HomeMy WebLinkAbout07-4827
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff No: ~'~ - ~8a7 ~i~ ~~'n1
vs.
COMPLAINT IN CIVIL ACTION
GAIL A MACHELLA
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
06077540 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
GAIL A MACHELLA
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:
GAIL A MACHELLA
1071 LANCASTER BLVD #14
MECHANICSBURG, PA 17055
3. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number 4357874930018675
4. Defendant made use of said credit card and has a current balance
due of $14343.81 .
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.
Law Offices of
Weltman, Weinberg & Reis Co., L.P.A.
436 Seventh Avenue, Suite 2718
Pittsburgh, PA 15219
(412) 434-7955
July 25, 2007
RE: CHASE BANK USA, N.A. vs. GAIL A MACHELLA
COURT #:
TO THE SHERIFF OF CUMBERLAND COUNTY:
PLEASE SERVE THE DEFENDANT(S) AT THE FOLLOWING ADDRESS(ES):
GAIL A MACHELLA
1071 LANCASTER BLVD #14
MECHANICSBURG, PA 17055
Please confirm service by sending notice to:
WELTMAN, WEINBERG & REIS CO., L.P.A.
436 Seventh Avenue, Suite 2718
Pittsburgh, PA 15219
(412) 434-7955
FAX: 412-338-7130
06077540 C J Pit SJS
8. Plaintiff avers that such attorneys' fees will amount to $1500.00
9. Although repeatedly requested to do so by Plaintiff, Defendant has
willfully failed and/or refused to pay the principal balance, and
accrued interest or any part thereof to Plaintiff.
Wherefore, the Plaintiff prays for judgment in its favor and
against Defendant GAIL A MACHELLA INDIVIDUALLY in the amount of
$14343.81 with continuing finance charges thereon at the rate of
6.000% per annum from July 25, 2007 plus costs.
06077540 C J Pit SJS
This law firm is a debt collector a
our client and any information obta
Jame Warmbrodt,42524
WELT WEINBERG & REIS CO., L.P.A.
436 S venth Avenue, Suite 2718
Pi sb rgh, PA 15219
(4 2) 34-7955
F 2-338-7130
ing to collect this debt for
ill be used for that purpose.
Page 1 of 2
~o775Ka
Statement for account number: 4357 8749 3001 9875
New Balance Payment Dus Date Paet Dua Anaunt Minimum Paymen[ CHASE O
$14,343.81 O6y14/07 $1,843.00 $2,728.61
Amount Encbeed Meks your cheek W able to Chaaa GM earvkea.
$ ~ New atldre3e ore-mall? Rhl on back.
4357874930018675~0272881014343810000001
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1071 LANCASTER BV
# 14 CARDMEMBER SERVICE
MECHANICSBURG PA 17066-4489 PO BOX 15153
IrrdllrrdllrrrddrrLLJrrLLrLILrlJrrrrrlldrrldrrll WILMINGTON DE 19888-5163
t:5OOO i6O 28t: 97849300 1867519'
OpeninglClosing Date: 03/20I07.04l19/07 CUSTOMER SERVICE
CHASE O nmu
Pe men 7
Mir
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Due $2,728.81 Eape~ ;_~ ~
TDD ,-600-966-6080
Pay by phone 1.800-498-7858
Oumkle U.S. call collect
VISA ACCOUNT SUMMARY AxountNumber: 4367874530018873 1-302.694-8200
Previous Balance $14,144.98 Total Credlt Line $t4Opp ACCOUNT INQUIRIES
P
O
Box 15298
Payment, Credits •$200.00 Available Credit .
.
~
VJ'ilmington
DE 19850-5298
Purchases, Cash, Debits +$39.00 Cash Access Line ,
$14000
Finance Charges +$359.82 gvalleble for Cash $0 pgYMENT ADDRES8
New Baance $14,343.81 P.O. Boz 15153
Wilmington, DE 19888-5153
VISR US AT:
www.chaee conJcreditcaMa
You haven't made th required peymenm and your credit card account Lv 90 days past due. As
e reeulL your credit bureau may be updated with a negatlve retlng. Please send your payment
immediately or cell ue at 1-806966-8030 (collect 1-302-694-8200) today.
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
03/22 10810810420086254839827 AVM NT • THA VOU ,00
04/13 LATE FEE 39.00
FINANCE CHARGES
Finance Charge
Daily Pedodb Rem Corresp. Average Daily Balance Dua To Tansaction Accumulated FlNANCE
Category 91 days in cycle APR Pedodb Ram Fee Fin Charge CHARQES
Purchases V .08217% 29.99% $167.92 $4.27 $0.00 $0.00 $4.27
Cash advances V .08217°/, 29.99°/, $0.00 $p.Op $O.Op $0,00 $O,g0
Convenience check V .08217'/, 29.99°/ $13,957.79 $356.56 $0.00 $0.00 $356.56
Total finance chayes ~$g,g2
ENxUve Annual Percentage Reb (APq): 25.99%
Please see Information About Vour Amount sectlon for balance compumdon method, grace pedod, and other imponant inlonnation.
The Corraspondirg APR m the rem of inmrest you pay when you carry a balance on any transactlon category.
The EBeclive APR repreaenm your total finance changes -including transaction fees
such as cash advance and balance transfer fees -expressed as a percentage.
This Statement is a Facsimile -Not an original
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Page 2 of 2
Address Change Request
Please provide informa0on below only If Ute address informetbn on Irom ie incorrect.
Sheet Addreae: --------------------
clty:
state: --
LP. --___ ____
Home Phme: --- .-- ----
Work Phone: -__ ___ ____
E-mall Address::
L
IafonnaROn AYat Your Aeeoutrt
teat ar Stela Garda: Plwse report your lost or stolen card immediately by
railing me Customer Service number found on the front of your sktemenl.
Atlwsors are always available to assist ypu. Vou can reach an Advisor by
pressing 0 attar you enter your account number.
CnlHfnq W PeymeMe: for paymenk Dy regular U.S. mail, send al least
your minimum payment due to our post pmts hex designated forpaymenk
shown on this statement. Your payments by mail must comply wtth the
instructions on this sktemenl, end must be made by check ar money order,
payable in U.S. boilers, eM drawn on or Dayahla mrough a U.S. fiwnclal
Inshtufion or me U.S. branch of a foreign financial ins@ution. Do not sen0
rash. Wrik your aceount number on your check or money order. Payments
must De accompanied by the payment coupon in the anvalope provided wdm
our address visible through the envelope windpwl me envelope cannot
contain more than one payment or coupon: and mere can he no skples.
paper clips. tape pr correspondence included with your payment. If your
Daymenl is in aceoNance vdm our payment irolruclions and is made
available to us on arty day except December 26 by 1:00 p.m. local time at
our post oHlca boz desipnatetl for payments on mis sktemenC we will credit
me payment lp your account az pf oral day. II your payment is in accordance
vdm our payment irowaions, but is made avaikble k us after 1:00 p.m.
rani dme at ow post office box desigreted for payments on this sktemenl,
we rail credit it to your account as of me next Wy. II you tlo not lollow our
payment instructions or if your payment is not sent by regular 0.S, mail k
our Dost o01ce boz tlesignaled far payments, crediting of yourpaymant may
be delayed for up to 5 days. Paymenk made electronically through our
automated telephone service, Customer Service advisors. or our web site
will be subject to any processing times disclosed for moss payments.
Aaount Information Repoded la Credit Bunaue: We may report
~nlormatipn about your account to cratlil huresus. Late payments, missed
payments pr omer tlefaulk on your account maybe reflected in your credit
report. If you Ihink we have reported inaccurate infarmatlon to a credit
bureau, you may wale to us at me Cartlmemher Service address listed on
your billinq sktemenl
Nolioe Allred Eleetrpak Caesk Careniea: When you Drovlde a check as
Daymen4 you aumodze w eimer to use information from your check to make
a OM-time dettronic fend innskr tram your aceount or to Drocew me
payment as a ehxk haroaCdon. When we use Iniomutlan from your check
to make a elecronic fund transleq finds may ha wimdrawn from your
account es soon as the same day we receive your payment and you will net
receive your check hack Irom your firkncial institution. Call me cwromer
service number on mis sktemenl it you have ques0oro about electronic
check callec6on or dp rapt want your paymenk collected elecwniwlly.
Calitlaal Paymenk: Any payment check or omer form of payment mat
you send w for less Than me lull baknce due that is marked "paid in full' or
conkins a simikr noktlon, or oral you otherwise lender in lull w6sfacgon
of a tlisputeO amount, mwt Da sent k Card Services, P.O. Boz 15049,
Wilminq[on, DE t9a60b049. We reserve all our reptile nparolnq these
paymenk (e.p., it it is tlelerminad (here is rep valid dispute or II any such
check is received al any other address, we may accept me check and you
will still awe any remaining balance). We may refuse io accept any such
paymem by returning it to you not cashing it or desiroyinp il. All other
paymenk that Vou make ahoultl De sent to me apDropflate payment address.
Auwl flaewal NaUq: II your accpunl has an annual tae, it will be hilted
each year Dr in monthly inskllmanis. whemer or not ycu use your account,
and you agree to pay it when billed. the annwl lea isnon-refundable unless
you notiry us mat you wish k awe youraccounl within 30 Jaya of me dale
we mail your sktemenl on which me annual fee is charged and at lee same
time, ypu pay yew outstanding baknce in lull. Vour payment of the annwl
lee does rapt aflecl our rights to close your accpunl and to limit your right to
make transactions on your account. If your account is closed by ypu or us,
we will con9nue to charge the annwl lea until you paV Your outskntlinq
balance in full end terminate your account rekaonship.
EtPkaatia al fleaMe CYages: We nkukte Deriotlic finance charges,
using me applicable periodic riles shown on this sktemenl, separately for
esM leature (e.q., balance Iranslerlcarvenienca checks and cash advance
checks 1"check tansactlon'}, purchases, balance tnnsfen, cash advances,
promotional balances or overdrah aMances). These celculatlons may
combine diflerant ntegories wish me same daily Dedodk rates, II (here is a
"V" next to a periodic rate on mk skkmenl, that role may vary, and the
index and margin used to determine that rate and its corresppnding APR era
described in your CaMmembar ApreemenC as emended. There k a
minimum finance charge in any billinq ryas in which ypu awe arty periodic
lnance charges. and a transaction finance charge for each balance transfer.
cash advance, or check transaction. in the amoums stated in your
Cardmember Agreement, az amended.
io pet me dairy DVence for each day of me current billing cycle, we kke the
beginning baknce for esth fnlure. add any new Iranadpdoro or other debits
(indutllnp fees. unpaid Mance charges and omer charges), subtract arty
paymenk or credits, and make omer adjwtmenis. Tnnwclions are added
az of me tansacton dale, ma bepinninq of me billing ryda in which may are
posted to your aceoum, or a kter dale of our choice (except oral check
[raroacnons an added as of ma date tlepo&kd by the payee or a kkr date
of Dur choice). Fees are added eimer on me cafe of a related iranesction, the
date Ihry are posted to youraccounC or me last day of the billing cycle. This
gives w that daV's daily baknce. A credit balance is truted as a balance of
zero. II a daily pedodic rate applies k any feature, vre mulkpN the daily
balance by me daily Dedotlit rate k Oet your Deriotlic finance dlarges for
oral day. We men add these Deriotlic finance charges to your daily balance
Io get the heginninq balance for me next day. (II more man one daily periodic
rate cpu10 apply based an the avenge dairy halance, we will use the daily
pedodic nk that applies for me avenge daily balance amount at the end of
the billinq cycle to wlculak the daffy pedodic finance charge each day.)
To qe[ your total pedodic fiwnce charge far a billing cyde when a daily
periodic rate(s) applies, we add all of [he daily pedodic finance charges loran
lestures. To determine an avenge daily balance, we add ypur daily halances
and divide by the number of me days In me applicable billing cyde(s). If you
multiply me average dairy balance for each feskre Dy the eDDlicable daily
periodic rate, and men multlply esch of mesa resulk by the number of days
in the applicable billing cycle(s), and men add all al me resulk Iogemer, the
lokl will also equal me pedodic finance charges for me billinq rycle, except
for minorvark6ons due to rounding. To Oet your total pedodic finance char0e
for a billing cyde when a monthly pedodic rate(s) applies, multlDly the
avenge tlagy baknce for each leature by me applicable mouthy Denodic rats
and atlO me resWk rogemer. The Ipkl will egwl me periodic finance charges
forme bgling ryas. except for minor variations due to rounding.
Gna Pedod (at leap 20 dap):
We accrue pedodic lirence charges on a transaction, fee, or finance charge
from me date It is added tp your daily balance until payment In lull is
recdved on your account. However, wa do no[ charge periodic lnance
rlurges an new puroheses billed during a billinq cycle N we receive both
payment of your New Balance an your current snkment by the date ono
lima your payment is due and also payment of your New Balance on your
previous sktemenl by me dale and time your payment was due. There is no
grace period Ipr balance Iranslers, cash advances, check transactipns. or
overdrah advances.
le add0ioa, it there Ise "Guali/ykq Pramotloal Financing' section on
tale ektemed, you will net Incur penodlc fiwnce charges on any
Remaining Balance tha[appesrs in that sectipn If you pay that balance in lull
by me applicable Fxpintlon Date. To avoid finance charges on new
puroheses when your New Balance includes any Remaining Balance(s) in
me Owlitylnp Promotional Flnencing sectlon, pay your full Naw 8elance
minty the tokl pl these Remaining Beknca(s) by me dale and time your
paymen[is due. However, if yoursktemenl shows Thal a minimum payment
k due, we mwl receive at Isar that minimum payment by me date and dme
specified on your skkmenl, even it your New Baknce consisk only of
Owlilying Promadonal Financing balances.
Also, for some Dwliyinq PromoOOnal Flnancinp balances, pedodic finance
charges accrw during the Dromotlpnal pedod but era rest added tp your
account balance. Instead, they accumulate from billinq cycle to billing cycle.
This is referred ID as "deterred interest" If a deterred inkresl Oualiryinp
Promotiowl Fimndnp balance Is not paid in fug by me applicable Expiration
Oats, the deferred fiwnce charges will be added tp your account as soon as
me lint day after the Expiration Date. FunheC it you delault under the terms
of your Cardmember ApreemenC, [he deferred finance charges will he added
Io your account as soon as the date DI delault.
BILLING RIGHTS SUMAUIRY
In Caw al Enon or OwaOwa AboN Your Bill: If you mink your hill is
wrong, or if you need more informadon about a transactlon on your bill, write
Cardmember Service on a seDarak attest at P0. Box 15299 Wilminp[on, DE
19860-5299 az soon as possible. We must hear Irom you rep kter Nan 60
days after we sent you the first bgl on which me error or problem appeared.
Vou ran telephone w. but doing so will not preserve your rights.
In your latter, qNe w the following information.
• Your name and account number
• The dollar amount of the auapected error
• Describe the error and explain, if yo a can, why ypu believe (here is an error,
II you need more infarmaapn, descrihe the item ypu are unsure abpul.
You do no[ have to pay any amount in question while we are imestlgatlnq,
but you are stlll obllgaktl to Day the pars of your bill oral are not in
question. While we inves6gale your question, we cannot raped you as
delinquent or kke action to collect me amount you question. II you have
aumodzed us to pay your credit card bill automatically from your savings or
checking accpunl, ypu can stop me Daymenl on any amount you Ihink is
wrong. To stop the paymant, your letter or call (wing me Caromember
Service address or IeleDhone number shown on this skkmenD must resch
us al lessl mree business days balers the automatic Daymenl is scheduled
to occur
Special Rule far Cnlfl Grd Pun:hasw: If you have a problem with me
Owllry of goods prservices matyou pumhazeO calm a credit urtl (excluding
purchases made with a check), and you have tried in pond lailh to correct
me problem with me merdunL you may rapt have to pay me remaining
amount due on me goods or services Vou have this prolectipn only when
me purchaw price was more Nan S50 and the purchase was made in your
home ekk or wimin 100 miles of your mailing address. These liminlioro
tlo not apply if we own or Operate the merdkn4 or if we mailed you me
advertisemem tar me property or services.
MA021207
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Card~f/mber p~greernent
CMA1L'75
ACCEPTANCE UFTHiS A6AEL9KEIVT
This egrrrment governs your credt card account wah us raforanced on thekcearnsmeat.
containing the cwd for this acmrnt a dykeap 8 lea pdw rWit:ords Y u e Urori[o us t° psY
Plaase red the entka ogre
for and charge your accauat to ag vanssedoas made on your scetrunt. Yov p stn
pay °s for eg vansacUons rneda on yew sccovrtt, u wal as nay leas or lmaace charges
N this is s joint aaowd. each of pou, tagsthrr and individusgy. is tesponsibla for paying
ell amsusts owrd, seas g the aetrwrrt is used by only oas al you
Passe sign tfie back d you usdt card wren ustvour a~tcount or a~ bPurP°sw °°°ni
agraemeM rlyou or asryone assharized by Y Y ~°
you don't sign your satd•Whathveyau rise you account arrot. yea be bound by tors
°yrstratarrtunlarsYoutonedyaaaeeount avrsie+r7gdaysrhormeoiringYawwrdsod
you hew rent seed Your rccauat fret any pure
Thrauphout chic rpnsarNtE dre w°rds'we , bi wd'ea` ma°nvCh~ ~~ ~~,!
the issuer d Your crsda ssrd acrd secsrmt The vwrds •yoa'. 'Yn tussn wlw eppied
persons yssponsbtr (ae campiying whh this apresment,lnehrdsgtha p
parsanewhos~grv°slobv6ebla~onthNistc untThsvrord'tard'mesnsonram retards
cr ether access devices, suck es atwunt numbers, Ural vn have issued b pemdl you
to obtain crvde under the eprsement
USING YOI}A ACCOUNT ersonaT, lamily a
Your account k e cor+sumer aecsun! and should br need turfy for p
houcrhofdparposes Urd.ssweagroaorhisnquuediryimr.ws cf natrbiccw~M Yens
far merchsrrdew a services pur~ ~ d nail lewlul trursaniatrs For~asamplv,iatsravt
promrsv m use your account mrly to males sea that yes
pa tubing creek ba gbpet iv soma plates !t is notour rasp°nsi~ ~~in rsspo^md° br
use your accmmt only to pf1°°ssrbly trensattions_ ertd you
p.yinp for ° van=aclfoa oven a it is not prr:niss[bls
Typos of Troruactims:
• Purchesac Yon may art Your tend ro pay lac ~jjaaflr erssra,rss~_
- [:hacks tNa maY PfO~a Yar cash advance checks a bdatrcr transfer ehrxks sa s
way m use year sstorat W. also tetra m them is this agnamsrt es a ctredc a eeonat,
You may ape a check fogey for ponds a ssrviros, to vsas(arbatancsa to you
or Ivr slhar uses tvs sfbw But you terry trot sea thus checks a Vesrster fratatxes >o
skis acsount from other s ed ~~ ~°~ may Ape the clu k Cas~°d~veasa cF~wtks
person whew nsrw a port f
ors veubd u rash advantas end bshnu vans~K d~~rory~ ~~
venste rs szsept es noud is this sgrsamart a arty
cfiecks thatwe tag cwvetiencs chocks as balance transfer cheeks Howew4 checks
tisatwe ca/ rorrvrniancbs ~°vted es ca:h vdvandrt°s andass~itsad ubrftadvastotrstas
fns cask advnncoa, met
and fees
• BalesceTrassfarsYwmvyvansletbalancastttutttutfteraccouatsaiaanswith° r
wdA card isnters at tAhrr bndws to this etc ourtt, or other babate tnnsfatstvs sgoW
But you n eY reel Irsnsfer babncas to Otis eccanrt Iron other ueounts taint ar a tmy
of our rslalsd aompatiKS • i e Pao ass as ranial balanc tronslwsnp ts~yaw anva7sYb1°
eveilabia crsdrt fins, wa may ~ P
trrdR fin•
• Crsb A.dwaees: Yoe nay ass you card to gat cash from rtrlnmelic tadat madrmaa, a
from rmaadd inctinniorts seraptmg the card. of is oMaia trawlers cbetits, toreigs
ourrntrey:rnpwy orders, tvua vaasfers orsimilar cesirfib charyrrs, or Iv sbtaitr~ott~r!
ticlwrs, cashro parraegchiRs, rocs creek Wagers a tardmgsr batoog ursasacaanc Yon
mrlyals>t ate a filter; arsysrrvrcr to mab+ • psymnnt onyowbsr,si: and bit the PaY°~'r
in this rewrmt_
. Ovsrdwft Adtsauac g yen htrvo an atigrbte chackmeecttoun u- rsfditdb rile In
benis• you may fmk tkls sstount is your skseking
cover as ors ft m that chsebng eecourrL under llw amts of this egneereet and
yms checking sccouat sprenrnaM
BElgng Cyelrt la ardarto menage your accorml wr tgvfda teas ido pesiadscaged'ba6ng
cyder. Esah b6larg R"d° 6 apprraknstdyaaa month inJtmgth For each cabadarmontb.
your atemmt wid fian a bglbrg cycle lhet ends in that stontlt Ytwr account aedl how s
1x"tfmp cycle andmg is each calendar month whether a trot then fs a billing statstnatt
ta[ Uaat bg6m1 circle
Rtrtharitsd Users II you aliovr somstme to vsa your atxasai, that a to brsombi m
authorized sss~ Yov ahodd thirst canlvdt before sgowb4 auyoa
audtatizad user 6etaraa yyoott are sllovyutp that parson to use Urn eeeotmt es pen can
Yav wilt nmslu rssprssgrls br the use of Y°ar actonnt am! tech aril issrrsd as pw
occmmt sewrding 1o the ferrns rt this agrnmatrt. this iocfudrs your nspun~3tY tar
paying ag ebstgss oa your acssum mode by sn authotaed uses. acurtnr if p+w
Ysn may request en addtUond card fa uw by as strthorhed ttwr on yovt
do sv, thie isc r,a! any apps.-. en the arena report °- tbet ruthodtet .. ;vr rceormt g
Yat mast ttlrtFly os to tasmbrta m authvrfzad arsr's psrmtssios ro rise Y~
you naUfyus, wr tnay close the aeeowt end(tu keuv a now card of eardstviUr a dgfenot
a tenant numhas Ynr sbodd silo retover and deslrsy ask cards, checks a nap oUrer
means of access to yes rteounl from brat avhorized aru
~radit j1an: Yavr craddfina appears an Yorsr biing stattmmits We may also calcite the
credt Gna es a uadd iah a spending [unit. Yow billing stetemaa! a}so may show tbu
ardyopardondyoracrarltitnmaybeussdiacsshedvanevsCashedvoncecn ins,
cask sdvsnce checks, ate cturped rgefasl the ash advance poaian o1 Y°w nsbd for
xnd ag other vansecdorn ere shtuged agrinsi your cndh lme. You -n rosPa
kaepitrg v:ck d Yner eetasnt bdancr, ineWdmg nay foes er~d lauusea chargaa. end
mekirrq sofa h romaine below your cradil ion tl your account balance is over your uadlt
fmr far errp reasa4 r+a tuck cbsrpa you sn ovarGrnh loo ss desc wed ~ inegYo must
Wr >n°Y~ bat en real nqulrod to, avtharke cbatgec that go tnrory
p°y asy smasrd. orar your erode late, sad you must pay as immrdistely II tNO sole you to
Thb apnamesd appgrs m any balance ovarysor aadkinr
At aWd6tra~ua,vve mayincnasv, reduce, a cancel you credt Sine, or the cash sdvence
poAios et your usdil grin, et erry time Newness A you hove asked vs not to dv so, w°
wr7ndinuessryowcnd'ilGns Achangawyourcndkfmsvvinnotalleclyourobkpetiort
m pay ar
Interaa6orrd 7rasssctioas Intstaailoaal nensscUons include any vansecUon that you
make b a tsreigscanary m that you molts wrlsids of 1M United 5tatas of Amarka evsa
d it & rarda br U S dogsrs U you mats a lnnsacdon N a laalga cwraary, Yrsa
IntaresUssat ttr iJlsstarCsrd IntornaUonal, Inc., wHl cmwon the transaction bta U 5
deltas by ssinggs rospoctive surrencp coararsisn procadwes Tbs exchange refs rich
entity use is carvart carronsy is a nu that it sebcts either fmm the rings of rates
wsrlabla kr the whdtxab currency markstc lac the sppitsbts processing data Iwhlch
nu rmp Crary kom the rru the lrrsprctfao anGty itsag recdvrsl, or the
goverarsawt~y}adp,ro~sntlegdatts mayd q rlr~atnctha nt~a on Utrdat ymr to dyoaraeard
an iM aPP~
os seeaunc t}Ira rrsarva thr ripbt to charge yeas en sddilional thus pvresrt p4.j of the
US dolersvnoastsfseyintamadonduarrsecUan.whrihrrthetvanssribnwasoripbegy
made is U-S dilate or was mad. b raadra wrrenay and eornsnad to U.S. dollars by
Ytsa a ittlas!_rlard In either cos°• the 7X ev! be calculated os the U. S doper amours
prwldad to ru bylhst entity Tho soma process and cheryes may apply it a ny inUmationel
iransecbaa is txrorsad
flatesalte/Wtlrwira~ao~tih iotlarwiraprs sons:enottaquiredta,daclineevsnset4on
on your aeeavat for esy
• because d oparsdonslconsidvrstions,
• baeerrw yaut sseount k In dalauh,
• g the saspari freudWanl m unlawiu! acuvey or,
• in:u~'-rt4oa!ace.:yoth°rrewvn.
Wa ra awl ras}onciblo la any losses U a lnnsacUon on your account k dac5ned for
any roesa4 eiUrrbptn w a third perry. even g you have sufficiart crsdrt available.
For onfuu treasatliotts, we may nqu'ae that yavu G we wets you a npistrr N you
attlmitzst3oa system Ural ws sebct Ws w~ notify yo
do troLrepWsr;tera rsry dsrdrae yew ovine vansaeGoas
flefarat IrPaplUrecks: Each ehaekyau tvrilr a your request [or lands. When we receive
a riuck lap peryewrtC we tuck review year scaount to decide whstlrer to eudwdza Ural
ciwrdr Wa maK bul snQ te'e~od tn. rejscl and return unpaid a aback for arty reason,
breMtfmg the isgowing amp
• INa a aria sloe re}aied compsrtias is the psysa on the cheek
• ya,y ereditGus arsatdt adwrua portion dyarr credit fmo has bean mete ailed, or would
6a trxcaadada wa patd the cbsck
•~ a}urk~ppst-dated g a pasl•dated thaek is paid. rasultinp» another cha:k being
ramrsed a tatpnail, tea era not rasponsibb.
- You have used !hr cheek situ the drie specified on it
• Yoa era fi ddank a world br g vn paid tlrs chock.
Loot a SWlas Cards, CheeSts or Aceovel Nsarbarr: If any card, cheek account nt_~nbsr
a siha meats V access your eecounl'a lost must n Lac Yvsaat toneeaby ealbn! the
1pQI~ °i° ~°O ~0m yDw PefndssiO°• ~ card or bdlin atetament flo not
Ca~atsmbac Serrity tefsphone number sltavrm on year g
usryaur accterm ahuyaa ttotrYy ns, scan i your acrd, check, eccorsrl number ar other
meeets w aceessyow eccornrtk found or netwned. Wa may terndnets w sus~sad your
era~tPrirfladeswhsa yw notify os of arty bet. theft a unautharzed use related to yavr
e ccalmt
Yea may be irr+4r ti theta •s aneurbnrbed :+sa d ,ro;•r acr•• •M !^.-m s.•!-ity ~r re::!t.
~ beneCt~ bttyarr rvi! rtnl ba gable for man than SSp.DD of each Vsnsecliorts, and you
wranotbaHlialaanysucl-umustitbnsmo~ustheun rrUror~'aedchargscotromwhlch
ns,audwriaadrrsa.flttwsrer,Yo nd~
you ysceirsd rn bsnalt.
yVs may pgtiw yea to prorida us fniamelion in wdUnp to help us grid out whetheppans d.
Ws pray ales regatta yon to comply with certain procaduras in connactirm r+nth our
inrasv0edasr`
PAYNgl+ff3 rtym
PeYnren! fesimt~ion= Yow bflGng slates ants end soatcpforth the date sail taneuby
insunctlopsyan mast (odour far making P Y
whbdr yes turret rsetim Ufa payment
y„ a~sa to P°Y us amaums yav owe in U S doflors drown on funds on depositin s U S.
dnsnaiel hrstgstisa a the U 5. breech d a lanign Gnancfai institution arlrrp a ` ym~rt
cheek t~raeYorde-awirmrsUcdabitthuwdi6sprocassedahonoredbyyour notbt
InsdUltitat Ylh wr1 reel accept cash payments Your total evageble endA may
yaspsad far op to k5 days akar wa ratans your payment
pay Rnymsn0. shet# or sUrsr la.,n -tl nr~•nesl width yo : send ro us L-.• bu then tl++_ lei
neuueemnrsmtsdnd ~•tidinfvlfawiihasirrdiar°ateuonorthet~.uoUtsrwiseisnds~
in hd smishstfitm d e drapttad amrnml Itwrditional paymarts), must ba seMlo us a! tht
a~olpsipa~maatseddrruismdanyottawrrthiystnement WsrrservaegoariphL•
regarsling sttth pejmads Fru esenpls g h is datertninad than is no vedd disprda w 1
rmf srseltpspsmntrsrotalvad rt arty other sddrass we may accept the psymenl and yet
~} ~ ovra eay reaaininp balance We mry nrtrso to accept arty such psymem b
ravusinj it to you, rat cashing it m by desvoying it Ag ether Papmenk that you tusk
s}roald be seat to the regular payment eddtess shown on your monthly sletements
We reserve the right is slecuonkeflp caMct yew atipiblr payment checks, of Gr:
pnsenveartsad snY~ep ant checks u" yoaauUrorir un or us o ea ecttha amount c
per rsedpt d Yaa P Ym
EXHIBIT
Z
lha check olocuonicaUy, or, it needrd, by + drab ds` ~~ ~p ~h~t rmDtiai ebnp
Payment Cheeks wgl ba eoAeeted rlaevordsagy 6y
i with the cheek routing and acwurrtnumbars to your bank Yow bank aeooord may
be dabNed as early es the same daywa receive your peyman[ Tla rrlpinel ptymont
cheek will 6a desvoysd end as image volt be maintained in our reeoa ~ as shown
Nfioltrwre Payment You ogres u psy al bast the minNnwa payment
on your bUbrrg statement. so that we receive N by the data and ~.'~ ~ ~dS~
YDU may pay more ihrn the mirdearm payment due and may P Y
owe us at e-ry time. It you Nava r bd ~ fiir neaehrrgis breaus rmrnce ehatgrs
s Done! you psy us, the hse you wrp pM'
accrue on yotxbaleaco oath dry
Your bRGng stalemad shows your beginning balance and your andbrg 6dence Itht
'New Balance' on yew bAling statemantl It the New Belann it 51D BO w iris, yew
minimum paymarn duo wig ba ihr Now Balance. Dlheruvita, it vvdl ba Ufa largest of
the toppyrurg:siH.ll~2% of the Nsw Balance; or the sum of t%dthe Nrw $elance,
tetsF biped padodis trio ont duecweilsti add any amlo al past due and lanes o-
purl ottha mltdmum paym
over your crodrtiMa
peymant Altornltorc You egret Ural wa era authorized to agocde your payments
end ered'iu fn a wry Ih~tuk ~ fianisosnd credits to b lenaces with lovers APAs Icush
euthorlto us to ep y P Y
as promotional APRs) bdoro balances wkh higher APRs
CridB BoleaceK You may request a relund of a credo balanea al any Umr Wa may
scouts Ura amount of any credit balance by the amount of new chsrprs or lees bglad
to yautaceova4
Aulomafic Chatgos: You may eetltorhe a third party to automatkagY charge your
e ccouM for repeat vonsecUons Itw exempla, monihb udpty charges, membetchlps
and insurance propuumsj 11 automatic charges are supped lot anyreason (incinding
boeeuca yew etcounl }: closed ar suspended for arty roasoa) or Yow aecoucd
numberchenpos,yooanrrsponsiblelornolUyinglhebgkrsndpayirrpUwse :haUpe~
dtrecUy !(your account number changes. ~irt~hnmkad lto be blAsduyom old s count
your new aecourrtnumber chorpes that you
num6aG
Pramaliorrs: From Limo to Uma wr may eHar spacial farms for your account 11 wr
AnY pramotio~iecubj tl for iho term Dl Httris rgre mant as modified by the,
promodond oHoc
FtIVANCE CHARGES
ODiIY Psriadie Reiss and AnauadleUarc~pdc etas erooGctod oa rho Hates end Foe=
('APRs? and Uta ewtrepondmp Y P
Tabir that is et the on of this doeumaat or Provfded nparxaly 70 gat the deBY
porlodk tau wo dhddr the APR by 36i, end in eNsct sivrayc round up at the filth
placeuUrrrightotthedacknalpolnt uracwuntme vs wiihehaapes
VodebloAslacOnaotmoreAPRsthalrpplYtoyo Y rY
to the Ptbrro Rete When you have sn APR that vedes with charrgvs to the Pdma
Hate, tNe celeu4u thr APR by oddmg r margin a the Prima Rau pubBtbed in fie
We6StreetJavmaftwo bnsbressdrys before thr Closing Dau drawn onyrar bRgng
stelrment. The'Prnna Asu' is the highest {U.5 I Prima Rau prrbgshsd in the Nlanry
pates section of fir WsNSrreerJaarnal 11 Trir pYidStrsatJDUmrfatopspubgshing
the Prima Rata. wa wig select a smrAar reference rots and inlarmyou onyourbgRng
stsumanl or Uuouph a separate notice
A 'margin' Is Urr percenupa we add to the primr Rats to ukulau the APR A
'busbast day' is enpp doy tint is net a weekend or Iodaral hoGdey. Ths gazes and
Foec Table shows wMch taus, H sad era variable rtes It ales fists ihv mugin for
oath variebls rou rnd any minimum logy periodic nu and wrrespendng APR
Two 6usinrss days heicra lire Gasurg Dan shDwn on your odfmg steumsnl wa goo
what the PAma gate k. We -hen add the appfierblearargra to thdPrlmo Pau to gat
the Al'A. Tha dally Pariodrt nu is uteulaled u daterrboo above
Il ow eetedaUon results in a ehonge to a deNy periodic seta vam the prsvioue bfliing
cycb batsusa Urr P[fine Rots has changed, Ura new tau will appF/ ac of the lust
dayy of year 6gUng cydo That mils in Iha colander month in which vw mode the
celculeUan ItUndsgypariodrereuhrcnrces,youwigheveupayehigfrarparrodie
finance charge rnd mry have u Pay ^ higher minimum pryment.
DdauA Holes: Yonr APAs dao cosy vary it you era in dolauh under I)ds agrremeat
or any other agrermont yes have with us or airy of our raloted eanpanies for any of
the lagowinp masons:
• Wa do trot recahre. Ior any peymant that is awed om ddv. by h d is aWi+du e
seeoum or loan with us. aI Iresl the minimum p Yrn
due.
• You exceed your credit flna an th(t account
• You cooler s paymrnt to us tMt is not honaod by your bank
• TatheexterdeAowadbylew,il,dartydmeatleryoweccourdtsdosed,wsdemend
immsdiate peymant of your outstanding 6etento and wa do not recehh ptymont
withir.:he time we speclly a romodonel
it nny or these events octurs,waauYiauoasa thr APRs (tattooing nyP
AP an og balances{excluding overdreA adveneasl up u a maximum d the doleuh
rate crated in dra Rotas and Fves Table Wo may consider the toRowinp lectors to
datamine your default rete: the length of timt Your account hoe born open, rho
oristrnca,seriausnessrnd Uming of the detauks on your account; other indicatitms
of your aecoum ecage and padormancr;lniormrUonaboutyour other taladonahlps
sloth us or any al our related rompenier end inlormedon wr obtain Isom consumer
treG~rs~adayolthebgg geyckinwhichthsdelou~ltotcursta~ndra7appiptoHprnchase
6alancss bom the previous bilfing cycle for which periodic finance charges hove
not brae absady bigod
II wa decide rut le Incrense your APR oven though Ihoro it a datauN or fl wo do not
increaa Yarn APA up to tfn mrtdtrwm ddsdt tale stated in Iho flares end foot
Tablr, ws resern oar right to increase your APR in the event d anyfuture default
stipdedlrttlss to aaA ousel eu baton es on your eteouW.leuN Mss or roinststa
l"iesaa Ciorys CelculsAon-Two-Cysts Avorapo DsBY Balaacs Method (laeludinp
T~ aq>o.sl !w Dthrr T asae0otu: t/treDcaleulou prnuodb GaanesdChetlges
saperaWY for weh balann ossocieud wkh a different category d vansacUons
(tor eruunpia,ptucbasosr balaaer vanclers, balance vansfrr shocks, each edvenees,
Dash odnoea cheeks, ovudnh advatues, and oesh promoUrmj. Tbosa eehulorions
maY combioa dr'Arran- cetepprias with the soma doily peitodic rotas This is bow U
works.
We cdsuhu flu pariodk Rasnce therpra for purchases M hue slaps, as rollover,
• First, tat qeb doy o[ iha bggng etch, wa mukipy the daily bairnes by the daily
parhrdic nta
• Srcend, lot each day of the praviousN lip ~q soma dsmula,iodic wt H Howava~
Iwpurchrsesmedrlnlhetb rngcYc by gYP,
vva da not do This second slap if wa reeaived payment is MI of Uu Naw Belanee
onyonrpprratdoos bRAnp auumaM bythe dote end Ume Iha minimum peymant was
due or Ns padodle Aaener charge was already bgird ort thotbdanca
We ealculau iha porfodie fmanee charges iw purchesac subject to s promotional
rote the saw wet: but wa nsa the promotional rsu
We toiwhu ppoonodh: linanw ehsryas for baUnce vrnstws, bdenee uensler
shaslr~etdradvansas,caehedvencachacks, and eserdreh rd»rrcas,bymuldpiving
the daily lydmca for sash d these caupories by the dopy periodic rate for eat ul
lbossutspwias, each day You may have eserdrsh advaneas onlyilyouhavelinked
this eecaaatw a chalking eecoont with one of our related banks WWe eaicuialo rho
p~dadic !Donee chargqe: for bolonea uonslers, balnner vanatar chocks, rash
adwnear. and cash edvattse chetks subject u e Promotional reta the same way.
but ud~ use Use promotional reta
Ta gelUra derTYbefenta for each day for oath category:
• Wa take the 6aginnlnp bdanee for that day.
• Wo add to Ural balance any new irnnsactlonc, leas, other chrrgas, and debit
adps>mrnts that spplytrthat category. Wr add a new PPurchase, cash advance,
6olauavaader or pyrrdreNedvaaes,B epplisrble, tothe drilybaimea as of ore
Ireasadioa date, or a Ieterdele of our choice Wa add a new eesfi advance cheek
or balanea vertsler shack to the daily balance as of the data rho each rdvenee
ehotk ar babnce varTster shack rc deposited by a payer, ar a later dole of our
cbeita
• UYa atrhlnW from that betaaca arty paymenu, credits, er credk edprstmonts that
appiylo Utsl eat~pp~ry cad That era credrud rs al that day
• Wo vast a crook hdancr ac s belente ot:ma
Ta gqat__fbabagimdng baiaasa 1°r cash satopoty tar the next day, -w add iho dsAy
pariodfs fmann charge to the daily beienso 11 more Uran one doily patiodis rata
eodd to s eotopory because the rate fm tin category may very based on Iha
(oap~ d AY bafnnca u"°un °t tirai nil of tkao6~i6rPrp~rytL oc oltulela the
daily gerbille Harnce charge oesh day Thia apraament presides for duly
eompgradbp of fmartra elwryos
To yyal tin told petitrdk Rnroce cfur9a for rho bppnp cycle, we add eU of the daly
padodk Goarrca charges for each category for such day during Ihot billing cycle,
plus the dedYpariodk inance charges on purchesae, R tmy applY.lor the previous
bdRrrp agate 1{atvavat.ll arty gerbille Rnanee r:harpa is duo, we wiA sharps you ~t
least iha mbrimtoa potiotAe Rnenca eharpa stand In thr Rotas end Fees Table II It
nod the onto ale the b ~irsr< for purahasec mod durMp the br'INnp tyelarpa, wa
Tha tmal Uaanes eharpa oa year account (or a bHling cycle tvW be Ure sum of the
gerbille !manta charges phrs any vansecUon too !manta charprs
for ihr t6ilGrp eoy~Is b'Y oddorp aB Your defy bu! ncas and drridhr Ihat amount by
the armbu d days in rho 6Apng cYele Ii s poriodie Rneneo sharps for purchases
made dudgg the ptaviouc b~in9 cycle s~pGet, the average daily balance far those
purchesrsk ceiculeted the soma way I You muhiply thdeptoyvarepe deAy 6alente for
acatogorybYU»lvoleDo~ s~da~D°f~aquollhadperirodreRnanse~argeslorthat
d days dUteldlflnp eYrt
helmn atvAroubla loWetbiging eyelr, except for minwvedaUons due to rounding
Grata Psdodand Act:rea) otlinsaco CbargoG We atcrua periodic Raenu charges
on a trensecdoR tss, orfmante charge From the data h is addaduyour logy balance
andpsyraaMbltd is recolred tmytrur ecnurrt Howaver,wa do nolchrrge periodic
fineoce aMrges on rnw parchsses trifled during a bi~np ryele it tNe rocehro pryment
;„ yot• Na.v Balance by iha data and U•ns ~uut miniatum part~mast is duo end wo
reeehrod payment of your New Balanea on your Qraviws bpDnp ataumrnt by rho
den arrdUmeyour paymvnlwss dus.Tbis azcepbon or'grocr paned' applies only
Io purcbasrs and does not apply tv bdonte vsnslers, balance uonsior chocks, cost,
ednnns, cash advance epee or ovordreh advances, it appficebte
Trspsaclioa foss for Cas4 Adrancor, We may therge you a cash advance Ise in
Ihs amaamstatodin the Races end Fesc Tebfe for each of rho logowing Uansacdons:
• resit advanta cheeks,
• cosh rdvencos
eyu :.m
In addrdort. H you use a Udrd parry ssrvko to mtks a payment on your behalf and dre
service chtryos the payment to this accouN vw may charge a lransecUw tee for Iha
payment
Thesalrantectieniracertgnancschsrpss W~sddthrlaelathabnieacelorlhsrdetod
category is of the uanreetitm data of the escas~ vance balexncepla, r transaction lea
tar a cash advents would ba added to your
Trenstclioa Fees for Balance Translate: Wa may ehtrpo you a balants uensier tea in
the amount stated to the paint and Foss TeWe for cash of the lollawing lrensaetbns;
• balance uenslarehackr,
• belanse translero
These transaethm leas era Gnsnce charges. Wa add thr tee tv the balants tar rho reletod
fee Porno 6a1~ ee vans ~rtwould be nda:A ospow balaneia uensler balarhieo irsnsattisn
U'fHER FEES AND CHARGES
ea Ti61s Th se l esw~'rGhe added o th b once (orepmehases made during the bitirp
eyrie.
Annual Msmbsnhip Fax 11 your oeeorad hat an annual membership lea, ri will ba biGed
each year or in monthly installments jas staled it wh~e bHlsddThe comet mrmbmship
not you use your eecoual. and you aPra to PaYx
ta^ is nontdundaWs utdass you nouty us that yea wish to close your acsouM wRidn30
charg d end ottbwiasame drag, you paYYa ~t uadmg b° °ncn n uaPsyy~mmant of
the annud membershi ba done not aBast our tight to cinte your tastunt to Gmh your
a pp
right to make trrnsae0oas an your steouat !1 pour aewuat it cbsrd by you or us, we
will continue to charge Ute enneoimmrrbarship twunb7yau payyeuroutstan~rWbdsneo
in full end Ianrdneta your account relatlons6~r
Lino Fox Ii ws do not raeaivt at IoosttM requrisd minimum payment by Iha data end
Ums it k due as shown an Your billing atetoms-x for any bHGnp cycle, wa mayy sharps the
Iota tae shown in Ufa Rttos and Feas Tehla II the Ins too is based on s betence, wt
eutr.gatu Thu lat+ tea using Iha Previous Bdann on IM currant month's smlomoN that
shows the tale foe This bdaaea k the same ac the Ntw Batanea shown on the prior
month's Aatemsnl for which ws did not racoiva at Isscl the rsgvked drdmum peymonl
by the date and time h was due
cycio oven 1 at loY or a day, weimey charge eauovsrHmit Ito Wayrney chargi thk lee
evengyom balance is wertha ccedri Goa bsaauw of s tinanta charge aK tea aro imposed
or n trensecdon m oulhoritrd We wN not ciurgt canto ihea one ovarRmri tea for srry
billing cyc4. But we maY charge en overGrrdt lea in svbse quont bHTmp eyeios, even H no
new unnsoentma ere mods on your ae~o M b~nY ~sunl betanes still k aver your
credt tins at erry rhos doting the subsatp
Hetvm payment Feo: U jt) your payment shocker similar Instrtmient k not haamad, Ib)
a p°ym n[ ehask~baeauss fl istnatmsipred ormsannolrba proeossod. wi m Y chops a
rofum payment tea.
Retum Cbock Fan: l[ (ai we stop paymarit on a crab advanta cheek or bahnse uensler
cheek el your request, of Ib) wa refuse to pay a sash advanta check w balane a uansler
chock, wa may charge t retnm chock ha
Administrstive Fsas: H you request s copy of a bipinp statgman4 cdos droh m other
record of your scrount ar H yon rogvast two m mole cards of arty spacial asrvicas Ilor
example, obtaining cards oa awniepadped bostsj, ws may ehttge you for these sarvlas
However, wa vvHl not charge you (ar eagles of Wlbrg Las enopainsl os tender aPPgt~obio
dacutnards that you ragwst for a bHRnp drspnta is Y
la s om Uryps loetime tin effect when woadter ~ssa~nd_ otntr s srvieos we provide, Use
OEFAULT150LLECitoN
Wa may considaryau to ba to deleuh H eriy of rheas occur-
s We do not raeaWe attract the minimum amount dra by the dots and time duo os shown
on ytror bHGnp statement
• You extend year crodh Gna.
• You IeH to comply with the terms of this epraemant yr airy aoreamaM with ono d out
related campanias-
• We obtain infamrGon that teaser ut to bsReva thatyou mat as urimlgng or unoblo to
pay yonr debts to us m to otMrs an ems
• You Tdt for bankruptcy
• Yvu become ineapacRoled of In Iha event of your death- .
if we consider your secountto be in dtfoult. are maY dassyour acctwnt whho v louse
artdrequusyoutopeyyourunpaidbetaneaimmadiatelttWaelsomayragrrksy P Y
intarosl at the rely nt Two percent {2%l n mordl- oa the unpaid balance when wa deem
your account to be cis or mma bHl'mg eythe pest duo.
To rho extant psrmhtad by law, it you are fn daftuk because you have leried to pay us,
yes will pay am cvgacUon torts, eTtmnayt' teas court costs. and ell other expanses a!
enlo-chip our rights vndtr:his agreomanl
CL081nC YOUR ACLCUNT
You may data your eccouM at any time 11 yen Lett us to close. your account. we may
require that you confirm yam request in writing
nJiry raaiea withevt priorvnoUca a ~ 1 es re~irei by appgce levliw It we close your
account vve will not be liable to yon im coy eonsequbncos•rasuRing Tram slating Yaw'
n ceounl or suspending your cradri privtsges
ti you or wo close-your oeeorml, You and any suthorited users most knmadietsiy slop
using Your account and destroy aH cards, chacke or Whsrmrons to access your accwnt
or return thorn to us upon nquett Yet wll eogitsie m be responsible for charges Layout
account even if they ors made or pranssed ahervonr accoum is closed end you will
. i r ..- %i~4A i2G:
bs regtirnd to pay iht outstanding balance on your account according to the terms of
thk agreamrw. la rddidoMto the extant ariowod by lave m may ngdra you to pay the
ouWaadbp iratsnce imnadfataly or et any lima attar your account k closed
ARBTTAATifIH AGREEMENT
BED V~t'DDgYgJNptNB~ARB~RRATION A~ReITRATIONfiEP1ACESTHERIGHTTDGO
TD l~liBT: YDU WILL NOT BE ABLE TD BRING A CLASS ACTION DA O7HFA
REPRESENTATIVE ACTIDN IN COURT SUCH A5 THAT IN THE FORM OF A PRNATE
ATTORNEY 6fNERAL ACTIDN, NOR WILL YDU BE ABLE TO BAINO ANY CLAIM IN
ARBITRATION A5 A C1A55 ACTION OR OTHER REPRESENTATIVE ACTION. YOU WILL
MOT BEABtETO BE PART OF ANY CIA55 ACTION OR OTHER REPRESENTATIVE ACT10N
BROUGHT BY ANYONE ELSE, DR 8E REpRESEMED IN A CLASS ACTION DR OTHER
AEPAESENALTNE ACTION. IN THE ABSENCE OF TH15 AABITRATiON AGREEMENT, YOU
INACOURi:HFFDAEAVJUDGIEORJURY,ANDJDR70 PAPRTICII'/AEORBE RREPRESENTED
IN A CASE HLED iN COURT BY DTHETtS jINCLUDiN6 CLASS ACTIONS ANO OTHER
REPRESENTA'tiYE ACTIONSj. 071tER RIGHTS THAT YDU WDUID HAVE IF YOU WENT
TD A COlll[~ SUCH AS D15COVHIY OR THE RIOHT TO APPEAL 7HE DEC1510N MAY BE
MOAEt~ p(CEpTASOTN61WiSEPRDVIDEDBELDW,TH05ERItiHTSpREWARrED
BiadrnpAr611raUon,Thk ptbhra6onApnsmemis made porsurmlto auansacGon imrolvinp
iderstaV eowmrea, and shell ba pwarnod by and 6o satorsaa6le under Iht Fadarsl
AtbriralimAdida'FAA'1, 9UB C.51-18 eshmeyba amsadad ThkArbbrsUonAprosmsnt
sale tvrththa airtiamstancas and procedures andarwhich claims (ss da(ined belowlmsy
ba rasohrad 6yarbiuadon instead of being GUpatad M court
paA(asCvvsrad.ForUuPtupoaosolthisArblVStionApreaman6'vra; its",and'our also
inebtdassntpwd. subsdiaries, siQimos,Gconcaes,predaeesmrc,successors, assigns,
any pnrebasar of your Ast:oun4 end sg.of Uteh offieprs, dirocrors, v loyaes, agents,
end assiptts ar say and aG otiham AddriionalW,'wa ;'ni aad'vuf sbaU~luds arty Udrd
pony pranirlirtp benefits, tarvkes, er products in conneetbn tuph tbt Aeeounl fineludinp
taut not Dashed to srodri burnus, marthants that a ccspt any endRderiea issued uadar
Uia AetoimL towards programs and aafollment soivica:. ttsttlt insurenra corcpcnies,
debltdrrdt> rn~ Ibirdtfrroir is omed hytyau oc a ca~datandsatin erry Clairnsyou es art
H, tad oriyG; P ny
egabrst us
Clakns Cavartd.. Elthar you or vw may, without the other's consent elect mandatory,
bittdrr~ arbitratba of arty claim, dispute or convovarsy by either you or us opainsi the
oUtay w apainstUra ampioysas, parents, subsidiaries, eRr7ratos, bansticiarios, eponts or
assigns oI Uu olha , ericinp !mm or roLbnp in•any way to rho Cardmomber Agreement,
arprpriorCardmamberAgnamant, yam erod'n Lord Aeeoveawiha advartising.eppGeetlon
or appcoral M your Acwenf ('Clekdl• Thit prbHra6on Apraaawnt povorns ail Claims,
whalbu suet Claim: era brand on law, stature, contract rapWetivn, ordinonee, tvrL
carnmm Iarw consUlrtUatwl provision, or any bgal Theory d law such as rsspondoat
aypp;frr;,oysppothathgal or rquriabiaground and whetharsuebClaimt seek a nmodiss
money daauges, panalUes, InjuneUtms, w declaratory or aquitsbla raDrl.Claims subject
totlrk ArbkreUmtAptosmenlinebrdt Claims roprrdinp the appDeobGriy of lhts Arbiration
AgraesaoatwthrvaRdity of thoentire CerdmombarAyyraemoMorairy prim Cerdmomber
Agteemaat lid i lh~ifutura. As used in UtislArbiuadon Apreemsnl the came t~'laim i to
In the pratsnl
he pivanthabroadsstpossbla mssnlnp.
drbae subjret w arb'rusUon include Claims that ore made is eouaterelsims, cross eltims,
Wdih'djpt ~ diet rbitteikn wiUt rscpatt o any s cFr Cla ms sdvainced is ihs Iswsuri~by
u7Pugorpsrfies•
As an sxeapUon to ihk ArbiueUon Agroomarit, you relehi Iha alpha to pursue in a small
claims eowt say Claim thetitwRhin that couri s jutisdittion and proceeds on on individual
basis lla parq skctsto rrbitrale • CIe1m,Ure erh'grtUonvvHl ba condacted es onindividuoi
atUon.NQCrr you nor wr tprva tv enY crbiuo:ton on a Jaa± yr ropre, r: tart:. h+~a,
and tlta arbbrattu sbaG have no authority to grossed on suah basis. This means that even
H a class at:dvn lavrswlorother ropreuntvtive octbn, sash ss Uratia the loam of a private
sttemeygsnarai tgion,ls f8ed, sri~ Claim between us related to the ltsnat nbad in such
IawstrdstaN be tubjest to ea ittdivrdwl rrbhradon Balm if either you or we so elect.
No arfihtation will bs soncdidmed with any other rrbitra6on procesdtnp wiUrout iha
cnnsatlt of aD parUas Iha only peltns Uta1 may he joined in ea indrvrdual action under
this AriitrationAgrsamantara lU those brought by us apsiastyou and any ca-eppGcant
load t:adratnabaC of auUwdzed user of your Account or yytwr hake or your trustee in
barduuptey m lit Lhasa brought by you and nary to-appRCSee, taint nrdrnambn4 or
auUtmitad asor of yourAecovnt, or your haws or your trustee in bvnkruptey egetnst us
hriUsGaQ d ArbitcaUoa. The petty fi9np a Claim in erbhratba must choose ono of the
IoBowin9 two arbiue6on edminisVator>~ Amarieea Ar6{vaUoa Assodatlors or Nadonal
ArhhraDmr Fornm.Thasa administrators era fndopendent Iron us Tha admirdsuetnr does
cwt eoaduel rho srbittaGon Arbrirotion k rnnductad tmdvr the tutus of the selected
orbitratlon administrator br an impoAio) Third prAy chosen in accordsnca with rho rules
of rho sahned erbiualiDb adminkualor and as may ba provided in this Arbitration
Agtaemwa. Arty erbiualton bearing that you attend shag ba halo n e pieta chossa bu
the vrbitralor or erbihaoon admrntakator within rho iadetal judMel rfisvr•.•t In vriiich you
reside atihr time the Clerm k IRed, or at same other plate to wMch you end we agree in
wridnp Yoe may obtain copies of the cornet rules of sscb of rho Iwo arbluetion
adntaistratttrt, intormadvn about orbiuaUon end or6ivetiori lees, and instructions for
bdUstinp arbhration by eontoeUnp the erbivadon administrators es follows
Arasriaaa ArblUOtira pssocitUon, 335 Madison Avanut, FIDDr 10, New York, NY
10g17.458*~ Wah aria: wvrwadcorg.866-77i-7879; or
Holland At631nrlfoe Forum, P.O. Box 50191, Minnsapalis, TAN 55405, Web Gila:
wvrw arbiueUon-forum tom, B00-04.2371
Procadutss and low applicable in orbHrollon. A single, nevutl srbivotor wit resolve
Claims-The ubluatorvrit ahhsrbt o lowyarwilh et la oft ten yaara axptrionca m a retired
or tormor judge Tha erbitralion wlU ba conductadundar the appptable pracodwas
and rules of the arbtVatlon adm}nistrator that orr b ellaetoa lha dale the arbhretinn
k filed unless those procedures end ndec ace incontigant with this AtblVOdon
ApreemrnL in which ca:a this Agreement vvN prwaii Thaw procodures and rules
may limit the amount of discovery avaAablo to you or uc Tho ubhretw wit apply
rppficeble substantive law consislam with tbo FAA and appGcabla statutes at
~nnitatlons, end wRl honor eteims of prlvgege recvgnaad al law Yov may tltoose to
Neva s hearing end be represented by connect Tha arbitratawiUtako roasonrblo
stage to protect customer Account inlormation sad other conpdvntial inlormadoa,
inetudinp thr usb of proueu w us. Tha a PrbitratorwN h the poworhto award to 0
it requested to do co by yo
party any drmspec or other reRet prvridad for undo appgcable law end wUl na
haw tka power to award repot lo, sgainsi, yr br Iha boneRt vl eery person who is
not ^ psrty_to the protredrnp it Iha law authatus seek nfioL the arbiurtor mry
award prrmtiva damage: or anntrtW rase Tho abiuator wAl mrkv arty award is
writing but nand not provide ^ slstedonl of reasons unless requested by a parry
Upon a request by you or us, Wa orb"vrafor vr~11 previde r briel statereaM o1 1ho
reasons for the award.
Casts. We w1U reimburse yon for the initial arbiuadon fiGag Ira geld 6yyou up to Ihr
amount of S50D upon raselpl of groat of prymonlAddkbtuUtr, U therr Is a hoariap,
wa writ goy eery lass o1 the arbitrator and erbllredor sdminislrolw for eke Rrst two
days m that hearing TGs payment of any sneh hating tans kY vs will br madr
directly tv the erbilnUon admhdstretor selected by n w us ptrnuant to this
Arbhrrtlon Apnement Ali other ues veiU br albsaud Nt keeping wilk Iha rater of
the erbiVetlon administrator end applkebie law However, we wrll advance to
raimbtuer filing loos end other inns it the erbWatlov administrator or srbhretor
daterminas tiara is good nesoa for ngvlrinp us tv do so or you ask us and wr
detorraina than is good sauce (or doing so Each party wN brat the expanse of the
race and costs of that prrty'a etwrnays, exprrtc,wiursssas, doeumoalc and other
expenses, regardless d which party prevails, fora PI~ n~ ndppeay appeal (as
permitlad balowl, aztopl Ihal rho erbhntor shag a en a Ree o law in
datertrlninp whether a party should recover ^rry or aU tear end tests Iron another
party.
Eniarcnman6 finality, oppoa)c Failure or any delay in anlorcing Ihic Arbtration
Apreemsm el anytime, orfn connacgon wkh anypenkulrr Claims will not consuwlo
a waiver of any rights to rrgaln arbiuedoe et a later time or ht wnnattion whh any
other Claims Any dreFslon rardaaad is oath arkkralioa procndinp wiUba final and
binding oa tln parties, unless s party appals is wrMbp to the srbilrelion apotdtedan.
within 30 days of issuance of the award Tha appeal aural request a new arblusUon
bettue a penal of two vrulwi erbilntors dasigaaud by the scare arbitration
orpahlrotlvM1 The penelvnll rosonsider aU Irctwl and legal sutras enavw fvpaw Utr
same tutor tlrat apply to a proesading using a sktpla stbAretoy and tarkr dacisioas
based on the you of the majority Each partyvsUl Doer [hair trwrt iaas~ costs and
expenses for airy appeal, bW a Parry maY recover argr or ari leas, sorts and oxpsnsas
from another party, it the mej~-iry of the penal of arldUamrs, epplying ri;piierbb
lave, so datarminos An award in arbilrotbnwA ba adoresabis as provided by tka
FAA or otlrer oppGeobir low by any coon havinpjurhdir:don
SaverrbiUry, survlvn4Thu Arbitration Apreeawnt shag snrvtw: n urndnrtlan or
changes in the Cecdmomber Aproemrnt, the Assam[ end the retadonsldp 6atwean
you and a concerning Iha Account, suck rs tM issuing of a new aeeotrq Wombat
or the trartstartktp of Iha balener la rho Accoum to evolhar u-vn u~r bihl It•
6enkrupteyotnnypoAyorenysimUerproeeadtnpiaiUaudbYyrw You ,
vnd Ihil Payment of the debt in Ing by Yea a by a tlthd party U any portion of this
Arbitration Apreemavt It deemed imrRd or v-wolotceable, the nmahdnp portions
sheA nevertheless tomaia is forsa
CHANGES TD THIS AGREEMENT
We ten change this agtearnetrt al anytime, regardless M whether you Lav+. rr.ress
to your secovai, by adding, drledng, ar modlhiaB arty Provision Our dgM to add,
datau, ar modDy provisbns includes Ilnenciel terms, such rs tM APRs end laps,
end other corms such as Ike nawte, aztmt, sad srdarcement of the rights and
obligations you m we may havr rrbtmg to this agrament ModiOcstiorts, additions,
or dalotions era eoNed'Chrnpai yr •'Chengo'
Wa tadU notify you of [try Chettpr it nqq~bed byapppubta low Thee Changes may
be oNoatiVO tMth notice ordy, et Iha dine sutad Lbw na ~ ~n ~ ~ dha un aW
vppficrbb law Unless we ttrtr olhnnvfre, aay g DP Y P
balanceo vn Your acsount and to new kenarc9ens
Tha nuCsa wUl deccribe arty rights yov moq have with~rawsPForeuxammpb.Iba notice
the consequences O you do or do not tzar r those d
may slew thdl you may nvtUy a in writing bV t speciflad daU U you do nvl want u
accept tannin Chrnpos we sre making II yve reality us M wrltlnp Utat You do not
e step! the Chenpea, your account may bo closed (p h is not already elosedl end you
vviq 6a okfipatad to pryyom vtrtstandiny balrnce undor Iha appfirable terms ai lha
agreement It you do not noalytrstn writing bythedata sued in thanodu.or ilyau
nvlily us but than use your etcount slier rho dote stated in the notice you will be
~.,z,„cr: to accept ell Chrnpas in t`•r. n.1i:a and to accept and confirm aR tear., c`,
your apraamaM end e11 Changes In prior nooses we have sent you regardless o1
whether you have access to your account
CREDIT WFDRMATiDN
We may pariodcepyreviaw your tredil history by obtafiing information irom credit.
btvoous end olhen:
Wo may rrport information about you and your atcaunl to tredil bureaus, including
your isibrte to pay us on time. l[ yyou request addkional cardc on your account )a
vthore, wa may report account intartnst'ron is your Home as watt as in the names of
those other aeople
II you think wo hove reported inaccurota informadon to o credit bureau, you may
wriu to us at rho Cardmeatbnr Sorviu address listed on your btpktp staumenL
Pioaseincbrda nurttema,addross,nteountnumber,teiophononumbarondabriai
daccr~livn vt ~a p-oNam 11 availebla, ptoasa provide a copy of tlra cede bureau
report iw questbn Wa wN promptly iavrstigete the mortar end, i(our itrvastlpetion
shows that You era right, we vrUl rontoel each etadh berate u which vrr reprrrtrd
theivtonnauoaand ngaastthaycorr~ctthereportitwedisagrvawithyouahar
our jnVOSUgrtlot4 ova wN toU you in writbtg or by tehphono IAh ovrtl also nvdly lha
credit bureau Ihal you dispute the inlormation unless you let us know That yov no
iongu dispute thr httarmatlon
NOTTCES/CHANGf OFPEASDNALINFORDAATION
WovriAseadcards, stetamontsendothrrnnpcestoyouelUtetddressshown
in err Rlos. Or, D tl-is is a kU eeeouat, we can sand bUlinp statomsrrls end aotlees
!o any joint eesrunthoklec Nodca to one ul you wll br ctmsidand noGsa to all of
you end oU m you vviU ramab obUgetad on the account
1t yov chanpr Yaw acme, eddnss, or home, celbler or business tataphone number
or emrl address (il yon elect to rusona bfiinp stntemants or other notices oniiaoj,
you must notUy uc adltlely b wridng et for addross shown oa your bilGnp
slaument • Ws may, al ovr option, accept moping address eorrecUorts tram the .
UnUod States Postal Sendsr. Wo may contact you about your account. krelud'mp
Ia customer service or cogrction, at any addross or telephone number es weU es.
nay cepnty talaphone aember you providr us.
TEiPP(iONE MDNiTDA1NG AND flECOflDING
Wa, red U appFicabla, our aunts, may tirten to and record your lelaphone rails oath
us. You epee that we, end rl rppRceUlr. our eponu, may do sa, whsihsr you or wo
iniGrto Iha tetephonr cep
INFODtAIITiDN SHARWG
You autltorke us to shoe cenatn inlormation aboutyou end your eccouMwitidn our
lempy of sompatdos, evd.wwithh others outside ovr femitl+ of tompenias iactudrnp any
companyor orpenicodon whose name ar mark may appear on rho cards, rs pertained
by Isw. Our Pd'nr/ PoFcY, vrbi:h is pru:idcd I, yot~ tvhaa YDV tirsl receive on
agreement andelbaslovca each cslsnderysartharaeitar, doscn3as owirdormodon
sharing prectkee end the eheices yov. hove and dlreelions you may plus trs about
our sharing of iniormadan about you end your account wish comporaas or
organisetlone viah(n and outside of our lomily of componiac
FLiINDIS CAADMEMBEAS
IpkmkiawprnvWa del wa rna aotshen intormotlon ahem you wltA componlos
of other r-rpettkatiens outside ~ow lomily of eompanbs unlvcs you authorize rho
discbstrre yr unless the dlsetosure urea undor another excepdoa b the hw (such
ss sharing inlortneUoa to process your trensactlans of in rasponss b e cubpanel.
Yon hereby rgree the4Oyon choose not to exercise the appUcaWe opt out dessttbed
b our prieasy~Polky, youvdq ba,detuoad to haw ruthvdtod as so Shan personal
inlotm:tioavaa hrva abootyov (inmctnding inivrmatbn rvlrtad to erryol the products
of eatview yon mry have wrih any vl our componiesJ with eomprnles or other
orperdxationcoutst/e of ourlomdyolcomprnies
ENFOACINB TRiS ACAEEMENf
We son deleyentorsktp M vat onlorcr arty of our rights undarthis egroamontwilhout
losing our right to rnbrca them in thr fawn.ll airy of the trtmr of this agreement
are iound fo bs uerniorcaahlr, aU other terms will tamale in tuR force
ASSiGNM[~IT
We m ensign your accouai,.any avrounts you owe us, or any of our rights and
oirRgeJ s urdertldt epreamantm a third p6tty Tha parson u whom wa make the
asiipnmenl wN bo erddiod W arty of ow rights That wa acsign M Uset parsmt
GOVERNING lA>,M
THETHiMSA--IDft4F0flCEMp~R DFTHtSAGAEEMFliTAND YpURACCOUNiSHALL
DEGDiIEP,r•EDP.R'DIIYTfPIPAETECIN,A.:CORDt~ CE;Y;TiiiTDEHAI.UYYi.1.'O,TO
THE DCfENT STATE tAW APPLIES, THE lAW OF DEIAWAAE, WITHOUT tiEGAAO
TO CONFLICT-OFIAW PAINCIPIES. THE tAW OF DEIAWAAE, WHL71E WE ANO
YOUAACCOttNTAAELOCATEO.WELL APPLYNDMATTER VVHEREYOU LIVEOAUSE
THEACCDUI~
FDA INFOAMATTDN
Plorse ell the Crrdmombar 5arviro talaphone number on your surd or bluing
statementil you haw aay questions about your account of this rgreomont
YOUA BA.LiNG AIGNFS
UoapTbir Nollca Far White Usa
Thk noun coatafns important inlormation abaul your rights and out responsibflhios
under the Fab Ccvdri Ddgng Act
Nogfy Us la Cace D! Erton Or DrresHons About Yavr Uilt
II you think yaw bN 4 wrong, or it yov need mote inlormation about o transaction
on yorrtbiU, vyrrie us tin r soprrate shat at the Cordmambar Servlea oddrrse shown
on your 6il6np statement Wrhe to us ns soon as pvsstblr We must hear irom yea
no later Dten W days shat ors sam yon the first biU an which the error or problem
•ppz:r•d ~YYc~atrlt9hoseU:b'^.doinysewTnotp~aserwyourriytits
In your tenor, give vs the tollowirtp inlormation:
• Your none red account number
• ThadoUeramavntoldtesuspocted~rror
• Dascdbo Ile stmt arai art-loln, i1 you ten, why you believe thorn is on error if you
need more inltmatioM describe the irom you era not sore about
[[you hew aetitorftedtrs to payyour tredil card bUl rutomedcallytrom your savings
or ehacl:btg account you con amp the payment on nrry amount you think rs wrong
To crop the peymenS year later must roach us at least three businras days baloro
the etrtorrtetre paytrtantis scheduled to oewr.
YourAlpku And Dur fluponstbTlitias Ahtr We flectiva Yaur Wrinaa Nolict
pigs a ni G Rl:..:::: .
Wa mull ecknowledgs your letter within 9D days, unless wa have corroctsd the error by
then tKnhin 90 days. we mutt either correct the error or expleut why wa begevs the 6111
was cortect
AKar we receive your letter, we cannot try to eogstt any amount you question, or report
you as degngvenl We care conGnve is bdi you for the amoual you question, Ineluding
linonce charges, end vre can apply any unpaid amount against your tredh 6rls You da
not hove to pby any quesponsd smounl whge we era invsslipeling, but you era stiD
obOpatsd to pay the pons o! your 6g1 Ihst err not in qussdon
Ii we find that wa me de a ndstake on your blU, you wig not have to pay arty Ibtonee charges
related to arty questioned amount II we don't make ^ misuko, you may have to pay
amount 1n riUrer ca eYwiv~ial send qou o sl limen at Iha amount you owe apd ihs date
that i[ h due
II you Isrl to pay Iha amount that we tWnk you owe, we may report yyoou~ es delinquent
However, ii our ezplsnadon duos not redsfyyou amt you wrfta Io usvriprin 1D days telling
us that you stgl rsluss to pay, tive must teN anyone wo repon you to that yeu have a
qussdoa about your bgt And. ws must tag you tlr name of anyone ws reported you to
We must tag anyone we repon you to that rho matter has boon aotdad between us when
it iinagy k
If we don't lollow these rules, we can't collect the Grs1550 DO of Uts quesilonrd emnunt,
oven it your b~ was correct.
Special Pules Ior Credit Cerd Purcbsssc
It you have a probloni wide Ihs qusgty of property or services Ihel you purchased with e
cradrt nrd, end you hues triad in good Isith m correct the problem with rho merchant,
you may Nava Ihs right netts peq the romaininp smounl due on ihs property or wrvicas
'fhls rlp t dr»s not apply Io check uencactians Thorn are two limitebons on tlds right
(e- You must have mode the pushaco in your home stets or, g rwt waldn yourhome state;
within 10D urges of your eurront meiGng eddrese, end
(b)'ihe purchase price must have been more then 550D0.
These Gmhadons do not apply it we own or operate the merchant, or if wa moped you ihs
advrrlitemenl for the property or service; -
Gopyrighl O2DD6JPMorgsn Chase & Co Ag rlphts reserved
Pogo : r.:: :; ::-sAi: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.
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SHERIFF'S RETURN - NOT FOUND
•CAS~E NO: 2007-04$27 P
COMMONTWEALTH OF PENNSYLVANIA
'COUNTY OF CUMBERLAND
CHASE BANK USA NA
VS
MACHELLA GAIL A
R. Thomas Kline
,Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named DEFENDANT
MACHELLA GAIL A but was
unable to locate Her in his bailiwick. He therefore returns the
COMPLAINT & NOTICE ,
the within named DEFENDANT MACHELLA GAIL A
1071 LANCASTER BLVD #14
MECHANICSBURG, PA 17055
ALTHOUGH NUMEROUS ATTEMPTS WERE MADE,
WE WERE UNABLE TO SERVE DEFENDANT PRIOR TO EXPIRATION.
Sheriff's Costs: So answe
Docketing 18.00 ~- ,.~
Service 28.80
Not Found 5.00 R. Th as Kline
Surcharge 10.00 Sheriff of ~mberland County
.00
~,., 9fa~~D7 / 61.80 ' WELTMAN WEINBERG REIS
09/12/2007
Sworn and Subscribed to before
me this day of
A.D.
NOT FOUND as to
t~ ~
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA.
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
GAIL A MACHELLA
Defendant
No. 07-4827 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#06077540
3
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No. 07-4827 CIVIL TERM
GAIL A MACHELLA
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.
Attor for Plaintiff
2718 oppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#06077540
SWORN TO AND SUBSCRIBED
before me this ~C/' day
of ~ ~~` ~~ , 007
NO RY PUBLI
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