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Home My WebLink About10-5759tic T}FlLEL? Tt-rlCE TAIRY 10* 55 CUM L,4 ?o COUNTY PEI` NSYLVANA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff VS. MARGE E DOVE Defendant NO : R) - 5115? 0,-% V -, ( T°•m 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 08328362 C A Pit KMJ Qa• oo PQ AM e' 4%%17 E a OM IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff VS. Civil Action No MARGE E DOVE 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: MARGE E DOVE 455 GREASON RD CARLISLE, PA 17015 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number XXXXXXXXXXXX3888 . 4. Defendant made use of said credit card and has a current balance due of $2460.66 . 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 , MARGE E DOVE , individually , the amount of $2460.66 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. a ro t,42524 WELTMAN EINBERG & REIS CO., L.P.A. 436 Sev n h Avenue, Suite 1400 08328362 C A Pit KMJ Pittsb g , PA 15219 (412) 34 7955 FAX: 4 2 38-7130 This law firm is a debt collector attempt'n to collect this debt for our client and any information obtained w be used for that purpose. Payment Due Date Maw Balance Past Der Amount Minimum Paymem BMOr10 $2,460.08 (671.00 $Op.00 Aooan1116MIrlar: ?te6 8722 1312 $BM . wkryweMrtlnayaalate: Ctiw /ird aanhrlesa. Pallas write amwlnt erhsi6aad. Now address or small? Print on back 41658722631236880006890000246066000000000000007 01722a®r2d>IiOD 4MAARpGpEEEE DOVE CARLISLE PA 17015-7407 Inrlllurllluuull.iririnrlriulllurlurl.lrlul.l.luirl IIIIIII.I..It III I..If'I l r r r l r l r M H r I oil $I no III Is $1 111111 6.1 CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19006.5153 1:5000 i60 281: 0 i9 2 26 3 1 2 3888 5901 CHASE O B Maesaa your aeaesnt arias: AaeeNnr a ftdo lo"m den flmoLmw,ppGama conveniently located on reverse ado ACCOUNT SU RY Account Nwber: 4106 9722 $312 3008 Previous Balance $2,356.46 Few Charged ?$38.oo Interest Charged /$66.16 Nwv Balance $2,46076 Oporing/Closing Date 02/13/10. 03/12/10 Total Credit Una $2,500 Available Credit $39 Cash Access Line $750 Available for Can so PAYMENT INFORMATION New Balance $2,460.66 Payment Due Data 04/10/10 Mktimum Payment Due $669,00 Late Payment Werrminy: If we do not receive your minimum payment by the dale listed 9bove, you may have to pay up to a $39.00 lets tae and your APRs will be subject to Increase to a mniroum Panahy APR of 29.00%. Mnlnrm Payment Warnlny: It you //make only the mrknarm Payrcem anal Prod, you will pay more in imerwt and it wR fake YOU longer to pay off your balance. For example: It you would like informstion about credn counseling services, call 1.888-797-2886. H you make no You Will Pay Off the And you Will and up additional charges bsianca Wwvm on paying in estimated using this card and this stalnint in 10191 01 each month you about... Pay... Oniy the mininpxn 23 yew $49,240 payment The outstanding balance on you credit 0901 account is scheWled to be Vdtlan Of as a bad dab ahorly. As a result, your crsdil bureau VIII be updated with a negative relkhg that could ha for up to 9~ yara. We an rill help, but you need to cell us now at 1-M-792.7547 (22Nd 1-302.594.8200). ACCOUN Dais of Traraaclon Merchant Noma or Transaction Description $ Amours l? V.\ ?Q?vO'):i .v v ?????. •`: %?.2i+ •v.4`:p°•.11.. .??..t?n..?\'S?????i \?•,,,,•v`Kv:'•?i`.•>;•??\?i•?`? '?'.vv?•M\ 30.00 TOTAL FEES FOR THIS PERIOD $3900 :v - ..... •2?..+ ,?v,•. •' `? . a .Yaa•,•'•.. +R,\'4,\`?'.: Ki.•ti . ,?...2,{?.d5..?..'. e'. v ^ . 2. • :::. ti;•,• ,; ,n• ...... , • •t 03y12 Pl1RCHA.4E INTERE8T CHARGE ?:?• ... -?, : ?.....'?` ? ss le TOTAL INTEREST FOR THIS PERIOD $65.15 .,+:i.+?\'v •t..•.v ..ran , • ' , ..+\'•.•\:Y.:\k•.:k R' Total fees charged in 2010 $701.00 Total Interest onarged in 2010 $113.4949 Year-io-dete IOW S rolled as charges minus any refunds applied 19 your account on or after January 31, 2010. I EST CHARGES Your Annual Pruamaye Rate (APR) is 101 annual interest rate on your account. Amual 9aknee Balm Percentage Rate (APR) S." To Intanst Accrued Interest Type 28 Days In Cycle Interest Rate Ctarlles Charges Purchases 20.90%(N $2,398.40 $65.15 $0.00 Cash Adverhosa 20.99%(v) $0.00 $0.00 $0.00 (v) - Venable Rode Place an Information About Your Amount esCli01m for the Calculation of Balance Subject to Interest Rate, Annual Renewal Notice How to Avoid Interest on Purchases, and other important informelon. as appliabia. 8328362 This Statement Is a Facalmile - Not an original X coomo1 Fismanoho DDO N 2 12 1a0rm2 POel 01 Oared MAMA OIM 07110006100000102201 EXHIBIT 2of3 ChAA12762 Irrlrnember Agree?rt,e?f EPTANCE OFT HIS AGREEIVIFOT the ca 'jih us ,,reemenl governsyour credo cardrsaccouniv, e olyotrr a count is covered bythis agreement. carver lngthe crdlorthisaccount.Any recotds.N ount. You osmoe10 aini Ise lead the entire ayreemen[ and keep tt or Your out account. You p o nA chat,],! Yo'If account for all ua f . arC ions made onY sible for pa}`in9 nscl us lnralllransaclions ntadL01'Y o hertatd ndviduallifyyserresponr linanfequre4hal u \Ne may ,is is a joint account, each of YOU. ' get amounts owed. even it Ilia account is used by only one o yo . reemenl i pay the lull amount owed tvilho suaece ve I.VDUwillebresbound to -e even -,I you don I ur cardwhe nyo ur ose, ase sign Iheback of yo nu use your account for any p D agreement uthorized by Y oyouwdlbe bound by this .3U ur anyone a have ;n your card.`Nhesher you useyur account or nahot , er receiving Your card and you less you cancel Your account within 30 day USA, IJ.A.. ount for any purpose. t usedyour acc rs" mean all reemenl, the words -'J nte . us' and -our 0u eyuu handByoo toughout this ag theP ersonwhoapplied e issuer of your credil card and accou. the voids -You rso 9 willtthis agreement ,i ncluding responsible toe co in r the account and the person to whom we address billing statemen as went as any ,rsonwho a ts dev be liable le astaccoum numbers,th tcwe have itssuedtop re car ar you ds such other ace s obtain credil under this agreement. for arson,), )amity or SING YOUR ACCOUNT responsible tee or it is requir Ed by lave, we will not be our account is a consumer account and shall be used only our account. You se ousehold purpos. Unless we a9 fe,inlernet or merchandise or services purchased or leased through use ° ke surethalyou rnmise to use your account only for valid and lawluilransections. torexam {aces. it is not our tesponsibilily o ma onsible for I in some p you will remain resp agreement )ambling maybe illegal and yrated under this Ise your account only for permissible transactions, iaYing for a transaction even if it is not permissible or contemplated types of Transactions: our card to pay lot goods or services. checks as a Purchases: You may use Y Clteclis: We m,,y provide you cash advance chocks agrbalance transfer youror chat ?s• balancestoaccount, ?_•.?ay to use your account. We also rater 1o them inthis aeement as a chock You may use IC heck to pay for goods or services,tortansler es t ou may not use these checks to transfer bal Only, the or lot other uses we allow. But Y of our related comb the check. cash advance checks this account from other accounts with of any person whose name is printed on the Check may sign ou We may treat are treated as cash advances and balance Iransler checks era heated as balance agreement or any ollerwe make toy checks that we tail convenience c becks as balance transfer checks. However, c ec s iranslees except as noted in this weindicaled to You are su bjec[fothe terms thatwe call convenience checks and Thl f or cash advances, may be treated as c ash advances and assessed cashadvance W ES and lees. • alanceTranzlers:Youmaytranslerbalanceslromotheraccounlsorloanswit other rs toIhisaccount.or other balance translers we allow B 'llcava lab) vested balance e transftraer transfer r 1vo Y our But you may not companies. portion Ira req st tom transfer of our rslaled comp may process a partial balanc available Credit line, we credit line. et cash from automatic teller machines, 4 C ,-backs' )oral, Cash Advances: You may use your card 10 9 or 10 obtain travelers c the card; es; or to obtaintotte Irom financial institutions accepting nsactions. Yo currency. money orders, wire translers similar nt or similar cashlike char, ermentonyourbahalladrabill thepayment tickets, casinogamingchips, racetmake k a apgaY may also use a third parry service to ma to this account. - Overdraft Advances: II you ha ve an eligible checking account with one of our our checking account with our refill bank t mentaan banks, you may link. this account to account under fie terms of Ibis a9 cover an overdraft on that checking called"bitli your checking account agreement. divide time into Ise riods Billing Cycle: In order to manag e your account, we cycles'. Each billing cycle is approxcle ihla ends in thhinlenglit For each at month. Your ac oval will have your account will have a billing [y billing cycle ending in each calendar month whether or not there is a billing sta em for that billing Cycle. our account, that person Will be a Authorized Users: It you allow someone to use y rd for use by an authorized user oli, authorized user. You may rIl additional e c aronthecredilreporlollhatauted u your account.llyoudoso, this u account may allowing anyone to become an authorized us arson to use the account as you can. You toil) rem user. you should think carefully before wing our account accordi because you are allowing that p ying all char, our account and each card is ibfar pa responsible for the use t includes y our responsibility jr, the terms of this agreement t Ihotized userS y permission to use your account on your account made by rou must n°lify us I. terminate an authorized users D checks or any oI you notify 'is-we may close the account and/or issue a new card or cardswith If differ account number. You should also recover and destroy any cards, also refer to means of access to your account from thuur btfng statements. We may ears on Y a also show that only a portion Credit Line: Your credit line app cash adva ur billing credit line as a cred?e limit. us ed for cash advaniceseLasrt o n of }'our creditline, and all of yourcrediIline may edtohecashadvancep onsibleforkeepingtr checks, are charged against IIhur e F you are resp are charged agamst your Cie dil line. of your account balance, including any fees and finance charges, and making sure it agreement'tUJline for anY e may but remains below Your credit Ii ?ovfefj mil lee as described in thisover reason, we may charge Y any are not required to. authorize charges that go over Ym?ediatetly if we ask you PoYThis agreement over applies s credit any ny balance line, and you on your must account, p ay including any balance over your amount over credit line. At our discretion, we may incre portion of your credit line at as any e'rmdu f+pWeVe( ?? you have asked us not to do so we , :•,rillttot increase your credit line. A change to your credit fine will not affect your obligation to pay us. iny transaction that you ran omen International Transactions- make in a y o lhal you make outside of the United States of America even foreign currency it it is made in U.S- dollars. 11 you make a transaction to a foreign currency, is international Mastercard International, Inc- . will convert the transaction into U-S- dollars by using g its respective currency conversion procedures. The exchange rata each entity uses to convert currency is a rate that -it selects either from the range of rates e available in the wholesale currency markets for the applicable processing date {which mand rgatoveernm me ay ntvary from the rate the respective dal ree-cTeheiversa}, rate in ore the ess itself tlect cable Pentity able Processing d lledif e on the applicable proceessing date may differ tr tromtha rate on the data you used your card or account-We reserve the right to charge you an additional 3 % of the U-S. dollar amount international transaction, whether that transaction was originally made in U.S_ culated of any and converted to U.S. dollars by Visa or n the dollars or was made in another currency a 1 if any in t provided i us by thatnentter 'theesahme procless a d charges may pp yllar amount to to us by entity. transaction is reversed. ay. but ae not required?rr????ransaclion Refusal to Atilhowi7e Transactions: We m, on your account for any of the following reason!-- because of operational considerations, because Your account is in delaull, l we suspect fraudulent or unlawful activity o? in our discretion, for any other reason. We are not responsible for any losses if a transaction on your account is declined for uff any reason, either by us or a third party. thayou eg start your eaccounlawnh an For online transactions, we may authorization system that we select. We will noidiyyou it we want you to register 11 you do not register, we may decline your online transactions. ive Refusal to Pay checks: Each check you urlaeeount to decide°whe her to au horize that a check for payment, may review your check-WP may, but ate e not requited to, reject and return unpaid a check for any reason, including the loloowing examples: or one of out rash advance portion of your credit Your line has been exceeded, or would Your r line or csah. be exceeded if we pd he che dared check is paid, resulting in another check being The check is post-dated- e Ifra ostck not esponsibl? paid returned or not You have used the check after the dale specified on it_ ?ylrtber ' - Yov are in delaull or would be if we paid the check. o our account is lost or stolen, or you think someone used of r Lost Of Stolen 'at 5, CC e of other means to thous access your permission, you must notify us at once by calling she a to may use them without Caidmember hone number r use Your cc Service ley ou notify us, even iiyonvr card. check,rabcico nttnumbertor other yo n use your account after ry means to access your account is found at returned- We may notify us of any loss theh or unauthorized use related to your U credit privileges Y YOUl' account. C 01 eive You may be tut Yoou II not be I ableofor more than SSD.DD I such tra satctions,rand you d will b not be , liable Yo for any such transactions made aher you notify us of the loss, theft or ° unauthorized use. However,}`oumust identify torus theunauthorized Charges Isom which d you received no benefit. onin We may require you to provide tisinlorma`h ceAainipgtohelpes find coutwhathwphnour "g We may also requite you Io comply h' investigalion- include a PAYMENTS at payment Instructions: Your billing statement a d sets forth theede and time by an instructions you must follow lomaking payments on which we must receive the payment. oil you agree to pay as amounts you owe in U-S- dollars drawn on funds on deposit in a U_S- by your financial er financial instittder or aueomaticrd 6itthat will be processed or honor reusing check_money older lder not accept cash payt vvilf Your total available credit may not be ng institution. to 15 days after we receive your payment. es restored for up aym Any payment check or othhedr n°tulf orpw l1r a similar notation or that yourothervh se lender II balance that ctmarked "p ant in full salisfacionot a disputed amount (conditional payments), must be sent lo us art the mont sta her regarding paymen s- Forlexample. it it is dettelrm ned there is nosy lid dispute or it regarding such pay ent maddress. we ay ref use oaacceptpanye uc nip yment by ylow an11such payment 19 e received at any other the veil) stiff owe any remaining balance. We may 01 returning it to you, not cashing it or by destroying ii. All other payments that you make nce should be Statics the regular payment address shown on your monthly statements. our APR even Though there is a deiaull or if we do not 11 we decide not In increase Y ment checks, at first our APR up to The maximum aulr APR an {gaaeveni of any su ure default. Your eligible Pay increase y , we- our right to increase your educed deiault rates or reinsl t a e unt on which the Chet !s sta Table, r?'e tine iigltt to electronically collect yo We may rn eos eurrve discretion determine to charge o rur account- e P rization l07 collect We e resenlinefil. from the bank acco us tacos for all or selected balances on yo esntement and any )Including ew to merit checks is your authao dial j drawn ayhaie n cst The L Method each balance vn. our receip of Your I Y or ij needed, by sending a Calculalion - Average Daily Balance amount of the check electronically, perjodic finance charges separate) urcases,balanhce elec ouI bank. your bank finance Cha ):We calculate nsactions (for example. p k account. Payment Chetkswill be collected ,count nu o ersJOY our payment. The Transact+onsg rune along with the check, fouling and account we leceo e v 3tt translers,Galan[etransferchecks cash advances, cash advancechec s, over r Dint may be deb+ted X11 Ue desuoyedaand ;,,,,Image will be maintained in °vr assocjaledwithadiNerentcafegory romotion)-Thes of e trcaalculaljons maycombine different Categories na1 payment r:he.ckw advances. andoachp n1er,r due, as shown with the same daily per rates. This is ho:^i it wor s. nrds- at least the ininjmvin p y a merit is due. e11pdic linante charges f aor purchases, balance transfers, balance the dale andtirno p Y We calculate p te daily periodic rate nimum Yayn,en You agree a10 t pay lull amount you your billing state ement, so That we reae?en' due thand may p aY The es, the IransSerchecks,casbalanceclor each ofhoseecatehave ova dhah aadvancesconly i5 j may pay more than The mmimuin Pay i for each of those categories, each day. You may I any lime II Y eshecauselinancecharges multiplying the daily you have a balance intinan[thate is char9suhject to finance c ou have linked this acco unt to a checkeing account with one of our related banks. s for urchases balance translers,balance .e us a. the lessynu wjD pay Dner 'rnu p.lyus• to a promotiona We calculatethe periodic finance char9 P cash advances, and cash advanceeheckssubject inning balance and yourendiny6alance llhe Yo true un your balance each day- transfer check,. promotional rate- our billing slalernent} . if the New balance i sS10.D0 or less. Your ur billing stalement shows your beg i1 will be The largest of the same way, but we use the f rate or oa th c ategory: eve Balance- on 1' Balance- Otherwise, () 01 the sum of 1 % of the IJew Balance, inning jnimum payment due will be thew Balance; et the dailybalance lpalance for that day- take the beginning dueandany we add to that balance any new transactions' fees- other charges, and debit e following: SI.DD:2 % 01 the Ne es and any billed late and overlimtl lamou 1 Toget cal billed periodjc rate finance twat also add any arnounl p 1 to that category. We add a new Purchase, cash advance, rt. i due, adjustments that apD Y fica6le_ to She dailybalance as of the nimum pay art ill the mi advance the[ Pa merits Tauthorized vet your credit line. balance lransler or overdraft advance, i aPP transaction date, or a later date of our choice. We add a new cash our or balance transfer chec Edits dit k to the daily balance as of t the datto e a the lat cer a dshatae dvofance 'aymen1 Allocation you agree That we rid cres in a way Iltat is most favorable to or c In bonvenient for us- For example. You detoof calan[esl`N'lfal°v'zerAPRs(such uthoiizo us to a¢p1yY°u1 Payments check or balance transfer check is deposited by a payee. . of is Pfomil APRs) before balances wilhhigher APRs- choice- s. eredils_ or credit adjustments that Credit Balances: You may request a relund 01 amount llnew charges or fees b led We subtract from that balance any payments. balancebY or and that are credited as o1 that day. apply to that dit category daily reduce the amo unt of any credit We treat a credit balance as a balance of 1fO'lor the next day, we e add rio the dic rate Tu your account. aulhO,i,e a third patty 1° autianaticallyme nbe e r our ships nning balance for each categoory 11 more than egory oneydai Y P lies ,e monthly utility charges. based on the Automatic Charges: You may edloranyreasonljncludjng To yet the beg' ma vary eat lransactrons (lor examp s We "' pP our account periodic finance charge tbecause daily the r late clor the cal. account for rep II automatic charge reason} or Y could applYtO a calegorl balance, we will use the daily periodic rare that applies insurance premiums). ended for any a jn these charges 'Join amount of its average lady rovides for daily and onsjble for notifying thbut are not Pegti red l°• Pay for the average daily balance amo acfi at a Ye -This l tagreementypte to calcu ate e because your account is closed or susp number changes. You are rasp we may. daily periodic finance c arge directly. If your account number chan9eou authorrzedtobe billed toy°Ur °Id account comp ounding of finance charges- a for the billing cycle, we add all of the daily your new account number charges thalY special terms for your account. 11 we for each triag for each day during that billing Cyce- number. offer sp they will be in effect. To get the total periodicljnance char9 we will charge you at least the period linance charges !y due _ l Promotions: From Time to lime we may period er, it any periodic finance charge we will notjly You zbDut1he i arms of the oiler andhowl ong HDwev eriodic truant a charge slated in the Rates and Fees Table. ll i1 weadd that Pet d o, minimum Any proinotjon IS subject ID the terms of this agroernent, as modified by T he to add an additional an aunt to leach the minimum urchases made during he+6dlinng cycle. Put promotional oiler- amount Io the balance for FINANCE CHARGES P a Rates: YDllr a^nual percentage rates The Total finance charge on your account tot z brlhn9 cycle will be the sum of the r daily periodic Rates and Annu al erod" ance charges_ e[ the daily Periodic i i ante charges plus any transaction fee fin ad daj1V periodic rates are listedI Z t IyeIn g s and Fees t t hat at a, h'APRs-) and the corresp s round up at the (ihh For eac h categorywe Calculate an aver r daily aily baallaancces and and d divviiddi new d ocument or provided sap Table that is at the end of this sactions) ung "'a You by pp by 365, and in effect alway for the billing cycle by adding all you IS you multiply the average daily balance for iodic rate we divide the A int- with changes the number of days in the billing cycle- wand-? silt b the number pplear t a to the right of the decimal p t e app is eriodic finance charges fort g. a I To our account maYvaryacategory Y aria ? that varies vvr C The When You have an A arialions due to roundjn adding amargin to lp Si the Py rime Rate p ubiri,,bed in at days in the billing cycle, the billing total cliff equal the P periodic finance charges to the prime Rate. PR cle, except for minorv Dale shownon your billing balance attributable tD that cy Rate, vie calculate the APR by ublished in the tJloney Grace Peiod and Accrual of Finance Charges. aac t rd to your r Prime Rate p s ublishing fee,orlinance Charge from the dare it is add arge Perjodic 1Na115rreelJournaltwobus,nessdaYSbefoteth all p Dnattansaction, our atcDvnt.Hawever,wedonotchivpayment pUOnyourbillin9 entinlullisreceivedony statement. The-PrimeRale M-SI unlilpaym urchasesbilled duringabjllingcyct afrnent i edue and we Bales section o 1 The Wall Sire el Journal , R The rat finance charges on lie% PU, date and time yovr minimum p Y llte Prjme Rate, we will select a similar relerence e and inform Y PR A of your New Balance by our Previous billing statement by the te notice. Rate In calculate The our New Balance on y statement or through a separa add to the Prime percentage we The Rates and receive d payment of Y q margin is the p that is not a Weekend or federal holiday. a date andtimey a ritw' tobalancel rans 's exception of-glac e Irs.balance transfer checlks. O slh our p Yme 'business day- is any day are varjable rates. Il also l" riding AP in R. lot to Purchases and does not app y applicable. mrmum daily perjodic talc and corresp ou a cash advance tee in our billing statement, we see advances. cash advance checks of overdrah advances. t aDP Fees Table shows which rates, it any, each variable rate and any m Data shown onY rime Rate to get Tr a s before the Closing triable yo in to that P nsaction Fces for Cash Advances: VJemay a arge Y Two businessday the amount slated in the Rates and Fees Table for cash advance chicks and Cash above. alf what the Prime Rate is. We then add the aDe erjc rate Irom the pfevjnus billing advances. service to make a payment on your 6eh-i and te is calculated as described Dnith as of the first ou use a tbird paM we may charge a transaction tee the APR. The daily periodic ra odj e to a daily p in addition, if Y es the payment to this account. It our calculation results in a Chang the new rate 'in apply The service charge' month cycle because the Prime Rate has changed. ah; her.. erjodic for the payment. le, the day of your billing cycle that ends in the calendar 'i Ihavetopay ich we made t e eriodic rate mcreases,y These transaction lees are finance charges. We add the fee to the balance (or the related category as of the transaction date of the cash advance. For a bola calculation. 11 the daily p a higher minimum payment. finance charge and may have to Pa vary if You are 'it, default under a ieslar any of Default rice Rates: Your APRs also may related cat tee fora cash advance would be added to your cash advance a ante. of our related comp ou a balance lransler lee other agreement you have with us or any other Transaction recs for in The and F We may charge y Transfers: or any in the amount stated in the Rates s and fees Table for balance transfer checks and the following reasons: ed on this account or any .iln a men) Thal is a- the date and time es;- We add the fee to the balance for the WE do not receive, for . i le ast the minimum payment due by balancetransf th elated category as of the transaction date of the balance transfer. For example, a account or loan with us. These tra category fees are ljnance char9 our balance transfer due. bank- transaction lee for a balance transfer would be added to y You exceed your credit line on this account. an promotional r ment it) us that is not honored byVour b balance- You make a pay we may increase the APRs )including Y P OTHER FEES A[JD CHARGES I1 any of these events occurs, char9 fees_The amounts of these fees are listed in the rtes overdraft advances) up to a maximum of t factors flu a the foltowin9 consider the followjng the We may APR) on all balances {excluding our account has been open, ur default rate: the length of leulls on your account- other iadtonsihips the b,,ll?g cyc?eThese tees will be added to the balance for Purchases ma a urrng rate stated in the Rates and Fees Table. We may it will be determine Yo of the del our account has an annual membership fee, existence, seriousness and timing jnlormation about we obrbtain from consumer Annual IJlemberosViusey weo obtain from re of youraccount usage and P erformance; ar or in monthly ctouagree to pay it when billed?The annueal our accOuou Fit. , andy Y9 antes; and information a with us of any of our related comp vhelherornoty credit rI, pans rPobtained rcyclermdwh ch the defauteocciirs ate will tke effect as vt billed eat reeinentis made pursuant to a transaction involving Binding Arbiliat'on'Thrandr shallrbe governed by and be enforceable under the Federal our account maybe amended. This ArbitrationAg _,Gas it reemem whichthe annualmembership interstate commerce, a ment Atb111a11onAr[(the FAA".9s and edres un vnderwhich claims (as delined below) may ersTtip Ice is non .refundable unless you notify us lhzlyOU V'ishtoclose y JOday, our outstanding balance in full. Yourp"Y sets forththecircumstanceandprocedu and"oui also solthedatevvemallyvurn'ayYlatemerd°° our account or limit Your . charged and at the same time.you pYY ov or us we be resolved by arbitration i sd of hbeing is Arbgatio rAgreement, vae us , iyht annual membership lee does not affect our to close y parties Covered.for the purposes to ees, agents, 'It You olufvulslandingbalance Includes our Patcnt,subsidiaries,atiiliaies,licenseespredecessors,succey s,assigns. our acceurtt.liyou, account to make transaclions on y any rchaser of your Account, and all o! their officers. LUS antdeout- she shall include any third I and terminate nnate etheannualmelatioshipleeunliloupYY y Puoranyandallofthem.Additionally.- our account reatilhe required minimum payrT1enf by the date and and ;assigns roductsn connection with the Account (including and terminate y chargethe artyp device issued under roviding beneiits services'nerchants 'e i nut rece ro rams and enrollment services, credit insurance companies latnye hillinq cycle, we may the Account rewards P 9 - ees, nag it due as shove" °1 es DIJ b'11ing sTable. it anent for the any tee shown in the Hates and Fees Table. chat accept any credit , m fe uerriesnt bas oednth°^s a st batalaemnecent, thal ufe te: a the late fee using the previous Balance on the c .1 du ive at least the but ot limited to credit bureau'' ants and representatives) tier and all of their officers, directors, emplo debtcollectofs• isnamedbyyouasaeo-deiendantrnanyClaimyouassert as the New Balance shown on the p e same y js the late lee. This balance is th required minimum payment il, and onlyil,such a third pant Ns nh's statement for which we did ^vl receive at leas) the flit a dunng a billing against us. You of We may, without the other s consent, elect mandatory. our ueditlina at anY this lee Clauns Covercd. Either y nst he date ar: It You( it was flue. charge binding arbitration of any claim, dispute or controversy by either you or us nag, to ees. parenis• subsidiaries, affiliates. beneficiaries. agents the other, or against the emp Y way to the Cardmember Agreement. ,limit ts Of Fee: l your accuuitr balance is over' from or relating in any ' e, even it only for a day, we may charge an uof afina lee. We may evfor n any o assigns otthevther,atisingfrom,yourcredit cardAccount ortheadvertising. a pPhcation nil yourbalanceisovertheueditlinebecauselinan thcaen tinchae r9e ovDeLfcles,etmp°T an Claim). This ArbitrationAgreement governs allflaims, rlimit lee for proof Ca[dmember Ag I regulation, ordinance, tort. a transaction we authorized. Van ova not charge mine royal of your Account ( charge an overlimit lei roof account balance still is over your of app ased on ave. stature, contract, 3nSactiButons we may made vn your account, Y whether such Claims are b revision. or any fegal theory of lave such as iespondeat in common law, constitutional p ndandwhrsuch w insseekasremedies ,te ras are iut line at any time during the subsequent billing Cycles. superior, or any Mhetlegal or equitable ground Payment Fee- 11 (alY°Ur PaY'nenl check or similar instrument is not honored, Jbi acdin the applicability of this Arbitration anent is returned unpaid, or (c) we we may roust charge return a money damages, penallies.injunctions, or declaratoiV or equitable relief because it is net . Claims subject Payment Check ned or cannot be processed, reement Include Claims reg 9 a ulornatic debit or other elect'o^i? P'Y tot his Arbitration Ag ast, or arise turn payment f sag Agreementofthevalidiry (31 the entire CardrnembeClaAgreent or any ims me. arose in The pat, of B se a nt fee, ce che ck or balance Agreement. This Arbitration Agreement includes Claims that arose in the p turn p n a cash advan transfer ,turn - Your re oast, or (blwe refuse to Pay resent or the future. As used in this Arbitration Agreement. the farm Claim is to leek Check Fee: iI (a) we stop Payment o a cash advance check orbalance transfer in the p be given the broadest possible meaning. You r equest a COPY Claims subject to arbitration include Claims that are made as counterclaims, uoss c aim . 01 a billing statement. Sales draft or other heck, we may charge a refutes check lee, ecial services (for who initiates a proceeding rn ECOfd of ,amp charge Y claims. inlerpleaders or otherwise, an a parry dmiirislryour ur account II Y you request fuze or more cards or nyoaforthoss services. third party eel to any sch Claims advanced in the lawsuit by count OF it y we may may elect arbitration with resp mPle. yo obtaining cards on an expedited basis ols), applicable y party or parties- er Agreement. you retain the right to pursue to a small {owever, we will not charge you for copes of billing statements. sales drabs or Simi ar co As a urt n exception to this Arbitration assert against usund a n listed d above an wudiction and proceeds on anindiv ic es we P iocumeMs that you request for a billing P d other se rv claims court any Claim ihatiswi[hin that courts j ave. We may c r ge dis you may rovide, the ha I°i any set"ees idual basis. ItapartYelectstoarbitrateeClany to tarbit ation on ill-a action.Neitheryounor weagreetn roceedonsuchbasiz.Thismeansthateven we lees s fro may m consider yin effect when we offer the servic - and the Neither you have no authority P 0 EFAU LTICOLLECTIOIJ resentative action, such as that in the form of a private is tired, any Claim between us related to the issues raised in such We do not rec eive you to leabes) in the def in' a n iultmifuarn any of these es deue oc by the date and time due as shown fablcurs. ii a class action lawsuit a other rep ng attorneey gemneral action, without the on your billi ither you or we so elect- r stateement to an individual arbitration claim ii e exceed your cre th one of our lawsuits ge be subject No arbitration will be consolidated with any other arbitration procee t^4 licant. dit line. agreement or any nagreement be oined in an individual action under you wi ou may consent of elf parties. The Only ; ilhosethat brough[by us nag You tail to comply with the terms of this be unwilling or u"able to ainst ou and any co•app this Arbitration Agreement are () our Account, or your heirs or your trustee in related companies. for mati o n that c a uses us o believe ay payyou de yry° all and any co-app Yount, joint cardamembmbeer, or joint cardmember, or aut orizbrowehtub We obtain it Y r 1 r bts to us or to others on time. bankruptcy or (2) tho utse Account, or you r heirs or your trustee in bankruptcy 9 us_ You hle for bankruptcy. our death. Authorized user of yo [lose your account without notice a filing a Claim in arbitration must choose o` National you become incapacitated or in the event o1 y you to pay t n Association: ° owing w ?i?alance immediately . We also may require Y Initiation of Arbitration. The p rtY II.ve consider your account be in default, m "nay under mus. the rTheuleadmiral s of the str a selected inl t e a momh on t e unpar Arbitration forum-These lion- Arbitration rsvn a is ei cndependeonducted nf learn oeyour ee assccot t outh thnt e r to a le be siofz or for p more cent b111inIZg ?) cycles ass due. u have tailed fo pay us, chosen in accordance with the rules an impanialthird party rovided in this Arbitration not itration administrator by lace chosen by To the s permitted by law, it you are in default because yo that you amend shall be held at a p s' Ices, court costs, and all other expenses 01 of the selected xrbitrat'wn heariingtrator and as may be ed. of at or arbitration administrator judicial district in which you you will ll ll p payay our collection costs, attorney Agreement. Any out account, vac may the arbitrator trat toor some within other the r fedplaecreato which you and we agree in enforcing our rights under this agreement. CLOSING YOUR ACCOUNT time If you call us 10 close y resideatlhe time the C' n co ies you may CIO S9 your account at any ill credit privileges at anytime for writing. You may obtain copies o! the current rules of each of the two arbitration information about arbitration and arbitration fees, and instructions or time or suspend yo our administraloa, contacting the ar bitration administratorz as tv eves: require that Y° confirm your reqnest in writing licabte law. II we close your initiating arbitration by We may close your account at any t as required by app closing Y consequences resulting Irom American Arbitration Association. BDD 779-7$79'. Of Avenue. Floor 1D, New 35 Madison any reason wit ? oti site. hout prior notice except 10017-i1i05 Web site: www. MIJ 55005. account, We tNill not be liable 10 YE) riDle9es- P. D. Box 50191, Minneapolis, or suspending Y otized users must immediately st°f our account, you and any Bull) ouraccount Nations! Arbitration Forum ,00-474-237111- loalle!ss 11 you or we close y all cards, checks or other meaonn 'ble lorcharges 10your wwwarbitraliomfor4 applicable , ble i79 2 Procedures and law applicable in arbitration- i h at least ten years arperence orlai retired using your account and destroy you will dures and recessed after your account is closed and y Claims The arbitrator will either be c or return them to us upon requesof P will c onl rrti a to be rasp r^ to the terms of will ll be be conducted under the applicable proce ou to pay the or former judge: The arbitration d ?. Blinn is nt, even flab the outrstand ngbalance on your account accord g a c c ou Agr ement en agr nconsistent wi h thisArb trai orn r law, we may requit e y be required to p y rules of the arbrtorCeauies end rules areai time by, your accountisclosed. unlessthose p aile this eement In addilioed ately or at atnylowed by applicable substantive lave to the -These proc outstanding balanceimm DISPUTE MAY v+hichCase t isA feu"oYouofPusVThe, arbiltatorWill rapply desmaylimitlaamou lent ARBITRATION AGREEMENT PROVIDES THAT ANY of discovery -applicable statutes of limitations, and will honor claims of THE RIGHT TO GO Choose to have a hearing and be represented by PLEASE READ THIS AGREEMENT CAREFULLY. IT CLASS ACTION DR OTHER pcDnrlegenrecognized attlaw. YOU may to rotec1customer Account information counseI.Theaarbitrator rwilitakereasonablesteps P BE RESOLVEDOUBWILLfJNOT BERABLE TO BRIRNGIAN REPLACES OF APRIVATE bitrator livid use of protective ore dad lorrunderr To COURT. S THAT IIJ THE FORM NY CLAIM IN The at ABLE TD BRING A WILL and other confidential information, including the do b provided REPRESEN TATIVE ACTION IN CDOURR WILL YOU REPBERESENTATIVE ACTION. YOU an damages or other relief ATTORNEY GENERAL ACTION,TION OR OTHER NTATIVEACTION disclosure outside the arbitration. if requestedto es so yY ou or us. ACTION OR OTHER have the power to award to a party any THE IJDT BE ABLE TO RE PART OFAOR BE REP RESENTEDDIN ARLLA RESE 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. H the law authorizes such relief, the ARBBROUGHITRAT T By ION AS A ANYONE EL CLASS SE A C, TO PARTICIPATE DR BE REPRESENTED arbitrator may award punitive damages or attorney fees. The arbitrator roil ma .e an REPAESENTATIVT ACTIDN.IIJ THE ABSEfJCE OF THIS ARBITRATION AGREEMENS,YO p b ou or vs, the arbitrator will provide a brie HERWISE HAVE HAD A RIGHT DR OPPORTUNITY Off B BRING E,NTED AND WE MAY O JUDGEORJURY,ANO/DR NG CLASS ACTIONS AIJD WENT Uponair quest utneednotprovideaStatement of reasons untofthasons IIJ A COURT BEFORE A f statement of the reasons . , HER IIJ A CASE FILED IN CDURT BY OTHERS (IIJCLUDI AY BE [car the award YOU up to the a ment_ Additionally, it there is a hear REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT YOU WOULD HAVE IF YOU on receipt of proof of p y TO A COURT ,DSUCH AS DISCOVERY S THE RIGHT E W.IHOSERIGHTSAREWAPJED. aTaun of 5500 vp nurse you for the initial arbitration filing fee par by t??ORELiI ing. we OR TO APP T14E D D,I,we will JIITE.EXLEPTASOTHERWISEPROVIDEDBELO TELEPHONE MONITORING AND RECORDING nts, may listen to and record your telephone calls with may do so. whether you or we and it a licable, our age our agents, such hearing lees by us will be made directly We, ° ree that we. and if applicable. ou,ay ahy lees of the arbitrator and arbitration administrator for the first two a a heaiing.7he payment o1 any or a pursuant to this Arbitration US. You ag a If. +e arbitration administrator selected by You lees INFORMATION SHARING you ee' All other lees will he allocatedinlreeping' the rule,bu film ee' INVO a the telephone and with others outside our ramify n companies dsi, as penc?udirmngianny ae However,wev+rlladvanceofreimbursefiling f .inislralor and applicable I e arbilr le la administrator or arbitrator or rmines there is good ausoode y family Of utho criomzepuaston;eZa onw ith hers or side ouayt PPeaardonihe youro carau lost trece;veoan 'se ation other fees it th party's ,,,an hich is provided to you -hen y ins there is good cs, ed ;on for requiring us to do so or you ask us and vie del by law. Our Privacy Policy w arty will bear the expense of the le eased, regardlessaof which ive us about doing so. Each p Y _ ,t?rasmentandalfeastonce each calendar year thereafter, describes owinformau°n treys, zr.pens, witnesses, documents and ntheer n nzd below) , except that the cout xv h companies or er a party should sharing practices and the choices y°aand your directions IV prevails, for arbitration and any appeal Iar P our zharing of information about YOU itralor shall apply any applicable law in determining whether orcemenl. fin within and outside of our Iamily of companies- over any or all lees and costs from another party- in enlorcing this Arbitration "`1 nizaiCARDME a litY appeals. Failure or any delay cularClaims,vvillnolconsl;lute ion a unless you authorize the ezment at any time Of in connection with any P Illinois law provides that we may not share information about you wit compatne rocoeding wilt be final and anirations outside of our family of companies elver of any right s it) require arbitration at a later time or;n di n throe lip any °r otherorg a eels in to the arbitration organization disclosure or unless the d;fpCeS ryou?l?iansact ors or in response to a subpoena). er Claims. Any decision rendered;n such n writing t p as sharing information to p ding on the pa rties,unless a party pp eel must request a new arbitration agree thal,if you choose not to exercise the applicable opt out described You hereby you will be deemed to have authorized us to share personal thin 3a days of issuance a the award. The app in out Privacy lore a panel of three neutral arbitrators designated bisthsuees same a neve, arbitration follow the follow the inlorionwehaveaboutyoul;ncludingintormationrelatedtoanyoltheproducts ide r all factual and leg al i ganization. The panel will recons Policy, y a single arbitrator, and make decisions or services y have with any of our companiesf with companies or other me rules that apply to a proce EedanyacUsing h party vAll bear their own lees, costs and you may organizations outside of our family of companies. apppeShal,e majority. aj a o pri rl may recover anyor all lees, Cossandexpesnses Y of our rights under thisagreement wilhoui the ENFORCING ;s peednsasitoht the any vote it the majority of the panel of arbitrators, applying iv applicable delay HIS AGRE ^ENenlorce any • so determines. An award in nY cDun r havingjur sdici on able asp losing our right to enforce them in the lulure_ it any of the terms of this agreemen vm another pony' >A A or other applicable law by are found to be unenforceable, all other terms the rurvive{e:atilitontershipmin etation or ASSIGNMENT hanger in the Cardmember Agreement, the Account a will remain in lull force- evcrabiliiy, survival. This Arbitration Agreement shangd survive: We may assign your accouni, any amounts you owe us. or any of out rights and iJe he such as the issuing of a new account number obligations under this agreement to a third parly. The ow person to whom we make the r and a concerning the Account, you or on your behalf; of our rights that we assign to that person. r the transferring of the balance in the Account to -another account; l assignment will be entitled to any arlor anysimifarproceediriginittatedbYyllanyPortionof?his ankruptcy of any p Y you or by a third party- ortions GOVERNING LAW rid (iii) payment of the deer mlull v y the remaining P THETERMSANDENFORCEMENTOFTHISAGREEMENTANDYOURACCOUNTSHA Ahzilreve Agreementsdeemedinalidorunenforceable, BE GOVERNED A14DINTERPRETED I A ORDOFDEWITHREDWITHOUI7REGARD THE LAW :all nevertheless remain in force. THE EXTENT STATE LAW APPLIES, :HANG ES TO THIS AGREEMENT time, re aidless of whether you have access TO CONFLICT-OF•LAW PRINCIPE L. THE LAW OF DELAWARE, WHERE W R U D g provision- Our right to add, YOUR ACCOUNT ARE LOCATED. Ne can change this adding, deleting, or modifying any p such as the APRs arid fees. ?o your account, by 9• _ THE ACCOUNT. ig delete, or inodi(y provisions includes financial terms, his and the Cardmember Service telephone number on your card or billing ri dilions, FOR Please c INFORMATION Modifications. 01 he and other terms such as the nature. eLoxteth;nt, a and nd enforcement or deletions are called "Changes' or a -Change _ statement it you have any questions about your account or this agreement- obligations you or we may have relating with YOUR BILLING RIGHTS We Change if required by applicable law-These Changes may e cp This N ce For Future Use VJe will notify you of any be effective with police only, al the time staled in our notice, in aceor once oti applicable law. Unless we state otherwise, any Change will apply to the unpaid I( I(tucecontainsimportantinformafionaboutyourrightsandourresponsibilities have with respect to example. Change, and under The Fair Credit Billing Act. balances on your scribe any rights YOU may le the notice ill describe any rights You may IJolily Us In Case Of Error am ilte consequence s may notify us i s or of isrou needomoreun Your about a transaction The notice w it you do or do not exercise those rights. For nom a se arale sheet at the Cardmember Service address shown a sPecil;ad dale if You do not want l0 11 you Think your bill is wrong, Y nwriting 1 _In it feat v? Ma'rl accept certain Changes we are ma trig. on our billin statement. Write to usou the first bill oni which the error or problem may Closed Ill it is not alreadYclosed and You no ? ter than 50 days alter we sent y es, our accoun der The applicable terms of the but doing so will not preserve your rights. will be othebliChang Y or al o0 gaced t° pay your oulst b the date stated in the notice, Y appeared- You can telephone us, will be agreement. If you do not notilyus i anndin writing y In your letter, give us the following information: polity us but then use your account ahe the date stated in the notice,i r will be ;n the notice and to accept and confirm all terms of Your name and account number. error. The dollar amount of the suspected ih ou believe theta is an error. It you deemed to accept all Changes prior notices we have sent you regardless of your agreement and all Changes in Deseribethe error and edescnbe the i emyou are not sure about. .•ihelher you have access to your account. need more information, II you have authorized us to pay Your credit ca rd bill automatic all from your savings CREDIT INFORMATION by obtaining inlormation Irom credit checking account. you can stop the payment on any amount you think is wrong. g To slop the p r teller mull reach us al leas) three business days before VJe may periodic ally review your credit history 1 including or aymerit you bureaus and others. our account lot the automatic payment is scheduled to occur. unt '?Jemayreportinlormationaboutyouandyouracii;i Iocreditbureaus, i your failure to pay us on lime. II you request aodr name as wse11 as in the names of Your Rights And Our Responsibilities Alter We Receive Your Wr;nen Notice We must acknowledge your letter vddhin 30 days, unless we have corrected the others, we may report accouni inlormation in y bufe You may error by then. Within 9D days. we must either correct The error or explain why we au, (hose D1her people. il you think we have reported inaccurate inlormation 10 a on Your tbilling statement. believe ihebill was correct- write to us al the Cardmember Service address listed r , telephone n Atterwe receive your letter, we cannot try to collect any the amount You amount you question, or u for lease provide a copy of the credit bureau tepoA you as delinquent. We can continue t enillunpaid ° amount agai slyour credit Please include your name, address, account numbeumber and a brief ncluding finance charges, and we can apply any repDriled description of the problem. If available, p I;ne. You do not have to pay any queslioned amount while vie are investigating, but r eport in question. We will promptly +nvesligate the matter and, it our investigation atfter you era still obligated to pay the parts of your bill that are not in question. will not have To pay any finance shows that you are right, we will contact each cre With you bureau to which we you all It we find That vie made a mistake on your bill . y you the information and will requel correcllhe repoit_11we disagree writing or by telephone. Wts will also notify the we wi11 tell y yoin. related to any questioned amount. II we didn't make a mistake, you may I it Y,now that at You have to pay finance charges, and you will have to make up any missed payments on our;nv eBtion, c red;t buurreau that you dispute the nformation unless you le charges longer dispute the information. the questioned amount. In either case, we will send you a statement of the amount fIDTICESJCHANGE OF PERSONAL INFORMATION you ovve and the date that it is due. We will sen d c ards, billing statements and other notices foynu at the address shown It you jail to paythe amount fhatwe think you owe, we may report you as delinquent. However, it our explanation does not satisfy you and you write to us within 1 days in our isles. Or, it this is a joint ac count, we can send 6;e c rider e n and notices YOU will be considered notice to all of we must tell anyone we repot you fo ihatyou to any joint account holder. IQotblit one of V our name, felling us that you stall refuse to pay, 11 you and all of you will remain Obligated on the account. r you change y have a question about your 6111. And, address, or home, cellular or we must tell youthe name of anyone we repDried business telephone numbe email address (if You ou must notify us youto_VJemusl[ellanyonewerepo address shown on your billing rtyoutothatthemanarhasbeensetlledbetween these rules, wee can't collect the first SSO.OD of the questioned elect mmetdioatreely receive ve writing billing at statements or other polices fillinnge stl,'atement.We may, at us her We if Iwv don't foll iows. Of colleclron. amount, even finally ilusyour ball was correct. cluiromtheUnitedrviumberYou our ciions rvice o Special Rules for Credit Card Purchases cellular customer Telephone sen at We any may cddprentsas ct of o u aboulyour account, including for Telephone number as well as any provide us. °. ,?c? u have. a problem vvi Ill the guaIlly of pfopefly or services that you purchased cha a adfi the merc an , it card, end you have vied in good laith to correct the problem tces. have the right nut to pay the remaining amount due on 1ha property of serv ons may ,ighl hadoes not apply to check Iran sac home state or' 1 notv,ith nyour hometstate, 'DU ntusthave made the purchase,n address. and ,in loo miles of your current maifing the purchase price must have been more then 550.00. h limitations donotzppl'{,lUeOranoroperatethemerchant,oritwemailedyouthe e,li;cr.1enl''or 1113 propo,ty of sviviri:s. ,y,ighl(D2007 JPlvlorgan Chase & Co. All rights rese,ved. VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. J4904 relating to unworn 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. 1 ignature) teve Lichtenstadter WWR# Client Account # Name SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff ~Q~r~tx Qi ~ir~ybr~f~~~ Jody S Smith Chief Depufy ~ ,-~~~ #~; 1~., 4: SS ~:,. t ?`s Richard W Stewart Solicitor ~FF~~: u,fi~~~~~r~l~~ Chase Bank USA, N.A. Case Number vs. Marge E. Dove 2010-5759 SHERIFF'S RETURN OF SERVICE 09/22/2010 03:28 PM -Bryan Ward, Sergeant, who being duly sworn according to law, states that on September 22, 2010 at 1528 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Marge E. Dove, by making known unto herself personally, at 455 treason Road, Carlisle, Cumberland County, Pennsylvania 17015 its contents and at the same time handing to her personally the said true and correct copy of the same. SHERIFF COST; $33.40 September 27, 2010 BRYAN D. WAR ,DEPUTY SO ANSWERS, RON R ANDERSON, SHERIFF ~ ~ -~ ~ ~ --t ~ ran ~ ` r-~ -~ , r Er °•C ~ ~ rr~ ~ ~ r~ ~ -a ~, ~ ~ ~ }~ p~ ,~~ ~ (cl CountySuite Sheriff. 7eleosofT. Inc. CHASE BANK USA, N. A. Plaintiff vs. MARGE E DOVE Defendant ANSWER No: 10-5759 Civil Term COMPLAINT IN CIVIL ACTION FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: lames 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 08328362 C A Pit KM! I have received paper work on September 22, 2010 regarding this matter. I am currently working with Pathway Financial Management and have been fora year to settle this. My husband became sick. He is not able to work. It was very difficult for me to make my payments. c~ ~-~ ~ ~ ~ ~ ~ ~ ~ a ~~ ~ ~ ~ ~ - ~ ~~ ~~ ~" r°~ ~ ~ ~ crs ~ ~~ F- , „ ~ x ~ ~ _.,, } p ~ ~.. ~- ~~ N C 7 Thank You Marge E Dove ~u~ ~ ~. ~9~ October 5, 2010 PILE®-OF lrw L.1 " THE PRrgq ,j ?f:!?1 f °.' 2010 0r--C 28 Afl 9: 0 I CUMBERLAND COU TL, PEFdNS? , IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff VS. MARGE E DOVE Defendant(s) No. 10-5759 CIVIL TERM PRAECIPE TO SETTLE, DISCONTINUE AND END WITH PREJUDICE TO REFILE FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R Bibler, Esquire PA I.D. #93598 WELTMAN, WEINBERG & REIS CO., L.P.A 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#8328362 CHI IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No. 10-5759 CIVIL TERM MARGE E DOVE Defendant(s) PRAECIPE TO SETTLE DISCONTINUE AND END WITH PREJUDICE TO REFILE TO THE PROTHONOTARY OF COUNTY: Settle, Discontinue and End With Prejudice to Refile the above-captioned matter upon the records of the Court and mark the costs paid. Sworn to and subscribed Before me theme f , Day of N ARY P WELTMAN, WEINBERG & REIS CO., L.P.A. By: Benjami R MK?ler, Esquire PA I.D. 9359 WELT]I?VEINBE 1400 K pers Building 436 Seventh Avenue Pittsburgh, PA 15,219 (412) 434-7955 W WR#8328362 & REIS CO., L.P.A NoMia! Seal Waync A jor Notary PuNic City of P ttshurq A! c hE , Co ty i? ,-w;es