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MELVYN S MANTZ & ASSOCIATES,P.C.
JOEL STEINMAN, ESQUIRE
Attorney I.D. 62042
25 E. State Street
P.O. Box 2284
Doylestown, PA 18901
(215) 348-5200
ATTORNEY FOR PLAINTIFF
MARINE MIDLAND BANK
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
vs.
LYNDA CLARK
NO.97-245-CIVIL
NOTICE OF PRAECIPE FOR
ENTRY OF DEFAULT JUDGMENT
TO: LYNDA CLARK
7386 Wertzeville Road
Carlisle, PA 17013
DATE OF NOTICE: 09-16-97
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED OF
YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF
THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING
AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD
TAKE THIS NOTICE TO A LAWYER AT ONCE. IF :'IJU DO NOT HAVE A LAWYER OR
CANNOT AFFORD ONE, GO TO OR TELEPHONE THE. ,,'OLLOWING OFFICE TO FIND OUT
WHERE YOU CAN GET LEGAL HELP.
Lawyer Referral Service
Court Administrator
4th Fl, Cumberland County Courthouse
Carlisle, PA 17013
(717)240-6200
MELVYN\s TZ & ASSOCIATES, PC
Byf\ '- "\
JOEL STEINMN, ESQUIRE
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, IT IS REQUIRED
THAT WE STATE THE FOLLOWING TO YOU. THIS IS fu~ ATTE~IPT TO COLLECT A
DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
I
PLAINTIFF'S
EXHIBIT
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JOEL STEINMAN, ESQUIRE
Attorney I.D. #62042
MELVYN S MANTZ & ASSOCIATES, P.C.
25 E. State Street
P.O. Box 2284
Doylestown, PA 18901
(215) 348-5200
ATTORNEY FOR PLAINTIFF
JURYI I NON-JURYI I
ARBITRATION/XI
ASSESSMENT OF DAMAGES NOT
REQUIRED
LINDA CLARK
NO. 'i7 - .-.) t(j-
et'A-~{_
MARINE MIDLAND BANK
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
VS.
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 an attorney and
filing in writing with the Court your defenses or objections to the
claims set forth against you. You are warned that if you fail to
do so, the case may proceed without you and a judgment may be
entered against you by the Court without further notice for any
money claimed in the Complaint or for other claims or relief
requested by the Plaintiff. You may lose money or property or
other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO, OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Lawyer Referral Service
Court Administration
Cumberland County Courthouse
Carlisle, PA 17013
(215) 240-6200
THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL
BE USED FOR THAT PURPOSE.
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JOEL STEINMAN, ESQUIRE
Attorney I.D. #62042
MELVYN S MANTZ & ASSOCIATES, P.C.
25 E. State Street
Doylestown, PA 18901
{215 348-5200
ATTORNEY FOR PLAINTIFF
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LINDA CLARK
Defendant
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NO. q?_.l 'I ~
MARINE MIDLAND BANK
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
Plaint if f
VS.
CIVIL ACTION
1.
a place
14203.
The plaintiff is Marine Midland Bank, a corporation, with
of business located at 1 Marine Midland Center, Buffalo, NY
2.
place of
Carlisle,
The Defendant is Lynda M. Clark,
residence located at 100 Lincoln
PA 17013.
an individual with a
Street, Apartment B,
COUNT I
BREACH OF CONTRACT
3. At the written request of the Defendant, purporting to be
the agent of Mary Morton, Plaintiff issued to Mary Morton and
Defendant a Visa and/or Mastercard credit cards, with an internal
account number of 0643 041-73, with Defendant listed as an
authorized user of the account of Mary Morton. A true and correct
copy of Defendant's application is attached hereto, made a part
hereof and marked Exhibit "A".
4. Under the terms of Exhibit "A", Mary Morton and Defendant,
upon acceptance of Plaintiff's credit card, each agreed to be bound
by the terms and conditions of Plaintiff's revolving credit plan
agreement, which renders authorized users of an account responsible
for the account obligations. A true and correct copy of said
agreement is attached hereto, made a part hereof and marked Exhibit
IlBIl.
5. Mary Morton and/or Defendant subsequently used said credit
card and incurred charges in the sum of $3285.35 as of May 8, 1995,
only $100 of which has been paid although duly demanded. A true
and correct copy of a statement of account in connection with said
credit card is attached hereto, made a part hereof and marked
Exhibit "C".
6. Mary Morton has been deceased since approximately 1992
and, notwithstanding the frequent demands by Plaintiff for payment
of the amount due, there has been a failure and refusal by the
Defendant to pay the same or any part thereof.
7. In accordance with the terms of Exhibit "B", Defendant
agreed to pay to Plaintiff a finance charge on all sums due at an
annual percentage rate of 20.9& and Plaintiff is entitled to
additional finance charges from May 8, 1995.
8. In accordance with the terms of Exhibit "B", Defendant
agreed to pay to Plaintiff reasonable attorney's fee if the account
was referred to an attorney for collection, and Plaintiff will
incur an attorney's fee in the amount of $637.00.
WHEREFORE, Plaintiff demands jUdgment against the Defendant in
the sum of $3822.35 plus interest from May 8, 1995 and costs of
this action.
COUNT II
UNJUST ENRICHMENT
9. Plaintiff incorporates paragraphs one through eight above
as if set forth fully herein at length.
10. Mary Morton, the primary obligor on the aforesaid credit
card account, died approximately 1992.
11. After the death of Mary Morton, Defendant continued to
use Plaintiff's credit card account, incurring charges and
accumulating the outstanding balance of $3285.35 as of May 8, 1995,
as is more fully set forth above.
12. Plaintiff, at all times, fully relied upon and expected
reimbursement of the balance of the credit card account from Mary
Morton and/or Defendant.
13. Defendant, in refusing to pay the outstanding balance on
the said credit card account, has been unjustly enriched at
Plaintiff's expense.
L STEINMAN, ESQUIRE
Attorney for Plaintiff
, P.C.
THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL
BE USED FOR THAT PURPOSE.
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COUNTY OF t71Z.1f'
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, states that he/she is
the
of the Plaintiff in the foregoing
action; that he/she is authorized to take this affidavit on its
behalf and that the facts contained in the foregoing pleading are
true and correct to the best of his/her knowledge, information and
belief.
He/She further understands that false statements made
herein are subject to the penalties of 18 Pa.C.S., Section 4904,
relating to unsworn falsification to authorities.
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'your Clld (commolllt ul"rld 10 IIln Aulomll.d.hll.,.Mlchln. or "AlM");
(III1bt....ld.nllllnl 01 C,.d.' Chit"'; ortlvlll JOu h.v. .nOverdllll ,,"Iff','
m.nl....,lhulbyOYIIIl"....'nllh.d.pol"ICUlUnl'Oy."dbylh.I.....lltm.n'
HrCTROlllC fACILITY, Whln ~ou un ~our C"d in.n EllClrolll, fltllll,
Ihlllcelplt Ihl Cud. yOu....IU "e.iv,' R"',lpllhowinl'h. d.ll,lt 01 Ih.
lflnuclioll. Thll rlICIIP\ ....,11 b. '<'Irlllln ,vld.nc. ol....hll you d,d. ,,"ny
Irlnl-le'iollmld..I.nE11C!tonicFIC,l+tYYllllnolb.compl.ltdunl,I,lilptaled
con our lI.ul., bookl.
'lltiE or CREDIT CII[CKS. You un 1.11111'1' L1n. 01 erldil ehlCkl you hlv,
Ol.....,UrHIIY.lvlll.....Plrlon.lehlC...tbul.....don.lhav.,OClflilylh.m,
pi, poll.dat.d eh~ckl or "Iuln canc.lld chec"'llo ~ou. 01 CouIII, Ihu. lon.
'01 Crlllll th.ekl....h.n Ir,"uchd ....111 b.loln. undtr out lOin .llretm.nl.
lub!Hll0.n.lolnl.rmllndcond,1I0nl.
. OVERORMTS. II )'Qv rlllunhd ovtrdllU prlvl1'ltI. w, ....,III.nd yov I,om
~our lOlnt iCcounl Ih. .mounl nndld 10 coyt/ .n, ovtrdllll on .h.
dlll(n.lld defoJI" .ecounl, W. Will 1111'11/" 10 Ih. d'POllltctOvnllh. .mounl
olIn. b,rrdrlll loul'ldld10 Ihl ntlllulldoll.,.W. donol "..d .0m.lI,.
I"nll.r II yOlJ do not hlv, lu!I>c,.nl unulld CI.d,l.y.lhbl. hl/,undtr. In
Ih., c"'I.'h. o~lIdl.1I will bl lubJtcllo 11'1' Ulv.1 Ch.e""1'I1 Anounl ,ulU
Irv.:lllll, under no c,rcumlllnclllh.lllnt luehovlldlltt bt 111OW.d 10 'Hud
your CI.d., lIn.. You Vrld.rlllnd Ih.I....' hlY' 1'0 ob"I.I'on 10 elll.lt ,rlt
,)\e~k t~,11 O..rdrl..1 your d.poH lecounl.nd Ih.,..... h.v.lM "(,,t '1'1 unccl
Ihll }.ecolJnl or your o>lrdutl lOin plI.,IIIUal.nyllm..
RHUSAlS TO I/OtlOR C"ROSOR CHrCKS. W. ,Ipeel m,lIh.nll.nll b.n"'l
lohQflOrlh.C.rd.ndlln.O'Clld,tC,."kl.llo...ntr...........rlnolb.,cIPOn.
I,blelor 'rlt"IUUl or I.dur. to hOnor Ih. Clld 01 a chIC'" ....h.'her l"c'u1l
01. mllch.nl'lorblllk'l.cl,onl, .nllll.rrvpMn In Ih. cOrT\mun'ClI,onl
IYlllm. eompultr mllluncllon, CIWClllllor, or olher clrcvrlll'.ncn blJond
ou,wnlrol,
OHlER USES or THE CARD, II )'our C"d II propedy .neoded, you m""'o
un II In Int Ellctronlc FlCihlt Ih.IICClfllllh. Ctrd lot lunucllonl on )'our
. chlC~lnl or Slvlnl' .ccounll wdh 1.11. ThoU Ir,nuellonl '<'1111 b. luhltcllo
Iht Itrml 01 Ih. ltel,onlc (hnklnl Sl/v,cl1lnlorm.Uon 51,'.menl wh'Ch
)'Ou hlY1 or wlil /leelv.lrom UI.
.:UMITS Otl USE. We'll 1111 youvrrh.1 Jour C/ldit L1n. (m..[mum credll Iimil)
hon Ihll Accoun!. You I':,omlll nollom...... Purehlll or 111.lo,n wh'ch
'fI1:l.1ncr..urourbll.M.o.....ln'lo.n.mounl.lC..dln.rou'Cred.,Llne
If Jeu do IIclld Ihll IImll, you ....i11 P'l VI, II soon IS w.I.1 YOU\lh. ,mounl
01 the UClU. plVI .nt chll,n Ih. .pply. You m't .I~ b. I'bl. lor .n
Ovtrlimil fu II p,ovldld bflcrN. W. mlY t.vleW' how you h,ndl. Ihll Accounl
. 'lId )'Qur (ltclll hlltory Irom 'om. 10 limo ,nd m.y InCrUII. aoeru" 0' unctl
)'~ur Cr.dl' IIn.,
. .wi m'1 .110. flom 11m. 10 11m', IItlbUlh up"." c/Idll limIts 10' lOlnl.
w. m.y hmlt ellher Ih.lOln bal.net amounl or Ih. ptleenlll' 01 your Crtdol
Un'lh.lm.yboffPr.lln,.dbylo.nl.llw.lllIblolh.UPI/l'llo.ntlmll.
.vrr.....lllnolHy,ouln.dvlnc..nd.d...lllyovollh.n.wl.,mllhll....lll.PP'Y.
MOHHlLY STATEMEflTS. W. wlil billrOU monlhlt lor Purch.ttS .nd lo.ns
m,mlr'l11,lhl'lAonthl/S'.'.m.nl.....l1lhOwlh.d.'11I10I,our'ranUCllonl
orJlhll_Accounl..ndlh. 'mounlyouO"", ..
PROMISE TO r'AY. You .,ru 10 ply UI acco,din,lo Ih. IIrml ollhll
'1.Irumenl .nd your Monlh y SII'.m.nl1 lor .ny PurchUt or lo.n m.de b,
reu or b,lnrent ....hern you .ulhO,h.lo un Ihll "ccounl. You .1,,, 'l'lt
10 pt VI .n/lou .nd Imlrle,:1 ottOI ch_'Clllh~1 m.... he du.. ""y",..nl
ml.lJ\ b. IT'Idtln U.S. d'J\I", 0' b,. (hit'" 0' monlt oldar d'.....n on aU,S.
tlr'll! 01 clu"d IhrOUlh. U,S. bin". Wt m.y .eClpl.n p.,m.nll ",.d.lo
r. ~~:Ii; ~ ~~~~~ I~:~I~; '.f ~', ~ I :~r~ ~; .~~:: ~:~~ 1~'1u~~1\~~;y~: ~r. ~,~t:( ~~ ~7
.nt.luch p.,m.nll. we do lowllhoullollnl.ny 01 our rle'lll und.r "thar
l/If, ",(I..mrnl or 'rplictbl.lt.... 10 Collltl.dd,l,onll mon.U....hich m., be
,1!:ldvl.njp'ylbl..
CLASSIfiCATION. II yOlJ hlY' a flud R.,. "ccounl. "'. cl.uilt Pu'chlll1
.nd lOI~I.lrlnSlcllorll for FlnlnetCh"I' pUlponl II 10110""1:
C111I'I:lIyour ""ecounl....notln.d bllort Jlnu,ry 1. 19!11..1I prt March
,1.19111.1.lnllcllonl.
. CI"'I 2: Thl, .ppl'fI (lnlt II you hlY' h.d no IlInuelioM ,.nce Aucu\1 ) I
,'.1962. Jf\ 'I'll' CUft. II co,.rlPoI' Mlreh 1.1961.IIInucl,onlcn,ccr)unli
;:.'CC>fM~ lelo,. Jlnulry I. 19111. Ir>d Illtflrl\..lcllonlO/\ ItCOUnhOCIr>.d .11.,
:J,nvlrtt.1961.
.?;, C\iu' ~. II you hlye hid tIIMHI'MI "nc. ^Ucult )1. 1902. thit Inclvd~1
~"i..'\\ y'~uel,cnl l)lhrl 1I1.r> IhoU In Cl." 1.
'ff," ""lIb1. fll" ~cccunll <:0 rlol hhe upII.le el'"iI,(ll'0l'1110' r,nJnce
511Chlll' ~ulr>9111.
T",~: '../ .
~7!~{ .
:;i;~,)r':' .
\'.:"~ . .
l;~ '
01U[R CHARG[S, You '1'''10 PI, ul Ih,lollo...,rlldddlOn.1 (1""1" ...,..{ h.
....hln Chlll.d, ....,11 b. 10 I,,"el Oil 01' "ure'I'''' POI bon 01 rou' "'((ounl
M.mblllhlp r... Thll,I' ,n Innu.1 M.ml!,"hl"," 101 youl c.n1u/.n,J
"ccOullI wtllch II. .H.pl u ml,olhllw'" IJOIlltlu".d btl...., nOnltfUnll!,lr
lI,ou hlv" rind nil. A(Ulllnl II ...,111,;. 11$ II ~Oll hlv. .V.n.bl. 11.1'
""ccounllt....+Ub.12!l, lIrovr,,"eeovnlwllop.n.donor,UII Ar"l., I'HIII
Ih..nnv.II......+Ub.blll'dl'rtl'llh. ,ndollh'[r(I.,nwtlltll ynuI "r(ounl
hop.nld.ndlh""l1trlnUthl'" Inyour.nnlvlIIII,rnonlh IIIOllI"C
[ounl,,'1 op.n.d prIOr 10 "'r'" . 1968. }OUI .nnu.IMem!JCllhlp .. "'l
bcenL<lI.duch""lIfl,anll..,I1(Onll,,u.,oll.u,lIld,nlhllmonlhIlCIlyU'
lI)'ouhIY.Oltl"lell"'Illbr.I".MAfWl[XT"^' 1.201 ),.III.onlh,p
Ih"PPIOIIII.,.lfl'l,.,.ndlol.HhlUbUQu.nl.nnul""'OIOntCr"l'le,'I:\
,,"ccounl ....111 b. .....IY.d 10 lonl " Ihll rI""onlhlllll In'lnll,,'cd
lilt p"m,nl ChllCt. Anr M,nUllu!l\ f"tm.nl. du.lol lour PurehIUII",j.'n'
lo.nl (Cuh AdvlnCII). .....h,ch I'ou do 001 ml~' Lt 1/1' PIJIlI.nt Du' Ollt
lhown on youI ~onlhl, 5l1"rIllr'llul.'. W. will ell"I' you' llt.ll"",
0111$ II you 1.I,ou, p'rrn.nt beCnll1' mOl.,h.n 10 dil'l I'U
OVllllrnl1 r".11 on Ih. n,II,". 011. 01. Monlh11 SlIl.m.n' Joul Tolll tll...,
g~':,7Ic;"'F~~'~llllt C,.d'l lint LI ~'" 01 mOil, '<'I' ...,11 eh"11 you In
Minimum fln,nc. Ct1ll.'. II Iher. II' FINANCE CliAnGE due on
PurchUl1ln anr blll<nl plllod 01 ,." Ihln ~o COliS ~I ~Ol. you .....i11 be
.u."ed .nd '1'11 lop't' fl'.nutlum FINANCe ClfARGE 01 ~O((lIr'j
tUO)lorlhllllulOd
fORE10N PUIlCtlAS[S MID LOMlS. II you m.....' Purchlle 0111' I LOM
(CllhMy,net) wllh you, C.rd In non U.S. cvrltncr. Mllt.rCud 01 V,".,\
,pplIUbl'.'<'I,llconvut)'our,lunucl.onlnto.U.S, dollar Imoun' CUl/enlli.
Ih. cu".net COnvU,lon ul. uud bt M"IuC"d or V,uIO d.ll/mll'le .ny
lunu(llon .movnlln U,S, dOll." II .ener,II/,I,h.r. ,oy.rnm.nt-m.lld.ted
or.....hol.UI.cvrrtncynl.inellecllhedlyl>eloItJour IInUcllonprocell'l'll
d.I..InCII,Ud bt I~. }.I' ,uull.lh. cu,"nC)' tonv.rlion rill uud on Uch
'"ptcllv. protluin, d.11 bt MlIlIICtrd 0' VIII may dill" Irom lh. ",.
Ih',.....ouldh..... bllnUltd on your IlInl-lcliondll.or your Illl,lT,er'l' po",nl
d.l.. Aftl/ II illtDOII.d 10 UI bt MIIll/Clrd or VIU. w. Ih.n ICQuil' 11'1.
conv.rlldlr.nucllon,mounllnddltclollll 10TOU In U.S. dolltrlon you r
1'1'11 Monlhly Sl",m.nl. W.donolullh' CUl/elley converl'on Ill. nor do
w, ItClIV' .ny porI Ion 01 U.
WTIft[ DAlMlCE DUE. II }OU do nol p,y IIch plrm.nl on 11m. 0' II you
br"~ .ny or I'our othu f,om"" ,n Ihlt AI'llm.nl or .n, ol/ler 'Irumtnl
....,lhul.~out""ecounl'<'lll b. d.hnqu.nl Ind IV' m.t....'lhoul '.110"1 youdtcl".
your.nlll.b.l.netdu.llonCf WtClnlhodolhllll.n,.h,nl}OUIOldUI
In)'ou' IPphutlon lot. C.'d....lvnlru.. II you becom. b.n...rupl ord' ..OnCf
rour .nllll b.llnet b.eomu du. you ..ill hlv. no lu,lh., lllh' '0 m.lI.
Pu,c"nll or 1.llOlnlon Ih'I "'~counl."" no..d IboYI..... hlv. Ih. r'lhl
locofllellh. bll.nCfo...ltllon lh'S ,,"(coun' Irom Ih. Ctrdholder II ....11 II
.ny ""ulhorl,,d Unr.
CtlAIlGItlG HIlS AQREEM(tH. We cln (h'''I.lhil ""I,,,m.nllll"y hmf
rorlnl'lnc.......Clnch.n..lh.,lllorch.'IIIO'lh......IJYl.Compul.lhem
II w. do 10. w.'U nohlt YOll ., lUll 30 dill prior 10 Ih. elltc'... d.l. 01 Ih.
ch.nl' .nd w,lI.dYII' JOu 01 Ih. bml"l.nd ClrcumlUnclI 01 'hi chin,..
Illh.chlnuhlllh..tteclolll'lcrUI'i"lllh.r.l.ollnltrlllorltrY,CfChIIle.
..... ....ill Implem.nllh' ch,nl' onlt vpon cOmpll.nc. ....."h Ih, I.,ml "' 101lh
In Ih. no,Ie.. "'1 our opllOn ,hue lerml mlt 'Ilher: (,) require your ","'
m.nlloIUChch.nl.lnwI+llnlorb.ryou,uuol'h'''ccounlltle''~'.Itf('
11v. dll. 0111'1. ch.n.. or (0) reQUIT' you 10 .dvlle LI in w'llin. wllhln 30
d'rS Ih.1 )'OU do nollCClPllhe ch.nl'. (lht1l III. ch.nl' prOYlllOOI do
no .flPttIO'Ovlln....III.bl.rtl.lCcounIIQUIIltrl!.dlullm.nll....hiehll.
nllorth b.low In d.l'll). Olher....ill. .nr chin.. WI 1 ~a"'l .11"1 .....UhoullC.
lion on )'ovr Pl/I.Il)'oudo no, leClpl." Inlerlll tll.ch'/\I'.)'OU m.(p'y
)'our bll.nCII 011 undu Ih. te,ml ollhll "'rrumenl bul..... m.y lerml".I.
your eltdll lIn. .nd require you 10 "tu,n your C,rdl .nd lIn. 01 Clldll
chf(~I.
CANCELING USE Of TIlE ACCOUtH. We "" unctllhll Accoul)1 ,I.n, 11m..
You m't aho unClllhl1 Accounl bt writln.lo 1.11. 01 coura.. il your Accounl
hcanctl.d, )'ou mull p,yul ,11 rOUO'<'l1 us.lnc!udinl'ny.movnl, nol y.1
b,lIed, On uncell,t1on. you mull.liO "lvrn.1I C"dl .nd lint 01 Clldll ch"~I
w,'v. liv.n r,ou, You ",ill conllnu. unlll .11 lh' Card 1 ."It'urned 10 UI 10
b. '"~fl1lb .Ior .ny PurchlWI or lelnl m.d......llh .nyol Ih. C.,dl. ...helher
by)'ou or 10m. on. 10 ....hom you Ilv.lh. Card.
UNAUTIlORll[Q USE. You m.t be lI.bl. (bul nol in .nyclI.lor rnolt Ih.n
ISO) lor un.ulhOflud Ult 01 your C"d In u.dlllttnuchonl. You....,1I nol
b. hlbl. lor ,ny such un,'hom.d UII. which occurl ,''" you nohr, VI (,1
10U.lh.n Ot POUlbl, unlulhorllld 1.111 ollh' Clld. To noUly UI: ulllolllrll
600 462.1814 or 116,841.4n90 In Oull.lo 124 heUlI/lIy,n dlyl . wlt"-) 01
wrl" Mtrln. M,dllnd Oln.... P,O. 001 12~~. Bull.lo. tl.w York '.240
OHlER DEtlUITS. You are ,110 entitled '<'Illhoulldd,tion.1 ch"I'. 10 Ihe
el'r. ben.IilI."d "rvicII duwbtd In Ih. .nc!01ule wllh Ihl, ....nemfnl.
Pleu. Iud uch one carelul1t 10 deltrm!ne how .nd wh.n JOu m.t ,,"-C
Idv.nh.. 01 IIch '''Vlet In .d~lllon. rou ",.y b. 10"c,:.d 110m I,ml '0 ',m.
1I"...rch.nll.uthoflUdLyul'00U" OUll,OUQUIJ"I",,,,hll.l1,u...J/J'
",...icllwhlehm.,btch"..dd,rtc1It,oyour}.CCou,,1. 10....YII.llrouprelll
nollot.h.dy.nl...ollhllloPPOI.unlllu.youmll.dYIUVlb,uUonl
Ih.lnqvrrlUnumberon'ourb,lI,nlll.ltm.II..nd...e....rld.leleyouln1m.
Iromour 101,e,I.llon"II,
'10 SECURITY ItlTERES7, Ynur ,,"ccount h Unllcured Ind no ucu"lf in'ele'l
undlf.nyo'her'lreem.nl...llh 1.11 UCUIII III pl,mtnl.
UrECTlVE DATE. 1111'111 ,,",rumenl II IN' ne.... Accounl.llt1kll .Utel On
Ih. dill ducribed below.' Ihl' II' 111'1.",.1 or rtpTIC.menl }.jlnm.nl on
.nullllnl A(counl, Ihll "".rum.nltlk,, .Uecllmmedi,telt.
APPlICADl[ lAW. Thll AI/llmenl .nd rour Accoun( .r. lovunld by th~
1....101 Ih. Slit. 01 fle.... 'l'N....I"lle'<'l York"I.1I well U .ppllcl!>!. Ilwlln~
"Iul.llonl ollh, Unlttd St.IH. ....btlhH you Uvt In t.'IW Ycrk or ull )'Ollr
Account In fltw YOlk. UUtd on rour Cttdll.Allpllcltlon IAcctpl.nct (trlil'Clte
Irlnlmllled 10 vi In tllw Yo'~, we 11Iv' ultndld cltdlt 10 JOu Itom tle.... Yor~
.ndlhtrIIOlllhll.Ar:tnmtnlll.nl'rtdlnlobclw..n)'ou.ndv'lnl/p.....yclk.
In Iddlllon, your Clrdll)lre luued l(l }OU b, UI Irom UIW ycr.... U Ir' )Olll
MOlllh!1 OWl'll SlIltrMnh, tlk!....IIf. 1'0u .re dlllclfd 10 IInd JOu, C1.,rTlfnh
.nd Inycortllporld.nc. 10 VI In Ihw YOf.......hlch I. I'Ih!re our hudl1uHltfl
IndlllvIClclnltru.loClI.d.
J
PLAINTIFF'S
EXHIBIT
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RETAIL INSTALMENT CREDIT AGREEMENT
'OTlCE.TO THE BUYER: 1. Do notslen Ihlocrodlt. ,o.monl b.lor. you rud
or Il"lt cont.lnslny blink Splet. 2. You." entU'.d to I completely "lied
copy of thIs credit Ilrumenl. . ..
JRCHASES, Thl.,.lh. pori ollh. Alroomenllh.l cov." your Purch....,
lhil.I" n.w AccouOl,1t do.. nOII.,e e"ecl until you lirsl u.e your Cord
m.~.. Purch... .nd you ore nolll.bl. if your Cord I. losl or .lol.n .nd
..~ b,lor. Ih.n,
'OIDING FINANCE CHARGE," you p,y lor III your Purch.... In lullovory
. Inthr you can '\lold any Fin,nce Charae on Purchases. In .ddition, there
'0 F nlnc. ChltilJ lor Iny month it: (1) you start the month wllh Purchases
,,,lous B.I,nce(l) of uro; or (2/ your p.ymenls and credIts lor Purchases
J.t lUst IS much IS the Imoun of the PrevIous Olllance(s) It lhe begJnnlnc
Ih. monlh. .
IMPUtiNG FINANCE CHARGE. In .ny monlh whon you are lubjecl 10
NANCE CHARGE, w. IIcure It on .n ,,"'c. d.lly b.l.n" b..i..
, YOU hive' Filed Rale Account, you m.y have more Iha" one Purchases
.nee' .nd we then figuro It separately lor each such balance pursuant to
. 101l0winC: if ~ou open.d rour Accounl .lIer J.nu.ry 1. 1961. you h.ve
I ono Purch.". b.l.nce. twill b. eilher CI... 2 or CI... J, if, however,
Opened your Account beloro J.nuary I, 19BI.lhere will be one b.l.nce
. Inylndeblednoss oul.landlnr on Purch.... med. prior to March 1. 1961
IS' 1). and. uparete bel.nce lor any indobledne.. oul.l.ndinc on Pur.
. u. m.de on or eller Ihal d.le Cellhar CI... 2 or CI... J), 1/ you h.ve a
i.ble.Rate Account. you m.y al.o h.ve mo,elh.n one Purch..e. b.l.nce.
.'
."
Here's how we eel an .yeraee daily bal. nee for I Purchuu balanco:
(1) We sl.r! wilh the Previous Balance lithe baSinnin&: ollh. monlh.
(2) Then lIeh day WI add new Purchases ,nd olhor debits and sublract
payments ,nd other credits. uch II ot Its Ietu.1 date unless we ellct to use
Ilaler dall,lI such .ctu.llt.nUtllan date is unavailable to us or took place
In II prIor billina perIod.
(3) We .dd up the dilly bll.n,es lor Ihe month and divIde by lh, nurnber
of days In the month. Th.1 Kivu us Ihe Iverage dolil)' balance (shown on your
staloment IS .. Finance Chitrao Ba/ance).
Then, II you have I Fixed Rala Account, we multiply uch .vorace dally
balanco by tho approprlillo Perlodlc Rolle as follows:
Monlhly Corr,spondinr ANNUAL
"P' 01 BlI"" P"iodic R.I. PERCENTAGE RATE
CLASS 1 1.5000\. Filii 1500 18\
1.0000\ on [xcess 12\
CLASS 2 1.5000\ on
[nlin B.II'" 18\
CLASS 3 1.6500\ on
[nlin Bllance 19.80\
. '[ICE: See r~verse .Ide lor Important Inlormatlon regarding your rights to dispute billing errors.
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RETAIL INST,\L/.IENT CREDIT AGREEMENT (Continued)
.lfyou have a VJriablo Rate Account. WI multiply the ,veral:e d"lly b,I!JflCe
b1' monlhly Period'c R.I. correspond,ni lo.n ANNUAL PERCENTAGE RA IE
: 'whlch 1",11 b. d.lermined .nd 1",11 vary as lollows:
.Th.lnili.1 ANNUAL PERCENTAGE RATE .nd ,niti,l Periodic R.le
'Y'ill b.lhe rltel IIllorlh in Ih. .nclosed flATE OISCLOSUflE whrc~ 'I hereby
Incorporaled inlo Ihil ^Brumen!.
. Th.tlnili.1 ral. il delermined by .ddin! B.9% (B90 basil poinll) 10 thelnd..
Rato for the current calendar ~uarler. The InHfal Periodic Rolle is determln.
.d by dividins th. ANNUAL PERCENTAGE RATE by 12.
. The Index Rate lor the current and each subsequent cale"d3f Quarter is
thl monthly average al/ored ral.ln the ucondary markellor J.monlh Cer.
tificates 01 DepOSIt. for the nut month 01 the prior c.lend,), qUJrlcr, as
. published in Federal Reserve Statistical Releue C.IJ.
i TM ANNUAL PERCENTAGE RATE ond Periodic R.I. will ch.ng. on Ih.
opening dayal the lint billin, cycle In each ulendar quarter to rellcel directly
chlngn in tho Index Rale. f your payment due dlte Is latc in the month.
',I'I,aller th,e 25th, In some calendar Quarters your rate change date may
. be in the beginning olthe second month 01 'he quartor. There are no limit;jtions
"9~ Inm.... 0' decr..... in Ihe ANNUAL PERCENTAGE RATE. An in"'...
may resull in J higher monthly minimum payment or J smaller portion cf the
payment being atJocaled to pflnclpal.
II, as'a result 01 any adjuslment, the rates or chaf1'!s to be made would
exceed maximums liJed by applicable law, such ratn or ChiHges shall be
reduced by the amounl necessary to bring them Wlthl't permitted limits.
Thil Siv'l u, the FINANCE CHARGE lor Ihe rrotllh lor th.1 b.l,nce.
MINIMUM PAYMENT. Your monlhly minimum p.ymenl ""Purch.... illigured
on Ih. 101.101 your Purch..., New B.I.nce\,) as oll~ Billln! o.te. IIlhi,
10"I..ceedI136O, 1/36 ol,t" du.. II Ihil to" i, Irom 11010 IlGQ" ",inimum
01110 II du.. IIlh. 101.1 il 1.11 Ih.n liD, the lull 'm_1 il du.. II, because
01 unusual 'Cli"i!y, the FINANCE CHARGE due is IIf'('!t than Ihe current
minimum ligured as above, only Ihe amounl olthat FlmtK:E CHARGE is due.
Of course. you must also pay In any month eilch amo~ \6Ihich is PHt due.
In .ddition, .ny OTHER CHARGES duo .. 01 th.1 ,1.lom.nl will be .dded
to your minimum payment and will be payablo in lulL
COLLECTION COSTS. You osr.., i1lh. .nli" b.l.nce is declared due, 10
pay our colleclion costs including, if we reler the ClSe l& IIn aHorne)', a
reasonable altorney's lee not e.ceeding 20% 01 the amounltlue and payable.
You (the Buyer) may at any time pay your total Purc.hnn Indebledneu.
If you have a Variable Rate Account, we multiply the resulting daily balance
by. d.ily Periodic R.t. corr..ponding to an ANNUAL PERCENTAGE
RATE which will b. d.termlned .nd will vary as 10000ws:
Th.lnitlal nomin.1 ANNUAL PERCENTAGE RATE.ncI inilial Periodic Rate
will b.th. rates ,etlorth in the .nclosed RATE OISCLOSURE which il hereby
incorporated into thi, Agreement.
Th,llnillal nomln.1 ANNUAL PERCENTAGE RATE i, d.lermin.d
by adding 8.9~' (890 basis points) to Ihe Inde. Rate 'Of the current calendar
Quarter. The Initial Periodic Rate is determined by dividing the nominal AN.
NUAL PERCENTAGE RATE by J65,
Th. Index R,te for the cvrr.nt and each ,ubsequ.nt calendar quarter i,
Ih. monlhly overag. ollered rat. in th. secondary I1IJrketlor J.monlh Cer,
lIficates of Deposit. for the first month of the prior calendar quarter, as
publi'h.d in F.der.1 Reserve St,tlltlcal R.la". G-ll.
Th. nomin.1 ANNUAL PERCENTAGE RATE .nd Periodic R.I. will ch.nge
on the opening day of the Iirst billing cycle in each calendar Quatter to direct.
Iy roltect changes in the lode. Rale. II your payment due dale is lale in the
month. e.g.. alter the 25th, in some calendar Quarters)'Our nte change dale
nl03Y be In tha beginning 01 the second month oflhe quatter. There Dre no
limitations on increases or decreases in the nominal ANNUAL PERCENTAGE
RATE. An increase may result in I higher monthly minimum payment.
Application 01 the Periodic Rate determined as abo'tl gives us the Periodic
R.t. FINANCE CHARGE lor Ih. d.y, Then w. .dd up Ih. d.ily charges 10
g.t the periOdiC ra" porlion 01 your FINANCE CHARGE lor th. monlh.
TRANSACTION FEE FINANCE CHARGES. For ..ch Loan (Cash Adv.nco) Ih.1
you obtain \bY Automated Teller Machine (ATM), checklnd over.the.counter
slip) we wil charge you I Transaction Fee of 2", 01 the ,mount 01 the Loan,
lubloct to. 11 minimum .nd, SID mnlmum I... Thill.. II . FINANCE
CHARGE .nd will b. includ.d with the Periodic R.I. FiNANCE CHARGES
when w. delermln.th. "tual ANNUAL PERCENTAGE RATE on your
Monthly Slatem.nt, (Ther. will b. no Transaction Fe. chars.d lor llerOlling
.ny overdralt Loan prlvileses,)
COLLECTION COSTS. You aire., i1lh. .ntlre b.l.nee is deelll.d due, 10
p.y our actual collection COltl including, iI we reler Ihe cas. to.n 'ltorney,
, re"onabl. .ttorn.y's Ie. .nd .ny applicabl. court COltl.
LOAN AGREEMENT
. LOANS. Thil p.rt 01 the Aire.m.nt covers your Lo.nl. It t,kes .IIeet when
. t'U lirsl S.I . Lo.n. A Lo.n Is m.d. wh.n w. po It It to your Account lor ,
In. 01 Credit chock or overdralt{ bul "olltl "tu.1 transaction d.l. lor ·
c.alh .dvanco, Includ.d in the d. Inltlon 01 Lo.ns under .ppllcabl. It.l. I.w
ere luch iteml" .limony .nd child lupport, b.IUbond p.yments, cou,t COlts,
. 'chlllt.bl.,.poiltlc.al.nd reliilou, contribution I, l.g.1 s.mbllng tran,actionl,
lott.rytlcketl, money ord.rs, tn paym.nt" trav.lerl cheek, and wire
transfers.
MINIMUM PAYMENT, w.lirst lisure the minimum prlnclp,1 p,yment/or the
. monUi, W. do thi, by mUltlplylnj th. tot.1 01 your Lo.nl princlp.1 b.l,nce(l)
II 01 tho 8i11ins 0." by 1/601h, For ."mpl." 1900 bal.nce times 1/60 equ.11
:.116 p.yment. W. th.n .dd lh. Fln.nce Charses .nd .ny L.te Charges/or
.th. monlh.lllh. resultlns Iisure i, Ie.. th.n 110, the minimum p'yment will
.b. SIDor th. b.l.nce outll.nding i1lellth.n liD. 01 cours., you mUllal'o
~ay each mentn'any amounlthat Is put due.
. .COMPUTING FINANCE CHARGE. Fin.nce ChllS" on your Lo.nl b.l.nce
ar.e. determined by applying a Periodic Rate to a daily principal balance and
. by Gpplicalion 01 appropnate Tr~nsaction Fees, ThIs is done as described below:
"'PE'RIODIC RATE FINANCE CHARGES. W. figure. (periodic role) FINANCE
CHARGE eilch day on each Loans principal balance lor Ihnt dny.
.If you have J Fbed Rale Account, you may have more than one such Loans
.principal balance. If you opened your Account on or after January 1, 1981,
you,havlt only one Loans balance. It will b~ either Class 2 or Class 3.11, however,
you opened your Account before January 1. 1981, there will be one principal
balance lor any indeblednets outslanding on Loans obtained prior 10 March
'1. I?Bl 'Class 1), and a separate prinCipal balance lor any Indebtedn!!s
. oulstandlM8 on Loans oblained on or aller thai dale (either Class 2 or Class
3). ,II you have a Variable Rate Account, you may Ilso have more tl'lan ona
Lo.nl'prlnclp,1 bal,nce.
, To gel a daily prinCipal balance, we start with each opening principal bDlance
lbr th. day. We .dd n.w Loon, .nd olhll debits polled and ,ubtract p.ym.nts
and olher mdit, po'l.d th.t d.y to thaI b.lance, "ceplth.l. c.a,h advance
10.n"h.lI.be FOII.d" 01111 oclu.1 date unl." w. eloct to UII .I.ter d.t.,
IIluch Iclu. tranSlctlon d.t. il un,vallabl. to UI or took pl.ce in . prior
blnlns period.
Th.n, II you h,v. . Fixed R.t. Account, w. multiply ..ch ",ulling d.i1y
~'I.n'. by the .pproprlat. Periodic R.t. " lollows:
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Cotfcspondinr
Olill Pe,iadie HomlnJI
RII'MEnlire ANNUAL
.Tlpe al BII",. Bllance PERCENTAGE RATE
C\,\SS 1 ,03287\ 12\
CLlSS 2 .01931\ 1!\
CLASS J .05421\ 19.80'l.
Cafdholder Agreement signed lor the Oank by
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YOUR DILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE,
Thl. n,lIce conl,ln. Imoorl.nt In/"m,lIon ,bout your rlehl. ,nd our resppnslbllllles under Ih. F.lr Credit BIlling Act,
Nollly Us In CII. 01 Errora or QUllllon. About Your Bill
II you Ihlnk your bill Is wrong, or II you need more Inlormation about a
tranSlctlon on rour bill, writ. us on , Slper.t. sheet at tha address lisl,d
on your bill. Wntolo us IS soon II possible. We must hear Irom you no laler
th,n 60 d.ys a"er w. sent y,u th. lI"t bill on which th. error or probl.m
.pp..red, You can t.l.phon. us, but doing so will nol preSlrv. your rights,
In your I.Uer, glv. us tho 101l0wlngln/ormation:
. Your name and accounl number
. Th. dollar amounl olth. susp.cted .rror,
. DlScrlb. th. error ,nd upl,ln, II you coni why you b.llev. there Is an
error. If you need more Informal/on, deser be the Uem you are nol sure
about.
II yOu have aulhorized us 10 pay your credit card bill aulomaticolly Irom
your savln~s or checklnglccount, you can SlOp the payment on any Imount
you think IS wrong. Tn stop Ih. payment your leller must re.ch us three
business d.ys b.lore th. ,ulom.lic p.yment Is sch.dul.d 10 occur,
Y,ur Rlghls and Our Responllbllllles Aller W. Recelv. Your Wrlllen Nollce
W. musl acknowledg. )'Our leUer within 30 dlYs, unl.ss w. h.v. correcl.d
tho er,or by Ihen, Within 90 days, w. must either correcl tho error or ".
plain Why we beli.v. Ih. bill was correct.
A"er w. recelv. your leUer, w. cannoltry to collecl.ny amount you ques.
tlon, or report you as d.linqu.nt. W. can contlnu. 10 bill you lor tho amount
you Queslion, Includlnslinanc! charges. and w. can apply any unpaid amount
1811nsl your credit limIt. You do not hive to pay Iny quulloned amount while
w. ore InvesUeaUng, but you are stili Obligated to pay lh. parIS 01 your bill
Ih.t ,re not In question,
II w. Iind th't w. mId. a mlstak. on your bill, you will nol have to pay Iny
linance Charges relal.d 10 any queslloned amount. II w. didn't make I mistake,
you may hlv.lo pay linance charglS, and yOU will hlv.to make up any mlsseo
payments on the QuestIoned amount. In either case, WQ will s~nd you a stale.
ment ollh. Imount you owo and th. dlle that it Is due.
II you lall to PlY the amounl that w. think you ow., w. may report you as
d.llnqu.nt. How.ver, II our uplanatlon dOll nol Sltlsly you and you writ.
10 us wilhln t.n days t'IIIng us Ihat you stili r.luSlto p.y, w. musltell .nyon.
..,. reporl you 10 thai you have . question about your bill, And, w. mUSlt.II
you Ih. name ol.nyon. w. reported you to, W. muslt.lllnyon. w. report
you 10 th.t the mailer has bien setlled betwlen us when It linally Is,
"w. don't follow these rules, w. can't coli eel Ih. 1i,,1 S50 01 Ih. questlon.d
amount, even if your bill was correct.
Special Rule for Credit Card Purchases
II you have . problem with Ih. quality or property or servicu th.t you
purchuld wllh,l credit card, .nd you ha....e tried In lood faith 10 corflct th.
probl.m with the merchant, you m.y hlv.th. right nollo plY the rem.lnlng
amount due on tho property or services. There Ire two Iimlt.tions on this
righl:
(a) Vou must have mad. th. purchas. In your home sl.t. or, " nol within
your home stale, within 100 miles 01 your current mailing address; and
(b) Th. purchas. pric. musl have bien more Ih.n SSO.
Thes. limitations do not .pply" w. own or operal.th. merch.nl, or" w.
mailed you the adverlisement lor the properly or services.
Mlrln. Midl,nd Bank
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CAHDHOLDER AGREEM ~ Dot MillO' tJ.dlJnd Clllt"
Oull.lo fU.. Yod. 1'10]
GENEUAL HUMS
~- ~_._.'
.',
,l,we JB ~~ II,. j.''U
MIMe M"ll'lld [hr\k ill
)j,ffl,IUDCC......
.AORHIHNT.Al1ll PAnTIES. Th.tlllh. "Irumtnl Hili (o~tr. your elld,\
(ud..ntlllf11 0' Cred,1 {~\t,kt IIIu,d bfMwrol ""dl.nd U.nk, lilt ....o'd
"Cud" filII I 10 buill Mull,Clul .nd VIIt urdl, "You" end "yout" "t"
tolh.p.non(.IW)koo.....nlllh. "CudhOldfl")....hoUnlln..ndhldr..'
.,lrtll'l\ldOnlht ,nttolulllh.1 hollS' you' C"d(I){"lh. EnClolur,",.nd
,1100 10 In1 plf,on you lulhod.. 10 \,IU Ih. Cud Ind ....ho 1111'11111.110 known
.t \1'11 ""uthorll&<! Vu,"}.ln .ddll~l'Ilo Ihl C.,!Shold., Iny ,uth ,lultlOlIUd
UUtth.ll.IIOb.fUPOnllblttOPlflormlh.l"mlol\h.,,,,,um,fll, Ihll
. lo,r"<1\.nl m.ylhU.tollb. .ntolced '111nll you 101.lher 0' ,.p".I,I,.
."W.," "0111" Il'Id "UI" r.l., 10 Ih.lI.nk. lh. ....old ",A,ctoul'll" lIud .ton.
mllnl)OUlcomtlln.dPllrth."I'l'Idlo.nlICCOVl'ltl.lh.CntIOllllllllpili
ollhll...'rfltn.l'Il.ndlhouldb.hpl....,lhlt,
TIP[ OF ACCOU~H. It r;v cl'()lI' VI/i.bl. RII. kcounl in ....h,(h Ih. noml".1
Annuli fl'H,nlll' III . il to ch'"I' II d.HrllJ.d b.lo...... Ih.III 1"lt'Cll.d
on III' Enc.IOWII, Ollier....II.. Ihll ill Fu.d Ihl. "ctovnlln which Ihc Annu.1
.P./tlnll'.A.I.....,llflOlmIU,."mllnUnChl"'.J.
PURCtlA.SU. You (In VII yovr Cud 10 pvrch.II,O(ldl ."d ,,,...ictl hom
,.n.t muclllnl whO honot! Ih. ~UI"Clfd or V,lI Clld yov h..... W. will
.ddlh..",ovnlo,th.pvrCh...IOlh.f'urthUflllorIlOno,you,,,ccovnl.
.'11 you hIV' .IHI.d 10 buy IIOUpC/.dlllll., dillbllll)' .nlJ unomploy/ll.nl
IflIUllnt. lhrovlh 1.11,"" w,II.IIO .dd Ih. .pproprl.t. chUI.\I,...han
'Wlle.bl..
lOAllS. You un obllln lOIM: (I) by UI(".lh. C.rd to ,.1' Cuh ,Ad....nce
.I.nyb.nk dIIPI.\,n,. Mul"Card 0' V.I' .I,,,,lIk.lh.lan rov, Clld;l"}
bYI.lllnlyourC.'Ifd n.nEI.clron,cF.Clhlylh.lhttlC'flUpablh )'.nd}ec'~!1
yovr c,rd (commonly r,ll/lId 10 u.n Aulom.l.d, Telltr.Mtthln. or ,ATM');
(Ib) b)' wlllin, . lln' 01 Cr,dll thICk; or (1...)11 you h..... In O....rduU ,Alru,
m.nl wllh UI b)' o...trdr'lIlln, Ih. dlPOI11ICcounl co...."d by Ih~1 A"umenl.
flEC1ROtilC rACllITY. Wh'/l yOUV1l you' Card In.n Eltel,onic Facll'IY
Ihl\'ICC.plllhl Clld, you ....,11 FI(f...... R.CI,lpllho...in,lh. d.l"ltol Ih.
IlInllellon. Thllllec"pl Will b. w,llI.n ....ld.nCl 0' wh.1 you did. An.,.
lm\1.Iellcn rr,ld. "'11 EI,,'ronk ftcihl)'wlll nol b. complel.d unlllllll poll,d
.onoufn,vltrbookl,
'wit 0' CRECIT CHECXS, You un ulllh.lln. 0' Cr.dit ch.ckl yOU hive
or'tl'l:l rlC"~'IVII Ilk. p.rlon.lchlC!l1 bul w. den'l h.....to urlll)' Ih.m,
PI)'DOll.dllldCh,cklorlllv,netnc.l.dch.CkIIOYOv.OICOVfU.lh,ulln.
'cr Cr.dll check.....hln lunnel.d Will b.lo.nl ufldtf our lo.n A,'um.nl.
5ubJICl 10.11 lOin Itrrnl Indcondllionl,
. O'JEROR.AFTS. II )'Qu ,.Qultlld c...udrttl prl...il'IIt, w. wIn I.nd (OU Irom
)'Our lOin' "covnllh. Imounl nud.d 10 co...., '1'1'" o...ttdllt on Ih.
dUllMltd dercllllCc.ovnl. W. ....llIlnn't" 10 lh. dlpollllCeovnllh. .mounl
ollh.b'/trdllll roundldlolh. nulluUdolltr.W. donol nlld lom.k..
IrIMIIIlIyoudOllOlh.....IUtlICllnIUnUlldCr.d,I.....It.bl.hU'vndtf.In
IhIIClIIJ.lh.o...erdttll....,l1b.'ubjtcIIOlh.UIUIICh.Ckll'\'ACCOu"lrulit
..r.dI..I.undtrnOClleumlllnCltlh.ll.n)'luchO...trdr.llbe.llowldIOtlCud
your C,.d.I lIn.. You undlFlI.nd Ih.1 WI h.v. noobll..lIon toeerlll.,. .n.,.
.rhecklhIIO.tldl.....'you'd.pollltceOUnl.ndlh.I....h.....IMI'lhllou"cel
Ihll ,A."ovnl 0' ~our O...l/or.IlIOln pn""I'lu ,'.nytlm.
nEWSAlS TO HOIiOR CARDS OR CHECKS. W. up,c1 m,f(hanll."ll blnkl
lohonollh,C.rd.ndlln.olCf.d,I chlCkl.llo....lltr ..... will nol b,rCIPon.
Ilbl. lor In1 I.tulll 0' I.dufllo honor Ih. C.rd Of . check wh.lh.r to.Clull
01 .1t'.ereh.nl'l 0' b,M'IIe\!onl,.n Inl.rruP\!on In Ih. commu"'Clllo",
Iylllm, compul., mllluncllon, cluicalllfor, Ot other cllcunut.ncu ll..,.ond
ourc.on\fot.
01l(ER USES OF TilE CARD, U.,.ovr Cltd II propuly ,ncooed, you m.y .Iso
uullln.n)'EI,clronlcfacihl.,.lh.llCctjllllh.CtldlorlflnuclloflIOIlyovr
thlC~ln, or 1I...lnll .eeovlllI wilh UI. ThOllltlnuclionl....ll~ b. IVtJ!ecl, to
'Ihl luml 01 Ih. lethonlc Dln~lnl Ser...ic" InlOlm.lIon SI.I.m.nl ....hlCh
y6u h.ve or will neel.... homul.
. . WilTS ON USE. W.'l11tU yOU .....h., yovt C"dil Un. (mulmum cr.dll limit)
'11 on Ihll Account. You promh. not 10 m.k. I Purch... or,.1 .lOln ....hietJ
\l<llIlflcrllll your b.t.net Qwinllo In .mounl ueudin, rour Ct.d,lllne.
lIyoudOtlcud Ihll IImll, YOUwlIIP'rU1, II loon II w.lll,you,ltJ. .mounl
C;llh. UcIII, plul .ny chit'" Ih. .ppl)', Yov m.)' .110 b. I.bl. lor.n
O...erlimi\ fu II pro~ld.cI b.lOV>'. W. m.t ,....l.w hm...you tl.ndl.lhll ^ccoufll
. .pd yovr crldl1 hlltory 'rom lim.lo limo .nd m.)' IneruU, Jocru" Of unCi I
y~ur Clld,1 lIn'.
. -WI m')' 1110" 110m 11m. 10 Uml, ultlJlllh IIPlfll' crtdll limlll lor lo.nl.
W. mlY limil ,Ithu Itl.lo.n bal'net.moun! or Ihe percenll.e 01 your Credll
lIn.'h.1 mlY be tepltunl.d b)' lo.nl.1I w. uhbhlh. "Plnl.lo~n timl\'
,WI Will "ctll)' .,.OU In .d....net.nd .d",I" you 0' Ih. ntw IlImllMI wl:I .ppl)'.
MONTtllY STA1EMUITS. W. will blllrOU monlhl)'lor Purch'''I .nd lo.nt
Pl,m.nll, Thh Monlhl.,. SI.l.m.nl ....11 show Ih. dll.nl 01 you, r It.nllClionl
0'" Ihll,Accounl, .nd Ih. .movnl )'ou OWl. "
pnOMISE TO PAY. YOu 'f'" 10 ply UI ICcOldln' 10 Ih. I.rml or Ihll
'~rumenl.nd your /,lenlh.,. Slll.m.nlllor .ny Purchn. or lo.,., m.de by
Iou er by Inyone whom you .ulhorll, 10 UII Ihll "ceounl. You .1'0 .,rn
a ~IY Ulln'( tnlll,.,d I'''I''''~' olter ChJfC"I":.1 mlt I" du'. P~)'m~"I,
mu.S1 bl mlrllln U.':>. d?\ltrl ot bt . elite'" 01 IT'onlY Older df....n on I U.S
bin"" er tturld Ihroul" . U 5, b.II"', W. "'Iy .ct,pl'U Oly",.nll mid. 10
yallr ,A.ccovnl, Inclvdin, pI/U.1 pl~m.,.,tI, 1.1' p.ymlnll 0' p.ym'IlU Wllh
IIlltl<.1I.' Ot llull"r1n. hfml, luch II "plrm.nll,., lull". HCWlvtr, II Wit I(ClOt
11I)'.lvch p.ym.nI1,..... do 10 ....llhovllosln'.nyol our rl~hll under "Ihtr
IhlIAI'um."IOt./'IPI.ctbl,llwtocoll.tl.ddl!IOnllmcnl"....hlchm.'b.
ItllI du. .nd p.y.ble.
CUSSIFICAT10rl. II )'OU hi..... flud R.I. Accounl, w. cluSil)' Purch.UI
Ind lOJnS IlInll(lIonllor FIl'llnt. Ch.r,e OUlP0111..,ollo....I:
Cln'l: ilyour ,A.ccounl wll op.n.d b.lor. J.nulry J. 1901..11 pre.M.rth
1.176I,llInllellonl.
.'Ch'12:Thil.ppl:uonlfifyouh.vlh.dnolrlnucIl01llIince Autull 31,
;,.lllll2.Il\lhIICHII,J\CO...trIPOSI I,\lrch 1,1901.lfln1lel,onlon.ceounI1
)/OPlllldteIOftJlnuu.., 1.1961,lnd .nlrln1.lellonl0nlCcoul'llloD.n.d.ller
.. Jfnulry I, 19!1L
~.clhi:t.l1)ouh''''lhldll1nIlCliOnssinet^utuSI l1,IIJ02.lhllincludtl
:..\:.-..ll-yt~'tcl,onlol/ltr lhlnlMn In CI." 1.
,:~' VIII.bl. R.,. Accounll donol hlv.sePtr.I,clll1II.Cllionllo, r,n~nc.
H~Chtl"flVlPQ""
1 "..'/ .'
- fth~ '
,(~",Il'," .
"flY'
'\':t"
OHelR CtlARGES. You ,,'"10 pJ)' Ullh. 10110WIf'i,,(1d"IOnJI Chll'" ....h.'Il.
....h.n th.rl,d, ....111 b, lel.clld on Ih. PurchUII portion 01 you, Accounl
Mlmb.tlhlp 'U, lh,,. II In .nnu.1 ~,mblHhlp Fit 10f )OUf Ctrd(III"<1
,lccounl wt\lCI'lII, ..uplll mlt olh,rw,..I~ ItQulf.d b)' I....., nont.lund,bll
II you h...... find R.I. Acc.ovnlll...'U b. 11!1. II rov hlv" V,Illbl. 11,1.
,lccounlll Will b. $2!1. II your A((ounl W'l op.n.d on or .ll., ,ApfI14. 19M.
Ih..nnu.IIIlI....lllb'llllledl,fll.llh. Indollh'CYCI"l'Iwhlth,our ",c(ounl
II op,ntd .nd IhulIUtr III tlth IUI In yOllr .lIn'....r Slry I'Ml'Ilh It yOUf ^(
cnunl...... op,n,d pllOf 10 Ap,,1 . 1960. you' .nnUII M.mbt"hlfl In""
beenllllildIlCh,APrll.nd....1Ucontinvlloll.b,".dlnll"lmonlh.HhyUI
11 yOu hi.... ot tleruUtr IIllblilh. M,A/lltl[XTR,A,e 1.2 or J r.I"lonsh,p
Ih.IPPfoPIIII.IIlIII.I.nd/oruChIVbUQuenl.nnu.,lulotOl'lltf.d>IClrd
Atcounl....ll! b. .........ed 10 to". tt IllIt rel.llonlhlp II m"nlIIMd
l.l. f.ymenl Ch.r,l, An~ M,nimum P'rm.nl. du.lor your f'vrch'"llr"tror
lo.nllCnh Ad....ncll). whlth you do 1'101 m.k. b.,. lhe P.ymenl OUI 0.1.
lhown on your Monlhly51.I.menll' t.I., WI ....111 ctltrl' yov, l.1t Chl',1
01 U~ II you III )'our p.ym.nl bl!com. mOf.lh.n 10 dlySIII..
O...."lmlt ,", II on Ih. 01111'" 0." ot. Monlhl)' SI.lem.nlyou' 10111 II...
g~~"~I~lt'F~~'~11 as.' Cr,dllllnl IJ)' !I~ 0' molt. w. Will (h"" you .n
Minimum flll.net Chltlt. II Ihtl. II . FINANCE CHARGE dut on
PllfthnU In In)' bllhn, period 011,11 lhln ~O CE~HS (1 !lO). you w,lI be
,,,"ud Ind 'Cr.. 10 PI.,.' minimum FINANCE CIIARGE 01 SOC[tITS
($.~O) lor 11'1.1 ptrlod,
'OREIGt~ PUIlCHASES AND lOAllS.1I ~ou m.k.. PUlchlle Of 1.1. lo.n
(Cllh Ad....nce) wIlh your C.trd In non.U,S. Curnncy, MIII.rCud or VIsa. 11
,pphubl.. Will con...el1 your,lflnucllon into. U,S. dollu .moonl. CVlltn1ty,
Ih. cutnncy con...ellion nl. used b)' Mnl.rC.rd or VIII 10 dtlt/mIMln.,.
If.nuc1l0n .mounlln U.S. dollar I 11 "fI,"I1)' tllher . 'O....fnm.nl.m.ndJltd
o,whol.ul.eulr.ncyr.lein,lIecllhed.ybclOl.your flMlctlon plOC'l\lnl
d.I"lncruud by 1~. AI, Inull.lh. cvrlency con""rllon ull uud on ucn
r"pICII.... proc,,,lnl d.le b.,. Ml1lerCud or ViII mlY dlller Itom Ih. r.ll
Ih.t....ould h..... bUfl uud on your Ir.ns.actlon d.I' 0' yovr 11.lImenl P01U".
d.I.. Aller I1II "pofl.d 10 U5 b.,. MlllerCud ot VIII, w. lhen acouif' Ih.
conv.rttdtunuelion .mounl Ind dlscloll II 10 yOU In U,S, dollul on your
nul Monthl.,. St.l.ment. W. do nolllllh. evrunc)' COf\....rlion rll. nof do
w' rlc.l.... Iny porllonollt.
EtfTIRE OALAtfCE OUE. II you dl) nol p')' ueh p..,.m.nt on \1m' 0'" you
bruk Iny 01 ~our olhu Fromllu m Ihll Alrum,nl or .ny olher .,rlttm.nl
....Ilh V" ~our Accounl"'ll b. de1mqu.nl .nd w. mlr ....,lhovl 1.1l11l1 yoU deelue
your.nl'" b.l.netdu,.' once, W, (In .110do hll U .nylhin, )'OU lold VI
In your .ppllcatlon lor. Cud wl1 untrv',ll you become b.nkrupl 0' dl'. 011(1
~our .nllf' b.l.net bIComes dve you WIll h..... no lutlh., IJlhl 10 mlk.
. Purehlll1 ot ,.Ilo.nlon Ihil Account. Alnol.d .bov,.wl hl....lh. r"hl
10 colllCllh' b.llnce OWlnl on Ihll Atcounllrom Ih. Cardholder II w,lIl1
.nyAulhorlndUur.
cllAtmlNG TIllS AGREEMENT. WI uneh.nlllhll ",r"m.III.I.ny tim.
Forlnll.nc..w.c.nchl"'elh.,.tlorChu'..orlh.....ly.....compul.1hem
II..... dOlO, w,'UnOllly,ou .,IUII JOd,y' pflorlalh. e!tech.... d.1I ollh.
Ch.nl..ndWIII.d...lnrouollhlllmln,.ndclrcUmIUneelOllh.Ch,"U.
IIlh.ch.nr..hlllh..ItICIOllncrulln.llhelll.ollnlerulorur...,ClCh.r,..
w. .....lIIlmpltlTl.nllh. Ch.n,e onl.,. upon compll.nt. w.lh lh. I.rmllll'orlh
In Ihe nollce. Al our oplion_th'U: tltrml ml.,. ellher: (I) "Quin your .,rtt.
mentloSuthch.n..ln....f11In'orblyouru\ecll".,A.ccounl.I"tlh.,lite,
II.... d.l. 0111'1' (h,nl' or (,I) "QUII' you In .d...lU: Ul In wIll in, wilhln 30
d'rllh.1 you do nol.ee.pllh. chlnl'. (1h," r.l. Chlfl" pro...llionl do
no ,pply 10 roullne ....rl.ble IIlllCCOunl1 QVlrl.,ly .djullmtnll whlch'"
IIllolth bllew In d.llll). Other.....i". .n.,. ch.n" Wilt tlke .l1lcl wllhoultc.
tion on your pul. II you do nol lCtlpl.n Inlerlll fll. ch.nl', youm.yp.y
your blt.neu 011 under Ih. t.rml 01 Ihil ,A.,rttmenl bul w. ml)' lermln.l.
your C,.dil Un. .nd uquiu .,.OU 10 nlurn your Cudl 'nd UfI' 01 Credll
ChICk I.
C.AtlCElIUG USE OF THE ACCOU~lT. Wt can une.llhll Accoul']l.l.ny tlml.
You ml)' .110 uncellhls Aceovnl b)' wfllln,lo ul. 01, courn,lI )'our Accounl
huncer.d,youmullp'YUI.llyouow. ul.lnclvdtnl.ny.mounlnoly.1
b,lltd. 0,., un"ll.llon. )'OU mull.l,o fllurn.U Clrdl.nd Lifl, 01 Cndll chlCkl
....,.....'I....n)'ou, You Will con!lnlle unlll.lllh. Cudl.rt relurn.d 10 us 10
b. f.1POnllbl.lor .ny PVleh.StI 0' lo.nl m.d. wilh Inyor Ih. C.tdl, whllh.r
bf yOU or lom.onllo....homyou 1.....lhtCud.
UN^UTHOR1ZED USE. You m.)' be li.bll (bul nolln .n)'c".lor /nOft !h.fI
150) lor un.ulhorlnd ule 01 yOV' C.rd In cr.dlllrtnuctlonl. You.wllI nol
blll.bl. lor .n)' luch un.lhomed UII. ....hleh occur. .lItr you MIl'y UI (,1
10Is,lhello,polllbl.un.ulhorlz,dustOllhtC.rd. Tonollfyul:ulllolllree
800.462.1674 or 716,841.4860 In Elullllo 124 hOurl/II....n d'y" wttk) or
WIll. Marin. Mldl.nd [l.nk, P,O. DOl 12~', Dutlllo, tI...... Yo,k 14240.
OTIIER DEUEFI1S. Yau Ifl .110 ffl!llI.d wilhoul .ddi(lon.1 ch.r,e. 10 Ih.
..In bell'!111 .nd ",,,,'CI1 de1crlbtd In lhlt .nclolu'It wilh 11'111 ,A'f.emen!.
Plen. rud uch on. carelull)' 10 d,'ermlne ho..... .nd when yov m.y U~.
Id....ntt/,o 01 IIch "'''''(1. In .d:illlon.!Ou m.y b. loloc"ld lrom \Ime 10 I,m.
lJy I1II,t "/lll.ulherlud lJyullooll., 0 IIU yoU QUllolf ."tlCh"~()'1t f,',O:IJr
"r...leu ....hlch m., b. char led diuetly 10 yOu' .Atcount. 10wl....,..1 .,.OU pr,,'"
nol IcUk..d....ntt..ollh.uoppol\unll1t1.Yovm~)'.d...in Ulb.,.Clll1nl
th.,IIQuirlunumberonyourblllinrll.lem.nl.ndw'....llldeleleyourn.ml
from our 10ht.I.llon Iill.
tlO SECUlllTY ltllErtES7. Your ACCOUflll1 uns.cur.d Ind no IIcvrll.,.1nl.f,,1
under.nyolhet.,rtemenlwllhu1seculuIlIP.ym.nl.
EFFECTIVE DATE. II Ihll AI,umenl II lor. new Account, It l.kes .lItel on
Ihe d.l. ducribtd belo..... I Ihil II a ,.ne~al Ot r'pllcem.nl ,A.lrum,nl on
'Il ..l1llnl A((ounl, Ihlt A&reemenlllkU ellecl Imm.di.ltl)',
APPlICAOlE LAW. TMI Alretmenl .nd ~ovr Account .r. r:o...ern.d by the
IIWI ollh. Sill. 01 ~lew Yerk. ("fltw York"), II w,lI II IPplletble IJwl .nd
"r:ul.lIonl 01 the Unlled SlIleI, wh.lher you lI...e In U.w York 0' Ult your
,A((ounlln tI.w York. Elued on ~our Credll,l;pplIc.llon",Acctpllnce Cettlllcalt
lranlmltt.d 10 UJ In rlew YOfk, w. h....1 ultnded credlllo you rrom tiew York
.nd Ihtrelor.lhh Alrument h .nleted Inlo between you .nd Ulln New York.
In .ddIt10n,)'ovr Cardll)lIthsued loyou byullrom New york," art your
Monlhlf DIllin, Shltmenll, lIk.....I\e. you Ill! dlrecled 10 IInd your pJymenh
.nd.n.,.cerrtIPond.n~lloullnflewYork which Is....hert our h..dQUJftfrl
.ndnl...lceClnhrl,.IOCllrd. .
I
PLAINTIFF'S
EXHIBIT
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RETAIL INSTALMENT CREDIT AGREEMENT
O'flCf.TO THE 8UYER: I. Do not Ilan thll credll .ar..m.nt b.I". you r..d
or IHt contllns."y blink spice. 2. You .r. .nUtled to I completel)' Hlled
copy of this credit .cr..m.nt. . ..
JRCHASES. This 11th. plrl 01 lh. Alroem.nt th.t covers your Purch.....
this. Is . new Accour'lt, It does not taKe effect unlil you lirst use your C.rd
m.~.. Purch... .nd you Ir. notll.bl. If your Clrd Is/osl or slOl.n .nd
..d b.loro th.n,
'OiDl'NG FINANCE CHARGE," you p,y for.1I your Purchll..ln lull.v.ry
!nth, you can avoid any Finance Charao on Purchases. In addition, there
" F n.nco Chlri"" .ny monlh II: (1) you sl.nlh. month wilh Purch....
1\iloUI B.I.ncII(s) of zero; or (2/ your payments and credllslor Purchases
I at IlUst IS much IS Ihe ,moun 01 Ihe PrevIous Balance(s) at the bee'n"!nC
the month. '
IMPUtiNG FINANCE CHARGE. In .ny month wh.n you Ir. .ubi"t to
NANCE CHARGE, w. lIiU," It on .n .vefli' d.lly b,'.nce b..is.
I you have,l Fired Rale Account, you may have more thin on. Purchases
Jnc,'and we then ligurelt separately lor each such bal.nce pursuant to
. lollow/ni:" fou open.d your Account .lter J.nu.ry 1, 1981, you have
lone Purchases balance. It will be either Class 2 or Class 3.11, however,
Opened your Account before January I, 1981. there will be ono balance
, Iny Ind,btednOllOutstandlni on Purchases m.dn prior 10 March 1. 1981
liS 1), and. ,'p.rate b.l.nce for .ny Indebtedness outst.ndlns on Pur.
.,,, mad, on or alter th.t d.te (.lther CI." 2 or CI." J). "you h.ve .
lablo,Rale Account, you m.y .Iso h.v. moreth.n one Purch.." b.l.nce,
Here', how we get an aver'Ee daily bOllanc. lor a Purchuu balanco:
(1) We slart wllh the Previous Bal,nce at the boginnlna ot the month,
(2) Then each dlY we add new Purchases and other debits and subl"ct
payments and other credits, each'u ollis actual dale unless wo .lect 10 use
a laler dalel If such aclual transaction date Is unavailable to us or look pllce
/n . prior blll/ni period. '
(3) W. ,dd up Ih. dilly b.l.nces for tho monlh and divide by the number
01 days in the month. Thai gives us tho IIverago daily balance (shown on your
slalement IS . Finance Charge Bal,nce).
Then, II you have. Fixed R,ta Account, we mulliply each .vorace daily
bll.1nco by the approprlDil Periodic Rata as lol/ows:
M,"lhl, Corr"pondins ANNUAL
'yp, 0/ BI/"" Periodic RIle PERCENTAGE RATE
ClASS 1 I.S000\, FIIIIISOO las
1.0000\ '" Exc", 12\
ClASS 2 1.5000\ '"
Enlin B.I"" las
ClASS J 1.6500\ '"
Enlln 811"" 19,80\
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I . of/.CE.:. ~ee r~verse sIde for Important Information regarding your rights to dIspute billing errors,
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RETAIL INSTAL/.IEm CREDIT AGREEMENT (Continued)
.11 you have a Varilblll Roll. Account. WI multiply Ihe a....erJI~e dJlly b.11Jn,!
b~ 01 monlhl~ Periodic Aall CJ:Jtfe$pondtne 10 an AtlNUAL PERCEtlT AGE RA TE
: 'whIch will be determined Ind will vary as lolloWi:
.Th.lnili.1 ANNUAL PERCENTAGE RATE.M iniliJI P"iod,c RJI'
will be the "les sot rorth in Ihlllnctoud RATE DISCLOSURE WhlCtll$ hcreoy
lnco(pof'led inlo Ihis Agreemenl.
Th.llnili.1 "I. il d,l"min,d by .ddin! 8.9~ (8'lO b..il poinll) 10 lhe Ind..
Rale for the current calend" quarter. The inilial Periodic R.lle is delerm,n.
.d bydividini Ih. ANNUAL PERCENTAGE RATE by 12,
. Thl Index Rate for lhe current and I!JCh subsequent c.lel1d3r QUJrle' IS
lhe monthl)' avorag' offered fll.ln thll secondaf)' markellur J.monlll Car.
WiC4lu 01 DepOSit, lor lhe first month 01 the prior "Iendar QUJrlcr, Ii
. published in Feder.l Ruervc StatIstical Relone C.IJ.
i TIl. ANNUAL PERCENTAGE RATE end P.riodic R.I. will ch.ni' on Ih.
openIng day ollhe lirst bIlling cycle In IIch ulendar QUlrler to reflecl d.rectly
chlnges in the Index Rate. II your payment dUI date is lata in lhe monln.
'.(.,.aller the 25th. In some calendlr Quarters your (:ltl chlngo dale may
. bo In the beginning 01 the second month ollhe quartor. There ore no limil~tions
"9~ Incruses or decreases in Ihe ANNUAL PERCENTACE RATE. An increase
may rlllull in a hiRhcr monthly minimum p.Jymcnt or J sm,afler portion 01 Ihl!
paymenl being .1I0c.!ed to prlnClp.11.
II, as a r"ull 01 any adjustment, tho ratcn or chali,"es to be m.1do would
Ilteed mUlmums IlIed by applicable law, such rain. or ch,)fgu Shall be
reduced by Ihe .mount necessary 10 brln&: lhem w.lIIin per mIlled Ilml!s.
Thil iivel ullh. FINANCE CHARGE lor Ih. IT'Ot\lh lor thot b.l.nee,
MINIMUM PAYMENT. Your mon!hly minimum payment cnPurchases is ligured
on Ih. 101.101 your Purchos" N,w B.I.ncell) os ollht Bilhn! 0.1... Illh'l
101.I..ceedIIJ60, 1/3601,1'1 du.. IIlhillol. illrom 11010 13(,0" n"nimum
01 S 10 is due. II the Iota I is less Ihan S 10. tho lullamounlls due. II. because
01 unusual activi!y, Ihe FINANCE CHARGE due is l...-,;er Ih,n the c~rrenl
minImum lia:ured as abol/e, only lhe amount ollhal FINAokCE CHARCE IS due.
Of couru. you must aha pay In any monlh eJch amount whIch ,is PUI due.
In 'ddilion, .ny OTHER CHARGES duo os olth.t It.l.",enl w,1I b. .dd'd
10 your minimum paymenl and will be payable In lufl.
COLLECTION COSTS, You 'ir." i1lh. ,nlire b.l.n"'.. decr.red due, 10
pay our colleclion costs includlnc. il we reler Ih. case 1.0 an allorney. a
relionable illlorney's lee not elceedina: 20~~ ollhe imo~ldu.and p.yable.
You (th. Buyer) may ,t any tlm. p.y your tot,)1 PurwMs Indebledn.ss.
, .
LOAN AGREEMENT
LOANS. Thil parI of tho Aireom,nl covers your Lo.nl, III.kes ,lIecl when
rOU lirst gel a loan. A loan Is mIdi when we post it to your Account lor.
In. 01 Credit check or overd"lI{ but os 01111 aclu,' t"nlacllon d.t. lor.
ulh adv.nce,lnclud.d In tho da inlllon 01 Lo.nl under .pplicabl. It".I.w
ore luch ileml os .limony and child lupport, b.iUbond p.ymentl, court COllI,
. 'charil.bl... polillul.nd reliiloul contribution I, l'i.ll.mblln,l"nlaclionl,
lolt.ry Ilck.ls, mon,y orders, In p.ymentl, I"v.lers checkl .nd wire
translers.
MINIMUM PAYMENT, W.lirslliiure Ihe minimum prlnclp.1 p.ym,nllor Ih.
. monlh, W, do Ihil by muiliplyini Ih. tol.1 of your Lo.nl princip.' b.l.nce(l)
as 01 Ih. Billini 0.1. by 1/6OIh, For exampl.,. S'lOO bol.nee limes 1/60 equ'll
.. SI6 p.ym,nl, W. th.n .dd Ih. Fin.nce Charies .nd .ny L.le Charles lor
: Il1e month. IIlhor..uillni lIiure illeslth.n SlO, Ih. minimum p.ymenl Will
.b. SlO or Ih. b.l.nee oulll.ndinl i1lesllh.n SIO. 01 courso, you mUlt .110
~ay uch month 'any amount thai is past duo.
. ,COMPUTING FINANCE CHARGE, ;:in.nce Chari" on your Lo.nl b.l.nce
.r,1. determined by applying a Periodic Rate to a dally principal balance and
: .by .apptic.alion 01 appropriate TranSJction Fees. This Is done as descflbed below:
. PERIOOrC R^TE FINWCE CHARGES, W.liiure. (p.ri'dic rei,) FINANCE
CHARCE eJth day on each Loans principal bal:lnce lor thai dilY.
.11 you have.1 Flud Rat. Accounl, you may have more than one such LOJns
.princlpal bJIJn,.. 11 you opened rour Account on or aller JJnuarr. 1. 1981.
)'Ou.hJ\l1I only onlltoans balJnce. I will b. either Class 2 or Class 3. I , however,
you opened your Account before January 1,1981. there will be one pflrlcip.11
balance lor any indeblednds outstandinlJ on Loans obtained prior to March
'1. 1981 (Class 1), and a separal' prinCIpal bAlance for any Indebledness
.outs!andlng on loans obtained on or aller that date (.ither Clan 2 or Clus
J). It YO'J havo a Variable Rate Account. you may also have more Ihan onc
loans' principal b,,'anco.
. To get a daily principal balance, WII start wilh each opening principal balance
tor th. dSY. W. .dd n.w Loanl.nd olherdebill poII.d .nd lubtract p.ym,nll
.nd olh" creditl pOlt.d Ih.t d.y 10 th.t b.l.nce, except th.l. c.1lh .dv.nce
10.n'lh.II,be poll.d as 01111 aclull dale unlell w. eloct 10 u.. .1.ler d.I.,
illuch Iclu.i lranlacll,n d.t. il un.v.lI.ble 10 us or look plac, In . prior
blnln! period.
Th.n, if you h.ve . Fixed R.I. Accounl, w. mUlliply .ach relullinl d.ily
~.Ian" by the .ppropri.l. Periodic R.I. as followl:
CouuponditlC
Oail, Pui,dic Nominal
R.I, ,n Enlite ANNUAL
.TIP"IB.lln" B.II''' PERCENTAGE RATE
CV.SS 1 ,03281\ 12\
CLASS 2 ,04931\ 18\
ClASS J .05424\ 19!0\
If you havo I Variable Rate Account. we mUlliply the resulting d,i1y balance
by. d.ily Periodic R.I. corr..pondin,lo.n ANNUAL PERCENTAGE
RATE which will b. d.termln,d .nd will v.ry as lellows:
Th.lnill.1 nomin.1 ANNUAL PERCENTAGE RATE .ndinili.1 PeriOdic R.le
will b.lh. ral....t lorth in the enclosed RATE DISCLOSURE which Is her.by
Incorporated inlo thil A!re.m.nl.
Th.t Inill.1 nomin.1 ANNUAL PERCENTAGE RATE il d.lermined
by .dding 8.9'1 (890 b..il poinll) 10 Ih.lndox R.t. tor Ih. curr,nl calendar
Quarter. The lnili,1 Periodic Rate is determined by dMdina: the nominal AN.
NUAL PERCENTAGE RATE by 365,
Th. Index R.t. lor tho current .nd ..ch subsequent cal'ndar Quarler il
Ih. monthly .verag. oll"ed ralO in tho lecond.ry INrk,llor 3.month Cer.
liIicates of Deposit, lor the lirst month 01 the prior calendar quarter, as
publilh.d In F.dora' R.sorve Sutiltical R.I.... G.13,
Th. nomin.1 ANNUAL PERCENTAGE RATE .nd PeriOdic R.t. will ch.ni'
on the openina: day 01 the lirsl billing cycle in uch calenda.r Quarter to direct.
Iy rllllect chanaes in Ihe IndOl Rato. II your payment du. date is lat. in tn.
month, e.8., alter the 25th. in some calendar QuJtters)'Our rale change date
nl.JY be In Iho beainning 01 the second monlh 01 the Quarter. There Qre no
limllations on increases or decre,)ses in the nominal ANNUAL PERCENTAGE
RATE. An increase may resull in a higher monthly minImum payment.
ApptlcJtion 01 the Periodic Rale determined IS above a:ives us the Periodic
R.le FINANCE CHARGE lor 'h. d.y. Th.n w. .dd up th. d.ily chari" 10
g.llh. periOdiC "I. pori ion 01 your FINANCE CHARGE for Ih. monlh.
TRANSACTION FEE FINANCE CHARGES, For oach L_ (C..h Adv.nce) th.1
you oblain IbY Aulomated Teller Machine (ATM). check and oyer.the.counter
slip) we wil charEO you I Transaclion Fee of 2~ of the amount ollhe Loan.
subject 10. II minimum .nd . SIO mulmum f... This I.. II' FINANCE
CHARGE .nd will b. includ,d with tho Periodic R.t. FINANCE CHARGES
wh.n w. delermlne Ih. aclu.1 ANNUAL PERCENTAGE RATE on your
Monthly Stat,menl, (Th.re will b. no Transacllon F.. charled lor .xercllini
.ny ov.rdrall Lo.n privlleiOl.)
COLLECTION COSTS, You .gr.., if th. .nllre b.l.nce is declared due, to
p.y our actu.1 collection cOltl includini, II w. refer tho cose lo.n .ltorn.y,
. r..loMbl. .1l0rney'll.. .nd .ny applicobl. court COllI.
Ca(dholder Agreemenl Signed lor Ihe Oank by
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JOEL STEINMAN, ESQUIRE
Attorney I.D. #62042
MELVYN S MANTZ & ASSOCIATES, P.C.
25 E. State Street
Doylestown, PA 18901
(215 348-5200
ATTORNEY FOR PLAINTIFF
MARINE MIDLAND BANK CUMBERLAND COUNTY
COURT OF COMMON PLEAS
Plaintiff
VS.
LINDA CLARK
Defendant
NO. Ci7-, d 41) ('~C
PRAECIPE TO REINSTATE COMPLAINT
TO THE PROTHONOTARY:
Kindly reinstate the Complaint in the above captioned matter.
BY:
JOEj... EINMAN, RE
------
ATTORNEY FOR PLAINTIFF
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JOEL STEINMAN, ESQUIRE
Attorney I.D. #62042
MELVYN S MANTZ & ASSOCIATES, P.C.
25 E. State Street
Doylestown, PA 18901
(215 348-5200
ATTORNEY FOR PLAINTIFF
MARINE MIDLAND BANK
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
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Plaintiff
VS.
LINDA CLARK
Defendant
NO. 1997-00245 P
SUGGESTION OF INVALID SERVICE
It has been suggested that the Sheriff's Return of Service
upon Linda Clark at 28 Appalachian Trail Road, Gardners, PA 17324
as effected on March 12, 1997 was invalid. The individual served,
to wit, Linda L. Clark, is an individual other than the defendant
in the above-captioned action, Lynda M. Clark.
MELVYN S
OCIATES, P.C.
ESQUIRE
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JOEL STEINMAN, ESQUIRE
Attorney I.D. #62042
MELVYN S MANTZ & ASSOCIATES, P.C.
25 E. State Street
Doylestown, PA 18901
(215 348-5200
ATTORNEY FOR PLAINTIFF
MARINE MIDLAND BANK CUMBERLAND COUNTY
COURT OF COMMON PLEAS
Plaintiff
VS.
LYNDA M. CLARK
Defendant
NO. 1997-00245 P
PRAECIPE TO REINSTATE COMPLAINT
TO THE PROTHONOTARY:
Kindly reinstate the Complaint in the above captioned matter.
BY:
JO L STEINMAN, E QUIRE
ATTORNEY FOR PLAINTIFF
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COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF BUCKS
Joel Steinman, Esquire, being duly sworn according to law
deposes and says that he is the attorney for the Plaintiff in the
foregoing matter; that he is authorized to take this affidavit on
its behalf; and that the facts contained in the foregoing
Petition are true and correct to the best of his knowledge,
information
and
belief.
Joel
Steinman,
Esquire further
understands that false statements made herein are subject to the
penalties of 18 Pa.C.S., Section 4904, relating to unsworn
falsification to authorities.
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~~-)TE~NMAN' ESQUIRE
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MELVYN S MANTZ & ASSOCIATES,P.C.
JOEL STEINMAN, ESQUIRE
Attorney I.D. 62042
25 E. State Street
P.O. Box 2284
Doylestown, PA 18901
(215) 348-5200
ATTORNEY FOR PLAINTIFF
MARINE MIDLAND BANK
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
vs.
LYNDA CLARK
:NO.97-245-CIVIL
INTERROGATORIES FOR DISCOVERY
OF ASSETS IN AID OF EXECUTION
TO: LYNDA CLARK
7386 Wertzeville Road
Carlisle, PA 17013
Because you have failed to pay the full amount of the Judgment
previously entered against you, the Judgment Creditor, to whom you
are indebted, has a right to attempt to enforce the Judgment by a
Judicial Sale (Sheriff's Sale) of your assets and has a right to
inquire concerning the existence and location of those assets.
Therefore, pursuant to the applicable Rules of Court, you are
required to make full and complete Answers to the Questions set
forth in the following pages. These Answers must be made in
writing, under oath, within thirty (30) days after service upon
you.
You are warned that, should you fail to do so, the Court may make
an Order imposing punishment for Contempt of Court.
If you have an interest in any property which would refer to any
question set forth below and that interest is owned (and/or
enjoyed) by you with another, you are required to answer the
specific question noting the interest of the other person
including that person's name, address and telephone number.
Please, if you do not understand your duty to answer these
questions, you shOuld consult a lawyer. If you do not have or know
a lawyer, then you should go to or telephone the office set forth
below to find out where you can get legal help.
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Lawyer Referral Service
CUnDerland County Bar Association
2 Uberty Avenue
~lisle. Pennsylvania 17013
(717) 249-3166
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1. REAL ESTATE: Does the Defendant have an ownership or interest
in any real estate anywhere in the United States? If so, set forth
a brief description thereof, include the structure and lot size
and type of construction; the location, including the state,
county and municipality; the volume and page number of the
official record thereof; and state further whether the Defendant
owns it solely or together with any other person or persons and
give their full names and addresses. Supply the current value of
the properties and the basis for the evaluation (estimate, tax
assessment, appraisal, etc.). If any of the above properties are
mortgaged, supply the names and addresses of lenders, the date and
amount of the mortgage, where it is recorded, the monthly payments
and the balance now due. Also, supply the purchase date, purchase
price and the name of the party from whom the property was
purchased.
2. TRANSFERS OF REAL ESTATE: In the six years preceding to the
date of these Interrogatories has the Defendant transferred any
real property either by sale, gift, exchange, or otherwise? If so,
please give a description of the property so transferred, the
method or manner of transfer, the name of the person, firm or
other entity to whom transferred, the consideration or amount
received by the Defendant and time and place of the transfer.
3. TRANSFERRED ASSETS AND GIFTS: If, in the preceding six years,
the Defendant has transferred any assets (real property, personal
property, chose in action), not covered by the immediate preceding
interrogatory, to any person, and/or, if the Defendant has given
any gift valued at more than $250.00, of any asset, including
money, to any person; set forth, in detail, a description of the
property, the type of transaction, and the name and address of the
transferee or recipient.
4. AGREEMENTS: State whether the Defendant has any agreements
involving the purchase of any real estate anywhere in the United
States. If so, state with whom this agreement is made, and state
whether or not any persons are joined with the Defendant in the
agreement. Supply full names and addresses of all parties
concerned. If the said agreement is recorded, provide the state
and county of recordation, with volume and page numbers.
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5. ACCOUNTS RECEIVABLE, DEBTS, NOTES & JUDGMENTS: State the names
and addresses of any and all persons whom the Defendant believes
owes the Defendant money and set forth in detail the amount of
money owed, the terms of payment and whether or not the Defendant
has written evidence of this indebtedness, and if so, the location
thereof. Also state if the matter is in litigation, and if so,
give full details. If the Defendant holds Mortgages or Judgments
as security for any of these debts, state where and when such was
recorded or entered; and the Couty, Book, Page number and term
where recorded. If the Defendant holds this Judgment or Mortgage
jointly with any other person or persons, give their name and
addresses.
6. INSURANCE: State whether or not the Defendant is the owner of
any life insurance contracts. If so, state the persons whose lives
are so insured, the serial or policy number or numbers of said .
contracts, the face amount, the exact name and address of the
insurance companies, the named beneficiary or beneficiaries and
their present address. If the Defendant owns this insurance
jointly with any other person or persons, give their name and
address. State whether such policies are term, whole life or some
other type of policy. State also whether such policies have any
cash value and whether there exists any loans against such
policies and, if so state all amounts.
7. GOVERNMENT, MUNICIPAL OR CORPORATE BONDS: State whether or not
the Defendant owns individually or jointly any corporate or
governmental bonds. if so, include the face amount, serial numbers
and maturity dates and stat eth present location thereof. If the
Defendant owns any of these Bonds jointly with any other person or
persons, give their name and address.
8. SHARE OR INTEREST: State whether or not the Defendant owns any
stocks, shares or interest in any corporation, or unincorporated
association or partnership interest, limited or general and state
the location thereof. Include the names and addresses of the
organizations and the serial numbers of the shares or stocks. If
the Defendant owns any of the stocks, shares or interest jointly
with any other person or persons, give their name and address.
9. DEPOSITORY ACCOUNTS: State whether or not the Defendant
maintains any checking, savings, or other deposit accounts. If so,
state the name and location of the deposit-institution and the
branch or branches thereof, the identification numbers of those
accounts, and the amount or amounts the Defendant has in each
account. If the Defendant maintains any of these jointly with
another person, give their name and address.
10. SAFETY DEPOSIT BOXES: State whether or not the Defendant
maintains any safety deposit box or boxes. If so, include the name
of the institution, branch or branches, and the identification
number or other designation of the box or boxes. Include a full
description of the contents and also the amount of cash among
those contents. If the Defendant maintai.ns any of these jointly
with another person, give their full name and addressl.
11. PERSONAL PROPERTY: State whether or not the Defendant owns any
personal property. Include a full description of all machinery,
equipment, inventory, furniture, fixtures, furnishings and any
other items of personal property with full description, giving
full value and present location. State also whether or not there
are any encumbrances or liens on that property and if so, the name
and address of the encumbrance or lien holder, the present balance
owing on the encumbrance and the transaction which gave rise to
the existence of the encumbrance. State where and when the
encumbrance or lien was recorded. If the Defendant owns any
personal property jointly with any other person or persons, give
their name and address.
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12. RENTED PROPERTY: Is any of the property of the Defendant
rented to, leased to or otherwise in possession of a third person?
If so, state full description of the property; the name and
address of the person, firm or other entity who has possession of
the property; the circumstances and reason why the property is in
possession of the third person; the consideration or payment
received by the Defendant; the name and address of the person who
receives the rents or other consideration on behalf of the
Defendant.
13. MOTOR VEHICLES: State whether or not the Defendant owns or has
any rights in any motor vehicles. Include a full description of
each motor vehicle, including color, model, title number, serial
number and registration plate number. Also show the name or names
in which each motor vehicle is registered, the present value of
each motor vehicle and their present location and place of regular
storage, garaging or parking. State also whether or not there are
any encumbrances on those motor vehicles and if so, the name and
address of the encumbrance holder, the date of the encumbrance, .
the original amount of that encumbrance, the present balance of
the encumbrance, and the transaction which gave rise to the
existence of the encumbrance. If not owned, state the extent of
the Defendant's rights in and to such vehicle.
14. ACCOUNTS PAYABLE, LOANS PAYABLE, DEBTS, NOTES WHICH THE
DEFENDANT OWES TO SOMEONE ELSE: State the names and address of any
and all persons who claim that the Defendant owes them money for
any reason. Set forth in detail the amount claimed and, if there
are any suits, actions, or legal proceedings of any kind against
the Defendant pending and undetermined, that the full particulars
as to each. However, it is not necessary to duplicate the Mortgage
information given in response to Interrogatory #1 (REAL ESTATE)
and/or the encumbrance information required by Interrogatory #11
(PERSONAL PROPERTY) or Interrogatory #13 (MOTOR VEHICLE) .
15. Are there any Judgments on record against the Defendant?
a. What amount and where?
b. Have payments been made on account thereof by the Defendant
or by any third party for the Defendant?
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3. Attach a copy of said personal/financial
statement.
29. Are you either the owner or beneficiary of any life insurance
policy? If so, for each life insurance policy state:
a. The name of the insurance company which issued the policy.
b. The date the policy was issued.
c. Whether you are either an owner or beneficiary of the
insurance policy.
d. Attach a copy of the declaration page of the policy.
30. Do you hold as the mortgagee either individually or jointly with
others, a mortgage on any real estate?
If so, as to each mortgage state:
a. The description of the real estate.
b. The date on which you acquired the mortgage.
c. The original principle amount of the mortgage.
d. The account outstanding balance due on the mortgage.
e. The name and address of each mortgagor.
f. The mortgage book and page number in the Office of the
Recorder of Deeds or the Office of the Deed Registry in the
County and State where,the mortgage is recorded.
g. The name and addresses of each person/entity including
yourself listed as mortgagee.
h. Attach a copy of the mortgage.
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1. Any and all documents, records, evidence and
everything which you reviewed or referred to in answering
the Interrogatories in Aid of Execution which accompanied
the Request for Production of Documents.
2. Deeds of all real estate owned by you either solely or
jointly with others.
3. Documents of title for all automobiles owned by you
either solely or jointly with others.
4. Your United States and Pennsylvania Tax Returns which
you filed solely or with spouse including all W-2 Forms
issued to you and IRS 1099 Forms issued to you either
jointly or with others for the following years: 1994,
1995, and 1996.
5. Bank statements covering all demand deposit accounts
in which you have an ownership interest of any kind.
6. Balance sheets and statements of profits or losses for
the last two (2) years showing all assets owned by your
during the said periods as well as the results of the
operations during said period.
7. A schedule of all of your accounts receivable and
notes receivable. Such list shall include the name and
address of each debtor, the amount of the debt, and the
terms of payment.
8. A schedule showing- in detail all items of inventory
held by you, such schedule shall include a description of
the type of inventory, the cost of the inventory, its
present location and its present value.
9. A list of all safe deposit boxes which is held either
in your name or jointly with others. Such lists shall
include the name of the box, exact total, the number of
the box and the name and address of the institution in
which it is located.
10. A list of all of your assets pledged as collateral
for loans or other obligations owned by you, either
solely or jointly with others. Such list shall include a
description of the collateral, its value, the name and
address of the institution or person with whom such
collateral is pledged, and the amount of the obligations
secured by said obligation.
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11. A list of all equipment owned or possessed by you
either solely or jOln:ly with others. Such lists shall
include a description of each item of equipment, its
present location, its cost and its present value.
12. A list of all your liabilities, whether trade debt or
otherwise, including the name and address of the party to
whom such debt is owed, the amount of such debt, and the
terms of payment.
13. A list of all of your assets owned either solely or
jointly with others, other than inventory, transferred by
you within one (1) year from the date hereof including a
description of such assets, its c~st, its value, and the
name and address of the party who received such assets,
and the consideration received by you for such transfer.
14. Copies of all confidential/personal/corporate
financial statements issued by you to any financial
institution withi~ the last three (3) years of the date
which you were se=ved with this Request for Production of
Documents.
15. Complete copies of all insurance policies issued to
you either as a homeowner, tenant, or business including
but not limited to life insurance policies, policies for
automobile insurance, homeowners/fire insurance policies
for the past two (2) years from the date you were se=ved
with the Request for production of Documents.
16. A copy of all agreements reflecting ownership in any
business entity including but not limited to stockholder
agreements, partnership agreements, limited partnership
agreements and joint venture agreements.
17. Check stubs, check registers, and checkbooks for all
bank accounts upon which you individually, jointly with
one or more parties or an authorized signer for the past
two years from the date you were se=ved with the Request
for production of Documents.
MEL1rfN S ~~TZ & ASSOCIATES, P.Co
BY;
JOEL STEI~~~, ESQUIRE
PliRSUA)lT TO THE ['"AI? DEBT COLLECTION ?R..;CTIC:::S .;CT, IT IS REQliBED
TH.;T WE STATS THE ?Oi.,LOWI:-lG TO '{OU: THIS IS 0;); ATTE~!PT TO COLLSC':'
A DE3T 0 .;".J"! INFOR~L;,:CN 037.;::;SJ '';:,-,- 3E liS:::: ?:)? 7H.;T PU?POSE.