HomeMy WebLinkAbout07-4174D~
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
KELLY A MORRISON
Defendant
No: 07-~{~~7 CiVi ~ I'e/'M
COMPLAINT IN CIVIL ACTION
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C. Warmbrodt,42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
436 Seventh Avenue, Suite 2718
Pittsburgh, PA 15219
(412) 434-7955
FAX: 412-338-7130
06039214 C J Pit SJS
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
KELLY A MORRISON
Defendant
Civil Action No
COMPLAINT AND NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the
claims set forth in the following pages, you must take action within
twenty (20) days after this complaint and notice are served, by entering
a written appearance personally or by an attorney and filing in writing
with the court your defenses or objections to the claims set forth
against you. You are warned that if you fail to do so the case may
proceed without you and a judgment may be entered against you by the
court without further notice for any money claimed in the complaint or
for any other claim or relief requested by the plaintiff. You may lose
money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
COMPLAINT
1. Plaintiff, CHASE BANK USA, N.A. is a corporation with offices at
3700 WISEMAN BLVD. SAN ANTONIO TX 78251 .
2. Defendant is adult individual(s) residing at the address listed
below:
KELLY A MORRISON
191 S LOCUST POINT RD
MECHANICSBURG, PA 17055
3. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number 5466725010010815 .
4. Defendant made use of said credit card and has a current balance
due of $4613.68 .
5. Defendant is in default of the terms of the Cardholder Agreement
having not made monthly payments to Plaintiff thereby rendering the
entire balance immediately due and payable.
6. Plaintiff avers that the Cardholder Agreement between the parties
provides that Plaintiff is entitled to the addition of interest at the
rate of 6.OOOo per annum on the unpaid principal.
7. Plaintiff avers that the Cardholder Agreement between the parties
provides that Defendant will pay Plaintiff's attorneys' fees.
8. Plaintiff avers that such attorneys' fees will amount to $500.00
9. Although repeatedly requested to do so by Plaintiff, Defendant has
willfully failed and/or refused to pay the principal balance, and
accrued interest or any part thereof to Plaintiff.
Wherefore, the Plaintiff prays for judgment in its favor and
against Defendant KELLY A MORRISON INDIVIDUALLY in the amount of
$4613.68 with continuing finance charges thereon at the rate of 6.000
per annum from June 27, 2007 plus costs.
..- -
James Warmbrodt,42524
WELT WEINBERG & REIS CO., L.P.A.
436 eve th Avenue, Suite 2718
06039214 C J Pit SJS Pit sbur h, PA 15219
(4 ) 4 4-7955
F 41 -338-7130
This law firm is a debt collector at mpt'ng to collect this debt for
our client and any information obtai ed ill be used for that purpose.
Page 1 of 2
Statement for axount number. 5466 7zfio too, oats /„ ~~ r`f(~I ~ ~'
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE ~ v~ vA
$4,813.53 04/29/07 X77.00 $1.790.85 ~ ~^y
' I ~~ '°'1
~`
~~ Make ywr check peyWle ro Chase Grd eervler. ~. P.~..~~ i
Amount Encbead $ New adtlrer a e-m li n RM on Back.
546672501001081500179068D04613680000000
bae.aeexzoa.mc IrrrIII.Irrl.rlrlrrlrrllrr.I.Irrr.llrl.l.r.llrrl.irr.llrrll.rl
KELLY A MORRISON
191 S LACUST POINT RD CARDMEMBER SERVICE
MECHANICSBURG PA 17066-9733 PO BO% 15163
WILMINGTON DE 19866-6163
t: 5000 i 60 281: 48450 LDO X08 i 5 ill•
~,~ OpeninglCbaing Dele' 03r06/07.04104I07 CUSTOMER SERVICE
UNIV/ 6 iA1' Payment Due Date:
Minimum Payment Due: ON2kY07 In U.S. 1-500-65b1475
$1.790.68 Expand 1-558-448.9308
\ ', TDD 1-500-9655050
PeY try Phone 1-800.436-7855
Oufekle U.S. Call cdlecl
t-302.694-8200
MASTERCARD ACCOUNT SUMMARY Aeeoune Number: 64637260 toot oats
ACCOUNT INQUIRIES
Prevbw Balance $4,420.44 Total Credit Une $4,000 P.O. Box 15298
Pumhsees, Caeh, Debits +$78.00 Available Credlt $0 Wilmington, DE 19850-5295
Finance Charges +$116.24 Cash Access Line $4,000
New Balance 51355 Avellede for Ceah $0 PAYMENT ADDRESS
P.O. Box 15753
Wilmington, DE 19586-6163
YISR US AT:
wws chase corrYUniversel
IYe not too Isle to restive the outstanding balance on your credit card account. We have e
variety of payment optlone Mat may be tight for you. Call 1-858.792-7547 (collect
1-302-6945200) today.
UNIVERSAL ENTERTAINMENT REWARDS SUMMARY Eam 2 points on moat universal purchases arxt
Prevbw reward balance p 1 pomt on all general pumhaeea everywhere
Rewards earned on ell generel pumhaees 0 MasterCard is accepted. Rewercl redemptbna
Rewards loddk.d Mis period 2,288 are available at
Remaining balance 0 www.cheseuntverealrewards.com or by calling
1-800-809.2286.
0 Rewards to expire on statement date in
TRANSACTIONS
Trans Amount
De[e Relerenra Number Merchant Name or Traneacaon Deecdptlon Credit Debit
09129 ___ _ _ LA E .00
tty06 ~ ~ OVERLIMIT FEE 39.00
FINANCE CHARGES
Finance Charge
DaAy Periadb Rate Corresp. Average Deity Balance Due To 7r ansac0on Accumulated flNANCE
Category 31 days in cycle APR Pedodb Rate Fee Fin Charge CHARGES
Purchases V .08217% 29.99°/ $2,225.60 $65.77 $0.00 $0.00 $63.77
Cash advances V .08217% 29.99°/> $0.00 $0.00 $0.00 $0.00 $0.00
Convenience check V .08217% 29.99°/ $2,296.07 $68.47 $0.00 $0.00 $63.47
Total finance charges $115.24
ERex;tlve Annual Pwcenfegs Reb (APR): 28.88%
Please see Inlormeaon Aboul Your Account section for balance computatbn meMod, grace pedrxt, and other impodant inlormatbn.
The Corresponding APR b the rate of interest you pay when you carry a balance on any treneecfion category.
The ESecWe APR represents your total Snence charges - IncWding Irenaecfion fees
such as cash advance and balance Irenefer lees -expressed as a percentage.
This Statement is a Facsimile -Not an original
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Page 2 of 2
Pddresa Change itequeat
Please provide infommaton below only if the address information on front W incorrect.
Street Address: ----------------------
Cly: --
State: --
Zip: --
Home Phone: --
Work FNwne: --
E-mail Address: --
L
dfaaratlw AYat Ywr Aceont
Loot or Stdw prda: Please ropon your lost or stolen card immediately by
nllirlq tiro Customer Servla number found on the (rant of your sW[emenl.
Advisors era always avaiable to aazkl you. Vou ran reach en Advisor by
prnsinq 0 NWr you enter your aaounl number.
CnrYliq M Peytneeb: For paymmW 6y repder U.S. mail, send et least
your minimum prymenl due m our post Dente box tlealpnated far payments
.shown on this aWtemml. Your Dayments by mail must comply wkh the
Instudions on this s181emenl, antl must be made by check ar money order,
payable in U.S. boilers, and drewn on or payable mrough a U.S. fkwndal
inatitudm or the U.S. booth of a loreign firancWl institution. Do not send
ash. Write your account number en your dteck or money order. Payments
must be accmtpenled by the Daymenl coupon in the envelope proNded vAm
OUf atldrea5 YISIDW IhrOU~l m0 BDVBIODB WIndOW; NB ernerope pamlpt
tannin more than one payment or cqupon; and Nere can be no staples,
paper dips, ripe or correspondence included with your payment. tf your
payment is in acconance wim our payment instructions and is made
available to us on envy tley except December 25 by 1:00 p.m. local time at
our cost o0ice box tlazipna[etl for Daymems on mis statement we will credit
me Daymenl to your account az of that day. It your payment is in accartlance
YAm our payment instructions, but is made avaipbla to us after 1:00 p.m.
lonl time at our post olfice box designated for payments on mis statement
we will cedit it to your account as of me nett day. If you do rat follw our
Daymenl instructions or if your Deymen[ is not sad Dy repder U.S. mail a
qur post oNlce box tleelgnated for paymems, cretlitrnp of your payment may
De delayed far up to 5 days. Payments made dedrOnipdty through our
automated Wlephme service, Customer Service advisors, or our web site
WII be aWject to any pracuNnp times disclosed for mole payments.
Acewal Idstatelke Rgorld to Cnlit Bmaee: We may apart
inlormelion about your aecouM to credit bureaus. tale paymenW, missed
paymenW or other delaulb on your account may be refledetl N your credit
repan. If you think Wa have reported inaccureW information lp a credt
bureau, you may wriU n us at me CaMmember Service addreaz fisted m
your bilYnp aWlmlml.
Netke AYaal Eleatrwk CMack Cwvmiw: When you Provide a check az
aaymenl You aumorize az elmer to use information from your check ro make
a one-time electonic hod transfer tram your aceount or n Droceu me
payment az a check maroectkn. When we use Informatlon from your check
to make en electronic land Vensfer, fwrds mry bs wimdrawn from your
account az soon as the same day wa receive your paymenC and you will not
receive your check back from your Finencial iwMutlon. CaY tlro cwtamer
service number an Nis statement if you have questlons about electronic
dwCk collection or do not want your prymenb collected alectronicaNy.
Cwlltlwel hymwM: Arty payment check or Omar loan of payment met
you send us for less Then me lull baWnce due that is marked "paid in lull' or
contains a simiWr noWDon, or met you oNervlse tender in full sausfaction
of a diaputetl amoum, must De sent ro Gn Services, P0. 8oz 15049,
Wilmington, DE 19850-5019, We reserve all our ngma ropanlnq thus
paymenb (e.g., it it is ddermined there is nv ralM dspula or it any such
check is raceiwd at any other address, we may accept me check end you
will stitl owe any remaning balance). We may relusa to acce0l arty such
payment fry reluminq it to you, not cashing it or dazUOynq iL AN omer
paymenW mat you make should be bent ro me aDDropdate prymem adtlresa.
Aueel Rwwal Ndkr. II your account has m annwl fee, it wiN be 6Yled
each year or in mmlhy iruWllments, wheOwr or rat you use your accoml,
and you a0ree to pay it when biled. The annual tea isnon-refurMeble unless
you notly us that you wish ro dose your account within 30 Jaya of me date
we mail your annmenl on whleh Ne annual tee is tltarged all at Ne same
time, you pay your outsundnp helance N full your payment of Ne annual
tae does not aNecl our rights to dose your accomt end Ip limit your right tp
make transatdgns an your eccpunt. If your account W closed 6y you m as,
we will continue Ip charge me mnual tee untll you DaV Your au[stantling
be4nca in lap end termineW your account reletlomhi0.
Eaalawlioa W Fiwaw CYaga: We cilcukte Deriodic finance charges,
using me appllcabla periodic retu shown on mis sntemmt separotdy for
oath lazture (e.g., balmce lranslerlcornenience checks and cash advance
checks l"chock tnnaacaan'), purchesN, Dalanca lrenafen, cash advancaz,
promotional Dalancaz or owrdran advmces). These cdcuWtlons may
combine dilferenl rategoriea with tln same dilly pedodic rates. II men is a
"V' nazi to a Deriodic rate on mu snbment mat rate may vary, and the
iMar mtl margin used n determirw mot one and ib corresponding APR are
described in your Cardmember ApmemmL as amended. There is a
minimum finance dirge In arty billmp eyrie in which you owe arty Deriodic
finance durpaz, and a transaction tinence charge for each baWnce tansfer,
cash advance, or dteck Iransaclbn, in the amoums stated in your
Cardmembar Agreement, az amended.
To gel Ne daiy 6ilarae for rich tlay M me current billing cycle, we Wke the
Depmninp baWnce for aN feature, atltl arty new tronazctlons or other debits
Unduelnp fees, unpeld Prance dwrges m0 omer eharpea), subtrod airy
peymenb or credits, and make omer aqustmenW. Trenaacepns era added
az of Na transaction date, me bapiminq of me biting ryde in which may are
posted ro your accoum, or a Wter date of our choice lexcept mat cMCk
VBIRSaCIImS are added az OI me dale depoNNd by me DSYn Of 8 WWr date
of our ph0ipe). Fees ere 8tltletl ellher on me tlate of a Metetl Irenxctlon, the
dale they are posted Io your account, or ma last my of the billing cycle. This
piveb us that days daily heance. A credit balance is treaUd as a balmce of
yero. II a dairy DeriotliC ret4 eDDlies ro eny feature, wa mdtlDy me daily
DNance by the daily periodic rate ro pN your Denptlk finena charges for
That day. We Hen add these perktlic finance Gnrgaz to your tlaily DNence
to pN the bepinrirp balance for the nezt day. (If more than one dilly periods
refs could appy based on Ne avenge dily balance, we will use the tlaily
Deriodic raU that applies for me avenge dairy balance amount at me end of
me billing cycle to ralculate the dNy Dedodic finance chage each day J
To get your Told periodic finance charge for a bitlinq gcle when a daily
periodic rate(s) applies, we add all of the deity Deriodic finance dterges for a9
features. To determine an avenge daily balance, we add your daiy balances
and dNide by the number of Ne days in Ne apDliuble bipinp cyde(s). If you
mulOON me awrege daiy balance Mr wch Feature by Ne epDlicable dally
Deriodic refs, all Nm multipy rich of tlwse resdW by the number of lays
in Iha aDDlirabW billing cyde(s), and Nen add aY of Ne results togemet the
tool rill also equal Ole Dedodic finance charges kr Ne 6Ylinp cycle. except
for minor variations dw to rounding. To gat your row perkdc fxtence charge
for a bNlinp cyde when a monmly periodic ale(s) applies, mulOply the
avenge tlaily helance for each tnture by me aODlicaDle momhry Dedodid rite
antl adtl Ne resuts topemer. The total will equN me Deriodic finance charges
for Ne billing cycle, wrcepl for minor variations due to rounding.
Gnee Pedsl tat leaq 2q lays):
We accrue Deriodic finance dtarges on a Irensaction, tae, or finance charge
Irom Na date it is addetl to your dilly balance until payment in lull is
received on your acctlml. However, we do not charge periodic linanca
dlargea on new Dumhazes billed during a billing cycle if we receve both
payment of your New Balence on your current SWkment M' me dote m0
time your Daymmt is due and also payment of your Nw balance on your
previous sWWmenl6y the daleand time your payment was due. There is no
price period for 6aWnn tnoslero, cash advances, check vansemions, or
Werdfaft 8dvanCea.
k a11Niw. ll mere Is a "GwllyiaY Promstlowl Fiwneiatl' seNOe on
We sWemetl, you wilt not Incur perlotla finance charges m my
Remairdnq Baance that appears in that sedion if you pay Nat balance in IuY
by me aDDlicabla FxDlratlm Date. is avoid finance charges on new
pumhazea when your New Balance indudes arty Remaninp Baance(s) in
me Ouellymp PromotiolWl Flnandng sectlon, Day your lull New Baance
minus Ne total pf those Remaining Balance(s) by Ne dale end time your
payment is due. However, if your sWWment shows that a minimum payment
is due, we must receve a[ leazt that minimum Daymenl by me datean06me
specified m your statement even if your Nw Balance consists oNy of
Oualiyinp Promotional Financing balance.
Alsp, for same Ouallyinq Promotloml Financing balances, periotllc flnmce
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumdele from billing ryda to billing cycle.
This is rNerrod to az "tleferred interest' If a tlelerred interest GualOyvnq
PromotbnN Financlrp baknu Is not DNtl in lull by me apDllcable FiUiretlon
Oale, me delernd finance charges will be added to your account as soon as
me firal day after me Ezpiraticn Date. Fuller, it you default under the terms
of your Cardmanber Agreement me delerretl finance durpes will be added
ro your accomt az soon az the dale of default.
BIEl1NG RIGHTB SUMMARY
W Gp of Ertas a BaeaUOU AYaN Yoer Bill: If you Kink your Dill is
wrong, or if you neW more inMrmaUOn about a trmaactlon an your biN, write
Grdmember Service on a separate sheet at P.O. Boz 75299 Wilmington, DE
199503299 az soon as Dpssible. We must hear Irom you no Wter Nan 60
days alter we sent you the flat bill on which me error or prphlem appearetl.
You ran telephone us. 6m doing so will not preserve your tights.
In your Wtler, give ua me lollowinp information.
• Your name and account number
• The tlollar amount of the suspected error
• Describe the error and ezplNn, it you ten, why ypu believe (here is an error.
If yvu need more inlormation, describe the Item ycu are unsure about.
You do no[ have to pry eny amount in question while we are inuestlpatinq.
Dut you are stlll abkpaled ro vay Iha parts of your bill mat ere not in
quaztlpn. While we invesDgate your question, we cannot sport you as
ddinquenl or lake action to COIIeCI ma amount you question. II you hate
authanzad us ro pay your credit card bill automatically from your savings or
cheddnp axoent, you can slop me payment on any amount you Think is
wrong. To stov Me Daymenl your Inver or call (using me Cardmember
SeMCe address or tNephone number shown on this sulemenq must reach
us at Inat Three 6uslnazs days 6afon me auamaac payment Is scheduled
la occur.
8tlaial RWe tar CniN Gr/ WnMrea: If you have a DroDWm wish me
quality of pools or saMCaz Nat you Dumhasetl wlm a credit urd (exUutllnq
purchases matle wlm a check), and you have triad in pogtl laith to correct
me problem with me merchant. you may not have to pay me remaining
amount due on Ne gootls or services. Vou have Nis Drotactkn Doty when
me Durchase Dnca waz moro Hen S50 and the purdvse was made in your
hDme stab or wimin 700 miles of your maiNnq addreea. Those limitations
do not epDly If we own Or opan[e me merchant or If ws maNetl you me
advertisement far me property or services.
MA021207
https://instantimage.bankone.net/Star/jsp/PrintDirectly.jsp 5/31/2007
CMA12575
~ardrr~ember ~-greenner~t
ACCEP'CANCE OFTNIS A6NEFJwEf'fT ul ur eccounth cwondbylhk egroamonL
Thins reementpovernsyourcredrtcardaccountvethusrolarentadonthecardcer sr
cvnteininp the card for ~ree~nent a~k ap h for your records You enlhorita us to pay
ur account. You promise to
Plaesa road the entire e4 ioasorfinenee charges
I°r and chnrga your account for sU oWnaceouM, es weA as er>Y
pa vsloraAtrsnsectionsmadsony
It this is ° joint account, each of you, together end individually. u tesponsibla for pa nU
ail amounts ovrsd, Bran A ~~ credit card vrhon you accrue it You wrl b ubovusntd even it
Piaase sign the beck of y° ou use your eccsunt for et~ybe P~uml by
egroementif youu ~r~ y~a~ r you use }tour aceouat or noL you wU this
you dortY signyo our aceountwtlhin 30 days alter roceiuitrg your Bard and
a grsement unlscs Y our etcount for arty DrrrP°S°
you have not used Y ants moan eA
'ChrouphoutthlsepraemsnLduwords'ws,"afand'our"°meaantChrn~ YenkU~t, Ciud
the issuer vlyour erodit acrd end wi[h this agrosmernt,in°eludrn9d+n Parsvnwhs ePP
persons rrspoasibk for wmptY ng
tar the eacoun[ end tbs parsm to whom ova eddross bggnp stabm°ets, as waA es a '
parson who egross 1o bo6ebls on the etcount the word'terd'mesnsons ar m;~i You
cr ether access devices, such es etcount qumbers, that vro have issued to P
to obtain coda under this agreement. lemil or
USING YODU At:CDUNT
Your account iz o consumer servant and should ba used only for PDU recount You
ones Unless we egroe or kin squired bylaw, the wiU not he rosponsible
household porp servicaa purchased or leased through use of Y inlemet
!or qu;rchondrss or
promise or us bs IGepel in some ploeesCl isnnot ourlratsponsibUity to make sure that you
pambGng meY srmiss'ble transections_ end you rn'U tsmsin rsspvesbla for
use your etcount only iar p
Frying !or n cart=action oven i1 Il is not permisslbls
Types of Transsdierrs: a for tlY er semtces~_
• PurcbaracYou mayuse your card to p Y ~°
-Checks Wa.maY Pf°wda you cash advance checks or balance uensfer checks os e
w°ytnusayouretc°outW~v~t~oods°orsurvimas, auagnsierboencestoyouteccvunt,
Yau may use ~ ehack b p Y ou may not ass these chocks t° vensfar batanres w
or for other uses we elbW But Y
this account from othurinted vnshe ehsckmeysipnthe ebeelc Ceshadvann cheeks
psrsart whose name is p u We may tram
ere fleeted as cash sdvsnces and hehnn Vsnslsr clwefrs ere trusted es chocks
transfers atDP~ es noted in 1h1i agreement or any otforwa make to W
checks thatwe celke anebecks and thetwe indicated too you sro su Ie ~ o IFo [arms
titatwa Cdg~~~~6efnetadt:s cash sdvencas andesressed ~ashadvanco rotes
fattish edvnncea,tnsy
and fees
~dAcariissttersviatharlanderslobihissccourd,orolherbobncatntnsterswoellow
But you n °y no! Its pfs uia potion owl a requested betaneo uans~f er wUl tuned yonirr
of our relaisd cvrrp recess s penlal balance tronslor up to yore evaileble
evelablc trodt Gne, we may p
crodrt fin•
• Cash Advances; You may ass Your lard to got sash from sutamodc lagrr mechrnas, of
Imm financial in o tution~e ~~ isrshortsimilar rosh•fdca tharUair or o abtairtlottorY
currency.mvney erswforsimAarbslunUUBnsactrons You
tickets,crstnogamiagctdps,recslreckWS9 Winn nurha>•oRandbUllhcpnYm•ar
mgyalsqusa a th'u~ rspysannca m mea4 ° peymp Y
in this account- accounlt+ndr one of aw related
• Ovordtstt Admns;ss: II you have sn eGgribl~o s~U rrcount with our related bank lv
banks, you maeyy 1'mk tits eccouln to Y ~eount under rho terms of this sgreament end
rover nn oysrdroh tm that shacking
your checking sccoum aprsoment
BiI1lnpCyelrclrtordsr bhapPro ~°i lyansLmonlhinlongthrF°re chcolondnrmummhg,
ryclss'. Eecb bUling cyc cte that suds in that month Your account tall Nava e
your ac cwnt wiA Nava s bUAng cY
bilGnp ryele ending m each cotendar month whether or not there h o bUring ctatamen
for Ihethl~itr9 tyete
Authadzed Users U you eUrsw someone to use your eccoun6~ stns to h°eOma sn
outhmirsd uses You should think cerefuUY before eAnwin9 nYo ou ten
authorized use because yon are oAowing t al Parson to ass Ifro account es y
You writ tomato raspoaslbla Ior rho use of your sctaunt and tech card issonsibT Y for
accvurrt euording to Ne terms of this egrosment This includes your rase tY
paying aA charges oaywr etcount made by in authorized user. ur ecronnt II ~^r'
you m rgquast en addh(on~! r on lh~ ~~~ ~ purut of Ute authorke °ser
do so, thisatcr.nlmeYePP :•
you Ufyusrwsmaytla~ssthoaecountsndlorrissusin wicardwrardsvrr>haadiltervnl
eeeountnumhec You should also recover end destroy any nerds, checks ar any other
means o! access bo your ett:ounl item that euthorited user else rater to the
Fradi! jlao:Yaut croddGN appears on funk Yotrc bAGng riertemeal aisro may show that
cridrtfine u a waddGmkor spending
v rdy o pvnlon of your ctsddAne maybe used for cash a dvanws. Gash adron ur erodit tine
cash edvencs tfiaeks, era charged egetnsl tlta cash advents portion vl Y° ensiblo tar
and ag Whet Vpnsa~uoecornm belence,includng orry to~snond Gnan reclierges. end
keeping track of yv
mekinp avrelt remaY~b~Y c}iarga your sn walr(mlt foe es described in thlsrspraomentt
Gne far erry reason, o over our cradrtfma•You must
Ws may,buterenotr°quirodto.euthorkechar9osthntyyU y gweatkYouto
pay srry emvuntwer Your cre bslnnca ov eryour cridk ~immedietoty
This eprasmsnl eppGssty any
At ourdacretion,ws'msyincreese, reduce, or cancel your creditiine, or the cash edvencs
porliaq of your uadrt Gne, et any dms Howsv-r, if you hove asked us not to do so, we
wiUnolincreeseyvurcredilCme AchangetoyourcradltGnswignolsNaclyourob8peiwn
w pay us ansecUon that you
Intnroadonel3iaaseclion o(n~?Q°7oumokeoulsideotllta=Un odSs18so1Amsrke Asa
mekelnelorefpncwronN Y
g it is mods ht U S dogers H you make a transecdon In a lorolpn currency,
In~mefjo uNsing ills taspestive ntrreney conversionn procedvr Tire axehenpe rr-te each
dopers by
endry uses to tonwrt carrsnty is a rsu shat it selects etUrer Inm Iha Hope o rates
we0sbis In rho whotesa the tree Ythr respecilva einUry bldseUetro e'rpvesl. a oWMihe
rate may vary Irom
povatnmr+1ernsnd ~o rising dots cmeyd H rlrogm the rare oo Ihr dstnyou usedyoarbard
onthe app phis P ht to char a u an eddinonal thus pornnl pXj of the
or eccourrt 11Uo tetoNe rfra rip 9 W
US doAaremotratolanYltuemedondtransecdan,whethrrlhettrensuUvnwasoripinsUy
mode in U•S. dogers or wet made is another currenoY end convened 1o U.S. doAera by
Vaa of MsalerCard to allfieTho same pro a si end chnrpes maY s PIY it onyinlsmationel
prwbtvd to usbyUratontrry
tronsrttionis rmrarsed
flelucel to puthorfuTre ~, ~e ~0njb~~p ~e,sons:o notrequited to, dacf'ina s V°nsoction
on your account for any
• because of vparodonsl considerelions,
• beeaust your etcount Is to delauh,
• it eve suspect ird ~dulonl other r~unncuvuy or,
• in c.,~ d't:s:rerion..o: sty
any reason, either bybus acre thhd Pan1''Irven it you hove sulGcionl etedilrav.lsbtadfer
Cyr online tregsecUans, we may require drat you rapistar your ecceunl with en
sutheritetion system that we select tMe tell rtodty you it wa went you tv rspitter it you
do not repuAef,we meY decline your online Uensec0ons
Balwat to Pay Cbeekr. Each chackyvuvu~eceount to dec do whetharVlo suthodts that
s check for Payment wo may nvrrw y
chock Wa msy, but ere not required u. reject and carom unpaid a ehack for erry ocean,
Includmp the foUowfng exemPler.
• Ws or one of our rotated companies is the payee on the check
• YouttredftCmoorcashedvencapoAionofyourcndltlinohssbeensxceeded,orwould
ba axcsedadtl Wa paid rho Ctlatk
• The ehsekis past fed Ii a pcst••datad check is ps1d, rasultinp in another tbeck being _
caromed or trot paid, we are not reaports[bla• 4. _
• You have used the ehack ohar the dal i s~o~ C~eB ~n it
• You ere in doleull or would be Ii Ws pc
or athesmeens>o eee~ess yovrre fount is teat fir stole>w yr Yon think smrraonaus d or
ur erminion, you must notify vs al onto by calAng the
q,qy use them without W D
use yourratrcount ahsrroyev notrTy usbnraa ~ your tend, the k, etcount number oo that
means to access Your ssu olify us of any iossrtheh or unauthor~¢ed usorrekled to your
treat prftnlapes When y
etcount r,.r ~ r
Ynu moy ha j,.hts ti thnre s ,menrt.nrbed yea of ;3t': a :. • t : t-:n v: ~fli~ ~:~ rr_:n-
p° beneCd, buiyou roll not ba Aeble for more than SSUDD of such irsrtsecdorts, and you
uneudrori'teduse1HoweYOr,youmustidentifylorusrhatin ulh°r~it°deherpesolrom~whlc6
you received no beneGL
Wameyragtiueyouloprt>vidoe eomll wilt, c Hato p ocaduPas in co nectionawiPhnaur
Ws may sine require y P Y
inws6peifon"
PAYNIEIJTS Y
payment tnstructienr. Your ailing stelae mauls end setslorthr the daul end dms by
inslruetions you most lugew tar making P Y
which wa mast receive the payment
you agree to pay us omwnts you owe to U S dopers drown on funds on dapositin e U S.
gnsnciel FtsUlubon or the U 5. branch of a Ivroign Gnancfal lns6tudon using (fnym~;t
chock, moneyorder yr automedc debitthetvnTl be processed or honored byyvu
InstituUea We rn'p not accept cash peymerts Your total evaleble credit moy not br
reriored f yr up to 15 dogs ohar ws racurvs your paymonL
AnY payment chock or other fa•,n •+I n° amen! width yo;: sand to rrs I:.• ¢ss then the Ivl
Feranea that is marked ~ecid in felt or with a similar notelion or ihmusl be sent onus et Wi
In IuA sefislecdon of a drspvlsd amount (condidonel peymemsl.
conditioner peymantsaddressGriod onYour monthly statement We raaerve ell our right:
ngordinp such payments Cyr exempla, it h {s determined than is no vepd dispum or I
any cuchpeymontrs roeelvod et erry other address we may accept the payment s ani b
wUl soil owl ~ not t:aishtng it m by dssuoying it All othof D°Ym nts Wet Y~ mek
returning • Y° •
should be sent to rho regular payment eddrocs shown on your moon sl t she °k1D° or fir:
We reserve rhu right to slecvonicelly collect your eligibly p Ym
pnsonunantatul snyrepresenunent. homthe bank eeceunton which the checkls dre~,w
Our receipt of Your psymant checks is your eudtoriredvn for us t° collectths amount t
EXHIBIT
the check elocuonically, or, it needed, by a drab drown against rho bank account
Peymont chsekc wglbs eolloeted eleevordeelly bysending the cheek smaunl along
i with the check, rouGnq and eccvunlvne eceive your QoymaM°The o~ Qinal peymonl
be debited as early esiha same day
check wgl ba dastroyod and nn image will be meintetned m eurmte~t` due, es shown
Minimum Peymont: You agree W PaY et least rho minimum pny eel is duo
on your bRl'mp stntamsnL so tha-wr roaceive^` due and msy pe the lad aamount you
You may pay more Utrn thr minimua+ P Ym
owe us al any Ume. II you have a bet In finance tbrrglesbac u^se linancerchargrz
sooneryoupeyus,lhelaseyouwSNp Y
accrue on yourbetancs each day boiente Itho
Your bilUnp stetamanu~ bigles ~stelumendlU the Naw Balance is S 0 ~ er foss. Your
'NewBatanca oayo g
minimum Qtrymertt due wrg ba rha Now Balenca. Diherv+iss, it wBl be the largest o
~uta1laRm ^p dodi~als I'tnanee cherpas~end any hUlod lot andto eriimit8leos^ As
part of the minimum paymoM due,we also add any emouM past due and any amount
over your crodittlns mono
payment AlloeaUon:~alis most bvorebls to or eh nrventenl iorus!f yraaxemple,you
and erodfb in a way aw ~ ante end credits to balances withlowsr APRs (such
euthodto us to ep y P Ym ht her APRs
as pramoUtmel ApBsj baforo balrncos wgh g
Ciedil8olancs:» You may repunl n rotund of n erode balance st any Umr Wa may
reduce the emavnl of any trodil belonca bythe amount of now chargae orlaas billed
to your seeouM
Automatic Cbarges: You may suthorho a third pe~to eutome0celly c ergs your
aeeounllornpeattransoc0onsliorer:ample,month udptYeharpas,mambvrshlps
and insuranes premiums) It automaUe charges ae stoPPad for arryraacon pnetudinp
beceuae your ateount is closed yr suspan'~d ~~ hiller and paying U~iase eha-gas
number chenpar,yon a-a rocpvnsible for notity 9 Ir:m
directly I~your account nttmbsr chsnpee• wv rnay, but era nolret;u.:od ta, PaY
your new aeeountnumber charges Ihot Yn++ auUsmhed to be biped to your ak account
number, y
pramotionn~ mourboutlthrbrmsvithea°Narandh°wlongthayvnllbeinoNacl
do,we wA1 h;Y
Any promodon a subject to rho terms of thb agreement as modlpad by t e
promotional oHoc
FINANCE CHARGES
Daily Pariodie Retos and Asau defaraer odic rotas areepstod Herbs Retac and Feec
j'APRs"1 and rho eorrsc ondinp W P
Table Ihet's et the and of this dosum°nt or provided separately 7n gat rha a+ Y
porlodic.rate wv dhridnplhe APR by 365, and rn sfiecl elwayc round up rt the fihh
phcetothstlphtolthedeebnaFpoint to uneeountmayvarywiUtehenpos
yarlobto Aater.Ona or more APRs'het apply Yo
to rha Prime Note When you hove en APR ittel unties oirith changes to rha Prime
iNaNSlreafJaumaltwobusinessdeysbeorelheClosi prDatuchoWnonsyaurbilling
Rates socdon of Tire WaNSt»etJaumat 11 TTreWa Street Jaurnslstops pub5sfiing
thv Prime Rob, wa wig sebcl a innger referents rote end intarmyou on your blpng
statement of through a separrte nodes
business d y~ is enyhrldaY that is Hole weukaad oratorio of ho daya'fhs Noba and
each variable re a andsany minimum dagY Periodic tatesand wrrsapondngaAPA for
Two businast drys berate firs GosAtg Dets sG eWe map n b thei Prlmo Roto tto pat
whet rha Prime Rata ts. Wa than add rha app
the APR. Ths daily parludie tale is eeleulated as dasct~ban rbovr
cycle becsusrothe Prlime Rota has changedYthor new retr v i apply as of thr~rrrsl
dayy of your bH6ng rye e~D~C nOdp `~~essesl ysuwgf bavata payi a highampariod e
calculetloh ll the defy p
finance charge end msy hsvs to PaY a highor minimum payment.
Deteull Rates: Your APAs also may very tl you aro in default under this agreemant
or any other bgroamontyvu have with us or any of our ralntad companies for any o1
the fallowrrtg rorsvns:
• We do hat recrhre, for any peYrnont Ihet is owed on this ecctwnl ar any of sr
eecount or loan with us. at least !ha minimum paymom due by the dale and lima
due•.
• You oxceod your eradil lino nn this account ur bent
• You meta a payment to us that is not honored fry yo
• To the exbnlegowedD ylau .sfutsrs^ding 6elaneo and we do notreeeWa p ymant
immedi:ts psym Y
withb: Cte Uma we specly.
If eery al these evonls ost~rs,v+a may insraasa Una APRs llncluding any prvmodonaf
APRI on agbelansas {sxsludinp ovardrofl advancoconsidar ho I Dowinp lectors tlo
taro stated in rho Rates and Faes Table Wo may
datormine your dofoult tart. Ure length of time your actounl has been open, rho
vaslenco, seriousness end liming of the deloulls on your oeeount: oUtorindisabons
of your account usage and pnAormance;lnlormoGon eboutyaur other rnieUonshlps
with us opt any o1 our related compnnies•, and inlormallon ws oMatn Irom consumer
thefittst peyolthatbpli glcycltfnwfichthadeleuttnctuust'raantdtTillaPPYtvpur hose
eyd ~ a~
~;.,~ t[nr
baleneos Irom the pteYiaus bllfinq cycle for which poriodie finance sherges hsvs
notbasn rlrradybfgod '
11 wr dadde not tti Increase your APO even though theta is a detsuil or it wo do not
incraece your APR up to tM mrclmum de[auR rate sbtod In rho Relos and Foos
Table, we reserve our rrpht to increase Your APR in iha ownl of any future drleult
Wa mry Ir our disero0on doterndne b charge reduesd deteuh rotes or roinstato
standard taros for eg or;selaeled bslrneos on your neeouol
Fineece Chargo Coleuislioa-Two-Cycle Avarrpa Deily Balonee Method (loeludinp
Naw Purehnsesjfor Pntefiesas and Ava»ge gaily 8elrnes Mslbod Ilnetuding Now
Trensaellotuj for -Dlher Troassegoa>~ We celculme pariodlo finance charges
soparntelyinr~hnso~'a'botbneauainsl n bennoRvansferehocks,ceshsdvsacrs,
porecemple,P r
cash odwnce shacks, overdraft edvnnws, end aeeh promstionl. These telcviodons
nreycombine diHaronl ceregoriaswilh the snme doily pe»odle tales Thls is how 11
wotkc
We teliulste the pedo~le Gneni:n therpes for purchases In tvvs slept, as lolivws
• First, for Hach day of Ute billing cycle, we multiply rha daily belnnee by the daily
prrlodic mto
• Soeond, lot oath dgy~pi the ppr~ovious bllgnp c)~cb we multiply ihn dsgy 6alence
for purehesas mrdd'inlhet bUfinp cycle by rha same daily padodic nto Hovreva
we d° not do Ihii ad~ond step it we raeefved payment in foil of rho Naw Betance
dni or ii a padodle Rnanee ehnrge woe ilroady billed on ths~l beteneoyment was
role the snme way buYws uselfie pro oUonolpebhesas subject is a promotional
cheeks,r:e~cftadvtmees Mehadvencersheeks,andovsrdrahadveneasihymulllpsfyinp
the deity brienca for nosh of those cataporiet by the dsgy periodic tale for oath o1
those ealeporles, veth'dsy You may have overdraft advenees Doty g you hsvs linked
this eccaunt to a checking eecounl vrith one otour rotated bonkc- a erfeulato the
padotRe fmanee ebnrgqec lot bntonee Ironslors, balance Venalet shocks, rash
adveneae, and cash advance charts subject m n promotional rata Iha Sarno way.
but tva tree the proma6onel rob
To got 1hs dailybnlente lot oaeh day for oeeh eolopory.
• We tbke the begmning brlsnce lot that day.
• We bdd t° that bbfehca enynew transactions, inns, arbor charges, and debit
adjustments that ripply to Ihs~ celogory. We add a now pnrchesr, cash rdvegca,.
balenss Venslet or oderdreft advaneo, d eppgeablo, to the logy balente os of the
transaction dab, or a labt dale o1 our choice Wo add n new cash rdvanee cheek
or balente Vtrtslsr check to the dally bolanea es o1 the dale Ihr each odvenea
thack of belonca Iradsirr check is deposited try n payee, ar n Ie1er dole of our
choice
" pplyt that cab Dry end Ihet ere credibd as al Ihlat~daycradlt edjustmonts that
• Wa trosl a ersdit hatanu ee o balance o1 rata
Tu ggstthe-beginrdnp balance for sash cabporyfor, the;~ioxi day, wr add rha du'ly..
pedodle finente chargr to the doily balance II mrire then oriayyda'dy periodic rota
tautli,appfIyy to s cstopory because thr rots im the cetego orfodie rob theft apples
ernotird outs aVeTage logy balance, wvv+ll ate-the dtsBy p
torthn nvarepe dally belrnce amount at the red of rha bglnp cytle to calculate the
derTy pariodte finance charge etch day Thfs egrrsment ptovfdrs for defy
compounding of finenes eherpas
To ppet the total periodic Rnenca charge for rho bUGnp cycle, wa odd nil of the dedy
prdodk gnence charges for sorb catagvry for Both day during that biting cycle,
plus rha defy psriodlc Rnence charges on putchosos, it amt apply, for the previous
billing cycta Hpwever.il erry porlodtc Rnanee eharpe Is due,we writ charge you „t
tsestthe minimum poriodle Rnanca therpr stebd In rha Rotes and Faes'feblo 11 It
is neeeseary to odd nn oddidonol amount to roeeh the minimum 1'inanee charge, wa
odd that amount to iha belonca lorpurchassc made dur{np the biplnp cycle '
p dodicltfnsrtcrechergec plu am'vsnsnttion fnailfmonso chsrp sn rha sum °! rho
Foraech celoptvywe evlt:utab en svernpn daflybalence pncludinp nowuensections)
for rha frilFrrp cycle by eddmg oil your doily balencss and dividing ihet amount by
the number ai days In tho bUlnp cycle 11 a pnriodie finance sharps for purehesas
made durislp rha prbvious brlfing cycle a plrs, the werope dsgy beLnce iarthosa
purehosrslseslcutatedthes^rna e~kd rate s~~muldplylho~eeultbytheanumbsr
a cetegorybylhetcetegort+adeityp der
of days In the biting cycle, the lots) wig eQuei the patio s Rnence chargec for that
belonca etvibutebla to thrtbilinp cycle, except for minor veriaUona due to rourrd'mg
Grace Period andAcernai el Foeneo Chsrpoe: We accrue periodK Raenee therpes
or^,Blpeymonllnl~lst'scoivndonhymrrecaurdHovrsvarwod notchrrgspon'odle
Rnenco charges on new pwcheses trilled during a bignp cycle ii 1Na receive payment
;:, yvr:: N:w Balance by rha dais and Ums roar mininnrm pvyment is due and wo
rocrived peymonl of your New Bdenca on your pravfous bRlinp statement by rho
date end Uma your peymonl was due. Thlc axcepuon or -preco pariad' applies only
to purehesas and doa~ not epplyto bslanes vanslsrs, belenee vonslor charts, cosh
edvnnees, sash edvonea checks or ovordreh edvancoa, it epplieable
Tronsrsrioa Foos for Cask Advnacos: Wa may charge you o cash advnnce Its in
the amount stslod in the Rates and Fees Table for such of the lollowinp Vonsecdons:
• Dash advence,chbrks.
• cash rdvancss a~
In addition, it you use s third parry service to make a payment on your behalf end the be required to paY rho outstanding balente on your account according to the terms of
sorvrce charges the payment to this account ws msY charge s trsnsaeUoa Ins for the Chia egreamati snee lmme dTelsiser s° Dt aD~s etterleour accou I fs elosedu ro goy Iha
outstanding Y ^Y Y
payment.
Thesetronseclionlsesere0nencocborgosWseddthetaewihabsiancslorlhatelatsd gE~~~gY;BI~NBARBITAATION ARBiTRATIDNpEP1ACESTHEAIGHT70G0
category as of the trensaellon dsls of the tech edvante for szample, a transscUaae in TD OURTAYDU' WIL N~ ~ A ~~Y AING VADCLAS5 TACT ON ORTDTHER
for ^ cash advance would be odded to your ensh advance bainnca
Trensectioa Foos for Bslanta 7rsnslars: We may chsrga you s balanco lrenclor 1
ATTORNEY GENERAL AL:TIOIJ, NOR WILL YDU BE ABLE TO BRING ANY CLAIM IN
the amount stated in the Retos and Fees Table for oath of the 1o11owing trsnsaeifons: ~ ~R{TAATNTI N~ AMASS ACTION DR OTHER AEPRESENTATtVE ACTION YOU WILL
• 6elencauensfatchockr, NOTBEABLETp~EPART,OFANYCIA55ACTI~N0RDTNERREPRESENTATIVEACTION
• balente transloa. BROUGHT BY A Y;ONE ELSE. DA BE REPRESENTED IN A CLASS ACTiDN OR OTHER
Thesstra66~~i~ocnsectiondateollfesbalecedtranslotForaoxalmpfe'alrensaction REPRESENTATIV~~AL'TIDN.iNTHEABSENCEDFTHISARBRRATiONAGREEMENT,YOU
category ANO WE MAY pTi1p1WISE HAVE hA0 A RIGHT DR OPPORTUNIT7•TO BRING CLAIMS
fee forebaleneetranslerwould6eaddsdtoyourbalaneetraaslerbnlence INACOUAT,BEFDAEAJUDGEOAJURY,ANDIORTOPARTiCIPATEORBEREPRE5ENTED
OTHER FEES AND CHARGES 1N p CASE FILED iN COURT eY OTHERS (INCLUDING CLASS ACTIONS AND OTHER
ea Table These I oaslvwwllbe odded to the 6otonco for purthsses made dur n tiro biD'mp REPRE5EIJTATIVE AC710N5L OTHER 1UGHTS THAT YDU WDUID HAVE IF YOU WENT
TO A COURT, SUCH A5 D15COVHIY DR THE RIGHT TO APPEAL THE DECISION MAY BE
cycla• Fee:li ouroccounthesanennualmemborshipiao,hwUlbo6lAad MpREUMfiEDEKCEi'fA5OTHERWISEPRDVIDEDBEl0V-:THOSERIGHiSAREWANED
AanualMombarship Y whalhernr 9indreBprbilration,ThisNbllrationApresmaMismadepursuonlloeuanaactioninvolJrnp
oath year or in monthly fastellmenu (as state `f h when bHladdThe annual membership lnlerstam eommgrte, and9U 5 Cb51 8 aahameyba emended This ArtiN UonAgrosmaenl
not you use Your etcount end you agree to p Y Arbpretien gel (oho FAA'l,
days of the daudwe m A your b11Tmg sutsmont on vehieh thsosnnuelrmotnborshi f toe is sots ioAhlhe eircumstancss end praeeduros undarwhieh eieims (ss defined below) may
charged end oohs same Uma, you paY Your outstanding balance in IuH Your payment of bs resolved by erblUsUon insteod of being HUpstad In court
rho ennud membsrship lee does not sHact our dBht ~ close Your account m Hmk your paltles Cwerad.Forths purposes o1 thicArbllreGon Agrsemant,'ws ;'us ; end'ear' also
p includes our parcel, substdenss, eff~otas, Hesnsees, pradeeessorc, sueeeasora, assigns,
right to make tronseeUons on your etcount Ii your sctoutd is closed by you ar us, ws ony purchaser al your Aeeounl, end eA.oi thaM officsts, diractora, employees, epenu,
will continua to charge rho ennunl memberthip lee unb'I You payYour oulslondinp bntento and assignc or ony end alt of Nom Addifionelly,'we ;'us nnd'ouf shall include any third
in lull and letminots your attounl relalionsh p enI by eha date and perry providing baneTits, services, ar produce in tonnecdon with rho Account fineludlnD
Leta Fso: II we do not receive at laetl rho roqulred minimum psym but not Tunitod to credit buroeus, rnorehents shot ec~apl any credlldavits Issued under
time fl Is due es shown on your blllinp statsmsnt for any biting cycle, we may charge Urn
iota lao shown in Ura Reiss and Fses Tebla II the late loo is based on o balente, we ,~s pccount, rewards programs and aaroliment sorvita:, credit insurance compcnlas,
curt.rlstuUtulairlae~s6+61AaPr~vious8alnnraonlhncurrontmonthsstolomontthat dabltogaelors,andaDolthairoifeors,dlractors,ompioyass,ogontsendroprnsontadvsal
showelhelsteleaThiebelencoisthossmosstheNawBelaneoshownontheprior il,andordyll,auefisthirdpartyisnomsdbyyouecaeo-dofandentinenyClafmyousssort
month's statement lorwhich ws did not retoiva of toast the required minimum payment against us
6y the date end aims it was dos Cloima Covered.. Either you ar we may, without the other's Consent. elect mandatory,
Ovarlimit Fos:11 your aetount balente is over your credit lino at ony -i ~ during s billing b~rraor spa' omsbUte smploY mss, ptuenls, subcidlarie , eAdYetos bBtrotic orios agents or
cycle, oven it only for n day, we msy chsrge sn overHmh lao Ws ma charge this Ise Station
avenilyorxbalanceisovarthecredhlinebaeausooletinaneachargeariosweimpossd assigns al theolhayaritinpfmmorrolebnpin•snyweytsUroCsrdmsmberApteament
or a trensecdon wa authoriod Wa vdtl nsl charxJa morn th4n one overgmh lea far ony onYp~CordmsmbarAgroamsrrl,yourtrod'ntardAccountorrhs advortisinp.aPp
billing cycle. But we may thorps an ovorlimU tae in subsaquont bUTmp tyclos, aJen it no or approve) of your Aetaunt ('Claim'}.Thu prbiVetian Agreement governs ail Claims,
new uenssetionc era m:da on your aceaun4 it your account Galante dAl ii over your y, fia~sr such Cleuna ere bnsod on low, statute, tontrett, ragulalion, ordinnnts, ton,
crnditCmnotatrytimedurinquUtosaub~retuehp~°fS~Hnrtnairtmrentisaothonorsd,Ibl t~p~ar;areiryalhe pelor,quilablagr?undnndwhntho suchClahnsseskesromodias
Return Poymant Fos: ll is1 Y P Y, maneydsmsges,p
0 oymont ch+ekttboentusa ibis not~sipned orttannolrbs process d wo msy charge a to this p~~itrDlionAprvnUmnnt'musludsCleimsrepa^rdingtho ppNeabigtyoillhisA hhre6on
p . ° ,Ag(anmmdarUtsyaHdigrof tbs ttntir~r CedmgmbarAgrasmontm any prior Cordmomber
return payment toe. pgreetner~ lids prbRredon Agroement meludes Claims that arose in Ute prat, br artt.`tr
Rotum Check Fas: ll (ai t"r° two rofrisalo pay rr ce h ~ nos check er b Isnee uansl r in the preaerH or the (trture, As used in this Arbilndon Agreement the Term Claim is to
chei:kstyourrequest,w(W _ _ -. _ hopitmndlrsbmadestpossibte.msentnp.
check, ws may charge s rotten chock Ise
Admtnlstrolivs Foss: II you raqussi a copy of a billing stet¢msn4 tales draft or other Claims subjoelWerbiVsUonlncludaClsbnslhelsromedeeseouniorclarms,trots t arms,
reco-d of year account or H you request two or more cards or any spetfal services jior third potty eleima, Interpleaders nr othonrviss, end a party who inhletss a protsadinp in
exempts, obtaining cords on en eYpedpod basisj, we may charts you for these services tours may cleat arhilrsUon with roepoet to any sash Claims advantod in the lowsuit by
Hovrtrvsy we yvgl not charge yeti far eoples of la'lling atatoments, sales drabs or similar airy petty or pnruns•
doeumatrtsthoiyoora~uesllor ebAAng rsputeyoumoyasaenapatnatus undersppAcsbls As an axeoption,W ihfa ArbiueUon Agreement, you retain the right to pursue in s small
law. Wo may thorgs, w onyssrviees Gsled sbova and erect ssrvitos we provide, rho tieimccourtenyCleimlhetiswithinthoteourtsjuristficlianandprocaedson nnlndhdduot
toss from Ume to time to eHact when we otter the asrvl:.. basis. ll a pony rlectsto erbilrale a CFefm, rtes erb'draUon will ba conducted a s an indiv{duol
action. NdUrr yes nor we rpreo tv any crbiva;ion oa a ants ur rapro~: tatk+ beefs,
OEFAULT/~OLlPCTtON end the orb&etor steep have no authority to proceed on such bssis.This moans that even
Wo may aonsidor youto be 1e dalsuit it sny of these occur,
onorney panenl eetion,fs Aisd, any Claim betweenva related to the issues reteod in such
• We do not r-ceiva at Isast the minimum amount due by the date and lima duo ss shown Iewsu tsrwiD 6e subjstt too n indivpidudnarbr7rttlonad° m if °ith°r you or we so alsc~ste
on your bRHnp slatamenl ,
• Yvu IeH to comply with the terms of this Agreement or aayeorrement with one of our Na arbirraUan vn'p bo consolidated with ony other arbiuotion procee rep wr ou e
• You exceed your tredh line.
consent of eD penlea Ths only Claims that msy 6e joined in nn ind'rvrdual eeUon kc nG
reteted tomparoes-
• Wa obtain inlormeGon Utotesuses us la batieve thatyaumaY os urrwilling ar unobio l0 this prbitrotion Agreement ere ill those u end any eo-ear iia 1 1 nd sny eo•spp
joint cerdmrunbpr, or auNoUzed user of your Account or your heorinl cardmembere or
pay yyoour debts la us m to othsrc on tune benkruptry or (TI those brought by yo Y PP
• You fda for banluuptty aulhoritsd user of yourAeenunt, or your heirs or pour wslas in bsnhuptey against us
• You beeorns intepecitoled or in lhs event of your death.
H we tonsidor your secounl to ba in delauh, m may cross your account without notice IniHalisa of prytratios The petty Tiling a Clelm in erbNreUon must t apse one o t s
onto peYYsurunpeid bsfenea immsdfatelµWe also may requko you to psy follovitng two arbiuetion admtntsltstarc American Arbflradon AssoeieUotg nt NeUonsl
interest st the refs of two percent {IKi a month on the unpoid bsiants when we deem Arbitration farnht.Thoca sdministrelorc ere independent from us The sdminlavetar oaa
end require y
'not eondupl Ufa ;arbitration ArbNreUon is tonductad undor eha rubs o1 the selected
your attounl to bs six or trwro bightg syclsc past due' arbitraUon.ed,'atrelor hp sn ImparUa) third potty chosen in accordonco wnh rho rules
To rho sztant permitted by few, if you ere in defeuh 6e'causn you have IeHod to pay us, Agreement A'r1y erbhretion hearing that you attend shag bs held et a piece t:rasai by
you wig pay our topeeUon costs, ottornsya' less court carts. and ell other expanses of he otbitretor of erblkeu~an edmtnrnslrssor within Utoredatel judicial diievr ciin which you
enlortinp our rights under:his sareoment
CLOStnG YOUR ACLDUNT ou call us to close your actovnt ws may reside of Ills lime Iha Claim k fded, er at soma other place la which You end ws ogres in
You msy atone your etcount at ony limo ii y writing You may obtain copies of Iha current rules of each of rho two arbitrotisn
require that you conFrm your request in wrting adminratretnrs, information about erbhretion snd arbivaUon Isar, end instructions for
Wa may arose Yaur attounl at any Umo or suspend yonr ered[t pritfiegos at sny dma for iniUstinp arblua4on by eontstUnp rho srbiVstion administrators es togows:
arty tensors wNheul prior notice except as required by appgcrbla law. ti we aloes your , pmsrinen prbiVotion Assseietion, 335 Madison Avanua, Aoor 10, New York, NY
iOgl7-~605,We6 sks:wwwadcorg.8lH1-77!•7879; or
account, we wiA not ba Habie to you for any eonsequeneas resulting Irom closlnp Your
otcount or suspending your credit privileges NoUonof Atbitrelioe Forum, P.0. Box 50191, Minneapolis, TAN 55405, Web s{ta:
11 you or wa close your oecovnt, you end ony euUroriiod users mutt immediately slop www erbhrstion-forum tom, BOl1.474-2371
using your attounl end destroy sq cards, checks orotharmeona to access your account prsesdnros and law appllcnbla in orbitrelloa. A single, nsuusl arbitrator will resolve
orrelurnthomtousupenrequestYoowrlieominuetabaresponsgytelorthsrpestayour Claims-.i.6aetbllratorwiHeidtorbaolowysrwilhatloosltonyearsaxporioncaarareGrsd
etcount. even ii they ors made at processed ehsryour account is closed and you wiD
... %iJlAi2c:
. ~~,~~:.
orformarjudge ThearbilretionwlUbaconductedundartheeppgcableproeeduras
snd rules of the arbltrodon edminisuetorthetara is olleetonthe datothe erbltretion
is filed unless those procedures snd rules ere inconslstanl with this Atblvation
AgrsemeM, in which case this Agroomaal w01 proved Theta prscodurot end rules
may limit the amount of discovery avegeldo to you or us Iho arbitrator will apply
nppGcabla substsndve Irw conslstenl with iha FAA and appgcabla schoose to
Gmitadons, end anrd be rsr resented by coeigmselcTho aPoitrator wig take reasonnblo
havo a hosting P
steps to protect customer Account information sod arbor coniidontiol Inlormo on,
including the use of proteou or us. Tha a biiratoL wr'Y hove rhea plower to award to e
ii requested to do so by y
Petty any damages or odrer regal provided for under appgcebls law. and vn11 not
hove rho power to sward regal lo, syeinst ar tar the benefit of any person who is
not a partyto the proceeding II Iho law sulhorizes svcfi relief, the rrbivmot mny
sword pumtrve damnpas or enotnay teas Tha nrbitretor will make erry award in
wridng but nood oat ou ardus~thatorhi ratorrwN providonssbnef stalema^I lathe
Upon a request by Y
ronsons for the award. Y
Casts. We wig tai oo rotator air root of peymonL Addl lonegy, llothoro is a tworinpa
e.mounl of 55DD up P D
wa wilt pay any teas o1 the erbhralor and arbltradon adminisueta for the Grri two
days of that hoaring~ Tha payment o1 any such hearing Ines by us wBl bo made
dFractiy to the arbitreUon edminfstrslor selected by pou or us pursuant to this
the erbiuetlon adminlsVetarhend eppgroblealaw HowMoverplwe will advance or
reimburse filing loos snd other Isla it the erbfuatlon edministretor or erbltralnr
detarmines there is good reason for requbing ut to do sobearthe ox anse oltho
determine there is peed eousaea~r deans ex ant, witrtessNas, doeumsn c and other
tees and costs of that party'. Y eve Is, far erbitratinn end any s pest (os
axpansea, regardless of which party P
permitted belowj, except that the arbitrator shall apply any oppgeeb a law 1n
datermininp whether a potty sfiould recover erg or all leas end coats from another
party.
Entorcomon4 tinaliry, appeals Failure or any delay in oalorcinq Ihfs Ar hrauon
Apranmemalanyttimi'e~o alto erbi~suon et aYlalerdme orifn co nolelonwith any
a waiver of any rag q
other Claims Any tleciskn rendered in se;hsynbrkiU y~UreFnrbltroUonlorgenko4on
binding onthe partiec, unless a parry app
wrthrrt30"d enaj~nS~twotnauVel etb'rdrdators d aignsted rbY the same arbitrnlion
borate s p
organlulEon Tha P ~n to a prate tfmq vs ng a si gb arbrtnto6 a d m ks daclsionc
soma rules drat app ~ ~g boar their own loos, costs and
based on the vote o ,the majority .Etch parry
axperrses for eery appeal, but a parry may rettover any or all leas, costs srrd sxpe able
born another party. it the ma{oriry of the penal of eibitretotc,~ PS ~ vidod by th_e
FAA or odtaar nppCtcsbls lowrrddby any court haul p jurisAi~tdon •-~- ~ _
SeverahRiq, survival This lubiVedon Agreement shell survive: G1 torminaUon or
changosin rife Crrdmnmbor Agraemon4 dte Account andrtlto-relodonshlp bstwa on
you snd us eoneerning the Account, such es rho issuing o~® now ectotmt number
or the pbnalerrlnq al Uta bstenca In rho Account to anorhau ~ tor°uout braholi;
6enkruplcYofonypettyorerryslmgerprocesdkrpinilietadbyyo Y
and (tr payment of the debt in fug by you or by a third party tl any portion of chic
ArbiVetion Agreement is deemed invalid of unantmtoablo, iha rsmelnlnp poAlonc
shall nevertheless remain in lorea
C}tAN6E3 TD THIS AGREEMENT
Vye eeo change this agteemerd at any thee, regardlean of wh~ on Dur nght 10 Ladd,
to your st:cnant, by edrfmg, dslednp, or modifying Y P
delete, nr modify provisknt includes Dnancial terms, ouch es the APRs end lens,
and other URna such ec the nowra, extant, end enforcement of the rights and
abligaoons you or wa mayhtva rolaCmg to this agreement ModiOcations, nddidons,
or daledons eta cogad'C copes` or s'Chango'
rya wtq nodly You of eery Chsnpe it required byappUce ble law These Changes may
be otfoctive vrrdr nodca only, st rho dme stated In out notice, in a` etkrlhe unwoid
applicable law Unless we state otherwise, errir Chenga svKl app Y P
balencsa an Your account end to new transyscdons
trnhaco nqu ne sit you doond not xo-aefsslhaserlghuPFornsnmplehthsnotlce
may rieU that you mny nodly us in wridng by n specigod date 11 you do not went to
accept tannin Changes wa ors maklnp II yes nodly uc in tvridnp that you do not
etceptdre Changss,YOUOUr outstanding batarrceluodlar rho appl'rcibte tadrmsnnl Ihs
will be o~getod to ptryY
optoement It you do not nodty us in wrhing bythe date rioted in the notice. or it you
notify us but then use your account eflor the dote rioted in the notice. you will be
',:t,,.cr: to accept all Chongat Ir, I`•a nct!:e and to accept and confirm ap lours c!
your ogroomartt and all Chnrtges In prior notices we havo sent you rogardloss of
whether you have necoss to your account
CflE0t7 WFORMATION
We moypetiodiroUp revrowyour credit historyby obtalning information Irnm credit
burnous end others
Wo may report lntormnGon about you and your attounl to credit bureaus, irtcludlrrg
your Endure to pay us on dmo.ll you roqueri addfdonaS cards on your attounl for
adtars, we may report sccount information in your name es wall as In rho names of
these other oeopto
ii you think we hova,rpportod inecturela informadon to n credit bureau, you may
wriu to ua at di,,C dptombor Sorvin address Ksted on your bWmq datsmenL
Please include yyot-r ~>aar add~asa, eccoum number, telephone number and a brief
dasuipllon of the problem II adaileble, ptoese provide a copy of the crodrt buroou
report in question We,enU promptly invssdgata the matter and, ii our invasUgedon
shows that you ate rtglrt, wo will contact each credit buroou to which we reported
the information nod wip request they correct rho report 1! we disagree withyou altar
our invasligadon, wa will toufe theainlo merlon unless you Inc us knowsthel you no
credit buroou that you lisp
longar:dispuls the Inlaymelion
NDrICES/CHANGE OF?PERSDNALINFORMA710N
Wo will send cards, 611Gng stetomonu end other notices to you at the address shown
in our Olas. Or, if this id a joint account, we ton sand billing stetomants end nodces
to any joint eeeounthofder. Nodes to ono ul you wU) 6s considorsd notice to all of
you end all at you wgl tamale obUgstod on lho account
11 you thangn your name, address, or home, cellular or business talopfione number
or emo0 address lit You~eleet ro rotoive 6illinp statamenLs ar other noUcas online),
you must notiy us Immediately in wrldnq at the eddreas Chown on your billing
rialsmnnt. We mny, al, our option, accept moiling address correcdons Item the
United Steles Posen{ Service tiNo may contact you about your account including
for customer satvits or•eogrction, at any sddrass or telephone number sc woR as
u rovide us.
any cagolsr tatsphoadnumbsryo p
TELEI'I,iDNEMDNfFORtNGANDRECOfl01NG qq
WoYouelpreslltetwti~endl epplfc ble~ourtagonts~omeydo sa~wh tharyoulorwa
initials the telaphoaa eeK
INFORMATiDN SHARING
You authorize ut Io share csrtotn information eboutyou end your accountwithin our
iemRy of companies, and with others outside our I o~ ear on rho cards, aslpsrnnlttod
componyororgenlzodonwhosenomeormarkmny pp
by law, Our Pdvauy Policy, vA,i~h fs ptatid:d t, you tvbsa you Orsi rec!ivs on
egrsemonlendallearioncaoachcalandaryearthareeflar,doscdbeseu'VS1u about
charmg precdcec end the thoiees you hove and direedons you meY ll
our sharing of informadon about you end your sccount wish companies or
orgsnltadons with-n and outside of our lamily of companies
IUJNOIS CABDMEMBERS
IUlrwwls few prpyldas that we may not share intmmoUan about you with tomponlos
or olhe- orgonizadotu outside o our family of companies unless you nuthorita the
disclosure or Unless the disclosure (nits under another oxcopdon In the low icuch
es sherinp inlonnsUoa to process your lnsnsaelions or in response W a subpoena).
You hereby agree thaA N You choose oat to axordse the spplicable opt out desedbad
M our Privacy Po1lcy,you wgl be deemed to Neva nudrorizad us to shore personal
inlomsdon wa hove shout you f ndnding informaton related to arty of the products
orseryiees you meyhavs whh any of out companies) with companies or other
orgerrizationcoulsidaofour(nmgyofcompenies
ENFtiACING THiS AGREEMENT
Wa ton delayenloreinq or not enforce erry of our rrphls undarthiyegroemnntwithout
ern ound t °he uaen orceoble, all other ie maiwlll iomsin in tun in~ceis ngreamant
ASSIGNMENF
W~ may assign your attounl, any amounts you owe ns, or any al our rights end
obggedons under 1h1s sgraamsntto a third petty Tha person m whomwe make rho
ectlgmm~nt vrN bo gnGUod w any of our rights that wa assign to that parson
GDYERNING lAW
7HETEAMSAND ENFORCEMFM DF7HIS AGREEMENT AND YOUR ACCOUNT SHALL
DE GDVEP,N£DRidD INlT~PRETEC IN ACCORDP.!CE .y1Tli ii•DL•RAL W`Ar A1.0, 70
THE EXFEIJT STATE LAW APPLIES, THE LAW DF DELAWARE, WITHOUT REGARD
TD CONFLIGT-OF•lAW PRINCIPLES. THE LAW OF DELAWARE, WHERE WE ANO
YOURACCOUNTARELOCATED, WiLLAPPLY NOMATTER WHERE YOU LIVE DR USE
THEACCOUNI:
FDRiNFDRMATtON ~-
Please cell Iba .Car., ~ombor 5nrvlto telephone number on your cord or billing
riatementllyouyouhe!~_ ygvesdancaboutyournccounlorthisagrsomnnt
YOUABILLINGNI'ORFS'
KoepThis NoUc6 Far.Ffrwta Uso
This eerie contains imppatient 1nlormetion nboul your rights and out responsibgidos
under the FaM Credfl BrUing Ast
Madly Us in Care DF Erron Or Onestions About Yovr 8111
II you think your bIU Is wrong, of it you need mare Inlotmatiort about o vansaclion
on yourbiU, write us op a ssporeto shoat et rho Cordmombar Service addrosc shown
on your hilfmp stetemonl Wme to us as soon os posstbla We must hoer Irnm you
no Istor than 6D days altar we sent you the first bill on which Iho error or problem
•np;,;r•d ~lyy::,rttelephoreu..h!4JainyscwU'notpraserveyourrights
In your latter, give us the IoRnuvrnp Inlormetion:
• Your name and account number
• Tho dotlat amount of the suspected error
• Doscdbo the error and explain, it you ton, whyyou bogeve chore is on error II you
nood more inlormedon, describe Iba Item you nro not sure about
or ch ~kinp a count, you can sip the payment ore any amountiyou think s wrong
7o atop Iho payment your lottbr must roach us et tease three business days holore
the eutomeGc poymontis schbduled to occur.
Your Rights And Our Rnsponsibllltias Aher We Receive Ynur Wrinca Notice
fags a nt r,
~; t
VJe muri ecknvwiedpa yourlvtter within JD days, untoss wo have eorrocted the error by
then Within 9D days. we must oithor correct tho error ar explain why we balievo the blll
r was correct
poor we rscelvv your latter, wa cannot try to eoilact any amount You question, of ropo
you as delinquent Ws can conk ~ s~° uo ofd emovrret ga st yourgc o ttil linen Youidn
finance charges, end wo can app Y Y p but ov ere sOD
not hove to pby any quesdonev[d bam~e1 e ~ got t aquaslion strgeUng, Y
vbDBated to pay the pvAs oiy
II wa find that we ma de a mistake vn your biH, you will not have to pay erry finonce charges
related to any questioned amount II wa didn' ea em~ssod Dteymunts n Iho queslivnod
finance charges, and you wQl have to make up Y
amount !neither case, we wiA Bond you o statement of the amount you owe end the date
thelil is due
If yvu tail to pay 1ho amount that wo think you owe, wa may report yov es delinquent
Hawever,il out explone8ondooWe ~~ ~ ~~q anyone wa topon you to ihatyou havana
us that you stfll refuse to paY,
question obout your bill Artd, wo u to tholptho matter has bean snhled between us when
We musttaq anyano wa ropvri yo
it [finally is
it we don'I follow those rubs, wo can'tcollocl the first 55000 of tiro quostloned amount,
even A your biD wac eorroet.
Spacial Pules for Crodit Gard Purcbvsoc a or services Ihot you purchased with a
It you have a problem with the quality of prop rty
credit card, and you have vied in pond forth to correct the pre6lem vAth the merchan4
you may have the rlphl not to pay the romefninp amount due on the property or services.
Thl5 right does not apply fo chock vnnsectiens Thorn ere two 6mite0ons on this riphC
(e) You mull hoes mode the pureheca in your home sta[a or, i1 not within your home slate,
v+lthin 10D mles of your currant meipnp odds:r, and
[b} The purchase price must have 6ren more ihon SSOAD. au the
advertisement fordtha prepolrtYivr service; aporete the marcitant, yr ilwa ma0ady
Copyright 02DD6 JPivforgen Chase & Co AD rights nsarved
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VERIFICATION
The undersigned does hereby verify subject to the pe alt' s of 18 PA.C.S. 5 904 relating
to unsworn falsifications to authorities, that ~he~s he is
V ame)
U ~ of ~ ~/ /l , ~ ,plaintiff herein, that
(T e) (Company)
he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing
Complaint are true and correct to the best of his/her knowledge, informa
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SHERIFF'S RETURN - REGULAR
CASE NO: 2007-04174 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CHASE BANK USA NA
VS
MORRISON KELLY A
MEGAN HARLOW Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
MORRISON KELLY A
was served upon
the
DEFENDANT at 0841:00 HOURS, on the 18th day of July 2007
at 191 S LOCUST POINT ROAD
MECHANICSBURG, PA 17055
KELLY MORRISON
by handing to
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs: So Answers:
Docketing 18.00 ~~~~~ /,~~///
Service 7.68 /~
Affidavit . 00 ~j
Surcharge 10.00 R. Thomas Kline
.00
~,~,a~e~ ~„ ,/ 35.68 07/19/2007
WELTMAN WEINBERG REIS
Sworn and Subscibed to By: `~~r, _.~,.Q_
Ll.~ ~
before me this day Depu Sheriff
of A.D. ~~
r
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
KELLY A MORRISON
Defendant
No. 07-4174-CIVIL TERM
PRAECIPE FOR DEFAULT JUDGMENT
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
WILLIAM T. MOLCZAN, ESQUIRE
PA I.D.#47437
Weltman, Weinberg & Reis Co., L.P.A.
2718 Koppers Bldg.
436 Seventh. Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#06039214
Judgment Amount $I{,q 13.68
THIS LAW FIRM IS ATTEMPTING TO COLLECT THIS DEBT FOR ITS CLIENT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No. 07-4174-CIVIL TERM
KELLY A MORRISON
Defendant
TO THE PROTHONOTARY:
PRAECIPE FOR DEFAULT JUDGMENT
Kindly enter Judgment against the Defendant, KELLY A MORRISON above named, in the default of an
Answer, in the amount of $4,91.3.68 computed as follows:
Amount claimed in Complaint $4613.68
Interest from date of judgment
at the legal. interest rate of 6% per annum
Attorney's fees $300.00
TOTAL $!~,~13.68
I hereby certify that appropriate Notices of Default, as attached have been mailed in accordance with PA
R.C.P. 237.1 on the dates indicated on the Notices.
WELTMAN, WEINBERG & REIS CO., L.P.A.
By: C~v
WILLIAM T. MOLCZA SQUIRE
PA I.D.#47437
Weltman, Weinberg & Reis Co., L.P.A.
2718 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412)434-7955
W W R#06039214
Plaintiff s address is:
c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7~` Avenue, Pittsburgh, PA 1.521.9
And that the last known address of the Defendant is: 191 S LOCUST POINT ROAD MECHANICSBURG, PA 17055
..
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff Case # )r~ "~~ ~ ~ ~ C~v ~ L T~IZc^~
KELLY A MORRISON
Defendant(s)
IMPORTANT NOTICE
TO: KELLY A MORRISON
191 S LOCUST POINT RD
MECHANICSBURG,PA 17055
Date of Notice : ~ ~~ G~ 'U -}_
WWR#: 06039214
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU.
UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A
JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY
LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS
PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR
TELEPHONE THE FOLLOWING OFFICE SET FORTH BELOW. THIS OFFICE CAN
PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166 (,,-_^•-
PATRICK THOMAS WOODMAN
PA I.D. #34507
WELTMAN, WEINBERG & REIS CO., L.P.A.
2718 KOPPERS BLDG, 436 7TH AVE.
PITTSBURGH, PA 15219
IN THE COMMON PLEAS COURT OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CFIASE BANK USA, N.A.
Plaintiff
vs.
KELLY A MORRISON
Defendant
Case no: 07-41.74-CNIL TERM
NON-MILITARY AFFIDAVIT
The undersigned, who first being duly sworn, according to law, deposes and states as follows:
That he/she is the duly authorized agent of the Plaintiff in the within matter.
Affiant further states that the within Affidavit is made pursuant to and in accordance with the
Servicemembers' Civil Relief Act (SCRA), 50 U.S.C. App. § 521..
Affiant further states that based upon investigation it is the affiant's belief that the Defendant, KELLY A
MORRISON is not in the military service.
Affiant further states that this belief is supported by the attached certificate from the Defense Manpower Data
Center (DMDC), which states that the Defendant, KELLY A MORRISON is not in the military service.
Further Affiant sayeth naught.
Cam'
AFFIANT
SW N TO AND SUBSC D 'n my presence this ~~ay
of m ~~~,.
NOT Y PU LI COMMONWEALTH OF PENNSYLVANIA
Notarial Seal
Wayne A. Jones, Notary Public
City Of Pittsburgh, Allegheny Cour>ty
My Commr.~swn Expires June 29, 2010
This law firm is a debt collector attempting to collect this debt for ouMr~'It~S'tp~'~i"c~~anyn~'n'~o matron obtained will. be
used for that purpose.
Request for Military Status
Department of Defense Manpower Data Center
Military Status Report
Pursuant to the Servicemembers Civil Relief Act
Page 1 of 2
DEC-12-2007 06:42:59
~C Last Name First/Middle Begin Date Active Duty Status Service/Agency
MORRISON KELLY Based on the information you have furnished, the DMDC does not
possess any information indicating that the individual is currently on
active duty.
Upon searching the information data banks of the Department of Defense Manpower Data Center, based
on the information that you provided, the above is the current status of the individual as to all branches
of the Military.
~~ -~-
Mary M. Snavely-Dixon, Director
Department of Defense -Manpower Data Center
1600 Wilson Blvd., Suite 400
Arlington, VA 22209-2593
The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that
maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the
official source of data on eligibility for military medical care and other eligibility systems.
The Department of Defense strongly supports the enforcement of the Servicemembers Civil Relief Act
[50 USCS Appx. §§ 501 et seq] (SCRA) (formerly the Soldiers' and Sailors' Civil Relief Act of 1940).
DMDC has issued hundreds of thousands of "does not possess any information indicating that the
individual is currently on active duty" responses, and has experienced a small error rate. In the event the
individual referenced above, or any family member, friend, or representative asserts in any manner that
the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly
encouraged to obtain further verification of the person's active duty status by contacting that person's
Military Service via the "defenselink.mil" URL provided below. If you have evidence the person is on
active-duty and you fail to obtain this additional Military Service verification, provisions of the SCRA
may be invoked against you.
If you obtain further information about the person (e.g., an SSN, improved accuracy of DOB, a middle
name), you can submit your request again at this Web site and we will provide a new certificate for that
query.
This response reflects current active duty status only. For historical information, please contact the
Military Service SCRA points-of-contact.
See: http://www.defenselink.mil/fac~/pis/PC09SLDR.html
WARNING: This certificate was provided based on a name and Social Security number (SSN) provided
https://www.dmdc.osd.mil/scra/owa/scra.prc_Select 12/12/2007
'bequest for Military Status
Page 2 of 2
by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided.
Report ID: QSUTCVDNDA
https://www.dmdc.osd.mil/scra/owalscra.prc_Select 12/12/2007
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IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA., N.A.
Plaintiff
vs. Civil Action No. 07-4174-CIVIL TERM
KELLY A MORRISON
Defendant
NOTICE OF JUDGMENT OR ORDER
TO: ( )Plaintiff
(xx) Defendant
( )Garnishee
You are hereby notified that the following
Order or Judgment was entered against you
on
(xx) Assumpsit Judgment in the amount
of $~,g13.68 plus costs.
( ) Trespass Judgment in the amount
of $ plus costs.
( ) If not satisfied within sixty (60)
days, your motor vehicle operator's license and/or registration.
will be suspended by the Department of Transportation, Bureau
of Traffic Safety, Harrisburg, PA.
(xx) Entry of Judgment of
( ) Court Order
( ) Non-Pros
( ) Confession
(xx) Default
( ) Verdict
( ) Arbitration
Award
Prothonotary
By: 5 K . ~
PR T ONOTARY (OR DEPUT
KELLY A MORRISON
191 S LOCUST POINT RD
MECHANICSBURG,PA 17055
Plaintiff s address is:
c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7`" Avenue, Pittsburgh, PA 15219
I -888-434-0085
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
• Plaintiff
vs.
KELLY A MORRISON
Defendant(s)
No. 07-4174-CIVIL TERM
PRAECIPE FOR SATISFACTION OF
JUDGMENT
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C. Warmbrodt, Esquire
PA I.D. # 42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7999
WWR#6039214 CH1
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
KELLY A MORRISON
Defendant(s)
Civil Action No. 07-4174-CIVIL TERM
PRAECIPE FOR SATISFACTION OF JUDGMENT
At the request of the undersigned attorneys for the Plaintiff, you are directed to satisfy the above-captioned Judgment.
WELTMAN, WEINBERG & REIS CO., L.P.A.
By:
James C. ~ brodt, E
PA I.D. # 25 4
WELT WEINBE
1400 K pp s Building
436 See Avenue
Pittsb , PA 15219
(412 4-7999
WWR #6039214
Sworn to and subsct~ed
before me this y
day of July,~9 ,
& REIS CO., L.P.A.
COMM®NWEAL~H 6~ PENNSYLV°r~Nio,
Notarial Seal~'Ti
Wayne A. Jones, Notary Public
Gity of Pkteburgh, Allegheny County
My Commission Expires June 29, 2010
Member, Pennsylvania Association of Notarise
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