HomeMy WebLinkAbout07-5416i
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff No: d'j- 5e.~IL CiVi ( 7e~
vs.
TERRY W BRUBAKER
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
06122890 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
TERRY W BRUBAKER
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:
TERRY W BRUBAKER
220 RENO ST
NEW CUMBERLAND, PA 17070
3. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number 4266841019323169 .
4. Defendant made use of said credit card and has a current balance
due of $2400.72 .
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 $300.00 .
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 TERRY W BRUBAKER INDIVIDUALLY in the amount of
$2400.72 with continuing finance charges thereon at the rate of 6.000
per annum from August 16, 2007 plus costs.
James
06122890 C J Pit. SJS
This law firm is a debt collector at
our client and any information obtai
436
Pitt
(41~
F
Warmbrodt,42524
WEINBERG & REIS CO., L.P.A.
th Avenue, Suite 2718
h, PA 15219
4-7955
-338-7130
~~'ing to collect this debt for
will be used for that purpose.
.~
Statlfnlllt for 8000WIt numbw: 426664101032 3169
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~p W UBAKER
NEW ND PA 77070.2047
CAFiDMEI,BER SERVICE
PO BOX 1fi163
WILMINGTON DE 108866169
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TDD 1.600-GQ6.6060
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VISA ACCOINIT 81MAMAHY Aeeowt Nua,bar: 4666 441o yu 3tN
P+evbue er,+o. 52,206.32 ToW Cndk LMS 52.100 PAOCOUNT 6HNIMIIEB
• DeWr OE 79660.6208
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P.O. Box 76763
Wlknkipb,,, DE 1988&6763
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abfaty b „ss your a,edll aa,d aoaouM tot Pd'~uu. We osn heip YoU 9M book on heck. Ce6
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boats, yesnry Bret ills sccoata•to your
er+rdr+b ae Vat dautaro scconm under tM tams of this apnawrat m
tesand alrrtmant ds aped'b'~arF
BtlBag hdC tie erdrrlawsaelpr Your rccoud. car dkida rime irM port
cyrdrd'.6cb bhp ~k epptoxlntnely ors taeatJt iniutgtb Pot a ncsuni ndBr haw i
yonr acooetd rvu ta+s t bdlaqq eych trot ids h+ tfat rooMh. Yma staument
pyde epdbtg is web erebrdsr atoalh wMnhrr M not than lr s hilug
AlPar~a~l~ U trw alor,r wrnrorts in ust yow tcsormt, thtt petwa cam bs sa
s to Mcoma ra
attdtori:ed enc Yet diosdi ~°~~ eptt~oa to ~i tla ec~ovat is you cra
eutkorked cart ,tea °f° '°~_~'~ recoual tnd ttsA c+rd issue °a ~~
You rafB nwsbt rasprr-rw° for the ass 110°r rrt This iraludas Your nsPoanbdin'
aocontrt eeeerdlal 1e ~ tattle of this r9naga a~o~~ usor.
paying rB charger oa ymr at:eo+mt rnadr by
You msy_nlqur•t an addidaaal strd for usa by ra sutbotisad user on yow rcroaru tt t^u
do so, ttdt tct asd msY aPPer. on the eroas report of drat sutttartrp= :+wr
y,,, mpg nwpt is m trnabtstr en sutlterlted atua ss atrr tar~dot a w~•dhti dUtr enl
~a~iaA,rrtayysbstthosaeowrtsadlor• etrds.thaeksasnyotlrer
p~~ntrmbec Yor tbould rho stover sod destroy sny
marrre of elates u yar recount fro+s that satbort detemoMs yds may tiro trier to the
y;rs~t u~ Yoer aaatylnt appears on Yell s<wweoi sfso a+rY show ibu
cisdt Bta es s uadit flak m spatdiag
oritra polder d cndklra mryba usedior cash rdwacrs ~ s~baa ~°~ end~t!
ceasdht rdreaee c~'~uu!'r cMrghrd egsbtsltin rash advaaa 'bit for
korpiugat~rb~t'w"'wo bdin~ea,QrreivdMg mY (~ s ~ ap s~~ s. end
meklag sots k swabs Mbw Your crerll Fos II~°ut eeaowtt bobttct is owrynrr aodk
Fns ftr arty [:stop, -~ our cbaros Y~ en p1s"""""" f so rs ds:uibrd kt dd: sgrsearsnt.
Ws ~ but ^n potnqubed to, eothrxits chargss that go owryorx creditRps•You must
say emovrd, war goer urdi Bae, sad Yw roust P~ Ms la'm°d°1°h` B W° uk Yuu to
p~gq{tf eppBss u rely Helancs waryoer as Eros ~ the crab adwnu
At ourdiccrrVaa,wa moYincnssw reduce, of wncd your aedkFm,
portbe of year uedn lnr, d sny tfwr ylewawr, ii you bwt eskad es not to do so, wa
w~netbrunsayorrcndklbs AcbsegswyourcndklnewiNnotsttaclyouroblgation
m Pq us p~piaae frdonstbool trsnsectbns yaduda say lnnsaetba drat you
IntetesUaud •i( pt that you pakt ountdt of tM Unked Sous of Awerks scan
mats lnttonigat:trtntteY mekt s Innseeliott fn a loniga ctrtrsncy, Vies
guys wads sa U S deters U yor
Internsdoad or klsstsrstire ctuu McY c~w~a proce~dura TM stsdtsnlt tart each
doltrs by odty ih r W is t tell Uat it sshcts ekbrr Error Utt leapt of nos
srtdty aces to tmttrett qtr trarMn Ise Ua sppBcebh tgocesdng data (which
awBsble In the wbds:sh curnrrcY
nu moy wrY haw tbt nu ihs rss~~psFlcdw ar0ty tract ncriwsl, or dta
pwtaaaatarrrdstsd nru d~ ~ dBhrirom ~e nu at iwhs ~u you ss dywr~rd
on the gtpgr:sMs pracssdeF Y sn eddhioaal thus porceet p7G10l tM
w eccotttR IAIs taserw the ripbt to cgroe Yes
US doFutsnatatolsaYkd~i°dmnltnaseedon.wbstMtittetVmwslbawasonglmgY
sods k U•S. dolers or roes made b roodtor wma°Y snd convsMd u U.S. ddkr: by
Vise or ytthst~Grd b oWtet rasa, tlts 7~ tv~ bs wkdetsd oa tla U., db~domad~oarawl
pr~.diousbytristsrrtit)'Theatre'sproessssndefisrgesmsysppht nY
l~°°dionktevna+d cdorriNarnay,bmsnnotnquirsdtr,dssTinesrrsanction
( o<the togerMp nasoar.
sccowd or say
• baewss d oprrsttonsh~~s~°Af,
• Muunyouretcotd
• 1 tw:wpacttrwddant or udawful rctivay or,
• is : ,~ #•.ttttoa itC aFy other rsss•n.
Wp cap apt rp4ppa{ita for .rayy lostss U s Irsnsacdoa on your ssrouat k daclaed for
sny aason, eil4er by w to s thbd pony. aeon d you tow sulBtient~r ,d` ~ ~ an
~ ~p rrs nay aquira Chet yoe rapist Y°
ruthritstloa stn Y+st ttn safsct tMa tw7 notih you B eve weal yon u npltar fl yea
da red raYidsr4"ra ratY decGaa yow oohs trsnsaeifons
gdwd is Pey G6s~ v~ ~Ybs~~ Y~ woturt to d~pdds whether w sainhodzs that
a cMck for payola
chp~ yYp rpp%bu pa not regrind u. nlacl and ratura unpaid a cheek rr eery re^son,
. btcyadbtg Nw isBetndrp roaimplss:
. Wt tr rmr ofoar rtriwd sptrperdes is tM peyts on Na cMet.
,~ t~Bpp ~ ~@ edwace pardon of your cndk Fns has Men sxcerdad, u woold
M acceded B rw aid dta chock
• Ths cMckieprat~ud g r p~~daird ehek is paid. nt,rltinp in raothu ch:k brarg
rsetrnrd or tat ppaid, rue sn not ra~orstbir•
- You have uaad Ua cheek. b ~ w+ P~~ ~s crEnek n
• yor are in ddsek or wotdd
last rt Salsa Wrda, precks car tccarrtid'a: h~a sstd+u6 a yar dduk somsoas ss dbor
or other wrens u Y~ PK~O~ roe must natHy us at urea by eslirry the
mn °Ct ~° a auwbar dawn oa yow nrd a bBBrtg tArurrnm• Do rat
Cudnamber Srrrakrr mhpttoa resttuM ttppbrr ar other
ass your wcaml aheryre eodh a, awn 1 your cord, clack,
mesas to eeera Your seeountls round or returtad. Wt may tatadnne w sesprad ytarr
endtt pmiiegrswbwt Yw no1BY us of sny lots. theh er unruthorked ass aMted to your
eccotmt
Yna pay be ari ~ ~ °~ be ebb,armors thm~S'S1.DO of each tnnsrctior~ts, ud Ya-
no yaaalB, M+tyo wcb uansactbns msda altar you hotly us of tM bar:, Ihak w
calf sot be Bails for say
rauthodsed eae.tlsersrtr, Yoe mud hentitY for a rho unauUtorhsd ehrrpae iron
you teceltrrd ao IaraBL es inloraation in wridag to ygtp ut Gnd om wlatbspPaard.
Vthath'nq~~iarro~to comply wkh errtrin prosaduat bt eonosetiou rvdh out
VVs spay also raR Ya
inwsdlstitm.
PA ttrrbnd~ Yow b~pl stetsaant snd sewmpsrrymg emabpr Mrlede
inns yMt most hloa br ankitq paymsMt snd sots torah tiro dsu sad tbta by
whidt era mtpu4seyy yoewva in U 5 rioters drawn on funds on datosft in s U S,
yt~~eb~stMdiat at tkt L S. breach d t imafgn Gneadel bttdhuVru tatap t PaYm~
~qrt~order er aehmrda d~itVatwiB bs procsssrd or honored bYywr ~~h'
In~~oa YYti rr!il not aseept cash paYn+sau Your foul swBtbie cnd'd s-aY
rp~d f or ep to 15 days ebrs wt ncdw your P°Yr~--
Aay PaY~ ~~ °f sum io•.r ~ °nTr*snl wNch ytr send tour I,u Mu Na tM id
horace etatismsrlttd d is iditr;bt °~1~t~ ba z.M us s~uN~
in lul seibrfesdoa d r
eonrBt~t neh ~ address lstad on roar monthly stneaaat Wt resales e/ ow righu
tntt:ltl a pertaetds Far txeatpla, B k is dstermirsrd than k ro vtrBd did f ~ ~ ~
sm psyaaotarxslvsdetarryother address rw may aresptlht P°Y~
call stBi orw any not o~iepM~ Gear by deAreyttr4~ AB other ~paymetttt uttt you m^t
ralurakWn>oYew ma sutarNen
syatld be acrd u ors ngdsr ptymsrd address shows oa ymst ~Y ehaau, rt Grt
Wa nsem th dgh u nc~vonkely cdlact Your aBpib{s pYme
pnssnunetttsrd erryrsprest dtr~ekr ~arreulhoriradan for us two o! ctth~ movM r
Our rocetpt d Yout PeY~
the cMtk ®MttroakrtY. 04 D rrrdrd, by + drab drrwe agrirat tM book ruounl
the ckack sewrmt sloes
p:yrantt eheds rviRbr eoRecUd alratreakrlh' ~' ~ Your bsvk scoured mey
i will for thrak rreRrq urd aaoart rumbas to Peer l peytront
bo debtrd rc euly rsthr ane dsy rN nceiw your prYt~rM The odgiaa
cheek vvtl be MvUtrlnd and ee iarega tvW M o~+bna~d b ~ rotords
Aliiairmue PeYeteatYee rgrre a WY at Mari the mhdmwr ptyarad der. as shover
on your bNRrq sMeewnt w titer wa ncaiw k by the doe and tray pa rnl k der
You mry PeY ~° den ~ adnkacm ~ ~ rod aaY PrY ~° 1'"' •~A1 ~
awo us rl nrY ~°• R Yee Mva r MNarr ~ M tea ro hearea ehagn, the
soonvfyatPeYtn,duhscyouwiwPri'infuwntr thrtgrsbrcausrRnrncv thargrs
acwur on Yen byfracr rush dry boMvice sad your rp~tq boMncr 11Ar
Yore biltv0 tdatreterd °~ Yeef bpineiat
Now BrWrce'vn Ye4r biM1 strtrmerdl Rdre New BeMrtu a Si0 sr Mss. Your
~ de- err'N bo the Now Baleaer. Dtlrerwicr, k vn'N be tM Mrgrst of
tht f .S10~ bRaa~rrae~dtsges, and eaY h>wad ha nd~vwrtadt Ivry Ai
coUl bltrd t dar,wr ela add eery rawrvt past due snderq orcowrt
overYottr ~Naa~Ymra
Peymart Atrcetiart: Yar hgrsr tlrt era an suthurhed to atouu Your prynrnts
thrtk raosi MvorabM w or eoavattieat to rs.Fot rnmple,you
sod eretRts M a ~ ~ rndts b brMncer wkh lovwr APRs tsuch
^utkorfta w a ~befen~balsncos wiRr hlgha APRt
ac proarotlaaei r ralund of r coda 6rierrtr et erp time Ws eery
Cridtt DelnuX You rwYre9er~ the rmo+wl of nave cMrpn a fns 61Uad
reduce Orr rmourd d arN °~ brbncr by
to your rccottut ~ aNY oadtorks a tlrkd pant to aworratk:rRy chrrgr Youi
Aut~tle Clrrgrm rKa ~ reort clnrpK, nrombrtddp
a ccolMd fa nPeK ItaprvaDYons oAr~r~s ae swPNd to KY Wawa 61
andMsuratterpnlrtieva) r1 for airy rratora a your seaoued
beerucr Year ouorat tdvad or t~q the biMr sod irpiM Mnsr abN9rs
rltnrrbN sM~u r rr ehvnpac• err mmryry,~ but srr not.nV~ to. PrY h="'
~~~eceot~sntanarbrr eberpts 1hrtYrr autfrtrkad to br bgNdtoyoa old retovnt
wmt1°a oRer s of wins for w acarsM b vw
PronreRetrs: Fnm tL-r tv tlau ore may prri ~° veil lee Mdlvtl
do, vw w~ earRyyw °~ ~ rant of the rlfarand hew Map
Any Prey k wbietl to tiro tuna of thk rgreomrm. ac moditsd by tM
protoodond oNot
~ ~ and Aswol r IMlsa: Ynr rarusl percrahtlN rows
aad tb ettrrarloaMrt dr~ rates era tsmd on tle Rotor rod Eras
TsivM flat is at qr rrMpr sf Uds dotwnrM a Wor"d°d srParrtrlY 7o Y ~ ~ ~k
perlt~die rop wa dMdr Rte APR by 31ki, urd is aRret slwaYs round uP
VarivbNAMsaa's eteroAPRstMt royouraewunlmrywrywiUrehanprc
beer M p qtu vaArs wkA sbsvYrt to the Pdmr
to tiw pekoe Nw ~ YeebY etdbrt r wtatM to tkr Prfarr Rea pebilsbri h TTs
Rau, We ceMaNt 6KiMrr deys baton ilr t:IKieq Darr slaw" is d~r MorrrY
iNdSUvr1•kvaal-wo bphrst f~ 1 Prkn Rote prddishrd
statrmrrd Tlo'Priew Rea' k tkr
Ra1rs sstditar of 1Ar yi4MSaaetJwreel R Tke yltiMStrret Jcrrraelslope Pebtsfiiet
the hir-tReW enwisrMa a sindhrt nhrartr rote and hdormyovonyour blRbrq
cirirnwM at Rttregb r septuru radce
bye dkt & ~~r~~va edd to the prhne Rea to ufcrdsN tin APR A
sa~l/'~ a k wt a werkvrd a lodsrri MrtdeY• The Rater a~
Fass Ti61tr sfioers wank MK. D rrRr, ate w b~dfc i ussadrwrraWeed'ap~
orcb vsrMYr tMrr end ray adslmwa Dear hs~ rot on trout aM'mq cutrmam un srr
1Yre burMete ~+ brk*e rite fodat bir raargn b that Peirce Reu le qrt
wkat the Prbae Rrts 1~ cw ~~~° u ~t,p~ rbow
the APA. TM dally p tr a drty purolGC ntr from the prrvkus btMrq
11 stn crkulydw reealteM r olorgr ~ new rate vst apph rs of the Brst
cYrh because M Prkaa ReM las chrrpod,
of Yem biy cYaM tMt tm/s in drv uhh~sr math M which vw rmerrbt~M
ea eulrtMn R dtr dr pedodk nu bverorsu, youwtt kevr to pry a Mgkr p
brut D PrY r hipbrr tniainrrn PrymeM.
linraao alargr aad mry ne v # u m it dobuk under this rgrrrmont
Derrell Ilrtea:~ APRs else Y rrY fro
o[ any otkrr slltrrea+rra you hive vrllh us or aoY of our reread egnpadu la soy of
ihr togevriv! rwi0ar oM Uut is owed oa this aecourt a aaY other
• VYa do tat rrtrivr, la err/ Pepe
rceotmt a loae vvkh us. r1 bnl the ndrdmum paymem dos by the dsu and tone
due . txrdt too rn lids recount
• Yor exceed Yror to rr flat k not bvvard by Your bank .
• Yon inch r ptrY~roal p r time rRa yen aeaum a clossd,we drawad
• TolhorxbrdeBer+odbY~4il. aY
brrmedn1e of yen outasndkp helaree end wr ~ rat »alvr peyeont
vvilklt ~ ~sprctY. lansse the APRs lincbd'rfi r^Y ~p1°°d°nN
I~ eat otOwe,varlroeeurs,tva rerY
APRI oo rRitdMttrs lrxaloiinY whrllrrR+dw+nta) ap to r mudmam of tM dole
nu etrgd la *drfwl taus der Mo~~Rt d ii ~o year setount hors ~* oMo~paaah ~'s
detamMr ytmr otia d.levits on your recount: oRwrhrdiertians
etd:terrcr,srrlrnarrrsttaltMltN ~rMiormat'fatabowyouroUarnMgotuirlp:
of Yrer aceocett rso~ red / a cad inlatretMa wa obuln from eonwmsr
wkh us a eny of our reined eaaptrd rv
endhnporu~~9~ ~°W~hiththrdslwhet~curstbndetilrPPWto~hrss
the (usi rY
'rye L n
r'~o-SL4l
brMvws has tiu pftvirui ids cycle for which periodic Raeaer drrrgn have
vol6orr ekudY bite{ thrro k s drfaol a d rw do not
R an drtdda aot to Inerrrse yourAPR t d~lw ~~ M Yu Retos aad tars
Marra Yen APR ep to tfrr mtdmwn
Ttbir. ws nsrtve mx ritk tr prcroose Your APR~cvd v11 r~efs~a nineleto
We mey M our dMcrotba deNrmina W tkorpa
seeadrtd Mes for aN a edecwd brhrtr:es oa M+ ~o~ ~u MNMi flvakdiaY
Rraaa CMtgeCdeaidioe-Two-CyefeAvPnt!eRaNaet 1lsibod ( Now
NrwMabrrtsllorPerckrreraadAr ~Dc~~Y~ ( mar cbvtgos
TnvsrcUrtal Ia Dllrr Troaesetlorti+ y~ r diiMratt edegvry el tromaathtts
tarparUly for sub briaaer eseocieted
gaoarmpM.pureiUSts,~raaovsnrins,bvhneot-atut~tei ~, srnM
ueprdveoar eMakr,ovotd~cvdr'~'rndorebPtotrtMlottl•
ea dpMnat categairc wish tM setae defy poriotllc rolls Thk k how k
VVe cakuteu ihr pedodk fawrcr chergre fa paebr~sr aMty bahaee by ioNa~vs:
• first, for rock dsy of the ftiWrt ~U•bwvtwdtlPlY
. g j~ ck daY d rlrv pprrw~vs ~ f1a datY b~ncv
Ior Wrakssos ardv in Ual liMttO ~natvyiwKM p rote ltrteerva;
err d. nol do RtM erwnd rUP if an ~oy~vht M fur of tko Itow BvMnn
apyoa~eviws bNtnq etetrmrttt trythe daN vod Ikvo !M adnknnorpsYttoM wss
dro a e pMMdic Rrrau ekergo one shady b ~v~osmt ~~IU s proawtiovsl
Wo eslctdrte tM perhrRa trtcncr aha-grt for par
rots rtes soar wrx but we e» rho pnmoRend ate
Wr crlceMu~ ~°pC° ahrtgrs for bdeaer innslas, baMnee tnrafrr
alNela.~ pnkvdvenaalraaks,andsvotdrrksMnevs,bY~q
the defy bekttq for aah d Rtoa wtegorMs hY qrr drty poriodia rrlr far n of
~osvertgaipti sreh ds-+ YooawYlwvo ovsMrsk vdvsaea mhDYeakmp~od
this seeovrtty a dmeldat aeeomrt ovate omt d our rrfatad Mudre•!Mv oriauMee do
p+dr~a Raana chrryqK Mr s~rot to s Pro~mo8onsl rote drv sago woY.
rdvagotre, cad arsb advraee
butarr tRa 9tr ptotoodaai tar
To qrt tla drRY brMner Mr oreh dry for seek cetrgery:
^ 1Ms take tkv begirtafM paMear tot thrt deY:
• 1Ne odd N drat bdsnee aaY now trovsrcRonc, Mrs, other cbrrges, srd dabl
r dtrl spP1Y to Rrrt artegary. tltM1 odd r cove parrkaa. euh edvwa•
b~trapdr a vvardrsR edvsaeo, H rppReahM, to rho ddlY bvimw ri d drv
usrrsstaioa dw, or s kwt date of vx ~ ~ ~ a s~~~ea
a itrlraao trrttdrr duck b lire dsRY
etreek a brMrrcr trrtfeter chock k dvpodtod by a peyn, a a leter dote of our
Y~Nr~ce eaEAwW Irvin >hat brMaco enY prytttrets, eredits, or taedl ed~rsunrntc that
y sod dot Kr cradled st vl gear dsy
~~ 6vMnev vt v bvisnev vl:rro for tM nosi dvy, wr sdd the drRy
Tv pqvt~_~tln Yvgivdnq >~dtraw for osoir sotgory
PerU~ fltUea charge tab ~ ~r ~rvto ~IitM n tbov aav dsiY potiodie eels
t.ordd ter wso ilrr wn barwd at Uro
amowrl"otpv srvngv dv>rllrNtaatti ~ ~ w° thrpadN~j~~~ab~ia rap tMt vppAts
~,~r ri to askuhto Mn
P~^vva dRniy~ t~~Q~~k doy Tkk rq-arrvnt~ProrkNs for deAy
apgqMNNwvndrrq el 6nttrrce for the bttrtp aycM, Nn rdd rR N the dally
pvtlod<e RaaneeP ehupve Mr sveh wtogM' ter veeh dryI d fvp Riot biN•in0 eYah.
fbrwer vkvrgvs oa Necbues, it eery ippi-G for eM prtviars
dte Rravoe rbrrov k dw, wv vr11 thetgv you ~t
~~ f~ttee shrrga sand (a iM Naas and Frrs Labb . M k
k a~Y a as rddlfoar! emrrrit to inch tM mkdttrtw Rpacrcr sharps, wo
edd thrt amotmt to rho beMaw for gtrcltsra rardr dtninq tba frttrq sytM
,~ ~ Roaace therge pr yew steotaa Mr r btlMq eYtir t+rit ba do sum d the
periarRe Rraoce rharyvr PM+ aaY trrmpcdor to tirstar elwga:.
s~tovwrtogvdvlYbrlrwcr6w~ tugvrocscdoas)
Foraaskatyp~vry1wv ~~y~,,~ ~ ~ bebncas sad d ikt amount kY
Ike vambe- ai drYs ie t^""""q ~ a a ~HACr CkafDa iOf pUftkraaS
a Wr ewnp dray brMttoo !vr these
~ U° avers ~ ~ ~ dN avango do11' bvbtuv for
srsMcrkuMted and tiwtrttdtbytiwrttaabrr
e vMrRorYkY~~~°~~ ~~y~ ~ ~ jhana ebrgrs rrr gear
of deYs Mtiu 61Mint cYeM. rtt<r for mina vsdeUoos dw to rourrRrtq
hdavarrvrl6vnbiotodrMkt~aYeM. ~acavoPatMd'a:Rvonaekarpvs
Craval'erMdad~ or~ivtsevtlatgotMdotoitMeddvdtoYorrdaApbabvvv
vnatnraecdoh, b
~tp~trraMfuMMrksrMvdovl~oalvaevvatNowvw4 kiltren~eel~nP~
Rnevae oMrpf on nowparrdtssvs tdMvd dra~gl o bit P1'r h duo avd wo
Yoe: ilarv aMncr by tM data and faM Ivrx prypr ~drtamatd by rho
neriad PeYenta of Peer Nrrn Brbmao ea YrUePgen
deu atd tMnr your PsyrooMt~prppfw~yyr dur.This rxc or'gnar PrtNd' °~q°° °A~
~peuk rdvrn ditieks or wetdrrh odrrness~ t appfa ~a ahscks, ces
~ amwnt ~~ yt the Repo ~ Ft.s 7abk Iw sMvch olih~ 1 vwiwl v ns~edons:
• eesb advener chocks
• cosh rdvaeces
in saddler. g you psr s tlr4d Pany nrvka to rocks s paymeer rn year -rhdl wd thv
ssrvin chsryo the peynnd to rids eceoum wr rsay chrrpr r trrnsasdw tea Ix Iha
psymrnl
Tlusr irs+s ~ ~~iusnsoedon ds1° d~ihsrudr°sdvare~ orszrrrpb,Mi trrMnssction Ira
utrpory cosh Pawnee bdanee
for a Pear r~rarres would ba rddsd to your ^ hahncr tnncler Ire to
Trenseclies Fao lac Baynes Trarsiets: VW rnsy shrrp You
the ataourd surtrd b tM Rrtas end fns Ubb for oreb of tIN idlowing -rrnssetkns;
bdeacs tumdsr drsckr,
bateaeeaarrdKs
Ttwra v r~etdl~prbtnrt~ea d drys lmly~ dtr~ut 1~ fot,xampls. s twnssction
eatrgory
fay iw r b~irnsotrrnsierwould be added to yow bshncs vaasler brlrner
0`ft4l:Il t?EtsS AND CtiAtOES
y~ teals ~ryr the logovdap lies Tlw emotmts of 1Msr qes ur Fisted fn thr Ratos and
less T,661x 'Thos°!°°swSlbe rddnd to rhs hdanca ~portMses msdo dorinp the biNb'g
cycle rccouM hss an snaol menrbsrshiP lea, i rrN bs bgbd
Aeatnl lAnrabsrsldp t%src B 1'sor
oath yae a in mamhk httaNlwsnta hs rubd In tM RMo and hsc Trbls), whrtbrr or
reel oa ytsrr eaeosnA, and Y'n_ !}jf°s to pry it rihra bNrd Thr sosrrrl au~orsMP
}~ udrrs ~ ~mr n ~ yw wish to slays yoor eccowd within ~
tar re ns,t•rvlwrdNM sbtattraat wr wMcir d-e awwd nrrabrrship bs is
at
days d the rHtr try IarB your bNbrg ba~ttca in hrg Vow
shnryed urd Kthv Naa than. Yau pryYO°r °u~R°d~ eetouat nr~ur
fry doer cwt egtwt our dpht b slew yam
frns~t°~ ro~Nu~ orr~ reeormt li 1~ttr recorM is cbsouts~lrn~dlagbdsn~s
wip sotrdaw to rhrr0° VM °°~N m 1°r unbT Yon WYYom
in lug and brrnhrau Your acemmt rek
Isla fors N vr+s drr aol rrsdw w brrt do regnkrd tniahnum PW ~ °W,bY ~!clu~ tf~is
time it N dos u slwvva oe Yau- trpinp alntamrnt for any fac.Yr ""~
isb be shown ip tbs Rees cad Foee T Bslurc ~ ~ armstd month's sWatwsnt~thst
crtr.dab rho bL to ~ DN P-rvioas
shows Ore bra fn llrk belwres is tM raw ss Ihs lNw irirace shrsnt or the prior
rrroMh'r rietsenrrtt for vvldch wr did nrl recohh el tout the nquhsd rrdabrrem psyarrot
by the den and tlms h wo dos
t3verpmit Fes: N yon seeorrrd bdener it ow, Your c as YJe rosy drrtgs ads Is°
sycM, srroa S Daly for r dry. wr mey chap
avraNyatababaca k ararttr uadhgo trresrrw de gtraasa Burps rrhr wsimposad
wr sutborkrd 4Vr wit aN shsq, *+ar° tMsa tares owrAmit fa for wry
~, ~ ws arsy ahsrgo an secaual, li iayvw •<sgornd bsls~nts c owr Your
nrw ttattt rrr ttndr en yerr
credit Nay at Pay tlraa rhttitM the snbsrrpraal 61Mrq syeM:
Rehm Peya-Nd frrw it Ia1 Y°°t PaYm°At duct er eMaArr inrtrurrant b: twl honored, ibl
sn suteanpe drbd or otlmr slretrsrtie psymwd is rnoxard repel c, d. ii i n-sY eh 9t° s
n payaird clear baesua i is sot sipriad w urraot br proc
rsarra paYm1a ~' ° nt oa a tsar caveats etwek of bafwsa transbr
Rsrirri Chaah F~ S (e) tyre ~p P Ym°
cdY~r~~ntst~rrcba~ck h rE°~advsaracheckorbsbnrotnaslar
ehsckwam°9 w rat a copy d r bANag aut4mrnh sales dnit or othor
Add titer II q g ~ro rogtlsst two or scan srrdr or any spsdal ssrvkas {ior
reeved d Y'aK ~~ ahr a for thaw services
axrmpb, oMahrTsp cards w en v><psdtsd bads! vte maY ry Y°tl
Hosrrva4 y„a YsN not aharp° You ~ r of bggnp ststsmems, sate dnhs or shrder
~tMtyrwraqussthr.bidM+g~l'ao1°6YussrtesaYtctus prderrppkebts
byr, t1W rnsy citargs~ floors ear srrviso psud rdpvr read otnsr s,rvitss ws provide, Iho
less boat rhea a then iN agsct when va ogar ibe result..
DEFAULTj~OI.CBCTrOIi
We rosy t:otsddrr Yau w br 1. delruR N cry of died occur.
. Vys do not»t~iw st lMSt dry mlalrrumr rmoual dt,e br trey dw~ and time Bur rs drown
~o~nd~yanr~erad~ItFina.
Yn ~>D ~n~y nrldr tM terms of Ibis eprremrnt or eiryaorermvM wdh ores d our
nlatrd compatlas;
. Wr obista hihrtarbon 1Mt teaser ut to bsNeve thstyau mss or umv~ng a vaoblr to
dsbis b to or is otMrs on dens
°~ ~~ pstrd or in the even! d Ywrr dr°qr• '
II vva eoaHar yrwr aeaouat to ba in drbsh. vre rosy dose yorrr aceouM wfthow nodes
sad rsgrdn yarb pa yrnrr wipaid bdanee irrtndtatsht Wr eko mry nqube You to pay
irtbrot K the tab of tyre P°faa°1 fix') s m0°d" o tM ~°id beirrrs, whin vn dnm
yorr aetetad robs shr a arose bittbq eycias P~ dY°•
To tM asbal psraiAtsd bY~'~ d yon us b drlruh babwce you havr Isged t° pry us,
Y°M ~ Pry °w ~und~r ~ r nmml~' tees caHrrt costs. and rg othrr rspwces of
ordorekM orrrigfils
ClD5nv6 YDUi ACt,CUNT esg us [o dote Your account wr may
You coy doss your rctwN d Prey three N you
require Drat Yo, eonfum your uquart in wtithrg
VPs mry slow your ssarr~ci a> wept is rsgnhsd by sppNcrWr isvv~ tl vw ebs~a your
at7 rrewn wMhout t ~ g~ to for soy ronsequaases rsstrKing from closing your
eseawd. we refw trot YOtl
aeeouM K suspsadhy Yarr a°dh 1+~gss
if por a uvs doss yow eeeoad, You end arw ao~°d Dews mrst irmnrdtat.ty slop
using you eceenM cad dsAroy !gYo waleorrbwe tabs rrsponaibk lo- chr~rgrt to ytdrr
of cellars than b us upoe trqur
eeeourd. rtron U dray m areas or prverrsed riurYeer a+ttowrt is clasrd cad you vela
.: Gi~AA i2a:
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by required to PaY tM obuartrdbp beiarra on your sccarnt acaordbrp to thr arms d
Dds aprnmerr! M edd(don, to dta Preset egowsd by ~ vw °1°y f °~° 1'0Y to pry the
otrtrurrdbrg bdwrsa ipnrrdbbly of et ary tiros slur yore sceauat h desad
Ap61TAATiig+1 Air
PIfASE SEAR TNtS ASliE9AElFF CAREFULLII R p'pONtOES THAT ANY DISPUTE MAY
BE AESOLVEO UY BINDING ASINTflATION ARBIiRAT61N SEPtACES THE SSsHT TD GO
TO Ct7Ui'G YOU tANfd. NOT BE ASE TD BpM16 A CLASS' ACTIl1N ati OTHER
SCd'F~6ENTATNE ACTION Dl COipiT SUCH AS THAT IN THE FOIBri ~ A PRIVATE
ATTOi11i~ItY 6t:NERAI AC'f1ON, Ndl VdNI. YOU BE ABLE TO SigNtf ANY CWM IN
ARBRRATWN AS A,CtASS ACTNitf DR OTtiHI i1BpF~BlTAT1YE AC770N. YOU WIL!
NOT aEABlETOBEPART~ANYCiASiACT1fNfl~ ~~~~
BROi~HT aY At~raa~ Ems: w! :~er,t,~,w~,t~-iEN>:Yau
MDNEt,rNa~sv rw~sr.no~,.,..R..._..°-•--- - - sMNstrenasc6onuwoWing
piadioDArbiN°Wn,ThisAtMMStionAprsMnrnlb nrsdapmsu
intarsbb eoarnsras, rnd ahti bs pwward by aad M wrbrwabN uadar for Frdsrsl
AdsirNienAolhbr'FM'L9U8!~91•tieshrarybsoraad~ ThlsArbdtstioaApnrrrant
sks~thadrormsbnsrssad ondrtuoadKwMishrhrimslssdsNrrsdbsiawlmrY
ba resdwd by nrbllretbn band d Miep Bdptrd Io soon
pv~SCorsrsd,FDrihrpurporerdtAisAtbltnMonApraaaat'rp'.K~
tacbrdrs oar psrtrat. a a, sly, graaanr, Prrd°ssasrtr,
coy ptud-orr d ywrr AecowM. and clot thdr oaie.ra. diraerwr, a o, rprms,
sac{ sssipm ar coy and ei d than AddlYonsM,'tvr'.'wf snd'or~ shah iaclodr ray third
psrt~ proeidhtp bsaniis, sstvko, ar prrdosls ht ttsmNetlon with tlra Aeeotsst NachaOrrp
bet na irdl°d to srsd& brxsrYS. awKrpsau 1bK °'~aPt °ry ersdll dsvier Issue/ seder
Ora A;souM, nws-d* Pr°t1 and sargarrst sniass. srrdh Tasrrracr corr~psniss,
deblcegedars. sad ddthdroiRtsa. dhadon, srrptayn:. sparse end nprsseabdver)
il, and wdYD, raeh s third penyh aamsd byyeu a s co•dalsndsat h ar-y pdm yos sssart
rgsMst ue y sins ether's soaart. rNct mendrtory,
CIaMm Cwstad- E~ ~ or ~ ~ or r:omrrswrry~ rhfrar yw m o spinal tM
binrfiap arhSretlwr drtty ehhrr, rAsPrts ~t
otluy a apriotDrr waWeyns, paatrtr, wbddlrtiaR a ebs, biatisisrirs, rponts or
scsipas d pa ether, fag from w r ~iawxd~ er g s sdnrddnp.app~adwr
N-yPriorCmd^rr~KA9~°~'yyaenrrr nrrsrl pswra: • Cbbns,
Ysts Aesorat Cpaim'i • Tidy ArbiVnion Awy
why Mr~so~ I~iMgr ~ den bas. star. sonvaet t Nrgon. ordFr°nes, ton.
onsaon bn4 roolbotio prorbia d ~01Y d~ tnteh ss raspoudaet
suprrio4or snYothrrMprl or srPdtsbb gvtatd s whspar ach tidms seek w »rnedies
monry dnrprs, pnrsltirs, Mjr~ K d°~°~ °r srpehabla reNd. Clrias aobNct
m Dds ArMlrtdat Wn°1°°°t s Clslns aPrinl lM oPPBooblgtY d this Arblustba
ApreraraatartM d br tptdrr prdtpsgtbrrApisriiaalor say prior Crrrdmember
Aprnsreant This AtbStrtioa A~omatd inrhrdas pariimmt put arou b pia peel, or srtar
~ ~ ~~ ~~this ArbArrdon Aprsawud. lhr term Chien a to
P nl4dardohrtdrde tttrbasibst Pro ands ss eowdwdehex, clan elshrm,
odtut w slharti+ip. and s Par!Y who hddrttrs s proendtap {n
cocci ~ Mrel rrjdus Oa wipr nsprat to my sorb Maims °dwrrs°d in Ihr Uwsoit by
snypnnyarprtDrr•
As so tatbopdoa Kthis Arbilrrtioa Agraraaud, yor rrruis the ripM b Wro,nlauN
ebiatlreotsisityl~shDirl~vtlpriwptsioorrisi°0nandpreas rnrnhrfividad
heels as pwgr eiaetsb erlftab • iDaiar, tM arbitredonvdg h ssadrea.d
i4:thm. NeShcr yao ~ rs rpno b say artdballan oar :br yr reps a~.aathe b-ris,
read-rwhNrstorsbNbawaosotirarkYwpto~es~m~bo~~ ~derptdvw.
i e curs trsdmt Iwrsd a whys nprrsNrtnhrr
rttotary praaral rction,ic lira, aay ache beMwoaus nlaud b Un isrws reMod in such
IrwruRs wIM ba sub~aet b as tadNidobl sttritradon obirn i<sMhrr yw or ws w dreg
Ne srbhraDo wiz br consolMsud wkh arty othrr rrbivatfoa precssdi-g wNhart the
cortrsnt d aN pardss Tirr Drib ptdnu that taay ba )aura M es hrdNhlod rsdai ands(
this prbivaDoa Aprssaaot err Ill these broapht Isytm epehut yar trrl auY co•appicaat,
jomi eardnrem6u, of amhorked user d your Ascornd. or your bare m year tnatar in
barduuptry or (_) risers btouphl by yon sad anY ao'WPMsat, (ebtt catdnrrrabrr: or
ruDiorked rya of yosriutrorat, a 1'BU brks °r yoar troctes is isn+kruptcY rWinrt us
htibalini d Atbitntio Ths Party tgMip a Chha h- ,arbMnpaa roast sheosr rro of thr
A~~ arbYnhrn admadsUrto~ Aiasdea Ar~r~ dos:ram aakwv ~ ao e
Frrrrsr.Tlreo rdttdrdalretors acs
rs94 emdrel Dtr rtblltathtn Arbiapsri br aorr ~ under thr robc d the sdectsd
rtbhrrdoa e~dnirltabr by ea fiapeAhl dtbd Port! shoran in aoeordrnn with the ndes
d tM salasud ellrirsdon adudrd,trtaw end ra mry br prwidrd M ads Arbiurdan
AgrnmraAr. Any atbitratioa hrathq ptrt Yrsohhlaa ~ i dmjNiudiciel tdrstub.~rM rwhkh you
the srbitrNer or arbhrroori ~dradatrabr
reads of pre dens tM Maim is Ned, ar N soma olhar pbes a rvhkh you and wa eprw M
Yeo wry obiabt errpirr d ~r ctrrrwrt rules of arch d are two utrhretion
a~vators, inhxmrdoa show srlirathm and ubivstlon Inc, and iasuuctions for
inidspnp firbhnDee by sotttacDrtg iM rrbivetbn rdmhdstntors a logows:
Awsrhras Arb-vatlon praeehgo0. 7i5 Madison Avenue, floor 10. Nrw York, NY
10017.1~i.Wab sftw wwwlydrwi•8i0 Tli•7p~ or
Nrpoar) Arblhaprr Forwr, P0. Sort 501!1, lvltrrnespofir, MN 55405, Wrb sits.
www ubpndontotwa tom, ipp-47#-2371
Procsdnrss ea0 law apPOsabir to °rbitralba. A sinplr, muvol e-bitrstm wiN resort
Cldms.Thsarbhrslor shhrrbs a bwyerwith disrstUa yeeu uprrisrrer a e reared
a fotmor jtrdgs Thr srbitrsUos svi/ i~o~n~ rain ~ i~~ a tfpr d~au tbi-bitr~ ion
sod rrrlN d thr arbWsUoo sdtrdni<tr
tr iUrd urdrss thus. procsdurss rrtd rrkc us arconaWsat wrlh fhb Ar6hrstioa
A9rssta~. is ,~,d, cos. dds Agnaaard a/i prevd TMs. proeeduns erd ruNs
nay Uadt thr ~~ d dlaeowrY svrgobis u you a ur TM ubgntor wig ePP1Y
,t,P~,yb grbuurliuo Irvr eorobtas whh ibs FAA and spp/cebla statuue d
gmiUdaa, cad wig horarelebrs d ptitdlr/s rrcogrrkod at i,vr Yoa rraY choose to
hrve s hostGr/ rnd bs ropressntsd by oormael TAs erbkNa ~ tote nssonsbPo
sups to preuet cspwser AcCMlla bdamatlN sod other t a~ ~ the ubivoden,
Inclvdia0 Urn uro of prouedw ordae is proidbh /isalserr
N ngwad to do ae by yor oc na. The srbiin~r~b ~ P~ is owed u s
ppSttY arty deatstlN a otba rr/r1 provided b1e MMt end wUi not
hrvo thr psoeer u sward rs/d to, e a br Ua boargt d srrY paNn wM is
~ e ny to dtr proesrrdfag tl thr lrvs s~rtlwrisss s+reb n/sL tM rrb~iyvsmr say
sword purdtfr. drU.Ors or ,st~MY~ro.Kd rssNac ssdess~ro9usslyd by~i prsr-Y
writln/ ~ r»rd cal tM s(bhntor w/I previds s brie) sraterasM d tie
Upon • rrgtuat by Yw
naswrs for tM awstd.
Cesis,lAh wl/ rripbrrw yrv ion ua irddal arbivedoa ii6eg tN pdd 6Y up ro the
smoeat ol>B~ v1~ rrNlld d prooCof piyrasat.Additions/>: it {tore is r Msriag,
w- vui AsY stry {err d arbhrslor end rrbhrados sdaddstntor for the lust two
drys of Ibst hrerhra Tfu psywwlt d say srch hssrMg toss by uc w01 bo made
dinsltY u tttr arbNrrdos sdwisi,trsus sslepsd by a w pursNrrt to thh
~biy.p~q Aynatna- ttU rlha loos twig M sgoasud M fuapbg wid- thr ndss d
the srbbretlo0 edednisrsta cad spplksbb bw Ntrvwrrr, rue w/I advsaer u
ntmbttew fiiNq IrN rrMi riMr INS U Ws srbiUSdor sdetbdAntur tx stbhrata
Ostptaiars than (a 9~ neeoa for rrgohleg rs u do m a you ssk sc e d Us
dolorarhrs than is yood aoow for d~B so Freh paty vAN bsu da Sspsns
faro oad costs of ant psAy'a sttornWs, s><Nrts, wBrteuss• d°auaaau end wMr
r~ d vrtdah AMY prom/e, for erbi~usWm end say sppsst Us
pumNud b uvhet .a a~m basil ro~w.~ at'Magiq frsi end eora~n snulhsr
detstrabdnp
psrty.
EaloroeawrA, findity, s fs/urs w stry d.~s~'irs~~~~~ aw~o
ppryegrNtdaaytbas, ar' in essraefioa wkh srryPa~w
s wsiwr of sny rlgidc to spin arbhrstiN a • lea flew a ~ eonrt Ma (fret sn°gd
olhsrCtobwAnydsc~ elbs+cibaab~Mbgui~abi~velionapopkrdan
btndingoadgpsrtisa, Pony sip
y~e(ar~i d~Wiavll d~hvo nsutrN ubitraurs dafgsyu~d rby~th° sew ar~nurion
orpattha0ort. Tbs pwtil wl'/ ncowtdda sg isetuat sad hpl isswa rnew, fo>bw the
same runs that qpb to r as~odbN trrbrg s eio b srbGrstsr, red cake docislona
board as the two tM ntrjerity Fseh ptly w~ boa thdr owe tool, costa and
ertpsrues hney sPPN~ ~ • Pa'tY nstrver erry a erg less, costs and sttparsss
from enotba psnY• it tM arsjeehy ol~ P+'~ d sAr{gatac, epplyhr/ ej;pliubb
isvv, w dstorrahrsu M r+nrrtdM s ~e fibsn+bla es provided by thr
8rvsesl~Y arrtlvsl. TilaArbitryadsa p/rsuasst abs/ arrsiw: 61 uradrtedan err
chearlpcia taw CtrrdrtertrMr/~rrrurrau, d>. ~°~ sad tM nNdoaslr~ batvarm
Yes sad N. p~srtiy the Atrraat. {arch es dra {oaring d o asw saeeWe rarerbor
or drs vstaisrriap of 1hs babaea in thr Aeeourt is aaollwr reconng {/) the
bs d+rnYRsKYurs!~rs~PrOaNdirgisMSaudbYYouorNyauri7dlali~
sml~jdyaratt d dtr debt r- hr/ fry yen a by s Qbrt PsrM if eery pardon d tbh
ArbiVe110n AiFu~ it dewatsd hrvs a vaerdaeesbls, r ramrinin/ poAlons
shall rpurrdteNat newb- L tercr
tUtAttiBEB Tit Tflf S A9itE9iAHrT
yiheaoefrurYrtGls^~gfss~atarrYtbrre,npMlsssdo~vktihon Orurigbttosdd,
to your atxetrat, by sd~tl, ~ ~,„~ es the APHs end hoe,
dslote, a awd/y provbfottr cad safacstsent d the riphls and
end sgwr' ta+rras Soch sa Orr twMrrs, oxford, nt ModiOntivns, addidons,
abtigndoas Yon w we asybsvsr roMtbgts thfa sgramo
or delydwns sn osMed'Chen/rs' a e 'Chsngs'
Ws wt/ ao1Uy u d say Cberrge N ngrhrd byrpp/cebq low Throe Changes moy
be stfaretna sadcr ardy, u ihs dmo stHet ~ ~ ~e,;~iY a difie unps d
aappcahN hw Utdsu tvs state otbrwisa, raY
b err err your satntmt snl to an+r prsaNCdess
The nodes wig dsaa0n say dpMs yw mey hwe with respect to any Chrngs, rrrd
rho earsqusaost 0 yor do or do aW exoreks dross dgbc For uuarple the netts
tnsY strru ~ yrr neY nodty es la pAUns by s spsci/sd data M you do not wrnt u
acrrpt aettda Chealtes wa ere matt 11 Ya nolgy to in wrMhW tire{ yw der na
saarptttw gpnpse,ywr swrun~ebael INitk rat drordy ctose~ end you
wIU hr to psYY~ °~ bdance coda dts sppgcetdr terms d 1ha
eUrnmattMYor~rwtnadhrrabw bYdadrissutsdiathenotka.orHyou
ntsbTY ss but a wryae treetrtert sIIN Yw tau grted b rho rwtiea you w/I be
r~~ jtgd pCMitgea beprbx notkss wo Mvsassnt 4vu np~rdirimss of
whtaMt yw law snares to your eacouM
C1iE~liMF9RbAATTON
yk may ~ review year credit hisloryby obtalnbg tnlrnmelion iron eredb
buresre cad odrsra
yys mssyyinlw+ratioa ebrnt you sad yoursct:atud to and'rt bunaN,includiny
your ir/ae u pay unaCe>imw!~ iUitforma~ in yarn neon tarwo0 as~th names of
others, rw msy iTHm
those {filter oNpu
Ii yN think vra hew npoAsl ineeesrste bluaadar to ^ credit trarew, yw nsy
to urd~yronwCrrddnss, sccovra a<nrbrr,t~ihrpbon~i rrad~ i b~ritf
dswripiN d da proMrar 0 arsUabM, ptsase providr • aepy d tbs andrt bursw
report is rprrrtlon Ws wrU proar~y hwestigas tM sutra and, ii ore isvsadgetisn
shows that yaw ore right ~ ewcrscr lhs r.port 11 wo dtsrpnrwilhyou rhrr
tM intoraa tivs ssfr ~ Yew b vrridng a b1 tsNphono MVa wig eiN nediY Ihs
our bwadgsdon, the inlotmstlon unions yoo Nt us know thu you no
endit taasw Ihst you tit:prro
IoaOar dbpuu dts lnfarsNiN
NO'i1CE8/CNAN6E of PE/BONALU~ORhAAT10N
We full asM esrda, clsutaetrta sad odor wdeato Yw et the address shown
in err lioa. Oti X fhb k r scaorea, wo cat wad bl/hq atrtuaeaas ~ soties
to rrry jdrd eeconat hddat: Nsdcs u owe d you wig br erasidersd nsdea to rp of
yon end s/ of Yw vr10 tNrrbt eldfprud on ihr wcota><
II yoe clwtr~e yorr {area, sdMu, a hams, cr/dv a brrtnrss tslsplwaa aurrbu
or anaR sddrKe !il yer sirs to rsceiw bl~ stsua,rats u oibrr NNcN oa0arb
yon must trD11lY na In~Osusy iw wrWng rr drr rddnoc skews N yew bigkrg
sutsarent. Ws rM1ay ti err opdorr, aeaept srs>Nn/ rddrNC cancdrrrs Irrw 1hr
! eruoarer servies uoaaNoaMora K °nY +dd-osys sr tMih ~ masher os~vroll~os
ray or/trHr lsMpfiow tttrtrtbrr yro providr ns.
TEtB'I.IOi+IL /AOItJ100gH AND RECONOtNO
1Nr, cad it eppgatWs outsp~s rosy Uriea u and record your istrphvas osgs with
us You rOrn datwr, end N rppgeobir. our rperaa, msy do sa, wholhu you or wr
initiNs du uhrphree cs/
Ii+~R/gllitott ttNA1gM6
You aedtortts rr to char ssNSb brtormatioa aboutysu and your accaartwilhirr our
isra/y of compraies. pd wilt oYars otaside our btaiy of r;osrpesiu ioctw/rrp srgr
camNnyo-mgsakrdonrt ~~ ~ ~~°~ ~ ~ Est repceen
by br'ti our P+hnuY Poky.
° ardrl)uetoaaaaherMrwtarYrardarnrirrdreerRrrratolydormodon
s~ptscdcts sad UW ctakN yar hrw sad dkredoas you uaY glrr us about
our shetiag d ialsrsutba shout you sad yae second wUh compsniss or
tLLUtO~ ~ msryd our IamAy d sompenhs
llgrtobt low pct ~ mMsids d our tamBy ~ ocNtp-nhs u~atass ywhY c ~
a other rrrUsdu
dkcbsws or Iarisss tlra llseNwrs leAs node nwtha rceopOsa b the qw !welt
es dahrg inNtrwUos to ptaerse yotx irsnuei~ or in rasporar to s subposrsi.
Ywher~bysgnsda4U dwosrsottoscarciteUwsas/csblroptoatlucribad
bout Pdwcy Poky, yea will bs dsrmsd ro low aotrh~ortt,rd na u short pasarel
inlonnsdoa wa how ebeW you Fndrding inlerasetion rdNsl u srry of 1M products
a pitrCB! YN mry Mss tvgh arty of twr cottrpsaissl with csrrprnlss or odor
orgsnhadons etatofls of su IrmOy of comprnias
ENFORI:IN6 THIS ADIIEIMB~tf amsatwidwut
Uie anddeysntrrala/asst satoros cry d our r~ltu undsttida ogre
an~brnd m la uamtorsoWrhls, rU abor~msia~ rarrsip in full lorcr~ ~srmont
A55101Ogg°aMT
Wy mW ssd/a Ysrr.stxevel, airy rewords you orw ss, a srtY d rwr rigids era-
rites udsrtids s ~ oleotrthr yM~Mt vva scslptt to Vt~psrson ke the
area eourtvtrbss~rrY
60VEMMNBtAW
THETEIUrtYAIAtEN OFTi0SA68EEbik7i'IANDYOURACCOUDRSWU.i.
OEftOYEJi~P~ INA+.COiiDA•::E:Y^lii'L•DCiW.4A41`:N.'D,TD
THE EXTEMt STATE LAW Apt'LIES, THE lAW Of ~yyAAE, WITHOUT ir~6AR0
TO CDNR.ICT-0FtAW ppl}ICIPLES. THE tAW OF D1:UlWARE, WNEt~ WE AND
YOUH ACCOUNTAOE LOCATED. Witt APPLY ND MATTEL{ WHERE YOU LIyE 0H USE
THEACCOBtfC
FDR 1NFOR/gAT10N
Plosw uU Ihs Cudaaarba Savlca tsirphane numtra on yonr card a bglbg
ststsetsnt 0 yor hour t•h gNSdons shout your sccouat a tide rgreenwnt
TOilp BU.LDIO iUGHTs
Ksap Thfs NsMas For Fularr Use
Ndsr ~ kbe ~;~imlwtlrA hrtormstioa rboul your righs and om rosponsibdiiirs
NotRy Ue b Cow D! Erras Or Onesdoac Abwt Yore Bill
II ysr brisk ysuf bpi k >won/• a Uyou mad rwrs b{erlnetiea abwrl s irsrasction
an ywriti~ tsrAr w m s:. urn abut n tM Cwdnwmbsr Sarvks sddrrsc shown
onyour bil+r/ ssrtrmset Writs u ue ss~ st bOlp~bwedcd firs m oriroprobNm
no ptrr dwe g0 irys shu sw cant You
• ppxtr-d tiva :ea lelepilor.! u., btR Joiny ac vr/' not w esar+u your rights
In yrae Irtu4 gh's us der tabv+faY hrtormatioa:
• Your arars rnd setroulrt another
Tba dothrr amstntt d Ihr sus end acre
DucrU~r ~ rtror and U You can, why you belbvs then ie en error Ir you
nowt awn lalonmdon, dsseriba ~ ndt end 61p ruttorariksllY rom your swings
Itytwheva esUraksdreupeyyo
or ehoekin0 st:eotad, yN ear srop the peytnnd on errY amount yon thhdt rs wrong
To slop do psYawM Yew H1tor awst roseh os rt heel tMos businrss Jaye 6oiao
rho stile psYmsetk scheduled to occur.
Yoa itigWs Aad Our OnpowibUlNu Ahcr Wr Ile calve Yrnr Wrtnr. Nrtice
ra pct a nl C
1hsn~Wldtla lO~n ~~vr, oiucitNthoMi caro~C~tl i orro ar rptsin vAry we b.Dwo the b~
war eonect
Ater we rewire yore latter, we etutnot try 1o eaNert way rmoeM Y~ 9uesUo0.~ g
you sa do6ngtrrrn Wo eon eottllnee nr u ~ low agaMst Yw QMsa d~it ~o You ds
tiaraca chrrpas, and wa cat spp1Y Y ~
net hsw u pW anY 9d apOaM whDr wa W' ttnrrslipotlrtg, bet Yaa en sW
obppated to Pry the party elyo~~ htM flat era na is quttstioa IMtoaea eharprs
Il rw find drat we trwda a talstaka oa ypK brt,yourrip trot haw u pay any
ralsted to way yeostittard aatea-t N we doo't wake a adstako, Ya maY hew to pay
fmaaaa charprs, sad you tviN Nava to make aP ray tuhwd payntsats oa the gwstiorted
amount in ether cars, wrwiN srttd you s stataanta of the antouM you awe wad Iha dau
that it k dtn wa mry raper yov es dain9ueat
N you IaN la pay the atattaat that wa thialt You orve, wNltht
tiothwa. S ow expttu»dea Toes aol cali:tYyw and Y~ wrho to es tD drys Irlfmp
na that you s11A retusa u iN14'n mtut 1r1 attYane wa report you to that you Nava s
Wa aunt uM anyone vw capon you tie ~t t tlt~mNtar M b n a~lU%a brtw .a es r~vhea
it imeNy b
ii wr don't IoNow thaw rules, wa esa'tcdlettlho frcsl S50 DO of tM quasllomd amount,
even It ytrnr b>0 was utxroct.
Spsatsl Pules for Crad>t Card Forc6acsc yr services that You purchased whit a
It you Mw a preblorti whh tiu gdaDty of propartY _
crotfR cud, sad you hwa niad m D~ ranainiw0 d °DOt °p'M °t r'~eas
yen m Mw Uta ciphl aatu Pay
This right dap trot apply N shark aansscdons Tttua an tws Qrdudons ee this right:
(e) Yoe tausl baw wade Iha Pwahaca a yore btra suu or, d not wiUtht Your hoa+e stela.
within iDB edits ar yonr wtnat alaiGnp adtlres~ wad
(hY'(pa purchase price peat hwa ban amore 1Ma S58DD.
d r~ amen t~l+~ pra~Na ova aparNe thr tnerrhant, or i(we medadyou the
Copyrrgnt tt Jpt~Aorpaa Chace & Co aD rights roserved
Psyo ~ e:: ~ ~.a:,t:C .
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 PA. C.S.
4904 relating to unsworn falsifications to authorities, that she is Angela S.
Szlezak, Manager of Chase Bank, USA, N.A.., plaintiff herein, that she 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 her knowledge,
information and belief.
(Signature)
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SHERIFF'S RETURN - REGULAR
CASE NO: 2007-05416 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CHASE BANK USA NA
VS
BRUBAKER TERRY W
MICHAEL BARRICK
Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
BRUBAKER TERRY W
DEFENDANT
at 220 RENO STREET
NEW CUMBERLAND, PA 17070
the
at 1815:00 HOURS, on the 18th day of September, 2007
TERRY BRUBAKER
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
Service
Affidavit
Surcharge
gl~~~~~~
18.00
16.32
.00
10.00
.00
/ 44.32
Sworn and Subscibed t~o
before me this
day
So Answers:
.~
R. Thomas Kline
09/19/2007
WELTMAN WEINBERG REIS
By:
Deputy S eriff
of A.D.
1N THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
No. 07-5416- CIVIL TERM
vs. PRAF.CIPF. "T'O SF:TTLF.. DISC(~NTINI!E
ANI) END w'ITl1 PRI~:JUUIC'E
TERRY W BRUBAKER
Defendants
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
TH[S PARTY:
JAMES C WARMBRODT, ESQUIRE
PA I.D #42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412)434-7955
W W R#06122 890
r
IN THE COURT OF COMMON PLEAS CUMBERLAND COUN"fY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No. 07-5416- CIVIL TERM
TERRY W BRUBAKER
Defendants
PRA.ECIPE TO SETTLE DISCONTINUE AND END WITH PREDJUDICE
TO TH E PROTHONOTARY OF COUNTY:
Please kindly Settle Discontinue the above captioned matter upon the records ol'the Court with prejudice
and mark the cost paid.
WELTMAN, WEINBERG &REIS CO., L.P.A.
By:
JAMES C WA
PA LD #4252
WELTMAN WE
2718 Kopp rs Bu
Sworn to and subs r• ~b~d
Befoi°e me t11e !`~~~
D• 'November, 2007
NOTAR UB
DT, ESQUIRE
BERG &REIS CO., L.P.A.
ing
436 Seve th Av ue
Pittsbur h, PA 5219
(412) 34-79
W W #O61 2890
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I~1~Giidy L Cas~!t, ~:'v'::~J r'at' . ~ ~
MyCom~:.~ion Expir~~„~iy 15,2010
Nbu~ber, Pe~u~sylvanis,~a,,,,~,,,,,un of P~G:a~`i~3
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