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HomeMy WebLinkAbout05-0309 COURT OF COMMON PLEAS JUDICIAL DISTRICT NOTICE OF APPEAL FROM DISTRICT JUSTICE JUDGMENT COMMON PLEAS No. C>S -309 NOTICE OF APPEAL Notice is given that the appellant has filed in the above Court of Common Pleas an appeal from the judgment rendered by the District Justice on the date and in the case mentioned below. I MAG. DIST. NO OR NAME OF O.J. ZIP E OF J FOMENT /E TA 19 _?y 'IU42CJ? ?/ U LT 19 This block will be signed ONLY when this notation is required under Pa. If appellant was Claimant (see Pa. R. C. P. J. P. No. R.C.P.J.P. No. 1008B. This Notice of Appeal, when received by the District Justice, will operate 1001(6) in action before District Justice, he MUST as a SUPERSEDEAS to the judgment for possession in this case. FILE A COMPLAINT within twenty (20) days after filing his NOTICE of APPEAL. Signature of Prothonotary or Deputy PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE (This section of form to be used ONLY when appellant was DEFENDANT (see Pa. R.C.P.J.P. No 1001(7) in action before District Justice. IF NOT USED, detach from copy of notice of appeal to be served upon appellee). PRAECIPE: To Prothonotary Enter rule upon Name of appellee(s) appellee(s), to file a complaint in this appeal (Common Pleas No. ) within twenty (20) days after service of rule or suffer entry of judgment of non pros. Signature of appellant or his attorney or agent RULE: To appellee(s) Name of appellee(s) (1) You are notified that a rule is hereby entered upon you to file a complaint in this appeal within twenty (20) days after the date of service of this rule upon you by personal service or by certified or registered mail. (2) If you do not file a complaint within this time, a JUDGMENT OF NON PROS WILL BE ENTERED AGAINST YOU. (3) The date of service of this rule if service was by mail is the date of mailing. Date: 19 _. Prothonotary or Deputy AOPC 312-e4 COURT FILE TO BE FILED WWI faC)iHC???t`? ,<tgY PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT (This proof of service MUST BE FILED w1Tf/iN TFN {'to) DAYS AFTER filing the notice of appeal. Check applicable boxes) COMMONWEALTH OF PENNSYLVANIA COUNTY OF AFFIDAVIT: I hereby swear or affirm that I served SS ? a copy of the Notice of Appeal, Common Pleas No. ?.?. , upon the District Justice designated therein on (date of service) 19 ? by personal service ? by (certified) (registered) mail, sender's receipt attached hereto, and upon the appellee. (name) __...-- ------ on , 19 ? by personai service ? oy (certified) (registered) mail. sender's receipt attached hereto. ? and further that i served the Rule to File a Cornpiaint accompanying fire above Notice of Appeal upon the appellee(s) to whom the Rule was addressed on -_. -.-, 19 -_ ? by personal service ? Dv r`certihod) (,-egisfersdr malt, sender's receipt attached hereto. SWORN (AFFIRMED) AND SUBSCRIBED BEFORE ME THIS ._? DAY OF 19 Signature of o/ficia/ t>efo?e whom affid2vi? was made Title of official e ? ? ? 19 My commission expires an - ? Q' CJ cn 77 c- r II^^ "T n c0 -._ vtgr [ - C] 71 C.. l G `_?flr . -.cr hJ of affiant COMMONWEALTH OF PENNSYLVANIA rnl Ir lTv nF CUMBERLAND Mag. Dtsl No.'. 09-1-02 Od Names. Hon ROBERT V. MANLOVE nad,ess. 1901 STATE STREET CAMP HILL, PA Telephone--. (717 1 761-0583 17011-0000 CAPITAL ONE BANK 21 YOST BLVD APT/STE 301 PITTSBURGH, PA 15221-5283 NOTICE OF JUDGMENT/TRANSCRIPT CIVIL CASE PLAINTIFF: NAME and ADDRESS FCAPITAL ONE BANK 7 21 YOST BLVD APT/STE 301 PITTSBURGH, PA 15221-5283 _L J VS. DEFENDANT: NAME and ADDRESS FRHOADES, JR., BRIAN E 54 DILULLO RD PENNFIELD, PA 15849 L J Dockell CV-0000486-04 Date Filed: 10/12/04 499 THIS IS TO NOTIFY YOU THAT: Judgment: 'DEFAULT TUDGMENT nRF Judgment was entered for: (Name) RHOADES, Tu RR_rAN SR Judgment was entered against: (Name) cAPTTAT_ONE BANK in the amount of $ On on: Defendants are jointly and severally liable. Damages will be assessed on: E This case dismissed without prejudice. Amount of Judgment Subject to Attachment/42 Pa.C.S. § 8127 $ Portion of Judgment for physical damages arising out of residential lease $ Post Judgment Credits Post Judgment Costs `Certified Judgment Total ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH THE PAOTHONOTARYICLERK OF THE COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF JUDGMENT/TRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL. EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVIL PROCEDURE FOR DISTRICT JUSTICES, IF THE JUDGMENT HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE DISTRICT JUSTICE. UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A REQUEST FOR ENTRY OF. SATISFACTION WITH THE DISTRICT JUSTICE IF THE JUDGMENT DEBTOR PAYS IN FULL, SETTLES, OR OTHERWISE COMPLIES WITH THE JUDGMENT. C Date I certify that this is a truqlg Date (Date of Judgment) 1211 r, 1n4 (Date & Time) Amount of Judgment Judgment Costs Interest on Judgment Attorney Fees Total r My commission expires first Monday of January, 2006 . District Justice containing the judgment. , District JI sUCe SEAL AOPC 315-03 DATE PRINTED: 12/16/04 1:17:00 PM c? C) t." Kri 'l"1 t? s ?,: <<) ,yti F r r OPP ,,.. sk Nip COMMO WE -? i„ cr AFFIDAVIT: - ?rvs ?l oP V.":Y - KO '?.PJ/Al/O .. • . ,.:,, .„ „, ., ,... V, , „ r „...., f rr r , r:;::!!rr7 ';ele7G r f 14i( :: :_ ??? ^J J lly kk pt 0: u_... '(sCtF :_? ?Z'Z'?'?.Z 'k . .. Seal DebaC W"M .I cyRMC p WC ep mApr2ZLW! N *m Mambar. PWft"* A%O*AM OIN*ft GOMMONWEALTH OF PENNSYLVANIA I .. 71pW0N fOF COMMON PLEAS JUDICIAL DISTRICT NOTICE OF APPEAL FROM DISTRICT JUSTICE JUDGMENT COMMON PLEAS N4 , ?" ? ?lJt NOTICE OF APPEAL Notice is given that the appellant has filed in the above Court of Common Pleas an appeal. from the judgment rendered by the District Justice on the date and in the case mentioned below. NgME 1 APPELLANT ? MAG. GIST. NO OR NAME OF O.. , f 09- /- paz AG?RE OF APPELLANT CITY STATE ZIP CODE I OgTE OF J OMENT IN THE CA6E OF (P(UFIM) , (?/ on' TA 19.E??/((Lll''7 v LT 19 This block will be signegi ONLY when this notation is required under Pa. If appellant: was Claimant (see Pa. R.C.P.J.P. No. R.C.P.J.P.. No. 1008B.-4 : This Notice of Appeal, en receivgd by. the District Justice, will operate 1001(6) in action before District Justice, he MUST as a SUPERSEDEAS to e judgment for possesEion in this case. FILE A COMPLAINT within twenty (20) days after filing his. NOTICE ot.APPEAL. Signature of Prothonotary or Oeouty PRAECIPE TO ENTER RULE TO.FILE COMPLAINT AN©;RULE TQ FfLE (This section of form to bs ul;ed OftY when appall0af s ,E ,ANT FE B R ' No f-Q?1 jJ tlL otlan t fo?¢ lls rot , Justice. IF NOT,tT3fi}'t!s'f# zh iroftiy.o# no(it a4iP1? +eaay; ,01 -1 PRAECIPE: To Prothonotary Enter rule upon appeliee(s), to file a complaint in this appeal Name of appellee(s) (Common Pleas No. ) within twenty (20) days after service of rule or suffer entry of judgment of non pros. Signature of appellant or his attorney or agent RULE: To t appollge(s) w, Name of appefleefs) (1) You are no 'fied that a rule is hereby entered upon you to file a complaint in this appeal within twenty (20) days after the date of sere' a of this rule upon you by personal service or by certified or registered mail. m, (2) It you do not file a complaint within this time, a JUDGMENT OF NON PROS WILL BE ENTERED AGAINST YOU. AOPC 312-94 COURT FILL - S. Postat Service ERTIEIED MAIL RECEIPT omestic Mail`Only; No Insurance Coverage Provided) n" Postage ° $ $0.60 0 ..o. 11287 p Certified Fee 03 p Ratum oeipt Pee ° 1. Postmark Here p (Endorsame'R equkad) „ m Restrbted Delivery Fee O {EmbraemeM Psquired) $§, $ I)1t":i'},!?Qn` Rl Total POstage8Pees Of 117 p ULH I.IhitU MAIL RECEIPT (Damestic Mail Only;. No Insurance Coverage Provide, S r- Postage $ $0.:7 C3 J^87 M ° CaHtt)ed Pea tJ3 C3 Retum Receipt Feek"e .A {Endorsement RepWred) Here ? R3 =asemeMHiRSgahaN !•t i lU ToWftd"%&Feee $ $4.42 01 /20/2005" IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK, ISSUER OF CAPITAL ONE : Docket No.: No. 2005-309 CARD, NOTICE OF APPEARANCE Plaintiff, vs. BRIAN E. RHOADES, JR., Defendant NOTICE OF APPEARANCE TO: Paul V. Ressler, Esquire, Attorney for Plaintiff AND TO: Prothonotary YOU AND EACH OF YOU PLEASE TAKE NOTICE that the defendant hereby appears in the above-entitled cause and requests that all further papers and papers herein except original process, be served upon the Defendant at the address below stated. Dated this 8cn day of February, 2005 By: v _ Tian E. Rhoad s Jr. 54 Dilullo Road Penfield, PA 15849 814-335-1617 ?; _, - ?':, - :? . . ` : ; ,., `, ?o-;' IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK, ISSUER OF CAPITAL ONE Docket No.: No. 2005-309 CARD, Certificate of Service Plaintiff, VS. BRIAN E. RHOADES, JR., Defendant CERTIFICATE OF SERVICE I certify under penalty of perjury under the laws of the State of Pennsylvania that, on the date stated below, I did the following: On the Stn day of February, I mailed by certified U.S. Mail a true copy of the NOTICE OF APPEARANCE and a copy of the ANSWERS, AFFIRMATIVE DEFENSES AND COUNTERCLAIMS filed in this matter to Paul V. Ressler, Attorney for Plaintiff at the following address: 21 Yost Boulevard, Suite 301, Pittsburgh, PA 15521-5283. Dated th _s 8th day of February, 2005 BY' L , / ?` s . Brian E. Rhoad s?Jr. 54 Dilullo Road Penfield, PA 15849 :- ` t ?.£ _.. ?''?? Ci .. { r„ &-? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK, ISSUER OF CAPITAL ONE : Docket No..: No. 2005-309 CARD, : ANSWERS, AFFIRMATIVE DEFENSES AND : COUNTERCLAIMS Plaintiff, VS. BRIAN E. RHOADES, JR., Defendant ANSWER Defendant answers the complaint as follows: 1. Admits the statements found in the paragraph number 2. 2. Denies the statements found in paragraphs 8, 9 and 10. 3. Lack of knowledge about the truth and therefore denies the statements contained in paragraphs 1, 3, 9, 5, 6, 7 and 11. AFFIRMATIVE DEFENSES Defendant's other defenses are: 1. These ALLEGED debts are time barred under Pennsylvania Statute §5525 and the Pennsylvania Uniform Commercial Code Section 2725. The starting date of this statute of limitations being the date of last purchase or the date of the first default on the subject account (see attached exhibit A). 2. The defendant's credit report shows the date of last activity (charge off) of October of 2000. The FDIC requires banking institutions to charge off debts 180 days after the first default. Therefore, the first default on the ALLEGED debt was in May of 2000 or earlier (see attached exhibit B). Defendant requests that this lawsuit be dismissed and that a judgment be entered against the plaintiff for any counterclaims, costs or attorney fees. Dated this 8th day of February, 2005 By: 11. 4 ^Brian E. Rho es Jr. 54 Dilullo Road Penfield, PA 15649 EXMBIT "A" PENNSYLVANIA Subchapter B. Civil Actions and Proceedings. § 5525. Four year limitation. The following actions and proceedings must be commenced within four years: An action upon a contract, under seat or otherwise, for the sale, construction or furnishing of tangible personal property or fixtures. Any action subject to 13 Pa.C.S. § 2725 (relating to statute of limitations in contracts for sale). An action upon an express contract not founded upon an instrument in writing. An action upon a contract implied in law, except an action subject to another limitation specified in this subchapter. An action upon a judgment or decree of any court of the United States or of any state. An action upon a contract obligation or liability founded upon a writing not specified in paragraQh (7), under seal or otherwise, except an action subject to another limitation specified in this subchapter. Si )f -l :AR 1 ti ( RO\1 1,1RS 1 I)111.1NOt I1.N( Y Section 2725 of the Pennsylvania Uniform Commercial Code provides that "an action for breach of any contract for sale must be commenced within four years after the cause of action has accrued." 13 Pa. Cons. Stat. Ann. 2725(a). A cause of action for breach of a contract for the sale of goods "accrues when the breach occurs." 13 Pa. Cons. Stat. Ann. 2725(b). In the case of an installment contract, breach of the whole contract occurs "whenever nonconformity or default with respect to one or more installments substantially impairs the value of the whole contract." 13 Pa. Cons. Stat. Ann. 2612(c). 15iA?C Equftx Croft Report N of Soperolm 29.2004 Name: Brfaa E Rhoades Jr. Conlnn0m Nrarelaf: 41{7170774 This Eardhx Credit POgwr1e la available for you to view will 1Or&WOt14.. It you would Mce a ourerd Equlfarr Credit PAPA you may older anedrar one m the MwWw Core Seldom TWO aasdosDaeerlptloe 1. Personal h*ffmom Poraonal dais. addressee. wnpbynrnt hl" . 2 CM&S rmMEY Summary of account scoff Account Inforgromon a Dalded account 0 dw.. Mon 4.16AldQf Compardes But ham requaaled or viewed your creS kAbarrradaorr A.C? Yo sou AccoWNslwWmorto coloclonagendas Q Pudic.Qy BaMOUpdaa. Ism 9wrishrrwea and other Powft 7- Disoule How to dimpobMdwmaaarbuWonod craft report 1. Personal hdmrdon The bbwtrp irrlOrnoft b added b your w starer when c "l l ~ regress b Mew your d, M hfabry. a titan you report # to E*Wmx directly. If you below !wt *watt* bdbi oft b ikew. plum sea do Dlsoubs file I seckn at tfre errd of Brie report. Name: Brbn E. RhOWN Jr. Age or Dab of Sk t: 33 ysers Cw fm*AddraN 112 N ENOtA OR ENOLA. PA I?= PonwaAddrwse 1 655 RDOE AVE ENOiJk. PA 17025 &rrployrasat laabry You haw no Empfoy~ Ilblmy on ate. Fraud AMA You hors no Proud Alert on fils. You how no Coneu w Bealerrrsrrt on ale. Promodooal Bloch btu i .eoonsuma "ifax.comJooasuzned*odudView ehmnl?p" c&-CPO&oi nu... 9123/2004 MFIRMta OVIUU ? you have no Prornavonal Block on Ills. O Bade to Tao 2. Credit putnnary The fopowirtp kdamaron is a aunmry of Me Account ktforrnoft In V& mporL To view your accounts in Aip doW, we pre Account Inbrrnapon ee Or p you bsNWG that arty of Vf h lbn,m m a kmorred, please sae the Deotde Fde ktfwaodon ser ow of pis end of the mpat. The ktb .-Okmt e e enepdo in pme and No"' account sviusss and betrtoss as of the deb shown above. Typeaf Aaaat MweberofAmatre TOWSmNnoe OfAeeaaris MROW ® • ® # 9arsbJnp • i TOW AOaaas WNW of Open Accounts Ma1bw of Closed Accounts TOW AooouMS in C*W SrardM ® • Aumunts Currently Past Due NNOWAmwatwomm in tact 12 Monar Too o Bade to & Aeeount inta nadoa ht"Wwww.aconaw= "tufmt.com wnm med*o&wtVmvv ehW?Omd_q&CM&oi na.. 9/23/2004 2063 Ja Fab Mar Apr May Jun Jul Aup Sp Oct Nw Oso 200! Jan Feb Mar Apr May Jun Jul as sp 00 Nov Dec Await Number. Rob or malls: PAYS AS AGREED AooouM Oww: kv&I&W tiyh Cma $2=6 Typso/AoopeM? MO Opened: wommad OM M Tenn or %%N* psymom BMrtos: $61 $0 OMs Rpottd: MM PeN Dw: $6 Dole of Uft A lly: O/flm Mordlro RWWWO : 251 Corlallsnb: No 2"* Mh Payment Dote OVSM* eor dMPfey. Una-Yex Pgmnsnt HISIMY 30 Drys Psst Due: 0 on" 50 DoyS Past Due: 0 tlnrss W D"S Pat Da: 0 YRISs o Back to Ton CAPITAL ONE Po Bat 85620 klt and Zip 12000-183 RWwoond, VA 2328551520 Acownt Number: 412174134275XXKK Pike or Sbtn-. CHARGE-OFF Acoount Oww. bullukkAd M$b Cmk $B30 Typo of Aocourd a RwoNklp Tw" or mm" Payment $0 Oft opaad: 07/19CS BNence: $2,529 DMe Repabd: ollaw PaN Dur. $2,523 VM of Lag AcWMy: 16@600 Mon Ills Revimed: wh Comments: Chaped05Aoeoum, Crom Cad naps:r/www. .cqu&x coWcoosuma*oatictVicw- A?pmd O=CPO co; w... 9r MW4 Seven-Year Payment Mabry r -:,?::' ,.x,.a?„?.? ..? ,. ! : . , ?, -, ,- r ?; _,, 1., -' ?, ? , , :, ? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK, CIVIL DIVISION ISSUER OF CAPITAL ONE CARD Plaintiff VS. No. 2005-309 BRIAN E. RHOADES, JR. Defendant PLAINTIFF'S RESPONSE TO DEFEN'DANT'S AFFIRMATIVE DEFENSES Filed on behalf of Plaintiff, CAPITAL ONE BANK, ISSUER OF CAPITAL ONE CARD Counsel of Record for this party: STOCK: & GRIMES, LLP By RESSLER & RESSLER, P.C. Michael W. Darpino, Esq. PA I.D. #90018 21 Yost. Boulevard, Ste. 301 Pittsburgh, PA 15221-5283 (412) 824-6944 The averments contained in Paragraph 2 of Defendant's Affirmative Defenses are admitted in part and denied in part. It is admitted that Plaintiff's credit report shows the date of last activity as October of 2000. The remaining averments are conclusions of law to which no response is required. To the extent a response is required, it is denied that the statute of limitations has expired for reasons set forth in Paragraph 2 of this document. WHEREFORE, Plaintiff prays this Honorable Court to award judgment to Plaintiff and against Defendant as per the prayer of Plaintiff s Complaint. Respectfully submitted, RESSLER & RESSLER, P.C. By Michael W. Darpino, Esq. Attorney for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK, ISSUER OF CAPITAL ONE CARD Plaintiff vi. BRIAN E. RHOADES, JR. Defendant Civil Division No. 2005-309 VERIFICATION The undersigned, MICHAEL W. DARPINO, Esq., is an authorized agent of the Plaintiff and verifies that the facts set forth in this Plaintiff s Answer to Defendant's New Matter are true and correct to the best of my knowledge, information, and belief, which knowledge, information, and belief is based upon and has been obtained from a review of the facts and information contained in the business records of the Plaintiff supplied to us by the Plaintiff. This statement is made subject to the penalties of Section 4904 of the Crimes Code (18 PA.S.C.A. § 4904) related to unsworn falsification to authorities. Respectfully submitted, 2/ RESSLER c SSLER, P.C. By Michael W. Darpino, Esq. Attorney for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK, ) Civil Division ISSUER OF CAPITAL ONE CARD ) Plaintiff ) No. 2005-309 Vii. ) BRIAN E. RHOADES, JR. ) Defendant ) CERTIFICATE OF SERVICE I certify that a copy of the attached Plaintiff's Answer to Defendant's Affirmative Defenses was served upon the following individual in the manner set forth below: U.S. Mail, First Class, Postage Prepaid Brian E. Rhoades, Jr. 54 Dilullo Road Penfield, PA 15849 Respectfully submitted, RESSLER & RESSLER, P.C. By Michael W. Darpino, Esq. Attorney for Plaintiff N CAM AL AL 0AA6 6 , I_SSU c ©'r C,4,d1 T4t, cvW CA-e )'LAWT-(FF ' ?2iAn/ C 2?300? S, JR ; 2 ooS- 30q CIVIL 19 RULE 1312-1. The Petition for Appointment of Arbitrators shall be substantially in the following form: PETITION FOR APPOINTMENT OF ARBITRATORS TO THE HONORABLE, THE JUDGES OF SAID COURT: iFU(A Z h/. to &6< ? , counsel fort ainti /defendant in the above action (or actions), respectfully represents that: 1. The above-captioned action (or actions) is (are) at issue. 2. The claim of the plaintiff in the action is $ The counterclaim of the defendant,in the action is The following attorneys are interested in the case(s) as counsel or are otherwise disqualified to sit as arbitrators: - L</.aL L../ WHEREFORE, your petitioner prays your Honorable Court to appoint three (3) arbitrators to whom the case shall be submitted. Respectfully submitted, ORDER OF COURT AND NOW, , 19 , in consideration of the foregoing petition, Esq., and actions) as prayed for. Esq., Esq., are appointed arbitrators in the above captioned action (or By the Court, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. P.J. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK, ISSUER OF CIVIL DIVISION CAPITAL ONE CARD, Plaintiff, vs. No. C)005-30q BRIAN E. RHOADES, JR., Defendant. NOTICE TO PLEAD: COMPLAINT Filed on behalf of Plaintiff, CAPITAL ONE BANK, ISSUER OF CAPITAL ONE CARD Counsel of Record for this party: STOCK & GRIMES, LLP PA I.D. #13657 By RESSLER & RESSLER, P.C. Paul V. Ressler, Esq. PA I.D. #25626 FIRM #739 To Defendant: YOU ARE HEREBY NOTIFIED TO FILE A RESPONSE TO THE COMPLAINT FILED HEREIN WITHIN TWENTY (20) DAYS OF SERVICE OF SAME OR JUDGMENT MAY BE ENTERED AGAINST YOU. 21 Yost Boulevard, Suite 301 Pittsburgh, PA 15221-5283 (412) 824-6944 IN TH? COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPIT ONE BANK, ISSUER OF CAPITAL ONE CARD, Plaintiff, VS. BRIAN . RHOADES, JR., Defendant. . No. NOTICE TO DEFEND Yo 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 (2o) days after this Complaint and notice are served, by entering written appearance personally or by 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 roceed without you and a judgment may be entered against you by the Court without further n tice for any money claimed in the Complaint or for any claim or relief requested by the plaintiff. ou may lose money or property or other rights important to you. Y U SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE O KNOW A LAWYER, THEN YOU SHOULD GO TO OR TELEPHONE THE OFFICE ET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTYCOURTHOUSE CO URT ADMINMSTRATOR, 4TH FLOOR CARLISLE, PA 17013 TELEPHONE : 717-24o-6200 COMPLAINT CARD, b! PAUL V. makes th 1. banking i purposes Ressler, l 2. address c 3• account. 4• number AND NOW, comes the plaintiff, CAPITAL ONE BANK, ISSUER OF CAPITAL ONE and through its attorneys, STOCK & GRIMES, LLP, BY RESSLER & RESSLER, P.C. AND ESQUIRE, 21 YOST BOULEVARD, SUITE 301, PITTSBURGH, PA 15221 and following statement: Plaintiff, CAPITAL ONE BANK, ISSUER OF CAPITAL ONE CARD, is a duly authorized titution authorized to do business in the Commonwealth of Pennsylvania, and for this litigation, maintains a place of business c/o Stock & Grimes, LLP, by Ressler & C., 21 Yost Boulevard, Suite 301, Pittsburgh, PA 15221. The Defendant, BRIAN E. RHOADES, JR., is an adult individual with a last known 54 Dilullo Road, Pennfield, CUMBERLAND County, Pennsylvania 15849• Defendant submitted a written application to Plaintiff for an open-end credit card The original credit card application bearing Defendant's name, address, Social Security signature has admittedly been either lost or destroyed by Plaintiff and is not accessible. 5. Defendant's application for an extension of credit was granted by Plaintiff. Defendant was issue a Capital One credit card at Account No. 41217413 4235 2023• 6. Upon Plaintiff's issuance of the Capital One credit card to Defendant, Plaintiff supplied Defendan with a copy of the Capital One Cardmember Agreement, which contained the terms and condition governing the use of said account. A copy of these terms and conditions is attached hereto as Plainti s Exhibit' A". Said terms were accepted by Defendant upon subsequent use of the card. 7. Defendant, through use of the aforementioned line of credit, on numerous occasions, made or a lthorized the purchase of various items of merchandise and/or services from authorized merchant , and/or used the card to obtain cash advances. 8. Defendant has been provided with monthly itemized account statements, accurately describing all purchases, payments, interest charges, and penalties that were posted to said account during the relevant period, as well as the interest rate applicable to the outstanding balance. 9. Defendant made no written objection to the above mentioned Statements of Account submitted by Plaintiff to Defendant. 10. Defendant has failed to pay the balance due and owing on the aforesaid account in the sum of O E THOUSAND FIVE HUNDRED SIXTY TWO AND 94/100 ($1,562.94) plus costs of this action an reasonable attorney fees in the amount of $390.74, as provided by the Capital One Cardme ber Agreement. 11. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLE A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. WHEREFORE, Plaintiff prays this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, in the sum of ONE THOUSAND FIVE HUNDRED SIXTY TWO AND 94/100 ($1,562.94) plus costs of this action, and reasonable attorney fees in the sum of $390.74• BY: Respectfully submi RESSLERBz RESSLER, P.C. Paul V. Ressler, Esquire PA I.D. #25626 Attorney for Plaintiff IN TIE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK, ISSUER OF CAPITAL O E CARD, Plaintiff, vs. BRIAN . RIQADES, JR., Defendant. Plaintiff, order to foregoing upon request. : No. VERIFICATION undersigned, PAUL V. RESSLE& ESQ., hereby states that he is the attorney for the ipital One Bank, Issuer of Capital One Card, who is located outside this jurisdiction and in the within document in an expedient and timely manner, he is authorized to take this on behalf of said Plaintiff in the within action and verifies that the statements made in the int are true and correct to the best of his knowledge, information, and belief, based provided to him by the Plaintiff. Affidavit signed by the Plaintiff will be provided to Defendant or counsel for Defendant upon undersigned understands that false statements herein are made subject to the penalties of 18 PA.S.C.A.I§ 4904, relating to unsworn falsification to authorities. Respectfully submitt d, STOC' LLP BY: RESSLER & RESSLER, P.C. Paul V. Ressler, Esquire PA I.D. #26626 Attorney for Plaintiff CUSTOMER AGREEMENT eeelxme 10 i..aplel Ona.a We ro olaatrl to men Incur credfl card acc urn This 43rcmnent ,flk S imfO M3W aorta y7jr accodrr. Plu* veld it am keep l fa yoL, a::ICa. If this Agrierleat d,e words ,m' 'lour ind'yaua' re12r b each potion *o agled tic epdtikai and to L1Yorre Ohs who am Ina account in any way. Each of yes x+d -Mua..y and L*ov dated under th;s Agmanant. The wortls'ws, 'us' and ire T.Y' Capkat c.x 9e•u am ft su=xmwa oravspns. v.'e on talky amrorck a it r rights, .thaw m't..:S:ccnlwn aiL'nuw rtstlp tlarr Using Your Account. Yo, can msia ourciases and 0bsin oast, adtanaa (t we hm +c,a you flat :ken Atrwnnal are sn opgat foryour swounf., by using your card, account wrrDer. ax any 8aoum adwffi caeda (Including d)&:ey Ct,.46m, r_omlinfonee -Hacks, 5px:ni Tranefar Chaco snd aft. similar masks, mat we they a9na sr you. ,Sher we provide you laTh account sdcoass ^l:fleifs. we Will del you whetter th ,ty wit be mV as ol,rtieum. coin atrvallogi, Of 9pa7fii :arlsle?. U.*w we m-9 M Cfieraf9fi, :Crwirrlcs i hQka we: a ways be heated an :asn advanou. your card of account carats: be used In co.,eeda•. with. any ureemat or -31006 gambling sensations. Your mt and acs:mt may on:y 2e LM for yaltl and lawful pu..Wm. J 'y0U Use. of 8026 30MM nine to Use. nee con'.' oI nC11ont ft.' any imcrMysePole murpoae, you we be raspombo br sue" in and MAY be required to surnurso Ua and Mulor'.,rrf kldTeam!ni'tledporaled orliaa JSA.Inc.. as apdbeble, (or ON amounts or soperaeswe or they pay as a result of such imneffir affile, uee, .r:n: Lvjrw ilia'. tire tare r.0! rospOrr0g; 6 arfive r3FJfal In tenor year 4t wint. If you do )p( 'lea y.Uf a N.M. y0d may t8ed61 it by oa:img or Cusbsmw Rataburrs depemtznt and iaslfs inp ;, mr oatta) and bC2+a:t wAm cracks WaJn 39 days afar you aaeMa S... ;ub Equf io t Transactions. If cash a,lvancies are an option fa yar ancaiim, you can use your accoLm to purchase !Isms flat are OireCMy COttvefgble to 0116.4 These cash fsc2wahnt Vansacbms wig be trained as tsar! advancer and will bo bled to IN cash aco nce Wrnmx of your account Cash Aq u',W:Irt tmisecli0n9 include ink purcoaae at 'vas kaiser money Orden, bete 'aCiryr trials, fs!no gaflwg cMpa. and Millar similar 3rcdutrtr or services. four t;n31t Lime, You •-a" told your c,•adk erh wean you openad your acaoun_ Yev ano ray rave deferent rytadb limn fiat scat, to cinarart seemMtr of your sa:ount eoeh sW snre,aeeb. Card, advances, and wcat }argon). Thebe'xedt em0s ww Its ssrxfiad or your Peiodic inatern?i. You egrae o Mika purrhaees or obtain c'a97 g,yvi, tGBt i.1ry cry' 13 the ratevem cradi; : Ili" we may Inciri a b• deamis your aadk !T.73 at any bile, fey lrhd the ammrt that is rva'A6 for mh advances or may aliuda Cast: advances e't§Iaty frmnr: Ytu• account We may honor L'ansWtIons if excess I you' Crsal 0mil. wan If mesa nanmaftm f&WR In an dvallml its, rod arena harteacbo:.a and Neva will be covered fry this Agreement stating tasys oft. Yoe mandwe l0 Miss ail anroatlz 6ge wwA kda from the use of your ac.. :-t Irclildtg erry, trianrp rharrp,.s nn,: td'rsr "n3sc deco under da W" of bill Agabx•,ent. Paymema Muni be made h U.S. dC'•!are, Payments made by a negd;°abis msrunen! uch as a c^edt or 8 MOney _ ICK I' tat be 11 a!cmt at:caoglob to u one be am-mr. mn a US. ^.nerndat i ithudau. We may allocate p11y"ruants among t& various selmems of ya arcount In anyway we detamw+a. Yo., must pay at heat tae ma Ir•in ancurit due by Iha dale fwtMat ld ton Your Stma, '10 aVbld 11111131 p2yme.Y. lag. HOUNer. YOU =y Ply mda Lh1111 fie Mhrhls:M p9YMert Or ray The btdanc* In fu;:. f1 sny oasis. france ehamee wit continue to be assessed dif ftl t. :la ranoas that you cry a aslertn reparchse of whatna' or not your a nwgim sworn a fir Tim pay'rIr!tp;IO. We = acx2t leis o1 wts cr MI% PaymaAb or check and rroney Order, retired ' p2ymom in hdr or Oher slnlar languKe •alltcut be ng anY of our ridp,ts under this Agrealttent, ncLdFhg cur rght to n'wor 6 payment ', Vl Po dodid Statorront Each ninth you have a bwares In your aaeoulrt. w9 wN song you a gui,.umenl sicivii U a8 uar,actiors bled to yar aaroum during da burry period T.•te beings wriod'o t+c 6°,11 ficro e,% arorea=*, dosing der. ftuotagh and ir:Ldhtg ft Hen ;atamant moa.1c doe. `w VMTert dO tp date deannines the month of a specify ollirg csrioc. Fr axampki. fox Jaeualy bxTu,g POW It Its V.2:.'0 period Wit dv soteman', dosrq dabs in January. Finange Charge Information. a ,=race Farina Ymi wig ran a minimum pan pariod of 26 days, without finance largs of 'e v pLrahases. ie r baance, in-ldfem. nes. Special purcho es and now olhr ;hw9w it Vej pay YOU tool •gow Savance as shown on your facilodlc CuaTlrrM In full and it t To for it It be credited O) your neat stalutmant closing dal. I," Is no gran zeriod on cash sty.-Vm ano ". W lf2M%rs. dl &*Man. a you did not pay the brat 14:11V Bahrtce 1-ca Ita 2rai oL s burg statement in P.11 and In tike far t t5 be erodi od by yr.r nffn loxlwnwtl na ,F caw, them 12 no groom prated on any milsactm. o. 4ccrctng crns.loe Cadge. Trar.mc dons whit, are rot su*cl m a gram period are usvaI;W'inenee Charge at foll'wa: -Tronaediorn mode our% the aarant h'91tg psh d; Lost Ira baatavc4lon flank. •-nda:ad plansw(ars 2ndt arlsaddns Irmdewtfn 3=M a.Yen choose: from1he dart Ina sw!sackii Is g-ocassei IC your azount. ansacecro made prior t, Ll9 currr't milling pe'lol: from to Srst a'andar day of ins Correll dean- „ar,otl r.ddkonah ~' ycu d d Hat pay !ls 14aw 6alw..Ca from the pteviOus bft-g period k 1df, !:name clargas crrrimar m ausl'e to !nve' L-!paid bafants uIti the u'msy balance is paid ir, fug. -this rrssia filet you inoy nib: s'a'c lmnca charges, even w you pay ft elba New Saiancs itdirAbid a, the front of ye.rstarainan err 't,9 next s1101W et dosing data but d!d Hoe do to of Ina 9.,4vlojj rr.dmft. t.npa:d finance charyse are aadeo TO Me 5ppeernble sagTrnof you aearurr.. C. A!r?m Frienra Chafe. Fr,' so-, 101ino WOO oral ycif eoz,:nt of 2UMat to a flan[. cnar{e. a rlanmlun Cowl fnence coa!ge of 50.96 wll oil :-noosed. It tie 2181 c nce ?.arga :eau ring tor, the spphottiol of your ?sciatic rox(al is lean than 50.5c. ws A rr.:drry alai a,na.:u tram Ito $0.30 MWMUM and the Owninaa wig ha tilled la u1a pir:hm sagrert Jt your 4.'t.runl. r• Par. xeit Roos. I& dowelling to daily periodIc n et9 by dk idi g ono annum percentage rile ty W end IN :riing ' :a ms r-wast IM-30,00am d 1%. The ra3 they hr" oftivart .h I 7r stur segmtlf ::f your aCllutr Caere acyario, pr ,a". epftie, puritno. and tpo& transfer f aroacst;,: for four acmun`.) You were kvd Ins detiy pe blic abe;sj xdur ya am ed your vDxgt and it 4W-Mrs On M'ftb-rmrr. Cakdlsrstn Fusee Cnngt. =iniance chargz is oatvlated by muftly" Me array x1ance c' each se5rrent al y:ui srcairtte.g., cash advance. pU1C'nesn, aaelai 6armfvr, and speck. putdlaae) tyy Me eoR9spmd C cagy paradle fine(s) fie': has !lean xa.'a say diacl-m fo y,u. At C're and of sett, day dung Pte :Ilgyl psnod, we mpply me ]orgy period c rum far mach 6sgr m of your aaaum o dta dally galaaCe of each wgirielt T1er. in :hr aria Ot the cif.** Lartdd• we a0d up LIair NSA of these day a a'9tidns ;c aT1r at your xriodtc fnaroo = ". or end, segroarlLiye add up itie Iralp fmm e3n1 tspment in arrive at 9% will, perionic finance cdmye ka your fh covlL '?M, E-f I To get eta daffy balsnee hr each segnenl a your arvwr. ne aka 11. uBgld" baal - for Inapt silNtram and add any new raliaelons and ale Palladio 9n2nco Chage calaulsted on J* ccevious day's baiance !a trn: s2gmeM. hrk flan suttmad cry piymo:tr cr tsesltr pesad a3 d mat day tat ere 81100011111 to mar Segment Tt.is gtwas us -4 sapeah dab talencer far scan mmpnlm,rt d year aexW:at Huvwr. a feu pair e,a sraw cetera ancwn con yore p101u100e Statement, s' to for it your Now Balance will ,wo or a cradl- Mw IM'MOCbOnb Which Will to your purchase 3ra0a3Ci r-xisla98 sopaartta am netaddm to the dally bWnew To milted your WW' f WC!l M196 rrJM* Yea average d3iy baLvtoe 2Y the MY Pariuoh risk mud by the numbs., of days „ die btibg period. Cun :t Mu"i yg or a dally basis. male min; be a slgbr vadarca yanks, I.,101 daia+bton ad tow ~1 of finance dtarga adtua::y assessed. F. Casa Advance Fsa. It a Wh advance Ica applies 10 Yca eCdOL 11 y,)U Won! 104 the fee TAW You CXrMd YOU.' a0botCL TM be wig be charged each Inns you Obtato a cash atlsalxr, and will be added to the rash advenas Wniverr or your. account and w.'. red;¢e your avmeb;e ,Y9dit The amount -A ma cash advarree'as'A be added to attar 6hance Manua on your, periodic nowrkM for lira plf=s of CmCU1111% are anmtr parcerrage rata etsclased there Thin mayj ZA* the i muai pe.mornage ra:a a ratified on you' stakn'ar:t k be Weiler than the arrLaf parCanAll 'His that was i isdneed m you Wren you ed Your accourr IS , cry Reduckri h Finance Che.To We issa•va :Ire rig`n It not Owes any r all faun= Charges hr any, given billn; mnoc. riles and Changes. The tohow,g teas ray on bins ao the purallese say t e your account. unless a1mviss yw I - ::, every Miffs criod „ V they aWir. Isle 1mM.yw.,,ty'a?a If we ilk VIOL mcgim Your Perrier" In env far it to be axlyd 3y tie Now Yp sta6-smarr doefnq safe OverlimA'no l year !a 111y sngtmerd d ya r soswn? goes a ow.! above any Oempefi.* or only awned 1I c..oda ink even a wa approved the ove,timis arruwtL at y itw damp are a" cycle (rega-plea of wnrarer you warn ovenmdt as A A of a traraeQbn. firartn cna.2- or any ttn0r fee or 'nafga), reWTled kro. ImFoaed ovary ante O d'xs G rcuuller! m ui 'm er y ?asOn a ,! we a honor you account accos9 ahadw for ari teem,' and wpv;W Una 1099 r3r COpip of ttrstamons Or kinsmen. uruass atlLlrei for hilnry to rrtadlrlol. Thews {cos and et .T a Will nth be mound if your bueTg wea In Puefb Rim when your soccuit wu mx Ira be and armuva.?.wave wr:., .fI I ad b yohu wharf yet :Ported X.0 S=nL if am of IM ON ..o. are dnVM 8'1hac"rift to yar oMMi t apmflnly. roc we S&Md Of the stew amount. W* roaervs this rich m Waive !halls fees wilt v1 pnornoualgol n to you. sA slip Fat. f VOId f1O601hr 1as a IMrittarship tee, f was diiitlcsad k• Mil you opened YOUr 10224rt :12 fora wig be idled it the nigruse sag n Of your a^wmra C. Surmu Informadon. Yi, agree that we may obtain ymr 7ed;: 9iel Corr. Gl9di't fapcllrtg awdw at arri yme er the purposes e• M rig yttr cede pertamant s. ronft Your account and cerwdereu you r new plena arc p'ograms F n ORML The tRmt Of e.ry fULCrd offer will: be dbdosed to you 3. the who tea 'far m meta. It VCJ BM$Pt en dfx, IhH bum wig beale elfeeavd 1m sward Must allergies spamd In de offer. t.:ye may consider you D de'1 ftW!! Under this AS tanlebn l: to you tau pay the minimum payrnem on tblw. tti you aaciaw YOu- orwo I limit in 10 You us sign fund; eta'. as vhmtad for cry rossca'o me want Palmload by , you Mary also be in dawflt ulderttc Agreement it. (1) you vici.am ary at M ar ems ,# M" a1)reerytem or any r 710 coma of any c7wr tgr2 men! ri!:b t:a Or any It au' atllpMai. r^ (2) YOU Maas any 1239 or nlsalead,rg 8• Meng; 00 your appt-21on. a {31 banloupley cr Ofha ;noaldi Pro gs are kMutsd t•; you or against yuv..aflor you ma :n ivta:dt ;a .va gNS you any "llifia of or rtem to Cue :ore Qabnue it inquired by tar;, we me Instinct your account from vsW rtlskll0lt, or dine your a7caUln and oe d inrnediehr payment of the, entire outshndinq befenea it, adddian as e me ., of the aehLk you rM.run payment Tay Ina-ass ovum-!f seven'! To extend per find by in, yc7 agree = prg all court cote and :7,lieaion 9x YILUrt'9o by ,b in die tolll, RW. Of any pnlo;1t VOL avo u9 LIKAb 1.16 ag It yvi debug aria as ra'nr yarr anoJD nt Or 00latlaon to or aM-rey wi is not cur sabLied employee. to Ire mdont pentithd by low. you agrcer x ;qty rewollatdte witmays' has. YOU also agree 10 Fay cry cotta we ilia- liar 1 'aytllg your cards. including any Ooay we Tray incur by having year Unit Piftu an a aitrtsed slat. C Y Class You., Account You can request'!: cities Yon acamnt by ca nc aut usotar Radwo departnwlt Ycl r id destroy all cams and a=un: S-- 42 ^tPAC,a, aaal SP asautrorad WL!C Wrangaff rts. and ousa w ^.g ;sou W Dur.L If you do 1101 cancul ofooL•morWd btGng ILTamaamancl. ,r0 win a olimA :i a champ wou- authur7alcl 'em on yar scccum. Ito Onlfy, Yam AWau'l veil 1112` 11111 CIOuld unyl Y2u ley 90 eMp1.119 yaI W, cos ndUft: ally bantl:dM$ you. have aUlhoriled, fiance ctafges. !ale p . :!ass. ov9rdnit fees, retumel one* lass. "sat advance leas arid se. c: 'ores assumed to ycgr acSurt YOL am msponsoa 7r fiass am'urrs w tl:ey appaw an your ecount at tits ar a you mouser to c:•_>ti0 11% a taut C.' trey as InCJIad a3baequeat a3 your request to Jo'as t- a acthlVr. Th' clay resuh P dtargss emee ng mh your account elm YOU ttavs .agLaSan ins =1111.0 rye closed or Ira raapo,ay ct your armum If h ha% idramm, wn clot d. For etample, l you auL'todmd a pad'ma Tom a msrdant and we r ' we trm 11LIuchmr if" -T. ilia marcwn: agar yha' am:a'm not now skean. Ym aonctind will Ire reapmted. the amour at the ft.Ta will be added !L' yoc^ A M, afar ye.g •rID be 'AWorlsmia Ifx payaer.L It tfaz is a memcarst+!p lee for 'r OCCCa:4 t1!', ter A 5.11rILa la bC t1w'SEtd, to the CKWT pErmmeC by tats Und the 3=" ba{B1ca has bow paid IF tug as delnec atimm. r Y. j want m slop an ajftiC'im !airs ac= C, yam BMDL11. you T,_w 0211 •3ur " IrTmOr RL;atWY9 0e,7ahmwll and destroy ore use's 3rd lit we) and any .T, ACcesa UMM he w A:e may nave. H vm we una s in destroy hie pal 's cam and accoi •.t scam atvdwe and you Cal our Custolrw Roullic.It ;1'r1e11t to does your eCCOnnl. YOU- account wad be Cr-od and Sole you aria !ne hint ea,dhaLix. H arn•, they app:y '.or a row acpaum, it we craw the you am nine Join: nmhalJor. I, any. wi:: ttY be dads. iaoiVea'ally and for IN amourby otwi;on of "ur adwalr I a Cancat Your Account or Suspend Credit Prileleges. We may at any tonwild: 3rwthbut Haas ar3 w. n of wi(taut advar.a n,afke. !em late tie. r Ir/ ?, agrew mnt and mr urnFor rdy of pemtsrtarly m apsrid yWr castle pr,-,tepee. TMs *!:ttlss. but , xt &MW t, si:j&%" where .au he" v aW We Aamo nant or whma .we have tiw r:n ¢ djut: v,u credewmtlanm. Ycur ob:i9aWms antler this AgmaneN .. 1fte m--r,,x-r r4h3 r cbmin cram, meow beer tamiabd or suspended. We rosy ieby in enkweX cif ngNs :r :ter t s S 3raamert luiRaut 1002 ter. "halides to Torms. the may arrald cr change any part d vmf AAn ialr iml. Indif ft ha periodic ate and odner emhgos, or add of remora requ'stmem (Including adding new 'wdrnrmelltif Of the. INEMS W a C.*.Wt 1aS51) as 74 ufdsAug raquYemente n onto Al earrenl'• at am 1,I a if art so so.." wit owe y'iu rr-toe, a regJ6ed by ail of such ;n'r'.!n ar.t ur -"'ml2e Nutria vf'I x mYard b the lest billing address st6imvd M our `nr?iSa. !FteaCwe', no nonce will be 'need a we mown ly lye IMM@d you t•lal va:r •3=11111' 621.110 is SL*a to stin am)ndrri or change RMrcut rntim.) Changan to Me antral tMrasnfr ,e mats) let apply to Your aamunt belsw tiro t7e ~.ve deb of the charge. whaefe. c, nM tin account aaloxv rt,duded issa billed to 'tie account bdora env gangs Bala ant whether a riot you iL.tTnue 3 Ire to acm.'lR Change to fora Said ,ner charges will apply to yoLr ararum gum the atacsva cleere Mate oh&ge Appnkebtt Law. "Ill Agreement vi be gawane7 by Vlghta !ay ON Fedenlt Mur. tM.orabiiity. The imafdb of ary orovidon of the Agreeniml *S11 not allied the valkJ:ty, ']y any OnCr prermlom Lost or %Ion Cards or Account Access Cheeks. Y. you. lards or afa:aLrt access Oneck; are ail or Mien or loomeone ales may to using dtOrrt without yfoi oemusa+m, ^otty is of onto try taping Vic tcleprc-s nurser shorn or to from of your penddne WW elmit a. You will that be 5at:.e In any anNUn' for urouxhanzea um Of your aside or 3=urr.. access thaclrs. Your Bi*e Address. Yew agree to gee IG wdllsn ndu Marty efenga In your Shiro aadress at least 10 days before the dnmga. Changes nay be wetter in the space pr,-Nd cn me rtl'sll" Catgw- Person of Spur padgdnL a3tame1, t Or may tae send aJ the to tuarig laedtaaa Caoinl One. P.O. Box N915. Richmond. VA 2KIII&W15. Ii your aarturr to a laic w=ur.T a if itcral start are nafmol It piessi au to Use rt you agree tat all notirIm r%arltrlg tx AR9l .n may be aeon ralely to dra address shown on our Irtar i; records. Commueleatferm. We they xll y'aJ fusing We operators su ma!J dfaW+g deyites, or recorded measagaai a•. lids or tr-k and C1^ae idle wr.' not be mrtsideled unaolr rd. We nCy r3n mr or mh• ra bill, cob we make of KOWw. YYa may mpase kh'OrmaCOrt to ahharv re0ardiN me rfw..,s a rdrtery of yw• a lit se is mac fury 416culaed In me Cap!al lane erkacf ooltmy, a copy of which has ban provided to ym we may from kna::ka Inset parties In twin on v b. rmdnak6ng artd cabaft your, awarrit and you audiman we h Wild pedals ty release inkarolfon about you to ua Cardholder Basses. Cardhalcer benefits may to chmW or Wminated'aittotX nollm, ThIQ bontHk may be, provided by this parteat we are nut geode fare ukt henl5d Or1(r Me s line c., or;s9i;tu d the tad partlas. U.S. Cutrenoy. if ,pit :rake 9 purmses or can a?ra•re in foralgn "aney. alts transaction wili u. wilvented 1b U.S. waa's us" Yang or k swcam r"Ltatpns one rAainntan prrhwdurse a clad at 3e Iifro. Vale cr MaetarCard may Inatome the !aneirrslon rate zna told hs frareeeed amount T e real In slat en The convembn deal rlev Clflai '.Yom the rats teed on ft Jenaadio i date. ARBITfiATION: 'sou end we agm, that c mer you or war, may. ?slater parry's onto election, reo7ke stet any Glamt Ise dakr•.ee bs7aw) be mkoetwd by binding aro,niian. tF YOU OR WE 52CT ARBITRATION OF A CopU, NEITHER YOU NOR WE WILL t1AV9 THE RJWT TO PURSUE THAT CLAN IN COURT OR BEFORE A JUOGE OR JURY OR TO PARTICIPATE N A CLASS ACTION OR ANY O`tM R COLLECTIVE OR REPRESENTATWE PROOEEONO. OCCEPT AS GET FORTH BELOW, TW ARBITRAT!OR'S DECISION WILL BE FftAL AND 9MGIIIG. OTHER RIGHTS THAT YOU WCUTA HAVE IF YOU WENT TO DOURT, WGLUDW THE RIGHT TO CONDUCT a1SCOVERY OR TO APPEAL, MAY 81E LBST50 OR UNAVARABLB 31 Aarrot ow THE FEE& ASSOCIATED WITH ARBITRATION MAY K {HONER THAN THE FEES AMCIATBt) WITH COURT PROCBMMGB. Spaekl Definitional for this ArbtMlan Provision. For the purposes of n!s arttf:allon rtihrhan ('At radon Pfy,deiat' . the fattening de9al is anall only In oddt3w W the desertions set Mora In tie C•aa::rwttcAg!ewrant rAgfaerhtttt'}: -War, "uw` one 'our rroec to owner Of your aegtnt (CapAr ON Bank or C 1PW One, F.6 3.t ds pared amt'hai a'eted and Indirod aUbaldlalaii IN AMOM, It WV U tl Of ine,r respec" wnpicyeea. ittieacs, dearddrs, licareeet, pfadoo"Wils. iWaeelaMf. and asalgns. Claim' riilama any y„m cxeouarsy. or dlapule of arty lent or raturs beteribern you arid Us. A The dern.xicn ndudes, trTtoet smiliwtlon, any vourr Prof at eny ley Sam from or :eases ic: .Ode AgMrrAAt aid a'y of'% arms (cntludng 09Y pde ogroono broveet ydu end us or teeavaan you and my other mi Iron wllloh ywe acouired your acmwnj .tile Arblretm Fcwahn (hfctud:ng whether any Claim Is suh}eCt t, arhgratlm) •tna extsblisim,,t cooraton, arts"I-agon of yoJr account .my disclosures. sdrsrfasmarhn. oramcrikin , v otter communl®•Jma rotating m your ail tJr.!.whenertheyoccaedberetse'e.myouraecow.wasopened -try InonaseLo's or tsCrlyad T2nsslxdrn arvcittng your SOCIrt -try billing or Ccliectfirls matters roUing N yourNSAlnt -any posting of 7ansacdons 1ndu$rg feyrrai+s at o all s) b ,our ncycowt -sly gexs or servkes tltargea b: your account .w5y laes.:itefee: or 7aaer c aripm; mossad toy= acmurd, drtlleir mlplda*M .any prWoee, earvh_•ea. or bmells p ligrans related to or OCeed In rJnxctim with your aueum iIncluding am; ttflurance. dell ogneakLA or eAended SWAN a0m, als aced any procems, 'abae9, rawardw, S'Naeplium, membershfps, dteca;rhe. or material) a tatlter c: nCa we onaed. Irboc W9a. sold. or Crovfcad them .c,r Mcelp:, Use. o• disclosure of any `.dorr"aEdn asout You otweLr srJxna* .any rise, maters raising ,!j your account or your le`Mlor9h: a Wt. uA 9 Tr.h. 0" on sap includes. V41W t7vtoaot, any rwan• -regardless of haw or when it is brought (for example. ail on IF'S dahm, =)hart Mm, VON-afetn.. imerplead:ng, or Ill T-party, 161m) -taxed or any Story of rdiel or carriages (41Ctdktg money datrtegea and anY tam d tpecilic perfo•ruiea or ir1]tm6 m dediratory. or otter equbble refY?0 -based on any teary of lam or equity findLd'ng coninad :A $eYd, Cons Minn. Maas, Tailspin, =manse, pf •wrongrul alb c- 7na99ro. of any, type. wdteblK ntQkgennt eydm Crlaanll•Jral) .made bi Y.L. a by Smote connected wall you er da:M.•ny' though or for you lB3.dlnq a x-appii.ent ail 3Jdt 'L-wd user of Soar aecouni you agent your refaeaarttrr4rf?, your rtebs. or a 7uxiee in tarmlaup-.i 7r which we may be dhroctly ar irdinyaty 11615.0 Lgder any diary. n]ttdng headmdiall superar or e2ency !even If as 5•a not pmperh nor ed at the time Ile Clain ls mallet .:mw in exiS2nCe or tat may miss in fins future, "1411082 Of when the feels and .intl. m erces that give rise b tie claim occurred orwhi n the Clain accrued ,ew -, Q0_ft2-2 ttlnd9 as part e a time action, pdrate atorrey geieral acti or -nor reprasdnreeva or WPBClhre action, O 'Ch Clekn 311111 MOW a^ on ndiridual Most ale all forth men !rdy n thus Atkin den Priahzen Arbitration Adminleftecta. Ore of d'e fotaring aruitraf arr. ad r"lrJegra (•Adrrl wRtor cr cet'101lu r, 'Admeyababbe riti administer the art ration JAMS AmericanArbilratfon Again Nadoad Arbitratgn Forum ISM Main St., She, 310 335 lvlefter. A,.4., Floor 10 P.O BOX 5016, IndnR CA V151C Now Yank. we 101174.. wrluwlit. %In sitat?n wwar lahaadf.ea eywraj;An awl ami-,asondc r..r_rnr 'feu My contact any elf the Admnabawra to ooiam inrcmmhon ebou- adhrJafion. eiraratcr rules and proteiuma has sctedLl>,t. and aatm Sou. E*7bon end idtkBan of Arbill"On. you c• fro rrey sleet arbrtaml: under this ucit-ot!', Pia Wan with npapaet to any Cltln, rmr OlhO CW:m :; pan c! a loweull orpmlgnt in murt Yet. it - vre mey melts a mason tr cauest i lour. to oerrNi erasater of try Cairn smart as Far nil eny kwsuiL We rib rot alad ar indlay arbihet'on of shy Calm bwJgm in a arm dafr s c'oun (or ties OcLb& ht). as lany as Use Clem rematrho in diet court. E maw sc" or, behar 74 s^ nd6riAul or )oe: account holder, and is net mode as part of a dace eetft pMee arcrosy gartaal aadbrh, or other raptsae uha or Ewa as ion. Ya:t and we mad Now she rJoat of the Admingtralom to trestle bfbmatim r •_•orr .,:Sate arbitration. you may ehooee we of the Admin etraftim. and you must rrad is eny notice 'eaLvej by the Aferrr ntor to P.O. Sox 65550, R!: hmond. VA rr211541 all V w o, innate arbfaatorn, w'^ will Creole one of 7a Adninsoasora, one re end mail you any rosy reouirl-:l tq t6 Acorn for to Sac wsFl scan trials; adores. If YIif, have irhWd arbfball" ens ni ! use the Attrnhinatx at your regwst 1 you husk s in wddng at the aooyr ad-mmy; w:im alum days of the data of any, notice ,w s ara you at ov, •ilratior rt ahptraAxh. rie"ouven ford 6nwApplicable tnAran rovion_ This Ameratlba PFJr31an In mtde nursuaht m a "natcom trnrohdnlg Inhaa7ca eernmerae and Mall be governed by and anfelc o st under the Federal Art! atsrt Act (ty'PAA'). Off"lions abatwhatfer any Clain . .seed = a:b:hucn 91a" be reeolesd by tlterp:eting this Arbiraden Pxavistep in the broadssl way If may be enbusi f, eansslert with tic aAA and gr terms of m'a Arolbeeon Prordison The areibttor ed1 So* wfbaMntive law consistent with ttw FAA are apphmade smitrt9 of Wretetions. The arbWtS? may award any damages or oLw relief pmmtpad by spilt eet:e substantive Lw. bit ate sward s'rail determine the rights and eanksfbns ai onry vie non-lay pa..was and anh, won: respect to the C:airs In alb bolkii. fin rWv- and proee0uret at ills Admmistrato, •a'hm Vol. may aban horn to Araolr.istromr. shag goelim the a.t:dtUon unlosf :hey ccnflf:: w•n tis Arb:aarfan Provision. in w d, face thlc AR7hrelinn Praviacr will at,* The art 7mor •wN not as baJnd oy. ail this Arbitrabor. Pmuaion shad not be waded e. rya Wants. areas. rr local -ins c Oroeedwt and evidence filet w oud apply in any cwt or to ar to or local lairs Iran regale , nibsdoo procaadi:gs. You or war may mare a Isarirg in a thitreem. Am sibt alirr resnng tia^ you reaond in paten win nabs, piece at a hy.111xn in the nedorat jthdcat (lu: xr Mat irclui%ai you• lac sravn billing additn or at some mrair place upor which you and .e agree. You 4r we nxt are reorwardsc by cour e.. If yoJ or ,all req'Jeol. the a.btt aa• w!: honor dacha or privilege recolonized under eppfmtle kw and w:s use beat alloys to prohoti congdernW ,nformamor. ;F.tluding through the tea or prcpdhro e•dors). The anylirator will naKe my award in .vrdnq era at life timely squat of either party. aB orolt.de a wryan sfe±ment c, ress7ns for the sward. Costs. The poly in1hring ardtratdn will per to in is ft-ii; few. You may seek a walwa s tta in!* B6'g fee or any of ire AtlllhYtbtrttara ate•'aee ,ca(ledivey,'Ad'nlie:tras+'e Feel's ureter my appikata riles of the Ad rurtitsomr. If YOL scok but co riot pualfd k•. o w9 voce n: RIll eensdoe any, waiter twuat by you fur to to pay or nnl6uaa you fa at or urn of the Adrrcrlldbakoft Fees, Wastes wit say Or rojoil, you ford a cart o lithe Adri stratero Fees a Ins orr traex da ornihee share is good raaso.'t for us to a0 so. We Will pay any fees Ar.1 caw we ate reattired to an by In. Otherwise, alit except as provided in the Agreemard. tau alit .#,- will bar a9 of &it rumadlvt!ace and raw tinaJdkng it* Adnihiearats few ant the less aid cam febtirl b spatileya, a'cpars, aid whneasta) regardiaea d .rip orerah. Aft ator. of roof ant Boas rolatn i; to appeals in amrruilw entl be handled Ir fie some rrui rm. No Cabrtffddion or Joinder of Parties. The arbitration at Acv 'art.T ilml marnad m. N, ,ndiyldJel b*019, Mien d the Clare nap 11011n Marked r a Court at G Cron earn. p•Nate aanrney ger._lel aclmr. or outer representative at colled'vre ss;ox:..ln.ass all pardae snss naitrr yw •1N we ray join. mmaoaoata, or cnerwku bring Clatms elated a hwo w mire accounts, bill"utze, c, actwm hologram the sans a:bteatrn. A,st, unless at os 1aa ccrsar :. ndnar you nor we may p,lamle a cues smdn,, prive'a atorray garerel aabr or OMS' ropreaerlk5va to ooloulo a adi7l in ef0ira:ion, nor my sou Or are pursue acdh aeti-is in Chun e any Porti has OlWa d orbilr0m. Yoe wi!i nar have me 4rr. t0 W. at A data rematartaJr Or participaa as a mrnbard a daces of chairants hwhi roast to any ^fa,m as to wh rh elt::ofoon has been redact. Judgneso, Eallereavswnt p6lalli and Appeal. The al- Alarvtrs dafiror will to IFS ar.o bircNq i fkr fiRaar days unless you we smi sn topical on to sacra s; rekfn2 a iin e n reausst to Jm Admbtilrear. '1e apae9l ;arid, wrfr 5.91 mrrxs! Of Irma "Irw:ceis wdl eersieer all factual and !agsl'asuaa Snow. ri.. toys',[' iro appaai In the same ^.1lnr of as arc inidal arbrtrsbrr., and will rake doesiore based on 7k vote ca Ira TslFntf. t ha pa,wre JWr'Slbr? w7 be firm: and bimfing. Any ere: decision of t.2 a:bk= or at tre apr+yl pelt! is subtc tc judicial rovmw only ae astfatft udder ha ?AA.:tn swami in altmalibr *A be 9n'plr?Jable Jnaer tie FAA by any court having iurinAei cr:. Ulmdbrocaa, Wdver, SaverdAN, Survival. If you or we do not Sam erhlbatbn or otherwise crier= this Arifrraeon Provision in connection •r:ln any parddr.ar ?e:n you Or LYE Seta net wake any rights to ;egJ6e arbllmon n ou rtec_mn tvtr Mot or ary dt,ir9r U airs Yhlt A-b:rabw Provitiatr 5hal SY.h,e:.,., suspi,on. Ymdralm. norrocallor, c•oaurr mr eroncas m' 7ria Agreemort your avocc d. and yd:r ye!atiorWh7 with ts (5) na bankriabr, of nsblu'ancy V any pent'. one p0? any banshr of you, arx='ait c- am amt MS awe: on yaLr arx:rt. to any other peso or eMkr, If any ifrliM ol.tle Arliftmion Pmv,*.,i Is dyarned '.nvafk or wtedo Cssble, the riftwbsi'1t FOrrJpre a rot Arbiradan Provision shelf ric'yNt,miew ramair. IWA one in frice. In to evert av a eci idl or troermistenoy betWor r t ms Artrraton Pr_.vsipn and the char ora demo; of trds Agre9ms•d ar any u tar agreement, no amt377n lilmision shag goarn. 0 2002 Cealld One Servima.:no. Capitol One Is a hdev.,y epoiseel 7er,la maA Al nqt T` 1'0a,rfwad. C) Ca "OLI3 ?l [ i ? E'?l Y3 rn C3 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK, CIVIL DIVISION ISSUER OF CAPITAL ONE CARD, Plaintiff, VS. No. 309 Civil 2005 BRIAN E. RHOADES, JR., Defendant. PETITION FOR APPOINTMENT OF ARBITRATORS Filed on behalf of Plaintiff, Capital One Bank, Issuer of Capital One Card Counsel of Record for this party: STOCK & GRIMES, LLP PA 1. D. #13657 BY: Michael W. Darpino, Esquire PA I.D. #goo18 FIRM No. 739 21 Yost Boulevard, Suite 301 Pittsburgh, PA 15221-5283 (412) 824-6944 CAP-1101-k- cL'?_ 6AN C P'L.A1tjic(=F V, 6 k+ .4'V E. 1CH6A !)ES) J 1z IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. CIVIL 2c:?;S RULE 1312-1. The Petition for Appointment of Arbitrators shall be substantially in the following form: PETITION FOR APPOINTMENT OF ARBITRATORS TO THE HONORABLE, THE JUDGES OF SAID COURT: il' rf/?G? (-,,/ ??i2?i.'? es counsel for the aintiff efendant in the above action (or actions), respectfully represents that: 1. The above-captioned action (or actions) is (are) at issue. 6 2. The claim of the plaintiff in the action is $ &S-3 The counterclaim of the defendant in the action is The following attorneys are interested in the case(s) as counsel or are otherwise disqualified to sit as arbitrators: di C? WHEREFORE, your petitioner prays your Honorable Court to appoint three (3) arbitrators to whom the case shall be submitted. Respectfully submitted, ORDER OF COURT AND NOW, foregoing petition, Esq., and actions) as prayed for. 19 , in consideration of the Esq., Esq., are appointed arbitrators in the above captioned action (or By the Court, P.J. C /,tile q o &s?_ 6 Ak) IL 15 SvL--l2 C'F CAPITA(- 0/uE Cl-160 P'L.A(P71r- F V. : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA NO. CIVIL d* 2 ae S , 69_t M)" E. 2M??r??s1 RULE 1312-1. The Petition for Appointment of Arbitrators shall be substantially in the following form: PETITION FOR APPOINTMENT OF ARBITRATORS TO THE HONORABLE, THE JUDGES OF SAID COURT: ,Nf 01-o0 - (-,,, I)Ar2 if'lG counsel for the aintiff efendant in the above action (or actions), respectfully represents that: 1. The above-captioned action (or actions) is (are) at issue. 2. The claim of the plaintiff in the action is $ 19L3- The counterclaim of the defendant in the action is The following attorneys are interested in the case(s) as counsel or are otherwise disqualified to sit as arbitrators: WHEREFORE, your petitioner prays your Honorable Court to appoint three (3) arbitrators to whom the case shall be submitted. Respectfully submitted, ORDER OF COURT Q oa -7 AND NOW, in consideration of the 1? -Tkz'A'4'1' P. ", foregoing petition, Esq., Esq., and , Esq., are appointed arbitrators in the above captioned action (or actions) as prayed for. By t eourt, P.J. f J co ( ON) J? 1 CAPITAL ONE BANK, : IN THE COURT OF COMMON PLEAS OF PLAINTIFF : CUMBERLAND COUNTY, PENNSYLVANIA V. BRIAN E. RHOADES, JR., DEFENDANT 05-0309 CIVIL TERM ORDER OF COURT AND NOW, thisZ 1 day of February, 2007, the appointment of Melissa Peel Greevy, Esquire, to the Board of Arbitrators in the above-captioned case, IS VACATED. Todd Hough, Esquire, is appointed in her place. By the Court, Edgar B. Bayley, J. ,Xeorge B. Faller, Jr, Esquire Chairman ?fodd Hough, Esquire 225 Market Street Suite 304 P.O. Box 1245 Harrisburg, PA 17108 Court Administrator orb :sal ?w+? t JERRY°R. DUFFIE RICHARD W. STEWART C. ROY WEIDNER, JR. EDMUND G. MYERS DAVID W. DELUGE JOHN A. STATLER JEFFERSON J. SHIPMAN RALPH H. WRIGHT. JR. MARK C. DUFFIE JOHN R. NINOSKY MICHAEL J. CASSIDY MELISSA PEEL GREEVY ROBERT M. WALKER WADE D. MANLEY ELIZABETH D. SNOVER KELLY L. BONANNO The Honorable Edgar B. Bayley President Judge Cumberland County Courthouse One Courthouse Square Carlisle, PA 17013-3387 OF COUNSEL HORACE A. JOHNSON JOD FON IE January 29, 2007 F. LEE SHIPMAN (1965-2006) ?VRI`Clst ti Evr. No, 1.18 L'.;-i?L11.t.. mpl?j?; jd5c?•.c[}rte Re: Capitol One Bank, Issuer of Capital One Card v. Brian E. Rhoades, Jr. Docket No. 2005-309 Cumberland County C.C.P. Your Honor: I have been appointed to an arbitration panel in the above-captioned matter. Unfortunately, I have a conflict which would make it inappropriate for me to serve the Court in this capacity. Accordingly, I respectfully request that you revoke my appointment and assign a different"member of our bar to the arbitration pary? ' is after. Ve tr yo rs, Melissa Peel Greevy MPG: mer:290919 cc: George B. Faller, Jr. Brian E. Rhoades, Jr. Michael W. Darpino, Esquire 301 MARKET STREET P.O. BOX 109 LEMOYNE, PENNSYLVANIA 17043-0109 WWW.JDSWCOM 717.761.4540 FAX: 717.761.3015 MAIL@JDSW.COM JOHNSON, DUFFIE, STEWART & WEIDNER, P.C. STOCK & GRIMES, LLP BY: Edward Stock, Esquire I.D. #13657 804 West Avenue Jenkintown, PA 19046 (215) 576-1900 CAPITAL ONE BANK, ISSUER OF CAPITAL ONE CARD Plaintiff VS. BRIAN E. RHOADES, JR. Defendant Attorney for Plaintiff COURT OF COMMON PLEAS CUMBERLAND COUNTY PENNSYLVANIA CIVIL ACTION - LAW NO. 2005-309 PRAECIPE FOR ENTRY OF APPEARANCE AS CO-COUNSEL FOR PLAINTIFF TO THE PROTHONOTARY: Kindly enter my appearance as co-counsel on behalf of the Plaintiff in regard to the above matter. DATE EDWARD S CK, Attorney for Plaintiff 0 -tea ? ? n n ;oc Capital One Bank Plaintiff Brian E. Rhoades, Jr. In The Court of Common Pleas of Cumberland County, Pennsylvania No. 05 - 0309 Defendant Civil Action - Law. Oath We do solemnly swear (or affirm) that we will support, obey and defend the Constitution of the United States and the Constitution of this Commonwealth and that we will discharge the duti ce wi tEfidelity. Signature (OT Signature George B. Faller, Jr. Bradley L. Griffie Todd Hough Name (Chairman) Name Name Martson Law Offices Law Firm 10 East High Street Address Carlisle, PA 17013 City, zip Griffie & Associates Law Firm 200 N. Hanover Street Address Carlisle, PA 17013 City, zip Lavery Faherty Young & Patterson, PC Law Firm 225 Market Street Address Harrisburg, PA 17108 City, zip ,kward We, the undersigned arbitrators, having been duly appointed and sworn (or affirmed), make the following award: (Note: If age flr delay are awarde they shall be sep ately stated.) ,CAB" DIUS . Arbitrator, dissents. (Insert name if applicable.) Date of Hearing: 3/22/07 Date of Award: ,3 - a a- - C) 7 Notice of Entry cf Aivzrd Now, the end day of N(ppp-h , 20_0 at P M., the above award was entered upon the docket and notice thereof given by mail to the parties or their attorneys. Ir1i`itiat^LS' ce:nnensation to be paid upon appeal: S34:Z, 00 By: Prothonotary Deputy 56 c .a? ?M. Cf ? J ? ? r-n co PRAECIPE FOR ENTRY OF APPEARANCE CAPITAL ONE BANK, ISSUER OF CAPITAL ONE CARD Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v NO. 2005-309 BRIAN E. RHOADES, JR. Defendant CIVIL ACTION - LAW To The Prothonotary of Said County: Please enter the appearance of Robert D. Kodak, whose address is 407 North Front Street, Harrisburg, PA 17101, as Co-Counsel for Plaintiff in the above-captioned case. Dated: 3/22107 Robert D. Kodak, Esquire I.D. No. 180-4'r Attorney for Plaintiff rs 4 ti ' zoo iT7 N i7 6 Ln Capital One Bank Plaintiff Brian E. Rhoades, Jr. In The Court of Common Pleas of Cumberland County, Pennsylvania No. 05 - 0309 Defendant Civil Action - Law. Oath We do solemnly swear (or affirm) that we will support, obey and defend the Constitution of the United States and the Constitution of this Commonwealth and that we will discharge the duti ce wi .1- n dehty. 10 Signature Signature George B. Faller, Jr. Name (Chairman) Martson Law Offices Law Firm 10 East High Street Address Carlisle, PA 17013 City, zip # 11783 Bradley L. Griffie Name Griffie & Associates Law Firm 200 N. Hanover Street Address Carlisle, PA 17013 City, zip 411154 Award Todd Hough Name Lavery Faherty Young & Patterson, PC Law Firm 225 Market Street Address Harrisburg, PA 17108 City, zip # 11.08 7A We, the undersigned arbitrators, having been duly appointed and sworn (or affirmed), make the following award: (Note: If age f r delay are awarde they shall be sep ately stated.) tj "A V4 G2 trH cJU ?1 U ? v ff t ,6?- ©!U S . Arbitrator, dissents. (Insert name if applicable.) Date of Hearing: Date of Award: Notice of Entry cf A,,vard 1l t -?r ?fu l Now, the end day of MapM , 201 , at 5R , _.M., the above award was entered upon the docket and notice thereof given by mail to the parties or their attorneys. ?u?`1LiatO?"s' co =ensation to be paid upon appeal: S 66, 0' x" By: Prothonotary 3/22/07 3 - a-ci7 Deputy proSc .PYj0.' 3 ?oKb ?(COW C3 ' 0 rill --a Fn tiw STOCK & GRIMES, LLP By: Edward Stock, Esquire I.D.#13657 804 West Avenue Jenkintown, PA 19046 (215) 576-1900 CAPITAL ONE BANK c/o Stock & Grimes, LLP 804 West Avenue Jenkintown, PA 19046 Plaintiff vs. BRIAN E. RHOADES, JR. 54 Dilullo Road Pennfield, PA 15849 Defendant(s) Attorney for Plaintiff COURT OF COMMON PLEAS CUMBERLAND COUNTY CIVIL ACTION-LAW No. 05-0309 PRAECIPE TO RECORD JUDGMENT ON AWARD OF ARBITRATORS TO THE PROTHONOTARY Kindly enter judgment in favor of the Plaintiff, Capital One Bank, and against the Defendant, Brian E. Rhoades, Jr., in the sum of $1,953.68 plus $155.75 in court costs, for a total sum of $2,109.43 in accordance with the Award of Arbitrators dated March 22, 2007 filed herein, a copy of which is attached hereto. DATE. 7^ / /1 EDWARD S O , r ,TMx o ? G 1c, '9 y f -w ?X 4a- la"a Capital One Bank In The Court of Common Pleas of Cumberland Plaintiff County, Pennsylvania No. 05 -0309 Brian E. Rhoades, Jr. Defendant Civil Action - Law. Oath We do solemnly swear (or affirm) that we will support, obey and defend the Constitution of the United States and the Constitution of this Commonwealth and that we will discharge the duti ce wi hty. Signature Signature George B. Faller, Jr. Name (Chairman) Martson Law Offices Law Firm 10 East High Street Address Carlisle, PA 17013 City, Zip Bradley L. Griffie Name Griffie & Associates Law Firm 200 N. Hanover Street Address Carlisle, PA 17013 City, Zip Todd Hough Name Lavery Faherty Young & Patterson, PC Law Firm 225 Market Street Address Harrisburg, PA 17108 City, Zip Award We, the undersigned arbitrators, having been duly appointed and sworn (or affirmed), make the following award: r (Note: If P.magehfpr delay^are awarded, they shall be separately stated.) UU-(-- Fr 61 . Arbitrator, dissents. (Insert name if applicable.) Date of Hearing: Date of Award: 3/22/07 3-a?.-67 Notice cf Entry cf A«?wrd Now, the nd day of M,2p h , 20_ 7 __, at I' 58 , P M., the above award was entered upon the docket and notice thereof given by mail to the parties or their attorneys. [ uk trators' commensation to be paid upon appeal: COPY "M 'I T w , 4 here urrto REOM set ffq h w tie 88Mdaf said t =.t Cartier, Pa. By: I' " 7 4-V Z- Prothonotary epu