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Home My WebLink About10-3841~~ Ts IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS CENTURION BANK World Financial Center 200 Vassey St. New York, NY 10285 Plaintiff VS. MARGARET DRAGO 15 SHAGBARK LANE CARLISLE PA 17015 CIVIL ACTION ~ c ~,x O ~_ .~ • __ • :;~.. eta ~_,-: _, ~.. ,, ~, } ; t_. NO: ~~ -3 ~y ~ s:- ~~~ ~ _ ? - t,- ; _~; ~ ,C `z7 . ,..,j - ~ Defendant 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 to Defend 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 ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT REDUCED FEE OR NO FEE. MIDPENN LEGAL SERVICES 401 EAST LOUTHER STREET CARLISLE, PA 17013 717-243-9400 ~~~~s~ ~ ~~.y3 y ~ J IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS CENTURION . BANK CIVIL ACTION World Financial Center 200 Vassey St. New York, NY 10285 Plaintiff MARGARET DRAGO 15 SHAGBARK LANE CARLISLE PA 17015 Defendant COMPLAINT Plaintiff, AMERICAN EXPRESS CENTURION BANK , by and through its attorneys, Edwin A. Abrahamsen & Associates, P.C., complains of the Defendant as follows: 1. Plaintiff, AMERICAN EXPRESS CENTURION BANK , (hereinafter "Plaintiff') is a Delaware corporation with a principal place of business located at World Financial Center, 200 Vassey St., New York, NY 10285. 2. The Defendant MARGARET DRAGO (hereinafter "Defendant") is an adult individual residing at 15 SHAGBARK LANE CARLISLE PA 17015. 3. At all relevant times herein, Plaintiff was engaged in the business of extending credit to potential clients. 4. Defendant applied for and received a credit card issued by Plaintiff with the account number 372877396571003. 5. Use of the AMERICAN EXPRESS credit card was subject to the terms and conditions of the Cardmember Agreement (hereinafter "Agreement"), a copy of which was sent along to the Defendant with the credit card. (See, Cardmember Agreement attached hereto as Exhibit "A".) 6. Defendant used the AMERICAN EXPRESS credit card with account number, 372877396571003, for purchases, cash advances and/or balance transfers. Use of the card in this manner constituted acceptance of the terms and conditions and subjects the Defendant to the terms and conditions contained therein. 7. The Defendant was mailed monthly account statements relative to the Defendant's use of the subject credit card. 8. The Defendant defaulted under the terms of the Agreement by failing and refusing to make monthly payments on the account as they became due. 9. The account became delinquent on May 9, 2009. 10. The total amount due and owing the Plaintiff, is $10,655.95. 11. Pursuant to the terms of the Agreement, Defendant is liable to Plaintiff for court costs. WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of $10,655.95 plus costs of suit and any other relief as the Court deems just and appropriate. submitted, Edwin A. Abrahamsen & soc. Michael F. Ratchford, Es ire Heather K. Woodruff, quire Attorney I.D. Nos.: 86 85/207805 120 North Keyser Av . Scranton, PA 18504 mratchford@eaa-law. com hoodruff@eaa-law. com VERIFICATION I, Michael F. Ratchford, attorney for Plaintiff,AMERICAN EXPRESS CENTURION BANK, am fully familiar with the facts set forth in the within Complaint and am authorized to make this Verification on behalf of Plaintiff. I Verify that the facts set forth in the within allegations are true and correct to the best of my knowledge, knowing that any false statements are punishable by law pursuant to 18 C.S.A. 4904. Welcome to American Express Cardrnembership 'Ibis (luanrttni urxl thr:x:u,m;rnn ir.;;s;gy)lcm(rx(st ca)stin!ic: roar 4}xec„xyrt. I'k;rr r(~(I asxl k(ep this ?!gm(yrunt .4h4k• M• it; kmx a1:nr rat kcePi sign ur r~ the t:arcl ituurl b r„i, t i!tchxling :un mrcaal rw mplacentt,U rank[, rx you ttx tlx: account :tssoriatul side this Agnrtttnt t}our `Aautnt"!; yut agree b Ih: Nmn d the Agr(tnxmt.'i1m wrxrk "yeti; ' ;trxtr' and lvtu<' mean the pawn nixr apldkil kx the Atmttrt aitd d)c fxasmr b wEran nc aicktaw billing st:ae,rt(,ra. as nxdt :s am ptrmt aim agmcs b be RaMc on tl>L Acmtmt'11tc "Italic Cmrltrxrdx7' a the persat wlto opnud dN, Att»unt At wtv rtiluc~, wt~ mar also iauc a t•anl on }au Amxmt to atrodur prison (an "Atklitiatal ('anlnxrnkr't.'itte N~n'Tan1" infers b theMrrriran lixpn~' Crud i{sawd b }zxt, all dlxr Cxrtk isaxda, }urACmunt. mxl anyodrerdrvi(e G'udt asAa»aU nun)Mas) wtth wlriclr }rot[ nr,•n axes wxa.Aautnl. °tY'c: • "nor' and `tri' rt:kr kr Mx'm'mr Faprtss Crnturinn ri:ntk: tlx isttxrof }air Acai;x,t. Dsing the Card Rxt m:r,.~ tiu Ih: rant m ol)bin g{xxk :uul a,:~itts from any P:rs(xr nix) ;iailas tlm r.mf.'Raric:rtiniit yrxi m:!le: in ns;xxite to pnxrmtkntal rdFcis Ir(xn us will M: subj(xi b the temts d tit Ix(ntrntiun sent this Agrtfaix?t:. All •utuxutts (iter~,l x, urur k,uunt in,tudinf; d!aa,K. far txtn,!eia•.:mnual feats}. if :xw; con' nnxw nits gtc!rmta'<I 6}• in; :)f dre t:anl. rxlxr f(rs, :xxl sin Pin:Dxx• r hergrs. arc '(Tctrgs" s•xt ago and to k9 an µr~xt :n,•;i Cant tx('ci)t a Cn:inxodxx n hrFr naam is on it. ear ;Igor b Ix)tIF,.' u; d tlx Cant is k)st,xkrJcn, (x Nat vistxxt rh;:l it is tx'ing trxd widtanuur pc•nnissi(x). Litt same to us tlx Acmum only fur piuch:ists ihet are hmi!tl ;uxf :tin ptrrnpttd utxkr this Atnt,,mnt 1•:sa'p(at rq)x„rGr nrpii¢d I~ appikabk Fa+r, ui wilt oat lx• «slx)!r:ihk• if err, nxcobani mhias b haver rite Carl (x fur env altr pmbk;m rrni mac hate with a tntn:hant Tex Carl has tro pm•sa sp(a)ding limit. Frdt r1tarr• h t-ah rax,l ht ligln rf roar gxaxling a!d Ixnnxt)t ;xttirnu nn rr!ur ktxxuri :cod Writer aaxwnu gnu may 1:mr Ni1f1 its six) our afUlim(s, }cote cmtit history, i,celtwkng extxricnur With abet aMiton, and }our privnital r(srortmw krx,nn to ut. lt~ rtsem: du right b dims any rtxitxt;i fa maltariiadrx, fire a CharFx+. tr m:ty aM) rt,pust:rkktiaral irhtmtaliat from not at a:ty Iinte 1C'(• may imtc }ar nax,sal (x rt1)lan,tx,x t'suds Ixi(xr .! prt,irrash ttnxd f•(nJ r:tlans. if tn!t ar an ArNitrrxtal f,:!nlnx~ndx~r antlx)tvr a thtrcl Ixifi b Dill fhar, s a) a ncurrirp; h,sic in }rxu A,rxgn,t l"R(•(:uriittg tatafge(51 ), ar mar rh:n am na it,primd Mt pn,ride uuit third l,arlr Hid) +mx tvm,n Aucrxm! stmuts. f•rnl mmdx+:usrlkr(•rpiratin!, duN b p!:m)it than [hint pxrT ,n an)tfn,w i)illing}aaAa,nun 4Gcma}takes,u:hsupst+enffyuur;xtnmt nanlxr dtany~ rx if nr i~uie a n•ix-::il rx apl:xanxot ('ant u) tort nr:m Mtlitiatal Cm(Lrtmhrr'f) NrU)dtxa authorvation fur a R,xuning r7tamt, }„t. untN m,ti(r rite ihinf part. Premise to Pey }'at I)nxnix• b par all LTran;(s, including Charg(s inasrr il In kkUtbnal Cartlnxsnbus.onyurAauunt.ThispromiseinchtdetanyC.Itaig feewhidt yin, nr mi .Additiatal t'anlnttmbcr indicax,l an token to itxln dx t1)at7,•e, cwtn if wet rc du Nklitlat:d Cwdntt,nbrr ham, nut signal a cltar;,r fain ar prtstat4d the Cant l'ar also promct• b;xry aim Chaa'g!: irxaurtxl b7' asr}ntx that wu w art Addilia)al GanhrK:nlxr lea ti5r tit fartl, rt,.n tlroitgh wu bane agtird n)t b let an}rnre else i,x: the fanl Status of and Responsibility for Additional Cardmembers klditimtal Catthtxrrnc~rs do a)t hate aa,xnar with us Instead, then am authoiirrxl ours ar ynur:fcrnunt, and the Gant; leuxd b clam may h• cancelkxi M yon ar u; at :mr liir)e, Ymt must notify tts to mnke an 4Witra)al (:::rthrxrtdxr~ pemrissiar !n rrn• }c,ur.Acnxun. }'ou am rcs?w>nsibk venter dtkt Agrmrnrnl fen ail ust• of roar ArX„m!t br the Ackliti(u)al C.a:d,ncinixs. and he amtnx• cis:: r»u ar :m .LJditia,al Carchtxvnlx•r lets rtk tlx• t ;nh anJ ih(• C,h;(rg(s due incur will lx biikd u) roe tat hate This nslxntsihilitc:+trn i(p)u did not int(,nl for an :1(kliti(x,al Canh)tcmlxr: nr ah(r lx:nat. b ux the ford foram II';Ili;ata la,5. An A(klitinnal Cardmrndx:r is not liahl(• for tltaatt isxiu,rxl by dm b'asie Cardntmlx•rnrlr, otiur Ad(litimtal Canlntemix:rs. I!rnserr. h: c:xh tnr aF the A:klitiatal lard En treat Ciarg(s, the A(klitional i;xnimimth(•r indirttcs hb ar her agmenxvu to p:ry ut hx the Charge if aunt fail x• nr rtdttu to par it a:d aL niay, :n our rlisarlion, porno: A(Ididonal (:•irdnmmhcrs for paymtent of C,haMts tltee in(mr or authonra. }'ott autltotin• rrs to protirle Account inFnnnatinn to A(klitional CanlnxnnMts :cod b disarss lhe.Acc(mnt with d,em. }'m, agtiti: b notify salt Ad!Iitirx;al Cartbtxnnttr, at tit tinx Ix: a slrc 6cmittrwc an .Ad(Rtinnal Catrhrxvnhec d)at we m.tv trati:T, n<rxd. csd:a!;g a!xl irx hthmtrati!nr ah)ni him rx Ixr in tlx•srv»r mann(r m: ib with in4)nn:nkxt e!xxrl rnx:, :ts diw:ritxrl Ixiar in rite G(1\SI:MIik Rlil'<)H1S. TliIAiPIIORI; dNN~l1l)RIt:4ilif(Y)RUIKG. and SGSI'hltiSi(N<r GA~tiGii1lATIlNc sent+xit (dihis Agnamtr)l. Flexible Payrerent Feahrres 54'r mar :xlr'rx Nxt that ar hove a:kk,i (x man add ate a~ nxm• gx,i:d plans to },xu Arbtxmt Thal pemti yo:. In ~hktxl lu}nxrt on rar4as d!arges d'uiacitt,l Ix` tK. lit tllis AgirY"lx,1t. (a(il (H du;tt• gxrial ;dais is rdkd a "Grxmr.." Tlxvt I'v:oums inehwk. hen am rxa limiktl k., Sig:! S 1'rntd;" I aYt•txkd ! ~cnx,ti {~rt4ns. 11r~ki:xL" art arl::in pnraxin!uil olk,x nc uu:y mal¢. '11!r Sig!; A'I'nn,t Fratum Itrmritt }toff, if (tigibN, In r):x,xl In}otnn kv aidf!u tickets +raise ship ticket[. ptclsrid bur I,acl;akxx, attain ('he,v,(+ m;uk:mtitidedthrl:nikdStat,), and:uwotlxrCharg(s(kv?a)atrxllx is. Tu ei(rt b !R dtk Fe;Nrm, if ya! an: eligible. }ru mutt ridxr a(her tlx• tra+d ag(nt aMin:, ur nth(r imrtl i!xhimy nxrchant that r,w offs[ in .k, srr ••i,en ;i+ing }un Atrnmu nnmlxr fa par,trc,tt at ti>c tinm d p!tmhaa•, ur full(xr rtixrpnxiJuns pnar:tilxxf r• rts. 11r I;xkt!dtst Pa}nx,tt (>[tlka ix'mdts }mt. if eligible, 4r eaicixl i arrnx,n leer all (cligibk• (:hartPs M ahising us at Unt that yet mist) to d) w. (f this Frahm i; aided btour Asount, all d;rour digUdr Chari,~s trill Ir. hilittl ntt(kr the Pa'4•itded 1'tNrx,)t O;aimt feabtrt• (d }rxtr kromtt I:ligtble tltar~s nr;urs dtae inc~kltial h)ai},xs that am at (x aline Ilce:lnllar :[comae ~Usdcrsd iD wu :dtt,t rut stroll in dtit kph im, ar sty aixr amauit drsi~takii Ir<• tit. The fdkx+ing am rcnnpla d Chan;.s drat am tint !di'hlr. ISinrges lislxaa Cash, Astxdcan t\txrsr i}ardm flx:yots, Antnean!;xpres5' fift C1,a}trc~ P,ieikgul Atc':t' ins!ryxt, m,it rsunr and dlxr Ueits7rtkxts rkirnniarl M• us. 11x: Ik•s~tiM :=alum;xnnits rnn, if cligibk a!xl tgx,:t nmx.4 to rsbnd txn,cent of tM par-m-hdl 6aL•u xx, a' a ixni4et ixnnf. dun :q)Iwsm at vmrhlNng iak,nern. The miniinum anxuu,l fi,r t+•hkh }cot nt:p (•sr,xl p:n,rwnt rtf ana Pm4,n a tour Iwrv-in-full hat:uxti Ixtrmm~t is b H>n 11x Uank matchange its draigrt:Winn of Nitat rharrx am eaigihlr f(x tlx• Sign ~@'fra,rl ieenunt:nxUrx stir l:ete!xkd Ppmn: t>Ixinn at err tinm fitn Cltarps lh:n am ixx eligible frx ezxadttl;wtn)xset a any ah(r,+is:• eligible (Ttaryas kx ni)icl, mtt 1).mr ciaial iwt b cxic,td parna ,twill hr fine in fill igxxna:r xxria dllm telling ai:i0enrnL Adilitinnally; :mv G1,:.rgrs i:,ctumi h, a t::urlnxin~r wlto is na cligibk to rnn am d rite i~r:uuretniU eta, M deco in htll ulxxt war rtcYilx dthr billing stax,ncnt Billing Statemerrts/Amount Due T(w cote[ ttDldr is immtdiaftdr d mt}• diante in tltr :nailing a e-mail addn.'C'to ^itid, xr slrid billing siaknxatts m tastes L+sit a billing sialCOt3tt has Mx,t ptsi(xi ("riillingAdtlwcss"). Ifcon Will[ a IUllingNkkru d!angr b ~'fHy b mxe dnm etc u> Door you m:tintiin with !~. ~uu nut5t tit us 1'w aqm dt:n nt m:n ako upd:rle tine Uilling kkltts5 H nr rtrcim infwnetiat tlgt }Din Pdllittg:lrkltrss bar clsany~d ar it itxnriM.lhe alq)Ir tlxse 4:ntrs d tld5 Agr :mrnl that tarn Ix star :ecord'ntg b Nwr P,illir!g irkin;~.11'lara,m rtritr infnmtuion!h:n yxt h:nr dtanpd }our riilling AJ(Ir'*t, tlxre tn)K d that Af;rt„actor dart ear} dc~txiuliog rm the slate d }nurlfiUing,4kln c+tili :ggdy to tlx• entire halm)m cr(rn:r:Mxxaml, ind(xlin; (xlhi!gt Inla!x cc. Iskli hdlin;stat<,ixatt will nihq a'N+r halarui a:u1 ti rant Ir,~bnxr irxi!xkt Ciiarxs itiairnd ru) ant Panum, :) ~ tinimum Anxansl Ihnr.'11x• ':inxxn,t lrr." is dx b)bl of tit all giarls a! r,xtr:M:xxsnt dh(r Ih:m Ilxx• asaxiakd witlt li:ih,rts. plait (ii I IIK llinimntn Anxurt I hx uksrihd Ixknr) fa' ens Cha,7,xs:nsrkialnl with fe:rtuns, phtt (ii(I :ug INAikAI (if :im I)IC+iD:ISIr bilks) Anxxrnt ihx that contains unlraid Tire .Avmrurt ihie'r, (law: and pacal)le stn; }cot rtirir tlx• tilling slat(nient. Sat may I:fi nx)te 4ian d,e:lnwunt thee, up b the xnal balance m! ;ran kauu4:u am tlme 71tc Minimum Mxxmt ]hte for any Chaigcs assceiatd wilt Fr:uuns n ill he mnnrk~d to dr [wares[ whde ddlar if gm:ner dtan;~I, ttJ is ;1:: ;,rcttr d: • Iri011)ddt~~atbirxdhalmrmdalliiabncsondxrTndt>rfhkdtlt biUhtgst;ttnx,ti, • tk mm,rt dUx1 Finatxr Uuirtrs, a • $:y) ((x du ronrbintd lralanu: d all IYromns if it is Ip5 th:u, 4~). 17tt Stinimum Am:xmt 1 nt Will ixx rxard d, xe++• Ualancz!. Paymerds AU rrn,txnts coos ht• sot m tit paysni:nt :xklrtss sltasn nn r,xu billing slat(,tx,n wd mtnl inrhtde the r(annl;uttr. aiupon flan }o:ir'Hlling dauoxnt I'armm is dtt ulxxi ;rxtr n!aipt d tlx billing statenxnl. yet cote[ par to in I: C nm(,ta. ni!It a sintik drat rx ch(rk diann a: a I S beak e:xl Icn:iNc In t-ti. ddl'ats. UrNith a ilegrrtlal)IC IIi;(Nnx,ii panabk in l'.S. rloU•ars:ind ckanihlr Ihnxiglt Ux• G 5 Ixinkbgsysiriu. rr dsrouglt an dmrcwti Incnxsu nutixd ckarahN thnxigh tit LC5 bankings7st(nt }tent Aauunt mmrhr cook h itxln(kzl un ur wish all Iin}rrxn)u If Wr dtzi!le b :reap[ a p;m)x,n male in a f(urign num!)c}•, }cot atulxtttm us to dsrcpr a axtuasia, rtt that ti :xrel)L•ibk~ to us 4) axnrrl xtur rcntitlmxr• into US. aumrny: unless a parliadar rat iv rrgrdrtsl Ix Its t+aynx,ns (rxtformhtg b the share ruprirenxxt6 that wr rea•irt rtn later ban Lhti hate ~railkd rnn }nor billing sMNirrnt will be crcdirttl to }atu Aanm,l as ddx: tiny mmitx•~ pa},twat[[ mnfa:ning b the abrnr. myuinmens tl,at er rc•crire afar the ban sprifxd at year billu:g stalc!rx,tt will br indik•J to Nxtr Axotmt at rY tlx: (nUaring (lay. If pa!mc•iddds twt rnu(omt b tlx• mquirt,tx,ds swkd alx)re, cnxliting mar Ix• Jtd;ttnl. If dtis Ltappxts, utklilia!al Charges ma}~ ix imlxird. \G'c !oar acaTl IaN Irn'nu•nts, partial paynmrk m atq purnxmts nr:rrkc,l as Ix•ing pa! Wren[ in fill or :n heirg u9tlentm r.L.n} r$inuir+tidtnttt Irving an} c(au rights urxkr this Agnx,noti or urkr rive hoe. (Nu :rcnrtanm rrt my' srrh pay!mnts d(x"s nut iman rte agree b chan?,x' this Agnrnxnt in am ware, sou ;tgrtr: That our xtrnunce rdarc6 parnx,tis Hill not +gxraN a; an :tccortl aunt satisfadirm eithont ale p(inr rqucss N'flaen :ippm+al. Suh;(r;r M o/y'rlrrxrb(e lent'. rnx• rri!l n/q'dr nnArrluxnle/xgancarbs turd crdr8~ emm~g fcnhnra rnrrl Lhrrr;¢s ouwtur:4ra;rurl in mry nrrler• 1 inert nurnncr dArrnrimrf bt ra ra arr.+n4~aMimt. >n mat ~. wr Will apt)h sort alkru: parmnr6 to Fr.9rrc Eelaorts ixt, and tanrDr~ I'(atr!m Irtlaxxs) tint to Feaaaebafarsea at Rover AnratrE Pterrrrrhgc Ratac (".4yRs') end tlrar b higher Al'R 63irae 6aHtrt>rs. In rrraQ rat,[. rm will :q,pir ptrrcl,aa aeRa foss bde bdarim tan wfikit the cams{xwxkng tkbu rxigirtatcit tkraexcr bstascstg, adrrtirretrrtitt, ertarrrts (x dha btti6r~ mums. seoaapyly and aRucnc panrasig and crtdits arttatg R•aUrnc and b (~wrgs err NaorAtmtnrt br srwtcatlrr ortler w intoner that we mrr-dCtsmirr A aarside dirodiDrt. Y'DU agree that we bane the mtmnditirntai ripJa b txewe6e tAsd~lioir §t a aspthat is most Fawrabk ar cmnmirnt b is Aothorizatioa far Efae67aie Debit tie Yav Cieeldtag Account Ctt xstrre tlt right b pritasttfreda ekciraaralP by tramralting t.'C an)nutrt ddm chuff; the ntan6e5 amaan raardaz and tlyd[serial rtxnher x. ;our Rrxrtrial nstiarGDS. Et! stritrdtirg a tiro brpae,rratt, amt audxtrlm tt b initrJk antiixrouec rli~iw kom win hrde a asset a(muul. U tsc i,nxvc wxncf t'.iYerorrtai[ Pqs pamrnt mar be (kiNtnl to your bards (r asst xoxeitdrsae~r wr raxice Hxr tittrk. .AIS(r, if we Irarrss yavtirxl(tburasnRre ysasiU not acda• tlxn currlkrl cittrJ(~ith Nan (wink a sere ap;a~tgaNnterrt tf wr r. corm mlkti the fiuxk itelalrlrilragk wrmac Bare a elrafl>vterst rarhank rx asv:t ;xrautt fa Ile urranr!(d riff[ clsic Finance Charges w Feauras A I••TDatru:Clsanyskegiotoxotefereatbt]tar•~arHtludateitisatkkd b tlm daily Mdattr fta' a!•t'a9t2 asdycrDal bebc Iloa!eit; fa Chargesl~+dray; FimmeChmRrs) rite areahkd ba Falatr~ autonratiaUk rol:tt*irxt(~rtrgeaif assaeir arty bil6rgperiod in Nirich the tool Aauart6akaxrean the t'~rallnle fu dreprerirxa billing ptr4td a ayo ore tneiRFbiiifarse IL Each Ftanrre 6 sirhjnot b tbemrc Iki>k pbitdic Rak f"11PR"1, imkss t+r tmtify}otr dtrersae Etrtspl apsaiiiildoq the ItPR Wreadr FcaNm is 6asod m an ABCadrd4irrm^rsellcdRt it dr Prerre RaN (rksnrbN bebrri plea 9-~ Ault' ®1l3L;daddre A!R Yav ld'Iis sal APRs gear art tie amrarpiii~irgat;plrntae(.cP. gNrst an APR change, se apple U b arrraivi~Rakmmstbkst b tlrat rate f: 'Ihe"Nirne Rare` adf.•Irimhradarewidi respect bar66ilUnBP~: amt sprite w) the Crctirc bUUrrgpeAetd, 71r t'rYsie Ratefar l)~iiig lxmals aulktg in artr• t~ktxiar mush -stbe 6iEhet Priare Rmepubklral in the Main R.•rtcs(ssfun (or saxvcsrs sudari/ d fir Ika9.114a(rbumal at dt 1S ur ~t6 rite far, to eas{i rare. ilstcbd•~ s:tot alrtshretc der; d)c txxtMidregda~}adtepiarrcaiadoriiiiioadt dThelfiat!Slrasi Mnnrnl assts prMcrfirar a rhta rsu psiArh Are t'rirm RaN ar eitlx:r d dxru rkd¢ x nine ai<rm the ['rime Lae pu6tishsd in am' adxx ncntspapa J pcrrrrF[Kattatlua it fiewyort, kea-fork, nr xe rrra}• s;rhsthnre a shriikn refnrsrcc tercel stn sakdecxdort U. The DPR (am! mriapmtiksg,ll~an af1l Frmtres mar- itxrcase b the ittfauh RaN d duirrgtltr Rexiatr!!initrdfD tunAmourR 6 drlhrtprent a, the tom?; l~ d~r}• ttaertiilhrg peiedq fi) yowAmomN is ~lirxpiem an dirt]owtiiUTAlydamrtw~amrmadmbi~rgperiods; or [iii) on hro ar rmreat~ors apmanenldm pun AODDimt s nd haxnal to Rai pnsMrrtmt yiar;t®ast si 6ean,sfatred ~aitxpiera Hpamrei,t tithe Avraiaat ltarfiara apeiad a not aulital b yen Atmnx 9r dtefJa+on6 Dalydihe rteribi6rgpaittd The'A'eak•+r IVial" adrto+ird<orinifBoYm6>f!ptm~lzlrare Pea, d tn+fie axeraeire til~ip;Ireritrd4a~gmTh t!rfksirgllat ddre niinirt bdlirtgpiriod, t~IMrer mCew ar>;itrf a sralasaa (Dread) sett hihingptrioiL N the fkRailtale 6 ~ is•Af apple b tun Atzutn,l far Ntfrc t>otaoardlc 6iingpetiiirds begjntrrrRailh tiro amv,t billingperinJ Th:IkdwRRaesitaatahdrbam'6al9ta•f~rFe:xutcs unless it is hitjrr than the rare thee tKad! adruwise apple b d)at hal:uxr Tla IldarsR Barr is a DPR d~ crhicit c(artsw,ndc m an APR a.',-i.y!Pk Avorage Daily Balaaee RldYsd fior• Cskalatiaa of Finance Charges R'e iia• Ilrc Axrage I>aik Balarm uisibd bt~iciilale Finarrce O)arges a) tour.Axixuri lindir this mllxd.setalctda~ dr Fermrre ibartgts m tour hrrantt by apphhrg dr fH'R b for aerape]Lir Galante tas tkantlttd h.•low) scTraratefy far eadi FeaBaesatijxt bai4reta IIPR firtdudrrg a)rrenl trattSdCdoia) i)igragtt l)ylttaty happird bseparaie Feature balaitax.lL gtR tlieaeragel~mabome (!trod[ Ftarine, a!e f l) trice rite beginning 6alarxr for (alit day fistiiasg terpaid FentroeCbarges from prtvirxe Mliirrg pcriak), f'f sldag sue irar~ ~ or toes. Ci) subtract an• Ixmrcnisa raslfa ctaiedariirar dart am114) male am apptopriak:ulttstrritsrts. Fhrtrx,FArseJb-/rjmYday 911be bAlfng /rrrht~ urrrla,nrkfrnrrara,rwrfe,~`inknewixgwru!f bAa/amiorrsdrtps krilrlxr&rnn•nrrrb{DGa#hydreflPRferA!rFcr~re Tfris~rsrsllsc daily trdm,a• to the R•attac brthm R~ axddre ftrdinrrirrghabrrae fur tl)at tiaiun: far dye next der: R ~ I>ahaoe a ra•yare, a Irttraidoed b be am. 11x,1 wr :rid uP all the rEaM Rr fhrlrarmc far dr LiUing penal alxl divide d1C IOlaf f)F die taaAlx7 dda}s in ~ f111RIrgpL7nit Thk gimS US thc.Arira?~ i);uTy Ralatrm br drat Fonrm. lY,r all Features. the 1pgaRr (hilt Rolarrz fee a Bing peri(ui will h: cronsirtertd b be con if tea paid; bx dYei]ri+vRiTbe d4he arrrent billing p(r4.d, the teal Arorumb~rce 7ara~ sfamm act yarn preriota ~v13--670Uy30--~t~sto~--~s: o~--Pr't- Page-s- bi(Ihlg sL•tu:nxvtl If rnu multiph the Arer:rgc TFaik lial:mce for loch fralum by tlx nund!er dda}sin the billing ixrirxl and the i)i'R kx dt:n Frsuurr, tlr rcsttR aiR ix• the Pinunni Charµ asasad on ihat!i:nam. c~cept lix carimiottiS crustvl hi• rounding 'lilt wF;d Filrm,"e Charly fnr dm billing txlirNl s cakldatvl bt adding tlx° Finanrx (:hargos acsesscd a, all Fcahlres d dr Amxutt 71,is n:erlxx/r/ trrlirdaling iAe:Irrrrrt>t' ikiilp &rfnrrt'e oral 1•inrnra- GbrrrAkr )rsu1L< irr r/ tilt cgm(rorrnAiul; nJ lrrnr~m G&rrgnc. We ma}• t:,se mahrmatirll formulas which pralum trpiiralent restdtc w r:alculate the.4:•enge iFaih Is;dancc, Finatre Charge, and related amnuns. fur cx:unpk. we mal' utilix computer pmgarns tx whet rnnlputalional methah that am dtsignal w produm nlatlkvtxitkally eyuh•alentresults while using Iraer and/or simpler mmputatiatal steps titan arc ckKCritxd in this Agreentan. At arc dtxtMiat ar, mac tacchNl: mrtain Cak'gaiLS d ckisit nanc!cdrxs or fas fRNll Ilx' Clkld:riial d dr tlailt halanas. Inltssue slew m tor. a laltr dale, vt: arki a l7tar~ k) iltedaih' hala:xx:a kdimrs. Fa' Char,^~s (dlkK Ihan Filtattn• Chalgrs) d rat art ;ukkvf in a balarxt autanaticall,', tn• :aid Ilx• Chary m the a12,npxLNc daily halanm Gx IIr Fraulre:tc rd tlr date the fha ,m n pmGxf in dr.AavNnx. Pc,l' Ulargu drat are lax :xk1u2 m a hala!lrr attkmtath:ally (C g, 111 R'Gxxra: tri :1 SpltifM (I:tnStT n,TpxM), uL arW till t:hanr u, fir :ggmqxi:ue ilaily belanm kx rite Fc:tutm ac rd dr dale ut• nRxxa~ fix' rtytxst. I'tri(elk: FInaINX fltargs air :dtkd G) thr rutsl:uxling 6dlatxr :d tix nld rf the billiug lxnied 6x uhtrh Ffna:ne fha~,v+ am ctk ulaGYl Annual Pees tS"c will bill in tour Acramt a.+ ;uulnal kx of $;i fur thr itssic l':rRl, anA <3t) for tsx'h Additiatat Cant rat ltnu kcornt '11tc auer:al fx far tsrh Card is i!x:reastd hr $i if the Otlling Addlts of the }Sasic• Cunlmunlxr is ouLsick: the Coital States. Leta fees if pamxvn d any pnttian d fir. Amount try en a billing ctstkmtvu a not tndikal to :•alr Aa+anri ln• tlr 14d, day afar die Cksing (Fate d the txxt billing ptxiixl (°tvxt Cueing 1krx~'j. wt ma}' assess a lee d $;>y (laxa $ IS). in adrlida,. if palvnem d IIx: Afncntni IAn 15 nN ttttlit~ ha the k:Rouing Rext GrKing tote. ar may ass~'se a futdler kr in that sent hillklg ptrtal d dr gtexxr d R,iO a ~ ~)1~ d die Amount Uue tita aac twt crtakual M• drat Rtat Clrning Irate (Iowa $iiF Itpatnxrtt of fir total Artxnutt ihr is rwi attlitul M ntmsvse Rest t:kcing Irrxs. ae may acsct` a kr tyual b the gm;lhr e(i'+Oa 2 ~ri• d the Nnount Utr th;u rc:naits nix aalitttl lx tacit wm~itc Rrtt Ck,vng irate (!owe $ i i?. fJther Fees \\'e may dtaryt tin G)tkrainy: ft•[s Io }our.4(rr„ult suhR'4* to a!~dk:thk hM~ I. ikdwerrwul tR~i nrrrrls-1tt may d,ar~ a kr of S34 wixax~Lr a!rv cimk, similar itxtmrtxntt. rn da tmnic p;n nrnt arkr ih;x we ami,r as pmnxari al :vxtr Atcrunt is rmt w:wrtvl ripen FiN prt:intmc.n If a Carda prtsmktl III co:mcrlknt with caking a clns9c al an :Nx•dam 1?xprtss 1'nstd Scnim (tfiim or odrr nulMxial~ klCdi11N1 and IIr rh+zk e na Mnlomt, ae ram' charge a ks: rd $39. (\t'e will al;xr akl a CJ!argc iu Inur Attnunt in dx: anmunl tdtlm dark that was rani hralortdJ Z. Giy:im'rrftk!k9rrrrrlc-A+e m:n' dtat},at a fir d 33 for raclt billing pedal for whidt a rxgly da billiug siatrtrxvn a rtvp:tsGxl \Yn will twl dtar}~ dtn fte kx arty nsgtrst fa a ropy rf ;un• d tix• billiug statnnals kx dre Ihte billing perirxb itnnxvRarly prior g)IIx: mcp!~tl 3. ,kinnw/!tr-r~;tirrirrR /'cr-\F'c m:~•clrrr4::: rtvpp;lin;frrof $.5 if yqur Aa-umt s ralxrlkd for arty rc:!sxl a:xl Ito: rtytxwt rciratattgx nl a!xl suit rtaaxsi is hax)nal. SuspensioNCancellation in :xklitiat wane alxr;xiials m• m:n take unckr this Agntgxa!t ruc• ntal• s;+slxrrl rxcnxtl }+nx:latnu:t. wry I::lum:, or wry amcrnxv:l [,f ;°rxu komnt arNtk!r we may atsptnd cx ca! iQi d ~: anlhairdkm rd:un kklikalal CartLnxanfxr to make (:harixs m }atr.ACtgtutt, a1 rut slM dix:mlkm at :ntr tint. with w wilhcut curse, wlx•Ilrr a rxu rtrur kmm~t s in tk{nnlt. ;uxl xithan Biting you nntkc, albjrc t to appiicaMc Ima tun s)dl :uiia! nn cur pan will tae cnx:d yalr aldigatia to par all Chinas dlro al ±nur kcauu wx1M in romts d this Agnaanran ir! ciital at tix• lint rdalch :uiitnt rx as s:daegtrtrtily anrtxkd, and yxxl agnr. m par to all exit Char}ys dts7lir any exit action, tt't• etas' ath•se thirtl Inrtks alto aa'ept tlr Card that the (:ardfs) lRttlal t0lgll alxt/ef Alkdltjrxud (.aldllxrnlxNS have bleat calxtikd if at r:atxx:l dtr Cart) a it a:pitts. In;t mar lw later use it ;a:d Intl mint tknmy it or rti!un it to la a if ore rtyncst, to a third pane IF Ina cant w clrtad dr. Arvmnt a' ;ulc kklitk)nal Gerais, I'(xt mrut rx)dfc is arnl rkgmt'tlr CanJtsl If ut ag:m w rcindaN atnv AarunE aft,^r a carxxllada t, llr lx'w Agncvtx rat ore wad lint trx. if wt do nit earl wu a lxµ" Aglxcmrtlt the Alpttrlxari as it nxiy k alrrett~d) will germ }tart rtirstatnl.4avunt. Vi9xq uc mittGltc Ivor Mcntmt, wr nxtl rttilalati ally kiditiaxil Canis total in tvxuxewn with Ir~R Araxutt. a;xl bill.nu the:gfilic!hle annual krisi. DetautE \{i' mil mtnkk'r;nvAarxml G) Ix• in rkdaul' at any linx• if roe fail w pay 0.i aril ;Imaint Rhttl it 's dtn, Ur II \'ell I,rcail any rxhn' Ixanist• a ntdig:dinn tattler [Ills Agrtatnrmt. Subjtri to applk;tirk I:nx we erg' also tntlskkr :utrc Amxmt m he in ttefault at am lira d am staterxgt mark In rrnt W to in t'onrxatiat with the .4a'crum:x any uilxr audit pmgralri wars fals< a misk•xtin;; A Ina broach am prwnse a ddig,2iknt unckr any radar agrcatxau that :qu may hart wiSt to rK wiilt am• douc:diiliatts; if wt trout's inlonuatinu ilxlicating dot ivu am bal?krtga, irtGdrd to file ha~lknt}an; a am unahir m Tray mar dti)a as day btatxrr dttC nr ar naxice infemtatiat Icadkag r5 w mnchxk that Irxt arc dlxawir rwt aaiiWVrthy. In ttaluatitlg sax aedittrtxdtincss, tnu egos thatut nxr; rtll•at infnnnatial caltai:xvl in mtsunrr nywrts. and rnx b:YNtSe in a.u distnttti~t!l ae trxry ctxaidr dro ~rtrnx ddebt tart art r:rming rnmpanxl to}ixx rrsalrots+x am r~rrdtvwxatvAt drarxG:risiks. R•g:mlk'`x d~<wn!xrhnnanm ar tldc kttxun. Bt• mac afar ro!ni~kr; rant Aatxutt in rk{wait in the rrrtlt cd run dexh In the crtni d Ivtrc tkfanh, and slx'ryra Narr,.• lirrl"n:nirns nr ntn:i,cvnents d a[hdk:.d,k law, ue may mgtme fla.ment d a ;Nation dmur adsWrxling balana• ^n:tta Than tlr letter tRrtinamt Amxauthr. dochtre dw train; a!mnml of Ivxv nbligrlwra m m (mnxdrr'idy due atwt payalde, arnV<x als)xnd or r.,alad }vxx Acmtutt any axtglaxatld rnnrcAorount, a!tdbr any Frriur drat may be td&mzl in aatrratiat widr Ilr Aaault You ag:tx w Iran ail ru-rsanahk• aosls, kxfitdktg rt'zsaaidf• aaurx lets, inaxted by ttc (]) in mntttxtiat aid! the tglkctkat dam amount dtr ar can Atwt:nl, whcilxr nr ltd arty arbRratinn. Crli~dion, ar similar Ilmcecd(ngc arc iuikakvl: a:xl (2) in rtastutahfr prs)itstibtg arsdsas front any k>9s. Bann, nr tic rtd:uittg w am~ tkfarth at Igrrc Tatum Transactions Made in Fwei~ [~rreneies If luu incur a (1larlg in a fnreigtt rnrrtrxy, it wit becantMtd into I;S. dnllals al the date it b prrNl~srd by is nr uv agrtts. l:rlks a partindar rate c myuirtvl by ap!,Ikahic last y«t atnlnria• is to dlrxxr a rnrntrsion rak• Thal Is aatt,t:lbk w to kx that r1a1e. tlsmrnh; dr aat:trsiat rtte rtt itrr fnr a Chury;r in ;l Fnrti>7m tvlrex:r s m gmakr than {a) the highc4 ,dfu:ial nnrard+xt nx:;whlisbtJ 6t a,rscmnxart agnxt. nr fhl Ulc higlust inlerha!lA crxlrrrsiat rate klaxtl'xd Fg trs front ntuuntvn I;anki:tgc,xntis. rn: ihr awttrtskm dak•.N ilr Ixkx halms iEn. kl t.rhrnbmm incn;lvvl hr .":;. ll)is mrnc+sin„ ruk• nxrl• (pfkrfnru r,:tts in ;fiat at tlx• date rd ;nix Clattm. C,ItanrysrAlt51'dttlhl t5td,lliltmails lsixll aSAldinl5) ;:ill `x•hillyd at dtc rt'^•s ash rstahli fmrna lac Benefits and Services SubieM m :Kgrlinlde Ixx uc Ilmt• fire ri,Fd N adL nxvlifi' or tk•har ;nly Ixsxiit, sole, a Fexun: tlral may aarxnlxtm' }tart Aare nu at snty lino: alNl aiilwm lwtia w eat. Arbitration Yngr>,vc This Ad)iiradtm PrgracNt sar kith fir dtnrmslatlas :auJ pnx)ttlunt mxkr uitidl Calera fadcfitxd htrr,r) ntaYh[• ad:itmGd iasttad of Ixiyym,l in ratrl. Ikfrrilion>~ As uad in dlk Arhxration Pntr$kxr. ells krtn "tlai;n` nxans ate Clilltrl, dl~tltC rlt amtrtx2rSr IT(S1Ri: rqn 31Y} la ar6ktg krwn a mlating to yau.4arotmt, dt'sARita:trtrnl dr F.kamnic Furtk'I`n!tsicr Stn ices AgRxvrxvn. aril atw ether te1>tda ~ agrcmtcnt that ;cat play hart had with to a lit mfatitmdrils rrsdtir>F famt any cd dx alnrr a{,mcrrxgis t`Agraalxrds" }. hnkx6:rgdr caktkh tadrrrx:tllilih~ rrr sr!tr rd Ihs .khilrltkNt Proriska: rr tlr Agaivrerrk Fla INmxecs d Ihi~ Addtr:+tion I'Raisirxl. "itxi' and'id' ahn ittdrtrisam c;nrxattr Irarrnt, nru•Iwll~ nr majrxih• crnrdstdlsickaries, afl'ibak3• err,' kmaas: pnxlar:r~)n; 5txttLUxs, agilptc am ptrrtit.•str d am aamnn, ail agarh enrtrktiixs, dirccGNS :nxl rtlmwlCUi:xs d ern' d dr kxedrrtg, ad whet ixaraa mftrrttil to below in tlr c~nitkn r("Gaina" TJaim" irchwia ctraa drssn• kirxl and narrate. indttding inn rwt lir~rl tq initial chrora, cumGrdains, camo- daimc;uul drivel-pam• dainty arNf tiastn based trorxr cartracc uNt, frsud attd aka inkvttialal lots, statute regrrEnias, aanftlal law a!xl tyni;y. "CJ;tim" else i:xirxksdaitrs by aragaksi am'thinl Irani adng a prai(ling :ram prtxkx; serrbr rx Ixetekt in Opltletikw uidt arty aaatutt (i!lclialing tint ltd h,ttitti kA cralit laaeats• drhd parties adw aarpt I!r f..anl, thirtl Inrtks uiw tae, Ixaide a ~racq><tk in he Iratai nr brt tx:rnfit pmgmrm, mmlltncnt seniors mid rt',sards txr>mm~u, crtvlit irsuraax tunylaniec, ddrt cvllk+crors mxi an d drir agrns, enlpla'tts, tkresrtrlrs alai R'Iwt54alatir^5} tl;nxlally i. stilt thkdparh s normal :u a co-pam~ with }.wt er to (u flits a Gaim with ur agaietsi trot nr tor) in cmlxx.Yial with ;t r lain :aWVYvI in' wxt ur la agtinC tk alxr: The rrml "CLaim" is in lx: ght:n fir hm'arltrt•ptstihk mrartingilut will he alkaad atld uxiaks, In' ton desantpk aril uit{lmr, IimiY,riiar. xr dakn, rl~nttr a• caurucvsl that ;uists from cx nicks w (a r arw dih acmmlts creatal unikr an: of dtc Agrtvalxaui a any halattms ut atF such aaamh tht ,xhLrtiscatxstts. p!rmwtias nr txal or wdxut sLtlentrxs rtiaGrl w a:tr ardt airntuds, grxxh or colas linarutd tmdcr any rd the acaxmts a tlr ttvtrs ql fi:t:uuing. !, t tlx' benriitc ;old srrvkts rtiatctl m f_atdmendxastlip tkxitxlhtg Fe•Iraevl nr fie lxvldit Iangrx!ra. tvlrullRxaH s^rvitts atxt rcwarctc progcunst; and (d) yvur:q,plicatiat kx env aaatnt oft shelf not deer b tae athitr.nion wtda the Ad,xratbn Pmtisien kx any t7aim that yw ptgxdl• file and purwe in a auall china roan d yax stale nr nwnigrakh sn l~xtg as Otc Claim is incliridunl and IxstrJing alb m that caM Gri/inlinrr of.irbihrrlinrr )hv~ttfow3e~Tiuur rrf,IdnrinBlm!!rr- Ar»" Claim dull be rtsdad, upon the datim bl• y:xl a us, br arbitratiim pursuant w this Arbxratfon t'msisiat aml tlr mdc d ptgcnhtn_, of the natiat:d adxtratinn agarlv;xkxt bai:+dl dlrClai:n is refrt•al ir~ tiia't:x the time the Claim a filed. Gains SIraR be mk and k) ciilxx tlx• t~:niaxil Adtilrudnr. Ibrum !••AAI"t,141tS, a lire Anrrt~lt Ati,ik:nial •4vai:tlial f"MA"), a stkcksl M~ the Ixttty c'Icaing b te.: ad)itratkxt. I(a sekaiinn by is d rNr rrf tlrox crg:miratixtc a unamtll:iNe w stir, Ivtt shall ham dr :iglu o•Idtin ?0 cktrs afkr year mite trolls d arclariat w elect either ul the ntlrr nr}:tltv:xwta ts~d w xtaat• as arhitrutim::ulminirtratm• Fnr a mrn Of Iir pmrCdertS. In ilk' 9 G:fim fxkx+xhtr irlbrtnalkrl :dxxll tixa nnmvnicxl~ tbnl:xi Ilrml a:6dkxs • 'rate RAF:u I?0. !kn SU191. Alinnt~ywRt kitC SSvOi: urJrsix, at weer arlxtntiun~fattm.mrtr. • y4\IS at 19'lA A•airt SInN. Suit; ~t10, iAS Attgd~, CA 9aJ, l9; uuhcix^ wawjans:drmtn • Ak5 at 3i5 tt;xlisar tatmr, keur Yuk, hl 1001?: u't{si~ watu:adrurg. .Sirarifrumrr rj Ir6ifrnFrtarr' tF:iRBfflG411(k'J IS GEOSF:N Bt'.AhY PANT1" \t Dil RFSPIT'P1'f) A GAI2A, f1F711tF]t 4'01; .W)R o:F o711.L I U41i'Dtli I; If I fC 101JTIQ4IF• TItAT CtAlet tN iS1!?R7' Oft I IA1; A J4R4' 7RtAI.Of4 TI Vii' I.JMM, tIR'ID ItAt'G TtditR rI.AtALti RFSOL1E12 FXGilrl'.4C VItO\Ifx:D i~ilR iR TIIF. C(N)t:Ok' i'RfR~I1r#~QF 11~ h4F'. JAtiS OR nA•t.4~ Appur.,Altut flat °cxA>t:'7. Fkro°[tfu, tar Ml2 YSt: tt'n~. hot I I.41'li'1111: RIUI!T'IL) }~R'ftCtP.ATE Ri A RPJ'RF~YCSiiF1•: CAI'.4t:i'll' UR :Lti A Mp.AIR1iR OF Ahl CIAS'S:OF GJYIttA2tTSt'i:KTAIlC2rVC,11) M'Y' (aA111 St14Jl:f'f'I'U ARB(TItATi(K•l. t~Ct•Ixl'At SF.TRilflll t3EI.OtlF,'11 fi: ARRf1RAfUR'ST)F.('ISItxV 7;ftf.bti FRiAL!i2DBfK7NK1;. NO11i'111AT U'111ER RIGI ffS 71k47 \'OC OK ~E RM;iD1MiE iF Y1)li 1t'F;RT TO f,UIR'f AI50 tW' RUT OF. Ak91UUA.F• IN AllE171tKPkNi. Restriaionr on Arfiilmtkrrr: tfeilecpraterdn•~ brESOhE a palm by atbifratiat, that C.lakn sltaN he at6iYai0f ae ao bx6vidlcd basis. 76,•aie sortlf br trn ri,~Y or rratbortq• far aur6rr~ais b laearbitmraf rnr n daa rutinrr i`nc%rx rnr dra+s 6lrerlrinA akriac JSrgrrgb do n/xrryrotvul ntmv:n6r/irw trgttri[v on brlxr~gfQrr~arrrd prr&Itc, orlkr• (mrli»enrb n• nr ()lbcr(xrwm sirmTxn!raixrderd The adliiraGxk audwrity w nsd:c f.Lvins blhrtftm)ibCkti~ betamr stet ud to afar, and dr ;vhitn!a's atWx)dry b rrtdearraa6 itffirritcd b awaRls m }rat atd to aknr. IUAlxrrtxae, t,Takns Mou~¢M' yut a~lst>Q tr by uc aphtst }nu, pray not be jukxil amadid~f ul alliliY•s9rn with palms bmtltdlt b:r a against surtxanr velar dxilr rqn. arks egad b n ariWlg b} all yanks. :tdunrrlrnu l4ntvtfrm: This AdioAion l~sisiun's m:de pttrstunt to a tr:ulsaairm i:tmh'ing inkratak n)elaavee ad shag to ggrrnlnl In• I!ro Fnkwel Athitraliat.ACl 9 t:Sf,, tiedlers 2-f4 as k rrar be anxsxkd (dr "FAA").'IUc arf,iU'atFm shag lc grrrertct ~-ire applicable Ctdc, rtcr?rt Thal lG; Ilk' CxitMli Cn(nnC11tIC tuNkr dro F~i.4) the ilbllr>€lal I'Rrt7Sltlit sllafl mntml if it is itwnlsivGrtt wrdt tlrapptx;~k• Gale. The afiitrabx shall aty,ly:ygdkahk uthstaluiar ktwaaaiskut x~alr tie 614 and apldicaMe slantics d lirnitttias and sliaR Itamr rd;lir~d prirffeM reagttirrd at law and, at dr tinxk nrlutsl dcitlcerpttrtr, ski pnni~ a brielwtitMll tapLnuadat d IIr hasi; kx tlro rkciaitn. The arbiaiiat IantxaWtg shall :xx be t'aramd by any Faleed ras6~ odes deiei protcdrtm or ndts d e:kksla. F:itlxr lwlm• rtrt~~yy s~rt~acgttmtadtc adruraror w apard the a'^ire d disrxwtvg u)xkr dr appicable Coda'ftre paery sr>lxniuing suds a rtYptat niter prutidc a ropy h tlteattkerparxg aiq rroysttbmit UbjttliUl5 w dr arbitrttur widl a rx)py d dye ale juiurspawkla! b the rtxptating yam; widlnt fiflc•tvt (}5} dnsdaccasktRibe mrpestirtgportgk notice 11r granting a denial dsudt a ralu~si9 brit rite sr,ied"s(retkxt d tiro arhitrtia. wiw dill nxify ilro pairs d frNpardx'siar within laasth• (~! dais Uf dr nhlcahtg yam's 9r21a1pBn. Theadxtt~crShag take n:artnaldC silts w pressor tlx• prira,~ d trtdMhik, ward d trratk'rs. Jwlgnxnt npcwl tlr a•.aard tettdualk iteariitnGOr mar k alteRSlat any nitro h;n•ing ju,•isdictwn. Tits :nbirrinr's ~kat rail M find and himling, rralx ftx am right d appeatllmei!~d br ibtFM Ilrricarz env }xtrts uhn apx: I That aaartl w a tllrrhnlsitr~rpcatd arbsdeliskrtxl by dr same arMlratkal al,tnfcuian, aldeh•slrimrsit~t area arv aspen dilr intial aaanl ohjaiocl w I>, the appeafiagprlt. The appeaRraEpany'shall base Ihirtr (3n) days loan dro rk~dmay of iresarlE#r arhiualial award b naih dr :ubitratial organir,Wmtfd t itaeawrg dr right d appeal. Tlr illpcal shall Ir filed ailh'ttx alflitir!tsragarr'vyiat in the fans d a daial wriilng. The adtitratwn aRaeaafiarrwi liar rrodfr dro odxr park' drat dro awaRi Ixis bear appxid:Ae ad>iaion or~dnrl sill :gtpoint a thrre~athftrata p:ttrf dtatwil redact as atlbRradon prtrslalrt w is Cale and irsue ih ckxisim aiflda altMaeda,tl ad latter (120) darn d ilro date ddx• :glpolant's aviutat tndtr.'Aedxiscadthe petrol shall he 6v nlajMty mk artd shag be knit aulllbt3rg, Inudio» r frlrhitmtirwUF2rnaadaj!•err Rrry• adr$ratlat hearing that you aortal shall take pleat iir else f:lra{ prioaf +fs4ritt d saoty residt+xt 1'at will be rrcgasbbk• kx prg'foF I~rstxac i err}; d rite arbitmtinn lets (i!rhtding filing adnrinkaratirG hemioR ad/orodttz fires} iNairlttl by the Gxk•, w tlx: esksll that scrdr lees drrxR exmed the amaml d do filing fus Ira arukl hate iraalmNl idle t'laia ftatt kern 6ragJn let IIx: siatr a kvlcrd mnrt dctasi b yrxx hdfirlR a~rtsadd wtxtld Irssr jurhdiction outx tlr C,lakn. air will Ir trslxxaitk &pavirtRthe ramaixkrd wly adutrrtiat fors. At yrntr wmlal regtresl• M ail mridar it good (aidt nxikinq x kan(wmrr axharlce d all or partdyansfne d the arldratirNS lets fa ury Claim lnu inkiale as b wltidr :geawe sale arbitrtlial, t'at will tax be a~vcsstrl arv adl8mtiaa ftes,kr t~ d ymr sfrarc dyort rb nor pnruil in :uly ad,itrotbn with ts. (.bntrrtxatcrnr:11ti5 ArWtrutirxr Pmueirat sisi srnsiat trmtination d tour aooomts as well as svhtmary paymt d ile Acmwd bdatxt in full by yqa airy legal pmattling by rnu rx us daAM:dt~Lt rtatd by the odxa; arty. b;utkrttpkv hq }at or I;s, and wry sad ley m of igtx Aanaart (rudul the cffie dsak• its itvnu shall apple b de heaadam d wurAmatnt). If wilt' INNtkwl d the Adxtratnrt Provisiae e ~ krtatid a mNadacah{e wxkr any ixitxipi: a pmrisim titer m~ dslsalt rxx insalktar the rtmainiltg ilatias d thBAvfrbaioa I'mai6iort a IheAgr¢mxgt, r;xit d rrhifi shall h cadamabk reFaraes d strdt brvahdiy. Waiver Onr L•dlum to tat.•n.•ise arty d nx tislas rattler tills /grecarxru, ax deFay' in cvtfnrcing any elan riLdts, a' uateaif,errlaar rQJxs m any cxr.,tsion, ;hall :xx axtsdtuk a W;drtr d sui ri~YSar alto alter rNxaaat. Consumer Reports 1'al andxxi~ to m mprrst aannre a~+rlnc aMutymy b make wllafetr acdii imtstigatiaa tn: rke+rr apprlrpribr. bdrtanr and eerhangc arty 6thrmratiar we mm• tt'Ethc kaaewatttrre+rRpnr6 and artrorsottnts, and t0 tsc strh information for am pspur'a,sulyert b appkcabk law You aulFrrxirc us w furnish irdrasesriert womrrtkegyarnAatam[ w rnmutn'r tgNxting agcrtcia• a afir~.s3jert bappli~le law If you believe Inkmrntkm uq base kmaddahoatynrAawnt b a eatstcner ntxxting agerxy s kraeeorat. weshad$arileto teat Anttricalt Frptrss '-_.._._..__----Iv13-6Tt75sU---r12~/V3--S;-o2--PM---Page 3----- _~ _. Cna{ii ISlrrtan Unit I'.U. lkrs iti't, FC lalxkrdak, fl:,',,;3'2'}?4' I m?d idsitifi tltc grerifk: irthtnnatinn tnu tu:lii.'ar a inaaurat. 1bu am Ixrcity txrtgk~il drat inhcmatiat aboutlav;kmtun tl?.nt map ltm.> a rxgalian ittriract at Iota tnalit road may br adnnitlal b a crtvlit rclgrting a}s'Ixr if ltxr fail to talfill the Mmrs d 1<Nx rndit nbligatbnc Telephone Monitaring/Recording Ynu a};rtx drat fnNn dnx to tlntcrx mm'tnarixc avVor rnxNd kkpltarc ~rlls Ixiuttst pat rx Additirmal ranhn:mhvs and is to :tswn Uu: qualih• td oiv tusronxr onto tx as mitrimt In applicable lea: Usa of Card at Federal Government Agencies Anxniwn Iix;NNts hats tsttrcd i?nn mntr:u1s dut~a?ahle UtrCanl !n Ix• aat7rxsi at mrtain fakval ironatwxnt agtnck'; and tklrutnxvric (' :A,cax kc '). +s with +:anl ifrn\IdkxrS al Ce~mlNYilal ibl:drlFhnll'n15. wi1Cl? you clxurk' xo u+t> lay Canl al an Agrsue. aviain Clrtng• in6.xna?ia? a txtisatrill'tnik.:tizl irr m. Ciniic inlamraliun fnNn Card U:tlD:xte1P.5 a? A;tuN:icc nra he nevlurpnxtxsin?t Charge's aixl 1rnnxnU, hilliag and mllcrtinns : th hits and?tta+ h: a;>;mkrgzl ku rctx,ning. an:d)us :nxl marF~iing actieilks. •4klilir?aal "nntU?t rras r>f t;hanT infiunration h+.' A}~;x;ies at: ptthlkslutil ptvinliu-dly in d?c Ftdrad R;~;iu.r Notices .4ny nntirc gh,ttt by us shall be tbtantd giaett wilt^? tk;xtitnl in tlr t!.S. mail, t~alx pmpaid. adtL~vl to }ou at th!• la?rst I;il!in; kklrcss sltoan at ourresrna. Changing tlris AgreenrentJAssignment of this Agreamem }>`e male dt:mp( tlt ?emts dot at6i nes tmu to dais Agrttiittern al :my ti?n'. in accnnlana• with apldk;drlc I;ru:1Cr ma) :ygdl and chant7tvl(x nee x'nns xi :n?l tlx:ntttginx 13l.Anr(5 al lrgll' o(tT'gitllt ;IS nnll :LC (p ftltlln: Ird;adts N'c nntr :der ail. nnttsfcr tv asut~r d iis.4gttenxnl mnl Ilx krtxun al :ml time a+i11xw1 nrAir to l~~qt. }i;u m:rc!xrt sr•It. at<iSn nr Irandr .crv;knnm? tv;un ,>f }rxvll$i!atrNU undo tltis.t,ntvrx~x. Assignment o{ Claims r lh+ teem :vuuligmx'::lhar„ atsl wr ntait tour lmaun fa' all n;rir d ,txh Ji,;mvil rhar~•. +F: ;umgnatk:ah rx'o'al to ,uul aai arc: er,wm;nk::dh (kenxvl In astiitin and ;nmfer k, us, any Rghtunxl rL•drm (rarlu~ligs,;oR d inn) d?.n hxt L•atc.lcxl ui m n h nv~;:N us sap d'irtl p:uT for:ut;uuaun[iprd;r rheairrounltvecrvlm Ift.lnuAtanutt 4hr we urrkc stair t,rth! ltu. axnx. Ilvu wvduart our cnaatl lute will ixd pun,u air: daint :n;:utbl ur atirdwrstor:nt tmm stxh thial pain- hx Ilt amount that sic rnvlhtd to tvxtr Acttmnt :mit?hat lvxi mill cagxrak' :tith is if nc dtvirlr v, pumte the tltinl paRl• tw Ut amrwnt caslinxl. Applicable Lew 1111$ Agrtxmalt ad 14Nx ARDUnt.:Ind all ((nG5IIb115 alxxlt dlelr ky;:lhq: enforcrahilitr and inter}NCtmim, arc fyowmtd by tl?c laps of Ut State d I;tah (uithuiil rcY.nal to inten:al (»•incgtlu dm:ttlicu d lea), a, al by at,Idicnhlc fakval late ttc arc: brtud in ttah, hold polar Aauunt in t'talr, InNI tvrkstd inb titaAluttmrd uiUl1'ai in l'Lrh. AMF,I:IG1N li\PItfSS CEt:I1:RIUN Rr!tk ,,,.+~ Ilnicl f. IhNthrn. I'mskkaxtt:I:U 'fU ASFERICAN FiCPRF.SS CARU:gEMDERS IN TItF UNITED ,CfATES ANl) rr3'If.RNfrORIFS. YOUR RIIdJNG RIGFIIS - KF.F.I' Tli[S NU11CE FUR F1Tt72S t!SF'_ 'Ibis noti¢ mntair?s imlxxtant inlunnalinn ghoul aav dN?5 and our IL'Slx)RClblhtl6ltntkr tlt'7•';nr (:ralil L'illing Act:' Notify Us in Case of Errors ar Questions about Yeur Account Statemartt !Flow think lavs4•gentnl aumng+x if vat ixvil mrrr infonnatiat :Uurn a trus:xikN: m xrurstaxvtxan, write asst a:cyurtr<slxtRdrq~':n Ilx: adin~ hx billing inquirits lidczl nn ltutr staxmx:nt.lC•riro v? in as scam :s ixaibk. tti• mus twat faxn ltxt tx, IakY deal i (,(I dots a(xr ur son }vw the first siatenxvlt a? uitidi thr; enortx prdtlrnt at>fx:,nzl. }'ai tan star tkplxNtc us. Inn dr,ing an will trot prtsrrvc+tx;r rights. !n war Idxv. gie• us ?!m hUkh+ing inh,rmatinrnr • }5run?ante and 3aYn:nl num!x•r • 'f ixvk>flar anwunt of thcs!n7arkd smx • Ikscrilx• the em,r and rtpl'sin. if ;tat rn?, teht }o: lalir<vi there is an ennr If svn; ?tyid ntnre inlnnnilion. dtxrihr U:e item inn am ant stu'c al~xd if u,u h;ne aulix;rizul to N par ,n?v ?u'anr?t st;acsnan ;nd,Nnatiralle taNn :our sat ins dxrldng rc,xhtx :,tanunl, yUU . an sh7~r dx p:nnxnt oti aa' anunntt }nu Utbtk a nnr7g 1o st;>(, tlx p:n:rxnt. y:av Icikv nnot nsult is thrx• hushxws daps htlon: tit au?n!nata Irntrtnt a srhahi~l to Dour. Your Rights and Our Responsibilities Aher We Receive Your Yyritten Notice 1Ve mus :t!tnnsialge lour ktur within thirst (;i0) dots. unlas uc bane mrrtrtt>tl tlx carcln• dust. ititlrin ni?tMp' l~) dots, wr mtst eithn•can:tl the crmr or exld:dn airy wt• ielkwe the st'txvmatt was motet. Afar wt rtrehe pour kikkr, t,e canrtW w to cnikrt any amotml vtxt i!l?CtitkNt, nr nlxrR 1txl :e rklingrxvrt 1C'c nn m?itinn• to bill tau 6x Iln: amwnt tor. yuwlitn?, irxinli»g I.7na:xu C,lutlxs. }rut dr, nor h:nr. b Inv .",np ytustkxxd anxuntl ui:ik wr am inrratigaUn, but loo an: s+Jll oldikdal ui fray tlx!utr5 c>Flurr stau•nxvY than are not in rNtslirnt if ui• li;xl IL•at we m:rdn a mistake tin +rnrr sl:deaxsn. r,N: will tx;t I;:r;e rt prg :my Fin:nxas flntgts mLdiJ ro any glxtitrrutl auxuud. if t+r did sot nuke a mist'tkc, nxr nut hate b>z,y Fin:uta llur,•cs. axl tat Hill hart- to make tgram•mi~dpalmatua:t!tegtxbiaxdanxxavts bttiUxrtav:,uc wills<'rtd yrNi a sausrrart d the anxNtm tat tote aril thedate drat tl a due. d ivnt fail b lui dre anxxud that ~ think sou arc. ue mar rgwR yzxr a dtiitxllx>tn Ikrtstaq hay explanalk?n dxs mI satakpou and 1sNr u'Ric m us uidtin xvt (10) dots Piling us tlut±ou dill tefittiti M par. ttc must tll amat we ttgxut aa: b iltal tat hate a gtttstiar ~gtrl lrntr stturrxaq and ar mrrct xil 1'art(re na'rrr rd anlrutc:w rgrx;tvl votr to tFt' meat ttil am!Nx• uc rcytnR pmt b t!rat the matltr has ixxr? s:ltkd botutcn lis uix•:l it fiuslh is. If wu rk? txn foglxe dust n?k~ we cant:a rnlk'li tlx first $SG d the q.x>sinixd anrrunlt c•.ts? if ltax ratcvtrent tras c0atel. Special Rule tar Credit Card Purchases tl pxr irrr a problem wiUt ?Ile yrulir: d prrgxvn nrsmias Ihat tat pnrd?asivl with the Card aril ant hat--. lrkxl in Lntxl li?idt W a,rnti !I>;• ptt~hkvn with the rrrtrdrart, prat mar,.' boat: Ur ri;J?t ixx to Itrm tlx rtsnairitw anrxutt rhx' n.? Ux• prtgxm orstnuts. llxr, are tun limitati+nn v? this righC (a) ta: must haw m:xk tit purehas' in }zav htutte state rc. if not within }vxtrlxNttstaewitltin I(xtmiiescdt'atrturnar[nurilingaddress; a:xl fh) 'ltxlxtl~cwsrpriainusthatt:htennrnmdtan$5a. "11x"e limi!:cia?s rkr?tot grply if we oars or gx:rab: dte nrenfianL or if •ue n?ailed lvxr tlx ad:erti,Qnxsn kxthe pngxYh rvsenitLt Note for Ohio RlaldpNS:'llte Ohio laps agairrs Jaaiminatirar ngltirc' drat all ntdilurs nukecrallt tyrralk m•ailabL to all crtditurxthr atctanxvs, :uul tlut cnskt rt7rxling agarcits uiaintain sgraralu cttdii hiCaies on l:tclt indirid?rd tgxn nxllxst. Iltn OhNr Ci.il Rilj?ts (nmmisitxt :nhni;tistUs mmplia;uv ailh Ura Imo. =x •- --_ , _ '~• ~ ~~ • <>: ~-` ~t ., _. ; _~ r#r," " -' ~ -. _ ~. s. }a ~. - U1CF. Y'UU Et"ROLL IN EX1'Nk:S.Y W15tI ((:AF•L 7 ~tillD-(.4SYi- NOK`), PA]' aY CONI'177itL FAY DI' PRUNE OR AM' Q111ER A:ttF.ltlf.AN HXPRF:CC F.1.ECIRONIC flI.NlOS'1RANSFER SER-'IGI'i {F{FRFiAFTER 711E "PROGRAM"), YOl! YY11J. RE SlBJECf 71! 11[LS EtECtRONIC Fi1NIRC TRANSFER AGREFMFNf (11iE "EFT AGREEMEtYf"). Stops of AgremrreM 71ri5 GFT A~earrettt curers ttxrr partieipaUtxt in dre I'rogrmn In this FIT AgrcemcYtt. the watb "tar' and "tour infer to the Rasic rartktxnnixr and ago htcllxN ag Adiktional CardnNarthas uig hale enrolkrl 6t tiN: !'rogiwn. 7fie urcds "uc," "av" star "ttt" rfer m American laprrss "I'ra••rl Relaxd Scnins latgoant; t?x. The wrna "twr Mxrican Expmss Aruonts" rchv to war Cant .krYxutl ur am'tGhs.Anrrrican laptea 4cmunts That we pu?nh pat to atadl in tlt I'mlv:tm.17N: words "1 our Rank Attount' refer ro dte atraux ixitl Ir a h~rrk. searritks lion a ahty fir,;nxial ittnRuUrNt from whirl? pa;ntan will ue made ulxvt lnu make u ,n4trtirxL. unkr tlt I'mgranr '11m+rnnk';ax hark' trxan tlx hank. V!t'1117trCC Firm .N r?(her Rtlalx:lall InC111111XN? Illal hokk UNIT R:ruk Afrrr?Int. 11ru woris'trlxY quirnti' rcity IU elrsYnuric payncnt trm,kr grtiraa andror utlxrrnh ~ dral,Y:ntvic:m !•:epn~s rn:n nt,rk :rtatlahh Iron time ?n tint, inrtrding the rgrlinn to p:ry ttnv rant Ataxmt hill r:k'ahturic?Ily tying a mnrptdtx. phare ornttxY dt+ice. MRicgrating in the i?.q?ttsi C:rdl i'rtrram will tY?abk pa? m use dt (~rd to tdr4tin rdr fmm :luttmuxd 7iikr Machines t"ATiis') cgxYatal M am• lank or financial irstilutirxr That paRicituks in tlx F,sprts; CnEt Pogrom. I1t (::rrcl A¢uunt a gavxml br the Caah»tmber AgrecrrtcYtt Ihat a adadml b thB F,FTAgreetnent'I1ut agtrutretd and thrtnpivtliral k:mts in it oars apdv tare. Personal Identification Number In mnrxxtiar wide tantr pardripatem in Ux Prot7am, ue ha+c tinted ro mu nr alMnxd yar b dxxsu ltn.v am I'ersaud idrntdxat~t Nrm><h:r f"1'IA"). Gach time :mr uislr b dtlaln rant al an AI11 }ou trr•?st stpph raw PIS atxl us: nr pn~cv?t tlx: Cant 'li, rrts•Im: th:R'to un:adh,xbud tralcxiiars am m:xlc m?dtY U><Fxpn'cs (':ach f'mgrarn. }+m sfxxtkl tnkr a!t reasra?ahk pax;autiats ro prvtml one utlxr Ixrsott fnmt kaming tart i'I'ti rq thing Iix ( :trd (Hx cearrgrk, rxarx ktip stn nuixrial axttaining yntr PIN att:xixvl W nr r.tlh the fanl (Mlxv sk+etrcurk ht:xb u:ttrsfer gxum m:n~ tr nnn~ nra ngrtin• Ux• trr d a PIN. Limits an Obtaining Cash or Cheques 11x limit at tlx rnrxuN?t nfctdt Utat trxt an! kklitiaud lanl:rtumhtvs rn~ tour 4nxriran Equ~s:#•uxmts mat- nbtair; frn,m A11ts a $1,0EA in am xttiht-dal.luaiod Isis ma7 im~v ackliUatal line at ourslk discmtirnr fin addiGat»am• limi6 impnseJ br d?e:Uli's gxvaxxl. Payn)eM for Cash Transactions liat:h dine tzar itstiat a tr•msaclkgt under the Pmbvam, paw htstnxt arrd autltorim is urr,ur ag•Ytt b dmn a dxck nr initiate an atnnnuxd clearing I+.nuse ("A(:11-) dd>al In t*.xtr natrx ar qxu Eanlt.ktaxurt, ixrrabk to a or b av agem, in the antrirtnt d the xatecxtiat.llx amamt of d?c u:ms;taiat s the v!ud nt (i) Um amount d am• ctsfi tat r_attixd or alxv lutrr)r trarskv po-a auUmi'rtd, (ii) rite anxxmi r,t ary otlxr gmtk orstYVias nb'aintd. ant tiff} am itt's itnptravt Ihr use u! the AR1 by its gxralur. Feos sr man drar)F a lee v, Fhe [ard ARa1rIF ftr,: tit I:xprtss Cast? r, ansaaiu?t a! 2n A:I att. Itra kr, will Ix' 9'. of tlx :mtatnt :~ 1ltt UaraYeinn, with a minimum d$5.'11te antand d ilt tmtts<xlint is the total d (i) the a»otnd rrf atre Cadt part raeiad tx outer' furtds tnll5ka tUl amhairetl (ii) Utantanrl nfanraihcrgnodcrrrseniasn6lainod,ant{iii)amfas irrgxsed kc Ix ddre ATN bp• ~ aptrAor In addiuort, fa• tadr ttarsaniat trwr hank ntar assn i6 asbnrarc irartsactbn ice a Perdxrk a itpn• haxgirtg dlarp:. if am rFe nrav also charge a feed $29 for eedt dxxi; a AC~I debit thaun br us ur rNrr agem in oarrrottbrt with UN: Program that a rte Itawnd rgxxr first prtstlrtnxnrt, sltbjtn b applirabk Isar 1"ax bank mal• also assets its talstarorr chatRe krr slelt ikYta, Yam• Dishoawsd RequesE: fm Payments R am rdxrk to AfJI tkid! drawn by is a our ayrstt in carrxetion with the t'rotTnn a rtut haaxrd bl° pnty bank sw ham: tlu right to charge dte atrtnnn of an srch tmm:xiiat and the dkdtaraed pamxrtt fee n#cYrcxl to stmt. to tlrc farrd Aoawnt or W a>Aat dre arNNrm fran prw. IFthis h:ggxYS.+ve m:n'r.-ntai piny rigix bparUci(aM in lM; Pm;rmr. frx avtain hank Atrnrur6, ytu rnav haw a stlrarak: agmmtnt with tcs ur uiUt a p;tnk:ilxding Ixutk, sin?rises firm, a txlxv finaxnnl iosiidttbn that alkms a Rtx: d crc+gt b be acsesl in the eterrt that wlv Yank Aoraun nmtai?ts irrsrrffxkml fiud6 b mnke palnretrt b rg t'flll slxtukl rek7 b the appagrriate agre?nnem rciating b that lute daagt kc dt ttmru axl anulpJars ilut germ i5 tu>r. Liability for Ifnauthorized Trarrsactions and Advisability of Prompt Reporting t'ar mtut tll us AT UIi~F. i(ltxt 6iik+c dte lard a vox Pi N has IxcYt ks, dsksr or rued uillxud tcxu pnmtssbn. Tek'pltminR a Ut host way d minim'rrattg lwna!>tr kicas.lf a Irataarliat was tn?:ntdxcimtl, a?xl within mt, dm, afxvrtxt kartr shad it row nntitr la that tlK Irarrsaivnr uts muutlxxinvl, uu uig rxA hrdd part liable for that trmsackm. In env cxvtt, CS191 d Fill hell to:ladl' rts, torn habilin• for attr w?:nulxxiad xattsaaitgt rx avits trf mktkxl ututtrllnxirrxl trrtrx:trors shall tin G•sceal $it) If wo I,clitae the Cant rc tYgtr PIN has hanr lost rx sutkxr a Uut s(Ntxrxie has tmttskmd a trxn trarickx mxtcy frtxn lvxvlGrttk Atxtnmt withart pemlissar tag: 1-WN1 SD3~itXNt (within (.S) or 1-,S,i633i-i21 i iwtsiJe f ~) an;Anrtc, or +tnlc Arn:ricat: k:ajrrU'srtrxgt3)rynnnxsd, Ptt. rim: ;323;(1,1'hrx+tit. A;t!ara 550;?-1,530. fhttskk• llx I;nittd Shales, yin may also catnxt anp AtttRcar: Fyrres'frasel Stnicc Ixadar to rcpnrt a Icy nr Unft d Ut Card n lrxtr PIN. Our Liability for Improper Transactioas w Payments It a tratsatYbns not as wrr line thrtsud M i(uc do not mmplclt a tratukr b a irrxrr vourliatk Aanunt m time in Lhe totrect anrnum, ac uig rrsrrrch and mrm.1 i[ as nm~ary once too adaise ui We will also rcirnbtttse tart for pour actual Ioraes a damages, Jan-, atstvl by nor errs. I katrlec ~xYC arc sxrre taayxiau. ~ uig nut 6t: liable b you in Uk fdlaaing irstatxtc • if thmuglrra~athdtwrs.l'ota (tank Armnlldoes rxdnrdiJ tNx mnta(x trratglt nrorrev b aorrytkSe dx: Vatusacliar a tlt Irants would taaxd an csi:tMkdxd trtdR $mit: • g the hrtr~ in tna R:tt?k ik?mrmt a2 a acre a<dre 6me ddte atkanpmd transactiat ><r6itrt k, k~rl prrxxss rc rdt'tCY rxxirrrrbrarm rcstric0ng the hauactkxt: • if dt ATi mdhrr bcttinl where tYUt are nuking the tmtx;xliat dkl iwl ham: t+xxrglr cdr: • if the A711 u:s rNd wrxkhtg pm fxrly :axl lvtr krxar tilts al tlt Unre ttxt si:rrtal making the Iratraclia , • ifcircnn?st:utnshey*xdaxantrrd(suchufin:ortlond)Ixeeuua• pmsatxxl Uru inruactbrL d~i1c n~onable prts:nt0rNS drat uo hate tale. l; • g a ks:hneal nurutxabn known b you pmtnkd the transacliar • s am aduY ~otlrtia?s sWled'xr Uric I7TAgreetrxaR Business Day Fa Ixrgxas ddrs EFf AgrmrreN, atr Msirx:$ daps ate M1knd'av dtongh FRday Ilnikhvs arc na xrchtrlad. Arbitration 71x• Gnrtl Aoxxmt a gatnxd br the Cardntrnrbcr Ap)terrxart canairxr! ixtttiu 'Rte AddritratkNr protisknl «ndah?a! width dot a~cesmU a1ltlks b Utis FFf 4pttmott. Plcue rtiix b tl~ praaitNr aslrnt a:rd this hll'A~etYnent Privacy P.ItxlnNtic fmdc trartsh.•rs tzw initias: pursran b Ura EhT Agrtxrrxnl ate nntYtd Ix tln: Amaicm F.xprt'$ Ritnq• Pdin; a nrPV dahiclt was gi+at b }vin rogtiier with axv Arttrk::n F.qx~ Canl'!o tiru• our Priaxr• ln?liq rnditre Idrasx•riseanxYicttrynessann How to Contact Us If lea any rcssnt rat wish tc. twrtlari ru atxxu Ux I'rr>Kr:tm, alxan lain InRiripatiat ht the Pn,gnnri a abed trancxtiars relating b ilk Pr ,vain, write or cdl to as k>Ilwr ~rJdtisc Amcric:m kt}?rts$7Yace1 Rehxd Sinirts t:ongxtm, Ire.. Fxptrss f,:sh Uperatiors, PU. Rao: 2?tt54, Gramixcq NC T;i:2i Telt7dtotx-. I80aGAStI-hKtOV.:A Ixmrsr dot; stxm daps a u~k In Case of Errors or Mora Aboat Pow Transactions ff'rie or tag to ~ the tmmber a adt6ea ;art aMw as stxut as par can if lzru tlilnk porn sGkartrtt or nxr'ryts rrrarg tr Rltxt ttttd more inhmn:ttbn shad a IrttrsxiirNt laud an pour statnrrax a rtc!tilx tt'e mus Imar Iran axr tto tats Urart 60 daps aflaste ~'d }ar dre FIRSI'stautrx,n m? uiruit tls pntbktn ortnmr aigxaraf 1. 'Ihg us wuc rptne and Catd Acmunt?nrmlx2 2. lis'n7>a: thrrmr or th trartthnirxt paw are attain: about, and egdain as drrdv as con tar? utt}• vat beli+r it is an ermr orabc low rxxxt tmrc iafnmutia?. }. Till os tlt ddkrr amann of dtc srapxkd sac _.. _. -. _..~-v~3-b'TO-6~S1r7/19/B3-r02--PM---t?age-Y- 1f lnu l,ll us prdl\, \[r Imv rt~uins tfntt±rxr uvnl us }rwr rntry,lainl (x uixsliw?inwntiugwilhin~l0ixain(xtdal~ fnxntlx•rkttt}rnrtmtifi(clln }tY• will Icll text tlx neTrhs d our invt~li~nirxl within IU htnirmsd:ns` afltr Kt lx;lr fiTxn pelt :tlxl NC will axl[Y] :Iln ImTir Itlrxiry)111. If 6('t10.d nhMe lime. Ixx,(•\rr nc mat t;lke up to i, ewk,xlar ckrts to imt'siiGate tress mnttdaint nr y€xslion. l(ur •kti(le b,b this ur Dill zcs:lm that Frmr hank nrnchaxxtrNank.•4xcxminiU?inUthudlx:t<tlnt~ Grtllx•arnaunuat Think rs in moc sr that Tar gill h:mt tlx:?ty_ sdlix• nxxu; durklg tlr tinx~ I; ctk(s is u, axnpkic au imtwit;:akm if uc:el( y(w xr ixu tvtlnxnlgrlaim •x (pasna; in wnhnG aril nr (k :ur, rcrehr it ui0tin 10 bttsinuc [la}T° k,llrm ing rwx nrd nnlifxalkm, we may nrd rtrndit t~xv Ihmk Ar,~rwnt I:,r tmnsactiom initiated ar: kk• U?c l nitul V:ut~ (and in Uu c(t,x Ilx•a am trutsfas mashing fran any Ilnint-pf-s:)k d(•hit rartl lmrts;tctkxtst, uc will hate (Xr c:dert(Lvr J;ns tp amlpkic (wr inRCigalkxt. unl('~ pihrnsirt• rttprimd h.• law. t(nptifk~tion d an (rmr a rcxxi\rd uiUlin 3u caksxktr dais afkr curer Bank .~47rnntt is uncvxvl, ue will haw:2(r Lttsitt(sc days b proviclr rnu u•iUl tire. ns!dtc d av insrstigrJat atuf cpm•ct am= ante am19U dens to mmpkve th< inxslipnion. If at• (k9(r,?lirx: Uult then` was rro errrx: wt will vvxf test a uviu(vt c;planatkn?within thrrx•hnvitxrt ckru ahcr nr Gnisl? w?r imtst;;nipn. I x~n ;Tux n:(gl(sl va: aiU Imnid• cur: w ith (Tyti(s d 1!k rkxalnxvltc rh;u u[• 1[s(d k? wa• lost ?igaUal. If we I?a,r pmvisnrullly nxteclitt,l prx:r h;mk AaTrw II (huint(Ux:• insrstix:ui(m ;uxl ,k•tcrntirx u::n tlxr(• ux no crnx.:\r will nctiA }au pf ILe (kl¢• n;t nilidt uc' will nskl»i e,rtr liank .~r.,x!nl,:uxl the :mxnud Ip fx, dt itixd. Gx; slxxikl m:16r (rosin Ihnt \(xu Ii;nlJ..k;aun axCann sutle•kv?t fmxL;+., note tiin,klal. It it (kxs nut. aT• ha\c Ihr tight In dc:rfs; Tttdt anxwnt n, Ux: Gtn1 Account pr xr orlkc'1 tlx:• anuxun Inxn !*w. If Ulis hest ,±vli, wr m:m:nurl sews riryht x, Ir.:niccunc in Ur I'rt.;ram Tormination tot; (x;uly b;ulka fin;itxial insYtlaticw parlkilraingin lix• I'n>gr:nn,:n;r, ;idi b pr mlrtme four tlx• I'rc?gram :n?p (x;dl ATda pr uxstd or limit the st'n~ias pnnirk<I at :wry kx;Sim uitlx,ut n,Kih•ingwu hd(md?;md. in addiliat, we may dkgxxtlin:m tiK Pmtp•am at arty tines. Ycxu rig)ti b> pad6~paar in tlx• Ib?grn;n sill br xmninatcd or sugxvxksl ii flu ia1rc1 Aaxwnt a antmlkxs nr srtgrtxkd. if }vu cuxx! the atuhnrizttips: tow ha\t giFtn tour hank Io Jir(zth dew q; clxvdrs to tau ivtk Acaxult if tix• Itauk Aarxmt frtxn witieh p;nnxvn will he made aixv? tint make Ira;tir;:cknn u;xkr IM: I'rtrlrarn iti cbrrxxl to uiUuM.mTU trarsa(tiatc M' to a wu ago lu iF pow' parfici[w1U[m in ihr !'roram R in:rtnr for IR r,xtsctnli\r nxxtdls pr nuxc. pr if lit (:red Aeanutt is iln kmty in grx•! at;nxling bt addition b Ux iphRtlC \m ina'i r'cok tmly rigln xr ixutidiraie in tlr I'mgram, .n anp Umc. a; wu wk disrm(km. with pr uitiwut crosc. subi(cI to aM+lical;k tau'. If we tln.vt, ur will find :ou \+rittrll :w&:t• but ar mar na &'lld \Tln clue Ixlrh4.' Lltltil afiCl' dle rcY,x?IN,n. tlr stye hate Ulc ti;Jn b tkvte rrthrrtir_nk;n Fx:ug nytusx±i Irararaiwl. at am tine.. at nor xrk (ILit71C1k111. widl w \\IIINRit CnCi•, a:xl 1\itl Nxrt I;RIt?g Fnll 6ntia:, suhj(rt :.n ap,lic:d!k ImT. }bu nrty mnninate\rwr paniripatkxl in Ux I'r,akmnt Ixu rnu nlus: <k, ~~1In' writing m its at Ilu•;u1Jrr,,sd[srkrxd in the S<vaGm dtha LI-I' A~n,ytn<n (vrtitkrl "I h>\t"IT) (XN f.~1(T t Il" Prior Agreements and Assignments 'It?a t;l'I'Agmententslytemtds all Ixinr agrtvrn,ls?rw m:n Irne with ut Mating to ifte Program. Rr bare the right ip aoirt the Lfl'Aptrmuu m a subsiJialy prafiilialc oonlpnrn at erg titn•. •411r•.I{ICa~ t?AI'IiI:CS'rtUVF.i. RlilRfla) SERYICPS r:ph{I?A6}: IBC. Grx(kur A. Smith, Pnsid(vll, (ixlslnmr Canlm(vnher Since 793•i Nora for Massachusetts Residents General Disclosrtrc 3tmtrrrtmL Nn Ikxxmrvltatiwl ixrn4kvi in rat wield? indicant that an rf[ttnwir fwxkimlrft•r u;n m:xk• shall Ir :uhnicsihk as (wickvta des=.dl uansk!r mxl sl?all a!tantrtx';nima fa(iep~x?( than stub trmsfcrwas m:xk. '!'hc initi:ukxl M' tow d avtthl (i(cvmnic lunrk Ir•Irsfcrs fmm t+xx hank AaTtlnti will, except as odxrais• ptrsirkd in Ula I'I"r Atnctmxnt. (yftrli?,iy diminalc owes abilin to sup, Irlmx:,t +?f fix tn;td'a. I:NiJ:S3 (YI111iR}4'tSti I'k(riif)hO iK'DIISlTI" Miltl:iil{CR'f }}rli \ihY';+)'I' SIT)P Pfi'\ii•T1' Oh lilf.CIRONIf, tl;Kt>S Tk,NSI•hliS;'I11F.kElURE. }'Ol' SIlOC11) ~'UT !i.}i PLOY Ur7; ('ROt;IC ACYJaCS ITrI: I'IiitCiLA9:ti Oit slat}~ICrs unlrt;.e Yoe: ikP. ~i1 tsta la> n1A'r Ynt: }~•uJ. fu's nta:rt •r(t SKIP i'A};Hlau l: DLgdostrre of AcmnM Infitmtatiat to Third PartiCt. If ewe gar tts sour untk,t nuUtrtnrukxl to diwiase inhmnatipn abtxtt }uu, fora Cant Amnufl m IIx• trnls;kaials Thal eau nrakc to stn Ixvson, That :uuhat/,tial titall autnntath.dh cxpim vi(kt}s aft(r \x rtvztiir it. Optional Umit on OMainirtg Caalt. Y>xt hare tik rryairnt Ip re.Iast that rte kmit the total anltwm dcash that }nu mxr obtain frtxn Aria in a singly des. to $50 if mu ekrl lhi, anion nr will tak all tti.artnahk salts to cnml:h Nith spur nrpn•sT. For Your Safety When Using an ATM, Please Observe the Following: If tix;il'1i ;rw err ltarlg is iav(k a h»ikling, ~ktce tlx• artn•,knr axnld(ntie lrxxl a?tat'ng. tEtdnkktais ufit hate a kgitim:uc txhd x, gain :uric to an AI'dl sluntkl hate a r•;nl. 71xvr non h' naTtskx?s wfxvt Ixpl-mtUunnd :tuns gain aati~tn an.AIT\i m:xithk Ul:u am';xyrxnl:n? indnkluafsarttnd i'ret\illxlntwneell in axn:m plate bdrxe sxppingaaay Fnxll tIx+A7',1i. Rc rxarc d tote surnx:lxillps If t,xl helitam sou am Ix~nlt w;:Vix:d or fdkxxd. cv~l stxtruartsaclinn. Ifxs? go 6, a aril ;;gndakd ama. If w;anvrt; cdl Ute Iucal pdia;. I)n na wr!L^ tress Pit! mndxr net nr toss ihr fartl. i» not gnr rune I'iti mmdtrbantrxtec{,t Inctx•danatwrpnn.adl91l. Gmrydairtc axxTxrtirq; srusrds at an .irlt(ri(•an t:xpna 1 rtsptvlscr sixxtk! be din^•ut m tla :nkir(.a IicYxt ntxkr "I n r1F•'r(t t:tltr15C1't:5. (1a1: AC1h11?'a IKllig rtrunkvl IR ilkkk'll r.",Uiq!F•Iti at.~t.1t la':xk+ns in l;rv~ 1'ak r n mnLix:e nrntind Iw kn-tl r,'I,vtlatbns `I've liauvehltst4ts ruvrkvttr !0 cnkrxl;!r d'J5T II1Jb'ild d h?tctlxss dJeT Description of Coverage Dots the 1Radtsse PeottxYlort Plan Rodts. Whpt an lunairan Fry,nss` C:udtxstlbes dtarges a trarvTd iwrdtase with ha or her Canl Atmuw,' the !'urdtasr t'frotaiprr i'I:m ptnxrts ih;x ignn fa 9(t d:c}s from Use dale d ptlrcllast K it a stden pr aairtvttally d;unag(d. irxitxling e:nxlalisn?. lJx: anTragg a limilal to t I,tKIU It[r lkxttmvta•. uP to $iO,uUp Ixr fvnhrxmtltir:kivnml p(r;xrlky }rat scut a in I•JtITtiS d oUx r srnctTts ditxhrm?U\. Now You Bearsfit • tints (f nvsunat prt m purdr;titcl uul kh: uk \oiEl l thle t::trl :tm nnrml. illchdiuy ; tinrcluutl fees' Mln:ts. • +~ a fardltxrrtlxr, yrwrrylrc•Ilasr~ is ax\,tvl ka'#t tlarT fines !'x dale d iwndta+r :rix•n r,ei cln:r;;: a??t x,nirw ~i Ua Ixex° tt'i the nnr,•irtsul iU:m s'ith }rx!r Canl knxw!' `:'at ui~l nnl} Ir n iadstri(cl f u the :;uxxuu dtvrg[cl t+i tau ('arJ • 71r Pnmh:tse Pnxiitiat Ilan pnwirks n;rrrag/ Gx up a, $1!Mxl ire ltttluna(r d Ux{t a:xtilell:d d:unat;r•, nuhnling \:nxl:da:n. (°(kedrrtvxr"1, not b txaxd SYrrXNt M1r C:minxvnb(K A;•rvxxn Ire p>li(r ctnc • 'Ivx tnitgram adminbrttpr sill ckr&k' uirUt(r to I?a?r the item rtpaimd prrcttlaasi, orb rrktU.nrr~rrw (cad! orcrtdit9 up b the alnault chati~d to tllr Caal, and test b csccai Ulr ai~glrlal purcitasc pria:"flr Ihtrt'tau Prrxpctiat I'hn des not rdmhutsm forshipping and han(Uing esp(v[c~ pr ittsullkuiort :tarvnbh•, cx olllrr Tenice charg/s. YYho is Covered }ire am ancad tuxkr Ula flan :end (rntrage r[vtrti;u rff¢iia: as k>ng ~ \at am a I t. ¢vsJ[nt C:a(htxvrth:a•, that is, Ulc Alncrican L'.xpras Carl h:s bttn ewnl hrr,wrrtamc, scut tau maintain awe fatualxvx Rei<kvxx• in tlr;U i:nit~t u:xts rf.Mx^ri~.-+, Ux• i7istrict pft;tlumbin, Rmno Rirn, nr elm L' S }ilpm Isi;nxk` }'av!tvm:nxnt Rtsirkvxr a c.xtsi(krd texts primary durliil?g Key Terms to Krtow • Ikvxiik will Itpt fr Nb d al th.~ elute itf OrtTUnvnx, rw Ux• (klk of d;timUlitl;;.rrwttfrrku dwalhl-Irmaimlrlprtenlatn. anxnnttdlw wt eau r,tni,hulxtt 6 tmlrtid k,r rxx nr mews hillier; n~i(•rsi a' roar [artl Aimunt n cttttdld.° • Yal mrect pnnitk prnpfdptudtut seal snai;l(ipn ptrxtf (tf Ux U>;ft, :rirkntal d;ulxt~, kldurlin; rarxlalisnl, while anrragc a in right b (nud6y for lumxsn tuxkrUru IAlni?aA I'roluiinll Phut. Ii[alxvrlha to limp al! }•wlrAnxaic'n t;cprcss dnrgc matipa. oriynal stwc rctxy,tc. and danngal ixvre. • (b\tirap ultdx the Pwdta~ PrUU'^tkrn Plana 1'J(CI:SS; tltis malls Uuu II, at fix tints d(kamtm(r, cnu harm other,alid a:xi cdkaihk ilmtrarxt nr h?dmrdts-such as Mu curl limikd b harnartter's (x metre's itlsunutm-tlx: I'urcflace I'rotettion Iryy, will tmrr tL•at anmunl cues nhtml Irv such Adler irohlamcr (x iraknu?it~ try: Ip IIx• limits d Uw 19rrdlau~ Pfpl(htlpll Phn. • I'rtdrutmhrts,d~arnttrxtrxxr~r'nr.(icalfmmllmn~Ixi(r (Twrytvrisrw png7alteaill be dvlucl(d fmm tlx: anginal a>,t pf the itnn. Purchases Not Covered • Irattktsclted~c,Iidtispfanvkitul,ru•!,mti;!hlcirotnlnta?6(Uich;t;gilt aMifrcaks. I,qR cards arld gift dxhl[.il, c:ett ±,r it; aNh:tksn • anhnaksnrinh?giians: • arstuna!?k• rx p(vidlabk ihvttcwilh limittxl lik Wcus Ise h ;iS but not limited tn. Ixvfilnx; ligltt Mdhs, hatl(rks1: • at the limn dputfi;er. u0.rt, trhuilt. riudtislxvi, nr mtlnnufxnund invrF: • NUx Aamagnl nrstnlat ixvn axlsisis pf anwks in a Irafr cx set, oxeratm Hill Ire limiest m nn news Unn IIx• vahr d wry particular paA pr p;u1s, unksx Uw arikks are umaal>Ic indnidu;dly :u1J an?tux lr mplacat irxli\itlually, regrrtBes<d~ny spon:d rahce the, amid[{s) may bast had as Inn d a set rx ar~dkw; • prnnaluvlt ItottafulU arxVrxhuvtxsT fixluns, i;uhuling. hul rxx limied b, carpt5ing, Ilt,ahlg atdHx Uh; • heillc~s licutns, itttilxling, btu test lintibl b, air(TnxJhiolmts mfng(raxxT hctbrS • anlonl ixtarUal, I1xvIKa1 a<~ ckntal aiuipnxvtt:uxl detias; • ramstamltsrxaxrtc • ;uniytr.lxtai,xehaunalisvtts•, • itenaixln:llwe[Ikxracaic.fmrf~~kwal,rxaxnnxmialua; • ikn/s Vill mtdcr xntdhrxvtt hUling lexr[;pl Unrr pnndl:tzd fmm Atlrnc:m Exprea JlenilatuJar S!:n ass), • nx>kxixdrt'Idti~tia:_lu?ttimafl.:tinrlFl,alxlrnnulaZrksrxtMir nuArxs. egttip:nmL Inns nr;xrttsrvkc • loots rental keeul rx banntcd for uilk;h tau will lr iuld rtslxwsibk. Occurzences Not Covered • ihsrts kni to trvplactrJ. • Utvrts stokrl from rrwbt• aAiies • karts rxK n•>wr~l• stfc~ludeibr you EEresattlple, unfodaal rx mlattarrkd ikrrestden hrtta~iclatiits>:iq ml6e axt'red): • itcnustnk'nkcmba!Y,•tgemte~eirdbrirardrrtderrnltrpenm?al alperviskxr pr under U?esnperasion des tdrxlirgaarrytartiw: ktrpum ht• tint; • iknu Ulat tuft [hmayetlnost~s ahmtiptl (irrltr3rlK ntnillg, s;rxin;(. atxt sltalringi; • itrn><d:unayddrebvratandtea46?hxrnrxaluldekrtrx npntwl awtsr dplav (sadr aghm rxN kmYrl Gx golf aril knna ltalk); • tkcum,xxs catrscri fx am dlhefslltravtF frat~ dlt~ rtatulal daxxkx indtxlhlg, Mlt not lunirtd b.eoai, eanlrgrette; tornalb nr hrxricatle; Rar Or Ixxaiktxs dares Idttd {C~, aMaay m6eRxal, hlSnrttgrnll); m:tt'txation M• atdx clam' psi ptdUir atafiaitr or~ustate pH'rciak rids dmrluahutr~ ill arta~ a xtK rarSeoctiue mrtLVninatkm; • iMtte k?st darnagtd, a stokxr coder fhe reset and caned d a Ulinl pam praxnnxm carries; • nntwfaartrn'sddcct~ • items at an lalnaryticti crtttsurr6on site. Now to File a Cleim Rem(v»I,tr, to ntnxc pmrry+t pr(>caitg pf vaad;dm, sue Ixvxl b moat arty tlxft rx datrrap: immvliatek (tAorrisg aed4 d the Otturrertoc, indruting for gibs pun~taad wfilt de Cast konxrnder eau thll nad b retain wxx mre'ryts and y[wr rlamc~vl iuvtt fi mrgtiredJ until the d;!im pmxss is ax»ttkx t. fall x>f4fae I-rmtt3*,3- tl^ m rgxtrt tax tiaicn trns7Trz, udl mikrt at i tell-~-3.r.~ky1 tWsu: }ins roues ryxm,tsvrr dri+n reirirn Sri rknsJit:m 11kr dole r~l >_ }'pu may lx sent a Rttthase 6'vAxiirn l9aim Fenrt wfiidl sou mltst cumplek, front and hack, sig:, seed m9rrrr b dye ehaims office. with the fdbx'ing rrptite[I rlontmettts (fuep copies for your rnm records): • !I1e0.mtrieartFayrnst{gsr#raxipC • IirprightalRxntKxtsraetRtlpt; • thcirovrntQAedarfat(®sforwwodttrawrasdiraur:maur irldemrlits icE„ Irarna~sarrmit~tirrarra~J; • aPIw0.TAdtd~+~~~rttretkenap:clilem iciamagc daimtalAJ: and • fa thdt and sxrrt6rllan rieuy a ttgrrxt reXudmg Ute sbkvr or \wtJaliwd ~ meet heG~dagitlfe apprqui~ aulharity hcfom }nu cell m ftTe a etdm rril615r t'uaft>9r linkaixl i'lart No[r. lixr nrrrd r[drnn trxrrrrrrrtaddbfalalm jorm mrrlrtr/antrl rF,crirmrrk whirr Cirtpfrts,~*are mrrir&•rff[ktrnrrmm ro remniu rlr~'ililrfrrr oatmrne. 3. flleprttgramarhnhliste.ATew[lcideattahrtoha~tUlriksttrtpaimtl pr rrldaavl m b nfallnnxtrv fra!dl erant!'t tqr to the amwux dr.[risil to Use Cast ;wdtteA based drorityed ptxd,as<prioc. fly Rrrdl:e(• I'rtettliat Plandx'saet nir~ shglpinG wul hatni(ing L"(Ix,1T[S, rx ietealhtiatxatvehk apdre stnriddnrgcs.' Now: rile/mnrerr/r~'fitnrriL!6rr~nJeddrrbtrsor(m tm), drrirat rrrd,wkdrardala f er ahaerfinaer M(ui1pY/I)P Ux• hxirnxr. 4 Fnrchnrnppehsm,souant'brregcriedbsaulumlhetl:rna~dil(sn(s), al tcwr capntx, fa furdraeaMntitm dsprrdaen. No4: lfrnJrrskrt.,}car rnadslxnd m llar6mn(ge[•1 ih nr rri7bin 30 r&qs fmrn ffitrdde ty'rayrp9b remain di~fefirr carrrrrkp. Important Additioot Ikdvewatiov tip Yoo '11rc firnt'fits prosidad undia• ids Prolatlnar Plan alryrly a?ly b tent thtly cnu hest arty fogaiertvpeitable rir}tt nrrtedy; ar (:laim to innlmrxe pnxrx~ asal/nrdanvg>:s mxEr a arising from the Pttrdwse Prrtkxtinn Plan. All n:trorlahle and practbli scopes vast he calm b amid a ksstrt env charwe dpmperktnstrtd Im dte tRnetlase 14tNOAitxt than kting sxdal a dvmat~d. }ti1xv1 a h•rclit fns boar paid tax4rdle Pruhase ProxYikw lryan, llle 1n>ltmr huxtlrT ndvug;M.u a dee~ertt dsrtdt paerxatt, b all rota dglla scut nmx,~s ag:t6lst erg reyxxt+~tk fsnR Gfxm ax stray t,xl meat pnr,kLr:K rratrntdtle asSala?ere, itrdsxirrRSplirtg doe-,rin(vrte if raresetrv b hnlr~arit intrxureurtt. the fh.lmhas< IhTtucirxr Pkul a atdinrrfarn hs A:itE\ Assurmlcc fanpant• ("hlsurcr" r, khttin6tratisettft}ce racer Rag ~•'aoaein.711a (lncwnatt s(nts only as x (1®iptimr d(.osantpe and is rrol a pdin• a axtlract d ilunranu; tlx: aanl tarns; taxti5ols and etodtrsiae of PdiryAXW51 ("I'dicv") grtsm Uc!'rnc[xaePaoeeeaiat Plat TirPoli(T has berm issrxvl m Antork~n Etcpaas TiTOtE It'Jabd$reies CanPunf: 6x. ("Arnaican Ex7xea"1, dx: ~'flie rituarretrt replatts all existing Ixim Ikxriptirxe d (Dtva~ frx Ute Parcita>,t Proertirat plat. ~~~ ~x kvulMh j Cetk. Pre+rhra FeMhg -kthan, Secretan• AMtl~iuat~fjxatxtm A3iFJtAssurwxrfanpan•,• 6T~(.11-0I 1 !•ix•dn¢tcd~krauienru[tlaJer63r,ttmfirrs{,~rxrvrrrnts /m~mnrt drecai ofa tnrvad~rrtvkrY nsar rdvr br/unrixrxr/ llxreS,nfi rerk9nfYina ofa:skrnrdrrsTSo tdxrrrd~c/mrAmnn rrrkn~lrarr arOJxWe: -m ~. °.. /'irl' Ijwz4' l'l{'~41+IL' mrrjrNrnlll Yl1rr l(W .UY/rIr7G'r'titJl/, Krvnn6' pn{grvrn. Lrrnyrtr rnr rz!al jxrillllr'ka; 9X' jnlnhnvrl Nrnn i; nn,'rrzrl %mm~l,+/i Ilk' rrrkmrjdrur nju hlrmrxNabij, Ht+rrur/c pn,l;nrrn rtxknrjnkm u+•rificrde. 3. L'redil nimharvrnnrrl rla~ rrrN ryrjrlp In ,Yrv tin{ .Slott' r,::rrknlr. ~. I•n• dxzv zli4ihle nnrjrvrrvlkr/ ire Uee;Hrrnlxnshi/+ KiNrrrrrA• prr~Gnrrn, jsirnrrn/ or citxlit tr ill rrd rrarerllbe nr%irxrl navRnot znlue rf/tx. jxnuna(/rngx'r~t' nu'ietvllhrwglG nxkuyrlion W n blembrNSliy~ Rrrcrnrbpm;,nrun rtxlemjriiar ariiriude xp lo!&• a%Mrrf lfnrilc, e:,tindme/,Ji yt/rrrrt oral &mrBtirg rnrxnzstx. j. hu/yn•/ruU nrAe/ru• Ibzz cnrrrrllrrl in %lrc ,iknnfx'r+Gip Nerrmrle pmr;rwnr A;tk'rnlx'r>Lrp KrranrAprogmnr nxlemjviar ui%(fruNe am arh' Irr• nrkrmrt! In' r l{;dlrlr• frnlmanbr•ra. faox~G• trill ntN hr' jxrirl rrlx•n n tlenrlx%xtup Karrn,lrym~nmr rn k+n/,<rm aN%i~Gdr tiro' ixx,r nrrn,.(N%trl /n non{{f,?!dr ein;Lnranlxrr erred/nr nnrr-(rndnrrnrlx:n•. $. 1 xxa' urA' njylp In rii7:' 4:rk.~ rte rr:ri,knrlc. ~. R'ixlrtfilr/dC'rrllrl(.nrrT)llHltitllx'aenr(x•,vrrjl KrnrnrA/xn;,nrnr. inter/n(aeti{;arrrlriduejrkmrlnrr ~rrrhjntyxvl,'!i'Ix71 rL:'llr,•jJ lknrlxn'Gy, i+4ar+rnh(Nt;{~nrm nekNnJ4irur rtN%jiude. rmr,Jlx• .arburiNot iu arlni/tort lr, rkh9' l,ylri;,x! rknrnrrnr,:. ,if nr/nralrrl x•H~,' ill ]'k]t: S :1551JR~NC,E I'1wNn . Doscription of Coverage How the Buyers Ascurann; Flan Tittles. \k'hrn a fanbrtmhr charg„s tlm 1,ndr mst elf a m,ercxl plndua aiti Ito or her Cud Arxxu,r. the (Bence c as~uranm IUm, will eatenrl Uu k:m>r M lit uriyrrai mallufaGUrt+`s,cur:mh for a ixrird d tinm u!val to tll~ rhlmdat rr<iltc tliginat ntanufac[wir''s warranh, eqt m erne ackliticx,al,'inr, on arrrami4s d fist years cx ka~ d,ai am itigiblc in thi: I; S. How You Benetit • 'lit liu,ir Aesuralxx Plan mimxs manufan!nels' ivarrantiLS by antnNl pnxbats purch;Lm.1 ertimk with trnn ianlA.ralnt., up molt ackliurxlal urac • \Phen}rxtraxtiacdpmcltlnsm:muf:xiunrsaarrant,rnlxnxtix•liuc~s Aiamnta• flan rdR effLR.'11u itcr}rrs taclr:lna•. I`lal; cunt xA p:rr ux,re than the a<•hl:d :mxxlnt c'4talgctl ku trxtr i ;nt! f rr tl u Hem or $ itl.irQ :sitirlxwtr Is less tlxx In;xaxxi SStt.txp pv t.an6luml cr AaxxnN lit Ix,lira yt;v &n• uli rx,arrmnas mndritxvll. • t'mtx:lyrc is 1tnridnl Ir,r xn? plx.hrt nrcdutxiinn. ttifnh rx c4u!nalc anrrtxl In.'the IPnt6 of tl,e pltxiurt cxigil!al,tamultr {-(knlntxri'1- at tr, cx!r;c atst. • Pex ittm6 char};x! ta!timh' with Uu Cant, the pnytrem alltninnlr.Ikxaill Ikeirlc wixiltr m h:ix• Ilx• Ren, nluind rx n:ld:urxl, m m n9mhurx too tC611 nrcrtxhf-), nM to 1'.%(:LYYl the original plrch:6e lxkr. )lt Btner A~,truxt flan Mxs ncl rt9n>f,urv: f xsl,y,ping and handlingecp~,,rx w installadnn, asxcroMy; pn,ft~skwal ad,ix, maintcxruxx nralxv six,ia d,al}ys • tl'lun: Uu Itlw,al pn,pcth• cotsisis d anit:ks ir: a pair o• sc1, d,is Iblic} shall he liable F1x um: item itt Ilu pair ur sM ss4lidt Cum, flu b:5is uF daim IxxsxllxiLY • (;n pnxhxi ngistrnirx, ur n,ndinxml is r•rptirsl fo anrrmcrJ pnxhtgs. iluluding gifts purchasxt Fnrothcrs. Who is Covered 4ixl :ue antmd urxkt this flan and crntr:~;e mn,aiu. rd{ftstirr :re Mn{; as ,ot ;m• a I: S. HcsidLra t'anJnx•Inh•r, that is Ilx• Anxrican limn' s Cant has hn:n is~,tal k, rxl in ,sxv n:mx•. ;nxl,uu nu;iutain :+x!r Itmn:uxxtt Rc,i1k•Ixt:ailliin dx•><i fnixrl Vaks:iGSnxxica. the Ilisttictnf (idnn,hia. 14tnn liim nl' llu ! .S. 4~irgin Islalxh ' Frxx Itnna!tnt Itcsi,k=xc is cut6d~:krtd yrxu printan ;hcrl[in; pl<xc Key Terms to Know • ?inu•fLS,tiilnrgbcpaidif.nntlx•d;;x•=,<tkzzam;xr,rnllhzdaq•rd daim filing. nr o, du rk!te of vmak4beclaiat Ix,tnxnt; :up' anxxan Auc on terur (:alt) Aemtml61minid far ou or nxxc billing ncktst nr tour t:ard Antrum is au,adkxl.` • 1'cw must pnn•kk pmnf c1f pureh:ec :utcl satisixux}• prcxd c! fit nntxtd Qtxttnixuc wi,ik unemn: n ir. Lffcx m qualifp hx Ixax~Ls umler flu Btntx's A+~:u•alx,e Ptah. RcNlxxnlxv m kcclr ;dl yule Alncxican tapers cllalgc• m,i:grQ original slum rtxtipLC origin:d manu(arlurtxs ,varr:mties, and prtdt:c6 nxntiring mxlir. • Il.+xrpurcl,arrantxlclitiatalanimax,;rrturzhuxxkxlsvamnthaith a plrxlma ai,irh is rrtlxmvi:t eligi';rk mxkr tie Iknzrs A~tlralxr flan, and flu cumhinLd antinlty: pnxitkJ hr Ixrth fir caipn,al nntntf:xic!rcrs a':lrltlll(1' ;a,tl flu pnnilas!d QTi'kX' axlti;!Ct drxs Hirt L~ttilxt fnC',ti9t5, U,u, tlx~ pnxhlcr is cdigihk• fnrantratu:uxk:r the Ikntr's •lsalrl x>: I'Lln. )ik lit:ttx'S Aaumlxr Plall ai11 rtlextd t}h: a';Iminn' dirt 11LYiryl alxl mirnx cu+rrlgc d flu rrrighud manldarhlni s aarru,n,q, m otx arllitiry,al yrvaftLx lxdh IIx oritUuaL•mntlLxaumrs w;!Iran*rn,d the purd,;zstxl;<nia;nmtcxthaKCalaad ILhat~txtxxlp,lrchascan almncln ! sllnxs' Service Plan aitil a lxllrh 6L• fron.4ncnLan L.yrresc )lemh mksr: SLnitts, fire IAtt+rsAtalnu,a i ltn Hill :y,,9, I ium flu strvia pl to '6 in efk~a. if du axnbilxal tnt;r.yc of the Nt~'I test m:nnlfaclur•r's aurnulty ;uxl the pt:rdr:6nl anim axnma estrah firs: years Uun du prrxkxa Iwrcl,ascd'6 tat eligible m Idtr the liu}try :+.isumtta• Plan aril txt m,rxagc alydits. • If tent buy an :uklitiomel senkt mntrert rx an tatinctx! aarrunty For a computer, mnyxtkr mmpotxa,t rx part that almady moos aith an nrigin;d U 1. manufartumrs warrolh; unk~s sod, rcnc~agc h Ixlnlded front, and adnNnisarctxl In; the rvigxial manufur]nmr artmlgc mxka rim d:lt4r~ Ats±trnxr fMan fines lux :yx,h: Products Nnt Covered • pm!kxss Ixx h;ning nue„dacmmr' a•arraltti4s c;dkl in tlt l:S., • al tlm tint ref iuft,il9:, IL¢ti, rd,uilL_ rt9ilfiolxil cx n:n,anuFxu!lul itcsns; • pnxhul crnrml ht an tuuxxxlttional suisfad'x,n gw,ra:ucr. • mtavrcl cci,klls (stxi, as cars, Inuls, mntnna ks, bras, aiytialxs) and Uxtir pans, subjcc! a high role mnU,ttail,lc arar and icae or milrtgc stilxtlatia6 (cldtxih,g bar:crits, crfiuretrxs. illpeF, hr>ss, ;,ntrnt brakes, tins, nr muRias); • maaunidc;lasardthcirywrrtsa¢xlturagriadtum,l:uxk:apb,~ dLxlxllititx, nr nx6trtlaiar mxnrbcxl tksias and tlx9r pans ahiclt am prnn;umnt aiktitkx6 or • p>luns to a rtskitntial rx Ltlnutxrdal building: • ixM1Rx]S fialurrs. indttd'rtlt; trot nm limital to, aircaldidrrnLxs. xirgxlkxs. Ixnkxs: • lull rr huiklin~: • rxtsumai,korpLxhh:Uk•i2mtx • m,im;ltsoriitingplants, • rxx::><a kitxlpn.hxtsai,idlr.!nrrHlurtplaaxl: • ilnrnpt!»i1:6rvlGvas;rk;pmfi~sirxulluraunnxx,ialt:vt•: • i!41165,IIIrIIMk'1'IIL~taRltx91th11lingiCtaldlfirpr'pltmlrtx:dln,m .anrri;;m I:sprccs hkrdlatxlia• kleia~s):;uttl • nnxluctsaithn,anufaaltmn w:tern,ut'<,uraxn'rinrJmanufaMumr's ;vumnnxw and sx+iu nl:!n agrccnx~nl,: lastim; ill esrli. M fim yrhrs Dccurronces Not Covered • am•nlgsicald;un;t~,r:IClcxlirrcL•Ima~;ca:hnrlLSUitMnatuml diclvtel•,x :. ixna:r atr!;<•, i:zalx m the ratCat the nlanufatawrr's a7mantl' natiCrs d:mC!,K, ~: • fkamrrx•'corn,rxxl!x'an)'ofti,efulhrving:fruul;abtsc;tcaror Ilrntilitirs r>f ang kilxl te.g, imasial. r1U,elliun, insilrmction); mnf6ctxiou M• Hakes t1 atn grnentnxxri. public autlxviu•, ur cusin116 aRinai: liskc cr! Lw,lmlutxt; ilhvMl ;x ititp or;u'k. rulirxluhr ax,laminatira,: • nxr?xulic;d F!ilumaxcrtd tekkY pnrllxi rtC:III; • aliprcnmltce lhaltafzirl:xemttsilk•tire611yersAattruurt`m axerant c{kx:ti,c txxir.l. Haw ro File a Ciaim Rnnmdrtw.,rxl txrd In 1eRr'n alt;- (kauretxk~ i•nnx+liaeh. i!riuding that ha gtfls pum1,;6Ld ailh flu Canf. RLnxtnltr:dye.:ntl Ixrr1 m r•rtin ;r,ur rmi;xs, t1u oriynal tnamlF:xmmrs,ranann atld flu nn.kxi n~ airing rtp!ir until titclaim pnxt'R isoxlylk:tc•. Sea nu: aLa/ le tsluvl to dtutin a rLT;ur tslxnati • I. fall k=11~(nx+ t-tsOM1~'j-3?4l to ncxi(t rlsnt +r,urulaini fr»±xxnc, rsfl ndk:i:u 1-Stirl'3-trir~) Nac: !bu nurJ +trgM;r,rn• Juinr rrillrin •3ri rlrn'; fixrm !br• rjnlr nl fknrnrrraz ~.11m pmgmm adn,inouakvaill tltticl wlx4lur toha~t d,c i1 n, rLgrairtxl nr nydaasl, nr m mimhtrrst yttu (L:6h or cralirt ryr m Ux almtnt d,alyuJ to du tent alxl rat to c,axxl Ur original pnrti,ase pria.'11t I)uytis A~suratxt IMan clues rat n9mburse for sl,ipdng anti h:uxding ea}ruLxs rr irwallatirxt, aaxldtl, nrothcrscrvixd,al);cs.' Notes Yn jxnvnenl ur?i !x• mddr jar irrrnikl ckrinis nr fire%ms nd ,7rizt%im/krktl fir !!x'rarnrncT nrprLtxl bt• /lx' Irmr,tr: 1 kw nulst nsnm all rtxfurstzd dxtmuniatiun within ht dins fnn,1 Ut tkle~ d tk:almxt m Imnin eligible Fcx cusryr. a. fo rani: dalnA, tcel nxn M mp,irtd to s4nd in Ut dmnagecl prtxltxt, u Ylxif 1'.,141 L1; Fnr (txtlNY L1:Ihi:dltNt d yov claim. Notes ry nrpm%rl, iron nm.,i crmrl in tlfr dmm~Axr! jxtxkrd nrllirt .i4 rk1,'. s' limn !tr rjrrfi ref rcxirresl h+ n nxrrir .?nilx+rj,r rnrer,rw% Additional Information for You It ~ Ixyuiitc plrnirkxl uruka'tlulktserk A~urtnw flan a1q,h rxlh to unl a!xl;xiditinnal(:anhmmhtnontrxtrAcmtuu Onhr}ot:uxldxra•pclsals bace an: legal rx cxjuiklbk fight rtmxxh; nr ciaint In incumlue plnauh a,Nnrdamag>5 u:xlcl ~ ;Irisb,g fro1m flu 8nyer ~ Assurma• Platt. fubjaa In tlt km16 told mlufitiw611 fix: flan, if the t..anhlxrldur a ndifxd Uun anp aamatiir it:6 trldxl fo• a1n• rtasrz;l {stub :IS htnkmpryi: of dm mar;uL•Idurtr or bdtir trs7rxebk pant, the Btntrc Assttmrtm i'lan rill mntinue a provide antNagc, tx,t to ertttcxl of yru fmtn tlx: desk: flu Catdmen,ttr is IxxiFxxl of stxil art crtni.'fhe Canhntmhcr ma}' be ;6krxl m pmtide proof in tlm firm nt a puhlir arnuuntrmu,i 1x othty dTk.ial dnlma,Cltiun "11x• llutca As'a,nrxt Pl:m is undtmsrinext In':~,iI:Y Assumnx Gxrgtallj• i'b:altcr ). Ackniniskatia: trffac. Cncn It;rs, t\~LSax6in 71,isrkitmrnt a•Itts ody as a description d ancra~ and is tart a jnlin ar rn,tnrl rd inalruxx- tlx• xulal temp, cax)itiu!6 noel esclusku6 cl 14dtn attrh3 I°I'cawtir') ynem flu Ikntrs A~mmlxt• Plan 'Ihc I'ditx It:6 h •n isaled m alaxican i:sprcr<Tnud Rclakx151.ritcc t~,ntfsu!t, hr I"Anrric:m fsplt•~ 1,IluI$Ilk.ixrkkrTt,Lxtbrl[IlcelnRtl:h•,sallLalstintlrfNx i extii,tioas of l:.»rrage tar flee Ht:xx•+ Axsurc:,x !'tan. KLxnmth).Ci:d,Prtsrkxtl TinxAln•\fixl,an.5urna•Irv asiRXA~•surunaGxnnng AAIF\~SStlrerreConyrany h?I'• i)~t)I f. !rx ilwxvr rk~nGk rrn[1 grrr'niltr! in l6rr iternikas/ajr Heumrk jxrr~ranr, !('c entire <nd r{a rotiml pnwhni nmr rely, be jrrrcfbratllln»rrgtr rrsk«rrrhirr r. a:ilrvnlx'rslrq+i ltrxmrh p+niNrrm rrrknrjxirnr ttrtifinrlr. ~. !.'Held rriu:Mrrsrmer/rkxes mrf ryrfrlj• Po :Area )rn,k,Slnfe resirkm6. ,;. Frx•tlxa>ar~igrtslrnrrtEerrrdli+dsttbrr,l/anlx'rsbipRarnnd' pmgrrmt. jw:tmerrf ormxBrktiU rxd rnt,!rtllfie ai!{bral nsstAnrrxi rrdue c/'llx•rNersttnrrf/miwa{v meiczt!lbmndi rtrkmldion of n ,x)errrlxrsb~r Rimmtr/x+~riim reLemjpon arlifrrrde ryr to Jb« s%rNrx/limiJr. ctdxrlbr/;s+irgdrrgmrddrnrAirr;,,eV>erxrc• -/ lmjnrinni naA•for ~ eamikt~in fde,liernbrxs:bbyyr Rrxrmr5 jxrrlrrrm:.i,i)zmrdvrs6yi 17premrkpm;7rrmr mlarr(rriorr crriifiade mrr orrle bt' mrlroned Air•r0;~feGmbnerrrbrrrx HLm~h• roll nrY he jwr&!xhrrr n:tlanGrra'AIp 14sarm~' jnxr,{nrm rstkmr/Yan rerAftarlelxr &crr lyptrjferrksik rxnr-eli~i7ile frnhnmrhr'r+ mxl'a• rrar•GmlrncmLters i. lkxs nd rrpplY kr;Yryr )ixf SLeAC nrklrrrb. Description of Coverage Car kc„ud i,e: alxl thrrxtyc Irrwuatr~ prutidrs d,c Canknemlxr, if d,e r;;minxxl,ix+is tirprinr~rL+lt~ tatdtfined bdrµ) with ilturn.•,m anent}} Iix damtg4 to nrtfuft nE trot Itaual autos wi,en du Cartb,xmMr tLtilS tlu Cana {as rksaficrl bchxrt to nnrr, mxl par frn• an atnn reI1G1 from •1!n' (:anmcnkd i;tr Rend tonyrm ("Rental Canyrany") other than disc located ir: Atetndfa, trtlatxL isneJ. dal;; Jamain. and KL•k''LL•alatxl.' This anUr..gt• u aMyys EXCk:SS h~xr. Wha is Etigaile for Cweaage Sbu ate eligible ~r J I. SiruamalsasicrxArflhtionaECaahnendxKatul:utAlrlclicanF,splrss`' !'an1 nr taxinu' Canf b, axrtdira, Kith that Can! (the "('.art" I has 4cxx, isstkxt to ;,xl in trrttr name ,3. Ywtamnfanamruutstausm>ddasslhalupraidc,llarRrnLnll~ arxl Ihn,age haarance as a krdit d Canlmembersl,Ip r; fanbmxnlxr"): aad ;. }inuC:daaYxxlis5lkdfmmat!SnpLratingccnkrinU.S.ckrllars. a P4:RSrkvAl. ('1tN,D. Rcsvarkk FheGokl Canhttrnhrr aia b n,n,lhxl at ;u l ,rcnalitai fcaryLarmBLys; nniv~Y•nrgrulclatcsrltrxd in the I:nitnl Stales a1u1 i< reaniugsnxfrnl hendespra idol ys a Ix'Ix{it rd t'slnlntmlxrshRr c rx eligiife Furhr~ts wxkr this f'olio' "Cnlnnxrriul Car ReltdCompanr ar '(ar Rentai Crnylany" trx~at6 any mmnxrLtial car rtxttal a~,rvwilr~r rNnls Rndal Aukx.r ircx du purascs of this lk•scription dCavaAc. (-aktnrercial t'.ar Itcntal rbmpam• means "Rental hcxry,anr." How to Activate t;ovatage Crntxagc for d,dt d a rha,age m a Renal attm i :xanakzl aixa, tit t1ltkMxrduc` I. pnxnLs h6 rx ter chgibk C,;kd tkihe Re,L11(:nny,anr m rtstr,tthe RcstWl Auto, ln' rmekmg a texRSiiur. nr Ix• ptadng a Itdd or rieptsit at d,c tin,c the Bethel Arno s d out 3. dculirxs the ftdf tetlR~tx Gka~~;drLa or similar option ("L1riF'), cx pats frx a partiai n,l~iorr das>x~ aaher. !Iffcntxl by dx+Rattal Ctxnpant- i is tit plirrxrn m,tzt: rtwte hddeta!1 as the (artlmenthe, wi,n is natmxl un fix aminerl :raerarttrt alb ter Rtx,tal tcxnpunr as du pcxson rtxlting alxl Llking ~u»rrd mxllxrvL~nn d the Itudal anm (-I'rknan I:cxnlx j; atxl • 4 tLVS tlx• t'ald m jxa Gv the endre aum mlWl frtm :lu Rraltal C,rnpany at lit tittle ri rL}tirle ICkin. Crwcrlge ax,tintks itdfLCiwitilr the Canhrl4mtxr tenair6 in txttrild and Ixirx, d the Rend Auk,. k Caabxxnbcr, who is pMsicdh d,alkngrd alxl un:d,le m opereh the Rend Arlq mm h' dx• iiimaq• Renk,r if hrlslte o U,e ('ankrxnrbrr trdcaitrgu,m fire renal tral,sactia,. When Coverage TendkgRks Gntrege forthdt trier tMmeBe 6 the Rental Aum krlninates whet: • Uu Rnttal Gxty,arly nstarta oarmol o(tlu RettWl Aum, or 3d axlsmnivt• days aAer fire: Rend 4nrr was dxcktd nut, whidx•ver B carlk:r: • Um i'nlin• Bcx,ailel Length of Coverage G'tr RLx,tal trees and tkuoagA trtetsarrm anus digd,lc Rental Aums,eiten mnxd mx4v a wrilkn rettsi:,Iprxraelt fmin a Ita,lal Conyratn• for no mum than 3n cvrrsrrrldm clays. iWrh: M rm erm!.r•Mfl:netnp~GrpnN•irkt/rrlx•n!!x•!:•m(mennlx+• rrn;A'rr Hranrd.lrrk, lx~txrr/.~mrx¢c'xk'rr rkrtr Jrrwn 1/x•,errne Rrntn! r.'anr/xnn: repyrrrAns•rq rrlxdkTbrnrl~!rrrd rrmramml r rriimrkt! nr .r rnxr rr•ri/lerf crkrtxrmrrrFa envrrd inM, nr n une• rtdiirfe is rtarkrl. ArHitiu t;dlt•, ra arvrsa~ wiR be grotidld aixn Ilte Pdnwry Renter rtx,ts a Banal Auto fix rrxxe than ~artsxernix• ckns out d a 35-day period aid,in du stmt gcvgrapfuc rnadkNkraaorr t?i mile ndk6). What. is Covered Car Rental lo!¢ and i)arnag; Ittsrarls rtv,drursa a Carthnember for patx,xxm fa dantage b a thk9nlla F,enbi Altm that the Garth,xmtrr is rtyuileJ m makes ryr lathe leaerd: )) the actual cast ro repair the Rental .Auto, 2) des xixrllsrle Betlk vaYe minus salvage al ld depnciatim,acts, or 3) the purdtase fma&x pritrnF~e Rcnlal Atlm mim6 sah^agc and dc},roci:lUrx, nnac 11,eel+oo~ aio rrimhntsa the Cardlrlerdler for reasnnahk d,aga ttklaechaRgecnntrral at flu cMzstst Facility that am - ----1x13 670 5 7 13703- S~PFI--Page 6-- __ usu;d Sul tatskxnan• in tix ricinily in n'hidl the rate; nr diia111enxml Dwk place) imlxzaxl hp the Kental ('nnlp9p°. sl!dl as taring nr storalx:. Car Rtnlal IAR anJ Ilamage Inxu•alla axe n IM ntltrr hltc of ]fns. Pa• axalnpk, in Ux c1c7u W e t»llision innd+ing Ihr l;lnlmrmlkx'r's Htmtal Aum. Jmnagu to ar.}~ Whrr drirxYs ru~ a• the hljuly+tf anxalc or;ulything is ntu almnrl. lwxe: 7fds'/xilin'rkxl' Izn//nru~xle IirrDililr vrr~ri{a r:r 1 %rin+xrnrl .IL+/nr/.J.: Ixnr~h «rKln•nA1' lGi»kcn' (.»m/7rracrrinn Irnr•. Urs(bili/Y /xnrr f!slnu• or• <~lkv mamGrtcrlG«rvrnmrnl l~run•. What EXCESS Coverage Means Car RtyNal Ines old h:unagc tlt~uramx Is rn< IiSt'LC< inummce pian.'t11is ntrux th:lt this EXi: ESC ancnl}y: will ndmha!u• Ux• C;Inknonber mlk fix kxtxs/r;TpTt+cs na trptsxll b} fdam. ax:h ;u a parti;J mllisitx! d:ull::tt~ w'aitT, al?l'i'clson;ll ail(U Il t;ltr8ltT. C'nt11U?I7t;lilttl Ii1511r,II1R' Ix rc•imbl mXmxau plan .x odxr salrccs rtf insuranm.lCqusl Ilxrx alrr plans apple, a tanktxm'x•r !oral fin, xrk p;nerxnt or mimhnrstlltem 9tJ nxcl+r a JcttTnlina6tm based on the slake! v:mis rd slob Wher Plana that a?n Akll flans da IxJt praick m+cr:t•~ h'fae tha litiCl•:SC cAerng will rdmburst: the Cartlnxnlt><r. l/ehicles Not Cevered Car Ittsllal laps :ud ihntage !;txlruxs drxs na oat r Irmals nf. • uprlni4rr.?rs,:chldlmt.:uncarswith:moriltinal;nan,lhl~urtr sn1lUtisxd rtixil brim W Sin,tNYt nr nmrc wht11 nt'.r • cxntk ran n;,anikri d!xar a' Laluc, incbxling, hat Ixu limik+l kl, (:ix'rmka Cnnrtlc.l'ada;;upra, di:rnla R\-'. IhdLu• 4iirr a:rd Stt'alUl, Phalxxuh I'mlrk2 Mdsu'>ishi :it1IX1(tl: >;i,}:ul 3tN17\. lagll:n' \)S, .4,,ilm "~\, tir:mtlrv til, SIA. 5 tagx :uui 1{i,>!1 Coupr alxi i:tnnenihle. tiDilt' 11;.L,i :uxl8 erks. C:ulik•x: ilhm;< and ;dl Prnsix•, limlri. L•nn'i:nghiai,liasxrui.9siun \i:tr(il?, into.. Ihlga;ti. LiA+x'. Slrlln (7dln. • mlcks. per,-uln, clr„ro 4:nts, cuxnn 4.!:n. • hdl-siftdr:nRilxluJiug.hat.wllinria:,l;n.PvlJfumnlincnrrlul? 1Gasrcnl, Cheri Fan a'tilxm+n!r, G~:1C \iuxhna :nul Nall}, lhl}e tram Fixte and Itam \\~alron: • +?:I?icks witkh L•alr ixz:n ciukxninrl n( Intclifitd Imm the nnmtdaat?mrs fac?on'sptrifiratknn rcapt fro' dri+er's :usist9tm avnmxltt fix tlx; ph}sicalk chalks?gcJ: • +rlriclt'sl?scdfnrhireorrnnmlrri:dlulnxsts; • mini-vans trscd fixt~mnxrtill bir•: Note: "'rr r7/n»-firualiFiNlit>ra,;tiini~biors)rrrlbjnr.•tnn• yrxri!iarl.unl6te; c rprci(r r~('rv,rtlN/xnan~+r7s nr k'~, iutindhr,R, h:d nW /loci%rd tn. lTnr(,r: Crom.rur, i9rnxurllf h%;;el;,T•r' /%nrl N'in,L+im•rnul ;t'isuru jirreV. nrr cnrrrrrl rarx'» rr•nrnllnr/rcnsn:rrrl nr b;rsirn~e rare' n7+11•. • antiyixu-Irs.uilichnru?sc;u~that;xr~-}can-tdJtxhatrnothttal 111:1!1nhNailnYl fix 11'!a a )ax?R tLJIS, • lilnn+¢ints • full-siffvl qx,n nUliR sr'.?u ks i:uilulin~. last ntd Ixnitt,l In. C!Ir4mk:L'G~if, Sulp?dt:m.'1'ahre 91J Fuktnt PnrJ f gxditial, !:iambs P.:nig:nor. I N.ixa L~txi Cnuxt'. I,t'xas I,X i5f1, k:mR+• krnrr a' f:dl simd Prxll t4rnxr+. • Ran:":nilil•. s~ilicks whin Jrlxn "t1f-ICNxI' aml Notr. r imrrvna.pxn•Lrirb`lit/' at~hill'+'. I:zdUrL•`A~, 7 rrl rrrN IizzH![41 tr%, Fon!ligd«ra; kx}'r Chard (.hmfkrr•.:Vhkrrr 1'etiffnrd~r: %1,,+,tgrr Fern' h'ururw; Ghtrrd(il34r(T• rout hrrsr 7hmJ:cr card rLxkr urx' corrnrl rr'hc~r driar'n rrr(.ruxtlrrxul•. • raR'~nrad vtalidcs, nrolordrlts, mtgxsk, m:rwtialai lrhid•>:+, I,rUf nr mam•inxl tans, ~ylrrylelc. trailers aixt any rulmr rc!lirk Lehid? is nW a Itrval Auk,. Losses Not Covered Car strata/ Ina :uxi I>2ma,R Ulsumlxe tsars mN anrr kroxs c:uned M• rx apuriblllal In In' • tlxr;llirm W the Rental Aunt in vGlLrtkm W Ihr terms auJ ~xzrdilk,ns d rite Itla?rd Ctmll;anc agmelltenl(itxalxlingh!It mA limitlrf to Irnvs anlrtin>;wix•Ia: ;t fx•ISUO mA Ilemlitkd kl rgxrntc the nilide ptvntant dl temp rd the nrval agrtrrrrcnt was iu Ixn~c:`seu! nrrmtnd of flm+xd?k'k: nr, drirh?7; ihelchidr,mt:irk nfthe authnrinsl Irntal trrtitm. t: • kaaxi~rnnini~k-laelvthitls: • c1Ns allrihuktl u: Ihr t;bna!Ix:ni:d (far tielnal (:anpanl k nrN'Inal aaIIIX rat thing bllxi!xs+: • liit(iltl+pl:d daltlaj:'; • ilkrg d adhip•, itch :o Ies'<ts whrn• thr Itu!tal Antn+e:hs ustvl fa rx inrnhiJ in ilk'val adi?iy ur (ckpn': • pmt:xiaingan!ditiom,damag:(xJ({u t, • :dcohnl intox&:rtinn nn the pan of the dmtr. as tMilxd in the stair wixn: the Aa~itkslt alcumal: • +nluntarilrL!kinganydnlgnr:tctingurxkrtl•,cinilutnlmtxrdtutinfihat dmg (wll;_'a L•!kol as prcsrnlxd t~r:xlministtstxl try a 1>t7clta): • +rxrnnnililan:uaivity; • mdilrrlctirih; • lTltfi5(';IINNI IP;':lil?Itnrltl'; • wr;rr:u;dtc:tr.ilxl?xlinggr:plualtk1crirpation: • d:un:?grw{lick isdrx:andcxp<fin(dtofrttzing•nxtiflaniu-tloreklrilal hrtxtk(knel ax failum oaks; steh rktmalK• nods liipn a their tv4ertxl br thr Pectic}; • failure Uz moon kc+a k; tix Keld:d (:nmpanr whcl; tlx :chick: is ttokn: Ux~tt ordama,~ to unncuraf +rhr, ks: • tlxknfadamag•toUres(flahor),utll~damagedM•fin; malicYaus misdtMf, vardaftsnt ar slnkr• unless the las K adllddolt with and fnxn the same cake a other leas aprnrl h}• Ule 14der; and • df-nape gxratirpt rrf tlm txilick. tsar Rental Ifss and lhmar{• Imtuarxr tk;m nW amr. 9xl hc•Ixfi& will rat M IcW hx; • sales ut+ rclakd kn rtyrair tttd.•trrL•t~s. tnikss rt+ndlulsmxhu ri suit s:tks tas is nrplind b}• hoc • danlapt w any lxhick other th91 dx' kmL11 Alum, • tkmrng(• In :mr pnplrrh rxlxr than dlr knlLll Auto. rral ler's Imgx•n}; nr ittsrn at p:ml9xnU+• amx:hcd ntttr Kemal A11t0; • thrlnjun'Walrytplr(x:urrihillg • CAIx1lR5a$Illlxd.'d:I1LxYlrrilaidfUrh'thKenl:dCo;t>(~anrnri6 IILGInr. • espllnu raxrcal tr,' Ule C:nlnxndcr'.s pcrsa:al auxl iroulxr. rnt}du}rr ur vnpkntrs inalnr: tx :nttixxi?i•J dli+tT'.; in.tucr. • sdtx';xkkd LTx rxsimi~ar tan, unlus rSrrdlurscnxm otsllur Lc u laplind In bnv; • kn•; d IK'•fns innlttsld by Ox• Rmt11(:anp:m}: • Jiroinisilrx'ntdv:dtx; • rxn knllnl Una resod for hire nruxnllemial pugrxrs :md • rkpnxiation. unlc~s ir.•illdx:rnlrrnt for drpnrialioo is miuirtd bg Ira. Now ro file a Claim A I:ankrendxr meet nWitr the l;rr Koval ifbs :nd llam:tlg (7ailns Lnit tnlidnc at ! .`tlM6i ~} IL%ii in Ulu I: t +mh• a rdl 1 ~=tab-a ia- R)yn (min ales la•:nian+wxkiwirk•, wRbin 4,4lxnls nr s xnl? as Ira;al;Ihl•. IpncUJe lidkningakas ' A mlttsrn:ui+r wilt :unacr rn+ ytx9kx>c a fanhlx+nbtr trcn Ita+c aINI uiR il':Ml dx•(.arJnxmh(Y a dallll tr)n11 ++71h ilnhtl:,in;ls. rfmlplck: old siLTl tllc tiai!n fanl.lt'rittcm pouf of Itta. afiirlr ilrehltles thrdaim trmll :uul all ndxr mpxstnl lkctlnrntaiixt (toxd Ix•kxrl; nnsl Ix• rtxxi+trl n.lthin (ut Ja}s fWka+il;g Ilse dak• rsf tl>L d9rcagc tx Uud! M•. Anleriu'nn fq>nti Car Ri91t:J t/4U:Illd jlanlag(` l,L1itK thid. C/a t IlIB7I I'IOall('hll :4Jjls!log Canryun; I'b taxvti? ~. (]+~•hnl. (ltriu •ic Ibta'~). if tix pnxl !d ku~ ffid rdhr 11x1111xa1L'iFkpi 13 rxd nrxi+rd willlllt 611 da}y ix Lx• 1hIIC Of k?]ti, ulurl}~ nlay h: dotkd. Rcq;lind d1Cl1n1e11Lliial may uxtstst nF. hR is lxa li?nittd tu: • atrv;pledaldeanpktoldaimfoml; • an iklnitt+l atrair biR; • a o71n aFcharge slip far tM carol d Ute kerlt:d!411kJ, Kelllal Auto mlltmct a nladtinc gtxlemxxl rmipt M slake nmtal was dlargtd and pad fixailh an Nrll:ric-arl FagatYS Tank • a iv7litc nyppl (d:ygdsdlk); • Irlxtlc~rddu•rLmrat¢xlr~lirfr.dar:titlble; • aagnrlfdxl':Inirrxmh'is.;uo)xxvoldlncrswenytkptrsauln h141ra1xYap'ir1xC, rx:t Ixial{iy[I kakrsi:atfn, Iln IlntxallQ. • a aqn W all daim tknurxvlK axl rarcgxpldencc. pnla'ilkrl in' Ilx• t'ar Ronal ~ Angrl!lr; • a aqn d th• Itcntal Cw»parr•s uGlrratrm klg • a+gnnfdx•Jlisr'slia+niafdx•C:xrhnmdxr:nxVnrauUxrciaclJli+rr. unk+s thrlri+rr s liarta• ntmdxr,ltrn.s al I:x• n4aLd a;nltxstt • a(?!pM(Iftlp:wrlltnl11C7md:t'1,n~sn%lr,flrgl?;tlNllxttlc.tvhidl,kxlmmrh •aixrl Ulr Ronal :4tuolr;e dxrkrd (tu atxl:`itrlcd in::uaJ • infanxukllrptri:dninginMlxrataildd[•iaau:uxcarrirtgrlaj. Cartlmemhr eixgxvation with huxa mlaxd to their balcfis i; mplirrxL If all rtyuiral d(pumemation a nOt reached wRthin IKR d:Ir3 of the don: of leas {rsxpt fur d(xarmmCllion which has nM btxn fumisixd far Irasolu Ixynnd rile C,anirntrr~crs amatd), ur.crtg(• nlay he rknipl. Now Benefits are Paid .411(:ar Rottai ifm and ihlnagc Insmrana pal nuns reirobttrsahk: t9drr Ure prdicr arc pa}'able b the Canhlerlah;r, ratxpt that pa}alxnt m:n• be malk•, at the ditiCICt101a d the hnurcr. jointer to Ihr Canlmembcr alxl the ffamnrcrtial (:ar Rcntai Conp:anr whcll dlr Car Koval Gmlpany I?as not hxal rrinthursa! klr the tarred km a• damaLro, a the t:lrtbltrndxr toss not validly aaSiKnrJ itisrl?rr paymelas Ai Ux• Kclllat IAllrjlaltt' nr 9n' Wfrerpaf. Note lfrrn„il,. x•ill rrrx hrlxrkl iL nrr 11x• drrk n(ln', cur 1(x dale r~ t:4rfnr /elm;, or on r%.r'rGrh r/(prdtsrh(d dnim/>,n7rrent, our nnrnanl d«rmr,amrGml kmrnrfF./vdrGrrr»•im;rtierli.'(nnafhrl' Rights of flecovery !n Ulr colon W a pmnxnt ulxkr tha liAiry, the I:nnrer is uvi!Inl N all Itx• rights of lenlltn Ulat the Canimiallhtr, b aiwm paprxnt was m:uk, hs agalnst:ukAlx•r. shat Crnlntrnlhx rmtV sigh and Ikli4er to tlx' Imtlmr a:n' kcal pahrrs niatingm IL•:u rttmsn~, di w1laYrer tis< u Ila'c+clrr to heh,± th• hlsttmr cxerise tMae rights 9Hl Jrf nothing after loss k7 harm the hr-ants rights R•1>Ln a Ctdnxmber tx lmnmtrtial C1r Renal Canp:un' has ~eelt Irlid tlturlagus tmtkr I'olkv.~C(y2i. and also ItXDrnrs from another L'le anwtmt rt'aoW,•red fitxn the roller sil:di bu held br thlt fanlnxrnlxr a Crpmrxmial (:9 Kmial fanp:tlt5 111 II1K(forRlr Inslmr 91d n'1111hi1Betl !o dm csk:nt d the tlLAlnrtp9'llllrll. .4sa caltktbn pltrrJcmt kraneratic UleCanbrxanlxr K nzplinrl, a:xl L•as a dun• a hdk cx7optruk• with IM trtarn:r hr 91y imcsiigatirnls. all arw:dkxl m:ulcrs a ~1! par7atdiug hr panirhlgcr7pics cf hnr old all k:;al mxkxs anll aln :ud all statotx+us. inciutkngswm sl;litrtxyls anJ umtritpnbrg any W6a Ix?Ica arxl rkauntntc m m:tvtmthh' atiSist in tier d~llm{im (1 the k;„d mater. Notification of rapt Air 1Ytxm a Catdntenrber B smedtalasr~ 9d/or slunnlaa papas rclafing W a (':x Rental Loa ardl3amap~tivm, the t'artJnxmllxr must IxuUy (sce atWr~ ald phrxle mrarhtstrrrrer'Qams 4rubt•" scclim) arlrl prtnide alpi~ rf the urR orarrrnxm pgeab the Car Itclttal If>,a atd Rama¢ Claims l,'nit within ISd-a}s oflydltec it fanl:nanbrr is scrrr(t Pa1ulc b nnnplr ma+ rtwR indntWFrihal~ Additional Intortaatisat~r ~ IUts anxrtµ a tudnsPetert IIY A~ :';ttiutana• Cannpam• ("Irsurtr'1 through iltcnmlw; Prlpli• A~92S tdse `Ibltn'~) kslkd to •4naialn Izpnss 'Ila4c1 Ite•Inxd SunicesCea>tsatrx hre atd ils (KlnidllatingmMkliarits, afliliatts Sul liaatrers. The Rtkr mn ire dlangat or kmlinattaL 'Ihi, ikali}timl of Cfxrr~g aaairnprxLmt drxvlnrnt. !'Itetsc leap It in a ;tlfr pl.•w• NUxar~l A rk' <tUxs dr ~rese;tt ftxtn tl(in;um:ue as it txists at Un tune d priniklg. this dxvntca a rmt Utu Pnik}• w m,nma of itlsttmnce. llx bntt•fits tle~ailx3l kr ifusdCneen[ are subiect let all d the krnrs, a,ndiEalla and exhaions of the poiep issued M Ute wllkmri~ lhis tk>cwneln rcyhxrs am txir+r of Cai t•a~ older Urc Policy which nun' h:ltc baal funlatxd M dro r I'nsrstcrcu StxreGn' ARlf~:tounxtaC,nni 4dSI:X0.eurallaCfpnpvry &~:~}its? tnin)a) 1. Piu• lixrr c/r;r77lr nra•`nnrdhrlm AkTnGvrsbrj, karrrrYl.+.1/rr .+ir»Jlxnsl~ Itew;mdr ratdggpAorr mNrfr,Yrte 6• nv~ rnrrmr v /,me','rkr/onlp M fk+r4d; Wihr reulY! in lh• f:Y7ilrsl Slrrtra'r~' :l/77rritYf. 3. Rfit'7rrrsrdinr•7ajr:7rrirr>,rvi~a,itw7rlxn•17rpltermrrRrrrB•nydinn arfi/lur/k tGe(,rnAoAgAFa~!erkm/n! G»n/xrni(x are limdirl Gi N(+i>, :t'rrlmn,d enact 1Btx~ 3. 7 r!?tilflr rnrd aemFetsf raAYm&'rdrrp keunnb, mrtrugr rr rd+n rrciirrrlrrlrrlxrt Ale Grnbweuebrr (1)/msrrrlsn AfanbrnsJd/i A'errrrnh rafurytldr rsrA~lioatorx! (2) revs n .Hemb~yz I nrrrrrd' nahrrrpAwr rrN «/;ia7irra/xrlinG tbmmenir71 Car ldarlyd Cnm/7axt: Jm/rmiFnrl saiejor /MAr rrrrzdlcv! iu !!x AlrrnGvrsifgf RrnwrdcA9tftwlerfirji krrcttrrL(7xrk'm/;(it»r (rr9i/iuelr um nulr rk m~redtiM ettys7rle Cxmbnwnbe'rs. lAnrt~h mill nnl !x-/rcrir%rr•Am a .t{Nn/zrrf~-l~v+•mlk 7xdein/,ran a'Nrfiarte lxrs lxsnr tnur~'nrrl b xrafr3glDlk: Iirnlrnrnrbrrs mrrrYrn• rrorr- firnGncerdxrx a. Lkxs rxdYr/ph•!n Aim• !sx#:?iaF n5irli°nh. w.. ' F r~ , ~'~ Program DescigMfia- Rrnlm Prtutelinn ngtrs ;r7a gttslruaud pnxluci satisfaction on dcsi{plaYal ik+tu p!Irch:lsc(f mtimh•aidt an e~ibk;unurkan f•:splryc C.anl tf }ntr to lu artum a d(SiLntatecf itaa welkin 9D da}s Hunt t!ic dak, of purdlaxe and• the merchant wai I take k kueE, iimQirml F.xpn';s will mfund else full purchase grin:, upar$3iaTperl7etrr,o7rdudingsL•ipping alxl handling alit up b a Imcimlun of f Y,09Danrla111r pi:r Canbraardacr Aca7unt. Now to File a Ra9tn Piralection Request Olra: you hmc t that dhnrradtant will nW atxttrt dtc dtsignaled lean, call f-f9U(F~2y?.8614 o~pftsr 9g dati3 of tlu purdlasc J•ate to rrotifi' us Ilf ytwr rcxprea. R`atrin ~ Jaya fwlm the dale of ytmr initial pll, we ntwd to nrcti+>; the tolkrarirlg • ()rigllk1l SInIC M1'fRlpt • MxrkanF.ypecs(aJwmnidcharge • •41r Wlxr ikllts tkevrrL~le b• us b picas }our rc fittest Unm }our rtspkst ha bocce aBprored, run will be inslnlckzi m se:ld Ux: purchats) ixsll b usavfRit 3g'dass. I'kase kaga a rccrrd of }roar shipping sLltentav, :IS rotr was! rtcal to penride pnzof of shilpling in the es'cly Thal roar tksiglatcri ihaals am rbt arose!/. You arc• mymrtahk• far ltu: shipping :old ItanJlingrll:argis tar dtc dtm.lilt' ktdund - tqr ro $;U11 Ixv item and up to a matimum of 32,(!~perTbdnxlnher per w:;u -will !.r minrhnrsal N rw Limitariam IOutila•5s mlw bo trradp in dre Cn~ell SLntes and rhar~at in toll wl your Card A rcdurd aig not he paid X ~ the dak we nxehx }rftlr Rt4tlm Proketkxl Kapxst, aorr @te r6ledaullld-be pa}•ment, 9ry amount al lxxlr Carts ActauK Q pasE rhre Wane or nrore billing rack(s) or your Carl is catlmRcd Rotund[ are Ktrlabd b f3R0 per dtsignatod item, and ;:1,IX10 9umalk I>er f:artlbentberArromi The item must be in "like new" axditial (tmt risible taxdurlmam) and in Lwrking tlrtkr to be eligltk. Au tern B eliLabk if k racy atilt 6remaneti br rile (:lnkrltlllbrf to the nlcnda:ntt frrrna which kwxalipnlypllrcllaa;d..4nv terms purchasxd frcpn a nllxdrant slim hob an atahisslxd mturnlsatisfactan guamnme pmgrem which a grrebetl~or apral to tlac knns of RMlml I'nuceUon, and prati(ks ancra~ (a d'xiral• w•dl Ixx he eligible fray a ktmlrn I'mtatial l;c•fund. I'nxhxi It?Mdat6, discm~ Or nxmtry rtrxh+xd tnlm kaatst price romparism fxrgyams rig br~cttd tmm the original ca4 of rho item. ~Ilx maximum ~rluwi111tcerxgaaEaxd will nW rxactd the I11alrllf:lal:lef v 5'byjbNt &9hil plla,- ' --~~33 ~3sese--r/ h[stts nrrl digihlc hx a ndund am: animals and li+irg plank: nice-d'~a kill(I it{9115 11nrI11J111K arNl(ItxS, .!Ih:ntk, slat font; limitrl rditir;n i4ntiti; Roing•uuFd btuintr~ soh: ixans; ivntsumxhic or ILrtshabk ih••nts with limil(rl I;li y)ans (stu9r as I><duns. IiXhl hulixt non-ncii.ug.~hk haH+rirst; jt•.:clg IitidudinF;. but nor limiu•rl In larr Frans. pnsaxrc apnxs. nasals, and pc!ris); uatclxs hrn~ices:nxl arkhtiunal crtet. (such as install;nion chart •s, w:urmtir:s, xhipFrintw or mcsnlxrsitipsY, rtm :uaJ prtr„xis mins: a cal. alknd, rrbuilt :Hid aduliishcd in'ms: custntn~buih iksts. (riluL•o~ phnixs, p;igrrs: rrNnp;?ct d'rxs: Digital virkvt div..<: minnlixs, ;uiJinlalxs; rid(nt:yxs; rtimpnlrr:!dnvair; firmu'an: (sur:h ;n rgnok ga!iHS, Nlinenrlr). c(c.); morn: Mxiks d am kiml; health sire iu9ns {siirh as hlaal prtoam machines and diabele e(pripnunti, fnnnal vuac ticks! of :ms kind: mnmrirx'J vrhkics (stxh :a ors. irurks, iuotnrnrics, boats. a airplane) ;nxl tlx'ir party; lard anJ buildinF,'s; fir+smnc, ammunition; negotiable i;tdntmcnh (such :a p;»ntitsrrn• rxit(•s..C,amias and tncelcrs chtx'ti), ursh and its crlui+nlatt; a:xl itenn ptrm;xx'n11p a~su! v, home, cox, vxttitles, clc. {sttdt :n gsra~ rkarr rgriners. car alamn}. ff trot hoot am yuesth~ns icy,:trJing a kc5nm Picxcrtion R[gtxst tx the Rcutrn I'mUrtu)a png(mnr, plisise call our C.ustonx:r 4rtrc Ikpnracent al i ~t~trU-":97 ,x(rly ;. '_' ~l~.fl'EL'ACCII9F,N'I` )(N.4E}L4i4CF ~. 'AI~i;E'~';:'1_as4i7Rtv~{.(L.tiP.4W ,; 1. t#U?wt~rl~r~l'ii~77v~ QF9~i:t;, {~ ' { ' C`i111rFM l3~'~ ~f#~N:'~N '4 '` -~ 13L137/,Js'~•1SPiu7~_l1;'~()11t'1ni ~, ~ r: Description of Coverage Cuvenxl Ptxserdq: A Fx'ISrrii sil;lll is :t (LM1L•nrl Plsuli? un!kr;ix: ItlankY Pl;tska• (;nay) lidny A\rK?1R (Ike "Poles") only i(r I . Iw nr shy: is: a /'or$/rM1,1NXltrn'rarez•,alisirur.kkfittrNialt.animenilx•rwlwhas any rr(tltc fdlrnnnK tank rr the tak?t(kcl Inynx9n Att?xud dfirul fir. mnja»Cinn with any of dte fnllavinF;. isstxrl tr. A:txric:tn F:.pr'ss I'r:!:ri kdaxd S;:aiG•s C!N1y,;un; I»C Ur ICr iYdnlClfrahllg nllYkharKS i'Anxricm I:Srrta'} ii! hi, or her Harm: Anxra:vi I:yx('cs" kuranh frrt~l! t:anl,.Atlxri(•an I:spnar' I'tefenixl Ittsrank fnx9i ttitl. .An1[ricm i ~:prtwc° Ittsea:tk frrkl Psirtl, Aliiefh:m i?sprL•F' 1'mlietcJ 1?cltanh frrld tartl. Anx•iir,m F,ytno' ltmiixh. God. Arntn'K;m ::xpn~ ~ Cash Rv(tau C„~nl.;Urxrican ispr:ss' Gxnmuni!r liirdrx'~. :tintri;.tn i;aprr_tis' fnrli; t.inl. Anxtx~ait hzmtr:' luctrtnr::n dianaFS•nxnt,rtt•+xun fnl(I t~nl. Anxrit:ur fapnss` CctsVrr Ca>fi Itibatc Cmlit CatJ,'i1x• Airrerirm lispnss' Capri t:unl 1 GX:}: .~?a'riun P: y,ns` Gt;pn itiisi!xs loot Bank of IL•raaii fn+lil Ca);I Inxu Anx•dtnn Exprt9s. Bank. (d Ikn+.:ii Gt!kl Cnrli; r,;;nl (min :1?ru9icrn lxpn•tiw list I;ap• Catt1 Blue fix Rttsinccs fnxn Harlem i?;pn9s, ldix• for Sttxk•nb", latx: fmm .Ntxrrnt Faprax Iptsiitt'i t:ipiuil Lira: fitxtt 01'iin:'Dpt ;:Hall Busitxas Ken:,.xk "• Bi?sinss Gold Cani fnxn 01'FN:'IUe Stnati Ittrsines K(•hvrrr.`", ,Urceririn lisptx~" f!Kiiun 11auaSrc+lmiri Anxxnil fmni OPFty: 77ic Small Brnin(9s Nclt:rxk`". Bttsitx'SS.[knrlxr~»/,/(cvrtrrr/, Canl,.iincric.»t(xpr~ P,i:si!xs 1411. h;t,~ Attxrunt frcxn 01'fiA.'Iitc Snuill Blniitrss Nrlurxl;w, Ituytrllaxuis (rani, Contimutni Ond'aas Gnalit t:anl (mm Nturiuil i;spn~ fap(xafi Can1(mm (1I'Ph '11x: Small It! uirxys htian:i"' itxitxlinK fx:ginniug +o-itb atttxutt nun11><r 3% 11. Anurk~n l:s7rrtss` Rrnitu9>t t.tcit kr•hate Gml loon t)i'IT 'Dr! Small iitrsincss Ktri+uxk" i,a•prmh tiytar Carl fnxn til'l'\: 11x• Small 13rrsilx^a Ncpvak=", i R•Ita SksSliks^ Btnirx:xs Crtxlii tool from Oi'ICN.'i?x• Small IAtd!u~s Ndaur'w9, fnkl Irrlta SkcAlikc' IS.isimm Crtrlit Cant fmm nl'CN' 11u Sm;dl liu5int~~ 6tstsnritr', ladta Skrzlihs" CrrliE Ginl. Ikita ;ik \lil~` Opti:xu C:uJ. xm:rk:m i;>?nrntlreulixt lttwirxr C_•,rtl fNni (li'P•N:'1?'r Vnall BlKhlt.•S titswrrk".frill Aincrrt.;rn I:zpnit !'on(ulin fnclil t:arl, (;ufJ CaiJ. t'mkl ikit:r Skyllika' (.nJit t',nJ. fold `color tart, (eikl Spuk•itt Car.Ldkmrlansir$: %,4rrrart,•` irtdit Cartl frmn Arrxnican Ixprtss :Uronhc::dr£: Pcurrrrl,' (>Idxxui° Cndit l.aRl fi'!gn Artx:ricait l.sptr~, natiortal :hlCrytM F:cir9t!:is Crtxlit C,aiJ. (>Inim:i' C,airlMnunts, [Flrinta' Cash kcaarJs Caul Olxima' (',•nl(I C;nrt, tAitima' I'lathtnm Canl(gitintt` Phainum Cash I{ebax•Canl. Opti;ua` plaiuu,m Pnfrrml Curd i'eusaial Card. Ptasaud Clxrio: C,axi,1'crn+nal Senior C,anl I'rtxNial Vtxk{li Caul, I'Ialinuin t:asli ltchah• Cand.1'I:ninum ixha Skyl3iks" CnJit Carl I'latirum Slxq:liite C..ntlit C:ml inml Atrceri(ttn I:spres, SCuarxxl pnkrrist f oat Crolit t'anJ fivm •LneriCin liyxttss.'Du• Atlxriran I:spnati Grdf Cant, 17p: I'i(kiiry Aira'rican iisprt ts` Gnnl, 71•:e <xkiilF Annricttt FxF?n.¢" fold (;arl.'1?x liih+Nt I Illaipnti itl;xinttm Cnclil C1rtl form Umtrican I:a?Irtv, l3hinli;L'ilpxr $:1t'hrF.F li;iuk (itlkl (.IXJit (::11'rl fnNn Anx9iGlt1 !aprt~. Bingh:cnpri S:rinks li;uik Bttsitx~SS f..mtlii CaJ fnxn :ltrxnic;m iispn9.~'Dte ~sv „xk i;r!irks Canl fnxn Anrera;ru I'.spn~. 'nce Nta }irrk R;mF{:rs 1 rnl fngn.uncrkan i:xi?m~.'IUc Small iitni:x'+c fool from :ttxrp•an F.::p!=.+x or 1? i'br C?Nr; [)!dr 1x:,•1.11(;x•, a ifaeh irf ~el(Iitkgral C:!t(InltMirfxY NiM has a kt'xank i'Irn Gokt Caul t ~xpNae k+x?ants Ph c fr!kl Cani rr Ihccanaukxl p;oirx{n Actutunr)fitrcd in mnjunrinn whit ;iixl i~9tal M':Unrricm ;•:xprtas'I'nLl kelakrl Scr, itts l cgnpan}:Inc. nr its panicipraingsuhcidiarxs f'+titrruiran C>am9.i' I ht ir<ti nr lur Wools: a c lbr $Si)o,[x;rt a)ra~rr{>,><•, a liaSicar.Aiklitiatal (:inlmcnthr aim has a Platinum ('aaP, Pxkdi!y A»p:iirtn CaPrexs Platinum Canf`, An>^titaa iixpirxc"' htvrst!mstt ;da!t:q,•!s»n:t krrgini i'latin;i:n G•?rtl, Anxnicau titprtasikiaites platinum ('aril" Fran 01'FA:'t1x• Sinali RtairtcQ tv~nvrirk", I.tat<INalfin?m C,ant",.artx:ricun t'xlxt'cs !'hnimun 'rinarKitl Sritris i;rn11,1C IIN: I'I:ninu!n or dtc t~.iriitkd lrr;m:rti Axtxmtdf(nxf bt (rmltnt(iirxl wilt axi irsixd In• Utxrican Cspa»'fravxi kciaxrl timittx t nmixuty, Dx or its parlkhtating 9iltatliaries P~Anusic:m I:zpn~') is hu nr hu n;»itr un a Platinum Carl katnml ur J. 1•or ! !. 5(XL(KXJ rrrm r, a Ii;cic nr Arklitiau;l t;irhixsnlxr who hoc a renturinri Card azrxrican Papn•ci` 0tuiix9s t:enn!rirNt (:;:nP' fmnt nr'I:F~ 7?x Smx019cints Netnwk'" nr the euc:rrltxl }xt:9rtent Aarxuu nRiard in agtjtiia:ttiat wilt sal kstxxi by Airarican fipmss 'fr•tel kelaad Srnias f_mtpimv, h1c. ur firs parlicq)adng stlhsidiarics (".Anxiic:m I:xixtss') in his nr her Warne at a tAnturiat Cant Amattnt; or e. dtesjaux;,pancstkPupxrnrtlepenJcsttdtikttt!tclera}Y;Z;[dany digdik perxxt (tauibcd in la). {h}, (c), (J) ;rlxnt and 2. ha a' kr Pemiaixaii kc4h:xc is in tllc 561;nital SLtics d!xtusica. District dCdumlda. l4trxrt kim, m 1!.S. tirgin Isl;ntd;. Definitions karhttt' uixsu^v,x trsrel in thkc ILlic nnsu>s an wx57xrxxl tsnrt a•itidt torus Injnn• oral shall also iitchxtl egxnun+asuhing form a mf+hap un u (:annxxt Canna ('Wort: ana• in aitpit dh Crhpnrl It'tsnn is Vi±rrling "~kGliai J t'„•trJnx•ntbcK nx:xt,:a,+ indn'id:rd s:iin hs, rtcrie,l an 4naai(,it. r:.,pnxs Cant at rlx- rtgm~a .d a Basic C•nchn mlgr f tr tw: in itN71xt.1hNt wldl dN' ft;lnl; C~anlo N::I11NY`$Airkrlrnn I'%i)n\'~ Cant '+1'p)1:111 v»erwm: I tprus t:rnl'sh,tk n:rui. u:!nx~n+,hrr.+ix slxri(inl. sit! :,! the t.:nkur.travt:atilislc•J.dwie»mh•rrr tort! rots 'ft{4c C.aidnxsulx•r IIp"na.trlV nnliu I IeI x' 4;o J, rl >:urn:w„ ~:zyn'.wtoisaxrax•arnx)it4itxn;;m sitns.tenl:. nrdwh„uas•i;: Utxric,m !•.yxcs: Cant kxtan± 'Gmmior, tan e•r t'amr; a:tm" trceaiu ,m ,.fir.', nil or a stet tch!rk roller Than ;r nnUU iaxsxxd ar arty p:n'aatgts fix hoe and a+;rilahle in the publ~ A trip a x "Cmraisl7}gi' if I it B a trip Luken by ills Caeml Person ht9ttsxn the print d dcinirhin: and dte final dtsCinatioti as shtxsn tNt tlx Cuac:mcl 1'tnsonS tkket ur :trifa:itext irnxtl )h the Cnmmat f-artier f atae};tna: anJ 2 the [inrrcrl Ptrvrn's m6n: foie for axh trip at Iluit GP.1lmtxi Gtrcitr Cwxanrrtt hits bent :xrialh thar~d to a Cxcifx Antrsica» I:xpr~ r:arJ.kt7untt prim m am- hijnry. "ibntalk I'amur' mtazrc a prsnti td thy: saute or rgyxtsiM;terxkr sltn nxcl:llte kJkiuir,; n:piirimatts: I h~sdrarularesnMxLaMh!!xR:nicaknlitKAtalCanlm+mberkxtlx ka i~ nxxnin oral pbrits h cnirinae ddng sn: ~ is:xd nxtrtxcl x7 any rRherpeistar :nxl rc not [rmnniktcl in;rxxhtr liretx~ur I'amxr, 3 is at Ir:ot Irt ]cars c)kl; i E ipa niami at tlx Bash tr.klJitiuital CatJitunilxr M boast clrrxr than xtxtkl I ,ts martfaF~: Ixr stare tat: and S. is finaixiidly iitp'ir47)~trkrd with the Basic ur kiJitional Cudirx:»thr a:x1 dr.•imxnhiiim d mtdual Iir11!M.INI QyTtKNi salt a5 Wpla 01 jdlll Ixaix~ rnvncrsltin a IGUC, cmtnxNt brutk urrxmrs, aulit nrls ur imi51n1t•ttis CAi IresuFtpii(d °611ury" mcut<tiaklr'hiiuryuitich: I if CaniM1l h)' an Acckk7ltwitlCll nCCllis mike dN' l:btixod l'etsods pntiraira ~ in forts mxlerilr Poky; slat ~. nx!dk in I~ buttral hr die Pdics and 3 matesalx>sJtc•Jirecihatd'nxk?x9tJrsttlydalldhercaucx,toaxh asidutld bnJih' injun: `it9marc9lt Itecirlerkx" iilC:im the tbttaal i'c9vxt'sniu primarvJaelliitg pLxe, aix9r fife C[weiEil I'easmt lumrutntk msitl(s Benefit Amourts p• n (xor~'r~ [inrLnr:nhtsdayr. !fx• LrrrtotrUSaxnr hill m r•%ee u Ix:r~! ItriY r3rFl[Xl.rrrk) - JlYtrXrO-#5lNd(XNl- flSt>r{[Yr[i rkgxurGrtq vrr Ifx~ hfk• rrJ,warn ue ;Squrr f rr,l.ittrnnr! rrvrlln t(a+r.t'rlix• (;,nrrrrnr (.'unzrri:itrr~r.':'u~(rtrr(rnv(t•[•ixrrnl~r;:' 1$wt.•njrr'fr,r;• fnnrrad Personsxrlr.rrr rir lirirlkvri)Ai!rt .r/ rturrr{;r•. !(urr urr.Nil( urxrmt uixrl lxorrt<t/%ti r~ftixrrri>,x',rl~ilrrwn ~tun•,Inrrtninr /ian£xr (<tnt j><ttr.~r Wort rr/ [!q: Crcagnrr ktt•ice t:~~ukr;cal-fim rurrr.?ire' lidrrl un la•hrct r;( nrur Gutl, rotor dxarrr rnr rr•n' fiutl ~ukmtra r its d!i(r. $IIX),IXN) $'25(1,(X1(1 Ikvnrnnta'r;rmr/ Gmdbxhharctsurbothfix4 $lfq,d(X} $25(itXp i,sdaxbandmxlurtefoo( £I(A,t](q $25U,(XXr I,ass(daniresi}£ndbndteyrs $Ii10,IXX) $25U,IXlt) loss d mtirc sF~it d ale (yc arxlaraharidrxatefrex ,fl(q.t)tl!) $25pttp(I t.mdax'hanJrrcrxcefnat 35o,1SX} $1:5,(X10 ismdattiicsightdacerye S50,IXp $125,(X10 ' r ! lnssdiik 35tX1.iX7U £I:5(X!,tXp lh,nrrndx~rrmaN Irnsdhrhhazx-snrtnlhkn 35(X).fX1U $1;5tX1.tXp Irr.•s d m>i L•anJ oral me kxr 35(t(i.(XNr $F VXt,tXp Lnrdt9n;n•VF~ttdhlhna <5ikl,Ofp it.itXt,IXXJ Its d atsitr sight d ax• cc atFlrAt(•IL1nlllrNpx'kpll $itttl,tXX) $I,St10,tXXi irtssd lap: hair) Or rxN'fait $35ti,(XN) $'SO,t.'O(1 !ttc;driGrc•siF;)udatrne $25(i.IXXI $ jtt,(X10 .l,u;s' as turd shirrs txidr refetereie b laid or foot ntearts carlplele and pcmtaicetrt err:rartoe dtrotrpJi a Mme the wrist a aiilcle joint, and rrs trs<d with m&?rettQ ha nc tararts the irnKxrtt;rabte loss d tltc entire siXln rd siceh ere 5100,000 - 5256 ~ - ~~ - j~,50g,0pp Maximum IrrdsrsselM par C~eoad Person !n rat tstrn ufll nxthipile 1Ncerirari F~ Caids tlrligain ds tatgtalp' W p.•n• fur moor than refit kctssmrdMdCX atg Dtxi irxlividual fmmxl Person ;rs a rsult d am ace Attdutt: The [aatprn's ubligatial un~r the f'dity will be Jelutnituil attax3i~ b ills fti5la9>riiwnt payabi under the sixcific.Mterinn I]7irts fja(at~e mtd b charge the Cmunon Gads Caltzyazxc (are far the Cnx9edTripsatsrd in tl>c)bicflt Atriamfi In nn einn wi0 a tasfmm an 6ijrsv tdrlle mrurage is in roe under the Polio AXt)94B rihBgsedie fstepairy b pay lu'ttdtts wale Policy `XIy~i9. the C.argram'sBrairtes 7FaR1 kxidrnt [risurazice Polio, in addition a one 6erxfits papaliie br gtc Conpi;mv uttdx the Polity AY09ri3.7bc American F~prrss ~ ~ axle tha pnliti do tail rt~a: tarierige urrter Pt~eq A1~9ri~ Accidental Dsatlt sad fiistttrwbarment BaoefR llte Catga9ny will par dte appMr~leiatdk amount as ckgmtitto- fnNn the Tahk d I.r~ Ba CugeJ ppieaesri6s a Irr.¢ fran xn Injury uilik exivrrakc rc in ham uixkr the 1'ttbcr_ h8 aJr if uic11 Ias moo within l IXt dais after tlm date <dda 4aitk-it wtiifr ~raat die lujtrre kuxfia will he pail f r ilre yrtlxy Ins In rx) ar~nEu id die t,rarllztnc fro fur Ware than n:p~ Inss stMaiixsf by die fac'rttl r't¢pv,n a<il1e :tax:k d a?n mx Aai:k9t(. Description of Besrfits (bmmmt Canter ltesel8c 77te ~tielil is ixnr!blc it tle (:mLncl ItirSat 5ttst::itxs Injury':ea tnith don Acv~e aiticit txrtits witilc ri&rtgsddr as air;nx•!i•rr in. ur baudiitg rx"alf~'a;~iom tK iating stnxk iA' a Cotlunar Carrier Crxnt•y;tr?a tired w a (k+rmd lYip Exposure sod Disappeaasce I(Ihe (:atnd I it intaruidafiknposal Iu the tdtmeits ixtazse d an :5raid(art at a finned Tripwtiidt iesidti: in dx' disaplx:inrotr, sinting a wt(rkfig d the r~mtat Grtitrfareerttm, and iF as a tesii dsirdl ca7xstite, the Ganetl lRrsatat>Raa f.~tor whkit hetiedaare dheawire Igtyabk urxks the Pofx~such Lr~tx~ (re tasrmd midtr the Paliw. iF tlx G,vrml I'asxt Deus tie~axdazi Aaidcrd at a (:ouam'itip uiiiclt restds In du r~rpcarsia4adigrrut~ingddcGmmat Gorier tnmsvatin; and ddre faXatd PLrsorPs hodr has nalteen fnual aitllin 5? orals afar dir dxc dsrdt AiaiJenL it will he pnmtmed sultjoct kr Oxn• h(•ing m aidtatoc b the r» dttt the (:(xend iYas>ti sulfiml ifss d ills ;rs a nwtB d tnjtury roi~atl Irr tlx: Prdin: Covenige gegsintnesN A Cuwml i'i:isitrtuid be Grlr iroraedErta3xfits mt(k'r lfa; Polio uirik Cikin~ a irgt rn a Camtai iairterCmrcrarrcearh rdxn dx• tam Iran ixcm diarF,md u:lire spuiBe Arneiicai, FsRos cart{ ry~iif~y' ~~;~ will nmain in elks a kNq; a tie drJ;~r des C.tia2rnl 1'asm 6 met Premiums 'Die pmiuimn 6s thicau+er~ a pamlik 6v Anceiicair F:Xpress Exclusions 'Otis Rdkr rkXS me atu ary tamataed ormmribtttal b br (1} inkntionafly aelf+ii~d injiak wEi~a am' atkarip fmm. sluts sane (2) tears a!ty art duvtdudcsed a art tsoaryq azn• ad commiatd by an aptntdam pao:rmasit, ppaath; nr faction etgaged in w.v, hnstilitics, aMhvuarKlret~jermimspiorital suit ~ptt s attin•, scrndy aid not fn opn.'tayiai e~ranr opealim d annal kroa (udx:tliQ military, nm:tl a air ttxott) io the c9utwyt~ des: htiun omits sln0 tort tic danxd an act duo (3t litplAl• bviidt amntiihuaxy rasae trrs the mmmisYxi day atttariptp tmmXZan iltgd as by or m itehaBd tlx Cracsttl Prssun a hicAicrbertaiicbier, (43 bijw• rtwixd xir7c seeing as ant!(xrerr trcmw mcaihsdais cXeta±stor. (5} Injury mairal uhi~ (biting, rplirtg a a parar~Fr fn; t+osniip ar aligittirlg firrni a ie11171 pldln~C; nr p') sid.rtc~, ph>3iral irr nattUpiiieatik prt$'jt:uxv rx am• m(ctirul or uuxical tnrunrnt 6xstxtir»ididar~ tei~a tmrtnunt?dtlx• Wrxliinnt is ncptinJ ;s tlw Jtnct rrsrdt des amrat Injitn: Beneficiary A 0asic G9rckrpardrtr may desiptale a txndreian rx diange a picriousH ilaipxtprl bridit~an' for hiiiuelF'Iresclf anJ hisllxr Slxxa'/Uorr!atic t'aNx3 azal Jtitnxtox dtifdrett ribae not also ISxsic a AdJfilarlal Cartlmentbt~ M 4Jiitiorad CaatR+siter niay daigtate a bndidary fa hiirts!.4fflterse2 sort hislhcspansdDtirra0t• 1'atoNr anJ depndmt children udro aa? not also Boric irAdidotral Cardntcndxss or slx!tta•JI}rmmsdc• Parbxrs a ribpcrdett ddldmt of Bastl• laadninri~rs. fio praaxu udxr tigtt drox sra7ett aide mar deugrule m titartge a pm+iatsly cksigtatud bnxiioary 1'asrclttttipueiott [xdlange b LxmiteetfeMhe, a uritk'n ngtxst m a farm Gttt¢at~r b the Cnmp:utt; tmXa be Bkd wilt yixriptn f:s7xts&. Stilt dsigtadon adwtq; 51ra0 take eHttl as d tlx dnp; it use siqud ln• the desigtiaiospwidnd that R has hmi recrh=e(I hp' Am(riran Fxpns, lira arg pnwimttdpromsic made br tM Ctooipam% prior to ncctipt dwdi d(siptatiriip ddmige sha0 folk durharge the GNnlxlm• N flat n~rtt dsd} plt~t Claims Notice ddaim mtat be picm b kit~'C Asatrrnce taiyraztf flairi>s Atlmi: iistntite Ofioc• 1't-B~x 190tH, Great FLa~ W'I 5.1301-901A within l0 dxs after the uatirrarrae a mnrnnmiaa of am fns (aatnd try dtc !'olici, nr as s»rxt thiaGdtr as s iesaialdcprisiblc. Notitx gipar by a un behalf d the tiaasala rn the Gx~mr at fie Mininslraivx: (iBae ar m any audtorYmd agent dthe P-oagxax, olio 6damiadat su6xiari b ideiudy Cie Coveted I'aSfP.i Shad be tfe0ttiaf•rd+'L i0 die Gxripariy __ v13 670650 8/29/03 7:52 AM Page 8 Payment of Claims &~rxf la (nr I~ o(I.itr-ni a t'rntrctl I'cK52rn Hill lx• paid la tlx• :ksiKnatetl hetufician Iicitclits ktr all other IixseK susLaiixd M~ a (:mcr<,1 I'ersext xill h; pekl to the (%14CtC(I I'efA)n, It lll'Inl„ Mlttn11.5e W tlx: rksign;gcd ixar~x tam. tF ntnm than rox; huxfirian• Le rkwignxuxt alit the txrt+fiuarus' mslxrtiw inte+v5te am not slxcifxel. dte Jcsiplalal hcitcliclaries shall share cq.+allp. 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JFf'ta /)/ COfBIYtSBlrJN)11(:+ /rJ IYNR': Upc9`/iirii is ynrss Gntl, J>((YLrE' ('017/ri('( /iK' l.17.'/0J17H' Si'17R2' ~t'!!(1' i/,4I-J<YT' tftfilrik'f 1ANK1 JIl !Lr t+!rck of trxm Batt, /rl.~ r~xt~n :x(tmn• frudslale(ncn(l. ~ ~ ?003 Airx:rican Fapmce SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff F1LEC '; E~ ) Jod S Smith ~a~,tltr cf ~ru~b~c!$;~~r ?~f~`~ (~ `'`~ ~ ~:~Y Chief Deputy ~ ~ > ~~ . ~ t (~ ~ ~ f `~ p a , ~'1,~~lyr ~?~.~OfE1 ~Lic`~ I ! i I'~ ~' l'}'3 Richard W Stewart ~~ ~ ~~ Solicitor t,~r=i~E c~F rr,g s»eR)GaLPJ~-- ( ' i+"\,'~}'~yr American Express Centurion Bank Case Number vs. Margaret Drago 2010-3841 SHERIFF'S RETURN OF SERVICE 06/14/2010 08:10 PM -Noah Cline, Deputy Sheriff, who being duly sworn according to law, states that on June 14, 2010 at 2010 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Margaret Drago, by making known unto herself personally, at 15 Shag Bark Lane, Carlisle, Cumberland County, Pennsylvania 17015 its contents and at the same time handing to her personally the said true and correct copy of the same. .~ NOAH CLINE, DEPUTY SHERIFF COST: $33.40 June 16, 2010 SO ANSWERS, RON R ANDERSON, SHERIFF (c) CountySuite Sheriff. Teloosoft, Inc. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION AMERICAN EXPRESS CENTURION BANK, Plaintiff(s) v. MARGARET DRAGO, Defendant(s) Docket No.: 10-3841 Civil PRELIMINARY OBJECTIONS TO COMPLAINT Filed on Behalf of Defendant, ~ a Counsel: d ~ The J. Murphy Firm ~ ~ 210 Grant Street, #301 ~ Pittsburgh, PA. 15219 (412)521-2000 " +~:- Ashley M. Derr, Esquire Pa. Supreme Court I.D. 306604 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION AMERICAN EXPRESS CENTURION BANK, Plaintiff(s) Docket No.: 10-3841 Civil v. MARGARET DRAGO, Defendant(s) CERTIFICATE OF SERVICE I, Ashley M. Derr, counsel for the Defendant in the above captioned matter, do solemnly swear that the foregoing PRELIMINARY OBJECTIONS TO COMPLAINT BR FIN SUPPORT OF PRELIMINARY OBJECTIONS TO COMPLAINT MOTION/REQUEST/PRAECIPIE FOR ARGUMENT were delivered by First Class, U.S. Mail, Postage Pre-Paid to the Below: Michael Ratchford Edwin A. Abrahamsen & Associates 1729 Pittston Avenue Scranton, Pa. 18505 Resp ctfully Submitted, A ley M. D rr Thursday, June 17, 2010 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION AMERICAN EXPRESS CENTURION BANK, Plaintiff(s) Docket No.: 10-3841 Civil v. MARGARET DRAGO, Defendant(s) PRELIMINARY 067ECTIONS TO COMPLAINT j Now comes the Defendant, by and through counsel, the J. Murphy Firm, and Ashley M. Derr, Esquire and bring(s) and file(s) the within Preliminary Objections to Complaint, averring in support thereof as follows: 0B.7ECTIONS TO CONTRACT CLAIMS 1. The Complaint references a credit agreement or contract. 2. No averment is made as to whether said agreement is oral, or written. 3. The foregoing amounts to a violation of Pa. R.C.P. §1019(h), as ', i amended, which requires that, "When any claim or defense is ~! based upon an agreement, the pleading shall state specifically if the ~I agreement is oral or written." 4. Accordingly, the Complaint is the proper subject of preliminary ', objections pursuant to Pa. R.C.P. 1028(a)(2) for violation of rule of I court 1019(h). !, 5. Although the Complaint references a credit agreement or contract, no copy of the agreement or contract is attached thereto. 6. The foregoing amounts to a violation of PA. R.C.P. §1019(1). 7. Accordingly, the Complaint is the proper subject of preliminary objections pursuant to Pa. R.C.P. §1028(a)(2) for failure to conform to Rule of Court 1019(1). 1:~1=3~1~~1 ~ ~[~I-1;~ ~~ i<:T ~~I ~ ~ X31 It~l'~`I_l~~ ~1 ~•t~l:(~1~~ 1 ~~ ~I ~ ~[~I X1117 8. Pa. R.C.P. 1019(f) requires, inter alia, that items of special damage be pled with specificity. 9. In the context of a credit card case, items of special damage, which are to be specifically pled, include the dates and amounts of charges, fees, fines, interest, and the like. 10. In the context of a credit card case, the requirements of 1019(f) are normally met by attaching copies of an un-interrupted chain of credit card statements, starting with a zero balance and ending with a statement. showing the amount sought in the complaint. 11. It is respectfully submitted that the neither the Complaint, nor the documents attached thereto, specifically plead the items of special damage underlying the case. 12. This renders the Complaint the proper subject of preliminary objections, pursuant to Pa. R.C.P. 1028(a)(2), for failure to conform to Rule of Court 1019(f), and the proper subject of preliminary objections, pursuant to Pa.R.C.P. 1028(a)(3) for insufficient specificity. OBJECTIONS TO VERIFICATION 13. The Complaint is verified by counsel. 14. A verification by counsel can be appropriate only if same complies with Pa. R.C.P. 1024(c). 15. Said verification does not comply with Pa. R.C.P. §1024(c). 16. Accordingly, the Complaint is the proper subject of preliminary objections, pursuant to Pa. R.C.P. 1028(a)(2) for failure to comply with Rule 1024(c). WHEREFORE, Defendant respectfully prays that the Complaint filed by the Plaintiff be dismissed with prejudice, or, in the alternative that the complaint be stricken, and the Plaintiff be required to plead over in accord with the Rules of Court. Respe ully Submi ed Ashle M. Derr CA~AI.- r.~,~~ PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for the next Argument Court.) CAPTION OF CASE (enflre caption nrusf be sfafed in full) AMERICAN EXPRESS CENTURION BANK vs. n MARGARET DRAGO No. 10-3841 1. State matter to be argued (i.e., plaintiffs motion for new trim, defendant's demurrer complaint, etc.): Defendant's Preliminary Objections 2. Identify all counsel who will argue cases: Mi~c)hae~' ~ntc~iford, Esquire 120 North Keyser Avenue(Name and Address) Scranton Pa 18504 (b) for defendants: _ Ashley M Derr, Esquire 210 Grant St, Suite 301 (Name and Address) Pittsburgh, Pa 15219 3. 1 will notify all parties in writing within two days that this case has been listed for argument. 4. Defendant ~~ ~ Attorney for Date: INSTRUCTIONS: 1. Two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 12 days prior to argument. 3. The responding party shall file their brief 5 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) after the case is resisted. a x Ai .~ -Q 3 M Achl~~ M_ n~r,F.sni~ire Print your name IN THE COURT OF COMMON PLEAS OF N CUMBERLAND COUNTY, PENNSYLVANIA ~ ° `'- ~~' ~ ~ S ~, AMERICAN EXPRESS CENTURION ~' ~r rn BANK, ~ t{., ~ , ~ ~, CIVIL ACTION ~~ ~ _~ _r ''f~ ~~ Plaintiff ~ ~' v. ~ -~ MARGARET DRAGO, NO. 2010-3841 Defendant PLAINTIFF'S RESPONSE TO DEFENDANT'S PRELIMINARY OBJECTIONS Plaintiff, American Express Centurion Bank, by and through its attorneys, Edwin A. Abrahamsen & Associates, P.C., files its Response to Defendant's Preliminary Objections as follows: 1. - 16. Denied. The allegations of Defendant's Preliminary Objections are conclusions of law, which are deemed denied. To the extent a further response is deemed necessary, Plaintiff denies that its Complaint fails to satisfy the Pennsylvania Rules of Civil Procedure in any manner, and particularly not as alleged by the Defendant. To the contrary, Plaintiff set forth with particularity the allegations against the Defendant and attached the Cardmember Agreement, upon which the cause of action is based. Additionally, Plaintiff denies that the Complaint is deficient in any manner, and particularly not as alleged by Defendant. To the contrary, Plaintiff set forth with particularity the amount owed, the date the account became delinquent and Plaintiff s right to collect the debt. Such allegations satisfy the Plaintiff's pleading burden. S~ Opinions of Honorable Terrance Nealon in Commonwealth Financial Systems, Inc. v. Michelle Barnard, Lackawanna County C.C.P. Civil Action, attached hereto as Exhibit "A "; The Honorable Hiram Carpenter in American Express v. Josephine Peyton, Blair County C.C.P. Civil Action attached hereto as Exhibit "B "; and The Honorable David C. Klementik in Commonwealth Financial Systems, Inc. v. Jenni er L. Reepin ,Somerset Cout C.C.P. Civil Action, attached hereto as Exhibit "C" WHEREFORE, Plaintiff respectfully requests this Honorable Court to deny the Defendant's Preliminary Objections and award counsel fees and such other relief as the court deems just and appropriate. Respectfully submitted, BY: _ E win A. Abraham ssociates, P.C. Michael F. Ratchford, Esquire Kevin J. Cummings, Esquire Attorney I.D. Nos.: 86285/209660 120 N Keyser Avenue Scranton, PA 18504 (570) 558-5510 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS CENTURION BANK, Plaintiff v. CIVIL ACTION MARGARET DRAGO, NO. 2010-3 841 Defendant CERTIFICATE OF SERVICE I, Kevin J. Cummings, Esquire, hereby certify that I caused a true and correct copy of the Plaintiff s Response to Defendant's Preliminary Objections and Memorandum in Support thereof was served via first class United States Mail, postage prepaid on the date set forth below upon the following: Ashley M. Derr, Esquire The J. Murphy Firm 210 Grant Street, Suite 301 Pittsburgh, PA 15219 Attorney for Defendant Date: (~` ~~ G ~ BY: ~ Edwin A. Abr amsen & Associates, P.C. Michael F. Ratchford, Esquire Kevin J. Cummings, Esquire Attorney I.D. Nos.: 86285/209660 120 N Keyser Avenue Scranton, PA 18504 (570) 558-5510 Ex.113 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS CENTURION BANK, CIVIL ACTION Plaintiff v. MARGARET DRAGO, NO. 2010-3841 Defendant PLAINTIFF'S BRIEF IN SUPPORT OF ITS RESPONSE TO DEFENDANT'S PRELIMINARY OBJECTIONS Plaintiff, American Express Centurion Bank, by and through its attorneys, Edwin A. Abrahamsen & Associates, P.C., submits its brief in support of its response to Defendant's Preliminary Objections as the preliminary objections were without merit and intended only to delay Defendant's obligation to satisfy his obligation. I. STATEMENT OF THE CASE Plaintiff filed a Complaint sounding in breach of contract against Defendant in regard to Defendant's failure to repay a credit card account. Plaintiff alleged how it acquired the rights to Defendant's credit card account and attached to the Complaint the Cardmember Agreement, upon which the breach of contract action is based. Defendant filed preliminary objections to the Complaint in which Defendant improperly claimed that Plaintiff failed to sufficiently allege allegations of a breach of contract. A review of the Complaint shows that Plaintiff properly alleged its right to the account, Defendant's use of the credit card to charge thousands of dollars in expenses, her subsequent failure to repay the debt and the rate at which interest accrues. Such allegations satisfy the Plaintiff s pleading burden. S~ Opinions of Honorable Terrance Nealon in Commonwealth Financial Systems, Inc. v. Michelle Barnard, Lackawanna County C.C.P. Civil Action, attached hereto as Exhibit "A "; The Honorable Hiram Carpenter in American Express v. Josephine Peyton, Blair County C. C.P. Civil Action attached hereto as Exhibit "B "; and The Honorable David C. Klementik in Commonwealth Financial Systems, Inc. v. Jenni er L. Reepin~ Somerset Couty C.C.P. Civil Action, attached hereto as Exhibit "C". II. QUESTIONS PRESENTED Did Plaintiff properly attach the Cardmember Agreement upon which Plaintiff s cause of action is based? Suggested Answer: Yes. 2. Did Plaintiff sufficiently set forth the allegations establishing Defendant's breach of contract? Suggested Answer: Yes III. LEGAL DISCUSSION A. DEFENDANT IMPROPERLY CLAIMS THAT THE WRITING UPON WHICH THE CAUSE OF ACTION IS BASED WAS NOT ATTACHED 1. PLAINTIFF ATTACHED THE CARDMEMBER AGREEMENT, WHICH IS THE DOCUMENT UPON WHICH THE CAUSE OF ACTION IS BASED Pennsylvania Rule of Civil Procedure 1019(1) states, "When any claim or defense is based upon a writing, the pleader shall attach a copy of the writing, or the material part thereof, but if the writing or copy is not accessible to the pleader, it is sufficient so to state, together with the reason, and to set forth the substance in writing." See, Pa.R.C.P. 1019(1). In accordance with PA.R.C.P. 1019(1), Plaintiff properly attached the Cardmember Agreement to its Complaint, as the Cardmember Agreement is the document upon which Plaintiff s cause of action is based. See, Complaint. The contract that Defendant breached is the Cardmember Agreement, which set forth the obligations of the Defendant to repay the amounts she charged to her account and, likewise, the company's rights to recover if she defaulted. The Cardmember Agreement was attached to the Complaint. B. PLAINTIFF'S ALLEGATIONS SATISFY THE REQUIREMENTS OF PA.R.C.P. 1019(f~ Pennsylvania Rule of Civil Procedure 1019(f) states, "Averments of time, place and items of special damage shall be specifically stated." See PA.R.C.P. 10190. Plaintiff complied with the requirements of this Rule by specifically referencing the date on which Defendant's account became delinquent. In the Complaint, Plaintiff alleged that date the account became delinquent. See Complaint. Additionally, Plaintiff specifically set forth the rate at which the account accrues interest. These allegations were supported by the Cardmember Agreement. S~ Complaint. Such allegations satisfy the Plaintiff's pleading burden. (S~ Opinions of Honorable Terrance Nealon in Commonwealth Financial Systems, Inc. v. Michelle Barnard, Lackawanna County C.C.P. Civil Action, attached hereto as Exhibit "A. "and the Honorable Hiram Carpenter in American Express v. Josephine Peyton, Blair Count~~ C.C.P. Civil Action attached hereto as Exhibit "B. ") The court in Marine Bank v. Orlando, 25 Pa. D & C.3d 264, 265 stated that "the primary function of pleadings is to form the issue and to restrict the proof of trial to those issues." In this matter, Plaintiff s Complaint clearly and unambiguously sets forth that Defendant opened the account with the Plaintiff and was assigned account number 372877396571003. S~ Complaint. Plaintiff also stated how and when it acquired the rights to the account." S~ Complaint. Further, Plaintiff alleged that the Cardmember Agreement related specifically to Defendant's delinquent credit card. It is not a boilerplate Bill. Moreover, Complaint sufficiently set forth that the Defendant defaulted on his account by failing and refusing to make payments as they became due and alleged the specific date on which the account became delinquent. C. DEFENDANT IS NOT ENTITLED TO A DEMURRER A demurrer can only be sustained where the Complaint is clearly insufficient to establish the pleaders right to relief. Firing v. Kephart, 466 Pa. 560, 353 A.2d 833 (1976). For purposes of testing the legal sufficiency of the challenged pleading, a preliminary objection in the nature of a demurrer admits as true all well pleaded material, relevant facts and every inference fairly deductible from' those facts. Savitz v. Weinstein, 395 Pa. 173, 149 A.2d 110 (1959) Ho ffman v. Misericordia Hospital of Philadelphia, 439 Pa. 501, 267 A. 2d 867 (1970). Plaintiff sufficiently alleged that the Defendant used the card, received account statements at his address, failed to make his payments as required and that the account became delinquent. Plaintiff sufficiently alleged the principal amount due at the time Plaintiff received the account and the rate at which the account accrues interest. Further, Plaintiff sufficiently alleged the court costs to which Plaintiff is entitled. IV. CONCLUSION Defendant's Preliminary Objections should be denied. The Plaintiff attached the Cardmember Agreement to the Complaint, which is the document upon which the breach of contract action is based. Further, the allegations of the Complaint sufficiently set forth the account number, the date it became delinquent and Plaintiff s rights to initiate the within action. WHEREFORE, Plaintiff respectfully requests this court to deny Defendant's Preliminary Objections and issue an Order for Defendant to file an Answer. Respectfully submitted, B . Edwin A. Abrahamse s, .C. Michael F. Ratchford, Esquire Kevin J. Cummings, Esquire Attorney I.D. Nos.: 86285/209660 120 N Keyser Avenue Scranton, PA 18504 (570) 558-5510 EXHIBIT A . tit ~~!~u E ~ P , t=, ~ ~: ° . - : - .- .. ' - . - - . COMMONWEALTH F11~AI~TCIAL ~ - : ~ ~ - : ' III 'T~ COUR`T Q~ C01~MQN FLEAS ~ - SYSTEMS, INC.... ~ - - . ~ - (3F LAC~4.Fr 1tl~hiA C(3U1'~1T~ PIS _ - - ~ - CIVIL AC`F~~N.-A.'F L~F~'- - - . - vs.: -~- ~.. - .. ~ : - - _. N~}. ~' CV 1354 MICHELLE BARNARD = . - ~ -~ - ~ . ~ ~ ~ - ~ . . - ~ - ~t .-. - -- -~ - -- - ~ -- I~fendant, Ville Bernard ~"Barnard''~ ~ ~Ied preli~g objec~ons to the ~ . - . _ complaint t1~ai has bees filed by -plaintiff Cvmmonwe~th F~ ~ Into. {`~~P'} ' ..this credit card collection action. Pre 'I~ry objer.~c~s in the natn~ of=a d "cau ° , - . only be 'sustained where the complaint is clearly ins~c~ent to h tic pleadear's rig~it .- - relief " Reed v. Duyuis,. 920 A.Zd ~$61, 864 {Pa: Super. 2007}. l~ or g~apo9es of testing the - .-legal sufficiency of the ctialleaged pleading, a demusier admits as try all well leaded, fs~cts - . -and every irjferer~ce. fairly deducible from rose fads: Bess v. ~cnr 1i9childr I.I.P. 925 : - : ~ . . A.2d 798,- 805. {Pa: Supra 2007), - FrelitinuiRry objections ~wliicir~ in the cljSmissal of a ~.: Claim may be sustained only in cases that are clear and free from Bingoyne: v . Finecrest Community Association, 924 A2d 675; 679 ~ f Pa S~pe~ . `moo be clear a~id~ - - .' r. .: - ,~ .:.,;. fi~ee from doubt that dismissal :~s approgriabe, it dust appear vvitli ety that flee lam-would-. not Pmt recovery by the plaintiff upon the facts •averred.'° Reard~ ~_ AIIegheay Colle,~e, . 926 A.2d 477, 480 (Pa. Super 2007j. If any doubt exists as to ~ a d~ should be -,..: sustained, flirt doubt should be resolved in favor• of overruling ttie ~ - . ob~ections.~ Bur~ovne. su ' Reece su ~ a. '` . ~ - ~ ~ - - . CFSI avers that Barfiard "applied far and received a eredit c:~rd issued by FIRST _. .., .. ' ~ . • ', CARD C01~3V with the Account number436b13303131739$", a~ mat a,cc©ng _t© the bid - of sale, affidavit and assignment which are attached to the comgl~ ag B~~it A, that - credit card account was sold by FIRST C~D• CQIJV to Thiif~m~ ~~Iset Ent~.y Nci 1, - . ~ ~4•-53. •GFSI alleges that it sabseguently "bias assigned all rights ~ card-accoh~-.~~ - - from id; including the account oP~ by [Barnar+dj ~ ~ mzmber 4366133x31317398." ~, ~6}• CF SI l~s atta~h~d as 'hit B ~ cathpIai~rt copies of . the bill of sale, affidavit and assignment Fnemoiializing 1:Tnifizas~s ~ vfBarna~'s - credit card account to.CFS~. ~d ~a-lubrt B}: - ~ ~ .- - - - - - • . - CFSI finther avers that Barre ,rd's: "credit card was sub,~ed~ ~e maims cif dre . - . • Card ember Agreement" and hag-attached a copy of that Agree to Sup camplafat. • _ ~ - - ~ .. .. 97 and Exhibit "C"~. CFSI alleges that Barnard used the credit cafr+di ~ pbrchiases, ~ - - advancesand/or balance transfers" and "was mailed acxount for those char, ~- but "defaulted under the terms:of the Agent by failing and g to make mo~rthlp -• -payme~s on the mount as#hey became due." - mod., ~-1Q)- Acea~dirrg to C>~Sl; ~amd' .~ - : "account became delinquent on Septembeir 12, 2006" acrd had a~ suicumt dhe of . - ~ -: -$7,092.71-a# the time that the account was assigned to C~SL • I-12~: Since •the .:::credit catd: agre~aent p~oyides. thax "any~aid babe at the rate ~- • ~. 14.15" percent, CFSI subnuts tUat "[tjhe total ~amount_due cog ~~5~ ~~~- •. - interest is $10,740.18" lid:, ~I3- l4). Additionally, irtasch as the cred-rt cad ~~ - . ~ further states that "[Barnard] is liable for [CFSI's] court ~ and reasonable attaiaey's fees ~ ~ in the amount of 25% of the balance", Ind., X15}, CFSI-dends judg~tient.`~ the ~*,~,~± of $10,740.18 plus costs of suit, reasonable attamey's €ees and any relief as ~ Cwt deems just and agpcopriate."~Id_., p. 3). - Y Barnard essentially raises two arguments in her prelgii~ary ob,[ectio~ First: cdting Pa. RC.P. 1019(a) which requires the pleader to attach a ~Fy of a writing to the coir~l~t . whenever any claim is based on that writing, Barnard cam that the co.t std ~ - - dismissed due to CFSI's alleged failure to attach documentati€nt - ` ~ - assignment of Bernard's crecbt card debt to CFSL S ~ snbmil<s > s . complaint lacks therequisite -specif city since CFSI I~ not ~eEred•tl~c cla~te ~ ~ - Barnard made her credit card clsarges, the specif c anio~ts she ~ l~ card a~ _ - the particular iteans that she~pased on those dates. ~ FNo. ~ ~I~-2Q, 23-25 - - . 38, 4Q-41). -. ~ - - ~ .~ . ~ ~ - ~ - ~ - - - _ r .. .. • The purpose of pleadings is to place a defendant on notice of the claims upcnr wbrch 'the defendant will have to defend City of Newcastle v ~ ~ A2d ?63, 7b7_~68 {Pa. Cmwlth. 2003); Yacoub v. Lehigh Valley Medical A,~ciates. S:flS A.Zd 579,_ 588 (P$, - Super. 2003), app. denied, 573 Fa. 692; 825 A.2d 639 (2003 Rule IOI9(aE~ a .. . complaint must give the defendant €air notice of the plainti$'s'cla~ and aEsrma~arg of - - - material facts that support those claims. Carlson v. C.a -` - ° Ambulance ~ervi~ - _ - . 824 A.2d 1228,1232 (I'$. Super: 2003); McClellan. 413 Pa_ ~ ~ 141, gp¢ ~~=~ - 1059-60. In defermiiiing whether tiie allegations of a - - . - - _ .. t bbee~sta'ted-wi€~i~e_ ~~ - ~ - ~ necessary specificity, the court should not focus upon one p~h ~f the ccs~plaint in - ~. .. isolation, Yacoub. 805' A:2d at 589, and~should instead ermine the ggragrnph in context ~ - with all otherallegations in ttie complaint Rachlia v. Fd~nison. 813 A~.Zd 862; 870 (F's. Super. 2002).. - ~ ~ ~ . - - . . Examining the allegations of the complairrt snd the exhibits attached thereto in their -~ entirety, eFSI has adequately averred the various assignments wlucl~ afford it standing and' the capacity to sue Barnard for her outstanding credit card debt Moreover, CFSI has ~ provided Barnard with fair notice of its claim and a sum~rtary afthe material facts supporting that claim. Any additional specifics regarding the indivic€~sal cred't card - . transactians~may be appropriate subjects €or discovery, but d© not warrant dismissal of the complaint pursuant to Pa. R.C.P. 1019(a~ or (f~. - ~ . - - - - AND NOQV, this i 6~' day of August; 2007, ngon aa~asidecatia~ of "1?el~rlant's Preliminary Objection to Plaintiffs Comglain~', .tlte memoranda of Eaw submitted by the parties and the oral argument of counsel on August l6, 2007, and based upon the r+:a set forth ~aboye, it is hereby ORDERED and DECRIiED # .: 1.. Defendant's preliminary objection to glaiatiff s cximglag~ is O~tERRULED; and, 2. Within twenty (20) days of the date of this Order, the defendant'shall f le a responsive pleading to the complaint. . BY ~ COURT: - ~ - - - .~ - - EXFIIBIT B . .. .. ,... - -. - ~iEY~ICArI Exl~~ss cErrc~u©r1 ~ .~ ~ ~ carul€~r ol~=~M~oi~I s a-F - - ~ .. ~ . l3~N~ ~ - , - :. g~ ~u~'~`Y, pE~rt~~ratu~ ~ . . ... ~ Plsli~ttiff.. ,- `. - .. . . .. .. . ~ ~ - vs: . ~ ~ ~ ~ ~ ~ 110.2409 GL~ 040? ~- ~~ . - ,. .. ~ r . ~ • - J4SE~'IiINE FEY'i'oN, ~ - _ - !?efend~it - - - P~€(~1mi. l:~IRA11'I A~. CAIiFE1V'FER III PItESIUII~G 3f3D!C$ - • • A I?A'~YD .~. A~b'~i ~k~~, F.SQCIII~ CQ~EfN~gL R(~1~ P~I~!'t~>~ - . 'THOMAS NtICYIAItt., Es~2l~utE . - - ~A®E I{AGASISE, p,SQUIi;$ ~ CUYJN$Eb Itt}I~ D1Y~AN`I' ~ . - - ~ ~ ~ QPIPTIOIY A~I~ ~RI}EI~ - ~ _ : ~ .. . ' ~ 'Tfris matter caErees before ~a Coart oa ~relimiesry Q$,~e~ong i 6y tote ~ . Befetcdan€ in this ~reclitCai`d Collectfon Case. 'Fhe ab~ec~sses are twEt fa estate.; First, ~ ~ - ' - - ~ T,fefend~aot's complaint fa0s tostate a sufilcienx-factaal basis: as there i~ ~ stabei~ien# ~ . . of whether or not the meat aIIeged between tie F-!s€~~ff aad I)efesn~~ is ~rrat or _~ ~ . ~ - ~vritter~. ~eeond, I''iait}~does sot gxoyfde ~-~- a~coctnt leisto~r; refer i~bl~gati~o~f o~ ~ ~ ~ . . ~ doetrnieatation to sttbsta~ttiafetleeir ~llegati(rt'ts as to the menfes owed, f~rsi ~e~t v4-ae . . ~ . ~ hei¢ to $ ~onctuslon on .rt~y 15, 2004. - ~ - - ~ ~ ~ - . ~ ~ . ~ ~ . ~ -After review of the Gomplafnt, hearing-the argament, and co~tion of our ' - - . . ~ :. treatment b~ these caste ge~ersily, we tonelnd~ the prelimmerlt o6 f ems. are nat .. ~ . . ~ ~ me'ritoriaas.~ in part, g~'en offer new E~edit Card Costrt; olt.~ec#is ~e:aeti#allyr c~robf .. ~. ~ ; .. by Qua ~isepy~iY (~f~~ tvlrtth wfll s~~ply this infotimatiott if refines tte~oag~t the .. .! -. - .: .. ~ - ,r . . ~ ~ ~ ' Coaciilntio~t C-onfere~ice ~vhiclt~occ~trred -riorto ~ese ob,~ecttosts fiefiig bea€+d.- R-e dtsaai~s - ~ ~ - 'the objections presently ~ - - - ~ .~ ~ ~ - fn so Bolding, we would nsake several observatiaus. 1<~rst, we believe:iudge . -. . - • - - ~ ~i~ettic~'s QpEnio~t eh Atlanfic Credif-and l:~a~rtce vs. Gt~iCisaa. l~9 A.2d (Pa:S~tp~r. ~ ~- . -~ : 20.03) and Penn-syli~aaia Buie af.~iv$1 Proc€d~e 1fl19 are controll~lg. ~Vhesa a CredFt Cart - Coaepany sends a credit card an offer occurs. The cc~nsa~ner's i~se of the ~ is ~e - ~ - acceptance of tie contract. l~ its Complaint, Pfattttiff has leled that the l~ef+es3da~t reeelv~ci and used a card. This establishes the contract l;aelt time the consumer ~ the card, Choy .. ~ are accepting the ferrets (.mod any changes) i'tsued E~y ~e Company. Each ~e establishes ~ - . ~ new contract. ftere, *~vhat 1)efertil$af regaests be-incladed ~ the•Compla~-are matters of . ~ proof (since them are srifiici~t facts pled ba supp€srt the ease of actloi~. ~ - - ~ - - - ~ Reviewing the Complalnt, Plaintiff is i~eII mile to an~-er a$ cif tdso a~gai~oas: Igor . - ~ ~ exatriple, Plaintiff. knows if he IEas used the card. Plairtt~ ltas most cry beeia ~ - - . - - . zeceiving statemeais from the Company as to atnoui~ts owed a ciisesidfe ~~i of tip ~ ~ - -. ,... $rfor to this .~tfgatiott: ~~#ert.if l~lieintfff has not been receiving tltose~stnts, howe~-er, . she chn answer the Coatpiairit by regttir~ig ~rlct pcogf cif tote smonr~t ~~~i: ~ - - discoYery: ~ . ~ ~ - ~ _ - - .. - ~ As to Plaintiff's assertion that the Co~iaf€nt does not prot+lde $n meant ~~~,, ~epaymefit o~iligapo#is, or gtt1 doceimEentatioa we are satisfied none of. that; sfac-uid be ~ - . :. - ~ :regµired at#~.e pleading st~ge.• It is true that ~etItety) Plalntiff~rtag ~e ~ ~ . . ~ . - ~ pt'vcjitcd sclt'fieiettf accQnnt sa5tetits to incisrde any terms and coadi~ians ~II ~~ . - - .:. , ~ charged $re l~as~ed: (Roiti~Ver~ even fai~nlt`e to provide eodiplete iniorntatia~ shay only Nai~re - . --- -• :. :interest and finance charges). However-, these are again matters df proof s€E1d tot plea~~iig. ' ~ Issue's suc[i as compete arcooat history and repaysreent obligations are ess~~t€a[[y ~ - irreiet~nnt to the p[eadi~~ ~Vhetiter t[tey are €mportant at tr€s[ is a matter ~+u be ' .~ ~~ ~ ~ - ~~ ~ determ~ed later. Theq do aot iatpact a ~omp[aitet whfc6 ,P[afat~f €s p~~e~r able.to ~ . . an~`y~i~ in its present ford; ~ ,. Discovery is another tastter. Defendant's connse[ may throng[t the D€senve~-S- (~rcier , obtained! a~ the Canciiiz~tion Co~tFerence (tivlsich leas already occurred} receive mnc[s of tie - i€~foranatioe~ he requests is these objectic~as. Defendant to a~es~wer tie Cornptai~t ~ilhi~ t.ve~ (Zij) daps. ~ - . ~Y TIII COU[tT, .. . ~ J. - .. SA ~ ~ .. . . FIi~ED:,_7 ~~ v.q EXHIBIT C " ~ JAN: 13 .2e10~, ~:~ 38f~'1"'~'ROTF~NO~ .. ~ • ~ . 449'..28 ~ " ~' .. - " ~.; • "~ ~ ~ col~IOrrw~c.Tx F~xaNAaA~ ~ . ~ iN ~ couRT:og cc~~on~ - - . • ~ . . SYSt£MS, INC. essia~gttiee ofUNIFLTAID~ ) • PLEAS OF SORT COUN'eY,: • - - ~ " . - . " ~ PORTFOF.,IUA; LLG; assignee of CHASE ) ~ . - PRNNS'YGVANIA .. - _ . ~ -BAND USA, Z+1.A. ~ ) ~ ~ ~ ~ ~ " ' . . . - - Piaantiff, } NO 28S CIVIL Zd09 "- ~ .. ) ~ - ~ . JENIVIP£R L. REEPINt3, ~ ) . . ' . : Defezidaat~ ' ~ ~ . ~ _. ~ ORDER ' - ~ I. . •..= e4.ND ncw, this ~ ~ day • of January, ZQ10, is accordance witb ilia. foil - . . .. - M~emora~cluin; Defenda~at's. pre~ary ~ objeaicros • are OVF.ItRUL~:D: ' aitd ~ es - • ~ - - r . - r . . . - -. directs tA.file ~n Answer to the Amended Complaint ~i$iin Y (ZO) days. - ' -. ~ ''tart { B~ Lim"COiJRT. ~ .- _ .j ..• ~ Dan-id C. Kleme~'k, J. - s . • .. . .- ~- .. S ~ • ~ - B .J t ` ~; 20 .. .. _ his. .~:~' ...F• :e. •:• ~. •. - _`_. _ - i ~- ' JAN.13. Z010°~1~.'= OfiHONOT . _ , gge~•~r,.'21° .. ~; _ ~:• . ' • ~ . Gregory T. Artim, Esq ~ ~ ~ - • 1.751 • Lincoln Higf~way @~ort(~:llersailes, Pa. ~ 15137 ~ :.•~ . Christoper R.•.Giles,~Esq. ~ ~ € ~50•South llAain Street - .. [ . - - Greensburg, Pa.15Sa1 . - ~ - : ~ ~ ~ - - - f ~• • ~j '.~ . ' ~~ - ~ . . ~. :. `" ;~. .. • • ~: : , .. .. .. _ . - .. . 4.,4y,•. • L -JQt~.1 3.2Q10®ii; 29AM'°"""9'ROTHONQ - - -""p.i ` -- z - -• . •- - - - - - ~_- ~ • ~ ) ~ ~ ~t ~ CovRr cu: a~ ~ - colu~sorrwlsA,irA Fnaaru~ctAi ' - - : -. - j - 1'Si. ' BYSTF.11~i3~ INQ assigi~es of EJ1~1FLtND ) PT~AS OF S(~M~RSEI' COT.~ _ _ . , PORl'FOLiO•A, I.LC, ofCHASII } 1'ENZ+1S'YLVANIA , - - . -- } ~ ~ I~iO. ~8 CIVII. X009 : - ~ ; - = - - Plaindff - - 7 ~F.R L: REFiPING, .) .=. . -, Far Plai~F. ~ , Aathcay R Btugess, £sci- - - - _ - - For DefcntdarM: Gregory T. Attiin, Fsq: . • - - - - - ~ ~ - . ~ = Argtune~ - De~tber 15, 2009 - - ~ 1 . - - ' .. j - - Tjae a~acter that is nmtptty before the Corot is ~t 3tami&t L. s - - : t~ - ~ .. ("Defen~nt"} P~lim~arY obi to P!$mt~Cas~mana~Irh Fi~acisi 3ys~, iryc., ' - - - t . ~ - .. .. ~ ' • - f . • assi~ecofUaifcwd Partfaiia A, LLC, asseg,~oe of Chase Bards USA, NA 's ~'i~aia I~ - _ • , - . - . ~ - - ~iaes:ded Cotaplaiint. Ia acoQr~ce a~ the faIIov~tg; Defendaat's prelimia~y' ' - - .~- - - - ~ - ~ - ~ ~ f _ : • - • ~ Facts : . Idant applied for a Fiat USA Bank.{~`Firsf'} cwt wed. ~ E3ampL ~ i ~ ~ - m S F"ust her and a ~ - . .. - - credit csrd.a~ceonnf' is hc~ n~c. (Id) Sum, `Z3e#bodaat aooepted the ~ amt - -- - - - - - - - - ~ ' c~ditiaars a~tbe nwolviag apa~-rod exalt s~mc is I81 - bar - - - . - .. .- tine crec~ c.$rd fio tasks purer ana/az to obrtaia ~ ed.~ces es iadiessed ~y ~ - . . t. L i .. - • • •`• L • • -. ..•. - -- - - - - - - - • - - i - - ~ • • • . - • • f •~_ • ~ - - .. • - 2 a ~JAN.13.2010r1:i~30AOTHONO - _- . .. . . ! I Sys .~ i 3tatesnents pravtd~ by Plaintiff" (Id '~ 6.) "Qtt August I S~, 2tI05 and tE~eces~, to of obligations under the [ajt, [] Defendant fs~le~d to nia~ payments as they dt~ as . iredieat~l~by the attsched.stataatetrts ...:' (ld ~ 7.) ..~..w . The agreement provides "for acceleration of the e~atire balance due and aviri~ .. _ ;•. Defendant's breach of [it] under the sectimn referred to as `DcfaultlCQllectiQn Costa."' (!rf ~ ~) Specif tally, Plaintiffalleges that the "e~ixe !~alar:ce dues' is a principle aFnaunt of 59,653.92=plus "the interest [that] h$ accn~ed at the rate of 6.~'~ per a~atfm oa. ~ .. [seQCx] March 21, 2006." (!d ~ 8-18.) - _ Dn Msr~ch 15, ?.086: Chase Ba~euk USA, N.A. ("Chase"}, v~ehf eh had fnerged ~ >~ assigned ``aft [of itsj rights, trtte a~ interests ... in and to those cede n9eeivsb~~ ar esridezbe~es.af debt de~'bed is list 1" to Unifuud Partfaiio A. IZ.C ("tftdf (~ ~ ... .. 2; Compl.Fx A:.}. Howetrer, '~zEei'bf~t~1" was oat attached to the Ame6dtcl ~ ems' hs .Fatlu'hitA:' Therein scrt~.ducrepanay is tegatds w the subsequent $ssignmeat 'IAA . t , .,.. C'.omplairtt alleges tit Uzafimd "assigned ea sccatait p~oho ttn3t, ia~r alia, d t~ accou~of "tom oaeit def~endeat to [Plaintiff] r ~ (Id '~ 2.j 'Fhe eaclu'Eut tQ t+t~cdi ffie ., -z . . . avera~vE tefeteacx.~r ~ pmvides that oa Isnuaiy 2, 2048, "ITre f ured CCR.Fra~ier~ _ ~ ~ :• [sold]; :,assiga[edj,;and ~aasfer[rrdl to IRnrg die ~Set~ Ire] s[} of its good sad hie title; free and Meat ofell.liens, claims aitd eacumbranres in and fo the Accounts listed ~ dce ~ . AccounF- ~SnI~ ad as Appendix A[.j" (ComgL Ex B (eatphasist added} Agar . :.; howevt~, ]fie docatnneut~was not attacd~ed. .: ~; ~. . ~ Maarch: ~0 2409. Plaintiff Sled a. Complaint to which }~ filed . .~ .. ' objecxian~otEly~ Z7, 2049 On 3tuie 1, 2004, ~ GoUrt struck tke Cflmgh+ant ~ l ~ . ~° - - - - 2 ~ ~ . . • f ~ :. _' _.~• --" I ~f i' - t- t: ~~ I i ~ ~~ ~~. _~ _~ t '- .~ ! -~ .. I- -- ~ -1 1 : _ ~ . e i ~. - •TJAPl.13 ; ~10~11; 30A1'1"'®~THOh1QT - - - _ .. ,. - ~-~-~- = . acnestd apon•o~eat of the g Qn August 31, ~AEl9, Flamtifftime~ the Ae~dod - - . . ComgltEict Qn SeQtcir~ber 4, 2t~1, Defends~cxt fried the grel~iinaiy o6,~ticxis td t5e coded . - ~ - . Comptai;at:. Specfficalty, Defendant objects under the gtmtctds set fot~tli in sttbd'iv:. ' I . 14Z8(a)~3) aad lt}28{a)(4) of Peumyivania's Rules of Ci~l Proc~dtne:' - Disc~rssian ._ -I. 1028la1i3) - Insufnraertf SpociBcsty in a l~leaxi#nn .. - - `• Itt p - hrania, a. elimiaatlt objection cnay be- ~ Fda~a the gro~md, of iatt - 1. ... speaficfty. fit a pleading. PaRt~v.P. lt}28(a~3): `°t'he ~ ~ q~tic~a undeE Rye ~ f t •. 1028(a~~) fs-`whether the eamplaiat is su£~cte~p clear to etrable the defeadaatt to his • . • ... - defaces' .4r `arltether the plaiati~'s complairn ~sthe dr~tidatrt with ~~a~d • - i - c~rfie specif c bps olt ~-*luch recovery is gong~t so tba~t~e ms~y ~~~ • - camp tess . e , , . . r question t~tt what gnctuods to make his defeat"' x Greee~ ~6-A~d I~ I235 -_ ~ • ' - . . ::.: fi~sentially, the obj~tian s~ogtrites a court to - .. ... fag - ~ _. - - has co withRnle.1QI9, "Cots ofFte, Cemcral ~d Sp~e Avg" - . ... - - - :. . -.~ .. - ~~:~ n~tdanc~ilegest~ FIB Ame~aoa coonplaiat C`e} is ittsuff ~ ba~use ft i to ~a2[ach the "e~ire credit cam [cam er (aj and the ~ . -. . .~ :- - "compl ~ete•~}ttea asslgameszts Fast (], Chase acid Uctiftaba indicxttiag t3nt< wt's . acoouat,;tr,~ itzclt>ded in the Iot sale(s)," which tftc Court addresses iaPart I(A).- fIk€`s 1~ - f . .;.t ... ~~ ~~ 7 ~ '1~ i~iM ~~y~. ~ S, A~~~, ~ 0~~. R~Ri~ ~uKi S. - - s •` trot "state ttia data of the conomatcerae~tt of the alleged ag~attea~' of ~ for . - _ - ~ - .-. ' ` =' ~ the. ptup~ped sinus outstau~cl'ing acid for the emotuus is " which ~e.Couts aditesses m t - Pact I(I3~ . O,bj'ns. ~ 8,10.) - ~ - - ~ • - - . - . ~ • ~ - ~ - ` r . .S i __ - • _ ~ ` i ~ . - _ _ - ~~': a .. - _ - . - .• • .. ~ _- - .. '~s' ~ .. - ~ - _ - - .- -- _ _ - . -_ -i . -, .M • -----^v AN.13.2010+11= 33AM~'°m°5~ROTF:i01~7 ~ - -4E~~r . 4"''~"" . ~ . - ~ - . - - - __~ - • - ~' j r A. The Reg~ao-saie-srs of Ride l a19 3uisions (aj, fjif~ aril ~~ ~ ~ - • ~ 1Lule lOl E3(a) pres~'bes that "[t]he material fads an which a cage of sctiotx cnEe • . is Erased .shall br.scsted i~t a cxaase socl stunmuy form." PaREav.P. ~OIg(a). ~, otfr~ Suprefne Court stated,. "V~e have caustrued Ibis n~le to mean that the complaint n not only j - appriso the defendant of the claim being ass..rted, but it must also summarise ~e essess€ial fates to support the claiisi." Steiner ~ 14EarkeJ, 9~ A.2d 1253,12f 0 (1sa.~Ub9~ (citing ~u v P,~ Pa Ndt't Bcrr~ 282 A2d335 (Pa,.2971)). Specifically,. the Landau Cwt stag tba€ °`[t~e _ . purposes of tt~e rule is tb nquiaa the pleader to disclose tt~e `material fact's' su€ficxen! ~ ena>11e 1- the adveaESe patty to pregame his case." 282 A.2d $t 339 (citiiag Smtth v. ~#lleghee~r ~r:1 ~5 • ~ .. ~A.2d 6 tS (pe.1959}~, At least since 1}59, "[i~t jbasl dcrt [heerc~ neoessazy Herr ~ ~ pazticu~arties of .evidential face b:pleaded, sc- as tl~ e~tial Picts m sugpo~z€ cta~t . ~ . are.". 155 •A,?d 616.: AccaglY;~ Pesmsyl~ania tar. cZeatty establishes tlmt there ig a - ~ j . :~ x • ciiffereac~ b~-re~"mattec[sj of evidences' azi€i "essential lid to be pleaded is ~ e~f~," . - - i Id atCi7;. .. • ' ~oa~elsss, sf~tty a~ S3rtitlr was deaded, our Svprea~ C,o~t admitted ~t "tile linC • bCtWce~png faus.taad ~-ideric;c i~ nut s1v btighajj" $aEtt v. Cernral Pet~~at7 &arriE - - 1 '_. .' of Phflg,;224 A2d 174,.179 (Pa.i966). This is•cspxiallY trsu in ~ of credit end ooliecQOa ' like the one ~ is wutindy brfcm~ the comm. cvmpm-e rirtanrtc ere! and f,~ v . ..... . . . . r Gt'ttti~8?J~:A.2d X40 (Pa.Super.Z~43), with Capr7alOrre &tn~E v ctever~.arirre; ~ Fa. D~•& - ~ ~ - •- . ~ C.5th.i,5~ (G~.F.•C~~20Q9~mtd A~or.Jd~-fdeAseetPurcJursi'n~ L,LC v SYert~ ~~g~ I11 • ~ (C.P..~r ZOQ4~ . - .. . ~ -• - .;, 4 • ~ z s . 'T ~ - .. - • ;: .. t ,' i I ~- .I ~. i' I. ~. E ~ :- -- ~. I -. ~ ' .^.JAN.13.201@~11= 31AM°~?ROTI-Id~107 - - . 443'h. S - • - - 'Y . - - ~ ~. ,., ~~,•, r.~;.f. - I~-.-Gib the Seiprxior Court cos2sid~d a Y p~8(e}(3} prdut~y obj ~ s ~# card eolkdion. case. S29 A.2d a# 344. Specifically. the G~itt€m~r Cotta ccn~ed - whe:~[ltcr ~e de€ettdant's argvmest, which was set forth in the forth of a prelttszitt~y obgt~tiofl fried a&er t; default judgment was mteced, established a "mt~inorious dew "t le€ The gslaintifjf'had "alleged that it was `the gttrchaser of the aceottat fm~ ~~ a~gnotj'. bat famed m attach eit2fer.aray caniract or agreement l~tu~eeo [$ssigrxrr] and jthe gam, or say catttra~ct or agree<aeat between [assignor] anzY itsel.~ other than a single sheet ~ to be a tttontbly staretnGnt from [assignors addresscci to [the gisiatiffj ...: ' Id at 3~~_ Fhe def'eacYarrt~ alY~ed tbat she had a meritotiaus dose for two reams. Id at 343__ ~ first - . - fllz~ec~ j~as~ tisat the complaint, which ~ ntmternus avet<ae~ ~ rat bra . ;. . ~fiad ss regt~red by Pa.RC.E'_ No. Y (124, but tamer had bit t~ified by mi t ituiir-ici idet~ed as "paralegal" far [t]zc. pfaiafiffj who hsd no pe~oatal kctaee aEfthe .; ~ . .. .facts tga~,wa¢,not ~ ofiiCer of the corporate g}aintiff." Id. "Tl~ saxtsd preY~g ~~ - . ., . .. ~. ~.. wa~„tlrat.: [lie pYain~ Irad failed tv attach ZQ the complsaat say ~vcitiregcg ~y . - :: •.: • caattact ~the.as~ignCrj sad [the defcadaatj as regtdred by Ps.R.C.P. ~ Q~9~ the ~ : .Y av [~~e ~1aia-tiffj that it had pttrchffseci the coatracfu~a{ rigt~s of [~ 1...: ` Id at.,,~to~on df these objections, rise. GtulirmQ Court held dmt the d~ . estsbli~sbsd a me~itotiovs dtfeasc.,and ceded far the trial court to op`n the jnc#gme~ ~.~~ ••tttnina~robjeetians.~ la at345. . - . ..... .- ~, - . ~ .:3...-, .. ~ - - - ..'s•6 - ~ ~ - - ` Ge~jr,'~ ale j~meot neey 6e +vt,ea tlafla atcmeots ace end: a,~ ~g- emnc fq . . pcoRlpt~~k ipetttion Ya open t3e~ deliattt,jadg~ec~ Q'J sbaw- s neeriwrioes dde~e, aqd (3j @~rLie a ne~soasbk ax~nse_oc ~ ~ ~ to fk a:espota~re pkeautg." td at 3Q (tom oeait~ • .\_~ ~ • - . - C - 3 :f 3 , .. ~ • -• • ~ . - t- 1 • .. .• v =.1~ i . .• • j • • . ~i, T . , j .. ~~ r~ ~. ~ ~, • ~-JAM. 13.2010-1i=01}~T ... ._._ - .44~"°~_ . r - . ~ - • O+:r sis~ o~tttt m Allegbea-y Ccouioty decided the 2004 case of Ararldwide met - '. Psarclresing: I.LC u ~rer». It cansidemd faiuti~rrQ is determining whe'thec t4 sustsat a prelim.#naty objection alleging ttmt tha plaintiff's complaf at, v~hich was fil~i i¢~ a edit card oollectian ~, fai3ed Eo comply with the pleading regttirear:ents of Rule I4I9. 1 T3 P.LJ. l 11; Specif tally, the court iA SYet~ set out the fclIo~+ing language from Giulicarta verb: ' •. i ~~ Ides=` to attach the wrttings which assertedly establish [the plaimifl'sj right to a judgment s ..based an an alleged debt it allegedly P~ .. . . it: fatal Lra the claims set forth in the ~plaitttifl`s] complaint. 1~ins, tb~ prelita~asry . objecxioa~s of tt3te~deft~nt] based an failture to produce a cardiioldeac agce~.eat - -~ and statetc~eat account; ss well as evidence. Qf the assignmetrt, establishes a . ~-de£ease." . - ~. Icl at I t 3.(g CduliQna, 829 A.Zd at 345}, Ultitaately, the Stern court held t3mit an - • . - ' assigaec~cdit~plaintiffmust attsch~the doauaeuts establishsstg a chair: of tttie ~ the ~ . •~ s camp .IAint bt~.se "[R]u1e 1aI 9(t) tequUCes'a periy to sttacb all dactnmemts w~clt fpm tip . rr fpmt atl'td,e ptai~'s cause ~rf aea"~i:"~ l~i~ ~~'I I3: 'T'he'S~r oottrt staff dt~t die . .: . ~ ~ ~:..,.J,,... ~ ... . . ~~ plaittti~? iiot a party id [tle ~ .•~`card rela#ionship n [t~ej tiefenc~ut ~d . ~ • , • (tIie_~tc~ iss~rl']!mIess ~] gl+Btnti$'~[could] ~essabIish tbat (itj ... acqu~ead [the] riglet,' .. - title; atut ~avstiii Bud tD the atlegDd t:ccouz~t[ 3" Jd r > • • ' : -•~]G CaEIiL ~1 pOt eaRand t0 3c>~et CQ1mtj~ tl~ Srer» =ultt Of IaW fOt' [iota TC8SQnS. - s - First, ~Gforla does not regt>vre it. Second, Rule ?.002, `~rosoeutioas of Actions bgR Real . .:.~~ . Pattieit#St.°is the tnie that oott~Is vrhet>~ar•sise ~ssigncner~ oomracts need bo be . ~t~eoartgfsiai, noiRnlt 1419. ~ ~~ - ~ ~ - c . -~:. ~. 1~. ~ P ~ thst'~ll ~tiuns shalt be p~ by ttttd to tl~ - :. ~ .. . - . ~ - ~ name loaf ~Fetey fa:iAt". Pa:RCiv.P ~ 2002. the S1r Comet coo~iabd Ry1r- . . . ~ ~ : ~'F~Yiott in Biroiy» ~ ~, a2 A.2d 93 {Pa.Super,i9~s~. - - . -- - ~ - .' # ... •f. ~-~-- 3 t~ f . ~ I ~• . !1 . 1- .n ' f -- •' t . ~ -j. -~~ . - ` ~:- - - - ~ - - :7AP1.13.?016'11= 32AEr1°`~~'ROTt~lOhIOT ~ - ~ _ 449'-E~'. 7- • • . - • " ' _.. .' - . ~ -_ - _.- . ., ~_ .~ . .:,° ~• .~.t:d...1~' -1'• .. •; .. - - . ~ -; • ~---~a ~r~rov~r* the Si~ior ~~rt noted that tlia nzte "penni~js) as assig~e to s~ in his - • ~ .. ', , . j o-vn name without joiaiag the a~gt~or as a namiaal patty" if and only if it `'traee~s~ ire-{t~uej _. _ . ' pleading'the deriva~ton of [the) cause of action from [its] assignac ^ 4Z A.Zd at 93. - . SpeciScat~y, the Arrnvn Court sf3ted, `°The derivatfon of the brie to the cause of ac~aa titUSt be alleged ef~eistively as a fact, so that tine dcsferulent may regaire prvaf of the assigmnezst if he so desires.." ~d at 9~ -`°f~iis gmtection mist be a~'orded the defendant[,j" the Bra Caurt heid;~"Epls~ the-defendant might find hirnself subjected to the same Iiahility.~ the origna] owner of tIu cause of sdion, is the event that there was oo actual assig~t." Irk .- ~ Brro~w.rz, the plaiatiffh$d aveaEd that [t was the real parry is i~tUerest e ~ . contract `-~ta].~a IawfnIly and duly assigaed to the piair:tiff.". Iraf at 93-~4: ~. it lwd . nat doh ~o.ia a~dnQg. Id- Tie Cann noted that tI~ plainfiff was `hot rcxlerired to set. out . th[8] ash vabatnm ar ~rrracti a,wpy of the assignment as an exfiibrl ~a ~ie~'jFtogt ° . Id . {mss added).. ~Howevei~ it d'td seed m make "an sffumative crf ~ sn a ' .. + gleadip~.sk of p~oatj, a&,j stst~] the fact and datc of tae assi~ mard ~ patties .. t~ierete,~~` .at 3~: A~oo~iag~Y. the ooegt held that the avetm~t "[mss] ~ upon . wl~ctrLt~i bra the ghvati~'s cdaiza aghast defe~daat"' because it bad "failed fiQ the . _ ,. assignsneut iq~YpteadmS."- fd ~ 94. ~ - ~ ' ~^ • - • - - The Superior Carat rase of Gisrliana cvrnpoits with the Supreane Court case ofBh~ivr4 ' ,AS the; Coiaay Dotal is S~rtc aomd, the Giuliano Court stated titst "tie peelirnma~- . . ... objof [its based oa fn~tiet'to produx a cardholder a,~re~t a~I a - aceowti~ era m e~enee of the ~grrmenr, establishes s meriGOrious dermas Srern+ 2~3 1'. L-,J. ~ ~ It (q~o~ing~8~29 A.Z_ d at 345 (emphasis eddy}. foaeet~g tha test gacgr at • •• • ~ i 1. - ~ `-_ 1 " 3 S ;I j .. f-.- Z . r; . --: j• ~ - -~ _ 1 ~~ 3 -JAN. i3.20i0-~it~•33AM~P~OTHOAIOT ~ -`~~'- " . :. i ~ . •. - - - • .thE G~FQ~JQ t.'Ot1tC did 1~ that the COalplaiAt w35~cst~ccieat SolCly b rho . - .. .. ,~issigcca~ettt coatra~ had acrt. been atz~ed. Ttm plaiataff's faire w pmvide ~y ~id~ of the"essig~ment" also ooaasidered t2te fact shat the c~nglaizu ]tad not been pt:ap~iy ~ified, Id . ~at 344~~:. 'itic Giulirtna Coact stated, "[TJhe require~iGnt of a verific~ion is not w~i~+able because witf+ocet it a pleading is nsere rrarratioro~ EtFad arrnce~ras to nothing„ $29 ~,Zd at 3~4 ;: (enzgbasis added. Accordingly. the Giutiarca plaitctiff s complaint ~+as ins+~ci~ m rrgards t0 the ~ psny in iatGrest becausC: (~) it4 averoceni Et~'eciively "9alGt2nt~Cd~ to ~thingN as did the Brawn plai~ff's: and(2} it did not aftsch a docura.®t that vrould compsasa~ feu said fsilnre.fo plead. Id. lndeed,•Rtcle 1024, "VcciSCatdozc," pcnvidcs, in p~tin~t pa~tthat "[ejvery pleading conug an avttm~nt of fact rcrrr af~pearing of record iri the a .. ~. ~ be ~-erifed; ~ Pa.v.P, lU?14 (emphasis Seri}- if Ituk 2f?02 were iuft caatroirZrtp,, Rule 1 OI9 does not reg~~ ~ . e~ablisbiag.tfiat.~he plaintiffis the real party ~ izc~est bo be to the cmmplap~. ~ticle.1013 snbdivcsion (h~_~ nat4 and sab3"n-ision (i) p~vide: • ;. _ ~. I . ~ (h~ gihea anp c>aan or defeccse is based tipan an y~cetment, rice ~ s1is1l stets s}~ci&calljr if the a is oral or wcitLers. - - Nate:• fftlce agoceme.nt isva writing is must br attarbed to the pieat~ See . • 'gc ~) of this rtilc. ,_ _ . • - :' : A When eII,g claim o~ def~Ss based upon a wrung, tha giz$:der shalt . . at~t a copy oftlc~ writing, or the matar-cal gart thereof; bvt if the writing at .. "cops[ is not able 1b tie pleader; st is ~cient to state,, togctbea with ffie . -: r~t9ai, area to sc~ fortTi the substac~ce in writing„ . Fa RCi~-P. ~4I9(~}{i}. AaoordiagIy, Rule 1x13 regnaes ~ ~i party is intEres~{wlcetheli it br tha crEdit card issuer or a suGsequeat ssaigca;e) to state specifically av the ' . agree~a ~vrt rich dce atuim is based is errs] or written. 72te iule is not •ovn~ed vri t6 the ;: _ .} . ~.. ~ ~. t• '• . 0 Z - ~ ~ i f t •~ . t j - ~ . .. JAN. 1 ~ 3.2010~114~-3~9~THOd~IOTARY . ~ - . . .~ ~ _r- ~ . • ~ .: - . . . ~ ~ agreemetsE{sj whidr tl~e "the detfvatiort of the title to the Eck}" is based. , 42 - ' ~ i . A.2d eta; see also. Farter'v. Peat Ma~+ick Main & Co., 587 A?ct 382, 387 (Pa.th.i ~i} • ~ . ~ . ~ (noting t~e.disdactioa l~tvveen "documents.(that] may cors~titxtse ia~gartsat evideoor m the ~ ~ ~ '~ iitigataion" : pnd "documents .which cretateri the Iegal obiigauoas [thax the de€end~i} is said is - . { . t . the complaiatto have l~Yeached" (amghasis is arigia~al)). To the eat tit flue sgtt~ae~t td~t # subdivision (h} considers is written, it must br att~h®d to the glcadirr~ gtn~et to ~bdivision _ ~ . ~ ' (i). Pa.R:G~~:P. i O19(h) (floe). Subdivision (i) simply protrid~es ~ 4hc real E~ iat itmcrest .: .. is tc~ t a ropyaf the agreement ifit is scces9'ble to it.. ~G~ c~gorts t+ t~ pvizrt: _ ~ .. ~ ~ • . ~ the Su~icsc Cctnut remanded for the trial court m sustain "the s+ecoad pFelugina~r otioo" _ # . . . ~ regaran~ the gla~i~'s "PaiE[urc]. to attach to-the ~npleiat any *~r~mtg ~~9 - . contract b~veeat the assigpor] and [the defendant] as ramrod by Faltf ~.P_ 1QI~ ~' 6Z9 ~ ~ - - _ss~ ~ !CELL a~3~~7_ . _ -. _ .. - 'f ' : : • ' Iq~gga Y- .LevJrt,.I46 A, 533 (Pa.1929}, ~e Snpteatt C~eutE stated, `fit cwt - • . ~ be entered= iu favo~.afa straagct to the.coatract, and, 6efare ~r~j~''it errtitlal tcs secaver _ _ . ° . . ; - ~. , tlte.btit i~.oss~fiitnta show he has cy irrteratt therein." fd at 34 (em hasis adslod}- ,_ . p t: - ~ . . Certainly~,.~t a~st~nee-areditorplsir~tiffhas the opti,ou offE~t it is ~e r~af psi is ~ _ .. ~ _ .,--~: - ~ ~ - - f interest l~ g to ffie pomglaiat the documents that establigii Itg title Lo the of - ~ z. _ action. H¢wc~ our st~tedo~ not utilize a ptoa~ gkadin8 sckma~a is waU ~ tlr~t - "Petmsyl~ia afaq~pteadrng scheme," Gates v Gates, ~47I A2d 1QZ4, Id3fl-3I ~ i . ~ (Pa.Supo~i.?~04} ~ea~pbasis~added). Cases in which a glavrtiff sr~ to reoovea' t eatd de>rt _ . are ~ diva tcmus of pleadin8. If the icgislatiue wants tie ~ the sssigtroa-creator ~ . . - .. ~ ~ - . _ _ ~, -JAN.13 .20i0~:1= T}i0Pi0T - _'. iB" ~ - : - ~ than othe~• p~iat~ d is fFee to prtxcn"be additional rotes- A p~sat oftiic tabu a~ Perrs~lvaaia's Ries ofCivil-Procedtire,however, displays first ~ has not yet dog srs: - - t ~ . . .. ~ - ,1 . ~ .• ~a the i cash the Court lw]ds that "the complaint is ser~ieatly cCesrchi amble Q•. . [D]e~'etit#aat to ~ [het] de£erise." Runcbo, 906 A.2d at 1235_ Plaint~f s8ti4f e~t~ -- -. . 1019(tt) by pleadhtg that its eisim is haste on the wtittert arecht card agreement. ~~ Compl_ ~[ . .~ ~ 5.) Plairttiffsaal Rate 1019(1) by attachIDg ao alleged "true ~1 correct enl~` o~the - ~ - . agreement (Its; See Cootgl. Ex. C.) Under Rule 2002 Plaintiff does Trot need ut °atmch to the _ , Compt~f [tine] a vsitten assis ... indicating tit 1Ttd~dant's ncaoa~t vitas : . . _ included m the lot Tale(s)" (Pcetim. Obj't:s. ~ S.j .alt tlait it oasis to do is "tracx.~ i:t tlie' -- .. - _ pleading ~e Aga of jthej ~ .of adiaai frnr~ ['etsj ~~' which n ~~ Bsrra~e, 42 - . ~ . . A.2a ~:~; E~.~.'t ~-} a~orai~~ly, ~~ court ~ ~ tt~ ., ' • the Co is`md is regards to the meat of the s~ t ansigarnertts. -- . ~ . die ~egrrest: ojRule 2t?19 S~ebdcvision ~ - - ~ '. ' - •,~:~ oatnt also bald tit tbs oomglsint Ala sot sit as4est ttis~ a speafic - - - f - _ •1 • ' ~ aatatau~~f ~ara~oared..153 P_L.L et ~i2. AcaordiAg aQ tibe o~ - - _ - . -FTndarRtt~ 1A19; a complaint must include the arrzat~ of the'cLarg~tt~t - ~ - 't ; .. ' - . ~ ~ = ara~arta~$ecigim..the dates of rue charges, credits for ptgraeau~ ifa~s domes . ' - . sad amat~s of iaar+est cdrarges, ana dais sad of othrx . ~e - - . ~ eaataiu sufficient boa sari boas to pe€ta~a - ' ~ . - fur ~ the total sraount of damages tTrat aso sUegedly ~ ~ _ ~ _ _ • • i L fbC dOgZfIIGlt.4 aftachcd t0 the COIrtjT~llit aa'~d the sliegahoas Wig t~ • - . ~ _ The ~ acoestbottias h a y betvreaa the Cam and ~e ~ PtaB~am~ed ~ -- ~ - ' • ~ ice- t z x~ Cowl: ~ ai h. ct~ Carat noses >bsmo~~eac . . ~ ~ ~ assist is ~eoxreeo'llaiGud OGR Pati:sers" sad "RiAg 7fie BsIX hne "--~cio~ePlamatt ~!?aimpt: Fs B - • - f . . - . ~ i«~Fl 9lrst~aaataiso sous tMe Pamsytve~ s wiles ot~ Pno~edma ao ero~ t~e~o~x D ~ . ' - - - - - ~ • ~rPt 1424 - : :~-- • adraitt6mtt'hsstfe~edr~ponemtis a, fad: $ee PaRC ~F f- i-~.. _ •JRl11;13.2910-1i-~4APr"~€"Ra1~'101~0- - - - - .4~"p_ii' .. - - _ - -. .. -- .~ :~ ~ -~ • - - t :~ . 1 - 1 t- -r _~ _ - ~ ~r _ t , ~ ~ - ~- ~ .. ~~• - - .~ . Id {citations sad foota~te omittesij. Otnr sir ~ is Centre Cnt~r recently ~. . guidance hs to haw Rule 1019 altrgedly so proirtdes ist Capual Ore Bank v Ctev:- 7 Pa - ~ -. D. 8t C~.Sth ax 155-~6. Spcei~callY. the Cleverrscivre c+~ut held that "[aj defe~ant ~ e~tlad to know a~ which indi~vidtu~i tr~saetions were made, the. amotmt~ tltere~re ~ tfie items purchased to be able to aaswes it-telli~ttly a~ cletet~nine what items ~ csa ar~it ~d what he mint cos~st" codes Mule 1019 subdivssion {f},: Id et 156 (ci#atiotrs ~ ', - -In reg~s to the dates that must be pled, Rule 101 ~}(t} provides, m ~ fit, tIsat •°{ajv of tune .:. shall be speaf Bally stated." Pa.RCiv.P_ IOI9(#). Li t Ar~tharzty v lawrje and Green, 356 A2d 851 (Pa.Cmvalfh.t 9?6), ~ Ca+tnmon considered ap~miaary obje~tioa fire suffiy of a ent ~ tegar+cl~~ ~ ~~ sgeci~cit~ofti~ aveared" ttttder R~tk IO f 9(€j. ~ st k55-56. It seat ate, "IQ es • the all#sf time i Ste cause of a,~aa sc~vr~ amst 1~ ~Y s~~'~ emote: the d+-,f~dzt~t ~ ~d tl~ statute.of limitations if ic~ble." Id ~ I~fS (q" R ~ ' -- `° ~R~,?¢, ~Z4 A2d 49$,509-10-(Pa.8:197~). In ~ Bc~+er caste : - - • . : , :~ Coin was coacernecl v;ith the ple~ng of the test acts tam • - - '' sm a oe~plsaCy e~bliag the defendeaE to Imrn~- if the staff of kxnicaritsass= ~_- - _ barz~i tbue,.aation. Since the stattsDc of iimi~as does net begin mrust iit a = . -icy cage utrtil the Iasi acx of oot~iracy, the Corot rtasaaed tl~t . ~: t factsre~atiag m that time ham. beta pleaded ~d the sorictt~ cff Fs.PI.~F--. No.10I9(fl ljad been meta - - - .,~ - - - - Id Z'~e and Cmen Court went on to hold that the glainsiffaeedexi to inc~itd tip dales - ~..~ ~ - - that•"8 [mil •[djefradst:ts sotae idea of wi~fiCr a limi~tiaa of actiatt tvt:,e indeed `a~ra~ale-A ~Id acca~ndSttlp u Cotn~~ 9l0 A:2d 775.78? QQ6): • _ scat credit card ~ taquims a debtor to malx muiirEteua y - '' .. psytndorct- ~ m tbe.utnq~te nature of sucGt seats, a dehtcn is talIg a~ta t~tmdy a - .-:3AN.13. z010~11 % 34PROTHOt~IOT .. _ - . .1 defsisit is r3't for. exa~le; by payutg die min balance due for peb~ar3r ~ ffie rate . . •,- ~fee farJalutasy. ~Ia.such cases, Jatruary's defsutt (akneg aritt~ the creditor's breach v€ao~a~ • 'claim~.is.ei~cctively rendered trwot when the debtac rea~ecties it by payiag tlua cn ba~taaca .due for Fabmsty. if the debtor does not remedy 7anvary's default i1t FG6t~sgi, she .trst~llX v+rill ~ able ifl remedy the defaults of bQrh in l~iarch. ~~r~gly, a debts mho con~c~atively fails to pay continually breaches the credit csFd agresrnent that rem monthly • psytttents. Tlcutetheless, each staremea~t provides I~er with ~ new oppottu~ty to taro~y hra breachcs; 11~t bang said, the curse of action aecrrres v~shhea the creditor ao loctg~psnvides tIu• debtor with alas opp~rEunity, a g., when the cxeditCi close's out the account boys s thud • . .~ .. p$rry to~tecover the ataaunt due. ~ - . . _ :-'~ Catrrt holds tha# a cotaplaint.g dam for the reach ofa ccatd .. . agrecmeatsads~es Rule 1019 inregerds to subdivisiaa (t}'s requite~meut that t~ '-. sp -armed so;laag as the'~[d~efendaatQ L~l sonic idea of yr a n of . ~' ., - ~• • ~ ~- • actictu~n:d~n~s Cpl available." Jd 'the roust cantanr a sp~.ci5ed~e or dates- . .•. . ~ ~ • from why ~ is ode clear whether.the plaiati$has cx~plied wltlz tha fvnr-yes~se of - . ~ 1mutad~as. ~s.R;.Civ-1?,1419(fl; 42 ~a.C:S.A. $ SS?S(aXB~. Contrary m Defesus . ohjeetton,. it iicars Aar need to."state the dato of tis; oom~u~xaient of the alit s,~ .s•. .. - . ; I~tbc rant case, Plau3tiff Gas sads~£ed this cute. t'Ta~rciff pled that ~[o~ ~ t~ .• .: ~ .. • ~' 2005 and#," ~efeadarrtbreached herd duty tQ pay. tt-~~~ Firer, • Plsfritiffpnontiiled~avideacx that substantiares the aka by attae~tg art aco~t . ' .. regatdi~ig ~ootutc boas during tl~ period of June 28, 2005 Jt~jr 2$. ?AQS. - • - . f f • t! _ tl . 3 1 =~ .- ~ . . •~ _ -~ • _ ~: ~' • •} -_ . , -JAN 13 2010®Y li ~TFIa'10T ~ ~ _ .13~ i i ~. ~' i,; -• ~~ i - . ~~ 1 1 _j -I .. - ~ .l - ~~ .. ~. r E -. _ fi -- i - .. -~ .- ~ 1 -~ _ __ ~ • j -~ . -3 . .~ 1 - - • - ~ - _ (COTt3~:.~t.•AZ.~ 'ihC CE1t dispiays that; dunng flue p°-1'lOd, ~Ct'S W8S debited $ i 24 84 foritems that she gurchased and credited ~2QO.~ for a payate~t the sd~ tns~ ~~ _ (Id.} iL~elso that sha make her next tainimtnn crtoatthiy paysucat in the t of . . ~~s~:oa ~ Augnst 17, zoos. (rd ~ . • ~ . ~'~; ~ the damages ~~ must bw ~te~l, Rule i ol.~(fl ~~ states tic "+em~erucs ..~.~ - of ... iterrfS of spxial damage shall bs sp~ifically stetexL" Pa:RCiv,F. i Q19(i)r Q~ Supcet;te _s. - ... - Court has-diszingnis~ed These sv~Ued "spArcaal damages" 1~ "genecaE damage • Damages are either general, those which are the nsuai aad ardinaiy . . ~ ~ ~ . oozes of the wrong done, or sgrciai, those whic4 acre toot tIte usttal6 aid - y pn~ of the v~rong done, but which degaud upon - - c3rta~aaoes. t3eaerai damages tuay bo proved witbotst big sp~ially - - • • ~Ieeded, rise aveatnetu of tTie facts showing the wrcag dose bang ~a . ~ =e~tle plaintiffto establish them. Sp~ial damages, oa the ~ . .. ~ ~e flue special fasts giving rise to them ace aveaed. '. - ~ - - . • s . Parsons ~g Coi..,v.13ol~aat,167 A. 3 t Q, 312-(Fa.i 933} (citation ontitted~. biy, a credita~sI~rsoeg.forbreach of a credit card agtecment seeks to recoves gma~ ~ spectsl . - . dstitagesi. Spraficslly, tha argumert would be that "the usuai sad coflse~nce" ofa . . debto~~ ~ose~y.~ ~!- fat he ar sba hxd bees lent puts tl>e ~Stor ~ ti~at ~ - . __... . mo~ae3.-; a~~Fteuiu, if-invested iA a savings account, for exauip2e, w~1d aecrus intent. - . . .. - . . A .eeor~lu!gh<'=.a txedrtor could u~eover that satotmt in general damages. Howeve~y i~ credit card- . r . collecdom. c$ses; the creditor seeks to ;eaves mare; it sseks~ to recover the $mourrt . ~ plus tip s. .:e • .has putseiatd to due, in mast-af not all-- ~ teseus of ~. the sxpd s~anapt. A~xrsdittgIy. Rule 1 Ol 9(f} regnires~the c~tar to p3e~ the "spxi8! facts," fie., ~tu~;eons of the sgc+eemeaf regarding the mter~est rates. of it seeks ~ maaEVer this • e' - .. - ie t~.1 -_ _ i ' JAN.13.2010~'i 1 ~ 35ROTHOt`I~~ .. _ 44.14 - - .. - ?. .. ~ - - _; .. .. Nc>aetheless, Peansyltran€a's.st~td$rd that ataj oomplaiat [rs] setffccte~tly c ff it .• • .. : . [simglX~s the advpaity with ermuglt facts to enable ~ tiD &ame a pmpe~aaswer •,• _ . and $.defeasa • + • pl g damag as we1L Camrrrarrweatth ~ tit hfitk ~ - P~Q?t?'e " a}~plies v~fien~ eadut es, .. ~~ Bd s- S~crCyl~rook Dairies Irrct 370 A2d 765, 768 (Pa.Cmwlth.l9?'1}. A.xat+daetglY, ~ 1©2S(ax~} objeCti6n "is not avaiIabte as a tool to cosnpei an opposing party to pied evidence, and evilt hs [ovtmvled] wherethe d~Is ofitemns ofsprcial dsmsges, plead~`~iiy, ate zeadily oebydiscovery_" ~'d (ciatiotts amitud}. - - • ~ in cases icn-oiving credo card collection, the debtor has "enough facts m e€~ie Its to frame a P atiswei and prepare a de€ease" even if subsecieieat cliaages to ate itrtt~ ' agree~rt.areno~ pleadedm; or attached to the complaint, tat Iadeed, Rule 1 t)24, Wis. . Effect of Ram ua iStgty; P~mits a defeadsat.~ admit, deny, or state "that add bl~ • -:s - lltV~~lG'~' 8~,].IS tout 1L .bWledgC or iufotm~ioti st~r&Fie~t btt fottp B18S tlQ. .. the tre~sh.:a~r ~a 8r~ment :~ . ^ Pa.R.CC~+.p.1029(a}~(C). R~ccardiaB~tY~ emdar Rtzle IO19~ ar coil3ptt greed tv "include the aracra~its of the olesrges that are part of t~ die, t~ .. . dates a~~e crod~.ts €or l~ if aay, dates sad atnartnts of interest cl~eg~ attd :. , _ . dates ~- :of ather•ctarge~" because tt~ $lleged debtor caa "ans~r rntly aad . _ ..: :~ _ • detetmiae t items lte caa admit sad what }K mast contest" re~dless 51rer~ 153 P.I..J- st 112 {e~ .,added}; Clr~veruiine, ? Z'a D, dt CSth at 156. - _ ~~ ~~y~..,~~~• Plamntiffalleges that the "entire bslaiiee due" es a prime t of S9,6S3#92.p~ `fie fat~r+est [~atj bag aocmted at the ~ of 6.00 peg aintttnrt ~ ~~ - - • [si~e~ - Ma~h,21, ?At1G." (.td ~=&~10) R7hceas this alleged `principle smaua~' is y ~ . `~V++,~~±w Of tlie: tI2QSt [~C~tlt ~COOUIIt eY1t tl]~t P~Bit~il~f bffi ~ ~! S~ppCSig _w~ti f r .. i. .. ~ . _ ~- ~ .~ ~- .~ .~ . . • . ./ . 3 . f 1 i ,. j f .-. ~; f ~i i. . _ .. ~ _ -~ . JAN.13 - - _ ~ •• - .2010®1]~; TFtONOT - -1 ~ • - ttsat "tile:cletaiis c-f iutas of speoial damages~j [arej pie;adad generally " ~erybroo~Dairies, . • - -. • • ~ 370 A2d at 76~. Qearly, ttze previous balance consists of the amount that the cst~fiitos - - ~ ~ ~ - ~ i behalf of Defrndattt, as well as the interest and other fees that had accrued advanced on = . w ll t h b dil h l N `h ' . e ese amoun shay onet ess. t r y e s ~ ea pursv~tt Lo thr CEedit card agreetnent• Y 3 abt~~ble by discc:very" and the Covet does nat sostain Defendant's objection b~~ ~e certainly hes "eoouglC facts" to answer she Cornplaint< Id - - • •' T.o be clear,~e Corot is nct holdis:g tint a creditor can recover daFnages (~ereera,! or ... . . special} v~ritlxoa~nt proving them. ?his Court certafnly would not enter as order g a motion ~ j . ~ ~ . far judg€neat on xIm pleadimga ar summary judgment in favor of one without proof Hoc~rever. . .. ' • ~ proof is i~ot =egrored ~o overrule Defendant's ~r nbjeCtioa asserting that Miff most - - • . ' now "spIlx aecQt>a~ for the ptaspotTed sums outsf~n~iig wad for the amea~s in dis f-ut~." . _ .' ' ' • Il, , -~aJl42- Legal. It~ff'ciaxgr of a Pleadiaa (Demufret) - s ~. - - . Its ~ of a Rule lt>~&(a~(4} olsjectioa, rt is noted that the Cotat isto abide ~Y . . ' . ..the foltoy~ng- •r+ > .~: ~ f ' . _ +ricavia~ the dis':aissal of a c~mpleitrt based upat: preluusaa;ry ~ ~ ~, @ t+ ~ objo~mss in fire aattua of a detrrtura~, we treat as true all we!l~leadcd saa~rial, i . ~. .fsats and elf ~ featly. doducibk therefrom. Where t)~ . - . • ~ - ~r.~ectious will s+csvlt in the dismissal of the actfon, the objecaieas • - '. ' ~ be ssrstamed ossiy in uses that are clear wad free frown doubt To be cksr . ~ ' and Frx~ d+oubf that dismissal is ap~proptisbe. it trust appear with ~Y - ~ $w Iaty- woald not permit rasavery by the plaimiff upon the facts avca+ect, _ • - . - .'~aq djoesbt sboutd be resolved by a refusal to sUStazn the objaetions. - - - . f •. .. ~~ :. S~s~ishef fir: 3~ R2d 1728,1230 (Pa.Supet.ZQOS) (gtzating Reevesv. aLlturC8~n~14thletfc - l . dss'e~/t~ti l f !~ l 122 (Pa.SttPer'?AQ4}~'- ~ - ~ ~ ' - ' . ~ . • .4• ~ ,- .- ... .._ _ . . - - ~ - -: ----,J~1.13.207.0-~1~..=.R4TNOi~IIDT .1 -- - f - .,. ~ - . . - - - ~ .. ., ~. - - - ~ ~ ~ ~ Z • ~ .. - .. ^ ~E3 eslsbiish 8 oeuSe OY arctiOA for brescb ofc~ract ffi P~tuisyIvauia; t~ lrlas~iff tnvst ple~d:~"{~~ tI~e ~ of a contract, including iu esse~tisl , [2} a b~ch of~ ~r imp~ed by~c.cootrsct and (~} resultaat dama~s." Car+eSitateaBcmh~ N.A. v C~t?23 A.2d .. 1033,14~g (I=a,Supc~ 1999) (citing Garr.. Stare ~xtk- v Cotettrart Cable ds K'ue ~~ ~5 A..Zd 1347, 4~.(Pa,Cmwltb.1916~). "~Ntuie sat eveYy tears of a conteact must ixi stated ~ Eoatpletc . ~. ~; detail,-e`teryelemeat must i~ specificallp pieaded." 1d (Firing Snarth v. Sattrith, ~~ A`2d 1379, SZ (Pa~np~ar:1g80~ ~ ~ - ~ iega~r~s io t3ie fnrst eTstneat, "~ijt is settled Iaw t1u~ t~ offeror is mash a€I~is offer. snd his prgvlsfon as to time, place and mm~ser ar mode afacr~tanee m-tst be clod . witti[[.j" ~ ita~ Schaiaclrp. U.S Iaabiltty Ires. C'o.,122 A.2d Sd9, 5I4 (Pa_195T}, AID[ the . . Passage a~t*~e ~ pantidcd the affenu witft Qe~ ways tri his offer. thl~ . - iM~P.~~ lawstill applies.. . . . •. -~c~ce:-a}F~t v, Gaogl~ Irk, SIB ~.S~ptiZd 224 (E.D~a.2au :advertisertcn~sa;5ttemet websi#e.sued tbe.we~te npet~ot for aIlegectiy o~6il~g~im,. ld. at .231-3~ =."fit issoe ~4tras tla+ caforoeabitity of a fnivm sr~Cxitat elartse in s ooatra€~ i~ whic~i the paraesxn~ered a>t~ tie intaaez. Id at X31. SP~~Y. "[tA~ tYPt of enact a~issve _ . . • (wasj ~~m as a `cIi~' W" "appears ona~ .~• .. urehpa~ ~~~ a user consent to asr}r:trxms or ooaditions by clFckiczg as ~ t~log bo~c .. ~ ' on the f aoa~a io proceed with the iatexnct trmt~ti~." Id at Z35 (aim ate) . • '1TheFecsaauts6aad: ~ ~ ~ - - . ~ ~: - Ta ahct3~r a clfckwrep sit is eaforoeablG caurfsprad r tlx isar~c app!}+ tradlrivrtal prtrrci~es of o~trrrct law arrd ft~ oi` ;er - - - - -- . ~ -: , fR~~l Gaaitr_a~sn~ble notice o,~iaad mean~estedassesN ro the cl:~ . - . Sent, a•altowiog of fraud. fbilutc Do Head see enforceable c • _ . ~ r. Z -~ f ~' - . - 'f l- ~ - ~~ . -~ - i .~ t e ~ ~- E _ - - t • ~. - _- ~ -. ._ -.tart, a.3 . zes 0--t ~ :~on~rtor ~ _ _ _ ~ ~-p_ it . ~ -- . " . ~- . ~ ~ ~ . ~ .. ~ Wit; as witk sny binding ra~tcact, will not ~ oornpliaatce ~ ~~ - ~ < - . ~~~~{~ • • . 1d (exnph~'ad~. T6ea. it ooni~itlered die pta~itif~'s arguraeot that "be its ':•' _.; . _ - . ~. _ or knov~led~e of du €o~am selection etavse, and thcref~e that tie vas sw `mom of tip ' ,,. minr3s~ ~regd €or c~rsct formation." dd at 236-38. _ 'The~i<e~rtat•ootutFejectecl this argtfinent, stst2ng • ~ - 1 ' ' ' ' ~.: [wrap] [a] greernent gave reesonabLe entice of its teit~. ~ a~iier 3 • .: tti a~ivate su{] accotmt, the user lr~d to visit a webpaga wbfeh ~'!~ . ` ~ ' . [ajgrecmcat is a secaIlabie text ~-Gl . ~.. [whtahj was u~ vis~te ~ ~. as v~res a pt+amineat a~motntion is boldfaoa m read tip texas sad _ .': the Haar, _• . ~ ~ tio~s ~fiilty~ and with insbnzctioa to indicate assent if the asar m ~ ' ~ ~ the teaffs. . ~ ~ i - ... j ~ s: t A qty t inte~net ~ v~iouid haste kt~on~ra cif the of- ~ - - . ~ . , ; ~ is ~e p jaj~erment [`~] [pjk~ffhaa. #s bare had r~atat~e ~~ . ' : of ~ trans. ~' ~ oa "Yes; Y agree to t~ a6€we terDns sad eon ' ~ ': - ~: (~~ (P]iff indicated assent to the tenuS. 'l~efote, ~ . - -. ~ , .. ~ ' . ~ . tee of an gcgress for re~alne ao4iae offetaa< ~ _ ~ . ~setix5ed. P18intiffs ire m rind tiie t~ if thataaoe~e . ~ - • '' ~ does neat him. from i botma by im exprrss ate" - r . - _ Id at 238. ~ : . . .. -~-. . _~ Ia m eaaiit card agr~meats; ty~calty, sn afferee recxi~es ~ cmd isswei's . .' '. a~ w_ bich oansists of the aatEnre of the agr~necrt, te, the teens er~ ~e offer, a~ Qffer ia;t~m • . . ~ ~ - _ _ parh~isncGccerd itself (the offcre~ may eve iu4itaod the tit casd iss+r~r tDu make tins t f c. ~.~ ~' ~ j o~aaeditcacd ar the a€&ro~~yl~s!'emacl~the Q~af it: owe of~e ~ . " • Y~~.ttit; Q1D DffCtEB 7S is pOSSe9st6ri O~~ crept C8!'d, IUG ~ SIC hss t'6e a@~pn O€ .. ~ • ~ ~ `' _ `` .' .~'p~ ~ ~y tllnPS, t>,SL}I~ t~1v°' C~Od1[ CBtd ~ ~ 8 p4a+Ci~e.ces - - . . . ~ ~ acee~taa~;,: 3~ Ioag ~ tjte credit card user."5~ad reasosabte notice of and to _ JW~1.13.20i0-"~i ~ 37AM_ "'~°~ROTI~OMDT ~ ' ~ -. is•"-- a _ . ' .. - . 1 . tha credit e,~d.agreermetd, he ar she is l~ttnd by its terms b~tse tla; Ci'cElrt card s ' ~ ~. v~szan as to time, glace ami tQat~ ar mode of aeoeptsnx ~tis# b~ compliocl ~ ]' : ~ '" . J~eldFna-t, 513 F.Sttpg.Zd 229, 23~; Varc iac~ 122 R.2d at 514, ~ - - f -- ~ :~~ the instant ~ l~fendaDt glleges that "Plaintiff' does not teach any ~. .: - i< - Le]ontsa~ctor'[ajg~reetaent, sued ar crosigned by Q I?efendaatt. verifying the exis~tc-e afthe - - alleged cre~at aceountor an agreement tct tt~ gv~rted terms and con~itimccs." ff.'s 13r_ F~elim: Qbj'ttS. 3:~ "'iV~out mott^," lie€e~ant proe;eeds, "it is impossible txi dise~ from f j • Plsintif~?s Coraglsirit vvbethcr Defe~ndaat even agreed to a credit aocaunt vfitb tisa al~ged ~ j . . original- ci+e~tor or what the teens were agrreed to:' (Id) : ~ .. ~ . ~ ~ ~ . . - : 'I~ CazaglmEat belies this argu~t, It is a,tleged-that D~eac3ant ie~ ~tLe ct~edit ~ - - ~ ~ card `•` {fie] rewalvigg d credit card aceowtt :.. subject. ~ €fre stud .. I ' aunt a~+xment." (Coml. ~ 5 j ~s that ed ia.2i watEefi - tein~6 aa~.cx~odEtotis . - I - - - ..r K$ ~ •^'~ 0~~ `~!Y`,^"!"r`~ is i2Ltiti:~ tQ tllG Wui~l~s~i~. ~[if,j j~~ ~'S . .. _ ~. of the in p~naat p~u't; praviEies: - ~ . - - - ~ . ' ~ ~ ' :; isth~ meat that establista~ tba teems of yanr Ober Rat - : - ° t~`~1AOOt with First q ('wcluding arxxam~ts opened with ns dtrpugh ~tla~ ' ; - •. - _ t'i~ 1 our A~Ias~f~d/Y~s prog~un and whose Warne ~ be ~ Y ~ ~ the face of yvt~r turd}. Plisse xcad rt earefrdly and beep it for yotw ~d.4. • - - _ = l~e~r~ got aeedlo.r~gt rhisAgree,~ten~ but plcssa be stu~e to sfgn the b~ cif - ' - = yaws t~xl:cf you have not already dams ~ All extensions of caedit ~ - ~ boa with your Account ate being made by I~st Q. Arry use a, f- ward . . - .. ' lJ~'~GR07t-~ CO~S3+OLlT ~lQt7C6 ~iTtB [CTRtt Q1TL~ COlidfilOJfS: O,~f - E ' t ~ - - .. ~ , - ~ . ~ Ord ~ add.) ~ `~aivcrs that the Defendant aooep~d the ~en~ns ~ ~ ~ . . ~ ' ~ . oo~e oche mvolv~g open. emi cry account o ~n the wed arid: - . f - ' ~ ~.6iyy ~ ~ ~O~LLS ~ ~ ~: ~V Qr W V ~ l~iii\c.{L t F ' - . •j r ~~ ' s C - = ~ - - - . J'AN.13 .291~t~::37At't°}~7ti~T ~ - -449.19-'j - - ~~ ' , ~ - . - - - - - ~~ ~ ~ advancts~;]~ sadplaintiffwent asteP furtherbyptovidiag evidenced sttbat~et~s - - - ; j•- - _ I't~c ~i+rt hods ~t _ ~ . s11eoYt ~ atfachiag;eight of her acs;ount sf~. tld ~~7.} . - - ~ ..Y , . -~ .. -~ - . • • ' plaintifFhas sufficiently pled "the existence of a contract," snd by ~ehing a eQpy afttte Mire - - vc~ritteai- a~couat agreement that Defendant allegedly received, Ptai€ttifl; has `~.nciude~ed] its ~ - . . - . ~ • essentieF te~mst ]"- CoreStdles Berm X23 A.2d at 1 t35~ (citing ~er~ Strafe ~f urh., X65 r~.~cl at i • 1349):'rhus, Plaintiff has satisfied the fast elemem of its breast r:f ctttttract clsitn . . ~ ~ ~ • .. ~ 4Ths t~ziai'two elements sre also satisfied. Plailztiff pled "a. breach ©f a duty i~mpased by • ~ - the cottttsat" qy that It is alleged "Defendant failed tEt make paymeats as they berme due," ~ - . ~ -. __~ . WI11Cp1 W33 ~`1I1 h Of OhllgatLOriS Ull~er the E81g~eIlt-'~ ~ i ~~'.Q~p~' q ~'} `F`tt~l!.Sf~ ' `~ PlsirttifPp%d the "resultaat da~ages" of. the ptincigle be~ce deae gltas tfte ink t~ it has - acciuedt : 7~3 A.Zd at .IOS~ (citiag 36S A.2d at 1349); Cam- ~ ~~ 9-? ~ - - .. •z. .. - - . .-*lstaiut'rffitas.spe~cally pleaded each ©f ~a three slet~ats that it wall ~d ~ pc,ove in • - - _. " . - .. .. ~. order ~.tcf-~eco!~r against Defendaat for a lxesch Of contract claim. ehds~'s R~e.'E 0~(S~4} - S _ - ~ticai ~ therefora~ o~retruled,. ~ - - prlei i>y; obj . t - _ • ~.~. i ~' . i /[~ • .. . w .. q .. '~ .. - ' ~ i - s + ~ .~ '- ~ • s .. - . - 1. ~ s• . ~ ~ - ~ ~ ~- '. + ~ - S - .. ~ ~ . - , 1: ' ~ JAN: 13.2010~~:~3R0'fH01~10~ ~ ~ - : .449"'-x..28 ' . } - .. • ~ .. ~ ~ co~orrw~ar,Tx ~nrtaxacrAL ~ ) . ~ nil ~ couRT:o~ corer©~ ~ . . ~ ~ .. . SYSTEMS', INC. assiagiee of LTNIFTJND' ) • PLEAS OF SOlBT CC~[3I~1TY,: - ' - - - ~ . • - .. PORTl:OL,I~.A,; LLC; assignee ofCHASE ) • PENNS'itLVANIA .. ~. . BANK LISA, N.A. ) . . ~ ~ ~ ) - - • Plaintiff, ) NO ~ CIVIL 20Q9 ~ - .. • ~t. ~ ~ f . .. ) .. j JENNIFER >w REEPINa, - ) - . •. =~.4ND ao~t, this s...._, day~•of ranuary, 2t}i0, is accordance ~tb. t~~ fa~+eg~g. - i . Me~morandtun; Defendant's.13reIiminaiY. objections ~ are OVF.it.RULED. ~ and Q i~ - -- t.. dirocEed tro.file'~n Aaswer to the Amended Comp .faint •evitt~in tv~ity ("L~Q) ~daya. - •. _ - - • ~' .' ~` ~.. ..~ BY'l'HE COURT: . ~ ~ . ' . ' . ~ ~ - ~ - J:~. . •~ i .. - .. - ~ David C. Klementik, J. ~ - . • .i • - - , .i~ _ . •. _ .. - JAN. 13.2@ig°'-1~•; 3Bp11-IONOT . ,.. ~ .. • . ~ . i y; ~ - . G~9aryT.~Artim, Esq ~ ~ - . • - 1.751 ~ [:incoln ~i~hway ~ f ~o~ ~e.PSai ies, Pa ~ 15137 ~ . Chris#oper R.•.Gites,~Esq: - ~ - - ~ .. - . . ~50'South Allain Street ~ ~ . ~ ~ ~ ~ Sui#e.2OD. ~ . - ~ -- _ ~ Greetjsbu~ ~ ~ ~ .. ~ - ~ : { . , _ ~ Pa. 15601 J '~ '~ ~. - - j~ .. - _ .. t _ • - - ~ .€ • • ~ ~ , - •• s AMERICAN EXPRESS CENTURION BANK, PLAINTIFF V. MARGARET DRAGO, DEFENDANT IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA 10-3841 CIVIL TERM IN RE: DEFENDANT'S PRELIMINARY OBJECTIONS BEFORE HESS, P.J. , OLER, J. AND MASLAND, J. ORDER OF COURT AND NOW, this ~ day of October, 2010, Defendant's preliminary objections to Plaintiffs complaint are SUSTAINED. The court grants Plaintiff leave to file a legally sufficient amended complaint within 30 days of this order. By the Court, Albert H. Masland, J. /Michael Ratchford, Esquire For Plaintiff ~ Ashley M. Derr, Esquire ;~~ ~--~ `=;-~ For Defendant - ~~ --~ Cop. ~s ma ~l~eA ~ b y iv `~,W ~ ~: • ,,,, - ` Y/ ~~ C~ ~~ ..~ ....,~` C~_? t..,a'~ 3.7 AMERICAN EXPRESS IN THE COURT OF COMMON PLEAS OF CENTURION BANK, :CUMBERLAND COUNTY, PENNSYLVANIA PLAINTIFF V. MARGARET DRAGO, DEFENDANT 10-3841 CIVIL TERM IN RE: DEFENDANT'S PRELIMINARY OBJECTIONS BEFORE HESS, P.J. , OLER, J. AND MASLAND, J. OPINION AND ORDER OF COURT Masland, J., October 4, 2010:-- Before the court are the preliminary objections of Margaret Drago, Defendant, to the complaint filed by Plaintiff, American Express Centurion Bank. For the reasons stated briefly below, Defendant's preliminary objections are sustained. This is a collections matter arising from an allegedly delinquent credit card account. Defendant objects to the adequacy of Plaintiffs complaint on the grounds of improper verification, failure to identify the nature of the underlying agreement, failure to attach a writing, and failure to plead items of special damage. In Atlantic Credit and Finance, Inc. v. Giuliana, 829 A.2d 340 (Pa. Super. 2003), our Superior Court held, in relevant part, that a complaint in debt collection filed against credit card debtors is inadequate if it fails to include a statement of the account to substantiate the amount allegedly owed. Here, Plaintiff has not entered such a document into the record. Instead, it simply 10-3841 CIVIL TERM states a sum Defendant allegedly owes in the complaint. As such, the complaint is deficient in that respect. We next address the verification issue. Plaintiffs complaint is not verified by a party to the cause of action, but by Plaintiffs attorney. Rule 1024(c), states: The verification shall be made by one or more of the ap rties filing the pleadings unless all parties (1) lack sufficient knowledge or information, or (2) are outside the jurisdiction of the court and the verification of none of them can be obtained within the time allowed for filing the pleading. In such cases, the verification may be made by any person having sufficient knowledge or information and belief and shall set forth the source of the person's information as to matters not stated upon his or her own knowledge and the reason why the verification is not made by a party. Pa. R.C.P. No. 1024(c) (emphasis added). Here, Plaintiffs complaint is verified by its attorney without providing any explanation for why the verification is not made by a party. As such, the verification is deficient. In conclusion, Plaintiffs complaint fails to include the necessary statement of the account allegedly owed and is inadequately verified. Accordingly, Defendant's preliminary objections are sustained. The court grants Plaintiff leave to file a legally sufficient amended complaint within 30 days of this opinion and order. ORDER OF COURT AND NOW, this day of October, 2010, Defendant's preliminary objections to Plaintiffs complaint are SUSTAINED. The court grants Plaintiff -2- 10-3841 CIVIL TERM leave to file a legally sufficient amended complaint within 30 days of this order. By the Court, Albert H. Masland, J. Michael Ratchford, Esquire For Plaintiff Ashley M. Derr, Esquire For Defendant :saa -3- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION AMEK CAN EXPRESS CE314TURION -1109 Plaintiff(s), Docket No.: 10-3841 civil term v. MARGARET DRAGO, Defendant. MOTION TO DISMISS WITH PREJUDICE Filed on behalf of Defendant, Margaret Drago Counsel for this Party: Ashley M. Derr, Esquire Pa. I.D. #306604 THE J. MURPHY FIRM 210 GRANT STREET, SUITE 301 PITTSBURGH, PA 15219 (412) 521-2000 b n-t '@ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION AMERICAN EXPRESS CE114TURION BANK, Plaintiff(s), V. MARGARET DRAGO, Defendant. Docket No.: 10-3841 civil term Certificate of Service I do solemnly swear that a true and correct copy of the within MOTION TO DISMISS WITH PREJUDICE was delivered to the below parry or counsel as follows: Michael Ratchford, Esq. Edwin Abrahamsen & Assoc 520 North Keyser Ave Scranton, Pa 18504 [ XX ] Via First Class U.S. Mail, Postage Pre-Paid [ ] Via Facsimile: [ ] Via Certified U.S. Mail, [ ] Via Express Mail Postage Pre-Paid Carrier: -Article Number [ ] Via Certified U.S. Mail, [ ` ] Other Method as follows: Postage Pre-Paid, Return Receipt Requested. N41ey M. Derr 11;05/2010 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION AMERICAN EXPRESS CENTURION ) BANK, ) Plaintiff(s), ) Docket No.: 10-3841 civil term v. ) MARGARET DRAGO, ) Defendant. ) MOTION TO DISMISS WITH PREJUDICE AND NOW, comes the Defendant, MARGARET DRAGO, by and through counsel, The J. Murphy Firm, and Ashley M. Derr, Esquire, and brings the within MOTION TO DISMISS WITH PREJUDICE, averring in support thereof as follows: 1. This is a credit card case in which the Plaintiff seeks to recover a balance allegedly due from the Defendant. 2. The Honorable Albert Masland has previously ruled on matters for the above captioned case. 3. Preliminary objections to the complaint were sustained by Order of Court dated October 04, 2010, giving Plaintiff thirty (30) days to amend their complaint. Said Order is attached hereto and marked as Exhibit A. 4. Thirty (30) days have elapsed since the entry of the October 04, 2010 Order of Court and Plaintiff has failed to file an amended complaint with the Court. WHEREFORE, Defendant moves that this case be dismissed with prejudice as a result of Plaintiff's failure to comply with this Court's October 04, 2010 Order. Respectfully Submitted: T J. MURPHY lRIV ?lT ! d ?shley M. Derr, Esquire ?1 /05/2010 11' (Counsel for Defendant) I AMERICAN EXPRESS CENTURION BANK, PLAINTIFF IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA V. MARGARET DRAGO, DEFENDANT 10-3841 CIVIL TERM IN RE: DEFENDANT'S PRELIMINARY OBJECTIONS BEFORE HESS, P.J. OLER, J. AND MASLAND, J. ORDER OF COURT 8 AND NOW, this. - day of October, 2010, Defendant's preliminary objections to Plaintiff's complaint are SUSTAINED. The court grants Plaintiff leave to file a legally sufficient amended complaint within 30 days of this order. By the Court, ?$" rs Albert H. Masiand, J. Michael Ratchford, Esquire For Plaintiff Ashley M. Derr, Esquire For Defendant saa 'mss, ? ? a?. r ?, ?! AMERICAN EXPRESS CENTURION BANK, PLAINTIFF IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA V, MARGARET DRAGO, DEFENDANT 10-3841 CIVIL TERM IN RE. DEFENDANT'S PRELIMINARY OBJECTIONS BEFORE HESS, P.J., OLER, J. AND MASLAND, J OPINION AND ORDER OF COURT Masland, J., October 4, 2010:-- Before the court are the preliminary objections of Margaret Drago, Defendant, to the complaint filed by Plaintiff, American Express Centurion Bank. For the reasons stated briefly below, Defendant's preliminary objections are sustained. This is a collections matter arising from an allegedly delinquent credit card account. Defendant objects to the adequacy of Plaintiffs complaint on the grounds of improper verification, failure to identify the nature of the underlying agreement, failure to attach a writing, and failure to plead items of special damage. In Atlantic Credit and Finance, Inc. v. Giuliana, 829 A.2d 340 (Pa. Super. 2003), our Superior Court held, in relevant part, that a complaint in debt collection filed against credit card debtors is inadequate if it fails to include a statement of the account to substantiate the amount allegedly owed. Here, Plaintiff has not entered such a document into the record. Instead, it simply 1'0-3841 CIVIL TERM states a sum Defendant allegedly owes in the complaint. As such, the complaint is deficient in that respect. We next address the verification issue. Plaintiff's complaint is not verified by a party to the cause of action, but by Plaintiffs attorney. Rule 1024(c), states: The verification shall be made by one or more of the parties filing the pleadings unless all parties (1) lack sufficient knowledge or information, or (2) are outside the jurisdiction of the court and the verification of none of them can be obtained within the time allowed for filing the pleading. In such cases, the verification may be made by any person having sufficient knowledge or information and belief and shall set forth the source of the person's information as to matters not stated upon his or her own knowledge and the reason why the verification is not made by a party. Pa. R.C.P. No. 1024(c) (emphasis added). Here, Plaintiffs complaint is verified by its attorney without providing any explanation for why the verification is not made by a party. As such, the verification is deficient. In conclusion, Plaintiff's complaint fails to include the necessary statement of the account allegedly owed and is inadequately verified. Accordingly, Defendant's preliminary objections are sustained. The court grants Plaintiff leave to file a legally sufficient: amended complaint within 30 days of this opinion and order. ORDER OF COURT AND NOW, this - day of October, 2010, Defendant's preliminary objections to Plaintiffs complaint are SUSTAINED. The court grants Plaintiff -2- 10-3841 CIVIL TERM leave to file a legally sufficient amended complaint within 30 days of this order. By the Court, Albert H. Masland, J. Michael Ratchford, Esquire For Plaintiff Ashley M. Derr, Esquire For Defendant :saa -3- NOY 15 2010 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION AMERICAN EXPRESS CENTURION ) BANK, ) Plaintiff(s), ) Docket No.: 10-3841 civil term v. ) MARGARET DRAGO, ) Defendant. ) ORDER AND NOW, this e? day of 2010, it is hereby ORDERED, ADJUDGED AND DECREED that the above captioned case is dismissed with prejudice. BY THE COURT: J. 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