The URL can be used to link to this page

Home My WebLink About03-4826IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK. N.A.. Plaintiff vs. CAR[, SNYDER, Defendant NO. CIVIL ACTION - LAW NOTICE You have been sued iu Court. If you wish to defeud agaiust the claims set forth iu tile following pages, you must take actiou withiu twenty (20) days after this Complaiut and Notice is served, by entering a written appearance, persoually of by attorney, and filing in waitiug with the Court your defenses or objections to tile claims set forth against you. You are warued that if you fail to do so, tile case may proceed without you and a judgmeut may be entered against you by the Court without further notice for any mouey claimed iu tile Complaint, or document, or for any other claim or relief requested by he Plaintiff. You may lose mouey or property or other right important to you. YOU SHOULD TAKE qllIS 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 TO FIND OUT WHERE YOU CAN GET LEGAL HELP. NOTICIA Le hah denlandado a used eu la corte. Si used quaere defensas de esas demaudas expuestas eu las paginas, siguientes, used tiene viente (20) dias de plazo al partir de la fecha de lademanda y la notifiation. Used debe preseutar una apariencia escrita o en persona o pot abogado y archivar en la corte en lbrma escrita sus defensas o sus objeciones a last demandas eu contra de su persona. Sea avisado que si used no se defienda, la corte tomara medidas y psedido entrar una orden contra used sin previo aviso o notificacion y poi' cualquier queja o alivio que es pedido en la peticiou de demanda. Used puede perder dinero o sus propiedades o otros derechos importantes para used. LLEVE ESTA DEMANDA A UN ABODOAGO IMMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFFICIENTE DE PAGAR TAL SERVICIO VAYA EN PERSONA O I.LAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABA JO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASSlTANCIA LEGAL. Court Administrator Cumberlaud County Court House I Court House Square, 4tl~ Floor Carlisle, Pennsylvania 17013 (717) 240-6200 iN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A., Plaintiff VS. CARL SNYDER. Defendants CIVIL ACTION - LAW COMPLAINT AND NOW, comes the Plaintiff; MBNA AMERICA BANK, N.A., by and through its attorneys, Amy F. Wolfson, Esquire, and the law firm of Wolfson & Associates, P.C., and files the within Complaint and in support avers as fblloxvs: 1. Plaintiff: MBNA AMERICA BANK, N.A., is a Delaware corporation doing business within the Commonwealth of Pennsylvania, and the other states of the United States, with its principal place of business situated at P.O. Box 15718, Wilmington, Delaware 19850. 2. Defendant, CARL SNYDER, is an adult individual with a last known address of 201 YORK RD, CUMBERLAND County, NEW CUMBERLND,PA 17070-2464. 3. It is averred that Detendant was issued an open end credit card account. A true and correct copy of the Credit Card Agreement Additional Terms and Conditions is attached hereto, incorporated herein and marked as Exhibit "A". 4. At all relevant times material hereto, Defendant has been a regular user of said charge card for the purchase ot' products, goods and/or for obtaining services from Plaintiff or PlaintifPs licensees. 5. Defendant has been provided with copies of the Statements of Account accurately showing all debits and credits for transactions on the aforementioned credit card account. 6. Defendant did not object to the above mentioned Statements of Account submitted by Plaintiff to Defendant. 7. Pursuant to the Credit Card Agreement, which Defendant received when the aforementioned credit was issued, the parties agreed that this matter be referred to Arbitration in the event of any claim and/or dispute if the accoont is referred lbr collection. See Exhibit ~'A" as previously identified and incorporated herein. 8. That this matter was referred to Arbitration for determination and disposition, xvhereby an Arbitration Award was entered against the Defendant and in favor of the Plaintiff for the outstanding balance due. A true and correct copy of the Arbitration Award is attached hereto, incorporated herein and marked as Exhibit "B". 9. That Defendant has made sporadic and irregular payments which have been applied to the outstanding balance of this account. 10. As of the date of the within Complaint, the remaining balance due, owing and unpaid on Defendant's credit card account, as a result of charges made by said Defendant and/or any authorized users is the sum of $15,728.12. 11. Despite reasonable and repeated demands for payment, Defendant has failed, refused and continues to refuse to pay all sums due and owing on the aforementioned account balance, ail to the damage and detriment of the Plaintiff. 12. Pursuant to the Credit Card Agreement, any unpaid and/or delinquent balances on said account shall continue to bear interest at the rate of eighteen (18%) percent. See Exhibit "A" as previously identified and incorporated herein. l 3. The amount of contractual interest which has accrued on the aforementioned account from the date of'the Arbitration Award, is the sum of $1,295.31. 2 14. Plaintiff has retained the services of the law firm of Wolfson & Associates, P.C. in the collection of the amount due from Defendant. 15. Any and all conditions precedent to the bringing of this action have been performed by Plaintiff. 16. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. WHEREFORE, Plaintiff, MBNA AMERICA BANK. N.A., respectfully requests this Honorable Court enter.judgment in favor of Plaintiff and against Defendant, CARL SNYDER, in the amount of $15,728.12. plus contractual interest at a rate of eighteen (18%) percent in the amount of $1,295.31, plus costs of this action and such other relief as the Court deems proper andjust. AwmY F. Wo///fson, ESqoLFSON & ASSO~.C. 267 East Market Street York, PA 17403 (717) 846-1252 ID No. 87062 Attorney for Plaintiff 3 VERIFICATION Amy F. Wolfson. Esquire, hereby states that she is the attorney for the Plaintiff, MBNA AMERICA BANK. N.A., who is located outside of this jurisdiction and in order to file the within document in an expedient and timely manner, she is authorized to take this verification on behalf of said Plaintiff in the within action and verifies that the statements made in the tbregoing Complaint are true and correct to the best of her knowledge, information, and belief', based upon infbrmation provided by the Plaintiff. The undersigned understands that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. Date: ~///~/~-~ m~~ ,~.~ ~OLFSON & ASSOCL~'~'ES, P.C. 267 East Market Street// York, PA 17403 ~' (717) 846-1252 ID No. 87062 Attorney for Plaintiff EXHIBIT "A" the Required Federal Disclosures or the initial Disc You agree to the terms and conditions of this For the purpose of the P~wc~ Not~u. we will use the contained In the third paragraph of the P~v~c~ No~c the remainder or the A~re~ment, we will use the de desc~bed under the section heading W~r~ Us~ Thi~ ~r~tmmnt. Prlvaey No,ice Your p~va~ Is lmpo~nt to us: At M~NA, comm,:ted to providing you with ~he finest produ~s and se~lces backed by consistently se~lce. And while information abou~ you is Eunc ~o our abili~ ~o do ~hls, we ~ully reco~nize :he o~ keepin~ personal and accoun~ l~o~ation sec ~ o~er you :he wides~ mn~e o~ produc~ and MBNA may share in~o~aUon abou~ you bo~ MBNA and du~side oF NBNA ~ith o~her compal This allows us ~o o~er ~u produ~s ~nd semice may an:eres~ you ~n~ Des~ mee~ your nee~8, :hey are available dlremly~from MBNA or rel~tionsh'ips ~l~h o~he~mp~nfes.. ~e Want y, unde~ahd our In%o~a~IdO~u~ds, what In~o~ we coiled, wha~ In[o~a~lb6'~6 she~, and the be~ you receive when we sh~re,tn~o~atlon mbou~ you Th s no~Ice desc~bes the.p~ pm~lc~s CorporaUon and all MBNA affiliates, Indudtn~ ~erl~ Bank, N~., NBNA ~ertc~.(DelawareL Palladian ?ravel Be~ices, Ina. ~NA Hallmark Information ~eMce% Ins., ~NA Marke~l.ng Inc, ~nd ~BNA In~0~nce ~'~ 'MBNA"). ~or finandal produ~s and ~e~lces .by ~he laws o~ ~he United ~cat~ ~f ~ed~. Thh no~lce expImin~ MBNA's Inro~16n collecUon shartn~ practices anQ. le~s you choose whether o~ ~BNA may ~hare cem~ln InEo~atlon mbou; you, wi~hln NBNA or ou~lde o~ MB~ wffh other ~m~ Our ~ecuH~ ~roce~res~ MBNA u~dem~and~ impotence o% pro~e~in~ and ~uMn~ In~orma~loa usin~ I~ approprla~ely. Acces~.to.ln~ormmUon aborn is res~ri~ed to the p~ple o~ MBNA who require provide produ~ or se~i~ ;o ~, ~e m~lo:ain ph ele~ronlc,' ~nd procedural smre~s {edeml standards for ~e s~u~l~.o~ Info~aUon. When NBNA shares In~o~aUon.mbou~ ~u compani~s outside oE ~BNA. we r~ulre :hem ~o impose safeguard, use i~ only ~0r ~ perturbed pur and ~0 re~um i: ~o u~ or destroy It.on~ ~ha~ semed. ~e Ilmi~ ~he amount o~In%9~a~ion sham~ what is appropria;e to oE~er a padua or se~l~ cien~ty. MBNA requires ~ny compan~.mceivin8 in~ ma;Ion from MBNA ~o sl~n a Con~den~ia[l~ A~ree con;ainin~ ;h~e mqulremen~ and obll~a~lnB ~ha~ compan~ ~o pro,em ~he Inro~a~lon as we wouid. c6mpsnies a'utslde o~' lvlDN,~ that v4sh to alter you their products and services, ad described above, understand that ~e will continua to share in~ormat in these additional circumstances. lmpo~nnt Information A~out Your Choice: W~'~ dedicated to se~in~ your ne~ds - and to your choices rdated to prtva~, You mayteH us not share credit eii~ibili~ in[armation ~lthi, M ~NA, you may tell us not to share information wl~h compa~ outside or MBNA ~ha~ wish, to o~rer you their praduc and se~lc~s as described above. Iryou wish to opt out or such in~ormation sharin~, please ~ll 1-866-7~ I-] 2~. We will ask you to veri~ your iden~i and ~he specific accounts ~o which the op~ out so please have all your account, membership, or rdemnce numbers and your Social Securi~ number Taxpayer Identification'number ~or deposft accounts :v:{ able when ~ou c~IL MBNA applies op~ our.at t~e account eve, no~ by individual Cu~omer. When a~TpersoR']ls~ Nth .otb, bn an aCcoun~ opm out'(~or ~ample;'m '~-a~pli~nt, ia account ~alder, or abtfi6rized bs~r), we'~l ]l~t the anti account as havin~ opted out. MBNA will continue to adhere to Its disclosed .prl~a~.pr~lc~ ~o~.a6 even i~ i~ becomes ina~ive or i~:'clo~ed - ~. opt out [ram inro~ation sh.rin~ on. an accour as des~tbed above,.'elthef wlth'i6.~BNA a6d/or ~i~h companies outside o[,MBNA, rem61ns d{e~lve unles revoked in wd~ln¢. Federal regulations require provide this notice on an annual b~sts,'whether or an 'account has previously opted out [rom either o~ In~o~a~ion shartn~. Please mmembe~ bhen you receive our subsequent notices ~hat an a~unt previou: opt~ out {rom either or ~th ~es. pr idorma~ion shad (and oat revoked in wr tln~) does not need to be opted out asaln. This notice Rpdates and replaces ~ny previous notices tram M'BNA about the prlva~, securl~, and protection o~ in[ormation, For additional inrorm~io~ re~ardin~ MBNA's;'pdva~:practices:cancemin~ t~e lnt~met, and to view'he mos¥ recent v6rslon o~.t~is prtva~ notice, please ~o to ~.mbna.~ and clic~ on "Priva~ No,Ice." You may have other prlva~ te~lans under sta~e laws.' We ma~ amend this privac notice at any time, and we will nror~ ~ou ns required by taw. Wor~s Use~ O~e~ in T~i~'X~reem~nt "Agreement' or "~lt ~a~ A~re~ent" means these Addition~ Terms and C~nditions and ~he Re~ui~ Federal Disclosures {or the lnl~lal Dlsclosure~'and any chan~es we ma~e [o ~hose do~ments ~rom lime to "You" and "your' mean each and all of the pe~ons who a ~ran~ed. accep~ or use an account we hold. ~ou and ~u~ also mean nny other pemon who has 8uamn~eed payment c thls account (Your pr~r4L~ to Pa~/, and How V/s A/to Pa~menls, /or example), "Wa," "us,'."our" and "MBNA America" mean ~ America Ban~. N.A. "Card" me~ns ail ~he credl~ c~rds we Issue to ~ an7 o~her person wl~h a~tho~[ien for us~ on ~f pursuan~ ~a ~hJs A~reemenL "Access check" means an access chec~ we pray ma~ a Chec~ Cash Advance on your account. l( we use a capitalized ~erm in this documen~ b define ~he ~erm in this documenL the term has ch e~ven in the Eequ/red Federal Disclosures or ~he I; Disclosure, or.as used Jn ~our monthly sta~emenL ~e use seCion headineS {such as. Wo~ Us~ ~ ~r~m~t) to o~ganlze ~his Agreement, ~e a~ual tar We May Monier and Re.rd Te~o~ You consen~ to and authorEe M~NA ~eH~, ar any o~ your ~etephone conve~a~lons ~ith our ~pr~ or the mpresentat~es og any of those companies. Credlt RepoSing Agendas You a uthoflm MBNA ~eH~ ~o colJ~ you. Including ~dl~ mpo~ ~om consumer repa~lne If you believe we have furnished lnaccu~te or Inc info.etlon abou~ you or your account ~o a'cmdlt agent, wH~e us at: MBNA, Credit RepoSing Agencle Box 170~4, Wilmington, DE 19S~4-70~4. Please name, address, home phone number, and account and exp]aJn what you beli~e is Inac~te or Incomt How to Use Your Accottnt You may obtain ~dit Jn ~he fo~ of PurPoses an or o~her ~edR devices, pl~se re,er to your Required Disclosures or Initial Disclosure to det~lne what ~r constitute Pbr~ases and Cash Advances and ho~ ' ab~ln them. . ~ansaction Da~ ~or ~in ~ ~ The transaction date tot Ch~ Cash Advances and ~a~tem done by check Is ~e date ~u or the ~ whom ~he ~e~ is made pebble tlrs~ de.sits che~. ~e transaction date ~ora returned payment Cash Advance) is ~he date that ~he ~spo~din~ pay Purposes ~or Using Wur ~count You ma~ use your account ~or personal. ~amily, or pu~oses. You may not use your account for business commercial pu~es. You may not use a Check Cash Advance, or any other Cash-Advance, t0 make; this or any o~her ~dlt ac~unt with us. You may not u permit ~our a~ount to be us~ to make any ~llegal cmn 4 account number, or other credit device wlthiM'a~h~;~'s to obta in credit on your account, you ma~, be liable ~ar transactions made by that person lncludin~ transactions which you may no~ hsve intended to be ]labia, even [~ the of ~hose transamlans ~ us~s your crediHIm~t to be exceedec Authorized users of this accoun~ may have ~he same acc to i~ormatJon abou~ the accoun~ and ~s users as the accoun~ holders. Ho~ You Ma~ Stop Payment on an Access You tomy request a stqp pa~ent on an access check by providJn~ us with the access ~ec~ number, dollar amount. payee exacly as they appear on the access ch~. Oral and written stop,payment requests on an access che~ are for six months ~rom the d~y that we p~ace the atop payment You Ma~ Not Postdate an ~ccess Cfiee~ You may not gssue a postdated access che~ on your account. If you do postdate an access check, we may ele~ that presented It to us for payment, without In either case waiting fbt the date sho~ on the access ch~ ~e are ]~able to you for an7 Joss or e~ense In,fred by you ar s n out o~ [he a~lon we e]e~ to take. Yo~ Promise to P~F " YOU promise to pay us the ~moun~ of all ~edtt you obtain, which Includes ali Purchases and Cash Advances. You also promise to pay us all the amounts ot finance ~a~ [ees. and any other tmnsa~ions we charge a~ai~t ~r amoc Paymen~' o~ Y~ur Account YOu must pay each ~onth at least the TotaJ Minimum Payment Due shown on your monthly statement by ~our us at any time. Payments made In any bl]lln~ ~cle that are ~reater than the Total Minimum Payment Due will not affec your obligation to make the next ~ta[ Minimum'Payment Due. If you ore,ay or'l~ there Is a ~edit ba[anca on your account, we will .not pay Interest o~ such amounts. We re~e~ paymen~ tha~ are not dra~ In U.S. doIl~ and thos~ drawn on a financial InstRutlon I~te~ outside o[ the Unlt~ States. Payment of your Total Minimum Payment Due may n~t avoid th~ assessment o[ Overllmlt Fees. Whe~ Yo~r Payment Will B~ Credffed We credit payments a~ ot th~ date r~lved, It the payme~ Is: ( I ] received b~ 2 p.m, (Eastern ~m~};.[2) ~lved at the ad&ess shown In the u~per l~-hand ~m~r o{ the fmn~ ~our mon~h[~ ~tatement~ {~} ~ald ~ a ch~ drown In U.S, dollars on a U.D. financial [nsrl~rlon ora U.S. dollar money o~erl and (4} sent in the r~tu~ ~nvelope wRh o~1~ the ~op ~o~lan cl ~our'stat.ment a~amDanytn~ i~. Payments rec~ red after 2 D.m on any da~ nc ud n~ the Pa~en~ Doe Date, but ~hnt othe~lse m~t ~he above requirements, will I ct~dR~d as of ~he next day. Ct~dl~ tqr any ath~r may be delayed up to fly, da~. · . How We Allocate Your Pa~men~ _ W~ will alto~re your Da~n~ in the manner we determln, lower APR le.g., those with promotional APR 0ffersl paid bsfors eny other existin~ balances. Prornlse to PaF Applles to Ail Perso~ All persons who Initially or subsequently r~quest, gu~r~nte~ or use th~ account ,r~ IndividuAlly ~nd r~sponsibl~ ~or ,ny ~otal outstanding bnlanc,. W~ to r~i~s~ ~rom liability any p~rson who Is res~onslbl ~ny tmnl outstanding b.lanc., until .I1 of th~ c. rds, checks, and other credit d~vic~s ou~standlng ,ccoun~ hav~ b~n returned to us, and any such p~rs p~rsons r~p~ys us the tm.I outstanding bal.nc~ a~ .ny tIm~ under the terms oF this Agm~mem, Defaul~ You will be in dd[aul~ of this A{reemen~ if: (I) you ~ai mske any require~ Total Minimum Paten[ Due by Its Due Dale; (2} your ~otal outstanding balance ~ceeds,y ~it imR; or (3) you ~at[ to abide by any other te~ o[ A~mement. Solely [or the pu~oses o[ dete~lnln~ ~nce pu~hased ~hrou~h MBNA, you will be de~d,in or delinquent If you ~nil to make a payment within 90 your Payment Due Date. Our failur~ t~ exergise any rights when ~u defnult does not mean th,t we are u~al exercise those rights upon later default. When We May Require Immedia~ I[ you are in default we ~n require Immediate p~n 0[ your total outsta~dln~ balance and, unless proh~ll applicable Jaw and ~cep~ as othe~lse p~vlded un~e A~ltratlon and biti~atlon se~lon of this A~ree~e~t, ~ c also require you to pa~ the costs ~e Inqur n any co e proceeding, a~ well es reasonable aRomeys' f~s If we your account ~or collection to an z[tomeywho is no~ c s~laHed employee. Otfier PaFment Terms We can accept [a[e payments, ~Jal payments, or p~ with any restrictive writin~ wRhout ~oslne any o[ our under this ~reement. This means that no payment, Ir · ose marked with 'Paid in tull" or wl~ any other words, shall operate as an a~rd and ~t~fa~ion pr or written approva of one of our sen or offlce~. You not use a postdated check to make a paymenL Il ~u d dale a paymen~ chec~ we may elect to honor it upon meat or return It uncredited to the pemon ~h~t .pre[eh without In either ~se wai~ne for the date~hown on che~. We are not liable to you ~or any I~ss or expens, tncurred by you arizlne out a[ the ~ctlon we elect Payment HolidaFs We may allow you ~rom time to time to omR a paymenL We ~ill notl~ you when this option is aval[~ if you omit a payment, finance ~ar~es and any appllc ~ees will accrue on your account In a~otdance wRh Aereement. You must resume makin8 your~tal Mini Payment Due ea~ month followine a payment ho ~a' Transactlon~ Made ~n Forelgn C~rre~ I[ you make a transacHon in a [oreign ~rm~, the ~ian will be conveRed by Visa International or Intematlana[~ dependlne on which ~rd you use, into 6 provlae.tnat the curren~ conversion rate to,be used Ja el ( I ] a wholesale market rai:e or 12~ a in efi'ect one day prior to the procesain~ date. Increased E p~rc~n~ Jn e~ch.~se. Visa ~r Ma~rd re,Ins ~i~ one ~. a~ compensation ~r per~arm/n~ the curren~ conversion da~ may differ frdm the r~e in effect on the ~ransactJon c or the postin~ date· Your bJllin~ ~cle ends each month on a Closln~ determined by us,. Each bHlin~ ~cJe beEins on the da~ a the CIosJn~ Da~e'o~ the previous billln~ ~cle. Each refl,cts a singl, billing ~cle, ' ' ' Aeeoun~ .Fe~s"~nd Charges · Account Fees: The ~olJowin~ ~ees, which are set ~oEh oh Required Federal Disclosures oclnitlal Disclosure, are ~r~ as Purchases i~ the blllJn~'~cle In.which the ~ees (l~,a.Late Fee ti the Total Minimum Payment Due shown c ycur month y st~mcn ]: not mcclvcd by.ua on o~ Payment Due. D~te~- =. . · (2) an OverJlmit Fee If your N~. alanceTotal exce~s eL credit limit on the,last day o~ ~ billl~j ~cle, ~e~ It ~ees,o~ finance char~es ch~{e~y.:u~ ~us~ your Ne~ B~ anco Tm to exceed ~ur cedit limit; an O~rJlmlt Fee Is ~ar{ed to ~t account as o~ the day.tn the b[lllnj ~de ~t ~u~ tool out- standin~ balance og ~u~a~unt ~ceeds your ~dlt Ilml~ [3) a Returned Pa~me~F~e ;1~ a pa~ent on'your ~ccount I retu?ed ~ot insufficient'tuttis or ~or an7 other ~ason, ever R Is paid upon subsequent presentment: . 4 a R~tumed Cash AdVance ~he~ ~ee 1~ we ~etum en check unpaid tot any ~easb~, ~n ,it the ~c~ess check Is pat upon subsequent pres~n{~en~ ' . (~) a Copy Fee ~or each cppy oJ a monthly stalement or drak, except that the six ~ost ~ecen~ monthly~tatemen~s a s~ sales dra~s will 5e provided for [ree~ (~) an Annual Fee If your eqcou~[ Is open or I[~oU maln~in sccoum halenco, wheth~[yo~ haye a~tlve char~tn~ p~vile~e~ ASaado~ed Prope~ CharS~= Unless pmhibite~ b~ appllcat Jaw, we will ~ar{e your account, as a Pu~hase, for any Inked by us assoclated~ith m~pl~n{ wl~h ~ate abandon~ pmpe~ aws Please review yoa~ ~uired Fede~l ~lscJo~res or Disclosure ~or additional ?ecs and ~arses t~at may apply tc your account. .. ,. Benefi~ We may offer y6u ce~in ben~ and se~lm~ wl~ your ac~un~ Unless ~pms~ly ma~e a pa~ ot this Alinement, any su~' benefits or se~ces ~re no~'~ ~'o~ this A~emen~ ate subJe~ to the te~s and ~t~lmlons outlined In the benefl brochure and o~her ~lal ~cumen~ pm~d~ ~o ~u [rom time ~o ~lme by or ~n b~lt o~ MSNA'~e~. We may ~luS. add or delete behefltS and se~i~s al'any ~me and notice ~ ~u, Re~s~l to Honor ~o~r ~e are not liable ~o~ any refusal [o hanor your around. ~is ~n Include a re.sol to honor?our ~ or a~o~n~ num~ or any check written on ~ur ac~un~. We are not liable 7 We May S~spend er Close Your A, We may ~ual=end or close your account er othe note your right: to use your account, time and [or any reason. Your A~re~ment condnue even a~er we have done this destroy all cards, access ch~¢~ account where we Ye. Ma~ Close Yo.r Accou~ You m~y doss your accoun ~ by norl~in~ us. in v telephone. ~nd destroyin~ ~II cards, ace.ss chec~ credit device~ o~ th~ accounb Your Agreement condnue even aRer'you h~ve.dgne this Transactions A~er Your A~count ls When your account Is closed, you must contact authorized to charge transa~ions to your acquit, tmeme~ se~lce pr~iders, h.alth du~ or Insu~nc~ Thes~ transa~lons m.y continue' to be cha~ed'~o n~enqnt .nHI you eh.~e th~ billing. Also, have a~thorized a transa~ion or account ~ffet you haw requited to clo~e the ~cco m~y ~llow the ttaflsa~ion to be We May Amend'This A~reement We may amend this Ag~ement ,mend it by adding, ddetln~ or'~anglng ~rovislor Agreement. When we ,mend this Agreement ~ wi with the aDDII~ble notic~ requirements Delaware law that are la effe~ ~t that. tl~p. ~tv~s you the oDpo~unity to reject the ~ng~ and i, the change in the.manner ~mvld.d may terminate your rtgBt to r~c~lve g~dlt and may, tatum all credit devices as a con'dRton ut your t. Jec amended A~t~ement glncluding any higher tote charges or f~es~ wilt ~D~ly to the tot~l outstanding Including the balance ~stlng betore the amendment effective. We may tepia~ your ~ with another We May Sell Yo~r Account W~ may a~ an~ time, and without or tra ns~er ~our ac~unt, any sums due on ~our A~reement, or our riEhts ar obligations under 7our ~his Agreement ~o any pe~on or entl~. The perso~ to whom we make any such sale, assignmen~ or be entitled, to all o~ our ~hts an~or obligations un A~reement, to theextent sold, assigned or translem Your Credit Limit Your ~edl[ limR Is disclosed to you when you rec card and, ~enera y, on each monthly s~tement. chan~e ~ur ~edit limit from ~ime to the amount shown on your monthly statement CredR Available does nat rake into a~unt any, Purc Cash Advances, finance ~ar~es, or credt~ which post ~a your account aEer the Closl et that monthly statement, such transa~ions couk your cedlt limit beina exceeded and result el Overllmit Fees. .? authorizat[0ns at any time mus.t not be r~ore than your limit. Ifyou attempt a transaction which results in your " outstanding balance (plus.authorizations exceed ngyo credit I mt. we may: (11 permit the transaction without r. ~ your credit limit: 12} permit the transacl~n and treat [ amount of the transa~ion.that is more than the credit H as Immediately due: or [3) re,use ~o permit the :ransamj g we re[use :o permit the transa~lon. ~e may advise person who attempted the transaction that it has been re Ii we re,use to pe~it a Check Cash Advance or Balance Trans[er. we may do so by advising the person presenting Check Cash Advance or BaJance Transfer that credit has I re~used, that th&re are insufficient [unds ~o pay the Chec Cash AdvaRce or Balance Trans?er. or In any other I~ we have previously pe~Eed you :o ~ce~ it d~es not mean that we will pe~Jt you to ~ce~ ~ur cot J[mit again, ff we deci~e to pe~it you to ~ceed ypur we may charge an OverlimJt Fee as prov d~ n th s U~m~r~ U~ of Your Please not[~ us immedlately o~ the loss, the~, et poss unauthorized~b~e o[ y~ur acmunt at I-B00-421-2110 You Mast Note,'Us W~e~ Yo~ Cha~ge Your A22r~ss We stdve to keep acetate reco~s eot your bene~t a~d o The post offce and othe~ may noti~ us of a change to you address. When ~u ~ange your address, you must no~ u p~mptly of your new address. What ~w This Agreement is made in Delaware and we ~:end cre to you from Delaware. This Agreement Is ~ovemed by the ~aws of the State o[ Delaware ~wlthout regard to I~ laws principles) and by any appIIcabie [ederal la~. Agreement are Severable g any provision.o~ this Agreement is found to be lnvaltc the remaining provisions ~[11 continue to be effective. Our [ailute or de[~ygn ~etcislng any of our r~hts undo this ~reement does not mean that we am unable to ~er~ those rights later.. ArMtration .and Liti~at~o~ ~s Arbitration and Lltlgatlon'p~sion applies to ~u unless you were given the oppo~uni~ to ref~ the ~bitml and Litigation provisions and you did so rei~ them in the manner and Uae[tame ~ehul~d. I[ ~u did mie~ ef~l such a p~vision, you aereed that any litisatlon broueht by a~ainst us re~ardln~ this account or ~[s Aamement shall ~ brought In a court lo.ted In the State o~ Delaware. Any c~aim or dispute ['Claim'] by either you ot us a~aln the other, or a~ainst the employees, a~ents or ass[OhS o~ t other, arising ~rom or relating In any way [o this A~reemen any prior Agreement or your account [whether under a statute, in contraS, to~ or othe~ise and whether [or mol damages, penalties or declarato~ or equitable mlie~, Inclu~ 9 The arbitration shall be conducted bythe National Forum ("NAF'J, under the C~de o~ Pro;:edure In the Claim Is ii]ed. RuJes and formaof.the Nat:i0na~ Ari Forum may be obtained and Claims maybe ~'iled at an Arbitration Forum olfice, www.~rb-Yorum cc:m, or P.O. Minneaporis, Minnesota ~5403, telephone 1-800-~$74.2 NAF is unable or unwitlln~ to act as arbitrator, we n suture anoi'.her nationally reco~nized, lndependen~ orBaniza~ion.~hat uses a similar cede olpmcedure,, written request, we will advance any arbitration adminis~raHve ~nd hearinB ~ees whlch~ou m~e requir pay ~o pur~ue a Claim in arbitraHon, l he arb[~ra~ot~ decide ~ho wil~ be ultimately responsible for payini ~e~s. In no even~ wll[ 7ou be required to reimburse arbitration ~illn~, adminis[raUve or hearin~ Breater ~han wha~ your cou~ costs would have been Claim had been resolved in a state cou~ wl~h lurJsdi~ Any arbitration hear[nc at which you nppe~[.~ll~ within ~he federal ~udidal distri~ that Inqlu~gs your l address at ~he time the Claim Is filed. This arbj~[o commerce and shall be ~ovemed by the Fedfral Am. g U.5.C. ~ 1-16 ("F~"]. Jud~meflt upon ~X arb award may be entered in any cou~ havin~ ~urisd~ion, erbltm~or shall ~ollow ~lstin8 substantive [aWto the ~nslstent with the F~ and applicable staLut~ of limiq and shall honor any claims or p~vtle~ re~snlzed'b~ pa~ request, the arbitrator shall write an oplnton.ce~ ~he reasons [or che awaY, Ho Claim subml~ed ~ arbitration is hea~.by no Claim may be brought as a class acClon or as a~torney ~eneral, You do not have Che rlEhc ~o a~ as repmsentaCIve or paKIclpa~e as m member ~f a class c claimants ~fth respe~ to any Claim. TNb bltigatlon Section applies to all Claims now In that may arise I~ the future. This Arbitration add LJdBatlon Sec~ion shall su~iw termination o~ your account ~ith us as well as any vol payment, of the de~t In [u[I ~ you, any bankrupt~ by sale oY the debt by For the purposes 0[ this Arbitration and ~Itlgatlon "we" and 'us" means MSNA America Bank, N.~, I~ pa subsidiaries, affiliates, licensees, predecessom, succe~ assiBns, and any purchaser o[ your account,~and alt officers, directors, employees, a~ents a~d assigns or a all o~ them. Additlonally:'we' or 'ps' sh~ll mean any pa~ provldln~ bene[i~, se~lces, or produc~s In corm with the account llncluding but not I~mlted to cr~lt mer~an~ that accept any credit de.ce issued ufider a~ount, rowans or enrollment se~ices, cmdlt'insum~ companies, debt ~lle~o~ and all o~ their o[li~, dim employees and a~entsl If, and only I[, su~ a third par named by you as a ~-defendant In any ~al~.Tou r~ any paK o[ thl~ A~it~tlon and Utl{atlon So. Ion ~ound to be invalid or unenforceable under any law consistent with the F~ the remainder of this Arbitral Litigation Section shall be enforceable wltheut,re~ard Invalidity or unenforceability. THE RESULT OFTHIS ARBIT~TION A~REEME~ EXCEPT AS PROVIDED ABOVE. C~IMS ~NHOT 'GATED IN COURT. INCLUDIHG SOME C~IMS THAT l0 }L,INII't~TION~5, r. jOSTM ~ EXCLUSION~ !CONSUMER P R OTlgCT I ON .DI~CL'OSU RES' '.- ~CREDIT INSU~NCE IS: NOT A DEPO~IT;"NOT FDIC- : INSURED; NOT INSURED BY A~ FEDE~L GO~RNMEN ;AGEN~;.~D NqT GU~IEED BY 7HE B~K. ] PURC~SE, OF CREDIT INSU~CE IS NOT. A ~ OF OBTA]NING CREDIT. IF C6~GE IS D~IRED, . ~Y BE PURCHASED Credli Insurance pays3ou.r.m~ni~um monthly payment' I up to your balance on the'~ate d dss {not to exceed $2~,001 excep: disability In MN), until ?o6 returh to work~' J[ you are J invdluntar y unemployed, ~P~a[ Y disable, or if you or your spouse takes covered family leave: Cre'dit Insura'nce also pays your insured outstandin~'balance up to th& least of you ~ outstanding balance, your cred t [ m: (net AL, ~, DC, ID, IL, IA,~,MD, MN MS NV, ND OH, OK [ [ll~lbtli~ One insured per account (insured m~st'be the' eligible), under a~e 66 [70 In ~', NV &V~ 71 In F~,'GA,'MI, MO & OK; 72 in NM)..Your core.ge ends at these same ,(except family leave tn ~,..~ & SD & unemployment]. When · .enrolled, certificates will be mall~ explainin~ ybur &effective date. In MN, unemployment ~venie Is~ffectlve ~ 61 days from your ce~lfl~te effe~e date. For I or.family leave benefits, you must'be gainfully employe~ ' ~ ~ing at least 30 h~wk [not self~mp;o~ ot an I~dependen ' cont~or) :or 90 consecutive da~ beiore the date of ~oss ' · (CO - before appficat~ob dateL (PA -on t5e date el IossL (TX - before, coverage eEe~lv~ date ~r unemp{oymentL Employees o~ professional co~oratlons may be ' Cov~aes & Benefl~ Credlt'lnsutance c~:your ,death: Invo untau'unemp oyment due to'~ob oss, ~eneral ; strike, unionized labor d~s~ut&; or 16ckout;*total dlsablll~ due ~ to st~ness or in]uu ii you are unable to ~e~orm the matedal & substantial duties el your lob {or any lob after 12 mos. PA:' 18 mos, In AL, ~, AR, CA, DE. DC, GA, HI, ID, IL. IA, WI & ~): your or your spouse's unpaid leave of absence from employment due to ca~ oi ~ur ne~bom or newly adopted I ~ d or an In~padtated mmedlate faro y member.impst be { spouse, child, stepchild or parent [n AK): mandatou ~all to ~ attire militau duU: luU du~ I~cept in ~}: or r~dence ~ a ~ederally declared disaster.area, Loss (not death).mast I continue at least 30 days be[6re benefits beg~n. In ~ stdkes,.union~zed labor disputes & lockout, you. must be~ i unemployed lot 7 cons~ut ye wee~ & qua ~ or state unem ' p~byment benefits before behests be~in. A daily benefit I pai'd'~or each day of loss ~er 30 days for unemployment ~ NY & PA and disability in ~ ~, G~ NY, MI, P~ RI ~ You may cance~ this ~overa~e at any time. If canceled within ~ the first 30 days of ~vemEe, all premtbms ~ll ~ refunded, ~ Exclustoas~ Effe: su~dde.ln the flint 6 men~s~[.coyerage ~(not MD & MOL Invo[untau U~emp~oyment: retirement, res~gnatio~ volunta~ ~off&ture ef income or ob ;ess due to ~w~ ful or ~lm~na misconduct, dl~bi I~, strikes In' L.'~i ta~ . discharge in NY & normal seasonal unemployment In'~. ~ DlsabfliW: normal pregnan~ er childbiKh (not ~, In ent onalty sel[-infl~cted lnlu[les (not MOl ora pre-exlst~ng ~ med~ca( condition ~urlng fi~t 6 months of coverage (not N , exp'lar~atlon of coverage." ' Costs per $ lO0 per Month 6f Avera~:e Dally Balanc Coats apply i;o Life (L), Dl~abilJ~ (DJ, Un~p oy~ent Family Leave IF): A~ ~4.~; AK 78c; ~ ~9.9c; AR 99c; 89.9¢; CO ~0.66c: CT 42.&gc:,DE 99.9¢; DC 99.9:; FL 90,&¢; HI 89.91¢; ID 993¢ (L ~:~¢, D 16,9¢, U 54~, F 20c); 80,97c: IN 96¢: lA 97.8¢ (g 7.2C~ D 16.6¢, U 54c, F 20c); 85.47c: gY 97.4c; ~ 99.93~: ME' 5~.0S¢:'MD 79.74c: MI 8~,7c; MN 31.47c; M~ 97,5¢; MO 61.1¢; MT 93,9c; 95.8¢: NV 99.87c; NH 9~¢; N~ B7¢; NM ~8.9c; NY ~2,5c D 26.8c, U 16.9c): NC TI.3~: ND 94.97:: OH 99.9c: O~ OR 80.8c; PA 3~.1¢~ PR 99c~ RI 99,~¢; SC ?~.8¢; SD 99.9c: 92.~c: ~ 33.7¢ (L 4.8c, D 12.9¢, U 16c)~ UT 90.44¢: (g 6.58¢, O 12.24c, F 16c)~ VA 84¢ (L 6.]¢, D 8.9:. U 49c, 20¢]; WA 89.39¢; ~ 99.5c; ~11 93.6C (L ~.Tc, D 8,9c, U 20¢) & ~ 6vallsbill~ Invo[unta~ Unemployment Is not availab MA or ~, Family Leave is not available in AL ~, MA M MN, NM, NY, PA, or ~ Unde~r~l~ Comaani-~oll~: Involuntaff Unemployment: AmeH~n ~ecurlty~Ol(~5). LOI NY(~9 and LOIC-IP: Standard Ouaran~O LOI (~) (NH only). Life & Dlsabili~: Union Secufl~ Lt[~-t-Z, L~-G in ~, RI, SD. ~;.WA. ~ & ~; Standard Guamn~ M[e (TX only L-I-Zi~2)(3,~3~L First Fo~ls Life (NY Ll~e onlyFNY~0 ~erlcan 5ecu/i~ (NY Dlsablll~ only~-S;A Fo~is Insurance {ME only)~-X-A, Family Leave: ~erl~n 8ecurl~/FLP (4/g7), F&p-~ 1~7} In ~, ~P-NC {~98J FLP-OKI4~7) In OK, ~P-VA[~S) In VA, ~-IP(~)(?~8) Ir (4~91 in ME; ~-IP-~[4~7) in ~; 8:anda~ Ouamnty/FgP (4/97) in NH: Union S~uri~ LI[~LP-~4~7) ln~ Solid a&ents for Misslsslppl and Florida are Charles M. Gordon a Pamela CuAIs respe~Ively, The creditor may receive compensation In conne~ion this offer. It is a crime to provide galse or mlsl~adln~ in~o~ation to insurer [o~ the purpose of defrauding the Insurer or any othe penon. Penalties Include Imprisonment an~ar fin~. In addlt an Insurer may deny lnsu~nce benefits I~ false Information materially re~ated to a claim was provided by the appli~n~. 'Less past due and over credit limit amounts. In MI, co~ age page 5% of the balance on your date GE dlsab(li~ up to ~ i2~0. In OR, coverage pays the.creater og 1/36th o~ the anco or the current minimum payment due on ~ur date loss In NY & PA, coveraee pays the minimum payment on your date of loss. In ~ mverage pays the creater gout Insured outstandln& balance on your date o~ unempic meat or your minimum monthly payment. · ~he number of monthly benefit pa~enm will not ~ed [or gamll? leave: 12 for ~empl~ent In ~, ~ ~, IL, ML MO, NM, NC. NY, P~ SC & ~: 12 for dl~bill~ In A~ CO, FL ~, ~ MO, MT, N~ NH, NM, NC, OR, SC, ~DV~ ~, HI & TX R~ideam Oal~ ~ pu~ase co~mges sepamt ware to Assumn: Group, R O, B~ ~03~, ~lanta. ~ 30302. Appl1~tions will be sent to ~u. 2/9/~1 MBNAUbOI IMBHA- L/D/Uncapped LoFFL,] 25000 DISC--10t MBNA America® and ~olctPlus® am federally registered marks of MBN^ America Bank. NA. ~ 2000 MBN^ America Bank. N.A. AGMT90 (Revised 4/2001) EXHIBIT "B" MBNA America Bank, N.A. c/o Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 702 King Farm Blvd, Two Irvington Centre Rockville, MD 20850-5775 CLAIMANT(s), Carl Snyder 201 York Rd NEW CUMBERLND, PA 170702464 NATIONAL ARBITRATION FORUM ® AWARD MBNA America Bank, N.A. v Carl Snyder File Number: FA0212000136632 Claimant File Number: 4800127037001380 RESPONDENT(s). The undersigned Arbitrator in this case FINDS: 1. That no known conflict of interest exists. 2. That on or before 12/06/2002 the Parties entered into an agreement providing that this matter shall be resolved in accordance with the Forum Code of Procedure. 3. That the Claimant has filed a claim with the Forum and served it on the Respondent. 4. That the matter has proceeded in accord with the applicable Forum Code of Procedure. 5. The Parties have had the opportunity to present all evidence and information to the Arbitrator. 6. That the Arbitrator has reviewed all evidence and information submitted in this case. 7. That the information and evidence submitted supports the issuance of an Award as stated. Therefore, the Arbitrator ISSUES: An Award in favor of the Claimant, for a total amount of $15,728.12. Entered in the State of Pennsylvania Arbitrator Date: 03/11/2003 ACKNOWLEDGEMENT This Award was duly entered and delivered to the parties on this date. Honorable Harold Kalina Director of Arbitration 03/11/2003 It . MBNA AMERICA 655 PAPER MILL R( MAIL STOP 1411 WILMINGTON DE VS. CARL SNYDER TO THEPROTHON£ Please dismiss IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ANK, N.A. : No. 03-4826 )AD : : 9884-1411 : Plaintiff : : : Defendant : PRAECIPE TO DISMISS TARY: :he above captioned action without prejudice. Respectfully submitted, Amy F. Wcli ~, ir, squire/ WOLFSON, ASSOCIATES, P.C. 267 East Market Street York, PA 17403 (717) 846-1252 ID No. 87062 Attorney i-bt Plaintiff