HomeMy WebLinkAbout07-4608IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff No ~ 07- ~(~8 C;,,; L ~~~
vs.
JOHN H ODONNELL
COMPLAINT IN CIVIL ACTION
Defendant FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C. Warmbrodt,42524
WELTMAN, WEINBERG & REIS CU., L.P.A.
436 Seventh Avenue, Suite 2718
Pittsburgh, PA 15219
(412) 434-7955
FAX: 412-338-7130
06057486 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
JOHN H ODONNELL
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:
JOHN H ODONNELL
116 MEALS DR
CARLISLE, PA 17015
3. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number 4417122983231516
4. Defendant made use of said credit card and has a current balance
due of $2449.77 .
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 $300.00 .
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 JOHN H ODONNELL INDIVIDUALLY in the amount of
$2449.77 with continuing finance charges thereon at the rate of 6.000%
per annum from July 16, 2007 plus costs.
06057486 C J Pit SJS
James
436 S
Pitt
(41
FAX.
. wvarmbroclt, 42524
WEINBERG & REIS CO., L.P.A.
e th Avenue, Suite 2718
gh, PA 15219
4-7955
2-338-7130
This law firm is a debt collector att p ing to collect this debt for
our client and any information obtain d will be used for that purpose.
Page 1 of 2
Statement for account number: 44171229 8323 1518
New Balance Payment Due Dats Past Due Amount Minimum Payment
Sz,4as.7T o5rovo7 55zs.oo 51.1o2.n
Amount Encbaed $ Aleka Your check payaNalo Chess GM Benlees.
New address a e-rrtetl? Rnl on back.
p.RV 1 g'
~~~y~~
4417122983231516D0110277002449770000000
te<ax Blx z mtar c
JOHN H ODONNELL
118 MEALS DR
CARLISLE PA 17013.3100
IrrJIIJrrlydrlrrlrrllrrrlrlrrrrllrldrrrllrrlJrrrllrrllrrl
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19888.6153
1:S000i60281: 22L298323L5L631r
~ ~ 1
' 12/07
MER S
~
~
p.
~
'"' M~mum Paymentt Due: 77 n U.S.
800 291.2568
$
2
Espanol 1-88&408.3309
TDD 1-800.956-8f16p
PeY by phone 1-800-4967969
Outside U.S. cell collect
VISA ACCOUNT SUMMARY Account Number: 4417122983231576 1-302-694-8200
Previous Balance
Purchases, Ceeh
Debits $2,349.93 Total Credit Line
+~
~ ACCOUNT INCUIRIES
~•~
P.O. Box 15296
,
Finance Charges ~
Available Credit
+$80.80 Cash Aces Un W Wilmingon, DE 79850-5296
New Balance a
$2,449.77 Available for Ceeh $4
$0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 198865163
VISIT US AT:
www.chaae uroMcred~t -rda
You havanY made the required payments and your credit card account is 90 days past due. As
e result, your credit bureau may be updated with a negetlve retlng. Please send your peymenl
immediately or call us al 1-800-9665030 (collect 1-302-6948200) today.
ORVIS REWARDS VISA SUMMARY _
Previous panto balance --- 0
Pants transferred in Syy
Pointe eemed from Orvie pumhases 0
Prints eemed fran pumhaeea 0
Pointe unavaikble for redemptbn,39
Poime trenelerred to Orvla g
TRANSACTIONS
i rens
Date Relevance Number Mercham Name or Trensac8on Deacri lion Amount
P Credit Debit
04/05 ~
9.00
FINANCE CHARGES
Finark~ Charge
Deily Periodic Rate Corresp. Averege Daily Balance Due To Treneac5on Axumulated FINANCE
Category 91 days in cycle APR Perodk Rate Fee Fln Charge CHARGES
Pumheaee V .08217% 29.99% 52.356.44 $60.03 $0.00 50.00 $60.09
Cash advances V .08217% 29.99% $31.51 $0.61 $0.00 $0.00 $0.81
Total finance charges ~ ~
EHacUva Annual Parcanhge Raq (APR): 29.99%
Please see Inlorma5on Ahoul Your Account aecaon for balance computation metltod, grace period, and oUer important information.
The Correapondirg APR is the rate of interest you pay when you carry a balance on any transacson category.
The Effectlve APR represenfe yow total finance charges -Including traneactlon fees
such as cash advance and balance lransler lase -expressed as a percentage.
IMPORTANT NEWS
PLEASE NOTE THAT YOUR PAYMENT DUE DATE HAS CHANGED
AND IS EARLIER THAN IN PREVIOUS MONTHS. TO SELECT A PAYMENT
DUE DATE THAT WORKS BEST FOR YOU. PLEASE CALL CUSTOMER
SERVICE. 70 PAV THE AMOUNT DUE, YOU CAN ACCESS OUR
WEBSITE DISPLAYED ON THIS STATEMEM OR CALL 1-SOb438-796a.
This Statement is a Facsimile -Not an original
X 0000001 FISf3335 C 3 000 N 2 11 0),e1/11 Pepe t d l OIe02 M4 MA 18x34 101 r00p0030001 Ba3~01
https: //instantimage. bankone. net/S tar/j sp/PrintDirectly.-j sp
EXHIBIT
6/5/2007
Page 2 of 2
Address Change Request
Please provide informaDOn below only If the addreae intormetlan on front is incorrect.
Sheet Address: --~------------------
clry: -----------
state: --
ZaP. ----- ----
Home Phone: --- --- ----
Work Plane: --- --__
E-moil Addreae: --------
L
Inlermatlea Akal Ynr Accanl
Leh ar Blobs Calla: Please roDOrt your lost orstolen card immedietelyb
wlling the Customer Serviw number found on the front Cf your sbtemen
~ Advisors are always avaiable to assist you. Vou can read[ an Advisor
presdng D after yrou enter your account number
Cnlitln0 N Paymeab: For paymenb by regular TLS. mail, sand at lea9
your minimum payment duenour post omce box tlesignatatl for paymm
shown on Ibis sbtemenl. Your payments by mall must comply whh Ih
mslruclions on this snlemeni and muss be made by check or money orde
payable in U.S. Dollars, and drawn on pr payable Through a U.S. firlancia
inatltutlon or Me U.S. branch of a fordgn firuncial iwdtution. DD not sari
s ash. Write your account number on your Meck or money prtler. Payment
_ mull beaCCOmpanletl by Me payment coupon in Me envelope proNtletl cal
: our address visible through Me envelope window; Me envelope wnno
~ conldn more than one payment or coupon; and Mere Can be na snples
paper clips, ripe or correspondence included wllh your payment If you
wymem is in accordance will our wyment instructions and is mad
available to m on any tlay exwpt December 25 by 1:00 p,m. fowl time a
our Dost office boz deaignatetl for payments on min statement, we will cratli
Me payment to your account as of Mat day. If your payment is in accordant
vdM our payment insirugions, but is made available to us after 1:00 p.m.
fowl tlme at our past oliice boz designated br payments on this statement,
we will credit n to your account as of Me next day. If you do not fopow our
payment ins[ructiana or if your payment is not sent by regular U.S. mail W
our post oRlce Dpz designated for payments. crediting of yourpayment may
be delayed for up to 5 tlays. Payments made deClronically through our
aunmand Islephone service, Customer Service adWSOrs, or our web site
will De sublecl to any Drocassinp limes tllscloeetl for moae payments.
AccoaN InlermNioa Rapadad to Cndit Bnnaaa: We may report
Inlormalion about your accoum to credit burww. Late payments, missed
payments pr Amer defaults an your account may be reNected in your credit
repod. II you think we have repoded inaccurate information Ip a credit
bureau, you may write to w at me CaMmamber Service address listed on
your billing abfemen[.
NNke AYaI Flaetrsaie Cheek Cwvenin: When you provide a check as
payment youauthodza us timer to use information from yourdleck to make
a one-time NectroniC flab tnnster from your account or tp Drwess Me
payment es a check trareection. When we use Information from your Check
to make an dedrpnic fund transfer, funds may ba withdrawn from your
account as soon as the same day we receive your payment and you will nut
receive your check back Irom your financial instltution. Call me Customer
service number on tlds satement if you have questions about electronic
check collection or do not want your payments collected elBCtroniwlly.
CoalltlnN Papnub: Arty payment check or Omer form of payment mat
you send us far less than Me fall balance due that is marked "paid In full' or
conlaiw a similar nobtlon, or Out you omervdse lender in full salisfactlon
of a tlispuled amount, mat De sent n GN Services, P.O. Box 15049,
Wilmington, DE 19850-5049. We reserve all our tights repardng these
wymenb (e.q., II it is determined there is no valid dispute or if arty suds
dleck is received at any other address, we may acwpt me check and ypu
will still awe any remaining balance). We may rNuse to accept any such
payment by retuminq it to you, not cashing it or destroying it. All other
paymenb mat you make ahoultl De sat re Me appropdate payment atl0ress.
Anal Rawl Nalka: If your account has an annwl lee, it witl ba billed
each ynr or in monthty inanllmwOS, whetlur pr riot you use your account,
and you agree to Day it when billed. The amual fee is non-refundable unleu
you polity w Out you wish tp dwe yow atwum within 30 days of Me den
we mail your satement on wNCh Me annual fee is charged end at Ou same
time, ypu pay your oubtantling baance in Full. ypur payment of the annual
lee does not affect our dgh13 tp close your account and to limit your right Ip
make transactiow on your appOUn[. If your account is closetl by you or w,
wa will continue to charge the annual fee until you Day your outstanding
wlence in lull antl terminate your account relatlpnahiD.
Eealanliee N Finney Ckager. We calculate periodk firence charges,
using Me appliwble parodic rates shown on this statement separatdy for
each feature (e.g., balance transfer/corrvenience checks and cash advance
cnecks (`check tansacton"),purchases, wlence trenstero, cash eOVancea,
promotional balances or overtlreN awances). These wlculatlons may
Campine different categories aim Me same daily periodic rates. II there is a
'V" next to a periodic rate on mi9 sbtemanl, mat rete may vary, and the
indm and margin used la determine WI rate and its corresponding APR are
descdbed in your Cardmember Agreement, as amended. Thera is a
minimum fiance charge in erry billing rycle in which you owe arty pariotllc
finanw charges, and a tansaction fiance charge for each DUance transfer,
cash awance, or checN transaction, in the amounts statetl in ypur
Cardmember Agreement, u amended.
To get Me tlairy bdance for each tlay of Me current billing cycle, we tike [Ae
bepirninq beurce for Nth feawn, atltl ary new Nanvwons or ether tlebits
(including teas, unwid finanw Charges antl Omar charyss), subtract arty
payments or credits, and make Omar adjuslmenW. Tnnsectlons are addetl
as of me transacton date, Me bapirminp of Me bilXriq rydain which may era
posted tp your accoWd, or a later don of our chdw (mccepi Ma[ check
transedions era etldstl as pl Me dale deposin0 Dy the wYee ar a tanr ate
of our choicel. Fees are atldetl either on Ms dale of a rdatetl IranwC[ion, the
date they are posted (o your account ar the last day of the billing rycla. This
y Olvu w that day's daily balance. A credit Wlance is treated a9 a balance of
1, taro. II a daily pedodie rate applies to any feature, we multipty Me daily
by bNence by Me deity pedodie rate n gN your periodic finanw charges for
Mat tlay. We Men atltl these periodic finance charges to your daily balance
t to pN Me beginning bdance forme next day (If more Man one daily periodic
n rile could appty based on Me average daily balance, we will use [ha tlaily
e periodic rate Mal aDDliw tar Me avenge daily balance amount at the antl of
r Me billing cycle l0 calculate Iha deity periodic finance charge each day.)
I To gel your rolal penatlic finance charge Ipr a billing cycle when a daily
d Dedodic ran(s)aDPlles, we adtlall of me datly Deriotlic financecharAes for all
s Imtures. To dennnine en avenge daily wnnce, we adtl your tlairy balances
M and tlivida by the number of me days in me applicable billing Dyde(s). If you
1 multiply Ma average daily bannw for each feaure by Me aDDliceble daily
periodic rite, antl Mm multlDly each of mane results by Me number of tlays
~ In the appliwble biling type(s), and Men add all of Me results lopelhet the
e total vdll also equal the pedodie finance charges for me biling ryde, except
t for minor variations due to rounding. TO pet yourtotal pedodie finance charge
t for a billing rycle when a monMly periodic rate(s) applies, mWDply the
p average daay habllee for each feature Dy Me appliwble monihNDVieOie re[e
aria atltl Me results togemer. The IaNlwlll equal me periotlic finanw charges
for Me hlfling cycle, accept for minor variatlpns due to rounding.
Cote PSdod (at bast 20 days):
We accrue pedodie lirenca charges an a transaction, fee, or finance charge
from Me date if is added to your daily balance until payment in lull is
received an your account. However, wa do not charge periodic fiance
charges on new purohasw billed during a billing cycie if we receive bolo
wyment of your New Balance on your Current statement by the date antl
tlme your payment is due and also payment pl ypur New Balance on your
previous statement by Me dale and time your paymem was due. There is no
grace period for balance tnnslen, cash advances, check Transactions, or
overdraft advances.
In addNin, it tb•n is a "Oudiryinq Pranotionl Fiaaniaq' action on
MIa sbtemeN, you will not incur pedodie firunce charges on any
Remaining Babnw Mat eppean in that sectron if you pay Met balance in lull
by the applicable Expiration Date. To avoid finance charges on new
purchases when your New Balance indu0ea any Remaining Balance(s) in
the Owliying Promodpwl Financing sectlon, pay your full New Baance
mina the total of those Remaining Balance(sy by Me tlale and time your
paymem is due. Howwer, it your statement shows that a minimum payment
is due, we mat receive at least that minimum payment by Me daleand Dme
spedfiad on ypur statement, wen if your New Balance consists only of
Owlifyinp Promo6onel Financing balances.
Also, for some Dwlitying Promotlonal Financing balances, periodic finance
charges accrue during the Orpmptlonel pedod but era not added to your
account balance. Instead, they accumdale Nom billin0 ryde to billing rycle.
TNa is referred to as "deferretl interest" If a deferred interest Owlityinp
Promotlorul flwndrp balance is not Daid in full M' Me appliwble Ezpiretlon
Date, Me deferred finance charges will be added tp your account as soon as
Me first day oiler me Expiration Date. Further it you delaWt under the terms
of your Cardmember Agreement [ha deferred finance rharpes will be added
to your account as soon as the date of defaNl.
BILLING RIGHTS SUMk1ARY
la Gn N Fwm er Guaatieas Akom You BIII: If you Mink your bill is
wnOng, or if you need mare Innrma110n BDOUI a ifar198pfi0n on your bill, WfII9
Grdmember Service on a sewrab sheet a[ P.O. Bw 15299 Wilmington, DE
190503299 as soon a possible. We mat bar Irom you no titer Men 60
Jaya aber we sent ypu the first bill on which Me error pr problem appeared.
Vou can tNephone w, but doing so wig not preserve your rights.
In your lever, give w Ma following informaton.
• Your name and account number
• The dollar amount of the auapec[etl error
• Oescrihe Me error and explain, it you can, why you believe there is an error
II you need more information, describe the item you are aware about.
You tlo not have tp Ory any amount in question while we are inuesDAaling,
but you are still obligatetl to Day the pads of your bill Mat are not In
question. While we invastigale your question, we cannot repod you as
delinquent or take action to collect me amount you question. If you have
authoriZetl us to pay your credit card bill automatically Irom yow savings or
checking account, you can slop the payment on any amount you Think is
wrong. To stop the payment your fader or all (wing Me Cadmember
Serviw atltlress or IeleDhpne number shown on this sntemen0 must reach
us al least three business tlays before the automatic wyment is scheduled
to occur
Sladal RWa far CndN Cad PanNaes: If you hwe a problem whh Me
gwllry of goods or services Mat you purchaiad aim a cretllt cartl (ezdudlnq
purchases made with a check), and you have Mad in goad IaIM to cored
Me problem with Me merclunt you may not have to pay Me remaining
amount due on Me goads or services Vou have Mis pralecfion only when
Me purchase prke was more Man S50 and the purchase was made in your
home ebb or wimin 100 mgas of your mailing eddreas. Thane limindom
Oo not apply If we own or operate the merchant, or if we mailed you Me
aduertisemanl for the property ar services.
MA021207
https://instantimage.bankone.net/Star/jsp/PrintDirectly.jsp 6/5/2007
~ardmember ~Agreernen~
CtdAt2a'75
ACCEPTANCE DFTHIS A6Bl:F1Kf:1V'(
This agreamenl governs your credit card accoont with vs rotorented an the card carrier
contsininp the card tot this account Any use of your t ccaunlis covered by thk agraemam.
Please n.d the entire agreement end keep it for Your rarnrds You snUmriza us to ptY
for and chetge Your accauat for aA vansacdoas mode on your eccorett You pnrmisa Ia
pay us far eg vtnsettiores made 0 ouot r othw n u~iaviduoll~is responsible tar paying
If this b a joint accouid, each I y 9 a ooa d you
eA amounts owed, evoa i the account is usa6 by n1Y
Pkasa sign the back d Your uodd card whoa You receive rc You wig fro ~oz~i4 w n i
egreernantQ ~ or enyoue auUsorhed by you use Pout account far arty Pure
you don't sipnyour old yyheUtar you us. YaYf account ornaL yon be bound by the
a grsemard unless you caeca) your a~countavilhbr 30 days otter rocehdrig Yaw card end
you hrve notus~d Youraccaunt(orsrry putP°SB
T'hratrphoutlhlcaprasaMLdtswords'wr","us and "on Or eeor~e~Ba~ masNrru~
the issuer of your eradd sand and ascoimt Tha vwrds'y Y rsanwlie eppied
persons rasptuua3H tar mmPWing with This agrestaent,inctudrngtha M y~ as snY
far the eccoun[ end flu parson to whom vet address btdmp stabmaats, as
person who agrees W be6e61a on the account Tha ward'card'mesns taae x moo cords
cr ether access devices, such as account Humbert, that we have issued to Permit you
is obtain coda under this agreement
USING YDUB ACCDUNT lemil or
Your account h e consumer aecaun! and zhould be used only for parsanal, Y
far merehendisasor senicoi pwehosed orslaased thrmilgh u e atYou6aso°un[ Yotu
promua to ace Y°w a el a some pinsas~lt rs notour re pansibBNy'to make ear ~t Yon
gambgnp may ba ibp smeissffila transactions-end you wiY nrasia raspwwbta tar
use your account only (or p
F:yinp for a tree=ectioa oven i h is eat paraisslblo
Types of TrarisaUimrr. tli: Or teraRel:
• PutcbasacYau irtry use Your card to pay lort¢oo
• Chscls~ Wa maY Provide you cash advance checks ar balance uensfffi chrt:ks es a
wry m use yaw eccoairt We else refer m them in this apnamam ss o cheek r accourd,
Yau may use ^ check topty far goods or sarv(ees, to uaaslarbatleneastaYau
of tar other uses wa elbW Bm you may riot use theca checks to veat(u~ba1D~ ~
this aeeourd hero alhv aced andiaiehetk map sign the elsckdCa~ edvanu cheeks
patsaa whose Hems is print
are veet9d as cash advances end brhnca Vanafsr checfrs era vae~ d w ~~ !
venstars except as noted is this agraoment w nny offorwa rocks is ys Vya Y
cfietks tletwe cog c°waetiance checks es balance vansfer cite sub e~dto~des urrns
rhatwe leg cortvenbnn cheeks and thatwtindieatedta you j
(or cash advnncas, may ba se aced s s cash advances end assessed rash advaoco rotes
and teas
• Bnlaace TrrnsforsYau may vansfer balances Irom other eccoimts mtoenswith of er
cradA cars issuers or tAhar lenders to this aceoureL or other baleen trrnsfsrsws eUow
But you n oy not Iransler bafensos to Uiis account tram other seeounts tvitli us or arty
of our raretsd ewryadns g a p°oeass as rental belancaatronslar nprt~our aw7ablo
avaiUhk trsdd fine, ors may p p
credit Tin-
- Cash gdvansss: You may use your card to gat cash Irom outsmatic fatlar piachaies. of
frnm Ifnancisl insUUnions ecnpting ttta card; or to obtain tnwlars tbacks, toraign
cwrency.mona .ords c wirerVe;s~ k~ Trsrnr lnr imgah6otorW VaasaoLm°n~~au
Gckats, ceshro g raiop hips.
mgyalsq use a eh'rai ~nyser+nea to rock, w fyymarrt nnyawba>•aC and tallllx pa<Yn~
io thfs acwunt
Dvardralf Adsancets II Yau have on ehgi~lt chackirtg accounlwith one al aw related
banks, you ma link Wk account to yo could ~ er the urrtisiol this spnement end
ewer an o raft on that checking
yourehecking teeoumagrenment
B(IilnpCydtclna:dnrtomoaa0 ~~etason~am ihiniugtb Fore cbdcoiand~rmom(B
cycles . Each biting °Yd° ~ PP la that ands in fiat month Your ecetumt wdl have s
your aecotmt vn71 have t bi9mg tYc statement
br'IGnp cycle ending in each coleader month whaler or not theta h e bilhrg
tar that trgGn9 cycle
Rvtbadzed Users: II you e1loW someont to use your ectourtL that Person wr7! be act
authorized seat: You sboidd Think cervfuNj 6store aAatrritig aryorte to breoma as
airdtorized user besanso ppos are apw+mg teat person to use Uia aeeauM es you ten
You aril rotnaln raspoiis~to for the use of year atcouM and etch card issaed oa yew
aecourtt ascording la Tha terms of this agngmant This bidudes your rsspansib~rty for
paying aB charges oa yvut ecsstmt irrada by en authorized user.. ecsopni N vnu
You may rgquast en edddional card for use by en authorited riot oe Yew
do so, this ice r,nt meY eppr:. an the eroat report of that euthorizec -,:;ar account l1
Yoa must notify us to teratintla an atdhorizad seer's patmission to nee ywr
you notifyus, we may tltsa rho account endlor issue a now card or estdswilh a dN[other
secount numbes Yoa shtxdd also neorer eiaf dostray atiy cards, checks of erry
moans of access bo your tccoun! from that authorr=tetomanls We may also cater ro the
Fredil jJaa:Yout creddFnt appalls on yaurb~ng
crrdtt fins as a crtdd Wah er spending ~• yaw bflfing stetamaat else t°aY shtwu the
atdya pordon otyour craddgne maybe used kr wsh advances Cash adroate endd~Grrna
rash advance shacks, ere ehargtd against Iht sash advance portion ~~snsiblo (or
and act otter transactions ors charged ag~ittst yaW ctedil Gna. Yau an rasp ea and
keeping Vach sf Ya°r tewnrt balance, iireludmg any Taos and fmann eherg
making sursitnara4~ oy~jierga youran ovsr~imll too a descdbad in thtsr,grvomen[t
Gna kr ary reatmee, s erodit trot You must
We peawbe[era not required to, eWharize chargec that go avarya
par •et' peeoor4.evu yaw ersdd Fmo, and you must pa as immodiataly fi we ask you to
~'h!s agnarrpnl appgas to any balance ovnryonr uedk 6rra
At otadaua6ore,wo mayincnsse,reduce, w cancel yew cradAgna, or-he ash edvanu
poAiw of yaaer uadil Gna, at any lima However, it you have asked us not to do so, we
wt'Raotbrcreasayowcredilliaa AcbangatoyourcrodhGnavn'gnotaNaslyourobligetwrt
m pry to
lnterasGoaai 7tpasactioa ~ ~hst eau make outsidte of 1he~Unhed States of Amsricre ayvan
mekelns(ors+gaewrenry Y
i It is roads w U S dopers H you mete a lransastian In a toralpn cwronry, Visa
dilsrnsUoaat or iAeslerCerd hdsraational, Inc., will comnrt the trsnstcUon iMo U 5
dolersltYesin!(fs respect(vecurrency conversion proeedwss Tbo aschanpe rate each
eritky w~ q caewd curronry is a rsu that it selects eittnr from the Hodge, f rates
tw(Irbls betiee avhvlosels eurroney markets lorthe appgeebts pracessinq (which
rata easy vary Irom the roU the rsspaetivo anUty ileac[ recervasl. or the
goyarptnaot-mandated rte in s(faet antha eppgcsbte processing dsu The tale in aNocl
on the appGt:rsida proauing dale mnydiNarlrom the rata on !ha date you used your card
w ^asurR VVs easeNe rho rigid to charge ytm art additional dine potent pXi al the
US doWtaaeotaatolsnyintemedon^Itrsnsecdan,whattrarlhet>rwsaetionwesorpinapy
made ie US dollars or was made fi another wmnsY and cpnvartad to U.S. defiers by
Visa w pges~rCatd 1n afthet sate, rho I% wHl ba calculated oa Uts U. S doper amount
provided to tx byt5at anutY lira same procecs and charges may apply it a ny interoetianel
Iransac6on is twarsed
Behicel b AolLariraTransocGonr, We may, b ut are not r e paired to, desGna a vansacUon
nn your aeeawrtlor any of the tdlowinp raaeons-.
• baeanss ed oparatipnal considerations,
• becsesa your account Is in dsleuh,
. i ere s>6pecl fraudulent or unlawful activity ar,
. ie. r 3~-~rerion fx a~:Y other rarsnn.
VJs ua stet rosponsible for any losses if a vtnsatllon on your account 1s decFned for
any reateao, idler W us or a thbd parry. wan a you how svlfieieid eredU avaiehla.
FoJ puiw zraasactioas, ors may require that you rs~ster your accourd with an
tuUwtaafluo system Thal ors select Wa wdl notify you i we went you to reptstat N you
da notrapatarwa Huy docLae yew onGna vensecGons
gdmsilepayCbetlrsrEeehch~ ~y~rr'IauountlodacidowhathorNtn~authoraalhat
a cbatt: ins payment wa Huy
chsdctAla maX trot era nor required ta. eject and return unpaid a check for any reason,
Inelerdmg Itw iellimbn4 axempler.
• tNe w one of ear elated compaidas is the payee on the shack.
YserrtssdkFpaarssshedvancapoAionoiyoursradkl'mahasboonoxcaedad,orwouW
6e ezcaadede~ tNe paid rho check
Tls eiNCkispost-dated 11 o pcst~dataE shack is paid, rasuttinp in another check being
rseuaad or rwttfpwaid, wa ere not responsibb•
. Yod srasw'm dealdauR or would berlf wo paid thee cf,ock it
Lost ar Stoieo Cards, Checks orAceaant Numbers± Il any card, check, eccoutrt number
ar other ardarrs w~ eft ~s~ uPascount is lost or stolen, or yon think someone used or
mry rise dean r armiss(on, you must notiy vs at onto by salving the
Csrdpaanibar Service telephone nurnbar strewn on your card or biting steleman[ Do not
use Y°n eoswd eheryou notiy us, avan i your card, cheek, secounlnumbsr er other
moans to seeess your eccountls~ (ao r lore rilralt or uneuthwrnaed use raieted to your
enddpriaiegeswheayaunotitY Y
ecsrosot
Yna tear be p.Ne ii thorn ~s unnurt•araed 9sa of ;.»': ar_rn••at !~:n •r.$itb ra tr_:Er_
no baasli, badyou wit Hart be gobla la more than SSBDg of such v:nseetiptt5, and you
trvrlf too[ ba 6abls for arty inch vansactlons made after you notrly us of the bss, thah or
nMUdwt(a~ sse..Hawever, you must identt7ylor us the uinuthorizad chergos tromwhleh
you yscarved rio benofd_
yyemeyrtAwreyoutop gvioaeamll witi~certeinproeadupras nneonnectionnwitlrnour
VYa racy else repute y P Y
irrvasdpat~at.
PAYN~NTS
Payraea! tratrnginnr. Yovr biting statement and accomparrymp envelope induda
mspyetiops yea must lodow for making payments and sacs IoM the deU and lima by
vnlicb t+w must racerre Ufa payment
Yes agaes ro ~y us ainwnts yw otw in U 5 defiers drawn on lends an deposit in a U S,
l'mencW frsstiu6on ar the U 5. branch d a lorofgn financial institution using n payment
cheek rrprrsyordar or aufometie debit [hatwil be processed or honored byyaur Finanda
heegitri6ea yYa tm'6 not accept cash peyir»ids Ynur total svaBtble cradd mry not b[
rgslotsd (ar up to t5 days shat wa recarre your payment
gnypsystnrdehact or other fa.,a •d nnimeatwhich y+r: send to us L-.• Mss then th+_ lul
i.paacssgtismsrkad ~~cidiniulforwithasimifernotevtmorthat~~volhprwisatpnda,
{ntaetioa o! a dispatad amount IeoadNonal peymaacsj, must be sent to us st Uu
e sntsaddrassGstsdonyournmrrUilystnaaeantWaresarvaepoturight:
rsgvd[tig sash peYmnats For psampla it is is datarminsd there is na vaBd dispute or i
a ptchpsymsatrsreeeiwd el atry other address the may accept the payment and yin
~{ sett ovva n+Y remairdnp bdenes Wa may re~uss to eccrpi meets Ih i Youamak
rst~! a ter you, not coshing it w by dasuoying (t Atl elver WY
sladd bs cord to tiro regular payment address shown on your martthfy statements
VVa reserve the ripM to efatvonicelly coAact your alipi6lo payment thesis, al fir.
pr.ssrrttaaMsrrd nny reprasanfinem. hum tba bank eccounton wli(ch the checkis dram
parrseeipI of yaw payment checks » your authariration for us to eagscttho amount r
EXH I B I~
2-
the check olocuonics0y, ot, it Headed, 6y a drab drawn against the bank account
peymont eheckt wii ba eollvcted sfecuodcepy bysendLtp for chock emswra ebnp
;with the cheek reu6ng and eccanrdaumbars ro your bank ny[oThe od hrelp YmoM
bedebfledasaarlyesthesemsdaywerocaivayoutpeyrt~ g
check w016a dasutryad and sn image wlii be mamtetned m our recorddw, es slwwn
Minimum Poymarrt Yoo agna u pay el bast rho minimum payment
en your blll'mg statamonb to that vva recchra h by the date and tbs Iuq~imoumdYou
You may pay more dtan the t»ninwat payment due and tray p Y
owe us aL any lima. !t you haw a belein Fnannkbos gasboeausn is'manearihargss
sooner you psyus, Ute bssywwip pay
accrue on your bebnc• arch day
Your 6iPng stetomant shows your beplaning balance and your ending 6etance Ilbe
"New 9alanca on yoer biphtg statrmsrtti It the Now Helena is S10 OD w lass. year
minimtmt Qeprtent dw wig M the Now Balance. Dthetwice, it vrHl be the largest d
the (a8ovvtng:StOJt~~ olUte Naw Hebaud any bHled bra ea dtorarfimh leasoAs
torsi b'Aed padodic rrte fmarwe dtargac,
pert of the minimum paymom due,we also add any amount past dur and ar><attwunl
war your croditfba
Payment ARocoUorx You agree that we era euthcrizsd n apocela your payments
and tred'ds in a way Ut~i~ ; ° entsoand credits to balanacecowitA IoworxAPAs !such
autharito us to a y P Ym
as premoUonsi pPAsj belan Wtencas with higher APRs
Credit 8elaaca:r You may request a rotund of a credrl balance at any Uma We may
reduce the atnauM of any credrl bahnce by the amount of Haw charges or bas ogled
to youraccoval
AniomeUe Charges: You may eudwrita a third perry to sutomeUcally clurge War
a ccaunl for repeat uansacUorts ibr example, monthly udfity charges, membanhips
and insurance premiums! g etaomaUe charges an auppad~s oa re~a~ ~cr~
boeavse year account is cinsed or suspended for any
number chertgvs,yoa an rosportsibk for rwttiping lha blot and payiap thaw chugas
dractiy 1~youraceountmrmbarchenpat• op~prkedlobeblgedtoyoaroMaceovnt
yournwvacsountmrmbsrcher0esthetyou k
number.
PromHlions: From dun to dma vw may offer spacial terms for your aceonnt If wa
do, we wig notify ysu about the terres of the oNar and how long they wDf br In oNect
Any prembdoa is wbject n rho (emu of this agreement as modibed by the.
promudonsl oHoc
FlNANCE CHARGES
paH- Pefiodk Betas and pnauedl Her ~~ ilia rates ereafisnd on rho Aetes andrFste
{'APRa7 and the earrecparrdinp Y P
7eb1e that is st the and d this der ~anand inr fleldslaaic rwud uy ~ ~ dfdth
pedodlc taro wv dhrlde the APR by
plc a to the rIpIH d the decbnel point
Varieblo Rsteec Ona or more APRs that apply to War act:aunlmayvarywilh ehanpae
to the Prime Rau When Yoe have en APR utat varies with changes to the Pdtrre
Rata, we cdeubu the APR by eddmg a margm u the Prima Rata pubAsbai in fie
Wa65traetJaumaltwo bvsitiassdays betorethe ClosigQ Daurs~own onyoarbiUiriq
stsnment The'Prima flare" is the alphas! ip•51 Prhea Ben pubfahed M dtr Mauay
Rates sacUon of }7HWapStnsrJaumel ti Tlra WeGSwatJtsurna/stopspub6sh+n0
the Prima Rele,wa wigsabp a smaTar rebrente rots end ininrmyov on WarbNfing
siaumenl M Uuouph a separate notice
A'mergia is the percentapa wo add tv the Prams Rate to t.aiculete the APP A
'business day' is a1-y day (hot is not a weekend or loderol hufidey. The Rene and
Fsac Telrk chorus Whlch rates, R any ere v e~awMdic His aadawrrospanding ~R iar
each variable rata and any minbnum deDlr p
Two business drys befcra lire Gosdig Dan shrrwn on Your adgnp statement vve •sa
what the Prime Rata k. Ws Uien add the appgubla margm u that Prhiro Rate to pet
the APR. Tha daily perlodit rats is cakuletad es daurrben rbove
if our ealeuloUon results in a change to ^ da0y periods rate from the p iovi ~u~b~nst
cyciv because the Prime Aols has changed, the new rats vrdl apply
day of year bHfing cycle that ends in the calendar mantra in whlb hwa mse~dt
calculation iithadsflypadod'rcrsufncrseses,youwtObsvatopa•' ~+ P
finance chatga end may hew to pay a h~hor minimum paYmeni.
or any otherr egreoam~ Yo++~vaewhh actor arty of ou d elet d compen eslor any of
the toUovirrtp nasans:
• Ws do cwt receive, for any payment that is awed em~ddue bcthe dote amirdtana
aceotmt or loan with us. et bast the minimum p 1rm Y
due.
• You oxcaed your uad'd fins on this account ur bank
You make a peymont to us tint is not hvnorod by W
• ToUteerdenta8w+odbYlsw,il.d°nY~°aherW'ascwuntisclosed,wedsmend
immediate ptyrnem of your outstanding beteneo and ws do not nselve peymorit
wrthb:.`re time we sp-elly
11 any of these events occurs, vn mey'arcreese rho APAs Ilnclud'mg anyprumoUonel
APRs on ap bafences {extruding overdnq edvancasl up to a mazunum d rho dolauh
rate crated m the Retee and Frss Table Wo may consider ihv following lactars n
determine your dateuh nta• Tha length of time you account has 6aea opa0. the
oxislance, seriousness trail ihnfng of the dalsuRs on War aecoum; arbor irpfieatrmis
01 Wur aeeoum usage and peAortnance; irdorrnoUtm abtwt Wur other rabtionahips
with us or any of our related companies, end inlormedoa wa obtain Irom consumer
credh reports obtained Isom credN twreaus Tha daiadtratevrgl take ~ tnchase
thefirstdeyotthebggngcychinwhichthadetaultoccurs,imde*'yappip P
balances ham the previous bitting ryde for which periodc finsnco charges have
Hat bean draady biped
!Hares o you~APA uprtosd>. m ximumvdslsuh r~arla aerated lnotlu tibtns end Foos
Table, we restmve our right Io increase your APR m the avant of any tuhrre ddault
uadard »tas for aH or~seleetu balances your aeeoud.f cull rates w reinstno
Fiaaou t~arpo CdeulsUen-Two-Cyelspverepa DaDyBdaaes Method tladadmp
New porebaasa}forPurchases sad Avenge gaily Helena fdslbod Ilaelydlrrg Now
TremaNbasl for Otbsr TreassefiouK We calculate pMiodm fineaca charges
seperatdy for nth balance escvcietod whit a drTlerent category d trensactbns
nor axempie,ptaetwsrs, babata wanders, balsnea translerehocla, cosh rdrancas,
cash advaaee ducks, overdrehedvatteas, and each pretrniTonj.These eelculaUtms
may combise d'df~reat categmies with the soma deBy perwdlc stns This It haw h
wattle
We cekutw the paiotpe finance charges for porch ~ ebtTy balance try thedaily
• Pirst, tai web day d the bUgng cycle, we mvlfiptY
periodic reu
• Second, for each day of rho previous b1i{btg cysb we mnllipiy the daily balance
for pnrchrsac made in that bi trap cycle by 1ha tams deny periodic rata Howavo
wa do aol do Uric second stop ii wa received payment in toll of the New Helanca
tm yvvr prstrious hBfmg statement by the dots and Uma iha utatbntem payment was
due or H a padodk (manta charge was alrosdy bi0ad ua (hot balance
We calt:umte t!n pefiedic finsnco charges for parchases subject to a promotional
rata riu soma way. but we rasa iho promotional rsu
We cdcttlan periodic finsnco charges for 6alatue venders, balance uensisr
cheeks,eeshadrancas, cash advencecbecfs, artd werdrah advencas,bynwhipfybg
the deity batanaa mr each d Ihoso caugories by the deiy periodic rote for oath of
thosaealapttries,each day You moyfreve werdrah advances oalyif Wn havalmked
this eccvnnt to ^ dwtking account with one d our related bonke Ws ealsvlau the
padodie famnr;e chargec lot boloneo trandors, balsnea transfer chocks, sash
advances, and cash advance chocks subject b a promotional rata the same way.
but w~ use the premo6onsl me
To pal the daily balsnea for each day for oaeh category:
• We take the bepmtdne bdmcs for that ilex
• We add u that balance any new vansactions, (ass, other charges, and debit
ad>usimants that apply to tlut celogory. We add s Haw purebaso, eaah advsaca,
baMnee vansfar or ovotdra(t advance, if appfisabl0. to /be dally balmea as of d+s
uaasaeUoa data, ar a brat data of our choice We add s new cash advance check
or habncs Uartsfst check to rho daffy babeeo es of Urn date the tech advance
check or babrm uetfsfer chalk is daposilad by a payao, er a later dole of our
choice
• We wbtract from that baance any payments, nadirs, or credN adiustmonts that
eppiyto timt eaupory cad that ere credited as al that day
• Wo frost a erodit balance ec a bebrica of taro
To pet the 6agfadnp bebnca for each category for the rtoxt dry, tw add the daily
prrlodle finanta chrtgr u the daily baletua Amore lien oas daffy periedie rote
scald eppir to a category octanes the Hie ttu the category may very hosed on the
arootad of as average logy bolenco, ors wi0 use the daihr periodic nu that appfms
f»the avenge daily bobnca emotml of the and oI the bBGng rytb to coicdsie the
dray periodic fmancs aberpe sash day This agreement provides for dopy
eompvondinp of finance charges
To QQet the total petiotGc finenca charge for the bgGnp eyrie, wa odd aft of the daily
pedodk finencs charges tvr each category for each day during that bRfmp cycle,
pies du daNypadodk Bnonce charges on purchases, R ++iY apply, Ivr the previous
bgibig cycle liovvevar.il arty parodic (inane( chatga u due, wa wi0 sharps you .ri
least Tha tamiAantt pariodlc finsnco charge stated in the Rotas and Foes Teals .II !t
is necessary u add en sdd'tdanal amount to Hach the minimum finmu eharps,we
add that amount to the balance far purchases made dnrMp the bi0mp cycle '
Tha Total Uaeaee chatga oa Wur account Tar a billing cycle wi0 be tba sum rat rho
pvriodie fmanca chergee pbs any trensacdon fee finerres cfrarpas
Foreashcsloporywecalculeta anevarapedeiybalenco(mciudingnawvensectioas)
for the lnTfng cycle by eddmg s8 your doily balances and d'rvidmp that amount f>y
the cumber d days in the bltfrnp cycle It a pertodfs Finance chatga for purchases
made durigg the previous bOfmg cycle apPFas, Uts avenge deity balance far those
purchases b wkubud the same way J Wu muhiply the average dopy balance for
a ctlagaybYldetcatsgory's daityperiodrc tau, and muldpiyUto rasaRbytiw manber
d days bt the 6>firig rysb, the -atal wig aqua) the periv a Rnantro charges fur that
6atance atuirutabfa to thetbR4np tysle, exeeplfor minorveriaUons due to reundmg
Grace Padbd andpcereel aI Rneaca Chsrgoc Wa accrue periodic finente charges
on t uansacUo0.lea, orfineHCe chatga homthe date ha eddeduytnrrdapy balance
Gneneee~ ryesonnawpurchesasofibddun'itpehDlinpeyclailwancai~vep yme t
;,; yvt:: Naw Halancs by rho delc ant: tirnii lout miniaarm paymem k due and wv
received peymatt of year Naw Bahnca on your Previous btTfinp auumotu by rho
date end lieu year peWtaM was due.ihis sxcapuon ot'precs paned' appgas only
to purchasesstnl doss not applYto balaneeuamlen, balance uonamr cfiocts, cash
rdwntres, cub adyanea checkless ar ovardreh advsncas, it appficabie
~haauairionmstal dbtlhaRaktssandF esTebb cr ocfioliheloRowinpvonsecbbns:
• sash advarica checkr,
• cosh advances
Cla=gym,
eda:.a:
In eddoion, i( you use s ddrd party sarviu to nuke a paymrat an yew baheff and the
savvier chrrpas the payment to this aeeourd wa may durgr a tronsecdwr lea for the
paymarrt
7hesa parrsecdon ioas era Anrnca charges Vile add du Ise u the balance for Ihr tdotsd
catogorp as of the uansoetbn title of the lash edvrnee For uwnpia, r vansredon lee
for a cash advance would bo added Io yew cash rdwrrce bslanse
Traasecdoa Faos For Bsloner 7reaslrrs: Wr may chotpe you a bafance lronsler lea in
the amount stated in the Rates end Frss Table Tor oath oT the lo8owing transactions;
• balance trensier checkr,
• betentetrarrslors
These vartsacdon lens ore finance charges. We add the tae tr rho bafance for lho refatod
category as of the vrnsaclion data d Iha balance translec For example, a tronsaction
fee fora balrncr vanslerwould be added Io yew balance bansle- balance
OTHER FF~S AN0 CHARGES
easT6leTh erica wt~'llbeeddedtodrebewlotncrforpurchazea dedurinpthabiginp
cycle-
Annuel Membership Frs: tl your account has an annual Dumbarchip Ise, H w10 ba bl0ed
oath year a in momltlY fesulbrents jas stated is flu Rotes and Faes Tiblei, whether or
not you use Yow scermnt, and you agrrs to Pay H when bBNd The ennurl mamborship
tea is Were-tsiwtdeblr urdess you eodty ns that yoe vdstr to close your ectount virtlrin 30
days of tl-r dsu rva mail ylurt b8(mg sutemaut on tNbiclt the aamral nmtnbrrship lee is
charged and otUre same time, yw pay Yew wtsuedmg balrnco h h-R Your payment of
the anneal membership tw Boas not atlact nor tight to ctnsa yew rctotmt or gmH your
right to rneke transactions on gent atrxrrrtt B your ¢corrm a closoutsiorrd~lep balance
wig corniaur to chsrga the annuol mmabsrship too trrtltl yo P YYour
in Tull end temdnau your ectount reladonsbip nt b Iha date end
tare Fox 8 we do not reeeivr at least der roqubed minimum P e~ o me chor r the
Lima A b due as shown oa your bl0ing suumant for arty W'0#W cy Y 9
tote he sheen in the Rates and Feces Table II the Ito Tae is based ono 6elerxa, we
cntr.rlatu titre b:+ tae the Praviovc Belenn ai the cwnm mtmth's sutomom that
shvwr the late tee 'This balance is the tams as Iha Nrw Balenta shown on the prior
month"s statement for which we did not ratoiva of laser Iha required minhnum payment
by the data acrd time h was tine
DvarAmit Foe: It your account belrnca it owe your eradM km d arty lima during s billing
cycle, was iI otdy for a day, wr may charge ao overtlrrh tae Wa may charge this lea
even8yoar balance is wertM credit ihra baeausro eta iinanee charge ar tea wotmpossd
ar r trrasrcdon wr authorized Wa v~ net charge rwro rhea one overimo t eves it no
bRlbrp cyda gut we msy charge an awrfatrU lee in sulrsegnoM btlBrtg cyt
new tfensrrbana ere made an your eccaual, tl your rteoum tralanu tttll is over your
aedit (me rt any dma during the subsrqurnl billing cydrs
Ratnm Payment Fee: It taj War poymrM check ar s(mNrr Instrarrunt is rem hoaared, Ibl
an rmamaiu: dslnt or other ehclrordc prymam is nwrmd wrpsid, ar (cj wa mnst retwn
o payment chock bacrusa it is not sipnrd or cannot ba processed.. wa may charge e
carom gagmen foe.
Retnrn Check Foe: it (ej wa stop payment vn a cash ^dvaatx check or batrnce transfer
chock etyour request, w161 wa reTuse-o pry a cash adwner cheek or bofencs usnsler
cheek, wr may charge r rotwn check tae
Admtnistrotiw Faes» d you request r copy of r billing sutgmrrr6 tales dreH or other
reco-d d your rcroum ar B yon request two or more lards or arty s ~otith 5i ~~~vsr
exempla, otrtebring lards on en a%podiud basisL wa msy ehrrta you
Howwer, we tvgl not charge you for coma of bBlb+9 statements, soles drabs or aimb[a
documwas tint you raquastfor a bd8ng da~Me you msy osaanopainst us tmdarapp
loos from time to lima tin Rest when wr Dlfler d~° ~ca~nd- street s rrvitos wo provide, the
DEFAUlTj~04LECTtDN
Wa msy consider you to br M daleuk it rrry of these otter.
• We do not taceNe rtlsast Ure minimum amount dr,e bytbe daP and lime duo as shown
on gent 6tlBng stetemavt
• You esceod yew eredh fine.
• You taR to comply with the terms of Ibis egraement or aey sareemanl with one of our
rotated somprnias-
• Ws obtaininlormadon thot sautes us to bsgeve thetyanmav oa urtwrTfing or unoMe to
pay yew debts to us or to othvrc on dma
• You lde Iwba»ktuptcy deadr_ .
• You breome incepacHolsd or in the want of Your
It we eonsidrr your stcaunt to bs in do(sah, rte may tiesryow account widtoul notice
and require yon to peyyour unpaid betaner immedWe}y.Wr also may require you to pay
interest rt the refs at two prrernl Iz%l a mmdl- oa the tmpaid balance when wa deem
your season to be sit or more btltltrg eydes pose due.
To the retard permitted by Irw, it you era b deiauk 6e;:auw you have ie0ed to pry us,
goo vziA psy ow totlecdon costs, attomoyt' lees tours eas4•r. and ep other rxpancas of
anlarciup ear rights under:tris nareemenL
CL05t1nG YOUR ACLCUNT
You msy elotro your ectount at ony time It you tall us to close yew account wa may
require that you confirm your request in wrhing d w rrvdH riv8e rs rt an time for
Wa may riots yaw ectount et any dma tx suspen ya p 6 Y
retry reason widrout prior node except as requiroi by apptlablr law. I(we close your
euotmt vrr vvtll eat ba Refde to you for say cansegvaaces-resulting from closing Yew
aceoum or suspending your credH privprges
It you m wa close yew acwum, Yau end arty authorized usws must immediately slop
using ywr ecrovnl end destroy etl cards, checks Drotheraeena to attest your atcount
or raturp thorn a us upon request Yon rmll eorAgwe u ba responsible Tot charges to your
account. even ii they are made or processed aheryvrrcaceowrt is closed and you wig
..:. %itA i2o:
by required to pay the outstrndkrg balance on your eccouat according to the terms of
this egraemmrt. la addHfon, to the aslant atlowod by lavrt tws may roqukr you u pry the
ouwaadiug bsknee ltrmadialsly w at arty limo char yore` account h dosed
ARBITAJ010N AGREEMENT
pIFASE AEpp THtS AGREEMENT CAREFTJLLY. R pAOVIDES THAT ANY DISPUTE MAY
BE pESOLVE08YBINOpJBARBITRATIDN ARBiIAATIDNpEP1ACE5THEAIGHT70G0
TO COU6'L YDU WILL NOT BE ABLE 7D BRING A CLASS ACTION OA 07HER
HEPRESENTATRIE ACTION IN COURT SUCH AS THAT IN 711E FDRM DF A PRIVATE
ATTORNEY GENERAL ACTION, NOR WILL YDU BE ABLE TD GRIND ANY CLAIM IN
ARBITRATION A5 A CLASS ACTIOIi OR OTHER REPRESENTATIVE ACTION. YDU WILL
MOT 8EA8tET0 BE PART DF ANY CI.A55 ACTION OR DTNEA IUA'RESENTATiVE ACTION
BADUGH( BY ANYONE ELSE, DR BE REPRE5ENiE01N A 13A55 ACTION DR DTHER
REPAESENTATNE ACTION.INTHE ABSf"PICE OFTHIS ARBRRkTiDN AGREEMENT, YOU
INACOUR7:8EFOREAJUD6EORJUR1;pN6/DRTOP~RTICPATEOR EREPRESENTED
IW A CASE HLED 1N COURT BY OTHERS (INCLUDING CLASS ACTtDNS AND OTHER
ftEPRESENTATRIE ACTIONS). 07HER RIGHTS THAT YDU WOULD HAVE IF YOU WENT
TD A [:17URL bUCH A5 DISCOVERY OR THE fttGHT TD APPEAL THE DECISION MAY BE
MDAELICJtliED p[CEP(ASOTHBLNfI5EPA0VI0E0 gE10W,THOSERI6HTSAREYdAtVED
BiadreglkbltraGort. ThisprbHretion Apraams-dis made parsuemto svsnsacdar irrvdvrng
Imersulr codmisrte, mid shell ba pwernod by acrd br eniorwable under tiro Frderrt
Arbdnlionpctgkr'FAA'L9U.S C.51-IB esH mayb. uneadad ThkArhilrrdon Agrueaunt
sots Tadttlm drsumstencas attd procederes underwhirctr chins (ss da(med 6rlowlmay
be rssabsd byertrllrotion btnaad of 6afng tldgatad fn teen
PaHirsCorstad.For[helrurpasosolihisAr6lvefionAgrsamerr6'we; irs;end'our also
inckrdas owpstanL subsaGarias, a I(rGetes, Ucehtaes,predecrswrr; suecassors, assigns,
any purctraser al yew Account, end e8-0i dmk oifxrrs, dirat:tors, rrnployses, agents,
~ndacsigncorany~ndatlofthemAddidonrBy,"tva:'tta'rnd'oufsbaB tlndeartyUtird
ppang provfdng beneGts,servkas, ar products in tamectlon wldr tlu Actount (mcludnp
btrl nol6at8ad to eredrt bwerus, marehents thot reeopt any endk drvies Issued ender
the ActnrrM, rewards programs and rnrotlmera saiva:^.:. credit insurann cwnptnies,
debtcofaetors, tad dddreiroiAsors, dbadors, ampbyaos, agents and rrptasomadvet)
i!, end ordyit sadr a third parry icnom~d byyou ec a co-dalandamirt arty gekrryou assort
agshsl us
Claims Covered.. fhhar you or we may, without the other's consent, elect mandatory,
bind'mg rdhibotba of s1e1m, disport or tonvawrsy by eHhur you or us epainci Ute
other, ar epainstdre em~oyns, parents, subsidiaries, a etas, benoikhrirs, agents or
assigns d the other erishrp Iron of rebbng br any way ro the Cerdmomtrer Apro~ad~
enyptiorCardmuebrrAgrremem,your erodh crrd Aeematt ortha rdwrtuatp,epy
ar approval of your Accarmt CCleim'j. fits Arbitration Agramrteni govrms r Claims,
whrthrr such Claims err brsad on lltw, strtttte, contract regulelioa ordinerrce, fort,
cvmtaart lady sottstBariotnl prtwisioa, ar arty hgd theory d law avefi u rospondest
suparioSDr rtNotherlegd ar rrprbsble ground end wkelhar suet Maims seek u remedies
emney dswges,panatlirs, Injunctions, or doclrratary yr equitabN ragN. Claire subject
athlt prtrpspbanApraamaptinchdr Claims regsrdrng the appgcabi6tyd this Artrivatmn
pgreamantortirrvairdity d tilt satire CrrdpmmberAgroareenior arty prbr Crrdmomber
Aptermatt Ttris prbilrsdon AgroemeM includes Claims thrt arose in the pest, or Writs
in Iha prasrttl Dr the itrtura As used in this Arbitndon Agrermnnt the farm Claim is tD
lie girrerr Urr bmrdesl possible meaning
Gritrrt stdfjrA to arb'drsdva hdude Clabns that ore made es counurdaims, tuurs ele'rms,
Udrd petty dsims, inlerpleaders or olhorwisr, and s petty who hrHieles r procrad[ng fn
wwt may abut arbilretion with rocpott to ony such C1a'mts advanced in iho Irwsuit by
attypanyorgartias•
As an ezcopdon to this AtbHrrdon Apreamonr, you reukr the right to pwsua is a smell
claims trouurt srryClrim Ihetiswiddn that cotni s jurisdiction and proceeds on anMrRvidvel
brsk. Ira party starts to arburste s Claim, the etbHrationrvitl a coudreud as en brdivldual
action. Nafthtr yoc rear wr agree to ant- erbiUa:ion oa a :Its. yr rapre~: lbtF.+ basis,
and the arldtretm shat have no eutftority to praread on such basis. This mess thrt even
g a doss rdon lawcnitw other representetiw ectbn, such ar Iberia the corm of a private
ottorneyganarol aaiva,k Itled, ert~r Claim betwoanus raised to rho issues rriaod in sash
IawsuHs wit be tubjret to sa indivrduet arbhradoa dolor d eklrer you or ws so ebcl
No rrhluaGaa m'8 be trortso8doted with any other rrbitradon procesdmp without the
concerti d d parties 71u only Chins that msy 6a joined in ea individual rctioa under
j alt bx or~astimdzsd)trstar oL ya-gAtwuurdgoruyotu heirs or~yarr atrpus~tee in
brakruptey er 121 those brouph! try You end eery eo-eppGrrm, join cardmembrr, or
euthorkrd user of yaw Actmum. w War hr'us or yew trnstaa br burtrtrptcy rgeinst us
IniGaGae d ptiritrethe The party GOng s Claim is erbllrelhrn roust choose rem of the
logorrirrg twr arbibedeo administrators: Amtuieer Arbitration AssoeiadDrQ tx National
pr6lvaGorrForum.Thsso adpdnistrators are independent item us The rdmbdstretor does
not eoadbct Uw rrbiretion Arbitration is tondutted tinder the rotes of the salsctod
erbHrrtiat adadnituslot frC an impartial Third peAy choctn in rccordenu with the rules
el the selected srbHrrd'wa adminlstretor end as msy be provided hr this Arbiration
Agreemm. Any srbivetioa hearing that ymr rttand shat) bs held rt o place r:wsan by
the orbitrator to arbhreaon rdmrnislrelor vrithht rho irdetel judicial dutrl.t is vsdch you
reside at the time the gain is hTsd, or et srtmr other place to width you and tvs agree in
wrHirrg You may obtain topiee of the current rotas of crab o1 des two arbitration
adaindstraton, iniormedon about arbHretton end arbivatbn lees, end insttUCtions for
inidetmg srblVadrm by smdecdnp the orbivrdan edrrdnistretors rs fotlows
Amsricrrr ArblvaGoe Arsecirdon, 335 Medistm Avenue, Flow 10, Nero York, NY
10017-~ Wab skx wrvwadrorg.00D-771.7879; or
NeBwd Jy6itrstios Forum, P.O. Box 50151. MinnsapoTis, I,4N 55405, YJeb site:
www ar~redon-foram tom, BOa474-2371
Pracadrres sa6 law applienble in orbitrollan. A single, neuvol ubivatar wtll resolve
Clrbrrs.Ttre stbttratarvrill eithr rbe a lawyer with at loser ton years experiarxr ar r reGrr d
or formor)udpe Tha arbitration wID ba conducted under the appgtable procedures
and rules of ihs arbitration edminisUator that ere is egecton the date the arbkretian
is filed unless throe procedures end rides ere inconsistent with this Arhitration
Apraemert4 in whfc4 case this Agreorrreat eri preveA Those procedures end rules
may }unit the emoum of discovery aveAebb to pau or ur Tho arbirator wig apply
appAcebla substantive bw corrsistetd whh the FAA and appgcabb statutes of
6mrta$ons, and wiq honor etafms al prrvgtpa rscognard at law You may choose to
Neva n hearing end ba rsprasemsd by counsel Tha arbitrator will tats reasonebis
steps to protect errstomer Aeconnl information sad other conOdorttiai informadon,
ineludinp the tree o(proteetiw orders to proltib6 drscbsun otrtsido the arbfusiion,
if requested to do ao byyov or us, Tha arbitraorwil haw the power to award to e
party any damages or other rafwl provided far under appfxsbfa law. and writ not
Nava the power to sward rsiof lo, agsitrs6 of br the btmeNt of erry person who is
sat a patty to the praesedmg If the law euthorrses sntb repel, the arbivetor may
award pumtrvs damages ar snornay foss Tha uhiUnor wit make arty sword in
writing bat need sat ~ordns~thatorbmo'nrrUator wit prertdeeasbnef statement olatimio
Upon a request by Y
reasons for the awed.
Costs. We w}i reimburse you for the itrittd ubiuetba Apng fee paid hyYou up to the
amoum of 5500 Ups receipt o1 proof of paymarrLAddklonagy, l! Utsro is a ttoariap,
we vvAl pay etry Ises of the erbitralor and arbRratioa administrator for the first two
days of that hesrbrp 'fGe peyawnt of any snob heating toes by us wDl ba rnado
direcU/ to the arbilreUon sdmfnistrata sebeted by you ar us pursuant to this
Arbitration Apreamant All other teas vriq bs siotetad in keeping with the rules of
the arbiVatton udminisvetar end epppeoble law Howawr, we wrTl advance or
raimbtass fifmp foss end other fees it the srbhrodon edmfnistretar or arbitrator
delermMes U-ere is good rsesoe br regnlrh+g us to do so or you ask ua and wo
doiormine there is good couaa for doing so Each parry wig bear the expense vi Iha
fees sad costs of !het party's enorney:, exports. witnesses, documents and ottrer
expenses, tapsrdisa of which party prevails, for arbitration end any appeal las
permitlad babes(, except that rho arbitrator shag apply any epplke o low in
dasemtininp whether a party sfiould rocover arty or ell fees and costs tram snolher
PeriW
EofarcnoeanL finality, appeals Failure ar any delay fn enloreing This Arbbration
Apraemem el arryUma, Orin connection vvidr arrypwdcular Uohns,vrill not constiwto
e velvet of erry rigfds fo require arbiuetiaa et a toter tbna of fi connaetion with any
outer Ctsims AaY deckles rerrdsred in sttth arbNration procsading wrTl ba fmai and.
binding on the portisc, unless s party eppsrtr in wrltmp to the artirUation agertizedon
vvrtb'm 30 days of }asusnca o1 the award Thr appeal mast request a new erblueUon
before s penal of two neutral arbitrators designeud W the same arbiUotion
organhatian. Ttta peaelwA) reconsider ai lsctwl and bgel issues anent fagow the
same rotes that apply to a proevedmg usiap s aingu arbUwtor, and woke docisionc
based as the wU o the majority Eeeh party wiq boar theft own loos, costs and
expenses latany appeal, bw a parry may newer arty or aq teas, costs acrd expenses
from moUter petty. U the meinrily of ill penal of srfduators, eppfying e~pficebia
Eaw, so dstetminas Aa rwerrdd in srbhreUoa vvN be a~nto~a~a6ta es provided by the
FAA or other eppGabis law by any corn! having ju
Savsnbfliq, survlvel.'fhis ArbiUation Aprae4ent shop survive: G} torauttation ar
changes in the Grdmamber Apteemsm, the Account and the refadonsNp between
you and us correertrbtg the Attaunt, such es rho issuing of a new eecowu number
or the varrclerrktp d the betante In fire Accotral to enolhor account li7 the
benhruptry of ray party or any s'1mRsr praeeedbp biiiatrd by you or on your brholh,
and Ital psymart of ihs debt b lull by yes or fry a third party if any portion o1 this
Arbitration Apreemeat h deemed invogd or unenlotceebla, the remelning portions
shaft nwrnbeless remain in force
CNANSES TD TfftS AGAEEMENT
Wa can eheupe this agreement al any time, regatdlea^ Mr'~ision Uur fight to dd
to your scconM, bq addmg, deleting, or modifyieg Y P
delete, er madgy provisbns mtbdas Rnaneiel terms, such as the APRs end laps,
and other toms such es the nature, extent sad ardarcament of the rights and
obiigetions you w wa may have reledng fo thir; agteament Mod~cetions, additions,
or deletions ere eellsd'Chmgot' ar e 'Change'
Ws vtdg notify you of otry Change ii requksd byappgcebte roes These Changes may
be oHecl}ve vvah nattte only, et the time sbtrd in our notice, in accordance wrth
appScaWe kw Unless vie stale nihenw}se, any Change wgl apply Ia Ihr unpaid
balencn as Yew aceaurd and to new )ransecians
The ntrtics wig describe arty rights you mayy have with respect to erry Chanpa, and
the consequeness A you do or do not exercise !boss fights For axampfe, tiro notice
may stall that you may notlly us in writing by a specified dale K you da sal want to
accept eertabt Changan wo era moklnp q you ntAify us in wrd}np that you do not
e ceept Ute Chsngee, Your eeeount maybe closed (i it b not already closed} and you
vviq be abRpetad to psyyour autsbnding balance under Iha applicable terms of the
ngrasment Nyon do not notify us in writing by Urt data rielad in the notice. or it yav
notify ut but tlren useyaur account e$er the dau riated'm the notce. you wKl be
,:~:».cr. to accap! all Changes In !`•s nr,t::e ottd to attepi and confirm ai tent.; c.
your ageement end ell Changes In prtar Helices we have soot you ragerdless of
whether yon hens eeeesr to your eceounl
CREDTf UVFORNATTON
Vtls may periadisa0/review your credit hiriary by obtaining information Irom credit
btusetrs and others
Wo mayraport iaftrrmetion about you end your account to credit burvens, includmg
your Paiute to pay us on time • q yon request addbionaf cards on ywr aaount for
oUrers, we mayrepon account information in your name es wag es in the names of
thaw other people
tl yes tlrirt vva hew sported inaccurate tnlormotion to a credit 6nresu, you may
write to ss ar: tiro Cardmambnr Service address Fstsd on yatu bNmp stalemenL
Please inehrda yawnears, address, aceovat number, telephone rarnbar and a brie!
dascriptiae of tiro pioblam 11 availaida, please provide a copy d iho credo buroou
report i. gtrssdon Wo wRl prtunptiy hrvestigeta the mottrr aed, R oar imresUpetion
shows !furl Yaa are dgbt, wa vdq wMacl each credd bureau fo wbiclt wr reported
the iatorarafismsnd argl regrsrslthey comet the report q eve dwgrnwithyou ahw
our isvssfgetfoq, vw wry ts0 you in wridng or by telaphane tNa vviq also naUFy the
eredn laaaeu drat you rgspnta the bdormaUtm unless you lot w fatrw that you no
tonpsr tgsptAe the letwmNion
NOTICESJg1A/i6E OF PERSDNAL iRIFORMATIDN
Wa wH seed t:ards, sutamoets end otbar notices to yon st the addrots shown
in ov list: Ot;gthis is s Dint sccouttL ws ten zend bipinp stetstaetds end notitas
to any jtdrtt seentuu hddac Nodu to one ul you writ br eansidared notice to oq of
yea cod d dYwwHl remob obipatad on the account
1f Yor thaspr your Hama, addrerr, or home, ce0ulor or business tdophane number
or attreA ttddress (tl you uket to reeoira bAlinp atstamants or otbw rmtiees oniinv},
you crust twtiy us edltlely Fe writing at the address shtwvn oa your bipinp
slsltaaunt. VW Wray, el ant option, accept moiling address eornctions iron the
United SWa Postal Service Ws may contort you about yew secouet including
Iw eustpner service or eogrdion, at arty address or letephona rnaabor es weR es
any cefMsr tabphona nuaber yon provide us.
TELEPHONE MONtTORWG ANO RECORDING
Ws, sad q sppficaWa, our agents, may litres W and ratord your ldephoae calls with
us, Yea sproe dtetwa, and it appgeeble. our eponls, may t!o so, whether you or tvo
iniiuutitststephorre caK
INFORMAiION SHAAiNG
You atnhrrriu w to share cenaln information abomyau end your account within our
femgy of companies, and wdh others outside our lenv'ly of cootpaeias including any
cotrtpsny or srysnitotion whose Hama or mark may sppaar on Uw lards, as potminad
by Isw Otrc P~Nncy PoFey, vrfri:b is prv:idrd t, you tvhea yrw first rec!ive an
agreenrerd and elleastonco oath colander yeartheraeNer, doscdbss our Inftumedon
sheretp ptsdicec and the choices yon how and dbacdons you may give us about
our shetfap d ialormrUnn about you and yonr account with companies or
orgepiteUoaswitfrhrend outside of our lamity of cowponies
fLi1WDIS CARDMEMBFAS
Iignols law pretddes !het we ma~ not share 'rnlortnaUon chow you wbh companies
ar other srpnthauons outside o our lsmfhr of companies udecs you suthorite rho
disebswe or unless the disciostaa laps under entnhsr axcepiba >n the hw isuch
as sharing irdsrtnaUoa to process your lransoeliarrs or in response m a tubpoene}.
Yoafmab/rpneUtet,gyouchaocanot to axerdsethe appgnbie apitrutdescribed
>n out priracY Policy, you tvp ba deemed to have suthoritod us to shorn personal
inlorma$oa ws have eboulyau f rrcfedhrg information related to erry of Iha products
or strrriees Yea moy Neva with erry of our eomponias) wah companies or odrer
orptnrbaGartsoutsldeotourimmlyaicompenios .
ENFDACW6 THiS AGREEMENT
Vila elm dale(r~iarshtp arse! enterer arty of our rights underthis agreement without
losing otM tight to aabrce thorn inthe fuwre- H :try of the farms of the agreement
an foued fo M ueentorcee6le, aq other terms wIK amain in roll tote
ASSIGNWIBIIT
We tae/ assign your ascavnt, any etnounta you owe ua, or any of our rights and
obigrtiaoe tlmisr Udt epreemerrt b r third party 7tte person to whom we moka rho
astdggrasrd w7 be entitled to any of our rights Ihel we assign fo that person
GDYERNlNti lAW
THETERhiSAND ENfDACEMENT DFTHIS AGREEMF.N'f AND YOtAt ACCDUNi SHALL
DEGDVEP,FF_0R1ND INT`P.PILsTEC INdCCORDfi.::E ;fYlTlt i EDCRAI.I:i'JVi~i~~,TD
THE EXTENT STATE LAW APPLES, THE LAW OF DElJ4WAAE, WITHDUT REGARD
TD CDNFLICFOF-LAW PRINCIPLES. THE LAW OF DELAWAiIE, WHERE WE ANO
YOtAlA0001AlITAAELDCATED,WILL APPIYNDMATTER WHEREYDULIVEORUSE
THEACCDliNC
FDA INFORMlRiON
Plasss rail fire Cardtnambor 5ervlco telephone number on your card of biDing
statsmtMrl Yes dava arty questions about your account or this sgreomant
YOUR BA17dG RfGitfS
KarpTlds Nstlce Far Potato Use
ThB Hopes csrttabts impottsnt information about your rights and ant responsibiiides
under the Fsit CtedR Dginq Act
Notil/ Os la Cass Dt Errors Or Dueslioas About Your BIII
If yon thinkyaw bN is wrong, aril ov naod more iniarmetion about a uansaction
on yeor~l,ttwlte us ao a aeperata sheet at the Cordmember Service rddresc shown
on your bii4p statstamrC Writs to us as noon es possibh YVe must hoer Irom you
no later then W days abet ws sent yav the first bill on which the error or problem
•ppzer~d wr L•an teleghm:e u_ btK Jomy sr; wrT not pra5cr rb your rights
In your btler, give vs the lopawfng information:
• Yoar cams acrd account number
• The dollar rmotmt of the suspected error
• Dssodbs rtes afro! end ar~laln, d you non, whyyou bokeve there is on error II you
naafi mms ialormetion, describe Urn Nom you ors not care ebatrt
if youhew artirmhed sere payYoar credt card trRl eutomaUcagyUom your savings
or cbseldttp eeeourd, Yon eon stop the payment on say emtmnt you think is wrong
7o slap fits psynreat Year latlrt must roach w et Feast three business days 6eloro
the etAeauUe psynleMfa sehedufsd m ocwr.
Yosrlii~ds Ant Our Anpotuibigtiaa AherlNa Aacefva Yaur Wrincr Notice
r~ pa a of G RL.:.:::: .
Wo must acknowledge your totter wilhln ~D days, unless we have corrected the error by
then Within 9D days. wa must eithor correct fha array or explain vAry wa 6egave the b{p
was correct
Agar wa receive your tartar, we cannot try to eogoct airy amount you question, or report
yon as dagnquant We can continue to hip you for the amoual you question, including
finance charges, end wa can apply any unpaid emovnt against your eredN gna you da
not Neva to piry any questioned amount whge we are invostipsling, but you era sGg
obligated to pay the pens otyour 6Gi that era not in quas0on
It we And that we made a mtstaka on your trYl, youwig not have to pay arryAnonee charpos
related to any gaestionad amount II we didn't make a mistake, Yee may hove to pay
amount in ailpherta oYwatvigs ndtyau statarr» r of the amo~untyau awe ap6allw dote
that it is due
Ii you lad to pay iha amount that we think you owe, wa may report yyomvr es delinquent
However, it our explanedon does not sedsiy you end you write to uswhldn 10 days 1e11'mg
us thnt you still raluse to pay, we must leg anyone wa repvn you to that you have a
quasdaa about your bdi pod, wa must tag you the Hama of anyone we rapvned You to
We must tag arryone we capon you to that fho matter has been safdad between us when
it 6nagy is
ti wa doa't loilow these rubs, wa can't cvllvct the lirsl 5iD ~ ai tfie questlonod amount,
oven N yaw b~ was correct.
Spoeiei Bulas tar Credh Card Purchesoc
It you have a problem with Ihr quegty of propony or services that Yw purchased with a
crodrt aril, and yea hove tried in good lidh to correct the problem with the marcham,
you mayy have the right nvtto pay thv remofninp amount ilea an the propany or cervices
Ttds riphl does not apply to check uonwctions Tharv era two fimhatrans on this right
(e) You mutt have made the purchase in your home staro or, N oat within yorrrhome state,
vitittin 100 miles of your currant meiGnp addresr, and
[b) The purchase price muri have been more then 550
These Gmitadons do Hal epplyil we own or operatethe merchant, or if we magad you she
edverlisament (ar rho property or service;
Copyright 0200fi JPMorgan Chase & Co Ag ripips reserved
?ago 5 r.:: :: :%•a4_t~C ,
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 PA. C.S.
4904 relating to unsworn falsifications to authorities, that he is Ruben A.
Alcaraz, Manager of Chase Bank, USA, N.A., plaintiff herein, that he 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 knowledge,
information and belief.
Chase Bank, USA, N.A.
J ~ N
d
~ a
p , . rn
~ ,
r ~-~ ?"3
r
~ ~ r- w ~::~~'
~
~-
rv ca'~
~~ ~ :~
-.~ -c
0
SHERIFF'S RETURN - REGULAR
CASE NO: 2007-04608 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CHASE BANK USA NA
VS
ODONNELL JOHN H
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
ODONNELL JOHN H
the
DEFENDANT at 1336:00 HOURS, on the 9th day of August 2007
at 116 MEALS DRIVE
CARLISLE, PA 17013
JOHN H ODONNELL
by handing to
a true and attested copy of COMPLAINT & NOTICE together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing 18.00
Service 4.80
Affidavit .00
Surcharge 10.00
.00
~~~~lp 7 ~ 1 32.80
Sworn and Subscibed to
before me this day
of ,
So Answers:
l' --'E
R. Thomas Kline
08/10/2007
WELTMAN WEINBERG REIS
By:
Deputy Sheriff
A.D.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff'
vs.
JOHN H ODONNELL
Defendant
No. 07-4608-CIVIL TERM
PRAECIPE FOR DEFAULT JUDGMENT
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THI5 PARTY:
WILLIAM T. MOLCZAN, ESQUIRE
PA I.D.#47437
Weltman, Weinberg & Reis Co., L.P.A.
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#06057486
Judgment Amount $ 2749.77
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
CN~IL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No. 07-4608-CIVIL TERM
JOHN H ODONNELL
Defendant
NOTICE OF JUDGMENT OR ORDER
TO: ( )Plaintiff
(xx) Defendant
( )Garnishee
You are hereby notified that the following
Order or Judgment was entered against you
on
(xx) Assumpsit Judgment in the amount
of $2749.77 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:
PROTHONOTARY (OR DEPUTY)
JOHN H ODONNELL
116 MEALS DR
CARLISLE,PA 17015
Plaintiffs address is:
c% Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7a` Avenue, Pittsburgh, PA 15219
1-888-434-0085
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No. 07-4608-CIVIL TERM
JOHN H ODONIVELL
Defendant
TO THE PROTHONOTARY:
PRAECIPE FOR DEFAULT JUDGMENT
Kindly enter Judgment against the Defendant, JOHN H ODONNELL above named, in the default of an
Answer, in the amount of $2749.77 computed as follows:
Amount claimed in Complaint $2449.77
Interest from date of judgment
at the legal interest rate of 6% per annum
Attorney's fees $300.00
TOTAL $2749.77
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.
WILLIAM T. MOLCZ~N, ESQUIRE
PA LD.#47437
Weltman, Weinberg & Reis Co., L.P.A.
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412)434-7955
WWR#06057486
Plaintiff s address is:
c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 70i Avenue, Pittsburgh, PA 15219
And that the last known address of the Defendant is: 116 MEALS DRIVE, CARLISLE, PA 17015
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
JOHN H ODONNELL
Defendants}
IMPORTANT NOTICE
TO: JOHN H ODONNELL
116 MEALS DR
CARLISLE,PA 17015
Date of Notice: (~~~(1,Q ~
WWR#: 06057486
Case #C~~'Q4.~_C' tV 1 t~ TE ~ nn
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU.
UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A
JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY
LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS
PAPER TO YOUR LAWYER AT ONCE. TF 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.
TF 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
BY : - ~bbC~u~w---
__--
PATR CK THOMAS WOODMAN
PA I.D. #34507
WELTMAN, WEINBERG & REIS CO,, L,P.A.
1400 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.
JOHN H ODONNELL
Defendant
Case no: 07-4608-CNIL TERM
NON-MILITARY AFFIDAVIT
The undersigned, who first being duly sworn, according to law, deposes and states as follows:
That he/she is the duly authorized agent of the Plaintiff in the within matter.
Affiant further states that the within Affidavit is made pursuant to and in accordance with the
Servicemembers' Civil Relief Act (SCRA), 50 U.S.C. App. § 521.
Affiant further states that based upon investigation. it is the affiant's belief that the Defendant, JOHN H
ODONNELL 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, JOHN H ODONNELL is not in the military service.
Further Affiant sayeth naught.
--~~ y.f
AFFIANT
TO AND SUBSCRIBED in my presence this / ~ day
~t~3~~. ~ ~~d _._.~ ~.~._.~ _.:
(N~icS¢ J. '{e~;y. I^~lv?x~At{~~y~ i-~ubli~~ E
C~~Vjr- r (~~y{~1 fief ~SI~ 1 ~1~9/
My%:omini ,.rr x~ ra~`,~v ;~'~.i
A~iemb P `
er, ec,n,yl~,::,aa ..,,oiJCt~_f.:rl uF 1l ~..3,:6.i
This law firm is a debt collector attempting to collect this debt for our client 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
FEB-18-2008 08:38:48
'"~; Last Name First/Middle Begin Date Active Duty Status Service/Agency
ODONNELL JOHN Based on the information you have furnished, the DMDC does not
possess any information indicating that the individual is currently on
active duty.
Upon searching the information data banks of the Department of Defense Manpower Data Center, based
on the information that you provided,-the above is the current status of the individual as to all branches
of the Military.
~_ ~,-~
Mary M. Snavely-Dixon, Director
Department of Defense -Manpower Data Center
1600 Wilson Blvd., Suite 400
Arlington, VA 22209-2593
The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that
maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the
official source of data on eligibility for military medical care and other eligibility systems.
The Department of Defense strongly supports the enforcement of the Servicemembers Civil Relief Act
[50 USCS Appx. §§ 501 et seq] (SCRA) (formerly the Soldiers' and Sailors' Civil Relief Act of 1940).
DMDC has issued hundreds of thousands of "does not possess any information indicating that the
individual is currently on active duty" responses, and has experienced a small error rate. In the event the
individual referenced above, or any family member, friend, or representative asserts in any manner that
the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly
encouraged to obtain further verification of the person's active duty status by contacting that person's
Military Service via the "defenselink.mil" URL provided below. If you have evidence the person is on
active-duty and you fail to obtain this additional Military Service verification, provisions of the SCRA
may be invoked against you.
If you obtain further information about the person (e.g., an SSN, improved accuracy of DOB, a middle
name), you can submit your request again at this Web site and we will provide a new certificate for that
query.
This response reflects current active duty status only. For historical information, please contact the
Military Service SCRA points-of-contact.
See: htt~://www.defenselink mil/faq/pis/PC09SLDR html
WARNING: This certificate was provided based on a name and Social Security number (SSN) provided
https://www.dmdc.osd.millscra/owa/scra.prc_Select 2/18/2008
4. C' ;~
3 ("'~
~ ~`
~ f f .., ~".',j
Q
K
~ ~ ~ i~J ~
t,
/~
1 ~
`
~
',.` t ... ...~. ,,
... ~ `...
.
~ ~ .J,.~ ,~ i f`!"1
n V? `
~ e
~(
~~
(~'~
V \1
~
1
i