HomeMy WebLinkAbout06-2333
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL
DIVISION
CHASE MANHATTAN BANK, USA, N.A.
s/i/ilt BANK ONE DELA WARE, N.A.,
Plaintiff,
No. 01.0 - ;;< 31.3
(!, u; L ~EY2-1
VS.
COMPLAINT
BRUCE CENSOR,
Defendant.
FILED ON BEHALF OF:
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
William T. Molczan, Esquire
PA 1.0. #47437
WELTMAN, WEINBERG & REIS CO.,
L.P.A.
2718 Koppers Building
436 Seventh A venue
Pittsburgh, P A 15219
(412) 434-7955
WWR No. 04871894
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE MANHATTAN BANK, USA, N.A.
s/ililt BANK ONE DELA WARE, NA
Plaintiff
vs.
Civil Action No.
BRUCE CENSOR
Defendant
COMPLAINT IN CIVIL ACTION AND NOTICE TO DEFEND
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 an attorney and filing in writing with the court your
defenses or objections to the claims set forth against you. You are warned that if you fail to do so the
case may proceed without you and a judgment may be entered against you by the court without further
notice for any money claimed 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 LA WYER AT ONCE. IF YOU DO NOT
HA VE 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 South Bedford Street
Carlisle, Pa 17013
(717) 249-3166
WWR No. 04871894
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL
DIVISION
CHASE MANHATTAN BANK, USA, NA
s/ililt BANK ONE DELA WARE, NA,
No. 0 {." 2333
Plaintiff,
vs.
BRUCE CENSOR,
Defendant.
COMPLAINT
1. Plaintiff, Chase Manhattan Bank, is a corporation located in Wilmington, Delaware.
2. Defendant is an adult individual with a last known address of 1024 Teakwood Ln,
Enola,Pa 17025.
3. On or before April 30, 1990, Plaintiff and Defendant entered into a Cardmember
Agreement for a credit card bearing the account number 5483110120062247. A true and correct copy
of the Cardmember Agreement is attached hereto, marked as Exhibit "1" and made a part hereof.
4. The Cardholder Agreement contains a provision to settle by arbitration any claim,
dispute or controversy arising from or relating in any way to the Cardholder Agreement.
5. Defendant made use of said credit card and has currently a balance due and owing to
Plaintiff, as of February 15,2006, in the amount of$11,596.57.
WWR No. 04871894
6. Defendant is in default of the terms of the cardholder Agreement having not made
monthly payments to Plaintiff thereby rendering the entire balance immediately due and payable.
7. Plaintiff avers that the Cardholder Agreement between the parties provides that
Plaintiff is entitled to the addition of finance charges at the rate of 6.0% per annum on the unpaid
balance.
8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed
and/or refused to pay the principal balance, finance charges or any part thereof to Plaintiff.
WHEREFORE, Plaintiff demands Judgment in its favor and against Defendant, Bruce CEnsor
individually, in the amount of $11 ,596.57 with continuing finance charges thereon at the rate of 6.0%
per annum from February 15, 2006 plus costs; or in the alternative, an order directing the parties to
arbitrate this dispute pursuant to the terms contained in the Cardholder Agreement.
Respectfully Submitted:
By:
William T. Molczan, Es
PA 1.0. #47437
WELTMAN, WEINBERG & REIS CO., L.PA
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, P A 15219
(412) 434-7955
WWR No. 04871894
'''IC' we 'r!~e'''e yOU' ICUt"! wC C;j'UlClI II\, '" LOlkoCl4"........"....1 v',,,
IIUt"sllon, v' 'epon you ~~ dt"hntl,.~,,!, We ,:.It1 (,!)llhr..r:"CII,.y...I." II".
.1I111'lIal yo,. Ql;(';SIlO'; "'(lud"'g 1"\:\I"'I~ ,;1,,111,1(':' .I.....::r--;..:';.lt"l..., .".-,
u'lp;:ud "moun! ~9i'lms! ynur C'Cd.l jun.1 Yuu tIn ''>I1l ~~, P"y .,,,'1
'IVt!SllO"c,j';:ImOUrJl.wh,le ""e clll:' ltl"L'~I.g(lItIIV Iml )'tJ&"~_"'hl"I..I,,,J
II') r-ay Ihe pilonS olyoul biJl lhal ale nOI ,n qllesl.ofl
If we hndlhnl WI.' maCle a rntslBkc on 1'01.11 b~L yO~' w'~~II:lI'''Y ,,/IV
finance chalges ,elaled 10 ilny Q"eshoned amovlIl,m_'dlIiJIil m:I~C 0\
tl"s.la~e. you may have 10 pay financ:e Chi'll9CS, and ~ 10 "l,\l<..~
I'P any missed paymenl~ on Ihe QtJt>SI,onetl ,\lnuunl In~. WI.' wllf
send you a stalemen1'ol lht:> amounl you OW(' and lhe~Iral"'r.;. rJIJ('
II yUIIlall10 pay Ihe amoul1l Ihal we Ill",.... you OWl!. wt:'~~ jl\)\J .l~
delinOIl~nl. Howeve'. If 01.1' el<planahon does 1'101 f,alq'P"l'~.ou Wille
'0 H!' Wllh,,, Ie:-n dilY~ If'!thn~ us 11'll'l1 yOl' sl,1I 'ch,se 1t-1Df;' ~ nl,,,:.1 ll'"
.1"Yfl"e we! ICpo.l yOu 10 111;")1 you hilv!:' c. C'l"CSh()'1 .Iht~.,.,..,...-III' A"d -;O:'~
ttlUSllell yOu Ihe natlle I)t anyone....e IL'ponea you Ie QIt-......:sJ-~ ill'i'Ull..:
we rep,," you 10 lhal 'he m;Jlte' has been selUed bcl~~-...-.en .11.n~jJy
"
H y,r: clOI~'l tollow Ihese 'ules, w~ can'l (olleel lilt.. 1" SI5&).d:=oet;......sl":".~"
~m':>ullt. ,e,,,en II your bill. was c:ollect.
Special RUie For Credit Card Purchases
II you have ~ i)loblern wilh Ihc quality 01 j:)roDCfly .. ~ Ihal you
p,,'ehase~ wilh;J clCclil ca,d. imd you hClv~ lried ,n gGlo'tf;illt.1[~C)t:~.l:: Ihl!
ploblcmwilh 1M!:' mtHchanl. you may have the rigtl1 nOll~?l!!ftIIt:~""hl;r~ll\l
amOl/nt due on Ihe property Of servic:es. The,e a'e 1-aD-'''n~Cfl!;!\,I II\'S
/;91'11:
. You musl have made llle purchase in youl hr)!IIC':ilC'lE.......,.,JI .t.:tl1l'1
10UI home Sla1e w'lhin \00 miles 01 YOU! curiel'll ~Oia;li'r.s!O: :t"d
The pu'chase pric:e muSI have been mole lhan S;SO. il::e-dalitoolior:s dO
nol apply il we own Of orerale the melchan!. or I ~ ~ you lhe
.~dver1;sen,enl lor the p'operty "r services. .
-
-
BANK=ONE
aa"~ On~. NA
Columbus.Oh;g Membc. F'OC
IlN 8227
.,
;'
'page20f12
,~ l'
CREDIT CARD
Cardholder Agreement
VrSA'OJfMasterCard\o) Cardholder Agreement
Th." AY'p'."":rue""~ 10' \,011' l:;'l'l111 c:....c::rtXOunllA.c~!.~..."'l\ """t> Ban\: Df\~.
NA In1'l"~ One) .-.nc1lh~ VtSA"~flSI~cI r..ud(s) IC;Hdllssul!'u ;0 YOllltl
::o"neCI,Ofl w'lh fUUI Accvunl y~- ~ "youI- rue,'" any ,1DphOllll 01
IOtr>I.lpphCarlllor Ihe:- Ar:counl n, -"rlfpeJWl1 using.the Ac::CO~II" 01 lc\a\t:'O
t:iflds wilh Ihe e),D'ess Ltl .nl;lh....l! ;JelMlSSion 01 any appliCilnt "Wo.: "us:'
anD "OUl,. m~an BanI( 01'1(,:. :ll/l ,uazs:;.ors and asslgns_ .
Th-t'. :l!:'e 01 Ihe A..CGOllnl h., ::i\rrt.~. \eklph()t'\f'. '.'I'!' ''''hcrw.so :r.
,,""';1 ~'ctJ ~'111)~ iouC'l'Y.n!; I.~' r:\" 1'l.ltICD'Jtiilions.
i. Accounl Ownership. Th,s Card ~ o~,r p'openy ;.nrJ the AcC:O",,1
mOIl' be c;'\nce!led by us. at any lime..ochoul PI.iOl nohC'o .;"'1' .:Jyrp.c Ie..
:>w;t~~del lhc Card and othCI ..ceeSSG!'\olCes anD 10 (Irs,c:,l> ;,!j,,~ '1II~lm'on
.:>I ")~ ACl:ounl by any' means ImtTIC!Ci<:ftly upon OUt IlfqUp.sl
2. Cfedit Umi\.. V:'e wilt.a~s.ign a Cl~WntI \0 y..>Uf "cco~.r,1 which wt! call
inc:'ease or decfease al any lime wiltDlt.notice. We mav eSlablish a credd
li'l"lll 101 CAsh advance~ wh~h is ~ lhan Ihe lolal ,;.cdil !unit lor your
AcCCt:.Jr.1. 1'01.11 creelll l,mlL tnetutJing ..lcwe-'l CIW'\ ami! lor Ctlsll i,cI.
vanCeS. it applicable. ,,-,!II ~e.re.llecled"IIl!Our Dillin!:! slalemer'lt. You agree
nol 10 exceed Ihal cleeltl lIml!, ,nc:ludinfl1e lowel bmil lor cash a.d,,~nces.
3. Liability. You may be Itflb\\!. 101 \l)e1b5s;.1hell. 01 un~olhofiled vseblllle
ACCOUnt. y o~ will nol hp. linble lor ~riled use whICh OCCurs iIIIN
nOli1r"'9 \.IS !:Iy 1I=le~1,..,r)C. :n perSOlt. Df in writing 01 the loss. lhc;tt. =>,
~"'lalJlhoriled use al Bank One.. NA.~{tS. Oep\.OS32. COlumbus. OH
<13271.0532.
In lIny case. liabilily will nol el<ceed h lesser ot S50 or Ihe amounl 01
rnOfley. ~1I0per1y. or service-s ob~:by s-uchus~ pliollO noliliC1'l\ion In
us. I[ 1'01) h;we <lulholl,ed ,mother Pl:fS[Jfl 10 lJ!ie your Card. "rod ,.)\1 w;'\1l1
10 lermit\<lle lnal person's authOrtly.,ou must recover lhe C;\rd. .
4. Promise 10 Pay. You plOfTlise m pay 101' all p\.lrchases anct ellsh
"'d'/tlnces made by you 01 an~' ~ized person ",veI, il lhal person
t:'xc~edS you' avlhod'y. In addi1;o.; YOu' promise 10 Pl7Y .111 Fmance
.ChElrges. ilf'ld olher lees. and Cl\al~in accordance \ViIl) h.:Il"g S\,I\L"
menls.
5. Elilling Slalemenls. You wilt 'eC:~_lI-'bining slOllemenl (Slalement) lor
any mon1t\lO which.lhele IS a ba\a~IIltl..)'OlJI Acr:oul1\_ 'four payrnenll~
due. al such place as we designale."",.O{ before Ihe Dale PElymenl Due
prinled on your Slatemenl.
6. Payments.. You may pay the laal New Balanc:e ~hown on your
Slalemenl each monlh. or you",.., 'Ply in monlhly inSI.llmenlS. It you
deode 10 pay in monlhly [I'slallme~J0U musl pay al leasllhe Milllmunl
paymenl amOUnl shown on your SlalBnent. The MirnmumPaymenlwil1be
J..... 01 youl Total New B<.i1af1ce, bul..fItsti Ihan$lO.OO.lIyOUf Tolfll !jJew
Balance is less lhan $10.00. you InI&5tpay rhe 11.1. amount. Any amounl
pasl due and any amounl1hal e~ceers,your c!edi!limil will be ackledlo Ihc
Minimum Paymenl due. Checks 1I:IIi8en lor payment on youl Accounl,
must be wrrllen in U.S. Dollals andcbwn on a U.S. Sank.
7. F,ees. The lollowing lees. or s.uch~as. ?!O,,~ trOrT\\ime 'ro \i~. will
be ..ssessed:
(A) An Annual Fte or so.
{B} A.r\Ovet.ihe-Crt'dit~limil F~_S20Jor any monlh in w.hieh the Tolal
Ne.... Balance of your Accounl on ~Staaemenl Dale exceeds yOUl credit
limit.
{e) 1>. Returned Chet:k Fee 01 S21IItJr: any cheek or other negoliable
inSl,umen! in paymenl on youl1>.c~which is plesenled and nol paid.
There wi~ be no Returned Check Fe;ssessed toyourcredil cald flc:count
il lhe cI'leC~ is CTtlWl'l on tl Bank OnEahec:kJng account.
,
(0) A Relumed Vl$AlMa:sterCIl,d Check Fee 01 5.20 il <'iny VISA!
MaslerCo?\rd-checl. rS pres.enled lor paymenl.and rell/lned because yovr
AccovnllS in delauU. restriCled due 10 delinQuency. or would c<'tvse yOUf
ACCOvnl balance to exceed YOUf credir limit.
IE) A LlIle PJ'ymenl Fee 01 $20 whenyou laillo make alleasr the Minimum
Paymenl by The Dale Paymef\1 Due sl\o.....l"\ or>. yoU' S\alemef\t.
(F) A Stop Payment Fr-e of $20 I!lnY lime yovleQuesl a SLOP payment on
II VISA or Masle1Card check.
B. F\'I"Iance ChB'ge. "The F\NANCE CH"F1GE on yovr Accounl is (leler.
mined by mvlliplying your Average Daily Principal Balance by the Daily
Periodic Rale by the number or days inlhe billing period. The Daily Periodic
Ral.e is eQUal 10 \f36~It-,o"he ANNUAL peRCEN1 .&.G'E RA1E, 1heOai1y
PerioCliC Rale lor your Accoul'l/ is 0.044% which is a corresponding
ANNUAL PERCEN1AGE RATE of 15.90%.
The P-llelilge Daily P,incipal Balance is calculaled sepiitlrale1y lor pul'
chases and cash advances. To determine the Average Daily Principal
Balance, we add Ihe Daily Balances and divide Ihe 10lal by Ihe number 01
~ays in lhe sla\emenl billing period. 'The amounl 01 any purchi!lse or cash
advance, incluCling VISAlMaslerCard checks, will beaf Finance Ch.m~e
hom lhe day olll\e lransaction or Irom Ihe firsl day 01 the billing cycle In
wt\ict\ 1he IfiloOS:a.C\iOl'\ is applied to fOOl ACcounl, whiche've-r is Isler.
The Daily Pvrchase Balance is C111C:Ulaled by 18king fhe daily beginning
balance or purchases, minus (i) the porlion 01 payments and credit
adjus\men\s applied lo\he purchase balance, and Cfedil vouchers, piuS {ilj
new purd1ases, debit purchase adjuslmenls, and lees (except aulornali-
cally ",ss.essed lees billed on cycle day which ale included in the nexl day
balaf'ICe). We wmak.CaddpefiotSic F\nanc;e Chafgecalculaled on the prior
day's Daily Purchase Balance.
Pay Ihe New Balance 01 Purchases in lu" every monlh and incur no
Fir\imce Chalge onthe Hew Balance 01 PUlchases. There is a grace periocl
01 al leasl25 days 10 avoidaddilional Finance Charge on lhe New Balance
of Purchases.. Pay alleasl Ihe New Bal;mce 01 PUlchases by Ihe Dale
Payment Due &!;own on your CUllel\1 S\a'emenl \0 avoid additional
Finance Char~.
The Daily Cash Advance Balance is calculaled by laking lhe daily
beginning baUllnce of C41sh aclvances, minl.ls (i) the poniOl'l 01 paymenTs and
credit adjuslmenls applied 10 the cash advance balsnce (whiCh mar.
include us.age charge$: assessed al autornaled leller mschines), plus {ill
r\e~ cash &d....al"lCes i!of\d lees {except aUloma\icalry assessed lees blned
on cycle day which are included in the next day balance). We will also add
periodk Finance Charge calculated on the prior day's Daily Cash Ad-
vance.
An addilional Finance Charge will be added lor each Cash Advance
lransaction. Cash Advance transactions are VISA/M$slerCard checks
applied 10 yQVl Acc.OUl'\t, Auiomaledi elle1 Machine \A 1M) disbursements,
and cesh obtainMj by presenting your Card al any partidpaling linancial
insrilution. The additional FINANCE CH,6.RGE will be 2% 01 Ihe amounl
advanced (WhiCh may include usage. chaf~s assessed at aulomaled
lelh~1 machines), $2 minimum, $20 maximum.
Also, an additional Finance Charge wiN be added for Ihe lollowing types of
trans.aclions which are lefleeled '"s ~Ichases on yOU! Stalemen\: wire
Iranslers, money orders, belS,lollel)' lickels and casino gaming chips. The
additional Finance Charge will be 2% of the amount 01 the 118nsaclion, wilh
a S2 minimum and il S20 muimum..
9. Application 01 Payments. Payments received atlhe mailing address
specified on your Slalemenl prior 10 11;00 a.m. on any bvsiness day will
be applied on the day received. Paymenls n~ceivedalleI ":00 a.m. on any
business day and payments received on any non.business day will be
applied Ih~ neX"! business day. Payments received al tiny other location
may incur a delay in crediting to your A.ccoont
We have the right 10 a.pplypayments to your Account al our discrelion. This
specifically inr:luOeS, bu1 is noJ limited 10, Ihe lighl 10 apply p<,ymenls 10
promotional balances prior to non-pI"omotit.mat balances.
10, EnUre Balance Due. If you fall to make lhe requiledpayment when due
01 break any promise in !his Agreement, we maydecrare lhe entire baJar\Ce
01 youl ACCOl.ln\ due aTld pilyab\e $\ OT'lC!: wilhovl prior nOlice (subject 10
applicable law regarding nolice or right 10 cure).
We m2lY also make this declaralion II:
~ you make any latse 01 misleading slalements on your applica lion
. you have been declared bankrupl
you die
lheul! is an event tha.I ca.us.es lhe pfospecl 01 paymenllO be s'lgnilicanlly
UN /J7"~
I Page 3 of 12
ImpaIred.
, ,. Cancellalion. Wc I'Ilay cilnct"1 youl Accounl. lelust' 10 allOw ll.lntv~r
llan!oaC:1ions, mcluo.ng V\S,AJMaslerCard checks. Of revolo.e YOUI Caf" ill
any lime whelher or nOl you are In delaull 01 any pan Ollhis Agreement
In lhe evenl we lake such action, we maydecl~re Ihe entire balance 01 you;
ACCOUf\1 due 01 ,'eVlse the amOUfll 01 your M'''\Imum Paymenl (s.ubjec:IIO
ploper notllicOlhon as. reQuited by applicable law). Cancellalion 01 yOUf
Account will nOl anccl your lIabilily 10 US lor cre<!;l we have exlendedlOyou.
il'Icluoong al'T\O\.K\\s 001 yel billetS 10 yt>UJ Account. We may ca.ncel your
Accounl wilhoul n~hce Olllabilrly _ You musl surrenCler lhe Card eIther upon
01,.11 reQueSl QI Ihe reQvcsl of any orhel banll. or merchant who is: acling
vpon our inslrudlol1S.
12. Foreign Transactions. We w"rchlll9f:, andyovwillpay, inU.S. dollar!>
lor allloleign ,rans.aclions al lhe e1change rale in etlecl the daybelore the
\raf1t.aClion proce~s.ir'\9dale. A.s. 01 ~he pfinlmg dale ollhis Agreement.lhe
e.change rate on VISAlMaSlerCar(llransaClions is either a governmenl.
mandaled lale 01 a wholesale mOlrkel rale, increased by 1%. 'The ell..
change ral.e: used on tt\.e tral'lsaelion pl"oc~ssi"'g oate may diller hom lhe
late III effect on ellher Ihe dale 01 yovf Iranuclion or The dale lhe
Iransaclion is posled 10 your aCCOl.Jnt.
tl. Ch8J'\ge onerms. We C6nchaf'l9t 1he 'erms ollhis Agree,rflenl af finy
lime and will nolify you in accordance wilh Ohio law and applicable lederal
law. This nolice will be mailed 10 the same address as we send your
SlalemenL The new terms wID alleet aft ouIS\iU\d\f19balanCes '0 !he exlenl
nol prohibited by Ohio law or applicable lederar law.
14. Other Provisions,
tAl We have no responsibility tOllhe laih.lre 01 any machine, merchant,
financiBJ institulion, or Olher party 10 honor your Card.
(B) If le~al action is fequired by us, you wiU pay Ihe coslS. including
attorneys.
(e) Each credil card accounr you helVe with us is separale horn ;lny others
you have with us anc:l Firoance Charges will be chiirged on each account's
balance. Each credil card accounl win be represented by II ditlerent
account number.
1 S. Address Changes. You agree 10 notify us immediately in wciling it you
change your address:.
16, Interpretliltion, This Agreemen! shall be governed by applicable
ledelal law and Ihe laws 01 the Slale 01 Ohio. II .my provision 01 \Ns
Agreement is held to be invalid, Ihat will nol allect the validity 01 lhe
lemaining provisions.
YOUR BILLING RIGHTS
(Keep this notice for future use)
This notice contains impor1ant inlormalion aboul your rights and our
lesponsibililies under Ihe Fillir Credil Billing Act.
HQtily Us In Case 01 EtTors or OUestiot'ls Aboul Your Bill
II you think your bill is wrong, or il yOU need more inlormalion aboul a
lransaclion On your biD, write to us on a sepllrale sheel at lhe address lisled'
01'1 your bill. Wrlle 10 U$ as soon as possib~. We musl hear from yOU no lillter
than 60 days alter we sent yOU the FIRST bill in which Ihe error or problem
appeared. YOLl can le1ephone us, bvl doing so win not preserve your righls.
In your letter, give us lhe lollowing inlom;'l!:tion: ~
. your name and account number
. lhe dollar amounl olthe suspected error
. tlescribe lhe enor and explain, it you can, why you believe Ihere is an
error, If you need more inlormalion, describe the ilem you ilre nol sure
about.
. yOU( siQTI3lure and date,
Jl you have Bul/'lorized us 10 payyour credit card bill automaticafty lromyour
savin~s or cheCking account, you can slop the paymenl on any amounl you
thin\( IS wfQng. 10 S10p the payment, your letter musl reach us Ihree
business days before Ihe aulomatic payment is scheduled 10 occur.
Your Rights and Our Responsibililies Af1er We Receive Your Written
Notlce
We musl aCknowledge your leller within 30 days, unless we have cor.
rected lhe erlor by Ihen. Wilhin 90 days. we musl eilher coneet the error
or explain why we believe the bill was correct
I
,..-'"
Amendment to Cardmember,Agreement
I Page 4 of 12 I
~
IMPORTANT NOTICE FOR BANK ONE
CREDIT CARD CUSTOMERS
ABOUT CHANGES TO YOUR
BANK ONE CARDMEMBER AGREEMENT
This Notice informs you of changes [0 your Bank One Cardmc:mbcr
Agreement.
SUMMARY OF CHJ..NGE.
A" provision providing thOll any disputcs bc~n you and Bank One :an: to
be rcrolvecl by arbitration is being ",dded to your Bank One: Cardmembc:r
Af;rc:emcnt.
EFFECTIVE DAWNON-ACCEl'TANCE INITRucnONS.
The changes in terms summarized ..bove: will become: effective March I.
1998. The: nc.w temu. will ;Ipply to c:urn:nt and fUrurc balances in bom
;Icd'lc accounts and accounts [har no longer have: charge privileges. If you
do not wish 10 accept the nrw lelms. you mU$l notify us in writing of your
decision by February 28. 1998. Please include: your name,' address and
account number on un: correspondence: and m:ail it to: Bank One. P.O. Box
8650. Wilmington. Dc:lawarc 19899-8650. Giving w [his notiic will
constilu[c your decrion [0 G;lncd your charge privileges (if not previously
c.ancd...dt I;.ut you m:lY payoff any ouu{:l.,nding unpaid balance of your
Account ~1I"':cr your prior rcrms.
AJ.AENDMENTS TO URDME..\.IBE.R AGRHMENTS:
In order ro implemenr the ;Ibove-described l..-h:a.nge in rerms. the following
changu. :as applic.:able. will be made 10 your urdmembc::r Agreement:
A. lm,...,edi:ltcly :after rhe p;ngr<lph emirlc-d MSpecial Rule for Credit Cud
Purchascs,M the follo....ing par:r;graph will be:: :r;dded:
ARBITRATION: An~' c1Jim. dispute or contrOversy rClaim M} by eirher you
or W i1gainst rhe orher. ..I Jg::.inst [he emplorccs. ;:lgents or alligns of the
other, arising from or rdJring in oI./lY way to rhis Agreement or your
Account. incll,lJing (~l.lims rep.rding the applicilbiliry of rhis arbitr..tion
ci..wc or the \'.alidiry of" the entire Agreement, shall be resolved by
binding arbimrion b~. Ihe :--:.Hiull.&l Arbi!nltion FONm, under the Code
of Procedure ill .-t"f't'l1 .Il the lime [he Chlim is filed. Rules and forms of
the N:niun:aJ Arh,tr.Jti"n Fnrum mJY be:: obtained oI.nd Claims may be
filer! <II <lnv S"Jlilln.llJ...r"'irr:lIiun F"rum ulTice. www.ub-forum.com. or
P.O. Bot '''10 1 ') I , "lintl<:.Ir..'i~. "Iinnewt3 <;"14100;, relephone 1-1100.474-
1.371. .I.,nr ;.tmlrr.lli.HI h<:.Jrin!:..at whil'h ynu Jprc..r will ul.:e pl.lce al <I
IOGl.lion wirhin rhc (cJl'r.lJ 'lIJio.11 dt~rril:1 11'1.11 indudC'S .vour billing
JdJress ill Ih(' rjole rh(' LI.Jim ,~lilcJ, rhis ..arbilr:Hion .Jgre~mrnt is mJJ~
rursu.:anr to J If.lIl'.R'r"Ill HWHI,.trl~ inl~'f~!3le commcrce. .loa ,h.JJ he
governeJ h~' ,he l-"l,Jl.rJI .'\r"'rrr.Jli"n ,1,<:1. ., L'.S_C. 9i 1- J (I_Judgmenl
upon l.n~' JrhifrJfltH' .I.....lrJ n\.l.\' ht l'nlcrcJ "1 ;ln~. COlin hlving
juri~Jit:ti"n,
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This arbitr.acion ~rna1t appliCl IO aU Cbi:m now in aisterlU at that
n1l1.)' al"u.: in the furLin. c:c:.cpt for. m Cla.itru- Wt you or we: h2vc:
individwJly filed in <II t:oun. bcfoll: me c~ Ihrc of mt:' amcndmeru of
the Agr=:ment adding this witl2uon agnXment. (ii) C4im.s adva.nced in
any judicial daD .actions dd.t: h.:zvc been fuu.Ir a:rtific:d 21 clus actioN
wd ,",here notice of cLw- mcmbcnhip has kn gvro as d.i~a:I by the
COLlrt before me c:/fea.ivc tbtc of the amcndlocrll of the ~ment
adding this :ubilnluon ag.recmc:nt; and (iii) Q:Unu by or against :uJy
ul1.Jflli:ued third party [0 whom ownership g( yoUT Ac:cou.nt may be:
UJ;igned after dmuh (unless t;h:u parry eleauo uhitr2te). Noming in
this agreement ""ul be consuud \0 Ptc"lt.I\lVif partY'. \.ll.e of tor
advanGemc:rll of any O;ums. dcrensa. or olbcu in) banknJplcy or
repossession. replevin. judicial fored05ure ex any other prejudgment or
provisional remedy relating (0 any coUatenl. R'CUriry or property imcrc:sa
fot COO[~CU.La1 dcbu now or hc:r~cr owned by either party (0 me other
under this ~mcnL
IN THE ABSENCE OF THIS ARBITRATION AGREEMENT. YOU
AND WE MAY OTHERWISE HAVE HADA RlGHT OR
OPPORTUNITY TO LlTlGATE CWMSTI<ROUGH A COURT.
ANDIOR TO PARTICIPATE OR BE REPIl.ESENTED IN
LlTlGA TION FILED i1"rCOURT BY OTIlERS. BlIT EXCEPT AS
OTHERWISE PROVlDED ABOVE. ALLCUJMS MUST NOW BE
RESOL YED THROUGH ARllITRAT10N.
THE FEDERAL EQUAL CREDIT OPPORTIlNrrY ACT PROHIBITS
CREDITORS FROM DISCRlMINAT1NGl'GAlNST CREDIT
APPLICANTS ON THE BASIS OF RACE. COLOR. RELIGION.
NATIONAL ORJGIN. SEX. MARlTAL STATUS. ACE (PROVIDING
THE Al'PLICANT KA5 THE CAl'ACrrYTO ENTER INTO A
BlNDING CONTRAcn, BECAUSE ALL OR PART OF THE .
APPLICANTS INCOME DERIVES FROM ANY PUBLIC
ASSISTANCE PROGRAM: OR BECAUSElliE APPLICANT HAS IN
GOOD FAITH EXERCISED ANi RJGHTUNDER THE
CONSUMER CREDIT PROTECTION Acr. THE FEDERAL
AGENCY THAT ADMINlSTER5 COMPU;<NCE WITH THIS LAW
CONCERNlNG THIS CREDITOR IS, THECOMI'TROLLER OF
THE CliRRJ'.NCY. CENTRAL DISTRJcrOFFICE. ONE
rlNAt-lCtAl PLACE. 440 SO\.HH LASAllE. SUITE. 2700,
CHICAGO. IL 60605.
TJ,u "/HIt" infurmJ JrJII ofprl(ing (}"mgn to)'lZ'f': Fin' USA Cllrdm~b(T
'~K'"(,"l'7'1("1'l(. rfuvr kup it rui,h .'fOur o"igifUJJ FIIJI.USA Gmil"lt"mbtT ArromlrrJr.
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BANKEONE.
tiDY 239 12197
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1"W Full Agreement after'
ank One/First USA Merger
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, Page 7 of 12 ,
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Cardrnember
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Cardmember Agreement
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I1li.. j,. II... ,\J.:n'C'1I1("1I1 th,.lc"'!.lhli,ht> Ihl" U,1lt'o ,0/ I'Mn (..II.lllM'lllh.'f J\A "'MIIIl (-,k,-'lllIll"] ";.1\ Fin.!
I'So.\ n.ml. ~.A. {indudillJ:: ;lto<llllll\ 0110:'1",,1 ,,;11, II" 11I""IJ.:ll II.IWf h.lIlh ,11;11 1~1l'IU-il'.ll/' in nllr
\1;1.<;1('11 :.tnl/VIS;I pn'l,'1.un :'11I,1 ...-h,'I:\(' rl,;lIl\(' ~ 1..., 'Mllnf' brr nt" ~,...ar (:;'nll, '''r-oIfo(" n';4c1 il {";In-hlllv
;Hld IN'p il rUI ~lll( rc-nlnk. \'011 d" nUl I""",, In "'!.:" 1111\ ^i:11-r"IIWIlI. hltl pll';LW- II(' ~lIIr III ,aJ:1l .11t"
h:lCL: !II \OIlf C.ml if \'fill ha'oll:' !lilt ..Irl":.ul\- d'l1r Ml, 1\11 n:lnu.ium. IIf rH~il ill cnnllrninfl willi '0'11111
ACTUlltll'"rr lx-in!: n':'d,' lw Firsl.l:~\ l~nL \~-\. in Wilminl:lnn. Ikl......,1I1.. ..\nr IL<;(" of \'Clllf {~,rll (II
ArnuUll (nnfimlS ~1lI" ;I,'f(".'illU'C" fit [hf" l("f1I~ ;11)11 "NuliliullS Ill!" .hi.. ^J.:n't'I1Wlll.
~ruUbons: In ,I,i.~ ^.t;ff't.ItIl'II{. ll1c' Wl'lrlt~")ar.. ..lid "your" n'li'( In ('ilrh IX'l'YllI (ininll~' ,mrl fo("'o'!'r.tlly
if lIlon. Ih.... 01)(') who has ..pplwd fllr 1M Anul1I1I i1l1d i1IIY oll1l'r !X"f';olll whu hil~ i1!,:rc'('et III hr
11"I)<II1~jhk lur Ihl" Annlllll. '111(' w<lrcis ""wr", '\5" i1rUI "ouo" rdi'r tll Fi~ US,\ n~mk.. ~.A,... ll,lllllll;ll
Ildllling .4~Sill-i",i,,", "Card" n'frn. 10 r:~1:t M;L~Wf{:ald "lId!,,,- Vi~ Caret Ih"r i~ i~~IWd on !'lulr
I\r'-"III"."IlII' (~rrl rnll!.llx' l"I'lllfll(,-j or .~urfrfl(ll'rnlln\l~ III llllr;l~r'nlllr)(lrl rl'llIlM>1.
Using Your Accounc Y'ltl lTlilY ll!\(' ~lllll" {:a,-d m Af(lIllnl III pllrcll;1o;(' IIr Jril.<;C" !::1'KKIs or ~lvi/"("lO nr
P;'Y 0111I11111115 },m "we "..hrn~'r the (:'rrl is llOnllr/.rr llr Ir,lIl~kr hill,,"rl"~ from nrlwl" i1rrllllnt~
[~I'1lrdlH.\('~'-). VIII! m"l' ..ISO'! IL'OC the- Cut( 10 f~l;lill l;esh loam rt :a.~h Adv.mrt$.) (HIIIl any rlll;mcjal
rmlillllinll Ih..1 ..rTl'pl.~ Ill(' (:.trd, YIIU ~,.r In ;erft'pl nf"rlil~ III )'flllr Aall1ml illsll"ad 11(' cilsh
Il.fllJld~ whrn lhr uriJ:illOlII'llrrlu.<,c \\I"d.~ rh;;tfJ:("ft 10 Y"llr A{TUunl.
W(' mar i!;'~le M(;lInveni~IK{' ChechM to you which l"mIy be lIseOW access \lOur amil line. Ur;c uf ~
Convenience Check wilt tx- m:tited ~~ a MPurcha<,CM in the amount or your chr:d.. i::iIc:h ConvcnKr.....
C:hr:ck \1,.;11 cnntaill your AC.CCllln{ number and mOlY he used only by Ih~ pel'K)n (5) whose 11011\ .-1
i.~/afc~ plinloo on it. Each mw:t be complctn::l and signed bryou (or eimcr of you) in thesaJ}'l".' ..n.
nc:r ac ~ regular pcn;onal cher!.. If we prO\ide Convenience Checlc for your AccounL )'OU may uOI \I.r..!'
Ihem u) pay any amoum you owe under- ~r Cardmember Agret"ment or under any othe:r cre:dit
agret"mr;nt or account you may hallt: wilh ll!o. &nl One or any or our rehlled banks..
O~ On Vow Aa:cnmt YOll authorizr US 10 pay and cha~e your Account for all Purchases and
Ca.~h Ad....,1nr.cs made Of obtained by you or anyone YOll aumon2t: 10 IL'tC' your C.arr! or Account. y("l
promise: 10 pay us for all of these Purch;nej and Cach AdvAnces. plus any Finance Charges a.~d on
your Accounl and "ny Dthcr charges and fees which you may ow~ U5 under rhe terms of this
Agreement. You wilt bt ol>lig.u.ed 10 pa~. autnorized charges to your Accoum whether resulting from
(I) aClual use of )'Our Card or Con...eniem:c Olecks. (2) man ome:r or telephone. compuler or other
dectronic Purchases made withOUI prccnling the (Mej or (3) any other circumstance where yoll
authorize a charge. or authorize SOIneOTlC' dsc 10 make a charge:. 10 )'Our Accounr. Each pe~ who is
included within me definitioll of the tern .youM. aboYt:.ls responsible to paylhe full amounl owed on
the Aceounl We may require that you pay the full amounl owed withoul fifSl 2Sung lhe other per'
sones) 10 pay. AJI pOl)11lents must be mad!: in U.s. dollars.. Any paymenl made by check or olher nego-
tiabk instr\lme'nt must be drawn on a US ban!. or a U.s. branch of a foreign bank.. Subject 10 any
-1T1andalOry provisions of applkable law. ~ will apply your payments 10 the balances in your Accounl
in wha~ manner we delennine.
~I Unc-/ Authorized ~: Your credilo line is shown on the fo'd~r containing your Card. Since Wt"
may Li,. "lee your c:redil line from lime 10 time. your latest credit line will ap~ar on your monthly
sl,;llement. You afVec nOI to male a Purdlase or obtain a {"'..ash Advance that would GlUS( the unpajd
b<llal1l e of your Acrounl 10 exceed your credit line. We may honor- Purcha.o;cs and Ca.ch Adv.mre'\ in
exce.'!.~ (If~our cr~dil line ,I.l our solc di.ccrction. If wt do, thi.~ Agreement also applies 10 thar excess and
l~IH <Ign'e 10 pal'!he exc:ess immedjale~ifwc request thai you daso. YOll agree rhat we milychangr. or
ranrd Y',ur crt'Clil line toll all)' tim~ widH:IUI ;UTeclin!,: your obli!r.u.ion \0 pay amounts; tha! fOU OWl'
under Lhi.~ Agreement. W" may do:igTl.illc thai only a portion of your credit line i.~ available [or Ca'l.h
Advances.. If we do and you exceed that limit.. you will be considered 10 haw: exceeded your crrdilline
1(11' all purposes of this Caromcmber Agrttmenl. For 5(:eurity rea.o;on.~. we may limil mc number or do~
1.1I amount of Purchase. Cash Adv.ulee ~/or Convenience Ch~ck tr,ln~ctions th;ll may be accom-
plisht:rl wiLh your Card or Arwunt.. and 111II:: haY(' the rightlo limit authori1.ations to make Purchao;es or
(lJ,I:un Cash Advdncc5 if we con.'l.ider it nttcs.'Wlr)' 10 verify paymenl'!. received on >OIlr Account
Periodic Stalemftlts: We will send a swc::.cm OIl the end or each monthly billing cycle in which your
AWlIlh( has ~ debit or c.n:dit baJance ollROre than S 1.00 or if a Finance Charge has been imposed.
Among other things. yuur monthly sr.~[ will show your New BaI-.ulC~. <Ul~' Finance Ch:arxe. your
fT('dillinc and av.ulat~e cnrlil. your Mi~ MOlllhly P-dymenl and the PoIymenl Due o-<I!e.
Minimum Monlhly Paymc:Dt: If the New Rabnce ShllWl'l on your monthly stalcmClll ~ Ic~ th~11 $1O.lKl,
1~11lI. Minimum Mflrllhly P;tyrncnt (due ~ the PiI}'melll 011('; 1}<IIe) is fOur N~' &lance. Otherwi.'iC,
tIll' M_illimulII M(lllthly 1'00)'1Il{.nt for en hillillJ.: ryrk will he the gw.w::r of $10.00 or Ihe 11'lill of (I)
',!'X. ',II lilt. Nt""" 1\';11,,11(('. phL~ (2) allY <UJIOt1ll1 p,,-'1 rlu(". ph" PI if W(~ Sll dect. all\" amoufH (J\I('r yum
'.It'du lim' Al Ill(' linl<' 01 hilliflK' YUIl lJQI'-P;lY lIlUU' Ih.1Il thl' Minimulll Monthly raVlll(~l1t ;lIld m"I';\I
.lIlY lillII' p,'r 11ll' lull ;1I11ll111l1 ~"U (lWf'11S.
Finance ChargHi: .flu-f" i~ ;1 minimum RNANCE CHARGE ill Ih(' <tmOlllll ~1.llf'rl in Ihe Tahir III
Illl"II.~1 (:h:lr~l" itl .Il!\, Ilillitl~ ("yf'll' in IL'fHrlI \1~1 "I!.~';I ~1NANCE CHARG~~
We 1.,[, 111.lt,. tIll' .1'.11.11'( (' ~Ilhi{'("t III fINANCE CHARGt:" j;('p:u'all'Jl' (lor l'IIII'II.l."'~ .,IIlI (~.,II
..\,11'.1110 ,., Fo'l 1:,,11 .\,1.','111 (', \\~. .....ill ;aW.J Pt"nlKiir nNANCE CHARGE rnllll Ille' d:J\' \'''11;11.:0' 1111'
(."If .\,l\,.lt., I' 111'lil IIII' liar WI' f'!",'jq- p;lvllInll ill rull. 11"\\'("\'f'r. l'lll 11;11('.1 1.:1':1.... 11(.li,~II'lI
l'III,lu..." Y"'I ..-j:J 11,,1 1~1\..1 I't'riodtt FlNANC"J: (:ll-\RGl: '"I ntrl{'fll 'If I'U.,,;'I(I\ I'lll'lll.l\l... II 1'>lt
1'.'" I \"'11 \'1..... It,I.III,' III 11111 III" tlll' '".8I'lI"tlr ] JIll" 11;111' 11[\ ~",11l 1'1(....11111\ ~l;lII.rlln II (, II. I h~II I '.ILu" (
.1' to-;,.. ,r ., ,;,.,\;; U~I' '_lilt \ ;l!l!t \~III JUI.-'> l11t ~...". IlIl".... ill !lIll hI' lllf" 1':11'111<"111 I h". 11.11.., "1 \'11"
'.1111.;"':.111.1110"111
)., ,j,,, :11I:... ,!... 1','I;"di.. FINAN(;(Ol-\I.U;t....,- .ll'll!r rill' "1'1,111..1.1,' II.lit. l'l"lu.b. ll,',. ,., Ii"
.!."i.. :..i.,,,.....,; I':;:,!:.,,,.,. 1:.,,11 .\I!\,ljP.r.., .,w! ;';''''1'>1'' I,jllin,.: ,1,,1,. 1'1I:,h.N-' ))1<' 'II:I: ,': !!;,-"
.!_"!,, ,I. ,1."1"'""I:,'.".I.I! 1','ri"dirf-~'\~'(:r(']I.-\R(;E..I'II!,h.'''.'.lIl!lr:,,11 \.1'.'.1:"'" ,!,'m,i'I'!
., . .. ,~.!t!.. " ,_ ,.l 'I u. 1.110'1 _< ,I,. '.' " ':.011 ,[,,1'. "1 il,.- 1..;':11 !I1:I"~ ,,; 'i" l.,I:., ~ ' I. j, "
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I Page 9 of 12
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''''~ IIoIY\ k,I;IIIU', .I<I.J .Im Iw..,.!'ul'dt...."'''> (uldutlill\!,ll'l''' ,kll. Oil',. 11"..1.,...1.0' 1'... ,-1\.!......., _""I ,II"" r ~t~h
,\.Iv.lnn'~ .uld ,h"'l \I,bll,''-' ;11I\ ''''\11\t"1I1.,..1 n,',lih, n,i~ !!;iv",- '" lh.: '''1'..11...". lIdl\. 11.I1."Ir"\ In'
1'\I\dl'l.<.I."5 ....1111 ("0.1.,\1 hlh~lFln-:;.
1. f'rM.iouo; Cyck ~,Wl' o;l;\l1 w11brlll' lMIN;Uldillg 11.:11...., l' ..Illh{'I"'J.,';Ullill).: "r l1ll" pI!"Vi'H'~ -
hilli/ll: crd,'. WI' 'ilkl" Ilw I~".;nlllll~ haJillI<'(. ,j( l'\\l,.h~w..; 011 :"lIIf :\, I OWl! (;I, h (by Olll ill~ 1l1;!1 hlllilll(
ryk. whidl inrlwk,; ;111\' PCTlodi.:- FlNANa: CHARCr.s ...kllt;..IN~ "I' 1hf' P"(;'if)IL~ (Ut'l h;c\;trlrr, ;md
..\\\ ..my Ill..... l'lIl('lu,,1' tmrl\lrllllg 10"l-:; In:... ..In' IIC"I('(J ;t~ "urr"!14t\C\.! ;mrl .~lIhl("...n ~m' P;\~Tl~h)L\ l)f
rn:r1il.~. 'fhis j!;iYL"s' ttl. tlll' r.....p:.ol.r.l.lr n".\ily luCulI'r Jnr prn10llS hillinJ.:' c~-k' rW,h;{<;('5.. ~1{1\\-1"lI'r, lhl~ rl.uly
IlaLUI('(: ror f'n-vi.-ll~~ cydl' f'lIr(h;L~ is ('!,l1!.i.kll"ll In 1'l!> 'I'ru fur rill'll (1.1.1' of the pn-villlt\ hillilll: l'ylc if
YOll p;tirJ in fillllhe N{'\<' /1.a!;:lI1cr <Ill rOllr Pl("ViOII.1 Sl;l,lCIIWnl I.,.,. the 1'''plll'll! Dlle J)-.'ll' fll' ~ Pcriodie
F1NANCE Q-lARGE ""~l~ .vr{~<trl\' i/llf>'t<.('rl 'If I Ill(' lilt" [lwdlil..'l':" iWl1liu'(!lIf\ ~\\If 1\1I"\.;IIIj>. \l;lIrllWl1l
If'w" h;/vt: ~SfX'(i;tl- f,n;"c!il' r.llr' ,"'li'l~ ill dkrl If'm, 11\1\1' l\l limr, l't' ....'ill ,<,('p.II-.udr idr'lIulv rhnll fill
t"lll m<lrllhl)' .~t;IlI'IIIf'111 ollie! ,'ii'!kll,udr rli~'!.".., ."1 YOlll' 1I1<'llr1ll)' S(;lI('I\\-('II! Ilw h;u;mn'!l III which Ull'
\I1<;....\;\l \)!ft-.", :t.ppl)'. '111('';'> .<,(')lJr~I{' h;II.llk'~ ami IIw /cL,wr! Pn--iodic flNANCE CHARGES ....it! !)(' {iI~
fllbucn in rhe .o;.;UIll' lIl;uU\t'r.l.\ ruovI;Il\.'rl..b.M. f,n (Unl'nl or Pf("li'"l1 ryelr tr.1Il,o;.;ICOOIl5. ;l\ ~Pl,li('"hlc.
Wr' lil,'lll'c ,muthcr \lIlrU'm ,If Ihr Illl:.lnrr Ch....rgl. lITl y"lIr Af(llllnr Iw "r1,lil1~ ~ nne-tifl1l" ~ Advance
nNANCE CHARGE fllr r;ll"n r.;t~h Adl'.tlln' ....hl.n ~ ~ Obldi/l{'r1. Tllr ;ImOllll1 flf Ihl' G:sh Adv2rJce
flNANCE Cl-lARGE i.1 ~Im in rill" T ah~ IIf Illtr:r(.'S1 Char~.
llll~ lU141 FirliHlCc Chilr!ic Iln YOllr Accounl JilT tl rn(lrllhl~ hillil\~ rydr. will he lhl' Slim flf dl{' Periodic
J1NANCE CllARGES ph ;\nr Cash Am'alKc FlNANCE C1lARGES.
T1!L\Awcc.mcnl provida; for compoundinr;orFinance Cl-\Jrges. (inlrresl).
Olher mJ.ereSl Ow-ges::: hI a.ddi\iQ[I 10 lOt Finance Olarges di.o;c]L'i.~ al.lc.we. the {o/lO\l.lng interesl
charges will be appliGfoble ItI your Account:
AnntW Mc:rnbaship fet' - You agrer III p;iy us when billed each 'I~:ar (sll~et\ \0 applicilblc leek...1
law) '" llon-:rclundablc il!lhtrdl membcnhip fee in (he ilmOUIl! staled in the T",ble of Imeres\ (.h;uJ:e1
for ..he privi1e~ yo\.l. haY\: uncler !his Agree'!lcnl. whcthc:r, or nol you cx.crcisc .I.hose pri,\'iJeges. YOll,f
paymr:nl of thu fce \0'111 ,101 aIrecl ilnl' of our r\f:'ll\s \\flOcr IIIlS Agreemenr.. lncllldmg our n!:ht 10 lemu
/laIc your Accolln(,
I...a1t Fee - If we do nOl rccej~ a paJ'flenl from ro~l if'. 11\ Icrtsl lhe amount of .\'Our Minimum
Monlhly Paymenl by the Paymenl Due llile shown on your monthly sCllemenl, ~ may d14IF:C )'011 a
laic paymenl fee in lilt ~mollnt sCltcd 'In the Table of 1r1lcrest a,ar~es. You will only be charged one
laIC ?3yrncnl fee for ~nr Minimum Monlhly PlIytntfll which is not paid by the Paymelll Due Dale.
RctunJ Olcd Fee - If your banl doe; 1\01 honor the check you g<lvt us lo pay amounts you owe
under this Agreemenl, or we !nusl rcturn a died became it ~ nu\ signed or is otherw1st in-egulat, ~
may charge you a reltlm cheel fee in the :unounI sCllerJ in the Table of (1II:erCS{ QIOl1ge1.
Overlimil fee - We have the right to dlarge an overlimil fee in the W'I()\.lf'll Sl.aled in the Tabled
(t1~r~ o.arges: (I) if your Account balancc exceeds your applicable credit ~ne OIl any time during..
monlhly cycle; or (2) if you male a I\ud'WC or obla.in a Gash Adv-.mce al a time when \our AcCOlInI
Ua.lancc is over your cred]t linc.
Adminiwatn.e Fees - If you request plaotQ(ul)ic~ or s:.tb !>\ips or duplialle copie~ of monlhly Sla.lt'-
mr.'l1t~, or if you rcqlJCSI mOIl' Ih4I\ lwo ~rls Dr allY special St:Mccs !>ud... dS {)buUfling Carris on 4I\
eXpt'di\cd bilSis, yOt! .agree 10 pAr Ollr rcOBtiCI.lble chOlrgl.'S for slIch ~rvicr.'s"as (ro!l\ time It) omr ill
df(~l. The present dl.U-gL'S for such scrYicesarc specifit'r! in the Table of Interesl C:nil.f'RC!-. Howt"yt:r i.f
yoll rt'qllCSI ilt:IIl.\ such :L\ s.ves slips lK dllJIf\Ci\\r ,,\illt"IW:J1l\ in corlncnir'ln with illJY displIltrl billing
maUl'" (s<.'e 'Your lJiJling Righl.lP). we win 1l0001"lll.o05C a fee if ahlllil\g en-or ~ di'iCloscd,
UIlIe-$.\ otherwise ;lrrdnged betwecn us, the arllllul uH.:llll>o:::nhip r~ d.nd llny laIC. relum rlrtd.. ovcr.
lilllilm ....clrninislr.lljvc fee will be added 10 J'DUr ACo)unl i!lld Ir(illed 3.\;( Purchase.
~faWl!CoJkctjon Costs: Your Accounl wit be ill clcfllwt and we may dettt!nd immerli:l.\t' p/l)'ffiCfll of
the entire 1Illloonl you owe IL~ wilhout gi\mc- rOll prior notice if: (I) in any mOllln we do nOI recdve
your Mjnimum Monthly Payment by u\(. ~nl'1l1 Due Date: (2) you make Purcnak'S r,r ObLaill Dsh
Adv.tr1ccs ill CXCCS'l ofrllur credit line; (3) JOlt fail!o comp-Iy Ml.h this Agrer:ltlcnl; (4) lheTt is a filing
ror rUUT hankruplcy, (5' yoll die or occomt Wlapacir;ued; or (6) we. bc-tkvr:: ill ~ood bi\h thOiI the PO!r-
llIt:nl m pcrfonml.1lce (If YOllr nblig-~tior1) tndl:r thi5 ^gl'cc:mclll i.~ impaired rur any other reason. As
p:nllitlt:d I~' ill)plic.;ahk lol...,. )'1111 ilgn.'t" to P'f ,Ill wllenioll (:x~Il);(.'S flCIUaJly if\(llrrccll~' Il~ in the ro~
h:lioll or amounlS YOll {J\\.'f.: under this A.gnxmcl\\ (illt:llld.ing court rusL~ aHd the Ii:~ of aJl~- wl!r:cti'!f1
agcllC)' III which we rr:fcryourAccoulll) :alld.iillhe cvmt wt' IckrY\l\If Ar:rnllnl ilflcryollr cld;udl room
a;It)11ltl' \\.110 i.~ nlll our n:~ul:l.r1y salarird CR!JlIflyt~('. }'"1 ab'Tce In p;ty 1.11(' n:a....IIU1.l1lt. ft-("'.\ nr ~\l('h ;ll1or.
Ilq. We \I'm nUl 1)(: nhlig-.lll"lllO hlJllflf ,ul}'JCkTnpil:d Il'W of}nllr ^cnlllrll if,l rl<-filllh ha., Ill.l"lInCf! III
Wf' h,I\~'III'I{~l1llinl'r1 hlll~l1l,it\;lte )"llr '\n'II\IQI't)r limil rlllrr /In'I'llJI1llril-ilt1{I'S (a~ diS(',.~'d 1.dlll'l)
Arbilr.luon; All)' claim, flis.plll(' Of (HII!rl7\l(~r r\J~ilfl.) hy I.jlher \'111 ,II' 1I~ :lK".li,ISt 1111' t1lhr'l', '"
aJ.{;lill.~1 rht' r'lllplo)"t'{".~. ;1J.l"III~ Ilr ;l\Sij{m ~ Ih(' nl/!I'f. ;\l';~ill~ I'Ullll ,,, n't.rill~ ill all' h.11 I" rhi,
^/.:'r"I'rlll'lIl Ill' )'1111.1" A{I~IlIlII. indmlinl: {J~I".t;;llllill~ Ihl' ;1!lpllt.^.II.iliIV <1l,!h;~;ldlil"l1j'"1 ,l;'II-'l' ,Ir
lIlt' \,;llillily ,,1 rIll' 1"llil" ^J.:flTUWItI. ,!rAIl{' 1I'.~"I"I'd II,' hillding :lrlllll,ltillll II\' lll<' ".IlI\\\I~11
r\r1,il!~lli(l1l rlll1UlI, 1111,1.'1 Illl' ('..,ir ,11 I'n"nrt'lIl' ill dkrl ;11 JIll' lilll!' rill" Cbim 1\ lil...f Rlllf..... .1I,d
"l(lll~ II' IllI' N;lril'IM/ ArJ,ill;UI,orl F"null tatii' Ill' ,.lri.Il1}<"'\ ;ulIll :1.11I1" In.l\' I", iiI,"I ;u .nn \.1111111,11
..\rlllll.llj"ll FIII11IJ1llHlIT, wll'\I'.;ull'-J"nuu.<'t/UI'._IIl ".11_ /llljo: :IUI',II. J..lllllll",ll",I", \,lillt'......'I.1 ',e,'Il!".
,,'h'l'll<lIll' 1.~I)\l-'li'I-:.':Iir. AnI' .wl.ilr;lIi'"1 It.-;uilll: ;\1 "'/Iirll \"" ..1'1....1I \\-il) I,ll\, 1'1.\", ." ., \,,,,111'"1
"111'111 llll' !I.tlIT.ll jllfli,-i'lllli\11 I( 1 111;11 ill'lIJI)....r' 'Ill hilJllI~ ;101,11<""\ ;11 rj". 11l1U' till' l .l.lilll t, 1;),'" nl"
.UhIJI.lll<lll ,11-:11"1"11...11I i~ 1lI;ld,' 1"1l""1.\1\\ I" ~m;,nl\," ,i, 'I' 11Il'I,h-llIg llIh'I"..I" , "IIIllH'II" "I',] ,11.11I 1".
,i.:'I\Pllll'" I..,.. 11". Fr'II"l~" ..\rlnlr;'lt"ll ..\rl. !11"...j' ~~ 1,1,\ IlI'\!.':lIl<'111 "Ir'" ."'~ ,lIt"I):,I"". "..",: 111.1'
1.' "",,,,,',J ;n .,,1\' I ,,,u I h.tl-ll1~ plIl.rlll I,,,,,
I j"'.III,III.I!"lIl ,1I':""'-II""""l'l'li,., 1'",11 r1,1>\....",,"'1\1 ,'\hl,.,,,,' ," Ii,., ,,', ,', ",,,' 1': II>. !""" ., I"
10" (11l1ll' J'I "1 ";..:...,,,1 .If" ',11.,0,;1.11,": :i.."",r (""" I" ".J""" \,,'~
.h"-.:,IWd ,,11," ,1,-1.",11 ,II"J,-" 11'..1 l'-'iI' ,.j,'".;" ."1"...,,,. \:,.,i",,; ., "T"
"I'll'd I.. \'I,","U' ."1' \>.1)\\', ",,- "l"'" "'~\""".ll"'''' ..! "iI'. r I."",. d.' ,:'.. " ' ,,:,
',' "'1" "'....,..., "I, "'j.l. ;lI,.!",Ilo uf I""., ~""h-.'" .n" ")i,,., J'II'fllllglll'" . """",' " I"!'~:
'" .ff II' , "II.,r,', .11, "', 'filii ,., 1""1"-" t- II II! ., '""'" 10" "," I, _" I, ~.,I ,i, .l,', , . -. d :, I I ,...
1',,11\ I., Ih,. "I),.., "I,.J,., ill!. \~l;"'r""'"
J\' 1'111, \1\"'1,",'( 1- 1'1 1111'" \RI\lIR '.iiol"\ \1 .I-a\ \\\'.... \ ,\111
"! \ 1 \ \ ' '1 :~, ie ': j , r
r Page 10 of 12
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H.\H. HAll A RII;1 [T (lR 01']'01{ 1'l"\1 IY H) UTI!;A IV.U~\I\.lS llUU W(;1l ,\ ClH '11.1.
,\\:[l. I HI: ']"1 ll'ARTH :II'A 1"1': ()II: m: R~]'Rl'SJ:'Sll]) IN IJn{~u.JS"rnJ]) I\' {))I ;RT If\'{ lnl-
fRS, HI IT l:XCF.I'T AS tlTllrRWISE I'IH )\"Im:n ^I~()VE. .all. (:L\!\lS )..1\ sr NnW IIF.
R~:-..:}I,Vn)'111R( HI(:I I ARIUTRATj(J~.
TC"fTTliN,tion: W,' Ill;.!Y I(~nl\ill;llf' y""r I'rr.;k~'''S IIllrkr lhi~ ~ Itr limil "')llr ri~!.l In Illalr
I'urrn:t~ or "ht;lin (~~h Adv.lnrf:(;l1 .Ill~ limr (;m,I li~[)'I)llr AR-.... in ""AminI!. hulk-lins} wilhlltll
HlIli((~ 'If li;.lhili,y. If Wf' ;!.~k, YOll Inlt\l ff'llIlll ~mr (~rci~ ilnrl ;u\f ~ C'"1\T"llior.ncr Ch,'{,h hI It...
I'ul in hillf. Vnu ;l.J::r1'1~ l.h~1 YOll will IllM try 11I1l!;llr.r.. rllrdl;.t~' rJ("';d~h ,\nv.ln<e ..fl{~r )'1111 nilV{'
\)(orn nOlifwrl lh<ll your I'rivik1:"r 'n It~ :"'11If :vrrnlllt hi!..\ J-x.or 1r.mJin,1IN!, Yilt! nlil~ If'nnill<ll(' Ihil
I~rr{'mt~nl ill ;Ill)" [ill\{:, If,.."1 rio, YOlllnll\1 Ir'llll'lI III l.L\ lIlI (~._f~)I\1.l~lIk.rl(r C:hc-,'h prc-vi'lIl'l.'y
i..:<'llrrl Oil UW~ Anollr.1. IfY"1I rAil It\, \Nt' m<l~ rr~l"ifl: lit.., Y'"II~):l"lur illlf'lllo Ir'nllill;II," ill "Ti~
inJ.:, \,.Illf II! '"11" 1,'nllillilli'lIl ....ill 11111 ;Jf~c:l ~"Ir e):;i~ull~ (llllilf~ .....-In- Ihis ~11"'IlK:1I1 (If )"1111' Iii!-
hilir~. fur <III rll<lfl:~ 1)<1~lt:rlI(l)'llllr AnOUlll pri'l[ In In<: tirrr;d'f"grrh ;lIld Urlll.~ C.tIll1i("llic-lln'
(:II,'rlr..~ l\QWrl'ln )"I\lr ACT'lIJ1\I.re rrlllnl('d II) liS..
Notices: Wr will send Sl</ll'nlent,S..nti any olhcr OOl.iccr. 10 YUII3t1hC iIlirir~ sh()WTl ill lI"r filM;. Ir thi..
is iI joint aCColmt, we ...an senrl sUlemcots .tIln nOli<o; 10 cid.:s.. you. V()ll prnmi.\(' II) infrwnl lIS
promptly ill writing of .1lI}" ch.lng-c in your ~r1drt':S\, Wr mil)''' 01'- di.~retioll am'pt ;flilhl':lo.-'; nllTl"(.
linns from Ule Unilen SUllt'" Prr.;tal ~rvice.
fomgn CurrnIcy T~ TI7n.w.tinns in fnrcign wrrario. will ,he- rnm-rncrlln lUi, [)OU;Ul;
lInr! poslcd Ul YOllr ACCUllnl .1 {he e:r.ch.mgl' r,ue dclt'nnint:d "r Iibsu::rC,ard 01" VISA (nr Iheir ;dlil~
illClOl, Il\ing their then current CUfTrncy coovcmon pruceduRS_("h'lrgl.". Currently, thc r.llrrcncy
rrm"'t13ion roue is genc~lIy either a whnles;de milrkcl rile or a ~e.nHTIllnd:lIed iollt in effCCl on
rhe dale of cOllvcnion, in(fc.a\(~ by lhc OIppliGlble coIIYC13iooda1p: rktenninerl b)' Mat;tcrCard or
VISA. The currency conversion Idle usro on the convcnion __..,.rliffer horn the iolle in effect on
!he dale)'Oll used your C.ard or Accounl
S1rip/Promoboual FeablreS: From lime 10 lime, we may leI ru-~or rrouce one Of more monthly
p:lymcnrs during a year and/or we may lemporarily reduce Wm.M13te certain finance Olarges on
...11 or a portion of your Account baJance 01 offer you other spemhr:mu. if we do, we will adviSe}Oll of
Ihe scope md r!uration ofthc appJioble s~p or promotion3fbu!::. When me slip or promotional
feature eneh, your regul<ir rales and telTIl.\ Will rcsumt.
Oa.ngt in Ihis ~1: We an change lhe tenn5 of this~l. including me ANNUAL PER-
ClJ'\'TAGE RATE and any fees, al any time. We will notify.,.dlhc ch.mge, AspcrTDiuC'd hyapplk.
able law, ;my change in this Agreemenl ",,~II become efTmJ.c x !he time staled in our notic(: ilnd
unla.s we 51.3te otl1erwi.se. the change will apply 10 all olJtJil:l~m.lances in your Accoulllas well a\
to new tr.lnS3ctions,
Credillnfonna.tioo: You agrtt thai we may request ronsumcuJtDlre:port.I from one or mort credit
reporting agencia in connection ...;th your application .and __ adiainislnDOn of your Account. You
also authorize us to c:xcha.nge crC'dir infonnation conccrninc:p. your Account with (and answer
questions and requests from) others, such a!i merchants and ani! rc:poning agencit::S.. We may share
informaDon abool you with our affili3lerl companits.
Slr>o.~ lnfOl"JlWion with ~ Companies: W~ may ~~ aboul-you,.,;!b Olll" affiliat-
ed ("O~es, You may ~ues:t thai we- do nol shart inr~ (otha Ihm thai ~l.a~ to your
Acr<-'.!Dl) \oit:h our affiliates by writing 10 us at rll'St USA ~1U., FCRA Opl Out, P.O. Box 8865,
\\'ilmington. DE 19899-8865" PIeasc iDdudc: your name, addrcs-_;acrolll'll number ......;th your n-quest.
Cardmember l...i.s:ts: from time 10 tim<=:, we may sha.re our ardmcmbcr Jis15 "ith ("ornp;lOK::s whose
prv.luw and services we think will be ofinlemtlO you. We QfcfulJy rf"Vkw these offers 10 nule sure
Ihey rneel our sWlchrch, You may rcque;1 that your name no( b:: ~ll 10 thl:Se' rompanK::s br writing
1110;11 Fir;;( USA Rank., N.A.. P,O. So:r. 8651. \'~lminglOn, IX" J9!99..865l. Plcase include your nilln<=:,
;lddre~ and account number with your request..
PhOM Calk In the regular course of Ollr bll!iin~.~ ~ mOly -.dor and reeord phone eon\lC'~tions
tntlck or I"ecdw.-d by our employees. You agree thai we wiD ialc:sach righl with rcspeclltl .all phone
conl-'t:rs::Iuons hctwC'en you and ollr employees. whemer iniUa:iit]Ou or any of our cmployt.~"
Refusal To Honw Card: We are nO! rcspoll5ible (or rcfl.l5llr... honor your C.ard or i.nllvcnience
Olt't."I:s. Anrl, C)leepl a..\ olhc~ r~ired b)' OIpplioble bW_-ItpIbUOIl, wt' will nOI he H'_\rx)~ble
fur Im'l'chandisc or services purchased or I~ through 1l.'iC.,-,.. Acmunl
1rre;uJar Pa'}'men[S And Delay In EnforttJJlml: We 0Il1 aceqa.i* payments, partial pa)'lTlCJll~, cht'cl::.s
~Iwi m')nC)' ordcT!i tnilrkcd .Paid in fulr or Ian~age ha\'i~lIicamc dfro withoullo5inR any of ullr
ri~hl\ limier this A.gTeemcnl. We an al\O rlclitr enrorcing ClEapl5 under I.hi\ Aweonclll :l.1l}' lIllOJ.
1lf'I' lIfrinll$l<Iith'lutll)O;ill~ lhcm. The fac\ thai W(' maY:!I3n!'.li.rltonor" Purrh:L\C' nr(:a.~h ^r1v,lIl((~
ill ("Xl''\;.\ U()'lllll' m;LXilllutn crcrlitline d()('S nOl uhlig-oIll'; m ...m".il.J.;din.
Ij;abilil)' for UrtllurJ,onzrd the or Your AeetJW1t: If y.mrC:.d DF 1;'llwf'IIil'lu"t" (11l~:1t.\ ;Irc' I"", .11
~1"II'11 'If ifYCIll an~ a.f"I-.Iid SlIlIlI',,'I<: may 1lSl.' yom ArT'IUlII.....,.,ur Ilf"nlli~"")f\, ytm 1I111S1 1I"tif~' It<-
.11 011\("'"_ YOIl 1ll.IY h(~ Iiiihlt' fur Ih3tlllt;Unhnrill'lJ ll~~ ,11' "...Arn.IDI. Y..u orill nlll 1)(' Ii;l"l,' II" 1U1;l\f
rhl1l"ifn! uS!' lh;u ,wnm. ilflt:r "III nntiry l-if$1 Il~ f\;ml.llA.. by ""'1;li,,!-: III II~ "' 1'.0. 1\11): l'Ili:oI,
Wihlllll,L:lun, DE 1~IHJ~I-Xfi!"II, lIr vc.:rh;llI)' II}' 1~llIill~ 11\"'1 ~,71U1, ,,! Ihr IrM "I" 111I'11 ul \11111
1~1\l1 'II (:'ulVt'nil'll,.I' C:h,,'b nr lhr I"~....;hlr' ul!;lInl",ri"",__... ~"'In ^lftWIlIl. III :UI\' ',l"'" I~'I:'
'1I:1);1lI1111lJ li.lbilil)' i.s i:rIO.fKI. WI' IlU)' wnuill:llr Ill' lilllil :K'n:."~lr ,'u'''ltIIl if )"111 It;!\'{' 1I"lili.~l '"
'>I \\,. !l,II" 1lc'll'l"lllilll'rl 1I1;1! )'llllr (::trd llr {:'um'lli"\I1',' (lnLokl\'II;!\(' 11I"II!I,,;r '" 'l.tlt'll. "1 11,,1'
1111'1" llllrlll'III';llul,.,rifJ'l1 ;tCf"l'l"II'YI"tl A'.I'"ITll.
'\,...iL,'lIlJlr'III: \Vf" 111;1)';11 ;lllr lillII' ;N.;iJ:ll ~'.ltl A" "lilli, ;lll\._dr...., 'II ""I! :\, \ ""111,1111' .\!:',"'ll>q;'
"1 ';1Il li_l:ht~ "I ,.hliJ..::l1i"I" '\lulc.r 1l1I' Al:ICTllwnl. Jill' J~~..,w!i''ln ,,-,. 11I;11.:" ,Ill\" ~U'\I .I~~I~;,
111"111 '!I,llf IH' nllilh.,II,. ;111 ,.1 'lilt 1110:111.\ 1111,1"1 ill!' :\I:/I"f-lDo.e,~nl'. 1.,I,'Tll ."~I!:n,.,I.
C;llHJe\'H','(; lAW: JIll:; ..\(;RI'J:/-.-W1\T :\1\'11 \'Il\iH .'\fl._"''''1 \\'1/ I l\~ (,I J\H':.'(I-]I J:' 1111
1..\\\ Ill- rIlF.-':I:\"Il.t lFllI-:l.'\\r..\Rr\\n.:\';.\l'!'I.rr~-\&f ft--I I'} 1.:..\1 1.\\\
In<l"jri,'~ l'r (!\I"St;'IIIS: \""1 Ill;I\" ",!rh,'" .111' 11"1.'llllo'~-C'"fP""lj"'I~ ,'~'" I, '"", t..",. .11..,.;'
\1.' "lIIlI I'" FII'I [1\_,\ Iblll" N A" I'll r~,\ ,"';,1. \\"J'H'"~ r.-i,'W.II" J'I~~'j"",',I. ,., I,'., '~I-,".
'I' J ..., ~1~;77 ~ In r If n ,\I 11'1"ph. '1'" ,,~ 1rt~1,'.,d "I \, 1111Ioe_ <-.., '<t. " !. _, ,,'j 1..lIt II!:!!" :I". !.,~, .
,.", I" ,h'l"ll,'IIIIIIlI!.: n I',h (",. "'''''''111 H,IlIlIl.: 1-:.1~11l~"1
, Page 11 of 12
,
YOlJR nIlJJN(; R1CIIT:-;
K....p This Nnurr Fur FllIlln' list'
1l,i~ ,."I;,r, ,"l1;1illS i!lll''''\;l1lt iU\<)"li.'li,,,, .t1.'"1 ;""11 l.glllS .11"\ "III II;;l1<m,ihilil"ln ,lIllk, Ih,. f.lIl
C1l'~dill\illilrJ.:MI.
Nvt.if)' U5 In l,.3.<;oC Of [...nw5 Or Quc<ouorl~ Ahoul Your L1ill
If rl!.l Illinl Y'lllf bill i~ W'frlllR, Ilr ifYllll Iw.:rlll1nn: i,IJ',wlTlilu,m ;lllc)lll iI Inn.';;Kli'll\ nil Inlll" hill.
....'Tite 'l\ un iI 51:1><1'0111' ~1ll'CI.1l Fil")i! USA Ilml, N.A., !'.O, f\,,)X 1\ti~11, Wihnillgloll, Dcl..w.lIr I~I~I'J.
Rfi51. Wrilc In 1I~;L\ .",)tln iI~ fYl'!:...ihlc. Wr 1II11.~1 hc;iI! [r')rf1 rill Ill) bt.er IhaTl r.,o r1;1)'S iIllt~1 W(' ""111 \1"1
.he ri",,! hill OIl which Ill!' rnnf m prnl1km apl'c:arl:11. 'l'ou CV1 !dephonl" us., hUI doi~ !ioO ...lJl not
preo;el"V\"YOlJl" righlS.
(II YOllr \cllo.j.;iV(" Ir.i Ill(' rotlnwinl-: inforlll.uioll:
Your rlllme llncl acrllllnlllUlTlOcr.
11)erlotlar;lmollnlllfth(,5US~Clt-rl{:rTur.
Oo.crihc l.he ,-nO! lllld clplain, if YOll C.II1, why YUIl ocri{~ then' ~.1Il CITIlr.
If rill ncer! more infunnaL.ion, des.r_rilx: Ih(: ilem yt"1 arc 1101 511fC llhnul.
Your Righl~ .f:-nd Our Responsibilities AIler W( RN"eivl: Yow Wri"eIl NobC(
W{" mU.\1 ad:l\owkdge YUll; iclleT ....ilhin 30 r1l1~, UIl1cs.~ we have corTencd the error by then. Within
90 {I.a~, wc mUSl eiVl(:r rorreel Ihe error Qf cxplilin wll}' we helieve thc hill was cnrreet
Aftcr we rcedYC your klier, w~ c;nnolll)' La wikel all)" amoun! yoLl qucslion, or repvn )'OU .1.1 delin.
quent We can continuc 10 bill you fDr dl/: amounl )'011 qur-.slion. including finance rharg~. Uld we:
can i1pply any unpaid amollnl a~insl your credillimil. You do nOl havc 10. fUr any qu~tioned
amount while we Me investigating. bUI you arc ~till ohligalcd 10 pay thc pa.rts of your bill thaI arc not
in qucslion.
If we find thaI we mildc a miMake 00 your bill, you ....ill nOI hllvc. 10 par any finance rrnrJ::c:.I relaled 10
illlY questioned aJ1lounllI we dido', make a IIlL~lale. you may have 10 pily finance charges, Vld you
will have: \0 make up a.nr mL'iSCd payments 00 the questioncrl ;unounL In either case, ....'t' ....ill .\oend
you a 513tL:menl of the am!?~t you owe and the dale l.hal it is due.
If you fail to par dlc amount dial we think you owe, we may rcpon you itS delinquent Hov.n~r, if
our expb.nauon docs not satisfy you and you ""rile La us ....ithto Icn da)'5 lelling us thal)'Ou soU re~
10 pay, we must lell anyone wt repon you 10 thaI )'Ou ha\le a question aboul your bill. And, \<'t mUSl
'ell you the name or anyonl": we reponro you (0. We must lell anyonl": we report you 10 thaI thl": mal.
I~r has been scldcd bcrwcc-n us when ilfinally is.
If we don'l follow thes.:: rults, we can'l COlll":el the rll;.t $50 of Lh~ questioned amount, even ihoUI bill
"'"itS correct
s~ Rull" For OWt Card furcL.a.ses
If rou h(lV(' ;I problem ....ith the qu.uit), of property or scrviccs thai )Qu pllrc~ascd witll ~ credil cllrd,
4J.d }~lU ~~\'c lri~d in f:ood faith 10 (OrT{'rl l.he probkm ....ith Ihe mcrchanl, you m:.l)' h:.l\( the right
Jlot ({I p;J)' VIe remaininJ: amounl due on the property ur serviecs. There ;Ire ['wo limit.-luolU on this
right:
(it) You llluSI hilve llIade the purchase in your hOlm: Slate or, if not....ithin YOllr home
.~t;lLC. ",ilhin 100 miles of your currenl mailing address, and
(b) The purc.hast priel": must have been more than $50.
TIlest: limit.;lliOmi do nor apply if we f)Wfl or olKldle th~ merrhanl, or UWC lll.lulffi you the ;!dverUsc-
lll~nl for !he propC"rty or r.c:rviecs,
FIRST USA
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, Page 12 of 12
I
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 PA. C.S. 4904 relating
to unsworn falsifications to authorities, that he/she is _ Angela_S. Szlezak
(NAME;
._ of _(>~t U~AJ NAc-, plaintiff herein, that
(COMP)lNY,
Assistant Treasurer
(TITLE)
he/she is duly authorized to " ,3";1" this verifir:ation, and thi1t the facts et forth in the foregoing
Complaint are true and correct to the best of his/her knowledge, mfo:' <1ation and belief.
'-.
(SIGNATUR
Angela S. Szlezak
Assistant Treasurer
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE MANHATTAN BANK USA, N.A.
SIVIfT BANK ONE DELAWARE, N.A.
Plaintiff
No. 06-2333
VS.
PRAECIPE FOR DEFAULT JUDGMENT
BRUCE C. ENSOR
Defendant
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
BENJAMIN R. BIBLER, ESQUIRE
PA I.D.#93598
Weltman, Weinberg & Reis Co., L.P.A,
2718 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#04871894
Judgment Amount $ 11,817.61
THIS LAW FIRM IS ATTEMPTING TO COLLECT THIS DEBT FOR ITS CLIENT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
.
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE MANHATTAN BANK USA, N.A.
S/I/Itr BANK ONE DELAWARE, N .A.
Plaintiff
vs.
Civil Action No. 06-2333
BRUCE C. ENSOR
Defendant
PRAECIPE FOR DEFAULT JUDGMENT
TO THE PROTHONOTARY:
Kindly enter Judgment against the Defendant, BRUCE C. ENSOR above named, in the default of an
Answer, in the amount of$11 ,817.61 computed as follows:
Amount claimed in Complaint
$11,596.57
Interest from February 15,2006 to June 13,2006
at the legal interest rate of 6% per annum
TOTAL
$221.04
$11,817.61
I hereby certify that appropriate Notices of Default, as attached have been mailed in accordance with P A
R.C.P. 237.1 on the dates indicated on the Notices.
WELTMAN, WEINBERG & REIS CO., L.P.A.
By:
B JAM1N R.
PA I.D.#93598
Weltman, Weinberg & Reis Co., L.P.A.
2718 Koppers Bldg.
436 Seventh A venue
Pittsburgh, P A 15219
(412) 434-7955
WWR#04871894
Plaintiff's address is:
c/o Weltman, Weinberg & ReisCo., L.P.A., 2718 Koppers Building, 436 7th Avenue, Pittsburgh, PA 15219
And that the last known address of the Defendant is: 1024 TEAK WOOD LN
ENOLA,PA 17025
.
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE MANHATTAN BANK, USA, N.A.
s/i/ilt BANK ONE DELAWARE, N.A.
Plaintiff
06-2333 Civil Term
BRUCE CENSOR
Defendant
IMPORTANT NOTICE
:..'1
.,.
TO:
Bruce CEnsor
1024 Teakwood Ln
Enola.Pa 17025
~. ,."'
Date of Notice:
Spq \ Olj
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE
PERSONALLY OR BY 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 NOTICE TO A LAWYER AT ONCE. IF
YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE
TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
LAWYER REFERRAL SERVICE
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
(717) 249-3166
WELTMAN, WEIN
~
,
By:
William T. olczan, Esquir
PA I.D. #47437
WELTMAN, WEINBERG & REIS CO., L.P.A.
2718 Koppers Building
436 Seventh A venue
Pittsburgh, P A 15219
(412) 434-7955
WWR #04871894
.
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYL V ANlA
CIVIL DIVISION
CHASE MANHATTAN BANK, USA, N.A.
s/i/ilt BANK ONE DELAWARE, N.A.
Plaintiff
06-2333 Civil Term
BRUCE CENSOR
Defendant
IMPORTANT NOTICE
TO:
Scott A. Stein, Esquire
3800 Market St.
Camp Hill, Pa 17011
Date of Notice:
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE
PERSONALLY OR BY 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 NOTICE TO A LAWYER AT ONCE. IF
YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE
TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
LAWYER REFERRAL SERVICE
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
(717) 249.3166
WELTMAN, WEI BERG & REIS CO., L.P.A.
n
By: ?.h .
William T. Molczan, Esqulr
PA J.D. #47437
WELTMAN, WEINBERG & REIS CO., L.P.A.
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, P A 15219
(412) 434-7955
WWR #04871894
.
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE MANHATTAN BANK USA, N.A.
SflflfT BANK ONE DELAWARE, N.A.
Plaintiff
vs.
Civil Action No. 06-2333
BRUCE C. ENSOR
Defendant
NOTICE OF JUDGMENT OR ORDER
TO: () Plaintiff
(xx) Defendant
( ) Garnishee
You are hereby notified that the following
Order, or Judgment was entered against you
on- !!~,'s:'" I S', ~(p
(xx) Assumpsit Judgment in the amount
of$II,817.61 plus costs.
() Trespass Judgment in the amount
of$_pluscosts.
() If not satisfied within sixty (60)
days, your motor vehicle operator's license and/or registration
will be suspended by the Department of Transportation, Bureau
of Traffic Safety, Harrisburg, PA.
(xx) Entry ofJudgment of
() Court Order
() Non-Pros
() Confession
(xx) Default
() Verdict
() Arbitration
Award
By:
PRO
BRUCE CENSOR
1024 TEAKWOOD LN
ENOLA,PA 17025
Plaintiffs address is:
c/o Weltman, Weinberg & Reis Co., L.PA, 2718 Koppers Building, 436 7" Avenue, Pittsburgh, PA ]5219
1-888-434-0085
~
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYL VANIA
CIVIL DIVISION
CHASE MANHATTAN BANK USA, N.A.
SII/Irr BANK ONE DELAWARE, N.A.
Plaintiff
vs.
Civil Action No. 06-2333
BRUCE C. ENSOR
Defendant
NOTICE OF JUDGMENT OR ORDER
TO; () Plaintiff
(xx) Defendant
( ) Garnishee
You are hereby notified that the following
Order or Judgment was entered against you
on
(xx) Assumpsit Judgment in the amount
of$II,817.61 plus costs.
() Trespass Judgment in the amounl
of $_ plus costs.
() If not satisfied within sixty (60)
days, your motor vehicle operator's license and/or registration
will be suspended by the Department of Transportation, Bureau
of Traffic Safety, Harrisburg, P A.
(xx) Entry of Iudgment of
() Court Order
() Non-Pros
() Confession
(xx) Default
( ) Verdict
() Arbitration
Award
Prothonotary
Scott A. Stein, Esquire
3800 Market St.
Camp Hill, PA 17011
Plaintiff's address is;
c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 4367'" Avenue, Pittsburgh, PA 15219
1-888-434-0085
. .
IN THE COMMON PLEAS COURT OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE MANHATTAN BANK USA, N.A.
S/IIIrr BANK ONE DELAWARE, N.A.
Case no: 06-2333
Plaintiff
NON-MILITARY AFFIDAVIT
vs.
BRUCE C. ENSOR
Defendant
The undersigned, who first being duly sworn, according to law, deposes and states as follows:
That he/she is the duly authorized agent ofthe Plaintiff in the within matter.
Affiant further states that the within Affidavit is made pursuant to and in accordance with the
Servicemembers' Civil Relief Act (SCRA), 50 U.S.C. App. ~ 521.
Affiant further states that based upon investigation it is the affiant's belief that the Defendant, BRUCE C.
ENSOR is not in the military service.
Affiant further states that this belief is supported by the attached certificate from the Defense Manpower Data
C<~~::~::::~::' DgCC7lf1J ~ m::~~;",
TO AND SUBSC~J~ my presence this 12daY
. COMMONWEALTH OF PENNS'iL'iAN\A
Nolanal Seal
Held' J. Kelly. NotalY pu\)\ic
City Of Pitt5burgh. AllegI1eny county
My comlmSSlOn Expires Nov.4, 2009 .
Member, Pennsylvama Association ot Notanes
This law finn is a debt collector attempting to collect this debt for our client and any infonnation obtained will be
used for that purpose.
Request for Military Status
Page lof2
~ . . r
Department of Defense Manpower Data Center
.. Military Status Report
_ Pursuant to the Servicemembers Civil Relief Act
JUN-13-200606:12:23
< Last Name FirstlMiddle Begin Date I Active Duty Status I Servicel Agency
ENSOR Based on the information you have furnished, the DMDC does not
possess any information indicating that the individual is currently on
active duty.
Upon searching the information data banks of the Department of Defense Manpower Data Center, based
on the information that you provided, the above is the current status of the individual as to all branches
of the Military.
~~~~
Robert 1. Brandewie, Director
Department of Defense - Manpower Data Center
1600 Wilson Blvd., Suite 400
Arlington, VA 22209:2593
The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that
maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the
official source of data on eligibility for military medical care and other eligibility systems.
The Department of Defense strongly supports the enforcement of the Servicemembers Civil Relief Act
[50 USCS Appx. 99 501 et seq] (SCRA) (formerly the Soldiers' and Sailors' Civil Relief Act of 1940).
DMDC has issued hundreds of thousands of" does not possess any information indicating that the
individual is currently on active duty" responses, and has experienced a small error rate, In the event the
individual referenced above, or any family member, friend, or representative asserts in any manner that
the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly
encouraged to obtain further verification of the person's active duty status by contacting that person's
Military Service via the "defenselink.mil" URL provided below. If you have evidence the person is on
active-duty and you fail to obtain this additional Military Service verification, provisions of the SCRA
may be invoked against you.
If you obtain further information about the person (e.g., an SSN, improved accuracy of DOB, a middle
name), you can submit your request again at this Web site and we will provide a new certificate for that
query .
This response reflects current active duty status only. For historical information, please contact the
Military Service SCRA points-of-contact.
See: http://www,defenselink.mil/faJILpis/PCOllSLQR,htn:JJ
WARNING: This certificate was provided based on a name and Social Security number (SSN) provided
https:JJwww.dmdc.osd.milJscraJowaJscra.prc_Select
6113/2006
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SHERIFF'S RETURN - REGULAR
CASE NO: 2006-02333 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CHASE MANHATTAN BANK USA
VS
ENSOR BRUCE C
RONALD HOOVER
, Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
was served upon
ENSOR BRUCE C
the
DEFENDANT
, at 1700:00 HOURS, on the 1st day of May
, 2006
at 1024 TEAKWOOD LANE
ENOLA, PA 17025
by handing to
DONNA C ENSOR, WIFE
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing Her attention to the contents thereof.
9- 5J' ..,fot.,
18.00
13.20
.00
10.00
.00
41.20
So Answers:
r~~
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
R. Thomas Kline
05/02/2006
WELTMAN WEINBERG REIS
me this
day of
BY:~~
Deputy Sheriff
Sworn and Subscribed to before
A.D.
Prothonotary
..
..
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE MANHA TT AN BANK USA,
Plaintiff
No. 06-2333
vs.
PRAECIPE FOR SATISFACTION OF
JUDGMENT
BRUCEC ENSOR
Defendant
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
Benjamin R. Bibler
Paid # 93598
Weltman, Weinberg &Reis ,.L.P.A.
2718 koppers Building
436 Seventh Avenue
Pittsburgh, Pa 15219
(412) 434-7955
WWR No. WWR# 04871894
<<
..
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE MANHATTAN BANK USA,
Plaintiff
vs.
Civil Action No. 06-2333
BRUCE CENSOR
Defendant
PRAECIPE FOR SATISFACTION OF JUDGMENT
At the request ofthe undersigned attorneys for the Plaintiff, you are directed to satisfY the above-captioned
Judgment.
WEL TMAN, WEINBERG & REIS CO., L.P.A.
By:
Benja in R. Bi I
Paid # 93598
Weltman, Weinberg &Reis ,.L.P,A.
2718 koppers Building
436 Seventh Avenue
Pittsburgh, Pa 15219
(412) 434-7955
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