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HomeMy WebLinkAbout07-4614IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff No: Q'7_ "j(ol~ C~~; ~ l ~-ml vs. 7 COMPLAINT IN CIVIL ACTION JAMES N FOLK 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 06039176 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 JAMES N FOLK 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: JAMES N FOLK 556 W PENN ST CARLISLE, PA 17013 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number 4388576017542484 . 4. Defendant made use of said credit card and has a current balance due of $12085.52 . 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.OOOo per annum on the unpaid principal. 7. Plaintiff avers that the Cardholder Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 8. Plaintiff avers that such attorneys' fees will amount to $1500.00 9. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the principal balance, and accrued interest or any part thereof to Plaintiff. Wherefore, the Plaintiff prays for judgment in its favor and against Defendant JAMES N FOLK INDIVIDUALLY in the amount of $12085.52 with continuing finance charges thereon at the rate of 6.OOOo per annum from July 06, 2007 plus costs. James 436 06039176 C J Pit SJS Pitt (412 FAX J c:. iwarmbrodt, 42524 WEINBERG & REIS CO., L.P.A. e h Avenue, Suite 2718 ur PA 15219 43 -7955 41 -338-7130 This law firm is a debt collector atte~ipg to collect this debt for our client and any information obtainET{d v~11 be used for that purpose. Page 1 of 2 Statement rw accoum number: 4366 57601754 x464 New balance Peymenl Due Date Past Due Amount Minknum Payment ~ V N 1 T i D $1z,oes.sz oa2ao7 s'~eo.oo $3,389.52 Mileage PIuS' Amount Enckxved $ 66eke your check payable to Cnesa Cartl 9ervicr. New address a 6•mell7 Rfnl on Sack. 4388576O17542484OO336952O12D8552OOOOOO3 zxiaa aFx z peso] c JAMES N FOLK 568 W PENN ST CARLISLE PA 17018.2238 Irrrlllrlrrlrrlrlr.Irrllrrrlrlrrrrllrlrlrrrllrrlrlrrrllrrllrrl CARDMEMBER SERVICE PO BOX 15163 WILMINGTON DE 19888.6163 I: 5000 i60 281: 2 3660 i 7 54 24846na U N I T i D Opening/Cbsing Dale: 03/04/07.04I0.3r07 CUSTOMER 8ERVK:E Payment Due Date: 04/28107 In U.S. 1-600-s37-7783 Mileage Plus EapeRol 1-88&44s-3308 TDD 1-BOO955-8080 PaY fry Phone 1-800.438.7958 Outskle U.S. cell collect Minimum Payment Due for Credit Acoesa Une $304 ~ i-847-88&8800 Payment Due for Belanoe Ovar Credit Acceea Une $2.085.52 ACCOUNT INQUIRIES Pawl Due Amount $980.00 P O Box 15298 Total Minimum Payment Due . . $3.389.52 Wilmington, DE 19850-5288 PAYMENT ADDRESS P,O. Box 15169 VISA SIGNATURE SUMMARY Aeetwnt Number 4388 6780 1754 24!4 Wilmington, DE 19888-6163 Previous Balance $11,713.43 Credit Axesa Line Pumhaeee Cash Debits +$38 00 $10,000 VIER US AT: , , . Available Credit finance Charges +$303.08 Cash ACC6ae Une $0 www.chase oom/united $2.000 New Beknce $12,0&5.52 Available for Ceah $p Vou haven't made the required payments and your credit card account is 90 days pest due. As a result, your credit bureau may be updated with a negadve retlng. Please send your payment immediately or cell ua el 1-800.955.6030 (collect 1.302.5948200) today. MILEAGE PLUS MILES EARNED ____ _____ 1-eoo-a21-4665 (Mileage Plua> Milan earned elie afalemenl tram purchases p 1-800.241.6522 (fieaervetlone) Total mllea unavailable for redemption 18 Total mllee trena(erred b United p Open Mlbege Plea accounts, That are rwt delinquent, sera 1 mile for every $1 In purchases. Use your Mileage Rua card for all your purchases to sera miles Blot ran be redeemed for award (revel an United. TRANSACTIONS Trene Amount Date Relerence Number Memhant Name or Trensactlon Deecdptlon Credit Debit 03/28 LAT E 9.00 FINANCE CHARGES Finance Charge Daily Pedodic Rate Corresp. Average Daily balance Due To Trensaction Accumulated FINANCE Category 91 days in cycle APR Periodic Rafe Fee Fin Charge CHARGES Pumheaea V .08217°/ 29.99°/, Caah advances V 08217°/ 29 99°/ $6,447.15 $138.76 $0.00 $0.00 $138.76 . , . , Convenience check V.082iT/, 29,99°/, $!790,81 $6,460.21 $26.24 $139.09 $0.00 $0.00 $0.00 $0,00 $25.24 $199.09 Total finance charges $.903.09 ENecdve Annual Percenta8e Reb (APR): 28.8896 Please see Informatlon About Your Account section for balance computation meslod, grace pedod, and other important information. The Corresponding APR is the rete of interest you pay when you carry a balance on any transaction category. The Edactlve APR repreaente your total tlnence charges • Inclutling transacton fees such as cash advance and balance transler lees -expressed as a percentage. This Statement is a Facsimile -Not an original ~{ ncoooot F18aa33~ C ] 00a N 2 03 0]N4A3 Pepe 1 d 1 06058 IAA MA ~2a39 0931000W2e0p42Dlapt EXHIBIT https://instantimage.bankone.netlStar/jsp/PrintDirectly. j sp 5/31/2007 Page 2 of 2 Address Change IRegtaeet Please provide informaBOn below Doty if the address infom+eUon on front io incorrect. Street Addreae: __~______________________ Ciry: srata: -_ ZiP. __--- __-_ Home Phone: __- ___ __ Work Phone: -_- ___ __ E-mall Address: ---- L Inlpmatloe AYaI Tar Aedptlat date They are posted t° your account, or the last day pl the billing cycle. This Loe1 a Etola Carb: Plpse rport your lost or stolen card immediately by grog us that day's daily baWnce. A credit balance is trpted as a balance of cslling me Customer Service number fauna on the front of your sutemant zero. If a daily periodic rate applip to any lecture, we multiply Me daily j Advisors are always available to assist you. You can ruts an Advisor by balance by Me daily periodic rote W pal your periodic finenp Marpes for i pressing D after you enter your areount number. Mat day. We Men add thus periodic Space Merges to your dilly balance ! CMitiq NPaymea4: FOr prymants by regular U.S. maN, sentl a[Ipst tp Bat the beginningbdancefar Me nee day. (1lmore Man one daily pedodic your minimum payment tlua to pur post oNica box dpipnateO for payments rate could apply based on Me average dilly balance, we will use the dilly shown on this smtemant. your payments by mail mwl comply witn the Periodic rate Mat applip for Me average daily balance amount at me end of instructions on this statement, and must he map by check or money order, Me billing cycle M plculaW the daffy pedodic finance charge pch day,) ~. payable in U.B. Dollars, and drawn on or payable through a U S. lirendal To get your total periodic finance charge for a biting gcle when a tlaily ~, mstitutlon or Me U.S. bench of a lordgn financial instltu[ion. Do not send Deriotlic rate(s) apptip, we adtl all of the pity pedodic lirumee charge fprall roan. Write your account number on your check or monry order Payments Ipturp. To ptermine an average pNy balance, wa atld yow daily balances must Deaccompanip by Me payment coupon in Me prdape prowpd v4m antl dwide by the number of the pys in the applicable bi9inp cydels). If you our atltlress visible through me erwelope wintlow, Me envelope cannot multiply me mmpe pity balance for each future by me applicable pity contain more Man one paymem or coupon; and Mere can be no staple, periodic vale, and Men multlply pch of mpe rpulis by Me number of drys paper clips, tape or cprresDOntlence Indupd wim your paymant. II your in Me applirable hitting cyde(s), and Men adtl all of Me rpults iogeme4 the payment is in accordance wits our payment instructions antl is made total will also equal Me Detlodc finance charges for Me bNlinp cycle, pcept avaiWDle to w on arty tlay except DpemDer 25 by 1:00 p.m. tool time at formirwr variations due to rounding. To Oet yourtotal pedodic finance chrge ourDptottlce box tledpptetl forpaymmts on this statement, we will credit for a DilNnq rycle when a momhly periodic rate(s) applies, multiply the me payment[o youraccoantpof Metdry.lf your payment is in accordance average pky DakncefdrpM future fry Me applicable mouthy Denotlic eta wits our payment instructions. but is map avaiWble to us after 1:00 p.m. and aaa the results topeMer. The total will equal Me Dedotlic finance charpp lout tlme at our post pltice box tlpignatetl for payments on this statement, for the killing cycle, except for minor variatlons tlua tD rountlinp. we will credit D to your account as of me next deg If you tlo not follow our Cnee Paddl pt IaN 20 dap): peymeni iptrudiona or it your DaVmant u not sent Dy repWar LLS. mail to We eccrw pedadk linance charges on a transaction, fee, m finance charge our Dpst ollke box tledpnatetl for payments, crediting of yourpayman[may Tram Me date it is added tp your dairy bdanca until payment M full is De delayed Ipr up to 5 days. Payments made dedronically mrpugh our received an your account Nawever, we do opt charge periodic finance automalad telephone service, Gustpmar S5rvIC0 atlvisor5. Or der Web Site phargp on new purohpp billed during a billing cycle S we receive both will be suDjed to any procpsinp Dmp tlisclosed for Mose Daymants. payment of your New Balance on your current statement by the data end AccaaN labnntin RgoHal to Cn1it Bomar. We may report time your payment is due and also payment of your New Balance on your inlormalipn about your account to creak burpus, late payments, missed preview staumenl by Me dateand time ypurpaymant was due. There is rip payments or other defaWts on your account may be reflected in your credit grace period for balance transfers, cash advance, check transactions, ar report. If you think we have reported ineccurote information to a credit overdraN advances. bureau, you may write to ua at Me Cardmember Service addrps listed on la deitigr, it Mon la a "Onliryiq PromatloW Finpiaq' saptioa oa your bilSnp statement. Mia eYbmaal, you will not incur periodic finance charpp on any NNiee Algal Elepdrea's Clpk Ceevmip: When you provide a check as Remaining Balance Matappprs in that section if you pay Mat balance in lull paympt youaumori:e w dtlrer Ip up infarme0on from your check to make by Me applicable Expiration Date, To avoid finance charges on new a one-time dedronic land Innsfer from your account or to process me purohpes when your New Balance indudp any Remaining Balance(s) in peymant p e check Vareacdon. Whan we up Inlomutlon from your chock me Dwlifylnp PromodolW Finendnp Becton, pay your full New Balance to make an dadronic land transfer, funds msy he withdrawn From your minus Iha total of flap Remaining Balance(s) by the pie and time your account p sopn as the same day we receive your peymant and you will not payment is tlua. FWwever, it your statement shows That a minimum payment receive your check back from your financial inatllution. Call Me customer u due, we muss receve at taut that minimum payment by me date antl tlme ssrWce number on mis statemanl if you have quesdow about elatronic specified on your statement, even if your New Balance consists only of Mack collection or d° riot want your Daymmta collected ebctroniWly. OwNlyirp Promotional Firuncinp balancp. Cnlltlaal Payrxoata: Arty payment check or omer lorm of payment Mat Also, for some DueOyinp Promotlpnal Financing balancp, pedodic Seance you send w for Ins Than Me full baWnce due that is marked "paid in toll' or charpp accrue during me promotional gaud but are riot added to your conldw a similar natation, or Mal ypu amerwise tender in lull satlsfaction account balance. Instpd. [hey accumdale from billing cyde t° billing cycle. of a tllaputed amount, mwf Da sent tp Grtl Service, P0. Box 15048, This is referred t° p "tleferratl intarpt." If a plerred intarpt Owlityinp Wllminpton, DE 19950-5049. We reprva all our nphta npaNinq these Promotional Finendnp OaWnce is not Daid in full by the applicable Expiatlon paymenta (eq., if it is determineO there is no valid dispute or if any such Date, the deferred finance charges will be aped to yauraccount as spon as check is receivetl at any other atltlress. we may accept Me check and you the first py oiler the Expiration Date. Further, if you default under the terms will sell owe any remaining balance). We may refuse to accept any Buts of yom Cardmember Agreement the deferred finance charge will be added payment by resuming it to you, not cashing it or dplroyinq it. All other to your account az soon az the ate of default. paymenta shit youmake ahoWd be sent to Me appro0nate payment atltlress. BILLING RIGHTS SUMMARY Anal Raawal Netler. II your account has an annwl lee, it will be billed In Csp N Enoo a Ouaatlna AIaW Ypr BiIL If you Mink your bill is pch ypr pr in mpnlhty installments, whether or not you use your account, wrung oril you neeO more informaton about a Vansedian on your bill, write and you agrp t° Day i1 when billed. The annwl Ip is non-refundable unless Cardmember Service on a separate shah at P.O. Sox 15299 Wilmington, DE you polity w Mat you wish to Go9e your account Withal 30 days of me data 19950.5299 p soon p Dosdble. We must her from ypu no Ater than 60 we mail your stateman[ on which me annual lee is charyed and at Me same days aker we sent you the first bill on which Me error or problem appeared. time, you pay yow outstanding balance in full. Your payment of the annwl you wn telephone w, but ping so will rat preserve your rights. makeo awacpos on ouhaccounte II o o raccoons Wddpsed byour right so In your letter, give w the follovdnq information. we rill cominue to charge the annual lee until you Day your outsandnp • Your name and account number baWOCe in fug end termipte your account fetatlonship. • The dollar amount of the auapectetl mror FxNnNiea N Fiupe Clagp: We ralcuWle periodic finance charges, •Descdba me errarand explain. if you can, why you believe there is an error. using Me aDdinble periodic rasp shown on Misstatement separotdy for II you need more information, describe the item you are unsure about. pch fpluro p.q., balance trawkdcomerxence checks and cazh aaaance you tlo not nave to Day any amount M queatlon while we are invptigadnq, Mecka ("check trmaaction'), puroMep, balance nnafen, cph advance, bN you ate stlll dblgatad to Day the Darts of your bill Mat are not in promotlonal balanep or owrdrad edvancp). Thpe alcutatlans may qupfipn. While we irlvptl8ale your qupti0n, we cannot report you as combine dOferant pleppries wim Me same daily periodic rasp. If there is a tldinquenl or lake action to tolled Me amount you questipn. If you have V" nazi m a periodic rate on Mb smement Mat rate may vary, and the aumdrizetl us to pay your credit card bill automatically from your pvmgs or index and margn used to determine dot roteand Its corrppondinq APR are Meckinp aapunl, you can atop me payment on any amount ypu Think is described in your Cadmember Agreement. as amended, There is a wrong. T° atop IM payment your tailor or call (wing Me Cardmember minimum Seance Marge in any billing ryde in which you owe arty parodic Service atldnp or telephone number shown on Ibis etatamen0 must ruck Seance charges, antl a transaction finance charge for each balance transfer, us at Ipst three businps days before the autpmatlc wyment Is scheduled case advance, of Mack Iransaptlon, in the amounts stated m your tp occur Cardmember Agreemanl, az amended. &Neial RaN ter CnIN Gil Pam4ses: If you hue a problem aim Me To pet the duty hdance far pM day of Me current Dillinp cycle, we Wks the guUity of goon onerviees Mal you Durohped wits a cnMt aril (acdutlinq bepirminp balance for pM fNGlre, adtl arty neW da115aptlprU or ether debits purchpes map with a check), and you have Tried in good faits t° turrets (indudinp tap, unDaltl M1nana charpp and omer cnarpos), subsoils airy Me problem with Me mordant. you may opt have to pay Me remaining paymenb or credits, end make omer aawtmanta. Tronpcaons aro atlded amount due on Me pooda or prwcp. Vou have Mis prptedipn oMy when p of Me Oanpction date, Me bapinnirp of Me bilsnp syde in which May era Me DurMap price waz moro man S60 end [fro purMap was made in your posted to your acwum, or a later date of our choice (except Mat check home stab or widen 100 miles of your maianp addreu. Thpe limitatiom Vanpdions aro atlpd n pf Me pu depodtad by me payee pr a Wbr eta p opt appy If we own or oDeroG the merchant or If we mailed you Me of pur Molcq. Fap ere atlptl elMarpn the date oh rNatetl Ironsacdon, me atlvertWamant far Me property or sarwps. MA021207 https://instantimage.bankone.net/Star/jsp/PrintDirectly.jsp 5/31/2007 ~ard~em~er A9reerne~t CMA12~5 ACCEPTANCE DFTH15 A6AEFl~,ENT Th[s agreement governs your credo card recount vdth us roterented on the tar eum e contrininp the card Jat this account /urYusa of your accountis coveredbythls ag Please road the entire agreement and keep N for your retards' You nathorfta us to pa tar and chorea your account for zG transactions made on your eceount You promise pa vs(oraGVansatfi°osmadaonyou-accountaswsprseny[tatorfinancathor9as If this is u Joint account. -och of you, together en o!d once j~ lu tesponsibla to paying ell amounts owed, anon p <bf uucdvrt ~arduwhertbyou receive hYw wr7 6a bound by thik Please sign the back of yo ou use out account for n purpose, oven it sgraemantrTyouvrrrq'oneautharhedbyy Y you donYsipnyoureard•YVhslheryouusr youracevuatataolyou be bound d Uritl e graemerrt unless you cancel your aceountwdhin ]0 days attar rocaivinq yo you have not used Your account inr enY WrPasa Throughout Ihls rgrermrnt dtr w°rds'ws , "os and'aus` moon Ghase B o ~~ moan +G the issuer of your trodrt send and whh Urlt ap~raetnarnt,Lrcirrdiagdte person who epp6dd persons trspoaabH (o- wmptylnq meats, «c wee ss arty' for the oecount and tba person to whom ova eddrrss bidmp stela persoawhoagroeslvh°6ableonthaeecoua[Thaword'nrd'maartsoneorm:~rt roe cr ether access devices, such as account numbers, that we have issued Io p Y tv obtain coda underthk agroemant USING YDUG ACCDUNf y housahot d pvrPosas Untrss ors a9ne or his togrdrnd by Jaw, ova liviD Hoot ba r~esPonraiblr p~m°1•o~a ja us your scesunt only for va d end hwlui tratuseil rte vFor ezvmPls~mtamat pa mbpnp meY b0 plegnl in ssrmisskbla trense Go rr a nd yonr+Pp teme'rn rasponsbta tot use your ntcvunl only is on d h is not eraissiblr p.yinq !or a trnnsectiort av P iypas a[Transadiorr>~ • Putchepec You may use Your card to pay for {jtrotlY nr seNtte9•_ - Cheek's: We may provde you cash advance checks a 6elann uensfer cheeks as e way m use your aernmt Wa clot rater m them h this apnvmsnt us shack or cbacfs You may use a check m pay for q~u rtre snot usa~fha>;r chucks to uonsfar balaoees to or Ior othaf uscsvve dbsv.But yo_ Y of our rotated companies Dnfy the this account from other ectovnts wish vs or my psnvn whose Hama isprinrod onrha chalk may sign Ihr chalk Cash advance checks are truebd as ash advances and balenta Vansfa~torwemakntaryou Wemeytrem transfers nzeapt es Hood ie this agroomrnl or ony chocks cheeks thrttvs teG eoavenlenca chacYs asbalange9rwrsiu chucks-yowevay titatvve csG errrmatdans6 trratad ec rash odv~ntas endasosassedsrasih advan a totes iorcash advnncas;maY .: . end foes •. BalaaeeTraas[orre•Yoe.maKtT~nslubnlenushomotheroccountsvrloanswrthoth~r cndd.earlissuatsorothrrlanderstothisabeoard,-orolherbolartti~let=v+a ottovr Butyou rt ay nut Iranslar baleneas to ttds account from other aetounts with us or my of our related cortrpaairs.p a Process nap nfal baHoca transfer up to~Y°°r a labia awUbie trcdt Gnr, ova may P rrcdt 5n• - Crab Advances: Yoa may use yore card lv gel cash Iron euwmotlc teprr machines, of irnm Crrsancial instlnnions accapilnq iha card; or to obtain vawlers checks, foreign crruranry. money orders, wire transfer or similar tash•trYe chatpes•, or to obtin IoGary tickets,cashwgrmiapthlps,rncrlntkwa9arswlocsln'parbrlunplronsoctions You mgyatsq yea a rh'rrd psdysarvsce to marr4 a peyrtvntnnyourbe-ap and bplthe pRyrtrar io rids reevunt_ • Overdrvlt Ammo' e4 ~k ~Ctaum t oyo ~I~ehe~a eceount uu'tlr our tainted bank Ia banks. you rY corer sa vve reN oa Ihsl theckinp eecourrt under rho urtra of this agreement end your checking esteem agreement BflpnpLyttsclnader ~r~ie0r~,igtriteconniLmonthinloapt~h Foriachcrlendermonth tytios". Eeeh 6G1•mg ryc pp y your ntown~d'Gbr4s!vaaseb crotendar month whether ormimt than h o bpling stNat ment bilTmp tyd for that bGlmg tyets. Amhmltad ~~ N you apaw someone to use your eetoun~ thatrpe ro become sa outhorized Hart You should think enntuGY before aGowing orry° eudtot[zsd user 6serusa yyou are aGowiny el parses to use Iha account as you ten Yoa wBl remain yesponsGdi for No usr of your atrount and Lath card iaoad oa your account eccarding m the terms of Uds agrcsmanl This irthtdes your rasponstbiGty ter paying aG cbr-grs as your esteem made by an authorized user. acrovnr If tort Yoe m rgquart en addnlonol card for use by en arnhorltrd usaroa yew do so, this etc r.nl may appv:. on the croon report o- that authorket •rer Yar must nou'fy us m terminela on authvrivd user's potmfssioA to use your account N you nvGfyus, wr may tlost rho atcaunl sndJor issue a Haw card a eardsvitth n diflsronl eeevuntnvmbee Yoe sbotdd else stover end destroy arty cards, checks or any other means of actrst ko yvm oecount hem that authorized user F~ j.7re: Year eradd[mr epponts on you bpting stetomrnts We may also rater to the credit lion rs a aadd Tung or spending Gmit Your billing stetamaol also may show that vtdy s pordon otyvur trodrtfina maybe asad for tbsh adwocas. Cash edvaatoc,inchrdmg cash advrnce thoelst en eMtged against pov rash advantr portion of Yoa cnsffileknlw end ap other trnnsethons are charged against your eredh 6na. Yau era respa keeping V:ck d yflar account brlenea, irreludn9 airy foes and frnaan chstgea, and makinpsureltremahrsbelawyourcredrl6ns liyyovuraccauntbalanuiaovaryouruodlt Gne Far rrry re rsou, ova may charge you sn ovetpmh iva as described H this rgtesment pay sat' amount wrrayow ered"e (inoe nd Yau must pr~~trrgus immediately r7 wr askoyoutot This eprcamrnl nppGas to arty balrnca rover your txadh Gns At our discra4nn,wa ~moyfnerraza, reduc a, a uncol your crsdx Gna, or the cash advance poAioe of your uadrt Gns, et arty tuna Howew , ii you Nova asked us not to do sa, we wt•Nnotlncreessyourcrrditfinr AchangamyourcradhfmawiunoleHeclyourobfipaiwa to pay us Intvraetional •frousotioas lnloreailoaal uansacpons ivcludr arty transacilon that you mek a ht a loraign cturcnrY or that you mate outsWe or the United Sulas vl Amtuic^ evr n d it 1s made n U S driers U you make a Irensscdon fn o loralpa currenry, Yrsa Inlernelional m trlasDrCerd Inletaailonal, 1nc., wpl evrrvrrt the transecdon brto U 5 dvGets byudnp its taspactive eurteney eanvarzion proeadwes Ttrr axehanpa rata oath andty aces tv convert csrrvary is n nu that h salrtts eilhu !rem the renpn of relax availabie In the wholesale currrncy merkau for the eppgeebla protrssinp data (which rata may vary Irbm the raL the -aspacllvo entity hsrG reeervrsi, or rho govarnment-rneedrrod rcts fn efl.cl on Hu appGeah{e pmcrssiag rice The tale iA aNad en the appiitlsblrprocesstngdale mnydiltarlrvm tits reu on the detnyou usedyaar card or actotrt~•1?Nr reterva rho npht to charge you an eddltional three potent pX) of the made in U.S. dollars orywrs mndr~ial other wire ~~ind cconverted to ll.5. da~llaaaby p wldadlantbylhalontityoThosamaproca~ndcheryssmeyepplyuanyiolemationsl transar6on is tewrsad GatusnltaArrlborir,7ra~~e~011~^rnfe f ^s®notraquired la, dacfinasvensection on your accovrd for any 0 • 6acavse rl opere3onsl considantions, • because your aecormt Is In dalauk, • it ova suspect irutsduionl or unlawful activity vr, • in :rr jt•:rtrioa !S e,:y other reason. We are tmt rasponsil,fa for any losses 11 a VansatUon vn your account Is ducGned for any reason, itthar by us yr a third parry. avan p you have sufficient credit avalable. For online trznsecliona, we may squire that you register your account with an authoritetloa system Uut we select Wa twnll notify you if ova went you to register N you domelrspider,wa maydecGno yom onGea trsnsacGonz tlalusal tri Pey CberJrt. Eeth cheek you write it Your request for lands. When we recerva - - a chick !or payment. vvr may revirw yonr account la de tide whether to arnhvrra that chalk We mai;bul are not required m. rejstt and reture unpaid a chock inr any reason, Includrnp the [oGawing axrmplar. • Wr or ono oivnt related companiec is the pryse on the check. • Yav! srudr[Grw orcash edwnee portion oiyour cradillmo has bean vxceadad, awonld 6r erceededr~ta>o paid drr rhack . - • The ehatkisposl-dated Ii a peal-dated thaekac paid, rosuhinq in anotitor chectbeing rvwraed of trotppaid, we are not respvnaibb• •': ~.,-, ,. -. - Yov hove used ilrv Brack abet IM dote speci6ad on it ~ _ ,•,Yoa are in dvlauR of would be Ii ova paid the cheek • foot otStolae Cards, Chaska m A~taanl Nvmbetsti If any card, chect, account ntmber + :v, or other meert m recess jtrwr eecoanl is lost a olden, or you think someone Hood a ' may usr then tvilbou you Paraasaon, yev must notify vs at onto by telGnp the Cardmombar 5arvice telaphorn number sttovm oa your card or bdGng statamerrt Do not use your ecrmrtx ahrryou notr7y rs, avan N your card, cheek, eceount number at other means t° recess your cccountts found or returned Wa may terrntneta or respond your credit privr'lapes Whrn You Healy rn of any tors. shah or unruthwrtad use related to your a tCaant ~~, ~ r Ynu moy (>P'nrMa dthnrn (s unenrt,nroed lea of ;3:•r ac.. ' 1 ~t'n w•~h'a y::r R::h_ na bansld, bmyou wGl trot be Gable (or more than SSD.DD of cuch v:nsotGorrs, and you wpl nut ba GeW for any sroch vansattbns made after you Harpy vs of the foss, shah or unauthorized trsa.ifowavar, yvv meal identl}y for us the unoulhorited eherye: (ranwhlch you received rw benrGL Wr may regtiua pov to provide us inlormeGon in writing to help us find out what happone d. Wo may also require yon to comply yiatr cena}n pmtedurea in conheeilon with our inyosGpativn• PAYMENTS Payment Insiruetians: Your billing slelemant end aceomperrryryrnp envrlvpn ioclude instructions you most lopow (m mnkirtp paymens end sets lotth the data and rime by which we must rocrhe the peymerrt You rgree la ppay us omwnts you owe in U S dollars drown on funds vn deposit In a U S, Gnrntlal hrsilluhon or the U 5. branch o1 a lotoign Gnancinl institution using s payment chaekmone ordaroraulomstfedebitthetwplbeproeessadorhonorrdbyyonrlinenda hrsdWGon ~ m 5 do a char we racervsi you pooymont. I evaGeble credd may Hat bt restored irsr vp ys ArN peymem chock or other lo•,p •d nn ~:aenl which yc:•:end fo us I:.• bu then th! Iul ~naner rest is marked fetid in hrlT or with a similar ovtouon or that t:v otherwise tondo, in lug saJslaeiloo of a drspraad amount lcondrdonrt payments), must ba sent to us at wr conditional payments eddrcss Gated on your monthly statement We rosrrva aG om right• regarding such pnymaals Pot azemple, ii h is determined !hero is no vagd dispWa or f any cuch peymvatrs roeelved el arty other address we may eteept the payment and yor wGl stGl owe any temrnininp balance Wr moy ref'usv to ettept eery such payment b reWminp h to you, Hat cashing it or by deruoyrng h AG other payments thnl you mak should be sent to 1ho regular peyrnenl addrcrc shown on your monthly stalemaets We rasem the right to afatvonkally repeat your elipi6la payment chests, rl fir: prosvnunrntsnd any represantment hem the be nk eceount on which the eheekis dratvr Der roeeipt of Your payment checks is yourauthorlration for us to eoGret the amount r EXHIBIT Z the check oloevonicafly, ob it oseded, by a drab drown against the bank account Peymont chockc wql be eofloctad eleeuadceflY bysending the cheek tmuum along with rho chick roudnp and eccourrt~ nceNra urn ba vn[aTha o pirtsl p ym nl hodebhedesoarlyasihesemedry Yo P°Yn! chock wUi by dasuoyod and an !mega wlUhe mainternvd m our records JJi inlmum PeymvnL• You agree W pry vl leas! the minimrsn paymwd dun, es shown on your bUlinp statamsn~ so that wv racc'rve $ by the deu and tuns payment is dun You may pay more than Iha minbrwm Peymont due and may pay rho lud rmbum you owe us at troy time. II yon how t balenca thot h subjatl ra finance chrrpas, the sooner you pay us, the leseyouwip Pay in finenea therpes breauss fmoncv charges accrue on yourbatance each day Your billing statement shown your brplnninp babnca and your ending bolence idta 'Naw Balance on your biflhtg s[etamertt) U the Naw Balsnee is SiD DD or lass, your minimum Peymont due wig ba the Now 9atanee. Dthstwlte, it wr7 ba Una longest of the loflowing:5101~24a. of the Maw Balenee• arthv sum of 1'K of the Naw Balenca, rata! bfllvd pedodit rata tom duecweilso odd anp amaurdapast due a d enylamotm pert of the minimrun paym waryour uadttl{na Peymont ARocadorc You egret drat we are auUuirhod to afloeele your pnymants and cradtls In r wryy Ihet b most isvoreWo to or convenient for us. For oxarrpla, you eu[horito us to appiyyow piymvntt end credits to balnncec with bwer APAs ltuch as promotional APBs) batwo balances with higher APRs Credit Batrstsr You mry rveursl a reland of a eradp balonce et any Ume We may reduce the rmaunl of ony credd balance bythe amount of now cherpre xlees biped to yoursceounl Automatic Cbarprs: You may authorire a third party to eutomadcally ehrrga your e ccaunt for repeat yrontocdons (Ian example, monthly uUgty eharprs, mnmbtrshfps and insurance ptamiutnsl If eu[ometit charges ua swpprd for srrynason (btciudmp because your ^ccounl is classd or tnspon'ndtltohdlryerenri on) or~ s ~~ es numhatrhangor,yonsrarotponsibinioremtUy 9 PaYi!W g y~ ~w ueamrrunumbor charges IhriY~ a~erhed Wabe bifl dw yua old acelavnl number. Promodotts•. From Umn to Ume wa may offer special farms for yyour account U wo do, we vu111 noUly you about rho terms of the often end how loop thaywfl! br la aNecl Any pmiewUno is'sob~tl to~lho-lnrrnz;'ol thk ngfEcmgrrt ;as modihod by ihn promadono{oHac FtNAMCE CHAR6fS ^aily Periodic Raus and Aoouall'ertsMope !ferns: Yakfnnuuetpetpontrgerates -'APRs"1 and the eortar:pond'mg dally periodic nits rote Gstod on tht Rotas end Feas Table that is et the on of-this document or provided tapsntely To get tlw daily podadiE: rote wo dhddr Iha APR.by365, and rn etfatl always found up at ihn fdih plrcr Co the rlpht ottlri dedhaet point - - . _ VadaSlo~1t1t1arQ rR,o<"~'A.~lilatappiYlapnarltgbUnkmayVtrywilhCifangaf to chi PtBnr Rau W~n•Yoa ~ie've en APA iitN Varlet wdii ahangas to tht fiima _ Rata, we ericufeu Uta APR by addmg a mergia a thr Prima Rota pubRsbrd in Jhe We~$tCvatJauwallwo.bvsiga5s de s balae thr Gocinp Data eboWn onyaur bUGng statrmen~ Tiir'Pitme RiDr"is Uia h~hsslN 5 j Piieo Belo pubBshrd is lha Money ., Rates ssdion of lha WilfStnatJouma! N iheWaNStnvt Jawnslsups pubflsfiinp the f'nmr Rsu, wn wiflsabet s simflet tefonnn rain and intarm you on your bflMg staument of through a sepentr noUu A'mergia is Ihr prresntepe wr add to the Prime Rata to r.sicu)ats the APR A 'butinrss d:y' (s annyy day that is net a wenkaed or (odnrel haGdey. fin Rates and Fees Tobin sheevr which rates, i1 and nn variable rotes h also flats thr merpin for each varhble rota end nny mMlmwn dopy pariodie rote and corresponding APR Two business drys betcn liu Gosutg Dau shatva an your odfetg cuument wr •rr whet the Prima Rrte h. Wr Utva rdd the appgeeble marpre 1a the Prime Reto to pot the APR. Thr defly prdodt nu is esleu4lad as dntctrbstl ebavo I! our eslcuiadon resultsin a clrenpe Ir a daffy prriotFie rota tromthe prrviaus bflfing eyrie becsura the Prbne Rata het charged, tba now nett vnfl apply roc of the first dogp of Your billity cycN Utrt ends in the colander made to which wr mode the eeleuf adoh U the daffy pedodre rate inereesas,you wiM hors to goy a higher periadie finaacr cherpa and mry horn u pay ^ higher minimum pryman:. or any otbea egtaosmont Yau ban rich oaten any of ourtlrelet d tompentet-fa any ai the bMwinp mesons: • We do oat receive, for arty peymaM that Is owed on this eccoum a any other eteaunt or loan with us. rot lard Ihr minimum peymrm dna by the data snd time dos. You exceed your crrdil flrn vn Chit etcount ur honk You mrb a paymrrrt Io us that is not honorrd by yo • Totharxterrtagowrdbylew,N,alerryUmrafferyouraecourtttselosed,wedamend immndtsty payprant of your ovtslandinp bnlante and wt do not ncehro Peymont vrthb: i,'fs Ume wr sprtpy I t any o! those events occurs, tea mry increase the APRs Mdadin9 errypromodonel APRs on efl bvlenses {exeladmg averdroR edveacesl up to a mexrmtrm of Ihr default rote cteled in the Rotes end Faes Talrla Wo mry consider the IoBorvinp fretms to detvrminr your dvtauh rate: dtn length o! limn your account has bean open, the oxiat¢nce,sarioumerr trod tbn{np olthe delaufls onyour account: vihar indtadons of your eceoum usepe trod padarmaaco; irdormrGon about your arbor roirUonaMps with us or any of our raletad companies; and inlormadon we vbinin Irom ransomer credit repPorts ablainad from credlr bmerus The default rate Will la ;a oU urchese thefirstdeyollhabDUngcyeleinwhichthedeleuhaccurs,bndtailappy P balances tram the previous bilfinq cyds for which periodic finenea charges hove notbvenetrradybiflsd' ' t! we deeidn not ti Intraete your APR even though Nero is a dsleull w ii we do root incraaca your APA up to the maxltmrm deteug rota stated M the Aalos trod Fnvs Table, we raserv~ ow right to inueesa yew APR In the overtl of any future datnult Wa may ie our daerrtion determine to charge reduced dateuk rotas or roinststo steadsrd toter for afl of tattered bslences on your ^eeouol l"iaeau Charge telcaletioa-Two-Cyc{sAvorago Dsgy Balance Method ilocludiop Now Purebtrasf iorPurchrsas cad Avenge Daily Bslonee Mstbod (laeludlrtp New Tranteellapsj for Dihar TnastaUoos; Wo celeulate periodln finnnee charges svpantely for rkeh befence escoefetad with r ddiennl category o(tronsocUons (tar eruurt~e, prrrchaco;~ bolaeta uenslers, baleaer rrans[er chocks, cash edveners, cash edvaaer ehvtkt, ovnrdreff edvatreas, end each prornrUonj. Thnst eelculoUons nrey eombior dflleranl enteparies with the same dolly pv»odle rates ihls Is how It war-r. Wa ed~uleu the padorf{e Gasnie therpes fm purchecos In lwr slept, es lotlmvs: • Frrt, for etch day of the 6flflng eyrie, wt muMiply the doily betonee by the daily prrhxlic rate . • 5ocond, tar each dgy~tit the pnvivas bllflnp cl~cb wa mtddply Ihr daily belena for purehasee medo:4glhal biRnp eydn by Utr some dally periodic nta~ However, we do not do Udt sd~ond sup it wa nerived prymant in lu110l tiu Naw Befoner onyonrpraridrshUGn)tslatomeM brlhe doW urd time lho rninlmumpoymant woe due w It t padodis liaYnca sharga wns elroedy bfiad on that bsisnta We eeleulMe the periarGe fmanea charger lot ptuchervs subject to a promodonal rota tiu sent way, but we ear thr promotional rsu We seitulats ppssdodls Rnancr charges Ion bafaner uanders, balance uansier check; cashadreness, cosh edvenw cheek; and overdnh edvaneet,bymuldpfying iha daily btlencr for rich rt ihasr crlapotirs try drr drDy periodic refs for each of those ulrpo4es, eachdey You moyluve ovrudrak advances ooiyit youhava tinted this aeevuat to a chrekinp reconnl with one of our raletad honks. a esleulato the pntiedic fmann ehenJtc lot boloncr uonstors, balance uensfar chocks, rash edvegeee, and eeth advonee checks subject u a Dromodonol tale iha sorno woy, but wi uca the promadonsl rate To pal the defly bdenta !or oeeh day for oath category. • Wo take the 6epinnlnp belente for that day. • We. odd to thrt befahee erry`new vnnsaulonr, tens, other charges, and debit adprstments that apply to the}} rotogory. Wradd afiow Pnrchasa, cosh advnoca, - _,,, ,..:... _ belartea vsnster or mrirdraff'edvsnev, i(rpppcabta, to the daffy balance es of the utasanion data, or a later deco a! our choler. We odd a new cosh edvanca cheek or bebnce transfer check to chi deny bolsncv es of Una dale the oeeh advance " chock of betrnee iredstor check is dvposUad by s peyas, or o later dole of our chvise • Wo suhtrtitst hem that bolenco any ptymants, uodits, or credit edjustmonts that appiyta that categQory end Ihel ate credttad as of thot day. - ' . „! JD'atrA51;~ credit 6efana ac a balance of taro ` ~ _ 7o put Ih1 bapimrinp balebca far each category for 1M next day, we add Uta,dHly.•-__: r"'- ' ~` periodic finence chrrpr to the dopy belsnea Ii mono then ont daily panodie rote - coald ,p -ss a cetagory bttousv_the me lot Ute category mry vary based an the amoutd f NS evvnpv dopy bofencas~~r+ilt.use thndali><puriad'w nu that oppfres _._ ,_, _ ., - tordte evorepr daffy beirttse emvuM at thr end vl the bflGng cyc4 to colculeu the defly pvdodk Ilaaaee -charge etch day This eprvament provides for defly compound'mp of finents sharpvs - To 44el Iha tote! prtiodk Rnenes charge for rho bflpnp recto, we odd ail of Iha daffy perivdre fmrnea charges for oeeh eetrgory for each dry during that bflfinp tyelr, plus flu deflypariodic ilnencv shsrpes on putthasvs, it arty apply, for the prvvfous bflhg eycl- owrvrr. it any psrlvdle iManee charpv is duo, two viA charge you ~t least thr tninlattna porivdie Rnenca charpv staled In the Rotas end Foas Table II !t is rreeessrry u odd an eddidanrl amount to roach the minimum finencv chorea, we add that rmwttt to U-e brlaner Ivrpurehrses made dur{np the biiflnp cycle ' Tha total daenee therpa oa your account tar a bUUap recto will bo Iha sum of rho pvriodk fmsner ehergoe glue rtry urernedon rev fnenev eherpvs. Foneeh ertopnywe eolt:siete en wetape drflybnlsnee (hrttndbrp nowuansouions) tat the bBlitp cycle by eddmp afl your daffy bahneas end rile! p Ihet emovnt by the number of days in the 616np ryda I! a periodic finenco eherpa for purchesas rarda duri@p rho prrviout brginp rycb eppRrs, thr wrnpe drflybabnca forthose purchrses h erleuloud the soma woy 1 you mrddply the avorega dopy bslsnn for s trtsgorybytheleetepay'c deUypsriodie tau, and muldplytho racukby the mrmbsr of days la thr bflfnrp cyeh, the Iotrd wiN egoel thr Porto re Dnenee ebrrget to that 6elanee ettribtrubla tvthatbpllnp cycle, except for rrdrrwvadeUons due to rou~np Grate Padodand Aeeraa) al Rarnca CbsrpoeNh rtcruv parkdre fiamu eherpes on t transrcdo0.ler, or Bnaneo ehergr 1-om the dnu k h eddrdu yourdsfly balance undl paymomin tuff u rrerivrd on your veesunt Hovrvvrr, ws da notchrrge periodle fmonce cberpes on nswpwchasss blued during a bi6rq trycla it wr rrcahn prymant yet:: Naw Balance by the dale and ihne rurtr minimtrm peymrnt is due and wr reulv-d prymant of ywr Naw Brlsnea on your Prrvbus bilUflinp stetomont by rho dau rod Ume your prymant was due. TMs oxcepuon or'prece period" rppges only to purchews and dock not app~to belener translvrc, belonee tronslor chocks, cosh edtnneas, cash advaner rhos s or rwordreh sdvaneos, fl eppdcablt Tnarrliro Fvas for Css6 A'dvantos: Wr may charge you v crab odvrnce lee in the emvunltlelod in lhi Rates and Faes Teb1e (or eueh of the lofltrvvinp uancacuons: • rash advence;ehbekr, • cosh rdvencas a9 ; Ct.~~ t2br 'eyr :. of in adddi°n, it you use n third party sarvicr to meta a payment on yaw bohrlt end rho sorvrta chrrp°s the peymaN Ie thk arsouN wa map dwrpa a trapsacdoa Ira tar rha paymaat Thrst IrensecGon lees rte Orunes charges VJa sdd the to b rha halsace for rha telalyd for a caih rdvaneo would b~ ddrd to your r ash~dvnnee bafante~a, r tnnteetian lea thernmonnl latedtia rha Aetos °rnd Fees Table loroath of he IoNowi g t nsaetlcns: ro • balance transfer theckr, • balanea lranslerc. Thera transattlon boo aro finance chnrgas. Wa add the be to Gra balenco for tiro refetod fee inr a balance vaaslsrcwould be rr adoa oayoar balance vansfar ba~ nca lronsattion O'filEA FEfS AND CHARGES We may cherpp rha IoDowinp Isos The amounts of those leas era Tisled in the Ralat and Fees Tablr These [eeswitlbe added to the bolenco forpurehoses made daring the billmp cycle. Annum Mamb°rchip Fax tl your account has an ennuol membotahip Ise, k wNl be bUied ooth yasr or in monthly Iaslelfine a ;l ne eeted inht~bnteb~ddThe nraraual manrborship not you use yoW acearnL and Yo g PW tea rs non{etundebla udess you notify us Usst you wkh to close pour eccovrd within?o charyad errd e[ih~sama tykna, Y~P YY~ ooutsle d i9 bale eo is lug Your payment of the annual membershipp lea does not afisct out tjpht tD close your recount ar fimh yew right to make trrnractions on yarn eteouat 11 yew accaurd is closed 6y you or us, we witl continue to Charge the ennnpl mambarshipp be unuT yvv peyyewoutstandtnp batener in lull and latminata your eceount refstbrrship Late Fox It wa do not raeefva al toast the roquhed minimum payment by Iha data snd tame it is due os shown °n yew bRlfnp statomanl for any biltlng t;ytle, wa may charge the iota tea shown in the Rates utd Feet Tabta II the late [ao k broad on a ba[ance, wa cutr.data dru la W ten using the Previous Belenn at the cwram monlh'a sbtrmont that shows the fats (eo Thic ba{once k the soma as the New Balanea shown oa the prior monDr-s riatemsnt lorwhich we did not receive atloest the requred mfihnum payment by rha data and 11mr h was duo pva~Draf(~on~•Yotu account balance is ovoryour cradle lfna.at any lima durlrrg a bNGng °~iac^ily~urbnbpeyaisweritreerer d~lineboesus o1~1'meneechatganyrioeaw~olmpoced or a transectipn vn autharfted Wa-vvfl eat th>tryy morn than one rrvrrtlmh be far any . bitllrtp ~ycla. But w. may chorgo an ovadnrdl lea is subsegnont biltlnp cyslos; Dean fl no - . ntrw uap;netions ere roads on your sernunl, it yew eceouM baianca cirTt k over yew credo Cmti ~ef air rims during th6 subsrquant bitlinp cycles Reinrn Paytnprti iati:1! {e) your poymtmt chock or simtler Instrtunant knot honored;$i- - an °utpmatic dabs or other eleclrotsid paymam k rewrmd urrpald, or tcj vw muri rewrn - t pd or tgnnoj•ht proeosead. wa may. Charge a . o paymant~h@wrk bprpus ills ao sjpn . ,. .. _ .. - ,,... rolumpoymeMJoe. - Raturn Cbetk Freal (eiwr stop paymaM on a cash odvanw chock rM bdenee translety chaeitol jiout request, a (b} wo raiuse w pay a sosh~dvaeta check w boienge uonster threk, wa may eharga a rotnm cheek lea " ~'~• ••- record ai yorur aeeoum ur A yon ngwst [wooer room eerds ormarry spoelai ssrvi ostitor mtample, ohtaininp lards on m axpp.dhod basisj, vw may ehaga yon tar rheas tarvices Hrrwrrvey wa vvNl trot chsrpr you tar copla~sl bumeyos ertop instosunderepptl~ able dotumatdsthatyoaragwstiarabiNngddrrep yo few. Wo prey therga, a arty services listed above end otnar s srvicos we provide, the leas [rote lima to lima in aNect whop voa otter rha sorvft.. DEFAULT/fsOLLECTrON Wa moy consider you to ba la default it any of those otter-. • Wa do not raceha et laari the minimum omourd dt,a by the date and time duo es shown on year brT6ng riatemam • You ercoad you erodh fine. • You lad to comply wrth rha terms of lhk egnemsnt or orryeorrrme°t with ono d our related companies. • We obtain inlwmetion [hot a eases us to baReve thutyou may o° urrvn'iNng or unoblo to pay yyoour drbls to us w to olharc on lime • You INe for benkrtrplry • You became bscapecholed or in the evertl of you: death. ~ It we eonsfdsr ymrr eeeount to ba in delatdt, wa may dose your eceount without notice snd nquiro you b payyow unpaid baianca immrdatatµWr also may nquko you to pay fntattsst at the tab o1 two pwcatd (2%) r mph ~ the unpaid belong when wa loam yola ectotmt b ba cis w meta bBtltsg cycles Past due, To the asbM panm'ttsd by few, it yon are In dafauk bebauro you Nova letlod to pay us, yea witl pay ow tolleeGan tests', ottwneys' Icon apart tarts. and atl other expenses of enlordep ow dphis under:his wgrermanl CLDS•1NG YOUR ACl,DUNT Yon may elosa your account at ony limo ii yav call ua to base your account wa may require That you eonBrm your ngveri in wrhing Wa may clasp your account et any time a suspend your crodit psivrTapes rl any limo for arty meson wAhovi print notice except as required by apptlcable law. tt ere close your eceourd, ere wiN rwt ba ReWe to you for ady consequences rasullinp Irom closing yew oeeoum or suspending yore e-rdh privNrpar It You w wo elosa yonr occourri, You and orry eudrorizod users mbri Immodietely slop ustnp yew aetrovm snd destroy rN cords, checks w olhermeons to access ywr aeeouN rr refute thorn b us upon request Yoa rnrAl eominue to ba rwponzibk for eharpos to your account. even ii they err made of ptvicessed ahartrour eecrurrtls closed and you v+ro s. i.iJlAi2o: i br required to ppy Iha oulstaadkrp balenco oa your account eccotdinp to Iha farms of this apreamoru. la eddition,to Iha ruaont atlowod by law wa may nqulre you to goy rho otttstandhtp balanta tawadiebly of st any limo char your ettwnl k ebsod AABITAAnox AGREEr,9Eitr BE BESWA.VEDOBYIBINDiN6~AABITAAC TIRBtTRATION AEPLACES'fHE RIGHTTO GD TO CDUB'L YDU WILL NOT BE ABLE 7i] BRtIJG A CLASS ACTION OA DTHER REPiTESENTATitr6 AL"I'IDN IN COURT SUCH AS THAT IN THE FOflM OF A PRIVATE ATTORNEY GENEjWI AL,;TIDIJ, NOA WILL YDU BE ABIE TO BRING ANY CLAIM IN ARBITRATION r,& A CLASS ACTION OR O71iEA RFJ'RESENTATiVE ACTION. YDU WILL NOT BE AB1FT@~ PARTpF ANY LTA55 ACT10N OA DTHER AEPAESENTATiVE ACTION BADUGNT BY I3NE ELSE, DA BE REPRESENTED iN A CLASS ACTION OA DTHER REPASS ACTION.INTHEABSBJLEOFTtttSAABffAATiDNAGREENIEMT,,YDU AND WE MAY 131VJISE FUtVE hAD A RIGHT DR DPPDATUNt7Y•TO BRING CLAIMS IN A COUiiT,BFtO.REAJUA6E0R JIIAY;ANDJDATD PARTICIPATE DR BE REPRESENTED IN A CASE FILED IN COURT BY OTHERS IINI:LUDINi3 CLASS ACTIONS AND DTHER REPRESENTATIVE ACTIONS OTHEfl RIGHTS THAT YOU WOULD HAVE IF YDU WENT TO A CtAIR'G SUCA A5 DISCQVEflY OR THE RIGHT TD APPEAL THE DECISION MAYBE MDRIELIMtTED pCCEPTAS OTH6tW15EPADVIDED BELDW,THOSERIGHTS AREWANED Hiadiap Arbitration, This Afbhro6on Agrarmem is made pursuanlto s Vensoc-ion imotvirng interriab commgrte, snd shag be pararead by end bo rniorcaebla render Iha Fednrel Atbivetiop Aclirhe'FAA'1,9 US C.51-ie as hmsy ba smaadrd Thk Arbivelion Apraemant cats forth rha drewnriances end procadnras undarwhick ctsims (es defined belowi ma y bo resolved 6ynrbltrrtion lncteo of befog fnipabd in court PeHlas Cwsred.Forllra Purpocos of thkArblltetion Aproamont.'we ;'us ; nnd'our afro inchrdas ow peran6 substdrenac, a ffiates, Natuu:f a!, prederwrsarr, suttessors, acslgns, airy putchasar atyaa ActourA, snd etlof thek officers, duattorc, rmpployses, agents, and assipnc o<any and aD of lhaat AddAionally,'we ;'us and'ouf sheN lncitrde any tirird party providing benefits, 5arvltas, or products in tonnettbn whh the Aeeaunl (meludfnp but not Dmhed to [rode bUroaus, tnarthems [hot accept any credhdmrico Issued under •rha Account, rewards proprems and anroNmsnt rorvfra:, credit insurance cotrpcnies, debltotledara, sad egol thokoffitots, dkadors, Deng-ayors, agents and represontadvor) il, and ordyit, sash a tkYd party ie nomod by you as a w-defendant in any pabn you assn rt egalnri us Cleime Cwotnd_ Either you or wa may, vahtwut the other's consent, slot[ mandatory, bindmp arbivotioa of any clnlm, dlsputa or tonvovorsy by either yon or us agates[ the olho~,'ofeprfitttha amployaos, parents, subsidial~pt~Al ores, banaDcionas ayontt or_ assigns of the olhoG arlsinp Iron or relating in•eny way to rho Cardrrromber ApnornenC enyptforCardmombarAgrvomer4,yvwuodncardAccountartirasdwrtisinp,s bcadon or-rpprova(otyaur Aaeaunl ('Ckim'1.73tk Aibitration Aproatneat puvo[tts ail Cfafrgt. _ ... whether sorb Claims era based on taw statute, eonuact, raqulation, ordioanca, tort, eammon taw cotrslbutiatnl provision, ar arty legal Theory ai leer such es raspondaat superiaGar.atryolherlegal of oquifeMe grmardend wkothNsu~h Claims seek:s nmadias pteney daatrges, paneltiac, itrjtrnctiop:,w dochrewry grpgtriubb rstle(. patens cubjact. m this ArbNrationApnnmantratluda Claims ragarrGnp rha oppAeobiGry of ihfs Arbhretion ~a}frryaB~lyoGt(N.oa~r~iEdmogrbs A~r~m ntorerrypriort:erdmorr1ser Agreement This Ar6itredon Ayraemard 7noludri-IXIXat Emrthcerosa in the prs~~ or`orfzo-' - °" In the present or the [afore As read in Ihit Arbilnlfon Agreement the farm Cialm is to ha~ivsn~l-rbroadastpossrblameplitlrtl• t, - - . , -. Grime cubjod m arbitratiaa lndudo~loims that aro made es tounlardeims, erocs`elokris, Third potty doimc, intmpleoden or othrtvvfsa, sad a party who fnttisbs a precradlnp in wort may aloe[ erbibation whh rasped to any oath Claims edvanted in rha f rwsuit by airy pony orpertier• As nn atccoption.to this AtbitraGon Agroemortt, you rataia rha right m pursue in a small cln'mrc eonrt erry Cbim [halts within ihnt eouri s jurisdreGon end procaedc on nn Mdrvlduel basis U e peRy aleetslo arbftrab a L'laiar, the arb'drationrrdN ba conducted es on irrdrvklual action. Nsibcr yes qoT v» agree to any srbitraRon oa a :tor: r.r ropr sue: tatt:+ basis, and rha arbhrala sheN have no sahodly topraeaod on svoh besie.This means that even tl s class sedan lewsrdl or other rapcasaptatrva aetkrr, sash os Thal is Iha form of a ptivme Downey penrnl action,ls iAad, srry Cieim between us rolabd to the issues shod in such lawsuits tmTl ba subject to en iadhRduai arbivadon claim B Dither you or we ro elect No arbhiation a4iB be consolidored with erry other erbitrolion proceeding vrilhoul the consadral aB pottier Tile only gehns that may be joined in an indrviduel rclion under this ArbiuoGon Agreamant are lei those hroughl by us speinri you end etty eo-appiicant. joint cerdmembpr, or authorized user of your Account or your helm or your [metre in bankruptcy ar I11 those broupM by you end arty to-appAcard, joint cerdmombar, or euthorltad user of your Aeeount, a yew hebs or your trustee kr bankruptcy ogeinri us Initiation of prt&tntioo The Party fiBrrp a Clslm in arbllreUon must choose one of rha fotlovring two arbWetion edmmisltetorc Ameriesa ArbWaJon Aseoeiedarg of National Arbhretioe forufn.Thrsa edministraiorc aro Independent Irom us Tho edmirdsvetor cleat .not eonduel Iha;erbitrelion Arbhrotian it trondudad under rha tutor of Iha caiectod atb'pnGon.ed• strator br an [rrgsoAiai third party chosen in atcordrnce wdh rho tutee al the seloetrbttration odminisVetor end as moy ba provided M thk Arbhretion Agredment ArW arbivetion hearing that you attend shop ba hold at a pfota rhasai by the orbitramr p(rirbhre.aarr admmfatrator whhbt rha iadetal jufidel diM:t In vrhich you reside of rha Gina rho Claim Is Sod, or at some other ploeo to whlth you and wo agree 1n writing Yoo moy obtain copies d the currant rules of each of rho two erbhrotion edminittratars, lntormedon about arbitration end arbitration lees, and insvuctions for initiating arbllnGon by comoctinp the erbivadon administrators es logows: ,Ameriesn Arbltretion Araotiatioa, 335 Madison Avomro, Roor 10, New York, NY too17~6D5, Web-eke: wwwadcorg. eDO•T71.7e79t or Notional Atbitrotioa Forma, P.O. Box 50191, Mlnnoapofis, MN 55405, Web site: wvvw erbhrrtion-(Drum eom, BOW74-2371 Prreednros Dad low appllenble In arbltrallon. A single, nevtrol orbitretor will resolve ClrimsTha erblvstorvvrTl rhhrrbo a irwyrrwilh al looeltan years azprtianco a a retired or former judge The srbilrefiop wip be conducted under the epptlceWe procedure end rules of the erbitra0on sdminisvator that ere is e0ect on the data the arbilrstian k Glad unless rheas procedures and sales an inconsislsnt v+rtfi this ArblrroGoa ApreemsnL in which sass ttds Agrosmenl wU gravel Thuro proceduros end rubs may limit the amount of discovery ava0ebto to yov or us The er6Aremr witl apply appGeeble substentivo law tonsklaW whh the FAA end apptlsebly stetuloc of fimitadaru, and wiD honor alarms al prirAegv recognksd el low You euy choose to here v hearing end bs rspresentad by cotmsel Tho arbitretw will take roazoneblo steps to prntaet customei Aeeenni inlormstfon end other contidoatiai inlormsilon, indudtnp fha use otprW¢live orders to prohibk disdocun ovtsido rho srbitroilon, it requested to do co by you or us. The arbdretor wit haw the power to award to s petty any damages or other relief previdod Irx undo- appficabk bw end !nett not hove the power. m award raGol lo, epsiast or tar the benefit of arty garcon who iz nt+t s pattyto Use procsedrnp II the low aulhwitus rusk roGel, the urbivetar may award punruve damnput or ertornvy lass Tho srbArator witl make erry sward in wriilnp but nood rot provide a tlatamonl of reasons unless raquvatad by s pone Upon a request by you or us, the arbitremt wtll provide a brirl statement of Iho reason! for the evnrd. Costs We w1R reimburse you for the }alder erbivation GGnp foe paid byyov up to the amours o1550O upon roeaipl of proof of paymsnLAddhlonatlw K iltere is s hoadnp, ws wM pay arty laps of the srbhnlor end ubllrodo4 adminislretor for the Drt two days of that hearinp• TGv peymurtt o1 arry such hating tan by ut Hdll ba made direcdy to the erbdnilsp udmirdstratw salaried by v or us ptusnord to thh Arbitrotfon Apreemrnl Atl other fns vviN ba clloseUd in keeping with Tha rotas of the ar6ilreUan administrator end epplkobb ltnv Howon4 tw wry adtnnce or raimbutss GGnp Ions end Whet lava it the arbkroilon udaddslrator or arbitrelor ddertnlnss than k pond reason for requbing us to do so m yov ask to and wo dotornmre than is good reuse (or doing so Faeb petty udtl hoer the expense of rho teas add costs of that party's atrorrtrrys, expens, witnesses, documenlr end other expenses, ropardlsa of whisk party prswpa, for arbitration and nay appear ins permitted balowL except thsl the arbhnlor shaA sppiy any oppGsaWs Isw in datsrmininp whet .ar a petty slrovld recover srry or etl leer end costs Iron :nether petty. EoforramsnL Snality, eppeaic FeRure or any delsy in unloreing grin ArbkroUon Apreamera et any rime, or b connection with enppanleutu Claims, wKl eat consilwlo s waiver of any rigldc to regain erbilralioa el a later ilma or In connocilon with any other L'felms:Any detfsion rendsrodm such ar>dtrslion:practrsd'tng wiN be fmat and binding on lhe~erilec, unless a psny appnk in writing fo ilia afbiuslion orgeitiie6on' within 3Ddsys of kquanee of the sward Ths appeal must request a nw arblueUon haters s -panel o! two"navtrel -etbiitstors: dr<signstrd bY..th~~sarev,orbitretion orpanhelioa Tits peniltvRlnconsldur etl leettnl and legal trues anutwtriAoW the soma talus that spply to s proesodmg vskp s dngb arbitreta4 and. mob docisionc based on the vcta of !hs majority Esch patty taiU bass lhvit own isas, costs and ezperues forarry epp'esL but a psrrYrrraYrecovurnny or aK lass; t~ls sari sxpencss ~ram.aaolbar{rsrq~, iFths raajarity nl tltl ~mal of erbiverors, opplymg e~plicotila ~lew, so dNerminsc •An award In erbitrodon wrti be.~orcvabls es vidsd by tba rrf~Eddff "~~ - - -" - FAA or other sppbesbie low by arty sours havfdg ju coon " .. Sawrsbiptw.pN`v oLJhk Arbibagon Aprvement shatl anrvivs: f} tsrmMeUan or Cheapestnt}ieCtr~smberApraamsnl,3bgs4stounta stivnfNphstwoan you and ec eoneatnittg the Account, such es rho Issuing 'i new et:Eount nurnbsr or the irensian-krp d the bsbnev In tiro Aeeotmt to enothsr secounC f7 the benkrtrptry of ntry petty or epYsbnikr proeesdMtg isilirted by you or on your behoiF, and (lid peymemt of iha debt rn 1uA by yon w bf a Third pony K any goatee of ihk Arbitrrtitm Aproamata h desmod inva0d or unanloreeabla, Tha romelning pentane sfieR newrthabse remain ie torts CHAN6Eb TO THIS AGREEMENT We can ehanps thk agreamoat eL any time, rsgardkas of whether you lava au:ess to your eccottrd, by adding, daleilng, or nrodiipbtp any provision Dur right -o add, delete, ar modify protdsfonr includes Dnenefal terms, such os the APRs end lens, end odtx tamps such ac tbs nature, sxtsrrl, nd anlarcamenl of the rights and obGpaDims you or ws marr how rolstktg to this ugreamenl NtodiGntfons, additions, or delafions are caged'Chanprs' w e'Chango' Wa wB1 nortUy you vi arty CAanpe R ngtdrud byapptiubla low Thrsr Changes may be oHoctive with natke orris et the rims strted in our no6ee, in accordance whh appGesWa low Unbsc ws note otherwke, say Chsngs wA) apply to Ths unpaid belapeaa art your accoura and to saw lrensectiorts Tha notice wRl daseribs arty rights you map hers with rrspeet to any Chengs, red the coniaquances if yon dv or do aW exurdss Ibose rights Pot axemph,lhe noilcs may sub that you may notRy nc In writing by s specified dais it you da nal want m accept tanein Chengas wv ere making 1f yov ntrilly us In tvrlUnp that yov do not aceeptthe Chsrtpsa, your aecovnt maybe elated (R it k not stready closed} and you wip be o6GpMad m payyow outsbnding baivrtce under Tha eppliwide terms of Ths epresment If you do trot notgy va in wrong by TMs drru rietod'm the noVn.or it yov notify us but then use your ersount abet Ihr dots rioted in Ihr noilee. you will by ,:.rz.,.xr m accept all Cltengsc In 1`•c ncG:a sadto accept and cpnfirm alt Isar.; your apreamsitt end oN Changes In prior notions we have sent you rsgerdlass of whether you have eeeusc ro your eeeounl CAEDR WFORMATIDN Wo may psriadiee0y reviowyour credit hisicryby obtaining inlormailon Isom credit burnous and others Wo mayrepon inlormotion about you and yourasrounl to trod! burovus,including your faRure to pay us an rims. N you rognert eddilional earde on your account for others, we may report a~countfntormativn in pour anew as wall as M rho names of those other oaopie s Ii yen think wa have, rpponed inaccurota Informailon to a credit buraeu, you may wtim to ut of ih',C ettrbgr Sstvica address Rated on yavf bRQnp ststsment. Please include yysttrfi, sddr5sa, account rwmber; lelapfiom numbennd a brut daeui~lloa of ihs protA~gm 11 atiaibWv, please provide a espy of ihs coda bvroau tepee ra questloa We ti+N prornptty invustigato the molter eml, it our iavosUgailon shows the yeti eta r1y'it;, wo vn'p contact oath credit bureev m which wv roponed the irdormailoa and crib aquas! They corn ct the report tl we disagree with you altar our invesGgeilon, wv wip top you fn wriilng or by lelephano w. w;u else noilfy u,e credit bureau ilra[ you daprde the infotmailon unions you let us know that you no foagetdkpub rho Irrfa~matioa MDTICES/CHANGE OF+PERSDNALINFDRMATIDN Wo wit send cords, bilgrig stammspu and other nooses to yov at the address shown in our filar. Dr, i! thk li•a join account, we ran rend blliinp statomants end noilres to vny join! saeouM holder Nails to one ul you vrdl by considered notice to otl of you and a0 of youvrRl somata obGputad on rho account if you thongs yaw name, address, or hemp, cslluhr or business talaphona number or emeR eddruss jil ptw:obd m sec viva blliinp sletaments or otho- notices oNinal, you must nobly us Immsdidaly is wrldnp al the address shown on your billing sleismsM- Wa may, al, our opilon, steep! malting address correciloat from the Un[lad Slates Postal Sarviso•~#+Va may contact you about your account including Iw customer serviea tv nollaclfon, a[ any address or lahphona nombsr ac wall as any ca0ubr tebphods'numberyov provide us. TEtfPF,tDNE MDNtfD9MG ANO RECORDING Wa, and R sppAcsbla, oureganrs, mnyfirtan to end record your blephone arts with us. You eprse thetwa, end it epplieable, our agents, msy do sa, whrlhar you ar t+ro initiate Ihr talaphona cell INFOAMATION SHARWG You authorize us to share sonata inirumelion aboutyau end your aecounlwithin rwr femtly of eompanfas, end with oiltors outside our teouly al eompordar inelnr5ap any compenyororpeniuilonwhosa name armarkmayappnaron rho esrds,ospormlttod by isw, Dur P~ncp PoDcy, vAa:h k pru:idcd i. yov !rhea yov first session on agreamoM ondalkagonco oaek csfandaryesrthereetter,doecdbss nor Inlorrrtsilon shsrmp proeilcae end the cholcec you haw and dbsetions you may give us about ow sharing of inlarmeilon about you end your account with companiar or organfzedons whhln end outside of our lomly of companies !LtlN015 CARDAdENfBEliS Iginak loos provldss firetwv may: Mal sh6reaalortipttion about you wltk companlos " .... _ . or othd orpani¢silons outride of our famKy of compeniar unless yov authorize rho _ dtsebsure or, tinhes the dlstiosure tet{p_under anpthur sxcopilon In rho law isuch ,, ~es sheintg indormation to process your lnnsactisns ar is response b e subpoena). - _ _. _ - You hereby sproa the4 d you choose not to rxsrcisa the eppOeeWa opt out dasctlbad b out Prlvscy Parity, you vrll ba deemed to hrv. asthorizod us to share personal information wa hew about yap Gndnding inlormafro~ related to srry of rho products orsarvitgs you m yhave wAh erry of out eotrgronies) with eompenbs or other -; of nizeGonc dots g al ow tamely of crunpunies " ," ~' We~endelayenforchrpornWonlorrearryattwrriphtaundertfiis•apreemantwithout ~~- ~~ ~ ~ - IosJap out'rlphl to anbrce them in the flrture.Il arty of the terms of this egreamunt ~"' iri kund !o be umnforees6le, all other t6frns wilframein to luA toter - . ,• - ASSIGNMF3dT " Wo mtty assipa your account any amounts you owe us, or any of our rights and abfigeUonc under ilrls agreement m a thud party The prrcon m wham wv make rho asslgnmant vw'B be ttrttitlod to arty of our rigMz that wa assign to that person GOVERNING LAW THETBUdSANDFJ9FDi1CEMENT DFTHISAGREEMENTAND YOURACCOUNTSHALL DE GOVEP,M~RidO 117T~.PAETEC Ui ACGORDP::L'E :YITif ITDERAI. U'Ar ~,I.D, TD I THE EXTENT STATE tAW APPLIES, TFtE lAW DF DELAWARE, WITHOUT REGARD TD CONFLICT-OF•LAIy PRINCIPLES. THE LAW DF DELAWARE, WHERE WE ANO YOUR ACCDUNTARE LOCATED, WILL APPLY NO MATTER WHERE YDU LIVE DR USE THEACCDUNC r. FDRiNFDAAAATIDN'~: Pieasa all the Les 'omboi 5arviro talaphona number on your cord or bUling statsmantilyotlAe qudrilancabautyovrarcountwthisepreoinont YOUR BILLING RIF Koap'fbfa NODCG For.F}rtura Use Thft nalicr, contains iktpattnni information about your rights and our rosponsibphios under the Fak CredK 8dling Art Nobly Us In Cass Df Error Or Questions About Yoar 8111 II you tldnk your bRl Is wrong, or it yyvv nood more htformodort about o uansaclion on yourbiR, wilts trs on a ropsrete sheet ei Ths Cordmombar 5e trice eddres c shrrvm on your 6iRkip statemm~t WtitG.lo us os soon as possRria Ws must hoar Isom yon no bras then W days shat wa rent you the first Gip pn which rho error or problem •ppctr•d 'ivd .an tekphore u:. b!4 Jvlny sc wA' not pr ears ri, your rights In your loner, give vs the IoAowinp Information: • Your nano and eeeoont number • Ths doArr emoaat of the suspoeted error • Doscrlbo tin error and uxplolR it you son, why you believe shore is on error II you nand more informeion, dascrPoa Tha Isom you era not soya about 11 you fiwa auUtarhod us to poy}ronr credit card bRl autamsilee0y Isom your savings or checking aecourrL you ten amp rho payment on orry srnount you think it wrong To amp the Qeyment year lattdr must roach us at }oast throe bvsinats days bolero the autameuc paymera b sehbduled to actor. Your IUghls And Oar AasponsiblGiles Aher Wa Ra tetra Yaur Wtinca Notice °~fiF a nl G QL:..:::: . ~`~ t' i 5 We must acknawiedgr yovrlorier within JD drys,unlosttve Neva corrected the error by then Wnhin 90 drys. wr must oithar correct th- error ar oxptain why we haft-va the bGl r was correct Attar w- receive your Inter, we cannot W to corect arty amount you qurslian, or report you as daGnquant We een condhue Io hip you for the smounl you quasdon, including Gnence charges, end w- sen opply any unpaid -movnt against your erodil Eno Yov de not haw to plry any quottionad amount while we era invostipsdnp, but yon -ra su-N obGpatsd to pay the pane of your Gal Ihet en not in qu-sdon II we fmd that we ma do a mistake on your bPl, youwlGnol have to pay erryGnnnee cherp-s routed fo any questioned amount !I we didn't make a mistake, you may how to pay fmance charges, and you wdl have to makr up any missed payments on the questonod amount In either case, we will send you o stalem-nt of the amount you owe and the date Bretit>r due K you lad to pay the amount that we think you owe, we may report you es daGnquent However, it our explenedon duos not sadsiy you -nd you write to usvdlidn 1D days Islfmg us that you stNl ralust to peg we must taq erryonr wn topon you to Ihat you have a questiaa about your biq And, we must teD you the name of anyone we raponod you to. We mart teM enyene wa r-pon yon to that Uto m-ner has boon aehiad between ua when it Gnalty Et It wr dah'tloiowthsse rules, w- can tcolfacl the tirsl S.SD 00 of (ha questioned amount, oven it your biD was correct. Spacial Pates tar Credit Card Purch-soc II you have a problem with the gnaGty of property or services thol you purehsssd wish e crodrt card, end you have Vied in peed leith to correct the pro6lsm wish the merchant, yvu mry have the right nolta pay iho romelninp amount due on the property w nrvieos. This right does not apply fo chock uanrecdonr Thorr err two Gmitadons on this right te) You mull have mad- the purchr se in your home state or, it not within your home st eto, v+Uhin iD0 mGes of yonr currant meiGnp eddrotr, end {b) The purchase price mutt hove been mare thenS5D.00. i hose Gmitsdonsdo not eppiyii we own or operate the merchant, oriiwe mailedyou th^ advsrdsemenl tar the proparry or servitor - Copyright O2DDBJPMergen Chase & Co AU rights tesorved .. .yy..yy - -,', .. ~' _ fi _ .. v,a-.w .. r . - ~,:.~ . `. 1. i ' ~A t ~V } •~ t ,j i,. i y S Pogo S c:: ti '.r-5~.1~G . 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. n na C' c~ ca ~ .. _ n t ~v ` "'~ F 00 r~ ~ ,. } rn ~ ~~ ~ Wit' ~ ~~ ~ W '~ b C:- .M~ ~ N .~- J t~ -+ -~. ~ v ~ SHERIFF'S RETURN - REGULAR CASE NO: 2007-04614 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CHASE BANK USA NA VS FOLK JAMES N 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 FOLK JAMES N DEFENDANT the at 1422:00 HOURS, on the 13th day of August 2007 at 556 W PENN STREET CARLISLE, PA 17013 JAMES N FOLK 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 ~~a z~o 7 ~- ~/ 3 2. 8 0 Sworn and Subscibed to before me this day of , So Answers?~ R. Thomas Kline 08/14/2007 WELTMAN WEINBER EI By: eputy Sheriff A.D. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. JAMES N FOLK Defendant No. 07-4614-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#06039176 Judgment Amount $ 12385.52 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. JAMES N FOLK Defendant Civil Action No. 07-4614-CIVIL TERM 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 $12385.52 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) JAMES N FOLK 556 W PENN ST CARLISLE,PA 17013 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 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff' vs. JAMES N FOLK Defendant TO THE PROTHONOTARY: Civil Action No. 07-4614-CIVIL TERM PRAECIPE FOR DEFAULT JUDGMENT Kindly enter Judgment against the Defendant, JAMES N FOLK above named, in the default of an Answer, in the amount of $12385.52 computed as follows: Amount claimed in Complaint $12085.52 Interest from date of judgment at the legal interest rate of 6% per annum Attorney's fees $300.00 TOTAL $123 85.52 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. MOL AN, ESQUIRE PA I.D.#47437 weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (41.2) 434-7955 WWR#06039176 Plaintiff's address is: c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7'" Avenue, Pittsburgh, PA 15219 And that the last known address of the Defendant is: 556 W PENN STREET, CARLISLE, PA 17013 s IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff JAMES N FOLK Defendant(s) IMPORTANT NOTICE TO: JAMES N FOLK 556 W PENN ST CARLISLE,PA 17013 Date of Notice: o~)aoio8 WWR#: 06039176 Case # (~~ ~~a1~t --('1Vtil. IE'~-Y"~ 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. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE FOLLOWING OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE, LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 BY : ~fi a-~~ Y ~.~r~ ~bOC~~r--- PATRICK 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 CNIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. JAMES N FOLK Defendant Case no: 07-4614-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, JAMES N FOLK 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, JAMES N FOLK is not in the military service. Further Affiant sayeth naught. AFFIA T SWORN TO AND SUBSCRIBED in my presence this / / day .a ' 1 ~. NOTARY PUB _ _._ r ~~-~ ~, u ~. ~~.~~ _ _~_... .~ H~~.id .!. °:-1i;; iVr.•r~-:; y e~t:G9i:; LI~fJf~ t ih fiil ~rir.:, t err. z ._...~ My Comir,i,~ vri ~~+ ~ vi V "~~ Iv~~ember, Penn„yiy~,iia ~,~,u,.tu;icn of ;~.,u,,:v; 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. bequest 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 08:39:06 '~ Last Name First/Middle Begin Date Active Duty Status Service/Agency FOLK JAMES 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: http://www.defenselink.mil/faq/~is/PC09SLDR.htm1 WARNING: This certificate was provided based on a name and Social Security number (SSN) provided https://www.dmdc.osd.mil/scra/owa/scra.prc_Select 2/18/2008 A '` /ma ~?s t v ~~ -1 6~ `\ U~ w ~ ~~ "(~ J c~, R,~ _~ ~~ t. `:' ~ r1 p^r ; "-1 r;~ i-, r- "~. ',i ~ , , IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. JAMES N FOLK Defendant No. 07-4614-CIVIL TERM PRAECIl'E FOR WRIT OF EXECUTION (BANK ATTACHMENT and LEVI~ MEMBERS FIRST FEDERAL CREDIT UNION, Garnishee, 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 Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#06039176 L IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENN SYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No. 07-4614-CIVIL TERM JAMES N FOLK Defendant MEMBERS FIRST FEDERAL CREDIT UNION, IOS W. KCMG si, Sit~PPd/aaiiuQ.G , PA 17dl67 Garnishee PRAECIPE FOR WRIT OF EXECUTION TO THE PROTHONOTARY: S Kindly issue a Writ of Execution in the above matter... o ~'~' ~ . 1. directed to the Sheriff of CUMBERLAND County: * u dl a ~ 2. against JAMES N FOLK, Defendant , 55b W Rsrtn 5F , C,a~rleale ~ AA ~~o~g 3. against MEMBERS FIRST FEDERAL CREDIT UNION, Garnishee 4. Judgment Amount $ 12385.52 Less payments of $ 67.20 Interest $ 401.09 Costs $ SUBTOTAL: $ 12719.41 Costs (to be added by Prothonotary): $ WELTMAN, WEINBERG & REIS CO., L.P.A. By: William olc Esquire PA I.D. #47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 WWR#06039176 ~ _" .3 (~ G ~ ~ Q O -ft- a:4• ~ --~-~ 4, = r~rt Fc~s 1~~7ryry ~'} ~ ('~ ,~ J Vv ~ ~ ~ ~ '` s ~^' cn ~ ~ WRIT OF EXECUTION andlor ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 07-0614 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due CHASE BANK USA N. A. , Plaintiff (s) From JAMES N. FOLK, 556 W. Penn Street, Carlisle, PA 17013 (1) You are duected to levy upon the property of the defendant (s)and to sell all and any of the defendant's personal property at given address . (2} You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: MEMBERS FIRST FEDERAL CREDIT UNION, 105 W. King Street, Shippensburg, PA 17257 and to notify the garnishee(s) that: (a) an attachment has been issued; (b} the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $12,318.32 Interest - $401.09 Atty's Comm Atty Paid $152.30 L.L. $.50 Due Prothy $2.00 Other Costs Plaintiff Paid Date: 9/24/08 R. Long, Prothonotary (Seal) ay: REQUESTING PARTY: Name WILLIAM T. MOLCZAN, ESQUIRE Address: WELTMAN, WEINBERG & REIS CO., LPA 1400 KOPPERS BUILDING 436 SEVENTH AVENUE PITTSBURGH, PA 15219 Attorney for: PLAINTIFF Telephone: 412-434-7955 Supreme Court ID No. 47437 Deputy 1 ~ ~~'~.~~~I~G SEP 2 91008 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. JAMES N FOLK Defendant and No. 07-4614-CIVIL TERM INTERROGATORIES IN ATTACHMENT MEMBERS FIItST FEDERAL CREDIT UNION MEMBERS FIRST FEDERAL CREDIT UNION Garnishee 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 Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#06039176 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No.: 07-4614-CIVIL TERM JAMES N FOLK Defendant and MEMBERS FIRST FEDERAL CREDIT UNION Garnishee TO: MEMBERS FIRST FEDERAL CREDIT UNION Suggested Reference No.: XXX-XX-0422 105 W KING STREET SHIPPENSBURG, PA 17257 RE: JAMES N FOLK 556 W PENN STREET CARLISLE, PA 17013 IMPORTANT NOTICES TO GARNISHEE! A. You are required to file answers to the following interrogatories within twenty (20) days after service upon you. Failure to do so may result in Judgment against you. B. Herein, the word "defendant" means any one or more of the defendants against whom the writ of Execution is issued. C. While service of Writ upon the Garnishee attaches all property of the Defendant subject to attachment which is then in the hands of the garnishee, it also attaches all property of the defendant which comes into the Garnishee's possession thereafter, until Judgment is entered against the Garnishee. For example, the resultant liability of a Garnishee-Bank would not be measured by the balance in the debtor's account, either at the time of service of the Writ or at the time of Judgment against the Garnishee, but rather by the amounts deposited and withdrawn during the intervening period. INTERROGATORIES IN ATTACHMENT 1. At the time you were served or at any subsequent time did you owe the defendant any money or were you liable to him on any negotiable or other written instrument, or did he claim that you owed him any money or were liable to him for any reason? ~ /~ 1 a. If the answer to Interrogatory 1 is in the affirmative, state the following: the amount of money you owe or owed to defendant, and, if such money is in the form of a fund, the present location thereof; the terms, face amount and amount you owe or owed to defendant on each of such negotiable or other written instruments and the present location of each of such instruments; the amount or amounts that defendant claims or claimed that you owe or owed to him; and the nature and amount of each of such liabilities. n ~c~- 2. At the time you were served or at any subsequent time was there in your possession, custody or control of yourself and one or more other persons any property of any nature owned solely or in part by the defendant. 3. At the time you were served or at any subsequent time did you hold legal title to any property of any nature owned solely or part by the defendant or in which defendant held or claimed any interest? ~~ 4. At the time you were served or at any subsequent time did you hold as fiduciary any property in which the defendant had an interest? 5. At any time before or after you were served, did the defendant transfer or deliver any property to you or to any person or place pursuant to your directions or consent and if so what was the consideration thereof? ~~ 6. At any time after you were served did you pay, transfer, or deliver any money or property to the defendant or to any person or place pursuant to his direction or otherwise discharge any claim of the defendant against you? ~O 7. If you are a bank or other financial institution, at the time you were served or at any subsequent time did the defendant have funds on deposit in an account in which funds are deposited electronically on a recurring basis and which are identified as being funds that upon deposit are exempt from execution, levy or attachment under Pennsylvania or federal law? If so, Identify each account and state the reason for the exemption, the amount being withheld under each exemption and the entity electronically depositing those funds on a recurring basis. p D 8. If you are a bank or other financial institution, at the time you were served or at any subsequent time did the defendant have funds on deposit in an account in which the funds on deposit, not including any otherwise exempt funds, did not exceed the amount of the general monetary exemption under 42 Pa.C.S. § 8123? If so, identify each account. 3a3~3 Ravi nr~S ~ (~ ~0~ ~1ity ~ ~a I ~p lacs '~-- ~~~ .~ ~ 6~~~ WELTMAN, WEINBERG & REIS CO., L.P.A. By: ~ ~ William T`. Molcz~y ,(Esquire PA I.D. #47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#06039176 VERIFICATION The undersigned does hereby verify subject to the penalties of 18~/PA. C.S. 4904 relating to unsworn falsifications to authorities, that he/she is~~ ~ 16 (~ (n~ (Name) l~" l~ of ~~~5 ~ST ~~ ~ garnishee herein, Title) (Company) that he/she is duly authorized to make this verification, and that the facts set forth in the foregoing Answers to Interrogatories are true and correct to the best of his/her knowledge, information and belief. ~- (SI N RE) ~? c ~"~ C::~ -~r3 c --~ .~w `~ _ ~ ~- ~ ~ .Y ; ~: .~_._ .~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff No. 07-4614 CIVIL TERM vs. PRAECIPE TO SETTLE, DISCONTINUE & END AS TO THE GARNISHEE MEMBERS FIRST FEDERAL CREDIT i,TNION ONLY JAMES N FOLK Defendant MEMBERS FIRST FEDERAL CREDIT UNION Garnishee FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt PA I.D #42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#06039176 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. JAMES N FOLK Defendant 'MEMBERS FIRST FEDERAL CREDIT UNION Garnishee Civil Action No. 07-461.4 CIVIL TERM PItAECIPE TO SETTLE D~.SCONTINUE AND END AS TO THE GARNISHEE .MEMBERS FIRST FEDERAL CREDIT I7NION. ONLY TO THE PROTHONOTARY OF COUN'T1i: Please kindly Settle Discontinue and End the above captioned matter as to Garnishee, MEMBERS FIRST FEDERAL CREDIT UNION, only, upon the records of the Court and mark the cost paid. WELTMAN, WEINBERG & REIS CO., L.P.A. By: James C. W brodt PA I.D #42 2 WELTM EINBE 1400 Ko er Building 436 Sev n Avenue Pittsb A 15219 (412) 3 -7955 WWR#06039176 Sworn to and subscri~~ Before me the ~_ Day of October 200!, & REIS CO., L.P.A. COBfsMf3~9'JVE~.?, i I 1 `~F PtNN~YLVAN9A ~c'~:~.'~I Seal Wayne A. Jor;e~~, t~lotary Public City Of P'ottsbur~i s, AI!egheny County My Comrr!ss~ :;; ~;c ;i"~:~v!ur;e 29, 2010 Member, Fen i.~ ~ acE ~o.; oY "Saaries ARY n~ ~~ R~ ~ s~ ~d a o "` ~ D ~ C N ~ o ~~~~ ~ ~ ~ y ~ ~ c..' {.... ~ s "rt ::y ~~~ '` ~ ; ~= x r.. s^~ Ml R. Thomas Kline, Sheriff, who being duly sworn according to law, states this writ is returned STAYED, WRIT IS EXPIItED. Sheriff s Costs: Advance Costs: 300.00 Sheriff's Costs: 106.59 Docketing 18.00 193.41 Poundage 2.09 Law Library .50 Prothonotary 2.00 Refunded to attorney OS-20-09 Mileage 15.00 Surcharge 40.00 Garnishee 9.00 Levy 20.00 Postage TOTAL 106.59 / ~~~ p~b 9 ~,.-.. So Answers; R. omas Kline, Shea By r ., a ~--~ . __ ~.,~ J u ~~ Sv G ~ ~,.~', n Q ~~ :=: - , :.~' ~i 7 ~ _ ~ ~~ N ' ~ ' ~ ( 1 1:_-~ .~) ' ~~ 'r$ -'C ~~-7 - u ~.,, ~ :r ~~3 `P c v s r WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 07-0614 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due CHASE BANK USA N. A. , Plaintiff (s) From JAMES N. FOLK, 556 W. Penn Street, Carlisle, PA 17013 (1) You are directed to levy upon the property of the defendant (s)and to sell all and any of the defendant's personal property at given address . (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: MEMBERS FIRST FEDERAL CREDIT UNION, 105 W. King Street, 5hippensburg, PA 17257 and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $12,318.32 Interest - $401.09 Atty's Comm Atty Paid $152.30 Plaintiff Paid Date: 9/24!08 L.L. $.50 Due Frothy $2.00 Other Costs (Seal) REQUESTING PARTY: Name WILLIAM T'. MOLCZAN, ESQUIRE Address: WELTMAN, WEINBERG & REIS CO., LPA 14011 KOPPERS BUILDING 436 SEVENTH AVENUE PITTSBURGH, PA 15219 Attorney for: PLAINTIFF Telephone: 412-434-7955 Supreme Court ID No. 47437 Deputy r ~ ~ 4. f~ THE °r~.i? i ~ s~^~"7~'ARY Zflffl ~lQY ! 2 P~ 2= ~7 ! {{ l~ _t ~ .ww~lV1 1 FE~~~~~Yl1.~h~1~. TN "TILL CC)UI~~I' C)f~ C'C)IvIMt)T~z PLEAS OF C'UMI3EItLANU C',C)Ulv`'I'Y, NI;sINSY1;VAtilA C;1VIL I)IVISI~N C'I IASI~ I3AN1~ U'.~'t~, T~.1'~. F'l~tintiff vs. JAMI~S N F(~1.K Defendant I~ZID PtNN DANK, Garnishee, O ~y.5o PA -~~ 3a . so CSF lolo.5q ~~ '18.50 (~ • oo ~~ a~.so ~~ 8. op „ ~asa.a9- Po A,--ry :~o. 0~/-4611 +vlVll. °CE',(~i\~1 PIdAEC"11'E 1~'C)It WRI'T' C)F E~CI+:CUTION (k3ANK AT7"Af'I~MENT ONL`-') I~ILI~D (:)N 131IIALF C)I~ Plaintiff CUUNSII.Oh~ It~CC)I~D Ql: THIS E'AftTY: Willirim `I', ~'(olcran, tsquirc PA I.D. #47437 WhLT'MAN, WFINBI3RG & R1;IS CC)., I,.P.A. 1400 Koppers I3uildint; 436 Seventh Avenue Pitisk~ur~h, PA 15? 19 (412)434-7~~s W W R1~06039176 ~ a • oo i~.e-~ C K.~ 4.x'1338( ~;t~ ,, IN '1"HI's Cf)URT OF COMMON PLEAS OF CUMBERLAND COUNTY, PL;NNSYLVANIA CIVIL DIVISION CHASE BANK USA, N,A. Plaintiff vs. Civil Action No. 07-4614 C;1V1L 'I'1:RM JAMES N FOLK Defendant M1 D PENN BANK, Garnishee "I~O "I,HE PRO`1'HONOFI~ARY: ['RAl~,t1IYF, FQR WRI`I' t)N EXI~:C.'U"TIt)N Kindly issue a Writ of Execution in the above matter... 1. directed to the Sheriff of CUMBERLAND Gounty: 2. against JAMES N FOLK, Defendant , 55(~ W • ~°nl1 S,f, ~-~isle~ PA 17ot3 3. against MID 1'EN>~j B~N~C, G~rnish e ytoaa a~ t ~ic~c., ~/lechc~nicgbu~, PA t7o.S.~ 4. Juclgrnent Amount ~ 12385.52 Interest Costs sv13°rc)`rAL,: Costs (to be added by Prothonotary): 1608.42 ~ I39~13.94 S WTLTMAN, ~V1~INBERG & RE1S CO., L.P,A. By: _I/" ` -__1___ __- _________-_ William "T. Molc~a `squire I'A I.D. #147437 WI:LTMAN, WEINBERC~ & ItF:IS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 07-4614 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due CHA5E BANK USA, N.A., Plaintiff (s) From JAMES N. FOLK, 556 W. Penn Street, Carlisle, PA 17013 (]) You are directed to levy upon the property of the defendant (s)and to sell (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: MID PENN BANK, 4622 Carlisle Pike, Mechanicsburg, PA 17055 and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $12,385.52 Interest -- $1,608.42 Atty's Comm Atty Paid $288.89 Plaintiff Paid Date: 5/12/10 L.L. Due Prothy $2.00 Other Costs r <~ 1 J David D. Buell, Prothonotary (Seal) By: Deputy REQUESTING PARTY: Name WILLIAM T. MOLCZAN, ESQUIRE Address: WELTMAN, WEINBERG & REIS CO, LPA 1400 KOPPERS BUILDING 436 SEVENTH AVENUE PITTSBURGH, PA 15219 Attorney for: PLAINTIFF Telephone: 412-434-7955 Supreme Court ID No. 47437 1'~~~ J f11`I `:~~ ~ 1N'I ER1tQGA`I'f}RtI!;~ l~ A`I'`CAt;}t11ZI~;Pti`'t' 1. .'fit the time you were served or at l'a~et~~~~il~ssulttl`I7t t1nlC did Vfitr O~t'C thi' dCI~CItd311t al)y mfiney ar• ~4%Cl'e yOtl Ilabte t0 I)nn On any 1)CgC)tlable OI' OlI)el' writlCl7 Il)sil'url]ent, Oi' did I)C i'.13n'il that you G~~1'Cd 1)11)) any i))t~nCy or were liable to him for any reason (including tiu)ds on deposit ic)r checking or savings accounts and certificates of deposit)? ` yes la. If the answer to Intela°ogatory I is in tt)e aliu-mativc, slate the lol!o~~-ing: the amount of money you owe ar owed to dei-endant, and, ii' such money is in the form of a (land, the present lf~catson ihei•saf; the ienns, lace amount and amount you owe or o«~c,:d to defendait on each of such -negotiable or other written instrun)ents and the present !ucation of each ~f such insti-un)ents; the amour)t i~r amounts that ficic~ndant claims or claimed that you owe or owed to him; and the nature and amount ol~each of such Liabilities. checking account XXX2404 with a balance of $5.42 as of 5/27/10 2. At l!)e dine you were served ar at Tiny stlbscquent tine tiv~;tti there in yf)zn- posss:ssiul), s;ustoft~' or control of yourself and one or more other persons any property ui' any nature own;:d solely f,r in part by tt)e defendant. no 3. At the time yoti weri; scrvead or al any subseyucnt tiinc; did you hold le~~al title to any propcrt.y of any nature owned solely or pail by the defendant nr in which defendant held or claimed any interest? no 4. At the time you were served er at any subsequent tune did you hold a±: iduciar_y any p:•f>perty in which the defendant had ai•- interest? no ~. At any ti-nc before or after you were served, did the deal-cndanl trartsier or deliver anv properly to you or to any person or place pursuant to your ctirectioa)s or consent and if so what was the consideration lhcrcof? no a. :'1t any tin, e. iifter•-you •i~1:1-e se?rvect did you p~iy, transfer, or dc!i~~;;=r an>~ naf~ncy f~I° prtt}aeily to the defendant err to any parson or place> pursuant to his direction or otherwise discharge ary claim o}' the defendant against you`? no 7. If yf)u arc a bank or otter fnaicial institution, at t})c tirr:L you were sirv4fl :~r ai ~xriy ~;fibscgiacnt time did the defendant have funds on deposit ii) ai) account in which funds are deposited electronically on a -recurring basis and which are identified as being funds that upon deposit are exempt from execution, Icvy or attachment under Pcnnsyh'ania or federal taw? if so, Identify eac~{) acco~mt and state the reason for the exemption, the amount being withheld under each exemption and the entity electronically depositing those funds on a recurring basis. "~ no ~. Ifyou ar°e a bank or other Iinancial institution, at the time you were servcci or at any subsccjucnt tune did the defendant have funds cm deposit in an account in which therunds on deposit, not including any otherwise exempt funds, did not exceed the amount of the general monetary exemption under 42 Pa.C.S. § 8123'? if so, identify cacti account. yes, account XXX2404 9. If the answer to Interrogatory 1 is in the affn•mativc, state the daie the sherili~served these interrogatories on this institution. 5/27/10 10. 11•the answer to Inicrr•ogator_y } is in the affirmative, state the date the written instrument, checking or savings account, cerlif !cafe of deposit, or other funds were frozen, restricted, or other~~-ise put on hold by this institution. 5/27/10 ] I. Ij'the response to Interrogatory 7 is in the affirmative, arc other funds comingled in the account which are not deposited electronically on a recurring basis and which are identified as being funds that upon deposit arc exempt from execution, levy or attachment under Pennsylvania or federal law? N/A }2. tithe response to Inten•ogatory 1 1 is in the affirmative, state the amount of'ncm-exempt jiutds on deposit in the account. N/A WI;I,T'M~1N, 1~'~'lI?~'13I:ItG cot. IZIIS CO., I..1'./~. ~_.. ~ - J ~~, Vti'illiarn `I'. Molcz• ssquirc .P~ l.ll. #4743'7 Wl?L"1'MAN, ~INSI:RG & RL'IS CO., I,.P.A. 14001Coppcrs wilding 436 Seventh Avenue Pittsburgh, PA 152 ( 9 (412)434-7965 W W IZ#; 06039176 ti v~~l~l~~~1Q~ 7'he undersibncd does hereby verify subject to the penalties of 18 1'.A. C.S. 4004 t•clating to unsworn falsifications to authorities, that he/she is Jessica Kerwin Deposit Processing (~I~u1te) Specialist of Mi.d ,Penn Bank • ~;~,~~~~;jz~~ 11~re:n. (Title) (Company) tha! he/she is duly authorized to make this verification, and that the. facts sit ibrtli in the forc~;o:ng Answers to inten•ogatories are true and correct to the best of IZis/her kne~4vled~,c, inio~°rnation and l~elicf. _.~. ~~: _ SHERIFF'IS OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart SOilCItOr ~~~~~ ci ~'~i+e6rrr~~~ ~ 1 ~~ ,~ -.,=r.- CYFPi~EC- T'+ESwERIFF 1~~Li~- ~~/~h , ,~~ i ... lJS~~~i ~ iJ"t S :~~~~ Asset Acceptance LLC vs. Deborah J Lehr Case Number 2010-4614 HERIFF'S RETURN OF SERVICE 07/14/2010 08:19 PM -Michael Bari 2010 at 2019 hours, he defendant, to wit: Debor MHP, Carlisle, Cumberl~ personally the said true SHERIFF COST: $33.40 July 15, 2010 c, Deputy Sheriff, who being duly sworn according to law, states that on July 14, rued a true copy of the within Complaint and Notice, upon the within named J. Lehr, by making known unto herself personally, at 45 Regency Woods North i County, Pennsylvania 17013 its contents and at the same time handing to her d correct copy of the same. ~// c ~ n ~-' MICHAEL BARRICK, DEPUTY SO ANSWERS, RON R ANDERSON, SHERIFF (ci CountySuite Sheriff, Teleosoff, Inc. WELTMAN, WEINBERG & REIS CO., L.P.A. BY: James C. Warmbrodt, Esquire I.D. No.42524 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: 412.434.7955 Fax: 412.434.7959 File # 06039176 Attorney for Plaintiff(s) G -.;-„T; rrs ~' ~/~ CHASE BANK USA, N.A. vs. JAMES N FOLK and MID PENN BANK Garnishee(s) CUMBERLAND County Court of Common Pleas NO. 07-4614-CIVIL TERM PRAECIPE TO DISCONTINUE ATTACHMENT EXECUTION TO THE PROTHONOTARY: N Y n J a ~ (~ Til ~ r~ -;, ~' N -, _y f„ -c.- ~, ' ;^ ha °:,i c r::: Kindly marked the above matter settled, discontinued, and ended as to Garnishee(s), MID PENN BANK, only. WELTMAN, WEINBERG & REIS CO., L.P.A. By Sworn to and subscribed Before me the _-.L~y of June, 20I 0 NOTARY PUBLIC a.~r of ~wsnva~v- ~ ~~ Shea. Gi. ewa- ~ Nov. ss ~oio -. ,_ r..r ~ 8 . oo P ~ A'n1/ fry ~toU4 t4I Q,~a ~t sc~a~ w FLED-OFFICE OF THE PROTHONOTARY 2010 DEC 21 AM 9: 15 IN THE COURT OFO QIiJMBERLAND COUNTY, PENNSYLVANIA C DIVISION CHASE BANK USA, N.A. Plaintiff vs. JAMES N FOLK Defendant CUMBERLAND FCU D4EMBERS 1 ST FCU, Garnishee, No. 07-4614-CIVIL TERM PRAECIPE FOR WRIT OF EXECUTION (BANK ATTACHMENT ONLY) 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 Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#06039176 32 B6 ce r- 10(j.SO, u4 14 00 '9(4-'50 \t lI • Y. t' 6 ?t +?aN. SU u 4 AV g a c ?t ., g 3? I . !°1 Dtt?-a?aLt&4r MUkail x a.1° C~!? wr,-- o? tx?tt?- /:s2u,? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. JAMES N FOLK Defendant CUMBERLAND FCU MEMBERS 1 ST FCU, Garnishee TO THE PROTHONOTARY: Civil Action No. 07-4614-CIVIL TERM PRAECIPE FOR WRIT OF EXECUTION Kindly issue a Writ of Execution in the above matter... 1. directed to the Sheriff of CUMBERLAND County: 2. against JAMES N FOLK, Defendant - -56C' W. Penn S+# Carlisle, PA 17013 , 101093E a&HCAlc kkA., AA0--h, 10A 170s0-170(. 3. against CUMBERLAND FCU and MEMBERS 1sT FCU, Garnishee 1 4. Judgment Amount 6aeo Carlcsle lWkp $ 12,385.52 Mechani sbur?.PA 17030-170(p Interest Costs SUBTOTAL: $ 2,060.41 $ 721.50 $ 15,167.43 Costs (to be added by Prothonotary): $ WELTMAN, WEINBERG & REIS CO., L.P.A. By: William T Molczan, E uire PA I.D. #47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 07-4614 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due CHASE BANK USA NA, Plaintiff (s) From JAMES N FOLK, 556 West Penn Street, Carlisle, PA 17013 (1) You are directed to levy upon the property of the defendant (s)and to sell (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: CUMBERLAND FCU, 6692 Carlisle Pike, Mechanicsburg, PA 17050-1706 MEMBERS 1sT FCU, 6280 Carlisle Pike, Mechanicsburg, PA 17050-1706 and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $12,385.52 Interest -- $2,060.41 L.L. Atty's Comm % Atty Paid $321.39 Plaintiff Paid Date: 12/21/10 (Seal) Due Prothy $2.00 Other Costs Davi 4B- ue11Proth notary By: REQUESTING PARTY: Name WILLIAM T MOLCZAN, ESQUIRE Address: WELTMAN WEINBERG & REIS CO. LPA 1400 KOPPERS BUILDING 436 SEVENTH AVENUE PITTSBURGH, PA 15219 Deputy Attorney for: PLANTIFF Telephone: 412-434-7955 Supreme Court ID No. 47437 RECEIVED JAN 0 3 2011 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff No. 07-4614-CIVIL TERM vs. INTERROGATORIES IN ATTACHMENT GARNISHEE(S) JAMES N FOLK Defendant and C? c- N ° CD E: r +1 CUMBERLAND FCU MEMBERS 1 ST FCU o Garnishees FILED ON BEHALF OF: 7. © --n Plaintiff "n COUNSEL OF RECORD OF - z' THIS PARTY: William T Molczan, Esquire PA I.D. #47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#06039176 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. JAMES N FOLK Defendant and CUMBERLAND FCU MEMBERS 1 ST FCU Garnishees Civil Action No.: 07-4614-CIVIL TERM TO: CUMBERLAND FCU Suggested Reference No.: XXX-XX-0422 6692 CARLISLE PIKE MECHANICSBURG, PA 17050-1706 MEMBERS 1sT FCU 6280 CARLISLE PIKE MECHANICSBURG, PA 17050-2305 RE: JAMES N FOLK 556 WEST PENN ST CARLISLE, PA 17013 IMPORTANT NOTICES TO GARNISHEE! A. You are required to file answers to the following interrogatories within twenty (20) days after service upon you. Failure to do so may result in Judgment against you. B. Herein, the word "defendant" means any one or more of the defendants against whom the writ of Execution is issued. C. While service of Writ upon the Garnishee attaches all property of the Defendant subject to attachment which is then in the hands of the garnishee, it also attaches all property of the defendant which comes into the Garnishee's possession thereafter, until Judgment is entered against the Garnishee. For example, the resultant liability of a Garnishee-Bank would not be measured by the balance in the debtor's account, either at the time of service of the Writ or at the time of Judgment against the Garnishee, but rather by the amounts deposited and withdrawn during the intervening period. INTERROGATORIES IN ATTACHMENT 1. At the time you were served or at any subsequent time did you owe the defendant any money or were you liable to him on any negotiable or other written instrument, or did he claim that you owed him any money or were liable to him for any reason (including funds on deposit for checking or savings accounts and certificates of deposit)? M I a. If the answer to Interrogatory 1 is in the affirmative, state the following: the amount of money you owe or owed to defendant, and, if such money is in the form of a fund, the present location thereof; the terms, face amount and amount you owe or owed to defendant on each of such negotiable or other written instruments and the present location of each of such instruments; the amount or amounts that defendant claims or claimed that you owe or owed to him; and the nature and amount of each of such liabilities. N ?? 2. At the time you were served or at any subsequent time was there in your possession, custody or control of yourself and one or more other persons any property of any nature owned solely or in part by the defendant. No 3. At the time you were served or at any subsequent time (lid you hold legal title to any property of any nature owned solely or part by the defendant or in which defendant held or claimed any interest? 00 4. At the time you were served or at any subsequent time did you hold as fiduciary any property in which the defendant had an interest? tb 5. At any time before or after you were served, did the defendant transfer or deliver any property to you or to any person or place pursuant to your directions or consent and if so what was the consideration thereof? ?Q 6. At any time after you were served did you pay, transfer, or deliver any money or property to the defendant or to any person or place pursuant to his direction or otherwise discharge any claim of the defendant against you? No 7. If you are a bank or other financial institution, at the time you were served or at any subsequent time did the defendant have funds on deposit in an account in which funds are deposited electronically on a recurring basis and which are identified as being funds that upon deposit are exempt from execution, levy or attachment under Pennsylvania. or federal law? If so, Identify each account and state the reason for the exemption, the amount being withheld under each exemption and the amount of funds in each account, and the entity electronically depositing those funds on a recurring basis. 1 "O 8. If you are a bank or other financial institution, at the time you were served or at any subsequent time did the defendant have funds on deposit in an account in which the funds on deposit, not including any otherwise exempt funds, did not exceed the amount of the general monetary exemption under 42 Pa.C.S. § 8123? If so, identify each account. ut'? Vkv\A5 9. If the answer to Interrogatory 1 is in the affirmative, state- the date the sheriff served these interrogatories on this institution. N\k 10. If the answer to Interrogatory 1 is in the affirmative, state the date the written instrument, checking or savings account, certificate of deposit, or other funds were frozen, restricted, or otherwise put on hold by this institution. 11. If the response to Interrogatory 7 is in the affirmative, are other funds comingled in the account which are not deposited electronically on a recurring basis and which are identified as being funds that upon deposit are exempt from execution, levy or attachment under Pennsylvania or federal law? 1?1A 12. If the response to Interrogatory 11 is in the affirmative, state the amount of non-exempt funds on deposit in the account. WELTMAN, WEINBERG & REIS CO., L.P.A. By: G? William T Molczati, Eire PA I.D. #47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#06039176 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA, C.S, 4904 relating to unsworn falsifications to authorities, that he/she is Jody L. Burkholder (Name) Deposit Operations Analyst of Members 1 st Federal Credit Union (Title) (Company) garnishee herein, that he/she is duly authorized to make this verification, and the facts set forth in the foregoing Answer to Interrogatories are true and correct to the best of his/her knowledge, information and belief. GN ATURE) SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson '.X IL' Di` 9' F)P0 T,. Sheriff ?tt?` aitriribrr? Jody S Smith r? X &a N PH 12:1"2 Chief Deputy Richard W Stewart Rt_R, OFFICE -P?F ; q Solicitor ' ' Chase Bank USA, N.A. Case Number vs. 2007-4614 James N Folk SHERIFF'S RETURN OF SERVICE 01/0312011 02:50 PM - Tim R. Black, Deputy Sheriff, who being duly sworn according to law, states that on January 3, 2011 at 1450 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the within named defendant, to wit: James N. Folk, in the hands, possession, or control of the within named garnishee, Members 1 st Federal Credit Union, 1166 Walnut Bottom Road, Carlisle, Cumberland County, Pennsylvania 17013, by handing to Marisol Barber, Branch Manager, personally three copies of interrogatories together with three true and attested copies of the writ of execution and made the contents there of known to her. 01/06/2011 11:07 AM - Gerald N. Worthington, Deputy Sheriff, who being duly sworn according to law, states that on January 5, 2011 at 1107 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the within named defendant, to wit: James N. Folk, in the hands, possession, or control of the within named garnishee, New Cumberland Federal Credit Union, 6692.Carlisle Pike, Mechanicsburg, Cumberland County, Pennsylvania 17055, by handing to Briana Howsare, Branch Manager, personally three copies of interrogatories together with three true and attested copies of the writ of execution and made the contents there of known to her. The writ of execution and notice to defendant was mailed on January 6, 2011 to James N. Folk at 556 W Penn Street, Carlisle, PA 17013. SO ANSWERS, January 06, 2011 RON R ANDERSON, SHERIFF Tim R. Black, Deputy Gerald N. Worth' gton, Deputy (c) COUrdySuite Sherifrt. Te!e0SOf1. Inc. WRIT OF EXECUTION and/or ATTACHMENT • COMMONWEALTH OF PENNSYLVANIA) NO 07-4614 Civil COUNTY OF CUMBERLAND) CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due CHASE BANK USA, N.A., Plaintiff (s) From JAMES N. FOLK, 556 W. Penn Street, Carlisle, PA 17013 (1) You are directed to levy upon the property of the defendant (s)and to sell (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: MID PENN BANK, 4622 Carlisle Pike, Mechanicsburg, PA 17055 and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof, (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $12,385.52 Interest -- $1,608.42 Atty's Comm % Atty Paid $288.89 Plaintiff Paid Date: 5/12/10 L.L. Due Prothy $2.00 Other Costs 4Da. Buell, Proth notary (Seal) By: REQUESTING PARTY: Name WILLIAM T. MOLCZAN, ESQUIRE Address: WELTMAN, WEINBERG & REIS CO, LPA 1400 KOPPERS BUILDING 436 SEVENTH AVENUE PITTSBURGH, PA 15219 Attorney for: PLAINTIFF Telephone: 412-434-7955 Supreme Court ID No. 47437 Deputy SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff - t?FILED-OFFICE ttt?i? pt ti 3uLpr + , 44t> T? N'/ Jody S Smith Chief Deputy ?Q Rpfl ichard W Stewart z' Solicitor CUP18ERL A PI D FEIA S YL VA ?1, lit I Chase Bank USA, N.A. vs. Case Number James N Folk 2007-4614 SHERIFF'S RETURN OF SERVICE 05/27/2010 01:32 PM - Dennis Fry, Deputy Sheriff, who being duly sworn according to law, states that on May 27, 2010 at 1332 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the within named defendant, to wit: James N. Folk, in the hands, possession, or control of the within named garnishee, Mid Penn Bank, 4622 Carlisle Pike, Mechanicsburg, Cumberland County, Pennsylvania 17050, by handing to Debra K. Patrick, Assistant Manager personally three copies of interrogatories together with three true and attested copies of the writ of execution and made the contents there of known to her. The writ of execution and notice to defendant was mailed on May 28, 2010 to James N. Folk at 556 W Penn Street, Carlisle, PA 17013. 12/22/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states this writ of execution is returned as ABANDONED. No action on writ in over 6 months. SHERIFF COST: $90.66 December 22, 2010 SO ANSWERS, a7 RON R ANDERSON, SHERIFF r j Ili ) By ,haron R. Lantz eIC-3474r/Y yci rounty3uitr Shrn$ Te'eos:,tt. I;^;; IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. JAMES N FOLK Defendant CUMBERLAND FCU Garnishee ?r7,7 dSS 3 7t/ No. 07-4614 CIVIL TERM PRAECIPE FOR JUDGMENT AGAINST GARNISHEE 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#06039176 a 'tt t.i7 ^t7 f`T? ^ ' c: etc, , IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No. 07-4614 CIVIL TERM JAMES N FOLK Defendant CUMBERLAND FCU Garnishee PRAECIPE FOR JUDGMENT AGAINST GARNISHEE TO THE PROTHONOTARY: Kindly enter Judgment against the Garnishee, CUMBERLAND FCU , in the amount of $18.87, which is less than Defendant owes to Plaintiff and which amount Garnishee has admitted owing to the Defendant, in answers to Interrogatories. WELTMAN, WEINBERG & REIS CO., L.P.A. By: L William T Molczan, E?!(uire PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#06039176 I hereby certify that the address of the Plaintiff is: c/o Weltman, Weinberg & Reis Co., L.P.A., 1400 Koppers Building, 436 7`h Avenue, Pittsburgh, PA 15219 And that the last known address of the Garnishee is: 6692 CARLISLE PIKE, MECHANICSBURG, PA 17050-1706 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. JAMES N FOLK Defendant: and CUMBERLAND FCU MEMBERS 1 ST FCU Garnishees No. 07-4614-CIVIL TERM INTERROGATORIES IN ATTACHMENT GARNISHEE(S) 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 Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#06039176 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff VS. JAMES N FOLK Defendant and CUMBERLAND FCU MEMBERS 1 ST FCU Garnishees Civil Action No.: 07-4614-CIVIL TERM TO: CUMBERLAND FCU Suggested Reference No.: XXX-XX-0422 6692 CARLISLE PIKE MECHANICSBURG, PA 17050-1706 MEMBERS 1sT FCU 6280 CARLISLE PIKE MECHANICSBURG, PA 17050-2305 RE: JAMES N FOLK 556 WEST PENN ST CARLISLE, PA 17013 IMPORTANT NOTICES TO GARNISHEE! A. You are required to file answers to the following interrogatories within twenty (20) days after service upon you. Failure to do so may result in Judgment against you. B. Herein, the word "defendant" means any one or more of the defendants against whom the writ of Execution is issued. C. While service of Writ upon the Garnishee attaches all property of the Defendant subject to attachment which is then in the hands of the garnishee, it also attaches all property of the defendant which comes into the Garnishee's possession thereafter, until Judgment is entered against the Garnishee. For example, the resultant liability of a Garnishee-Bank would not be measured by the balance in the debtor's account, either at the time of service of the Writ or at the time of Judgment against the Garnishee, but rather by the amounts deposited and withdrawn during the intervening period. INTERROGATORIES IN ATTACHMENT 1. At the time you were served or at any subsequent time did you owe the defendant any money or were you liable to him on any negotiable or other written instrument, or did he claim that you owed him any money or were liable to him for any reason (including funds on deposit for checking or savings accounts and certificates of deposit)? 1 eso IA ew 1) eV di o S o (2 CC D U fits ?%' h e*-e- fc n d t°%'- th -e, /4 cc- ozc e 7t- 3* Rig&"7. 5i, Pr ,mu,rj '5,ha.Ye-s, lea faJ,7 C--c, / S?4 S5,00 s4 , Sha re D r a 4?s-, I?Pcc / a.,n c -e- s 3 /3- $ 7. I a. If the answer to Interrogatory 1 is in the affirmative, state the following: the amount of money you owe or owed to defendant, and, if such money is in the form of a fund, the present location thereof; the terms, face amount and amount you owe or owed to defendant on each of such negotiable or other written instruments and the present location of each of such instruments; the amount or amounts that defendant claims or claimed that you owe or owed to him; and the nature and amount of each of such liabilities. 0 C) 7 2. At the time you were served or at any subsequent time was there in your possession, custody or control of yourself and one or more other persons any property of any nature owned solely or in part by the defendant. J ? ?( f V 3. At the time you were served or at any subsequent time did you hold legal title to any property of any nature owned solely or part by the defendant or in which defendant held or claimed any interest? o No 4. At the time you were served or at any subsequent time did you hold as fiduciary any property in which the defendant had an interest? Wo 5. At any time before or after you were served, did the defendant transfer or deliver any property to you or to any person or place pursuant to your directions or consent and if so what was the consideration thereof? 6. At any time after you were served did you pay, transfer, or deliver any money or property to the defendant or to any person or place pursuant to his direction or otherwise discharge any claim of the defendant against you? K 7. If you are a bank or other financial institution, at the time you were served or at any subsequent time did the defendant have funds on deposit in an account in which funds are deposited electronically on a recurring basis and which are identified as being funds that upon deposit are exempt from execution, levy or attachment under Pennsylvania or federal law? If so, Identify each account and state the reason for the exemption, the amount being withheld under each exemption and the amount of funds in each account, and the entity electronically depositing those funds on a recurring basis. 'Rib m m, J/7 as a 1?r "t)e,C? Jl? c f d??os / /- ?? 5 f r2? T?e YYI t ?^ . ?Je os , f p oskd t asf 6_Y) l 7111? 8. If you are a bank or other financial institution, at the time you were served or at any subsequent time did the defendant have funds on deposit in an account in which the funds on deposit, not including any otherwise exempt funds, did not exceed the amount of the general monetary exemption under 42 Pa.C.S. § 8123? If so, identify each account. Yes ar)i o u h n e enl c? tq cc "t n 9. If the answer to Interrogatory 1 is in the affirmative, state the date the sheriff served these interrogatories on this institution. /151ri 10. If the answer to Interrogatory 1 is in the affirmative, state the date the written instrument, checking or savings account, certificate of deposit, or other funds were frozen, restricted, or otherwise put on hold by this institution. 1/5 11. If the response to Interrogatory 7 is in the affirmative, are other funds comingled in the account which are not deposited electronically on a recurring basis and which are identified as being funds that upon deposit are exempt from execution, levy or attachment under Pennsylvania or federal law? `V0 12. If the response to Interrogatory 11 is in the affirmative, state the amount of non-exempt funds on deposit in the account. WELTMAN, WEINBERG & REIS CO., L.P.A. By: 4/ William T Molczad, Eire PA I.D. #47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#06039176 a VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA. C.S. 4904 relating to unsworn falsifications to authorities, that he/she is wi s ?-- (Name) of (Title) ??%/' 11 , garnishee herein, ) (Company) that he/she is duly authorized to make this verification, and that the facts set forth in the foregoing Answers to Interrogatories are true and correct to the best of his/her knowledge, information and belief. ( NATURE) IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No. 07-4614 CIVIL TERM JAMES N FOLK Defendant CUMBERLAND FCU Garnishee NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff ( ) Defendant (xx) Garnishee You are hereby notified that the following Order or Judgment was entered against you on ,21 1? 1 l (xx) Assumpsit Judgment in the amount of $18.87 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 ( ) Default ( ) Verdict ( ) Arbitration Award Prothonot r By: Cumberland Fcu 6692 Carlisle Pike Mechanicsburg, Pa 17050-1706 WELTMAN, WEINBERG & REIS CO., L.P.A. BY: James C Warmbrodt, Esquire I.D. No.42524 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: 412.434.7955 Fax: 412.434.7959 File # 6039176 CHASE BANK USA, N.A. vs. JAMES N FOLK and NEW CUMBERLAND FEDERAL CREDIT UNION Garnishee(s) Attorney for Plaintiff(s) Cumberland County Court of Common Pleas NO. 07-4614-CIVIL TERM PRAECIPE TO SATISFY ATTACHMENT EXECUTION TO THE PROTHONOTARY: Kindly marked the above matter discontinued and ended as to Garnishee(s), NEW CUMBERLAND FEDERAL CREDIT UNION, only. C3 C= E .M b 3rr cnr- -- b? C) p --r! o ' C) ff , WELTMAN, WEINBERG & REIS CO., L.P.A. By Sworn to and subscribed Before me the _Lj day of February, 2011 i. NOTARY JamesAWarmbrodt, Esquire Atto e for Plaintiff /COMMONW?-TM I MN- - IA Notarial Zot Wendy L. Gauk Notary Public ub"c ` City Of Pktsbur9h. Allegh"C, " res July My COmmis?? adon 15 2014 Of Notaries Member. Pennsylvania Assoc a4og.ooQdat/ e V.lk o'25 c? Boa V- WELTMAN, WEINBERG & REIS CO., L.P.A. BY: James C Warmbrodt, Esquire I.D. No.42524 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: 412.434.7955 Fax: 412.434.7959 File # 6039176 CHASE BANK USA, N.A. vs. JAMES N FOLK and MEMBERS 1 ST FCU Garnishee(s) Attorney for Plaintiff(s) Cumberland County Court of Common Pleas NO. 07-4614-CIVIL TERM PRAECIPE TO DISCONTINUE ATTACHMENT EXECUTION TO THE PROTHONOTARY: °*T 3 Moa ys ? =- zI"'} ;r;:0 :o - r- -v rn MED o I r°- 2`- -t o C:) c°7 5 N ?m rv Kindly marked the above matter discontinued and ended as to Garnishee(s), MEMBERS 1 ST FCU, only. WELTMAN, WEINBERG & REIS CO., L.P.A. By Sworn to aai.subp'bed Before me the day of March, 2011 OTARY UBLIC CgMM___QNWEAIC-d PF PENNSYLVANIA Sheila G. bevan, ,diary "ub91e ?Zc is, 1 5, 14 TI4N 0-4 TARIES pd . d f G' 6, F 0 4, 1,)• S `7 I4; SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson OF THE FILED-OFFICE PROTHONOTARY Sheriff Jody S Smith 201 I Chief Deputy AUG 23 PH 3: 52 Richard W Stewart CUMBERLAND COUNTY Solicitor PENNSYLVANIA Chase Bank USA, N.A. Case Number vs. James N Folk 2007-4614 SHERIFF'S RETURN OF SERVICE 01/03/2011 02:50 PM - Tim R. Black, Deputy Sheriff, who being duly sworn according to law, states that on January 3, 2011 at 1450 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the within named defendant, to wit: James N. Folk, in the hands, possession, or control of the within named garnishee, Members 1 st Federal Credit Union, 1166 Walnut Bottom Road, Carlisle, Cumberland County, Pennsylvania 17013, by handing to Marisol Barber, Branch Manager, personally three copies of interrogatories together with three true and attested copies of the writ of execution and made the contents there of known to her. 01/06/2011 11:07 AM - Gerald N. Worthington, Deputy Sheriff, who being duly sworn according to law, states that on January 5, 2011 at 1107 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the within named defendant, to wit: James N. Folk, in the hands, possession, or control of the within named garnishee, New Cumberland Federal Credit Union, 6692 Carlisle Pike, Mechanicsburg, Cumberland County, Pennsylvania 17055, by handing to Briana Howsare, Branch Manager, personally three copies of interrogatories together with three true and attested copies of the writ of execution and made the contents there of known to her. The writ of execution and notice to defendant was mailed on January 6, 2011 to James N. Folk at 556 W Penn Street, Carlisle, PA 17013. 08/22/2011 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states this writ of execution is returned as ABANDONED. No action on writ in over 6 months. SHERIFF COST: $144.41 August 22, 2011 SO ANSWERS, Z RbNl`V R ANDERSON, SHERIFF ,Pt i:? rp 3'1_'_?44 ic} Cou ltySuite Sr.(,, ft TT6eos lt. Inc.