HomeMy WebLinkAbout07-5915IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff No. ul- 6q is ciVi ! Term
vs.
COMPLAINT IN CIVIL ACTION
DOUGLAS A BLACK
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
06222858 C J Pit SJS
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
VS.
DOUGLAS A BLACK
Defendant
Civil Action No
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:
DOUGLAS A BLACK
915 PARK PL
MECHANICSBURG, PA 17055
3. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number 4266841020688543
4. Defendant made use of said credit card and has a current balance
due of $14718.08 .
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 $1500.00
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 ,
DOUGLAS A BLACK , INDIVIDUALLY , the amount of $14718.08 with
continuing interest thereon at the statutory rate of 6.000% per annum
from the date of judgment, plus attorneys fees of $1500.00 and costs.
James
WELT
4 3 6 S ve:
06222858 C J Pit SJS Pitt bur,
(41 ) 43
FAX. 412,
Warmnroaz,4L564
WEINBERG & REIS CO., L.P.A.
th Avenue, Suite 2718
h, PA 15219
-7955
338-7130
This law firm is a debt collector attp;/ll g to collect this debt for
our client and any information obtain d be used for that purpose.
Page 1 of 2
St->•tement for account number: 4288 8410 2068 8549
New Balance Payment Due Date Past Due Amount Minimum Payment
$14,718.08 07130107 $1,029.00 $1,587.08
f-?-? Meats your cord, payable to Chase Sarvkas.
.
$ New address or rmai7 Print on back.
Amount Enclosed New
CHASED
IM61iB?t
r
426684102068854300158708014718080000005
36187 SEX Z 18801 D
DOUGLAS A BLACK
915 PARK PL
MECHANICSBURG PA 170559793
Irrdllrlrrlrrlrlrrlydl...1.1.... IIJ11rr1II.A.1-11.31111
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 198865163
1.1,111.,,III,r,11r1rrl,l,1,1,,11„ILL,r,ll,r„ILIrLirrlrl
1:5000 160 281: 20 3 10 20688 54 361"
OpanklgrC ?sing Date: 06106/07 - 07/06,'07 CUSTOMER SERVICE
CHASE O MinimmtgP uaym?rtDue: $1,68OB EIn U.S. spa 1-600846-2000
EepeOd 1.606448.3308
TOO 1.800.956.8080
Pay by phone 1'800.438'7958
'.. Outside U.S. cell collect
1-302-694-8200
VISA ACCOUNT SUMMARY l ccount Number: 42663470 20" "0 ACCOUNT INQUIRIES
Previous Balance $14,174.87 Tota? Credit Line $14.700 P.O. Box 16298
f
ab C-il
l
Cash, Debits x$188.36 Ave
Purchasee $0 Wilmington, DE 19850-5298
,
s
?
l
Finance Charges +$353.83 Available efor ss Unh 14,700
7? PAYMENT ADDRESS
New Balance $14,716.08 P.O. Box 15153
Wilmington, DE 19886.5153
==rretfilcards
The charge privileges on your credit card account ha?e been revoked. You no longer have the
ability to use your credt card account for purchases. We can help you gel back on track. Call
1-800-9658030 (Collect 1-302-594.0200) today. '..
The new APR and promotional rate expiration reflected on s statement a result of late
rr
payment on your account. For your convenience, you can always pay online accessing webeile displayed on this Statement.
TRANSACTIONS
Amount
Trans Credit Debit
Date Reference Number Merchant Name or Transaction Description
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated
Fee Fin Charge FINANCE
CHARGES
Category 30 days in cycle APR Balance Periodic Rate
00
0 $0 15
$48
.
Purchases V.08217% 29.99°1 $1,953.19 $48.15 $0.0
00 $O.W ?'?
00 $0
0
° .
?'?
.
.
/, 29.99% $
Cash advenose V.o6217
enience check V 08217% 29.99% $8,219.32 $202.62 $0.00 $0.00
C $202.62
onv
Balance transfer V .08217% 29.9991 $4,160.64 $103.06 $0.00 $0.00 $103.06
$353.83
Total finance charges
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 rare of interest you y when you carry a balance on any transaction category
ee - ir1d1x1ing transaction fees
e cflr
t
l fi
,
g
nanc
a
The Effective APR represents your to
such as teen advance and balance transfer fees - expressed as a percentage.
This Statements a Facsimile - Not an original
X oooooo, F1S3 o6 000 N 2 6 07/07,6 Papa 10 1 06818 MAMA 36187 110,0000060003610701
https://instantimage.bankOne.net/Star/j sp/PrintDirectly.j sp
8/21/2007
EXHIBIT
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or credo card eccountvnth us ro vfor ced on the and carrier At
ACCEPTANCE dF CiUS 46REFN! f teamaPL
Po
This agreemenlG Drgovarpsd Y° at uraccount covnrodt ar¢A veto P+Y
tlsis account AnY use Ft jar your records You evth Minis a w
LDptamrrtg lhE tar unt. w
a reemana and keep you Plaess read The on tut =bunt for all nansscuons Pitta on your toes account- cherg?s In
I.r and chnrgo your . ads on your account as weD as a v. nnsrbla for paying
to ether and individuol4y. is rasp in
s
Payostoramtrgnsectroam cf vu, 9 only Da601you if
if this- is as a {oust account ?ahe o actvunt(c used by yap wy be bound
the by this
its
eii s cs owed, avea ur "dit card when you resew ¢! it urPDSa, even it do
aunt for any p
Please sign the beck of yo uthorized by our et wal
ur a scour otnot you be bound by this a
or atryare a You
youdOis4signyauraufil.Wh1Y°°u1?ccODU<?v?it30days'ahertora DY°Urcardend s civil: to
agrsemerdont°ssY PS. and "out"arBa°checeBButUm a eR
you have not used your accountforantPuc Porn nr"and -yosrrs
Througlsatrt this egnaaceca d and a uh this ccount.The war egBama tit'. it'. '• . YO
>fa n?lUt;ing the p ars°R who °ahs arty
the issuer Of year crn camplYln9 wr iF¢n st+rtamonts, es weD
nabls lac arson to whom Wa address W D
persons r-TO
Parson who agrees to bpi oble on tha e a ccoun[ The word' art' means one or more tar
!Or the account end the p have Issuod W p°mdt You
c: other access dev+C°? such as ccount numbers, tbet,we
to obtain cnanundarths agreement
LCUUNT eri°rlal family or
USING Mil A low, we will not be responafbfe
your accou nt is a consumer account and should be used only Pour eccouat You
as Untoss wo egrsa Drills raquirad bYI vas of y e mtvrnet
household pulp" sir . parr-hesed or loosed thrdeghu0m nor azampl
for msrcha°dcsY of ble you
ass oav ec I-M Sonly for valid and Iawlul trans in resporrsr
9?nbg a ng to may bs inaDa w asmo°itsstble transs bons and yovbWr a mtoamake sore that You
use yaw account[ oral for p is not orniss[blo
F%YspD !Or a tioncection oven 8 it Is
zurg
iYpes af7rapssdi
May , your card to paY lor§vetrs ad,saiv gisca checks us a tionslot • PurchasecYOUtp?rovide you cash advance cheeks r ° 6Se check or thacks amorg fitcsalcs:HravtaY aGPWant We at sorelertotramin I's rbelancestoyouraccount
Way to usayuur a far gnod; ar SeiVirtea, chacki to Veasier batoncas
Yon may use s ch1. ckinA y or Yau may not use lhasp anias Dnfy the But
or tot other asses we ,WW of or related camp sets
Poison from other scram With us or a ny 1rf check Lash sdvsnca ch acru"L a ris on w whosf rising i pranted onthe checkmayssDn hark; are Crested asbelsuarot
p a may
11orwemaketoY° chorus
iedin t ands°me 11 Or onyor W
are sleeted as e? eOsed in this r 1, vArr chucks H°wav°r,
t?" sub{ectm ere tetras
transfers axcsp ance chacis asbalance
shacks thatwa "" Cop "a?drdChock$ ent and Ih°t we Indite d is you ors rates
thatws caD co ?nlacbe treated is cash edvencas end assessed cash advapC° other
(orcash edvan Cher ocemmts at loans v? th
and teas ansiet ratan=as Iivm o eUwt
• Balance Trasslom yov May, ocrDure, or other balsats tsansi h1BOt OW
r?dt call issuers or Other landers to this other accounts of cued your Imy
you If ay not Irate . .91 pDrOuspn of 6 rBque sd f 4hures Iran star will
SUL of Y° as.n e p l b alvnce Vonsler up to your etra0abla
otout le tad cap••peni Pity process s partial
trsdri Otis. we outumatic teUar mod Ines. or
from
trtd4 fm• use Your card w Sat cash
- CasbAdaaucsS YvameY or to obtain travelers cbecks,nfotmrY capting c ns r iron la the card a er or to ob$ ns You linaggicial umucy-Money ?, srVcv tr
v+iim;lrr or jar ?simDertb mng?reagacuo
currency. truck w3 wsg ant'tnYaurbel,af:arrdblldttpRYn'°??
tickets, casino ga°riOQd servicB to ma4n a paym
rnyyalsq cse A thrd ? Y e of our reisted
Ns eecutarLacas R you have an eligible eheck;hg account with we
. Ovord?su Adto ur checkinj account Witt ?? pre meal grid
banks. Yoe PiaY Oak this eccoum to Y° taunt under the term'
cover an ovsrdnit is that checking
nods eaDed'b;lring
your cb.clopg accountagraomeM Mdg _r
c1s 1ao dorlomens0? ;tnateiy Hem p? n1ongthFarpuchcolendarmonth,
Sidling F e is app
de that ands in that month Your account fuel have e
?•des.achb3Hng statoment
your account vnq have a bt?mg tY
bitting Cycle emfmg to each calendar month whether or not then Is ° rig be
an
for that b1bg tYcle. our eccoUK that Person va
ors 11 rd BROW someone to use y bvcorna sn
Ftutfrnritced Us careful)q before Allowing DOME as you ten
nuthtsiusd asac you Should think that partOn fo use the
B?hvtited user rehouse You are eRo use Of tnnbiGLY lag
onsgrle tar the use of your ac aunt aduda: yo=ur respond on you tea Yon Wit] tameln rasp
account at=ording is rte tonics of this w by an ur acroant 11 vnu Uslyt. psyiaD all ebargas as Your account made by HA av orlced user O° Y°
Yov may rBqusst sa addaioao! card f or ass b( n at that ourharlLP- =Or
n account 11
do so, this eccr,ntmayaPprsr on the crvanrep acount It
Yon roust 1101111 as W waunata on Buthorited users ormissian to use your
you aotityus, we mayclass Ito account andlnc issu a now card
cardsof, checcardsks or oily other toy an e ccount number Yov sfi Buld c u° n, from that evthori ed user We may etc° telex LO the
nappeves on Your b;ffing letomonts show that
?meraanutd s ual Your access tO your
'
credit One as a creed runit or spending USqdIDf r115 RmiL Your ,tiny st° oudtamanf on of Sign Your tray credit Orly.
and all barged a° a nsl the ca h advance P ash wotVS,unsible1ncivyRnq sdvaocus for
c °rdYa p°Td6n ofyoOr t ee r
ash advance chocks ed a ainsf Yu r credit line. You Bn rasp oa. and
other apnsacnens ire cfiaig g any leas and ftnanca clrnrg
koepvrg track Of year account bohnce, ;ntiodi n
a trade Ens II your aceormLbalatxf is overyOOC uodl[
rn may crsrge you an vverlimV toe es dascsarad IS this agtv°msnt
iugsure1t =it_ b lowyour
s?rYOaraadr[>ipe.YouMust
lot airy reasao aired ?o, euthorlce charges that g edatoly it we ask you to
may, 1, ore P., ell crode Cms, and you must payy usitmn
I goy amwrrdgvarIt balance vvBryunt usdh ipa
1s eQcasrsrepl appnas to any p cancot atucrsdAVSrm•°rrhacash advance
atv&scre6un w+ rROyipcrasse,tF red evliowavor, ;I you have setae us not to do s°. We
. ai any smYour crodRrmo will not aNacl your obfigetion
rtiaa of your rladrt iiaa t
tIltbtcreesByour credtrineAchaag transaction that you orly Pay Bs
S1a12s of Amarkl a"oi
lvraetiunet Tleasaclips= tniornaou Piokf utsldte ortu Un in loa It d totalDn
nca(rsvcY pr that y currency.
a lransection
ekalttalnreig YOU make
it Is mods in Us doDsrs D y win capvan the tsanssction into U 5
rcard 1149131311011L Inc , u%chapge rail Both
isrnetioaef or Mast. acute currency conversion proeedcvas TI.S. be
DBM byus9ngfis rasp?'p? is a rite that it selects either In
pia crssm9 date (which
"tit, uses to convert ,.Is currency m°rt°ts jar ac the sparc ce;vesL or the
pective anuty Rsad R
ve;lfbialntho wboh the [as e
to mat very It= the rots
in rotfclon [he appieablo prvsssiag dale '[be fete in effect
data sr from the rata an use dais you ussd your 'r
maydin ord
gvvarnmant rsrandet°d rate prcaM (3%1 of the
on the arppGeabis processing to charge You an edgwonal throe p
WE rirseNe!he fight ctronwas orig maDY
ar account of fnyrrrtemadond uanscs tion wharhend coo+'a eri d to U.S. dollars by
US doDsrapr s Wnsmadeinaaathotwrren U.S dollar amount
wade in U S Card is aNhar hose, the 3% wRl be cai culated 117115 rt. any;ntamatione'
P sao agm,t6atanlity The same process An dcherpasmayfppfl
",0,60n is rwms+d' bar ere notraquirod In- decline a usnsacuan
",0,60n RnatundtoRetraiu°Tr°"S0=tiQm Wemay,
an your accpvst for any of the lvaDWinp rea
a sons 1:15i orsti,
• bocausa pt aperavanot tit ?s
• bBCaVSS ruroccpunt in
. R We Seeped trevilide t otit ther wiLdimcu";ty or,
. „h 3r=sPimrc .x or Y It!
bla far any losses it a ran saocUon I zuffi font crodd a sRsbia.
We ors tot resP°° or
s masap• ai?rbyus or a third Panif• +v You your account With an
ny, esscuans We may require that you ra YOU to register Ryon
ratfiy You d tars want Y
For °rrDvs that we selecl we W0
suthoiksoaa yst°m 5 Piet dac{ne your online trensacruons When we receive
dopotrapal EachcheckyouwrbsisYourrequest[OfItrnds tNh Ili
that
flrrtaaaf In -back' may raNawyD°r account to d"fi aid Who
heck farue y reason
a chock for eoyr° rf not raquirad try. foist and rat
chacIL V411 urn upP
Y+
Irrcladmg the 4n6ew"p aXbapples:
Hiss is the poyev on tha chsc?
We or Pita of our Telamadvance pprfion of your craditCarD h°sbean "ssded, or w°°Id
Ymu credstow or hash
heck bBrng
paid thy check in another c
-dated 11 a past-dated check is paid. resulting
be Th escse?dde?diif n? P We aid, we are not raspons(b1e.
- you has used tits check attar the date specified on h
countriumbor
Nthevmcheck I(any carri
• You sra in 119113111, yr would be it Vol peat
Lost m Slolstt Gates, qrs=? or pceosnl of 5106n. i ?meons usedw
your ° ccovM is lost or of Yon at once by calling the
rvnr?tha?re ? stress Dpr permission, Yale must °oucall lY us or fsdlmg st tamom Do not
tn)s hone number shown on yota'c? acting ndrer at other
cardmacpbar settiica P aS avan ii your cord, and your
use your eccmrnt ahsr you notify is found or ruill"L W1 may
means to access yvw ectoun, Us of any lot;- Ihah or u B > a dtusetralated to Your
erect p sges Wh°° Yau nOu T-r C d
aeeoupt Mn a 3tmo tc unar,rl nrned Ica of ; I•I aG: r•Rt f^ a+ Xkltn / ^ you
6obls for more than g5gDD of such Vansacuas6, and y
Yas may foe Or u
no hayfork butyov w ? net ]m
ideryl mOd as the YOU ulholund us thy of the lrystossIro, m thah or
which
such tranust saction
win unntrtba liable goo ever, You ill ident;fy
nnauthvsitad sea. • Hoed.
Your received Pa Ads is inlorination in writing I'D help us find out action With our
we mayreqdB Yp1 on to comply yntlr convtn prvtadurss in cvnpc6on
we may also roRtars
ifivvsfigaflwt
pAYFAMS ginnr. Your b1Rng stolemeni and eccompeppcnq emalOpa include
payment tnsVV sl lonow tar m%king payments and sets torrichh the dais and limo by
instructions yon mo
veld .b we pnot recarve 1ha paYnrant ° meM
YOU agree to pay vs atttwnu you ewe in U 5 dollars drown all funds on sing iti a ° S•
ftnenetal b.aobOp or the U S• branch of a lol be P financial institution u rig is p Y
bt
chsctysriraaeYorderor a' cc eti payments total avalebhonored radd?r Cmal not by
phsdart'rarc We -2 trot atcapt cash h P Yi° our Pa ant
nred Inr up to 15 days altar We to calve your End to ut IA' 11" thap t". lul
dth h 1m .s se undo,
rgyj chock or other IV.,n -d n° T oast imper wi otherw;
Any th
P°ymeat u
;,trance mat LSmarkfd `:t;d in iv)f ar vnih A ss psym n or at h
in her satmiacfine of a disputed amount (cvndajona payments}, most ba serif to us right tit
gtalBplB[il WE ragaNa Be ° i
ctm tfitronelIgg"ntsaddress 5StadOnYour monthfy a t
rogordnD such p°yrn )PIS For vxarrpl°, d'n is determined thorn is na vend ipsoaViB or
nt b
arrysuehpaYritvntrsreteivodnce other address We may, rofuo trall o accept airy Such°s all or Paym
tfiot you mat
so owe any ismcrosng balance destroying it An other payments
INV
fdwrdng it to You, net cashing t arclYnddress shown o° Your monthly SLatemonts
Should be sent to the regular peyme ant cracks, of (ire
We rvsww the right to sloctronltally, caged k your count ilonw whit
hic
ptesnnlmBrrtand anyrepresentment tram the ban account h the checkh drawl
Our rveeipt of your PAyrnent chocks is your outhoritauan lot US IV togactth° amount t
balances [rum the previous billing eYde for which periodic finance charges hove
by e tier drawn aq°inst Thy bank account not boon pireedybilod h there it a dilated of d we do not
sending the check amount 310119 11 we decide Holm Incrensg yaurAPR even though
mum dotauU vela stated in the Rules and Foes
the check efucv0nicelly, or, l Headed , t bank' Your bank account may an juritarl default
peymant chalks neocolloculd all nd eccaurt Humors to yaw It me original peymanl lncrpasg your APR up to the maxi
i with the check r° g we receive your payJ°? Tablo, we ruserva Dot right to hncrabs to Yattr gig eddu eddefeull utass or rut eto
be dabfled as early as the same day due, as shown We may In our ed°° dotgrmtne share
check will be desvoyod and min image will be marmanedah our retards dscr C da Average Dsilp Balance Method tigduding
time got is due standard rates for all or selected balances on Your account
oaC you agree to Pay at feast the the d aV1° payment
anyouumPaym the date ndpnym u Anancrchargecalcvlation-Two Y v rag uplylanceMethod(Inclu ow
You g° you mary 1r PU1'mg staFB°1OnL 5D that wo roacanartl dos and in, I paY Ira lug amount YD calculate Relents fmnaca charges
ou have rIII nor other TioA eGoar WO y of transactions
terYou eY payus more din the mini a bralan a that is sublecp to flounce charges, the Taw P Trans°ttiens} for
°?orchucks,cash BOSO es,
owe us at lily Gm elessY a ill p°YlniurancDtb°rgaz becausai"mancetharges sap°rite?yiiorg,Po ? II ish otransfers buWI a ionrutrdifferent.
getting on yourbal°ncn each day belence and our ending balance Ithe tlaroxwnp 6will briar via the some doily periodic rotor. This Is how It
?gtgm°nt shows your boglnnlnp our cosh advance chalks,
Your bi6mg ter bitting ststamentl if the New Hel a nis Will SID DO ore longest DI may comblao different categories wish the same deify periodic rates This is bow t
esu dic (nonce charges for purchases in two steps, as iOnawr,
flew Halattca on Y° works
tit due will be the Now Balanc
minimum payma e. D tha te the
rtrit l Balance, l wFust oraeaeh dent the Ong cYcte, we Multiply the deity balance, by the dally
SiB11?29. ollhe New Baksnee; orth
the 4otivwmg as, and arty bllgdm1 I1to96 0l and the ovstG Now
tats! brined pedotrt rate (manta chnrg emau past due and eny periodic
rst, J r rate •de we muldpiy the daily balance
port utthe mhdmuin pay1°D°t due, we also add any of the provians biNinO tl
r eradllfna our a 0nts • 5oe0nd, for each day tin b the some daily periodic ram However,
over you urchasosooda In that filling cY Y P mint in hill at the New Balance
°xamY+°Dt°'Y°u for p de M Second ;top if we. received
that paymaot Atiocadorthat is am0? os fuel favorable ern to or of e°nvettarir0dnia t l tar us. aUorele For payments
on Your previous bltung ststpraertI by the data and t1ma the
and credits in a We ey ant was
on that b I nca
oUr riyments and t hMg to balm as with lower APRs !such an d° riot vin finance charge was already
Y
as proma us to app! 4 before finial with higher APRs Time We may due or 11 a P nrchasec subject to a promoliarral
as pr BOIN el APR 4 grlydic (mince charges for D
eredil betence by the amount of new charges or [305 billed ate ?e Same w bin we use the promolionol role
Credit Balaacac You may III a refund o[ a credit be once et any odic (mince cringes for balente vanslers, bolgnca uenster
rsducetheemgvnlolany our we calculate pen cnnance charges for bale ce rehsdtr Ill hymuldptt'ing
to Your account YOU ma oudtori:e a thud party t° butometlcailyncehma9lsla?s checks,cadsadeartcas . Its by thy dog arkdierale tat each of
account otforropeB ?ansocUonsllorexample,martihfYu Ggcharges, hayeoygrdroRedvancss oniyilyauhavalinkod
(orta elicchargesaresmpD dlwanyreasvruaclcoun holy the ceinparls IIlet `I al Idayyouurimy vevvsrd D
nurnbot chenQ those charges this eccoutdto ° checking °tc°nnl with one of our roletsd banks. We calculate t a
and inturante pramiatns-I U rmp1A
bacettse your account is closnd at snspandnd??gb° rendpaying n• transfer chocks, rash
promoti°nof rots The samD -Y.
as,Y°sera rpipeasiho fora- Wil l 9 'a noLregr;«a61°,DeY ount ad;Bnc finance sher?ec for bolunto venact toslors, a balance
bar changes wg nay, but Db promotional rate
ditroctiq ityouroceountnwm Bs That YOU authorizedtD a billed to year Oldaceounl buttveust?prom tin rate kssu6l
lance !or each daY for seer eetogory
yarn" w aeeountnumber charQ r or o day lot oath
your nurnbaf ox for our account Uwe To got the dailyba teas, Other charges, and debit Will be in effect • Wa take nor begb apta any new vaesncg0ns,
purcbass , each advance,
do, e[Will From time about th9 terms of the °Nr end h ow long they the • We the to dal We std a now
do, weyvAlaotityY ect to tho terms d this agreement as modified by edpBntsthat apply toThat totogory. r ahlD,t°thedailybalsncaesafiha
chork
Any piemodan is s°? balance ionad or overdraft advance, d app c
ptoraodonaloflor vBBceiondatg ,arnieterdatautotuc6o; RtWsso{?a°Bta?gcashedvance
FINANCE CHARGES balance. banister chock to the daily
croak of balancer the ar check is deposited by a pays°• in a later dole o our
Daily periodic Raton and Annual pence odt rates en r?mit an nthe Rates and Fee;
('APRs1 and the cartacpanding elegy p at the Fdtr choice uodlts, or credk edtnsua°nts that
Tab1a ghat is at The and of this dotumort or provided separately To 931 the daily
• svlttact (rant that balance any payments,
rate we dMde the APR by 315, and in sifeet Iways round up eDPsvb dtntsetepmY and that are credited as of that day.
place to the rigid of *11, decimal paint iDY°U ratbauntmayvarywith changes , We veal o ctodkbafonce es a balanto ut tern for the next day, wa add the daily
Variable flatelCOVIOD1 es to the Pnme ach sptagoty
to thy (line able When b eve Briadic rills
to die prima Rlat When you have an APR via[ veils With crane periodic frame charge to the doily bglaaco 11 more Iran one daily p
eddmg a mangle te the time Rem pubfrshad in Thy To yet the beginning helancafor a'
m ve based on the
Rata, we cafcutste the APR by baton the all g Date shown onyaur bitting P to a category because the rate lot the category aY rY ties
the
trnsiaess days could app!/ average
atatentetd settee01 dell balance, wa YM use the dally pnrielc rate drat app
yragsrreefJa lima ° fs Ike highest N•S }Prime ate pubfshed ?n the Money amount dill Tha'Prime Rita' ubtishmq lorthy average daily balance amount al the end of the billing cycle to ca eAStreerJOU8 It lire Weds oII Yst mdtRn d6 parts& Otranto charge Bach day Tilts agreement provides lc fdor ele doge
Rates The W
the Prime Rata, we wrl select a sn uti r refgrenta ra t e in d Ima I m ev O ° compound ng at Parents cringes le we add all of The dilly
el during !het billing cycle,
IT to to sufist takulele The the Rates APO a A To Vol the total putlodk finance tharga for tiror each beach cycle,
statement tx ThtouQ°h s501141111 tr d to the prime Ra rot
A 'margin is the p anodic finance Charges lot path category for R arty apply, f l ertile previous
day that is not a weokend or i
business day is an oden charge you ni
rich riles, it any, anti vori°bb ras It Disu gals the m°ryin fur Pfus the d68yP6n°dlc finance charges on purchases
Fsas Ta angelic to and wrmsponding APR billing cycle Howevan it any Pnrlodte ilnanee eharpp is due, wt wl
ble Shows w
gash variebfa rata and any mtnbnvm dally p toast the mbtlaaua pIIi1 tic finance charge stated In the HOLDS and Fees Table If It
Two business days butt: a Ina Gosirtg Date sue ?e °°?D to that Privily Rate to gm is netsssary to add an oddrdonaf amount to roach the minimum Bounce charge, wD
who, the prime RsteM We Than add the ap ate Is celcukled as dosclrb°d obtrve add that amount To he balance for purchases made during the hitting cycle vious the APR. The daily periodic e o a elegy Periodi rate from the Prns of th first The foist quanta cII on yurrr account for a billing cycle will be ilia sum of the
if oar coiculadon result; In a thong etiodie {malice charges plus any tri msBCgon lea Fee nee tunings
our daily bala[Be lincluding nces and drdrding th taamount by
cycle becaustre9 Pa Role has changed, then rate well appM a by adding on y
we mode t ods.1 ie Pont h categerywa ealculeta ail overa
toy o1 yam cycle that ends in the calgttder, b or o F Y a th fi iph he for the MOD tyt- b If a periodic (manta charge for purchases
tg{Wle$onDthodsgypedodrtratetntraeses,you a am the number "I nthebilling ?
nnce charge and may have to pay a higher maim P YinSIII I 0019 cycle a pubs, the avenge dailybelance for those
It it you are is deleult under this ogreement made during The P u multiply the average dolly balance for
Dolauil Ro*=Your APRs aise may vary Y purchasesis calcufatedthe some way 1 Y°
you have with Of or any o( out related compenlgscur any o
acolagorl ydtelC°lggory'sdeityperiodicrate, endmultiplytheinsult bydienumber
or any olhrrr agtgemontY other de, the total will equal the pari°dic rrnenee charges tar that
the a do not ng rassen receive, s for airy paY mOnl that is gwa tug don this eby the dell aenynd time of days balance In the aenbnteble htble cycle, i cycle, except for minor variations due to rounding
account or lean with its. of least the minimum p ounce nom die by Grate PertodandAttraol al Rnance eo CharggeWil accrue dporlerfic id to y finance charges
•
due,, credittinasinthlsaccount on%unarecfmafoe,orfinencechOrgslromihedateRtsoddedtgYawdadyberanto
+ YOU rmeed your ter bank tenet paymmnlafull is rgtoired on Was eccuvnt However, w' o norocaiva pgymBnt
You mike a Payment to us that is not honored by.1aecovnt is elosed,we demand rmantechargesannewport I Bn 7 Mn u? ?'
. To theeatsrttSlowed bylaw,R,a'anytime Offer YO a moot
te eymsat ai yo°r outstanding num pvymum is due and wo
balance ahd we d° not recsWa p Y v; yy,_. Nan BalanCI y et NOw Balam a on your praviuus bRgnQ statement by the
h'I _4 pa?Bl O
withltt e time we sportly. on romotiongl data received snd fmr paYe yavr pnvTngrd was due.TUi9 oxcepiion a['grace period applies only
Oro,es°svantsoecurs,wamayincreasedivA pI,Im°ayinune of%hedefault topurchBsesenddoesDotapplptobalancetrenslars,balancetrenSlarthocks,Lush
RPR?on all balances (excluding an iho advances, cash advance chocks or wordier edvencgs, if epptice e nto loo in
N any overdraftsdvsncvsl Haider the following letters to
rate staled in the Rates and Foos Table WO mgy Treasatti0n Foes for Cash Advmotor. We may charge you a cash advootormine your dsfauh rata: the length
r other s the emnattslatgd in the Rotas and FsgsTabte for each of the (9410 ng Itonsacbons:
t the ddeftime ils You our account; othe tei0lionshlpr dic3tians
yo • .
846 etinrg atnance;lntanno6o about te
of Your aocount usage and p antes, and inlorm don we obtain from consvmar , cash cash nadyante dvances chocks
'a offer, as f
o
with vs tit any at our related comp
credit reports Obtained corle,nedit borhe r The a cordat andrs'tialpP1yto D purrchhesa
thefrrid Y 9 Yc
live ; at
In addtio4 it you use a third Pant service to make a Pai°1 s a on your transacti boonhalf and the
ssrvrco chargas the payment to this acevuni We may cll'erge the frelated
or the tel: payment he. We Dddlhe le etothebuloooa transaction lee
ThgsDlronsDCCionlossarBnancocerp -
catsgory as of the transoctin date of the cash advance i=or ezamp
rouId be added to your cash advonc
tot a cash advance v, a once transactions:
Transaction Foss for Balance Trnslors We may chatD You a balance uansler log in mount stated is Ute Hot" and Fast Table lot Duch o the
the Transaction loilowing
• balance Ira lister chaokr,
• betenteuanslers
-, he rpm We the, 108 to atransaction
dale of the alencedlransjsr Fre zs balance mply for the related
Thar transaci n lops are ficoar,
,.,I the category
e far a balance transfer would be added to your tratanaa transfer balance
to oTtTEB FEES AND CHARGES
lass The amounu of thase!ieas are listed in thaRalos an
we may charge the following ig
FeasT ThetsleoswiRDddedtothebalanceforpurchasesmodeduringthebilfD
able
), Or
nuDl j atand Four T Taabublej, whether a
cycle- Fax g your account has an an er and
al Mombotship
Annetasia0mgnls Ills stated is the RD
e roe ?o payh when billed The annual mamburshtp
or in monthh't
o ath year lips is
US that You wish to close your account within 30
nai You use your account, and Ys g
tea is nontefuadabte unites You notify YQ thy a
dale of the data we marl your you billing our ststalnant atnst tin andm whir gbalance is uil Your paymental
charged sad of the same lama, Y ply V ur ecton? or limit lout
the Donald membership Igs dogs not affect nut tight to lase is 01r us. we
Co 1
count tm
light to make trensoeUa antral m°°R'b uer nt pt lyouree Of UP be otmt isaYY vorcloseDtJ ibYYtn oQ dtBostn"
will continue to charge
in full and Ismsinate your eceaunl raistIoDshIP
we tray ymont charge the
Late ram If we do not racetw at ling 5 the retatemeqnt for ultsd mi anybdili g cycle. the. W by Ilia data slid
time It is due Or shown oD your d Fees s
late !ea shown in the RetssUaI Fou aegalen f to the lot bit the l eauant month's statement that
culr.datu thu bu lea :'sin ment
monshows_My lets Igo This bdbnco the slime Dc the New Balance shown on the prior
o s siatemard lr which we did not receive at Isark the required Minimum pay
May ch$ over our
06
5Is a
by the date and time h was due r CT 8vertimil Fee: H your account balnCe
overC t LIDO Ws maY charge this it
cycle. wan it ordy for a day, vie Y
ovendyonrbalaaceirov?rthacredhlinabecauseolp usantechargebtfoowsittipe
or a trensacoon - outhe harBe an ovorftrsdl leyiln su saquont bRfmg cyc os? evee iii no
e unt balance slRl is tryst ya
billing tycia. But we may
new usnsDCbans ere made on your account. l your g
credh fma at any time during the subsequent borne
sld, or Iclnwohmusl retry
Ratum Paymanl Fax R tai Your peYmsof chock or aim lnsu
an outometie debit r other etectronit pementh re dimp
a payment check deb bscoinn it Is not signed or cannot,ba processed- We may charge o
1v ent Dn a cash onote c It heck of balance transfer
return pgymerd 109. aYns
Rstam CbDuk Fss:l1(e) we stop p
check Of your request, r lbj we rehire to pay a cash a aotD ceck or balance irons er
chock we may chsrge a return check log
hatva runs: If yob request a copy of a bllftr?g sl6lemyn4 aging sdrah or srvkosltlor
Admtnrecordlss your acrourd r il yan request two or more cards or any spatial S 0 services
cords on on eX edged bostsi, we ay than Yo 1 as
example, Dbteinin9 a ou for co lee of M1fm9 tatpmant$ sales drehs or simdet
Howrrvur,wewillaolcharg y Na um°y?asasttQGatnsl usurshsr°ppirobl°
daculaerd5 that you rsyuestlr s bRRrtg P ye hr
leVV Wa pray charge, tr any services filled above a d aural s ?rvit°s we pravL e, The
JOBS tram thine to time m eHiirt when we 0001 the sarv it..
DEFAULT1J;DLLECTTDN
We may consider you to be to dofauh it any of 1110151 dcrur:
• We do not rseshn III Bart the minimum amount dt o by the der and time due as shown
on your bitting tistsresnt
• you excaod your credh line.
• you tail to comply 4A* * t the terms of this Agreement or spry
slated comparies
• we obtain Information that causes us to believe thot.yau may us unrviliing or unob a to
pay your debts to us or to others on time
• You lik for bankruptcy
• You become incepacltgtDd grin the avant at you de rinse our account without notice
It we toWdor your otoount to be in delouh. vin my your
et0lWo also than unpshh b lance wh?re enyw°td sin
and require you to pQYyaur unpoid balance
} a imm lr
intsta5l at the rots of two percent cycles eel dub. month or,
your account to be sit or mate bffim you are In detach because you have Talled t° Pay Us,
To the °ztont permitted by law, if yo
log vvu? Pay our collection tolls, Ducinoys' leas court ease. and e0 other expenses o
erdorctop ow rights ndor:his nareyment. CLDSUIG YOUR ACI.CUNT
Yoe may, close your 5etD01 of any lime It you cal us to Close your account wD maY
require that ytrv confirm Your request in writing or credit We may tlasoYour account oxcopt as requiredy applicable olf we close your
print
any reason Without
aceourtl we vdR out be liable to you lr any ronse uyncos resulting from Closing Your
account or suspending YQ?a credit privileges
fl pau or we close your Dccount, You slid orry ouch tired users must immodiatsly stop
urine yor account end destroy 139 cards, checks or thsrmaons to across your account
to as Upon u c on ul! be oraccount11closadandyet) Will
accatmt. evirn ii they are meta of p
CMA i2o:
be roquirad ur pay the ovtslandarg baloaca on your account according ag to the terms of
u to Puy the
IV agent ,tits ogreoms gi i 19 0 y or of any Itimo after law, we yout eccovnl reuire is closed
outstanding bafan
AABiTRJCflON AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY
POSE READ THIS ASHEtMENT TIC)N REPLACES THE
ACTION HIM OTHER
BE RESOLVED BY BINDIN A 1THABICIN AR ITRAG T A IN C THE LASS FORM OF
TO COUfft YOU WILL REPRESENTATIVE ACTION IN COURT SUCH AS THA A PAtyAT
SE A TO ACTION,
A LE TD BRUM ANY
ARBOITRATION AS ALmA51 AMIDN R OTHER REPRESENTATIVE R DN Y U Will
ABLETD BEPARTOFANY CLASS ACTION On NAMASSSAArTIDN R OT
ity HER
UT av eNYONE ELSE, DO REPRESENTED AnameestnuAGREEMENLYOU
REPRESENTATMACHVnar•v.r,?,.•••?•.._ • _. APPEAL TO A C17URL SUCH AS DISI;DVEHY DR THE DiH SEPROVIDED BELOV4THDSENGHiSAREWARtED
tdDRELIM(TED E%CEn reamarrtts made purrusrtlto eVOnsactioninvolvinp
B,adiagAcbllrafioa TltisArbitraUnA9 etionAgreomanl
prbilriatsrstalaation cwt Aatlanerte, and short be governed by and be enforceable under the Federal
drs'FAAL9USC.51.16oshmoybeamended ThisArbiv
setsiatiothedfniTA rKesandppproceduresrtderwhichclamslegdalInedbolowiMaly
CUM
berosalvedbysrbluafiohie tilt ollhisAbRraludInctlurtanl we;'us,end'aui also
edeeassors,sver esmts, ssslgns,
parties Coastal& For the PurPuro'
agents
includgsourparenlsabstu6snes,effTrsfas,Ucnsae ca y laYBes, l ,
any Purchaser of your A,coutd, and s9.oi drab offrcott:, daectors nip
(including Pro
Pant P? is p heralds, senricesre ° . ducts in eoanection with the Acicoual (inc
but not limited to credit bureaus, msrehents that accept any ered0.devica Issued under
the Account rewards programs and unroRmnl sot1 tree, a antsand representatives)
dabtco0eclors, and 019 Dl lh°irofricars, directors, im alsndeatfn any cloim You risen
T4 and onfyU,such a thud Partyis named by y
against us or we may, without Thy other's consent. alsct mandatory,
claims Coupled- Either You,
nip or canvovarsy either you or or against the
ain ion of any ots, dispute as
other, or epainsttire employees, parents, subsidleriee, ° rates, bsyDliciorias, agents or
assigns pi the otbK adatug Irani or rotating Irrany way m the Csrdmumber g9ro ire lion
ooypriorCa dsrembarAgroomant, your rrodh told Account orthe ad0rb g,ail Claims,
or approval of your Account Malin'). Thit Arbitration AgreemerR p
whether such Geniis are based on 111, euaiiQLe d theory of low such asmospond°e
r IM coesULBUD"l provision, any g
time
supsdaLar err YDlirsttugal or oqudablb ground and whother sucb clams sock as samadies
money dstnogas, panQllage, junctbns, or dactaretory or eglritabtp torm1. Claim
this Arbilro(tion
to this ArbilratianAgrsem°ntinclude pdms regarding thy 81:11311eQ6iEry
svafiddyofthgentireCatdmembarA9reamentorairyPTI
AgreatnatttorUt CDrdmomtror
Agrogmont This Aillid Agreement includes Cibims that arose in 1ho pest, er arise
1WOOM
in the present or the future. As used to this Arbitration Agreement. the term claim is to
be plvn the broadest possible moning
agninclude Claims tns, a and pairywh hii??srproc e e d
claims; Subject to arbilr nB In
third party clans, hatssploodi rs or otherwisy and a party
court rely elect orbilredn With suspect to any such Claims advanced in the lowsuit by
any pasty or psruss•
As an o=oplion W IRS Arbitration AgrsemoK you retain the right to pursue in a small
claon any estns.1aparty gieststo arbitrage a Cleire, tha rbdr°tson will be arriduded as on nrvidual
b
action. Nsilhr•r use nor trip agree to any crbtua3n on a :tors er iopt s=:lathe bars,
oceed on such bask.This moons that oven
and adkow slid no Buthbftto Pr
R a cl lass acdon hiwsuh wg other representotive octmn, such as that is the form of a private n.ls
ssues
related
n us
Mod
tted lawsnuits gwill be su6lsct to an tndAduat a batrrdoa claim if abbothyu or wesso pi cL such
No erbintin will be consolidated with any other arbitration proceadreg without the
canceM of ON peryro?a Thu only (1) those brought by us against you nd say cc-apps and
this Arbitration A9 our Account of your halts or your trustee in
those b brough eutlroughtubY ar o you Yend Boy co-8pplic0111, jDtnt cardmembob or
joint ro
cardmamber, ptcy s I2) or (21 at
t
euthorbod rked user of yovrActaurut, or year heirs or your trustee is bsntruplsy °9etnst us
InlfuatiDO of Arbilretiay The parry filing a Claim m erbl"On must choose one of the
Arblvet us The edminisve or does
iona two arbiltralfinu Fotoin.Tttare administrators Bsoo Independent ntt f oU
not conduct ft arb6refwponi D goal Lbhd pti? chosen in occordento with the y rules
of thedon arblu-rb
of the selected ted o bbon beadrtg that You °ttand shell be hod at °Qplace ch r:a, by
Agreement Any o
the DTb1trB1111 or arbivolonit reside at the time thy Claim Is Blvd. or at going other s Piece ton which Yoou and we agree in the two administrYoe may Obtain coies of the c'urront. rules of ators, Information about arbitration and arbitration beast and instructinsulor
initiating oTbhraduu by cantncdng the arbtuetian Ddministrators es iogows:
American ArbluaGon Association, 335 Madison Avenue, Floor 10, New YDFI:, 14y
10017-4505, Wsb shx w.+wadc otg. gag-779.7874; on
Motional Arbitration Foram, P.D. Box 50191. kiinnsapofis, IAN 554D5, Web sits:
mew arb'araliosr-foram com, BDD-474-2371
Procedures and law applicable in orbilrolVOn. nt.loosttsneut ala rb rotor oilla resolve
clolms.Tbe arbluatorvnll shhorbe a lawyer
or former judge The arbitration wIII bas Conducted vndgr)on the data th proeduon are in and rules of the arbitration administrator
and r thstare inwnsl#tent with this Arbitration
u fled unless those pr
Agreement in which cast tills Agroamant tell prvvei 1The 10 Procedures 4sli 1 rues
able statutes of
ppGcsbla a I'MOntivallow consistent aWithtt FAA aid appGCGable Im Choose to
eazoaabfo
Gmitatlens, and will honar aline of privRpgo recall t low You
have a hoeing and be represented by counsel The orb' low w tavki r
steps to poled customer Account brie prohilzil din 1 fi t t outside ke to narabitretion,
al orders P you or us. Thu arbitrator wig he a the power award to
including the use 1
if requested to do so . other r.Set pruvfdad for un r der a bale -a will
rwn who is
party any deusge b Ord env
hove the p
0wor to proeaodmg itI 10, a at. tiro I horizesrosuc oli the B?rbivetat rally sword Pat a patty , Ines Tha eriitcetbt wig make srry award is
award ptmtttvs dame@es Or attntaoy uasted bye partp
writing but mead not provide t statenianl oe russg w as°`sbrief statement of the
Ups a raquost by you or us. ha orbhretor p
reesoms for the award. a Up to the
Costs We wig raiatburse you for the initial Brbivatioa Fdi g lee path ere is B earing,
amount of 551 open receipt of proof at payment Addltl Pahl, l the first two
v,re will pay any loss of the orbitOt of any such hootirul tons by u st ? ire m his
days of that huaring• TGe Paymegt iou or us °gnt to elected directly t° he otbiti Ad Other tbes will be allocated keeping with ilia gulps of
Arbitration Agrp nitn Ho will advance or
the arbitration udmintstratar and applicable law trovaG we
rei arbhrator
reimburse filing foes and other imps U the erbitrodoa'edministrator or
datermines liters i; good reaea r for doing requ so Uing Each us party dp so or you ask es and we
loin beer the aspmise of the
dotsrniina there Is goad cause fo
s s tuorneys, experts. witnesses documenlc and other
teas and L°SIS I?¢ of which party provoils, for srBpply.an a a ° able lewfit,
.
expanses, rog sztopt that lhs arbitrator shelf I Ong y PPS
Parmitled bolo L e a potty sfiould recover pity or ell tas and costs Iron, snothnr
determining who,hor lioB
party dot in enforcing Ihls Arilare
EnforeomenL finality, orinconnacl'mnwithtnyPardc orLieims,wltmdcansututo
any
Ag?emantalanY Ms to require arbhuetios et alater ilAte oc wnnetlbeFin l ei
avraiverofarty li9 onl rocagdingrvpl beo l
other Claims Anydgclsninrsnderod in suzh wrl ati1ihesrfidrationorg
IsindrngaIthePgrtles,unless epeAyapQerlrlnwdtinp b request anewarbfuetion
Within 3g days of issuance of ills ewers The °ppgpl tmM
anal of two nougat eibRrators de ignat d by the some arbitration
before a p nal will t ,,consider gp Isctvet and Legal tssuas anan tonow the
organlreGon This Pa a single B flretor, and mike datarimis
to e
same rules that apply Pre Eceedirg ech using party will bBMr their own tees, costs and
based on the trots o the matarttY of alfleaS,costsandospanses
i eaL bulapanYinDyrecover any p a icpbtB
expansesmrarty ePP ovidodbythe ri Of the r v4 snotboar n . pghaward in arbiuotf n wig be °ntorteabto es ? 9 A
FAA or other sppficebla low by any court having ivris0Ic6oa alien Of
Saversblifty, survlvaL'fbm Arbitration Agroamant slug survive: lif sbiot
cfi anges in the Cerdmumber Agreamen6 the Accounted the refeti tionshtp betwotn num g The Account. Such 'Is 0. you and n concern Of a balance In the Arco u
is 9 of a new at is another o account (iii the
or the frenslsrring ttilf °r bh°lh
bankruptcy ofanyPistil'oranyslmlgrproOeea?itfthildD m, UsnYPradonofthis
and in payment of the debt in lull by Y ?' onions
Arbitration Agreement Is doomed Inv US of unpnforebabie, the ramtitdri9 P
shun navBrtheless remain ie farce
CHANGES TO THIS AGREEMENT ?qb 1-4111-M. Mrs
We tanthsnge this agreamend at anytime. ragatdleesf Dlvfie?lhcr Our fight to'odd,
to your atco4td, by adding, deleting, or modifying +?Y Pr
delete, such as the an
a larcemnl of the rights long,
ormtlYruohsasn?annaturn, extent$ end rl
and d other fetus
obtrgetions you Or wa meyavB relating is this agr°etgent ModiGceGmu, ad roans,
or deletions tire Celiac! me Shngti or a -Change'
lye will notify you of Boy Change it required byeppGcable low These Changes may
be DffOc&e with notice adr, at the time stated ink 9a wiloticDl , in apply acc u dhecimpid
applicable 101111 Unless we state otherwise, any Chan a and
balance, on your account end 10 new transeh?; inspect to any B ,
The nvtiw vvfll desenbe any rtghtt yeti may hts For azampie, the notice
tha consequences it you d° or do not exercise those Q you do nut want to
may stale huff you may notify us in writing W a spDci rod date fl Ya au do not
secupt certain Cheayss we are making II YOU With us in writing that Y
aceaptheChanges,Youraccountmaybedosed?lhissr otalre tl clelermas and you
will be obligate?d to Puy Your outstanding balance n>? of the
HI 4 do not polity us in writing by the date stated in the nice. oft you
a greemeM
nobly us bin en rasa Your aceount otter the dole stated in the Petite- you wig be
c,, tt: in accept sfl Changes if, I`-C D;,e- emit to atcspl and confirm an tent.; e,
your agooment end Bfl Changes In prior nolhcos we have sent you rugardioss of
whether You have access fu your account
CREDTFUiFORMATIDN hisloryby obtaining intormptianfrom credit
We maypariodicapyrevi°wyour burosus and others
We mayreportinformation about you and your otcet?nt to credit n yew accountlor
Your f1gure to pay us on time • If you request ads n ma usrwsall esyln ihp names of
o(11ers we mpY rupon account in?ormanon in W
these other aeople
F-a ria 4 rat
If yam think wg have reported inaccurate inforinatian to a credit bureau mount my
writs to us i clat be rCoeme ed oss, address lited on Your
telophona number and a brief
desass lion of the he problem R available, ploans Wovide a copy of the credit bureau
report in r question We wig promptly invesugate ?he molter end, if our irrvastigefian
shows that van are right, we Will contact neck credit buosu to which we reported after the kJoruurtion snd wig request they correct the report letthane is wig also notify the
ow invastigetian, wa wig tog You In writing by
credit btnsu that You dispute the lnimrmatlan unless YOU let as know that YOU no
longer disputs the Information
NOTiCESICHANGE OF PERSONAL INFORMATION
W, wig send cards, billing statements and other Police; to you at the eddres5 Shown and notices
in our Igor. D4l this is a logo account we con you wilybyyt consider odnn lice to all 01'
to unyioint account holder. Notice to one of ya
you and on of you wll tonight obligated on the account
if you though your name, address, or hams, cellular or business toiophone number
if all olectlitn
or small Bddno* rossUS
fmmBdlatefyria writingliat the address shown on yeoi?r bilfing
you nest
may, at our option, accept motgng address carrectiaas from e
slalemont. W %rB f
Uaned States Postal Service. We may contact You about Your account includ'mg
lot customer sarvres of reflection, at any oddrosa or letpphons number es wag as
any copular telephone number you provide us•
TELEPHONE MONITORING AND RECORDING yo calls
with We,ariditeppricsble,ou( agents`cemay blarlaour nts nts6maydo sa!awhelhaeyou o we
us, you auras that wo, and l gpP
h ifiste the telephone cog
our
INFORMATION SHARING
You authorize as to sharp certain information about youofeu unitsuntwithi any
f amgy of companies, end with others mouirida our
may opptor on ho cards, es pormilted
company or Meidtotronwim allamaormiirk d 12 you When yod first receive on
by tcw, our privacy poficy, vd,i:.h Is prutidi
agraymordandatleastanceoechcalondaryBarthareehor,descdbasou' iocmgbaD
sharing ptscticn and the chalcss you hove and directions
eaccount you With may Vivo us ab or
out sharing of information about you end your comp
Organizations within and outside of our tamly of companies
RIINDIS CAAOMEMBERS
lglpols fate provides that we may net share intorma uunto s yo Rk carman the
or other organaslimts outside o our family of companies stdi
tlas to process r Your transactions: orrin OXC8PIICU1 In the law response to a subpn
sharing unless the
gig sho na).
ec ring in infortne P
ou herebyelpeaha6lyouchposenotto"Ordsttheapptfrableaptautde13 sit
fn our privacy Policy, you viol be dammed to hew aalhmizad us to share personal to B information wahavaaho with any of infutinsfian mapenfes)vwth companies orrother
of services yes may heve va with any
orgo*abons outside of our lmly of companies
ENFORCING THIS AGREEMENT
We can dolayanloming or not enlerts arty of our rights under this egrtemntwithout
losin out fight in enforce are found to be uuenforcaeblemalin this loture. l other terms i wQlyremain in lug IDtteft agreement
ASSIGNMENT
We mBY assign your account, any amounts you own as, or any of our rights and whom obGgodmis uoderIM; agreomentl thirights ut we ass gn 110 that we make o
person
our
assignmtntwig be gntiued to any at
GOVERNING LAW
THETEW,jSAf DENFORCEMENTOFTHISAGREEMMTANDYOURACCDUNTSHALL
THE E nMff STATE LAW APPL.IES'fT HE LAW OF DELAWARE, WITHDUrT•RESARD
WHERE WE AND
TO CONRIU?UF PRINCIPLES. THE
YOUR ACCOUNT ARE LOCATED. WILL APPLY 4NOMATTER WHER YOU VEORU E
THE ACCOUNE
FOR INFORMATION
youraccount number tiltyogreemantr bluing
Please cep the Cardmombur Servira telephone
statement 0 you have eery questions about YOUR BR11NG RIGHTS
Kopp This Notice For Future Use
This notice contains important information about your rights and out responsibilities
under the Fail Credit Billing Art
14otily Us to Case Of Errors Or nueslhons About Your Bill
11 you hlnkyour bill h wrong, or it you need more information about a transaction
pit yourbll,withe us oo a separate shoot a1 the Cordmembui Service address shown oss
must h
iom on your bTtM9 o days after we sent you the First big o nwhicb who error ortp oblem
no later then dten W days
,npatr?d ,,,: aatelephore u_,b!'ldoiny scwd' not p,nserw yourriyhu
in your 1811sr, give us the Iopwving information:
• Your name and account number
• The dollar amount of the sr'soiA, a It s You the gror and use ou can, wlryyou believe there is an error II you
•
need moreinfarmetion, describe the Rom you are not sure about savings front 11 You bare outharaod us to p,,Y,o, credit cam obill n a utoYao think our h wrong
or checking accQUP%You can stop 1111 paYfti n1 amount
To stop the payment your loiter must roach us at letsi three business days balDrD
the sulamstic PaymoMls scheduled 10 DCCJr.
Your Rights And Our RtspomsibTllffns Aher We Ra cefva Your Wrines Motile
mull acknowledge yotn !attar vytthin 9D days, unless twe have conacted the error by
than Within 50 days. We must either correct the error or d><ptain why we bagevo the bill
VJe m
tuns correct to CONDO any amount you quar,11, of report -Wdlo
Altar we recan+e your letter, we cannel uy
You as delinquent YJe can conlinveo to unpaid amount a ? stpst Yew 4cludil r4 G Gap You do
gotingbut You ore Son WOO Oro
finance charges and we can apply Y
not he- to pby any go°s0o ou dr amount the! are n° neques on ,
nbGgatedtopaYepvportaofY uwillnvlh vetopeyerpyflne°cecharges
11 the {od that we made o mistake on yourbfg,Yo questioned
rolatad to any questioned amount R we didn t make a Ipaymants You on may the have to pay
andynu wil have to make lip any mis
finance charge!;, sed eym
amount Inese, n*4 l end you a statement of the amount you owe and the data "llnCt that it is due YOU owe, we may report you as delinquent
Il you tad to pay the amount that we think You end You drrito to usw"n iD del lolling
yvWBVer, if our aaplenedoa duos not cadsfy y
us that you sdfl refuse to pay, we must leg anyone wo repntl you to that you have a
question about your b? And, we must tag you the name I Son sutd d l repotted You to of anyone V19 question anyone we report you to that the matter her (bean rattled between us whoa
it finally is we con .t collect the first s4D DD of the quostioned amount,
if we don't foRvw these rvlos,
oven ff Your big was corroot• d with a
spocial Rules for Credit Card Purchases
It you have ° problarnvA the gtiefity of property or sa as that you Ptlrcheso
nt.
amens
[h Of
credit card and the you you h ht e rvepotty tried PoYin good leilh w correct a problem with them ervice&
the remaining amount us on the property t c
you me me state,
This right does not apply to check transactions TWO a n two GmltaOvns onfi I
(e1 You must have made the purcheso in your home state br, g not vvdldn yv
'myth 113D lint us of Your currant maigng address and
(b) The Purchase Ora must have been more than she m m
Those iunitsooons d° not applyil we own or operate the erchant orif we 01111"d you the
edvertisament for the pVDM tlr samcos
Copyright p2D06 JPMorgen Chase & Co All rights reserved
?ago : r.: 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, Manager of Chase Bank, USA, N.A.., plaintiff herein, that he is
duly authorized to make this verification, and that the facts set forth in the
foregoing Complaint are true and correct to the best of his knowledge,
information and belief.
hase Bank, USA, N.A..
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SHERIFF'S RETURN - REGULAR
CASE NO: 2007-05915 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CHASE BANK USA NA
VS
BLACK DOUGLAS A
KENNETH GOSSERT
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
BLACK DOUGLAS A
the
DEFENDANT , at 1635:00 HOURS, on the 5th day of November-, 2007
at 915 PARK PLACE
MECHANICSBURG, PA 17055
DOUGLAS BLACK
by handing to
a true and attested copy of COMPLAINT & NOTICE together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing 18.00
Service 10.56
Affidavit .00
Surcharge ge 10.00
p1 .0
6
? ,}?` 38.56
Sworn and Subscibed to
So Answers:
R. Thomas Kline
11/06/2007
WELTMAN WEINBERG REIS
By:
before me this day
of A.D.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
DOUGLAS A BLACK
Defendant
No. 07-5915 CIVIL TERM
PRAECIPE TO SETTLE, DISCONTINUE
AND END WITHOUT PREJUDICE TO REFILE
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
JAMES C. WARMBRODT
PA I. D #42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#06222858
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No. 07-5915 CIVIL TERM
DOUGLAS A BLACK
Defendant
PRAECIPE TO SETTLE DISCONTINUE
AND END WITHOUT PREJUDICE TO REFILE
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
SIR
Settle, Discontinue and End the above-captioned matter upon the records of the Court without
prejudice to refile and mark the costs paid.
WELTMAN, WEINBERG & REIS CO., L.P.A.
By:
Attorney for ai tiff
2718 Koppe s ilding
436 Seven A enue
Pittsburgh P 15219
(412) 43 -79 5
COMMONWEALTH OF PENNSYLVANIA
Notarial Seal
Heidi J. Kelly, Notary Public
City Of Pittsburgh, Allegheny County
My Commission Expires Nov. 4,2()()g
J
Member, Pennsylvania Association of Notaries
SWORN TO AND SUBSCRIBED
before me this /&?_diay
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