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HomeMy WebLinkAbout11-2150IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE LLC assignee of CHASE BANK/ HERITAGE FIRST USA/CHASE BANK Plaintiff NO. ) I'?5? v. CIVIL ACTION - LAW STEPHEN W ALANDAR Defendant(s) 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. r- a ' ..i CUMBERLAND COUNTY BAR ASSOCIATION 32 S BEDFORD ST. CARLSILE PA 17013 , (717) 249-3166 s vs t FFG File # 281022 ` 1111111111111111111111 IN 1111111111111111111111111111 0`y 40 f55 ?i PA/PA_NTCDE IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE LLC assignee of CHASE BANK/ HERITAGE FIRST USA/CHASE BANK Plaintiff V. STEPHEN W ALANDAR Defendant(s) NO. CIVIL ACTION - LAW 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 despues 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 FUADA 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 File#: 281022 PA/PA_NTCDE IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE LLC assignee of CHASE BANK/ HERITAGE FIRST USA/CHASE BANK 28405 VAN DYKE WARREN MI 48093 Plaintiff NO. V. CIVIL ACTION - LAW STEPHEN W ALANDAR 149 HENRY RD ENOLA PA 17025-2137 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 FIRST USA/CHASE BANK account XXXXXXXXXXXX6403 (ASSET ACCEPTANCE LLC Number 41452011) (hereinafter "the account"). 2. Upon information and belief, Defendant(s), STEPHEN W ALANDAR, has a last known address(es) of: 149 HENRY RD ENOLA PA 17025-2137 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 FIRST USA/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 09/11/2008. 7. The account shows that the Defendant(s) owe(s) a balance of $12305.31. WHEREFORE, Plaintiff respectfully requests this Honorable Court enter Judgment in favor of the Plaintiff and against Defendant(s) in the amount of $12305.31, plus costs of this action, and any other relief as this Court deems just and reasonable. David R. Galloway # 873 6 Fulton Friedman & Gull e, LLP 130B Gettysburg Pike Mechanicsburg, PA 170 Telephone Number: (866) 563-0809 FFG File # 281022 VERIFICATION I verify that the facts set forth in this Complaint are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. § 4904, relating to unsworn falsification to authorities. Because of my title, I am authorized to make this verification on behalf of Plaintiff. Date: 5 t l 1 BY PAMELA MCCULLOUGH Print Name ell; Signature Title SUPERVISOR i INNI IINI IN 1111 111 IIII IN HIM IIII NI 111111 IN 11111 FFG File # 281022 •i Y a -a kn 0 ? O C\i O tMp a° d I a ? i O! OIL 3) 1 1 38`d Jill s a-alo i a eu cc 0 z° O as CL C ~:Y _I Z N i a m L: m =_ a co C+7 9 e O CO tist a? ? 3 .9p Is ? s 1.4 s a cif fj I m a m ma. 3 x? t` ?j? r R ji?l ?i ilil oil 1.1 .9 fall .25, a ?i1 ?.It!1!#?ii3f7 ___O_ a d 8 5 3 a i d I s N C9 N Q N v ro _a f" O 2° d' m 0 it 0 a. I c? o ti 3 a a IS .11pl, aj 0 N K N N I ? z m: Imo' y CL Z z: m c. ?a ?C3 g E a? CL co 0 0 al m cj t m . r- o . a N CR7 cm E = o m Nm HAA SR If fit i? a 1 Ail ly?l Jilin ,j AM ,. s ArI all - JAI$ 1 o fill L. JJIL 91 Us .2 ? ?jjj __0__ a r: jab R? all t? s )I?1y? All I JTmuuy,2004 Form 103 CHANGE IN TERMS NOTICE We' womid like a etc* calm Chu" in 6c: am of your Cmrdmmba Apecom ("Ap oemmo n Some of the No in this Nola my lady be in effect on your Aocomt. Aq tams on your Aooomt mot chw#W Bete main in drect. The amp described below will take effect for bs"Ik cytda emdpp lw I. 2004, nod hmhm The dmapaa wM mpply for dl qO.W exittiop nod Bane Mom on your Awma Ilesm tend bdow AN yoorTrpbt b dww not a tiooept owlin drapes desaibed in Ibis Notice. %"ovk dwpe wrmpplymmteTmmb * loYWAooutmt • Fapedlted PgtTTemt Fee. Be FapRWW payment Fee dewibed to your AFWM will be diTwped a $1495. % fee may be darped foremcb pymrem dw we NOW on Your b&F. % Mm* du p WE mpply b ymtr Ae mmt tttdar you chose TTnt b mooeµ lies ma wed bler imtbia NTi m RePYr Ptdarred iultrrmt ante for AdnmT+er. % mW& Pmdbr w mat ate for AdMM WW be do* a 0"1 a rr?bleakafltePtiroemeRmtelmdatp4tt 1599Xi,widtmmuimane rate of a MW ANNUAL !B!M1 S RATS of 19.999, (?f' P ? d.QS471?), The Vimiable Rule mecum dyaur A6? applies a t6ia tmlc. The Ptme RT>te blot is lbe bipheat Prime Rue *Wed in the 36M Rmtes" Mh of Tlk W d STrrNlATwCm rite IN bTainea day deTUb a mdw mtomtb. Toe mew + 11* Pheiared rate for Admmao miry ay kad on d"m in the Prime Rue bmkx? 2*0 b dbe miimimaa rue. Bmted on the emnertt Prime Rmte dtdex, wt epimue that a of die dM a dire of dus diTrTpe Your new T pda p for Advmrioes will be the minim rtte (19.99% APR). bpkr Prda. b h t rde for Admen mN dtuo for Cut* mooom& If Your a meat mphr Prefarod imM ra forAdonoes is m nimble me fiat a bi& dw the Prime Rate Index pis 15.99%, or if it is m fixed ate dm is Iiidber flan 19.99% ANNUAL FUCENNTA(E RAM 6m die mew mpkr Prefared interest 1* for Advmca will not ripply to Your Acww ad ym mm upulr PT emd an rue for A"= wt31 remain in effed. ' u MTmrat r*. The Nm4miumd immat rote on yoorAccoum will be Chupd b etptd m vmtieble we of vp a die on of die Prime RThe bider (demtxrW *a) ed 21M%. Tk Non-P ftW m applies a WI W IM on your Aooommt what it is win Good pamdima W& dw =did= &O W in tie " Pfgfuted Customer P** gligiNfil" action of your Vi ilbk R* action of your Aprarm m ies to The Non-preferred rue. mod The me nay MY bimed on 003404 in de Prime Rate Index. Based on the aurast prime Rate Index, we estirate flat as of die Active date of this dange your new Noo-PrdaW m1e will be a nomiml ANNUAL PUCENTACE RATE of 15.99% (duly Pink rue of .07111 %). • ?? ? dle'SpecW Rua" action Of year ''POen" you=y lose a VecW mast rite or a reanlir W M rate is revised and will be as follows: "Any spaial rite offeaed to you away dange to your reguly Preferred fti* tie if YOU fail to maloe any reps ed nuum nri payment on your Acc=t by the Payment Due Date a if you Account is dotted fa MY =a Any special we offaW to you or my mplarhdared Pricing me rod ?' cb'W to Your Non-hda rate if you fail to meet die conditions of the -hd mW tisttuner hi* EligWiity" section of this Agreement.- J* reminder of this section is reidaaiged. • Bahooe 7}attder Fa. The Bahmm Trmsfer Trmuction Fee described m your AV== for my bdow trnfer offer we may rah to you will he chaged to be a maxiawm of 575. This lee may be reduced a waived in our sole discretion in any offer we mate to you. • Late NOW Fee. The Late hyment Fee described in your a willl detanmrod based on Prev o a BII man Fyour n Y Mews dW sbows die Late km he. Tbat Pnwious blimct is die dosing brlaioe of your prior mouldy stateaiem for wbiedt we did not naive dmdy Payment, The Laic POIM he will Wso be detamioed breed on whether or not a Non-Prdemid Wm rut is in effect on your mtmthly statenment. The Lie Payment Fee will be: bAKNIM 1 W to 5250.00 ................515 5250-01 or greater .............$35 Non-PmdwW rue in effect ......535 This fee is owed if we do not receive die MqjW Minim FYM. in aecI*" with our payment 11111 ions, by due Payment Due Due aid die time of day *,own on your monibly statemanent. • Ot'aihadt Fee. 711e Ovedimit Fee described in Your Agree=, which applies if your total Account Wm is over your ardit line, will be a wipd as follows. First this lee ray apply if your Acoouu bahma a over your credit lint u my time doing a billing cyck. Second, this Fee will be dpwged to be $35 RPdCss of whedier Preferred or N ? t (described m die Preta rates of yoarAgreenrent) we in effr hicin ?"section ofy section of A ?Amami. 71te "Ovedimit your f;utum will be revised to mW as follows, OtaaW Fee. If yon Ac=nt W= (incl ding any Fitince Comes nd miry fees and dtarga owed on your Account) is over your uOk Ire u any time during a billing cycle, You will be td qW im Overlain fix of $35. This fee will be ittuposed only aice dw* dte OR cycle, but will be unposed la each bil* cycle dot you am ova your credit lice even if we MdW= die transaction dua cwises your credit lice to be exoeeded, Yea rW*rgardbt be &NPyon cm diooae not b aceept. 7ho dhnges described above m dus Notice which you cm choose not to accept will not become Active if you staid us a written letter W q dot you choose not io ate * them, in wbd ease your Accotmt will be dead to fwdier we (if it is not ahnady dosed). We must receive this Iota no beer dart Fabnary 26, W. b your letter place include your untie, ad&M saotat tw ow aril a swaamaa drat you do not wag dm dMip to q* to ym Account. Yarn leper mist be nailed to ChW Manhmo W USA, N.A., P.O. Boot 15W prmhrnmpW DE ISSM2. if your letter is received by Februwy 26, 2004, these changes will not Vey to your Acconau and you must PRY off any owsaodmg balances on your AccoW under you gocabk Acco" terms. Please retain dais Notice for your records. C PY* o Iron 1.t kbP Clue ere Co. AN R* knaves 003405 S1 SHP; V 4 a} x pa G R rl O '7 ? ? ?33..? 4 Jill Ilia 19 1 .4 j 111 - :1 .4 Jill - - 9 ]a s s .. fig W G y ? ? ? gyp! • }? • V R N ? M eft ? `? .O ? •? ? ? .? ?_? YY y 12 O ? $ 'tj ? 5 it ? w ?'j w fill! ANN' 00348a - 7_ ° 7 7S r c 7 x t J i M ?, g s L V Q N = C S d `I `.7 M L w el i. I ?a 0 -3 e'a a " -?? E 9g it s r - " e. 14 =L A3 d gs?j B " ., - E . o. - 3 .. vi y jib", 'fill [is ';4 In j a siffin it, III T 003485 c c L S •C L? i? X a .: 7? O a V rt x 0 r s g w? Y a'? V C J?t,GJv C F q ti 4- Sd q L x w I a J L5 a. ILV ? gi I.: all . o o u s. :s ?V-2 a g sQ a S ? fig V b g! u 1i a 41,11 1 i q y t[ b ?'3 a a jzs S 1414V? w a "? sa a 'ads ?i 4 Mil uZ w 6 $L? e41 s PI?911 oil 003486 Via" u?k c?°3?3 Gas 1 oil pill 1 C .1 ? Y w • C? C r ? ?? r a 148 1 ;r S 3E t s ? I rz 911941 . 9. n rr C ?s?i y ? d s?. all, s? In "Ss s 'if ilia; 54 M s Y fill ? t lit xl 9p 8 00348# ?i . CARDM AG?W GENERAL TERMS t. Msauhq M woo used in This means this document (wfdch has a; j% Pion that May affec your right to go to cou and r your right to rt, your right to a)ury trial, raenp Pate In aa?class action or other fnidal appear on your aro carrier=1*Q a may as either mat be ?0 Your axsO pro). You,' r or amended from *m to tkrae. M Q Apra resment, ' n 'yo -we.. apphod for the Account. unt. We," seas" or our' means Chase ftWW Account. "AcBank cou msar Me Visa Or UUWCW ' the Issuer of this *f" YOU were issued cards and checks *Mfkft A MW Account number. "Autlroriaed User" mages any person to whom Use re Vasa given permission Mier s isiuOd ?ntwith means Account. 'Check" means Corws*mx thaecks •ATM• min Automated 7e11m Machine. "Our check" mgrs a dit drawn on u? one of our affibetes. "sdkr" mum any merchant, 2 company or ft agent or broker. Purchases iron TIMIS Aaxseat. This Amount rras?r be used for Adores. You MY Seller VW accepts the Card and for =??you r Account q? Per" to be made an a or any other manner. 0 the use of a Card 8 your Card. Au#*dM . To Uan VW Csrd. You must SP the P111011 on the back of on the pa" of any additlonaf Cab Qft. s) should P sign their s pa" on the butt of those For the Seder's name, e, a have to sign your cc a W* slip that has your name. the Seller eotraplete the sates slip ft slip xwnt for younumber on ft, unless you fet you. d ifasr PAMPS hNNN for This AeMet. You are responsible for all arahouris good on this 2. whom YOU permit to *Wn ax on chsrW Your Acco ntYg(such other Person U-" a Card or bndlir? Your Accou? IN Your t with actual. k plied d or aauBaorily, You agree that ??d br your Ahxouat (or "no to wtwm you a who is issued a uqwb@d 10 make charges b your Amount b te ss same exxttent is as s ue of youYea and we are not rrrPosible for Such f will SUS urhtilsech revoke it by r ca .... AIM Mft YOU Possession, andIt la a Card fsq d to Can Authofized ard in your I also cutting it in half. If YOU receive a benefit t from r Your Card or Accountby use by of considered uatauathorited arhotlher person, such use wig not be repay the amount owed } Wjhe me rare Authorized Users to nuke Your Crrit tbs. Your credit IN is they ? on your nayy o Acooaaat at any time. You will be told On most YOU aaimtr d ru credit line. You may not use your Account in any way that would 000609 X... imse oar to go over your credit Nile. You mey also be asked to M for any amomt over your erect iris. we may and np ycwcmwwe ore the amount of your credit line a+nllable credit for Pundnetsee into Advances. 11 the credit k 6. 0409diallt Fee. ite Is changed or limited, you wig be notified. Finance Charges andharryu 116106 and ?eS ? my Box 1Account is over your aWft line at die aid of a blihnp cycler them 1 be an Ovsdkntt Fee as disclosed in Pfkdttp Schedule It This tee WIN be Imposed only once durifV the billing cycler, but wW be intpoW In each bf?p cYca diet You are over you credit line even if we authodne the transaction that causes your credo be to be exceeded. 7. A"mal Fee. If there is an MMI ? for the Account, you will be baled U*AnMW Fee disclosed in rig Schedule Box 7 w hether or not you have wed the Account Iff your Annual Fee has ended been waivvd. will the wwill be billed when the cancer psi has The Annul Fee is continue to be Oiled on at annual basis. 8. ftymew. wn-fefundable. in to crust be made arnd received by us Paynrwd aratr>rMM that wftwhcwdam 10 a* appear pes. P471i our nu envefoon or Doilars and draWn on e UnW States Po United States f MCW 11MiMon or th stal p ervic . In our a* discretion we will decide how to ap . Aldtouph we post your pWoois as of the b ply your usiness day we receive theta as dateribed an your swa ants Available Cm* may tat be reallored for to 16 Your Total Amy pct your up days after we less titan !? " dud Which ? Nu frond us for a similar notation or" w'° in hY?" or warn of a disputed amount joandLQ You ollarwlae resider in full satlsyection at the cw dlbenel p"Mants l. must be sent to us SMWRRRL We reserve all our WA Mon such dc mwmkad ? depuleeoorr 0 an received at any other atoms, we any refuse two co pt any amch daclCn Mok np balance. yNo?ue may t q eg it or by d>r>troyk>p It AN add by resuffft it taYme wrl uId be sent wdu1°nt address adawn on your merwtlnlY 1.6OUNWAMRS. pen?Nt p Fos. We may M our dlocrebon to to gYou ' "*A er funds from a wlopoeN ? us co your bona!! Account. For each such Mpayment, YOU wiNd' w you IMmadiale Phone k ftV k 10. 9ou Box he in the amount 10 Faytaad Fos. You will be carped the lee Instrument C:n I Y10 Boa 10 for each dtecle or mom our s l is rawned to US np OF we cannot process order 11. iNayaussa h1m"L You may P eider the Minimum P y?morr amount lklat up b the New Balance. Your mstrucftm and recaNred by the *ft our payment day on the Payment Due One shown on statement Your minimum P b calculated rIAb t the New Balance and dedwmtlog is n"ounts 'in Can YOU ofhave:rO?fi' ROOM us Ind any rmt>dd slat About t Your ) and In. Box 10. if the PaYnaM O tlws 00 naftnum MOM P psyn?e? ?g amount is kKved I u. NO raw ! oe k 10 0 will be reduced to go nextnt paynt? ng amount Is less than that mloimum fns mkpnaas dollar amount, it will be m 'mum paYn" minkman dollar Imowt. B W"knu that F*M M as calculated herein it loss titan the Total i for dawn on your shimagn , w Mbtknum t arm the rr8 egwi Bte ToW Fittartce? n=W &W We add to your PaymsM any Pawn Oue Anaurtls std) oUr MnWwm in escrow of your credit Nile. The A?iwprnum = anywriounis be more than the New Balarwce. nt will Paym W. Tp p?o W & Lae 12. Lob ?n Iba amount ditdoeed Fasoe e&* Sox 10 N we do not receive in accordance 10 sh M F* ? w ueD s On the Payment 18. If Year Your monthly statement. P.OM or Cbeeh wine Lost or SION. If someone used your Card(s) or Checks wttlrout r pernrtlaeipn or h ihry are lost or>ntolen Can toll free 14, 000 41 ?1 You n"S artll or unite. WAi *BelMnpdort, D.C., Puerto Rico amde me Shan q 50 alines, 1 gr locatlona ca St&M?-2gg7 uow Y e to: . Box ? W , OE 1fM60-b91g. You WAY br liable for the in an WWI your C (8) in an. amount not b Owed a) am lost or atolon and ya li ISO to A: ad?ble for 0kmmwid?efy (241 Mows. You war m br watMart us in the canner row - above M it or before the the W only-four (24) hour lime N 14. Cord whorlaed we occurs. an x 110 br UN " Services such a MA otNnOti ads MY 15. !1 Your pas/ err!hair N naleaetl. We arenot restpawalwe It Alth a Seller, Bank I ATM refuse to hoar your Card or due W apparticular i rlra ?pn we sumori or, in our wNscrelion, ill any other approp ressondBficrYies . requi ebePoreabove a Car* dolor amount may number of haaa iorle YOU ate a IVa"aactilm n rlonaayWproved e u s. Tips Is dos for securely reasons. aone day nd as swwch tithes imite ftha d by 1101 listed Agree how tha MW. we fl o ? ? VMft Am be respo an this 'We ff overimpr delinquent utltorizW n font 1?nour sacti n smt is be declined. 000610 16. ON** 810119aeab. Each month there is a dealt or credit )SUM of more Own $1, or a Finance Charge has been imposed )n your Account we we mall you a slabment 17. Carr Fee. You WIN be charged the be disclosed in Pricino Schedule Box 10 for sake oriphhd or copied on opp?? statement, and copy of cry other record or document you request. The fee is rot owed If a request for such record or document reveals a error or unauthorized use on your Account as defined by Reserve Board's Rep, 1s. INN "Hrers. ff you have a dude r Amount, notify us as soon as o aboutyouccountt, Errors or Phase read the notkx of legal rights ur BiN.' This notice "In rns Cane your errors and defenses under Fedmal Law and how you must no0 us. It any adjustment is made, we win credit your Account. It. raw aaearsienr It you effect a WaMction with your Maabrtard card or Via card in a curiwiny other than U.S. dollars, Ma"* Card Intermgonal Incorporated or Visa irhbrrgtiorai, as propriete willrmUM oonwrt"yaorgVisprapeinW into a aaa U.S. dollar amount. ICardMtemI V411 hha its oonwMon propdure. which is disclosed to institutions that issue Mn%rCsrd cards or Visa cards, M=. ?l Or ft Currency Vim conversion rate tied by Iftnallonal to determine the Iransacion amount in U.S. dollars for such lraaastions Is red either a 0ovsnww*_M? ra or a uAroNseie rate ,am wan d k1wral nai or Via NNertadonal, as app irapriste go "on Drooaet, Nhcnped bbyy auu oyde In Which fie ftnaction is time b processed, erCa?d time ? fatarnal ww and Visa?Mbna miial, respectively. currenq conversion am ??is In dUterrlNdora btyor Irob that t4a IlftiIIII1111111 On 90 90 fotK ? oniffer from the would "aq ? ? May or bsnssotion date or the cardholder abbm ens The adNr n*M factor fiat is part of she currency posting conversion rate Is one percent, but may be changed from time b time by each MV ?? oa 81WViUM into Wp ft For that murst be oeWerbd beck Into a foreign ammnry because of a ro conversion ra 00MMIS And tund or cow reversal of the treaacdon, the wee currency W 20. Fwop Carrsaey Raaaaetlea . For e?transaction in a111 for Wan panncy, We will ?Ot a foreign iahaaclouu tee 1 m 10 nn ups amount shown in Prising Schedule Box may be Alftsviled as 'ftr. .Fee.- amount. This fee 21. AaNaristisa M Prssib 1@118M ON. You authorize us to ftia s or?bin lion you and your Account to our 4-W hose ,=w name or mark appear on the Cedes tow Cdm rights to sham Information and your right to regarding our o Information being claret is provided M-out of car first receive an Agreement and at Nast' Once each calendar year thereafter. Ya 22. iDlgrNfq OM M Wom etlM P-poAN to credit Mrrsars. We hKnieh Information about your Ammint to credit bureaus. Ycu have thepy" to dispute she sccurX Wilmington, OEEPUM' 6?W g us at PO. Box 15823 x!. t?Wgo 1lanM of We M.T sibugs any of the of rMtl n dft by willnnpotti notify w you u or by such 4 or nhocfyiho plying tam. any ?i??ecs to this Agrees gn?to aNm4- uotd? 1Y dirplaw. Any ? ?s80 +nYyonusrw tmnuactlons on your AxountWe ur Account to anhomer_ Aooo any M Mounts owed on y this A?proement will 90 be in 0101 ¦? ,Ny f or will have our rights in this Agreement b the ehtaht aWprhed. td. Oshatt sort 0 0800 Easb. Your Account will be in default and we can reghdre that tfa torsi eubbuding balance be paid if: (1) tail to pay arty amount owed under -this Agreement when duel (2) you wceed the actin INntt ii Nfact on yyoour Account; 3) you do not nohow Ve ? of this Agreement; (4)1^our oft- to pay ua is m&#* it P*o (inctrding, but not Ifmibd to, or fnaolyuaay proceedings Im are or by a+Wine you juj?vs t you ; or (5) you default on MW other loan t or ahho n rdedhor. We do not have b Wk you &Mand b n an defau any. as order to tape this y lt, hhea mayy, as paunched by law. cancel y0umquke you to pay ft Wlpald O IAA pemmin ?emontfi to Pay drum at die rate of two (2?(,) a on the unpaid banshee when we deem you r Accept to be six or more N qft putt ANand "Wre You to pay FW and othir oo 0a?e court costs amounts *ft Mw;urnd by us In the Mteo?ectbn of any you owe under this Agaement. 21- CIO-011111 You wiI1 M' a ay cliff your al?y? for Mng Vow Card is y pro ? on Your Account. may not be lrprttfsrwd. N stns l y*u M YOUr AocKft It You am return there. M w may be Provided fservices to rom 111100 dbmortbnelbedbtn "Ou Account cancelled an mot ppaerAt of this Agreenhsrht and may be changed or any iime without notice or rftnd. M?tfa tMitstt 4w. w ?Any?dispu?te c laws. On1 ammo MW item In this Agreement will be I those 27' Templhap ya"If, You agree that your telephone US May ! improve eusbr w? is be riy. and recorded to we?nay delay ?o?ng or not e?rdorce Any Of Our lights any of them. under this AOroenant without losing p• SIM261111Y. The irmildii(??rr of any provision of this Agreement shall not affect the vefidity of any other provision. 000611 V Canaaaaar 3 r9 rb from Eccou"nniy •. We nary obtain consumer Credit exlaam us on y00 a any lane in connedion , or for of other Wcredit o mftted purrposeess.krount, to review your aPECIAL RATES 1. :Palal FAM. From time to time we SPOCIMI traPerinosdfiC Ron and terms o , n your Accou ente you r tiansar ?rs UMV Special checks Of other transfers which twee pf °v`WO °f wrbai its for such Transfers" for purposes?of th to honor (referred to as "Balance AO?aenMrrt) or for other offers on your Ackaunt such as In rod reduced rate offers. If we do, we WIN advise or other VAN how loco they wit be la you a theMach wt Y ppIy ob.. to and the raps that BOOM the WIN W* a fe wy expire. Tie terns of this to such rates pecia rata. 0 a spew rate is v? fha'Va14% pate» ? terms of this Agramertt pliclu khq the P%? dub) Will a pply. Yo ular?/ an?specal rafe Ma b offered you and any nqulred minimum rhp by th1e raYmeti loll to make N of Due Owe. You kin0?immoviw to and Non-Pnferred one the bll " condition of the Preferred Customer Pricing E ' Agreement. ity section of this 2. Balsas Transfer Trans"OnS. Balance Transfer truMactions we trealed as Purchases j=0- xcept aS rated In this A rot greement or offer we make to you. TIMSea msocpons will grace Period for Phxclhssa, except as stated kk IIM M rmS be any Wlama TMWW albs made to you. bwe may 1=MraTransfers and the Mbbdp ? "Balance Transfer." It A Chec k?of der tma Bath Balance for TrarMler trarsaaUorn is used to pay any amounts ce owe to ay= Chess lama or ?Panf: is made payable to ash, is by us and to your Acoolint after the sxpir"on?lo of theeflar, la ?ri not tnmfer -balances you owe to other fetxeaditonrsp OW does jWD your 4CSOUnt, or is used in any way not gmcAed in - Nfer we make you, we reserve the right to romot(ona nhse to honor that Mane Trans* transaction or fo treat it as an Advance. 3. TranssaNsa tie for ftkM Ttassfer llanalladj For rake Ba nOe Transfer transaction dWdbW in any aft we me you, we may dnrge a Transaction Fee FNNAK9 MAR" fh foe Inpy the be ruCed in Our 8011111 IMICIrItibn mount dieckjoad 10 PrICInp Schedule Box 9 offer we TWO foyou. Transaction Fees an dart of the any the additiaonh of Balance Tnm a TWi8aClW feen Ficande may rf e. knnual pate for Balance Transfer cause 'e WOW the Annual Paroendge Rate ones to statement. your T®1111E FOR ADVANCES t' Anion. YO. M Advance b a cash ban or similar W 111110 an Advance aa folim. 1) US Omitss. These Cllocl ny ?r C your whose names an pr=,Ono16e Checks, We WIN cotar?s?) these Checks. 2) Uthtp any Of our ATM or Sahnayyr ATM, w* may be pro ) U for Your use by another arenelal or co mpanry. 3) l>airg a Cash Advance ali. Cash _ps Or ftm st from any of our bm"is check malled MY bank that may be SccW 11110 Card. 4) loyour regal ties . $) usino caws service that may d to your savings or dkq 00 be dhm acocift. Which may you to tae Advances on A nt. s6 Urirtp s Pthis of Kerns ) into tnshsaetions that involve the purtcMSe urchase Con"rtibb to ash or thrust trartaa VM. which we transfers, Advar caa, W4 ding but not limited to wire may 'res' &a tons, money orders, travelers eheeques gsmmIijnV? fo as Cash Advances or ft• Advances may also be nferrea 2. 0@CMW CMak Fag. You will be disclosed in P<0 Sdedhde Box 10 for each the fee Transfer check blued which or Balance are over your credit line orWould be M such because you dMdc were Pr°C $imp or your , Account is doom" or wow. ?P'aaMM Fee. You wig be in Pridnq Sfcisdthb Book 10 for sach nq charged theme atop Payment an a Check or other loan of Adkiarkee we nab on for us to Provide your behs =with to anpl a con p?K request. You must pMaaS:uy?uwrkh any kMonlo"6 we reasokybly ngWre in okder to or - have to honor ? f pay MM"M ?ISt=0 We do not we have other loran of T= to ad on k 6sbMgkunless not be N* b any way fo? Y for P"ment. We will requestthat se r or hg b honor Und +. L6aNcssAls -- . ForMsenasS41Mn1roman. b a limit lormath TM, there 5. *alwslfonands BaNy,t0Y,dr obtain. ach aSnheduo ? Any mum declosed in T pricing Transactio disclosed S - MW Will amount m??ouyntt of part of ewM?b171AROEr T? ?0 ion Fe Lion Fws nMy Advances to eoaoeed cause Annual PWWOP Dial, Rob orm on Your IMMOnt. WOW Your)) by pk Nagar Cho* e si ng a Check or our W-nm not you would oo0 over your ttradit tine; yj your Oft or is i7o?Wd, 3)?yoaow Cards or Chsda have been Payment check Postdated Check is has been anted or has MWW lost expirsd. if or Paid and as a Muff ny Check d or not Paid, we us not rMpona b ea You maeyr noCheck t use is pay any amours you owe under this Apnemem. 000612 V TERMS FOR PURCHASES You mry use your Account to Purchase or Mass goods and when maidnp guaranteed earvioas reservations or adwaricO ing Services deposits. TERMS FOR MUM TT ERS, ADVANCES AnuwxAFft 1. Cataalara of ft an Clwp far umma Tramwers Dam the Chan which is ddwi*w by r?Q Mamie Pert dice R Mis c iculatede SOMMaly for Balance Tr n*m Inn and Pundwims, but balance inclardirap new trarat nueduod) the "SuMage v drily daily balances Mlch may be Mw b tie %iie lrgee Saiinces") are ue101111ded br Balance Tom. Advances and Purim, and each such balance IS muldp gee aPP?able ddally Pw b be axw on Pwch? ftdmaft eg blo ue Mvara and Mdance Tmdw tianactlons and Amb? the transaction occurs or on the canna day a bl?rq on IN dote lycie received by us (whichever is Mer), or, ai our opt on, ?e data hdr?e to man n au d b your Account. Finance Charges continue Pe""d In hill is received. didermine h of UM foibw We For d7 in ahe bjjZ as PPur (anamce ounotr s OOM. Advances and Finance pgrpm. Mss and acxom and/or unpaid cycles) and add any new Bait from previous billing Pundaases, or oft delft to the Mars. Advances appropriate balance. We also add b sash "a balance an amount balance Of Balance Balance T? b the prnlars day's Advaam or Purchases WwW.ft e d* OwiO& Rate (or it Mon dun one rue could M SV§MQ9 daily balance ?t c NW *M. ft ?t the aPpNcaw ra). We own M PP1wj A Th 0 ? balinoes for oreaW" baM 1 •'W# the add all of the daily Purchases (fnlyp for Balance Tin, Advances and divide each sw paed"M8w days In llbalarea), and the Moft a. This us ON Mad 1M dwW 10 Your Acco Trmsfn, bn'fee a pu10?° billIVICS. WOW for airy #0 Is added lo Advance or Balance Trai b the apPro P Pumbase, This for compounding of Awn oes. AO"s0<neM provides Than " applicable daily = Rate &WMO day balance by the an the qqe TM, number o(days Pie eftp Res Rase. The daily Pe kxk ? 1> MAnnua Pricing Schedule, as d* f w I n" Mto Portion These the T?C S CHAPAS nfia:es Rate for Balance Transaction Fee are added to any amount of FNIAMCE GRAN stow oonn combined Cf1 E of Iq a Is a minimurnr FWmonthly AHCE Is imposed. Charge for Purchases Pub d well not be a periodic rate Finance on dme of day on on 'PaymaMPay Mw for on the y m the nmidbly av statemOnt. (This Is as the -9race oad finance Chargesk s for new Purchases b sire first b also Cycle In wft V ftg W WO PoSbd 11D iolm aZero or r e the *M M w '" IS NOINd to jaro by ith a " * Of day on Previous mmoM sigUM, ?° ? shown On Your must be in accordance with our prpnw lance T ljIM V ions. There is no Owe perbd for Ba statetherarsMr cairns of the Balance Transfer offer Pwb* 1111118- The re ws1 Oeaadest the a prate Period, and for Advamxs. i?'and ,??Rb the in are in cludes ? Atha I kx, a ? the P?fp mewie Particular rate that 400 to your Meson" bdormatbn for a rate and 1110 dMdowae bebw moarAooow#, VW m, iii ?abk rate as indicated by go r wwwf?wlfor an r abaaleG "w appMCbM"or a ouch isewww llo usdoPwticubr n in n th?St3radule). That rate is No pWr, f ? ? in a? r?s rb not apgy is NNW to the 'P Qmwm m N P? dM trztE' Clacbr that "M blow. When your Account p1?Aa?pbs? ustomer Pd ft corrdkwm, due "Preferred" tie When It *I not. No '31on.prafar?a?• law b fly; bdr arrdafter a um as ''elCures>t^ crow, on "Mw ft or R s gsuch s ll or "New" to refer to balances s ru e a n , and 'Prbr" )Id" to fo before r MrnPle, dMw t rams merry apPIY to blifficis C.MV k Inds. Promod and iii u the POSIS Account ?? T?ef abkcl to a or to balances ncurnd baba and after your for Preferred nabs ew a Non-Pnfarnd rant bOMMOS W the Periodic RaM for one lapeof balance on yowas In off . If ur Account is the same as the Periodic F MAY than and refer b Vx" oom lntd bbaiaraeNaeres' as Pub Balance Trarnfen or Advances as applicable. 3. Varlabb Rat". If tae daily Periodic Rate and corresponding ANNUM. FSKOWi "R Owl APPIY to your 000613 V. Account are variable rates (See the Pricing Schedule),?y may increase or decrease from one cyde to tuuoUbr. Y hose rates we add abased on the w"of n= 'Index-) to which me In, ?UALle upjTE margin rHterminend the fti nal If tiro Index is not published on the relevant date. the index Pumho usensferin a" Advancis Periodic Rare fort WIN set Balance Rate published in The Mew Yo?lr or an be the prime of national circulation sheeted by rue. Foo urposa?s should Agreement not , the brft Is merely a pricing Index. It not, and best interest t ccrvail you to represerd, the WNW or the rate available t toa at any given tune borrower at any particular bank time. acrd/ ThOdvaly PKkX for Balances Transfers, purchases relevaM date, and decreavasWhen th0- Index e Index decreases on he relevant date. An increase In the raft may cause you to A der Rararr h ? and a higher minimum monthyi Poo a Charge ocr and a lower mini muse you to pay a r ranee A amount by which the daily, Periodic ?A" Mnd1 on the Annual Perxrdage Rate r apru , coraPonding life Ili of Yom fo mount r Anyleparf? ? fban rim has ? no limimitt may flange. o " Non Prot hudule, is Altes N. Parr =WIN app s to Your Amount. Your Aocormt WIN be reviewed every month on r Show nt po to dete u•nrine its Mayedf?argew rates On each poses ? NobAviiiii for the 'and im roe Me*" rate (Subject to any minimum rate) ddpct in AQMw e l for ash oocurrerrce when you do not meet ns deutcrlbed below to be eNpidle for Proorrad your iftr+est 400 sea fault ,of the a`7orftlry 'eaMSwe r erred rtes wNf be cycle WMft on the 41119d" Wftlr the billing To be review date. eligible for Preferred rates tlro Ong conditions must be met as of the review O date: ,you have made at least the ll otil bas a ora P nto w when due on your Account and on credit limit on u8 and your other auditors; the Pant on yourrAAccr Amount I= riot ount has not bM ?r psi. any It you do not mat all of these Conditions. Then you will be in default under this Aorament and Your Account may lose Its Preferred rates. In 11% went, a Non-Pnftrred rate up to the apply to all e>?tip?er? (subject Aft to any rninlMUM rate) w l these balances wiN? and now ec lances on +r Account, and the are remain w . hew to a rued rate until subsequent paid in full. When we review your Account in ffa eligible for Preferred rates for nnowr PuAmmnft spin rclases?new Balance 10 000614 .. Transfers and maw Advarnces d, fora three paw not to exceed 12 months, tiro /olbrrinp wnditlons are met: your Account is open, You have made fire rrautr? minimum payments when due on your Account and on aN other bans «accounts with us and your otter txeftrs. the credit ow on your Account has been ViandNOa?inwyl?phs? MM27441 the a your Account has not our rights. such as our right to MNoroe a NOn4W*W U on existing and new batamices until paid in bdl « to eMoice any minimum Non-Prelirrid rate. However, it we do waive any of our r?his and there Is another occurrence When you do not meet did his conditons desgibed hove to be dgft hu Preferred rates, we may again hripeee a ftn.P uD to the maximum Mon4"femad rate (subject to wW mknknum rate) on all existing and new balances until thay and paid In full. We may obtain consumer credit reports from credit bureaus on you at any lime in the future. We may use the reports and their ceMaiti as wail as bhformabon about your Account irxdudinp W.PaGnt aidror ? history and your other raktionsh"- us and our aflilubs, to reYFE Account inclyp" lot the fo ferred raw and of ePurposes s liaiinp delarrift p?that may apply to your Aoaount. 1. MNIraMen. This Arb MOn Agreement Is made pursttro a transaction fn N1110110bte commerce, and Ail Act if be ben iloverried by and )? §t.1m r der themFede? s h amended. This Ahutration Agreement sets forth the circumstances and pprrocedures under which chime (as defined in below) urt. be feso v' ed by arbitratioe Whiled Of being litigated 2. Chtiee Cerrared. Any claim or dispute (`Claim' which term may reier to more than one claim as is appropriate, for the context in which it is used) by either you or us aOakist the other, or against the employees, perits or assigns of line other arising from or rehtinp in any ray to the Cardmember Agreement, any ?vOf ?? , your credit card Acco m Or the Account will, at the Oman e?bcdon o? YOU « ? = of your ration This Arbitration Agreement QMW=Ma Clairrrswhetbr such Claims are based on W statute, contract, regulation, ordinance, tort, common law, cOnObkd*W Provision, or any ISO ftM of hew such as such Claims or legal or equfbhbk ground and d whether auk as equable ?Ntet?. Penalties to or delreeme y include Calms mpardhp the appficab<1y of this Arbitration AWOOM t Or the Vddky of the entire Cardr emmber Agraptignt or my prior Cardmember Arreaneof. As Mil In this Arbitration ?n?q the tern "Chem is to be given the broadest pouft reSONM by M VWN and is not ep° arbitration be to under this s h„o!! A?reenhent if (1) the only remedy that wit be aoeeht Will Seek a r' . ff.i i. c&t rwmw Wry costs aid fees: i(3) the excees of parties excluding '"rest, only parties to the litigation Will be You and us. If one parry rants a Chem to be resolved by arbitration, but the otlha party believes the Claim may be ab, wbject b lthh sapt claims Momption, the perly seeking RWY party that the hat the from the other amme and tMMUMM resolve the Claim party whing h to by litigation Will take no action now or in the liovmtqurae to ch.mge the aahmre of the Calm so that it wow no such r mart the conditions of tires snhail calms wells for. If reeaorhable ore WNW h not providad, ft Party seeking : Such %,= ON may require time Calm to be resolved by A, used in includes clem that the term 'Ybaims" &Mae the in the 1lmtlire. M a Peet. or arlse in time or Party ehch b abgrete a Claim, the be oonditcled as an in?dividmmal action. The Chkns Mat may be joined in an k diva" action under ids j o:=t. (a0rie (1) those bpyy? rheim carom mbaoraauihohmd of your A?°h,?nd, «you You Your WOO in M* later and a qft ms hero „?,o Wought by you «y Jokx caro your Aocoumd, or your heirs «your trualee in bw*nq by against us. This mearis that even t a dus action l4wsug or other fePOSSe1111tive action, such as Morse In the form of a private 11r1Y PO" action, is flied. any Claire balm us Milled to the issues raised in such hlweetis will be arbitration N You or we so elect. Claims subject to ar= to N ambit Claims that are made as inlerpleaders court may «Neet arbitral and wth 0 k atesib inaceedinp 01101113-claims, thjly claims, in advanced in ft lawsuit rat to any such Claims by any PatY or parties. For means CWfrasetdj ?. "we" and subsidiaries, affiliates, fiataees Nr, pared. "ns, any purchaser of Predecessors succcessors, your Account, and and all l jj their officers, 12 000615 At1MRMTOM ABi MO MT from or rea?tl a `any wry m the Ca rdmembe? A Agreementgreement, any Prior , Your aedR card ?.creem on j or th Xyou00 °f 4PPrOW Of Your yyAa:msouM will, at the 00 resolved This Arbitration ?g?eement' governs ail crai?q'?ti0n' Claims are based on law, wlatier such ordinance, fort, common law, wudtnct, reputation, , or any Ilepal theory of law such as auPanorovsllonany other fornedies; a4rdtable ground and whother such Claims Seek as is s. or declaratory or equitably rokl. C 511091:11 Arbitr include Claims repenting the applkwbi of this ation A?rbbnoo Agreement or the validity of the entire Cardmomber Aoreement or any Prior Cardmember Agreement As used in ft ArbRnbon Areement. tine term "Claim is to be giver the broadest possible reaoeved litigation and is ?Oobip. a Claim may be grWtratipn n 1 the sabjeet fo arbitration under this by alma n le() only rs R* fiat will be sought a (2) neither will seek a ro?v?y io 6x0068 M > Deny costs and fees; and (3) the only part" to' p??p n will be you and us. If one Party wants a Claim to be resolved b a noon, but the other party believes the Claim may be arbitratio Wooled a subject to this srnaU chims sxreptton. tie party seebno Party, "Ist the may 00qquul?ee roeson?le aveanronoe erom fhe other andFdons are true and that the Party wisIft to the Claim by mown will take no action now or In the Ifourtnuor?er to chttnpe the nature of the Calm so that it would no such of this Small Claims Mweption. if arbitration. may is the Claim to be resolved biy As used in this Arbitration Apiament. the term `Cleims" Includes ddm that arose in Me Pflst, or arise In the print or the future. if a Pally elects to arbifi tO a Cleim, the ar? (NM will be be Gonducted antra ?brdhan Individual, rj&W aft action. b rnacwnc that may are (1) tiroae brotpht 4y Ws apaNat You and Agroement rs OardMIRTAW, or ?otte0d veer of your Acbftri?of Your and any ayourHPP a Vilgaend to Mnkngetcy or (2) dwee lolM rardmmrbe, or autlaor=ized us roof us. Tt?nins or your We or your mom that even n In barkruptcy ropressnrtative action, such as a class in the lav form of f or other m o general action. Is AW, any, Claim a private r in such lawsuitss wi between us rotated to you or we !6 elect. Calms subject to arbitration Include Claims that are made as countembims, aoss-daims, thiro-Party claims, n court ? eOr Otherwise lect a?b8raGon 8 pury wfa Initiates a trroceedinp Mvanced in the lawsuit vratr rasped b any such Claims by any takiY or parties. For the Purposes of In Arbitration Agrsetrrent 'we* and us means Chase rtynlyt m Bank W NA. its parent, wbsWiaries, offiliafas, licensees, predecessors, successors. rsaipns, any Purchaser of Your Account, and alf of their officers, AdditionniM,lle, eve ? assigns or any and all of them. MOM any thi benefits, services, or Products with the (i?MMinnpp but not 616d to a%M bureaus, merchants that accept any an device lesnad under the Account, rewards and emotiment services, credit insurance a and ?tbclors, and sq of tlaefr 0d8cers, direclors, YOU as) it, and oily it such a third pp*V named by O0't any It, you assert aoarnst us. must o@I htkmtfm- ne the toNowp b g filing an ? aftallon administrators: American ArbittrgOn A6eoCiation; JAMS; or National Arbitration Forum. However, if we elect an administrator, ntor, you wily eI "notice of our elerxton to request that the rules of one of the other two arbitration admit To exettise Your choice, you mu$t us of r writing us at P. 0. Box 15933, r?, DE 19850.5.93 SWW re biro kraM°tion notice you iacrd steal which at the o administrators am Independent tyou choose. These not duct the arbi ?n us. The ad ducted and does rules of the selected Administrator by an Impartial third party Ue Aftni ° a?? this Any a?bitra Agroanent and ils the Selected administrator attend 00 be held at arbitration admirft*or a?the dwm by Me kderall ? or which you raw at the time ON Claim is filed or at some othebr p lace to which You and we Wee in wdbng. You msy obtain cWW adMici ostrfat the current rsrs. Information r s of h of the three arbitrntion fees, and kittructions fo arbitration and arbing the arbitration rs rag arbitration by contacting Amerman Arbtration Assocletwn 335 WIM Avenue, Floor 10 New ywk, NY 100174605 Web site: www.adr.oro 800-778-7879 JAMS 1 Main Street, Sure 300 9M Irvine, CA 92810 Web site: WWWlamsedreom 800-352.5267 National Arbitration Forum P0. Burr 50191 "11111141POUS, MN 0tio ?b www.arbitrsn-torum.com 800.174-2371 4' tr%til M atlrattbOn. A shale, e neutral Arbitrator Will ve CClleelms. The arbitrator wit either be a lawyer with at least ten years experience or a retired or former 13 000616 iudge. The arbitrator win be aelecmd in Accordance with the rules of the arbitration administrator. The Arbitration will he aConduc a under the or APPka* Procedures and ndes of the arbitration is filed Which Mass eMea on the date the inconsia m with this Arbitration Ptr>adures and rules are WW Agront wglMI- These PFAgreement in and ? case this the the unt of &IN" to you or us. The AraW limit bitrator wnapMic" subst ntive law font with the FAA and APO, atihtles of limitations, and will honor claims of Privlege rGC0gnined at law. You may choose b have a hearing and be represented by counsel. The arbitrator will take reasonable slaps to °m°r conft Cuvt onmer Account information det Indudin0 the use of and orders to pmhed diegosum osleide foe arbitration, ff Prohcbve to do to ward to by you or us. The arblMor will have the pows l a W j any or OMer WW Provided for under aPPbcabhe law, and will nom e? have so power to award Miler to, against, or for time benefit of any person who is no a i% T e arator may award Pw*ve damages ma or such any aw are dew arbitrator will'nake statement of reasons union ro?rwrft euted bbut y s d no ProviUpon a Of the ?? for ? r will Provide a brief statement 5. Cola. At your written request, we wig advance any reasonable arbitration ?g Of and baring em you We *od Ift uPeuLO the amomemtrepf Mb to P MW a Claim In aMWdon wYl reknbutse for the initial fee if you Paid it and VVy inearitq we will pay anYou y Phil on your Cbim. If fheus Is a Will for Mme Ihst tw111128 o Of #W Arbitrator and admire daysd I?? All olhar Arbitration fees albfwbsd in Neapkq with the rules oi"the arbitration ro mbtor Flewever we will advance or filing s and other fees Of the Arbitration admi?? id ro r AD Or ,?,, fts re is Pood. reason for _. ask use of the oodcauselor, so. "Ch and 4101111 of Ms documents and other ???d?940 witnesses, iwA for ex?tkVW the arbftrator I (as Pefmilted belowrj deteermining whetter a party thou apps ld " fir Applicable lee in costs from another party. any or all fees and 5. 1111111111111Y. aP/eals. You or we 14. sutrnnary or expedited " bring gel aclxb trot ny Cis ?to arbitration, or to stay the win Ntipatan of aOf 0 iurediOn Of Such actionft Arbitration' In any court having such palms are part of?? brb'nrarmceato enforce Minis Arbitration I at any Particular time or in connection with any Cfalms, will not waiver Constitute e of any rights to lepers arbitration at a lehr Ume or in connection with any other CIRIMS. Any 0466 al or different 891`eement between you and us regarding arbitration must hn in 14 writing. The arbitrators decleion will be final and bind- exce r right of Appeal f the FAA. In addition 11te nonpt 9fuda m award of u =award that exceeds ii00,000 or p?raet Inci damages. Any for on appeal must be tiled inP wAtin0 with the same arbitration administrator wftldn 80 days n Paxty of tatiue d the odgGgl Award FIC by WWI be heard the notHm"ling bbeettore a P"of tfuee neutral arbibators daitpgted by the same arbNn Administrator. The PWW will consider all factual and legal Issues anew. follow the some ndes that W" to a proceeding using a 8111 on the h majority vole. Thad tlb And Mob decisions; appeal imp by the ad"*d*ator sfWI be borne bbyy apppNnp party. FA A Award ei Arb?tlon will be anforasalmie provided by the 7 APP Ie law any court having rurisdiction. SevarablWy, M'11 1. This Arbkrdon Agreement shall survive:0 termination or changes in the Cardmornber Ag? the Acretsn and the mlauorw* belwean number wing the Account, such as the Issuing of a new you AM r asthe mE a of the bar wee In the Account to atnoMme awthor, Oak, or (1) "W blINIOUPtcy of any Parts and (iii) any owed on your Account, of your Account, or any amounts sny other person. M a me A?rbftiabon nt Is dawned invalid or unswoorcublet ining p SIW NveAheless remain In force. F OR OHIO tflfRtMM. The Ohio laws against disaimkntion require that All Weditors Mae auk &van" to mm"W hwo" customers sepw* Credit h?jafor?les ofed ? all epos request. The Ohio civil rights commlesion administers ComPgamnce with this law. N CASE OF ERRORS OR MOMM ABOUT YOIUI hill YOUR OIL4N0 IMBif Ti•REpr IMI MOTME FM FIITM USE This notice uretdalna important Information about r rights and our responOiWYties under the Fair Credit Bluing Act. NDVh Us la Case M Ewan If Oassbas Abe=t Yemu Bill u think Your bill Is wrong, or M you need more infomtsNon aboutiyotransoctidn address bled ynu? pj a bill. wrb in an a separate sheet at the Inquiries To: • YYrtk b us no tinier Won Bp) 'moons' or "Send or #0 the first bill on which the error or dip we alit . sent you problem telephone us, but doing so will no preserve your You can anon: In your halo give us the folWaft Information: • Your name and • The dollar amount of account • Describe the error and gkfn, 0 error. believe there is an errrorinIt you =need more information, describe the kern you are not sure about. 15 000617 (writing. The arbitrator's decision will be final and binding, except ?tOht of appeal under the FAA. In addition, the non- tgaudssy May ?pP any rd that ssceeda $100,000 or appeal must be am of pwftw filed in des' Any request for an administrator within 30? with the same arbitration dtrys of the receipt by thenon1wevailinp tarty of notice of the WVinal award. The appeal before a panel of mrse 1110tr INUVOIS 7fO1 be heard same arbitration adminisbaw. The Panel will all fk foal and b0a1 banes anew, follow the same rubs that apply to a Proceeding using a arbitrator, and make decisions based on the majority votsingle e. The Cost of the appeal Imposed by the M award arbitration M wil bbe?aMo caeMe FAA or other applicable low by any covet as =bh. the 7. SSVWW Pry, antral. This Arbitration larbrneryl . survive: I) termination or mes in the Card AOmerdm shall us and the p badsro r Account, such as the o number or no trariaterring of the balan<:e in lssukhp M a the new Account accoun tot another accoum: (a) the bawl n4fty of any party, and (10) any trawler, sale, or assignment of your Account, or any amounts owed o r your fit. to any other person. It any portion of this the remaining AVIsment is deemed kwalid or unenforceable, nPortions shall nevertheless remain in force. FOR OW RESIMM. The Ohio taws against discrimination mgare plat all credibra winks credit aQhpty to all Creditworthy antomers and that CrO maintain separate credit hbbrbs on 0ech Ind uupppioon request. The Ohio civil rights commission adminisfers compliance with this law. IN CASE OF ERRORS OR MOM= ABOUT YOUR BILL. YOUR MUM MBNT94M TM NOTIIX RM FUTURE USE xh -his notice ? contains important kdonnadon about Cr hts responsibat" under the Fair Credit N&V Act. Mtlh Ile te Call el Earn of OagYou Abet Vbnr Bill bout a hoMUV S*dnoahW aCndialwwgritsu or tsyou need maro kdorrmtfon yab w is a sOwift sheet at the lTO..1L n bit after to word(s) "Olraaiiorns• or "Send qukfes To:. write b us no tabr Shan OD days steer we sent you is first bill on which the error or problem appeared. You can Mph" us, but doing so will not preserve your rights. In your leter, give us the foflowMg InlorMation: • Your name and account number. • The dollar amount of the s error. Describe the error and e><Plapla you an, why you believe there is an error. li you need more Information, describe the hem you are not sure about. 15 If you have authorized us to pay your credit card bill ?Pth?ymafrom d on our aavin0s or aseddn0 account,, you can the payment your letteerr m reacchh us think Om bwrf us nesso days before the automatic payment is scheduled to occur. VIOW mean Ole RUNNNMa After We Rouke Your We Must gave Corrected ?tCr idiar n days. trnbss we within 30 correct the error or explain . 9D days . We must either t why we believe the IfiU was correct amoun r we receive your letter: we cannot try b COIW any finance two bill you jn W* o« VOW you as dal the amount you q L inquft can charges. and we can appfy any WOW amount Wren your wedt fine. You do rat hove to pay Walloped amount while we am Mveatpny, but you am 2 otm ad to pay the parts of your bit that are not in qNslion. if we tGsh? that we made a mbtake o n your ace. you win r4f have to teals bunce WAW uestioned If we did make a nn Q mo n YOU n to a MW 10 Ply bm dwilas to make up any mfzeed pays OR , and you will have the questioned and aae. we wit Serb you i alatemeM of the art you owe and the date filet t is due. It you fail to pay the maw that we fMnk yoouu we may satisfy you and you write to us with n Ism a? aPwl Willing You go ?rragous that not am ref as use to pay, we moat 101 anyone r you ban about yow Md 1M1 01 to that th anyone yw rspaad =to. W1 n? anyone wwee m?port you e mater has aOWed b hvm as when t firapy is. If we don't follow gross rises, we ani Collect the first 1150 of the Questioned amours, even If your bill was correct. 81000181111111118 Mr CrNIt Cad Pordmn If you have a pow, Om IN ?I you PWOMW with a s?adit a rrid,?arrd you qve eervfetried M good Rath b rrorraet on probMm with the ntertdruh1, you may have the dolt not to pay the rsmall kv amount due on the properly or at ces. Them are two tmtetans on this right: (a) You must have mate the purchase in your home state or, It not within your home d* wthin 10o miles of (b1 M ?Current matang address: and Pri a mast have been mom than $50. These limitations do not ppN If we own or operate the merchant, or t we mailed yoau the advertisement for the property or services. © 2002 Chase Manhattan Stank USA, N.A. All Rights Reserved. M•51s59 000618 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE LLC assignee of CHASE BANK/ HERITAGE FIRST USA/CHASE BANK Plaintiff NO. 11-2150CIVIL V. CIVIL ACTION - LAW C-) r. C= c STEPHEN W ALANDAR rr, M ?. o <> w c.: Defendant(s) r- - Co z , PRAECIPE TO SETTLE, DISCONTINUE & END .- CD m TO THE PROTHONOTARY: ' Please mark the above captioned action as settled, discontinued and ended. Respectfully fSumitted, By: -1 0 David R. Galloway #873 Fulton Friedman & Gull Counsel for Plaintiff LLP Attorneys in the Pra tice of Debt Collection 130B Gettysburg Pike Mechanicsburg, PA 17055 (866) 563-0809 CERTIFICATE OF SERVICE I hereby certify that a copy of the foregoing Praecipe was served this date by depositing same in the Post Office, first class mail, postage prepaid, addressed as follows: STEPHEN W ALANDAR 149 HENRY RD ENOLA PA 17025-2137 FFG File #: 281022 1? / ? David R. Gallo y Attorney ID #8X26 i IIINI I??I N? I}III IINI Ili I?III VIII ?I IIIII 118 Iill PA/PA_PRAESDE