HomeMy WebLinkAbout07-4704/ }
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff No ~ ~7- ~'rO~ CIVi ( warm
vs.
COMPLAINT IN CIVIL ACTION
TAMMY L MALLIOS
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
06077442 C J Pit SJS
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
TAMMY L MALLIOS
Defendant
Civil Action No D~- ~1~o`f ~'~-! ~~^--
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:
TAMMY L MALLIOS
3967 BROOKRIDGE DR
MECHANICSBURG, PA 17050
3. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number 5184450001619125 .
4. Defendant made use of said credit card and has a current balance
due of $19996.02
5. Defendant is in default of the terms of the Cardholder Agreement
having not made monthly payments to Plaintiff thereby rendering the
entire balance immediately due and payable.
6. Plaintiff avers that the Cardholder Agreement between the parties
provides that Plaintiff is entitled to the addition of interest at the
rate of 6.000°s 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 TAMMY L MALLIOS INDIVIDUALLY in the amount of
$19996.02 with continuing finance charges thereon at the rate of
6.OOOo per annum from July 16, 2007 plus costs.
06077442 C J Pit SJS
This law firm is a debt collector
our client and any information ob
Jame C Warmbrodt,42524
WEL WEINBERG & REIS CO., L.P.A.
436 Sev nth Avenue, Suite 2718
Pi tsb rgh, PA 15219
( 12) 434-7955
~X: 412-338-7130
ting to collect this debt for
will be used for that purpose.
Page 1 of 2
Statement r«.~oNnf numt»r: srBa asoo o~Br aizs
New Balance Payment Due Date Past Due Amount Minimum Payment
$19,996.02 05!1407 $1,067.00 $2,594.02
Make your Cheek pay~Dla to Chess GM eaNlem.
Amount Enckxaed $ New aeereea a email? Print on beck.
5184450D0161912500259402019996020D00000
33E1a eex z logo] D
TAMMY L MALLIOS
3967 BROOKRIDGE DR
MECHANICSBURG PA 17060.7821
CHASE V
CARDMEMBER SERVICE
PO BOJ( 16163
WILMINGTON DE 19886-6163
f: 5000 160 28f: 408000 L 6 L9 i 2 5 ill'
Opening/Cbaing Dale: 03+20/07.0479/07 CUSTOMER SERVICE
CHASE O
8r gq pZ In U.S. 1-800-9452000
~
M
imum Payment Due: ra
EapeBol 1-588.4463309
TDD 1-800-9568060
Pey a/ phone 1-B00-436-7958
Outside U.S. cell collect
MASTERCARD ACCOUNT SUMMARY Account Number: 57x4 a5oo 5757 9725 1.302.594.5200
Previous Balance $20,227.36 Total Credit Line ACCOUNT INQUIRIES
$19,000 P
O
Box 15298
Payment, Credits •$520.00 Available Credit .
.
~ Wilmington
DE 19850-5298
Purchases, Cash, Debits +$78.00 Cash Access Line ,
$19,000
Finance Charges +$510.66 Available for Ceah $0 PAYMENT ADDRESS
New Balance $18,996.02 P.O. Box 15153
Wilmington, DE 19886-6763
VISIT US AT:
www. chase.com/creditcarda
The charge privileges on your credit card account have been revoked. You no longer have the
eblllry b use your credit card account for purchases. We can help you get beck on track. Call
1.600-966-8090 (colect 1.30&694-8200) today.
TRANSACTIONS
Trens Amount
Date Relerence Number Merchant Name or Traneacdon Deecripkon Credit Debit
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Averege Daily Balance Due To Transacfion Accumulated FlNANCE
Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES
Purchases V .08217% 29.99°/, $17,630.90 $449.10 $0.00 $0.00 $449.10
Cash advances V .08217°k 29.99% $2,416.fi8 $61.66 $0.00 $0.00 $61.66
Total finance charges
$610.66
Effective Annual Psreenbge Rob (APR): 28,8896
Please see Inlormalion About Your Account section for balance computation me8lod, grace period, and other important information.
The Corrsepondirg APR is the rate of interest you pay when you carry a balance on any Irensection category.
The ElfecSVe APR represents your total finance chergee -including Irenaec8on lase
such as cash advance and balance transfer lees -expressed es a percentage.
IMPORTANT NEWS
Family 4 Pack: 4 Tickets b Six Flags forjuat 99 Dollars!
Now through June 30, 2007, purchase 4 general admission
fickets online to any Sa Flags Theme Park and pay just 99
Dollars. L.og on b your ecccun[ al Chase.cpn to take
advantage of this exclusive offer.
This Statement is a Facsimile -Not an original
~( 0000001 FI533336 D 6 00D N 2 19 0]NO/18 Pepe 1 d 1 06698 MA MA 93618 109100000900p33916m
(~o7~~ty~
EXHIBIT
https://instantimage.bankone.net/Star/j sp/PrintDirectly. j sp
6/12/2007
Page 2 of 2
Address Change Request
Pleeae provide mtormabon below ony if the addreae information on Irom is incorrect.
Street Address: ----------------------
Ciry: ------------------
Site: --
Zip. _-___ ----
Home Phone: --- --- ----
Work Phone: --- --- ---_
E-mall Address: ----------------------
L
InlormaROn Alout Your Account
LoN or Stolen Grtla: Please report your lost or stolen card immediately by
telling me Customer Service number found on the front of your statement.
Advisors are always available to assist you. Vou an reach an Advisor by
pressing D attar you enter your account number.
Cnlitinp of Payments: For payments by regular U.S. mail, send at least
your minimum payment tlua to our past office box dazipnated for payments
Shown on this satement. Vour payments oy mail must comply with lha
instructans on this sntemenl, and must be made by check or money order,
payable in LL5. Dollars, and drawn on or payable through a U.S. financial
institution or me U.S. branch of a forel0n firancWl instltution. Do not sets
ash. Write your eaount number on your check or money order. Payments
mual be actomDanlad by the payment coupon in me envelope DroMtled wim
our address visible through the envelope w,ndow; me envelope annot
contain more than one payment or coupon; and mere can he no staples,
paper clips. spa or correspondence included with your payment. If your
payment is in accordance wim our payment iratruc[ions and is made
available to us on arty day exaDt December 25 by L00 p.m. tool time at
our post office boz desipnaletl for payments on IhiS sntemenl we will credit
me payment to your account as of that day. If your payment Is in accordance
odor our payment instructions, but is made available to us altar 1:00 D.m.
tool time at our post office boz designated far payments on this statement,
we will ttetlit g to your account as of me next day. If you der not follow our
payment instructions or if your payment is not sent Dy regular U.S. mail n
our post office boz designated for paymants, crediting of your payment may
be delayed for up to 5 days. Paymenn made electranicelly through our
automated Ialephone service, Customer Service advisors, or our web site
will be sublet[ to any processing limes Oisdosetl for moss payments.
AecpaM Inlermalien Ruporlud tb CrudN Bunaua: We may report
mlormalion about your account to credit bureaus. Late paymenn. missed
paymenn or Omer denuln on your account may he reflected in your credit
report. If you think we have reported inapcun[e inlarmafion to a credit
bureau, you may write to us at me Cerdmember Service address listed pre
your billing snnment.
NMiu AYaM Enctranic Ckosk Canwrsion: When you provide a check az
payment you aumodze us timer to use informatlon boor your chadt to make
a one-time electnrde fold tmafer from your aceount or tv Draeaz me
oaymant as a check trareadion. When we use Informatlon from your check
n make an electronic land transfer, lands may be wimdrawn Fram your
account az soon as the same day we receive your payment, and you will not
receive your check back from your financWl insfitufion. Cad me cuslomm
service number on this statement it you have puaztlons about electronic
check collecfion or do not want your paymenn collecte0 elx[ronially.
Cwlltiaal Paymenh: Any payment check or Omer form of payment that
ycu send us for less than me full baWnce due that Is marked "paid in full' or
contains a similar nontlon, or Rat you omerwisa lender in full salislactlon
of a disputed amount, must De sent n Card Servicaz, P0. Box 15049,
Wilmington, OE 19850-5049, We reserve all our riphn nganirp these
payments (e.g.. if 11 is tleterminetl there Is rep valid dispute or it any such
chetN is received at any other address, we may accept me checN and you
wilt still owe any remaining balance). We may refuse to accept any such
payment by resuming it to you, not cashing it or destroying il. All other
paymenn mat you make should be Sent to me apDroDdele payment address.
Annl RuawM Notice II your account has an annual lee, it MII he billed
each yar or in monthy insullments, whamer or rent you use your accow[.
and you agree to pay it when billed. The annual tee is non-refundable unless
you reality us that you wish n doe your account within 30 days of me den
we mail your sntemenl on which me annual fee is Barged and at me same
bore, you pay your ounnndinq baWnce in lull. Your payment of me annual
fee does no[ aRect our rights to dose your account and to limit your right lp
make hansactrons on your account. II your acwunl is closed by you or us,
we will continue to charge the annual fee until you pay your outsnndinq
baWnce in full end terminate your account reWtionahip.
Ea-lanallon of Fipnn Chaqu: We alculale pedodic finance charges,
using me appliahle periodic re[es shown on this sntemanC separately for
each lecture (e.g.. balance transfer/cornenience checks and cash advance
check9 I'cneck [nnsaclion"). Durcnesss, balance Iransfen, cash advances,
promotlonal balances or overdraft advances). These alcuntlons may
combine dlflerant aleppries w;m me same daily periodic rates. II there Is a
"Y" next to a periodic rate on this sntemenl, That nn may vary, and the
index and margin used to determine that rate and in corresponding APR are
described in your CaMmembar Agreement as amended. There is a
minimum finance charge m any billing ryde in which you owe arty Dedodic
flnana charges, and a transacton Nnance charge for each balance Transfer,
cash advance, or check transaction, in the amounts stated in your
Cardmem6er Agreement, u amended.
Tp Aet ma daily balance nr each day of Ina current billing cycle, we nke the
beginning balance for reek feanre, add any new tnnsactlvns or other debits
(indudlnp fees, unpaid Arence charges and omen charges), subtnct arty
payments or credin, red make Omer adjualments. Transactions are added
as al me Iransa«ion date, me heginninp of me billing ryde in whits may are
posted n your account, or a later date of our thrice (except met check
Iransactians are added as pl me dale deposited by the payee pr a Laren dale
of our choice). Fees are adtleO either pre the date of a related transaction, me
date they are posted to your account, or the last day pf the billing cycle. This
pivea us that day's daily baWnce. A credit balance is treated as a balance of
zero. II a daily periodic me applies n any feature, Ova muIDD1Y the daily
balance Dy me daily pedotlic rate n Bet your periodic firena charges for
that day. We then add these periodic finance charges to your daily balance
to gat the beginning balance for the nezl day. (It more than one daily periodic
rate codd apply based on me average daily balance, we will use the daily
Oeriodic ran mat aDDliea for me average daily balance amount at the and of
the billing cycle to alculan [he daffy periodic finance darge each day.)
To get your tool pedodic finance charge for a billing cycle when a daily
periodic rate(s) applies, we add all of the logy pedodic finance charges for all
features. To denrtnine an avenge daily balance, we add your daily balances
and Divide by the number of the days in the applicable billing cyde(s).If you
multiply the average daffy Dalance for uch feature by the applicable daily
periodic rata, anO men multlDly each of mesa resuln by the number of days
in the apDliable hillinq cycn(s). and men add all of me resuln together, the
Ionl will also equal me Dedodic finance charges for me billing ryde, except
for minor variations due to rounding. To gel your recd pedodic finance charge
for a hillinq ryde when a monthly periodic rate(s) applies, mulDply the
ave2pe daily balance for reek lecture b1'the applicable monthy periodic rata
and add me results togemer. The lonl will equal the pedotlic finance charges
for the killing ryde, except for minor variatlvns due la rounding.
Grsce Period (at least 20 dap):
We accrue periodic Finance charges on a Transaction, fee, pr finance charge
from me date it Is added to your daily balance until payment In lull is
received an your account. However, we do not charge periodic finance
chargm on new purchases billed during a bilgnq cycle if we receive both
payment of your New Balance pre your current snnment by the date and
time your Daymenl is due and also payment of your New Balance on your
previous sntemenl by me den and lime your payment was due. There is no
grace period for balance translers, cash advances, check transactions, or
Overdraft ententes.
In alditian, it tIm is a "Oualiyiq Promotioal Financing' section oe
q6 elMemeM, you will not incur pedotlic finance charges on any
Remaining Banner mat appears in that section if ycu pay That balance in full
by me applicable Emiralion Date. To avoid finance charges on new
purchases when your New Balance includes any Remaining Balance(s) in
me Dualitymp Promotional Financing section, pay your full New Balance
minor the rent of (hose Remaining Balance(s) by me dale and time your
payment is due. However, it your sntemenl shows Thal a minimum payment
is due, we must recdve at leazt that minimum payment by me date and Dme
specified pre your snnment, even it your New Balance consists only of
Ouafiyinq Promotional Financing balances.
Also, nr some Oualiyinp Promobonal Finandng balances, pedodic linance
charges earue during the promotivral period but are not added tp your
account balance. Instead. Ihry accumulate tram billing ryde to hillinq cycle.
This is referred 1o as "deferred interest" If a deferred innrazt Oualilyinp
Promotional Financing baWnce is not paid in full by me applicable Ezpiretion
Dale, me delerretl finance charges will De added to your account as soon as
the first day after me Ezpiraean Date. Further, it you delaull antler the Terms
of your Cardmember Apraemenl, the deterred finance charges will 6e added
to your account as soon as the date of default.
BILLING RI6HTS SUMMARY
la Case of Emon or OaoWons AIoM Yonr Bill: If you mink your bill is
wrong, or it you need more information about a transaction on your bill, write
Grdmember Service on a separate sheet at P.O. Boz 15299 Wlminpton, DE
196503299 as soon az possible. We must hear Irom you no Wter man 60
days after we sent you the fiat hill on which me error or Problem aPPeared.
Ypu an telephone us, but doing so wig not preserve your dghn.
In your lefter, give us me lallvwinp informadan.
•Vour name and account number
• The dollar amount of [he suspecnd error
• Describe the error and explain. it ycu can, why you believe there is an eror.
II you need mare infarmatlan, describe the item you are unsure shout.
You do not have to Day any amount in question while we are invssfigatinp.
but you are SDII oDNgaletl to pay [ha Darts of your bill mat are not in
quesfion. WMIe we investlpale your question, we cannot report you as
delinquent or take action Io collect me amount you question. II you have
authorized us n pay yourcredit card hill aulvmatically Irom your ssvinps or
checking account, you can stop the payment on any amount you think is
wrong. To Stop me payment, your lefter or call (using me Cardmember
SeMCe address or telephone number shown on this snlemenq must reach
us at least three business days before me automatl< payment is scheduled
to occur
Spacial Rtle for GndN Cartl PorsAacu: 11 you have a problem with me
pualiry of floods or seMces mat you Dumhaze0 wlm a credit artl (exclutlinp
pumhazaz made with a check), and you have tried in good Leith to correct
me problem with ma merchant, you may not have [o pay me remaining
amount tlua on me goods dr services. You have mis protection ony when
me purchaza Dnca was more than S50 and [he purchase was made in your
home snn or wimin 100 miles of your mailing address. These limintigns
do not apply it we own or operas the merchant or if we merged you me
advertisement tar ma property err seMces.
MA021207
https://instantimage.bankone.net/Star/jsp/PrintDirectly.-jsp 6/12/2007
C-,tA12o75
~ardrr~em6er ~greerner~t
ACCEPTANCE OF-(tiIS R6UEENENT
This eprssmentgovernsyourcndncarusealyou~tUrcounttsacavendbythisegtoasr+° t
cantsininp the card Sot liar account AnY romise la
Plaese read the enure egr°ement end keep ft for yow records Yau eulhorirs us `° Pe
f or snd chorga your accnuat for eA tnnsacdoes ~waA ssrry (cos a finenc° d10fg°s
pa ssforaAVansactioarr°ad°°nYpW°ccovrd.
It this is a joint accourd, each sf you, together epd indhddoeAy. is responsible !or WYing
eU amounts rented, eves it he eecoutrt is used by only °p° ~ you
ur audit cerd+~~ vssyaut~swnt ~~ PurP ~ ev n ii
Plaasa sign dre bsms;~r eeed byY nval~be (round by
this
agrnrrnantayo° ~,rd.Whsihsryouussyoutacsoun°rsot.yo urcardend
eg smentunl~Y°as°ncalyaraassvunlrrdlan]OdsYsairsrncahrin9Y°
you have no[ used Your eccouat lot stry PwP°SB
Thraughovt this rgrasaunl ~° words •ws", •os and -oar" areas Cban Bask USA,
w cndd lard end eccourrt Tla wsrds'yoa'. -your and'yonrs' moan eA
the issuer olya S with this egnemsrtt,intltrdiagthe prrsonvrha appGad
persons rssponabN for campip ng meats, as vve0 es arty
for the account and the parsoo to wham v» address bAfmp stria
person whosgraasmb°RebtaonthaaccwmCThaword•catd•rrreentonewmoncor s
er eUrer access dsrvfc°; sveh as account nvm6prs• that vrs htt» issued b permit You
to obtain coda under this agreement lamil or
USING YODU ACCOUNT tar atsonai, Y
Your ^ccaunt Is a cotuvmar account and should ba used P
oars Unless ws egr°° or it is required bylaw, wa wig not be raryanarbte
household pare urchased or leased through use of your account Yan
for merehondrsa or serricrc P torvefidaadbwlultnrrsxdans fvrasampls,mtemat
promise TD use your account only ibta Tar
pambgnq maybe illsps! is soma plsees it!s notaur respo~rb~ ~ i~ ups t y°
use our ntcormt only for pemassrbls trsnse=tionc-sad y
Y an A it is not pprmisrtbls
F~rnp for a vancactioa ov
'iypesol7rensaeiirmr. a for tlYOrserattes,_
• Pntcbesac Yoo otay use Your card to p Y ~O°
- Cheeks: Wa maY Pnride you cash advents checks ar 6dense uerrslsr checks as a
wayto ussyoar ecsornl Wa afro tetra to them is this agnamerrt as o Chas ure~cooni.
Yan may ass a cheek repay for goads tx services, to traaderbptaneesto yo
or for other uses we aMrrv Bra you may atu use rheas chscts d c °°saaisbs iDaly the
this aeeount hum olhv ° red onthe cheek may~p d+. chnscmk Cashr~advenn checks
parson whoa name is grin u We may veol
era tteal~d es cash edvancss ends smB noV nyt~~wemeketorynted as bt atue
Vensrers p:cspt as Hood in thk eqr ero sub estto the farms
chalks thstvw cell conuprdsnce checks as balanes transfer cheeks Nowsvs , th°rk+
thatwn tell cornenlenc6 traetnd er ash odrisncsstead assessed cashadvaaco refer
for cash advances, may
and teas venstet befances bum ether accounts orlocnswith other
• BaleaeeTr+nsfa[sYovmay us or any
cntfl cars issu~ IranstB bafencos w this account from olhvr sucouats with ~ ei ow
But you n ay ,tries. A ° portion of a requested belanrn transfer wa szesed your
of our ['rated comp rocsss a genial bslpnca troasler up to your evadable
a»ilabk trcdt Una, wa may P
endrt Rn•
• Ca:h pdvsnees: Yon meYs secs nimg ha c ard; °r is o6t° n varetarsgebeels. foNign
tram financid inslitul!on P o Io obtainlottsty
curransy.monvyo+dsrs,wu°vansfersorshra7rsrorlorsimiahb ~ngtra°sestwns Yau
tickets.taskrogsnmgships.nsstrsckwag nt~y,rurb°4agandla'ildtepaym•ar
mgyalsgycv a rhiar aAy,ssrvrcp rn maM4 + psYm"
u this acwun~ account vuith one al our related
. pvardraSt Am on{ink tkk ~ eaum t you iehattrtrg °s°ount v+rrh nor rsiated bank la
beaten, yn° aeyy accoutri under tfar tams of this agrrament and
cover an onrdnN op That checking
ytnrr checkitrg occoum agreomant
BtiAnp lydre to ordartomemps your account. we diyrde dins into periods caGed'bilGng
cyder . Each bitting cYd, is °PPf0X~9lhst ands iu that raontlt. Your stcsu taws h°m0 e e
your accatmt tndil inn a ba'mg cYc
bil(mp cYsle ending in nab calendar month whether or rent then h e bUling statemen
f or that bRfmg tyeia
Autkadzed Users If you aeaw someone to ass your accounts °toe fro berme se
authorized ase>^ Yov should think eanfoRy be~~aa to r~rise fba eceruatt es you ten
authorized user baeansu yon ate ~lowin9 ~u astaard and each card issued oa yow
Yov reel ramoin raspo a tar the usr'a ~Y°Y7 ~ This;pebtdes gout nsponsibif~ty tar
eecmurt estording fe tits t.rmo~ di by an authorized usu.
paying all sbargss oa ytrur
Yoa maeyy rgquasr en addp;on~f t on the ens report of that arMsrize~.: of roPnr °^a
dosn,thisaccrntmayapP •~ account U
you otNy s wain ytksmrethosaetwrnlendlarissu°sewnti~wca~rdoresrdsw~'rihediltsr°nt
aeeountnumbsc Yov slrotdd also recover and destroy arty eerds, ehseks ar any other
morns of access fn yea account horn that avttron ~et~nts Ws may afro ref ar to the
~ndii Nnn:Yaat etaddGne appears on yowbAUng show that
nrodrt fins es a uadd Gmh of spending Genic. Yow befing ststemaal oho may
o rdy a pacdnn oiyout snrdkGna may be used for cash advances Cesh sdranoxa endrt Una
cash advance eheela, ere charged against Ute tow credit Gna.°You an nspans~le for
and aA other uensacdam an charged against Y
keeping tick of Yoer recenrrt belenc0. including °rtt' fees and fmann cherq°°' and
making sots k rema~c bpu~herga your sn oveir~mit !ap s d°scr~sd In rhtsr,gf°omentt
(ms forarryreatmrb to,anlhorkecbargecthetgowaryotxsreddtias.Youmust
We mst4 but ^n not nquhad B vw ask you to
Thy ury emarmLovm yrtut usda (mo, end you must pay as immadutaly
~ egnarmrti eppRes to any balence over your txsdk Rea orlhe sash sdvmca
At our drscrmias,we meYmcreese, reduc e, a cancel yow credrtlina,
portioaolysurusdttedit(magchangawyourcrpdhGnevval oteNactyaatabbpation
vriR notlnueesa yow
to pay us transecdaa that you
Intersstiorud 7nasadiaa ~"that sou make sulsidsoollfte UUnited S usotpmarke tie
makelnsiweigesarnacY Y crtrrsary,
G it le made it U S dollars U you make a lrensasdon in a IonlWr
yrtPrnadonod a~ nspsetne currency canveaion p esduras 77w auhsngs nt~i sech
dogsts by sin! wtrso is a reu that it satacts e31hu tam Urs range of nips
entity uses to tmwan cY ~ dau [which
evaGeble M the wlwissale wrrpney markets for tbs appLesWs ~ ne~masL or the
me ra.y va7 kom the reu the raspecdrr~os e~ndc s ~iaydeu Thsralele effect
govaramaet-masrdeled nls in slfaclontha eppR nssd weerd
onlhaapPiieabbPr°s°'ui°gdebmaydiHprtr°mfnaddtionalihnsapo~rssrdp Iolrha
of eesoUrrt U!e resaNa rhs dght to charge yen was oripineUy
US doRsremort+tnls°yint°madonalusrrsec3on.whsiMrUsstinnsssl ~S.doUenby
made is U.S. ddsrs or pas made in aaodrru wrtmeY and eoneane
Visa or ytast_rGard la dthef ass, the J% wig ba sdtulstad oa iM tl•aod'~ rnamtknnel
prw~adwnsbytRstanthyThassmppr°cpcsandsharpesmaY°PPh'• Y
Iransactiap ~ nyersed
Rakrest to pnOtatiu'Traasestr°ar, Wa may, ben era not required t0. decfina a vancecdon
an your accarmt for snY °f d18 tdlowing raasons•.
• bseanse of openirond eonsiderafions,
• beesusa your seeouns Is In dafauh•
Awe susperilrnrdniaM or unlewitd activity or,
• in «+r 3~-.ration!x sty other reysnn.
Wa are swt ~spmciblo !or any losses rt a lransacUoa an your account 1s dasRned for
any Heron, sriber byes nr a third pang. even d you have suffisirrrt endd available.
trsassctioas, ws rney raquirs that Y°ov U we went y ° W repisrorr rA you
~ °nApO m drat we select Wawa rarity y
°~°~~ e~ia may dscGae yottt anTms fransacFions
do Hat ngislr~ oast for toads. Wban wa recsiva
Refuse! la PaytxrecksEesb ch¢kyou write is your nq
e cheek (os payawat WB may review your account to dacidr whsdwr to euthodra that
cheek ~ pray,trlrl srs Hai regvirsd to. njsst and rstarn unpaid a check tat ant/reason,
inelrrtfurp the faRawa9 axurrplas:
Wa or frets ofoaf nlatod tomearries is the payee on 1ha check.
Y~tndKTipaortasltsdvancapoAionolyourcradhfinohubpaa°xs°ed°d,wwould
6e asceadsd8vw Paid the cbsck
• The ctreskispest.-0eted it ° pesitfated check is paid. nsullinp in another chs:k being
ntranad w got pprod. we an not resportsfble-
- You haw asp! 1hs shack char the date specified oo it
• Yov are in ddaell of wotdd be I! ps paid the chock
Lost of Stalest t%erds, Cheeks or ptconnl Nvmb ar>~ If any card, chetk, sccoutrt nvmbac
or other meals ~s~ °Ppmissions lYov must nncily Yvsaartrronca~rbY taUarq the
may °SV d>sw tale hone number zltwm an yotrr card or being sletament Do not
Cardmsmber Service P scan a year card, check eccotertmtmbsr ar other
vas your aeeosnt efteryov notey vs, end ur
means w access Your eceormtis found at nwrtud. We may ternunsta of soap Ya
credit prrvAapeswhen you notify us of any lost. theh or unauthoraed use related to your
ettaant r.a n '~ tte::it=
Ynn may bM't's" ~ not ba Rebls loremon than SSg.DD of cueh vanssctro a. and you
nobsnsG4 Y°
wet not ba Ralda tat say 0ucyau must identGytor us Ws tin udror~•rzed ehergeskirommdrwhich
u neuthotitad era.. }lent
you nceirved as beneGi
ytq may ngrnroyonto provide us idormeGon m writing to hole us fend autwhetheppaned.
yya may elm rigs+n Yon 1o comply rirttr certain procedures in connection with our
ittwsdgsdtm:
PAYNfEMS
Payr~t lesYrtpians Your biting statement and ssrxmparryutq~ dau and rums by
msOVe~ps yp most lodap for making payments end sets IoMM
t.,~ldeb we east ncens the psymert
y~ area Ts py trs emwnts you awe in U S dollars drawn on toads on depositin a U S.
finsncbtl its m the L 5. branch d a iorolgn Gnonciai brstintrtiao using r fminr]a
check ~°y01d°rOr °utometic debilihetw+~ be processed or horrorvd byY°° not bt
~~~, yVe wrl not eraser cash peytnerds Yaout nnL t evadable s»dd may
restored for aP m 15 days aher we ncewe yea P yen
~,,,y payment deck or other fa.,a -d negmeat Which yo;:•send to us L-.• i.u titer' tTe lul
finance mat 6masked rcid in tali or with a simifsr aoteuon w that r ~~,m us at ddur
In IuR setislsc6oe o! a disputed amount leondftionsl psymsntsi. srtust
tonal?!~°atseddraast!stodonyoarmonthrystetamant WarasennaAotnrighL
rsgerdkrg sea:" palm°°ts Far example, it ft is d°tarminad thpr° is na valid Bs; ~ of
any s~paymeatisroteived et airy other address rue may ascsptlhe psym Y
~ ~ ovva arty nsmaininp balance Ws may raruso to eccspt arty such payment b
nbrrnini it 1o you- rear cashing U or by dssvoying it AA other payments drat you male
shoald be sndtodre regular peymerrt address shown on your monthly Cfis ~° et fr.
YYa rssarva the rrpht iD efecvonksUy cotlact your alipbly peYm
prasanvaesrtsrtd artyre~ent chocks iii y°ubauthodistion io us tea eaRsatha eimounl c
our receipt Of Yaw Peym
EXHIBIT
~--
the check elocuonuapy, or, if Deeded, by a drab drawn against rha bank account
Payment thecks wilibe toliocted aiseuwdesgy by ur bark Yovr bards seeonnt may
i with tbs cheek, routing and accourd etrm c H Yo r Pint ~ odpirrsl payment
be dabbed es early es the came day
aback vvpl ba dasuoyed end sn imago will 6e mamlerned in our ncorddns I es shown
Nsioimum Poymont You apse W PBY et bast rho ~ t emu ~Y~m°^at aymsal is due
on your bpl'mg ststamonL so that Hro retehnt~ d end meY P°Y the lug amount you
Yau may pay mon tMn lha minhrwm PaYm
owe us al enY tanrte• Ii you have a bat in furante sltargosbeesus~ areneer~harg
saanar you psyua,the bssyouwB paY
aetrus on ysucbsbnta rich daY bdenea (Orr
YourbrT&ngstetomaMucbigln ~ststamsird)iUthaNawHalsnuuisSa M~ODorlass.Your
'New9etarwe on yo 9
mirdmum ~syrertrt due >wn0 be the Now 9abner. DOarvvite, it vvUl be eha broast o
the togowurg:StORkZ'1~- of tba New Bateau; orths sum o1 t%of the Now Bsbnca,
peA etNifiae m}~durcat pyymmd d ecweralsti dd nY em~aunlepast due and er>flamou 1
war your crodtllnr
sndred'dsin~vvaylhatismosil~vorablatoor~coonrvenientlo~usFor xe pa.you
euthadeo us to epplYYour payments end credits to balances with hwvsr APRs (such
as promotional APRsj bdon balances wild highw APAs
Credit Bstasca:: You may rerruasl a rotund of a cretGt bdance q any dma We maY
redusella tmovM of any credit balance by the amount of now charges or lass bitted
to yaursccoval
Automelfe Cbtroaz: You may sWhorha a third perry to auto hirO esbY embetsh~ps
account for tspeat inncadlats (tor rxample, monthly udptY 9
andinsurancapremiumsjUeutomelleche; dedtos epaydroason rorY°wa~eo~Y
baceuae your steount is closrd or soap ~ prabibraadpayiagihasacharges
number chenpot,yon ors reaponalblo for rrotNY 9 -ot: to, paY lrcm
dractly !(your account turmbar chanpec• we may, but era noltetly» ar old account
your newaetountnunrbarchargeCthatyouavdtor edtobebigadtoyo
number, octet terms for your account II wa
Promadons•. From limo to rims wa may oNar sp
do, we tnrAl notify you about rha terms of flu oflsr and how long thrywGl ba in oHecl
Any promodoa is subjett to rho farms o1 this agreement as modiGad by the
prorrwdorrsl oNoc
FINANCE CyAAGES
('APHs7 and the corrstecnponding daily Periodic :tae a~ oGstod cn n ~~er o d`Fate
Table that is at the sad of this dots ~r5aend Inc aRatt ah~+aYs roved up at Chas tdth
patiadk rau wa dhdde rha APR by
placaWtherlpbtolthadaclmetpoint to waewunlmayverywiihthanpos
Vndable Rsti:s Ona or more APRs that sppiy W
to rha Prime Rate Whanyon hove en APmoRrga 1o he prir~na RatagpubtRs od in The
Rsb, we cdctdetr thv APR 6y eddmg
Wa85UaarJavmaltwobusinassdsysbeiwsthsCiosmpDatssbow~oha~w~ ~y
stalemonl Tha'Prime Rtne' is Ora bighest jU.S I Prima Rab pub6ahe ubGshing
Rates secOan of fie WaUSnastJounut R The yyiilSusat JcuraaistoPs D
the Prime Rete, wa wig sebct a smaTsr nterants rate and irdorm yav on your b1111ng
statement or through a seperete no6ea
A'mergia is Ora parteNape wa add to rho Prime Rate to t.akulate the APR A
'business dad' is any day that rs not a wsakead or loderel huGdey. Tha Aatae and
Foes Table shows whleh rates, R enY an vsrisble rtes It ehu Geis rha margin for
each yatieble rata rt any minimum dopy periodic nta and wrrrspondng APR
Twa businats days befrsa lire Gosatg Dats shown on your odfmp sbtrmen! wa •ae
whet the Prime Retaerfodc nIa idaaleulalad ss dasctrbes sbovaPrlmo iteta to pet
the APR. Tha deGy P
It our ealeuladon resells in a thongs to a daily periodic refs ham the pravrors biling
cycle because O+a Cr ~ hoeteends in tMecebnda month in which wa mods the
day of your biHtig Y a h' bar eriodit
calcWetloh ii the da0ypariodie rsua Ina hitghor~tyatmt mhPeYma~ ro P
{nonce charge and may have w P Y
Debvll Rstts: Your APRs also may vary it you are in debuh undo[ This agraemont
or any other agreemontyou have with us or arty of our related companies for any of
rha laflawirtp nssons: other
• Wa do net recehrs, for any psymont that is owned B~ drve by the date and time
ecesnnt or loan with us. et brat rha minimum p Ym
due.
• You exceed your credit fins an this ectount ur bank
You make a payment to us that is not honored by yo
• Tothe exbrrt apowrsdobY~~ ~anditng 6e ea eo andtwa do not retslvs peYmont
bnnrediata payms
vrithb::he the we speelly romodonel
If say of Iheso events occurs, N' overd ell edvanco! uP tot a maximian o(Ihe dotauit
APRs on aG balances lsxciud'mp
rate stated in the Rotas end Fves Table Wo may consider iha tolbwinp lectors to
datarmina your defauh rata: iha length of time your ectount hoe been open, rho
s:nslsnce, sertousnnss rail liming of the defsidls on your sccovnC dhor indieabons
of your accoum usage end poriormance;bdormoGon ebow your other reisQanshlps
with us opr any al our related eompaniec, and inlormedon wa obtain from eonsumor
the ~ t day o t ebgG q ayale nwhich the detTwh accurdst a td ta7 aPp>p to Du<these
eyv:.a~
~•.,~.ro,
Oelanus hum ~~God ous bilGnp rycle for which pariodre Gdanca charges hove
not bead eMeady
II we Made sot b lncreass your APR oven though them is s deledl of it wo do not
ineraew yrtw APR up to the meslmttm delerrll rata stated la the Rates and Faos
Tabb, we reserve tar rlDht to increase your APR b lie event of ary tutors dsieult
Wet Ott d Mu for a0 oar seleettad bsiaa s oa ya+r deewrd suM rates or roinstato
i"isattw CrurpCaiteletion-Tyyo.CyclsAvrrrpo De>lyBdraa McOretl ilattudiap
NawPortkasaa}IorPnrnhasrsaddAverrps DaRyBshdetiftatbodpddadlAgNow
s~entdY b>r idmubDb lsncaietod whhsaiditisranto<Y o< trsdsactipwrs
(tor aaamplayptaehaeesr bebnta venders, bdenw trsaslercbocTbese uktdedons
crib stlatcr desks. overdnftedytutus,and Beek promaOord•
maywrd6ip dpbreal cetepories with the some daily prriodle rates THs !s bow it
works
We crdculab Uta Periodic Gasnte clurpas tw purchases k two steps, as lolirrwr.
• first, lot aeb dry of the bllpng cycle. we mttgiphr thr daily brhtru by the daily
periodic rata
• Seand, for aeeh day of the previo kUlin~ iamo d~ ~ favor,
for Ptncbrsrc tpda in Thal bi np tyt by
m do not do Ibis second step i1 wa received payment id htg of tla New anlewas
on your previop bHGnp statamettt by the dsto end tbne IM tdlaaunprym
dna or R s Prtlodit Rdenta thsrgs was siraady billed w tlrMbdsnts
We cdcdNa tin ppiodit Gurnee tharpes for purchesvc subject b s proatatianal
rate tba soda way. but wa nee SM PromoOonai rsb
We calcubu puiodic I"arence charges for behdce vensiaas, bebtrca transfer
thstk~euhad+nneas,tashedvenutbecks,andovsrdnhsdvarrtes,byawid g
the duty babner Itrr aeeh d Ihoss eabpotiet by Ole degyperbdtc nu for se al
thosecatsporhs.aathdsyYoumoyhaveoverdreMadvancssoditrHyou~ iatatha
this eeeouKta a ehetkinp account vinh one d our related barrks Wa
po3edit Gaann eharpac lot bobnca uonslors, 6abrxe trsnaler ehetks, cash
Bdlnntes, add cssfimo~ n~ r ~B eC~ subject to s Pramotionai seta the ssmo way.
but sic use Ora Pro
To peltla dedybebnca lot oath dsy for Deck Category.
We lake flu beginning 6drnce for that day.
• Wa add b that bdante any dew trans, add ^ aaw~adnsq, each advance,
edps that apply b that aslogory. pm
baNtrcr Iransirr or overdreN edvases, it applicable, totbs daRybaladta as of the
uetrutvioa data, or s Istar dots of our choirs Ws add a raw crib advance check
or babaa trurder thsck to the daily babnco ss of ilea deb tln cash advents
chalk or balance trertstsr check a deposited by a Psysa, m e Ister dole of our
abate sn uedits, or txsdk edttistmonts that
• 1Ah aebtract bum that bdeace arry paym ls,
eppiyte that category and that are credibd as of that dsy
• We opt a crreGt belaner as s bdatree ol:sro
To gel iha baghrabtp bdener for with category for iha nett daY tva add rha dagy
pedodk fweaca cbergv b the dagy belanea Ii mo» then oar vs~ based on O:s
cotdd epplYto a category becstrn rha refs for Ole tatopwyt rs7ta that a ns
amouut o_ut~s overage dagy bdaace, ws vAll use the drAY p Ppl
for the avaregr dsAy brbtwe amount at rha et o! the bi!'irp tYcle b colculele the
daffy pariodie lmence eharpe etch dsy This eprptuat provides for defy
compourdidg of 6net-ee charges a wa add ag of the daily
To yb tin told periodic lmaace dnrga for the bGGnp tyti , ,
pedode Fmencr Charges tar aeeh eategary for seed dry dtrrmp illW Ut~pev~us
plus flu rlapypariodlc Rnencv charges on purchases, 8 fury spp1Y
billing cycle Hovrwer. it arty gerbille Rnonce cheroe b due, vve avpt ehargs you ,rt
least Ora takrirnds psritlt gnsrice thsrgs stated la rha Rates end Fass Tebb If it
is deesssaty b add sa sddidonal anaorrt to nosh Oia minimum Rpaticr Cherpe,wa
add that emWrd to the betmte ter purchases made during Ole btTdttp cycle
The tool Iinmce therpa on your ectount for s billing cycle w11 ba the sum nl rho
pvtiotRe Gmnca cherget plus ary Iransacdon toe loertCe ehargrs
Foraachcatoporywe talcnbb an overage degybaleacs (ncinAirrgnewvanseCtions)
tar the 6Blrip cycle by add'mg ap your daily balances et dnriiRep that amount by
Ilea mrmhu d days in rha 6116np Cycle It a periodic finance dnrga 1w purchases
made duiggOu previous bdirtg i:ycb applies, for avetaps datlybatmce !or Ihosa
purchrsrs is wlculabd rha same way t you mtdtiplY the trvarags doff y bslanee iw
a aerogerybyUutcefepory's daGypariodit reu, andd mt~p~ytla ruokbythe nwrtber
o! days b Iba bilGrtg cycle, Ito told wig equal rha periods tkl6nn thsargas ter fleet
6eleace attrirutebts -othetbgGnp tytb, axtept for m{norvsdettons due to rounding
Gnca PsrbilamdAixrud otFnedcs Cba~rp thr deteit'a eddedbyourdady bat ace
on a trartsactbd.lea, or launte thugescctwrd. However we do notcbstga periodic
wrdpeymptinhdl is received pytmr
Gdenw dnrpss on tutu pvrchssss trfAed duriMl a bi6np ryele i) the naive paymem
;;, yvt: Ns.v Balance by tba dots ant' Ada rout rniniatnm payanm is due and wo
retdvad pryewrd of your New Bdanea on your PfBVbva bOllnp ststamant by rho
dab end tiriu your psymaM we i belaoee Iransl~belat~iea aenslar efioclksseeslh
to purchases st doss cwt epP1Y
advtrttns, cash advanu chat or ovsrdnh advsntp, d spp6ctbH
TursatOp Foss for Cask Admdtss: We mry thsrgs you s cask advonce toe in
the anpa>dtstalodin the lleba end Faes Table for each of rha lollovrbtp tronsastions:
• aslt edraaea cheeks,
• cash advances
In addition, d You use a ildrd Party ssrviu to make a dutn one lranse Uort Isla a the
servite charges dte payment Ia this accouN ova mat' p
payment
These uses ~ the uansaeilon date of th tech advanesaFor a~xampls~t uansaction lea
category
for ^ cash edvenea would bs added to your cash advance a ante
Transectise Faas tar Balance 7rsastars Ws may chsrpc you a betarue uenslw toe in
the amaual ststsd'm the Rrtos and Fees Table for oath of the lolkwing tnnsaclmns:
• balenca uanstartheckr,
• betanea uanslars
These uansactlon leas era finance charges. We add the iae to the balance for the rehtod
category es of the verrsaction Bete of the balance transfer. For axamPh, a Iransactkn
iae tar a balenca venslerwould be added to yoW balance transfer balenca
OTHER FEES AND CHAflCES
er Ta6k The eta swr~eeadtlaa othebsla cstoraparthssesmadedarinpthotnRinp
eyels.
Annual Mambsnhip Fsec tt yoar account has an annual pnmbsrchtp iae, hwgl be bilk
each year or in monthtY isriaDaren e1 rye Ito a s I h wl,antblBeddThe ennwl memborsirip
not You use Your ocermnt end you g P Y
days f the dsu ws ttraB yew bBWrp sutemont urn which tiuasar"'alydambersNA f+a~
charged and otths rime Lima, you pay your outsuedmg behnce is lug Yew payment of
tfia annual mambtrrshipp lea does net affect our dght W clew Yom account w emu Woe
right to make trrrrsae0ons on Your account If your actovml is clowsoulstu~idagbsteneo
in toil end lstrainat ~yWrr eer:ounl rolslbnshiptes unlit you payyo
tale For. II we do not receive at toast the tequlred minimum P le,w maychorgethe
time it is due as shmnm oa your blUinp staromant for arty bR6np cY
tote Ise shown in the Rstss and Feas Table it the tau tea k based on o belerrce, ova
cntr.rUtu Btu ta'W iae using the Previoot Belenre at ibe torrent month's ststemem that
shows the fete iae This balertco is thr Irma ac iha Naw Brlanto shown on the prior
month`s statement lorwhich wr did not receive et last the required mirdmum payment
by the date and time it was due
DvarRmit Fee:1(ymu aecoual balenca is over Your credit fire al any Lima during a bgfng
cycle, wen it oMy for a day, ova may charge sa ovetBmh 1eo We may charye this tea
svenil yotx betanee is war tM creditlke boesuso of r tMrenee charge otiee+ve itrgrosed
or a ueasectian wr auilroritad Wa wri9 not chsrga moro than one overgarah'seventi(no
bBRrW cycts But we may charge en avrrikdt lea in subsequotd bRlinp cyc
new uensotUons are made on your account B Your aceouM balanea rigl is aver Your
arrGl fma at ray tirtm dudap the subsequem biping tydas
eras sutom~tYmic debit or tot6er ~clroyiue paymsmic rewraadivrrpa~idn, ar fcl ova must roiwbn
o payment aback because it is not signed or fennel ba proeossed.. ova may charge e
rstum peymeM tor.
Retnm Cbetk Fes: tf la1 ova stop payment °~ a cash dvan a chacY, w bofencr uansler
chock st your ragrrest st 161 we refuse to p Y
check ova meq efurga a -otrrrn cheek tea
AdmtniclrotiW Few m ar H youurequrst twoaor morancsrdstormrny spsctsl sarvicastllor
record d Yo Lards on an eXpadhed bads), ova may eharpe you for chase services
example, obtsbnng
Hpwevey ova vm~l rot charge you for eaplasmeot inul~ sassertap instius trader epp6coble
doeumards tintyvu re~urzttor a bUgng dap Ya Y
law. Wo may tharye, a arty services Gated above and Omar s,rvitos we pravtde, the
loos from tarns to time in eHdct when ova oiler iha srrvi~..
DEPAULTJCrOLlECT10N
Wa may cansidw you to be h daleuR it any of these oeeur.
• Ws do notncaiva rtlaasllhaminimum amount doe bythedar~ and time due os shown
on yoar bi{gng sutamurt
• You exceed your crodh line.
• You lad to comply wrth the terms of this agnetnsnt w erry aoresmsM vuilh one of our
rrlatad compsnias-
• Wa obtain intamabon iltot c eases us to bafeva thatyou may oe utwvdpng w ono s to
pay your debts W us at to others an Tune
• You age for banktnptey
• You breome incepscholed or In the grant of your death- .
it eve eontidrt your otcountta be in daleuh ova may doseyaur account wi-fiout notice
and requirsyouta psyyourunpeid briancs immadtatalttWe also may ngrdre gouts pay
irttaresl at the refs of curs Inreent {2%) r mrmUi on the unprid balenca when we deem
yew recount ro br six ar taste bilbtig eytke pest due.
Ta rho oxford parmittsd bylaw, ii you ere in dsfauh be'sauso You have ieRad to pay us,
you wig pay our togacilon costs, ottwnaya' tees court casts. and ail other expanses of
enlorcinp our rights under his agreement
CLDSMG YOUR ACbCUhiT tdl us [o close yew account we may
You may close ytonfumoour request k writing
require that you Y
Ws may clasp your account st any ilma or ruspsnd yoar r:rodit privRegez at enp lime for
otry reason without prior noUca except as requires by apppcrble law. li we close your
aeeautd. ova wBl rmt be RaWe to yoo~a sseansequencas resulting from closhrg Your
aeeounl or suspending your eradh p g
H you or ws rJose your oecotml, you end any auUraimd usws muri praitadietefy slop
using gout account end destroy rp cards, checks w wtrsrmarns to access your account
er:courtl etvan U tttaypa ermrde orypro seed ftwYesracc eoum iae losedaend you wig
i;,/A i26:
be regtmsd to pay the ontstrndiaq baleacs on your sccoum aceordfup is Iha Urms of
this agnemeal Ir addhiop, to iha rrxtont egowod by lard we may nquirr you !o pay the
outatetrrnaD halarres hamadistaly a at wry time a her your eccsunt h dosed
AABCiAtQ1DN AGREEEiiiiENT
PLFJISE BEAD TAtS ABREBrtFM CAREiRfLLY. R pAOVIDES TtIAT ANY RiSPUTE MAY
BE AE50gi1~BYB1NOp06ARBlTRA71DW ARBRRATIONREPlACESTHERIGHTTDGD
TO f~UBi YOU VtrRA. NOT BE ABLE TD BRING A CIJISS ACTION OR 07HEfl
REPRESENTi-TNE ACTION IN COURT SUCN AS 7HAT IN 7HE FORM OF A PRIVATE
ATTORNEY 6ENERAt ACTION, NOR tMIL YDU BE ABLE 70 BfliNti ANY CLAIM IN
ARBITRATION AS A ClrgSS ACTION OR OTHER REPRESENTATIVE ACTION. YDU WILL
MOT BE ABIETD BE PART OF ANY CIASS ACTION OB DTNFJt IUD'AESENTATIVERCTION
BflDU6HT BY ANYONE id.SE, DA BE REPRESENTED iN A GJ15S ACTION OR OTHER
REPAESENDLTIYE ACTION. iN THE ABSENCE DF THIS AABfrRATIDN AGREEMENT, YOU
INACO~ EFOAEAJUD6fE0AJIlRY,ANDIDRTOPAPRT1CiPATE~TBEREPRESENTED
R p~pryE ACIWNS OTFB:R~RI6HTIS THAT YDU YJOtHD NAVE F YDU WENT
TD A CflUliT. BIRD ~ DISCOVERY Ofl THE RIGHT TO APPEAL THE DECiSiDN MAY BE
MOAELJItH1ED E%CWfASOTN19tW15EPR0VI0ED BELOW,THDSERIGHTSAREWANED
B~~pry)paBoa.THsprbitntiwrAgrsamsatk made prtrsvsatto susasaction invdvinp
interstsu e• eml shall ba lws-tmd by and be antoresabh rmdw Ure Fadarai
• - Actldra•FAA'L9USC.51-16arhmaybremeadadThhArWuegonAgroemsnt
eels torthtlrsdr~mgsttcrs smi procsdnrss snderwhich rJriras lea defined below) may
ba rasslredTgftublU+tloa inctssd dbring gtigetad in tosrt
Patttas Cwerarl-Fettle ~wposas of thisArbhretiun Agrsapnat'w+;'us; end'ou s at~
incbdrsoerpsrsalsnbstd'ierws,etfiimess.Dcsrtsses,prsdetrruors.sstxassors, Ig
say pareMusr d yota Aecourr6 end sg.Di thek olfxero. direrftort, oyser, agents,
~{ a~ er srpr end eB of Urees AddHioaapy, "tvs ;'trs' aad'auf sbaB chrde rmy thud
puty prorTdMgbsgslds,setvkss, w produeu in eameetbn evhhtha Aetount fmtkdinp
but ~ ~~ to We~l Wrnus, mwehants shot a ecspt any endR darns issued under
the Actawf, rewuds proprtuns and eetoOmsm soivitx, uedh btsuanca essauUvss)
dabtcdecteas, sad dolthoirplBtsts, dkactors, amptayaec, epsats and rapt
i!, sad pdyi,ztreb s third party rs armed byyou es s w-detendaat h erry palTr you assert
r~ ~ u or vva may, without the other's consent elect mandatory,
Ctefres Cereaed. Either ya _
bid erhhratbrr of arty claera, use a subsidieraies eti~etss, bea~of(thriss, epon or
other; m ageinsttln empioyr t;, P ~•.
asstptt d tin otbG arising item w relrbap in• any way to rho Cerdrrromber Agreemem.
enypdorCwdanmLwAgrtwrnsn4Y°VtuodncerdActouawths adrortrsrnp,appircaGon
or apptosai d yatx Accoual C'1. Thic Arbivetion Apratraant governs aN Claims,
whtrUtu seat CLhns e~ sad oe ltwti eay~gd Ih~ory d hw cn h ads rospaondaei
taonam ~ cs~Bnll P1°~ ~nund sad wbntlnt sorb Chirac ssdc u remedies
~~olinrlagei w sgtrAebi
enell3es,irtjuaedons,otdselereeoryoregbitsbhre6adl.~dn hrelwon
>oihlsArhQhs6srrAproemealintdudoClaimsrepar~ngthsappgte4OityY Cwdmamber
A~~srtbayairdigratthssai'aeCudanmbsrAgreerasalaranyptbr a a arias
Agtntteeat ibis Arbiire$rm Apraamenl'mefudes palms that arose in the p st r ,
h tlm presaul urihe future As used in tins Arbiuatfon Agreement the lrrm Clafm a to
ba givant'bs bmadustpossibte taaaaing.
gearrs splrlaglsubitrstianhudtrde Claims that era mods es emmtwdrnrs, uota elimrs,
tldtd P+sh dehrs.Inurr~rrders ar oBrarwiss, sad s party who inhirUs a proardinp in
towt parr asset arbtlreUon with raspoet to any such pa'rms advanced in the Irwsnit by
arrypertyerpetties reamont you rslalrr lM right to pursue is a small
As as armsptiort W t)ds Atbiuailon Ap
clsias tsar[ tmYChim Ihelis vrillirr that court s juriseietion end proceeds on an Indivktuei
basis. Aa partyehcista arbrprte a Chhn, iha atbhrationwBl ba cordrdsd as en indniduoi
action.Nsflhr•t yse twr v+s agree is any erbiQessd on such basis.rThis Insane that evon~
and the edhlUa~ shag fieve no authority to pr
i s days sdeniawssdt w other rpnesentairve aciloa, sash as Utst h the Isrm of a private
apapeyldtt~ ecUrat,h iBed,say palm batwesnus releud to the issues raised in such
levvsrdls tvi bs subjett to oa ipdrvtduel rrbhraUon dshn it either you or ova so elect
Ne rrbinat3sa sriB as ~ ~ ( that m q r joined is snsn ~~ividu I ie mound°r
ctrawrtt d d ptrrtt
ilris ArbHre>foe Agnemeat rn {11 tlnse brvughl by us epaittst you attd etry eo-eppxcmt
prrgrarmher, m eathodzed near of gourd eerrcYo~p pG~a~ i~ esrdtnembeG m
bardurtpicy w al ~a brouptrl ~ ~ e airtri us
atrdmrind etw of your Aetnrae, a your bees or your truriae IQ bankruptcy g
Iaf6eGen d AtM'tatios The party filing s Cletm in rrbhrsUoa must choose ono of the
IoUowieg two arbitretioa adp111ds1tatorK Ameticen Arbllrathrt Asssdathrr; or NeUonal
ArblaefatrForrrm-These rdmbdstralrus ors independent Irom ttc The admhdsuator does
~ e Bn stltirel'ron prtrNreUrm k tondtrcted undw the roles d the sekctad
arbAndoe adodristrdot by ea impsAiai third party chosen is ateardaner vridh rho rules
pf die sdstled aririVstion adtrdrthuetm end es may ba provided M tins Arbitration
Agresprtert. Any arbivaUoa beetirg that you artend shalj be hold n a plate c:tsss:r by
the orbifrdw w atbipsoon edprer~ratar wnhh rho fedcrsl jut6tfai dnvr:t in which you
reside ai tM time tin palm is bled, or al same other pinto to vvhlth you and we spree in
writing Yoe may obtain sepias al the torrent rotes of arch of the two erbiVailon
adednisaators, yttormetion ebaM h~ab'r~uad n administtteters es toRows uctrons for
brhisteig erbluation by comactinp
pnmitartr ArbRra6ee AuaeiaBo0. 335 Madison Avamra, floor TB, New York, NY
tDDiT•3605.VYs6sfto:ww,w°d[otg•~D-771-7fgg;or yyr6 site:
NsBtma) prbibrUoa Fatten, P.D. Box 54191, Mknsapoirc, MN 554D5,
www n6ltradon-totem cam, BOW7~-237t
Prseedores sad law appflenWs is orbHreilaa. A single, nauuol ubivetor will resolve
Claftas.Tbe erbNratarvvRl ehherba elawyerwilh et irestten years axparianca w e refired
and rules oldiho arbUraBoa adpdnislrator that are is agoctoa !fie dot bihe arbhrdati°n
is fAed unless those proseduns and roles era ineonsfeterd whh this ArhWaGon
Apreemant, in which teen this Agroaman! wN prw or nteTfu arhWaver wiD apply
may limit the amount al discovery avegehto to Y
appgcatrta suhstantiva law eorrdstaM whh Ibe FAA and appDcebla statutes of
(imitations, and ewrd be nr raseMmad by cD~unsels'fhe arbitrsrW Il~tate r ssonebk
Nava a barring P
steps to protect customer Aeeoum informatfon Wad other congdsatie! idorma on,
including the use of proteel',r us. The a b rarbokr wi hew the P°war to aw~ird to ~
ii requested to do eo bYYaU
party any damages or Whet r~ei provided la under eppficrbfe few rson who is
hour tln powrr to award reGot la, age'mst or for the benefd vi arty Pe
not s party to the proeasdmp tf the few aulhorizas such relict, the erbivstor may
award poniwo damages or enotney teas Tha erbhntor vriN mekv arty award in
writing bat need not ca eduase~sl0~hretarrwDl P ~ aasbriel stalsa~aM °I t~
Upon a request by Y
reasons for the award. v to the
CDSle.VOa wID raiatbursa you for the initial erbivetivD idinp lee paid byyou p
amourd of S50D leas o(the ~°~~reear and arbllr dva ekdatiaat nlor for the first two
vw wry pay Y
days o1 that boating The payment of arty each hearing toes by us wDl be ma a
direedy to Ute erbhreUon edmirdstrator selected by you m us pursueni to this
ArbhreUon Agreement AU ahar freewill ba aibestad b keeping wiUr iha ruins of
the arbitration adminisuatnr end appDcDWa !aw Hovrewr, we wdl advance Dr
determines tite~e is good reasora for requhing usntDVdo sow youtr s k nsrond wa
dotormina there is pond canes fat doing s° Each potty wiD beer the expanse of the
teas and costs Di that party's alwrnaysreve I rt to arbitrelian end say appad los
expensse, rogordless o[ wiueh paAy p, ao a Ikebla taw in
permitled batowb oxeopt first the arbnntor shag oppfy Y PP
detanaininp whether a party should recover arty or eU foes and costs Irnm mother
Party.
Enforcomsnt finality, appoafc Failure or any delay 3 aegshrn~c vriQna ~oasiiwto
Apraemrmt ei any time, Orin cannecGon with rnypanktd
a waiver of arty r1gMe to rsgdn arbiuetiaa at a later time w is eannaelion with any
other Gishns Any dacirion rendered in such arhhration procnding w111 be fmal and.
binding ontha pettier, unless a perry apperta ManNiap w>ha ubiuation orpamwdan
wdthitt 30 days o1 h;sueneo of the award The sppeal„araa r~erq hs ~~ a~bination
boiore a penal vi two neutral erhiuelors desig
organlraUoa Tha p!n;la+~toead 9 usinD s siege erbilalo4~ d ~ ~ d Fiona
soma Mes that aPP
based on the vole o,tha majority Eachncwor~aaYoraaUlees,zastsandoxpenses
expanses forarry appeal but a parry may
from another patty, it the me~rit-' of the Penal of arbitrators, aPPtYa9 a(tpl[cabfs
few, se determines An trwa in srbhro4on wDl ba miorcaabte as provided by the
FAA or aUar appGcshlo low by any court having jurhdlction
SewrabiUq, survival. This ArbiUetion ADreatwnt aheR sarviva: Gi tarminatlvn or
changes in the CardmamberApreemeattiro Accoum end the nbdonship betwam
you and vs concerning the Account rack as the issuing d o new account Wombat
or the trensfr ning ~oaaoYsl~e~pto ea~pta~htrtladbl~ymefioranyourbeholt;
bankruptcy
and (lirl peYment of tits debt in lull by yon or b- a third parts' U any pwtian v) this
Arbitration Apraemenl 1s deemed invalid of unenforeeabie, the romelninp poAlans
shaft navanhaless remain in force
CHANGES TD THfS AGRi'EMEN7
We cenefange this agreement et anytime, regard} ~ss olrwt+rbtronr Dur fight to,add,
t° your acconrd, by add'mg, deleting, or modifying rrN P
delete, ar mvdgy provisbns includes Rnenciei tarns, verb es the APRs end lens,
and ether Utms such ss the nature, aslant, and erdorcamant of the rights and
obfipations Y°U ar we meyheve robCmgto this agreement Modifications, additions,
yr deletions era eegad'Chanpee yr e'Change'
Wa vvW nvtllY you of any Cheops it required by appgcable low Thasa Changes may
he olfosliVe with natits ordy, st the time sbted in our nob~ce' en a' 1o dihe unpaid
appireable law Unless tva stela otharvvisa, erry Chsrtga PP Y
bnlencoe an ywr account and to new Iransyeations
ha onsciqu~nn es if you do D~do not xaracisa lbosve 9rh>spF r exampieh hspnodcr
may stale that you may rrotily uc In writing by s spaciRad daU U you do real want to
accept caAnin Changes wa era making II you notDy us b wrhinp that yon d° not
eceeptthe Chanpea, your account maybe closed IR hk not already elosedl end you
will ba obligated tD ptryYoW cutshnding balance carder !fie applicable !arms of iha
apresmant If you do real reality us in wrung bytha data stated in the nollte. or it you
Wordy us but then use your account ahar tea iota steted'm the rwtite you vviU be
u.,t...xr: to accept ell Changes kr 1`•s ncl:ca and tD accept and confirm ap tsar.; c:
your ngreemaM and all Changes in prror notices we have cant you regardless d
whether you have access Io your account
CREIIR WFDRMATiDN
We may periodiesgy review your credit history by ofrisining inlormetioa Irnm credit
btuoeus and others
We may report iniotmetion about you end your stroked to credit bunaes.including
yam laduta tv pay us on time. U you rsquen rddhlonal cards on your accauhl tar
ethers, we may report accoum information in your same es wall as in the names of
those other aeapla
It yae think vn have -sportad faaccurata information to a credit bureau, you may
wrho to tra at dre Cetdma~ddarra== aceoun ~numberu, t lephane n~~mba~ end a brief
Please ptel°d° ym~ reamer acne provide a co d Ura credit bureau
dascri~Oe o! tlto problaas U awiUsblu, pl PY
report a quostbn We "dlt prampUy iovastigete the matter end, it our imresUgation
shows That Yra era right wa wfB CO°t°ct each crsdd bureau In which wo reported
tMhdorara6wead ragtasltheycorre~ttheraportllvvedisagreewilhyouehar
our iayesfipeUe0. vw rvr'M IeD Yeti is wridnD or by idophono We wDl also notRy lha
trade bmesu that yet d'tspnle the fifotmatiat unless you let us know that You no
longer dkpuu the lafwmatioa
NDTICESJgtAiiGE DFPEIISDNALiNFDRMATIDN
Wowllsagdwds, stetamoatssndothernadcestoyonaidteeddressshown
in our Iilaa. D4U rids is a fret eccouat wa can send bUlinp stetamants sad notices
to erryjoinl aeeotlalhddot: Notka to one ul you wiU be considered notice to eU of
Yen and sA ad yon wAi ranch obfi~tad on Iha secaxrt
If you rbeapa Yenu name, address, of hamo, ceRulor ar busirtass tdapfiona number
or ataoA address (U a eir~et to reeeira bRlinp statements or arbor notices vniinel,
you caret aoUfY ns hmasdiNSh' b ~~apl ~~^g address tour actlo i Irnm the
steument-Vlfe tel: d oaf ef+tian.
Utdted States Ponta) Service Wo may contact you about your eeeouat includ'mp
for etutwlrar service m eeNactiorr, at any addross or telephone mmrber es weR es
any cetbfu tof.phoae nnrnhsr Yon provide us.
TELEPNDNE MAONPJDRUd6 AND RECDRDtNG
We, erplU appfsahb, ouragaats, maYGrian to rend record your lelephona ells with
us. Yon agree that toe, and it apDRcaWe. our apems, may do sa, whether you or wo
indiate tike utephruta caw
INFDRMKiIDN SHARiN6
You aaUroriza trs Iv alma cenabr fntormalion ebDUtyou and your eccounlwithin our
femDy o! companies. sad veldt others outside ourfemrTy of companies iecPodinp any
compenYor nrpaaizotionwhosa name Dr mark may appear on fix cards, as ponrrittod
by kw our P*ncy Po6ct: rAe.h is pru:idid u' yet tvhan you Grst rec!ivs en
agrarmard cad atkactonce oath cnlanderyesrthereetta ,dascdbes oarysius about
shsrap pnetkas sad the shol°rs you hove and dbsetions you may pi
ow tfatiag of mformetf°° about You and year account with companies or
vrgenitetions vrtthia cad oulstde of cur Iami1Y of componLs
iLIINDIS CAApMEMgERS
Ilgads Gw pttrvl irmts awside of Dur lam h of acompnniss valets youtnuthor e~tho
of Dthat orpatita
d'tsebsrrre ar teaiass the discbstne togs under another exception b the law (such
as sharfug igbrraatlm to preteen yaw lrenssctims or in sasportss tv a sobpaeaai.
Yon fanhY egrasthatUyou chaosa noun axerdso the appUnbis opi outdesedbad
in oar Privacy P~jr,You vrwl bo deemed Io have euthorizod us to shah parsonel
ialormaBon vaheros eboalyou rndnding inlorataliDn totaled to erryal the products
at setvica ymr may have with arty of out companies} with companles ar ether
orpealzefinttsr>trtdde o1our lamely of sompenies -
ENFDACWG THiS AGItEENiHJT
VYo sere ddeyatftrrsing or real enforce arty of our riglds undartha epresmantwitlrout
losing our rigid to anbrca thorn in ihr ltrttue- II arty of the !arms oI this agreement
are bead lb ire treartbrceahlo, aU niher terms wDI remeia in fuR (area
ASSIGNMENT
We may essipa your account, any enaurds you owe as, or any of our rights and
abGgrdoas radar tide egraemontto r }hod peAy Tha person 1a whom wo make the
assigntootdvw7 be entitled to enY of our rights that wa assign to that parson
GpYERNIN6tAW
THET~ISANDENFORCEh'iENT OFTHISAGAEEMFN'f AND YDUR AlxOUNT SHALL
DE GDVEPJ~F-D~.kD INTEP.PAsTEC IN A~CDADf`:!.E :Y:TI l i'EDC-RAL Lt'A';u.S,TD
THE EKiENi STATE IAW APPLIES, TttE lAW Df DEiAWAAE, WCfHDUT REGARD
TD CDI~.iC1:OF-lAW PRINCIPLES' THE LAW DF DELAWAiIE, WHERE WE AND
YDURACCDUNTAItELDCATED, yYlLLAPPLY ND MATTER iNifERE YDU LIVEDRUSE
THEACCDllNC
FDR 1NWi1~10N
Plersa uU da Cattbaambar 5arvlcD tolephona mrmbar on your cord or blllinp
stntemant8 Yon lave opY questions about your account or this apraertmnt
YOUR f31ilJA6 fRfCHTS
KarpThis N°Dce fret Wtuta Uso
This retire cnudahrs irr~Dttent information abou! Your itghls and our responsib0h3os
ender ibe f~ak Credit 836n9 Act
Notify Us iw Cosa LN Errors Dr Dneztions Aboe1 Your BIII
II You tbbdtyatrr bN b wrong, o- it you nand non iniannetion about a Uansection
on yambig,wrRe us tm o separate sheet at Ua Cardnrembar Service address shown
on goer ltrTiap statement Wree to us as soon as possbh Wa must hear Irnm you
no bier then W days ahar we sent ymu.the first bfg nn which the anon or problem
, pptt:r, j ~~~ ~,n ak~Dr;. u. b:4 Jong se cad' not pr aser vtr your riyhis
In your tetle4 give us the (oDovring information:
• Your Haan sad srxwat number
• Thedoflet-eurotmtolthesuspectedarror
• Dsscfiro Ua trttorend explah4 d You care, whyyou bolEave there is nn error tl you
Woad more ialwmetion, desedbe the Isom you ors not sore shout
Ityou haw aeahwhednsto payyour eraddesrd hgl eutamatieaRy from your savings
or clacking auourd you can stop the peymard on retry amount you think is wrong
To smp da QaymeMyaw latter mast roach us e< }east three business days hdoro
rho sutomeirc paYmaMis scheduled to otwr.
Your RiDhis Aa! pat AnporoibiUGaa Aher Wa geceive Yaur Wrinea Notice
~a gs a ni t:
Wa must ackrwwledge your !otter within J0 deys, unless we have corractrd the ercor by
than tNnhin 90 deys. we must either correct the error w explain why wa befeve the blq
was cortecl
AHar we receive your tenet, we cannel W fo eogott erry emouM You quasl'toA, or ropoR
you as degngtrant We ten conGnve to hip you lot the amoual yea question, including
finance cherpes, end we son apply eny unpaid amount egatnst Yaer cradAA ~aerrusGq
not have to pby eny quecdonad erneunl wh8a we era invastipsting, but yea
obfigsted to pey the pore of your bAi that era not in queslFon
liwailndthatwamadearuistakeonyaurbgl,youwignothaveropaysnyibwhavo orpas
f lance sharges~end you wql fiave tlo mak~p eaY missod peymanu oA~tiu questioned
amount in either toss, vnvnq send you a stalemrnt of Iha rmount yeD ours and the deu
that it is due es da6Aquant
If you tad to pay Iha amount that we titiAk you owe, wa may raporiYotr
However, it our exptanedon doD~~ must~N anyone w r pDtt yon lkofitnhelY~ hsvama
us that you stgl raluse ~ Pa we must teq you the name of anyonr we reported you to
question about your bid And, u to that thD manor hoe been aatdsd betwieaa us when
We roust taM enyana we rayon yo
it tinagy Fs
ti we don't logow these rules, we can't collect the ('trot S50 ~ ai the quastloAed amount,
OV6A it yoW bra wax CDRDCL
Spacial Rules ter Cradh Card Purcbesoc
It you have a problem with the qusfuy of property or services that you prathased with e
crodrt card, and you have triad in pond le'M to correct the protdaar wilt tfu mercham.
you mayy have the right nottD pey the ramefninp amount due ao the propartYa services.
lids rlpht does not apply fD check vonsactians 1Tere are two Gmhafions t~rcirome side,
(e} You must have mode the purchase In your home riata a4 N not wilhiA yo
within 100 ragas o1 Your outran! msiGnp eddrosc end
ibE'ihe purchase price nutstheve been more then S50~.
advsrdrs~emen~t io tlthe propenyrior service; aporete the merchant, or ilwa owiledyou the
Copyright OZO~ JPMorgen Chase & Co Aq dphls reserved
7ago: r.::
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.
,y,,
~
t~ N
~ ~C (~ ~- _
-_
~ ~ ~ s' :
~ - ~ rn~
/
V 1 ~ i. r i `!`t f~~w
•~` ~
~ ~
f
+
r`'") ,,~
,'~
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
TAMMY L MALLIOS
Defendants
No. 07-4704 CIVIL TERM
PRAECIPE TO REINSTATE COMPLAINT
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
Matthew D Urban, Esquire
PA I.D. #90963
WELTMAN, WEINBERG & REIS, CO., L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#06077442
1.
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No. 07-4704 CIVIL TERM
TAMMY L MALL•IOS
Defendants
PRAECIPE TO REINSTATE COMPLAINT
Kindly reinstate the Complaint in the above captioned matter.
WELTMAN, WEINBERG & REIS CO., L.P.A.
--~_
By:
Matthew D Urban, Esquire
PA I.D. #90963
WELTMAN, WEINBERG & REIS CO., L.P.A.
2718 Koppers Building
436 .Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR #06077442
°~ wQi
"V ~ ~
~ .... i~7
~ v`~ .-~
C"+ J
~ ~'S t ~.: t.:. ' ...Q „~
~ ~
'` ~ -,C
SHERIFF'S RETURN - REGULAR
CASE N0: 2007-04704 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CHASE BANK USA NA
VS
MALLIOS TAMMY L
MICHELLE GUTSHALL
Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
MALLIOS TAMMY L
was served upon
the
DEFENDANT at 2125:00 HOURS, on the 22nd day of July 2008
at 3967 BROOKRIDGE DRIE
MECHANICSBURG, PA 17050
MARY MORAN, ADULT IN CHARGE
by handing to
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing 18.00
Service 13.00
Affidavit .00
Surcharge 10.00
.00
7/.~Y~D ~ ~. 41.0 0
Sworn and Subscibed to
before me this
day
So Answers:
R. Thomas Kline
07/23/2008
WELTMAN WEINBERG REIS
_-
y .-
B
Gf
Deputy Sheriff
of A.D.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
TAMMY L MALLIOS
Defendant
No. 07-4704-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#06077442
Judgment Amount $ 19599.87
THIS LAW FIRM IS ATTEMPTING TO COLLECT THIS DEBT FOR ITS CLIENT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No. 07-4704-CIVIL TERM
Kindly enter Judgment against the Defendant, TAMMY L MALLIOS above named, in the default of an
Answer, in the amount of $19599.87 computed as follows:
Amount claimed in Complaint
Less payments received
Interest from July 16, 2007 to September 10, 2008 $1383.85
at the legal interest rate of 6% per annum
TAMMY L MALLIOS
Defendant
TO THE PROTHONOTARY:
PRAECIPE FOR DEFAULT JUDGMENT
Attorney's fees
$2080.40
TOTAL
$19996.02
$300.00
$19599.87
I hereby certify that appropriate Notices of Default, as attached have been mailed in accordance with PA
R.C.P. 237.1 on the dates indicated on the Notices.
WELTMAN, WEINBERG & REIS CO., L.P.A.
~~
By:
William T Molc squire
PA LD.#47437
Weltman, Weinberg & Reis Co., L.P.A.
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(41.2)434-7955
WWR#06077442
Plaintiffls address is:
c/o Weltman, Weinberg & Reis Co., L.P.A., 1400 Koppers Building, 436 7'~ Avenue, Pittsburgh, PA 15219
And that the last known address of the Defendant is: 1705 PEYTON RANDOLPH COURT, NEW CUMBERLAND, PA 17070
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
TAMMY L MALLIOS
Defendant(s)
IMPORTANT NOTICE
TO: TAMMY L MALLIOS
1705 PEYTON RANDOLPH CT
NEW CUMBERLAND,PA 17070
Date of Notice: Q~3j~glo~
WWR#: 06077442
Case # ~~' _ L' ~ ~~ ~ ~~~t ri`~'7~wi
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE TN 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) 249-3].66
PATRICK THOMAS WOODMAN
PA I.D. #34507
WELTMAN, WEINBERG & REIS CO., L.P.A.
1400 KOPPERS BLDG, 436 7TH AVE.
vTmmeurTUr_u vn i ~ ~ i g
IN THE COMMON PLEAS COURT OF CUMBERLAND COUNTY, PENNSYLVANIA
C1Vll DIVISION
CHASE BANK USA, N.A.
Case no: 07-4704-CIVIL TERM
Plaintiff
vs.
TAMMY L MALLIOS
Defendant
NON-MII,TTARY 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' Givil 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, TAMMY L
MALLIOS 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, TAMMY L MALLIOS is not in the military service.
Further Affiant sayeth naught.
(~
AFFIANT
JD SUBSCRIBED in my presence this ~ day
COMMONWEALTH OF PENNSYLVANIA
Nptarral Sea'
Heidi J. Kelly, Natary Public
[, City Of Pittsburgh. Allegheny Coturty
My Comm'isswn Expires Nav. 4, 2009
~ Member, Pennsylvania Association of Notaries
This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be
used for that purpose.
~U
0~
Request for Military Status
Department of Defense Manpower Data Center
Military Status Report
Pursuant to the Servicemembers Civil Relief Act
Page 1 of 2
SEP-16-2008 12:51:42
*~C Last Name FirstlMiddle Begin Date Active Duty Status Service/Agency
MALLIOS TAMMY 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: httn•//www defenselink mil/faq/pis/PC09SLDR.html
WARNING: This certificate was provided based on a name .and Social Security number (SSN) provided
https://www.dmdc.osd.millscra/owa/scra.prc_Select 9/16/2008
`Request for Military Status
Page 2 of 2
by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided.
Report ID: BLSTODJBTQY
https://www.dmdc.osd.millscra/owa/scra.prc_Select 9/16/2008
C~1
C`
c,
~~ (.,y
~ * ~
~ ~ `-.
Oo 7r'~
c d
c~-~ -t1
cal
~~
LJ ~!
__~ t
~ i1
~"
,~
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No. 07-4704-CIVIL TERM
TAMMY L MALLIOS
Defendant
NOTICE OF Ji1DGMENT OR ORDER
TO: ( )Plaintiff
(xx) Defendant
( )Garnishee
You are hereby notified that the following
Order or Jud. gment was entered against you
on -~°~ --
(xx) Assumpsit Judgment in the amount
of $19599.87 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
(xx) Default
( ) Verdict
( ) Arbitration
Award
Prothonotary
By: 5~
PRO ONOTARY (OR DEPUTY' ~K$
TAMMY L MALLIOS
1705 PEYTON 1ZANDOLPFI COURT
NEW CUMBERLAND, PA 1.7070
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
t~~ ?H~ 'C33A~`!
2a~o r~A~ -2 AM 1I: 22
PF,NrtiSYLV;~,N'~+
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
TAMMY MALLIOS
Defendant
No. 07-4704
PRAECIPE FOR SATISFACTION OF
JUDGMENT
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#6077442
~S.oo~i~-~
e ~ysa7vy7
..
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No. 07-4704
TAMMY MALLIOS
Defendant
PRAECIPE FOR SATISFACTION OF JUDGMENT
At the request of the undersigned attorneys for the Plaintiff, you are directed to satisfy the above-captioned
Judgment.
WELTMAN, WEINBERG &REIS CO., L.P.A.
By:
James C. Wa brodt
PA I . D #425
WELTMAN EINBERG &REIS CO., L.P.A.
1400 Kop r Building
436 Seve t Avenue
Pittsburg A 15219
(412) 43 - 955
WWR #6077442
Sworn to and subscribed
before me this,~7
day of February, 10
NOTARY PUBLIC CUNislli.r"~ dF~ALTH OF PENNSYLVANIA
I~. _ f~otarialSeaE
.,t~~ !a t:;. 3e''~n, Ncta~r Public
Crtv ~ ";r, ~, , ~,'Nea7~~r y County
( r .~i~'