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Home My WebLink About04-0315 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK. N.A" Plainliff NO, 04 - 3/$ (}ju~tr~ vs, CIVIL ACTION - LAW ANDREA L SHAW, Defendant NOTICE You havc heen sucd in Court. If you wish to defend against the claims set forth in the following pages. you must take aclion within twenty (20) days after this Complaint and Notice is served, by entering a wrillcn appearance. personally of by attorney, and tiling in waiting with the Court your defenses or ohjections to the claims set forth against you. You are warned that if you fail to do so. the case may prDcced without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint, or document, or for any other claim or relief requested by he Plaintiff. You may lose money or property or other right important to you, YOU SIIOULD TAKE THIS PAPER TO YOUR LA WYER AT ONCE, IF YOU DO NOT HAVE A LA WYER OR C ANNOf AFcORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH TO FIND OUT WHERE YOI; CAN GET LEGAL HELP, NOTICIA Lc han demandado a used en la carie, Si used quaere defensas de esas demandas expuestas en las paginas, siguicntes. used tiene viente (20) dias de plaza al partir de la fecha de lademanda y la notitiation. Used dche presentar una aparicncia escrita 0 en persona 0 par abogado y archivar en la corte en forma cscrita sus defensas 0 SlIS objeciones a last demandas en contra de SlI persona. Sea avisado que si used no se detienda. 1a corte tomara medidas y psedido entrar una orden contra used sin previo aviso 0 notificacion y par cualquier queja 0 alivio que es pedido en la peticion de demanda. Used puede perder c1inero 0 SlIS propiedades 0 otr05 dcrechos importantes para lIsed. LLEVE ESTA DEMANDA A UN ABODOAGO IMMEDIA TAMENTE. SI NO TIENE ABOGADO 0 SI NO TlloNE EL DINERO SUFFICIENTE DE rAGAR TAL SERVICIO V A Y A EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUY A DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUIR ASSITANCIA LEGAL. Court Administrator Cumberland County Court House 1 Court House Square. 4'" Floor Carlisle. Pennsylvania 17013 (7' 7) 240-6200 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK. N.A.. Plaintiff NO. OJ...J -J/~ (];(.>.l '-r~ vs. CIVIL ACTION - LA W ANDREA L SHA W. Defendants COMPLAINT AND NOW. comes the Plaintiff. MBNA AMERICA BANK, N.A., by and through its attorneys. Amy F. Wolfson, Esquire, and the law tirm of Wolfson & Associates, P.C., and tiles the within Complaint and in support avers as follows: 1. PlaintifL MBNA AMERICA BANK. N.A., is a Delaware corporation doing husiness within the Commonwealth of Pennsylvania. and the other states of the United States, with its principal place of husiness situated at P.O. Box 15718. Wilmington, Delaware 19850. 2. Defendant. ANDREA L SHAW, is an adult individual with a last known address of 1202 PHEASANT DR S. CUMBERLAND County. CARLISLE PA 17013-1227. 3. It is averred that Defendant was issued an open end credit card account. A true and correct copy of the Credit Card Agreement Additional Terms and Conditions inclusive of an Amendment is attached hereto. incorporated herein and collectively marked as Exhibit "A". 4. At all relevant times material hereto, Defendant has been a regular user of said charge card fl)r the purchase of products. goods and/or for obtaining services from Plaintiff or Plaintiffs licensees. 5. Defendant has been provided with copies of the Statements of Account accurately showing all debits and credits for transactions on the aforementioned credit card account. 6. Defendant did not object to the above mentioned Statements of Account submitted by PlaintitTto Defcndant. 7. Pursuant to the Credit Card Agreement, which Defendant received when the aforementioned credit was issued, the parties agreed that this matter be referred to Arbitration in the event of any claim and/or dispute if the account is referred for collection. See Exhibit "A" as previously identitied and incorporated herein. 8. That this matter was referred to Arbitration for determination and disposition, whereby an Arbitration Award was entered against the Defendant and in favor of the Plaintiff for the outstanding balance duc. A true and correct copy of the Arbitration Award is attached hereto, incorporated herein and marked as Exhibit "B". 9. That Defendant has made sporadic and irregular payments which have been applied to the outstanding balance of this account. I O. As of the datc of the within Complaint, the remaining balance due, owing and unpaid on Defendant's credit card account. as a result of charges made by said Defendant and/or any authorizcd users is the sum of$IO,749.39. II. Dcspite reasonable and repeated demands for payment, Defendant has failed, refuscd and continues to rcfuse to pay all sums due and owing on the aforementioned account balancc, all to thc damage and detriment of the Plaintiff. 12. Pursuant to the Credit Card Agreement. any unpaid and/or delinquent balances on said account shall continuc to bear interest at the rate of eighteen (18%) percent. See Exhibit "A" as previously identiticd and incorporated herein, 13. Thc amount of contractual interest which has accrued on the aforementioned account from the datc of the Arbitration Award, is the sum of $657.33. 2 14. Plaintill has retained the services of the law firm of Wolfson & Associates, P.c. in the collection or the amount due from Defendant. 15. Any and all conditions precedent to the bringing of this action have been performed by Plaintiff. 16. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. WHEREFORE, Plaintifl MBNA AMERICA BANK. N.A.. respectfully requests this Honorable Court enter judgment in favor of Plaintiff and against Defendant, ANDREA L SHA W. in the amount of$IO.749.39. plus contractual interest at a rate of eighteen (18%) percent in the amount of $65 7 .33. pills costs of this action and such other relief as the Court deems proper and j liSt. Respectfully submitted. A~&#~ WOLFSON & ASSOCIATES. P.c. 267 East Market Street York, PA 17403 (717) 846-1252 ID No. 87062 Attorney for Plaintiff 3 VERIFICATION Amy F. Wolfson. Esquire. hereby states that she is the attorney for the Plaintiff, MBNA AM ERIC A BANK. N.A.. who is located outside of this jurisdiction and in order to file the within document in an expedient and timely manner, she is authorized to take this verification on behalf of said Plaintiff in the within action and verifies that the statements made in the foregoing Complaint are true and correct to the best of her knowledge. information, and belief, based upon inJ(Jrmation provided by the Plaintiff. The undersigned understands that false statements herein are made subject to the pcnalties of 1 g Pa.C.S. Section 4904, relating to llnsworn falsification to authorities. Date: A~t!#M J WOLFSON & ASSOCIATES, P.C. 267 East Market Street York. PA 17403 (717) 846-1252 ID No. 87062 Attorney for Plaintiff EXHIBIT "A" -- , I , I ,1 I 1 I I , ~ j 1 , " l , i , , \ , I i ! l' ! f~~!;i~~i~:ftC:!:;~fo}J'j{X~J~~~f~~jjff1~~r.~lttw:t~~t ! ,.,-:;;,-. "~:... 're ulL>'i\:Sa,.'l'U"1Jl. n.ree.m-ell'l""""l't..h,,' ~ i\-:.f~::~::' ;.~.>"i" ~, .... ~., b"':"::'::< ..~::,..:-..:',l.~,\~.~ ...:z,:.,.t:~.. ',I. .....~.:.)~.\:=. :;.t;;,i:.~'~i';::' I .. '" . .'. ';Jd' .. "~"" '"~{I' ~ .....~,~ ....: '''''''''... 'r.~;t'''''i-'t........ .,,,,.~.."1.,o=--',,o\~,,, ': i b"iAi1 '.itiiirf~; ,iFet.m'$ii(tnk2~Qj.tiifti~Jfs]r I ; '~'~"~<'~',::;;; : '-~ - . , I ! i 1 I .1 1 j 1 r.;~i,;iP;ti:v.q q;l\;l.-~!:l}:;iil,t _ .;:~J)]:,:. ~i~~;j~;;:~;iii;~~M~y~~<<~t~~11\~~f~g~~tI~t~&~~~~;~ f~ f~ t~~ \:!i (- 1l~ ~;'~ .' fJ'l :l! .'.11 f~";\P3ym en:Is:.6ii'::You J:.:AcGGL1 hi .i.:.:;;'::::.;';'; . :.::.) .;' , &~&.t;W;hat.I.l2a W \A'r.;alleA~trl;{~1~~:~J~FL;,~;~~t~1~~ ~~:j;::';;..if;. j . . " , ) . ; i' ,. -- ! i , j, ., i i ,i 1 'j .I' '5 1 1 ) '1 L. \ ,. I J I I' ! . i r I i 1 I i i j 1" Your'Cradit Card Agre.ement with us consists 01 ~ Additionel Terms and Conditions and tho docum.nt' e,{a! h - . I -., ,;. t a Raqufrad redml Dlec osure, or the Initiel Disdo" You agree eo the terms and conditIons of this A;;e!;!_:url, F.' ... p' N' 'II -, ".n or '-1.1:= purpose c~ t!1.! ma~y I alrc:2,.wa WI use the: de;ir <:o.'oln=d 1'- ,"= 'n"rd -.n----h of'"o'" N ,. H~= J.. II ~Il. ~I l-':::H~5J==r- ~w:. nv~cv olin ~ . h " , . n'rO' t le (emarnoer or toe .A.€i;;rr1Snt, we wi!! US~ ths d;lin:'f clescdbed unaEi the section headj,l~ 'Hards Usui Of I:;:' L~' C TEll'1 t.grart.tJi!. -." I , .'. P r~v ~ ~~_;!!~~!~~:~____.,~~=_,~-:~"_~_~,~,~~ ~~.----'-~m -Y<Jl..1,~, uJ,)'""....~ k JJ,!DOjV~ll~ l,'~' U::o: nll'i't:,\J.':. ',1'--1 ..: " ,: ,_,.\., . ,..., !;;,cO COiillTii[[eO to PW'/l(iing you WEn tr:-::: nrr:st fjil3n(i~1 Pio~ucts 2 nd se,rv!<:es bcc~7d by, cG~5iste~tly tQP~q~~ ~erllce, ~.n~ ;Ihile mformmon aoou, y?U ;s fundamo . lO our abill.y ,0 do this, we fuliyrocognlze ,heimiJO~ of keeping porsonal and accoant IMoITnation secWi"e To offer you the Y1idest ra.nge of products and se~i M BNA may share informatIOn about you both Wi'hi MBNA and outside of MENA with othelcompani~s This allows us to offer y~uproducts and services th' may Imeres, you ana cre'S, meet your .needs, WhethE th~y are avail5bk directly from .r~BNA or throuph 01 re!8l!onships with othei':corJ}panles.. VIe want You'!:: , d t' "., ",' , " , un ets "anQ our Jn~(lm"!ali00,{8JEguar,']S, wnat inform3.f we collect, what informaUbo',\'les"ha're', and the benefit you rece[ve \vhen we. shwe)f!forrnation ~bout you. " This notice describes the'.privacypraciices of lvlBI Corporation and all MBNA affiliates, including MSN America Bank, N,A" 'MBNA Amerlca.IDe/aware),. NA :. Palladian Travel Selvices, Inc:, MB.NA H;lImark ~:.. Information Service~, Inc., 1'yjE!N.1') Marketi,ng,System" . Inc., and MBNA Insurance" AgenBj, lnc,"(ibllectively, ~ 'MBNA"), lor financial products and. services governCj ,by the laws of the United States of America. This ,),. notice explains MBNp.;s information coliection and' ,Ii sharing practices an<;l.lets you choose whether or no''',I: MBNA may share certain Information about you, eitr~' within MBNA or outside of MBNA. with other compani~, Our SeCL1nty Procedures: MBNA understandsth'iiJ importanc~ of pnJt.ecting and ~ecuring information ar . using it approprlateiy. Access.to ,information ,bC;ut y is restricted to the peopie of MSNA who require Itto provide products or services to you, ,Ve m,i~tain pnysk electroniC; ci nd procedura 1 safeguarcls'fhlt'ccimplywil federal standards for the security ,of information. When MBNAshares Information' about yoU witn ; companies outside of MBM, we require them to. i' Impose safeguards, use it only for a permitted purpcs i and to return it to us or destroy It.once that purpOje i sel"/ed. We limit the amount o(information share.. tc : what is appropriate to offer a product.ors:ryice.efll; i clently. MBNA requires any company,recelVlng Inlo.., ) matioi1 from MBNA to sign a COi1odmtlalitY Agieerrtc : containing these requirements end obligating that : company to protect the information as we would. r .' . ".; " ,..:~.:~:::'t:<~>;:,: '. .~ ~ -"'O$l" nonpublic personallnlor~ation about you to (On our .buslness a~d ~o co~slst.ntlyde1iver th. top.q Cus~omer Ser<llCe you expect From us. Souicesof Information indude the fol lowing: . Information we receive from you on application and other fOims or tnioUeh yourcoiiespondenc:::' communication with us including through the m~ by telephone, or over the Int.rnet: e ~~fo:.~~tio!1 \:r.~ n=~:i!~ il_o.m. thi.~~.~~l~ie.~, Such C(J:t::;,Ulikl reyDILI!lg <:,,'O::;il\...I~:, lOY~[Jr/sl~..=2~;:iT::iif~ \.I~,U"'''''' . .,,--!- ~ - - '" ~""'_. 'j-.. "'. . ,I ,- Jl..' /:;. nl:,,:;':Jo:; LO U:;" Or k:;;CJGIII~ j.JU: UIIPi''JVm:~-i,' crediL or other i212tfOilshlps: 2nd I. (l infol"mation about your traosaccions With MEN with other companies outside oiMBNA. I, Infonnation We Share Within IIlBNk Wemay'h. L f " . 01 tile In ormation we collect about you with finanda'i ice companies within !vIBNA to off.iadditional produ servicEs that may interest you and best meet youroe; We believe this is converlant lor you and maysavey~ uutl, '.'.,' II'~~.". ~t: ~.J.~. -~ ,...~L_ul.....J ....~, . ~ll l:: C .... 1 11-..,1 l....,.. -IV U.... ..v, ,.,......1,<-,;" i......::::ri..;.l::~ information (such as name and address), transaction expericllce information i~uch as pUr(h~EeS lJrd p2nT: credit Eligibility inforTTlation (such as CI-edit i:2DO:-tsar applications), aild other information. Th~ de~isio!l tc chase any such products or se,viCE5 [5 yours ,Ion,. y may tell us not to share credit eligibility information; you within MBNA, but please understand this does n prohibit us from oFfering you additional products an ser/ices or from sharing transaction and experience, identification, and other information within MBNAj~ Information We Share With Others. From tim~l time, we may allow comaanies outside of MBNAto"': you their products and services that'may iTiterestyc" I These products and s.rlices may be ollered by final'! service provideis Isuch as banks, loan broke;" a(co : aggregators, insurance agents, insurance campanle.,A mortgage bankers, and sacurities bloker-deal'rs), by~~ financial companies {such as retaikrs, d(rectmarkcf~}1 communications companies, Internet service pro~ic i maifufaeturers, service companies, travel agents, en . lines, car rental agencies, hotels, airlines, publisher and organizations endorsing MBNA financial prodt ' . or services], and othels [such as nonprofit qrgan.i,at Subject to applicable law. we' may sl13le ail the inr, tion we collect with these companies outside 01 M unless you tell us not to. Additionaily, we may share all the In/ormation \ collect with companies that perform marketing or services on our behalf orto other finandallnstitu" with which we have joint marketing agreem~nts. ~ ' are a iso permitted by law to share information a i you \vith other companies in certain circumst~I1C( i For instance, we may share all of the information i collect with companies assisting us In servicing ~ ; loan or a<;count, with companies that endorse 0 [I .1 _ products and services through affinity agresmen ! . .' , 1 , "", .' ..... .''-'.r ,.;. ; ,. ",~,::i,:.' ~,~~ \l:'< t; , " ....~. ", '. .:.' '. '~. .j ,- _I', 'l"w'~' , :""I~' ".":, ~'~'~~:"~",\~~,;J.~ ''',',. " . " " .. . "," .' ',' ..,,;. I " ,f j I j J i I , j i , 1 I I , ,I ,I l 1 , , , 1 ~ .' f , I '1 , . I j , . regufatorj requiremen'ts, and with consumei' reoartir.!:' agencies: If you tell us not to'share informatlo~ With" compsnh:s outside of M8NA that wish to offer you their products and ser/ices, as described above p!=... A d h ' ~-" un..erstan t at we will contInue to share information in these additional c:iwJmstances. I . lmportant Information Aliout Your Choice: We're d d' . d.' " e 'Ica~e' ~O servIng YOUi neeas .. ana to respect1ii!; YOUi chorces related to piiv2CY, You m;y tell us not to c:L--_ I', I' ., 'I' . ~ .' '~,. ,-,J I,"~I:'::: Cie'::!i:: E igiO! !t)' !ll,:'orril?[l(ill W1LIII:1 {,,1f;NA, 2nd I "I " , ", ' ,. YCJ~ ii12Y l':;:l U5 f](IC to 5{1.:::(-::: l;lkHln::tIDr: Witl; CQm-''''.li~, outside or 0ABN.~ th=:t wish to of{=r you their produ~;~c:" and servkes as described above, lfyou wish to opt"- out of such information sharing, pleese cel/ tal/-flee 1-86?-751-1255, We will ask you to verir/your identir, and the specific accounts to which the opt out applie;, so please have all youreccount, membership, or reference numbers and your Social Securitjl number 0' 'i'axpayer Identification'number,for deposit accounts' " :'l::!!':S!:: ','.:h~;: J'':!.: =:!!, .~. " . ...., I . . MBNA applies opt ours,at tne account level, notby ,,' indi:,ridl1al Cus-tomer. \linen 8n'ypefson...!istedwith.others Oil en a~cou nt opts out '(for examp!2;'a.'-cb-ap'pllccrnL~. joint ac:count'ho!der, or autnorized user), \ve'v/{lI'liit the entire account as having opted out. MBNA will continue to adhere to its disclo5ed,pri~ilcy..practic'e5 fo[."n account even if it becomes inactIve or, i~, 'cJosedt .. .' An opt out from information'sharingun'an account as destilbed above, 'either witnin',NlBN,~ aridlor with..~.. companies ou~side of,MBNA, remains effective' unless i revoked In writIng. Fed~ral regulations require uS'to '.' ~. provide this notice on an annual basis,\vhetheror not 'r an 'account has previously opted out from either type ...1 of information shaiing, prease remernber.\l/hen you '.'~I receive our subsequent rotices thilt an accountpreviously,! opted out from either or both types..of Information sharing ,..I: (a~d 110,t revoked in writing) does not neep to be opted&j: QULaga1r, '\1.p This notice upd"tes and replaces any previous' i n'otices from M:BNA about the privacy, security, and protection of information, For additional information regarding MBNA's:privacy:practi<:es:concerning the, Inte'r-net, a nd to vie\v.'the most' recent version of,this privacy notice, please go to www.mbna,com and click on "Privacy Notice." You may have other privacy pro- tections under state laws: We may amend this privac'/ notice at any time. and we will infomi y,ou .ofchanges as required by law, . Words Used Ofteit in Tn'ig'Agree1llent "Agreement" or ':Credjt Card Agreement" me~ns these _ Additional Terms and Conditions and the..RequIr,d Fed,rol Disclosures IOi the Initial Disc1osur~rand any chan'ges we make to those documents from time to time, "You" and "your" mean each and ail of the persons who a,," , "d "your granted, accept or usa an account we hold. You an of also mean any other person who has guaranteed payment 3 -;S tnlS ,ar::coum, Whi:n used In the =ections entitled, W~ 1 MonE/orand R~card Te!!pftoft: Calli, end Aroi!raUon and. Wi an,d when use.d in "SEen ,or the sections refatin~ t.;:) pay this account (Your Pramrs; lo Pay, clid How\)i; Alla-:c.!:YI Paynw11s, iOi si:.:mpI~l. "W~""u-'" U~I... """\!"N~), . II ::, .::l.. 0 I <;:n_ l'i 01 r,r.meriCi: in;;Eu MoNA J,merka Eank, N)'.. . "C"o'" m"-n' "I "n- ""::1 'I't c" . . :. l '=::: ,.: U 'C '-h..C. :r-..:.: w~ I:SU:: io VCIJ:q any a/her pe(;~Oii with al!thorit2~lon for liS2 011 thl~:: pl!rsu~i1t to this }..gre;:;IPEilt, ,,-.... 1~~'t~.C~~~~J ~t~~~~'5~~~ ~,~:i~~,~!~,~i~ ~c~~~~~Ij~.h;ce~:~~~~~ r'iJ\'i.d~ t; j ;, )f w; us~ EO c2p!~-:;k:e.J t::un Ll this c30C'!iTIEi",~ blf;'''~ ,.. t' t "" d ' ' -, n, a:;;iIne ne ecm In ~n[5 'OClJrJiet:t, tne tei!i1 h2~ tr:::. M_ , "h 0 'd F' I ' I ,- "" given In ~ e "equJ(e eQ~r~ DISC osuresor the jnl'~i-l DisclosurE!, or,as used in your monthly st;tement. "~\ We; use sect,ion ~e2di0gs (such as, Vlarcu Us:d O~11 i" T, Mi~ernml) to Qrgam~e thIs Agr~ement. 'Ins 2ttu:J term: Agje=m~nt em; in the sent~nce.$ that fallow ~i1d not th='h~ Sign Your Card V......r .1.......I.J -'1"'-" ..~"l -'w /. L-. '. . _~ _li_.....;a $" J....... .~jl..i ...."'IIJP;:: lurJ U.;Ii; H.. We May MOilitor-and Record TelellFiOnp, ~--~--~....,......._._---~"- . ( - \ You CQrlsent t02ild 2uthori:;:e M8N/', }..rneric3, 2H\~lo7 aifiJiat,o;:=;, or it:i fi12fKeting associates to iTlJnitc);'and/or ani' of your t812ph'Jne cOilversetiofls with cLlr r:;preS~ilti or the r8pre5ei1t~tives of cllY (If those companies. Credit Reporting Agencies you authorize MSNA America to c:aHect ji1ioril1~tiof1 ab ycu, Including credit reports from consumer reporting ege If you believe Vie have furnished In/Ccurate. orlncom",!il inform,tlon ahout you or YOUl account to ,'credit repo~ agencY, write Us at: M8NA. Credit Reporting Agencies, P."l Box 170;4, Wilmlniton, DE 19884-7054. PI~ase Indude :'i name, ccdress, home phon,e number, and account ntllilb'<,'\ and explain wha t you beti2Y,e is lnacclJrate or incorrptetE.,:~-1 H OW to Use Your Accozint ,d You may. obta in credit fn the form of Purchases and C.~.~ Ad'Jances by using cards, accesS checks, your ac(ount I1U'~ or otner credit devices, Please refer to your Reqlj(r~d Fe:r"'1 Disclosure's or Initial Disclosure to detelrnlm wha'i transac. ' constituta PurchasEs and Cash Advanc8s 811d how youm obtain them. .Transaction Date for Certain Casn AdVn/1 The transaction d5te for Check cash Advances and Bai Transfers dona by check is the date you orthe per,son to whom the check Is made payable first deposits Qr cashes , check. The transaction date lor a returned payment (a Ba i cash Advance) Is the date that the correspondii1i pa'lmel , posted to your account. . Purposes for Using Your Accollnt_ :: You may use your account for personal. family. or he"" l, purposes. You ma~' not use your account for businesS or:: commeidal purposes. You may not use a check cash ilt' l Advance, or al1Y other Cash Advance, to m.3Ke a pyme." ( 1 thi, or any oth;r credit account with us, YoU may not u;;c; !.' permit your account to be used to make any illegal tran- r 4 . ':'<:~i;;{'i!~';,!/;::' .'~. -. , , . ~'a1""'H~ ......nJl~ ,1Vhl ,l",.....VKn'- ff you permit any person to us,; your caid, acce5~ ch~cks s<:cqu.~~ numb.er. or other credit d;vic~ wich the a!.!thotlz2tJ~J1 to OO~=ln cr~dlt on your account, you rna:J be !iabr~ forall tr- 0==,-....'00- m'd" 'ov ~L~. "'=r- .'1 I d" . := .";_...~ :::l I ~.... . ~Jl~~ r-- ;;On t'C U mg1.ransictlons fer wnicn yew may not have jn~=nded to bE; llabl~ even itth" ,'mou.- ., . I'" . /,1, or encs:: W:nsactions GUS;! your c;adit'Hmit to b~ ~;::c:eed::d. Authorized users o{this account mEY haVE; tna sa,'i1= .::"'...=.... to inioirilatioli abau~ tha account ::nd its L!s~rs =~ th~ --..=:: account notd-er;:, I I I ) ;j I j I j j i HoW'/n1J !1f7(f Stnt,i POIft"iCi1f ~ ,.. .,1 ....,., \" -' r .- ':;1 I. '~,. . ~ on rU2 Access efied: ':"-.} - -YQur~~~yr;qlJ~st 6 ;topp~'y;en;:-~~ Er~-2-C(~~(h:;ck ~--- ~ providing us with the 6(C;;;;5 check number, dol!.ar 5ii10Uii't, end ~ p:::y;;~ exacdy as they apP=2r Oil the .5cc~ss ch~ck, Ora! end "f \Vritt;il step, payment reqUEsts on an acc.;$S check ;ie effect/v= U far sb: month;: from the day that w,= place the stop paymfl1t, ~ ') ,!." OJ "- a You MaY. Not Postdate an Access Chech You may not issua a postdatad aCca" chd on your ~, account. Ii you do postdate an access check, we may ef\:ct to ~e honor If. upo.n pre5en~mem or r~~rn Ie unpaId co ,ne person ;:'.,:~:'..'. tha~ presented it to us for payment, without in eitl1er Qse ~ Waiting f{xthe d2te shown on the~cce35 check, We ari?!1.ct Ii] b!:; to .you for any t05S or e.\Ds"m<:: in.:::vrred by YJU a riolIlg ," Qut of the action we. e!o;ct to ti:iK:;:, ' 1 ~1" J }?: '$ " ;~ J < ~ a f ~ 1 :! Your Promise to Pay YOll promise to pay us the ~mounts 0[a1l credit.l'ou obtain, which includes all Purchases and Cash Ad'lanc~s, ~'ou also promise to pay us all the amounts of finance ch2iges, fees, a,nd 'cOY other tr2~sactions we sb~rge against y~ur account. ,~~.. -li ! Payments' on YOllr Acco1int - You must pay each month at least th, Total Minimum paymant Due shown on your monthly statem,nt by your , payment Due Date, You may pay the entire amount you owe us at any time, Payments made in any billingcycl::: that3re €reater than the Total MlnirnL:m P.,ym€t1t Du~ will flot afiect your obligation to maka the naxt Total Minimum Paym"t Due, If you overpay or'if there Is a credit balanc~ on )'Clur ~ccount, we will,not pay Int~rest on sud1amounts, \lfewill " r:;iect payments that are not drawil in U.S, doHars end those dravtrl on a financial institution located outslge cfthe United Stat,",' paymeot of your Total Minimum Paymant Due may not avoid the assessment of Overlimit Fees. if. "J: ,A: ,~ ..., _:"~i , : ,J , ,\ J "1 j: ., ';l' " ) When Your Payment Will Be Credited 1- . to \i(jtlr P;CCOuilt ,. ' , ....'... " - 'I' --- 1 - We credit paymants as of tha date raceived, If th, payment j is: (II received by 2 p.m. (Eastern Time):.(2] received althe ~, address shown in the upper lelt.hand <:omer of the front of I your monthly statement: m paid wtth a check drawn in U.S. , dollars on a U .5. finan~11li institution or a U.S. dollar money ~ order: and 141 sant in the return envelop' with only the lOp j portion of yountatement accompanying it. Payments . 1 racaivad aller 2 p.m, on any day including the Payment D~\e . 1 Date buuhat otherwise me<;;t the above requirsrn!;nts. WI t b. } cr~d(ted 25 of the next d<iY, Credit fqr any other p=ymeilt5 ~\ may b. delayed up to fivo days, .' . ~ HolV We Allocate Your Payments ~ - We will allocate your payments in the manner we determln" . , I 5 .."p . , i 1 i {i~du~ing ['1~W transa,ctio.ns} with !ower APRs before, bala! WI,h hlghar APRs, Th!s will rasult In naw balancaSl'li-h' fows! APR (~.g" those with promotional APR offers) bl.=i;_ paid before any oche!' e;::isting balance~. . ..I $ Promise to Pay Applies to All Persons All perscns who initially or sub.sequ~ntJy request, ac-:e~ €U2iantee or U::E the account Ere mdividually an.d to=:::I";'~ .. I . I .. b I .-..... respcnsJO:;ror;nytot2 oIJt5tanCJ!ilg 22nc:, W;;mavr=> '0' I . I' , '1" h " . .. ~ I e ~=5e iiOiTi 13011,1' any per~on w 0 IS re5pon;i~1E: (0 ( JS~\:!~; /!!0,~f;'~; !~' ll:~;;'~ ~',~i;~J';~i ;~: :,:~~:~J.;1~~':~ persons, r::::p=ys us t,he tot~1 Ol!.ts,t:fiding b212fic-e Q'!,'~d i~ t 5t any time unde,- tile teiiTl.:: CJ( to!.:: Agie~iT:e~i. Default You \ViII ba in default of this Agraamant if: III you fail '0 - mak:: ,my required iatal Minimum Payment Due by its P;'J- Du~ Date; (2) your ~otal outst3nding b31ance exceed~'Yo~;1l cradit limit, or 13) you fail to abide by anyothartermo/ this Agreemanl. Solely lor the purposas of determining cligibili- __.1 __~_:,,_ ..._"....."....1 ~hl;..,...l...,...l:l Fnl"'t'-Ol .' I '. .......... /'",........... t"'-J..l~" ~~ "~\ \" n n!",I!('In~ rreditin' ance purchase~ through M13N,~, you wlli be deemed,in de~ or delinquent If you fool! to make ~ payment within 90d'3YSQ your Paym2nt Due D2~2. Ol!r failure tq exer,else ~nyof OUi rights whet\ you defaUlt dQ'25 not m:::an thJt We an:; IJn?'bl~ t'. exeu:i:ie those rights upon later default. " W hell We May Require Immediate PaY/I;' if you Sie in default we can require immediate p~ym.;flt of your total Qutsta.nding balance and, unless prohibited t: applicabl, iaw and except as othanvisa provided un~er Ih, Ar&flraliol1 alld litigatiON seCtion of this Agr'eenient. we can '~ also require you to pay the costs wa incur' in anI' col,lectioii1! proceeding, as well as reasonabie attorneys' lees if we refe\1. your account for collection to an attorney who Is not OUI 'c. sa!ari<;d employes. Oilier Payment Terms , We can accept late payrm~nts, parttal p3ymel1ts, IJf payrri(,: ~I' with any restrictive writing without losing anyof our rights":::': .' under this Agreement, This means that no p3yment, tnd4i tnose marked with "Paid in ful1" or VIall any other re5trl(tiv!~1 words, shall operate as an accord 2nd sattsf?ction wltn~~Jt I prior written approval or Oile or Qur senior officers\ yau ma: not use a postdated check to makea payment, If you dopa date a paymerlt check, we.may elect to honorit upon pres! ment or retLlrn it uncredited to the person th't,p"s,ent;dJ without in either case waiting for the date 'shown on th; check, We are not liable to you for 2ny loss or Expense' Incurrad by you arising out 0/ tlie action we elect 10 take. Payment Holidays . We may allow you, trom time to time, to omit a m.onthl: , payment. We will notify you when thlsopticn Is avaIlable, ' If you ornlt a payment. finance charges and any applic~bla :. faes will accrue on your account in accordanca wilh t~!, . :: . Agraemenl. You rnusUesuma rnaking your Total Mlm~ur , Payment OLle e.on monthioJiowing a p,yment holiday, , I Transactions Made in Foreign CW~ I - If you make a transacticn in a roreign currenCY, the ua~d I tlbn will be converted by VIsa international or Me'tere: u ' .Intarnatlonal" depending on which card you use. IntO a . , 6 I 1 i i ~ . j . -~ ! conversion procecur;E:s In effect st the; tim-= tha", the tr'n~-I"" , . . 1 h '" .. ;:;-=..10 ~ IS pr?~~5':.ca. ,Curient y, tl O$~ regul.atlons and procedur~s l pro'/ld::Hhat to-e: currency c:omemilOillEte tQ.be u:sd is eit.hu ! (Jj a whor~sa!e market rEte or (2) is government'm=ild:,~=d 0" . .0. . . h .. ..~.. '::H.l 1 Iii ~Hec, one aay prior to t e proc~ssing date. in"reas~d bv 0:) 1 p,;{cent in each.case. Visa cr MasterCsrd r.;t;ins this on~ o;'I"~ t J ..<: como-n..~.ron . "':or '_ .' . -,....r: .~:=... 1;.::1 ':=~l I ror P::ll, mlug ~ne CUif:::l"lC'/ ccnversion SEC\{ ! Ice: Tn~ curra:icy COii'l-eiSlon j;::~::l in e!i~c.t an th!proc'.:ssii1: I d " d"c".,.. O. I I. \i ;~~ may lil~r from ~n;; tal.:; Iii eiiect c.n tM tra:mactkhi n;J: f or the pOS~rM d5te, . --.~ i ~ . ! RiIIiF1q Cycle . j '. ~ :~~~-~Ir.~~}~~~;~;!-~:~-;:j~~f~~~~~ f~~~~.o~~~'i o;i,::'g'--~-~::;---- ., u~,,, rnlll~,,1 b: U::::.. c.-=:Cil D!1:tI15 qclo:: besll;:; on tet2 my 2.tI.r ~. the C!osr:12 D2te'or the or:;;'1iOU5 billing eye/:;;. Each ~l~~"'~:~. ":1 - .'. .. ___ljrlll, \1 refl~cts ;; single bifHng cyd;:, . . ~ :, ....... . ~ '. . ~. .. :.: ~. ~ J Account .Fees'iind C!1arqes .. ~ Account Fe:!::: Th:; folI.~wing fe.~s. which are s~t(orthon y;- ~l Required Fede~a! Disdo"w,res oi-Initial Discla::ure, aie .ch2r~~d~r '.' P . '. t.' b'II' ' I' h" h f ,"" ~(as urcnases in nE I lilg eye;: m.w. lcn tl e ees ;;:cctiJei ' ,I, t. I ~:~:.:t:.~~~ !:_t.h_"-~o::~.M!~:n:"~r:',.P_aJ':,1.~~~ ~~e,~~o_~n_ o~ 1 Jc..........,...,,"~._~_..,_...,.......~~~_./-..-J ........... i.J i~'r~ ~ Payment Due.Da6i ::. ..' -.'-' ... " l (2) 2n Ovedimit FEe if'yoUi" N~';,'.Balan(e Total e:(c::eds~;ClUf .J. credit limit on th~.r~st day of p 0111[lIg cycle, eyen if fees..or "f fin:l.i1c~ charge.s c.:h2igcd'1'y-:u5 cc:u:se your Ne;,i/ 8'~b'nc:;T(jt~r' .':1:. to exceed your w;;dit Jimi~; 2n Ovedimit Fee lschaiged tOYOl!i j. ac(ount as of th< daY.in th< billing cycle that your Iota I out- ~; standing balance o~ yo~:,a:c~unt exceeds your credit limit; ~ (3) a Returned Paym~nt'Fe::'lf a payment odyouriccount is 'I: returned for insuffident'fuQds or lor any other reason, ev€nlf >" it is'paid lip on subsecfuenfpresentment; .' ," ~: (41 a Returned Cash Advance Check Fee jf w,retum a~ access 1.!6 ~i c:hed unpaid for any i,ea~bry, ~van.lfth~ ?c,.ss check ispaid..\ij j, upon subsequent presentment, , ' '.',,: ~. (5) a Copy Fee for each. c.~py of a monthly statement o:sare~ .:":',,!. :r draft, except that the si~ most recent monthly.statements and';'- j; ,,' six sales drafts will be prQ'Ilded for fr.orand, . I: j; 16) an Ann~al Fee If your a,caunt Is open or Jiyou maintain an >1"; :,; a~count balance, whether,yoti haye a'ctiva charg{ngprivileg::s, .1!i: 1. arnot, ..,' .. '~ 'IJ~ Abandoned Prope'rl}' 'Charges: Unless ~iohlbit~d by applk,able .~y! l lawl we \I:il!charge yOUi account, as a pUi,hase, for any costs.. .. i Incurred by us assodated'with complYing with state abandoned ~ i property laws, . " ' ' , 'H Please review your Required Federal Disc!.os,ure~ or Initial" if Disclosure for ac;fditional fees and charges, that mayappiy to . ~! your account. . ~......, jl Benefits ' . '1l We may offer you certain benefi~. and services with your {I acc:o~nt. Unless expres~ly made a part olthis Agreoment any I .uch'benellts or semces 'are nofa parfo! this Agreement, but. 1 are.subiect to the terms and restrictions outlined in the benefit.' j brochure and other official documents provided to you from , time to time by or c:i~ behalf or MSNA':",merka, We m.ay ,d!u.'t ] add) Of del~te benefIts and services a~ any time and t,lllthou~ -i notice to you. Refusal to HonorYollr ACC01Wt . We are not liable for any re1u.al to honor your account. eJ I This can Include a refusal to honor your Olrd or account n~mb or any check written on your account. We' are not liable ,or I. . 7 . . . , !. ,. l~lii;f1 ~;:,~~z~ _ :"', ".., ,:'-",:,',<' ,',." " .'. ,:~~; ';l; ~;, 5~::.\~:-;J;;~~;'~~;;~ii~i~JJ~((~~,~~i;,;m:$~~~,~". ",;i(~4' '~'~;~':f."..",."..h"~"'i,.~~,,,,.;.;....t:!l~)"-"~I."'~'~~~"'-:"ti.Cl'.\~~., "il, .,,:.:t"""I:;f~r;t:A;'~\~~~:"~:.~~T!>~'#fi~I.ft)~'f':;~'. ....' ~'/~lt.~'~;ir.II~\' "'f''!t''"'';~ ' ,. Bf,~r;Jf1~:~),~ -....~ i I ,i I " eny ~~~!nCl.on or,your c::ar~ 0;.' US, anyocner ban!:, Oi.an proVlcei or goOCiS or Se.NIC~5, We May Suspend or Close Yot!.rAcco7J 'w; may sus~::H!nd or dcs.s YOlJi oi.C':':lUilt or oth~l"wi::e ~oit= lour right to us; your 2c:r:c~n.t. We mi5Y do this~1 time End (or aii~ f!:5on, Y~ur OO!lg;:tiOns unci;i thr! A~ie€:m;nt cOiitlnu:= eV~i1 =iter we nave dOi1E this, Yor O'.~Lro" -II '--d' -~c--- c~--c' -Ow.' - d'" " :::;:~ i::; ..::: ;:,::... ;;:,;; 1<':;; 1<.:: t O~!l;::r CI'; I:: G;Yk~e account wneii we r~quest. .- ~~l;~~;I~S ~:~1 ;,~-~}~;~~/t0,7~f~~ ~; ~,;~~;;, ,i:~ l:;;/;;:P' IUn~, "'IIG (J::~t IOf'll:; ell CdQ~, <;,-C~55 cil;;~b Oi 0 credit deviceS o~ tne: zc::au~L ~'our O,blig2\IOnS under t }..gi~ement cont!J1UE: even arrerj!ou h:v.;: den.;; this " , , I i I , Transaciions After.Your Account Is ell ~Vh~n your account is dos~d. you must ccnta~t eily;m; ~utnonz~d t~ charge, transactlo~S to lour ~ccou:i1t, such c !..ryti2met serm:e, providers, he~ltn ~I.uu5 or Insurallpi;! cornl J nese transactIons may contmue ~O be charged to Your '="''''''f!n~ !ln~iI you chaii~e'the billine, Also. If we belie:vE have authorized a trailsattion or are attempting to use 2cwunt an'2r YOIJ have requested to dose the account 1l12Y cd!ov; tn'2 transa.:tion to b?chZlrged tOYOUiaccou'r '1/ ,. .. 'r.(,,'? he JYIQH .hmel'1a. ln1511.0d"eeHwnt - ~ "~/;-inay-amend this Agre~men:. ~t ailY--t1ii1e-~We may amend it b}' adding, deleting, or-changing provisions of Agre~rnent. wheo\;,re amend this Agreemei\t we will cc with tne app!icabl~ notice requIrements offEd~ral and. Delaware 12w that are in effect at thaHime. If U1 amenl gives you the opportunity to reject thecli9nge, 2nd Ifyol.~ I' the change In the manner provided in such amendment,\iI, may terminate. your.right to rece.i~e.creditand may a,sk,~ ' return 211 credIt deVices as a condItion 01 your rejectlon'il. amended Agreement (including 2ny hlgherrate or other' ' cnarges or fees) will apply to the tot21 outstanding bala',< including the balanc:e existing before the amendmEtlt beta.f'" effective, \Ve may replace your card with another card ata~.,. We May Sell Your Account ~ We may ~t any t1me, and without n,:rtke to you, SE!I.f~~ or transfe r your account, any sums dUE: on your ac~olJnt . .A€r~ement, or our rights or obligations under your accc this Agreement to any person or eMily. 'fhe person or ! to whom we maxe any such sale, assignment or transfel be en titled to all 01 our rights andJorobllgations under Agreem'ent, to the extent sold, assigned or translerred.' Yom Credit Limit . Your credit limit is disclosed to you wh2n you receiv' card and. gener211y, on each monthly st,atement. We In ; change your credit limit from time to tll)'1e. : . The amount shown on your monthly statement aeC~; Credit Available does not take Into account any.putcha, ; C2sh Advances, finance charges. fees, any other t[2~Sa< ; or credits which post to your accou,ht afte: the Clold;. : of that monthly statement Such transactlon.s CoU ~_<; I d. I' '( b ' d d d rosul' 'In tne .5-'- I. your ere It Iml emg exc:~e :; 8[1 ~ ~ .. J ~~~~~a I ! 8 -~ ! ; :rxceed Your Credit Limit :~ .; The total outst::mding b:fancs on your:ccount plus :i ~ut~orjza~icM at any time muse not be 1110re tnan.YQur c "'~ t Ilri1fC. J[you attempt a transaction which results in y~ur .~':". <.;,' oucs.ta~di.ng ba Janes {plus'='Jcnoriz.=tionsj exc:!clns ~OU~Ii~:; ci:5dlt lrm.It. w; may: (J I permit the trcnsaction WitholJt r='~i., .':',: "cur "r-dl' "ml" [') --. " th- '--n-'~' d -,.." ,j ... '" I. III \; "F;im:~ ;l.ll:l/';:C...I,Jonan treattn=- -mouM' . lor.. ..~'... th' . 1:011 1.\ or Ion:: I.rafiSaalon ',m:1. IS l"ih:ir::: I an tne Ci=dit Iim'r J,. as iiilmdiatE[Y due; OJ (3) rerus:;: to p;::rm1t th~-tr2n"'::~-I.~'I. ...'-l.....ri '1 1:"'- .~~ .-' ~ '..' - '.- ~--,,'- ." . I ....:;,:::U~:: \0 peliT1i~ In:: LI~n=:;'-Lk.ln, ,*'2 fTi~Y 2d'!i~= r~- ; f;~/~:-~~ 1~~~~) ta()~~~ ~~i~I:;i ~'~ ~il~ ~~:~ 1~~~~~_~i~:dl,~~lt~,~; t~l: ~~~t~ ~~;~:~ l:e i ~:;~I Tr=:r.sfet, w<:.: fTE~,Y do so by cdV[5111g th~ p~150n pl~s:::n'ti~~ ,',_ ,- C' T C ' 'd I . "'" (Ii::; '! r;eCK 2SIi" V=.ilce OiD=. cn<:eTr2i1s:ier that G:::o[t nas b=:::- l rErus~d, that there =:i.;; insufficii;nt funds to p=:J' the Check "..I i C2.:n r.dv::::nce or Balance Transfer, Oi in eny other mann::::/' 'r I(we have prevlou:dy permitted you to exc::!ed your.G:dit""ii . j i~ d~es n?t rn;3n tha~ we will p'e~it you to axce~ YOl!rcreditIilI ~~.. 11mb. ag;rn, Ii ll1e decl.de to peffillt you to EXc:!ed \JOUr crenl~ I', ' ',> , 0 I"" 'd-""" -" i1J, &: we may CJ1arg~ an ver lmlt reS as prOYl ec In this Agr.;sment, ' 1 T.J-1WUtfwr.izeil-JJ...~~ra _ .I Ple"se notify us Imm,diatilyof the loss, theft, or possi<:[; i~ unautnGized:ll~e ofY9ur account a~ /.800-42! .21 iO, (j.. '1 ~{, "You Jvlu..si ?'JDtify'lJs \Nhe!l ~}!OH ~ Change Your IHli1res?; , J We s~rive to keep accurate records fOi y~ur benefit alld o~ . r The post office end others m3Y floti fy us of a Chcft2e to you,' ,{" addiess. \Vhen you ,h~n~e your addrE~s, you must notify us ~' piOmptly of ycu'r new address. I' What Law Apiilies~' . i" This Agreement is rn.:de In Delaware and wee.'I':tend credit i1~: :: to you 110m Delaware. This Agreernent is governed by the O\'.i' ',; Jaw, of the State of Del,ware (without reg"d to its conflict oil ''11 laws pdi1ciple5) and by any applicable f.ederalla'll!::. .'.j't 1; The Provisions 0" This Agreement, 1 ij are Severa61e ' ,t :11 Ilanyprovislon.of this Agreement i, found lobe invalid, ~~' .~ i the renl3ining provisions wili continue tq be effective, '~'~ 'j Ollr Rights ,Continue . Our failure or delay In exerdsing any of our right, under thisAgre~ment doo:=s not mea[1 that we are unable to er.erdse those rights later, , Ar&itration 'MId Litigation This Arbitration and Litigation 'provision applies to you , unless you were given the oppoltunlty to 10lect the Arbitration and litigation provisions and you did so reject them in the manner and Um elrame required. II you did reject eflectively i suell a provision. you agreed that any litigation brought byyo' I against us regarding this account or this Agreement shall be I brought In a court located in the State of Delaware. I Any daim or dispute ("Claim') by either you or us ,gains: I' the othei, or against the employees, agents or assignsof t~~l I'.: othH. arising from or relating in any way to this Agreelnen any prior Agreement or your account [whether under a e I' '. statute, In contract. tolt. or otherwise and whether ior rno~i~1 I! . damages, penalties or de<larato<;, or equitable relief), Indu , i 9 .' 'lI!!' " Utigatior;Sedion or the vclidity of the entir~ A....=...me . - I A . h I b I . 5'''' n, :;:0 y pr or greemen~, s a J is reso ved by binding a,~bi~r~~ The a ibitra ticn shall be conduaed by to;: National Arbi,,<:l Fa rum ("NAP'}, und;!r th~ Code of Procedure In 'I',:tll~ .... .~ I.!i t' I ",-1 I' ... ...'.. =l" !lIe. ne C aim IS {lie... Ru 55 and forms of ~h~ Nationa! Aibit':1 rorum ri13Y b~ obtained :"d Claims maybe ii!:d arjny ~;:-.~ ;"',bittatio/1 Forum omcs, w.vw.ub-!crum.com, or P.o~ 8~"'~~ MI -'" 11- "I ,'- --'0' t-J- 'I ". 1111~::::PV :. j"{\ nn;::o.:: ';1.,. J, ':.: ;pnon~ -a(O~"4 74.23ifl NA~ is un2b!~ at unwilling to act =s arbltra~Oi w: mo,,', 1::.... "_ ~ .' __ _,' -II - - '--d 'oJ '. ~ 1 C,:::1. _\I ~IJ..:= ",nOui:::1 n~dOi1:: y r:::(vgnrt.::: I !!I' eD~ilden'; .::-~bj'.. Ng2i,iz;tion. th:;t U5~S e .::.LJI:I,~ r cod:: 0: pr~c:c!uj,.' - I ,\1, ~'~ ~~i~; 5" :~~!~~;:; ;!~: ~~;~i i~:~1i,;;,:;C,\:~ !c:~;; ~',',~; :;'J'~ ;~~';~ p_} (0 PlJf;:oU,,;; :; CL:::lm III or:Jl,f::aJOII, In:: 2r~ltr,;:;(o- ",:11 , 'd ' 'II b I' I ' " !II oecl :: wnO WJ e U CJIT12t:: y responsible (0[ paying tn. _ t~fe5. In IiO event will you be required co r~imbur5~ w_lt::or. arbitration filing, administrative or hearing t~es in2n.:r~ Qr gr;;:t~r than Whd~ your cO,urt costs would ha'le b€~ii Ifth"'C Cia/in had been resolved In a stat:: court with jurisdict,' ' A . ...' c ' . c, h . ' ,'n ny arolda~lon ue5jmg a~ Wide you appear-will tab pl~ ' within the (~deralludicial district that ins]u(J;s YO", billi~ addr;;~s at t~e time the ~Iai.~ is ii!e~, 7~js a:~itiat(On a~~ lllt::m I.::. IlJdlJ~ J-IU' .:l:U<::jl~ ~"f9'" Ll c::u:::d...lIVli Ii I '<\JI'IJ\IS,jll~<::I~~:::i co :nmerce and shall be governed by the Fed~rel Arbitr21i~ Acr.,~U.s,c. 9~ J-16r"'FA/.."j, Judgrn2iit upon a rrl; arbit'Hi al,\/2iO ma]' be eiltcrd in 2i1Y coLlr~ having ju ri5clic-t'ioll, 'fh~ arbitrator ;:nu!! JQilu','i e.',:isting 5ubst2oti'ie laj1rto th;; exte:lr consistent \'lith the F,~A and Eppncebk ~t-3tutes of 1!f1lit~li~1 and shall honor any claims or privilege recognlzed"hl' law..J! party request.5, the :lfbitratoi shall write eil opinion,contain: tne reasons for the award. " " No Claim submitted to arbitration is heard.by a jury an . no Claim may be brought as a class action IOtas aprivat; _, attorney general. You do not have the tight to act as a da#J repre.entati'le or participat5 as a member cii'a cla;s of jilr c1aimanrs with respect to any Claim. This Alblrration and'lll'. Litigation Section appli~s to all Claims now fn exi5tence c,:,' : that may arise in the fururs.' ":,,!' , ~ ihis Arbitration and Litigation Section sh511 surviy~ th~,~'i terrnination of your account with us. as well ~s an1volul1t~,,,! payment,of the del)t In full by you, any ba nkruptcy by you ,j s?lle ,of the debt by us, ,.,,' ,,:ill FOi tne purposes of tn is AibitraUon and .Litigatlon set~' IOwe" a nd "us" m;;::ans MaN.'\ America B3.nk, N.A., its parm:"r subsidiaries, affiliates. licensees, predecessors. SU(C~5sor: assigns, and any purchas.r of your acc~untimd all oflhe officers, directors, employees, agents and aS5igns or any ~ a II of them, Addilionally;"we" or "us" shall m.an any thlr party providi ng benefits, services, or produd5 in conn~d\ with the 2CCoLlnt (including but not limited to credit bure merchants that accept any credit device issued under the account, rewards or enrollment services, credit' insuranc.e companies, debt collectors and all of their officers, direc~' !' employees and agents) II, and only if. such a thirdpartl" named byyou as a co-defendant In ar;lClaip1,~ouassert against u., If any part: of thi~ Arbitration and Litigation Section i:" found to be invalid or un:;n(orceable under any taw or ;~~ consistent with the FAA, rhe remainder of .this Arbitradtlor Litigarion Section shail be enforceablewithout,regar to invalidity or unenrorceability, . <' THE RESULT OFTHIS ARBITRATION AGREEMEN~ tri EXCEPT AS PROVIDED ABOVE. CLAIMS CANNOT B I GATED. IN COURT, INCLUDiNG SOME CLAIMS THAT CO 10 ,.... -. ,":'~. .. , ~"""" '. ~",,,' ....., . , . " ~ ", ' '~.~, '. .,'.:" ~ '.. . ."," " , '. ,",',,1 " , r ,. '. . . '" 'I' 'I C. r-.'.. "'-'" iC~EDJT INSURANCE BENEFJTS, i iLlMlTATJONS, COSTS & EXCLUSJONS I iCON'S,UMER PROTECTION,DlSC!.OSURES ,'.' I ,CREDIT INSURANCE IS: NOT A DEPOSITi'NOT me- ~ :lNSURED; NOT INSURED BY ANY FEDEP""!. COV!:RNMWT i J ~.GENCY;..4'lD NOT GUAP.ANTEED BY THE Bgo/K, ! iPURCHASE'OF CREDIT lNSUB},NCE IS NOTA CO,:;DlTION' ': ! OF OBTA! NlNG CREDlT. IF COYEPJ>.GE IS DESIRED 17 I. M)-,Y BE' PU~-H>,~"FD ~1 S"llJrirDr' t ~_ ",__~_:___~_,~.---.:~~t.,__ _ ..._,._" ! ~ . -_.._-_.,.._._------:-:--~--'_.-.---_.._--.----._--~~_... ; I-r_~_QLt_JJ1SIJ~::;iJf..Q pool'S yOu.I.rIi~ni:(1iJ!:l iJ1CJflthiy p~!,iileii'~' j i up to your b::::12n(~ on the'c!:;f:: 0"{ 16::5 (iLot to c;,:;cE;;d S2;nOii j I ~xc~Pt dlszbili ty in MN), Uiitii you H;turn to work,;~ ii YOl/;i;' .~ IIn'r'oluntariJy unemployed, tatallv disablec, or if YOIJ or YClJi j 1 spouse takes covered family leave: cii:'dic 1i15Ura'm:e a/so -1 I pal'S your insuf'd oUWandlng'balance up to the leos, oiyour l J outstanding balance, your mdlt limit (norAL,AZ, AR, DE, r DC, ID,IL, lA, LA, MD, MN, MS, NY, ND, OH, OK, 1<1,,5D;,:\1; jV/A, WV &- WY). or$25.000ifyou die, . . r EI;,dbilitv: One Insured per account (Insured must'be the' f primary cardnoloer or a COtsppilqlOG, autnotlzecl,us<:f>i c::ll~'ilv~ eligible). u nde rags 66 {70 In AZ', NY &- V.A; 71 in PL; GA: 1.1i, I MO & OK; i2 in NM}, ,Your covei2ge ends at these S3m~ ag~s ':1,,',1. !.(G,cept family leCJ'I2 ill t-.z,'FL [.- SD (~UilEi!lploy,-nenn, "\j,ii!eii !-'fi1rolJec,ceitificat2s wil! be nr:!iled t;;::p!?!nillgyourCo\lcr~ff-e ! & effective date. InMN, unemploY;Tlent Cc.vcf'cge is'effecUve ~. 16! days from youl'certificate effectiv"l d3te. For unem,Of'olffi1'2nt J,:, I or,family leav:;: benefits, you must'be gainfullyemployeJJ': I Vlorking at I:;~st 30 hr5"/wK {not self.:employed or an in'dependent i !. contractor) for 90 consecutive days before the date of los5 . " I '{CO . before appllcatlo,; date), IPA - on the da!, of loss], ? I'ITX' beiore,coverage effective detdor unemploymentl. : ,I :Emplo,Yees of professional corporations may be eligible. I Covera'les & B~nellis; Credlt'lnsura~ce covers: your : .death: Involunta;y unemployment due to Job loss, general ; strike, unloni,ed iabor dispute: or l6ckou\;'total disability due I to sickness oi injuri If you ar;: unable to perfOi<n the material i b- substantial duties. OrYOUf 18b (or any job, efter 12 mas. In I PAl' 18 mos,ln AL, 1>.2, AR, CA, DE, DC, GA, HI.IO, IL, lA, KS, i LA. MO, IvIN, MS, NV,:NJ,.ND, OH,OK. RI.SO, TN, vr, WA,WV, I WI &- WY): your or your spouse's unpaid leaveof absence fiOm employment due to c~re of your ne.wbom or newly adopted I child or an Incapacitated immediate f3mily membe'r .{m~5t be . I spouse, child: stepchild or parent in AK): mandatory recall to ! aclive military duty: jurydutyl,except In AKI: or residence in i a federally declarad disaster,area, Loss (not deathlmusl I continue alleasllD days befare benefits,be~in, In NY. fa.'" ; strikes,.unianiz.ed labor disputes &- lockouts. you. must be, I unemployed for 7 COfls!:cutive weeks &- qualify lor state unem~ \ plbyment benefits before beneilts begin. A daily benelit Is I paid 'for each day of los5 o~er 3.0 days fqr unemployment in ; NY Go PA. and disability In CA., CT,O(l. NY, MI. PA, RI &- Sc. i You may cancel this coverage at any time. 1/ canceled within 1 the ilrst 30 days of coverage, all premi'ums will be refunded. ; Exclusions: Life: suicide, In the first 6 months'9f.coyerage ! {not MD (; MOj, Involuntary U,nemployment: retirement, i resignation, .voluntarY forJeiture o(income or job. loss p~e..to jwillful or crimi nal misconduct, disabilHy, 5trik~s in'IL: rmh,ar.l discharge in NY &- normal.::::!asonal unemploym~nt In'IX. V) Disability: normal pregnency orchildbirth (norCA, t;lA I; ~ ' Intentionally self-Inflictad jniurles (not MOl, ora pre.eXlst,ng) medical condition during first 6 monthS of coveragelnor NI . il ~ ~. .::!: , i i: i ,I ,;l'j ,~ ,~ ~1 1 " , j i' , ',l ,7 ,"... ~ :. '. ,. ,p' .". " , . ''J.-' I .,:".: ';'1 .',:: ' EXHIBIT "B" . III NATIONAL ARBITRATION FORUM @ MBNA America Bank, N.A. c/o Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 702 King Farm Blvd, Two Irvington Centre Rockville, MD 20850-5775 CLAIMANT(s), AWARD RE: MBNA America Bank, N,A, v Andrea L Shaw File Number: FA0303000147917 Claimant File Number: 5490997174070121 Andrea L Shaw 1202 Pheasant Dr S CARLISLE, PA 170131227 RESPONDENT(s). The undersigned Arbitrator in this case FINDS: 1. That no known conflict of interest exists. 2. That on or before 03/06/2003 the Parties entered into an agreement providing that this matter shall be resolved through binding arbitration in accordance with the Forum Code of Procedure. 3. That the Claimant has filed a claim with the Forum and served it on the Respondent in accordance with Rule 6. 4. That the matter has proceeded in accord with the applicable Forum Code of Procedure. 5. The Parties have had the opportunity to present all evidence and information to the Arbitrator. 6. That the Arbitrator has reviewed all evidence and information submitted in this case. 7. That the information and evidence submitted supports the issuance of an Award as stated, Therefore, the Arbitrator ISSUES: An Award in favor ofthe Claimant, for a total amount of$10,749.39. ~ amn, Esq. ACKNOWLEDGEMENT AND CERTIFICATE OF SERVICE This Award was duly entered and the Forum hereby certifies that a copy of this Award was sent by first class mail postage prepaid to the parties at the above referenced addresses on this date. Entered in the State of Pennsylvania Date: 08/27/2003 ~ ~ '" _~ O_\.~4 Honorable Harold Kalina Director of Arbitration 08/27/2003 AJ (J -lQ... #- ~ 0 :c:: "'\;l ~ ~ --0 () ~ ~ F! J ( ') t", ~ ~,', .' -, ~' ~ :-::1 c. IE , - , . . .... IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v, MBNA AMERICA BANK, N.A. Plaintiff No, 2004-00315 vs. ANDREA L. SHAW Defendant PRAECIPE FOR JUDGMENT Enter Judgment in favor of Plaintiff and against Defendaut, ANDREA L. SHAW, for waut of ANSWER TO COMPLAINT. ( X ) Amouut due Interest from August 27, 2003 Attorneys Commission Filiug Costs TOTAL $10,749.39 $ to be determined $ to be determined $ to be determined $10,749.39 plus costs & iuterest ( X ) I certify that the foregoing assessment of damages is for specified amounts alleged to be due in the complaint and is calculable as a sum certain from the complaint. (X) Pursuant to Pa,R,C.P. 237 (Notice of Praecipe for Final Judgment or Decree), I certify that a copy of this praecipe has been mailed to each other party who has appeared in the action or to hislher Attorney of Record. (X) Pursuant to Pa.R.C.P. 237.1, I certify that written notice of the intention to file this Praecipe was mailed or delivered to the party against whom judgment is to be entered and to hislher Attorney of Record, if any, after the default occurred and at least days . r to the date of the filing of this Praecipe and a copy of the notice is attached. DATE: 5'~ ~tJ{ Signature: ~ --.... Amy F. Ifson, E re Wolpoff & Abrams ,L.L.P. Attorneys in the P actice of Debt Collection 267 East Market Street York, PA 17403 Phone: (717) 846-1252 Fax: (717) 848-1146 ID No. 87062 NOW, ().w 9 , 20~, JUDG~-rN~I~..~~E" AS ABOVE. prPt~~~ion By: Deputy IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff No. 2004-00315 vs. ANDREA L. SHAW Defendant (X) Notice is hereby given that a DEFAULT JUDGMENT in the above-captioned matter has been entered against you in the amount of $10,749.39 plus interest, reasonable attorney's fees and costs, on ~ q ,200 V ( X ) A copy of all documents filed with the Prothonotary in support of the within judgment is/are enclosed. By: If you have any questions regarding this Notice, please contact the filing party, Amy F. Wolfson, Esquire Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 267 East Market Street York, PA 17403 Phone: (717) 846-1252 Fax: (717) 848-1146 ID No. 87062 (This Notice is given in accordance with PaRC.P. 236.) NOTICE SENT TO: ANDREA L. SHAW 1202 PHEASANT DR S CARLISLE, PA 17013-1227 CHRISTOPHER MENGES, ESQ 145 E. MARKET STREET YORK, PA 17401-1251 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff No. 2004-00315 vs. ANDREAL. SHAW Defendant AFFIDAVIT OF NON-MILITARY SERVICE COMMONWEALTH OF PENNSYL V ANlA COUNTY OF YORK I, Amy F. Wolfson, Esquire, being duly sworn according to law, depose and say that I am the Attorney for the Plaintiff in the above-captioned matter, and that to the best of my knowledge, information and belief, Defendant, ANDREA L. SHAW, above named, are over 21 years of age; is last know to reside at 1202 PHEASANT DR S, CARLISLE, PA 17013-1227, CUMBERLAND County, Pennsylvania; is not in the military service of the United States or its Allies, or otherwise within the provisions of the Soldiers' and Sailors' Civil Relief Act of Congress of 1940 and its Amendments. Amy F. W son, Esqu' Wolpoff & Abramson .L.P. Attorneys in the Pra ice of Debt Collection 267 East Market Street York, PA 17403 Phone: (717) 846-1252 Fax: (717) 848-1146 10 No. 87062 SWORN and SUBSCRIDED To before me this'1!!l- day ~:lUne - ,20W. O~~fttA ' No:ar~p~~~"V- ICOMMO~~~NNSY1.vANIAI Dina. A, Sweitzer,.Notary Public CIty of YorI<, YOrk Coon My Commission Expires Apr. li,2008 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL V ANlA MBNA AMERICA BANK, NA Plaintiff ANDREA L. SHAW vs. Defendant No. 2004-00315 CERTIFICATE OF RESIDENCE I, Amy F. Wolfson, Esquire, due hereby certify that the last known address of the above referenced Defendant is as follows: Date: May 27, 2004 ANDREA L. SHAW 1202 PHEASANT DR S CARLISLE, PA 17013-1227 Respectfully submitted, Amy F. Wolfs ,Esquire Wolpoff & Abramson, L.L. Attorneys in the Practice 267 East Market Street York, PA 17403 Phone: (717) 846-1252 Fax: (717) 848.1146 10 No. 87062 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff No. 2004-00315 vs. ANDREA L. SHAW Defendant TO: ANDREA L. SHAW c/o N. CHRISTOPHER MENGES, ESQ 145 E. MARKET STREET YORK, PA 17401-1251 DATE OF NOTICE: May 14, 2004 IMPORT ANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU FAilED TO TAKE THE ACTION REQUIRED OF YOU IN THIS CASE. 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 CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOllOWING OFFICE TO FIND OUT WHERE YOU CAN GET lEGAL HELP. 1 Cumberland County Bar Association lawyer Referral Service 4th Floor, Cumberland County Courthouse Carlisle, PA 17013 (717) 249-3166 ~ /l,,. 'E~"eJL, r Wolpoff & Ab mson, L.L.P. Attorneys in t e Practice of Debt Collection 267 East Market Street York, PA 17403 Phone: (717) 846-1252 Fax: (717) 848-1146 ID No. 87062 ?! ~ r y !"-' ~ P x ;? -i::: f. G. ~ ~, t. , -<> <>-J ,~ 'V h'" "" ;j ;>- "- "- I:> '<) '" " SHERIFF'S RETURN - REGULAR CASE NO: 2004-00315 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND MBNA AMERICA BANK NA VS SHAW ANDREA L 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 SHAW ANDREA L the DEFENDANT , at 1922:00 HOURS, on the 3rd day of February, 2004 at 1202 PHEASANT DRIVE SOUTH CARLISLE, PA 17013 by handing to ANDREA SHAW a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 3.45 .00 10,00 .00 31.45 So Answers: .~~~ R. Thomas Kline 02/04/2004 WOLFSON & ASSOC Sworn and Subscribed to before By: ~t tv me this /;L~ day of j~'7- ~'t . A.D. c} ., () 1n..J.p,., ~ p~h;;notary '-{' \ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, NA, Plaintiff NO. 2004-00315 vs. CIVIL ACTION - LAW ANDREA SHAW, Defendant STIPULATION OF JUDGMENT AND NOW, this ;2.~ day of -:::S::...e.. , ..zW1< come the parties to this action, by and lhrough their respective counsel and/or individually, and hereby stipulate and agree as follows: 1. On August 27, 2003, an Arbilration Award was enlered by National Arbitration Forum on behalf of Plaintiff and against Defendant to this action. A true and correct copy of the Arbilration Award is attached hereto and incorporaled herein by reference, as if set forth in full. 2, The lotal amount due and owing from Defendant to Plainliff pursuant to the attached Arbitration Award is the sum of Ten Thousand Seven Hundred Forty-Nine and 39/100 ($10,749.39) Dollars, plus inlerest and costs incurred in this action for a current total indebtedness ofTen Thousand Nine Hundred Twenty-Two and 709/100 ($10,922.70) Dollars. 3. The parties hereto, by and lhrough their counselor individually, agree to the entry of Judgment in the amount of Ten Thousand Seven Hundred Forty-Nine and 39/100 ($10,749.39) Dollars, plus costs incurred in this action. 4. The Defendant hereby agrees to make monthly payment on the Judgment in the amount of Five Hundred and 00/100 ($500.00) Dollars, until this matter is paid in full. 5. The parties agree that the first payment on the Judgment is due on or before July 1,2004 and all subsequent payments are due on or before lhe 1st day of each month, until this matter is paid in full. 6, Counsel for Plaintiff hereby agrees to take no post-Judgment aclion as long as the Defendant continues to make regular monthly payments as indicated herein. 7. Counsel for the Plaintiff hereby certify that they are authorized to enter into this instant Stipulation on behalf of their clients. NOW, THEREFORE, the undersigned parties hereby request a Judgment be entered in favor of Plaintiff and against Defendant consistent with the terms of this Stipulation. ~ o! Sf~)J;j Andrea Shaw Alifts[,!i..g.-r 145 East Market Street York, PA 17401 (717) 843-8046 Attorney for Defendant Amy F. olfson, Esq Supreme Court I.D, 7062 WOLPOFF & ABRAMSON, L.L.P. 267 East Market Street York, PA 17403 (717) 846-1252 Attorney for PJainliff ':~'r"I~ i 1( ,'" 1, 1J,.~l~LL NA,TION AI. AfrBITRAHON Fn,c:'Ji\.,,:i ~"./ "'''" -~ - (~ ivIBNA America Bank, N.A, c/o Wolpoff & Abramson, L.L.!', Attorneys in the Practice "fDebt Collection 702 King Farm Blvd, Two Jrvington Centre Rockville,!VID 20850-5775 CLAIMANT(s), A WARn UE: MBNA America Bank, N,A. v Andrca L Shaw FileNulllber: FA0303000147917 Claimant Filc Number: 5490997174070121 Andrea I, Shaw 1202 Phcasant Dr S CARLISLE, PA 170131227 RESPONDENT(s), Thc undcrsigned Arbitrator in this case FINDS: I. That no known conflict of interest exists, 2. That on or before 03/06/2003 the Patties entered into an agreement providing that this mattcr shall be resolvcd through binding arbitration in accordance with the Forum Code of Procedure, 3. That the Claimant has filed a claim with the Forum and scrved it on thc Rcspondent in accordance with Rule 6. 4. That the matter has proceeded in accord with the applicable Forum Code of Procedure. 5. The Parties have had the opportunity to present all evidence and infonnation to the Arbitrator. 6. That the Arbitrator has reviewed all evidence and ;nfornlation submitted in this case. 7. That the information and evidence submitted supports the issuance of an Award as stated, Thcrefore, thc Arbitrator ISSUES: An Award in favor of the Claimant, for a total amount of$1O,749,39. ~/\j Robert . Martin, Esq. ~ Arbitrator ACKNOWLEDGEMENT AND CERTIl'ICATE OF SERVICE This Award was duly entered and the Forum hereby certifies that a copy of this Award was sent by first class mail postage prepaid to the parties at the above referenced addresses on this date. Entered in thc State of Pennsylvania Date: 08/27/2003 ~. ~..~~4 Honorable Harold Kalina Director of Arbitration 08/27/2003 t't~~ c: - ~ 0 I" ~ r5 :tJ ~ ~ -.I F t-< }~ 1'00) ~ . ~.::'~ (:" -1...- -;1 ( :~1 i;~ ~ , -- (JI -.,..; r,) en Co IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff No. 2004-00315 vs. CIVIL ACTION - LAW ANDREA SHAW Defendant AFFIDAVIT OF NON.MILlTARY SERVICE COMMONWEALTH OF PENNSYLVANIA COUNTY OF YORK I, Amy F. Doyle, Esquire, being duly sworn according to law, depose and say that I am the Attorney for the Plaintiff in the above-captioned matter, and that to the best of my knowledge, information and belief Defendant, ANDREA SHAW, above named, is over 21 years of age; is last know to reside at 1202 PHEASANT DR S , CARLISLE, PA 17013-1227, CUMBERLAND County, Pennsylvania; is not in the military service of the United States or its Allies, or otherwise within the provisions of the Soldiers' and Sailors' Civil Relief Act of Congress of 1940 and its Amendments. AmyF,D I~ 10 No. 87 62 Philip C. Warholic, Esquire 10 No. 86341 Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 267 East Market Street York, PA 17403 Phone: (717) 846-1252 Fax: (717)848-1146 COMMONWBALTH OF PENNSYLVANIA Notarial Seal Olna A. Sweitzer, NotarY Public City of York. York County My Commission Expires Apr. 16, 2008 ':J r--:, c.:..;, ~:?: (~ :~~ (, ('::J IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff No. 2004-00315 vs. CIVIL ACTION - LAW ANDREA SHAW Defendant CERTIFICATE OF RESIDENCE PA. R. C. P. 236 I, hereby certify that the precise principle place of business of Plaintiff is: MBNA AMERICA BANK, N.A. 655 PAPER MILL ROAD MAIL STOP 1411 WILMINGTON, DE 19850 and certify that the last known address of the within Defendants are: ANDREA SHAW 1202 PHEASANT DR S CARLISLE, PA 17013-1227 Amy F. Ooy ,:ei'- ID No. 8706 Philip C. Warholic, Esquire ID No. 86341 Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 267 East Market Street York, PA 17403 Phone: (717) 846-1252 Fax: (717) 848-1146 (. , r~ ~"l '...J , '.. :u IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. 655 PAPER MILL ROAD MAIL STOP 1411 WILMINGTON DE 19884-1411 . . No. 200400315 Plaintiff VB. ANDREA L SHAW 1202 PHEASANT DR S CARLISLE PA 17013-1227 : Defendant (s) PRAECIPE TO SETTLE AND SATISFY PLEASE MARK THE ABOVE-CAPTIONED ACTION AS SETTLED, SATISFIED AND DISCONTINUED. Respectfully submitted, By: Amy Doyle 87062 Daniel F. Wo fson #20617 Bruce H. Che kis #18837 Philip C. Warholic #86341 Ronald H, Abramson #94266 Ronald S. Canter #94000 Donald P. Shiffer #89451 Andrew C. Spears #87737 WOLPOFF & ABRAMSON, L,L.P. I Counsel for Plaintiff Attorneys in the Practice of Debt Collection 4660 Trindle Road, 3rd Floor, Camp Hill, PA 17011 (717) 303-6700 cc: PAPR4/PA176A W&A FILE NO. 104503584 (") ~;~ r-' = c:::-> "'" ~::~. G'~) f'~ " ~~ -0 -' o -n .-\ ::r.:......., P\r~ -0 en :~~i t) -:;'r;.'f. _~.,.,C\ ,~~].(') ~:c::\r'f\ L~ )" :9: <'(;' f'.) ,-,.)