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HomeMy WebLinkAbout05-1965IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A., Plaintiff VS. MELISSA L RYAN Defendant NO. OS , ME CIVIL ACTION - LAW PLAINTIFF'S PETITION TO CONFIRM ARBITRATION AWARD PURSUANT TO 42 Pa.C.S.A. §7313 AND NOW, TO WIT, this Jam/ day of /19 4&1 , 2005, comes the e MBNA America Bank, N.A., by and through its attorneys and the law firm of Wolpoff & Abramson, LLP, and files the following Petition to Confirm Arbitration Award, and in avers as follows: Plaintiff/Petitioner, MBNA America Bank, N.A., is a Delaware corporation doing business within the Commonwealth of Pennsylvania, and the other states of the States, with its principal place of business situated at P.O. Box 15718, Wilmington, 19850. 2. Defendant/Respondent, MELISSA L RYAN, is an adult individual with a last known address of 141 Southside Dr, Newville, CUMBERLAND County, PA 17441. 3. That pursuant to the credit card agreement, which Defendant/Respondent received during the time period in which Plaintiff/Petitioner issued Defendant/ Respondent open end credit card account, and in which Defendant/Respondent utilized said credit card account, the parties agreed that this matter be referred to the National Arbitration Forum for Arbitration in the event of any claim and/or dispute if the account is referred to collection A true and correct copy of said Credit Card Agreement Additional Terms and Conditions attached hereto, incorporated herein and marked as Exhibit "A". 4. That in early 1999, Plaintiff/Petitioner forwarded to a document titled, "Important Amendments To Your Credit Card Agreement." A true and correct copy of said document is attached hereto, incorporated herein and marked as «B„ That said document again provided Defendant/Respondent with details of the Arbitration clause, pertaining to Defendant/Respondent's open end credit card accoun in the event of any claim and/or dispute if said account is referred to collection, and further affor ed Defendant/Respondent until January 25, 2000, to notify Plaintiff/Petitioner by written correspondence that Defendant/Respondent did not wish for Defendant/ Respondent's acc unt to be subject to said Arbitration Section. See Exhibit "B" as previously identified and incorp rated herein. 6. That Defendant/Respondent did not forward any written correspondence to Plaintiff/Petitioner by January 25, 2000, in order to opt out of the Arbitration process. 7. That Defendant/Respondent subsequently defaulted on the terms of the aforementioned credit card agreement by failing to pay Plaintiff/Petitioner as required to the terms of said credit card agreement. 8. That Plaintiff/Petitioner subsequently referred this matter to the NAF for Arbitration, and the Plaintiff/Petitioner then forwarded to Defendant/Respondent a Notice Arbitration and Arbitration Claim form, and said documents explained rights and options pursuant to the Arbitration process. A true and correct copy of Notice of Arbitration and Arbitration Claim form are attached hereto, incorporated herein and marled as Exhibit "C". 9. That said Notice of Arbitration and Arbitration Claim form were received Defendant/Respondent on or about November 1, 2004. A true and correct copy of the proof of service is attached hereto, incorporated herein and marked as Exhibit "D". 10. That an Arbitration occurred in this matter on January 5, 2005, and both parties were provided with full opportunity in which to present any evidence and their position in regards to this matter at said Arbitration. 11. That an Arbitration Award was entered on January 5, 2005, in favor of Plaintiff/Petitioner and against Defendant/ Respondent in the amount of Eleven Thousand Nine Hundred Forty Four and 08/100 ($11,944.08) Dollars. A true and correct of the Arbitration Award is attached hereto, incorporated herein and marked as Exhibit 12. That the Arbitrator in this matter certified the following in issuing the Arbitration Award in this matter: that the parties entered into an agreement providing that this matter shall be resolved in accordance with the National Arbitration Forum Code of Procedure; that Plaintiff filed a claim with the Forum and served it upon Defendant; that the parties had the opportunity to present all evidence and information to the Arbitrator; that the Arbitrator reviewed all evidence and information submitted; and that the information and evidence submitted supported the issuance of an Award in favor of Plaintiff. 13. That the Credit Card Agreement Additional Terms and Conditions and document titled, "Important Amendments To Your Credit Card Agreement" both state t at judgment upon any arbitration award may be entered in any Court having jurisdiction. 14. That Plaintiff/Petitioner has filed the within Petition, pursuant to the Unif rm Arbitration Act, in an attempt to obtain judgment against Defendant/Respondent in a for m which is better suited to secure a collectible judgment against Defendant/ Respondent, as the aforementioned Arbitration Award is non-binding and unenforceable outside the scope o the Court of Common Pleas. 15. That Plaintiff/Petitioner is entitled to the relief requested in the within Petition due to the fact that the aforementioned Arbitration Award was properly obtained y Plaintiff/Petitioner; because this Honorable Court has jurisdiction over the Defendant/Respondent to confirm the aforementioned Arbitration Award; and because Defendant/Respondent did not make an application, pursuant to 42 Pa.C.S.A. §7314, with n thirty (30) days of receipt of the aforementioned Arbitration Award, with the Court to hav said Arbitration Award vacated, modified and/or corrected. WHEREFORE, Plaintiff/Petitioner respectfully requests that this Honorable confirm the Plaintiffs Arbitration Award, pursuant to 42 Pa.C.S.A. §7313, and enter jud6ent in favor of Plaintiff and against Defendant in the amount of Eleven Thousand Nine Four and 08/100 ($11,944.08) Dollars. Respectfully submitted, Amy F. Do , Esqui?e #87062 Daniel F. olfson, quire #20617 Philip C. Warholic, Esquire #86341 Donald P. Shiffer, III, Esquire #89451 Wolpoff & Abramson, LLP Attorneys in the Practice of Debt Collection 267 East Market Street York, PA 17403 (717) 846-1252 Counsel for Plaintiff Forty VERIFICATION The undersigned, hereby states that she is the attorney for the Plaintiff, MBNA Bank, N.A., who is located outside of this jurisdiction and in order to file the within document in an expedient and timely manner, he/she is authorized to take this verification on behalf of said Plaintiff/Petitioner in the within action and verifies that the statements made in the Petition are true and correct to the best of his/her knowledge, information, and belief, information provided by the Plaintiff. The undersigned understands that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. Amy . Do squ' e #87062 Daniel F. olfson, E wire #20617 Philip C. Warholic, Esquire #86341 Donald P. Shiffer, III, Esquire #89451 Wolpoff & Abramson, LLP Attorneys in the Practice of Debt Collection 267 East Market Street upon York, PA 17403 (717) 846-1252 Counsel for Plaintiff Ad4ftfomal `m7n 5 ?l,n mom ' ' . i,4'. -•,.i .1,, x'1'7 ?? _. `I''\?y ii??•1? i':'? it P. • 1 r , '4 , •ryv , • r , ? •Hawta ilsa YourA.roan ,.,...?,,:..::.;,,:.,.,.?' • ' ' 1R'd tp IltC??ti {1. 1??'Q??(?.C:Q ll? u,r.....,u•.........? ??° l?.rf •f?,LilBCiGr ill: • i??t?t$, ...,.,.,?'? • 1 ,. ,?, x w'•?ynq •qy^,?,?, dS.S ?•'U ..iti `': T??'k.N ?q1 `??7 v' r .'r. .i! l•IV?1,'.'y IiLr.lr, v ' n ? •118.. SY?a`1•? ?i1?, 4??7nilS. r•1.. ': iii ....u?.,.`. ?• _ I w' ?M r u; , r W- w :I 3 ^ Z c". \Cru,. w: • , 'tiG: ill -s - w":"ail i-: lil' Syiiir :iiyi:C?l s-I iL:: 7<??('i>•? ,_.C3S ' v"::': • act il,: E• ?. i I+...I',?'?\L.: J.'Z: vlia<I .'r"C.._ PP fyacu N'041C' yourprivacf 131,-„p:;art to usl A;M?i"I? w6S; s tamrnittse to p;c ief7: ya'..rtn ae fin. ,•inan?? PiC&C,; and airric:: i:ac?ad'ey ansi3tarafyLGu'y'?'l( sardv. And whileinscmatian aoautyeu I`fL'nd3lR=iliaf tp our Cilirf to dc: Chia, we (ally ieCC,pL8 •tl 314 l ?cilCt of %ea;In3 pe,:enaI and a=Untir,ferrtatI aeCJr TC offer you thewidest range aipradu;;;ridiernr-Z4, MENA•rnay4111M1nfailnitfM Twatyou6 thrrfthIn MENA and cuutd; of M50A wish other =panes, This alfa'ws us m cffsrycu products it daarvfmthat mayintersst you and bzstne:tYC+lrne:'a5, Mheziler they ara vallab{e dir:?Iy frarnMaPlA act thrm h cur ralaHCn.Wau with orh;r ccrfnp3mc-;. wewant;JO u Po - .understand 6'1i lnioCRlatfan53fa4'1a(di, What lnlar,-,1aF4r. we ccitsa, what infarratfen LL'e eh3r°, 3nd'ufl.°.bar7°ilt, YCu re_aN8 :vhen we share Ini+9ma lan 2I]tlU'.ICU. This aatle: de<_er! s Ills prlvaC1 pracfcasef MSNA Ccry aracEon and all MENA afffllate3, inciucilai•Ni'NA A7eriea g=ii ; NA., M4NA Amerla I?'=lama •t N.;. peffadfenTravel Se,Yic?= G1c;'bAS:V.?' ?alimar?` infarmetlaR Ssr/Icss, Inc„'b{6N;?, Ms r';atln? Sys tern.,, inc, and sMBNAtnsuranoa ; nz,,Inc )tCll:t;iv:ig,. -,XENA"), fer financial preduas and serJlceag?ver; tad by the laws of the United States cfA.'merica. This netica espiair MBNA'e fnfcmatim eaUacliar, and sharing practtc;s-and lets yon chancewhether Cr rtet McNAmaYshats csratn inrcrmatlenaroatycu,eith 1, G1thGI MEN,A cr outside of MZMA with etherccnpanies cnLSe`txProa.dv:ye: MENAundar3.andz the inpcnanee c prc% ing-3nd ziWIa; infa_> atio7 and using iI appracrlateiy, Access tC intorraatlcn Lfl?t you f:Iestritt;d tG the people of IIiVA V , 'hi reaair, it tc pravid$ products act serricss to veu, W: i^alnC?in pily5ltai, e)aati G1IC, .nd prCC:EdUral cf.`;'1airC: lh3l cgrph{ with fad;ral stands ?? ;Ct Ills ;eaurlY C{ infal:uatiar. , ' MINA a1a;a_ .nrarmatiar Cl(t fQu witn hY'ti.en CCrnp1niea,U4%icaa Cf ?riCl t' 'N7 re.^ti.:fi::Rern tC 1mc-.4e:a(c?VarC , u;3 it =i'; ICra ^ei'?ll1i , ,^C°e eriC :: re rli,,' tc•'Ja Cr ias-uz'j it cm: lh_v z. f4 i"ze is a3r'ieC,VJ3 llriat 4il$au,CL'nS Ci 4l.: rmzt cm, all re.?. 'vC W,a I: aparEpnale to Git:i : s:iCdu?. Cr ;."J1C$ ::il• Clemiy, i+t?l`? C^-1La1. 13cc!:i i(RCGr n1StSCn rr ai„ t^ siT1 a `CA ?I,_4 114 1r.,, .464, aQmen CCniaillnC neee:'.y+1 r8tT,t; aancCtil'_Sl`21n- ;, :°r,y:a • CieC: Cne Ilfcr?,a1SC r,. a v\?? :rS,a„Y'%y.?ilz? l;!: AC711 e..c=,-: vie 1> r q.., -.1 ii..il't- C'.Il...•li f CI., Wi frq,i, ti1!i Na,'iis '' 'V c CCA I'CCI'vS Ima':e t:c C1, F` c°: ::in y4Ui c^?fC'41 C-% Cieefi,Cr C?1cila=.;iaiiali;.+°i il6 Ir•fcm-Ilan i;, csr Cralls ?, R'itii•Illl lVh aT, YiI.i1CIl1S;rC^..;il?ar';faa Ga_IdeCCfAi?Nn. fn;"artr.3ilon{yc? Ci1S3r3'4ay?uil`s?irl?il,?: «: =y.l'ai3 all Ci tit°_ fniornzti an ?=caller sbautyau vnt: flr\cnCial seNice carer=_n1e3tvit lfn P18NAta aUir add, ionel products er ;aiMce= L1let may latsra.t you sr, o,st nee- yourrte=aa, Was believe Ihlsiacanvmnl nc foryau and mayaave9C'u%hm-thtimaSind money, To a a(z,we shale SdEntIfIClClvn In!QrmatiCn tsuch as na, s and sddr=?s),traa:-elan antlacperf;nc=_lnfarrn tionlsv:il as pu; c;lasesand psyr lzmta), cr air sll?(hillcy Jalmiatfan (sues aseredk report: and a;plic,tlcn:), an ether informat!Cn, Tito decision tc pumlmzi amV a ch•przd• uct- Cr;ar"dte_ is yours alarm, Ycu may tell net to share :;3dit311Z1ci11tyinlormBtiCnahcutyev ithin } I ICNA, bi..N4 :te ":e 1171dir$.^t1\'., this CCei nct , 70hibit Tui from affer,m you stidizlena! pradurs and e: licros cr fram•=ha; in; trans Orion aid expsdence, ' ' ldin1,11cazicn, and Csnerlnfanzri:,, wtthin E infer-matlCm Wa Ebm With nthars;' Fr m'time tc tine, we rim? allow came_nie_ eutsid: of N eNA to o le you their prada.: and.rfltzz tnat may in ere<tyq(, Thesegtodur.: and sarAcma mayre c1lare b`i financial samice pmvidera i3L' Ch as ? arLL-.lean brck rs, 2C:mm a?3ia;ailCia, InS?3ral.C:Bgellt5, inSUranC? C nCanleS, mart;=_,3 tank,rs, and:acurilie3 hmkar--d 311rC by nerrfinancial carmp%Nis (such a retalle.m. direC, r,94r keters, cainmulziaa:icns ccnpanies,inter, st s°.NICa _pravidei:, !;,_ntifacturers, s_rvft_ camper ea, tr`Jel ag n s; orals: tines rental a;:nci:a, tell, airlines, pubflanars.sndcrigaMzztlon:an etsil }?J43inantill p:cducs crservic_s), and other-- Isccfi a 'ncnPrcilt or;sniSetlola?. S+aejeattc apptlc ale 13` TZMay =her cut- all ! th In t6i,TiaCIJ R W-, CC1ieC.'.9ith t es? CCp1• eida ci iWScN,C, unlea; ycu 1111 u; not to. e ., ACcittan31ly,+,Y: rnz'j inai: fill the tR Q1',7cticn'x Ca1:' W14411 CZ,-, 1;;.Ni3 thV Mein I ?^IIC°.3 7n Cl'r i:ai,elr'Cr tr 6th3r final "if tllStl%t=,t1ilai r.;; 4fltC, LG'i11C1 14; i'aVe )CIl',S u`Sf;ieiti.:'y al =ement°• W= '• 3i = 3C ,. e, ia,•...4 C`f 1a:4: :,-r' IAr r,aC1Cn =•- vC:'Nl1R :C(";ln,I'e IR'::,i?iR 1TCUrn=\\eZ"?" ''! ln?._rtCA, We ,;,_:' =dare all of ilia F.'.(Chh;r't1C?`u C:alle t•W 1- n eSrllCiR>'?-''w i Can ii v.:L C. `R!t CCt1 ^'r.13 1n enC'3 r:'_"`r_ ?- `ti'!ti"; yCY eu,i:•a ;1t e:?tit,.. ,R i'i Cvl =.? :; L+^ _ , V" it I= G?lilta?':: .rJ... VI rr i'. A .+i fN:.11 Y• ,,.? r.n IIII1 QI Sill llll ilTiL.'d?l '.. I l, ?ll'?I\Li lJi :'r. G.ICIC":5 tale ed FC C;i; YQU,Ti:'r?li L'a% sir:i: au: C'J ri fail u5 RC: t^_ aheC: intoiulatiCii Wl:n GC.i,?ai1155 Cl':5)c . of ILi?{il5 that '$t 3n m Cr;ar y`vu tnaii prc,ucs afire ices a5 de:.rim shav., i(yc't tv(h to cct cut s s, ;- Imam=ticnshsrin;, pig= 5e:allwil•Ir I•Sac•iSl•f2;S. M l l e will ask you to varlfy your identlbJ and the spa Cific accounts % which the crt nut appiles, sa pisss5 h;'rs . 0 yeut S=Quet, membership, or riftw c_ nmEera and ycur Soc(a! 1sml*ol number of Tsxpayzr 16eltlfc3tian nunh=.r for daPQSit aCCeuncS 1 v5llanle w,i.n'You cal, MENA 201il; apt nuts at the acecunt lav;1, net ?) indmol,a2lCus-mmsr. When any1 mtsanll:edtvlt Chem or, en account CpN av (,°cr i sanpis, 3 Z^_•3P7I1C3Ri,?C11:"it ar=-mt iiCide, ar suther led user), we Imli list the mira account as havini Qptec cur. MEENAwill ccndamz aWhats to iG dlsciesed privacl y7T3GIC55 fora" sim um evsa ii it baean=s inaaiva Cr Is CiCSSd, Attapt cut Iran lzfcrroatlcn shatlr., O 'n in actcunt. as dea::rived ai m,a, althsr within MEM andterwith canp=nee: autsids cr h15NA r_mairn :ci.4 s'9 unl?di ;avekid In wrftlq, redeta ragulatlcns regatta as ?n prcyide thii nctic9 on v aE1pL''ai bas1S,1?Jh°tl"i?t0i n0i 1. actaunthasorvAcvsi'(GRtaadcutircnlsithsrape an I or ;niamatian 'hating. plasm raram?sr When ycu T0e°IYe ClJ(S1i0:'.';I'19r1t i iCr(C 5 Chat all ace lint pti'l lCC'Si:' apt d cut from dither Qr hCG4 type cr inscm at;ca shatin land nct reveksd in lviitin?l dos:. nCt n:_d CQ ?: eptwd cut a;airr, T'hls_nc:lcs vadst:s and raplacra'any przvicus =Gaut he•pri ?ac{ s,riy_?nd Ttetlte5 irGtn M17iT prctartion of lnrcrration. F<,' ad.,l:lonal inwr r,?A,tcr.?- nm:dln; MEN'S privaCi p,2 iC:S C7lC:T itAS tt)v, lattm at, and t-. vi:vr tha mast recant 114mien el-this YCa •ha^ls vtilar ptrlaCy pCC• Gn p. CY to^.1Cn5'_nd:C°251I3"m `N:,;lay an:rd;?I:vTlacy ;r.l"ti:":: aliy tlnl e, and'N2 Wli{ IRlarn ;rG': Qt C?1aR°_?= Ii ygrd. Used GI??n IBS Si1L: AQraament •.4;i=31i13r:? aC .`°Qa ?°r: .iaC"::ilra: ,T:3n: :6:5? na . - 3n^ R3;,lred :3car-1 C1it1Q3'aS3i{Cr'h3 lnitisl C'I:CCSUra arld 3nr an3n e @73 Sa'63 r: a :i3 :2:.1;1:pC3 itQC, ti&le to :tnl.. ,... 3riQ ?, QLI m..u ..1 an. 31 of °14QOralaQ ID'an iny'Qrn it :°•i:Cir'Jii3 i„ai vval;ut .i.13 a:::uAt, when's: e'1 11, U e3..IQAI an,t .9: '?(i eddy h1:'riUi SOd iu:fi I?.*p57C•;! ?'1a ar?C.'?aiiii:' 'C C;Iry711:5 aCi? 4rrc . Lied In .'i7 :i lne 3?'••.ne i:13t1',"i? t7 }`9:Ti :Pt':; iul3 :..: i , n?• EV, ? i =1' ? t • :• l?' :'r ,I'1 f11 7C. '.i rl 1 ;'Jl:` l mow` .iE'•i .. • J aal 3+'C, -= _C: read laden ' " t. , In n?rait,:al;:) to .r;a a J:.e tifa - Cr.R t. II`'' '•?.J rle9 rrrla Aatas is 11, 1'+a"!a it c;. gnat ? . ;, h: icli:w r,? " ,. tha headins=. . St ? ?^Q'??'C?Err? Ycu shQlal d alga year tsrd 5ai ara veu uaa It 1?Je,'49?' t4lati?»?°att.?R??oi°,?T:tevfto: sCalL r Yca calsanirQ and aunc?lrl:atvi'sMA Maria, any ci its alali a:_ ei lersn.9acins aerQClarstQmeJ!ltsranC?e recardar cr yQVr t3lsgncnz corJV:sarlon.; ^xlth cur raaQ; -? a :_ tJ : a, {'•• L is rearesarltaii'3 i a ary drnose camr3aiea , ;.. 'Cresiii F?:pvrtz fta Ag=ncies r'' Ycv accttnlrz ?M=i`(A nidt 'tQ ails; inretna ivn ahcus '' indu Q au ? ; :stilt ra arsFcneansuMarmon n; aEence f ? Ii you tellim we live Punished Inic:w:,teer ncctnplzs, f$c; inicr„ittc:,E6cautt7aueryacatac.Q1jntlaacre,1 ;spcrein; a MCI' lerileusat; ULNA„Cr:dlt,',aQOrtn2Amp ci=.=,P.O. Hcx 3 iC54 tVii-,dn6tQn: Q; ! 4n5A•iQSd. ?isaee 1 clcae ycu g?w r,a„ e,ad?reis, he , apiens marre,nahdae:eu, tnum1:a,'r. ' ana es:iainwi'la'tVcucaltave (str arurar:Qr i l c `r•. l a n m =. a3o vtoUsaVvu?Arnmw-lt y ; ' ca,pcyurz 64118 -,LQk.I(7 :ne Larrt cr "d4tlaa a an: G:v'sIl Advances By using yo?r:arda, acceea Qhaeks, at aunt num bar. ar cchet er dlc devke9, ple3sa (siartQyau Req'aira:d Fze3rai ?7GctasuJ"esc:InitialDisckaur:rodatar inawhat ' tratleac.icns ccnacttu;e?u;chasasand Cash Ad;' rc:s and h:wycu(rayQbCairt tirslsl, -Tv' n-snciiots_ D?ttj for Carti-N Cas AbanCs The transirivn ata (cr Chec4 4:ansiets dim by Q.L sa la the da vvhan tlt5 Ghacicii made aayabli chat' The cramsac'CIal dais ter: Mil t1i 'he ciaasl3 ads a sank Ghat the Clz,ms m4l1-- Pyt last ar tha amn LQ Les tP ;pewit td p3 . crC33 ant iwhlea iYant) I; th=dal: t7 YQ r aC;Cllnt, ses 79Y US tZ' ayuaa yC?-'tA Q.nt for pan.lZI, far paI a. Ycu raa{y nave: ycur vz- tit E C:1n1eCCfz-"? .,7.:7i?C'S?.'rCU lTuy not uia a C: ,34 Ve"tidal, of any C ?C C '? 3 - am .iCY nC r C. T,a thi' cr any =:har Cr3Glt °" -l 41tn ziCdt 'aCIC a..a L11t to ? 4a3d t: m"i my ar 3'".3yr1ra .ay l:t `3 ?: ii31 (,?=3?1 or Parent': U_in I Your Ac:auYt 11 C, .=^,It :37::1 aC:: t R'?7•?r ..` c:h 3' .:ii: .:e h(: X415 -:t?CR.^'I t.l.?..l11 '\. V1 ?.?i11ii: r`r111 (?•V •:1ii.{? r? :.... 1 :11h I`,: a,?7 , tii i17: li •n i ''': .. YIL. 'lIG car ('J?j?t?): f11:+1? bLQ'u V acv,, i 7CCc=i'C7i?Ch , Ys^U ilay i'•':=? ': 3 ai: pa'j,u3iti Cii ar. ::235 C?',:Cii v F.iTll aili? ua'BGit Che a..:.e CASCi rrC,ii::r, CC{iai 3iigCiit:i p7ey9: aX'eCtly as Iles, aL:eV;7, ee'?char', Ci41 SnC Writ! will ata; }•aVment reGCe3C5 an al! M : for sfx ;,,anths (rem the d'ay that We';11 ma'a:Gp pay'r 9AC. You May Not 'Postdate a Aeem Chaco You may not Is--u9 a aestdatad access Check ea yqur aWCUnt. 11 you de paetaat9 an acc°a: eheck.'Nc may efEat Ca es_ s 3 u' e henar it upon , mr m or r t it wapf to t pm on whc are: entail it to us far paymant, with6u:, in i(iher ma, waiting for the d=ate s'elewtl ca the 2ats13 thee'.!. We are not ila'Q,Ip to you for ally iesa or e3pen9@ igCwiad oy ypC vfling cut arf the attlan we =_lect to to" ' mp Promise to Pay You gr:m(sa to -ay u= the zmavn s er ali.cr:dlt:+as ' 9i:C4 l n, which 1nClU4. as all girahaeae and Ca3h M4,1zmCSS, Yau aisaJ•remise to pay us 311 the ameunr of iiAancs Ch3r?@ar lBe+. and any at„st IraiiaaC:ICn9 we ehar;° a;:6zet your aeauAi. ' on Your ActoUnt ' ?ycu must pay each month at least the iatat mimmirJn pa ,,,ant DUs shown on your no n:h!y atatam eAfhy'p, PaymeAt Due pates. Ycu may pay tla entire am:u4'7:gau awe ve at any time' payments mad:;n any hlillns t(cI1R ma: are :ha Total MItArtu,m F:'frns"R%7:w(ll avVf your cdl(ttat(en to make the Am *ratal minimum Payme„t Due, If you 9Vimay Cr if thtm 13 a Crad%haian:a =your account, we will Act Pay Imereat on Such m4i'ta, We will raj 2Ct'payment3 that an Act drawn (n U!, dcllam aad thczez _drawa on Ilnarc(al instLut(cAS IQ;zad autstda thetUnitsd : Calea. paYmant cf-ycuz2ct=( fv_i(Ilfritm) Fa}'mm; ?r R13y not aveid'ths ssee3amsnt of av=r ist ;:=s;-?--_?, W1en Maur Payment ZVlll Bs Credited. t.q Your A401[7ft .. • µI9 cr3dit Cayl'eRtS a: e(tha date reslvad, if aia e.ynne:nt 15;l1,ac3iv.: dy: ^,m, (Eas.err nmeit iil re^elvad attr% add;esa ahGwn in t(ia q' Qv le,`r•Itand ctrisr cf h! Iron, -i ^•:C• rnCRthly v';V7,, V:: (:j p31d 411h a S;1'CiS CraNn In U.S, dil)areCn3U.'•.iinaAC(allnaft.:lCn: a12 d.-I":vi,Cley C(Cer; aR? (Ii aaAt in CAI ia:Urn enValCp' 941th vrily "i't teCal't°.d a(ie arc ai.y des/, 1n:1'_'-tn; lh: =Yaent '?U0 :a7. L" (All: ^yy"°i ?aa =t to°. a:: l: re~: C:Itai,7°.. 'N(ji'-" e'1C5C as Cf the n:St Cey, ?t is (ar aRy C,i et CayiTara; It d: Ga1ey¢i. L'N': I149 daya Now o'r's Allocate Your paumvi!a W3'N!(Ial(aCl: yaVi}Ta?Ti,?Ri: (n ii,e,ma11e1 'Ae:141,znmi e, ( e°,'Re wtl{ a1ICCat3 jGVr :a ?T:T,a (C Caf51C°.: r Crest ina;:nt " . , •I„?tn; n ; new uaiii V;ka zI'P1•IlI, lv vAz«! f ••'" :a t,: sia?x with 4i,rar n?Z`, Ihla':VS(f ra-ZV(t in mW iahRCe,. With i;wv Agra 1"aV11 ihzgltn A?,? C(IE;el1:.(i,? -.31.. re - W :i.4! e. ? ai,C•'rl' y,¢I Cli:='•t:'., -i1,1: ' '4.r_Cn: la.C,e-. 5, ci73C,Ka, arvC -tC;' .r it ': =v i= ' act: JRi h,.a C:=_ic-1r:'l ??i^ V. A•i`??iir Ci.-:r a:, ?5ra:n3 i?r??': L'3tn? ^Cc`l'+ Ia^ =?:•• _ , •,?- alar,ytlir,:-Ui,C'r D.jaUls ' Ycu'k'ill ?:in det=uh ?(?ria?•=_,• - rniR°any raqufr:dTat=f jr711:7 U.c p_yr,;2Tta:,: Jl =.: 3`(t'iier?t Due Dam 14l7ourtet4l avutanding bala-,ce sxce7ds ;CUi Cr9dlC licit; ar {? j yav Fll t o a? id: by ally tether n....r cf hi P4memem' SizN7I=th•Lepu^rt g e(d_t" In`IA li;ihil(ty and prsmlum psym?nt'C51i;atims tcrthsapttcaal 'edit Ihsumicaputchmeci th-m3n,;mSM?ycuwill bed emad(n d:f_ulrct daNfr7qu vir you te!im makaap_jm:n w11t:^,fn4a ddya ai your P;yr,.At Iota 17alr, C'jf fal1ur: tc v. rcisA any C our rights wh_nyot7 des !aide dca_ nct meen thatw era unibematierclm r'hcserzhu?penism dahuh. ' 1''1h We Mgy )Require I(x t.dfate a trc r flyGU Eie in9?laai'°,wa Sal L:SVire lrnrtedlaC pa`lmar.t cf your, tc:21 cm?anc_4 in iakT-,taarid,vri_' '`1 hibitii 6! ecp!ices'alels+lan_da?C3ptalQtherwisepmvid under;;,; nrbilmfaaavldLitigcilu r aec,ls;, of thisA?riaemam w_ CM s: ` , a! r auir aou ap 2ytr,_,75w we Incur in an (alle:Ion 1z'CCSadfng.Si W lest= !:na'aleattcmeya'fe fiwar=fa }'Gilt aCC lli7ti"+; Ca(?9CIiOntC on altain:y'7rll'7.l RCZ SUr salariad ampleler=.. Ors tan mcmp,tleCepaymenu,panfatp1-1 an a,erpsy' meRtS'81: an, i°•a ?(CL{V9wLit( ?withOU,fG1R amyaf OW tl&htsundatthisfigreatnsnc, ihismear,3that PaYr'"'ent• Inclvdin; ;hc4- maikeai with "'Paid (n lufi'ar w( h an? cthet 'aat(SfaCCIC i°4CriC.iVH wcLCs, S1l2i1 Cpaaa'ate amm aCC: (d qtr, withcut;h3crierwritteempmravala(aneelcu san(aralfic Ya's may Act use a peso aced ohs to maks a ayrnsnt, If ycs des-restfl- < a coy ant thsc;,^+s may ak t to hcrcr I ucan creeanzment cr tevsttr ?accsa?te co t a gsr_anwt -ream ted it, without. in !t ter Case, waitin§ r r •:?h dot - loses cr Shown aatheG7?ck Veit not ((acla tagat; (o 2,17 e a ¢ a a 'r e=erto t aNene W.Itr a %7 : Cu arl_tn, cut of th.Ic' r W I'• { Paume,I tHal34iaus - -i: µf e may =lle?v you, (iCm tlrire to t1me, CC O it a ':'114'` Ca'(1?i :, Wa `xiii i .Ct(I?r yat( WtT°.:t thl: C?72('u , la aV3 a? S'J u.t 3 iu.l ?, nanC_ Guar S, nr ai, a, N WIII 3C:rC.:R jCL'L .C "'V n: (R aCC7td'-nCe w ti7 t(nl- Agi e ?Zmm-n YCa ti use v,?a mnl;l I: c I V11ni 7': caymvt Cu: eaCR m"mM."!cilcv+intac-±r nthCiiCay. ' Trmi_ actions Marla its Farety Carr:'Y,c 1t72?,?,eK:atn=_=c:,:ainaforei;R '.• o-:,:C::'j " '+fai to "'r,Y° 7;' tiles. iRtern•a':Airl .'.1 r'?aet: i' er•• B l I?' res. .?1 .cG9iCt'i?Cr ` 7..rarC yG?US?. IGI^ Gilii er?-•s G,?n ° CO - ?..' el0 ;:': C: 711? LeiVl?•: : :1:' tie: the lrai,! ;7l'a.51:r :tt?9C?ra:li •eraC' '- =;r. = ms's re,ny ;'r,cs:;a e'a,;a aad = =?`7, w.:rY'13. ,R°r :.';: .:a•", :?.'?a'a.n .a ¢ •:9-:`aa- IIJs'^ .::ail?i'. •' i5' - ?_ "u:2li..'. ?ifldi?a Lucie cma a=sir= Yaut 6illin; ., {'- M. "M ate( : 9:ea 73 a: .,, by i1=; '':h 5{Iilo=cr' ; _I ^ the d' '' the clcsin^'7 v'O:n cr the ra s a sinsle c!Mrli :yell; Account ?eQs aria Crime: A.., 1 tThafollcaingf°ee,whichzre9ethrhinyour Required Fsder Gisalcsurss ar h6)al Gi losure, are:r,g4 ' as FurchasaS In the billings clc(e In wFich the tree acme- (I i a Late Fie if the fecal Minimum P3ymim pue shcwa en ycur monthly Statement Is not le:elved'by u; an or bafan its payment Gue Data; 1.1;14 Cverilmit Fee if your New Balance Total exc_,d:yeer cradle limit an the izz, day of a 61111na cycls, avstl it Nil at finance charges c`atged by us cruse your New Uantz Total, cc eacsad your credit I1mIrian t7Yerlimit ?ee is chit;_d m your accautlt as Of the day in thz :illin-a cite that the lat3i eutetandln, We= en yeuf aC== ageeds yeur credfe {Imftt , (;l a xilreread i :yment Fee if a pays' ent cn ycur client I- ;er'r ether Inatsfliclent funds trio, anp ether res,on,mven.il ' t e n m ., itisoafdupan.:ubsequantpr-se A 141 a R2t'Ji nod cosh Adva nee check Fea l1 'N9 re;tlrri Al EaCCmai a'rmssthscJspsid chick unpafdfar zny re9:cn, w/m if the upaZ suesequenc prss9ntmanti . errly ?:..,I,.rtarsa,.. 'a tar e'eh eapYcra rt (1) a copy F• drat;, except that the alto mast recant monthly mtaments and al; sails drans will be prvod:i tc r trse: and it) an Annual Fe it ?CUT z= aunt 12 open tr?if ytL' rplnt ain an accauntdalan.,. wnzilg, You Nveac.ly cariln,Prrl• {aaaa IT nat. A6andan:d•Prtperry Charges: tfnlg':'g cnibit ihy -Zall,i Cie 1V We will Glare your 3C:CVOC, al. FUICh39e,ICs "aA•¢ C79C-alnC7CieZ-Cy_C5. 53----td'--- CO1r'{(Ca FrICa ii8i3 , abandared•properry ia++s. review ycur Re;ulred ;edam{ ipftfai miciasurs W, additional legs and charges that may aptly tq year ac:cunt, ?anGfit: W. r,,2;+:il9r Y( ;q .anaiits any'3rria9s ith ytut aC::'Jnt• t: rile ' i":79 ahy n9?4s a;a'- Cr lr.l5 Agf°-omen t. any sL'Ch ?.°391113 cr a3?rIC9s ale net 3 Con Cl thi9 Agr9°-I -,it 'it 9ie 3Ubje? t; ;n9 tot, a an' ia3t Cne cUtt!na: (Il th9 °n Li brcc'Utz 1N4 cttly al cC uns to t , J:S:9nie prcvtdeC t^'yC. f rC n l a Cy an h9,lal! cf ifIBNA Am-r'tza, We „ay T:. y $:{Uatad'. Cf C3l eCe ele!ICe and wlizzl at ail( tine anC W1 •-^.CV C nlll•.a t: yaNR_tusal to Honor Your Accouni i.. t Ilaal9 fCr any re :Sal i? i,:nC: 'yC: r ,... Ji,t. we 3i0 lil'3 can tndU3i a,':1:'siI ;a `4rcr yc;r 417t ci vz :'int -e r tr iii! :i79C, will;en an'? CU P 9C:a'Jnt. ?y' a'e 3C:l%'zli let any reCeiSi:n CI yaUr Card wy Ua, 3rlj :nor :acx, it any ptctderclg: ?e.erl°3. A 4 1;: :'rz r-' ? ; . . fir, ' i n: ? Yee ;Tdy : c-' ycer =_ •a vi: ? ,r;,;;i;;j,?,= gr I 'It rr - - l r, :r te12?:•:+ia ar?C do S<i :?' ell _ ?: _ _ t? a Civil: ds'liC34':n tlia" ?aCra{Iyat•v...?rf i rt li`3i far=ale.,. e.crir re wan arrr -vvihsva CZ a-, ;I is, JY?ir?QEt?.ldr?5f???e?YoztY ?etD?rl?IS ? L , GS? what. you A 4c=Jm isClcaac.ycu m5tc:nt_u-l aanccrwd t ch - ycr,„' c m p trsnaa dens;v yeur ar=sun,,: Ch es ImEnetearvfc5pravidera,:neilthe!ub-,erin:urancc ' np,rie: ? i:FSe tran9'ctlgn±eS2yC?Bllt7Uer0 ?":<har,zd toy tit atcavnnan,ilyauch nga rMb:1111n?. AiscAv;h_i eve yCu have ,utharlSed 3tra;7sac10n cress atternptingto' _e7=1 atcauntaF.3ryouha•rer9;;G.?azsdcada-erheac:a ;,ws r„ayaflolvthetra,7sac:ia?wbechatasdztycurac° uis, we tray VIOSMtnie Agniz-, ic, etany time. We ay- artendltbyzddin . deleting, of o`an;ingprcvlslc, of this Agjmemerrt, W hS We a-m d 11114 Agr3em9nt w;vr ' t it compl; with the applica cia nattcs aquitem9nts of faders{ nd G91;.vzr3 law rho a re i i1 etle_ az th9etim3. 1f 9a )m' an glvs you the eppc mQr% ltyte relict th9 ehanve, m if you ril=e, the.cha7l p In the manner pmvtdsd In such and, menz,We may tem.Irwie gaur llgnt to recsNa c3'd! and nay ask you za icum all cr eSdR devices as a'o:MWm f+; cur- reiettien the Seceded ?re9 enc {inc(udtns'.dy hi?her•ral Cr Cther 1714 h9r Glare=9 CP leas{ Will artily to the t Cat c4t- standln5hslerrs,lndvdirgths`uSlanc3aistia?b fz,ethe Oman art roc=,.ie eiE:ctlve we may realace yc r car. wit amcbet Lard at a-my time, W1a MaV 541 Four Accouiit 'me may at any tfrrt i' a rd 10hzit notl:sto ycu Bell, ass's a transfar ;cur'acccvnt, any suns due cnycur 6 :79nt, this A;reetn9nt. Qr cur rl a11'30r gbha3 70a3 Under ya t ae,.'-1141 l this ,4gte"Manz to Z;17 prersc n cr entity, The pers h cr eentit•J ca who, rwe hake srysut5 Sale, awi;nnem cr aln-far rya beanttti,d10al{atCL'Ptl,hi5c?..7Q(CC{haifGnS ltd:r-51715_ Agreemsnt to the axle, Bald, mi;nad ct llalif rrsd. tti; Your credit iimit is cliadcssd to you when yc receiv:pcul t.':rOi and, lamir_lly, tm e'ch, mcnthlystatement e- werrla'l Ci.3nga VC'Jr Cr3dtt{{ti,{t'itQltir?7a?'a{lit:, ?. Tha av?avnt shown : you ? ' ly e•=ta r u antri .. m as Cgs-, :r .? • cr3dR igvWi Cris 'pu:*Gne? :asn Advm,,L'es, finan C_ *73ryee, feel, any Gi5:9 - tr3n='-CIO r ' i - C ared.itathat z zat 1C YCUr a::acn: 3F21 OtteC - . La -=L Inat ,,ar::hly at3:5^ .UCh tran3aclicn^a tC ld r°.='llt l n ycur credit 'xcasc:c an '4 t u{t i'l Re - ss -' %N at Wi i'1au Du It You A'. t_, , t t?o E__ssd YOtlr Cr$uit Umlt ="'. +: a3:.i i`re: al C'a' m n Qln i atiai?n Cl7 va; . ??.' C; #•'C't ii,i,; t. ,. 113 at t•?ue *,^:? 's ...: nni'.?ih3u j an t?l .! .I 1 t' I 't 1 1 - 1' 1 ..1 ,1 I I 11 IL i , I?1•.._ .•.? .. 1 . ll -0 1 It.. ?I LM a r 'ra C:" 1 C.r. mil v!uc . il;+••..' n tiler ii i aJ•;.. u.'..... L- If we r3('.s; :: peu?Ili ? ??,Ci L Iii. -.aA:a a• :31a r•:i Ira11.'rall '+': Im"-V `C ?: +'? !a°i:'ry :-? aa:' :r3 :iltl: C: r_ SCK C.aail ' 3 " Cr ?:"ar15t'I?nai a' ti;='. Srl: ila' ^_? ra;usad, the; there ate insvr,'ris1; P_rlcs t'L pay the Cilscs Cain AcYarILS al c31ai1aa'~aria(arl aria ail f CLnai tT;nilta;, If wi beta previ:us[y per,nitnd ycu to a.azad ycurci=dit limit it dcu not ineen that we willpermit yav to _wa ycur credit limit again. If wa daclde to pit'mit yeu to saCea'd veur cf., dit limit,ws play char§gall av:rlimIt Fee as Fnld:d in , ihla Agrear„_nr. 1.jrlaut&ariud Use afYCur Card Aleaai nctIfy*US Imrnadlaay cl Eha Iva, Ehah, crp=zlale unauthotlted use a(ycur actcuat at I.134?•i E"r'S701. You A?lUt ?iati l]sW e Yau.CFiattge Yvu;' Address Aa i;re to kaap acaim . mczrdi far ycur henailt and aura The pest offlc.:nd cther3 may nctL f u3 Mt athaA it 4v.add s.. When YOU charlgeyour sddre.a,yeurus rtcLiF, Y us prcrnptly.cf your new addrss' 1Viat Law Arpiies Shis A;rein-ne is made In Detawar_. s,14 vie =_nd ndit to you tram D31s•Nare. TNi Agra3nar; is Vvernei ay the Isw3 at the =rata of Delaware tvihCet regard to Iii ccnik; of {awe prindplesi and by a ny applieahle (ed_,al law:. The Praviaians of This Agreemv.dAre 5eueraE tl anY prcvlalcn cf this A;reanlant Is Icund tabs In7311d. the renaiaina previsions will antinua to ba sllac;lve. Ovr I`a lure or delay la :.;:vista any-cl-eut,n;7's-Jtaer this AVIarnent data no: nean that INC afe uname to mw, isa thcsi fights W-*r. - Ar6itratian artd Litigation - ihis:.tail-`tlanand Lttigarlcn;mfiSlcn atpl 4 tc yc% e cv watt ;i+an the paruniry to tiler the Arbitra4n ind31•IEIs=uCn pr^7telcne and `;ail did a7 rej3n tha11, in the :Iir:fl:lli°. liqullec. It 'fa: did l41=^ ?fiCIY°I1 mar' 3tpfC`'la :n.'fC'? tar' Ci atEny IlthaC'i rIC:Sr: CV Ctl 3V". ealdln?y thin°e:C'Jnt Cr trila A2ia3rJ7ant :Halt :° tfv-4t re,- ,r ha=ted In Lhq scats of '.:IoW at. :iC:?'t1G in 3 :.+ S _ you clalm ei disport t'. "Iai'1 %Y ill ar?7C':rus °°_'nat y=;•?i:r.:i 2,'a.ila. th3 etnplCyeeil t=etra ' ':CM J{ tne :She. 3lialn> Ir:m Cr relay n9 In arly Way i7 thla.,1 ee;'=.^.. tr any crict 4AMMent :r Y:ar ac5cunt (x'rlath:r'u1d?r a ataCJte,In7Crctttewiiian^wh'w-' I.rmcnv d31T13:at1 pirAlne-:i CaClar-t:r; 'ri 3y LtS::19 isllitll'RC '.:I, Cla1Sa 13oardin? ie3 aC.I1Ca`:Illr,+ CI thl$ nrCitrattGii 3rc3 !tl^ *'ICn•r;'?,?v311Ctrl Cf the 3ntlre ;yie't^13r1t ci, 3n?yarncrA°r9an•n:•5i,a11 ?.: rea:IYeSS :;'air.lrlt ai lttet;:n1 'j 113 :i+lnattC^ ail l ;ae ?.rcuc3: `:Y iG4 N'v'i1C^,•31 A,:. ire .'n1.1lI?L`•.i. iaJar^5'c r"J Ci +r_1u11. TS 11 la \I : Ili 11 : 1. L 7atl2 'tv1 . i?.?r4 u- . E. ,_•J ., IBS'- a.:a ^11sQ'l:r: .:ri'r v.:.Ie:,CraS+ITlirlai=ti' :hss=iC.? (: _:tl.ai'fC':'. ti'r=yt:t •4''Jr3 LJa' t;aEl 411 III Cltiti -tlSrLIl:e ar: CaLlda {V li: '=i 111 v: l'irll"C, E'rily r ::::r° i:1a fdC pa' fa=_3. In nasvertU./illyeu a ri;+_11rzd Eclair„aui 3rc{ir':':CnJfll°ialai'rila l-;ia tl'P. Crna=fin rig.' area v than WhaS je^."r C'1Jm 'ACuli naV.. 0 Clain nn-'. 11__54=dIII aJr_Le aeon wlLS Fny:rausttonhearia6 atwhi?n yauappaarvril! wltll(nchi re dcl judfciildlealc that includdy addreasaILSedrterhaClaiais filed, Ihfaarbit meet 13 mad9 pursauant to as tuns=ctlan inYafvin eorlJae re; a nd shall kse ;ev emsd 5y t11: fader=! Ao%0U,vC all-ludgaartu;:xim av:ardnay.:antera?' Inarty5evrhaYirlgjurisd aiblEra gar a'ttallfC115'J; szlscin; substantive lawn eansi=tent witfi LhaFAAand'apptl-?able statutes and shalt hcnir any eiettrts or prtvlltit ra4asnl: any par.! ragaasts, ilia a`laittaLdrahall'Nilta an tainia? v i'17 maws far the award. No: CI31nau5nitLadtcaibleatlrnlshs-atdb no CI>ic, rnaylze fircushc as a class action or al artcrnzy gentraal. You da nct have the ri;ht tc' representa"ite arPC ntdpate as a mal'nbefof a clairnaritz wish papav%= any Claire. This Ar'cil UEigatici%-sacticn a;-,Iles tc all aakrs new iri that nay art e In;Ali atutuia. Thi;Arohrat(cn andI-Itigmtlcn atldn:hail tcrl(natidn et your =vnt with Ural Well Me paynent cichade tirt full byy4u,anyaanknJ sale at thedabtby ua. Fcrthe purpasate cf thfa Aratvaticnand Lit ^wel end'ue'' tnaarls MENA Arnerttz Sank, M.r 9u>~9ldiarles. a(Illiatas, ha°n__s.piedasss4rl iss!"na. any ptichazer of 40w aCCCant, and all diractats,enplcyeae. zit-' %I, a ni aze Ip C r 1 t%%ern_ Additlinaliv.- cr'uV' shall reaa a .he aC^.cuni Ilne;vdiny Cut not Ilm¢ea tc are Ghant_ that etc,ptanycrsdtt d;uica issued u ac:aunt,r=wsrdsar :ntclSmenLteNlte5,Cr9r c4,-mptanles, iebt:cllzdor7, and all :f melt t enpteyles ant: ao r;31 it, and only If, &* a nameday you ass ,aeiercantin znyclaiii against us. It an'? =iii,f trat'1cn and lUd gate (ct:rldr. li ilallC of lananiCrCa3'C13 Undv CCC:Ja'S:it wl th th ' c I1 C•. tale ia1^1alAd'ar :f K 'stir 'ic n >:= lee shall ?s znicrcz_cle wit` Invall:i:; cr unen;cr:ea:ility, Tli? R::UI,i CF Nt3 .AR-IT :CN AL A$''G'h:1c .i."Vz C.= :1Tlv,i i c7 IN =QnT, 1 N ?. J a 1G' aC tit: O,'rna Y n ill .2 •' 7_+- .11 IN` n • ra;'11iac rt -1l fr ill e ua late; l an ali?:'?rli .r,. if Zrv qiei. a•biti? Ian trite: file . ' , r,:• the vent ;f ltn(taticns ;,,, d by law. If •t' , Finion=1n .:' a ui,and a private ,,,J Mr. a cis ,,1r . ass of w' ationvid :-.. tier°nc=_ cr fir,,,#: , ?NIYa LFr3 y the nyvolctrttar; Z: ? c by yo:%cr . .. alien aaiClv?l • ," ttsparent, 'is; Vlub??q +,.y all cr ;j witri ' insu ranc° iCZra. GJIt:CLCi=• :bird part Is yca ate-. ?.. ??.: la'N or dC;t;3tlGa '`1 ie3=? •' - A4LA` 1C Cry :l 7 11 LI 'N ..;• I,:. 1 a L L ITAI7 Af.10 '.'__I COL 15_x.. z I'LL _i 1VI14 •I C,t _V'C.Z 177 ri'TAD, - ' 11. 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Ir ?.dl Y lG'1 }+n,l 1 t ?1,?J•\• JII ? • l 1 ,Ip I. 1„ •,, !tf li , r j? o'? n_ 1 1, 1 •I I l l V 1 IT rr l T II 1 V 'I V• v Ils ( 1dY `lll , 1 lr 1 ? : 4 4? .Iv I'.6.??1 1'' •, . lzs 0". will 1 , ? ,r, 1, 1 i ' ?l• , r'u l r • I ?YyI I(- I 1: ' •ri: '?:.. 17 'r 1 1: IY w:bli itl.l?.y, ti •. ', ur:'Ill?ifilltll i1J :I 1• 19 ''?'?'I 1 I. 1 1.a1•' .•T j. 'IV ?ll t?? it i { yl, a'I?• .' I . P r • ' ' 1 r ? Ij ' ? . It t ? , • r. li r r 1 , , t EXHIBIT 6bcac IN THE 3981 NATIONAL ARBITRATION FORUM CLAIM MBNA America Bank, N.A. c/o Wolpoff & Abramson, L.L.P. RE: Attorneys in the Practice of Debt Collection Forum File Number: FA0410000348341 Two Irvington Centre Claimant File Number: 0124843968 702 King Farm Blvd. Account No.: 5490994627054604 Rockville, MD 20850 Card member Agreement Type: NEXT90 CLAIMAN'T', Melissa L Ryan 141 Southside Dr Newville PA 17241-9536 RESPONDENT(S), For a Claim against Respondent(s), Claimant states: 1. By way of contract and use of the credit account at issue, Respondent(s) became bound by the terms of a credi agreement (hereinafter the "Agreement"), which is attached hereto and incorporated herein by reference. 2. Respondent(s) is/are in default under the terms of the Agreement and is/are now indebted to Claimant in the a ount of $10087.62 , as reflected in the attached account summary, plus interest of $164.17 as of the date of filing, nd at 6.00% thereafter. 3. Despite repeated demands for payment, Respondent(s) has/have not paid the amounts due. 4. Claimant requests an Award for the amounts reflected in Paragraph 2, plus all arbitration fees incurred, Process f Service fees and Attorney Fees of $1513.14 , if allowed by law, equaling 15% of the outstanding principal balance . 5. The attached Agreement contains a Delaware choice of law provision and a provision for "reasonable" attorney es. Delaware law specifically provides that an attorney fee may be awarded in an amount up to 20% on an unpaid cl in if allowed by law. See, 10 Del. Code Sec. 3912 (Pleading & Practice). 6. The attached Agreement contains a mandatory arbitration provision under the Rules of the National Arbitration otum ("NAF"). The undersigned counsel for Claimant asserts, under penalty of perjury, that the information contained in ibis Cl aim and the supporting documents attached hereto are accurate based upon information provided by Claimant to the undersigned unsel. WOLPOFF & ABRAMSON, L.L.P. Attorneys in the Practice of Debt Collection By. 4'4r?' {' Bruce H. Cherkis, Esq. ADMITTED: (MD, DC, PA) Counsel for the Claimant If Respondent or counsel wishes to contact Claimant, please call or write: Paralegal Department Wolpoff & Abramson, L.L.P. Two Irvington Centre 702 King Farm Blvd., 5th Floor Rockville, MD 20850 1-800-830.2793 NAFCLM/NAF3 256A NO CARD 3982 SUMMARY OF ACCOUNT INFORMATION ACCOUNT STATUS REPORT Date Filed: 10/22/2004 Account Number: 5490994627054604 Cardmember Agreement: NEXT90 Primary Account Holder: MELISSAI_ RYAN Address: 141 Southside Dr Newville, PA 17241-9536 Home Phone: Work Phone: Social Security Number: 178624646 Secondary Account Holder: Address: Home Phone: Work Phone: Principal Balance: $10087.62 Interest Rate: 6%n Date Assigned: 07/14/2004 INFORMATION DRAWN FROM ACCOUNT RECORDS AND CURRENT AS OF THE DATE FILED 256A NAFCL4/NAF3 3983 NOTICE OF ARBITRATION Dear Respondent, AN ARBITRATION CLAIM HAS BEEN FILED AGAINST YOU. Enclosed and served upon you is the Initial Claim. You may obtain a copy of the Code of Pr ced without cost, from the Claimant or from the Forum at WWW.ARBITRATION-FORUM.CO or 800/474-2371. IF YOU DO NOT SERVE THE CLAIMANT AND FILE WITH THE FORUM A RESPONSE, AN AWARD MAY BE ENTERED AGAINST YOU. AN ARBITRATION AJARD MAY BE ENFORCED IN COURT AS A CIVIL JUDGMENT. YOU HAVE THIRTY (30) DAYS TO RESPOND FROM RECEIPT OF SERVICE. You have a number of options at this time. You may: Submit a written Response to the Claim, stating your reply and defenses to the Claim, to ether with documents supporting your position. Your Response must be served on the Claima t and filed with the Forum. Read Forum Code of Procedure Rule 13. A Counter Claim, Cross chin or Third Party Claim may also be served and filed, and accompanied by the fee as provid d in the Fee Schedule. Forms for such Response and Claims may be obtained from the Foru If you fail to respond in writing to the Claim, an Award maybe entered against you and in vor of the Claimant and you will lose your case. 2. Demand a Document Hearing or a Participatory Hearing. You may request a Hearing in our Response or in a separate writing. Unless you have agreed otherwise, an In-person Participatory Hearing will be held in the Judicial District where you reside or do business. You may also request a hearing on-line or by telephone. Your written Request for a Hearing m st be filed with the Forum. You must also serve a copy of your Request on the Claimant and ny other Parties. Read Forum Code of Procedure Rules 25 and 26. 3. Have other options. You may seek the advice of an attorney or any person who may assist regarding this arbitration. You should seek this advice promptly so that your Response car served and filed within the time required by the Code of Procedure. If you have any questi or need help in responding, you may contact the Forum. The Forum is an independent and impartial arbitration organization, which does not give legal adv? or represent parties. THIS SUMMARY IS NOT A SUBSTITUTE FOR READING AND UNDERSTANDING THE CODE OF PROCEDURE WHICH GOVERNS THIS ARBITRATION. The Forum P.O. Box 50191 Minneapolis USA 55405-0191 (651) 631-1105 (800) 474-2371 info@arb-forum.com ARBITRATI ON-FORUM. COM 256A NAFCL5/NAF3 :_°° '.X, - „griature Proof Detail Signature P.0/11. SIGNATURE PROOF OF DELIVERY: DETAIL Tracking Number: 16241302873 Shipment Summary: Shipped on: 10129/04 Delivered on: 1111/04 11:12 am Delivered to: Receptionist Signed for by: R RYAN Pieces: 1 Signature: r PI-CEIYED IN-Goon 0"I?R EXCEPTAS?NOTE0 ................... . Receiver: MELISSA L RYAN Newville, PA 17241 United States Page 1 of 1 • For further assistance please Contact Us . • This information is provided subject to DHL tariffs, Terms and Conditions of ervice, a privacy policy. © DHL I Privacy Policy I Contact Us { Site Map I DHL Global/Corporate Information I Home http://sigpod.dhl-usa.com/SigByNbr.asp?ShipmentNumber=16241302873 L` X-HIB3T `E III NATIONAL ARBITRATION FORUM® Melissa L Ryan 141 Southside Dr Newville, PA 17241-9536 MBNA America Bank, N.A. c/o Wolpoff& Abramson, L.L.P. Ronald M. Abramson, Esq. Attorneys in the Practice of Debt Collection 702 King Farm Blvd. Two Irvington Centre Rockville, MD 20850-5775 RE: MBNA America Bank, N.A. v Melissa L Ryan File Number: FA0410000348341 Claimant Reference Number: 0124843968 Dear Parties: 05, 2005 Enclosed and served upon you by United States Mail is a copy of the Award, whi"h has been entered in this matter. This case is now closed with the National Arbitration Forum. All future inquiries case should be directed to the opposing Party. Sincerely, *Z4#tlll? Laura Johnson Case Coordinator Enclosure this The Forum P.O. Sox 50191 Wr meapofis USA 554054191 www.afbft(ab'on4mm.com 877.855.7755 851631.3700 rnx 651.631.9802 III NATIONAL ARBITRATION FORUM MBNA America Bank, N.A. c/o Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 702 King Farm Blvd, Two Irvington Centre Rockville, MD 20850-5775 CLAIMANT(s), AWARD RE: MBNA America Bank, N.A. v Melissa L Ryan File Number: FAD410000348341 Claimant File Number: 5490994627054604 Melissa L Ryan 141 Southside Dr Newville,PA 17241-9536 RESPONDENT(S). The undersigned Arbitrator in this case FINDS 1. That no known conflict of interest exists. 2. That on or before 10121/2004 the Parties entered into an agreement providing that this matter sha 1 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 accordan with Rule 6. 4. That the matter has proceeded in accord with the applicable Forum Code of Procedure. 5. The Parties have had the opportunity to present all evidence and information to the Arbitrator. 6. That the Arbitrator has reviewed all evidence and information submitted in this case. 7. That the information and evidence submitted supports the issuance of an Award as stated. Therefore, the Arbitrator ISSUES: An Award in favor of the Claimant, for a total amount of $11,944.08. Entered in the State of Pennsylvania ACKNOWLEDGEMENT AND CER IFICATE OF SERVICE This Award was duly entered and the Fo hereby certifies that a cop?o ?khiar3r?was t by first Jared D. Simm , Esq. class mail postage pre?iaid tom Pakies a the above rgsent ives, on Arbitrator referenced aorc; i* G i6p Date: 01/05/2005 Honorable Harold Kalina, Rot. Director t, 2 °o vi n C C-1 RECEIVED APR 19 Y005? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A., Plaintiff VS. MELISSA L RYAN Defendant NO. ?),? - l YL5 CIVIL ACTION - LAW RULE AND NOW, this Z day of V '2005, upon the consideration of the foregoing Petition to Confirm Arbitration Award, it is ORDERED that the parties to this action show cause, if any they have, why this Motion should not be granted. RULE RETURNABLE ?W days from the date of service hereof. 7)106 ?a I'. ^a r_ IFj G tY > c CJ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. NO. 05-1965 CIVIL TERM Plaintiff VS. CIVIL ACTION - LAW MELISSA L RYAN Defendant CERTIFICATE OF SERVICE I, Amy F. Doyle, Esquire, do hereby certify that I served a copy of Plaintiff's Petition to Confirm Arbitration Award and 20 day Rule Returnable dated April 21, upon the Defendant by Certified Mail and Regular Mail, Postage Pre-Paid, a copy thereof on this?day of April, 2005, to: MELISSA L RYAN 141 SOUTHSIDE DR NEWVILLE, PA 17241 Daniel F. Wolf9on, Esquire ID No. 20617 Philip C. Warholic, Esquire ID No. 86341 Donald P. Shiffer, III Esquire ID No. 89451 Andrew C. Spears, Esquire ID No. 87737 Wolpoff & Abramson, LLP Attorneys in the Practice of Debt Collection 267 East Market Street York, PA 17403 (717) 846-1252 Counsel for Plaintiff ,? ?::; ,:, ?J Curtis R. Long Prothonotary office of the Protbonotarp Cumberlanb Countp Renee K. Simpson Deputy Prothonotary John E. Slike Solicitor CIVIL TERM ORDER OF TERMINATION OF COURT CASES AND NOW THIS 29TH DAY OF OCTOBER 2008 AFTER MAILING NOTICE OF INTENTION TO PROCEED AND RECEIVING NO RESPONSE - THE ABOVE CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH PA R C P 230.2 BY THE COURT, CURTIS R. LONG PROTHONOTARY One Courthouse Square • Carlisle, Pennsylvania 17013 • (717) 240-6195 • Fax (717) 240-6573