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pLED-Gff-7F ? TARP t?F Tt-!E P !efi,1'? CUMEEjy' 't"lo COUNTY pU4;,SYLVAN?A IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. JOHN TYLER Defendant No : 1b - 5(45(o ai, tk tem, COMPLAINT IN CIVIL ACTION FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh; PA 15219 (412) 434-7955 FAX: 412-338-7130 08560040 C J Pit SJS IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No JOHN TYLER Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 Q U-00 Po ATTY 2'? a? 7s8( COMPLAINT 1. Plaintiff, CHASE BANK USA, N.A. is a corporation with offices at 200 WHITE CLAY CENTER DR NEWARK , DE 19711 . 2. Defendant , is adult individual(s) residing at the address listed below: JOHN TYLER 132 HIGH ST ENOLA, PA 17025 Count I - XXXXXXXXXXXX0408 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number XXXXXXXXXXXX0408 . 4. Defendant made use of said credit card and has currently a balance due and owing to Plaintiff, as of August 17, 2010 , in the amount of $14452.76 . 5. Defendant is in default of the terms of the Cardholder Agreement having not made monthly payments to Plaintiff thereby rendering the entire balance immediately due and payable. A true and correct copy of the Statement of Account is attached hereto, marked as Exhibit 11111 and made a part hereof. 6. Plaintiff avers that the Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 7. Plaintiff avers that such attorneys' fees will amount to $150.00 . 8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the principal balance, finance charges, attorneys' fees, or any part thereof to Plaintiff. WHEREFORE, Plaintiff prays for judgment on Count I against Defendant , JOHN TYLER , INDIVIDUALLY the amount of $14452.76 with continuing interest thereon at the statutory rate of 6.000% per annum from August 17, 2010 , plus attorneys' fees of $150.00 and costs. COUNT II - XXXXXXXXXXXX7236 9. Plaintiff incorporates. by reference each of the preceding paragraphs of the Complaint as if the same were set forth more fully at length herein. 10. Defendant applied for and received a credit card issued by Plaintiff bearing the account number XXXXXXXXXXXX7236 . 11. Defendant made use of said credit card and has currently a balance due and owing to Plaintiff, as of August 17, 2010 , in the amount of $24136.83 . 12. Defendant is in default of the terms of the Cardholder Agreement having not made monthly payments to Plaintiff thereby rendering the entire balance immediately due and payable. A true and correct copy of the Statement of Account is attached hereto, marked as Exhibit "2" and made a part hereof. 13. Plaintiff avers that the Agreement between the parties provides the Defendant will pay Plaintiff's attorneys' fees. 14. Plaintiff avers that such attorneys' fees will amount to $150.00 15. Although repeatedly requested to do so by the Plaintiff, Defendant has willfully failed and/or refused to pay the principal balance, finance charges, attorneys' fees or any part thereof to Plaintiff. WHEREFORE, Plaintiff prays for judgment on Count II in its favor and against Defendant , JOHN TYLER , INDIVIDUALLY , in the amount of $24136.83 with continuing interest thereon at the statutory rate of 6.000% per annum from August 17, 2010 , plus attorneys' fees of $150.00 and costs. .lames warmbrocLt, 42524 WELT WEINBERG & REIS CO., L.P.A. 436 S v nth Avenue, Suite 1400 Pitts u gh, PA 15219 (412 4 4-7955 FAX: 41 -338-7130 PIT TT WELTMAN.COM 085 00 0 C J Pit SJS Payment Due Date New Balance Past Due Amount Minimum Payment 06123110 514.452.76 51,096.00 52,389.76 Account number: 4147 2020 2481 0408 + Make your check payable to: `IJ?J Chase Card Services. Please write amount enclosed. New address or e-mail? Print on back. 41472020248104080023897601445276000000000000009 66380 BEX Z 14610D JOHN TYLER 125 W VINE ST SHIREMANSTOWN PA 17011-6347 Irrrlllrlrrltrltlttlrrllttrltlrrrrllrlrlrrrllttltlrttllrrllrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 160 281: 359 20 248 10408 211• CHASEFREEDOM- p Manage your account online: Additional contact information www.chase.com/creditcards conveniently located on reverse side ACCOUNT SUMMARY Account Number: 4147 2020 2481 0408 Previous Balance S14,255.46 Fees Charged +S39.00 Interest Charged +$158.30 New Balance 514,452.76 Opening/Closing Date 04/27110 - 05/26110 Credit Access Line 513,500 Available Credit s0 Cash Access Line 52,700 Available for Cash SO PAYMENT INFORMATION New Balance S14,45216 Payment Due Date 0623/10 Minimum Payment Due 5341.00 Balance Over Credit Access Line 5952.76 Past Due Amount 51,0961)0 Total Minimum Payment Due 52,389.76 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $39.00 late fee and your APRs will be subject to increase to a maximum Penalty APR of 29.99%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you would like information about credit counseling services, call 1-866-797-2885. If you make no You will pay off the And you will end up additional charges balance shown on paying an estimated using this card and this statement in total of... each month you about... pay... Only the minimum 36 years 534,944 payment $491 3years 517,662 (Savings=517.282) You haven't made the required payments and your credit card account is 90 days past due. As a result, your credit bureau may be updated with a negative rating. Please send your payment immediately or call us at 1-800-955-8030 (collect 1-302-594-8200) today. CHASE FREEDOM: ULTIMATE REWARDS SUMMARY Previous rewards balance 50.00 Rewards earned on purchases S0.00 Bonus rewards from Ultimate Rewards Travel S0.00 Bonus rewards earned at Ultimate Rewards Mall 50.00 Rewards unavailable for redemption 5200.41 Current rewards balance 50.00 Your Chase Freedom credit card allows you to earn Unlimited Cash Back Rewards with No Expiration! You earn a full 1 % cash back on ALL of your purchases with ongoing opportunities to earn even more! Earn up to an additional 10% cash back when you shop online through the Ultimate Rewards Mall. You can redeem your Cash Back Rewards for cash, gift cards, travel or merchandise. To redeem, go online at www.chase.oom/ullimaterewards or callus at (800) 610-5676. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description S Amount FEES 6IL4RGED.... 0523 LA I t FEE 39.00 TOTAL FEES FOR THIS PERIOD 539.00 - - INTEREST CHARGED U512b PURCHASE INTEREST CHARGE 07 05/26 PURCHASE INTEREST CHARGE 119.17 05126 CASH ADVANCE INTEREST CHARGE 38 67 856004005126 PURCHASE INTEREST CHARGE 39 TOTAL INTEREST FOR THIS PERIOD $158.30 EXHIBIT This Statement is a Facsimile - Not an original 0000001 F153333O D 12 000 N Z 2E 10/05126 Page 1 W2 05686 MA MA 66380 14610000120006638001 X 0422 Address Change Request Please provide information below only 'd the address information on front is incorrect. Street Address: --------------------- 8560040 City. - --------------- State: -- Zip'. ----- ---- Home Phone. --- --- .---- Work Phone. --- ------- E-mail Address: - ---__-------------------- L To contact us regarding your account: © Telephone: In In U.S. 7.800-945.2000 1) IC7i ICJ ./U _ U Espanol 1-888-446-3308 Send Inquiries to: Mail Payments to: Visit Our WebsNe: TDD 1-800-955-8060 Pay by phone 1-800-436-7958 P.D. Box 15298 P.O. Box 15153 wow chase coMcreditwrds Outside U.S. call tolled Wilmington, DE 19850-5298 Wilmington, DE 19886-5153 -- 1-302-5948200 the same parieso rsus. Vadable rates vMl vary wth ft. marlha based ca the prime Rate (or aueh aide. described in your Asserted Agreement). There is a minirrum unmet ehuge of $1.50 for such amounl described In your Aweud Agremedi In any binkp Cycle in which yes oseany periodic interest changes, and a tramadionicelor such bffiraetraveln, can saw-, orchecktranescfbn, b fa amounts ended In year AweuntAgmement as It ray be amended. There is a foreign traantion tee of 3% of the U.S dolt amount d any foreign imaaclbn for such amount described In yaw Account Agreement). How to Avoid Paying imored an I§rcha aric We begin MOWng periodic interest dwM on a bonsashion, lee, or Intend charge from the dale it is added a: your duly besree Leda your Account is paid h full, a described in your Account Agreement. Your due date wig be a mteknum of 21 days following the close of each belkng cycle. You an avoid periodic rntned charges an - purchases when they are first baled to a st.I.T t as described below, but t isdoes net apply to baanca handlers cash advances; or craw" advances U you remarks current monINysMmantthat Woods new puchsses and massapayment thatwe receive by the date aldtknethe Mkiim m Payrded Is due fortlal statement, we will amt change penotlic Interest on any portlon of those area purchases that we akacafe such paymeld to, so Irmo is 1) your current satmet aim aim th ad we received payment of the ending balance for your previous month's statement try the date and it= Its Minimum Payrtsd was due OR 2) that the ending baance for your previous moltlr5 siatoment was Iwo. O you have a balance other than a purchase balance and Out balance caries a higher periodic htered rate, you may not be able to awld pniodr: Mere charges on new purchases Iyou do not pry your balance in full each month, because we generally allocate payments fine to fa balance with the highest periodic interest rate. For alP other payments or for any payment type above for which you do not follow our Wkat To Do O You Think Tutu Fted A RDsWe On Year Smbeteld Idarmalba Akoml Your Account Creditlwg of payments: You may make paymens by any of 11e options listed below. The mount of your payment should be at bast your mlet- payment due, payable In U.S. CalWr l and drawn or payable through a U.S. liancial insulation or the U.S. branch d a foreign tirenclal kadtedbn. You ray make paymdds by repair U.S. wiL Send you payment to the payments des shoran an this statemmd. Your payments by mall mud compN with the lodructbrs on this statement. Do not send cash. Write your Awourd number on your check or money order. Pay-ms mural be asmmgadad by the payment Coupon in the enwlsips irmvided with our address visible through the emebpe willow; to envelope cannot mddn more than re payment rr coupon; and there can be a shples, paper clips, tape pr correspondence includedvnih your prynrd. 9 you paYnwd s in aaoraae such cur paymsdinstrrctiom and s made bal lo us deny day by 5:00 p.m. local lane al our payments address on this statement, we All credl the payment to your Account as of had ay. It your payment Is in accordance with bar IaMndnt Instructions, but is made available to Us after 5:00 pm. loud time at the Payments address on this salemed, we will credit It to your Account as of the next calendar day You may make payments ekdronicaly through our wsbeNe d rvn on MS statement. ftwe mxehe ymu ecrrlpldetl request on our withate by 5 p.m Eastern Tame, we will ores t your payment as of that day. If we receive your request attar 5 p.m. Eastern Time, we will credit your payment a of the mud akndar ay. If you specify a future date in your repast sun: will credit your payment as of that ay payment inanreluns, cradling of your payments may be delayed for w to 5 days Account Inmrmallaa Mpuded b Cre al Burman: We may report Information about your Account to credit bureaus. Leis payments. missed payments or other delaulc on your Account may be reflected in you credit deport. If you think we have retained kaccurda, information to a credit bureau. you may write to us at the Indones address 9- on this datemmr. album Abend Seelmde Check Ceavomlon: When you pay by tack, you authorise us either to use information from your obeck to marks a ore-lane eI drmk fund trander loom your acwunl pre to pwRS to paymehd asa clack iraneaclion. Whe-se irif.m ationfrom your check to mein an elestmns turd hander. funds may be vdhdrewn from your aecoud as soon as the soma ay we receive your payment, and you will not receive your check back from your financial irstituion Call the Ctmlorrer Service number on this statement If you have guestaxes boost electronic tack Colecrbn or do not Yam your payments Mimed elxtmnic*i, COrmdilteesl Peymees: Any payment check or other lord of payment that you send us for less than the full balance due that Is marked 'paid In fun' or contains a similar notation, or that you otherwise lancer In full salshclion of a dspuso amount, rust be sent to card Srvices. P.O. Box 15049, Wilnidglom, DE 19150-5049. We reserve all pre rights regarding these payments (e.g., l 1 Is defermiad mere is no sallo dispute or 9 any such check Is raeivadatanyotheraddras we may accept the check and youws still 7Ae any remaining balance). We ray refuse to accept any such payment by mourning l to you, Add codling it or destroying t. All other payments that you make should be serf to the regular payment - address shmvn mn this statement Annual ReMwel Nogg: If your Account Agreement has an annual membership fee and' or similar charge for Issuance or availability of your account, I will be bled each year or in monthly or quartets Installments. This fee and/or charge are owed whether at not you use your Account . and you agree to pay lam when billed. 7 he annual Is and charge am n-refundable Unless you notify us that you ash to cos you account within 30 days or one bating cycle (whichow, is ss) site, we pmvia the statement on which the annual fee or charge is billed all at the same time, you pay your outstanding balance in full. It you do this, for a charge biled more often tan annahy such as a mouthy service charge, you win not we the lad hileft<hare r however, prior billed charges am nom-rdurd bible and mud be paid as pad of paying you outstanding balance in full. Your payment of the annual fee or charge does not aired our dohs to close your Account and to Amrt your right to make transactions on your Amount. 9 your Account is closed by you or us, we will sodinue to impose to annual too and/or charge until you pay your outdmding balance in lull and Iermirate your Account relationship. Calculation of ealansa sealed to Ishmael Rel.: To figureyour perbdc imerm charges fo each baling ryck when a defy periodic rate(s) applies, wo use ft daily balance method including current tramactions). To figure your periodic trimmed Charges for own baling ryck when a monthly periodic mulls) applies, tea ore the average dally balance method (acbdnng oarevx iraraaetlons). For m epbmtim d emhra r rode d, or quesllons ,boa a parti:ular imered charge calculation on your statement, please call us d to toe free customer service pion numbs listed above. We talcums periodic interest charges, using the applicable periods rams shown on this Me-., separately for each Mail- (e. g., Nines. transfer checks all cash advance checks ("check transaction-), purchase, halence tnnders, an advances, promotional balances or ovemrah advances). Those calculations may combia different categories with If you think there is an error an your statement, wale to us an a spade sad of customer Service, P.O. Box 15299 Wilmington, DE 19M005299: In roar lecher, give lathe billowing adoration: • Account hrformdiom Your nays and Aceoud number. • Dollar amount Tie dolor wnoum of to asserted error. • Description of Problem: It you thank Moro Is anaror on your bill, describe what you adlmor is wrong all wm/ you bulbs a is a rnlstake. You most reread us withal, 60 days attar the error appeared on your statement. You must natty us m any Potential errors in writing, You may all 4 but it you do we are net requited to Invedigate any' pofembl ami and you mlay have to pay the wrlount in gueceon. While we investigate whaOex or not tide has been an error, the following am hue: • We annul try to cdjat the amount in question, or report you is rbtirghem on that ammea. • The charge in question may remain on your statement and we may comma to charge you mend on that amount, la, 9 we determine that we made a msake, you will not have to pay the amount in quedbn or any afemst or other fees relater to that amount. • While you do net have to pay to amount in quee on, you am respdsale for the remainder of your oalance. • We can only any unpaid amount ago bd your Credit final Your pull O YON Ale Disaagalled 1YIS Year Gmdft Cam Purchases R you are dW$i lied with the goods or services that you hate purchased with your credit card. and you haw tried in good faith W correct to problem with the merchant You may have me rWt rot M pay tha remaining amount due on the purchase. To use this night all of the Mewing most he true: 1. The purchase must have been made in your hone sate a within 100 miles of your Current ma fang address, and the purchase prim must have been more tan Sou. (Nate: Neither of these are necessary ft your puchase was based on an advabsomemwe mailed to you. orb war care to Company that sold you to goods or in rvbes.) 2. You must have used your credit cud for the purchase. Purchases made with cash advances from an ATM or with a check that attests your credit Car rd Actinium di not Dally. 3. You mud not yet have fully paid for to purchase. If all a (the criteria above are and and you are sill d'ssaadied whh the purchase, contact is in willing at Customer Service, P0. Box 15299 Wilmington, DE 19850-5299'. While vn Invadigate, the same rains apply to the denuded amount as discussed above- After we finish our investigation, we will tell you ow decision. At that point, k we think you we an swum all you do not. ay we may report you as deinguem. MA1202M Statement Dates 04/27/10 - 05126/10 Account Number: 4147 2020 2481 0408 Page 2 of 2 -'2010 Totals Yeat4c Z21a - - . Total fees charged in 2010 $156.00 Total interest charged in 2010 5620.13 Year-to-date totals reflect all charges minus any refunds applied to your account on or after January 31, 2010. INTEREST CHARGES Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Accrued Balance Percentage Rate (APR) Subject To Interest Interest Type 30 Days In Cycle Interest Rate Charges Charges Purchases 12.24% (v) $11,847.16 5119.17 $0.00 Purchases 1224116 (v) M14 -$0.39 50.00 1?14 ib 5520 So.07 $000 GsAAdvarrcos 1924°% S9"&o 138167 $0.00 Cash'Advances 19.24%(v) 50.00 50.00 - 5000 Cash Advances 19.24% (v) 50.00 $0.00 $0.00 (v) = Variable Rate Please see Information About Your Account section for the Calculation of Balance Subject to Interest Rate, Annual Renewal Notice.. How to Avoid interest on Purchases, and other important information, as applicable. 8560040 This Statement is a Facsimile - Not an original X 0000001 FIS33338 D 12 000 N Z 26 10105;26 Page .2 ar2 05686 MA MA 66380 14610000120006638002 Payment Due Date New Balance Past Due, Amount Minimum Payment 06111/10 S24,136.83 51,473.00 53,022.83 Account number: 5466 0420 0389 7236 . Make your check payable to: c hase card Services. Please write amount enclosed. New address or a-mail? Print on back 54660420038972360030228302413683000000000000000 67476 BEX Z 13410 7 JOHN TYLER 125 W VINE ST CAMP HLL PA 17011-6347 I...Illrlr.l..lrlrrl..ll.rrl,I....IIrI.Irrrllrrl.F..rllrrllrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 ,:5000160 26t: 077 2003897 236411• r-L 0 - Q Manage your account online: Additional contact information www_chase.comlcredilcards conveniently located on reverse side ACCOUNT SUMMARY Account Number: 5466 0420 0389 7236 Previous Balance 523,865.18 Fees Charged -539.00 Interest Charged +5232.65 New Balance $24.136.83 Opening/Closing Date 04/15110 - 05114110 Credit Access Line 523,100 Available Credit So Cash Access Line $4,620 Available for Cash SO PAYMENT INFORMATION New Balance 524,136.83 Payment Due Date 06/11/10 Minimum Payment Due 5513.00 Balance Over Credit Access Line S1,03683 Past Due Amount $1,473.00 Total Minimum Payment Due $3,022.83 Late Payment Warning: If we do not receive your minimum payment by the dale listed above, you may have to pay up to a 539.00 late fee and your APRs will be subject to increase to a maximum Penalty APR of 29.99%. Minimum Payment Wanting: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no You will pay off the And you will end up additional charges balance shown on paying an estimated 'using this card and this statement in total of... each month you about... pay... Only the minimum 40 years S57,463 payment $800 3 years $28,804 (Saving5=S28,659) if you would like information about credit counseling services, call 1-866-797-2885. The charge privileges on your credit card account have been revoked. You no longer have the ability to use your credit card account for purchases. We can help you get back on track. Call 1-800-955-8030 (collect 1-302-594-8200) today. FLEXIBLE REWARDS SUMMARY 1 Previous Points Balance 0 Thank you for using the credit card that earns Points Earned on Purchases This Period 0 rewards that can be used for travel, gift cards, Points Earned Through Chase Rewards Plus 0 cash, or merchandise. Remember, you can New Total Points Balance 0 earn points by using your Flexible Rewards Total Points Unavailable for Redemption 10,609 credit card for everyday purchases like groceries. gas, and drugstore purchases. 409 Points to expire on statement on or after OCTOBER. 2014 Your Chase Flexible Rewar4a credit card eams 1 point fof 0V&y S1 yov spend on purchases. Earn up to an additional 10 points while shopping online through www.chase.com,'rewardsplus. Add authorized users, and sign up to have your monthly bills charged to your card. too. Why not get rewards for all those purchases too? It's that simple. Simply go chase.com/rewards to choose your reward today! Redeem your points anytime, or just check out new offers at www.chase.com/rewards. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $ Amount FEES CHARt FD"-: C5/11 LATE ? I F 39.00 Tni al. FFF? -K alto PERIOD S39 00 -.x - - - INTEREST CHARGED 05114 PURCHASE INTERES I GHAKGE -04 05114 PURCHASE INTEREST CHARGE 165.33 05114 CASH ADVANCE INTEREST CHARGE 65.90 8560041 05/14 BALANCE TRANSFER INTEREST CHARGE 1.38 TOTAL INTEREST FOR THIS PERIOD $232.65 EXHIBIT This Statement is a Facsimile - Not an original 0000001 r-1633338 D 13 00a N Z 14 10105!14 Page 1 oft 05666 MA MA 67476 134'0000130006747601 X 0050 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: - --------------------- City - ----'--------- State: -- Zip: ----- Home Phone: --- --- ----- Work Phone: --- --- ----- E-mail Address: - ------------------------- i 8560041 To contact us regarding your account: O By Telephone: In U.S. 1-800-945-2000 7 ? 71 VII Espanol 1-M-4463308 Send inquiries to: Mail Payments to: Visit Our WelosNw: TDD 14MO-955-8060 Pay by phone1300-4367958 P.O. Box 15298 P.O. Box 15153 www chase coMCreditwrds Outside U.S. call coiled Wilmington. DE 19850-5298 Wilmington, DE 19886.5153 1-302-594-8200 Intomatloo Alool Your Assumed the same parade raise. variable dun will vary wile tra marlin based on the Pdrro plate (or such themdescribd in yew Account Agreement). Them is a minfnum interest charge of $1.50 for such amours deported in your Account Agresenreii in any bli irg cycle in which you owe any periodic interest charges, and a transaction tee for such bahrcetrander, cash advance, or cheek transaction, In the amounts aided In yaw AmountAgnemad, as it may be ainstalled. Tan is a foreign tnmreton tae o13% of the U.S. doter arroud of any, foreign marsectlon Car such amount described In you Amours Agreement). Hsu to Avoid Paying Most on Purchases: We begin mossdrg periodic against charges en a to mnclion, tee, or Insured charge from the date It is added to yew dally balance until your Account is paid in felt as described in your Account Agreement. Yaw it. data will be a minknern at 21 days fotlneing the close of own filling ryela You one avoid periodic musical charges on raw purchases whin they are fart bind to a statement as described below but this dons not applyto babas bamfem, cash advances or wwrdnlt dances. 11 you mcdnna curnat mernthly statement that includes new purchases and mss: a payment thatrie Rahn by the causing tlmethe Mlmnun payment he due for that remo ent, we will not charge periodic Merest a any portion of these near plednsss that we allocate such payment to, an long as 1) your current statement else shows gel vas removed payment of flue ending balance for your previous momMs statement by the date and time its M rearm Payment was do OR 2) that the oft balance for your previous MfthS stdmwm sus zero. R you hue a ablUe other than a puchiss below and tie[ brines arras a higher parkedo leered rate, you may not be able to avoid path* internal crorge5 on new purdnses p you do not pay your balance in fail call marsh, became we generally allocate payments first to the babnce with the highest periodic intoned rate. FDc all other payments or tot in payment type chow: for %vhich you do net follow our what To Do D YON TMak YOU clad A Mistake On Ton SWMNt emitting of Payerads: You nay sake payments by any of the options listed below. The mood of your payment sMrdd be at bad your mbinam payment due, payable in US. dollars ..it dam or payable through • U.S. finumia indddion or the U.S. blanch of is foreign financial institution You may code pay'nent by regular U.S. rncil Send your payrrerd lothe Payrtsnts address shown m this statement. Your paymerfs by mall must comply true Ire Instructions on this sbtemed. Do rat sad ash. Write your Accourd number on yam cheek or moray order. Paymems mass be acwmpenbd by the payment coupon in the envekge provided with our address viable through de emelope wintry, the emeope cannot certain more than one payment a coupon; sod them can be no, swples, paper clips, toe or correspo ds- hldlddwdlryourpained. ifyowprfln dsinffi rdallcewdhourpayfwdimtrudiom and is made aunis ie coo us on artyday by 5:00 p.m local lice d our Paymhms address a this sbt m t. we wnl credit the payment to your Amount as of ihot day. If your paynrmil is in accordance with am payment frorudbns, but b made avefable to us it,, 500 Pm. loaf time at the Payneums address of [his statement, we tall credit k to your Amount as of the red calendar day You" make payrantsaWrakalythmughowweatiesh monthsddemed. "we f ceme yew completed inquest on ow welcome by 5 p.m Eosin Thine, we will acid your payment as of that day. Uwe realve yourroped alter 5 p.m. Eatem TO., we will coin yew payment cop of the road alembr day. If YOU Specify A rrdUR dale m your ToUed we will credit your payment as of that day payment instructions, crediting of yaw payments may be daayd for up to 5 days Amount Imwmdlem Ropodsd IN CmA Ban- We ray report information about your Amount to credit bumaus. Lot payment. roissd payments, or dher defaults on yew Astound may he reflected M yew credit report. If you think we haw rapdd knuune intonation to a aedA bureau, you may wree to us at the Irc ivies address shown on this atxm nth. NolhisAbout Botanists chock comes vas: When you pry by deck, you authorize us either to use information from yew cheerio make a one-time electronic fund insider from your cceu?noroprocess thepayment asaclack tramadon. When wemaInformation in- your'ZI,to maw in ebdronk fed tnrMar, funds may be withdrawn tram your amount as son as the same day near dre yourpayment, and you will rotrcetve your chink back Iromyow Nna%Wirsuulion. Cal the customer Service number on this stanmerlif You have guediws abed electrak; crack colealon or do net rant your payments ailed eladmolcaly, continuant Peywaas: Any payment deck or other term of payment that you send us for less than the tug balance die that is marked bald in full* our contains a sinner notation, or that you otherwise lade In full mIMWton of a disputed amours, mutt be whim to Card Services, P.O. Ba 15099, Wilmington DE 19650-50w. We rooms all pu rigors regarding these payments (e.g.. If A is determined them is me sand dispute or d army such check is mooned at amomer address. we may aaepl the check and you wit still owe any remaintrg balance). We may refuse to amol arty such payment by felumthg h to you, not aaing n or destroying 1. All other payments that you make should be sad to the regular payment address shorn a this statement, An all Reaadel N. If your Acmunt Agrcemem has on annual membership for and or=11ar charge for issuance or availability of your accaum, m will be tad each year or in monthly w quarterly insialknwns, This tee and'or Charge ant used whethw or net you use your Amount. and you ague to pay tram when billed. -he areal fee and charge ant non-refundable mkss you notify us that you wish to their yjar &mum within 30 days or one billing cycle (whichavir Is less) after we provide the staterrom on which the annual fee of large is billed old at the same time you pay you oub;t"Ing balance Iniull. 11 you dU this, for a charge billed more often thin annually such as a monthly service charge, you will net ova the bat billed charge; however, prior bkled charges are norhrefudable and mud be paid as rod of paying your ouhhndi g balance in lull. Yew payment of gte annual lee or charge don net anted our rights to of- your Account and to Ind yew to to make tom tions on your Account. I yew Account is closed by you or us, we will confirm to impose the annual in ardlor charge until you pay yew mddandng balance in full and torrid. your Account referential, Cafeolagon of hakena Subject In felared Red: To floure your periodic interest charges for each bksmg cycle when a daffy periodic reta(s) alaphes, we use the daily balance method (incluciinp coma rd lransichors). To figure vow peddle internal charges for each blind cycle when a monthly periodic rate(s) apples, we me the average daily abae method Occluding cumin tnreaetions). For an unification of elhs, nud od, or Westbrs aboul a eartkub interest mange calculator on your statement. phase all us at the top free mumomer service plea number Hired above. We calculate Ixwkde interest charges, sing it. applicable periodic rates shown on this sam em, separately for each feature (e. it. alnce transfer cheeks and ash aduanoe checks (`check tnmad'on'). purchases. balance transfers, cash advances, promotional habnces or ommnft advances). Tau calculations may combine different categories with N you dankatlee is an error on your satemers, write to us on a separate shed at Customer Service, P.O. Box 15299 Wilmington, DE 19&45299: In your hells, gee us the following ifurmdion. • Account hiformatiom Your name and Account number. • Dohor amounts Tin rider amtam of 1ne smpcdd error. • Description of Problem: If you thidrthem s an -moo your bit, desofbawhd you peftese is wrong and why you believe it Is a rl ioU Ym mud cemid rs within BO days aftwthe error aopaared on your Statement You must notiy Us at any potential errors in wining. You nay call caw, but a you do we are not required to Investigate ary potential wars and you may have to pay the amount in question. Whit we inwstilgete whether or not there has been an error , the fdbwng antrue: • We anret try to collect the amount it *mi;on, or report you as delinquent on that amours • Ta dame in question may remain on yew statement. and we may cofdinue to charge you modest on that amaum. But, m we determine the we made a mistake. you will not have to Day the amount in Weston or arty interest or other lees rebra to that urnwd. • While you do not firm to pay Its amount in question you are respustole for the remainder of yew balance. • We an apply ley urged amount agaimt you credit limit You, Rights If You A. Dlsadamd With You, credit cad Purckaw R you we diesdidied with the goods or services that you hews, Purchased with your credU card. ad you have tried in good faith to correct the problem with the merdant, you may havethe right net to pay it. remaining amount due on the purchase. To use the oght all at the following must be Ink: 1. The purchase must have been made in your hone state or within 100 miss it you current malkrg address, and the purchase price mud have been more than $50. (Rate: Neither of these are necessary it your purchase was based on an adverbsememwe mailed td you, u1 we own the company that sold you the goods orserties.t 2. You must him used your credit caw for the purchase. Purchases made with cash advances from an ATM orwith a check that amasses yew crdh card Account do con qL dny 3, You mud m1 yet have fully paid for the purchase nil of tie omda above ant met and you are sill dissatisfied with the purchase, wrtact nc in wrong at customer service, pa Box 15299 Wilmington, DE 19850-5299. White we lnvstigalk the same ruts apply to the dspud amount as discussed abon. Ana we finish ow imesdgalon,',m will tell you our decision. Al that point, l we tank you eve an annum ad you do Trot pay vie may report you as delinquent. MA1202009 Statement Date: 04115110 - 05114/10 Account Number: 5466 0420 0389 7236 Page 2 of 2 -"2010:'?'•lcYearlG-Dalb::=' .. - Total fees charged in 2010 5117.00 Total interest charged in 2010 5921.06. Year-to-date totals reflect all charges mirweany refunds applied to your account on or after January 31, 2010. )NTEREST CHARGES Your Annual Percentage Rate (APR) is the annual intere st rate on your account. Annual Balance Accrued Balance Percentage Rate (APR) Subject To Interest Interest Type 30 Days In Cycle Interest Rate Charges Charges Purchases 10.24% (v) S0.00 50.00 50.00 Purchases 10.24% (v) $19,646.68 $1Ji i.33 50.00 Purchases 10.24% (v) 55.20 50.04 S0.00 Cash Advances 19.24% (v) 50.00 S0.00 SO.90 Gash Advances - 19.24% (v) 54,167.24 S6s.90 S0.00 Cash Advances 19.24% (v) $0.00 $0.00 $0.00 Balance transfer 10.24% (v) S163.44 51.38 S0.00 (v) = Variable Rate Please see Information About Your Account section for the Calculation of Balance Subject to Interest Rate, Annual Renewal Notice How to Avoid Interest on Purchases, and other important information, as applicable. 8560041 This Statement is a Facsimile - Not an original X 0000001 FIS33338 D 13 000 N Z 14 10A5/14 Pagp 2 cf 2 05686 MA MA 67476 13410000130006747602 CMA12762 and making it # sf your account balance, including any fees and finance charges, an 9 d. your ac balance is over yur cred line for any e R1 bT A(?een12of remains below your cre You ran ovferl mit fee asndesc ibed in This agreementdWe may, but Ge r aITS reason, we may charge y t, are not required to, authorize charges that go over your credit fine. You must pay any pay us caunt,including y anif we ask y balance o Over Your ACCEPTANCE DFTHIS AGREEMENT amount over your credit line, and Yon your ac agreement applies to any This agreementgoverns your creditcaruseofyouaccountiscoveredbythisageemenL creditline- containingthecardforthisaccount.Any Your records. You authorize us to pay At our discretion. wemayincrease,reduce, or cancelyour credit line, or the cash advance Please read the enure agreement and keep it for Y our account. You promise to portion of your credit line, at any time. However. it you have asked us not to do so, we es. for and charge your account for all transactions made on y will notincreass your credhline. A change to your credit line will not affect your obligation pay us for all tfansactions made onou, to nether and individually Yi nrespons responsible forhpaying n us. If this is a joint account, each of y 9 International Transactions: International transactions include any transaction that you all amounts owed, even it the account is used bYthelother personls) top Yrequire that 10 pay you pay the {till amount owed without first asking make in a foreign currency or that you make outside of the United States o(America even please sign thebackofyourcarJwhenyoureceiveit.Youwiilbebondbevenifyoemni it it is made in U.S. dollars. if you make a it you or anyone authorize) by you use transaction in a foreign currency, Visa e your account lot any purpose, international of Mastedive cnternati nal, Inc.. will procedures. even he transaction into U-S- rate each urency conversion sign your card. Whether you use your arcount or not,you will be bound by this agreement dollars by using its 30 days after receiving your card and you have entity uses to convert resp currency is a rate that it selects either from the range of rates not used your account for any ose. available in the wholesale currency markets for the applicable processing date Dwhthe unless You cancel Your account within the words N.A., rate may vary from the rate the respective entity itself receives), Throughputlhisagreement,th`we",'?us`and"stir'"mean Chase Bank USA, theissuer ghuttyourCredit card andaccount. Thewords 'you', your " and ' yoursmeanall government-ma ndated rate ratectthon the a e reppwcableprocessing date. Therateineffect ed processing date may difterlemtha rate oniha dateyou usedyour card persons responsible toe complying withihis agreement, including the , ao Wellaa well on the applicable for the account and the person to whom om we address billing statements, or account. We reserve the right to charge you a addition wa of the V.S. dollar amount personwho aglees to be liable onthe account.Theword"card' means one or more c rmit yardsou of any international transaction, whether that transaction was originally made in U.S_ or other access devices, such as account numbers, that we have issued 1. pe dollars or wes made in another currency and converted to U.S. dollars by Visa or Mastercard. In either case, the 3% will be calculated onthe U.S. dollar amount provi In us by that entity- The same process and charges may apply if any international to obtain credit under this agreement. ded USING YOUR ACCOUNT personal, family or transaction is reversed. Your tposaesc. Unlesonsums er wae c a gleetoritdis equbedby aw?we f willnotberesponsible RefusalloAuthorizeTransactions:Wemay.bularenotrequiredto,declineatransaction househholdold p purp our account. You on your account for any of the following reasons: for merchandise or services purchased or leased through use o Y _ because of operational considerations, ions. For example, . your account is in default, Promise to use your a ccount only for valid and lawlultransact Internet gambling may be illegal in some Places. It is not our responsibility to make sure that you because fraudulent or unlawful activity or use your account only for permissible tfansactions, and you; tied u?dertli s agreement - it in we our discretion, etion, for any other reason. paying for a transaction even if it is not permissible or contemp We are not responsible for any losses if a transaction on your account is declined for Types DI Transactions: any reason, either by us or a third party, even it you have sufficient credit available. Purchases: You may use your card to pay for goods of services. require that you register your account with an For online transactions, we may Y Checlts: We may provide you cast, advance checks or balance transfer checks as a way to use your account. We also refer to them inthis agreement as a check or checks. authorization system that we select. We will ansa do if we want you to register. I you pay for oodsorservices,totransferbalancestoyouraccount, do not register, we may decline your online transactions. Refusallo pay Checks: Each check You w decide whether is your request whether to her to n authweorize that check or for othe authorize th receive you may not use these checks to transfer balances to You may us r e uases E.- we we to allow. ow. But goods a check for payment, we may review your account to ols w us of any of our related compa check We may, but are not required to, reject and return unpaid a check for any reason, this account person whosetnamet seprintedyon thercheck may si egnr The hecks ecks are Cash tr re tr advan eat balance including the following examples: are treated cash advances and balance transf offerwe make to you. We may treat - We or one of our related companies is the payee on the check. - Your credit line or cash advance portion of your credit line has been exceeded, or would transfers exca ept as noted in this agreement or any checks checks that we call convenience checks as balance transfer checks. However, be exceeded if we paid the check. The check is post-dated-Ii a post-dated check is paid, resulting in another check being for cash advancesnmay be treated as cash advancestand assessed cash advancerates returned or not paid, we are not responsible. and lees. you have used the check after the data specified on it_ ransfer balances from other accounts transfers we with allow. r You are in default or would be if we paid the check. a per Balance Transfers: YDU may t ers ..is V01111 US-4 F 11 1 111 to this account, or other balance tr s. ec ' ed balane:e -c-c",rwrll exceed your loofst or other Stolmeen ans to access your account is lost or stolen, or you think someone used or But you may not transfer balances to this account rpm 07 transfe partial balance transfer up Y may use them without your permission, you must notify us at once by calling the to out available line. niwees. m If a may portion ortion of a a this crated companies. praertquest Cardmember Service telephone number shown ran 01 available our related eck, account numb Of r cardre and o billing statement- Donot credit line. et cash from automatic teller machines, or use your account alter you notify us, even if Y Cash Advances: You may USE your card to g means to access Your account is found or returned. We may terminate or suspend your from financial institutions accepting the card; or ash-like obtain charges; travelers to obtainlottery currency, money orders, wire transfers or similar cas credit privileges when you notify us of any loss,theft or unauthorized use related to your ers or for similar beningtransactions.You account- tickets, casino gaming chips, race trackwag You may be liable if there is unauthorized use of your account from which you receive no benefit, but you will not be liable for more than S5D.DD of such transactions, and you may also use a third party service to make a payment onyourbahalf and bill the payment to this account. will not be liable for any such transactions made after you notify us of the loss, theft or will not be use. However, such YOU Iran must identity torus the unauthorized charges from which Overdraft Advances: If you have an eligible checking account with one of our related banks, you may link. this account to your checking account with our related bank to you received unauthorized liable reement and eived no benefit. ened_ cover an overdraft on that checking account under the terms of this ag certain procedures find account agreement. youmay require you 11) provide us information in writing to help us find out what happ connection with our your checking We may also require you to comply C cle: In order to manage your account, we divide time into periods called "billing investigation. in that length,thFor ach calendar month, Billingy Your account will have a PAYMENTS 1 novels a include cycles'. Each billing cycle bi approxone month in your account will have a billing cycle statement in each calendar month whether or natthere is a billing payment Instructions: Your billing statement and accompanyng p billing cycle ending instructions you must follow for making payments and sets forth the date and time by Aforuththoatrized Ubillingsers: cycle. If you allow someone to use your account, that person will be an which we must receive the payment. an authorized user on You agree to pay us amounts you owe in U.S. dollars drawn on lunds on deposit in a U__ red yoauuthraccoorizeduunt se If r. you You do m so, y request an addlowingar one to becomoAolthatauthorued this account may app financial institution to paus a aul yourd bit that will be processed or honored byysurlnanc al . , institution. money We will not accept cash Payments. Your total available credit may not be user. You should think carefully person allowing anyone to become an authorize user because you are allowing that person to use the account as you can. You will remain check restated for up to 15 days after we receive your payment. responsible for the use of your account and each card issued onyouraccount according rAny payment check or other lorm of payment which you send to us for less than the lull to the terms of this agreement. This includes your responsibility for paying all charges on your account made by an authorized user. to use your account. 11 balance that is marked paid in tuff or with a similar notation or thatyou othervvise ten er You must notify us to terminate an authorized user's permission in full satisfaction of a disputed amount Iconditional payments), must be sent to us at the close the account and/or issue a now cardrds, checks or anyf other conditional payments address listed on your monthly statement. We reserve all our rights You notify us, we may regarding such payments. For example, it it is determined there is no valid dispute or 'it account number. You should also recover and destroy any any such payment is received at any other address, we may acceptthe payment you also refer to the will still owe any remaining balance. We may refuse to accept any such payment by means of access to your accouearso on your billing statements. We may a portion of ?lo?r?IB Credit Line- Your credit line app returning it to you, not cashing it or by destroying it. All other payments that you make should be sent to the regular payment address shown on[PW 1? credit line as a credit limit. Your billing statement may also show that only your credit line maybe used for cash advances. Cash advances, including cash tra advance ck s` checks, are haed against the cash ansact onscarercharged against your credit line. You are responrsibleffor keeping all E tr Pane I of 5 even lho"h there is defau or it we do not e your maz mum default 9 to statedain the 1Rates and fees mint checks, at first it we decide n APincrease ht to electronically collect your eligible pay increase y We restive the fight Table, we reserve our right to increase your APR in the event of any future deiau _ checks is your a draft drawn against the to our discretion determine to charge reduced default rates or reinstate presentment and any representment, from the bank aauthorization itohus to collect We may drawn. Our receipt of your payment the check standard rates the amount of the check electronically, or, if needed, by amount along with the check, routin for all or selected balances on your account. g and collected electurmonbeicrs ally to by your sending Your bank Finance Charge a We different culateperio category Average Daily Balance BIlalance exampletrM1 bankaccount.Paymentchecks will original payme example. purchases. purch (including New account balance ly for ea balanc we receive your payment. The Transactions): an checks, overdraft oudnan may bent debited d waisB early be deasstrthoye same day will be maintained in our assoct destroyed and an image transfers, balance transferihecks,cashadvances,cos a due, as shown advances, and each promotion). These calculations may combine different categories Mireconimrdsu.m Payment: You agree to pay at least the minimum payment with the same daily periodic rates. This is how it works: fer alculat cheecks cash c linant advancees, cash es afdvorancpurchases. e checks, and lance transfers, overdra avabanes ante on your billing statement, so that we reede The date amaynd pay th time e pfullayment is amount due. you We calculate You may pay more than the minimum payment we a char es because finance charges lot each multiplying the daily balance for each of those categories by the daily periodic rate us at any time. 11 you have a balance that is subje of those categories, each day. You may have overdraft advances only e Sooner you pay us ' the ct to finance charges, the trans, go D accrueonyou balanlessyouwillpayintinanc accrue on your balance each day- and your ending balance (the you have linked this account to a checking accoun[with one of our related banks- Your billing statement shows your beginning balance a We calculatethe periodic finance charges lorpurchases, balance transfers, balance d cash 'New Balance' on your billing statement). If the New Balance is ill he or less, your tale the same way, but we use the promotional rate- the ment due will be the New Balance. Dtherwis'; it (the New Balance{ transfer checks, cfor eachaday for eaahacategory:ks subjectto a promotional of minimum pay the following: S10.00; 2% of the New Balance, or the sum total billed periodic rate finance charges, and any billed late and overlimil fees. As To get the daily balance We add a new purchase, cash advance, men[ due, we also add any amount past due and any amount We take the beginning balance for that day. part Df the minimum pay We add to that balance any new transactions, fees, other charges, and debit to that category. over your credit line. linable, to the daily balance as of the authorize Allocation: You agree that we are authorized to allocate your payments adjustments that apply and credits a way that is most favorable of convenient for us. For example, you balance transfer or overdraft advance, if app promous to apply Y P Y or balance transfer check to the daily balance as of the date the cash advance ut out a meats and credits to balances with lower APRs (such transaction k of balance transfer check is depositeby ea payee, or a later dale of our e. We may then as promotional APRs) before balances with higher APRs. choice- We subtract Balances: You may request a refund of a credit balance at any tim • act from that balance any payments, credits, or credit adjustments that reduce the amount Of any credit b a lance by the amount of new charges Of fees billed aiytothatcategoryandthatarecredttedasof that day. Atoutyour aomaticc c Chaount.rges: you may authorize monihly to a utility uto charges, ally charge your memberships We treat a credit balance as a balance of zero. we add the daily account for repeat transactions (tor example, To get the beginning balance for each category for the next ay, reason) your account periodic finance charge to the daily balance. It more than one daily periodic rate andinsuran ce premiums). ll (for automatic chaarges are stopped for any reason (including because applyto a category because the rate for the category may vary based on the a daft use t he periodic rate that applies your account is closed or suspended thfor any e billerandpayingthesecharges could ou are responsible for notifying but are not required to, pay from amount o1 its averag daily balance, we will ccle to c the number changes ,y we ma directly. If your account numberchangeauthonzedtobebilledtoyouroldaccount argemoeuntachatdthe tThsft dagre ailyem ntyprovidestfortdaily your new account number charges thatyou compounding of finance charges. dd all number. ectal terms for your account. If c To et the total periodic finance charge for the billing cycle, we a of the daily the will be in eltet. 9 for each day during that billing cycle. Promotions: From time to time we may offer sp eriodic finance charges for each category do, we will notify you about the terms of the offer and how long y However, if any pofiodir finance charge is eriodic finance charge stated in the Rates ndeesTable II t isnecessary Any promotion is subject to the terms of this agreementl, as modified by the minimump promotional otter. to add an additional amount to reach the minimum finance charge, we add that FINANCE CHARGES amount to the balance for purchases made during the billing cycle. Provided separately. To get the daily The total finance charge on your account for a billing cycle will be the sum of the p y periodic atessareolisted on the Rates and Fees (Deity"APRsP') e a ri n d odic the Bales correandspoAnndinung Annual Percentage plus an transactientage periodic rat on fee finance charges. periodic finance charges Y vie the edividend othf e this APR document by 365, aornd in effe For each categoryweealculateanaveragedailybalance(including nwtransactions) ct always round up at the tihh Table that is for the billing cycle by adding all your daily balances and dividing that amount by place to the right of the de cimFRDohas aoalytoyour account mayvarywithchanges the number of days in the billing cycle. 11 you to the P multipfythe averag sulitb theanumber charges lorthat - the Prime Hat A a category Yt a app r Rate. . When n you have an APR that vane h c rounding. Rate, we calculate the APR by adding a margin to the Prime Rate published in The of days in the billing cycle, the total c el eequa xcel t the fpminoeriodic-finance balanceattributable to that billing cy P Waft Street Journal two business days before the Closing Date shown on your thing e[ Journal. If The Wall Srreer.lournafsto Period and Accrual of Finance Charges: We accrue periodic finance charges ps P ubli shie Grace ouonyourbilling onatransaction,fee,orfinancechargefromthedateitisaddedtoyourdailybalance Rates semeectnt.io Thneof 'P The rime Wall ate' is Sire the highest (U.S.) Prime Rate published in the Money the Prime Rate, we will select a similar reference rate and inform y until aymentin full is received on your account. However, we do not charge Periodic on newpurcases billed during a billing cycleitwe receive payment New Balance by the date and time your minimum payment is due an we A "margin" or through a separate notice. fiofnancyoure charges A rgin" is the e percentage we add to the Prime Rate to calculate the APR" A received payment of your New Balance on your previous billing statement by the grace period' applies only "business day" is any day that i not a weekend or federal holiday. The Ratei and date and time your payment was due. This exception previous Fees Table shows which rates, it any, are variable rates. also lists the margin for or - each variable rate and any minimum daily periodic rate and corresponding ftee to purchases and does not applyto balance transfers. balance transfer checks. cash Two business days before the Closing Date shown on your billing statement, we advances, cash advance checks or overdrafl advances, it applicable. what the Prime Rate is. We then add the applicable margin to that Prime Rate to get Transaction Fees for Cash Advances: We may charge you a cash advance fee in amount stated in the Rates and Fees Table for cash advance checks and cash the APR. The daily periodic rate is calculated as described above. levious billing athedvances. payment on your behalf and II our calculation results in a change to a daily periodic rate iramthe p In addition, if cycle because the prime Rate has changed, the new rate will ill apply as of the first you we made the a a higher periodic the service charges the payment to this account, we may charge a transaction lee day of y our billing cycle that ends in the calendar month to which use a third party service to make a paym will calculation. If the daily periodic rate increases. minimum hpaymentY for the payment. finance charge and may have to pay a higher These aymton lees are finance charges. We add the fee to the balance fort the Default Rates: Your APRs also may vary if you are in default under this agreement dated category as of the transaction date of the cash advance. For example, a Dr any other agreement you have with us or any of our related companies for any of transaction fee for a cash advance would be added to your cash advance balance. the toilowing reasons: Transaction Fees for Balance Transfers: We may charge you a balance transfer fee • We do not receive, for any payment that is owed (i payment due byaccount or any and t othee in the amount stated in the Rates and Fees Table for balance transfer checks and account or loan with us, at least the minimum pay balance transfers. add These transactio as ois[heetf i n n ce.ch dates. the bat nee transfer. For example, e due. related category You exceed your credit line on this account. You make a payment to us that is not honored by your bank. promotional transaction fee for a balance transfer would be added to your ba ante rans e Ilany of these events occurs we may increase the APRs lincludingany p DTHERFEESANDCHARGES APR) an all balances (excluding overdraft advances) upto a maximum of the default balance. es to matde Rates puarerchaslisted rate slated in the Rates and Fees Table. We may consider the following factors to made during determine your default rate: the length e dofefautimhes on your account your account-, hount-, as been other indicopen,atitheons aWend may FeesTabchargecee the These lees ngfees. added amounts bofalathese fees existence , seriousness e o of th of your acco ountt usage and nd performance; information about your other relationships the billing cY antes; and information we obtain from consumer Annuaal Membership Fee: If your account has an annual membership fee, it will e with us or any Of our related comp billed each year or in monthly installments (as stated in the Rates and Fees Table), e account, and you agree to pay it when billed-The annual e beaus. credit f portsstobtained from cr ndwh r the The dtefault sate will take effect as of vrhetherornotyouus your accou the first day CIOA12752 ivil account Binding Arbitration.ThisArbitration A9edtby and be enforceable transactione he feed ral nd shall be govern membership fee is non-refundable unlessyou notify us thatyouwishto close your interstate commerce, and U.S.C. 41 16 as it maybe amended-This ArbiiraionAgreemem s .1 the date we mail Your billing statement onwhichthe annual membership wi[hin30day, balance in full. Your payment Arbitration Act 11he our account orlimit your se resolved by arbitration instead of being fitigated in court- fee is charged and at the 53 me time,you paect your our rights clo fee closed by you or us, we of the annual membership tee does not affect our right to close y is gns, right to make if on your account. 11 your acc ouroutstandin9 balance Indudesourpaaent stubsidiareseaffiliates,lcrenseton Agreement. -we-,"us'. and -our'also es prredec directors. successors assi will continue to charge the annual membership lee until you PaYYa ment by the date and Y P in full and terminate your account relationship. an urchaser of yand all of them. Additionally' we eus an-our-she 1 include any third or any hired mini mum p y charge the and assigns tote Fee: It we do not receive at least thereq n rovidingbenefits, services, or products ineonnectionwiththeAccovnt(indum9 limited to cred it bureaus, merchants that accept any credit device issued un der lime it is due as shown on your billing statement for any billing cyrle, we may in the Rates and Fees Table. it the late fee is based on a balance, we but party providing calculate the late fee using the Previous Balance on the current month's statementihat the Account, rewards programs and enrollment services, credit insurance companies, in and CFoptesentatilites) late lee shown aas a employees, agents debt collectors, and all )I their officers, directors, laim ov assert shows the late lee. This balance is the same as the New Balance shown on the prior if and onlyit, suand all rd party is named byy any y month's statement for which we did not receive at least the required minimum payment against us. without the other's consent, elect mandatory, by the date and time it was due. charge this fee Claims Covered. Either Dverlimit Fee: your a day,tWel nnay charge an Dverlimit fee. We may charge a billing e5, dente or coniroiessy b ales, either you or eus against s, agents the binding arbitration of any claim, cycle , e ven if only for a day, Y you or we may, ploy par redit line because of a finance charge of fee we impose other, or againstthe e or a transaction we authorized. We will not charge more than one overlimil fee for any even it yourbalance is overthe c m billing cycle. But we may charge an Dverlimit lee in subsequent billing cycles, even if no any prio Cartdmember Ag eement,yourlcredit card Account orethe advertising. r application Agreement. new transactions are made on your account, if your ac co unt balance still is over your of approval of your Account ( Claim I. This Arbitration Agreement governs all Claims, whether such Claims are based on law, statute, contract, regulation, ordinance, tort. cycle. Return line at any time during the su sent equechnt bi ling m tar instrument is not honored, III) common law, constitutional provision, or any legal theory of law such as reapon eat must eturn Payme nt Fee: 11 (a) your pay superior, or any other legal ore quitable ground and whether such Claims seek as remedies money damages, penalties, injunctions, or declaratory or equitable ref ef- his Arbitration an automatic debit Or to this Arbitration Agreement include Claims regardinglheapp ability ned Return ayme t tee. atuse ltistnotrsigned or'tcannotrbe processed, wewm y chargers r cheteurnck p aayment f e advance check ofbalance transfer Agreement or tfie validity of the entire Caidmember Agreement or any prior Cardmember Agreement. This Arbitration Agreement includes Claims that arose in the past, or arise turn lCher. your rFeeqhest, or Ibl we refuse to pay : 1 11 Ia) we stop payment ay a cash advance check orbalance transfer check, we e may in the present or the future. As used in this Arbgration Agreement, the term Claim is to charge a return check lee. be given the broadest possible meaning. Administrative Fees: It you request a copy of a billing statement, sales draft other record of your account or it you request two or more cards or any special servIC ces I10r Claims subjectto arbitration include Claims thatare made as counterclaims, cross claims, we may charge you for these services. third party claims, mle'pleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any such Claims advanced in the lawsuit by example, obtaining cards on an expedited basis), statements, sales drafts or similar hat of billing any party or parties. However, documents t will not charge you for cop c As an exception to this Arbitration Agreement, you retain the right to pursue in a small law, ay chyoarggee., for r any ny se billing dlisted bove andsother9ervices we provide, the few. We may claims court any Claim thatiswithin that court's jurisdiction and proceeds on anindnridual lees from time to time in effect when we offer the service. basis. If a party elects to arbitrate a Claim,thearbitrationwill be conducted as anindtvidual We may consider ECTIDN action- Neither you riot we agree to any arbitralion on a class or representative basis. We may consider you to be in the emit any of these occurs: and the arbitrator shall have no authority to proceed on such basis. This meansthal even Dth ntalive issues raised private repres such n.such We do not receive siale least the minimum amount due by the date and time due as shown if a class action IawSlJ act otitOis I led, any Claim belweelno s related thatinthe form of a on your billing dit line. attorney9 You fail to comply with the terms of this agreement or any agreement with one of our lawsuits will be subject to an individual arbitration claim it either you orwe so elect. You exceed Your r credit line. No arbitration will be consolidated with any other arbitration proceeding without the related companies. be unwilling or unable to consent of all parties. The only Claims that may be joined in an individual action under We obtain information that causes us to believe that you may this Arbitration Agreement are (1) those broughtby us against you and any co-applicant, You file for bankruptcy. joint cardmember, or authorized user of your Account. eor co-applicant joint cardmember, or pay your debts to us or to others on time. our death. bankruptcy or (2) those brought by you and any PP You become incapacitated or in the even[ of y Count without notice authorized user of your Account, or your heirs or your trustee in bankruptcy against us. Your I) we consider your account to be in lanCelimmediately. We also may requ re you to pay w ion Association; or National Initiation of Arbitration. The party tiling interest the e a C1arm in arbitration must choose one of the to Pay you, Ilopa.d rate of two percent (2%,) a month d the unpar 0owing Arbitration Forum. These administrators are independent from us. The administrator does law, if You are in default because you have tailed to pay us, not conduct the arbitration. Arbitration is conducted under the rules of the selected P enses of arbitration administrator by an impartial third party chosen in accordance with the rules To your the extent to permitted six or by more billing cycles pas[ due. may you will pay our collection costs, attorneys' fees, court costs, and all oth e rex and provid en of the selected arbitration adminstrat you attend she I be held a[ inpta eArbitr Lion hearg that forcing our rights under this agreement. Agreement. Any current other rrul place of to of the two rb tration a chosen by CLOSING YOUR ACCOUNT reside at the time th Mainr copies of the some You may close your account at any time. If ou call us to close your account, we may the arbitrator or arbitration administrator within the lederal judicial district inw re y' u require that you confirm your request in writing- We may close your account at any time or suspend your credrablrevlaw.ell we close your any reason without prior notice except as required by aPP' , we will not be liable to you for any consequences resulting from closing your account account or suspending your credit privileges. It you or we close your account, You and any authorized users must immediately stop our a ccounl and destroy all cards, checks or other means to access your account using them to nt upon request. You will continue to be responsible for charges your or return y account, even if they are made or processed after your account according to the terms of be required to pay the outstanding balance on y we may requi ou re you to pay the this a greement. In g balance immediately or at a extent ny t allowed afterlyour account is closed. ARBITRATION AGREEMENT PLEASE READ THIS AGREEME147 CAREFULLY. IT PRDVIDES THAT ANY DISPUTE MAY BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE BIGHT TOGO ING A CLASS ACTION R THER To COURT TYOU ACTION ILL OT IN COURT BE A13L SUCH BR THAT I14 HE FORM OF APRI ATE ATTORNEY GENERAL ACTION, NDR WILL YOU BE ABLE 70 BRING ANY CLAIM IN ILL TRA NARBIBE ATBLOE TO BE PART 0 ANYOC)ASS ACTION OR OTHER TREPRESENTATIVEOACTION DR OTHER BROUGHT BY ANYONE ELSE, OR BE REPRESENTED IN A CLASS ACTION DR OTHER ABSENCE THIS AND WE MAYIOTHER7WISEIHAVE HAD A RIGHT OR OPPORTUNITYTpGBE N Ef L?'°??S IN ACCASE FILEDRINACOURTEBY on JURYAND/ORT0 PART DRIBE OTHERS (INCLUDING CILASSTACTIONSEAND OTHER REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT DVERY DR THE BIGHT -TO To A COURT SUCH AS MORELIIMTED EXCEPTA)SOTHERWI EPROVIDEDBEL WPTHOSESIGHTS AREWArVED. writing. You may n administrators, information about arbitration and arbitration lees, an instruct ions o init)ating arbitration by contacting the arbitration administrators as follows: Madison Floor 10, New York, NY American aion Association, www.adr-org. 800-778-7879. or 10017-4f05,Web i National Arbitration Forum, P.O. Box 50191, Minneapolis, MN 55405, Web site: www.arbitration-torum.com, 800-474-2371. Procedures and law applicable in arbitration. A single, neutral arbitrator will resolve Claims.The arbitratorwill either be a lawyerwrth at leasiten yoars experience or a retired or former judge. The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is riled unless those procedures and rules are inconsistent with this Arbitration Agreement, in wh)chcasethisAgreementwillprevail.Theseprocedures 'ndrules bstantic law of discovery available to you or us. The arbitrator will app y applicable su consistent with the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. You may choose to have a hearing and be represented by counseLThe arbitrator will take reasonable stepsto protect customer Account information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. The arbitrator will have the power to award to a party any damages or other relief provided for under applicable law, and will not have the power to award relief to, against, or for the benefit of any person who is not a party to the proceeding. If the law authorizes such relief, the arbitrator may award punitive damages or attorney fees. The arbitrator will make any ons party- ste awardiwriting but need not us, the arbitrator will p ovidesa br of statement of he rea ons Upon a request by you or for the award. costs. We will reimburse you for the initial arbitration lifing fee paid by you up to the amount of 5500 upon receipt of proof of payment Additionally, it there is a hearing, we CMA12762 o days TELEPHONE MONITORING AND RECORDING listen to and record your telephone calls with of the arbitrator and arbitration administrator for the firsttw licable, our agents, may do so, whether you orwe will pay ahy lees us will be made di r, e We, and if applicable, our agents, may ctly You or us pursuant to this Arbitration us. You agree that vie, and i app of that hearing. The payment of any such hearing fees by to the arbitration administrator selected by Y with the rules Agreement. All other tee v will of thearbitralion ?NFORMATIONSHARING s will be allocated ine a You authorize us to share certain information aboutyou and your accounlwit rn our administrator and applicable law. Howevew advance ri se e is tees for ere is g family of companies, and with others outside our family of companies including any oodcause and other tees it the arbitration administrator or arbitrator determines s there is good company z ease of the tees and costs of that party's Dorur Privacy organization Polic y ,whose which inames or provided to a you may-appear on when the c you ards, first as receive itte an reason eys for , r experts e so. equiring party wdoill so bear or the you ask p us and we determine It bylaw. earthereafer,describesourinformation attorneys, d , witnesses, and any appeal al (as per as permitt expenses e d bebelow ow), , exce regardless t o that which t agreement and at least once oices o ha ive us about documents and other a partparty prevails, for arbitration and any a whether a party should sharing practices and the choices you have and directions you may g arbitrator shall apply any applicable law in determining our sharing of information about you and your account with companies or recover any or all fees and costs from another party. in enforcing this Arbitration organizations within and outside of our family of companies. ina appeals. Failure or any ILLINOIS CARDMEMBERS Enforcement, flity, articular Claims, will not constitute Agreement at anytime , or in connection with any p Illinois law provides that wi may not share information about you with companies proceed ng will be final and or other organizations outside of our family of companies unless you authorize the a waiver of any ri9aeCT0onrequire rendered in such arbitration time other Claims. Any appeals ainwrifing rbitr do to the arbitration organization disclosure a unless the disclosure falls under another exception in the law (such binding 0 onthe day parties, unless a party rd appeal most request a new arbitration as sharing information to process your transactions or in response to a subpoena). befon3days l issuance of the award. The You hereby agreethat,ifyouchoosenottoexercisetheapplicableoptoutdescribed pthree anel willereconsiderrall factual iandtlagal issues anew, follow the in our privacy policy, you will be deemed to have authorized us to share personal before a panel of organization. Theusing a single arbitrator, and make decisions information we have about You (including information related to anyof the products same rules that apply to a proceeding or services you may have with any of our companies) with companies or other family of companies. based on the vote of the majority. Each party will bear their own fees, costs and expenses for any appeal, but a party may recover anyor allfees, costs andaexp eases organiENFORCINGzations THIS outside of our AGREEMENT from another party, it the majority of the panel of arbitrators, applying ided by the law, so determines. An award in arbitration will be enforceable asp We can delay enforcing of notenlorce any of our righttunderthis agreement Without applicable law by any court having jurisdiction. losing our right to enforce them in the future. It any of the terms of this agreement FAA or other reement shall survive: W termination or are found to be unenforceable, 311 other terms will remain in full force: changes in t, survival. This Arbitration Ag ASSIGNMENT you and us tconcern ng the Account such asAheassu ng and of the a new account nuvmbetr We may assign your account, any amounts you owe us, or any of our rights and our behalf; obligations under this agreement to a third party. The person to whom we make the or the transferring art toff any similar proceeding im tialed bytyou orcon you be the assign Arbitration Agreement is deemed invalid ment will be entitled to any of our rights that we assign to that person. bankruptcy m any p y Y a third arty. II any portion of this GOVERNING lAW and (iii) p Y THETERMSANDENFORCEMEMOFTH{SAGREEMEIdTANDYOURACCOUNTSHA a meat of the debt 'in lull v yalid you or or unenforceable. the remaining portions shall nevertheless remain in force. BE GDVERNEDAfJD INTERPRETED IN ACCOROANCEVJITH FEDERAL LAW AND. TO CHANGES 70 THIS AGREEMENT ardless of whetheryou have access THE EX TENT STATE LAW APPLIES, THE LAW OF CT )F-LAW PRINCIPLES. THE LAW OF DELAWARE, WH ERE WE AND We can change this agreement at any time, re9 an rovision.Ourrighttoadd, YOURACLICT-I RELOCATED, WILL APPLY NOMATTERWHEREYOULIVE ORUSE to your account, adding, deleting, modifying Ysuch as the APRs and fees, THE ACCOUNT. lot is ,l agterms odelebligte,atioronsmyouodifyorp provision rov a isions includes financial reeament. Modifications, hts and extent, and d enforcement of the rig FOR INFORMATION one Please call the Cardmembue lionscabout your account or this agreement or billing and other terms such as the nature, my hions, dditions, statement it you have any q or deletions are called "Changes' or a'Change . licable law. These Changes may be will notify you any Change if required app be effective with notice only, at the time stated in our notice, in acc ihecunpaid ROep This LNoti of For Future Use on aw Yo.ur Unless account nt and otherwise, any Change will apply to This notice contains important information abou[your rights and our responsibilities nd to new transactions. and under the fair Credit Billing Act. balances applicable law. of Questions The notice will describe any rights you may have with respect a any Change, to Notify Us In Case Of Errors Of needornorevnlormation about a transaction May the consequences if you do or do not exercise those rights. For example, the notice a se orate sheet at the Cardmember Service address shown a specified date if you do not wanntto If you think your bill is wrong, you that vo a notii us in waling by .. -in accept certain Changes we are ma rng. on your billing statement. Write to us as soon as posse may will be the Chang o pay our outstanding name b la balance u it at I already tedrm5 of the s,YDUF our outstanding balance under he applicable no later than 60 days after we sent you the first sift on which the error or problem accept agreement. if you appeared. You can telephone us, but doing so will not preserve your rights. will obligated to pay y h the date stated in the notice, or If you do not notify us in writing by In your letter, give us the following information: notify us but then use your account after the date stated in I. he notice, you will be In name and account number. deemed to accept all Changes in the notice and to accept and confirm all terms o you can,whyyov believe there is an error. If you your agreement es in prior notices we have sent you regardless of . The dollar amount of the suspected error. and all Chang • Describe the error and explain, if y CREDIT whether you have access to your account. need more information, describe the item you are not sure about. We INFORMATION obtaining information from credit If you have authorized us to pay yourcreditcardbillautomaticallyItemyoursavings er review your credit history by or checking account, you can stop the payment on any amount you think is wrong. We may periodic Y our account to credit bureaus, including at our letter must teach us at least three business days before bureaus and others. To stop the payment your ur may report ep to rt pay us information on about you and request additional cards on your account for the automatic payment is scheduled to occur- others, II you others, we may report account information in your name as well as in the names of Your Rights And Our Responsibilities AfterWe Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corrected the 11 you think we have reported inaccurate information to a credit bureau, you may error by then. Within 90 days, we must either correct the error or explain why we those other people. write to us at the Cardmember Service address listed on your billing statement. believe the bill was correct. 3e -an a brief accont r- hone numbe description the pr not tr to bill you for the amount you qque uest, o, y to collect any amount you Quer After w as delinquent. We can continue Please include your name, address, lee, leaseup ovidte 1a copy of the creditbureau report you any un aid amount amount you ur credit report in question, We will promptly investigate the matter and, if our investigation including tine. You do not have to pay y questioned amount while we are investigating, but will ailabl, contact p each cr edit bureau to whit we reported finance charges, and we c a n apply P shows that you are right, m. II available, disagree with you after the information and will request they ey correct the report If ne. We will also notify the you are still obligated to pay the parts of your bill that are not in question. l yo nce our investigation, y u di tell you in writing or by erePho If we find that d t made quemistake on your stioned amountillf we didn't makeeatmstake, yfouamay charges related to any q meats on credit bureau that you dspute the information unless you let us know that you n have to pay finance charges, and you will have to make up any missed pay N071CESICHANGE OF PERSONAL INFORMATION the questioned amount. In either case, we will send you a statement of the amount longer dispute the information. h you owe and the date that it is due. tf ooweath ate hattisdu hinkyouowe,wemayreportyouasdelinquent. We will send cards, billing statements and other notices toyouat the address shown opaythe amount ur explanation does not satisfy you and you write to us within 10 days in our tiles. acif this is joint account, we can send billing statements and notices e our name, However, to to any joint account hol lder. in t one of You will considered notice to alt of y you and all 01 youwill remainObligated ontheaccount account. ltyouyou3 Y telling us uitlyourtill.And, we must tell you the name of anyone we reported dres have a q you address, or home, cellular cements Of telephone number' or email must notify us elect to receive billing statnts or other notices online), y youto.Wemusttellanyone wereport you to that the matterhasbeensettledbeiween us when it finally is. immediately in writing at the address shown on your billing statement. or c may, a our option, accept mailing address correclionstroto theUnitedStates Postal Service. It we don't follow these rules, we can't collect the first S50.00 of the questioned amount, even if your bill was correct. telephone number eber r o you about your u Special Rules for Credit Card Purchases Bt VJe any may address s o or r telephone ot na e number a as s weu welft as any cellular as any cellular customer provide us. CMA12762 Pane 4 Of 6 N you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, due on the Properly you may have the right not to y he remaining transactions. aThere a mount re two limitations an this right s This right does not apply to check (a) You musthave made the purchase in dress; andate or, it not withinyour home state, within 100 miles o1 your current mailing ad (b) The purchase price must have been more than 550.00. These limitations do not apply it we own or operate the merchant, or ii we mailed you the advertisement tar the property or services. Copyright©20D7 JPMorgan Chase & Co. All rights reserved CMA12762 7 n SnfF VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. 14904 relating to unsworn falsifications to authorities, that he/she is Ruben A. Alcaraz (Name) Assistant Treasurer of Chase Bank USA, N.A. , plaintiff herein, that (Title) (Company) he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief. 4 (Signature) ben A. Alcaraz W WR# Client Account # Name SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff FIL EU-OF SCE t?ku 03V THE i% _ 1i Q UTA ';' Jody S Smith Chief Deputy, ,1 r?fl g: 11 .z; Richard W Stewart solicitor "LIMO: RLAND COU?4T Chase Bank USA, N.A. Case Number vs. 2010-5656 John Tyler SHERIFF'S RETURN OF SERVICE 09/15/2010 07:47 PM - Ryan Burgett, Deputy Sheriff, who being duly sworn according to law, states that on September 15, 2010 at 1947 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: John Tyler, by making known unto himself personally, at 132 High Street, Enoia, Cumberland County, Pennsylvania 17025 its contents and at the same time handing to him personally the said true and correct copy of the same. RYAN BURGETT, DEPUTY SHERIFF COST: $41.50 September 17, 2010 SO ANSWERS, RON R ANDERSON, SHERIFF (c) GoumySuito She!* Ie eosoR. In- F: 1- TE L; FF i C; IJdut. t ' Aii 111' '. ',1 EI I1t... ,.l E.?Ij {.} L i IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. JOHN TYLER Defendant No. 10-5656 CIVIL TERM PRAECIPE FOR DEFAULT JUDGMENT FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan, Esquire PA. I.D.#47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 W W R#08560040 Judgment Amount $39346.31 bad aA k g ?, 3LO 93? kgspa't 1v? ? qt;yv?w IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No. 10-5656 CIVIL TERM JOHN TYLER Defendant PRAECIPE FOR DEFAULT JUDGMENT TO THE PROTHONOTARY: COUNTI Kindly enter Judgment against the Defendant, JOHN TYLER, above named, in the default of an Answer, in the amount of $14773.81 computed as follows: Amount claimed in Complaint $14452.76 Interest from August 17, 2010to October 28, 2010 $171.05 at the legal interest rate of 6% per annum Attorney's fees $150.00 TOTAL $14773.81 COUNT II Kindly enter Judgment against the Defendant, JOHN TYLER, above named, in the default of an Answer, in the amount of $24572.50computed as follows: Amount claimed in Complaint $24136.83 Interest from August 17, 2010to October 28, 2010 $285.67 at the legal interest rate of 6% per annum Attorney's fees $150.00 TOTAL $24572.50 TOTAL COUNT I & COUNT 11 $39346.31 I hereby certify that appropriate Notices of Default, as attached have been mailed in accordance with PA R.C.P. 237.1 on the dates indicated on the Notices. WELTMAN, WEINBERG & REIS CO., L.P.A. By: li?„' William T. Molczan, Es5ee PA. I.D.#47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#08560040 Plaintiffs address is: c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7th Avenue, Pittsburgh, PA 15219 And that the last known address of the Defendant is: 59 WALNUT ST, BEAVER,PA 15009 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff Vs. JOHN TYLER Defendant TO: JOHN TYLER 132 HIGH ST ENOLA, PA 17025 Date of Notice: t 0 to Case No. 10-5656 CIVIL TERM IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA. 17013 (717) 249-3166 WELTMAN, WEINBERG & REIS CO., L.P.A. may: - Matthew Urban P.A.I.DA 90963 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, 1400 Koppers Building Pittsburgh, PA 15219 Phone: (412) 434-7955 8560040 J PIT K4M IN THE COMMON PLEAS COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff Civil Action No. 10-5656 CIVIL TERM VS. JOHN TYLER Defendant NON-MILITARY AFFIDAVIT The undersigned is the duly authorized agent and/or attorney for the Plaintiff in the within matter and states as follows: Affiant states that the within Affidavit is made pursuant to and in accordance with the Servicemembers' Civil Relief Act (SCRA), 50 U.S.C. App. 521. Affiant further states that based upon investigation it is the affiant's belief that the Defendant, JOHN TYLER is not in the military service. Affiant further states that this belief is supported by the attached certificate from the Defense Manpower Data Center (DMDC), which states that the DMDC does not possess any information indicating that the below individual is in the military service: JOHN TYLER 132 HIGH STREET ENOLA, PA 17025 Affiant further states that the averments contained herein are true and correct to the best of Affiant's knowledge, information and belief and that these averments are made subject to the penalties of 18 Pa C.S.A. §4904 relating to unsworn falsification to authorities. Affiant tequest for Military Status Department of Defense Manpower Data Center 40 Military Status Report Pursuant to the Service Members Civil Relief Act Page 1 of Nov-03-2010 11:02:41 Name Last I First/Middlel Begin Date I Active Duty Status I Active Duty End Date I Service TYLER I JOHN (Based on the information you have furnished, the DMDC does not possess any information indicating the individual status. Jpon searching the information data banks of the Department of Defense Manpower Data Center, based on the nformation that you provided, the above is the current status of the individual as to all branches of the Uniformed iervices (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). Mary M. Snavely-Dixon, Director Department of Defense - Manpower Data Center 1600 Wilson Blvd., Suite 400 Arlington, VA 22209-2593 Che Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that maintains the )efense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. Che DoD strongly supports the enforcement of the Service Members Civil Relief Act (50 USC App. §§ 501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds )f thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced a small error rate. In the event the individual referenced above, or any family member, friend, or epresentative asserts in any manner that the individual is on active duty, or is otherwise entitled to the protections of the iCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's >ervice via the "defenselink.mil" URL httv://www.defenselink.mLl/faq/pis/i? If you have evidence the )erson is on active duty and you fail to obtain this additional Service verification, punitive provisions of the SCRA may )e invoked against you. See 50 USC App. §521(c). f you obtain additional information about the person (e.g., an SSN, improved accuracy of DOB, a middle name), you :an submit your request again at this Web site and we will provide a new certificate for that query. Phis response reflects active duty status including date the individual was last on active duty, if it was within the )receding 367 days. For historical information, please contact the Service SCRA points-of-contact. Dore information on "Active Duty Status" kctive duty status as reported in this certificate is defined in accordance with 10 USC § 101(d)(1) for a period of more han 30 consecutive days. In the case of a member of the National Guard, includes service under a call to active service authorized by the President or the Secretary of Defense for a period of more than 30 consecutive days under 32 USC § i02(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All kctive Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they ;upport. This includes Navy TARs, Marine Corps ARs and Coast Guard RPAs. Active Duty status also applies to a Informed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the ittps://www.dmdc.osd.mil/appj/scra/popreport.do 11/3/201( tequest for Military Status Page 2 of: Jational Oceanic and Atmospheric Administration (NOAA Commissioned Corps) for a period of more than 30 :onsecutive days. 7overage Under the SCRA is Broader in Some Cases overage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes ,f the SCRA who would not be reported as on Active Duty under this certificate. dany times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons &eking to rely on this website certification should check to make sure the orders on which SCRA protections are based lave not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend o persons who have received orders to report for active duty or to be inducted, but who have not actually begun active luty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protection )f SCRA extend beyond the last dates of active duty. Phose who would rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to iervice members under the SCRA are protected. WARNING: This certificate was provided based on a name and SSN provided by the requester. Providing an erroneous lame or SSN will cause an erroneous certificate to be provided. teport ID:2GBPPNICKI ittps://www.dmdc.osd.mil/app.j/scra/popreport.do 11/3/201( IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff JOHN TYLER vs. Civil Action No. 10-5656 CIVIL TERM Defendant NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff (xx) Defendant ( ) Garnishee You are hereby notified that the following Order or Jud m nt was entered against you on I IN (xx) Assumpsit Judgment in the amount of $14773.81 plus costs as to Count I. (xx) Assumpsit Judgment in the amount of $24572.50plus costs as to Count II. ( ) Trespass Judgment in the amount of $ plus costs. ( ) If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, PA. (xx) Entry of Judgment of ( ) Court Order ( ) Non-Pros ( ) Confession (xx) Default ( ) Verdict ( ) Arbitration Award Prothonotary JOHN TYLER 132 HIGH STREET By: ENOLA, PA 17025 PROTHONOTAR PU ) Plaintiffs address is: c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7th Avenue, Pittsburgh, PA 15219 1-888-434-0085 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. JOHN TYLER Defendant MEMBERS 1ST CU WACHOVIA BANK, Garnishee, No. 10-5656 CIVIL TERM PRAECIPE FOR WRIT OF EXECUTION (BANK ATTACHMENT ONLY) FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T Molczan, Esquire PA I.D. #47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#8560040 O C=) M O? -f0 n ym. 0-n Z ' C7 ? ? C ) ern ? tv J Z" ? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No. 10-5656 CIVIL TERM JOHN TYLER Defendant MEMBERS 1 ST CU WACHOVIA BANK, Garnishee PRAECIPE FOR WRIT OF EXECUTION TO THE PROTHONOTARY: Kindly issue a Writ of Execution in the above matter... 1. directed to the Sheriff of CUMBERLAND County: 2. against JOHN TYLER, Defendant 17 a S 7 "IP yu a to n N--' S?t%W,?g ? 3. against MEMBERS 1sT CU and WACHOVIA BANK, Garnishee (04 F !-hgh S*. 4. Judgment Amount Co-rki31e, ?A I7t>13 $ 39,346.31 Interest Costs SUBTOTAL: Costs (to be added by Prothonotary): it C) -tj> -LL ft?4.5 ",ID s' c t.:). 00 C6F s 14.ou UP a. So µ If ' y 1 . 50 C f3F X17 S ?D a? a . on ?`c Co. g.saLL $ 226.38 $ ScA $ 9 WELTMAN, WEINBERG & REIS CO., L.P.A. By: Williamml/T olczan, Es ire PA I.D. #47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 12 *assIMP W r 4 O? f?G J'ssued I WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO 10-5656 Civil COUNTY OF CUMBERLAND) CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due CHASE BANK USA NA Plaintiff (s) From JOHN TYLER, 139Wij?, Vre,4- , J?a°la , P(4 l?OaS (1) You are directed to levy upon the property of the defendant (s)and to sell (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: MEMBERS V CU, 401 East King Street, Shippensburg, PA 17257 WACHOVIA BANK, 604 East High Street, Carlisle, PA 17013 and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an su sect to attac ent is oun m t e possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $39,346.31 Interest $226.38 Atty's Comm % Atty Paid $174.50 Plaintiff Paid Date: 01/04/2011 .,(Seal) REQUESTING PARTY: Name WILLIAM T MOLCZAN, ESQ. L.L. S. 50 Due Prothy $2.00 Other Costs r?_ David 'b. , Proth notary By: Deputy Address: WELTMAN, WEINBERG & REIS CO. L.P.A. 1400 KOPPERS BUILDING 436 SEVENTH AVENUE PITTSBURGH, PA 15219 Attorney for: PLAINTIFF Telephone: 412-434-7955 Supreme Court ID No. g7gS7 tJAN 1Mom 0 2011 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. JOHN TYLER Defendant and MEMBERS 1 ST CU WACHOVIA BANK Garnishees No. 10-5656 CIVIL TERM AI15We.P8 -o INTERROGATORIES IN ATTACHMENT MEMBERS 11T CU WACHOVIA BANK Plaintiff crj FILED ON BEHALF OF: M sq- - r•-- U) COUNSEL OF RECORD OF THIS PARTY: William T Molczan, Esquire PA I.D. #47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#8560040 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. JOHN TYLER Defendant and MEMBERS 1 ST CU WACHOVIA BANK Garnishees Civil Action No.: 10-5656 CIVIL TERM TO: MEMBERS IsT CU Suggested Reference No.: XXX-XX-3794 401 EAST KING STREET SHIPPENSBURG, PA 17257-1501 WACHOVIA BANK 604 EAST HIGH STREET CARLISLE, PA 17013-2608 RE: JOHN TYLER 132 HIGH STREET ENOLA, PA 17025 UVIPORTANT NOTICES TO GARNISHEE! A. You are required to file answers to the following interrogatories within twenty (20) days after service upon you. Failure to do so may result in Judgment against you. B. Herein, the word "defendant" means any one or more of the defendants against whom the writ of Execution is issued. C. While service of Writ upon the Garnishee attaches all property of the Defendant subject to attachment which is then in the hands of the garnishee, it also attaches all property of the defendant which comes into the Garnishee's possession thereafter, until Judgment is entered against the Garnishee. For example, the resultant liability of a Garnishee-Bank would not be measured by the balance in the debtor's account, either at the time of service of the Writ or at the time of Judgment against the Garnishee, but rather by the amounts deposited and withdrawn during the intervening period. INTERROGATORIES IN ATTACHMENT 1. At the time you were served or at any subsequent time did you owe the defzttdant any money or were you liable to him on any negotiable or other written instrument, or did he claim that you owed him any money or were liable to him for any reason (including funds on deposit for checking or savings accounts and certificates of deposit)? No 1 a. If the answer to Interrogatory 1 is in the affirmative, state the following: the amount of money you owe or owed to defendant, and, if such money is in the form of a fund, the present location thereof; the terms, face amount and amount you owe or owed to defendant on each of such negotiable or other written instruments and the present location of each of such instruments; the amount or amounts that defendant claims or claimed that you owe or owed to him; and the nature and amount of each of such liabilities. NIA 2. At the time you were served or at any subsequent time was there in your possession, custody or control of yourself and one or more other persons any property of any nature owned solely or in part by the defendant. IV? 3. At the time you were served or at any subsequent time did you hold legal title to any property of any nature owned solely or part by the defendant or in which defendant held or claimed any interest? NO 4. At the time you were served or at any subsequent time did you hold as fiduciary any property in which the defendant had an interest? ND 5. At any time before or after you were served, did the defendant transfer or deliver any property to you or to any person or place pursuant to your directions or consent and if so what was the consideration thereof? No 6. At any time after you were served did you pay, transfer, or deliver any money or property to the defendant or to any person or place pursuant to his direction or otherwise discharge any claim of the defendant against you? No 7. If you are a bank or other financial institution, at the time you were served or at any subsequent time did the defendant have funds on deposit in an account in which funds are deposited electronically on a recurring basis and which are identified as being funds that upon deposit are exempt from execution, levy or attachment under Pennsylvania or federal law? If so, Identify each account and state the reason for the exemption, the amount being withheld under each exemption and the amount of funds in each account, and the entity electronically depositing those funds on a recurring basis. Nb 8. If you are a bank or other financial institution, at the time you were served or at any subsequent time did the defendant have funds on deposit in an account in which the funds on deposit, not including any otherwise exempt funds, did not exceed the amount of the general monetary exemption under 42 Pa.C.S. § 8123? If so, identify each account. No Funds 9. If the answer to Interrogatory I is in the affirmative, state the date the sheriff served these interrogatories on this institution. NIA 10. If the answer to Interrogatory 1 is in the affirmative, state the date the written instrument, checking or savings account, certificate of deposit, or other funds were frozen, restricted, or otherwise put on hold by this institution. NIA 11. If the response to Interrogatory 7 is in the affirmative, are other funds comingled in the account which are not deposited electronically on a recurring basis and which are identified as being funds that upon deposit are exempt from execution, levy or attachment under Pennsylvania or federal law? MA 12. If the response to Interrogatory 11 is in the affirmative, state the amount of non-exempt funds on deposit in the account. N I PC WELTMAN, WEINBERG & REIS CO., L.P.A. By. / l William T Molczan, Es ire PA I.D. #47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#8560040 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA. C.S. 4904 relating Jody L. Burkholder to unsworn falsifications to authorities, that he/she is (Name) Deposit Operations Analyst (Title) Members 1 st Federal Credit Union (Company) garnishee herein, that he/she is duly authorized to make this verification, and the facts set forth in the foregoing Answer to Interrogatories are true and correct to the best of his/her knowledge, information and belief. 1 NATURE) SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor ti. 1L E'-0 I 1 "E rh,,.a CIF H! i JAN 13 AM 10: 5 Chase Bank USA, N.A. vs. John Tyler Case Number 2010-5656 SHERIFF'S RETURN OF SERVICE 01/10/2011 02:55 PM - Stephen Bender, Deputy Sheriff, who being duly sworn according to law, states that on January 10, 2011 at 1455 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the within named defendant, to wit: John Tyler, in the hands, possession, or control of the within named garnishee, Members 1st Federal Credit Union, 1166 Walnut Bottom Road, Carlisle, Cumberland County, Pennsylvania 17015, by handing to Marisol Barber, Assistant Branch Manager, personally three copies of interrogatories together with three true and attested copies of the writ of execution and made the contents there of known to her. The writ of execution and notice to defendant was mailed on January 11, 2011 to John Tyler at 132 High Street, Enola, PA 17025. 01/10/2011 02:30 PM - Stephen Bender, Deputy Sheriff, who being duly sworn according to law, states that on January 10, 2011 at 1430 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the within named defendant, to wit: John Tyler, in the hands, possession, or control of the within named garnishee, Wachovia Bank, 604 East High Street, Carlisle, Cumberland County, Pennsylvania 17013, by handing to Kris Darhower, Customer Service Representative, personally three copies of interrogatories together with three true and attested copies of the writ of execution and made the contents there of known to her. SO ANSWERS, 21 January 11, 2011 RON R ANDERSON, SHERIFF Steph n Bender, Deputy of GounfySuile Sherl, Te eoso8. Irc. SIRLIN GALLOGLY & LESSER, P.C. By: Jon C. Sirlin, Esquire Identification No.: 17498 123 South Broad Street, Suite 2100 Philadelphia, PA 19109 (215) 864-9700 Attorney for Garnishee CHASE BANK USA, N.A. VS. JOHN TYLER and C7 o _n l COURT OF COMMON PLE -or" COUNTY OF CUMBERL f?-- cv ©j? -n NO. 10-5656 a? N A_ C1 CDrn WACHOVIA BANK, A DIVISION OF WELLS FARGO BANK N.A.. GARNISHEE ENTRY OF APPEARANCE TO THE PROTHONOTARY: Kindly enter my appearance on behalf of Wachovia Bank, a Division of Wells Fargo Bank, N.A., Garnishee in the above-captioned matter. Date: WELTMAN, WEINBERG & REIS CO., L.P.A. BY: James C Warmbrodt, Esquire Attorney for Plaintiff(s) I.D. No.42524 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: 412.434.7955 Fax: 412.434.7959 File # 8560040 CHASE BANK USA, N.A. vs. JOHN TYLER and MEMBERS I ST CU AND WACHOVIA BANK Garnishee(s) CUMBERLAND County Court of Common Pleas NO. 10-5656 CIVIL TERM PRAECIPE TO DISCONTINUE ATTACHMENT EXECUTION TO THE PROTHONOTARY: r.-) Y? f?7 j f cdo 't r% ? 3 Kindly marked the above matter discontinued and ended as to Garnishee(s), MEMBERS 1 ST CU AND WACHOVIA BANK, only. WELTMAN, WEINBERG & REIS CO., L.P.A. By Sworn to and subscribed Before me the day-6f February, 2011 NOTARY PUBLIC COMMONWEALTH OF PENNSYLVANIA Notarial Seal Sheila G. Bevan, Notary Public Ross Twp., Allegheny County My Commission Dores Nov. 15, 2014 James Crarmbrodt, Esquire Attorne or Plaintiff MEMBER, PENNSYLVANIA ASSOCIATION OF NOTARIES SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R AndersonFILED-OmcL, Sheriff tsr t 'uattb O' THE PR(}7F10N0TAd'%'_t, Jody S Smith Chief Deputy 4:! ! SEP -2 PM 2: 36 .. .r Richard W Stewart CUMBERLAND COUNTY Solicitor 7)FFI EFT"` PENNSYLVANIA Chase Bank USA, N.A. Case Number vs. 2010-5656 John Lewis Tyler SHERIFF'S RETURN OF SERVICE 01/10/2011 02:55 PM - Stephen Bender, Deputy Sheriff, who being duly sworn according to law, states that on January 10, 2011 at 1455 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the within named defendant, to wit: John Tyler, in the hands, possession, or control of the within named garnishee, Members 1st Federal Credit Union, 1166 Walnut Bottom Road, Carlisle, Cumberland County, Pennsylvania 17015, by handing to Marisol Barber, Assistant Branch Manager, personally three copies of interrogatories together with three true and attested copies of the writ of execution and made the contents there of known to her. The writ of execution and notice to defendant was mailed on January 11, 2011 to John Tyler at 132 High Street, Enola, PA 17025. 01/10/2011 02:30 PM - Stephen Bender, Deputy Sheriff, who being duly sworn according to law, states that on January 10, 2011 at 1430 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the within named defendant, to wit: John Tyler, in the hands, possession, or control of the within named garnishee, Wachovia Bank, 604 East High Street, Carlisle, Cumberland County, Pennsylvania 17013, by handing to Kris Darhower, Customer Service Representative, personally three copies of interrogatories together with three true and attested copies of the writ of execution and made the contents there of known to her. 09101/2011 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states this writ of execution is returned as ABANDONED. No action on writ in over 6 months. SHERIFF COST: $142.53 SO ANSWERS, September 01, 2011 RON R ANDERSON, SHERIFF SSl L C ?l( Nj -# io} Gau!t?ySude S'henft. Telecseott. Istc. ??