HomeMy WebLinkAbout05-52012019417
THIS IS AN ARBITRATION MATTER. ASSESSMENT OF
DAMAGES HEARING REQUIRED.
GORDON & WEINBERG, P.C.
BY: FREDERIC I. WEINBERG, ESQUIRE
Identification No.: 41360
PAUL M. SCHOFIELD, JR., ESQUIRE
Identification No.: 81894
21 SOUTH 21ST STREET
PHILADELPHIA, PA 19103
215/988-9600
Calvary Portfolio Services, LLC
as Assignee of Calvary SPV I,
LLC as Assignee of ECAST
Settlement Corp., as Assignee
of MBNA
4050 E. Cotton Center Bou
Phoenix, AZ 85040
VS.
ELIZABETH GRIMES
1018 HARRISBURG PIKE
CARLISLE PA 17013
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO. 6J _ S:26
NOTICE
YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET
FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER
THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY
OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS
TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO
THE CASE MAY PROCEED WITHOUT YOU AND A JUDGEMENT MAY BE ENTERED AGAINST YOU BY
THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR
ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR
PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A
LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO
FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY BAR ASSOCIATION
32 S. BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
II ,
COMPLAINT IN CIVIL-ACTION
1. At all times relevant hereto, the defendant(s) was the
holder of a credit card, which at the request of the defendant(s)
was issued to the defendant(s) by the plaintiff under the terms of
which the plaintiff agreed to extend to defendant(s)the use of
plaintiff's credit facilities.
2. Defendant(s) accepted and used the aforesaid credit card
so isst,.ed and by so doing agreed to perform the terms and
conditions prescribed by the plaintiff for the use of said credit
card.
3. The defendant (s) received and accepted goods and merchand-
ise and/or accepted services or cash advances through the use of
the credit card issued by the Plaintiff. A true and correct copy
of the Statement of Account is attached hereto as Exhibit "A".
4. All the credits to which the defendant (s) is entitled have
been applied and there remains a balance due in the amount of
$3,601.46.
5. Plaintiff has made demand upon the defendant(s)for
payment of the balance due of $3,601.46 but the defendant(s)has
failed and refused and still refuses to pay the same or any part
thereof.
WHEREFORE, plaintiff claims of the defendant(s) the sum of
$3,601.46 at the rate of 22.98% from the date of May 26, 2004,
together with costs and attorney fees.
GORDON & WEINBERG, P.C.
BY:
FREDERIC I. WEI E G ESQUIRE
PAUL M. SCHOFIELD, JR., ESQUIRE
Attorney for Plaintiff
POLE
I,.
VERIFICATION
FREDERIC I. WEINBERG, ESQUIRE, hereby states that he is the
attorney for the Plaintiff(s) in this action and verifies that the
statements made in the foregoing pleading are true and correct to
the best of his knowledge, information and belief.
The undersigned understands that the statements herein are
made subject to the penalties of 18 Pa.C.S.A. Section 4904 relating
to unsworn falsification to authorities.
FREDERIC I. W INB G, ESQUIRE
EXHIBIT "A"
i;
aag
BILL OF SALE AND ASSIGNMENT
The undersigned (the "Seller"), for value received and pursuant to the
terms and conditions of the RECEIVABLES SALE AGREEMENT dated as of April 13, 2004,
as amended by Amendment No. 1 to Receivables Sale Agreement dated as of April 30,
IdiHT6t1®d?uu% 9(_ FO?n Lamwdedi,=rgheq.L8Ag emnt1& HEN@8r-n jj-Q*g?=C '?r!r{ _ti ? ?l?? L
b$1?pOr?7t-N? COR.FORATION,_asseller, and.CAVA-I?RV-TNV_F.4QTMFNT. Lr' ."n,?rYkxcr").,.ascs
hereby sell, assign and convey to said Purchaser all right, title and interest of Seller to the
Receivables described in Schedule A-1, Schedule A-2 and Schedule A-3 hereto, together
with other evidence of indebtedness, if any, the right to all principal, interest, or other
proceeds of any kind with respect to the Receivables. Capitalized terms used herein shall
have the meaning set forth in the Agreement.
THIS BILL OF SALE IS EXECUTED WITHOUT RECOURSE,
WARRANTY, OR REPRESENTATION, EXPRESS OR IMPLIED, except as otherwise
provided in the Agreement.
Seller hereby authorizes Purchaser to use a copy of this Bill of Sale to evidence
Seller's assignment of the Receivables to Purchaser on the date hereof.
Seller: FCA(j S ??L M???? CoePvnfliid
By:
Name:
,??
Title: ` , ?r?s rcQV
Date: April 30, 2004
STATE OF V J e-_f
) ss.
COUNTY OF w e.w Ir or \L )
This Bill of Sal was acknowledged before me on the 30th day of April, 2004 by
t rn o_ t h_D Le; A as Attorney-in-Fact on behalf of Seller.
My Commission Expires:
Notary Public in and for the State of
?n
FRANCES SACCO
NOTARY PUBLIC State Of NOW York
No. 01StA48802T3
ouaiified In Queens county
Commission E Tres Daces 16, 2D
)W
LumTED POWER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS, that eCast Settlement Corporation
("Seller"), with respect to those certain purchased Receivables, described in that certain
Receivables Sale Agreement dated as of April 13, 2004, as amended by Amendment No.
1 to Receivables Sale Agreement dated as of April 30, 2004 (as amended, the
"Agreement") between Seller and Cavalry Investments, LLC ("Purchaser"), hereby
names, constitutes and appoints Purchaser, any Third Party Owner, or any of their
authorized agents, employees or representatives, its duly authorized attorney and agent
with limited power and authority to (i) endorse checks and other negotiable instruments
which may be received by Purchaser; (ii) transfer and obtain any evidence of ownership
or Receivable Documents; (iii) settle any insurance claims or litigation and apply for any
insurance, warranty or sales tax refunds; (iv) assign judgement and arbitration awards;
and (v) to perform any and all acts relating to the Receivables which the undersigned was
entitled to do as the owner of said purchased Receivables. Capitalized terms used herein
and not otherwise defined herein shall have the meanings set forth in the Agreement.
EXECUTED this 30th day of April, 2004.
SELLER: eCast Settlement Corporation
13y:
Name: Jr
Title: n
STATE OF ?V e v,/ u u r \l. )
ss.
COUNTY OF\V.??? ?f ?l )
This instrument was acknowledged before me on the 30th day of April, 2004 by
1 rn? • T 1? CDcv? asE i,-r- on behalf of eCast Settlement Corporation.
JA &4t,0-9-)
'-?
Notary Public in and for the State of e.w '\/&
NOTARY PU
No. BUCt Sta e ACCO Of ew York
Comrrq one fn Oueeeens county
E)Vk" December 1s, W &
11 Credit Card A3r-eirment 11
General
Jr. this C.edil Caid Apetmem the Aoic-'ycX aria
Irur ICiat rn arh+ and al10 1 -.hr- per.cros tax, accrr•t a
C1:$:1 tblJ L WsJ iJ'i ut :.l .I!l.J?l ch dtand :•.? I'd,ltl.
This 171--dit Cara Apr?emcril ;the A reerncril I cansict-:
of ih33. ducun.crd al..:i 0hr 1,111S hN; Coinfitir,ns set
0a the Requrcc p,;dcr.+l !:v:,;:i+^n'.erss itecucr rd I;.e
a:c::mr.0:1. rig ccn? wr.:e: bleb ::• mcalporaled I'erein
all:l nILdL, w 11a1T Ieri,'ti: Tw.- ,:tit ,I,:1
: LIKA =,menctt m.:an Amedca i'arik V P.
VMil.,n'ivaduupl!,r .Iti:-tl?. ?rtYl`urit ynu.,;'IC( IU floe.
IC mns in thi' :'.pmemtm! 1 :u bi i-m!d Eilirl -+Cur •: L•
Y4.-t; l"G:Itcl'.: to and hi 01.'117t• I-AhNA-Aq ,vu, Ri it rt
all:iia:es. Or its rlw'-n•g aa5UCi lies t0 ma:utor anarai
soul ans•C', Y.-mr ccin:etimnonr- with OG: rcp,c•
!:•; r1;E ?.ec ::I tl:e :i j::carr; ;.'.ta:5 ;a rim CA i::mp.mir-y
,.If ,:r,pitri;mec terms not defined herein shall have the
mrc,ning:,a d hnr•d in tl'.r-R'en'cLed'eceml Gi clr..rcres
EC•: Sitq: of t'r ills i ni:j r:1Rlr1
Difornratiarr Gathefing and Sharma ____
?Frrrr: Iilrtr to terns t:e n',R: r btalr, updat-d mlc:a',:,
I:on afoul yr.-ii mch:dinr lot example. Ueda inicirm.
liter H*r, n,ay 1 i:r:rc: INC.;rnniion about. You with credit
I,,mm inn uFerrcii,c ,u:ci othois hwiudine: rivichant:; and
ssreni, , comp mes al'ilrrtt:cf 'rmh I:r You may w(lucs.
that hlonnaAcn about sou m,•,t be Chet-d ?nlcng our
affillmr,r- r-•rhe: than tn.rrrnal -on pertaining solely Ir
trimit bolls or t•?:1;ciia:nie.> Lr_rwem you and its for an
\7L'NA r"•xicr:_a a:hh• ,1C) h, w,rlilq, its at t:7 f il; Aftiliato
IniorrnatlcaSh;arrng, PU PIX 1,942 P:ihningi,in DE
19-,5C•5:.2 Pf= s- dularle soul think aJdre:a hunla
pli:.ne :tu:n:xa and :.fl 1,15NA Amerca account numb-as
If }Ou WlUe 0151 r;r_c;arc'e ; i riu?nya[ic 10%wriali:+il
ab.-jut yrn: n: jxm account pas L-et;r• shared b;. us frith a
crcd:t w;-K%,ung aitr.rr• xClt- i,^. :is a0 1d3Pl,.. 11;edir
fZepurtinpAgtmcres 1:0 Fox 17057 .1'Ihnnlgron 1700
19RAu-iU`.d Fh:zse mciu,e ,c?,rr ri:rnc aJdw:a, htlrn':
phone anml r. and arccur.t nurnbtr, and explain wNch
informative vuu ir?'ierc• is inF., u:FFi o: incrnnpl ie-
Naar To Use Your Account
lion it y tz< :roue ctcdr: caul tc tmi!&aac cr lease
Gnc•d:, or re--mm; tie-in (:ere-at 's v, No hanc,r the :arc 1nAl
nUr Msou,Fc}acn rani:t,; ntcdn Casi• Adzsnces 1ru
ray 1*1. Lbc Ch c.; C3>ii ..LhRn:t or any t:lhcr ^ sl
I Advanrc. Ir-. mall a I,aymc•r. or, 0r9 ,, arty all V credit
2t.;+:,uti syith .lE 1'o1.1 rtwr r.u'- ase ets:rr account lot buti-
aess or cammerciai ,•:l:Fcces
Certain ertablisi;!rc-rts r ia, earn'rLr r,ersor.el cheer:,
up_n trusemrnont of you! card :n !ht evc m wrP ,-o
:irCl:d:rd it; I:er Ili,: -imom4 nt a Owck carilcd m th:s 7. it^
'".msuve the check is nr?t plid lot _sy reason. we wlli
cheapc yrur accrue: 4nr a ca- .h ?:arar,rc in t}a. i,ITI ulli 11
-0b4-c1edc :ml,ny prrrrr inQ.rh,al? it a:r. actually mcut
it Von rwmrt: any l•c.•rvr, ::r hate.- r:ccctss rt: tYmo r.,lr!
or ac utird t,unltvl :filil ihlt Aulitimizoiarl to male a
c lw*r :•rru M4." I.,t I1y1:,c rn L:C• cr,alges mad=_ '.y that
-p-mo.) lncludinr< coat?-, I m which you may net have
intended to L.- liable
11 t^ Irerl,a".hvn 061a to Clreek Cash Advances cad
E!ylance Tu rsle:s r. 11•-e dwe you cr the persan ic• v.-hom
tk,? CN-cl. Is mode pa)able Him cep<siN nI ra?hrre Ow
cla.:i:. ?Ire- :tansartirn data lar a Ir;t;nnri 1 ,yxr.;nt !
Nall. C. islt Ach-ki rtel :911', date- ILat it,..,
CUrr45pui c,h;nt
p;ym Nllt psna'led to yr•Alr acvlunl
lrnr rose le::;l:eKt z stopp_yrnem art C. hei+C
.•'?:hanci?T i;; rni,yitilnr; ur• m.-A, the: OwiI. nutnhr: dolkr
anHUlltt.:nld paprrr ry.acilti as ilwy appom kin the Chrci:
Ca_h Adw.-vo" Omit ".411d
on charm Cad*. A;iy<,ICrH s r,: elt:-clvm Ic-I six mc•nihs ltcn
Tire day th . we place'l:e aul: ;.vy t_rt on rcut account
You rnjy ncx use r., i,csttkied Cl,c-c's Cad-, Mlvance t.
abtam credit Lnjer yovi otcJurli. if vuu dC punidatt c
Cl-eel: +si =.daarjce a:e era el.n Ic healer it uactn p
sev,wjenl rl rr:tum it Lnpaid to the navy which presented
11 to its lnl I;fy'nicni Mirt.I:: in e.itrser case E-v7ltitte ;it[-
dale Olaarr on the t:he;t: C: -ll Adyx'l-c,e We are oat ii;+bic
1 y.1 is any bs; uI ?tptns: -r•cu:red cl•,• ycu aris:rg out at
16: anion we Flea to tai:;.
Rep. l merit
iou promise. to pay ur• Ih= rmewnts of all ciecilt yet:
ol:l»Ill. this auh:dos;,It plm ham+r ia5h sdcaill:r_c 6 e:.
W• e:.
•:`tat?es ,? !! insvranirl:,•cru;.tns a, t;:-rrsa,a..r.ri
? year at:cqunt .:nr' ;•n.nn_? ?r,-,ir.•?.
Ycu er+y:r,:y Itie, rtrom: c:o.n:nt a tt:tznrJt: r ei sn
umr. Yaa mint pay"taach rn^t:I ;t:=a::r tnctrti:mnum.
pa;'merd :eh?w:n )I% t•-,::: cK•r!ii; rt ;!tlaad. It y!*m ;?rCt•
r':,}'rn It cle;iil 17 :i,Rli: Ir• i,:ai:.!\titS_ cm-w-qj !t. ti?+7:
imc-um ar, v;ili no: pad tatt:na! rn ;.td' You,
r::iY7-eI'1t will Miff,.( WE C'OM-111.111f. Ir
ri-sl :ns.nnrrs ,e !,•11 ullrr%ur r.h:; -Siyv:iaaS 1•: balan;e:
(IncluAlnl n(::v traneactinasl with I,vx„1 hubs e•cai.•tt
balar-rta with rog.rivi AFT*t This .:•iA1t!;o1I to r,r I;p,'.
ar*-,? with a lom:irate ca tmuav:i bor- ... f;a',,J l•rtc:t: r,ry
t:lher ea?ht: I;,l,rtr.+e. d: fra:menls . I be:moilty tc
yc•ut ar;.trtnt Ic: Ihr• hlilm;: Cycle ti acl, parr-_ni
I51tW!'.W "i•:wi•tp1 wt;Ut r••,ad;-td,: r-Iedi, m;.% I i l eM
:twt ,tsed ov !h- tem,vni cI tir_ pa-rme•ra tud:l yr;rt
lund-- haic'leered N11rimmin monlft;c -'gyment" ra+I-
noi b 'rude In rl::rn:1: and i_a,nx:•rds Mace A" ?lq
billittp. sect= vadrli -iii t'.:F itt n :n'fie rvrio;vvs pay
mr.•rt due will r1c:1 altos ur : LIn_a!lcn to n:rUtr sois,a.
ta:r.'W mli;mun, h._ rnent i::va: rrt-ml•. ?•-t1 c_n !aet
Vi yments ur,t dencnl't,i[,itf n U •-t: no! dra:! 1:
on U 5 ctrl: Wo pa!w-:%it shal? tlls:'air; as r. a; t :•r9
and s,ti:anClar, e.itLuat .I•e n:icl a:;'ten api:.i:•t::1 rA :,
_r-nior olficer o'' M..b'• AA-neri:=:
All rr)rscnts -' hL Iniria l: ;t _ubu:p,t>nti; r.?r.u•=t
occcpt or us=_ the accow-1 e.e ir..ii:-idwlh ,e 7'd tc)r :tttt•
Ioporis!Ut :Cr --ool etasWrclnG !%alatYe Rice':? d: mo!e
pc.lsiolkg clr_ t_sf:vs II>iE h.: p;t;' a11% t;atsl.'tn Sta? Url-ancc
V:V. im-5 i.lC'11 11", IrIEiSc en;r of Iii u.--n firm h iHity t:ntil
Il t i tit+, unC;xpit 'ti {'arch r.viatandir, uncm tl:e o:o-tm-
Ilan. I;een rtrturtted to art a:ul .1? balanct s :'sir, in 1::;1
Reasons for Requiring Immediate
palfilleuf
Yuu wall bc• in dtaault eir,i ::"4' {Bn ivputti in':!;teti:ate
i:agment of alf eiclcunta ;';•u It l t I yotu 1;;ii to maix.
an} :equUcrl lc:p:nenr ,g:lt•; t ecmer7 4•ut: r`a!e: i='i i`r!ttr
N4LW Balw;ct, Total :?1c ^.r1= ".vut cl,!rjl,, 1:171t: n: If -we
haw. r-;tabhsiet •-Ppwaic'rasa i•..'.•.;tee eledlt 6TIJI
iat you ow -mmandmg Cisli Ad•.?i:c. nal:,nee- exceec,
}our Cash Advent :resit Ihnit or t31 )vm: kill to ahlcc•
by any otl%t t_t:ms of this A-gre_ciew.
if you dol,.ull. unless ptc,'-ubitetul h af::i,llcabie I ,! :a:
c.r. also INiawt vu t) IC, pa., t "C i,.01.1lorl ad I:outI
cc sts •.re II,;ur in m,,1!tcvon ?::u.:e dfn:; and a +a:t
:r,ri, Ale aiioin,:!s lc9 f'•t•: r,;rct } irli av.=runt fot ( :11o
I nn tc• ::u mlc•rr•[% &I"t, it no, r,vi e:?ter;ed cni?,lU;:ee
C+ur fal:ui !. exetcl:.•e :,n, :'t ::+.u nchts xlan ::.•
defFUl;t does nr., mven that ur ore untih'.r, to tt.ercis!
tiir..n+•; Met d,1,.u1t
Pill n?ellf Hufiriays
We rn',C 9Itc': ,6-11 I:iJ21: tt,,N•. Ur tr: WWI e
rnrnahl?, pcymert 1t'e .- nc:ulp ycu a lu:t flu_ cptior,
is liable. 11 voii arnil i i1, aymert rinan:e ?7tranL:
end eredif ini-Lilan.e I'm arum; :I an;:, da): arcru,:::e
•,••aur ba:a1•,ce in ;,rrr:r:isrre vi:ih this ?.•rtzc:rent. Thr
nrczt:i:emrr. tl'la? m-u make ; m:ntmure 1,w'ment aaia.
irir.?rth •.cpl na rme r:11;C•.vukf yCu. I'n;:rni•nl ht lid1w.-
Charrles Marie In Forei ?? Curre-Ildes
it v0u incur a chs:t;a it;, h..retrr the fh•8rr1a
vrll t cnnr•; rd lei Vl,- luteirmilonal tr. `.:astrr:arci
Internal :nn +t liependHf _+r whirls car:I you Usr. 1:11,0 a
u 5 iln!la.r atae•:rnt u: la:uid;ivi:; :ettF tie cpct.Umf
rc ulna:+rs er rnn.,C-ii i proccr,•ures in etlr.•r.t d! 1hr-
itmc'hat the nor. is rnc:: cssed Curt!ntlc thnsr
rr -ulat:cns ram picredLW+ l:rusad_: that rh,_ carrrni ;
..cnsersir:n rate tole csr d ir, eitka i 11 i a '+. h,,ies.,lu
rr.arker rib: c.r I_i p'n-rinrr:rmt mai:rdatec rate it- 41tcl
.ne' Cny 1'r,,tr to the C•ri4C5_(f lair Increased oy 0111,
9cr•:cm iti e:itih imsc- 'th;i, of hSaStla vrti remin5l hi!,
cr.a: 1ifi.ce r.: as compvrr aut•n h.r perlorming I,,I ruren
r; 1c;t:et: t.r.:;,:yir:r. The cian.rc; cr:•:nr.^s c.n late in
eflect or, t i>ro e'srnp_ dal,'. may 'liter from the rato ill
,Ilea on the rtansacricll ,fete or thr• riostirig onto
Billinr? Circle _
billinr, n6t: begins r.r. Ill-e .1a% allvi One tlcrir i^ 6cIC
r!irlwn (it..GCI accour.: = a:ruw,_.Inf' vio ithit zialoltivil:
and !'silk r.r, the 6osinr.Ame that ppearr ar, i•nnr
ucc;,tr„ ; vzitenw ni '.:•t O e cun•_nt innrth
Account Fees and Charges
Accrtrnt reel: Tn,; i?ilokulr fies. which me set torn;
cm vvurcmt! i.iimer we :tti_L•sSNd is 1lmA:hases In ihrt
biltinr i rrfe rn which sech cbarpv.-s accrue I It a LAI, .
r, r: i i vuur ;,aMml 1s :::-:d:ra:+ :eve, If errs yr
mat+ce Crora^PF us cra,ar• `x11:1 h, v819ncr.-
Tzt::l :r... ,a?w "edir In11,71 or Iha taet dad :,'...
f;i1nl:Ft;,rle an %j v,>: irr,l }•:u rv chargad to yp1:r -o(. to ,:
•i= of 1h;t day irl -I a I i Lr_t cycle Inii t taut dkzoUVt :v .a
1.1,:ir rl•n> t.Fvai: Itmit ;-,i 3 G',-it c, d'ra-.Im rtt rre I':,i
u'_•tit o:l Vour -a:*41-lnt 1? %,"Unid for In;ufliti+:-7 funds^a
rat a:ra 1d'suu N.FSr•,a ,aen if it is paw, t:;xr.• eubsequc:u
pn.D.turrd.nt. (•I1 a RMutr,-;.i {h=ck Fr.-r :f :cr• Itr,nn
CI 'cl: Cash ;1d: dllaf C It: n'i•J It-r in,,, IC tvitm it Ili,
the--f: C,1<11 :.:hence * Daid -q;i it sube.N;.;utr,t p esant-
vlow.; 1-1 it fix: ZIM' :af V. c t?rr+ rs if yc;a mmrdaiu on
.4rcowv bahmrr %riori r 1-vu have. acovc chwinne F11::1
it>@c5 ?:t ali Annual i ac
Abandoned Property Charges; lttccss urphiunec b;
a l:'I;eaLb: aw .war chafer %ourr eece int as n
r'l,a aa:c. i?l a:+}'. ccs+r.:n, t:m d I,y ur assc ciatr•rt :.:li,
.n':;:IyL-1? lvitlt 61air:.,hylsl:,n:'r? properlS 1.'rr::6
Additional Account Fees wid Charges: -leas-, jovwv.
1no Fet -joed redetel Merl(; utel; !:zecit_.it of Ymlt i:wi
c?rnt In1 tcd;tfrnn: li,i; a+r•d charq,ar lnat niaF appiv :t)
rr,ct ti:cr`urli
Bole its
You :.if be.-:litre-d re•ir,.ul berths wriich t\'ill ra
lert to the rcstrinlrtna uuthsed jr the I:ench:? btarhu ,;
piwid-d to You L•; Ametlca V.IiNA AIneitcz
reSO SAS ta,.• Lr 061USt add, of ri,:ICU: b,nehts arL•
. •I\li,i:5. iA iftiv 11:1:, and :`. it nr:llf 1;. tlcc
Re(llsnf In Horror Your Card
l'?d aria n: ,t halac 6a1 cr:: rets5al tr.: F.ant?: }..vr ,:yrt!
of ail"y Chsh iillc iarE :+l'Lr any tciall;pil :yl .;cu. care
:+y'.it 8t+p ,;t ter a:,nt rr nn; sr,T?r or lessor of gondv
m ?=r\,1cee.
Termination _
V:r: inaysu;:•erdol1,•tr.litrh-1,: ioix rhht to obtain
ctedri at any trn-si, mi isny Your obfipation-
under thtc Af}reoni+rd \:-1::trt:i5 e:':-rt.;lt i yoa: 1i{ h1 to
nhmin [nxll! ),as Laeu ru.-perce-d rn lcituiii-wed ':eu
tm:st retrnt all crec . it carri^ io a un request
Amendments
'we may amend this Ar..tvvnu'n+ 31 any time by addm[
r;i;?tt lne. or rnr,nwir: p:cr `sr-ni :r.: rn•.p•I:arlce with ll
..pp!t: ible n•,rihcali•^Il Ir:ii we*nent_ vl 1, ;I,.•:?,I I:;:. and lb.
ni the S,.mc! c1 yiNi rvan- it ..n arteri-Ji r::ni r•:. vo.l
tilt Cq;I:oY.;mlily In, rcl::cr tale I.Italilic: _ rc-Itc:
char. a In ILA rnshier pi"; i.141 I ruci:.;nnt'Ic nlim wi
nldt: tennin•-ne seal ng:,11 to rr:•dil and n`cy us :y,u
t teturr. all ctrrli' r1F:•ices at 3 ?.prui?tit?n of yrmJ re;e•;.
Item Tile t,mLnded Agri, mr--nt Iincicdim, ;ut, hrrratr-
cr ut l:cl hirt•at chimes •:m lee>.'• -.0A appl;: Ic; ine entiP.
unpaid bAujice frclttd,.r the taian E• ,; i-ig belme the
incridmcrt became e!b:ctKit %%-t -waq, NOW
cred,l card -4 all another cb7d al ; nt nmr
Assi?,rrrrc,rt . ___
lt',_ n•:a?: dt •-,n? trre and wai,U;:: nrt:x A: ya:l
ass=ign yC:Vr ammit or. 4tIru dire or, wire ,. -mill.
I'mi: Ape-merit or cur ii1 sans or cibhrptmtv..r, and^I Irur
iux,7nint of this A,?llrraf:H it an:• pcrrc•;, tit ci.llt Tfia
pci,;m of c:r•tity t... w71pm NI. rn..A-_: any such r !;ig,w H:rt
shill I;r elttiOrd *o al o! cum, c hif anrbn: ohLaa'lurr>
er;d:r IImF Agteontent t^ .he uEt.:nl anstgntrl
Cr'edic Limit
Your cad it IImill :e ;c:en ,n. vird miner and gcn-
Cm.7lB Cli $:iCh 61C.:1 hly F;i:a•ml'lll $%,i rnfi}' chantey; w
credit limit ar beets k: ni ttr,,: to ume. nri'x ual rotil_
yo,: it we dc. 'i tt: tal ainctint r A ;reds c utstanCic;; a:
;n:v tier rrust 1 . t J .,e tllnn yr.•ur crrr;:? Innu til'e mat
also c:;rabiieh a sepa ate crcdn !imrt for c.a<h Advaric cr. ii
wt: :U i:nu nutstendina Ad;•ince halanc-; tr:.y nn
rxc;9 :ai'if iF Crib i1:1•:Jnci:.m=ilt
Request for Credit Over Your Credit
Limits
11 you rCgt:est ::edit it; r,wi form whiel: d malted
muuld w uh !r cither ycmr meal oiniand4mg balance or
your Cash hs:::ncc balance a:rl;.:c!inr; withurized Iratnstlr
ncns• not yet i.tostad to'ynul a:c-aunt, iti:irp. acre than
jotiur ciedil ftrml ut :6 it Cash Advance ciurlh limit. If -we
bane r2'ambilshed -,.it cm },; t: I xhpt' er or :::u such bal-
ance: bclour th:t rccue Ft we is rome than the r. sox; t'tiV@
credit lim'.l. we Inny I1 i horca the respicM mlhaut •,.>rr-
man_rAly mistrig your crodit limtt 121 honor the rc-quesl
ar:r,: m-w the amrjnt is mare than, yuUl ;:wdo licit
ae !r+rndtat=l? tlua: r:: tip :elute I:: L•r;rt•: t)te 1€uuur'I
N+.' may ad:is? Iht- le! on %.,hc n.;d=_ :Fe tequetr, the-. n
br.5 txrrtt tcbrs•^' Ifni 10111%- 10 1'r,Vnal :, Chou 0'6
Y.dvvnce cr 4alan:e 1:an.1{T tt _ rn?; do t{t C''i i+Cli tS1riF?
Iho fig tgon .7t•7..•.en!inp the t hrr1: L :.t.'•1•. t,1
uslstsce Trat._let thel•_?sdit Irst *e.n telut.ed. thsl d+erc
me ;rsulficieal funds r,ay the Ci ed Cash P•daance a
r3afarcr, Ttan;Jr:t n: In am r;Iiua rn:,nn:r!
l tl we h;ar !equrmc 1r,1 ctadi- r el
et2ur t:n:i 10 1:t:ri; .; Jorr,. •ir,; mc-an Ii:,!it *#:-wi II hunpl
further ove:lix..d rzgvee:O if we decide to hontll uu6 a
wgtic! r kc mn,• ,.-Axe 5';;r: iJccr''mar Fee Hspmv .dcz1ir•
1 tlus• Ara?e:nent
Unatrihori"ed Use of Youi'• Card
Fica:e nc•uly :J: III: Ic:.itately Cf the Las 141t,+a mruble
I:r13Qlhctl:Nd USr d ;•CU:::va+'rnt •3! '•6!><r•7$:?-c.7Pl.
Gavernina Laity
Thif,:' peetru:n: •t wmdc to Celav.?te it is. gwv%-'m. ti
by the law. of :h; State .I _relwwar:!. r+;;ihrttt n.;letd u:
its cenflirt of lasr• rr:nrinies and by ary applicable
f;wiJtat I,iaf.
if any Fart of :his Aptc+,men: it foumJ to be is='al:d
the mm ten',ains eilerf:•_ Out fa!Ivre or delay in exer
ri=fn,; aag of rim lights- under this ::pre•: meat does not
lrwwl III-at. my. ;-ill u:r'.bic• IC; uwl'.-Isi• th.osr tirnis, later
Li[iroat ion
The Artttrauott piuvi is .; bel::w apply to you uvk-si'
!u :vorc• C!•.crt the cr.r.crn: div to reieci the Arbitration
pravt<_iPn5. nt:r. ,rill rid 5r:. relect then. In which rase
yatl aerie VIM :ury Ihli:+tica; I;rou"Il1 by veil: againsi us
iegaroing this sccc-uril tat tL•is Ag:ee:rent shall Im
r rough) in a ennrt located In OhL Slate of Dela'aare
Arbitration. ki-, Jcim; tit di;.pute I Clain:'j by
either you r us agrarnsi tare utbcr, ors lice
ernplnpee; ::,.enis r•r zss:grin of the other arising
a•om o: tc•h:Iin? It,, any :way to !his Af,re:meni ar _ry
pwi Agwemiew o! yowl acrr.unr IWh@:har unde, a
,;tmute in zol:ract t:rr., 01 otberuise and tvheiliet fot
rrtc:ncy dainapes pera.ucs or ceclara_or; or equitaLle
I.Ifefl. mrindira+C!•rnns wpatdl^t:, thr• applicaGitvCif
this Arbiuatltm S ctio!: of 'ht valui:ty 14 ;he entire
Ai reern rlt rl an'q Inft:;t ?.!;teem;ttt. sll:all I:,E tE?::al;•ec h•;
hinrline arhdraaon
Us: arla+Uc;iun nhali h- ccalductea b the Natirrlrl
Artnuatic•n roruai i NA rrdrl t1w Codu,.q I'ro! atlur ;n
Wce at the litmi the Clain. is Ilk "I Rules and .'•: rrl5 ir(
tilt. Nv,,iopte'. Arbit:a:ion I c:u;r• way h7z oLtai-wd wail
Clam:: may b^ filcc a; and ;9t:rl; i,aI Arhttts,nort I•omnn
nlnri: 'yiw",4'iJh-fftlUj?T fy);}, .' VG. Box 5p,A l
.,:oateapo!:::. 'd.;nrescta 55.ti: ririr•f?l;,nc I.41iii-.l T:-..'r i
!t the NAr If. ur.ablk :r tnrlvillint; tc, +:; o: brhiuelP; 'Ve
may PtlhSt it the ari;A Ira nrti;nally iemprtae:<.;ndeneri
dvtll i+tbriraimi olgard_a?ICin lhQi U6C5 n slmilal cocie/:d
pro:edure At yo-m wfilti I, rt•qut:,l we will advance any
a11:f;w0htn fihr,( htc. esrliursNttit= and hif llnp fees
which you plc rs.luited it., pay to puaua a Claim fr: atl:r
!ration Theatblirr'al will rtr-;:;dr .:l:o will lx uElnnatef.
re:aarslbie tot paring tlrc;ctt Itt: Ill :u: even; -.till ynu
be rt:aui:vf! Ir wiribuise us !ur uny atbi1i2uc l lthnF
-;riraiuh;tnitive ct hewing lees to an a:no:rn,.
greater than
w'I+t+1 lrgttt cc,;r;! cc would haze been if she Claim had
!teen r molvec it, z sale cour. ;eftF. !mit;dm.Irr+ Art%
ajbitrattan heating it which ye,u alq, ear tt Ili iiikv place
within tl;e fr.doral wdi+,+ f ti0r ct Il,al includes ycrn
bailing addross a: she stns it,(., taa;m it filed Ted, arbim.
rrn: nCrcemt?nt is made pursuant to a transmicn lnvoK.-
n:;; inzt male commerce and shall he governed. by tar
?ectral Arbltr'tlon Aa 9 LI 5 C ; I- If, I"FAA ! halt:ijwiv
up,cn any arbitratinn awatd ma3 be ffra(m:d ill ;my t l;v
having iurlsdiction The nibiiratoi shall fz,ilcw existli,?.
substantive it,,* to thr. i,. rra r,;n;:,rslcnl wlth the '"V% and
a,:piirr:td:, S;aU:rirs:a ;uniLvli,:,:l? avid :.hofl I-ov.3r art}
claxis ni Itrivile;e !mt ;z.nized by ;aw li any party
rev,, sts. the arbaratcr t:all write an opinion containing
the teasons for the a %%ai :
ill, Claim submined to dihitrati:rr, is heard by a jun
and no Claim may be b:au;ht as a class action of as a
prtdr,!e at:erne'y genelM You do not 1';.;+l lilt:- lip.lit 1c.1 HO
as a ::lase ;(pICSCI1j.d;Nr OI partied Wla its a membv! ;1! a
6m; of rl;dramrts leilfl IC'S11@C! lit eaj Cip{Oi 1611E
itl blU;,hl:•it :•eCl l!, t apl`1;ay IC• all Claims not:' in exls!encc
or that may alts: In the flout(:
'I his Atbltrulion .,ecuan shall surave?he letinlralrlnn
of your account w•I:h us ;,r. well as any vnlunraly aaY•
tntnt rd -,N7 dobt. in JAI b r:u day bankiuptcz by you
_n -zd!• ,ii !Lcl Sitrbt by 4=
ke t be ntup(re= C:! th15 f,l •il:a:rC,r. S?Ci tfAr p' isr:J
wi' ru.;mr, 1413 JA A, 6.a Bari N I;a }:„rer,i euv
c.+dlr.?!es a(hii:ire, 1!:xrtsks a+r•d:;, ?s,_r: s?reeE.F.a?.
s_zr..rl any rvr.hr:er u!',o!u an:rn±rt alt t.kI
:f tiSr
:YtL•iars c!!re:_trv:. R:F)p:;:Or:c- :aeras and assigna ar arr;
alld Of cl Ihch Adrlitu:a5all± '.cc' •;r 'u," sl;ali !near any
:hurl pany p•rovitlinr nenehit SCIC;Crc at r.rr::Iucu of
rtsnuect.ccm -wah the <tccc,unt un:iucrrit bl;T not ilniied
lcr a(All bureaus meu''ra)."s U;al rccefa at ; •.•Ndit
det•I, L<..uad un:'1e7 tale .;ccaunt rea:arda ar enrc':imerd
.cures c)valt rrr:u;acce ccrr.p;r.l_! ,7eL' 1 ra!li tU::S
ar.•d all of their a!ficcu dac•rt,.re rr };la?.es avd
if .,nd an • it auci, a IWrtl ;kvtr!s sr•.uk rl b} ,--Vas„
ca•r;aerccht !n::nyCiBi:r \ou ,SSea af;;inst us. Ai,v.
t•"I rt.a r)arnl:+se; [d rlas !•.: btrrG;lr: r? Sc,cri,?;;. :•nc' U.
:•:)Vrt sl;all n'.°-a^ 8a:•p=t6Lai C•r .:chit}•%i.Y,,;fl': i:? ?} Cb
no utc :lie nCC'r: 1r1r. mr.b ir:g but iia?! I.rn:wd tc7 a!t t?N-
!on7: of ev;Pies c,,-w,Frrv;ill': ,ilalP,:rre!: (:n r2tr: Accrao5l
arld al" AL•T I•L',117{it 11?el; of ti;; i,rC%.11R1
It ery par, ,)1 !his Ar! II: slb.CS SwCtmi::_r• round to Ile
,•T-.:fiu ?r rttteric•:clcr?b!e undcr any h-m et; nmute cunrft-
re•nt with U+e'FAA t!re ternahdo+ c•t lhle Ateitwlron
Section shall be eninm ably 5cillclan regard t: su::n
IttTrt,iidst? ar I: nrnlo:r?ct!••il!T;
T! F RL-'•F.•UI:T OFTHIG ARPOTr=•:SICIiv AC:REEMEid,
is T'H. iT. I >XC .PT AS }'kOV!C•ET) A! OW. CLA}tAS, CAN-
NOT NF. 1-1 7 IW EO !L: CC'•.IRT INCTUDING SOME
CLA11v15 TNAT L:CUI.b HAVE SEEK: TRIEC) BFrURE A
)UP Y, A.$ CLA55 f.C`i'1Gt•:S OP ".:'e PP:KC-aE 4.1'1'L PNEY
t,ENC.PAI. ACTIONS
Plalinum Plus Coverage Credit
insurance Benefits, Linitntions, Costs
_& Exclusions
jt I mn Pfue_r:L'ee py}± ycerr rninitrarrr. mr5nih!y
F.eentrnt- up tv tr,:a L-dati::e cm lac dau of in,s Inat to
ex,.eed:•15:Cd?pi.ur±ui;,•u;etuml:lv;r:rir' if nvam
:imultrriumlyuneniply>.d.Lcjaftly.tliabled.or t! purr;
}57:Jr 5(,r,lla: la!;CS lpv,jr?,? ian:ily lease. Kninunl PLUS
CaveraN aho pay., •.vvt inmired : tsian::inr hriance up
u; tho least v'vutu !+ul::landin, L:alan;r• pn rr cic-dit lilnlr
^.r 15 pQ+l if }::u dic-
Pli&ibf tt ': tsar.' rnstlmd r_r arcruri: l ifl mrl ,; must Lz
I!nr ;rllrrsry wrdhrdcirr r:r a ru•;1-•I •lir,dnt atghrn:•_d usrrc
arc not elir >nic.l ulstr,:r :,!;( 66 !70 ttr rJ. NV ", VA r l it,
,Tr. G.A h-11 M0601;'::13-NNIy )'r.•urf._o-.,;r3!:e;ld:;st
llwt e rwmu alzcs Irvvp1 hdrnil} leave in A7 rl. r SD r-
unf:ml'Ar)n',cur ur-kvtt. in rX l When a;u:01ve C-aYlca!e!
::ilt by mailed er.pla:ning p'AU! <V c-lai£ G .effecim daft h
1ati; unP.tr p!O'il7Cnt x-v,aa;,'t? t'_" efLct:4e G4 ch)if. (will
your rfulih afe e!lecme date f i;r :rn^.i:+pL nwnt ci la ni
h. Iuost ben=_llts, ycu muff hr: gaui!UII, empic--yer' wnria:rr..
Bl ast SG {;ce, :dl-vTairr,,ed nl rr. Indepr nd,vt
r?mrar.u>rl k,r kY% con=ecm:e das's hobo Ilse date of loss:
ICC) - before applira;ins flatrl it"A, • on the flat? at try.,; i
I-elcrc cm.,ring tiu:rlivc tat va for fren•iplr rrr+^ra,
ttri J;O)•ti:i?6 rd j+n,teSsw:r31 ? •.+ej:?ctat:pns :1',:,, he' ,:I:?i41e
Corti:revs t [3+•nG(jy; F'i::an:, Fluff
your agar!: t1woh rtt.-rv caeml?lo;arr•ata con: Iv las_
r+^nr.. 1 uiLz urrcnued lot •ac;.,u:r of locifmi; to-'al
dis_abiirt, due io sici ier,,;-i ililin it )v-+v are unable to
perlorm 0-e rnaicriaf f., sv1:: rE nU41 dutret; cl your lob for
an, job wier trhr IaA In r,loa n+ C.A. HI M. TN F VA.
mos. in TIA): your :,r ync: slvuse s unp;rld It:iwt:,d
rust ncr hon+ emplu)(venl due it- carr. r,! anal Itev burn cif
nev::y edapled clii!d t:r :;r incafrarftat,>d iit-.:nsdi;:te lemii}
:nembcr In-.ust he rS)1NJ.e bIIU7) hld tJT l:arent In
AK) mancmtc-ry rec,dl 1u w,tive irriinan' Ivt). jury dut;:
lexeepl in AKI. qt usi,l+a? ?: m a ledemlly oeclantid c?;a•.
Ier area kl+45 o*1 khmh: must Lordlnue at ka'I Y,
days I:liA-n; 1--eoiAttt- b,:Vm In I" fm smites. uwtu6m:t:
I:,L^cr digmleb r-- locL•ruts you n.ust he ancM:,ls ;.aid mr
rrn:-cclrt;v,: •. .h: L quaPly for Maio
i:er,rfit:: LeHar hencht Lc-cfr. A daily ht; relit is I:a:d fur
each d•9y of hr.,s pv?-I 30 t rr:5 ter uremploymert in TO' r,
PA and ais rlality in CA (A Ni I?0I R3 G Sr- Yru May
7im.,•Cl lhiS .Vverap?e ;A any lim, :, if cS:tr'= l .,I vwhtn Iti .t
30 days of cc- e:age all p:enlfan:< will tte refunded
Exclusinny: Li!,: suiddc in the first (i rto nih< of
rrvflr:rf;c• unit NIX. C- hSr_:I Invuluntar; tMvmj)lu'rrn+.ut
+etitcrncrt resfignaticn olunrar) It?l!riu:rr. o! rr
Job loss due *a wdilul ,::, mnittr:,l aus cr,dua dzZb .I)
cmi'res in ll.. mElili,rv disch?rkc. I:1 l,"Y rental sc.-worm'
urtrrrytlc?,lnt?nt in 1'\ L`isaLaiil r.r,rmttl I:ri•i,r;an+.g o;
childbirth {not C MA F. NV1 intcstiun?l!y ,elf•inllicted
injuries trim ,4101 r,r a pti:•r'xiEirn;C mec:cal crndi-dor,
dwing fi15t G mnf-01i is roof-raEe i60t I'll Fami") ?rare
is nc(Its alt x;t ; :IJ :' g:,IU rr: cli ii,le ic.t crl !ectP•IIIt:
nlr:•:rt;,hrymenl ';,crrfits ,-.: ?:.+ rI:SaFled
l lri:; k; cn!} n L-00 i:ecrif>Lrnn i1: CcLveIar c• and co:ef-
1p,QBFJfyI: \'Fta1E. )??t 10-!f 1:. )our R-r 'I
Ira1 explanulxw rl crr:arLa
Costs ncs $ pQ rct J.lnrltG n Rr~•cint)r Unifn Bnlg!?r_r..
Costs apply tc Lilc?t 1 Disabilo:v IN Llntemployrrent W.
G. ramify Lvi:-ve IFI Al.. 19Pc AK Jtt: i-2 99c. Ate: 97 5c,
CA F•9 4c; CO 'i? 35c L1* 42 SO< GE 1,16 cFc : LIC 55 R; FI
69c; CA M. HI P9?c IU 45;c 11•S Lc L)1: 4z. U`4c,
F 20c). )L Tine: IN 9(; IA 95 fie (L 7 -.c. D 141-e v S.tc r
10c); K5 I%!, LC: 1:'1' 97, aC I.A N.9 7c: YD IAA M. 1,;
Nil 85 7c NUR Y" file; Ys 55 %:: !.;v Ll )r; MT°3 4C NP
95.8c; NV 95 1: KH 95,, NI '47c %I-M WY 5c IL
6 fit D 2611: LI 16.9c 1. NC 7-1 3c N1) 91 IC. OF 84C: (T
92. r.: 01, 64.7,: PA 8 Ir 9'? RI 93 :5c =C M: '.5t,
Vp Rric: TN 42 '+r:. TR 3 7c I! !.7{ 1) 1 71 U 16t 1 1.11
91.381;1 2841: N. tear:.Lln-1 lc.FIocI: VA84cIL61e
D69c 114(?t.F Qci;WA L?ac;WV 95'2c %VI93inc IL
i w D8.ric t159c F':'GC): 95 5c
Availability: Tl'ii!t crt:•iiu?re I; nm avxkbt8 In E
it oltm ary Untir;Aoyn;-mi fs not avoil:Ibic in MA cr -i
ramrly Li-Ave. Is nvt a:•?ilsble to Al. C7 MA NIS) MN
dl.S. Hy PA. cif TIX
Un encr t3n?Comoanier Roll •: Inv-ohm-r,
U wwiplownenl. Aviv. lian Seiloityi1-01 ?5,1+151 LOI
P4Y(3/93). AS LVI T. 'I!d921 L41C: IP•K5 12?:c,t and LC II
IF: Sumc'aid GUara ilIVSCi LGi (5/h5I 041-1 I;rd}I Life
?)isab'iliy. Un:trr.5'ur.tmr) Siar chid c;e:ararn!:
Utc. ;TX only M -i•' t8:?-1It i 931ZZi). rr oN ?,dc 1'qi'
U•rt o0y)MYLIA001 a: and Amv,nrart Seclllsy IN}
Disability rnlyl.'V-S•A. raruly' Lcase; Anwri 1n
SOCJnty/FL 1(4'97,1• Fl P-rl- I12M) In FL• FLI'-NC 1. 3AI5:
In IX FLIJ-01,. 1-1,1171 i. t7K, rLP-\,.n In VA, FI •IP
It%Z)1 u9RI in A".-'. FI.•IP 11'97) in !L G IN FL IF••):S ( 1299;
In KS. FL-)P-1:'}' In WY: Slandaid Gnarar.tyrl LP
fdN'I it, NI I Urlon Sc'cwtl', 1..IIc FLP•?;^ ('a'9171 In :°I'
SoNdtrnt: v't:nte IQT tbas:aippi crnrl Fic,;ldr :Ilse C 4eriee
?; Gc^tdcn wid Pame;a C+mic respeaie=iy
This, ptoduo is not an Iromed deipg5il acr-cunt i rv=:
I'DI ipccied is wr puaialiwod by IA NA America Bari:
MA .nil i? net ? rundilicn aI eFraironsf r:n di1
' I.e,S Pa`a dae anti tvu credit limit amount , to Pal.
c::.r:;AEp iki;i5 5??, ct the h>rl3trre un your data r,i aic?;,+il!ty
r;,ic,.?!:+ in idY<itrre;ep•oysrh.--minilownpa,ytnee!
dae on %ooll bate ::1 ; 55
•Thf. rwmmb,: r,' rnc-r„hl7 Ix nc'ia paywcntr will not
cac_:d?foriamil Irw.c lilot unetapio}275PininAl_.AK C:
IL. NO hM. MO. Wd. NC. NY PA SC & TX: i? lat disability
ascm tin C-N. W. IN, t;5. M.1, N), NY. Y.: TN.T%L WI
NY. H) S TX Residents Only: Tu purchare coviorrgas
separately. write to M;w aul :3roup. PA. &ax 10355.
All?nia. GA 30*30? Applications will be 6,wai to you.
I.,,8NA -.merica G:,4- N A is :Ile esclustve Issuer and
?dmtnistratcr •rf dtrs:+nd ct1:et P?Itir,:ur: Pir,::.redit card
account:
NIBNA AmtntaC+ :{ 8 ledvrally registered service rm rL of
l%1GN A ArncricF, ?ar•I; I, A
+tj 20M MB NA Amenca, rxu . M A.
NJ T90 {Pecised UXVLXIi
L SC-58
411 01 t•'.fl'IN.1!.01 Ih431?A-LO'tJnc?pprd i,OUFL)
f
I G??dit Cord Agreement I
General
in this 1?aaclt Cwd Apr eer•:ra q-z : c f.:- * you' and
;r;ur Miet tip t_rh and all of nc? n•:rsrrp , v-hn )crrr,- .,
Cr?•rti la1d 1SbW?d b'; u: id x1de•I al, d:Xvunt :•.!• I'.OI[I.
This r_t_;lft Carl Apraen:era ;the r, reemeni't rrmsist:-v
of i11ie docurr:.'r11 ou(; . tlu. 1, IIIS Lech :;C;nilitiDrlti scl fa;lf l•.
m !I,e Re;tulmd rtCClel :.4:?:iC_.itY:h i:v ou'l• 0 the
acccmpan. mg, c..id car.:a: v.Ftch ::• inc•rrpoiwed I erein
uua n!_1:Er:• a lean hr:n?a' Tai,• ;rnl:lp ';:i'. :on ?1U:1
:.1ONA ?snerct+ meall ;431ra. A.Fnerirt; i.'•sr!k 'J Ii
'NIit;rtecu., ;t ,,. ,Iti•: :1.-, dri l'ul'll }t l! n IVi tl::1,••
le iT,S in :fits Agmewent 11_u Snr,Ulr. Fivri , Cut •_c?7
helore.. you u4C 1!
YGU• CC•.Iz l-d i,-.1 il.Nd hi r;l*N 17y JvIF.i•J%•, ri•p+:!'r,i.., hIS Cl fit
alf+ib: s. i}r as r1:11gcilr•F rrrsaelaiee t , MwIIIOr 3pdrO1
r-.'ired any l y.I:r;c!Ej.h,.)-C co nt*sa'.for r with our %pica
.elfin •aS ra :la' 'il:!1::,i•ri :....... r,t nn,' of :nLi?? ,iaiil'¢irlll''.4
Ml,.e^.•atitzee terms nol Mined 1-,=tern shall have the
nti•c,nint r,=. dallnF-d in th,s ftegl-l:ed Federal Datlnscres
I iEpi-matian Gatheylpia and Sharing
Froa.. lime to rime ue may uaialr. upda:•=d rnlc.^ ,.,
1:01, nll:nn yru incll;ding foi exrnnple. credo ir,lurnr::
lion 114: n•w,y =i::;tt: inla:nation about. you with credit
te.uOtting yf:enr• (!F alld C!Ilu'l IFICiudiniZ rnc•uararus :,ud
e:r,•-,n? cornl:an::•s ul`ilrab.:(f 'rroh ua 'iur ntr:g +rqu,a
brat folunaaifcn aboui you n,•:t lie bbar:d arnc:ne Our
;ifffll,-s i . i than Itimi-w% penaitnng solely Ir
1r,.n5auiwis or vxpcUi:r1ccs br.twec•n you and us for an
NIL'lyAr"mv!ca;aAsh+let b-, v:0wi: it., id 14-if-IA Alliliaw
Inicrmatlan51.;win . p:J l'•ox 15342 V:ihnbgtt,ltr ! E
1955^ Peas= rruande pour nr,rte aadre_:i hOnl,i
lS
Iinne rrU:fl"KI -win ;::1 MEJA Amenca account n4mbers
if .ru Wir.:•e that :rr,:r: rr<!e r;l vil.ompl,ae a t,nrrali u
41::113 Wit; n: Will accnunl has beer. shared b; L!' with 3
cled:r anp, nltr. c. ;. w.1114 in us )I fd611A Cledir
fiearttln(?.YFeRCtes Il0 Bix 17.:751 I.Vilmingmt f?E
199114-Tt154 Flcarc m-iur a y*ur item: adc!tess. livint
I:hnrna uumlici, and arenurr, nunbt-t and explain wh:ch
va'.113atii-71 vo I,' '..>•3llt'yti• i5 m;.ruvi;:e
!).' Illi.:,lnla!`:r'
How To Use Your Account
ti'i;u Wray ua :,c,) : c:,::[1 tc ?u:chasr cr ieirive
GnndS or :E: Aces I,1:1 pr:- ul's whu hand: the card No,.i
'ITaq 'llso 1%5c Card :o co.
":1'•0)' 1':•t uSc r Chec'r: Cii-4i ..dkdmt or an." nihrr Cask
I ndv:,nro. In real:., n ?rayT,ar. rn thi; ,:,! yny alher Ltelli:
accuond v. ,ill, !JP :twi r.o', trE'-' Cltiir isCLULr; 107 6cL?S•
r.m. or commercial pi-xpu •es
C:rtain ematlisiancr•.ts m3} .ash ;ce: rernor::l cho.` =
:rpn ptu.emmem c7 you: card :n rhi ev- m
:cclda,d lu I:a; the anfoliw o: a f wd- cashed In tier at(:'
:.,ecsute the Check is net paid for any reason. we will
c1-impc pour eccr m- :nr a C.a-h ?:•-1r„r.i e to tfm rrt uuu i 1
01(c)d.rk?r!rl41.,YIv r'zsinp.rhm(trwr.a,'tuallyrrrr:ul
rl ),c,,, pema, an: I'fila:fr :i• h:,4!- ;i; ce:;s rr, yol:r Ca1d
ra aci vW11 Iituu."ot :cil it the .iulholizatlan it, rnate a
dnt:ca. you may lx•: IrKbrc I-.rr t V cnzig.xE• mod- _ny aai
)-ar,nn Incl:rdink 'aratfre, 1-..r ::'bie'r you may ncl I:at'e
attended to to bable
11 te lronwct nn ?i;le ICl Clr<"LI: La-,It Advances Z!nd
R;t;,nce Tu rde[s rc the clate :'uu c•: the per son Ic• ;;horn
the chrx•l. Is made pal,ude find ceT,rcit? ni ra4bec rhr.
7ho- nsmsa tl: n dad, for a tr;anu d It.-lytrtettt
Moil, -NSYI Ach'drrte i !!; V- data Ilda th,'. CUraSpri(I'.hnt!
pdymeac io-oud tv yrtu etlrn:t+l
)ou mir: t!:gcctt i; stop p_yrnom rn't Che(*
r?:14a:trit9 iiy pivedi inr u: v: dh tic cht-i k. uumh(r dulla:
;ii a mt and pap!'o v'r 1% . aS they al:lt+.ar Un Ifni C!IPIA
C+e•hr°.[hnrag r;ral;uld'.r.alb•rtSU:;ppay!l-ovilrvkjuK6L
cm 010 Czi:h Lsivanl.r.•t r:te v relive Ice su: nonlhc' hcii
rileday :ha' place t1:= en year =ccc'um
'iou may rivi usiv r:+ llovd.+:['tl Ci+:CS Cad, ;i;wance I':
olta:n credit Lai'Cr yL+:)1 bccjvrIL If you do punid3t_ a
Cheer, Czst F.dlance ar£ Ma el-ct rC horroy it, ul ximi pre
sc:uturer.: r.t rmurr, it cnpaie to th£ r,arty which pie, . -*d
r to us t,m pe lmrni whri :r_: in c.itner C:ise e:vailine rhr'
dale aho=y 0" 101,4! s he:;k ID-'41r ' J:a!re 14',: ere not 16; "?'.?
1c? you for am km;5 r.-,f +±SpNnSF '+'(.WrE•J o.';•ou a-iSWg LV a:
lint ACrion :c£ elecl to tai,;.
Repa fnrent
gnu pmrrw-,e ro pay us tC= amtimnts of all credit }pit:
Ul1i,lli: ihi5 Wfh.d!+s All I:UIi ISavi<. iaah ail+'aht:eS Ik'es.
_,rmr¢es w1 o visuwm;r !:, •: r;l u!nP FcSS ::r aGt:R
=!t.n11 ;? :_".ut P,v ?.
}'cu- lecourd and
i Ycu nfity p..".. tfiF•Pntirr, c:l?:I.'ll Ua1::2nd15r ai d'7;
I;m,; 'iaa rwsI pa;: t e-Ii ITL.^I tI? bl Fc i.`•.I lay Tnla1a11 t:aymem.:¢haun or•• %,na! rhaah staler-lent it irw *,•er.
ra; nl II ? ele;llt 4'is:nt:i? Is G::ri^v:r._ : C•.a'i•rl u.:?-? Y
a!.tuum :?•a+.:ili n:,t pad !:ucrt:H or, ctt!ia; ;
p:ivrm`ni rrlll be alii,r "li vil ;-I « n iaa:ra we
Cr'Tiall.ll, !r
eu:51 rtlslanr[•P :ve wll: allr.-ar!• ti•.lT;r c a:a,as t;; ralrl:.e:
onciudtnlt Herr t:ansanic!ISl ;crth I,.u. t ulzs ?: to,?
balar'rca with ;.Tpn(-I iu'1•:! This ,viA lr::ull In n m; i ;•
ar.Cc's •aith a lowc; Iste u1 tme!rc•a beer.!'.. f:a;•J Letc•:i r,ry
ulher esi?Ul:; bilanr•ef ;+ f: i?.mFnlc a I' he ctr:oitty Ic
ycul .;rr.r;;rnl Icr Ihr• hNlm;: c' Jo a -.iuEfl each po, .menl
i5 FI"_C.'ei7 :SC::I'i': pt t'CUI r•':a:lr:hl,: uedu n••:_t I-c.A SC
w xr zi ed -)-v tI;F ;--naunt c1 trot I; me-n., cart:! yoji
lund? hr,. decltd \'ItImmn Is!onli,:> r.+},r,ents r':+-!-
nca 'naae in :;fiar•. v and f_--r:nrrns n ice :n al,t
billing c?cie which Ste i.!e tr! r!r:,r the morimiwt as
clue will Itra alw--! -Hit.aticn tr, ir*Ae
cucol min;mu:I, f'b rle != r:7,C'1: rr'unth. We •_s:r r jc:r;
f?agrnents aril dertcnvmto! it U '.n n.;t dr.1%I!
on a U ; !:.arl: Ida payv,:ut shol! ol:r,lair; at r,r arucrd
and satisladtnr, v:itla::d :he one l tc rilrer, up-pr•?:a nl
r•!-ma+ ulfice., o' MAIM Amerl.-.
All pcrsi:nt: •; i,a InNal;l • cr a 1i7?!:ip,entiy re qur- T
accef':I in u::e the ac'coo-t a:e tcelS:idunils ,',e tq,,all?
loprnsibl?• frA all, :aa;lanC:InQ t:A1;31'i@ it vw,,i c!: Iccn•:
pc•sc)ms ere c ;puv>IbiE IQ pay III. volstan.1m t),.IaT'•:e
a;r ttti } I;Iu r• U) Meat:: aa: cd liu; rr flan until
?I! r i tiu: unr•xpi%.-J cards c+.nstr+n•ilr, I:r:r'er tlas ox•rol,-
h beer, retunted 1") as rcul •.I,e l.'alare.. !e acid In 1::1
Reasons for Requiring Immediate
Payment
Yvo t+'ill bt in deli vit and i-prim irrtn ir:<,te
pitVm:enl of aU amcunir, vc i It (I I yrn: I i to maf:c
Aii? :equi:rd n;-}:nenl by:l,•. Nvrn rt C'!n: (' !e: t2l ,r:ur
hcW 50Iw;C,_, -I'olal sxcefd? dour elerll' 1a711! r•,; Ii 'Xe
iuvt r:-,Lt? h:iea a =e: 618tc Iasi! ctedt, iirr.it
iot yc i your ^:IIooodrng Cash i5d-•. e!:C:c cd-xnrt- eyceeC:;
yr.tul Cash Aii:•encc redil 11,r4l nr 1,+1 rnl: tai: to ]hi c
by any rtl•el trr:m_ ci this Agreern:n,
If au dr•1 ull uplesr ntn'ubtled b} :lp;d+cihte laic .o.,
? w
*bOW
te!°. al=°rf li•lJtwt you IC, pa% Inc rnI?fmlmr, ";td +:!)uK
cc!:t= we 11'Cur In il•,! ti,licrl;i,l'. I.OLIceedirti; atld a t{-I
:,G1?301tc altpl: d: r 5122 +t a•: I,Sii:r'.'w 1 accaunt Icil r:1ll@t
I r'in Ica ,iu apC.rr.ty al;: Is lot crt I ea:ar d Arril::k5 ce
toiaa !o f?^_t,:cic an; ai :au nht.yl n ;c.:
C ,,w
dr:halr .;*es net Imsan that we i:rt unab:c io er.ercia::
!hr.,6e rign•; up*n law rirl:.ult
PairIneni Halidal
tnrt, tt: e,ma a
We uti,c yJlrv: ;:eu Lt,rl: tm.. to
tnv,rtltly Peymcrs We :.d: n"'mly ycu v:hc:r thl; cplicn:
i5 at. liabhi. It ;;On omi! a (: aarnent FwaiivL•t Ch:an.:•:
er.d crN!it in;•ur,;n:e I'm swums it ;jw.' xIh 0rrrtu:
Your in arrcldsn:e with ,1-i.' p:e;:r,ent. Thr
iccloi:Fme : ih„ t :•c•u m51.r::: immmurr, i aymenl :ata,
In4r!h •4111 toy. tme'ahi,,voig ycu: rmymurt holld.r(
Ctlarcles Made Ill Furth ll Currencies
11 pcu Incut r c m re, u- ,'::=etFn to II rIC;:. the CI•arr:•;
w:It te! rnn?•;r.rd bj tn;ern._lknal Or `.taslercard.
,ieuendillt ;rr.:atinc (kl.l aau u5c rr•,o a
i G rin!Ir.t ?.mc-lnl u: ,"cadaver, urtfi the 17a+:rolinf
rCr iNna^'is o, rrmviiJ7n ptorcduve5 to ei!t'I t d! Iha
it/ne'hst the 11, nbaulor I't ;nr::,-,ssed C.uruntl;: th:tyr
xutJat;cns aril I:+tccedclrro hn?:ati': that lh,_ ctlrfCai ;
,.cncersir:n rit(_ tr•.1:=,:s;';1 ir, eirhPt t I} y -41-o,:sah
rnar?cf uti or 127} a pwcinmCni rr,a',ctcted rate it- vilto
-:ne• cav Irrlt+l ;o ifie crrr aIng dare mcreased !.ry on,-
aert.nr in each crsc Vlti, or h'asn:rCa,td realms ihl:.
ona I,r::ctr.: a_ X'rniisv ,eucm h,I pedom!ng titr f ur.en
C; ,_c.v e*c -,r. 5r;vit:C' TI!c cblrtnc;.' cr..•rlvc;rs!un rats it',
"fled or, rkc;Ymemnp rlate way dMer I?om the rata
_Ilen or, 11w nansacrtorl ok-ae or the, roasting gale
Billing Cycle
blllirtr I. bums r.r,1112 day eltl:r tin claim f
Itown ru. er?ln ::reaufr a :re_K. ing Incrdh;y' d8ll'.IYIU,:;
and emitt rn Th.4 date That :,1;peat.: Of', ycur
r,aaunt: aalrna'ro !::n the •:u:t.I,t rmnih
Accnttnt Fees and Charges
Account reel: 7i1«• t: ;loxinr? ;ewes. -;I&Rh file set forth
rat ourcaid earner are as: esi•ed s PwmfisEes In the
blllmi! r:•,:;,•• In, -vi-:Ich si:ch charpp[ accrue I I'l a I:at•.,
rff: 11.1 •I'•Anir:cxotinf it, :.. :•II:Irlr1 +evrn If'rt:'d 4r
-Inc PCe rrrm^ r- a... .£E N'. I.'-; w; crai4 • ?•JI:1 N, t. alancfi
i::rra ir, c.¢dn Irln,t l or tlltt last day `I` n
l;ilul:}: c;'.ie an Ow,: il'r,l iv r r. r idrged to %ovr
,= of the cSA}' 111 -1!• I i hra cycle: 1%m TLlur arCovl::..' n
r••.- .bt, instil: hrr,it ;-i , Rr•r:r•cad Va- il:nr ree C:. .
ii 'nm on tour icco:nr, . tL.rr=_d for ilsuliiot -7.• londs,'t
Ict any jliwi wsvxi Lt en if d gg pale: upon ubseeue:v
hn:5r i1mcisi. c•1, a RCiuiiv.l .lieu: i'r.-e !f vr- lri,:,n
ta, c'r. Cash, !iC:aliil; c:lg:at•.i hn any II Ihr
?ht-i: Cich '•.rt.9br.E it paid .y:rn ctrl >,uzra F•-esr'm-
inc,w; C:I If ync: acco :rti i:. -i*,(m'I 9r If }'GJ llalntci!I bar
.Srcoual balitnr% anclher l.u have.. wilve cberglnr FI!cl
Inn; <a ati Arrittat l ee
Abandoned Prupenq Charges: tln:csa VIIIJItulled bi
rhi;cnLh: i„r. .:.• wal ?ai:1f c ieuc a._ce rnl as ci
rr.rr,!Iri:; for airy cusl5 !n,, ulrird by us asscidatcr: sal+
ten': lylnt will, 51a1r: r,l,.,!,clured F;:.,peal la•x:
Additlonal Account Fuss and Charges: ilea-e wvwtt
itie F'equtled 1'ederel ,icifoiLnet; eecllml of yom carat
..mmer loi ,ciahifr na: It,;t ;ai;i churFes I m- may al:l;ly :o
': r,Gl :!a'r•Llill
Benefits
.217
You r:ili be, lcltd rt-lr..m Lcrefils t•:nfcb will GC 51::=
gear to the lestrlrirnu !!atllr.ed tr. the. l:enefa, b-i1 1!U!,i
povidc•d Is y;n: hi. 1:IF,P::..Atrenc:r VVIA 'anew...
!esel•res tae F:,,ht Lr aefusl adrl. Ol d'A' b, beneflts ._ro
rti(crs.?'t dry lima, and :':Ith ur ticiticr
Refusal to Honor Your Carl
'W.:? am Am IIaI.It: L:,t .,rr• 'Plavd tr.: I'-111' '
a •ait Casio Ati-awice n >cr any' imcrit,wr of ;:uur ON;
ban rt -,m s{•@?r t:r lesser of i:uc•d-
nl =r'rVICBE.
Termination
•1!re inay smipeva ca 16!Crl!IF.7 it voix right to obtain
cle,nl al any tlnie. inl Irnt, :Cd>l,C 'tour ob1!gwicns
udder this AIm"?IWO u-r II-tar: fi:=n chef yr=:,r IiClll Ir%
alU.cirr, cr,?& i.as been :u_;_evc&el w icimit,ated ':cu
Illust reLvili all ere?_a earns Ily w c+n request
Amendments
l!'e may :;mend tftis?:ctiwnl!?w at and .:rue b;• ad'mr
w~ T a
r.:raetrn~ ;.r. rnanctre 1J:r:::"1:'ni tt. r~i+It"f,l:da.'9 a'ttlt tl.+:
:,)~rh•-shlr r,~tai<ati; r7 r[ctu;:_:rcr~ : vt I:,i~::t 1'~ ~: and ii;,r
la:!'. •.ilhe Slat cd :iNi:;=.tir•: tt an arrlencmani t:i•.r; yi7.t
thr iq:l:+ir.;mit~'rr fet.~ r!7e elur7g(: ,red ;i ;'c•'± rcte.: ;i,«.
ei-,7t:4e ut tl,. n7<ttln!v pt;,:ii~d rr e::7ci:.:r7r7: r~rrrr-ni ::.
u;a; :c'rminvlta trot n~~a t,.::eti'+a;,e:.re~i1 aad m~ s+:;~::rar
Iv t=tuts dll Cterii7 ilFek2u at ; ~:umiailx7 of yrrv t~~:=•:-
tli,n Tile;,ntr:hied.alv7,•,mr-nttirctt:dm;'~eph7nhr•tr,,...
t t to hr t hit. h rr ch,: f~as •;7t l ee p. ~ :ci `.! af: pl?' t a tin e ent i l';
anpard Latenee irii7ai:r. the e;,:nar{c• ex7r+t n!; a•~tc•tz tl~"
mradmer+t hura:ne c;4,.Ytiv,: t'.~ n•,Sp rt=={:I~r~ tnur
creillt r:flrd v:7th another cani at rent' t:r.,e.
,gSSit)JIItlCilt _ _
t;'s ;rae•:rt :,n~ !rte ~..:; .:ai7tr:. nr>t.e tc gc+u
05r:7gA yuVl 9::{+Unt hi.) a1R' r1t7B !;r: ?<pfl .. [Alr'd.
rju; :+t?S??nl5fit br GUf 111, hi4 rir p7lta0'.ICN1i. 7uxJ"t tCUf
r+ir:•'+unr nr this R;lecrum In an:• ferrc:, ut t'7,clty 7hr•
;x•rsnn r•,r [:ritr, t•. wit::m +.,: Ir:.,l •. al.; such ~scaga:nrrs
!;t;cJ} [,r Frai;JerJ !c, a`I n: cu: rlrt: anirr,r ohlaazirt:nr
err~er thrs A~re~:u•,r~nr t^'i;e rste7u <7,cl,;r,:.r)
Ct'CdtE ~.IJtiiE.
'iau~ Cscait 11n',it : .,.v:n .n. 4i't . rnr[i cc,rn_r a :d gt;lt•
erni1G ar+ea{17 tUC:I ,r,ls z;c*.emeut 'k.; n:a)• cJtan~c yc•:fr
trctlti Jim!t +: r io:rtt~ J:,;,In t:rrrc tv tune. 77r•:i m a a! a^t iI:
yDr: it the dc. a'.= la<tl :+n:cnnt ,~(;feda c,utstarr:ir.,- ,
;n:p tirtr mue! rr;t t;•e n:arv>tst,^.n yr.•urc72!ia 177nu t1'e r.7r:;
:rlst+ r.:;ra»Eish a se7c: alt ,.:rr'tla !imn inr [:zr:a, ;~dran:•cr, tt
tNC~ riu ~'nu r.,utss:,ndtna t::=s.i::'t,:'arn:e ca!,=.n.~ n' i'g nm.
_-a:c_cii'.iriF'~i?rill r!r!•:::n:r :n:7i'.
Etegtrc~st for Crc'riiE. {~17er Your CJ•cttiiE
Lintifs
tl ynu rC:7t:G.4t ~ rtJ1E tl::tl''; fntm'sh7d; tt rr:uttc~
::curl, ud•sa7Et ir, eitn=r yc+,Jr rr.ra! i,utstnndrr.~ bi;lant'e ,;r
your C:.,;at t,lr;::r't+: t:~k~n_e :r:7;1::[fine•, arnic;rlt2d trar7:;:tr
;icne• rat yet pogo ~-: n yelp acruurt. ik-irg r~cr that,
i,ur cte:iil .Inn! I,d :•; r.u C.•-,eh nC1.i;:ICU rr::ilii Pima. d .aa
l,:r!ti r.'4t:~ 't'it5l i=d U:7::1,1 y'I;rr 1:!'lE(;7e! U7 ::71i ?.1-,;1'i h31-
2nCC JIi fCJi: III:? tcrUE Et Writ? hifri'C Thar th:C 1+?5:N:CtttiC
cs_dit hn:aj.a•clrra)• f!fhers+: tttr'n'•auestu'nfxzut;r,=t-
rnanrlitlp tals!n+~ ;•uw cto[ilt I+mr7 1':I.77cnvr t1::- re~t:es
Stir: 1rC%n tilt. 1Mr+Jnt :\'l:i:; 71ti n1~71 _' f{lafc j9,;lli ::Si!Cil 11.T,st
ttV-
~'+f r r''t',3 J Ji ,?, t j~U :j`'r rl',n' y~ ^IU2~ t ya,, tilt- tJit• Iti UU,frl
P.J{~,, YCw Cf ~i" h r 4`IUaD rti+ li.:`f,r) rHS`, t'Sei r
ln,rf".l=v"i °I::n:'8 J:b,tcl.f tcu 711x. 11 n ('J;c•;:' <'i,ia
'-?xtot:ct 1'rst.sle i hr.,-y, ~ y,.J. r -,r ati; csrnt:
r l;Bt: s•~'7nr+:t
isrc F^c~flrt;~,, :,jtili 11al tiE'::r 1_.
/suds ;~? r,,, . `.. ~ IUhtcf, rh:r tlrt,r•
f.?ai:,l:cl; 1'r;,rc(c:, rr, to -) t•'t: '`
,J +•: :rrlr [stfn~r ~ r`~' Caa'; c.dt.2nce cr
r ur rr+
r }•;: her .YJI; Hr7i.~cs:Jr,:r~t~•~c~±~i•1'cducs:rtr 1r,77 a.,:1i- r.:•cf
t tun c'rerJf:r.rt r- •"'~ ""can N;yr
~ 1+?rlllt:i.r is C• M7)' .i~Gp:c ;; E dECrC+« t0
t17n, c r. i:e, l:oro, eu:;
' .r-',~e:rre,,. c r:'lfr;lr Fr, r a
' „s prao;dciJ ir.
UrrrruttJOrp~rd tJs
~ Fie,=a „r.:u- ; : r o(YnrtJ• Card
c::tiautFcr _~d ~ nut;t~;.JrgF:i
cu: ~crt•irr' a; . / rl:i•tt. ar ose,l.t{,
Cotrc'rJJi~Jr ' e Nr.^~;,-c„t7t
' ~ i'It,s' Er~titr t..Rtt~t:,
rtn;
itY thla la!':; o: th• :+ta!F tlt• 7n J:!+lou;art' 1 is
rcrtffia•-, :I i{,)~a ;p i BpY::rr:r`7<,
%'~tt~:r,J I,rx;; f Ia,r.~: ~rrnrl-Jes .ny b t!'ahr.:rt n-::erd t:;
l~ )' ary afiplJcai,Je
ti:~ rr...t r:.
ri::irr cl)• Fryrw ns~ 11I°caac- rrr •a• „ fctlnd ti/ lr, in-.. ;.
3 r. Af frill : {f fatlvre ar dyJa}' Jn esar..
rrtaafr rNr,t ~, 1Rhds under rnfs:tRreene~l
~i/J' r:xt3l:lg,~.:ho.-fi ri~ir:> later
nir0J7
s'r::U ;,,y,~b;tttstivr plc:vi;i7n~
j1IUl't5([>7 ~.I'vGq thx nC'C: nr:rir Eie, aPPlY to }•r,n unit+•
)Ctl "+4+ {l t yl ,r; )r7rt r•'ic! ~^. It'JCC r flrtrEC2 l7tp r+,r}~tt:5170rt
a !+>
rr~r.?htn~ [hi,~~ r`rlitlf:,,rkq: I,`c,uif r t;~lit~rr,7F:rit~ ~:?
rri'; {. unt cit tl;is 4 ce.rent sl:ali J~ r uc
n..oar.tccatrr~tnt>re~tt=n! „...,.
Arbttr:,t)on; Ar'4 claim. [,r rt,r , b_I t
efth~r o, arf
)•ou •. r u, J.i.Jt ' t [^Jain:`
crnl•;tcry'r7,s a~arzst l;t~ with 1 by
r ''iicnt5 Or aLS• FT, Uf 5~.3:rµ;t I}7 t..
•'iun of r f;,tin,~ JI. 7r.. 'ins of Uf<
Pr,{rr APrc'e,rn:7q , ) a°')•tr,. a Sher aroxir.~
r 'fis..fr~fien ~r ,
rlatute in-o:r:rau i~,~rt:+t:,;urrtu'hr-:);;•rurrlr:•r; )
s•,ar~[•)rdimaK~s '}er, , • or ntJrerwi~,; art ! r.
f':IJe,t.Irn'Itrr!i., ~ a•titsurlje nt :fru'!t~Gle
.:rvr+ 1•{> rlalrrrN Rai thira:e , at e4r.rta
this , ••rdtr, rc°~•:
cn Satinn l.tr rh{. y&!ui tr ?f rlu~rr•~rrilr ~J
- ?
bOW
ae !rrnrffti,t=1•: flu- r: rr,i :?luiri t:, I•.c+nc•; the tt;uuetrl
tyre may Zd:•is? the net;or v,ir riad. :F.= r,,Yt es; lie' !1
has Lxr n raid •` 11 m- rowu To IVNI:;t A Chore
Advvice cr P;31Liv.,t 1:att.t.: we ma..- dc• to cy ad•: i_•l:ig
the (n ISt::t pr;.<rat,r* the i hr•rl: C:,rt.J• :v^'.':,^r=.: r
aylsrc? TYci.;ler Ih?ti:?_.ii: I,sy _,eem telu?.,:d. Fh+I Ilierr
age snFul,`icien, Junda :e pay ilia i r-ck Cash P.dvence -i
i alarcr, Tor;J?:t o! In ;nr: fahsr
ll we fi;.w fife-oc. l'i .•?f:'!r'':^. i'I !CaLJO:;15 IN cieli-. rvej
hvrpr
pur rxAlt lii:d: it dom. in; wean than vr, will
Wither adE:h:r.!t r_:It:F !t 11 o@ decide to honor ouch a
icis{uasr wr may a•. ^.s r. i;rc r'Irrtr Frc? ,;, ?,rr.?•.tdr7l Jr.
Am. Prtree!nenF
Maul hoiNed Use of Your Card
Fit i-e rr?•Ulg as tnictcdraleig of the Ls. tLilt, ?t :r: =ed,fe
t:naulhcttzed u:e cf ; u:::cc:+)rr a:
Governing Laity
TMs ^?r?Crrli 7:., it ods: in l:05uci4 It IF. Q(:V::f fdh:
by the lav::' o! :h-%, sum,, :'I _ielijare. tk-:Ihc:ft rvvald ;.
it- mriflirt of hof: Fr.nclples and by any applicable
it any part of is loured to be in-'sl:d
die mst ienmins efl=ctl c Our fa!Iure c•r delay in exer•
ri:a(rt; tm;: of rim rights under this Agrumeni does not
Irmwi that. .t :a: umahlt:• To exgrrtSE• tl.o-[• lipits Intel
Litigation
The Arbnralfon previsions Lelcmapply to you urJttiy
sr:u .vsvt V.t•,,c , the ! ppcr umv., to reject the Arbit:auor,
ptavisioa8 niid ,nu did ric reject then. in -which case
you agree aril .pry Hir.aril-: I:rouel t by tea. i ;alnsi u-
regarding INS crounl or 'I:i5 Agreement 5hali by
broughi in roue lcmted Ir the State of Delawart
Arbilration: Any ,,lain. of (.it pi.n? I (-I,*Iil):'l Illy
eftheryau •.r u; agatast Una utaer, ur sgraoim the
ernplopees =gents or ,s_;grN of ilie other arsine.
:YNm ;N tctatir,,? It! uay tr, this Agrtflment r =ry
plthl Agiiltrww. m yow at;i,unt vwhe:h:tr under a
rlatute in C08:rat1 t-or., of otherwise aml whethei for
nttrnc•y damages penal ies or declaratori or equitaLle
r_lieft a;rhrcllr:p Claims trgu:rli $ thr• appflca` Olli, o1
this A.rbitfaf lop 4 ctif+r ur l ht v:rfui:ly of :liv Chuff,
*b3WV ?7
Apecm .m t•.t any Inic:l ; a_•«nr:r.:.:lral L,e :es:JKec h
hindinn arbuta:Ion
Vi urba:ra;iur• t-h!ili b=. ccmducte b-,, the Natinnal
luhtlratwn roru:n i NAr' Lrt?c I the( Cud,: ,:f pri,CQJute to
dfeci at the Iirnc+ IItC :;I:iit . it lik:d RuN,5 and 3T.1s Crf
tht: ! Eo:i,nr i ? rLirsaan I'G:a r• rya-s-s Ir: oht. I- 0:1 evi:1
Clurra:: may b filcc at an} ?tr:;:c r,:,l AuhitiF.In:n Forutn
nl iro. rtvrv;,t1,•I<.nu(n _aiL ^•r HO. c,ox 5L,: W
..slu r-.:apoiVinrn.;cta 55.105 ti 2c6pltol'ai 1•hliil.•1T? ..3ii
;f the K?,.r is un,-.blc ar tmwi!link; :w:, a;. arbitrator we
trey ?uhstiunc srrdLta nsrli;nagy n?ct?n? ?_.:rid?;;cm
le;u a1blLouon organcarior. thm uses r, r1rnilat codPe?i
pre.edure At vc-m R Iilti n n•quttat rt• vAll ad:ence 3:tg
ail:l:iwt or. fihiq lec. ?% rtiutsnati:: nd hinny fee,
which 4^u rile requited lC, pa? to ?rsue z Chaim it 711111
trbUan The atbitratCd will dt-cicht ;e:I:;; will I,x.- u;lttnatef•.
-ponslble tnr navinC: thr; r; Ittf lit :u: cnu -, hill nu
be 10.quhfLd it, :(!Imbutsc u5 iur am;o .+tbiIr2zlcm itltnq
atictilil:anltivu ur hcanae lees lr, an a.,nnl:f: grease: than
wht41 pots Ctt:Itt c• .E:would haze been if the. Gain had
been 1?soivec in stale-cour. !wi?;di -tr•,n Arty
atbilrat-.on heating at e:hIch yot: al-q!ear 'aili rate phice
within the frKicriil wdit.t:-1 dit lwcf. flo i includ?5 ymn
bllling address a: the tuns I Im Claim is filed This zirbiira
r:nn ngruemeru is made puisuara to a transaairm into!,:-
n:g irtenute commerce and shall he gm-erred hp ;ar
?ede.ral Arbitration Al's ti LI S C ¢ I- lit ITAA ) Itnls-.Im::u
an arbitration rc:aid ;:a} be cr;nr. r: ,u;,..v _(m'1
ha•ring jurisdiction The nibiluit0i shall fc,ilc-.w existine
substantive I'm, to the cla7:r•: cour'lelvol %111: the T"V%and
Ippilrablt. ,;aitacrs ra ;irniuytiu:ro -;d shill L•anor cay
cla:rms OI pri: ilg$e wct;enized by law if any pawy
wqui:sts. the wbitratoi -,hall :trite an opinion cor:;aininr
the reasons tar the n:tatd
;d-,C;anT. t;ub:nl:led tc•arhitmtiari jr, heard by a jurt
and no Claim may be b:C,tl h: a.'• a class action of ac a
pneate attorney Genctal Y,au da not kale r111•` tik;ln to at•I
a5 a ,aaSS :c'. (',1CSCnt Bti:h` ql I?nltlCil talc as n meant.- 0 o
lass of rI;dM;,n;S respect to i=ny main. Till,.
AlbitNAWn Section app ev I* Lill C!alma nmv m existence
or that may one.- in the Is: ula
'l hls Arbitration :`w.ion shall survive the termination
cf your account whh us as a'r•II as any iolunraty ney
rnent rd ifT., dchk in t.tll L:y ;r,u any i,>itnknlptc: by you
of mzzk, CA ll:c• ;,bt fly I,-,-
rGr the ptjgnres d the AI'C., Ca1 :1e' F., I'd
us maimn IN+ONA Atla Biiis'r to ;. HS i ,1an1 .u!.
sirflemiec aff<iiates ii::c'isec? cmdar-xrs s;rce>Er, s.
atO;n6 zrui any put,.- ha_r.•r of ,rout anx>url ;md afl 4,11
:1•r,o
offiv`is dite:,mr' alld a55igrlf :11 arr:
9184 all ^1 thel7 •:.f us' 51.'al; wie! n any
thadpanvg-rovidini;ceitdai lcrazls Qiptc-:auct=.la
rar.ractsin :tivrh the acc:-ant unciu6rn!1 bl : not Iltniled
Kl c1Cdf1 b..neatn merrhal7 ,,. 11:51 Fwcepl wtl cr-All
de+•ict Isu?:d urlde; tat acrnur t re arch. or enrr.!Imerd
.--tires cis Ot msu:arcc ccrea;t?e:: debt colk-cto-I!,
finr18}I ri shell Mims cner b>ts o mp Gov:e5 alul agc•llbo
.1 and ovli• if 8uci, a 114d :pan !e ;temcrl b} You Is i+
c.u.-defendant !n uty Ch n: snL &5•'•°_:? against a Aisc+.
.ard-ep-mp set r.•.'!ms?.:bataour.!+vctioi,, yoc-o.
T.,ow sliall n•eifft trr ;•P res•I crcrtl:{ ari;,:o+:r:d i j u>
r.? us^,Ii^ n it^JW . nu:lutfir:g hul r.m I:mck:d by MI 1.2r-
snne t?I enlfllv;; Cutlr'r.rtu:iit;: ea:h?aret; cr. tirC Ar't_ai,nt
and all nuts-calg d ln;w of 'lit!
11 ap4 *,s,n of this . itif,,alif n Stoch0v !S it~Ilnd Ic, Its
u,;•aiit! cr t!nenfoa ea,';a ruder any I.-m at waft(, ccaslt-
i:•vl wirh the rP.A the 1rriliAn lri of ihn eilbination
Secaiall rNA be enl(:rc ahl(! %Vdhaut t.?gard l:i sut:h
IrNaiicfst or 1:rrnla;cra!+i1±1; _
TI-113 RUSLIUr OF TI?IS rtRBi i -. In}v AC:fiC' vE• i:?
15 TWNT. t--XCEPT AS i%B NIDED Ai?Cr+F CLAVA S CAN-
NOT PP.. 1.171GA-M) !t: COURT INCLUDING SOME
CL.-1.1101, THAT COVI.D I IA\iG BEEN TRIED BFrO RE A
jURV. AS CLASS AC I'1O::'S OR kS PPIVA:I E A.M)P In
%r--Nr.P.AI. ACTIONS
Platinum Plus Coverage C)-edit
Insurance Benefits, Limitations, Cods
& ExrTusions
Plalilnror fire LrLi i, p, y;%)s minimum moriNy
F.detnent• tip to w+ :u l-tlauc.r-ou thr datcv) Irrss inot in
exceed;•I5,0001. untii n,u rt:tom i:'1 .;ark if you are
invol.mtanly nnzrnpl:ya:J. ..j-11j. disabled. c.r if you or
.-va pm"e l,Cee• e'cm.;reci is r:ily l(:ave. PikM uni Pins
Cvvmae.-2 al o i:ays +,:,ur in!:ure;i :rt lsi ;rriing t,aiynce ap
tc, tha 1_y5+, af vOw t+ntrtgr,dinj bal,amy.. your rledit limit
ni S.15 001) 11 yr:u Lhe
Ch°ibility: t:rr. mimed `_r rt.aut'r• Iit i.mrsr; neat b
slit, a unary c:,rdht'lder r.r I r'u• pj dirant attlh•: wed us(-rs
ate not eliphle.) 1.1601"1 r,yc 64I'70 :n F-2 K V VA .-*I Its
M. t,A %.If M06 01; in Jf.11 1'curc::,craf,e ends a:
16!^e rzme alas Irxr(:pl 6,01-. l.aY° In Pw 5'1• r• Sit r
uuc:mrd,-ln't at uriee:In rr.I When rtrn:alit .L,!libra!to
"'Al ue Iarnilt, , explaming :'nut to: twwii i. elfecine ,fast is
IA ; unt:mp!OyIt1C11 :i:Yr:r9Qi t'_' effect:\c 61 d-iji; Iwip
}-aur r(!llih ate e!lecli'._ dsle 'r:•r anrrrpl: ;'ur n( ct tarni
Ir Ivi <e Ir n=_Ilts. you n:usl l;r: urull; enployed wmv.mr..
Ell i_ast SG hurx;: I;ta; etal err.:a;ryed.?I tin lmicprnd1 vt
r •rmi,.torl ivt CG camecunre days he7ow flit, date Of lost,
ICs",. Wove arphratfrrn rim-M IPA, - on the date c,f loss jr
I1 F._ICr: rA:'r-rnCC rih?':Ilti d'etn lot unemrlmlnr-ra
E.rriployc:i:s ce I}wkE ,iUaai cS.i.?Ur;tl:Ari> nw)y Ix, .:1,(;iide
Covelaees r Remr u.?: F4s!ul:u;: Fhs (`rxr,:Cc c!nt,n
your dtmmf: Int'niL•MITN' vriernployrr..tnt :ltl.• k, lob Its:.
?rnr I mike ar•Icnrted S,,,bnr <dis,.ru:e r,r Io foot: total
ai .?l,iitt> due to sickness _I hilivy it you Z ire unable to
pe!k,rm t e rnaleilal G <rti:;tanlta! duties of pout vil' mr.
Any job abler Th-p HA In flat a•. 1::4 NI M. TN 1
mtx. In y(sur (.r ync: !-pC)us_ s urrp,Ild itr: vt:. d
als,.w. ctr from elnple}n:rnt due to care. r-,! pouf nev. •t in a.
r:6•v::v odopled child i:•r er inc,',paritmed immediate Iamiiy
mernker imusl he sp•aase Ai ld stcpchtld rat paieni In
At:) mandat•c•ry recall to w.tive military dust. lure riot
textept in AK). rat wsiskw--t at a !ed_YallY dxiatre.+. r' :a::.
ierami k , •!5s Inds tle:_lh; rnusl ccntlnue ?I le.tst 10
daps belwi., la: ar.•ht; bei rn In NY. !m s rAx.., ua:oal ta:
Iebra dhilrliles b bckouts you must he :,nr:mpkr• (:d sur
! rOI:SCtajl?L'? :5'eel: :• qualify for nretc un,itrq..:Yrrn.nt
be!,efits bef•ate iLSncftt hccfr. A ;l,il): I,tn.!Stt ir, patd GPI
lot uremp!nylnent In NY f,
ttach dr,, of Irks o:'rn 30 dwe
PA and ds,Lilitc in CA (A NY MN !'A E Sc. Yru may
riarxel this c;ncrace at art,.- tlmt. if ca.-Ionk-I .tithtn I:n.:
30 ;fats u) cc ee:age all pren-dwv: will it.-, Ic)tin ki.]
C• uclu,inn?I Life :vtcidc• to the lust 6 rnnowl*- nt
:ovi'r;4p. Inch `,1D G Wf,,l Involunta Mwmpluprrenl
Wikemcitt restgmaiim vlunwr)- 1.)t!I;IU:Ir; l7! ;IK;c-u- Gr
lob loss due to willful r;: rr:mm.,l tutsccnduc: dss?btLly
stri're? in fl.. m(liltay disl'herht, In NY normal SQitSgnnl
uucnrplt:yl:,,anl in IN UhaUiil;: rrrlmr,l y tt'unat»:g rr
ch;ldbirtll {nnt t:%: MA f• NVl irdC!Iti<•ncl!Y =+'If•infLctec
in)unes :n•-.t NADI nt a ptr.'•esis.itn, me,;xza ccndiri n
..
cuing fit 6f !, rnortIis .:I crr:eri' •e ;X.11,1 1111 I:-ttce
1,:t-ncdw; art not ;;-:td :' uu mi,.. cligible far :a !ecer,uq{
71te:rlpltTjME.'1t iQrriir a: CIT rhsat't d
11d., h c-n!p :•i b. ,id 9=ccri;alt:n u: ci-ve1a(ye alt^.d coret-
1Res .an' by ;ate. 1t!taFct i,l r a yota r: r.tly-'.,t1:•. h••r a
hull tplanalwv rl ccr: _teVt.
Cn_-t>?crSip rrr!.'IrlrtB n Atc?n?r Unihr Bnlgnrr.:
Costs apply to Lile it 1 _is;bthiv IDI Unemployment fU,
17 i'vnily 1.(•:.ve IFt Ai. ".9& At, r-' 99, A 97 5c,
CA 894c; (_ 1'112 35c L1 d? t,ilic DF 1*07c: CrC %-5 11X,; Ft.
b9c: Gi, 88.. hU eA 91 i ID Y5 % 11. F, be U I) (x . U 54c,
F 2'J,- 1. IL fit's:: IN Sc:, 1A 95 151 (L 'I ic. D IJ-,e Li ,.ic r
;ni); KS F5<c; I: 97 ac, LA r9 7c: Wt 7'154c IAA lr n.:
Fvtlg57c 1vt;•I:t!:ilii;Y555?1.?J,GGI !?: ,!T9±`+c '4E
95.8X:; NV 95 3c. M-1 94x. NI t4r, Ali.? 118.911 Nl' 112 5c if.
8 8c D26k U 16.9k: 1. NC 74 3c ND 9.1 Ic, OF. 99c: (711:
92.ic: Olt 84.7( RS 76 1c, PR 9k RI %.i :5c =(: 81k: S b
t;PR 4; TN 92'++;.TY,33 7c t! !.71.1) 12c U 1601 1.11
91.3Sc :. V; 28 4c I is + !roc • U e e k. F i be r: VA 84C i L o IC
D 6 9c I) 491, r Uic F WA 84X, ; WV 95 2c WI 43 rx i L
57.: D894 it 59k: F ic):1V95ii
v,rilabilily: ThL cc:,,e.at;e IE not arxkbie. in
Involunfarl' Un_rr.:-,)-y:n'._nt is not avalluble in MiA or .7
Fanuh, Lcnve.. a not avvil:.ble in Al. CT MA mr) mtq
Nb11 I:Y PA. vt T?:
"_nAj, r,vritin{* Cnrnprinie_ PoH y; Inrcdunr.n,
l.InrnitlGyctent. irr:rrrlcan Seeutily;LC31 t5'n51 LOI
14Y( /93). rs LC1I T?: IG;92) LUIi;-ih-1:5 12(':c.i. and LCii
!P; Standalrl i,uaranl}YSG LGi (51651 !!,119 c•niyl Life G
I)isn Wity. U;warm Sucni) Star.-Jmd ! uararr:
L1tc ;T?: +Z 0:4211: 93P.A). I'i1a: ri rtls i d,. r4l
Llf+: a0Yu'NYLla0pl3; and An.r)r:can 5ecrufty IN)
DisaLillfy onlyl. W-S•A. Farm) Lcave: Anrrrrran
SecuntylFL , (.1.'971, Fl fl-FL I i'U4b In FL, FLI14,1C ; ?.V ti;
in 1.C FLP-talc i+-+171 in :*., rLPA.'A (21111`1 in i+A• Ff -IP
It,l)17?!il in A'i.. Fl.-IP 14+911 irk !L it CJ FL IP-3:5 112:5;
in Y.S. F) -iP-10Y 14971 In MT; Standard Gunrant;sl-LI,
(4:411 in NII Unrcrr Sec'.ufity I..rIeTLP•`;; lo!T?71 in *.'I'
5o!iei!rn t Z';,f.nl r Irr Fdrs.<,asippi and rtoadn ar,r C-harlet
wtdon s:uf Pamela %71niS re',trt'LtiVe'rY
This pioducr is not ark inillr2C L1(:,X)5if 41W:41n if r.:
RAC inculed is not Fualaruec•rl by 1,11814A America 5;4XL
N.A mal is net 4 nwdbicn of ahtaintm' credit
r +
1:e?5 pi,54 slue end oucT Mdit Iirrrit auwy-init; to 1-4 1.
cum."ag'e !3Ay5 5^" of :hc `.=s,lanex un your dare of disAbikl)
up to 5i5: in V? roveyape poys rh:: minunwr. ).wiTrcn!
due an yout date sl ipSS
"TbtC n1mb,t 7 C! 6Crihli hx;m?!a p5yments pal1 npl
e>.c_ed ? for family Ir.,,=t t t lar ummaOoymenl in AL. Alf, CT
It.. Nil M14. M0. N'M. NdC, NY ?n SC L TX: 12 !at disability
e:xc.•n n CA. Hf. N, YG, f:51, N). NY. Ak TN. T% L XI
N\=Y. Nl S TX Residents Only: To purch3re Ct++_r::rc
st mrately. Writ to ke;w au1. group. P.O. Box 5=0355.
Alkinla, GA 38302 Applications :rill be serf to you.
I:If3NA America Bank. N A is die exclusive IlrueT ;)fill
admmistraror pi -his and ousel P!llim"'! Piaz credit card
11ccaunts
NISMA AmencaO ;c a Ic .fi rally registered service rnarl: of
t9GN- Arneri::a i3anl; 1. A
2OLwJ MBN.,4 An-n,, bwk N A.
NEXTID iP.rrvisml Ii2Qlur)
DISC-55
411<01 NIRN.A.L)LOl IK",NcA•L/-D'Uncappnd 1.0VFLI
0 r
a?g
BILL OF SALE AND ASSIGNMENT
*b3M The undersigned (the "Seller"), for value received and pursuant to the
teams and conditions of the RECEIVABLES SALE AGREEMENT dated as of April 13, 2004,
as amended by Amendment No. 1 to Receivables Sale Agreement dated as of April 30,
2004 (as amended, the "Agreement") between ECAST SETTLEMENT
CORPORATION, as seller, and CAVALRY INVESTMENTS, LLC ("Purchaser"), does
hereby sell, assign and convey to said Purchaser all right, title and interest of Seller to the
Receivables described in Schedule A-1, Schedule A-2 and Schedule A-3 hereto, together
with other evidence of indebtedness, if any, the right to all principal, interest, or other
proceeds of any kind with respect to the Receivables. Capitalized terms used herein shall
have the meaning set forth in the Agreement.
THIS BILL OF SALE IS EXECUTED WITHOUT RECOURSE,
WARRANTY, OR REPRESENTATION, EXPRESS OR IMPLIED, except as otherwise
provided in the Agreement.
Seller hereby authorizes Purchaser to use a copy of this Bill of Sale to evidence
Seller's assignment of the Receivables to Purchaser on the date hereof.
Seller: FCA(;l S ElIL.? MT,
C0Q-90kpi ?iON
By:.? S(?
Name:
Title: 11
Date: April 30, 2004
STATE OF ! ,J e,. 4 t o "' xt. )
COUNTY OF \v Zw V or \L ) ss.
This Bill of Salle was acknowledged before me on the 30th day of April, 2004 by
it r?_ D t,--(- d as Attorney-in-Fact on behalf of Seller.
My Commission Expires:
Notary Public in and for the State of
FRANCES SACCO
NOTARY PUBLIC State Of New York
No. 01 S?A4880273
Qualified In Queens County
Cwwr isslon Expires December 15,20 8
LIMITED POWER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS, that eCast Settlement Corporation
("Seller"), with respect to those certain purchased Receivables, described in that certain
Receivables Sale Agreement dated as of April 13, 2004, as amended by Amendment No.
1 to Receivables Sale Agreement dated as of April 30, 2004 (as amended, the
"Agreement") between Seller and Cavalry Investments, LLC ("Purchaser"), hereby
names, constitutes and appoints Purchaser, any Third Party Owner, or any of their
authorized agents, employees or representatives, its duly authorized attorney and agent
with limited power and authority to (i) endorse checks and other negotiable instruments
which may be received by Purchaser; (ii) transfer and obtain any evidence of ownership
or Receivable Documents; (iii) settle any insurance claims or litigation and apply for any
insurance, warranty or sales tax refunds; (iv) assign judgement and arbitration awards;
and (v) to perform any and all acts relating to the Receivables which the undersigned was
entitled to do as the owner of said purchased Receivables. Capitalized terms used herein
and not otherwise defined herein shall have the meanings set forth in the Agreement.
EXECUTED this 30th day of April, 2004.
SELLER: eCast Settlement Corporation
By:
Name:
Title:
STATE OF \V e vd YUr \k- )
ss.
COUNTY OF \V 2 •- V ti( ?, )
_ This instrument was acknowledged before me on the 30th day of April, 2004 by
1 % n?rs i'S?g 2 t? ash ?p on behalf of eCast Settlement Corporation.
Notary Public in an for the State of ew '(o r
NOTARY PUBLIC Statte Of Now York
No. 01 S4A4880273
Qualified In Queens County
F b 5 W ? : ? Commission E?xg n9cq.- -1w, 20n
7
0
CID
SHERIFF'S RETURN - REGULAR
CASE NO: 2005-05201 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CALVARY PORTFOLIO SERVICES LLC
VS
GRIMES ELIZABETH
DOUGLAS RUZANSKI , Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
GRIMES ELI
the
DEFENDANT at 0920:00 HOURS, on the 6th day of October 2005
at 1018 HARRISBURG PIKE
SLE, PA 17013 by handing to
JERRY SHOEMAKER, SON
a true and attested copy of COMPLAINT & NOTICE together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing 18.00
Service 4.80
Affidavit .00
Surcharge 10.00
.00
32.80
Sworn and Subscribed to before
me this r^ day of
c ?ce? A. D.
r
Prot ary
So Answers::
R. Thomas Kline 7
10/07/2005
GORDON & WEINBERG
By.
Dep y S off
2019417
GORDON & WEINBERG, P.C.
BY: FREDERIC I. WEINBERG, ESQUIRE
Identification No.: 41360
PAUL M. SCHOFIELD, JR., ESQUIRE
Identification No.: 81894
21 SOUTH 21ST STREET
PHILADELPHIA, PA 19103
215/986-9600
Calvary Portfolio Services, LLC
as Assignee of Calvary SPV I,
LLC as Assignee of ECAST
Settlement Corp., as Assignee of
MBNA
vs.
ELIZABETH GRIMES
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO
05-5201CIVIL
NOTICE
PURSUANT TO RULE 236 OF THE SUPREME COURT OF PENNSYLVANIA, YOU ARE
HEREBY NOTIFIED THAT A JUDGMENT BY DEFAULT HAS BEEN ENTERED AGAINST
YOU IN THE ABOVE PROCEEDING IN THE AMOUNT OF $5,787.67. IF YOU HAVE
ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL GORDON & WEINBERG,
P.C. AT 215/988-9600.
GORDON & WEINBERG, P.C.
BY
FREDERIC I. WEINB , ESQUIRE
PAUL M. SCHOFIELD, JR.,ESQUIRE
Attorney for Plaintiff
Dated: November 8, 2005
GORDON & WEINBERG, P.C.
BY: FREDERIC I. WEINBERG, ESQUIRE
Identification No.: 41360
PAUL M. SCHOFIELD, JR., ESQUIRE
Identification No.: 81894
21 SOUTH 21ST STREET
PHILADELPHIA, PA 19103
215/988-9600
Calvary Portfolio Services, LLC
as Assignee of Calvary SPV I,
LLC as Assignee of ECAST
Settlement Corp., as Assignee of
MBNA
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
VS.
ELIZABETH GRIMES
DOCKET NO. : 05-5201CIVIL
PRAECIPE FOR JUDGMENT
The Prothonotary will please enter Judgment in the above matter
by default for want of an answer against the Defendant, ELIZABETH
GRIMES, and assesses the damages er statement below.
FREDERIC I. WEI RG, SQUIRE
PAUL M. SCHOFI D, ., ESQUIRE
Attorney for Plaintiff
Principal $3,601.46
Interest from March 30, 2004
@22.98°s $2,186.21
Total: $5,787.67
I hereby certify that written notice of the intention to file
this Praecipe was mailed or delivered to the parties against whom
judgment is to be entered and to his attorney of record, if any, after
the default occurred and at least ten (10) days prior to the date of
the filing of this Praecipe.
FREDERIC I. WEI RG, ESQUIRE
PAUL M. SCHOFIELD, JR., ESQUIRE
Attorney for Plaintiff
Filed:
By the Prothonotary:
AND NOW, this lp-kj\- day of 2005 Judgment
is entered in favor of the plaintiff(s) and against efendant, for
want of an answer and damages assessed at the sum of , $5,787.67 as
per the above certificatio .
J
Prothonotary ?-M
GORDON & WEINBERG, P.C.
BY: FREDERIC I. WEINBERG, ESQUIRE
Identification No.: 41360
PAUL M. SCHOFIELD, JR., ESQUIRE
Identification No.: 81894
21 SOUTH 21ST STREET
PHILADELPHIA, PA 19103
215/988-9600
Calvary Portfolio Services, LLC
as Assignee of Calvary SPV I,
LLC as Assignee of ECAST
Settlement Corp., as Assignee of
MBNA
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
vs.
ELIZABETH GRIMES
DOCKET NO. : 05-5201CIVIL
CERTIFICATION OF ADDRESS
I hereby certify that the precise residence of the holder of the
within judgment is; Calvary Portfolio Services,LLC as Assignee of
Calvary SPV I, LLC as Assignee of ECAST Settlement Corp., asAssignee
of MBNA and that the last known address of defendant, ELIZABETH
GRIMES, 1018 HARRISBURG PIKE, CARLISLE PA 17013.
GORDON & WEINBERG, P.C.
BY
FREDERIC I. W NBER ESQUIRE
PAUL M. SCHOFI , JR.,ESQUIRE
Attorney for Plaintiff
GORDON & WEINBERG, P.C.
BY: FREDERIC I. WEINBERG, ESQUIRE
Identification No.: 41360
PAUL M. SCHOFIELD, JR., ESQUIRE
Identification No.: 81894
21 SOUTH 21ST STREET
PHILADELPHIA, PA 19103
215/988-9600
Calvary Portfolio Services, LLC
as Assignee of Calvary SPV I,
LLC as Assignee of ECAST
Settlement Corp., as Assignee of
MBNA
vs.
ELIZABETH GRIMES
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO. : 05-5201CIVIL
AFFIDAVIT OF NON-MILITARY SERVICE
FREDERIC I. WEINBERG, ESQUIRE, being duly sworn according to law,
deposes and says that he represents the plaintiff in the above-
entitled case: that he is authorized to make this affidavit on behalf
of the plaintiff; and that the above-named defendant is over twenty-
one years of age; that the address of the defendant is, 1018
HARRISBURG PIKE, CARLISLE PA 17013; that the occupation of the
defendant is unknown; and that the defendant is not in the military
Service of the United States, nor any State or Territory thereof or
its allies as defined in the Soldiers' and Sailors' Civil Relief Act
of 1940 and the amendments thereto.
Sworn to and Subscribed
Before me,..pthis / Day
of 2005.
Notary Public
COMMONWEALTH OF PENNSYLVANIA
NOTARIAL SEAL
ANNETTE GIANFELICE. Notary Public
City of Philadelphia, Phila. County
M Commission Expires October 26, 2009
FREDERIC I. WEINBER , ESQUIRE
PAUL M. SCHOFIELD, JR. ESQUIRE
Attorney for Plaintiff
2019417
GORDON & WEINBERG, P.C.
BY: FREDERIC I. WEINBERG, ESQUIRE
Identification No.: 91360
PAUL M. SCHOFIELD, JR., ESQUIRE
Identification No.: 81899
21 SOUTH 21ST STREET
PHILADELPHIA, PA 19103
215/988-9600
Calvary Portfolio Services, LLC as
Assignee of Calvary SPV I, LLC as
Assignee of ECAST Settlement Corp.,
as Assignee of MBNA
VS.
ELIZABETH GRIMES
TO/PARA
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO. : 05-5201CIVIL
NOTICE OF INTENTION TO TAKE DEFAULT
ELIZABETH GRIMES
1018 HARRISBURG PIKE
CARLISLE PA 17013
DATE OF NOTICE/FECHA DEL AVISO: October 27, 2005
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE
PERSONALLY OR BY AN ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES
OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN
DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU
WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT HAVE A
LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE
YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO
ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
CUMBERLAND COUNTY BAR ASSOCIATION
32 S. BEDFORD STREET
CARLISLE, PA 17013
(717) 299-3166
GORDON & WEINBERG, P.C.
BY:
FREDERIC INBERG, ESQUIRE
PAUL M. SCHOFIELD, JR., ESQUIRE
P10D-2
D 4Q-
71
C t7
`
1?
C
GORDON & WEINBERG, P.C.
BY: FREDERIC I. WEINBERG, ESQUIRE
Identification No.: 41360
PAUL M. SCHOFIELD, JR., ESQUIRE
Identification No.: 81894
21 SOUTH 21ST STREET
PHILADELPHIA, PA 19103
215/988-9600
Calvary Portfolio Services, LLC COURT OF COMMON PLEAS
as Assignee of Calvary SPV I, CUMBERLAND COUNTY
LLC as Assignee of ECAST
Settlement Corp., as Assignee
of MBNA
4050 E. Cotton Center Bou
Phoenix, AZ 85040
VS.
DOCKET NO. : 05-5201CIVIL
ELIZABETH GRIMES
1018 HARRISBURG PIKE
CARLISLE PA 17013
and
Members 1st FCU
5000 Louise Dr
Mechanicsburg, PA 17055
GARNISHEE
PRAECIPE FOR WRIT OF EXECUTION
TO THE PROTHONOTARY:
Issue writ of execution in the above matter,
directed to the Sheriff of Cumberland County;
(1) against
ELIZABETH GRIMES
defendant(s)and
(2) against
Members 1st FCU
garnishee(s)
(3) AMOUNT DUE $5,787.67
INTEREST
from November 18, 2005 $424.68
COSTS
Prothonotary fee $15.00
Sheriff fee $150.00
TOTAL $6,377.35
FREDERIC I. W NBE G, ESQUIRE
PAUL M. SCHOFuELD JR., ESQUIRE
Attorney for Plaintiff
r.
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c
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oo P do v, o
d TZ)
-?
. ., t
WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 05-5201 Civil
CIVIL ACTION - LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due CALVARY PORTFOLIO SERVICES, LLC AS
ASSIGNEE OF CALVARY SPV I, LLC AS ASSIGNEE OF ECAST SETTLEMENT CORP., AS
ASSIGNEE OF MBNA Plaintiff (s)
From ELIZABETH GRIMES, 1018 HARRISBURG PIKE, CARLISLE, PA 17013
(1) You are directed to levy upon the property of the defendant (s)and to sell .
(2) You are also directed to attach the property of the defendant(s) not levied upon in the possession
of
GARNISHEE(S) as follows:
MEMBERS 1sT FCU, 5000 LOUISE DRIVE, MECHANICSBURG, PA 17055
and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof;
(3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a
garnishee and is enjoined as above stated.
Amount Due $5,787.67 L. L. $.50
Interest FROM NOVEMBER 18, 2005 - $424.68
Atty's Comm %
Atty Paid $123.80
Plaintiff Paid
Date: 04-05-07
(Seal)
REQUESTING PARTY:
Due Prothy $2.00
Other Costs
r
Curtis R. Long, Pr otary
By:
Deputy
Name FREDERIC I. WEINBERG, ESQUIRE
Address: GORDON & WEINBERG, P.C.
21 SOUTH 21sT STREET
PHILADELPHIA, PA 19103
Attorney for: PLAINTIFF
Telephone: 215-988-9600
Supreme Court ID No. 41360
D w
GORDON & WEINBERG, P.C.
BY: FREDERIC I. WEINBERG, ESQUIRE
Identification No.: 41360
PAUL M. SCHOFIELD, JR., ESQUIRE
Identification No.: 81894
21 SOUTH 21ST STREET
PHILADELPHIA, PA 19103
215/988-9600
Calvary Portfolio Services,
LLC as Assignee of Calvary SPV
I, LLC as Assignee of ECAST
Settlement Corp., as Assignee
of MBNA
4050 E. Cotton Center Bou
Phoenix, AZ 85040
VS.
ELIZABETH GRIMES
1018 HARRISBURG PIKE
CARLISLE PA 17013
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO. : 05-5201CIVIL
and
Members lst FCU
5000 Louise Dr
Mechanicsburg, PA 17055
GARNISHEE
An5wejss 4, INTERROGATORIES IN ATTACHMENT
TO: Members 1st FCU - GARNISHEE
1. You are required to file answers to the following
Interrogatories within twenty (20) days after
service upon you. Failure to do so my result in
judgment against you.
2. At the time you were served or at any subsequent
time did you owe the defendant(s) any money or
were you liable to him (her, them) on any
negotiable or other written instrument, or did he
(she, they) claim that you owed him (her, them)
any money or were liable to him (her, them) for
any reason? No
3. At the time you were served or at any subsequent
time did you hold legal title to any property of
any nature owned solely or in part by the
defendant or in which defendant held or claimed
any interest? ye-?:;
4. At the time you were served or at any subsequent
time did you hold a fiduciary any property in
which the defendant(s) had any interest? No
5. At any time before or after you were served did
the defendant(s) transfer or deliver any property
to you or to any person or place pursuant to your
direction or consent and what was the
consideration thereof? N
6. At any time after you were served did you pay,
transfer or deliver any money or property to the
defendant(s) or to any person or place pursuant to
his(her, their) direction or otherwise discharge
any claim of the defendant(s) against you? N 4
7. How much is the value of any property in your
possession belonging to the defendant(s)?
?1 2-73,
FREDERIC I WEINBE G, ESQUIRE
PAUL M. SC,FI JR., ESQUIRE
Attorney for Plaintiff
po
DATED: q
Cs r-l
a
y+
•
L-
+
A ?? ?^? ?J.J
2019417
GORDON & WEINBERG, P.C.
BY: FREDERIC I. WEINBERG, ESQUIRE
Identification No.: 41360
PAUL M. SCHOFIELD, JR., ESQUIRE
Identification No.: 81894
21 SOUTH 21ST STREET
PHILADELPHIA, PA 19103
215/988-9600
Calvary Portfolio Services,
LLC as Assignee of Calvary SPV
I, LLC as Assignee of ECAST
Settlement Corp., as Assignee
of MBNA
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
Vs.
ELIZABETH GRIMES
and
Members First FCU
Garnishee
DOCKET NO. : 05-5201CIVIL
PRAECIPE TO DISSOLVE ATTACENKNT
TO THE PROTHONOTARY:
Kindly mark the attachment of the defendant's bank account
with Members First FCU, as Garnishee in the above entitled matter
satisfied and dissolve the attachment of the defendant's bank
account.
GORDON & WEINBERG, P.C.
BY:
FREDERIC I. WE NBERG, ESQUIRE
PAUL M. HO ELD, JR., ESQUIRE
Attorney for Plaintiff
Poll
n ?
-OM
_
CD
WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 05-5201 Civil
CIVIL ACTION - LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due CALVARY PORTFOLIO SERVICES, LLC AS
ASSIGNEE OF CALVARY SPV I, LLC AS ASSIGNEE OF ECAST SETTLEMENT CORP., AS
ASSIGNEE OF MBNA Plaintiff (s)
From ELIZABETH GRIMES, 1018 HARRISBURG PIKE, CARLISLE, PA 17013
(1) You are directed to levy upon the property of the defendant (s)and to sell .
(2) You are also directed to attach the property of the defendant(s) not levied upon in the possession
of
GARNISHEE(S) as follows:
MEMBERS 1sT FCU, 5000 LOUISE DRIVE, MECHANICSBURG, PA 17055
and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof;
(3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a
garnishee and is enjoined as above stated.
Amount Due $5,787.67
Interest FROM NOVEMBER 18, 2005 - $424.68
Atty's Comm %
Atty Paid $123.80
Plaintiff Paid
L.L. $.50
Due Prothy $2.00
Other Costs
Date: 04-05-07
(Seal)
Curti . Long, P notary By:
Deputy
REQUESTING PARTY:
Name FREDERIC I. WEINBERG, ESQUIRE:
Address: GORDON & WEINBERG, P.C.
21 SOUTH 21s' STREET
PHILADELPHIA, PA 19103
Attorney for: PLAINTIFF
Telephone : 215-988-9600
Supreme Court ID No. 41360
R. Thomas Kline, Sheriff, who being duly sworn according to law, states
this writ is returned STAYED, DUE TO BANKRUPTCY.
Sheriff's Costs: Advance Costs: 150.00
Sheriff's Costs: 92.84
Docketing $ 18.00 57.16
Poundage 1.82
Advertising
Law Library .50
Prothonotary 2.00 Refunded to Atty on 04/25/07
Mileage 11.52
Surcharge 30.00
Levy 20.00
Post Pone Sale
Garnishee 9.00
Postage
TOTAL $ 92.84 So Answers;
e0-0
R. Tho s Kline, ff
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BY
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