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Home My WebLink About97-02707 >-- ~ - d ...... t/) . ;# . J 1 f 1 ' \ \, '.... ~ ~ o -'.. ", \ / ~ i ~ \ J , , i I t- O r- (0 I , ! / / ( -61' un \.IJUI)C.l UO!S';!tUUJUJ ^W 11",11001(1;'1111 ,I/II'W H'," "'W/"II',' II/OI/M ,IU'JiJCI/"J.lII1C1 JII "ItIII'lIfi,S . ---.-., _._-- -- ----~._-,._---.--..._-._-_._---_._,_.-.~._..__.._- l""./II"ltl.,UIU'jj{"S -"'(i( '-------'---~O^Va SI1l1 Jl~ 'JlIO,J]H (JJl!Iu:Jsuns ONV I(J]Wlll~~VI NUOMS 11"""''''''''111''''1'1'''''1 ^'I: I """", ,I'll""'''' I,,, !,! 61 '--. 01 (\};I"Il,Hldl' ;HIl IImlll p',i(ltlV lO ,);IlIUN .I,\llqr. alll llu,AIlI'fItUOJ.ll' 11l11'jtlUlII:) .' .Ijlj OJ,II"II Jl.1ljJl'lll' IlI!aJaJ \,Ji1pUil5 'l!eUl ---U(1 P"~";ll"lIl' "I~M ;11'lU iJllI Uloll^' 01 ;;IIlB .ltjl Pil^WS I H'11I JIIlllJll' p\ll' u 'OI;II,llj p.ltpl'IH~ Id!.Uill 5,I.1PII;I<, 'lll~1ll IP"I.'I',"i'1I} (P;1\11I1011) ^q !. j ,I,}',\I,.'> l"u.J\I,.{j Iq L) ---- 61 '---~.- ..----.- <+______.n tlO --.--- --(.11/11,'0) ';'''lldlllll' ,'llIlIolln pllt' 'OPlollj p.HpPlll! 1t";J:),lI ~,I;JIHld!l 'I"'W lP"lill~llJill) 111;11"11'):)1 Afl r-') :nlfol,''> II'tH'~I<111 Aq l'l '---{it' - --.---~--._.. .-.------h--(,1.'!AJ.1S JO .11l!PJ lltl tll;ll;llll pilllwli!Silp ,lJ!I\nr PllI'dO ,1111 tlfHln .----.-~ -oN !lP~qcJ UOtUWo:) 'll!alldv 10 a:lllON alii 10 Ado:J (1 [I Jlil!\J;I~ IIPljl tUlljP~ 10 H'ilMlj ^(I<lI,HII :ll^\fOI:J:I\f U: :JO A.lNnO:l IflNIM1ASNNH ~O Hi 1lf3MNOWWO~ (SO>Dq o/qe~'/ddu ~~oq:J -,uodde 10 O~IIOIl oq/6U1/111111:1V SA va (O/) N11 NfHl/M 011/:1 381SnW O~!AJOS 10 IDOld S!Ql} lNI\11dWOO 311:l 01 31nU ON\1 l\13dd\1 :l0 30110N :lO 301^U3S :lO :lOOUd \ ~ ..... --- C'J .. " {-r.; ('., ~"<j ~" "1 , , " UJf, " -...::::r- 9,:, .. r(") I_I~ . ", .' .:~ !'() ~ lL~ ..... O. -' I'<) " P ""\ (.) '; f."J -, U! , In .. 'Y" C" ; .i~Y ~ ,,"') -.:::r ~ r- .~ - "-; ~ l!. r- ei \ L' C' ~~ \'- (\--<- ~~ ~ \J'- - . COMMONWEALTH OF PENNSYLVANIA COUNTY OF: CUMBERLAND 17011-0000 NOTICE OF JUDGMENT/TRANSCRIPT CIVIL CASE ' PLAINTIFF: NAME..,., AllORE.. ~REENWOOD TRUST CO. 1608 WALNUT STREET C/O EDWARD STOCK ~HILADELPHIA, PA 19103 DEFENDANT: VS. r.; NAME ..,., AOOREllS STALEY, FRED W. 16 N. 27TH STREET CAMP HILL, PA 17011 L .., M-o Olt No.: 09-1-02 OJ Name; Hon. ROBERT V. MANLOVE Add'"" 1901 STATE STREET CAMP HILL, PA T........, (717) 761-0583 ...J .., GREENWOOD TRUST CO. 1608 WALNUT STREET C/O EDWARD STOCK PHILADELPHIA, PA 19103 Docket No.: CV-0000125-97 Date Flied: 4/02/97 THIS IS TO NOTIFY YOU THAT: Judgment: ....fOR....DEFENDANT IKl Judgment was entered lor: (Name) STALEY. FRED W. IKl Judgment was entered against: (Name) GREENWOOD TRUST CO. In the amount 01 $ o Damages will be assessed on: o This case dismissed without prejudice. 00 on: (Date or Judgment) ~/1,/q7 (Date & Time) Amount 01 Judgment $ .00 Judgment Costs $ .00 Interest on Judgment $ .00 Anorney Fees $ .00 TOTAL $ .00 o Levy is stayed lor _ days or 0 generally stayed, o Objection to levy has been liled and hearing will be held: Date: Place: Time: ANY PARlY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FlUNG A NOTICE OF APPEAL WITH THE PROTHONOTARY/CLERK OF COURTS OF THE COURT OF COMMON PLEAS, CIVIL DIVISION. 5faSp1LUDE A COPY HIS TIC 0 MENT/TR SCRIPT FORM WITH YOUR NOTICE OF APPEAl. Date . District Justice I cenlly t t this Is a true and the judgment, [5 My commission expires lirst Monday or January, 2000, AOPC 315-96 I District Justice SEAL 'I ,t \\ >- C'J G; q; c-: .~ ~~-:1'" ,.- N w(~-.' ':..J::~ o~" - '-)~r; [E\' "- 6~ :}2 '".) or ......... . N .!.-', UJ~ c:.:: --'r' . >- .UI!J w-, rr.t. :2-JLL ["'", -- - :s ~ r- 0' U '. Y' for his use so that the Defendant(s) could make purchases from merchants, on credit, who had established a business relationship with the Plaintiff in regard to the same. 4. Plaintiff attaches hereto a copy of the standard Cardmember Agreement to this Complaint as Exhibit "A" which contains the terms and conditions of the undertaking between the Plaintiff nnd the Defendant(s). 5. Thereafter, the Defendant(s) utilized the said Discover Credit Card on various and sundry occasions. 6. Plaintiff attaches hereto as Exhihit "8" to this Complaint, a true and correct copy of the last monthly statement in regard to the activities in connection with the Defendant's account and also attaches hereto as Exhibit "C" to this Complaint, an Affidavit from the Plaintiff attesting to the present balance due the Plaintiff from the Defendant(s) in regard to the said account. 7. Notwithstanding repeated requests and demands of the Plaintiff upon the Defendant(s) to satisfy the outstanding indebtedness in the sum of $1,405.33, the Defendant(s) has and still refuses to pay the same. .' DllceVER" Ilf..\lH.l^L '1IlJ1CI!. I.....IIU CARDMEMBER AGREEMENT "'IA~,"l'lf PIIIII 'lid IIlII Aprllmlnl "rol,ltl blfarl Ull,p lOur DIIlO"" Card Amunl. II co,lIlns 1ll"lrmJ .nd c"dlllonl 01 lOur Amunl, 10m. 01 which mil .." ch"g.d lrom II~I" mlll~111 prondld 10 10'. In Ih. m,l o',ny dlff.roncll,1Il11 Aglllmlnllh.1I co,ltal, AGREEMElIT TtRMI. The wo'd 'Attounj' muns \'OIlr Discover Card "". counl The word 'Card' muns.ny ont or more Discover Cards Issued 10 you or someone else wllllyour luthortulion, The words 'you', 'your', or 'yours' refer 10,ln.ddilion loyou,!he Cardmember,'ny o!her person or perS<lns who all ~S<ltO/l1nC1ual~ Ilsbleunder IhisAQreemenl. The WOlds 'we', 'us' and 'ou~ reler 10 Gree~Nood Trusl ComPlJ1Y,lhe Issuer of your Discover Card, ACCEPTANCE OF AGREfMElIT. The ~ 01 your Accou,I or a Card, by you or anyone whom \'OIl authortze 0' pennillo use your Accounl or a Card, means you .cupllhis AQreemenl USE OF YOUR ACCOUNT. Your A<coIfrt may be ustd lor. . PuIthases.1o purchase Q( lease goods Q( stMi:es Irom NDVIlS" Nelwor1< merthanls by p'estnUng your Card Q( accounl number. . Cash Advances .10 obWn ash advances.1 NOVllS Cash Nelwork" .uto. maled tener machines, ',om participating financlallnslilutions or Olher locations, or by means 01 checks wfllch we may I,mish 10 you, altln aceor4.1nce with such addiUonal lerms and conditions as may be Imposed IromOl1llllollme, . Balance Trans'eB .10 transfer balanus lrom o!hercredrt (:Ird aceounls by means 01 balance ltansler coupons Of checks, In accordance with such additional terms and condlllons 01 ohm!hal are made Irom lime 10 lime, In addition. your Accounl may be ~ 10 guarantee holel reservalions al par. 1icIpaling estab6shmenls. You will be lab~ lor guaranleed restrvalions !hal are nol canceled prior 10 the Ume specif<d by Ihe eslablishmenl. You agree !hat you wil only ust your Accounllor personal.l.mily. household and charitable purposes. Your Accounl may nol be used 'or business or com- mercial purpostS or 10 obtain loans 10 purchase, carry or k.de in securilies, In lddiUon. \'OIlr Accounl may noI be used 10 pay any amOllnl you owe under this AQreemenl Prior 10 Its Ust, Uch Card musl be s~ned by Ihe person 10 whom h Is Issued, We are nol respon~ble lor Ihe relulll 01 anyone 10 acupl or honor a Card or 10 accepl checks 1Nt we have plO'o1ded you, You musl relum any Card or unused checks 10 us upon lI<luesl AUlHORIUO CARD USERS, "you wanllo cancel !he authorized or permll. led ust 01 \'OIl' Attounl by another person, you musl nolily us in wnling or by lelephone and deslroy.ny Card in lha1 peBon's posseSSion MEIIBER I_I NETWORK lJWH'u\R(V 1196 LIABilITY FOR UNAUTHORIZEO USE. II a Card is IoSI or S101on, or II yo, think thai someone Is using your Account Dr a Card WIthout your permIssion. nolily us immedlalely, You can nOlily us by lelephoning \.800,DISCOVER 11'8011-347'2683),0' bywrlllng DISCOVER CARD. PO 80' 15156, Wiminglon, DE 19886- 1002, You m.y be loble lor Ihe unauthoriled use 011 Card or your ktounl. You writ nol be I~ble lor unauthoriled us< lhal octurs aller you n0111y us, by phone or In wribnl, ollhe 10ls,thell, or pos~b~ unaulhorilld ust, In any cast, your l~bili1y will nol ue<ed 15000, CREDIT LIMIT, We wiil advlst you 0' your credUlimit. We may Incruse or decrease \'OIlr credll UtnUlrom lime 10 lime, YOIl agree noIlo uceed or .lIempllo exceed your credU fimlL You wiil exceed your cre<li1 UtnJ1 II you ailow your unpaid b.~nce, Including Rnane< Charges and lees, 10 exteed \'OIlr credrt limit. Your credlllimil wrll nollnclude lhe amounl 01 any credil balance In your Accounl PROMISE TO PAY. You Igree 10 JIIY us in U,S, Ool~rs lor an purth.lses, cash advances and balance Ilanslers IOOudmg applicab~ rllllJ1Cl Clwges and o!her charges Of lees, Incurred by \'OIl or anyone y.ou luthorlze 0' perroUlo use YOllr Accounl or I Card, even II you do nol nolily us 1h.I1 o!hers are using your Accounl or a Card, We wliI convert pulthases and cash advances made In a lorelgn cunency 10 U,S. Dol~B all rate exJsling on the &Ie 01 COl1'/ers~n, II \'OIl pay us In other than U,S, Dol~rs, we may refust 10 acuplthe paymenl or charge your Attounl our cosllo COnveR your paymenllo U,S, OoI~rs, All checks musl be drawn on lunds on I,posit in the U,S, "your Acco.nlls a Jolnl Account. each 01 you agrees 10 be liab~ individually and jointly 'or the enUre amounl owed on your Account. We can accepl ~Ie paymenls Q( putlal paymenls 0' checks and money orders marted 'paymenl In luil' Q( with any o:her res1rlctive endorsemenl wlUJout losing any 01 our r1ghls undtr th~ AQreemenl MDNTlllY 81WNG STAIDlEllT. We wrll stnd YOIl a billing slalemenl aller each monl!Jly billing pe~od In wfllch you have a debU or credrt ba~nce 01 11.00 or more, The billing stalemenl wiil show ~I purchases, cash advances, balance ltansfers, Anance Charges and o!her charges or lees and ail pay. menls or olhercredils posted 10 your Accounl dunng!he billing period, II wiil sl10w your New Balance, Minimum Paymenl Due.nd Paymenl Due O.fe, MONTlllY PAYMENT OPTIONS. You may al any time pay the entire New Ba~nce shown on your billing slalemenl, but uch monlh you musl pay at leasl!he Minimum Paymenl Due, All paymenls musl be mailed or delivered 10 us In OebWlre al PO Bo, 6Ott, Oover, DE I99OJ-6011 or by using the envelope eOOOst<l with such slalement. All paymenls wiil be applied as deler- mined in 00' disoreUon, We rest... the righllo apply payments 10 ba~nces subject 10 lower Annual Percenlage Rales, such as special rafe ba~nce lrans. lers, prior 10 ba~nces subject 10 higher Annual Percenlage Rates, MINIMUM MDNTlllY PAYMENT, The Minimum Paymenl Due uch month wiil be the sum 01 any amounl pasl due and the minimum monthly payment The minimum monthly paymenl each monlh will be the grealer 01 $10,00 or an amounll<luallo 1/48th 01 the New Ba~nce, rounded 10 the nut higher .liol, dollar .mounl. However, if the New B'lance Is fess lhan $10,lhe mini- mum monlhly paymenl wiil be the amounl of Ille New Balance_ You can pay ahead, The M,nimum Paymenl Due lor IIch monthly billing ",riod writ be reduced by the amounl you have paid in mess of !he Minimum P.yment Due in any ollhe Ihree previous monlhly bIlling penods, ~ss any pol1Jon ollhe itw't~r<-" ~:XIII/lI1' "A" ~ ."~~:.ci~ excess already used 10 reduce payments. HoweY~,ihm WIll be no reduction ,I you have e.eeeded 1"ur credit limIt or you have paId Ihe enllle New I!.ll. Ince shown on your blllil1ll stalement, There will also be no reduction il Ytlur Actounlls nol tullenl. has not Qeneral~ been paWl in an atttptable manner or Is olherwlse nolln Qood standlnQ, CREDIT BAlAlICES, We will relund any credit balance .,Ihin seven bus~ess days Irom receipl 01 Ytlur Wllllen request. II Ytlu do nol requesl a relund, we will automallal~ reluncl cre<!lt baIante$ Qruler than S 1,00 w11Ith remain In Ytlur Actount alter two bll\il1ll periods, BAlAHCE TRANSFERS. W. may perlodital~ oller YtlU the oppolluni!y to transler baUnas Irom other cre<!rt carU accounls toyour Actount. Eatll oller will contain an Inlbal special rate, which will ,be the Annual PertentaQe Fble thet will apply to tl1J\slene<! baUntes lor the time period spetif.U In the oller, Alter Ihe "piration 01 this time penod, Ihe Annual PercentaQe Rale lhat applies lor purtllases wiD aPll~ 10 lransfene<! ba','ras, I!.lUna lransfers subject to Ihe Inillal spectal rale are relerreu 10 as special rale balance Iranslers; batanu Iranslers lor whltll the Inillal special rale has explreU are relerred 10 as pu/tNse rale batance translers, Eatll oller wiD conlaln an explralion dale, II you allempl to Innsler baUnas by means 01 a ched< aller the expiration date, we Wl1 trul the transaction as a cash advance, We wiD nol make balance transfers allemple<! by muns 01 a coupon aller the "lllratlon date, . PERIODIC ANANCE CHARGES. Excepl as explained below, Penodlc Anance Challles are Imposed on putthases,cash ailYarasand baUna transfers Irom the date lhe transaction occurs 10 the date 01 repayment. II the lransaction Is posled 10 your Attountalter the close 01 the billlno period In w11Ith 11 occurs, we wiD trul the lnnsat1ion as hritl1llllttUned on the lirst day 01 the billil1ll penod In which Ills posled 10 Ytlur Actount. We will assess Penod~ finance Chargesaslollows: (1) CurrenlBilllf1llPerlod Perlodic flnara Challles are Imposed lor the curr,"1 billing penod on ~urclwes, cash advances and babnee translers unless you paid, by the Paymenl Due o.te, the New I!.lIante shown on your previous billlf1ll stale' menl. We compute Periodic Fonance Charges uch day by multiplying your daily baUras 01 purtllases, cash advances and babnce translers by the approcable Dal~ Periodic Fbles, On~ special rate batanee Irans. lers are lntlude<!1n the dai~ baUna 01 balance transfers; purtl1.1se nle babra translers are Intlude<!1n the daily balance 01 purtl1.1ses, At the end of the billil1ll penod, we add up the results 01 these dai~ talculations 10 delermlne your Perlod~ Fonanc:e Charges lor the billing period, f1x pun:hases, the daily baUna Is taItull~ on each day by first adillf1ll the loIIowing 10 the prr.1ousllay'sdaiybalance: purt!lases11\llle thelday, fees chargeilthat day l,,;u, the exception 01 Transaction r.e FInar<e Charges) and Per'OOc FInar<e Charges dwgeil on the prr.1ous llay's daily balance; and by then sublndil1ll 3lrf treIi1S and payments \hat are app1ied aQ3ins1 the balance 01 purtllases and purchase nle balance translers on \hal day, On the first day olthe bimOQ p'rIod.. also a~d to the bJ~nte th~ bJla"'e lranslers that become purcnase n!e baonte Innsl", on \hal day, For cash advances, the dai~ balance Is cakubled on utll day by firsl adding the 10llowll1lll0 the previous dav's JUj~ babnce; cash advances made thet day, Transaction Fee finance CharQes lor cash advances made thai day, and Penodic finance Charges charge<! on Ihe previous day's .' dJ:!y tll!Jnt:~.Ir.d by then sublmtmg any tledlts and pJ~,menls that 'Ie applIed agaInst Ine halJnce 01 cuh advances on lhal day For ,baUna \lwlelS.the dailybaUnce Is caltuUle<! on e.ICh day by IllSt adding the 1~1owmiJ to the rrMOUS day's lUltf balance: balance ~wfers madethellUyand Periodc inanceChargesdwQedonthepreviousday's dai~ ba~nce; an~ by then sublracMQ 3lrf cred.1s and rl)menls thel are applied agalnsl the 6aUna 01 balance Ilanslers on the day, On the IIlSI day 01 the turrenl biIIlf1Il period we ~so subtract Irom the balance those balance translers thai become purchase rale balance translers on \hat day, 121 Previous BiIIil1ll Perlod Period< Fln.lnce Charges are Imposed lorlhe previous b~lil1ll period on previous billil1ll penod purchases. cash advar<es ancl balance translers un~ss Perlodc Finance Charges were alrully Imposed lor that billlf1ll period, or Ytlu paid the New I!.lbnce shown on YtlUI previous biliil1ll SUle. ment by the payment Due Date, To compute these dwges, we use the same method 01 calcubtlon thai we use In calcubtillQ the Periodic A. nance Charges lor the turrent bilhllQ period, as described above, except thet the applitab~ Daily Perlod~ Fbles are awlie<! \0 daily balances 01 purclwes, cash advances and balanee lranslers 101 e.Ith day 01 the pre' vIousbiliillQperlod, These~balancesarealsocompute<!asdescrlbed above, with the 'previous dai~ baUna'consldered to 11M been zero on the first Gay 01 the hi Il1lI penod, (31 D~~ Penod~ Fbles and Annual pertentage Fbles The Daily Periodic Fbtes awlitab~ 10 purtllases and cash ailYaras lor the turrenl bU1i1lQ period and the previous biDif1Il period are based on the Annual Percentage Fble In elled for oatil billil1ll {lOrlod as delermined below, The D~~ Penod~ Fbles lor uch billlf1ll perlod are If.l651h 01 the Annual Percentage Fbles In elled lor the billlf1ll penod, The Annual Per. centage Fble for purtllases may be change<! based on chal1lles In the rale IeYeI for which YtlU quali~, as exp~ine4 below, The Annual pertentage Fbtes are clelermlne41n part by the Pnme Fble, For pUlJlOses 01 this AQreemenl, the Pnme Fble Is the h1Qhesl rale of inlerest iisle<! as the 'pnme rale'ln the lnoney rales Sec'ion 01 IM1IlII SI".t Joumal on the last business day 01 the month, When the Prime Fbte changes, the Annual Peltentage Rales will chal1lle beolnnlllQ on the lirst day ollhe flrsl binil1ll penod whitll beoins In the calendar month 101l0wil1ll the change In the Pnme Fble, tncre.lSes In the Prime Fble may cause the D~~ Perlod~ Fbles, Penodic FUWlte Charges and M~lmum Paymenl Due utll month to Incruse, TIle Prime Fble Is mere~ a pric. Ing Index and does not represent the Iowesl or best Inlerest nle avaibble to a borrower al any par1itutar bank at any given time, 14) Annual Percentage Fble lor PUlthases We may have ollered you an Inlroduclory rale on pultham, The Inlroduclory rale Is Ihe I~ed Annual Percentage Rate lhal will app~ to purchases lor Ihe time penod specilled In the oller. After explra. lion of Ihis lime period, the Annual PeltentaQe Rate for purchases will be as described below, The Ih". Annual PercentaDe R.11e levels lor ptllthases are: lhe Standard Fble, Ihe Bell.. RII. and the BeslFble, The rale level lor wh<h you quaii~ is based on the lolal amounl 01 purchases thel you make dUl1l1Q an annual penod, as e.pbined below, PUlthases which compose this annual total are sometimes relelle<! to as qU~lfle<! purtl1.1ses, We make cerUln appropriale adjuslments 10 qualU~d PUlthases In respecl 01 } lRu~trt '. ....:........t#"tI AccounlaetMly (e,g" a tledillssued for I ~Iumed purchase), Vou Will gU1li1y lor. the Stand1rd IUle 11 lolal qU1llflld purtlwts are ~ss Ih.1n $500,00, the Bener lUte II lotal qUJbf<d purtllases a~ $SOO,oo or more bul ~ss Ih.1n $1000,00, and !he BesllUte 1I101aJ qU1l,hed purchases are $1000,00 or more, Vou will ~U1I.i1y lor and receive the Best IUle unlil your liBI Annll'flSary Date, sub)eCl fo disqU1li1icatlon. We ~Ier 10 the d1te U~tls Ih. ":1 day 01 the IweIl1h bUllng perfod IlIet yout AI:count was opened, and Uch ',IMU1IIMIveIWl 011h.1l illte,lS yout AnI\IveIlll)' Date. On eachAnnl. velWl Date, we WIll determine your nte "'" bistd 00 lolal qUJUfied puttlWes for the preced'1llQ 12 biting periods. The nte level wDllppt{ 10 purthms (Includ~g the outslaJI'flllQ purchase balance) beginning on the IlIII day, subjec1lo dlsqualiflCllion. Vou will nol be eligible lor !he Bener lUte or the Besl Rate II oil your AnI\IveIWl Date you have lalled 10 male the Minlmum Payment Due by the Payment Due Date lor In~ consecutive billing periods. ' , lIalanyUmayou fall 10 male the Minimum Payment Due by the Pi}'I11enl Due Date lor IWo consecutive billing peIiods, you will be d~quali1led lrom the Bener lUte or the Best Rata and we wIIJ change your nle level 10 the Standard lUte. The SlandanIlUt! wIIIlWt{ 10 Purthms(lrjCI~dln9.the outsf3nd'1llQ purdwe balance) from the fim lIlY 61 the seCOOd billing period t,Wilk!' you failed 10 male the MinImum Paymenl'Due by the Paymenl Due LJIII until your /lIlI AnI\IveIWl Date, ',' , . II your kcounl b closed, the rate level (1h.1I1s, !he Standaid Rate,lhO Bener lUte or the Besl Ratalln effec1 00 the illte yout AI:counl b dosed =lfWa=~ur AI:counlbpaJdk1IUn,SUb~~~~~~~n:1S TheSlandanI flate banANNUAL PERCEIDAGE RATE 01 (a) 19,8%, wf1en the PrIma Rata b lower Ih.1n 10,9%, and (b) PrIme lUte plus 8,9 percent. IQlpo1nls, wf1en thePrfrne lUt!b 10,9'4 or 1IlOl1, The BetterlUleban ANNUAlPERCEIDAGE RATE of PrIme Rate plus 10,9 ptlttntage points, btJ1 never exceeding the SlandanIlUte. The Best lUte Is an ANNUAl PERCEIDAGE RATE 01 PrIme lUte plus 8,9 percentage points: The Bel. ler and BesllUtes have a minimum 0112.9%. The Dlit{ Period~ lUtes and correspondlll9 AnnU1l Percentage Rates ~ effec1 on the date !hIs ~reemenl b lumlShed 10 you are sOl foi1h In the entlosed 'Additional DlscIosure',orcardcarrler. , , (5) AnnU1l Percen!a<Je RIle for Cash Advances '" I _ Th. ANNUAl PERCEIDAGE RATE lor casl1 advances b (I) 19,8%:wflen th. PrIme lUte blower Ih.1n 10,9'4, and Ibl Prime lUte plus 8.9 peltOnl. ago polnts, wflen!he PrIme lUte b 10,9'Y,; or mo~, The D~t{ Periodic Rat! and corrlSllOndlng AnnU1l Pen:entage IUle In effec1 on !he date this ~reemenl b fumlshed 10 you are set IllI1lIln the enclosed 'Additional DlscIosure'orcardcarrler, . (6) AnnUJI Percentage lUte lor Il.1tance Trans!eB ;", The 0aiIy Period~ Rale and corresponding AnnU1l Percentage Rate In effec1lor special nte balance transfers win be sel 1O<th In !he offer lrom us under which you make !he balance Innster. As Indicated In Ihe Il.1lance Tllllsfm Sec1ion lbove, purchase nte balance Innsfers will be subject 10 !he Dalt{ Periodic IUle and corresponding AnnU1l Percentage Rile lhal Ippt{ 10 purchases, II you recerved In oller prior 10 your recelpl 01 this Agreemen~ the Daily Periodic Rates and AnnU1l Percenl. Ige Rales In effec1 on lhe d1te this Aoreemenlls lumished 10 you are sel 10i1h In !he enclosed "Add~onaI DISClosure" or card carrier. .' TRAH$ACnON FEE FINANCE CHAJlGES, We will charge you I TransaC\lon Fee Finance Charge of 2,S% 01 !he lmounl 01 ead1 new cash advance, There Is I minimum Transaction Fee FINANCE CHARGE 01 $2,00 Ind no maximum Transaction Fee FINANCE CHARGE. The Imposition 01 Transaction Fee Fl. nance ClJarges may resullln In AnnUli Percentage lUte lor cash Idvances Ih.1I b higher lhIn the nomino1l AnnUli Percentage lUte. A11lorms 01 cash lilvtnces,lntluding Ihe use 01 Discover Card checIcs, reganl~ss 01 the pur. pose lor wldcl1 used, all subject 10 Transaction Fee finance ClJarges, To oblain the lotal Finance Charge on cash liIvtnces lor each bUllng period, we Idd IIf/ Transaction Fee finance Charges for !he blUing period clWQed under this seCtIon 10 Iny Periodic finance Charges calculated under !he Periodic Finance ClJarges SectIon lbove, . MINIMUM PERIOOIC ANANCE CHARGE. We will CI1aroe you I minimum Periodic FINANCE CHARGE 01 $,50 lor any bU11ng period k1 wI1lch some Peri" odic FINANCE CHARGE 01 less lhan $.50 would otherwise be IlIljlIlSId, RETURNEO CHECK ill. We win charge you I Returned CllecI< Fee 01 $15,00 ead11ime you pay us With I check Ih.1IIs relumed unpaid, ThIs lee win Ilso IDOtt II a debll translctioo 10 I deposlllccounllrom wI1lch you have Iutho- rind us In writing 10 periodlcalt{ deduct In or I part 01 an amounl you owe us under this Aoreemenlls relumed unpaid, LATE m. We will charge you I late Fee 01 S20,oo II you laillo make I requited paymenl wilhin 20 lIlY> Iller the Payment Due Det! In any month, RESEARCH FEE. We may charge you I ReSlllth Fee 01 $5,00 lor each copy 01 I billing statement or sales shp Ih.1I you requesl However, we will nol charge I fee II you requesl copies In connection wi!h. billing error, DVERUMlT FEE. We will charge you an Dver1im1l Fee of $15,00 for each billing period In wI1lch you exceed your tledll hmll ThIs fee !"!y be charged even lithe IIansIctIon wfllch causes you 10 exceed your crecfrt IimI1 b Iutho- rized by us or II you exceed your credilllmll due 10 !he pos1Ing 01 fU1lJlCl chargeS or lees 10 your Accounl DEfAUlH:OLUCT10N COSTS. Vou ar.ln dellun II you become InsoIven~ II you lie I bankruptcy petition or have one filed Igalnst you, Of II you fall 10 comply With !he lerms ollhls Agreemen~ Including IIDlng 10 make a required paymenl wflen due or exceeding your credll hmllll you Ire In d<faull and we reler the colleclion 01 your Accounllo In Inorney, we may charge you re.. sooahIe 11Iomeys' lees Ind court or other collection costs as permitted by law and as ICIUlIIy Incu"ed by us, CANCElLAnON. You may cancel your AI:counl by notilylng us In writing or by le~phone Ind relurnin<J or deslroylng every Card and unused check Ih.1I we ho1ve provided you, Dt course, you Win stin be responsible 10 pay any Imounl you owe us Iccordlng 10 Ihe lerms ollhls Aoreemenl II your Account b I jolnl AI:coun~ each 01 you may cancel your AI:counl We may cancel or suspend your Accounlll any time willlout notice. We may ~so declare !he entire balance 01 your Accounllmmed~lelv due Ind payable without nolice: iI you are In delault, iI we holve I reasonabre bellellhll you Ire unable or unwilling 10 repay your obligations 10 us, II you are InsoIven~ II you file I bankruptcy petlllon or have one tiled Ig.lnsl you or II you die, We may ctJoose nollo renew your Accountlberond the expinlion illle shown on Ihe lace oil Card) wilhoul nolice, PllIVACY, We may Investigate your credll, employmenllnd Income records Ind verily your credll relerences, We Ilso may report 10 tledll reporting Igen. Cies and olher creditors Ihe status Ind paymenl hlstolV 01 your kcounlln. eluding "egahve mdillnlormlhon, We nOrTl1llly report 10 such credil repori. Ing lOencies each month, We will nol release !his InforTl1ltion aboul your . , ~ r - ( ATTORNEY: STOCK 6011 0022 3750 5896 BALANCE: CARDMEMBER IS) : .' $1405.33 STALEYjFRED W STATE OF OHIO COUNTY OF FRANKIN DIANNA WHITE, personally appeared before me, this day and after being duly sworn according to law, upon her oath and says: THAT she is the Legal Representative for DISCOVER CARD, an affiliate of GREENWOOD TRUST COMPANY, a corporation duly organized and existing under and by virtue of the laws of the State of: Delaware. THAT their capacity as Legal Representative Affiant has control over and access to all records regarding the account of this debtor; further that the Affiant has personally inspected said account and statements regarding the balance due on said account. These Records are kept in the normal course of business. THAT the undersigned Affiant being duly sworn deposes and says that there has not been a knowing violation of the State Consumer and Credit Laws regarding this transaction. THAT the annexed statement of account, in favor of GREENWOOD TRUST COMPANY, is a true and correct statement and there is now due and owing to GREENWOOD TRUST COMPANY, the sum over and above all legal set-offs. 'Attached' hereto as exhibit A is a copy of the terms of the account which we forwarded with the charge card to the Cardmemberls) . THAT to the best of Affiant's knowledge and belief the defendant is employed in civilan life and by reason thereof is not engaged in the military service of the United States and is a resident of the State and of the Country in which this action has been filed. THAT this affidavit is made on the bases of Affiant's personal knowledge and in support of Plaintiff's suit on account against said Debtor. TINA MORENO KINNISON NOTARY PUBLIC, STATE OF OHIO MY COMMISSION EXPIRES 07-28-01 '~J(~~ Affiant ~\ .\2. , ~_J. '- .............""--""''"''''''-''~~.~ NOTARY ......' .... .r...~lAL .">. (~\ ~~~~~ ) "-:!...:::._?"..'i Sworn and subscribed before me this 4TH day of DECEMBER, 1996 EXIIIBIT "e" 0- C' ;0- r ~. " u: ,-- j::- -- ," f..".! ; ~ 11.J . ~ <'.1" , fe:' , ~.o L" , , ' c '- ' - , , I~. I:n _. '.'.. I r- ::1 c- o, '.' \..) ...... c-: >-- -.:\' Ln t-- 1-": / 1'.1(":' C','" =-i. (.);< , , f::-. c:: .. ~::. (5~ ' ":l::i I' CY C'. t:../: _I Lt_ ; , I- :j~? ,... C~ c:; Ll. ('0:) .:.' t.' C" U