HomeMy WebLinkAbout07-4175
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
VIRGINIA HELLMAN
Defendant
No: ~7- '~~7J~ CIVi( ~efM
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
05999221 C J Pit. SJS
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No
VIRGINIA HELLMAN
Defendant
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:
VIRGINIA HELLMAN
4197 NANTUCKET DR
MECHANICSBURG, PA 17050
3. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number 4147202020214647 .
4. Defendant made use of said credit card and has a current balance
due of $11024.15 .
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 6.000% 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 $1500.00
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 VIRGINIA HELLMAN INDIVIDUALLY in the amount of
$11024.15 with continuing finance charges thereon at the rate of
6.000°s per annum from June 29, 2007 plus costs.
James Warmbrodt,42524
WELT WEINBERG & REIS CO., L.P.A.
436 S ve th Avenue, Suite 2718
05999221 C J Pit SJS Pitt ur h, PA 15219
(41 4 4-7955
F 41 -338-7130
This law firm is a debt collector att pt' g to collect this debt for
our client and any information obtai d 11 be used for that purpose.
PAGE 1 OF 4
Statement for account RUmbel: a,a~ 2020202, alsa7
New Balance Payment Dw Date Paet Due Amount Mlnlmum Payment
$11,024.15 04/20/07 $627.00 $2,247.16
Make your shack payabN to Chw Cab liervkea.
Amount Endosed $~~. New sd4ren or sma17 Rmt an tladc.
414720202021464700224715011024150000009
onaz eEx a Deem o
VIRGINIA HELLMAN
4197 NANfl1CKET DR
MECHANICSBURG PA 17050-9104
CHASE O
I,rrll IdrrlrrlrlrrlrrllrrrldrrrrllJdrrrllrrldrrrllrrllrrl
CARDMEMBER SERVICE
PO BOX 16163
WILMINGTON DE 19666-6153
~ ~~ ~,.
.,
I:SD00L60281: 3742020214647611' ~'~
OpeninglCloeing Delia: 02!27/07-Oy26Po7 CUSTOMER SERVK:E
CHASE O Payment Due Dale: o4r20/07 In ~.$. ,-eoo-s4szooo
Eapellol ,-666-,46-3306
TDD 1.60D-966.6060
PaY by phone 1-600-436-7958
Outside U.S. cell oofiect
1302-584-8200
Minimum Payment Due for Credit Access Una $396.00
Payment Due for Balance Over Credit Access line $1,024.15 ACCOUNT INOUIRIE8
PeM Dw Amount $827.00 P.O. Box 16298
Total Minimum Payment Due $2,247.15 Wttmingbn, DE 19860-5296
PAYMENT ADDRE1i{S
P.O. Box 16153
VISA SIGNATURE SUMMARY Aecounl Numbsr: 41472020202, 4N7 Wllmirglon, DE 19688.5153
PreVbua Balance $10,640.29 Credit Access Una $10,000 VISIT US AT:
Pumhases, Cash, Debits +$196.26 Available Credit $0 www dreae.caMcreditcards
Finance Charges +$247.61 Cash Access Una $2,000
New Balance t 1,024.15 Available for Caeh $0
A late fee b reflec0ed an tllie bgfing statement Your minimum payment reflects 1 % of your
smmment baance, plus any paebdue amoum, filled Interest, and the billed late fee.
The charge prNtleges on your credit card account have been revoked. You rw kxger have the
eblNty b use your credit rard account for purchases. We can help you get beds on track. Cell
1-800-95SB0301collect 1-302-5948200) belay.
FI FYlwl F aFWARDSSUMMARY To redeem your FlexileRewaMSpant~,Dell
Prevbus pdnm balance 0 1.800.603-2265, or bg on b
Fame eemed on purohases this period 0 www.chese.canJcredlbanis br 24hour access
New btel pants balance p m your rewards program.
Tomi polnta unavelleble for redemptlon 3,382
1,000 points witl expire on the first day of MAY, 2011
TRANSACTIONS
Trans Amount
Dote Reference Number Merchant Name or Treneactlon Deecriplbn Credit Debtt
Oy25 IATE FE ~~
py26 PAVMENT PROTECTOR t•868-3144371 9725
FINANCE CHARGES
Finance Charge
Daily Perbdb Rate Correep. Average Daily Balance Due To Treneaclbn Accumulated FlNANCE
Category 26 days in cycle APR Periodic Ram Fee Fin Charge CHARGES
Purohaeea V .08217°h 28.99% $2,645.17 $60.86 $0.00 SD.00 $80.86
Caeh advances V .06217% 28.95% $0.00 $0.00 $0.00 $0.00 50.00
Balance trenefer V .06217% 29.9996 $8,116.76 $186.75 $0.00 $0.00 $166.75
Tom! finance charges $247.61
E1lactlw Annwl Paroantaga Rab (APR): 29.99%
Please see Intomra6on About Vour Amount section for balance compumfion method. grece period, arld other important information.
The Correepading APR N the rem of Inmreet you pay when you carry a balerrce on arty beneactlon cemgory.
The Effective APR represents your bml finance charges - krcluding trensection lase
such ae cash advents and balance traveler lees -expressed ae a percenmge.
}( 0000ppt F1933336 D 6 000 Y a 2e 07A0r2a F.pa t al t 069Ba MA MA 0]!63 094100000a00DDt/4101
.. 1
EXHIBIT
HTTPS:IIINSTANTIMAGE. BANKONE. N ETISTARIJSPIPRI NTDIRECTL... 5/2112007
PAGE 2 OF 4
Address Change ~Lleat
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HTTPS:lI1NSTANTIMAGE.BANKONE. NETISTAR/JSPIPRINTDIRECTL... 5/21/2007
PAGE3oF4
operurgrClorring Dana: ov27ro7 - ost2ero7
Account Number: 4147 2020 2021 4647
Page 2 of 2
IMPORTANT NEWS (CONTINUED)
NOTICE: We are replacing the TwoLycle Average Dally Baance
Method (compute intereel on previous and current cycle
purchaes belsncea) with the Average Deity Balance including
new purehaeee Method (purchases deity balance times
pumhasas deNy refs each day only in the currant gcle).
Fxci6ng news!
Your rewards cdlec6on has Veen updated with
many new excifing reword opGOna. New merchandise,
new gift cards and new trevN choices.
See the entire cdlectlon at www.chase.coMcredltrsrde.
X OOOOOer FI333336 D6 OW Y 6 sa 0]~¢VM Pp.2d2 obese MA MA ansa 0961o0000a0000Tla2a~
HTTPS:IIINSTANTIMAGE. BANKON E. N ETISTARIJSPIPRINTDIRECTL... 512112007
Cerdmember Agreement
CMA12o75
ACCEPTANCE DFTNiS AGREF.NrEPfT
This agreement 9avsrns your credit cardr~ o unu ~c~ountis coveredbythk egnem t
conteininpthstadlatOdsaccountAnY Y° rondsem
Pleese reed the entire agreement and keep h for your retords' You aathorito us It peY
IornndthargaYau-attauntfasgouaeC ourd,sswaAasenyleasorf ancethargts
pa uslvreRVansactiorlsmadaony
If this is a Joins accotm6 rock of yau, together an on d oaeu I you nsponsfWa for pa ng
ell amounts owed, even p We account is used by lY
Plaesa sign the back of your uodit card when you receive h Yw nn7yba bound by this
ou use your etcaunt fat an purpose, oven 11
egreemant7youu y ~a"~t~ar~uussjroluaeeountotnotyauwilbebofndfdond
you doo't sign W
a graement unless yau ctncai Your accountwllhin IO days afar rota g Yo
you have nos used Your rtcaunt iot any purpasa
Thrauphavt ddc rgraamrnk the arvrds `W°-''os and'oui' mean Chew steak USk NA,
the issuer of your crodd card and account Tha words'yoa'.'yotlr and'yonrs' moon ep
persons rasponabH tar eomPh'Ing with lhlt epreement,incltldiagtlu parsonwho a spRre~d
for the account red the person to whom tae address billing sfeUments, es wag
parson who egress to ba fubta on the atLaun[ The word're+d'mesns one m morremil you
cr ether access devices, such es eccwnt mrmbers, that wo have issued W p
to obtain cods under this agreement
USING YOUR ACCDUtJT lemilqq or
Your account os saUnloss ore agree or h is required by taw, we wi rem 6e responaffile
household pmp urchesad ar leased through ace of your account You
for merchondrse a servrcet P lot valid end Irvulul tnnsecdans Far axamP(s,inlernet
promise to ass your account only
gambpngmrybeillepelinsetmmtissibletrsnstttion:r endywµn'l~imeinknsp nsibWytu
use your etcounl only 1a p
F:yrnp !or a tran.•.ectioa avonR Is is eat per:nisslblo
Typos of Transediortr. tlr nr reretter_
• Purcbnses:Yau may use your card to pay larfjoo '
- Checks Wo may P~da you cash advance checks m balance transfer checks es e
weytousayoureccorntt"lfoffs~dsa services, aiunnslerbpleneest ayouraceount,
You may use a cheek W pay g ou may not use these ebacks to uensftr balances Io
or for other usaswa albW But y
paean whosaf rnema u Prk+t d anrh°i hr,ek mny sign the shack Cash advents checks
are !reeled as rash edveneas ands em ~joronyaHvrwemskttaryau Wemeytraal
uensters axc^pt as noted in this agr _
thatwatcep comenfoace cheeks and Ilsetwo indieatad to you ere jecitoatheherrns
[ot cash advnrtt:ea; may be Va Bred es cash advances and easassed rash advance rotes
and fees
` ~d~~,fj%uea ap ctltsrlsndersmbihiseeeolitld,oroUterbafed alrein;farswe nllwt
gut yon rt ay nos Innsltr balances w ttds account Irem other accounts tndtlt us or any
of our related tamPe ~ me° process aepanlal be eon wn ter uprtv~yaur evailabla
evepabla trsdnRne, Y P
tredrt fin•
• Cash Advance:: You may use your card to gel cash from outamouc leper machmac, or
from Tinanmci0nea o ~^wirs trensfsrshor cslmilu castrFdce charges, or triolobm n lottery
curtency. Y
rickets, casino gemiapchfps, rata trackwrgers m for simper brldnp Veesetdon~ ^~
mgyalsquseetlifcdradysenncetnmep4>'p9ymPntonyaurbalwkandbillthn w
in this eeeaunL
• DvordnitwAmran'ink Was aeeourt taeyoub efiockinp seeount wiW our related bank Ia
banks. y ey
rover an overdnh on Wal checking account under rho farms of this agreement an
yourch!ckinp accoumagreoment
gflllnpCyelrlaardortomen-p(1~11etonetm nUtinlo 9lhlPoraechtsiendadtmonlhp,
cycles'. Eecb billing cycle Iz app ~
your acomllen~nding in arofi co, nyder month whether omn ttthan fs o biGing a~tatoment
bilFmg tyt
Ior that b11Gng rycle
AWbarltad Users U you allow someone to ass year ettount, that p°er~ he~fne sn
authortzad asec. you should think canluAy ba(ore atlnwing arryo
ettdtottied tlser because yyou are allowing [het patron Io use We account es you ten
You vmll romein respotsfble Ior the use of your etcounl and each card issaad on your
ateouni eeearding to the terms al this agnemenL This klcludes your rasponsibifty Ior
paying ell thergas on your etcounl made by an euthorizad user yr ocronnl II ~nU
Yau mry request en eddhional card for use by en suthorlted user on yo
do so, this cot r.nt may eppv:, on the ereon report of that euthorizec •r>ar
you notiFyusuwemay tlosi Wa atcouM endJor iscue i newicardnm 1=erdswith asdiilsront
eeeountnumboc Yoe shoud also recover and destroy any cards, checks of any other
means of assess to your eseounl from that eulharized user
Fredit Lino: Your endlfitu appears on YaW bRRng stetomonls We may flea tshow th t
crsdh pee u e uedd yonh of spending pmil Your billing statement also may
anfy o pacdan of your tredd pee maybe used tar cosh a dvancos. Cash edvotcos,including
cash advance chock; era eherped against the rash advaaee ponian vl Yauransi6fe lot
and aA other trpnsacdone era charged agafnri your eredlt lino. You en ro>p
keeping track at your ¢conm balance, including arty lass and finance cfrergea. and
line or nrry raaton,ivn meY tbs 9e you nn ovairt mat foe as described in thlsrl4tvamenit
Wa may, but a re nos regoulr eaedk lino~and yourmus payygus mmidistoiy R w~i eskoyou tot
PPay °~ emW~~ lies to arty balnnca owr your crsdh pee
This apreameM app
At ourdfiscretivn,wa'mayincroase, red~c t, or cancel your credx fins, or the cash advance
portion al your uourlcredilRne A ch ngs to your crsdh Gnevwpt not eHa I yom obppetion
wiN twlMcreese Y
m pay us
Intnraedonal Traasdclioaa: tnltrnadoaol Vensacllona include any Uansectlon that you
make In t IoreigncWnncYvr that you make outride of the United Stetasoi AmorTca Vi a
g it iF made in U S dyers 11 you make a trensacdon Ina (onion ctttrtnry,
InterneBonsl a {AasyerCerd tnleraattontl, let., vvgl convert the ttansecdon iota U 5
dapets byusing its respecwe surreney conversion procsdurtrs The exehanpe nu nth
entity uses Iv convert eartenry is a nu that it sebcts either from the nnpe of nlvs
ave0eble In tharyjrem theurreu ythr r recpsetHo ae~ntitY b~iuaR tRCaivosl, a oWNiha
nle meY
povammant=rtandeladnUinagadonthssppicabfaprocassiugdels Theraia a oc
ms U1e tppfitlable pracasdag dale may dfHer from the rw on the den you used ytltu'kerd
ar eccvutR VM1-e retervtl the right to chorge you en eddltionel Wna percent {7S) of tht
US dolarammmtvlenyinumadon.llransccdan,whethtrlhetVensactionwasoriplnepy
made Fn U-S. dopers or was made in another wrtensy and converted to U.S. dollars by
Vsa or MasterCard to efthar t:ae, the 7% vidA be ealculetad as the U.ando~p, m tlenel
prwb)ed to usbytFiattntity fie carne procacs andcfierges may apply ~ Y
transaction is reversed
Refaces to AuthtritaTraasatfiel totlovwilnp tAasons o nos re quired te, decline a vencatllon
on your a ccovM fm enY
• 6seausa tl operational cansidualions,
• boesuse your etcounl Is in daleuh,
• it we svspetl fruutlulonl or unlawful activity or,
in ~.+, dtvar..tion. !o: cry other reason.
Wa are trot responsible Im any losses 11 a Irensec0on an your eccoun! Is decpned Ior
ony reason, o1Wer by us or a dtitd party. avan d yau have svffitienl credit evaleble.
For onlne trans~ma~` we s Sa eat Wa will nadfy you if we wens youato ngistevr U yau
authoritstion sys decline our online Vensncgons
donolrep'tster,vvemay Y
Rsluaat to Pey Cbeckr. Etch chsckyou wtitr is your request for Ivndt. When we revive
a chock fix payment. we may review your account to decide whether to euUtadza that
chock We 1naY, bus era X°sm ~B~°d ra' r°iact and -etum unpaid a shack for any raison,
}neludinp the ioptmrolp P nios is the a o0 on 1ha check
. Wa of one of our related comps P Y
• Youtered'ttGno oressh advance portion of your credit I'mo has bean exceeded, or would
6e uittradedif wa paid the shack
• Tha thtekispost-doled if a pcst•~dated chuck is geld. rasullfnp in another check bring
tatumad tx not aid, we sn not respansib4.
- You have used the check ohar the date specified on it
• you are in delauh of would be It we paid the check
Last or Sttllea Gerds, Chalks or Account Nvm6er:~ If any card, check account number
or other means W attars your account is lost or stdan, ar yon think someone aced a
may use tftem wiWout your permission, you must notify trs at onto by tatpng the
Crrdmombar 5arvice telephone number shown on your card or billing statement l)o not
ate your evcwrtt aheryau notiy us, avan g Your card, check, eccovntnvmbarat other
means to access Your eccotmtk found or returned. We may terminate or tuspond ytwr
endrt prfinlapas when you notify us of any lots. Waft or uneuthmaed use related to your
account
Ynu may he n~htn b thorn s unenll•nrbed use of ;3:•: ect7'^t !•rm vL•~itir yw'r retch-
no boneCd, 6utyou writ eat be gable Ior more than 550DD of cuch vansecGorts, end you
will not be GeNe far any such Vansecdons made after you notify us of rho bss, theft or
nnetnhorited uso..Nawevor, youmuriidentiiylor us Iha unauthorized eherpos Iromwhfth
yau feceived no benefit
We may requw yvvto pmvlde us inlormelion in writing to help us fmd out whathepponod.
We may also regt6re you to comply Wilt, certain procedures in conheeGon with our
inyestigetian.
PAYMENTS
Payment tasuuctions: Your billing statement end occompenging envelope include
insgtlctions you must lapow fm making payments end sots forth the data and rime by
yvhlch we mast receive tht payment
You agree to ppay us omwnts you owe in U 5 dollars drown an (ands on depositin e U S.
Rnencial htsUlubon or Ws U S. branch of a lorofgn Gnoncial institution uttnp a payment
ehoekmoneyorderoreutomadedabitthetwr~tssYour totes eveRebleeer dmaY n t br
Insdwpon. W rn'p not eecept rash peytrw
reriored tar up m 15 Boys after wa reserve your ptymonL
Any ptlyment check or other fo.,n •d nn;:nanl which yet: send to rrs tn• l•u then the !ul
i+eranee mat is marked ~rcid in fvlr sr with a similar notedon or dlmust be sent osus al th1
In sup saJsfeedvn of a disputed amount {eonditionalpeymantsi,
condidvnel peytnantsaddracs6stod on your monthly statement We reserve ail our right:
regarding suchh parreeats Fror example, if h is detvrminad there is no vepd dispute or I
a11y cvehpaymontrs received el a1ry other eddreas the may accept the payment end yor
vvpl cull owe any ramoininp balencs Wo may rarusa to accept arty such payment b
raWrrdnp it to you, eat cashing it a by desuoytng iL All arbor payments that you mak
should 6tl sent to rho regular payment address shown on your monthly sletemenu
We reserve the tipM tv efocvonkelly copect your eligible psYmsnt checks, al Grt
presonunetrtaad any representmenL hem the bank etcounl on which the checks drawl
Dur toedpl of Your PeYmant checks is your sulhodzedon for us to eoReetthe amount e
EXHIBIT
.:~
the check olocuonicaliy, or, it needed, by a drah drawn against rho bank eeeounl
Peymsn! eheeke wgtbe eolloeted eleevonieally byssndnp the shack smaunt along
i with the thaek routing and eceaanlnumbots to you- be a taThe or plea! p ymant
be debited as early esod end en imigo Will be m into nod in our rasords
check wlll ba dosuoy et !earl rho minlmvm payment duo, es shown
Minimum Payment: You agree to pry men! is due
o„ your blll'mp stetamonL so that ws racahro it by the date ands~til~lull amount you
YuU may pay more than the minimum payment due and mry p Y
owe us el any Ume, ii you hovo a bolenco !hot is subject fa Gnanea ehetpes, the
sooneryou peyus,Ute lascyou wiA Pay n financo chetposhscausa 1'mnnce charges
accrue on yourbetenco each daY
NawBalancetonyourbAlingWstetomentllNtheNowBeloncei SiD~Oporllecs,your
minimum peymard due w1p bo rho Now Belenca.0Ulervutte, it vrAl ha Ura largest of
total bilged p dvdi~ele financo ehergos~and eery hAl d late anOtovsrgmit$eosn As
part of the minimum psymom due,wa also add any amount past due and arty amount
over your trod! line
PoymantAAocatln ~stismost ovortbiatoorcnnvenlonllorus!fw xapmple,you
and crodtts n e wey our ~ ants end cradlls to balances with lower APRs !such
euthotito us to spph'Y P Ym
as promoUonel APRs) balore batencec with higher APRs
Credit galanees; You mot' request a rotund of a credd batenee et enp Uma We may
redoes the emouMOt any credit belence bythe amount of now charges orleas biged
to youraeeovnl
Automatic Chargesr You may suthorho a thbd party to atuytomatlcally charge Your
and insurance promiutnsl it eino(matie chaPgos as st~oppad for aarryne un I~breiaainn
because your account is dosed or suspondad for arty roesonj er ~ se charges
number chrngos, yon era rssponcPolo for notHytng lho bglorand payi g trc~
dirocUy 1(your ecctwnt number chonges• wo may, but era nolreitu~rod ta, paY
yournewacswntnumbarchargesthatyououUttn edtobeblllodtayouraidaceount
number. offers edel terms for your account N wa
pramollonr. from Uma to Ume we may P
do, wa vvBl noUly you about the terms o{ the utter and how lo„p ihaywlll br in effect
Any pramoUaa ra subjetf to Iho tarrns..al this agteament as modiGod by the
promadvnsloNoc
FINANCE CHARGES :
Gaily Psriodie Astos and Anouadl Pnrceriodie ales ersoGstod on rho Reiss end Feat
('APRs'1 and the eorroepondinp Y P
parlod~eerataawo dlvldo U1e APR by 365 and nr ofledd Iwayc round upaat thadGhh
plaeo ~ tiro rlphtddls daehrial pent
Varlahla Reter.Onaormooa~As.thet epplyloyouraccounlmayverywith chanpoc
to the-Prieto Rete Whsrtyoa ~dJmne mergietolho Prima Rea p bAsh d I Iha
Rate, We eeleufalo rho APR by 9
WsllStrsatJaumidtwP ~P'dnoss days before lhr Closing Data chovm on your bllling
statement The -Prime Aete' is rho highest {U.51 Primp Rato published n the Money
Rates section of ilea WeASrraarJourna! 11 fir yyag5voet Jeumslstopr publishing
statement oath ouph a separeta r1ol~icro atarance rats and inlarm you on your bAling
'bvsinosis dsy~is angqr d Y that i nvto weakead oraiodorat huGdey.aTlra Aoua and
Foes Table shows whleh caret, it any, arv verieble rates It also lists U1e margin for
sock variable rate and ony minimum daAy periodic rote and wrrespondng APR
Two businras days heicra rile Gosi1-g Data shmvn on Your odGnp statement wa •ts
what the Prima Rela ~I ~~ r~lo is call ulsled erode crlDod ebwea Prieto Rato to pot
the APR. Tho daAy p e la s deA eriodic rate uom the previous bAling
If vur ealsutatlon vaults in a cherrg Y P t ss of the Arst
cycle because the Prieto h°teends in lhpace ends month In whlati vw mods the
dayy vt yotu bBAn9 cY a hi ar eriodic
celculetlon lithads0ypariod'mrotoincrseses,youwlUhovatopoy ph p
tinaace charge end may have to goy a higher minrrrlum payment.
Deisull Rotas: Your APRs also may vary it you vra n dolault under this agreement
or eery other agreomont Y~ have with us or arty of our related eompontes for any o1
rho bllotxittp roesnns
• Wa do eat recehre, for any payment that is owed on this account ar airy o1 sr
ecctrum or loan with us. et !Dort rho minlmvm peymom due by the date and limo
dua•.
• You oxned your eredR fine on this eccnunt
-You make s payment to us that is not honored by your bank
• To theerdenlagowadbylaw,il,elerryUmeeftrryaureeeoumiselosed,wodemend
immediate yeymant of your outslendlnq batenee and we do not recelvs payment
wllhht t.`1e Uma ws tperily
It any ottheso events veeurs,v+o may intrease the APRs !including enypromadonel
rite etaledbnlUle Ratee alndtfoes 7abl WDVmtry Cans dbr 1110 I gawnq i~DC arf lD
dotormina your dateult rats: Use length of lima your acsount hoe born apes, rho
o:dsleneo,serioumees end liming olthe delsults onyour aeeount: olhorindieations
onyour account usage and patio Delos; cod in orlmallon we Doran Irom consumer
with us or any of our related romp
credit reports obtained Irom cradlt bureous The dolaultrat-vAll le ie toNour~hase
the(vetdayofthebA~ingryeleinwhichrh~deiauitoccurs,bndri~MappY P
balances Irom rho prsyiaus billing rycls for which periodic finance charges hovo
nolbosnelreedybipod '
incraac youroAPAI up to Ulemmexlmum delnvlt eta stntod Inoiho tAeles end Foos
Table, wa reserve our right to incroese your APR in the oven! of any luture default
We may is our dn:eralion dalornuna to charge reduced defeuh rotor or ronstno
standard rates for all vr'setactsd bstancos on your aeeouat
Rnartce Cheryo Celeuletion-Two-CycleAvaraga Ooily Belsnce Method (laeludinp
New Purcheaas)tor Purchoses end Averrpa Oaily BslonN Msthad hneluding Now
eperetaly ~r shh biillance erred tod yvithceltAiierenl a port' of lronsecUons
(tar axunple, purcheeorr babnes vensfers, batenee vens(et chocks, eeeh advances,
ca sh odvance ehesks, wudrah edvenees, a nd each promotion}. Those colculadons
nteyeombi„e different categories with the same daily pertadlc rotas Thls Is how It
works:
We etiolate tlu pedoaic finance sharper for purchecos En two steps, ss lo{lavrs:
• Fitat, for eeeh day of the bAAng eycla, we mulUph! the daily batenee by the dally
periodic rate .
• Second, for each d4y~oi the Previous b11Anp ci~cla ws multiply the daily belence
!or purchesasmsdtr'lglhelbiAlnp cycle by the acme daAy periodic rate Howevoy
we do not do Udtt sdwnd step it we neeived payment in full of rho New Batante
onyour raviousbllGngstetomontbythednlosndUmethvmhtlmumpaymontwos
due or N a psdadla Rnonst shorge was alrasdy bR1od on thot belence
We eelsulata the psriodis Grlenea aha oUorlolprtahasessubject to epromotional
rata the same way, but'we nee rho p
harks,t:elshadvenees,t:nahedvencarihrcks,andwerdrehetivai-ee ,hymulUplying
the d:i1y batenee for eeeh of !hero calsporias by the dopy psrMdic rate for oath of
those caleporias, oach'day You mayluve werdraR advances anlyil youheve linked
that teeountto a cheekinp escounl whh one of our catered banks. a ealculsta the
p•3edis fmaneo charges for bolvnse trsrtslers, beianca venatar chocks, sash
edvagees, and cash odvonce chocks suhjacl Ia a promotional cola the sumo way.
but we uce Iha promalionel rata
To pot the daily belence !or Dash day for oe ch eotopory.
• We take the beginning belence lot that day.
• We odd to Ihat balehce eny~new vansatHans, lees, ether chorpea, and debit
adprstments that apply is chef category. We odd s new yorchesr, eeeh advance,
batenee lronsler ar iwardreN advance, d e pplicebla, to the daily balance os of the
vansaedon data,:ar s later data o! Dire ehoin We add r new cosh edvrnce cheek
or balance vensfer chock to the doily balance esrot the drtla_tha cash advance
shock or balance uodsbr cheek is drposilod by s payee, or a later dole ul our
choirs
• Wa suhtnct from that belence ony payments, crodlts, or credit odjustmorts that
. Wi boat aacrodit he,nnr:adec atbelanca ofaro of that dry
To ppot the beginning baleen for sash category IPr.the next day, ws odd the dsijY; _:
periodic )nente sharga to U1e dally belence It more than one de'dy periodic rats
camonM~oilits evsregi daAy bolenco, wo wRl use the dally pnrio~c rats that applies
lotthreot~or~C linencalherpa eashtdayaThlattagroamantyprovideslcfortdapy
compoundmg of fmancs charges
To pprl the toter prdodie (manta ehorge for the bAling eyclo, we add ail o(the dedy
periodk Cmenco charges tar Dash setegory for eeeh day during Uisl biginp cycto,
plustho deilypariodle Anancr charges on purehesoa, N any apply, teethe previous
billing syele Hpvrsvor. it eery portadle Ilnanet sharps is due, we wdl sharga you ~t
Isactlha adnlmum psriotAc gnenca charge staled In the Rotes end Foes Teblo II It
{s neceswry to add an additional amount to reach eha minimum Gnanea charge, wa
add that omount to the bolenco for purshrsec made durlnp the bipnp cycle
The IaUI Ilnenes charge on your account for a bAling cycto w1A ba the sum of the
pvriodie Manco shergos plus ony vsrureetlon tea ('manta eharpes.
Forascheetoptxyweeolcalsce an overapadsAybotencapnclttdnggnowvensecUons-
for rho bil~mp ccyysi~ by adding aA your daily balances end dividlnp That omount by
the number o(deys in the hlAinp cycle It a psriodis Rnenca charge for purchases
purehoses is nloutotod tha~sema way tl Y°n mtdUplV thrr °rarepe dopy oaten a for
a eategorybylhalestegoKs deih'pstiodic rats, and multipPly rho result bytho number
of drys In the biAittp rycle, the total wlA equal rho psriodrs Rnenca chergsc far that
belaaee rtvlbutable to thrtbiAinp eyele, axceptlor minor verieUons due to counting
Grace PoAod and petrool el Fneneo Chsrgoa: We accrue periodic Raenca eharpes
on s vansecUtinrter, or ~manco charge Tram the dots his oddrdtoyour dally balance
until paymom n tub It racdtred on yotrc ecevuilt Howava , wa do notchsrgo poriodle
Gnenee ehrrgrs tin new purchesrs bided during s bAling rycle it t!+o rseehre payment
~; y.,~: N:w Bolenea by the dale ant: U•n: your minimum payment is due end wo
reeoived payment of your New Belanea on your QrsvMus bA np rtatomrnt by rho
deU end Ums your payment was dtra.Thls axcepUOn or'preco period' applies only
to putchacos end dons not apply is balance Venslers, batenee uonslor chocks, cosh
edvences, cash edvonse hocks or ovordreh edvancos, it applicable
Iha am uintst lad in the Rates andFsesTah a for eachol ha IoRou+rinp uonseceons:
• ceshedvence,eh~~ctkr, ,
• eeeh sdvencos ,
,... _~ _
oytl :, m
In addition, H you use a third party service Io make a payment on your behalf and the
service charges rho poymenl Iv thk account we map charge a transecdon loo for rha
payment
These Irancaedon Loos are Onanee chnrpes Ws add lhs lea to rha balance for rha relate
eatagory as of lha uansatUan dots of the tseh edvanee for example, a trenseedon loo
for a cash odveneo would be added to your cosh odvanee balanea
Transaellve Fees (or Belonte 7rnnslors: Wa may charge you a balance lrencler lee fn
the emannt stated is the Rrtos and Fees Table for oath of rho lo8owing trensectians: r
• balenee trensiet chsckr,
• balance tronslerc.
~otagory es vI thaluottsetlivn dote of he balvn edtranslox For xomple,la Ironsacetion
tae for a balanea vanslarwould 5e added to your baienee uartsier balance
OTitER FEES AND CHARDES
Feos Ta61o These I soswill be oddsd to the baloncs forpurthaseamade dune rha billing
cycla•
Annual Membership Fse:ll your occount has an annual membership fee, hwAl be h10ad
oath year or in monthly instsUments (ac rioted in rha Rates and Foss Tablai, whether or
not you use your account snd you ogres to peyh when bRled The arutval membership
tea ra nontelundebla unless you eerily us that you wish to cloca your account within 30
days of the date we mail your bllAng sutemont on which the annuol mopdrership tae is
charged end o[thv same time, you pvy year outcundmg bolenea In IvA Your payment of
rha nnnuai membership Ise duos not aNect our dpht to clots your recount or Amil your
right to make trensoedons on your ettount ll your accourd is closed by you or us, we
will eondnue to Charge rho ennuvl mamberah(p Las unb9 you peyyouroulstendinp beiencv
in lull and terminota your seeounl relationship
Leto Foo: Ii we do not toeeiva at toast the roqubed minimum payment by Iha data end
Ume 11 Is due ns shown on your billing etatsmant for any biding eyele, we may chorga the
tote tae Chown in the Rates and Fses Tebla II the fate loo is based on o fielence, we
eutr.~latu Chu la:~ Lao :rsfng W Previous Hetenn on ohs currant month's sulomom that
shows the Ie[e Leo Thts belenco is rho tame as the New Belanes shown on the pimr
month"s statement for which we did not receive of loeri the roquirod minimum payment
by rha date snd lima it was due
Dvariimil Fset Ii your occount belonee is over your eredlt line ^t any Ume during a bitting
cycle, oven ii oedy for s Coy, wv moy charge sn ovarlimil Too Wa may charys this foe
oven it }roar baienes ie wsrthe cradM Rns boesuso of a tinsnee clutge or loo wv unposed
or a tnnsacdon we euthorixad We wi6 eat charge morn then one ovorFimh tae For any
billing cytla. But ore moy chtugo-an averlimit Las in wbsequont biB'mg cydos, even (l ne
new trensactionc ors mode an your account it your account 6elanta riAl4 over your
crvd'd Tma et em/ dms dudng rha subsequent b>dinp cycles
Aatnm PaymoeiFeo: N le) Yvan Poyment chock or similar instnanent i< not honored, ib1
en automadcdobit or other eleclroatcpaymentls reWrned unpaid, or lej we must rotWn
.a psymrntlsht, k bscnuso it fa not signed or cannot be processed. wa may charge e
relum peymvM~va.
Rotnm Cbsck Faa:tl (aity^ stop payment on a cask edvonco check or belenco uenslar
chai:k~vtyvur rvquesL w ib) wv refuse to pay a cash advance cheek or bofenre trensler
chock, we may cfiarge r -ottun chock fee -
Adminisfrotivs Feos: Ii you roqussl s copy of a bllltnp sletgmen4 sales dreh or other
record of your seeounl or N you request two or more cords or arty speclnl services ilor
exempts, obtaining Cards on an e~pedhod baslsJ, ws may cherra you lot thaw servlees
Howavoy wv VsAf not charpr you for copplea of tdllfng etetomanu, sales drabs or simAst
documetds thotyou raquscllor a bNAnp depots you may assartagalnat us undersppAeobla
Lew. Wo may ehergv, Iw arry services Gated above and otnar s>rvitas wo provide, iha
Ises tram dms to limo in effect when wa offer rha aorvix..
OEFAU17J5BLIECPON
We moy tansider youto bs M daloult it any of thaw occurs
• We da not receive at laari rho minimum amount dt,a by rha date and lime duo vs shown
on your bRAnp slrtamant
• You extend your credh line.
• You IeA to comply with the terms of this agreement or orry eoraemenl with ono of our
rotated compertiss-
• We obtain in(ormelion thoteousas us to believe thotyoumar oe unwrlfing or unoble to
pay your debts to us or to atherc on fame
• You Rle for benluuptcy
• You become incapecllstod or in the event of you: death- .
II ws consider your occount to be in delauh, the may dose your account without notice
end requrro yonto peyyour unpaid botance isnmediatolK Ws also may require you to pay
inured et the role o rave percent (Z><) a month tm rha unpaid balance when wa dam
your account to be six or more bNlbsg eyefos past due,
Tv rho extent pormittsd by Isw, if you ors In defsuh beEousa you have Tailed to pay us,
you vni11 pay our togaeUon costs, vgornoys' fans eaurt casts. and eA other expenses of
enlordnp out rights under his agreomenl
CLOSldG yDUR ACt.L`UNT
You may close your aeeount at ony time 11 you callus Io close your occount we may
require that you confirm your uqueri in writing
We moy elaev your eeeounl et ony dms or suspend ynnr erodt privAegos at any limo for
amt ressan wllhaul prior notice except as required by app8cvbls Lew. tl we close your
aeevutd. we wiA not be Nablr to you for any sonsequvncac resuhing Irom closing your
eccaurd or suspandinp your eradl prSvAvges
Ii you w wv close your accoun4 You snd ony authorized orate muri immvdlatsfy stop
unng your occount snd destroy oil cards, checks orotharrnaent to access your accound
eccaun6 even if h yperermedesorypro a7ased ehorvavr account ze losedannd youyvvi8
{ the autrivndb balance on your account aceordinp to the arms of
by roquirod tv pAY g
this agreomant In adtRdon, to rho axtont ellowod by law, wa may require you to goy the
vulslentAnp balartts lmmpdieuly or et sal' then abet your eceounlls elosad
ARBiTAATiON AGREEMENT
PLEASE READ THIS AGIiEEAl1ENT CAREFlJLLY. R PROVIDES THAT ANY DISPUTE MAY
BE RESOLVED gYIB1NDUJB ARBITftAT16N ARBITRATION REPUtCESTHE RIGHT TD GD
TO COURT. YOU- Will NOT BE ABLE TD BRING A CLASS AGTION OR OTHER
REPRESENTATIVE ACTION IN COURT SUCH A5 THAT IN THE FORM DF A PRIVATE
ARBDITAATION AASrA CLASS ACTION flR D'THER REPRESENTATiVEIACTION. YDU W0.L
N07 BE ABLET 8'S PART,DF ANY pA55 ACTION OR DTNER REPRESENTATIVE ACTION
BROUGHT BY Y;DNE ELSE, DR BE REPRESENTED IN A CLASS ACTION DR OTHER
AEPAESFMATIV;ICTIDN. INTHE ABSENCE OFTHiS ARBITRATION AGREEMENT, YDU
AND WE MAY f1THEAWI6E HAVE hAD A RiGHT DR OPPOliTUNiTY•70 BRING CLAIMS
IN A COURT„BEFORE A JUDBE OR JURY,ANOJOR TD PAFfTiCIPATE OR BE REPRE5ENTED
pJ A CASE FfLED IN COURT BY OTHERS (INCLUDING CLASS ACTtDNS AND OTHER
REPRESENTATIVE ACTIONS). O7tiER tUGHTS THAT YOU WOULD HAVE IF YDU WENT
TO A COURT, SUCH AS DISCOVERY OR THE R16HT TO APPEAL THE DECISION MAY BE
MDAELIMRED EKCEPTAS OTHERWISE PROVIDED BELOW, THOSERiGHTS ARE WAIVED
Binding Arhhradoe, Thk ptbitredonAprermerd ismade purwanlto a uansncdon imotving
Inletriau etunmgrce, end shell by govvrnod by snd ba enforceable under Iha Federal
ArbitredonAclltho FAA'L9U.SC.51-lBashmoy6oemendvd ThisArhivedonApravmsnl
tats (onhtha cirt:nmstendes snd procedures undorwhich claims (as defined bolsw-moy
bo rvsolvsd by arbluedon inriead of being Bdpated in court
PertlrsCoveretLForihaPurpasosolthisArbluelionAgreemonl'wo;'us;end'out also
lneludas ourparenL substd-tsriee, efGRatvs,Ucanseas, predaeessore,sueeessorc, assigns,
any purehsser of your AetounL snd eA.of their offieorc, directors, employees, agents,
and ass(pns or any end aA of thvm• Addidonaily,'we','us' and'vuf shall include any third
pony providing bonelits, setvlees, or produce in tonnecdon with rho Account Gntludinp
but not limbed to erndh bureaus, morchanu that eecopl any eredhdevite Iswed under
the AeeounL rowerds programs and onrolbnent svivira:, audit insuranu compcntes,
dahtco8eclorc, end allot thoiroffito-a, diraclors, empiayses, spoofs and raprasantsUvas)
if, end oMyi1, sorb o third potty is Homed byyou os a to-detondenl in any Claim you assert
ogainst us
Clelms Cvvared.. Either you or we may, without she other's consent elect mandatory,
binding erbitrodon of on~ Calm, dlspvu or convavarry br either you or us epeinri rha
other; or against rha amp oyoas, peronu, subsidisriat, eNRrstas, benegcinrfas, agents o(. .
assigns at the othvS ulafnp Imm or rolabnp in~vey wby to the Crrdmombsr Aprremrnt
anyprior CudmomberAgreamsnL your erndh ebrd Account ar the adwrdsinp, aprAcatlon
or apjiroval at year Aeevnnt ('Claird). This Arbilredon Aproemeni ptworns N Ciefms,
whether such Claims ere based on law, riatme, t:onuecL nquhUon, ord(n"see., ton,
errmrttvn Lew, eottsthudonsl provision, or any legal theory at law such as respondeat
supenoL or etryoU-erlagal or aqu'deble ground and wkvthar web Claims soak es romodiet
money demegvs, penolUes, InjuncdonS, or doderetttry ar equhable w8a1. Claims subject
ro this ArbflrebonAproemsntincludrt3aims repef~np tfi7i"oppgcobiBty d this Arbhtetian .
AgraemotttorthrvsTidityvlthletri~e,Crrdmagqddsre~rpgcwmenlararryprlorCsrdmoptber_
Aproetdoht This prhfiredon AprotrmeM ieolude: t:Isfms then vtosr u Uia pbit< of attar
in the pretartt or the itrture. As used in this Arbit»dvn ApreamorrL the term Claim is to
ho pHontke..bror,dasipossible mvanlnp.. _
Claims subject to arbitrnlion induda Claimsihel oro magi es evuntsrdaimc, tree claims,
third potty eloims, inlvrplesdero ar olhvrwfse, red s party who inhfatac a procaodlnp in
court may elect erbibedon with respect tv any Bush Cleimc advanced fn the lawsuit W
etry perry or partfss•
As an exeopdon,to this Arbiuedon Agreement, you retain rha right ro pursue in a small
cls'uas t:ourt eriy Claim Thetis within that court's jurisdcdon snd procoadc on nn Individual
basis. Lis petty rleetsto arbivete r Clalm,thv ethitredonwAlba eandueted es anindivWuol
acdon. Ncf~cr yes not we apron to any erbiUe:lon oa a :less ur rapte~stsd:. basis,
and the arbiuetor shop have nn eutharitytopraceod on suvh basis. This means that even
N e doss sedon lawsuit or ether raprasanteuvv sedon, such as That in the form of a private
s»arnvy penerol ecdvn,ls iRed, att~ Claim between us reletrd to the ksues rslaed in curb
lawsuilslwRl be subject to en indinduel arbivadon ciolm N olther you or ws so elect
No ar6lusdon viwrTl be eonsoiidoted tv[h any other arbivodon proeeedhtp without the
consem of s6 perUee Tha only pehns that may ba joined in an individual sedon under
this Arbluodon Agreement rro pl those brought by us against you and any eo•eppOunL
joint csrdmembAr, or suthorhvd user of your Accotmt or your belts or your trustee in
bankruptcy or 171 those brought by you end ony co-appRcen4 joint cerdrrtembvr, or
eulhvrirsd user of your Aecoum, or your hake or your wriee in bankruptcy epeinri uz
laldafion of AtNitretioa Tha Qerty fi8np a Clelm in erbltrodon roust choose ono of rha
foilowing two arbilredon admtnislratvrs: Amsriesn Arbluadon Assoeledarg or NeUonol
ArbltraUon Fotufn-Thsss edminisustorc oro indvpandent Irom us The adminlriretor dose
not eondud rhe;erbhredop Arbhrotkn is tronductvd under rha roles of rha selected
arlirusUon ad:trettir by on impartial third perry choeon in eecordane^ with rho rules
vl eha seigetQ . rbitrefmn adminisuetor end ss may by providrd la this Arbhtedon
Agrooment A~y vrbiuetivn hosting that you attend shag be held et a plats chosai by
rha nrbfvaur or erblusiron vdmrnisuetor rvrthln rho iedesel judicial dratrr:t In v+hich you
reside at the lime the Claim k fdrd, or et soma other plate to whleh you snd we agree in
writing You may obtain eagles of Thv current retos of essh of rho two erbiuotion
edmhdatrstors, information about arbhreUon end erbiuadon Ises, and instructions for
iniUednp vrbluedon by contocdnp the vrbfuadon edminiriretort es IoAows
Araericen Arbluodon Atsaeisttoa, 335 Madison Avonua, Roar 10, New York, NY
iD017.46D5, Web sko: ww,wadxotg • HOB-77i•7879; or
Nefiane) Arhilroliov Forum. P.O. Box W191, Minneapofis, iAN 55405, Web siu:
wuvw erbhredon-forum eom, 800.474-2371
Proeadnms and Lew appllenbir In orbitratioa. A single, nevuol arbivator will resolve
Clefrns•The erbluatorwill ofdrorbo elowyerwith a1 tenet tan years axpodsnea tv a refired
.: ^ i,iJiA i2i:
or termer judge Tha arbitration witl br conducted undor the appgcable procedures
end rules of rho erbiUatbn edminisVator that era la eileet on the date the erbilretion
is Gted unless those procedures and rules are intonstctent wdh this pr6lvation
Agreemerd, in which ease this Agreement wtll provatl These protodures and rules
may limit the amount of discovery avegablo to yov or us Tho arbitrator wiA apply
appGeebfo substsntivo taw eonsLslrnl vdth the FAA and appgcable statutes of
fimitadons, and will honer claims oI privilege recogrWted al law You may choose to
Nava a hoerinp end be represemed by counsel Tha arbivotw virittake reasonrblo
slaps to protect customer Account inlormatton end arbor conlidontial inlormo4on,
Intruding the use of protsetiva orders to ptohibk disclosure outside rho erbilrotion,
ii requested to do so byyou or us. Tha erbhretorwitl have the power to award to e
party any damages or arbor ratlel provided for undor oppficoble law. and tnrAl not
hove the power to award rrGol lo, against. or br the benefit of any parson who is
not a perty,to the proeeodnp tl rho law ruthootrs such rrgel, the arbivetar may
award pumtive damages or enoroay leas Tho arbiVator wiU make erry rwa-d in
writing but nood not ou ordus, thatorbitretorrwll previdooesbeel stalrmont oletha
Upon a requosi by y
reaGana iDf lha 8wrnl.
Costs. We wlU ralmbursa you for rho irddrl arbivathm AUng Ire gold 6t' u up to Iho
amount of 55DD upon rouipl of proof of psymonLAdditlonatlt~ U there is a hearing,
oar will pay any teas o! the rrbhralor end rrbliration edministretor for Iho luri two
days of that hoerinp• The prymern of any such herring toes by us wUl ba made
directly to the arbhragon administrator selected byyov or us pursuant to this
ha arbiVatton adminlavatath nil epppcoble Itw How~ova~we will) silo neesor
reimburse filing loos end other leas it the srbhradon administrator of erbitretor
delerminas Urere is good rersoe for raqutrinp us to do so or you ask ur and wa
dotormim than is goad cruse lot doing co Eech pent' wtA bear the expense of iho
fees and tests of thrt prrty'c attorneys, coatis faro bitration and errysapppesi~as
expanses, rogardlacs of which party pr ~ i rn o Acablr few In
permitted belowj, except that the erbhralor shaA rpp y Y PP
detennininp whether a pony should recover arty or rtl leas rod cods Irom ;,nether
party.
Enfarramanl finality, opporlc Failure or any delay in onlorcing This Arhkrolian
Apraemem a1 any time, or in eonnacGon with any panieular Claims, will oat eonsliwlo
a waiver of any rlgMc la require arbitrolion et a later thne or In connaclion with any
other Claims Any decision rendered in sash arbhrelion procreding Ndil ba final end
broiling on thr pertiac, unless a perry epperis in writbrg to t>ie artinretion orgonizo6on
within 30 days of 3ssveneo of the award The appeal mull request a new erblrrapon
before r penal of rave naWa) attidrators deaigoatad-by the-same arbitration
orpanheGon. The pane) writ reconsbivr eU lectors rod legal secure rnaw, lohow iha
soma ruins that eppirr to a proeradarg using a single rrbitreta4 end make daeisione
based on the you ot, the majority Each petty wiU bear their own toes, costs and
expenses lot orry appeal but a Parry mayreedvararty or aU loss; toots and expenros
from another patsy, if the me sty of the penal of erbfuttorc, spplyieg appgcable
taw, so drlerminos'An award in erbhroUon wGl ba elrtorcpabla es provided by the
FAA or other eppGtoble low by any coon having judsdlidan ' - -
SaverabRfq, survivo4 This Arbivadon Agreanenl shell survive: fi} tonnineUon or
changes in the CrrdmomberAgraamen6 the Actotmt antt.lh~1191etionthip hptwean
you and us eontarrdng the AeeouM, such es rho tssuirig oTa now teEounl number
or rho translercinp of lh® balento In rho Account to onolhero onuourbauh ih,
bankrupicyolenypeAyarenyslmiisrproceadinpinhiatedbyyou y
and 1 tr payment of the debt kr 1uU by you ar bf a third pony 11 any portion of this
ArbiVation Aproamenl is deamrd invrGd of unvnlorcrable, Iho remaining pentane
shall nevertbetssa remain in force
CHpN6E5 TD TH1S AGREEMENT
We cart ehanpr this egnemard of ony tbne, regardless vl whether you taut. nr.cess
to your acconn6 by adding, delednp, ar modilyirrp any provision Dur dgM to add,
delete, ar modify protrlsfons includes gnaneieltrrtns, such rs the APRs end leas,
and other grins ruch re the naturr, axirrrt, end onfarcement of the rights and
obGgaUOns you or we meqq haw robl'mg to this rgraement ModiAcetions, eddi6ons,
or drlabons sn cegad'Chenpes' ore'Chonpe'
be oHeetive~vvh unatlt:. only, st Iho tgimo Ui d io our nobce, in aecordrnea whh
appfieoble law Unlesc we state olhetwisa, any Change will apply to the unpaid
6nlencee on your account end to new Vansgettans
the tonsrqunn es if you do °r da not eaoraeisa Ihoso rlghtspFar axemyfehthe notlas
mot' rielr thdt you may nobly us in wridng by a speciAad dart It you do not want to
accept teriein Chrngos we era metdnp II yoenodfy uc in tvrAinp that you do not
eeeaptthe Chanpee,youreeeauntmeybaclosed (Gilts not already closed) andyou
wiU be obApstod to payyour oulstending balance under the rpplicabie terms of the
nproemenl If You do not notify us in wrong by the dare rietod in the nodce. or it you
notrfy us but then use Your account abet Iho date stated in the notice. you will be
,:.rt,,.tr: In accept ell Chanpss In I`•o ntt:ce rndto atcapt and tonflrm all rants c:
your epreamenl end oli Changes In prior notices wr hove sent you ragerdtess of
whether you fieva eecaes ro your account
CRED17 WFDRMATION
Wo may perioditapy raviewyour credit hirioryby obtaining inlormotion Irom credit
buraaustnd otherr
Wa mayreport informoGon about you end your account to credit bureaus, including
your (adore to pay on account inlorma ton n you name es well ns In rho narnostoi
athers,we may rap
Lhasa other aeopto
ii you think we have. rpponad }nacturate Information to a credit bureau, you may
wnu to us of th1 C Inambef 5orvrce address listed on your biA'mp stetomenL
Ptrasa include gaur~eme, addr'nss, account number, tefephona nrunberand a brief
dascriplion o! the probt~ pm~ !f +vaikble, please provide a copy of rho credit bureau
ropon is question W.aq tirrl<promDilY invrstigata the molter end,il our imrosllgeUOn
shows that you ate rigfit, we will aantoct each credit bureau to which wa roponad
rho inlormatioe and wiq request they torte et lho report I(we disagree wilhyou ahrr
our invaslipetion, we wiA loU you in writing or by telephano Wo uvrU also nobly Iho
credit bureau thatyou dispute rho Information unless you tat us know that you no
longer: dispute iho }nfaymetion
NDTiCE5/GRANGE DF+PEg50NALINFORMATIDN
Wo wltlsend cards, W1Gn stetomaau end other notices to you aI the address shown
in our Alas. 0 , if this i3 a~oinl recount, we tan send billing stetoments and notices
to ony jotnl account holder. Nadee to ono ul you wRl br considered notice rn eU of
you end all al you wtll romafa oblrpetad on rho account
!!you thanpe your name, address, or home, cellular or business tnlopfiono number
or amaA address (rl yoe olrtl to receive bAlinp statements ar arbor notices online},
you must noiliy us Immedlataly in wridnp at rho address shown on your billing
rialamont. We may, d. onr option, atcapt moHing address corncilons Tram the
United States Postal Serviao jNo may contact you about your account fneludinp
lot customer service w eogrclton, rt any address or lebphone number ec wall es
any eoquhr talaphontnumbrryon provide us.
7ELEPIiONE MDNITOBBVG AND RECORDING
We, roil t1 eppGeshla, ouragents, may listen to end record your lalephone cells with
us. You spree thetwo, and it appgcable, our spools, may do sa, whether you or wo
iniGetelhetelephona cell
INFDRMATION SHARING
You euthariza us to shore crneln iniormalion eboutyou end your eccounlwilhfn our
famBy of tomprnios, and with others outside our lsmRy of companies inctudinp any
comprny or orge nitotion whose nomr ar mark may appear on tiro cards, as porminad
by few. Dut P~Mreuy Polrey, which k ptvtidcd t. you tvhra yov first rec!ive on
agrarmonf and alhastonco oath crlanderyearthoreetter,,describes ourlnlomtedon
sharing pneQese end Iho thalces you hove and dheetions you may pivo us about
our sharing of intormadon about you and your account with companies or
orgeniteUons within and outside of our family of eompaniee
ILLINOIS CARDMEMBERS
IUlnalc law prbvide: thrt wr rrwY not short in7ormndon about you witk tomponlos
or other orpanizeurns ouLSide of our family oI companies unless you tuthorite rho
disclosure. or iytkss Iho discosure Iolts undor another oxerpdan In the law Isueh
es sharing inlbtmnUoa to pracass your lrensactians or in response fa a cubpoonrj.
You horrhy rpree thel,Nyou choose noire axertise the eppgce6le oplout dastribrd
in our Privacy PaUcy,youwtll ba darmed to have suthoritod us to share parsonol
inlormatian wr have about you fincloding intorma4on related to any of rho products
~o[ ce[vir:es you mayhavawith airy of aul compeniasj with companies m other
crpenlzrlrpttEOUts a of our tamBy of componies
fNF.~RCING7itIS' .. .. = F ._ .
We ten deleyan~ore~or riot enlorta arty of our rights underthisagraemsntwithoul
losing our right to enlorta sham in Iho Itnuta. ii any of the terms of this agreement
ere found to be uttenlorceeble, ail other terms will romein in IuR lone
ASSIGNMENT
We may assign your account, any emourris•you owe ns, or any of our rights end
obGgrdons under This agreement to r third party The parson w whom wr make the
eselgnment wm be elnuUod to any of our rights Ihat we assign 1o that person
GDVERNtNG LAW
THETERMSANDENFDACEMENi OFTHIS AGREEMENTAND YOUR ACCDUNiSHALL
DE GDVERN°D /:idD INTfP.PRETEC IN ACCOADfi.!L'E .Y1Tl I ICDERAI. U'!y nliJ, TD
THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD
YDURACCDUNTAIBEYLyDCATEO,WILLAPPLY~ OMADTTERtNHERE OULIV ORUSE
THEACCauNr. ,.
FDRIiiFORAAAi'IDN' +•:
Ploese aril Iho to , ember 5ervlco totephone number on your card or blUinp
riatanentif you Ae qutrGons rbout your account or this epreomnnt
YOUR BILLING Rib
KoapTbisNotke FatF~tiurr Use
ThB notce eonttilns imponrntfilormation rboul your rights and our rosponslbghlos
under Iho Falr Crrdtl Billing Acl
Notify Us In Cere Dt Ertors Dr Duestions About Your BIII
Il you think your bRt Is wrong, or ii yov nood more iniormoriort shoot a uansection
on yourbiU, write us on r soporeto shoat et Ute Cordmembar 5ervica address shown
on your hiUhtp stetemonl Write to us es soon ns possible We must hear Irom you
no later then 6D days alter we sent you the first bRl on which rho error or problem
.np;.tr•d '.,,d _~n tclephor.! u_. b!4rloiny sr: wD' not praserva your rights
In your totter, pivo us the toAowinp inlormetion:
• Yout name end account number
• Tho dollar amount of thr suspected error
• Describe Iho error and rxploln, it you ton, why You boGeve Ihore is on error Ii you
nood more inlormetion, describe lha Irom you ore not aura about
If you hwe aethorhod us to goy your credit c aril bRl eutomspcetly Irom your savings
or checking accountyou ca$ stop the payment on arty amount you think is wrong
To slap the payment your lattAt must roach us et [east three business days bolore
the eutomalic payment b scheduled to occur.
Your Rlghls And Our RraponsibTiltiee Aber Wr Re calve Yaur Wrinea Notice
!•a gs + nl t
tat'
We mull eeknawiadg+yourletter wrthln JD days, unlesr wo have corrected the snot by
then Within 90 drys. ws must aithor correct the error ar oxplein why we begavo the 6111
r was correct uoslion, of roport
After wo rscoivo your letter, we cannot try to eog+ct any amount you q
you as delinquent We con Conti ~u eno onl aid +m taunt against yore Qerodit Itnon You do
6nonce charges, end vra can app y Y P
obgpeled to pay tho peAs olyour bDl that aril not nequasdon slrpeling, but you ore stiD
rafetednto any qtr sionadiemount II wa didn't mekeoehmislako yav mny hove to pay
finance charges, and you wgl hove to make up any missed p+yments on Ih+ quastionod
amount !n aidrer case, wo v6g send you o slat+m+nt of the amount you owe and the dots
dretitls due u es delinquent
If you la1 to pay rho amount that we think you owe, we may report yo
Hawavar,ilourezplartedondoo~e muststap anyono wo rropo~t you o thatyou havani
us that you still rofuse to peY,
question about your bill And, wo must tag you the name of anyone we repotted you to
We musttag anyone we roport you to that Iha molter has boon aetded botwaen us when
it (inagy is
It true don'tlogowthos~ rubs, w+ e¢n'teoliotl the Iirs155D DD of Iha quostlonad amount,
oven it your biD was eorroet.
Spacial pules tar Crsdh C+rd Purch+sos
It you have a problem with thr quality of property or services that you purchased with +
credit card, and you hevo triad in good laith w correct the problem with the m+rchan4
you may have Iha right not to pay tha remaining amount due an the property or corvicos
This right dots not apply to chock uancattians Thoro era two pmitauons on this right
(e) You must have mode the purchase in yourhome stare or, i1 not within yourhome slate,
within lOD miles o1 your currant matgng +ddrocc,+nd
[b) Tha porch+so price muri hove bean more than SSD.DD.
edvardr;em nt lordthe propoirrylor sorvico; apor+la the merclroni, or if we molted you the
Copyright OZDD6 JPMorgan Chase & Co AD rights reserved
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VERIFICATION
The undersigned does hereby verify subject to the penaltie of 18 PA.C.S. §4904 relating
to unsworn falsifications to authorities, tha ~1 /she is _ ~ if
(Name)
~~ / N iL ~ /1 of / ~ ,plaintiff herein, that
( 'tle) (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, information and belief.
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O
SHERIFF'S RETURN - REGULAR
CASE NO: 2007-04175 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CHASE BANK USA NA
VS
HELLMAN VIRGINIA
ROBERT BITNER
Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
HELLMAN VIRGINIA
DEFENDANT
the
at 1055:00 HOURS, on the 19th day of July 2007
at 4197 NANTUCKET DRIVE
MECHANICSBURG, PA 17050
VIRGINIA HELLMAN
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:
Docketing 18.00
Service 12.48
Affidavit .00
Surcharge 10.00
.00
g)14~~.T ~} 40.48
Sworn and Subscibed to
before me this day
of ,
So Answers:
.~E~
R. Thomas Kline
07/20/2007
WELTMAN WEIN/BE~R)G REIS
Deputy S~ ri f
A.D.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
VIRGINIA HELLMAN
Defendant
No. 07-4175-CIVIL TERM
PRAECIPE FOR DEFAULT JUDGMENT
FILED ON BEHALF OF
Alaintiff
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
W W R#05999221
Judgment Amount $ 11,024.15
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 DNISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No. 07-4175-CIVIL TERM
V[RGINIA HELLMAN
Defendant
TO THE PROTHONOTARY:
PRAECIPE FOR DEFAULT JUDGMENT
Kindly enter Judgment against the Defendant, VIRGINIA HELLMAN above named, in the default of an
Answer, in the amount of $11.,024.15 computed as follows:
Amount claimed in Complaint $11,024.1.5
Interest from date of judgment
at the legal interest rate of 6% per annum
Attorney's fees $1,500.00
TOTAL $11,024.15
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: V - r
WILLIAM T. MOLC 'AN, 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#05999221
Plaintiff s address is:
c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7`h Avenue, Pittsburgh, PA 15219
And that the last known address of the Defendant is: 4197 NANTUCKET DRIVE, MECHANICSBURG, PA 17050
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY,, PENNSYLVANIA.
CIVIL DIVISION
CHASE BANK USA, N.A. //~~ ~I
Plaintiff Case # lJ~ ~ ~I~5--C1 VIL7~(~
VIRGINIA HELLMAN
Defendant(s)
IMPORTANT NOTICE
TO: VIRGINIA HELLMAN
4197 NANTUCKET DR
MECHANICSBURG,PA 17050
Date of Notice: ~~~ V~
WWR#: 05999221
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 TH:CS 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
CHASE BANK USA, N.A.
Plaintiff
vs.
VIRGINIA HELLMAN
Case no: 07-4175-CIVIL TERM
NON-MILITARY AFFIllAVIT
Defendant
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, VIRGINIA
HELLMAN 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, VIRGINIA HELLMAN is not in the military service.
Further Affiant sayeth naught.
AFFIANT ~~
SWORN TO AND SUBSCRIBED in my presence this ~_ day
~.
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This law firm is a debt collector attempting to collect this debt for out ~"l~nt and any information 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
SEP-20-2007 07:52:18
`~~. Last Name First/Middle Begin Date Active Duty Status Service/Agency
HELLMAN VIRGINIA 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 Centel, 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.
1~he 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 persort 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 t:he
Military Service SCRA points-of-contact.
See: http;//www.defenselink.mil/faq/pis/PC09SLDR,htm1
WARNING: This certificate was provided based on a name and Social Security number (SSN) provided
https://www.dmdc.osd.mil/scralowa/scra.prc_Select 9/20/2007
Request for Military Status
Pag~° 2 of 2
by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided.
Report ID: ODESIANWDZ
https://www.dmdc.osd.mil/scra/owa/scra.prc_Select 9/20/2007
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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. 07-4175-CIVIL TERM
VIRGINIA HELLMAN
Defendant
NOTICE OF JUDGMENT OR ORDER
TO: ( )Plaintiff
(xx) Defendant
( )Garnishee
You are hereby notified that the following
Order or Jud ment was entered against you
on ']
(xx) Assumpsit Judgment in the amount
of $11,024.15 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:
PR ONOTARY (OR DEP Y+p~~3
V1RIGNIA HELLMAN
4197 NANTUCKET DRIVE
MECHANICSBURG, PA 17050
Plaintiffs address is:
c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7t~' 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.
VIRIGINIA HELLMAN
Defendant
No. 07-4175-CIVIL TERM
PRAECIPE FOR SATISFACTION OF
JUDGMENT
FILED ON F3EHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C V'~/armbrodt, Esquire
PA I.D #42F24
WELTMAN, WEINBERG & REIS CO., L.P.A.
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, I'A 15219
(412) 434-7955
WWR#05~s9221
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No. 07-4175-CIVIL TERM
VIRIGINIA HELLMAN
Defendant
PRAECIPE FOR SATISFACTION OF JUDGMENT
At the request of the undersigned attorneys for the Plaintiff, you are directed fie satisfy the above-captioned
Judgment.
WELTMAN, WEINBERG & R.EIS CO., L.P.A.
gy: ~
James C 1/~"~ r brodt, Esquire
PA I . D #4 52
WELTM N; INBERG & REIS CO., L.P.A.
2718 K per Building
436 Se ent! Avenue
Pittsb gh , A 15219
(412) 3 -~''~55
WWR #05x39221
Sworn to and subscribg~ r---
before me this _~~
day ne, 08
N R BLIC
COMMONWEALTH OF PENNSYLVANIA
Nofarla4 Seel
Jennifer M. Borowski, Notary Public
City d PflbMYyh, Aueptisrry CourNy
My ConMrrtelon Feb. 22, 2012
Member. Penntylvanla Aeeodatlon of Notaries
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