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Home My WebLink About04-5911 ..LL",U~I IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. 655 PAPER MILL ROAD MAIL STOP 1411 WILMINGTON DE 19884-1411 NO. oLf - 51/1 Plaintiff VS. CIVIL ACTION - LAW ISABELLE G HENRY 824 LINWOOD ST NEW CUMBERLND PA 17070-1442 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 (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. NOTICIA Le han demandado a used en la corte. Si used quarere defensas de esas demandas expuestas en las paginas, siguientes, used tiene viente (20) dias de plazo al partir de la fecha de lademanda y la notifiation. Used debe presentar una apariencia escrita 0 en persona 0 por abogado y archivar en la corte en forma escrita sus defensas 0 sus objeciones a last demandas en corta de su persona. Sea avisado que si used no se defienda, la corte tomara medidas y psedido entrar una orden contra used sin previo aviso 0 notificacion y por cualquier queja 0 alivio que es pedido en la peticion de demanda. Used puede perder dinero 0 sus propledades 0 otros derechos importantes para used. LLEVE ESTA DEMANDA A UN ABODOAGO IMMEDIATAMENTE. SI NO TIENE ABOGAOO 0 SI NO TIENE EL DINERO SUFFICIENTE DE PAGAR TAL SERVICIO VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE TRUECCO~I~A~~~~f.f\). .... r~~ny wMreof. I here !..Int.o set my h.:::rVt Lawyer Referral Service '1 ~I of said ~at CaniSt6. p, ~" day 01 'k/ifIIJcA..~Umberland County Bar Assn. c::x .---- - J - 32 S. Bedford St. ._.?oJJ'I:.. ~~~~ <. 8~~=~~~=9108 PA 17013 CVRNOT/PACCP W&A fILE NO. 113786031 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. 655 PAPER MILL ROAD MAIL STOP 1411 WILMINGTON DE 19884-1411 NO. Plaintiff VS. CIVIL ACTION - LAW ISABELLE G HENRY 824 LINWOOD ST NEW CUMBERLND PA 17070-1442 Defendant (s) COMPLAINT Now comes the Plaintiff, MBNA AMERICA BANK, N.A. , by and through its attorneys, and the law firm of Wolpoff & Abramson, L.L.P., and files this Complaint and in support avers as follows: 1. Plaintiff, MBNA AMERICA BANK, N.A. 655 PAPER MILL ROAD MAIL STOP 1411 WILMINGTON DE 19884-1411 is a business entity doing business within the Commonwealth of Pennsylvania and the other states of the United States. 2. Defendant, ISABELLE G HENRY a last known address of , is an adult individual with 824 LINWOOD ST NEW CUMBERLND PA 17070-1442 COUNTY OF CUMBERLAND 3. It is averred that Defendant(s) was/were issued an open end credit card account. The Terms and Conditions governing this account is attached hereto, incorporated herein and marked as Exhibit "A". 4. At all relevant times material hereto, Defendant(s) has/have used said charge card for the purchase of products, goods and/or for obtaining services. 1DSOA1/PACCP W&A f~LE NO. 113786031 5. showing account Plaintiff provided Defendant(s) with copies of the Statements of Account all debits and credits for transactions on the aforementioned credit card to which there was no bona fide objection by Defendant(s). 6. Pursuant to the Agreement concerning this account, the parties agreed that this matter be referred to Arbitration in the event of any claim and/or dispute if the account is referred for collection. See Exhibit "A" as previously identified and incorporated herein. 7. This matter was referred to Arbitration for determination and disposition, whereby an Arbitration Award was entered against the Defendant(s) and in favor of the Plaintiff for the outstanding balance due. A true and correct copy of the Arbitration Award is attached hereto, incorporated herein and marked as Exhibit "B". 8. As of the date of this Complaint, the remaining balance due, owing and unpaid on Defendant's credit card account, as a result of charges made by said Defendant(s) and/or any authorized users is the sum of $ 7268.65 9. Despite reasonable and repeated demands for payment, Defendant(s) has/have failed, refused and continue(s) to refuse to pay all sums due and owing on the aforementioned account balance, all to the damage and detriment of the Plaintiff. 10. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. WHEREFORE, Plaintiff, MBNA AMERICA BANK, N.A. , respectfully requests this Honorable Court enter judgment in favor of Plaintiff and against Defendant(s), ISABELLE G HENRY , in the amount of $ 7268.65 plus costs of this action and such other relief as the Court deems proper and just. Respectfully submitted, AmJt!::: L LJaJ:t Daniel F. W,lfson #20617 Bruce H. Cherkis #18837 Philip C. Warholic #86341 WOLPOFF & ABRAMSON, L.L.P. Attorneys in the Practice of Debt Collection 267 East Market Street York, PA 17403 (717) 846-1252 Counsel for Plaintiff 1DSOA2/PACCP W&A FILE NO. 113786031 ATTORNEY VERIFICATION I hereby state that I am the attorney for the Plaintiff, who is located outside of this jurisdiction and in order to file the within document in an expedient and timely manner, am authorized to take this verification on behalf of said Plaintiff in this action and verify that the statements made in the foregoing Complaint are true and correct to the best of my knowledge, information, and belief, based upon information provided by the Plaintiff. The undersigned understands that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authori ties. Date: Amy riJ!] t U# Daniel F. Wo~fson #20617 Bruce H. Cherkis #18837 Philip C. Warholic #86341 WOLPOFF & ABRAMSON, L.L.P. Attorneys in the Practice of Debt Collection 267 East Market Street York, PA 17403 (717) 846-1252 Counsel for Plaintiff PAVERF/PACCP W&A ~ILE NO. 113786031 ~J(Hll3rr "A" . . r.':"~' _~~7-'\:":'.:,,!,' ~.,'" -:-;:. ~. .. ., . ~... ..... " . '. Credif:Card:Agreemelit. :':. "Additional Teritls ':and. Conditions .. 00 " 00 . : .~: .0 . . . _.~;.;.~~.&..:~:i:._ ~.:_!~.'..~ :.0. . -.,. a=..... __ .... ... .0 .." .. .0. .J w" . .. ~.:".'.'.- : .. 0.., ..e;._.... ..0:.. .:... ~ o. .0. ..... -:".~ .....~......:~.. ~ . .~;:..... I.., .;,,:.. - .)':"..~.-f. .. ;,'~ .. ... ~;~ae~~.-L-"':;..""' .1I..Pri'Iacy~t:itl~~.';..N"."_.d....- .'If." ,....-.,,~ .. .. .. 0"' .. . . .. .. .. -i. . t ::.. , ...:.)0" .... ..:: ~.: :^ .".:... '0:. ,-' :.....0\ .....0.9.. '_''''IO.rr,-''.-c..,~, <...:..... .... &~".('... " .......-u:: ~,..,"r7:~,-:\..r.!:!~"T~l.,.... ": :... ::.:"" .. .. .. e.::,!:;"".. ~~""".. 1......._ . i~'::e-~ _.:.~. ~~~~;-.~~+~~;.\PJ::'~'.~:, f'I..~& -.'~~c:cUra u:lfirOiJfjarit>ii~ri11Sf4ecfia J ~'.. :"':"C' ed. c;:. :-..;....:.f::;:~~t~~i)I';~.:~~~:r~,,:-. r It ...eporung ~enaes';.~-i...:.:-...~.4t .. "'. .. .... .. 0' eo _ '0 .. I."::, ....1If ...!. .. -.0 .. _ '-. .'.:." . . .. .. . '.' ',. ... .... .0 ,,;;.I}o- ",.. . How to Ose Your Aa::ount~:.._;.~:...:.~.......4 . .. ." .o, .'. I-:~ .0 ...-- ......:;, .. .. ... ...t.: 'f:';"~.cq.~~~.t:~:C.:':'""~~'~..f.." . .. .. :..::. -n,).&" .".-;;"r,.&.~:--.....; :.. .~. .,. :. ; .. .... ..., ~"lI:fr.':' .... ,".. . ~"..' .. ". ... _..'":".t~".':~-?tc:.t.!~ t,.:-."".... "0 -. ... ~: :;;~i.: .... . . . ........ . Payments on Your ~unt......................5 . ... :.,:.. .. '.".. ..~.... .0:"'-." ..::...': .. ::..~.: : o...~. .,.~.. .." ....u...-!',..,,,~:i1Jt~~;'~i:'& .. '.: :-.-;:l.,: ':'#j..~."-" .-. .. ........ ~;~. . We May Amend 11Us.Airee~nt...._.._...8' . .. ...... -.::~:; .tOO. ~ I..... o. ..: ....~...:...~... .. .. .... .' - ....J.:~.:I_~:.. ~".~~~..... '.., ':\ ,..-;....,. ~ .. o.1-.v.,." ...~...~:-.~~~ ~~~:,.It..~. ..:~!. _ . .,...:.....:..i.....~',.(I'\~.II..,... ... what.Law.~PlIe:s~-:..!:. ;.f :,,':'\~". .!".,::.:.!t . .0 .. .. .. .:-y. ,.~~.. f~ rJ!'--e:'. · "11'1 ~;:-~~...."":. ..' . .~:' ,~: . ,.~.;v :,,-=,..~.:.~'-: ".-t. ,..~~ f:':.. .:-::.... !.. ~~ ~~r.:~...:2~ ..~..1i..;..n!c....." , . . . . . . Arbitration ~ U~~~~.~~~:~~yil:~..9. -..... ,:" .. Ot." .. ...... NEXT' ,. .~ '. Your. Contrad Witfr U, .0:. "(pur Credit Card Aireement with us consists of these Ad~'tione' ~rms and Conditions and the document called th(Requlred Federal Disclosures Of the Initial DIsc:Iosure. Yo~'alfee to the terms and conditions of this Aereement. FoUhe purpose of the Pri.., NoticI, we will use the de6n~ co"ained In the thlJd paraeraph of the Priwq NlIIb. For the'remalnder of the Aereement, we will use the definitions deicribed under the section headlne W,,* USIlI otr- III ~:^,1IIJlIIIIL ~ PrivacII Notlu Your prlY8C)' Is Important to us: N. MBNA. we are committed to provldine you With the finest financial productS and services backed by consistently top-qualtt service.. And while information about you is fundamentli to our ability to do this, we fully recognize the importana of keepine personal and acxount' information ~ 'Ib offer you the widest range of products and services. MBNA.may share information about you bbth within MBNA and outsi.de of MBNA with other companies. This allaMS us to offer you products and services .that may intef~ you and best meet )'Our needs, whether they are available directly from.MBNA or throueh our relationships with other companies. We waRt you ~ . understand our information safeguards, what InformatJor we collect, what information we shart, and the benefits you receive when we share Information about you. This notice desaibes the privacy practices of MBNA Corporation and all MBNA affiliates, indudln, MBNA America Bent. NA, MBNA America (Delaware), NA, Palladian Travel Services,lnc:; MBNA Hallmark Information SeI'Vlas. Inc., .MBNA Marketlne Systems. Inc.. and MBNA Insurance.Aie.ncy,lnc. (collective".. -MBNA1, for linandal products and services IOVCmed by the lews of the United States of America. ThIs I notice explains MBNA's Inform.tion collection and sharlne practices and lets you choose whether or not MBNA may share certain Information about you, elthel within MBNA<< ovtc~ of MBNA with other c=ompaRlli Oar SecurItJ Proced..... MBNA understands the Importance cil protedlnl and acurine Information __oJ. ':-:"'C I. "wJi'P"'5'r1...W ,,~.... 1..1"......+1"".. about you Is Testricted to the people of'MBNA who require It to provide products or services to you. We maintain physlCll, electronic. and procedural safeguard! that comply with federal standards-for the securtty of Informltlon. .When MBNA shares Information about )'OU WIth companies outside of MBNA. we require them IE) . Impose safeguards, use It only for a permitted purpclR. and to return It to us or destroy It once that .purpose .. served. We limit the amount of Infonnatlon sllared to what Is appropriate to offer a product or service eIft-. 'Ciently. MBNA requires eny compeny recelvine Infor- mation from MBNA to sitn e Confidentiality Agreemen contalnlnc these requirements and obllg8tlfll that complny to protect the Information as we would. ..- ... ... .- Information We CoDed: MBNA collects and uses non public personal Information about you to conduct our business and to consistently deliver the top-quallty Customer service you expect from US. SourteS of this information Include the followinc: · Information we l'eceM from you on applications and other forms or throueh your correspondence or communication with us Includlnc throUCh'the mall, by telephone. or over the Internet: . Information we receM from third parties, such as consumer reportlnc aeencies, to verify statements you've made to us. or reeareUnc your employment. credit. or other relationships; and . Information about your tranqalons with MBNA end with other companies outside of MBNA. Information We Share WIthI. MBNA: We mey share all of the Information we collect about )'OU with financial service companies within M8NA to offer additional products or seMoesthat-ma, 1ntere:st you and Mst meet your needs. We believe this is convenient for you . and may saW: you both time and mone,. To do so, we share Identification Information (such as name end address), tranSKtlon end experience InforrNItlon (such as purchases and paymentsJ, credit ell&iblllty Infonnatien. (such es credit reports end applications), and other Information. The decision to purchase any such pIOCII- uets or services Is youn alone. You may tell us not to share credit ellil"i1ity informetlon about you within MBNA. but please understand this does not prohibit us from offenne you additional products and services or from sharil\i transaction and experience. identification, and other Information within MBNA. )nlonnetlo. W. Share WIdt Othera: From time _ time, we may allow companies outside of MBNA to offer you their products and servIcs thet may Interest you. These prcxtucts and services may be offered by flnanc:iel service provlden (such as banks. Ioen brokers, ecx:ount aeifeaaton, Insurance eeents, insurance compenles. mortpie bankers. end securities broker-dealen). by nonflnandel companies (such. letallen. dlred mer- ketets, communications companies. Internet seMele providers, m8nufactums,1ief'fice~, tJWII agents. cruISe lIna. \oar rc:nUlI ~Il:IlU_, 11\A,"~' ...111._, publishers. and orpnlratlons endonlne MBNA tina.al prcxtucts Or services). and Clthen lsuch . nonpdlt orpnlzatlons). Subfett to ewIlc:ab1e In. we miry shale all the Information we collect with these CQrnpanies out- side of MBNA. unless you tell.. not to. . Addltlonelly, we may share all the Infonnetion we collect with companies thet perform merketll1l or other services on our behelf or to other finenclal InstkutioM with which we have tolnt merllet1ne aereementl. We are also permitted by law to share information about you with other companies In certain drcumstanees. For Instanee. we may shere en of the Information we collect with companies asslstlfll .. in servlcl"l your loan or account, with companies that endorse our .products and s'eM'ces thlOuch efftnlty qreements. with iovemment entities in reSponse to subpoena or 2 ., . reeuJatory.reqlllremeRts;atKf with consumer reponlna agencies. If you tell us not to share Information with companies outside of MBNA1hat wish to offer'you tt)elr prqducts and servIceS. as described above, please understand that we will continue to share Information In these additional drcurnstances. Important Information About Your Choice: We're dedicated to servlne your needs - and to respectlne your choices related to privacy. You may tell us not to share credit eligibility Information within MBNA. and you !MY tell us not to share Information with companies outside of MBNA. that wish to offer you their products and serv- ices as described aboVe. If you wish to opt out of such information sharine. please call toll-free 1-866-751-1255. We will ask you to verily your Identity and the spedftc accounts to which the opt out applies, so please hive all your account, membership, or reference -numbers and your Sodal Security number or 'I'axpeyer Identification number for deposit accounts available when 'you ceO. . . MBNA applies opt outs at the account level, not by indlvlc:lual Customer. When any person listed with others on an account opts out (for example. a co-appllc:ant, joint account holder. or authorJzecl user), we will list the entire account as having opted out. MBNA wlJl continue tc;) . adhere to Its disclosed privacy practices for an account even If It becomes inactive or is closed. An opt out from Information sharing on an account as desalbed above, either within MBNA and/or with companies outstde of MBNA. remains effective lJnless revoked'ln writinc. Federal regulations require us to proVide this notiCe on an annual basis. whether or not an .account has previously opted out from either type d Information shari"" PIe8se remember when-you ~Ive our subsequent notices that an account previously . opted out from either or both types of informaticln sharlnc (and not reYOIced In writinc) does not need to be opted out.,lft. This notice updates and replaces any previous notices from Mlm"1Ibout. -pMrec.y, MCUritJ. and r._~"iIF r ._'__..1'1,," F"nr ........ltlnnallnforl'Q!ltlon reeardlne MBNA's privaCY practices concernlne tile Internet and to view the most recent version of this privacy i-otlce. please to to www.mbna.com. and dick on "Privacy Notice." You may.have other pnvacy.pIO- tectlons under ~te laws. We ma, amend this prJvecy notice at any time. and we wllllnfonn you of ~ances as required by In. ._ Wo~tls U,ed Oftell ill'TflfI Agreemellt . -Alreemenr: or -credit eald AlJeement- mee.. these Additional TermS end Conditions end the Required Fecter.1 Disclolures for the InJtleI DiSdosurel end eny dwnp$ we mU:e to those documents hom dme to time. "You. end "yoUr" meen eech Ind .11 of the Persons who .re If8nted. accept. (It use In ICXDUI1t we hoJd." "You" .nd "yoUt" .Iso mean .ny other peIIOII who has ,uaranteed payment cl this account. when used In the sec:tJons entitled W, MG, McNdIllr ..... RanI T""" QIIs Ind Ar6ItIIIiNl .. U.... end when used In uch 01 the ~ Ielltin& to,peymenr of thll KClDUnt . ---: , ".:; ,. (VGIll' PnItIfisi1D PlIJ .nd .... We Mall v... ~,Ior example) "'We," -us," -oa~, .nd "MBNA AmerIca" mean MBHA America Be'" N.A. -carer mea", .11 the credit aids we .... to you .nd to . eny other person with .uthorlzatlon to UR thll ICIClClUftt pursuant to this AcreemeIC. . -~ check" meens .n ICDII check we pnMcle to JOU t make I Check Cash Advance on ,our ICCDUIIt. If we use I capltelized term In thll document but do not define the term in this document. the term .... the mean.... ,iven In the Required Federal DIsdCls_ Ci)f the Initial Disclosure or IS used In your monthly ItItemelll. We Ule section he.dlnes fsuch IS W.Ns UsM 0Ita '" ,.,. Alru".,"t) tel or,enlz.e this Alreement. The .ctu.1 terms c thli AI[eement are In the sentences tbM follow .nd not. the he.d...... '. SI,III Your CtJr4 You should sip your card before JGU UIe it. We MQII Mon'~r Qn4 Rec:onl Telepflone C4Jk You consent to end euthorire MBNA Amerka. any of Ira ..... etes. Qf ita marketlnc essoc:J.tes to monitor and/or reclCIId.,. . of your telephone conversetioqs with our represe~ or the representatives of any of thoH compan". . Credit Report'n, Alend.. You euthorlze MBNA AmerIca to cdIec:t lnlonnltton about you, Includl", credit reportS 110m consumer reportl", ..... If you believe we have fumlshed InlCCUrate or 1nc.......pI,U- InfonMtlon ,bout you or your ICtDURl to a credJt 11IpOItI...- eleney, write us tit: MBNA. Credit Reportl", Aeendea; p.o. Box 17054. Wllmlncton. DE 19814-7054. Please Ind_JIOU neme. eddreu, home phone number. endlClCOUnt number. end expllln what you believe Is Inaccurate or 1n.x.Jllrln~ . How to UN Your AuouJd You may ebbln credit In the form of Purchases and c:.h Advences by usl", your aldl, acx.esa checks. aa:Dunt num- ber. or Ol:her credit~. PluM.. to your Reel...... r.d.ral Di~...,... fY .IIII'l.... ~I- 1ft dlrt~l.., ',. transKtlons constitute PurchaMs and Cash AdwIas and how you IMf ctaJn theaa. TrJlra,Mf'". 1".', 'H' (,,,""r er1fr 14W1__ The transKtion date for Checi c.h Adqnces and Ba.... Transfers done by check Is the elate JOU or the peraoft to whom the check II made payable ft.. ~Its or a.a. 11' chedt. The transection elate lor a returned peyment (which will then be de.llIed- a Bank Cash Advance) II the... that the correspond,,,, peyment posted to JOUf ~ PUrposes Jor Us'n, Your AaouJd You may use your ac:ciOunt for personal, "mI.,. or houIih purpoML You..., net use JOUr 8ClXlUftt lor bua'-... commen:llll purpoMS. You may not .. . Check c.h Advance, or any other c.h AdvaMl.1O 1M" a PIJIMI'l. this or any Ol:her credit IClODUnt with.. You IMJ not .. 0: permit your 8CCOUnt to be UIed fQ ... any IIIep1 tranI8Cd Person. US,", Your Aaould If you permit any person to use your ard. acx.esa chec eccount number, or other credit device with the luthort8l to o~tein cr~~ your ecco'upt. ~ may be liable lor. 4 - . -. . ,. ~...:... ,. tl1lnifactlonS'made by thet pe'rsdn,lncludlnc transections for which JOU mlY hot heve Intended to be IIlb1e, nen If the amount of those transactions causes your credit limit to be exceeded. Authorized users of this Iccount may have the serne access to Information about the account Ind Its users .. the account holders. . HDW YDU Ma, StDp Payment on a. Acc.ess.Cfleci You may request.1 stop payment on .n access chedt by .. providlni us with the access checIt number. dollar .mount. Ind payee eJl8ctly .s they aPl*!r on the access checl Oral I. written stop payment requesll on In access chedt are effec:tive for six months from the day that we place the stop paymeRt. You May Not Postdate an Au.ess Cfled You may not Issue I postdated access chedt on your . account. If you do postd8te III access.check. we may elect to honor It upon presentment.of retum It unpaid to the pe~ who presented It to us for payment. without. In either case. waltlnl for the date shown on the Ictess chect. We are net liable to you for any loa or expense incurred by you lris1ne out of the IClion we elect .to taIre. YDur Promise tD Pal You promise to pey us the .mounts of aU credit you , obeam. which Includes IU Purchases Ind Cash Advances. You also promise to pay us.all the amounts of finance chirps, fees, and any other trallSllctloni we chefIC "llnst your ICICIOUIIl . Payments on. Your Account You must pay each month It least the Total Minimum Payment Due shown on your monthly ltatement.by ,our Payment Due o.te. You may pey the entire lmount you owe us.t any time. Payments made..n anJ bllllne qde that IN lruter than the Toeal Minimum Peymut Due.'WI1I not affect your oblllatlon to make the nut ToIIII Minimum Pa,ment' Due. If you overpey or If thete Is a credit belance on your account. we win not pey.lnterest on such amoUnts. We will reject payments thllt are not drawn In u.s. dollars and thole d...n on nlllUldal instllllt....... Jv...l..J oUlal~ the Ulth~ States. Pe,.neAt 01 row Total Minimum Payment Due may not avoid the ~fUln.c.nt of ~r1I'."1t Fees. ." w1re" Jilin 'I"'""",c,4 Will Lc Oe:IIILc4 tD Your Aaount . We credit payments .. of the date ~Ived, If the payment Is II) received by 2 p.m. lEastern 'I1me); (2) received It the address shown ill the upper left-hand comer of the front ol your monthly ltaternent: (" paid with I check drawn In U.s. dollars On I U.s. f1nancla/lnstftudon or a U.s. dollar moner order; andl.f sent In the retum envelope Wlth-only the top portion of ,our ltatement ICCOmpanytlll fL PayrneIU recelvecl alter 2 p.rn. on any day, Indudlne the Payment Due Date, but that otherwise meet thnbove requirements. will be credited. of the next day. Credit for any other payments may be dellJed up to fiYe .,.. . How We Allocate Your Payments We willi/locate JOUr peyments In the manner we determine. In most I,..nces. we will allocate JOUr payments tt> bela~ lIncfudlnc new trllnsactlons, with lower APRs before balances with hither APRs. This will result In new belances WIth lower APRs (such IS thase~lth promotlona' APR offers, belne paid , .. . .\&:. ^ before any at.;, exlstlhl be....... Promise tD Pay Applies te All PersoIU All persons who Initially or subsequently request, ICICIept. lvarant.. or use the acx:ount Ire Individually and tOl<<her respofl$lble for any total outstlndlne belance. We may refuse te release from liability Iny person who Is responsible to PQ any totll outstandlne balance, until III of the calds, ~ checks. Ind other credit devices Outstlndlne under the ICCOUnt have been returned to us Ind any such person ar persons repa,s us the total oumandine belance owed to US It Iny time under the terms of this ....reerneIlt. De/indt You win be In default of this AereetneIC If: II) J'OU fall. make any required 'lbtal Minimum Payment Due by Its Payment Due Dele: 12) your toYl outstandlne belance exceedI your aedIt limit: or {3J you faU to abide by any other term of thII Aereement. Solely for the ~ of ~~,"df'llrrl elltlblllty and premium payment"obllptloN for the optional credtt insuf8nce purchased throu,h MBNA. JOU will be deemed I" default or dell~uent If you faU to make I payment within 90 days ef your Payment Due DMe. Our falhue to exerc:Iae any c our rithts when you deflult does not mqn tMt we are unable tel exercise theM rich- upoft tater "'uIt. Wflen We May Require Immediate Pay....: If you are In default. we can reqUire Immediate pIlyment of your total outstandllll balance and, unless prohibited b) applicable law and except .. otherwise provided under the Ar6/Jra,IM .~ UU,.,loft section of this ....reement. we can .Iso reqUire you to pay the costs we Incur in .ny collection p'roceedllll. as well .s reasonable .norneys' fees If we rete your account lor collection to .n anorney who Is not our salaried ~..,pI~IU. Otfaer parment Tenu We can ecxept late pa)...cnb, partial payments. or ..,. ments with any restrictive writlne without Ioal"l .n, of our rllhts unde; this ....reement. This mufti that no payment. includlne those marked with "PII1d In full" or with any other l'CaUI\.U." _ordA,lheU OJ'C'..k u,,, I'.c;d INI utLL -'I: withoUt the prior written applOVll of one of our senior ollie You may not use. postdated chedl to mHe I payment. If you do DOStdate I J?II,!Jnent c:hed. we mq elect to honor I upon presentrnenCbflelUl.. 11 unu.....lo.4lb 1II_ ....._.._. presentecJ It. without, In either QIe. walt.... lor the ... shown on the chect. We are not liable to you Iar any ~ or expense InaIRed by you arlslnl out 01 the action we elect lID , Payment Holltfall We may IlIow JOU, from time to time, to omit I month' payment. We will notify you when this option .. ewllebk you omit a payment. finance cha.... aMi Iny applicable I win acxrue GR JCM aa::ount In = lid _ 'U with tI* Aereement. You muat resume makllll JOUr 'lbtal Mlnlmu Payment Due each month Iollowlnt I payment hoI"'. Transact'D... Macle In Fore',. CurrellC If you make I transection In I Ioreip cunency. the t-. will be convened by VlsIlnternatlonel 01' MlstetCald . Intemational, dependlhl on whld\ CMI you u.. IntO a l dollar amount in acx:ordance with the operattnc ree...... conversion procedures In effect It the lime.th8t the t.... Is processed. Currently, those replatlonl and procedur provide tlflt"ti\e. currency conversion rate to be UMCI .. . . -. (I) I wholes8re~arket.rateGF12) a eovemment-mandeted rate In effect one dey prior to the Processilll date, Increued by one percent In eech ~ VIA or MasterCard retains this one percent IS compensation for performlne the currency conversion serviC.e. The currency comersion rate In effect on the processl'" date mlY dllfer from the rate In effect on the transaction date or the postIRI date. . BUllng Cycle Your bUllntI cycle ends each month on I Closlne Dete determined by us. Each bllll", cycle beelns on the day alter .. the C10slntl Date of the previoUS billlne cycle. Each sfatement reflects I sl",le bUIIRI qGe. Account Fees and Cfaarga Account Fees: The followiRl fees. which are set forth In your Required Federal DisClosures or Initial Disdosure, are charpd aI Purchases In the b1l11ne qde In which the fees aa:nIe: (I) I Late Fee If the TOUll Minlmum"Payment ~ shown 01\ your monthly statement is not received by us on or before Its Plyment Due Date: (2) an Overllmlt Fee If your New Balance Totll exceeds your credit limit on the last day 01 a bUllntl qde, even If fea or finance chal'lel chareed by us au~ your New Balance TobII to exceed your credit limit; an Overllmlt Fee is . char,ed to your Iccount aI 01 the day In the bUllnc qcIe that the totll outstlndl", balance on your account exceeds ~r credit limit: . (31a Returned feYmC!nt Fee If a payment on your account Is returned for insufficient funds or for any other reason, eveII If It Is paid upon sub5eCluent presentment; 1.' a Returned Cph Advance Checlt Fee If we return .an aans check unpaid lor any reason, even If the KCeSS checIt is paJd upon subsequent prc;e..t..~ . (5) a Copy Fee for each copy of a monthly statement or Ales draft. eJtC2pt that the six most recent monthly statements a(MI six sales dJllfts will be provided for free: and 161 an Annual Fee "your ICICOUnt is open or If you maintain an account balance. whether you haft Ktlve char,intl prM- lee- or not. AD...dolled-P.u....&) ~rlu; Unless JI'ehl~lte4 IIy applkableJaw. we will chirp your account. as a Purchase. for Iny CCItIlncurrecl by us assoCiated -.mt'I ",,,Ip~,. 'WtttI.... "hJo"tlnn-n.nrODf!ItV 1.-. Pleese revIeW your Required Federal Disclosures or Inmal DIsClosure for addltloMI fees Ind charces that may apply to ,our acx:ount. ' Benefits . We may offer you cerwln beneftts Ind serviceS wltJ1 your account. Unless expressly made I pert 01 this ....reement. any such benefits or services Ire not I pert 01 this ....reement but Ire subtect to the terms Ind restrialons outlined in the benefIIs brol:hure Ind other olfldll documents provided to you Iran time to time by or on behalf 01 MBNA America. We InIJ adtust, add, or delete benefits and services It Iny time and wllhout notice to JOU. R~fu5af to HMM' Y.oJU AuOUllt We Ire not liable for ,ny refusal to honor your Iccount. ThIs can Include I refusal to honor your card or llCCOunt number or Iny checIt written on your .a:ount. We are not liable.. . any retention 01 your ard by us, any other bank. or any provider 01 toads or services. . --: 7 . . :~. ~ We Ma'J1 Suspenlor Close Your Account We may suspend or close JOUI' acxount .. otherwise termIne. your rilht to lISf: your ~ We may do this at any time ... for any IUSQIL Your obllptions under this AereernerC ContInue . even after we have done this. You must destJOy III calds, ecms checb, Ind other credit devicles on the ~ when we Ieque that JOU.- You Ma, Close Your AccoulIt You may close your Iccount by notlfyiftl.us in writ.... or t telephone Ind destroyl", In 01". aa:ess checks. Ind Gther credit devices on the account. Your obliptlons uncler thiI ....reeJnent continue even Ifter you have done thts. Transactions After Your Account Is elo.. When jour aexount is dosed. you must contact In,... authorized to chal'le tJllnsKtionlte your aa:ount. such _ Internet servkle proridefs. health dulill, or Insurance aA..~~k These tnlnsactlonslllQ continue to tie die... te yew . account until you chance the bin..... AIse, If we beJiege ,... have luthorl2eci I tJllnsacta. or ale Ittemptl", to use ,..., account Ifter you haw: requested to cIoae the ICICDUIIl we mar allow the transaction 10 be charted tIO your ac:muM. We Ma, Amend This Agreement . We may amend this Aereement It Iny time. We In81 emend It by add Int. deletiftl. or chantl... provisklM ., chIa :ft~~:~:'~ w:c:==:=':"~i:.cximpI) Delaware law that are In effecIlt that time. .f an In.c.ndl,,-~ ,Ives JOu the opportunity to leiect the chance, and It JiGIU reject the cha.nce'in the manner plOVldecl in such 1meM- ment. we may tennlNlte your rItht to receive credit and nwy Isk you to return aU ~It deYIoes .. I condition 01 your rejection. The amended ....reement (lncIudinc any h........t or other hither chal'lel or feesl will appIJ to the tclt81 _- stlndl", balance. Inducll", the balance exlstlRl before.. amendment became effectM. We may repIac:e your cant wit lnother card at a", time. We Ma, Sell Your A,c:oullt We ;;:ay at Iny tI..... .nc1 w1thout.nockw lO )~. ..II. '"'" or tJllnsfer your account. any IUIN clue Oft your ea:ouM. dill ....reement. CII' our riP" Clr oblllatlOlll u.... JCU 8ClCDUat c this ~reement to any person or entIlr. 1M pe..on or entI&J to wtrll........ ....-..: .lIl au",'" ...~. ...11"......" VI "..,,_.\., ~ be entitled to aU 01 our riChts andlor ~ lions under dill AlreemeN to the extent 1OId, aalpecl or transfelNd. Your Credit Umlt Your credit limit Is dlsc:lqsed to you when you receM JDUI card and. leneJlllly, On each monthly ,- .1\. ,.&nL We.., cheRie your credit limit from time to tIIM. .. . The amount shown on your monthly statement . CaIh or Credit Available does not bile intID 8CXIOUIlt a", Purm-. Cash Advances, finance cha.... _, any other tranuctlaM. or aedlts that post to your ICIClDUIlt Ifter the CloslnI De&e ., thet monthly statement. Such transaaklftl c:ould .....It ... your credit limit bel", uceeded Ind.....1t In the .v,~__.~ 01 Overllmlt F.... WhGt We MG' De. If Yo. Attempt ,. Exceed Your Credit U.. 11le total outstIIndlne belance on your ICXlClUIIt plus authoria- tlons .t any time ""lIt. not be men"'" your credit limit. . JIOl . .a..~ '-. aneinJlt a trilrisaCtlon.that results In your total outstandllll bel- anee (plus authorizations) exceedllll your aeclit limit. we !MY ( I ) permit the transaction without ralslne ,our aedlt limit: (2) permit the transaction and treat the amount 01 the transaction . tllet Is more than the credit limit as Immediately due; or (') refuse to permit the transacdon.. II we refuse to permit the tJansacdon, we mayedvise the person who attempted the tJanSBCtlon that It has been refused. 'If we refuse to 'permlt a Check tash AdYarfC'e or BallhCle Transfer. we tnay do 50 by Idvislne the person presentl", the .. Check Cash Advance or Balance Transfer that aeclit has been refused. that there are Insufficient funds to pay the Check Cash Advance or Balance Transfer. or In any other mannet " we have previously permitted you to exceed your aedit limit. it does not mean that we will permit you to exceed your aedlt limit a,aln. If we decide to permit you to exceed your aedit limit. we may charp In OYerlimlt Fee II provided In this Apeement. Unautliorl:ud Use of Your Card Please notl(y us Immedlltely 01 the loss. theft. or possible unauthorized use 01 your account at 1-800-789-6701. Yo" Must Notlfg U. Wlien You Cliange Your Addr.. . . We strive to keep accurate records for your benefit 1M ours. The post office and others may notify .. 011 cMfIte to your Idd.... When you chi. your Iddress. you must nort(y .. promptly of your new addNa.. .' wliat Law Appll. 11I1s Alreernenr Is made In Delaware. and we extend aedlt to you from Delaware. T1l1s Alreernent Is IOftmed by the laws of the State of Delaware ,without rqlrd to Its connlct 01 laws principles) and -by any Ippllcable federal laws. . Tlie Provisions of Tlils Agreement Are Severa61e If Iny provision of this Alreement Is found to be Invalid, the remalnlne provisions will continue to be effectift. Our High,. Ulntln... OUr fatture or del., ill aetdsinI any 01 OUl .n,hts under ~:==- not man that we are ulllble to exercise Ar6ltratlon and Utlgatloll 11I1s Arbitration and IJtilatlon provision Ipplles to you, unless you were ,Iven the opportunity to reject the Arbitration Ind Utlptlon provisions Ind you did so reject them. In the manner Ind tlrneframe required. If you did reject eftecdveIy such I provision, you a,reed that Iny IitltatiQn broutht by J'OU a,llnIt .. rqlrdlne this KCOUIlt or this Alreement shall be broutht In a court located In the State of De....... Any dllm or dispute ("Claim.) by either you or .. .,alnst the other, or .,alnst the employees, llIents, or ISS.... of the other, Irlslne from or relatll)lln any way to this Alreement or Iny prior Alreement or your ~unt ,whether under a statute, In contrllCt. tort. or otherwise and whether for rnoM7 damqes. penalties. or declaratory or equitable relief), Indudl.., Claims rqlrdl", the applicability of this ArbltJatlon and . Llt"atlon section or the validity of the entire Alreement or any prior Alreernent. shill be resolved by.bindl", arbitNtlon. The IrbItratIon ~I.be CXlnducred by the NatIonal AlbIc...... 9 Forum (~under the c6IJe of PIoceduIe In eftecl at the dine the Claim Is filed. Rules and forms ci the NatioMl ArbItr.tIen FONm may be obtalned.nd Claims II1IJ be filed at any National Arbitration Forum olIlc2. WWW.arb-forum.t"nlft. or P.O. EIal50191. M~nneapOils, Minnesota 55<t05. telephone 1-800-474-ml If the NAF Is unable or unwllhne to act as'lrbltrator. we ;.., substitute lnother nationally recoenked, Independent .... tratlon.oftlnlzatlon that uses I similar code of pnx.c.dift. At your wrltten.request, we wiD advanc:e.1nJ Imltratlon ftlm. fee. or IdmlnlstrltM and helrlne fees tllet )leU are requi_ to pay to pursue I ClaIm In arbitrlticaa. The arbitrator wtII decide who will be ultimately responsible lor paJinl t"- lees. In no event will JOU be required to relmbulM .. lor a", arbitration Jilin&. administrative. or headnt fees ill 8ft amount ,reater than what your coun CClSts woulll have been If the Claim had been resohed In a state aIUIt with luriadlctlon. Any Irbltratlon helrine at which you appeu wiD take pIMe within the federalludlclal dlstricl that iRdudes your bin.... address at the time the Claim Is fIW. ". arbitration ...... ment Is made pursuant to a tranuc:don Involvinc I~ C9mmerce Ind shall be e<wemecrf br the Federal AIbItratIGft NtJ.,9 U.s.c. H 1.16 (.FAA,. ludplent.. any arbitrMlcln award may be entered In any COUll hmne luriscllc:tiQa. The arbitrator shall follow exlstll)lsubstantive.... to the extent co!:'5istent WIth t~ FAA ena' applicable statutes oIlimltatloM and shall honcar any.clllms or prIvI.. reco,nlzed by.... II . any parry requests, the arbitrator shaU write 8ft opinion ClOn- talnlne the JUSOftS for the a..... . . No Claim submitted to arbitrMian Is Maid by a tufJ MCI no Claim may be brolJlht as a dass ICdon or.. a ~ attorney ,enera!. You do not have the ritht .. eel .. a ca. representative or panldpate as a member 01. ... III claimants with !espect to any Claim. 'ibis AIbitrIItlen and L1tltatlon sectIOn applies to aU Claims ... 1ft existence ... that may ariM In the future. This ArbItration and Utlptlon IeClIen shall SUMve the termlnatloR of your aa:ount with .. . well as a", wlu....ry payment 01 the debt In full by JOY...., bankruptcy by ,... _ sale 01 the debt .., .. . For the purpoHS 01 this ArbItl6.n and UtlptlGn HCdoft "we. and .... means MBNA AmerIca Bank. NA Its pal'elll . subsidiaries, affiliates. Ian..... ~<CUIlll:.. ..\KlIOeIeQ.... --Itl....4Int flui..J :urol )CAlfI_ _ v-.w all cl tM" eflkar6 dIreCtors, employees. ....., and ....... or a.., aNI all ., , them. AdcfItioMlr. "We- or ... shaIJ IMMl ..., th.... .... ;rovIdlN! ~nefItJ services. or~ In connection wIIh -Ole accounl (1nC~I"" Out t.onrlllllCQWU~.nl ou.__. ....... chants that actepC any credit cIevIat iIIued under the account, rewards or enrollment ..... credit IMUNnm companies. debt collectors. and II cI their offtcers dlnlCtOlS employees and .rallf. and on" I, such a third p.1tJ .. . named by you .. I codefendant In a.., Claim you _ .,.Inst .... . . If any pan of this Arbitration Ind Utiptao..H41on fa found to be Invalid or unenfoft:uble under any law or statute consistent with the FAA. the remainder cI this NUt..lIon .nd Utllatlon section shaD be enfottable wIthoUt reprd to such Invalidity or unenfoft:eabllttJ. . THE RESULT OF THIS ARBlTRAT10N AGREEMENT IS THAT. EXCEPT AS PROVIDED NY:NE. ClAIMS CANNaI' BE LITIGATED IN COURT. INCLUDING SOME CLAIMS THAT COULD HAVE BEEN TRIED BEFORE A JURY. AS CVtSS AC110NS. OR AS PRJVATE A1TORNEY GENERAL ACTIONS. ..- te .. CREDIT iN'SURANeE BENEFITS, LIMITATIONS, COSTS & EXCLUSIONS CONSUMER PROTECTION DI50.0SURES CREDIT INSURANa IS: NOT A DEPOSIT: NOT FDIC- INSURED: NOT INSURED BY ANt FEDERAL GOVERNMENT AGENCY: AND NOT GU~ BY THE BANIt. PURCHASE-of CREDIT'INSURANa lSoNeT-A-CONDITION Of OBTAINING CREDIT. If COVERAGE IS DESIRED, IT MAY BE PURCHASED ELSEWHERE. Cred" Insurance paJl your minimum monthly payment- up to your balance on the d8te 01 Joss (not to exceed 525.000. except dls8bIHty In MN). until you retum lo work" If JOU are Involuntarily unemployecl.1mIIJ! disabled. or II you or JOUr spouse taka covered family Iene. Credit Insurance .... pays your Insured outstandInt blJance up to the ... 01 JClUI' outstandlnc balaflCe. your credIr limit (not AL. A7.. M. DE. DC. ID. IL. ..... LA. MD, MN. MS, NY. ND. OH, OK. RI. SD. va: ! WA, WY " WY), Dr S25,ooo If J8U tile. : tlll!lblllm One Insured per account IInsured mUll be the ! primary cardholder or . co-eppJlcant. authorized users are not i elltlblel, under ace 66 (70 in A7., NY" VA: 71 1ft FL. CiA. MI, II MO " OK: 72 in NM). Your cove,. ends at these same ... lexcept Jaml" leave In A7., f'L " SD 'unemploymentl. When . enrollecl. cenlfialta will be mailed explain I", ,our cove,... . "eflectlve date. In MN. unemployment COYeI1lIC! Is ertectlve 61 days from your certificate effective cIate. For unemplorment or famIly leave benents. JOU must be ,alnfully emploped worId",.t lust 30 hrslWlt (not self..ernpJo,ed or an Indc~ncknt contractorl for 90 consecutive deJl before the dete 01 loa IC'O - before appl~tlon dete), (M - on the. date 01 loa). i ITX - before coverace effective dete for unemployment). ! Employees 01 prolessional corporations may be el..... , CDveralEes I;. Benefll-. Credit Insurance covers: ,... ;! ~th: involuntary unell~,..-=nt due to Job loss, ..... strike, unionbed I.bor dispute, or lockout: totel dlAbll1ty due : to sickness or inlury If you are unable to perform the materiel i. "subsuntlal dutIeS oI,our job (or any Job.fter 12 mol. tn : PA: 18 mos. In AL. Al. All. CA. DE. DC. CiA. HI, ID.ILIA. ICS, . lA MD. MN. ~.5. N'( ilia. 11I1\ l'ltot. nc.. Rl ~n.. TN ~ W#,. vv WI." WYj: your or your spouH'a unpatci lave oIat.enrz from employment d~ to ~ 0I)'lDUF newborn or newly adopted child or en lilc:epaduted Immediete IamiIr member (fRUIt be ~. UIIIU. ....."...,.~ ....-._.... .\1(,. .I_..JI._I ,~-"I_ active military dur,: Jury duty ,exciept III AKJ: or residence in a federally declared d....er ..... L.oIs,not de.th. mUll continue .t least JO deys before benellts beIJn. In MY, for strikes, unionized labor disputes" lockouts, you mUIC be unemployed for 7 consecutift wefts " qullty for state unem- ployment benellts before beneltts beIIn. A delly beneRt Is paid for each day of loa ewer JO deJl for unemployment In NY " PA. and disability In CA. CT. ~ NY. MI. fA. RI " sc. You may cancel this cvverep at any tJme. If caJtceled within the "ill JO days of cove.... all premiums will be refunded. r"cluslo..- ute: suicide fn the first 6 months 01 cove,..e lnot MD "MO). Involunc.ry Unemployment: retirement. resitnetlon. voluntary forfeiture 01 Income or Job loa due to willful or aiminal misconduct, disability. strikes In IL, military dlsche,.e In NY " normal seasonal unemployment In TX. Disability: normal precnency or childbirth Indt CA. MA " NY1. intentionally self-inflicted InJuries (not MD), or . pre-atstq medal condition durlnl first 6 months of cove... (not NI). Family leave benelitlare not paid If JOU .re el"lbIe for or ., receiYi"l ur.c". ~~,..~nt benefits or.re dlAbIed. .- - II . ~.......' ,. 'Mils Is olilfa brief clescriptlon 01 cove.... and cove vary by sC8te. Please refer to JOUr cenlftcates lor . run ..... explanatloft of ~ Costs Der StOO Der MOllt1l of AyeraRe DaIlY Bal....-- Costs apply to ute (L), Disability (D" UneIl'PIO't,,~1\t fU) 5- ramlly Leave (F): AL "'.5c: AX 1Ic: Ill. ".te: M 9tc: CA 89.9c: CO 50.66(: CT .2.19c: DE ".te: DC ".te: FL Me: GA 9O;k! HIIUlc: ID 99.5c tt. Uc, D IUc. U S4c. F 2Oc1: IL &n.97e: IN 96c: IA n.1e tt. 7.2c. D I~ "'54c. F 2Oe): g. 85."7c: ICY 97."<: LA 99.9Jc: ME ".~ NO 79.74(: MA ".7c: MI15.7c: MN J...~: MStJ.5c: MO.I.lc: MTfI.te: ME 95.Ic: NV 99.11<: NH 9k: Nl97<: NM 5Uc: 1ft' 'Ue t1-I.Ic. D 26.1(. U 16.te): He 713c: ND ".91c: OH ".te: OK 97..7<: ~ 1O.Ic: PA H.le: PR 9tc: RI ".Ie: SC 7.1.1c:'SO ".te: TN . 92.5c: TX 31. 'k (L".Ic, D 12.te. U 16C): UT "..we: VI' M.92e (L6.61c, D 12.24(, f 16C):"'1"< CLt.lc, D '.te. U _., 2Oc): WI. 'Ute: WY 99.5c; WI fI_ fL 5.7e. Ii) I.te, U He . F 2Oc): W't 'Uc. . AV811ablllb: Involuntary Un&...pIc"..-=nt .. not av.11abIe 1ft MA or Yr, Family Leaw Is not available In AI.. CT. MA. MO. MN, HM. NT. fA. . TX. .1lI1dsrwrld... CompllleslPollc:w: InvoIufttIny Unemployment: American SecurItyJL01(5IU), LOI NYCMS) AS LOt TXC 11m). LOIC-IP-ICStMII. Ll"IC-IP-CRS-ME(WS) . and LOJC-IP: Standeld GuarentpSG 1.01 C5IU) (NH ...,.. ute "DlAbllltJ: Union Securky UfWt..I-z. ~ In AI., M. Alt. DE, DC. 10, It.. fA. D. LA. MO, MM. MS, NY. NIl. OM. OK. RI, SO, vr, WA. WV " W: Standard GuarantJ We (1X onIrY L-I-Z(1I92)C3.53RAI, First FortIs ute (NY Ufe on"~11 American Security (NY D1Ablllty only)IW+i\, FeIIIa ' Insurance (ME o~Iy)IU-X-A. Family Leave: ArneIiclIn SecurltylFLP (41'97). FLP-FLC12I9711n FL. FLP-NC (JI'IM) In NC, FLP-OK(4I97) 1ft OK. FLP-VA(219I) In VA. f'L-IP(AZ)(7I98) 1ft M., FL-lpt4l9711n IL" IN, FL-IP-ICS (12197) In ICS. fl,IP-ME (.u99) In ME: FL-IP-WVC.w7) In WY: Standant Gua~ 141971 In NH: Union SecurIty UfelFLP-V1l""") In Yr. SoIIdt1ni ..ents for Mississippi and FlorIda .Ie Che.... Me GoMon ... Pamela Cunls ,.. ~ 1~lr.. The creditor may receive CXIIIlpenutlon In connection wltII this oBw. It Is a crime to DJOVIde false or mislead.... InIormellclrllO.ft Insurer for the pUfPOH 01 clefraudinc the ....... Of a..,... peJson. Penalties Include h,4ft3r.~.~......... In ____ .n Insurer may deny Insurance beneftIa ..... IrA. ,. ~n . ...._~I.I&\r._...&_- '-' --'4'~~''''''-'''\r-''-V-'' -" -Less pest due.nd ower credit limit .mou-.In MI. cxwer- ale pays ,~ of the balance on JOUr dare 01 dlubIIItJ .. .. 51250. In OR. coverqe ..,. the treater of II36th 01 the bel- ance or the cunent minimum peJJPeftt due on JOUr datil. 1oIs. In NY " fA. cove... peJI the mlftlmum peJment due on your date of loa. In TX. cove... peJI the .... 01.... CI! your Insured outstendl"l belance on JClUf dale ol ur';..lf~ ment or JOUr minimum monthly peJmIIlt. .. --The number of monthly benefit paymen&l will not ellOIed' for family Iene: 12 for urllL'pk.,,,, , << In AI.. II.. a. L MI. MN MO, NM, N(:, NY. fA. SC ""IX: 12 far dIsabIIltJ In M. CO, cr. FL, ICY. MA. MO, MT. NE. NH. NM, NC. OR. sc. UT" YA NY. N, & TX R_lde.... o.J,I1b pu.m.e mveraees .........; write to Assurent Group, P. O. am 5Cm5. Adanta. ~ 30112. Applications will be _10,... .- 12 EXIt/l3fr "13" IIr NATIONAL ARBITRATION FORUM iI!) MBNA Am-~rica Bank, N.A. clo Wolpoff& Abramson, L.L.P. Attorneys ir. the Practice of Debt Collection 702 King FfJrn. Blvd, Two Irvington Centre Rockville, MD 20850-5775 CLAIMANT(s), AWARD RE: MBNA America Bank, N.A. v Isabelle G Henry File Number: FA0401000223834 Claimant File Number: 5490350321576418 Isabelle G Henry 824 Linwood St New Cumberlnd, PA 17070-1442 RESPONDENT(s). The undersigned Arbitrator in this case FINDS: 1. That no known conflict of interest exists. 2. That on or before 01/06/2004 the Parties entered into an agreement providing that this matter shall be resolved through binding arbitration in accordance with the Forum Code of Procedure. 3. That the: Claimant has filed a Claim with the Forum and served it on the Respondent in accordance with Rule 6. 4. The Re~pondent filed a Response with the Forum that was deficient pursuant to Rule 6 of the Code of Procedure. 5. That the, matter has proceeded in accord with the applicable Fonun Code of Procedure. 6. The Parties have bad the opportunity to present all evidence and information to the Arbitrator. 7. That the: Arbitrator has reviewed all evidence and information submitted in this case. 8. That the information and evidence submitted supports the issuance of an A ward as stated. Therefore, the Arbitrator ISSUES: An Award ill favor of the Claimant, for a total amount of$7,268.65. ~?~~- "lob D~ iI~~. is'( y- . Arbitrator ACKNOWLEDGEMENT AND CERTIFICATE OF SERVICE This Award was duly entered and the Forum hereby certifies that a copy of this Award was sent by first class mail postage prepaid to the parties at the above referenced addresses on this date. Entered ill the State of Pennsylvania Date: 08/02/2004 c::::~<J . - _ 4.~ \~_ Honorable Harold Kalina, Ret. Director of Arbitration 08/02/2004 A " ~ ..J ..,J N --t ~ j l\ ~ ~ ~ ~ ...0 ~ ~ ~ f .. 0\, () Q ~;; <.. iJ;:......1 :~~) 1.:~ J ~:!): r.:~(:; ~~~ ;~ ):>(: ?" ::2 r--) C'_"> c.::::> ..c- :,r: C:) .~ ~ :r:n N ~~~ .r;:- q 6 . V\ .: t ""I"I _.r: ""1 ~: Q (') - ~''iln 1....0 l~::-l .. )?, o ~ w 23 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MaNA AMERICA BANK, N.A. 655 PAPER MILL ROAD MAIL STOP 1411 WILMINGTON DE 19884-1411 No. 045911 Plaintiff VS. ISABELLE G HENRY 824 LINWOOD ST NEW CUMBERLND PA 17070-1442 Defendant(s) PRAECIPE TO SETTLE AND SATISFY PLEASE MARK THE ABOVE-CAPTIONED ACTION AS SETTLErl, SATISFIED AND DISCONTINUED. Respectfully submitted, By: Amy F. Doyl 7062 Daniel F. #20617 Bruce H. erkis #18837 Philip C. Warholic #86341 David Schertz #81925 WOLPOFF & ABRAMSON, L. L. P . Attorneys in the Practice of Debt Collection 267 East Market St., York, PA 17403 (717) 846-1252 Counsel for Plaintiff cc: PAPR4/PA176A W&A FILE NO. 113786031 - 4 r- .) ~, ~'> ,j .'n ~.r.. ~.. i,:-:~.' .._( ~'L: -7" It ~ . : :' >( (..) ,~ } C.~J SHERIFF'S RETURN - REGULAR CASE NO: 2004-05911 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND MBNA AMERICAN BANK NA VS HENRY ISABELLE G BRIAN BARRICK f Sheriff or Deputy Sheriff of Cumberland County,pennsylvaniar who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon HENRY ISABELLE G the DEFENDANT f at 1822:00 HOURS I on the 7th day of December, 2004 at 824 LINWOOD STREET NEW CUMBERLAND I PA 17070 by handing to ISABELLE HENRY a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 18.00 12.58 .00 10.00 .00 40.58 '/2 /~y' J .-r ~'.p.I>-:>-'~~/~ R. Thomas Kline Sworn and Subscribed to before -(' me this '7 :.;,- day of /1 , ~.AAl dl,'V.-:I A . D . Ch<-< - Q. n~~ · rothonotary f ~~{~~'~O~4AB~~ . I ~ ~ By: fllJ~~ IIJ~ Deputy Sheriff