HomeMy WebLinkAbout08-1785IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff No:
vs.
COMPLAINT IN CIVIL ACTION
JULIE M ROSSETTI
Defendant FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C. Warmbrodt,42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
436 Seventh Avenue, Suite 1400
Pittsburgh, PA 15219
(412) 434-7955
FAX: 412-338-7130
06521459 C J Pit SJS
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
VS. Civil Action No
JULIE M ROSSETTI
Defendant
COMPLAINT AND NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the
claims set forth in the following pages, you must take action within
twenty (20) days after this complaint and notice are served, by entering
a written appearance personally or by an attorney and filing in writing
with the court your defenses or objections to the claims set forth
against you. You are warned that if you fail to do so the case may
proceed without you and a judgment may be entered against you by the
court without further notice for any money claimed in the complaint or
for any other claim or relief requested by the plaintiff. You may lose
money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
COMPLAINT
1. Plaintiff, CHASE BANK USA, N.A. is a corporation with offices at
3700 WISEMAN BLVD. SAN ANTONIO , TX 78251 .
2. Defendant , is adult individual(s) residing at the address listed
below:
JULIE M ROSSETTI
303 N 3RD ST
DU BOIS, PA 15801
3. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number XXXXXXXXXXXXXXXX8699
4. Defendant made use of said credit card and has a current balance
due of $5469.44 .
5. Defendant is in default of the terms of the Cardholder Agreement
having not made monthly payments to Plaintiff thereby rendering the
entire balance immediately due and payable.
6. Plaintiff avers that the Cardholder Agreement between the parties
provides that Defendant will pay Plaintiff's attorneys' fees.
7. Plaintiff avers that such attorneys' fees will amount to $300.00 .
8. Plaintiff is entitled to interest at the statutory rate of
6.00% per annum from March 7, 2008.
9. Although repeatedly requested to do so by Plaintiff,
Defendant has willingly failed and/or refused to pay the principal
balance, and accrued interest or any part thereof to Plaintiff.
WHEREFORE, the Plaintiff prays for judgment against Defendant,
JULIE M ROSSETTI, individually, the amount of $5469.44 with continuing
interest thereon at the statutory rate of 6.00% per annum from March
7, 2008, plus attorneys' fees of $300.00 and costs.
James C. W brodt, 42524
WELTMAN, I BERG & REIS CO., L.P.A.
436 Seve h venue, Suite 2178
Pittsbur h, PA 15219
(412) 4 4- 955
(412) 38 7130
WWR#0 5 459
This law firm is a debt collector c'ttempting to collect this debt for
our client and any information obtained will be used for that purpose.
.v
Statement for account number: 4147 2020 2789 8699
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE 0
$5,469.44 12128/07 $549.00 $1,244.44
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or e-mail? Print on hack.
414720202789869900124444005469440000001
28513 BEX Z 33707D irrrliirirrlrririrrirriirrririr lrrli ririrrriir rlrirrrlirril rrl
JULIE M ROSSETTI
303 N 3RD ST CARDMEMBER SERVICE
DU BOIS PA 15801-3107 PO BOX 15153
WILMINGTON DE 19886-5153
imlirilirinililnnuiluiluBil l l[III itoll iloll gill uiii
t: 5000 1 60 2 81: 3 74 20 2 7898699411•
Opening/Closing Date: 111417 -11317 CUSTOMER SERVICE
CHASE O Payment Due Date: 12/28/07 In U.S. 1-800-945-2000
Espafiol 1-888.446-3308
TDD 1-800-955.8060
Pay by phone 1-800-4367958
Outside U.S. call celled
1-302-5948200
Minimum Payment Due for Credit Access Line
Payment Due for Balance Over Credit Access Line
Past Due Amount
Total Minimum Payment Due
$226.00
$469.44 ACCOUNT INQUIRIES
$549.00 P.O. Box 15298
$1,244.44 Wilmington, DE 19850-5298
PAYMENT ADDRESS
P.O. Box 15153
VISA SIGNATURE SUMMARY Account Number: 4147 2020 2789 8699 Wilmington, DE 19886-5153
Previous Balance $5,298.08 Credit Access Line $5,000 VISIT US AT:
Purchases, Cash, Debits +$39.00 Available Credit $0 www.chase.comkredkards
Finance Charges +$132.36 Cash Access Line $1,000
New Balance $5,469.44 Available for Cash $0
The charge privileges on your credit card account have been revoked. You no longer have the
ability to use your credit card account for purchases. We can help you get back on tradc. Call
1-800-955-8030 (collect 1-302-594-8200) today.
FLEXIBLE REWARDS SUMMARY To redeem your Flexible Rewards points, call
Previous pants balance 0 1-800-603-2265, or log on to
Pants earned on purchases this period 0 www.chase.com/credkcards for 24-hour access
New total points balance 0 to your rewards program.
Total pants unavailable for redemption 1,973
1,000 Pants to expire on statement on or after AUGUST, 2011
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transad'an Description Credit Debit
1128 LATE FEE 39.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V.08216% 29.99% $375.54 $9.26 $0.00 $0.00 $9.26
Cash advances V.08216% 29.99% $1,310.68 $32.31 $0.00 $0.00 $32.31
Balance transfer V.08216% 29.99% $3,683.26 $90.79 $0.00 $0.00 $90.79
The Corresponding APR is the rate o interest you pay when you cant' a balance on any transaction category. ????? ?
The Effective APR represents your total finance charges - inducting transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
Total finance charges $132.36
Effective Annual Percentage Rate (APR): 29.99%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
This Statement Is a Facsimile - Not an original
X 0000001 FIS33335 D 8 000 N Z 03 07112103 Page 1 of 1 05686 MAMA 28513 33710000080002851301
It •
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: ---------------
Information About Year Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. mail, send at least
your minimum payment due to our post office box designated for payments
shown on this statement. Your payments by mail must comply with the
instructions on this statement, and must be made by check or money order,
payable in U.S. Dollars, and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order. Payments
must be accompanied by the payment coupon in the envelope provided with
our address visible through the envelope window; the envelope cannot
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 made
available to us on any day except December 25 by 1:00 p.m, local time at
our post office box designated for payments on this statement, we will credit
the payment to your account as of that day. If your payment is in accordance
with our payment instructions, but is made available to us after 1:00 p.m.
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 our
payment instructions or if your payment is not sett by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service, Customer Service advisors, or our web she
will be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
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 Abed Electronic Check Conversion: When you provide a check as
payment, you authorize us eitherto use information 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 wig 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 Paymats: 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, P.O. 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 arty such
check is received at any other address, we may accept the check and you
will still owe arty remaining balance). We may refuse to accept any such
payment by returning it to you, not cashing it or destroying IL All other
payments that you make should be sent to the appropriate payment address.
Armu d Recommal Ndice: 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 dose your account within 30 days of the date
we mail your statement on which the annual fee is charged and at thou 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 Fiona Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately for
each feature (e.g., balance trarsfer/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 daily periodic rates. If there is a
"V" next to a periodic rate on this statement, tMt ate may vary, and the
index and margin used to determine that ate and Its corresponding APR are
described in your Cordmember Agreement, as amended. There Is a
minimum finance charge in any billing cycle in which you owe airy periodic
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
data they are posted to your account, or the last day of the billing cycle. This
gives us that day's dally balance. A credit balance Is treated as a balance of
zero. If a daily periodic rate applies to any feature, we multiply the daily
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
to get the beginning balance for the next day. (If more than one daily periodic
rate could apply based on the average daily balance, we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) Applies, we add all of the dally periodic thence charges forall
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s). If you
muldpty the average daily balance for each feature by the applicable daily
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
total will also equal the periodic finance charges tar the billing cycle, except
for minorvariations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average dally balance for each feature by the applicable monthly periodic rate
and add the results together. The total will equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Grace Period (at last 26 drys):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date It is added to your daily balance until payment in full is
received on your account. However, we do not charge periodic finance
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
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, it there is a 'Qualifying Promotional Roundup" suction on
lifts sMaimK 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 Expiation 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 Qualifying 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 Expiation
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 terns
of your Cardmember Agreement, the deferred finance charges will be added
to your account as soon as the date of default.
OWING RIGHTS SUMMARY
In Came of Errors w Umedhona Abet Your MU: If you think your bill is
wrong, orif you need more Information about a transaction onyour bill, write
Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE
19950-5299 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 error and 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. It you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on arty 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) m ust reach
us at least three business days before the automatic payment is scheduled
to occur.
$pedal Role for Credit Card Porshaes: If you have a problem with the
quality of goods or services that 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 menhant, 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 $50 and the purchase was made in your
home stare or within 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
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wwout YolfF 11111011111 us tes taMPb11's our card, ebstk. abcrmx't"s?<ar othor Its
tp0y °C° aera
use w Yaor scwoDt bm"dw ?ral?i rnyd t °r trams ace a xd Yaur
°r Messrs IV avcw „?by uc Of easy
" cnditpririNlrsr'd1°a YOtl ect:T •"t bra w. i-..r rc..%
eccat+d jsiJa ai daua rt,tia"ris I'l d wthan M" of such pansacUoars. t?hrh of YOU
Yew rnaY bit bl¦bb ar mw us of *0 111b filth
d ?? W act ?a°?grd' m°a?theunnsathorasdcherMb
¦nardaoafad rind ow?bapp od.
° you ? woburdL is idornrsgan n windag to butP YS - wildso d AN m?aY DIM aa wry eeinply twill cartsin prii oduns a connac6oa rwth one
p ?psiasa• jw aartad¦
pjD"t I PAYlifd#f3 your biftl stalenmat end aceompsarany"itfia duty slid time by
as Pas°°d tebbtr< for rmkia0 paymsrats and sets forth
s°r? ?ta° a in U i dolor$ drawn on fields 0111 daPI Is I U S
as m N51300 ds Yas n rmanadsl b asiaip ° Payment
adl F
ihomaim s loss bt
YON sPM_ ?'?""' d» do di6ltbt bSi ad ar ll b), d trdl msY
w chvgi6 ss a wa sat accept crab FNYms"ts s»labl
blow attar era etaars your p Tins ,, thv the lul
of restarsdiorspts d0? b-' 'd "i•'AaatwhftbN send to an 6 b cc .?
cbsci °r ° sr wIli : smailar relalret? °rthd {.u egrsrwnc :and
AMr P° Isasrkod ; hdf aawu Mast be sent w us at 'M
no -
mrrCpaud at 1<a"D"si payrrrsrrtsl. hk
bc
it inch adsaddr/ss§"W on You! tannthty detaojhv Is MINI sl ON n!
c ? eAu For ssaa?ls. d a is WWI than Is no Vold d'Sp° d Yoe 01 o p r9p°? --- ' etehred /t sot' Dow address we m¦Y accept ills P°Y1ABe sin b
ier aay?bo1°p
VA on °?y°J°y, loPas st easldrip i s br dasveying it A olln yoar Other Psyads" sutsai ats
hat r¦twtdr7b.ss¦dbaliwllhrpayrrordrddrecsshnwn mortdaiY rl fir. out II shoaid prmaksty taAa't your a%My Plryin checkis dravn
cludai9 YPr reserve du right to dfMmani hvin tie bank /tcouait on Whitb hr
lot par is 91 a"t Cracks o III authbrbsoon for us to eolecttha emoonl t
and EXHIBIT
30& finalists cypyas here
for ?? Pod
keen yea ?ayioyi Ming Cycle,
lei a- do not
leet s the ban% sCCeuel bat
by a Brats d aendiuo tba check rAOOat sloop alt
,us check sleclro tdcsG! oi oooded,
,? in toflit rctd ehtuoricelfY by ur beat Yoer bank sceourd n? Mc
P, tbs eh raw rel and accaentwrooblol a Yo rot The original Paym Tr
be debited as early astia nd 1. a0,B VA ?a? aw recalls
c brck evil be drsuotlaatl agrn a p.p at fast tM nnnlnem payment doe, n Msd'saboder"A W and fog f dnyau°° P° rd to that Wit roceM it dam ARMY PRY do, htl rmauat you fir
on your f past list" o the arWissss P,Yst'°t d's a to Sums charges, the No
Yaawe this at am won t yell tarn s b°1 n wo,?tbacaus° lomme thug" Tn
socialist You pal balance ch dwil psylas" VW selling bdsnw 11114 (11
actrus an Tells drill beim" Ind V .. YaW fiG1WD Wtaand rdrowa Ysur ?,? lit M few B 1;1D OD or ales veto ce
will be dye WTW
it y wobinedmw- `.. as bGowr. far Porch"os' w. eel on P'riodk Game. iharDwa on"
-htayv SytaptMtc y?I oa ? 03 bill ills New Bsbs?? rd jy6 of the Now Be nsce..
te mBa+? y 180% 1 au *W BalanW: lets ltd vvarGndl
I to>ba ilo rat put duo and say smounl
? b" rrle ov duo Charges, add say tawpusa Pen al to aaa d to solicits Your PsYjpBnu
a"erWurA?t"You ogles drat we an a twivor4ant
jFbl=i?= to ba will, b"ief ARs Isucb
Epd edlla its a and crager Aloewaa
ss pro e td a? ? bdoncr et any dam Wa A°Y
TOY 1 rvtl of new charger or 1909 tilled
Way cr°dd bahnts by tla sraow t
Ci?dll cam rardttive 00 d an
,W yaw occovill, uilwalkavy Charge your
AotwrotSa Cbaryssi You may eridarla a thhd parry to °? ,hail" larAb?h"
#am*. re.soaGWeiadn
`?st_Us.a,h.e?.ttfaWS Her ell Ian arty 1
eccourd loara?Pr¦?"° N aatomatic aftsrGaf?? Iw aa" rascal A yaw these adtWa
aid ewe atetaat b tinted or suaP i W and paying rges
bootee b,"g s .re raaPSSSa° for inodit? sn rattpps%rod K Ploy
non" t gg" eUAbu tbaages- W91 !ray. , to be filled to year old accoaat
H wr
ya iccsourd ucbatg may offer tar?aa? far or,ccarri
offer sprsid terms ]'°.,wgt be in affect
From
of this aagreement. aIsPt?diGrd by rho
shout the win of ths, offw sold Any eass.
do we VA aoOi yo:l p t term
sad Fees
IDS* P E aftR eo and AR.ud Fwtamaga Rotor Y listed a, so Po' a ,sterape nun
6aa/ Ps' d, aMtat?aa?sl daffy pedrd? ?d soparstdY To gat 60 d
fat
7a that Is at 1ba sn I ttii doturneat and n rRaet alvvsYs round up at the
{ell the dpr{da Ill APR by t 365, va with changes
Alec tM right d the des APRF that apply isi r a atwwt ?gvs m ilia Mine
Venable Rde.:Oaa of Rmrr A JIM an APR that tai ? din The
to to PAR* lifts Whrn yon Mddmg r PR 11, w do, prim, Rats Mortiaihe Mal
NV? 3kas1 • the APR by days beFme the Closing Data sb
rlra Not, psfr5s
oats tighal Ili -SIP
hod In d?io maw ipuzoltiva ststonnhf no ?two 'to
of fin stmatJaurrat R The V60s"oN ndinfotAyr?a°1r>ou> Yaurbillf"ll
falafel
Rst% We wda label asimBarnfomruarole I
the Phan , u Roma notice ba, Rate to takulau do APR A
Wl.imt t vva aWA 11 dd tsvs irdaral howny The 001, A for
crodhraportr aabmed from Credit barstut Ike chdadelwharcurrste r Will a?Yoiler, as Iml ,how dotol base sttseil ad y APR rwn thwigh Bono is. dofgrror aid Fogs
yya a?{ b also budig,
ufadic nnu? to d corresponding toll
Fsai fable s?oera ^'"cb R 'd Fop
aseb vsriatda roll and of stWA . n
Two busion days bell" fill wkd dr rd" Rata IL We "I odd do d ids cargo that Pd" R
.dock rots Is d utl.&.Rate tea itM praviato billing
Its APR. The gido* ftP is a dray P now rely v g oppil as of IM fast rjugage It our eakdado nadli pofa las Changed, b is which eve each the
title because iby cPriAI den ends in 1101 cslarder mold orb ale ?. higbar peri- it
day of this dealt Psi role Increases, tat! paYmr-
Your AS nd mayM?10? ry? a . defauhUnder Il fua?n°4m
of
;neat. eMrga a
Defeats flees m oorrd yen hew with us or any of our ralstsd come
ar aar rrVa">~ Mad on ft .tcauat or any Other
.at Ihat b nt do by the dots and tine
;hI do Met tacohrs, fa arts PaY1°
y,
account a teas wn us. st beat the raihbtots Pa1°e10
dim,
. Yea orteard your credit Gm an this atflO rod by your bank
d rPe demand oyou" to es tlal is riot hone lea yew nd sc vn gum d° a fidose .
. you looks a Wend bybr%IL It anyteaa
• Toth ratetd l" of iua"OM babacs a
anlyh; .he we spocRt. at 17110111 17110111 Payment
arna= ciding anyPtarsedanof
A9 1)`9 doleul
of
Its ayolow, svailsotturs.wo May laces) the APRs M batons to
rate APR) oa rileled inb81111115 Cho Bces Iaales rieb and 44 Net lob's ovrrdrell edv Way °°y Consider the 1911W AN
your We- urA has been 08h. the
dataWa Yost deirdt fair the length d an Year as necounl: olAoriadKatrons
n00101 of athedeDm an abboalyeare.tb9rmbSDs?lOP5
of your aetotntl ouDieoold eD nJK nse; slid ana ird doh we oblaii ling
m us or any to purchase
n"PlIzirl
vre dsclda d 0pa°de default role ad la do am, e detedt
Am op ul to we event d an
y?rWVre r °' ne to ?rga ndnnd ddset nth as reb'°t°te
sundatdtttect,,,?-Two-CYc1°?'!r' s??db?drif?lsn
,n
?' clef y beb by laity
d ail b1llnD cyc? we WAW air day lpwfgd? 1311111 idericlit
g.LM"n?i k??t'61yydai'°ad arp?? Balance
laro,dshpavraracatasd ntiotdNdttrWw
bud d" the aintiaolaPsY
wa de ant i 1liaac tea data
prrtisssiM° sigglowlia ?vac *..dybM d o*411
otiooal
rile oarlEs!d°? *once chow- eC l
wecrlCd testeyae Awsass ppraadioa°ltm
?' look". us-lw
rate de amour- es for acovardnaa.
We caMAave Wodi?adaoW chef . tin Brit patkadrR ON far onclal doglillis by ?aaChd
ach 21 ban, r sYYO"s'yMrdrtRadrsncasadYalsst? totha
ran d oar rallied Daetc-Ws ash
this eecatalMa all 199 =, ? bbub " transtars, bolont Wl"ai mile s Sam wet.
doOle ds>sit r hacks VACt to r Pro
p•
?t day for each to
Mn inP'°ago" l
sillier, d sad debit
Tolsithsdailhs' stathetdey
WOU&Bsoiolpooiogwbxt
say taw aaras ¦ ww estcb advance. letaksm boho=f
to rent tafulsr? d 0 V ddybdmce ea of the
, aW Sidi 1r spPGs? add a F0W W*j dsxKs clack
bdm"VLIWW ;p, sr s twr date donor y eee a d da do so ash edvaaee
aaPefbad by a payee, a, a weir dais d our
or 6adataa 1igiod thank is
ti a b?ncs rds, r ra" or Cndt ?rswits test
aim i?or?eod?ttma &mftd fts" . We rib au u e 6esaocr of zeta for the next delou add the
• Yk
daGt asai
bed.nca for essfr egs!1r ag o than won daily wiode role
7o d as bads d.,% n a based as the
dlpeao?s ps'tfrst applies
ooaid t?e t darDa b?wW' - late fog do
It belled Cycle 0 t:alswlala the
ertio, a mil; charge salatdhy and Ilist ggreemad• pwMties for deft
daffy Pa pmpoaad°ds iaft ti rt ferrets °?•
ahW elog" I fell Ur billing side, we add elf d the do o
To gat ilea baaj each ccsWgaeY (or acb day any appps forth ow
P Now= GR°'pC P,ifodk Ce • b aaa. vae in cMtpe You At
stated la the R.tas and Fun Taivb .N it
ladlim tia`aeta? p eddtlonel a°nnodo< to Imocli ..IN drtrMrD >W bi'g s W for adddot "mod ssstlatis qn bad far a bRGsG t:Yds sin be tb stmt Of the
The iWl flows aw" go Yang
poilledle Iowa fa fodrice td1112111115-
Sheri Pro' ??stybatsaa
p Feat amorAt by
data habeas lad d
for'sdsuoaprYr"'try eddfnl sN raee Jr. nows, ehsrgle for purclteses
for the H" tlr g cycle Psi lea was lar d so
rill ttoobsa ?? ban Vick ipPG°? ?off ?daWai e" daily bofeiue for
rarda do snot war R Ws and A Bra rasa?kbYthe to id tar
yr>sarlCelagsr{s Psi ?rafad Uu PBASM u d D thowgid *in in d der ieffrablifrH ?cYcl'GatidtliaG CtCi°+e0ureplfor rirrxrari°tlrasFmoM, Barges
bsl°RCaASs"JibroddFfaaaa ? b °,?,d dallYbdance
far.aa ? s?'aC }Iorrewwt;Von dotalct»rga Pa^°die
wdp,r,WMtoGtatosolg mtpeddaimlabilflrrlcYsl°atuereead psndwe
i mnostiaal?°p _e Wdsta and 3-a° foot nraunota Ps?s'ursort,naru by the
omw hy do NNW Balnks m tar F.
mial"d bawl applies ooh'
dais sw?sl?!? d Ymw doM.Thfs urcepom tx r'cs r?chrcls,zesh
risesd6faa7°a ctimnslars,balance ve r
ts is Jim :r ? orerdnll T Charge e G 3 cos advon loo advances. r Fos for Cut pdaacas We may zl an1r ,ib s ivrA z s*
Tnases6o Table I forechotheEalfowihluonscbons:
tMamaarWd'dA
r9*10111fligeoce Cho"
rash edreet*a
;'6Uv ; of
acw &g to the trims of
• t a' Y ?' ?,? dby e is uv a n? you to PeY the
r&* brlen erd`tho be to tieryeur e?ew?1t Closed
Jo make a Payment oeYa this agreement at say ism p
[n adda;an it yoo ass a Wd pant' sees curd We may sharps a IM sem nsueelia, lee tm the imbd* 0 TIIAT pNy 11ISPUTf MAY
service citary's the Payment to 0& ARB1TitAY1? aQ?IF WpEEiJ11X ii t'R aasillERlla'HT TD GD led Psyntvai fegsuafiaanpcharges WsaddttrleewlkabalBI irsosrctian Its
!
Ira $' s Inaction date of the cash advance For stamp) , 8I'l
These category be added to Your case advance baleece TI
Is .1 *9 uM a
(ore cash advance cherPe you a balonca b'aesigr Ire in FQ
r 7rreslMM YO 'safory n treasacti
page oor. x
Trrmsscti,a IMF Bgtgttq A
the a swat stetsd m the Rates snd hat Tebb oecb Ville, Idlest9 H
• balene'trandorehacts; related 9
bal, t a intasla jae an ?rnauca zbarpes We add to ise to rite: alone W new R
These var W1 translat Far ample, A
ermsad" date of do t114019, o rr,seen uarrsiar balance
c8169e41 u at ?str,,I rermw b, added Yo ll
N
fae For baleaeov
_ s ATM Cl;A 6 bt rite Rates and
bas Thg ep ognu d Wear Ide daring th0 Mwo F
i
We my chat" doiol? addedtothe,,lanceforporchaseaars
Fars T" Tbmsa 1,x annual lo. k v A be bled 1
=Cwad lot am Ins stated is the l Tibial
AaAO or
~d NIaa110ea?P Pree p Yoar
legla metds The SWAM soombarshIP
e b yru tx be aer[ok pod YeY ¦ n n paY . eyhaa 61dg r eeeoud vA & 3
use flatly weoogt• to fiat Yea v kit te seta yav
nat go Ise Poll "s days dna*0 dm wa q yrytooaerr00,09 balaaa Is kd Y er =Your YDRR ehar9rd end ode Ive does not a$ at .our dQM to claws closed account by 10 Of as,
ia?
the ntM ei ot" on account 0 1u++6lyoouuppayVowouuten?l?v
f? eoOws to dwr ow:
rrhdwlsbiP at by the dots the
in 1.1 snd trnalp" yosrvccomd
9 we do at a craws si h'st um ntfor my billol ?'ws,wY
Late iron. 1fe 1, based on a beUrw,. we Fear, Table 11 tha tots be
1h; do. ,all sisla
ON, Is :aig ?pgeP rOv s 11 teen gyre atnc oe SIi VOM a ge laat dwl
sbgtr+st
shows W,?saU Fan Tb1: glatoa is tee tees n Wa ldeeacrmaB'Lad mbdeaat Ymeo1
'' to Is" 1" Isrwkice we did not 1001" at lead the ntPW
given
by the de n sad fine A was eignce is owr Tot taadM 9rs >< fu say 0" flea dab! p billing
dye trots lee
dva[6 pyre i a* lw a dd _o% O a troy age as of a 9aroaeNa ?t4 Fee ? arty
1
'Vow ?! ;i&wt
ewr avft n VA not t a htesub,a ?^o ?' Was 11 no
ass st babncr diK is over your
billbif 11se? rMay eef on Yom asc°an4 g Yale
Sep pl files dad@ We sobsagoerd lurtnimeat 1s pot banned, lb) or sWIFr R
naw t p
CTOdIL ettlra Pttlrmaat Frtc 111) ywr Peyrnad shsee k nerro,d unpaid, ar ICI ran a r4e e
be
prpeoseod We may
an autapana become 9 .,.I siroad or cannot
psymgsl em a cash edtroetx cheek ate umfor
return F. (a)rea stop PsYmea% a ease advemca check abadarcatrapslr
Rstasn Cbaolt tit fb) we ratan' 19 pay
ehoekdYoufsa • a,, rneiwekt'e pie? sslas dcefi or oilier
cheek era ? eFt°?r?9ei0 yo f [st)aap a copy of a W" cards or any sPvow se^3ees flat
Soli'v Al ai 's OF 9 you rrgaestdago basid WI Poe any arcs YOU tea armless abs gbaaNa! t a crbia ea an rBa,dMa of Wiling statements, S. inks or siptler
tj 4 We Von III ,M,plg, erp,Ywiorc?l?a our esanaWinstusand raPPlcabk
Wove a+e1Af ? %r a ban pbpge a^d clear & "cgs we provide, We
dow
Is. %* M1 rdrarlq. in aMct when we one[ The "r*
la's kgea*0 n *0
DEFALOMBLUL'POO
tvaoidar you to be In dafatdt H any of 'how occu[=
We mteY atlassi rho pdalmom rmood dbr b? W, Usr snd teas des as shown
. Wadi ttvtracahv Stelgood
bon!
Year • craft ROL h *a terms of this e9r,,Mat or say gureenn d vAi t art, of our
Youu ma m Uogi* or Unable to
related wtpP s eatlses us to beirev? lbstyau may oe ursviip9
• wo obta ? 95 or to othe a on pros
• YOU lie Far LW or in tits ewM of You deettt acspppt notice
' we C. OU'ri ow ato t Is be Is dololk wv grey d Wo eYa hy mq require You to peY
Here rsasid bYve f e?sid ,shpts irparvdbttlw allt ,aid ,,lent, *?ea M desm
and rest in , ISO d two Paroerd f 21L) e `
pan ? t
interest in d, cycle haw !sled to peY vs,
yon.,vaead isbe sitmmotebiR?n9 ing ¦n in d2latdt 181sue You e: anws al
To 68 EN "I, ,pol ?rd?e Masts, onoravys, Ieos seen ease and a! 9d»r P
Y
erdort ho am delis mrder.eis e4tevmefd
CL W tyM A aerated at any lime li you can as to close your accaUtd we may
of Yom
You a fitm ymr u'quest is vara" tK et any time for
requirs that sp you r tateina YM at any dme or suspend your credit pi g 11 we close your
required by applcrbie levrl?p dosing You
Wemay doh P nesCe *%cep, as
airy rang" vriw A ba labb to you tar say eonsequpaeos resulting
aeeaat wedin! user trail privgeQaa d caters mast ?edivtsly step
Ii ?otl or we C sY drsttoy You slid airy 5 vtherlr0 means to across your accodN
Igo cards. eh,cks or pertelele to charges 10 YOW
Melobo
ci vl1n1 s?usm oPaaregaast YON ueesse dhe
auotttd. sego g WeY are made or processed Ihervoer eccourd is cksed red Yoe wiA
GMAM.
rdamm a>o - -
vo na/ WA
FOM OF AA rWATE
Mauxt AMY CLAN IN
erode p?gdm etrawtdiaiawo9
pad be emfateaahte tinder Wa F'deral
to a w"ni This Arbdrabw AQhamwt
Iarwbkk glob, 1, donned belotvlmeY
red in work -W ,1r5 . vnd'oW also
lion A!r!aeaattt _ nfe essiges, assars. esctsit uop roadadevfce Isaunl uadsr
sv;4.zr ,dilb"Pars cwpcnias,
>~ equals and roprosewwes)
-itialandeatilt ON Makayoe assert
r we atttX eablretm tie odors illor tonaFM o+? mandatory,
?' strbsidb aerie b•?" aqua or
wnt•aVe.a"m..,.???roevw"- ad pelota.
Ion 11taar)ct. tat,
si, rd? ? r. n??eal
dwm _ _ . te ?. ,s,,,ad,Bs
t r amvparda?>hg esa ,soy,,PriorCKdmB:ubIr
drpv arFlgredor at arks
ea In the Ws
The Ire is to
A9tavwa?Ob ?b?e" got gross
was Pj W- - ibstrramadgas 1eagI proceeding n
or @&K*jae, god a party 1400 rem to any Mush CWN advancedpp'm rite lawsuit by
Migro s Ageagrard, Yor rrtaio 016 dYhtwds err anmbuGavol
lueeebyirttkelsaueFs ba eaPmadaetad as ee;pdrt86wl
LrbQtalon oa a :lee; e<Iepptt6=;"*.? bdG6,
, vea w-Wea b° edug spubbasis.This uesns Wal Ivan
e,Ptaaveao re? seek u Qtel IN the Forty of a private
iovuch
We
r= ebl ww,, dg iba moor you or rvowee vcf
tfg ? __? a p,q yes arbitrs6os PMagdarQ wiWaat
7ba 0* Cidese first may be )DIW. In all iad?vdeei action goti t.
?erely)dessebrov&byUsaVBWyevendBay
w win, at your trustee in
toad asst at ror Actual& or yont, ion crdatvare°>. Or
ye ao"M br I" apd any ce- ee e7 bgnl nn*ZY 8921115% us
FAR= ,& w Paw bees or Yom tiara Best chess, we of the
ArWOO
¦ Ile, IM an aAokru A•rbl MM Assseiatiorq or Nsdooal
we swebrde andemirgmtlslbasdmWMnardoas
urtdor the roles of tits selected
ew arrlede! wren" it W %. accerdIn" "b 019 rules
oft Ajowevoism JUN iier%g-idgiase>? i b?i'R stdaes mr 00
ay bg i id In plat cNa i by boo" *@I you attend si o be ba u
sr arl go . or in odw ioderol
kcyl 1 and w e agreeeIn
h 8gdr euadsoata tg welchyou the
?1my ? d do Cerrent rules of sack of the log 2rbhr8Gon
street nkillrafion end arbitration laws, and mstrucaons lm
ado bb- -bF tka smuretlon ed ramrs es Ionawr
Avamm, Haar 10, Now York, NY
ininafgnirMl,lioabltaofie0. Madison
}pQ 0. Bog S0191. Minneapolis. IAN ssitM, Web 0111:
wwrv,e k401hutallos. A single. netdroi arbitrator will resolve
Pmveedmas wed Un eNtetie syrvyrrvvdh at 19esttop years asporiance or s retiirrd
Cleltnztka
r iarseace1i bdwmodm SS?tD ° s? b ? ? 04 a
savabav m.
rduras t i°m w ode, p?m°"! tabrr°w address syUppboas "yed - rud a brmsirf
a The srbOret'ron w10 becondupiPdunderthe eppdor? aPmc rbkrefmn Pbom? s?r M s?? MKS ids a copy of Ilrr stria woon the ortorraorleg ssedmInIst ratorthat ire is e0ect oa ill& V dam & ud" ?s?otpe =ttrr erd,11ow mrasdD nod
oa d rules d ?eth,.Upracadures and rut? et en iaponsWral with tb Arbiv =-v= burora be wbith we repo her
eb peso olds Ag wai These procrdrmc eel miss rw° o did each uodit
Is filed ads. neA1° tr or us The ar6grow "A apply sheers stdra r1 1, rtrrrrer thr rrprn ti we durDr°° wdhY?
idayeasy ay.,rA°4°°? y ag or byblrplraar Nh aril rlso may the
AgrB°mrt0. to +" _ taroistarl with 1M FAA and eppDc able statutes d the
PREY limit the smouat of discovery ewDP *ad al k" Yom any twooss to IN TA tall Y°YN batoraredp° goo" You lot a bow Out you no
aap?itadrnc.!ad Wi0 holler clabat of Pr ° eft M arbiurter +?ub nrsras ?dt fttysa tlkPa°
flay a boar" °db° rW?? ?pan,lba cad ptitel trrdid??? ?drn. IDrrgrt ?? AtpdfitiiN1AT10N at dio
addrass shows
amar
stops to prouct tYel oldblt dacf -love esur ta award to a NDTI :tYeo IM mad otbw uWt"W pl and Trot u
the ore Df prttretiw orders u pr bvt and wa not Wr rr{laaadssdi ecetar a. we cam and b#eeD w r11 of
Inchicil" f raqueo ed to do t , ?°,? 115 `p?? ol rmdu PP"? wW is in our IBM OGi?Ods Is s ?a to ore I tore VA 1. coacide ad Is OkUL 81
i
p dearege or for do baAW al °°y firer may to w q)"- Now v ted on 60 accould
how do PpY1°r S° o ? UDdrr law DI.M ta,s. s?a try soaks any Ward in yea W °Dled?y, a or beaus. LOW w ladatu?twdePbOA?° otdiasA
not a Pent to t do?grc or rttotnPY leas Thy sled by ° Party if you slwp? to rocrara 61 address shoran e° 110th
sward pujAgve suet
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a firs??
sratw as* acup was" address
by you at ae. the orbbntor vr8 PsDVFda you son A VOW We
as wag Is
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masons rebabarn You (or the Wdal whivatba Ii all "10 B o losaft umbel stow address or brfaphta
Caste Y?4 ae roca$l of Prod of pWms°t AddkloaDt: dDr to the first We let t ??o; We eye p arms as-
aato Wd d 5500 upon of the arbiualDr end arbfued" edmb?icu us roil be reedy may W&
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we WIN P°1' any Meant
i spPDeebla. our agvR% may d
drys at *4 be a?sbtemtfoa aW,trato smUttrd h' k or as WA des rules Of V.%N dll rPlffoDw°we, ' and
yea eDsme
direA f to 00 AOroamuu+t All rotor lees will be °Deutad t D wx amp or We
atw end mppfxeilP few donD?de?1fOwof°tblua?or hionwiet?cd
the arlutretioa °iaan and no er tear r the nrbiue owswo" alerinns"a sbMYra tadyorxrepruatwidistladinlntar
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dotormiDe there is ood craw 1w doing Is witn° r aai lac to soreeegrmi> ° . .{dad k yae tvMsD ysu OM ret<u? on
teas and snots of tct Poems eaoanen' wails, fir erbitrerse tall eq :b fie P' dtanatta4descciPeePesloloreu
esricatradesY°°r us abmtt
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your d1ratlim Y011
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pisndtfed b except drat d vvs? slug p iP?c and aostc Irani " chi P1°?R sold do tb*40 you be"
dsternat ing why or a party shou at awry do in ralertbrD I* our abwirg d iolmn ooa ° at our Ismihl of torDPDDiss
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Eairrcomrcl. ins CON Ah emp w le saaaecbm with ? W ? way nay ere irbtmoJ% a about dots you you why 0"9 ?
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seh Poch' or rD tees, sari etgpowas s fsaewe mu 1/ ° bra o1cmaPaaiss
t v is 1h, tmrjPSfM
based on the e vote wuaal Oplie e of Duefrre0lf
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of r P
from another W? brrrblu,d anwibrPatoraabiaes Ef ?dorta saff blow s
1evW so detradstes a roan havfeD glen or dram fie du futon- a b sn of the tears d tb3e sgreeaunt
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Cava tmsnierte rights and
in s Cirkl mb errrrn4dry Acm""Wthe fabdD°sbiP sr m eat
them-esin the Cmrda of a now sctoora sepa he ASOMOW aLLWK any jp1mms YOr swe M to ? wh of wer ow w make the
yorm edam syncep?t?p the A olonve. such es the b sDing x iHe etR aOelc all am 1°ue se r tldrd p,rht The P
or ft vary foreruns of do balentr (a ? h&tBd b y?su of our ri9ids Ebel vvr assign to that Person
si br aa0lied fe esy
?r?rnp?y of any Party or r,?r?sbrllss W or y f e third portf 9 any p ? of 0116
to debt a ILA by o M
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and I?J°td
prbttrrtma Agroom THEiFA6N0 Mgd=:DRDJL L1?.^.16 it£bARD
shag an.3- T AD8f IN terra ?? lAW APKJES# THE LAW pF ELAv WE AND
TD7fgSA61;Ef7dENT dies, ofWhathen•"orfar mss" BEGfllie
VtteC sC", this romment atOnylbne.n?P any I' purrrgbttoadd. lli£f]fJBlf p[ 1ES THELAf+tr ND MATTER VMEAEyOULNEOAUSE
we ddedol. or raodl= "Wool ad leas, To , WiLLAPPLT
y01lfIAG fA t op
to your assremt, bT ddovisbta ia ciudms Dtntxiri truths. aid es the APRs his and
delau. or wx* vv as dim noturs. rslmrd. IW adrrcrrant of 1101169 addruons. THEAG? m as paw sad of b1DinD
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gas FDhf 5arvlcs tsirphodN tgafrb
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ab6geti?sY n GOiad'C eagai or e'Cfwngr s able low the s may al so CvdmM ebue
or dalrroas of any Change if ngrhrd by PPS
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apppeabie low Udoss raedgr, and iaiorirrmtion eboDlyo
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are netldnD 11 You and onyoaf;?°usweteP b rya most beef from yDo
otcept earirim C}1ap9 eswnnttnsybe ctosrd (I tie not already Mcir-mill ejW You Writs to as es aeon es pDS+i3r o blem
sstaptdrm Chs°Ds nding bloat adder the aPPftr° trmrs of the erfyasaii?stot et dry lust b1 on whitl the am or pro dw "a sued wii ba obf Doted to PeYVOW DDtsts gn dstastand is the sofa. OF be a hm a ? iil b" ? b..r?doinr ss wd' not PC eggs ft Yom +rr?na
aDresmed hyeD do not modlY us n wrhiug by Noe stated in the satke- yes bdrrmetFDtc
lpi, ass your stoount,ilot the accept and cm *m as 13nrs t! ?n ?,e us for foDowf°g
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ji;a«cd to maropt d f]r,DDet . YDe MMMW V led srta
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whether yen hew stress to - f MPWI $E deserlba the ham You are not sort abort
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view your uedit histtrY fry obtaining informst)Dn Iron credit P a any t Yom ? a tw0M
tN rests and ooh a9i re Fadudfn if yorflP°° busies days belote
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(a) You most have made Ike ?,rcbaw IN Yom hems slate re, a owl wW's Yarorhome state
within log maps of Your drtreat melinp address: end
(b}'iba putcbasa price mat Jowl base mom IMNSM-M
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appals we
these Wattles, 150 not
edvxAsemant for the pmpartY or swvlcBz '
Copyright t9ZM JPMorgoa Chace & Cs Ap AgW reserved
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A
Plaintiff
vs.
JULIE M ROSSETTI
Defendant
No. 08-1785-CIVIL TERM
PRAECIPE TO SETTLE, DISCONTINUE
AND END WITHOUT PREJUDICE TO REFILE
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
JAMES C. WARMBRODT
PA I. D #42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#06521459
V
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A
Plaintiff
vs. Civil Action No. 08-1785-CIVIL TERM
JULIE M ROSSETTI
Defendant
PRAECIPE TO SETTLE DISCONTINUE
AND END WITHOUT PREJUDICE TO REFILE
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
SIR
Settle, Discontinue and End the above-captioned matter upon the records of the Court without
prejudice to refile and mark the costs paid.
WELTMAN, WEINBERG & REIS CO., L.P.A.
By:
Attorney for
2718 Kopp s BL
436 Seve Ave
Pittsburg , PA 1
(412) 43 -7955?11
WWR 65214?H
SWORN TO AND SUB,SC?IBED
before me this
day
of . ii?14 n T? 2008
PUBLIC'-A
Notarial Seal
Heidi J. Kelly, Notary Public
Qty Of Pittsburgh, Allegheny County
My commission Expires Lvov. 4,20()q
fiber, Pennsylvania Association of Notaries
ng
19
C'? rv
7-1
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