HomeMy WebLinkAbout07-4610IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff No: ~7- ~f(o/D Civ;( ~e,~
vs.
COMPLAINT IN CIVIL ACTION
DOUGLAS M SGRIGNOLI
Defendant FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C. Warmbrodt,42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
436 Seventh Avenue, Suite 2718
Pittsburgh, PA 15219
(412) 434-7955
FAX: 412-338-7130
06069285 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
DOUGLAS M SGRIGNOLI
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:
DOUGLAS M SGRIGNOLI
206 BOSLER AVE
LEMOYNE, PA 17043
3. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number 4266841071911604 .
4. Defendant made use of said credit card and has a current balance
due of $3101.78 .
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 $500.00 .
9. Although repeatedly requested to do so by Plaintiff, Defendant has
willfully failed and/or refused to pay the principal balance, and
accrued interest or any part thereof to Plaintiff.
Wherefore, the Plaintiff prays for judgment in its favor and
against Defendant DOUGLAS M SGRIGNOLI INDIVIDUALLY in the amount
of $3101.78 with continuing finance charges thereon at the rate of
6.000°s per annum from July 16, 2007 plus costs.
06069285 C J Pit SJS
This law firm is a debt collector at
our client and any information obtai
James Warmbrodt,42524
WELT WEINBERG & REIS CO., L.P.A.
436 ev nth Avenue, Suite 2718
Pit b rgh, PA 15219
(41 ) 34-7955
F 12-338-7130
ding to collect this debt for
will be used for that purpose.
Page 1 of 2
Statement rur alxoum numb..; asB6 ea,o ~,5, ,eoa
New Balance Peymanl Due Dale Past Due Amount Minimum Payment
53,101.78 ~~""~~06r03--)0--7 $348.00 $1,011.78
Amount Encbsed ~~ Make your chxk PryabN to Cnaae Cam earvlcs.
New aadraes a e-rneN? Nlnl on back.
CHASE O
3~~~, ~,~
4266841071911604001D1178003101780000002
Ot 115 3EX a 13M7 D
DOUGLAS M SGRIGNOLI
L~10VNE PA 17043-1927
IrrrlllrlrrlrrlrlrrlrrllrrrlrlrrrrlldJrrrllrrlrlrrrllrJlrrl
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19838.5153
L: 5000 L60 28,: 203 10 7 19 1 1604 311'
CHASE Opening)Clolung Date:
O Payment Due Date: 04/15/07-py1G07 CUSTOMER SERVICE
Minimum Payment Due: 0603/07 In U S. 1.800-9452000
$1,071.78
Espanol 1.88&d46.3308
TDD t-S00-055-8080
Pey by Phone 1-80P186-7858
Outelda U.S. call collect
VISA ACCOUNT SUMMARY Account Numbsr: 4238 6410 7181 7604 1•~2-~~
Previous Balance $3,101.78 Total Credit Line
N
B ACCOUNTINOUIRIES
~~~ P
O
B
15
ew
alance $3,101.73 Available Credit
C
.
.
ox
288
~ Wilmington
DE 19350
629
ash Acoees Una ,
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-
3
Avelleble for Caeh 50 pgYMENT ADDRESS
P.O. Box 15153
Wilmingon, DE 19888-6163
VISIT US AT:
www coM refill -rda
It's not too late to resdva the outstaMing balance on your credit card account. We have a
vadery of payment oplbna that may be right for you. Cell 1-83&792-7547 (colect
1-302.554.8200) today.
FLEXIBLE REWARDS SUMMARY To redeem your Flexible Flewerds points, call
Prevwue pants balance 0 1-800-80&2285„or b9 on to
Poinfa earned on purchases this period p www.chase.caNCreditcarcla for 24hour aclx~sa
Total pants Iodated INe period
New total points balance 3,474 to your rewarea program. "
0
FINANCE CHARGES
Finance Charge _
Daily Parodic Rate Correep. Average Daily Due To Transaction Accumulated flNANCE
Category 30 days in cycle APR Balance Periodic Rale Fee Fin Charge CHARGES
Purchesee .00000% 0.00°/ $2.437.68 $0.00 $0.00 $0.00
Caeh advances .00000% 0.00°/, $884.10 $0.00
$0.00 $0.00 $0.00 $0 00
Total flnence charges
$o.oo
E,fer;tlvs Annwl Parcentape Rate (APR): O,p0y6
Please see Infonne8on About Your Aocounl secson for balance computetbn method, grace period, and o0rer important Information.
The Corrrtepondirg APR b the rate of Interest You PBV when you carry a balance on any treneection category.
The Elfec3ve APR represents your total Iklance chargw . including tranaeo3on fees
such ea cash advance aM balance treneler Less • expressed ae a percenlege.
This Statement is a Facsimile -Not an original
X 0000)01 FI933835 D) see V B tt 0)Aa/tl Pe e ~ of t
e O6eee MA MA Orle6 136100000)000O11~Sm
ExHiB~r
https://instantimage.bankone.net/Star/ jsp/PrintDirectly.js0
6/8/2007
Page 2 of 2
Address Change Request
Please provide informatron below only it the address information on front is incorrect.
Street Address: -.
City:
Slate:
Lp:
Home Phone:
Work Phone:
E-maq Address:
L
lalOnnatioe AYat Yeur Aceseal
lslerEtNofark: Pleaseraponyourlostarsrolencardimm~diately
alfinp me Customer Service number Ivund on the front of your ablem
AtlMSOn ere always avaibble to assist you. Yvu wn reach an AONSOr
~ Dressing 0 after you enter your aaount number.
~ CnIHin1 al Paymeeb: for payments by regular U.S. mail, sentl at le
~ your minimum payment tlue to our past office box tlsignahd Ivr payman
~ shown on this ab[wnenl. Your payments by mail mUSI comply with t
~~ irotrudions on fhb sbtemanl, end must be made by <neck or money om
= payable in U.S. Dollars, and drawn on or pryable mrouph a V.S. financi
i institutlon or me U.S. branch at a foreign financial kls6tulion. Do net s
iw cash. Write your aaount number on your check or money order. Paymen
~ must beacwmpanietl by me Drymant coupon in the envelope provided wi
~ ow adtlres visible through me emebpe window; me envelope Cann
~ contain more men one payment or coupon; and mere cm De no shill
paper dl0s, file or covepondmce Inducted wim your payment. II yo
payment is in accordance wim our payment instructions and is ma
available to us on arty day ezcept December 25 toy 1:00 D.m. local time
our poet odice box designated forpayments an tlua shtemant, we will cred
me Drymenl h yow account a of tM[ day. If your paymant b in accoman<
wlm our payment Instrualons, Dut Is made avaitble to us after 1:00 p.
lopl tlme at our post omce Do%tlesipna[ed for paymants on Ibis shhmen
we will credit it to your account as of me next day. If you do not fokow ou
payment inatrudioW or it your payment is not sent by regular U.S. mail t
our post oMce boz desipneted for payments, cretlkinq of your payment ma
be delayed for up to 5 days. Payment made Nedrorkully mrouph ou
automated hle0hone service, Customer Sarvlce atlNaors. or our web sit
will be subject to any processing limes tlisclosed for moss payments.
Aueard lalombtioe Reaorlel to CndH Bunaac: We may repot
information about your ucount to <ndN tarsus. late prymems. miss
payment or omer dehulb on your account may De rsfleaed in your <rui
rpart. If you tAlnk we nave nponad irwccunte informaton to a cred)
bureau, you may write to us at me Cardmember Service address listed a
your billing statement.
Nellp Aheel Eler:trwde CMek Cawroion: Wnan you Dravida a check e
Dryment you auklodze a aimer to use Infomatlon hom your check to make
a one-time electronl< laid trerufer ham your aceount or Ip process me
payment s a check trareadipn. When we use informatlon from your checN
to make an electronic fund transfer, folds may De wimdrawn from your
account a soon as the same tlry we reroive your payment, antl you will not
receNa your check back Irpm your fklaraiN imtltutlon. CeN me customer
sarwee number an mis statement if you have questlons aDOW electronic
heck collection or do net want your payment collected ehc[ronlcaly.
CealPoanl Paymeab: Any payment check or Amer form of payment that
you send ua for Ise than me full babnce due that is marked "paid in full' ar
contains a sYniter rrohtlon, or m+t you omerwise bnMr in FWI sdsfactlon
of a tllsputed amount must be sent b Cam Selvke, D0. Box 15049,
Wilminplon, DE 19850-5049. We reserve all our riphh regarding thee
oaVmente (e.9. if it is determined there is na valid dispute or it any such
hecx is retuned at any other atldres, we may accept me check and you
will still awe arty ramairlinp balance). We may refuse Io accept any such
payment by rehming it h you, not castenp it or deVOyinp it. All other
payment tMtyou make should De sent to me apprpptlate payment edtlree.
Mnnal Ruebd NONec If your account Ms an amyl fee, it will he billed
ech ysr or in monthy installments, whemer or not you use your acrnunt
and you agree to Day i[ when billed. TM annual Is is non-rofundeble antes
you nody a tltat you wish te due your account within 30 days al me tlale
we mail your statement on which me amlual lee b cfurped and at me name
time, you pay your aubWding babnce in full. Your payment of the annual
lea dos riot addel our rights m close your account and to limit your right to
make hansecdons on your acceum. If your account is closed by you or us.
we rill comiue to cherpe me annual fee until you Day your ouhbntling
balance in lull and termkute your acrnun[ rebtlonshlp.
Faphealiw a1 flasace CYsryes: We calculate periodic franca charge,
using me applicable penodk raps shown on mis shtament. separately for
sch Is[ure (e.q., balance tnrofer/cornenienq checb and csh advance
mocks ("chetk transactlon'), Durcllase, balance tmsfels, sash advance,
promotional balances or ovardrad advances). Thee alcutetions may
combine different rrtegories wim me same daffy periodic tales. II mere is a
"V" next to a periodic rata on nib sblemenl, tlwt rate may vary, and [he
toils and margin used to determine mat refs and its cprrspondinq APR ate
described in your Cardmember Agreement. as ammdetl. There is a
minimum finance cherpe in any billmp ryde in which you owe arty pedotlic
finance charges, and a transaction linance charge for each balance Irensle[
cash advance, or Check Transaction. in the amounts sbtetl in your
CardmOmber Agreement s amended.
To get me defy balance for sh day of me curnnl DiNirp ryde, xw fake IM
beginning Mbnce for uch futuro, add any rlew Iransctidna or other debits
(inaudlnp feu, unpaid anence cherpe and omer cMrpeS). suhtrect arty
payment or credits, and make ether agetmenb. Trensactians are addetl
as of me Ireruaction data. the beginning of me bilGnp ryde in which meyare
posted to your ac<DUm, or a later date ill our choice (except mat Check
Vanaactgns an edMtl a of me date deposlhd by me payee or a later tla[e
of ow baits). fee ere atlded edher on the date of a rdate0 transaction, the
date may era posted to your account, yr the Wst day of the billing ryde. This
M' qve us that day's daily balance. A credit Oatence is Vs[etl as a balance of
ant. zero. II a daily periodic rate applies to any lecture, we multrpy me daily
by balance by me daily Denotlic tale b gel your periodic finance dlarges for
mat day. We men adtl mee periodic finanu charges to your tlaiy btlanca
ast to gel the beplmm~p balance Mrme nett day. (If more tlun one dally pedodic
b refs coultl apply based on me average tlmy balance, we will use the daily
he pedodic rate that applies hr the average daNy balance amount al the end of
er Ins billing cycle to rakWate Iha tlay periodic linance charge each day.)
al To pet your tohl pMOtlic finance charge for a biNlnp ryde when a daily
end periodic rote(s) apDh'e, we add all of the dally pedodic firunce charges for all
h fsluru. To tlehrmine an average daily balance, we adtl your tlaiy balances
m and divitle by the number of the days in me applicable billing rytle(s). If you
of mWtlply me average daffy balance for each feature M me applicable daily
e, periodic rate, and tlwn mWtiply each of mesa results by me number of days
ur in me eppNrable bllllrq cydgs), antl men adtl ell of me reaWb topemar the
da tahl will also equal me parodc finance charges for me bzlinp ryole, except
st hrmirrorvariatlons due ld rounding. To get your total periodic finance cfwrge
It for 8 billing cycle whan a monhy periodic raters) applies, multiply the
e averepe tlaily balance for each feature ly me applicable monthy peridtlie rate
rp. and add the reWts topemer. The tebl will equal me periodic finance cMrpe
t, for me bilgnp ryde, except for minor venatlons due to rounding.
r Grace Pedod (al Ieas120 days):
o We ec<rue periodic linance charges on a Iransaaion, lee, or finance cherpe
Y from me date it is a0tletl to your tlaily balance until prymant in lull is
r recaved on your account. However we do not cherpe pedotlic finance
e charges on new gumbos tiled during a billing cycle if we receive both
payment of your New Balance on your current shlement by the dale and
t time your oaymanl is due and also payment of your New Balance on your
e0 previous sttement by me dale and Vme yourpaym ant was due. There is no
t prece DerioO for babnce trensfere, cash advances, check transactions, or
t overtired atlvances.
n la additfep, it there is a `Oualilyia8 Promotional Financing` section an
qic sbtetanM, you will not incur periodic finance charges on an
Remeirknq Babnu mat appsre in that scdon if you pay met balance in fu~
Dy the appliahle EmUation Dah. To avoid finance charges on new
purchases when your New Balance includes arty Remaining Balance(s) in
the Dualiyklg Promotlorul Finandng section, pay your lull New Balance
minus me tohl of those Remaining Balance(s) by me date and time your
Dryment is due. However, it your ahtemenl shows tMl a minimum payment
is due, we must recerva at least that minimum payment by me date and tlme
sDedfietl on your shhment even if your New Balance consists only of
Dualiyinp Promotional Firuncmp balances.
Also, for same Oualiyinp Promotional Financing balances, periodic finance
<Mrps same dunn0 me Dromotlorel Dedod but era not addetl to your
account Mtence. Instsd, they eccumubte team billing ryde to billing ryde.
This la referred to az "deferred Inlerul." If a deferred Interest Oualifylnp
Promotional Firundnp balance Is not paid in lull by me applicable Expiation
Oats, the deferred finance charge will be added to your account s soon as
the tint day ader me Expiration Ddfe. Further, it you default antler the terms
of your Cardmember Apreament me defermtl finance charges will be adtlad
to your aaount as soon as the date of default.
BItLIN6 R16HT8 8UMMARY
la Cap W Emot a Oaeldios AVOW Your Bill: If you mink yow Dill is
wrong, or if you nail more information about a traroaction on your blp, wore
Certlmember Service on a separate sheet at P.O. Box 15299 Wlminpton, DE
198503299 a soon a possible. We must her from you no later than 60
tlay5 after we sem you the first bill on which me error or problem appeared.
You <an telephone us, but OoinO so will oat preerve your rights.
In your teder pNe s the fWlowinp Information.
• Your name and account number
• The d011ar amount of the suspected error
• Describe the error and explain, it you can, why you believe there is an error.
II you need more informaton, describe the item you are unsure about.
You d0 no[ Moe to Day any amount in question while we ere Invetlpelinp,
but you are still abfigaled to pay tM parts of your bill mat are not in
queaon. While we irnufipals your quulion, we cannot taboo you as
dellnpueM Or take aCtlon b COISCt me am0anl yo0 gOeSllOn. I(y0U have
aumOnzed ua te pay your Cretlit card bill 8unrmatically from your savings or
hedtinp account. you can stov me payment on any amount you think is
wrong. To Stop the payment, your fader or call (using me Cardmxnber
Service address or lalephane number shown do Chia ahbmanQ met taco
us at lust three husinau days before me automatic payment is scheduletl
to occw
BNela1 flab tar CnIN Gr1 PuroMse; If you have a problem with me
quallry of pootla or serWua mat you purchased wim a credit card texduding
purchases matle with a check), and you have Irletl in pov0 faith Io correct
me problem with me merchant, you may not have to pay me renaining
mount due an me goods ar service You Mve mis pro[eclion only when
me purchase price was more man S50 antl Iha purchase was matle in your
home ebb or xsmin f00 miles of your mailing a0dress. These limihtigns
do not apply II we own or oDereb the merchant or if We malletl you me
atlvenisement for me property ar services.
MA021207
https://instantimage.bankone.net/Star/ jsp/PrintDirectly,jep 6/8/2007
~ardrr>ember ~greernen~
CMA1Ze'15
ACCEt'TANCE OFTHf5 A6AEENiENT
This agrrementgovsrnsyour cradA card account with us rofarerued on the card tattier
canteininp the cord Jot this account ArrY use of your a ccountk covrndby lhts agreement
Please reed the errtas agreement and keep it for your recoils You enUtorka us to pay
1nr and charge yoar account for ag transacdons mrdo on your account You promise to
pa ustoraGVenstcUonsmadaonyouraceourrLuwegasenyfeesorGnencschergea
If this is s joint accourd. each at you, togedrer en onl are of ~ h rasponsrble for paying
eU amsuats owed, evoa g the recount is used by Y Yaa
Please sign the back of your rxod'u card when you receive it You rvr~ ba `o~ Wan it
a graeararttrT you x arryase euUrorked by you use your account tar a pup K
you don't s;gnyour wN•YVhslhvr you use your actrouri ue~, youwil W bound by this
agrssmerd tmJess You crnce! your account vvAlen ]0 days agar rocahdng yow card coil
you hrve not crud your rccaunt for arty purpose
Througftovt Udc rynsmMrL the words'we', "its and "out' maaa Cbtse Baa~USA,e p
the tssvar olyow cndA cud and accourrL Ths words'yor'.'ywr and p
parsecs rsspaesble (m complying with this agnemnnt,includragthe pusoa who epptfed
far the eteonn[ srrd tla person to whom ws addresr IeUmp sbbmeats, es ~ es srry
psrsonwhoegrvestobvGableonthaettovntTbaword'card'masnsonaorm ~~uou
cr ether access davitas, such as eecvvnt numbers, that we have issued b p Y
to obtain trade under this agreement
USING YOUA ACCOUM
Your etcounl is a cvnsrvrar secount coil should be used only for personal, family or
household perptuas Unless eve agree or a is ngvirad by law, we vrig not be responcibte
for merchendrsa or sarvtcrs pwchased or Iossad through use of yoar account You
promise m nee your account only for valid and Irvvlul tnnsatdans t~et k~ora tmhat Yin
ga mbgng meY by igapal is some pfoeer It is notaur respaasibdhy
uss your accoonl truly for pemessrbb transactions-and you vrUl rsnain respma'b!a for
F~YrnD !ot a (rantaction even d tl is not pernisslblr
Types otTranseciioos:
• Purthesac Yau may rrra your card to pay Ior~aaUS sr rersn:ea=
. Checks: y1Je may provide you cash advance checks to baletrte Vender checks ss a
weym useyow eeeseot We also ester to them in this sgntrmettt esa check at cheeks
Yau may tree a check repay tar goods or services, to treaderbrlentestvyeurucount,
or for olhu uses we agoW But You may not use cheer cbeeksla banslu 6alaaces to
the account from other retounts with us or say of atrrslatad earrrpaaies Daly rho
parson when Hama i'aprirded antha chalk may sign Wa check Cash advance charts
acv treaWl as cash edvanees and babnta Vansbr checta an tntud e: batanes
vensters except as noted in this agroament or ony oftarwe nekv to you Vih-mathocks
cheeks theiwa eeg ewvsrdante checks as balance transfer trucks Uowevs
dtatwe cd cotrrentsrrcbe treated es cash rdvance~ndasYsissadcssjltad+raoto tarts
for cash advances, met
and toes
• BalaeceTr+ostorsYormayvansterbalenceslromotheretcotadsotloanswiUtother
r1edA tars setters a ether lenders to rtes aeeoun<., or other batavice trarrsfsrswe allow
But you n ay not Transfer baiencos to this etcounl from other utmtrets with us or any
of out relrbd camparius.U r Process a enial ba onawrtroas~fer nprty your eva7ebls
aveilabk crsdrt tine, wa may P P
cndrt Gn•
Cash Advances: You soy use your card to get cash from srrmcneJic lager raschinas, of
from financial insUtutipns accepting )hs card; or to obtain tnvsta u ro e~i fj tolmty
curtevcy.maney orders, wire transfers arshm'!er rash-Gka charyas;
tickets, cesbm gereiepchfps, rate vaekwrgers or for cimgerbettiog Veusections You
mgYalsq pas a rh'rcd,^.srrysarvrce to me>•4 • peymAnt anysnrbs>wH and brllfhe payrrr:a
to thts a~coun~-
• t)vardreEt AdroaGs~s~k account t ayoublchockinp account wl-h our nl~tad bent a
banks. yon ey
cover an oretdcah sit Umt checking nccourn under the terms of this agreement end
Yaw chec[drrg occovm agraomant
Btlgap L11dac is a dsrtomenege yow etcounl. wa drvrde time irdn periods wged'bilfmg
pouraaccatuA ~ tgm»y~i br~'mg rydaethet ands in that foie ntlt Your account vvt~ have e
hr'tGng cycle ending in ratb caisndar month whether or not theta k e bggng statement
tar that bgGAg cycle
Antborizad Users U you agave someone to use your utounL that person curb be as
outharized osttc You should U»nk tsnfvA- 6olora agandrrg etryorte to 6aeoma na
authotizad use baeatrsa yon are agowing that person to use Iba aeeamt as You crn
Yau wll remain raspoasGrla for the use of your account and each card iaswA~rn yowu
atcmmt eceording 1n the terms of this agnomen( This breUtdes your nsporrsi 'Gty
paying aA charges os your eeeotmt msda by en authorkrd uses. eteaant tf you
Yar mty request en addnisnal tend for uss by ap atrtltadcad user oe your
dv sa, thin arc rot meY apps.-. on the erooa repot[ of (bet suUrodze::."er
You must notify w w terneneta m aulhorizrd user's pattrrtssroa to use yteu account H
you notifyus, we root' close the account mtUw iscuv a new card u esrdsvrilh a difterant
auount numhac You shoed also stover and drstrvp any cards, checks or any other
means of access bo yore auount from that tulhorized user
(;nditJ.isa:YoorcreddGnaeppeersonYowbAGngslntnmonu Wameyetsotetsrtothe
cndrt line es a utdA limb of spending Gtttit Yow MIGng statamest oho may show that
vrdy a pattbn otyour crad"dgna meybt used for cosh advances Cash sdroetas,inclrrdmg
cash advance (hacks, ate charged against lha rash advents portion of your cred,<fine,
and aq other trensacdans era charged against Yout credit Gna You en nspansi6la Eor
keeping Uack of yanr tccaum belrnca, including arty teas and fmanta drargea. and
malrirrpsu-aFtemaiasbelowyou~crodilGaa Ilyourac~ountbelencaiaoveryourcrodit
Ens tot eery reaaoa, rn ateY charge you an ovarfunit fan ss descrArad In this agtroment
Wa rnoy, but a re pot requhsd to, anthorke c hatgec Wst go over your credo fine You must
pay arty ammrrrt sure Your usd'a fmo, and you must payy es immediately U wa ask you to
Thb agroamsnl eppGrs to arty balance over yoar ttedk Gna
At our discretian,we mayincrrass, reduc r, or cancel yow credd Gna, or the cash advance
portico a! your uadrl Gna, et eery time Howevtr, i1 you Nova asked us not to do so, ws
wig notlncresseyorrcredhfma Achangetoyourcradhtmrw8tnotaHeclyourohGgriwrt
to pay vs
Intsrsslionai 3roasaeaiaes lntornationol vensatUons include eery uanseeUon that you
mekeln a IrzreigncernatYar that You make svtafde of the United States at America even
J it is made n U S ddus U you mete a trsnsscdon In a luafgn cwrenry, Yrsa
bttarnsUand a MasterCard {tAeraadonel, Inc., wU1 carwen tlw transaction into U 5
degas by usingits respective surtency conversion procedwes Tlw eschenga rate each
antky aces to convert camatp is a me that it selects either from the Hoge of Hies
rva8rble In the tvlrolesals curnnty markets for the appgeabls prostssing deb (which
nb may vary koor -ha reL the tespecUvo antrty itseg ncarvesl, or the
govsramsnt-mandated ntr in rttact on tJu appGcabie procsssbrg dab the retain strocl
an ffis applieebl^ proeasslag date rtuydiNer tram Ufa nu on the date you nsadyew card
u sctartR We reserve der right to chsrga yoe an additional thna portent i39:j of the
US dogeremoustalamyinbmationalusrtstction.wheUrerUtattrenseetionwacorpinaUy
made is U•S, d~srs or was made in another wrranry and eonvenad to U.S. ddlers by
tree or MrstuCard In either case, the I% wgl ba cdculatad oa the U.andetlemationel
prwlded to rsbyfhatorrtity Ths soma Drocacs endchergea may eppM ~ Y
vansectian is reversed
palucaltrgytborizs7rawdW'oUt~emr esons•.onotrequiredta,decGneaVencacUon
on yow accoarA for any ng
• because of operational considerations,
• because youracwunt Isle dalauh,
• g wa susperi trwdulenl ar unlawful activity or,
• is :ur j'is .ration. rx er.Y other rcrsnn.
Wr are amt rvsponslNe for any bases U a lransarUon an your account !z dscGrted for
any roacon, s'dhu by us or a thW parry. rvan U you have sulfieirrA credit avrUsble.
For oaGns trenseeimvs, we may squire that you ngtater your accotmt with an
ruUmrkeUoa syst^m that we seket Wa tM71 notify you U we wem you W ngisrot !!you
do notrapeslatvra meY dacGno your onfma Vanseelions
Refusal to Pay Cbscks:Eetb checkyou writs is your nqusst for tundc When we receive
e cheek for peymenL wo may nviaw yoar account la decidt whether to audtorize that
cheek chic msjt trot era nuoml rtre stilted ta. njatt and carom unpaid a check for any reason.
lnclydinp the iogoworg P
• Wa or one o(oor nlalod tampnrries is the payee on the check.
• Yovrcndi[WteorcashadvancaporUoaotyourcradittmthasbaenoxsaedad,wwould
6e vtceadedrltne paid the check
• Ths chsekispoat-dated If a pesi••dated check is pall. resulting in another the:k being
rearmed o[ not paid, ws an not respons(bb.
• You ere elauh at wotuid bs Ithws p>•id thateho k it
Lost of Stolen Garbs. Gbecfrs or Ateaenl Numberr; If any card, cheek, account number
or other means b octets your etcounl is lost tx stolen, or yon think someone used u
may uss tixm without your permission, you must notify us at once by cafgng the
Csrdmmrtbar Sarvica telephone number strewn nn yaw card or billing statement Do not
use your eccwrn aheryon notgy us, even d your card, check, accountnvntber of other
merits w access yow cccotm-ks found or nlwnad. Wa may terminate or suspend your
credit priwlagas vvlraa You notify us of any lass. theh or uneuUtorited use totaled to your
account
You moy frr: nrlda ri there ie umrur.nrsed ass a( ;mot': ar_q•nl httn vriita y:,'r nC:Ct_
no banefd, butyou wgl cot be gaMa Iw man than SSg.DD of such v:nsactiorrs, and you
wall not ba Gays for arty such vtnsacUarts mtda abet you notgy us of the loss, than or
unauthorized ese..Howevnr, you must identify for us the uss ulhtuized chsrpu item which
you teco"wed ao bensfd_
Wa may ngtirre youto prwidr us inlormelion in writing to help us find out whethapponrd.
We may silo regtive Yon to comply ypittr certain procedures in connection mrh our
invastigetirm-
PAYIltEtdTS
Peymen! InsWpiaes YDUf b7Gng statement end accompeny'mg envrbps include
inslntctlona yw must Ingow for making payments end aura Ion the deb and lime by
which yve must recom the payment
You agree 1a pay ut emotrtds you owe in U 5 dogors drown on (ands on deposit in a U S.
Gnentiel brsUtu6on or the U S. branch of a loroign finoncial institution using a payment
check, moaeYordar a automatic debhthetvvgl be processed or honored by ywr fmmde
InstituUtra 1Ma wiG not serept cash peytnems Your total everTeble credd may not bt
restored fur uP tD K dot's abet we ratans your payment
jury peymetrt check u echo fa.,e •d na,:neal whfth yes sand to us !:.• iris Thar the Ivl
octants matismsrksd grid in fait or with a simile dofadon w that {.u otherwise tenda~
In lug aetisfactios of a drsputad amount (condhional peymentsl. must ba santlo us a! the
t~'~sel prymedisaddraasfntod on yoar aronthiy statement We reserve eg our right:
ragerdinp such permeate ftrr szampla i! h Is determined there is no valid dispute or I
any ctreh peymavtrsroteived at soy other address eve may accept the peymeM end yor
vHlt scat owe arty tsoraisdnp balance We may re~uso to eccrpt any such payment b
returning it 1o Yau, not cashing it rs by dastraying it AA other payments that you mak
sfrould be sent to the regular payment oddrecc shown on your monthly statements
Wa reserve the ripM tD elecvonkaliy cogact your aligi6le payment checks, or fir:
prosvnunerrtarrd any represantmrnt hem the bank account on which the check is drover
Orr recrSpt of your payment checks is your avthvrfretion for us to coGectthe amount r
ExHiBir
the check otocuonicslly, og if Headed, by a drab drevun against tM bank eteount
Payment checks wit be eolloetad aisctrwdcafiy by sending the thsek tawuat along
i with the shack, routing Dmf eccaurrl numbers fo your book Your bank sceoonl may
be debibd es sertyasthe some daywe receive your payr~ont The odgirrst payment
cheek vuiR 6o dsstroyad and an image wig he maimatned m our raswds
Minimea Poymont: You agree to pay at Inst rho minbnum payment doe. rs s)wwn
on your bgfmg stetamonL so that wo reeciw a by the date and limo paymsal u dw
Yau may pay mue thin Iha nimiartrm payment dw and may Pay the Itdl emourrl you
owe vs at any lino. !! you have a balance inn k anbjod to furaace charges, the
soaneryou psyus,the toss yoaw6 payin finance chargerbecausa fnmca charges
accrue on yotubebncaeach day
Your biBng stetaraord shows your beginning belonca and your ead6rg bsiance lure
'Newfletanca onyturbgfingstatammti HthefJawBsloncaisSigggwbss,your
minimum payment dw wig bs the Now Balance. DUun+vite, it w6 ba the brgast of
the latlowinp:Si0~2910l ibe Nsw Beteaea; or the sum of 1!L olthe Naw$atance,
tots! bBed padottic reb ont dwCweralsti odd an em~aunlapast dua~art~d ~lemormt
part of the minimum paym Y
over your credo IMa
Payment Agocntion: You egroe Ural wa are authnrirod to agocele your payments
end credits in a wayy that is most levorabla to or convenient for us. For example, you
authodeo us to epplyyour payments end eradgs to balances with hrwK APRs (such
as promwtenel APRs] balare balances with higher APAs
Cr6dN Botaneas You may request a refund of a cretfil belonca at arty Ihrra Wa may
reduce the amavMol any credit bebnca bythe amount of Haw chergesortaes trglsd
to youractouat
Aulamelfc Charges Yoe may eulhorha a third perry to automeUcaBy charge your
a tcoum for repeat IunrecUons Rot exempla, montfdy udgq ehsrges, awmbarsfilps
and insurance premiums) g amomalit charges era stopped !a anyrsarmat ~rcWdmp
bateure your stcount is closed or suspended for erry reasoH] err yens account
numbe- chenpos,yon era responsible for notilying the biUar and payingUrosa charges
directly I(youreccountntenbetehangea.wemey,butarenottego~toCta.payR="'
yournew etcountnumbar charges that you Dudtarizad to be WUodtoyoar ak account
number.
Promodons: From Umo to Ume we may oNer specter terms IDs your account H wa
do, wa will notify yea about the terms of rho oNer and bow long theywil ba in effect
Any promadaa is subject to rho terms o1 tills agreement es modified by the.
promaUond oHoc
FINANCE CHARGES
Daily Pertodlc RaWs and Aaauel peresntopa Rates Your anneal psreeabps rate
{'APRty and rho torrecpondinp daily pariodit ratan eta fisted on the Aatas and fees
Tabfa that is at iha and d this document or Provided sapsntaly Ta gat the daily
patlotHc rata wo dhdda the APR by 365, and rn aflacl eiwayc round up at the filth
plots W the right of the decimal point
Variable Rates Om or mote APRs that apply to your aewuntmay varywith clangor
to the Prbne Rata When yon hove en APA Utet vertsr with changes is the Prima
Rota, vve eelcubb Use APR by adding a margin to rho Prima flab pub&~d in Ttra
1Ne9SfrsatJaumdtwo 6nsinsss deyt befaratha Closing Data shoNmonyaurbilbrrg
stslatsam The Yuma Reb' is Ura highest ]tl.S I Prime Rate published ka dta Haney
Rates sscUoH of 71wWe1fSrraetJaurnat fl firWaCStreat Jcvreatsbps Pubtirldng
rho Prima Rata, wa wig saber ^ sinaler reference rate and hrlnrmyou an your bung
statement tk through a separab notice
A'mergia` is Ura psrcantags wo add to the Prime Rata to t.akniate the APR A
'buthtess day is ar~tyr day thol is not a waakaad or federal hofidaY The Aatss artd
Fees Tabb shows tahleh sales, it any, ere variabia rates It also fists the mugin for
aeeh variable rete and any minimum dally periodic eta and wtresptmding APR
Two business drys befcra tiro Gosiirg Deter shmvn on Yaur odfmg statement wa gee
whet the Prima Vela is. We then rdd Iha sppGceWe margin b that Prima Aeto to pet
the APA. Tha deny perfodie rate is celeubled as daserrbea above
!f our caiculaUmr results in a thongs to a doily periodic rata trom the previous bUling
cyely because Ure Prima Hole has changed, the Haw rate veil apirly ^s of the Rrst
day of yotu billing cyeb That ends in the calendar month to which w. maeriudie
calculetloH IlthedaRypedodicrsutncreeses,yauwiilhevatopayalirgfie p
finance chorga end may have to pay a higher minimum payment.
t)atanil RDtts: Your APRs also may vary if you era in dalault under Uds agraortwm
or atry oUrar agraamantyw have wish us or arty of our related comperdas for tayol
the loflavrrng reesatu:
• eeeourq ores loan wrath us~a~ sent !ha m rdmum peymorrl due by the data oil n ere
due.
You exceed your credit iron an thla account
• You make a paymentto us that it not honuad by your book
• Tatheexbtttagowadbylaw,il,atarrytimeaheryoureccouMiselosad,wedamead
Immediate paymem o(your auutanding 6atanco and wo do trot rst:sive peymont
vhthht i.'1e time wa speclly
If any of these events aeeun, we may ineresse the APAs linclud'mg arryprmaotiane)
APRs on eU balances {sxeludinp overdnH edveneas) up to a msximrra of the dotauh
rate reeled fn the Rotas and foes Table Wo may consider the fofbaubip lectors b
datormine your delsah rats: the length of lima your aetaunt has bean open, the
ouslence, seriousness and Dining of the defauks on your aeconeC other indrsstwns
of your aeeovm usage and pprlormance; irdormoUon about your other rebUonships
with us or any al our rotated companies; and inlormadoa ova obtain Irom consumer
crodN repports ablained from credit bureaus Tha default rst-irr1R take oHoct as of
the fuss deya! the biting cyeb inwhiththe debuh Decors."and tat applpio purehese
balances bom the previous bilfinq rycle for which periodic finance charges have
not boon afraady biUod
II wn detdde not b Increase yourAPR avm Urouph Urero is s dalsull w if we do not
inerasu your APB up to tM medmum dalsup rata stated b Iha Rates and Faos
Tabir, we reserve our right Io increase your APR b the event of any luture drfevlt
Wa mry b our drrerelion datmmine b chesty redocad default rates ar rainstno
stapdard »tas iw sU or selaebd 6atsaess on your eeeovnt
FiaenesMargo Coleulelise-Two-Cysts Avrrsgo tTaBy Bdnaee Method pacludutp
New Pareberos]torPurchases asdAYtraga [tally Bsban Hotbed Ilneluding Naw
Trsnaeelioar] for Otbar 7roesestfetrs We cateubu periodio fineaea charges
separately tar ash belonca asestiebd with a ddianrt category et transactions
lies axampla,ptmhasor, babHeo uenslers, belanea transfer chocks, oath edventes,
cash edwaea checks, overdraft edYencas, andaach protnaUon]• Those eeleuloUwrs
may combiaa dUlarent catapariss wild ihs soma de$y psriodie rates Thls !s how it
works:
We edeulab IM periodic Nnaneo charges for pureheses In Mro slaps, as lolitwvs:
• Ftst lot aetb day of iha billing tycb, we muNipy the daily batonce by the daily
periodic rats
• Second, for each day of rho pprevious bllpnp cycle ws multiply the daily balante
far purehrsec made in that bitting tyele by tiw soma dsAy perrodie reto Hawavor,
wa do trot da Udr second stop H vvt raeafved peymsnt is lull of the New Belanee
an your previous bAGng stebmera by the dole and time lho minimum payment woe
dos or N a periodic finance charge was strasdy bRiad an that balance
We celctdata the periodic Gmrma cbargrs tar pwcherss subject to a promotional
rate the lama way. but wa nsa Iha pramoUonei nb
Ws celcubb periodic finance eharyas for babaee transfers, bolanes transler
that:its.esshadvsnees,tashadvenescbar:ks,andwsrdrehadvanees,bymuldp p
the daily balance for Hoch of Dross ubpories by Ure degy periodic tale tot oat al
thosecoteporlas, oechday You nuryluvs overdraft advencas onlyilyau have linked
this eteount b a chackiHp aecourd with ens oleos related banks a eeiculste the
pPdodic fnance ehnrgac tar belonca tronslars, balance vanrfer chocks, :ash
advaneee, and eesh edvonce chalks subject b a protnodonal rata rho some way,
but w~ ass the promotional rats
To gattha dedybabnca tar each daylw oeeh estegort:
• We take the bapinninp bsbnce for that day.
• W~ add to that balance any new unnsacdonc, fees, other chorpas, and debu
edprshasMs that apply to Drat eelogory. Wa odd a new purthaso, each advance,
6akttca usnstar or overdraft advance, d sppficabls, to rho deny bdsnca as ai the
ueasseUoa data, err a labs data of wu choice Wa add a new eesh advents cheek
or bolanes trarrsfer cheek b tM daNy balrnea ss of the date the eesh edvenee
chalk or balance tradsfor check K deposGed fry a payee, err s Inter dole of our
tholes
• We arhuact bom that bobnce any peymoMs, uadits, or cred11 adjustments that
eppiyta (bet eat~opory sad drat en credibd es of that day
• We oast a credit balmcr es s bdettce of rein
Te get the 6agimthtp 6eieace for each tetogory for the ne>ct day, we add the dagy
pariodlc fmanra chorus b iha dally baleturo H more then oaa da'dy periadie rats
cosld sppdrio a cetogory because the rete for the category may vary based on Iha
amaoM orris avuege daily trateata, wa wgl use flu deny periodic rob Urat appfias
fortha awrepa daily babnea runotml at iha end oI the billing tyelo fo eoleulata the
daAy pariodfe llHence cbsrpe oeeh day Th}s agraament providec for dely
eompound'mg of Gnsacs ebergss
To yyet Use total patlodic fineHCe charge for rho bdfurp cycle, wa add nil of the daily
padodtc fwnce chergos far each category (err sech day doling that bRting cycle,
plvrths daRyperiodle Ananea charges on ptuehases, it erry apply,lorthe previous
billirg ryrfa Hovwvar. ii arty porkdle ibraner charge is due, we wpi charge you at
least the nrinieurm poriodle finencs charge staled !a the Rates end Feas Table it it
h necessary b odd nn oddnianel emoaat to oeeh the minimum finance chorga, we
add that rnvrunt to the belenw forpurchasec made during the bilrnp cycle
Tha bbl (]Hence eherpe on Yaur account (or s biifing cycle wiU be the sum Df the
periodic finance charges plan any VansacUon tee finance cherpes
Froreath catoporywe calcnlns an average dsgybslsnea (mclud'ing nowtrancactions]
tar the bB&tg rycle 6y eddmg ep your daily bsbncos end drvidtng that amount by
the number d days in rho 6116np cyder It a paritrdit finence chorga for purchases
made dnrigg the previouc 6dfitrg cycle appfias, the avarega dagy beisnte !or those
purchases Is talcuiabd the acme wiy ! you mWUply the overage doily bsiance for
a cebgvrybyihat category's degy periodc rob, and muldpiy Um result by the number
of days br the 6Bfutg cycle, the Itnd wig agnei the periodic Rnnntre thargas far that
hebnce atutlruteble to that6Nftng cyeb, except for minor verisllons due to rounding
Grace Period and Aceruo) of Faeaco Cbergos: Wa accrue periodic finance charges
on a transacUoR tea, orfmrnce charge tromtlre dote iris oddadbyour dally bsiance
untg peymamin IuB Is ratohred onytrts eccatmt NswavaG we do notcharge periodic
finenea thargas tin new pweheses bid during a hgltnp cycle H vvs receive payment
~; yvt: Haw Balance by the dale and U•as your minlewm payment is duo and wo
rseahnd paymoM at your New Bdsnea on yarn previors biiDnp statomsnt by rho
dots and Dan your paymoM was doa.This axce on or'praca period' applies only
to purchesss and does not apply to balance trrnsfere, belonca uonstor chocks, cosh
advenas, cash advance checks at ovordrah advencas, U app6cabla
Tuassslisa foes Ior Cask Advaacas We mry charge you a cash advance lea in
the aawuMslatod in iha Rotas and Fees Tabb for each al the foliowinp tronsections:
• eesh advenee cheeks,
• cash advances
i adtl .. ai .r.:io'-7Lb!
to adddion, R you tree a third party service to make a payment en your bvhsif and the
service thargss the payment to this aeeourd we may durpe a tronsacUoa ue Iw the
, paymani
7ltese trnntaetion Ives arv linenee charges V/a add the tae to iha balance ttu iha totaled
category as vl the uansaelitm dais of the cash advents Fw example, r transaction tee
for a cash advance would be added to your cash advertce balantc
Trapsacliae Fses for Belenes Treaslots: Wv may chorea you a bnlence trancler tae in
the amount stated in the Rotas and Fees Table for oath of the following -rensactiona:
• balance irortstar checkr,
• balance tronslers
These transaction tees ere flnvnca Charges. We add the fee ra the balance for the related
eetsgory vs of fhe verrsectien dole d iha balance transfer. For ezampN, a transaction
foe for a balance vanslerwould be added to yew balance transfer balance
OTHER FEES AND CHARGES
Wa may charge iha loOotving loos The amounts of thaw teas arv gated in the Rates snd
Fees Table These tvssvsr'g be vdded to the bvlrnco twpurchoses made during the biRinp
cycle•
Annual Mombenhip Faa: II yotn vccount has en annual membership tae, h will be blged
each year or in monthly btsugments jes stated in the Rates and Fees Tabu1, whether of
not you use your aseontrL end ytnr agree w pay h when bBlvd Tko enmrN msmbwship
Lev ar npn•relundtble tndsas you polity us that you vdsh to close your account wiiWn 30
days of iha ilea ter msB year bNipg sutetnont on wbieh the annual membership Loa is
charged eta! otthe same time, you pay Your ouuuadmg bolrncv in IuR Your prrymantu'
the annum membershipp ue does not atlact our dgM to dote your actotmt or Bmm yo
right to make trensections on your etcauat !i yew accourd is closed by yon or us, we
will continue to charge iha ermuol metnberahip tea anal you payyouroutsUnding balance
in toll end Ierm)heta your rtcoutd relationship
Late For. II wa do not rocerw at toed the tsquked minimum payment by lire date snd
time it is due es shown en your billing riatement for arty biignq cycle, wv may charge the
tots Ise shown in the Rates snd Fees Table II the Isla iae is brsvd on o bdenca, we
cptr..latu Ulu ta:~ faa :rsbrg Ihs Previonc Belenre ai the current month's sutomem that
shows the late Ise This belspca is the caste ac the Naw Bdencr shown on Ihs prior
month"s statement for which we did not retoivr st least Ihs squired minimum payment
by the date snd time h was dne
OverlimH Fee: ii your aecoum bvionce it over your eredh lino at any time durng r Ming
cycle, oven ii otdy for a day, wr msy charge en overimlt Las Wa may chatga this Iva
ovenil your balance is war the credit Una boceuco via finance charge et fee wolmposed
or r trensecdon vw outitorizad Wa twig not charge morn then one owrgmh tee for any
billing agate But sea msy eherga an overfimit lea in subsequent billing agates, even it no
new trensretitms era made on your aeeaunL fl pour account 6alanea riell is over yew
cradh Tme at spy Ume during the subsequent biging cycles
Aeinrh Payment Fem U p) your poymeM check or simirr instnanent a not hoawed, ibl
an etttomado debit err other demonic paymem!< returned unpaid, or tc) we mnri return
o payment cheek bacousa fl is cwt signed or cannot be proeossad.. ova may ehrrpe a
rearm payment toe.
Retern Cbaek lbw: it ja) vw stop paymrM vn a cash edvanee ehrek or balance tronsfer
chatk at your request w jb) ova refuse to pay a cash edvanee check or balenea transfer
check, ova msy eherga a retain cheek tae
Administrative Fees4 H you request a copy of a billing stetemerr4 cotes draft w other
record of your ecrount w N yon requasi two w more nerds fir eery spvcfal services tier
example, vbtsirring cards on an e%padhed baslsJ, Leto may eharte you lot that services
However, we will rwl charge you for cooppLes of bAlling atetements, swiss drabs w simper
doeumvrds that you raquestfor a bdRng drspete you may asses opainst us under eppgcvbie
law. Wa may thotgo, for arty services Gated above artd otnar s srviess wo provide, the
loss from time to Ume in effect when vw offer the seroiz..
DEFAULTJ50LLECTtON
Wa may consider you to be In delauN it any of these pccur.
• Wa do nut receive atleari the minimum amount doe by the derv and fame duo os shown
on gone titling autemwtt
• You exceed your credh iae.
• You lag to comply with the terms of this agroemant or eery aortemeM with env of our
reload compmias-
• We obtain intormeUen lhvtsatrsaa ut to bafiova thetyau may oa ummlgng or unvble to
pay yyoour debts u us ar to ottmrc on tens
• You Tile lorbankruptcy
• You baeome incepeciulsd m in Ihs event of your death- ,
II ova eonsidsr your account u br in default we may nose your account avithotn notice
and toques you to pay your unpaid balenta immediatalttWe also may regtriro You to pay
intarosl at the eau of taro parerst (Z7L} a mtmlh oa the unpaid balance when ova deem
your account u be six or rmre biting cytbs past due.
To rho oxunt permitted byhw, it yoe era In detach beEauco you have loped to pay us,
yon wig pay ow cogecUon cleats: attorneys' tors court ces>;r. and ell other expanses of
enlorcinp our rights under b'ds agreemrnl
CLOffittvG YOUR AC6CUNT
You may close your eccouat st nny time It you call us to close your atcounL ova may
require that you confum your rvqueat in writing
Wo msy tloso your aecovd et eery Uma or ruspend gone crodit privAagas pt any lime for
airy reason wilhaut prior notice sxcrp! es required by appgcably few.1(we close your
account. we vdB hot be fiebir W yon tw any consequences resulting from closhrg Your
account or suspending yew eredh privgegvs
It you of ova close your accotmL you end any authorized users mast imme~aulY stop
ustnp govt eccoum end destroy a6 arils, chsckc wotha-maens to access your accovM
or return them W us upon request Yos well eorairare u by responsible la ehargas u yew
account even ii they ors made w processed char your eccoum is closed and yvv v+rTl
by requrrod u pay Ihs outriendetg balapca on your eccoum according to the terms of
this egterment. la rddfdon, to ihr rstoat aiowod by taw wa rney ngrdre you to pay the
outsundinp bskrnea lmmrdlruly w at any Umo eher your account is dosed
AA91TAA1'ID61 ASREEidENT
PLEASE READ TRlS AGREEMENT CAREFULLY. R PROVIDES THAT ANY DISPUTE MAY
BE IIESOLVED BY BINDING ARBlTi1NTlON ARBITRATION flEPl1tCESTHE RIGHT TD GO
TO COURT: YDU Vdill. NOT BE ABLE TD BRING A CLASS ACTION OR OTHER
REPflESENTATNE ACTFDN IN CDlIRT SUCH AS THAT IN THE FORM OF A PRIVATE
ATTORNEY GENERAL ACTION, NOfl Vy1lL YDU BE ABLE TO BRING ANY CWM IN
ARBITRATION A5 A CLASS ACTION DR 07HER REPRESENTATIVE ACTION. YOU WiLL
MOT BEA8LET0 BE PART Of ANY L'LASSACTiRN DR OTHER REPRESENTATIVE ACTION
BROUGHT BY ANYONE ELSE, DR BE REPRESENTED !N A CLASS ACTION OA OTHER
REPRESENTATIVE ACTION. IN THE ABSENCE OF TH15 ARBiTRATiDN AGREEMENT, YDU
AND VrE MAY DTHEIIWISE HAVE hA0 A flIGHT DR DPPORTUNITY•TO BRING CLAIMS
IN A COURT, BEFORE A JUDG E OR JURY,AND/DR TO PARi'iCIPICfE OR BE REPRESENTED
1N A CASE F11ED iN COURT BY OTHERS jiNCLUDING CLASS ACTIONS ANO OTHER
REPAESENTATNE ACTIONS). OTHER fUGHTS THAT YDU WOULD HAVE IF YDU WENT
TD A CDURi, SUCH AS DISCOVERY OR 7HE tflGHT TO APPEAL THE DECISION MAY BE
MOAEUftiil~ D(CEPi'ASOTNERYYISEPflOVIDED BEt01V,THOSERIGHTSAREWARrED
BiatiopArbhMioa.ThisArbilratipnAgrsamwpismade pnrsuonlto etrsncactioninvolving
intwsuu commerta, and stall Iw gwarnad by end be enforwrbia uadw the Fedvroi
ptbitnUonAethba'FAA'LBU.SC.51•iBahmrybramondrd ThisArbAretionAgroamant
tats ioRhtboeircomstar-evs and procrdnres enderwhich c)rbns Les defined belowimey
ba rssottnd by erblUrtion instrsd of befog Wipaud in court
ParkasCorsred.FortheyurpcsesoithitArbltrationAgrsament'sw; irs;end'our'slso
incbrdes otYpereN. snbsitfreries, etiietes, Ucansrea,pradeoassors,suecassors, assigns,
any purchaser of yew Aeeount end s1.ot Utek ofieots, dfractors, employees, agents,
andassignswanyendsiotthvm•AddAionagy,'we','us and'ou~sbdl ncludeatrythird
party prorid'mg beneTds,services, or products m ctmnecikm whh rho Account TincludinO
but eel Tmdted Io credit burarus, rprrehrnts that eeeapt eery eredhdavtes issued under
the Aet:ourr), rtmards progrrms and sarogmrttt seivie^.:, crvdh insarencv compcnlas,
dvblta6edera, and atf of thvirtslfieots, rgreetors, arnpbyaos, agents and rtrprasentetrvea)
il, end ordyit arch r third putty is named byyau es a w-detandaru in eery pebrr you assert
against us
Cinlms Covered. Fhhrr you or wa may, without the other's consent deal mandatary,
binding etbitroUoa of ~ claim, dlspnu or convovarsy by either yotr or vs opvinst the
otitey or against Ihs amp ogees,parents, subsidirriec, a1GUates, bepoticivrivs, vgonls or
assigns of the other; edcing !mm or relating in~any way u the Cerdnwmber Agreement,
anyprforCrrdetembarAgreemem, yotu wa6rturdAceotpu or the edvartishrp, eppBcetion
or approval of year Acerutt CClaim'l. This Arbitration Apreearem gmerns a!I Cisims,
tnhrlher snob Ckims ere based on irw, statute, contract regulation, ordinance, ton,
etmmrdr Ira, eonsthtrUonal provision. or any lagd tfwary at law tneh as respondaet
suprttos, or ngrolhat legal w rquitsble grotmd and wbrtltrr such Glebes soak et rernvdias
money dttttttgrs,penelUes, injunctioas,ot declaratory or equiul,N rein. Ctetms subject
to that Arbhrrtr"vnAprvemealineludo prlras regsrdingthe eppRcabigty of Utis Arbirston
AgraatrmrttwihrvaT~ty of the aMke CerdtttsmberAgreamentor eery prim Cerdmomber
Agreement This Arbinedon AgreernaM includes palms thrt arose in the pest, or arise
in Uta present or the future. As used in this Arbitration Agreement the farm Claim is to
be pNsn the broadasl possible mreninp,
Clrbae subjest u srbiuatiea lndudv Gabes that vre made as eountordeims, cross claims,
third prAy doims, interplaedrts or oUrerwiss, and a party who hdUates a pracaodlnp fn
court tttry drat arb}tretion with recpoet to any such Civimc edvancod in the lvsrsuit by
atrypartywperdes•
Assn vzcoption W Uric Arbiurtion Agreement gnu roofs iha right to pursue in s small
cleiras evert erryCleim Ihetis wilhinthateourt sjurisdiction and proceeds on en Individual
bests It a party elects to arbnate s Claim, the arbhretbn will be coadpcud as an individual
aeGon. NeRb:r yoc not we agree to anY erbitra:ion oa a :IBS; ur roprO~.: ibU:: basis,
end the erbiltstgr ship fiava no autitorityto proeesd on such basis.This mama fhet even
d a carts ecdsn lewcuil of other rsprtrsentetive active, sash as That ie ate form of a private
attorney general rcUon,ls tiled, my psba between us related to the lasses rafted in such
lawsrdts av~ be subject to sn intfividud rrbdredoa dabs U abhor you or we so elect
No arbhreUmt atilt bo wnsolidvud with eery ott»r srbitra8on prxsadmg without the
eonssnt d d prtNes The only Clsitns that may fm jainrd in en btdividuei action under
this Arbhreden Agrerpnent an tit those brarght by us against yon and eery fro-eppicanl
jest csrdtsember, or auUhorked Haar of your Acwtmt or yyour hairs or your trurive in
bardtruptry rr t21 those brought by you end eery to-sppfinut joint eardmembar; or
euUror4rd save of your Aetount, w your heirs or your wslee ie bankruptcy ageinri us
Inifiefioe rat Arbitration The party filing a Claim in rrbltreUan most choose ono al the
io6owing two arbilretioa edminiriratorc Amerieaa Arbitration Assoefatior or NeUonoi
ArldtraBoeFornm.Theceadministrators sro Indapandent Irom us The edministretar does
not conduct Utr arbdreliop ArbhreUtm is conducted tinder iM rotes of the sefecred
arbitredon edmbtituator by en impeAia) tbkd peAy chosen in eccwdsncs whh the rules
of the segetsd arbitration edmktlsuetttt end es mop be provided ht this Arbhretion
Agrsomtpri Arty arbltreUen hearing that you attend shell be held et a playa e:rase~ by
ihr orbifrstsr or arbhreuon tdmrrtiatntor vvithkt rho federal jutlidel tfratrra in which you
reside a! the lima the Claim Is filed, or at some other place to which you and ova agree in
writing Ton may obtain cvpiea of rho csrront roles of each of rho two arbpration
edmhdstraurt, inlormedon about arbhroUon end arbitretlon tars, end instructions for
inhietiag srblVetion by cnmsctirrp the arbitradon administrators et uflows:
Amsriteet Arbitrnfioa Arsveialiop, 935 Madison Aranue, Row fO, Nev+ York, NY
10017-d60.5, Web she: wwwadcveg.BOO-771-7679; or
Nstiesd prbilretlae Forum, P.0. Box 50th, Minneapais, UlN 55405, Wvb site:
www erbhrrdondvtnm emrr, BOO-474-2371
Prvcadnras end law applicable in srbifrallan. A singir, neutral arhitretor will resolve
Cbims.Tbe srbftrarervvRl eidrorba a IevvyerwtUt at laost ten years axpvrienea a e retired
_. t:i/tAi2c:
or former judge The srbrtrstion wig ba conducted under the appficabfe procedures
and rules at the arhhreUon edtttirrisvatw that en h eDect on the date the ubilratian
is flied unhss those procedures and rules ore inconsistent with tfih Arbivotion
Apraemerd, in which case this Agreement will preve7 These procedures and rules
may Gmk the amount of discovery avegal>to Io you or uc 7hr atfdvalor will apply
oppleebh svbstentiva bw consistent whh the FAA end rppGeable statutes of
limitations, and will honor claims ai pirvlege recognkrd al taw You may choose ro
have a hearing and ba represented fry counsel Tho arbilrotor Ivrlt take rsasonablo
stage to protect customer Aceotrm information sod other confidaa[iel information,
ineivdinp the use of proteetiva orders to ptohibb discbsurr outside rho arbiuatirn,
ii requested to do ao by you ar us, Tfia erbitrelor wit have the power to sward to a
party any drmages or other raGef provided (w under eppfiubh few and wgl nW
have the prwvsr to award reGoi lo, agaitrsl, or far the 6enafu of arty garcon who is
no[ a party to Use proceadmp tf tiro few ruthorizas such relial, the arbitrator may
award puntWe damsprc or attotrroir fees The erbivator wM make arty award in
writing bW need not provide a cletenronl of reasons unless requested by s parry
Upon r roquast by you or os, the srbhreWr vrtl! provide a brief stalemanl of rho
rensons for the award.
Casts` We will ralmbursa yar for the bdtiet otbiuation fiGnp tae paid byyou up to the
amourrt of Sip upon rotefpl of proof of plymvnLAddklonegy, R there h a hearing,
vvo wig goy any fsas of the arbitrator end erbifraUoa administrelor for the First two
days rd that hearing The peyaront of arty weh hearing toes by us wUl ba made
dkectly to the arbilrotion rdmirdstrrtor seladed by you or us pursvam to this
AtfrRrslfan Agreement All What fsas wlil be eUoteted in keeping with the rules of
the arfiiueUon ndminlsVator end appFicsble lees Howavar, we wRl advance or
ratmburse fiGnp ices and What fees U the srbhradon adminisvator ar arbitrator
determines there is good raasoa for requbing us -a do so or you eak us and we
determine theca fs goad testae tar doing so Fach petty wig bear the expanse of rho
tees nod costs of that party's eltarneys, experts, witnesses, documents end other
expenses, regardless of which party prevails, for erbilration and any apPpeal ios
permitlad bWowj, except that rho arbitrator shag apply any eppGcaWa Isw in
detetteininp whether a partyshavld rocaver erry or ail fees and costs Iron, another
Par'N
EniarcomenL finslfty, apposic Fadura ar any delay in enlorcing Ibis Arbbration
Agrsamsm al arty time, Orin eonnoetion wide anypan(cvlar Clnime,v+illnW eonstiwlo
s waiver of arty rights la rogofra srbivetion at a later time or in wnneetion whh ony
other Clsiars Any daelsion rerrdsred in such arbitration proceeding wUl be Final and.
binding anihe patties, unless a party sppeah inwrUinp to thr rubilrebon otganizetion
wrtbin 3D days of hsuenee sl the sward Tha spprei must request a new arbiuetion
before a penal of two nrevai arbitrators designated by the same arbiualron
vrganfuUon. The penal wll raconsidar all Isetud acrd legal haves snow, iogaw the
same odes that apply tv s procesdng vsfng s singes arbUrotar,and make docisionc
based an the vats o1 the mrjority lash party wiR bear their ovm tees, costs and
expanses far airy eppial, bW a perry map recover arty or ell tees, costs acrd exprncos
from anWhar party, if the rasjnriry of the penal of arbiVetors, epptyinp eppTicrbfe
law, so datsrminvs An rwer~d in arbivadon wM bs saiorcnbta es provided by thr
FAA or other eppGssble low try any court hevtnp iurisdlufon
Sawrabiifty, survlvoL This Arbivetion Agreement shell snrviw: fit termination or
changes in the CerdmrmbarAgrosmant, tits Accauntand the re(adonship between
you end us coneeminp the Aeevun4 sash es the issuing of a new eesoum number
or the iratrstarrhsp of the bdanes to the Aeeotmt to another eeeounC li7 the
bankruptcy of any prRy or enyslmlkr proceeding hrUia[rd byyou or vn yourbeholf;
and !f-el payment of the debt in full by yon or bl' a third perry it any porifon of chic
Arbivetion Agreement h deemed irrvoGd or unenforceabia, the rsmalning portiarts
shag nevrrtirrhss remain in cores
CHANGES 7't1 THIS ADREEMENT
Wa ten change this egraetnsW of any time, regardless of whether you Rave ar.,~ess
tv your accsuW, by eddmg, deleting, or modifying my provision Dur dgfn to add,
delete, ar modify provisions includes Gnetteial farms, such es the RPRs end leers,
and other tatms such ss Tha newts, extant, rod anlarcamenl of the rights end
obligations yov or we mayhave rrleCrng 1o this agreement MudiGcettons, rdditions,
or delrtions ero celled'Chmprc ore 'Change'
We will nvtily you of etry Chertpe U required byappfisa hie law These Changes may
ba offeetrve whh notice orrfy, at the lima stated in our notice, In accordance whh
appTrceble law Unless Iva stela olherl++isa, N'Y Change wdl apply to the unpaid
balances an Your ecsouW and to new Irensacoens
Tha natisa will describe arty rights you may have with respect to any Chanpa, and
the tontequances U you do or do nW exercise those rights For example, the notice
may state lhdt you may notUy es {n writing try a specitiad dais U you do no(went to
accept certain Changes wa ern maklnp II you noltly uc in tvritinp that you do not
accept the Changes, your ecrnnnt maybe closed (U it k not already cfosedl and you
v+nTl be vbGgeted tv pay Vasa outsbnding bafansr under Ihr rppiisabis terms of the
epreemant i(you do not natily vs fn wrting by the date stated in the notite. or it you
polity ua but Uren use your account abet the Aate staled in the natite you will be
,:.rt,w-.r: to accept all Chrnle: M l`•o nat::e end to accept and confirm all lens., c:
your agroamaW end all Changes in prior notices we have sent yae regerdtess ai
whether youhava access to your ecewnl
CAEOR WFORMATtON
VIIa moyperiotGcagy roviowyour crad'N historyby obtaining informotion Iron credit
buraetrs and others
Wo may report intormrtivn about you end your atcovn! to credit bureaas, including
Vote faAura to pay us on lima . U yon request additional cards on Vest accoum for
others, ws may ropori steounl informatimn in your name es well es in rho narnos of
thaw other steeple
if you lhmk wa have rrporiad inaeturats information to a ersdd 6rrreru, you may
write to us at the Grdmembar Sorvics address teed on Vaal lrNirrp stalsmanL
Pieria include yyour name, address, eecovm nuabey telephone muaber end a brief
deccriothre vl the problem 11 available, please provide a copy of 1ba trade bureau
ropori ie gtrastbn We ~ prtunpUy iavastigale the matter sad, it ors iavastigetion
shows UrN yea ors right, wa wRl contact each ersd'd bureau m wirieh wa roporird
the bdmaratma and wUl regvasl Ihry torts ct the report tl wa disagree wiUryou char
our iavastipetHa, wr wM tell Van in writing or by tehphane We wRl oho notify the
crodtt fxaeeu that you dtspWs the information unless yen la1 us know that yov no
longu dlsptRrr the lntnrmaUon
NDTICES/CNAN6E OF PERSDNALlNFORMATION
We wilsttad cards, ~t9 stetemoats end other notisastoyon sl the address shown
in ow UHtr. Oti U this h a joint eccormt, we son sand hRlinp stetarnards and naUces
Io arty joint aeeaont hotdet: Nods to ono vl you veil br considered notice en all of
you and al ad you wRl romsia obGpetad on Iho account
U yoe cbaege yrrw netm, eddrasa, or home, ceiluhr or btrsinass tohphvne number
ar emsR address lit you claw to rotoivr bRlinp sistamanLt or trthar aolisas vnfina-,
you awst ttvtUy ru immsditlely fa writing st the addross shown on your billing
stalemard. Vlfa Dray; et oar option, eteept matting address wrreeUaes from the
United States Postal Servito Ws may confect you about your ectouat including
tot s1-staaes servicr or ealrction, at any address or telephone rmmber es well as
any celebr tabphone nnmbw you provide vs.
TELEPHONE RtlONifDRIN6 AND AECDADtNG
We, amt U applicable, oursgants, meyfisten la and record Veer ldsphone calls with
us, Yon spree Utat wa, end it eppgcable. our spools, may do sa, whether you or wo
initiate dte tslaphane tell
INFOAMATIONSHAAfNG
You atnhorize ns to share cattalo iniarmation rboutyon and your acrnuntwithin our
femUy of companies, and with others outside ourfemAy of companies including any
compalry or orpenitstion whose name or mark may appear an the cards, ns prrmihod
by lees, Der P~iarY PoFcy, vA,it6 is pru:id:d to you Ivhra yov Grst rec!ivs an
agrermerd and aUerctonca oath calendar yaertherasher, descr~rs our information
shrirsg pneUesc end the eholees you hove and d(roetions you rosy give us about
our shsrhrg d iniormetian about you end your account wish companies or
vrganitoUons within and outside of our lamily of companies
IL[JNOIS CARbIHEtKUERS
IlUnvk Her provides that we may not share fnlormation abvm yon whh eomponlas
m o1Mr stpatdastistu outside o our Ismily of companies udess you suthoriu rho
disebsnre to tmisss tltr dischstue fags under strother exseptloa h fha hw (such
ss sherfep intortnaUoa to process your tronsaeliwrs or in rasporrsa to a subpveae).
Yonfiorobyepraethel,lyou ehoosanot to exercise t!ro eppUceWroptout described
to our Ptivscy Potiry, you IoM be deemed Io have atnhoritod us to shrro personal
inlotarotioa ova have aboutyou Gndnding information rotated Io erryal the products
or setviea yon may have with arty of our comperdasj wdh eompanlea or other
vrgmiaaGoarc outside of our iamRy of companies
ENFORt~htGTUTSACREERild4TT'
We esnddayanltushp Drool aniortr arty of our rights undartttis sgrosmantwiihout
losing our right to snHrca them in the incase- Ii any of the farms of this agreement
era found io br uaeniorseable, ail other terms will romain in tuff fares
ASSIGNNIt31fT
We may trrsipd your sccouat, any emourds you owe na, or any al our rights end
obfgstimrs carder thlr sprrameM to a third party Tfta person to whom wa make the
assignment tN7 bs oWiUad to erry of our rights that wa assign to that person
GDifFRNING LAW
THETEAMSAI~ENFORCEMENT DFTHlSAGREEMENTANDYOINIALT:OUNTSHALL
DEGUVEPJ~Oi:it'D INTEP,PILrTEC ItJ ACCOADI`~!L'E;Y:7Tf FF:DCitA1.UW:,(.5,T0
THE EXTENT STA'(E LAW APPLIES, THE LAW DF DBAWARE, WfFHOUT REGARD
TD CONfl.TCi-0F•lAW PRINCIPLES. THE LAW OF RELAWAAE, WfiEAE WE ANO
YOUAACE~UNTAAELOCATEb, WILL APPLY NO MATTER WHERE YDU LIVE DR USE
THEACCDUNI:
FDR iNFDRtRATiDN
Ploesa asp dro Cardmambar Service telephone trtrrrsber on Your card or billing
statanaMB you hove arty questions obovt your accoutd er this rpreemnnt
YOUR BIWNG AIGftTS
RaepTTda Nstica Far Fours Uso
Thh rtetice tonlains impogent iniarmation about your rights and onr responsibBidas
under Ihs FaY Credit 8ding Act
Notify Us fa Casa DI Error Or Duestions About Yonr Bill
II yon tidak Veer bIU is wrong, or ii you need more iniarmation about a uensatGon
on yoerir>N,tkrlte us on a soperato shear at the Cordmember Servlee address shown
on your 6Tmp statetrronl Write to us es soon ss poss~h Ws must heat from you
no later tlren W days aher wa cent you the first 6RI on which the error or problem
•Ppes:-•d wa .an tekphos:s u: b:? doing at wU' not presvr+tr your ri-vlis
In your ietlsygiv~ us the IoRowfnq information:
• Yow asare and seewrnt number
• The dolor smaeet of the suspected error
• DsscrPoo the strorand tntplein, it you can, whyyou befrove dress is an error II you
nerd errrre brlvrmetion, describe Tha Ilsm you ors not sore sbvm
Ii you haw astharited eels psyyoar tredil card bRl autwasticallylrom your savings
or chsckirp aecotmr, you can atop the ptrynrerd on arty aetsratt iron think is wrong
To stop dte payment Veer mtlet mast roach us at feast throe ttnaiaess days before
the automrlis prymamh scheduled to occur.
YourltTghls And Our AtaponaiblAtiea Aher We Aeceiva Yrnr Writue Notice
gage a of C Ql:.»;.".
We must ecknawfedge your letter wilhln JO days, unless v+a heva corrected the error by
then Wehin 90 days. we must either correct the error nr axptain why we beliavo the 6111
was correct
Attar we receive your (altar, we cannot !ry to eo0ott any amount you question, or report
you as deRnquant We cart cartlinue to bi0 you for the omovnl you quas6on, including
finance charges, end v» can apply any unpaid amount against your credit Gna You da
not here to pby any questioned amount whoa wa ere invastigeiing, but yon era sG0
obGgeted to pay dre parts oiyour bpi lhvt ere not in quostlon
li wa find that wa ma da a mislska on your bdl, yov will not have to pay arty Gnonee ehargoz
related to any gvasiionad amount !I we didn't make a mfsteko, you may how to pay
fmanea charges, and you wdl have to make up any missed peymaats on the gvasdonad
amount In either toss, wavnll send you o stafamant of the amount you owe end the date
that it is due
II you Isd to pay iha amount ihot wa think you owe, wa may toportyou as da0nquant
However, it our aeplertedan door not reUsly you end you write to urvdgdn 10 days lalfmg
us that you stGl relusa to pew wa must taG anyone wo report you to that you heva a
quastJon eboat your bGf Md, wa must tap yov the name of anyone we -epottod you to
We musttaM anyone we capon you to that rho matter has bean sefded between us when
it imeNy is
IT wa don't IoOow chase rubs, wa can't collect the lirsl S50 00 of the questioned amount,
even it your brD war oocrect
Special flutes for Credit Card Purcbasot
It you have a problem virth the queGty of property or servirea that you purehesad with e
credit card, end you haw tried in good faith to correct the prohkm with the marcham,
you may heva the rlphl notto pay the ramalninp amount due an the property or nrvicas
'This right does not apply to check uancactians fiord era two rimitauans an this riphC
(a2 You mutt hove made the purchase In your home state or, it not within yourhome stole,
vntttin 100 miles of your currant malGrtg eddratr, end
{b{ 71te purchase price must heva 6aen more than SSODO
i hese Gmitedons do not appiyii wa own or operate the mereltant, or itwa mailed you the
advardramenl tar the progeny or sarvlco: -
Copyright OZ006 JP1Norgan Chase & Co AO rights rosorved
?ago,r.~: ~ ."~riZG ,
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.
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SHERIFF'S RETURN - REGULAR
CASE NO: 2007-04610 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CHASE BANK USA NA
VS
SGRIGNOLI DOUGLAS M
RICHARD SMITH Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
Cr!17T('_AT(1T.T TlC1TTC'~T,~~ M the
DEFENDANT at 1247:00 HOURS, on the 15th day of August 2007
at 206 BOSLER AVENUE
LEMOYNE, PA 17043
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
Service
Affidavit
Surcharge
So Answers:
18.00
3 0 . 7 2 ~~~~~ ~~~
. 0 0 ~-.s'rs:.~''~
10.00 R. Thomas Kline
J .00
58.72 08/20/2007
WELTMAN WEINBERG RE`S n
Sworn and Subscibed to
before me this day
of ,
By:
Y
A.D.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
DOUGLAS M SGRiGNOLI
Defendant
No. 07-4610 CIVIL TERM
PRAECIPE FOR DEFAULT JUDGMENT
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
WILLIAM T. MOLCZAN, ESQUIRE
PA I.D.#47437
Weltman, Weinberg & Reis Co., L.P.A.
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#06069285
Judgment Amount $ 1239.53
THIS LAW FIRM IS ATTEMPTING TO COLLECT THIS DEBT FOR ITS CLIENT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No. 07-4610 CIVIL TERM
DOUGLAS M SGRIGNOLI
Defendant
TO THE PROTHONOTARY:
PRAECIPE FOR DEFAULT JUDGMENT
Kindly enter Judgment against the Defendant, DOUGLAS M SGRIGNOLI above named, in the default of an
Answer, in the amount of $1239.53 computed as follows:
Amount claimed in Complaint
Less payments received
$3101.78
$2304.00
Interest from July 16, 2007 to Apri13, 2008 $141.75
at the legal interest rate of 6% per annum
Attorney's fees $300.00
TOTAL $1239.53
I hereby certify that appropriate Notices of Default, as attached have been mailed in accordance with PA
R.C.P. 237.1 on the dates indicated on the Notices.
WELTMAN, WEINBERG & REIS CO., L.P.A.
By:
WILLIAM T. MOLC ,ESQUIRE
PA LD.#47437
Weltman, Weinberg & Reis Co., L.P.A.
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412)434-7955
WWR#06069285
Plaintiffls address is:
c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7°i Avenue, Pittsburgh, PA 15219
And that the last lrnown address of the Defendant is: 206 BOSLER AVE, LEMOYNE, PA 17043
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N,A.
Plaintiff Case # Q~ - ~-~(;,~Q C(Vl~ `T~KY''I
DOUGLAS M SGRIGNOLI
Defendant(s)
IMPORTANT NOTICE
TO: DOUGLAS M SGRIGNOLI
206 BOSLER AVE
LEMOYNE, PA 7.7043
Date pf Notice : ~~ 1 t ~'~-------
WWR#: Q6069285 ~~s
YOU ARE IN DEFAULT BECAUSE YiJU HAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES OR OBJECTION;', TO THE CLAIMS SET FORTH AGAINST YOTJ.
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, :'.F YOU DO NOT HAVE A LAWYER, GO TO OR
TELEPHONE THE FOLLOWING OFFICE ;3ET FORTH BELOW. THIS OFFICE CAN
PROVIDE YOU WITH INFORMATION AB~JUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ALOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS A'" A REDUCED FEE OR NO FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIA'T'ION
3Z SOUTH BEDFORD STREET
CARLISLE, PA 17013
{717) 249-3166
BY : ~~t~- Y hcwuW ~.~ ]C.x~ N.l wvd.ti
PATRICK THOMAS WOODMAN
PA I.D. #34507
WELTMAN, WETNBERG & 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.
DOUGLAS M SGRIGNOLi
Defendant
Case no: 07-4610 CIVIL 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, DOUGLAS M
SGRiGNOLI 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, DOUGLAS M SGRIGNOLI is not in the military service.
Further Affiant sayeth naught.
~ ,~~
AFFIANT
SWORN ~' AND SUBSC I E 'n my presence this
of ~.
CCMMnNVIt~AirTH OF PENNSYLVANIA
hc'arial Seal
NOT Y PU L Wendy L. Gmu~t, I+'ctary Public
City C)f Pitt~!su;~;~h, ~.;::~hsny County
My Cnmmieaion Ex~:E;rer~:.!;~iy 15, 2010
Mamber, Pennsylvania tissociation of Notaries
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 ror Mili*ary Status
Departrent of I?efense Manpower Data Center
Military Status Report
Pursuant to the Servicemembers Civil Relief Act
Page 1 of 2
APR-11-2008 11:04:05
~: Last PVame First/Middle Begin Date Active Duty Status Service/Agency
SGRIGNOLI DOUGLAS 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 Gaze 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, rind has experienced a small error rate. In the event the
individual referenced above, or any family member, friend, or representative asserts in any manner that
the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly
encouraged to obtain further verification of the person's active duty status by contacting that person's
Military Service via the "defenselink.mil" URL provided below. If you have evidence the person is on
active-duty and you fail to obtain this additional Military Service verification, provisions of the SCRA
may be invoked against you.
If you obtain further information about the person (e.g., an SSN, improved accuracy of DOB, a middle
name), you can submit your request again at this Web site and we will provide a new certificate for that
query.
This response reflects current active duty status only. For historical information, please contact the
Military Service SCRA points-of-contact.
See: http://www,defenselnk.mil/faq/pis/PC09SLDl:;.htm1
WARNING: This certificate was provided based on a name and Social Security number (SSN) provided
https://www. dmdc.osd.millscra/owa/scra.prc _Select 4/11 /2008
Request for 1'vlilitary Status
Page 2 of 2
by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided.
Report ID.•,V/RREVBUP
https://www. dmdc. osd.mil/scra/owa/scra.prc_Select
4/11/2008
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IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No. 07-4610 CIVIL TERM
DOUGLAS M SGRIGNOLI
Defendant
NOTICE OF JUDGMENT OR ORDER
TO: ( )Plaintiff
(xx) Defendant
( ) Garnishee
You are hereby notified that the following
Order or udgment was entered against you
on / p
(xx) Assumpsit Judgment in the amount
of $1239.53 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:
PROT ONOTAR DE TY)
DOUGLAS M SGRIGNOLI
206 BOSLER AVE
LEMOYNE,PA 17043
Plaintiff s address is:
c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7"' Avenue, Pittsburgh, PA 15219
1-888-434-0085