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Home My WebLink About00-05611 VALERIE ROSENBLUTH PARK ATTORNEY I.D. # 72094 PARK LAW ASSOCIATES, P.C. 25 EAST STATE STREET DOYLESTOWN, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF I HEREBY CERTIFY THAT THE TRUE AND CORRECT ADDRESS IS: PLAINTIFF: 295 MAIN STREET TILTON, NH 03276 DEF: 200 PARK AVENUE SUMMERDALE, PA 17093 4428471676414153 CUMBERLAND COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK Plaintiff VS CONSTANCE R KERSTETTER Defendant NO.00-5611 CV PRAECIP'E FOR JUDGMENT TO THE PROTHONOTARY: Please enter Judgment in favor of the Plaintiff and against the said Defendant for failure to plead or otherwise respond to the Complaint and assess the damages as follows: AMOUNT OF CLAIM ATTORNEY FEES PLUS ACCRUED INTEREST LESS PRINCIPAL PAID LESS OTHER PAYMENTS $4,895.40 $979.00 $231. 94 ($651. 05) ($1,103.45) $4,351. 84 PLUS ADDITIONAL COSTS I CERTIFY THAT THE FOREGOING ASSESSMENT OF DAMAGES IS FOR SPECIFIED AMOUNTS ALLEGED TO BE DUE IN THE COMPLAINT AND IS CALCULABLE AS A SUM CERTAIN FROM THE COMPLAINT. I certify that written notice of the intention to file this Praecipe was mailed or delivered to the party against whom judgment is to be entered and to the attorney of record, if any, after the default occurred and at least ten (10) days prior to the date of the filing of this Praecipe. A true and correct copy of the notice pursuant to Pennsylvania Rule of Civil Procedure No. 237.1 is attached hereto and marked Exhibit "A". TOTAL L >'i<'1..,lI I'~ . ~ ~, - VALERIE ROSENBLUTH PARK,ESQUIRE Attorney for the Plaintiff . . AND NOW, ()('...+ ')~ ' ~~y)() ,Judgment is entered in favor of the Plainti f and aga1nst the Defendant by Default for want of an Answer and damages assessed in the sum set forth in the above certification. /s/ Cln),' ) ~ ~ / PROTHONOTAR~ d-- 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. '-\" " ~~ ~~, .~---,"-~ . 'i:i0'~" " VALERIE ROSENBLUIH PARK ATTORNEY !.D. # 72094 PARK LAW ASSOCIATES,P.C. 25 EAST STATE STREET, P.O. BOX 1779 DOYLESTOWN, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF I HEREBY CERTIFY THAT THE TRUE AND CORRECT ADDRESS IS: PLAINTIFF: 295 MAIN STREET TILTON, NH 03276 DEF: 200 PARK AVENUE SUMMERDALE, PA 17093 CUMBERLAND COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK Plaintiff VS CONSTANCE R KERSTETTER Defendant NO. 00-5611 CV NOTICE OF PRAECIPE FOR ENTRY OF DEFAULT JUDGMENT TO: CONSTANCE R KERSTETTER 200 PARK AVENUE SUMMERDALE,PA 17093 DATE OF NOTICE: 10/3/00 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED OF YOU IN TIllS CASE. UNLESS YOU ACT WTIHIN TEN (10) DAYS FROM THE DATE OF TIllS NOTICE, A JUDGMENT MAY BE EN1ERED AGAINST YOU wrrnOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE TIllS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP. COURT ADMINISTRATOR CUMBERLAND COUNTY COURTHOUSE, 4th FLOOR CARLISLE,PA 17013 (717) 240-6200 PARK LAW ASSOCIATES,P.C. BY: VALERIE ROSENBLUTH PARK, ESQ. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. I=YIoI'RIT A .. ", " . VALERIE ROSENBLUTH PARK ATTORNEY I.D. # 72094 PARK LAW ASSOCIATES, P.C. 25 EAST STATE STREET DOYLESTOWN, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF I HEREBY CERTIFY THAT THE TRUE AND CORRECT ADDRESS IS: PLAINTIFF: 295 MAIN STREET TILTON, NH 03276 DEF: 200 PARK AVENUE SUMMERDALE, PA 17093 CUMBERLAND COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK Plaintiff VS CONSTANCE R KERSTETTER Defendant NO. 00-5611 CV VERIFICATION Of NON-MILITARY SERVICE COMMONWEALTH OF PENNSYLVANIA: COUNTY OF BUCKS VALERIE ROSENBLUTH PARK, Esquire, being duly sworn according to law, deposes and says that she will make this affidavit on behalf of the within Plaintiff, being authorized to do so, and that she believes and therefore avers, that CONSTANCE R KERSTETTER, Defendant is over 21 years of age; that his/her place of residence/business is located at 200 PARK AVENUE SUMMERDALE, PA 17093 and that he/she is employed and that he/she is not in the Military or Naval Service of the United States or its l1ies or otherwise within the provisions of the Soldiers and ilors civil Relief Act of Congress of 1940 and its amendment PARK W ASSOCIATES, .C. BY: Valerie Rosenbluth Park Attorney for Plaintiff E10 ,~JF'-~~'''''''I ~"1 ,- ,..,..~, " - "1l ~ ~~,_ .~~.. . VALERIE ROSENBLUTH PARK ATTORNEY I.D. # 72094 PARK LAW ASSOCIATES, P.C. 25 EAST STATE STREET DOYLESTOWN, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF I HEREBY CERTIFY THAT THE TRUE AND CORRECT ADDRESS IS: PLAINTIFF: 295 MAIN STREET TILTON, NH 03276 DEF: 200 PARK AVENUE SUMMERDALE, PA 17093 CUMBERLAND COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK Plaintiff VS CONSTANCE R KERSTETTER Defendant NO. 00-5611 CV NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below: [X] Judgment by Default [ ] Money Judgment [ ] Judgment in Replevin [ ] Judgment in Possession [ ] Judgment on Award of Arbitration [ ] Judgment on Verdict [ ] Judgment on court Findings [ ] Judgment on District Justice Transcripts [ ] Judgment on Judgment Note [ ] Judgment on Writ of Revival [ ] Praecipe to Reassess Damages IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: Park Law Associates, P.C. at this telephone number: (215) 348-5200. PURSUANT TO THE REQUIRED THAT WE STATE TO COLLECT A DEBT. ANY PURPOSE. PM?r'~r R ~ 1<{ /] .) FA;R DEBT COLLECTION P~ ICES ACT, IT IS THE FOLLOWING TO YOU. THIS IS AN ATTEMPT INFORMATION OBTAINED WILL BE USED FOR THAT ':3~)~ I', ", , "-- " . , ~ - ~ '" ", '''~e,. ..... " '" '''',' ,"4-,1. , ~',"'- --,,,,,~ " - ,,~~,-- '"_~.'~~V~~_< __'''~'__' ","'" . .(q ~ f-J ~ ...0 . fi:- & 0 (~ c:: Ci - @ < 0 :':.! r - ~r;-j :~) B F! n"!['"'i '.'-1 L~-:-~'.' ;---',,,) 2:(. l co ,~ t=, ~ --c, -< r:; .'.", J ?;c; - \' .'-":""1-' R 5> (~~ ':~-J L- ,'" :< {n ,- '" ~,>,..,.~,. ~~Ifl'~I$\'I~ ''-,' , .""".,;-~~~~~!!f':~ VALERIE 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 ATTORNEY FOR PLAINTIFF IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PROVIDIAN NATIONAL BANK Plaintiff VS. CONSTANCE R KERSTETTER Defendant NO. 00 - .5'1. { I Co~(~ 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 obj ections 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. 4th COUR'f kDl.IIMISyltFd'olt C~b . ~ . ~'iSaCJ~~/\j !fluor, Cumber.lanu LUUUL.Y C,-,uJ..tL.euS€. GUli9h, 01\ 1 7n1, ~ I.. '~L>,J..!Joe (:1:) ;319 s~nn GvJ../~;PA-- 17016 7/7- d'l9-']/' (.. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ',",:"',,",.7-' ,.,,, " ",,,",",O,n," <" -, ~" > ',' > n" _"'. ~ -" VALERIE 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 ATTORNEY FOR PLAINTIFF IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PROVIDIAN NATIONAL BANK plaintiff VS. CONSTANCE R KERSTETTER Defendant NO. 00- ~L.{f CCJ~L~ 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 attorn~y 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. 4th COURl' AilIUMHITItkTOIt C~b . (b . W<;saCJ~:c.'IJ fluor, Cumber.lan<.1 LOUllLY C,-,u,J..tL.eIdGc GS1rlislQ, or. 1 7n1"< ~ J..d:J~~.J.. f:Jac. (:17) 219 €:lQQ /? I -i-771r. ' .:) ~IS"LC{ fin- /7010 717- d)f.{9-.3/' (.. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL B~ USED FOR THAT PURPOSE. ."i_"'~ ~ "I T "~ ,.,,- 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#:4428471676414153 CUMBERLAND COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK 295 MAIN STREET TILTON, NH 03276 PLAINTIFF VS CONSTANCE R KERSTETTER 207 VALLEY ST. SUMMERDALE, PA 17093 DEFENDANT NO. (M-St;,// CWJ ~ CIVIL ACTION 1. The Plaintiff, PROVIDIAN NATIONAL BANK, is a national banking 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. 2. The Defendant, CONSTANCE R KERSTETTER, has a mailing address at 207 VALLEY ST., SUMMERDALE, PA 17093. 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 4428471676414153. 4. The Defendant requested an account, account number 4428471676414153, 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 nAn 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 $4,895.40 as of 06/20/2000, plus pre-judgment contractual interest at the rate of 15.90% 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 $979.00. WHEREFORE, Plaintiff demands that judgment be rendered in favor of the Plaintiff, PROVIDIAN NATIONAL BANK, and against the Defendant in the amount of $4,895.40, plus pre-judgment interest at the contractual rate of 15.90% per annum from 06/20/2000 until the date of the judgment herein, plus reasonable attorney's fees in the amount of $979.00, less payments made, plus costs and any other such relief as this Court deems reasonable and just. COUNT II 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 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 $4,895.40, plus pre-judgment interest at the contractual rate of 15.90% per annum from 06/20/2000 until the date of the judgment herein, plus reasonable attorney's fees in the amount of $979.00, less payments made, plus costs and any other such relief as this Court deems reasonable and just. PARK LAW ASSOCIATES, P.C. BY: VALER 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. 1.1.,_ ~ ,'~ "",, ','1" ."'- '1,..::::.. l~f~PROV1DIAN ~ FI.lT.an(,:il.1{ EXHlEWf PrC\ltC!atl Nattcnal 8.ank V1SA0l:1r ,~lastetCar&;l February 7, ,ceo A PIe3:;e re-liew lh!: ccC'..::ment at,1d keep it with: ycUr Olh~ import2ntpape!S. This Ac=unt A~~ent CCl1lalClS the te;m~ 'Alitt'?-~ ~cvem 'jeur r-roVI ... , lasterCard A _, t {the- ~~au~n.. Ine- Ac=acnt,atlcwS' yClJ 20 make 9.U:C.-:ases Or I.!S./crg your V~SA ar ~'Vlasr~arc: ~d (the Card) w~'~~r It IS ,':crrar.:d and /0 get cash aCvattC2S from us cr any ether ~~i:r. ~c:al !nstilutio~ and frem i\Utamated ! eller.~"lacnlnes. Cccwef'1lel1~C; ch~ ~ ~~,:'I:- provlCaG t~ ~ou as an aCQ!lC'!at...~ay to:.:sa the Ac:curtl In this Agreement, "vou" ar:d 'ye~r' me::!n e:;-C>1 peJSctJ fer wnom '''Ie h:=ve c,cen,ed a Cl'eot ~ Acccunt. "We, our, curs. 3ru::,..us me-.=t7 PrCVICan Natianal ~<=r.k ar lts.as~lgr.~S, a~ listet on 'fCJurl:lilr~g statement The Acc::unt ,l'i~:: used only fer perscnal, familY. hOUSeMaid, 3n~ ~1aritable purposas, and net fer, any t:u.su,ess. c: cor.:":erc:2l ~~cse; i"\rr/ use ef ll'lIS Ao-..:::ur.t sh211 constitute acceptar.e~ of the te!ms of ~r.is A9"~enl If the Acccur:t 'Has: Cpet'led 3::i a jCll1t acccunt. we may ad on the :nstruc~cns Of elther JOInt accocnthoJcer, Yer.:. ace we c.9';e. as ,~JJcws: ~'3ym~nt:k 'You wlll ~eive a monthly statemeflt shewing your cutstar'ldir.g balanca Fayment:on ~~ ~c::::unt is ~Ji~ in U.S, collars: {cl'le:ks: must ce p2'fab!e at a U.S. ofi1ce of lhe C2n!< tl'la c.7sci- IS drawn on} for at Je3st l'~e pao/~ent due as shewn on your s.ta!ef!'er.t ~ 1."~ paym~t c:.:e ~te III aC~rCurce .....I/i': ;aym~~ instruclia'!S 01 yc~ mqn~y stacemertt i'ne t:<!C!< ef '/e-.:.( statements shews the rules: 'He ~1ICl'o't wnen we E~t :=ayments. Ccnv~~l1en:~ c::~CS' ~rta other c"eC<s we ISSl.:e to yeu ma'f liot ca used to m2ke payments Crt your Ac=cr;t or to r;:a,"{e ~a,!mef1I' en any cthe! account you have 'Hllh us: or cur alT'.:tates. rne .oayment C'-:!!' 'Nul be: ':;'0 or ~"e neoN 1:lalanc~ shcwn en yea.!r sl2r~ar,! plus the amount cj any p2S: Cue caymenl aad may inc:w:e !.--re amourtt by which the r.ew bGfat1ce ~ceeCs: 'four ereCt line. Howe'Jer, !he payme!tteue '.'flU net ~ le...es tha~ stS {W'1Ies:~ '/er.;( :-'~.'f ~2Ianc:; is less that! St5, in which ~e tl,e'cayme:1t Cue 'Idl C:! the amount 01 the ,ne'~ OaIar.c~). If 'four ~o:ctw.t is ~t Cue or aCc;'.e tt:e creat fr:1i!: w,: may reqcire OJ h~her minlml:m .cayme!!t. cut we. will r.otify yeu before coing so. If your ,c2ymenl is mCf~ t.~ ~'1e j:4'lment Cue. It will ce traatea as- a Single paymerlc and (:ene or It 'Ndl be.;p,:!iec to ruture payments cue. We r::ay ac=~t [at~ cr pcrtIal j:laymeni:s, or payments mar'.<ed .p2id: in fuU~ cr mwed 'Hith other restr.cticns, without [c::;ing: our r.ghl to c:;lllec~ all amQunls C'....lng u..,c!!!{ t.'ul;- )..g~e!l:t. ffyou have maCe ~eciaJ payment ar:an;emer.~ with eilher First Unkm Cf Fre-.JiCm, you need to continue making the ~r<*:d !.:;;en P<='1met1t:s. f=in:zr:t:e Charges. E."c~t as CesalCer: in the Groce Feriod f.or Pure."t.a:se 8:Jlan~e sedan of this Agreemen~ F~e C.i2(~ begin tc ;ac:;rue an a O;bit when it is induCed in cne of yetJfCaily ~ces ar.d c:::n:tinue UflQ tt:.at balance is ~ by a ~me1t or c:acil Your A<::::lUtlt h:!s the fClIcwing bal2nc~: rr.e ;=!.!!t:'has~ SaJ"J1~ whidl ccrrsi:s:ts: cfyour existing Pute;h;ase aalar.~ ar.d ileN pct'l:hasas you makewiih YCl.!t Card arid ~ R:lr c2rlain cpticnai sev~: one cr more Custom ash AQl2n~ ~;;:!I<!r:c::~ which eensists of balan~ that 'fClJ ~fur to yeur Ac:c'Jtlt using Cai2nce lransi'er dtec!G and balar.~ that 'He transfer (eryQU; ar:a (he Cash AdJanc:'! a2f2l'l<:-e woo, ccr;s~:s of all ctr:ef ~i aCJal'lces: and c:sh aCvan~ trar'.sactiCl'l fees. An,! ::aymer.t amcur.t 'He receive that ex~ ~'e r.nance ch:ar;es- and ~ then due wia ccOrtan.y ce applied f.rst (0 tt-.e 8alatt~ with t."::e [CVoIe'St As1ncai Fen:entase Rate (AFR), until that 8alarrc~ is ~~, 2r.d then to r.~e Batanl:a 'Ni/h ttTe IieXt !.owest M:R. unaJ r.l:3t Sa/CUTes is ;:~a. and ~':e!t to any remai(ling Salana. We ,-a:serve r.~~ r.r;.1t to apply payments ~tly without further notic-'!. The Pl.lfC.12Se. Cu:;tcm Cash ACvanc-'!, ar.d: Cash AOiance Salattc.es arE! reduc..~ Cy payments ~.of the eate (~-aiveC. and: ~ c:~ts as cf the d2!e ~~ect. Purc."'rases are induc:...ad in yeur Purc.ia:s~ &lance as or (he date ma~. CtJStom ash aCJ3fl<::eS are irlduCei in '1CI.!t Custom C~h ACJanC! 2a!ance :a:s [draws: funC:i efect.:cnic:afry tr2r.smftted to athe( Ier:eers to ~fer baIooces, as of the date trar:smitted: checks to transfer baiances, as of the eate !=res:~te:a 10 us. Other cash roJal"tCeS ~ il1~ in ycur Cash ACvanc.e Salance as ,'cJ1cws: C2Sn aC"ar:c~S !ram atr.er f.t'l31lciaJ itlSlirulrons ar:d l'htc~h Autcmatea T eJfe-s, as oi the Care maCe-: czh. aCv3r:,ca ct:eda m2Ce-~r~le ta '1elJ t.'7a( E!(~ i~(iifed as css;,Ws C;ecxs -IDi mailed 1:0 ycu at 'fCCX' req.:es~ as: of sever! C2fS after the .:ate 'Ne prinr on the c.":e:ck; all eCher chec!<s, as of tl1e eace prese1ted 10 us. Other eecits ar~ induCsd in your PtUci:asa, Cuslc::m Cash A~ti~. or Cash ACvan~ ealart~ as Qf the eate posted. Financ~ c.:...atg:as are aCCed to ycur ~ Cus:cm Cash AC'Jarlce, ar.d Cash ACi3nca Salances e.."'C.1 clay and ~ /hen ,cO$red en the last Cay oj L":.e billing cycle. Thera is no gr.=c::!! pericd fer OJS~m cash aa~ cr ether cash aCvanC2:S. To f.g<.:re tr.e da:iiy {'inanceckJ'i~ ,~t agc., ~eaf Sa!an~. we start wit, your preticus Qols Saknca, ace all ~ts.zr.ci sr.:CtnEct ail c-ecits fcrUTe~t dtq and muItiFIy U'le net amclJlltty t.'fe 2f;;:licab!e Cally :=ericec rai~ (s~ {cllcwlfl9 p2!'2grapns). rne lir:atIce chac;s fer osc., /lp! of 8alar.ce is the1l aeced to ac:c ir:c:!-..:c.....J: in t.~t ~''S Salan~. We tre.:at a c:acit :::alar.:::~ fer ar:-r~! as Ze!O. We Celerrnine t.":e total ~ c.wges 0t1 ~C~ fer ttle billing cycle 'rJf a:cing tcgethE!f ttle fin3~c~ c:wses ,'or ~c.i lj',ce of eztara ref e2C.1: at wit"!in the blUing: co/Ce. In c:;!c:.:lail~g f.nanc.;:t charges. an aqustmet1t 'Hill ce ma~ fer any trarrsacticn a.payment that '.-,ct<!d have aff.acted the linar.ce ~r~ C:i!Je..:iaticrt in a 9ricr t:iiling C"/ce had it c<e-en :=cstee in tl"tat C"/Ca Ti,a a;:i=li~ie daily pericec rate fer sue.": a tr2ttsadicl'l will ce tl':e rate In effa.::t for tr.a C'..ui'a!lt QUIrtg C'/Ce rather th<m t.'"la rai~ in ~"fact en t.l:e Cate or the transac:cn. . Y lJUf st<!tement induCes an av~ C!iiy 'calan~ rer ead: ~/j:e of 8a1:ana. 'feu c:ll1 multij:i'l ead': average CaiIy t:2iar.~ t~3i: is r:ot ~a bt the nlllT''':er of Cays in the billing cyce and the per:c6::: rate- to catam S'uctolal3, and t.1en aCd the sl.Zbtat21s ta~/i;er ~a eetemme- yClJf tala! flnzra er.uges on CaJar:C2S for the cHlia~ coJCa n:e temt "'Prime Rakt as used in the Agreement means tl'le higi'lest ~rirr:e rate pt.:bIi:~.'1ed in the Wail S~t Jct.:ma/ aa t.'a ii'nt b~ines:s ~ of the preo.nous calet1Car rMnth. Ar:y increase cr ~aIS'a in tole ,4.Mt.:af ~tage Rare will take er,C!Ct C(1 tt!e ifrst Cay of '1CtSbilli;.q c"fce and may :'eS'oJit In = $~~t rr.e<e:ase ~r~zsa iet ~ zmoc.rntor 'feur mil'Timtrm ~'1ment. ThE: ANNUAL. PE.QC91TAGc i='..ATE [APR} fer p!..!rc.":ases 'AlIi! vaC"I,ar.ci rTTa"1 'ceaci~tcd ~ci1 bti6ng C'fC!e 1.:;:1 to 14..8% ~CV~ ?rfme Rate, Using this formula, the- APR fcr~tUc."ases in Ihe F'~ru2f"1 zcca oiffing "Ide is 23.3%, ccrres~Crtdrtg to a eally p&1ccic tate of Q,CO:;S"'%. The ANNUAL PERCeri'AGE RArE {er cash a6.lancas is 21.9%, c:::r.es;::oncng to a eally p-erlccic raie of O.CC:CCO%. Ifyct:.r ;:3'lrnent is ~.ei'Je:d late ~",ice In CIrf t'Z.,l1cntn ~ericd. cr if'jcu sisr:iii'carltt'j ir:e.?'...sa yeur tct21I.ltlS2C'.ued cebt {as =x-::;;:!ined in t!':e CR.:::QIT REVIEW paragraph b~e'H}, t,":e APR.:;:r purc.iaseS ii1av inc.--esse, cut wiiJ r:ot =x~ '2.1.S~~. ccrrescondr:g to a Caily peiecc rat~ of a.C<:CCG%; at'ld the A?R fer o,s."'i aCiar:as at:a c:.lS:cm ~, <!:qJa':C~ may 1rt~e. cut 'Nulnat ex~ 23.9%~ COl"t'l!spcner.g to a eaily p-eicec ;ale ofa.C55~%. . Your Ac.:;ount ma'j be- e!ig:ble fer lawer AP~ aiter you Ma1Je met ~'e terms at this ,A.9'~ent fcr ttlr~ mcr:lhs. If yeu c:r:!2,C:!.:S, we: wii! mview your Account to det'!rmine 'jC!Jf. eligiciiily Fer [CW~ AFP.s. CrEDIT AEVIE'N: SPECIAL REQUJRS\lIENT. Ycu a~ not .'0 sigmncantiy ir.C">-asa yew tolzl unsectlred o:Z:ot. Your AF,'i csn inc.-a3Si? (as e:rp!3ined Jccve) bas~ on a si9'r.ifj~l1t i;.e"'~:!Se in U('.sec~ Csb!, if'fCUt total uns~~ Ce!:t ana 'jClJt total. uns.;c$OO ceQC with ott".er l~ ez.c.i il'"tCo"uses by mere 4~C1 SS,CCC and 'Ice.: annual heusal1cfd income IS Ies:> than ..cur tur.es- yeur tctal utlsectlr~Cebl GC'::I:ca ?-=rlod for ?ure.~ aal;;atlctl. New ~~l::S peste<: to your Ac::ount:11 cilrrr.g C!cc:s With l1CI :=r~icu:: balar:c~. cr '",1':$1 th!! 9r<:'J!eus =alanca:Na:! ,,\illy ~:aic eurfm; the C'Jd:. ~ roct:e;in tomctU' a futa:r:c~e.~~(U:ril ihe s:art cf the r.e'(! biling e,Jc!e, Ycu'..,iUp.~ r.o Mar:~e::arge en Sl.:O n~..,,-:-.w:has:es ifycr..:.~j the tota1r.ew-C:i!Iat'le~in ruU '::-! the?ymo:n( cueQ,e s~""r:cn 'Jeer s:atement. Ne'JIt.f:Uo"C.1ases casted in a1T'j ether billir.g CfCa ir.c..:r a f.r.atlO:c.~!!!. ar.c: th~ is no pern:lt in:Hf-:ic., -it,:c,": ~~e:s I~!:::e ~~witnetlC ,r:co..:mr:g a ~~ c.~ ~ W'!t 'Hin ~~~"'jcur ;~t SO for. -:?acit Card 'feu ask us 10 ~!::Ie3; ~, rettm':ed ;:ayment; ~~ ';ea: 'lcu 'Nrit,~ cn 'lex! Ac:::::unt tnat we return ur.paict ~ s~~ :::aym.~t cn:;r o:::r. rane-Ha1 al sucil sn.cr.;:er: eac.,-Cillitlg: f:jc!e wit.,irt 'IlIn:c.1: 'jcC! AC"""'::lU'It t! celir.c;:.:enr (ra'a-c.~); and aa:.1 Cilring C'jCe 'o'Ilitin...,hic.i yct:fCal2l'lca ~~ '1c.ur~t !tr:e (ov~r.llnlt '1' ~'Je!i If yct!r Ace--tr.t ~ c:csea. if'lcu i"ec;uest c:c~ or ciUiM s3tem'et1ls ~2t were- ,'im :i~t la 'JCU meta ~. three ~"1Tanl.'s ~iet', W~ ma!{ c:rat;e a I':ar.Qng f~ oi:s:2 let eac., S'...:c., <=.r::I. os., aOIar.c~ cae of::i% {miniml!r:t 55). '",hicn is a FiNANCE CHARGe. m~ !:e c.":::an;!d reI' ~e.' cash aGvat:ce ~~::n m~ eel yeur Ac::-..:nt. . .cef::l.u!t. Y~r: 'Hillce-in Cef,ruit ir-atr'j inr.:~cen YC'f proviCedus prcv~ to.Cei~eteo~untme; if'l.~~ ~tc::r::,ciy 'Hi~ ~/::2rtcfli':'::SA9'~e(lC; ~c.n YClJfCe:=t': ~~~~~ lnsclvel':C'f; Ir yeu Co net ~ otha' datltS' wnen are; If a ~r:k.-..;QtC'j petition IS ,=.fl!d; cy cr =9'l,lrtSt ycu; cr If'He celreoJ~ ~n Ii:'::: .Gltn t.l:at'/cu m:3If r.Q(:=ay er .c~'r:1 t:ur ~...llg:atlc reme-:-/,Ne ':13' ~~t lfyClJ atafn Ce!awtwe a-,a./, witt:out ft:.'ihet ~dar liCGee, ~ yat:rc.-aatpriviiege-s. ~ yeur AC=I.:.:t Calan~itr.meci3tely e:.:e ,~cl~f2C 7' an f :eA~~t a> e:.:if? ~11!. !n t.,e e"letlt of YC!J/ eefauit, the cutstac:cinq ~ on ycllJt Ac:::t.:o1t s.":::aI1 c::ntinue to a::::ue interest at tte A?R(s) c::s::csed In the nn:1tlc:! C:ta~ei saacn 0 IS '. I , "rIe have filed S'..::it to cclfee ll'e Jmcunt yet: ewe.. . . C~t Line. '(C'.!;te.~ tir.e is S;ec:~ Frt:m time to lims in'a ~ta r.clica Yev: monthly s:a~ectts ~;,cw,ycurc:eCtr:r:e:!f.d:he 2metmtcttpJ! avaiiai:1e ~t. We ~~~ ~-as~ 'iCl.:f~ litre ~ en infcr.r.aticn .....e.cci2U:ec l'n:m yct.! at ycurcredt~. 'fCtlr .MJaClec.-aat is r.c.r.::'a1iy j;~d~i:et"H~ ygtt!:::eat rltla,3nd'JC;;: A c:'...~. rll1C'~g trar.saccicr.:s mac:ecr au~:t:t ner y!!t~:aaj. Ify<::u S~I..:S a l~::aym~t c::ed<. 'Iffl may iir:':it'fCl.!r a'Jaiia!:llec:eetwrllle 'He c::t'lmi'l1 t.."lat tt:e.:."':~'~ ~ . cr :w ~ns awilade c:adt m3'f be less. Yeu 'Niil."tl:t u:sa yeur Ac:::::rmt fer, ar.::we may i'aft.:se t<:ll':et:c:r, arr'! tr:ins2c::-:n ',IoIr.ic., 'HCUld e!t:.'ia-)'Ctl to ~ yet:.( av2l ac:e ~ ' ?romisa to '~/' Yeu crcmise to ~jlJS when CUe all amcun.t:3 b::rr::::wed: when 'ictl cr :iC:rr.ecr:e atsa llSe yCtJ! Ac:::t.mt (~..~ if t..~~ amcunt d".ar;ea ~ ~ur per.-::~.ct'l). ~~~~asc>l2!:1 ~sc;ctans ar.d d7arqas to you Ac=u...:t, and de;:-.:uC~ c::sts we incur ir:dcCr.lJ, cut r.ct limit&:! tQ, re3Setr'.J::Je'3rtcma-ls f~ atid ccurt c::$CS'. (If you 'f~llT the SU1~ we .,.,ul p<rf Y ... . .~ attcme<ls fe2S and: CCt:J't c::sts.) . . . .. . f . I . I ,..I .. " /-~' do.s.-6.0 th<:> ::;m::rtC~ C:':trg~ S;;C::'::1.:;i ~r::s:e:=. Alta''IIe~::!'fCt:3S!!r.a~~tylaw,.'Jierr:tr/~gear.y~a, t.1iS~gr;emerl.~~~ar(~cve:~.::~ems. {a.':"'::r.~-I "'~ ' ...' 'it'! ,--r:doite-msccs~~'::J'leJ:r t,'"tIS ;'!;o~ent, the r.ew rm2fl~ c.~e, dC'..:!alien 'Nul :u;.-;'l,/ to your entire ,1.~t1nt =man~ trcm the err~le C!ta cr t..":e -:::ar:;e. C~anses 'Nl11 ~~ 10 ::a~ that ,C!: --- ft~tm~c?!r.r=!'tl:~QI'P.~frl':p.'~r:r:~ 3nd'Hiila."'C!ywhel.r.arr::tr:otycuc:;:nID':tleto~t';-eAc::::t:nt . . ." . ~.. C~-,,,-.,,. Ih Ih UC:O..:-:I__'.... .: '.Il...e_....'~...-~t'cUSccllar:;ceneral~/us:ruJ~me!a(iJ Foreign E::ch;;loge/Cul1'!!ncj ClIl'J~n:orr.. !1'ICUUS2.'1CUf <;U....,...r~:!c~ltI a.C".:rr~(c er art :-a. ~;,~ u,~';J~d:..cr:s Nil.... ......"~O;<~~7' " " .' 'N-eo fcrJ.~.s;;:c::c.." it gC'lemmer:t.;il:ar:C3ta-j r:ate-cr(ii} whc!e:de mar.<et ra!a!rl ~ff2ct 1l:e~ cerc~ Ir,e ~::c:n: 1:S prccessed.,!:-~.as~~'l ttT~~~t ~q}. l.f ~ ~ '~~~:O~?cu ac."e! to ~tt:.~e wiil ce";__....~~"C:/ tt:eS3m~::erce!ttaGe. Thec:.:rrer:C'J C::r.'J~;cn r:Jte-~eclcn t..iec::::n-iers:cn c:!atiJmaycff~ ITCm t.":e r:t~ill~r.ec::Cn- tl--.a: CJ~ ycu us 'jeer::!.I . . c:r.-Ier:ed :ameunt in U.S. c:i~. h . " '.. ' ., ,,' ... ,. I ... ,....~-' ... tl.e~c"'fth"mcr.t s..:cwn:r.h..'N~ Th1t ~-d; C.Jnc::!I.::r.dQo. '{':I:. ~ ~r.c-;l 'JccrC'eet,pl"t'Jlle;es atat':'! tirr:~:y r.t::~rflr.g'JS' iITWr:ting ::ndC'e::t."Cylt:g ~~~C~~J. Upcn .::;e-...:l.....~~.I~!lCn ~ "', -/ ... 1':- t:: Card is cz;c=ileecr r.;sa!'se tl':8-::;ht r.ct ~<J (~~,., ~heCaIc. We me,! c:u:c:;\ the C.ud:ar:d,!c'.:1'~t;;r.'Iif~~ 3t al1'j ~:r.:"i art';!':O Q/s ;:C:;C! :c"fC'.:., e:"wltr:C'.:tr.e(JC'E!lr~ermltredi'::f 3:H. {'Ie (l~:: 2::';1 . , not ren. e'.'I'ed, ,1natrc~c"'a(~es ancdi,er fee:!'.'J'I)j ccntmue to::e- as~as-1.eC. ,caym&lIS -.-IIi! c::llrmue. '~o'~e ;;;J:f jna 31/ ::ii:::r ,::_"I"..;~,<: .'..,"""'-"....,' ""'" n':l'_':"~''-'" "'" .dl'dlll 11 "rr~' . .. C ." t.... . L - ........11/..... lermrnale 'leur c:ecrl ;:li\Iller..;<: .or.' ';.... CJJ1Cef Cf co not reoe''' the arc, ycu may no ~cnge~ 'Nole c."':ec.-<s en ~/r;~r ,",c;:un ~~c ',leu 3:,-:CUl... ces:rcy any unused c~ec.'<S' 'lfe ,'lave I~Sr.:ec: 10 'leu Persan<!llflform~tian; Oacument:. Yau '.VlII :JrQllICe ~ at leasllO days I'lcll:e'lf 'fJu c~ar.ge ycur name. heme Qt iMlii~q ac:.~~ss. ;ele=i'tcne (lumbers. emp/cyment or Inc~me, U 0 r request. you wlil prawce uS acailona! flmmc::aJ miotmallcn. ,We reserve lJ'le. nghllo cOlam mformaoon !1'cm Qlherz, IJ1C:';C~; Cj~1 r~crrmg ~&1c:.es, and la prolJ;ce '{ctJr acdress 9~n f, ~mall' about your ACCount to others, We mav also snare InformalJon WIth cur affiliates HCWe'!I:f \feu ma'l 'Nnte to us at at'" ~1r:"!~ i,1S;.tc::~na IJS 1101 to share credit Informa/lOn 'Hlti, r111r a~~'at~ 0 If'}c Co nol fulfill your ccligatlon:s uocer thIS Agreement, a negalIVe credit re?Ort that may rellec: on 'jour creCH may =e sucml[tec:o il1e cre6.1 r~ornng agencIes, .. L I Customer Se~ic,a.; Un:lut,horized Usa, Loss, or Theft of Checks at the Cud. fad: Card ~ust 'c~ signed?n rec~t '! eu at~ r~~a"sible fa~ safeguarOng Ihe Card, 'Jour Personal lcanliffc Number r-PIN , wmch provlC~ aCt:e~s to Automated: r eUer 1'-ilacl'1lnes) and atly C.1eC!<S I~Sl.:ed: \0 you ~m theft, and ,,(~lI~g your .PIN s~...a-aJe !rom your Card. If yau dsc...-ver Of ~IJSCec' ttral your C~d, PIN. or any UflUSe-d c.1~'(S,~re Iljst of.stolel'l, or that there may bean unautha~~ tra~sac,i:I?n an you~ A~::::u.nt. you wtll~rcm,oUy notify us by :ailing 1.g0Q..3::O~72Z1, S~ we~...(t Immediately act 10 fimlt losses. and 11acdl~/, you 'N1U phone us even though you may.als~ nottr, us In 'Hoang. Yourliablllo/ Icr ~aut;'o~a;i~,eacc::mrl"!g oercreyou notify us;s limited to S5Q, If] report or we SllSf:ect urtauthort:-ed t.lS.,e or your Ac::ounr, 'He may suspend YOl.lf c.edit }::nvdeges unbl we resolve the ~l'Cclem \0 cur sahsrac:lcn or ISSue YQU a neW' Card. If ycur Card is lasl cr ~tolen, you willprompUy cestroy all e.'1~~s in your ~<Jssession. fa imprOlle cu:stom~ satVlca and seC'Jrity, you agr~ ~":a( YCl.lf~ m~ be monito~ or re-;oreed. Merchant Reh1tio~$. We '~il1 not b~ liable if any p~on or Automated T e,!ler Machine refuses to .honor tl'le Card Of ac:~,( 'fotJ.f. c.'~!es. Of fai~ t,O rat~m u"l~ Card to you. We ~e (lQ /'aS9t:r:S~ for goeds and SaNlC:a5 putc."1aSed 'NIlh lhe Card or Cl'ler...ks except as reqwred '0{ law. (Sa~ SFecia! Rule below.) Cartatn Ce!le!l~S u"lat are available WIth the Account are PL"CV~ 'cy lhjrd~ \lencors:. We are net ~ponsi'cle for the quality, availability, or results of arrt of the servic!S you c.1casa to usa. ' Stop P-ayment Otdt!r.s. If you wish 10 step paymeflt on a ched<, you may send us a step ,Oa'jment oreer ~ 'lfriring to us at Ct:l' aCC'!SS fef customer set'/ic! listed OIl 'leur statement 'fau C3lI make a stop payment oreer orally 'rJj calling Il'le numcer listed on your statemetlt When yay make a stop :=ayment erar, ycu ~i1ljst ;:rC'liCe your Account number and s.ceciffc inictmaricn atcut check: the exact amount, !he date on the check, the name of the patti/ to whom it ',.,as payable, the name or the :=erscn '",,1':0 ~:gned it, ar.d the chec.~ number. '(ou will be asKed to o:nn/'i11 an c step payment creer in writing. We mav dlsreaard 1XjlJr crn! o~ if we Co r'lOf reca~-Ie a sianed written COl'1nrmancn wlrhin ~/oIa '/oleeks after the eral oreer or if we have not teCeNed an aCeqJate description of ttle item .so that payml!rtt can be s~cpped. rne oreer 'N~ll not be e~tNe if ttle ~,~. was paId ~ us: before 'He had a ri!3Scnacle cppcrturlity to act en the orCet'. We~, wilhout liabiraty, disregi!tli a wrrtten step payment arCer StX months arret' recatpt unfeu It!3 renew-ei 1n wnling. Sbndard of Cate. Because this Ac-...ount involves bath credit card and: check transa~ 'Nhieh are prcc~ad: lhrcush sa;:atate naticnal. systems belore Ihe \[GnSactions ace! o:::nSQliCated ~ l and: because not ~/erl c.'~edt and Card slip will be S<!flt 10 us, transactions in your Account w,i{{ be process~ mec.":aniQlly wittcut our necassarify l'e'/iewing &Jety item. OW' precessing system call our attel'loon to-certain items which we win examine. We wi" examine all tr<!nsaclans when yeu ~rt that your Cacd cr c.iec:tS:l1aoie been lost or s(olen. We Co nQt intend cl'6m:lrily to examine all il_, alId we 'NiII oo! ~ n""lisenl if 'He do no/ do so. rnis ruI. eslal1lishes Ill. slaOOatd of -I car. './licIt'He in ga<d lailll wiIIexetcis. in admil1isll!ting 'fOut Ac-..c"'l eecaus' of QlIt limited (~, and cecause neithei your C3l"aHed checks (IQ( Card lr3r.sacl1on srlp; wIn 0. reCurr:eQ to you WIth the mCnlhly statemet1t, you soould Qe careM /0 e1tEf aU checks ilt your check regisfer or olherNise keep a recoId of them. 'fall should also save your creal ad cash advancs and pl.l.t'Ct!Se sEJ::,s. 'feu ~ ro cheCt vour monthly statemen/s' aminst 'lour reccrd an to I1Ori~1 us imm~te!ol ol aMV' unaulhoriz~ transactions or errcrs W:liver of Carbin Rights:. We may delay or waive enfcrcement of any pfOYision of, this A~ent without !asmg oW" right to enfcrca it Of any olher pravisicn later. You waive: the right to presefllmeftt, demand, protest, or netic! of di:shCfl(lr, aIo/ applicable statute of funitanons; and any right you may ha\le to reqJire us to ptcc..~ against 3nyOllf befote we ~ suit against yo.u. A"pplkable UW; SoItVet'<2,bilit'l; Assignm-tnt. Na matter where YOIJ iNI!, .~ A~ent and yotll"~unt iUe ~~ed 'cy leC~ law amj ~ New l-fatnpshire law. This Agreement is a flrral expression of Itle-agreement OerNee1 you and us and tn4y not be contradded by aviee"ce o/:any alleged oral agreemet1t If any p~ 0.; !hi, Agreement is held to ce imalid ar l.lIteofcr~!i:!~ }IOIJ and we will c:nsar that provisicn mcdined to ccnform !o a~plic3Cle law, and the rest 0; the provisIOns in the Agreement will sWl c& enforc.aabJa At atry lime aster 'Me determine in seed '3th that arrj ~repos<ad or enacted 1e9slatian, tegt,datory acticn, or jucicial Cacision has renCerecI or may ref1eer 3Co/ material ,orcvmcns of lhis A~el'lt invalid or lJt[el'lforce:ble, or impose aIrJ increased !aX, ~orting l'aQ.lirement, or ather burden in ccnnecticn with atrf such p~n or its enforcement, 'He may, after at !east 30 ~s nooca 10 YOI.l, or without rrotica if l=ermitted 'r::y law, c:anca the Card and your Crec5:t ~rivileg~. We m~ transret or assign our right to all Q:( seme or YClW" payments. If state taw ..~ that ycu l"e'"'.....~l! nonce of suci1 an e'Jent to protect the pllrd':aser Ct assigne!, we may give you such l'IOlice b'j liIing a rinancir.g s~temen( wiih the slate's Sac.~!arf of State. NQtic~. Othernotic:!$ to 'jQu shan be effective'Nhen deposited in the mail aCCres:sedto.jfJuatthea~ssnowncnct.:(r.!CcrCs.l.!tIf~ a longer noticaj:ericdis specified in thisA~ent ar by law, which pericd shall start upon mailing. Notio! to IJ'J sMail cemaiie<jtoouradCress:{orcustomerseNicaonyoutstatement{crother~es.Ni! may speci~) and snaU be ertectiva 'Nrtefl WI! rec!i\le it. 'fOUR 8lWNG RIGHTS - KG THIS NOllC:: FOR FtmJRE USa. This nCltiQ ccnlains im!=ortant infcrmaccn ~aut 'jot:.( risht:! ar.d our res;cmibilities unC!t' Ii'll;! Fair CreOt ailling .~ct Notify Us in Ca::e 01 Errot:J or Que:stiQn~ About Your Bill. If you think your bill is: wrong or if you need mere infurmaticn '!!::out any iransacticn on your bill, 'Note us an a s~te sheet. at ~'1~ accress listadin theSilling Rights Summarj on YOl.lfbill. Write 10 us as $oon as pcssiCle. We must hear iram you FlO late! ,han EO Cays ~Wl! sent you the first bill on 'hi'lich lI'le Effi'Qrcrpl'Ccle appeared. You can telephone us, but dcing sa 'Ifill not preserve 'lour rights. In your leiter, gille us the fcllcwir.g infcrr.;~ticl1: _ Yeur.r.ama ancAc:::unt number. - The dollar amount of tl':e suspect~ error. - OeSci1be the error and e:<piain, If 'leu can why you celi!!'Je there is an error. If you need mcre informatu::n, ce-scribe the ilem YClu are not sure aCQul Your Right:: and Our Re3pon~;bilitJe3 After We R~ejve Your Written Node=. We must acknowleege your leiterwlti":ir. 30 o'/s, unless we have corrected the =m::r 'cy the!l.. Within SO Cays we mt.1St gjCi"ler c=-rred the errOfor explain 'lfhy 'Nebelie'Je the bill was corract Afterwerec~j.,.eyollr letter, 'He carlne.! tif ~c -==-ile.r::t -atrf amount you question, or r~ortyotl ~ ':~JI"I~enl Wecar c:::nbnue to ell! jeu for It:e amount yell q.:.esticn, ir.c.uding: finance c.~~es, ar:d 'Ne C3I'I ~piy any unpaid amount a,;a1nst '1c...r ::i~t fine. You Co not halJe to P'$J arl'1 qt.:e$~onea amount ',",hlle 'H~ ate ir.vestigating. cue'fCl.l are still ccligate:! \0 ~ the parts of your Oill tha( are net in :;ties-Jan. . j(we ffnd that '/fe made a misla.io:ecn your bill, '1cu wili not hwe to P'&-I atT'1 ffr:ar.csd:~e related to any ~esticned arnot,;nt Ifwecdzl't mal(ea mistake, yeu m~ halJe to ~ linanc~,cl'ta~es, andyoll wil! have to make up the mi~ad paymeflCS on tt'le qJesiioned amoWlt 1n either case, we will send YOlJ. a staremer:: of ihe amount you ewe ar.d Ine c:ate that it is Cue. ffyau l'all to ~ t. amount we think 'Iou ewe, we m~ re;:ort 'Iou as delinqt:ent. Hawe>ler, if ow ~'{plat1aaon cX:es net satisi}' you .:me yclJ 'Ir'rlre to us wimil1 to cays teilittg us that you sitU refusa to' (:3r, we r1l'tJSt tel! anyool! we r~rt you 10 that you question yeUf bill. And, 'He must tell you the name oi anyOM we f~ort:ad you to. We must ~&l anycne we ~ort you to that the matter has been seWed bei',>J~ u:i wheft it firtally is. If'H,! 0::1'1'1 fellow these rules., we c:an't collect the first SS'O olihequeslicned.amount, ~/en jjycur:ill was c:~t. SpJ!CiaJ RuJ~ far Cf~it C.:ltd P!Jrch~= II YfJU have a prcbiem ~th !he ~i1y 0; tl-.e ~~eto/ at s.;(Vic~ that 'leu :=~";<!S~ wiU"r cur ~ cud and 'fCllnave tried in~..cd iml,h 10 ~1T~t it, prcblem wifh the me1'c,:~a"t, you Jnay not ha'U~ to ~ ite temaining amount Ct:e an tl':e !;jt:eC Of servicas. t"nef! are hoIJIO !imltaticns an ",js ri;ht (a) you must have. ~ tt:,e ,cutCo-,ase !~ ,~ l"u::me stale:, or It not 'olIi~"Iin yeut hQm~ state, 'Hilhin lea miles or 'jfJut C'..Ll1"=nt m;;ilir:g aeaess; and {b} the ,ol.U'C.1asa ,cries: mus: ;'ave ceen mQta than sea. Thesa lir.lItlnons co not ~ If'Ne C'Hr ot eperate the merchar.t, or if we mailed YCll the ~erti::semerlt for thE! prcl=ert'j Of Set"/~. ~. -~ .'" -', ,...., 'T," i J I i I I ,1 .,! '-l -"" ,.". '\ < VERIFICATION I, ~M)",,,r:.& VAI\IKOWSKI ., ,- " , declare that as of March 16, 2000: 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, in the State of California. ~~- .Designated A ent I "~c. ''T'"e'~ - _ _." ~ -r," ," ,0"".'- , ",,"1,' 1-' !Iii . '.h~ ~ "~~,, C ,~~"~"."I,,,~~,,~.T~ " ~,~,_~ "'"7' ,. . ~-, , '.., OOI'r, ' (") 0 0 C a \"1 '\L ~ rk -tQ $: "'" --.1 vCQ c:: ~. ~ m'--T~ (;") ';,:', f(;) Z::XJ , h zc ~ ~i:: "'- t~? 8 , l/\ ~C' ::q "~IU In -0 ~,-'T; ~ ~ ( () d:; () ~ ~~~~ I .L~.o ::l>r-- ~ :i ~ Z ,..-I U ::::> ~> ~ f ::::: <1' ~ J ~ F""'"''''""C''''~''''''F''' ""~~m_ ",,~J, _,~ - 1""=._". ,~".:. SHERIFF'S RETURN - REGULAR CASE NO: 2000-05611 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PROVIDIAN NATIONAL BANK VS KERSTETTER CONSTANCE R WILLIAM DIEHL , Sheriff or Deputy Sheriff of Cumberland County, Pensyl vania , who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon KERSTETTER CONSTANCE R the DEFENDANT , at 0017:50 HOURS, on the 16th day of August , 2000 at 207 VALLEY STREET SUMMERDALE, PA 17093 by handing to CONSTANCE R. KERSTETTER a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 9.92 .00 10.00 .00 37.92 So Answers: r-~"""'<~~ R. Thomas Kline me this 1ft:- day of 08/17/2000 PARK LAW ASSOCIATES ~; Dep ty lff By: Sworn and Subscribed to before ~"" ~ A.D. ~ a. n,,~,~ ~ P othonotary , . i1Y "I -