The URL can be used to link to this page

Home My WebLink About08-1670IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff Vs. JOSEPH J PFAFF Defendant No. D8- I1v7D Ow, I Term COMPLAINT IN CIVIL ACTION FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: PA I.D. #42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 James C Warmbrodt, Esquire WWR#05945689 Page 2 of 2 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: City: ----_-___ State: ZIP. ___-_ ---- Home Phone: Work Phone: E-mail Address: ________ L Informal Abed Year Account data they are posted to your account, ar in, last day of the billing cycle. This Last of Strip Cai Please report your lost or stolen card immediately by gives us that days tl d0 batanaa A credit balance u trmtad as a balance of calling the Customer Service number found on the front of ycurstatemmt zero. If a dilly pedodic here applies to any Isetum, we mul0py the daily Advisors are always available to assist you. You can retch an Advisor by balance by the daily periodic late to pet your pedodic finance charges for Pressing 0 after you enter your account number that day. ti Nen add these pained" finance charges to your daily balance ' Cmdltirrg of Paying: For payments by regular ltS. mail, send at least roger the beginning balance forthe nod day.(Ifmore than one daily periodic B your minimum pryment due to our past office box designated for Payments rote could apply based on the avenge daly balance, we will use the daily shown on thla statement. Your payments by mail must camDty with the Penadic rate tha[applin for the average daily balance amount at the end of inahudions on Nls statement, and must be made by check or money order, the billing cycle to calculate the daily periodic finance charge each day.) payable in U.S. Dollars, and drawn on or payable through a U.S. financial To get your total Peoria finandd ce of t charge for a piping cycle when a daily institution or the V.S. branch of a foreign financial instltution. Do not send pedodic ram(s) apples, we a all he daily periodm finance of. Forall ceM. White your account number on your check or money ocher. Payments textures. To determine an average daily balance, we add your dairy balances must be accompanied by the payment coupon in the envelope provided with and divide by the number W the days in the appliceble billing cycle(s). If you our address visible through the envelope window, the ahorelope cannot multiply the average dairy balance for each feature by the applicable daily contain more than one payment or coupon; and there can be no staples, pedodic rate, and then multiply Such of these resWfs by the manberof days paper dips, tape or correspondence included with your payment. If your In the applicable billing cycle(s), and than add all of the results togethec the Payment is in accordance with our payment instructions and is made total will also equal the Periodic finance charges for the billing cycle, except available to us on any day except December 25 by 1:00 p.m. local time at for minor variapore due to rounding. To get your IoW periodicfkwnce charge our post office box designated for payments on Misstatement. we will credit for a billing cycle when a monthly periodic rate(s) applies, multiply the the our with our payl to your account a of Nat day, if your payment is in accordance average daily balance for each feature by the applicable monthly pedodic mte ment instructions, but is made available to us after 1:00 p.m, and add the results together. The total will equal the Periodic finance dirges local tlme at our post office box designated for payments on this statement, for the billing cycle, except for minor variations due to rounding. we will credit it to your account as of the next day. If you do not follow our gone Period (d lead 20 days): payment instructions ar if your payment is not sent by regular U.S. mail to We accrue periodic finance charges on a transaction, fee, or finance charge ourpost office box designatedtorpaynnams, crediting ofyour payment may from the data it Is added to your dairy balance until payment in full is be delayed for up to 5 days. Payments made electronically through our received on your account. However, we do not charge periodic finance automated telephone service, Customer Service advisors. or our web site charges on new purchases billed during a billing cycle if we receive both will be subject to any processing times disclosed for those payments. payment of your New Balance on your current statement by the date and Aaceunt Information Reported to Credit Bum" : We may report tame your payment is due and also payment of your New Balance on your information about your account to credit bureaus. Late payments, missed previous statement by the date and time your payment was due. There is no payments or other defaults on your account may be reflected in your credit grace period for balance transfers, cash advances, check transactions. or report. If you think we have reported inaccurate information to a credit overdraft advances. your bureau, billing you smay to us at the Cartlmember Service address listed on In addition, it three it a "Qutlilying Pmmotinal Finaneinp" T to on this ttdemtat you will riot 'moor pmodic finance charges on any Notice About Elntmic Check Complain: When you provide a check se Remaining letanca that appears in that section if you pry that balance in full payment you authorize us hither to use Information from your check to make by Me applicable Expiration Date. To avoid finance charges on new a one-fime electronic fund Irmster ham your account or to process 'he pumhans when your New Balance includes any Remaining Balance(s) in Payment as a check transaction, When we use information from your check the Qualifying Promotional Rnandng amion, pay your full New Balance to make an electromc fund border, lands ry be vdthdrawn from your minus the total of those Remaining Balance(s) by the date and time your account as soon as the same day we recefve ymour Payment, and You MN not payment is due. However, if your stalsion shawl that a minim um payment receive your check back from your financial lnnt utlon. Call the euslOmar is due,womust recdveatleastthat minimum payment by the date and time service number on this statement if you have questions about electronic specified on your statement even if your New Balance consists only of check collection or do not want your payments collected electronically. Qualifying Promotional Financing balances. Cndihnal Paymnta: Arry Payment check or other form of payment that Also, forsome Qualifying Promodonal Financing balances, periodic finance you send us for les than Me full balance due that is marked "paid In lull" or dirges accrue during the promotional period but are not added ro your contains a similar notation, or that you otherwise tender in fell satisfaction account balance. Instead, they accumulate from bflling cycle be billing cycle. of a disputed amount, must be sent to Card Services, P.O. Box 15049, This is referred to as "deferred interest' If a deferred interest Qualifying Wilmington, DE 19850-5049. We reserve all our rights regarding these Promotional Fit nchn nlance la not pad in but by the "' Noble EeGita0 n paymenta (e., If it Is determined th ere Is no vmd dispute or It arty such Date, Me deferred Annnce ufurges will he added to your accountas Soon as check is had d at any other address, we may accept Me check and you the first dry after the Expiaton Date. Further, if you defeat under the terms will still owe any remaining balance). We may refuse to accept any such of your Cartlmember Agreement, the deferred finance charges will be added payment by returning it to you, not cashing it or destroying it. AN other to your account as non in the date of default. payments that you make should be sent to the appropriate payment address. BILLING RIGHTS SUMIL4RY Armin Rood 11 B, If nstyour account has an annual fee, it will be Plied I, Coo d bane Air Geed About Your Bill: If you think your bill is eM year arm monthhy ialknmts, whether or not you use your acwunl, ymppg, coil you need more information about a ilansaction on your bill, white and you agree to pay it when billed. The annual In is non-refundable unless Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE you notify us that you wish to close your account within 30 days of the dale 19850-5299 as soon ss passible. We must hur from you no Icier than 60 we mail your statement on which the annual fas la charged end at the same drys after des sent you the Aral bill on which the error or problem appeared. done, you pry your outstanding balance in full. Your prymmt of the annual You oon talephone ua, but doing so will not preserve your rights. fee does not affect our rights to close your account and to Iimil your right to make transactions on your account If your account is dosed by you or e, In your letter, give us the following information. we will continue to charge the annual tae until you pay your outstanding -Your name and account number balance in full and terminate your account relationship. "The dollar amount of the suspected error Exllammia al Flooee Charges: We calculate periodic finance dirges, " Describe the error and explain, if you cm, why you believe there is an error. usIn' the applinble periodic rain Mown on this statement se0ara'ely for If you need more information, describe the item you are unsure about, each feature balmce trmsimlcomenience checks and In advmce You do not hap to pay any amount in question while we are investigating, checks (`check transactlonpurchase, balance transfers, w" advance, but you are stlll obligated to pay the pain of your bill Nat are not in pramotlonel balances or oveNlafl advances). These calculadona may 'use tlin. While we Irrvestlgateyour questlon, we cannot report you as combine different wrogies with vie same dally periodic odes. If More is a definqumt or take .0 to so am "V iled the omt you question. IF you have ex " next to e P. ad" late on MIS statement, Nat rate may pry, mtl the authorized us to pay your credit hard bill automatically Iron your savings of ind of an margin used to determine that rate and ins corresponding APR are checking account, you am stop the payment on any amount you think is described in your Cartlmember Agreement, as amended. There ¢ a wron. To stop the payment your latter or cog (using the Cardmember minimum finance charge In army billing cycle in which you owe any Deriodic Servigce address or telephone number shown pre this slatemerm must roach finance durgss, no A' he A. a In at n finance charge for rich be"rice transfer, us at last three business drys before the automatic payment is scheduled cash advance, ar check transaction, in the amounts stated m your to occur Cartlmember Agreement as amen ded. Special Rule to Credit Card Purchases: If you have a problem with the To get Me daily balance for each day of the current billing cycle, we takthe quality of goods orservlces that you purchased with a credit card (excluding beginning balance for each feature, add any new Iraneact or other dal its purchase made with a check), and you have'had in good faith to correct (including fees, unpaid bounce charges and other charges), subtract any the problem with the merchant, you may not have to pay the remaining payments or credits, and make other adjustments. Transactions are added amount due on the goods or services. You have this protection only when as of the transaction date. the a beginning of the billing cycle in which they are the purchase price was more than $50 and the purchase was made in your posted m your account, or a later date d our choice (except that check home state or within 100 miles of your mailing address. These limitations transactions are added as aline date deposited by the payee or a later date do not apply if we own or operate the merchant, or if we mailed you the of our choice). Fees are added either on the date of a related transaction, the advertisement for the property or services. MA021207 (yjt3 https:Hinstantimage.bankone-net/Star/jsp/PrintDirectly jsp Statement for account number: 4147 2020 2461 4446 1 ew Balance Payment Due Date Past Due Amount Minimum Payment 18$4,955.03 01/13/08 $594.00 $693.00 Amount Enclosed Make your check payable to Chase Card Services. New address ore-mail? Print on back. CHASE O 414720202461444600069300004955030000005 16089 BEX 9 35807 D JOSEPH J PFAFF 1110 YVERDON DR APT A6 CAMP HILL PA 17011-1290 illlllll 11111 111 il11111IIIIllll ll llilllll ll 1111 llil ll lil 111111 III IIILIJILII IIIIIIIII LI IIIII II Ill I11111111111111Lllldll CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1: 5000 160 281: 3 74 20 246 L1,446 Lila Opening/Closing Date: Payment Due Date: CHAS 11/25/07 - 12/24/07 CUSTOMER SERVICE E O 01/13/08 In U.S. 1-800-945-2000 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect Minimum Payment Due for Credit Access Line $9900 1-302594-8200 Past Due Amount $594.00 ACCOUNT INQUIRIES Total Minimum Payment Due $693.00 P.O. Box 15298 Wilmington, DE 19850-5298 VISA SIGNATURE SUMMARY PAYMENT ADDRESS Account Number: 4147 2020 24614"6 P.O. Box 15153 Previous Balance $4,955.03 Credit Access Line $5,000 Wilmington, DE 19886-5153 New Balance $4,955.03 Available Credit $44 VISIT US AT: Cash Access Line $1,000 www. ha _omh__dit and Available for Cash $0 You haven't made the required payments and your credit card account is 150 days past due. You can still turn things around. Call us today at 1-888-792-7547 (collect 1-302-594-8200) so that we can find a solution for your situation. FLEXIBLE REWARDS SUMMARY To redeem your Flexible Rewards points, call Previous points balance 0 1-800-603-2265, or log on to Points earned on purchases this period 0 www.chase.com/creditcards for 24-hour access New total points balance 0 to your rewards program. FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Category 30 days in cycle APR Average Daily B Due To Transaction Accumulated FINANCE Purchas alance Periodic Rate Fee Fin Charge CHARGES es .00000% 0.00% Cash advances .00000% 0 00% $4,955.03 $0 00 $0.00 $0.00 $0.00 $0.00 . . $0.00 $0.00 $0.00 $0.00 Total finance charges $0.00 Effective Annual Percentage Rate (APR): 0.00% Please see information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. fxHIeir This Statement is a Facsimile - Not an original X 0000001 FI533335 D 8 000 Y 9 24 07/12/24 Page 1 of 1 05686 MA MA 16089 35810000080001608901 Address Change Request Please provide information below only if the address Information on front is incorrect. Street Address: -------- City: ------------------ State: -- Zip: ----- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: -----------_ L Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately calling the Customer Service number found on the front of your stateme i Advisors are always available to assist you. You can reach an Advisor pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at lea your minim um payment due to our post office box designated for paymen shown on this statement. Your payments by mail must comply with t instructions on this statement, and must be made by check or money ord ?s payable in U.S. Dollars, and drawn on or payable through a U.S. finand institution or the U.S. branch of a foreign financial institution. Do not se cash. Write your account number on your check or money order. Paymen - must be accompanied by the payment coupon in the envelope provided wit announce our address visible through the envelope window; the envelope cann contain more than one payment or coupon; and there can be no staples paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is mad available to us on any day except December 25 by 1:00 p.m. local time our post office box designated for payments on this statement, we will cred the payment to your account as of that day. If your payment is in accordanc with our payment instructions, but is made available to us after 1:00 Pun local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day. If you do not follow ou payment instructions or if your payment is not sent by regular U.S. mail t our post office box designated far payments, crediting of your payment me be delayed for up to 5 days. Payments made electronically through ou automated telephone service, Customer Service advisors, or our web sit will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may repor information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. If you think we have reported Inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment you authorize us either to use informadon from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full" or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P0. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e.g., if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing It or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to close your account and to limit your right to make transactions on your account. If your account is closed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g., balance transfer/convenience checks and cash advance checks ("check transaction"), purchases, balance transfers, cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same dally parodic rates. If there is a "V" next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and Its corresponding APR are described in your Cardmember Agreement, as amended. There is a minimum finance charge in any billing cycle in which you owe any parodic finance charges, and a transaction finance charge for each balance transfer, cash advance, or check transaction, in the amounts stated in your Cardmember Agreement, as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges), subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice). Fees are added either on the date of a related transaction, the _1 date they are posted to your account, or the last day of the billing cycle. This by gives us that day's daily balance. A credit balance is treated as a balance of nt zero. If a daily periodic rate applies to any feature, we multiply the daily by balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance at togetthebeginningbalanceforthenextday.(Ifmorethanonedailyperiodic is rate could apply based on the average daily balance, we will use the daily he periodlc rate that applies for the average daily balance amount at the and of er, the billing cycle to calculate the dairy periodic finance charge each day.) at To get your total periodic finance charge for a billing cycle when a daily rid parodic rate(s) applies, we add all of the daily periodic finance charges for all is features. To determine an average dally balance, we add your daily balances h and divide by the number of the days in the applicable billing cycle(s). If you of multiply the average dally balance for each feature by the applicable dally , periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the e total will also equal the periodic finance charges for the billing cycle, except at for minor variations due to rounding. Togetyourtotalperodicfinancecharge it for a billing cycle when a monthly periodic rate(s) applies, multiply the a average daily balance for each feature by the applicable monthly parodic rate , and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor vacations due to rounding. r Grace Period (at least 20 days): o We accrue periodic finance charges on a transaction, fee, or finance charge Y from the date it is added to your daily balance until payment in full is r received on your account. However, we do not charge periodic finance e charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and t time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There Is no grace period for balance transfers, cash advances, check transactions, or overdraft advances. In addition, II there is a "Qualifying Promotional Financing" section on this satement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However, if your statement shows that a minimum payment is due, we m ust receive at least that minimum payment by the date and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. Also, for some 0ualifying Promotional Financing balances, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This is referred to as 'deferred interest." If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, If you default under the terms of your Cardmember Agreement, the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write cardmember service on a separate sheet at P.O. Box 15299 Wilmington, DE 19850.5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the errorand explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rate for Credit Card Purchases: If you have a problem with the quality of goods or services ghat you purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. MAD21207 4440 CMA125r5 Cardmember Agreement obitcoedc carrier AcL'EMAM OFT= AigEEMENT _ oneAgssionsyoncredit cord accountwithmstafar¦nertdb o corstt¦pitgit,saidIrath8atcoum.Anyus,olyouraccostssrnrur AA1hO*4 us i?oPsy Plaess read dm sadko sgroeamrt and keep It for you Tor 11111131110 M An Tow W.UML I or and clmrg¦ ymx atcsuot was nosat"WE asw¦I tsoulf once dd orw diaitmAdeore tarWt'i0g psyss{otd trArea ad M together and 'adiuAdma6i.brespoaA?N If this is a ? accomd. arch Y ars uvrd 6Y,, g the sets," is used by rriY ors [ YON You Sills ie bwlw by this el! Mommots by all sign th, book at your credit cord when yo¦ rocm I ro egraasr igndoblctarsa 'WharladbyyouOreYour ,ccomtrwaeirp•••breY d youdoayaprYON C, yiseCWL*ilrin lion y0tl?ggymerestdand one ante, VON 70 days IIW 10 a grnest¦nt taibss Y account fair Inv perPose you ism not oo¦d Your w. , of end "oauP tuea Chow B ,morn Througlmut fhb ¦ Min.OuL du words' TM V-fd$ theIsswdY»?serdand¦WM? , PwEonwb¦¦pplad parsamstr io IN 00#14 as was or any fior the actmog IMW per 1 th account The Wrest aamwaow wwn mod= vubo±prose a that w, Lee bound M Pam TOY or adetseamr accasa devkec such ?SSnt?o numb to obtain credit leadas this egrc UStNG Ymm Acmul r o f attount and should be Rod 0* far P'dstral, boa or Yow account is a cotes we eprn or h is rsgtakod fry heal, eve br res}ms>bu for sa+eWdprsa sus purchased or burcd drool` utr of yew aaoamt You proms in less your account 80111tar void and Irwkd trarancilims f, m a?,mt¦met StaYLN>Vegatinsoamfd,ces h;smaomtespaasibillYiaNNdoN tbrtYou for parab6aD traaseciions. sad yen will retook P°? use Your atdoerd clog far am a It is nod p,r-111"Ibh F,ymg .Or t trat=a Pas YNle eaNO dD-?ar ehaett as a • orTmi card to Pay iWO-" ara . Cbeskswo My PAN you cash Advance checks a b ' cot?mekuruduaeks waYto use Yon occssat We also retar To them IS this -Finn" As, tact or cr.." yaa my use t check to pay [or goods or sarvicst, to x¦ndot balsam A balances In or for ode noes wa odosv Bin You may sot ass thaw ciai?s>o ttestlar the of f teeormt from atbar aceoaats with us or say d Our-law Losap? 1* a gocl ack Cs*s'i checks petssa who" Duo's Prloild onth.,dbncg t Ys" are maned as beisnt• Ara uast¦d as cash odvtaces and trana tresssr ? raakaleyou Micro ytrast trensr¦rs Mupt as noted is this egnam¦o o any rdbrr c lamb Hawses; ther?s cbards thdws cou tasu¦airncs chocks as blsnco In L(n you we subjuda dos tams dravreealconvr>AeNSChecks andcashsdvsne we cash edrescorates rorcash adran and has transfer baboasfrounDowDCwmdtKbtr&%MOther • saloseeTis.sfortYearrraY adahorsorany mug eyrJ isar¦rs of ognrlanders to this account, or rthar kalaecsirensisrsm ant you m o! cool Irmidar @ ponivn pill r,quWa b IL M bmOfat wi c=slpd your bshas+ VMS* ell to your avubblo of om,staled cmorp less, - process a P"111 avadafrfe entail am an may process I P"111 credR ym• use your card to tat cash lrm aMmatic CasbAdarsaRSS instinitipas YON any recoptiatg the card; of b 0111110 tr from WT Fmsncid Am d C eurrans7 nord'sy grim, limwim transfers p er track wager rs of for Nra _ You in trac its}, P a paymslrochasm or to gibigiftlavory tidrets. casino prraieg chip=. rsc k psyc of for doaifsrb" ad bil>irc PPY10- n nyYSistle, a Uiaar?rryservica eY °r to riffs oe ? i you hive on eligible checking ateaomtw1111 Ana d cow. Wised suiroll b m,y ink Ws =ctwln to your tracking ocwmt ? sox fahteba and cover eaosvArdraft e, dW ;ducking account undar the tams of dim tiro your b.Cugaccomsgroomnd eccnontvradlvid¦tbmhlboperfodusa0ad-fill cydse E?seL hlrov Ae1dN h NPP?nt1dh esa rrmrrllr I math i° ygo ? bbra o' yoAr oeetrad vdff be" a Ong cysts that ends in tfmlraordit stalemeo yours ccol umdiag is seek calendar mmalhwillAhr mand !here b a bbb9 fortinst • - tut P be an An*oftWi ? U Yoe akbw someone to use Yost attotaL ?m¦ all nudtmasd Am Yoe slmrid! think carefully behsn sfbliini atryo" A can audrmhad wow b¦en n yore are allowing *01 pNreoo barse 6n aceoud as you You WE remmb rsspONSllde for the use of your Nccotmt'std Ink c-11 fused y for accoomi tr=ading to the tarns al da, ,gr...L This bad-your respeoi3 paviNg as deign or yaw octave made by an 01111011C911 a YNU Nccoena it r+m Yoe oaty?r?quast sa addidoaai card Irx lest b1 at autborhrd _ do so, dds isc eA nay ippe . on the cnmt report of Is y0e f N? it Yea mast 0Nd1Y co tm tareliisla sin auihorivd user= "nub" On you au f as, wa may class the account and/or issue a new eard OF huucck sny op, er atco nt.M nbea Yoe should also recover and destroy ley means of access to Vole atzouo from that authorized roar she safer to the r,m& 1lm c your cladilTns appears on your ?9 sIWO-F& We 01 1 draw tb u credit nuu AS a credit %I of sperdiag imh. Your blikig s1SbMWl ms slaw dm 1 orilapordon ofyvurcradkfrnsmaybe used forcash ad-w4mCash NdreNt dxrma, cash advance checks, are charged agabitt the cash $dvaam Pod- Of YNa cre fhta icr and of now xmnsectiotn are chorgad aggleA your crestl.6na You an rualse as s. and kaeping track of tw actoarrt bebnca, including am has and rananca paakiag aura h ratitbu balenr yw truth roe it yyoour ¦ctount b&lMl is onryaar oragt be for sty fe¦wn,We MY cb¦rps you ¦m onr6mk foe as dascr8md is this egr¦an,at We may, butera ratr¦qubad 1r. sodiorirm charges that go waryom credhres•Yeu must py, a Ans"L veer yw erad"A rma, end you must payy es lmnrdiataly it we ask you to eTh}s linnrmsd app is wq Wears overyoar crodk Ina am cash BM-0 purillso t our drecr¦6oa.vA paY'mKrat mar time eens, reduce, a cancel your credit 11:0. or of your mm^nw A clongs ?yawcrd A A MA kinsWMsoteffectyourob6gtsar wit oatbacrwa y yarn in pay us aAS Ldasaatkaal treaasscbbns iadud, any transaction that you costs it, ak Tfo¦asm a tut you unit, autsida or *a Unhurt sides of America van makeffioioruigartirrtall make a Irsasacthm In a loreipm cemmY• Yea I Is l k a made U 5 doioa i you duo treasodion into US loll bin iAr *w* cu renw"rcy con cmrw rrsi on Pwill toccetas The ncchange rite such h darters byasiby or bins in rs>?r=w r'? uses b clone oa mwf IS a aim that It selacts tMor from ?gr duis of rates avaltbp in the mholssafN csrriarcl trrrk¦u lair the Applicable proc nu army vary from do nu the respective softy baisu ? _Litt l Bova tad rata In offact oa the applicable processing rmmaacabb N debmaydipetrromtherole onthedate youendyourtard or on the ,ccaYoppmtti We aWs sesatw the o=srn s1Ng fight to charge you aim SAMURAI dance poreaat 0%1 of the doitrsaanosatalNOYir+lerattiamiuansud°n'whofhaflhattrsnsetfioaxeca+gb'ag!' U.S made in U.S. Mass or was made In another t urrency and corv¦ wd in U.S. dollars by %in or MxLyCW in ahIsmr case, do 7% will be calculated on the U•, do amunt provided in exty"ank The now process and charges may apply n ny transac6anisrevarsod• stoat'"Weual:bomarenotnquiradti,decline ayaacacOoe abralts onysoracdaa-br olauY tbohdimvWgrsssonF: • baeaAtt of nptadww emsaders6ons. • batatrstYOwNCCSir°t11siadtlaadt. aid knAbot ar whwhd scdvky or, • in =., &::..ioa. !ur 147 D*w rearm. We ere rent respumsifo is soy bases 8 a fnnsscUon on your atr:oua! Is declined to any mocnn. ¦ow by us or ¦ tbLd Pre/ even i you have svf missed uad'd Millabls. fa OF" m use my require that you ro&vr your account with in uthmrrWfom system timl sve saint Ws wa soft You ilwa vion1 you to rogistar ll yae do nat rogisilKwo mry dmtd'ino your gabs transactions hmf¦ast to payfOmdrs=Eoeh ehaekyos write ?yyour r lac ds t whether ow; to eau mis fe that a acheck ct her plemnf. we may fouirvir irad yaw chetklMe rani ksnsre rwtragurrkd m• telstt and ratio unpaid a shack ter any meson. Including the iawrriai xxomplas: sins Is the irNYea on the chock roldsid • c tti?aarwdtaercosit aC0dsaace0PP psAtonofyour cradlLranohisbeanm:c¦adedorwoold • Yuen nda iimencash . be aueoadd8v!s}ntoId the dock d pcsk-dated thaek Is paid. resulting in anothor chock being • Thi ckuc or or ustrrm¦d stdpand wa an not raugessibh• You haws used tom thick Afar the dale specified k. it • Yoa are in delaAk or wotdd be ff we paid Lost at >blAas Garda. Checks tw Account Nmobarc U any card, chock, occaunt number or otiw swiss 10 amass your account is fast or Swi m. or you think sweous ¦sad or You must 00* us at ogee by cdiig the in" CCoid we i Benin dose willb"01 p?pona?twmbar staram as Your card or biting Ablutions. Do not use your mcuml. Aheryov an* AA, even i your card, chock accouttrmmbor Or other M&AM to Boom Tow accourtb found ? bralurnih or may0 terminate o xdxp m yaw its nwwrited on crunitpsivilogaavils oyamtmtf(f aaco nt. Yow nor be ;R& of donro is rrm106m'rtd w or ;:»: scrR•M 1" W?!'itia rr-'rt... no benefit, bmYmr Will cut be liable IN mots than 1i M of such tr:ASactions, and Yoe kuj4 will not be + §Ab IN any Wish transactions, ey pu must ideen&f for us the uns nulhovvd tllurrpr iI onwhicobr yourwoWsdmobwwPL read. we may mgdoyouts pervade as information in writing to help us rmd otd whsthoplo we may ¦ AY, require YON to comply wkti csrtsin procedures in conpac6ce with oar invasdipatiwa• FAyMUM pra Parnell! laa#o an= Yom billing statemet an and comparrrth tghe dulea lea d time include de hincdoas AN most follow IN making payments which we xw!s rectuve the PaYMW yaw WAS topertts umammis Van Own In U S dollars drown on funds on dapushin a U S. inun cloceiaib ?ormi doWthat?loprxN:: a InEfitutive or bononad ?fixonclat Int gluf rNa!x s? ? accept cash Payments Your total BMWs cradi may not b re ford t!vmpa to 15days aker we recoin your paymem AnY pfawKadum* at- other fa..a Jiff nxiaved which yo: send to us Lis 1pu then the ftl oayaoAmuvxm*W brirlrwwthasimilar notodoaorihn?.uogmrwiseands, in full smlisfec" or a lrreptud smoum Itwaoidonsl paymanuL must be sent to as at du ceadilljoile psyomttsaddrusramd an your m mthly ststament Wo msam all ow 6ght• rsgordbrg sock psy mods For titn"As. d it Is dotermiaad there is no vsgd drsputs or i any ruckpglmostrsnstsWod at may other eddross m mey accept the psymealand yo; Vogl to am cony mmeidni balance Wa mey reuse to eceopl Any Such ni ym eent t rNWrribill h IN YO1h Set cashing k a by dauroying it An other paym =Ie7? by odtA duo regular payment sddress shown on your monthly statemauts We rugs" due right to ehcumically collect your aligilae payment cheeks, of fir,, preswwwsnaiud wyroprosemmonL hum tie bank eecovnt on which the cherkis draw' DerreeeipttdIvor Pa,manehecksntouraviha?i IIBItTog,tttheamnordu the shark eecvonic*, or, it needed. by a dish drawn against the hank accused Peyra of rhacks vMba collected rlaciroai=dlybysending the check mine" along vhtb the check reading °^d eyu:oerd numbers to your bawd borne psi coord prymonyt be debited as early us the some day we receive your peYJea check WO be destroyad and sit beep VA be MBadamed In our records or shown Minimum Peymerrtyou agree to pay at team ripe rem b oen permit s??'s shaven DO your bli ft stntaomad, so that we receive is ? and any Pegoo hit an t ism duo you Mary Pay mono doe the syideuan payowawwi the owe us at ray 11in. B you law a be lp a????? becausefifronce derives soatot you pay tm, the hie Yaa W i Pay accrue on your New Bed on ri angel ohm fro°r beg?dgD bWoo and your unit helium idea Your (riling g e on your baling stoDomint! I the New Bsloncs is Sig OD or lass. Your ' largest oh rtmwg dun well be the Now Balance BderNdca. it wi be door minimum the iopwAngSiBJVIS of 1111 Now Balsam;; .bled lets mini heearlimM Ieasa As Bad tots! bled padp& Yale rumnoe 011111104 Pori of the ndnkn= payuoat dpa,wB else add any smmm past due and any mWOOnt over your cm&lkm. yaw Padcrat Alboallow th is most faaa to o enient for us. For onoopls you and gr bo is In I ho Lo in way d end credits to balances with lower APRs (such or, pmoa 19 appM4 before ba?? With ligbn APRs oar, pro 0lvarc Ya uest a relnmd Of a cnodd balance et any dear Wa may raduredRra the a mmoue View Of f any may credit brhnca by the aamomd of now charges steps blood to your account to automatically sharp your petomodt Clangor Yoe may enddtW a third ? charges. memberships example. mmMy accg urancepmattnnraVput?= charges andioasranaptesbumsl atestopped lotWrynoeam6eckedawil accooat is closed or suspartdad Its miry runway) a your account beeeurs Year Yom oreraspossbielauodflingtlwblerandpaying dimcharges nurriber dinardyc1JYlunp°Yf e.ccount begins whengea we "" but are nat ffili -led % old se lic- your now srou t your eccouesramybu charges that you Daleslied to be Orden your Durable yo mati wwr offer Prova wvies: from ou bow the tenor d do °Ru acrd buw Ions v tiaturwgf eR'=t Any ep u erect to da tears of tidy sgreornant as modibed by the omadonal ONoc Daft NAN CPARA?a and Aarruei Potenlep Betas: Your sam lit peiaealege rats ? f-A Pas slid d* pariede raus ors fated OR the PAM and i*es that To 90 the deity 7abla is 111 he eWttMe of 65at or tp nact s a ound up et the filth { potiadk filly ! red to we dividcurnee pate do APR dnDd° by place to the right of the declared Point eccounlmayvWyvalhehanger Variable RBIsaDnor more APRsthat appiytopaot is do Prigs Rate Wham yea hove on APR that varier wit cheaper to t d I18 ' dine Role, we Calculate *a APR by adding a omargbe a da Prime Rata prb5cia WaBSlrratJournahmboAmma days balm the Chain Date &bWm ellpr bA6ag stalmatd. Tbr?rhea Bate' Is da highest w ) ream Reis published in the WAMY Reiss section of flea WARS1"KJournal If The WrgSum Jinodtdops pt?inpyD the Prime Rate.va wi ended a smrBer rafsnooce evil and irdoumyole DOYae bDling Statsasend of thpaagh a $@penots nodm A'tnrgk.Is do Pwtudege wr add to do Pdme Rau to sahmlmts the APR A 'busiar=s dais is tNry .day that >' not / e'eeka°d of federal haidey. The Rates and Fees Table slaom rrddrk Yates, N nay, am vorblim rates R also lists Bit arervin h'r aoy b variable new will any mbdmain dally prrtodit rote and corresponding APR Tura business days bsiece row Losing Data r ONYr? M"w M to pat what the ThPdown e doily calculated a dssrbrb°d above the APR. The drily p to a daily peinodc rote tram the prntous billing e 1 f yri our e ca rmless rdM in s Bete has change o has e do new rate wall apply its of tit first your b So c . day of youar Min* t:tbgYcle that its in n flan celetdsr month la which we nrsiyitde calculation N the dally padodR note fatness=, YoswtO bsvr te pay highs P r f insom charge Well may ban to PVT ¦ h3Dhar rolidentan payment. Delman Bstec Your APRs do may vary 3 you ere in defeuh under dolt egrmeanont or Bury other sgiewmdyou hove with us or any°f our related componies for any of the loiluttiing fn0i0r,= sag gut is Yawed on ids account or any other • Wit out too % to may PaYm nt des by the data Bead alma ith in. at least the mirdmura Payment account or torn wit due. - You onmod your erode In on this seroum beady - You make a payment tors that is not bowed by your is tbsad.wr dagsnd - To the moved ~d brimmil, at anyd- an your rhonk imme[rau psym m of yo mMvnft bsbnce and vo de not rrcelo payment vu= _he time we sparfly" sea dare APRs McladinD eeypraaodonel 11 a dgisse evepts uctms,we meyinera APRI on eg balances {excluding overdraft advances) up to a v axkamm d tois to rate steled in the Roles and Foes Table dWe ar army idco? the ?I w° foapceto the your burn da s your dete rote: the of do el defrugs on your account POW M=560"5 ordshone sianea, seriousness ss ss and doing aner;bdoraatiau Bbvur your odret robdoutddps of your aeeoued usage end ptvb VAth us Or any of our related conrparotes and informedoa we pbtefn {turn consumer offoc! .. .1 credh reports obtained from dhibree au% d she defaults tdt?ePPhi1Dpurchase the first dry of the biting c? age '21 ..rim=e Le7 balances lam the P-40's bl"Oll cycle da' which Pderdiic fmwcr dirges hove oat beep *-*bald 11 we dstido your sells p to Increase em d? A?fl 'van ddd? a stated in du Arias aannd Foes lacnw Ynrm °P Table, we rrsesrr our right to lawaese Your APR In ibs avant of anllrlete dstenalt W May i eftil dotWoi Your u reduced do look am or rebrstaro standard sters to all or selected balsam rumors ilaletdadon-Two-Cycla Avetege Dsk 8sbm ilia W floduft NowPwcb=P rpOrcbnwvndMarrowf1a9YReeemMtbodildaDNew Trewerdioa4 for Dthor Tm=wAa a: We calculate Periuda boo charge= wpwa* for much balance associated W* a dilbeeat esbgwf of bsasredeps Purr oxmikpm*ms, balance vanders. bdWce usaslsrtdnreks,creLsdnntes. cash edv omcbad5, m'erdrrlt edvsnms6 amid rash pmxod d. Them coin bribins may too&w dimat cetegorias with the same dBBy periodk man Thlr Is bow it vmrkc We CWCLW an odic fiance charges foe purchases in two stem as loftavvs; F fair salt dray of y the billing Cycle. we moll?ply ibe drily berms by tit dally • 'ers% ta s parledit raga b we tatddpl? the tlalfY balm=* • for pwc, let cede day of the preg ria cycle aa b cane daily paritedic was- ifoMever< for po motdo 96 second it I n that bIf we re W of is taA d da Now Belence ? pptrsvisasbifiing stabmnlbythedolered mrdoadWo opaymentwar do or Hs furled= ffnna charge were study land an that a bIpromatiOnal Ws edeuelrtetha putodie (ranee eMryn for pnnrrh exbJe rote tla tr oln but ws on the promedand rote we ededeo pnadi= fmrnce charges for balance tragedies, behma tmrslsr chocks,ctch a,took advance chrcts,andoverdrahadraeyasfryonobi the d*btdeebcs for each d dross er?apitR bydN drily tmiodia node fora ibose aitopo$ S. each dry You may have overeltalr advan=aa my Yap this aeteaenen rheddng rccsmd wit erne d our rrlaUd bmd?We csisuiota the potisdir ieepn char ac for balance uegslors, belstrcr t linos Y aclessubject to a proawtioad advncn. udeasb a a fair butwr mite mwu. Vital To get do d Ubnm for oath day for each catogme r. • Wt add is s i fist balad hobnce Maus es may nay nower thetdg tr tauaattioea, leas. other eMrDae, and debit • Wit dal odptats eats daft apply to tit talagoryt We add a Yaw passbook ash advance. bsimmurerror ovrrdnon edvnce.I apprca614 to the dolly b bscs n of the or, iomIslan r a lithe deco d our ti ei tales odd onswcoosballymency check of dear dm No cash advance de alomas ?a drerdr to check delay by a paYn. or a latmr dote of our an# et balsam tnodsdar thick is deposited . WsrlOaA (room that hours say psymaals, crodK Or crelfr its ustruw& that oppfytsdarcedagory and dot ors credkod as of (bat day. . We Vestal cm& balance as s bolwee of two the daily yyat--Bea he aft balance fur each claw for The nerd dew eve add the Wiley puladie Am= cbarvv to" daily b lm-! N Moto than oat drib P Caved bemuse the note fee the c u mpo yr i arr based an the in a a orange do agamg[ o[AS 8t bdaate, we will gee the dOA_?p war drat appTar d0 d balance mmrud at do end Of the baling cYde to cab sdsro the dogefirgre e cbsrge sub day This egrnrd presider for daily taapnaiagd Annots observer aid A of the duly To in tsargtasiodk finance charge tot the Map cycle, we ppndW ff? charges for each category for such dry dwbg tier bl'arg cycle. thrence charges on purchases, N nay spit forthe prsVnus Phatis rrv if any fchrre stat?in the Rotas OW Fast TTaeble N it isommmgiib add Bounce chnr^we evy add no s no addidmiel rnennt to mob tie aitbwrom RMaa add dot wmsm lo do belaom brporehasec undo dining tbebilling cycle of the The M d diners charge ea your account for is filling =Yda eb be dwor sum p rung Bryn pin any transatdor to rooms therps- ForescbaaNa71A1ea1mW enerrn9adsgYbalsecs?ycimdYrgtowtrrnsec6n=) lair do ):y cycle by adding eN your daily beh inns mold divairrp not mama by tha aeeafa?d drys in the idling cycle N a perbxfit Monte cheep ter purchases nude dwlgltie PraviDYL bifaeg Cycle sppBM the warp d*kboee lortb°se pile tmka trod da mm way (t ee dy Ifw - -gm dally bolence for acatrgorllylAat°etagrfsdolly poolki traw, dp?bythe i asurdoor et d days le is blfirtg cycla, Bea teed w"N ilsrnr rertedrps do to rouo lb bolumo slsobblothotWftW.Kcoidformid pass= odeo ]ehMldAcero mrlolralR oameaa•YearC?thodawk td lmdeiybelmce epmi arreantscbarysrtcantNsaeetitLWSduwtcbtrgepedodi° onme-8 gas n n ovvparch msas blind itching a arbill" enia cycle ileac no is colve do and ro ? bidsnte by tha date sad 6.05 floor Q1°+'°oa is w and we of year Now Bok=B EM your" in b stougmat by tho day sdigay°tl' psymmnt Way}s dn.Tldc exceplmre or'graee paiod' applies Only odweba?,w . advenm tJayistt 1 or overdraft advances. 11 applicable rshscls, cosh mA advance its in the t of fin or Rates and FoestTab a lot ach of tyear he o kADvft vonsections: • tr:sbdasecrchecks; . crab ediwe as an le behalf the In addalan.I you one Od party s"c$ 10 ccount o" mvy ch paade transaction lea and the s9rvtCa chorgss the P Ymad to this a paymera These IreaseeOm?fassuvOn°nasei,erpas Weoddtbeisstothsbaine a related lea category as d the iransecilm data of the cash advance For example, for a cash advance would he added to your cash advance balance bab11ca hounder lea is Trrnsa.0 ivp Foss lam HairmFm Tratrslmtr: We may charge the smowd stated in do Rates end Fees Table for each of the lolbwing tnas°etienr. • belencevaaslardaocki; • bat°nn tmudort. relatod These trsnwdi?ab: Rdbo3 data of d 7ia balourca 1rPnsls For oz mme bt °aa category we of lpoIne tae tore balPaen tnasimrweald be added to your babmreP transfer bafanCa OTHER FEES AND CRABEIFS We may dwrp Ike blIPY hap less The mrnoenu of rose bas era Wiled to the Rates and FourTabH These lnswNibeadded tothebalance forpurchases mad@during IMMl6ng cycles Annual Membaa Fax U your ecoonm has an annul membership lea, It will be Wad a Nth y wa whether or not 6 year or is ate pia W fns stated inI the wisRe ? The IMAM ewaebOMMP h1hal not you ua your n V us t t * wish to close your account vMn 39 tea s nar.nlamdalab union your ao dugs of the data we and Your billing statement on which as manual vax6wdo be is charged and m:dlm same tbam, you pay ?ronr outsuadng bahaco in fug Yaw psymmat at the annual mod*tsh? he doss not atlad our tight to claim Vow account es gull your right in make t mac an your accoraat It your mccoeat is closed to ?obsb we will cartren to charge go mnaual nuwkmMp to until you P yVit in foil and tarminnte Vow aocemt robtioadnip the Late Fee: N we do not an awe abOno staumsnt lot any bilbl cycle. We may charge the ? Ise ho as In shaven So an Yaw catlr.Aam am b*a lame xRates at it Fees Table 11 do wq du Previous Balance Into too onlh's raatareert that Shown 1ha lets In Tide bebace is the room as the New Bahama shown no the prior maath's stmtemed brwhich we did not rrcol" at least the required mbdmom payment by the date sad dint it was dos darit gm at a" thee dealing a billing overstalt CYPW ev Fax H year ma o do % bebaCa it ewer yew in We may charge Uds ion ran year ib mly, for urn many c org pr a a t"D ocilemaaiawartl ed We v m boesw sba °adr Than onmro lee we tn?emyy w bitting cydo. But we may charge an avalodt toxin subsequent Wiling cysts, awn N no raw transadims we mode an your account. If your account balance still is eve your cr9111L rot 3t exty they daring the subsequent biling cycles Asmara PsMmd Fos U to) your paymaat check or similar bstnmwnt is not hooorvd, (b) an outoromtre dabtt or other obetroric p"umet h raturo°d mpmid, or Id eve most ration a pwymet cheek because it Is ant signed or remark by processed. we may charge m return psymaM la an it cosh advance deck or bab9ee trsarbr cheek Return et Ryser Rsero vmA ur Fee N (sl rlbbi we stop payment to ent pay a cash advance check orba baCa transfer check we my cbffp a reran chock lea Adalakhdke Fats: III Into request • copy of e blMhhD sutgaeu, sales dell or Aar ar N Von rogues[ two or mont cads or any special services liar record of Yin =to" d boshl we may char);v you la than services axaa?a, wDbitolift e will cards on an you for co billing siatmnnis, sales drops or Cooler oapplicable v r3qchoorge uutt lt"lor y it am in Aconpgl1es a of en may ru lisle a and aanegaWutusIcahn documents eqts we tIoN yyvia not , Iho law. Wo any dool m, tear or7 svrvhces listed above bove erne ovwr s arviea vv we provide, Me Imes tram time to 4me he elect when we after the sorvk. DEFAULT14I)LLECTID0 Ws moy rorisidKVou to bs k default ft any of ikese occur. • We do noust:eva atlast the minimen stand dt:o by the dap and Onto due as shown an your being shrtommet • You amnat! Yin crodk Ins. you log aN to m pvmPiY erw the terms of this aproemsnt or atrysareamom wah am of our O • robbed compmries- • Wr oWWia itrheme6aa that eeusss vs to bebevs thatyoa mmv eta unwoBnl a vnsbla Io pay your di ft to rem or to others on than • You lie lorbftaptcY death . death- • You became iauapacltatod or to the event of yaw It we =Wdrt your ormixt to In in dalmtdt. We tray doseymr account wdt"notice and reipnrs Veto to pal par unpold balance rmtmodbtolttWe aim may require you to pay tntermst at the rob of wet pewonnt (IQ a mumm us the mpek balance "live vve doom year ocemmt to be alit or morn billing eyd°s past due. To the vxbrd ptmritted bylaw, it You are In default bo ere you hew (aged to pity us, yea aril Pof oat wyedon cost; onerneys' fees court costa. and of olor ospanses of enbrdap ow riffs under We nwoomenl CLOSING YDUA ACI,CUM call as to close your vccouid we may Yov may dose your account at any hire ft you require that Yaw coalrmm your request in writing We may dose your account at any time or suspend your credit piwReges at any time for any reason vvl hM pea notice except as required by applicable law. 11 eve close your aceaent we vdl not be Nape to you tar spy consegvimces resulting from closing your occourd or suspending yaw credit prWrgrs 11 You or wa coma your oceourd, you and any Budmorited users mod imawdietoly stop using YON accamrt and doom, oq Cards, checks or othPrnmeas to access your accoi nd of rains theram us upea request You we'll cowme In be responsible Lot charges to Vow occoaal, um 0they are anode or processed meervoru account It clued Bad you will GMA i2ii' . be raqumdto ply an aststeadbrg babmcn our your S=urd ecoorrleg to the tarns of by ,big agromenimiL to adigimto do "Il" demand IM 'a my eautaieftbefm n ?°larm lady or t° any time after er ruff aeea+a Inclosed you to pay 1b AHffEEldW CARE14JtL1L IT PROVIDES THAT ANY DISPUTE MAY PALFA FrM T?ENT HE RESOLVO BY HINW6 ABMTRATION ARBITRATION NTLACESTHE RIGHT TO GO TO CDUKL TO WILL MDT HE ABLE TO BRING A CLASS AMON OR OTHER REPRESEN ? A?l? Nm VAL YOU 8E ABLE TO B" ANY CLAIM N NOT BEAKM BE PArrm ANY CIASSAm" OR OrFm IEPBESEI fAm ACTION EROU611i WAIriM ELBE . Dp BE FIEPREUNTIED IN A PASS ACTION OR OTHER REPf1E5819MACTOL.fNTWAIISMOFTHISARBrflsl MASREEMENiyYOU AND WE LW Oral HAVE hAD A RIM i TO R BRING fE"MS INACDUR?»AMWDR.MIRWWP _ _ N AREP ACTIDIIa O MOB TNATiYOU WOULD HAVE IF YOU WENT MOA 'Law OWTAS07719WASEFBOVID® BBDKTMRRofys AflENR01VED lead igA illsiaatThkAablim"WAgaaaanKisaadaporwaattoetrenwclioninvohan9 inbr+tmt3 aaBhte?4 mad tdn4 ba lawtsod by end bP e3torasabh under the Federal pbir6sAeiw'FACAUD;asadrrasmrdrramindool rtoe? YA" I for belowlmay sets tmrlhtladraaamr? be mobil bFwMk$*m boom d being Bdpaad b court Pamdtm CwmmaLfarlin Qatrposme dddsAaMltm6vn Agntnmmrt.' ,.nc; Insvaxassnd'oor'oho esalgns, hclttd3smsrpena4srdstdaifps, a6Rater?iemnste:,prrdeceaarr, any t it ym ActmmhL ad 3141 tier of8cam dbecaom mrplrhy3es, agents, pm ssipasareayredcaldihowAdMW*.,w@.,Wwood a-- s mKhrcbrdscryIh'vd end Pv?pripswi eaeps,saMcet,orpradoctrinconnective widetoeAccount including b+t imnBPd m pndL(bmarmru, mmrdaats drat ptcry cndi "co issued under the Aetamil, rrarards prof and m roloml same''' uadlt insurance eotrperrias, debt resins.3ad+Hafttr°ir° drsd°R'°+arPbY3a'3o0°rnendrepraserdatives) A, and P*ILar33 Mdponyitamwdbrym n 3 eo-dobtmhmdh any Ilaimyoe assert °g°lmici6 w we mX widrmr the admes coaseal. den mandatory. Cletus t3aaPd Either y? by mMhsr you or ar agi ridling 111111111111111104 01 dimpols of wopbalow pW^subcidbrtes?illews,binsfiderios,agentsor other; the or raloft harry way to the CedwmW w AgrnmMt. owl -or laa? ao&cerdAeeaer wtwadrartiang.sppiutlon el y3ur Aeaaal 7•Thk Arbitration Armem M pvvsmc a Claims. ?ttimsi Oirm am based as b% 900, keenest, rmgaia69a, ordbuaao, t'M conambwli Imnlida t, or OW age limy d boa such as respmdeat canner adarrlmtgd mat agmilBb Smood Bad wdniker seob Claims seek arrow". d3danmry or MANSbh rage(. Gobs sub).ct to cAdL?rafweApamma akidrrdeLletasrepsrdingohs3pOll-b9hydthisAthbrslion Agrom mUOlWvmi a,*eadne cardmomberAgreotseartrnmaypriorCerdmumbe Ap soon L Wh Add FWM AVM"d iaclodes pa tint uasm N to peslr w srkss In the praoerd 3rtha l ma As rased io ids AMmilon AgrmemePL the tram Chia it rp be *MdmbrpWOdPessbb nwM1. chid ariir31fa36 C3e13501e1. Pro made aseomlotdaks, cans clams, etlnroifin. and a pxnr whe hithtles a ptocradlop In bdwphm&fs OF irmumba wide mp3ct to any Curb pPaus sdvanred in the bwsafl by cautt tthal agcy A, on Xt to s- 96 ArWWar ApPmmmn6 Vino nraio do right to pursue in a small dabs ePmswNCt°blWit; aiinatlarncwiafsiudrdodoamidproceeds onanbmdMduel basic: Bapmsyebetsts abdrma a Il•4,daB arbMratiom.il ba towhead as en pdrvktrai acl oll.i amp in stet M spume IF NOT s std 0asoohbeak.rTimpis tae¦ that ev an addmarb r iteimtsfaPlbew aeoMMsd4 i1°proaclfaastrcA3slntbtheiw of°priveb Naducettedeobrestim d rmo ooh miaasa3?lleoea>e3.b'?'edona ?,fdWeryor or w so raised ceri it will i be m sa eoasoid ow law Proceeding will" the fie 3al - vd wide any other nrbiratim pros ashir3dw cotcet of i p°us1PC 7ka 9* Clews dial may be johnd In sa Individual action under this A¢iba "A9nemmed errs Lit thoa lemu* by us agabd ibv and Bay co-mPpiicenL maim L- W aroltiodud tsar Pf Vow Acwna. oryotr helm at your tiusion in brattPpat? m to lloa fore4d try you mad any eo-anppGe3B41ofal cordmesmbr, or coded "w of yowA owk w yam hairs ar yore treatP3 b Mnnkrup?t y Pgeinst us Mdiafims rl Atiitratia That Inny HIM a Chlm hn arbllraIt east t:hvosa tea DI the b* Iwo Aasrkea ArbNrtlioa Association; or National adamfin Arblti lya miLmma ode galouwrn° we Independent from or The adminhvlw doer rm anadmd don whiredmis Arbkm tut is t4ndpated nmdw the rules of the select" etbismdm by °n imp°rlWddvd party cistm iq mewrdonea with the rules a1 do sicM wafts adadaklrOw cad as may 63 provWW in this Arbitration Agraa mM AN atUmfit a bPri ng tint yw attend sink be (told 11 a place clasa."I bV the a UMM m arbbaaa alaarvsraeor v*Mn that federal Wockl dMM." M wmich you rssid3 rigo*0 no Cbfmir 84 orats amts oibr Plain; in whlth you and we apron in wry Taa may obgim copies at *a carer. rates of each of Urn tWD arbtuetiop admidea,aars. Werandma attain arbUndon and arblaration Ines, and instructions lot iraitisfir) tmsbirstiom iy,mooing the arbitration administrators as fo0ows. Animosities A orn6ma Assscivilm 395 Madison Avenue, How 10, Now Yolk, NY 1O117.49%Wmb allcwamadcrng.INO.771-71179; or fiadwai Atbihelia3 Foiae4 P.O. Boot 501!1. Minnrapubs, IAN 55405, Web site: wwwwMen g9Pmformm mq, M0474-2371 Pureed W end ley 3ppdsobb b 9&UMIlov. A singht,1191117`81 arbitrator wh6 resolve Cldprs.Tbebhramrvwll atdrerbe ahaayorwith at least two years experience or a reGrrd or former jvdga The arbdrstron will be conducted under the epplicabls procedures and rules of the srbiUatios edministalor that are In agecl oath dam the srbitreuan Is filed unless those procedures and rules are incansistent with a Arbitration Agresmerd, in winch case this Agreement will prevail chess procedures .plat may limit the amount of discovery ovallsMe to yea applicable substantive low consismnt with ?Aad? sc„Yae eery statutes change of haytations, sad wits honor claims of prviep r low to arbitrator will take reasonable have a hsrincos DMr Account Iniucounsel matlen a& ad rdh fidential idorms- inept in protect it Mquep IM rue of protlc or u to proVA will have the power to award toona hf regrnslai to do so by the raga( provided radar applicable laws and will am pony any damages or rd re ded , have the s ptwrar in awed dal is egttsl. or let the bo?neit at any person who Is not s party to the protwdrg ii the fete suthoeaas. srcb TSUL the subavast r rely award puWo's damages or snowy bas The arbitrator wit make any award le taa m bull neat not pr us, the arbitrator vril provide all rb it sstatemed by e t ul O O Up or Upd a ngwsl by you reasons for the award. Costs.Wb will reimburse you lu tie III erbivadoo fling Ise paid byyov up to the amvnnl a of 0 S5 l? of tie rtidrator and stbitanti administrator foi the fast we wo. will pay n y payment of any such hearing less by as will be made days direcdays ddy t to o t the hastb arbitration sdndhmindstretor selected by e w us pwsuwd to this ya les Arbitration Agreement All other lass will lewsa edrkeeping will Thhvann or Iftwom the arbitration administrator end applicable relnbrose fling fees and other fns it the ariitrationo dminis?tor k rara? we datarndnas there Is good reason for requiring us to do so or nee of we dotormins then is good cause for doing so E c party will bear w ad other the documents leas and soils of that party's eborneyprevails, for arbitration and an speed (as express; reagpsrdes, of dwhich t t ft s bi any e pp few In permitted bdowi, oeopt that the uhnmr shelf apply Y IMP detartaling whetbor a pony should recant say or all lees and costs hom another party= in endorsing 1bk Arbimralivn Enforcmasrd, finality, appeals Failure or any dairy In oplsrclali is Arbisao AgromawdatarNlhn0. ore cotaec6on with unyprsdc a waivsr of any rights to require arbitrating It a War time m: Co f? sail other Claims Any dam siom jeWs od IS such abrbwNdm? um ro omfin coil vre fkW and binding on ft panles. Orders a party?"XI s appeal must request a now nblusfion wbitrwair buff a 3a days of of f We r tlal eared designated by the some arbhrofts orpenaetlon. lesions peed The t fun'etwo will neutral t Weuhaider r all le lee:toel sal mad loyal balmsseNK follow do Sams rules that oppy In a prossodmg using a single arbitnmr, and mks decisions based oa the vote oofi the majority Each recover their Ow slots. cssps expenses Way gp if ht but al* patty inly, of the panel d arbitrators, applying appTcsbll lam smother and miner; I aw, so detrasiunac An sea is arbitration wt7 E erdorenble as provided by the FAA or other appAceblo low by any tarn hsv* jurist W1011 Saverebllft sdrdvaLTics Winlion Agreement sbxand l vr xvrviw. P) tomdaudon or drrsblFbstwe n Changes in the Cordinembor Agreement, the Account _ number you and a sm 7 do bala° to In such as to the Account. to of wMhsr accui nC he or tie esadsmrring ap rt eeae?letedIt"waroubehalf; ban?r?p" d eeY Pane or k s lug by you or lRa OW pony b any portion of this rand ifai,pryeeet a the debt is lent b sp a ka remain Is deemed IwaRd or uaeuiortrsble. the remaining panions CHAfi =TO THIS AGIIWAE.NT We spa ch"Ve this agreement at ery time. rsgerdkss of whathel "b Q ? ?'M to your aecomd.-by adding, deleting, or mod1*9 sae provision add, delete, ar modily provlskw includes financial terms, suck as the APRs and leas, and other mm such or the noun, vows. and ardorcervant of tits rights and dsb?a sin teie may hove r. or ti Chais Oatmeal ModGOcating.addrions, obligations We will audfy you of try Changa i required by epplica big law These Changes may be effective with notice oedy, at the time stated In our notita. In acrodmncs with appfeeoble law Unless we stote bthamAss, my Change rvil apply to the unpaid balances em your account and in nerw )rarwcioas The nudge Will dseeribe any rights you Y efts hen with respect to any Change, and ?mptM noon M s the com:agrtaoves if you do or do rm1 exr a dross dghts For d mailwr May state that yoe may nodiy at Is uniting by a specified dam i You d donu acceptcentre Chauges wa are making fi Yee naftsletwo thotY°a acceptlbsChanges, yours stnenlmsybocbsed(Pit knetalready clued) endylou will be obligated to pay Yom outstanding bah undue dui ilk ibW or N you in die nice. a grosmut M yo do rat wally us in writing by IMP date no* n but then smo your account after the lots stated in the nv*B- Yen will be Jst.,.cd to etcapt gi Chenfp<s he 14s me; bad to accept and corona as 3nd your agreement and all Changes In prior noicss we have said you regardless whether yoe have otters to yvor account CRMINFDRMAYMN obtalnln Information from credit 14e may periodically review your credit history by 9 buroatm sad others Wemg?yyruputinformeGonaboutuandyourotrw inriuding dher your INS to pay us on des. H you raquest eddithre al cards an Vew octoun mamas of othars,we may report account information in your %he those other People if yes think vas been repuW freetoreta lafermdllen so ¦ credit bwsab Yen MY write m us at fire twdmsruber saMca address listed on Your b ft l sidemen. Pleeserde rams, address. account number, tdepbons rmmbersod a brief a ? Z rdiem N available, plasm provwa a cmpr of 1b endt Mrrtesu gee all Palliser xWel umm. rho s thol Vea an we will comacl sack craft buraea to wbkh we reported tM idanmfivmeed will "Read bay correct the report if we disaprwwftlryou after our Iaresiea?, are di tat a dot Information unless You Ne or brow Oaf you no eri?f?itM h kr NOIXVJCL4ME ifFPERSONAL MIFDRMAMON we ws mdmreris. biss Idsmmeotr and Other aticss m yes ai the rddroa shown in oar Idea. OG?I ills Is s w accoum. we can sea Wiling s?ei? ? ?p of la shy jabrt assert hdds Nodes to one W you you red d Mpseril mouth obfgated on the accused if you tbsmp Vow arias, addrsst, w buntq caioler or busbmss telepbmn Matter or small eddras 01 yoa @b_et to rsma bXkq s atownls or o*w sorwas studies), uww Meta Passta S IrAam?f* In v?q Id the selling ad address ce en Pro your ro bill" met nee . V116 ma at Y Servecrues opftk s Vft a antra YON about your acasax Including far caat utr0a?deiaan ins w evil o h at any address or telephone seemlier se web as any CaiiirutphsM aemahaa Vol provide va. gppp OTOM LAND RECUMING Your ber >ro k we, and BappioebM, evragsota, maylister to and record ? evil Va. VW we. and ? B applicable. out agents, may d so, INFOW&49= Yousedericesashencaaelninformation sboutyov and yourrccowdwithfn our family of coup x:636 oW rAdr others outride our lemBY W c ? as ing any by 1w. Oregadrav vA- elesmrad to you rAmo .av lost rectivs on al Our ar i 4rrR raft oak c pus ' chOW4 paellas and do siaiese Yr?ardensltar descs my gin us about don and dbectios yon uaY Diva us about our = of mfoaaadda trout yam mad yaw second with companion or I-abaid oDwh d var lomAy of sompenlas BENS IBgeta low faauids da'tdrM cos may not span Wonno ban abed you WA companie ; or otluar eaesfeastats °racds d our favelly of complains salen you m dw&s oho disclareas W twin On d;duxm falls under w6w exc IS do few inch e slsaiq ieFaamdaan m Pam ytdr lransactisra or is M PO to subpospeL YoaWwdWrgrnthaLilyndaun not to exerche the applicable optaotdescribed in oar Pdan tdleK Ys rule be deemed to have suthoraad as n share persotml iniaaaestioavan 11111001 fig irdoremfou rduad to uryol the products or melees t+s may bas rvltb any d out complains) vrith complins or other vrypilvflova; Bad par faraiy al csvapenles Vh ? enforce say W our rhgbtc umderthis sgrrmmsntwithm loft err r)gll t. ealorce them otthe future. her 1 W enema i111 ? ioree5 vgrraaracnt Inliawb shmmenimca w ? ASSHM Wilt e=amrn, any sasnadr you own as, or say Of our rights and W! n snow sk ! M to a third party. The person to whole we make the °- ae6 w to NJ of our rights that we assign to that person T ??g (IDFTHISABREEhiEliTANDYDUBACCDUMSHALL BESWERIMAJO ? InWHETEC IN A--CDNDA!'M W..iI iIDEIW.LAWiu.-.,TO TO MW SW LAIN APPLIES, THE VW OF DaAWARF. WMWUT MARD )AW ppND11.yPLE& THE LAW F DElAYVANE, WHERE WE AND Y"ACCOMARELDCATED. VIFILL APPLY NO MATTER WHEN YOU LIVEOR USE THEACCMM FOR DHOOLC1ON Phew of das Cweleembw Service telephone number on Your card or bli'ing juma rratif's hm saygvvWurs about year account or this agreement YOIRSKLMNIIMS IIssRadiui?FarFafwe Wvrmslkmabout yawdgltcandoutresponsibilities ender No T# CreAl ; ^ot' No* tls lea Un of Errors Or noestions About Yves Bill B yw diatper bill Is tarosg, w il yyoouY reed more isdortrotion about s transaction an yawil,wrls a are a separate abeat at the Cardmembar Service address shown on lei biar8 etstemont WW to is as seen as possible Vdh most beer from you no law /mr a drys after we som yon On first bill on vrbinb the error or problem , +e: =,n toirplupce arc. bMt dome as wit' not p, tout et your rights In Your kjhn; l n sibs fakwhep Information: .7beddlersatovratolth sa coed errs Dv?atbale.0 and iyou can, whyyvs believe then is an error II you avWse v deser>be the hem you are not sort about If ymtlmee a0ratitsdastspryyvhtr credtserd bN automatically from your swings u cissidty sm?, Ys ern imp the pryment on asdy saehnri Yoe 1hioE u wnang To sump tbm aYauealYssr imt must roveb us at level three business days belate tM peyatestB wJmduid to occur. Year UD SAod Oar Rsaporall ee After We Be calve Your Wring notice cy ga a nt r. We mug, ¦cknewiadgw yowu Iatter withbt 7g days, unless we have comded thm error by then Within 90 days. we mug, aithor correct " error or explain wfiy we b¦iwa the trig was correct. deport Attar we roceiva your 19M,vn ceanot try to Collett any amount YOU amoutt you question, W ? you as d¦pngwm 1 e continue rtintn to ubig you lot the n uld amomt epehst yang credit in You de not he eh¦rpas, and d we ten a p11 whit we era Inv¦stigatin but Yoe arm stilt sot hen 10 p y the tarp srtg of fo you( big that tae rot In quottion abtle W ta the pay pans o evil not hen to pay wgOnents charges rotated trod to any we eiquesme do tioned io anad eslemotmt ka g we youa di didnye't Vattern! ¦ adt?akok have to r r you on ti?r eprrstionad rmance tharges, end you wig have to make op any mlirrd palm amount In wither case, we VA send you a ststmmam of the sm¦unt you won and Oka data that it); due wt may sport you as delinquent R you tai to pee the amore that of atisly you ? ou writs to us w" in days tdgag Howevet, that A a esplanades to des not setldyeoo y to gee you have a that t you all rehear ta pet4 we rtur>x lei anyone we repwlt you es us quastioe about your bii And, we to thatag t the you tie r ea bean aeon e reported os how bolvessm We most leg anyone we rapon you o it fmak Is if we don't follow these rules, we een'tcoiled the f'a'st VA Olt of the questioned amount, even If you b7 was cwnct. Spatial Renee fat Credit Card Pwebases pdte? tndtle it It you have a probtnt whb the quality of property of services that Y?wltb crock card, and you have triad in good Isith to cwract the problem d we? you titsp have the right nottop¦y the remaining amount dos at the property m This right door not apply to chock transactions 7her¦ are two rmwhations as? right: ststa, fat You latest have made the purehet¦ in you home state or, a not wit" yen v4din ipD miss of your current me ling addrase; end (b) The pumbese price mug have bass moo then SSIIAD. Thaw imttsdoas do not sppivif we ? own or operate the merchant. or Owe umgedyou the advartis¦menl for the property Copyright OZM JPMorgen Chess & Co Alt rights reserved ?ago ; r.: 70 F o 4 rcXxQ r r„ V V^ v D =? D rat ? ==?5 f17 T ? i1 t.1 -'T T -, ^s co - ? 0 SHERIFF'S RETURN - REGULAR CASE NO: 2008-01670 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CHASE BANK USA NA VS PFAFF JOSEPH J GERALD WORTHINGTON , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon PFAFF JOSEPH J the DEFENDANT , at 1809:00 HOURS, on the 27th day of March at 1110 YVERDON DRIVE APT A6 CAMP HILL, PA 17011 JOSEPH PFAFF 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: So Answers: Docketing 18.00 Service 14.40 r' Affidavit .00 Surcharge 10.00 R. Thomas Kline d .00 42.403/28/2008 WELTMAN WEINBERG REIS .2/,'Z8/0S `/rl Sworn and Subscibed to By: before me this day Deputy riff of A.D. . 2008 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. JOSEPH J PFAFF Defendant No. 08-1670 PRAECIPE FOR DEFAULT JUDGMENT FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan, Esquire PA. I. D.#47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#05945689 Judgment Amount 8531.86 THIS LAW FIRM IS ATTEMPTING TO COLLECT THIS DEBT FOR ITS CLIENT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. JOSEPH J PFAFF Defendant TO THE PROTHONOTARY: Civil Action No. 08-1670 PRAECIPE FOR DEFAULT JUDGMENT COUNTI Kindly enter Judgment against the Defendant, JOSEPH J PFAFF, above named, in the default of an Answer, in the amount of $5765.96 computed as follows: Amount claimed in Complaint $5526.03 Interest from February 6, 2008 to May 15, 2008 $89.93 at the legal interest rate of 6% per annum Attorney's fees $150.00 TOTAL $5765.96 COUNT II Kindly enter Judgment against the Defendant, JOSEPH J PFAFF, above named, in the default of an Answer, in the amount of $2765.90 computed as follows: Amount claimed in Complaint $2574.01 Interest from February 6, 2008 to May 15, 2008 $41.89 at the legal interest rate of 6% per annum Attorney's fees $150.00 TOTAL $2765.90 TOTAL COUNT I & COUNT 11 $8531.86 . I hereby certify that appropriate Notices of Default, as attached have been mailed in accordance with PA R.C.P. 237.1 on the dates indicated on the Notices. WELTMAN, WEINBERG & REIS CO., L.P.A. By: William T. Molczan squire PA. I. D.#47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#05945689 PlaintifYs address is: c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7th Avenue, Pittsburgh, PA 15219 And that the last known address of the Defendant is: 59 WALNUT ST, BEAVER,PA 15009 J IN.THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff JOSEPH J PFAFF Defendant(s) IMPORTANT NOTICE TO: JOSEPH J PFAFF 1110 YVERDON DR APT A6 CAMP HILL,PA 17011 Date of Notice: 10? WWR#: 05945794 Case # ()B" -j(D}U YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE FOLLOWING OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 BY: ` Q- udL / ? Cfvv Wy Lbbt),C ( PATRICK THOMAS WOODMAN PA I.D. #34507 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 KOPPERS BLDG, 436 7TH AVE. PITTSBURGH, PA 15219 IN THE COMMON PLEAS COURT OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A Plaintiff vs. JOSEPH J PFAFF Defendant Case no: 08-1670 NON-MILITARY AFFIDAVIT The undersigned, who first being duly sworn, according to law, deposes and states as follows: That he/she is the duly authorized agent of the Plaintiff in the within matter. Affiant further states that the within Affidavit is made pursuant to and in accordance with the Servicemembers' Civil Relief Act (SCRA), 50 U.S.C. App. § 521. Affiant further states that based upon investigation it is the affiant's belief that the Defendant, JOSEPH J PFAFF is not in the military service. Affiant further states that this belief is supported by the attached certificate from the Defense Manpower Data Center (DMDC), which states that the Defendant, JOSEPH J PFAFF, is not in the military service. Further Affiant sayeth naught. AFFIANT 1 J SWORN TO AND SUBSCRIBED i my presence this day of . Q/A )d?L COMMONWEALTH OF PENNSYLVANIA Notarial Seal ARY PUBLIC Jennifer M. Borowski, Notary Pubk CMy of Pittsburgh, Allegheny County Commission Expires Feb. 22, 2012 Member, Pennsylvania Association of Notafles This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose. Request for Military Status Department of Defense Manpower Data Center Military Status Report W Pursuant to the Servicemembers Civil Relief Act Page 1 of 2 MAY-21-2008 11:57:11 < Last Name First/Middle Begin Date Active Duty Status Service/Agency PFAFF joseph j Based on the information you have furnished, the DMDC does not possess any information indicating that the individual is currently on active duty. Upon searching the information data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the current status of the individual as to all branches of the Military. )6k 1Y4 kA4-4??_ Mary M. Snavely-Dixon, Director Department of Defense - Manpower Data Center 1600 Wilson Blvd., Suite 400 Arlington, VA 22209-2593 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The Department of Defense strongly supports the enforcement of the Servicemembers Civil Relief Act [50 USCS Appx. §§ 501 et seq] (SCRA) (formerly the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's active duty status by contacting that person's Military Service via the "defenselink.mil" URL provided below. If you have evidence the person is on active-duty and you fail to obtain this additional Military Service verification, provisions of the SCRA may be invoked against you. If you obtain further information about the person ( e.g., an SSN, improved accuracy of DOB, a middle name), you can submit your request again at this Web site and we will provide a new certificate for that query. This response reflects current active duty status only. For historical information, please contact the Military Service SCRA points-of-contact. See: http://www.defenselink.mil/fN/is/PC09SLDR.htrnl WARNING: This certificate was provided based on a name and Social Security number (SSN) provided https://www.dmdc.osd.mil/scra/owa/scra.prc_Select 5/21/2008 c C- o IT G 04 a , Y Sy 6 Ul t ? IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No. 08-1670 JOSEPH J PFAFF Defendant NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff (xx) Defendant ( ) Garnishee You are hereby notified that the following Order or Judgme t was entered against you on 0 (xx) Assumpsit Judgment in the amount of $5765.96plus costs as to Count I. (xx) Assumpsit Judgment in the amount of $2765.90 plus costs as to Count II. ( ) Trespass Judgment in the amount of $ plus costs. ( ) If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, PA. (xx) Entry of Judgment of ( ) Court Order ( ) Non-Pros ( ) Confession (xx) Default ( ) Verdict ( ) Arbitration Award Prothonotary JOSEPH J PFAFF 1110 YVERDON DR APT A6 CAMP HILL,PA 17011 By: PROT ONOTA D PUTY) Plaintiffs address is: c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7`h Avenue, Pittsburgh, PA 15219 1-888-434-0085 d ~'IL~D`_~Ff' ICS 2DID OAT -~~ F-~ ~~ 2~ ~;~x°~~ EfLI!,P~C~ CC~t~~~T~, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff No. 08-1670 vs. PRAECIPE FOR SATISFACTION OF JUDGMENT JOSEPH J PFAFF Defendant(s) FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: Lyndsay E Rowland, Esquire PA I.D. # 205520 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#5945794 CH1 ~~•~ ~~~~ (~'~ ~p--~~3Q1 ~~ IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No. 08-1670 JOSEPH J PFAFF Defendant(s) PRAECIPE FOR SATISFACTION OF JUDGMENT At the request of the undersigned attorneys for the Plaintiff, you are directed to satisfy the above-captioned Judgment. WELTMA~i,'i2VEINBERG & REIS CO., L.P.A. By: Lyndsay Ro 1 squire PA I.D. # 205 0 WELTMAN, EINBERG & REIS CO., L.P.A. 1400 Koppers Building 43b Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 WWR #5945794 Sworn to and subs~bed before me this (/,~ day of August, 10 ,e:~~ N ARY PUBLIC COMMONW~LTM~ NNSYLVANIA Notarial Seal Sheila G. Bevan, Notary pubUc Ross Twp•, Nlegherry County My Commission Expires Nov 15, 2010 Member. pennsyNania Association of Notaries