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07-5914
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff No: 0q- %4 el Farm vs. COMPLAINT IN CIVIL ACTION DUSTIN L HUNTER 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 06177964 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 DUSTIN L HUNTER 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: DUSTIN L HUNTER 478 STONEHOUSE RD CARLISLE, PA 17015 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number 5149226140065550 . 4. Defendant made use of said credit card and has a current balance due of $6808.86 . 5. Defendant is in default of the terms of the Cardholder Agreement having not made monthly payments to Plaintiff thereby rendering the entire balance immediately due and payable. 6. Plaintiff avers that the Cardholder Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 7. Plaintiff avers that such attorneys' fees will amount to $1000.00 8. 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 against Defendant , DUSTIN L HUNTER , INDIVIDUALLY , the amount of $6808.86 with continuing interest thereon at the statutory rate of 6.000% per annum from the date of judgment, plus attorneys feeg of $1000.00 and costs. James armbrodt,42524 WELT INBERG & REIS CO., L.P.A. 436 S vent Avenue, Suite 2718 06177964 C J Pit SJS Pitt burg , PA 15219 (412 434 7955 FAX 412 338-7130 This law firm is a debt collector atterfpti6g to collect this debt for our client and any information obtaine ll be used for that purpose. Page 1 of 2 Statement for account number: 5149 2261 4006 5550 New Balance Payment Due Date Past Due Amount Minimum Payment 56,808.86 07/09/07 $786.78 $1,872.64 Make your check ck payable to Chase Card Services. Amount Enclosed New address payable Print on back. 514922614D06555000187264006808860000001 41241 6EX Z 15507 D DUSTIN L HUNTER 478 STONEHOUSE RD CARLISLE PA 17015-9448 CHASE O CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 198865153 96 L400655 SO 9,11 1:5000 L60 2131: 9 9 ¢ losing -'a: 05 15/07 CUSTOMER SERVICE b ue men CHASE nY ? $09(07 In U 1-800-945 2000 t Due: M mu P ay TOO 1-800955-8080 Pay by phone 1-800436-7958 Outside U.S. call collect 1-302-594-8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5149 2251 4 06 5550 N UIRIES Previous Balance $6,599.43 Total Credit Une 5298 $6000 P O Bo Purchases, Cash, Debits +$39.00 Available Credit $0 Wilmington, OE 198505298 Finance Charges +$170.43 Cash Amass Line 56,000 New Balance $6,808.86 Available for Cash $0 PAYMENT ADDRESS P O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.conalcreditcards The charge privileges on your credit card account have been revoked. You no longer have the ability to use your credit card account for purchases. We can help you gel back on track. Call 1-800-9558030 (collect 1-302-594-8200) today. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 06108 LATE FEE 53900 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Pumhaass V .08217% 29.99% $5,592.95 $142.47 $0.00 $0.00 $142.47 Cash advances V .08217°/ 29.99% $1,097.30 $27.96 50.00 $0.00 $27.96 Total finance charges $17043 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. . The Corresponding APR is the rate of interest you p}y when you carry a balance on any transaction category The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement I$ a Facsimile - Not an original X0000D01 FIS33335 D 10 000 N Z 14 07,04'14 Peg. 1 d 1 05889 MAMA 41241 18510000100004124101 HiBIT https-.//instantimage.bqnkone.net/Star/jsp/PrintC)irectly.jsp 8/2/2007 EXHIBIT C;?__ CMA1257S Cerdinember Agreement AGCEPfANGE OFTIUS AGREEMENT o on his card carrier This ¢great0en, gnvarw your credit card ecco unt. VAo outltyscovarvdlry his ag pmn nt to pe cantutn,1ng the card (°r this account AnY usea. Y° PlaesA reed the Dntira ogreement end keep d for your re?ords you anlhor¢a us e to charges eSwa?n BnUr UnL Y ICBS Dr 6DHp Q rorois P.r and charge your account lof sR ?? Account, psynsloralitrsnsecti.nsmadolyou logother °ndindivid?olly 15 responsible forpayrag If this is A pill account. 1 Y oralY and of you it Elf arn.aum owed• ovum I the account is used by b ur o bound , by nthis even it enyp .p lor Pteasa sign he book of your uodit card when uses our a count you 11 grnemantrTyea? car WhetheryouUseyouraccourrt rnot. YenwUbebound byand Y ° Y° cancel your acrouptwrUdn 30 day after racrirving your card and Du don't sign YOU you have not used Your « count for any purpose ourimoanaR Throughout this rgreemeeL dra words'we,'oi and'oud';meaovLhapra °k !? appliad the issuer of your c,& card end account Thu words'Y) • Y wbk fm comptying with ibis for the nzcount and ograament,ititludrall ¢nn wa s persons tasPo atom to whom v+a sddrass btiling slalemocts, as w? es strY the p urns[ y.u parsue who unless to bo onb,e on the accouat Tha word cord' means one or man car s P' cr ether access devices, such as account numbers. ths? we have Issued 1o tv obtain cra da under his agreement mil USING YOUR ACCDUNI for pors;OAA only or soft only or Your accmmt is n consignor eccDfee or ays required byllow, w vA8 n°tb° rs? la Unlosswa Ag Una of your account you internet housahold porpuses se,lricar purchased or loosed ttsrr qh nn 1., for membondaa or rmmt?ttss promise to use your account only tar valid lid 111wlui t aclatu i is not vu Aci nsreAd?Y¢ubvri8a-in asponsrbiefor gambling meY be Joe gotinSams trans use Yaw account only for permissible er l siblo p;ytnp !or a Ulmerlion oven d it is not p 1Ypas af'Trm-r1t yourcard to pay for B 6 orsaroirag: . purcbesamyru may un ' Cheeks: We may provide you cash Advance cinch qi1 gonr e[ ass chocko checks WRY to vsayourorcoml?Wesloeraterto them in this g You may use a check to pay for Bonds or sno csu,lheA chockilt ntrnsfer bataDCes to or fDr other uses We aJ1oW But you may Di r rotated companies Only the ,js with us or any this at:eatmt from Other a d n the hack may sign It+a chart Cash advance checks psrsao,Lhasa name isprince we make to you We may i era [[acted as cash advances and balance r atyof checks Drs uyoted e 05 balance alt trenstars except as limed rani a charts as balQnca of ansfAT chucks H suti cilia he terms chocks dtutwe Vol coavm thatwa colt convenience checks and lhalwe Indira ilia you ate oteash sdvaners,rtaYbe treated en cash vdvances andasssssedcashad,raocD rates for and fairs: vanslet b¢lencuslr.rnDiherDccmmtsD,loanlv`Uiother • BnleaceTraastors:youmay OW crsdd carilss> ars oa other landers to this eccvulY, or p?tor balsecQ danstsrswm gut Yvu n y not Irani balencas to Ids account (titan aliser accaun,s vanh as or any e0iss.n a portion of a tequasted hNiance transfa, wilt o=Dad Your of our rotated comp aces a genial belehca vDOSfar up to your evadable rrsdrt Ona, We may P ratan: fie' You[ card to D11l rash from Disuanatic toUer m¢ctinas, or forD19n ii pdmmcns You maY use obtain From ffisranc :dwGons Accepting )he card; or to ch vave arpas •, lers or to choc obfs,tain lotmry currency. mDA9Y orders, wia lro nslers or similar cQS r ?d a tickets. crintgaming=hips,t errQlrackwa9arsDr`t ^yuaaur°bahatg?r blpnth pRymau ,t,gyalsgcar a third prIfsarvrs In meY9 r C9Ym" W this eccotmt a haV. Qn orgibly ChBCiung aCCeilnt with one Di Dal fsJD,ad pvardrett Rdreatin n Y° ur chocking Account virt our related bent to bank. YON As ey rink this acrovm 1° account under, the towns DI this ogreement and rover an.ysrdran oD hat'hacking rag your checking account agreement cotcaennder month, Billing Cycler in ozdoriD manage Your account. vie divide nn° into auacnh periods have e rycl.s`. Each baling cYrta h approzanataly.ne month 1A length For o your accotmt wilt have a biting cycle that ends in U1sf mantft Your isjoi account will billing cycle ending in each calendar month wholner for not there fs a s brll)ng statement [ordtstbtfur9 cY=i0' you Account, that person W+n be an Atrlinsdiad Users Il you Allow someone to use yo fie to brcome An can nUllu ad osec you should (hint carelugybPots d?to BgU°°°ch crituales onsibiGyoutY ?or audtetized user because Y911 are atowin9 tthhs Yod Will ramafn responsible for the use of your arroynt and ea card issued on your of this agronment T11is Include. Your rasp sccuttrst according to Ole term. III charges all you, account made by an such paying rrzad user PUT account ft inn YON mAyrvquust en eddnio°cl rard for DID on the cream epDrtolhat DuEhorize:.. out account l1 mmi 10 lisp do'so,this are,•.rdam, pP ° ecount.t diffelo yon must nouWe mus to ate se the account a dlortiicu° 1 now card of cafdswdh abet y""glyus, Y close from thar And dust,, t Authorize YusAny er cards the=s or en ccount number. You h Auld also recoyL means ut access to your Cradd Paw. Your credd6ne appasrs on your billing $l lomonts we may also ici er to the show that limit. Your bl ng sl°tam°nl also in" crada fine as a rredd loran or spandyng portion your crndrt ding anlyapardonotyourmoahnamoybnusedforcosha vancescash advno=os,inEiv mg rash advance rhDrls ate chergod Against Irish vfeA ens You Are rospanstbiD for and an other trpnserbons era chorg°d against Y oes and Finance ch11rgee. and keeping creek of your Qcc.unt bolance, including s f rsm aceotmLbetavice is ovary.ur credit muting sure Y aas below your credit fine 11 your one For any teaser - LADY rbarga you an werlimh low as dascrib utad ols a you must We may, bulate lmtroquired to, authorize charges that 90 m-l O vrv Ask You t. paY , sresa[dovir ypvr crada tiro, and you must payy asirnmedort°ly Y Th k agroamant appfias tuany balance over your uedk Fme he cash advance Atpurd;Scrarm YVBmmyincroese,reduca,orcancolyoureradd.Fum, or portiot of your rradat 6011• At any time However, it you have asted us not to do so, wa Will: nsthtcressoyour credtirns Arhangsto your crodkling vmlbut afl°clyour ob6gstion to pay us transaction that You lntoraeGansi 7roasaclioaslnthataYou make outsidte of t!» Ualta'd ins of America FvtA racy, Visa mekelaaforeigncntrancY a You make a transaction In a ferafge guys made in U S doers n Y will e Imernedom?ed or Lry05UTC dota.rd rd {ntorurrernnacylonel [racy mrven the transaction into 5 deters e convetsyon procedures The wcrhange role each entaty aces to convert perrsncy is a rata that it selects either tmm the rai °(vthlch eve cua in the wbolasala currency markets for the aSnort, ie Pr??ag rata nUty [loan raceivasL or the oBy vent, hoar the nu the raspactivs rate Aaleet aararWaited rata in effect on the app6cable proeessmg data The retain effect on the apprrcabfe precassing data may differ from the rate on he date you used yam cord AT Account We reserve the fight to charge you an additional throe porcerd (3y:} of the us dDRaremerruloEanyinl°madonduansccdon whethorthatbwmcnonwasongtn°Dy Priori and made in U-S. 11010113 or Wes made in author tL cal Ga m 1dut dollars by amount Vseoryysst calculated o Dn a the d the u•a0Ymternadonel -rRrd F a Dither ease' Use 7% WE be prvvldodin esirYtbale"flty The same prncess end charges may apply' quifad to, dec6na a lianaIlion trumemic ar as rwars ansoci.ar, We may, but are not 10 R6SuudteArtthorrrB an your accoeet for any, olthetollowiagroasanc • because of 1 sr _,M I In default, • bacarrse Yo • if we suspect fraudulent or unlatvfut ecdw,ty of, • in ?• 3r-s•tmn !ar °ry oif•ar rewnn We are lint responsrbiD fm any losses lie n ? y? -,IDA an your account Is declined any reason, sahur by as or a third pa nY v it account with An F I aiding transactions. we may require that You ragslar ye YOU W rea[et g' If you authoiastimr system that ova select We' ill notify you we went Ya do notreljalewwe may doc5na your online lransacGans Relasaflepsycbacluz-Eschcheckywwtitvisyourrequastforluads WhDnvrDraceive their in thal A charklorP.M..Lwe MAY ,wAowyouraCtO AL to nauapsrdaacflecktorenY eeson the& *.saw but pro not req inchrdarD the 11011IN&II A`nm la anies is he payee on ha chock- We or one aloof ralutod COMP yvofcru&rm or cash advance portion of your creditlin° hasbaea axr ceded, or woof be mWeededif-paid tod he chart lira deackispug e n o pcst-63111 fble k is paid. resulting i<+Another c6e:k being ==ad or not paid, we era not rasp - You heva toad the chock after the dell spacfffed DA IL • you are In delauk or would be if Wv paid the rheck Lost fir S11111511 Cards, Chars OF Accaem Number= U any or card, yon zthink someone used or minion. Ta sir mss W10 ithout YOUr P'missions You oraust ant fy us at once by celong the Oun9 number t err[ D. net cordmisoll r Ssrv ca miaph.ne nuumb or shown on your eatd of billing use your account ahar You nobly s, even if Your card, chscft, eccou and your means to across your ec,umplis found f or la fat urhah or unauhtvrrzAit use related to your ri silt privileges When you notify of 13 ceDUlrt rrT n 1 x. Ira y-Ira::il= ym; Awl by glMe id lmD is ilneark re of then ;9rr a 950DO __. • Such' r no beasrd, bulyou will net ba 6ablQ lot ot more you fiat y of the JOSS, huh or win nvtbs Bello for any surh transactions made affair you unauthmitedan.However, you must Identify, for us the unnulrtichergasIro ich yourer:ervsdoobari cabal vsfrndoulwhotheppuned. We may require youto provide vs inlormelion m writing p We may also require You to comply wish certain Procedures in c°nnaclion with our invrsFgaoon- r?yt PAY6og l payment tnstrocuonr. Your bR6ng stales payments Annaa comiamyi the dataand riime by "is instructions you most loflma lot Milking P Y nddch we 110[['1 receive the payment Yov ° in pay Ia 11gi you owe in U S dotors drawn no Funds en deposit i Al Finanrtai oaswuliret or he U S. branch of A lorulgn financial insliluiun using a Pnaymoramen rhesk,rzomeyordmoreu,omedad°bitil be processed total or honored draY ram bt Inslawknr. Vh vain rest aerapt cash P Ynt restored for up m 15 days Aber we receive your paymonl. Any PaY101111-4 shark or other fA•,n -4 nn i:nant which yo ,ssnd to us I.- Iris lher, Ih=_ i°I I ILA satin aF cUoa of a disputed amount ItonI Similar 13DID60B or that 17111 dition 1 peymar11UL must ba li to us at In CDnduyunel pyntantsaddress6stad on your monthly statement We reserve an am right regarding such payments For example, it h is datar6nad here is no valid dispute or i such eymoa s °Ymsat b any ouch payment u racrfvod at any abet address we may accept the p vv?l oM owe any remammg balance We may ro6a to Accept any P t tmtrming rt 1n you, net caching it or by destroying it. Ali other payments thnt you me should be sent to the regular payment oddre.s shown on your non ea state ?°.f 6rt We reserve the tight to electronically cogect your eligible paym prasunuvainta rd anyreptosentmont bum the bank account on Which tho chackys drawl 0ur raca1Pl of Your Payment choeV is your authorization torus to cogect the amount t the check electronically, o!, H Headed, by a drab dsenad $y the check amount along Pzymsnl chocks Willits reflected olecuaricBRy by i with the thick, fDWII and BruourdWe urgcDivB yourtpat?nDrtt The err gind peymont be debited as earlynsthe some day rid, check will be destroyed and on image wail be maimerne er our records es shown Nfrrrimum Paymorit you agree to pay et least the merrier Po and Ym payment ys due WORD stetamonL era that W. roee)vs it by the date so ,amount you on You your may pill, more dnn the mmimrrm payment dui andl sY pay that is sob' In fini111.1, charges, the ows us at any time. if you have a bOtin finance tbargBsbecause "nonce Charges sooneryoupayus.iltelessyosw P Y accrue -your balance each day balance Igoe Your billing stetemord shows your bapfnning balance or 6 your ondfmg IBSS, ow B fin C:B New Belanc'ant due win be tstatemen ho Now Balannce- f e v i a hrw? bead a lergettoot minimum pm51B 2%0lIha Now Bstenta; Who U11 of i%ofthe Now Balance, the faRswmg: f>a bglb tote and wadimh loos As tots! bBlad periodic tale fo am dueewi ofso add armamsu pass due and oily amount part of the minimum IsaYm Y over your croddllna paydneat ARacntivCYou agrbb that we Bra iuthnrlfvdlta apscels your payments end traders in e way Dates most ss 9f?s sualcroditsiu ti or erot lor us. For axe s with lower APAs (such authsrito us is app Y P Yin as promaflonol APRs) before balances with higher APR Credit Balaueas You may request a refund i a credo 6 lance at any time We may reduce the omovnt of any cradt balance by the amount at new charges or foes filled to your account Automatic Charges: You may authorize a thbon party inn?tgty charges, emrge yaw accourdfotropRottrantac@onsilsrixampl ,m witmn?fncludrnQ andinwrancepram)umist it automatic chargesenstepd reason or waccounl because your account is dosed or suspended 9 9ra btdi p r and piyiug thass charges fornotify nurnbm chenQas, you are rospvnslble p directly It your account number chsnpes• we may, but are nolregr eat to. Pay bt'^ your now arcountriumbs, charges that you catharhed lot be b)tlodto your old account number for yout account n we is, Promatialj From time to rime we may th er special tatms we yvSn nodly you about the terms at the uHar end hdw long They writ be in oflact da, Any promodoa is subject to the to= of thks agreement as modified by the promotional offer FINANCE CHARGES Daily periodic dtc Rates mild Anbv dailsrcg uric roue ire ?yfistod anvthe RRates and Fee {'APRs } ancod the Carter p°ndi is Y P at rho filth Table that)s at the and of this dorrrmanl or provided 'ispatatety To gut the daily periodic rate we dhdde the APR by 365, and in effect always round up pie ce to the right of the deeknml point 'ounlmayvetyvrilh chanpos Variable Rates- -Dneormore APRsthotapply to your at in the Prime Irate When you hove an APR that vado with changer to the Prime Rate, We calculate the APR by adding a margin to the rims Rata pubtisbed in Thv wa6SrrevrJovmoftwobusiness dsy%baturstheGDsi gDate shhoshnIn Y Manny statement The Wine Row' is the highest W-5 I ?time atop ubGshiy Rates secdocof The WaHSiroerJournatit The Wol$ etdoumalstosp the Prime Rate, we Will select a Similar refsrerms role rind inlanm you on your baling statement or through a separate notice A -margin t the percentage we add to the Prime R to to r alculati the APO A 'business day' is onnY?day thatunot a waikerid or fo}?ervlb by. dThe Rates and Fear Toble- ncb variela rote and tiny minimum daily pan dicrrvtt?¢ andvtcurto fists a rvspsndinly APiR for wil Two business days belts fits Gosuig Dste shoran on ybu ^ ilhet prtom Rata to pat two whet the prime Rate Jr. We than is calculated desccribsg above the APR The deify P rl If our cut ulativa results in a change to a deny periodrclreta from the previous billing ralt of IbB first day c because the cycle heat ends in thevicetnist month intwhich we made the day of year bBfmg Y a h' her ninidir calculation If the dallypnriodic rvto increases. yes1 hoed Pay 19 Pt minimunt tinaate charge and may have to pay it if you are is nelauh undo[ this agreement or any any l other Rotas: Your bgroemoni APRs you skh a with us or any of ourralated compents for tiny of r the lollDvft masons: - We do net receive, for any psymont that Is owed lt dine by date nndoti er account or loss with us. at least the minimum pay y due'. - You exceed year credit fins on this account bank - You mike a payment to us that is not honored by yet)r nte and we do n. I sad we otrot:&Wo paym nt . Tothe taausRcvrmde'l,loo outsanding at utter irnmadte pym your virihit- he time we specify otional it anyofthese events ocrurs,womvyincreasetheAP sfncluding arryprom (doo APRI on D@ bolantas (excluding overdraft advertent) u) to I )der the imum Dp ardefa tlo rate stated in the Rntos and Foes Table We may u datormine your defauh rata: the length of time your trouts has been opsh, the arislonca,serisutnessand timing at the deloultson y uraccount; Dth rinifi anions olyour account usage and parionnance;Information from your vvdh us or any at our related companies, and Informs on we obtain from consumer thefustvdnyolthebgggtcy ei whirhthedetcult DeeststandvillaPPYtopurchese 71uvo 1. 31 balances from she previous billing cycle Ir which pariodic finance chbrges hove not bass already b)@Dd 1 we decide al la incroase your APR oven though (hero is a In the oll or it we do not ncrease your APB up to the maximum default rata stated n the Relos and Faos i aor to increase Tab rusern event Wairn Y In a diScragontdotermins to chargeRreduced dstuk rates or datoulL stonditd rates for am or selected balances an Youecc umloaee Method (Including Finance MargocetcvlBllon-Two-Cyr @ DROY New PrttchasBS}IorPerrhosos and Average Daily Balancs Method f lmcluding Now Tronsucttrrs} ter other Tronsactioti:„ We calculate periodic finsaca charges separately (ar coach balance essoeiatod with v different category of transactions cash advance ash advancechsCsasdraftadvencas,an etch pmmotiuaThoscash ecalculations c i may combine ddffosrarant categories wish the same deify periodle rates This is how it works We ce(culete the psdodk Finance charges for purchases in two steps, Bs fotiowst • Frsk far Bach day of the billing cycle, we multiply the daily betsrroe by the daily p [at eriodic rate tt cycle we multiply the daily balance • Second, for seek day of the pfo cyle RR the ;time doily periodic rata. However, payment in tuff of the New Balance we do no do Us c step if g do not d this se sew nted s slap if we received on your previous billing statomatd by the dote and time the minhaum payment was to balance dui or li a padudlc finance charge wee already d an thrit s promationsl We calculate the puriodfc finenco charges tar pvrchbFgr subject rate the some way. but we use the promolkinil rate We calculate poiiedic finance charges for balance transfers, balance vnPe?9 checks, eeshadiancas,rush advance chacks,andoverdraft advances mull the daily, bilanrs for Both of those categoriss by the daily petiorlic rate far oath of linked these ca uoI y Yuc pAl have DR a04 per relatad banks. we ulcvtvti the this accountint a chorkin tcklnp c pPdedu finance ehnrtlet lot balance vonslars, balance transfer chocks, ;,ash advances, and cash advance chocks subject to a promotional rate the same way. but we un the promotional rata To got the d*bebnce for oath day lot each citugory. • We take the beginning beleace for that day. bit • We add to diet balance Boy now tronsuctions, add a leas, new other ch chchaef ceses, advanced d cle , adjustments that apply to that category.We balance ttwLdwor ovotdraft advance, it appReabla tot o doily balance or of the tro=cLaa dale, or it (elr dote of our choice Wo add a now cash advanca check or balance transfer rhacR to the daily balance as of the date the rash advance check at Irebnce trarfsir cbark is deposited by a Peyton, at a istar data of our rbmta We subtract tram that balance any payments, credits, or credit edjasunants that • appiyta drat category and that are credited is of that day. • We tract a crodh Itafenro as a balance of zero To got the beginning balance for each cologory for the next day, the add the daily t mays than one dally, rate periodic finance char os to the doily the balance rala for 1the rmagary may vary bored on the am u O t Dt to a categ ry because amount s[ as average dirty balance, wa rrRf use the daily periodic rrpeathat ltulete the for the everags deny balance amount of the end of the boiling cycle daily periodic finance thorge each day This agreement provides for daily compounding of finence charges To Vat the WUd podudit [manta chorgs lot the billing cycle, we add aft of the daily panodrc finance charges for each category for such dey during that billing cycle, plus the dskpvdcdlc trance charges on purchoses, R any apply, for tho previous l R it eg cyc b i peRediofnancceCh arge Hal d In the Rotes and Fees Tables periodic least the e ndnbarm is netassaty to add on sdddlsnsl amount to reach the nntmum fiaanra charge, we odd that ainoaotlo the toolbars for purchasec made during the billing cycle The total finance charpa on your account for a billing cytto will be that sum of the periodrc finance charges plus any transaction too finance ehnrilm For isch magusywe calculate an overage de lybolencs (including nuvitransartions) (or the biliall cycle by adding sit yaw daily balances and dividing that amount by the number of dsys In the frilling cycle 11 a periodic finence charge for purchases made during the prevmus billing cycle aspgss, the average daily balance lor those purchases fs calculated the same way 1 you muhipty the average daily balance for a eatagorybYltreteategory $ deny periodic rata, and multiply the result by the number of days In the blifatg cycle, the total will equal the e lot piewditiri once cha gee for thIt to roun6ing balance atin'butabls to that billing Cycle, e xcept icfieentscharges on a transaction, let, or fmanco chorge from the data It is added to your daily balance unvl paymvmin fuli Is rarel ad an your account However. we dlo noo charge poymim fanatics charges an new purchases billad during a billing cycle s; yam' Naw Balance by the Jets and 7•ns yuur minimum puymwm is due and we mcaWDd payment of your New Balance on your Previous billing shtemont by the date and limb ybw psymerd was doe.Thls vxcepuan ot'gracs period' applies only to purchases and does not apply to balance transfer, balance transfer checks, cosh advances, cash advenee checks at ovardreft advances, it appGcabte Trupsoclin Foes for Cash Advances We may charge you a cash advance [be in the anmutrtstatod in the Rates end Facts Table for each of the following V onsoctions: CIA advance checks; cosh advances In addition it you use o third party service to make a payment on your bahafr and the service charges the paymanl to his account we may charge a transaction [Be for the payment data charges; the cash edvon - f Folrsexempbalance Witte ts, a transaction it's These Irsns UTeftranare finance category as pl 'for a cash advance would be added to your cash Dios re a ante ance the amount stated in Balant s ornd Fa s binnfor each, of the 1DROV ing trsnSur" e in Transaction Font for • balance transfer thetkr, rtho related • balantetranslars• It b Those tram IS-Df act3lohlt lops are ilinsit on dale of lfesbatanndtra slot FDraoxalmpls,la tron;oruon tfory too for a balance uaaslsrwould be added to your bell to rooster balance WHEII FEES AND CHARGES I We my charge the lapwing leas The amounts of theqa leas are fisted in the Rates and Feuc Table These leaswill bat added to the balance for uiorthoses made during the billing cycle. has an no 1 membership tae, it will be 6iffed Annual Membership Fete U your account whether or oacb year or in rnomhfylnstalbaan(jig tBBled' k vvli nlbgloddThFogg e annual memba ship Yo g Pay is not you use your account and e a nee the lo annual your account membership to p foe is 101 it non{elundable utdsss you RDtify us that you wls h to close days of the date we sag your Wiling sietelnsnt n wh! charged and etthe same lime, you gyve ar autstondm balance In lug your payment of tneInbetshlp fee doss not aNect our tipht close your accoumnor Omin your the right to ennsol make irensaetioms an your account If your sc?eutrrd is dofb?u onding balance will continue to charge the annual mvmberchip tae LmU1 ou pay 1su in full and tormimels your scrounl rBlstfonship this Lnua Fox If we do not rocoivs :t kaest lhmant lm an bilif p cpy le, wabreay charge the time it Is due as shown on your billing SW tots lea Flown In the Rates and Foss Table 11 the la a too It based on o balance, we cutr•rlatu he 13-j lag using the prevtovs Balenre oat a current months statement thnt some 11; ?a is the some 11; ligliml did of ractilyl 01 the he relquired minimum peym nl ,how, e lots Igo onth-a statement Iw which we m by that dole slid time it was duo, avartimh Foe: H par scrou tl alance is over your cr tit line at any time charge a this cycle, avon it only for s day, we rosy charge an aver Rork loo we may charge is heat credit or pnlreasec8nnni +r lsu d W wiUna bricamal ll not chargeim lit lance than oat ovaOr 10 rlimb [ao farsny billing sYde Ern We msY charge an avsdmtU lea in su saquont blifmg cydos oven if no nary transactions ere meta on your account. a your its hmi bolsnta stal'a over your credit Tma at any time during the subsequent billing Return Psymonl Foe: U in) your payment chock or ' gar Instrument W not konored, Ib) on payment chock because d Istnot signed orlta nol;be prrooco sod- we matey chrgera elpt Pame is row Rod return payment lee. Return Cbstk Foe: it (a) we stop payment on a cash s vante cheek or balance transfer check at your raquesl, or 1b) we refuse is pay a cash Othrenca check or balance transfer check we may charge a return check fee or more hitting ;ordstorany spot al servh estllor Adm tit your Fesx 11 you request w to of a record rd your account or a You request ozempla, obtaining aside on en expedited be sks), we ay cherp;e you for these services However, wit vvl W ohargo you for copies of baling tatemenis, sales drafts or similar documents that you requectlr a baling dispute you me assan against us under applicable lave We pray rhsrgo, tar any services rated above a d omor s irvices we provide, the togs from lime to lime in shack when we offer the so 'c. DEFAULTJC,DLLECTrON We may tartsWar you to bat In idols ell If any al these gccur. • We do not receive at least Ills minimum amount dos by he out, and time due as shown an yoar baling sletemamt • You excooIf your credit fine. • You lea to comply with the terms of this egreemeat!or rryaoreemenl with one of out related companies • We obtain information IIIDt tangos vs Io baLaVS tha1.Y0U may os unrolling or unable to pay your debtsto us or to others anions You X Ier bankruptcy • You become incepecitsted Orin the event olyw r d o , if we d quire you yt or ncrour uns be In doloult. wt b lance m t dialilsWe airs may roquiro yours pay B Bttd raquira e pay unpaid iruterasl at the refs of f h" psrcetA f2Y.l o mordh an t a unpaid balance when we deem your account to be stir or more bilfmg cycles past duel. To he extent permitted bylaw it you are In default betauso you have flied to pay us, yon vtiN By our collection Costs, aaonoys' Jets to casts. and all other expenses of enlorcinp our rights under:hRs atneamont CLDSInG YOUR ACtouNT You may close your account of any time 11 you Call ?is to dose your account we may require that you confirm your request in writing notice ectime or suspend Y or opl as required I y appgnblenle w. iI we cima your arty reason without BUDDUat 01, x account. we wig not be ifabfe to you for any cnsoqu11t s resulting from closing your account or responding your credit privileges It you sr wo close your account you and any Battle ' d arms must lmmodiately stop using your account and destroy ag tords, chocks or o arsons to actsss your acrvunt or ralurn them to us upsh request You will continue Ia be rasponxte lm charges to your B=DUnt. even if they are made or processed eher ar account 1; closed and you vri8 be required 1a pay the aatstnndarg balance on your ercount standing to the terms of this outstanding agreement immsdititoly or at BOY (time after your a taunt is cuire losedv to Pay the outstanding balance AR6ITRMUN AGREEMENT PLEASE READ THIS AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE RESDLVEo BY BINDING ARBITRATION ARBITRATIDN REPLACES THE RISK TO GO TO CDUR't YOU Will NOT BE ABLE TD BRING A CLASS ACTION OR OTHER REPRESENTATIVE ACTION IN COURT SUCH AS THAT IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION, NOR WILL YOU BE ABLE TO BRING ANY CLAIM IN ARBiTRA ON AS A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. YOU WILL NOT BE ABLETO BE PART OF ANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION BROUGHT BY ANYONE ELSE, Dfl BE REPRESENTED IN A CLASS ACTIDN OR OTHER REPRESENTATIVE AMON. IN THE ABSENCE OF THIS ARBITRATION AGREEMEK YOU AND WE MAY OTHERWISE HAVE hAD A RIGHT DR DPPORTURM-TO BRING CLAIMS IN A COURL BEFORE AJUDGEORJURY,ANDJDRTO PARTICIPATE DR BE MPRE5ENTED 114 A CASE IUD IN COURT BY OTHERS IINCLLIDiNG CLASS ACTIONS AND OTHER RE PRES04TATIVE ACTIONS]. OTHER RIGHTS THAT YOU WOULD HAVE tF YOU WENT TD A CVUKL SUCH AS DISCOVERY DR THE RIGHT TO APPEAL THE DECISION MAY BE MORELIMIiED EKCEPfASOTHERWISEPRDVIDED BE.OV4THDSERIGHTS AREWANED Binding Arblimiios,This Arbitraton Agrsasant is made pursuaritto a transaction involving interstate camptarca, and shall be governed by and be anirxceBble under the Federal Arbftredoa Actfibs `FAA'I,9US C. it-16 ash may be amonded This ArbilrationAgresmant sets forth the ctrrtmnstoneer and procedures onderwhich claims for defined belummay bat has otvad bq erWtratmn instead ud bnfng Tnlgetad hi court ParllasCrrvarad.ForlhB"sesoithisArbhmOunAgreament-we;'us;snd'our also includes vtupereM. substdhenes, afiAietes, Iicertsaes, predseessars, successors, assigns, any purchaser of yoar Actoui end aUaf their DJfiCtim, directors, employses, agents, and assigns or tiny and all of them Addilisnallf,'ws ;'us end'our shall mclude may third party prwlding bonards, services, or products in cortnactfhau with the Account fhncluding but not limited to cradm burnous, merchants that accept any tradk duviro issued under the Acceumj, rewards programs and enrollment rsivis^.:, trodit insurance ramfirriles, debLcoOactars, and all of theiraflttots, directors, employees, agents and ropmentutives) it and onlyll, such a third party )r named by you as a co-dalendeat In any Clalmyou assort against us Claims CUVBIBd Either You or we may, Without The other's consent, elect mandatory, binding arbitratin of any ticks, dispute or conuavarsy by either you or as against the afar, or aganastfe employees, parents, subsidlariet, s Prater, bangRciaries, agents or assigns of the otbuS adsmg from or relating in•any way to the Cardmomber Agreement anypriorCrdmembrAgroamentyorr credit cord Account or the edvrtising,sppStation or spliml i d your Account rMoW)•This Arbitration Agreement gmvanis all Claims, whether Stich Claims are based on law, staluto, contract regulation, ordmsnce, ton, common lave, constitutional provision. or any legal theory of low suck as respondent supoliut or rpyshr legal r equitable ground and whether such Claims snakes rowifies money datnolifes, penalties, Injunctions, or decloraltny or agtihbb regal. Claims subject to this ArbllydariAgrssmntindude Claims regarding the applicability of ihisArbitrBlilan idmombar Agraamunt "a vaTs ftf ul the entire CerdmemberAgremountor any prior or also In in this includes Arbitrstion Agreement the term L? In Claim is to Agreement the the p osi The the Intent. As Agreement peasant be given the broadest possible meaning Claimsrubies!toarbitrationInclude Claims that oremotto orcoutilw lairns,crossclaims, third party cloims, intatpleaders or otherwise, and a party who b0olos a proceeding In court may elect arbitration with rasptict to any such Claims advanced in the lowsvh by tiny party or parties. retain the right to pursue in a small As an exceptfn W this Arbitration Agreement You g claims coup say Claim Ihatis within that courts jurisdiction and proceeds n an Wivildual basis If a pang efectsto arbitrate a Claim, the arbitration will be conducted as an individual action.NGI&cr yet: Aar we agree to any srbitratin oat a :Jess ur taptewwb*; basis, and thtr lld&vw sbal hove nD authority W proceed on such basir.This maere the[ even a a days action lawso)t or other reprss eatetrva octisit, suth as that fe the foray of a ,private attorney general sction,ls Mod, any Claim betweonus related to the issues raised in such lawsuits wig be subject to on Individual arbltretioa dole t either yon tir we so oloct No arbitntion will be consolidated with any sitter orbbrodon pretending without the tonserd of e8 parties- The only Claims that may bat joined In an individual action under this Arbitration Agreement are(l)those bDugAceusagainst yhisonycotnrplica t, joint corilmomber, or authorized user of and any joint corth timbar, or bankruptcy eptry dose e brought by you y cous euthorlted user 171 Ill ser of yhiurActouhrl, or your hews or your vvi in bsnlutrpicy against initiation of Arbitration The patty filing a Claim in arbitration must choose one of the following bum arbitration edndnfs d"a American Arbitration ASSOtiatiorg Of National Arbitration Forme.Thasa administrators are independent from us The a dmWsuslsr does not conduct the arbitration Arbitration Is conducted under the ruins of the selected aTberadDn administratorbl' an impartial third party chosen in accordance with the rules of the selected orlibrotioa administrator and as may be provided in this Arbitration Agteamant Any arbbrodon hearing that you attend shBQ be hold at a place r5s;an by the orbitrstur or arbipattan edmair:irstor within the iederal judicial ifiwwl In vinich you reside A the time the Claim Is filed, or at sums other place to which you and we agree in writing You may obtain Copies of the current rules of such of the two arbitration administrators, information about arbitration and arbitration fees, and instructions far initialing orbltration by contatlfng the arbitration administrators as follows: American Arbitration Aasotiation, 335 Madison Avenue, Fluor 10, Novi York, 14Y ID01746M Web site: wwwadr erg. BDD-778.7874; at Notions$ Arbitrative Forum, P.D. Box 50191. Minnoapvhs, IAN 55405, Web sits: wow rbitration-larum cam, BUD-474.2371 Praredures and low, applicable in arbitration. A single, neutral arbitrator ivJB resolve Clahns.Tha arblaatorwal eithorbo a lawyorwih of Inortton years exporiante or a retired or former judge The arbitration WIN be conducted Undgr)he applicable procedures of the arbitration edmnntsUamr that ore in title ton the date the arbiIrettan and is in ruled ues nless those procedures and rules are into0 -weK with the lion Agrsornor in which rase this Agroemanl wGl prevai hose procedures and roles may limit the amount of diSrDu°ry available 10 you sf s The arbitrator '11 statutes applicable substantive law consistent with the FJahn A !d awpGYoucabla may et Lutes to Gmitativns, and will honor claims of piRpye recog have a hearing and be represented by counsel Thfor will take reasonable steps t° prefect customer Account information ancon idamtal infarmetion, ObN i requ g fie use by Vool' o a os The arbitrafor wthe plower to awaard to a if 1 requested to do s tin by y party any damages or other relies provided lot unlicable low. a?m?o ot hief to, ve the p fits pioeeodmy tf rho ns; hortzraenolit of relief. the Person may low aw nr4 ard patty award punitive damages or attorney tarts The erb'tr tar wig make any award in a party U nt of the pon p rbut e nosh not provide via pov dooesbrief statement Upon ° request by you or us, the abii reusons for the award . ams. We will rarbn?saeipn r the pa LAddl tonally, R thorn is a he ring, C amount of M up M of proof of psYmon ws will pay any teas of the arbitrator and erbllretioe a pdeetralwts for t?ha? ?,as days of allot hearing. Tfrs payment of any such hearing foes by r silo! to the PUT Arbitration to the a ?L AN ?Brreas WIN be allocated in keeping with the rules of Ag e will advance or rho arbitration administrator and applicable taw H var. we tor rsimbumv filing foes and other leas if the sibitiodD so administrator y u ask arbitdpwo determinas there is good reason for requiring us to i o datorrums [hero is goad cause for doing so Each part volt bear the expense of the tees Dad costs of that party's ottomeys.xporthar witnesses, documents and any as d other expenses, regardless of which party prevails, h any PP and costs 1 ore ante har pera a cept at the ll rty should recover shall a P detenxini tmirimQ Pa nY or aG oas part delay n enforcing this Arbcrntion Enforcement Reality, appeals Failure o any W Agreement at anytime, Orin connection with tiny Panic ar Cloims,wilr as canstituto ou grin sr n ? 1 and to waiver of any rights to inquire abitration at a later tL no other Claims Any dackion tendered in such srbluago proceeding ho eedig ill befna and binding Du tits parties, unless a party appaets M umhmg vvithin 30 days of Issuance of the ew The appeal ist d request lsame arbluo0mp bofora a penal of two neutral erb'drators destg organhabon.Tbapanelwill reconsiderON factual and opal Issue dm ko dfollow acisfone same rules that apply lip a pretending using a single a bRrstor, based an the vote o the majority Each party will bar their Own tees, costs and orparrisas; for any appasL but s earn mDY recover any all less, cmts and expanses . APT from another Icobla from perly.if the m unity of the pond of a iV;torc, applying a laws, so deterralmas An awai in arbitration will be on oreeable as prwtdod by the FAA or other applicable low by any cDurt having Julian Iction Saverebility, sdrvlvaLThis Arbitration Agreement sit K survive: r4 termination or changutinthe CerdmsmbarAgraamom.the Account ndtherefpdoashfpbownon you and its coneortring the Aceoual such as the Issti g Of a now account number the or the uansfrrrkrp of the aaianca In the Account o anther or want bohole, bankruptcy of anypotyleranySimilar pretendingls led by youoronrturlubhe ally of and IN payment of the debt in lull by you or by party portions Arbitratioa Agreement is doomed Invalid of unanlDre able, the remaining p shall nwardteless remain is forco CHANGES TO THIS AGREEMENT We tan change this agreement st any iune, rogardl tint of Wfinthe Orr right l w-e5s to your accoual, by adding, deleting, or modifying ,, provision delete, Or modify provisions includes financial terms, such as the APRs and lees, and ather tam such as the nature, extent, end an arcompnt of the rights and obligations yDu yr we moy heva relating to this agrusm rut ModioceGnns, additions, or deletions are colod'Changai or a 'Chongo' We will to* you of any change U required byepplicalble low These Changes may be slfecliva with notice vrk at the time slated in our notice, in aumdence with appfrrable levy Unless we state otherwise, say Change will apply to the unpaid balance; ills your account and w now Iransoclians Change, and The nstive WIN describe any rights you may hays wit resPoct to say mple llyw rivilto the rontatfunoca; m ss, Pool on in writing W these, If d sale lr you do net want to may tp th"I hat you may h us g accept pt esriom Change; we are making 11 yon notify In lvrtonp that you do not acoapttheChanges.Youreesoan1MDYboclosed (fiit. not already lu ednasndl you will be obligated to peyyour aulstending balame unit i the applicable the a graement U yov do nat notify us in writing by the date stated in the noilca. or it yav notriy cat anthem use your account ran the date go rdinthe ntpdtv- you will be o Dad to accept a d confirm all t nn; c •, u: eraser nfi rtQ your agreement and all ll Changes In prior notistis we ve sent you regardless of whether you have stress to your account CREDiTULFDRMATtDN obtaining inlDrmaGoalromcredit We maypariodeafiyrevrewyDur credit historyby burnous and others We mayreportiolormaGanabout you and your occou tlocreditburepveccal d for your f sitars to pay us n on itMomation in yo?r pnsr ti asrwell as your Pumas of you reuest others, ova may rte rep I those other People if you think we bun reported inaccurate information to D credit bureau, you may write to us at the Cardm°mbdress, account number, telephone umber and brill description tof IyawtriI availsof the credit bureau rpoin of ll, ls problem W° will prump4 inv ssttig e tt he matter and, if our investigation contact each credit bureau to which we reported shoright, we e vnT vng l co 9 shows in that t you You are r the WormaGan and will request they correct the report it we disegrue whhyou attar We will also the our it bureau that. we will tall YDtuhe°ormetion unless yhvno ou 1°t i s know tit at ytyoou no cte rt ? eInfarmattstioe longer er d disp nsptna the NOTICEWCHOCE DF PERSONAL INFORMATION Wo w{Asvad cards, billing sta!°m°ats and other notices to you at the address shown In our lfias OG i this Ls s jaitd sccoun4 we con sand billing statements and notices to any joint account holder. Notice to ens of yon will ba consid°rad notice to all of you and all of you will remain obligated on the account If you chango your name, address, or home, cellular or businass tolephone number Dr amad address (d ou alact W receive billing statements or other troVsas online), you must notify as Itnmadlately In writing at the address ahown on your billing statamamt. We may, at our option, accept malting address corrections tram the Untied Status PDSWI Sarvtca We may contact you about your account including Ian customer service or collection, at any u oddraso or telephone number as well °s any cellular tolopbona number you provide us. TELEPHONE MONITORING ANDRECORD INS We, and grey that e, out age" may lour agents, your With so, whether youlD we us. You spree [hot t too, rid it applicable. may do initiate the telephone call INFORMATION SHARING You authorize us to shore ransln intormatton about you and your acrnUntwithFn our famGy of compudes, end with others outside our fomRy of comparoas Including any companyor orgentttienwhose name armark may appear an taw cards, as pomittod by lsw, our Pititracy Policy, vA,i:h Is prutidsd i., yon whaa you first rec?'rvs an adon agraurnmdandatlaasloacastick calendarysarthereshor,describes oum nacmanon give sharing practices end the choices you hove and directions you my our sharing of information abut You end your account with companes or orgunizodonswithln and outside of nor family of companies I111NDIS CARDMEMBERS I1W r lour provides that We may not Shure tslotmation about you wtib companies or etirpt otgana9tions outside lour family of companlor unless you outhonee the discloom or unless the disclosure lolls under another exception In the low Lse ch a You s sharing hereby rain R you choose not to axercho the it ppliccWe apt out escribed in oth nor proedta4 Y in privacy PoTiry, You ova be deemed to have suthorimd us to Shan personal information wehave about you Gnciuding infor mation totaled to any of the products or services you may have with tiny at out companies) with companies or other orQamztions otrtsida of Our la1PHY 01 comptinf os ENFDRCING Tilts AGREEMENT Via con datay onfarciug or not enforce any of our rights under this sgreamontwithovt n agreement losing our right to enforce them in the are found to be unenforceable, all othert s ms l will any of the turms; of in full force ASSIGNMENT We may assign your 11ccoun4 any amounts You Owe as, or any of our rights and ebfigodens tinder thls agreamont to a third party. The person to whom we make the est{gnmantwN be amlOod to any of our rights that we assign to that person GOVERNING LAW THETHWAND i NFORCEMENT DFTHIS AGREEMENT AND YOURACCDUNT SHALL DEGDVEFJLcDAXD INTEP,PRETEC IN A:CORDA!!CE :1"TII IEDERAL LArlr A,.O,TD THE EXIM STATE LAW FLAW PRINCIPLES. THE tAW DP DELAWARE, WHERE REGARD D CO -D AND YOtRI ACCOUNT ARE LDCATED, WILL APPLY NO MATTER WHERE YOU LIVE OR USE THEACCDUNE FOR INFORMATION Plante rag the Cardmomber Service telephone number on your card or bitting statement 8 you have airy questions about your account or this agreement YOUR BRLING RIGHTS Kopp ibis Not)" For Future Use This Police contains important inlormBtian ob out your rights a nd out responsibBitios under the Feb Credit Ryfing Art 14o911 Us to tarn DL Errors Or n ueslfons About Your Bill 11 you think your bill Is Wrong, or it you need more information about B UantartiDn on yoarbA wthe us op a separate shout in the Cordmombor Service address shown on your bTl mg stetsmont Write to os os soon es possibga We must hour Iron You no later than W days after we coal you the first bill on which the error at problem , apc,rrd .a; c, i telephone u., b_t Join it tic wit' not p, ester vt, your fights In your tatter; give us the following informtiDw. • Your prime and account number • The dollst amount of the suspected error • Describe the vRor and exploln, rf you can, whyyou believe there is on error it you neod more infmmatisn, describe the ltom you are not sure about It you have autheitizsdustopDyyourcredacard eel vo D ntoMyfrom o a wron gs or checking accotm4 you con stop the paym T smsuY tit To stop the payment you letter must reach or st leis[ three buslasts dayc bolore the automatic payment Is scheduled to occur. Your Rights And Our Responmibflifies Aher We Receive Your Wrines Notice F-:z fsanft Wo must acknowledge year letter wilt yo days, untes? wo have corrected the error by then Ydrdtin 9o days. wa must either correct the error of ouplain why we bafiava the ill" tvas correct 13 After we reeeiva your letter, we cannot try to eooott en amount you question, or report Yuji as delinquent We can continue t ubill npaid emovel eg inst yovu questirt i, hicl Youudift do finance charges, and we ran apply any lio not hove to pby any questioned amount while we ar investigating, but you are o obligated to pay the parts of your big that are not in quo an If We find that we me de a mistake on your bill, you will not have to pay any finance rgs related to any questioned amount It we didn't make mistako, you aY have to pay finance charges, and you will have to make up arty mis od payments on the questioned amount In either case, we will send you a statement of t is amount you owe and the data thetitls due you es delinquent If you Ina to pay the amount that we think you own, w may report yo However, it our etplenadon does n musts e? nend e av N rpan you io lbalyayhave i d you to us that you ad refuse to pay, W we r questitra about e must tell anyone we r pon you to that the metf or ho baen settlad batwo at us whon W it finally is If we don't follow these rules, we catetcallott the first 455 go of the questioned amount, avan If your bill was Correct. S 11 potiai Rules for Credit Card Purchhset you have a you With the Of ? Ire problem with th c the merchant, credit card, and nd you have tried in fn good faith P to correct You may Neva the fight notta pay the romafning amount uses the property tN sarvictrs This right does not apply to chock transactions Thoro a a two limitations on this right (a) You must hove mode the purchase in your home sletai or, H not within your home state, vintnn IDD miles of your current mailing addrasr, and fill The purchase price muri have boon more then SSono. These Gmitatlons do not apply ifw we cow or operate the merchant, or if we mailed you the advariisamenl (or the property or service-, - Copyright ©1D96 JPMorgan Chess & Ca AD rights reserved { ?ago I W t 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, Managed of Chase Bank, USA, N.A.., plaintiff herein, that he is duly authorized Illo make this verification and that the facts Y ? set forth in the foregoing Complaint are true and correct to the best of his knowledge, information and belief. .? 00 --C ? a d C`> P.3 CM), cc'`3 ---E E t0 Mj ?it1 to ? V SHERIFF'S RETURN - REGULAR CASE NO: 2007-05914 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CHASE BANK USA NA VS HUNTER DUSTIN L MARK CONKLIN Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon HUNTER DUSTIN L the DEFENDANT , at 1720:00 HOURS, on the 23rd day of October , 2007 at 478 STONEHOUSE ROAD CARLISLE, PA 17015 DUSTIN HUNTER a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff or Deputy Sheriff of by handing to Sheriff's Costs: Docketing Service Affidavit Surcharge 460t, 9-p- 18.00 13.44 .00 10.00 .00 So Answers: ? 41.44 Sworn and Subscibed to before me this day R. Thomas Kline 10/24/2007 WELTMAN WEINBERG REIS By: Deputy e ff of A. D. w r ti IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. DUSTIN L HUNTER Defendant No. 07-5914-CIVIL TERM PRAECIPE FOR DEFAULT JUDGMENT FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: WILLIAM T. MOLCZAN, ESQUIRE PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 2718 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 W WR#06177964 Judgment Amount $ 7108.86 THIS LAW FIRM IS ATTEMPTING TO COLLECT THIS DEBT FOR ITS CLIENT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No. 07-5914-CIVIL TERM DUSTIN L HUNTER Defendant TO THE PROTHONOTARY: PRAECIPE FOR DEFAULT JUDGMENT Kindly enter Judgment against the Defendant, DUSTIN L HUNTER above named, in the default of an Answer, in the amount of $7108.86 computed as follows: Amount claimed in Complaint $6808.86 Interest from date of judgment at the legal interest rate of 6% per annum Attorney's fees $300.00 TOTAL $7108.86 I hereby certify that appropriate Notices of Default, as attached have been mailed in accordance with PA R.C.P. 237.1 on the dates indicated on the Notices. WELTMAN, WEINBERG & REIS CO., L.P.A. By: ' WILLIAM T. MOLC ,ESQUIRE PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 2718 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#06177964 Plaintiff's address is: c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7`F' Avenue, Pittsburgh, PA 15219 And that the last known address of the Defendant is: 478 STONEHOUSE ROAD, CARLISLE, PA 17015 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff Case #CG-591' C NIL l&P-m DUSTIN L HUNTER Defendant(s) IMPORTANT NOTICE TO: DUSTIN L HUNTER 478 STONEHOUSE RD CARLISLE,PA 17015 Date of Notice: 1-01 -0T WWR#: 06177964 YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE FOLLOWING OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. 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 BY:. FtC xjt- U`Ar? &nwl `- PATRICK THOMAS WOODMAN PA I.D. #34507 WELTMAN, WEINBERG & REIS CO., L.P.A. 2718 KOPPERS BLDG, 436 7TH AVE. PITTSBURGH, PA 15219 IN THE COMMON PLEAS COURT OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Case no: 07-5914-CIVIL TERM Plaintiff VS. DUSTIN L HUNTER Defendant NON-MILITARY AFFIDAVIT The undersigned, who first being duly sworn, according to law, deposes and states as follows: That he/she is the duly authorized agent of the Plaintiff in the within matter. Affiant further states that the within Affidavit is made pursuant to and in accordance with the Servicemembers' Civil Relief Act (SCRA), 50 U.S.C. App. § 521. Affiant further states that based upon investigation it is the affiant's belief that the Defendant, DUSTIN L HUNTER is not in the military service. Affiant further states that this belief is supported by the attached certificate from the Defense Manpower Data Center (DMDC), which states that the Defendant, DUSTIN L HUNTER is not in the military service. Further Affiant sayeth naught. / AFFIANT TO AND SUBSCRIBED in my presence this !day eMk-9e Ir . 71?-i COMMONWEALTH OF PENN S'(LVANIA NoKelly, Notary tarial Seal Public Heidi J. urgrgh Allegheny County My City commission Pittsbummission Expires Nov. 4.2009 Member, PennsYlvania Association of NotsriOs This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose. '.Request for Military Status Department of Defense Manpower Data Center 40 Military Status Report Pursuant to the Servicemembers Civil Relief Act Page 1 of 2 DEC-13-2007 07:08:56 -C Last Name First/Middle Begin Date Active Duty Status Service/Agency HUNTER DUSTIN Based on the information you have furnished, the DMDC does not possess any information indicating that the individual is currently on active duty. Upon searching the information data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the current status of the individual as to all branches of the Military. OWY, pt A?M_ Mary M. Snavely-Dixon, Director Department of Defense - Manpower Data Center 1600 Wilson Blvd., Suite 400 Arlington, VA 22209-2593 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The Department of Defense strongly supports the enforcement of the Servicemembers Civil Relief Act [50 USCS Appx. §§ 501 et seq] (SCRA) (formerly the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's active duty status by contacting that person's Military Service via the "defenselink.mil" URL provided below. If you have evidence the person is on active-duty and you fail to obtain this additional Military Service verification, provisions of the SCRA may be invoked against you. If you obtain further information about the person ( e.g., an SSN, improved accuracy of DOB, a middle name), you can submit your request again at this Web site and we will provide a new certificate for that query. This response reflects current active duty status only. For historical information, please contact the Military Service SCRA points-of-contact. See: http://www.defenselink.mil/faq./pis/PC09SLDR.html WARNING: This certificate was provided based on a name and Social Security number (SSN) provided https://www.dmdc.osd.mil/scra/owa/scra.prc_Select 12/13/2007 '- Request for Military Status Page 2 of 2 by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided. Report ID: BDGXFREHGMB https://www.dmdc.osd.mil/scra/owa/scra.prc_Select 12/13/2007 fi't' '- '?` ? = , _ C ? rr? rn Z , CJ 'r? 00 i W Cl v c ,; IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No. 07-5914-CIVIL TERM DUSTIN L HUNTER Defendant 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 (xx) Assumpsit Judgment in the amount of $7108.86 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 (xx) Default ( ) Verdict ( ) Arbitration Award Prothonotary By: PROTHONOTARY (OR DEPUTY) DUSTIN L HUNTER 478 STONEHOUSE ROAD CARLISLE, PA 17015 Plaintiff's address is: c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7`h Avenue, Pittsburgh, PA 15219 1-888-434-0085