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HomeMy WebLinkAbout10-7247-r -•.~~ r 4 ~r 'S f' P" a:__i;f ~"r~l',' ~h,i~ ~ ~aI'~. ~ i ',`~i ~~ .,:'Cl „E ~, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff No: 1V ~~ o-u~ vs. KATHY J SOUDERS COMPLAINT IN CIVIL ACTION 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 08733403 C J Pit SJS ® pa ~ aQ~~e ~ ~.~48~l53 ~ Q~ ~S13t~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No KATHY J SOUDERS 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: KATHY J SOUDERS 125 HERON WAY CARLISLE, PA 17013 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number XXXXXXXXXXXX6561 4. Defendant made use of said credit card and has a current balance due of $18957.19 . 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 , KATHY J SOUDERS INDIVIDUALLY the amount of $18957.19 with continuing interest thereon at the statutory rate of 6.000 per annum from October 29, 2010 plus attorneys fees of $300.00 and costs. James C WELTMAN 436 Sev 08733403 C J Pit SJS Pittsb (412) FAX: armbrodt,42524 EINBERG & REIS CO., L.P.A. ..n h Avenue, Suite 1400 r PA 15219 3 -7955 -338-7130 This law firm is a debt collector attemp~~g to collect this debt for our client and any information obtained 11 be used for that purpose. Payment New Past Due Minimum Bluepdnt Due Date Balance Amount Payment °f Payment 08/18N0 S18,957.19 S1,239 00 51,703.00 51,703.00 Account number: 4266 8411 6945 6561 r1. Make your cheek payabN to: I want to avoid interest with Blueprint, please enroll my ry~ Chase Card Servieea. q f arti ee ead the sta nl inse y W Please write amount enclosed. v r t e r f New adtlress or a-mail? Pnnt on back. ml s ae 42668411694565610017030001895719001703006095608 oaoss eEx z zozta o KATHYJSOUDERS 125 HERON WAY CARLISLE PA 17013-8747 Irrdllrrr111rrrrrrllr~ILIrrlJrrrlrLrll,rrlrJdrLlrrLLl Irrrlllrlrrlrrlrlrrl~rllrrrlrlrrrrllrlrlr.rllrrlrl~rrllrrllrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 160 281: 203 i 16945656 L911• S I atPjw ®Manage your aocouM online: AddHbnal con4cl informatbn fiam QiASEQ www.chase.com/credilcards conveniently located on reverse side ACCOUNT SUMMARY Account Number: 4288 8411 6945 6581 Previous Balance 518,682.48 Fees Charged +539.00 Interest Charged +5235.71 New Balance 518,957.19 Opening/Closing Date O6I22/10 - 07/21!10 Total Credit Line 518,000 Available Credit SO Cash Access Line 53.600 Available for Cash SO PAYMENT INFORMATION New Balance 518,957.19 Payment Due Date 08/18/10 Minimum Payment Due 51,703.00 Late Payment Warnirp: If we do not receive your minimum payment by the date listed above, you may have to pay up !o a 539.00 late fee and your APRs will be subject to increase to a maximum Penalty APR of 29.99%. Minimum Paymsrtt Wamirty: If you make only the minimum payment each period, you wNl pay more in interest and it will lake you longer to pay off your balance. For example: If you make no You wYl 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 38 years 544.704 payment $661 3years $23,778 (Savings=520,926) If you woukl Ilke Information about credit counseling services, call 1-866-797-2885. The charge pdvileges on your credit card account have been revoked. You no bnger have the ability to use your credit card account for purchases. We can help you get badt on track. Call 1-800-955-8030 (collect 1-302-594-8200) today. irnporlanl Message: You Are Ovedimit! Your statement balance exceeds your credit line. You should make a payment that includes the overlimit amount to bring the balance under your credk line. This account is closed and not available for new transactions. It there is a balance please continue to make payments by the due date. Your Bluepdnt goals for this statement: ® Full Pay ~ Split ® Finish It For details go to www.chase.comlbluaorint For delays go to www.chase.com/blueodnt For detais go to vnvw.chase.coM6lueodnt BLUEPRINT 51.703.00 Payment NOTE: Pay this amount to stay on trade with your OLUEPRtNT Plan. This amount also satisfies your minimum oavment due. See the BLUEPRINT Feature Activity section of this statement for more details on Ihis month's activity. ACCOUNT ACTIVITY Dale of Transaction Merchant Name or Transaction Descdption S Amount i I FlHS GHAROElY ; 07/18 LATE FEE J9.00 TOTAL FEES FOR TFtIS PERIOD 539 00 ,,; t1~fTERem'tCltlfjR®t'aD . 07/21 PURCH:.SE UTTERE5T UHARGE 110.02 07/21 BALANCE TRANSFER INTEREST CHARGE 125.69 8733403 TOTAL INTEREST FOR THIS PERI00 5235.71 1 This Statement is a Facsimile -Not an original oboooon FI573338OS 000 N Z 21 10/07/21 Pagel or2 OBS9a bU nu 040ss 202'bbbeo50000406507 a{ INStasas Address Change Reyuesl Please provide informaton below only if the address informaton on front is inconecl. Street Address: _ _______r_________ City State: Home Phone: Work Phone: E-map Address: 8733403 To service and manage any of your account(s), we. our representatives, JPMorgan Chase representatives, arMla affiliates, may contact you at any telephone number you provide to us. Please refer to your Cardmember Agreement for additional details about the use of your personal information L andlor visit our website shown below to provide us with additional contact information. To contact us regarding your account: By Nephone: ® In U.S. 1500-9452000 7 Espedol 188-046.3308 ~~ Inqupka to: MaN Paymanb to: Vblt Our Wabafb: TDD 1-800.955-8060 Pay by phortet-600-036.7958 P~O. Boz 15298 P.O. Box 15153 www.chase.coMCreditcards Outside U.S. call collect Wilmington, DE 79850.5298 Wilmington, DE 19886-5153 1.302594-8200 IeermNM AYant Ywr Araewl Cnaliaq a Ygewp: Ycu may :raze payneMS q airy c? pe upUOns hated below. The amaunto/ you paymlM snd:~tl w at past your mMmum prymrd due, payabp in U.S. ddkn wd drawn a Ipyede Mmuph a U.S. firaeiN insNtadm a Ua U.S. hnnM M a lermgn tmmdal InMmnlm. Yqu mry :ease paymenb by regux L.S. nwL Send your payneni Iq th Prylrenp address clpwn m 'Ma Stabment. Your paymems hy' mw mull soapy w M tM inshalctioln w this spplrad. Oo :td saint cash. Wrip lanll MwuM reuniter m ynurchee Or ma~eyawr PaYlilamelMlBtwaeoompanetl b4MpaymwtooUpm In 1M MYwOp1 prowtled Yem wr adtllea ypide 1MOYBn Np artra0pB wi11dCW; lM envmope anrpt cadan more man ores Wwnent a coupon; aid IMre can be no sboks, papa c ips, tape a! wrrmtaondenm induced w%h your payment H your payment p to aCCadant! With Ow PYYnae0t ;rptrarMOrra ant is made awuaae m e un wry day by 5:00 p.rn, lonl time aver PaymaMSatltlres pre Ma ablanem, we veal r.. ed~.t Ins prymem to your Arzqum a d that day. wymar paynpm k m acwMaMe wile cur pageant nsuudxxw, but rs tirade avYakde ro w alter S:OD pm. tutor line a! tx ~ayrtlMla adtlne m tl!k aptemeM, rro will tredN X m your Atwum as d de next caumdx day. Yqs mry maM prymenn eleclMldcaityfhr0uph ourwebMpslroeet on mle BtaMnaM. n we reuewe yon rnmpklW requetll m ar wetpne by 5 am. Eakin time, we wtll rretlit your orlmarc a d NW say. M we retain Your regxtl aNx 5 p.m PaMem lime, we wi 1 credd your apnwt e d the hoax: rakrlder day, n you spady a lumre AMe:n your mates we wall creenYwr prynam a: of Mar dry Eul all Omer payntenp or rot any uapnert type abase rot whits yoado not fpl:ow our payment 11lMnnlane, crx:tYq d your DaYnwe maY x depyed la uP m 5 daY9. Mown pptalwell RgsrlaB n CIwR BaNaC We mry report Im01mxlDn dhOm yar Account ro awN nuroaus. late paynpn!s. mlew payrlpnts or omn tlefauM on your Account may be mlkeeetl p plot awN report 11 yw IMIY we Mve ropartetl inaaunte inhnmatgn ro a aetlN bunw, you may write m a xtM Iwuirpa anMe shown m Mp amement. To Benlw ant Mwage Aayd YarAeeesa(s): We, our npramnpsnes, JPMorgan chase represenptiws, am0a a%Uatra, trey cored you M am' telephone rumxr ya, prowde ro ue. Please refer m your Wnmemwr Agreement rot additional dep:p zblut Inc use o! YDar lissowl i!damatlpn. Rohn Alent Epetrwk rDaeek Gausrdr: WMn you pry M snack, you authodu us either v use inmrmatidn from yspr check lq naza a ae•Bme e:edron:t land 'ran:dx!rom your ateoYnt or m grace Ms wyrrrent 88 a Medr wanwd'ron. When we use inlamatron tram yar tiedl to man an eptuome Rmtl ttawlw, minis may he wMtlrawn bolt yaraaoum a soon a tip carp dry we ntNe pw prymwrt, and you will rpt receive your eMdr ball Irom your finaidM msitmton. GII IM Ciatcmx Senins nYnber m ma s7aement N yon haw quntlms shunt electrork cMdi cd'~.xUm or tlo wt want per wymalp wYack0 dec6milaey. GedMesW PapawBr. Arty payment cress or oUpr lam d papxm Yal you rind us'gr Ina lhn Me IY% ba:wree duo Mal o ma~iad'paid in IuY' a cgnpine a umiWr nobtbn, x eat ya oUprwise ender M fuH salislactkn d a disputed amount, must be sent Io Cxd Sxvkw, P.0. Box ?5049, W:hdnpton. CE 19 8 60 5019. We nterve an ar rzJma roga•dhg thew pwyarpMS (e.g, n rt k dete'mme Mm Is no valid dppYp a I any vent cMdl is nwww a1 arty otlaw adMSSa, we may alswl Up chedt aw yw wNl still ow aey nnaahaNp Gaul. Yle mry reuse m atxed airy suM payment by retumirp d m yma, not nsnuq it a Opiroyinq It. All olner paymeME Ihm you mat! bh0up M Sent'e tM relpAar Paymem atldree Shawn at :Iris sbkmelU. Awul Rwewel Ma9n:11 yea Account Agreemem las an amuM mtlm6ershlp fee z:nfor aimer charge ha KBYaam a ndbtsMy ql your accoml, is will be hiNe0 cant year or in mwlny a puxwN insgrsrpnts. Tnkfe Ndl0' Marge an Cwe0 whMler or int you un Your rwwunt, and you spin to Lay lbws wMn b~.lNtl. The anuual `qe ark charge aY non-rmundabk tMas you notlly us that you wish :o close your arcqunl wahin 30 days a ms biNfnp tya:k Ivdlichma k ins) alpi wr Ortvke tM sbnmeM on which the annual lee a Marge rs bilko and atM same dreg, you pay yar ou[alendYtp buence in mil. I? yore do the, uz a rdarge billed man p%m than xnnualN mM a a mommy seruke Marge. you wa na owe Ue pnt b!Ikd Marge; hmwwt prior billed umarCn are rem-rntundable as must G paid a Fart d uayiug yar ouaprmlrq Glans m fuJ. Yow poyrnwrt d Me annual tee or duhda does red attest ax rigla to doe your Accqun[ ant p krMt your n9id m iwix GnacSOrw m Ya.r AtCOUm. 11 ynr A(:comt;a den Oy yCa or uS. w1 wm WtMnY1 m impose tM annual lee anUtor charge unbl yw pry per odsbndmp baalrce m lull and hormone yalAtoduM rolmknah~p. Glentatlw of Bntsen Eu1Jetl m MpreM Rea: to heart parr nmmM: inkmM cnarpes pr cant binaq cyde since a tlny pe•ao;c rap(s) appiros, we use tM dairy bubnce InBNrod (yltiY'JIrIQ wnwll irarpaCllpril. Tp fgUre yDa paxhlic Inttlre6l charges for rant bUmg cycle wean a mwMy perYwk rap(s) seeks, we Jce tM zwape dairy Glance mdhort (Ytdudnp currem Inrwadioml. Tdr an nWaltMmn of either metlrod, a questions about a lartkubr iMxnl snares cambdal m your sapment, ease tail us M tip lpq Ire wsromx senior phase lwmber Iisptl above. We caku~ma pedGlc monist dprge.. ussag tree appecaae perlodk roes shown on th.x sbttlmenl, sw:aralery la cola Iwm!c Ie.9., balance uaeler Mxks anU Zip: cash aMance cltsla ('tdprk lraasecBan"), purchase, balacee Ireiafe•c, cash adencea, promotiawl hapnae qr owmrmt aarncesl. 'MSc cakdaeow may comhlre di%Bront raapode whh tla same Pedotlk rtm6 VaMW raW wl:t vary wiM the meMet based m dp Pdme RG for such iedez des:aBed in your Acwum AgremNn). Thera is a mtdmum inpremrfidrW or91 50 (asuCn amount dna~bee in your Arxoud AprtwratU in any bluing pcW in sMich you uw am wlialic IMerox Margee, ma a trawaenen Tae for e:an :p..mee sxaslx, cant a0wrce, nr chrck Ilxpxbm, in Me amwnp staled ro your Arcwm Ay!earaenL as % may De amerarled. Thera Is a lonlpn Iraraead7an fee d 8".. d Bp US. do Ix amcuM d any Icreipn tralwacUm to slant amourt dncripw in ywr Asm1M Apremenq. Now to Avoid PayYq Interest m Patlaassc: YYe teem .vsessirp pariodk interest charge m a MnEYtlprl, te, a Inbrert cMrgelmm Yp dak Np wded m yartlally ba'anu un1J your AgouM k gold in Ids, az descnbw in your AcfAam Apnment. Your due dale vela W a mnimum d 21 days IdpeMp tlr dw d cant MIYnp uycb. Ym can avoid penaals Imeroat Magm m new wrtllees wMn lMy are %m: bind la a splemeM as tlnaiosd hahaw, DYt Mm dun rwt altpry m 0alanw uanskre, rash advawe a PAfdranadwnCe. h you IeCNYe a vetiver momhN StapmBirttMt include veer purtmeee era man a prymem mat w recehe oy tM tkp eve lima Me Minimum Payment b tlua mr Ihx ablemeM. w wiN red Wrpa pMadk interest an airy Don-~.on d thaw new pattmeen rive we aNxep corn pyment to, m Imp e t 1 your tortoni sptawnt a6o slows dial YR received paYrent d Tne mmillp bapnce 1dr yar envious moMh'e sppmem by IM wears Ume Ns Mphmlm Papoarl was due UR 2) Intl Upending Wkna G you opvaus mdndtY swenpnt re Rro. n you have a balance dhx thw a paeMse aMaa and Mrt balsa cxrka a hlghar penodk interest rate. you may not De ahk ro awo penodk inlelCt chaise m new Durchasn U ydu do wt Dry your babrla in lull cant momll, becauw we penaraltY a%oCale DaYnieam Nrot ro Sae Dapna w:M Me rgrvaM permalc imxet fah. IY'aat w G I/ Yw 1hYi yw Ra1 B YNWw M Ywr Bpparnt '~.l y0U lde lMn IB an xrer nn pwf spkmenl, WMO m UB Dn a sevxale Sheet m Customer SeMCe, P.0. Boa 15299 N9mkgoxl, JE 79~D6299: n your kites give a the toNYWinp imormdim: • Account Imormataon: Vour name ant AceoYM mpnber. • Onlbr amnunt:l he ddlar nmeum d pee auepecletl corer. • 00scriptlon d Problem: If you Mink Ines .t in error N your tpp, descn6E what you beYne k wrong and why you bmkve d is a mkbke. You must sumac[ us within 00 days albr Me erto' atapmnd on your sblemont Vw must mdly e d airy popmlM e•roro p vninng. You may tali n, tad It ynu do WB a7 red rlQYkw m Inre6'dpap any pOtenWl errpp and y01. may nary to pay the amoum In quebm. Nm%e we lrlYeadpat wntfher a not then race been as enor, the IOXO~Mnp are true: • We ranndtrym eaUeel the arnwnrlr gaMbn, cr ropnrtymu as dminqueM nn Ilwl xrwunL • Re Marge In puebm may remain on your splemem, alts we may com7noe to comae you inpre¢ on Uat amourt But ! we dekremne toot we mwe a misbze, you x111 rid Mw 1o WY Me ameum n apslien or arty barer a other ten relYted to Mat annum. • wnXe you do red saw to pay Me amoum m quesUm, you am resoonstok la IM remaiwer of you babnG. • We an appN airy mpaid amount apauwt your ncdt limit Von RIBIw N Yea M DpaeBeMi WIM has Qsrbt GM Ntelaws it ydu are dksanslied mM the pools pr servkes mr, you have pumiaased wren yon creAO rar4 and p:u nawtned in Dead pile to mrncttM pnmam wXh the merchant you may have me dent not ro IaN t4 reaminkp anount due on Me purdp9e. Tn use Mix ngM, aq d Me idurwMg mum ass tn:e t. IM pumMSe must have been made M yar home stale a venters 70o macs o' your sorer maNinp adtlaps, aIM me purdase oriu must nave ben neon Man 160. INOa: NeiFer d chase xo raecassuy if yqa purMase was t12rw m all idwrtpemwl[ as mailed t0 yW, Of %vp Over 1M Company Ina aUld yUa IM ItUOtltl 0r tlwwGCY.) 2. ynu must hoe uetl port credit can Ia1M auctpse. Purchase made with cash advances trap an ATM ar wim a clpol lMt acassec per cnMl a'tl Accoum do not:Mwdy. 3. urea moat not ym haw miry ndtl for Ile paMaze. If al al Ire orMM shove an me[ ant you are mrp dptawtktl wlm MB pumnase, con'acl a in vrMnp at Cuslorpr Serv ce, P.0. Box 15289 yNlm:nplon, OE 19850-5298: Wrik we Inwstgap, Me same rde app y ro ma mspuntl amoum a tltyclpaee above. Auer ore finish our iMkatpniat. we wall Ids you Oa eetlgon. At trot PDinl, n me ihhz yw uw an wnoum and you do trot pry we may report you az dellnquerU. MAr~)910t0 Statement Dale: 06/22110 - 07!21/10 Account Number: 4266 8411 6945 6561 Page 2 of 2 S 101p,T4taItYMhIO-~YYMt Total fees charged in 2010 S117.00 Total Interest charged in 2010 51.113.81 Year-to-date totals reflect all charges minus any refunds applied to your account on or after January 31, 2010. INTEREST CHARGES Your Annual Percentage Rate (APR) is the annual interest rate on your account. Anrwal Balance Accrued Balance Percentage Rate (APR) Subject To Interost Interest Type 30 Days In Cycle Interest Rate Charges Charges Purchases 1524%(v) 58,721.59 5109.24 50,00 Purchases 21.24% (v) 544.60 50.78 S0.00 Cash Advances 21.24% (v) 50.00 50.00 50.00 Balance transfer 15.24% (v) 510,035.09 S125.69 50.00 Balance transfer 21.24 % (v) 50.00 50.00 50.00 (v) =Variable Rate Please see Informatbn About Your Account section for the Calculation of Balance Subject to Interest Rate, Annual Renewal Notice, How to Avoid Interest on Purchases, and other important informatbn, as apptlcable. BLUEPRINT. FEATURE ACTIVITY NI HIT FINISH IT Payment Due: 50.00 Develop a plan to pay off all or part of your total credit balance by choosing a monthly amount or length of time by which you would like it paid off. FINISH IT - 04/2010 01 Dale Odginal Payment Payments Balance Orig. End Proj. End Enrolled Amount Due Remaining Remaining Date Date 04/09/10 59,597.73 50.00 34 $0.00 Feb 2013 Apr 2013 Payment Progroas (1 8733403 This Statement is a Facsimile -Not an original X 0000001 FI533338 L7 5 000 N 2 21 10i0712i Page 2 of 2 06598 M4 MA 04065 20210000050000406502 Cardn~~mber ~greemen$ CMA121G2 ACCEPTANCE OFTHIS AGREEMENT This agreornr.mt governs your credit card arcuunt with us referenced on the card carrier r.ontaininy the card fur this acr.ount. Any use of your account is covered hythis agreement. Plea sr. «!ad the entire agreement and keep it for your records. You authorize us to pay for and charge your ar.r:oun[ for all transartinns made an your account. Yuu prmni:;e to pay us for all transactions made on your account, as well as anyfues orfinance charges. II this is a joint account, each of you, together and individually, is responsible for paying all amounts owed, even if the account is used by only one of you. We may require that ynu pay thr. full amount owed without first asking the other persanjsl to pay. Please sign the bank of your card when you receive it.You will he bound bythis agreement if you or anyone authorized 6y you use your account for any purpose, even it you don't sign your card. Whethoryou useyour arrountornnt,youwillbo baundbythis ayroamenl unless you cancel your account within 30 days alter receiving your card and ynu hour. oat used your account ter any purpose. Throughout this agreement, the words "we",'Us' and "our" mean Chase Oank USA, N.A., the issuer of your credit card and account. The words "you", "your" and "yours" mean all persons responsible iorcomplying with this agreement, including thy. personwho applied Inr the account and the pursue to whom we address billiny statements, as well as any person who agrees to be liable un thy, arr.nunt.The word "card' means one or more r,ards or other access devices, such as account numbers, that we have issued to permit ynu to obtain cradit antler this agreement. USING YOUfl ACCOUNT Your account is a ronsurnur acroum and shall be usod only for personal, family or household purposes. Unless we agree or it is required by taw, wu will not be rrsponsihle tnf merchamdl5e Or SL'Nrl:CS purchasedor leased through use of your aceount. You promise to use your account only Inr valid and lawful transactions. For example, internal gambling may be illegot in soma plarrs. It is not our responsibility to make Burr, that you use your account only ter permissible transactions, and you will remain responsible for paying for a transaction even if it is not permissible nrcnntrmplated underlhis agreement. Types of Transactions: • Purclmsr.s: You may usr. your card to pay for goads or services. • Chucks: 1Ne may provide you cash advance chocks or balanca transfer chuclts as a way to use your acrount. We also refer to them in this agreement as a chock orchecks. You mayuse a chuck to pay for goods nr snrvices,totransferbalances tnyour arcnunt, ur for other uses we allow. But you may not use these chocks to transfer balances to this account Irom other accounts with us or any of our related companies. Only the parson whose name is printed on the check may sign the chuck. Cash advance cherks are treated as cash arvances and balance transfer checks are treated as balance Transfers except as noted in this ayreernont nr any offer we make to you. We may treat chucks that we calf convr.nienre chocks as balance transfer checks. However, chuuks Thal we call convenience r;hr.cks and that we indir.atnd to you are subject to the turns inr rash advanr.r.s, may be lrratrd as cash advances and assessed cash advance rates and Ines. • Balanr.r. Transfers: Ynu may transfer balances Irma ether accounts or loanswithother credit card issuers or other lenders to this account, or nthrr halanre transfers we allow. Bu[ you may not transfer balances to this account from uthrr arr.ounts with us or any of our rotated companies. II a portion of a requested balance transfer will exceed your available cradit line, we may process a partial balanca transfer up to your available r,redit line. • Crib Advmtces; Yuu may use your card to get cash Irom automatic trifler machines, or Irom financial institutions accuptiny the card; er to obtain travelers checks, foreign currency, money orders, wire Iransir.rs nr simtlbr cash•liku eharges; or[o obtain lottery tickets, casino gaming chips, race track wagers or for similar bectirty transactions. You may also use a third party service to make a payment an your behalf and bill the puymem lu this account. • Uverdrall Advances: If you have an eligible checking account with ono of our related banks, you may link this account to your checking account with our rotated bank to cover an overdraft nn that chrcking arcount Lnder the teens of this agruument anti your checking acrnum agreemant. Billing Cycle: In order to manage your acrount, we divide time into periods called "billing cycles".Each billing cycle is approximately one month in length. For each calendar month, ynu acr.ount will have a billiny cycle that ends in that month. Your acoount will have a billing cydo ending in each calendar month whrthrr or not theta is a billing statement fur that billing cycle. Authorized Users: If you allow someone to use your ecrount, that person will be an authorized uses You may request an additional card ter use by an authorized user nn your account. II you do so, this at:count may appear on the credit report of that a uthorized user. Yuu should Think canaully before allowing anyone to become an authorized user hnrausr: gnu are allowing that person to use the uccuunt as you can. You will remain responsible for the use of your ar.caunt and oath card issued on your ar.cnunt acrarding lu the terms of this agreement. This includes guru responsibility for paying all charges on your account made by an authorized user. You must notify us to terminate an authorized user's permission to use your account. li you notify us, we may close the accourttand/or issue a new card or cards with a different account number. You should also recover and destroy any cards, checks or any other means of acr.ess to your ar,count Irom that authorized user. Gedit Liut:: Your credit lino appears on your billing statements. We may also rater to the credit lieu as a credit limit. Your billing statement may also show that only a portion of your credit lion may be usod for cash advances. Cash advances, including cash advanca checks, are charged against the cash advance portion of your credit line, and all other transactions are charged against your credit line. 1'ou are responsible for keeping trar.k Page I of L' pf your account balance, including any fees and finance charges, and making sure ii remains below your crr.dit line. If your account balance is over your credit line for any reason, we may chanla ynu an ovrrlimit tun as described in this ayreement.VJe may, but are not «lquirrd to, authorizr. rhargrs that go over your r.rerlil lino. Ync must pay any amount over your credit lint., and ynu must flay us immediately if we ask you to. This agreement applirs to any balance nn your account, including any balance nvnr your credit line. At ourdiscretion, we may increase, reduce, or cancel your r.rrdt line,orthu cash a;tvance portion of your credit line, at any time. However, if you have asked us not u! !lo so, we will no[ increase your credit ling. A change to your rrrdit line will nut affect your ubliya!ion to pay us. International Transactions; International transactions inraude any a:msuctiun that you make in a foreign currency or that you make outside of thr, United States rd Anu:rir.a even if it is made in U.S. dollars. If ynu make a transaction in a foreign currency, Visr. International or MasterCard International, Inc., will convert the transaction into tl.S. dollars by using its respective currency conversion procedures.l'he exchange rte each entity uses to convert currency is a rate that it selects either Irom the rangy. nl rnir.s available in the wholesale currency markrts for the applicahln processing drat. iwldch rate may vary from the rate [ha respective entity itself received, er the govtbrmnent-mandated rate in effect on the applicable processing dale. Thu rate in effect on the applicable processing date may dilferfrom the rate on the date you usod your card or account We reserve the right to charge you an additional 3"/~ of the U.S. dollar amuum of any intrrnalinnal vansartinn, whr.lhrr that transartion was originally made in U.S. dollars or was made in another currency and converted to U.S. dollars by Visa or MasterCard. In either case, the 3"/" will bo calculated on the U,S. dollar amount prov!ded to us by that entity, The same process and rharges may apply it auy international iransartinn is reversr.d. Refusal toAuthuriznTransactions: Wu nury,but are not ren,uinxl u!, decline a uansaclion nn your account for any of the following reasons: • because of operational considnraliuns, • because your account is in default • if we suspect fraudulent or unlnwlul activity or, • in our discretion, tar any other raason. We arc not responsible for any losses it a transartion nn your account is declinn.rl for any reason, either by us or a third party, even tl you have sufficient credit availaL•In. Fnr online transactions, we nuty require that you rrgister your nrcount with nn authorization system that vde select. We will nobly you it we wan! you to regisur. If you do not register, we may decline your online transacliuns. Refusal u! Pay Checks: Each checkyouwrite isyour requestforfunds.VVhenvve rer.civc a check for payment, we may revievv your i!r.roum to decide whether to authorize !hat check. Wo may,but are nut required to, reject and return unpaid a chock for any reason, including the lollnwiny examples: • We or one of our related companies is the payee un the chet:k. • Your credit lino m' c;lsh advance portion of your cradit lieu has bate rxcr!udud, or tn~oulri be excreded it we paid the chnr,k. • Thn check is post-dated. II apost-dauadcheck is paid, «aulunn in nnuther check henry returned or not paid, we are not respensihle. • You have usod the check alter the date sperilird un it. • You are in default ur would be if wo paid the !:heck. Lust or Stolen Carrls, Checks or Acenunl Numbers: If any card, cluck, account numbul or other means to access your account is lost ar stolen, or you :kink sonu!mte usod nr may use thorn without your permission, yon must entity us at onto by rallir.g tttn Cardmember Snrvtce telephone number shown on your card or billiny statmm~n!, Oo ern use your account after you notify us, oven if your card, chick, account number nr rihnr means to access your account is found or ruUtnted, Wu may terminate or suspend gum credit privilr.ges whrn ynu notify us nl rely loss, thrift nr unauthorized usr. relator! to your account. You may be. liable if thorn is unauthorized use of your ar.rount Irom witir.lr ynu receivr! no benefit, but ycu will not 6e liable tar more than 550.00 of surh transactions, and gnu will not be liable for any such transactions made after you notify us of the loss, theft or unauthorized usu. Huvvovrr, you must identity for us the unauthoriz.od charges Irom which you received no benefit. We may requira you to provide us information in writing to help us lied nu!what happened. Wo may also requira you to comply with certain prnrrdurus in cunnui:tian wrth our investigation. PAYMENTS Payment Instructions: Your billiny statement and accompanying envelope include instnrelions you must follow for makiny payments and sots lurch the dale nett !inn by which wn, must receive the payment. You agree to pay us amounts you owe in U.S. dollars drawn un funds on dr:posit in a U.S. financial institution or thy. U. S. branch of a foreign linanrial instiurtinn usiny n payment check, money order or automatic debit[hatwillheprocessedorhonoredbyyourlinancial institution. Wo will not accept cosh payments. Your total availahlr, crr,dil ntay not he restored for up to 15 days alter we receive your payment. Any payment check or other form of payment which you send to us for loss than thy: hat balance that is marked "paid in full` or with a similar notation or that you otherwise u:ndur in lull salislaction of a disputed amount Icunrlitional paymnnlsl, must bo sent to us m thy. conditional paymnms address lish:d on your monthly statwnent. Wu reserve all our rights regarding such payments. For example, if it is determined there is no valid dispute er it any such payment is received at any other address, wn may accent the payment and you will still owe any remaininn balance. VJe may refuse to acr.ept any such payment uy rrauning it to you, not cashing it nr by destroying il. All other paymens that ynu make should he sans to the regular payment addrr.ss shown nn yew lnenthly s!atwnems. We reserve the right to electronically collect your eligible payment checks, at first presentment and any reprusentment, from the bank account on which the Check is drawn. Dur receipt of your p:ryment checks is your authorisation far us to collect the amount of tho check ulac(ronically, or, if neadud, by a draft drawn against the bank account. Payment checkswill be r.ollected nloclronicallybysondingthe check amount along with the check, routing and accourn numbers to your bank. Your bank accowtt may bo debited as early as the same day we receive your payment. The original paymr:nl check will be destroyed and an image will br, maintained in our rrr:ords. Minimum Payment: You agree to pay at leastthe minimum payment duo, as shown on your hilling stalamenL so that we receive it by the date and lima payment is due. You may pay more than the minimum payment rhra and may pay the full amount you owe us nt any time. If you have a halanrr: that is subject to finance chargus, [hr. sooneryoupay us, the lessynuwill pay in linan::e charges because finance charges accrue on your balance each day. Your hilling statement shows your hrginning balance and your ending balance Rhe 'New Balance" on your billing statemnntl. U the New Balance is S1D.DD ur less, your minimum payment duo will bu the Now Balance. Othanvise, it will bu the largest of the following: S10.00; 2°/a ui the Nevv fiolancr.; nr rho sum of 1`% of the Nuw ©al:u+ce, total billeri periodic rate finance charyes, and any billed late and ovr.rlimit funs. As pan of the minimum paynu:nt due, vve also add any amount past due and any anumm over your cru[lit lino. Payment Allocation: You agree the[ we are authorized to allocate your paymrnts and credits in a way Char is most favorable to or r.onvenierilfor us, For exempla, you authorize us to apply your pryments and credits to balances with lower t+PRs (such as promotional APRsI baton: balances with hiyhrr APRs. Credit Ralnnr.es: You may ruyuest n rotund eta credit balance at any time.V'Je may reduce the ammntt of any r.rr.rlir balnncn by the amount of new chargus ur taus billed to your account. Autanatic Charges: Ynu may nuthuri'r.r. a third party to autonmlically charge your ac c~untfor ropeattransactimts (Icr example, monthly utility chargus,menlburships and insurancr. prumiumsi. II au;nmatic charyes are stopped for any reasonlincluding because your account IS closed ur suspended for any reason) or your account number changes, you arr. responsiGlu fur notifying the hiller and paying [base charyes directly. If your account nurnher changes, we may, but are not required to, pay from your new account number charges that you authorized to be billed to your old nrrnunt uumbor. Promotions: From time to time wn may offer special teens for your account. It wu do, vve will notify you about the tunas of thr. offer and how Inng theywill be in effect. Any promotion is subjrrt to the terms ul this agreement, as modilied by the promotional alter. FINANCE CHARGES Daily Periodic Rates and Annual Percentage Rates: Your annual percentage rates ("APRs")and the corruspnnding daily periodic rotas are listed un the Rates and Fees Table that is at the end of this document or provided separately. To ,yet the daily periodic rate we divide the APR by 365, and in e(fert always round up nt the fifth place to the right of the decimal paint. Variable Rotes: One or more APRs that apply to your account mayvary wish changes to the Prime Rat«. When you have an APR [hat vnrirs with changes to the Primr. Rate, we calculate the AI'R by adding a margin to the Prime Rate published in Thr, Wall Srrrrr„ournal two business days before Ihu Glusing Date shown on your billing statement. The'Prime hate` is the highest (U.S.1 Primr. Rare published in the Money Rates section of The VVafl SrreerJournnl. If The Wall Street Journalstops publishing the Prime Ilate, wu will select n similar reference rate and inform you nn your billing statement or through a separate notice. A "margin" is the percentage we add to the Prime Ra[o to calculate Iha APR. A "business day" is any day that is not a weekend or lederal holiday. Thu Roles and Fens Tahlo shows which rates, if any, are variable rt[os. It also lists the ma« tin for each variable rate <tnrl any minimum riaily periodic rate and corresponding APR. Tvva husinr.ss days before the Closing Dato shown au your billing statement, we see what the Prime Rntn is. Wr. Ihen add thr. applicablo margin to Ihat Prime Rale to gut the APR. The daily periodic rate is calcul«tad as described above. II our calculation results in a change to a daily poriodic rate from the previous billing cycle because the Prima Rote has changed, the new rate will apply as of thr. first clay of your billing cycle. that nods in the calendar month in which we made the calculation. If the daily periodic rate increases, you will have to pay a higher poriodic financr. charge and may have to pay a higher minimum payment. DefauR Rates: Your APRs also may vary if you are in default under this agreement or any other ayranmrnt you have with us or any of our rulntad companies for any of the fallowing reasons: • We do not receive, for any payment that is awed ml this account or any other account or loan with us, at least the minimum payment due by the data altd lima due. • You exceed your credit line on this account. • You make a payment to us that is not honored by your bank. If anyo(these events occurs, we may increase the APRs lirtcluding any promotional APRI rat all balances )excluding overdraft advances) up to a maximum of the default rate stated in the Rates and Faos Table. We may consider the following factors to determine your default rata: the length of time your arrnunt has been open, the ezistance, seriousness and timing of the delaults on your ar.r,oum; other indications ut your account usage and performance; inlormation about your other relationships with us or airy of our related companies; and inlonnatian we obtain from consumer credit cupnrts obtained Irum credit bureaus. The rlufaul[ rate will take effect as of the first day ul the billing r.yr.le in which the rlrfauh ncr.urs. If wo decide not to increase your APR even though thuru is a default or ii wr. do nm increase your APR up to the maximum delault rata stated in the Rates and Fors Table, we reserve our right to increase your APR in the event of any future default. We may in our discretion determine to charge reduced default rates or reinslau: standard rotas for all or selected 6alancos on your account. Finance Charge Calculation -Average Daily Dafance Method (Including New Transactionsl: We calculato periodic tinanca charges separately for each belancr. associated with a different category of transactions flat example, purchases, balancr. transfers, balance transfrr checks, cash advances, cash advance checks, overdraft advances, and ea ch promotionl. These calculations may combine dirferenl categories with the same daily poriodic rates. This is how it works: We calculate periodic finance charges for purchases, balance transfers, balance transfer checks, cash advances, cash ndvanca checks, and overdraft advances b'/ muhiplyiny the daily balance for each of those categnrius by the daily poriodic rnr, for each of those catogories, each day. Ynu may have overdraft advances only if you have linkrrl this account to a chocking ar,cnunt with one of our catered hanks. We calculntu the poriodic linance charges torpurchasny, balance transfers, balance transfer checks, cash advances, and cash advance chucks subject m o promotional raL the lama way, but wn use the prmnolinnnl rata. To got the daily balance for eachdaylor ear.h category • We take the beginning btdanca far that day. • We add to that halancn any ^L'VJ tranyaCtIUOS, fang, other cha«iey, anti uelut adjustments that apply to that category. We add a now purchase, casl~ advance. balance translur or overdraft advance, if applicable, ro the daily balance as of the iransartinn date, or a later date of our chrice.UJo add a Wray rash advant:e rher.k or balance transfer check to the daily balancr. as of the dale the ;ash atlvnnr.r. check or halancn transfer check is deposited by a payee, or a later dote ni our choice. • We subtract from [hat balance any payntunts, crudity, nr credit adjuslnu:nts that apply to that category and that are credited as of that day. • Vde treat a credit halanue as a balance of tare. To yet the beginning halanr.r. for each cntr.gory for tht: next day, wu add tltu daily periodic finance charge to the daily balance. II morn than one daily periodic rata could apply to a category because the rata lur the category may vary basod on the amount of its average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the and nl the hilling ryrle to r.alr.ulale the daily periodic finance charge each day. This agrettntent provides for daily compoundiltg of finance charges. To get the total poriodic finanr.e charge: for rho billing uyrlu, wr, add all of thr. daily periodic finance charges for each cutognry fur each day during that billing cycle. Howuvor, it any periodic finance charge is due, wa will chanln you at mast the minimum periodic tinanca charyu stated in the Rates and FeusTable. II d Is nucussar/ to add an adrlitinnal amount to roach the minimum finance chargt:, wu :old that amount to the balance for purchases made during the hilling cycle. The tatnl financr, charge on your ar.rount fur aitilliny cyrln will hr. ihr. sum of flu: poriodic finance charyes plus any transaction ine finance charges. Foreach cau:gnrywr. calculate anaverage dailybalanre(includingnrwtransartinns) for [he billing cycle fry adding all your daily balances and dividing that arneunt by the number of days in the billing cycle. If you multiply the average daily balance ter a cuteyorybythaapplicablo daily periodic rate, and multiply the resultby the number of days in the billing cycle, tllc LUIaI VJIR L'llUaf the paflndlC IlnarlCC ChafgL`5 Inc that helanra attributable t« the[ billing ryrlr., rxrr,pt Inc minor variations clot. In roucrliny. Grace Period andAcenrnl of Finance Charyos:Ule accrue periodic tinanca charger onntransac[ion, fre, arfinanre charge Iromthadateit is addt:d toynurdailyhalanr.r. until payment in full is recelvetl on your account. Hnwuver, wo do r.nt chnrgu periodic linance charges on new purchases billed during a billing cycle ilwe recaivu payment ut your New Balance by the date and time your minimum payment is due and wo n:r,eivud payment of your New Dalancn un your previous billing sunumunl by Ihu date and lima your payment was due. This exception or "grar.e period"applies only to purchases and does not applytu balance transfers, balance translur char,Ics, cash advances, cash advance checks or overdraft advances, it applicable. Transaction Feas IorCash Arlvancns: We may charge gnu a cash arJvuncn Ir. r. in the amount statrrd in the Rates and Fees Taber. for cash advanr,n checks and cash advances. In addition, if you use a third party service to makr. a payment nn your behall and Ihu service charges the payment lu this account, wu may uhtugu a lransactiun tau for the payment. These transaction taus are tinanee charges. We add rho fun to the bal:utce for the colored category as of the transaction date of the cash advance. For example, a transaction fee for a cash advance would hr. added to your cash ndvanca bnlence. Transaction Fecs for Oalance Tmnsfers:N/u may charge you a halancn translar feu in tltn amount stated in the Rntus and Fuus Tahla for balance transfer r,herks and balance transfers. These Irnnsnction fres arc tinanca charges. We add the tea ro the halanrr. ter thr, related category as of the transaction date of the halancn transfer For example, a transaction fee for a balance transfer would he added to your balance transfer belartce. OTiIER FEES AND CHARGES We may charge the following fans. The amounts of these foes are listed in the Rates and Foes Table. These lees will be added to the balanr.e Inc purchases merle durin« the billing cycle. Amtual Membership Fer. II your account has en annual membership feu, it will bu billed each year or in monthly installments lay statod in the flares and Feos Tahlr.l, whether or not you use your account, and you agree to pay it when billed 1'hr. anm~al Page 2 0(G CMAI Y762 membership fen is non•rehtndable unless you notify us that you wish to close your account within 30 days of the date we mail yourhilling statement nn which the annual membership lee is charged and at the same time, you peyyuur outstanding balance, in full. Your paymem of the annual membership Ice does not affect our right to close your accowu nr limit ymrr right to make transactions on your account. li your account is closed by you or us, we will continue. to charge the annual mernbnrship fen until you pay your outstanding balance in full and terminate your account rolatinnship. Late Fee: If wr. do not receive at Icasl the required minimum payment by rho date and [iron it is due as shown on your billing statement ter any billing cycle, we may charge the late fee sltuwn in the Rates artd Fees Toble. If the late fee is based on a balance, we ralculato the. late fee using the Previous Balance on the current month's s[atemmtt that shows the Iola Ine. This balance: is the same as the New Balance shown on the prior month's statement for which wo dirt not receive at least the required minimum payment by the date and time it was due. Ovarlimit Fee: II your account balance is over your credit lino at any time during a billing cycle, even it only for a day, we may charge an nverlimit fee. We may charyn this the even if your balance is overthe r.rrditline because of a finance charge orfeewe imposed or a transaction we authorized. We wilt not charge more Than one nvnrlimit fee for any billing cycle. Rut we may charyn ten overlimit fee in subsequent billing cycles, oven it no new transactions are made nn your acr:ount, if your account balance still is over your credit line nt any time during the subsequent Itllhllg CYCICS. Return Payment Fee: If (a) your payment check or similar instrument is nut honored, (bl an automatir. debit or other r.Iertronic payment is rcuuned unpaid, or (r,) we must return a payment check because i1 is not signed or cannot he prnr.ossed, we may charge a return payment fen. Return Check Fee: II (al we stop payrnnnt on a cash advance chick or hnlance transfer chuck at your rnqur.st, nr (bl we rehrso to pay a cash advance check or balance transfer e.heCk, NJe ^lay ChBfy L' a fell!I'!1 check IL'L'. Administrative. Fees: If you ~ ryuesl a copy of a billing statement, sales draft ar other record of your account or if you request two or more cards or any special services (for example, obtaining cards nn an expedited basis), we may change you fur these services. tlowover, we will no[ charge gnu for copies of billing statements, sales drafts nr similar documents that you request for a billing dispute you may assert against us under applicable law. We may charge, for any services listed above and other services we provide, the lees from time to time in elh:ct when wu offer the service. DEFAULT/COLLECTION We may consider you to be in default it any of These occurs: • We do not receive at lease the. minimum amount due by the date and Lima dun as shown on your hilliny statement. • You exceed your credit line. • You tail to comply with the terms of this agreement or any agreement with one of our related r.ompanies. • We obtain information that r,auses us to believe that gnu may he unwilling or unable to pay your debts to us or to uthr.rs on time. • You file for bankruptcy. • You hrcome incapacitated or in Ihu event of your death. If we consider your account to be in drtault, we may close your accountwithout notice and require you to pay your unpaid balanue immediately. We also may require you to pay interest at the rate of two percent 12%) a momh on the unpaid balanr.e when wu doom your account to be six or more hilliny cycles post due. To the extent permitted by law, if you are in default because you have failed to pay us, you will pay our collection costs, attorneys' fees, court rests, and ell othr.r expenses of enforcing our rights under this agreement. CLOSING YOUR ACCOUNT You may r.lose your account at apy time. If you call us to close your account, wn may reyuiro that you confirm your request in writing. We may close your accnwtt at any lima or suspend your rrodit privileges at any limn for any reason without prior notice except as required by applicable law. If we close your account, we will not be liable to you for any cnnsequoncrs rr.:;ulting from closing your account or suspending your r.rodit privileges. II you or we close your account, you and any authorized users must immediately stop using your arcnunt and destroy all cards, checks or other means to access your account nr rMUrn them to us upon request. You will continue to be responsible for charges to your account, oven it they arr. made ur processed abet your account is closed and you will be required to pay the outstanding balance on your accautt arrnrding to the [arms nl this ayreument. In addition, to the extent allowed by law, we may require you to pay the outslanrliny balance irnmr.diatoly or at any time after your account is elnsrd. AIiDITRATION AGREEMENT PLEASE READ THIS AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY DE RESOLVED BY DINDING ARBITRATION. ARBITRATION REPLACES TI1E RIGHT TO GO TO CUURT. YOU WILL NOT DE ABLE TD BRING A CLASS ACTION OR OTHER REPRESENTATIVE ACTIOPJ IN COURT SUCH AS THAT IN TI1E FORM OF A PRIVATE ATTORNEY GENERAL ACTION, NOR WILL YOU BE ABLE TO BRING ANY CLAIM IN ARBITRATION AS A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. YOU WILL NOT BE ABLE TO BE PART OF ANV CLASS ACTION OR OTHER REPRESENTATIVE ACTION BROUGHT BY ANYONE ELSE, OH BE REPRESENTED IN A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. IN THE ABSENCE OFTHIS ARBITRATION AGREEMENT, YOU AND WE A9AY OTHERWISE HAVE HAD A RIGHT DR OPPORTUNITY TO BRING CLAIMS INA COURT, BEFOREA JUDGE OR JURY,AND/OR TO PARTICIPATE OR BE REPRESENTED fN A CASE FILED IN COURT DY OTlIERS (INCLUDING CLASS ACTIONS AND OTHCR REPRESENTATIVE AC7lOrJS). OTHER RIGHTS THAT YOU WOULD HAVE IF YoU WENT TO A COURT, SUCH AS DISCOVERY OR THE RIGHT TO APPAL THE DECISION MAYBE PADRELlMITEO EXCEPT ASOTHERWIS~PROVIDEDBELOW,THOSERIGHTSAREWAIVED. Dinding Arhilratinn. This Arbitration Agreement is made pursuam m a rransacuon involving intorstatn commerce, and shall be governed by and hr. enlorcoable untlur the Federal Arbitradon Acl (Ihc "FAA'), 9 U.S.C. 41-16 as it may hr. amnndrd. This Arbitration Agn:rnrtn~. Bats forth [he circumstances and procedures undrrwhich claims las rielined belatvi may be resolved by arbitration instead of being litigated in court. Parties Covered. For the purposes of this Arbitration Ayremnnnt, "x~c`, "us",and "our' also includes ourparent, subsidiaries, affiliates, licensees, prerlacossors, successors, assigns, any purchaser of your Account, and all of their officers, directors, employees, ayems, and assigns or anyandallof [Item.Addiumtally,'we", "us"and"uur'shall include any;hurl party providing hrnufils, survir.es, ar produrts in cnnnrction with the Acrmnu (including but not limited to credit bureaus, merrhants that accept any r.rrdit device issued under the Account, rewards programs and enrollment services, credit insurance companies, debt coUoctors, and all of their officers, directors, employees, agents and representanvesl if, and only il, such a third pony is named byyou as a co-defendant in any flaim gnu assr.r! against us. Claims Covered. Either ycu ur wu may, without the other's consent, elect nlandautry, binding arbitration nl any rlaim, dispute er rnntroversy by nigher yr.u or us against the other, or against the employees, parents, subsidiaries, affiliates, beneficianrs, agents n! assigns of the other, arising from or relating in any way to [he Cardmrmhur Ayraentent, any prior Cardmurnber Agreement, your credit card Account or Ihu aavurtisiny, application nr approval of your Account ("Claim"). This Arbitration Ayrr.rrnrm govr.rns all Claim::, whether such flaims are based nn law, statute, con!ract, regulation, ccrlinan::e, lo,^,, common law, constitutional provision, or any legal theory of law such as ruspontleat superior, or anyotherlegalorequitabteground andwhnthnr such Clanns suck as remedies money damages, penalties, injunctions, ur declaratory nr nyuitahlc relief. CL•tims subjer.; to this Arbitration Agreement iucludu Claims regarding the a pplicattility of this Arhi;ratinn Agreement orthe validity of the entire Cardrnemher Agreement or any prior Cardmemher Agreement. This Arbitration Agreement includes Claims that muse in the past, or „rise in the present or the lulure. As used in [his Arhilratinn Ayroement, the term Claim is ut be given the broadest possible meaning. Claims suhjectro arbitration include Claims that err, made as counterclaims, cross claims, third party rlaims, IOIC(pIL'adCrS nl nlhCrwlSL', and a party who initiates a prnr,r,rdiny in court may elect arhitratinn with rrspoct u! any such Claims arlvancrd in the lawsuit by any party or pa«ies. As an oxoeption to this Arbitration Agreement, you retain the right m pursue in a small claims court any Claire that is within that court's jurisdiction and proceeds on an individual basis. If a party elects to arbitrate a Claim, rho arhitratinn will he r.nnduclod as :tn incii~~idual action. fJeither you nor we agree to any arbitration on a class ur repn:sumativr. basis, and the arbitrator sh;al have, nn authority to prncnnrl nn sucft basis. This means that Itvrn it a class action lawsuit or other representative action, such as that in the innn of a private atlornoygenorol action, is tiled, any Claim between us related to the issues raked ut sur.h lawsuits will be subject to an individual arhitratinn claim it either you or wa su elect. No arbitrotioh will be consolidated with any other arbitration proceeding without the consent of all parties. 1'he only Claims thnl may be joined in an individual action under this Arbitration Agreement are 11} those brought by us against you and any co•applir.ant, joint cartlmomher, nr authorized user of your Ar.count, nr your hairs nr your trustee in bankruptcy or (2) those brought by you and any ce•epplicant, joint canlmember, ar authorized user of your Account, or your heirs or your trustee in banknrptry against us. Initiation of Arhilratinn. The party filing a Claim in arbitration must choose one nl the following two arbitration administrators: American Arbitration Association; or National Arbitration forunt.l'hese administrators arc independent Irom us. The adminis!ratur anus not conduct the arbitration. Arbitration is conducturl under the nrlrs ut the srlecu;rl arbitration administrator by an impartial third party chosen in accorrlanee with the rules of the selected arbitration administrator and as may be provided in this Arbitration Agreement. Any arbitration lu:ariny that you attend shall be hold at a place chosrtn by the arbitrator or arbitration administrator within Ihu luderll judicial disUir.! in which you reside of the time the Claim is tiled, or at some other place to whir.h ymr and wl::Ignut in writing. You may obtain rnpios of ihr, current rules nl each of the Iwo arbitration administrators, infonnatinn about arbivatior and arbitration fees, and instructions Ire initiating arbitration by contacting the arbitration administrators as follows: Amorioan Arbitration Association, 335 Madison Avenue, Boor 1D, New Ynrk, Nl' 10017.4605, Web site: www.adr.org, 8D0-778.7879; mr National Arbitration Forum, P.0. Box 5D191, Minneapolis, MN 55905, tA~eb site www.arbitration•forurn.com, 800.979.2371. Procedures and law applicable in arbitration. A single, neutral arbitrator will resolve Claims. The arhitratorvrill either bo a la~nryenvith at least ton years experience m a iau«:d or loaner judge. Thu arbitration will be conducU:d under the applit:nhlr. prnrrrhurs amt rules of the nrhitration arJministraror that ern in r.Hect nn the date the. arbitration is filar' unless those procedures end nrles are inconsistent with this Arbitration Agreement, in which ease thisAyreementwill prevaif.These procedures and rules may limiuha amoum of discovery available to you or us. Thu arbitrator will apply applicable substantive law consistent with the FAA and applicable statutes nl limitnlinns, and will honor r.laim:; nl privilege recognized at law, You may rhoose to have a hearing and hr, reprnser.md by counsel. Thu arbitratorvdill take reasonable steps to protect customer Account inlormalimt and other confidential information, including the use of protuctivo orders to prohibit disclosure outside the arbitration, if requested to do su by you ur us. Tlla arhilratnr will have the power to award In a party any damayrs mr other relief provided for unrh!r applicable. law, and will not have the power to award relief to, against, m for the benefit of any person who is not a pa«y to the proceeding. If the lava authorizes such relief, the arbitrator may award punitive damages or attorney lees.'fhe arbitrator will make any award inwriling but need not provide a statement of reasons unless raqucstr.d by a pony. Upon a request by you ar us, the arttitrarnr will provide a brief statement of the reasons for the award. Costs. We will rrimbursc you Ine the initial arbitration tiling Ir.e paid by gnu up Ir, the amount of SSDO upon recr.ipt of proof ai payment. Additionally, it there is a hearing, ere Page 3 ct f CMA12762 will pay any fees of the arbitrator and arbitration administraror for the lust two days pf [hat hearing. The payment of any such hearing fees by us will be made directly to the arhirration administrator selected by you or us pursuant tb this Arbitration Agreement. All other apes will be allocated in keeping with the odes of the arbitration adntinis[rator and applicable law. However, we will advance or reimburse tiling tees and uther'Ioes if the arbitration administrator or arbitrator determines there is good reason for requiring us to tlo so or you ask us and we determine there is good cause for rloiny sn. Each party will hear the axponsp of the lees and costs of that party's attorneys, experts, witnesses, documents and other expenses, regardless of which party prevails, for arbitration and any appeal (as permitted below), except that the arbitrator shall apply any applicable law in determining whether a party should recover any nr all foes and costs from another parry. Enforcement. finality, appeals. Failure or any delay in enforcing this Arbitration Agreement al anytime, or in connection with any particularClaims,will not constitute a waiver of any rights to require arbitration a[ a later time or in connection wish any other Claims. Any decision rendered in such arbitration prbceetling will be final and binding on the parties, unless a party appeals inwritiny to rho arbitration organization within 30 days ul issuance of rho award. The appeal must request a new arbitration hrfnre a pannl of three neutral arbitrators designated by Ihu same arbitration organization. Thu panel will reconsider all lachral antJ legal issues anew, lnllovv thr. sarnenrles that apply to a prpceeding using a single arbitrator, and make derishnis basnd on the veto of the majority. Each party will hear their own lees, costs and expenses ipr any appeal, but a party may recover any or all loos, costs and expenses trorn annrher piny, if the majority ul Ihu panel ut arbitrators, applying applicable law, sp determines. An awardin arhirration will hr. enforceable as prnvidatl by iha FAA or other applicable la~n~ by any court having jurisdiction. Severahility, survival. This Aritration Agrromrnt shall survive: (i) termination or changes in the Cardrnembar Agreement, thr. Account and the relationship brlween you and us concerning the Account, such as thr. issuing of a new account number or iha translening of the balance in the Acl:uum to another account (ii- the bankruptcy of any party or any ;similar proceeding initiated by you or on your behalf; and (iii) payment of the debt in toll by you or by a third party. II any portion ^f this Arbitration Agreement is deemed invalid or unenforceable, the rmnaininy portions shall nuverthetess remain in force. CHANGES TO THIS AGREEMENT We can change this agreement at anytime, regardless otwhetheryou have accnss to yolrr account, by adding, daletiny, or modifying any provision. Our right to add, delete, or modify provisions includes financial terms, such as the APRs and fees, and other terms such as the nature, extent, and enforcement of the riyhls and obligations you or we may have relating to this agreement. Modilicatiuns, additions, or deletions are called "Changes" or a "Change`. We will notify you of any Chanyo if required by applicable law. These Changes may 6e eNective with notice only, at the time stated in our notice, in accordance with applicable law. Unless we state otherwise, any Change will apply to the unpaid balances on your ar,count and to new transactions. The notice will describe any rights you may have with respect to any Change, and iha consequences it you do or do not exorcise those rights. For example, the notice may state that you may notify us in writing by a specilierl dale it you do not want to accept certain Changrs wr, are making. It gnu notify us in writing that you do not accoptthe Changes,yourar.r.ountmaybe closed (if it is not already closedlandyou will bu obligated to pay ypur outstanding balance under the applicable turrns o1 the agreement II you do not notify us in writing by the date stated in the notice, or it you notify us but then use your account after the data stated in the notice, you will bu deemed to accept all Changes in rho notice and to accept and confirm all terms of your agreement and all Changes in prior notices we have snot you regardless of whether you have access to your account. CREDIT INFORMATION We may periodically n:virw your credit history by obtaining information from credit bureans and others. We may report information ahour you and your account to credit bureaus, including your failure to pay us on time. II you request additional cards nn your account for others, we may report account information in your name as well as in rho names of those other people. It you think we have rnported inaccurate information to a credit bureau, you may write to us at the Cardmemhrr Service address listed onyour billing slatpmant. Please include ynur name, address, account number, telupfmno number and a brie( description of the problem. II availahlr., plr.ase provide a copy of the rrrrlit bureau rupnrt in question, We will promptly investigate the matter and, it our investigation slrnws that you era right, we will contact each credit bureau to which we reported the information and will request thug correct the report. If we disagree with you otter our investigation, we will tell you in writing or try telepltoltn. We will also notify flirt credit bureau that you dispute rho information unloss you tat us know that you nn longer dispute the information. NOTICES/CIJANGE OF PERSONAL INFORMATION We will sand cards, billing s[alarnenls and other nolicos to you a[ the address shown in our tiles. Or, it this is a joint account, wr. can send billing statements and notices to any joint account holder. IJotice to one o1 you will be considered notice to aR of you and all of you will remain obligated on tlla account. It you change your name, address, or Ilume, cellular or business telephone number or email address jil you duct to rer.eive billing statements or other nolicos online), you must notify us imrnodiateb/ in writing at the address shown on ynur hilliny statement. We retry, at our option, arcepl mailing addn~ss currectinns from the United States Postal Service. VJu may cmuact you ahour yrnn account, indudiny for customer service or collection, at any address or telephone number as wallas any cellular Telephone number you provide us. TELEPHONE MONITORING AND RECORDING Wr„ and if applicable, our aynnts, may listnn to and reeurd your telephone calls with us. You agree [hat we, and if applicahlr., our agents, may do so, whether you or we initiate the telephone call. INFORMATION SHARING You authorize us to share certain information about you and your account within our family of companies, and with others nutsirlo nor family of companies including nny cpmpany or organization whose name or mark ntay appear on the cards, as perntincd by law. Our Privacy Policy, which is provided to yorr when you first receive an agreement and at toast once each calendar year thereafte , describes mrr infnrmaliun shoring practices and the choices you have and diroctinns you may yivr. us abnw our sharing of information about you and ynur account with r.nmpanirs or organizations within and outside of our family of companies. ILLINOIS CARDMF.MBERS Illinois law provides that we may not share information about you with cumpani;r,;' or dthrr organizations outside nl our family of rnmpanirs unless you authorize the disclosure or unless the disclosure falls under another exception in the law (such as sharing inforrnalion to process your transactions or in response to a srrblroella). '/nu hereby agfL'L' that, II yon l'ImpSe r1Ut (n eXL'f1a5e the apphceblo opt out described in our Privacy Pnliry, you will br. doomed to havr, authorized us to share puFsnnal information we have about you (including ininrmation relatedto any afthu products or services you may have with any of our companies) with companies or other organizations outside of our family of cortlpanirs. ENFORCING THIS AGREEMENT Wa can delay enforcing or not entorr.e ary of our rights under ibis agrormpnl withnm losing our right to enforce them in the future. It any of the hrnns of this agreement are found to be unenforceable, all other terms will remain in hrll lorcr.. ASSIGNMENT We may assign your ar.count, any amounts gnu uwc us, nr nny nl our riyMs and obligations under this agrermrm to a third prlrty. Thu parson to whom we make Ihr. assignment will be enliUod to any of our rights that we assign to that person. GOVERNING LAW THETERMSAND ENFORCEMENTUFTHISAGHEEMENTANDYOl1RA000tJN'iSliAll. 8E GOVERNEDAND INTERPRETED IN ACCORDANCE. WITH FEDERAL tAW ANO,TD THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD TO CONFLICT•OF-LAW PRINCIPLES. THE LAW OF DELAWARE, WHERE WE ANU YOl1R ACCOUNTARE LOCATED, WILLAPPLY NO MATTER WHERC YOU LIVE OR USE THEACCDUNT FOR INFORMATION Ploaso call the Cardmember Service tulephono number on your card nr billing statement it you have any questions about your account or this ayreemem. YOUR BILLING RIGHTS Iteep This Noticr. Fnr Future lJsc This notiro contains important information about ynur rights and our rr.spmnsihilities under the Fair Credit Billing Act. Notify Us In Case 01 Errors Or Olrrstinns Alrnut Ynrrr Bill It yorr think your bill is wrong, or it you need more information about a transaction onyour hill, write us on a sr.paratr. shut at the Cardmrmhcr 5rrvice address shown onyour billing statrmerit. Write to us as soon as possibin. We must hoar Irom you no later than 6U days after we sent you iha first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your riyhls. Irt your letter, yiva us the following information: • Your Home and account number. • The dollar amount of iha suspected error. • Describe the en'or and oxplain, it you can, why you believe there is an en'ur. II you Head more inlorrnelion, describe thn item you am nut sore about. H you have authorized us to pay your crr,rlit cool bill automatically Irom your savings or chocking account, you can stop lhr. payment on any amount you think is wrong To stop the payrnunl your totter mull reach us at least Three business days 6t:fnrr: the automatic paymmtt is scheduled to occur. Your Rights And Our Responsibilities Attar We Receive Your Written Notice We nmst acknowlerlgo your letter widtin 30 days, unless we havr. corrected Ihu error by than. Within UO clays, we must either r.prrecl the error or oxplain why wu believe the bill was r.orruct Attar we recrivr. ynur letter, we cannot try to collect any amount gnu qurstinn, nr report you as delinquent. We can continm: to bill gnu for the amount you question, including finance charges, and we can apply any unpaid amount against your credit lino. You do not have to pay any questioned amount while wo are invpsligating, but you are still obligated to pay Iha parts nl ynur bill that arc not in question. II wo find that we merle a mistake onyour bill, you will not have to pay any finance charges related to any questioned amount. Ii we didn't make a mistake, you may havr. to pay finance chargns, and you will have to make up any missed paymr.nrs nn the questioned amount. In either case, we will send you a statr.mont at lho amoum you owe and the date that it is due, If you tail to pay the amount that we think you owe, wr. may report you as delinquent. However, it our explanation does not satisfy you and you write to us within 1D days telling us that you still refuse to pay, we mlrst tall anyone wo report you to That yorr have a question abuuryour bill. And, wp must tell you the narnu ul anynnr, we rrpnned you to. We must tell anyone wr. report you to that the matter has hnr.n settled herwren us when it finally is. II w2 rlnn't follow these rulrs, we r.an't rnllerl Ihr, first 55U.OU nl iha questinnr.ri amount, even it ynur bill was correct. Spr.cial Rules (or Credit Cnnl Purchases Pogo 4 of 6 CNtA12761. II you have a problem with the quality of property or services that you purchased with a credit card„and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amomtl duC on the property or services. This right does not apply to check transactions. There arc two limitations on this right (a) You must have merle the purchase. in your home state or, it not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than S50.00. These limitations do nol apply if we own or operate the merchant, or it wo mailed you the advertisement lorthe property or services. Copyright ©2007 JPMorgan Chose & Co. All rights reserved. Page 5 0l E CMA12762 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to unsworn falsifications to authorities, that he is Juan V. Montemayor (Name) Assistant Treasurer of Chase Bankcard Services, Inc. , a subsidiary of the (Title) (Company plaintiff herein, that maintains the records for and services the credit cards accounts owned by plaintiff and he 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 knowledge, information and belief. ( 'gnature) SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff OFF C F F Tk : r f3EFF -OFFICE OF THELPROTHONTARY Jody S Smith Chief Deputy Richard W Stewart Solicitor 1010 DEC 10 PM 1: 33 CUMBERLAND COUNTY PENNSYLVANIA Chase Bank USA, N.A. vs. Case Number Kathy J. Souders 2010-7247 SHERIFF'S RETURN OF SERVICE 11/24/2010 09:40 AM - Stephen Bender, Deputy Sheriff, who being duly sworn according to law, states that on November 24, 2010 at 0940 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Kathy J. Souders, by making known unto Charles Williams, adult in charge at 125 Heron Way, Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same time handing to him personally the said true and correct copy of the same. STEPHEN BENDER, DEPUTY SHERIFF COST: $33.40 November 29, 2010 SO ANSWERS, RON ~ R ANDERSON, SHERIFF ;cj CountySulte Shentt. I elecsctt, ox Dec. 8. 2010 7:52AM No.3339 P. 2 of THE FRO THpNMRY 2gl I JAN ? 4 a IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA,, N.A. PW"dff No.10-7247 vs, STE DXATM OF TIE PART= FOR PAYMENT AND FOR T= E19'!'ftY OF JUDGNMW BY CON$ENPI' KATHY J SOUDER.S Defends t FILED ON BEHALF OF Plaiatill° COUNSEL OF RECORD OF TWS PARTY: Matthew D Urban, Exp*c PA I.D. #90963 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Sovonth Avenue Pittsbwgb, PA 15219 (412)434-7955 WWR#09733403 $19375.61 0. ??* a63 a Dec. 8. 2010 7:52AM No. 3339 P. 3 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. KATHY I SOUDERS Defendant TO THE PROTHONOTARY: Civil Action No. 10-7247 Kindly enter Jadpwo apinst Defendant, Kathy J Souders, in the mount of $19375.61 phu costs, bled upon the consent of the parties. CONSENTED T0: WELTMAN, WEINBERG & REIS CO., L.P.A., By: Attorney for PWndff KATHY J SOUDERS, By: Defendant WWROM8733403 Dec. 8, 2010 7:52AM IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, FWNSYLVANIA CIVIL IXV ISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No. 10.7247 KATHY J SOUDERS VrEULATION OF THE PARTED FOR PAYMl1W AND FOR THE Z?rMY OF JUDCMEIff BY CONSENT TO THE PROTHONOTARY: No. 3339 P. 4 Kindly enter Judp wm is favor>of Plaintiff and against the Defendant, Kathy J Souders, sbovernowd, in the amount of $19375.61 pummW to die Stipahtt w of the Parties for Payment and for the Entry of JudpsMnt by Cotaettt, as follows- I . Defendant admits indebtedness to Plaintiff in the amount of $19075.61 with continuing interest dwwn at a rate of 6% per annum from December 6, 2010, plus attorneys' fees in the amount of $300.00 and costs. 2. To secure the repayment of said indebtedness„ Defendant agrees that Judgment by Consent will be entumod in fgvor of the Plaintiff and against the Defendant, Kathy J Satden, in the amount of $19075.61 plus continuing interest thereon at the rate of 6% per annum from December 6,20 10, plus attorneys' fear in the amount of $300.00 and costs, 3. Plaintiff ag row not to Execute on its Judgment so long as Defendant causes to be delimod to Plaintiff the following payments in full by 12:00 NOON on the following dates: (a) $380.00 due by January 3, 2011; (b) no less than $380.00 due by the 3rd of each consecutive month thoregtter until balance i$ paid in full. Dec. 8. 2010 7:52AM No. 3339 P. 5 4. All payrme o are to be made payable to the mler of "CHASE BANK USA, N.A." 5. The flrst payment due under this amt is to be received at the of1'Ices of Woltman, Weinberg & Reis, Co., L.P.A., 436 Seventh Avenue, Suite 2718, Pitaburgh, PA 15219. All f ttem payments are to be entailed to the offices of Weltmasa, Weinberg & Reis, Co., P.O. Sox 5430, Cleveland, OH 44101-0430. 6. In the event of deft 1t, each payment received shall be first aftributed to co" Interest and then to principal. 7. Timm is of do one= of this sgroement and should the Defendant fail to have in the hands of Plaintiff or plsinW$ counsel any payment in fall within five (5) calendar days of the stated due daK than Plaintiff shall be immediately free to issue Execution as well as pursue all other remedies, in law or in equity, to collect the fbll bsisnce of the 7uspent entered hereunder plus appropriate additional interest and costs. S. No act or omission of the Plaintiff, nor of anyone alleged to be acting on its behalf, shall constitute s waiver, estoppel, or my odi* wcem for non-performance of any duty under al m by the Defatdant in dds Stipulation which the parties agree is final and complete. 9. Intending W W legally bound, the parties set their hands and seals this y of ^? 20 VO WELTMAN, WENBERG & REIS CO., L.P.A. L? BY: Matthew D Urban, Esquire PA I.D. 1190963 WELTMAN, W13INBERG & REIS CO., L.P.A. 1400 Kopper Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 4347955 W WR#08733403 ?y Defendant, Kathy Dec. 8. 2010 7:52AM IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No. 10-7247 KATHYJSOUDERS X71 r._71 Kathy J Souders 125 Heron Way Carlisle, Pa 17013 NOTICE OF JUDONMNT OR DER TO: ( ) Plaintiff (xx) Defendant ( ) Garnishee You are hereby notified that the following Order or Judown was entered against you on (xx) Asstmrpsit Judgment in the amount of S 1937S.61 plus costs. ( ) Trespass Judganent in the amount of S plus costs. No. 3339 P. 6 ( ) If not satisfied within sixty (60) days, Your motor vehicle operaWs license and/or r ion will be suspended by the Depertittent of Tmsportatlon, Bwranu of Traffic Safety, Harrisburg, PA. (xx) Entry of Judgaent of ( ) Court Order ( ) Non-Pros ( } Confession ( } Default ( ) Verdict ( ) Arbitration ( ) Award (XX) By Cornett By: PROTHONOTARY (OR DEPUTY) 109 Kappnn 'r Wft • 43f Sri A"mo • Fftbar ftmo*snk101! P 41ZA34.790 o www.welI r.as Dec. 8. 2010 7:52AM IN TM COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N,A. Plaintiff VS. Civil Action No. 10-7247 KATHY J SOUDERS NOTICE OF JUDGMENT OR ORDER TO; ( ) Plaintiff (xx) Defendant ( ) Garnishee You are hereby natltled that the following Order or Judgment was anon against you on 1- (xx) Assumpsit Judgment in the amount of $19375.61 plus costs. ( ) Trespass Judgment in the amount of plus coats. No. 3339 P. 7 ( ) If not added within sixty (60) days, your motor vehicle operator's licarm and/or mostnstion will be suspended by dm Department of Transportation, Bureau of Traffic Safety, Harrisburg PA. (xx) Entry of Judgment of ( ) Court Order { ) Non-Pros { ) Confession ( ) Default ( ) Verdict ( ) Arbitration ( ) Award (XX) By Consent Prothonotary Hanks, Scbwwtz der Lavitz 12707 High Bluff Drive Suite 200 San Diego, Ca 92130 By: . PROTHONOTARY (OR 904-; F-l) 140 Koppv: Bolft • 4M e"agi Avow * PNbborg% lawnyknis 10319 • 412.434."!'M • www.we Ip... = Dec. 8. 2010 1.53AM No. 3339 P. 8 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff Va. KATHY J SOUDERS DeFerwent No. 10-7247 ACCEPTANCE OF SERVICE FILED ON BEHALF OF PlaMtiff COUNSEL OF RECORD OF THIS PARTY: Matthew D Urban, Esgnim PA I.D. 690963 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pithburgb, PA 15219 (412} 434-7955 WWRIPOS733403 Dec. 8. 2010 7.53AM No. 3339 P. 9 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. PWnd f Vs. KATHY 3 SOUDERS Defendant Civil Action No. 10-7147 I, KATHY J SOUDERS, do hereby accept service of the Complaint in CM Action. DATE: " \ \S\ ?.a WELTMAN, WEINBERG & REIS, Co. , L. P.A. BY: William T. Molczan, 47437 Attorney for Plaintiff (s) I .D. No. 47437 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 File # 08733403 C J Pit SJS CHASE BANK USA, N.A. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY vs . KATHY J SOUDERS CASE NO. 10-7247 crn rat r`" r, PRAECIPE TO SATISFY '<CD -0 �..} ., T;,°'� - 7r C.) TO THE PROTHONTARY: Kindly mark the case and judgment entered against Defendant KATHY J SOUDERS as satisfied. WELTMAN, WEINBERG & REIS CO. , L. P.A. By "" %- William T. Mo czan Attorney for Plaint ' ' f Q vId a91��(