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HomeMy WebLinkAbout05-2414 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA MBNA AMERICA BANK, N.A., Plaintiff NO. OS -d.411 QI~~l~9l-'L vs. CIVIL ACTION ~ LAW BRUCE ENSOR Defendant PLAINTIFF'S PETITION TO CONFIRM ARBITRATION A WARD PURSUANT TO 42 Pa.C.S.A. !l7313 AND NOW, TO WIT, this ~ day of fJ7f1~fI , 2005, comes the Plaintiff, MBNA America Bank, N.A., by and through its attorneys and the law firm of Wo1poff & Abramson, LLP, and files the following Petition to Confirm Arbitration Award, and in support avers as follows: 1. PlaintiWPetitioner, MBNA America Bank, N.A., is a Delaware corporation doing business within the Commonwealth of Pennsylvania, and the other states of the United States, with its principal place of business situated at P.O. Box 15718, Wilmington, Delaware 19850. 2. Defendant/Respondent, BRUCE ENSOR, is an adult individual with a last known address of 1024 Teakwood Ln, Eno1a, CUMBERLAND County, PA 17025. 3. That pursuant to the credit card agreement, which Defendant/Respondent received during the time period in which Plaintiff/Petitioner issued Defendant/ Respondent an 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 (NAF) 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 is attached hereto, incorporated herein and marked as Exhibit "A". 4. That in early 1999, P1aintifj'jPetitioner forwarded to Defendant/Respondent 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 Exhibit HB~'. 5. That said document again provided Defendant/Respondent with details of the Arbitration clause, pertaining to Defendant/Respondent's open end credit card account, in the event of any claim and/or dispute if said account is referred to collection, and further afforded Defendant/Respondent until January 25,2000, to notify Plaintifj'jPetitioner by written correspondence that Defendant/Respondent did not wish for Defendant/ Respondent's account to be subject to said Arbitration Section. See Exhibit "B" as previously identified and incorporated herein. 6. That Defendant/Respondent did not forward any written correspondence to P1aintiff/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 pursuant 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 of Arbitration and Arbitration Claim form, and said documents explained Defendant/Respondent's 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 marked as Exhibit "C". 9. That said Notice of Arbitration and Arbitration Claim form were received by Defendant/Respondent on or about November 29, 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 12, 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 12, 2005, in favor of Plaintiff/Petitioner and against Defendant/ Respondent in the amount of Sixteen Thousand Three Hundred Twenty Nine and 65/100 ($16,329.65) Dollars. A true and correct copy of the Arbitration Award is attached hereto, incorporated herein and marked as Exhibit "E". 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 that 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 Uniform Arbitration Act, in an attempt to obtain judgment against Defendant/Respondent in a forum 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 of the Court of Common Pleas. 15. That P1aintiffIPetitioner is entitled to the relief requested in the within Petition due to the fact that the aforementioned Arbitration Award was properly obtained by 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. !i7314, within thirty (30) days of receipt of the aforementioned Arbitration Award, with the Court to have said Arbitration Award vacated, modified and/or corrected. WHEREFORE, P1aintiff/petitioner respectfully requests that this Honorable Court confirm the Plaintiffs Arbitration Award, pursuant to 42 Pa.C.S.A. ~7313, and enter judgment in favor of Plaintiff and against Defendant in the amount of Sixteen Thousand Three Hundred Twenty Nine and 65/100 ($16,329.65) Dollars. Respectfully submitted, Amy F. Doyle, Esq t Daniel F. Wolfson, E uire Philip C. Warhol ie, Esquire Donald P. Shiffer, III, Esquire Wo1poff & Abramson, LLP Attorneys in the Practice of Debt Collection 267 East Market Street York, PA 17403 (717) 846~ 1252 Counsel for Plaintiff #87062 #20617 #86341 #89451 VERIFICATION The undersigned, hereby states that she is the attorney for the Plaintiff, MBNA America 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 P1aintiff/Petitioner in the within action and verifies that the statements made in the foregoing Petition are true and correct to the best of his/her knowledge, information, and belief, based upon information provided by the Plaintiff. The undersigned understands that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. Amy F. Doyle, Daniel F. Wo1fso squire Philip C. Warho1ic, Esquire Donald P. Shiffer, III, Esquire Wo1poff & Abramson, LLP Attorneys in the Practice of Debt Collection 267 East Market Street York, PA 17403 (717) 846~ 1252 Counsel for Plaintiff #87062 #20617 #86341 #89451 ... ," ----~'- ---- ---..-..--- Y;X.BIBI1 .; A'~ -----~- " r~Iw:J.'.H~i1.l: ) !,.... , " , ''', ; " " " .!.~.;~ .' ,If.' ,'. I .., -...--. ,-.,.-.... ""f .'" ;".J.":l:.:' '- ....-.;-... , " . " , '" , , , ."~ ffJt"{+J7' ~Ii'~ j ~1~_ _ ~.'"" . .~ , , , ,. I'.;.:',:, .1..' ,',"l', I,':';''''' , " .': '.,,<1"\ ~.. ~, :..~"'.L.'7;" 'i' I, ,I,: '. ~, ~ >~ ' ,!"" I ", .,: ,'" 'r , ' ,I , . " : l ;~~~;F!i\~ c:y 'k, ~L.~: .';::.~: ~,~;;,:~:;:,;~-;~ .~;;:~~~~~\ ~:':,\ \:,i:' " I' .. . 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""" CQmmlt'::;c: ~c pi~IJICtni Y01~ men t:;~ fin<a.stI\lna~~l= t pioduas and ::::iViess b~~s'~ by ~,ilsi,~;;;liy,ct'q'..!~ti\' e.rile:<. .And whll; Iniormatian 5bcut you ii iundim "nt. i Ie outabHii'/to dathia. w. MIl' t;~r.lze,thl ll'l1por.:anc, of \,..e.plili pe..onal and ,~unt Inic'imatlo" .<!C'J:a; 'l'c cilaryolJ tha wid..! ranee ai produCillnd ,ervloas. MSNA,tT',~y slma Iniaim.tlon .bout yot.! q~l:h witnln . MSNA and ctllSld. oi MSNA With !:lther CCll1p,nles. 'l'hi::allow$ UHO oila/you predum and llt'ViO!l tn_t may 1r.t;;[i!5t you anti best m",,,, yc:u/ needs, Vlnet];li they are avalllbldil1lO:!l' ITom,MoNA Qithrodi our ieJa~lonihlp~ with other ~ol'i1'F$ni"$, 'Nuod'\1100 lJ!Q J .j ., 0,' -' .J ' I' , url...erstanl.Ol cur H1Joim:;l\lon ~a.r~~J\J=~~;. wnat marli1stIQr. We collal;:, wll,,! lniolmatlon we .1\all. ",ndt.l-tillbmefit;; yeu re~r/e when weshm Ini<:lr.na!\oi\ abou~.1eu_ Thia not!oi de~':iibes the !=rl~a<:'J ~racti:~Hr l-iiSNP-, COFPCHliolland at] M5i'1.~ amllat~s, i1'l~u<::lr~i.tvl=N.':" Amerl," E!~nR; Noll,., M'SNA Arn~rlC)J \O"lsw,i.), 'N,.~., l"iillaclim'1'nvel Serllos:,lnO:,,'MSNA'Hlllrmrk . lruormlllo n Sel'll~a;, Ine" 'MaNA Mark~t[n~SYai,=a~;s, ln~, and MENA IMurant. .~a\'\C1, Jnl:, l'oll;c~iv.I\l., -l.\SNA1, 101 financial produe-,s and 'S~rllc., goveil'lSci by the laws 01 tha United Stat.; 01 A,'l\sr\o:;. This' notIce .:\lllains Ml:N."!, Irt!crnlat!ol1 eci!a:o(ion snQ . shsrln~ pisttloss '~nd le(a 19Q c11ooa. whsth~r or not M6NA may ehara mta\n !rt1oimatlc:n about ;IQU. althel' . within M'5i'1fo. or ctUl;;id. 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IVe. b.1ieve thl~ IHiOnvsnlertt fo;you end rnay~svero\:lbo1:i',tlrr..Srtd money, To ole ~e,'IIe !hare Identi lI(I~I~n 1 niorrn.(\~n (euch as name "md aQcli~sl, tr::n;a<:i!c\i ai1cre~[lerlen~= Information !l\.;cn i .$ purdmes InQ paym<.l1tl), <:I"oi: =HglbI11~llnror;;,aclOln ,~ (!1ucn a"credli report" and applk.tlcns), end olnei ' information, The (jecislon to pur:.;.ee any .1l~h,l:Irod, r uc'-'lcnervlc,e i"your. "Jon... '(Qum.yt<.!t USnClttQ' . ah.:; ciedlt a!islGlll,y In!oi!l',atlon abc~t;'oll within ~ ' MENA, but. Fla.... 1Jnd'li'itsnd thle coee not oronic!t u, ?~:( from <:ziieriili yeu additIonal plQdu~a ano::l ee~lloee~: ~:::' frQm.5hann,', tr;ii:!~dton and E;:\:;:j, ;rl~nc:~.. ' '. :'~~r .1'1;:.1':'1 iclsntiac;.;:icl'l, ant:i ~the: intcrmati\1n wichln ~cNA . ~.:.rS,.~1 lnlormatlon We. Snsle\ W\t1t tj~he~:' Picm ~Im; t~ ,~;~~ time. we ma<1 aI\Qw'>;:emc, ani." QfJ(SI':!, or MENAtc offer ,';:si'! .( ;1..~;~ you ~hal~ prQ:;!u~a and e=T'li~"a that may tn:~r..5i you, ~';~r;;. 'l'he"5lJ(~d\lo and S~~I\<:SS may be Qli~r>ecl o~ fl~aiItlal "1'W:(" sel"liee pro'/iciers \.1.1 eh as bll'l1c;, loan broker.;, a,c::our,t f" a~ais~aw~. Inau/en.ce ag"lnt5, lnsuraM; CCIn;:'ii11e.s, "~~~i mctt~aiS bankers, <!l nd liia~u~lt\El bro~er-de.s\arsl. by J' ;~ ncnfiMncl,,1 <:ornpa 111.s lauch -= retailer., dlre~ ritar- ~Iili k'lltars. ~cmrnlJni~sticr,s ooll1panie" IntSr;1at saNIC"jo ';,;il ~l':lvid.i<. men vf,o:e,urers. ssr;ies oomllaniss, tra':e jl <l~~n{"5;-<:l"l;lila-iinas..~m:...rsnt.\ a~an~aS, het;;Ja. ~lrlll'l$7' t tji,1'i pUbli5hm:!, an r:l ors;nl7.S~\C1ns enc~jnog-M:SNA.Jtnal'\OJa .,i~ ;::r~ci1.l~s cr ae.r;i::SS1, and oth.rs \1\Jch a!rncnproflt _ '" :r:~ Qrs,,:nila;:,~01lS:), ,::'J\::iec:': tc a~~\\~b~ la'N, wa ma~ an.r:. !.~1 an tna iillCi1l'utlC n WE ccll~cw\th tJ:.!Osa t:,:rn?~l\lail 0\;' ~.. side. 01 MaN.e... \Jnlci"s ~ou 1elllis ~Qt to. ,~ ACd\~i or,a \ly, we mS1 shar. .1\ :n!! Il1iQ1ii\ai:!on w~'" ~m{!f __i\.,., ",'l-~ "-~-~'l-' 01,0- M,,;"m m-'~"/\". or ~,"-:;,'" ......~ -;,..', ..~.H ....;"Il,\~:::...~~;l.ll-=~""'...,\I"i\-l j:='Ii1..., ii'll 'O~*i.':'i $ar"rl'~'S Q~ r.:lJr c~r\aH ':::t tQ oth;tr 1\~;;iit;h;1 \tiS~\t\.lt\; ..;;~ "",rl, \,..1-'"."0: W. ".v'" \~'1"'" *\".\"'=,-':'1" "''':O>-Am=nc~ \}/.. ,'~ " ..1/ '1 i\ll,i,l"l .... ,,; __ ... \.", \l.~\."\...'..l>~ ::1;:\.....1'" ... . ...,''t;';~ l ,.l' \ I, . .' "-'''~ ". ~i~; 'SQ r::~i'iii't':~- 0.'1 aw.t.:: Sllai; Intcr:na..1C\\ ;;:0....: ;;;;;' . \' .lo' ~.. " 1"""'lc::1=,r\;:~-' ." ~CIJ \Nl~;,\ ~...~;r ~~ii'b.ar,\;= In ~~i\l\i\ CW:!JIII"~- ::J ~~~ _ . . \,.... -"'<::n'll-,, t'Zl'm.;ta\iC~, we\'r\s.~ s;;areal Q'~ tn! \~rcrld;l"'l .....:71 . . ,.,.' 1.- '-_". '~".\l=''''''i' W1~r ~-r"~~i'H"'I~ =::':l~ln~ ~== In ~.Q\'llel\\.$:'" , :.:'..... _ ~",,'. --:~\ ,....~. -:..::''' :~'.~: /' .:.. "......:.,.....~:t ::~r \....;;;..1 ~I _::::'.....I...!\\~, '\;'H.i\ "'''\1\~~111;.;; ..n.;'-. ~('t__I..... ....~ .;lcci'~~~ lnq, :~i*'~I~~~"s. \h~C'.Hh !mn\t:'f ;i\a~;,,:,;ell~:,l~:;;; . ,'..... .._ ~...._..~.. :..~..1....'. ~:l."'''"' .. ~ ....;.. =\!',..~:::~(.e;;.. ; \;t..\\ !;...~~jl\\o.,:;::'.. ....'.11..\;;; \1\~":;'1-o..n::; ''-'IIi ",...-, 1 - ... 't:." ;",,,.: ..;.:i....-,~~ .":' J""?o.' ~.I";", -.~~!'''.:::ll> ,,~.......:..... t~l\JI.:..C;ll:::",;.dt:::;..,-".., ....." "l") ......,,~..I;,~\ :-......\\i[(i !~.s.~ci:;~la ~{:\J ~.;h fJ; ilC: ,~.:sr.a:; ir;!:ii:~;~:':=,; I;;'(~:-; . 'f . l, . ",,:.1 I ,f I. ., I 'I ~'. ~~iiF.!~f;; ::~J~(';~ -:-i I,.,,;:]'i,.... ",ti:', N;:I~ ..'~ ~{fS{ l:';lj. t~ ~JtE~:~!~':!.: \:,~~ ;!7,~P :~;~~7; .;~:;;.~~~:: ~~; ~:'!:~ ~i,~::~ !J,j.~';:~'-.;i\'::i ,i;:';' :1... ~d\ ......I~.I'.,...... ..\\.,'1 d,f-.'Il;;:;:';'''l' I .~...... ...l.:,.I"'l"""t ..i""'rl~:l~~,",'=:l . ~i 'Iii;;:; :,,,",__i~I""\I'::l "'.J....,l,......(...., , I. .....:,..... ~~" ,f """"fI'O ,..r......l.... \F-I.. Irrr:::'Qi.an1 t.!C1'i'j';O;:"'''11 ('1...-'.., J".l~ ....ll...\...~\ !.;,~ . , -AI:.....; .... ......,'1-. '/....IJ.. ",%;:,..'~ ~ !:~..( .."",,: r:::::"~-:.~" ,/."'11'" C=_,~~":.'.. ....'... ;-::; r h; '" I II"'...... WI.J_~... ..........."'......11;; .......i , " I J 10 ..F......, y"'" -"'/'-11 P'" .............' . .. ~uC1C:S~ i';.,;~~r: ',0 :-d'r:'~/. ....:.,j !II';,~; ...; \,-',~... ;t1;i; , " II " 'I' .' ........../,_.. IUl.....I" M"II-,r~ -"'I"'i 1..'"'1(1 ,......,. ,=ri;Qle ~ ~lelllfl jiil'~1\iI~~I'-iiJ N ~,\ I'll ... '/'.'1 ..U.. j'.... Ill;;: . Ij 1., ~! 1...._..~I.~ W!.:.... ,.....-......:'!'... ,,.1.)- 1~, US iio~ta~lJ~i~!ri......rtll.::'.,.....ll '.H......I\(:O:,::ld':::.:O!.l'..:,'"j~. , . , u ~,. .. , at MENA ti'i~': W}$O ~o OH:;r ~'O!..t l.:iieH<Frcc!.l~= ana ~;rv" ., ~" . , ' tc~; =3 d5g~rib~d =~OV;, 11 YCIJ Wlsn '\0 ~p.; OfJ~ Qi .;ll~i1 lntoitTlaiicn $ha1ini, pis"". >:011 tQIHrae { 'S6~,m. t 1)5. Wa will aax YQU tQ verify your tdent~t>! and t~e spacific accounts to which the opt Q~t applIes, so pua,a h,ve aHJour account. mamoeiSnli', or re/arlenee number, an your Sadal 5acurisr number Qr Tax:;:.y~r ' ldantlfication numbar lor ~;flaelt accounls .v;I!"bI3 wh:;n'you <:.[1, MSNA 3ppJje; apt out..t the acccunt I.v..l, n~: bl. lndividu3! Custom..: Whsr\ any )'larson listed Wltll c(rl"r; en an a<:cO'JM opu crt. (10r mmpla, a ~'a~plJ(;1nl,iQln: account holder, or .lllh~rI:sd us:.r), we }vlllllst the ~~ti:a acooU1'1t;; ha'lini cp:,,: QUI, MeNA '!,nll ~1Ji1:1r.uaiQ aclh'ilra to It:! dIadosed ~rl'laC'/ lliilalC:ils tor.:1 a~:o un. eV"TI If II cecomes il1a~l'Is or Is clossd, . '~i'C9i aut Irom infoimatlon ah"r(!'\~ on ar. a~~Ui'\l as d"s.~lbsd aboys, -e}lhar witnin MeNA. an~cr With ,omll,nIas outside or MSNA, remaIn; stia":'",, intes: re'lel;sd In writIng. Fe.,j'm!l rSiulallons r"qu~r.. is to crovl'< lhls nOI!,s on ar. snnu,,1 basIs, wh,m..ror not an a,;ul1t has prav{cuilly ope"d OI.lV1Qn: slth,1 typs ' 01 Inlorma~Qt\ aharil1il. FI.a,. r"memo~r 'un,., ~cu . ~iv, \lilY Nb.e:tu.n: r:ad~, ~at "D ;~~un~'p:l'liQusIY opted OUI from si:n.r or ~c~, \'Jj:iss Qllnli:;rmat\~l arulnn;a' la\'1~ r.ot r/;vQksd in writ\n~J does nat n,~d t. be~r:t!;ld QUillS!". ,'.. . ~'I= ~, '.il"'~ 'J....~3:e! !iia ~a~1acss 'any' pra\!i~us .n\.......'~~ . ~. '.j !\otl.~s lrom Me1'lr.-.oC'J~",,,,,-prl;~a.C'/~ .e:'(~!o/, al1'. prQl~~iQn QllniQrmat!cn, i.;r ~Q~ll\Qnal I1!Ol~li1Jn ree..clnl Mi!NMs ~r!vao:'l ~ra:tI~~S ~Qn:<rn)n~ tbe \~~:;n=1 e~,.l Ie 'Ilel'l th"mQSL r;t'!nt 'Ier.ion of this ~1lr."4 .." _~Il.l, , . . . 1\ 1. 'QrivaC'J nQtj~SI plass; ar: ~Q .~~. rT1~r'\;.~en,.;nQ ~l t::\ ':..n "=ri'/acv No~t~!.:t YQU rr"IQ1J."ave Q~h;f ~rJ'raYl ~~,:. .. >" 1'" m '.... -==t"!'il"'\"I( lln~ar $~~'; aWSf ne li, ay arnertQ ...ins pn'Hacy .... ~". ~ . " 'Ill' , I.. "'l",~l...~::;':" ~\'ly'dl'h~r a~... wa Wl ~icrm Y~1J or e;lail€;~S II..........,... . .... "'T!'.~..I}oy I.e".!,! ""::; I e:'...1~....~.. ..... . .. . I AI' , 111 Tfl1.5 .A.qr;':m=rtt ' Words U:ad Or~n '""' '-'<:11"(' ,..--...1"1 l-t"""-o::ln.1 _d!.~ "I"'<ll:!." -.~~I'!s.rn~i"\.. ~r ............. ~~I.....' ....~I.':"I '..,hl. \1 ..,....:- '.:..:I~I....,,11~rm1 ii1~ ~~i\:1~\;n3 :an:. ti'.~,,;:>::.:fGi:. ~~;.Si':;.\ ."i....., H'" II.. .. I 11'\ ~1...I...o:::((~\ :t....J -.. .;... ..... \ ~ :"'I\~4'~1""'1! fer ~h; il e;:, .,t~_"_'.H. ...1\\00 ~\I!\Oll..nS.; H.. -- 0(...,...., ',.J ~t 1....- -/_".... .1_!S ml'~e {: :.h:~t ..:::"'J~=j :; IJ.l,. .....,.. 10_ ..Ul..... '. .. _ '!!J.'" .....,.: .!1 ~I' ,." ...~_........ n.!.o._ ~.= """"t1" ~.... VQUI Hl1S.~ t....., llH"::a.\ .. ....~ .....:....... >'Il... ..I. I..... iiU\ol \ ."".. ....."""'!. ''':2 .....i,J ';".~". ..'OJ I" "fl'" #_......1 ~,oOo!l~: -:;t\':'1!.~HI.;\I:."'''J.,,;'I..I\\oii_, (<';,',:;11"'" '1......, ':1'1<;1'.;;,,/ ~ ....:- '.. ..... 'I!!"" ,,1. ......... ..." .~.li... _",_~ ...: !Ol.... -..~n 3.i"i'f ~'ll\~\ _~......n ,l.,jH~ l\~ ~lJ;l...ii\~~.... .":Y'l ,..." ... iiS... w.... . ~~~ \" ,o..lf ~e:-l.n." "'n..1l111~ '~i 1i\a;'I MiZ....'... .....I~ ":::'J~~, Wli~:i ~;;,.. II.W ..,: .......l 01 ~ ~:',I__. \' \ Ill_I .ll..":I. _., '" ......... ._:\-,1...... ",..~ I :I\.~.,t.... :1....lI1J..=-.. '" J-_..,..r2r'l"'l"j\q::.....::Io.;I...,""J~ 11I11"'1"".~ ~.\.l_"..Il...,..,I....lr ..J'\.~" '7f'(;. -i... ~\'.'\.........'!l\,-I~._.....i.....;....."'_l:...~ \:s",.lli'\ !.'!l"~ ~ \;I~ l~..,~\\! h. _'0 "'':.. ~..."''''' \".,'.... .... \.,,;;. ii........ ..,li .._ 1__ j IJ",: . . . r",."..::-...,~~...-:..." e....: "..~'.9<r 1" .. ,,..., . 1..1"..... -. ..~ .'r..... i":.... "hi..., .,.,~ './." -"1:"1. /. I ' . <, ..-.. "~I ;"'.r''':''';'''l ~{=:..~__ w "n'~,. ''l.:t,'" ';~r'1 a l":~ .. (!..'/:~~.A 1,...., '=':!'"'l;'" ~::_ 1I"",:-:'." ~..; ~,iii!~:= SlD~, N".l.., ..., . ""I. ...',- /!~'-;111'':i''-. :;:;~~~~~..~:i?F:<~~~t;~~~F\;:::;~:i~ ~~;~;~~j~ ;~;':~::,~~" ';'.-:;:;;::; '::~~::~~)~.""E~.1~ ~t~ ....~~~ ...:.~....'. ",. -..., , '", _:1l... '.. ,-i..,-~Lo ....j.'.. .,; -.-.....-- .."......,,,; ~'...I:::~ ::::y-:~ Ili.';~'I: ::~1;:';~:::;~~ :..,:::,~,;~: -;;:~~;~ ~r !.~_::;~I~::" , I, r:'........... "'-'I..:;;:,ll~:;;;._r_"-:-"I'~'(i'~f''!C'''T1~-''''''!I'''': ..:..;;..... ........ ,~~ ,I' .. '...'.. .. J'" . I I. ',1.... -...j,H;I.. '01..:, ...;:;'\ <:: "':;;,,\1<;',1.';;; ...lm n;.. ~d: ::"::~~tl":\~: ~,i~t:..~h~:::..:l::: _._.._:_~ "\'-" 'l" ..';.. .'" -/"'11.-.1 _) f""~" """ '011 ..." -.. 1.\<:;;:".111;. il ~,l III ,-,.:; f'~;;.,.' ,. ::::..... ;- :s :.','1::. . r;~'_I''''~~\ .=~~.. .1..;:: I.." "1./ . .. 'I . '. "'- ...,-- -.......:'r, 'li~l!,~..:;. t.;iS:: ':i~'~r~ ~r i:~US.oa:: itl J~'J ~ iiiC'il ehi,' -SU:=rT'!S;lj.:. . Vol::. t.[~~ :~""\&IJ":Il '\".... .....:r.._ I'. 'I)' . ... ...-.........,. ll:;='~,il.i::: :(!';ii:~ ".I~.lSIJltilr-.r.'=\j.,".I. ~.' ..,,:::,0 '~I.l" ,~~ _~.... _'. ,.~'....~ n , ...... - '.,r OJ ,1 fl';fl...r... ~.J'''' ....'::.::::01 l)..~ ~d~ 4"':tl;:~iii~n" 1"',,;: ~..I'f-( (...._... I,. , I . '. - . .. .- .......:::1.\ :;~ Ill':'... lda "st5Si'il~1\'~r'S n tMS':l.t~""',."'f~ .;.,:' r....!.,.\" -..,.1_.... the hu..::Hne;:a.. ... ,..... ,1,..1... r.' ;n'ol }.''':.. . Sign 'YourCiClrli' '(ou lll1">Jlclii~:n YQ\.J::zdi,r<:liIj',=uu..Ii, We Mav Nmdtal."'an.a Rsard TelsvT1am Calls I 'i~u 1::0I1."I1IIQ ..nl'. ..~:hCH!IIM"N,"N.\srta,~nVl:llits ;mlr ". a~Sf OJ 111 m~L~a 'C in~ ~m~ t:!Sla~ 'to ti'll;Qnl~Qr aiiC'e1- l:t::~rd ar ~lf,~': Ql ~QtJr 111!lpll~ne=u::::r.p;;!3at!\1i\:S m~i.. <:!,Z,' ~l~=r""'I1':"~'~I"'Jl:=- '.'I"!" t;. . , I 1 ' 1:1. .... "'- ....1< 'I.......'" , ' tne J$.p.rese.n,a~\Fe! 04 ,jl'l1;'Jfln.I::.s~ ~:;miJanl~!. .:..: Cred it 1=1.1110 rtf fIg .Aye;nd~s r'\~,: YQ~ Ju:h~)f:~ Maflrl~m:lfc.:a 1Q ~~iI~~ i~fc~ms~i;n ac-o'J't il":,l~~:t:: YQ\.l: lncludl.ngc:-1Sdl~ T~c~sfrQm::Qn~lJma\'rsp~r:tng ai~nd~ 'Ilt~?l . I, y<:~ llelWlliil W~ }ml;l (~Ii\lsned In",ull.~~nnc::l11phatl !~~t . 1t1(~rmlt!Q}'\;b::lUIP::l~Qryll.lt aC::Q~nnc a<:radi~r5ipcn:l!1l t'l,J!!:. ~~enc.~r, ~Vrlt~?~ ~ti Z'~hNA,C:!;dn: 1\s~c~il'1~ ~.i5n~lesl ::.0, .._1~~W E1~ I 70'4.. \VI! rnlnel~an.~ os 1 9aS.'HOiG. Fime 1 r.~\ ~ci. ycu ~.: l'ia~e.ad~rsl;a:, hC~1! pnQn:. n'!Jmb~r, ~rtd.~..:=cunr nvmb~~1 _ ~': EnOl e~~I1a In '11(;.( yc:;u "ell,'!" Is tr.~e:um, orincomlll.te. ':"""[i. 1jf.,..., ,~~0 ~" ':l1:.""'~~' ti1 ~~~:;~ rmgi? 'tjor..,.,.... '''':~:!1 ~'-sl }ILl1\' ta U Sf! VllurAaGtmt "Y c:u miay Clbt~rM. c:a~It.!I\ th(1 t;:m ~! ~IJ:c:hs="S~ an: Cash Ad'1anc.~s 1:1 t..tsl:"i!1i YCltJf ~3:0S, ~~~~~1! c:h:~h~l ~t::QUl'le r'ium'" . 1l!l1. cr Qlhs( ;:;rsdl~ 'de~i~la. PI,m;rsl.ll.I.tQUI i'\~q~ir~Q F;;cilr~t ill~,I:::sYrea Q1Ini!ia\ O\,,~I"~I~ IQQ~lam:ln,,\Vhel trcn,~a,l~~lQns cQna:ltu't;'; Futl;ha5'e5ar:d C3~h Acl'lan~!S anQ h~'11 ~Q.lJ may Qb~aln ~h'iTi, -T-l'ansnc:tlallJ:;:,a~ far CerfA11l Casf! AJ!VQl1Gl Tn;; ~rans~~i::=n c::.at, r<:r ~n~i:.\"C'.'5ir71~vw.~as-lncL5;;lar 1niiSfe!s dQilS:CY ~~~ ls \~.'a ~ata,~Qu.or th$!~t!t~Qn t: ~ whem ~i1~ ~hee:l': i. Tl\,~e ~ly.:;ble fim~i=o.\\. er<3.hea ~,. =hl~~, The tlat1ssC:1:lcn <:a~l lQr~ Tal~rll!ll ]l;rmen~ Iwhl<:~ ...11\ fl1'~ be =las,{fl ed.'lS :I 5al1k C..h,;,Q'lancaJ I; lh.. da~a ~hst t:~; c:orre51;:t:li dl"~ j:le1msnl pO,led ~Q YC\l! !~:::ur.~, ?'JnOS2~ fa1" U;;i'1lg.Ycrui'Accdllnt _ '(C\i may U;;'i! YOUi ;iC::::I~iI~ t:.:r ~:;r5'Cnal, ramUSr Q: hct.J$:!r. .c~i~:s:a:s. YQIJ rr'~J' i\::~ us,~ YQu: s:::~ntr-:r 'c~!in!:s ~~ 'i:::':'I~er::i;\ ~\Jr;Qse.s4 "(Cl.l may n:t ~;S a Ctt~t:~ cazh _ ,,~~ '-,I~i::'~,:~ ~\'w ::;~er C~sh A:;'iaLii;:l e::: ma'~~ 3 ::SYi'M.eI:1~::~ ~ht$:r ar~y ~::~ar o::~a-:i\~ ~::::'J:'".~ Wi:h ~~, Y~I.i r.;iI'! 1"',::: lJ$~;i ~'ari:',i~ :rOlJi ~:-":'Jn~ to ca !..t~s.ti ~~ m3~s sny lH!~al ~;li'\~~- . Ji1\'i: J~~:: i)ll~.~" ti,?jf: r~~! ~,.~. ~{~ ~: r-..., 'I"~ .' ., ~ ~ --:~ \ ' ~_ .-,...a... "I '{I::'': ~~l7.'\ t !lii::' ~~l"~~ii ~': '~!a '!':I.;~ ,i~;t l:'-:~;:;: "".'..-1 ... ......."... ':"rl_'..o d,' -.. <.:li" ""~ "~",,..u. "4':':"~ '''I''~ .~~S ~,~~M ~n-:; ~"""".\,.ll"""'''',:-\'-' '1..........1)....~,....~,.\<\1 "'1 ~..... g ~: ;:;::~~lil ;:~e.n ':-:"" ">':~~ !~:T,r.~.~,l'~'..! ,lti',':!- \~~:~~ ...' ,...,... ..., . . . Fmolls Using Yaur A,,:ount ;}~~~1t{fo~~~g(;,I:~\~~~~)lf~i;\~~:~?ii;\) ~:l ~j1; .:;:.:::!,,'r'H ;.:r::~;.:, H "V . J .... - . . OV,.' IOt~ rJ~aV ~~ap r~ym~n: an an ,iI, ,#...........C,'.,ar'~ ^~l..t;.:.. __H You (ii;i" j~~I":~;~ a ;;~:~ ~~'fit~;~\ an ~i! l~:~:;; ~~.~;;~:y ." ~ravlQli1~ 1,('; ':r1~;'1 the 1:::$1 ':;"',;::,\ nt.:m::;:ii c~il:j ~m~~M, ~\i:: p;:~s .i~ai:~!1;:S :hr:'i cppe~f Ci\ :h~ ;~:;.r~ i;hsck.. Ota!:nd wrt~ten .:W:;: ~aym;;n! lS';!.,(~~~ ~n !i1 al;:~; tr"e~k fiS iii~';:rve fQ~ six mcn(h~ (rem th= da~ chq' \ve pfz~;;, Lha 3~=~ ~ai'm1;jl~. . '1oil May Not Postdate 111l.A.ai!U Cned! Yqu m;Y nc~ Issu~ a p,cs:d,(ed aa,SS. ci:s~ Q~ y~ur ~~CQUr\tl It ~01J cic PQ3tQ:W: ai\ a,:~;; :ht.!:x, we rn~ .q{~-:~ to hQM/ 1\ upcn p:S,S~lmsm ar murn I~ u~pald tQ the perlon 'IIh<;lllr$~.nt!d It 1C usler plyt'it,ni, without. in eith.r me wa(tln~ fer Ih. d.le shewn ~ ~h~ a:m. :h~,~. w~ <mno': lIabla 10 ~eu lot any loa, or !x~!n,~ li1:umd by YQ~ adllns cllt oi lhs a~len W~ sle:' ,to ~.Ke. Your Promise ta }:la~ You pItmr;~ tQ Fa~ us th~ am::lunts of nll.cri~lt:lQf.! . Qb~al('t. wht;:n i"~!lJde;j aU FLJil:haieS !l1.Q ~ash A~':~li~;~1 you ~1,o Jl~mise Ie pay Ul alll~e !llICUI'Il,O! i1n,r;:e (;harie;:f:~~, and any Q~h~~ tr1l1iaC:;QitS wa i':ha~~ .aa~lns{ vOllr a:teunt. . . . . Pa!}11li!ntsaH Your Aaat!.1lt . 'I'OU mU$\ p.y ea:h IMnln it Ie:!.. Ihe 'iar.o I Mlillrnui:1 Fafil'leM Oue aMown on yout monthly mmnen:.b'ilc~: Paym~M Cue Oa\.. ';'QU may pay u.e mtlr~ a rn:~nt llU ewe uo al ,M tIme. ?;vm~nll maaailill1)' btmn"~III,.mll ;m ileal!!,lhan lhe Tecal Minimum fl!i'm~,"( Oue,wlll ncr ~fle(t YOllrcbli~l:lon 10 mak~ th, M.11 'ratal Minim'JliIl"llmel\1 Due. il yc~ Qver~,Y or il ;hele 11 H"~lcca\.~ce <:n10\l; lC::ount, we wilt not "ay InlSlllt on slloh Imeun:s, 'iI,. will leie~Fl!ymentHh~tal!,nat~i.v;n In !-l,S, dQII11ll111~ the." ~rawn en Ilnal1tl.( InstltUlllm l,"l!tll: cutlll~! (h. Vnit.1 ai!~~l'(tn1llIt~I-~<:u~:ltl:;j~Im.~~~ymlf.\t Olf mlj nt::l~ Ivc::icfms ~ue5;iment =( O\l'$r~h:'Ut, i'~:;!!. . WEen Your PaymSl1t Vim Ba Credi(eq, to Y Q ur AccQUllt . .:: W!f ~r~dH p!ym~Mt~ U Qf the iat~ r~~\veQI ir ~~~ ::a~l;nen~ 1s f\ 1 ~:t~~iv!;d by :,~,iill ~e.;s;$rn,nm~ll t~l r~~~l';e~ it :h~ ~~:r~;;s sM~w" i~ CiH lIF;${ !ett'liiln~ :':m~r Qf ~h~ tfcn: ~r \~.~~ tu:nt~i'J ~!~'!m~n:: \Jl ~ald with a .;h~,~ ~li'H1'\ I;' lJ ,~, ." , 'I . c;i1ar=-:n a V.;, tlmHi~I~ ii1s~it~:~'::n:r a \.!.~.. ~:Ir:.!~ m:iie~' :I~;r: ~iia 141 Hi'l~ i\'\ U\l re~l.:m ~r\i';l'~~; wl~~~rJ"I ~~~ ~':;! :~~!~\, ~r :~=\If S~ai~ii'i~nt a~~,;~~anYli'\~ I:. r:~'/~1 ~TI~; r~'~~i'/~~ aft~~: ~.m. '~n ar.y :;sy, ln~~!.:~l:"li ~~~~iY~~~~ ~\.l~ =3~~, :'.;~ ~~~; ~~n~r:;l;!~ l:"ia'5~ ~h,a a:=I~,! 1'a~1..lir~ii1Sni::. wilt '::~ ~ri.:H~c ~~ ~r lh: iI-e~: ':!Ul, C:~~l~ (Q~ 3.rq ~tii~~ F=a1i'Mr\~s may ~~ ~ thZ\!l.d IJ~ ~: 11~~ ~.a'i.$. Haw \'i~ ..1,ilwt. Your ?al!mslits Wi '~lH ail~~ta YQ'~T ~a~ii:',1IiHi Iii ~hi~a~il~! '.,lj~ :~~~r.':\t i'le, i:\ m::;:t In~:!M'!:. W~ ~tn ~\\Q~a.~~ 'f~'.lr ~sYi'i';~i\~S \~ :::.~!~n~~~ 1 " '......olll...~..1 !t"'''' l"l"~' I...... .... ..... ...... . Un~I!J::tni i\~;r \.;;all:=.I,I,;i.,a 1"ll\lli'oi;<!..1 ,"ll':'i; ..S{\;\~ ....al;;,ll :$; ~H~ M~hU A?~';l rh\t '!oft\{ :~alJlt in iiiW ~lt~~,;~ w!t':'\ 'l:v.;$~ . "I"'l,'ul'~ ....._....J'..""I.l....~.J'I...I'. '.. A,.~ ~!lJ~1' 01 Ill" .I~ "I 1"1'01..1... ....H~ "i'" i'I 'f ....1. .~s:ti1i ~.a;... ~ '. ....;.. ~~r;t: :i':': ::'~:~~t e.;::1;::r-~ g c~!I{,.::.~;, !:""".......!..,..;,.- 'O...~) ':...... fr 1 l'l. \ t<JI;\tJ~ l..v ~ \.;~ .........L-' :i,!.:::, ,0 "I j'=~_I'~J" 1t~if.~if;:E.~~~~~~ ~;\i~1~\g~~~l~f::~;~;, "'~'l'''''''; "';..."..\\....;1;::;: .,":";,~n~;l \Jr::;t ;:;:Jl'~i ~~~ ;a..:~, =::~U=; :.~,;:~.~t:.=~~l:~ ..:"::: 1 i :: ;;j;';~~ :';ta~~I~cil'~ !J,nc.;.' :rl'; . ;,....... II> ll';; i'~ 0,.;'=..;\ [:0.. l..!ii"i .::h~;' lJH. i'i~ H'~",' .r~::t, :;r~:li .:r p:::~Or:.; rs'P~Y~ .U~ ms ~.::t.:;i-~L:~~::ii d::H ::;;1it'i::;'~';"~:: ~:: ~~ Ciori~ ~iiii~ uiicsnh~ tiu'!ii;l"If f:.,(:: ..:.:,.;~-":~,, . - .J.....o ._, " ... Oefal.llt You 'k'iH c; i;1 ~~r~ 1JI~ Q'iN;S .A~re~rr.;i\t ill! 11 ~elJ fail \-: mak;;al'l~ raqlJtre;1rQ~=I 1\1i~lrnum r=5ym~r:{D!.l~~'l[u r~'Im;rg Dus O;:~: (21~C~i~Q'tal Q 'Jliil!.1"'lcm$ b;lan~::;;::;::~~':'s ;{QtU :r:dit Iiml'lol (Sl yatJ .:iI:Q"bil.b'Y.l1l:l(~~rtlim ~iihI. p.;r,.em~n~. '<:'lt~!r lc::rtr"epul"?clOS: el.:!etllmlnlnl ell~ic!llty lnd pr;mlurn I=\l)m::r.!' >:::1bUI" tl:nll !cl!he op:lcn,1 <:l'5!/lt In~lll.n~; pU'l'<:h;led th "I~~n ,\161'1", yc::u will cBll!emiSdln qsiaull or ~,linq~"'nl ~f' YIU f.il(Cl rnak'1! p~~n1lrlt wl:hln $0 cay.cfycur Faymel'l( CUli:la~, OUI faUm lo!~er<:ile !ny <: Qurli.h~wh",nlQ~de.ra~l~ I!me na:ml.nthl:'lI~.r" U1'l.~IH'= 1l\<!lr<:il'i ~hO.5Slng,h~l.:FQn 1,m; C!lilljt~. . Wner! We May ~:q1!lre lltH1t~diate FatJm~1: l(yeU tr~ t~ds:fsul"':"Yf~ t;~1 re~ulr!almm~di~::; p;'1m~r'lt Cr~>:1U~ tc:sl Q~:s.t!i1'l=\~~ bal~n~~and,q~l'i!~~~iQhrQH~d OJ' ;;i=pllt;S '~le law!nd ~~~~1: as Q':heNlt$~ ;:r~'I!tJ~=:i under ~h-a Alallrat 1art ah d Ulr !i~II,", Ii III <::Ian of thi. Allre,man l, W'S an a!::g r~.c:~lrs ~lo.U ~aJJ ay~ne :~sts W~ (n::tlr In arw cQn~~lQn "pfQi;~edln~(, ia \Solin ;a,..s r~ascnabl~ attQ~n::'1:' (e=.".3 l! w! t$f::! ~c:.lr ~=tQtJn~f~:- c:;:a E~:I~n~Cj ail at~Q'm;:;1wh~, 1.5 fi.-::i~Ui' ' ..I"rl...a .m_IOrEl, . . Othsr PaYnJe1-1.t 'Tenm Wa on =~~~~elat,,~ ~.!:~meilt~,paj'tl.al t=:'1me\\et. cr~ay" m~nt~ ii'i:h iii''''! r~:t.ril;t\v=Wri~\il~ withct.H leslng ~ny oj Q'Jr rl~htz unde(th\lM~rllem.n~. ~hls maawhal 1'1';: pa1me.n~, Incl1J~lni ~hOll':l mar~eQ wIlli "!';lid In 1~I\'~rwlth _n1 <:tlw l~.:~i;\t~e wc:m:., '" hatl .;:;s;;\\. n,n atmd and "Olti,(a<:tic wiln':Ut tl1l flri~r w:I.."nIFl\lreVlil 01 tli1,al our siSl1lcr ,,111~ y::~ IMY nc\ l':l~ ;s ~o;"'~!ta~ \nS~1 \>.:l mak~ a pa1rnant. It . -'---,.o~--dQ-?cs'Q.at: a ~a"';'m~n~ r:lt~I:.~'Me! rn~y el~ce ":Q hQnQr \ u~~n ~r~IlMma~ lor ie~qtTtil""'l\(I.a1t'Us..the ~er.<:Jn '1/ ):re.!\ited It. 'IlllhQUt. in elthU ~lla. \'Iii\in.. raR1Rdat: sl'.c:wn onthe ~,~i(. 'Y/satanet IIl~la tQtOIJ l<::r any 1:1:;1 cr .' ~;~l'\s~\n~'J:n!d. ~7::cuui~\n&~'Jtat~h~~~icno.;..:~<ele~tQ 1 pu1Jl1lentHoHaaus . We. may aIlQ"\}oJ;Q. tJ,lft:m \\m~{~ tim,:, ~Q ~ml\ a m~iltM CI11':\ar,e. w~wm i.<:I\1;r VO~ wn'i1 Ihl. cellcn is aVQ[\:b\~ V~lJ ~mjt ;a ~=~TI',sn ~, IIn~il'~ ~hu$:1; ~n~ ~jl:.r ~~~!\r:~Iol\~ will a~::'.: e :rl ".Jcl~r :a~:~Ul'i~ in a,:~:ci;I1':~ w\t.n ~hi$ , . 1 ",'~' ,.1~i~-:.m=''t''lt. Y~'J i\PJ.S~ ~~l\1:":'\~ ma\t.ll"l:l' ,;::'~r 'rota l'~\l~~\ \,. . . " " \....J ?'!yrrm',:' Qug, ;!~::i\ rn~n~r.1=:\I:',;'iii\t ~;a~~mem II>:: \10-.... ", . ~, .':~~/ -...7' (tli':~ .~1." 1.... , , . ~~.c.~. '..... ;:", '."~ .' .' " .' . ". .. . 'l'l'(1l1:;actta1't~ Mad. \11 Fmdal! Ct.l.l'tSltc \t I{::l,. ii,a~it := ~raiis:a~~;::i \1"! !-Cj~i~\'\ ~":ira~~, t~~t~.a~=- ,,\.< " I "I'll: 1 ' 1 . \ ~ .,:!..,....r 'Htl ~-;. ~':~'t~:",~~ =,: ...a ,M~~:'iIa'Mii~{ ::~ (..\!~h..l....; - .. \ \~~~cr.:=.~\~;'\aL ':'-f.~~:"'i d~;o,i ~l"i '~h\,~~ ~ar~ yo 1,,: use.. lr,\t: ~.. ......1\... ;a_..q".4 ~~ =..__...;~.....,p,!\\'~\loi ....:i......i..~ r~~!J\a~.. ~:~~; I..~~: ..~:~~~:~::~ ~:\~~:~~ \:. ,'.~" ~~:.~ ~:..:; ,':~ '.1"~M 'll..."~:!!,.:::l..),, ..I......."... I ..'a \1, 'Oil....... ;\ H... '0,,,,... ',...'t ..n , ,. ',,;!t ...,......~..,._:.; "'''''=S:<''l:4\\I .""11:5. "'.IIC~"J'''''''e' ~.... =r:~~;;'.. ~ "'(""40;;:;''''' '-....-... JI 1l1......l.;.I..... ...,1... .,\1'" , . '.. ( -.~l."I"'::I. .__......... a. .." ....~.._~ .."',.......:.... .~.-= too (",0:1 '~i~::: I;, ~;.I ......HI... .............. .....,.... .....,,'.,..,..,\ '..... .......- . , \...: l.i.. I,~ , .l~' . t.~;~ "~ . ;, ..~;~f! .I"" .".'\' .:~....~ ..:~~ I~$ l'~ t~: .u~ ;}j ,;'~~ : ':.:t ~ '"' ",~'. :'.JI , . ~i~g,ii;;~1~~iI!~;J.t~&~~i\1r~~~~: .th$ :j;;~~H\i,t CH':: jii:";' :Uis: [;:;7, ~h; r~:~ \1'1 ~l[i'::":;J {~,! .. ~.. "'1"'_ ,,;;... .... I'..: '',''!::If,.: ..'::~<: ~ia:n<l:'-_. '..il ',,:;;';' '..., II: ~.....Ol,:: ....... -'i7' ..... ,. bl ,if1g qw; 'l:J!.H biJJiii~ ~"d~ eJiC: ;;:';,1, m::~lh Cl"! f'::/c~i'iii ':a,:; , . 4<' \.ol ~ ......~ 10.1...... ...,.{.:.l"."1 -.. ,'. ".:... ..::.~, , e~!5!mlii:;~ '.iy !J... :',':'-'' 1.01 ( I\\!; 'of:'; ..:;;~ 1'\: _1\ 'II~ \,(:::.r ':i"~i I,' ....1 .I'~ .... -r' '^" "r'''''''' "1111- ...,,1. ...\, .,...-... \/1;... 0;; liS \.i'~'.;; "'. ~li"';-< ...ll';o"'~.' i::: ,"}'oj;;. ....;;:'.~, ;,;',:Wi;h'. ran""5 . ,in,l" i;iIlin~ (l:ti!, Account F'e~s and CFlarges A;:;Qunl reSEl Th~ CQllo'H'ing {~~~, wi'll:;' are S~~ fQ'r:~ in r~lJ: ~ec;uire:l i'e~erll Ol,~l:eures at InI\lll Dj,:losure, !ir"h.iid. ;, ?ur,;,a"lln the l::ll1ln. 1:'111,10 whl~h Iha 1m 1l<::.'Ua: III a l.al= 1"1= Ifln, 'i'~111 Minimum lla:ll1\afl( ~~~ IhQ'lin~n fQur ;;Ir:ln~h)Y mlamen: Ii! n~i l~~INa~ by us on Qrbefol1 it; Payment Que D~ts~ {21 ~n OVlrllrnl: Faa ir Icur Na'll Salan:. 'l'Q:,,\ a~:sedl yo'.!r ::adit limit Qn the 1.,: dayal. bulln,'/,<:i., e'lSn if (m CI riMn::; ~hUi:; charged bvua ~au;e YOlJr New ;alanol Telal Ie l~:ed ycu/cradilllmlt:an CYullml: 1'1.1" ch';';Q to 'lour a~:c'uilt alor in, aayl:: In. i:!lIIn;! ~ide Ihle in. \~\al QUI.llnotns ~al.n\a cn 1cunCCQun't Il:ai\QI ~Qur:r.dlt limit: . r31' 11 R$tu;n~d Fayment Fe~ 1r a ~;'Yrr:snt t:n ycl.t~ ;~~:~I\t t~ reluriied!olln;uflicl,r,1 fWild;' or I'll ailY clhar nm:n,llel1.if . i~ IS' ~sld upon au b~~11Jent ~ie;~ntm;nt: 141 a RI~liinE~ C)llhMvanll eh,::.: ria L! we rS:'J1n ~~,~,", ,ns,k ~nFaiQ lor .nl rsa"on, S'I!n if lha <l':.,,,,:; m.eii';:ilid u"Qn s~!:",,"uei">l ~r=~snlmanlJ ' ~ '"I . . . \ . I {'l q CCpy F~'! tet i!en ~=~'l era mCiitn 1${;t~m~I"'.iol $~ !S drah, e11;-;.p:t tha~ thil. !!~ mcst r!!~ant mCHI~htJ' ~t~t;;rn'n!.Sl Q~~ sl~ sal!. <it,ll. willea Fr~vld=~ fl:l {1!!a~ an~' . {el an Annual F~= II 1QIJ! a~cQunt l:~p~n or 11 ,ra~ nilliluln an aCCQUnt ba{an:~, wlle(h~1 yqu h.1S ~Iliv" ,m!lI~1 Fl'ill- Ilo~QrnQI, ' Ae'ndcnad.rru~sl'l"( Ch~r~'a:;: Unle,s'l'll',hibill~:'Y , &c'QI!~ble law, WI will QMr.a~Ql.lr ,:acunt, ol a l=Y~na.I.Ir::ir ;n~t;1nc:JfT~~..b1-'JS..1QSQ:Hit$d wltn =Qrn~l~ingwi,n ~:~t~ abandcM~'PIC~lll'llawa. ~l:a:a r:view your ~a~:.il,d i'~d~ra\ Olscl:lur.l,r jJlj~I.I Cis:lcsurt [c! .~dllienal,aea an~ Ilial$el th.~ mIl allill'! \:1 '(QlJt .a'':~!Jnt. I '_ EI'.n enl3 w= 1i'1:l'{ ~H:!: ~~I.J ~!j";ain Qa~~iits a;1~ ur/l~~.: With ~~~r . .. ", ... ... "")'} ....~.....::r.:. ....r: i ,"'.... l"'Q<:_ql'\_ .. " -......1i~1 IT-:--,I=>:~ lt~"I?;:a ~ iI........... 1.1"1 .. ~ 'Id~ ~j.....fll"Il'J, :::lrtl ;;..........1.......- " I.... "'" -w":' ....~~{i~= ,"r HNlt;~~ ala. n:\ ~ Qa~ 0;1 tt1t% .~~:urrr~nt ",qt :; ", ~:".. "; _"''' ..tiI::1....-.l... ..... ". .~I '\"a~:::s ..il- ~'lI ~.J:;:.,~,. ,; ~n= ~~lIl1S .-n... 1....ill"..""n;:; ~!.l~\H.'(~l.O n '>}I. ....r.....;..; ..(~.. ...~. ,', ../:1,,:"1 ,..I...."'''-~~,...... ..... ',,,,. ...,f ,...-'1 ~'''''~\lr~ ail: ctn;!'..lll.I'; ..."'.."'111""..,;; jwI\={~I.6;C''of /..... ,1"'llI ..1....1, \0 ' jt '\'-N\ , I~f '\... I:: 'In-o. :"lv,:~ -~" ;,;al,a!. Cllf\~1 l""> ,.....liarl~, 'l"I~ iii~Y ~ 1/1 '\00 OOi . ... 'I~ '" ..:..' ", ;~{lJS~1 a:~,~: ~!I~~'! Iof~li~l ...~ .n..... ;;;iH~~ i~ ~i,'f \lii.~ :?1n;:, wl~""~\I: M~~i;l~: y:!J. R=r.ual to Honor Your Account Wa ai~ r.~, lla':l: j~: any ~'ir..:sall: h=i'~i'Y~(,lr H:::'J~~, , \ I ""1'1,,4:"\"'" \.,1"l"'....\I"II(,.........,J .....-....".... "11,,_.'"0.::1" ','-\4 "'!!,i\ i\~IU.':" 'I, ...a ,.. 1,1001\"'. c.....l ......'........1 ~........Hlr. 1'.\\1.....1 ,,-.- . '"' '1'1 ' ~r ~ntJ ~t';s~~ wliW!J'!, ~~ yr:~t ;~:~"'li.... '?~ i!:~ "';~~ i 1:.:1 j';i . . .01' .....1 ...... 1.- ."j' """:ill t,......... ", ..." any r'!(~n~l-:r: >:1 ~""I "'~I" "eo; ....., ~l. ....11.. ....l'..,r ....l -~11 -=-r""\..l~( el.:!':-:~~'::~ ~el"l\C:~'!1 . ..,..... , t"..... . 1 .... ".. ..! )~,~ 0li, d'.l =:. !I-:~~"1 J' 0 ~ r"{ .~.. ~... I = ;: '-'...... "",...,.. ~ J.... 1,,;'" III k r . I" ~.' '111':- "" V.it I~a; :'.:.s;:~j'l: ~::i -:::::;:: ~.,::w ;"~~;IJ"r-. ~ ~; ::~h;~~=~'~~ '::. !...!.:n!ii~'.~e..!.:5~::~. 1..u;:-::'.:~U1':", w;; r'" .J..!~I~:. ~~:.f:'" mlll~, 1:""1=...1._...._ '(.........'..l..... ;,I[ ';-OO""-":::'I..d\1~l;;::'i"." ..., ~Ui I;::.;.;..j\. ...-...;.. ... l-!.:t,,,.IP........ -...-t'f.-...- . . ,... ~{.1;;~~~nf~~~.~7;~]~ ~~i!~~;~;;~,~~: :~;~J~r:,;!;~~~r c~~~~': " YOil l''i'lau cl.-w "0' ,.'.;.,....-.iJ' .. - .... 1 ~j,... ....:( ~ ~ y,"!.! 'i:'J"!.~:~ vl'!", -...,,~ ., ~. I" . ,"', ,i"J......... ,'1"1 -n'_\,JII'_"N::~r'jj'\::'1t':-<\'''';I;'!'"'-'''~:'' ?".~""""'--~d--""\ ..,.... II ' '. ..'11'1"'11-=0......... .;n-;;..II....lli: 0:;,1-. :;;;;;.~.(...l '''i ~ f;;!'~~ =.-"1:= ~'1'::-'''~= .~,..: :.,. _. c.-JI" ~..,'__.. )'....... ,. ........;-........ ..,...."-1..0... ....il:;., l;'~" ~:;;.Il...;:.~ .~r\ ".fl.::::::' ~:~l....:r:t. i' ~pr,:;;,'-!i'~"~'~~,: "l"lJ... .....;.. '=r=:-.:~~ c.......'. .', _ .... _:.. ... "'Ill'.'.1 ,'~ '.,1.1\'..;\ 1,11''::: : ":; .._Ph... ""i{C"h. ;'V;;ll ~l~:r :.'C~ ii E,V! ~C~~ :hh. 'j'rmmctl'on.sAftn- YClljl.~CCDUilt Is CZa$,sd Wh!rlyo'!,.Hac~~ru';e. is c..\cHd l'~U mi ~~t t;:"\".:!I'" ~,"V""r.'" ., lIoO'!~ .J.. ' .I.... .. ...1,1 - I........... ilof.lU ,..;'o.I.c~i\;Hi:t.r.in;;5~ft::~nH~ y~ur~~..~t.tn' :llC;L_- I"'..~. >=, e:=. . 11: ..' ~ ..... I hl.....~ .. -"""'I il::;,o:- ':....In.... "'..N\~...~ i.~~laErs. .'iS~C. ~~b~, t:r lrmu~i'\~! :Qmp~nj:: TIi~.e 11InS,,~I<:l nHiI<ay c:.::lr.iln 'U!IC b~ ::h.r',<:! :;: YQl.lr moun! ~l'!~IIY';I'.I(h" n1l~ l~l 'bllYnii. Al,o, H \Ole b,lls'>'qIQU have .a1.lthQ"ll~cl. ;wa 'Msar:::fon I:)u~a a':~mptln€1 to U;e' 1QUr a~~:l.Jn( a{;:;:r7o uhav~ r~~u!$1.ed tQ dC3se th; ae::Cl.:nt, we m.~ allaw ~n~ ~Nnl:S::::ll\l f1 \l 'b<<(!Hlria~ ~Q Y:l.ll ac"QlJn~, We. rot< i{ A 11lmd "T1ii$ Agrement Wa !r.sy ,mend In Is ,,,",illlarna\(ll \ !nl' lima. WI msv ,mend ft Qy ad. din... d~1 e~Ir.~. r:;{ ~han~In.~ :1:vl.lers 0/ Chi' A.r.."m~m; \Vhln WI "'rnmllhl~ A'il.m~nt yt. Win ~--,:;\, !'h" - II 'I . .' . - ., ~-"'~ , ~ 101 ~\IS: Qpp c:=: a nct1t:= ~$~Wam5nls Qrrac1~rd and' !..l,~l~''''~tr; iaV/ 'Cha~ at r~ In ~~fa~at th.atUrna. U an ;:im~nclmsrj ,''I~. Y~\1 th~ oPF'=1"Iul'l ltyti:l i,I.:: lna ~.nila, ,r.d 11 :leu n,I"~: (n<< (hanlll\1lhsa manmr lmvldld In suI!! .mel'ld' m~il~, 'We may t~;{m ir.a1;.~ SQur 1["Ght t~ r~c;IY~ 'l';dit and ma'l .~l ~ as-k 'leU ~Q retum slll::i'~dr~ ~:;yt~.~~ asa'::=ndit~ci\ c;f~t:ur'''' .. ~':i r~l~e:iQn.. 'ih~ amended ';ine~rn~nt {in~!(Jqll'ls any hi~n~r"\'~1 '.\~ cr ;:In.? hi.ns: cl1li!/~s:s :r faa.1 will .;:Fly Ie the 1Qta\~eu(- ' ~t.:;n;jni 1:~\a:n:.:~_ li'l;l1..:~Ini ~h:a ~lil~n~ .a~i~;tns 'Qet':H~:h~' am'lnQmane 1:s~t:nre ei!ff~=~iv~ WIi -rnia" rep!3t:; ~Q'Ui' ca,': wil' .,'. llnc(\1e~ ~!rd pI an1 ~ime. ' We Mag SeU You.r Awunt Wa ;;Ier a\al'l'itimiS. ar.d'.'11th~l.lt nCII"!\o:r~~. srell, all;i,1 =1 ~j3r1Srar ~Qu(acc~\Jn"t any sums d~e ~n1~t' ac==~n'C. this .~re~m=r.~. or <:1111 rl,.lnl! 01 Q'Qliea:len, un:!~r :raul lIc::1.lnl ~ tl'll. ,"'~r.~ment Ie a ny ~ .r,Q n Cl snti~l. ThE person or emll~l . ,0 wh':l?il'"W~'mah~-o.i1Y-5!J<cn "s\b"a,i.nm!nt <::r man;!a. sial be at'\~it\ed \0 all Ot cur n.h:s !n;:Z~al1iall.;;ns-lJl'Idl:-:hi~:_~:- NjiSei71em \0 th. e;o;t"n: ,o\d.15:;I.~ad ol,trailsi!rrsd, ~ . . YO-Uf Cred it Limit " . . ,;'f . ';'<::U1 c:.r,ci: limit i, di.c\Oil,ti \Q 'a~ whli\ yeu re:aivaYQUI ~rQ l\nd, iSn;r!I\Y, ~~ t!.~';i mcn'..J~lvi~at~mam. 'J./e m~l ~;-.\aM~~ j'Q!Ji" -:r~~\~ \\rnl~ In::m Urna t~ ~!rn~t ~. . "h~ amc~ t'n ~h ='N~ o::r. "i~t,!r in~Mth\v ~~t~m~i'\~ ,as C:;i'\ ~~ C;'a~\~ ~vii\~':le :-::~~~ \'\~~ ~~~~ lrm: ~l:::'1JM ant FU1';:h~s~= ....A =3$\\ A?','~n~~~, Hilan r:$! '::...,:u~;~, has, a:w ;:~~ir ~:an5~~lc,,~, ::~ ::;r!!!.: ~~s :ha~ ::~st ~--=: }'c\..u Q~:'.:l'it 1~:t the CtQ!lr,i: 'Ca~~:' ~M~~ m;Mhl'i ~ta-~~m~i\t. ;.~::~, ~:<iM~~.\Ct'lS ~~\J1d (e$l~\t \ t'\ yc::~~ ~t~d\l'" \imi':.. ceiit~ a-;;,r::u~~~ aii~ r;lN\L lr: ~h~!s :s~~;\:'l~"\ cf C'o/;dim t~ 'F-asa. \%at \"'-1':, ?\\ay nO lfYotl.A.tte:71ptto i:.~:.;;sd Ycrtlr Crdit Undt' -:-:.- ~ ' .1' \ ' ,.........:.,.;;.' \ \ l~ t:;~\ c,I,Jt1iai',....,i1 i,:! .al"'~l ~n I,:;'~; it;;:'.,,; ::I.:S ,;~.~ ''''f~ ,-",,' .:..._ ~. .._ _.~. _..~ '..", ,_..t ~..~. ....., ... _ '~I~ \\~'I. \ 't.., )1.. ,;; ~~ :am -..i .,a,. '...... - \ 1'... .... .H"C;; 'lil~O\ r.....{', _ ::....... ill'" I lo ("J,,", ;~,~;i ~~;: \.;:;:;;':~~;:~: ~i :~.{r~:!~;I~'~J,~:;~l~;~DJ~;~;~:~;~~:;;~ \ 11 1" :;:'1\ ;1. ~".. .11 ,,;\~.. ",.,'" ( ;,'<lI....~ I.........; ,1-., ,'>', ,..t., 1[;)\; ;"i' ~.~ ::i:i~ ~~,:?;C::~,:.~;~.a~"~~t ~r::':!':~; ::7:5;Yl~ .:!./:~}, j:;I~~~:;;:.'1 tt,;: 1-= I'....'; \I\~\\""'" ..,....I.I!II'h.." (1;11".....i;;;...i1 ',;J~;'..::.:: l;..~~:; r.:: ~~:-mlt !r!~ tnlIS;;':":\:~, .. ~ J........... --I":":"'!: ,':!.:~.-i-I"'_ ...::l,..... .":','.~l!.." ' fl W~ i::.!.,i:; \'-i "';'11' ~ Ill.. ~1..H"."'."'"f J:'~ Ill:'! .'.;lj;.lIl;;; , ,,__~...,....'..i .I-!~!t.~....~=.""!'t~.. .~:""'1'1 ,-......... ...."..~.: -:~!iCii Wil': ;;'1.:11';0'....... hI'. ,;;.~~...~,,_l~ .11';. 1.. 1:;:0 ",~;,"; j;t ....-;',,;, l'r . ~.-'I. ../"'....:-4. J ~:::'... ,i.-"...........~, ...1".... W~ rg,~s:;~': ;""';;jJ I . = -.1 \.-. _.1 I' ....i'-=.I....~....' :~ ::: \,...i ... I ..'''I'' '-.v :~"I:~~~ :,;'~ "l:e:~~;'~ ",u"_'I~" ..... l{-=""~l~i W~ iii::oV':C:;... ...., .".1,..,.,:;: ..,~ ,.....,...,. ',,;I':';~(j\ i,':: "110: ..I'.," '..~!" ...:,1 .....~,..~ l:":l'I.:::'~"~~ ~!~. 1"'~' ~,,':r. r....~"'.... Ch5':;o{ C-.':\l ,,,,;...I':Il~. ..." ..... ...1,"", {I_li..,., ,Jl... ~'.'..,. w;~ ":;::::ol : 'l. ...... .,.._..;......'~"'. t ro....., 1\'" . .....'... ' t:,IUO:iI:l~ thai (~L;:i ;;1.;' !i1...dl...l..ll. IUI'...;; "'<: 'oi.;r tM ....il.c:' ,,-~;;j "', .... I .. I _,"'!">r"~"'I:l" ....,ljOl .., . ..;-..... .. ACl'ari~; at Q; ,;ii';~ 11 all';'..., ....1 "I aHl ~~i1,.\ IIl,"llil~., It 'We hal~ ?t~vic\JsIY i=;r;nm~: i\rQ~ ~.: ~~~~'d yarJt~:a~!: limit il ~eU MI me"n :111.\ 'If. '/In Fil:-mll yc~ Ie ",,~,~cl,eur , c;~'r:i( IImll again. If we dil:,1dllQ p~iinll ycu Ie ~Qld 'leur ~Iedi: limit, 'II, maY =h~l~il an O..-erhml: F:e .3 pro~llil" Ir, Ihl~ Aire!lToilnl, . Ul1aut!tarl~MllJsr;: afYaur Card pI.sae nc:lf"~llmm!dtli\~ly.;;/ lh;: ic.., \h.~, ~tPQ",,\bla U1\OUlhOlllld ~'l or y~ur ,,(OUnnl t .i'iOa.TOHiOI. YaJ.l Must Notify Us W rim 'YO'l1, CJ.innge 'Yaur Mdress ' VJ;! r;lrie ~:: ~a.~p. aI:ClJt:a!~ ::acorC5 tor yoqr ~~:m~ilt and . OUlI, Tnl pClI em<;~ iln~ ~~h~r. miy nel)1'! ~l Qi aoh!inl" l~ ~QlJr.aQdJ::!$.. WheM YQU enarl~a yt:I.it" ~d~r~=~, ycu Il1U~~ ne':t f; Uli ~rQmFclyclleul """"ddras:;, wilat Law AiJ1Jlie: , T~ts ~~ir~~m~n~l t~ made tn Cel:1Wai~,. ~.,d we ~~:=nd ~:!dlt to yeu l1em C:\,wsrs, Tl1ll A<;1'ti!men: III ~~~"rn:~ l<y ~h. laws or lhe sm. 01 Olla'll.l~ IW\:hQUII:;~srd:o I~ ~QnmQ; or lew< prin::pltll.nd by eny .?;l\lu'cl. r.<:!er.lliwl. Tfie Frolll:iOi1S af This A~r=eme~tA.rg Severa.&k II an1 Plo'II,ten ollnls ;,gr<;\emai'o~ Illo~nd I: CS Imall;:;, lnil rtmllr,ina previsicn. will ~ntinuil to ;a e{l!(clve, ~Ucr~ightsJ:al1iii1u.s. " , Q1Jl la)~Ula Qf d~\ay In a..'\~t~l:S~ll.ny-~r"::~i-:l15ht5..un.der lnt, Mreamenl ~e~s nC( m~~,' In;\ we .r. una~\a ,Q .~~1~lea thaie tl.hls la(it, .' , ", -"- Ar6itratio!1 alIa Lltiqation . 'ih\l.;raitra\\cn and ~1\i~allC::\ ~t~~iilIQn a;;ll~ \: ;-ou, lJ"las~ ~Q~ !.ll~:~ 'ii'la~ -:.n~ ::;~;rtUnt~ \~ ~~I!c: tn2 .ij~j~:a.ttQi1 ..~... II~i~':~\Qi"l ~:~'Ihs\';l'a and ~Q\l ~l~ 1~ ~~\~~ ;h~m, tn th~ :;1 .....1 ".'" '<I I.... -a "::::l~UI'"<<~ It '/1'l<' Jl" ':l,'Qt"i' ;;([=_tul:ll,. "'~il.~~i ;,1't~ .. r.\5,IO\lP" I..."" ;100:'" "...."" ~ '-II,I..~...... "':".'~"'~{ ~"",1.r ~ Q(;'}i;\~l'\,1e'J a~ra~.: tt1at ~n'"J Uti~~t{.:-' ~r~!:sl'\L 0'1 ~;::'J :;,....'1, 'I ,101'" ....."'''''\l~~.... '''''\\ ''''~I:I-'''~' ...:.0:"11 '-- 'l.";n~. \1~ iO:O~':: n, ',il :. ;:,"'.... III 'OIl ~h.. ....11.....1..\1> ;"I;l '.~ 'li=l ,\ ," "";I" \ ....~~,..l11'l...... :::;..... (" 1-'- "'1.""i1t In 1.~~I,.i.it lC'-'i\-- II ~I.i ..Io;;'~~ ~ ..~ ~w;:;;r:, _ .....':1, ~ilJ ~!1\i:'\~: ;1!j:'J~1 ~.c:t!\:rn'l ':y ,{th~qQ~ 'e: IJ;, a~~\n~~ ..... .......,4 ~I..::l ;lI"'-I""'"C:" ..~~",f("''' "~.'--""'I'" .J,.::l....il~r -;: ~;j~ll\ " .il.. "'Ill~ ~."""I ;.~_.".., "'I ;;.il\Sl<~ 'oW '.11. \\1_ .", .... "I ... '"I:III-..:....'Oj... I, . 'M;A ':lla~~.:t"". .... ~~it.1' '!rliti''' :::n....r 1...,';;''0,11..11. '1111\; )/!'i .: ,\...~ 1'"':1......,,,..,.. .oj .... II 1'1 " m "".... \1""1. ........'...l\...;.l...~.. n."5." ,~~V;j :i I"'.lt~ f.,< _~ ~ "<I'" 1;I.........~1 ..... ,""'" ;lIoi.1 ;I "III', '1- ..",... .... ....h.."111 "......".......'1..1.....-"'..:1\1 ~t~~lJ'~,li'l..~t\il .....\....' ""..., ..-..... ~"..l'Il\....l I .., "l""~;"( .. \...... ...:!..l.~'""", "".:""'1"0.\_ ,.\\",(, ;..-\.,,,,,,.- camatU. ~ani'Il~~.' "I .. "j:~I~~\"\'\. ....\ :'t':' i.l:"'. "'Il~ ..j. ,H........"''''::;; ':'at-:~ :'~;He.in;. ~i1a a~;,l<:~,,! r; ~l ~,.~1 ,~: mtl.:n ;n:. . \ t'\~~:I;;'t S~::t=:\ .:~ ~h~ l't\t~lr/;i :h\ !Mt~'! ,~l!!~mai\~~: .... ';0". _<lP.... I'l\o!il',l "'-::I .q:""!,,.a,.o. ....\1""1....;'... .....'\1'....:.... ai1'l"J'\~T ,i~i~~l<l..ln' .H'... 'ooi...l....... .- '"I'''' II..llla ;.,- UOl'I..'1 , l". .lo,,Jl '\." _~,.: _ .....l,I ,', N..l ' !.~f''"t':''''. 'iM. ti~!;~iillC~ :Ill";' ....~ "..,.",\l,..\~ ".>I,f.. 1II1l.:r.-a\ ~.... ".01. ; ~:~!~..:.~~!'~~~1~;~;~:~:;:;..c::~,~~ .cr.:~~~~:,..!;'.;ii", ef{~.:. oS::' t~,~ ,;tii1~ ~I. ....,:11" I (~, L_~, .;1...; \;. ~ \"':.';iC rt':'.! :;( tt.e ~wl..;"':! .!.1~"'\ ~',:!!-" /'......- -...,!... _'''l.'_.~, '''1' ,~, .,..,...... ....,...." """\ Ii Id;:' '/ ..'Ii _..\~,. 1 ~h;' ;-.':.... '::,:.':".: r:'.' Q::: ill::!...' ~! ......, -'/:t" .....t ,.1..<:jt;;:;C~ 7-;,~:i'I,:fn.:t:.=....:.'".~~~:~~:,,;j~ ,-~~": ;; ~O;\~....llll-;'~\;':; ,j......~_.....,~. \..rJ...~_ ..'" _, l " . ..._" .....,,11 ~;';',\' "~,,:~ \,;, iT lllI~'7~ :" ~ ;.l~=, :Vi = i,~;'\~ HC'~.~i~.':; 7i, ~l~{l;. l..:~~~ :;..:~I,:~!:.. ::'1: ri~:! 1 f ~{l.: ~.~ ~$ u'? !~Il.::rl w; lll;Y .........(....... ~\\....,,,:i 11:'I....~.:.I..? i'"....=i.\.~.... I~ao~..::,....:.__, .::l'''':''' '....I~ _,......1......:.._ ,'.... ~"l ..-:.;; '.~"'-' :........~.,l...;;;l\\ -;'",' \i~. ",ji'_.~~lll...:;"t\.l" ...,'..... l.:i=": J~t-ii:"""~;' ....:~.__::...t,--l._ ~.,...!. .........._ ...,.., "-'" .H..1 'lI.... "")..1................,'0;, ,"'" t........l ..... :oli.:;;, d.-i ....,J,..!. ......;;:;,J... ~!I~~...Pl',...= :.w =.!,.;/....l.... :/1'1" I=:I~ . .. ...._1... _...,'; ..~ _ ,,' ',. . '......;.... _l......1 ~'..l\.il~ It "-:' ....r CI ';;-,\,uld ;O\,~.. .....:;;1 \ ::: 11= .e"f~~ r:'l'1.~ '1...!1 "'-'1 .... ."""1 d'~"': ''''' __, .1,_ ~I -ll:' ~I.'__ ' --~'. ~"'I 7- ~l':' ;""'7;'\:;:' 1........,1';-... ...~-='Il_ ~IJ(.:;;;...~~ \oa".l:.!ll,l.lilari.:\'t!r'''ii l't-= =...t...::!i.....t"lil .,:",..;,-i- \,,1-<... ".'11"'__ \. '1 ~ ....:... _1..\\I_'....r r:, l,f~'..,...;: '11\0 :'l:\l '.; tMlma\~ vm:::"""'l,:v"I',r:"I"f:""',"- ..~..-- { I 'I" . ......... .,.../11::.\11....;; !.~.=. n ri~~V~iir~.llyen.!~= r::l'~r{i':'-/ ':or:::m:"Ur~='~'1 ~""I."'J .. ~'~..r-;""- r'l\l-- _ ~,...' _... -. ., - ~... "., u ~I.. ..... >,j.. h" <;\'.. i;r_\."._._u I '.I~.I'=o """'uilr1 l..ii;;; l.o!n 01 n~!:,',','~ I'::!'~ {I't ::- ..._....1 :.... t. " ,..... "'= -..... 1\ _II -;;,.ll....lll ~r~a~;t tll~I" W)H~ ~~Ilr 'l:::;iJ~ ".:St"'~ W-::l:"l.,' !-,,,,,, 'O'::;::M,'\'f ...l...: (.. 100 '!.. ......... .. -.... 1..\. ~I;'l~ ~a: 1ooI=!~(;:.~~!V5d In .$;(at~Ii::!J~'f1{th lfJr's::li~lcr., ',Any ar~111l:1 o.nn" 'illrt~;;. .1"" nlch y;u ap,m '11m t"ke j:ll.~s W!t~lll ~h. rii!c!~1 jUQlci!1 i:l illll~ lna~ In~lucil5 Y'lllt blllln& adere,s ,\ \::allrnsih~ Clo! rnlS C1Iad, This .rblmtl~n ~,Ie,,' maMl~ maC:eIU~5iiUln1:toa lr;ns!!Q~lcmimr::llving imlm:.:e ~r::Irnlll,.r:: all~,h<ll!!:ts! ,o....eln"lC ;y thl Far:lil1il\ Arcl~lallon At:{.9 U,;:.C. !i 1- \0 {""F.:.A"-1. ru.d.gm~rnu~':Cl'l.Qny a:Q.i't:~tIQn av:~ni rna, Q~ mt'S{~d I~ arw:.c'.1l': h.a1jr\~ jcri5dit:~IQn; Ths . . arl:mra'tccshalllcllc'l: ellstlnl ~'\Ibm~~ive law to lhe e~ien( , :\ I'.l.~i CO Diliaten\ 'Wllrr tl1IF^-"anil'IP1=ll\t"lb\ee:aMes 01 lImilalions '. ai'lilahall i'oCMr any <::!llitHI:r lJclvile.. rli~o.nlled b~ law. If ,,:": a~l' F:Sr:'1 'eq~s.st't:51 th$;rbiz:ataf 1"'naUwrtt!!n !QpinlQ~ een- I ..~.,', talt'll;"l.~~pa ra3s.Qt'\af~:H~k;:;aw~rr.:. " Nr::I Claim lubr.1ilts~\Q albll;e~\1;mle hllHi~:r a Ir.rij; and ..,.jJ! lIO Claim m.1b~ br~1J;h;:: as a :lass .::I<::n or ea a ;:rlmiOl \1,;.;,' a~oma1 ~~il!ra.1. YQIJ de ndr. hav~ tha r1ih; ~a a:: as;s ~~:a$~ \~1 repie.senta~~~;; Qr?a "l~p.a~;i a; a m~m'c~f or a r.:lasi at .~;.t. ,i.lm.rils w{(h TSlj:lSCtlCl an',! ~tsirn. orhliM::I:Ta\\onan:l ~~1' 1..111~atiQi1.,;;s~t~~n a~:lls~eo all Claims MW1n',=xist~nt:;: Qr \~1~; I. 'I ' f . "'I/f~ l.i,\a~ m~tI ~'M~ n'tJ1::S' u~'\,t~,e. . . :...,.;j,~. .... ... '~'lII"" Tn I, Mclml1lln l!o"~ t..1ti,,:;;tlcn .i:;IQn ,nai1 i~r'liYa ili, ~~~~ ~illm\"al.iQ~.::1 yel.lra~::=uM, with 1Jl~. \lie!! s~ ~n" VQ\UMllr/ '~j;lj, payment =(th~ ~eb.t{il f~1I l:yyo~,.IW ~~n~:1!>::~{ 1:;1 you: Qr :~t} sat..: ef tlie~::Qlc:t us. " ' "~ P'~r :hepul'?Qsea'af ~hi:i ArQlt~a:1Qn and t...Itiia';ie~ se~Qnl . ~~ "W~~ ~nd "~!'. ii'l1!~ns MaNA ~mr:!rtea $;ltk, M.A.. It.spa1'-e~~, .\:~ :a\lQ~l=jalia'S. ~rl~l\;;t!s. n~~fl~;a5!, oredi=~~SQ'l'S, SI.f~!!$~=!~1 .\r:~ is:;ian~. in\, \l'r=hls~r ~IYr::l~l &l:::ut\\, and all;i ~illlr ~mC;=-ll, il:.. 'UreitorS, ~m,IQ,"Je,. "lill'.ll, al'od a~a\l~~ r:::lf ,n"./ and all O! ;",,/!. tl'\$m. Mliltlln..\ll, '~e: Qr "IlS" lh.1l mean an:! tillr<:! Flr:'{, " . j:lr~'1\a\nl <::ilw.rffir:<=~IIC$lS~Y::IQclu~.. i~ ccni'1~~I=n ~\~ ". ',,' lh. :aC~;UM~ ilnQI~d\il~b...~ n~~ lImlla410 ,(a~\1:.J;:lcsalJ>,=- ~r.~nta that l('::S1llany:r'ac1t d\1Mtillltue::l unclirlhe: a~Ql.llll, f"\'ll1':':;~: "~r<:::nmenelel'1!'es. ~radl~ inll.lf31:9 . e::n,;m,las, ~e=: :Q\l.~('::m, 'and:aU ~f (1\alr c1E1tilIS, <llra.:!\ ~r.. lilmp!l:le"lS !no:: '.,el",:<1 if, ~n<i 0"11 I~ r.:::h 1 ~hird j:ar.ll S narn sa ~y YN ~~ ~ =:~~ t eii::.ant 1:\ a~1 C:la im ~r:'~ a~$=rt. '!~ainl\ <.l.~. ~ .. ' . '. . 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'. . -.' ~ Y$.1:l1"Bl'l (,~C~~ 4351 IN THE NATIONAL ARBITRATION FORIJM CLAIM MBNA America Bank, N,A c/o Wolpoff & Abramson, L.L.P, Attorneys in the Practice of Debt Collection Two Irvington Centre 702 King Farm Blvd, Rockville, MD 20850 CLAIMANT, RE: Forum File Number: FA0411000359498 Claimaut File Number: 0122942733 Aceount No,: 4800125044192689 Card member Agreement Type: AGMT90 Bruce Ensor 1024 Teakwood Ln Enola PA 17025-2046 RESPONDENT(S), For a Claim against Respondent(s), Claimant stales: 1. By way of contract and use of the credit account at issue, Respondent(s) became bound by the terms of a credit agreement (hereinafter the "Agreement"), which is attached hereto and incorporated herein by reference. 2. Respondenl(s) is/are in default under the terms of the Agreement and is/are now indebted to Claimant in the amount of $13130,35 ,as reflected in the attached account summary, plus interest of $317.29 as of the date of filing, and at 6,00% thereafter, 3. Despite repeated demands for payment, Respondent(s) hasfhave not paid the amounts due. 4. Claimant requests an Award for the amounts reflected in Paragraph 2, plus all arbitration fees incurred, Process of Service fees and Attorney Fees of $1969.55 , 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!1 attorney fees. Delaware law specifically provides that an attorney fee may be awarded in an amount up to 20% on an unpaid claim if allowed by law, See, 10 Del. Code See, 3912 (pleading & Practice), 6. The attached Agreement contains a mandatory arbitration provision under the Rules of the National Arbitration Forum ("NAF"), The undersigned counsel for Claimant asserts, under penalty of perjury. that the information contained in this Claim and the supporting documents attached hereto arc accurate based upon information provided by Claimant to the undersigned counsel. WOLPOFF & ABRAMSON, L.L.P. Attorneys in the Practice of Debt Collection By: dau/ ~' 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 W olpolT & Abramson, L.L.P, Two Irvington Centre 702 King Farm Blvd" 5th Floor Rock.ille, MD 20850 1-800-830-2793 NAFCLM/NAF3 108A 4352 SUMMARY OF ACCOUNT INFORMATION ACCOUNT STATUS REPORT Date Filed: 11/01/2004 Acmuut Number: 4800125044192689 Cardmember Agreemeut: AGMT90 Primary Accouut Holder: BRUCE ENSOR Address : 1024 Teakwood Lu Enola, PA 17025-2046 Home Phone: Work Phone: Social Security Number: 184483485 Secondary Account Holder: Address: Home Phone: Work Phone: Principal Balance: $13130,35 Interest Rate: 6% Date Assigned: 06/07/2004 INFORMATION DRAWN FROM ACCOUNT RECORDS AND CURRENT AS OF THE DATE FILED 108A NAFClA/NAF3 4353 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 Procedure, without cost, from the Claimant or from the Forum at WWW,ARBITRATION-FORUM,COM or 800/474-2371. IF YOU DO NOT SERVE THE CLAIMANT AND FILE WITH THE FORUM A WRITTEN RESPONSE, AN AWARD MAY BE ENTERED AGAINST YOU, AN ARBITRATION AWARD 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: 1. Submit a written Response to the Claim, stating your reply and defenses to the Claim, together with documents supporting your position, Your Response must be served on the Claimant and filed with the Forum, Read Forum Code of Procedure Rule 13, A Counter Claim, Cross-claim or Third Party Claim may also be served and filed, and accompanied by the fee as provided in the Fee Schedule, Forms for such Response and Claims may be obtained from the Forum, If you fail to respond in writing to the Claim, an Award may be entered against you and in favor of the Claimant and you will lose your case, 2, Demand a Document Hearing or a Participatory Hearing, You may request a Hearing in your 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 must be filed with the Forum, You must also serve a copy of your Request on the Claimant and any 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 you regarding this arbitration, You should seek this advice promptly so that your Response can be served and filed within the time required by the Code of Procedure, If you have any questions or need help in responding, you may contact the Forum, The Forum is an independent and impartial arbitration organization, which does not give legal advice 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 ARBITRATION-FORUM,COM l08A NAFCL5/NAF3 ~ ,.~ ~ ,- ' .." y. ~1:l1.'B 11: ~~ n ~~ $ ~ . . . > H~ .f<5! '0 00 * o d " ~ ~ .li! "> :0.. Q. - q;g~ 8 '-:6 >- Q) oil 0'<: 0')" c: _..... . ;;:,!Q ~'Eo.~ ';:."1l"'E i~i~ ~! N~~EU ,..:i fB.a s g. .s "u"l!!",= E'r:: E 5 lil 'll ~m1!~~~ ~ Sa:: :; ~:Em "'C lD~O 'P,e 'Q a.v >.1O.l:::: - <( EE=-e-5~6 81 if ~:i ~ i . . . J~ 00 ~ ~ .<: ~ . :1 ~ 15. ~~ ; E ci 5.::) . x.q wa:o ODD ..n 111 111 IT" ~ o 0' I'- IT" ;:r t:l l '" ! _ ~ t:l !~i~ ~ g ~i15 j t:l ~~~ ~ ~ ..,j r-=I .; ;:r t:l t:l I'- -.D .... o '" %1 _n', '" co 0..... o::o~ 0:3: r<"V>'" <"\Z cr: cr: .............0- '" 0- ........ cr: cnu........ N~NO NO::O:Z -a:l-LIJ J I I ~ <Xl Z.! C') i l ! CIl fe ~-- ~ .. ~ '0 ~ ~ "" ~ ~ :;;' ? % =- '@ - ~ ~ Q. t:! ~ + $> => 5' (jo' ~ . (;) p - ~ - - =- ::- - - ::- ::- - - =- - - - - =- - - - ::- !: \\\\ '~i~"&~ ~~~ ~~~ Wt.... t: . " :: . (J) .. " 0- ~ " c ~ '8 <a ~ 'Ih ~ o "\ '? (J) fI1 ~ ~ - - \ i - _..- , .~.:: ,. -' EXHIBIT '"E" - III NATIONAL ARBITRATION January 12, 2005 FORUM@ Bruce Ensor 1024 Teakwood Ln Enola, P A 17025.2046 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 Bruce Ensor File Number: FA041l000359498 Claimant Reference Number: 0122942733 Dear Parties: Enclosed and served upon you by United States Mail is a copy of the Award, which has been entered in this matter. This case is now closed with the National Arbitration Forum, All future inquiries regarding this case should be directed to the opposing Party, Sincerely, ~~ Laura Johnson Case Coordinator Enclosure The Forum P.O. Box 50191 Minneapolis USA 55405-0191 www.arbitration-forum.com 877.655.7755 651.631.3700 FAX 651.631.0802 III NATIONAL ARBITRATION FORUM JI!> 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 Bruce Ensor File Number: FA0411000359498 Claimant File Number: 4800125044192689 Bruce Ensor 1024 Teakwood Ln Enola, PA 17025-2046 RESPONDENT(s). The undersigned Arbitrator in this case FINDS: I, That no known conflict of interest exists. 2, That on or before 11/01/2004 the Parties entered into an agreement providing that this matter shall be resolved through binding arbitration in accordance with the Forum Code of Procedure, 3, That the Claimant has filed a Claim with the Forum and served it on the Respondent in accordance with Rule 6, 4, That the Respondent has filed a Response with the Forum and served it on the Claimant. 5. That the matter has proceeded in accord with the applicable Forum Code of Procedure. 6, The Parties have had the opportunity to present all evidence and information to the Arbitrator, 7, That the Arbitrator has reviewed all evidence and information submitted in this case. 8, That the information and evidence submitted supports the issuance of an Award as stated, Therefore, the Arbitrator ISSUES: An Award in favor of the Claimant, for a total amount of$16,329,65, Mnu0~ Arbitrator ACKNOWLEDGEMENT AND CERTIFICATE OF SERVICE This Award was duly entered and the Forum hereby certifies that a copy of..this.J\.ward was sent by first class mail postag~f~gI~Jbe~~ies at ~e above referenced ad9fes~, or thel~ePl'\?sentatlves, on ( / +J.... \ \ f~!~ ~\"o;;.\ -..:e';' \'H\ c- I '__ H01iiiiial! . \~ "., Diredol' / ~ / ',< 4"--"/\'r.::,/ ',<f~II!~/> Entered in the State of Pennsylvania Date: 01/12/2005 (':J~ 70 ~ ~ \t. \l '~ _ ~ C'J ~ ~ ~ ~ ~ \- -Jb'1;. ~ ......, <--:~ . ~ \. c ~~, .~ C r-:. c~o ~ -',," :-::.. ~~- - o -c. :.J,~ -~-. t.;? ";J {',.J ~4 ~:t -- .-- -- , RECEIVED MAY 11 2005 r}1\ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A., Plaintiff NO, OS- - ;),411.{ C'L>~L~~ vs, CIVIL ACTION - LAW BRUCE ENSOR Defendant RULE AND NOW, this J '2- day of ~ , 2005, upon the consideration of the foregoing Petition to Confirm Arbitratio~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 ~'dayS from the date of service hereof, ~O{~ \::Xno'J b'\ o I / / // \ 1 ~? \ ,\'~\ (.~\'~7 \ t' ~7 ',CI ,,' ),;., \ jU " ~ '.... ..~ ,r, ::0>.".1 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff NO, 05-2414 vs, CIVIL ACTION - LAW BRUCE ENSOR Defendant PRAECIPE TO REINSTATE To the Prothonotary: Kindly reinstate the Petition to Confirm Foreign Arbitration Award in the above- referenced matter. Respectfully Submitted, Amy F, Doyle, s 're Daniel F. Wolfson, squire Philip C, Warholic, Esquire Donald p, Shiffer, III, Esquire Andrew C, Spears, Esquire WOLPOFF & ABRAMSON, LLP Attorneys in the Practice of Debt Collection 4660 Trindle Rd" 3rd Floor Camp Hill, PA 17011 (717) 303-6700 ID No, 87062 ID No, 20617 ID No, 86341 ID No, 89451 ID No, 87737 SEP 0 2 ~J[)5 Date: W&A File No. 122942733 r--' c:::::> co,,:? :;.;'1 N o .'i"\ -1 mt C:;J Cl c') () ';"f-n ; ;":\ C~) -.J :),,) ....,-;, - IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N,A, Plaintiff, NO J,o') r ~L-' 'u . ,. {j 1.\ \ v, CIVIL ACTION -. LAW BRUCE ENSOR Defendant. ANSWER NOW comes the Defendant, Bruce Ensor, by and through his undersigned attorney, and answers as follows: 1, Defendant admits upon information and belief, 2, Defendant admits, 3, Defendant admits the allegation of paragraph 3, 4, Defendant admits to using a charge card issued by Defendant in making purchases, 5, Defendant admits that he was provided copies of the Statements of Account, but denies that there was no bona fide objection by Defendant. 6, Defendant admits that the Agreement in which he entered into with the Plaintiff contained an Arbitration and Litigation clause, but denies that he agreed that the matter would be referred to Arbitration, 7, Defendant admits that the Arbitrator issued an award in favor of the Claimant, but as stated in paragraph 6, avers that he did not agree to submit the matter to arbitration, 8, Defendant denies a balance of $4,864.46 remaining on the credit card issued by Plaintiff, 9, Defendant denies the allegation in paragraph 9 of Plaintiffs Complaint for the reasons set forth in paragraph 8 of this Answer. 10, This averment is a procedural matter and does not require a response by defendant. To the extent that a response is required, it is denied that the amount is within the jurisdictional amount required for compulsory arbitration, Defendant denies all other allegations of the Complaint that are not specifically admitted, WHEREFORE, Defendant requests that Plaintiffs Complaint be dismissed with prejudice and judgment be entered in his favor and against Plaintiff, plus costs of this action and such further relief that this Honorable Court may decree, Respectfully submitted, Law Offices Of Peter J. Russo, P.C. /cA;tf r; # ~ ott A, Stein, Esqui e Attorney 10 No, 81738 3800 Market Street Camp Hill, PA 17011 (717) 591-1755 DATE: 1-.~ ,J - c':r IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N,A, Plaintiff, NO, O'~-dLII~ v, CIVIL ACTION -- LAW BRUCE ENSOR Defendant. VERIFICATION The undersigned does hereby verify that subject to the to the penalties of 18 Pa, C, S, S 4904 relating to unsworn falsification to authorities, he is an attorney for defendant herein; makes this verification based upon the facts as supplied to him by the Defendant, and that the facts set forth in the foregoing pleading are true and correct to the best of his knowledge, information, and belief, k:A1' c ft~ 1;tott A, Stein Dated: '7 - '3 0 ~ c, j- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff, NO'O)-,1L11~\ VI. CIVIL ACTION -- LAW BRUCE ENSOR Defendant. CERTIFICATE OF SERVICE I hereby certify that I have on this day served a true and correct copy of the Defendant's Answer, upon the following person, in the manner indicated: u.S. Mail Wolpoff & Abramson, L.L.P Attorneys for Plaintiff 267 East Market Street York, PA 17403 DATE: lefTle) -Sd;A~~;~ C) 1'-' 0 r::':::) C c::-:> -n C,,, C') -..... ("') :J:""T1 --t \"i"IF -r;'-r, I jQ W "),h .. "'U (J -"." " ~"'C:_ rn -- ~- .1;- ...J __'0\ - ~5 =2 N 0 .< SHERIFF'S RETURN - REGULAR CASE NO: 2005-02414 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND MBNA AMERICA BANK NA VS ENSOR BRUCE CPL TREVOR KENT , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within RULE AND PETITION was served upon ENSOR BRUCE the DEFENDANT , at 1956:00 HOURS, on the 4th day of October 2005 at 1024 TEAKWOOD LN ENOLA, PA 17025 by handing to DONNA ENSOR, WIFE a true and attested copy of RULE AND PETITION together with and at the same time directing Her attention to the contents thereof, Sheriff's Costs: Docketing Service Postage Surcharge So Answers: 18,00 14,40 ,37 10,00 ,00 42,77 ~~.<~~ R, Thomas Kline me this II? ;)d day of 10/05/2005 WOLPOFF & ABRAMSON BY~An h Deputy Sheriff Sworn and Subscribed to before A,D, ,..., .. ORIGINAl. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A., Plaintiff NO. 05-2414 vs, CIVIL ACTION - LAW BRUCE ENSOR, Defendant PRAECIPE TO DISMISS To the Prothonotary: Kindly mark the above captioned matter dismissed without prejudice. Respectfully Submitted, W&A# 122943374 CA -- Amy F, Doyle #87062 Daniel F, Wolfson #20617 Philip C. Warholic #86341 Andrew C. Spears #87737 v'"'" David R, Galloway #87326 Tonilyn M, Chippie #87852 Ronald M, Abramson #94266 Ronald S, Canter #94000 Bruce H, Cherkis #18837 WOLPOFF & ABRAMSON, LLP Attorneys in the Practice of Debt Collection 4660 Trindle Rd" 3" Floor Camp Hill, PA 17011 (717) 303-6700 .... ' ... IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A., Plaintiff NO, 05-2414 vs, CIVIL ACTION - LAW BRUCE ENSOR, Defendant CERTIFICATE OF SERVICE I, Andrew C, Spears, Esquire, do hereby certify that I served a copy of Plaintiffs Praecipe to Dismiss, upon Defendant's Counsel, via Regular Mail, Postage Pre-Paid, a copy thereof on this ~~~f Fv~~~~~ 2006, to: SCOTT STEIN, ESQUIRE 3800 MARKET ST, CAMP HILL, PA 17033 ~ W&A# 122943374 Amy F, Doyle #87062 Daniel F, Wolfson #20617 Philip C, Warholic#86341 Andrew C. Spears #87737 David R. Galloway #87326 Tonilyn M, Chippie #87852 Ronald M, Abramson #94266 Ronald S. Canter #94000 Bruce H, Cherkis #18837 WOLPOFF & ABRAMSON, LLP Attorneys in the Practice of Debt Collection 4660 Trindle Rd" 3,d Floor Camp Hill, PA 17011 (717) 303-6700 1 I. I ... LAW OFFICES DLPOFF & ABRAMSON, LL.P. rTORNEYS IN THE PRACTICE OF DEBT COllECTION 4660 TRINDlE ROAD THIRD FLOOR CAMP HILL. PA 17011 717-303-6700 II " ,- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff vs. BRUCE ENSOR Defendant NO, 05-2414 CIVIL ACTION - LAW PRAECIPE TO DISCONTINUE To the Prothonotary: Please mark the above-entitled case as discontinued without prejudice, 122942733 Respectfully Submitted, C'- Amy F. Doyle #87062 Daniel F. Wolfson #20617 Philip C, Warholic #86341 Andrew C. Spears #87737 David R, Galloway #87326 Tonilyn M. Chippie #87852 Sarah E. Ehasz #86469 Robert N, PoJas, Ir, #201259 Ronald M, Abramson #94266 Ronald S, Canter #94000 Bruce H, Cherkis #18837 WOLPOFF & ABRAMSON, LLP Attorneys in the Practice of Debt Collection 4660 Trindle Rd" 3'd Floor Camp Hill, PA 17011 (717) 303-6700 .r - LAW OFFICES U'OFF & ABRAMSON, L.LP. fORNEYS TN THE PRACTICE OF DEBT COLLECTION 4860 TAINDLE ROAD THIRD FLOOR CAMP HILL, PA 17011 717-303-6700 I' IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N,A, Plaintiff NO, 05-2414 vs, CIVIL ACTION - LAW BRUCE ENSOR Defendant CERTIFICATE OF SERVICE The undersigned does hereby certify that a true and correct copy of Praecipe To Dismiss, was served upon the individual(s) listed below by Regular Mail, Postage ~'"' JJ Pre-Paid on this Rday of . 9(( \ , 20 \J~, SCOT[ STEIN 3800 MARKET ST, CAMP HILL, PA 17011 C- Arny F, Doyle #87062 Daniel F. Wolfson #20617 Philip C, Warholic #86341 Andrew C, Spears #87737 David R, Galloway #87326 Tonilyn M. Chippie #87852 Sarah E. Ehasz #86469 Robert N, Polas, If. #201259 Ronald M, Abramson #94266 Ronald S, Canter #94000 Bruce H. Cherkis #18837 WOLPOFF & ABRAMSON, LLP Attorneys in the Practice of Debt Collection 4660 Trindle Rd" 3'd Floor Camp Hill, PA 17011 (717) 303-6700 "