HomeMy WebLinkAbout08-0349IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff No: p$_ 3y9 Cjvi 1 Term
VS.
COMPLAINT IN CIVIL ACTION
KEN MANSFIELD
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
06379525 C J Pit SJS
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
VS. Civil Action No
KEN MANSFIELD
Defendant
COMPLAINT AND NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the
claims set forth in the following pages, you must take action within
twenty (20) days after this complaint and notice are served, by entering
a written appearance personally or by an attorney and filing in writing
with the court your defenses or objections to the claims set forth
against you. You are warned that if you fail to do so the case may
proceed without you and a judgment may be entered against you by the
court without further notice for any money claimed in the complaint or
for any other claim or relief requested by the plaintiff. You may lose
money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
COMPLAINT
1. Plaintiff, CHASE BANK USA, N.A. is a corporation with offices at
3700 WISEMAN BLVD. SAN ANTONIO , TX 78251 .
2. Defendant , is adult individual(s) residing at the address listed
below:
KEN MANSFIELD
1164 REDWOOD DR
CARLISLE, PA 17013
3. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number XXXXXXXXXXXXXXXX8307 .
4. Defendant made use of said credit card and has a current balance
due of $27361.43
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 $300.00
8. Plaintiff is entitled to interest at th statutory rate of
6.00% per annum from December 28, 2007.
9. Although repeatedly requested to do so y Plaintiff;,
:Defendant has willingly failed and/or refused to ay the PrinLPal
balance, and accrued interest or any part thereof to Plaintiff.
WHEREFORE, the Plaintiff prays for judgment against Defendant,
KEN MANSFIELD, individually, the amount of $27361.43 with continuing
interest thereon at the statutory rate of 6.00% per annum from
December 28, 2007, plus attorneys' fees of $300.00 and costs.
armbrodt, 42524
WEEINBERG & REIS CO., L.P.A.
43h Avenue, Suite 2178
Pi, PA 15219
(47955
(4 7130
Ja1/0637ggh525
WW This law firm is a debt collector attempting to collect this debt for
our client and any information obtained will be used for that purpose.
Page 1 of 2
Statement for account number: 43251570 0241 8307
New Balance Payment Due Date Past Due Amount Minimum Payment
$27,361.43 10120/07 $1,619.00 $4,123.43
Make your Check payable to Chase Card Services.
Amount Encosed $ New address w e-mail? Print on beck.
432515700241830700412343027361430000005
28420 BEx Z 26801 D
KEN MANSFIELD
1164 REDWOOD DR
CARLISLE PA 17013-1378
CHASE 0
Ilrrllll Ilrlrrlrllrlrrllrrrlrll Irlllrl Ilrl,llrrl,lrrrllrrllrl I
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
1:50001r.0281: 2 5 2 700 24 18 30 7 711,
Opening/ 119 Date: 08!26/07-09!25107 CUSTOMER SERVICE
CHASE Payment Due Date- az3 07 In U.S. 1-800.945-2000
'
$
a
Espa7lol 1-888-4463308
TOO 1-800-956-8060
Pay by phone 1-800-4367958
Outside U.S. call collect
VISA ACCOUNT SUMMARY Account Number: 4 325 1570 0241 8307 1 302.594-8200
Previous Balance $26,602.87 Total Credit Line $25 850 ACCOUNT INQUIRIES
Box 15298
Payment, Credits -$24.99 Available Credit W
l
Purchases, Cash, Debits
+$102.99 Cash Access U. DE
mington DE 19850.5298
i
S25 B O
Finance Charges .$680.56 Available for Cash $0 PAYMENT ADDRESS
New Balance $27,361.43 P.O. Box 15163
Wilmington, DE 19886-5163
VISR US AT:
www.chaea.coMci??s
Your credit card amount is past due. Please send payment immediately. Call 1-900-955-8030
(collect 1-302-594-6200) today.
REWARSUMMARY To redeem your points, call the number on the
Previous points balance 13,138 back of your card or log on to
Pointe earned for finance charges 681 www.chase.corNcraditcards
Points earned on purchases 0
New total points balance 0
Total points unavailable for redemption 13,819
1,322 points to expire on statement date in September 2008
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Correep. Average Deily Due To Transaction Accumulated RNANCE
Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V .082169/6 29.91 $22,274.62 $567.33 $0.00 $0.00 $567.33
Cash advances V .082169/6 29.9916 $461.90 $11.77 $0.00 $0.00 $11.77
Convenience check V.08216e/ 29.99% $3,983.26 $101.46 $0.00 $0.00 SIDIA6
Balance transfer V .062161/6 29.99% $0.00 $0.00 $0.00 $0.00 $0,00
Total finance charges $680.56
ERactlve Annual Percentage Rata (APR): 29.99%
Please see Information About Your Amount section for balance computation method, grace period, and other important information
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Elfwtlve APR represents your total finance charges - Including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
Your 2007-2008 Privacy Not flcation is enclosed
for your record.
This Statement is a Facsimile - Not an original
X- FI333335 D 5 ... N 2 25 .1 r l Pepe 1 d 1 0.5885 MA MA 2612. 2881..pp.50002842.01
https://instantimage.bankone.net/Star/isp/Printbirectly.jsp
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11/16/2007
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M%12575
Cardmember Agreement
ACCEFfANCE DFTHM ArREEMENf as he card carrier
account us tod
smaeMgavornsyohKUodscrr of yo IF aacccouatisscoveredbythis ep "moot
This ago d Jar 6k ")count Any Ore ram tar to Pity
conta 'be pl"sse serend the 910" egre ema°1 and keep it ter your records You solbu
for and charge Yew ate on o tt Accour t, as will asiar lees or rmsoce charges
Ingather madhrdividuopy.Is a,pwaibiaForplying
p"yy us for amtra?tied m06 a' ade VOL,
If thhsk a itibrt oa °°° of You
m account Is used txoda cerd wlmn you receive it you full be Mod ?n his
em amsonts owed. even i thr
B
Flom sign the back d Nus?orized by You use Your eccobm 101 any Purl by 1*
egreemantUyou or01WhsthefYOUuse your account waoLyou WIN be bound rd sod
You don't signycla Coco, yew actouaLwithin 30 days ,IF receirh+9 Y°Uf
a grsa n unless you ma aaccmtrnt far toy purposr
you have e not coned Y der yvords'wi , is "cool "opt" mesa Lbare Beak UutMalin
Throughout )tole event and account 'fba yvords'joe. yaw' and'rwa, ppl
the issuer of ceir ble fur cempfying with Dols sVrvsnwnt.inckdbg ft Persoawhe aad
parsu°s reap ersos to whom we address bgRng sutsmoats, 85 wet es may
for theaccDtadurdbpP on theectouotihewDrd'nrimeansoneorcomes cards
pparson who ngrew
or odor access daviees, such ss account rwmbstr. thatCosfievc issued b Pa Y
to obtain CFO& under Dm sgraement
Y or arsonat 1111071 °r
UslNR YDt7R ACCDUN f
our stoma, is a consmVI recount end should be used only wAaotbe responsible
household purposes Urdrsss`"aw sod or required sad tfs ?ough use of your aa°1 you
for mmbondisa or swe' ter valid mod lawful transactions For axamplo.intermt
promise to an your account fY men his ace our responsibmdYlD resales sure dot you
gal rnbfirril amtr to mlagal iG sometai a treanrtions. and YOU will formula raspood
use your atcounl only lot pmm?ssrbf r.,wssibb
F%Yhnm lof a tramtectioa orea d ft is not pa
,,Pa.ofTranaatricorr cold ropeyfortloof>rnrserarcss_
• Porcbesas you may use your =ash advance cheeks or belenct vmsf"r chocks es a
Checks We Coy provide you nstnetd as s check or cberks
wayto use, Tom stwNmt we We relar to them Is this ag serous .
Yam may age a chick tomfor gDadc or sannces, to uaosisrbabncostoyntu
or for other uses we slow But you may rest use these docks to tramsfu babacss to
rho account from whir eeeomic with us or toy of air robtad cmmpmdes D* the
sfi
Ponca whose amain is printed on the check may sing the check Ca advance chocks
Kra treetsd as cash advances and balance transfer chrda are trusted es balance
transfers wccapL as owed in this agreement or any olfur we mats is you Ws may treat
check:thmtwaceB=ash'oral°ncnchackssbalance uansfercheck; checks
OWee
that we cam cotrrea{san cheeks and thetwe Indcstad w you are subj the terms
For cash advances, may be VV mind or cash advances and assessed Cashadvanco rates
and fees other eccorie s of James with other
• Balance Trtmsfors yet may vntufw bebnces from other celsace irrnshustvs Dow
rued! carsfesuers w wherlsnders Is this sccomd, or _ 30-mis whk as or any
But Vast am r n of a "Imlor I a portion of s raq°asted alm=s barslarw?i ?s???
of
your
of out etatad cwnp ens a Paniaf balance waster up to
aveaable cmdnt fine. we maY poet
credit far nor our acrd to get cash front sotmnabe teller pmrJimes. or
I,am Advrmcrswiltmay Y
foam Pmarrrlsl y orde orders, acapt the card; or is obtain ergasr or to trbomlaltsrt'
curremcy.m,ve? rwlntransfers orshn7er cosirtTa cb ctimns You
tidtals.cESbaQanim/chiPs,race uec`wagers or 1w similar tarlrurbsbat'andbllftPrY?'t
mgyatsq an a thi?:eMrsuman to raren r psYmh'u
in this sccDtaaL latad
. pvardrall Advaeeas: m you hsvs on etigfbla cbscldniteo acctruuntn?lwith ow we a ol 019ourrebent la ralstmil
banks. pop tail fmk this aceoum to your checking
rover an m" reR m that chscbng account under the terms Of thus amesemarri and
your checkhm necouat egreomant
csged'bgbrn
Billing Cycle: in ordertetdmrage your accwmL we divide rime into penods
rydoi. Each biting cyCMis aPprDSiMinl us is oleo t iiv n[p Y furs misimar hmmilk
yew aet:m"d v A fain a holing cycle that s statat" I
blaff cycle ending a mach calendar month whether or rest them Is s bftg
lorthatbl a Cycle•
uthmdzed Dsts= U Yea slow tmmeDna to use your setourrat that pars"" rliQ be so
can
authatzed "sec You s1muH think carsick bap parson to use Di ag ocea nu to m 6as Vo1I as
eudtstil 11 to er bstemse_ ire are okowom"ll tng tbs account and tack card ins on Your
mecoYea wittart rettte}a pa is Drm s tsforrnrs of st i this ass e°gfresmyDwsnt This imehtdell ytmtr responsibility eccordhrg
paying so eMrgas an yew ncaow "rode by in authorized usaG ecCOpnh ii peso
You sty rgrluam an eddrf°aid Card fur use by Be muthorizad over m Y01a
do so, this etc eel nuyeppez on the ersoa report of that suDmrhec =r acermnl It
You must nouly us w torstinole atcount rndor issue a naorol vrica?rd OF wrdswrth a different
youount ue w
, woo tray class accountrmrm6ec Yae shotdd afro recover and dastrDp any cards, )hark" or any other
ntesns of Access to your account from that authorized user We may ales telex to the
Fredd has Year ermatfne eppaets On your Wong statements show that
crmdk One is a Credit kart of sparrding arnit. Your 1m16ng statement also may
oniys pardon afy°urcrsddRns maybe used for cosh advascss L ? ° nclud yvar
Erilrino cash o other t cheats, era srnad against =a your credkt? You era tespmhsibie lot
and am "drat trprts dion its charged against Yu es. and
keeping track of Yuor ecconrrt balance, inedng any tens and fmann thorn
overyDur a
mrekhan suns It remaiacvn belowhaor ta"il" roe U yDUr accscartbafeoee is adl
One for any reecou, eraT csrge V., en Dverfmrrit toe d b this ugreemsat
d[ r"., Yob "Cost
ra ulrad too. sWWI= rbarges that g to
Wo neyav? po usdit tine, and you must pay as 1°raadadoly if we ayes
;M yaw
a?graasafsd slipper to any balance over year usdk fait or the cash edwoce
At owdoxrstium," mayincreass, 196M 16 OF Conte) your cradiUn d WE not to do so. we
porsfw of your credit Fmm, at any nhae HawiI V you have stud
wimeotfs+crreseyowcffadsfma AcluagatoywucredltFnrwAoalsUactywrob6Qeimn
ta pay m
lsiermnGood 710-9 floor fnlnreadoosl transactions
or the Unfold Sods of Ammkn that You
make le a tuna cSfeacyar the yno stalks Wca
if k Is made in Us dollars V you make a fraasecdont In, a ftetmipa cumary.
lntareetiuad or UpswCard bdwombaal fur, WZ coutvert ds tonsseiba Edo U 5
doSersbyesfryis respecuye turnncycwn'arston procsduras 7110 aschangs me each
entity uses 1, s ,w°A curr"nty is a aw that it selects aRbar b live rams If rruul s
evoiabis In tlm wholesale currency markets fur lhs applicable processing dab the
rata my Warr bnm the nu the raspsclhva aa* or
for the
gwaremaul wwglad rats in effect mdo appfresble processing Met The us urtect
on 1M ?)ds processing data msydUlarhuma the "Few = i dor duns pyor us p i d the
or ecsom 1Mn reserve the right to cbotgo you
lly
us dolerNag" ofenykomadataftramspcdeawhaDW11111ttrrnssadtaU.S.doiosbY
made in US dollars or was made in smudror curroncy and carmrerle
Vist or MmAeafArd Is either case, the 3% will be calculaud w Woo U•.d?ama amount
pravhdad w usbytbaturaT Tho same process and charges rmyappff' D
Uanstcssrsad
RaWedtsAndWl?m?-GeosotdauayVamay,bm en not ngeritsd t", daetine s usnsae6oa
on youret-, - l for say D! the fallowing raasonr»
• bottom of sparatbmd considerations,
• beCoUSa Islas escorml is in dafauk.
U Cos srapscl frwduleal m ardewhil acd%&y ar,
• in -... fv=elioa !x ory other ream" eecDUa! Is daeWmd {or
We Cos notrsspunsiNe toff any lossas Y a transaction an T>'w
orgy mcceel, admr by us ar a third Po Fit Ivan i you have sufihierd uedd available.
for cut" Vaassej Doer, we may regmira that you togister Visor account with an
arr[hsi 0dw sysUew flat we select We WIN notify you i we weat you to registot M you
do "aregis KWO may dscbe Yaw Grilles transactions
Flattest tspy Cbecks: Each chs=kTm°w?'tGayour request iafumals Whenwrrccsivs outhatizzo a dock foe pmt' We fowl T ?K?? ?°um`up id sr t for Izoa,
a check any
cimctillb may, but ern mot regrdrod to.
inbarsBnisoowing examples: laths Payee on ft Check.
• tAhKSUSOfDasmptmdcomperros craditrosltasboa°ottecdod.wwco)d
. YsetuaahdtTrm Dras6 adrrmhcs porfma olymr .
b ercndadff7 we ppeeded 6 the e ptheestm
nisch?lrispeaT ated check is paid. rasakirig in another tfrr:t being
•
rmuaaad or no ppaid, we an not responsiblo.
Van be" lava Dm cheek after the data Yn eh cis. it
• Yoa ass in "auk w world be U we paid
Last ar Slelon Cords. Checks or At-mi Numebaw U any card, check. account number
Dr taker now to "class your sccDwd't is lost or stolaa, or yes think swnaons essd of
doom without, Your perari=M% Vast )most n01Uy °s at Data by celing the
Cegrdttaabm Sanvka telephone nMbar slnrun Do Ytnrr card or billing s istme ¢ Do raw
use salt= aCCt"at titer you stagy us. soon k your card, rhrac% account number lit other
masts to occurs yaw etcovoils found or returned. We may [")mints of suspend your
credit pnalage s wi1B° you -111f us of arty loss. theft or unaadaiaed use related to your
account are *Mt !•e n xiL? Y^h rr. t_
no bmnlk Yns rimy be Rhtr r dmra is enema^roed u? 01 ? _.° _
will trot tot be be lni you will be pans Iactitions More mehda after you *silly us or the loss, tand heft or
wA bob for any ssu the unatNaraed d argon immwhkb
uneudwu?d esa•Hewere; yoamuct lotrohtdYfor us
yesrucol ednobwmrOL fed omwlntheppmned.
We say mtpms yogic Provide ms information in writing to hoiP us
We may who require you is comply aid, certain procedures in connection with our
artym arrvmimpa imsluda
PAYANINIS
pig tirstrurts;
In r fleimr Yew biting aGM rdsand redssffforth the data nod time by
ja?CGops In et t Iokovl to making ing p P Tm
WWI we pmst recaiva die paynont
you was to pay us i m um Von MM in U s dollars drawn on loads on deposit in a U S.
thomid boullusam or The U S. brasrb Of a horoign Financial intdtation usloff a payment
chsdt.coplor1'srdywetllommilt debittustvAbeprocessed orh°nwadbyyour licancla
bt
butte V1116 TA mot accept Cash Payments Your total milable troth miry nmt
rms[orsdforup to 15 days after we recoun ymmr payment an I.- f than 11- Ind
Any P"Y m drect or other fa-o- nt err moot which yo: st ltd w oan n ny P matismmrlnd `-rid in iWr or with a singer upladmo orth? b oftr vs at de
In lad salfsfocdoa of a dapiaed ammm ItneftDrral paymmttsj.
canddiolr payaoolsaddresskind anpwmmonthly stetameot We reserve off am right:
rsgw** Such payrmrds For namplo, it ft is determined than h no valid dispulo w 1
iffy ctmiopeymialisretelved st any other address we may accept the payment a m b
wa so ales any remahrirU bslenrce We may refuse to acropt airy such payse
returning a ta Yew not cashing it ar by destroying ft AB other payments that you mek
shodd boo scoot tD Urn -Vtdm Payment address shown on your mon ell tstaats en III fir.
Vh reserve the right to etecuonically'"coact your eBnbhe pays
presanmoai1d mryrepresentmorrt. tram the bank ecconnt on which the chockh dtawh
Der recelPl of your payment checks is Your authorization for us to collect the emocnt t
the check alocuomcellll or; I needed, by a draft drawn sgamst the bank account
Peyment chants nabs eoloctsd dlyctroatcaly bYssadml the check amount along
i with the check rod1Ag and account numbers to yaw back Yew bank account may
be dablad as early es the soma daYwa rscaive your Payment The original psymant
check will be destroyed and so finally Will be maintained in ow records
miniroata Paymoac you agree Is pay at bast the minbwm payment due. as shown
an your helping ststemart, so that ws receive h by the date and lama fil is duly
You may pelf more don the oo*n m payment dun and may pay the 1011 amauat you the
soon us at hay Una. I loyou he a ss wo ay in s?ncecbe poll to becauusi finance charges
ouaw PeY
sooner you peyen:,Uahseyou"
aCorue on Yom balance Raab day
Your Milan stomand shows yuer bghleft belanea and your soft balance ilba
'New Balance' on Pour filling FtatemrnO U the New Halmos is 51D tit Of hers. Your
mbdmum peymed due wet be the Now Bolsters. DUanvadca, a vsi be do Wpm of
the foflowrinlCSi01A:2'1! of Oo Nov" Balance; or the win d 1% of the New Balance.
taw hefted inkn fewhirdic nth Fom dog, e also Add a mamt post den and i
port of the oah amount
dmnm paves
over you try&**
Payment is in I wayay that is most favorable to or dent left us. PBYmORts
and credits you
and Cradds in w our d efts end credits to brlmtces with lower APRs Itueh
p before babneeF with higher APRs
as?romodonslAPAPRRs) p t!mf
ermdll Bslinel You may ropuast a refund o1 a credo balance at any time We may
redasa des winnow d any credit balance bythe essential of now chergactoloss blind
to your scrolled prty to automatically charge your
accoutfc repeats:Youmaysutbae?Att?muasibyUNAYCharles.memberships
ccomt fat rapea?? ; g oneUc charges we stopped lot anyreasonikrcludml
and insurance ended for BUY reason) or yaw account
number Year aeyo Ol is dossd?w suspended g Un bihm and paying these Charges
number 1(yow a, you er t a reambler rospanc we matordye but arm noCroCome in. Pay Item
ybern y tvow harChanges. ?t
your new acxwmrwm ranber Charges that you otthadzad b Is bltedto yam ofd account
nwadtmL
offer
account do, we all From ou be to out the terms of the alu mcial Wlb long met'arwil be 1. Affect
Promotion. Ome
do, we wi11m
subject prey prot:asda+tloa is a •te oho amts of this agreammat a modified by the
omodonel DODO
SNANCE CHARGES anbla rotes
Daft Periodic Refers bad Maned Po+es du raise are ?tslyd on th Sstu and Feat
rppRch and the there l ally PA io rate
the Table that Is at the all-.1 6w"s t document and in ff posit ays rousted ugp at the Mh
pedpdk two we dMdA the o APR by 365. pie ce to the Alit of the decktni point mtlmayrerywab Changes
Variable Rates Only or man APRs Ibet apply to yaw aew as to the Prima leader with to the Prime Byte When yob ddm9 a mRrgmm? ka Prbu Byte published In fie
Rate, we eeleubts the APR by a Cleft Data shown on your bifing
t a omersi lJatnnaifee Rate, is ate, is thss des hosst It U b Prime Rely pubbshed In the Many
Rs as WspSrrarJaurne! It The yysNSVeat Jcruaslstops pubfisioicnt
Rates Aadcion of d The e e bit . 1
the prime Brief we will sabct a similar reference rate and irtorm you an your bttng
stntsmaru or through a separate naUcs
A'tea'ghi Is do pat:w"ga we add to the prime Rate to salaulsle The the APR A
and
-butlaess day' is sny day that is not s wsaicsad or Isderal hubdey. Feet Table shores:%rh rates, N any, pro variably rates k also Gets the xmMm br
each variable rata mind say minimum ditty Pew one and corresponding APR
Two berAhass days bill [ha Gosling Date sham on your selling culsmeat will too
what the Primly Rolm Is. We than add the appbCaWe margin to that ?(has Rao to got
the APR. The deny potfodc rate Is calculated as described Above
s to a defy palp1? rats from the previous being
c our Ca s the in b cheap ruts wall apply its of the first
cycle because b ds e that ends in the calendar month In which we mode the
ternr of your brlrtg Cycle a r eicdedan RthadsByperiodrersbirecresses.Yeuwllksroopay hiller Panodic
finance Chatlr and may bevy to levy a higher i"mum payment-
DebvR Rally= Your AFAs also may vary if YOU are in dcaruk under this agreement
or any other egroamont yov have with in or any of our related companies for any of
the bllowinl rsessns•. any other
• e CMM oout rocoliss, for r Ioen with ease 114551 the minimum Paymaan Ns m ue by hre date and does
due.
- You exceed your t:rodk firm on this account
- You make s psymme to us the) is not boowad by your bend
To1ht solved allowed bylavyA Or any them balance and w do rot retain demand
a payment
immedau paYtcem of your
vny4iet_ntanewe sprrffy
it uitlnsse events oceurs.we meyin rsasatheAPRs Mclade?l°nY?D16Adonel
the e default
aCy
APpI on el balances lexcbrding onfilrol ndvanses)up to s all ma:dmws at ( to
rate soled in the Bolas and Foos Table We AMY ?sice has 1 ° ?A 0110
dmtonturne your defoub rely the length Of than year bison dicatxhe
etQStanco,seriousness one tbnmg of do defaults an your AecopteMorin
rrfAD catidps
of your account peels and performance' iMonmWo about your other
vah us or any at our related compardae, and Wormadon we obtain tram consumer rido, will take offort as of
Crudit fepbNl g team credit dauhoecorst brdtm7applptepurchase
the first day of the
o1M an
L'I"A MI
bafant"tram the formalism Mpg eyrie for which pshiedc Bnowe designs trays
mat lean Aaoady Wted
it we decide of is bwgssa?l our Aar a:i ot?nt: sutaotsd In?llu fl?bs s?id?Fa:s
increase you APR OF APR be 00 Teals, we rasar+a 0, aDM increase to yourharge reduced dabua r tes?wmachete
We my in ear dsusUoa
Financed tabs tar aim T? ys ls Aymge 0011 Bdeaee Method podudmg
Finance Caere, Now Pmebees)ferTasdsaae sad Average Daly lalncs Maitbodpadsdi wNow
Treogat timpri far. Other Tiomaoumc We Cdculau periods faoecs charges
tspershdy for Matt belnrt:e sstocretsd wan c dlbratt CstogstY of tmosaclmns
par'xAAq Rptsebss 4babataWanders,balancetrsnsherobeakrrCarlosdvanees.
Cash sdvaaCS dada;, orstdndt sdvauaess, had aeca promMbe>} Tltess wkvMaians
may commas Aimed tratopmies votlA do seems daily parnotlk rates Thk Is hove it
works:
We to sts do itmasa charges for purchases in No deps, as blows.
- FAA ct for 10 such r ps day of IfimdCe bt&ny Cycle. we auMgrly the daily balance by Ike daily
•
pathetic rate Cycle we tatd? the dally balance
• SocuW, for Baca day All the promises b111n1 Cycle
Flea dally parioit rsb Hssasvar,
for far rtfilsm opda b &A b&V Cycle by nom tag of Us New Babnee
wo do yA do this pra? a "mstep H van _-sd ber the dais end taaa the mbitm pwvwnt was
due or N a pWW fr?saei dM?9e "sac already billed a Lost De? ? d
Diivn
We colvidats the pubic snows charges Jar pwc e ce
rats the seas an%lcAres use its procnstbneh raw
we cbladNss Be'"Co Changms for babase transfers, balance trencher
choci4osch r?aadrenc,cbckysnd rdmks wir.r,bbylmt
the dopy bdmtcr let am & d Ursa Cetbpof by ties daily r
those eategmfes,vm*&yVale maybe-overdraft advances oalylyoshwounud
this accusal a dtsclisf attempt with ohs d our related banks- We calculate the
podads sy for bdmce trenslas, balance Vsnsbr Cbmcts, cash
advances. std mash a Chet siMact. to a promotional role the tam way.
butwr ass Una peoese?Uead nine
To gal ties do*bd n for each day lot sorb eatagal
• We take des begidM bob=* for &K de)t and dobk
• We add to tat bdaru a" now trace wound : hewoptohr eer ChargesD advance
d apply b Uest dvml if a tD io tba daliybdoce an of 9
bra yrort alew , By evrtdraR g of can , chain ?
m? dsi erlos, t sddW b ha to Iles am * we Add of me raw task date do each sedyanes
dWtt or indarm trcrt OF it di
bsbseca trsdder check is epvsksd by a psyAO, OF c law data of our
chain
• We su6aW lino dace balance may, payments. creche, w credit amts that
ccddssppaattyy and JW are crn tad as of that day
applir" Was treat !a dt bobtca u a hdsace of zoo
Ts at fb isglmin bebeCe for snob category for the nest day, we add the it*
'= fiasi. ebwpe b des daly bbPCe it more than may defy 11461le ie rote
cold spplyIs • erdspa y, boemass the ride to the eolvagm mepvwy based on the
u+sml otds doily bdsoc , we will era the daly PAdodw rats that eppfas
for this arvroge d balance smpurd at do and d the filmy cycle is colcdmA the
dally pedodfs timines Cherie each day This Agreement provides for daily
eompoaeds/ Of to %* Ronan dsr9e foe the filling cycle, we add all of the daffy
pi r0'" last each caugory for each day damp ten 6rlsW cycle,
plus des dslypmb& Ibence charges on parcheset, If cry ep* fortis pretbaus
hiflop cpb Hoarsvacil any porbde i rul charge Is due. we wit sharp you et
[matt the talaiasas pdesie fsesmse charge stated In the Robs and Fast Table. If It
is mnuss i y is std as and al aamsnot to moth a ?ddmildi mat CYdarge, we
add that ancient to tike bslrow >? Us csum ycle of the
The tidal *wpm charge on law McCollum lot a bllag cycle 1110 be
periodic So=* doerge't Plus any transaction fee finance charges.
For yclerst*oyrwtekeebtteaneverepadallybalanceOccludingrawweasections)
laths bBfnp by ddmy an your defy balances and dhAdiog that moment by
the madw d esys In the MUD Cycle if a psriodc finance Charge for purchases
made shaft Us pinafore i "CWb a ot, the avvrsge daily bobacs forthass
porchssesls c bmimaddo same way iI you maddp1y, the average dally balance for
a eyayesYDyllydcstala{t despypstbdnc rats, amt mbtdplytho nsakbydn number clo of drys Is tam laptop CyCb, Ues tout will sae the adnw v Posters on masrau?mpt
balance amiiutobb lotbtbtbog Cycle, -opt
grace PstbBssdAeCraeldFssas frous?dat It eon perbilic Real dbpsard 01ssle ss
Anatrepwolnid orfiaacecaerlr
wait paptsattbisY krasoired aeyabr scCeurd Howswr we cite lsirbsryA panodk
to blind during a ldIlhq cycle Very, retain payment
yve::tiNa.v Odeon by the fineecsawOsebythe der aced 3•aa year mbt,ypeop psym mbdue andwo
iiin
'nld was Balsams ineyesor
data wd rucgWW m? of yeast
LThk excepsarntu gracepsnad' applies only
data stars Y n
rotnpplYtobebneetrmslero, balance Vearlerefiacta, cash
toparsbssosred done not
edvesces, Casa advaaus rbeekss or smrdreb advances, I appicabic
Taasmslf°Fe:dnanRosse dFeet?Tabbfor achofthefolorrmytronsacti ns:
the emanmstm
neck advance rberlm
• cash Advances
In adddfort. ii you use a third Pant service to mote a p rp¦ ayment a i am re you nseedo¦ behalf lea end the
lot the
serJrca charges the payment to this accvwd we may the
payment
These VapsacgonToot are finance charges: We add the feetorh¦bab a iren cd eta
2ple, ¦ trenssction la¦
For exm
as of the transaction dots of the cash advance
cataporY cash ¦dvenhce balance
fat a cash advance would be added to your ly Charge Transaction Fens or golanto Trouslars: Wit in,
the °motmt eta dlbt the Role$ Ind Foes Table lot each of you lettmui 9lransnaclivnse in
• belancebansfertheckC
• belaetteGanshrt• W¦addthefeemthebalanccelortherdated
These usrwttivnla°s tern imance cbterpas
taUgoly as of the munusdion date of the balance traru(et For example. I transaction
fee for a balance lmaslarwould be added to Yost balance tnnslar balance
6THFA If& AND CHARGES leas The ammmts of share leas we Load in the Flats% and
we rosy dmergr the isiowbtp rchests made dining the bttfmg
Fear. Table 'hoseIowa wrRbeaddedrothebalant¦forgo Idle billed
Anti- account fur an annual membership
Annual igrobip For- n
Duchy fRomb non lyI 0your not nw your Use yew uraewd account sad gd ma gate ? (as agree statod In the B end Foos Tabb to Pay I whemtfllbd The atmodlmnn*DmMp
laa sarrefund¦trb Unless ss you testily us that you wirh to cbse your. eecoual willdrr3if
days of the data we M me lima h you pity year Outstanding balance db ill y rPyoul°a rt
charged and othee ram `tfmdaeYureHYo our deli to claw Yam 0eeotmt Of k goon
the anneal smspn}1erehip account 11 your account is cased by you or us, we
wf1righte uraimart0eke 1laclfefge U'a orgil lho on blenan°Iur mem uPeYYaaroutslandleg bobneo
dtarshipp
in full and terminals Your account rebdw7p fee unbhyo minimum the data end
Late For If we do not recdnn at h Bat Unminl for any biting cyft we may charge the
time it is doe as shown an y=
into fog shown in the Ralgs0 and pr eveon Table
8sknce on the current mwdh"s statsmsrd that
cntradato 301411+ lee odnp on the prior
shows Uta lets 152 This balance is the semi a at Ina Nath the Ba relagtrincred miibnam payaunl
rrtoatH-s slotemard for winch We did not receive
by the data 111011 time it was due te this lea
averilmh Fax R your account balance it over your credit fine el arty lute during a g
clul sod
cydo. mine 3 only lot a day, we may charge ¦n Oyu" ha We may nog rrodkillial because
jigemy
transaction lion balance owart d We wig act Chargef woo lbas rm° ow irRmh (use i?or spy
avonif
or a tnatrig, wctBut we my cure 9 no
b? Charge an 89CIDU t lea our accusedd babiling lance ? is over your
crew transo any are made on the ys subsequent a ?inQ Wdas
amid roil at l any time
Fee: u ? you pied chuck °r abutter Instrument I 1 not honore return
Return PsYrne charge a
a payment Chula burstrie 1111 is lnott signed or cannot be prveassed- we may return psymsrd fee mn ° cash edtnarz shack or pufnau real
Return Cymru Fee= R jai we stop payment cash advill check or balance transfer
check at yaw rurgrresr. or fbj the cetera to pay a
chuck we OW Charge a fo°°n check fee
Adminisitail Fearc b Yea request a copy of a Will statement, Was draft or other
record of Taw rttanrd ar d YOU request two or non cards or any spatial as raft or cortices flor lot he these services
eremple. oblabdoe Cards on sn 09 died beslef, we May eh¦rge ferries ire s s similar
HowrA%we flatwiYgepot charge You tm cap leeM Yof beadC yaw bur ureppgubta
to Wosrade s swishfisw. 1M0 may tbetga, rx sur>r services fisted ed above and Omer ssrviers we provide, The
foes Irom *Pa to time m ¦11¦ct when we 0001 ate setvlc.
OEFAULT/gULLPCTiDN
We may cartsider You to be In doloult R any of theca occur.
• We do notrsta(ve atloat tho minimum amount dir=e by the dw and rime due as shown
on ysabRBrhg statemant
• You extend Yew credit Ins.
• You fell to Comply with the terms of this egreement or any sureemord with any our
related compardrs-
to ocauses s to believe thatyou Pall DIN uWARY °r unob rr to
wig obtain Information Y YOUf debts to us that
it on lima
• P
• You Rte far brnkrnpwy
• You bacorm incopect at°d or in the event of Your loath-' eccornat widhout notice
it we Consider your account to be in deiadl. we may dose year
and require 1ov to poyywr unpaid balance immediately.we site may require you to ply
interest at the rats of taro percent (2X) a mordh us the unpaid balance when vn deem
your aecoust to be sit m time bilRrg cycles past due.
To the extsid permitted by law, it you ore In delauk bekame you have IBRed 91 pay at
yoe wpp pry our collection costs, attorneys' fees court case. and aR other wp
enlsrtfap our rights under °hu epreem¦nt
CLOSttaG YOUR AMOUNT call us to close your account we may
You may dose your scrouml at any time If you ca
require that you Confirm your request in writing time for
We may close your account at any time or suspend your credit pinvRepos at any
a?eount we without Nebktto you for boy required 9uncBs: resulting from closing Yaw reason accouni or suspending Yore credR privpnd any authorized wars must immwdfately stop
ii inn a 01 we Close your a tovrd, you account
usurp yam ac l to account on request t`Yon wiill tchusks olltm a to be rate epWMible fa Charges to your
or taturs th if thup
account. even en if they an near at processed eheryonr account If erased and you w
PAA ME:
be requirsd0 ynY go °*f°dog balsam on your acooust atumrding to the leans of
this agramw& lot is a dillikaytil, des, of at any time a y?onr aectrt Is?dased to [ the
t,AM iadeelt0 hxDgdhd* AlignWO'IWiAGREEME dT CARERS IT pRUVM TWIT ANY DISPUTE MAY
13E RE E M? ABBISAATION ARBIMIAT1(Id 'THE RiGRTTO 60 SOM TO WUKL YDb WILL NOT BE ABLE TO BRING A CLASS AM" DR OTHER
? ANY MAIM IN
AC=K NOR WILL YOU BE ABLE OM
ARRITRAT1O11 AS A UMS ACT" DR OTHEII REPRESEiW1YE ACTION. YOU WILL
NOT BEABtPTOBE PART OFANY UASS ACTION DI i? ?AOTiON
annrlt:tliRYAfNYONE13SE.Oil . 11EP aUurtnM=AKREEMMYOU
IN A P,ASEk na p,,,,,,,....•.. _-_--
? W COUIT BY ulmK
IN A Ca;Y6A7R1E ACi1 L OTHER RIGHTS THAT YOU M1DUl NhVE IF YOU MINE BE
M?Lf11<I>® p?tAS?rmwr..sxrx.••.-•- ---- ---- rte tevauetaiam'wohdag
g; AsiRaiaa.ThisArihill r der Federal
16 samsrdk otit and be ieforeashA tender
latsrNrae mamraara4 aid Bbd be ba governed by in t
ppr'F7lfibeUS br ¦ssadrd yx In de fyied p may
sets Irea+sn
htb?°d and procedures sn undrreyhiebteladashsdrtbo11
&A Wgbltr0°tadlhabr teat -mi ? ond-1oPW afro
be rasoMii?arbRrriwr f?°d °I dbalm
PatlbeCnand.Fariha mldlieAr omsatotsmt, assigns,
igtbrdasrterrsrd.ssbnsidwmtes,sWismiconases,pn es, agents,
s P d Year 1leeamoA. cad 01411 dot oil M aitacaar4 e? ddrd
and ssebjs2eemysnddldthtetta14ddfianaMpt ?o wmtwAteountFatludm0
enYprwfin/banaier•serak°S'OrP etatgtdseitelsasadaader
notfaitedto ter ditbeanurs, mereh¦mas that 2eeynt anY tisislivilks,
the Aotst{ -serrate plopon and rterognent sai k'r 01 era usrd°od"s) gols
drbtmbrrteas¦tead Vii* *ORit-dncMM °hNmyClairrty011assert
egg itxwkletfurdPOrtf aat
as Over yea OF we max vOcK to odrars wnwrd. °fact mumistvM
_
ay" er is "If" ate
binft somys n of Idelnt, dkpats or comrvaer+y- IN
r; Be qrI the all Parente, fel ls. isrisste a
ete?
odo m.
assigns at om odor, 111 bate or robriag hr rnYw.Y is Gue Cteldese?er Agrmte
a b KAlm,eeteant,Yew c 19 Che ms,
appwai a1 Year Ateomi Cabal tort.
asA?faarr card fAaisss are basted o° INK 90a1legal d bw Stich u respondent
? ??iat? IaI°'dtedbste9?er0id. t monal
mebrdrCirlnsralp rdinggo$NOWAlYdWisArbhrNian
wt*AdMowm y? llwsafk°C°rdatsorbarASrnamObrtoraayp?IlorCeri,oumbee
rbRr ppretemsal hmkww 13stmass riot wm In Out past or antra
Agratemmt gNim $1 farm Cleba is to
In *A paand or do lateral Ae Mad in 1* Arbitration Apra¦ahetd•
ha ghnmg,%.¦dtesipossibb meanfpg leims ,
prime.Wpdteabira50nkecladeCiabrsthat¦romade V??jasafa areas erm-dlnpm
third Ilarb deha?' borplerrders or otlnmtndw, sad ¦ tang
tarn[ Noy duct arm with respect to any Both chins aidvamod in the bwsait by
w fr ovorvubs aomenG gar Music des riifd So purses i2 a "of
A> sal NQ teppnioe to rids AIIhAradoa Agr wad ds an an led 901
du°smmwrlOdwOmnticwiditethetee,mdb,,i cipadfaccudassnan&eidual
bniF.limP •sbct"OwY7raweChkntbr WWsrhloio° _ w4s strroe.i yac we eye agree , ou IN any 11ro ad on "A b Lbaais. rT* VAN=
that ev n
ANM
s lim N
ai orBitter teu3mt alto proceed
sodded t
te dsa sstgobnesewiterraPr?sataht6lra ntbgsnd astlotb Ors fateful a pnvatk
tt lrq°hN batwrenusnbtdte taisstestrabadfn sash
¦nst¦eygettnralsclian•isN• °A
leewarisndlN sobjad te ¦n 12divudual ¦rbitr2do¦ dam sillier Pro?tteaedng wwitout the
No atbill IN VA be mesoRdsted wkh oily NOW tautens d as poll Tlw o* CIWW wU may be joined In as Tndpdual action under
this ArYlnian Agre.Owet are M chow brought by of agmmstYau sag toy m.¦PpfsenL
caiaantbteK a Nmgmmi:°d UM of your Account. orour hales orry In
ban "W w 0 00- braupid by Vote end any co-app"'. Wa b us
etrfhoriod cone al Y0°r Accornd, or Yaw balm or your testate tul? against of the
1.16A a d Micadyle p- f" rtfr Oft a Clain in erbilr¦tlteo umerst cheese ¦
lump ` I to@ sibNrsitea s?dstratom Am wieten ",Its" Association; or National
mFO a Thaadudeddratotsam1Mapsndterdfrom itsThe°dmbds rocrdoes
Arbtba
not vainer rio rri>irte6eo ArbRis t is conducted minder ifr robs of 1112 wbcted
not coo& t a 3111dadbf jq rbporlial t*d Prr1Y CINNS n ite accordance whim the rules
of do sdseud er6lnfoe tedminbtrrtor and as pay bit proa ild in this Arbitration
Agnwa es W held in e pieta cho:ai by
esr Any ar6ltr¦telm hurling slut YOU Ntsed Sit
the iii or arbBraana sdnnGzketor widde rho Indicant jrr&fef &mct b which you
in raWeh you and we agree in
rasids tttfi2fm tee Gahm is sad, or at sow, Odd Plsm
tion
sst?t of We two erbhrn
run of
wrae To my obtain wpphrs of tiro currant
ed ydsrnms2on about arbNrebon and urbirratioa ices, and instructions for
MWS-
fnhtefq aebfaensm by contacting the orbiUeton edtedt ttalors It follows
Araaiws Arbllm9 m p2saci¦0om4 335 Madison Avanua, Flour 10, New York, NY
19011-W1r.Viall skch^r!'vsdc°rg.8? rn 7879 or Web site:
P.O. Box 50191. Minnsapoliis. IAN 55005.
Named Aatitpdaa Faas140"4-2371
eon, P ospPResble In orbisMila¦. A shhgb, nentrol arbitrator WiR M501"
otleestteayearsaxporienceurareGrsd
cldits.1barbgruor'rh oldterbeelawyer with
or former judge The arblirslion wig be conducted under the applicable pracoderas
and roles arm b stocloo do dais do arlikkodoll
and rules of the arbitration administrator
AMwd with thk Arbhretica
is fit ed unless those hcsa Procedures eduessodinto$
Agreement, is wbic6 rase this Agreement IN prev0i These procedures
m will rPpIY or we 7he may limit the arnoumt at discovery available to yw
applicable substantive law consistent with the FAA and applicable stetiass of
have a hDaring and be represented by Counsel The arbitrator will tab nssoas
av ebir holmotim steps to protect ursltunar Account information and other imet" ? wirer,
including the use of protective orders to probibi docclosor
i requested to do as by you or its. The arbitrator will have due pw mto sword to a
party airy damegas or other rags Provided to under applicable lour. sad will amt
hove tiro power to award rdiol In. against or lot the bmW of any permits who is
not a party to the proceeding If the low authofm such rv&L the wberear any
sward uPunitivo damapes or Bttornoy tans The koftotor va7 make any award is
weding ham road amt provide a wAl provids a IBM st biM of the
Upon the
Upon • request wst by you or us, the o
reasons for the award. to the
than Is s ab ndn
Casty.We 1 will reimburse lp you for proof of PW aril Add mft lye paid
anw , any nP or to the first two
We afig il pal, boa of the arbitrator and arbNre11w advdaltuml
days of that booting. Tlis poynnrd at any such baring loss by us will be moots
directly to the arbirativa admbdsb'etor selead by yon puWA do rr w veto this
Arbitration Agreement All other Jells wig be apratad fa kaapblp
the arbitretbn administrator end applicable law HowwK the will advance or
reimburse fang foes and other fees i the erbiudom administrator or arbirntor
dat&mkos there Is good reason for requiting as to do You err ussa of the bass dotormhar tiara is goad eerie fat doing co Each parky doeuooats and other
fees and costs of that party s abomeys. gip' for arbitration and ,e„esi Isc
expanses, ragardlen of which party Pn p? I.
dstemcaining wheIFo a party doid the arbitrator than should racwar any or *11 feeeys anasir d c s?jrom awher
pew k Faiurs at any ??cing 1* Arbitration
Agov rrang at t fytime s or pine connection with any gahns,wDaascoeseme
Awv+elvar o any rights wry rfglts to ragalre arbitration at ¦ Iater lima er ?? raie rail anted
a eiw o
wirer Claim Rath Any decision s a, pa in such In wdlhcg to do arbitration argapsadon
binding g 0Mha parties, cedes a the epp The ep l onnivest raw ubbaft
before if 30 dogs of itinami of twoes of tau ewers p Read teal tike sere arbiratioa
a Panel { of two neutral elbitmilars, designated ban" WKidowOo
orQasthsOon elvvD recotmidor ider ON la taetwl 1111 Iola
The prn
same rules that apply to a proceeding using a single willlrsmc and made decisions
based an the vote oil, the majodly Each party will boar tblr owe leas, costs and
expanses for any appall, bra a party 6y recover any of an kit, tau and operates
from Brother poly, i the mo}ority of the penal of erbil ssom applying sholicoble
law, se detorminer An award in arbbndon wrT be astarenbie as provided by the
FAA or other applicable low by any rout bsving juricuOcdor'
Ssverz ty, sar*%LThk Arbitration Agreeaom slag sorviva: rd termination or
changes in the CardmemberAgresmae, the Acrormt enrol tie roMiooship between Raw
moWmr you acrd as concert of tthhe balanci In the stmt is al mother account he
benkreptcFofanypartyorefyslmilarproceedingiaifmtedbyyouoronyaw k
and IN PBYrnant d dam gum -11A by yon or by a third Pam 9 ally portion of it
Arbitration Agresmm* it ermo einysfid or unenforceable. flee remaining portions
shall nevatthds
CHANGES TO 7H1S AGREEMENT
We ran cirwaps ft swevoual of anytime, regardless d vtaa U vile Our u4vu in
odds
to your at aquas, by adding, deleting, or modifying ally fua
delete, or modify provisions includes l1neurcfal tamers, such as thin APRs and I sa
and other U rm ch at the we mo hm roleatiing? this egrnme Moddi stioru did ens,
o ians ytouor h
or del dilations are you of called' C i or required cable low These Changes nay
rye wig Badly you of any Change i required by ppfi
be olfac*o live with notice only, at the time stated In our aodce, In a da?ncam?a
applicable law Unions we state otherwise, tiny Change will apple'
balances on your account and to Raw trassserdaos a and
Tiro notice will describe en? rights you may htiva with respect axa ? Chang de,
re nmin
For
the eonsequsncst i 7on do or do veal sxe a tirose dgls arpfe.
may state thet you may notify us in writing by a specified date ei you dthat you o d de era
accept certain Changes wen are making 11 yon no* s crept the Changes, your eerooni msyha closed (l itis in; In rut already dosedl and you
wig be obligated to peyym outstanding bahme Roder du spplrcelde terms of the lts
.or agreement If you do pat oodfy s in writ ?g by rn dais statedin
to the wi• you wdK be
.0* es but then use your account In t`•s Pct!-.e Boyd to accept and confirm of tortes c!
to accept all Change: your agrees nat and all Changes In prior notiess we trays sent you rogardiass at
whether you hove access is your account
CREDIT INFORMATION
obtaining iafarmatiomlromcredil
H4a may Periodically review your credit history by 9
dit
bureaus and others informali
to cre
you
resm you i dire to pay us oodme-N you request occomldditional cards oonuyaw acc int?
others,wa may report sccourn information in your nano as won as to the Ramos of
ghats Rdmr People
If t thhak we hove nparfed inaccarau bdermatfon to ¦ uedil bueaa, You MY
writs i to m at do Cwdmumber Service address Tistad an you blip sulaetsnL
Please her bdoymm®0„ address, sceoura srmrbay tsiapborke som llmand s brief
daccripduE d rite problem p 0-tiabN, gran pride a copy of As cnda bureau
report in agaes11om WE ore Poem h' Investigde the stettsr sad. If ore iryssdgrtian
sinews 111011 in are dpbt we eat contact Each cradrt bureau to wvhidt we reported
its ?_,AWN asllbrycorrect thereportIIwen dsagraawithyouEber
t
ou wasip b% ere water you le writing or by tolsphons Ws will also notiy the
, &Job do donswan unless you let as knew that you no
cr h o oe
NOT AMEIWPELUNALH OM"710H
we wand eardr b4 a and Do send lei to y tia l usea address rots shown
to oat fps. ikaliris x s hale ton to aroy join ancaral11dd0r: Nmks m oEa ill ymv will b0 t onsiderad W&D m all of
You amt ml d psovA rowale oWprtsd oo the accouM
Ilya timage poanwan, address, affiliate, coialar or basbuss ldoplooes ommb0r
or anoi ddrass ol You sh_rd mo receive bdng slrtematds or OWw sodcas ourooL
you arcs mot! ms last' I. varlibily .16. address shares an your biding
statement.ll11a 10% at or spoor. sccW raging address corrections Iran tike
UAW Slost0s Posiad Syniee. We mry eontsd you abort you aocsaw. including
lay rtiNrsrar esmier er collocilklon, at any address or telephone Bomber as wen as
any capabr 116phesa vmdbw 700 pravrde EL
TEuro IEmmOFUMANDBECDIWRAG asfls ?
tMeswripapNieskt0,suapasts.wE?oamirrosnu msyddow?v ?yoeorwe
uariti0te dl?teleP? ? i ??
INF?ol OD shadti _
You0dun lainas inm obatokyou occoultwithilli our cow
fampeayorariMowernpl a aweorradvarysppswmdstwO%aspsrmiaed
wt
by ?: Oar PrIOwa?T I'ol10cY Pak%. wb1:k k prmidcd to you tvtlrs you last rec!iva an
agmwrdsedathrKlaan rash ca?dary°gtMrssturdascrb0sarrbdwraatawt
shwa prar#R ow Ors 1:111111:10c you bona and directions you may piss
out sbafwp d 'bdomdorl shout too ¦md you accorral with rmmparies or
oryaaiadlase vA hiE ad wlsida d oar lemflg of owroniac
l loor way art shah intervention sboat Yon with campodas
or other er0atd¢efioat s d wry bw* of companies Values you mdhmiu rho
dhsclasme as swYrs 110 disbsuty lot radar amsthw sxnpliam In As how isech
as slow" khood mo a polocasok Year transaction or in respima to a sabpoenal
Youher* sprke thKillyoucboon net0 axerch0 tin applicable spot ad described
in so n ivaq Peficyyyou will to deemed to hove amimrind to to share poisonal
information Vale ban rioalyee jmdrding bdornasrirrn related to any of do products
or a ervrces In may haw with wry at arty r omperees) with companies or other
o pO0ofawamMdconwanies
ENFWAMIMACMBM
We coodsWambrideV arad enforce wry of our rills undarihis spraamrntvvauoout
full burst agreement
hnsbl Wright" moires doos11 mdrer term will ranks!" eke- flow 0 term
are herd to be uattbmalda.
We il Bak ef year account any =Wards yon at" ass or say of oar rights and
; oW tkapre0runt io a third party The paten to whom we make the
OOeme mill be e061led at say of our rights that we assign to that person
0atari be
as
GDVBUMG LAW
DFn§SAGR6BMANDYOUHAMDLWSK4n
BEGOVQM`Di'•?OVT?.>'lETED OI,k+:CORDAt"'ELYfTIlfL•DERAI-4tww.'D,TD APPLIES, THE LAW OF WARE, WyT11DUT REGARD
TO C0 IW PRIKIF ES. THE LAW OF DDELAEIAWAK WHERE WE AND
YMMApCOllldlARELOCATED. WILL APPLY ND MATTER WHEHEYOU LIVE OR USE
THEACCIAWE
FDNMMWMMU
ptaasa cal , ad 00 cuLaamber Sayre telephone number an your card or bluing
ytat.anletalur lira sayquestios about your account or this agreement
YOUR Biign 1116115
Keap7bfa House FarFolme Use
This rusts contain impollsatinimmathm about yourrigits andour respansibiltios
ondw Ora Fair Credit 0g" Ant
Naft Vs In lvv think low it wo Of w nuostions: en you ired About men inemotion about a unnsaction
I yea tick k par I
0 ysorblE,N01a us nvasaparods shear at the Cwdmemhar Service address shown
on year bnq am, I write to us as soon as possible ft mast bear from you
no later drom a drys char we min you the first bill on which the amt or problem
:rope:rri y.: cis todeptu 1r_, bK- Jomy sc vii' not pr ssat ve your rights
In yourLINK,#vr es do (nbvring Information:
• another
• Your own sad accord
The dollar swum ofdoe suspected error
Deacdo yin away last apleh4 d you can, vvhyyou believe there is on error 11 you
seed more biunmfm% describe the hers You are not son slam
it you have potbellied atopryyour cradhcard but eutsmaticsllyfrom your savings
or cloning accool K yon cm sop that payment on any amount yon think is wrong
To 9" to yapwa?tya.r knot insist rearb as at least three business days bolero
the smmt0dc ptlYvwmk sehedadsd to ocwr.
Yes NO" And Oar Responsibiilfies AherWo Rerelva Your Wrines Notice
c-z Fa a nl t
We must acknowledge year letter within 9D days, uoless we hove oorractad the error by
than Within OD drys. we Mort either correct the error or explain why wa beiava the trig
wail correct
Attar we recoWu Vora letter we cannot try to eogect any amount you quaslion, or rep on
or W You do
you dolhVm We can ply an any a?idu [or the nintand
mount against your Uecredit on, f rg
not hehon charges, oploy and can n apply Y nD
not to piy any qu astlorwd atnouM whga we ore irwestiQelir+g, but you era FA
obligated to pay the pans of your bill that of not in question.
pay any ?8 charges
H we %d that we ma do a Mmko on your bK You will ban to
related to any questioned annoent 11 we didn't make a stako, you oawy an th,nerd missed paymenis finance charges, and you will have to make up stay
amount In aMar case, wewill sand you a stetarriem of the mount you owe and ON data
that it is due delinquent
H you lad to pay the amoatd that we tbb* you own, we may report you as
Howavet, it our exploitation duos not sedsfy you and you write tour within 16, days telling
us that you shift refuse W pew we mum tell anyone we report you to that you have a
question about your bill And, wo must tag you the name of anyone we raponod yoe In
We n*d tall anyono we report you to that the matter bus boon settled between us when
it frnallyts
If we don't follow these rules, we can't collect the lust SM DD of the questioned emouok
mysA I your INI was comet.
Special Holes Ior Credit Card Purchases nlices that you purchased wid? a
It you have is probtam with the gdolky of property or sat
crodrt card, and you have tried in good lidh to soma the prablam with do mmbxK
You mayy hays the right not tepey the remaining amount due ma the property or survices
This right des net apply to check uansaak ms Thero are two limitations on this right
(e) You must hove made the pwebe so in your home stets or, it not whhbr your horn stets,
v+hfnn IM holes of your oarront mating address, end
N 'The purchase pries marsh have been more than SUM.
abase limitations do not apply if we am or operate the morchenl, of Owe triagedyou the
advertisement for the property or services -
Capyrlght m1DDi JPMorgan Chess & Ca AN rights reserved
?ago I W
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.
r
Ch se Bank, USA-,NN_.A..
w3
T
CIO
_
V' 0
00 :lip r?
10)
SHERIFF'S RETURN - REGULAR
CASE NO: 2008-00349 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CHASE BANK USA NA
VS
MANSFIELD KEN
MICHAEL BARRICK
Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT Sc NOTICE
MANSFIELD KEN
was served upon
the
DEFENDANT , at 0015:00 HOURS, on the 31st day of January , 2008
at 1164 REDWOOD DRIVE
CARLISLE, PA 17013
KEN MANSFIELD
by handing to
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing 18.00
Service 4.80
Affidavit .00
Surcharge 10.00
00
,21o•TIoP ?r. 3
Sworn and Subscibed to
before me this
day
So Answers:
R. Thomas Kline
02/05/2008
WELTMAN WEINBERG REIS
By. ;? e,?
Depu y h e r i f f
of , A. D.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A
Plaintiff
vs.
KEN MANSFIELD
Defendant
No. 08-349-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.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#06379525
•.
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A
Plaintiff
vs. Civil Action No. 08-349-CIVIL TERM
KEN MANSFIELD
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
2718 Ko
436S
Pitts
(412
SWORN TO AND 7RIBED
before me this ay
of ?2008
N YP
Jaintiff
Building
Avenue
k 15219
79525
COMMONWEALTH OF PENNSYLVANIA
Notarial Seai
Jennifer M. Borowski, Notary Pubic
City of Pittsburgh, Allegheny County
.
My Commission Expires Feb. 22, 201,
Member, PennsMam ASSOGa 1- Notaries
C"Y hJ
r
cu ?'i
_ `CS 7 -?,.?
X1
77; 1-7