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10-5758
OF - 10- CUM IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff VS. RICHARD ROSWOG Defendant No : lo-,51758 CCOMPLAINT 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 08567991 C J Pit KMJ #ga.oo Po ATr1 el' g7vsicko dt a478C-V IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No RICHARD ROSWOG Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, CHASE BANK USA, N.A. is a corporation with offices at 200 WHITE CLAY CENTER DR NEWARK , DE 19711 . 2. Defendant , is adult individual(s) residing at the address listed below: RICHARD ROSWOG 666 STATE ST LEMOYNE, PA 17043 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number XXXXXXXXXXXX9235 . 4. Defendant made use of said credit card and has a current balance due of $12538.91 . 5. Defendant is in default of the terms of the Cardholder Agreement having not made monthly payments to Plaintiff thereby rendering the entire balance immediately due and payable. 6. Plaintiff avers that the Cardholder Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 7. Plaintiff avers that such attorneys' fees will amount to $300.00 . 8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the principal balance, and accrued interest or any part thereof to Plaintiff. Wherefore, the Plaintiff prays for judgment against Defendant , RICHARD ROSWOG , individually , the amount of $12538.91 with continuing interest thereon at the statutory rate of 6.000% per annum from August 25, 2010 , plus attorneys fees of $300.00 and costs. James C ar ro t,42524 WELTMAN EINBERG & REIS CO., L.P.A. 436 Se en Avenue, Suite 1400 08567991 C J Pit KMJ Pittsb rg , PA 15219 (412) 34- 955 FAX: 12- 38-7130 This law firm is a debt collector attemp ing o collect this debt for our client and any information obtained it be used for that purpose. Payment Due Date New Balance Past Due Amount Minimum Payment 06118110 512,538.91 5981.00 $2,057.91 Account number: 5466 1502 2084 9235 . Make your check payable to: Chase Card Services. Please write amount enclosed. New address or e-mail? Pnm on back 54LL1502208492350020579101253891000000000000005 65652 BEX Z 14110 D RICHARD ROSWOG 801 WALNUT ST APT 8 LEMOYNE PA 17043-1578 Ir.rlllrlrrl.rlrlrrl.rllrrllrl.rr.llrl.lrrrll.rlrlrrrllr.llrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 t: 5000 160 261: 4 7B0 2 20849 2 3 5411• CHASE 0 Q Manage your account online: Additional contact information www.chase.com/credikards conveniently located on reverse side ACCOUNT SUMMARY Account Number: 5466 1502 2084 9235 Previous Balance 572,325.34 Fees Charged +539.00 Interest Charged +5174.57 New Balance 512,538.91 Opening/Closing Date 04/2 2 /1 0 - 05/21110 Credit Access Line 511.800 Available Credit So Cash Access Line 511,800 Available for Cash so PAYMENT INFORMATION New Balance 512,538.91 Payment Due Dale 06118!10 Minimum Payment Due $338.00 Balance Over Credit Access Line 5738.91 Past Due Amount 5981.00 Total Minimum Payment Due 52,057.91 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 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 34 years S31,269 payment S449 3 years 516,147 (Savings=515,122) 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 SELECT SUMMARY 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, New total points balance 0 cash, or merchandise. Remember, you can Total points unavailable for redemption 8,363 earn points by using your flexible Rewards Select credit card for your everyday purchases like groceries, gas, and grocery purchases. Your Chase Flexible Rewards Select credit card earns 1 point for every S1 spent on purchases. Earn up to an additional 10 points while shopping online through www.chase.comlrewardsplus. 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. 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 S Amount uwles LATE i-EE u-1 05/21 05121 8567991 0512, 0000001 FIS33338 D8 X 0155 :FEES CHA#41) 00 L! LL i T ]IS PERIOD 53900 IHTERESTCHARGI D I-UkurlASE iNTERESI CHAKuE 08 PROMOTION INTEREST CHARGE 3.23 PURCHASE INTEREST CHARGE 141.11 BALANCE TRANSFER INTEREST CHARGE 30.15 TOTAL INTEREST FOR THIS PERIOD S174.57 This Statement is a Facsimile - Not an original 000 N Z 21 10ASi21 Page 1 d2 05686 MA MA 65652 141'D000000006S65201 EXHIBIT 1 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: 8567991 L To contact us regarding your account: By Telephone: © In U.S. 1-800.945.2000 9 Espanol 1-888-446-3308 TOO 1-800-955-8060 Send Inquiries to: Mail payments to: Visit Our Web i Pay by phone 1-8001336-7958 P.O. Box 15298 P.O. Box 15153 www chase.coMaeditcards Outside U.S. call tolled Wilmington, OE 19850-5298 Wilmington, DE 19886-5153 1-302-594-8200 Idomatlen Abmt Your Arnaunl Cradling of Psymwi You my make payments by any of the Whom listed below. The mount of your payment should be at least your mlot- payment due, payable in U S, dollars and drawn or payable through a U.S. financial Institution or the U.S. branch of a foreign financial Music.. You my make paymrds by regular U.S. nail Send your payment to the Payments address shown on this statement. Your payments by mail must comply with the instructions on this shorthand. Do old send ash. White your Account number on your check or money order. Payments mart be accompanied by the payment coupon in the envelope provided with our address viable though the antelope vvInI the enwbpe cannot wider more than one Paymrd or coupon; and there on be on staples, paper clips, tape or conespondence Includulwithyrrpeymerd. Nyour psymwmkinaaodance wkh ourpaymrdimlrudwm and is made available to nee on any day by 5:70 p.m. but tine at our payments address on this statement. we will credit the payment to your Accord as of that clay If your payment Is in accordance with our peynwru Nefruclions, out's made awllapk to m after 5:00 p.m. tonal time at the Payments address on this statement, we will credit It to your Account as ct the raid akiids, day. . If we You may ranks pointers electronically through ourwhom shown ontds statement racehe your completed request on our websne oy 5 p.m Eastern Tine, we will o o your payment as of that day. N vim mature your request after 5 p.m. Eastem Tom. we coil credit your payment as of the meal calendar day. If you specify a foil date in your request we will credit your payment as of that day the same periodic tales. Variable tabs will vary with the marks based on ft* Prime Pate (or sw h irsexdescribed inyour Acouurd Agreerncnt). Thert's a mimm nn imertst eMrye of $1.50 (or such amount described In your Account Agmerrcra) In any tellilp cycle in which you owe any periodic interestcharge% and a imleaaion fee horeach balancetransfa, crib advance, or check transaction, in the ambwAs abed in your AaountAgreemeM, as it may be intended. There is a foreign interaction fee of 3% of the U.S. finger amount of any lorelpn transaction (d such amount described in your Account Agreement). Now to Avoid Paying Internal on Purchases: We begin assessing periodic idareat charges on a tnmaclion, lots, or nteres charge from the data it is added to your dally balance uma your Account is paid in full, as described in your Account Agrcertsd Your tlce date wa be a minimum of 21 days foroviring the dare of each baling cycle. You an avoid periodic interest charges on not purchases when tiny am fast billed to a slalsrad as described below but thisddes not apply to balance transfers, cell adwricsor over" utanm. It you Incomes current monthly statemenlthat includes new purchases and makeapaymrd thatwe "i or by its date andtnathe Mini mm Payment Is due forthat Chianti wor will not charge Periodic if4OMd on my portion of those mar purchases thal we all=% such prymerd to, m lore as 1) your carted obtained also stows 11x1 we remind payment d the ending balance for your previous modhe sbtanut by the date and thine its Minimum Payments cos due DN 2) that 1ha mcli g balance for your previous monti sWemed was mo. N you taw a balance to. then a puadmas bsanca and Mat hoWa carries a higher periodic interest Me, you may not be able to avoid pealodc interest charges on new purchases R you do tar pay your balance In full each month, because we generally eflecom promote first to the balarwe with the highest periodic interest rate. For all other payments or it any payment type above it which you do not foaew our What Ile De II Yen Thank Y. FM A M eah On Yaw StaM-at payment instructions, cracking of your payments may be del for up to 5 days Account Intervention Repoled Is Credit Bananas: We my report inlomalbn about your Account to credil burwus. Late payments. missed payments or other defaults on your Account may be mIWtted in your crock report. If you mink we have reporlad imrursb int-ration to a codil bureau, you may write to m at the Inquiries address shown on this nremem. NolkaAbgel ktadrak Chock Camarateu: When you pay bycheek. you in thorim us ether to ante Irlrmation Irom yon check to make acne-t'ane elcclrmk lord transler Irom your word or Its praass the payment ail a check tormac0um When we use information from your check to make an electronic fund tramlar, funds may be rithtrawn fire in your account as soon as the sumo day we receive your payment, and you will not receive your check back from your financial lnsl'Retlon. Gall the Qatomer Servla number on this datemem if you have questions about electronic check collection or do not wan your paymets cdkxted eiedmnkati Condtional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked 'paid In full' or comains a similar natation, or that you otherwise tender In full satlalsctbn of a disputed amount, mart be sent to Lard Services, P.O. Box 15049, Wilmington. DE 19950-5049. We memo all our rights regarding these payments leg.. t 1 Is drerminad them is no wild dhrN or N any such check Is received at any other address, we may accept the check and We will nil owe any remaining balance). We my refuse to accept any such payment by reli ming d to you, not cashing it of destmyily IL All other payments that you make should be sent to the regular Pa)Tmrd address shown on this datement . Annual Rerml Nobu: If your Account Agreement has an anntel membership fee and, or similar charge for issuance or awltad@y of your accord, ft will be billed each year or In monthly or quarterly nmallmems. This tee anyor charge are owed wfmff er or I you use your Account, and you agree to pay them when billed. The annual In and charge an non-rduldable unless you notiy us that you cosh to close your account wRhn 30 days or om bring cycle (whichever N lass) after wo ormi de the statemerd on which the annaat fee or charge is billed and it the same time, you pay your outstanding bola we Intull. R you do this, ton a charge billed more often than annually such is a monthly service charge, you will not ore the last billed chugs however, prior billed charges are nrrrefundable and must be paid as peA of paying your outstanding balance in full. Yom parro d of the amual fee or charge does not affect our rights to case your Amount and to limit your rtgb to make Iraraactions on your Account. R your Account is dosed byyvu or us, we will continue to Impose the annual fire anclJor charge and I you pay your outstanding balance in full and let "in yon ACcomt rentiomltp, Calculation of Daiwa Subted to Internet Nate: To figure your perbdk Interost charges for each being cycle when a daily coriodic rate(a; applies, we use the daily balance method iincluding cured tramactions). To figure your pentads Warne charges for each blimp cycle when a monthly periodic rate(s) appkm we use the average duly balance method (including tuned inns liom). For to explanation of edinr method, or merflons about a particular imensf charge abulation on your stodiar m, please call us at the lot free customer service pnnne numb. used above. We calculate periodic Interest charges, using the applicable periodic rates shown on this statemed, separately for each feature (e .g., ha onto border checks arid ash i duanx checks ("check trarsadIi purchases, balance trousers, cash advances, promotional balances or ow`rdmft.d..ce ThesealoeWiens may combina different categorieswith R you frank treae is an error an your statement . turtle to us on a separate sheet at Customer Service, P.O. Roar 15299 Wilinnglon, OE 19Mo-5299: In your Inner, gin us ft* actually information: • Account orientation: Your name and Account number. • Dolor amount: Tic ddhr amamt of the suspechol emr. • Description of Problem: It you tidnkthena is an ermron your nit, describe what you DNleve s wrong ]fag why you Dekve ? IS ] mNteYe. You must contact m within 60 days affr the error appeared on your statement You must ndiy us of any potential errors in writing. You may nil us, but k you do we e not required to investigate any pnkmlal mom and you may have to pay the amoud in question. While we investigate whether or not there has been an emr, the following ale tar. • We cannot try to colked the amount in question, or report you as lldirquent on that amours. • The charge in question nay remain on you summed, and we may continue b charge you interest on that anwum. But, R we Melmim that we made a mlaate. you've not have to pay the amount in question or ary interest or other fees milatec to that amount. • While you do nor have to pay the amount In question. you art respomible for the remind. of your orance. • We can apply any unpaid amount ago red your credit goat. Yoke Rights R Tot Ana Dlssaga led WIM Yaw Cfedfl Card Purchases R you nil dismiss ktl with the goods or services that you haw purchased with your credit card. and you have fined in good teith to correct the problem with the mordant, you may have the right not to pay the remaining amount due on the purchase. To use this right all of the folorving most bo Imo. 1. The purchase must have bear made In your home Rate or within 100 nailas of your coward maltng adefram. and the purchase pia must have been more than $50. (Note: Nether of these arc necessary if your purchase was based on an adverdeemed we matted b you, or R we own the company that acid you the goods or services.) 2. You muel haw used your credit and for the purchase. Purchases made with ash advances fmm an ATM or with a check that mossm your credit ad Account do not muliy. 3. You must nol yet have fully paid for the purchase If an of the criteria above are mr and you are stet di ud fkd with the pumhaae, contact us in wrRirg at Omloner Service, P.O. Box 15299 Wilmington, 0E 19850-5299: While we investigate, the same rules apply to the dispded amoudasdiscussed above. After we finish or ime logbn, we will tell you our decision. AI that point, 8 we think you owe an amcum arid you do not pay we may repel you as degrauent. MA1202009 Statement Dates 04/22110 - 05.!21/10 Account Number: 5466 1502 2084 9235 Page 2 of 2 ' 2010'Tctalc Year-to-Dale Total fees charged in 2010 5156.00 Total interest charged in 2010 5677.73 Year-to-dale 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 18.24% (v) 50.00 $0.00 50.00 Purchases 18.24%(vl $9,412.89 $141.11 50.00 Purchases 18.24%(v) $5.20 S0.08 50.00 Cash Advances 1924.%(v) 50.00 S0.00 50.00 Cash Advances 19.24% (vl 50.00 50.00 50.00 Cash Advances 19.24% (v) S0.00 50.00 $0.00 Balance transfer 18.24%(v) 52,011.06 53015 50.00 Promotion 3.99% 5985.48 5123 50.00 (v) = Variable Rate Please see Information About Your Amount .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. 8567991 This Statement is a Facsimile - Not an original X 0000001 F1533338 D 8 000 N Z 21 10105121 Pape 2 of 2 056136 MA MA 65652 14110000060006565202 8567991 Of your account balance, including any fees and Seance charges, and making sure ;t C114P 762 dit line for any . line. Your 'Acc remains below Your creedit ovie(limit leeoasndeser bed inlhisrag°re -ment-Vile may,but reason.sJe maY charg You In es that go aver your credit fine_ You must pay any e r e e ?Td e Eft are not required authorize charg us: immediately it are esk you to_ This redit line, and you must pay balance over your amount over your lies cro any balance on your account, including hany agreement app sh advance PTANCE 0THI S FGREENIEWT oijntvJ-,Ih us reference this agreement. cteditline. greemeMgovernsy ourCied;tca'dacc I youraccountiscoverldbyhtcardcarj1zr At ditlincretion,wemayincrtase,reduce, orcaneelyour une, or the cash cardsor this accounl. Any use o at an time. Ifowevec if you have asked us not to do so.-we lining it I your fe[Dtds. You authorize ?omise to portion of your credit line' Y lot our account. You p our d our credit line. A change to your credil line will not aHec[ your obligation ;e read the enure agreement and keep ;., i1lnolincreas"Y any I'd charg'' Your account for III uansactions m ad e ° " Y esponsible for it p charges. rgesaying to pay us. Iaon° act.hunt,aswe11asanyleesOr{inance. rs nr ll transau i s made transaction 1 at you ctions: Internatio ou, togett'er and individuaIl y, is W may requ that o ma ke outside o1 the United States of America even s is a joint accounl, each of y on{ one of y our e lnlcrnational Transanal transactions +nclude rson(s) to Pay- reemenj make in a foreign currency or thaly a.dollIrrds I 11 nter You national, Inc__ %WU convert the transaction Into U_S- the tullamounto he n ureceiveil.Youw'llbe6oundby don'I it it is made inU.S. doll make a transaction in a foreign cutrencg If this a9 mounts owed, even ilNet,, 11ho 1tirsl 3S * the other e pay ur ose, even it you international or M active currency conversion procedures. The exchange rata each se ign the b ack o f y our Card ++ yo this agreement dollars byusing i15 resp is a rate that d selects eilhef from the range of rates the -ar 2, u of anyone authorized by yon use Y°'rr account ouWillbe hound hY you have ble rocess'ing date {which ou use y°ur a"Duet or nol.y our card and y entity uses to convert currency or the iar your [ard.`Nhethery sahzrreceivingY respective entity itself receives), available in thew foernal the urrate ythetks 1 keahle pro1cess ng dafe.The rate in effect zs you cancel VOW account within 30 day N.A.. rate may vary used your account for any purpose. mean Chase Bank USA, you USE' the ' words-v+e-,--u5 and oU•-your and-yours Mean all government- mandatedra'ngd liectontheapp ouyhoullhisagreemeni. ersanwhoapplied ontheapplicableprocessing dale maydiHertromtharaonal 3 of the U.S. dyourcard +ncluding Iht p ssuer of your c redit card and accounl. The v+otds Y statements, as w e N as any or acco nternalionalrlrathe c fon! whether thatat 'ranzacrtonwas or- allydm, dean U.S- sons responsible for complY'ng w ;,bihis agraeeddrmeesnst, billing ; and converted to U.S. dollars by Visa or tords the account and the person to whom we effnii You dollars of was made in another currency Maastny ereard_ In either case,lhe 3 % will be calculated on the U.S. dollar amount prow e rocess and charges may applY'I any international sonwho aes deviceslisuch astacCOUnt u nuI. The mbers.Dhatcwt havenssued to Pto ca of other act to us by that entity. The same p E ?/ $lTransac)ion obtain credil under this agreement. JR? r ersonal, family or transactions reverse - .IN[; YDURA000UNT it sha responsible Reiusal11"harizc7raofahefollwngreasOri!1- trequue tee or it is required by lav'•'Nt will not be on Your account for any ur account is a consumer account anll be used h^U$e°ut Your account. You vsehold purposes. unless we a9 r leased thfoug example. inlernel because of operational can side its, utchased o our account is in default r merchandise or services p onsibililylornakesutethat YOU becausey on. ifor Antny of unlawful activity o? omise louse your accounl only lot valid and lawluluansacuons-For onsible for laces. 1t is not out t nd P ou will remain resp it we suspect e illegai in some p reement- of a olhef reason. trnhling mayb for p laced un derthis ag _ rn our discretion, transaction on your account is declined or ;e you( account only ermissible transactions, a you a third party, even it you have sutftcient credit available- We are not responsible oot any losses it a aying for a transaction even if it is not permissible or contemp any reason, either by r lire that you register your account wish an e islet- 11 you goods or services. we may e9 for 9 For online transactions, ipes of Transactions'use your card top-IV transfer checks as a puichascs:You may h advance chock of clitickr. author;zat+on system thane tine Yvu? 0 1i etltransact ons.we want V ou to r5 rovide you cas reement as a chsck o raccou" , do not register, we may - all Clrecks.WeinayP Weal goods tseheminlhis this or ag balance Checks. Each check you Write for (unds.When we receive lay to use your account. toUansferbalancestoy RclvsaHoPay for goods or services, a check for payment".,! may review your account t to decide whether to authorize t n ", IIPay 9 YOU may not use any these checks toaen es! Only the we low- But Yo of our related c compomp [heck. We n,aybulare notregmted to, reject and return unpaid a check far any reason, you may use a check yor for other uses examples: si 9 n the cback. cash advance chats ckin9lhe following anies is the payee an the check Ibis account Irom of sef person whose name printed on the check mayollerwemakeloYou-We maytreat We of one of our related [omp ourcredillinehas been exceeded, at would are treated as cash advances andcemae tortanylef checks era lreatedas baanIcks ce Ynurcredillineofca hadvancePortionof y transfers eexcept as noted in this ag ou are s.bjecttothE terms be excee ded it we P post-dal k Paid, resuhinginanother checkbang She check is postdated_ N a nsible_ checks that we call convenience checks as dvaancestandsassessed caHhaduancefales -dared are not respaaid we hat we call c onvenience checks and that we indicated to y returned or not p specified on it maybeuealedascasha espe e you have used the check alter the ale aid the cbecil. sp (?ylrrber for cash advances. ns Oth _ and fees. You ar a in delaull or w • toihisa[cou rntmeraceounlsorloawith other ount 'is n or other balance "Inslerswe allow- Lost or Stolen at s. e° BalanceTranslz rs:You may lra^fse ould be if we p lost or stolen, or you think someone use or the this account tom o eons to access your act:- veslt 0alancetransferwexceedyouf our ermssion, hoyouwn onmustyouf canotifyrd ousr at billing once statement. Donal DID ther m without y P gut you may not transfer balances toof areq " do our available may use them t lephone number s Cardmembef Service e ounofityus, evenifyourcard, c h ec k, account number or other we may process a partial balance transfer up to YO of our related Com available credil lipnea, panics- II a portion terminate or suspendynur account is found or returned- We may your tomatic teller Machines foreign means ourtoaaccccessounl y a o hurery credit line. of cash from au use y - rash RJvaitees: You may use Your card tO g to obtain travelers checks. g v;legeswhenyov notify us of any loss,lheh or unauthorized use related retoccrve accepting the card; or es: ofloobtainlollery credit Pi from financial inslitulions lransaciions.Y°a account_ Currency, money no gaorders.wire iranslers or similar cash like charg a meet race 1raCtv+agers or (or sr ourbehall an d billthe p Y You may be liable ;I there is unauthorized use of your account from whit y tickets, casiming chips, . meet on y no benefit, but you will not be liable for Marc than SSD-DD of such transactions, and you account will not be liable for any such transactions made after you nosily us of the loss, t e o may also use a lhild pant service to make a pay with one of out related to this ac count. have an eligible checkin g unauthorizad use. ijowevet,you must identib(for us the unauthorized charges Iromwenhiecdh _ Overdraft Advances: 11 you you received nobznelit_ ou may link this account to your Checking accounl with out related ban to account under theterms olthis agrtementand WgInayiequireyouloprovideusintormalianinrrritinglohelp usin oulrvhawit banks, y you 10 [amply with certain procedures in connectionn with our cover an D. idralt on that checking eriodscalled biding we may also require your checking account agreement- we divide time into p investigation_ Billing Cycle: In order to manage y. ter ono onlhinlength-for each calendarmonih, PAYMENTS envelope 'include Cycle that ends in that month. Your acCount wdl have a a meets and sets forth the date and time by payment Inslou ClionZ. your mull toll w o'rl'makinglpmYnt and aecompanytng slatemenl Cycles'. Each billing cycle is apPfOX'maha one MOO your accounl wi{I have a billing cY instructions y ment_ billing Cycle ending in each calendar month whether of not int t is a billing Payment- which we must receive the pay cycle . our account, that person will be an amounts you owe in U_S_ dollars drav+n on funds on deposit a payment for that billing an authorized user on You agree to Pay us your financial Authorized Users: It you allow someone to use y on °l that awholhed request an additiaonaea( ??he <<ed trap t Iinancial inst;lulion or the U_S- br ebit o1 t foreign financiai ;nslilution using a p I! an authorized user. you may Check. money order or automatic debit that Cn zeyour total ova table honored credit may not be a if anyone to be` o can. you will e ar"a1" we receive you' Your Payment- user, Il yoh do sa, this account may PP institution. We tolls days after cash paym h you send to us for less than the to user. You should think carefully b e to to al{o use owing the account as Y a meet check or othef form Of p Y rson a all charges a mentvvhic ion u are allowing thatp because Yo °urc[ountand eachcafdi5onsbiilyfoo?payn9taccording tesiAnYPYoredfaf uP onsibleforthe useofY ourresP balance that is marked "paid in full otwithasrrnilarnotatofthatyouotherv+rserender r of this agreement. This includes Y ermission to us e your account. 11 in lull satisfaction of a disputed a listed onmount Iycou monthly ooditionalpoyments}, must be seer dispute teo sp the terms all urn on your account made byanauthoarized authorized ed user s p dswith a drlferen conditionalpayme,Is addresst is determined there is reserve agor;ghts Checks or any other menu. For exam other add css,wemzyacceptthe paymeniandyov You must notify us to terminate account an cards, regarding such Pa. Y meat by ny such you nosily us.we may close the ac and/or issue a new Card orcar anysueh paYr}1°nl'isreceived at any user. also refer to the any slip owe any remaining balance. We may refuse to acceptat will hat you make account nvmber. You should also recover and destroy any you. not cashing it or by destroying it. All_olher payments means of access to your account from that billing We may ortian o1 returning it to y ears on your billing also show that only a p ular ayment address shown on your monthly statements. CredilLine:Yourcedit i il. Y atement hmay advances,includingcashad:rance sh..Idbesentlothareg p credit line as a credit limit. your billing st ort'ion of your credit line, and all Other yourcfeditlinmaybeusedlorcasbadvances.Cas onsiblelorkeepmgtrack ?t,cks. are Charged against ,Ihe cash advance p ..<r voor credil line. YOU are resp YOU' APR even though :here is a default or it we do not at first 1{ we decide not t^ increase y future delault_ our APR up to the maximum default alehtaevent vl anyates and ees rit checks, rease y crease yaw APR in elault tales or reinstate Your el;gible paYme 's inc serve our fight dtoetienrmine to Changa reacducced dount. se1?'e the light to electronically Collect re resent'Dent,lrome ba nk accuunsonwh;Chthecheck c oil ect We may ;n our discretion Table we te e Daily a alanee iJfe[hod Ilncluding New p or authoritation for us to anst the °{ your payment checks is Yo b a draft by drawn agai check standard'alas (or all of selected b alances on l our es separately for each balance pne nuutn[ ie and a;plny or, it needed, by Sending the Charge Calculation - Averag le, purchase hank finance periodic finance char9 Taunt of the c he ck eleclromca V. s balance our bank. Your T,ansactionst.We`rentcategory at transaction,(tatExamp Vance will be c ollected elecubars Ioy inert The account. Payinenl Checks ovr pay ,;th the cherk,'During and account nweeceive V s,cascom bine different categories ,nt along' as the same day translers,halancieTrans(erChecks, cash advance be debited as early yell and an 'image will be inainlatn ed i n .,it as sociate If w'thadiHerDmotion`7hesecalculationsmay lint may advances.andeachp Dal payment :heck will be destroeriodic rales.Tge is it works: balance transfers, balance aVmen' due, a z strewn vvilFtthe same daily p a1 least the V m,mmum p a men, is due- Vie calculate periodic linan[e charges for r purchases. periodic rase mum rn Yayn,enl: You agree to Ply the dale and time p cash advances,cash advance cheep1jes by the tdaily dvance Y and so that we r eceive it by a the toll amount the uanster checks. those ca e our billing statement, a men, due and in to nonce charges, nv1tiptyin9 each day. You may have overdraft advances only it more than the minimvin P Y the daily balance for each of for oath of those categories, may pay YOU have a bance that's suhlesheCause finance charges ou have linked theriod;c fiUnt nane a charges lot Pcounl With one neC"o afpromotional us at any time.o`tezs 11 IV ;llpalayintinancecharq urchases. balancettanslers,balance checkssv 1 ,Der you pay'ts• We calculate the p our balance each day- inning balance an $d your a lcytt or bala less. ce (the y ,omoljonal [ate- rueun Y our beg transterchecks,cashadvances.and cash advance statement shows y est al ante way, but V!9 use the p r billing our bilking w;S V, ,1 will be the 1319 rate the s for each category= statement}. II the Nev, Dalance is he To gel the dailybalance for each day v+Balanc e- on y NEW Balance. Uthei and debit New {valances Of the sum tiof the Na. Baante, ,imvm payment due will he the Nz inning balance for that day. tees- other cl'arges, 2 % of the Ne and anybi11ed late and overlimil Iamou t WE take the beg new lransachons• cash advance. fotlowin9:51 nt I;nance charges, as1 due and any We add 10 that balance any We add a new purchase, to that category. Iicable.luthe dailybalance as of rho eriodic rate „•,e also add any arnowil D apply a1 billed P' a relent due, menu adjustments That.1 On of the minimum p V ra t allocate For exyour Pay balance ttansler or overdraft advance, it aPP er Your credit line. ,,,,e are authorized transaction dale, or a later date of our choice. We add a new cash advance chat yment Allocal;on: You agree that to she daily balance as of the date the cash a van ttansler check is deposited by a payee, of a later dale Of out sand are ail ro balances w;llt lower APRs (such or balance ter check d credits m a way that is most lavora6le to or convenient orus. example, you 'heck or balance -its rthor;zo us to aPPIY Y°ur PaYr^ la We may credits. or credit adjustments that before balances w th higher APRs time. choice. , PIDmD%;onal APRs} We subtract from that balance any payments r edit Balances: You may request a re{und the a amcled ount a, tie v charges or feezbilled apply la that category and Thar are credited as of that day. -duce the amount of any Clednbalancehy for the next day, we add the daily to automatically charge your - We treat a credit balance as a balance o zero- odic tale I your account, authD,;ze a third party es. memberships To get the beginning balance lot each category vary based c rate monthly utrllty char9 a to the daily balance.it more than one daily periodic D may pp har9 charges- You may eaforanyreasonlincfudin9 T lies eat transactions Ilor example. ` Could apply to a calegorV because tate for the categ es are stopP Dr our account periodic finance c I' C he r count for rep deity balance, we will use the daily billing rate That a c auiom? ended for any reason these charges arnounl of its average tn se y aired to, pay tot the average daily balance am°e chtthe end of the ng cycle to calcu WE he :rid insuraroer ar?cDo,,'isllClosed aresuspg tram Tlnis agreement provides tot daily , you are responsible for noUfe may. butfIle( and are not required charge e dic finance number changes we m our old account daily Perio ha directly_ 11 your account numb i"es tha9yo,authorized to be bdled ,oy Compounding of finance crges. e periodic finance charge lot 1?o billing day during did all of the daily al Y that billing cycle. Your new account number chang out account. H we To get th tot es for Each category we wilt charge you at least the eriodic finance char9 number. offer specialrenns fOttheyw'itbeinelfe th ct. is due. However, if any Pe,iodi[ finance Charge we add that Promotions: From lime to lime we may of this agioament, as modified by e p -im, DI do.'" will notify You about the the ter the tiller andhow long minimump subject to the terms ?'dd;;;o;,i,i amour' tr oereach thefim nimu lslatedin mtlinance chaetgeitisneces e. Any Promotion is subj to add an purchases made during the billing cyc h F ;If be the sum of te Prcmollonal off er- ?rcenfage rates amount lathe balance for P Your account for z bill-Ong cycle w INArICE CHARGES a Rates: Your annual p The total finance charge o Yonsactinn tee finance charges. us -any aralely lo get rho daily perio finance charg es P corresponding dailyPeriodic roles are listed onlhe Rates and ees batanees and dividing that amount by and ("N1 f and 'he FDreacfinaChlgalculateanaveragedailybafancelmcludingnewtransa[lions gaily periodic Rates Annual i'Y'taD provided sap al the lihh dic round up h Category cle by adding all your daily E billing cycle. If you multiply the average daily ba ante or Table that is at the end at this document of P . ? PR 6 765, and in effect always lar the billing `Y p yp?,fiP result by the number periodic rate we divide the A Y e nu,nber of d e aays ill n t i[ h Dint. t a I Io our account may vary "iih change a s a th Category y the periodic finance chaiges lot that place to the right 01 the decimal point that varies wr n "°"y`"t cle, the tolzly+rfl equal - of FPO ? c nq- ire ubhshed in The of days in the billing cY 1e except for m.nor variations due to rovndi aria When you have an APR to the Prime Bale p eriodic finance charges Date shown onyour billing balance anr;butable to that billing eye cs_ tMe accrue p to the Prime Rate. adding a maigin Rate, vie calculate the APO usmess before published m the Money Grace Period and Accrual of Finance Chang it we do not charge periodic -Prime gale is the hig ha, ge from the date .s added to your daily balance publishing f ee, or finance c WallSrreetJournallwo1 _.SlhehjqhestN.sth.fePClrime osing a onatransaclion, ouraecount_Howver, statement- The W.11streerJournalssops our billing on-flaabilte eye ledwereceivePayment ate and inlotm you on V payment In full is received an y bil l Ed during aYmeni is due and we pales section of The Wad Srreer Jo?rnalll The finance Changes on new th purcehdasalees and lime Y statement by the he Prime Hate" w r minimum p we will se palalelnoticeelerence of your New Balance by exception or grace period' applies only statement or throuyh a sap The Bates and of your New Balance on your previous bitting ercentage we add ro the Prime Rate to calculate the A1'n to received payment out payment was due_This exeep k,nd ,q "margin- is the p dale andumeY 1 Iobalancetransfeis_balancel' transfer checks. cash to purchases and does not app Y 'business day' ,s any day That is n0? as .Bvariablerfaresrltlalslo? lists ndi margin Fees Table shows which fares. it any, h advance checks or overdraft advances. it apCash advance lee m may Y er,od;c rate and cornslalemenl,we see advances, cas D„n,mum daily P our billing for Cash Advances: We each variable rate and any Closing pate shown tiny' in to that Prime Rate to gel Transaction Fees ed as described above. the amount slated in the Rates and Fees Table for cash advance ce on ch your an cis 7wobusiness days before the applicable ma 9 our behalf and v,hal the Prime Rate is. Vie then ad the raviolis billing advances- a transaction lee the APR. It,. daily periodic rate is calcrrlac eriodic rate Ilomthe{pas of the first In addition, it you use a third party serv'c e to make a paym e to a d aily p ode the es the payment to this account, we may c lation harge changed, the new tale vvrllwh?h we m the service char9 o'g It our calcu resuhs in a change cycle because the Prime Bale has a big forthe payment es_we add the fee to the balance for the i the calendar month in her periodic . 'n d ds n ouwillhavelopay ay o1 your billing cycle 'hat eriodi c rate increahei'minimum payment. These transaction her are finance cl'ash advance balance. calculanon.llthe daily p a a big 'cement related category as o1 the transaction dale of the cash advance. For examp e, a finance charge and may have to p Y charge you a balance transfer lee o o ur related comp tranzactionfeeforacashadvancewouldbeadded aYour c vary if you are in default under a ieagre any of with us or any other Transact,,, Fecs for BalanceTranzleis:VJe may Default Rates: Your APR o 150 ma f u have of any or any other agreement. y in theamount stated in the Rates and Fees Table for balance transfer checks and e baance for the the following reasons: owed on this ac`?hetdate and lime balancetranslers. le, a VJ pay meni that is a ment due by • e do not 'acetic, for any - These transaction lees are finance charges- We add the fee iOVh balalnce Irans(er account or loan with us, zt least the minimum p Y r elated category as a1 the transaction date of the balance lransler. For exam due. out bank. transaction fee for a balance transfer would be added to yo You exceed your credit line on this account. including anypromotional balance- You make a payment to us that is not honored be V o a maximum al the default pTHEA FEES Ar4U CHARGES The amounis of erdratt advanC ctonsider the following factors fo the APRs I the it any of these events occurs, we may increase e onallbalancesler.cluding a?,i. may nd fees IhITheFsDIIDVJing r ddedlothebalanceeloreputchasesmadeduring APR) alit account has been open. it wall be th of time y otherindicatrons C cle. Ralps 'an ate stated iouf default rate: the ovsleng leWe ma Dvr account: s The billing Y Dur account has an annual membership fee, e and performance; information abouty ear or in monthly inslatlments (as stated in the Roles and fees Ta e , determine y of the defaults any alit other relationshipal Iii Consumer Anna c existence, seriousness and timing ou agree to pay it when billed-The annual out related cDmpa less and 7herdeievlt ra4e obtain II lake effect as o{ billed 83 ybership F" 1 Y of your a cc Hunt usage ;vh,IhEt or nol you use your a ecount, and y W.od i reports obtained from 1eredd {bn, the default occuts- reement ¢ made pus suani m a liaise lion involving and shall be g overned by and be enforceable under the Feder, rbitration.This Arbitration A9 reement our ac count Binding A commerce, b_amended-ThisAibilrationA9 us that Y°u`h to close Y bersltip inter Arbitstt ate comet 9 U.S.C. 41-16 as it may ° d oU"wity v+hichlheannualmen' ationAct(the FAA"t, roceduresunderv+hichclaims (aselined below may -and ^'is - . it $etz tot I 'Wbilfationens ead of being liti9ace _ d in creuueA_ ment,'we us , and-ouialso rship tceis noit-refundable unles s y balance in lull-Your a ment 0days ol lh edatevemlail•f°uou113YYp?,}outstanJin9 oura,Countorlimityour be resoved b y redecessols.successo(s.3ssigns. h Covered. For the Puttes. of this AibitrauonAg a en1s, ees, y ou or us. We Parties argcdandatthesame ime , yP balance aliiliatez,licensees,p employ directors, timed all bership lee does nut affect our iiyhtto c osc uur outstanding includes out part t'l,subsidiari and all 01 their olticers, hi our account.ll your account ayY is coscd by y our Account, the ,-us and-oui shalli nclude anylid s make transactions on y the date and any purchaser of Y ntinue 10 charge the annual membership lee untilyou p and assigns or any and it of lIces Additionally. credit d^vice issued under our account relationship. entby roductsin connection cviththe Account lindu ing tints that accept any awes. wire minimum PaYnt v+e may charge the roviding benetits. bsew rvi,ine pr come d and terminate 1' artYP credit insurance zve ased on a balance, we put not limited to creeaus, iesenlats) ee: 11 we Ju not receive at least thereU ntJhel rewards programs and enrollment employ ees, agents and rep d laimyov is due as shown mt your billing statemr.itt for any billing c bycle. the Account directors. ep Y assert lee on the prior debt collectors, andat)of their oHit:' ouasa co-defendant in any G T O h s on t meat is named by Y e shown in the hates and Fees Table. 11 the lateew Ba la nc e shown it suchathird pant rile Previous Balance on the [u'rentmonth* ,are the late lee using required minimum Pay and on1Y elect mandatory. did not receive at Least the ?fi",st us. You or we rn,Y• without the other either you or us against the s the late tee. This balance is the same as the a billing ule or controversy by h we h's statement for whic lime during Claims Covered. Either Y Claim. III, beneficiaries, agents or ur cie at any charge this lee binding arbitration of an,o ee..tarents, subsidiaries, altiliales, reeme N. e ,13-12 and time 's was iiue . S L, verti dil mil hlneu e. VJt 'paY e imposed e an u e or tee w or againslthe erne Y fjom ur relating m any way to the Cardmember Ag limtFce:ltyouracr-uuntbalat'cecharg r , ° I other, - a heaumt assigns °I the other, arising onl,yovr cr,d-,tcazdAceounloein advgDVe`ns all Claims, even it only for a diy,vve c may one overlimil tee for any riorCaidmemberA9 {I y Iles, even it u° any p Our Account ("Claim 1- This Arbiualion Agreement governs ordinance, ton, ourbalance is overlhe credit line because es a sentcient billing cY ulaLon, eg transact oval Of Y of law such as respondeat Gmil c lee in ubs y or appr ion we aulhocna 9 W n ovdl r e n othi'r gumaccount balance still is over your ion, legal irb t al theory tq cycle. But we may tvliether such Claims lilula e based ?i,or sany le Eonlrecl. r resubjec Our account, c elec. consi r onal p Claisms - ee entbillinq Y common iaw other legal or equitable groundandwhelhersuchLl able ai I mss eliel- seek as ransact ons ale made the subzeyu si liar instramlen of or any livability of this Arbitration lit line at any lime during we must return superior, enallies,inf unctions , or declaratory or equit a hk t ?clul honored, lb) if Fet. it (al your P Y_ment a c rnec e nt is or returned °o^Pessed, we maY charge a money damages,P r urn Paymc o reemenlincludeGlaimsregardingt e aDP alic debit or iot Cardmember ast. or arise ned of cannot be P olhisArbAraUOnAg ollhe enure Cardme ludmberAgreemeN of any p ulomther electronics Y he Claim is to eeme nlorthevalidi[y reement inces Clarets that erne nt the term ayment check because it is not si Trs Arbilraliohn Ag in this Arbitr ?m p ation Ag ayment tee. a inept on a cash advance check or balance transfer Agr jinn Cheelr Fee: 11 (a) we slop pY in the present or the lutDSSi ie umseeamd nq. of b) wt refuse to paY a cash advance check or ba lance transa b Age greivenemetnht e broadest p ing+n eck at your request, I {¢s droll or other - and a party who imliates a proceed ards or any sp Glaimzsublec[lo arbitratteaae(S°opofhe wiselasU haClaims advanced nslhe law of by eck we may charge a return check Ile, tatement. s4ecial services for 112 chef a copy of , billing s third patty claims. inlerp min,islralive Fees: II You o?u request two or mole [ [barge youlor these services- ureic in a small out account or it V edited basis). we may sales drabs or stmilar court may elect arbitration wish respect to an Put ,:Did o1 y atements, licable any P any or parties. ion reement, you retain the right -e individua amble. obtaining cards oiei'et, or copies of billing stM1ayainstusuepro ide,the " ?wever, bl [hang Y exception 1o this Arbitrat Ag urisdivtion and proceeds on an will not ate a ithinthal Claim' couM1 s j ou request for a billing dispute Y You may "SS" Llaim to arthatibistrw lhe air bd ralron will be conducted as anind wi ua z cumenls drat li claims court any charge. I or any ser+ices listed above and other services We As asamn court elects we olio the service. arbitration on a lass or representative basis, vv. \Ne may YOU nor we agree to an thority y • front lime In effect when action- Neither y In soceed on such basis. This meaner at eve time in resenlative action, such as that in the form of a private EFAULTICDLLECTIOIJ of these occurs: and the arbilratorShall have no au P is tiled , any Claim betweenus related to theouso Wea,o elect_u[tt e may if a class artionlaswuil or other rep consider you to be in default it any the dale and lime due as shown arioineyge n,falacill - proceeding without file V We do not receive at least the minimum amount due by will be consolidated with rbilylen via one of our lawsuits will be subject to an individual Ili any he, arimli bitralton py any ,J gout billing aternenf. be 1Dined in an individual action under a reement with No arbitration -The only claims that may liven!- You erceud Your credit line. arlies- ht by us 1. Of your h and any u' app CO- with the terms o1 this agreement or any gbe unwilling or unable to consent of all p our heirs or your trustee in t are (t) those brought You tail to comply this Arbiuahon Agreemen Accoun o joint co-,pplicani. cardmember, or joint carriz ed user of your tc a 'in relatod companies. those brought by you and any k We obtain inlor motion that causes us to believe shatYoumay bankar dmeorm12)ber, or autho or our heirs or your trustee in banrup Y9a stus_ a Claim in arbitration most choose one of t e pay Your debts to us or to others on nine. user of your Account, Y National e for al I uplcY. our death. ithout notice authorized Party filing As you fil close your account w Initiation of Arbitration- The . i n sociation: or You become incapacitated or in the event ova ,nay vire you to Pay 40 lcted Wealsomayfell o owing w e in 11 yo consider gout account b:A tialancelrimmediately. ArbitrationFOrum-These administrators are independent nder - Theadministrator oe ve tailed fo p y nor conduct the These Arbitration is conducted under the rules oft a se e ?dTS g0ir al third party chosen in accordance orda in th ercen a month on t e unpai 1I2%) ion d ay [e with the rules 3tIO eel at the rate of Iwo p cycles all due. inistr.1or by an imp atri he proveis Arbitrat a vs, nle? , or mote billing ou ha ens es of arbitration adm of the selecled arbitration administrator an as m hich YOU your account to be s x law, it you are in default because and all other xP ou attend shall be held at a place chosen by mined by feel, c0un costs, bilralion hearing that y nee in a the ar mentor of arbilralion adminrslralor within the ledes al judicial dislnct m v+ To the extent per Agreement. Any a' you 14,111 pay our collection costs. icemen s our ri ills under this ag or at some other place to which you and we ag ccount, we m V enforcing 9 reside alfhe time the Llaim is tiled, CLOSING YOUR ACCOUNT You [aft us to close your a obtain copies of the current rules of each of the two arbitration time. if Y wrung. You may close your account at any rivileges at anytime 1°r d rnl ormalion about arhitrarionand arbitration lees, and instructions or York, NY You may our r cqU ,51 m wiling. ur credit p ammistralols' contacting the arbitrzucn administrators as oleo New we close your arbilralion by 335 adison Avenue, Floor 1D, us end Yo require that you confirm Y lime or s P a livable la-- our initiating as r¢gwred by PP Irom Closing Y VJeb site: We may close your a rlor notice except consequences resulting American Arbitration Ass aEao on, 81)9- 78/7979 ,A any reason without P ou for any ID017-91505• Web site: wore will not be liable toy Forum. P. D. Box 50197• Minneapolis, MIJ 5500 . account, v+e credit privileges. must immediately stop Arb B?_g79-2371- account or suspending your ou and any authorized users m our account National itration account.Y Checks orolterrneanstoaccessYesloyovr wwwatbitral,ndlawapom, II you or we close You, and law applicable in ztbtteftWithailea911anyotarserpertetnceotlaretired [ erg all cards c : ov will Procedures licable procedures and using YOU' account and destroy to the terms of will be conducted under the appled on request. You wilt continua tooe f ai Pountbis closed and y Claims Theron ettTherarbittal onbDale Y 0r return them t° U5 up are made 1, processed Het Yaccount according YOU to pay the or former j 9 ; reement. in account, even it they balance on Your law we may requite Y rules farmer arbitration administrator that are in effect r on [he dale the arbitration amount rmtayn Ag be requited to paY the outstanding unless those procedures end rules are ,,- procedues and tufts to the extent allowed by our account is closed- time allery reement willprevail.Thapplicable substantive law this agleement In addition, y+h.1chcasethisAg licable statutes of timitalions and will honoe5Cni d by outstanding balance immediately 01 at any THAT ANY DISPUTE MAY of discovery available 10 you or us. The arbitrator will apP Y . ION AAGREEMENT ARBITRAT GESTHE RIGHT TO consistent with the FAA and app choose to have a hearing and be rep REpLA ACTION DH onsi le t ilthnit¢d at la a, ke t may ble steps t^ Protect customer Account intotmPLEASE RVp dY BINDING ARBITRATRDN. ARBIITRAODN CLASS OF A PRIVATE P e erbitratorv including the use of protective orders to prohibit BE RESDL E t,y{LL NOTBE ABLE TO BRING A counseLThS THAT IN THE BRING ANY CLAIM IN nested to do so by you or us. The arbitrator wilt TO COURT - YOU ABLE T WILL and other confidential information- afion^• damages or other relief provided for under REPRESENNTATIVE ACTION IN C?pfl V ILL YOU BE V ACTION disclosure Dulls-ids the arbitfalio.rreany OTHER have the power to award to a Pathe rty ower in award relief to, against, or lot the benefit ARBITREYATIDGENERAL ACTION DR OTHER SS ACTION DR OTHER REPRESENTATI E cable law, and will not aA e he proceeding. if the taw authorizes such reliel, the CLASS ARHITR AS BE PART OFA ,fJYCLASS ALTI REPRESENTATIVE ACTIDI e la who is not a p y tos or attorney lIts. The arbitrator %0111 make any IJOTBEA1 OR BE REPRESENTED IN g{[f?ATIONA 13 l GFIEEMEN7;?s ofafinyp unitive damage byapaM. BROUGHT 13Y ANYONE ELSE, arbitrator may award p rovide a statement of reasons unless requested pro"' Ill THE ABSE(JLE OF THIS AR awardinwri[ingbut need not REPRESENTATIVE ACTION- RIGHT D PART ICIPATE DR BE REPRESENTED st li you or us, the arbitrator will provide a brief statement of the reasons AND WE MAY OTHERWISE HAVE HAD A RIGHT OR DPPD?SS ACTIONS AND OTHER upon a re9ne aid by you up to the a hearing. we Ill A COURT, BEFORE A JUDGE DRJURY,A DU WOULD HAVE iF YDU BE for the award- burersce ei yp ddition alyed here is OTHER RIGHTS THAT Y ou for he initial arbitration lIl A CASE FILED IN LDURT VIRY DR OTHERS THE RIGHT TO APPEAL THE D REC]SIc MAY i of proof of paymeni- REPRESENTATIVE ACTIONS) . VE THOSERIGHTSA -WAIVED. Caul, of 55F rein, will TD LDURT, SUCH AS DISCO WiSEpRDVIDEDBELDW. cnnq ttFt 11JiITED.EXCEP7A5OTHER TELEPHONE MONITORING AND RECORDING we isle n to and record your telephone calls with if ( We andilaPplicahle,our agents,livmaay bl l e, our agents, may do so, v+hether you or such hearing lees by It will be made dieclly agree that we. and if app ay a'ny lees of the arbitrator and arbitration administy us vJtrtohlhissArbitral an us. You hone call. the t hearing. The payment of any you of us p uts" arbitration administrator selected bYY withiherules ollhearbiualtees IIJFORMAT10NSHARING ernent All other lees will be allocated inkeepi a licable law. Ho and v+ilh othets outside out family of comparaes Including any wevet,wev+illadvance l reimbuaefiling ear on the cards- as permined rand app or arbitrator determines there ?s cau o se family (crompan-eshandceo se name or mark may app aonthe account wd in our nistrato anizationv+h ou first receive an (her ices it the arbitration administrator orar9 which is provided to you when y in for requiring us Io do so or you ask us and v+e determine there is 90O law. ')of Privacy Policy. ardleszolwhich by earlhereaHer,,desaibesowin(ormalion will bear the expense of the lees s fegls df that Party s company Ne us about a;ng so_ Each pony (that the s reemenlandaileastonce eachcalendary antes or you net's e> Pert;, witnesses, documents ezdlathPell" ned below). exceP hould sharng Practices and the choicest YOUaa f an Youdif r eaclcoumow hYcomp Prevails, of information about y anies_ whether a Pally s our sharing e of our tamily of comp I or arbitration and 'any in determining f valor shall apply any applicable law in enforcing this Arbitration organizations within and outsid ver any or all lees and costs from another Party- delay ILLINOIS CARDMEMBERS ?rcement. linafity, appea ls. Failure of any Illinois law provides that we may not share information about you v+it companies >ement at any lime, or in connection with any paArcularClan Connect conzldule any ur 12 rg lanizs Do t outside of out ta falls under of companies unless you avthonze the ri his to require atbilration at a later tirnerooce d n9 will be 1 oat and oenal. civet of any q disclosure or unless the di foceSSrYourtransact ors or in response Iota subp lsuc the applicable opt out described r Claims. Any decision tendered it such arbitration a eats in writing to the atbilration organization ree that, it you ling on the parties,unless a party PD appeal must request anew albitr alion as sharing intormation to P choosenoltoexercise bit ation Youhereby a9 ou wit{ u b leindecludiemng ed itnloormhavea(tauthor,ze d d o us to shale personal Hated by the same arbitr tin 30 Jays nl issuance of the award. The aPP atissues anew. follow the in our Privacy Policy, Y any 0 anel of three neutral arrators desia it ;nlormstionw,haveaboutyo v+ onics}With r mpatie Ilhe sporolher ore a p ith any of our comp anization.ThepanelwillreconsideU3'^I9alsnlglearbtralof,and1. s cotsian OfservicesYou may have anies. ne rules %hal apply to a Proceeding Party ,ill bear their own lees, costs and d artIn ay recover any or altfees . costs and expenses organizaltons outside of our family of [or"P ENFDRGIGTHIS AGREEMENT of our righlsunder this agreemeniwiihout ;ed on the vote o! the majority. Each Pay v a 1 ing applicable N ing tenses for any appeal, but a P y the panel of atbilrators, PP Provided by the We can delay enforc orenot enforce any urisdicuo^• losing our right to enforc ablIhee, mall ohherutermsll any of the terms of this agreem v, ill remain in lull force= in another parry, it the majonry w Sri determine s . An award inaratbrorun having be enforceable as provided are found to be unenforce A or other applic able law by any ASSIGNMENT y o vuahiHty, survival. This Arbilration Agreement shall survive: G) .Couinauon or nt, the A[[°unt and the relationshipbely+een zn amounts you owe us_ or an1 our rights and of a new account number assign your accovnl, Y ati may ons under this agreement to a third parly.The person to whomwe make 1 e we aszign to that person. ranges in the Cardmember A9,ceme account: iii) the Vie u and us concerning the Account, such as the issuing aU or ony ccount 11 another out behalf; oblig assigmmnlwitl be entitled to any of our rights that the transferring of the balance in roe din gifolia a arty 11 onion of this GOVERN signor lNG LAM P theremaintngP THETERMSANDENFOflCEMENTOFTHISAGREEMENTANDYOURACCOUNTSHA tnkru icy of any pony or any similar P ou or by a third party- II any P . onions 8 E GOVERNED AND INTERPRETED IN ACCDRDANCEWITH FEDERAL LAW AND. TO td liii) payment of the debt lull by V rbitration Agreement is deemed invalid or unenforceable, W RpplIES, THE LAVJ OF DELAWARE. WITHOUT REGARD THE EXTENT STATE LA toff nevertheless remain in force- whetheryou have access Tp CONFLICT-OF-LAW PRINCIPLES. THE tAtN OF DELAWARE, WHERE WE R HANGESTo THIS AGREEMENT regardless ol rovision- Our right io add, ACCOUNT LAW RI ToCONF ED.WILLAPPLYNOIAATTERWHEREYOULIVEDRUSE YOUR time, Je ran change this agreement at . any any p adding, deleting, or modifying as the APRs and lees. THE ACCOUNT. your account, and andn'entorcement of the rights FOR INFORMATION elece, or modify provisions includes financial lo thisagreement.Modilications, additions. Please ca111he Cafdmembues nscaboullYhone number an your card or billing extent, our account or this agreement- nd other terms such as the nature, ment it you have any q ,bligaiions You or we may an a re slats lating - licable law. These Changes may x WILING RICH deletions are called any change if requ bed by pP This Notice For Future Use fvr will notify you of any change the time staled in our nonce, in accordance with YOUR Change will apply to the unpaid I(ccp orianlintormationaboutyourrightsandourresponsibililies ?e elleclive with notice only. This notice contamsimp pct. About Your B_-" applicable law. Unless we state otherwise, any have with respect to any Change, and under ,he e Fail nCasCredit e st of of ErrBilling Or Oveslions on about balances on your account and to new transactions- may have the notice 14.61Y rights Vou may lilt. for example. you need more informal] a transaction ice will describe i The not any cilied dal eit you d° no t want to I{ you think your bit( is wrong, or it y the consequence s it you do or do not exercise those rig no- a se orate sheet at the Cardmember Servile addfess shown ???, io ,t at you may notify Us'[ writing by a 'pees rro_trol_lrer? 111, we ale ma .ing. it y s alter we sent you the first hill on which the error or problem be closed (il itrs not already closed} and you on your billing statement. Write Io us as soon as posse accept certain Changes account may applicable terms of the _ no later than 6D day but doing so will not preserve your rights. accept the Changes. y eared. You can telephone us, vrill be obligated in pay your outstanding balance under the YOU will be ouf lever, give us the following intormation: writing n your name and account number. agreement. 11 you do not notityus i d in the noti notify us but then use your account after the date state ce, y vh ov bsliava there is an error. II you all Changes in the notice and to accept and confirm all terms u ou fe ardless of The dollar amount of the sP?c ?eou can, YY deemed to accept Deseribethserrorand explain. Y describe the item you are not cute about. all Changes in prior notices we have senty 9 your agreement and our account. need more information. whether you have access toy a our credit card bill aulV amount you h nk'i sw avings ,yDU°can stop the payment on any amount t y CREDIT INFORMATION it YOU have autborIzed us b obtaining information from credit or checking account, y VJe may periodic ally review your credit history J ncluding To stop the payment your lever must reach us at least three business days before bureaus and others. ouraccountlocredilbureaua- incl log the automatic payments scheduled to occur- We may report intormation about You request additional cards on Your ou Our Rcs our letter Within dayscunless weNhavenconrected the on lime.ll y Y your failure to pay We gnus, acknowledge Y we must either correct the error or er.plain why we others, we may report arcounl intormation in your name as well as in the ^ puemaY error by then. Within gD days. ccurate information d a credit burea . (hose other people. 10 our billing statement. believe thebigwascorrect. After we receive your lever, we cannot try to collect any aThe you question, or on. 11 you think we have reported no address listed account number, telephone number and a brief YOU as delinquent. We can continue to bill you id amount againstyovr credit v+rite to us al the Cardmember Servile °n? the credit bureau report y any unp stio a tied amount amount while v+e are investigating, but please include your name, addre ss, lease provide a copy o t °ned including finance charges, and we 1l can description of the problem. II available, P line. you do not have to poi an the parts of your bill that are not in question. repot) in que stion- We Will promptly invesligaie the matter and, it our iWE TrPatron an finance disagree with You after you are still obligated de to p Y our bill, you will not have to Pay aY shows that you are right, we v+ ill contact each credit bureau to which we re may vest they correct the repon_If vie VJe will also notifythe the information and will req writing of by telephone. It we find that vie ma a mistake on y ou let us know that you n° charges related to any questioned amoi have` to make up anymissedpayme you payments on ges and you v, credit bureauth you Will tell YD seine U'n g • a linancecharihr cat he information unless y our credit bureau that t you dispute t have to pV longer dispute the information. the questioned amount. In either case, we w ill send you a statement of the amount YOU as delinquenf- you ov+e and the date that it is due- we may Ie °•ty h1OT1GESICHAIJGE OF PERSONAL INFORMATION is and other n fl you tai! to pay the amount that we think you o and you wrte to us within l0 days VJe will send cards, billing statements and other notices foyou at the address shov+n explanation does not 5atisfyyoou will be considered notice to all of However, if our exp a We must tell anyone we repot you to that you one of YOU in our files. 0r, if this is a joint account, we can send bilti^g s change Your name, felting us that you still refuse top y account holder. IJotice to on the account. 11 You dd,ESS t YOU have Lis th t you about Your bilLAnd,we no, ttetlyouihenameof anyonewe repored a question to any joint ort ou to that the mailer has been senled between you and all of you will remain obligated hone number or em"' must noiifY us youto.we musttell anyone we rep Y address, or home, cellular or business telep u$z hendlinaflY's• rvice- elect to receive billing statements or other notices online}, 'l 11 we loot follow these rules, vie can't collect the first S5D.00 of the questioned immediately in writing al the address shown on your billing statement. We may, address come coonsromo f customer serv5[eo of colection. even it your bill was correct. a our Option. acceplmailing oviaccounl,including VJe may contaclyou about y ellular tefeph°"e number Vou Spe mountcial,Rures for Credit Card Purchases at any address 01 telephone number as -ell as any c ro en or services that you purcbased with a ood hill, to correct the problem wdh the merchant, have a ptohlem wilh the yuahty of p op y erS or services. I card, end you have tried in g ,otounS due on the prop y tay have the light nottopay the remaining to check transactions.fherearesv,no,wiatro n ourhomeslain, ighl does not apply our home state or, i1 olithiny .u musthave made the purchase my n 100 mil es of your cuwtent mailing addles": and le r:hase price musthave been more thenSi00 . 1 it we own or operate the merchant, or d we mailed you the e pulimritations do not zpp'f pelt. 111iLI:lent of 1I13 prr% Y or "elvices rrighrr720D'1 JP1,horgan Chase & Co. All rights reserved. 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 Steve Lichtenstadter (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. gatLure) Steve Lichtenstadter W WR# Client Account # Name SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff ti?ti,; at ta!tztr?t?rri Jody S Smith ` Chief Deputy Richard W Stewart Solicitor Chase Bank USA, N.A. Case Number vs. 2010-5758 Richard S. Roswog SHERIFF'S RETURN OF SERVICE 09/14/2010 05:51 PM - Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on September 14, 2010 at 1751 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Richard S. Roswog, by making known unto himself personally, at 666 State Street, Lemoyne, Cumberland County, Pennsylvania 17043 its contents and at the same time handing to him personally the said true and correct copy of the same. v MICHAEL BARRICK, DEPUTY SHERIFF COST: $42.40 September 15, 2010 SO ANSWERS, RON R ANDERSON, SHERIFF -v i. 7 -Ti , f r OF T1 10 20! c u t n ? +F IN THE COURT OF COMMON PLEAS C -? CUMBERLAND COUNTY, PENNSYLVANIA M- CIVIL DIVISION CHASE BANK USA, N.A. -; Plaintiff No: 10-5758 CIVIL TERM ' VS. PRAECIPE FOR DEFAULT JUD GMENT RICHARD ROSWOG Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 08567991 C J Pit SJS Judgment Amount $12966.70 414.00 Pp AT" C* 43.39b61 PA 1251155 I?lc?{tce I?b?lr?.?P CHASE BANK USA, N.A. Plaintiff VS. RICHARD ROSWOG TO THE PROTHONTARY: IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION Civil Action No. 10-5758 CIVIL TERM PRAECIPE FOR DEFAULT JUDGMENT Kindly enter Judgment against the Defendant RICHARD ROSWOG above named, in the default of an Answer, in the amount of $12966.70 computed as follows: Amount claimed in Complaint Less payments / adjustments Interest on the remaining p $12538.91 from August 25, the interest rate of Attorney's fees TOTAL $12538.91 made $0.00 rincipal balance of 2010 to October 26, 2010 6.000 per annum $127.79 $300.00 $12966.70 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: James C. War odt,42524 08567991 C O /Pit SJS Plaintiff's address is: c/o WELTMAN, WEINBERG & REIS CO., L.P.A., 436 Seventh Avenue, Suite 1400 Pittsburgh, 15219 And that the last known address of the Defendant is RICHARD ROSWOG 666 STATE ST LEMOYNE, PA 17043 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. RICHARD ROSWOG Defendant Case No. 10-5758 CIVIL TERM L TO: RICHARD ROSWOG 666 STATE ST LEMOYNE, PA '17043 Date of 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 CARUSUry PA. 17013 (717)246-3166 WELTMAN, WEINBERG & REIS CO., L.P.A. Matthew Urban P.A.I. D.# 90963 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, 1400 Koppers Building Pittsburgh, PA 15219 Phone: (412) 434-7955 8567991 J PIT 64S IN THE COMMON PLEAS COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff VS. RICHARD ROSWOG Defendant Civil Action No. 10-5758 CIVIL TERM 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, RICHARD ROSWOG 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: RICHARD ROSWOG 666 STATE STREET LEMOYNE, PA 17043 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. Request for Military Status Department of Defense Manpower Data Center ID Military Status Report Pursuant to the Service Members Civil Relief Act Page 1 of 2 Nov-04-2010 07:38:26 < Last Name First/Middle Begin Date Active Duty Status Active Duty End Date Service Agency ROSWOG RICHARD Based on the information you have furnished, the DMDC does not possess any information indicating the individual status. Upon searching the information data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the current status of the individual as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). 41 Mary M. Snavely-Dixon, Director Department of Defense - Manpower Data Center 1600 Wilson Blvd., Suite 400 Arlington, VA 22209-2593 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The 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 of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL http•//www defenselink mil/faq/pis/PC09SLDR html. If you have evidence the person is on active duty and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. §521(c). If you obtain additional information about the person (e.g., an SSN, improved accuracy of DOB, a middle name), you can submit your request again at this Web site and we will provide a new certificate for that query. This response reflects active duty status including date the individual was last on active duty, if it was within the preceding 367 days. For historical information, please contact the Service SCRA points-of- contact. https://www.dmdc.osd.mil/appj/scra/popreport.do 11/4/2010 Request for Military Status Page 2 of 2 More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d)(1) for a period of more than 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 § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy TARS, Marine Corps ARs and Coast Guard RPAs. Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps) for a period of more than 30 consecutive days. Coverage Under the SCR,4 is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of SCRA extend beyond the last dates of active duty. Those who would rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected. WARNING: This certificate was provided based on a name and SSN provided by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided. Report ID:JUPCG1G3T0 https://www.dmdc.osd.mil/appj/scra/popreport.do 11/4/2010 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff VS. RICHARD ROSWOG Civil Action No. 10-5758 CIVIL TERM NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff (xx) Defendant ( ) Garnishee You are hereby notified that the following Order of Judgment was entered against you on !l1%a& (xx) Assumpsit Judgment in the amount of $12966.70 plus costs. ( ) 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 Pr( By RICHARD ROSWOG 666 STATE ST LEMOYNE, PA 17043 Plaintiff's address is: c/o WELTMAN, WEINBERG & REIS CO., L.P.A., 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 ,fILEO-OFFICE OF THE PROTHONOTARY 2011 J CtlMEsERSYNGVAId pTY IN THE COURT OF COMMON PLEAS OF'UMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff No. 10-5758 CIVIL TERM vs. PRAECIPE FOR WRIT OF EXECUTION (BANK ATTACHMENT ONLY) RICHARD ROSWOG Defendant PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Garnishee, 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#8567991 i IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No. 10-5758 CIVIL TERM RICHARD ROSWOG Defendant PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Garnishee TO THE PROTHONOTARY: PRAECIPE FOR WRIT OF EXECUTION Kindly issue a Writ of Execution in the above matter... 1. directed to the Sheriff of CUMBERLAND County: 2. against RICHARD ROSWOG, Defendant 3. against PENNSYLVANIA STATE EMPLOYEES CREDIT UNION Garnishee 1171 bld MLXCn prim- , Sh??ensburg , fw '?S? _aaao 4. Judgment Amount $ 12,966.70 Interest $ 66.08 Costs $ - 4 Pe, 5eC, bh SUBTOTAL: $ ka;4"I6 Costs (to be added by Prothonotary): #aq.so PO AIr 31 CU-00 CRF g ;k. SO „ ,. a 4 a. u D sticr; Tb am s? ? ? ?Co s7 so LL(- WELTMAN, WEINBERG & REIS CO., L.P.A. By: !??' '? 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 * ass r"? ukrt oP VA d WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 10-5758 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due CHASE BANK USA, Plaintiff (s) From RICHARD ROSWOG, r'obU S5046 $'h'' , LMocint i fp 17643 (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: PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, 1871 Old Main Drive, Shippensburg, PA 17257-2200 and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from -,= an), debt to or -for dhe account of the defendant (s) and from delivering an), property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the 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 $12,966.70 L.L. $.50 Interest $66.08 Atty's Comm % Due Prothy $2.00 Atty Paid $175.40 Other Costs Plaintiff Paid Date: 01/04/2011 Davil't , Pro notary (Sea!) By: Deputy REQUESTING PARTY: Name WILLIAM T MOLCZAN, ESQ. Address: WELTMAN, WEINBERG & REIS CO, L.P.A. 1400 KOPPERS BUILDING 436 SEVENTH AVENUE PITTSBURGH, PA 15219 Attorney for: PLAINTIFF Telephone: 412-434-7955 Supreme Court ID No. 47437 WELTMAN, WEINBERG & REIS CO., L.P.A. BY: James C Warmbrodt, Esquire I.D. No.42524 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: 412.434.7955 Fax: 412.434.7959 File # 8567991 CHASE BANK USA, N.A. vs. RICHARD ROSWOG and Pennsylvania State Employees Credit Union Garnishee(s) Attorney for Plaintiff(s) cs ? -Y-k -r a : ... o y. ry A C CUMBERLAND County y`? ..._ Court of Common Pleas NO. 10-5758 CIVIL TERM PRAECIPE TO DISCONTINUE ATTACHMENT EXECUTION TO THE PROTHONOTARY: Kindly marked the above matter discontinued and ended as to Garnishee(s), Pennsylvania State Employees Credit Union, only. WELTMAN, WEINBERG & REIS CO., L.P.A. By James Warmbrodt, Esquire Atto e for Plaintiff Sworn to and subscribed Before rn; the 1 5 day of February, 2011 r NOTARY PUBLIC Sheila G. Bevan, Notary Public Ross Twp., Allegheny County Commission 50res Nov. 15. 2014 a,wkt' S.00 ?d at CLO ?as? WELTMA:`',, 'VVEINBERG & REIS CO., L.P.A. BY: James C'Warmbrodt, Esquire Attorney for Plaintiff(s) I.D. No.425:.'4 436 Seventl-. Avenue, Suite 1400 Pittsburgh PA ..5219 , Phone: 412.E} 4.7955 -? - - : ? '- Fax: 412.43,0959 rri File # 8567991 ,rt-. ` CHASE BANK USA, N.A. =c3 --- C) -;, Cumberland County Court of Common Pleas w vs. RICHARD RO"',VOG NO. 10-5758 CIVIL TERM and PSECU Gai:ni$hre(s) PRAECIPE TO DISCONTINUE ATTACHMENT EXECUTION TO THE PR'-)TH.)NOTARY: Kindly aiairl,,ed the above matter discontinued and ended as to Garnishee(s), PSECU, only. WELTMAN, WEINBERG & REIS CO., L.P.A. By Sworn to and subscribed Before me tke day, p uly, 2011 Y N- 'JF I?Wy+ai`di;1 COMMONWEALTH Tlotarial Qa! waynt? A. Jones, NotAry PLANIc City of Pittsburgh, Alic,lheny County My G©m pip9ivn EX ties June 29, 2014 r*0"iN6t, RA VdR d C?QEA 1A104 C k # IDb,;z '540 g( 2A 49 SY1