HomeMy WebLinkAbout07-4826
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff No:
07 - Asa ~ ~~ c TerM
vs.
COMPLAINT IN CIVIL ACTION
HANY ABOU ABDOU
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
06106570 C J Pit SJS
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No
HANY ABOU ABDUU
Defendant
COMPLAINT AND NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the
claims set forth in the following pages, you must take action within
twenty (20) days after this complaint and notice are served, by entering
a written appearance personally or by an attorney and filing in writing
with the court your defenses or objections to the claims set forth
against you. You are warned that if you fail to do so the case may
proceed without you and a judgment may be entered against you by the
court without further notice for any money claimed in the complaint or
for any other claim or relief requested by the plaintiff. You may lose
money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
COMPLAINT
1. Plaintiff, CHASE BANK USA, N.A. is a corporation with offices at
3700 WISEMAN BLVD. SAN ANTONIO TX 78251 .
2. Defendant is adult individual(s) residing at the address listed
below:
HANY ABOU ABDOU
300 N 2ND ST
LEMOYNE, PA 17043
3. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number 5491040490446011 .
4. Defendant made use of said credit card and has a current balance
due of $3826.86 .
5. Defendant is in default of the terms of the Cardholder Agreement
having not made monthly payments to Plaintiff thereby rendering the
entire balance immediately due and payable.
6. Plaintiff avers that the Cardholder Agreement between the parties
provides that Plaintiff is entitled to the addition of interest at the
rate of 6.000 per annum on the unpaid principal.
7. Plaintiff avers that the Cardholder Agreement between the parties
provides that Defendant will pay Plaintiff's attorneys' fees.
8. Plaintiff avers that such attorneys' fees will amount to $500.00 .
9. Although repeatedly requested to do so by Plaintiff, Defendant has
willfully failed and/or refused to pay the principal balance, and
accrued interest or any part thereof to Plaintiff.
Wherefore, the Plaintiff prays for judgment in its favor and
against Defendant HANY ABOU ABDOU INDIVIDUALLY in the amount of
$3826.86 with continuing finance charges thereon at the rate of 6.000
per annum from August 06, 2007 plus costs.
mot..
06106570 C J Pit SJS
James Warmbrodt,42524
WELT WEINBERG & REIS CO., L.P.A.
436 ev th Avenue, Suite 2718
Pit bu gh, PA 15219
(41 ) 4-7955
F 4 2-338-7130
This law firm is a debt collector att~mp ing to collect this debt for
our client and any information obtair~e will be used for that purpose.
~~fi~ 1 Q'F 2
Statement rOr t3t:000Rt number: saes 0404 9D44 6D77
New BeWrce Paymsr,t ou. al. Peet Dn. Amount MlMmwn P.ymeM CHASE O
59.626.86 ~08r06r07 5889.00 $1,978.85
Amaxrt Errdosed I $ ~ H w eG~rsu n~Pr~ni a~dc~ ~~.
5491D4049D4460110013788600382686DDOD002
3ns:eotz,32o~n Irrrill,Irrlrrlrlrrlrrllrrrlrlr3rrllrlrlr.rllrrlrlrrrllrrllrrl
ffANY ABOU Aeoou
900 N 2ND ST CARDAAEA~6ER SERVICE
LEMOYNE PA 17049.1103 PO BOX 15169
WILMINGTON DE 19865.5,59
rrrIIIrrdlLrrdrrlrrlLrrrllrrrlllLrrrrIl,ILrrllrrrlLrr
1:5000 L60 281: 49904904460 L L 79•
OPe^i^9~Nn9 Dale. 04/13A7.ON1?/07 CUSTOMER SERVICE
°°
CHASE O °"°
rt D 20°°
~78%B "
.ym
e,
ue: a1.S
, ;699
96
TDD ,-SOO966-tg6D
Pay by phone 1.500-436.7966
Outalda U.S. caA Doled
MASTERCARD ACCOUNT SUMMARY Aemunt NumMr: 6497 01049044 11017 ,~-69I-tS200
Pravlow Belar,ce $9,856.47 ToW CrstOt Line $9.9W ACCOUNT INOUIRIE8
P
O
Boon 16290
P,scl,sese, Cash, Delta +x78.00 Awleds Credit .
.
~
WIMr,Y
DE 186566296
len
Fhoerros Charges +SD299 Caeh Aocees Lure p
,
x9,900
New BeNnae ,826.86 Avalsbb br Cash x0 PAYMB4T ADDRESS
P.O. BOto ,6169
WWn4rgton, DE 19006.6,69
VIER US AT:
Ira not loo lab b resolve Ore outalerding beknce on your credit card account. We hsva e
variety d peymsM optlons that msy be right for you. Cel t-008-792-7547 (colect
1-992-594-6200)tOt4y.
TRANSACTIONS H«'~
~
Trsrre Amount / _
Dale Reference Number Marcl,snl Name or Traneac9on Descriplbn Credt Dell
06107
S~.W /
OU19 OVERLIMIT FEE 9g,pp ,
FINANCE CHARGES
Finsnce Charge
Daly Perbdlc Rate Correep. Awrsge Daly Due To Treneectlan Aooumuleted FlNANCE
Category 30 dsys in cycb APR Balance Periodic Refs Fee FN Cherye CNAR(iE8
Puni,asas v .o6z,7x 29.99% a, xfo.7o sso.s4 xo.9o so.w 590.34
Cash advances V .082,7% 29.99'% x2,618.96 562.96 x0.00 $0.00 562.06
ToW finance chsrgea M2,gg
E6ectlw Annwl Percentage Rete (APRJ: 2999%
Pbsas see Miwrrolon About Your Account section br bsNrrce comprrtslion me0,od, grace period, end other Mnporlan[ inlorms0on
Tha Correcpadirrg APR i O,e refs d krlerea[ you psy when you tarty a belsr,ce on erry frensecllon category.
The EOsctlvs APR raproseds your but Ik,er,os d,erges - inoludir,g treneaclorr fees
such ae cash advents end heMrres oansler fees - axprecaed ae a perpr,hge.
This Statement is a Facsimile -Not an original
X O0as0e, F18~3601 000 N 2 t2 0]g3/,2 PyF t 01, 06033 W AAA 1{132 ,3t t0000e1a0re3i3at1
iIT'Tf'S://iNSTAcNfI14~C~~.~~iK0~1~£.f~ET/ST~R/JSf/f'R.INTI~I~G"I'LY.~Sf' 6/22/2~Q7
f~~fi~ 2 ~ 2
Addnw cneng. Re4+ewt
Phew provide infometlon below only H Ar addrow inrormeAon on hwd r taorrxt.
street Address: - -----____--
ony: --
Snte: --
~' --
Home Phone: --
Work Phorr:
E-meA Addreaa:
L
blrrrna ANM Yer Aeeewl
Lael r palace GNK %ere report your torn or morn aN imme&atdy 6y
niknp tlw Cwima Service mxn0er loraxl on tlr hoot of your awmm.
Adwaon w rwya agAabr b part you. You nn rwdt an Adviwr by
pnaatp 0 efnr you weer your es«w nwnber.
CraAdap of Pwymesk: For paymrr by rpWr US. maA, aeM a Irm
yow mhknm prymen dw b or post olAa ba
show on Nr smmm. Your paymwq by maH m ply M~tlr
intvwtldp on Nr srtman, and moat b• made by rdledr or moay orlMr.
psyann in US. Down, eM tlnwn an r payade Nrouph a U.S. lturxial
igtlutla or tlr US. branch of a bWgn itlandal IatltuOOn. Do rot seM
ash. Wdn your mount number on yor dietlt or money order. Ptrymenn
mqt he eampariN by tlr prymwrt aupon in Ar errvdape DrovirlW MN
ow adMeq vWbN through tlN erwebM eindor; Ne envelope arrrl
conWn more IMn oM paymm or aupan; aM tlrn nn be ro Naar.
peeve tlpe, trDe a arreaporNrbe kMuded well yor gymnL n yow
wymm r h aaeNrra MN our pymeN trlrwtlons aM la made
avWede b w on ary tl+Y exaW December qS by 1 fl0 Dm. loal tlw at
ow pat ollke box derpWed t« paymrxe m Ads arWnrrL w MII redt
the paynmb yor accsuA q of Arttlry. If yor paymeMr h eaordrbe
MN err prywN latrudbna, but r meb ratable b q efbr 1 UO pm.
IoW Amut err that office box dwprortl la paymrr on the snrment,
w wAl aedn n r yor aaorrt a of Ar nod My. n you do not foAow our
peynrn irMrrrctlaa or if yor prymm k not eeN by rapier US. mrl b
or Dom o1Ra box derpudW 1« paymenn, rraAnrq of yeur paymalt nrry
be delryad br up b 5 Jaya. Payrrr made el«bodedy Nrouph our
wtmard Yraane aervia, Gabma Service advnon, or our wtl sea
wNl M aWjrf r cry DroaWnp tlnlr Aadrntetl for late prymwxs.
Aeeear IMrmtlea RepMa1 b CrNN Raraar: YYe my rport
infomatlon about your aeaum b ordn bureew. tar prymms, mnewl
pmneN+ or olMr tlrawn m your aeaun may b rafledM h yow credt
report If ya Wok w hue reputed trceurer inomatlan to a enpl
bureau, you mry wdr to w m tlr Grdmm«r Service a0dreq Imr an
yorbiRnp WNmrt.
Metlr Ater FleareAye peek prrnnm Whr you provide a dseck q
paymen, you autlrrM a NNw r ur irdomanan iron Yow dxidl b make
a oaitrle Nedrric fund tmmm horn your ataun or to Draw Aw
aymwrl r e drdr irawaction. When w u« NdomWon from your dud
to mrn en radroric IoM Irarrr, fraNe mry w MAmraw irm your
acaun q soon q Uie same dry w recdw yor Dtlymen4 and You wH Mt
mere yow Iil/a Dark Irwn yow fnarerl irrohrtlorl. fX tlr Cumoma
«rWa amber on Wt m+rmm If you Nor glrgoa about rerdroNc
dock co1N000n or do Mt wm yor paymwd! WNCrd MrtroricYy.
CeaNWul Payaratr: Ary peymm eMck a dwr lam of paymen tlrl
you swM a for leq Ihln N. htll WWrbe dw OW r wrkee'paid in IW or
anWa a similar rontlm, «tlM you otlxdMse rrdm h IuA WrncAOn
of a dapred mourn, mum W em b pN Servlas. P.O. Box 15D/B,
WIMNnpton, DE 19850.6019. VYe rerne eN our dplq repmdirlp tlwe
paymerh (cep., H II r dwmmrrd Nor r M vrN diepub r ii ary sradl
dleck is recrwd at a7 otlw addnae, w mry accept Am ohedc aM you
MA m0 ow any rmarrlp 6daroe). YW mry rmwe b adapt ary awN
ptymem by nbmirq A b yor, not taslirp i[ or dgtroyhp n AI otlrr
aymeme iM Yeu make aMWd M awd b Ar appropMte paymm adder.
AeeW IMeewl Nelkr. N your aaouN Irt r ar.ed f«. n wAl ba bAled
rrdi yqr or h molly ImWYnrr, wMtlwr m not you u«yor «aun,
and you ap« b pry It wMn hued. The mwl lee r rm-nMGbr rde«
you rotly w Dot you MM b does yor eemran wAm 30 drys d Ar tlsn
w maA your mammt on MAM An amW f« r dwrgtl cell m 8w sme
tlme, you pry yor ouWandinp batanp h IW. Yaur paymem d Ne amwl
f« dow not anad our dglln b do« your acaum cell to Hmn yow dqM b
make Irar«liona on yow aaowl II your «nrr r dosed by you or w,
w wHl amirxn to drupe Uw aural f« umA you pry your outsmdrp
baWw in iW cell temirrn your atauM rretlomhp.
Fgreafiea d Fleeaee Charpea: We IaI1x4M peiodc Irmte rsurpq,
ainp Ar applnde parodic nor snow on ir6 srrrlent. rgntey br
rrh larun (a8•. Wlarw baMledcorrveriena cMCla cell cash advance
chadn Cdxbk trnretlon'J, Durdwq, hallrbe tmden, nYr adraler,
pranotloal balncq a owrdnn e0vrbq). Tlwe nltWatloq may
ambine dHnrwd nteporir MN h erne duty parbdk nlr. If Nan r a
'V- next b a perbdk Me on Nr aamrerµ Art nr my pry. cell tM
iMr cell wryh used ro Mrrmhr tlim Me cell b corrrPadnp APR an
dred0ed h Y+r GrdmmMr ApemeM, q amr0ed. Thw k a
mhimrm Anna charge h arty bWhp gee h whlN you ow ary Dedodc
firma drrpr, ell a tngattlal Aarlte ptarpe for rah barMe aamrr,
cash eMana, or pbeA traaacMn, h tlr mouq anted in your
GNmmbm Apnwnr4 r mardM.
To pm Na dry barrw br each day d tM eumN WlinO A'~• w nor tM
bapkntp balm for rM hdura adtl erg new burer4ans orelMr rbbe
(xxdulanp far. unPald Aarbe drrpr cell otlw ehapet), aWtnet any
Daymanr or Crepr, cell mate oAnr Wurrwrn. Ttenrctloa en added
q d Ne tranrcoon an, Or bepkeinp of tlr bplkq price n Mddl NeY are
yard b you aoawl, or a rte den d err dldn (rapt Aux dNel:
tnrmetbq an added n of Ne tlan depaitN by An payee Or a rbr date
of our choice). Feq m added enAr on tln date of a rWUd trarerctlon, lM
der Ny en gaud to your aeroun4 or tlr rd tlry of tM bArq eyda. Thls
qMs w Nat dens dory beWree. A credit berrrce k Irrnd qa barnea of
zwo. n e dry psdodie mt. apptlr m ary nelra, w multlpy Aw dry
6rra by Ne dary perrdc rma b pet your psrtodk Anrw tlurpq for
that dry. We tlm add Ne« pedodk Nwrroe dlarq« b yor dry balance
m pet tlw bepiratinp balree for M own dry. Dimon Arn ore dry pedo0k
rae Hold appy Wrd an Ar avweq dary rrria, w adA u« tlw dry
pModic nn AW apptlea for tlw avmpe dary barroe maun N tlw end of
tlr dANq ryck m nkWr tlw dry pdodk Arxuva drupe arh tlry.)
To qa yor bir WdolAe firma eMrq br a bAinp Ab+ wMn a dry
perbdc vent+) appAq, w add h of tlr daryparopc hlabe idlrgr foral
teaturr. To deWrnioe n A+enp tlary balrw, w add yor ddh bmaroq
aW dhNe by tlr rrror of Ar 0rya b M aDpllnbr bAWq type(s). II you
mWtipy tlr +v+rW+ rWy baWbe br sash leatun by tlr applkable dsiy
patlopt Me, end tlm mWtlply eadt of tller raWr bt' An weber of drys
h Ar tppkahn dNhrp cyde(s), aM tlm add al of M r«Wn bpeNet pre
ram wl also awl tln pedodc AMna dlrpq ror tlr MMIq Arcle, except
brmhorvarrtloM dw b rounanp. To gdyorbW pmbrlcltrlwme chugs
br a Opnp Arco who a maMYy ormoac Me(+) epOfrs, muwDy tlr
mope dory bWnce far each Irwn by Ala apakWr maMdy pedodc nr
sod add Ar rrWn tpetlxx.lM but will epW Ne pMOdk fwrra drupes
for Ar bAlnp Arcr, except torminor wdWon mte to raadnp.
Ones ftidw (.t n.m zt derv.
We aedw perlo0k finny drarp« on a traaacOon, he, «Muwe drupe
irom Ar den h n added b yow dary balrw unp pgenent h tut r
rrrwd an yow axown. ibvwva, w do not drupe palotlic Hrrrrce
tlrrgr on ww Durchrr Ollr dung a bHNrp eyrie A w naNe Doih
peymm d yow New lal.rce on your urrrt aWemem h Or rn and
tlme yor paymm r rive aM abo paymm d your New BWna an your
prevbw arhnlwrl by the Nn eM iime your payment wq rive. Thw r ro
qna Mrbd br balance tnnden, ari edwnca, dreck trar+dbro, or
ovadMt edwroee.
M a1Ntlr, N Ikue k a'OaWynR PneaRegl Fiaarnp' aaWea a
Rii anrwral, You wM not roar periodic Arrrfn Wrpw a arty
Remaking Barnes Art aggro b Nr seclbn it you pry Nat brutes h top
by tlw applcMle Expintbn Dme. To avald kMna dgxget on new
Durchnr whin your New Belube Indudq any Remrriiq Br+rw(a) In
tlr Ouriytrp PromeOdw Fhandrp rctlan, pay your Ir# inw Balarme
minor iM Idal of Nor RMWNnp BNarce(s) by Ne tlme a1d lime your
peywnt is tlua Fbwewr. H your wtmem show Oral a miNmun paymem
r due, M mum rraiw M rql A1r miNmm paymm by tlr tlme aM tlme
spedAed on your srarmwlt, evM H yor New Rama Consists Qtly of
OuaAylrrp PrdnOApW Fharotlp Dalarfw.
Alr, br some OueOfyhp Pnmolbnal Fkrrdnp hWncr, periods Ihmca
drrpr aarue during tM promoAmr prod bw an rot added b your
el:aud W Ww. Igtead, b+N aaumder horn bRtq gds b biNrq ryde.
Thr r Mamd Io r 'bfwnd hM«L' n a Oenrnd imerrt Dwlykrp
PrdeororW Rnrdnp bWna r rem paid h IW by tla applame Emintlen
Gr, M debmd Amer dlarpr MH M added b youraaouN q loan as
tlr Mt dry aker Ne Exphatlon Dsn. FuNrw. N you daruN under rive urns
d yow Grdmmbw Apr«nrrrL rive erared M1lwrta drrpr wN be added
b yor acoowt q won q tlr den d defalt
MLLiW N811788UMYARY
q Cap M Ewen r Oaeger AIeM Ter Rik A you AAM your bIA is
wrap, orllyau wk more Inlrwtlon about a trrractlon on yor bHl, wMe
GNmrrrher SerWa On a separar theM m P.O. Box 1529- WWntrpbn. DE
1 gpAD329B u soon q poarbr. YW mwt fwr Ironr you ro Ww the ro
Ydou m Irelphone ~ but Odnp q wR not preserve yourr Aghr. apprrad.
In yap rtrL pNe w Ne Wbwhp InbmeMn.
• Your owe and accoum numbw
• The doAa moved of tlr suepeded mror
• Dgcrbe tlw enoraM expllin, If you cn, why you below IMre is n error.
Ii ya wM more hbmmia. tlrerra Ar naa you an upon about
You do rot hew r pay erg moudn Owstlm whAe w m hwrtlpatlnp,
but you m aWt obApsbd b pay tlr earn of yor bN Aced m not h
auaation. While w imwatlper your glrrgm, w embt report you as
detlrrgrmt « rte aoAan r called tlr moved you questlan. II you have
autlbdrd w b pry yow eredt aN bN aWanWeally hm your awhps or
ohrlkrp aarounL You er sbp tlr paywn on arty swum you Wok r
wranp. Te atop tlw peymrL your letlw er sal (wtrp tlr Grdmmber
Swvla addrus or Wepibm mm~a shown on Nr stanmrq mum r«dr
w at wm Nr« bradn«a daY+ before tlw wbwtle pryment r adwtlurd
b occur.
iDeelM ReN Ir CndA GN PareWSC A you Irre a Probrm wMl Ne
quatly of good+or senior AanyOU purohaaM eAN a ends nro (eldudinp
purdwae made Mm ^ clrok), cell you Mve bled b pool fall b comet
tlw Droam vdtli tlw mrdwd, You mry red hew to pry Na ranabinp
mauN rive on Na goods or farrkr. You hue tlds Drotecdon ally Mm
tlx pandu« prix wr more Nn 850 red Aw purdra« wa mall b your
Mme eWa or MWn 100 mA« d your wRnp address. Them limhtlorr
do not appy if w ow or o«nn IM merdrN, or if w mead you Ne
adveNemeM br tlr DroDSrly or serNaa.
rA021207
~ITT~S://INST~IVTTIIui~C~.$t~i1~IKd~1~~.1~~T/S~Tiklt/~IS~~'/~fiINTDI~CTLY.~IS~' fa/22/24Q?
~ardrr~ember plgreernent
CMAt2'le 5
ACCEPTANCE Of THiS A68Ef]KENT
This agreement governs Your ctadd card account with us rairrmced on the card tattler
contsorinp the cud for this account AnY use of Your eccrenta covendbyiirk egnrmeei
Plassa reed ells entke rgrsement end keep A tar Your nrxrdus rYDU~aut~y~e)Katotss U
for and char@e Yom accauat to ap uansacdons mrdo rn yo
paY us (ru ap trensadiooroNde on y°ar account, u weA as srry fast or Gnvaca thargas
If this is a joint account troth sl ytw, together and b,diridu.GC k resporrsibir for paying
elI amounts owed, eves fi dra account it used by Duly 0O0 al you
Please sign the beck d You uodu cud when you racswa it You erd M bomrd ~g
a yreernertrTyou or arryare epdrrrized byyen use pour accowx fu soya
lard YPha9teryou use you account Drool. yovvJli °e bou°d by
t grsdemertt ~~ You cancel Yaw aseount wtihin ]0 days char nceiring Your card sod
you have not read Y°t+r aaotrat tat any prnpaso
Throughout We rpneeWrl. stie tvonis we , "us sad'trttf mesa Cbasa Eaok USA, NA,
the issuer of ywr ends lard acrd account. Tin words' • 'year and'Yoors mean r8
persons rsspormble tar mmPhinp ice' ~ °praemeot,fntirdregtlu persoawlro appied
for thr atcotmt sad 1ba pram to whom tNa eddrest bd6rgl stalemats, ac reap es aaY
pusoa who egress to befie6la onthr eccouat fie rvDrd'terd'musnsDna amore cards
cr ether acuss devises, euc~~anmunt rrombars, that tae bees issued b Pamir Yen
to obtain coda under the e9
USING YOUR ACCOUNT rsonai, laaa'ty a
Your eccouol k s cortstwar rccaunt and shoulu~ ~~ wa ~@ riot ~ nspooe'Me
householdparpasu Urdrsswa egne orhkr.q use of r sccmtat Yoe
far aiereheadrse u ssrvicrr puhesad or tossed ttvaugfi FarovesomPie.iMarwt
prymisa to use your accW tN only for veGd sad Irwlul ttansutions to make sane that you
patrtbintl tneYfro Hlapsim some preset h k aW oar respouibaitlr for
vsa your nccumd unit farpetrmssrbla trsnsactienc sad You vnli pmsm resprrnubb
f=~pinp !or a vart:actioa ovaa d it ks not pernzss[h!e
Types ot7ransaeGeos: r card to pay for yf0°~ er aara¢se~:
• Purchases You mrY caw Y~°Y cuh advatwe shacks car balance trntsfet het:ks es a
Wes, ~ ~ ~ s ~ V,h akn refu to tfram ie this agnrmarrt as a tfter:k ar dtacks
Yan rrmy cave a thee[ ropey for goods u senntes, to usasfubPk+nsaatoyoruaeeaud.
or ire olhu Dses wa agaN But You rrmY trot use tfrosa becks to beaseaies 17aiy tke
this :eemmt from othev ae,d unth~ shark may sips Wa e~ Crs~kt edvanw ehrtks
parsaa whose name is phut
era treated as cash edvaacas sn6s srahin~toronYotierenmetato Wu 1Newy~
trenstars euapt as soled ie Itds epr
checks thsttve ce8 coavetdetrce checks asbelenta transfer c ero tuGedw thedre tetra
t}ratwe cd com'eniancae V~ated es cash edv ~ sc andasretsrd casjir adraaca tetrs
ttx cash advances, mat
acrd teas
• BataeceTraastorsYovnraYvanslerbalencsshomotirereceamtswiwasw+tlt° r
cndd card issuers to alhu tinders Io this sceoar~ or o1Mr balance aanstarswe s0ow
But yon n aY not Iraruder babncrs to this eccourtt tree othaa usyrrnts v+hir Ds or ary
of our rylrtsd corrpeaies.M a poNottuoio inlet betatrts troastusoprto your evaOeN°
averlahk tredrl Tine. rn rrroy Prom p
cnd4 Gn-
Cash Advsncts Yoa may use yoar card Ia g-t cash from strtarrrads checks. town
f:om rirranei+l instiUnions teupiorg the card; or ta oiaein trtrvak ate eboiatDrtatY
ctaranry•aroruYorders,wnstnastersorsbnrl~rmforshegatbe~Wa6treaset~+s You
tickets,ersbroparaiaY~•»erenekvrag atuaYau-traFaCaadbWltbePalR~''
mgyaisgaso a tlir~~rtysarvrca to auks. psYmr
to thtt accouuri haw an eGgrblr chackmg account srhh one of oar tadatrd
. Overdraft Adsaases: g You with rrur tabled beat la
banks. you mq Gait Ihk aet:our4 to Yt~r siw u dot lfw terurs o{ tins opnemsal and
cover as overdraft as Hret hacking
your ctreckftrg oeeoma sgraomeat _
BfttlnpCYdrefoadertoarenapeyouratcounlMd^'~e ~~r,i btsivndermaatf4
~,Cfef,Eacbbt~irgeydeisapprotdantalYanamaaUriMo~ ~harta
your eeaomtl>,dq hen a by'irrg cyde that ands in dratttmrAlr Yota'eene°t ~U~u
bs'IGap cycie emfmg is sack celsader moaih whether u sot firm k e bSlMg
tar that burg eyela srsva tv~ bs ao
/tatbadied Users U Yoe egow sarrrone to use Your etxonrrt thrt s to hetoma ea
outhotitad asst You sltotrfd think canfupr b ~rsaM tpo trse live ec~owtt K Yoo caa
audtotized nsu 6eemrse yon are sgawmp tba esconat and cask cud itswd oft ya'er
Yaa andi nmafa respeos)Irlt for the can of your az. ar rya for
accotmt attrording fo Ike talon r{ ttds agnsmerrt fits ktebrd W
paying ag ebergss oa your seeoutu made fly an authotiztd are acsoent q!ae
Yaa m request en addpiorttd cs~the erom~t report[ ol~tlrar~ ut[rodtE~u
du sn, this sec ant any eppt:. U u~ ym„ reeaamL !I
You tnnst rtoa'FY as tD teredneta en authatsad user's ptrtmissioa
you notifyus, ere may ebse rho acemmt sndlu ktva a Derr curds, hacks a say aUret
accwntnumbrc Yin should also recover and drslraY any
means of access to your reeounl from that wthorited user
Fradd j1ao:Yam crrrdlFtu appears on Yorrrbdfmg stelomenis YJe maya~sot~~ t~m
credrtGneasauedtm6aQ may~beussdforcoshe~di+eces Wshsdvaac~as,btelydat9
ardy a pardon ofyour endrtFna,
cash advents hac15, ere ehatped against Iha cash advapca parson of yeot ~~ for
znd atl othst ttansec6ona an cfisrged sga'rnst yourraedhiina: ~ tus taspa nand
keeping track of Yoar eccaont baleate. inchrdwg nr/ fees and fmanu chetg
mskiapstrrshremabrcb^1DCb6irero6ul~eiotoaasd serhrsdlnthkr^gr outentt
Gna for etry nesn0.+va~d» iofhocke chargssthat go overyour uaddiine •You must
We map, briars sot n uedk Gae, and you must pay us immrdietely H wD ask you to
PpAaY e0Y emaytd.mnr yttm k
fits apreaaard app6u U any balance over yoor txad hra u the ash edvenn
At ourdrsue5ort,wo nyyincnase, reduce, a urrcel you uadrt lure,
porlioROtywrcndrlt6nd'uGaa Achang toayourcradhfmawN ottHscl olurobipation
wilaatlacreaseyoer
mpryea
Inlenelioaai 't!amsedioas Inlornatioasl tnnssctbns include arty Vansacllon Ihat you
mekelneloraigactrnoryatfiatyovmeke~tnas sdon in edluelpa cturancy~ Inca
a it is wraia w U S doNus U wr
Intnrtationad o ~ n~ =eWe carron~cye~mrw tisioa pracvdwas Tha aa><ehas ps rde ch
deters lyasin! a a nU that it salrsts either from the nape of riles
en rues to cmrvert prraasy' data Iwhlcb
ctnnn markets Iorthe epptiu}rtaprocassinp
avaitabla in the wbobs ~e nu the sespactivv entity itself ncirvssi, or the
nU taay trsry
povenmeat-rtmndafad rile in stfect on flu rppiceWe processing elan TM rite in aflocl
anthe ~~abbprrceuitrgdab meydiBulremtbe nu on fire dateyouessdyotrrterd
ar aesount tfVr srserva inum~adwrot usaexd°on,whattror Ihetinasaelionw aon'giaegy
US dofLraoosarteiprY
made is U.S dtrlers u vest made ie eaothot carrenty and convened In U.S. dollars by
Visa uMest=rihttd fA either aca,lhe JY• tv! be cakulsted oa dre U.and'artsmstionel
provldedtorsbfiTistanrityTimsamaprocassandcherpesmaYnPPh'• Y
iransas6oais reversed
Bektcal to putbariu'TrarsasUaar. We may. bm era not re quit eel ta, decline r vsncacdon
an your aceama for eaY of the toprwieq reasons.
• 6ecsosa of operodonal coosidersUons,
basaust yDtuaeeormt k is dalauk,
• i ere s+aPeet(rwdularrt m unlawful activity or,
ie ~ du'~!~, !ap cry other reesnn.
~ ae ~ »spgtclbfa lu any losses N a Innsecl}on an your eccoual 1s 6acGned IDr
arty rrasaa, eittiarby Ds or a third pant. swan J you have svificiard eredil sveL6le.
Fat oyfitre traesaeiwru. ere taey regatta that you ngfstar your ucount with an
atrtlrod~tiDn ~m that tin select Wa wHl ratify You G wa warn you in npistat N you
do trel ngiala~vve tray dec6ae your ortTma transacGou
AaiasatlaPaypKd~~tbchsckyaourrueisYourtaquasttortands Whenwareca'wa
a ~~ ~ PM~oL too may nvirw you eceount to decEdD whether u atahodza tbri
chesttNa mar, but are no! ngoired ta. rrjsct and return unpsrd a check tar arty rasson.
kmttrdm>t tin idltm~o+g axempler.
• W~ K saw otoar reletod eomperdes k the payee on the cheek.
• Your etaafafiur ot•~ e.porGoa of ytarc cradit fmo has been osceaded, w would
be erscevded~wa p~ld the check
7ym c]teckispDSt-dated If s pcst~Dted thsek is paid. rosvitinp in another cba:t being
remroed trr sot tad, we sn not rsapoeslbla-
• yo an eah tx ofd bpi if wadpeid Yta beet n
Lost Dt SbteA Cards, Checks ar Acewal Nnmbar>~ It any card, chock, eccwnt ntmrbsr
or athu loans to stress your accwM k IDSt must n Lor asset once 6y cal&rq the
may aso them uridboul Y°Uf Pumrssfon, Yov 'iY
Certlrtte++tfiu Service tatepharre number shown oa your card or bRGng statement Do not
ass ymra assent abet yea aoblY us, even i pour card, check eccouM nvmbu Dt other
rnaears la aeeea Wv- ectwmt kutouna or b karts ~ ~ u authur'a~ed use related to your
craditprraiapaswbooywnolr7Y nY
a tCarai rrer r
Yrw may be r!u, a titer°'s unsruMrrbed :tar yt ;mot" a -- • •M : s ~t v.'~itb i=' rr_cn_
~ beauty, bW ymr wi! Iml ~ GeMe la mote than SSp~D of such iraazactmrts, and you
veil not be bye Itx say sock transactions trade altar you notify us of tiro hss, theh or
onerrdroritadaa•iiownrer, you mnst identGylor vs [ha vnsulhwtted ehrrgac tromvrfdth
ywreeeivad evbsnrGt.
Wa may »titite yyatuPtwrds us fnlormelion in wriliap to help us Gnd out whethepprned.
yye meY airy regr&ta yon m errrrrply wbh certain ptacedures in cannsctitm with our
utresli0airoaa
PAYlV~TSt~~ Yvu< bBGng steteoront end sccompetryiap eavabpa include
Payment wnlhh
insproetioas rev moll lopaw !or mekiag payments and sets { the data sad time
rddcb vue titers recstre t!n payaront
Yos t~rt» to Fel ~ amwnts yre otw m U 5 doflors drawn on iuads on depositin e U S.
Gnent~ bu~la5on cat the ll S. branch d a fmoign Gnoncial institution uslrrg a p&ne~rrr3a
e)~tnorwpuderorwtDms6edebittbatvvib Yo~rrr totol evelebin e»c a d may not be
InttiWBat.1Na rrr'9 not eeuPt cask P ytaauts
nsusrdfart~ tD 15 dsys.akar we ncmvt yoor payment
Aa7 peytnnnt rdroct or other {a•.w -tl na;:aeol vstdcb yo: send to us i=• Mss rhea 1M_ tai
i•nrnes maiismarked'-reidin lull m vrdh a smdiu aDtevyn Dr Ihet ~.u olhererrse Jnd^•
in wp radstretiw o! a disprdad amormt (eoorRtional paymartts], must be sent to us el Urr
c~paetppmeatsarddrasslistod oayDUroronrirtY stnsmant Ws nssrve ail om right
rs9erdbt! s Psj'~nt' For e:emple, B h k detumined fien is no vtGd esimd or
e~~p~naadrsneaivedatetrymhersddrats vremsyecesptlbepaym Y
will str~ ovva arty iemeitdnl bathe ~e jarnuroY re~us AG othof P Ymenls Writ you met
ratrnrtbtg rt to you, not cashing by Yin4
std tin sold b tba regular payment address shown on your monthly stetemants
Wa reserve ells right Ia rlecvonkepY cdlsa Your atipibly payment checks, 01 Ter:
pnsaa ~ oi~w e°p ant chach u y~owsuthroriretian for us tot ollecttha emounWr
Orr lac pt- Yo P Ym
EXHIBIT
lha chect alocuorricaty, or, R ended, by a drab dsswn ap~bt ~l~ i ~^p
Peymrat cheats vv3H 1h cotosud abcvodcrty by ur b r~dt Yore beak eceowd may
i with for cheek ruWirp and aeeornl numbers ro W m 7ia edginal pryment
be dabiud as catty as tM soma day xro naive Your gayrus
ch.ct vrtt 6a destrtryad and en image will be mrimernad m ow racorddrsM es siwwn
Minlmwa Prymorrt Yoe epos u prq at mast the minimum prynratl ~ a due
on yaw btfmp ststarnard. m that wr nuiw it by the ilea and time peym
You nroy Pay arora than tlu ernis:rm pryment dun and maY Patrtha Itdl rarovel you
dws us at any fmu. !f yav haw a balance That is srdrinei to 6naner ehatpac, flee
soanatyonpayns,the hseYonwtl psyin Wance chargasbscavsrAaenca charges
accrue on yowbahaco arch day 6dancs {Up
Your friAmg stsumrM shows yaw bepinninq belsau and your rrrdint
'New BeMrci on ytrw btRnt statramt) t the New Bafanw is Ste op w lets. Your
mitamum paymaru ilea wit !>. the New 8dsncs. Dlharvvlsa, h cell be the lerprst of
the falkvda:iKStOlf~29G of the Mrw Bale end any btMd ton s t~aovartndt f rsnAs
inlet bthd periodic au finance chsro°L•
pert of the mlpfmmn paymora des, wr also add any amourd Past due sad any sequel
werY°w craddifna
Peymeat AAecotion:You egret that wa era authorized to rtonu your ptryments
end sredds ip awry oar ~ oat ntssnd vadiu to b lances wuh Iowar+4PAs (such
euthadzo us is app1YY P YrM
as pmmotiond APRs) bdors bslanus whh Nphrr APAs
CridA 8slruce:: You may npuasl a relrmdthe smormt of cow cMrpis orhas btllsQ
rrduulhe emovM of any endA bahncs by
to your scwugl
Autamape Cbrtgss: You may sedrwka r third petty to automadcstY cbrrpr your
ecwutd for npeet itsncecilars (for esemplr, monthW+nipA'th+r9n. membrrdrlps
and'ms+vana prenriarrts) If eutaneile clurgas era stopped !rr anynaswt (brchdtnq
becalm Your rceonnt is closed or sgspende6 for arty rsesorj or pow aceonrd
nwrrbet chstrpat,yon era rrspanslbie for rgttylnp pre btlat and paymp Lhasa cba-ges
directly l(yaw account rwmber chanpes• we utry, but sro noLreQa:'ed la Pay k='"
your taw assournmrmbsr chrrpes that you otnhorizad u he bHed tr your dd aceau"t
number:
Pmmoilorts: From Lino to ilms wr may oHar spacial terms im your arc b~ io oflect
do, vw t~ redly yon about the tams of tM oNsr end how loop that
protein ndoHoc subject u the terms d this agreomanL n modified by the.
FINANCE CyppCES entatls rotas
Duffy Pariodk Rsus end Aeeud pera~~c rotes of oufisud mr th,~Rntas and Fnat
('APRs? and the eorrrrgramlinp defy p Ta the daily
Trble Urat is st the and olthis dueKUnsot a provided srprrrrtefy ~ ihr filth
periodic reu tvo divide the APR by 365, end an egret siwalrc roved aP
pla ee n the ripkt d the dacbnd point wAh cbsnpes
VadabU Aeurc One to mars APRs that apply Io peer setAUnL mayvary
to the Prime Flete Whrrt Yes law en APR that vsrhs vvitb afpngvs u the Prima
Rau, Iva oeleubte the APR fry adding a margin u the Priaa Aau pebtshsd in The
WatSfreslJavmeltwv 6nsrress days W fine the dosieg Dau cbww+ is die NirmsY
statrmarrt Tbs •Prb° Reu• is tba bipbrst {11.S i Prkns Ran pubislred
Rees sscilan of T1a WsASUOSNaarn.r II Tarr pyeifSvestJoorsrlstoP>:pubtcfiinp
the pdtna Rau, we vdll ssfaci s neuter nFrrena tun end krlnrmyov on yew bong
sistemew of lfttnWf- a saperru napes
A •~giri is ilea prrcentrps wa add to the Prime Rita u e.aknlsu ilea APA A
'busies: dttu-Y dsY ~°t rs Dot a waekaad or foderei koBday Thr Aaus and
Fa ec Table h taut, T stt~ en van~m n s cwnsponda for
each nrfabie rota end say mbdntrer deilY Per saument vra `ra
Two busineu drys beierr lira Gosirg Drn shmem on voter et<frrp
what dte Prlaa Rau fs. Ws dean add the eppGcaWe erarpra a tlut Pdma Reu to pat
Urn APR The dsAy P'r~c rsu r: wkrdetsd az dascrdren above
If aw eafeulydoa rosuhs in a chanpa In a dsty Prirodre nu from the Provisos br'tinp
cycle because the Prime hots has cheeped, tlu new eta vatl apply es of the Wet
dey d yew bt6ng cycu thrt ends in the cafandar month br rvhi,h rva men a~~~
eeleuhtlrrt iitfrndsflyperkdrenukrererut,youwitlhevaupay h~° P
fineoa charge end may Nava to pay a lirgher rmmmum paymnn:.
or any ether egteem~ YO° b'va wh~ ter any of ou d alet~id comP~u ior~ repel
the lotowfrrp nesvtu:
• Vlh do net naive, for any peymoM Drat is owed e ~ ~ olu~a[d ~ ~d lane
eccoum or tan with us. et hest the nirrdmum Para
due,
• You exceed your aadit fins on tfdt secoattt
• You make a payment to res. thrl fs rem boaorod !ry Your brnk
• Tothe erNM tlluwe ul~yout,~i ~ shoos and vas do cr•t naive paymo~nt
immsdrsu Payee
wn756:.`redinewaspr,cty ethrAPRspncfudrrgarryPr°r°bdonel
If nny orthesa evurls aKUrs. r ~rt~d nns:asl up n s maspnum of ihs doisub
AP on atlbrtancss(s>;clydintl
rate stated in Uda(at~ nt~ fheslengdr of firm Yow aioor°~ hop f°p°R the
determirre Yew of the deleuts on your secoenC other inda:atrons
e~strnea,ceriausness and doing
of your ascovrd usage and perlemrance; inlormotion about your other reh8onchlps
vvdh us or nny of our refeted ermpardes; end inlormedon vn obtain item cvnstnnar
cndt reports ablained krrm trade bmreus The dalsult raee4rtl tab ~ awchese
ttie firstdsyalthabpling cyek inwhich the dehuh accu+s,'and sa'1 aPP1Y P
bahncrs Iran the prrvians bilfinp ryde for Hfirch periodc finance thsrgaa hove
not6rea drndybitlad
11 we ~r3da n APA ~ w ~~drr urn dal tilt i u :salad (n the fhtas end Fros
iacreaa prate
7rbb. we rrsrrrn our rfpht u incrasse pow APR in lba averd d eery future daf au
Wad robs ~ ~ e~ ~ ahaces~aa ymu acrc~lstrt ratan a nlnstato
Fraana CiarprCslcrdsrion-7Wo-CYeh M'nnpn DrByBalwu Niribod padrdroq
NawPaseMaliwPnrcbnsssarrdAvarspr pnRy Bateau Nlnl6od padndlapNow
Troasrrslinrsl !at Dtbsr Tp>4sacdoa>» We cslculetr periaAa fasaa charges
pparslef)1or aach~b F 6sLaen ~ un~lars b~a{arrn~r vsrrsfrt ebagcl~g, r sir drancers,
parrxanrptgpurc _
o~° y~°, difrr ~ ac tspariaswiBr,he srmardh y paro ~e~ua~ Isdbow h
works.
Ws cakdan iha patiodfe 6amce clarpes for pwchsces fn hvs slaps, as lolimnrs:
fret ins each day of the bang cych, we mtdilphr the dally lrstrner by the daily
periodic rate
• Ssconti, fee escb day of the pnvioos~ lifhr~a s~ wr mtthiP ~ favor
for pnrthtrsrsttade in that 6 ap r.1rc by °AY P
we dr eat do Deis sacand slap R wa nerived payment is trill of the Hew Belanea
~ypprpratdans btGnp sUmmtrM byths date and ilma the adrtlawlnpsYrnant arcs
der or if a ptaiodte finanor charge was already billed oa brat bdaan
Ws eelcrdNe tla pariadic frtrnca chugrs~l~ rp~heses subject u a promotional
rote the lama way, but Iva ust the promo
We eaicrAm~ faence eharp*s for baNau uanslas, balance uansiar
ehaekt,ee~ ensktrdrenaaabanks,°"d°'rordrrkadrstreas,bymutdplylnp
the defy batenes for rack d Nose cangoRas by pre daily pariodre tau for osch of
thosrataperias, oshdny Ywr mrtrhave overdrah advances mdy6yonhave linked
this eaaeatm a chackin@ accnoet vvnir one of our mend boats Wa ericulsu the
prdedie bran eharprc for balonca transfers, trahncr transfer chocks, cash
advsata:c, lead each ad~a~reaca ecks subjad u a promolfonel nla the same wry.
but era me do proaroil
To galtia dedybehnea for arch day for each eatepory:
• We take the Mpinninp bdancs for that day.
• We add t. ikst beledcs eery aevv transactions, leas, other chupas, and debit
add that apply to that category. Wa add s new p~elresr, ersh advance,
bappcelransiet or rvardraR advance, if eppfrcrbla, to the drily balmca ar of the
tremrdra d.u, or a Iaurdata of trw chorea Wa add s new cash advann chock
or f trorafst shack b the dally bahner es of tlrr data Ihr cash advance
eiwek a bebrrce transfer check is deposited by a payer, or a later dale of our
rdraice Dots that
• 1Ne mblraq kom thrt bdanca any paymsMs, uadits, or cndk edprstm
rppiyta dal ~atapp~ry sad that ors credhad as of that day.
• yya (tart s atodit b:lama u s brhrres of :are
To et da Mti~w 6alaecs for arch aanpory for the nerd day, wr add rho duty
p~o~ faa>*+ cbrrgr u tie dsih balnrraa tf mars Ihan one da8y pariodie rate
aayjd n s catopory bsarrsr r ran tot the catapay mryvary based on !ha
a dnp tirlamuMfair~wnnl at the end of the ~p~cytirno cokWia~the
iwtbe eeeaepa , tY
dsty prtiodfe tmencs ebrrge each dny Thk epreamoat provbtas for daly
cpmpraatdbp d fmsnn drupax
To ppNq tba teed prdtrtfic Rveace tdtrrgs far the bilfrnp cych, tNa add all of the daily
pufoiie 6eeees charges !or cash catrgpry !or rock day dmiap Uat b~inp cyels,
AnraCV nhstgas on purchases, H eery eppih teethe previous
bit ~ yar.y trq, Parbdte tinanoe nharpr is dna. wa wif eharpa you et
leadiba rrbrhaura potbrtte tbtrttea charge stand in till Rates end Faea Table H It
is trwssrYn add as edddroasl eegrmt to reach the mirt)muor Tinetue chorpe, we
odd shad aarotmt n the balrnea for purchases made dnrinp iha bitirrQ cycle
Tha laW Meseta chrrga ov ywr account (or a billiap cycle volt bs the sum d rho.
pvriodia tiasace charges pbs say iruuacilon ter finance chsrpas
ForracbatNmYwe evlcdau eo average detybrlsnce ~gcludmp env Verrcechonsi
lot ~ berry ryeb by adt6ng ap your deny balances end drvidfap that amount by
pu aoabar d dips in the blimp cycle If s pariodfs Rnenu abates for purcbues
~~ duirlgda ~~eL ~„g cycle e~rs, lira rvarope deBy 6ehncalorihosa
pprcbesKh wkuistsd the :ems way yon mtdilply tla average daffy 6siance for
act4egarYlrltbeteeisgor~'s detyperiodre tau, endd mrddpylho tecukbythe nnmbar
d days Yda bltutg eyeh. des told ~ sus tl forpmbgr vadsilorrs dna o rouondmp
ba>soasadlvtaWrnthrtl'il6rrgeyela p
CncepsriedrndAeeroef of FFnrase Cberpoc Wr aecroe pa$odre (menu charges
on s trmsecdo0.la, w fawrce chnryr Irani the date it it eddedu Your defy bafence
umtpaymratlnhdl is nsolwd mtYaweedarin~ s 6r'6np cycieBvve reaf~ve peymaru
Gneaacbrrtesonrrowperchsses at is dna endwo
a yea: New Bnlenes by tM dell: and tl.ns yrrur minsammt paymn
reeeired pa}rront of Yorr New Balance on your previous b p statement by rho
den and tiro Your paymerd was dna. This axcepbon m'prece proud' a pplies only
lopwehatssead does trot epplYtabaleneevarnlers, bshnee vanstor chocks, cash
edvaeees: usfi sdvena ehaelts nt oro-dreh adveneas, t eppficrbia
~he~audb~thaNeto~sndFee~Tsbhlor schol hefopwv+ngvoncacitions•
• cash edvatae chocks:
• cosh advraces
.,.:ten,
~eya :. ~:
in sdtfaio0. O You trsa a third Pang service to teaks a paymeot on your bshdl and the
carvicr clurgos thr Peymed Io tray accsmd vw may cha-pe a t»asacUoa bs tar Urs
payment
7hesa tta as 1 lira usnnedon d-te of th tsshuadvtmta Fro thrnm~ea; ueasacbon lea
cstopory
for a cash advance would bo added to your task advance bD a; balanta Irenslw Tea in
Trsasaclion Fees isr Batsnce Traoslsrs: Wa maY chrtga y
rho smouN staled is the Rrios and Foss Tubb for oath of the lollowing l»nsaelbns:
• balance uensder cheeky,
• balance t»nsiers
7huse usnsscUon leas era finsace charges We add 1M the ro iha balanta for Iho refatod
ealegsry ec of the trensection dsu d the balance lmrrsfar. For esompk, a Irorrsaction
fee for a balrnea uanslerwould be added to your bslanee uansirr balance
p'iSiER FEES AND CHARGES
VJa moY chsrgr the tdlowinq Isos The amoants of Uwse lass us Talad in the Rates end
Fees Tartu Thatalaes vvRl ba added ro the bdsnca tapurtheses made dutinp the bi0'erp
cycle-
Anntml Mambatship Fax O yew occouet hu en cents! msmbarship lea, h vr1R ba bf0a
seehyserorinmonthhlasL~"an alanmpayt~w4reatsbBlad Thaa7meuf~rnbo~rsbip
seeoaut. and you
Ea ~ n n{stun able urdess you noa~ es that yea vr>sb to ileac your aeeorml xn't1dn3D
days of the data ova malt glory bUinq sot ~Uan~9 balms is ~ Pa~a~ a
charpad fiid atths same thn0. you pay Ysur
the snood rnambarsh}pp flu does not aGact mfr upfrt W class your rctount or
ripfrt to make irrtuaclions on your etcotml N yarn accttwd is clozad 6y you ar us, we
wiR eopdnna to dtarge tfra annual rnmrrbstship tea anal you payYoaroutsUndaR batenty
in full and tsnrdatrU your eeeauat relatkmsbip dyad minimum payment by Orr. data and
Late Fax N wa do not neiNa at laesttha req
time N fs due as shown oa yew bt0inq ristattmrd lot any b'dgnp tyela, we may charge the
tots Ise tdtotvn in rim Ratas~, Pr aeviox Bskrtty an the currant month-s stoWtaotd drat
cutr.datu Stn M.s he :tying
shrove the Tale tae This bloats is the scare ss Ure New BaNnca shsam oa the prioi
monW's sUtemont Isr which we d'id nW »coiw at Isori the raqukad mkdmvm p yin
by the date end tone h was doe
dverBmitFse: if yew eewunt balanta is ova, caWOwFBr~el<kloa 5Ns m Y s ~ t ilea
cycle, svsn it otdY for ^ day, we may cherg
evenRyovr balanta k overtM cradle Oae benrso al a fuusaea r:lutga arlee vw brrpossd
or a tronsscdon wr authorized Wa vvN aol charge trroro rhea one owrGm shswn R m
bRilnR cycttt But vve troy charge an avarfmdt lea is substounl donee s~1Bl is over your
new uatrsacdmts are reeds an Your ac ~~~ ~s
tread Goa d sett dine doing are subsago
Remm Paymsd Fax U h1 year psymeat check or skrdler Instrwaent is not hoatuad, Ibt
an arnametrc debit or other decirordc paymtuak rsturtred uapdd, or let wa mnri rattan
a payment aback bacsuss N is eat sfgnad m tannd be processed. wa may cherpe a
return paymatrt for.
Rvtnrn CbstkPoe: l[ l01 we stop payment oa s cash edwnu cheek a balanu Inttrler
chock at gout rsquast, of 161 the relays W pay a cash advance check or belantr uanslar
cheek wa troy durge a rotten check be
Admtaistrativo Fsas: N you request a copy d s bINrW stetgmerd, colas dreh or other
record d your seeood to N you »quest two try mo" cards or arty s la>~a arviers
aresmpla, oirtsinirrg cards oa aaarcpadltad basis!, ws may charts you
Hawavey wa wr7 trot charge you far c s al bRlfigy assert against us mrdu appl~ubio
dacurnadsthal you ragwritor a bRRrtp 7a avfde, are
law. Wo may chsrys, kr srry sar+-tss Griad above end otnar ssrvitas ws pr
lees Irom lbw to tans m eflict when sva oger dra earvk..
DEFAULTJCtOLIECTtDN
Wa may tansideryau m ba a dalauh R arty of fiese occur.
• VJs do not »tshe allaari the mbdtnum amoant dt:s by the drt• and time due as shown
on ytrot bviGr-g rtatttmetd
• You exceed your tredh Goa.
• You IaR ro comply wdh the terms of this agraeraent ar erry wreemtml wAh one d our
»Isud comparws: _
• Pay Y°f~ s6~ us or to orbs ~ ~a sGeva thotyon may oa urwv~inq or unobh to
• You fRe for bsnkrnptclr
• You become hrupacRelsd or in the even! d gets- da:dt ,
It we etmsidar ymn account to bs in defmd6 ere trraY dose your accoeet witirovl'oodta
and »qui» yon to PaYYour anpeid bdaan itmwdhlold,lNr also may ngrrba ya P Y
interest at the refs of tyro peteenl12~1 a rsmdit oa the unpaid balance when vw dram
your eteot-nt to ba six at more biOmg eytiae pest due.
To the erttant psrnvttsd by 1rw, d you era ~ dateuk be'sauca you haw IeRed to pay us,
Yoe wtR Pay oo co0aedon tests, omm~ayt' fees coati ease. and aR other a:ponces of
enlorthrp oo clghts under:hrs agraemrnl
C[AStNC YOUR ACl,CUNT caR us to close yarn account. wa may
Yau map eivse your aceouM at ony time N yea -
requirethat you confirm your request in wrhirrg d ar rndit rivBapos. et any lima for
We may cbsa Yaar actaurd at arty Ume or rrrtl-sn Yv a Ikebla Taw 11 we dew your
arty reason wBht-ul Prior nodes axespl os regtrired by PP Iron closhig Yotx
servant we wiA trot be Oabie to you for arty eonsegnaaces-resulting
accoum or suspending year credi privRsgss
N you Df ws close yrror ecwunt, Yon sad erry authoritad users mtrri bmmsdtetaly slop
using your sctaunt end destroy sfl arils, chocks orotitsrmaent to atcsss your aetovtd
of return thorn m us upvntoqusst Yes wRl eoamroe m be »sponsibk tot chsrpes is Yovr
accoterS-even if they an made or pracsssed atteruour account is cursed and Yon wRl
i:diAi2o:
c'.st.
ba requited m pay the ontslrndiop balsnca on your accouW accordGrp to the terms sl
this apronmr+t. Is rddido0. to 1M aaont aRowod by tarot. eve mry zsquirs you to pay the
oulstaadYrp balsnu immedelaly at et my Ugro shat yotx acctwat k ebssd
ARBIfAJiTiQN pGREEpENf
PIf~16E ~~ THIS ~ CAREF1R11L R PROVIDES THAT ANY DISPUTE MAY
BE AF301.Vf0 BY BINOiN6 ARBITRATION ARBiTRAT10N REp1ACE5 THE RIGHT TD GD
TD COUNT YOU WR.L NOT BE ABIF TD BRING A CLItbS ACTION DR DTNER
~ppESp~fO1TNE ACTSDN IN CDUAT SUCH AS 711AT !N 7NE FORb6 OF A PRIVATE
AT'iORNPr 6fNERAI ACTION, NOA WILL YDU BE ABLF TO BLOND ANY CLAIM IN
ARBftWO1DN AS A CIASS ACTION OR OTiIER REPRESENTATIVE ACTIOk YDU WILL
HOT BEA9LETD BE PART ~ ANY iaA55 ACTION OR DTIiER p~RESENTATiVE ACTION
BRDU6HTBYAN1AroCTI0N.11dTHE BSB4CEDFTH65pRBffR/1T1DNA6REEMENT,YDU
REP1
~~ ~~REAJUD6tEDRJURY,AND/DRT PARTR:IP~AfEmORTBEREPitE~MTED
IN A CASE FILED iN COURT BY OTHERS (INCLUDING C1ASS ACTIONS AND OTHER
REPpESBlIpT1VE ACTIONS). OTHER R~HTS THAT YOU WOULD HAVE tF YOU WENT
TD A COtlitL SUCH AS OtSC17VkT4Y OR THE RIGHT TO APPFJIL THE DECISION MAY BE
A40AELMYBiEO p(CEpfASOTHEtOMSEPRttVID® Bp,OV~TIptSERNOtfS ARE WAIVED
g;a~pArbilratioaTiOs prbBr,trortpgrsaereaais made ptusuaulm avaraorniorrurwlving
Intarstam crrouprto, and shall fre gavtmrad by rrtd be spforcuahq tmdw Ure Fedwsl
A~r~~ptw'FAA'1,9US C.51-IB esilmaybe euesadad Tlds Arhdtetitm Aprssersnt
sots latbffiadreetnstanca and pracrdnrrsuutdarwhith dakas lay daRnrd bohrwlmaY
ba resalwd 6yarblusdon igrteo d btriog WpeWd in court
Pst6asComaLFarihePtdPasssdthisArbb»IionApraaarrat-wa:'us:end'our oleo
incpdasootpanrr~subsafunas, afRstas,licoasaes,pra~eamrs,svtussors, azsigns,
soy parcbsaer d you Acwut0. and slat Utoa olfrcorc, dastRors, amploysac, epents,
sad msi~+a ar erry end aG d thorn Addigoaegy,'tve :'ei sad'arf shaRbrtinda erg died
Ae~ ~sSt:,settdeas, or prsdtrcts in trmnecUon 4vNh tbs Accounlfmclud'mp
but not fsitsd to txodh btmeus, muchems that a eFapt arty rndll dsrica issued under
the Acctaur), rewards programs cad aatolbnosl series:, uatfm kttxrann corcpcnlss,
dabttdbetors. rind aRdtbairoifitsrs, drattors, aruployaos, apsals arrd nptasordadvos)
~sndpilgi;,ratbr drYd partyiseemedbyyou es a ca-dderrdwtinsrry pel-nyoa assaR
egatusl as
pates Csvaetd Ehhar you or v+ra may, vvilfrout the other's eonserrl deer mandatory,
bindirq trrbivetbu of clelm, dispute or com-ovarsy by dthsr 1rou rrr us epimst the
~y w aguiruttba amp oysas, pazents, subcidkries, eiSSstas, beoaticiariss, eponts or
ew{gae d tls o1hmG etisitrp Tram of rabdmg ia•any tpsy m for Crrdrsambst Aptaemtml
aay~~dmtuabmAgrt-amutt,yrrtu erad'uurdAeeotmt wtha adrordskrg.app6udon
ar sppautrai d your Aewvrd Cq.im7•Thie Arbitration Agrataaent paverns s Claims.
wlrelbar sect pions sn based oa Isai1 statute. wAt»tt »pWaOon, otdinanca, tort,
ttuaeeon IaeR erroslBtdload Proarsior• or any 4gd thamy d lea tint as »spondaat
syppiorarssryodrarbgaloraqudahla grotmd sad wbatharsncbt stale as »madirs
moaaydtutnyes, psndlir0.lnjunedon0.or dacirratory m sgeisblt raGal. peters sublact
totblt ArbitraSanAWaemaMmdudo palms rspardutp the eppOeebRity d (his AddiraUon
AgrsamaasordrrVafidigtdthasadre GrdaromberAgreameaLar arryprim Csrdmambsr
Agrvemeet TWs prbtvedoa AprnmoM indudas pairus thr emote the Arpin asim is~o
in 1M presso! or the tutors. As used in This Arbilrniun Apra
hapivgOtalrmadsstpossibismssninp. _
geiurssr~mubNstioad~ rnfb ~sorw'setr°ndaparttrwho tiniWUs procaedin in
dyad party dams, brtsrpl
emrrt yyy let arbiustion with rasped to any suck palms advanced in the Isvvznit by
~P~m~s. va ralsir tlm ripbtm Parsee ar a sauO
As int inWpdail fa 1hk Arbivedon Agraemonl Y
dairaewrtarNpakaOrstiswithiu thslc~urt s lurisdiclionand procesdc on an 1nrTnidual
6rsir llaptuty eMctsm arbitrate a Chim,tha arbgradnnvra7ba coaductsd as anhrdrvidual
attiWt_Nsilbt:t got: trot rn ep»o m and erbWe:lon oa a Jas; yr ropy sue: tbU:. beta,
and Ole etbilrata sbaG have no eudrottty to proceed tin coat basis-This means Shat anon
R r days seller scdorr.kl8a~ ~paka batwa~us~ r~elemd mm are issnes~ aod'rpir svth
sttsraeYgtmtraf ~
IavrsttisttrY bs mblatt to ea trd'mduel arbhredon actin R aWrar you yr ws so duet.
Ho sriitra8su hniB bo cmtsoGdond with arty oUrer ubiuatron prtxssdmp withou- the
gty~myppgn~ ara{i}~ios d-broughtbYusaOsiustYauo^d°rR'e°'eppt;eanl
etxiarutbK. at sudrodzad asst d your Account. of you hales or your trrmse in
bautrrrplry m 1211-those 6rotgErl by you sad arty tx-aPPGRA1• !Dial eardarambou or
ettOuuited saw of your Aecotm4 a goer hairs yr your irnstea is btrnkruptty egetnri as
~~~ d Arbitadon Thi party fifmp s Cldm in arbNrelioa roust ehtrose one of the
lolberlrrg tyro arbitration sdminatretorc Amtaicaa Arbivadoa AssodaUor or NsUonet
Arb1Ua~8altFarom.Thesa adndrtfsuamrs erokrdepandent Irom vs The admbdsvrior does
not eundtrd Ora arbirelum Arbiustion is tronduttad tatdsr 1M roles of the selected
etbitradaat edurbristtetW 6y an bopoAis) thbd party chosen is accordance with 1ho riles
d Ora sabered srbgrutioa sdadrdstrato- and ss may bs Prmridsd la tlds Arbilredon
pyraowne, Atry srbh»trsa haarinp that yon attend shag bt tart n r Platt chszs~ by
the arbitrator o erbfuatrm adwrr;-Valor wnhin dm iade:sl jttrOeial dretn:t in which you
rosids at Ike dine the Germ k (Red, of al strain otter place to rrbich you and we ague in
w>aiop yea rosy- oMsin espies vt the earrsnl roles d sect of rho two arbitration
edmuisarrAOS. atlom-edon ebont srbtuation end etbtvatSon fees, and insWtlions for
(nilisiry arbhratina by cmdotdrq the arbtusUon edminisuetors a ldlows:
Atesrieart ArbitraOoa Aessttielio0. ~ Madison Avemre, Roor 10, Nevr York, NY
tD017.tt6g5~,Wab sky. wwwa~otg.BOD-771-7679; ar
Na6tsal ptbfiltsiioa Foivm, P.0. Box 501St, MinnsapoTis, MN 55405, Web site:
wwh-arb)Iradan-fotom era0. ~0.474-2371
Prvtedaas sad law eppRenble in orbltrallas. A single, nen-rsl arbitrator toil resolve.
glom-Tbe erbtuatorvdp aitttorba a lewyerwith et laori ten years a:porisnco ar s rerirrd
or former judps The arbdralion vuig br conduuadvrederthe eppgteble procedwes
end rules o[ the arbhraUoa adminisUator that ere h epset oa lhr data Ibe erbilratinn
Aprsemuerrt,'run whie6 Cis this Agnomrot wUlerprwei~Those pr cedures abed rotas
may limit the amount d dhcovary avaReblo to yor ar ur Ths arc6Rrer darn( s of
appUcabls sobster+tiva law cwrststord whh the FAA snd eppR
fanitation0. and veil honor claims of privllsge recognized at Irw You may choose to
have a booing and ba rapreseMSd by coansel The rrbilrstw wig rain nasonsblr
slaps to protect customer Aeeonnt information sad other coreRdeatfei iniormadoa,
inclvdmg the use of protaetive eiders to ptob'tbit drscbsure outside rho erbitradon,
it raquasted to do ar by yea or us. The arbitrator ret7 has tbo Power to award to r
patsy any damages or oUrer reef provided (or srdu eppicsbh law and rvUt not
Novo the penmen to sward regol lo, sge'tos~ w Iw Ifs betrsGt of airy perswt who is
not a pertyto the ptoestrdrry tl tfs hw erriholizes suet Hier. tba rrbivetw may
awned ptmttfve damepu ar ettorary toes The erbgrator wtl make etry award ra
writing but need not prop dusrttbtsatorrtirue>orrvr~ roerrdseesbri~ef statormbanl opt tide
Upon a regt»st by Yoe
renstms for the sward. to flu
Cask Wr wig relndwru you for the Wtial erbitrutoa.fifmg tae paid byyou up
amount of 5300 upon rawipt of preol of payment-Addhlorsgx H Uuue Is s hentiag,
von wN paY any leek of ihs arbitrator snd erbllretba sdapaislrolor tw the firm Iwo
days of that haatinp. T6s peymral of airy soeh hearing toss by us ~ bs souls
diretdy to the arbitration adnbristratw saletted by yob w ra pwsoerA to this
Arbitradtm Agnomant AU other lass will be agoesud k keeping with the rotas of
the arbitration adminisuatot end eppfieabie law i{ovroveG the vviN edvaaa ar
reimburse filing loos and oUwr Ises A the srbit»doa adedrdstretor er arbitrator
datertrdnac there is good rsetwe for roquUbeg na w do so w you ask us and wa
dotorrtdns than Is good cerise (or doing ca Eseb party vvAl boar the expense of the
leas oad costs of that party's rttornaYs, ezprrts, yytalaat0a, dOCUmerda snd Olhef
expenses, rogardhas of winch Per-Y prweiis, Iw erbitrrtien and ary rppeel las
perrniried brrlowi, ozeopl that rho rrbhntor shag apply my aPPFcaWr faM' in
detetminhtp whetHar a petty should rocowr arty n rU lass snd costa Irani another
petty.
Ealoreotnrn(, finality, appaafa Fagwr w any dairy in anlorcing Uds Arbitration
Agreemem et say time, Orin cormocYon whir rnypardndrr Clehn0. vBll Hal tonstiurio
a waive d any rights to rogahs rrbiuslior et a late this or i;~~ ~ dal anryd
other Ctaiors Any dseisbrt rerrdared is sorb srbgreGoa Prot
binding oa the perGsc, rsdrsc a party npperh in wdUep m tM ubhraUon rsgstdzedon.
vrrthitt30 days o1 }ssuanee o1 the award Ths appear ta1n1 request a nrnvsrbfotUon
before a paaei of two naovd ubivators dedgesud by the saris arbitration
orgardzeUan The pin"s1 tvRl ncoasidrr sU teetud end legal iswrs anarny follow 1fw
syme ruler the! apply to ^ prouading tnhrg a ciep4 etbbrsto4 snd rarko doeaiona
based on the vote ol, the mrjoriry Ereh patty tvdl boar than nwa Iws, costs and
expenses far airy epperl, but a parry meyreeovereny w aM Isis, ease trd exprnros
from another pe rty. O the s riry of rho Pared d arbitrators, spplyiag appLcrble
taw, su drtarmines An sward in arbhratbn wt7 ba srdarcaaWa as aovided by the
FAA or aU»r appfice6b law by any corer htrving jurkdluimr
SswnbfUry, survlvaL This Arbitra6wt Aprasarsat shag serveva: iii tsrsdnetlon w
changasin the CsrdatrmbuAgreemsra, firs Actowd arWthe celadoeship between
you and as cenearning the Aceoum, such as tls hcidrtg d s new secabrt mrrabsr
or fire uansferrlnp d the bahnca la the Aceomd to sadhor ruonnt i>8 the
benkralttay of any piety or any shnRer protesdlsg hUiand byyw aeon yew behalf;
and ilUl payment of the debt ie roll by yea w M a tbad Perry U eery Penton of thin
ArbitraAOn Agreement & deemed irwafW w urwdwcesbfr, the nmslnhg pentane
shaA nevrrthrhss remain h iores
CHANGF3 TD THiS AGREQdI]YT
We tan cfrsngs thh egreamsn of mrytime, regardless dry der Der gM to add,
to your accoeat. by adding, deleting, nr modilyieg srW P
delete, tK mtrddy provision: includes Unentiel terms, sorb as the APRs end lees,
and other terms such as tAs netar0. extent, rod sataresmvat of tier rights end
tabfrgetions you or wo may have releiarg to this rgrsaneoc Moddicetions, addtioas,
or delrtiotu era eegad'Chmgei ex s'Chroge'
We wig eerily you of say EAenge it nquirrd byepp6cebia bw These Changes mry
be otfectiva vreh note ordy, at Iho rime sutod ~ ~ in~ dams vieh
appfrcabis few UMeu ors seta dhenvise, raY vr31 s In the unpaid
balepcee on your aeeourd end to new penssedenr Chan s and
The noBce will decaibs any rights you msqq have with respect W say g .
the eontequsnces ii ymr do or do not ertsreise 1bOSf fights Ferazsmple,tiro notks
may state thdl yov moy rrotNy na {a writing by r specIDod dau U you do not want to
accept eeriein Chengss wr en maWrtg I{ you adRy ut In wdlin0 tiro Yen do not
accept the Chmgea, your ettrormt maybe tbced id iris not etready dosed) srrdYon
will ba obUpstad to pryyow outstanding 6afancs Hader Urn sppfitable terms of the
agreement If you do not nr>ofytrsinwriting bytba date stntrdm We aodta. or Ryon
eerily ua but then use yew account chit rho den staud'ar the rwtite~ you tvig be
~~•«.,.cr: to accept all Change. h~ t`•r nr,ti:e oad to accept and confum aA f3ttn, e'.
yonr agraamant end sU Changes In prior notices we have sent you ngardtrss of
whether you hove ettau to your eccwn
CREittT WFORAAATtON
Wa meyperiodice0y review your credit history by obtabting inlmmetioe-Irom uedil
bureaus and others
Wa mayreporibrtarmetion eboui you and your ectrowdto crodd bureaus,including
year fsRvia to pay us on limo. U you ngvosl addhlonal tsrdc on ytmr accoum for
others, we may report account inlarmal'mn is ymrr Hama rs will as h the acmes of
efiasa other oeaph
tl ya. think vr. have reported inrccurotr inlwmadon to a credit irraeau, you may
vvrils a us at the Grdmembat 5orvier addreu feted on yore WIng statement
Please inelydoyatxnsms, address, account arnabar, afepboae ruaaberend ^ brie(
descr~ios d tlra Problem U rvailsWa, please provide a copy at Iba tradd buranu
roport is gtrss4on We rvN pratnPUY lavesugste the matter end, it ou iavss8getion
sbolet that yea era debt wa.n11 wnfatt each erodd bureau IarYMisb wr -aportrd
theidamrsfisaaad roqusdlbrycorrscllhsreptnliiw.dlsagrwoidthyoueher
ow irrvssfgalisq, vw wiX tag you is writing ru by tefephono iNa taAl also nadty the
cradh buaau that you dispala the information unless yon ht us know that you na
tongrr dhptAr the htimmrlfon
NOTiCESlCllAN6E OF PER50NALlNFD RINATI ON
Wo vvisaad wdL flalatnoats ertd Other nplltea 10 you N lira address thown
is ow lges. Or a rids ii a fat account. wo tan sand bUlmg steUlnerds and notices
to any jdttl aesutmtlsbMa. Notke to ono d yon vrR) br considered Hellas ro sU of
yon and sp d yen veil roaeeis obfigeted on the ectotmt
1f yon ckaape year Hama, address, or hams, calltrhr or business lolaplama nwnber
ar anud address (it yon ehd to reciror bNirtp slslemerrB w other oaAicrc orrUael,
you mss[ aolily u Immsmateh' in wilting d the addreu slwwn oa Pori 6A6ng
stewasrf.tMe may, al one option, aetapt malting addreu errrodfoas ham the
UaUed fierce PosW tieraice Wa mry contact ymr rboul your ecaonrd. incWd'mp
Iw errstoraer service w ergredio0. m any address or lrhphonr mrmbu es vraU es
any cefhfer tatsphsw ltrmbK yon provide us
TEtFPNDNE IUONRDRWG AND AEC011DING
Wa, andA eppficsbh suagrats, meylitton to and record yew falaphona calls with
us. You spree Utst via, elyd i1 epplksbla, our epenls, may o se, whelhu you ar wo
initiate Um ubphwrs eeR
INFORNWipli3'HAAING
Youetnhwizr u toshrre csnsin inlormrlion rboutyon and your er:courdnMldrt our
letregy of eolrgsrfes, eadavih others outside ovr Isrndy of wmpaeiu ietbrdng Hey
companyor rrperdzatirnwhess Dome or mark may appear on tfs cards, ss pamrittrd
by law Dar P~rerr Poky, vA,i:h is pro:idcd t, yov whoa yotl first rerei+re an
rgrermsrA emf eikecloau each celanderyarrtharasher, descdb~s our Irdormadon
sharing precdtes std the (halter yqr hove and dbeetions you may gis+ us about
aw alr.tiag d idorondaa about You snd your eccouM with eemtpar:rs or
wgerdteUws vvitifo and pttsfdr of our lomily of componiac
JUJAfDIS CAAD1NF.fiRFAS
gguols law paeeddes.Urf tee ~ awshsre falormoUon aborrl you whh coraponlos
or rtlbot orpenlzalians outside a ow family of eompanhs udecs you authorize the
d'aelssara w tnrMas tba disriosuro falls under another excspdoe M fhe taw (such
ar alterhfi inferlrodoe to process yobr transaciians or is rosptmss tD a subpoena).
Ynnisrebyl~rnrhs4xyoscbooso riot to rzercisa the eppgnble OpteMdrscribed
inollr pdiaae~Peticyyau anti 6a,drramed m love sutfmnzod us m shad personal
in{mmaUoatMhsrseteosl.yru fmdudil vutl ~maUOdeolals~db eo grerfsai~nihrr
or serolCai yoe Bray have with airy P
orgsolaatiorraouisi/a d owlamRy oicompanies -
ENFDACUdB THIS AGREEN{ENf
YVs tsnddeyenlashtg prod enforce arty of mu rights undrrthis agreunentvvrUrout
loslag DIN ti0b1 is eabtu tMm in tlu lntwa- If airy of the farms of this agremreant
ere found b M trertttornshle, :U other terms wig amain in full fates
ASSI6NMENf
Wp prry trssigtc your atcntmt,. any anwutdc you ovr. ns, or any d ow rtglds and
obigsdose Oaderihic eproementto r third pbity The person to whom we make rho
rccigameat aa7 6a etd~sd ro soy d ow rights that vve assign b that parsmt
GOYfNMiM6lA1N
THETEfiIfSANDENFORG9+lHdT pFTH15AGAEEMENTAND ypURACCDIINTSHAU.
OEGDY~DI'•k? MF`.P.PARfC IN,~.:COADfiN:.'E :Y:1i iL•D13iA1. UY4 n~i7,TD
m c ~uw~P~tt:s.~E ~w of of awnFAE, w~E n~NU
ypUA.A(~IINTAAELDCATED, Will APPLYMO MATTER WHERE YOU LIYEOA USE
TNEACCDUNC
FDR INFORMATION
Please call Uw Gerbwmlrw Sons about pour ac punt wothis r- er(Ilbm r bRling
stsisesatOyaottsvoarygtresti Y
TDUR RRtDg6 RJGNTS.
KeaplbisNegcs Ferfvlws Usa
Thh aalke caaains isrpottrettnlormrtion about your rights and nut nsponsibt7ides
rmderihe f~4 tkaidf ifdirtgAct
Notit- gs ie bass Dl Errors Or tLrestieas Abaat Yoar Bili
It yen thiekyser MU k wrong, or it you need nine intortnatiart about a Vansec6on
ouyourb~,Nrltatrsmasaprrata short at the Cn-dmambsr Service addrose shown
on your b~ srotrrnrsd Write Io us es soon es possibh Ws must hear Irom yon
na firer tlmn 6d days ahar via arrA yon.thr first biN on which rho rein or problem
.pP~zr~~ i„G ::>.s tdephoce u. M:t doing sc wd' not W esor vr, your rights
In year brie; give us rho hllowiag information:
Yow setae and aee~at mmtber
• The dour steaaatot the suspected error ou bofrere there is an e-ror 11 ou
• Destxibs the error and sxpldR it yov can, why p Y
need moss itdormatiun. ~serlba the atom yw aro not sure ahem
if qou have aetharksi sets psyyOm trodrt card bill wtomsiieally )rem your seaings
or cbsclieng aecotad, you ten snip the payment op retry ernount yon think is wrong
To stop Um peYmerA year brier must teach us at least thee businras days before
ilea slpasreUe peyttN-dissehoduiadtn Otear.
Yout Rights lief Orr RespoasibiAUes Aher Wa Ae calve Yrnr Wrinaa Notice
F;Fro a of C Qli.~i:: .
We muri acknowiodpe yoerlotiaz witMn JD days, unless wa have corrected iha error by
rhea Vrrnhin 9D dayc. we mart either correct fha error ar explain why we befievo the Wp
tYei GDRNL
After we receive your letter, we teener try to eDtioct any amount you quesGoa, w report
you ns degnquant We can continua to trdi you lof the amvual yoo quesUot4lneluding
tinonce charges, and we can apply any unpaid amount eg:buR ywr credK 6aa You da
not have to p6y any questoned amount whda we are investigating, but yDe ere stiD
D6Qpeled to pay the perte of your MTF thst era not iA question
Uwe find that we ma de a ndsteke on your b1N, youwill not here to pay srry fktonn charges
related tv any gnasitvnad amount fl we didn't make a mistake, yw msy how to pay
finence charges, and you pv,Tl have to mska uP any missed payments oa the questioned
amount in either rasa, wa wip sand you v statement of the amount you oars end the data
that it It due
U yvu lad to pay the amount that we tbbk you owe, we mry report you es daNnquent
HDwever, it ow exptertadon duos not ssds(yyou end yw wrUo la asv+hhie 1D days laN'mg
us that you stNl refuse to pay, wa muri lag ertyona wo repott you !v that yorr hsae a
questba ebotrt your trN! /ad, wo nwri tad yov tlr noma vl ertyona we reported you to
We mart teN anyone we repvtt yon to that rho matter hos been satdad between us when
it i'maNy is
Uwe ddn't lolbw these rules, we can tcolloc! tlu Ursf 5~ ~ of Ure queriionad amount,
eveA U your b~ wax correct.
Special Notes for CrsdN Gnrd Purchosec
It you have o problem whh iha quality a( property or services Ihat you purchased tndlh a
crodd nrd, end you hsve triad in good le'rtlr to tromct the problem vmb the machsnt,
you mayy hove the r{pht trot to pay rho romelninp amavnt due an the property o(csrvicos.
This right des not apply Io check iraacegioas Tharo are two Gadteuons on this right
la) You must have made the purehe sa in your home rice vr, d not wiUda your hoAb rieta,
wh(rin iDD mNas of your eurront msifmg eddrecc, end
[b}The purchase price must have been more then $SDAD.
Those gmitatbns do no! eppiyi! we own or operrie the merchant, or i(wa moiled yvu the
advertisement for dte property or service. -
Copyright r92DD6 JPMvrgan Chase & Co AN dpbls reserved
?ago : rf :; :-~At'.G .
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 PA. C.S.
4904 relating to unsworn falsifications to authorities, that he is 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.
J
,
i
!`
_
~~~ yr-
M ~• T
V
~ ~ :~
~~ <
~. =
V
SHERIFF'S RETURN - REGULAR
CASE N0: 2007-04826 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CHASE BANK USA NA
VS
ABDOU HANY P,BOU
DAVID MCKINNEY
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within NOTICE
ABDOU HANY ABOU
was served upon
the
DEFENDANT at 0017:20 HOURS, on the 2nd day of August 2007
at 300 N 2ND STREET
WORMLEYSBURG, PA 17043 by handing to
ROSE WILLIAMS (MOTHER IN LAW)
a true and attested copy of NOTICE
COMPLAINT
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing 18.00
Service 14.40
Affidavit .00
Surcharge 10.00
.00
41 d``0'7 ~` 4
Sworn and Subscibed to
before me this
Sheriff or Deputy Sheriff of
So Answers:
R. Thomas Kline '
08/29/2007
WELTMAN, WEINBERG & REIS
By: ~
day Deputy Sherif
of A.D.
i• ~
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
HANY ABOU ABDOU
Defendant
No. 07-4826 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#06106570
~. ~
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No. 07-4826 CIVIL TERM
HANY ABOU ABDOU
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.
gy. v _
Attorney f PI 'ntiff
2718 Ko ers ilding
436 Sev nth Av nue
Pittsbu h, PA 15219
(412) 34-79
WW 0610 570
SWORN TO AND SUBSCRIBED
before me this ~ day
of ~ , 2007
.~
NO ARY PUB -
OOMMDN'^ • - ~' ~-~' . ~'F ~_ ~YI.VANIP-
L . ~. -
i
~.>
t' a
,~
-:~ -Y-3
_ ~~ _ _~
~ ~ ,~ T
`
` ~,~
"~~. t l.~
..~'.ly
~~
• ;7 : C~+`D
.. t;,... -i
--c;;