HomeMy WebLinkAbout07-5089
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff No: ~'~'- s'Q~ ~~vi`~~,Q„
vs.
NORMAN F NAVARRO
COMPLAINT IN CIVIL ACTION
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
06059585 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
NORMAN F NAVARRO
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:
NORMAN F NAVARRO
645 WEST 1ST STREET
BOILING SPRINGS, PA 17007
3. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number 4266902013563836 .
4. Defendant made use of said credit card and has a current balance
due of $4643.13 .
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 NORMAN F NAVARRO INDIVIDUALLY in the amount of
$4643.13 with continuing finance charges thereon at the rate of 6.000
per annum from August 14, 2007 plus costs.
James
436
06059585 C J Pit SJS Pit
(41
This law firm is a debt collector at
our client and any information obtai,
. Warmbrodt,42524
WEINBERG & REIS CO., L.P.A.
nth Avenue, Suite 2718
gh, PA 15219
4-7955
2-338-7130
ing to collect this debt for
ill be used for that purpose.
J age ~ °~ G
Statement ~« Sccoul7 numllsr: ,~a5 aoso 1858 9e95 ~~
Nsw SaWlos Payment Dw Deb Pae[ Dw Arrblslt MWmun Paymem dsj4p~ REWARDS'
56.919.19 OBV9W7 5676.00 91,024.19
~~1 Meka your alr,M MYesM b Chre Card 9e,vieee.
Amolrlt Endo"ed IS ~1Nw ~aen,~a-IIW7 RYn an wek.
42669D201356383600102413005343130000006
mw tlax • lsem c
846 Ww f NAVARRO
BOILR40 3PRIN(73 PA 17007.9664
I,,,III,I„I„I,I„I„Il,r,l,l,,,,ll,l,l,,,llr rl,lr„Il,rll„I
CAi?OMB,6ER SERVICE
PO BO% 16163
VVILM140TON DE 198663169
Irr,III,rrIIlr„ilrrrl,r,Ilrlr,rl,l„I,Irrl,rl,l,rlrl,l,rrllrl
7:5000 L60 281: i84 20 i 3 5 6 38 3 681'
OpenklplCbeklp Data: 04l1/I0%-ON76!07 CUSTOMER SERVICE
Psymad Due Data:
' 0110607 In U.S. 1-SOo-900.8676
MNmun Payment Due:
REWARDS 91,024.13 ~p~ 1-~S.y~.S80B
Pay by phone 1-SOD430.7958
Oublde U.3. ~ Ooteol
1.902.884.0200
PISA A `(.COUNT SUMMARY Ama+Rl Nurrt6sr: 1215 tam test gut
ACCOUNT WDUIRIES
PIel,foua Seluloe 96,499.19 ToW Credit lkr M OOp
P.OBmr i6
payment. Credit •3160.00 AwtablS Credll ~19560.6298
~
New Baluloe ,949.19 Ceeh Aooeee L.Fr
AwSebb br Cash 51.000
SO pAVM94T ADDRE88
P.O. Baa 16169
Vtlblirlgbn, DE 19018.6169
VIER U8 AT:
• ICs het, FREE u1d secure!
• Psy you d16 much more.
The dl.lw prNte9es on you credit card aoooum Irw been revoked. You~lagsr ~ COIe
eb111y b uea your crsdl aanf soooum for punklseee. Vye oan help you gN
1.500.966.5000 (cclect 1.902.691.5200) belay.
NQUC V MEN CFW ~eM eeLLAR$ Plssea qt t0o-700~3175 b redsun your
BalulOe tfOrrl lasl Nalerrlent 0 DWrY Rewenb a 1 you hew any glreslcne
RerreN doMre seined Iran rrt purefraee 0 sbolA the Diwry Rewards (am) Pbgrem.
Reward dONre trarrbrred b Rewards Card 0
pl~aatyp bsyr~ 0 CerdrRUOber ID: 1277/715
I
2 Reward dosare b expire on slelwrlenl deb in Ocbber 201 i
Vour uwamt b pest due, tlerelors reward" seined INS peeled hew not been
pooled b you unaad. Pbaee mske pie miNnam payment due immedhley b
avoid bdaMas d rewSMe.
The terms and oordtbrr d tr ONnsy RewaNe Program eppy b the ues of
any 1Yne~VOSIpu aooant t~ tr~+Irl~iYt Ingood ~ b seam a I aq~irwet~,
redwnplbrl d dsnW Dream RswsM Odsre. Disney Dream Reward Odlsre ere
non-bun4erebls. haw no aesh a manebry value and cannel bs used bwards
paymere at unautllaliad bostlorr and psymwd d an oublerdkg bsluloe on your
awry Reward" VW Grd. Please Dell 1.100.900.1678 b request that your
piw+y, Dream Rswwrd Oo1aro be esnebmd b s Revrsnb Card a it you haw erry
questar shoo! the Ohnsy Rswaks Pmgrurl.
Uae your Csrdnenlber ID for spade
Wnited-time pronwtlorle such ae Reler A Friend.
TRANSACTIONS
Trerr Arrlolml
Dsb Rek/rerwe Number MerahaM Nsme a Trerracton Description Cred1 Debt
i
06/041124/21279-9A565R00008 PAYMENT-THANK YOU 1~•~
FINANCE CHARGES
FMerlcs CllergS
Defy PeriodVc Rsb Corleep. Awrepe DaSy Due To Treneactlan Acwmulabd FW ANCE
Cslagay 90 dsys M eyrie APR Bahnoe Perlodb Rob Fee Fin Chugs CNAROES
Furriness .000OOX 0.07% $6,121.41 9D.00 50.00 $0.00 90.00
Cutll adverbee .000009E 0.00'% 90.00 90.00 50.00 90.00 SO.OD
TaW Relerlce drergae
50.00
EReeSse ArrwrM Presntegs Rats (APR): 0.00%
PMsee ass k110rnrton About Vour Aooaalt eaatorl for WIaIlOe oanpdaeon rrlselOd, preoe period. and otllsr krporlant klbrmetm.
The Correepaldirq APR V tlr rob d klbraet you I+Y when Y«I csrrY a hahrlos on ary trancectlon ralagory.
Ths ERecOve APR reprssssb your loW tmrlos drpee - k,ckdln9 trenaecYorl bee
eedl Y f.llell advarwe and balarl0e Yallelef bM • e%p/Mesd N a psn)srl4gs.
This Statement K aFacsimile -Not an orlylnal
}[OOOOOet Fl9reeetl 000 Y e 16 07.eV16 Preetdl OaeT] rM Ma mesa 194100WD100007eMe1
Apo://inatastirnage.8aid~avreeet/Stan/fop/J ` ixectl~.yoP
~~ ~~~~~~
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pmmict to caw Y-sr ~ none p1raK hN sot os- rnpsacibifh'
pa rabia0 maY-- trsacestlons-sad You wb1 rarwia respwriblo for
use yotx saaorsrlkaarPaaet prtnasslWa
F;~ !m a traln•c
T~°~~°p your card to pay lornwtlc-1'•s^•~'r•'-
Ya- csush advaraa chocks a blsruro u ~astdr~ a mocks
' ~ saww~L VYo else ester to tlrsem is tbk slretrn~ ~s toy°°r seatwa4
Yoe prey ooe a shock dpsylor !sods or serrrins, m Ubr~r ~ vsutu~ba D~ flea
gta you awY trot ass ~•~ ~d ~
or to atlstr ueas t ~ ~~ ydyt vs or soy
thisseeoett(r•ro ~oatindlndra>•Ysi!°tMehoatCdrsdvaaaduak•
vrhaw rraw it tt.r slredrs s» rr,tud es bslrrxt
z~1 IoW ss cosh ~d bslsaa t ~ ~ ~ ~ u Wu Ws aaq'trrs!
rs aoad its ddt spto°rwsf eMaks NoNS~ ~s~•
tae ~s~wi nR ewvrrrkrtre- al»e!a -•behma trw~ u sro sui~satte rtes farms
~~ eA ~~a elncks and drotvro brdiestsd YOtl d wehad+asw Weer
foreasdr adrtnoes,•atbs rneud ae sash adraads and asresso
andhn vsastubalsaaocNeaothsrrcaomdsotioauwirhotlur
• eatesca TiuKl°~a ° fo tk's raaowd, or stMr balsan rrsnsisrswr rtlow
craril cuitasusrs vdtb or or say
8utyon a *! ~ Irtrsdor bdana~~ of as rs9uaud b'h~s barrs(u ~~ •ev~s~bt.
of ore tsfeMd .x s u r pmtial baht-w ~•siK °P Y
ovsiabls trsdK ben. vn mq PfOas
„ c~ Add Yw •r•Y use Y'•u- seed W !at cash Iran aWemslk trsai~~ psrolia
from Iinsechf k racsprbr! the card; or to aWhr travak M k shdabaarY
erunac-~'l'orders,wketnnstasorskaber ~ va,acdoas You
ahtlwrseatroekvw9 baI•eRandldllthepfYo'"'r
~~~JaNIOr lnrall~'r ~ ptrn.rrrmya°r
Adrerro•~ byoe haw to sblbtls cMckiai aeewaMwab ono d our roisttd
6a~. ~• mq irdr tldc rerrorait is-Poor eheekiu! ecaorrM wide oar rolsW bent to
corer ar evaerak or Ibtt cfieckbp aeaoer4 errdor t!ro terms of tldk ~lroomaat and
~ clKCiria! eeeesat alnoarent sccowrL vro dhAdrdmr isle perbdc ceied'bilGn!
Bitbai hdm (s sedtrto t~it~ ems maalr ialaslth for web ales ~r hr
~~ yy~~~~~aew~re p~ a that ands la ~ m•n(R ~ scesuM
~n 'tr wale cslradsr rnoatb whrtbor or nor thorn Is s bKInO statsmrnt
lordret •Ffa' aiow cmnsotro to use yore eeeorrar, thtt ptusoa wID bt sa
tbe~ p Ya ddnit ea» be{~ tik~9 tnyo-• to bosoms sa
au ~ aaac Yoe skosbl ~ ~~ U use Ga accoaat ac you no
°~°~ qM b aloe ffia use of l~ aacomd nad tack card irsrrad ~~ la
soammt saeer~ri b as terms d ride syraspnsnL T1tlt kraMrda your nsPp°•Ib'
~~ ~ ebb crrywr seeourd m.dr bf an suthelhad raw. m II r~u
Yw my rggsast rn addldaatl end la ow bf es surbsrhad us.r a Y•w acaon
do so. urfa sac ras aa7 sPMra' car tM seen npoR d Ywt audwrlr ~ ~ ~onnt b
Yw must siaN~f !• tr rorminsle an artlhorard arse's petsdsaiss
~,ou ywvn arsyehsrtln ::aunt snd-orirtw s nrrv wed or eardsvsith s dlifarent
^cesrartrwmb•c You stioeM ebo recover nad destroy eery cards, chocks w say other
assess d aot:rts fo V••r t°tOYM boar drat tWboritsd east Ws sraY tko tel:r to the
Fop ~yar arslitlku spput on ~ ~i~ mj ekII pW show tbst
credit Ilea et s ued! lrsit M :parka!
o~y e ~ etoAtiin ms M toed ter wrh rdvasats lash rdoio~ ec»dR inn,
c sdveuoe ~ ds-~ alabq dro assts ad ~a~P~ sro IyU for
and d albs trNws fro c arpod sgaiast Y~ teas and fmann Nos. and
ka~4 ~tk d Ys•r oecaaa batenee, ineMrd'm! nay
Fs:a =
ms(d-0 pns It raashc blow yoor oats! bos II yyoou~r servant brWler is oror y°m podk
Gin ter arty rs ewe, wa wY ~sN° Yw w overbore lee ss dsasriMrd ~thk~atN~ swat
Wr may, bat s» not »rpdrsd ro, onthorlte cgstlss drat ~ Y~u~S vw -sk you ro
pad aey omaunt over !root cradle isb and yw must PtY
Thbolro+rMM•0~••Umgfb~°aoowryoaratNAt ~o°~l6ra.orttreuobsdwra:o
Ateurdecrsraa.we ~rtnerrua, rsdeco, a uaeelywr srkad rrs not U do w, v+a
poAire sl your cre/tcins~, tn1M a My~~ m then cn~Ms vvi oot aHrct yoot obilsiroa
wi polbrcreaso Your
» osa: bdurrsdosai vtrasctlonr brdudo trey ys1rwetlerr tMt you
brtataslioadl4 ~~ ~,orrhtry°umsfwouKido~IMsUrrNdSfdt~s°1Jlmorko W o
araksln t fenila artkr r trstraetlnr fn • Isr•b- c~•°~
if it it Ards h U S doisn ! Yw a 1'M escheats rsu weh
ggsnrellocel m kdrslsrCsrtl htlsrsstlsarl, laa.. +vl! ewrvsrt Ibe Ysneesdea irtrr
dolsrs4l'd~'1~•~IGreeorrfior ~c ~ ~R-~,~ ~ rs~! of tales
tn~ ores to rmtrvsA arr~aY ororksta for the spMieablr Pto~sssbN ~• ~(cb
r u~mry vsryry ,Ir,°_rr*lhs~oU the raWs~-r;~-~ 7Mtalslasgoct
--_._.r. ^.~re®.u reef In dial w the !b~ _._ _. ~, ~nv°u oudiMrrrtttd
or wu soon w aaaaw ~••• •-~
is allot wss, drt ]'~ vs/ ba c atetl oa tlro U.,I
eN1n ltro same process trrtl chrryn mry sPPfY
p.,nw..----•
tranrre~sn is rrtlsrs~apoaGWa mty; bur sro not required ta, Ucbae s uanracdoa
saco~lsr ury of the IoMwrlai nasonG
• bacansa si pPrratiend coosidartBaar~
b•esllsr y01~ aowrmr is in dslardr,
. i wr suspect trsudrlanl ar uniawhrl aedvity or,
• ia:•^ 3r:ttlian.!o: sryolMrrorsr•n. ueormih daeisrd tar
Wa ue trot »sPoadNs im ony beers i s tronsyc hlioaiw~ sv crodil evrdrlh.
any nssaa, oithu by us or s tbbd psny. :van i you
~ ~~ ~s~, sw m.y regales that you rsliruar year scaouat with oa
outhorNrsdtro •1•r•m Urst tw seMct Wa wit nodty ya+ i vw wont yon ro nlicta i yet
dotalhpiA~w•ro•YdodmoyeurratYrorrsmsseilmr stlorluadrWbarrw+reuiva
bdnsl b Poy ~•~~~ thole Yo• vxleo is yaer rMU°
s elrck for P•I~AL vw snY ~~ Y~ reoormt to dacido whsthor to atshodts Ibat
c(bf•~i ~ ~ oksd ro. rry'sat and rs~tum unpaid s rhoak f or ^nY nova
s is rM payee on rhs rhoak.
. YVo K asN oloer nielad compoal• of cradkbno has Msa mcwodai, orvroold
• Y°srusdk~ ~ the eha~ck~~oa ym+r - .
• b~ ~ did p r poq-0uod ehodc is DeN. rarullinY is rnothor cM:t bh+p
raBVaad of art paid, rvs sro not rtsposslblt•
- ya, bve arced the eh.ck.her rh. d:te tpaal6td oa n
• Yoe t» b tlttasb or wortld bo i YVt P•fd Ihr shook. cud, checR tccmmt mn-ber
Last st Sldse Gsrds, Cbsdo roracosal b~°~o~~ °r Y0° urMk somroaa seed w
or other means a sent: your We ~ ~Y rt st orrcs by wtlrN the
maY tee and m bi~a! •°t
CudmsarbW >~'~• nbphsa sl+ovrrr ae Y'•~ lb trot
utt your aoeomtl sMr Y°Y s-t1Y °f' evarr i Y•~ oard, cheek aeeauM rauabw of othat
croons to acts:: Y•~ •CC0°A1~ bnerd of rstunnd. Ws may tarttLrne m ausporrd Y•u
ersdtt privbalu rvvbw Y•u north °• d nay hrs. than w nrreudrorked use rsMt:d to your
recormt
Ycw troy Ire ik~ d ~° it x,rorar„u{red mar of ;~YS teeK~ Pear x!'ks, Y-•-r n:=. -
~ braeif4 beet yru wiA not ba Gsbla lot sans Ihsa SlO.lD of fonts trw ~ ~ dtoli~oror
wit Art to islets tar aey ~ a mart k4eruNy ~ r us ttnnn~iulh~td ehagK bore whiab
sglgdtst-Ilowov ,lro
ypy r~eived eo benebL m wddai to hole car find out w?rttbsppaaad.
VW mby h4~ Ypy1i Pf D4~° °~ irdamstiar ~ wwGGhh
yyr proy dso regents Y•• a wmPh' with eertaM prowdunt in conntctioa oar
inresiiefi~
ppiseuatkns: Yow biGn! statsmorn end seeomporgm! savebpr isctuda
butroeilaa: yet must !viva br mak(ni PaymoMs nad sots (ortb ihs dsu ^ad rimo by
wldall the must rocaia the peyuroal
Yoe apes to cat smormrts Yon owe ~ ~ S dolor: drevm an loads on dsposk in s U S,
~ ~ er Ure p S. bench d t Imailn Gaead d or brewed byyoor b"Md
a _or~roraotoma~dsbRthstwdNba out tots) svobabN srsdi map na bt
In~f~ t'^ w'~ not saesPt sorb psymnds
rsrU~•d for up m t5 days sitar wt ncaiw 4~ P•M~af• and W us LK Mcs 1hw tl•s iW
Ant' P•Y°~ chock or odor !a••e d a„ -~.Mpt yvldeb yw s
Featl~~ismuksd;rtrdM_ irjopt~trtsl~i-arstbasstdtoussllM~
~^ psyms~,ddrpur'~"fiend on Y~ M •tronmsert Wt nrarvr sb ew riphr:
rysrdit+! sech psi'mats Far tx.orph, it k k dstsatderatl torn 4 ao vsbd dispaa w 1
asy ~hpsYa,oetrsneeivsd n say ertMr add»rs vve mty aecept rho peyrmar end yen
wIl aril owe eery raaraitdal bslsnca Ws may muse to accept arty su ~t ~ mrk
raburdn! d r You. rat csrhbr! k nr by io+voYia! k Ai other P•Ym•au
s~ M ant b sbr regstar paYarsat sddrerc shown on yoru morghly st:taarsrra
YVs rarerve Ure ri/ld a sloctronksly caMct yorw abQiblr paymsst r~ks• at Ga
pnsenimsrrtond ssYrrpr Mo~ae~ ~~ ~o~~e or os two oA atba skmoarrl r
pw roealpd al Ysw P•Ym•
EXHIBIT
04 N rNdad, by a doh itswM H~ tM beak iccwnl
Urs cbrckaeoNremd dsea'aa~Y ~ ~Yout ticoio awY
i P~ ~ ebsek. reMirl ~ setmintrrtaabrR w Yw- a Tho odObrd Paprnnt
bodebRrdn+srMr,lMAnrdoY~iicsiveyarrp7r!a wrricmds
ehaek wid M OMWMYid sod n inapt wW b rrrebd ~ das, a drown
Miuirara PnYwt+na'R1° e9-ar u pry rt bast tki minbatra NYC ~ g dw
oa your bRRnO dstsaai A tMt rro nadvi k by d1i dia and ~s PgiNimarM Yro
seer. dna tkr s4etrrrrn NYC ~ and ariY PrY cinrpes, IM
Yov°UV. u~K taRY ~ R Yw how s trdrrros qut h atkiaet to IiNOw
siaaer you peyas,tMs buYrs~ MY b Wunss chrrprsbrcausr Rpa1Ci chu0is
scene on Your irrMrcr hall diy biMttp and Yoa ~ipO bdnro lun
Your faRRaO satatrtad rdtswr b'pMdNpihr Niw tt.lona is tto er bc:. yaw
'New esiMaad ~ t'wr b>Msi
~ tkn vest M do Nsrv 8dinw. i% d ih°I~w .
the toRo~~~ ~ ~~ irid ~ blid lea red ewrarait lass As
P~ ~ PMY~ dro,wo ilia add soy rmour- Prd ~ and stq amount
turaditl(pa
ePrw~ Attseathie Yee spry d-st wo m rtNkritind a brl0uiaf y°°-nuP°~°°Yo~
and ersdbs k- s that it road lrversbb m or e~nvtalin- APRs leach
suthorho w b Ywr PrYrreib and credlls a bdptcu vrkh lava
as proawtiotad~ k~ bdrrrcrc wkh htOhor APRs . a any that Ws anY
CridN aetrrsrc Yoe my/ nOwat r -slard of s aritRl ot-,itane ehrrpi: or Iron tdasd
nducrgn srwralo!-uyenrilbdsnc.bythe,arowrt
Ao on ffa ChsrOra Yoo asy rrrtlrorhr r tldnl prQ' to srao ~ ~ chaa~~~s
sccotad im rerantansa ~i~nsM/y~ aaryryraasam 6nebdbrp
andiearratnrKaadr~s,a,na it swPonted tar MnY ns:aa er Yaw rcoosnt
bscwn Y~ eacorat for nola~n0 ~ bRMt anQ PrYb!1 ibis cbMOn
rwarbat ilr,Mlayrr. rts~Hrs• rNetI~t, bul sn notrsaM•'rd to wt• kc'"
yarr~~~~rn°'kr'r cMrOos lhet Yw ouytir, kad to bi baled u year od icawrrt
rrVmbiL eld terms lot sr seaoirM N w.
Prottradotte frog tbiu to don sri may disr spa veil lee b rfirct
do, rva tall t>sy~ryio sboel dti taros d 1kr oMir rod tow bap
Yolbc prbiset a tM tints d this rprarn.rw es modtaod by tM
rMO Aaearl Pra r ibtsc Ywr rapid prraoWrpr tnu
~ ~ ~ draYf~ eves ar Read oe do Rnos tad fyu
d tkis doerrrnet or erovidrd srprrasly 7o Ott tM ddly
Tsbb drat h n tau sad iias rRoet rlwrYs rou.d oP at th. Rhh
pedorac etas tiro tMsidi yes APR by ~.
pbeitodmrlThtdrhidiaied/d^t sewootmsywrYwkhehawrc
VsrirbN Ratnellator anryyaostAPRstinM1 rp +~ ~ ~K w~ mat ro tM Pdan
to tln Ptiine Rrai ~ APR by wdnO r arirlb a tho Prima lids prbpcbr/ is iTa
Aia,rrecsbpMa doysintaratlnCMsiaODa-e'showaoa wirNiia0
N4rastrsatdwrltahsn ~ tM btQtrid ID.S i Prkir Rau prrbpsMed b~e Hlanq'
R °~ secMda~°a ~8trau.lournit N The W.aSriet.karaitdops
eha !'rieu RN4Mwisrdsats dadlrr ntora+n nu and bdormyov on your blRr-O
rdrrtsaend a thtoelh . MMPefea lutke rti do APR A
A'aetpin' h tke ~rw~e wi add to 1hs Prima Aiu u t.dcd
~l is not s workeMd or bMM hradiy. Tlu Rsbc rod
feu ~ ~,~, p.~C sn.vsrisbb ores k r1w acts t!n aarpin for
soak vrrhbts na rna esY rrYdntau drly Parma Ms and crannrprarpa0 APR
s tiN poairO Dw iMavrr oa Yaur ~/ ~a0'rnt ~ rn
qu ~We dra- idd yn NPRcrbh aarpw a dirt Pdmi Rrn le pet
tin APR. Tbr diiNy Psi' na h crkulMbd a disanerr thaw
t! our ededidia niMka to s olnnpo a i deDY Mrbd'ie na tromthe prirbus bdarrp
d, 1M Mrv nn vil rpp1Y rs of du fad
~~ ~ ~ Prtrar lair Mr ohrtrN pr wldeh vr, yards the
day cyels yet arcs kn the catsMa aattb
coleulrllarRtMdsfyP,rb~-~inan,srr.Yn ~ap,~~rldpinrPrriode
best a Pr1r i hiOhsr pdnbrr ni.
tineaas altuts nd nsY tea vi N era b Nletdt under dth iprestnrnt
DetsuR Ratio Your id•M taw Y rY Y~
Witt Yw Arw whh us or soy of out rdrtsa compinirs for cry of
• Wi do tot readvi, tar eq NY~n iMt b surd ~ d~sby M sty ,Wed dmr
aceotsat or lire salb us. n Irosl for arbdmun P~
due. r~ik ~ oft thh restart
• Yve oxaera Yw- u rc dot b pOd Mnond by Your beak •
• Yaumobs f~bl'~~~rtarYtimsabrrYonrrerourursebsrd.wodsanad
• Ta fns ausrd~ywaa~ d ~ tyadmdhl Mbncs sad wi do not ncdrr prymont
vr~1 Yt L`~°n tlat.n oMaay bra the APRr Rr~rrdia0 rrM daarrt~d
li ~a- oltkue ssaaM ace ov°f°iranR odvi+roal uP b r ~dArra d yn ddaek
APRI oaMlN~~~ ~~ Wy tt~ the b~0 hctors to
rut stetsd 1R M Rees rccmart hu b.rP oo~~aeR ~
datsrrdno yoMr deiark rda M ia-pdr °t e~iRs ~ ieeoerM: oatrrbtdicrtbnc
ssrirOppaaaddlrbrOdtMdrl rsdiarnleliotrrfdp:
o•~yo.r rswwt ores sad latr~neeardoaaotiarMbout Yar
vrkh us a eery d out rehad esarPmisr.ad iabrraatbn ws olrakt freer cwntrmar
endit tapirs dArisod ham wadR boneus Tbo ddrdt tau veal ltki ~ oiat:h~se
the fret drY of the bMnp cYek rn'vhich rhr ddnh ascots. bed mti rppip P
~iW~ar
~Au=t'LOJ
bsbaws him tks lrrosious bilaa6 ~ for which Paro~ Onares thirpir have
not Mn drndy trilyd APR rvro theaib dears It s deloMk er R ws do not
R wr doabir not a hxrirsdinyeurt drlarR rib wNa b. du Rrbc lid Fen
bcriiu yoer AM rrP a Mtersiro t~ APR M qtr soul d any tutus datsv4
TMWi, vn mass our riOM ndtrtid ddMOO rna a rrbrdito
VW ary M our diierabu drlendrn m ebsr/o
straderd ribs iw a or ssbelid brbaeu~ Y ~w ~r ~rq~ S~rdiep
Rriaa pra0o Cdrdrtbn-TWod7pcM obi
Nawthu~rsn4~~wroondAraNi aN~w~~~~npNsw
Geis: Wa sdodiM pwi,dM fmutw cMrprs
Ttrurcdoasf br odar Taroea d irarordbrts
sHotr~Y br each bdarree MaseNtal wkk s dRkarnt s~sOaY aMk idieRaii,
Do~rerayb.rbeMeertritaterc.bilstrcrlreoeRrrdrea~ ukrelydora
wrA rdwaoa etnaks. ovtrrian ~ ~ ssms° h P~+tadle nbs TNe is trove R
~astnbire dRfrrsnl wtrprrira
Ylh cdctdrw tia Pafod~ Wuncr cfurrpu tot Putcb ~! MAY bahn°Pci hr th~i d~dlY
• Fksf, for nob dey d Ihi bllrrp ol'aM. wa anldpiY
. S f ndr Orep of for pnwo0o syati wa mMdPM ~ ~Y britncs
for f aade la tMt bfirrp a~ :~ ddi/~ak
pp~~atla i~N d dr. N Rdineo
rw de Mal do las wcwtd sbp N vrr ~ deb and Wai tlrerabdmarn pryatint veil
oa yaw Prwiaa IrObM naoreaM by
do or N r psdode Reran shsrpo vets ikady b9ird as 1bM bdoncs
Wr edcdsb tbs perfedb Rrterreo abatprs for prrelussc sub).a a s proarodorol
refs tki earn vrsry. btR ry~resdares triritaa, biNrrw tnasfor
INe nh:ONn P _ ~.~...r..~dwrrirahsdnAreos.byarddpfybrp
tbi Owl ~~'a' ••"" •• •."- Mvi ovadrik sdveaeu arpq Hasa rows
gttaseetilarfu.uehdey YoitaoY
this trcaoMtte a dnckgqhr! roceeat radr one d ow round bardu:• odcdru der
a ~ cock MdwMe~ bibaer trends, ~t ~ajanti Nr~sano r+sY.
i checks sob j
braver tru du trds
To Od1Grs diRybdisws br ueh dey for roeh ertaport:
• Wi fdte t!u frsObrtarr/ bdnrea la slut dMyt
• Nh dd a dad bilittcs May rove trs ~ ~ r roar ~°sr~Aalr sdvaru.
dutapply a tMt gfiOerY do drRy brMna ra d Ike
~inndern owrdnfl sdraner, N opPRerl~ to
trrwedoa dtar, or slat dMli d set thoieo Mh ~ a rtew cask Nseaes clock
or brdiacr tnraM ctrsdt a /M ~ bow dsbY sr psyes~°a ~ktu dns~ tear
dueh a behave tntkta clack is dap
a°b°d#tlrct troy dot brhaca say peytrnaa. usdits, w crsdh id~ustnnats ih.t
wpp~o0ry e~ pNt rn cr.dilyd it al Wst diy
. Wr ueN i etidt brtilKi is M balance of rnr
To yyd q-s N0~1 ~htaai ~ eMOb aetsO R for tha road dry, we rdd dts dilly
psdodh Aurw cherpi bN ~~' Mrib for RUu ~" omMiyda ry pult~d as dw
corAd sulk to i wtaR?~, _ bdoaco, art wRi usi tlns~prdr~ rwbatkstw nppRis
ranret o! srr~ ab.~aii"' Manual al Ws lad d tbi bill Ali ti soktddsdi Iha
brthr s ddN rnmsat proadis for decry
`~ d ~s ides each diy This p
To do titd PMdo'tde (bpeci clnrOi for der blRrrl EYtb~ we MMrt btybrp eYab~.
~ r tdnrOos (a Nah r:aapory let Ndt thY dMrbrp
ibteeci akarOis oa Ptrckiser. # May r tortM prsvfous
sawi ii lay parbdk Rnarwt droll h dw. vvi wNi shatOi you et
lied the doMruar_ pirMrM Raismi chaps dial b tM ipd•s ird Fiot TtbH .R k
kMaissalrloi srertAdatdirnwnnTlyd-ZaradlrMRwchrrpi,wo
idd drat srroerrt 1o the behscr (rr purcbsass aria. dtatbq 1ka>'Y~
Thr totrl fhittas ahtrdM oe Y~- rtoouM for ^ irRRMR Cydi sr~ br dte after of rho
periods Raeaas altartpa PNu say ttrrnncdor lie Antares akrr0ec• vrar»cdorsl
FarsaduaalotY'~ td~aO ~ ~ brbn~acs tta Brit Maouet by
for dli b1Nby ~ Y1Nh R a porbNe f6ritws ~ purchecis
soda dad9lr Ott l 1~ ~ ' ~ witttOe tbRy stsnae for dross
heea bt ~rdurd dt~ same wey Yio tsp~~ly tke ttseraOr dMAt' ~~ br
1YgtdyOtpot~sdaRYpirielRarili,ardor dnraMkbY~aarrbar
d dayM Nt tks bMai cyaN. qrs std saR scrod ~r~deyora dw to sroandh-Ot
bdraci aarAeabls m dot 1Rdn0 eyah. rrarrit
idpaarnid[iaioaiCbs~rtMbnarw RNawChirQea
oa twruicds0.t•s,orbrrawsakitysfrowdudialtis dtoyawdaRybdsawa
unlOpsymaMbildllt niiisid oeyotaeeawat Nessetrrt:srsdo astcbeipr psaodb
Thrace dnqu ea n.wpacbues trMhd a b~N ~ A aro rseeWo ptrymsm
w yet,: Barr BOlarw by tin dab and d•ro rwa tninirraittt b~tfAeornert by the
nedsia peyeten ~ Yet+r Kew BiMiaCa u Ywr
dw udlhru Yri- P>M~pp~y ~. ~ no w'~ i ippNet on
~~°°°esaa ~ne~i eliicb er ~aa~n a°~ihnnaa it~rppik~irlai shock:. ass
TnMSHNaa hw !or Cub Adnaaoa Ws arY cMrps Ysr ^ eeah idveacs Its in
do eAnrartdalydbt the Reds sod Foes T~1de for sieh aldri (oAorrbrl unwetions:
• csdrtsiwecsahoek;
• cash rdriscra
In rddidoer, I You use a Ifdrd NM sertke m mrkr + paY^~ e^ Your balulf and the
csrvta charprs dur paynaM to ddc account wt rrroY charpt a trtnsacdor ba la for
Pj~s~~p~smealia-InraeRaareeebrrpes WorddtM: ~~ n ,~etiron to
cr-~pary is d tke rnataetba dra of dre esth adrane
for a udr drtnae watdd bt rddad to Y~ wsh rdvarece bbaes
TnssteNos ha ~ Odwror Trrasltes: t1Ms tuy chug yu a bstenee trtnrler Ms in
iht ataDati acted shtcicc, ~ and Fnc Trbb for osch el iM IotorJinp tnancttonr.
. balarc.trratftc
• btbsct Hsd~s. W. add thr fee is the bttrnca hx the raWod
Thtettrar~etlopltrrsrrRsrrasaM~ atrrnslexFotttep~M.ttnasscdon
csttpery u of iM var+secdoa dur d drt ~~ brbrrcr usncbr ba r
tee fart trratbt world Ye addd to yow
O'r'[IEt t~iA110ES of Man ba rte 6sttd fi tM Ratot sod
Wt any ohtrtd Ne IeMocybr0 bec Thr amoonts
Fsac Trbh Thrctt Irts wlt ba rddtd to dre belence iorprrcMcet made dabrp iht b16tp
cyelt~ l~Nr M your account hat ra rrNrwl meabershiP ha, kwtl bt bltrd
Aaptnl rM aa~ ~P ~ to tad M tM R~ nrd ha: TabMb ~iMr of
tack 1ro° rt q k vents btbd Tba amwi mrrabonhip
not you can Y~ rse ~ ' ar that ~ v+bh to cba trout ueouM r~ a is
tar isnen~tbirtdNM bI~MT rya ~ which tin aarwtl raettbrrthiP
drys d Nre dsu act prrt your artcisadiaq btkace fi Wt Yotr h yrur
i ~~inne~ K W gnatimr, t~ PtY P~ b cbq yaw aecewd ar
~w~~~M~ tam n ip~rccouM k clo:td bYYoo or cat, wt
ripla b taeb Ix rmltyoe PsYl~outrlardbY~nee
vvit t:otarnat to dratpr drr tsstul
in lup tad Ittralsslt Y°u- ~aeud rant
tart Iron 0 vw do ever reufw st bast dw regrdrrd aiahuuer ptymaat by dra drb end
flora X k due a: atwestasY~ bitr^t aptpnnt for any billprr ry, reb, rNe auq ehtrprr the
Iota he rirtrvn to drs Rata end t~ Tilit R dre bte h-e band on • bdaerek ~
ctk.Mtu tfw ~ be xM01Ar Prevforc Brksnn ood-t curnm mondr': attrataal that
shover tht lrts foe ?his briraca k tM trrrr a rhr Now BMana sMwn oa dre pdor
rnoatb": sauaad for which we did not rrceivr at fora thr rtqukrd eabimwn prymant
by the dab rod tins : ~~ k sear Y~ ~~ tart a! arty tbae dabr0 a bYMnp
pvarOrrrM Fat: N ~ u o fro Wt may ebtt9r tilt bs
cydt, testa B Dorf' hu a dai4 to may chtrtt tl r Upaaca draror ar tuvot kapoced
svtail your btppct'b ovutlrr ~ ~ rpr rant tlrts fns owr6mh la br my
bi~ni ~ ~ °~~ an ovtt~ Ira M tuMt~ bb~)ini ~ is sort Your
nave trrarattiart~ ~~tat 61bM~aycltt
Rtutta Psymtat ~ rgher~ ~~ desek ar riartrr Irrarsmant k not hosored, {b}
debit or aMcuonk pryaat k rgrKard esptid, or Ic}*A matt ratmn
e P ~btawet k it not siprtd or etarrr ba proeasctd. rtra msy eharpa s
R~~ ~ ~F~ N ~) ~ q~ ~yp~ to t uth rdvraeo chtek tx btNta utnsltr
ettrakatyrur r~mlba are nhw u pY a ersh tdrtaer chrek or burner tntcler
ehrck ~ rutT s rarrm cMeb fit ~ pica doh a othtr
FsaC q Yu r.~ • aPY d r b10tr1 suq ra,
A~ n rsro o<prat cards or my splchd strrbat Itor
netrd of Y~ eeeotal m N y0° ~ ieasit), wa rash oMrtt yet let tMst terviets
erwepM, obtakint earN w to of biNkrp atttmeas. sabt drshr or tkatsr
dove ~grrd~,yor Mgwattrr~tri0sl~Twm°YtsatRapabestcattederrPlO~°
~pe,letm~ serehes toed tborr and Dour s~rvieas N+r praxidt, Iht
Itw. Vitt mtY edict whrn wr oMtr tln prvix..
istt Irotr that m da» iA
OtfAtR71~OL1~
yyt msy oyeu#ttite Y dtbult d arty of drrw occur:
• 1Na do net r ~~ tlrr ~a~"" rn10~ dt+e by rho dm and f'mra dur of drown
oayoorbiqu/
. Yeu aaretd your eradk Ibra.
~ I~ to oappiy wbh tla terms of Ihk epnemrnt or aerytsreempa with orn d ow
rs-
rrittrd ooapai tYon ~ eansu us to betwa tMtyoa ma+r of um,~'inp or uao a to
• 1Ns obtobr Anne
. ~ ~aP o«f to otbrn on rims
• Vote teeoeme brcaptcintrd or fi tM tvaM of your d ~t your aeeoem whhout aotiet
II wt eeasidrr ytrrr aeeetul to br is dNtub, tvr ruY
ardngtTn l'wit p~ysu-w~id btftnat irrtntditlelytWr ~ btiNit~wtr~en v~rr di rn
hAnea tt tint rtM d ltrt ptratwt SZ'N~) a ~ M tirt trope
Your rat-tnt a bt tbt a moo bMM °K1it ~ dur.
Ta art rtttrrd 1 1Y hew, R Yot rn k ddauk batsoer yov haw bttd to pry cat,
you veil pry oN erdeetNa r~ rCanryt. tear earrteosts. rod sq other rxpanns of
snbrebrp oar tipba dadtr ~ tprrmanl
GLOffiMt TftWl ACt.tk1NT call us to elost yow aeearat. an may
Yor may clots Wweondrm yae n e~ in wrhinp
raquin dirt Y°0 or t car coif privttpts a trry tbrn for
Wlr may doq yatr esutsd et soy thm ucpard is a atie Inv. tt are a st your
arty ntcaa wldroul P~ nodu txctW r: requktd by PIS
eeeotmt.lw vent tart kN~kle~ Yogi ~ermsagaotrcrt nsuMkg bom clodnp Ym+r
seooaat or susPxrdhl yorr ill t
It yotr rt wt amt Yost oacrw0. Y°Y cad strr sudrorkod utrrt mrc- irnmad<erdlt crop
uWN yw- tewnn<tpd dr~ytt~lfot ~ eo xaWMirr~t i~ns~k {a ohiry s m yur
of torso them to us open n4
auorsrt. sots iI Itrsy an made a prdpased rturrodrteeamtic closed sad you
fiJAi2e:
babas w your sccouot tcoaiat to dr'oams~
M rsquked to pay tM otdarodtap_
thk p inmtdieuh of N ary ~ tp~ir yoru~iec~ount k~elesid Poy
AlttaTRATI~d .e..r .,ecarr rv >t P~Eli TNAT ANT OISAUTE MAY
tbs Aat rawsres prgp~ .a. ilrtcla:, tnyityatr. rpratr and tspra°rdttiwtf
drbtcotrclrrs,aarldsldctiroMeart, nseo-drtendtatNanyddmyosassert
iti rod adyY,sreb a ddrd prrtyic arpudbyya
a~ ~ wtthost iha othrt's torattd, thct mrndrtory,
1 ~Ef~ r 1 `rte nr ctrnuwrraY sN{nr der or ra .ptirrtt iM
odm4 ~ ^O~1f1 ~ sub:idirrNr. . btntsaiwits, rpents or
~~MK~~'rdrdaa Yrtagvwy m tbt Cardmowrlor AY-ata~
ctrdAsc~+t ar the advrritint• ~~,
or ~. Tfdt ArWrtiea Atrruatsi tmnsordiattrse, tort,
~~ cos tus!'M!s` or ~ ~°a~ al~ as rrspoadnt
.,..~ -...~,.drYNMrsoehdtiessnkttrtm!dits
n. """-' ---'-----• -- --- ddtbArlitrrtwn
prbrtreprdWl~ apl~~prlet Ceda>•mba
~> thst trove b iM prsR a sties
rn. As o:.d fa fiat ArbAraiatr Apnrmad. drr farm 1'.pim rt to
NdbM swtdrU•
6esirreltdrt~tku 1Mtaome~~dssettri~~s ewntttdtbne, etost eMimt,
o<ttlm w A Cbimt rdvaattd fi t~hroirvvsoM by
Ion vcidr nspeet
~-~m~t. nuts tM ritbtn iw a mud
At car ertoepttal>o flit Arbitrrlion ApeaatnC Yu on rn bedbideal
cb~ wwrrpyprktdrttbtwltlas~eotrYslrrledk ~M d ss mArdkidwl
bmir. iis-NgrrNstsattbirw a dalor,tM M6Mrrffisa
tctiat.lirNkct yoga rri~ap tar eprro w toy arYNrsffitn oat .hss w rapt ez.^ttdra b+r:~s,
tpdAroirbMrMottrbtlhwtAam >~Ic.Thisp+trw>tutwtn
iadsatchrrtr ~k~ ~.~sstirtthtlatato~t~rtwu
gtMbthrweaur retstadte dwbatc rrhad m such
ar6MNtoa ahMnY elUreryw or wt so dret.
i~tet ro is wNh tmy s1Mr uiitrbtitu /raetadiN rNdrout the
No atbbrttba wiN br cottsobdotal M M sa btdMidutl stabs undrr
couttd al tN pertNa Tht tnkr i1r~Arrr ~ ~ o ~ s eo• ant,
this Arlitrat>orr liprra~ an f t) rhos bn^1M by cat ~~ Ta pY MPS
jo&d otrdprtrarbtti N ttttlrork~ nau e(yorK Aeeouat. or Mkt m your pustea
badvuptry or tt1 Ihar brotphl by Y~ tad ~ C0' u~ i~ et-droaub~ _
etdrorkrd trcer o<Y'~ Aco°e^l. °f ytur brio or your Vrttee btakttptcy N
iridrUae of Arb}letttoa Tht zany R9rrD t dtMt is trbMctffioa mOa ehovte oaa of tM
lolotrirrt ~ tests ~ Asrtdcde Arbivatkea Aruaitdtnq or Nrdond
A yrtsr.Thq adadaiardort sn into~~ddttst ban rc TM admbdcvstor door
not caedect qtr srbRrtdolr A-klMtUmt >< twaducttd trreder tbs trite of tht rabctsd
abilndta ~ by is i ihkd irrh ckortrtbr tneadanu whir der ruler
of ire stMctrd arbirttiea a~ tad as mq H proridtl b Ihk Arbbrrtion
~ Arty atbirtOrs broker rbrt yes atsd shsN bt kaY a r abet ebataa by
iht o~ or arbAnboa ~ - tMt falsnl dtan:t M wakh you
nddtddathwprat~babt~mtkt dryad robs el n~td ~ttw ~irhpMnb'on
Ytrr ^ry ebuke copbc
~~ kdorterdoa shad trbNrtdeh and mbhrtHon Inc. and fianxdonc for
laidriiat abltrtdos kY ooattdbrt the trbNntion sdndcrktretors rs topows:
~~ ~ Aneahdr ~~Msd{rprAvtnue, Root f0, New York, NY
I11t7~.1Mtbrittyrerwsdca/• Web ciu:
NsBstd ArbNrr~ ~. R0. ~ 51111, Mfinrepdtc, 6AN 55105,
ennw rrbitroUoa-lortm oars 160"174-211
tRrcedatr trd law o*plleoWs is etbHnt~ i Ii~~in ytau asP~ ours t relit d
gtbm.Thrtrbitntor thirerMrbwyer
G=~3 i
or lotma jrdps 'ihe srbitrolba t~ sur dot err ~r s~Rsct oa thr~dsu tbsirbbrrtion
sad rulat rd We arblfrDtlorttrda ~ rdee m racoadrtsmt rvRb lbk Athbrsuoa
b fpsd unbar tbess P toner w1 prwd TMn procodau rod rules
Agrasm+rd. is which d dit Apo
mry ~ ~ ~w orsKehb ro yea a rc Tier ahiraa wii apply
sorgbfsmi vvNb 16e FM sad eppeosbb stslas: o
~~ baoa 6lsbae d Peres r~a~ rl ~ ub rssssaseebb
nrd q nProrttrMOd ~ cetrard Tq srbWeto-
peso a hoortag sad odor coaRioadd idorasear,
stops u araawst ~~ M dbwlsoae ouWds tM orbiuseat,
includbrp et. up d ~ orders to p rri Mw dN pwwr w sward to r
K ngttss+rd u do so by yes er us. TM • ~ rMa sPPicabN ~~ t~ rrii not
p lratsgtr u Odra raid P~ rwtt wtto k
heir P~ u sward reidit~ss web n~~ tbt pirbitrstot may
aM a rh is 1ksM~Y~ a~ bas ~ trbtiraa wii meks rward br
rwDrd raudtivoid rrot pto~s r sutauo~ a nuoac unNss nquastsd~r s P,nt
Uy~ i'bntnqurd by Yq a w, tq srbitrrta vdN Provide • brie) supmeM of the
nesoas br des arwrd• for tq bdlislirbhrrtloo fiini (N ptdd bY~ uP w du
Cas3s.Nhwi1 u Yes Addtbrrdl4 K tbm s Marbg,
arrwttat d trt~0 rrpa ramiM d P~ d ! ~ for tq first two
wo wir poy say 1oa of brbknur and arbitneos
Boys of dud buebrF Tq d s+rr sudr hsnrin9 Na by ue wii q made
dtrsadr u ~ s16Rrttgo ~slcr saseud by yes a us tubs of
ArbitrsdM A~nssl+sel A[t Mhrt taurMN q i+~srto bar ~ wii sdvanso or
eriwbdslrsw tad rPPikoMo
drts~>grs~~ aYMt Isoc i dtr srbhna ~ m~sk us s ~ ~
is tsaoa Iq nprklM wM plat dtr etrpuu
tbsrr is pod awe tw dsby a Eod Pate
(ice oo~d cons of tlat Po<set~ss pbrr~~~ tea a ~ s 1!~ss~°r
s~oww' b~srccoid tbol the srbftnur sinll apply ,M' sppinwr Irw N
dototathdnp who .a s party cbwrN ncov+r eey a ee Itrs ud costs Irom srwrhu
prM• ~e is snlorcbW tbb Arbitrotbn
Eafarosatesrb ~ rPiaeoanic~eat~aq'~'vrilaaterottdWto
Aenomsnt al oaY ~ N ~s stYtuNbts rt s Irur tMa a b soeasedoa whb soY
s wDitart of say rN d b, strclr orYuslna ProaoodiaY wQ q ttnsi and
.a6^e rdiers AsY doeisba rrpiwo _ _ . .~_.. a,..eAanem arwahstirn
irbr~i raUlr ~rpe, 1^^qs.^ rev aMrei fr~ a atW rnararsn
wltlrh190daysoflrtvsrtoodlq IbrrlPMl trd •„ ~ soar otbbtodon
of ttrw rnadrd srbirstas dwdg» _j~
~~ s~ybs posit vvRl roeoasMor si uawd sad Ngd s sneMy oiow for
settle ndst drat NP~'tc s Prosssdbq usbl • boK tq~b orwa tai~ws
bssmd oa tM tatu o ,tM aattlahY ~s~rpKO~rsr ant a di pre, costs and rsprra:es
.spDarosbrarry'aPP~.~a r~~M'~ ~ P~ d rditrotorc, spplYbq oiPRcobb
kom rrrotbrr pasty. AaA rr~abbrabswir q adoroteblt a provided by for
teM4 a deuirrdrtss ~ ~ ~, owA fursbrg
FA/l or otlra 71ds ArbNraliat ~w,eat drse ssniw: it uraibrstbn a
dr~irWtsia tra Cu1Mr~a~~ ~ do nbdooshiP botansn
o sd.r rrs Aseouat, twdt u the iswring sl r arrw setotna a(t~uabrr
y° tlrs bsNan la iM Aceouat u saolhol reeooaC bd~sif~-,
or tbo ~sr ~~ _ _ __, ~ ~oea+ii isRiwrtrd by Y'ou or on your b
sa~t~t yes or by o third Psrtt' q any P~
Arbitredso Agnanrnt b tlrrwrd inwR1 or uasolaeosbh.lhs rrmsirdnp pu
sbdl mHadtrloso nardn fie tees
TD TMS ABA
tlYs esordrsals ~ sytstsawat Hsrtytlme. n~gt~sss d whether ~t ~ add
to ywr set:stad. h ~~ ~daa or ~ ~Inr-APRs tool loos,
dolou, M prodpY ptoddorn bdudst liasrrsid~ orcrawa- d Iht rights sad
and sdur trrras such err do sown, seaun4 taste ModiOntiuas, sddhirne,
~q ~ or tyr o~y hwe rdodao to Wt sgra
~ drblNra sro rsi~d'Cbtnt~t' ur s `Cbongo~
Wr tMi rr,f~ryaa d saY gaga i tugnlnd bYrppicebN bw Three Changes auY
bs otyoeers w+itb ~deo oriY, of des q~rsr salad la wr audeo. in susadune. wkh
sppNesW hw thdoao va tau othorrrtsr, eery Chugs wit rpp1Y u the w+ptid
bdrsao sa t+~ seaerat and to ores )rragedsos
1'bo nodes vr>N tloreriq aN ~ Yar awy dw» dylrts For ups a~~ts dais eorks
the ~ p lw do a do ao ursreis s plod dsu N You do ire wont u
may stow Qd yon rosy aotiy~ b ~ r MY to in ~ You do as
aotsspt esrtoilt Chtttlss dosrd (iRk out dresdy rdosedl sad you
oneeptYreCbtptgso,Yoaroo~~~~~lrrt.an uaM drs uP~uMo~rms of err
vriN b sitiplsd u PsY1"~ tko dsu sued is dro ttodto. a R yar
sptsartsal p iuaslostMYwb W
nosy s1 bat ipso ass Y'w- wos~ sRa Ibs Nto M+itd k tltr aoees. yoo rail be
1.+tN.cr!!s sesrpt ai Cbarps ~ ~brr rhr aotisrs wrr M~ su et yes n4 dbwasg of
your sgrowaoat sad oN Cgngo P
wMtha you Mow setae: u yoo- sccoud
CREDIT W10RI1tAT1ON endb history by obltbing intormatba Iron ersdh
V1lo moy pa{o~erAy rtvirwyew
btuossr sad abets
Ws rosyrM~urRrt btformalia- about you sad your sccotml to crrd'it bunsss. includlnp
year isia'o 1o psY us ~ ~ • i yyoonn rrrp»st sddir^u6~isrwad es M the nsmaftol
athrrs, ws mry report scconra initrmsdon in tour
those other propir
11 ysr think w. here nPorltd iaeceorstt inferaWtisn w a crodh 6urow, ytu nsY
vrrite Is us st tq Csrdrats~b~s:S~snricctwrad~atrrsbsr~oPboas maa-st s~0 j brbf
Pbsss inehrds yourtume, s u of Ibs arodit balsa
d Nrr ~oblsar N awRsbis. plssa prouids spY
0° lavesdgoto for awlta sad. R wr bws~ipsiha
~ ~rMalscl srslr srsd'd bones W whkh++n roporlyd
tM idarars sod rri tb cerrsat W npwt It ws ~ rd! dso astRY Ihs
ow bwsip>~ wt wii aiyw 1A wridrtg or by lobplrorro
ersdb ixrrsn that yes dBPw ~ ~0a osisu yes In us kaow thei you no
leaser dbpuls tbs lalawrtiea
kUTItE6/dtAN~ 6F PEKQONA! pdpORMA710M
YWwllssadsasds. stgDaNStrondoiMraoticotuyessldwsddroctzflmnr
b ax RNs. OS i ibfs k s trccota0. tw leer ~au~s w~iq of
ro arY jdnt aretrlaM Naics u oat ul you
yes sad si ai ysu vdi rsarsb ddipsud on the seaaad
U yes cpsrys ~ ~, , a bens, ctNsla a btnG-eu tdeplwao watbtr
or smrR sddras {il utr 1o tw ~ err tM r~ s ~Y~ ~
us it ~ aeeapl auMai adlnsr aerneUo°s lrna uN
st~itomtat. tAls atsis, st erI ~ any eontstt yor about year eeooraa. iaehdbW
tiaRM > Posul Ssrtdss
la app~t sseviet a eAWia-, sl say sditou a lohrphons mrarbst ss vroR es
saycoKdatdophsas ~Y°tl~1N6
1'ELIN'NONE N eels wide
y~ wdi p~YM, surs~rats, msY~sa is sad rscordyasr tolopbuatyou or we
us. Yes agree tMtR ere, std N sPPgsbls. err aysrds, arY ddoo
irdliste droutul4ows s~
Ili
ymrsnthorlnss u dnronasbirdoraretira ebaayw sadyrur sccrtad ewr
badly of ssrrNltNr. ~ wldr odan otdsblr arruaiRy d w>faPsdrs
s~~~~~~y~umuklasysppoorsatlrs eo-ds,uprmdard
by b>": t>1rrP~bnaY t+l+1l wt^:b k ptutided t. you wMe Yes Rrsl reavivo sn
tgrrtatrntadaliwMatnoeeb odarderYosrtMnslu6dsserNnsawbdamsdon
sMrbtg pndkos and tM ibsles~t yt~baew~oad diro~ Yw~h'Y o~mPe~rs~
our sMtbrp d yetr
~~wybia sad tutsidr d trot brnpy of ewipoeise
ttllMblS
ppads Nvr pt drN tw any sot starts idamstton rfrtwt yes rdtb cattpenbs
a olt»r pN evndM d wr t~iY d "bs unless yon sud~afts ila
dkdesrro q i~dts ~letnrr ~ uudrt atelflrr stxrpdoa b thr few lwreh
u tbrrlag iahrnMtNo t• /Ireess year tnrlrrslbars or la rotpotw u s eobparas).
YonMnbyNrNdrswNyoucboasonotrossucb~dlrs opta-drscrRiod
b oa PtMsy PtdlcyG Yes trrr bs chased to Mve d us u shttr passed
iabtsrsl~ rw bees s~ yes ialorarstia- rsisNd u say d err ptodrtcts
a anieN ~ uuY brw trNh any d oar eornpoaios) wish eanpraLs or other
__ ---.Mr.t~^^lerrtsrAivoicaaprdes
tpose^aea..~-' wnratwidiovt
Y-h eat ddsyaaet colorer sty d tart rlpbts tmdathb sgn
bsMp otrr rind u otrlacs h~bmep ahu taau vriM~rrm-,~Mria I~+A lareo~ rgrwannt
m hood u n nsadorsa
A~ u ovrr tW a wy d our rigid: sad
yyP puY w,iga ywr mswL arty rawads.yo a u vvhsrarrs mekr the
e irsiW ~ at u s thbd p,Ay TM Paso
s ~ a ~aY of our rights Uud ws sssipn to thn Posen
BOtiERllfNGIAY! QF7}U5A6i~i~iTANDYDURACCD1R1T5HALL
r~T~i ~elH,~:collou~-:~E;~rs:~ti~~uw;~.~,te
BEtiOYEF~dlD
~~~5. 'filE~lAW QEIJ1FIp1RE, YYiiEAE WE IIND
~ AIiELOCATED,WI4L14PP4YNDFAATYERYYfiEiffYODUVEDRUSE
FOR INFOMARi1DN Sa~dc® ubphoae mmtba tm Y~ errd or biAiap
Piatr sot tM CsrtMos~r ns about year eerouid a this sgnemerd
gttatnsrKiT l'-» part trry+tussiia
YOURO
Karp This tgedcr Fes Futar Usr
Tbir ttoYcs swuyu~{bdormetfon spool yourrigMs tad oa nspoasibiitirs
wrlsr en Fdl Qodi Act
H„py gs la Erst DI Errrrs Or tlusstioas About Ywr BtR
p yon tbbtk yotK bli k ttrtoeg. a R you nerd awn iatarnrtha ttww s trsntst:tisa
snywrblK,ywM trt oosssptrris shoot rt tbsturdaraad+or Ssrvks rddrs:s shows
onyour biiM truttgNrR Write u ss ss soon u poysKds Nh anrst plat Iron you
ar later tbwr Bt days shat vw sad Yes tM Rra bfi oa wirieb the error or probNm
.pp,cr~d w~ :sa tdtPhose rr:. b1K4 Jolrss >k wit not p rs^r vb your ripple
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(s) Yor aarA Mar ho a~ddta~ra!
whtin app aim o14row
(b(The puritaro grass rtarit Mat w~ o~ omt pehNS~morehsrd. or if we msilsdyou the
rdrswrrtinmon~lor tM pro~nY or ssrvko. -
CopyripM t>aP9p6 JPMorpea Chece & Co Ap rights nisrved
C-a~.4ZC .
?spo L n:
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 - REGULAR
CASE NO: 2007-05089 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CHASE BANK USA N A
VS
NAVARRO NORMAN F
KENNETH GOSSERT Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
NAVARRO NORMAN F the
DEFENDANT at 2025:00 HOURS, on the 31st day of August 2007
at 645 WEST 1ST STREET
BOILING SPRINGS, PA 17007
NORMAN NAVARRO
by handing to
a true and attested copy of COMPLAINT & NOTICE together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing 18.00
Service 4.80
Affidavit .00
Surcharge 10.00
00
~"'• Q't`~`o~ 3
Sworn and Subscibed to
before me this day
So Answers:
R. Thomas Kline
09/04/2007
WELTMAN WEINBERG REIS ~
By:
ty/9t'ier
of A.D.
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
NORMAN F NAVARRO
Defendant
No.07-5089-CIVIL TERM
PRAECIPE FOR ENTRY OF
JUDGMENT BY CONSENT
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C Warmbrodt, Esquire
PA I.D. #42524
WELTMEN, WEINBERG & REIS CO., L.P.A.
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#06059585
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[N TELE COURT OF`COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
NORMAN F NAVARRO
Defendant
Civil Action No. 07-5089-CIVIL TERM
PRAECIPE FOR JUDGMENT BY CONSENT
1'O THE PROTHONOTARY:
Kindly enter Judgment against Defendant, NORMAN F NAVARRO, in the amount of $4,724.03 plus costs,
based upon the consent of the parties.
CONSENTED TO:
WELTMAN, WEINBERG & REIS CO., L.P.A., NORMAN F NAVARRO,
By:
Atta
WVb
Defendant
IN THE COURT OF.COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CNIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No. 07-5089-CIVIL TERM
NORMAN F NAVARRO
Defendant
STIPULATION OF THE PARTT.ES FOR PAYMENT
AND FOR THE ENTRY OF JUDGMENT BY CONSENT
TO THE PROTHONOTARY:
Kindly enter Judgment in favor of Plaintiff and against the Defendant, NORMAN F NAVARRO, above-
named, in the amount of $4,724.03 pursuant to the Stipulation of the Parties for Payment and for the Entry of
Judgment by Consent, as follows:
Defendant admits indebtedness to Plaintiff in the amount of $4,724.03 with continuing interest
thereon at a rate of 6% per annum from September 12, 2007, plus attorneys' fees in the amount of $500.00 and costs.
2. To secure the repayment of said indebtedness, Defendant agrees that Judgment by Consent will be
entered in favor of the Plaintiff and against the Defendant, NORMAN F NAVARRO, in the amount of $4,724.03 plus
continuing interest thereon at the rate of 6% per annum from September 12, 2007, plus attorneys' fees in the amount
of $500.00 and costs.
Plaintiff agrees not to Execute on its Judgment so long as Defendant causes to be delivered to Plaintiff
the following payments in full by l 2:00 NOON on the following dates
(a) $100.00 due by September 15, 2007;
(b) no less than $1.00.00 per month due twice a month on the ] S` and 15'x' of each consecutive month
thereafter until the Judgment amount plus accrued interest and costs are paid in full.
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4. All payments are to be made payable to the order of "CHASE BANK USA, N.A."
5. All. payments due under this agreement are to be received at the offices of Weltman, Weinberg &
Reis, Co., L.P.A., 2718 Koppers Building, 436 Seventh Avenue, Pittsburgh, PA 15219.
6. In the event of default, each payment received shall be first attributed to costs, interest and then to
principal.
7. Time is of the essence of this agreement and should the Defendant fail to have in the hands of
Plaintiff or Plaintiff's counsel any payment in full within five (5) calendar days of the stated due date, then Plaintiff
shall be immediately free to issue Execution as well as pursue all other remedies, in law or in equity, to collect the full
balance of the Judgment entered hereunder plus appropriate additional interest and costs.
$. No act or omission of the Plaintiff, nor of anyone alleged to be acting on its behalf, shall constitute a
waiver, estoppel, or any other excuse for non-performance of any duty undertaken by the Defendant in this Stipulation
which. the parties agree is final and complete.
9. Intending to be legally bound, the parties set their hands and seals this~'TOday of_~~~'
20 _V ~ .
WELTMAN, WEINBERG &REIS CO., L.P.A.
By:
James
PA I.D. #4
brodt, Esquire
WELTMEN, EiNBERG &REIS CO., L.P.A.
2718 Ko ~ er Building
436 Sev nt Avenue
Pittsbu PA 15219
(4 434-7955
WR#06059585
Defendant, NORMAN F NAVARRO
r'~ n,a
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1N THE COURT OF C~OMMUN PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No. 07-5089-CIVIL TERM
NORMAN F NAVARRO
Defendant
NORMAN F NAVARRO
645 WEST 1sT STREET
BOILING SPRINGS, PA 17007
NOTICE OF JUDGMENT OR ORDER
TO: ( )Plaintiff
(xx) Defendant
( )Garnishee
You are hereby notified that the following
Order or Judgment was entered against you
On o O
(xx) Assumpsit Judgment in the amount
of $4,724.03 plus costs.
( ) Trespass Judgment in the amount
of $ plus costs.
( ) If not satisfied within sixty (60)
days, your motor vehicle operator's license and/or registration will be
suspended by the Department of Transportation, Bureau of Traffic Safety,
Harrisburg, PA.
(xx) Entry of Judgment of
( ) Court Order
( ) Non-Pros
( ) Confession
( ) Default
( ) Verdict
( ) Arbitration
( ) Award
(XX) By Consent
Prothonotary
By.
PRO ONOTARY (OR DEP Y)