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HomeMy WebLinkAbout12-7456IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE, LLC No: ~ a _7 ys(o C ~t Plaintiff vs. ~ CIVIL ACTION -LAW KAREN SQUIRES Defendant(s) NOTICE TO DEFEND You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by an attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET 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 -COURT ADMINISTRATOR 32 S BEDFORD ST. CARLSILE PA 17013 -~ ,,;, ...~ Telephone 717-249-3166 ~~ ~ ~ ~ -t r- ~~ ~ ~ ~~ o ~-,t -~ .c- x- ~p~ a~`1 0~'c~~ uo~u s sr o ~ u a ~+i,~ PA_0101 File No.: 12-639628 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE, LLC I No: Plaintiff vs. ~ CIVII. ACTION -LAW KAREN SQUIRES Defendant(s) AVISO PARA DEFENDER USTED HA SIDO DEMANDADO/A EN LA CORTE. Si usted desea defenderse de las demandas que se presentan mas adelante en las siguientes paginas, debe tomar action dentro de los proximos veinte (20) dias despues de la notification de esta Demanda y Aviso radicando personalmente o por medio de un abogado una comparecencia escrita y radicando en la Corte por escrito sus defensas de, y objecciones a, las demandas presentadas aqui en contra suya. Se le advierte de que si usted fall de tomar action como se describe anteriormente, el caso pude proceder sin usted y un fallo por cualquier suma de dinero reclamada en la demands o cualquier reclamation o remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero o propiedad au otros derechos importantes pars usted. USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO, LLAME O VAYA A LA SIGUENTE OFICINA. ESTA OFICINA PUEDE PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSSIBLE QUE ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIAS QUE OFREZCAN SERVICIOS LEGALES SIN CARGO O BAJO COSO A PERSONAS QUE CALIFTCAN. CUMBERLAND COUNTY -COURT ADMINISTRATOR 32 S BEDFORD ST. CARLSILE PA 17013 Telephone 717-249-3166 PA 0101 File No.: 12-639628 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE, LLC 28405 VAN DYKE WARREN, MI 48093 Plaintiff No: ~, ~ J ~ ~~~ Gr/'r f CIVII. ACTION -LAW vs. KAREN SQUIRES 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 t//o, the obligation sued upon, and was assigned all rights, title and interest to Defendant'stCITIBANK MASTERCARD account XXXXXXXXXXXX-5206 (ASSET ACCEPTANCE, LLC Number 11-2678095) (hereinafter "the account"). 2. Upon information and belief, Defendant(s), KAREN SQUIRES, has a last known address(es) of: 132 FAITH CIR ,CARLISLE, PA 170138889. 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 CITIBANK MASTERCARD 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~ast payment posted to the account on JJanuary 08, 2010. 7. The account shows that the Defendant(s) owe(s) a balance of $13 577.06 plus interest which has accrued from the date of assignment at a rate of 6.00 % per year, the amount of interest which has accrued is $1,118.55. PA_0100 File No.: 12-639628 Client Acct No.: 11-2678095 WHEREFORE, Plaintiff respectfully requests this Honorable Court enter Judgment in favor of the Plaintiff and against Defendant(s) in the amount of $14,6.61, plus costs of this action and any other relief this Court deems just and reasonable. MICHAEL B. VOLK #88553 RACHEL A. CLARK #311484 FULTON, FRIEDMAN & GULLACE, LLP 130B GETTYSBURG PIKE MECHANICSBURG, PA 17055 (877) 386-5383 Attorneys for Plaintiff PA_0100 File No.: 12-639628 Client Acct No.: 11-2678095 VERIFICATION I verify that the facts set forth on 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: ~ ~~ ~ r ~ o~ By: L. GI~LETI'E Print ame ..-- , Si ature REPRESENTATIVc Title with Plaintiff PA_0100 File Nn.: 12-639628 Client Acct No.: 11-2678095 EXHIBIT A PA_0100 File No.: 12-639628 Client Acct No.: 11-2678095 This arbsatiun/vpBOVlslo~ hall survrvr (~tenn naU ear changoe in Iho Apresmenl, the account or lha relatlonshlp botweon you and us condemin~ the account; (Iq the bankruplry of any parry; and (III) any vanrfer, sale or nssipnmant of your account, or any amounts owed on your ercount, to any other parson or snltt1lyd It any portbn or this Iho onllre a~bltntion provhlon etuq no! rernaintln foareaa~No pantos of Ihls arbitration provltlon may 6e amended, covered ur waived absent a written apreoment behveen you and ue. Appllcabie Law and Enforcing our Rights A0p erffnmonl et~w,bo gotrome by faded Imawwn~nd the law at South Dakota, where we are located Enlorelnp Ihla Agreement We can delay In enlorcfnpv or Iail ro enforce any ollour rlphta underUlrApreemenl wRhout losing them. CallecUOn CosU: II ors refer collectbn of your account Io a lawyer who u not our salaried employee, ou are liable for axpcn~et of atny host ed)on to tthe a>1om~permitt°dsbyaew. Acalpnment: Ws may eealpn any dr aN of our nphts and oDlioallan9 under Ws Agreement to a Ihlyd parry, Call rho tolLlroe Cv lome~r Sarvliceftoakphone nwnbar Chown un the bitting statement or on Ns back of your card. You can also call local or tod•Iree Directory Assislanca Ie pet our loluphona number. G? Kan Stork Citibank (South Dakota), N.A. Prasldont 8 CEO P0. 9ax 600D Sioux Fells, SD 57117 © 2007 Citibank (South Dakota), ,V.A What To Der Il Thera s An Error !n Your B/IL Your 6nllnp A/phlr, Xeep fh/s Nollce For future Usr. This notice contains Important information about your rights and our roeponeibillUes under the Falr Credit Blillnp Act, Aollry Ur In Care at frrorr or OuesBoru Aeauf Yeur Blll, II you think your blilinp statement Is wrong, or If you need more Inlormallon about a tnnucUon on your bitting statement, mite to ua (on a apparels sheet) as soon as puslble a1 the addnu provided to the Biltfno Riphls Summary ponloh on Iho back df your statement. We must hear from you no later thin BO days sitar we sent you the cantteMphonatuen ~iolrq so wll~nol preserve yourenphts In your hUer, give ua the following Information: Your name and account number, • OhescriM the errant red aaxpal~ln~ll you rtcaon, why you balNve Chore la an error. if you noed more Information, descrWe UIS item you are unsure about. • Pluse dpn your hUec If you eutttorized us to pry your credit card hIN automatically from your eavlnpt or chec rep account, you can stop the payment on cry anrouM you think la wrong. To slop the payment yrou must tell ua at lent Ihrae butlneae deyi Detore the autartutlo payment Is scheduled to occur. Your RIphL and Our Rsrponrrh/1/flex Akrr Wr Recrlye tour Wtlnsa No!!h. We moat acknowledge your letlsr within 30 days, unieis we Nava eonectsd the error try then. Wlftdn 90 days, we must atstemurt vni prnCl After wit recNve yourllervtts~ wi c snot try to soAoat ury amdunt ycu quutlon, or report your account as da9nquenl. Ws can continua to hilt you for the amount you unpaid atnooM rlgst~st~yaur crer9R Ilse You do nothaye to pay arty quuUoned amount while we are ImeetlpaUnp, but you ere aGp obigaled to pay the pane of your balance that are not in queaUon. It we Bnd That ova made a mistake on yyour billing statement, you wIN net have to pay an Onsnce charpea meted Io any questioned amount. If we didn't make a mistake, you may have to pay Nuance charges, and you will have to make up erry misud payments on the questoned amount In either cane, we will sand you a sfetemont of the amounl you awe and the date II Is due. II you tali to pay the amount that we think you owe, we may report yyou as delinquent. However, N our explanatlan does not satiety yyou and you write to us wkhln 10 drys telling ua Ihatyou atilt reluse td pay, we must loll anyone we nportyou to tttal you have s question about your bill. Artd, We must tell ydu the name and addrue of anyone fo whom we reposed your account Information. We must teN anyone ova repart you to that the matter has been aeNetl between ue when It Is Iinaly settled. of Who questioned tunount raven If your bitting stetelrmeni was correct. Speclrl Rule larCndll Card Pursharer. If you have a problem with the quality of prdparty or seMcu That you purchased with a credit card, and you haw ided In Rood faith in correct the problem with the merchant, you may have the right not to pay the nmalninp amounl due on Iho property or aervbee. There era iwd Itmltatione on thh right: • You moat have made the purchue In your home elate or, If not wlUdn your home slate, wtthln 100 miles of your current address; and • The purchase prke must have been more than 550. Theca Ilmitatbna do not apply it we own or operate the merchant, or II we ntaNed you Ina advertisement for the prepeny Of 6aNICOS. 0 40x7 Gaeenk (9o,M OaYONI N A. eawsea v, oavr oasts wror CARD AGREEMENT Thle Card Agreement, whkh Intludea your card carrier, h your contract wIN ua and poverna the use of your card and accoum. The card urrhr eontelna Important accuunt Iniormetlon, Inoludlnp your annual percentage rates and the amount of arty membanhlo tee. plaaae rud and keep ffmsa doaumenta for your scar s. FAGTEt ABOUT RATES AND FEES For complete Infrtrmadon about there facts, please sae the meted eectlona M 1hR Card Agreement RATE8--FINANCE CHARGES Pushers and Cash Adraoce APAr: See wM carrier. All APRs based an the Prima Rale may bary each Dillinp period. P ~UnetRiGPpp~lova up to T9 r89 ~ uhaupato 2 99 ~ogwhlobever Is Vruter. All APRs ma aulomelicaly Increase up to Iho Delault APR If you Idl to make a payment to us when due or make e Dryment to us that h not honored. Minimum Finance Ckarpa; 50.50. TRANSACTION FEES-FINANCE CHARGES 9alenoe Transfer Fee: 3X of each balance Inntfer,;5 minimum. Purakater Made In s Fontpn Curronay Fee: 3y. of each purchase after Ira conversbn Into U.S. dolkrs. Cash Advance Fer, 3X of each cash advance, ;5 minimum. OTHER FEES late Fee: Sib on Dalancea up to 5100; S29 on helancea of 5100 up to 52b0; 53B on belancu 01;250 and over. Anauai MemhenhlF Fu; See card carrier. RHUmed Payment Fee: 53A, Aelurned Convenlenoe Cheek Fee: 539. Stop Payment on Cdnvaniance Check fee:;39. Rnea, fees, and lemu may change: We may change the roles, fees, and terms of your account at any time for any reason. Thus reeaona maybe baud on Informatlan In nother credltu when due, amounts owed of kosher creditors, Iho number of credR accdunb oulspndlnp, or the number of credit inquiries. These reasons may also Include compeUllve heaeareeeonatypuawlN nneNo adwacc notlceaend a right to apt out In accordance with appllceble law. necmml: Iho rolatVvnshipCo labl s''~d between you and us bS' mlc Card Aprcommtt. APH: annual percentage role. aulharlred urer any person you aaow to use your account. I~IudI peaccounrtnumbera,Ihalrwa Issue to you loeobtaln credit under this Card Agnement CrrdApnrmenf(prApreemenQ: Ihls document and Iho card tattler. we, us, and our.• ClUhank (South Dakota), N.A„ the Issuer of yvuraccounL accounluand a~ olu er person ~o ponalbli lloroompywltp wIN this Apresment, Includlnp the person to whom we address Ullllnp statements. YourADCOUnt You agree to useAAyyppour owount In acncpordance wnh Ihls canool your acceuntrwlNln 30 d yt after re eMrip iheywrd m of pay ua to~all amounts duondyoue account a~~speclled In tnls Agreement Your accourd must only ba used for lewlul tnnsecllons. Authedzed Users: You may aAOw authorized uaert to use your account You may request adtlhlonal Garda lOr aulhorized noon. You must pay ua for aft chargper made byy authorized users awn II you did not Intend to be reapanalble for those Olvarluuan oauthodersd near to us evcied oYtoeusolyoianaywounL Revolvlnp Cndlt Llhs: Yourlnldal revolvlnp credit Ilne creolt Ilno Is tvelalableGto buyrnorslfulee pmpoode or uourvket whore the card Is honond. part of your nvalNnp credit Nne, celled the cash edwnce IImH, h awlleble for rash advances. We may thanes your revohAnq credit Ilne or ceah advance ArWt rat any lkno for any reason, We will noUly you of an change, bu! the changa may takt effect before you recelw the node. ppAeaute your account hu rro pro•cet sptndtnp AmA, we may to aKOeeduyyournrsvolv~Yaip credltallnreuThsyse cherpei will b accounla wl~e s~a d you exPerolence with oNer cndltors. If we author@a Nese sharper, you mull pay, as part of Galen a alxca ds yournrevalvlnpecradlt flneYlnclvdhngoamouMs due 10 purchases, cash advances, Ilnance charges, lees, or other charges. AIIIInp 6lalemenh Your bllllnp chfement shows Ne total balance, perbdb finance charges, lees, rNnlmum amount n olvlap cheddwhineuihd cash adhnce Ilml an Uemlzed Ilst of currant onarpea, payments and credos; a rate summary; and oni idd you You must notify yCuhomer SarNce~tif a chgnpe In address. If we deem yyour erxoum uncollttctlbla pr Inalflule cdlrcUon procaedlnpo oy sending It to en outside epencyor alltrrney for coAoctlon, we ma slop eendlnp you statements. Pedodio Nnence chtryes and fees conllnue fo accrue even It wa atop sending etahmsms. oral a blHlnpqitatromeO~To de~rmhe the Naw Balers enwe beWn wRh tM tohl bthnce at Ute shit of the bllllnp period. We add any purchases or ouh advances antl subtract any credits or payments credited as of that billing period. Wa ihon add any parlodfc finance charpas or lees and make other ad(ustments. APRs APRs Bated on Prima: We alculate any APR based on the U.S. Pdme Rale (`Prime Rate') by adding the a pllcable amount that appura on the card carrier to.lhe Prime Rale. For each bAArq period we use the Prime Rete published In fie Wad Street Journal two hudneec days prior to the StatemenVCloelnp Deb (ppouur that bllllnp period, If The Wed subaatltur~rqp~jmjVapubtlched nteeA chanpealn~ui APRYdue of l dhlAlnp pedodPlorwhkh wpakulete the APR. We aPPIY the new appllcebh APR to any exhtlrq bahncu, subject to any promotlanal rate that may appy, Delaall Rete: All yourAPRa may Increue If you default under any Card Apnement thetyou have wIN ue ttecauee you fall to make a ppayment tc us when duo oryou make a payment to ua that f` not honond. In these drcumetancea, we may autemaUply kunase your APgs tlncludlnp any promotlonal APRs) on elf behncas la Ne Default APR, whkh equah the Prime Rete pWs up to 23.89x, or up fo 28.98%, wNchever k realer. Factors cpneidend In delertnlnlnq your Dofeult APR may Inclutla now loop our account hu been open, the Nat yourhive wPot ua, or other k~luQons of account Dement lormance, The DefeuN APR takes eflact as of the first ley of lha bIII1nD perlotl In which you default. We may Icwar the the talents of all C M3Agreemenl8 Natyou hnvelwlN us for alx consecutive DIIIInp perbds, FxhUnp 6ahncea remain su6lad to the Default APR urttN paid In lull, unless we tall you otherwise. EHtel of APR Inoteues: Ii an APR Increases, pedodlC Ilnance charges Increase and your minlmum payment may Increue Perlodlc Finance Charges BasederOpn APRs Inarhiae ctteryeathat ire idled tndyour accou t whe° wa apply the appllceDle APR to the balances an your account. We calculate pedodlo Ilnance charpas sepaenlely for n~~ balance steoderd cash dnnceeaand eaudtmnnpppromoUon~l oHer~Thoelotal perlodh Onance ha p~ forheich IDalencet for ettuct~i dahyotnatil e Buhnp perod. This method of catculaltnQ yerlodkt Ilnance charges results In daly compcundlnp of Ilnance charges, When Perlodlc Rnance CherBu Bepln to Accrue: Perlodlc It Is dedcod to he disy Galan a end continua toaccrue untA payment In full M cndtled to your account (Charges Include purchuea, balance Iranslen, peh advances lnnuctlon fees, other lees, and any minlmum Ilnance cherpe.) You can avoid perlodb finance charges on purctpsas (exdudlnp belartca tronafere) thu appear on your current blBtnp alabment Ippl~yymentid a deli on Nat elate ant ind you pay yo rhNew Dalana 6y the payment duo date on your current ahlemenL II you metle s balartp transfer, you may be unebh to evotd pedodlc finena charpee on now puroltues, u detcdbed In the balance transfer after. Caleutallon of Perladlo Flnanea Cha es: • For each balance, we muAlply the des balance bq the hpltlcaPNa deity perlbydh rate. We do N for each des In the d''IINI~ad GY3li6 A bllllnp p~r od begins on ~ dsy if~teraha ShtemenVCbalnp Date of No provlous bllllnp period end tncludoe the SfatementtCbslnq Date of the cuneM bUAnp period. • To pet the dally balance, we take the beplminq balance for each balance Query daeyy (Includmp unpaid Perlodlc flnance charges from revtoua bDAnp perlodo), add any new charges, ba once iubtrod any trolls o~pay ants c edlhd ueef chat day, and make other ad)ustmenh. A credo balance Is mated as a balance of zero • Wa atld a cherpe to the dally balance as lollows: We add on the bAllntgorlttamenLPWe add a belanceltraneser o~cesh advance to the appropriate balance u of the Post Date on Iho stshment, a add arty tnnuetlon teat Ierpurohasee, balance Inne-ert, or ouh adwnoea to the same balance as the fnnaecllan a of the same date the trorwcUOn le etlded to the daAy balance. The Poet Date h tlN date we nceNe your rogwsl for the balance Irensler or cash advance, Indudlnp s nquaat that we ~omplate s balana lnnafer or ycaosh advance conwnlence chock Ior t apectlk amount. II to aomwne~fAe Po troDate Is th dale we reawe thercheck for payment. • To pet the total Perlodlc finance cherpe, we add up ell of the loftryy padodlc Iktutce charpas for each balana for each day In the bAllnp perod. f theoa181emenl le theiverpe of thebdallyth lenttces duhlnp Then bllllnp period. II you mulDptyq Ws Ilptrro for uch balana by the number of days In the billing pedod and by the applicable uietaped for Netebahlonce uexceptlopemin~ol~ w la~lons caned by rounding. Mlalmum Flnenee Charps: If the Perlodlc rate Ilnance charge warkl olherwlae be leas Nan S0.6D, wa assess a minlmum FINANCE CHARDA of ZO.tio. Wa add IM amount to any 6ehnce that h esaested a finance cherpe, Transaollon Fees a d APRrcf ~n Feve tea for a balance tender, a purcMee mica In i lorerlQ~ action curve or a poh adwnce, the tnncaellon tea wilt cause the AP~on Ne blllnp statement on wh~h Ne Irancactlon flrat apWan to exceed your nominal APR, Treneeellan Fee for Bdtnoe Trotulorc: You obhln a balenoe transhr If you obtain funds Through a behnce adwncaeco vkaiynaactttaeckbWitreat~DNalanceskuhteesas purohue6 unless otherwse provided N Nh Apnement. For each balance trancfer we add N addltlonal FINANCE CHAflDE of 3% of the emoum of the balance trensfer, nut not lea than ic. Tnnnellon Fu Ior Punhesee Matle In a Fontpn Currency: Far each purchase made kf a foreign currency we add an addlUond FINANCE CHARDE of 3Y. of the purchase amount after Ih convenlon Into U.S. dollars. Transocllort Fe a for Cach Advances: You obfaln a cash advance II you obLUn lands through an autonuted teller Ilna c1al InellMiiHnnnmakle a wlroelronsl~r obbhl agmonoyy order, traveler's cha:k, b„cry ticket, aslro chip, or similar Item; or engages In a stmllu finsactba For each cash advance wa add en eddNlonal FINANCE CHARGE o13K of the amount of tho cash advance, but rot lass than $5. Other Fees Lele Fea: We add a late teo to the alarMard purchase Delanca for each bNllnp penod you Ia5 to pay, by Its dyuoeudate, the balallmce as o(th~ paymeet dlro date. It b 315 onr6a~lances Irp tc 5100, S29 on balances of $100 tq to $250, and $39 on balances of ;250 and over. Annual Membenhlp Fas; We add anyappllcable annual membenhlp lee to the standard pumhue balance, Tlds fee Is non•relundeble unleu you notety us to anal your account wlthln 30 days at the meter or delNery dale of the blllinp statement on whbh the fee Ps Dllled. Aelurned Payment Fee: Wo add a i391ee to lhr standard purchase balance If a payment check or stmllu InaUument Is not honored or !s rolurned because tt anrlot oe procosaed, or hn IUsllpmo y u~lheck tx p ytnenP is not h n'ored,lavsenall It Is honored upon resubmisslan. staneardidvince bol na jj we dec9 a to honosa convenbnoe chock We may dedlnl to honor These rdlecks It, for example, the amount of the cMclt would cause the babnca to exceed the cacti advance Ilmll or revolvlnp crsda Nna, II you doleun, II you dkt not compywith our Instruetloru regardlrlq the chock, or if your accoun! has been cloaetl. Slop Payment ea Convenbrlee Check Fee: We add a S39 fee to the standard advnce balance II we honor your request 10 stop payment on a comantence check io rto payment on South Dakota 57117, owrrweUuthetCustom~r Ser~yIselnumDor pn wrlllnpl w~lh nt1 days'fA wrftlen sop PaaYmemtto dehremaltns m erlect 1nr a rrwnlhs unkea ronewed h writing. heck must betln me fomtalt wyj jagyelenu~~~dkaccordlnp tv any InstructlPnr wa plus. The checks must not ba usetl to pay an amount owed ue under 11116 or soother Cud Agreement That yea have with us. We do nal certify These checks or return any such chocks that have been paid. Information on Foreign Currency Conversion Procedures If you make a transaction In a tonlpn currency, other Than afflllatosaManerCarde Vlaa, or American Express, lependlnp an which card Is used, converts the amount Into U.S. dollars ae tollowe: • INeaterCard compiles with ib forolpn currency convu- ebn procedure then kl a„act, MasterCard curnnny lnnsecllon ptocwalnp dale) Such nte~i either i whote- • Vlat compli a with tta lonlpn currency ooverska pro- eeduro then In a„act. Vise oumemly uses a convertor rats In street on Its applicabb central process4tp dale. rise aveltable„Inswholesala cur end markets, whl h may vary Irom the teas It receives, or the povarnmont- mandebd rote. • American Fxproaa compiles with Ib foreign curroncy convenlon procetluros Inen In otlect, Unless a particular Amelralc~n Fxpsfeu ihpapllbi the hlphhesstrhita b karate selected on Iho Dutlmes day prior to the day on which the Irarlpc„on Is processed by Amerkan Fxproas. II a cash advance Is made In a lonlpn curranty at a Dnnoh or ATM of one of our a„Illatu, the amount Is converuCCd Into usrrency t:omerslon procetluracfhenaln a„ecm. Ouroafllllate currentlyy uses a conversion tale In a„act on Its applicable procstalnp de4. Such rote la ekher a mid-point market rate or the pavemment-manWted rats. PPNcahle procssatnp dale for lnnsecllofn may dl„er from the me In a„act on Iha Sele or Poat date on your hilltop 91a1a111erd ref Ihet frot148pden. ff a tnnsacflon Is cornerted by a third varty pprior to such tranaacllon being proceued by MasterCard, Vlsa, ar American Express, the forolpn currenrcy convors(an rate for that Irans• action will 6e the tale selected bylhet third parry. Mlntmum Amount Oue: Each month you must pay et least the Mlntmum Amount Due by the payment due date, The sooner you pay the New Balance, rho Ilea you will pay In perladle tlnance charges. Te calculate the Mlntmum Amount Due, wa begin with any past tlua amount and add any amount In excess of your revolvlnp credlt Itne. We then atld the larpost of the folbwlnp; • The New Balance on the blllinp statement„II Is less Than 520; • ~Y of the New Balance (wAlchac~ku allon Ia rounded down to the nruul dollar) plus the amount of your • b~6K of the NewaBaiancs (whlcti apepauletldti Is rounded down to the nearoet dollar . However, the Minimum Amour Due never excesde the New subt~ctfromltheN~r~jaMCalcerdln ees Gdd~toyouty acccunl during the blllinp period. Appllcallon of Peymenla: We apply peymeme and credib to low APR balencea helots ht her App Dalencee. That means your savings will be roduao If you make Irensactlone tMt are sublocl to Rlpher APRs. Pa sot Inrtruollons: Payments are cndtted In accordance wnh the payment Inalrudlona on Iha 6UUn9 aGtement. You or aulomatlc debit that Ile dawn wl andf tortorelrt by etp~~ nt, In the U.5. Da not send sash. We can accopt late or partlai payments, and prymenb that nllect'peld 4n l~~ull' or other nserve~ha Iphtto e~ept payme t° esr~atlo Inrlorelpn cur- rency and Instrumelds drawn on footle on depoak outside the U.S. If we do, we select the currency converelon n1e at our dlscrolbn end credh your account In U.S. dothro :her doductlnp an cosh Inarnd In proceae4lg your payment, or we may hill you eepenlety for such coats. Dptlonaf Pey by Phom Servlcr. You may nqueat to make your payment by phone ualn9 our optlonal Pay byapPhone pSay usatha amount shown: oaths Payrby phone scarier on the back of the blllinp elatemant. Our repretentatlves are trained to Tell you Ihls amount If you decide to use this optlonU Pay by Phone Servbe. Credit Aeporting We may report Inlormatlon about ydur account to credlt reportingq ayyencles. Lela payments, missed payments, or outer delaulta on your account may appear on your credlt report If you request card: on your account for omva, we may report account IMomuetlon In the names o! ttwae other people es wall. We may also obfaln follow•up credlt reports rovolvinpf credlt Imlrpiealnchuee). If youwwlsh tocknrauwntsvjlkh apenclas we contacted, write us et the Customer SeMce address on the blllinp statement. II you think we reported urvneous Inlormatlon to a credlt reporting agency, write us al the Customer Service addross on the bllAnp stalemont We will promptly Investlpale the matter and It we a9ne with you, we will contact each credlt reporting agency to which we reported and request e carnetlon. If, a„er our Irwestlpatlon, we dlaaproe ywoith you, ro audbmli a amtomentlt~o Ihoee Spenclei for ~tclualon In your credlt report. Changes to this Agreernont We may sharps the rasa, lees, and terms of Ihh Apnemerd tl any Ilme for any reuop. Theta reasons may 6e based an Inlormaton In your sredlt report, lush n your lallurr m make p rants to mother cndlter when tlua, amounh owed to other credllrn, the number of rndll eoeeuak auMandlnp, or Iha number of credlt Ingalrlea. Thus nuepte may deo Include sompellllve or madnl•relahd 4elerr. Chan-Ing terms Mduder adding, nplaalnp, er dHtllnpp provldom nlrtlnp to your account inp oblio4tloprrruu o-wi hayi nlatlnp totlhlatAgreihmenl. These ehaspea an bintlfnp en you, NoweYar, II the sharps will sues a tae, rata er minimum payment to Inareate, the bepl nlap W Ih bllllnpotperlodlln whlsh Bte Ainpe 6eeomet a„etllve. If you do not rgna to the Shapepr, you moat ratify us to wrfllnl wlthln 26 Jaya a„u Ihs rHecllve Bala of the ahanpe end pay ua the -olU balance, tither at once or undetyr Iyha terms of the unchanged ASnement. eHialHa deli of Iheuchltnp~:Alt -e deehm~d aaoept>noe al Iha new terror, esen It the 25 days have not expired. Default You default under this Agreement If you fall 1o pay the Mlntmum Amount Due by Ib due date; pay by a check or elmBar InaVUmant tMf Ir not honorod or that we must roturn bemuse It cannot be processed; pay by autamatlc debit that la returned unpaid; me 1a bankruptcy; or default under any other hard Agreement Ytaf you have w„h us. II ou delauh, we may Close your account snO demand Immediate payment of the total balance, I! you pave us a security kllerest In s Certllkata of Dposlt, we may use Ne deposit amount to pay any amount you owe. Refusal o} the Card, Closed Accounts, and Related Provlalone Refusal of the Cerd: We do rwl puerontee approval of transactions and an not gable for Ireneaetlons that are not suPlfclent~cradll abvallebler We maydllmlt the numbs oouthave unusual for susplckue acliviry wjdmj yostei Oa red yourdcredit prlvllepes untll wo ran verify the ectlvlry. Prseuthorized Chatpea: If you delautt, U the cart Is lost or stolen, or we change your account for any reason, wo may suspend autbmatlc charpea with third party vendors. II ppreauthartmd charges are suapendod, you era responsible for making dine payment for such charges until you contact rho third party to rolnstete the aulometk charges. endtaeienoeeTronroer Chedu~ Nany card account nfumber, mayhusa Ihemswllhobullpermisebn~call ue al the Customer dbl tined Dy ailing toll•Ireehaf beat Dlnctory Acsiatance. We may reqquire you to provide certain Inlormatlon In wnUrp to hale ut Ono out what happened and to comply with our Invastlpatlon. You must Idarltlry for ue the charpea that were not made try you, or someone authorized 6t' you, end Irom which you received no bene~it.yY notlryl Inpyus in wdtinp oY by selling Ioll•f~rare at the Customer ba k o1 youf creel 1 c~fd~but must s~iilBropay the tnhl batana in accordance with tMs Agreement Wa s account or suspend account pprlvllopee at~anyyopme for any reason without prbr notice, Wo may also relasue a dlflerent yard al soy lima. You must return any card to us upon request see eecu eel erecount,SYou pave ui a secuAty Interest In a Cortlfirate of Daposlt to secure rapayrnoni of your account II you wllhdnw your (ands from the CertlOcate of Deposit, we will close your account ARDI7RATIOPI CARE~CCEY. R PA/D IDE9~TTiDT ANY D SPUTE AY BE nEPU1CEf HE RN®IRTOpOTTOCOURTRNGRUDINQTHE CILA88 AG110N OR 81MILTMAp pRDCEEDIND. NCAAUITfUTIDN, OF A U GF OREJURY. AAB TR TIDNIPg01'EDUREBAAE SIMPLER AHD MDHE LIMITED T}iA1! CDURT pt1pCEDURES. Ayraemsnrla Arbitrate: Either you or we mayy, without the other's consent, elect mandatory, 6lndinp arbitratlon for any chim, dlaputo, or conlrovcrsy between you and us (called "Cialms"). What Clelmr an auh act o ar61tral one All Claims nlatlnp to your aocounl, a prior related account, or our relatlonahlp an aubJeot to arblingoHHnyy,~~includirrpp Claims repudinp the and~thls+arbitratlon prbovlsbn.l~l Clelma are cub-ec~to smear aPoltntlon, no nutlet what k d theory they sn based on or what remedy (damapea, or htqunctbe or declaratory nllef) they seek la InGutlm Cialmt based an contact, tort (Includhp Inlentlonal tart), Inud, agency, your or our negligence, atsltnory or repuletory prov slops, or any other sources of law; Clelma made u countamlalma, cross-claims, ihtrd•party dolma, Imerpleedas or otharwlae; and Cialms InlUetat 9epro~mfinq in hurt may elecmtsarbtfra~oU with respect to eny Claim advanced h That proceeding by any other perA(yvaCldma andoromedlee sought ae part of a class adbn ua sutb~ M to arWlnUan on stn IndN du eneon Blass, non•reprosontalNe) Dula, and the erolirator may award toilet only on en Individual (non•cleaa, non-reprosenptlve) buts. Whose Cialms sn subJscl Ic arbtlntlsn7 Not only ours and yours, but also Cialms made by or against arryone connected with us or you or clalmino through us or you, such u a co•appUrxirrt or authorlud uqr of your account, an empioyoe, spent, represemathro, aNlllded company, pradaceasor or auxesaot MIG ualpme, or irudee In bankruptcy, Ctlelm>!tuleln~p oaths pfast Dro lenmo~hrture, InclutllnptCialma arialnp baton tht opening of your account, are subJect to arbllrapon. Breadeal Inlerprelsllan. Any yuastlons about whether Claims are sub act to arbitratlon ehaa be resolved by InlerpntlrW IMs aroltrat~on provlalan In the broadest vary the law wig allow It to be enforced. Thla arbintbn proNalon is governed Uy the Federal Arbhretlon Aar (the "FAA"). Itllod in n smell eilrt SIICOart ere notilubjact to ~~6ltraauan ao Ion9 as rtes matter remains In such court and advances only an individual (nontius, non•reproseniaUve) Claim. Haw duos a parlp InFlhlt ~~bi~nllon7~he D rty nllnp en arbllratlon must choose one of the foilowinp two ubliratlon arms and follow Its rules and procedures for InltlaUnp and pursulno en erbhntlon: American Nbltretlon Assoclallan or Netlonal ArMtnpon Forum. Arty eroltretinn heartnp toot you attend will be hold el s pplIace chosen by the arbitratlon Ilrm in the same ct~ ae the U.S. District Court cbsest b your Then current bl Ilnp address, or at some other pieece to which currenldrulea o/ each of the a V°Rr p n tibmsnan~d terms shod Inshuctlona for Inltlatlnp an arWtratlon by contecllnp them as follows: American Arbhralion Assoclallan 335 Madison Avenue, Floor 10 New Ycrk, NY 10017.4805 Web atte: www.adr,orp Netlonal Arbltretion Forum P.O. pox 601 U1 Minruapolie, MN 55105 Web sae: www.arbllratlon-Iorum.cam At any time yyou or we may ask an appropriate court to comppel arbllntbn of Claims, ar to stay the Iftlpatlon of Claims pond'mp arbUretlon, even U such Claims are pan of a lawsuh, unleea a trial has hepun or a Unai Judgment has been entered. Even It a parry tails to exerolse these rtpphhls at any particular Ilme, or h connection with any partlcu(ar Cialms, that party can still reqquire ubitreibn et a later time or In connection with any otherClalms. A slnpla~oneulnl -rblhator wirli resolve galms~The atbHntor will be eUMr a lawyer with at least ten yeah ezperienN or a retired or termer udpe selected In eecordana whh the rules of the aroltntlon ~irm. }M arbitratlon wUl tolbw procedures and rule of the arbitralon Urm In eflecl on Iho date the arbllntbn Is pled unUsa those proceduna and roMa era Inconsistent wnh iMs A~aemmt In wtdch ass Chia Agreement udll prevsN. Those procedures and rules may omit the discovery avsUable to you or us. The arbitrator will take reeeonebie stepps to protect customer account hlormetlon and other canlldentlal inlormallon if nqquestetl to do ao try you or ue. The arbitrator will apply epplksbk aubaNmlve kw consistent with the FM and appliable statutes at Umlhtlons, will honor claims of prlvllepe recapnkotl at taw, and wlp have the power to Huard to a parry any damapea or Oaymar roUa1 Rave aah,aArq ind epr,p~santM brtyucouneelnThe a~bnrasior will provWena bfld aWtemretna 1 the reasonsstodr rho awe d. M award In arbitratlon shall delermine Iho rights end obilpepons between Ute named ppartlee onyb, and only h napect of the Cidme h erbUntion, and obeli not have art' bearing on the rights end obllgatlons or any other peroon, or on the resolution of enY other dlapule. Who paysT Whoever Olea the erbhntlon pays the Initial 1IIInp lee. If xw 1Ua, wa pay, )t you file, you pay, unMss you pet a fee waNer undertM apppplloeble rules of the arbtlratlon Prm. if you Mve paid the hkld INlnp tee and you proven, we will reimburse you ivr that lea. It there la a heerkla, we will pay any lees of the arbitrator and erbhntlon firm (ar the Unt day of that haring, NI other lees wNl be aUoCrced as provided by we will edwnce o~rtdmburse younrdlNf K IheearaWwtrstloneUem or arbitrator determines there b good reason br requiring , ue to do ao, or U you ask us and we determine there la good roeeon for doing so. Each party wilt bar the expanse or that parryb attorneys, experts, and wilnesata, and other expenses, repudleee of whioh party prevdla, but a part' may recover any or alt expenses Irom another party U the arollrator, aPDIYhU aDPlicable law, so delerminea. Who can ba s parryi Claims must be brought In the name of an Indivdual peroon or enthy and must proceed on arhBreiotlwl II (not eYnrd~ alter lo~o31apitnii)anyoine who Is not a party. II you or we require ubilratlon of t Claim, neither you, we, nor any other penon may pursue the Claim In arbitratlon ea a class salon, pAVaN ahomeyy openeral action or othy~or representNNe action, nor may ouch Claim be ursued Includhppousip d CWms~ oflNrotlor mote parrosons malt' not be bhed or consolldafed In the some aroUrdbn, However, ePPiManU, w-appUpnts, authorzed uaere on a staple account anNor Mated accounts, or caporrie ettllietes are hen considered as one penon. When la sn srbllnlion sward Ilneil The arbflntor's award Is final and bindhp on the artla unless a party a peals It In wminp tome erbhntlon Arm within llReen Jaya of notice of the award. The egged must nqueel a now arbitration bdara e sod of three neural arbltratorc dealpnaled by Iho urns argmetlon arm. The gpenet will consider all tactual and Iepai lasuee anew follow the same rules put apply to a roceedlrtq urhp s shtp~e aroltretor, end make declelone Daaad on the vote othhe me)oriN. Costa will be aNxeted h the soma way they ue aNoatW or aroltretlon baton a sinqu srbhretor. An awardybY a panel Is final and binding on the parties oast tottJudfclsl nvlew and~entorcement asbp~rovlgded by tihesFA~ or other eppllcable law.