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07-0847
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. 655 PAPER MILL ROAD DE5-013-02-02 WILMINGTON DE 19884 Plaintiff vs BRUCE ENSOR 1024 TEAKWOOD LN ENOLA PA 17025-2046 Defendant(s) Date: : No. p'j - N7 &J,t CIVIL ACTION - LAW Filed on behalf of: Plaintiff, FIA CARD SERVICES, N.A. Counsel of record for this party: Amy F. Doyle ##87 62 / Daniel F -Wolfson 7 Philip C. Warho c #863 Davi R. Gallowavia 6 Tonilyn M. Chi pie #878 arch E. Ehasz #86469 Robert N. Polas, Jr. #201259 / Bruce H. Cherkis #18837 Ronald S. Canter #94000 / Ronald M. Abramson #94266 Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff W&A File No. 122943374 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. Plaintiff vs BRUCE ENSOR Defendant(s) NOTICE No. : CIVIL ACTION - LAW 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 or any other claim or relief requested by the Plaintiff. You may lose money or property rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 CCP Notice to Defend W&A File No. 122943374 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. Plaintiff vs BRUCE ENSOR Defendant(s) NOTICIA No. CIVIL ACTION - LAW USTED HA SIDO DEMANDADO/A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes paginas, usted tienen que tomar acci6n dentro veinte (20) dias despues que esta Demanda y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defensas o objeciones a las demandas puestas en esta contra usted. Usted es advertido que si falla de hacerlo el caso puede proceder sin usted y un juzgamiento puede ser entrado conta usted por la Corte sin mas aviso por cualquier dinero reclamado en la Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. Usted puede perder dinero o propiedad o otros derechos importante para usted. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED NO TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS. QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 CCP Notice to Defend W&A File No. 122943374 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. Plaintiff vs BRUCE ENSOR Defendant(s) COMPLAINT : No. 0 7- Pill C i . i : CIVIL ACTION - LAW AND NOW, this 08 day of February, 2007, comes the Plaintiff, MBNA America Bank, N.A., by and through its attorneys, the law firm of Wolpoff & Abramson, L.L.P., and files the within Complaint and in support avers as follows: 1. Plaintiff is FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. , located at 655 PAPER MILL ROAD DE5-013-02-02, WILMINGTON, DE 19884. 2. Defendant, BRUCE ENSOR, is an adult individual with a last known address of 1024 TEAKWOOD LN, ENOLA, CUMBERLAND COUNTY, PA 17025-2046. 3. It is averred that Defendant was issued an open-end credit card account by Plaintiff. This account was created through a written contract between Plaintiff and Defendant, accepted by Defendant when he signed and utilized the credit card account. A true and correct copy of the Credit Card Agreement governing this account is attached hereto as Exhibit "A." 4. The Credit Card Agreement contains a binding Arbitration provision providing that any claim or dispute between Defendant and Plaintiff would be subject to binding arbitration before the National Arbitration Forum (NAF). This Credit Card Agreement also recites that since the agreement CCP Cmplt - MBNA wo Int 4 W & A File No. 122943374 involved an instrumentality of interstate commerce, that the Federal Arbitration Act, 9 U.S.C. §§1-16 (FAA) governed the Agreement and that following disposition through the NAF, judgment may be entered in any state court having jurisdiction. 5. At all relevant times material hereto, Defendant has been regular user of said charge card for the purchase of products, goods and/or for obtaining services and/or funds. 6. By virtue of Defendant's use and maintenance of this credit card in connection with his purchases of goods, and services, he became bound to all of its contractual terms, which clearly included an arbitration agreement. Therefore, there is a valid agreement to arbitrate and Defendant consented to the NAF having jurisdiction over this claim. 7. Defendant did not object to the above-mentioned statements submitted by Plaintiff and/or its assignors to Defendant. True and correct copies of the montly statement are attached herein as Exhibit "B" and incorporated by reference as if set forth in full below. 8. Defendant has made sporadic and irregular payments, if any, which have been applied to the outstanding balance of this account. 9. As of the date of the within Complaint, the remaining balance due, owing and unpaid on Defendant's credit account, as a result of charges made by said Defendant and/or any authorized users is the sum of $3,852.05. 10. Plaintiff has retained the services of the law firm of Wolpoff & Abramson, L.L.P. in the collection of the amount due from Defendant. 11. As of the filing of this Complaint, Plaintiff has incurred reasonable attorney's fees from the law office of Wolpoff & Abramson, L.L.P. in the collection of the collection of the amounts due from Defendant incident to the within action, the Plaintiff shall continue to incur such attorney's fees throughout the conclusion of the proceedings. 12. The amount of attorney's fees incurred in this matter is the sum of $577.80. CCP Cmplt - MBNA wo Int 5 W & A File No. 122943374 13. Despite reasonable and repeated demands for payment, Defendant has failed, refused and continues to refuse to pay all sums due and owing on the aforementioned account balance, all to the damage and detriment of the Plaintiff. 14. Any and all conditions precedent to the bringing of this action have been performed by Plaintiff. 15. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. CCP Cmplt - MBNA wo Int 6 W & A File No. 122943374 WHEREFORE, Plaintiff respectfully requests this Honorable Court enter judgment in favor of Plaintiff and against Defendant, in the amount of $3,852.05, reasonable attorney's fees in the amount of $577.80, plus costs of this action and any other relief as this Court deems proper and just. Respectfully submitted, Date: t)? CCP Cmplt - MBNA wo Int W & A File No. 122943374 Amy F. Doyle #871 Philip C. Warholic Tonilyn M. Chippit Robert N. Polas, Jr. ay #8 1259 / Bruce H. Cherkis #18837 Ronald S. Canter #94000 / Ronald M. Abramson #94266 Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff 7 VERIFICATION The undersigned hereby states that he/she is the attorney for the Plaintiff who is located outside of this jurisdiction and in order to file the within document in an expedient and timely manner, he/she is authorized to take this verification on behalf of said Plaintiff in the within action and verifies that the statements made in the foregoing Complaint are true and correct to the best of his/her knowledge, information, and belief, based upon information provided by the Plaintiff. The undersigned understands that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. Date: / C Amy F. Doyle #87P62 / Daniel F. Wolfson #20617 Philip C. Warholi #86 1 vid . Galloway # Tonilyn M. Chipp #87852 / Sarah E: "ten Robert N. Polas, Jr. #201259 / Bruce H. 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C f ~ f a :N } ? r4 T 1 i '.h .t. {i Exhibit "B" REGULAR STATEMENT REQUEST Eforms BatchID : 673185 Account Number : 5490354289070804 Department : TACS BRUCE ENSOR Please Return to Rep KERRY A PFEIFENRATH Requested 07/23/2004 08:34:43 STATEMENTS REQUESTED 2003 JUL AUG SEP OCT NOV DEC 2004 JAN FEB MAR APR MAY JUN STATEMENTS FOUND 2003 JUL AUG SEP OCT NOV DEC 2004 JAN FEB MAR APR MAY JUN STATEMENTS NOT FOUND 2003 2004 Rep Name: KERRY A PFEIFENRATH Extension: 31263 Authorized: N Cycle: 22 Open Date: 05/01/1996 Prev Cycle: 00 Cycle Change Date: Lost Stolen No: Lost Stolen Date: Conv No: 5487780129910798 Conv Date: 05/17/2003 Payment Hist: MMMMMMMMMM123 Last Statement Date: 06/25/2004 Last Years F/C: $438.66 Comment: kerry pfeifenroth ms1423 nl? 0-1 9, ? UZ-/ ACCOUNT NUMBER Working Assets 5487 7801 2991 0798 PAYMENT DUE DATE NEW BALANCE TOTAL 08/25/03 $4,320.30 TOTAL MMML*A PAYM NT DUE ONDLINT' ENCLOSED Makeckeck CARDHOLDER SINCE 1996 $100.00 papobk to: MBNA AMERICA 22 P.O. BOX 15019 9 WILMINGTON, DE 19886-5019 BRUCE EN50R 1024 TEAKWOOD LN ENOLA PA 17025-204624 S 0000000000000000000004383750004349030043203000010D000005490354289070804 S 00000000000000000000000000000000000000432030000100000005490354289070804 ACCOUNT NUMBER CREDIT LINE CASH OR CREDITAVAILABLE CYCLE CLOSING DATE PATYh1W DUEM PAYMENT' DUE DATE 5487 7801 2991 0798 $6,200 31 07-26-03 $100.00 08/25/03 POSTIN TRA REFERENCE ?T YRANSACTKW JULY 2003 STAT EMENT CHARGES CREDITS(CR) DA TE NUMBER PAYMENTS AND CREDITS 0711 0710 071103 MC PAYMENT - THANK YOU 100.00 CR TOTAL FOR BILLING CYCLE FROM 6/26/2003 THROUGH 7/26/2003 $.00 $100.00 CR IMPORTANT DON'T WORRY ABOUT ECONOMIC UNCERTAINTIES! HELP PROTECT YOUR ACCOUNT. ENROLL IN NEWS OPTIONAL CREDIT PROTECTION! CONTACT US: 1-800-840-9504 OR WWW.MBMPROTECT.COM. SUMMARY OFT NS TOTALAINIMMUM PAY Preyious -Payments + Cash + Purchases +PeriodloRate TransaotionF -New Balance ast Due Amount $0.00 Balance and Credits Advances &Adjustments ANCBCNAR6 INIANCECNAPiG Total urrent Payment $100.00 I $4,383.75 $100.00 $0.00 $0.00 $36.55 $0.00 $4.320.30 ota] Min Payment Due $100.00 FINANCE CHARGE SCHEDULE Perk)& Corresepondrtg Balance Category R ate Annual Subject to Percentage Rate Finance Charges FOR YOUR SATISFACTION. EVERY HOUR EVERY DAY A. BALANCE TRANSFER, CHECKS .027123% DLY 09.90% $0.00 . •Forotrautomated OirectConnoctseryice call B. ATM, BANK. . . . . . . . .027123% DLY 09.90% $4,346.67 . 1--800-789-6685 C. PURCHASES . . . . . . . . .027123% DLY 09.90% $0.00 D. OTHER BALANCES. .000000% DLY 00.00% $0.00 •Tospeak toor*ofotrCustomer SatisFaotionrepresentadties,*all 1-800-789-6701 FORTM BILLING PERIOD ANNUAL PERCENTAGE RATE ... 9.90% • For TOD (Telsoommunioadons Deeioe For the DeaO assistanoe. call 1-800-346-3178 Includes Periodic Rate And Transaction Fee Finance Cha es •Bilrtgrights we presmedonh}by written inquiry. Malbilling inquiries THIS DOCUMENT IS A COPY OF YOUR STATEMENT. IT D FOR YOUR RECORDS wA all other account klq *Ws to: ONLY AND IS NOT AN OFFICIAL BANK DOOLMENT. THIS COPY IS NOT AN MBNA AMERICA P.O. BOX 15026 EXACT DUPLICATE AND MAY NOT INCLUDE MESSAGES WHICH APPEAR IN PAGE 1 OF 1 WILMINGTON, DE 19850-5026 THE IMPORTANT NEWS BLOCK ON YOUR ORIGINAL PERIODIC STATEMENT. ACCOUNT NUMBER - -- Working Assets 5487 7801 2991 07 98 PAYMENT DLE DATE NEW BALANCE TOTAL 1 09/24/03 $4,256.37 Toro Mw E, 0 ? MakeChZk CARDHOLDER SINCE 1996 $100.00 poyobk to: MBNA AMERICA 22 P.O. BOX 15019 9 WILMINGTON. DE 19886-5019 BRUCE ENSOR 1024 TEAKWOOD LN ENOLA PA 17025-204624 S OOODOOOOO00000000000043203000042837500425637000100000005490354289070804 S 00000000000000000000000000000000000000425637000100000005490354289070804 ACCOUNT NUMBER CREDIT LIE CASH OR CREDIT AVAILABLE CYCLSE CLOSING DATE PAYMMEN M ELIM PAYMENT DUE DATE - - 5487 7801 2991 0798 $6,200 1 T 31 08-26-03 $100.00 09/24/03 Pon TRANS REFERENCE e r TRANSACTIONS AUGUST 2003 STATEMENT CHARGES CREDITS (OR) DA MBER PAYMENTS AND CREDITS 0813 0812 081303 MC PAYMENT - THANK YOU 100.00 CR TOTAL FOR BILLING CYCLE FROM 7/27/2003 THROUGH 8/26/2003 $.00 $100.00 CR 11d PORTAK GET CONNECTED TO A BETTER WORLD! WHEN YOU JOIN WORKING ASSETS LONG DISTANCE NEWS WE DONATE 1% OF YOUR PHONE CHARGES TO THE SAME CAUSES YOU ALREADY SUPPORT WITH YOUR WORKING ASSETS CREDIT CARD. YOU'LL ENJOY LOW RATES. WORLD CLASS PHONE SERVICE, PLUS FREE TREATS! TO LEARN MORE, CALL 1-800-788-8588. DON'T WORRY ABOUT ECONOMIC UNCERTAINTIES! HELP PROTECT YOUR ACCOUNT. ENROLL IN OPTIONAL CREDIT PROTECTION! CONTACT US: 1-800-840-9504 OR WWW.MBNAPROTECT.COM. St) ARY ACTIONS T DUE Previous -Payments + Cash + Purchases *flodicRate TransaodonFee ce a5t Due Amount $0.00 F Balance andAdvances dJldjustments NONONA 1NANOROKAA6 Total urrent Payment $100.00 $4,320.30 $100.00 $0.00 $0.00 $36.07 $0.00 $4,256.37 ota1 Min Payment Due $100.00 FINANCE CHARGE SCHEDULE Periodic Corr PSlpORding Balance Category R " ate m Subject to Peroentage Rate Fhwnoe Charges FOR YOUR SATISFACTION. EVERY HOUR. EVERY DAY A. BALANCE TRANSFER. CHECKS .027123% DLY 09.90% $O. DO • For our autornated Direct Conned serWoe call , B. ATM, BANK. . . . . . . . .027123% DLY 09.90% $4.289.44 1-800-789-6585 C. PURCHASES . . . . . . . . .027123% DLY 09.90% $0.00 • To speak to one of our Customer Satisfaction representatives, cap D. OTHER BALANCES. .000000% DLY 00.00% $0.00 1-8-789-6701 FORTHIS BILLING PERIOD • For TODITeteoommurdeations DeWoe for the Deaf) ass6tanoe, cal ANNUAL PERCENTAGE RATE ... 9.90% 1-800-346-3178 Includes Periodic Rate And Transaction Fee Finance Cha es •Blphtgrightsarepreservedonlybywritteninquiry. MalWilling k*ries THIS DOCUMENT IS A COPY OF YOUR STATEMENT. R IS FOR YOUR RECORDS and all other account k tries toe ONLY AND IS NOT AN OFFICIAL BANK DOCUMENT. TINS COPY IS NOT AN MBNA AMERICA P.O. BOX 15026 EXACT DUPLICATE AND MAY NOT INCLUDE MESSAGES WHICH APPEAR IN PAGE 1 OF I WILMINGTON, DE 19850-5026 THE IMPORTANT NEWS BLOCK ON YOUR OMK46L PERIODIC STATEMENT. ACCOUNT NUMBER Working Assets 5487 7801 2991 0798 PAYMENT' DIE DATE NEW BALANCE TOTAL 10/26/03 $4,190.73 TOTAL MINIMUM PAYMENT AMOUNT ENCLOSED Mekccheck CARDHOLDER SINCE 1996 $100.00 payable to MBNA AMERICA 22 P.O. BOX 15019 9 WILMINGTON, DE 19866-5019 BRUCE ENSOR 1024 TEAKWOOD LN ENOLA PA 17025-204624 S 00000000000000000000042563700042203000419073000100000005490354289070804 S OOOOOOOOOOOOOO000000000000000000000000419073000100000005490354289070804 DAYS IN TGTALMINIMJM ACCOUNT NUMBER CREW LINE CASH OR CREDT AVAILABLE CYCLE CLOSING DATE PAYMENT' DUE PAYMENT DUE DATE 5487 7801 2991 0798 $6.200 30 09-25-03 $100.00 10/26/03 TRANS POSTING I REFERENCE r er TRANSACTIONS SEPTEMBER 2003 STATEMENT CHARGES CRE0T3(CR) DATE DATE NUMBER n PAYMENTS AND CREDITS 0912 0911 091203 MC PAYMENT - THANK YOU 100.00 CR TOTAL FOR BILLING CYCLE FROM 8/27/2003 THROUGH 9/25/2003 $.00 $100.00 CR IMPORTANT NOW YOU'RE MAKING CENTS: EVERY TIME YOU MAKE A PURCHASE WITH YOUR CREDIT NEWS CARD, WORKING ASSETS SENDS 1D CENTS TO NONPROFIT GROUPS DEDICATED TO MAKING THE WORLD A BETTER PLACE. THESE DONATIONS COST YOU NOTHING EXTRA. BUT THEY MEAN EVERYTHING TO THE GROUPS THAT RELY ON WORKING ASSETS TO FUND THEIR GOOD WORK. PAY YOUR BILL QUICKLY WITH PAY-BY-PHONE SERVICE. CALL 1-866-297-9258 TO USE THIS AUTOMATED SERVICE. PAYMENT POSTS THE SAME OR NEXT BUSINESS DAY. SUMMARTOFTAANS ACTION L PAYMEW DUE Previous -Payments + Cash + Purchases +Periodl*Rate +TransaotionFe =NewBalanee ast Due Amount $0.00 Balance and Credits Advances &Adjustments NANOECNA INANCL 'Total urrent Payment $1DD.DD l ;4,256.37 $100.00 $0.00 $0.00 $34.36 $0.00 $4,190.73 otal Min Payment Due $100.00 FINANCE CHARGE SCHEDULE Periodic Cofteseponding Balance Category Rate Annual Subject to Peroentage Rate Finance Charges FOR YOUR SATISFACTION. EVERY HOUR, EVERY DAY A. BALANCE TRANSFER, CHECKS .027123% DLY 09.90% $0.00 •Forourautomat dDirectConnectservice,cal B. ATM, BANK. . . . . . . . .027123% DLY 09.90% $4,223.05 1-800-789-6685 C. PURCHASES . . . . . . . . .027123% DLY 09.90% $0.00 •Tospeak tooneofourCustomerSatisfaction representatives. cab D. OTHER BALANCES. .000000% DLY 00.00% $0.00 1-800-789-6701 FORTHIS BILLING PERIOD -F w TDD (TektranmurtbaNons Device for the Deaf) assistance, call ANNUAL PERCENTABE RATE ... 9.90% 1-800-346-3178 (Includes Periodic Rate And Transaction Fee Finance Chases) •Biligrights arepreserved only bywritten inquiry. Mail blllinginquirfes THIS DOCUMENT' IS A COPY OF YOUR STATEMENT. T IS FOR YOUR RECORDS and all other account inqultles to: ONLY AND IS NOT AN OFFICIAL BANK DOCUMENT. THIS COPY E NOT AN MBNA AMERICA P. O. BOX 15026 EXACT DUPLICATE AND MAY NOT INCLUDE MESSAGES WHICH APPEAR IN PAGE 1 OF 1 WILMINGTON, DE 19850-5026 THE IMPORTANT' NEWS BLOCK ON YOUR ORIGINAL PERIODIC STATEMENr. ACCOUNT NUMBER Working Assets 5487 7801 2991 0798 PAYMENT DUE DATE NEWBALANCETOTAL 1 11/23/03 $4,126.77 XOTAL MINA M PAYMENT AMOU ENCLOSED Makccke,ck CARDHOLDER SINCE 1996 $100.00 payable, to: MBNA AMERICA 22 P.O. BOX 15019 9 WILMINGTON, OE 19886-5019 BRUCE ENSOR 1024 TEAKWOOD LN ENOLA PA 17025-204624 S 00000000000000000000041907300041563700412677000100000005490354289070804 S 00000000000000000000000000000000000000412677000100000005490354289070804 DAYS IN TOTAL MINIMUM ACCOUNT NUMBER CREDIT LINE CASH OR CREOR AVAILABLE CYCLE CLOSING DATE PAYMENT DUE PAYMENT DUE DATE 5487 7801 2991 0798 $6,200 32 10-27-03 $100.00 11/23/03 POSTIN TRANS REFERENCE + a TRANSACTIONS OCTOBER 2003 STATEMENT CHARGES CREDrrS (CR) DA DATE I N UMBER PAYMENTS AND CREDITS 1011 1010 101103 MC PAYMENT - THANK YOU 100.00 CR TOTAL FOR BILLING CYCLE FROM 9/26/2003 THROUGH 10/27/2003 $.00 $100.00 CR IMPORTANT FOLLOW THE MONEY: EACH YEAR, WITH GENEROUS HELP OF MEMBERS LIKE YOU. WORKING NEWS ASSETS RAISES MILLIONS OF DOLLARS IN DONATIONS. WHERE DOES THE MONEY GO? TO NONPROFITS DEDICATED TO MAKING THE WORLD A BETTER PLACE. READ MORE ABOUT THE GROUPS RECEIVING WORKING ASSETS DONATIONS AT WWW.WORKINGASSETS.COM/RECIPIENTS. PAY YOUR BILL QUICKLY WITH PAY-BY-PHONE SERVICE. CALL 1-866-297-9258 TO USE THIS AUTOMATED SERVICE. PAYMENT POSTS THE SAME OR NEXT BUSINESS DAY. MARY OF ANS IONS AL PAYMENT MINIOUR Previous -Payments + Cash + Purchases +PeriodioRate TransaotionF =NwBalanoe ast Due Amount $0.00 Balance and Credits Advances &AdJustments CECHA ANC[ CHAR Taal urrent Payment $100.00 l otal Min Payment Due $100.00 $49190.73 $100.00 $0.00 $0.00 $36.04 $0.00 $4,126.77 FINANCE CHARGE SCHEDULE Pedodio COfrZepOndMtg Balance Category Rate Annual Subject to Percentage Rate Finance Charges FOR YOUR SATISFACTUM, EVERY HOUR. EVERY DAY A. BALANCE TRANSFER, CHECKS .027123% DLY 09.90% $0.00 For our automated Direct Cormeotse?vice."I B. ATM, BANK. . . . . . . . .027123% DLY 09.90% $4,152.01 1-800-789-6685 C. PURCHASES . . . . . . . . .027123% DLY 09.90% $0.00 • To speak to one of our Customer Satisfaction representatives, call 0. OTHER BALANCES. .000000% DLY 00.00% $0.00 1-800-789-6701 FOR THIS BILLING PERIOD • For TAO (Telecommunbations Device For the Deaf) assistance. call ANNUAL PERCENTAGE RATE ... 9.90% 1-800-346-3178 Includes Periodic Rate And Transaction Fee Finance Cha es •Blllingrightsarepreservedonlgbgwritteninqulgg MaEbliftInquides THIS DOCUMENT IS A COPY OF YOUR STATEMENT. R IS FOR YOUR RECORDS and all other account inquiries to: ONLY AND 19 NOT AN OFFICIAL BANK DOCUMENT. THIS COPY IS NOT AN MBNA AMERICA P. O. BOX 15026 EXACT DUPLICATE AND MAY NOT INCLUDE MESSAGES WHICH APPEAR IN PAGE I OF 1 WILMINGTON, DE 19850-5026 THE IMPORTANT NEWS BLOCK ON YOUR ORIGINAL PERIODIC STATEMENT. ACCOUNT NUMBER Working Assets 5481 7801 2991 0798 PAYMENr DUE DATE NEW BALANCE TOTAL 1 12/25/03 $4,057.87 TOTAL MOO" AYM NT AMOUNT ENC ^ED M*ACh«k CARDHOLDER SINCE 1996 $100.00 poysbk:to: MBNA AMERICA 22 P.O. BOX 15019 9 WILMINGTON, DE 19886-5019 BRUCE ENSOR 1024 TEAKWOOD LN ENOLA PA 17025-204624 S 00000000000000000000041267700040907300405787000100000005490354289070804 S 00000000000000000000000000000000000000405787000100000005490354289070804 ACCOUNT NUMBER CREW LINE CASH OR CREDIT AVAILABLE CYCLEIN CLOSING DATE PAYMENT DUE PAYMENT DUE DATE 5487 7801 2991 0798 $6,200 28 11-24-03 $100.00 12/25/03 POSTIIUG TRAM REFERENCE n ?r TRANSACTKNOS NOVEMBER 2003 ENT CHARGES CREDITS (CR) TE N ?? PAYMENTS AND CREDITS 1113 1112 111303 MC PAYMENT - THANK YOU 100.00 CR TOTAL FOR BILLING CYCLE FROM 10/28/2003 THROUGH 11/24/2003 $.00 $100.00 CR IMPORTANT REGISTER. VOTE. WIN. WORKING ASSETS HAS LAUNCHED A CAMPAIGN TO REGISTER ONE NEWS MILLION NEW VOTERS BY ELECTION DAY 2004. MAKE YOUR VOTE COUNT-UPDATE YOUR REGISTRATION OR HELP YOUR FRIENDS REGISTER ONLINE BY VISITING WWW.REGISTRATIONBYWORKINGASSETS.COM. PAY YOUR BILL QUICKLY WITH PAY-BY-PHONE SERVICE. CALL 1-866-297-9258 TO USE THIS AUTOMATED SERVICE. PAYMENT POSTS THE SAME OR NEXT BUSINESS DAY. tUMMARYOFTRAN IONS P Y DUE Previous -Pagments + Cdsh + Purchases +PeriodioRate +TransactionFee =New Balance ast Due Amount $0.00 Balance and Credits Advances +lAdjustments ANCEONAI?16 CKAMN Total urrent Payment $100.00 0 $4.126.77 $100.00 $0.00 $0.00 $31.10 $0.00 $4,057.87 otal Min Payment Due $100.( FINANCE CHARGE SCHEDULE Periodic Correseponding Balance Category Rate Annwl SWIM to Percentage Rate Finance Charges FOR YOUR SATISFACTION. EVERY HOUR, EVERY DAY A. BALANCE TRANSFER, CHECKS .027123% DLY 09.90% $0.00 •ForourataomatedDirect Cormotservice.cal B. ATM, BANK. . . . . . . .027123% DLY 09.90% $4,095.41 1-800-789-6685 C. PURCHASES . . . . . . . . .027123% OLY 09.90% $0.00 •TospeaktooneofourCustomerSatisfactionrepresantadues,cal D. OTHER BALANCES. .000000 DLY 00.004 $0.00 1-800-789-6701 or 7DD (Teleoommunications Device for the Deaf) assistance, aaN FORTNIS BILLING PERIOD -F 0-346-3178 ANNUAL PERCENTAGE RATE ... 9.90% 1-80 ] •BlIftrightsarepreservedoMgbgwittenbpuirg.MalbilingInquiries Includes Periodic Rate And Transaction Fee Finance Charges) THIS DOCUMENT IS A COPY OF YOUR STATEMENT. R IS FOR YOUR RECORDS and al other account Mgtdrles to ONLY AND IS NOT AN OFFICIAL BANK DOCUMENT. THIS COPY IS NOT AN MBNA AMERICA P.O. BOX 15026 EXACT DUPLICATE AND MAY NOT INCLUDE MESSAGES WHICH APPEAR IN PAGE 1 OF 1 WILMINGTON. DE 19850-5026 THE IMPORTANr NEWS BLOCK ON YOUR ORIGINAL PERIODIC STATEMENT. ACCOUNT NUMBER Working Assets 5487 7801 2991 0798 PAYMENT DUE DATE NEW SALANCETOTAL 01/26/04 53.992.78 TOTAL MI PAY NrOUE ENCLOSED Wise check CARDHOLDER SINCE 1996 $100.00 j F Payable to: __ MBNA AMERICA 22 P.O. BOX 15019 g WILMINGTON, DE 19886-5019 BRUCE ENSOR 1024 TEAKWOOD LN ENOLA PA 17025-204624 S 0000000000000000000004057870004026770039927BOO0100000005490354289070804 S 00000000000000000000000000000000000000399278000100000005490354289070804 ACCOUNT NUMBER CREDIT LINE CASH OR CREDIT AVAILABLE CYCLE CL08W DATE PAYTOTAL MENT DUE M PAYMENT DUE DATE - - 5487 7801 2991 0798 $6,200 T 1 32 12-26-03 $100.00 01/26/04 POSTING TRAIN REFERENCE a TRANSACTIONS DECEMBER 2003 STATEMENT CHARGES VMS 7) Wj DATE NUMBS PAYMENTS AND CREDITS 1211 1210 121103 MC PAYMENT - THANK YOU 100.00 CR TOTAL FOR BILLING CYCLE FROM 11/25/2003 THROUGH 12/26/2003 $.00 $100.00 CR IMPORTANT TELL US WHERE THE MONEY GOES: EACH YEAR MEMBERS LIKE YOU HELP WORKING ASSETS NEWS RAISE MILLIONS FOR WORTHY CAUSES. NOW YOU HAVE A SAY ON HOW TO DISTRIBUTE THE FUNDS. WHERE WOULD YOU LIKE TO SEE DUR DONATIONS GO? TO EDUCATION? PEACE? THE ENVIRONMENT? IT'S UP TO YOU. CAST YOUR VOTE AT WORKINGASSETS.COM/VOTE. PAY YOUR BILL QUICKLY WITH PAY-BY-PHONE SERVICE. CALL 1-866-297-9258 TO USE THIS AUTOMATED SERVICE. PAYMENT POSTS THE SAME OR NEXT BUSINESS DAY. S OFTRA ACT T PAY19101F DUE Previous -Payments + Cash + Purchases +PeriodIcRett +TransactionFool =New Balance ast Due Amount $0.00 L Tftq= Balance and Credits Advances ejustments ANCiCNAF C AW Toat 11 urrent Payment $100.00 $4 057 87 $100 00 $0 00 $0 00 $34 91 , . . . . . $0.00 $3.992.78 otal Min Payment Due $100.00 FINANCE CHARGE SCHEDLAE Pedodlo Car7=7' ing Balance Category R ate Subject to Paroerttage Rate Finance Charges FOR YOUR SATISFACT1113N, EVERY HOUR EVERY DAY , A. BALANCE TRANSFER, CHECKS .027123% DLY 09.90% $0.00 •ForowautomatedDirect Connect service, can B ATM BANK 2 1 . , . . . . . . . . .0 7 23% DLY 09.90% $4,021.74 1800-789-6685 C. PURCHASES . . . . . . . . .027123% DLY 09.90% $0.00 • To speak to one of our Customer Satisfaction representatives, call D. OTHER BALANCES. .000000% DLY 00.00% $0.00 1-800-789-6701 FORTtM BILLING PERIOD • For TOO TeteoommuNeations Device for the Deal) assistance, call ANNUAL PERCENTAGE RATE... 9.90% 1-800-346-3178 Includes Periodic Rate And Transaction Fee Finance Char es •BAlbt rights are preserved only by written inquiry. Mail billinginqukies THIS DOCUMENT IS A COPY OF YOUR STATEMENT . IT IS FOR YOUR RECORDS and aA other account Inquiries to. ONLY AND IS NOT AN OFFICIAL BANK DOCUMENT. THIS COPY IS NOT AN MBNA AMERICA P. O. BOX 15026 EXACT DUPLICATE AND MAY NOT INCLUDE MESSAGES WHICH APPEAR IN PAGE 1 OF 1 WILMINGTON DE 19850-5026 , THE IMPORTANT NEWS BLOCK ON YOUR ORIGINAL PERIODIC SFATEMEMr. Working Assets Mahe check payoble to: MBNA AMERICA 22 P.O. BOX 15019 WILMINGTON, DE 19886-5019 5487 7801 2991 0798 PAYMENT DUE DATE NEW BALANCETOTAL 1 02/23/04 $3,927.20 TOTAL 11AMALIMPAYMENT E EN AMOUNT osEo $100.00 BRUCE ENSOR 1024 TEAKWOOD LN ENOLA PA 17025-204624 S 000000000000000000000399278000395787DO392720000100000005490354289070804 S OOOOD000000000000000000000D00000000000392720000100000005490354289070804 9 TOTAL --11 ATAILAOLe t;TL.ZC ULUW MATE PAYMENT DUE PAYMENT DUE DATE 5487 7801 2991 0798 $6,200 32 01-27-04 $100.00 02/23/04 PAYMENTS AND CREDITS 0115 0114 011504 MC PAYMENT - THANK YOU 100.00 CR TOTAL FOR BILLING CYCLE FROM 12/27/2003 THROUGH 1/27/2004 $.00 $100.00 CR IMPORTANT SMALL CHANGE, BIG DIFFERENCE: THANKS FOR USING YOUR WORKING ASSETS VISA. NEWS REMEMBER, EVERY TIME YOU USE YOUR CARD, WORKING ASSETS SENDS 10 CENTS TO GROUPS WHO ARE WORKING TO MAKE THE WORLD A BETTER PLACE (AT NO COST TO YOU). FOR MORE ABOUT GROUPS RECEIVING DONATIONS, GO TO WORKINGASSETS.COM/RECIPIENTS. Previous -Payments + Cash + purchases +Periodb 1 Balancr and Credits Advances SAdjustments NC[C Fiate +TransacdZF -New Balance 'ast Due Amount $0.00 rWANag ON, $3.992.78 $100.00 $0.00 $0.00 $34.42 $.00 - Taal urrent Payment $100 $3,927.20 otal Min Payment Due $100. 00 00 FINANCE CNARGE SCttmuLE Periodc Correseponding Category Balance . Rate Anrtual Subject to Percentage Rata A. BALANCE TRANSFER, CHECKS .02712391 DLY 09.904 FinanceCharges $0 00 FOR YOUR SATISFACTUM. EVERY HOUR, EVERY DAY B. ATM, BANK. .027123% DLY 09.904 . $3,965.78 For ourautomated ObectConnect smice.caN 1-800-789-6685 C. PURCHASES . . . . . . .027123% OLY 09.90% 0. OTHER BALANCES. .000000% DLY 00 00% $0.00 00 $0 • To speak to one of our Customer Satisfaction r epresentatwes,calt 16 0 89 . FOR THIS BLLUNO PERIOD ANNUAL PERCENTAGE RATE ... 9.90% . 0 -7 -6701 • For TOD (Tdeoommunioatfons Device for the DeaO assistance, call 1-800-346-3178 Includes Periodic Rate And Transaction Fee Finance Charaes) TNIS DOCUMENT Is A COPY OF YOUR STATEMENT. R IS FOR YOM RECORDS Billinrights are preserved onIq g by written inquiry. Mail Filling Ingcwies ONLY AND IS NOT AN OFFICIAL BANK DOCUMENT. T= COPY Is NOT AN e s t and other toe MBNA account AMERICCA PA P O BOX 15026 EXACT DUPLICATE AND MAY NOT INCLUDE MESSAGESWWCNAPPEARin THE IMPORTANT NEWS BLOCK ON YOUR ORMWALaEamirxrirsararr PAG E 1 OF 1 . . . WILMINGTON, DE 1 19850-5026 CARDHOLDER SINCE 1996 Working Assets Make ekeck Pagoblc to: MBNA AMERICA 22 P.O. BOX 15289 WILMINGTON, DE 19886-5289 CARDHOLDER SINCE 1996 5487 7801 2991 0798 PAYMENT DUE DATE NEW BALANCE TOTAL 03/25/04 $3,856.75 A MININIM PAYM AM NT CLOSED IWI $100.00 BRUCE ENSOR 1024 TEAKWOOD LN ENOLA PA 17025-204624 9 S 0000000000000000000003927200003892780038567500010000000549035428907D804 S 00000000000000000000000000000000000000385675000100000005490354289070804 W.. $6, 2DD ..+en a,.s a .scans nvARnoLe t; 28 a GLUFM DATE PAYMENT DUE PAYMENT DUE DATE 5487 7801 2991 0798 $100.00 03/25/04 PAYMENTS AND CREDITS 0212 0211 021204 MC PAYMENT - THANK YOU 100.00 CR TOTAL FOR BILLING CYCLE FROM 1/28/2004 THROUGH 2/24/2004 $.00 $100.00 CR IMPORTANT FREE ICE CREAM! SIGN UP TODAY WITH WORKING ASSETS LONG DISTANCE AND GET A NEWS COUPON FOR A FREE PINT OF BEN AND JERRY'S ICE CREAM EVERY MONTH FOR 12 MONTHS AND 360 MINUTES OF FREE CALLS. PLUS, 1% OF YOUR PHONE CHARGES GO TO NONPROFIT GROUPS AT NO EXTRA COST. TO LEARN MORE, GO TO WORKINGASSETS.COM/LONGDISTANCE. PAY YOUR BILL QUICKLY WITH PAY-BY-PHONE SERVICE. CALL 1-866-297-9258 TO USE THIS AUTOMATED SERVICE. PAYMENT POSTS THE SAME OR NEXT BUSINESS DAY. Previous Payments + Cash + Balance and Credits Advances & Rate )3,9z/.LU $100.00 $0.00 $0.00 $29.55 FINANCE CHARGE SCHEDULE Pedodb CorrAep ding Category Rat Balance e Percentage Rate Finance MChaarrges A. BALANCE TRANSFER. CHECKS .027123% DLY 09.90% $0.00 B. ATM, BANK. . . . . . . . .027123% DLY 09.90% $3,891.52 C. PURCHASES . . . . . . . . .027123% DLY 09.904; $0.00 D. OTHER BALANCES. .000000% DLY 00.004 50.00 FORTH BILLING PERIDD ANNUAL PERCENTAGE RATE ... 9.90% I (Includes Periodic Rate And Transaction Fee Finance Cha es Tres DOCUMENT IS A COPY OF YOUR STATEMENT. IT IS FOR YOUR RECORDS ONLY AND IS NOT AN OFFICIAL BANK DOCUNINT. THIS COPY IS NOT AN EXACT DUPLICATE AND MAY NOT INCLUDE MESSAGES WHICH APPEAR IN PAGE 1 OF 1 = New Balance Total sue Amount $0.00 t Payment $100.00 Min Payment Due $100.00 FOR YOUR SATISFACTION. EVERY HOUR. EVERY DAY • For our automated Direct Connect service, call 1-800-789-6685 • To speak to one of our Customer Satlslaouon representatives. cal 1-789-6701 • For TDD eleoommunications Devloe for the Dea0 asslstanoe. call 1-800-346-3178 • Billing rights are preserved only by written Inquiry. Mal bung inquiries and ad other account inquiries to: MBNA AMERICA P.O. BOX 15026 WILMINGTON. DE 19850-5026 Working Assets Make check pyable to: MBNA AMERICA 22 P.O. BOX 15289 WILMINGTON, DE 19886-5289 CARDHOLDER SINCE 1996 5487 7801 2991 0798 PATMEIIT DLIEwDATE NEW BALANCETOTAI 04/25/04 $3,788.85 MINIMUM PAYM DUE Mo ENCLOSED $100.00 BRUCE ENSOR 9 1024 TEAKWOOD LN ENOLA PA 17025-204624 S 00000000000000000000038567500038272000378885000100000005490354289070804 S 00000000000000000000000000000000000000378885000100000005490354289070804 ACCOUNT NUMBER CPAW LINE CASH OR CREDIT AVAILABLE CYCLEN CLOSING DATE PA TOTAL YMENT PAYMENT DUE DATE 5487 7801 2991 0798 $6,200 31 03-26-04 $100.00 04/25/04 ING RTNS REFERENCE ?? ar TRANSACTIONS MARCH 2004 S AT NT CHARGES CREDITS (CR) PAYMENTS AND CREDITS 0311 0310 031104 MC PAYMENT - THANK YOU 100.00 CR TOTAL FOR BILLING CYCLE FROM 2/25/2004 THROUGH 312612004 f.00 $100.00 CR IMPORTANT PAY YOUR BILL QUICKLY WITH PAY-BY-PHONE SERVICE. CALL 1-866-297-9258 TO NEWS USE THIS AUTOMATED SERVICE. PAYMENT POSTS THE SAME OR NEXT BUSINESS DAY. i'revious -Payments + Cash t Pu Balance and Credits Advances &Adj f3 856 Transaot' .15 4100.00 $0.00 $0.00 $32.10 $ FINANCE CHARGE SCHEDULE periodic Corresepondfng Category 9alanoe Rate Subleatto Percentage Rate A. BALANCE TRANSFER, CHECKS .0271234 DLY 09.90% Fnanee Charges $0 00 B. ATM, BANK. . . . . . . . .027123% DLY 09.90% . $3 817 52 C. PURCHASES . . . . . . .027123% DLY 09.90% 0. OTHER BALANCES. .000000% DLY 00.004 , . $0.00 $0.00 BILLING IOD A PERTAtaE RATE ... 9.90% E E n l tudes Periodic Rate And Transaction Fee Finance Cha r ] es g THIS DOCUMENT M A COPY OF YOUR STATEMENT, R IS FOR YOLlR RECORDS ONLY AND 4 NOT AN OFFICIAL BANK DOCUMENT. THIS COPY IS NOT AN EXACT DUPLICATE AND MAY NOT INCLUDE MESSAGES WHICH APPEAR IN PAGE 1 OF 1 ronF =NewBalanoe ast Due hU Total urrent P .00 $3,788.85 lotal Min $100.00 Due $100.00 FOR YOUR SATISFACTION. EVERY HOUR, EVERY DAY 'For our automated Direct Connect service, can 1-800-789-6685 • To spunk to one of our Customer SatisFaction representatives, can 1-800-789-6701 • For TDD (T ekoortMuications Devioe for the DeaO assistance, can 1-800-346-3178 • Billing rights are preserved oNy by written Inquiry. Man billing inquiries and an other account Inquiries to. MBRA AMERICA P.O. BOX 15026 WILMINGTON, DE 19850-5026 Working Assets Malec deck payablc to: MBNA AMERICA 22 P.O. BOX 15137 WILMINGTON, DE 19886-5137 CARDHOLDER SINCE 1996 5487 7801 2991 0798 PAYMENT DUE DATE NEW BALANCETOTAL 05/25/04 $3,820.84 TOT MINIMI.WPAYMW ME, LUJT ENCLOSE' $200.00 BRUCE ENSOR 9 1024 TEAKWOOD LN ENOLA PA 17025-204624 S 00000000000000000000037888500037567500382084000200000005490354289010804 S 00000000000000000000000000000000000000382084000200000005490354289070804 200 OR DUE DATE 7801 2991 0798 TOT 00 31 OUR RECORDS SHOW YOUR ACCOUNT IS PAST DUE PORTANT SAYING THE TIGER: WHEN THE SIBERIAN TIGER WAS CLOSE TO EXTINCTION IN NEWS THE MID-'90S, WILDAID'S ANTI-POACHING PROGRAM BROUGHT IT BACK FROM THE BRINK. WILDAIO IS ONE OF THE GROUPS YOU SUPPORT THROUGH YOUR MEMBERSHIP IN WORKING ASSETS. READ ABOUT OTHERS AT WWW.WORKINGASSETS.COM/RECIPIENTS. PAY YOUR BILL QUICKLY WITH PAY-BY-PHONE SERVICE. CALL 1-866-297-9258 TO USE THIS AUTOMATED SERVICE. PAYMENT POSTS THE SAME OR NEXT BUSINESS DAY. Previous -Payments + Cdsh + Purchases +PeriodlcRxe +TransaotionFee =New Balance Balance and Credits Advances + Purchase SLAdJustments NANC1ig1AR0 IHANCCCMAR6 1 Total $3,788.85 $0.00 $0.00 $0.00 $31.99 $0.00 $3,820.84 FINANCE CHARGE SCHEDULE Category per Rate iodic CorrA? ny s'leat Percentage Rate A. BALANCE TRANSFER, CHECKS .027123% OLY 09.90% o FbaS4Charges $0 00 B. ATM, BANK. . . . . . . . .027123% DLY 09.90% C. PURCHASES . $3,804.31 . . . . . . .027123% DLY 09.90% D. OTHER BALANCES. .000000% DLY 00.00% $0.00 $0.00 0RT1I*8ILL1NGPEpioD [F NUAL PERCENTAGE RATE ... 9.90% cludes Periodic Rate And Transaction Fee Finance Cha e s THI8 DOCUMENT IS A COPY OF YOUR STATEMENT. R IS FOR YOUR RECORDS ONLY AND IS NOT AN OFFICIAL BANK DOCUMENT. THIS COPY to NOT AN EXACT DUPLICATE AND MAY NOT INCLUDE MESSAGES WHICH AppEAR IN PA THE IMPORTANT NEWS BLOCK ON YOUR earcuul GE 1 OF 1 ent Payment $100.00 1 Min Payment Due $200.00 FOR YOUR SATISFACTION. EVERY HOUR. EVERY OAY • For our automated Direct Connect service, call 1-800-789-6685 • To sk to one Of our Customer Satisfaction representatives, cal 1-880789-6701 • For TIM oNoommunloations Devloe for the Deaf) assistance, call 1-800-346-3178 • BNng dghts are preserved only by written inquiry. Mail billing inquiries and A other account Inquiries to: MBNA AMERICA P.O. BOX 15026 WILMINGTON, DE 19850-5026 ACCOUNTNUMBER Working Assets 1 5487 7801 2991 0798 PAYMENT DUE DATE NEW BALANCE TOTAL 06/24/04 $3,852.05 70TA I I AMOUNT ENCWS[D Mokachak CARDHOLDER SINCE 1996 $300.00 paSvblo to: MBNA AMERICA 22 P.O. BOX 15137 9 WILMINGTON, DE 19886-5137 BRUCE ENSOR 1024 TEAKWOOD LN ENOLA PA 17025-204624 S 00000000000000000000038208400037567500385205000300000005490354289070804 S 000000000000000000000000000000000000003852050003000000054903542890708D4 ACCOUNT NUMBER CREDIT LINE CASH OR CREDIT AVAILABLE CCYYCLE CLOSING DATE PAYAME1 t MINIMUM PAYMENT DUE DATE 5487 7801 2991 0798 $6,200 30 05-26-04 $300.00 06/24/04 POSTING TRA REFERENCE a " M TRANSACTIONS MAY 2004 STATEMENT CHARGER CnEDITS(CR) DATE DATE NUMBER OUR RECORDS SHOW YOUR ACCOUNT IS PAST DUE IMPORTANT PAY YOUR BILL QUICKLY WITH PAY-BY-PHONE SERVICE. CALL 1-866-297-9258 TO Nr=Wg USE THIS AUTOMATED SERVICE. PAYMENT POSTS THE SAME OR NEXT BUSINESS DAY. SUM Y OFT ANSACT ONS PAYAEMT DUE Previous -Payments + Cash + Purchases +MnlodicRate TransaotlonFee l =New Balance ast Due Amount $200 00 Balanee 84 $3 820 and Credits $0 0 Advances I &Adlustmehts NAMZCNAA6E NVANC[emna l . Total urrent Payment $100.00 , . . 0 $0.00 $0.00 $31.21 10.00 $3,852.05 otal Min Payment Due $300.00 FINANCE CHARGE SCHEDULE periodic CorresepondkV Balance Category Rate Annual Subject to Percentage Rate Finance Charges FOR YOUR SATISFACTION. EVERY HOUR, EVERY DAY A. BALANCE TRANSFER, CHECKS .027123% DLY 09.90% $0 00 • . Forourautomated Direct Connect service, call B. ATM, BANK. . . . . . . . .027123% DLY 09.90% $3.835.90 1-800-789-6685 C. PURCHASES . . . . . . .027123% DLY 09.903; $0.00 • To speak to one of our Customer Satisfaction representatives, cal D. OTHER BALANCES. . .000000% DLY 00.00% $0.00 1-800-789-6701 FORTHIS BILLING PERIOD • For TOD tTeleoommurgomlorts Device for the Deaf) assistance, call ANNUAL PERCENTA6E RATE ... 9.90% 1-800-346-3178 includes Periodic Rate And Transaction Fee Finance Char es •BlBngrightswepreservedonlybywittennquiry. Mail billing inquiries THIS DOCUMENT IS A COPY OF YOUR STATEMENT. T is FOR YOlai RECORDS and aN other account nqukles to ONLY AND IS NOT AN OFFICIAL BANK DOCUMENT. THIS COPY IS NOT AN MBNA AMERICA P.O. BOX 15026 EXACT DUPLICATE AND MAY NOT INCLUDE MESSAGES WHICH APPEAR IN PAGE 1 OF 1 WILMINGTON DE 19850-5026 . THE IMPORTANT NEWS BLOCK ON YOUR ORIGINAL PERIODIC STATEMENT. ACCOUNT NUMBER Working Assets 5487 7801 2991 0798 PAYMENT DUE DATE NEW BALANCE TOTAL 07/26/04 $3,973.45 TOTAI MI PAYMENT DUE ENCLOSED make chock CARDHOLDER SINCE 1996 $399.00 payable to: MSNA AMERICA 22 P.O. BOX 15137 3L WILMINGTON, DE 19886-5137 BRUCE ENSOR 1024 TEAKWOOD LN ENOLA PA 17025-204624 S 00000000000000000000038520500037567500397345000399000005490354289070804 S 0000000000000000000000000000000000000039734500039900000549035428907D804 M1NIMUM C E AYµ ACCOUNT NUMBER DUE PAYMENT DUE DATE CREDIT LINE CASH OR CREDIT AVAILABLE CY CLOSING DATE P L MENT 5487 7801 2991 0798 $6,200 30 06-25-04 $399.00 07/26/04 POSTIN BANS REFERENCE • 41 ar TRANSACTIONS JUNE 2004 STATEMENT CHARGES CREDITS(CA) DATE DATE N R PURCHASES AND ADJUSTMENTS 0625 0625 0003852 MC C LATE FEE FOR PAYMENT DUE 06/24 35.00 TOTAL FOR BILLING CYCLE FROM 5/27/2004 THROUGH 6/25/2004 $35.00 $.00 OUR RECORDS SHOW YOUR ACCOUNT IS PAST DUE IMPORTANT NEWS ;UM MARY Of TRANSACTIONS A M DUE Previous -Payments + Cash + Purchases +PedodieRate +TransactlonFee =NowBaiartoe ast Due Amount $300.00 Balance and Credits Advances &Adjustments ANOiOHAF169 ANOEOMAR= Total urrent Payment $99.00 $3,852.05 $0.00 $0.00 $35.00 $86.40 $0.00 $3.973.45 otal Min Payment Due $399.00 FINANCE CHARGE SCHEDULE Periodic Carr eseponding Balance Category Rate Annual Subject to Percentage Rate Finance Charges FOR YOUR SATWFACTION. EVERY HOUR. EVERY DAY A. BALANCE TRANSFER, CHECKS .073945% DLY 26.99% $0.00 •ForOutAutomated Direct COMMservice. call B. ATM, BANK. . . . . . . . .073945% DLY 26.99% $3,893.64 1-800-789-6685 C. PURCHASES . . . . . . . .073945% DLY 26.99% $1.17 •ToseeaktooneOFoutCustomer Satisfaction representatives. CAI D. OTHER BALANCES. .000000% DLY 00.00% $0.00 1-800-789-6701 FORTHIS B&LING PERIOD • For TDi7 Telecommunications Device for the Deaf) assistance. call ANNUAL PERCENTAGE RATE - -- 26.99% 1-800-346-3178 Includes Periodic Rate And Transaction Fee Finance Char es •Billingrightsarepreservedordybgwrittenlnqukii. Mail billing Inquiries THIS DOCUMENT IS A COPY OF YOUR STATEMENT. IT IS FOR YOUR RECORDS and all other account inquirles W. ONLY AND IS NOT AN OFFICIAL BANK DOCUMENT. THIS COPY IS NOT AN MSNA AMERICA P.O. BOX 15026 EXACT DUPLICATE AND MAY NOT INCLUDE MESSAGE$ WHICH APPEAR IN PAGE 1 OF 1 WILMINGTON, DE 19850-5026 THE IMPORTANT NEWS BLOCK ON YOUR ORIGINAL PERIODIC STATEMENT. '69. 1T b ? a ?`? N ?.y` ..drT `?J ? ? - ?. . ? .? ?? a.. .?;.''""' +? -- fJ t ? { N ts7 -G IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. Plaintiff, V. BRUCE ENSOR Defendant. NO. 07-847 CIVIL TERM CIVIL ACTION -- LAW ANSWER NOW comes the Defendant, Bruce Ensor, by and through his undersigned attorney, and answers as follows: 1. Defendant admits upon information and belief. 2. Defendant admits. 3. Defendant admits the allegation of paragraph 3. 4. Defendant admits that the agreement has an Arbitration provision, but denies that the provision requires the Defendant to arbitrate through the National Arbitration Foundation. 5. Defendant admits to using a charge card issued by Defendant in making purchases. 6. Defendant denies that he became bound to all contractual terms or that there is a valid agreement to arbitrate and consent to NAF having jurisdiction over this claim. 7. Defendant admits that he was provided copies of the Statements of Account, but denies that there was no bona fide objection by Defendant. 8. Defendant admits he made payments on the account, but specifically denies that they were sporadic or irregular. 9. After reasonable investigation, Defendant is unable to ascertain the truth of the allegation and therefore denies it in its entirety and requests strict proof thereof at trial. 10. After reasonable investigation, Defendant is unable to ascertain the truth of the allegation and therefore denies it in its entirety. 11. After reasonable investigation, Defendant is unable to ascertain the truth of the allegation and therefore denies it in its entirety and requests strict proof thereof at trial. 12. After reasonable investigation, Defendant is unable to ascertain the truth of the allegation and therefore denies it in its entirety and requests strict proof thereof at trial. 13. Denied. Defendant denies that he has refused any reasonable demands for payment of uncontested amounts due and owing. 14. After reasonable investigation, Defendant is unable to ascertain the truth of the allegation and therefore denies it in its entirety and requests strict proof thereof at trial. 15. This averment is a procedural matter and does not require a response by defendant. To the extent that a response is required, it is denied that the amount is within the jurisdictional amount required for compulsory arbitration. Defendant denies all other allegations of the Complaint that are not specifically admitted. WHEREFORE, Defendant requests that Plaintiff's Complaint be dismissed with prejudice and judgment be entered in his favor and against Plaintiff, plus costs of this action and such further relief that this Honorable Court may decree. NEW MATTER 16. Paragraphs 1-15 of Defendant's Answer with New Matter are incorporated herein by reference thereto. 17. Plaintiff has failed to set a claim upon which relief may be granted. 18. Plaintiff has failed to join an indispensable party. 19. Plaintiff has failed to mitigate its damages, if any. 20. Plaintiff may be barred in whole or in part by the applicable Statute of Limitations. 21. Plaintiff may be barred in whole or in part by the principle of res judicata. 22. Plaintiff's claim may be barred by estoppel, waiver and laches. 23. Plaintiff's claim may be barred by the Principles of Accord and Satisfaction. 24. Plaintiff's claim may be barred by the doctrine of payment. 25. Plaintiff voluntarily assumed the risk of the facts set forth in this Complaint and accordingly its claim is barred. WHEREFORE, Defendant, Bruce Ensor, respectfully requests the Court to enter judgment in favor of Defendant and against Plaintiff Respectfully submitted, Law Offices Of Peter J. Russo, P.C. Scott A. Stein, Esquire Attorney ID No. 81738 3800 Market Street Camp Hill, PA 17011 (717) 591-1755 DATE: ` / ? V 7 Y lR 1=lgATION Fir Jt. n:sor, vefity that the statement wade tri the foNqowc An4wt r mitt= Nt>vj Matter are tree. and correct, I ttndc"stand that false statements herein are made LIbIPCt to the penalties of 1 Fla, , S, 004 relating to unswum l is fic: tiort to utho tw , Dated Bruce Eraser IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. NO. 07-847 CIVIL TERM FKA, MBNA AMERICA BANK, N.A. Plaintiff, vi. CIVIL ACTION -- LAW BRUCE ENSOR Defendant. CERTIFICATE OF SERVICE I hereby certify that I have on this day served a true and correct copy of the Defendant's Answer, upon the following person, in the manner indicated: U.S. Mail Wolpoff & Abramson, L.L.P Attorneys for Plaintiff 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 DATE: V-)3-07 Scott A. Stein, Esquire -n ; C? 4% IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COURT, PENNSYLVANIA FIA CARD SERVICES, N.A., f/k/a MBNA AMERICA BANK, N.A. Plaintiff vs. No. 07-847 CIVIL TERM CIVIL ACTION - LAW BRUCE ENSOR Defendant REPLY TO NEW MATTER AND NOW, comes Plaintiff, by and through its attorneys, Wolpoff & Abramson, L.L.P., and files the following Reply to New Matter as stated herein: 16. Paragraphs 1 through 15 of Plaintiff's Complaint are incorporated herein by reference thereto. 17-25. The allegations contained in these Paragraphs are conclusions of law to which no response is necessary. WHEREFORE, Plaintiff FIA Card Services, N.A., f/k/a MBNA America Bank, N.A., respectfully requests this Honorable Court to enter Judgment in favor of Plaintiff and against Defendant Bruce Ensor. Respectfully submitted, I LAW OFFICES WOLPOFF & ABRAMSON, L.L.P. ATTORNEYS IN THE PRACTICE OF DEBT COLLECTION 4660 TRINDLE ROAD SUITE 300 CAMP HILL, PA 17011 717-303.6700 David R. Gall ay #87326 WOLPOFF & ABRAMSON, LLP Attorneys in the Practice of Debt Collection 4660 Trindle Rd., Suite 300 Camp Hill, PA 17011 (717) 303-6700 W&A File No.: 122943374 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COURT, PENNSYLVANIA FIA CARD SERVICES, N.A., ki f/k/a MBNA AMERICA BANK, N.A. Plaintiff VS. BRUCE ENSOR Defendant : No. 07-847 CIVIL TERM CIVIL ACTION - LAW CERTIFICATE OF SERVICE The undersigned does hereby certify that a copy of the foregoing Reply to New Matter has been served upon counsel for the Defendant, by First Class Mail, Postage Pre- Paid, a copy thereof on this day of April, 2007 to: Scott Stein, Esquire 3800 Market St Camp Hill, PA 17011-4327 David R. Gallo ay #87326 WOLPOFF & BRAMSON, LLP Attorneys in the ractice of Debt Collection 4660 Trindle Rd., Suite 300 Camp Hill, PA 17011 (717) 303-6700 LAW OFFICES WOLPOFF & ABRAMSON, L.L.P. ATTORNEYS IN THE PRACTICE OF DEBT COLLECTION 4660 TRINDLE ROAD SUITE 300 CAMP HILL, PA 17011 717-303-6700 W&A File No.: 122943374 ?_: 5m - SHERIFF'S RETURN - REGULAR CASE NO: 2007-00847 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND FIA CARD SERVICES N A ET AL VS ENSOR BRUCE STEPHEN BENDER , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon F:T\Tgo P RRTTC p' the DEFENDANT , at 1620:00 HOURS, on the 14th day of March 2007 at 1024 TEAKWOOD LANE ENOLA, PA 17025-2046 by handing to DONNA ENSOR, 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 18.00 Service 28.80 Affidavit .00 Surcharge 10.00 .00 )JG 5 6 . 8 0 Sworn and Subscibed to before me this day of , So Answers: R. Thomas Kline 03/15/2007 WOLPOFF & ABRAMSON By eputy Sheriff A. D. f 4 w MBNA, AMERICA BANK, N.A. V. BRUCE ENSOR IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 07-0847 CIVIL TERM PETITION FOR APPOINTMENT OF ARBITRATORS TO THE HONORABLE, THE JUDGES OF SAID COURT: David R. Galloway, Esq. , counsel for the PLANTIFF/defendant in the above action (or actions), represents that: 1. The above-captioned action (or actions) is (are) at issue. 2. The claim of plaintiff in the action is $_4,429.85 The counterclaim of the defendant in the action is Respectfully submitted, David R. Gallo ay, Esq. ORDER OF COURT AND NOW, , 200 , in consideration of the foregoing The following attorneys are interested in the case(s) as counsel or are otherwise disqualified to sit as arbitrators: Scott Stein, Esquire & The Law Offices of Peter Russo. WHEREFORE, your petitioner prays your Honorable Court to appoint three (3) arbitrators to whom the case shall be submitted. petition, Esq., Esq., and Esq., are appointed arbitrators in the above captioned action (or actions) as prayed for. By the Court, EDGAR B BAYLEY { w - q%. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. : No. 07-847 Civil Term Plaintiff VS CIVIL ACTION - LAW BRUCE ENSOR Defendant(s) CERTIFICATE OF SERVICE The undersigned does hereby certify that a true and correct copy of the Petition for Appointment of Arbitrators was served upon the individual(s) listed below by Regular Mail, Postage Pre-Paid on this day of November, 2007. SCOTT STEIN 3800 MARKET ST. CAMP HILL, PA 170114327 Amy F. Doyle #87k62 / Danie on Philip C. Warholic 6 / ?R. 11 ay #87326 Tonilyn M. Chippie #87852 / Sarah E. Ehasz Robert N. Polas, Jr. #201259 / Ronald S. Canter #94000 WOLPOFF & ABRAMSON, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff W&A File No. 122943374 ar ,p ???. ? -c? X70 00 f ? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 07-0847 CIVIL TERM MBNA, AMERICA BANK, N.A. V. BRUCE ENSOR PETITION FOR APPOINTMENT OF ARBITRATORS TO THE HONORABLE, THE JUDGES OF SAID COURT: David R. Galloway, Esq. , counsel for the PLANTIFF/defendant in the above action (or actions), represents that: 1. The above-captioned action (or actions) is (are) at issue. 2. The claim of plaintiff in the action is $_4,429.85 The counterclaim of the defendant in the action is $ The following attorneys are interested in the case(s) as counsel or are otherwise disqualified to sit as arbitrators: Scott Stein, Esquire & The Law Offices of Peter Russo WHEREFORE, your petitioner prays your Honorable Court to appoint three (3) arbitrators to whom the case shall be submitted. petition, 111t.1&t-txd lizz, Esq., and captioned action (or actions) as prayed for. ;R OF COURT 200 '7 , in copsi are appointed arbitrators in the G EDGAR B BAYLEY Respectfully submitted, David R. Gallo ay, Esq. ?z N - L to LL r , t + C COO0 , El6t ( 544 W 0? MBNA, AMERICA BANK, N.A., Plaintiff V. BRUCE ENSOR, Defendant : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA : NO. 07-0847 CIVIL TERM PRAECIPE FOR WITHDRAWAL AND ENTRY OF APPEARANCE TO THE PROTHONOTARY: Kindly withdraw the appearance of undersigned counsel on behalf of Defendant, Bruce Ensor. Scott A. Stein, Esquire Law Offices of Peter J. Russo, P.C. 3800 Market Street Camp Hill, PA 17011 Kindly enter the appearance of undersigned counsel on behalf of Defendant, Bruce Ensor. NESTICO, DRUBY & HILDABRAND, LLP /,,.,-ot7 !?7 F e By: Scott A. Stein, Esquire Attorney I.D. No. 81738 Nestico Druby & Hildebrand, L.L.P. 840 East Chocolate Ave Hershey, PA 17033 (717) 533-5406 (717) 533-5717 (facsimile) Date: Attorney for Defendant c-> c? -sti - .-- i. ,? i ,,,,, c-1 ._? ? . a-??„ s PALISADES COLLECTION, LLC, PLAINTIFF V. BRUCE C. ENSOR, DEFENDANT MBNA AMERICA BANK, NA, PLAINTIFF V. BRUCE C. ENSOR, DEFENDANT IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA 06-5824 CIVIL TERM IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA 07-3663 CIVIL TERM ------------------------------------------------------------------------------------- MBNA AMERICA BANK, NA, IN THE COURT OF COMMON PLEAS OF PLAINTIFF CUMBERLAND COUNTY, PENNSYLVANIA V. BRUCE C. ENSOR, DEFENDANT 06-2757 CIVIL TERM FIA CARD SERVICES, NA, PLAINTIFF V. BRUCE C. ENSOR, DEFENDANT IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA 07-0847 CIVIL TERM ? i ORDER OF COURT AND NOW, this 2X day of April, 2008, the appointment of a Board of Arbitrators in the above-captioned case, IS VACATED. Maria P. Cognetti, Esquire, Chairman, shall be paid the sum of $50.00. By the oa Edgar B: Bayley, 'Marie P. Cognetti, Esquire Court Administrator :sal 0-10 FY .m.".t Lj1'_ ?12.4/oa ??? ? ?a ?- ? ? ??????' ??? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff V. BRUCE C. ENSOR Defendant NO. 07-847 CIVIL TERM CIVIL ACTION-LAW STIPULATION TO AMEND CAPTION AND NOW come the parties to the above action and request the Prothonotary to amend the caption of this action as follows: FIA CARD SERVICES, N.A. f/k/a MBNA AMERICA BANK, N.A. Plaintiff V. BRUCE C. ENSOR Defendant NO. 07-847 CIVIL TERM CIVIL ACTION LAW The parties are amending the above caption to identify Plaintiff's new name as FIA Card Services, N.A., formerly known as MBNA America Bank, N.A. All references to MBNA America Bank, N.A., in the pleadings, discovery and other matters of record in this action are hereby amended to read and refer to FIA Card Services, N.A., f/k/a MBNA America Bank, N.A. By Scott Stein Attorney ID r 73 840 E Chocolate Ave Hershey, PA 17033 Attorney for Defendant By David R. Gallow y Attorney I.D. 87 6 WOLPOFF & ABRAMSON, LLP 4660 Trindle Rd., Suite 300 Camp Hill, PA 17011 Attorney for Plaintiff Date: , 2008 Date: 0 19 2008 122943374 ? ? ? CA ? ? o ? Q ? ? Qa Qa ad ? .? ?'` ! r r? ?t ?t ? ? j .? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA FIA CARD SERVICES, N.A. f/k/a MBNA AMERICA BANK, N.A. Plaintiff V. BRUCE C. ENSOR Defendant NO. 07-847 CIVIL TERM : CIVIL ACTION LAW STIPULATION AND AGREEMENT FOR ENTRY OF JUDGMENT AND NOW, comes Plaintiff FIA CARD SERVICES, N.A., f/k/a MBNA America Bank, N.A., by and through its attorneys, WOLPOFF & ABRAMSON, LLP, and Defendant BRUCE C. ENSOR, by and through his attorney, SCOTT STEIN, ESQUIRE, who stipulate and agree as follows: 1. Pa. R.C.P. 1037(c) provides that in all cases, the Court, on motion of a party, may enter an appropriate judgment against a party upon admission. 2. Defendant agrees and admits that Judgment should be entered against him in favor of Plaintiff in the amount of $4,429.85, plus costs of suit and interest accruing from date of judgment at the statutory rate of 6% per annum. 3. The parties agree that the Court, upon motion of Plaintiff, may enter Judgment pursuant to this Stipulation without issuance of a Rule to Show Cause, and without further proceedings or notice. By ScottStein Attorney I.D. No. P 7 840 E Chocolate Ave Hershey PA 17033 Attorney for Defendants Date: q 7 - ©y By David R. Gall way Attorney I.D. o.87236 4660 Trindle d., Ste. 300 Camp Hill, PA 17011 Attorney fo Pl intiff Date: 122943374 4Y 3 0 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA FIA CARD SERVICES, N.A. f/k/a MBNA AMERICA BANK, N.A. Plaintiff V. : NO. 07-847 CIVIL TERM BRUCE C. ENSOR CIVIL ACTION LAW Defendant ORDER OF COURT AND NOW, this ZI `day of ?R a+, , 2008, upon consideration of the attached Stipulation and Agreement for Entry of Judgment, Judgment is hereby entered in favor of FIA CARD SERVICES, N.A., f/k/a MBNA America Bank, N.A., and against Defendant BRUCE C. ENSOR in the amount of $4,429.85 plus costs of suit and interest accruing thereafter at 6% per annum from date of Judgment. The Prothonotary is directed to enter and index this Judgment accordingly. ,/ for Plaintiff- David R. Galloway, Esquire 4660 Trindle Rd, Ste. 300 Camp Hill, PA 17011 for Defendant: ?Scott Stein, Esquire 840 E Chocolate Ave Hershey PA 17033 .f ` t?? c'?,3 rrt ?. a l? 122943374 BY THE COURT, ! c !'iq xuvvj 151 IN THE COURT OF COMMON PLEAS OF CUMBERLAND FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. Plaintiff VS. BRUCE ENSOR Defendant(s) COUNTY, PENNSYLVANIA No. 07-847 Civil Term CIVIL ACTION - LAW PRAECIPE TO SATISFY JUDGMENT To the Protonotary: Please mark the judgment in the above-entitled cause as paid and satisfied. Respectfully Submitted, Date: v i5 0 By: David R. Ga 3?Kay #8732 ilip C. Warholic #86341 69/ Robert N. Polas, Jr. #201259 Amy F. Doyle #87062 Mann Bracken LLP / Counsel for Plaintiff Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300, Camp Hill, PA 17011 Telephone: 866-253-0128 Fax: (717) 737-9051 PRAECV/PA176A FILE # 122943374 J61 IN THE COURT OF COMMON PLEAS OF CUMBERLAND FIA CARD SERVICES, N.A. FK A I MR IVA A M eRi 4A A A nY1?j /V, A, Vs. P1 /rri;e BRUCE ENSOR Defendant (s) CERTIFICATE OF SERVICE COUNTY, PENNSYLVANIA : No. 07-847 Civil Term CIVIL ACTION - LAW The undersigned does hereby certify that a true and correct copy of the Praecipe was served upon the individual(s) listed below by Regular Mail, Postage Pre-Paid on VA . BRUCE ENSOR 1024 TEAKWOOD LN ENOLA PA 17025-2046 Vivid R. Gall to 8732 lip C. Warholic #86341 'nrah E. Ehas2 #86469/Robert N. Polas, Jr. #201259 Amy F. Doyle #87062 Mann Bracken LLP / Counsel for Plaintiff Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300, Camp Hill, PA 17011 Telephone: 866-253-0128 Fax: (717) 737-9051 PACERP/PA176A FILE # 122943374 OF THE 2009 SEA' -I V I : l; 0 N 4 8 . oo Po ATry ox -r 4oo7o8 ?,T? a3oo?8