HomeMy WebLinkAbout07-4825i.~
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A. //~~ T-
Plaintiff No: ~~- 1fga5 l~~vi~ tel'M
vs.
COMPLAINT IN CIVIL ACTION
RICHIE L RICE
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
06104022 C J Pit SJS
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
RICHIE L RICE
Defendant
C i v i l Action No D ~~ ~/p-7J L.-ccx( T~-
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:
RICHIE L RICE
434 S FAYETTE ST
SHIPPENSBURG, PA 17257
3. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number 4266812133179464 .
4. Defendant made use of said credit card and has a current balance
due of $7237.25 .
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 $1000.00
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 RICHIE L RICE INDIVIDUALLY in the amount of
$7237.25 with continuing finance charges thereon at the rate of 6.000
per annum from August 06, 2007 plus costs.
06104022 C J Pit SJS
James C
WELT
436 S
Pitts u
(412) 4
FAX: 41
armbrodt,42524
EINBERG & REIS CO., L.P.A.
h Avenue, Suite 2718
PA 15219
-7955
338-7130
This law firm is a debt collector attem~tia~ig to collect this debt for
our client and any information obtained 11 be used for that purpose.
Page 1 of 2
Statement ror atxount number: azeB 8121 9517 fl484
New Barnc. Payment Due Dab Pant Due Amount MYAmum Payment CHASE O
57,297.26 06127A)7 51.375.00 51,617.00
Amount Enclosed LWa your elrck ppryryateN to Chow Card Services.
S New semeee a •me17 Ain on rick.
426681213317946400151700007237250000003
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494 S FAYETTE 3T
SF9PPENSBURG PA 17257.1759 CARDME#ABER SERVICE
PO BOX 16155
InrllirrrlrrLLlrLlrrrlrrrlllrrrLrllJrLrrrllrrlydrr,Ill WILMINDTON DE 19886.6169
1:5000 i60 281: 20 i 2 i33 L7946451•
OPer,kgrCbekq Date 06!03/07 -06102/07 CUSTOMER SERVICE
CHAS E Q ~;~
~ ° ~;; ~ In ~ 3 ,-900.94~2~
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Eap.rwl ,-888.446.9908
rDD ,-800.966.6080
PaY by Ptrora 1.800.436-7968
CuWds U.3. cal cnlerl
VISA ACCOUNT SUMMARY Account Number: 426881219917 D164 t-~~•~
Prevbue Balance 57,237.25 Total Credk Lkre ~ 000 ACCOUNT WOUIRIES
P.O. Box 16288
New Balarxe ,297.26 Avalebb Credit 5762
DE 19850.6298
~•~~
Cash Aaceea lira .
51.800
Avellabb br Cash $0 PAYMENT ADDRESS
P.O. Scot 16159
WAmirgbn, DE 19886-6169
VISIT US AT:
www.cheee.oan/crediberde
It's rat too kte b raedve lre outsterMk,g balance on your credit card acoorxrt. We lave e
varby d psymenl op0one tlat may W right for you. Cal 1 dB8.792-7647 (co6eot
-502.694.8200)today.
FINANCE CHARGES
Finance Charge
Daly Perbda Rub Correap. Average Dolly Due To Trerlwclorr Acamulated FMANCE
Category 31 days h cyda APR Balance PeritotOc Role Fee Fin Charpe CHAROEB
Purchawa .001100°,6 0.00% 5208.88 50.00 50.00 50.00 50.00
Cash advances .00000% 0.00% 50.18 SO.OD $0.00 50.00 SO.OD
CarneNerae dick .0000096 0.00% 57,09021 $O.OD 50.00 50.00 50.00
ToW faance charges $0.00
ERactiva Armual Paroanfage Rab (APRs 0.00% r~
r r
~
Please eee Inbmatlon About Vour Aaooum aectlon for balance oomputatlon metl,od, greq period, end other ImporWrt hbmtetlon. ~
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The Careaporrdirg APR ie Ma rub d Interest You WY when you terry a belerws on any Irensectlon calepory. .
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Thu EMet:tlve APR repreeente your bW fxrsrrce charges - 4ak+®ng transeetlon few
ouch ss cash advance and balance traralsr law - expressed es a penxnhga.
This Statement is a Facsimile -Not an original
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Page 2 of 2
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irlesee provide trfonne0on bebw Dory N Nw eddreee Inbrrrrlton on from k hroorrect.
street Address:
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knrmaWa MaN Tow ikcwN date they ue Pwttd b your acuun4 or tlu kat dry of tM bNtp cycle. TMs
taN r pNee GNs: Plere sport par IoN or aeon wd immediatdy by 0nr w tlW day't Nty baWU. A tndl haluta k trwled w a baWns of
alkng tlw Cwtamu Service nlaabu Iand on Uu hom N par aWemwl. zoo. II a drly Mdodb Ne aOWke b ary Iwtun, w mdDpy Nw dly
Adviwn are ahtwys tnNabk b atakt pu. You nn rwM N Adnaa Dy Blanca DY tlu Mpy Prdodk me b Dl par perbtlk firerra duryr for
Dreelrp 0 afro pu emu pa taoW mmbu. tht My. We tlwn tOd Ihew pabdk tlrwta dwrpet b you dry balance
CnIWp NPayraean: For prymenn by regunr US. mN, eeMllart to pN lM bepnnlnp Blanca for tlw nrtdry. Ofmon tlun aw 4Ny prbdk
par mbmum prymem dw b our govt office br drgnued for paymenn Na coed aDDIY Wwd on tM Nwtp fitly W Ww:e, we Wf we ttr dYy
Mown on die smwnem. Your paymarda by matl mwt comply wtlh tlw Deno6e nN Ihat apptlw For tlw avenge daly hlanee amoum N tlw end of
iretrueUore on flit awtwnnt, and mr« M made by deck a morey orda, Ne blNnp cycle b takunk Nu dly pdoelt flrena dwrp wdt dry.)
WYE b U.S. Dolan, and down on u pryede 0rouph a U.S. tiwrcnl To get you tool pedo& firwrca dwrp br s firing qde wMn a defy
iretNutlw or tln U.S. bmdt et a IoNpn Nunckl Wtlutlon. Do not send Ferber nnp),DOte, w add an NtM dYly pedode Itrarwa dtupr rorsA
nM. Wdw par account numwr on you dwck or moray orGr. Paymwds trrorr. To bnrmkw an awnp wNy bNance, w add your dly baWraa
muN M aaanpareed by tM tmymant rorgon b tlw emWap Drot4ded wiM aM 6veM by tM mnDer N the wys b 1M applicable ORInP mtMsl• Il ryes
ow addrew vDlbk through 1M enwbpa window, Nn envelope amot mdllpy tM average dly bdsrrca br wM IeaDw by Nw applMxbk dly
contain moo tlrsn ore paymun a uupon; aN tlwre can be rb uaplr, Pwbdk nn, and tltn mull4lY Bath N tlwe rwNn by Pre nmbu of drys
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paymem n b eaomrru wltlt oa paymud Nrtnrdlorts an0 la made rod wll sko e0W tlw peda0e Nrorwe dwrpa fpr tM Dung qde, 01up1
waAWle ro w an any dry exnW Deambu 25 by tA0 pm. lonl tlme N IormkxfrvMatlwe dwb rountlkp. To ptpubtl padodcNwtce dnrp
oa poor oRke Dr delprWadfapaymema on tlia stmemwd,wwlll ertlp rot a btNp rycb who a momHy pdOle NMN tppNw, mNtlply tlw
the paymadb paaeoountwNtMtdy. Ilpur peymentkhaaordenu awnp Nnywkreelar wdr kabn by tM apptubk mwtliy petiole rat[
wm wr orymurt ttMtrdbna, DN k made aveYeWe b w alnr t:DO Dm. ~ sae ~ reeeab bgetlue the tool will e01N tM pwodk Rurbe durpr
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M denyed br up b 5 days. Paymems maM ekaronlWly through oa You dal balrbe untll
+utansnd Ukpltorw wNu, Cusnmu StrWC, adNwn, a wr waD f4 ntehwd on You aaoum Nowwu, w do not rdnrp pedadro finance
wN w,Whct ro +m ProcaMp 1Nnr ltdoaM for tlase papruaa dnrpw on rew Pumllru 6Rad durkp t 6NInp cYde tl w reNv, both
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imamatbn tbout Ndd U GeNN Nmac Wa mry report tlme pu pymen n five and ono paymem N you New BWna on pa
par teuum b credo burrow. lW ptymuro, niteM Drwbw ahNmatt by tlw mn and tlme par wymem row da Then n ro
peymwn or otMr tlekuln on pu tcuurt mry b rMetded h pu aelt prtee pedod br baWta tnnden, uM advances. dude truwad'wre, or
report If pu Ihinl w fteve reported ktaund Imomutlon to a Cron owmnlt adwreea.
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Nis sMersN, Yes wN wt lever pedadb tkrertcs drrpr on uI
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pu Drwideadwek as Ranakerp Blanca Nrt appssn In tlul sedbntlpapry dot baknceklutl
payment yop sutlrodte w lthw b caw kdormadw from your dwdc b uuke by tlw applicable Expintlon DNa To avdd tltraree chugs on new
a owiNee ledraie fad tmehr hom par aaoun or ro procrw tlw Purdww what par Haw Blade trzWte any Remahthp Blanca(s) N
prymenl r a Mad trareacflon. WMn w caw tiowatlon hen you dwdl tlw ONiytp PromotlaN Flrondnp ,eeDon, pry you IuA New BNrue
ro make n larodc lad trrwla, frnda my M wltldrawer ham pw mines the tWl of tlrwa RenNdrp s) Dry he file rod tlme your
acaunt u sow as tlw wma dry w reaM yow Wtmen, and ryes wA not paYmen Ix five. Fbwavet II par sntunem chow tlul a minmun paymwt
realve pa MerY Wrk from you firrrdel twtltutlon. GI M cw[omu n due, w must reelva N Iwat tlut mhimum paymem by to dNe and tlme
wMca mmMr on tltis antartam H pu law Oue,Doro abod leetratlt ,pedtkd on your sntanud, wen It ywr New Btnna eonakO Dory 01
dwtk cdktkar or ao ref wM You prymude uNecW ekchaicly. Ouaky4np Promotlanl FNWbiq DWrer.
CwdlNeeN P.ymaan: Ay psymem duck or odor form of prymua tlnl Nov, rot name OuaWylnp PranaNOml FNrdnp btkncat, pdodD Nrltrtce
pu,wd w for lea Ihn the fdl banrtu five tl« is mane0'pad in lull or Herpes eccrw dump tM promatlarol pried bd ue nN tdded b par
untNre a aknWr secedes, w tlW you otlurMU nrrdw k IW wlkkttlm rotates ballw. Ironed, thry acamNtu from Dltlhp qde b blknp qde.
N a dnpmw amoutL muu W sun b Grd Setvkr, P.O. Bar 15049, Thq Is Nand lob 'Gfurod Inkrwt' n a 0elare0 ildenN Owfdykp
WNminpton, DE 19850-5046. yYa reterw cep our dplw reperogp dose ProraotbnN flnrlctlp DWnte M not Dld Mt IW Dry tln tOWlaOk Etrplntlon
psymwn N-0., N N k detemired theta k w tNk ditpwe a if uy such Dag, Nu deMnO 4wrbe dttrpw wltl be eddtl b ywraaoutt w coon a
dredc n nnind tl wy other addrm, w mry accept na Mad aN ryes tM fim dry aher M Exptatlan pan, Furtlw, N pu ddtdt under the wrma
wIN st11 owe any remalNrp blanu). We may rMwa b atetp[ wry s Wt N par Cudnembu 1lprewuN, tlw dlemd flnube dwrpw wR be added
papem by nWNrq n n you, tat calip It a dwtroytp N N oNu b tour axotaN a aeon w the dab N deflNL
paymen6 tlrtyou make lroddMwnbNUapprdpdtN ptymtn t0ana. tN11N6 RIOITf NUMNRRY
AaauN Rawest Nike: N your atuad has n erapml Iw, N wN M bRed N Cwe M Fires w OaeAsw NtM Yor Gk M pu tlitrk your bltl u
cath ywr a k mantNy tWNtnentt, Mwtlwr or ref yes caw your atuad, wrap. orlf pu treed moo Inlolmedon about a truwactlan on par Wt, wme
and you saw ro Dry it when bNetl. TM amid fw k rbn•reludabk airs Gr6nwnbu Sella on t teparak aheN N P.O. Box 15299 WlhnNpbn, DE
rpisumtltly aver gipmrN on vMch Nr tmwl w b do 30 Oy, N IM fits 1 B050d2gg ae soon at poalbk. lW muu hrr from pu w Wu Dun BO
6me, Yopu pry Your whWd'urp bakna n IW. You p~ rat N tM am~umel ~ aRw w and you tlw NN NI on wAich 0w error a problun appwred.
IN does rel aNed Ou dpMS b does par acaunl and b tmfl par dpM to You an tdephone w, bN ddrp w wN ref groove pw ddw.
mate trwwadiwt w you aaoum II par auoiarl n doead by you a w, In pu Ntlac give w the Nbrdnp Imormttbn.
w NR umttw t0 ehtrp five uNNl,l fro amt you pry par ouNwtdnp • Your reme tad aeeolan nunbr
wnnq in lot and telmiron pursccaan rektlorohb. • TM dwu amours o1IM auapend error
Eapneatiee N flwwa tarps: Wa aklan psrbdlc Irtrwe Msrpr, •Dexdbe tlr enoraN e>mWn, if porn, very ypu blleve tlure fa an error.
wire tlw apptlubk perbdit nW Mown on tlis sntenwL ,epuWy br If yes reN moo InlormMan, ducr6e tlw Nam you era anon about
wdr Iwun (e.p., balrw tmskrhawenuwe dude sN wh aMane, You Oo rot hew to pry try amolaM D OueMon wDNe w ue bvrOpMYrp,
dfedn Cehsek trarwotlon~, DuNwr, blots trarelen, enh adwncr, Du pu an atltl o0tlpkd b pry tln Dtn, N pu DN tlrt to not N
Dromwarol bluwr a owrdnn advances). These tluntloro may 0uwtbn WMt w imwstlgep you Quwtlan, w eaxbt report yes as
umbine d0bren atepories wNh tlw awes dly pedodk rata If hen p a defrtpunt or take actlan b cdkct tlw amoud you tPrestion. If you hwe
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inch and merpb used ro wnrmkw tlW ram cell ks cerrespardrp MR are duyryp aDCOmA ~ Ch ~ tlN OtY~n w cry amount pu tNm k
deserbtl k you GnmemMr Apwnud, es ameNM. These k a rat0. To atop tM payment your ItMr u nl Itntp tln Grdmernbu
firenu ~ race Burp k ay bNlnp qda D wNM pu ow ary patlole SMNa a0drees or tNpDOnt nunbu Nawn w Nn gattmtrN) mtrN retch
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tech adrarw, or Mwk tmesedon, h tlw amormn sand In par n oauc
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To qN fire dly balrKe br each dry N tlw artaN dlintl epN, w nb the Yw hew a Drobnm wrot the
beptmgp Benno to esM ketun, alb try rtewtlaroactloro oroOnr Oabb ouaNy of pooh orauMm lhtpupuNwedwMacrwn nnf«dudmP
(iridulnp ten, urpld firenca Burps cad otl« ctrrps), iWtrett ary Dpy pmobnm with lw merdwn, you~may rot hwe n ~/the rwrrdrip
~tlM oar c~~ ,, cep m~W oM ^aqu~ enk. Tmaactlaw en added unoum five an rie poop or wnkw. You hw 0is prmadbn omy whm
Dapi p WBrq ryde k wNdt thy m tlu putrlwee Ddce wu moo thn f50 and tlw purtlwes wu roads b par
postd ro you acoum, a ^ rater rote N our chdu (rapt that clwck home Nak or wlWn 100 m W of pu nutltq bdresa. These IYnlWlore
tnreattbna sn addetl es N tln tlaU depodkd by M peYee or a kkr date do not tppy N we own a opens 11N merdrn, or II w mNM yes tlfe
d oa chain). Few an added aithu on tM fide N t Nand tranwdbn, tM aMamfwnen br tlu Droperty or carvicas,
MA021207
https://instantimnge.bankone.net/Star/ jsp/PrintDirectly.jtp 6/21/2007
~ardrnember Agreernen~
CNlA12s-75
ACCEPfANGE liF'fHtS A6gEt1KENT
This egrrament governs Your cradd car use of wur ^~ccounl'aocovsnd by this aptasmotW'
contsininpducordbrUusaccourrcMY Y°
Plsasa road the anon rgraesuot and leap it for your records You aottmraa vs to a 10
for and charge Yoar aceauat for all uansacdoas mado on yoar account You greeds
pa usforsAVansacUranmadaanyowacuur+Luwogasstrytcasorfmaacedurgas
If this is a joint account. loch d you, togsdtar an oa+drvlDUduadlP. is raspansiWe for p.ymq
ell amounts owed. area it Wag ~ ~°~aa you rrIIewa K 1"a- srit ba 6ooad by dos
Please sign the bank d your wed byYw uza your atcoutrtlw nay pu-posa, o~ i
egraemerttHymtxanyana usayoaraccoualorsotYoa~lbafroundbydas
yvudan'LSlpnyourcard'WhaB'aryou aharncairirrgY°tlreardaad
e grst-raerd unless You t:ancal Y°Ur accouatwNdrt 30 days
you have real seed Your acaval for arty PwP°S0
Throughout this epnsmud. dta tv°rds'wi ,'ni sad'onr` ma0o Gh6ca BBak US0. NA
the issuru of your credit crrd and account Ths words'yoa:'yoer and'yoa-6~ epP ad
persons raspanabh for mngdyfnp wbb Uds aprasmrnl, inelydra9tl1B PonO
paris~oan awtw egraos to baiabla oatht~troua[ The wordcard'maansoas or more u-ds
cr ether access dsvitas, each as eetmtrnt nvmbatr, that vn Nova issued b psmdt you
tv obtain cradi[ under this egnrmant
USiNG YOUR ACCOUNT for ersonat, hmUy a
Your occulter is a eotunwer -ccourrt ~ idik ~wsdrsed by1 wa vri8nat ha nspata'bfs
householdparposss (bdessvraapn
for merehnndtss of services par yeGdd sod Irwltdil ~utinns For~a+crampfo,inlomat
promise to use yore accent mdy io make son that you
pambgnq msY M Nlsgal"a soma pieces his na Der respoesr~ mein nspaaaWa
use yoW accetmt otdy larpataassWle transnctions_ and you
F:yrnp !ot a Iran=ectiat even d h is nn paraiss!blo
Types oi7ransadimrr: tls nrsere¢ea~'
• Parcbera¢ You u+*Y use your card to pay tar yvu ffi tootles ss a
- Cbeelrs Wa may lv0~e Yw cash advance checks or baleen trertsi
way to use ymrr accerot INa ores re[u to theta h this agrrsme+rt as a cheek a cooks
Yau msy use a chatklapayior goods orsarviees, to usadaNrrlancaatoyarrseeouat.
or for odtar uses vw alorv But You m°Y rut esa Uusa dunks b Vnrtsfar 6aletues >o
rho accwme from otter ec dtmtl+~ ehstkmayRpn WseM k Caadrn-
parson whose Hams isprinr
era VeaW1 as taco edrancss and bshntx transtsr cludrs trs treated w balance
transfers except ss rtotad is chic eprsemrrd or eny oflerwn taake to you VYe amytrrst
cheeksihatwecapcoevardancechecksasbalancatrenslare.f ~srr6ctiru
thatwe csN conven(eaca Vasctked es nsh advnnces andassasssd urhadweu etas
(or cash advnncas, mat
and fees
- BalaseeTrsrrsforsYonmayvuuletbahncasbomotheraccamtsmloansvrrWe
crad"d car'! isstrsrs w aWarhndeIIS n this accoor~ or o1Mr baboa tnsutersm r(ice+/
But you n ay net Iransler bahncos to Ues eceanrd from oWee acemrats with us or saY
of our rt+lerod eorrpenias.>< e P oe ¢d a ttni I belattn 1ronsNrsoprto Your ava~ obl
available tndrt fine. wa may Pr P
cndrt fin
- Cash pdsanaas: Yon may nn yom nrd to gat cash from ot>inerteUe trBar msetrust. tX
l:am fmancfal WsUattions eenptatq Iha card', or to obtain uawlat~b obumW~
c<gronty;rnonay o:dars,wue tnnsrars orsMalnr nsirida sbargss;
tickets. cesbm geraiogchiPs. ncr trsdcvvagers ar loreiasiar belong traasarfions Yrr
mgyslsq usv a rhrar ~M1ysarvrca to make a peymnnt onysarlnhaG and balUs Prlfur`•''t
in dds accurmt
• pvardtsN Advonux a you bars an eligible chsrking accoum wilFt et» d orr rdsted
bstrl6. you msY fink Il,k ecwntrt to y>~r IIbo ~ dir tM tame of th s ~t~~ td
corer as owrdrah m Ural checking
your checking accoum sgroomaat
Biltlnp ndec h o: der toatanapa your sccormL m drvida lieu faro pviods ca9ed'bilbsp
rydes.Essfibis'vtggdtfsaPPrnzirt~~6ato~itdsia~thut~~M~kY~waaac~ rw ror~h
your accotmt trill Iran n 6dGng cycl pamtnent
br'IGng ryele andmg is aaeb cetsnder month whether w net thin is a bating
tar that bl~mg rytle
{tutbadtad Users II yor snow sarntrorn h use yorrc attoeai, that s ~ Y~ aO
authorized ase~ Yon sbodd Winlt canfuAr before agawin9 anY°°
attdtotized user because yyvoa are spowinp t patsoa to use Ws aeeoartt K You ten
Yon wolf retaeia respottsNrlr for Use un d your ascouat end each urd iasosd ea Your
nemsnt Tills bteNtdss.yarx nspom~36! far
accannl acwrding is tbs totals o(this sg
paying efi cbrtges on Y°ar actaurtt made bT an authotitad user. accoPm ff wie
You msy rayuest an addairmd card irx nsa by rs sttdtodzad user or your
dn'so;thisaeee,utwyappa.-. onthsenaatspoRoittfetsutlrorhe.~ aeeamtg
Yon nsest nou'fy as to teredarte en ruthorfted user's patmtsslaa ro nee yew
you notifyus, wa may cksa rho account andlw acur a new card of cardswitha dBfsraal
n ecount numboc Ynr sbotdd afro racowr end drstroy any cards. cheeks x any odrer
means of access to Your eteoanl from thrt auWv-ftla~~ YJs mryelso telermWt
Fsadit IJao: Yarr craddbtte rppeors on Maur la'llmg ~~ Ulm
cradtt tine as a erodR froth or sparding limit. Your 1rf~mg statameal else msY
otdyopa[danofytnaua6ugnsmaybousadfaccashadvaaeas Cashsdroat:os,n~
cssb advance chaels, ate charged agahW the rash edvsncs pordon d Your Wh for
keapa"ugs4~kVOlnsyoar ccoorrt bdirrce, inclnd'mgva+q lees arat~fmanuea. and
makiaq sots h remains below Your cndrt ~a fl your account balance is owryaur credit
6ne fat uq rtetsan. sus euy cbnrgs you sn ovarGrnit f oa ss descrWou dh ini You must
We mad bet an Pat nquked t0. salhorha cfrargsc toot gw immiodinaly H vw ask you to
pay soy amaeri wuYota credit fms, and you must pay
b apnapsat eppGes to any trahncs owr ysor txsd 6nn
At ourdacr~w4~ nryinenue, reduce, a once! year usddfur, or the crib rdvencr
pordoe el yore uadrt fmb al any dme HewswGcr dh6norwal eat sNa 1 you obGpaCam
wiNrgtbrcrasayowcnd'rtGw Acluagetoyarr
m pay us
lntanst'wad'&.aosncGoss Inlsraaaoaal trsnssclbns ioduda arty lransaeUon Wat you
msteb s fotsigecarraoty w tore yw meta oulcida of Iba Unhed 5utas of Amsrice a»a
J h k made it U 5 dolars N Y°tl make a lrensrstian in n laralpn curroncY, Yw
hrletaatiosat tr I+IeslsrCsrd hdersathnsl, htc-. oral Doman tba transactbn into U 5
daltus bYosbyils »spsstive tnurency conwtzim procadwas The exchange nla rah
entity uses to casraA cerraoty is n ou that it salads eNhar tram the nnpa of rnhs
ewilrbla W the wfidrsala curroncy amrte>c for the sppieabla pmcassinq date Iwhicb
nla rmY vary Irom the nu the raspacdvs anGty (reap rrcinrssl, or the
povatamwl~waudrlad tale in rlisel oa the appioaHa proesssiag dsu The rata in aNoel
~ the appGeebb procescingdad maydiperlrsnotlu nu an rhr dnis ymr.assdyoar card
er aecettrt Vlje resaNe flu rWW n eberge Ym oa sddidona) three parcard p7r! of the
US doYrtsrouatotanyintart+sdonalvtuaseiTon.whslhnrlhatUansatlionwaroriginagy
code is 1! S do{us to ores mado is aaoWor wrranuY and coavanad to U.S. dopers by
Yrsa or Mast=rGrd is ah~r use, thn 7x w1 ba caknl°tad oa 1M ry•Bn~ofhna ~ual
pravbtsd m asbyttratanthy The soma procacs and charges msY sPplY
fransacGaa is rorenad
Nsbrcal is Autbmira Treassclioar. Wa may. but an not n quirad tn, dacfina t vencacUan
en your aceomt (or aeY of the togorvisp reasons
• because d eperadonel coasidaraGms,
• bauese ytrstraeeousrt h W dafstdt,
. N yye snspeclfrwdvtsM or unlawful anivity or,
• in ~„ ~rr!tiotr.!x sr.Y WI•nr rersr.n.
y fa ~ ~ raspon$kla for arty losses B a IransarUon on your account !z declined for
any namrr, tutbarbY ~ w a tb6d pnnp even a you haw sulfir:istd eredd eveaebh.
Fot moiw traasaelmru. vve msY roquira Utst you register your aecotml with rn
av!lmrixiA!eu sYrnm Utet ors select tNs wrrt rmtiiy you a we went you to nglsnr N yon
do net npistKv+u ~Y decfiae you atfeu transeepons
Hdasaf Iap'aYpunfrzEerh sbackY00 vrtits is your request for loads tNhen vra recaiw
a duet fns paptwM.+^r° mrY f°Y1aw your aeeotutt to decfda whadtar to atrdsuiza W:t
cluck.MtemaXbtttcre not regairsd te. rejsctand return unpaid a check for any lesson.
Wclsufesg iJte idlttuvbr9 sxarnplas:
• We ar mw ofver reieted cempsniss islhs payee an the chaek_
• yoneendcGararushadwonpo~Deo(yaursraditfmo hasbnaoxcaeded,wwonld
6e excseded8 ors paid thr ehstk
The cltaekispost-dated B e pcsl~ated thank is paid. rasultinp in another cbe:t being
renaoud tx Dot pperil. ~ an not respoaslbla
. You Nava used the c}mek abet the date spsrifud on it
• Yon ors in dslanh nt world be U we paid the ehack_
Last nr Stolsa Cards, Cbscks or Account Nnmbars;ll eny card, coact, eccwnt m'mbsr
or arthsr means is aceecs ytwr eccourd is Wet a stolen, or you chink someone used or
may tae dten arsdroul Yow parn+ission, you rmrst notiy w al once by v16ny rho
Cardntsmbur Satyba teMphona number shown oo Your card or baling alelamsnc Do not
use your accaertt ehmyoe aotay as, core a your cord, chscl: eccaunt nnmbar or ether
~~~ esssymu mrt~kus~a orbtsbunee ar un uthnr' ¢ed use nle,ed too our
ero~t eyeswhany vYY nY
Bct'omtt rr.r
Yaa m°Y he n!~ 11 date if /r11lldl.rrrJed :tan of ,,t'r l... `^l .'^.n i4'~1Lh r't fC:.it_
~ baaeGt. buyau oral not 1N liable Iw amts than S5g.D0 of such innractiorts, and you
wa rmt be 6kia fa aeY suds tratwctbns atsda char trou notay us of tfu bss, Urrh or
unettdrofitedass.Hewarsr,yDu mop WerdAttfor as the onouthmizad chrrges Iromwhicb
youncaivud eo benof~
yye m.y r.gpPdree you to provide us information in writing to holy vs rmd out whathepponad.
VYa msY dsu nGuin you b comply wish canein procedures in conhecGon vdW our
invasdptstrom~
PA 3'~ntdinns: Yms ~~ sUleuutR and ancamparrymq aawbpa include
Pam ~ mop lodaw for msfarp payments and soft lotth the deu abd tans 6y
whkb wa aura nceira tht psyaunl
Yoe agree to pq trs amounts you owns in U S dogors drown on iratds on dapositln r U S.
imandtll irspaetoa ar the L S bench d n farnfgn financial hstfttrtiv+t using s pfiaMnU°,~
chrelc,cytgt-eyotderawtomedcdabadutxe7b Your total evalabin eoc ndil may not br
Instibefioe. Vlh M'N not eeeapt eesb paymeM.s
rasDored ftr vp to 15 dsYs-char ors ncawa Y°m payment
AaY P°Ywe~dpek or nUtsr fa`r at na}ardd whkb yar =end to us Ls. I-u Ueen M>• hd
'nWne9 matamsrkad`•cidin fug' srtviUt a atnBeraofadan orthst ~ ~u otherwise :ands,
in lug sadsJstttmt of a disputed etaourd (caorAUoaal psymsntsl, must be srM to us ei Uw
coaddNrRtPs~m°~eddrscs6smdonY~-»~Udt'stnemnnt Wsnsannaaomright:
regerdirtp sawn pajtaaots Far example, i! h is datarmined thrra k no valM dispMa a }
a~, ~peyetmataneefved nt eny othu address rue may acnpt the payment and yvr
~ ~ oeee any mmairdrN balenea We smy nrttso to eceapt arry~u ~Dfln10 nmet
rabxtdn! it ttr you, oat noshing a ar by dastruyiag it AN other papm Y
should be seat to the npuhr payment addrrss shotvneli rbh aan ant chacks~ et fir:
yya reserve Use right la electronksNY cdau your p' P yrn
prosentmarrteadar y~oP ant h cks b Y~owsutiwdration For us to cagacttho emount+
par toeelpt d Yo P Ym
EXHIBIT
Z
the chart elocironicspy, o~ it Herded, by + drab ds~wn apse tbsck smarm elo 0
Psymrat chocks wit a eoAocbd dreumdcapy by ndmp
with the ehrek rotAip and ecwnnl numbers ro your bank MYoa~M ~: ! a' P ~
be dobYrd as early estha ssrna dryurs recasts your peyaia pa
cyrck vvWl 6e dseuoysd and sa iasgs vvUl be mebdiroed m our records rs shown
Minitaarr Psymoat Yon ages ro pry at least the minhruar paynand
an your bB6rrp ststemsnr. so that we neeiw'r bylha date snd tone payaeM kr dna
You may pay mots dmn ilu srrdsrom psymarrl doe and may peY ~• ~ entered you
owe us sl arY us theh~syonwlppayle6eencekhorge beeausefnsncechergrs
sooneryoupey
accrue vn Yom bebacs each day befeaoe stirs
Your brT!otg stsbmaM ahorvs yam yepinninp brlaaca snd your errdbrg
'N ew Belsrrce' on dY u°mi ~ bi Ufa N w Relents. Dwihsnvks, it w~ bepttrs hapau~ol
minimum peyrsart
the tvpawing:St0Da29L of Ibe Msw Beheu; orthe sum o)17G tithe NewBsisan,
rotas bead pedodic nta fount dn. ~e also ~ a ~D al pssrndusaratds~la~~
part otdrs miNatoa PaYme
ovaryom crtrddAntr
Paymsat Motaiiorc You agree 16at ws ere aa-thtirized n aUoeele Yom ps}neents
end sredrts bt a wary that is ; e antaasnd credits 1o bslancesovrnlh lower APAs leach
suthadto us ro eppryyrwr D Ym
as proswtlonst APAsJ bdore 6slsnces wkh Hghu APRs
CradR Halaseac You may ngwsl s relmrdtFae amount of now cMrpi miw~s bSled
rtrduuilrs twounl of any aetfA bahnpe by
to yourescouat
Aulomstic Charges You may aethorka r chi ~ ~ amD/~rptrs~mo~ab~rr~~s
sccvuadforapestWncaeBonslloretteagrt , nasw(lacWdmp
and inmrant» prtunivrral g emp1p°gt rdtargss as swppa >nY
btreausa yew atevnn! is chsod ar strrpsnded lot say reason or your aeeomrl
Wombat champss,yan ua rospamslbla for rprRpbtp tiro bibr and payhrp tlrass cbe-gsr
directly l~yanrr acctwni Wombat cheapes• wa meg but sn nvitetin..rot:10. Pay b="'
your Haw atcwranundrsr charges Ihst you mnhmired ro be bplyd tryem oN seeeuni
Wombat
Promationac From tetra to ilme we may oRsr spatial bans for yowl halo otRi cl
do, vw vviM notify You about the taros of tM sNau end how h•9 that
Any promotlon is wbiett ro thr terms et this agreemrnt is atrodiGod by the.
promadand otlac
FiIttANCE CypRCES
Onily Perisdlc Rrlss and Aaeud prre~~w n ~ an fisted au [the Rotas end Feat
('APRs? sad ibs earsepatdinp daBY P Ta m ~ d~
Trble that it st the snd otthis do 3~65~ end rn s~Ran sh ~ s~+rad oD at 1tK Fah
ptrtlodk ran wo divide 1ha APA by
pbnlotherlptttolthsdacfrrniPtrbrt ro uraewualmayvaryvwlhchanpes
VarlabtaAsimcOnrotmarsAPAstbetapply Ye
to the Prima Rms Whw you hew ea APR Uret trsdre with danger to the Pdms
Rate, we edeubte the APA by eddmg r eretgra ro the Prima Rata pubBsised in 7'he
Wa9StraetJsvmeltvw barsinass daysbslms tM CEoimp Daurchohm onyarorbd6sg
stabmerd Tbs'Prene Aso' is firs Idpbsst.fU.51 Priors Rats ppubFsh~ed Is the AlimuY
Rates section of ors iNspStrwrJouroet ti 17rr YYai/Saettt.kraselydopsPe"g
the Prima Asle, we wSl sebrx s limiter nbnncr rata and udmae you on Yom bSifag
stetearent a lhtouth a sepenn notlce
A'taerghi is IIu peresnuW wa add b the Prune Arts ro saknhle tiro APR A
Fe ec Tae sb~awstMgch rN c, i(~ nn w i btr rtes It Ww 6sls the Rimtpm !or
each wriebis rata rod airy mbdsusn elegy pariodk me sad cortrspvndag APR
Two business drys betcrs rim Casing Daa shown on Your otlforp statamanl wa `s s
whet tiro Prhae Rsn etc rthar add kWslpedcu dsscr ~ above pdma Aan b pat
the APR. Tba daily p etroahc nn ktrm the pradaar br~'itrg
It our eeieulatloa nsWts in a elurrps Is s daily p
cyeh yecsuse Ura Prima. Rats lws eharrped, the new ran wll appF! es of tlrs fast
dsyy W Yenr 6HSrtg cyeb Ihst ands in the calendar month br wh{.h vw m°~~~
calcWethn dthrdrAypatiodrcnuNcresws,You.rlMbsratopay fugha P
Gnaats charge and maY Jura W pay • higher mirdmum peYmsn:.
DstseR Reres: Yom APRs alsuauy od<Y A You an kr daleak under Ibis agraeanad
or any other egratntrentyw bare whb ar or arty of our reiebd wmpaniss for eaY o1
rho blkswiap mesons:
• 1Ne do Hat rswhn,lm arty PeYjptr1d Urtt h owed s~ u°s ~ theme d~ a amend 6ma
eceoua or loan with us. et bast the srirdmnn peym
due.
- You exceed your aadU lino an ihle secomtt r yank
- You rmkr a payment to et tbstis nsr beamed by You
• Totheetdstdsgowedbybw,R,slerryisrmstteryaursccoarrtischsed,svadamsad
irnnedata ppaytnsnt of your outslandhp 6atanea snd wr do not Halve payment
rbthb: E,'te time ws spacgy
It pry ~irtrass arsrds oeeurs.wsrntYarcreaBath° APAs lindudmg srrypramotionsl
pPR1 oa ep bntensss(szeludisp ovatdnU edvansrsl up to a maztman °i Ihtr dohruk
rate staled M the Reles and Fass Table Wo nary consider the idiowbap lecrors ro
detorodne Yom defauh ntr. the length d lima Your account has boas span. the
ardsunce,senausnesssnd 1inArrg of tlae dalaarBs ortYour sccaarat: trtlrmbrdtstitms
of your accourR ucspe and pndormance; bdomrtion abrrtrtyour otbetlahtlotuldPs
with us m soy of our related eompsrdes; and iWormedon vYa vlruin lrtarr a:onsumer
cndh toppons obtained boor credit bmrous The dataadt rattrvr>q lets ~ oct~ese
thefsstdayottheyplingcyekinwtrichrhedelavhoccurs,irndra"taPpl9 P
bsiancsc bas the previous bAfmp cycle for which prriodrc finance charges have
nol6ew aYesdybiprd
U pa dsdds sot w lncreesa yam APA roan Wonph there is a daiesh arR we do not
iscnsu Yost APR rrp to rim mrxbnua dsleah faro stated M dr tbbs snd Feos
Table, we reserve our dpht b btctsrsa your APR is rbe overd d say helms dsisv0.
We mry i• sot drstntian drlumins b cberpa ndocrd detedr rates m ninstno
sutrderd te6m for aN m sehctad bshnus on your account.
fieaso Liege Caisulstiou-fw°"RIKIsAvanpo DeHy iidwalds~l flntlvdiag
New,pssdarasftorpnrchasas e~Atronge Dally Balwu N1s16od pselsdlnp Now
Tnaaetdtseal ~ DUrer T~dOrrc trra cdsulob paiodt iruass charges
sapaebdy k peh beleace assotietod whh a drRennt edspaY d trensaciiont
net e•+•rPtRlsrshemr. yelesee vinrters, bdanu trensfa ebeckr, cash edwneas,
cashsdaarsse6acks,ovsrdrsRadvaneas,aadaacbpp mNiar}TbrsaukWvtima
meyusbiee diQsnal cstspaias with the soma deByropairodk alas Thb !s tow h
workrc
Ws edarbMeibe ptaiode Gawse elurps~txpuP~ ~e ~~ bahs~er by thevda~ily
• >-as1. for aae6 day d the bBBng tyeh.
rata
• Seams, br each dsy of the prow ~ p c}~ch wad piy tba dally balance
la pmchetes mods la that b die soma d pariodk fete Howavtr
wa i eel do Ibic sscoad stop ii ws reeei-rod payment is (fell d rho New Bslsnsa
on prates bQirtg suumaar by the dnb snd lima 1br adsbetMrrp.yment was
d ~ya ~e !'menu et-srps rust slroody bRisd vo thetbdsnea
Ws eekrdeta t!u periodre Grass cbatprc in IP~hesas sabjau b a promotional
nit the tatrse fray. but we tree iM praaotio
Wa ~ ppautii~rcsedrtdrsnseebelckp,andovardnhad~vapeas,bysmuhfpfying
c}udrvredrarteateos,.
the dtiybdense Im sorb d tlrosa chavbp~erdbeh advar~rcu asdyB~havs linked
tyareutsperhs,eaehdeyYaearoY ,
this eccraatta ech~tting sscormt vvnhono of avr nistedboats- uicuieu the
p.dedte rawly chruyec brr bohncs trenslers, balance vsns(m ehocke, rash
advavtsx, sad tech edv~ sntce acts. sub(HCt m s promotiond ma the snmo way.
but se's asr Are prvnotl
To peltba dedybehnw im sash day for each estepory.
Yrs belts ibr bspsadnp bdwn for that dsy.
. YVe aadd ~ tiff bdenu say aaw Vsnssctlonc, less, other chupas, and debit
s rift ePPN to that category. W~ add ^ aswthpamchsss, rash advance,
tnssse$oa~u, or s br1K dais nl aura~h~~we sou . Haw c~sb advance shack
a bedwcs tnrslsr shed[ b the dally babeco ss of tlu dab the cub advance
abed; or bshnes irattsta check is daposiled by a payee, m a leer dole of our
tierce ants, uedits, or crsdk edrsstmonts that
• nth seklnrct ham that btdwce arty PeYm
spplytetllsrtsateparty and tint ere credibd ss of that dsy
• yys tntuls etsdk helenur ec s 6etares of tore
Ta 00N__drrt~agbutinp bataaes for ssah eriapoty im the asst de}t wr add the daily
ptuh~e firgrsea charge to tlm daily belspce if man Iban orb dsiy pariodre rata
cold ~m a category 6eausa the rats fm tlr category rarywry bared on tlu
a~"° a dip bala~irca~ams~ at iha end of tba map c~ytb ro c~kuleta~the
fmdsrswrape >ly
der ~ fhencs ebtape each day This agreement provides for daily
ermpsmriop d 6nettes drapes
Tv ggNNtire somdpntim6c fbtance elrargs for the bgl'mp tyele, inn add set of Ihs defy
pedsric Wnee ehsrgss lot each cspgory hr such daq dmisp Bra belting cycle,
phudre dallypedodic IMtstrce charges on purchesec, it srry rpply, for rho previous.
itovvavet: it any pprlodk ENtanct charge is din, vas sat eherps you ~t
ro~pa~edairee perirdb tisenea charge stead In the Rats std Fses Table It !t
k elm add sastbB6ws! etmrrt to roe eh the nrbdnarsr Rasace charge, we
addthatasoamrl re the belaree isrpurcbases made durkrp tin SAprrp eyelt
Tbr told IBwse tiurpe av yam account for s biRiep cycb vd1 ba tbs awn d the
patierie Gaace chargae Pks etry lrensactlon he finenca clrrpar
Foreecbserapmywe cdcrbu en trverapa daiybelsncs pnciudnpnawtrerrceclionsl
la the faTast eYds by adding ttB your daily balanus sad davitRap Ibat amount by
tbs araabef d delays (n the b16ng ryde It s ptuiodic forma sharps hr purchases
~~ ~~~ prnviouc boring a:pele a ss, the avenge dally bdsacalorthara
pbrclwsss h talcWstsd the settu way tl pw mubipiy tM avangs dsiy bdsnea for
aypldateebpor~sdsNyperiodrcrsu,m mttltotaeedlbythentmrbsr
of days YYre hAlmp t:yeb, tits lo~dreA{ eQtral Ure pars dneaa charges for that
yrhaeeesriMAsbls ro Wstbi6ng cyeia, stccaplfor mMorvadetlmrc dos to roundmp
t;rsnpatiods,odpeered dFsmca CbsrpoG We aecne pstbdrc Rasnu charges
nna gassas8on,tas, wGtente charge Iromtbe dsteitis eddedtvyawrdagy balance
urrdlpsyrrNrlinfuA k rtrctrired aryomeuouad Rowevsyws dotrtcbrrps psrhdit
imenudrrges w atewprrcheses bf~d during a ~~ ~° ~ M ncehn psymeru
n a~iYad isgmoW d y w Nsw Bolen a on your (rrsvious p ststamant by iho
dots esdtisr ]tour Payment was doe. This ozcapbon a'prace paned' s pekes oniy
topradsaasnddtresnaepp1y toydeneevanslers,bshrrertrensiachocts,cash
adsese+;,rush advance checks m orardreh adventes, 0 eppkuble
~s~s~stvd~lhearRehssndF esT yelor achoit~iralapowingVonsacitions:
• cash tsdratee cheeks,
• cash sdrsstes
vjMni"LDJ
i aVtl:.ar
In addaion, g you use a ddrdd 1~ ~ : ~1o vw ~1' ~s po s transsedw far Ire the
srrvrce charges the peyma
payment.
ThesetranstcGonloasarsOnanseeirarpes Waaddltglsewihabalancvtorthetelate
cetaporY rs of tits uensaelion date of tM sash tdrraner For warple, t transaction lee
for a cash advance woukf bt oddrd to you essb admnes balance
Trsasacliva Fsrs far Bahnct Trsnsinrt Wr may chaps you a bahnca trensirr be in
the amount sated in the Rttos end Fess Lbh for oech o1 rho logvwing trensaeiiona:
• balenes tteas[rr chaskr,
• batensetransiart
These trance f~jh~iverrreci on data d Ihi~balr ~dlnrrsfst Fmetroimpk,ia irsnsaetion
eotegory
fee for a balance trenslerwould be eddvd Ie yov- btlarrcs "a"ster be ante
UTHF.II FEES AND CHARGES
Be Fable Thtsalaat~svrr~6etddodroduba~lancoafvrpursheusmadedwinpthonbiB'mg
cycle•
Annual Merabetship Fex g your accsuat hoe sn anmral msmbsrrhrp ire, a vr11 be bkh
sash year or in momMY iarielbnen rl tae ~m payk t~idrretrbgiadiha a Tnmai~mambo srNP
not row use yore eeeote~ and you P
tea rs nan•rsiundable urdess you aan~ ~ r~cht ~ anti ~slr omorabarrhip °ei is
days of the daU tqr mrg peat bNGnq otastredug bahna in lull Yotu pr ant al
chnrpkd end otlha same time, You pay Yonr your
the annual tasmbsrshfpp hr does nvl egad tars right to close ymu actosnt m
right to make lrerrsaeUoos on your aecoaat It you aewwd is chard 6y you to trs, vre
wig continue Io charge the enaurlmembe~{samrOlyou peyyanrvutsutwpepbelrneo
in lull end tsnplnate your eeeaunt rels ed minimum a Wa date end
Lnta Foa: N we do not reeeiVa b`Nlnest~ mragd- arty bktlnp yelps svd+s ma rherpe the
time k h due as shown oa peal p
tots fee shown in the R~us and Foos Table Ii tlrr hte fat h based on v alertce, we
cntr•leto Wu b:+ Ise :mop Wa Previors 8aknn as the currem raonlli s shhmola Wet
shows the tote fee This belaacs is rho soma rs ms Naw Behnce choam on Ws prior
monW's sutemsnt fw which wa did not receive at Issri the required mbdmum payment
by Wa dets end timt it was doe
Dvntiimlt Fes: Ii your ectourrt balance it aver ~ o sr'uiw~ t~ ~ `d~ shit lea
eyda, wan it nary for a day, ws may ehsrge
even if year behnce is wartha credk gas 6ansso of a fine"°a ckatga rx Ise ws imporad
or o transacden era authorized Wa wN sal dtargt rroro Ihsa ens ovarGmh in for eery
bighrp cycle. But era mty charge en vvarfmril f ee is urbseount bd~enea c~ic over your
new ttaasoctiorrs aro coeds on your sscasat. ii Yew
eredk Gnu rt any lima doriap We svbsagsant 6~mi cyelts
Retsro Payment Fax U Is) Your psymtrM duck ar simYrr instrtaasntit not iroaored, {b)
an rntomana debit or other dretrome peYmrusis rrmrnad tmpsvi~, ~ wi may cheeps a
a paymart shark because it is not sfpnad or cannot be pro
rotum psymerrt fee. as s sash edronce chock a beleaca trearht
Rstern Cback Foe: it (e1 wa stop PsYrrsnt
cheek st pout request, or Ih) wr refrus to pay a cosh sdvanro shack or btienct treasler
cheek we may chsrgt a attar ehask he stet mtrA, saiet dra11 w otitar
Admialshalirre Feas: H yes request a copy of a being q
record ai Your teeount w N you request two or 1am• cards or arty s'ewcltdk sue; ervices
example, obtairrirrp cards va as d basal, ws may charts You
Howrvay we wa sot chaps you ar copMs of brllkrg ossermtep~akrst ussorde-epPl~cable
documwRs Wet Yoe tegwritor a bdWrpdapom Y~ m^Y ovtdt, Wa
lees from tiros toroUnri finaedict whoa ws apedr dra sorvia omer s srvieas we pr
DEFAULTJf,OLLECTIDN
We cosy tansidar you to ba to drlsuk R eery of meet occur:
• We do not receive etlaari We minimuat amowrt dot frv ~'° clan and time clue os shown
vn poor bdGnp statsmwrt
• You exceed Year credk Goa.
• You lag to samply wiW the terms of this agraeroent or enfrwttement with one d our
retetad cstapatars.
• Ws obtain in(ormelioa that causes ut to brGevs thatyou m.s oa urevdGnp or vaoDTt to
peY your debts to os or tr others os dare
• You hTe for bsnktnplcy
• You bseoma incepeckelyd or in lha event olYott: daailr_ '
ff vas consider your reesual to bs h dafsnl6 tee may dose Your account wkhtrtrt notice
and require you is pay year unpaid balsam imtwdistoltt W e also may ngritre you to pay
intsrosl at the refs st two pareerR {21L) ° mmrm oa Ws snpsid behncv when vn deem
your rccourrt h ba sic or mere bNBng eydve pest clue.
7o the orhnl prrrrdtted by law, n yes ere [n fes~a C~ c~ Yo^a eg tahsrserptnsas vl
yes wiA pay our eogaetiar costs. rnomeYs'
enlordnp sm rights nnderdris agr.emtnl
CLDStIVG YOUR ACbCUNF
You may dote your nccouM at ony lima H Ym sag' us to close your atcovnt we may
require that you confum your requsri in writing d >rc credk privAepos. al cop dmt for
We may ckso your account et any Ume m swaps" y0
eeeoattt we wgluw tiba Rstleclo yon iNar soy cr~irsegnnacts~tesMuMing Gom ctasbip your
occoum or suspendfnp your credk privprges
it Yon or wa chess porn eccouul, yon and. airy audrorimd users meri immsdfstaly slop
uenp yew account end destroy oft cards, checks orotherreaent h acnss pleat accoptd
vt return Wom to us upvnregtrest Yes wrllt:oa0aue to ba respenaible ter eharpts to porn
teeormt- even O thsq an made yr prottssed eharmnr arcoorrt is ehrsed and yon wDl
by ngsirsdtropay rtes outstrndinp balaaco oa your rccouat rccordnp to Wa Urms of
tbis eQrrasrenL k additfon, to tM latent agowod by hv~ vte taste nquke you to goy the
aa~sg kaisnca kwaodirlslY or et eery that eftar your xweN is dosed
ARBinUfliOM A6REEilENT
BE RE50lYiifl 9Y 1B N~DDJB AR6ITRATIARBON ryRAPA IT~pN~pEpIACES~fifEORIGH TD GO
TO 001N1: YOU WILL NOT BE ABLF 7D HRtNO A CLA55 ACTION f7A OTHER
ENE ACTIDN IN CDURT SUCH A5 THAT tN THE FDRM DF A PRIVATE
ATTOANL~ 6ENEpAI ACTH3N, NOR WILL YOU BE AHiF TO HR1MO ANY CLAIM IN
ARHITIlAt10?ll AS A CLASS ACT10N OR OTHER REPRESEIdTAi1VE ACTiOH. YDU WtLI
NOTHEABiIETD 8E PART DF ANY CLASS ACTION DR OTl~ft I~RESENTA7IVE ACTIDN
B110116HT BT AFfl'ONE ELSE, DA BE pEPRESENTEO gi A CtA55 ACTION OR D7HER
AEPR~iDQNE ACTION, fN THE AHSEtiCE OFTHIS ApgITR11TiDNASREEMENT, Y0U
AND VYE iill~ OTFIERWISE HAVE hltD A RIGHT OR DPpDRTLDlITY•TO BRING CLAIMS
1NA ~ylgpllEAJUD6E ORJURY,ANDIDRTD PAf[TICWiQE l~ BE REPRESENTED
IN A P•Aif FRED 1N COURT BY OTHERS IINCWDING CLASS ACTR/NS ANO DTHER
p~~tl1VE ACTIONS OTHER RI6HfS THAT YOU WOULD HAVE iF YOU WENT
TD A COiNtL SUCH AS DISCDV9fY OR THE RIGHT TD APPEAL THE DECISION MAY BE
MDRFLMYIi~ EXCEPfASDTH8tWi5EPR0VRH~ BELDIM1LTNDSERir#ffSAREWANED
g'iadyAdiuBrn.ThkArbkntiorrAprssmerrhr rnadr psrsusslto rusncectiarinvolvinp
Iatasteer peagarta, and shag 6r pwvrnsd by end iw samrrseWa wader Wa Frdawl
AtblrsirnArtblw•FAA'),9llSC.61.18eskmsY6rrmsadad TilisArbdretionAprrrmrnt
cats hrt>irtlrsdretmrstmcrr rmi procrdurss sndrrwhick driers (as daGnsd 6riowimay
ba rssalwliruldtrrtion iactre of brisg blipaUd in wart
PstirsOsxsri•FortlnPtnpasasofWisArbltrstionAgratrrsnt, irrv; its:and'our visa
brclaiasaesprettLsnbstdanss, rtlistes,Brrassss,pradasysmrtisursrssors, sssignc,
asp psadrasrr of pelts Aet:auM, end eAai Wok otfrcets. tRrstxors, a pees, epents,
~adassytacaresryendsgoftheta.Addilhnagy,•wa;•us'sad'onfsbd Indstrrythird
pwryproaidaQbanaGts• sertriess, or prodmrs is sorarertlos wldrfor Account fincludmp
but rralinRedm wade bratrtu, marchrms Wat eecapt arty ereuft dative issued wader
the Aecoey, rewards proprems and eatomnsra srivicR:, uadk irrsuranra corrpcrdas,
drbttxrdaas,tad dddrdrofRetrs, dfroctars, erapioyees, apealsacrd represantadvec)
1 aadrei-il,srebe dtYd perry isnsmvd byyau ac s eo-ddarrdaatbr any ddmyon assert
epainstes
~~ ~seread £kher you or the may, vrithotrt the other's emtsarrL elect mandatory,
birrdrq rrfirapoa of wry cleha, dispute or romroversy by rghs- you or as sgeinct We
ad~6 sr egritstWs rm ip oytrr, Ptrents,subsidiaries, etf~sus• biaefidsrios, aarmerrC
assgar d pre oWar etishrp tram or rdafm0 in'rny way m tbs Cerdrsosrerr Apt
a~rprlaaA-~~rSmbsrAgrrasasni,yorrt asdncerd Accmrnt wale arksriisinp,apptication
or spp~A~ d ytrw Acwtatt CClaim'y• This Arbitretraa Agrewreat pvverns aN Claims,
whN6ar seK6 getter era beard on lasw salvo, contrast, rapnla8or4 ordineaer, [ors,
earaetra~s ~ oosst6taiswl ptavisios. or any bgd llwory d law cosh ss respondsat
stlpnisCarspyothrrhgat srrqudaWa grotardand whaUar latch Clakrs seek es reawdres
rgapydaaaeyas,prardlir4 it+~ttneth+rs, or declaratory or stpritabk raGai. Cteims subject
to tkkAs6dtra5onAWtamsrdmshrda Cidms regsrdurg me sppliiesbiGy of this Arbkralion
pgnawreatartbvvtGdiglsitter sndre GrdasmbarAprsasraetar enyprior Cudmamber
Apnsrarsl• This Arbibadon Agreement iadudas Claims thitl erase kr iha pall, or arise
in for prraeal or the beta". As used in This Arbitration Agreemsrd. the ltrm qdm is to
ha o[eytl~brordrsipossibts meaalnp.
tarirstaijrelm arb'drrtisaiaduds Clebas that sro medr es wumrrdims, cross eleims,
thitf pas[r claims, inurpludrrs rr omerwiss, end r party who btkhUr a prxtadlap in
essrtsr- drd xbkredvrt wkh recpoct to any rush Chime adranwd in the lawsuit by
k ~ioa:apnst~j W this Arbkra$oa ApreamanC You relater qrs riphtm patens h t smtk
daiasswaeaM~WalKwithin ttrel evuA s jorisdiedon end precwds vn on brGviduel
hesft ^rpwprvhctste arbitrate s Chico, We erbiu'atlonrae'Mha coadrrasd as onkadvidutl
eetah.Neil~r yse r!vr +'+^ spree ter say erbkra:ion oa a :Its; ut raw rte: rbtk~, l+acis,
spdtltr trditrrmr sbai Neva no arrtiwrky to proceed oa scab basis. This me ens that auto
i ^ dra ttdan bvrsdl w ttthrr ryuewNetiva sctiar4 sorb u mat h ms lotto al a privets
ettaserr-lfesrret araivn:}s18ed,ruY grhubatvreenus reiwdto iM ksnas ratted in cuch
IaMrsuisvailn tobjest m as brdrvidnd rtidtredoa dehn S rphsr yor or we so ahct_
No rrblra6os sdB 6v roncofdohd wish eery other ar6itrr6os procssdnp without We
tersest d d perdu Tlu oMY fXrkns that may 6s johtrd is ea brividud settee under
die priirniopAgnrasrstarsli? those bresght by uc epdast you end eery co-eppGant
joist carrlsrarebeK of arprodzrd usu of poor Accstmt orYo~ hales or your tomes in
basbrplc7 ar RI those brotpk by you sad eery eo-eppiae4 joist eardmuubsr, a
srtmeeksA rase of your Account, or yom hdn or your truster h bankruptcy epeinri ns
laiiefis ed Atbiuatioa Thi pony RGrrg a Clshn is erbprepoa tmrst choose ono of lira
folorigt4rr erbitreuoa edministrstors: American Arbkrelbn Assoeietiar, or NeUonei
pt4ltraiasr{9rrsn.Tiraartdmsrktratsre eraindspandtat kmn ss lire admWav^tor dose
met tresdret per arbiruiat Ar~rathm it aronduetrd wader 1M robs of We sehaod
etbitrdn sdatbiuttetW bj as impMh) Wkd petty chaspt is atcoplanct wkh the rules
d der elected srbitrrrtior edtabdstrgm tad es may br provided la ibis Arbitretion
Agrrrwese Any sr6ltratiop hntirrp Wet you errand shs~ lrr bald rr r piece rheas" by
d-r tufrihrrr ar erbhrebon rdmur~Vtrof vathbr rho iedrssi juttjciel drtVr:t in which you
retadr td per fidte the gaiamr h Rlsd, or et sans other pier m whlcb you end ws agree in
rrriYo~ pas wy obtain capias of We emm~t ruins of each of Wo two arbitration
adtu6atratrrs. inhxntatioa about arbitntion end srbitretios Tars, and instnrclionr Ivr
bridrfiyftrbitretiaeby stnaecWg the arbitration administreters es iollows:
Araarivt ArWtrsdoa Atrsarialh0. ~ Madison Arsons, Root f0, New York, NY
ippy7.~r,Web sks: wwwedcorg. ttDO.771-7679; or
Ne6asd /phitrstioa Fo+ss4 P.O. Boa 9p19t, Minnvapofn, iJiN 55A65, Web silt:
wwvetrrbtirrrt~n-foram etxn, BDD-t7S-2371
Proceiaraa end Lew apptlenblt in arbltralian. A single, "retest erbitretor tvip resolve
gdoa:.T>,sasbkratorvsli ahharbe a Irwysrwith of losstten peers arparionca a a retired
GiJir-i2c:
ar former judge 7ha erbilrstioa wli br tonductadunder the eppgcsble procadtuas
end rules of the erbittation edminfsuaror that ere h ageaoathe date Ure utdtrefan
is fitnd unitrss those procedures srrd rukc ere facontigant with lbls ArWvatioa
Agreemerd, in whie6 case this Agnarrrerd wi prowl Theo procedures sad rules
reap fuait the amount al discovery sveRabto to you ar as 7ha athiretor wit aPPfy
app6esbla subtrtsntive Irw tonsistem vent tba FAA sad appiubb pelotas of
fxnitadnns, and vvRl honor elabas of priviya raeogrined al law You mty ttwose ro
Neva s hosting end be rsprasmed by caonsel Ths erbitreta rneTl tab reasonsbis
steps to prefect customer Aeeotmt informstioa sad other coafidaatial information,
inctudmg the use olprotsetiv~ idTh~ ~ titttba at~m7th ure~outsioworw stv~ra~o:
i1 ragnastsd to do so by you
party tray damages or otbrt reRet provided fa artlsr sppTmabk lave end wdi not
Nava tba pttwrr to award rsgo( lo, aga'ttrst of br tie beaait at stry perwr who is
net a patty,to Ihv proersdrrtg it tin few avthoriass such »Gsl. the srbhrstw rosy
award ptmttive dsmsgss ar snorasy tea The erhhrata tv~ melee any sward is
writing but need not prod dus~ 6s orbfvetorrvril provide ssbnel stetemsnt oPl 11~m
Upton s ngwst by yon
ronstms far the award.
Casts Wa urID reimburse par tot lire irdtfd srbhrstios ~ In paid byyou ut ro flu
amount of ti50g upon receipt of proof of paymont.pJdhbrrsiw i Wsrs is s bootleg,
vw vela pay arty last o1 the srbiuator end erbitndort adadnisnstor fa the irq two
days d that haarfnp 7fis payment of arty sneh bwriag foss by us aril bs mods
directly to the arbhrrsgon edministralor selettad by ar us purstnrd ro thfs
Arbitration Agreement AN other lees will bs siocetsd b ksepbrg veldt lhs rules d
the sthitretlart ndmin)gtsta and eppfkobh law HrrvwvaG we veil advenu ru
raimbursr irTing loo end other feat if the srbiusdoa edsdrdstrator or arbiuelor
detsrrrdttsc tirare is good reataoa for regnlrbrg a m do so a you sole as and we
dotormios than is good cause f or dniag sa Each petty wit beer the rxprrue of the
fees oad costs of that party's snomeys, exptrrts, warassac. documaatc end ott»r
expenses regardless of vvlucb party prwaiis, Iw ^r ~ a~ n v any bafppeel dos
parminsd b walow `,a X,oPt ~ hould rotovor erry ar sR Ises end casts~lrom +n Ihu
detsmhdnp P M
party.
Farfarcomen6 Cmelity, appsetc Failure w any da in atdorcing this Arbivation
AgraemsmstanyAma,wfntormoetionwkhany rt~sims,wRlaatsoastiurto
a waiver of arty rigtds ro regrdn srbgretios e! s later thus a In wnnaedat with arty
niherCtaims AnydoeisioareadarsdinsncherbNrsGoaprocesdmpwRlbermalsnd
bindmp on the pattisc, radars a party apperR in wrMiap ro the rrbftrsbon ergardzeitort
vvitftin 30 days of hsuanee of the trward Tla apprai attar request s nswnbkratian
betas s penal of two neutral erbAratore daigeaud by the some erbRrstioa
tugatdrafaR Tha prnalwilnconsMsr egtsetualend Ngsibxaes errevryfoRowtho
soma Nfes first aPPty to s prosasdmg trsloY a r~,»stl ~oi~r ow d,s~asses
based on thr vote of the rttsjorfry Each petty
sxparrses for arty appid, but a parry rnsyncwar arty a ei Ise. casts end expenses
from another pe ray, it the mdejority of the pond d arbilrrrorc, ePP1Yki eipTicobb
law, ss datetmbtac An swud in er6hratbn wt~ to ndorarbls a provided by rho
FAA or ether nppfiubls low by arty court having prricdlr:doa
Sawnbfltty, avrv)ral This Arbitradon pgresarM shed survive: fit torminrdon or
changes in the Crrdatettrber Apneaan4 the Actoa-t and the rehdonsbip between
you and es correrrtdng ihr AeeorrM, such ss tin hsubtg d s rnw seeosrrl nurabar
or the trensferrinp d the balance la tfw Accotmt to another ~~ tmt b~hslP
beakrapfcyofanypertyoruryslmiuprocwdisgGRistsdbyyvo your ,
and Ifdl psymemt of the dent brfnll try pas a 6y a third part/ q etry portion of thk
Arbitratior ApraemstN & deemed irwaRd o< vaaulorsasbia, the nmahdag porilons
shdt netrrrthahss remain io }ores
CHA1V6E3 70 THIS AGREEMENT
Ws tan ehsnge this agraemard st mrytimr, rsgs-dkss di p~ f~~ ~o .da
to your sccoant, by adding, ddadng, or modflyitrp say p
dalyda, a mttdly provisions includes gnerreisl bans, streb a da APRs end lees,
end odor terms such as tktr aatuts, sgord, tad safsrcameat of tM rights-and
obTigs6ons you m eve may have nletarg ro this rgrssmerd Modifrtstiaru, addidons,
of dele0ons ere eeiad'Chtmgett a a "Clrengo'
Wa veil mdly you d say Change K raquhsd byappgcsbh bw Thesr ptsnges nuy
be sSsctive tvAlr notice ordy, et rho drne shred hr our notice, in aetadanu with
appfieobb lave UMsss we mfr ahsnvirs, say Chsrya veil apply %dre urryeid
6alepcea an Pout aceourd end to new Vtrnsscdetrs
The notice w~ daccribs erry rights you map trove with respect W say Clangs, and
the contsqusness i you do or do not etrr a tbost dglas Frtraxsmpk,tia nodca
may state that You mny rrotliy nc in vrridng by a speciRod data i you do nod want ro
secapt certain Chstrgss wr era rntrWng If yoe ntuRy uc in tvrilbrg urq you do not
accept the L'hangee,your eewnatrneybo Closed (i iris eat eheady elosedl andyou
wrig ire s6fipetad to payyaur outsbnding betsnrs aader da sppRcshla terms of the
ngresment epee do not npolyusbrw-tting bytln fists gabdin theaodu. or O you
notify to btu wren use Your -eeount sRat tM dru paled in the rrotiee~ you vuKl ba
.:a..cr: k ecctrpt all Chrngr, to l`•s n.t::e cad to actept and Confirm si Istms c!
your agreamstit end ell Changes in piror notices ws tgvr sent you regardless d
whether you have access to pent account
CAEDR UVFORIitAT10N
Vlh may pmioditeiy review your credit history ly abtaining inimmslioa {tom usdil
bruaeus end others
Ws mayrepart inlarme6on abet you end your stt:ourd to credit bureaus, including
pow fedora to pay us on tiara • U you ragvaq eddbiora( cetde on year etxourrtlot
others, era may report accoum infsrefal'ronia pout aaaw es wog es to the names of
these other aaople
If yoe tinnk vNe hove reported fnaccurols inlwmadon to a credit bureru, yeu may
writs ro us a< tbs Cardmsmbar 6srviu address feted on year h~erp gslament
Pfesse brduda yntrctam~. address, ecrount aumbar, telephone nanbsrend s brief
deariptios o(iha pobiam g available, preset provide a Copy of fire endt bwaau
report i. question Vlle evil PranPW iwrstigsta the msriar and, if oar iewsllpedon
sboh~s that yes a» riolA wa prll confect saclr ctsdd bureau to which wa reported
theipfaypa6pspd regsastthsycorrectlbereportitvvsdissgnevadryouahar
oar ievssGgathr{, ws rrr'i tell you is writing or by Uhphaao We tvRl also nmfly Iha
credit bnrsw dot pat disptde the hdormstfoa unhss yon fat a know that port no
Ittager tihptrle tbs hdormalios
NttficES/l~1AN6E OF pEgSDNAL INFD RitdaTlON
VVowllsaadt:stds. stdamoatsandotbsrno6cestoyoualthssddrsssshown
in otnlNes. 06i1 this fs a sccotmL we tan send blp'mg stalarnerds end nodcas
to snyjsiridatsamdlaidscNmiu ro one ul you veil br ctmsidersd nalite ro ai of
you and aR d you vela tsmtdtr obigated on the account
1t par tiartpa ymrr nano, address, or home, calhrhr or brrsinea tobphona atarrbsr
ar stead address GI sNet to receive bRling gslamaMs w odror trolicss otdfee),
you seat godly ar alah' br wrldnp et tba addrosi shoanr on your biginp
slalsarsat.lflb tuty. d oar opdo4 accept mating address eorrecdont iron Iha
UrrRrd Ststa PosW tierviaa We may contact you about your aet:ouaL inclutfmp
tat euseortw setvru ar esircdorr, st any address or lalsphona nsnrber es vraR es
any wider htepbssa tttarbec yoo provide us.
TElFf NDidE MDAlifDRtN6 AND RECDND(NG
Vtk, srdN sppieefrh,atragants, maylislan to end record your falsplrone oils with
us. Yon cans that tiva, amt ii sppgcsble, our epenls, may ds sa, whether you or ws
fnftistedtatsisplaas cei
INtTJiliAf~i9N SHAi{gd6
You autirsrka to to shrrs cutsln information about yon end your accouMwiddrt our
famiyof cntepardas,eadrvit4 others outside our tsmrTy of comparrias inetnding any
campanyor mpsnitsdanwhosa noma or mark may epposr on the cards, ns pornrittad
by far! Dur P~ncy Pagcy, vd,i.h is prutid:d t, you reran you first ret!ivs an
agnrmerd and aUwgoaw oath calendarysartherssher, doscribss our Irdormadon
alrerwg ptsedees errdtha shakes yea-bow and dtrecrions yon say plea us about
oar sbsriap of iafermsdmn about you and pent account with companies or
vrgtnhetlens vritMa sad outside of our tarm'ly of componias
itiJNDlS CARDIfuEAAREIiS
INirok few ptwridas Oat two me~ not shore talormodon about you with componias
a albs trraatdaa6ans atnsids o otu IsmKy of eompeniss unless you suthmiu rho
disebsata o<tatbss da diseiosnre isRc tmdar another axcspdoa In file few Istrch
as tdrtrritg itdattsadoa is precsss your lrensscdmrs or fn nspotrstr m s subpoena).
YoabstebyrgrndrsLBysachoasanot to exercka the sppicsWs opitmldesctibed
hratlr pybasy~Psicyr,yw rAlbadrramad to fuve omladzod ns to sken personal
fnlsrsadoars lean aboat.yeu fmdading information rolamd ro erryaf do predurds
rtr strttiws ya. say nth with arty of our companies) wah companies m rather
otpad^aBsesrrtdsiis d oarfarmTy o! etunpanlas _
ENFORCIN$ THiS ACREEMHd f
Wt csndslsyaaforc)ngaraotenioree any of owrighls undsrthis sgreamsntvvuhout
losbtg trot rigid ro attbrea dram in the itrtrrfe.ll any of the terms of the sgreetrrent
ere bWd m bs usatdorcasWe, aR other terms wit remain fa IuA torte
ASSI6NMRBiy
W~ pyy tussigs your acutmL. any emourrts you own aa, or any of our rights and
obigeliosa uadertlisegtasttardro r third patty The parson ro wham ws make rho
esdgaaas[ rsi 6a spitted to arty of our rigids that wa a coign to filet parson
t'DYElIMM6IAUy
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DEGDVEi'ItlzDt'.kOINT~,PlL=TEC INA.".CDRDP:!:'E :Y:TtI iT:DERAI. UW;,PiO,TO
m c ~ afP~s. i~E~t,a~w D °aelAwAAEgE, w~E A~nm
y0(Ai•A1~91p~lTAAELOCATED.YVILL APPLY ND MATTER WHERE YOU LiVE WtUSE
THEAtxYHAdC
FDR1NWgMAi1DN
Please crM da Cardmsmber Servlca lalsphona number rn your tend rrr blRing
stsasaat0par pave any gwstinar about your account of this rgraemom
veils liitLYfq, iticiFrs.
KsepThisgaDce FwFetrre Ustr
This traWss r:adslns impottaol information about your rights and out rospons~i'rdos
rmdarif» halt Qndil Biting-Alt
Nob'fy Us b Cost ~ Errors Dr Dnestittas Abant Yoar Bill
II you dtbdtyear bli fc wrong, or;i you need men inlwmstwn about ^ vensscGon
onyrar6~,ttfrlle nsmatoptrete shoat at IEta Cadmember Service addtssc shown
err pear brTorg stststmat Writs ro us es soon es poaslbh Ws must hest Irom yon
no later tlaa h3 days spar tve :ant yoe.[Its first 6tll on which the error or proWam
•pprc-~d ;;,,; tatldephote n. N_? domy sewT not preset vb your rights
In yarn fopR give us the taiowtap information:
Year aatss and aeeoaat number
• Thu dowarstnotuaoltbesnspsttederror
• Dastt>bsibe tmorend tntpldn, U you tan, why You behave there is an error li you
mod mots iatamebon, dascrlbe We item you are not snn sham
If youhav~ atdharhedsstopoyytrnr credd acrd bit autaraslicaflylrom your savings
or rdieck5tg at:caurt; Yon can slap the ptrymanl on arty amount you think is wrong
To stop des psyaantyssr truer moat roach its et feast three bugnsts days beforr
the stpouabc ptrysteadb: scbedutedtn ocwr.
YoarRlghh And Oar flnpoesibi116es Aher Ws Recetva YanrYthinnr Notice
Fags a of G [~L:..::.:: .
We must aeknowiedpe yosrloRer within Jp days, unless we hws corrected the error by
they lhrnhin 9D days. vVe must either correct fhe error a explain why wa believe tho blN
wet collect
Atisr we racsivo yow Ntter, ws caterer try to eoMstt arty emoum you queslioa, or report
you as degngvent We can continue to bdl yon for the smoosl yen question, including
fmonce chrrpes, end ws can apply any unpaid smoum egsinsl year credtl Nnv You do
not have to pby any quaclioned elnounl whNs we are investipsliag, but you ers sBN
obfipeted to psy rho pens of your bNl Ihet en nm in ques0on
N we find that we me dr a nistake on yow b311, pouwNl nvl hew m pay srry iktsnee chuges
related to any gwsfmaed amount N we didn't make a mistake, ymt may haw to psy
fmsnce charges, and you wNl have ro make up any misnd payments oa tM quertionod
amount In tither case, v» vriN send yoo v ststsrmm of the omm,m you owe and the dau
that it is dus
a you tall to psy the amount that we tbhtk you owo, wo may report you es daWtqusnt
However, i(ow explenedoa dons not satisfy you end yov writs m us vrlUdn 1o daps lslfmg
us that you stAl rsluse ro pay, we mutt teN anyone rvo report you to that you have a
quastlmt abvsl pour bdl And, we must uN yov the name of anyone we rsponed you to
We must tap snyona we upon you to that [hs matter hes been satded between us when
it IinaAy is
Uwe don4lolbw these rules, we een'tcollact the first 5501p of lire questioned amount,
aVBA U yanf b~ V/et C DRetL
Spocinl Oates for Crsdh Card Purcbasoc
tt yDU have a ptoblseti with the qusNty of property or ssrvlces that yDe putehswd with e
crodrt urd, and yon have vied in good leith m rorna the problem tnntb the merchant,
you mayy have the rlphl not ro pep the remeininp emosnl dus w the property of wrvices.
fits rlpht dots not apply to check usacatxious There ers two fardtabons Ba this right
(e) You swri have made the purehace In yaurhome elate or, R rwt withhr powhome state,
within ipD miles of your eurram msi6ng eddracs; and
fb) The purcheso price muri have 6esa more then 55U~.
These fimitadoas do not epplyi! ws own or eparete the merchant, or ilwe mailed you the
edvniisement tar the property or servieo: -
Copyright OZD~JPMorgan Chase & Co Ah rights reserved
Pego:cr: ti :-a..i:C .
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 PA. C.S.
4904 relating to unsworn falsifications to authorities, that he is John K
Wells, 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.
Bank, USA, N.A..
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SHERIFF'S RETURN - REGULAR
CASE NO: 2007-04825 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CHASE BANK USA NA
VS
RICE RICHIE L
BRIAN BARRICK Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
RICE RICHIE L
was served upon
the
DEFENDANT at 1606:00 HOURS, on the 27th day of August 2007
at CUMBERLAND CO SHERIFF'S OFFICE ONE COURTHOUSE SQUARE
CARLISLE, PA 17013
RICHIE L RICE
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 19.20
Affidavit .00
Surcharge 10.00
Q~041n7 00
4
Sworn and Subscibed to
before me this day
So Answers:
..G
R. Thomas Kline
08/28/2007
WELTMAN WEINBERT REIS
By : j~GaC~LJ
Deputy Sheriff
of A.D.
~ ~
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
RICHIE L RICE
Defendant
No. 07-4825-CIVIL TERM
PRAECIPE TO SETTLE, DISCONTINUE
AND END WITHOUT PREJUDICE TO REFILE
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.
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#06104022
i ~ -.
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No. 07-4825-CIVIL TERM
RICHIE L RICE
Defendant
PRAECIPE TO SETTLE, DISCONTINUE
AND END WITHOUT PREJUDICE TO REFILE
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
SIR:
Settle, Discontinue and End the above-captioned matter upon the records of the Court without
prejudice to refile and mark the costs paid.
WELTMAN, WEINBERG & REIS CO., L.P.A.
By: °"
Attorney f Pla tiff
2718 Ko ers ilding
436 Sev nth A enue
Pittsb gh, P 15219
(412) 34-79 5
WW #061 4022
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SWORN TO AND SUBSCRIBED
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before me this ~~ day
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