HomeMy WebLinkAbout07-4179
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
AMY NIELSEN
Defendant
No : ~~ - ~1 ` l.. lU l 1.~~~
~ ~- l.,
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
06020845 C J Pit SJS
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
AMY NIELSEN
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:
AMY NIELSEN
1109 YVERDON DR APT C8
CAMP HILL, PA 17011
3. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number 5401683023614271
4. Defendant made use of said credit card and has a current balance
due of $6903.37 .
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 $1000.00
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 AMY NIELSEN INDIVIDUALLY in the amount of
$6903.37 with continuing finance charges thereon at the rate of 6.000
per annum from June 27, 2007 plus costs.
James C. a brodt,42524
WELTMAN, E BERG & REIS CO., L.P.A.
436 Sev th venue, Suite 2718
06020845 C J Pit SJS Pittsbu gh, A 15219
(412) 34-79 5
FAX: 4 2-338-7130
This law firm is a debt collector attemp ing t collect this debt for
our client and any information obtained ill e used for that purpose.
Page 1 of 2
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Statement for axount number: 5401 8830 2381 4271
New Balance Payment Dw Date Past Due Amount Minimum Payment
$6.903.37 04/22/07 $1,2110.00 $2.447.37
~ Make your aback p Wle to CDw Cartl 6enlcea.
Amount Enclosed I $ I New aodrees a s PrM on Deck.
5401683023614271002447370069033700f]OOf72
CHASE Q~
ewes eocioero~D I rrJIldrJrdrLJrriL,JJrrrrllrLlrrrlirrlJrrrlLrllrrl
AMY NIELSEN
1109 YVERDON DR APT CB
CARDMEMBER SERVICE
CAMP HILL PA 17011-1266 PO BO% 15153
IrrJIlrrJllrr,rrrllrrrllrrrllrrl,ll„IrrII,,,,ILlrrlrrrldl WILMINGTON DE 19608-5163
1:5000 L60 28t: 20930 236 i4 271811'
Opening/Closing Date: 03701/07 - 03/2fl707 CUSTOMER SERVICE
t P ~
e meet Dw
CHASE O Min,m m $2 ~
37 E~nol i-806-448.3308
roD 1-fioo-9s5-eo6a
Psy by phone 1.800.436.7958
Outside U.S. call collect
1-302.594-8200
MASTERCARD ACCOUNT SUMMARY Account Number: soot 6630 z3st 4zn
ACCOUNT INQUIRIES
Previow Balance $6,708.17 Torel Credit Une ~~~ P.O. Box 15296
Pumhaees, Caeh, Debits +$39.00 Available Credit ~ Wilmington, DE 19850-5298
Finance Charges +$16820 Cash Access Una $1.200
New Balance 80337 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington. DE 19868-5153
VISR US AT:
~•-•~ chase coMcrediLards
A late fee is reflected on this Dillirg statement. Vour minimum payment reflects 1 % of your
statement baance, plus arty peebdw amount, blued Interest, and the billed kte fee.
It's not too kte to rerrdve the outstanding balance on your credit wrd account We have a
vadety of payment options that may be right Mr you. Call 1-888-792-7547 (colect
1.302-694.8200)loday.
TRANSACTIONS
Trans Amount
Date Relevance Number Memhant Name or Transaction peecdpflon Credit Debit
03125 LATE E '~
FINANCE CHARGES
Finance Charge
Dally PedodE Rate Correap. Averege Dairy Balance Due To Treneaclbn Axumukted FINANCE
Category 28 days n gcle APR Perbdic Rate Fee Fin Charge CHARGES
Purchases V .08217°/ 29.99°/ $810.80 $18.86 $0.00 $0.00 $18.88
Caeh advances V .08217% 29.99°/, $0.00 $0.00 $0.00 $0'00 $0'00
Balance transfer V .08217°/ 29.99°/ $8,977.87 $137.64 $0.00 $0.00 $197.66
Total finance charges
$156.20
EReeBve Annual Percenfye Rele (APR): 29.88%
Please see Inlormakan About Vour Acccunl section for balance computaticn meUrod, grace period, and other important infonnel'an.
The Correapatdirg APR ie the rate of interest you pay when you carry a balanoa on any transaction category.
The EflecBve APR represents your total flnence charges -including transacton fees
such ae cash advance and balance lreneter tees -expressed as a percentage.
IMPORTANT NEWS
NOTICE: We are repledng ore Two-cycle Average Deily Balance
Method (compute interest on previous and current gcle
purchase balances) with fire Average Daily Balance including
new pumhaaea Method (pumhaees dairy balance times
purchaeea daily rate each day only In the current cycle).
This Statement is a Facsimile -Not an original
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EXHIBIT
5/29/2007
Page 2 of 2
Address Change Request
Please provide inlormeGOn bekYw only if the address information on front ie incorrect.
Street Addreea: -------------------
clfy: -----------------
sfaLe: --
Zip: -_--_ -__
Home Phone: --- --- -
Work Phone: --- --- -
E-mall Address: -.------
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CMA12675
Gardrr~ember A+greernen~
ACCEPTANCE OFTIf15 A6AEEMENT reament
This apraementgovarnsY"urcraditcerdaccounu ~c~ountiscove dnbylhhogdcsr ar
contrininp the cord (or this account. Any use of yo
Pleesa road the entire agreement and keep it for your retords' You enthorfxa us o pe
sacdoas mado on your occount You promiss to
tar and charge yow accounttot ag tren
pa usforaAVanssttionsmadaonyoureccoum.uwagasertylaasorAna"ca orgos
If this is a Joint account aoeh of you, together an cold wte of K lu nsponsibla for Paying
elf amounts owed, eves tl the aeeount Is used by Y ~ ur osa, even tl
Please sign the back of pour crodit card w~ usao our eceount for s^~~' p bPn~ by rhrs
a grnement if you or arryats authorized by Y ur accourd oreat you tom bs bound by this
you don't sign your card' yygaUtsr you ass Y" , ur card end
e grsement unless you cancel your accountwtlldn 10 days alter rocahdtt9 Y"
you have not used ytnu recount tar arty purpose
Dots moan aG
'throughout title egraemant die WO~s •WO •'as and'out` mean Chase Hank USA,
the issuer o(your crodd srrd sin whh this egresmsny,intludiegthe pus nwho applied
persons taspotvnbH im DOarsowir to whom vve sddnss W'Itinp staumeats, as wag es tnY' '
for the eccoun[ and the p emJt ou
person who egroes to eegsocd a:teecvvnt nvmbers.othelewa have issued W pore ears '
cr ether access devk s,
to obtain cndh underthis agreement
USING YOUfl ACCOUNT !amity or
YovraccotmtkasasoUnl~isrswaagreeorhisragtrlradWlaw,wawigpnm6erespans la
household pare urchosed or loasod through use sl pour eccoun! YaU
for merchand'tsa or services p le,intemet
promise >p use yaw a el in soma pletesll isnnot nurlrenp nsibilfN to make sera chat you
gambgng meybo igep ermissible transa=Govt. and you wig remain rasponsibla for
us" yow atcoonl only for p
F:Ying !ar a van=action oven it ft is not parmisstblo
TypasatTransadian. "err:erdtopsytortjoatl'snrserartss~_
• Putcboser.Youmayusey
- Cheeks Wo may provide you cash advance cheeks m balance vensfer checks os a
way tousayouraccaenti fplsoodsarservi ors,ttaitreaslerbaencastayouraccount,
Yau may use a ehsek m P Y g ou me not us" !bass chocks t° uetuinies I OniY rho
or for other uses wa aflaw Bel Y y of ovfreletad comp
this account from other attounts with vs or any
person whoes name is printed on the chock may sign 1ha check Cash advents cheeks
era Vest+d es cosh edvaness and balance Vansfsr checks are lruiu~~y Venl
V ansfers except az notod in this agreement or ony offorwe make to yo
ha wat~a9 convelnlueca rchecks and Utetwa indicaud uu you eto ease ~e [to the terms
(or cash advnncas, may ba trseud es cash advances end asssssod rash advaoco rotes
and teas
- cradA t:ari»ursusrs m ottterlanders fo this asetrnrrtl• ar other=~ienca tnlrssferswa allow
Bvtyou n oy not IneMfs uii portion olre roquastad bat rtes banstertwlt sxcoad yon
of our related camp tae ma rocess a partial balense vonstor up to your evailablo
available trcdt Gna. Y P
cndR fin•
- Cash Advances: Yon may use your card la gal cash Iron ouumotic tetler meclunss, or
from Rnancial irtso~WtionWire trensia shot slrintar coslt•fika charges, or o obtain foOary
curtuncy.monay ors or for simiar batting vansocirons You
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m ttds account
. pvardrvlt Advances: fl you have on eggibl`ho kmg account vrrth our rotated bank to
banks. yav mey link tkis account t" Y°U outtt under rho tarns of this opreamant end
crrver on overdrofl on that checking
your checking account agraomant
8f111np tyeia:ln otdortomenape your eccounl,wed'rvide timefMo periods caged'bitfmg
cycles-. EachbfllingcycleisaPProximatelyonemonthinlonglh Foreochcslondetmoitlh,
yaw account wig haw a bAling ryde that ends }n that month Your actount wdl have a
bilfnp cycle andbrg in Beth colander month whether or not then h o bDlln9 statement
lotthatbglm9 Cycle
Authodzad Users II you eAow someone to use your eecounC that person wi!1 s an
authorized osec You should think caretuGy before egowin4 "ityone tv become sn
authorized user because YYoo ate ogawing ~thhat parson to use !ha eeeount es you can
You will romein rospoasNrle for the use of yonr account and each card issonsibif Y tar
account atcording u the arms of this agroument This includes yew rose K
paying aA ehetgas o" your ottount meda by ae^ auu ~1ed°~~r a" y°W etrovnr Ii you
Yay may rgquest en addnianal card Ito use by
do s°, this etc a,nl may apPve• on lha anon report of that nuthorize% ter
you notifyusiwa maycla~sa rho account endlwissue a newicaird w lards oyoitiiae d Ileianl
aeeountnumbec You sbould also recover Doti destroy arty cards, checkc or any other
means of stases to your eeeounl Iron the! avhorzed user also telex t" the
Frsdil Riau: Ywt ctedit6ne appee rs on Your bggnq ztetomottts We may
°nrolynpcnfojto!yWynnUtenddfinamaybiouse i rebshedvga ests.Lashadvontosindvding
cash advance checks, era charged against Iha cash advents pvman vl year Credit goo,
and ag other venset:6ona are chorgad against your credit Gns. Yov ors rospansibta for
keeping track of your aecourtt belanee, inetuding erry ions and Gnanea eherpea. and
making sure It remalnt helpwh8ure r our an ovelr(imlt f oa es described in dtLsrag omentt
Gne for arty reason,wo may g Y
We may,butoratrolreq°vlrcdsdkfino~andyourmus payyges mmediatolyiirtwaeskaY uto
P+Y e"y °mO°~' ova Y bslonca over your cradh Gna
This epraamenl appliasu any
At ow drecretion,wa'mayincraess, cadets, of cancel your creditgne, or the cash advance
portion of your uadit gne, of any tins Howevati it you have asked us not to do se, we
wignotlncreesayawcraditlina AchangetoyourcredhimrvnTlnotefiectyourobtipeiwn
m psy us ensac0on Chet you
Intoraelional 7laasectiaaa: lnlornadonnl vensacllons iacluda arty v Vica
make 1n a loreign cPtnncY or that you moke outside of the United Sutos al Amarlcs even
J it is meda et U S dopers 11 you make a lrensrcdon N a lonipn cutranry,
Inuernadou~ny ~ raspsctfve currency conversion p °edurtts The azahenpo ntta a eh
daMors by
endry aces lv eonvor! eartoory is a me that it selactsgeebla ppoctsssinp tide lwhlch
evefloble In the wholesale curranty markets inr the app
nta may very k'om the roe the raspactivo entity itseA ncemsl, or the
povafnmsnt=m"ndetsd nta in spsct ontha rppgcshle processing dsu The role in atlacl
or eteoutttcVNa tateNS dreg phi fro ehairgarlyoa en eddlUonal thnaepoarcant p J of the
US doparsmamtols"Yiwmedonettrsnseedan,whsthrrthatvenascfionwesoriplnaGY
made in U•S, dolerc or wac meda in eaothor surrenaY and convened W U.S. dollars by
tfisa or MasterCard In aiU10mo ~ma pro ace end cltergea may epptY il•aoyintem d nal
prwldadto ushytfiatenuty
transecBon is reversed
AeluseltoAutir"rirnTraDl~tstoil°wingte sons:anoltequitedl",dscfineauansestion
onyouraceaontforany
• because of gparational cansidantions,
• beesusayouraecountlslnde1au11,
. it wa suspect trnudulont or untswful nctivrty ar,
• in :~~ dK:cellos !o: cry other rsrsnn.
Wa era trot responsible for any losses !!even it sou have stilfirio t eredil av,l 61ad !or
ony rsasan, either by us or a third parry. Y
rulhorizetlon syst m that we selectrWe wn11 notify youril we went You to repfstettrl! You
da not rep'talerwa maY dacGne your Dolma trensections
Aelusal to Pay Cbsc!rr. Eeth chalk you writs is yov~ request for lends. When ova receive
s chock tot payment, w" maY revues your ecaount to decide whether to authorize That
chet:k We m+i%but areexemp~erad w. reject and rerun unpaid a check for arty reason,
Ineludmg the ioGowrn4
Wa or arts otour ralatod companies is the payee on the cheek
YovrereditGne orcash advance portion of your creditflno has been oxcaeded, wwould
6e azceaded rf we paid rho check
• 'the cheekisposl-dated It a pest••datunsfbb k is geld, rasuhing ~ another check being
r¢tumsd or ngt'DDas~rwck h hre date speeifiad on it -
- You have usrd rho ha
• You era in deleuh of would be Ii Wa peW the cheek.
Last of Stolen fF4e'ds• Cbaeks or Accannl Nvmbar>~ If any card, cheek aeeouninumber
may use them withoulcyour permissiontiyos mtrstlnotify vsaationcaby tatgnp the
Cerdmombsr Service telephone rrosberan H yaurteed, she k a=~aunt^°rnberarDathar
ass pour eacautd after you notgy Doti ur
means to aeeess War eeeountkus of am Wert ~ hW unauUtorrt d use related to Your
cnditptivilapeswhenyounodfy Y
ecsoUnL ,...r n r
Ymi mot ha irrµDU ~ n~~ be lfot~!g to more than S50DD of cueh transelcU'oia'and you
no benefit, butt
wpl not be Gable for any such Vansestions meda slier you notify us of the loss, the or
uneuthorasd ass-However, you must identGy for vs the arts ulhorited charges from whleh
you received no benefit
Wet°eyroquirayovtoptovidaeesa~~ ~y°cnainpoeaduPesnnconnectionewithnour
Wa may also squire Y
lnyosGgstion.
PAYMENTS
Payment insuuctianr. Your billing slalement end eccompenyytog envalopa inc u a
insp•uctlont you must IoGaw tot making payments end eels lonh the dsu end lime by
which wa must raceira the payment
Yov agree to pop us emtnrnts you owe in U S dogors drown on funds on deposit in a U S,
gnanciel btslRubon or the U S. branch of a loraign gnoncial institution usin ~a fnyme,e
check,monayardarorautomaticdobilteetwrli~BYour total eveleb escredtyt may oat br
InsdWUan. VYe m 5 do a abet wosracaive your payment
restored for up Ys
Any Payment ehaek w other {a„n •tl nn;menl which yo: send to rrs 1. • 1.u then the Ivl
n etanee tna[ is marked ~eeid in loll or tvdh a similar noteuon or ~musl be sent Deus nl thr
In lap seilstsedon of t dieptdsd amount Icondit;onel stitemant Wa reserve eA our right
eandidanet payments eddrecs Gstod on your monthly
ragardinp such porments For example, fl it is determined there is no vagd dispute or
any such peymontts reeeWed at arty other address we may accept the payment a Poi br
volt! svTl owe e u not caiching!tt nr by dosvoying it All other PeYm nts Wo<Y° mak
reWrning R m Y" , ant addresc shown an your monthly stelemants
should be sent to rho rapulsr peym
YVe reserve the right to elosvonicalty cogect your slipblo payment thscks, e1 gr:
presontmsntsnd any representmem. hem the bank etcount on which the chactls dravw
Our roeeipt of Your payment chocks is yew suthadradon for us to eaflectthe emoani t
EXHIBIT
7
the check olocuonicatly, o , it needed, by a drab drawn apoinst the bank account
Payment cheekcwGlbe eoilocted elscuantcally bysending the cheek amount along
i with the check, routing and accounwe ratable your pboymsnt The on g n 1 peym t t
ba debited es early estha same day
check wUl 6a dssuoyod and en image wiilbe meinte'tned m a ~~~ due, es shown
Minimum Poymont You opreo t goy at leesi rho mirdmum p Y maul is duo
an your biU'mp statamanL so that Ws rsceive~ db~l nod may poY the lutl amount You
You may pay more then the minimum peym
owe us e[ any time. ll you hove s bet in finance tbsrglesbecausa linonce thergos
sooneryoupayus,thelaseyouwUlp y
accrue on your balance eoch day beience Itha
Your billing ststsment shows your bspinrting beience and your ending
'New 9atance nl duorvaiUlbi ho Now B IencaNDtherwlsa,it wr7l begihalargest of
minimum p°Yare
tot I bUlsdr p dodie~re t~ 6nanee ohargas, end o Y bUled lot andto edimitBoosn As
pert of the minimum paymom due,wri also add any amount past due and ony omounl
over your crodiUMs mono
payment AUocation:You ogres Ihnl ws are authtiri:sd to allocate your PeY
end erodtts in s way p~fs i mantaaandlersdils to balonoes with iowror APAa (such
euthodto us to opp Y P Y
as promoUonel APRs] bslora balances witit higher APRs Uma We may
Credit galaacas: You may request a rotund of a credit baloney st sny
reduce the omounl of ony credit beience by the amount of now charges orlees billed
to youreeeounl
Aulomatie Charges: You may eutitorhs a third perry to automatically c ergo yo
andinsvranes ptorniums) 1f otnoimaliczehaPgas eta at PP d~m aanYrea6 n iinetudinp
because your account is eiossd or suspondedtilroe~,n'r ~dpayioythssechargas
number changes, you ore rssponalbls for notifging
directly it your account number chonges• ws may but ors natrequ:rod lo, pay item
your new aceountnumbsr charge s that you suthmhad to be billed to yonr old account
numhoL yy
Pramstionr. From ou ebouUilta a ms of thesoHar and haw long theyrwdl ba in aR ct
do,we will noUfyy
Any promotion rs subject to rho corms al this agreement es modiGod by t e
promailanal oNac
FINANCE CNAitGES
l7niiy Periodic Rains and AnnuodloUerea~o~gi roles arsofistod on the Rotes and Fnes
1'APRs'i and the aor~aetlQondiap Y P
poriod~Carats wo ddivide Ih ArPR by 65~snd rnr ofteca Iv aYs rsoundoupnet tthsdfihh
place to the right o1 the decimal point
Voriabla M1es;Oas or mots APRs that apply to your a~countmayvarytv±i-h ehenpoa
pyle~wor cotWiyt the APR by adding a margin ty the Prima Ryw uligsfiod in fie
WaHStresrJaurrgda:arobusinpssdays before the Closing Dew Chown onyour billing
Rats section o1 fie WaNSrnetJouprnai Ii fie We Srrea Jc~rn~alstopa D~ Gsht"g
the Prime Rat, we wig select a simper reiorsnca rate end inlnimyou an your bllRng
statement tN through a separate notice
A'mergin Is Utr poreantrpe wa add to the Prime Rate to t.aicuteta the APP A
'business day' is ony day that is not BWeva i blarretec rlt also Gets the margin for
Foes Table shows which retea, it sny, re
saoh variable refs red any minimum dagy periudie rote and corresponding APR
Twa business drys bolero lire Gosutg Dete cG bee marg n t that Primp flare lto pat
whet the Prime Rsta is• Ws then odd rho app
the APR. Ths dally Periodic tale is ealeuteled es dascrrbsd above
II our eoiculation results in a thongs to a dally periodic rats tromthe previous bgling
cycle because the Pr lee u°°tse ds in thosto ender month in which v+re made the
dayy of Your bGing cy h eriodie
calculeUoh lithrdegypedodierstolncreeces,youwlilhavatopayahip arp
tinanee charge and may hovs to goy a higher minimum paYmem.
Uatsull RetssYour APRs ehro may vary it you era in dolault under this agraemont
or sny other agraemont you have with us or soy of our refotad comprnies for ony o1
the logowing reasons: meet that is owed on this account or any other
. We do eat racshrs, for ony DBY em due by the dale end lima
account or loan with us. et least rho minimum peym
dUB•.
• You oxeaod your eredil tins on thla account
• You males a payment to us that is not honored by your bank
• Tatheextemagowodbylaw,il.elerrytimyeheryovreecountiselossd,wedemend
immediate psymont of Your outstandins betenes and wo do not rsceWs psymont
ndlhh: L'te time we spndlY oilonal
li ony of [bass events aseurs, vm may increase the APRilni'amaximum of rite doisult
APRs on ell balances jexcludinp ovordrstl edvancos) up
taro orated lour dolault rata:Flheslangth of lime Year aiccounl hosaboen open, rho
determine y
plynuraciounty egaendpnrlormancelydourmoGoneboutyouroiherratationahlps
with us or any o1 our raloted eompnnies,and inlormallon wo o6lain Tram consumer
credh tepees obtained Tram credit bureaus 7ho default racy Wtll to la to purchase
the Grsl day of the bGling cycle inwh;ch the delautt occurs.bnd tail app Y P
'ayd ~ ~~
balaneos Iron the preyioue billing eycla for which poriodie finance ehargea hovs
not boon aboedy billed '
D wn dseide not to Increoss your APO even though there is s dslouil or ii wo do not
inerasca your APR up to the mazlmum delsall rota stated In the Rntos end Faos
Table, wa reserve our right to increase your APR In the avant of any future dsteult
Wa may is our drseration dslermine to charge reduced defeuU rotes or roinsteto
stonderd trios for all or;sslacted bainncas on your account
Rnence Chsrpy Coleulalion-Two-cycle Avarepo Doily Belsnee Method Ilaeludinp
Naw Porchesasjim Pun;hosss and Avorspe Daily Balance Nietbod hncluding How
Tronsaclloas) for l7thuf TressacUoae» We calculate psriodfo RNnee charges
saperetely for oath bel6nce aseociotod whh a ditierent category of lrenseclions
olashod»pntceehaeks~overdraftedvencns,ande~chpmsmtdIonj Thssaoelr:uiotions
ntay combine diHerenl categories with the sumo deDy periadle relay Thls is how i-
workr.
We caiculete iha podo~fc f neni:e chrrpas for purchesos in tvvo steps, es follows:
• fitat, for snob day of Ufa bluing eyrie, we muhiply the daily baloney by iha daily
periodic rat
• Sacand, for eoch dey~pt the rsvioas blGinp c)~tb we multiply the dagy beience
tat purchases medY'io'thet bi~np cycle by Iha some daily pariodk reto However,
we do not do Udt sd~ond stapilwe received peymentin full of rho New Betanea
onyour previous 6gGng.stetomont bythe dotoand Uma Iho mfnbetum payment was
due of it a pudodlo ftnaneo charge wos airandy bilVod on that beience
rata thaeseame was y, but wa ass the giro otionolrsuheses subject to n promotionsi
We ealculata poriodia linencn ahorpas for 6alanee usndars, bolnney usnsier
cheeks,eacha vsnees,eaahadvencschecks,andwerdnhadwnees,bymuldpfylnp
the daily betenee for eoch of ihoso catsporias by rho dagy psrWdic role f ar oath st
those eeleporlss, each ripe You may have uverdrall advaneas pate ii you have linked
this account to s checking eecount wnh one of our related books- Wn ceicuint the
pndadie fmanos ebnrUec Ior beience vansiyrs, beience Vansfer chocks, cash
edvaneas, and cash edvonca checks subject t a p+omotionol rate the sumo way.
but aria ass the promotional eta
7o gat the deilybelante lot each day 1dr oeeh cstogory:
• We take the bepinnlnp beience Ior that day.
. Wr: odd to that belehce eny'naw uortsWe odd a nownurchese, ooh advencn~
edjbstmanta that opptyto that category.
belenee Iransler or odardreft advaneo, tf applieabla, to i e dally balance ss of the
usnsaeUoh detr,ar n ktt data of our choice Wo odd a new oeeh ndvanes cheek
or balance uensler check to the defly beience as of due ear o lotep dole of our
choak of balance vedsler check is dsposiled by e p y
choice
• Wa subtract from -hat beience ony payments, credits, or credit adjustments that
epptyto that tatggory and that ere credrtd es of thot day
. tNs creel a erodit helanu as n belenen o- taro
Ta got the btrginninp beience for arch category for the nozt day, we add rho dally
pa odic finance charge t the daily beience II mots than ono da'dy periodic rota
could eppl~ to a category bresuse the rote for the eatopary rnsyy very based on the
omounl of tts evusge dagy beience, vve will use the dally poriadic rate that oppfie
torthaaverepsdoltybelertcsae eechtdsysThlsltapraemt°ntypirovides1iortdegy
de#y poriodie linence cbarp
eompoundinp al Gnenee eherges
To yyal the lotei prtiodic Monte chorga for the bUGnp eyce, wa odd ail o(the defly
padodk Cmsnee eherpos far oeeh category for eoch day during that billing cycle,
plus Uta daily ppariodlc Rnrncs charges on purchases, fl erry apply for the previous
bilMg cycle Rowsver. ii arty parbdle Manee ehsrpa [s due, we writ chorga you ,rt
lease lha minimum Poriodle Unenca eherga staled In the Rets and Fsee Tobin N !t
is neeessery to odd on oddidonol eatount to reoeh the minimum Rnanea charge, ws
odd that amount to the beience for purchesac mods during the billing cycle
pvriodiclMa ca chergsc plus rutri'trenss~Uon toeiiCmenes chnrposn the sum of the
Foraach caloporywe euleuleta an overage dagybelanco jinciudingnewtrensacilons)
Ior the bi6np ayeie by ydd'mg utl you, d~ eYPo~o~~ ~ ern a charge Ior pureheses
the nomber d days in rho bii5ng tytl
mode durgg the provrous bUfmg cycle a pGss, the overage defly beience for those
purchoses is eeleulotd the same way tl you muhi ly the overage dagy beience for
a eetegorybylhrtcetg~e ~e ~6~ ~p tiqusl the periud~e Men euehe~gns fa~thot
of days In the 611Gng cY
haUnee aprPoutble lv that bipinp cycle, swept for m{norverieUans due to rourtd'mp
Green Period and Accrual of Rarneo Charpac We se true psriodie Rnsnee thergos
on s uaasacUtin,•tey, or fiasnte charge hbmthe dsu h is prided t Your dagy balance
unill peymsrnbtiug I; yutobrod on your eccoutd. However, we do notcharge periodic
gnenco charges on newpurchasrs ogled during a hdlinp eyclo it true racatve payment
r.; yvt: Naw Bolance by the dots and U•nc Your minimum payment is duo end wo
reesivsd psymont of your New Balance on your Previous bGling stewmont by rho
dot end time your payment wos due.This szcepbon ot'pracs period' eppties Doty
to purthases and doss not eppiylo beience vensiaro, belenee usnslar chocks, cosh
advances, cash advonee chot:ks or ovordreh edveneas, it epplicabla
7rensactioa Foos !ar Cnsk Advances: We may shargn you a cash advance Ise in
the emountstelod in the Rotes and Fees Table for each of the loltovring V snsacilons:
• cash edvenca'ch9 ~ks. ,
• cash odvences ,
In addition, LI ynu use a third party service to make a payment on your beheil end the
svrvica efiargss the peymanl to this account wa may charge a lranseetion loo tar the
payment
Theca Ire as ltltetvensaction data el the essheodwnee Forosxamplene transtctionalea
cetvgory
for o cash advance would ba added to your cash advance ou a balante lranclor Tea in
Trnnsoclion Fees far Balants Treoslars: We may chorgo Y
the emovM stated in the Rstos and Fees Table for oath of the following transactions: r
• balance transfer checks,
• beltncatronslars
7hesevaes o the vonsectian date of the baton eduanafo[ For oxotmple,ta Iranseceion
category
lee for n balance translervvould be added to yaw batenco trensier bs once
ll'fHER FEES AND CHARGES
We may charge the following loos Tha amounts of those leas era Gstad in the Rotas end
Foos Tebla These leas will be added to the balance lorpurthosts made during the bi8inp
eycly-
Annuol Mombenhip Fse:lt your occount has an annual mamborship ire, hwwhethen ar
oath year or fn monthly insteilme a at sae to a a 1 H when 6111eddThe ennuat mamborship
not You use your occount end yo g P Y
days i the daudwe maR Your bilTmg sutemont on which Ihaaonnvstrmornborship~loe is
charged end ottha same dme, you pay Your outsunding balance in lull Your payment of
right 1o make fro setUonsaonvyour ett:ouol Ilryourt ec~ turd Is closed by your omusYvua
will continue to charge the annual mambsrshipp lac until you peyyour outstanding bsleneo
in lull and tenplnote your ateounl relationship ant by Iha data end
Ln1e Fos: If we do not roeaive et loosttho required minimum peym
Ume it is due as shown on gout bllling atatomenl for any billing cycle, wa may chorgo the
lots Lao shown in the Retosl,+` pra~rious Baleen mt the tcurront month a stotomoN U+ t
culr.leW Uru la:+ Tao :rsint;
shows rho fate fan This balance is rho same as the New Balance shown on the poor
month"s ristemanl lerwhieh wa did not receive otloest the required minhnum payment
by rho data end thna it was due
Ovarlimit Foe: ttyubr account balance is over your credit line al any lima dodos itt~I lea
tycla, oven it otdy for a day, we may charge en nvedimfi fee Wa may charg
oven it your balance is wertha credh line bacauso of a finance charge ar tae wo imposed
or a trensacUnrt wa °ud+ ch po nn ovadimU (aerie subsequonl biilingacycio r ovenril no
billing agate But eve may our account belanes riRl is over your
now vanstctions era made on Your account it y
credit line, at arty time during rho subsequanl bAling cycles
Return Poymant Fso: it le) your PnYmant chock or singer-inatrtrment k not honored, (b)
on automatic debit or athartl Istnotlsi oed oreea rmrat ba process d wa may charge e
a PpY!nantchot:kbarc~1€e+~ _.- _. --_ _ .
relum payment too.
RotarnCbockfbsallalwe;~ pis jopsygeesh dvancochackorbolencetcansler
check rot your nqus~b
chock, we may Charge a serum eheekioe
record of your aero rot or H yonvngveri two or m Ifnineerdstor~ani' spaelal servfeasiiior
oxampl0. obtaining earns on en ettptdgod basis), wa may eharra you for these sarviees
d~tmeriiLsthotyouracuaclglo~eblUnpdslpotayoulmsyoz ertop insttusundereppgr:abla
law. Wo may chorgo, Ia orry services Gstad above and ernes s ~rvitos wo pravlde, lha
leas from Umr to time in affect when wa altar the sorvit..
DEFAULTlPSDLIECTtDN
Wo may consider you to be In default it any of those occur.
• We do not receive at least the minimum amount dt,s by Ne dale and time duo as shown
on your bRGng stetamant
• You exceed your credh line.
• You IeR to comply with the terms of this egnement or tnyaoreement with one of our
ntatad tampartiss-
• Wa obtain inloretetion thoteeusas ut to believe thetyoumsv oe unwrliing or unob o to
pay your debts to us or to others on tune
• You file for benktuplty
• You baeoma incepecitoled or in lha event of your dasth.
H ore consider your tetounl to be in deleuh, ore may close your account without notice
end requir»yoeto peyyturunpeid batancv immadiatolµWe also may requiro you to pay
interest at the rein of two percent j2%} a month on the unpaid batahco when wa loam
your eceount to ba six or more biiGr+g oyciet pest due.
yonwlgpryorpaaeollaetionc sls!onornay~itos eourteostsyondellothoroexpensesol
enlarcinp our rights undar:his agreement
CLD5t1VG YOUR ACI,CUNT u call us to Close your account wa maY
tequila that you corium your [equasl+in writing
We may tloso your teeount of any Ume or suspend your er tlcieb~ ~ w°ti we eloso your
arty meson wNhovi Prior notice except es required by app
aceaum. we wiR not be liable to you far any consoquances rosuhing Isom dosing Your
account or suspending your tradil prfvgegas
it you or wo close your occount You end any svUrorirod runts must immedletely slop
using your aerounl end destroy all eerds, chaciu orotharrntona to access your account
accoun4 even i( heype armada orypra a~tssed eheryouranccourrtlce lased end youywiU
_~•?:.
LidA i2c:
t
be roquind to pay the outstanding balance on your account according to Iha terms of
this agraem tie, I~q to ldimmdo diatelq oar el srryltimo eherlyou ac ovni li aksedu to pay the
autstandbtp
ARgITRJITIDN AGREEMENT
PtFASE READ TNiS AGREEMENT CAREFUt1Y• R PROVIDES THAT ANY RtSPUTE MAY
BE RESOLVED 8Y{BINDING ARBITRATION ARBITRATION REPU-CESTHE RIGHT TD GO
70 COURL YOU WILL NOT BE ABLE TD BRING A CLASS ACTION DR OTHER
REPRESENTATIVE ACTION IN COURT SUCH A5 THAT IN THE FORM OF A PRIVATE
ATTORNEY GENERAL ACTIOIJ, NOR WILL YDU BE ABLE TO BRINO ANY CLAIM IN
ARBITRATION A5A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. YDU WtLI
NOTBEABLET APART,OFANYCIA55ACilONDRDTHEAREPRESENTATIVEACTIDN
BROUGHT BY YONE ELSE, DR BE REPRESENTED IN A C1A55 ACTION OR OTHER
AEPRESFMATN l>CTIDN.INTHEABSENCEOFTHtSAHBfTMT10NAGREEMENT,,YOU
NA BURT,9EFD,RE~AJUDSFEORJURY,AND10RT0 ARTiCIPATEORBEREPRE5ENTED
IN A CASE FILED 1N COURT BY OTHERS IINCLUDIND CLASS ACTIONS ANO OTHER
REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT
TO A COURT &UCH A5 DISCOVERY OR THE RIGHT TO APPEAL THE DECLSION MAY BE
MORELIMtTED DCCEPfAS DTHERWISEPROVIDE6 BELDW,THDSERIGiiTSRRE WANED
Binding ArbllnUOn, ThkptbivelionApreamsmis made pumlonlto s Uensaction irrvdving
lnterriam commgrca, end shell bo governed by and be enlorceebie under Iha Fadarsl
ArbdretionAotltbo FAA'j,9U.SC.51•]Beshmayboemandod ThisluhiuetionApreemenl
sets forth the drenmstanrEas end procodaras undorwhich civims (as defined below) may
ba received byerblUrtion inctav of being gtigetad fn court
PaAlas Covered.Forlhe Qurposos of thisAtblUationAgreement'we ,'us ; end'our'elso
lncludos our parent subsid'wnas, a ifiGntas, Utansaes,predecessors, succacsors, assigns,
any purchaser of your Aetount and eU.a! Utak otfa:ors, directors, omploysee, agents,
end assigns or any and aR of them AddiGonaliy,'we','us and'ouf shall include any Third
party providing bonafits, Sruvlees, ar graduate in tonneetbn wlth the Aeeaunl Gntludinp
but not lunged fo trodh bureaus, morchents that eecapt any eredltdevieo Issued under
•tfie Accoun; rewards programs and anroliment soivtrs:, credit insunnca comptnles,
de6ltogeetors, end all of thole offieors, d{raciors, amptayaes, tponts and reprosontotivea)
il, end oniyit, such s third party is nomad byynu ec a to-defendant in any perm you assort
ageinsl us
Claims Cvvored.. Either you ar we may, whhout rho other's Consent oleo mandatory,
bindnp erbivotion of on~ clelm, dlsputa or tonvovarsy by either you or us against the
arbor, or apeinstthe amp ogees, parents, subddlerior; e r ales, benaiicforios, agents or
assigns of the mbar; arlsinp tram or rofabnp in•eny way to lha Cordmomber Agreement "
onyptior CerdmnmberAgreamentyour crodn card Account or the edvortisinp, aptRcttion
or approval of your Aeeovnt l'Cfeim'}.Thleltrbdreuan Apraement governs ai Claims,
whether sorb Claims ere based on Law, rielrno, tonunct requUtion, ordnenta, toil;
common law consUlutiontl provision, ar any toga! theory of law tneh as rtspondeat
suppriotior epyother Iagal or aqu'debfa ground and whether ouch Claims seek as nmadies
money damages, penalties, InjuneUons, or docleretory or equkable reGel. Citims subject
tothis ArbltrabonAproementiacluda Cldms rvpardinp the vppRcabRity of titb Arbhretion
Agraotnetdorthovainfity of thaentire CarrLOeglbeyAgraomonlareny prior Cardmember
ngthe pr x rot r thetluture, As rased in thi`sf Arbitration AgrvamonL the ler~m C1sim is to Y~ y
bopiventhabretdastpocsiblompsninp~ ;.;:,_,:
Geims subjod W arbitrator Intludv Clebnsthat ore made es eounttrdeimc, ewes ctiims,
third potty claims, Inlarpleodars yr otherwise, and a party who inlUelet a pracaeding In
Court may rioet erbiUeUan with rvcpoct to any sucfi Claims advanced in the fswsult by
atrypartyorp`rtiea ou retain the rf fit to ursue in a smell
As an exeoption,to This Arbiraton Agroement Y U P
cle'unc roan erry Claim Thetis within that court s jurfsdicfion and proceeds on an Individual
basis. if a petty eiectsta erbfUeta a Cieim, the erh'nntfon will ba conducted es en individual
etlion. Nsibltr yet nor we agree to any erbiaeoed n suoh b sis.rThis me ns Chet even
end the arblvalor shag have no euthorilyto pr
R n Bess acdon lawsuit or other reprasantetivo ectbn, such es Ihethr the form of a private
onornvy panarel actfon,k (clad, any Claim between us related to the issues raised in such
lewsuits~wiU be aubjatt Io an indvidual rrbitraUon clolm it Dither you or we so tlecL
No arblt{tUon tidR bo eoneolidoted wkh any other arbiUotion proesading wiihvm the
consent of aR pardea Tho only Clelms titer may be joined in en ind'tviduel aeUon ucon r
this Arbivetiari Agresmsnt are l11 titose brought by us against you end any co•epp' t
joint eerdmom6pr, or tuthorhed user o(your Account or your halts or your trustee In
bsnkruptey or 121 those brought by you end any eo-applicant, joint eardmentber. ar
eulhorl[td user of your Aetount, w your heirs or your Ws1ea in benkruptey ageinsl us
Inlliafioa of ArfTlntioo Tho petty filing a Claim in erbhreUoo must choose one of the
following two arbilreoon admtnislretats: Amerieen APoIUetion AssoeieUory or National
ArbWatioA Foruin.Thoca edminirirators ore Independent from us The adminlsvator doec
'not conduct lhe,erbitnliop Arbkretivn is Conducted under the rules of the cotettvd
arbitredan ed, ' -ctretor by en impartial third party chosen in eccordents wdh rho rulac
of the saleei rbivatian odminlstretor and as may ba provided In this Arbitration
Agreement A y erbhretion hearing that you enond shag ba held et a place thecae by
the erbiUator Pr grbitrairon adrturd+vator whhin rho iaderel judiekl disuse[ In vmieh you
reside of the time rho Claim is IUad, or at some other ploee to whith you end wo agree in
writing You may obtain copies of the torrent rotas of each of lfio two arbivotion
odmtnistrators, inlormndon about arbitration end erbfUetion lens, end insvuctians for
inlUafinq arblUation by eontselhtg rho orbivadon edminhtrators es togowr.
,Ameriten Arblvotion Assetiatio0. 385 Madison Avenue, Roor 10, Nev+ York, NY
iD017.46DS.Websko:ww,wadcorg.BBU•77i1.7879;or Web siu:
National Arbilrslioa Forum, P.O. Box 60191, Mlnnoapoga, TAN 55405,
www orbhrstion-iorum eon, B0U-474-2371
Praeedvns and few applicable in vrbllralian. A single, nauvof arbivetor will resolve
Clelms-Tba srblUatorwrU aithorbo o ]owyerwilh at Isosi ton years asporionca or a refired
or iormor judge Tha arbitrelion wig bs conducted under the epppcabla proeaduros
end rules of rho arbiVaUon edminisVatot that ore la etioct on the dots the erbllratian
1s t0ed unless those procedures end tutee era inconsittad with this Ar6lVOtion
Agrsemarrt in which case this Agreement wig provag These procedures snd rules
may Irmit the amount of dlscovory avegeblo to you or us Tho arhftralor will apply
appGeebla syrbstsntiva law consfstenl with the FAA and appgcable stafutas of
Gmitadans, and and be ter resented by coaipmselcTho arbivoto wYU take r ahsonablo
have a hoerinp P
slaps to protect customer Account inlarmation end other congdoatisl inlatmv on,
including the use of protao ~ U9 Thy erbilre t4 wiY have the power to award to e
it requested to do so by y
Ps any drmagas or other rage( provided for under oppGcebie law. and vn11 not
have the power W award relief lo, egeitrs6 or for the benefit of ony parson who is
Hal a patty.to the proeeodinp ll rho I; etu(h~~biUatorrwillimvko any awe d in
sword punitive damopes or eriornay _
wriilnp but Head not nuaordusttheto burstorrwdl providaes 6ne! statemonl 1 Ifio
Upon a request by y
ransone for the award.
Casts. We wiD reimburse you for rho lddd srbiusilon figng Ise paid hyyou up to Iha
amount of SSDD upon receipt of proof of pdymad-Addhlanegy, N there is a hoerinp,
vvs will pay any Ises of the arbhrolor and srbitnilon administrator for the (uri two
days of that hoarkrp~ Tho payment of any such hrarinouoor us ours onlato ihls
dFreedy to the erbdreilon admWsVator salsetvd byy P ,
thoiarbiuetlon °dminlsvstor and eppgeoblealew Hnwlrrovsr,Pwe will) ado nceser
reimbutca filing foes snd dhar leas it the arbfVation edminisUetor or erbitretor
determiner Wera is good teases for requlrinp us to do so or You ask us and wo
determine there is good cause !at doing so Eath petty wig haor the expense of rho
ices and costs of that party'! ebornnysf vans, foraerbitroilon and anyse~pa t jar
expenses, rogardlass of wfueh party p a gash o taw In
permitted below), except that the erbhrotor shag spply mY PP
determining whether a pony sfiould recover arty or ell fees and torts Irtmr another
panY• ash Fnilure of any delay in onlorcinq Uds Arbhrolion
Enforcomont, finality, opP
Agreemsm at any time, or in connection wkh snypanieuter Cloime,will not eonsGWlo
e we}varof arty rights la require erbitredoa el s later time or In connection with ony
other gahns Ary deeidon rendered in such arhhrolion procoadinp will ba fmsl and
binding on the partisc, unless s perry apdpesis Inwrlilnp toths arbhrailon orgonitsdon
within30deenal oisu~ep uVel er6'dralohs d signs stir rW the same arbilrefion
botore e p
organliailon Tha panel wrT1 reconsider ag tactual end legal Issues anew, (o ow a
same rules that apply to a proceadmg vsfng a sib basrrtheirtnwn fass~costs rand
based on the-vots~ ot, the mrjodty Eaehricover srty or a111eas, costs end oxpsncos
expenses tar orry ePPssl, but s perrymoy.
from anolh-r party, if the ms riry of the panel of arbfVetors, epptymg appgcobta
' law, so determinoc An sward in srbhrodon w~ he onforaalbla es pravidod by the
FAA or oUrer oppfiesble low i>Y ony court having jurisdiction
Sswrabiliq, survlva4Th}a Arbitrsdon Apreament shell snrviva: G} tormineilvn or
changes in the Cerdmambor Agroament, ilre Actount and rho reledonship between
you and us eoneerning the Account. such es rho issuing of a Haw aeeoum number
or the Venslarrlnp of fhs balance in rho Actount to enolhau or on odor bruholh,
bankruptcy vt any potty or errys)miler proc c fdi" a third party! U anY P"rllon of thls
and (tat Payment of the debt in 1u116y you by
Arbitration Agreement is deemed Invalid or unanlotcoabls, iha romslninp poAlons
shelf nevanhelsca remain in force
CHAN6E5 TD THiS AGREEMENT
We eon change this agrsomont al anytime, regardh ~ of wh`s-roh ~r 9w" ~Sht 10 Redd,
to your sct:ount, by adding, ddsilnp, or modifying Y P
delete, er modify provisions includes flnencielterms, such es the APRs end Isos,
and other Utms each as the notate, extant, and anlorcament of the rights end
obdeladoni era calisd'Chenpes~orti GhanpdgrsomenL ModiRtetfons, sddidons,
Wa wtg notify you of etry Chsnps it required bysppgca ble low These Changes maY
be oHoc1}Ve with noilea only, et rho ilmv slated In our nodes, in aeevrdanca whh
opplieeble law Unless wa Hats othenvisa, sny Chsnge wKl apply to tfie unpaid
6alenese an Your account snd to new transyscdons Chan a
trnhe c°nsequ Rnaes ii you do or do not exoracissalhoss dghtsPFor os pfe, the notice
may riots that you may noilly us 1n wrung by a specigod data it you do not want to
oaespt teAain Chengnc wa ere making II you noilty us in writing drat you do not
aceapitha Chengee, your aaeonnt maybe closed Ig it is not etre ~rcable terms of lha
will be v6Gpetod to peyYour outstanding bafancs under Iha app'
vprvemant It you do not nobly us in writing byths dais rioted in the nodes. or it you
notify us but then use your ectounl aher the bra stated in the noilce~ You will be
w.rc,M:d to accept all Chengas In l`•s ncl::a dad to accept and confirm aR tams c!
your ograamaM end all Chenget in prior notices we hsvs sent you rsgerdtsss of
whether you hrvo access to your ectounl
CREOi'T WFDRMATiDN
Wa may periodically revrawyovr credit histaryfry obtaining information Irom credit
6uroaua end ethane
Wa may tapoR inlarmntion about you and your account to credit bursous,including
your falurs tv pay us on timo.lt you request addhionaS cardc on your account for
others, we may ropon account information in pout name es well es In the Homes of
these other aeopls
II you think wo hovo,.r~portod inseturota informadon to a credit bureru, you may
wnu to us at [h~,C~(djnombor 5orv}ca address Kstad on year blRinp atetamenl.
Please induda galr<Fp'6ma, address, account number, telephone numberend a briel
dasuiption o! the pro61 m II edaileble, pfoase provide a copy of the credt buroau
ropon is qusslfon We t~ promptly inwstigats the molter end, it our irrvosUpetion
shows that you ate Ag`nt, ors wfK contocl each credit buroau to vdlrich wa ropaned
the informadvn end w1U request they come et the report 11 we disagree withyou spar
our invssdpailon, wo wid tog you in wridnp or by -elophsno We wdl al:o noilfy the
credit buroau lira[ you dispde the inlormatlon unless you let us know that you no
longu: dispute the infsymstian
NOTiCES1CNANGE OFipERSONALINFDRMAriON
Wv wlgssnd cards, W$mg statsmonts and other nodcas to you al the address shown
in out glee. Or, ii this id s joint account. wa son rend blginp statomenu and notices
to ony joint seeaunt hofdet Nodes to ono ul you wR1 by considarsd nodes to all of
you end ell ai you wgl romafa o6ppsted on rho account
U you changn your Hama, eddrsss, or Noma, cellular at business talaphone number
or amag eddrsss 1rl ~ou~elect w receive 6glinp atatemonls or other nolisss onlinvl,
you must notHy us mmedlelsly in wridnp of Ure address shown on your biignp
slebmsnt. Ws may, el. onr opdon, sccapt making address corrocilons Irom the
United Steles Poste) Service ~+{o may contact you about your aecounL including
Ior cuatomar service ar cogection, at arty address or lelephons nnmbar sc wail ss
any caguler telephon-mrmbsr:yau Provide us.
TELEPHONE rytOp11'FORiNGAND RECDRDINC
We, snd it appl'ieabis, our a goals, may i}elan to snd roaord your lofephone cells with
us, You ogres that wa, end it appgcabla, our agents, may do sa, whether you or wa
initiate the Ielephons eeg
INFORMATION SHARINR
You amhorite us to shwa c oneln information aboutyou end your eecountwithfn our
(emgy of compenfos, end with others outside ourlarmly of compenierincluding any
companyw orpenitnilon Whose Home ar mark may appaor on rho cards, os ponniried
by Isw, Our P~rau•{ Popsy, v~lu:h is pru:idcd In you tvhea you first rec!ivs on
agreement and etlasstonca each cslanderyssnhereahar,doscdbas ourlnlormedan
ahsrinp preeilcae end the choleas you hove and dtrecdons you may give us about
our thadng ai inlormsdan shout you and your account wish companies or
organitatlonawhhin snd outside of our family of componisc
ILLINOIS CARDMEMBERS
Iginalc bur provides that we ma~ not shah inlormsilon about you wick companies
or ether orpsnftadons outside o our lamiiy of companies unlocs you authorize rho
diseloswe or Unless the dlsdosure falls under another oxcapilan In the isw !such
es sherieq inlvmtaUon4o process your lronsaetiens ar in rasponss to a subpoena}.
You hereby eproa that, it you choose not ro exorcise the appgeaWe apt out descdbad
hr out Prfvecy Policy, you wN be deemed to bow suthori:od us to sherd personal
inlormadon wa have aboutyau fnclnding fnlormation related to sny of Iha products
or eatYieeg You msyhava with arty of ouL,compnniesl wah eompenles or other
orpen}:alians outside o} our lemgy of companies
ENFb11E1NG }lfl5 AGREEMENT '= "
We can delay enlvre}np or nd enlorea arty o1 riot rights undsrthfs epra arrant without
ere oundto~6 uneniorcaeblemall oths termsrvill iemsinin tali tercels sgresmsnt
ASSIGNMENT
We may esaipn your ectounl, any smounis you owe ns, or any of our rights end
obGgeilonc under this eprasmenUo a third party The person to whom we melee the
assignment vr~ ba gntidod to any of our rights that we assign to that parson
GDYERNING LAW !
7HETERMSANDENFOACEMFM DFTHI5AGREEMEN7ANDYOURACCDUNTSHALL
DE GDVERk':D i:idD INT=P.PRETEC IW A.".COADI':!yE LY:ii f i EDL•RAL LAtAr nl~'J, TD
THE EXTENT 5TATE LAW APPLIES, THE lAW DF DELAWARE, WITHOUT REGARD
TD CONFLICT OF-IAYy PRINCIPLES. THE LAW OF DELAWARE, WHERE WE ANO
YOUR ACCOUNTAHELDCATED, WiLL APPLY NO MATTER WHERE YOU LIVE OR USE
TNEACCOUNI:
FDRINFDRfMA7TON +<
Plass ug d,a tat. ~ombor 5srvlta toiaphona number on your cord or blDinp
stetamentil youyou tiet~ y qur+;Gans about your account or this sprsomant
YOUR KILLING RlhiTfS'
KorpThfs Noilc6 Far:Fnlura Uso
This notice contains imppotlentinlormatlon oboul your rtghLs and our responsibgidos
under the Fek Credit BRiing Act
Noilly Us in Cece Df Errors Or Oueslions About Your Bili
II you think your bgl h wrong, or it you need mare Iniormstiort about o transaction
on yourbiK, write us on a coparets shoat at rho Cordmam6er Service address shown
on your biDhrp ststemont Write to us ss soon es possible Ws must hest Irom you
no Ivtvr then fiD days aher we sent you the first hRl on which rho error or problem
. npecr~d '1 VY tea tefephore v:. b!4 doing se wiP not p, aser a6 your rights
In pent totter, give us rho lognwinp Information:
• Your Hama and account number
• Tho dagar amount olthe suspected error
• Dvseribv iha error and axplolt4 it you can, vvhy You boTreve there is an error If you
need more inlormedon, dsscribs the item you ere not sure about
11 you hors authorftod us to poyyour credit cord 6DI eutamadcelly Irom your savings
or checking eccounC You cart stop the payment on ony amount you think is wrong
To step the payment your lari8r must roach vs et least three business dept bolore
the etrtomeile peymomis sehedulsd to occur.
Your Rights And Our RuporuibGliias Aher Wa Receive Yaur Wrinr:a Notice
RL:.....
ps t;s a nl
Wa must acknowledge yovrlottar within JO days, unless wo have corrected Iho error by
then VJetnhin 90 days. ws must either correct the error or explain why we bo0ave rho bill
t was correct
ARer wo reeeivo your letter,wa cannot try to co8otl any amount Yau question, or report
you as delinquent We ten conti'u en° uni aid am fount gainst you Qerotiil I on Youda
(nonce charges, end wo can app y Y P but ov ere still
not Nova to p6y any quosilonad emaunl wh8a we era invostipating, Y
obOpatad to pay the porU olyour 681 Ihot ere not in quas0on
11 we find that we ma de o mistake on your b81, yovwill not hove to pay erry Unanee charges
related to any questioned amount ti we didn't make o mistekoonts on lha questonod
finance ehargos, and you will have to maY.e up any missed peym
amount In either toss, wa will Bond you o statement of Iha amount you owe and Iho dau
thatit Is due
If you In0 to pay the amount chat wo think you owe, wa may reportyev es delinquent
However, it our expteneilan dons not seilsfy You end you write to urwithin 10 days 1o18ng
us thot you riUl rolusa to pay, wa must ta0 anyone wo report you Iv that you have a
question about your biA And, wo u U~etltho matter has boon settled between us when
We mustta8 enyena we report yo
it finallyis
II we don't lotlow these rules, wo can't collect the lust 550 00 of the questioned amount,
oven it yew bi0 was eorroet.
Special Pules for Cred}t Gard Purcbosos
II you have o problem with the quality of property of services Ihot you purchased wiilt a
erodit card, and you have vied inigeofemefni p amount due on the p perry err eerrvieos
you may have the rl@ht notto goy
This right does not apply to check vsncecdons Thorn ere two Timitailons on this right
(e} You muri hove mode the pureheso fn your horns write ar, it net within your home stole,
within 100 miles of your currant mailing addre:r, and
(b} The purchase price muri have been more then 550.0@.
edvarilsam nl fordtha propalriylor service; operate the marchonL or ilwe moiladyou rho
Lopyri9ht OZDD6 JPMorgan Chesa & Co 0.11 rights reserved
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VERIFICATION
The undersigned does hereby verify subject to the penalties o~f}18 P .C.S. §4/904 relating
to unsworn falsifications to authorities, that she is ~~~ / ~i ~I
~~~~~ ~ (Name)
of ~ ,plaintiff herein, that
( le) (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, lIlforril2tinn anrt belief
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SHERIFF'S RETURN - REGULAR
CASE NO: 2007-04179 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CHASE BANK USA N A
VS
NIELSEN AMY
MEGAN HARLOW
Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
NIELSEN AMY
the
DEFENDANT at 2022:00 HOURS, on the ].9th day of July 2007
at 1109 YVERDON DRIVE APT C8
CAMP HILL, PA 17011 by handing to
AMY NIELSEN
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 9.60 .~~
Affidavit .00
Surcharge 10.00 R. Thomas Kline
.00
4`~~b1 ~ 7.60 07/20/2007
WELTMAN WEINBERG REIS
Sworn and Subscibed to By: ~ _
before me this day Deputy S eriff
'y
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
AMY NEILSEN
Defendant
No. 07-4179-CIVIL TERM
PRAECIPE TO SETTLE, DISCONTINUE
AND END WITHOUT PREJUDICE TO REFILE
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
JAMES C. WARMBRODT
PA I. D #42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#06020845
R~ ~.,
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No. 07-4179-CIVIL TERM
AMY NEILSEN
Defendant
PRAECIPE TO SETTLE DISCONTINUE
AND END WITHOUT PREJUDICE TO REFILE
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
SIR:
Settle, Discontinue and End the above-captioned matter upon the records of the Court without
prejudice to refile and mark the costs paid.
WELTMAN, WEINBERG & REIS CO., L.P.A.
By: G"?~
Attor y for Plaintiff
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#06020845
SWORN TO AND SUBSCRIBED
before me this ~~ day
of ~ , 2007
NOT Y PURL
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