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Home My WebLink About11-2149IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE LLC assignee of CHASE BANK/ HERITAGE CHASE/CHASE BANK Plaintiff JAMES G PETROU Defendant(s) NO. / /--ll P i CIVIL ACTION - LAW NOTICE 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 or any other claim or relief requested by the Plaintiff. You may lose money or property 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 HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES,-TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION = a v 32 S BEDFORD ST. CARLSIL.E, PA 17013 (717) 249-3166 - ' c s ,,1 FFG File # 281015 I I III I INI 111111111 H11 111111111111111111111111111111111 -W 6' PA/PA_NTCDE IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE LLC assignee of CHASE BANK/ HERITAGE CHASE/CHASE BANK Plaintiff NO. V. CIVIL ACTION - LAW JAMES G PETROU Defendant(s) NOTICIA USTED HA SIDO DEMANDADO/A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes paginas, usted tienen que tomar acci6n dentro veinte (20) dias despu6s que esta Demanda y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defensas o objeciones a las demandas puestas en esta contra usted. Usted es advertido que si falla de hacerlo el caso puede proceder sin usted y un juzgamiento puede ser entrado conta usted por la Corte sin mas aviso por cualquier dinero reclamado en la Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. Usted puede perder dinero o propiedad o otros derechos importante para usted. UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS. QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. CUMBERLAND COUNTY BAR ASSOCIATION 32 S BEDFORD ST. CARLSILE, PA 17013 (717) 249-3166 FFG Filek 281015 PA/PA_NTCDE IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE LLC assignee of CHASE BANK/ HERITAGE CHASE/CHASE BANK 28405 VAN DYKE WARREN MI 48093 v Plaintiff NO. CIVIL ACTION - LAW JAMES G PETROU 1810 WILLOW RD CARLISLE PA 17013 Defendant(s) COMPLAINT AND NOW, comes Plaintiff, by and through its attorneys, Fulton, Friedman & Gullace, LLP, and files this Complaint and in support avers as follows: 1. Plaintiff is the current owner of, and/or successor to, the obligation sued upon, and was assigned all rights, title and interest to defendant's CHASE BANK/ HERITAGE CHASE/CHASE BANK account XX 6787 (ASSET ACCEPTANCE LLC Number 41450078).(hereinafter "the account"). 2. Upon information and belief, Defendant(s), JAMES G PETROU , has a last known address(es) of: 1810 WILLOW RD CARLISLE PA 17013 3. Upon information and belief, the account is based on a written credit agreement entered into between Defendant and the original grantor; as provided to Plaintiff, the material terms of the agreement applicable to accounts issued by CHASE BANK/ HERITAGE CHASE/CHASE BANK are attached hereto. 4. Upon information and belief, defendant(s) used or authorized the use of the account to obtain loans from the original credit grantor for the purpose of obtaining goods, and/or services and/or cash advances. 5. Defendant(s) failed to make full payment of the amount owed on the account. 6. Upon information and belief, the last payment posted to the account on 01/06/2008. 7. The account shows that the Defendant(s) owe(s) a balance of $1939.94. WHEREFORE, Plaintiff respectfully requests this Honorable Court enter Judgment in favor of the Plaintiff and against Defendant(s) in the amount of $1939.94, plus costs of this action, and any other relief as this Court deems just and reasonable. Submitted, David R. Gateway #117326 Fulton Friedman & 11 t1i LLP 130B Gettysburg Pi Mechanicsburg, PA 055 Telephone Number: (866) 563-0809 FFG File # 281015 VERIFICATION I verify that the facts set forth in this Complaint are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. § 4904, relating to unworn falsification to authorities. Because of my title, I am authorized to make this verification on behalf of Plaintiff. L PAMELA MCCULLOUGM Date: 1( S10 By Print Nai?C r?J?' Signature Title T L`? Y ,+r0 e r bli ? ;?fl 0;, *Y 11111111111111111M IN IN 111111111111 NII 111111111111 IN i c FFG File # 281015 I U I co o ; n. C N CV Lo co ?ch o ``I co ai Z v? I a. a*ol v, 3 3t°?a?c?o ? I •i Y A a N O N 3) its j ! I fill is Ail I PSI l -Ail s b 1s H e g? r Kill, I-se Ills ?? ?;tr?J!?tit#t# •4 s s? 4 N ro - a M 0 N a N o. O Q??I CL a ? M^ W 0 Q 11 a .z c IV T co I ca it rte' L m as > m c if C? I a cj O i ? s a ,it a AV fill a? wall if a a? a. co N CV) 9 w c" Wig U - { N m m. (5 R R I I z 19 1 li?l film w AM 1 s fl Aj N u I all Jill1;2 11-8 N Jv s? 4 F ???s -q)ii- in die prime Rate bdex. Based on the atrM Prime Rate Mx, we estimate dim as of die effective date of this dmge your new Nm4rdmW M Q be a mmiiW ANNUAL PucENTACE RATE of 25.9996 (daily periodic We of .0712196). SPOCW ? Portion TlIC the "Spocud Rates" section of your YO° m,Y WCs iaktrat rue or 'regular W M tale is revised and will be as fdows: "Any :pedal me G&W to you may dmge to your replar preferred Pricing race if you fail to make say tequri W minimum payment on yow Account by the Paymsmt Due Due a if your Account is dosed fa any reason. Any Veciud rue offaed to you or any regular Pnefersed hici% tun mq chI* to your Nwhe3pnd rue if you fail to meet the earth m of the -ftde led Customer ft* E6gkility" stn dm of this ARreemeat."The remainder of this section is undwipd. Babmtx 7itiafer Fee. The Balance Transfer TMUc ion Fee described it year Ageemeat for soy babuahe uamfa offa we any make b you 'Nil he dtu* to be a trmximrn of $75. This Fee may be reduced or "Veda out wk discretion in any offer we make to you. ' Late PaYtrteot Fee. The Lase Piymaht Fee dacdW in your fi, " be 11emmi ed bascd an the hevin %I= on MOWY tMaement dw shows die Late payment Fee. Tyour hat Previous Babmce a the doaitg balance of your prior monthly MOM for which we did not receive finely payment. The Late kmen! he wit also be determined based on whetter or not a Nr Aderred imerat rate is ineffectonyourtuom* stmt. The Late Payment Fee will be: bwabilla Win up to 5250.00 .............. $15 5250.01 Or Suer .............$35 Non-Pfek ned rate in effect ......$35 This fa is owed if we do not receive the regained minimum P in aocoriiance with our PIYIW Morons, by the Paynm Due Dale and die time of day shown on your monthly staftat. • O?a" Fee. The Ovedmth Fee tiisaked in your A , which applies if your total Account babnice u ova your credit lice, will be dtattded as follows. Fast, this Fix may apply if your billing CyCk- over your t lire u any time during a this Fee will be dtrmged to be $35 mgaidkas of whetter hdaned or Nat•P ebW Wan, rate` (deWdW in die "Pnfand Cagomer hi* Eligibility" actim of yonrAPee w M) art in effect on yourAccotaht. The *adimit Fee"section of YourAlFepnem will be revised to nda follows: OvnM Fee. If your Atxoan Account balance (incbnding any Fbow Chages and any fees and druges owed on your t) is ova ym credit ire 9 MY time dtauig a billing cycle, You will be dwged on Onadndt Poe of $35. This fee will be imposed only am during the bring cycle, but will be *osed in each bfiq cyck dw you ate ova your credit lice even if we aiMltorize the tdmtaction dhu t Yqur audit line to be exceeded. VourrobrWraille1eck upy"caneirasseadbaccept. The dtaages described above is this Notice which you an choose not to accept will not become effective if you sad os a writer kaa stating drat you choose not ee AM* them, in *6 ruse your Account will be closed to fwt her use (if it is to already dosed). We must receive this kna rte iw dm February 26, W. in your kW PkM mdude You rune, address, accotmt number and a stslemeg dui You do ON want drone deranges eo apply to your Account. Yoor Ma am be miled to Cbme Usubaso Book USA, N.A., P.O. Box 15006, Wilmitgta, DE IggSM2. if your letter is received by Februa y 26, 2004, dne changes will not NOY to Your Account and You miW pay off any outtwtmtdmg balances on your Account under your applicable Account terms. please retain this Notice for your records. CA"* Oman MopCbw & CO, aRVM ttarrd 003405 cis -S S lilt V QI flit a .:?_ ? ? aC s `o Qg try M w V -All s s ? ? o ? ?; z S .. V C S w ? : F C I 00348a _ ., Ec 3 c- r `s : E i` a u 7. A cl ".4 .1 .? a r'??•. °; ^.: ''? F •?? ? n.., ? Q a ?Af c ? L3.,• gg 3 I j r I Av l- yJae ?-.. . A S' ?M psi ll,' ? • VJ Ilia I as III a M 003485 Lo Z 3 u ? °. o YY 11 F..q :5 ? all . L ,'oY oc`o ??uo tr ? X 41 s ? . 1'- s ? 114 ,4 1 14 ' IL r.M • $ Ho I ?w f?s g c.-- 4 0, ? 4 .1 14 1 - ? t t I p g i a .9 tea .3 fill; E $2? s 11.4usc-8 -C !fie ti s,3wu`a?2.5ow w`d a d ? `?j a 003486 v y q ?; q; ? ? E q •IN! L i..0 i. ?. L N 2.5 O y]7! N Ills 9 1 .;f FRI w ?. b $5 i5 A. Hill s s Er .9 l? A fit All tills a gill) a fill w 91 s ? ,? Y Y s ? •? ? !i if ggill 003481 URDMEMBEA AGREEMENT GENERAL TERMS 1- IO MM I N Ilubde Used ioTbb means this document (wtpch has a bl ? 'Agreement" that may affect your right b go to court, your ro Provision and your right to icipats in a >ury trial, PWpWe aWonand the P pc action or other Initially appear on your card carrier con =uie (which may obit your credit card). as ell hery?mua?r be amended from time to time. In this A9res enZia or AAa?erCarddAA?untn ryy OR 1?0 Md for the Manhattan Bank USA, IWUonal us* our MOM Chase ssociation - the issuer of this Account. "Account" MUM the A Visa AIMMUCard ant nou . issued cards and k Cith y for tic have in User means any Person to whom e Or given 10 touse your Account. "Card" means d c (s) issued in connectlon with your Account. "Check" r means Automated Teller Machine. 'Our check- ? ins 2 ATLI. dW* ?n on us Or one of our affiliates. "Seller" means any merchant, 2 company or its agent or broker. Puroha a This Aeeeaat. This Accountmay be used for Advancbs. You Seller the Card and for ?1 agree not to make or Permit! to be made an a Check o*ata? on your Account tfxouph the use of a Card any other manner. 8. To Un Yber Card. You must sign the panel on the beck of your Card. r nay on ? M ? additional Card s) should sign Um r the fames on the back of prose for the Saner s You WIN have 1D sign a sales dip that has your name, the Seller ?nmW and your Account number on h, union you let th mplete the sales dip for you. Your paaPaaeNWas for This Anent. You are responsible for oil amounts Owed on this Account, whether chargadl by you, a person whom you Wm ft to OWn credit on ot your Accojifit her person u sinncg Cad or your Account wyour l. Wiphed or apparent I=- . You agree tlat Card br your Ac M (or anyone to sure who is q!v yo your Car Went d) as outhorL to amak not charges to you Account to me an e and responsible use your Account. Such Wthority dung such it Will due until you dPos so It lion, and ft In h in us. obtalining 11he i j? inuid to a?roAutfgnmd i your Card or An half. b„? ?0 a benW from the use of a person, Such use will not be unt con . Authorized ?ePaY?lhe amount for O the ay re Users to Line. ?m they make. Your may cm on your Account at any me You credit line be told the unoum of credit line. You may not use your Account in any way no Mrould 000609 ?... ou to po o+?er your crodlt Wye. You may ?o ? to ?? Your Nne?or?ormt over your p? Nne. We may into available txadk for ps ? ? of !roar credit line kne fs chwged or Nmited, you wkl be ttotlfied s. fl the credit Futanceit he. h your Aaaunt tratarKx (?udinp anY Account) is Your a?1'adk?Ww at?tlie a billing oar there will be an Overtimft Fee as diacloaad in P Box 10. This lee will be wed ptly once ?0 Schedule cycle, but wkl be itttposad in each blNittp eycleYwt ueMlm?rei your txedit kne even k we auntorize the t?cnon p? causes Your credit kne to be ezoseded. Aral Fas. h tlters is an Aantral Fee for fife AocouM, you will be biked fhe.Anrwraf foe ditobred in Prici has been wai it w?kl bk? wym1e Tour Mneua?Fee ended. artd wkl then osrttlnus b be billed on?r period has The Anrruai Fee ie non-returbable. ?autl basis. ? ? be made and moeived by us ? ? aPPear on or SWes? in ? ?????Pes. tufts. In our ? ? won or the 1lniled States Postal Payments. Akhoiphj,? will decide how to apply your day we reosirs tlwm as daacrib.a sn ? ? ae or the twshtess pAo?yo?ur?t may not be raatorad for ap utter ?i less tha t?' ? ?K ? you send ? for a aknilar aotakon or?tltat due ? a ttwkad "P?d 1n htk" or with diptttted aaaralt ? otlwrwip tartdsr In full n aat the cortditlerrd (?rtdMiorW 1. must be twat b us t ? on mon example. M fl ?raasrva ale our rights such dwcks. For rPteCkcartd? ? dsfarntbsd tlrare ia? diapube oar i<t the y'01? M?fla ? oN! ? ' ? ? te0 ? oae?Pt arty atlch olt?ick? R to yo?u? n? b the r ? ? Ak otiwr payrrtarrts should be sent r?terrtnttspulw Pmt Ntown on your monthly B' Ids !'Maya Paywasl lie. YVe Pe?mk You b melee payments ?' in ?' discretion to transfer funds from a daps ?k us on your behalf ?ouM. For sell arch p ??am?rtpo?your dtscigaed q?pricNp ?k ? fee in the amount 1e' ? ?atlt Fee You wkl be i? w? t 9? Nt payrri? which ? ?r ? dteclc or b mem cannot propp under our normal opsnp pt?u ewh we 11. MNywNwrr fit. You mry pay elgrsr the Mtnimum MIP? °m?Paf??nwnt?nNrst?be ? uP b the New Balance. Your instructions and received by the time ? 00pt D tt ??? on ?temenL Your Minimmum PaYntent ? by +a?d p tlro trw ?nC, and :M ?> ? have Propery nttUNad us aro ? (? shown in ? ?mwrm ? ? PaYmu?eM 1 and more than ttte rtttre p?p 1O dirt Nnwm ddlaamourd s shown Nt Pridnp Soltadule t>IoxylnOmnR vMM be ndtrpad b q?eam?nt bnrosl dollar. It fhe raswtln0 anwimt it las tlgn that mbhnum ?? ndrdnMatt dollar antortra, it wkl be f h?nP?r? ? slgrm herolWp N?yotluarn tAe?To? FMynce or tfiai Mid wYl egwi pie ToNrgnce ?, up to the nsarst dollar). Yyie add 1o your MNMmum !n excess of tro?ur N?iie ?The?Minimum ?? amounts be more 1ftlfl the New Balance. ? will never 12. Laq Parwsr FaaN,'wp Tbere wkl be a Late p?y? f °°?? ? Ute amount diatlaaeld !n Prkknp g?tds U0 m S we do not raoelve In the MiMmum Paymern ? ? o ?cUOns ? shown on Your Mfr atatarrtsnL Payment Due 13. N ifiar Carh or CMaaYa an ? w ?. ff someone a?los?t or sE?plsn, ?? r Ps?rr?ion or it they Call bll free t.artr?:,_?N? You rtlay call or write. ....qunuiyep uN NCCUfS. --- al Y ? ?dCa? arvioes such as oblaNdnp any Card on 1b. tl 1?atr Gael ar i?atlt Mt t?lalrraal, Wean not It a Seker, Bank ar ATM rMuses b honor your Caro oe p??? b. M"s not autlarize or, in our dam, ? difficukiss reason. Transar?otts made above a cardM dollar ?neuQml? ?0i moons You rtq s In ? approved. The us. This b done for aaouriy raaaons, and as taw the auUarladon tysoem works are Agreement. Naiarer we nor our auttariadon for a t?rackon is ? mad overkmk or del6rquent, cndk authorlagon 11 be declined. rle if MIS may 000610 MWMV 1 38 then $1, or 6.M of more ' ?h nwo there is a debit or credit m your Account, we we nail you a statement been imposed 17. Copy Fie. You wilt be che?9M the in disclosed In S01edub Box 10 for eacya or** or cow on Sletanent, and copy Of any other record or docaallent !fiat you regcrest. The in is not owed It s request for such record or document reveals a Account as defined the error W ra ve Boofud use at your 1t. 111111M by Reserve Board's Regubtbn Z. us a wily ? . H you have a dispute about r Account, Errors or Y°Wr ? `In Case of legal ?ipMs? rep errors and defenses ands= ns tyoour and bow you must note us. It any adjustment is made. we win credit your Account. It. /:txnaq osasswiscc It you effect a lraraaclion wilt your Mastercard card or Visa Cord In a currency other than U.S. dollars, MasterCard International Incorporated or Visa Irlteraratiocal, as wNl convert the charpe into a U.S. dollar amourrt =MfGard' or International visa International will use its conversion praadure, which is disclosed to kutitutcals tiat issue MasterCard cards or Visa cards, Iii or Visas lftm conversion rate a to dakrno thbe transactions amount in U.S. dollars for such >retaacoms is Masbrtrned rtl ? I cad Merrtill w, as 1_In wh ich the banes Lion is %!Aarbvd no used or Wa «wylaMratConConversion tram me tall pat wgdd hate bets read 011 W frarcsaotiocc date W tie Cardholder stetsnent , The adMMbnerR factor tact to put m ti1e wnrne or time must be riot MW back brio a MMM M' r co bn r reversal of ft track Lion, rtift ' because of soft curranc? formula and wowwss Will be used. an 20. FNNpr ovenne11Cy, sY f we laosuMsa F98, 98011 transaction tiq a mto IL to n C11 win Charge a f In b lesection tee 10 amount elaam in t'rfckq Scladule Box Mby the osrnaarfed trarsactia>n amount. This tee nay be a &Whiled as '1For Tran. Fee.' provsde galas ?b pg411 You authorize us to affiliates and olcersIncluding an you any and your hAccount to ose namm our company mark may appear on the Cards. CrxWdj dsdsbk FO Wino or our rrrrpphtctts? nb out of certain irdarMationbeing wonnation oww is Wvyour light 4dded to when of certain receive an Agraement and at least once qch sabred u ya at thereafter. 22. 0 ?? rytl??iur ? y hei"NMa M*D f d b Credit WOPMESM about bureaus- ft jtalheyour ?"t M credit information -ported bbyy writing us at P.O - Ky o " WNmkgton, DE t!l50-?23. an M Ti A T> n1!i= We may arty of the of that without N Mawndto wing new terms or by d"q or mo0ft wdsft 01urgesAp eui eM SUCh as roquleed by low. Any can app y to all oulin c indebtedness and any new bar sacUora on your Account. We may sell or transfer your Account and &W mounts owed on your Ac n l to another amounts any t(a Mwwnt will 90 be in y and any 'i successor ' ti I wNl we do, this have our rights in tills Agreement b the 91"It assigned. 24. n fault il and and ad Cd*gm Caab. Your Account will be in de u we can require that !1e total "'Wong balance be paid if: (1) you AN to pay any anrolalt owed under -this Agreement when due; do) YOU mew 1M Coedit k* in elm on ur Acmnt: (3) b you not fallow the lam m this Agreement; r) your heb pay us is mdwft or (irlcl not Miated limited W Insolvency preoeedkgs . but W bY?tet you ; or (51 yai ditM on any other loan not have to no* y? derlxldus or another creditor. We do action. ti acs in U ordt, payment in order to take this r may, as pWWW by few: Cancel l pr1wlegas and m9ulre You to pay the unpaid balance percent (211) a rrrorath on tiMiseqy btlereat at the rate of Iwo Unpaid balance Your Account to be six of mOre when we seem require you b pay lesson" adorrty'? ? past due; and and otiW coNsdtion costs incurred Nss,?y Court costs amounts you On under this Agreem "L in ti1e reile01ion of any W donean?y r t at any lime, You will be 1610 ' for other o uMQ Oce ante a6N' AdvarMCes or Your card is bmw a due On Yoot Account. rnu n Mehem. ft, if we 'Etts). You must may be f from rovided bfirctein ==With "M t Ac lled count we not of this Agreement and may be changed or any = without fl no4oe or rNund. ,iMsa r a?f nru finllsd Malts by w bws .ad1 is ift concerning any item In this Agreement WINMy dispute laws. be ' resolved by those 7. TalepMans fWpMeft You agree that your telephone 2 communications with to May impro" customer ssrvicce be mmmaaoritWed and recorded to 28. enforce Nabad . W ?y emo sing or not any f y m.of our ripfus under tlNs reMOM ~ bsinq to. " Mufty The kftw of any provision of this Agreement $hell not affect the validity of any other provision. 000611 30. Ceaaaner Ipp?, *0 may obtain consumer credit reports from ON& bureaus on you at any lion In wttU any end?slon of MR On Your Account to review y io your Account, or for other permitted puffs SPECIAL PATES 1. fiPae1 I NOW. From tim to time you - WO May offer you Smiall Periodic MWU tra t and ISMIS on ? either ffo transfers nest forms s provide a venal l checks Or sotthe which we r purposes honor (relarred to as "Balance Transfers' fo your AccoraRsuch as rodu )p Or for r Of offers on reduced no oilers. If we do do, other rates we will advise You of the special , how Iona they wW be In @ffSM tie bslathces to which y aPPand the rates that WIN MR* expire. terms of bfe o SPWW etas rates. If a simaal rate is the 1S of this Agrasnrart You repularmslstand :Mpif ? Is _offered) wyiio?tppand soy ngukaed nrknNhhum Ffed wig It fall to make may lose repugdsrandaby to nY?nent Due Date. You faff Pricing will M?pIY. it yo l ad u fail m e and Mon'Prehrnd Preferred Customer Pricing Eligibilityme condition " section soa??s Apraernent. BObW T anefer T trihMctiow are tasted as tch' fleas. eelance Transfer Ag ewnenl or oiler we make ak as noted in this row be ? I ?• ?fMctons will etatsd MV twine a any for Pub. amp, as we may Balance T Sam anallem WW the aWadnade to your bala ",I'M SUCS as Balance Transfer' check or Other form of or owe to trmadion is wed to you to Cub, is any;h. Chase b" ° ,Tn"W nwde a1ivable trarnfer bWraes " mac n a you Owe to other omdbii to your OW does 4ooount, or is used in daleance Trm trwe err" Way no Specified in the the rqh to honor that 9. trahsacxiorh or to treat it as an Advance. ea ?Wke ch BalaT we qlu - aft we ma inY on Fee NNANCE NNUGE Inoue onot?nt ft rga a In rhis fee nay be reduced in our a* .?D b?dnYe Box 9. r to YOU. Ymmacton Fees we part of The go coffer ee knnua Balance Transyr Tranmcton fees flats for Balance Transfer t?q s to ?cehe ment. I Annual Per"ntall Rafe shown on your TERMS FOR ADVANCES 1. Adoams. M Advance is a cash ban or similar Checks ion. You msy take an Advance ss fob. 1 whose north These are ? file be aasdpy the ?r your these Checks. 2) Of tbeda We wtl rat May be provided ong Of our ATM1t or Styr ATM, wMc your WE by another NrgncW Ins6b? or My be WWhW from CWW of ash Advance slip. Cash Advance Card. fts accepts 11110 I) the OftW cis do MWW b ykwo that respow 10 L* m9r+at. ) Using any other service that may bbee tdfemdU-41 y011,at aMowre n aacoOnmta, which may m OW Advances on ?his Account. 6) No transaftYou 10 We IRVOW may treat b Wi or similar tra whWdae transfers. m n9 but not limbed to wire Orders. travelers cheegues, 9sming to as (lash Advances ?h. ts. Advances may also be Marra 2. Oedi ad Cbft I". You wIY be do Tra the k ?k+swd Box 10 for eACh Gndc or Bailan? whic are over Your cradle line cannotr woW be processed it because you sed. check were Processed, or your Account lei ditquwd or doSuch P rilaaant I". You will be in ? SdW* Box 10 for each MOW u0° he &SdOW M mop PsY OW on a Check or other, form of jldwnq Make for us to Your behdf or b provkle us with Mt. You must raquft let order to NqUW . We do not '°'° f° Imp Pro" we have aw other form a Mann a don of A sMsdvatoe? m ad as ra t?hft or not be 11101110 in any way for any PsynWr ply it orMd• we will caromi?ft Mum that we 4 hoar or fat b honor t wf wad Ordinary n are. Adr.aan. ForAdwhoaetMwthomsnA 5 aNmkbrAeph?lstwoMonane:?eNydmltltatyou 1W Aft"M Advarhce tfhem b, IfM?"mdktcTloeed in P g Schedula sox 9. Any a t cum and are also duct and in tln Prk ?o Schedule. nnaadamount ion Transaction fees will be skownTn to due The I" po of your Th ftmw"P e aadddition off TmMmctit?C Of the FN It?1711WBE. Advances to the Cause ra Me Annual Statement aa 6. Ow e ? Ahown Your IS accept your bypayiNow Cho*. ng A MICk or our sr a not would o own your txedlt be; Z) your Check or pWment check 4) Your3 =Cords been slaws been reporled lost or MW*d check is is paid and as Car soar has INpi a returned Or Check to pay of any paid amount we am oat rm0ornelMe. other quske Is you owe under this A0?seineeent. 000612 TERM FOR MNtCNASES services You ? use your Amount to purchase or has goods and reservations or advaark* deposits. when rnakinp Guaranteed TERM FOR VAI AN IE ADVANCES 1. cakVIIIIIIIN of Fiona _ hian Which d j ftWtlisChOWhri dthe i is C T z bz ennd..Pu but • NOW " mo e. as wq daily I am mry bt marred to a6 averwe B faS Purdrates. and Vilfeoe Tian, Advances and Ma y weraft Rate. Subject tot - period four P described below, or, the trarwederh oocws or on the ilrrst day ofI on the date MVIVad by?usp(Whichever is War), or, of our option ? it is Van"abofi to amw the urKi( b Your Amount. R^im QWW continue We determine each Ysy "n in full is received. of the daily balances as Ulm. For db Ithe ° we take that day l "fMing balance Purchases (an amoutKrt Baince rnnsfere, Advances and kndudaa accrued and/or unpaid F cycles) and add inance Chortles, fees and other charges from previous biNi now fiats PPurchism, other d?kAn to the WO Vars. Advances, add b aclh acb balarnoe an smount??te bale nce. we also opnvious ms's ?0 balance of Valance Trawlers AdAd to the IndkIlAld __ y Periodic by y° o Rile (or It mom tlnan Oft roe I* Ivmp W oft) daily We than w?t ow wm' the lsvrest Wptia that dryl1w Mince . T*w #0 0* ON PeYnesf orotence Moslem Adv*W ?tebsass. We then add 80 of the dally Mwg* Purciriaes dw TraLLafera, Ad+rences and Advance for the r oen apP tine wcn awn by ire number of days M the w"" aauara?el, and us tiro averagehr e. This 'danc4 tor Mail erransters, ro and Paagmaa. All approprWe Pub Ae your Account are or that Is added b the balance, WWW appropr Pubnenasey Balance 0 Rom Owm. *"mom provides cd B averepe balance by the 41111V cycle. The dolly A;;g gable dally P'sriodre Rata and then p Robb. RaM?wIN number of p Ujinth days of The t?Y Perbie Rdib and Annual Sp°ehedRC°uk. i °s disclosed may be In amended the ;ppkable portion of the time to time. Time T? Advance determined ? by Feriodic Rabe for Valance Transaction Fee ANAIIrE nu Eesto are added to any amount of FiNARM CHAR CN ? 3 0 the combined IhO*n On statemen M WE of For go* ($'a them is a Your mFM NC C Is imposed. erba (_?Va Finance OWP for Purchases There will not be a periodic rate Rnww on P Unbsaes if we receive "Anent for the "New llalnra" time of day on the by the 'PINYmid Du smtement (This 'scare as Date" shown on the mofty avoid MM Char ges for now Pluctwift 'grede period.") You may also cy whidr posted b your Ac ountihebt bWna b n OW Am cle in with a "PleVIOUa Balance. of asro or the 'that Pie by 90 * a ofdaayy on the - We spat "'e noeh?e previous rent must be in Shown accord with our Valance T o^s There Is no pnroe period for state there will be unless be forma of the Valance WSW offer 2. Parlsdha Ralng race GUY Periodfor ic Rai Qalance Transfers, Pwchoses and Advances ailed to the a inck" "Ong schedub? Where the particular rasWe Drat rfible Rafe Irndex ad Margin" irdornalon for a rate and applies to your the dlscluahea 66W Aqcwd, that weis a varplDle that rate. Where the hk* .? Variable rates for 4inda " low " ln rrnMiorr for nyuch roe (88 kWkded by in Variable Rata of Such in and Ure bforrrraborn b°A" r Ift " or Ohs aWnrcer n Pdcg Schednds), that no is axed disclosures Furow, for We ?0M' to wrfsbhe relea do not apny P111100ded by sure to the "Pr - rnd Ow riat C that ustomer ns 6*w. When Yom b° ta Accounf? NW?p action a not as Non-Pnrnd" " y y. e o c f Apply b cer Awnoss frrlunee bMord' n am after Wn date or uarraaetlon, we may Idw* such War.. in promotional offers. on sbtwrrw* or obwkwise terms such as 'C ffW or "New" to refer b balances b promotional an or new busections, and 'Prior or ? to refer to balms au?q to regular, rates or to For wd*V balance before e' tit nibs may apply b belancit; Im ffed ppromotional rater OW t dab a Ica Transfer subject to a posts irxwrred before and after your Ac becomes % or to balances Prl#WW rates after a Non-Preferred no for Periodic Rate for acre type df balance on yowas In ur AtxoWrt sf the same as the Periodic pie e may Bb°darmrce and Tra nder to combined a Purchases applicable. as 9. Varfabk Rates. If the daily Periodic Rate and correspondhp ARM & MMW AOE RATE that apply to your 000613 V. Account are van" rates (see the Pricing Schedule , house or damages from one billing cycle b another. 7may weratesadd am based on the value of an index (he "Index") to w93 hich a margin. The Index and =rg n am in the Pricing AMtUL O& MOU RATES. margin determine the nominal If the Index is get published On the alevaM dale, the I TTrans?fers nm% Ve daily Periodic p,& br Purtdases, Balancendex Rate published in Tp y?? the Prime of national circulation elected by us. For purpo anewspaper s AgreerneM, the Index le merely a prIc" Index. It is not, and should not be considered by you to represent, the lowest or the best iMerest rate available to a borrower at any particular bank at any given time. andfor The drdlY Periodic Rate for Balances Transfers, Purchases date ands le when We k*x incngaes on the mievent decreases when the Index deaagses on the relevant date. An increase In the rate may c:g to decregseRnanie ? ? may you to pay a R a t. Charge and a lower minimum month Any OrnNf nan e amount by which the dally Periodic the ?atponding PAW 0 tde of your n ? =One lime or over the limit repp?rs for It Is SK in Schedule. K no by which it any Particular rate, then mat ate has no Omit d. Pnleny Oar Non-Preferred" rates appear ! P ' n It "ft°Rle, and Section every month on yur Acbm. Slebmlng Your Aoc 08 twn rev id each pose A month ate may up b Hour 111 ?Ut Ml?afe a On rate for (subject to any minimum rate) dumbed in your Agreement described p to be when you do no MM An s In ) oNeat'ra w as a vault ot,to MOM ty yew"s for PrMermd Isles will be Nlective with the bitting cycle oro*V on ft review date. must To b be met 86 Of e eligible for review d rotes 0 toMowing conditions a I other minimum m psymwft whdKe:' 1 made 81 en due onnyour Account amend ohn credit limit on with and your ether creditors; the payment t ur Account has not been exceeded; and any your Account has not been returned unpaid. If you do not meet all of these Conditions. then in default under this ?p you will be Preferred rates. m m I? In iAp?eement and Your Account te lose no to the PMWW mte ?sub? a °? ate up apply to all existing and now balances Oren minimum ate) will M. and these balances will rennin Subject to a Non-?rred rift they are paid in full. When we review until ur Account in subsequent monthly revieMrs your Account may spin be eligible for Preferred rates for new Purehasu, new Balance 000614 V. Transfers and new Advances if, for a Wm period not to exceed 12 months, the fotiowhhg conditions are met; your Account is open, you have made the due on your Atxxhunt attic on atl otlne t1oane?a prinwft iaccounts with us and Your other creditors, the eredlt limit on your Account has Account not been exceeded d.and 11 t he?AIbrove mmaya wai e been returned unpaid. our rights. such as our rw to Mdorce a NorMraferred rate on eftlinumand now baanoea until Paid In full or to WMM any Mw&prwbnw rate. However, a we do waive any of our rights and them is anhoUar oocurMW when you do not meet the condidorha duouibtd above to be deft for Preferred rates, we may apaift impose a NoMPmfermd rate up to the mahdmum Non-Prefertmd rate (sthbift to any minimum rate) on all existing and new baNnoes until they and paid in full. We may obtain consumer credit reports from credit buraaus on at any time In the prture. We may use the reports and their ceotets, as well as Information about your other Account ward?oum NOW history review your Account including for tiro purposes ofps, to rovkw S for Preferred rates and of tstaltlshing t ?P??that may apply to your Account. 1• NWIM "*0111111- This Arbhration Agreement Is made pursuant to a transaction Involving interstate commerce, and shall be governed by and be enforceable under the Federal Arbitration Act (the 'FAA"), 9 U.S.C. §1-16 as it may be amended. This Arbitnftn Agreement sets forth the circumstances y b =by arrs arbitration which claims (as defined in court tor Instead of being Nfillated 2. Clahmt Cavarad. Any clelm or dispute (`Claim', which term may refer to more than one claim as is appropriate for the context in which it is used) by egther you or us the other. or against the employees, agents, or assigns ofother arising from or realhg in any way b the Cardmernber moment, any Prior ClIftwntber Apmemant, your crew cWdhmt or the or of your Account, W, at the you or us, =81, M?rtdiN arbitration. ThON is kradon AgresiMerif 9M Claims are based on leww utati contracts' ut on ordinance, tort, common few, constitutional provision, or any legal theory Of new such as ntspondent auperfor, or any other le AlmOdlies " or Iqulbble ground and whether such Claim seek as ^? damages, pertaft, ions, or declaratory or @gu WN $11111110d to ikon Agreement A dude Claims Or the eta MP*V tie applicability of this Arbitration validity of the entire Cardrnember Agreement or AIRY Prior Cardmember App ment As used in this Arbitration Ag resnant, the term 'Gab is to be Om to broadest padW meanin resolved the lbrepoktp, a Calm may be n'Ap red Is no subject to arbitration under this Arbitration ft" by eRher of the () ?'darraoe that will be sought Parties is monetary - wile no are ery in emu of S25,O . atdud4 InWrrees c osts and ft : ashd (3) the only parties to the litigation will be you and us. If one ate, but the ? pwentyts a Claim to be resolved by Claim may be litigated subject to ails s" claim:?? the texgption, the party selkkl arbitration may MOM MUM* assuranox from the g Party ? >he',00 dIMIS am UN and that the Party wishing to by kllp pion WIN fake no scow now or in the future to change the palm of the Claim so that it WNW no such uch ramble aWOndkiona of trance Is no this not Psmall rovided, claims , WPart spel p s ?MN May require the Cola m be resolved by arbitration. As used in this Arbibation Aproenhent. Vw I" "Claims" 61**s calms that arose in the past or arise in ? or the future. If a Party, I'm to aI** a Claim, the will be cordutdtd as an hdhvidual anon TheoMy O?ltims !that lay be Joined in an Ndhvi W soft under IUa Arbibatom Aprretmeinnt are (1) thole bra" by us hpabhst You and any ooappfiaam, dint cordRhen+ber, or aAhotirad user of your AtxouK or your and any Your ITUNING In COVOCOK Joint ardmmet be . or a?hghob rl user you your Account, or your heirs or your truelee in bxdwuptcy us. This means that Ivan If a teas adionlawsult rotter m attor" Preamndtive scion. such as tiroee in the form of a Private petheral a1% On. Is Add, any Cahn between us ?Igled to the issues mind in such awsuils will be to arbitration ff you or we so elect. Cairns a duct to ipcfiide Claims that am trade as countercla ling, cro53•01111 ft, thrd!?Pieaders or odherwiK and AIp?ry who ktdatesc claims. in court may tad arbifnbon vhdth respect to any such Claims advanced, in the lewsok by any Party or parties. "us" Foor the rPoaas of this Arbitration Agreement, "we" and Chm Manhattan subsidON, afflkrtes, niceness, Wk rNA, s; u successors, Parent assigns, any purchaser of your Account, pal their officer000615 ARffiBA W AM MMM V from or relating in any way to ft Gardmember Prior Cardnromher regiment, any ? Your credit sect urea or the .?on or approval your Account. will, at the Old This Arbitration or us, be banding arbitration. Claims are based on UK Own= all ( a, Whether such ordinance, tort, common law, statute, Contract, , or any Provision, or any legal theory of raw such as rawdent 1001 Or O ukabk ground and whether srroh Claims any other seek as nay ?. penalties, =Ad", s, or m equitabft t t 1o ion n A chicle ClhirrnWft tiro a OkAbiiity of this Arbitmon A any prior or the VON* of the and?e Cardmernber Agreement Or Cardnigmbei AlreTnent. As used Ag MUM e Om K the term 'Calm is to n the broadest poible NOW rosolvsd by litigation a°g0k? a halm may be and' ArbitrationA $1111111a to arbitration under this r9~ M (t) the only remedy tat h will be sought by eitlror of Q on Parties k wbl seek a in ? of (2) a? party coats and fe;Me 3 the ud?o interest, you and us If one(? Party only Wnle W the fip'patlon will be antisraslon, but theother wants a Claim to be resolved by believes the CWm may be ad ^ubject to this darns aaceptbn, tiro party seelcino party that on L= assurance from the other resolve the Cleirn by litigation Will Party Kiehl to future to take no scaler now or In the dronpe afro nature of the Claim 90 Qrot it would no wru?able assurance ills ngot Providedclaims , the pptl g 1ft assurance may require the CWm to be-msolved bey arbitration indtades Cused in laims tits M*Rbon Agreement ft term ` VMS` the falters. N a areas in the Past. or arise In Mropreeent or party *ft b wbk to a Calm, the arbllratiora be conducted as an ktdiv"scow. Theo?y Claims that rr aN be (1oinedan brdwidu?al action corder this Arbttratiort Agreement ?t you and any ooypplicant, am those brought us qOW heirs or your Own in Wicyy orr (2) tl?ioee htoby ? an any co-°VIicgnL ON a?drrt M*. Of aWhp Wd user of Yours means or Your that hsh or your trustee in bmdouptcy against representative action, such as ? in tide form W a or other ate general action. is filed, any Calm between us related to you or lrre % W in such wiN be subject to "tration if that are made SD aSle s a ? to orbitraition kwude Calms finer ? ders or otherwise, and aaparty ms' Utirtl?A a may elect arbibagon wgh rtes a tdvanoed In the lawsuit impacct to any such Claims by any party or parties. For the Purposes of ft us" Ate on Agreement "we` and urbswries, affiliates, kensees, Ns, uc parent cesso. rodC?ts. any purchaser of your Account of thei rs. ?? M, Spa, and assiprrs or any and M 01 them. OW OW ts lerttean third partihyconnection e bamft, services. or produc (iatdudt bent not &1w*d 10 oaedq bW,, grata q Accoufft encredd device leered order the Atxount, rewards prop and rotimerd servkxs, credit insurance deeds metes coliectom and an of dwr officers, dke.. companies, debt you aa) it, and aniy ff, each a third p??y°rmn 004011o floret in any Maim you a rt aplenst us. must ones ome The Par fithrree an arbitration administrators: American Arbitration Association; JAMS. or National Arbitration Forum, itowevar, if elect an administr to request dw the be ator, you will frove? we t t to receiving notice of our n ks of one of the other two arbitration admi ? To exercise your choke, you must w Send riting us at P. 0. flax 15933, gap dE 1985()- ?' 90 wift of other woararbiittratition ad im?nlatrators yooo choose, e sdmlNasrators are hrdepertdeM anon us. The administrator ?ot arbl?tion. Arbibation Is conducted under rules chosen O the selected or by an impartial third sum Of the selected beaddmirt?rator Arbitration ioAgrillin n hi ha aeraf and ngailerns Oman Any arbitration Urat you arbitration = 11 federal ?'. the or which you re" Aftini1hator uftw r! at the time tJta (iimfiled, orsomeotherr place to which you and we agree M writing. you" ?o?b??bin copies of the prrraM rules of each of the three ion administrators ?orrrrotlort about arbitration and arDitnttion fees, and bv? for Wong arbitration by oorita g"ll the arbitration administrators. Amerkron kWMon Association 335 MadIM Atronue, h?oor 10 New York, NY 10017-,? Web eke: www.adrorg 800478-7979 JAMS 1920 Main Street, Suite 300 Irvine. CA 92610 Web 9110: www.larnsadreom 800-352-5267 National Arbitration Forum P.O. Sox 50191 Web site: wwn!arbit4ra0bSon-torum.com SW-474-2371 4. PresiplW s ad tsar tsahn? ht WkWaition. A single, neiutbrel arbitrator wNl naolve s. Tha arbitrator will either be • wyer with at least ten years experlence or a retired or former 13 000616 Judge. The with ruin of the aq orn awig dmires Selected raw. iTheaibilfation Wig be oorhducted under the applicable procedures and rules of the arbitration administrator that am M effect on the date the arbitration is filed raaleat those prpppdUea and rules are ineorle stern with this kWb ton AgMement, in which case this Agroemerrt WIN rovall. These procSduMS and MISS the amount of ava "k to YOU Or . The ar?bitmor willap?y apok subaearr.law cOalk t With the FAA and app NrWbit alatlrt03 of limn ms. and will honor claims of S d lie ?? at law. You may choose to have a hearing Mason" slops represented by counsel. The arbitrator will take mer ACCOtaK informat f prate and Other COnfidn" to custokwo one orders to pmhbw disclosure "' bide the of protctve the arbitration, it nquaskd to do so by you or us The award to a arbitrator will have the er to award t le ? an d?ea or other r" provided for under against. or for jhe win benefit noo Of fi have the power to award relief to, Drainedt'ng Th any Parson who is not a party to the ? y fees, He suchaubitratmay award punitive demapes he arbitrator wla make any= amp by by or ?. The but need no WVA& a request by you oar us, the arbitrate r win provideI party. Statement of the reasons for the award. 5. Cafe. At your smitten request, we will advance naaonabie arbitrrattioonnrfinp it fee, or add and any hearing YOU u0 the amaart of ? W0 VfeWq10 l flue a Claim M arbitration fee it you paid it and you p uvell anyburte for the inwal headnnppwe will pay y 1 gym. It there Is a adminlatnlor for titd lanint m of arbitrator and arbitration Will be . All otter fees ?l r in phV rhino the rules of the arbitration a dminletntlermburse and law. However. we will advance or rei filing me an other Im If administrator or arbitrator determines tlhare It pthe arbitration MQUK od to do so or You ask us and we dartermi mason for o op omm for d: • tie there is feat and 401111311of Of the documents and other SWOM, obi whicWitnesses, h pa e?evails. for arbitration and appeal (as permitted Delow), determining w?heowa r, ? any over aPPNcabl f taw costs from another party, or rail lass and 6. Naalify, a/paala. You or" actil a , ummary may briny an * to expedited ? to cam t litigation of any Claims PwWkV arbitration, in an or t Stay jurisdiction. Such action t' coo having such Maims are part Of edbr. Puree or forbearance ttoo enforce this Arbitratio=" t at faany particular time, or in connection with any rClairnt, wl11 not on en roof a kh any to inquire &fta ion at a Istergore our m agreement betweeny oMer Claims' Any additw or different you and us regarding arbitration must be in 14 fwrriting. The arbitrator't decision will be final and bindkV @=? m npphatt Of appM under Me FAA. In addlflon ?tpt that Mal "odes an =Sward that MOWS "Oe"D or pt damages appeal must be tied in ' Any request for an administrator wttw 90 of tie ro -t bthe same y the arbitration Erof notice of the oripfigtl award. The appeal Shen ?? d a womatim of three neutral fir. The Aftrelori designated panel WIN ew"@r all tactual and legal Issues anew, tONow the same ndes that apply to a anpr c the ft - a i t+rbitrclor, and mab decisions based riiY vela. a cost of the appeal imposed by the VWM ton administrator shall be borne bbyy the appsaNnp parry. An award M arbittton wm be arrtoroaabla as the Mpg" FAA or other appNcable law by any court having juriedictort. 7. =aearMlRly, nartlinal. This Arbitratlon greement survive: 1) brmination or changes in the CaNrnwnbelr the Account and the relationsh number or UheV Account, such ca of a now stmt 90 another tronderritp of Use balance n the Account to transfer, sale, n (N) the banlwuptcy of arty party, and (ill) any >? ent of your Account, or any amounts owed on yourAccount, to aN It any portion e, this Arbitratrcnment downed r person. gble the remaining shah ?in or enforce. nevertheless remain M force. FOR WO iNANDISM. The Ohio laws NWnst discrimination require that an ew tiers make crtditpustly vdlable in all cr editworthy customers and that a credit s maintain fea Theme fttioccrvil histuft anon eje on administers eontPhartce With this law. 0 CAM OF ULM O ON VIKW= nn OUR SILL YOUR R11'iM1E USE This noitce contains important irdormstion about Cr hts and our respontfbilifies under the Fair Credit Bourn Act. McMh US In Ilan of Erman W Woollens Ahem Year Bill If You think about a urbiiNlit Wrong, or if you no more kftm ton address blad on r biN I tl us on a eapante missal at the Inquiries TO :" VYrite WOf fit) " or `Send b us no bMrr Iran BO days afbr we seat you the first bill on which fie wror or prpbiern appeared. You can WSOWne us, but doing so wfN not preserve your rights. In your letter, pine us the following information: • Your name and account number. • The dollar amount of the suspected error. • belt th?ererrior and e"in,l( you anneed , whymo e information, descrine the item you are not sure about. 000617 wrtting. The arbitmtof s decision win be final and binding, except fore Wht of appeal under the FAA. In addition, the non- t at Mdudes a rd of @W any mrd VW s =1? or punitive damages. Any appeal must be ftd M writing request for an with the am daYS arbitration administrator within 30 WRY of notice of the I? of awtheard. Tnahe iptMby the non MI shall be ing at d three neutral arbitrators same arbitration The Panel will cet? er an Shia and legal issues anew, follow, ON an rules that apply to a proceeding using a sNgIs abibator, and now decisidiis based on the ma only vote. The cost of the Appeal Imposed by the An award in Willbation WINNbbebeirr HMO party. FAA or other oppft* law by an Court AS 0?ovided by the T, Y ?g hMShccNon. BOPWRIP icy, 111091 1. This Arbitration Agreement shall survive: (I) termination or changes in the Cardmember Al o? a cjr the and to relationship between you and Accotmt, such as the p of a new account number or g of Me I)MISM in the Account to another account: (N) the bankruptcy of any party: and (Ni) any v owed On an ??, or aselpnnaM of your Account. or any amounts thisAccount to any other person. If any portion of the rorraMi Agreement is deemed invalid or unenforceable, n0 portions shall nevertheless remain M force. FOR OW NUIBENf8. The Ohio claw against redit . pilable two all rogWro that all dedlbrs make rthy austomera and that amt aper?cws m request. The aintain 11" p ioOMM civil n?'gh commA"M=j O n compliance with this law. ere 0 CASE OF MMAS IM ON NO ABOUT TOUR Btu TOUR "IM *I M40P 11BB ttlOM FOR FUTURE USE -his notice contains Important firformdlon about your rights +nd our resporalb Ries under the Fair Credit No" Act. Mft Us m Cep d Etna w 6000 Abowt Vbw Bill bout a You Oft Your busecein one Is wrong, us # you on ? 1 Move im hw at e o Miller rie Morti(s) MWOM" of -Send MUM" To:. write I us no I1W than 00 days ewer wb sent you ie first bill on wilech ft error or probiem appeared. You can MPhone us, but doing so veil not preserve your rights. In your krtter, give us the following Information: • Your tame and account number. The dollar mount of the a led error. Oascrle the error and erglayou can, why you believe more is an error. If you need more I Ifornation, describe the Item you are not sure about. is If you have authorized us to Pa your credit card bill afp t? from your savings or checking accounpt, you can amount the Payment Your letter must reh us three sw?ip so dayp before the automatic payment is scheduled to occur. YW W RM6 MM Our yo ttl? After We Repha Your We Must have corrected fhe M then WNW 00 d union we days, M must eitirer correct the error or explain why we believe the hip Was correct "OunMW we MOM* your letter, we cannot try to correct an oontirnre two trlN you jorrtlamgcM 85 "linOuen t We can finance dgrges, and we can apply any uyou question, npaid amount ns your credit Nos. You do not have to pay uy questioned amount while we are Nrv?ting, but you are alit obNpe? parts your bill Yatm rat In question. If we find ihato Pay the ir?e& your You I no have to pay an finance Ply amount If we didn't make mis"' You yi0 any have 9QL"NOW to mow up any ?aYrllelildInce n charges, and you wig have e lhtler teas. Mrs MAN aer10 you,atat?Mlen?t Oquestioned . in t the amou amount yoU owe and ON date that it is due. _If y you 88 ddk*wt However, w ou fail 10 Pair the amount that we think you owe, we may Satisfy You and YOU Write to vs vftM Nn our days ?4>de oft to u thud SON refuse to pay, we must to you we neat you to that you a anyone Wef8 about your bill. wro mud 1eN You the "me to that the?now bee to. We Must ten aryorw we report you mow It we don't foNOw Nrese (Was. We ? cus Wien A ftnify is. ollect Ya first $so Of the questioned amoum, even hf your bill was correct. Btaefel Rrde Nr CtMM Caw Panpps If you have a pntbkm with on or tried in lid hr 10 d, and YYoourm ye correct on WON" With may have of" right not I pay the rengfimMp mount due ? Pro the Property or services. There are two Nrrdfatrons on this right: (a) You must have mede the Purslane in Your home state Yor, 0 not within Ya!r home Oft within 1 Do miles of (D} The purrrent address: and Pie must he" been more than $50. These limitations do not appty if we own or operate the marchaM, Or K we mailed you ttihmee Itisemem for the property services. ® 2002 Chase Manhattan Bank USA, N.A. All Rights Reserved. M•51959 000618