HomeMy WebLinkAbout02-1729
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EDWARD STOCK, ESQUIRE
I.D.#l3657
18th Floor
1608 Walnut Street
Philadelphia., Pa 19103
(215)893-9322
Attorney for: Plaintiff
DISCDVER BANK, ISSUER OF DISCDVER CARD BY ITS
"'GENT DISCDVER FINANCIAL SERVICES, INC.
H COURT OF COMMON PLEAS
P.O. Box 6011 OF ClJMBERLAND COUNTY
Ibver, DE 19903-6011 CIVIL ACTION _ LAW
"Le ban demandado a usted en Ia corte. Si usted quiere
defenderse de estas demandas expuestas en las paginas
siguientes. usted tiene veinte (20) <lias de plazo al partir de
Ia fecha de la demanda y la notificacion. Hace falta asentar
una comparencia escrita 0 en persona 0 con un abogado r
entregar a la corte en forma escrita sus defensas 0 sus obje<:1-
ones alas demandas en contra de su persona. Sea avisado
que si usted no se defiende. la corte tomara me<lidas y puede
continuar la demanda en contra suya sin previo aviso 0 notifi-
cacioh. AdemaS. la corte puede deci<lira favor del deman-
dante y requiere que usted cumpla con todas las provisiones
de esta demanda. Usted puede perder dinero 0 sus prcpieda-
des u otros derechos importantes para usted.
"LLEVE ESTA DEMANDA A UN ABOGADO INMEDrATA_
MENTE. SI NO TIENE ABOGADO 0 SI NO TIENE EL DIN-
ERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN
PERSONA 0 LL.A.ME POR TELF:FONO A LA OnCINA
CUYA DIRECCION 'SE ENCUENTRAESCRITA ABA.TO
PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR
ASISTENCIA LEGAL.
LAWYER REFERENCE SERVICES
Court Administrator
One Courthouse Square
Carlisle, PA 17013
(717) 240-6200
Plaintiff
vs.
ANDREW C. MADEIRA and
ANN MADEIRA
452'6 Warrington Avenue
Mechanicsburg, PA 17055-4317
Defendant (s)
"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 de-
femes 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
m~y lose lllo..e~' ut ""S'Derty or other rights important to you.
"YOU SHOULD TA!{E TIDS PAPER TO YOUR LAWYER
AT ONCE. IF YOU Do NOT HAVE A LAWYER OR CAN-
NOT JI..FFmm ONE; GO TO OR TELEPHONE THE OFFICE
SET Ji'Ofl.TliBEL.r)W. TO FIND OUT WHERE YOU CAN
GEt' r...E:GAi HELP.
No.02 - /7..2 ~
CU't(-T;a
CIVIL ACl'I(IIl
"AVISO
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EDWARD STOCK, ESQUIRE
I.D.#13657
18th Floor
1608 Walnut Street
Philadelphia, Pa. 19103
(215) 893-9322
Attorney for Plaintiff
DISCOVER BANK, ISSUER OF
DISCOVER CARD, BY ITS AGENT
DISCOVER FINANCIAL SERVICES,
INC.
P.O. Box 6011
Dover, DE 19903-6011
Plaintiff
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
CIVIL ACTION-LAW
vs.
NO. O~ - IT~'{
O,"v~'l'-r~
ANDREW C. MADEIRA and
ANN MADEIRA
4526 Warrington Avenue
Mechanicsburg, PA 17055-4317
Defendant(s)
CIVIL_ ACTION
COMPLAINT IN ASSUMPSIT
1. Plaintiff, Discover Bank, issuer of Discover
Card, by its agent Discover Financial Services, Inc.,
is a duly organized banking institution under the laws
of the State of Delaware and has a principal place of
business at the address contained in the above caption.
2. Defendant(s), Andrew C. Madeira and Ann
Madeira, are adult individuals and reside at the
address contained in the above caption.
3. After application by the Defendant(s) to the
Plaintiff for a credit card account, which application
was approved by the Plaintiff, the Plaintiff issued a
credit card to the Defendant(s) so that the
Defendant(s) could make purchases from merchants, on
credit, who had established a business relationship
with the Plaintiff in regard to the same.
4. Plaintiff attaches hereto a copy of the
standard Cardmember Agreement to this Complaint as
Exhibit "A" which contains the terms and conditions of
the undertaking between the Plaintiff and the
Defendant(s) .
5. Thereafter, the Defendant(s) utilized the said
credit card on various and sundry occasions. .
6. Plaintiff attaches hereto as Exhibit "8" to
this Complaint, a true and correct copy of the last
monthly statement in regard to the activities in
connection with the Defendant's account and also
attaches hereto as Exhibit "C" to this Complaint, an
Affidavit from the Plaintiff attesting to the present
balance due the Plaintiff from the Defendant(s) 1n
regard to the said account.
7. Notwithstanding repeated requests and demands
of the Plaintiff upon the Defendant(s) to satisfy the
outstanding indebtedness in the sum of $10,050.88, the
Defendant(s) has and still refuses to pay the same.
8. As a result thereof, Plaintiff has been forced
to incur reasonable attorney collection fees in the sum
of $1,507.63 in an attempt to legally enforce
collection of the debt due it from the Defendant(s),
which reasonable attorney fees are the responsibility
Agreement.
9. THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
WHEREFORE, Plaintiff, Discover Bank, issuer of
Discover Card, by its agent Discover Financial
Services, Inc., demands Judgment against the
Defendant(s), Andrew C. Madeira and Ann Madeira,
individually and jointly, in the sum of $11,558.51,
with interest and costs.
DATE~
VERIFICATION
EDWARD STOCK, ESQUIRE, Attorney for Plaintiff herein,
verifies that the statements made in this Pleading are
true and correct and that he is authorized to make them
on behalf of the Plaintiff. He understands that the
statements herein are made subject to the penalties of
18 Pa. C.S.A. Sec. 4904, relating to unsworn
falsification to authorities.
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Ducevma
F1NAIICIJIL SEfi:VlCES. CARa
CARDMEMBER AGREEMENT
Pima raad this Agreement C3retully betore using your Discover" Card
Ac::unt. It contains Ihe lerms and conditions at your Account, some of
'Nhic~ may have changed !rom mller materials )rovided 10 you. In Ihe
event :1 3ny differences. this Agreement sh3J1 ::ntrol.
AG:;E:"'E~ teRMS: The '/lord "Account" means Jour Discover Card Ac.
c=u~:. ~~e 'Nord ~Card. meJns anyone or mora Cisc::ver Cards issued to you
cr s.:r.:ecr:e else wit' ycur~l.raicnntion. !J1e 'Ncr:s fOU", '"your", or "yours"
rer;( :':.:n addition to you. :tie Cardmemcer.lri'/ !:u~er oerscn or perscns who
are ~so c:;ntrac:ually liaoie under this Agreement 7'he 'Ncros -'/le". "US" and
~OIJr" .-atar:o Greenwood Trust Company, the issi:er or j'cur Discover Card.
AC:E?TAHCE OF AGRSm. The usa oivcur Acoount or, Card, bV'lou or
ar.yc~a '!mam you autncme or permit :0 usa j'ct:r Acc::ur.t Jr a Care: means
JCU a~:t :tis AlJreemeCTt
USe of 'fCUR ACCOUNT. ~our A=unt "'->"Y :~ ::zaj tor.
i'-,rc:-= . to purc....as.; or!e:1S3 goons or ser.1Q2S:rom NOVUS'" NerNorX
mer:.-..ms by presenting JOur Cord or ac::oum .1umber.
Caso AC;ances . to obtain c:lSh advanoes at ,'ICIJUS Cash Net/lor" auto.
;7ia:~ ~;!Ier m3c:1ines. :rcm panic:;ating ~r::il~C:1i institut;cnSJr otl,er
!cwtcr.s, or by means ot o:t1ec!<s 'Hnic:! 'He7'.a'! furnish to you, ill in
ac:::rcanca wit, suc.~ aadrnonat terms ana ::~:;-:cr,s as ::i;!y :e :mposed
fr:r:: :,~a to time.
~~
au~~ 7;-ar.sfers. to ~.ranstar ~aiar:c~s frcm ':2e!' ::-:dt ~rC .1c:::unts tv
:n:.z:iS :i 'JaJanc~ transfer c:uoons ;r :::~~<S. :;1 lC:O;:';i;C~ wrG-: ::uc~
:c:::c~.al te;:";'iS and c::~citicns ot oriars Giat ;.-: :nace frcm tirr:e:o time.
:n acc::c~. your io.c=ount ~.ay ce u~ tJ gUaJa.:::!: :;0121 r:seria::CIi;:ir :Jr-
t:c::::~; :!"...:::1S;jiii8ITt:. '(ou wiii :e :i~c:e :or ;::~ianreea re~ervations ~at
are :"::i ~i:ca!ea Jr10r to the time soect;ed :'{ :he :S>.ablis~merrr.
'/C~J ~.~;:= :,';.1: ',let: 'Nil! .:r:;y usa yeu: ,~c:::.:n~ ~=r ::~Ci1aL ::u'!:iiy, :iCUSS!1cid
i~C .:.-;~~::.:id ~ur:osC$. '(our Acc:unr:::av r:ot:e :;$20 70r ~usiness Jr ,:om.
,":ier::.:; :::r:CS2S :~r ~o ~b~n leans ~: ':ur:~l:::. :::"'71 cr :raca in s2c:,moes.
;;; ~:c~~:i1. jour ,.1.c:=unt .i.ay net be usaa:o ca'! ~-.'! amount you owe ~nder
:.~:.: ,~~r~;.:ent ,::r;cr ~o ~ wse. e.lc., Ca.rc ro~S!:: signee by the :~rscr: ~c
N~C~ ;: :$ :s:;:t;c(J. We are net res~ons;:ie ~cr::':a ::r::S<ll ot myor.e ~o ac~pt
;:r ,~c"'i(:r i Curd or to lc:~ot c~ec:<s ~ we I"'.G;'~ :rC'Ilceo you. Yeu mus!
';!:.:r.: ~'7f I:lirc cr IJm.::;aa :~ec~ to us :,,[Ccn ~C:"::st
AUT:~CRIz.:~ ~RO USES. :f J'OU 'Nant :J '::ll"';C-;! :":e 1urr.crt:ed cr ,ar:r:it.
;:c :~~c ~t~;cur ,;:"ccoum:.y 3!,omer ~erscn. :,'cu ;.::..:S! ,-:otr~1 us in wnting or by
,=!e::;:cr:~ ana .1estrcy any \Ara in mat ,:erscns ::s3es~icn.
MEMBERI~IHErNORK
:JSOi-l4ATi.. :::..FH Z/96
EXH2:B I7 ,~"
LIABILITY FOR UNAUTHDRIZECI USe. if a Ca" :s '0" :r S:OI/O, or If IOU
think that 30mecne is IJs:ng yeur :~c:our.:: 'Jr a C.lrc 'ltirncu; 'jO'Jf ~err;'ilszion.
notify !.IS immediately. Yo~ G:ln .1Oti~1 us by :a!e:ncninq i .~aO.CIS~OIjE"
(1-~GO-34i-2Sa3), or bywrmng D1SCOVE~ C;',RD, PS 20x 15155. Wiimmgmn.
DE 19886- ~ 002. You ii1ay~e !iacie for the unaut::anzec use of a Cdrl! or your
Ao:ount You wiil not be liacle fer ~,mal1rhQm:ed use that ~cc::r:i ar.er you
notify us, ~y phone or in ~riting,.,ot the !os:ttneit. ,~r ~os:ilble '..:naut!':ortzed
usa. In any c:ise. your liabJiit'j 'Nul nee exceej s.:C.CO.
CREDIT LIMIT. We will acvisa you of your c:=ctt :[mit We may inc:eas2 or
aec:eaza your c:et:it ~jmit ~rcm time ~a ::me. '(eu :.qree net to exceea or
artemot ~a =xceea your crccit :imit '(eu '.'/ii! ~xc::e~ :;cur c~e!!lt !irr::t ii 'JOU
1110'N your l.!ncaic balance, :nc:uding ;::;;ai'ic~ ~:~aj.;;s 1i~d fees. ~o =xceed
'leur c:ectt iirr.lt. 'fcur ::2clt ![mlt 'Hii! ,lot 'r.c::.:ce :~; :~cunt 'Jf an,! :~edit
ba!an~ in your Account
PROMISe iO PAY. 'feu agree La pay us in U.S. Cellar: T:'i;i1 :~rc::a.scS. ~S~
aa'fan~.i.l1C ca!ar.ca :r~s;el:: ir.c:ucing atciic.1c:e ,=:r4l"ice C~arg;$ ~i:a ather
c.".ar~es ;~r :ees. :nc:.:rred by you or ali'fCne you aUlO;onze :;i ~er.nrr to :.:52
your Acc:unt or a eai'd. ~'1en it you do nat i:Omy IJs;;:at 'Ju~ers ara 'Js:ng your
~tlnt or a Cant We will c:nvert PUrt~ase.s ana :ash aa':;Jl'iC~$ .i:ace :n a
foreign c:.:rrsnc:, :0 U.S. DOllars at a rate :xistir.q ':;n:;ie dats of con'lersion. It
you pay us in orner man U.s. OOliar;. 'lie may retuse 'a .C02ct the caymen! or
ct'.art;e your Ae:=unt cur COst to ccnven: :'lour :;i:l17<em :'j U.S. JOII4.i"S. All
C.~ecks must de drawn an tunas on de:osrt in the U.S.
tf your ~unt :s a ioim Acccunr. ~ac;, ct :'OU ~,;r2e!: :: :s :~atie :r:crlidually
ana jcinuy far ::'1~ ~ntire arncu;rr awed on 'feur ,~~O~i:t We can ~~Ot !are
~m:ems cr oart:a1 cavmems cr ,~:-:ecxs :!iiC ,7.:r.r:y -:rc:rs ri1a~{E~ ::aYii1ent
:r. iuir arHf'l.il ::"'"iY 'ouier ;es:nCle enccrsa;.:em .Hr..":ClJt :OSing '1iY of ':lur
rigins lJr.aer :his Agreerr:~m.
~OHTHl'f SlUiNG S7ATEME.:iT. 'Ne 'Hlil 5enc yeu ! :::i!ir.g Sta:=~=m after
~:: ,"71cr;t:~{ :iilim; ::ier.ca :n 'NT1ic:1 :;ou have 1 :.:C;: :r::aCl ;a:an('~ ot
Si.80 or more: ~le_oi1ling s:atemenr wiil 5~C'H :':l,::;ft~a$a~. :.1S~ ac':anc::s.
b-~"':cJ ':;"'!i~:7,~::, ,-:raI~C~ C~i;es liiC :n:ar '::'~;:;~::~ ~~e$ ~"::-;:;l;c:.I-
rr.e..rloS Jr ,J!I':er cracits pcs~ea to your Ac::um:urmq :''':e cliling pSi-ce. it',viil
snow your New Balance. Mimmum Pj,ymem Due .:.r.r: ,=1Vi,lem Cue Qat:.
~O~;L'f ,:Xt'~E:r7 :?::C~S. '(ou l7:ay !t 111:/ ::i'1':: ~a? te =:;Ji: ~lew
a.m."iC~ ~::c','jn ::n Jeu:- ':iii:n~ ::::amer::. :Ut ~c~ ;"~Ci1ti '.leu ~t.;St :ay at
ieast me ,\~jr.lrr.um ?l'lmem ~'~e.i.ll :livrr:er::s ,7:::3~ :e ;naliec 'Jr ::;~jvere~
!o '1$ :n Ceiaware It ?O Box :5Oi 1. :Jove:. JE ~ S~j3-3Gj 1 or by '..:sing ~he
=fT'IelCCe =r.c:csea 'Him suc~ s~:mmem. ,;;1 'Jayrr:,:!r,:s 'Nlll :a 3Dcliec as ce!:r.
;orr:eu :n aur ~isc:;nc:1. We :esar'le me ,-:cnt :0 a:c;y PZimenrs :0 cai~"ices
suciec:~o lewer ,j,J'm~aj ?~n:em;lge .~ates. :;;;c:-: as Si:ec:ll rate oal~~c~ tra.ns.
7e~. Jriar :,j:alanC2S ~uc[ec: ~o ~jgner .~nnuai ,:~:-....::.:zGe 2a!=~.
i'~.t"Yl":.i-J~
'~INIMUM ,\10NTHL'f ?AYME~. The ',li~lmum ,',Yf7'en, :ue ",en :nonth
'Mil ':e :.';e s:.;m ~t 1r:v amount :asr .:ua ana ~a ,r::nj~t.im <7;cmhi'! :ayment.
T:~e !71imr:-:um :710r,tj';'lv oavrr.em aae:-: ;7:Cr1m 'Hlii:a ::-:c;r;.1r=r:t S10.00 or
.in !mown :c:.:ai :0 1i.!8th ~t ~~e Ne'N 2alar:c::. :"CUii::ac :0 :~e ~~x: :~iGner
'"nole ::a:lar ,1ffiQUnt ~c'~e..,.e!'.:f ~le New :aiai":~ ~s ;c~ :i;an S:J. :~a r.;~~i.
mum ;ncnu'1iv :Jaymam 'NIlI :e :i:e amour.! 'Jf :;:e New :alancc. (cu ,~n ca.y
;.r1e.1C. Ti,e ,i.1Inimum ;:J:wmem ~:ue ror :ac~ ,"7:a~~~1 :ii!ir:g :a::c~ ',viii be
;~tJc.;:l:'/ :r.e amount you !1.'i'le caiC in =xc~ss.:t:::a .lf1inimum ?1~/mar:t ~ue
in lIlY 'Jt :;;e ii1ree ::ravlOUS .'7icntri;y Jiiiir.g :=r;cCZ._~S3 21.:1 :cr.:an ct :he
~;(C:$: !:;~1C'1 'Jsad:o ;:~l1c: ca'lmems. Hcwe'/er, ~~:re wiil be no i:dl1c~:cn
:t '/clJ~a';'~ :x:2e~ec 'leur ::':CIt' :imit; .:r yeu have _:aid the ~ntirc new 3al-
:f:':: 5,~.:::m 'In jeur :liiir.l; 3~r:;rr.ent. T;lere '.'Jiil aisJ 8e no redt:c::cn :r 'jeur
,~C7:~;.::$ .~ct c:.:rianr, :,as .1cr ;enerally been ~aid :0 :in acCaOtaCle manlier
:r:s ::~~:,'ns: :-:ot ~{l ';cao $~anajr.g"
C:1E:J!i ~)'LUIC~S. We '.'Jill r:;!ul1C an" c~edit Jalarc: wIthin seven justness
~a,/s :;:~ i:czi::t 'Jt four O.\lr.:::en ieqUest It 'fou co :':cc ieat:est 1 ,"arUM. '.'Ie
'.vii! .;.t;:~~ar:c:lIJy reruM ,::eclt :aJanczs greater t,an 51"GO ',vnic;, r:main in
'leur ,':'c:::um liter t'NO :iiiing per-cds.
3AL~HCo iiUHSi':RS. ',ve may oenedic:lJly crr<r feu :he epPCrt:Jnirj to
~wiist:r :ala.ncas :rom atr.e!' crec:t C::lrO ac::unts to '/cur ,~c:::un~ ::lC:1 cHar
',vIi! ';:r';~:: 1n initial s~~:ai ..-ar:!. ''vhic:: wiil be ttle.,~i1nuaj ?~rc2mage .~ate
:i1a~':I!:i ~:::lY:J [raI1starrcc calancas tor the time cer:ca scec:tiea 1n ~'ia ~tfer.
At:=~ :::: :xcir:ition of ~:-:is :jrr:e ,Jer.cd. :ne Ar.r:t:aJ ?~rc::nT;ige ,1:.re :nat
:.CCll~~ ":r :urc:-:aS2S ''vIi! ~CDl'1 :0 tr;:msfi!r.ed jalar:ces. caJanca ~~nsfers
5UCI;~: :~ :na ~mtiaj $OeC::il r;m~ are :2terreo to is soec:ai rare :alance
:ra~s7;::; 'JaJance :ranSiars :cr ",yhic:1 the initial 3cec:aJ rate has ~);cjrea
:[; i~:::~~~ :J 35 ~urc~3sa :at; :alailca :ranstars.
.:zc~ ::;-::; "vlil C:il~n 1n :x:intfcn d:ir~. !f :reu ar:=~ct to tr:msfer :aiar:ces
;y :~=~::$ ,:t a c::ecx atter :''1e ~xciration date. we 'Mil jaJ! :he tr~nsac:on as
1 ~i: ~C";anca. We Wlil i:Ct maKe bajanc~ cr-a!1stars anamoted by means ct a
:::UCCi1 :.i!2r :.~e :xclraticn cara.
?::UQClC mMNCE C:1ARGES. :.:~caot is axoiainea ':e!ow. P~ncd!c Fnanca
C:-:Q~~s an imccsaa on cur:::asas. ::lSi: acvar.cas 11:0 baiance ~'sters ~rom
:ne cat: :~e :iansac::on CC::Jrs to me oat:! ot reoavrr.enl !f the :r.msaC:Cil is
.:c~;c :: ~:our ,~c:::unt aiter::1e c:osa ot t1a olUing ;encd :n '.vnlet: it cc::.:rs.
'.'/e Hlli"~-;.:t:~e rI'W1sac:cn lS ~aving aC::Jrraa en:ie first day at j'ja :Hlinq
2er.:a :;'1 '.'Imc~ it:s ~os\:a !o ycur ,~c:::unt We '.vlU assess P~rtcc:c ,=:r.ance
:...~ai;:S ~ ;,:nows:
'4 \ :~;~:~t:mir.g ~~!":::a
:.:~~
:~;,:c:c ,~:lanc~ ':;::n;=s us imcosad ~cr :":e ::Jrrem ::Iilir.g :er:vc cn
::.:r:;::~s~. '::15;'; ac/ar'iCZS .ana :a1ance Thisfa!s :~mess '/CU:aiO. :'1 ::ie
:~';~a"t I....,~ "'ara -::II .Iie'll ~~janc'2 (.O;..o"m ~n"c'!r "'~v,aus "rilinQ s~~::..
,~-~~~"':N~~:":;O~.!~I;~::~C~" ::i:;~;' i:'~:irg;f :;c;';av :yw.-;:u;:;:;~~g
~:c:;r ::liiy :aJ.:.nc~s :t Jl1n:::ases. ::..sh aavai1c::~ and Ja1ar.c~ :rarlsters
:",' :~:: ~::t:::C:::le ~aJiy ?~;,ccjc ~a::s. Cr:I~1 s:e!:::i i3ta :~lar.e:; ::-;:ns-
.;:.:~r: :r:;::L:~ac in ::~ S::ijj'l:alai1C2 at ::alar.c~ :~i';~7ei3: :ur:::asa ,~::
:~:c::;;; :'~":~:;r3~re :r;c::.1;:=: .:i :,":2 :~j;l ::;1a.:-::~ ':f :urc.;:~s~s. .:'.t :-:e
::-;: :: ~e :llhl1~ :er:co. ',:'e ~ac '~C ~e reSUliS ~: :::as~ ?aliY ~:l!c:.::anC!iS
:: :=~::'7:":;r1e 'lour :::,:r:c::::c ,~:!iaiiC:; I...:-:ar.;es :;:i :::e ::ilmg ,:er.c:.
~::" :::r::'"~. ~:!:ilv :a!at:~ !S w:c:.;!a!::c ';:-: ~c~ ,'1:;f "::l ~i:\ ::'CC;riG:-:a
~:~~~:~~1~~:r~~1~~J!~~J~f~~~~~~:~~1;:~~~~~
.:..-:: :.,' :::~ ~:'::Y.:J..-:r;g ~71 ::aClts ,1"":l:l C?f:IrT:e::r::i :oar. ::ra a::::~ !qamsr
~.: :~-;c.; -~r ,:u~~ s-;c :urt::~e ~ra ::llCli:C3 :-cl1s7crs:;-: :::a! .:~,
.:; ::: 1~ ':zv cr-=:a ::lllnq ;:e!":c~ ",','e ~SQ ace :: ::a :aJanc~ :::5a :a:ar.c~
~~-:Sic~ ~at :e!::~e :l.lr;;-:ase rate :aJanc2 1a.~Si.:rs :n u'ia! :~!.
:,::- ::;'S;"i 1c','anczs. :.~a ;:aJi'l ':alanc:; :s ,;;:lc:.;!a:ac.::::n -:3.c;-:~alJ ':'/ ~lrs~
:'~~;"'q '-'02 ;"Jjc'vmq "J "'o:"re1/lc:Js ,....v~ "~:;v "1arr.e~' ~~~.. ~t'I,,:,1"Ic~s
:..::~~.~ _:....~'..:: ;.__.._..\..._~...::~ ~""." ~al'''~~'':~:'~: ~~ :" .::--~~ _:141,....
"......" ."a~ ..<J./, '~.~I.......n,...., .""u;C.. ....,<lr..~~ ,:.,.r....sol <.l.\,o/(UiC,::S mllae
::-:~~ ;3,'1, liiC ,;~;,:c:ic ,:::l~-:c~ :~,ai~as :~a-iG:!1 ,~i'l :.~:: :r:'.'!o1.:S -:aY5
:::Ii,/ balance: .ma :'.' :ne:13ui:m~c:tng :in:, ,:~~,::j:3 :.iid :Ja:I['j'~::~~3 ::':at are
~CCi:e~ agaInst :~: ~ajar.C3IJt C:iS,' ac'/ances ::i :r:2t '~3.yo
~':r :aJar:ce :!'Jf,;s::r3, ~~e daiiy balance is c:!:c:.::a~=~ ~n :ac~ ,::.~I :',1 ~rs~
~dG;r:g ::'ie:cllc'.'IH'!9:0 :~!! ?!e'/ious...:ay's ~:!jl'/ :a!~r:ce: j;::ja~ce, :.:r:ste~s
:-:-:ac: ~nat cay lrld :"~r.ccrc :-~na['jee L.~ai~aS :::.::-;:~ en ::i: :::'.')C:':5 ~ay $
~aiiy~aJanca: ana :'! ~an 3ubtrac::ng an:: ::::-::~ !iia :a'/~e:.:3 :.-:at ara
acc:laa J.G3.irlSl ~";a :a!ar.ce .Jr balance :rar:s~a:-! :ii :'iar :a'/" :~ :''':: tirsr
:a"/ oJ! ~'1e '::.:r.~m:iilir:q =enca we JISO 3i1::~":: :~':m :~e ":aJat:; u1csa
:a!ar:ce l~'stars ~ia! :~:me ourc~ase :-a::; :2!a.r:~ Tdistar3 S:1 :-:ar day.
t,i .:~a'!Icus ailling ?~Moa
,::~r:oclc :~nancz G~ar~es are imposed fer :~; ::~':icus :m;i:g ~:r:cd on
:ra1/icus biiling ~ar.ca :urc~asas. c:::tsi: 2.C/:.iJ"';C::S ine :a!ai::~ :~nstars
Uliless ?~r.ca:c ,:;nanca ':~arges were !Iraaq :mccsaQ ;cr :.":a~ :i!ling
~=r':c. =r','cu :alo 'U':e ;"lew 8alanca snO'loJn:n ','Ct;i Jre'/ious ::mit:g :itate.
.T.~:-:t :'1 t!~a ?1'fr:iem Cue Date. To c:mcu:e ~-:~sa ::-:aq:s. ','Ie '~sa t!,e
~ame met.r:ca cr::Jc:':latcn u,at '.'Ie usa :n ~c:':latlr.g :i:e ?::.:cic Ft-
;ianca C~ar~es :or :'~e c:.:ri:ot biiling :ertcc. :s ~e$t:::cac aCO'I~. ~xeect
:.~ar ::-:e lCOljw~lli~ 'JaJi'l ?~ncaie ,~atas af: !::::ec :0 'Jairl :2a:~C~S at
::urc::ases.' '::iSii :cvancas ana balane:; tra.n~a!'$ ::r ::!C~ ;.2/.:;:r:e ore.
:,leus ::iling Genco. ~'esa daily ba1ances at: alSO ,:::mcu!::'j is ,::scnbed
acc'~e. 'NIL' .?ie ".:I'E':ICUS day.'s ::aJiy ~aJar:e:; ',::nsidarea :0 :;:ne ceen
;:er~ cn :ne ~rs~ day :r :'':e ~lllmg :encc.
i31 ::aJiy ?erioaic Ratas ana .i.nnuai Perc~maga ?a!:s
";";"';e Gadv ?~;,caic ,~aras aociiw.cle :0 :mr:::lS.:s ~-;c WSi: ~=.'al-:C~S for
~ha -:::riem ::i1inq ;er.ca 1110 t1e prevIous :iilll'lg :erica are casad en t1e
,~:-:~:..:ai ?~r::~!1r:4a .~at= :n ~ffac ~cr ~!c;-: :lii;j'jG ~er.c1 !S ::::milned
:~~a',V. -r.a Cali'! ~~!'1ca:c ,~ates tor ~aC:1 :;iiii';g ::r.ca 2!': ; /2~=:t at the
,':'f1ilUal ?erc;mag~ :=,at:s;n arfec~ ;or ::1a :ii!!nq ,:encc. ~i.e ,~-:;;:;a1 P~r.
;zr.uGc 2ate :iJr ,:u~:-:ases :nay :e :::-:a:::;::,: :~~d :n ':::~-:;:;.: 'n t:~e
,-:;.:a :~'1e! far '.vOle:: :'cu :':JaJi:fy, as ax:::air':ec :::':'H.
-:~= ,~ilr::';al ,:;~~~n:aG= ,;atEs are aa!=r:i::r::~ -;: :ar: :y :.-:a ~~;-;:a :~a!e.
-~~r~;~~~~; ~ ;~S ~'~~~~~~~.. :~~~i;~~~;~~~~i ~~~~~~~~~t~~;rL~;ii
~;~~~~~;.~.;~~ ~~~,l~~~~~~~i~~~~/,~~:~~ :,~r~l ~':~~~~ ~l~:~~~~ ~~~:
~l1t ::;/ :r tt1e ~~i: ::iliiig ~Jenca..::m:c~ ::.;:::: .0 :r:a '~=r.~ :ncntn
~~V:~, ~~~~:~~~~{;;:~;G~:E~;c~~;;~l:::~~~~~~~~;}:r.i~~
r:q :nce."{ a~a ~cas ::0: ~:c:;sem :0: ~cwes: :: ::~: ::it:r:~~ ::.:: '!laiiac\a
:': ~:,=r;'"~'.'ier !! 1"r.l ::;r.:C:Har :ar.:< at 'L-;~,';:':::; ::iii:.
-, .':'iii::.:ai ?-;r:::n:a,~: ::'a~: ::r F'~r:;-:a3~S
~,~:~~~'~;~~:e~~J.~::~ ~?~~;~~~~~~1~~~~~'~.~;~~:~~;i~:~~'xa;Jl~
::c:-: :: ::-::s ::iT.e :anc:. :ne ,.l.nr.U2.1 ,:~r:e::~;: ~:::; ':::r :"~f::;iisas
mil :a !S :SSC:::C:1 J:lOW,
;~~:~~~~~ '~~~~~ ,~:{~Z~~~~:~:~:~~\;~~;.:~ ~;~-:~~~~~'~l:::~~':;'~~c:~~~
:t:~litl '$ :asec ':n :::a ::ral amcunt :f ::;:.:~.:s:s :~ar .:C:! '7::;:{; c::.:r.ng
3.:: ~l-:~U:;i :ar;C:1. lS ~~::~ameo tela'.,," ,:'~:-::::ue5 ':jftC~:::";,,,::csa :iilS
~-:~'<.l1l ~:~l ~ie::j,ieCj7;es ~2!erieC :0 !S ,:~.;;:r:2'~ ::JrC~13::S. .Na ma:<e
:a:::l;n l:::::::r::;.!: ::,,::!.;s:mems :a ::;:ljl~2~ :ur-::-:ases .,",; '~~:ec: 'Ji
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Account ac:ivit'l (~.g.. a c:a1it issued ter i returr:ed purchase). You will
cualif'J for. u'1e Stancaro Rata IT :otaJ ,<uaJirled pult~ases are lesa than
S5CO.CO. the Berter ~~a!i!;i total,:ua1ifiec :un:hases are ssoo.aa or mare
but lass than Sl OOO.CO. and tha 3as: Rata Ii tetal qualified purehasas are
S10aO.OO or more.
. You 'Niil,qualify for and reai'le the 2es~ Rare untl your first Anniversary
Data. .sucjec: to disquaHfictJon. We :-e!!::o !l~e dare that is the lasrday
of tlia ~Heifth billing cericd aiter ycur ~J:::cum 'lias opened; and each,
., annl.:at anmversarf of u~t ~at.e. as 'fcur Ar.nivers.ar! Date. On each Anni.
'1ersarl Date. we wiiJ c~ermme :~aur .7'.e i~/el basad on total quaJi~ed
pure~.ases for:.'1e preeeolng 12 ~Iiling ;erioos. The rate level 'IIlil apply
to pur.:hasas (ine:uding t:1a oUlStlncing PUr.:llaSa ~ancel beginning on
the ,~ext jay, suejee: :0 oiscuaJif:c::t:en. 'feu 'Nlil not be eligible for the
Berter Rate ()r the 3es: R.!te IT en 'Icur :~.r.~rJer!.:itl Date 'leu have failed
to make the ,l11inimum r..ymenr C:.;e :y ~e ?ZJmern Due Date ter two
ccnset~'ti'{e biiling oericas. . '_ '
if at any time you tali to make the Minimum Payment Due by tne p'lyment
Due Date lor two eC=.1ive blUing ~er.c<lS. you 'Nul be dlscualiffed from
'~e 3ett!r Rate CJ:;n~ 3~ Rote me '~e 'Nlil c:-.ar.qeycur;ate !ml to the
~tanoaro. Rate. I ne otanoard P.a:e 'NIII aop.!'! to pun::lases (incl.y~ing the
CUlStlMlng purcnase ~c:l) from me ~m ~"Y at the seccna billing
penCO in 'N!1H:., you [allea to maxe tl1e Minimum ?ayment'Due by tne
Payment Due.p~ umil your :1ext.~nr'ersar! Oata.;:_. _..
If your ~J::::untls e:cs..~. the r.ce :ave: I~ is. :te Stanaard Rate. the
8~f~r Rate o~ 'tle Best ::U-l!l in etfCC': ~n ttie 1.na '1cur Accoum is closed
'NIII aociylJrm: your ..\c::::unt Is ::a1C in [U1I. suelee: ~o aisouaJilic:ltion as
set ~~~ .iC~ve.. :~. ,_ . . _: . ',~
TheStandard Rate is an.l.~NUAJ.. ?SC2ITAGE'PAiE of (a) i 9.8%: 'Nhen
the ?Mme Rate is lO'Her1'4n 10.9=:'~.:.r.c (b) Prime Fa!~ ~!US 3.9 cerc:~nt4
;g~ :cii'.!Z. '~.:r::;:e ,=~rne Ra:e ~s ~03'7'~ or ;nora. :ne 8e'!!er Rate is an
",~IIUAL ?E.'1WITAGE ~iE:f P~me ii.na :Ius 10.9 cercamage points.
Olf!)l~/er ~~~e~!!!9 ~~ ?tan~tJ ~~ The ~est Rare is an ANNUAL
P'::,.C.:NT.-G=?J..1 c -:r ~me :-,a~::us3..~ ce~:-:;:c~ ::cir.:s. The 3et~
te:ano cest Rates have a minimur.1,;t ~2..9~~. ~a ua:iy P~rilX1ic'Rates
li'lC ::rras~o~Clr.g iom:u:iJ ?~!t~;,:z~= ~ares :n ;ttc~ on tile date this
.~G;"~E;r:er:t:s it.:rr:iSi:~C ~J 'IOU .1n ~;: ;:~ in ::~ ~r.c:csao "Adcfiticnai
J:sc:cs:Jre': or wr;: ~"'i:;r.'
(5j :~J1r1t;aJ ?er::;;rr:a~~ R~ ;':r Cash .':'c,'ao"':C.';$
The A,NNUAL P:~C~NTAGE ?.AT: :~r """:(';: aa'~,,;cas:5 (a'119.3%: when
the P:-:me Rate is :awer:4n 'iO.9:',. ~";Q ~:) ;:l:1r.1e ~ta ~IUS 3.9 Derc~nt-
aGe :cin::. 'HTler: :'"1e ,='"::7:e :::.3.:e :s : GS~) .Jr :r:cr; T:'1e Gaitv P~ricc:c
,:::.ar; .:.-:c '~riasccfic:ng :~llnUal P<!~~c= ~~!= in ertec: an u'le date mis
~greeme~~ ~s fumisi:ea ~o you ara s.::: 7:i-:1 :n ~e ~ne:osea ").Cditicr41
Disc:csure~ or wrc ::U:;~r. .
(5) Annual ?~rcamag2 ~a!a tor Saiar.ca ~:'a!isters
T;ie ':~i~1 ?~r.ccic :::,a:: lI'lC :~rr;s:or.c:ng ).J-:i1ual Perc:mtage Rate [n
etfec 7cr saeC::i: :"aU ca:.aI1C2 :'~'jS;::r! ':"1ii :a sa: 7~n., :n ~a cr.er 7rcm
us Jncer WnlC:1 yeu ;;jaKe j':e :a.iai:c.a :~nstar. As ;ndicated in the
aal~~ea Trans;el"S Scc~on aoave. :u~asa !'!!! :aiance tr..nsiers wilf be
~UClec::O tne ~a!~' ?~r.ccic Ra!a liiO c::msocna:ng ).JinuaJ P~rt~ntlge
,1a!3 :;-;<i~ 1~C1Y ::0 ;l:t.:::.lSa::i.f ....tJu tecelve~ ~n otter ~nor to your
~~!ot :lr thIS Aqre~!T.errr. ~e ~aii'l J<!;,c-c:c ;~a~es mo Anr.uaJ P<;rc~nt-
.lqe ~ates in etfec::n ~e ~a!= :tis ;'q~mer.t :s :urmsr:ea :0 YOU are sat
;cr...i ,n !he :r:c:cs~ .,~cc:ticna1 ::sc::si.ira' ~r ::lra CJmer. .
TRANSACTION FEE FiNANCE CHARGeS. We 'HIli ehar,;a you a iransaction
Fee rinanc~ Ghan;e at ~.::'~ .;t ~'":e amount oT eJc:, new WS;1 aO'/ance. rr.er~
is J minimum Trar.sa':::cn r~e ~mANCE CHARGE of S2.'JO and :10 ma;(imum
Transacticn Fee FiNA~JC2 CHARGE. rne imposition ot Tr~saction ree Fi-
nance C~arges may result :n ail Annual Percentage Rate ter casn advan~s
that is hiqner than~iia ;:c~:naj ~Jinual Percentage Rate. All forms ef c:1Sh
ad'lances, inc:uaing :he ~se of Oisc:::wer Card ehecXs. reqaltless at the pur-
~ose for which used. ara subiec: :0 Transaction Fee F:nanca Charges. To
obtain u1e total :=ir.anca C~arge ::n c:Jsn advances for 2C:1 aiiling penod. we
ad_d any Transac::cn ~~e ~niil~ce Charges ior the biilinQ ?enc~ charged under
tnls setticn to any ?e!1caic .:;na!lca C~arges ca1c:;la~~ :.:ncar :he Perioaic
F:nanca C~arges seeton ace...e.
:!IINIMU~. PE:lIOq,I.C, ~!~::-.~C~ ~HARGE. ,W~ 'HiiI charqe ycu a minil)!um
,"er.oClC :--~NANCE '.,-;.<"\'..::: ~r ::,:Q rer ~l1'! r:llhng ~e::ca:o Hmc;: 30m2 "~fl-
ooic FiNANCE CHARGE 'Jt ~ass ~'an 5.:0 'Nould ottierHLSe ce imposea.
REnJRNED GHEX i'E:. 'lIa wiil e~an;e you a Remr;;e:! C~eck ~e ct S15.CO
eac.1 time you pay 'lS 'Nith a ehec~ u'1a[ is returned uncaid. This fee '!Iii! also
aoply IT a aetiit transoe::on to a deposit account from 'Hilie., ycu have autho-
nzee us in writing tc :enocicaJiy oeduct all cr a part ct an amcuntycu ewe us
under :his Agreement :s returned unpaid.
LATE FE. We wiil ':nan;e ycu a ute Fe2 of S20.00 ~ '/cu fail to maXe a
reouirea payment within 20 oays arter me Payment Due Date ;n arr! monm.
RE3EAAC:; FEE. N~ ,i'.~y ::~r;ayou a Resaartn ~ at SS,CO fareacn copy
,Jf a billing statemem or Sales s:io mat you retluest HO'Never, we wii! not
chaTl;e a tae if you tacuest :ocies in c~r.nec:on with a :1Hir.g ~!T:r.
OVE.=1LlMIT FEE. 'Ne wlii ';~:!~e IOu an Over.imrt Fe: at S15.00 far aac~
biiling pericd in 'Nn!c~ you :XC~e'J your creait limit This fee ';jt:i;f be charged
sven IT tne transac:ci1 '4f'l~::: c:t:zzs .,teL: :0 :.,<c..oea ':,aur ::ecrt limit :s a~rtt1o~
rj~~:y 'lS :~ ,f je:.:. :;::;;e~ yc:.;r :~~::it iir.ilt Jua \0 'Xe :as:r.g ,:f tfnanc~
cnaryes or fees :0 your ,.;c::~ur.t.
DEF~ULHOLL:C':10N CaSiS. 'fou are in qeiautt'fycu oeccmeinsol'lel1t. 'f
J'r;u r:le :1 :ar::<:--Jc:=.,' :2:::;; ::; :::.ve "::1S rllea ag:iil~sr: "fcu. ,~r ;i you :all :.:J
c:mcty with :::e t::~s J! :r::s ~,~:;ement. :nc:uding faliir.q :0 f7Ta~e a !'SO'..::rea
~ayment wnen c:..:a :r :xcaec:::q your cr::crt !imtt. jf ~rcu,;,.-a ~n t::arauit aml we
,-afar ~e ,::::ec::c:-: '~i /Gu:- -~,c:::..:r.t :'~ an ,lrtamav, we :':"'a'! c:':arga you fa::.-
scnacte lncrr.evs' 72;$ a.t:c ;::1l'i ~r ctr.er :ollection :::sw ~ :Jerr:itt~ ~;,
laW:.rid as ac:-.:illy :~c:;rr=~ :'/ '':5. -
C~HCE..L~TiON. '/:~ 7!:!'l c::u~ca! your .~c::::;unt b'l :':otifying us:n writing or
jy rs!eoncne ~r.a t:~:';it:mG :r '=estro'ling every CQrc ana I.lnUSea c~ec.'( mat
'.lie :".a"Je -Jrc';p:::!:;1JU. ':-f:::':~2. 'IOU "'Ill! sull :e :cscons;ole to pay anv
amounr 'Iou ewe '1$ ~c:::rc!r.g to :~e terms of :his ,~greement. If you'r
.J.c::::um is a ;Q1m )..c.::t.:rtt :U:1 ct 'foU ~ay c:li-:~j your ,~,~~nt We may
';:"'1~ ~r :;us:e~c. ',:cur ;:;~::J~~ Z~ an'I Jme W!t1cut :1cnca. Ne may alSO
:ec::lr: :~e ~nure ~alariCa ';r /cur Ac:oum immeaja~eiy .1ue and payacie
'rVlt~cur ,-:atca: :f ':C~ are ~n c:tu,!lt :r 'Ne nave.1 ~<ASi::naCI~ ae!ief that 'IOU are
~.:nac!e cr 'ji.'Ntilir.q :: ~~~:rl :/cur :cligations to us. j :'ou are inSOlvent. ifycu
~::e:i :anKrc.:crc:: :e~:::cr: ,:r ~a~'e cr.: Tiiea ~gajnst:/QU ~r:f yeu aie. We may
~~aase nor :c ;enew :/cur ,~.c::::ur.t C:e'lcr.o w~a eX:lntICn cate snown on u'ie
fa~ at J Caro) without ~CtiC3_
?RI'I.\CY. We :;;ay :fi';es:~a:= four :~djt. ~mOlcymenr:no income rec::rcs
~na '/ent'; your :;~cjt ~=!=!':r.c:~s_ We lIS0 may r:Don to craait re!JorUng aqen-
::es aM 'Jt~er :r=~jtcrs ::-:e status 1r:a :avmem ~i5:i:;-1 Jr '{our Acc:Junt :n-
'::ucing ne,;a!i'le :rec:t ]ij7C~ailOn, We nOrmally r~con:':o sue;' craoit r:cort~
'ng !qer.c:es :JC;1-:-;cnrti. 'Ne 'Hlil ~Ct ~e!e3Se J1isnicrrr;ation aoout yot:r
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,.1.c:ount to an} emu par:'f '.vlt~ClJt 'lour Jr;Cr,l,i:i:'::n oer:7tiSSiCr.. :: :e~~l oro.'
c~ss. However, it you are in cetault. YOll "1c:a:: :tie tems ot tJ"as A~i=;m2nt
or you file a bankruptcy petition or have ane filed against yOU. we may release
- iniof'l11ation about your Account to third oar~es who may assist!;s in enforc'
ing'our rights under this Agraement. We may also include your name and
address and other idemrtying infannation on iis:s of Cardmemoers furnished
to companies se!ling produc:s or services ttlal may be oi interesl to ycu. Our
suoernsory personnel may listen to or r;c.:r1 te!ecncne. c:tlls bet'Neen ycu
and cur representatives in order !O evaluate "~e quaJitj of our serllce to our
Cardmember.; without notice to you.We (nay 'JSe aUlOmat=O te!echcne ~uip-
menl or prerecorded telephone caJls to ccn;;ac: you. aee'il ycur.Acwunt
CREDIT AlITliORfZ.l.nOHS. Cer~n purc.'.asas and cash ad'ror.ces 'Ifill re-
quire our autlloriZ:ltion priorto comoletion ct tl1e trol1ssc:ion.-ln some cases,
you may be asked to previde idemmC:lticn. If :ur autllert:ation system is not
woridng, 'He may not be aIlle to autllorizfl a tr.nsac:ion. 'He 'NtiJ aat be liab!e
to you it any ai tl1ese events happen.
CHAllGE OF !EMS. WI! may change any term Of part. at this Agreement,
including any finance cha~e rate, lee or metJ10d at computing any baianca
up an which the fiaanca cna~e rate Is a:::e::::ed;'by :l!nding yan a written
natica alJeasl 30 days cefare the change i~ fa ~ecome eHective.. We may
lepfy any such 'nange ta ttIa autstanding, Jalanca af yaur Ac:uunt an ttIe
erfa,:jve da:e ,/ file :.~ao1ge ond :" new :::3"les.1J1ade all.!r L~3t data.. If you
:a net agree la L~e ctIange, you must :!ntify lIS in mng 'IIit!Iin 30 d3y$
mer !lie mailing ai the nalles at change :n :''Ie addres:: ~ravfded 111 ttIe
aatici! af change, in wtIicll '3$1 "four ~unl will i:Ii' =ll$ed and 'fIlu must
pay 11$ tile ~atance that you awe us under tlte exiS'Jng terms ai ilIe un.
changed Agreemeat: OtlIelWISll. )'llu wi!! ~ agreed la tlta Changes in L~e
antice. Use ot lour ~unt aiter ttIe erfec:iYe Date at the Clange will ~e
deemed acceptance at the new tenns as of :lIch effective date, mn if you
pmiallSfy nntified us tIIat yau did het, agree fa th~ :.'cange. . '
C:WlGE OF AOORESS. if 'fou :.'1ange your idereSs 'ic'iJ muSt natr.'j us oi
your new addresS'llithin 15 cays.',. . - '. .u" . :
.\SSIGNMElT OF ACCOUNT. We may sell. ;s:;lgn ortransteryour ftJ:C::unt or
UN oorticn mer:dwTtto11t ;jC~:C '/CU. 'feu ma-I nct~l. ~i~n ortr~er
r'Our Ac:;::unt withaut:irs:: ottaimr.iour _Mcr,'Hlitt2rfi:cnsent. '
GOVE.'lNIHG UW, This Agreement ':fi!l Se'llmrned by cie Jaws at the
Slate af Oeiaware and apali<::lcie federal taws. . if OIrj :art =i :his Agree-
mem: :ec:mes t:r.ento~i:re. :t will nor ma.~~.?!'if otr~r oarfunemc~cle.
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Si':er.'Nocd Trust Curr:Car.'I
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DlsceVER
PLATINUM
payment due dete
August 30, 2001
minimum payment due
$1 ,827.00
I,,, III" ,11I.",1.1,,1.1,,1,,1 "11""111,,,11,,, II
T000514
ANDREW MADEIRA
ANN MADEIRA
4526 WARRINGTON AVE
MECHANICS BURG PA 17055-4317
new balance
$0.00
account number 6011 00363100 2829
enter amount enclosed below
$1
aye up to 30% on Pharmacy and other hea
related expenses with PIanPlus from Health Bene
rvlces, Inc. Call1-800-527-n83 to enrol h you
-da FREE /rial membersh . Reterto 0195E
PO BOX 15251 11I...11..."11,,,,11,11,,1
WILMINGTON DE 19886-5251
1...111.1,.1"1.1,,1,,11.,,1,1.,,1.1.1.1,...11,1.1,,, .11I,1" I
Addr..... or telephone change? Please print changB In the spacs above.
000006011003631002829000000000000000162700
~
Discover Platinum Card Account Summary
_untnumber
paymentd/HI date
minimum payment d/HI
CffIdlt limit
CffIdff avai/a""
caah QffIdlt limit
caah QffIdlt IIVIIila""
8011 003831002829
Auguat 30, 2001
$1,627.00
$10,000
$0
$.,000.00
$0.00
Closing Dale: August 31, 2001
page 1 011
Cashback BonusCB>Award
QualIfied Putoh_
Ouhbade Bonua award.1II7I<<I
Ouhbaok Bonue ann1veturydaffl;
IhIsperlod
$0.00
$0.00
July 23
10 dele
$0.00
$0.00
prevloua balance
paymenta and CIWId/ta
putoh_
OIIIIh advan_
balance "."".,.,.
FINANCE CHARGES
n_bai_
$10,050.88
10,050.88
+ 0.00
+ 0.00
+ 0.00
+ 0.00
= $0.00
Transactions
trans. post
dale date
Payments and Credlte
Aug31 Aug31 INTERNALOHARGE.OFF
$.10,050.88
a
8
!!:
...
'tI
r
Si
'"
TnlnsacIfon
Aversg. ~ ANNUAL Periodic FH
Daily PERCENTAGE FINANCE FINANCE Rate
BaianCH Rstes RATES CHARGES CHARGES Plan
current billing pM/ad; B days
PUtohuH $0 0.06299"4. 22.99% $0 none IIxtld
Ouh AdvanCH $0 0.06299"4. 22.99% $0 $0 IIxtld
Questions? Call1-800.DISCOVER (1-800-347.2683) or log on to DlsCOVlIn:ard.com. FormD (Telecomrrunlcatlon Device tor
1IIe Deaf) assistance, see raverse side. Send blllhg error nollce 10: Discover Plathum; P.O. Box 15192; Wilmington, DE 19850-5192.
EXHIBIT "B"
. It ~ .
ATTORNEY:
ACCOUNT NUMBER:
BALANCE:
CARDMEMBER (S):
STOCK
6011003631002829
$10050.88
ANDREW C MADEIRA
ANN MADEIRA
STATE OF OHIO
COUNTY OF FRANKLIN
K. Ray, personally appeared before me, this day and after being duly sworn, according to law,
upon his/her oath and says:
THIS person is a Legal Placement Account Manager for DISCOVER FINANCIAL SERVICES
INC., the servicing agent of DISCOVER BANK, an FDIC insured Delaware State Bank.
mAT, in their capacity as Legal Placement Account Manager, Affiant has control over and
access to records regarding the account of this debtor; further, that the Affiant has personally
inspected said account and statements regarding the balance due on said account. These Records
are kept in the normal course of business.
mAT the undersigned Affiant being duly sworn deposes and says that the policies and
procedures of DISCOVER BANK and it's sexyicing agent, DISCOVER FINANCIAL
SERVICES, INC. are in accer:dance with applicable federal and state consumer and credit laws.
mAT the annexed statement.ofaccount, in favor of-DISCOVER BANK, is a true and correct
statement and there is now due and owing to DISCOVER BANK, exhibit A is a copy of the terms
of the account which we forWarded with the charge card to the Card member(s).
mAT to the best ofthe Affiant's'knowledge and belief the defendant is employed in civilian life
and by reason thereof is not engaged in the military service of the United States and is a resident
of the State and of the County in which this action has been filed.
mAT this affidavit is made on the basis of the Affiant's personal knowledge and in support of
Plaintiffs suit on account against said Debtor.
Sworn and Subscribed before me,
This day of Monday, September 10, 2001.
(fuXYl'rnh~~!P &00
o ARY
EXHIBIT "e"
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8
SHERIFF'S RETURN - REGULAR
tASE NO: 2002-01729 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
DISCOVER BANK
VS
MADEIRA ANDREW C ET AL
CPL. MICHAEL BARRICK
, Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
was served upon
MADEIRA ANDREW C
the
DEFENDANT
, at 1127:00 HOURS, on the 15th day of April
, 2002
at 583 MILLER BLVD
MECHANICSBURG, PA 17055
by handing to
ANN MADEIRA, WIFE
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
18.00
5.52
.00
10.00
.00
33.52
r-~~A
R. Thomas Kl ine ~
04/16/2002
EDWARD STOCK
Sworn and Subscribed to before By:
me this JfrE:
day of
()~ 2oo:u
Q~.. Q 'h.,'I,
P othonotary
A.D.
)~
,
SHERIFF'S RETURN - REGULAR
.
~ASE NO: 2002-01729 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
DISCOVER BANK
VS
MADEIRA ANDREW C ET AL
CPL. MICHAEL BARRICK
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
was served upon
MADEIRA ANN
the
DEFENDANT
, at 1127:00 HOURS, on the 15th day of April
at 583 MILLER BLVD
, 2002
MECHANICSBURG, PA 17055
by handing to
ANN MADEIRA
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
6.00
.00
.00
10.00
.00
16.00
~~rl'<~
R. Thomas Kline
04/16/2002
EDWARD STOCK
Sworn and Subscribed to before By:
me this life-
day of
~ c/lbv.;., A.D.
C)~IJ2 A/~~ .I ~/
rothonotary ,
STOCK & GRIMES, LLP
BY: Edward Stock, Esquire
I.D. #13657
804 West Avenue
Jenkintown, PA 19046
(215) 576-1900
DISCOVER BANK, ISSUER OF
DISCOVER CARD BY ITS AGENT
DISCOVER FINANCIAL SERVICES,
INC.
P.O. Box 6011
Dover, DE 19903-6011
plaintiff
vs.
ANDREW C. MADEIRA and
ANN MADEIRA
4526 Warrington Avenue
Mechanicsburg, PA 17055
Defendant(s)
Attorney for Plaintiff
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
CIVIL ACTION-LAW
NO. 2002 - 0172 9
PRAECIPE TO DISCONTINUE
TO THE PROTHONOTARY:
Kindly mark the above captioned cas~ftiB.QQJltinued.
---....
DATE: -1//~~
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