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Home My WebLink About07-7430IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CACH, LLC VS DOREEN M. JONES NO: b7 - 74w Civ, l 1?m NOTICE TO DEFEND You have been sued in Court. If you wish to defend against the claims set fourth in the following pages, you must take action within (20) days after the Complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the Court you defenses or objections to the claims set fourth 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 of any money claims or any other claim or relief requested by the Plantiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOU LAWYER AT ONCE, IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THIS OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIIRING 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 Court Administrator 40' Floor, Cumberland County Courthouse Carlisle, PA 17013 (717)240-6200 Harrison Ross Byck, Esq., P.C. 229 Plaza Boulevard Suite 112 Morrisville, Pennsylvania 19067 1-888-275-6399/ (215) 428-0666 Attorney for Plaintiff CACH, LLC 4340 S. Monaco Street- 2ND FLOOR DENVER, CO 80237 COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, Vs. No.. DOREEN M. JONES 752 HAMILTON STREET CARLISLE, PA 17013 Defendant(s). COMPLAINT To: DOREEN M. JONES 752 HAMILTON STREET CARLISLE, PA 17013 NOTICE 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 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 the courtwithout further notice may enter a judgment against you for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose 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. LAWYER REFERRAL SERVICE Court Administrator 4th Floor, Cumberland County Courthouse Carlisle, PA 17013 (717)240-6200 AVISO Le han dernandado a usted en is corte. Si usted quiere defenderse de estas demandas expuestas en las pagins siguientes. Usted tiene veinte (20) dias de plaza al partir de la fecha de la demands y la notificacion. Hace falta aseniar una comparencia excrita o en persons o con abogado y entregar o sus objecciones a las demandas en contra de su persona. Se avisado que si usted no se defiende. La corta tomara medidas y puede continuar la demada en contra suya sin previo Avisa o notificion. Ademas la corte puede decidie a favor del demandante y requiere que usted compla con todas las provisions de esta demanda. Usted puede perder dinero o sus propiedas o otros derechos imporrantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSOAN O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. SERVICE DE REFERENCIA LEGAL Court Administrator 4th Floor, Cumberland County Courthouse Carlisle, PA 17013 (717)240-6200 Plaintiff, CACH, LLC, by its attorney Harrison Ross Byck, by way of complaint against defendant(s) DOREEN M. JONES, avers the following: 1. Plaintiff, CACH, LLC, is a Colorado limited liability company doing business at 4340 S. Monaco Street- 2nd Floor; Denver, Colorado 80237. 2. Defendant(s), DOREEN M. JONES, is an individual residing at 752 HAMILTON STREET; CARLISLE, PA 17013. 3. Defendant(s), DOREEN M. JONES, is indebted to MARYLAND NATIONAL BANK, N.A on an account stated by and between them in the amount of $1,886.98 which balance was due and unpaid as of JANUARY 29, 2005, for credit card account number 5490 9939 9998 9231. <Exhibit A> 4. On or about DECEMBER 16, 2005, MARYLAND NATIONAL BANK, N.A sold the debt for good and valuable consideration to plaintiff, CACH, LLC. <Exhibit B> 5. Defendant (s) DOREEN M. JONES, last tendered a payment on this account on or about JUNE 23, 2004 for $65.00. 6. A copy of the credit card agreement is attached hereto. <Exhibit C> 7. Plaintiff is entitled to charge-off account finance charges of $-0-. <Exhibit A> 8. Plaintiff is entitled to pre-litigation charge-off interest of $1.03 per day from the default date (19.98 % annual percentage rate x $1,886.98 / 365 days) or $1.03 x 600 days = $ 619.76; which is accrued interest through the date of filing, plus an award of late fees of $ -0-, plus court costs $178.50 and reasonable attorneys fees of $377.39. <Exhibit A> 9. The defendant, being indebted to the plaintiff in the sum or $3,062.63 upon the account stated by and between them did promise to pay said sums upon demand. Demand has been made for payment of $ 3,062.63 and the defendant has failed to remit payment. WHEREFORE, plaintiff demands judgment against the defendant for $3,062.63, together with other interest and costs of suit. Date: November 12, 2007 x hibit A ACCOUNT NUMBER MBNA America r 5490 9935 1777 0089 PAYMENT DUE DATE NEW BALANCE TOTAL CARDHOLDER SINCE 2001 02/i8/OS $t,ee6.98 TOTAL MINIMUM PAYMENT DUE AMOUNT ENCLOSED • Maki Check $298.00 o"able to: MBNA AMERICA 21 P.O. BOX 15137 WILMINGTON, DE 19886-5137 E DOREEN M JONES P 0 BOX 891 CARLISLE PA 17013-089191 S 00004000000080000000000000000000400000188698000298000005490993517770089 S 0000181380040$000$000164330000148487001886980002980000OS490993517770069 DAYS IN TOTAL MINIMUM ACCOUNT NUMBER CREDIT LINE CASH OR CREDIT AVAILABLE CYCLE CLOSING DATE PAYMENT DUE PAYMENT OUR DATE 5490 9935 1777 0089 $8.000 33 01/25/05 $298.00 02/19/05 POSTING TRANS REFERENCE D CA TRANSACTIONS CHARGES CREDITS (CR) DATE DATE NUMBER Pi JANMY 2006 STATEMENT PURCHASES 05 ASTIENTS 0124 0123 0001824 MC C LATE FEE FOR PAYMENT DUE 01/22 29.00 TOTAL FOR BILLING CYCLE FROM 12/24/2004 THROUGH 1125/2005 $29.00 4.00 OUR RECORDS SHOW YOUR ACCOUNT IS PAST DUE IMPORTANT GREAT NEWSI THE MASTERCARD BENEFITS DESCRIBED IN YOUR GUIDE TO COVERAGE WILL NEWS CONTINUE THROUGH AUGUST 31. 2005, WITH THE SAME TERMS AND CONDITIONS. SUMMARY OF TRANS ACTIONS TOTAL MINIMUM PAYMENT DUE Previous Paynlants + Cash + Purchases + Periodic Rate + TransW11on a NSW Balance ast Due Amount $256.00 Balance and Credits Advances $AdJustmeMS Finance Charges Finance Chargp Totat urrent Payment $42.00 $1,824.68 ¢0.00 $0.00 $29.00 $73.30 ¢0.00 $1,886.98 Total min Payment Due $298.00 FINANCE CHARGE SCHEDULE Periodic Corraselwnding Balance Category Rate Annual Subject to FOR YOUR SATISFACTION, EVERY HOUR EVERY DAY , Percentage Rats Finance Charges . For our automated Direct Connect service, calf A. SMANCETRANSFER, CHECKS .054739%DLY 19,98% $0.00 t-WO-78044 8. ATM, BANK........ .054739% IDLY 19.00% $0.00 To speak to one of our Customer Satisfaction representatives, C. PURCHASES........ .05473M IDLY 19.90% 4185.62 call 1-80x788-67Dt D. OTHER BALANCED...... .054739%DLY 19.00% $1,657.77 For TOO (Telecommunications Device for the Deal) FOR THIS BILLING PERIOD ey assistance, call t9 B8% ANNUAL PERCENTAGE RATE ... (Includes Periodic Rate And Trenucnon Fee Finance Chmoo ) . 1-800-346-3176 THIS DOCUMENT IS A COPY OF YOUR STATEMENT. IT IS FOR ..fulling rights are preservad only by Wrltten inquiry, YOUR RECORDS ONLY. THIS COPY IS NOT AN EXACT DUPLICATE Mail billing inquiries and all other account Inquiries to: AND MAY NOT INCLUDE MESSAGES WHICH APPEAR IN THE PAGE 1 OF 1 MBNA AMERICA P.O. BOX IN" IMPORTANT NEWS BLOCK ON YOUR ORIGINAL PERIODIC STATEMENT. WILMINGTON DE 19550-5020 16 M B NA America PAYMENT DUE DATE NEW BALANCE TOTAL CARDHOLDER SINCE 2001 1 02/22/04 $1,751.82 AMOUNT NCLOSE 70TA MINIMUM PAYMENT Make check $65.00 [emetic m: MBNA AMERICA 21 P.O. BOX 15019 WILMINGTON, DE 19886-5019 DOREEN M JONES E P 0 BOX 891 CARLISLE PA 17013-089191 S 000000000000600000000000000000000000001751820000"000005490993517770069 S 00001782500001782500016385700016395700175182000065000005496993517776089 DAYS IN TOTAL MINIMUM ACCOUNT NUMBER CREDIT LINE CASH OR CREDIT AVAILABLE CYCLE CLOSING DATE PAYMENT DUE PAYMENT DUE DATE 5490 9935 1777 0089 $8,000 33 01/26/04 $85.00 02/22/04 (DATE (DATE [NUMBER 0120 1125300501077580 5490 9935 1777 0089 JANUARY 2004 STATEMENT MC PAYMENT • NET ACCESS 65.00 CR TOTAL FOR BILLING CYCLE FROM 12/25/2005 THROUGH 1/20/2004 0.00 $65.00 CR II IMPORTANT USE MBNA MORTGAGE PRODUCTS TO ACHIEVE YOUR FINANCIAL 0OALS-CALL 1-877-888-8713. NEWS Previous Payments + Cash + Periodic Rata + Transaction a Nay Balance ast Aeount $0.00 Balance and Credits Advances R Finance Charges Flnance ChaMb Total Currant Pageant $65.00 $1,816.82 $65.00 $0.00 $0.00 $0.00 $0.00 $1,751.82 Total Min Pageant But $65.00 FINANCE CHARGE SCHEDULE PertodId Cornesepondlog Balance Category Rate Annual Subject to FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY Percentage Rate Finance Charges A BALANCE TRANSFER. CHECKS .000000% IDLY 00.0091 To speak to one of our Customer Satisfaction representatives, B. ATM, BANK ....... .000000% DLY 00.00% call the number on the back of your credit card. C. PURCHASES ........ 000000% DLY OO.OD% D. OTHER BALANCES...... .000000% DLY 00.00% For TDD (Telecommunications Device for the Deaf) assistance, call 1-800-346-3178 FOR THIS BILLING PERIOD ANNUAL PERCENTAGE RATE SEE ABOVE T418 DOCUMENT IS A COPY OF YOUR STATEMENT. IT IS FOR YOUR RECORDS ONLY. THIS COPY 1S NOT AN ID(ACT DUPLICATE AND MAY NOT INCLUDE MESSAGES WHICH APPEAR IN THE IMPORTANT NEWS BLOCK ON YOUR ORIGINAL PERIODIC STATEMENT. Billing rights are preserved only by written Inquiry. Mall billing Inquiries to: BANKCARD SERVICES P.O. BOX 15028 PAGE 1 Of 7 WILMINGTON, DE 18850-3026 ACCOUNT NUM MBNA America 5490 9935 1777 0089 PAYMENT DUE DATE NEW BALANCE TOTAL CARDWLOER SINCE 2001 07/25/04 ;1,502.74 TOTAL MINIMUM PAYMENT OUR NT ENCLOSED Make chock $32.00 Pemw m: MBNA AMERICA 21 P.O. BOX 15289 WILMINGTON, DE 19886-5289 E DOREEN M JONES P 0 BOX 891 ' 17013-089191 CARLISLE PA S 00000000000000000000000000000000000000150274000032000005490993517770089 S 0000000000000000000$015498700015308500156274000032400005490993517770089 DAYS IN TOTAL MINIMUM ACCOUNT NUMBER CREDIT LINE CASH OR CREDIT AVAILABLE CYCLE CLOSING DATE PAYMENT DUE PAYMENT DUE DATE 5490 9935 1777 0089 $8.000 30 06/24/04 $32.00 07/25/04 STING TRANS REFERENCE I?MDJCA' TRANSACTIONS CHARGES CREDITS (CR) DATE DATE NUMBER ?4 UME 2004 STATEMENT PAYMENTS ANO CREDITS 0093 823300501020H80 AIC PAY11ENr NETACC969 ".00 CR TOTAL FOR BILLING CYCLE FROM 3/28/2004 THROUGH 0/24/2004 111.00 065.00 CR IMPORTANT PAY YOUR BILL QUICKLY WITH PAY-BY-PHONE SERVICE. CALL 1-888.207.0258 TO NEWS USE THIS AUTOMATED SERVICE. PAYMENT POSTS THE SAME OR NEXT BUSINESS DAY. SUMMARY OF TRANSACTIONS TOTAL MINIMUM PAYMENT DUE Pnimous Payments + cash + Purchases + Periodic Rah + Transaction = Now Balance ast Due Amount $0.00 Balance and Cradita 1 Advances B/Wjustments Finance Charges Finance Charges Total urrent Payment $32-00 11 81,519.87 $65.00 1 $0.00 $0.00 027.87 $0.00 $1,502.74 otel Min Payment Due $32.00 FINANCE CHARGE SCHEDULE Periodic Conesspondi Balance Cat?yo?Y Rate Annual subject to FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY Percentage Rah Flnana Charges For our automated Direct Connect service, call A. BALANCE TRANSFER, CHECKS .038328%DLY 13.00% 00.00 1-800.780.0895 IL ATA1, BANK ....... .038928% DLY 1100% $0.00 To speak to one of our Customer Satisfaction representatives, a PURCFIASEB ........ .030328% DLY 13.09% 00.00 all 1-800 780.0701 D. OTHER BALANCES...... .038328% DLY 13.00% $1'b54.18 For TDD (Telecommunications Device for the Deaf) FOR Tma BALING PERIOD assistance, call 3 ANNUAL PERCENTAGE RATE ... 1 .99% (InCIUdN Periodic Rea And Transaction Fee Finance Ch¦ N) 348-3178 Billing rights are pnssrv only written Inquiry, THUS DOCUMENT IS A COPY OF YOUR STATEMENT. IS FOR Mall Wiling ingyirles and all other aecouM inquiries to: YOUR RECORDS ONLY. THIS COPY IS Nor AN EXACT T DUPLICATE AND MAY NOT INCLUDE MESSAGES WHICH HICH APPEAR IN THE AMERICA P.O. BOX 15026 PAGE 1 OF 1 MBNA IMPORTANT NEWS BLOCK ON YOUR ORIGINAL PERIODIC STATEMENT. WILMINGTON DE 18950.5028 Exhibit B CERTIFICATE OF PURCHASE I, DAWN RANNELLS , hereby depose and state that: 1. I am an Authorized Agent of CACH, LLC, a Colorado Limited Liability Company. 2. As such, I am authorized to give this Certificate, and possess sufficient personal knowledge to do so regarding: Customer Name: Doreen M. Jones Original Creditor: Maryland National Bank N.A. Account Number: 5490993999989231 3. On or about December 16, 2005 this account was sold by the original creditor. CACH, LLC, is the current owner of the account and purchased the account for good and valuable consideration Date: JUL 18 2W By SwAaub bscribed to before me this day of 200 STEPHANIE MORRIS NOTARY PUBLIC No STATE OF COLORADO 0 .0 lp 10 0 P P P P P ]p My Commission Expires 05/22/2011 My Commission Expires: Exhibit C 2672952844 N0.873 D802 i 1 i i 1 , • `. • t'. '??.? ? ter k'1':`ly: 44 tz. ??f may. y J.' NEXT80 44 NO. 873 =3 Ynur C"buct With Us r Cm& Card Age ient wkh us ami m d [base Aldf kkKW TVW Of C""C" Ned tM 6XVID M ONed the Rpuhrd Fedeel DMdmms or the Mini D*imrt 1bo eenee ro tl+s senro and aaudluons IIW A$elnont Fotthe Pwiaae d dw PAM Nftr wee era we the *Anlocn in tha third Prrasraph Of the WOW MM. For t rtWbider d t1itApwmanc w Nb use tAe ddln IMS ? the swim hea ft wp* wd OW i« Prkm Nome i Tow Pdag r - v So me; Il v* re CMMIMW to PW4dby you r ** Brian r nod smiau bKW by aonsiswWy top•qualir aervla, And whoa brfXmvtionabout)W Is fimclanarta to our abW to do this, we fully n wpw the imporw* d ? Paysond and acaawtt inbreietloa secure. TO Alfa yat the vridest rsrioe d p10d11Ctti and etrNaes { MM may shine Information about you both vulan 1 MoNA and ouWde of MaNA with odi?r ootnpartiea. 7 hk allows is to aft yar produce and serv m that wrsY ptte+wlt and but facet Your needs, whedw j hlpe d o vompat t. W* vw you Owough our to undetseand our W m w slf fewds, what inllom KIM v o aodrrot, whtt h*maidw ve share. std the batiks yat rea t when mo share inl mm* n about Vw I%* mWoe deeaibes tM prha?y pncdaee of MBNA Corporation and all MENA aflhletes. ktdudinl MBNA Amc" Maki NA, MBNA/Ir mko loWesism). NA., Palledlan 77aval Swvkn% Int. MBM Hallmark Informwtion SwAm. Im. )ANNA Sp ft ms' Irrc•. OW MINA Insumm Afmw?,., M lad v* 'MINA ), for fi sanoial maduels and terviw po+remad by the Imm of do United Sow of Merles. This j nado saplaira MM''s krfor mbm collsaim and sharlm practices and )a you chose wlradw or not MSNA within MmayBNA outside of MIA wonfdr otheroonrpenies. t w--- , fine*& m MWA undenstandwthe irtiparwnoe of proaCd ewd seaman Ilt OMIedon and using K appioptfa> Aa m inbnmetfon about You Is Fes idod on the people of M BRA who require It to provide products at mviaet! to yau. We thattlwt comply With ledasl cur "iwthe on" of itdormatlom When MWrA shares Inbmq Mon abort you vith a xgmdas autside of MO A. we rrqulm them to IrXmn sehilueWs• use it only far a permitted purpose. WA to ratan it w us or dashoy a Oran that p opooe is saved. Nye Iimlt the amount of k6modon shared to What Is approprletl so offer a product ar eervlae aflll- metion from Mw" to inn as Confldenfi yr Aseement aonW nhy theca fpuirsrtrsritr sad obil{agry that compere to Paw the infatuation as we would. i .2672952844 fib.MJ DM4 10otm alve We Cobtct: MSNA collects and uses noopublk personal Information about you to conduct our business and to consistently deliver the top.ctusliry Customer service you expect from us. Sources of this information include the following. • Inibrrnatiort we recely a from you on applratlons and other forage or through Your eoteeapothdentla or communkatim with us including through the mail. by telephone. or over the Internet; • ph bmwtkm we recent atom third pettier. each as cOneunrer reporting agenda, to verify statements; yotrve made to us. or Mlooditrg your employment. audit. or other retationshipli; and e tttfoimscton about your imasecdotri With MBNA and wlt'h other Co npeaies ovtddc of M9h1A Milo. vatlon tine Sbpm WOln I UX& We v* share all tithe Information we collect about you with financial service companies within MRM to oiler additional products or services that may Interest you and best meet your needs. we believe this is convenient for you and tnayssve you both timesnd mwc7- 'ado so. we share identi8ution bdormatlon tsuth as rare and address). bwMaation and a virtenc a information (such as purchases and payments), u*R ellglblilty injb ination latch as credit MPG= and apDUaatiorvel. and other information. The dodslon vo purchase any such prod- acts or servron is yours shone. You may tell us not to shin oedit ellglbtltcy tnfonvyt at atiout)= within MON& bur pisase undeaftnd this does n% prohibit us ftom diving you addidowl produm and taaMces or ham shaft tnrrtsadiort and expo eraa. IdenttlIC00M. and Collet ahloenwgon Within MENA hoonnsn" we SCAN va OtlMM firth thheto time. we n" allow Cornpanles ouadde d MMA, m offer you Moir products and »rvlcas to May Inman you. That pioducts and srAm nay be oliared by financial service providers i surdh as banks, loan bakers. account sweptom insurance agttrts. d wtance oomDwnles, "lop banlaiim and securities b oRetdaalers). by nonlinanclat companies (Such as tiMign. sheet mar- keters, MR, Unicotions compenks, hSernet service ptoviden, wAnubaurera. service wffq nlw iravd agents, cruaae lion, oar rental eqendes. hotels. airlines. publishers. and Wpniiie tone endorsing MBMA financial Products or servk+wl. and others (such as nonprofit orpalxod sl. Subject to applicable isv vie may afore all the )nforine h we collect wfdt doss coitilmnhes at* side of MDNA, unless you tell ns not to. Additiorafly, we tray share all the Infatuation we cWha with owwntes that pofbtm madrethig or othher service on our behalf or to other M*rKW tnatltutans with which vie hhme taint wafting agreements. We are also permWW by law to share information about you with Other cmpanies in amain dreumaanas. Pot hnetanee. we may share all of the Information we collect with companies asalstk* tea In SCMdne your loan or oomunt. with companies that endow our Dmduas and services through affinity agrestrants. with `ovemment entities In response to subpoenas or 44 hD.8M GM regulatory reauhrOW11, anq with COM OW reporting agencies. It you UP us not to share Information with companies outside of MBMA that wish to Ofkr you their products and services. as described above. please understand that we will continue to share Information In these additional circumstances. 6apotdad Idirosadoe About Tow Want we're dedicated to al oft your needs • and to respecting your Chok" , me in to privacy. telidb?Y you array tell us not to share MMVMM eritldrt MBNA, end You am tell us not to shoe information hvith companies outside of MONA that wish m aka you belt ptodim and swi- fts as described above. if you wish to opt out of such infontadon sharing. pieses dl to-tree 1-M&79 1-1275. Site wflI ask you to verify your identity and the spedfk aeowns to VW the apt out applies. Ito ply have all your account. m rAmrsbhp, or reference nutnbets and your Social Security number or Towyer Idenacatiori nurnber for depoalt accounts available whM you CAN. MM applies opt outs at the account level. not by individual Customer. Whoa wqr person listed with others on an aMMM apes Out filar example. a aKVOIc8M joint aw au* tholdett, at atnltodtatl useA. vie vG Ilot the COO account as having opted at. MBNA VW COMMA to adhwre to Its disclosed ptvocy practices for we account even If It booomea Inactive or fs cloud. An opt am from information sharing on an account as depatbod above. ddter within MBMA andW with ies outside d MM& remd % effective unless rev 'In whiting. Federal rs+ptlatlons requite us to an nual bash. whether or not an aaoootntt has prtitr ou* opted out from either Ow d informattort shsrhtg, please rem anberrui+en you recciriveoorsobsequentnodcoothatairswin previously aptad out from elaw or bath type of information sharing (and not revoked In vnitlng) doss not need to be opted wt again. To notioe updow and replaces any previous notion from M DMA about the prMq, Security. and Much" of lrh1101mwdott. For addidatsl Inbieratien nice r? wtsioninofthis Interno4 and to the the pdvw notice. please to to May -inhrle.mm and dick on "Wmey Notice.' You may have other privacy pro- tections under state laws. We may ateheehd this pdvacy notice at a time, and we will inlaeen you of dwm a as mquhred by law. -Agresarew or Tru t Card Allasno r mama these Additional lwnhs cad Conditions and the Requhed Federal Disdanas jar the Initial DisdoaaH rod my doom we raaae to those EaanWAU hem *MID ehnne. limrand Your anew each and as of the person Mho are f eTaeread accept. or we an amour we mold. 'You. and *Vwr alp nun any atf+er person wive has prawbad p?r?eAt d Ms accaunt. rdnn and iw titre saraioas erehYd Wa Alay irMar ad Ranh! sd¢a.r fi and of dhfaamount usedMSuch shine sesYlaha a. 2 672952844 fO. 87'3 VMS (Yew rro,hr r F* and F w Wr Akw yw Pe mw*. Ior eumoi 'we - .uc-oue. #W MBNA Amerfts' traan anew, America Bank, N.A "Card- rneord oil the credit cards we Iowa to you and EC airy ogler persoto wjth WtlMiMion to use chit KCOnnt purwaht to dins Ae "mfr 'Access cheek- truant -a SCUM drcdt ate provide to YOL make a Owdt Cash Advance on your aCmn- if w- use a apkahud term in this docunnatc but do no% define the term ht olds docuiawit the twrm has the an nin direr in the Requirad %deral ftclosurn or the Initial Disclosure or as used in your wmK* statement. we ust salmon heading; puck its wads Urd Wien in " Admit ail to organise this Agreemea. The actual term; tthh-khpdi t ore In the senterim that follow and not SYR Your Card You Mould Op your card before you tae IL we he mommor all- Rim T&Pfjm Cad, You onaaent w and suchoft MINA At wkk arty of its AM aft p b nrsrllatint alsociaw to monitor a uboor terwad w. of your tekphorre Owfiersallprlf wkh our "Pamtatlves c the nptesnttotlva of any of MOM comparda. OWN Rapp ft Agenda You authorb a MINA America to aollw lydonnseion &Wu- 1 eretltt-OCortafromOoruusernMd You Whave we haw Nuilshed Insimunate or lttoomplet Infotmadon about you at your aemvat to a attlk rpordal spscy, write us se: Mbtdlc Credit Rspw ingApnctes, P.0 Dolt 17014, WitrOWN. DE 1011114.Mc Plena Indwk yo name. address. home phew mm*w and account number and whet kve err Hew to use Your Aaewft You truly obtain dock in dye farm of Pr mmm gad Cas Advarm by uattft you nags. scans chedu. momat Purr. b-r or ether tYedk detass. Plesaa rater to your flegWred Fidsnal Dlydoluras a srkW ci doRm to do n &* whir m-h-actions; omutltute Punhaas ad Cady Advsscss and Low you my obtahr thaw. TMOOCOR Diets ft C oak CA* Aditafft 11be transaction date IN Cho* CWh Adman and Bola Monshra done by diaelt k tha dsa your orpwaa to whom dye duct is made ttsyabk filet daPWW at hdm i dwrk tha tramwotien dat- for a WA ned psycwt (whld wfO than bedssul lades a Unit Cub Adwral it the ME OW the corrlrrponcEn payment Poond to vow account. MM (PY U" YOW A"ftnt Ybu may use your emoant for Pero m unlit, a w ClUn ones. Yen May not an your aatownt for busirneea or eommwttdaf purpow You "Y mat sae a a" Cdr Adrurce. or dry other Cash Advance, to learn a payment this or any odor aeot gooowtt with its. You may not use r pwArm your aoootalt tv lee used to males any lfagsll ttsnssct Pet?ron UAW Your AGOOW If Yea pumit any person to ilia your cud. awsp do somrit number or ether allot dodo with dw A thud" to obtain credit on yow scOount. your may be lsble for i 4 NO. 9'73 PW t transaction made by that poison. Including trsnsactlonn for which you tray not larva mended to be bilge. van if the wnowwtt of those V"JadiorK csuraa low crsdk lhnit to be aacoaded. Authorised elite of this account may tare the ( asmar notes to WortnO m about the eot»unt and its users a the account holders. Hefv You Mai Step Payfusfrt on an Atari C l" YOU Lary ,eyuW a coop payment an sn aww dwa by Pork" us wh the across drdt tamlber dollar -mount and peace eaaWy ss dwy appear en the saoess dlsde oral and written SLOP WOW mwn - anon stews duds arc eflichov for tdx swndrs fiver tow dey that we atlgca dot>wP paynunt• Yen Mq Not ProW, is (pt ArassChid You may root Will a pcetdaoa 1 viom dret# on your account. N you do postdate an am= do;k we nay elect to how it upon pnpnarnm or rotten It unpaid to the wrswn who ~tod It to ms lot psyarera. WWOM In dd w case, wskin for du- dame shortly on the amass dw* "-ne not Ilable to you for any Was or expense Inannd by you arising out of the action we Wow to tape. ' YOW P/islNtaa W Ply You pterala- 110 pelf us ON anroriat- Of 41 allot you obtain. which Walden all a todrsses prd halt Ma wet. W a slap plomiN to per as all the amounts at fkroaoo dwrem bag. tad amy other vwwCftw we dwrp aping yotrscamot, Pa wants ew YOW &gliil et You anal pry 43elr mrond% at ism OW TOW MWWM PaynMra tow *mm on your Magi y sta tawd by your Payaemt Due Dap. You may pry the aRhe amount owe us at dasa: hyasesta mods k, and dint odors ale tsamarr Shan ih.'fba) J?IhYtrurar *tiynrart twe.An not alfeet yoer cbltgapem to raise 1110 am 7er-1 kommum lt-y-lent Dirs. tt you orerpey or if there k e credit bslam on your socounk we will Act pay Ipmwat on stick a ocrurA , we will relva psymose that anerwt drawn M U.S. dollota and those drawn ea dasrtdrtk iaatlurtioas bolted velwde dye unload state. Paymism of yourulal Mhrlawm rsymatt Due may not avoid=%wow& of Ovedlmk Fns. Wtsex Yenr Parneat WW Be Gww d to Yew AaOod Vie credit psym mirm a of the ON indeed. Y the payment k tl l reatalwd by 2 0•m !>rasUSrn 7in101: (21 rtacrived at tM address shown in the urpw lab hand oorrw of the front of Yowr monthly statatnmt )1) OW with a dsedr dream in U.S. d0lkra On - US. our WW imitation ore U& dollar money ardar: std (41 amt In dw rsix m ateelope with may the top perdoN of su anwt -etomp-aAN IL Paymertb Keefvo0 after a am. On err day. bdwing the Pgww4 titre Dote, but drat odic wine tm W Ilos -bore requhsmew, will be CWMW ea of the OW d* OWN few se y odnw peyemu may be delayed up to eve days. Her We Alba is Yost Pd#Xeuts We w1R asoaw Value astiatauas is dw rnsniner+ae deosmith?a. m moat IrWWW t, we wRl aafoarte your Poymeaet w boleros Ilrldudlat maw naive tlm with loasrAmt br1Qe balances with MOW APRs. Thk wi11 teak in bpi frat-nM vD bo* APRs (wch as those with Pon otbnsl APR Olfers) bulnt paid a, S44 NO. 1973 pm btlore am other emstirtg baiancev PtM&e to Pay AROAc to M PsMxS All persons who Initially or SpbaequmlY IegtW. tctxpt. ilorwire. or five the aroma are indrAdually and together reeponaible fa any toW owalandina balance. We nuy refusi M Rho" frame Iimbi ty Qty person win is mpom1bir to pa% arty fatal outstoWMAI brlartae. until aN at the onb. access checks, and other oedit devices outatsnding order the M to an and my suO penion l total ouutsZundmi baknee owed tD vs pastes repms us t?iv at any time under the M ma; of this Apeownt. Dimwit you will be in tidatllt d this vMWOht (: I I I you (td to melee atgr requited %ol Minlanmt Pataatt Due by Its N"w Due Ow. 121 you tml outsmn rag belsao a mods our aed'- heir: or M you bil to abide birany ctberierwh of 11115 ASMIM . Sohy for tM pwpoaea elf d intrrg 111*01it y and pni ntum payment obllpdans for tlta Iioonnaalt vedit insurartca puttliNed thtohlgh IilBfiA. you +hill be deemed in % apysys of IM Pty Dtlx tom. bw vo too CWciim my our Achas who yov daWk doew not wham that we ant unable to am- cl-e those tMitta upon later default. Wk" we M" RSrr<ii'ItllMass cede Ptglme you`i?? in default, we an "in itraoediate paymen- of lour tool owmading balance am. Volvo pmMbited I. apptIable taw and except a arWrwlss provided under th- Atil uft and IJt P wr v aloe of this Agreement. we con 860 requite you to pay the costa we inwr to any aoliecdo Pmcvndh* at veil as wasomible simorea", tees Out ref. 7M account [of leawn to an attomey who is tat our O>tflR PitYf?fefat Tam _ We ao sow late payroots. partial paymms. or pay mwrcs with any teatictive writing without loafing any of ou Y%hts under this Aareemeta• This owns that no payment IlKlmling slices nta hod wleh'Peid h+ tvk* or with any othe reatrictiva words. shall opiate as an - q 'and satia<aetl• without fife prig wektpi appsowl of one d ow aealor oR, You may ua Nee a postdated dwdt to make a payment. I Yet do Peaadett a Payment Cho& we mivy elccl to honor in etttta Oft walling IN the date petted tit. vkhax? e tttowneathedredy. WearlsuotlhWeteyoubratryloesor aR? aoeiwrd by you tlriairig cut dtM tatiott we eke to PArmsxt Holum ?.._._? We may allow jh m lima ce tam to omut a emote! payment. Wet will oW* YOU when this OPOM Is awifabi you MM a payment. Mann ehiv*u and say OIkable rill UMM on your aonous t to acoordartp with this AgreemeAt You must rawn mahbtp ytlw TOW kOnimt Aryatent Owe each naeth 101towiag • paywnnt holldry. MssfutIM Md& k Fetjf Get' e1e[ It you fns a watsatttam in a?fotop euttemgi flew trans. wig be cwAdW by via WAvaistwhal at Mastoood International. depending on which esrd you We, loco a i dohst mtount in a, N, Isnet with OW opeatkq repAnk cametstm procadum in e4ecl at the On that the trans is PMCMW. Culoistly, those ngulatione amt Wooedw poddw Mst the currently oonvegicn rate to be used is 962644 NO- M DirJ09 I i l t whohmit market We or 1210 $OVW rrlee6.rttandated rate in altea one clay poor to the pracessieg date. incramsW by one per¢enr in each etas. Vim at MasoeiCaed MIEW this one petar I as Oompensedon for polorninb tills aMOICY cotiweraion aenaee. Tills axopacy am ues on rata ineffect on the procoeving date may differ ham the rate M elNKt on the tnanaaafoe date or the pM Wq dace. Nft CO& _ Your MILIng Cydw ends each month-an a laiodng Date da m-odned by pas. Fact MINT{ Cycle belft oa the day albr the Clogng am of fife pievloaa b0ling eyide. f4k h stetanlemt TvRetts a al"k big" elde. AC=xt AM It11d C1g4/lyla hat` bit?yw R**&vd Fmh* nladessm or lowd Dbdowte, m dweed as Piclimm in the bO tlg click In WMM the Jana aeon 11) a LaW In Y the lbW Minimum P?? Due Shown an you waWsy statement io not s-eah ed by was on sir betwe its Payment Due Oast; 121 an Overlimit Its If your New ¦alance Tbral a",pamck your. awn Nmk ca the left day of a billing clc* even N twat or finance dtarps dspW by to cauw yawr New klaeoa Tool to es>cead sow awdic Nrak: an Oewriiaaic lee Is dmpd the the, to ym al account of tam tM day in this Wft on yoouf account eemciids yoweraat limit: 13) a Retuned Pop" Fee Y a payment on your amv wit Is ra med for k1aaAldo* funds Or br any other rsaeon. even if It is paid upon at&MViot ptwelRmtent: (4) a Returnad Cash Advance Cherie lies Kw asti m an tweet chadt mtpaid for sty mean, ewe If this now chedt is paid upon ehbeaaaenr paaemt ML. 13) a Copy fie breach copy of o «la+tllly watarnaut ar sales dice. ascipt tilts the a* ow mom wica fY atltsrlrerts and ax mks drahs will be pwAdeil br Ism and 16) an Annual Five Y your ism nit is open or It YOU maltmain an aoeount belim. whether you awe Oahe cl ar ft pdvi- Itlget Or SOL a9i I's k ter l W, yyMok sectrm pulrhasa. tar s? ccia n?by us emocia nd with cwnplylng with so" Maw asm 1W *W your Ilea ar ddddiatges dot Dkdwwm initial Piacl your account. Bsneft acco x Unbse?agonaaly made a pot of ft AgeMML Oft luck bivrreMg or anvlcea ate trot a watt d tbk Agtwwwrwnt but am ttobiaCt to the ttnats std sevOkilaia olwNnwd to die b wdits brodwra and afw abol deeatiattra provided to YOU hM tithe to Woe by or on by W of m@NA Atme4w We tray adhiaL add. or delete Wallis and mrvkn at crythen mad Wkhoet ttotlp to you, d to? ?H?o`fltiw Yaw Acgrft We an not maore for rimy read to how y`othr t This alt bhdvda a mkw to hMM voor am or am" r 06ft a arty check wlttei ou your aw"Ot. Wa are woe w w fey any -Imbon at soar card by u L any alter bank ce any providw d goods or stlmw. s. 344 NO. BM M11 SUW14X a tranaaMOn dW resaita in your toad ouahaedrng a ante lava a0thotlasabmal eaosredinp foot aedit lunit. we man )52844 NO. 873 D010 (I 1 winit the wwwaalon without wool yoer cme bftt.11 mml the trareapJon and taut the smoart of the trartaaair We May Suspend or Close Your Account that is more dran the osdit Un* a immedle" due: or 131 We may wtperid or those your aamunt or odnervrlse term: refuse to permit tin Wnmaw*L your right to use your aamunt. We may do this at any time e. j Y we tduee to ptsrnR the tgMleQlaa, we my adNae the for any tenon. Your obligations under the APeamern ecru I Peyeon trio attonpted tM mom lint ft ha been a 1m., even alter we have dose this. You mum den m all cards. m 0 vm whree to permit a Chad Cnh Adrwo or volante edteds, and other at* drvlaea an the aemuat when we rest Tr Oft roe ww do so by ad.b ft dw Canon Parenting the that you d0 so Chack Cssh AdMamoa a SAM 7MWW that OWN has been You Mall; Close Your Account rtfu , that tie e m inalatldaot funds to vr9 tit Cheek Or Adam or laww 1lra wk or in any Wier viann c You may deg yow mew mt by notA ing w In writing o• K we have pw4aualy p?m wed yw to woad ywt aedlr tekp and datn0ylof all cards. atx? checb. and DO: 1 limit, It does mot maul th we WIN gamin feu to amm yo? credit devica on tha aoeeun. Your oblWilons under this A e t w f h ti credit 1Mmit spin. if vm dacI I w pwmk you to mood your d i Ov m d llmh F ld gr emen wn et a mrs tw you eMe done this. 'ih umidions W Your Aa Wgt Is CIM n w mp an ee as ptov er e whoa yow sotwet is clued, you am conwa anyone Ufla dbrkw Use of Year Caed atahw ed to ehsrpe trmeacrions to your amunt, such ac Maw acidly us Immedlately d the kw t dt. or Poaelbk Inornst or 'a providers bomb dubs, or Imurana o0rrnpan unauthr Ked use of your aoooupt ore 1-N0(I•YNe 470). That trMrpKttow may aontinue to be c hwW to your Yon Mat M* Us Wkex Yen ClwRgs aemunt until you ehanp the bllllrrg. Alec, If we believe y: haMe MAhWded a Vaneaaion Of are sttempMV to kW YOB Yaw Addrdn account arts you have mgvuud to done the account. we msy Am the tweacclon to be charged to yosr amount. wa a a Maep aeauste noonk for your berialk and caws. The pat erdim ad other mar no* us of a &Aw re We Math MeoNd Firs ANNE A1'-114 yaw addtas, When you donp war adodNes. you must nail We may amend thin Agasment at any tine We may amwW it by adding, deleting, or charging ww4dons of thl• k us pm nwtly of your row a adr air W*4 l w AppileeN Ag,wmare. Wh m we amend this ApasmenL we will corn; with the applimbb notice mgWmmeM of federal said k 11dt AWOOWA ?t b auk Mehmmm and we eaawtd veil: to you hots prism n 7hw Agmw-% k Noaam.d bir the DelaWrane law that ate In .rhea at that time. It an amendm, elves you the oppommity to nape rho dwrrge. and If you Iaws of the Seats d oslarraaa h att?Iga1dmid conflict 0 Isere pt wipleal and by any appgtsbh lidetsl lsv4. reled the chap In the manner pmwWed in such amend rnan we may terhnlnate your, t to aaelw chedM and mgr T/u IP"V si^W o f Tft A9rio Xwd Are art you to rmm all aodk devices as a wadltl0n of your releabn. the ammdad AgmerneM fineluAay any higherr or aunt higher ehargae Of 111111101 wIN apply to the total Qua C N ,`try pwviri0rr d this Agrseawot to Rond to be invalid. imWinp balance. hWudiap doe balance a OW4 befog rho the rsim"r4 pronrabas willa cintinue to be efkatlve. amendment becon+e effedhoe. we may replm your card w another nod at any ttrrht, r tDYr )l ?tg Clll>NRlie We Map Ssll Your AecsilrRt + Out JIM= at dally in analdes aqr of act ?y Under We Apeement does not mean that we m Unable to anarcba we array at any tome. and without noto to you. ail. aria f l am rills Isar or trene er yarn aooo m say warn due on your account, thi Agreement. or our htlbt: or oh i artier your stm nt Ar WR A> of n this Mawnamt to nay person of wtft Nbr The person or eatlt• to whom we mane any await wale, w4inmeat at transfer OU ? i,1ty.?ph taevidon app Ns to t?+ a ? artd ?yeu. whew you wwghen die appptpradty to riot the Arbitntior be entitled to all of our Vita andw obiotions under this ! and Lwpdw prtrrislona end fat did so aelaa then. In the Agreement to the anent sold. wyrnd or transferred. i rrramrw sad thaebWme ragt IF4 If you rid aelett efiadhely You OWN L3Nirtt V.4 a ptovblen, you sgtead.het any Ndpdaa brought by yo! aPinet ue seprdit this amoomtt a thin shah Apeshrwt be Your exdit lima Is dlaclawd to you When you reostm 701 } brought in a writ bated In the State atDalewre. wW and. lenveily. an pelt nomhly statement. We may ckirKe yaw credit Nrnk from tier to thee. ! , Any dahm or dispute Mlalml by sither you or us a0fta the atiW. OF aphrwt the wnployees. eogwas. or asdPs of the The anoust ;low on far mioaft staamem: as Cash c Credi A l bl k d ? othoc afth* foam or rdaNmp in nay my to tide to ar r ew rior A t Wsi ose not ta e e e Moe s Wmn any Pwdheeae. g p P om w your scow" (whether Cash Ad*mM flnana duspd, has, say ether tnnssalon: ; ataauea, In ennead, tort. or atlreeWew and whtadw for mosey or credits that poet to you s motint a* the Clamp c*e 0 t daemaps, pens W or dadsa my or eglahable Mo. IndudipI that mwKirly Maineu such tlrrhpeuow wuld muk in f C611ft roP ml tine s"WabN4 at this Arderaton and far eredit IMmt being esowded and FwA In tits ass i ssmer Litipdon rertlon a the rsltdkT d the wrtie Apseateat a of Ovw%mIt iwa. aid PtW ApewhmK, shall be robed W birdap erbitmdon 1h bl l d h fl a What WO May Do tf You AttsN$ to f . ar aw 0n a s r erhdacled ry ore wnent h Arbhratlor lrxceed Your ClhsllJt LJwft 9 lhte coal oundud ft babnw on your ocwm pia stghorr:.. dw a st any time moat not be more than yow aedht limit. Ir yc B44 NO.873 (7013 ' CREDIT INSURANCE BENEFITS. ?672952844 N0.873 M2 Forum I-wr'I. under cite CM* of procedure M filet at the Gm the Claim u bled. Rules and *ms of the National Arbitratmn rcrum may be obtained and Clime may be bled at any Nstkwa ArlxWMn fMm 4aMM ]!>M 111,0 or .0. Boas 5014: Mk Mtsp AK AMnrtetata 55106, telephone 1-BOP474-7771 if the NAF Is unable or rmwABtq to as a, arbitrator. we rape a OA*ute anadw nationally recgnitsd. trdeperNignt arbf- traacian 4trgiodwoon drat uaass a similar coda of prooadun. At your written regneet. we will advance any arbitration (dins W or adntittistratiur and heum lees that you are required to pay to pursue a Clapp in arbitration. 71te arbiuetor will deride who will be uWarowly wponsible for pMne theft fqs. m no event will ym be reWM to rwi abuse us for an; arbitmim SIIr4 adminiada fm or hurt l fees In an amour Steahm then vAm your mart cow would hams been it the Claim bad barn rwtolwd !n a atata 4aooat .rift IwiedtNor?. My arbitration Mrinl at wbidt yet ?Pw NU rate place vfdtin the brdanll judMW district that lkkxks your billing addMw at dta time the Cain Is Riot 'tits arbltratbrt edrt< F*w N made pugsuant t0 a trartaaetion buvW%v inietilatt aomintm acrd stallbe Oason by the Fiderae /Vole OWn Art. a U.S.C. if f-le ('fWl I041IMteet aeon any atbjeratlmrt a owd may be ertated in any ooutc haVirtS le11$Ndtion, 'the arbitrasor shell (chow as 8"VY4 subetanttMa bw to *a emu co u watlt tine FAA and app1101 sOstvw of luettation and shalt Yucca?any coins o.vr-MMU+taoOR- by bw. If d "I wrfta an op ot? can• tdnbttffie 011111111101114 the mom tv th ema the awar No Claim subaatad m a nation is lateed by a jury. and rw Claim may be bwauf>!tt as a class action or n a pivote aNaoettq Ipnarai. You do pat have the 1% ft to as as a class repeewnratM or partidpate as a s h- d a class d daimaates wilt respect ao sap Chaim. TMs Arbitration and WSW= s11ctlon spplles in all Claim ntre in existence or that tnq 811611 in the 11101111. This ArWtrstlon and Lki{ationt section shalt sw(ve the ttor?miitaanattiow of your account vft us as well as any voluntary of the tar ne th11 dibt? in AA by you. any ba *mptry by you. or Porthe PWpoaws of this Nbftr&Uco and 4k orlon Weapon. 'Wand 'vs' gases MINA Marks Bonk NA. Its patent. subeidiari11s. Mhates. tktineess. pasdeoeaeari it sucotsmm directors 6" purchooff esplaines, apft and a? all any *M N OU of than. AdditMm*. tie' or -ace' shall mean any third Pa paoNdkt` banaika, 4 Pt ica6, or pwdtro b apenewon with the account (Inducing but not Amsted to credit bureaus. mer chants dw aotapt aq c;W% dance stied under the aceouttt averd6 a earoYtnent sarwlns. cnsdR ktstrattae wrap -Mm debt colieesors. and all of their e8tc+rs. dksetmrs and aura) if. and only V. such a thkd party is so and w a codaly dent bt any Claim you assert spiree us. It any pat of this AAdInv w and i.ltyatlm 11eWW is found to be iwWtd a wmi amble under an bw or statut4 CM11161gent with tbte he ImOldity or trrtanfarasftWlfgr. THE RESY{.T OF THG ARBtfRKWN AGRUMENT d TIM DWIPT AS MOVIAEO ABOM CtJUMS CANNOT BE LITIGATED IN COURT. Iii LIMING SOME CLAIMS THAT COULD NAVE K9N TRIItD EEPOREA JURY, AS ClA ACTIONS. OR AS fntXVIL ATTORNEY GENMAL ACTIONS. r0 t • CMff MljlritAM Ilk UMA VWMII NOT FDIC IIII{IR16W NOT Mff#IIBb>h ANfI RDOAL tlOMIaAItBAFM AGMMAMOWGUMWTMWTMRUL PL*= tiR CW Cel W RaWtsa? It NOT A COMMON OE OBTAINING CBl M W COIIt? M Dinm IT -0- PW rrtf a F+yartnt' up to your bdance 118tM dm d Askit ss 1„Ot to to M WW 649.000. ?oo?t dei161itor 1A >rwj, wall you rattrm W work" U yov are tnwttrtpsllp 11trerttpiopecL ifaM dsbMd. a d yuu or your spovw tubas maenadfmq leave. Cwdit Irteuranm aim pap yaw itutawed oY fa rWIM balartcr+p to the hart of your ounbrt 11 . balance. W aW% RMdt (not AL. Ai. AK DE. DC. 8). IL, Ik IA MO. MN. ML NY. ND. ON. OK. RI. SD. Vr. VA. all6 wYl. a 511.000 A you ilk. alsOft One bored per amount llnaured mutt be the primary ar Mohler 4ara soap k tt. authmftd awe are act e11101grl. VMIW nap 44170 in AL NY & VA. 7l to Pl.. GA, ML MO i OR 77 Is NMI. Vour covefale cods at there trine an leso11pt Brlraily ksee In AZ FL fr SD i trtanployrnartl, When moon4 cord ioeoaa wRl be mailed eplalekt= your aorarsSt Sdh we data In MM. twat.(oytamtcorara5trfa«?aeti?r, dl deg flaen ynrtr , 1014ate v1scow date Pot veyrrployntatt a ismihr lave bareRtt, you mast be tatrb(ly 4anplayed wo11dag at lean 50 hrerwk (8ct seA+atplgad a an conust vrj for 110 monaaa lithe days blare the date of loss (CO.>bowle pl(atlo+?datak1111A-anthedeteof loess. (TX - berwo wriow eft etive date for vaerepkwrwmt). i5mployea,s of prahsional corpontta go matt be tillable. f, I 1 11- Croft Ins ng" eapw* your death; Involuntary vaat4tployma8 dw M lab loaf, derreral strew. enranbed Mbordleptfea. or ibd lit tom disability due to of ooli or Iryuy K yea arc rouble lea perform the material A substantial dudes at pour job (or aq lob aft 12 ruse. in PA. li mesa. Mt Al. K. AR rA DL. DC. G& to. ux R., w Ks. LA. MD. MN. US. M(. ML ND OH. OR. W. So. TN. Yr. WA. WV. WI i wyR YQW 4¦ four s --- --paid Mare 4tl absence gam emplaJ/rmo clue b are d yoeraaa6an a rawly Amt ad doll or as lrgpadtatad M imedlaA 4rsW alai b u lmo be a4t mflitaY duo ~M 1M AKk er rlaldenoeP In a itderaAy deelrad deastraaa. Lose (net deadel must 4t dnve at least 30 dop bafote bwob bW n. to w. for st116ee, unionised h" dlepotas .5 iodooms. mvlt be vnwrtpio w for 7 4711rraeCoom weds rv waNh for srata unem• Dtoytaent ber4lits bdom ben eft WOL A do*' P te ill is for esch cc km aw 3o jar anengpwpoent NAY 6 PK and disability in CA CT GA NY. MI SC)n You inar anal Ctrs oaareee at any ebrre r elided within the Ant 30 daya of arrenpe all peed car weld be rtfended. 2106m UM &Add@ the &a 6 months wPorso fact MP & M% invaiw "vparn wtc ieW91t Poor ;ton. Voluntary fafdtuse d raoonee or jab foes due to vWW a criminal wAK=WMM 4l?tllkly sltlMa In A.. mAitary dlsdhaga in MY 6 rtorrhal teaaotrattbymeat w ix Df"111.. normal prapwoey or cis? 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NE Ml i 11ssMa on4e let pueAsoe mrori" 01 wa to Natfofwp be @W t o yowa !S!7!. AtlnKt. GA 703NPNNI.h Am 12 L S • VERIFICATION DAWN RANNELLS I, , hereby depose and state that: The language of the foregoing document is that of counsel and not necessarily my own; however, I have read the foregoing document and the factual information contained therein is true and correct to the best of my personal knowledge. I am the Authorized Representative and a duly authorized representative of the plaintiff; The factual allegations set forth in the foregoing pleading are true and correct to the best of my knowledge, information and belief, and they are that Doreen M. Jones owes the balance of $1886.98 to CACH,LLC on previously submitted invoices, which balance is due and unpaid as if the date of the execution of this Verification. I am aware that if any of the foregoing is willfully false, I am subject to punishment. I understand that false statements made herein are subject to the penalties relating to unsworn falsification to authorities. By: Dated: juL 18 2w Authorized Representative CD J 0 C UI 4' ,f 0 s. 00 1 SHERIFF'S RETURN - REGULAR CASE NO: 2007-07430 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CACH LLC VS JONES DOREEN M KENNETH GOSSERT , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon JONES DOREEN M the DEFENDANT , at 2002:00 HOURS, on the 26th day of December-, 2007 at 752 HAMILTON STREET CARLISLE, PA 17013 by handing to DOREEN JONES STROBERT a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge l/03/0$ 9,.. So Answers: 18.00 4.80 .00 10.00 R. Thomas Kline .00 ? 32.80 12/28/2007 HARRISON ROSS BYCK Sworn and Subscibed to before me this of By: 1,4 -41 day De ut S r'ff A. D. Harrison Ross Byck, Esq., P.C. Attorney I.D. No. 61511 229 Plaza Blvd., Suite 112 Morrisville, PA 19067 1-888-275-6399//(215)428-0666 CACH, LLC ) COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff(s), ) NO: 2007 - 07430 vs. ) DOREEN M JONES ) PRAECIPE TO ENTER JUDGMENT BY DEFAULT Defendant(s). ) TO THE PROTHONOTARY: Please enter a Default Judgment in favor of plaintiff, CACH, LLC, and against the defendant(s), DOREEN M JONES, for failure to answer or otherwise respond to the Complaint in Civil Action. The Complaint was served upon the defendant(s) on December 26, 2007. A copy of the proof of service is attached hereto as Exhibit "A". A copy of the Notice of Intention to take Default mailed to defendant(s) DOREEN M JONES by regular United States mail, postage paid, on January 29, 2008, is attached hereto as Exhibit "B". $a88q.13 Assess damages in the amount of*2995-43-as follows: [a] $ 1886.98 principal being sought in the Complaint; [b] $ 619.76 interest being sought in the Complaint; [c] reasonable attorney's fees of atc $ 377.39 or $ 150.00 per hour, [d] . Date: February 18, 2008 By: zl--, A? e.0"' A Z-40:? Allan C. , mith, sq. Attorney I.D. No. 204756 4-to- COO fIr Goer 5Yr 41,1011 S . CASE NO: 2007-07430 P SHERIFF'S RETURN - REGULAR COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CACH LLC VS JONES DOREEN M KENNETH GOSSERT , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT Sc NOTICE was served upon JONES DOREEN M the DEFENDANT , at 2002:00 HOURS, on the 26th day of December-, 2007 at 752 HAMILTON STREET CARLISLE. PA 17013 DOREEN JONES STROBERT by handing to a true and attested copy of COMPLAINT & NOTICE So Answers: together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge Sworn and Subscibed to before me this of 18.00 4.80 .00 10.00 R. Thomas Kline 12/28/2007 HARRISON ROSS BYCK By: day //"De ut S r'ff 7 A. D. Harrison Ross Byck, Esq., P.C. Attorney I.D. 61511 229 Plaza Blvd., Suite 112 Morrisville, PA 19067 1-888-275-6399//(215)428-0666 Attorney for Plaintiff CACH, LLC vs. DOREEN M JONES Plaintiff, Defendant(s) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 2007 - 07430 CERTIFICATE OF SERVICE OF NOTICE OF INTENT TO FILE PRAECIPE TO ENTER JUDGMENT BY DEFAULT I, Allan C. Smith, Esq., of full age, certify that I mailed a copy of the annexed NOTICE OF INTENT TO FILE PRAECIPE TO ENTER JUDGMENT BY DEFAULT upon defendant(s) DOREEN M JONES by United States mail, postage prepaid and certified mail, on January 29, 2008 at his/her last address of 752 HAMILTON STREET, CARLISLE, PA 17013. Date: February 18, 2008 B Ilan C. S ith, Esq. Attorney I.D. No. 204756 Harrison R. Byck, Esq., P.C. Attorney I.D. No. 61511 229 Plaza Blvd., Suite 112 Morrisville, PA 19067 1-888-275-6399//(215)428-0666 Attorney for Plaintiff CACH, LLC ) COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, ) VS. ) NO: 2007 - 07430 Civil Term DOREEN M. JONES ) NOTICE OF INTENT TO FILE PRAECIPE TO ENTER Defendant(s). ) JUDGMENT BY DEFAULT TO: DOREEN M. JONES 752 HAMILTON STREET CARLISLE, PA 17013 IMPORTANT NOTICE 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 TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) 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 NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CAN NOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Lawyer Referral Service Court Administrator Fourth Floor - Cumherland County Courthouse Carlisle, PA 17013 (717) 240-6200 Dated: January 29, 2008 Harrison Ross Byck, Esq., P.C. Attorney I.D. No. 61511 229 Plaza Blvd. Suite 112 Morrisville, PA 19067 1-888-275-6399 // (215) 428-0666 Attorney for Plaintiff CACH, LLC ) COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, ) NO: 2007 - 07430 vs. ) DOREEN M JONES ) Defendant(s). ) CERTIFICATION OF NON-MILITARY SERVICE 1, Allan C. Smith, ESQ. of full age, certifies as follows: 1. I am the plaintiff's attorney herein, and have sufficient knowledge of the facts and am fully authorized to make this Certification; 2. My information is that the defendant is DOREEN M JONES. 3. Our latest information is that the defendant is employed at SPRINT. 4. To the best of my information and belief, the Defendant is not a member of the military services of the United States of its allies or otherwise within the provisions of the Soldiers' and Sailors' Relief Act of 1940, as amended, and as stated in the attached Department of Defense Manpower Data Center reports. This certification is taken subject to the penalties of 18 PaCSA 4904 relating to unsworn falsification to authorities. Date: February 18, 2008 7 Allan C Smit , Esq. Attorney I.D. No. 204756 "Request for Military Status Department of Defense Manpower Data Center Military Status Report Pursuant to the Servicemembers Civil Relief Act Page 1 of 1 FEB-18-2008 09:10:49 Last Name First/Middle Begin Date Active Duty Status Service/Agency JONES DOREEN M 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. 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: hitp://www.defenselink.mil/faq/Tis/PC09SLDR.html WARNING: This certificate was provided based on a name and Social Security number (SSN) provided by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided. Report ID: TKNSFMZPEM https://www.dmdc.osd.mil/scra/owa/scra.prc_Select 2/18/2008 r_j Q ? sk ?v t iz r - Fri Harrison Ross Byck, Esq., P.C. Attorney I.D. 61511 229 Plaza Blvd. Suite 112 Morrisville, PA 19067 1-888-275-6399//(215)428-0666 Attorney for Plaintiff CACH,LLC vs. DOREEN M JONES Plaintiff, Defendant(s). To: DOREEN M JONES 752 HAMILTON STREET CARLISLE, PA 17013 NOTICE COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 2007 - 07430 Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below: By: ?' - 0 3r7 jog X Judgment by Default Money Judgment Judgment in Replevin Judgment for Possession Judgment on Award of Arbitration Judgment on Verdict Judgment on Court Verdict If you have any questions concerning the above, please contact: ATTORNEY: HARRISON ROSS BYCK, Esquire at 215-428-0666 or 1-888-275-6399