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HomeMy WebLinkAbout01-5717VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. ~72094 PARK LAW ASSOCIATES, P.C. 25 East State Street P.O. Box 1779 Doylestown, PA 18901 (215) 348-5200 ATTOR/qEY FOR PLAINTIFF CUMBERLAND COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK Plaintiff VS. DONALD E SHARTZER Defendant NOTICE NO. 7/7 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. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 (717)249-3166 (800) 990-9108 THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. VALERIE ROSENBLUTH PARK ATTORNEY I.D. # 72094 PARK LAW ASSOCIATES, P.C. 25 EAST STATE STREET, P.O. BOX 1779 DOYLESTOWN, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF ACT#: 5418275002125832 CUMBERLAND COUNTY COURT OF COMMON PLEAS PROVIDIANNATIONAL BANK 295 MAIN STREET TILTON, NH 03276 PLAINTIFF VS DONALD E SHARTZER 314 BRANDY LN MECHANICSBURG, PA 17055-2807 DEFENDANT NO. dDI- ~!7 CIVIL ,CTION 1. The Plaintiff, association organized and existing under and by virtue of the laws of the United States of America. Plaintiff solicits and maintains consumer credit accounts in Pennsylvania and is the owner of this account, which is the subject matter of this action. PROVIDIAN NATIONAL BANK, is a national banking 2. The Defendant, DONALD E SHARTZER, has a mailing address at 314 BPJLNDY LN, MECHANICSBURG, PA 17055-2807, 3. The Defendant is indebted to Plaintiff on the credit account by virtue of charges or cash advances incurred by the Defendant or authorized by the Defendant on a credit card or line of credit owned by the Plaintiff bearing account number 5418275002125832. THIS IS AN ATTEMPT TO COLLECT A DEBT. ~ INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 4. The Defendant requested an account, account number 5418275002125832, which is owned by the Plaintiff, and an Account Agreement was sent to the Defendant. A copy of the Agreement is attached hereto as Exhibit UA" and made a part hereof. 5. The Defendant has failed to pay the amount owed in accordance with the Account Agreement and has failed to pay the outstanding debt as agreed. 6. The Defendant is indebted to the Plaintiff in the amount of $4,329.10 as of 08/31/2001, plus pre-judgment contractual interest at the rate of 21.99% per annum, less payments made. 7. In accordance with the documentation attached as Exhibit "A," Plaintiff is entitled to reasonable attorney's fees, and Plaintiff will incur attorney's fees in the amount of $735.95. WHEREFORE, Plaintiff demands that judgment be rendered in favor of the Plaintiff, PROVIDIAN NATIONAL BANK, and against the Defendant in the amount of $4,329.10, plus pre-judgment interest at the contractual rate of 21.99% per annum from 08/31/2001 until the date of the judgment herein, plus reasonable attorney's fees in the amount of $735.95, less payments made, plus costs and any other such relief as this Court deems reasonable and just. COUNT I- ALTERNATIVE 8. Plaintiff hereby incorporates paragraphs 1 through 7 above as though set forth in full. 9. The Defendant received a monetary benefit, which was in fact appreciated by the Defendant. 10. The Defendant accepted the benefits. 11. By virtue of the circumstances surrounding the request for funds made, the Defendant knowingly requested the funds at issue THIS IS AN ATTEMPT TO COLLECT A DEBT. AlqM INFORI~3~TION OBTAINED WILL BE USED FOR THAT PURPOSE. and/or knowingly and voluntarily accepted the benefits bestowed. 12. It would be inequitable for this Court to allow the Defendant to retain the benefits of the funds or to be unjustly enriched at the expense of the Plaintiff or allow the Defendant to retain the value of the funds at issue without repaying the Plaintiff the value of same. WHEREFORE, Plaintiff demands that judgment be rendered in favor of the Plaintiff, PROVIDIAN NATIONAL BANK, and against the Defendant in the amount of $4,329.10, plus pre-judg~nent interest at the contractual rate of 21.99% per annum from 08/31/2001 until the date of the judgment herein, plus reasonable attorney's fees in the amount of $735.95, less payments made, plus costs and any other such relief as this Court deems reasonable and just. PARK LAW ASSOCIATES, P.C. PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, IT IS REQUIRED THAT WE STATE THE FOLLOWING TO YOU: THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. VERIFICATION I, DELORES CH~{L~S declare that: I am a Designated Agent of PROVIDIAN NATIONAL BANK, the Plaintiff in this action, and I am duly authorized to make this verification on its behalf. I have read the foregoing complaint and know the contents thereof; that the same is true of my own knowledge, except as to those matters stated on information and belief and, as to those matters, I believe them to be true. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. I declare under penalty of perjury that the foregoing are true and correct. Executed at Alameda County, Date in the State of California. Designated Agent IMPORTANT LEGAL NOTICE Federal law gives you 30 days after you receive this letter to dispute the validity of the debt or any part of it. If you do not dispute the validity of the debt, or any part of it, within that period, we will assume that the debt is valid. If you dispute the debt, or any part of it, in writing--by mailing us a notice to that effect on or befor~ the 30th day following the date you received this I~t~r--we will obtain and ~ai to you.proof (verification) of~e debt. {~nd if, within the sam? peri~i, you r~quest i~ writing the name and a~ress oft~e original creditor (if different from the curr~t credttor), we vail furnish you w~th that information t~o. If we do r~ce~ve a t~mely written nottce, all efforts to collect th~s debt vail be suspended until we mail any r~quired information to you. The purpose of this communication is to collect a debt; any information obtained will be used for collecting the debt. ACCOUNT AGREEMENT Credit Reporting: Personal Infomation. If you fail to fulfill the t~nns of your Your PROVIDIPaN account has been transferred to First Select. Your PROVIDIAN (the "Original Terms"). If ~our Ot~.~gina! Terms provided for diffet~ntt ~nual per~entage Rat~s to be apphed to different components of your out. ding ,b~.!an~, Original Terms, or the maximum returned check charge l~n~itt~d by the law of your apply any unpaid amount agaths~ your ~'~ line, You do n~ ha~ to pay any properly or services. EXHIBIT JAMES M. BACH Attorney at Law 352 S. Sporting Hill Rd., Mechanicsburg, PA 17050, Tel: (717) 737-2033 Providian National Bank Plaintiff VS. Donald E. Shartzer Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 001 - 5717 CIVIL TERM PRELIMINARY OBJECTION AND NOW COMES the Defendant by his Attorney John R. the within Preliminary Objection. Scheidemann and files MOTION TO STRIKE COMPLAINT for lack of conformity to a rule of civil procedure. The Attorney did not execute the complaint, which was filed of record and served on the Defendant by a Sheriff of Cumberland County, and noted as a true copy from the record. This apparently violates a rule of civil procedure. 2. DEMURRER The Complaint, as written, does not state a cause of action against the Defendant. 3. MOTION TO STRIKE FOR INSUFFICIENT SPECIFICITY IN A PLEADING. This Complaint, as stated, does not allow the Defendant to determine what purchases he has alleged to have made and when these purchases were made. It does not contain a specific invoice leading up to the allegation of a debt due and owing. The Complaint should be dismissed, or in the alternative, the Plaintiff should be required to amend the Complaint to conform with the rule of law relating to specificity in a pleading. based on the within Preliminary Objection, it is respectfully by the Defendant, that the within Complaint be dismissed. Respect fully ~u~mit t ed, ~' ~0hn' R. ~'Cheidemann, Attorney-at-Law 352 S. Sporting Hill Road Mechanicsburg, PA 17050 717-737-2033 Attorney I.D. #86772 WHEREFORE, requested, JAMES M. BACH Attorney at Law 352 S. Sporting Hill Rd., Mechanicsburg, PA 17050, Tel: (717) 737-2033 SHERIFF'S RETURN - CASE NO: 2001-05717 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PROVIDIAN NATIONAL BANK VS SHARTZER DONALD E REGULAR KENNETH GOSSERT , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon SHARTZER DONALD E the DEFENDANT , at 22 SINCLAIR RD at 1233:00 HOURS, on the 9th day of October #4 MECHANICSBURG, PA 17055-2807 by handing to , 2001 DONALD E SHARTZER a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 5.85 Affidavit .00 Surcharge 10.00 .00 33.85 Sworn and Subscribed to before me this /7~-- day of ~ ~_~ =3o~ ~ A.D. ~ t~rothonotary R. Thomas Kline 10/10/2001 PARK LAW ASSOCIATES VALERIE ROSENBLUTH PARK, Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 East State Street P.O. Box 1779 Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF ESQUIRE IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PROVIDIAN NATIONAL BANK DONALD E. Plaintiff VS. SHARTZER Defendant NO. 01-5717 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. CVJMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE Carlisle, PA 17013 (717) 249-3166 (800)990-9108 THIS IS AN ATTEMPT TO COLLECT A DEET. ~ INFOP~MATION OBTAINED WILL BE USED FOR THAT PURPOSE. V/tLERIE ROSENBLUTH PARK, ESQUIRE ATTORNEY I.D. 72094 PARK LAW ASSOCIATES, P.C. 25 EAST STATE STREET, P.O. BOX 1779 DOYLESTOWN, PA 18901 (215) 348-5200 ATTOP~NEY FOR PLAINTIFF PROVIDIAN NATIONAL BANK 219 MAIN STREET TILTON, NH VS. DON/~LD E. SHARTZER 314 BRADY LANE MECHANICSBURG, PLAINTIFF PA 17055 DEFENDANT CUMBERLAND COUNTY COURT OF COMMON PLEAS NO. 01-5717 A~NDED COMPLAINT COUNT I - CIVIL ACTION - LAW 1. The Plaintiff is Providian National Bank, a national banking association, located in New Hampshire and existing under the laws of the United States of America with a place of business located at 219 Main Street, Tilton, NH. 2. The Defendant is Donald E. Shartzer an individual residing at 314 Brady Lane, Mechanicsburg, Pennsylvania. 3. At the request of the Defendant, Providian National Bank issued to Defendant a credit account, specifically a Providian Mastercard Account. The account number now is 5418-2750-0212-5832 and at all times relevant hereto, Defendant was the holder of said credit account issued through Plaintiff's credit facilities. 4. Upon Defendant,s acceptance and use of the credit account, Defendant agreed to be bound by the terms and conditions of the account agreement. A true and correct copy of said agreement is attached hereto, made a part hereof and marked Exhibit "A." 5. The Defendant incurred obligations on the account in the sum of $4,163.15, no part of which has been paid since January 27, 2001 although duly demanded. A true and correct copy of the account statements are attached hereto, made a part hereof and marked Exhibit "B." 6. The account statements, attached and marked as Exhibit "B," provide a detailed explanation of charges incurred by Defendant on the Credit account. 7. Over a period of years, the Defendant continuously utilized Plaintiff's credit facilities and during that period, the Defendant made numerous payments on the account, acknowledging the debt. 8. The payments contained in Exhibit "B" indicate that the Defendant has acknowledged the validity of the account within the applicable Pennsylvania Statute of Limitations. A true and correct copies of checks made payable to Providian National Bank and endorsed by the Defendant is attached hereto, made a part hereof and marked as Exhibit "C." 9. 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. 10. In accordance with the terms of Exhibit "A", Defendant agreed to pay a finance charge on all sums due at an annual percentage rate of 21.90% and Plaintiff is entitled to additional finance charges from January 27, 2001. 11. In accordance with the terms of Exhibit "B", Defendant agreed to pay a 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 $707.00. WHEREFORE, Plaintiff demands judgment against the Defendant in the sum of $4,163.15, plus interest from January 27, 2001, plus attorney,s fees of $707.00 and costs of this action. ALTERNATIVE COUNT I - QUANTUM MERUIT In the event it is determined that no oral or written agreement existed in faCt or law between Plaintiff and Defendant as alleged in Count I, the Plaintiff alleges as follows: 12. Plaintiff realleges each and every allegation contained in paragraphs 1 through 11 of this complaint and incorporates each paragraph herein by reference as if the same were set forth at length. 13. The Defendant received a monetary benefit of $4,163.15, which was in fact appreciated by the Defendant. "Appreciated by the defendant,, meaning among other things that the Defendant received a benefit from the Plaintiff by utilizing the Plaintiff,s credit facilities and incurring charges on the Providian Credit Account. 14. The Defendant accepted the Monetary benefits of a credit account issued through the credit facilities of Plaintiff. "Accepted the Benefits,, means among other things that the Defendant either pa'ssively or actively received benefits from the Plaintiff which would be unconscionable for him to retain without repaying the Plaintiff. 15. By virtue of the circumstances surrounding the request for funds made, the defendant knowingly requested the funds in issue and knowingly and voluntarily accepted the benefits bestowed. 16. It would be inequitable for this Court to allow the Defendant to retain the benefits of the funds or to be unjustly enriched at the expense of the Plaintiff or allow the Defendant to retain the value of the funds at issue without repaying the Plaintiff the value of same. 17. In accordance with the law, there is interest due at the rate of 6% per annum from January 27, 2001. WHEREFORE, Plaintiff demands judgment against in the sum of $4,163.15 plus interest from January costs of this action. the Defendant 27, 2001 and PARK LAW ASSOCIATES, P · C. RIE ~R~ENBLUT~ PARK, ESQUIRE VERIFICATION z, HSAIHSR K00RSMAN , declare that: I am a Designated Agent of PROVIDIAN NATIONAL BANK, the Plaintiff in this action, and I am duly authorized to make this verification on its behalf. I have read the foregoing complaint and know the contents thereof; that the same is true of my own knowledge, except as to those matters stated on information and belief and, as to those matters, I believe them to be true. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. I declare under penalty of perjury that the foregoing are true and correct. Executed at Alameda Count~il/~~e of California. Date Designated Agent Pro/~d~n ,Na. tional Ban. k. VI~A® or MasterCard~ um Agree, ment tor uonald E Shartzer ,January 3, 2001 Please mviewthis document and k it ~th your.o, ther impprtant p~ers. This Account Agreement contains the terms ' Bank VIS~,.or MasterCard Account the Accou t ) The Account allows out . wh ch ovem our Pmvidian Nationsi wherever It Is honored and to et ~ee~ advances ' . y . o .re. aka pu[che~e.s, by using your VISA or ~ ster~ , checks, may also be p. mvided ~o~ you es an additi!r~l wUaSvO[oaun~.o~e.r~.~,c,~ti~n.g~ institu~on a~d fm~ Automat~ Te!~r Ma~n~ Qard' open,Bo a ciedit card Account. "Vl/e ' "our" "n.~. o..~ ..'... -.;z: rq:.'~'~.."_':_-'. ;,. ...- ...~ ~ree.thent, ."you and your" mean each De for wi'mm Vwe~n~he-nc~ may De used only for be.r~onal familv h~se~h"~ ~ c~d~',..,r~,Y..u~a,n ~.a.~o.~,ar,_u_a_n_~ 9~r ~ts. assignees, as lis! on your bi lin~sr~emafi~:T~ ~.~ Payments, You will receive a monthly statsthent showin your outstand ng balance Pa ment on tbs Ac pa able at a L~.S. offi.ce of the bank th~ check ~s drawn on fbr at least . Y count ~s..mquirad in U.S. dollars checks must be wi~ ent,nstructions on our ~ the payment due as shown on ;our state ;ntb th · and 1~3er check .,, .... ,~y.c.^.. m_o_n, th_l_y.s~temep.t. The',back of ye.ur statements shows the m es we w w~lla~n wO-Ynn~ nin~?~en.t~.du~~/ale In. acco ,r,r~n,ce ~s~' ~2 u-'L="~[w-.r'~-Ience,'ex~cee,,cls your credit line. However, the pa. v'r~ent ~-~'~]i'~o~'~)~ ¥~s°~r~u~ ~.nnYl~P~..s,[.~-e?-.Y.m~er~t, an,d may inclu the amount pa_y[ne,n.[, o.u.[ we will noti.fy you before doing so If your Devme~'i'is n~ore ,h;,'~';'~2 ',.%~,~=~.¥~,=,~r,~wye me cre~[ ,ne, .we may require a higher minimum apple.ed [o tmure oavment~ §ua We may. acceoi lafe or ba~al n,~vm,~nf~= ~=/~n~."~'~u~=,L~--'WI~ [I be t[eated as a s0~ le nt,an.d none of it will our dght to collect all amounts ~:~ing un,er thi§ Agreem~ni "-" ......... ~.-.,,,,...~= ,,,Bijou pal= rn full or marked Wl~ o er~er'r~msrthctions, withou:t Iosi~ r.nns?nhces,,, Except. as de~,,ri ,b~d, n the Gra. ce ~edod for Pumhase Balance section of this A p0,..~,oc_l_u ~(3~_, in one qr.y,our curly,bela, ncaa ar~ cent nde until that balance i reduced hv ~ nn~,~.*r~merit .fina ce charges begin to. a,,ccm, e o,n a debit ,....-_,y.,.=e ua,ance, w.nlcn .c. on§lstS ct your existino Pumhaes Balance an(~ ne-~-;,,';,'X~,=;[;~,',.~n~°~r,-~{,~ ~n°ur ~Acc~,'unt ,h,,a.~ the.rolloWing selences: ,.,=~; one or more uus[om uaon Advance Balance.~ ' · .,,.,,,=~,o ~,~u ,,,=,~,:, wru, your ~a~ no Tees i'or ca~l ' lance, that w.e transfer for you; eno me besn A(wa~Whl~lha~si~v~ic~f ~3~n~, y.,o,~u.,.t~..~.er=t~o,y=o~u~r _A~,unt usln ~:~lance trans.fer c~ec°~s~ e~rc~m~nt am~utret '~R ue[' tt~at ceeds. ~ fees the.~d'~ ~il~='o~i~'ri'~" u""l~""ef~ atnt~oCashBag"~anca .t[a...nsacfion fees. Any ( , . t E~axance i~alance With the next I . th~ alanca with the lowest Annual ~aelance'tet~e reesn/e ~n~'~ n ht to apP~ payments ~fferentiy without further notice, °west 'I~'/P~' uanP~ t~dat ~a[lance Is zero, and then to any remain ng The Purchase, Custom Cas t"'nsmitted to other enders to '--nsfer ~'iae~n~tesC~°masYca~aofsofsfhl'.adva'n'ces, ars Iq.c)u ,ded,m you.r C,ust~.m C, es, h ~l~ence BalaP~nc~ as A an , and Cash Advance Balances are ucad by yments as of the date received and b ' foP~ljmhases are included n )u~d'l~Ju~cC~se Balance as of the date made . crsd ts a of the date sted. o,ows: funds siectmnical p.r .esented teas. Other cas a~ances re inc udedn ur Ca~ Advance Balahce or o~l%wOas..tec~[~c;esC?meCml(S [o [ranster..~.lan,c.e~ as of t e date Au[omatad Tellers, as (~4rtl , ~ta ,ma(~; cash advancYe° checks made ..... ~,., ,.-, .a,~s,! ,,.., :: ........ v_a~n ., o. the,r fin,uncial institutions and ~muoh r~edu, est, _as qf ~.ven days a er oata w ' ~-~,.,..,,,~ ,~,., .~u u i¢~ ~lu ~uen[ITleQ as cesnleFS cnesKa eno ' asha"~, d~a.n, ce~alance as of the ~ts Dost~, FinSgn~ ~_,e~t~e.,~e. s~n.[ ,ed. !.o_,u..s..,..O_t.h~r dab~its .are i~1. !n your Pure Yase., ~us[om uesn AB'vance or pont on the check' all other hacks . . marl,ed to you at our Advance Balances ea~ da uno are ~nen posted on the last da~/of th~ btilinc ~'i~=.'~l~e~'~'~u~Y°..~u~'-?-smm,U~uda~nce, .a, nd h~as,n ,~yfiagr~m~u~p(l~l~efi~e~c~nr?[yf~ees~l~fg~lan_C~o~~ ~a~e~ (sWiee~ tYc,O, ur previous day's .Bela.hca., add a ,debits. and sub,tract all credits for the current toan~l'inclu~inthatda.,s~alance ;~t-~_.___. LuY .Pti, n( . [ o.,owingparag.ra..pn,s).. /nenn.ancec a eror ch ' c de b )' . we [rea[ a cree~[ Da~ance ~or any aa zero we ~[e ' .rg type of Balance ~ ed y addin t therffiefinancecha foreach OfBal ncefor;~ac°a~ '" . .rmlce~net°t~?fina.n.ce=argesonbalances~orth~'nebla?tdlili b~fora ~gaenlesctionor me type dayWithlnthe!3i .ngcyc!e D.calculatin financec , ~ansactlon. ~;po a transaction Will ~:~ ........... act Poraf~e current bilhnf=~ cycle rat~erC~n the rate in el/est on the daCaCY~el, of~eI ~,~ i.~t~l~lr~n, cc~Udee al~ ~e =gri%~acil~atbae [aon~:~tafl~nr =tho~s. aOf E~.a, lance.. ,Y..OU cap m. ulti@ly e..ach ~ve.rage da.. ily balance tL~t is not. zero the number The term 'Pdme Rats" as uesd in the Agreement means the h ghect prime rata ubtished n the Wall S~et Joumal on the fimt business day of the previous calendar month. Any increase or rease in the Annual Percentage Rate wil~ take eft . Increase°rdacressemtheamountd~o u ect on the first day of ourbtih lean · ' yo r m nimum payment, y 'rig cyc d may result in a slight beThe ANNUAL PERCENT.AGE RATE (ApR for hasesmayvaryendwl be adiusted " then 19.99%. Using this formula, ~e ~ for umttases ' ~J a...c.h btihn _~._cla to 1 24% above ..Prima Rate, .b. ut will in no even The ANNUAL PERCENTAGE RATE for custom cash advances may va~ and will be ed'usted ea ' ' _ev_~t.,_~ I.ess [h~a,n..l_9_.D_9%. Using this formula, the APR for custom cash o,,', ...... :, ~,,, ,__.!_c_h ~l,ti,,n9 ~.c. le to 12,.2.4~ ,a,~y.e Pdme Rate bat will in no ~rI~QIC ra[e CT U.O~:~3~%. ,auv¢=,,~a=o iii uf,~ dallUaly Z'JUI D{lllng CyCle IS Z1.14%, correspon~Jing to a daily The ANNUAL PERCENTAGE RATE for cash advances is 21.99%, correspon~ng to a daily po~o(lic rate of 0,06025%. If we recsi ou unt payment late 2 or more times in any 6-m th dod, o~ each su h urrence we may increase the APR for umheses up to a m_exJ, m,u, mi~.~rre .Sl~Ondlng to a daily penodic rate of 0 0~;~%1 I~a~e~rv . . . cash advances and custom qas adyancas u. to maximum 3. to a daily p o ic rate of 0 a d ,ncrea or mseLall omar [arms or mis A~reement for 3 consecutive nt' " Ye_ receive the hi ~e.r rates YOUr payments am recafv~ec~ on time P your Account for a possible APR reduc{Jon, mo_.hs, you may contact our Customer ~gelrvlca dal~rtrr~nt and, at your request, v,~ wti~vlY~ fGu t iray ~ i~egd ~dn fo°g ~clh~e~Bnao~al~e~'n tNoeiWn cPu~ r~ fihan~l~ °cs~ ae dm teO uYn~rthAeC~t~r~t oi~ ~itiin[j.~cy~q ,e,s with ,no I~.revioq,s. balance,, or when. the previous, balance was pu. fchas~s i~ ~ ~::~Y'~3'~ {otal De~v'""b,~lance in fu b,, ~e "°~'~t du* ~-'* *~'-,-,- __e .n.~ey.[_ _pi, L _ng_c_y_c) e .., ¥ ou Will,pay no nn.ance cnarge,,on sucn new a nnance charge, ahd them is no period in which s~ch ~u~'~=' ~s m ~"y ~:~ "r e~ '~iut ~Yu~ ~ ~ ~ u~m[.~.~ Ban ~ n ant ~ cP~larCr~[,sea post. In any omar billing cycle incur Fees. We may charge your Account $0 for: each Card you ask us to r:Fplace; each returned payment; each check you write on YOur Account that we retum un id;aa hstop yment order or renewsi of auch an rd~r:eachbilin cyolewithnwhichyourAccountisdalin uent Ita Wi~ whl~c~ your L~ance exceeds ur ,ql'e3it line (ove~)imlt, evn iT our ' . ~.,~y.. you m~qe;[ m(a[ ;:~a:[ :nod2;hm~il~itTo~:ti: sent to you more than three month~(°e~riler, we may charge ;e~n~?~g ~Ye~ of'~C~oUrnte~%i3cl=~'*l..f.-.Y.ou,..r~l._u.e.s_t coplg)lo~Ibll~l~tamentq that were (Continued on reverse) (5846-0698) 5418275002125832 1523 015 z~ pa an.t. from your nal checking account, we ma charge your credit cord account ,a.n, ~t witi .apply regaP~e°esr~ of whether funds are avail~le in your nersonal chec,.=-~ _~_t_a. f_e,e, of $4,.95..for each request. This fee is a FINANCE CHARGr: e ma cna es transectio fee qf 3% minimum $5), which is a'"one-ame FIN~'I~:~ C"~Anl~3°Em, (~eth~epmPaoYumn~ each cash advance, ncluding cash fro~ ~lanci~'~ ins~il~aons, and A'~4s, wire transfers, money orders, lottery tickets, casino gaming chips, and similar transactions. faith that you ma not or ',~' x. . uL!~r ueo~s when cue r a oanKru [ etiaon P y ' ny pa~ th' Agreement · y pay dorm our~hgaaonsu~d~th~sA . P. p ~s~lec~b oraga~nstyou or fwebe e ' credit pnWe es declare . . recreant, if u are n dsfau ' . ve ~n good outstar,,.a,.,,, ~e,;, ....... ~'.o_~rP~o.uq~' b..alan~ Immediately d~e ~n~d oavabl~ y~o,~,~ ...... tCu__~LPw_e~tl.m°ay, Wlthlo.~ furth'~er ..demand or notice, cancel vour have ~l~'~ui~)'~:~[ ~ ~,~u°nUtnvt oSuh aollwCe~)n a n u e to accrue interest at th-~ A*'P~(~' ~s~l~s~'~Yn ~t~] ~Y~nW~e ~ ~aY ~a~ve~.....I,g~ ~e, ,e~ e n,,t of you,: .default,' ~,~ ,~. ,~ ~,uu. u~ u,s ~greemem, even If we normati the difference b~tween ur credt tin y ~ on I~om~a.~on we oot~iceo ~'rem au or our c a.m. ount of p.u.r exceeds your permission), all ot~e~:'~ansacacos ~a~n~d~l~.~r[~ ,,~,[x~o,, ~w?~?,..~,en__y~ou__o.r_~,_meona .else u.se yo~Jr Ac.count even i.f. th.e a ha ed Chun ea. After we p. rovide au any n ace .r~ldirsd b law, we m chun e any ~ of this reement the nence Charg c on th sAg me , the new n &e . sod or re ve u rements. chun · Forei n Exchange/CulTency Conversion. If you use your Ca for t/an cti n in curre other tha U S dsl ars the tm sacacos will be convert U.S. ~llars enere~ y usin either a (i) ovemment-mandat~d~mf~te or w rs. _u used ~- ....... ~uu ~uree [o accap~ ~e converteo a~Yount in U.S. The Card' Cancellation. Youm.a. ycence~yourcredJt dvil esatan ameby, tifyingusnwriangaoddssreythgtheCa s U nthaCard · . , p~uume~ Dy law .!! yqur uaro is cancelled ~ ~'ua~ u~-~ pHw~eges at ar~y ~Jme a~er cia da paym ts ~')l conanue to be due, aod all other ' ,. . rnotrenew..~.,financecha e andotherf · ' ys _ .............. your , ccoun , you dsstmy we ico~dlng credit n' a ancJes Y . p us adair, lanai i'l..n~nclatJnrorma[~on We rase ..... hone numbers, ,~ u,,~ may re[~ec[ on your crscat may ~e submitted to the credit reporting a~encYi~ uu ,o[ ~unm your oUigaaons under Customer Service; I lnauthorized Use, ~as or Theft a,f. Cb,acks or the Card. Each C rd ' . safeouardin~the Care, .y. our ~e.,rsonal I~n. afica{ion I~.umher ,~ PIN, which provides access to ~urtlc)mrn~uts~*,~n~,.~°-'n- ._,r~ceip~. You .are. re.sponsible for .f,rom"theft,.a'hd keepin. ~.io~F~a,.~s~:~..,..m_te_~.m_ ¥?.ur uard.. If you discover or su.spact that vour C~-~Ii°~ 'o~,?~,n~s,~a~.r~ any c,n~Ks ,S .sped to you me.m.m..a.y, oeanuo..aul . u~u, your unt, y.o. willp Wy ti u nin -..,~ ....... ~sare~os[orsto[en. arrest iasc or theft n you re u~ n°erwW~aSl~rn~r~.s~ "se o.~ your Accost{, we may s~.s~3~d.~. ~'c~r~l'~u.,~i~e~s~n~°~cwuemng bpfor.~. ~(~ hoary us o! a setisfactJco or issue y( . yu ros~ [orsto~ , ouwill ro ti des . ~, w . wem. solve me p~3blem to our and security, you agra, that your ~ may be monitor~l or ~ pmp y trby all checks ~n your passession. To improve customer sen/ice MerchantEetaflons. WewitinotbeliableifanypamonorAutomatadTeller~achinerefusestohonortheCardorecc t rch ks orfa s o cC~n°~°~tWs~ha~en~v=lS~e~wib, i~hf~or6g~.and ee~ .cps. pum..h.a.sed with the Card or checks excent ,, r,~.,~,.~el~!,Y~,.[ ~K. ~..'. J( .ret. um. the, of the services you choose to'~-s~. -,- · ,,,,,cunt ars provldao by ~lro-party vendors. We are not r'~'b~ '~(~r ~"e TMq;~,ir~ ..S.~pPaymentOrders. I u wish to stop tcoacheck, youmay ndusast.op mantorder whan to atouraddre w..as pay .sUe, the name of the ce ~o'~ ~-,~ ~sl~c~ ~q,, I ?~,~ fi °-n,- _a~p_, ut me. cne~.~.: the .ay, act amount,'the date-c~-t'l~ ~h~,~"~' [u..u~a_K?[ ,S~[ _ap paYment ardan;, a srega..rp you. r oral order if we'do no~ ;g~;~,-,~,~,~=..,,., _,,.,,,.o._~,,e_ _cnec[numoer. You w I he asked to ~nfirm a,*, ,',~r~",L-~'..."..-~J'?'"5-u[ [ne pp. rty to. whom it deccnpaon of the i so that r~t'~'~:~ s~t ~u,uu .~[ee conrjrmaaon within, two. weeks after-t~e o. ral o"r(~e'~' ~r~l ~ee)'~'a~~n°o~er ~n.wn in. e may act on the order. ~e mSay, wilJ~ououtn~a~ility, d ~.~ga°l~aa.writt= srsd~orpWl~3rntenb~t oerffr~r~s'~ ~m~t~t~sheC~,l(_ .w_a?. pa,.d by us ~ore we ha.da ree~n~e~o~' a~u~m~[~ ~ u~[ur recalp[ unless i! is renewe(3 th writing. '" t~[%t~oCn=r[~eBc~nas~lS~ds~t~A.b. CyCC~Us,n. tainnc~°l~thnCotr~e~.~,rdcl~cC~ Cah~k,.,_t[a_n,nca,_,..c_ao~ ~,.~hich _am. proc~s, cad th.mu h separe naaona ..s tams mechan ca I without our necesse .... ~'~)' ,u '.-.am s p. wi ce sen[ [o us · . before · . nly rewewing eve tern O r . . , transacaco~ ~n ypur ~ount wi examln~ all I~'a~nsacaons whe . I:~rocess ng tam va call our attenti .... ~ processed b~e negll sot if we do n ~ynou~h,~ ~,~at [/,°-u,-r,'~rd -°,rbt~s. haye.bed.n.~Y~S[ or stolen We ,'~ ,*,* ?~?~°"c-,e-~-Ln-'[!.e,m-s-~lqh we,.wi, ti examm, e We will uedau~gaf our limited ~i~v -~,~ ~:,..',¥-'= _u_u..~u~?nes me sm..ndaro or ordinaj3, care which ~e'Tn n~t'~C',,u,~l~'~.[Y~.~-rn~-n-e- a. lu[.em.s, eno w~ will not shoo, Id be caref,i to e,.,,~,, ;~',..~:~.~'.57~_ u~:' .~mq, r Yot~r cancelled checks nor card trancacaco ~ ,.,o~ LL"'~: ."_,'.L..?~,~,,,,,~, ,[!, ~mm~sren ~g y~r .Rccount purchase slin*, '~'(~u a;;;'~L'~',[' ~s..[n...your .c.~npc~..r.r.r.r.r.r.r.r.r.mglster or o~orwise keep a record of them~"~?~";h'~',i~.,me°~o~[,°,~Y,°,,,,.,u wit ~..e monthly ,statement, yo[~ ~--. u,,~,~ ,,., ,,,~.,,, yuu~ monmly s[a(ernents against your record and to notJ~,, -;. ;,,,-,;,..-.~;. r.: r..~r':_ ~vu ~ .u.~ur q_rsCll['cero C{lSh aovance uno ·. . . . ,~ ,,o ,,,,,, ,,,.,,at~,,y u~ any unaumonzee a'ansactions or errors Waiver of Certain Rights e m delay or waive enforce ant of any prowsio f this Agreemen without osing our dght to enforce it or an o rovls,on later· You waive' ~e~ rig~to presentment, dema~, profest, or notice ~ ~shonor: an a ti y ~'ler ~ave to require us to p~ against anyone before we file su ~ against you. ' Y pp cable statute of Iim~tat. Jons; and any right you may Applicable Law; Severabillty; Assignment. No matter where you live. this Agreement and your Account are governed by federal law and b New Hampshire I . This A recreant is a final ression of the a recreant be'twee ~..,~..~,= .......... , ,,~ p.,,.,wa~.~..m me ~.greemem Wl~ sail be enforceah/a .~ -L'; ,=-- -'.%~- ...... l,?,u~.u~atprovlSlOn modi~so to camaro1' tn ~.~'~.~o~, ~n~ ~r~s~c~ ~o ~,.~,~a c~?.o..n ,...o_r .Jy~ c_ia~ ,de~_ isi.o.n h.as rendered or mpy-~e~F'a~, ~n'~n~o~r~ ~o ~rs,,~,n,e_ in g.cx~l..faith..~at any oC~orwi "~"~"'~" ~'..m'lU"umen[,°r°znerourdenlnconnecon 'than'sac ~"." ..... ..-'-, ,aAgreercen[Invaloorunen¥orceable, ori y , thout no'Ice if pe~n~ltted by law, cancel the Card and your ~red~t privil~es~°~tr~(~;i~;~??is~*mg;leonout,r ~oehr~oY~atiaftoerrsact taasJ 30 days nlo~ · u oma o~your payments. I! OVID1AN Financial state law ~:luires that ou receive notice of su with the state's Secre[aY~ of State. ch an event to protect the pumheser or assignee, we may give you such notice by tiling a tinancing statement Notices. Other notices to vou shall be effect ye when deposited in the mail addressed to ou at the address sho on our records unless a Ion er no' period is spacitied in this fl( reement or by law, which I~tiod shall start u on mail' tics your statement (or other a(~mmsses we ma~, o,.~,~.,, ~,, -~- ......... P . rog. No'cra to us shall be mail;W~to our add"-,-- '~,~ ......... g · Y..,OUR..,BI.[I,.LJNO .RIG. HfS- KEEPTH 8 NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Nb tifyUsinCaseofErro sro #on Abo Yoqr ill. If you think our bill is wrong or if you need more informa#on about an transaction on our ~ ~#ts ua on a separate street, ~atU~e a~o~dr~ss ~tsted In t~e Billi[~rl Rights ~ummary on your bill W#ts to us as s~on as possible ~e must heist fro~Yl ou no later than 60 days after we sent you the first bill on which the-error or problem a red ~'ou can telephone us, but doin 's~ will not resewe y dghta, In you[letter, give us the fo o~n information. Your name and Account num~. The dollar amount of the su ct~lgerm P your and explain, if you can why you believe ighere is an e~ro7 If you need more information, ~:Jks~'fibe the item you are not sure'abOut r. - Describe the error If you have authorized us to ~y ourcreditcardbillaut(~maticallyfmm urchenkin account, youcansto the ayment on any amount you think is wrong. To step the payment, your letter ~ust reach us three business days beds°rec the auto~atic payment is sch~uled ~(~ occur. cannot try to collect an-, a'mo-,,* ...... ,.Y~= ..... er correct, th.e error or explain w11¥ we Delieu,~ t. rle ,',,,, ........ , ,,.._ y, unless we have shames, and we can o~. ~.,",':',J-"-¥..%~uu~!, ur re.r[ you as ~linquent We can coritinue t,. [:)]l~',,o-'I~;¥~ ~L~_t~ .~[~er we .r. ecelye yo,u.r letJ;er we ares'tillobtigatedton~"t~°l:~rt~'D~,~,~,,a~?.u,n,.t_a, ga, nstl/ourcreditline You'do not have to pay.~v~j2~u~s~o~'~,:j'~m~',',~u,?J.,J_u.u._queecpn In..cmCng nnance ," -' ~ · ;,,-,u, u.~ mai are no[ in question -'~ ,,,'-',-,-~ w,.~ wu are ~nvesllgating, but you If we tind that we made a mistake on your bill, you. will not have to pay an f nanca cha . sYPa~emmaeYnth~ht..o,.p_a.Y..ti_n,a.p_c~ chargec,,..and, y.ou.,wri} have to make UD the Ym ssed ,',o,,m~re~a~t~-t°-.~-n-y,.quee,ti°ned amount.., If we didn't make a mistake our e. xplanatio,n does not satisfy you and ,,,-,. ,e.~..at, i..t ! ,s.d,.u..e,,: If Jt,.ou. fall top. ay the.,am, ount we th nk you owe we ma,~ ~,.,-,,'+ ,~}~,e.r .ca~,__w.~__w)ll ~nd you .a. ~lues! on your Dill And u~ ,..,ro*'~ .,^ ~,Z~ '_'_"~'* ~'-'? wmm l u (lays [eslng us Ina[ YOU still refu d r'.av' w~ m.~* *;.h?"..'...,~,"-"--2° ~.~.nqu~. nj. r~owever, r~ between us when l[ flfiall is Ifweddn' ,,,.,~, ..... --.Y~ ....... ,,r~__,rt, e_d.y, ou.tto,.kN_~_m.u.s, t tell anyone we reoort you t t mattr~erhaY~h.~n~t~ Y . tfo ,-.. .,,:,o,= ,u,~ w~uam~;o~ ~ _ .O. hat,th.e ~ec[ me ltrst :~ o~ me quest shed amount, even If your bill was correct. . SPec~aJRu. leforC 'it Card Purchases. Ifyouhaveaprablemwiththe uali ofthe ' havo. th,~ ~n good ,", .fraie~ .to correct the pmbtem with the me q .ty Prep~rtyors.e.rylcesthatyoupumhasedwi ours ' twq llmltat, iqns on thls.nlli3t (a) you must have made themnhu~k~sYe°t~nmvaoYurn~tn~ma.ve.I=°,.pa*y~,e'r-e,~.~ln[~ amount due on the o~s or ~r~e?~.ar~endmy°u mrnaa ~n~g,,a^~,~r~.s.i;..,a.n_d_.,l.~)/tne,~.hase prise must have b~ more tharl $-$O'""~.~,"Ii~)"='~?,,.'~U-w'thLn you, r h. pme state, wit~th 100 miles of ~,our cu~ ,,~., ~,,-,. u,,= ,~uvumsemen[ ror me property or mn,ices. - .................~ uo no[ apply I~ we own or operate the memh~t, or ACCOUNT NUMBER 5~18-2750-021Z-5852 DONALD E SHARTZER 31q BRANDY LN MECHANZCSBURG PA PAYMENT DUE DATE 17055-2807 MINIMUM PAYMENT AMOUNT ENCLOSED I~blm Uheeka P~yab~e To Page 1 of 1 000000 PROVIDIAN MASTERCARD S418275nn21258320nn74 Dn03715850 Prevfou~ Balance Credits P.v,...~. o~er ~a~ C,h ~S ' ~ Paint 3,7nn.00 FINANCE CHARGE 3~.90 Lite Chlr~l .00 NEW BALANCE ~3,715.85 1823 1525 AVerage ANNUAL D;dly ~dpe of Balance Dadly PERCENTAGE PerlmJIc BMance RATE Rate Pm'chase $.{~ 16.65% .G456%~ Cash Advance ~2,422,75 18.85% .o5ti % RUling PROVIDIAN NATIONAL BANK We appre_,.c, iate your business. ·nank You! EXHIBIT ACCOUNT NUMBER 541B-2750-0212-5852 DONALD E SHARTZER 314 BRANDY LN HECHANZCSBURG PA PAYMENT DUE DATE Z7055-2807 MINIMUM PAYMENT AMOUNT ENCLOSED Page 1 of I PROVIDIANMASTERCARD 541827~OO21258320D0740003745130 Look ExcluMvMy for Provld~n M~#lrCard GMmmerl: I yloun~k~ ~r exc~ng appor~. M for summer ~ end v~lekend Uet~my~, · ~v~e aemnce, 1rack your cMrg~ or see WMn your next peyment b due. To bm'n mom, go to m.ptovld~ncard.eom ACCOUNT SUMMARY Previous BMance $3,715.DO Credits .00 Payments 74.00 Purchases E olher Chm~les .DO C~h AdvanMs .DO + ~TNANCE GHARGE + Late Ch~rg~ 29.00 = NEW BALANCE ~,7a,~,13 31 ~,'~ .... 1523 1525 PROVIDIAN NATIONAL BANK We appre_c, iate y.o. ur business. ·nank YOU! ACCOUNT NUMBER 5q18-2750-0212-5852 PAYMENT DUE DATE MINIMUM PAYMENT AMOUBT ENCLOSED DONALD E SHARTZER $1q BRANDY LN HECHAHZCSBURG PA 17055-2807 Page 1 of 1 oooooo PROVIDIAN MASTERCARD 5418275002125832DnO75onD373848D r TRAHSA,2¥iON$ / Po~t Date De~crlutlon Tranmlctlon Date Amount outer Charges Cash Advencea .00 FINANCE CHARGE 67.3~ Late C~targo .00 NEW BALANCE $3,738.48 3';;A'~'"; lr~3 1525 07P20~e Average ANNUAL Dally I Btammant Data Typo of Balance Dally PERCENTAGE Periodic 06/25/99 Balanc~ PATE Rata Purl:hose S.nfl ag.gO% ,D548%" ~0 D.yo In Cash Advance $3,726.43 21~% .E602 % Billing Cyate PROVlDIAN NATIONAL BANK We appre.c, iate y.o. ur ,business. Tnank YOU! ACCOUNT NUMBER 5418-2750-0212~5852 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED DDNALD E SHARTZER $14 BRANDY LN HECHANICSBUR8 PA 17055-2807 Page 1 of 1 00(30O0 PROVIDIAN MASTERCARD 54~6E?snn;=~'E563EDDD?SQnD373'q~,4D TRANSACTIONS Po~t Dete De~crl=tlon Tr~nlactlon Date Amount 07-21PAYHENT RECE/VED -- THANK YOU 07-~1 7E~17289212OeO~5170 0000 ACCOUNT SUMMARY ~ Pre~uus BMmlCe ~3,738.48 - C~dlb .~ 75.~ A A~IMMi ~dt .~ ~ Pl~t D~ Dele ~.~ A~rige ~NU~ DMIy .~ ~ of Bllan~ DMly ~RCE~AGE ~d~= BMAn~ RA~ Rile 31~'- ..... 1~ 1~ -Pie, ql~nb other Charges + C~h Advances + FINANCE CHARGE -t- Late Charge = NEW BALANCE PROVIDIAN NATIONAL BANK We appre.c, iate y.o. ur ,business. Tnank YOU ACCOUNT NUMBER 5~18-2750-0212-5652 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED U~lm Cl~ok~ Pay.hie To DONALD E SHARTZER 514 BRANDY LN HECHANZCSBURG PA 17055-2807 PROVIDIAN MASTERCARD 000000 TRAH$_a_P_TIONS PoS Date DaecriDtlon 08-1$PAYHENT RECEZVED -- THANK YOU Trana Date Refemnc~ Number Amount ACCOUNT SUMMARY P~vious Balance $3,73~.1~ Credits .QO Payments 75.00 Purchases & othar C~ar2as .00 Cash Advances .00 fiNANCE CHARGE 87.12 Lata Charge .oo NEW BALANCE ~3,7~5.20 'O~y P~e ~ate ma~ vm PROVIDIAH NATIONAL BANK We appre.c, iate y.o. ur,business Tnank YOU: ' ACCOUNT NUMBER 5418-2750-0212-5832 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED IV.k. Ohm:k. P.,yab~ To ProvldMn DONALD E SHARTZER $14 BRANDY LN HECHAHZCSEURS PA 17055-2807 Page I o! 1 PROVIDIAN MASTERCARD 5418275002125832000740003717520 ITRANSACTIONS Post DoI~ Dam:rlntlon ~9-].&PAYNENT RECETVED -- THAM( YOU ACCOUNT SUMMARY Previous Balance ~3,725.~B - Cre~]ts - Payments 75.00 + Purchases & other Charges .(JO Cash Advances .00 FINANCE CHARGE 87.2~ Late C~arge NLNq BALANCE ~,71 ?.~ 3~,~-~--%~ 1523 1528 Tons Date Reference Numbar Amount 09-16 7S4172892S9000401900499 0000 7S,00 Py CU,-~UMER SERVICE PHONE NUMBER I PAYMENT INFORMATION NEW BALANCE 1-800-688-1866 crodlt ur., [Available Credit $282 Account Number 5418 2750 n~12 5832 [ Mlrdmum Payment: [Payment Due Date ~:i 10/lW~ Average ANNUAL ~/~iY[L J ~,a~menl DaM T~pe of Balance Dally PERCENTAGE P~rlodl~ ' ~/24/~) Belance RATE ' Rate Purchase $.00 19.g~% .0548 %x ~0 Dayn In Chh Advanco S3,721.30 21.90% .~6G2 % Billing Cy=la PROVIDIAN NATIONAL BANK We appreciate your business Thank You! ' ACCOUNT NUMBER 5418-2750-0212-5852 PAYMERT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED Pmvldl~n DONALD E SHARTZER ~lq BRANDY LH HECHANICSBUR8 PA 17055-2807 O00OO0 PROVIDIAN MASTERCARD 541827.5nrm2125832nDI37400tm3712970 ITRANSACTIONS Po~t Date De~crlDtlon 10-1BPAYNENT RECEZVEU --THANK YOU Tans Data Rofarence Number Amount 10-15 754177-897.88991400390747 oooo 74.00 PY ACCOUNT SUMMARY Previous Blllnce S3,717.52 Credits .00 Payments 74.~0 Purchases & fiNANCE CHARGE ~m.45 316161D00 1523 CUSTOMER SERVICE PHONE NUMBER I PAYMENT INFORMATION NEW BALANCE ~3,712.97 1 -800-688-1 866 Jc,',d, u~, Acc [AceltsMe Credit I287 ount Number 541e 2750 n~12 58~2 [ MlnlmL~n Paymenl 174.00 ',/,, · (Payment Due Dale 11/I~J~9 Avlr~gl ANNUAL DMly Type of Balance DMly PERCENTAGE Periodic BMlnce RATE Rile Purchase $.00 20.24% .0656%. C~h Advance ~3,718.81 21.99% Btm~rmnt 10/25/99 01 I~yl In Billing Cycle PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! ACCOUNT NUMBER 5418-2750-0212-5832 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED IV4kl (~h,,kl Ply,bio TO DDNALD E SHARTZER BRANDY LN HECHANZCSBUR6 PA 17055-2807 PROVIDIAN MASTERCARD 5418275nn2125832rmno74DDO370622tm TRANSACTIONS 11-15PAy#ENTP°St Date De~crlPtlonRECEZVED Tmna Date Rafarenc~ Numbor Amount I YOU 11-16 7Be,17289519991,~0Sl10791 $3,712.97 .OD 74.OD ACCOUNT SUMMARY Presfnu~ Balunc~ · Credits Payments Purchases & oUtmr Charges .OD Cash Advences .OD I~IANCE CHARGE 67.25 LAte Charga NEW BALANDE 1523 1528 CU~¥UMER SERVICE PHONE NUMBER 1-800-688-1866 Ar, count NLm~ber 5418 2750 []212 6832 PAYMENT INFORMATION NEW BALANCE S3,706.22 Crm~t Urm ~4,0~0 AvlJtsbts ~rldll $293 Minimum P~5'men~ $'/4.00 IPoym~N Due Date 12/'Ig/OD Average ANNUAL DMly Type of BiIAncB Dally PERCENTAGE PgHodic Balonc~ RATE ]Rata Purchase $1.07 20.49% .~861%~ Cash Advenc~ ~3,719~85 El.g9% .0602% Billing PROVIDIAN NATIONAL BANK We appreciate y. qur.business. Thank YOU~ ACCOUNT NUMBER 5418-2750-021Z-5852 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED Mok. Dh~km Paymbl, To Provld~an DQNALD E SHARTZER BRANDY LN HECHANZCSBURG PA 17055-2807 PROVIDIAN MASTERCARD 5418275002125832000740003706260 I I TRANSACTIONS Poet Date DancrlDtlon 12-20PAYNENT RECEZVEB --THANK YOU Trane Date Reference Number Amount 12-20 7541728956499140OSSOS96 0000 74,00 Py ACCOUNT SUMMARY Previous Bdmlce $3,706~2 - Credits .o0 - PaymeflLs 74.00 + Purchases & othor Charges .00 + Cash Advances .00 + FINANCECHARGE 74.04 + late Charg~ .00 ---- MEW BALANCE $3,706.26 315161no0 t523 CUSTOMER SERVICE PHONE NUMBER 1-800-688-1866 PAYMENT INFORMATION NEW BALANCE $3,706.~9 jcred;t Une $4,ooo AvilMble Credit I Minimum Payment ~ S'/4.00 ~Payment Due Date 01/21/00 Average ANNUAL Dally Type al' Balance Dally PERCENTAGE Parledlc 12/27/99 BManca RATE Rate Purchase $.00 20.40% .{F~81%= ~s Oaym In Cash Advance $3,724.g~ 21.g0% .0602% Billing PROVIDIAN NATIONAL BANK We appre.c, iate y.o. ur .business. Tnank YOU ACCOUNT NUMBER 5418-2750-0212-585Z PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED I$ DDNALD E SHARTZER $14 BRANDY LN HECHANZCSBURG PA 17055-2807 PROVIDIAN MASTERCARD 5418275002125832000740003697200 TRANBAC¥iOH$ I PElt Date DnlcrlDtlnn Tranm Dote RefernnceNmbor Amount 01-18PAYNENT RECEZVED --TIMHK YDU 01-16 7G~Z7?.aOO189914O&27149! 0001 7~.00 Py I ACCOUNT SUMMARY Credits .00 Plyment~ 74.00 Purchases & other Ohergos .E(] Cobh Adwince$ .O0 F/NANCE CHARGE ~.: + Into Chlrge . = NEW BALANCE ~1,69720 CUSTOMER SERVICE PHONE NUMBER I PAYMENT INFORMATION NEW BALANCE 1-800-688-1866 Cr',,"'t Uue IAvailable Credl Account Number 5418 2750 n')12 5832 Minimum Payment Poymen! Due Date Average ANNUAL Dally [ etMiminl i ~ of Balance DMly PERCENTAGE PlH~dic ~l 01/25/~0 BMonue RATE Rote PUr~lo$o $.nn ~G.49% .~6'1%~ ~ hym In DHh Advanue S3,717.t4 21.09',% .06C~ '/, Billing Cyaam 1623 162B PROVIDIAN NATIONAL BANK We appre_c, iate. y.o. ur,business. /nanK YOU! ACCOUNT NUMBER 5418-2750-0212-5832 PAYMENT DUE DATE AMOUNT ENCLOSED DONALD E SHARTZER $14 BRANDY LN NECHANZCSBURG PA 17955-2807 Page PROVIDIAN MASTERCARD 5418275DD212583200074000369n210 ITRANSACTIONS Pelt Dote DelcrlDtlon Trane Date ReMrenn, Number Amount ACCOUNT SUMMARY Previous Balance S3,007 ~0 - Crodts .IX) - Paynmms 74.00 + Purchases & other Ctutrges .~o Caoh Advances FINANCE CHARGE 67.01 NEW BALANCE ~3,6g0.21 1523 1528 CUSTOMER SERVICE PHONE NUMBER I PAYMENT INFORMATION NEW BALANCE 1-800-688-1866 cmdtt un, IAveilablo Credit Account Number 5418 27~ ~212 5832 IMinimum payment ~74.00 Payment Due Dote Average ANNUAL Type el' Bll~nco DMly PERCENTAGE B~Jance RATE Purchose $.00 20.74% C~sh Advenco $3,7D?.35 21 DMly I 8taUment O~e Periodic I ' 02/24/00 .(]602% I BIIIlflgCyale PROVIDIAN NATIONAL BANK We appre_c, iate y.o. ur .business. inane ¥ou~ ACCOUNT NUMBER 5418-2750-0212-5852 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED IMBM CIImdm PBy.ble Ta Provldln DONALD E SHARTZER 3Z4 BRANDY LN HECHANZCSBUR~ PA 17055-2S07 Page 1 of 1 000000 PROVIDIAN MASTERCARD 5418275BO2125832BOo74nrmo3689880 TRANSACTIONS Pa~t Date De~crlDtlon 8$-2OPAYHENT RECE/VED --THANK YOU Trina Dire Reference Number Amount 05-20 7~17280080991~00910925 0000 7~,00 Py ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous BMance $3,69021 NEW BALANCE S3,~8~.B8 . Cr, d,t, ..0 1'800-688-1866 Cnldlt Une - Plymenb 74.G0 Available Credit ~310 + Purofla~es & Account Number 5418 2750 0212 5832 Minimum Payment $74.00 Olllar (~harga. .GO Payment Due Data .~, 04~ + C~h Advances .00 + ~AM.A/~£ ~HAROE 73.87 Average AA/A/UAL Daily'? :' 8tammm Oma = NEW BALANCE S3,880.88 ~ of Balance Dail~ F~.~£A/TAO£ Parlod~,~ 0:3,'28/00 Balanca icL4~ Rata Ptrdmsa $.00 ~Q.74% .G680%s ~tS 0aye Irt Canh Aclwncc ~3,7Q5.70 21.g~% .GeG2 % BIllinG Cy~b PROVIDIAN NATIONAL BANK We appre.c, iate y.o. ur ,business. Tnank YOU ACCOUNT NUMBER 5418-2750-0212-5832 PAYMENT DUE BATE MINIMUM PAYMENT AMOUNT ENCLOSED DONALD E SHARTZER 314 BRANDY LN NECHANZCSBUR8 PA 17055-2807 Page 1 of 1 PROVIDIAN MASTERCARD 5418275002125832000740003678410 NOI~CEOFCNANQETOTflETERMS OFYOURACDOUNTAGREB4ENT, Pl~a~hNptM. n.tl~e f~ TRANSACTIONS Post Dote De.crlotlon I4-21PAYHENT RECEIVED --THANK YOU Tone Date Reference Number Amount ACCOUNT SUMMARY Previous BMance - Credlb - Payments + purch~ces & other Chm~es ¢l~h ,k~vlnces fiNANCE CHARGE NEW BALANCE J CUSTOMER SERVICE PHONE NUMBER I PAYMENT INFORMA'flON $3,SPA.B8 NEW Bo, LANCE .o 1-800-688-1866 Cred t Uce,,',~ 741O0' I A'e".BI. Account Number 5418 2750 n912 _r~__.~_ Mlnlm~n Poymenl ~ ,_O(~_ Payment Due Dat. .uu 82.~3 Average ANNUAL $3.878.41 Type of Balance Didly PERCENTAGE BMance RATE Purchase $,00 20.74% Cash Advance $3,708.74 21.99% 1523 1528 $3,~78.41 05/20/E0 ~ DIVa In Billing Cy=b PROVIDIAN NATIONAL BANK We appreciate your ,business. Thank You; ACCOUNT NUMBER 5~18-2750-021Z-5852 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED DONALD E SHARTZER $Z4 BRANDY LN HECNANZCSEURG PA Z7055-ZS07 Page I of 1 0ooooo PROVIDIAN MASTERCARD 5418275002125832000730003670980 14## m the .mlo#d Important I~ntlon mbont Provldkn ymlr ITRANSACTIONS Powt Date De.crlDtlon EE-],EPAYNENT RECETVED --THANK YOU I Trane Dete Reference Number Amount J 0E-~LE 7E4].7280].B&gg].4;,~_x!S_=2 O00O 74.00 Py I ACCOUNT SUMMARY Previous Balence ~3,878.41 · Credits .00 - Peymeflts 74.E0 + Purchases & other Charges .ag 4- Oath Advances .00 + FINANCE CHARGE 66.57 = NEW BALANCE $3,670.98 CUSTOMER SERVICE PHONE NUMBER I PAYMENT INFORMATION NEW BAI.~NCE $3,670.g~ 1-800-688-1866 Cr.d.U.. *~,OO0 IAvailable Credit S3oo Accnuflt Number 5418 2750 0212 5832 ] Minimum Pa]relent $'/3.00 I eynllnt Due.Date , ~. Average ,. .ANNUAL ~ Type of Balance Dally .,: PERCENTAGE BMance RATE Ra[o r~ Pur~tese $.00 ' 20.g0 % CJnh Advance S3,883.43 21.90% .~6E2% ~84840001~3 t~28 ~0 Dnyi In Billing Cyo[e PROVIDIAN NATIONAL BANK We appreciate your .business. Thank You~ ACCOUNT NUMBER 5418-275D-0212-5852 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED ProvJdbln DONALD E SHARTZER 314 BRANDY LN HECHAN/CSBURG PA 17055-2807 Page 1 of 1 000000 DIM it your favorite PROVIDIANMASTERCARD 541827500212583200~73000366222D TRANSACTIONS Poat Date De~crlDtlon O&-lqPAYHENT RECEZVEB --THANK YOU Trane Dote Reference Hmber Amount ACCOUNT SUMMARY Pre~ous BMnnce ~3,670~8 Credits .oo Payment1 73.00 other Charges C~h Advenves .00 F/NANCE CHARGE' 64.24 NEW BALANCE CUSTOMER SERVICE PHONE NUMBER I PAYMENT INFORMATION MEW BALANCE 1-800-688-1866 Crad,t Un,, [AvallaMe Credt Account Number 5418 2750 ~12 5832 r Minimum Pnymenl payment DUI Dale Average ANNUAL Type of BnMnce Dally PERCENTAGE Balonco RATE Purchoso $.nn 21 24 % C;mh Adwnce ~3,67N.80 21 317-~wuu 1523 1~28 Dally ~: 8.t~m~nt D~m Periodic. ' 06/23/OO Rnt.' ..... PROVIDIAN NATIOHAL BANK We appreciate your .business Thank You~ ' ACCOUNTNUMBER 5q18-2750-0212-5852 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED DONALD E SHARTZER $1q BRANDY LN HECHANICSBURG PA 17055-2807 PROVIDIAN MASTERCARD 5418275002125832001480003762490 Summor Ia brol Enjoy tho flox]ldllty of uelng your Prov~lam mdb ~lrcL I MESSAGES FROM PROVIDIAN MA-,/=KCARD ACCOUNT SUMMARY Pr~ou$ Balllnc~ ~3,~222 Credits .GO Pa~nt. .~ + ~N~E C~ 71.~ (P~o~ ~e ~tl 07-1~ CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE , ~3,782.49 14300-688-1866 or. It un, ~ S4,ooo I Available Credl ' 837 Account Number 541B 27.50 0212 5832 Mlnlmrrn paymln~l ~148.00 Ip, *n, D. Datb i 00/10/00 Avmrlge ANNUAL Dally I Irrinl DIM Type of Balance Dally PERCENTA~3E PerledlcI 07/25/00 Balance RATE Rite PtJr(dlase $.OO 21~4% .~%~ 12 DIya In Oa~h Advance ~3,ees.s4 21 .g9% .o862 % Billing Oyel~ ~mm=uuul~3 1528 PROVIDIAN NATIONAL BANK We appreciate your ,business. Thank You ACCOUNT NUMBER 5~18-Z750-OZ12-585Z PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED lIMIm Che~ka P~ysbil To PmvMiln DONALD E SHARTZER 314 BRANDY LN HECHANZCSBURO PA 17055-2807 Page 1 of I PROVIDIAN MASTERCARD 54182750021258320Dn74 DD03683690 TRANSACTIONS Po~t Dat~ Description 8B-BTPAYHENT RECEZVED --THANK YOU Tmna Date Reference Number Amount FY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previou~ BMance $3,782.49 NEW BALANCE $3,003.00 · cr, mb .oo 1-800-688-1866 cma,, uue ~,000 · Payments 148.00 Avillable Ccedl $318 + Purchlces & Accounl Number 5418 2750 no12 5832 Minimum Payment $74.00 other Charges .00 Payment Due Data 00/19/00 + CBh Advances .00 + FINANCE CHARGE 0020 Auerage. ANNUAL DMly = NEW BALANCE $3,683.00 Type of Balance Daily PERCENTAGE Periodic 08/25/00 Balance I/ATE Rate Purchase $31,47 21,74% .000e %. I1 D~/I In Cash Advance $3,683.83 21~9% .0002 % Billing Cyan PROVIDIAN NATIONAL BANK We appre.c, iate y.o. ur ,business Tnank YOU! ' ACCOUNT NUMBER 5q18-2750-0212-5852 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED DONALD E SHARTZER BRANDY LN HECHANICSBURG PA 17055-2807 Page I of 1 000~00 PROVIDIAN MASTERCARD 54182750n2125832nn149nrmD37821nf IMESSAGES FROM PROVIDIAN MA,~'i~:KCARD I ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE ~ ,~ ~3,782.10 Previous BMance $3,683.6~ 1-800-688-1866 cr~t uce - Credits .00 - Payments .00 Avail-Me Credit ~217 + Purchases & Account Number 5418 27~O 0212 6B32 Minimum Peymel~,i ' :~ ~49,(X) olher Chlrge$ .M] Payment Duer Dali*j, ~ 10/20/00 + Cash Advances .00 + FINANCE CHARGE ~e.41 Awrlge ANNUAL [~llly Bliilmln! Dltl + Lite Charge 29.D0 Type o! Balance Daily PERCENTAGE Pedodlc 09/25/00 (Previous Due Date 09-1g) Balance RATE Rate ---- NEW BALANCE t3,782.10 Purchase ~1E.98 21.74% .Mg6%x SI Diy$ Im Cash Advance $3,700.03 21J9% .0aU2 % Billing PROVIDIAN NATIONAL BANK We appreciate y. qur ,business. Thank YOU! ACCOUNT NUMBER 5418-2750-0212-58~2 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED MIk~ Chloka P~yeb~e To DONALD E SHARTZER 314 ERANDY LN HECHANZCSBURG PA 17055-2807 Page 1 of 1 PROVIDIAN MASTERCARD 541827500212S83EOO226OOO388nO4D MESSAGES FROM PROVIDIAN MAAitKCARD I ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBEF PAYMENT INFORMATION ~ NEW BALANCE Previous Bdlncl S3.78~.1 s 1-800-688-1866 e,~dt u,~ · ~mdlts .00 S4,0QO - Payments .00 Avalbd~li ~'$dlt $110 + Purchnsns & Account Number 54'18 2?60 0~12 6832 Minimum Plymen! $22N.00 other Chlrgea .00 Plyl~ent Due Dlln 11~1~00 + Cash Advances .00 + FINANCE CHARGE B8.94 Average ANNUAL DMIy Bt~/nmm OM + Late ~hal'~ ~l.00 Type ol' Balance Dally PERCENTAGE Periodic '10/25/00 (Previous Due D~tn 10-~]) Balance RATE Rain = MEW BALANCE I~,B80.04 Purchisl P~18.53 21.74% .~S~6%~ ~0 Dlya In Cash Advance ~,768.S1 21.00% .(~(]2 % BIIIlflg PROVIDIAN NATIONAL BANK We appreciate your .business. Thane You., 5q18-2750-0212-5S32 PmvIdhmn DONALD E SHARTZER $1q BRANDY LN NECHANICSBUR8 PA 17055-2807 Page 1 of 1 OOOO00 PROVIDIAN MASTERCARD 54182750021258'=I2DO3050DO397977D Gnt up-to.dm~ m:ceu nt Informchon anytime you weB( nt www.prov Mbno nlnm.eom. You oun pay your Mil, ~M· up for the My ToolcItCem ) e-usdbt, or ·nlw ·hopping disouu m I I MESSAGES FROM PROVIDIAN MASTERCARD Your Imymout dim tritium ouy pout due amount tbit muir bi paid Immedntdy to avMd furtlmr ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE S3~70.77 Previous Balance S3,800.04 1-800-688-1866 - C~,d. uce S4,000 - Credits .00 · Payments .00 Available Credit ~ + Purchases & Accaunt Number 5418 27~9 0212 5832 Idlldrnum Payment S300.00 other ~hergms .00 Payment Due Dale 12tl9/00 + Cash Aclvmncou .00 + fiNANCE CHARGE 70.73 &wregl ANNUAL D,,'Iy Btotornmnl Dram + Lmth Cherge 29.00 Type of 8mlmnce Dally PERCENTAGE Periodic 11/24/00 (Previous Due Dulm 11-19) Balance RATE Rate = NEW BAI..~NCE S3,979.77 Purchl$1 ~78.63 21.74% .__,~__ %* '~0 Dray· In Cm~h Advance S3,837.32 21.gg% .G6~r2 % BlJllna CyuJm PROVIDIAN NATIONAL BANK We appre.c, iate. y.o. ur ,business. TnanK YOUi 5d. lS-;'75 D- n 212-5052 DONALD E SHARTZER S1~ BRANDY LN HECHANZCSBURG PA 17055-2807 Page 1 of 1 oooooo PROVIDIAN MASTERCARD 54182750021258=IEDD3860DD408.",630 MESSAGES FROM PRO¥1DIAN ~ i I:NCARD Your I~cou st I~ pest duo and mu it be I~ld Im med~atlf ~ ~M ~ ~ ~ ACCOUNTSUMMAR¥ CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance $3,079.77 NEW BALANCE ~4,098.63 · Cr, dlt, .ne 1-800-688-1866 Cmdl, Um - Payrcents .00 Avatlabla Credt . $00 4- Purchases & Accounl Number 5418 2750 0212 5832 M nlmum Paymlnl~'~ other Charges .0O Payment Dim Date 01/'21JQ1 + Cash Adwnces .00 + ~NANCE CHARGE 79.88 AvErage ANNUAL Didly Ststermnl + Lath Clllrgm 29.00 Type of Balance Daily PERCENTAGE PeHo~c 12/27/00 (Previous Due Data 12-t9) Balance RATE Rate = NEW BALANCE $4.088.63 Purchlce $107.36 21.74% .0596%, 3S D~ya In Cash Advance $3.910.84 21.99% 1~3 1~28 PROVIDIAN NATIONAL BANK We appreciate, y.o. ur ,business. Thank YOU. 5q18-275n-0212-SR$2 DONALD E SHARTZER 314 BRANDY LN MECHANICSBURG PA 17055-2807 Page 1 of 1 000~O0 220 PROVIDIAN MASTERCARD 541827SrlgE1258320416315041631srm ACCOUNT SUMMARY CUS'I'OMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE ~4,163.15 Pre~d,m Be,,= t4.,,8~3 1'800-2804)559 Credit Uue - Crldlt~ - Payments .O0 Avatlatde Crlc~t + Purchaaes A Account Number 541B 2750 0212 5832 Minimum Payment ~4.163.15 other Charges .00 PaWnmlt Due Date + Cash Advances .00 4- FINANCE CHARGE 74.52 Average ANNUAL Dally gfatemest Oate = NEW BALANCE ~4,163.15 Type of Balance Dally PERCENTAGE Periodic 01/2W01 Balance RATE Rate Purchase $t38~a, 21.74% .__n6~,__ %. ~0 Oaym Iff Cash Advance ~3,985.73 2t .g9% .0602% Billing C~Uuuv~m~ 1523 1528 THIS IS AN ATrEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. PROVIDIAN NATIONAL BANK Access to credit Is essential In today's wortd. Bringing your Provldlan account to PAID status would be an Important step toward Improving your credit record and restoring your access to cmdR. 5418-2750-0212-5852 DONALD E SHARTZER $14 BRANDY LN HECHAN/CSBURG PA 17055-2B07 Page 1 of 1 oooooo PROVIDIAN MASTERCARD 5418275002125832042391104239110 ACCOUNTBUMMAR¥ CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE ~4,238.11 Previous e.tanuo ~1,1,3.~ s 1-800-280-0559 Credit Une · Credits .00 ~4,000 - Paymonts .00 Avmllablm Credit 4. Pu~hasus & Account Number M'I8 27~0 0~J2 S832 MMfmLmm Paymont othm- Charges .00 Pa~ccflt Duo Ditto 4- Chh Advamuos 4- ~TAM. A~'E C~Uq*OE 7S.98 Avorego ,dj'VNUAL Dolly Matnmnm~ = NEW BALANCE ~4,2'm.lI Type of Ballncc Dally PERCENTAGE Pm'lodlc 02/26/01 Balacco RATE Rate Purchase S7.48 21.74% .0506%. 9t Dlyl In Cash Advance ~4,MB.B3 21.90% .~602% Billing CyOb 1528 THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE U~ED FOR THE PURPOSE OF COLLECTING THE DEBT. PRO¥1DIAN NATIONAL BANK Access to credit Is essential In today's woHd. Bringing your Provldian account to PAID status would be an Important step toward improving your credit record and restoring your access to credit. DONALD E SHARTZER $1q BRANDY LN MECHANZCSBURG PA 17055-2807 220 PROVIDIAN MASTERCARD 5418275002125832005540004239110 --PLEASE BEE ENCLOSED NPORTANT LEGAL NOlrlCE CONCERNING THE ADDIllON OF AN ARBrrRA11ON PROVISION TO YOUR ACCOUNT AGREEMENT. PLEAS E READ IT CAREFULLY AN D KEEP IT FOR YOUR RECORDS.-' ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT IN FORMATION Pre~ou~ Balance ~4~39.1t NEW BALANCE $4~38.11 . cra-.b .Do 1-800-280-0559 =ra,.t un, - Peyment~ .DO Available Dracll + Purchases & Account Number 5418 2750 0212 5832 Minimum Payment ~554.DO nther Charges .DO Payment Due Dale 04~22/01 + Cash Advances .DO + fiNANCE CHARGE .DO Average ANNUAL Dill~/ .u~lenl~nt Date ---- NEW BALANCE ~4~3e.ll Type of Belacce Dilly PERCENTAGE Perl~ ,'i n3/2B/01 Balance RATE Rml~. Purchase $.DO .DO% .ODO0 % ~o ~eya In Cash Advance $.DO .DO% .OOOO % Billing CyaJl PROVIDIAN NATIONAL BANK We appreciate y.o. ur ,business. Thank YOU! PAYMENT IMAGE RETRIEVAL SYSTEM Pdnt Date: 11/02/2001 Time: 01:21 pm Account Number Tran Date Payment Amt Minimum Pmt Outstanding Bal 5418-2750-0212-5832 08/13/1999 DONALD E. SHAR'I'ZER 314 BRANDY LN $75.00 $75.00 ~,733,14 1815' No Back Image Available EXHIBIT PAYMENT IMAGE RETRIEVAL SYSTEM Pdnt Date: 11/02/2001 Time: 01:20 pm Account Number Tran Data Payment Amt Minimum Pmt Outstanding Bal 5418-2750-0212-5832 02/16/2000 $74.00 $74.00 $3,697.20 DONALD E. SHARTZ£R 2119 3,14 BRANDY LN PAYTOTHE ~ ,. ~'~ · PNC 'AN ea-' / I'-D:~&3&2?~,~m: 2&~.q ~5~.1.0~?=,?-.52::t~,, - ~ '"'" No Back Image Available PAYMENT IMAGE RETRIEVAL SYSTEM Print Date: 11/02/2001 Time: 01:19 pm Account Number Tran Date Payment Amt Minimum Pmt Outstanding Sal 5418-2750-0212-5832 03/20/2000 $74.00 $74.00 $3,690.21 · . DONALD E. SHARTZER · ' ' " 2140 No Back Image Available elqel!e,",V eSeml ~ee ON DONALD E. SHARTZER 314 BRANDY LN MECHANICSBURI3, PA 17055 PAY TO THE .~ BB'6B9'£$ 00't,Z$ 00't,i.$ 000~ll-E/t,O leE] 5u!puelsl. no ItUc:l uJntu!u!l~l lu~ )uetu,(ed eleo ueJ.L Jeq~nN lunoooy md Z!,:!.O :emil I. O0~/EO/!,I. :elco lU.Ud I~:I.I.~A$ 'IVA::III:LL':I~I ':IDVIAII .LN=IINAYd elqel!eA¥ eSeuJI ~ioe8 ON DONALD E. SHARTZER ·. 2156 3~4 BRANDy LN MECHANICSBURG, PA 17055 80-1273/3'13 ~c ~ X~ e ~oHW 00'1,"$ 000~/cJ L/~0 leg §u!puels~no lWd wnw!u!lN lw¥ luew,<ed e~eo ueJ.L JeqwnN lunooov uJd H,:~,0:auJ!l L007.J'&0/H. :e:leo~,u!Jd PJ=IISA~ 9VA'gl~l~ 3E)¥1NI -LN31/~.Vd elqel!aAV el~eu~I ~:~e0 ON DONALD E. SHARTZER " 314 BRANDY LN MECHANICSBURG, PA 17055 PAYTOTHE ~'~. ~. * ORDER OF : '2173 60-1273/313 106 g6'0Z9'£$ 00'£Z$ 00'£Z$ 000;~/t,~,/90 E£gg-E~,E0-0gz;~"g~,t~g leg 5u!puelslno ltUd wnw!u!lN lwV iuew,(ed eleo ueJJ. JeqtunN ~,unooo¥ md 0L:[0 :euJ!.L ~.007,Fg0/I.I, :eleQ lupd IN'::I.L~;~,S ']yAqlaJ.:lld ':lOVl~l .LN31NXVd VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 E. State Street Doylestown, PA 18901 (215) 348-5200 PROVIDIAN NATIONAL BANK Plaintiff VS. DONALD E. SHARTZER Defendant CUMBERLAAID COUNTY COURT OF COMMON PLEAS NO. 01-5717 CERTIFICATE OF SERVICE Valerie Rosenbluth Park, Esquire certifies that she is the attorney for the above named Plaintiff in the instant action and that on November 8, 2001, she served a true and correct copy of the Amended Complaint, by mailing the same by U. S. Mail, postage paid, to the person and at the address set forth below: Attorney for Defendant John R. Scheidemann, Esquire 352 South Sporting Hill Road Mechanicsburg, PA 17050 PARK LAW ASSOCIATES P.C. VALERIE ROSENBLUTH PARK, ESQUIRE ATTORNEY FOR PLAINTIFF JAMES M. BACH Attorney at Law 352 S. Sporting Hill Rd., Mechanicsburg, PA 17050, Tel: (717) 737-2033 Providian National Bank Plaintiff Donald E. Shartzer Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 01 - 5717 CIVIL TERM PRELIMINARY OBJECTION TO AN AMENDED COMPLAINT AND NOW COMES the Defendant by his Attorney John R. Scheidemann and files the within PRELIMINARY OBJECTION TO AM AMENDED COMPLAINT. DEMURRER. The complaint, as written does not state a cause of action against the Defendant. 2. MOTION TO STRIKE COMPLAINT. In Paragraph number 8 the complaint states that the Defendant has acknowledged the validity of this account within the applicable Pennsylvania Statute of Limitations. This is a legal conclusion for which a response is not required, however since it contains a language of an acknowledgement this paragraph must be stricken as scandalous and impertinent. MOTION TO STRIKE FOR INSUFFICIENT SPECIFICITY IN A PLEADING. The amended complaint attaches as an exhibit, ledgers, and payment history but does not show that the Defendant has signed and made purchases to account for the balance, which is due. The exhibit contains history of the account but does not show what purchases were made, when they were made, and if in fact Defendant Donald Shartzer used this account and signed for this account. Accordingly, this complaint should be struck for insufficient specificity in a pleading as required by the Pennsylvania Rules of Civil Procedure. WHEREFORE, dismissed. Defendant respectfully requests that the within Complaint be Respectfully~/~itted, . J6~. ~cR~demann,~y-at-Law 352 S. Sporting Hill Road Providian National Bank Plaintiff vs. Donald E. Shartzer Defendant IN THE COURT OF cOMMON PLEAS OF CUMBERLAND cOUNTY, PENNSYLVANIA NO. 01 - 5717 CIVIL TEP/4 CERTIFICATE OF SERVICE I, JOHN R. SCHEIDEMANN, Attorney-at-Law, do hereby certify that to the parties listed below, a copy of the foregoing: 1. PRELIMINARY OBJECTION TO AN AMENDED CIVIL COMPLAINT 2. CERTIFICATE OF SERVICE By placing a copy of same in the ~nieed States Mail, first class, prepaid, on the 27~ day of November, 2001 to: OFFICE OF THE PROTHONOTARY CUMBERLAND COUNTY COURT HOUSE ONE COURT HOUSE SQUARE CARLISLE, PA 17013-3387 PARK LAW ASSOCIATES ATTN.: ATTORNEY VALERIE ROSENBLUTH PARK 25 EAST STATE STREET P. O. BOX 1779 DOYLESTOWN, PA 18901 I have mailed postage November 27, DATE DONALD E. SHARTZER 22 SINCLAIR ROAD, UNIT MECMANICSBURG, PA 17055 AND TO ALL THOSE LI 2001 ~ ~ -- ,/~JOHN R. ~E~DEMA~N Attorney I.D. No. 86772 352 South Sporting Hill Road Mechanicsburg, PA 17050 717-737-2033 JAMES M. BACH Attorney at Law 352 S. Sporting Hill Rd., Mechanicsburg, PA 17050, Tel: (717) 737-2033 VALERIE ROSEN-BLUTH PARK, Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 East State Street P.O. Box 1779 Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF ESQUIRE IN THE COURT OF COMMON PLEAS OF CDMBEPJ~AND COUNTY, PENNSYLVANIA PROVIDIAN NATIONAL BANK Plaintiff VS. DONALD E SHARTZER Defendant 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. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE Carlisle, PA 17013 (717) 249-3166 (800)990-9108 THiS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. VALERIE ROSENBLUTH PARK, ESQUIRE ATTOR/~EY I.D. 72094 PARK LAW ASSOCIATES, P.C. 25 EAST STATE STREET, P.O. BOX 1779 DOYLESTOWN, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF PROVIDIAN NATIONAL BANK 219 MAIN STREET TILTON, NH VS. DONALD E. SHARTZER 314 BRADY LANE MECHANICSBURG, PA 17055 CUMBERLAND COUNTY COURT OF CO~ON PLEAS PLAINTIFF : DEFENDANT : NO. 01-5717 SECOND AMENDED COMPLAINT COUNT I - CIVIL ACTION - LAW 1. The Plaintiff is Providian National Bank, a national banking association, located in New Hampshire and existing under the laws of the United States of America with a place of business located at 219 Main Street, Tilton, NH. 2. The Defendant is Donald E. Shartzer an individual residing at 314 Brady Lane, Mechanicsburg, Pennsylvania. 3. At the request of the Defendant, Providian National Bank issued to Defendant a credit account, specifically a Providian Mastercard Account. The account number now is 5418-2750-0212-5832 and at all times relevant hereto, Defendant was the holder of said credit account issued through Plaintiff's credit facilities. 4. Upon Defendant's acceptance and use of the credit account, Defendant agreed to be bound by the terms and conditions of the account agreement. A true and correct copy of said agreement is attached hereto, made a part hereof and marked Exhibit "A." 5. The Defendant incurred obligations on the account in the sum of $4,163.15, no part of which has been paid since January 27, 2001 although duly demanded. A true and correct copy of the account statements are attached hereto, made a part hereof and marked Exhibit "B." 6. The account statements, attached and marked as Exhibit "B," provide a detailed explanation of charges incurred by Defendant on the Credit account. 7. Over a period of years, the Defendant continuously utilized Plaintiff's credit facilities and during that period, the Defendant made numerous payments on the account, acknowledging the debt. A true and correct copies of checks made payable to Providian National Bank and endorsed by the Defendant is attached hereto, made a part hereof and marked as Exhibit "C." 8. Plaintiff alleges that the Defendant accepted and used a credit account issued through Plaintiff's credit facilities and that acceptance of the terms of that credit account are evidenced by the charges incurred by Defendant on the account as well as Defendant's subsequent payments in accordance with the terms of the account agreement. It is not necessary for Plaintiff to attach a contract signed by the parties since the contract was accepted by Defendant through Defendant,s conduct rather than the Plaintiff and Defendant actually signing an agreement. 9. 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. 10. In accordance with the terms of Exhibit "A", Defendant agreed to pay a finance charge on all sums due at an annual percentage rate of 21.90% and Plaintiff is entitled to additional finance charges from January 27, 2001. 11. In accordance with the terms of Exhibit "B", Defendant agreed to pay a 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 $707.00. WHEREFORE, Plaintiff demands judgment against the Defendant in the sum of $4,163.15, plus interest from January 27, 2001, plus attorney's fees of $707.00 and costs of this action. ALTEP~NATIVE COUNT I - QUANTUM MERUIT In the event it is determined that no oral or written agreement existed in fact or law between Plaintiff and Defendant as alleged in Count I, the Plaintiff alleges as follows: 12. Plaintiff realleges each and every allegation contained in paragraphs 1 through 11 of this complaint and incorporates each paragraph herein by reference as if the same were set forth at length. 13. The Defendant received a monetary benefit of $4,163.15, which was in fact appreciated by the Defendant. "Appreciated by the defendant" meaning among other things that the Defendant received a benefit from the Plaintiff by utilizing the Plaintiff's credit facilities and incurring charges on the Providian Credit Account. 14. The Defendant accepted the Monetary benefits of a credit account issued through the credit facilities of Plaintiff. "Accepted the Benefits" means among other things that the Defendant either passively or actively received benefits from the Plaintiff which would be unconscionable for him to retain without repaying the Plaintiff. 15. By virtue of the circumstances surrounding the request for funds made, the defendant knowingly requested the funds in issue and knowingly and voluntarily accepted the benefits bestowed. 16. It would be inequitable for this Court to allow the Defendant to retain the benefits of the funds or to be unjustly enriched at the expense of the Plaintiff or allow the Defendant to retain the value of the funds at issue without repaying the Plaintiff the value of same. 17. In accordance with the law, there is interest due at the rate of 6% per annum from January 27, 2001. WHEREFORE, Plaintiff demands judgment against the Defendant in the sum of $4,163.15 plus interest from January 27, 2001 and costs of this action. PARK LAW ASSOCIATES, P.C. V~ERIE ROSENBLUTH PARK, ESQUIRE a Designated Agent this action, and I VERIFICATION SUE ORTEZ , declare that: I am of PROVIDIAN NATIONAL BANK, the Plaintiff in am duly authorized to make this verification as to those matters, I believe them to be true. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. I declare under penalty of perjury that the foregoing are true and correct. Executed at Alameda County, in the State of California. Date Designated Agent- ORTF..~, contents thereof; that the same is true of my own knowledge, except as to those matters stated on information and belief and, on its behalf. I have read the foregoing complaint and know the Provl&an National Bank VISA~ or MaaterCard~ Account ~m~t for D~d E S~ ~W 3, 2001 ~s m~ ~'~ ---.~ .-.. ~o~2t'.---. .- ~z~ ~ ~ I~.~,-u~ ,,,..wu~,, %,u ,~ ~ Jeu~ M~I~.. ~1~ ~i~ ' ~ ~ ~m a ear ~ [~8 a I I 8am t ~ ~ r t u~ ~ ~ o ~ ~ ~~ (~ ~ ~~e~ ~ ~)~ ~fl~ ~1. ~. ~ ~ ~1~ ~ ~ I~t ~n~l ~ h , Ca~ ~ a ~ ~ ~ '~,a ~ t~. ~t ~11 in ~ ~NU~ PERCE~AGE M~ ~ ~ ~ is 21.99%, ~ ~ a MN ~o ~ ~ 0.~5%. ~ ~UllU ~.nlG ~ [IS~I [( )'~ ~lll , ~ ~e a ~1~ f~ ~ ~2 ~ ~ ~. If ~ ~t ~t ~ ~ake a o~ au~Uo pa~e~ from your pe~:~al checking ;~ccqunt, we rp. ay,cllarge your credt cpn:l.a~ount a fee of ~.gS, for each request This fee is a FINANCE CHARGE, I apr~ regardless of whether TL~ are avaJa3e ~n your persona cheddng account to maxe me payment. ~e ropy phprge, a tmnsap[l~.fee qf 3.°',6 (re. in mum $5), wt?ich ip .a. oue:.tiFn .e FINANCE CH. ARG. E, on ~ ~ .oun. t of ea~..h cash advance including an¢lal ir&~D~uoRs, afl(3 Al MS Wire Vansef~, morley oroem, ioEery acf(ets, Csslrlo gaming chips, ana a~iar transactions, cash bom · -~lt'.~1~* ,,=x, ~ ~u.. Ja~.~c"ga[u°r~l~ ./T~at/~yU~/~]~)8 m .11' you n a°elaUl[ we ~, wi~-I ~ulTner arid or ti~e, el'vour Cr~l..R .Une..yo~ credit Ii.ne is spe;ifl~l from time to ti .me...in a. sepqrate rip. tlce...Your rnon. th. iy .s~tements show your ..c{'edt line and the amount of ur i~[.~.u...l:~y~E~__,~[ cnecK,.We may.tm[ .'/~ur avallan(e, cr~:l.l[.wnde we connrm lhat the ~aed( will clear. For ce~t~l]n-transsc n ~F,i:-',q~.q~i~,%,~ ~uu w,~ nor use your P, ocoum/o~, ano we may re~Jsa [o honor, any transsc/dan which would cause ~u to ~ your ~°i~l;'F.~J"Ti:' _ ~ availab Proml.~e to Pay. ¥oq promise to ~ay us when clue all amounto borrowed v/nan yqu or someone .el~e use Your Amount (even i * mount Chart e~. we p. dm .afny rice ired I , we aha e any qf this reement and re an . If c continue to bse ~,~xx~nt. w~-,y ~.,,~=,J to ),our/~oun[ ~eTore me ome of me Change, an, Will apply wnemer or not you '~me t %). If a la s e . i n for a ~n on, it vail be decreas the same e. The,~ co ' ~oi~a~u .~ = the ~on(3c~te ~s-~ul~" '~e~ing ~t off the ~efi you used your m.ed~ agree tol~ta~ oonve~mo~?n ~ The Card' Cancell on. You cancel .crec~t I atan fi b .tif,/i usin 'ng nddss 'ngtheC ). Upop. the i ' at t~ ~' . C .IS ............. , .,_~..~ ,, an(~ omar Tees Will corl~l ue Iq De paym Icoutinueto due,'andallothdr IIc:~ble IonsE-th[~' reemani'~/i~ I ~l~e,~e~f c~a~ (~l~t renew ~eb~ard, you may no toner wdte P~s on your ~K:cA~unt, ~-~ vo(J ~o~] ~e~lrov ~Yu~nu~k~wer ~ Personal *lnfonnatlc .................. ]~"' ~ D,o?_u__m??~:__Y.ou__~!l~,,cb us ~_le/ast 1.0..days.rip. tice i.f yqu.ohange y~..r name, ho.rpe o.r mailing~..aj:t~m..s?, teleohone numbers, il~i[pcfllgq[edtrepol) yu.qr/~G un[lo e~s. em ~also linc .mJo wtmour Cuatomer SefYIsa; I. n.a_..u~, o~_flzed .,U~_,_~?_s~ or,,.Th_e~t~__o~.~,ec~..!.o.r the..Card. Eacl~ Cpl,. must .~ .~igrlqd m .repaipt, You are..re~oonsible for ~n~._~, ~ ~.l~drsma~f~mCa~=rm~m~l}..~.rl. .~s~lv~r ~l~a. .a~..~..ss to AUto~a.Le.d.. Tale? Mac~,,.ang any qhecks i~ued to you · you no ~ of a sao,maoaq3or,ssuey( an~ew~?~'~'s~eTj~n:l.ia tor~o~, .lip. des allkthecksn sa anc~saounty, youagra,thatyour~er~L~.~)~ernon, lat~or~ ~P~ ~ yourp:3sse al. Tolmprove~Pstomerservice 'hiitoa.n.t_.Relall,.,.o._np: We ~ll not ~..I.[abJe if any. pamqn or .Automated. Tell.er~.a.c.h. ine_ .rafpses.tohonorthe.Cardor;~cc t rc s orfail o th n_ _ _~m mar.are awl. I~le ~th the A~:count am pro~d~l by third-paly vaxt~ We are not resp~Nble roy the caJaliN.'~,-~-~re'~'~-to-~-;~ S6~I~SS you ~,rloose to ~se. "- "~'-'", ..... ~, ' -! -'~ ,,:~;a ~~-~ ____Stop Payme.t Ordem. If You wish to stop pa,,.mant m a ot~ack, y;u.may Se~d us a st;e i~m~t order by wdt]m~ to usat our a~es~ for customerl~me~ce mechtalJ~ h, wi""'",t Our ~u..o~..~.y. ~ ........... ~ ~.a,~y_ ___~____p~o_ _.~1~. aliD .W~ll pe sel).t to.. us,. b~..t~ .o~l. a in y~..ur. AC~OUI~ Wifl I:)e IW~ousss~ exarnl ;~i Q18 an ~gvl I m, u WiICal our onto n mmswnlo we ~,exami b, Wewill 8acausa of ourlimitad revi-,,, ~td~'~ ~"e~""th~ .... ~.,c~,=c~,ks~,~..~_a.~ .,e__wn_~__w~_,[n g_..,o~, [a__m. Wi, ~ I.n..a..munmt .~..rig ~../~[ shoed be .careful to enter ;i~'c~"~k~ in v~Jr';:T~,:~ ~ster ~'"~T-m~,a~o"~"r~c~l'~,~.°--"-aq~-..v"-~L~.~ - -°'~- -~- -y~J Wi~ t~.e moQmfy.stowmant, yoq us to °' any amt caa, ;mue ,rmmuons; an~ any right you may I ," ~'~'~ ro~aoa, i. .reernant ~'~t~)~ ~'o~..~u"i~A~ a ama a~'..~e°°J~ten~ a i~x~x~..~ai~n~at any ed ~.~l~ ~ ,,,.¥.o~.,..[~5,_ ..~_ng__.~;ejqu~r~:~an~, or omp.r, Du[uen, m cpnnect, ton ~m.a~ sucn_pmaon or ~p entorc~, ment, ~ may, after at least 30 da~ notibe to · __, ~,. wnutoL~ r, ou~e n pe~nlue~ ~y ~aw, can~ me t;aro an~3 your (.;re~t pn~qmges, we may transtar or asagn our right to all or some of your payments. If ~v~ti~t~ eaWstat~e ,~ecir~s that' Y°u I~e~PN* n°Uce °f such an event to pr°tect the ~r ~ a~ign~, ~ ~ give ~ ~ch no~ ~ fiting a financin statement remry o~ ~mm. g Notices. Other notices to wu shall be effective when del~o~ited IP the mail a~ to you at the address shown on our . unless a longer ,otice y~t~emen~i~:l~ ~th~e~Sa~ree~nwt ~yl~iv~i~andPe~'~al ~alelf~t~veUpO~~~ to us shall be mailed to our a~r~s {'&r customer sen~ce on ~:~ ~1~1 ~ ~LIf rs- KEEP THIS NOl1~ FOR FUTURE USE. This nofica contains important information about your dghte and our req:lonaibilitles under the Fair 11o later . - - ~Jrm----.. -.. .,--. ~..:· vrm= [u ua ua ao~,3 as .l~.. IDle. we muaz neer ~rri vou ...... ~an ~da~,after ~ ~ept ypu th9 first]3111 un ..which the error, 9r preblem al:e~red.* You can telsohone us, hot doin; so will not are~arva ~vn~Ir ,~,]m. ~ yeurje~ar, g~ve.us me ;ol[pvang Imo0'naaen: - ~'our name am3 Account npmt~, - The dollar amount of the ~usoectecr'error - 13,a~i~-~,~,:. &~R;. ana exp~an,, you can why you De,eve mere is an em3r. if you nesd more infomiation, describe the item you am not sum~ab~£ ............... · ~oY~opha~ee ~n~.d4~C~eP~Y ~:~Uusrt reaC~mdic~Cuasrdthbrilleea~ut?ane[sticalc~fr°r~fY(~ ~ ae~ution~ i~ ~ on any ~ount ~ ~ink is ~ng, .c~n(x W ~. co,est any .ar~unt you..qu~tion., or rem, you es.;~[~t..we'"~.~n ~Unue to '~IT''~''~'~ ~.~ 'f~'"~ a~.~' ~"~quW~", ~c~r ,e n~l~ee [ m~ s~:~l~,~"~ ~oa ~e~/~nlol~ura~(~a~gaa~l% i~ ~:~ erssfi[o ~.ne. You so not nave [o pay any qussuoI°rn°rec~aaaamoun[ InwJl elJe~Uweq are mvestigafl~, ~t you If we llnd.ti~at we made a mistake on your bill, y~..wi. II not. have. to pay. am/flna .r~e chargq raiat..~ to any que~.tio~ed .amgu .If we ~dn't make am. isteke ~[3o~th~ap~myo&I~ cocw~har~,AnddaY~U't~ ~ itn~ = rr~._.e ~.,~ ~i.s~_ I~_~_..e_n.~ _on.,_.gl_.e questioned amount. Ini. n~er ca.~, we .11 .spna. you .q our an ' --.,.-- ....... = ,,, ,~c,~u~ ivu~u uun[w~..ml ~y(.~. owe, wemay youesoell n~. HOW,' r if .questione"~a ation.does not's~s~ ~r bi.. d, m tY°~ ~1'~ write to us.ihinna e of ne we'~(~d~ 'te '1'~ u's b~'~}'U~u still ~se t°,.mpo ea o. m t tell ePaYwe' we mustr~aar;report th~tY~ewe~srt y~'beent~°v~e'~ Use~ed' I:~e~v~en,tY~l~W~s. ~YC~J~'~j~e~haJn~°~wecan~c~ec~ef~rst~-.o~fU~equ~an~hamoun[ vevev~e~yourlo~h~wescon.ect. i~{~/~, n~g~C.l~/g~ca, mc~t r~/~ leaf Y~thhat~e am~m.po:p~m ~ ~e. _~.!i~/_.of._~.p~ or ,~:es that ~ pumh.~l~ wi, our cm,:it ca~.and you h~o ..... · -- ,---= ..... , y~ ,.ay .ut [,~ to pay m,.e rqm~..nlng amoun~ Oue on ule..g or s,.entlOes/llere are rna r~you the ;{dverfi~Ue~ltl~ the ~~s,ue~'' ,,~m u,:,, aou. msse, mlmnons ao no[ apply I! we oval or operate me memnant, or n we ACCOUNT NUMBER 5418-2750-0212-5852 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCI.O~ ED I~klin~ DONALD E SHARTZEE 314 BRANDY LH HECNANZCSBUR6 PA 17055-2807 PROVIDIAN MASTERCARD 5q],6E75DDE~.EE&3EDOOTLIDDD3?],S&SD TRANSACTIONS P~T20~L CASH ~V~E 8~-~B 7~l~gffg&~169905~75 ACCOUNTSUMMARY CUSTOMER saRvICE PHONE NUMBER PAYMENT INFORMATION NE~V BAJ. AN~E ~3,7t6.~5 Prmdeu= B.I.n.. UO.,,C, 1'80(0688-1866 Ct. de Ur. · Crodb .00 ~1,000 · Payment~ .~ AvMI~Ma Crudlt + W & Ac~-~xJnt Nmnblr Mt8 2750 0212 5832 MlnhllUm Plytneflt ~74.0D + ~her Qmrge,Cmh Advanc~ .oa Peymeflt ~uo D.t. +/:/~ CHARGE aD~ Awrag. ANNUAL DMly + h'lm Chlrgl .~ ~ of Bai/n=o DMly PERCENTAGE PaYlod~ 0,4~3/9~ Bllarlc~ PATE m NEW BALANCE ~3,715.B5 Pm'cim:m $.GQ tS.B'5'/, .Odin8%N ~g DeyB In r*'~ll Advimce ~2,422.7E 18.85% .G61t % BI#Ilia G~aIn 1~25 PROVIDIAN NATIONAL.BANK We appre_c, iate. y.o. ur,business. /nanK YOU! EXHIBIT A~COUNT NUMBER 5418-2750-0212~58~Z PAYMENT DUE DATE MINIMUM PAYMEN'~ AMOUNT ENCLOSED u.~ Dl~mka ~y=~, To Iqavld~-n DONALD E SHAETZER $14 BRANDY LN NECHANZCSEUR0 PA 17D55-2807 Pegel~l Cbt Imiql III wire/¥o, m II ~lle~ Itil~ked to tM bot~m of your stA~nmmL RIIIn Ily ImouM up to your ~labl~ mdlL PROVIDIAN MASTERCARD 541827500212583200n74Dnn374513n EmJuslyel~ for Proq4clim MmderC~d cuetmmm: Yom am. Imve ...... to your amd~ ~ hdmlWllom .nylhnq mlywlmre. Clmek your ~mll.l~ ~ tract year olmp~ or w~o wlua your mzt peymost b duo, TO Jmu*u mom, go to ~m . TRAN~CTioNB ~ Dm~crlDtlon IS-2OPAYRENT RECEZVED Il T~ ~ OS-2l 7~17~9141010410188667 IOlO Amounl~ ACCOUNT SUMMARY CI.i~)MER SERVICE PHONE NUMBER PAYMENT INFORMATION I 9rlMol~ Balm $3,71D.B5 4 o~ ~fl .d ~*~A NIDV BALANCE . 83 74E.13 . - Nb ..~ I"OIJU'~OO'l 4)0~ Credit Unl I ' PI~I. 74.nn IAv. lhm. Cr~dlt . I O.lm. c~,.. ... I ip.,,,..m m,. Dm :; · I+ Cmh~ .001 " I"1' F/NAA/CE CHARGE 74.2~ I . Av.~'.,.. ,4zavu,,u. D-'~y |+ tam Charge 20.00 ]Typo oi' Bmmn., D~my ,°ERCENTA(m~ Peffadl= In NI~V BALANCE ~3,74S,13 ! Balm RAT~ Rite I rPurcSmn $.m to.m% My.. I n nty, la PROVIDIAN HAllONAL BANK We appreciate, y. qur.business. I r~anK YOU i ACC~)UNT NUMBER 5~18-2750-0212-58~2 PAYMENT DUE DATE MINIMUM PAYMEN AMOUNT EMCL~ED I$ Pall Ch(toPI Pl~lb~l TO Pvovldlmn DONALD E SHARTZER 314 BRANDY LN NECHANZCSBUR9 PA 17055-2907 00e0o0 PROVIDIAN MASTERCARD 5LlIOE750OE~ESB3EnOD?SOOO3736LIO0 ITRANSACTIONS I ~ De.crloflon ~ Amount e&-/TPAYBENT RECEZVE~ -- THANK YOU i&-17 7E4172891MOIO*01~80755 SOl! 74.10 PY ACCOUNT SUMMARY PriMou~ Bnionm* $a,746,13 other Chlrg# .00 C~h Advmncml F/RANGE GHAR~E Lite ~llr01 NEW BALANCE ~3,73e.48 CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION - - I NEW BAI. AN~E 1-800-688-1866 c..d, u. IA'mlblblll Crmdlt Amount Ntm~ MIE 27m ~12 ~ MMknum Pmynm. I ETB.OO Pnynmnt Etm Date Awrl~e ANNUAL Dally Type of B~lance DMly PERCENTAG~ ' PeH~IIcI 06/25/~8 BM;m=~ RATE , Role Purchase $.nn 1B JO% .~,~ %" ~0 D~i In ~h ~lvlJl~l ~3,72~.43 2t .ge '~ .O~% BflllllG G~Q b PROVIDIAN NATIONAL BANK We appreciate y.o. ur,business. i hank YOU! ACCOUNT NUMBER 54~8-2750-02~2-5B~2 PAYME/rr DUE DATE MINIMUM pAyUEN'~ AMOUNT ENr'LO'~ ED Pnwid]ln DONALD E SHARTZER 314 BRANDY LN MECHANZCSBUR8 PA 17055-2807 P~gl 1 of I PROVIDIAN MASTERCARD 5q],Ae?SOOe],eSA3eOOO?SOOO3733],qn TRANSACTIONS I Delcrlotlan ~ Amomll~ I I 07-21PAYHENT RECEI~JEO -- THANK YOU 07-21 7B~X72B9212OOQ41UP~TO ~OlO 7~.11 PY I ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALAN(~E ~;3,733.14 p,w,= ...r~ ~7~8~ 1-800-M8-1866 Cr, d, Lm · Cmdl,- .OU · Plymmds 78.GQ AvMlable Cr~dt Pr PtJrg~lses & Ac~aunt Number 5412 27Kn 0212 5832 MlNrn~m PBymml! STS.0Q o~er C~BrG~ ,00 PI~ Due Dill + G~mh AdvEn~ .GQ + fiNANCE CHARGE 88.~m &verag~ ANNUAL DE~y ~nt + LMe 4~herg. .OD ~ of B~llr,~ Dldly PERCENTAGE Perlodc 07 = NEW BALANCE S3,733.14 B~amm HATE * Purchlme $.G0 19m% .0S48 %" "t Doyo In Wh ~ ~3,730,0~ 21m% ~]e0~ % lm PROVIDIAN NATIONA~ BANK We appreciate y.o. ur .business. I hank YOUl ACCOUNT NUMBER 5418-2750-0212-5832 PAYMENT DUE DATE MINIMUM pAyMEN, AMOUNT ENCLOSED Mlkl Cheaki Plylble 70 Provldlin DONALD E sHARTZ£R $14 9RANDY LN HECHANZCSBUR6 PA 17055-2007 PROVIDIAN MA~'I'ERCARD Pagel of I I OBt IllitlBt mil Wltll yoll "1I ~.# a the~k M~el~d to tile 5LI1. A275DD2'I. 25A3;~OOO?SOOO3?;]5;~r.O M ~m(It~ tJlli aknllly M th- chick to git tM ~mlk TM need. Plleie lee the ilr, loled OIIJt~e~ ~ yogl'l~COe Bt WI and kiporil~t IIMI1/t~# ab~atymir Pr~vldbl .~ml Bt. TRANSACTIONS Polt Dill De.grlDtloq iR-15PAY#ENT RECEZVEN -- THAFI~ yOU I Tflnm ~ Refmlnm Numlmr Amount J le-l"~ 7E,I~lTEN$22SI;_~.-,,7856=9 il00 7E.OO PY I PROVIDIAN NATIONAL, BANK We appr_e(},iatq y. qur.business. Thank YOU! ACCOUNT NUMBER 5~18-2750-0212-5832 PAYMENT DUE D~TE MINIMUM PAYMEN ~ AMOUNT ENCLOSED 15 I DONALD E SHARTZER $14 BRANDY LN HECHAHZCSBUR8 PA 17055-2807 Pslge 1 of 1 PROVIDIAN MASTERCARD .5 q*L~S P ? 5 O O ;~ ], 25& :l;3 OrlO?Lin0n37],7520 Wh'o yOU Ne · ~Mdc .tlmek, d tO tim bot~m of your ~l~lment, ih.ply wire aAy mneunt ap t~ ymr .vakble M to gM the c~. k yaa Beed. 'TRANSAC~iOHS Po,t DIM D,,crlotlon Tmun Dat~ Ruf, mnc, Number Amount 19-1&PAYHENT RECEIVED -- THANK YOU 19-1& 7S4172892~9110401900499 OlOI 7B.OI FY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE 83,717.60 ~rW~,, ed,,x:, S3.7~ 1-8(X)-688-1866 cud, Un, · ~lmt~ .00 - P~lm, b 7E.fln &vMlable ~ldlt + Purehasm iL .~:=mm! Number 64tB 2760 C~IR 6832 Minimum Pay~~ i": 874.00 oth.r Charges .OO Plym.m ihJ. D~te" ~ 10/IGt/S~ 4' CilII Ad~ll~l .00 ~. · .~. + L~le ~ ~O T~pe of Balance DMly PEHGENTAGE Plriodl.~ 0W24~ m NEW BALA#CE ~.717.5~ BM,nrta RATE · RMe OMb AdVll~e ~3.72t ~0 21~% .~2% PROYIDIAN NATIONA~ BANK We appreciate, y.o. ur,business. i nanK ¥ou~ ACCOUNT NUMBER 5418-2750-0212-585Z PAYMENT DUE DATE MINIMUM PAYMEN'~ AMOUNT ENCLOSED DONALD E SHARTZER 314 BRANDY LH NECHAHICSBURO PA 17055-2807 Page 1 of ! PROVIDIAN MASTERCARD TRANSACTIONS Polt Detl DomrlDtlon Trane Date ~n~:~&(p__~.~.~_~ Amount I~-II~pAYHE~T RECEZVED --THANK YOU 11-1~ 7~t172~g2BSggZ4E0390747 IEII 7et. OI Py PROVIDIAN NATIONAL, BANK We appre.c, iate y. qur.business. Tnank YOUl A~COUNT NUMBER 5~18-2750-0212-5852 PAYMENT DUE DATE MINIMUM PAYMEN DONALD E SHARTZER 314 BRANDY LN HECHANZCSOUR9 PA 17055-2907 Page l~f 1 PROVIDIAN MASTERCARD SLI],&275OOR~,~.g&32oon?40OO3?OkR~O ITRANSACTIONS ~KD~te De.crlotlon Tuna Dm Ref~mnc. Number Amount 11-:LSPAY~JENT RECEZVE~ --TIL4,NIC YOU 11-1B 75417289E199914ellln791 1011 74.10 PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANDE ~3,70e.22 Prevbum BMmlC~ ~13,712.B7 1-800-688-1866 ~.,.t U.. · I~rmnb 74.nn AvMlable C~"~cllt ~293 -t- PUrdl~Sua A A~munt Number 5418 27BO n°lR 68~2 Mhllnlmn Po~nmn! ~i74.D0 OUllr Ch~/~l~ ~0 PlVt11MlI Dbl Date .t. F~fANCE CHARGE 87 ~ &,telmge ANNUAL DIJly + L.ita ~ .DO Type of Balamm Daily PERCENTAGE P~odia m NEW BALANCE ~3,708.22 Balance RATE Mu Purdlase $1.07 20.,10% .~ %~f fro Daya In Cash ,Advunco ~3,719,8~ 21.00% .~8~2 % Blilng ~3ya/ PROVIDIAH NATIONAL BANK We appreciate, y. qur business. I nanK YOUl AC~)UNT NUMBER 5~Z8-2750-02~2-$832 PAYMENT DUE DATE MINIMUM PAYMEN AMOUNT ENCLOSED IMI~ Ch~akB ~myml~ ?u P~ldlmn DONALD E SHARTZER $14 BRANDY LN HECHANZCSBUR6 PA 17055-2807 P~el~l PROVIDIAN MASTERCARD Plea# r~d tM e~d be~ukure Soot how to mMMMn yamr goad craclL Provldlll Rim,-~d wlslm ~ol and yHn u h~ mid imm May MILO& ' TRAHSAC'rzc)N6 ~ Dii~rlDtlon Trina Dutm ~ Amount 12-20PAYHENT RECEZVED --THANK yOU 12-El 7~172~9'md~e91d~l.'5_~.'E96 leOl 74.00 PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANC:E S3,708~8 Pro,dam BMintl S3,7moo 1-800-688-1866 (~-.d. Urm - Payments 74.0O AvMliblu CTodIt 1203 -J- Purcham & Account Number ~4t P 2780 Q212 6832 Minimum Puymefl~ S74,00 other Charges ~0 Pl'/ment Due Dire + F/K4NGE G/-/AAGE 74.04 Awr~ge ANNUAL DMly mm~n~nl + LM~ ~harg~ ,00 Typ~ a~ Balance Odly ~-~.~7~ Pedadu '12/27/go = NEW I~NCE $3,70~.~ r4~11~1 RATI~ Roll Purdll~ 8,nn ~3.4g'/, ~ ,%" St Olyl In ~lwh AdVaffl~ ~3,724.0g 21~1% ,0~% NIIIhlg J~yafl PROVIDIAN NATIONAL BANK We appreciate, y.o. ur,business. I hanK YOUl A~COUNT NUMBER 5418-2750-0212-5832 PAYMENT DUE DATE MINIMUM PAYMBN, AMOUNT ENCL, O~ED DONALD E SHARTZER 314 BRANDY LN MECHANZCSBURS PA 17055-2807 Page 1 of 1 OQO;O0 PROVIDIAN MASTERCARD 5q],~?SOOi~],~S&3~0O0?q OOO~liet?prll] ITRANSAC'rlON8 Pont DiM Dt~crintfoq TrInm Diti ~.~!-~l..~]ll~L Amount I1-18PAYNENT RECEIVED --THANK YOU t1-18 764172~1018991416271491 IIII 74.00 PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION ~-,~,= e,.~. ~.7oe~e 1'800'688-1866 New Cridll Line - Piymenb 74~o AvIIr'Me ~I~t ~ WI & Al Nun~ir ~18 ~'~ m12 ~ UlWmm~ Mhir Chm~ ~0 Pl~n~nI Dui Dlte PROVIDIAN HATIONAL BANK We appre_c, iate, y.o. ur ,business. · /hank YOUl ACCOUNT NUMBER 54].8-2750-0212-5832 PAYMENT DUE DATE MINIMUM PAYMEN. AMOUNT ENCL.O'eED Pmvldbn DOHALD E SHARTZER 3Z4 IRANOY L# HECHANZCSBURg PA 17055-2807 PROVIDIAN MASTERCARD Sq1.&i~?snni~,i~S631~OOO?qoon31aqOi~.O ITRANSACTIONS I Polt Oite Dlicrlotlon Trane Date ~ be Amount 12-].&PAYNENT RECEZVE~ --THANK YOU i2-1& 7S417~014709141117152B aoio 1~,11 Pt ACCOUNT SUMMARY PlIvlou~ Bllenci ~.~ - Cmdlb · P~b CU~'I'OMER SERVICE PHONE NUMBER I PAYMENT INFORMATION HEW BALANCE 1-800-688-1866 (:~Mt un,, ~o.~1 IAvalmbJe Credit Ae~unt Number ~4t8 27~A 0212 ~ Minimum Payment . S74.00 Payment Dui Date 03IEOA]O Average ANNUAL DMly J Type of RalanM Dally PERGENTAGE Perledlc BM~nce PATE Rate' Purch~e $.nn ' 20.7,i % ,~%~ PROVIDIAN NATIOHAL BANK We appreciate, y. qur .business. ThanK YOU; ACCOUNT RUMBER 5d18-2750-0212-58~2 PAYMENT DUE DATE MINIMUM PAYL .r AMOUNT ENCLOSED Pt~ldb~ DONALD E SHARTZER $14 BRANDY LN NECHANZCSBUE9 PA 17055-2E07 PROVIDIAN MASTERCARD SLI~.&275OO2~.2S&320OOTL~or1031=&R~&O midi Ill& ,lilt mdcln MO(E) w, IMi ~delid bliilk UI IMII~II For IIIM~ilbl~ cml AJlmo It 1401'-X~I'9~)~ h Imm to mquidc ID E 1148# lied EMi C~dl By. ITRANSACTIONS Po~t Dell DelcrlDtlon IS-21PAyHENT EECE:ZVED --THANK I Tmnl Deli Rifemncm Number Amount 15-20 7rvq.].?2BOla19914EO9109~,,c loll 74.00 PY ACCOUNT SUMMARY ~"'h ~ F/NANGE GH,4A~ 73~ NEW B~LANCE CUSTOMER SERVICE PHONE NUMBER I PAYMENT INFORMATION MEW BA/..ANC= 1-800-688-1866 C,~dit u., IAValMMe Credit Acc:aunt Number ~IIB 27M] 0212 ~ Mhhmln Plyme~ , · · Awu~l ANNUAL Dilly .... ~'~,~.,.njn! D~i Type of BalAnce DM~ ~A~E BdmM PATE lime / P~ SM 20.?4% Ca~h Advar,~ 83,706.70 211o% / PROVIDIAN NATIONAL BANK We appre_c, iate. y. qur.business. /nanK YOU! ACCOUNT NUMBER ~4ZB-2750-O2Z2-5832 PAYMENT DUE DATE MINIMUM PAYk ~' AMOUNT E~CLO~ED &kka Che~J Pm/abM To Pmv~l~n DONALD E SHARTZER $14 BRANDY LN HECHANZCSBUR6 PA 17055-ZB07 Page 1 of 1 PROVIDIAN MASTERCARD SLI'I. 6;~?SDDe],PS,S3eD DO?q DDD31~?~Lt~D NOTICE OFCHANGETOTHETERM80FYOUR ACCOUNTAGREEM~T. ~ kB~ tll~ Bolke bM yamr mmx,~. Tho fdloMng wll b~ 8ddml to tim 'Fate' .eoaloa of your Aocoant AggNment end MIl IN,~Ol,m drouth1 M~y 1~, 2#~: If ¥1m toquoM fl.d we make I oeo.time mtemiM paymeBt frmu 1'oar pMmOald eMilE m~eu K we ney elllrgu ymlr p__--_-,_~__ St I f# of ~4.9~ fluids m ImlkM~ lB yeur pinotol oM~ldlNi ~omult to m t~m p~n~ ITRANSAC'rlONS Po~t Dm Duocrlotlon e4-21PAYHENT RECEi'VEII --TIUdJK YOU i Trina Data Rihrenc~ Number Amount n4-2'~ 7~4172~0112991et&~,?p?$ elbe 74.e0 PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMA'FION NEW BALANCE. ,, ~,.7..4~ Prmdace Balance S3,M~M 1"800-688.1866 Credit Uce ' · peylcen~ 74.00 Ac~wrltNundaor M189760~t26832 MffdmumPeyln~nl~ + WI & ~4.00 other Ctutrges .00 Payment Dui Date + ~ash Advlnces .00 + J~YANC~ CHAH(~ ,,o.K., A,,'mf'~ ANNUAL DMly Btmmr~m :~ NEW BALANCE ~3,BTBAt Type of Balance DMly PERCF. NTAGE Perlodlo 04,'25/00 Balm HAT~ Rile Purdwce $.GO 20.74% M% CaMIAdqnulce ~3,708.74 21.E0% .tituS_% Billing f~Jok PRovIDIAN HATIONAL BANK We appre..c, iate. y.o. ur.business. /llanK YOU! ACCOUNT NUMBER 5~18-2750-0212-5852 PAYMENT DUE DATE MINIMUM AMOUNT ENCLOSED ProvlcP-n DONALD E SHARTZER $14 BRANDY LN HECHAHZCSBURG PA 17055-2807 PROVIDIAN MASTERCARD TRANSACTIONS Po~t Da*- Da~rlDtlon Is-1BPAYME~T REDEi'VEO --THANK YOU · ~n. D~*- Refemnc~ Number Amount eN-3,H 7E417~I136991,~.m__A'm~K~' O00l 7~.0B Kit' ACCOUNTSUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE .~...m ~,,.. ~,~78~ 1-800-688-1866 C~dll ~ Plylnents 74.nn A,,~{able ~rmGt Purd~es & A~:aunt NU{11{~ 64t n 27~{3 n~12 583~ MIidiIMiII PiW{mm~ Plylllenl DU~ 'hll~B"."~. otll~' CillrgBs .BO . , ... r'mh AdvmIc~ ,00 :, ,% ,,, NEW BALANCE ~70,~ ~ ~ B~amm DM~ .~ PE~VTA~ .,.~ ~lsh Adtmnce {3,S83.43 ~1 .gG% ,08~% BIIIIn~ ~oi PROVIDIAN NATIONAL BANK We appreciate your .business. i nanl~ Youl A~OUNT NUMBER 5~18-2750-6212-5852 PA~ENT DUE DATE MINIMUM PAY~ .,dT AMOUNT ENCLOSED I$ Ullm Chi:Ii I~/IIM To Pmvldr,.n DONALD E SHARTZER $14 BRANDY LN HECHAN/CSBUR8 PA 17055-2807 PROVIDIAN MASTERCARD ~ q 1. hE?BOOE'I. EB~3ErIDO?3OI:)rl31~kEEEO ~N~IONS ~ DiIcrloflon 1&-14P&YB~ RECE~n -~T~ YOU Tmnl DI~ Rl~m~ Number Amount 06-14 7~172801669914.96G~*0575 alOE 75.10 IvY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW ~ANCE ~3,8~.2~ Pw~uiou, edanc, S3,ST0~ 1'800'688.1866 Cmdt Uno *4,Om - r'ridt" .00 · Paynteflt= 73.00 AvldlIMe Credit ~337 ~ ~lSel & ~N~I B/er ~lN ~ ~E I Midi Pl~I + fiNANCE CHARGE ~.24 A~UI ~ D~,: ' B/mlc. ~ ~i" ' PurdmsI I.l~ ~ 24% ~h ~I~i ~3,~7 N,BO ~t N% nm~_% llilq C~QIB PROVIDIAN ~O~ BANK We appre_c, iate. y.o. ur ,business. /nanK YOU.~ ACCOUNT NUMBER 5418-2750-0212-5832 PAYMENT DUE DATE MINIMUM PAYk~ AMOUNT ENC:LOSED 1$ I DONALD E SHARTZER 314 BRANDY LN HECHANICSBUR8 PA 17055-2807 P~el~l PROVIDIAN MASTERCARD 5418~7500212583~OO14&OOD376249D Bummer b Imml En~IRf thl~ of mMigyour ploqdclml mdlt Clld. U h' ~ waddwide ~o t a~l ?~'BVM wSk yml imyvlmml MESSAGES FROM PROVIDIAN MJ~,'kCARD Ptml flotl dl m ln ou at lldi m lrt pnt dal lflol,J ud mllt bl pld WW' IfyN have airmdy u, nt m p~,mnnt, tlmnkym~ and plume dlmgm'd tllb m Ilyou mid ~o mike elmnGement~ for ENiymelt pkele md11,.#1.7~-II1~. ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Prlvioum BIInncB 83,~22 ~Ohh ~,~) 4~ NEW BAJ. ANCE. , t3,702 40 [ J Paym.ntn .001 IAvnflaMe cr~dt ' ~ ] I+PtrchHes& ' I A~oumNumber Mt827J;f10~12~32 IMinimumPm~. ~ ,. 814a~o~ Iaum. ctmqu ~~ ~ [PlymintDueD~t~ . Qe/1G/Z]O [ [+ c, mh Mvnncu .tm['---- ~ ~ |+.':WANt~C:~lfrC~ 7'1~~ Awag. ANSt~t hlly ]mammnth,. J [+LnteChnme 2gmlT~Pem'naklnc~ Daily PERCENTAGE Parlod= I o'/nm I [ (prwvlom Du. Dm 07-18) [_ . n _m~. PATE n-'.I I ==--- --"' I PROVIDIAN HATIOHAL BANK We appreciate y. qur.business. I nank YOUl ACCOUNT NUMBER 5418-2750-0212-5852 PAYMENT DUE DATE MINIMUM PAYL ~ AMOUNT ENr'LOSED MtkB Dh~lm PWIbe To Pmvld"n DONALD E SHARTZER 314 BRANDY LN ,HECHANZCSBUR9 PA Z7055-2807 Page 1of 1 00CCOQ PROVIDIAN MASTERCARD 5418275QO2125&'q2oom'1740003683690 Ti~ IdvIntlge of ~FIcMI sevin~4 from Ak~mo vdlse yse rvet m cir udng your Provfdl# cud. Loek Imlde your matmleK Ms' Pmvldlu-se~M .sepom TRANSAC¥i~NS ' ~ DeicHKIon Tmnu DaM Rifermnce Number Amount IS-I7PAYHENT RECEI'VED --THANK YOU 08-07 7S4172802219914&~"51242 ll0l 148.80 PY ACCOUNT SUMMARY CUSTOMER $ERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE J3~B3]O PrlVIOiLt Bidln~ ~3,7e~.48 1-800688-1866 c,~tt u. ~=oo Available CFedt ~318 Ptu'chas~sPaynlenb & 14~.rm AccounlNumbra' MIB27m~12s83~ MlnhnumPuymeflt S74,00 other ChargfJ .00 Piynl~nl Dui Dale 0Ofl&QO ~aalt Advances .0O , . RNANCE CHARGE "0,20 Average · ANNUAL 0ally IIfMsemnt 0M~ NEW BALANCE ~3~83."a ~ of Bn~nc~ Didly .PERCENTAGE Pm'ladlo ~,'25,'00 Balan,m RATE Rato Purchase $~1.47 Ol.74% .~%m II Drays In Cash Advance ~3,8B3,&3 21]0% .~% Billing 6'yol PROYIDLAN NATIONAL BANK We appre_c, iate y.o. ur business. inane YOU! A(~OUNT NUMBER 5418-2750-0212-5852 PAYMENT DUE DATE MINIMUM PAY, ~' AMOUNT ENCLOSED ~ CImQIm P~y.bl~ 'r~ Pmvld~-n DONALD E SHARTZER $14 BRANDY LH HECHANZCSBUR8 PA 17055-2807 ~gel~l PROVIDIAN MA8TERCARD MESSAGES FROM PROVIDIAN MA~TEI(CARD .n4k:~ tiaa, lmm amml ..~ I,-~.dee any Imat dee arno. nt led me~t I~ ~ ImmedatMy. film. lusm air~edy aust a peynmet, tlm~ yus aed plusM dlemg~ tk~ nMfce. Nyus ~ to mMm a~us~menU Ira' peynm.t plus# ~ 14~0-7'~4112. ACCOUNT -~ UMMARY CU;~¥OMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BAL&NCE d ,~ ~,78~.10 previous Balance 83,S83.EN 1-800-688-1868 =,~., ur,. - ~lmts '.00 ~4,000 . AvallabJe Credit omwr Cha~ .oo Payment Duo' Da(~... + ~lsh Advam:us + P/NANCE CHARGE 80,41 Avm'age ANNUAL -I- Late ~harg. 29.00 Typ~ af Balm~e DalJy PERCENTAGE P~dmJIc (Prm~__,_-_ Du~ D~t~ 0~-19) BMm~:~ RA T~ Rat~ = NEW BALANCE ~l,7~.lU Purdmus ~lE.g8 ~1.74'/, .r~m~%~ ~ ~ In PROVIDIAN NATIONAL BANK We appre.c, iate y. qur,business. Tnanl( YOU ACCOUNT NUMBER 5~18-2750-0212-58~2 PAYMENT DUE DATE MINIMUM PAYME. AIdOUNT ENCLOSED ~ldin~ DONALD E SHARTZER 314 BRANDY LN HECHANZCSDUR8 PA 17055-2807 Pag· 1of I PROVIDIAN MASTERCARD SL~,&E?SOOE~.ESB3EOOEEI=OOD3F(6nDL~O VbR th~ CininoulMi. CouMf d.w. pmlddllmnlou.~m.you Bun vf~wyourl~ount, IMarmMIon, IIIdm · plymeKm' ~ IdVlMIGI of moiy-lwl,gi dla)llltL Eh)U1, gnat .m4nG~ wlmn you reM i =.r from Be~zl Plouou im ]nm far S~ve u p to 41'/. Bl tk. mouk~ wlth your PmvkIMn M--tMCMdl TM~ ~ M t~j~ 1Or=IEIIE kG ExcdIIIM oBIf M pllm/kou M nl~ N,4,~i~ iNcl iFiL~TII OUildlIBBt ~mh pm:klgM. FM' mm InfermMfon about this off~. OUdouId ~ FROM PRGVIDIAN MAa¥,..CARD Your payment due Imdldou m~y ~ ~e ~M ~ m~ b M ~m~. Y~r ~ · p~ ~lmmM, wM I~M ~wm~~ ACCOUNT SUMMARY Cus'rOMER SERVICE PHONE NUMBER PAYMENT INFORMATION~ NEW BALANCE PITVlOUS BlhulcI ~3,7w~.t0 1-800-688-1866 c,~d, Un, · Pa)mlenb ~ Avadlabl· (:~'edlt 81t0 + Ptlrc~a~ou & A"'~__-II Nundalr D418 2760 0~12 ~ Mlnlalum Pl~llllnt othlr ~rgel ~0 Plyment Due Dal· 11~O0 't- F/N, ANGE ~ ~8J4 Average ~/N/./~. 4' btm CS,a, hq, ~nn ~ of BI~ Dilly -I~-RC~AOE (Pllvlou8 Due DiI· IO~1) BMm flATE B~ NEW BALANCE ~3,88Q 04 Pitch·se ~4~.B3 91.74% .O~18'/.'( S~ Deyl In · ~h ~ ~3,7~8.B1 2t~8'~ ~8~2% BI#hE Cyain PROVIDIAN NATIONAL BANK We appre_c, iate, ur.business. /nanK YOUl 5~18-2750-0212-5852 F/aim O~ea~ I~yal~4 ?Q Pmv~Jk, n DONALD E SHARTZER $14 BRANDY LN HECHAHZCSBURG PA 17055-2007 P~galdl PROVIDIAN MASTERCARD 5~8~?SOO~E5~3~OO3050QO3q?q?TO Git up-to-dill ICC~Nlnt I1~0111111bl illyllm~ yell Wlnt dcwww.provldlllBidliaom. Yol cia dna ply ymlr Idl, dgl ep for tim My Tooildl(m} e.~wdnt, or eldoy ilIoppJiiG dbemll~ i Provldla glvm yoe fair wlym to nmlm yom. mentldy plymmlt. Rd.r to t~ eBCJONd Idofmntloe to ddlrmlm fi-- ply11~nt opllall tlml Il ItEM for yml I MESSAGES FROM PROVIDIAH MASTERCARD '1 Year payment dua Inclucl# may p~nt duo amouBt thee inant b~ pMd Imm~dntdy to mveld hlrtlmr O~l(It ~ lid ~ ~ of yQer i~oe it flit Iirthlr ~a ~& ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT IN FORMATION PllVleul Bdlncl 13,8~0~1 1'800'688-1866 '* N.w ~E · Payments .00 IkVdllbll Caldlt -I- PUl'd,,e. & ~,*,--,,,li NUnlb~ 5418 2780 O212 ~ Minimum P~/mlnt othm' (3torg,i ~ ~/mlnt DU~ Date 19/19/00 + F/NANCE CHARGE 7~.73 Awm~ ANNUAL Ddly + Lat, ~ ~9~ ~ of Bldence ~ PERCENTAd~E Pedadlc 11/24/00 (Prlvla~e DI~ Dire 11-19) Blllnm RATE Rat. - NEW BALANCE ~13.929.77 Purd~ase ~17B:~3 21.74'/. ~%~ C~sh ,~11~111gl ~3,837.3~ 21~8% ~% BIIIlaD ~yall PROVIDIAN NATIONAl. BANK We appreciate, y.o. ur ,business. Thank YOU 5418-2750-0212-5852 Pmvld~-n DONALD E SHARTZEE 314 ERANDY LN HECHANZCSBUR8 PA 17055-2807 Page 10/1 0O(]Q00 PROVIDIAN MASTERCARD 541&275Drm2125832[]O386Dno4ns8630 MESSAGES FROM PROYIDIAN MASTERCARD Your .ccmIM b W dae aid mist be IXlid MW to IvoM/Ul~W alcl~ dlmNe IlM Whl' IMen/of pr Ic~Millt hr iddlk~--I C:MIiM~Ol mllol. ffYo. Ire. labia to mike your II1meat Imlneda~My, ad .l M 1-a0i.75~0112. Also no~ th~ your ~c~ount h ~1~.18 aver ym~r $4,la~.N a~dlt lne. Whlb your Accalnc Ag~elnent may requ fre yml ~o ply ~ ovml~lt mount, we m g[Vllig yml Ute tkzldlly M Felln~ oldy ~KBOLOO. Poling Pst tll~ nWdmum dam pOyI11eM d kayo ylmr I~ollt lB In O~l~lmlt aWWL We ell~a~llIge yoe to p~y the IddliOlId ~88J~ Ii iNI Ii poM ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBEF PAYMENT INFORMATION NEW BALANCE. S4,oee 83 P~mJ~ BMlncl S3ATB~7 1~1866 ~t ~ ' ''~ ' ?'" * A~e ~dt - + ~~E ~M A~ap ~U~ ' D~ (P~ ~e ~le 1~1~ ~a~ ~ PROVIDIAN NATIONAL BANK We appm.c, iate y ur.bus ness. TnanN You 5~'18-2750- 02'12-5832 Pmvldlan DONALD E SHARTZEIt 314 BItANDY LN HECHANZCSBURO PA 17055-2607 PROVIDIAN MASTERCARD 54182750021~5832n41631504163150 ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE $4,183.15 ~.~. B,..ce S~""".,~ 1-800-280-0559 · Pmymanta .80 Avallal~e Cradlt + Purehmm. & A-~--,! Number ~418 2760 0'212 ~832 Minimum Pmyrcent &1.163.1S other Charge. ~ Pl~t DU~ hie 0~r26/01 + Camh AdVmlCce + F/NANCE CHARGE 74.~ Average ANNUAL Dally iln~n~m Date = NEW BALANCE $4,183.15 Type Q! Balance Daily PERCENTAGE Periodic 0t/26/01 Bidance RATE Rale Ptwchas. ~13~4 21.74% .0~g~'/.x a0 D~ym fa CBh Ad~aIII~ ~3~5.73 21 .g~% THIS 18 AN ATTEMPT TO COLLFCT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. PROVIDIAN NATIONAL BANK Access to credit b essential In tochy's world. Bringing your ProvMbn account to PAID status would be an Important stop toward Improving your credit record and restodng your access to credit. Pruvldlsfl DONALD E SHARTZER 314 BRANDY LN HECNANICSBUR8 PA 17055-2807 P~olofl 2O0 PROVIDIAN MASTERCARD 54182750~2125832~423911~423911~ ACCOUNT SUMMARY CUSTOMER BERVICE PHONE NUMBER PAYMENT INFORMATION PreMm~s BaMhc~ ~4,163.1S NEW BALANCE ~4,238.11 · Cr, d'-, .Do: 1..806-280-0559 ct.mt un, ~4,Doo - Pm~nn,flb .DO AVMIIble Credit SOO + pl~.~.T,~ & Acoaunl Number 5418 2?DO 0.o12 ~ Lmlnlmum Pl~nlmnt ~4,238.11 olher Charges · .rio P~h~on( Due OMo + Cesh Ad,mnces .DO + FINANCE CHARGE 75~ Avm'ag= . ANNUAL D~Jly = HEY/BALANCE ~1,,23g.ll Ty~e .f B~lann, DMly ~ENTAGE P~'lodlg 02J2&'01 BMmnn, . RATE lime ~rch.es ~?.48 21.74% .Me8%~ I1 ray. In Cesh Aclwnn, ~4,i~9.~3 fl]0% .08Q~% ~llllng cy.i 11'118 18 AN A'I'rEMPT TO COLLECT A DEBT. AHY INFORMATION OBTAINED WILL BE USED FOR THE PURPOBE OF COLLECTING THE DEBT. PROVIDIAN NATIOHAL BANK Am to credit Is essential In today's world. Bringing your ProvMlan account to PAID status would be an Important stop toward Improving your crndlt record and restoring your access to crodlt. DONALD E SHARTZER $14 BRAHDY LN HECHANZCSgUR8 PA .17055-2807 Page loll 22o PROVIDIAN MASTERCARD Szt~,&;~?SOO~],2S&3;~OO'35qOOOq23,1'c~.O "'PLEASE SEE ENCLOSED lIE=oR'rANT LEGAl. NOTICE CONCERNING 'THE ADIX'/ION OF AN ARBITRATIO~ PROVIS~Ofl TO YOUR AC~OLI~r AQREEMBNT. PLEABE READ IT CAREFULLY JIN D KEEP IT FOR YOUR RECORDS.'" ACCOUNT SUMMARY Plyl~lllb Pm'c~m~s & N~ ~E ~.11 CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION IA~. ~t Mh W~ S.~ ~% ~% BIJII~ ~B PROVIDIAN NATIONAL BANK We appre._ciate, y.o.u r .business. I nanK ¥oul PAYMENT IMAGE RETRIEVAL SYSTEM Print Data: 11/02/2001 Time: 01:21 pm Account Number Tran Data Payment Amt Minimum Pmt Outstanding 5418-2750-0212-5832 08/13/1999 $75.00 $75.00 $3,733.14 DONALD E. SHARTZER .... : 314 BRANDY LN No Bac~ Image Available EXHIBIT CZ. PAYMENT IMAGE RETRIEVAL SYSTEM Print Date: 11/02/2001 Time: 01:20 pm Account Number Tmn Date Payment Amt Minimum Pmt Oulstending Bal 5418-2750-0212-5832 02/16/2000 $74.00 $74.00 $3,697.20 DONALD E. SHAR.~'ZER 314 BRANDY LN 2119 No Bad( Image Available PAYMENT IMAGE RETRIEVAL SYSTEM Print Date: 11,~2/2001 Time: 01:19 pm Account Number Tran Date Payment Amt Minimum Prat Outstanding Bal 5418-2750-0212-5832 03/20/2000 $74.00 $74.00 $3,690.21 MEGHANICSi~URG, PA 17or~ ......... ~ :' ·' * "- 2140 No Bad; Image Avallabte ~qqBIl"A¥ a~Ul Y~] ON DONALD E. SHARTZER · . : · 2 01~ 2 314 BRANDY LN lC80ulpu~Isqno lWd mntulUllN lmV lueu~ed e~eO urn1 ,mqmnN :lunoooV md Z'L:,L0 :emU. ,L00~J'~0/,L ,L :~eO :lupd DONALD E. SHARTZER 314 BRANDY LN MECHANICSBURG, PA 17055 ,'. 2156 80,.1~73/313 101~ m. O31,3~,273,Bm:'E~.57-. ~'c;&t,O'i,"~r-..S23u,' '"- ~ '""' I*ff'gZ9'~ O0't,Z$ O0"kZ$ 000~/~./~0 leg 6UlPU~no lin,4 mnU~Ull/,Jlurv iuea.~,,d ei~ u~"l .~lCUnN lunoooy tad I.L:I.O :ew!l I. O07:/T0/H. :ole~ lu.ud fi:liS.kS 1VA..ql~.L~ I:1 ::IGVINI 1N::IINJ, yd etq~leA¥ eBmUl ~eg ON leg~u!pue~slno ltud~untulu!~l :lu~,uetu~ed e~eOumj. JeqtunN:lunooov tud 0~:1.0 :eu.~..L [00~/'~0/I..~ :~qeQ :~UUd VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 E. State Street Doylestown, PA 18901 (215) 348-5200 PROVIDIAN NATIONAL BANK Plaintiff VS. DONALD E. SHARTZER Defendant CUMBERLAND COUNTY COURT OF COMMON PLEAS NO. 01-5717 CERTIFICATE OF SERVICN Valerie Rosenbluth Park, Esquire certifies that she is the attorney for the above named Plaintiff in the instant action and that on December 10, 2001, she served a true and correct copy of the Second Amended Complaint, by mailing the same by U. S. Mail, postage paid, to the person and at the address set forth below: Attorney for Defendant John R. Scheidemann, Esquire 352 S. Sporting Hill Road Mechanicsburg, PA 17050 PARK LAW ASSOCIATES, P.C. BY: ~ VALERIE ROSENBLUTH PARK, ESQUIRE ATTORNEY FOR PLAINTIFF Providian National Bank Plaintiff Donald E. Shartzer Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 01 - 5717 CIVIL TERM PRELIMINARY OBJECTION TO SECOND AMENDED COMPLAINT AND NOW COMES the Defendant by his Attorney John R. Scheidemann and files the within PRELIMINARY OBJECTION TO AN AMENDED COMPLAINT. DEMURRER. The complaint, as written does not state a cause of action against the Defendant. 2. MOTION TO STRIKE COMPLAINT. In Paragraph number 8 the complaint states that the Defendant has acknowledged the validity of this account within the applicable Pennsylvania Statute of Limitations. This is a legal conclusion for which a response is not required, however since it contains a language of an acknowledgement this paragraph must be stricken as scandalous and impertinent. 3. MOTION TO STRIKE FOR INSUFFICIENT SPECIFICITY IN A PLEADING. The amended complaint attaches as an exhibit, ledgers, and payment history but does not show that the Defendant has signed and made purchases to account for the balance, which is due. The exhibit contains history of the account but does not show what purchases were made, when they were made, and if in fact Defendant Donald Shartzer used this account and signed for this account. Accordingly, this complaint specificity in a pleading as Civil Procedure. should be struck for insufficient required by the Pennsylvania Rules of WHEREFORE, dismissed. Defendant respectfully requests that the within Complaint be ~2hns~'S/pc~m~T~rney-at-Law Mechanicsburg, PA 17050 717-737-2033 Attorney I.D. #86772 Providlan National Bank Plaintiff Donald E. Shartzer Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 01 - 5717 CIVIL TE~M CERTIFICATE OF SERVICE I, JOHN R. SCHEIDEMANN, Attorney-at-Law, do hereby certify that I have mailed to the parties listed below, a copy of the foregoing: 1. PRELIMINARY OBJECTION TO AN AMENDED CIVIL COMPLAINT 2. CERTIFICATE OF SERVICE By placing a copy of same in the United States Mail, prepaid, on the 27TM day of November, 2001 to: OFFICE OF THE PROTHONOTARY CUMBERLAND COUNTY COURT HOUSE ONE COURT HOUSE SQUARE CARLISLE, PA 17013-3387 first class, postage PARK LAW ASSOCIATES ATTN.: ATTORNEY VALERIE ROSENBLUTH PARK 25 EAST STATE STREET P. O. BOX 1779 DOYLESTOWN, PA 18901 December 26, 2001 DATE DONALD E. SHARTZER 22 SINCLAIR ROAD, UNIT #4 MECHAi~ICSBURG, PA 17055 ~OHN R SCHEIDEMANN Attorney I.D. No. 86772 352 South Sporting Hill Road Mechanicsburg, PA 17050 717-737-2033 VALERIE ROSENBLUTH PARK, ESQ. ATTORNEY I.D. %72094 PARK LAW ASSOCIATES, P.C. 25 EAST STATE STREET P. O. BOX 1779 DOYLESTOWN, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF PROVIDIAN NATIONAL BANK : CUMBERLAND COUNTY Plaintiff : COURT OF COMMON PLEAS VS. : : DONALD E. SHARTZER : Defendant : NO. 01-5717 PLAINTIFF'S RESPONSE TO DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S SECOND AMENDED COMPLAINT Denied. Plaintiff's Complaint is a writing filed with the Court and thus speaks for itself. By way of further answer, Plaintiff's Complaint clearly states a cause of action for breach of contract and in the alternative for unjust enrichment. Denied. Plaintiff's Amended Complaint is a writing filed with the Court and thus speaks for itself. By way of further answer, Paragraph 8 of Plaintiff's Amended Complaint does not allege that the Defendant acknowledged the validity of the account, but states that the Defendant accepted and used a credit account issued through Plaintiff's credit facilities and that acceptance of the terms of that credit account are evidenced by the charges incurred by the Defendant on the account. It appears that the Defendant, in an effort to delay litigation, has filed the same Preliminary Objections to the Amended Complaint as were filed to the original Complaint. Denied. Plaintiff's Complaint is a writing filed with the Court and thus speaks for itself. By way of further answer, Plaintiff's Amended Complaint sufficiently and specifically alleges a cause of action for breach of contract and attaches the terms of that contract to the Complaint. It is not necessary for Plaintiff to attach a signed contract since Defendant's acceptance of the terms of the contract are evidenced by the Defendant's actions rather than the Plaintiff and Defendant actually signing an agreement. WHEREFORE, Plaintiff respectfully requests that this Honorable Court OVERRULE and DISMISS Defendant's Preliminary Objections With Prejudice and that Defendant be required to file an Answer to the Complaint within twenty (20) days. Respectfully submitted: ~PAR, ESQ. COMMONWEALTH OF PENNSYLVANIA : COUNTY OF BUCKS : Valerie Rosenbluth Park, to law deposes and says in the forgoing matter; Affidavit on its behalf; Esquire, being duly sworn according that she is the attorney for the Plaintiff that she is authorized to take this and that the facts contained in the foregoing Pleading are true and correct to the best of her knowledge, information and belief. Valerie Rosenbluth Park, Esquire further understands that false statements made herein are Pa.C.S., ~4904, relating to unsworn subject to the penalties of 18 falsification to authorities. VALERIE ROSENBLUTH PAARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 E. State Street Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF PROVIDIAN NATIONAL BANK Plaintiff VS. DONALD E. SHARTZER Defendant CUMBERLAND COUNTY COURT OF COMMON PLEAS NO. 01-5717 CERTIFICATE OF SERVICE Valerie Rosenbluth Park, Esquire certifies that she is the attorney for the above named Plaintiff in the instant action, and that on January 4, 2002, she served Plaintiff's Response to Defendant's Preliminary Objections to Plaintiff's Second Amended Complaint and a Proposed Order, by U. S. Mail, postage paid, to the person and at the address set forth below: Attorney for Defendant John R. Scheidemann, Esq. 352 S. Sporting Hill Road Mechanicsburg, PA 17050 PARK LAW ASSOCIATES, P.C. B~PARK, ESQ.