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HomeMy WebLinkAbout00-07745 THIS IS AN ARBITRATION MATTER. ASSESSMENT OF DAMAGES HEARING REQUIRED. GORDON & WEINBERG, P.C. BY: FREDERIC I. WEINBERG, ESQUIRE Identification No.: 41360 260 SO. BROAD ST., STE 1410 PHILADELPHIA, PA 19102 215/546-3131 AMERICAN EXPRESS CENTURION BANK Suite 0002 Chicago, IL 60679 COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO.: 00- 771S C/o.t...'-R;. BARBARA RAYHART 437 E. King Street Shippensburg, PA 17257 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 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 JUDGEMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM 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. COURT ADMINISTRATOR CUMBERLAND COUNTY COURT HOUSE,4TH FLOOR 1 COURTHOUSE SQUARE CARLISLE ,PA 17013-3387 717-240-6200 -.- ~ i THIS IS AN ARBITRATION MATTER. ASSESSMENT OF DAMAGES HEARING REQUIRED. GORDON & WEINBERG, P.C. BY: FREDERIC I. WEINBERG, ESQUIRE Identification No.: 41360 260 so. BROAD ST., STE 1410 PHILADELPHIA, PA 19102 215/546-3131 AMERICAN EXPRESS CENTURION BANK Suite 0002 Chicago, IL 60679 COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO.: 170- 77'fS ~~ BARBARA RAYHART 437 E. King Street Shippensburg, PA 17257 COMPLAINT IN CIVIL-ACTION 1. At all times relevant hereto, the defendant was the holder of a credit card, which at the request of the defendant was issued to the defendant by the plaintiff under the terms of which the plaintiff agreed to extend to defendant the use of plaintiff's credit facilities. 2. Defendant accepted and used the aforesaid credit card so issued and by so doing agreed to perform the terms and conditions prescribed by the plaintiff for the use of said credit card. 3. The defendant received and accepted goods and merchandise and/or accepted services or cash advances through the use of the credit card issued by the Plaintiff. A true and correct copy of the Statement of Account is attached hereto as Exhibit "A". ',~~r~ .) -,"1- ';-1 ,', 1- .- 4. All the credits to which the defendant is entitled have been applied and there remains a balance due in the amount of $1,148.95. 5. Plaintiff has made demand upon the defendant for payment of the balance due of $1,148.95 but the defendant has failed and refused and still refuses to pay the same or any part thereof. WHEREFORE, plaintiff claims of the defendant the sum of $1,148.95 plus interest and attorney's fees all of which is justly due and owing from defendant to plaintiff. ./ GORDON/{' WEINBERG, P.C. BY: FREDERIC Attorney P01A ":~n~ '1 ,--~ or' " ^ ~ VERIFICATION FREDERIC I. WEINBERG, ESQUIRE, hereby states that he is the attorney for the Plaintiff(s) in this action and verifies that the statements made in the foregoing pleading are true and correct to the best of his knowledge, information and belief. The undersigned understands that the statements herein are made subject to the penalties of 18 Pa.C.S.A. Section 4904 relating to unsworn falsification to authorities. FREDER '?I~ _'. _.,~<m'",. , 1-- , . . " ';~'~I EXHIBIT "A" . . . !!'" "Wll1._!J DUPLICATE COPY ..'rAN """.ESS . Cards Customer Service Page 1 of 3 800-964-8542 (24 hours /7 days) The Optima@ Card Prepared For BARBARA A RAYHART Closing Date Account Number January 13, 1999 3712-658892-61004 New Charges $ inc. Finance Charge, if any 26.661=1 Statement includes payments and charges received by January 13, 1999. Minimum AmouQl Due $ New Balance $ 509.50 I Previous Balance $ 507.841_1\ PaymentslCredits $ '/~7:~01+1 15.00 Your account balance is currently over your credit limit. To avoid being charged an overlimit fee again next month, please pay $9.50 plus your minimum due by the payment due date. -Your-annullI memberShip-fee of $55.00 will appea;-onyour-n'exthilling statement. Interest charges will be calculated as follows: Purchase APR = Prime Rate (PR) + 13.99%, Cash Advance APR = PR + 13.99%, APR for accounts not in good standing = PR + 13.99%. Credit Line Summary Total Credit Available Credo on January 13 1999 Line $ Line $ , ~oo ~ Transactions for BARBARA A RAYHART Card 3712-658892-61004 Amount $ . ....,25.00 JanuarY?H!99/ .... ....... ... / l"HONEPAYMENT4~I~lf~~l"RE13SCASH 42143772 .... ... .. ....... /..... .... ........ '.. . ql\UI'fltNOEPgS1r rolJl3TCPMPAt./Y ':R!lf~~:,3,'$9900~7~ . January 8. 1999 SPRINT FONCARD REFREOVERLAND PARK KS TELECOMM SERVICE Reference: 31990012OOlXX.l97078 January 11. 1999 KMART #09769 SHIPPENSBURG PA GENERAL MERCHANDISE ROC No. 0976901101 Refelence 3199901300:0215479 10.00 6.66 + Please foki on the perfora!ion below, ~h ard return w~h your payment + Continued on reverse Payment Coupon Account Number Payment Due Date: February 7, 1999 3712-658892-61004 New Balance $509.50 ~ c g BARBARA A RAYHART 437 EKING ST SHIPPENSBURG PA 17257-1501 Minimum Amount Due $15.00 Payment Due Dale February 7, 1999 Please refer to page 3 for important information regarding your account Please enter account number on all checks and correspondence. To avoid additional Finance Charges, pay New Balance before Payment Due Dale. . ~ ~ c o a ~ Amount enclosed I~ I Check here if address or telephone number has changed. Note changes on reverse side. 1,..111...1..1,1.1.1.1...1.,.11.1.1.11.."..11..11.1.,.1..,111 ;; N C Mail Payment to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 1.11..11.."11..1.,.11.1..11...11..,11..,,.1.11.1..1.1....1,11 0000371265889261004 000050950000001500 09 rl " o - DUPLICATE COPY Prepared For BARBARA A RA YHART Transactions Continued Account Number P 2 f 3 3712-658892-61004 age 0 Amount $ Janualry 13, 1999 Finance Charge Total of Account Activity 10.00 New Charges Payments/Credits 26.66 -25.00 Finance Charges Billing days lhis penod: 33 Average Daily Daily Balance iti Periodic Rate Purchases Cash Advances 504.95 0.00 0.0595% 0.0595% Actual Annual Corresponding FINANCE Percentage Annual CHARGE $ Rate Percentage Rate -,.. ------,_..._--------._~- ------------~ 21 .70% 21 .73% 10 00 a,OO'%~ 21.73% 0.00 -----,"-- 10.00 Continued on next page change 01 Address If correct on front do not use Name r;-C---I- i .[n'r iU i I ..'1- i I I ,or I.] -j-JT-' __._1_ .____ ..1._. .... . ......_.__.. .II._L._ ...___.1.__ .___J C-:-r--f'-'--r- ].'-']--[-.T --'l'--]'--I--r..'" .1 '] -I] .._L_....L__.I_l_..L_.....___ __L__.L___. _.1... __L_ ___,-- [T[r~_II~[J_~-CI=r[]__J....C]___L1-=[J=1 IT:]IITI=.L__J=[I~:[L I~[[T~TTTTl [I_lID [-rI-l----[----C-,-T--j ...J__ J.___ __L__L ....._L. ['-T,-T,--'['-'-.[-l _.L..L--L-LLLL ..__1 -1 Company N~' Street Jlddress Cl\y-$la!e Zip Code AleaC\ld"and Homel'hooe Nl.fTlber AreaCaleand WOlkPhone N._ "~ _~ ~ ~ ...!!~lt'I\if~'~~1l1ll'!'5'J~,'~~-'~:O:_W'iP\!,~~.+n"'i!',1!';;-~"'>:'''''''01';O)1rWm~}~~1';:q;';".,",.;r:_,'.[.':,,' ,.,,-, ""'I'fP-"'<'" '",",.;,-; ""'"~"-;" ,"<-<" o,,'_~OW",1!f''''''g, ";""'"r'-"E'l'''''HO;~'i)'''''~'9'i1l!~ . li1]lf<r ".~_,,' , , ~:' "' ,~~ I DUPLICATE COPY Prepared For BARBARA A RA YHART -,'" Nwnbe< Page 3 of 3 3712-658892-61004 ClosirgDale January 13, 1999 Payments Payments received after 10:00 a.m. or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than American Express Centurion Bank), in the enclosed envelope with the remittance stub attached and account number listed on the cheCk. If payment is maoo In any other farm or at any other location there may be a delay in processing. Lost or Stolen card If the Card is lost or stolen, in the -U.S. immedfStely' telePhone us at the number noted to the right. Outside the U.S. contact the nearest American Express Travel 5ervice'Office or call any local American Express office. Grace Period We will not impose FINANCE CHARGES on Purchases in any billing period in w~ich you had no outstanding balance at the beginning of the period. On Cash Advances and Balance Transfers, FINANCE CHARGES are assessed fr'omthe day oftha Cash Advanceor Balance Transfer until the da~{we receive payment in full. Finance Chargee We use the average daily balance (including new Purchases) method to compute the balance subject to the FINANCE CHARGE as follows: 1 Take the beginning balances for Purchases (including new Purchases, the annual fee If any, and other fees) and Cash Advances, respectively, each day, add any accrued but unpaid FINANCE CHARGES and debits applied against Purchases (excluding insurance premiums and Express Cash fees) or Cash Advances that day; 2 Subtract any peyments received that day and any credits applied to Purchases and Cash Advances, respectively, that day. The result is the daily baiance for Purchases and Cash Advances,respectively, forthat day; 3 Add upthe daily balances of Purchases and Cash Advances, respegively, ror each day in the billing R8riod; 4 Divide each sum by the number of days in the billing period. The quotients are the Average Daily Balance for PurchaseslADBP) and Average Daily Balance for Cash Advances(ADBC), respectively. The ADBP will be considerecf to be zero if you paid the closing balance on Purchases, if any, shown on your previous month's statement by the payment due date on that statement. . To caiculate total FINANCE CHARGES for the billing period, we multiply the Daily Periodic Rate (DPR) for Purchases by the ADBP and mulliply the DPR for Cash Advances by the ADBC and multiply the respective resulting numbers by the number of dar.; in the billing cycle. Each DPR is 1I365lh of the respective APR. The FINANCE CHARGES derived from the ADBP and ADBC are c81culated separately and are added together to produce the totai FINANCE CHARGE. Unless othelWise disclosed, Balance Transfers are treated as Purchases for caiculating FINANCE CHARGES. Billing Rights Summary: In Cae. 01 Errors or Questione About Your Bill: If you think your bill is incorrect, or if ~ou need mora infonnation aDout a transaction on your bill, write us on a separate sheet 0 paper at the address noted to the right. We must hear from you no later than 60 dayt? after we sent you ttile FIRST bill on which the error or problem appeared. You can telephone us atthe number indicated on the front of this statement a but doing so will not preserve your rights. In your letter. give us the following information: 1 Your name an accounrnumber; 2 The dollar amount of the suspected error. 3 Describe why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while w. e are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any acbon to collect the amount you question. If you have authorized us to pay your account bill automatically from your savings or checking account, y<;lu can stop the payment on any amount you think IS wrong. To stop the payment, your letter must reach us three business da~ before the automatic payment is scheduled to occur. Special Rule For Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card and you have tried in good faith to correct the problem With the merchant, you may not have to pay the remaining amouiii due on the goods or services. You have this protection only when the purchase price was more than S50 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you tile advertisement for the property or services, all purchases are covered regardless of amount or location oflhe purchase.) In Cue of Errora or Que.llons About Your Electronic Tronelere: Piease contact us by catling 1-800-CASH-NOW or write to us at the Funds Access Services address noted to the rignt as soon as you can, i YQu ttilnk your statement or receipt is wrong, or if you need more information about a transfer or the statement or receipt. We must -hear from you no laterthan 60 days after we sent you the FIRST statement on which the problem or error appeared. When ceiling or writing plli..e: 1 Tell us your name and Account number/o. 2 Provide the dollar amount of the suspegted error; 3 Descrioe why you believe there is an error orwhy you need the in rmation. We will investigate your compl!lInt and will correct any error promptly. If we lake more than 10 business days to do thiSl we will credit your account for the amount you think is 10 error, so that you will have use of the money during the ime it takes us to complete our investigation. Fees Minimum Finance Charge for Purchases: SO.50, Transaction Fee: For each Cash Advance through Express Cash, 2% of each withdrawal, with a minimum fee of $.2.50 and a maximum fee of $20 for each withdrawal. The following fees as determined by applicable law - Late Fee and Overlimit Fee: $0 - $25 Returned Payment Charge: $0 - $25. Annual Fee and APR Information: It you are charged an annnual fee and you wish to discontinue your membership witho~t paying ltJis f~, please call us I~MEDIATEL Y at the num~r listed to the right when you receive the statement on which tfle fee IS billecf The APRs (which appear elsewhere on thiS statement) may vary based on the applicable Prime Rate (PR). The PR is listed in the Wall Street Journal on the 15th day (or preceding business day) of the prior month. If a promotional rate is in effect, that rate will apply according to the promotional terms disclosed to you when you were offered the account or promotional opportunity. Please see your Cardmembe'r Agreement. Creditor: American ExpresS Centurion Bank. . , ., Telephone Numbers Customer Service and Lost or Stolen Card 1-800-964-8542 (24 hours, toll free) International Collect: 336-383-1111 Addresses Customer Service PO Box 7863 Fl. Lauderdale, FL 33329-7863 Funds Access Services P.O. Box 53809 Phoenix, P;z 85072-3809 Payments SUITE 0002 CHICAGO iL 60679-0002 ltI I--"".~'I ,_ DUPLICATE COPY . "",.ess . Cards Customer Service Page 1 of 3 800-964-8542 (24 hours /7 days) The Optima@ Card Prepared For BARBARA A RAYHART Closing Date Account Number February 11, 1999 3712-658892-61004 New Charges $ Previous Balance $ PaymentslCredlls $ inc. Finance Charge, if any 509.501_1 .. ..i?~:;ool+1 79.831=1 Statement includes payments and charges received by February 11, 1999. New Balance $ 564.331 Minimum Amount Due $ 15.00 Your account balance is currently over your credit limit. To avoid being charged an overlimit fee again next month, please pay $64.33 plus your minimum due by the payment due date. Credit Line Summary on February 11, 1999 Total Credit Une$ 500.00 Transactions for BARBARA A RAYHART Card 3712-658692-61004 - .,..~--~~.--..,-~-~- . fe!:>>rila!'Y~!l~lI~\i i i . i\\. PHONE PAYMENT i;JSINGEXPi1ESSCASH 42143772:i:}':',. .'.\\\:'}:i.,ii.:.... . . QAi;JPH1NllEf>l1lsIT'I'f\lJSTOOMPANY .ReIet~~:;11~~~':: . January 13, 1999 SHEETZ INC 70 SGIPPENSBURGND PA Keystone GAS/MISC 000012010036 Aeference: 31999014OJOCl12S025 Available Credit line $ 0.00 AmountS ,..'..'.:.'...'....il15.:Qo 2.63 February 6, 1999 VALUE CITY 0158 CHAMBERSBURG PA APPAREUHOUSEWARE&ACC Reference: 319990360000073616 February 6, 1999 ECKERD DRUG #6261 CHAMBERSBURG PA HEALTH CARE/PERSONAL Reference: 319990390000298345 0.37 Payment Coupon Account Number Continued on reverse + Please fold on the perforation below, det~h and return with your payment + 3712-658892.61004 ~ o N o o . . . o o , o , ~ C N o BARBARA A RAYHART 437 EKING ST SHIPPENSBURG PA 17257-1501 1",11I",1,.1,1,1,1,1",1,,,11.1,1,11,,,,,,11.,11,1,,,1,,,1II Mail Payment to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 Payment Due Date March 8, 1999 Please refer to page 3 for important information regarding your account 5.26 Payment Due Date: Please enter account March 8, 1999 number on all checks anc correspondence. New Balance $564.33 To avoid addOionaJ Finance Charges, pay Minimum New Balance before Amount Due Payment Due Date. $15.00 Amount enclosed [$ I Check here if address or telephone number has changed. Nole changes on reverse side. 1,11"11.".11"1",11.1"11,"11,"11.",,1,11,1..1.1,,,,I,ll 0000371265889261004 000056433000001500 09 ~ D ~ ,". ,,~'" ~.',- - - -~. ...~--"-~~~ DUPLICATE COpy prepared For BARBARA A RA YHART Transac:tlons Continued Aocounl NulTber p 2 f 3 3712-658892-61004 age 0 Amount 5 -.- .------.----.-..--- -.--- --.----- February 6, 1999 ECKERD DRUG #6261 CHAMBERSBURG PA HEALTH CARE/PERSONAL Reference: 319990390000298348 7.71 February 11, 1999 Finance Charge -------------------------------- February 11, 1999 Membership Renewal Fee Reference: 319990420241014379 Total of Account Activity 8.86 55.00 New Charges PaymentslCredits 79.83 -25.00 Finance Charges Billing days this period: 29 Average Daily Daily Balance:Ji Periodic Rate Purchases Cash Advances 509.21 0.00 Actual Annual Percentage Rate 21_72% 0_00% Corresponding Annual Percentage Rate ---------- 21.73% 21.73% FINANCE CHARGE $ 0,0595% 0.0595% 8.86 0.00 8.86 Continued on next page Change of AI:fdress II oomwtan !wnt dtinotuse N~' ~--]. --j--j--I-j---] 1 1- [ -- r-[T-]-J .-...-J lJ__ __ ~__ __~___I_I._l_ i.. __ ,________~L [~[]_:_J[r~TT~I~Lr=I_~[~r~~T~-[T_f~J=TIJ [--.-I.--].~J~--l--]n-]-T-I-[-J-..-~I-,-----,---,rTI' _ ~ ______L.... _ ___J.~_____ u_ !__L_.J_.L__~_~ ___J D=IIJ_L1J=-~I_JII=.L .[~r:T_I=[::'CD LI:II_D [T]:::.r::'T-J=lICCI .J CCITI[IITCTJ Cdlllpany N~' .,~ Address CttV-Stale Zp>Code ArfSCodeand l--loIllePhone N~mber Ar,.aCodeand W(lrkPhooe NlIrT1ber "",,'.Illl < ~, !!l"lW1ll'I'BI'I~~":$,~l,""l!.~ ~ e~ i~~M;f>::'''T~'I:;'~gf'''.-M'''\.';.'N'';;:i~'"h!',''ir-':;;'til.\i;'f';W>f,'''~ll*.~~~"~.,''-''",.rnl"'ill.'ft!!iI! DUPLICATE COPY Prepared For BARBARA A RA YHART Account Number Page 3 of 3 3712-658892-61004 Cards C""'''' Date February 11, 1999 Payments Payments received after 10:00 a.m. or on weekends or holidays may not be credited until the next busin~ss day. Payments must be in US Dollars and drawn on a bank located in the US (other than American Express Centunon Bank)l in the enclosed envelope with the remittance stub attached and account number listed on the cheCk. If payment is made In any otherfonn or at any other location there may be aOOlay in processing. Lost or Stolen Card If the Card is lost o~ stolen. in the -U.S. imm~diat.~ telePhone us at the n~mber noted to the right. Outside the U.S. contactlhe nearest Amencan Ex~ess Travel ServIce Office or call any local Amencan Express office. Grace Period We will not imp.)se FINANCE CHARGES on Purchases in any billing period in wliich you had no outstanding balance at the beginning of the period. On Cash Advances and Balance Trans!ers, FINANCE CHARGES are assessed fi'om the day ofthe Cash A"dvance or Balance Transfer until the day we receive payment in full. Finance Charges We use the average daily balance (including new Purchases) method to compute the balance subjecttothe FINANCE CHARGE as follows: . 1 Take the beginning balances for Purchases (including new Purchases, the annual te~ If any. and other fees) and Cash Advances, resP'!elively, each day, add anI' accruoo but unpaid FiNANCE CHARGeS and debits applied against Purchases (excluding insurance premiums and Express Cash fees):or Cash Advances that day; 2 Subtrael any payments received that day and any credits 8I'plied to Purchases and Cash Advances, respeeliveiy, that day. The resuft is the daily balance for Purchases and Cash Advances, respeelively', forth'!l.day; . 3 Add upfhe daily balances of Purchases and Cash Advances, respe<:lively, Tor each day In the billing P!lnod; 4 Divide each sum by the number of da~ in the billing period. The quotients are the Average DOlly Balance for Purchases(ADBP) and Average Daily Balance lor Cash Advances(ADBC), respectively. The ADBP will be considerecf to be zero if you paid the closing balance on Purchases, if any, shown on your previous month's statement by the ~yment due date on that statement. To calculate totlil FINANCE CHARGES for the billing iriOd, we multipiy the Daily Periodic Rate (DPRl for Purchases by the ADBP and muftiply the DPA for Cash Advances the ADBC ana multiply the respective resulting numbers bylhe number of da}'S in the billing cycle. Each DPR is 1/365 of the respeelive APR. The FINANCE CHARGES derived from the ADBP ana ADBC are calculated separately and are added together 10 Il'oduce the tolal FINANCE CHARGE. Unless otherwise disclosed, Balance Transfers are treated as Purchases for calculating FINANCE CHARGES. Billing Rights Summary: In ease 01 E"ors or Questions About Your Bill: If you think your bill is incorrect, or if y:ou need more information aIiout a transaction on }'O:ur bill, write us on aseparate sheet 0 paper at -the address noted to the right. We must hear from you no later than 60 da~ after we sent you the FIRST bill on which the error or problem appeared. YOu can telephone us atlfle number indicaledon the front oflhis slatemen~ but doin~ so will notpr_rve your rights. In your leUer, give us the follOWing information: 1 Your name ano accounrnumber; 2 The dollar amount of the suspected error. 3 Describe why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. If you have authorizeCI us to pay your account bill automatically from your savings or checking account, y<?u can stop the payment on any amount you tflink IS wrong. To stop the payment, your letter must reach us three business da~ before the automatic payment is scheduled to occur. Special Rule For Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a cred~ cardl and you have tried in good faith to correct the problem With the merchant, you may not have to pay the remaining smeun due on the goods or services. You have'this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you ttle advertisement for the property or services, all purchases are covered regardless of amount or location oflhe purChase.) In Ca.e of Errore or Que.tions AbOut Your Electronic Tl8ns'l8rs: Please contact us by calling 1.aOO-CASH-NOW or write to us at the Funds Access Services address noted to the right as soon as you can, if you think your statement or receiot is wrm:'\Q, or if you need more information about a transfer or the statement or receipt We musfhear from you no later than 60 days after we sent you the FIRST statement on which Ihe problem or error aRpeared. When calling or writing please: 1 Tell us ~ur name and Account numberj 2 Provide the dollar amount of the suspected error; 3 Descritle why you believe there is an error or why you need the inrormation. We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do thiSl we will credit your accoUflt for the amount you think is 10 error, so that you will have use of the money during the ime it takes us to complete our investigation. F.e. Minimum Finance Charge for Purchases; SO.50, Transaction Fee; For each Cash Advance through Express Cash, ,20/0 of each withdrawal, with a minimum fee of $:i!:.50 and a maximum fee of $20 for each withdrawal. The following fees as determined by applicable law - Late Fee and Overlimit Fee: $0 - $25 Returned Payment Charge: $0 - $25. Annual Fe. and -APR Information: If you are charged an annnual fee and you wish to discontinue your membership without pctying this fee. please call us IMMEDIATELY at the number listecj to the right when you receive the statement on whicfl ilie fee is billed. The APAs (which appear elsewhere on this statement) may vary based on the applicable Prime Rate (PR). The PR is listed in the Wall Street Journal on the 15th day (or preceding business day) of the pnor month. If a promotional rate is in effect, that rate will ~y according to the promotional terms disclosed to you when you were offered the account or promotional opportunity. Please see your Cardmember Agreement. Creditor: American ExpresS Centurion Bank. .',- I" . Telephone Numbers Customer Service and Lost or Stolen Card 1-800-964-8542 (24 hours, loll free) International Collect: 336-393-1111 Addresses Customer Service PO Box 7863 Ft. Lauderdale, FL 33329-7863 Funds Access Services P.O. Box 53809 Phoenix, AI.. 85072-3809 Payments SUiTE 0002 CHICAGO IL 60679-0002 ~~,~- #""" DUPLICATE COPY ..,.... EXF.!F.lESS . Cards Customer Service Page 1 of 3 800-964-8542 (24 hours 17 days) www.americanexpress.com The Optima@ Card Prepared For BARBARA A RAYHART Closing Dale Aocount Number March 11, 1999 3712-658892-61004 Account Summary PrevIous Balance $ Payment Activity $ NewChrog~Adjustrnems$ inc. Finance Charge,~ any Minimum Amount Due $ New Balance $ =583.79\ 564.3311 -15.0011 +34.46\1 15.00 Statement includes payments and charges received by March 11,1999. 'Indicates posting date. Your account balance is currently over your credit limit. To avoid being charged an overlimit fee again next month, please pay $83.79 plus your minimum due by the payment due date. Credit Line Summary on March 11, 1999 Total Credit Line $ 500.00 Available Credit Line $ 0.00 Payments MareI'! j1,1999* .. < ... <<Xi .. PHON!;p~r~W~T8*'~~r~p~r~.~q~~H'..' 4214377a.... ... ....\\ ....... .... ....... . . ...... . . oAupHl~p"posrr1'l'lIJSTGOMP,.;NY . Reier~'..:~~~-,.:"" .'. Total of Payment Activity Amount $ -15.00 -15.00 New Activity Transactions for BARBARA A RAYHART Card 3712-656892-61004- March 11, 1999 ~nance Charge Amount $ 9.46 + Please tok::l on the pertorailOl1 beI()W, detach and rel1Jrn wijh your payment + Continued on reverse Payment Coupon Account Number 3712-658892-61004 Payment Due Date: April 5,1999 , o N o o < ~ ~ o o = o = BARBARA A RAYHART 437 EKING ST SHIPPENSBURG PA 17257-1501 Minimum Amount Due $15.00 1...111...1..1.1.1.1.1...1...11.1.1.11......11..11.1...1...111 Amount enclosed 1$ ~ m S Mail Payment to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 1.11..11....11..1...11.1..11.,,11..,11.....1.11.1..1,1....1,11 0000371265889261004 000058379000001500 09 ~ Payment Due Date AprilS, 1999 Please refer to page 3 for important information regarding your account Please enter account number on all checks anc correspondence. To avoid additional Finance Charges, pay New Balance before Payment Due Date. Check here jf address or telephone number has changed. Note changes on reverse side. D . DUPLICATE COPY Prepared For BARBARA A RAYHART New Activity continued Account Number p 3712-658892-61004 age 2 013 Amount $ March 11, 1999 Overlimit Fee Reference: :119900700740002478 Total of New Activity 25.00 34.46 Finance Charges Billing days this penod: 28 Average Daily Daily Actual Annuat Corresponding FINANCE Balance $ Periodic Rate Percentage Annual CHARGE $ ._________~__~______________.!!~!!_~~entage R.8te _.__ Purchases 568.34 0.0595% 21.52% 21.73% 9.46 Cash Advances 0.00 0.0595% 0.00% 21.73% 0.00 9.46 Continued on next page Change 01 Address II Cllrrecl on front donoluse N=. r;-1-rTu I .-r-r.[ ..-.[.- '...1. -'urn, r-I---T-O-.-j---'-J _ L,.-1__ ____.I _. ._.1.._._ L_ L________ ._L_L. L.C:Cr:::r:TII]=]=:J=.l.._~.L]=-IT=LIID ". -cr.- I-I--;--[-~T.-I----[I--I-'--=D-r--l-' Fr. - -D-c-r-]~-'+=='+~lLu-~I--r~i~l-cI~+~D=+--+=4 LL_ . _ __.1.__ __l_L..L __ _~_.___L_. .-1__ - ---L....L..J [] J IJ:=J CrT.=I=]-:=TnII_.I=O [--,--[.-. r -'--I-I'----'] _L. .__._L_. _.LJ_L_ ..J Company N;lrne Street Address Crtv.Slale ZJpCode AleaCodeand HcmePhone N._ AreaCodl:!and WarkPi\cne N...." L. ~._!~!!ilif!l~!rI'J~'-"~-~M'iiI:IIi~ '""!""'.~~,~~~_][~ ' : ~ffi'4i!!i1flt1'l'.-"'l~""e-\"";"",,,,,;'rC-!'C"" "---'-"'~"':'''''!\'~~'I'-'F;~'';;;~'''-<''R"n,\:j,!'!~'f1'J',>:i'!'!1~'i0!I!li~~!mlI?tt _om N""'" Page 3 of 3 3712-658892-61004 ClosingOa!e March 11, 1999 Payments Payments received after 10:00 a.m. or on weekends or holidays may not be credited until the next business day. PaymentS must be in US Da!lars and drawn an a bank located in the US (ather than American Express Centurion Bank) in the enclosed envelope with the remittance stub attached and account number listed on the cheCk. If payment IS maoo In any other form or at any other location there may be a delay in processing. Lost or Stolen Card If the Card is lost or stolen, in the -U.S. immed'atew telephone us at the number noted to the right. Outside the U.S. contact the nearest American Express Travel Service Office orcatl an. Y local American Ex~ress office. G...ce Pe,iod We will not i!"P!'se FINANqE CHARGES an Pufchases in any billing period in which \'Ou had no outstanding balance at the beginning aflhe penad. On Cash Advances and Balance Translers, FINANCE CHARGES are assessed ffomthe day ofthe Cash Aavanceor Balance Transfer until the da~we reCeive payment in full. Finence Cher!J'ls We use the average daily balance (including new Purchases) method to compute the balance subject lathe FINANCE CHARGE as Iollows: 1 Take the beginning balances lor Purchases Oncluding new Purchases, the annual Ie,!> il any, and ather lees) and Cash Advances, respeclively, each day, add anI' accrued but unpaid FINANCE CHARG~S and debitS applied against Purchases (excluding insurance premiums and Express Cash fees) or Cash Advances that da\,; 2 Subtract any payments received lhat day and any cred~s ""p1illCl to Purchases and Cash Advances, respectively, that day. The rasull is the daily balance far Purchases and CaSIi Advances respectivel\" forthat day; 3 Add upthe daily balances 01 Purchases and Cash Advances, respectively, lOr each day in the billing P!'riad; 4 Divide each sum by the number of da~ in the billin9.- period. The quotients are the Average Daily Balance for PurchasesCADBp) and Average Daily Batance far Cash Advances(ADBC), respectively. The ADBP will be considerecf to be zero if yOu paid the closing balance on Purchases, if an. y, shown on your previous month's slatement b\'lhe payment due date on that statement To calculate totlil FINANCE CHARGES for the billing period, we multiply the Daily Periodic Rate (DPR) for Purchases b\' the ADBP and mulliply the DPR lor Cash Advances by the ADBC and multioly the resoective resulting numbers by the number of da~ in the billing c)'\lle. Each DPR is 11365th of the respective APR. The FINANCE CHARGES derivedIram the ADBP and ADBC are calculated separately and are added together to producethe total FINANCE CHARGE. Unless otherwise disclosed, Balance Translers are treated as Purchases lor calculating FINANCE CHARGES. Billing Rights Summary: In Case 01 Errors or Questions About Vour BUI: If you think your bill is incorrect, or if you need more information aOOut a transaction on your bill, write us on a separate sheet of paper at-the address noted to the right. We must hear from you no later than 60 dayll allerwe sent you the FIRSTbill a~ which the error or problem appeared. YOu can tel!!Phane US at the number indicated an the front ofthis statement but doing sa will na(prg;elVe your rights. In your Jetter, give ue the following information: 1 Your name ana accounfnumberi 2 The dolfar amount of the suspected error. 3 Describe why YOU-believe there is an error. If you need 'more:informallon, describe the item you are unsure about. Vau do not have to pay any amount in question while 1/Ie are investigating, but you are still obligatllCl to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any: action to collect the amount you question. If you have authorized uS to pay your account bill automatically from r.our savings or checking account, you can stop the payment on any amount you think IS wrong. To stop the payment, your etter must reach us three business da~ before the automatic payment is scheduled,tooccur. Special Rule For Credit Card Purchases: If you have a problem with the quality of goads or services that you purchased w~h a credit card, and you have tried in goad la~h to correct the probiem wtth t~e merchant, you may not have to pay the remaining amOUm due on the goods or services. You have this protection only when the purchase price was more than S50 andlhe purchase was made in your home state or within 100 miles of- yqur mailing address. (If we own or ope:rate the merchant, or if we mailed Y.Ou ttie advertisement for the property or services, all purchases are covered regardless 01 amount or location ofthe purchase.) In Case of Errors or Questions AbOut Your Electronic Transfers: Please Contact us bY calling 1-800-CASH~NOW or write to us at the Funds Access Services address noted to the right as,soon as you can, if y'ou tlilnk your statement or receipt is wrong, or if you need more information about a transfer or the statement or receipt. We must -hear from you no later than 60 days after we sent you the FIRST statement an which the problem or error a~peared. When calling or writing pl8ae.: 1 Tell us y'our name and AcCount number; 2 Provide the dollar amount of the suspeQted error; 3 DescrilJe why y<?u believe there is an error or why you need the imormation. We will investigate your complamt and will correct any error promptly. If we take more than 10 business days to do thiSl we will credit your account for the amount you think is In error, so that you will have use of the money during the ime it takes us to comP/ete our investigation. Fees Minjmu~ Finance Gharge .fqr purchases~. 0.50, Transactjon Fee: For each Cash Adyance through Express Cash, 2% of each Withdrawal, With a minimum fee of .50 and a maximum fee of $20 for each withdrawal. The following tees as determined by ORplicable law -late Fee and eriim~ Fee: $0 - $25 Returned Payment Charge: $0 - $25. Annual Fee and APR Information: If you are charged an annnual fee and you wish to discontinue your membership w~hout paying this fee, please call us IMMEDIATELY at the number listed to the right when you receive the statement an which Ifte fee is billed. The APRs (which appear elsewhere an this statementl may vary based on the applicable Prime Rate (PR). The PR is listed in the WliIl Street Journal an the 15th day (or preceding business day) of the prior month. If a promotional rate is in effect, that rate will ~p1y according to the promotional terms, disclosed to you when you were offered the account or promotional opportunity. Please see your Cardmember Agreement. Creditor: American ExpresS Centurion Bank. DUPLICATE COPY .EO_ """ 55 . Cards Prepared For BARBARA A RA YHART ,. "I "f r-- ~~ ,,- Telephone Numbers Customer Service and last or Stolen Card 1-&00-964-8542 (24 hours, toll free) International Collect: 336-393-1111 Addresses Customer Service PO Box 7863 Ft. lauderdale, Fl 33329-7863 Funds Access Services P.O. Box 53809 Phoenix, AZ 85072-3809 Payments SUITE 0002 CHiCAGO IL 60679-0002 """",~~~ "~l. '-F ~f DUPLICATE COPY .'rAN """""55 . Cards Customer Service Page 1 of 3 800-964-8542 (24 hours 17 days) www.americanexpress.com The Optima@ Card Prepared FOf BARBARA A RAYHART Closing Date Account Number April 13, 1999 3712-658892-61004 Account Summary PrevlOus Balance $ New ChargesfAdjuslmenls $ Payment Activity $ inc. Finance Charge,if any New Balance $ =605.311 -15.0011 +36.5211 583.7911 Statement includes payments and charges received by April 13, 1999. * Indicates posting date. Minimum Amount Due $ 15.00 Your account balance is currently over your credit limit. To avoid the possibility of being charged an overlimit fee next month, please pay $105.31 plus your minimum due by the payment due date. Credit Line Summary on April 13, 1999 Total Credit Line $ 500.00 Available Credit Line $ 0.00 Payment Due Date May 8, 1999 Piease refer to page 3 for important information regarding your account Payments April9,.19~9* PHOl'lEPAYM"'I'lT USING EXPRESS CAsH 42143772.....\..<...i..................... ................. ... DAuPHIN DEPO.SITTRUSt COMPANy....... R6f6r~:,-~~999,1~~'..'n'..,-.,,-,.- n n, ".' "" Total of Payment Activity Amount $ ,15.00 -15.00 New Activity Transactions for BARBARA A RAYHART Card 3712-658892-61004 April 13, 1999 Finance Charge Amount $ 11.52 .. Please fold on the per1oration below, detach and return w~h your payment .. Continued on reverse Payment Coupon Account Number 3712-658892-61004 , c II BARBARA A RAYHART 437 EKING ST SHIPPENSBURG PA 17257-1501 .. ~ . Q o = c = 1",11111,1"1,1,1,1,1",1",11,1,1,11"",,11,,11,1,,,1",III ~ o N C Mail Payment to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 Payment Due Date: May 8, 1999 Minimum Amount Due $15.00 Amount enclosed [;- 1,11,.11.",11"1".11,1"11."11",11,,,,.1,11,1.,1,1,,"I,ll 0000371265889261004 000060531000001500 09 rl ~ Please enter account number on all checks ane correspondence. To avoid additional Finance Charges, pay New Balance before Payment Due Date. Check here if address or telephone number has changed. Note changes on reverse side. D - DUPLICATE COPY Prepaled Fa BARBARA A RAYHART New Activity continued Account Number p 3712-658892-61004 age 2 of 3 Amount $ April 13, 1999 Overlimit: Fee Reference: 3"19991030730019238 Totall)f New Activity 25.00 36.52 Finance Charges Billing days this penod: 33 Average Daily Daily Balance ~ Periodic Rate Purchases Cash Advances 587.08 0.00 0.0595% 0.0595% Actual Annual Corresponding FINANCE Percentage Annual CHARGE $ Rate Percentage Rate ------------'- .-..---...----...------ -_.~----~ 21.50% 21.73% 11.52 0.00% 21.73% 0.00 11.52 Continued on next page Change of Address lfcorrectonfl'ont do not use N~. r7r---: -,- J--TT-~- -r-I--rur- I .1. r. -r'-=r:- [-r-r--'l __L_J_ "L_LL_ ,. .,,_ _~,_..l .. _____1_ -- _d. ___ _.._. [~[.-_J-T-J~[I]___r:=r=Lj~:..C_[~]____r=r=I:=L:[-1 [T -r-IILD~LT-r--r-T-r]~,-rT:=t-'[ J [J:t]~r=t:crI~rrjrt:1-:tT_TJ~:O [T-:-I-I:=CI lIO-=':CTT=O=J_-:J I CCD-...r-'CI.J=:T:-~[] --I Comp.3l1y N.~ Street AddrB:is City-Stall! ZipCode Are3.Cool!aOO HcmePhone Nllmber Afl!aCooe:m::l WorkPhOlle Number I IlIl!flll!!lilll~"".~~ ,~t1'~mH!ll'~""'''''>'I,'''' ",~=.fllQ~ ~'~,,",' JI.lu.mJJ!!l1f~~~!l!l1f!'~),.'""'f"~." i"'~..nr-"".-""f~'-"~,A'_'~_'''-,!i;~_'"w<'J_fIi~>F'~~m<iIji!'!;F'"'",;@ltll!!!Ii!(ljj~~Hii DUPLICATE COPY .EaIOlN """'E55 . Cards Prepared For BARBARA A RA YHART ""","rn N",*,,' Page 3 of 3 3712-658892-61004 Closing Dale April 13, 1999 Payments Payments received after 10:00 a.m. or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US. (other than American E>q:>ress Centurion Bank), in the enclosed envelope with the remittance stub attached and account number listed on the cheCk. If payment is made In any other form or at any other location there may ~ adelay in processing. Lost or Stol9n Card If the Card is lost or stolen, in the U.S. Immediate~ teleP'"!one us at the number noted to the right. Outside the U.S. contact the nearest American EXPress Travel Service Office or Call any local American Express office. Grace PeriQd We will not impose FINANCE CHARGES on Purchases in any billing period in which you had no outstanding balance althe beoinning of the period. On Cash Advances and Balance Translers, FINANCE CHARGES are assessed uorn the day otthe Cash fJ\dJance or Balance Transfer until the daywe receive payment in full. Finance Charges We use the average daily balance (including new Purchases) method to compute the balance subject tothe FINANCE CHARGE as follows, 1 Take the beginning balances for Purchases (including new Purc~ases, the annual fee~ if any, and other fees) and Cash Advances, reSpectively, each day, add any accrued but unpaid FINANCE CHARGeS and debits applied against Purchas~ (excluding insurance premiums and Express Cash fees) or Cash Advances that daY.:; 2 Subtract any payments received that day and any credits appliea to Purchases and Cash Advances, respectively, that day. The result is the daily balance for Purchases and Cash Advances,respectively, forthat day; 3 Add up the daily balances of Purchases and Cash Advances, respectively, lOr.each day in the billing ""riod; 4 Divide each sum by the number ot da~ in the billin9- period. The quotients are the Average Daily Balance for Purchases(ADBP) and Average Daily Balance for Gash Advances(ADBC), respectively. The ADBP will be considered to be zero if you paid the Closing balance on Purchases, it any, shown on your previous month's statement by the payment due dale on thal stalement. To calculate total FINANCE CHARGES for the billing iriod, we multiply the Dail.'Y Periodic Rale (DPR) for Purchases by the ADBP and multiply the DPR for Cash Advances the ADBC and mUlliply the respective resulting numbers by the number of days in the billing cycle. Each DPR is 1/365 of the respective APR. The FINANCE CHARGES derived from the ADBP ana ADBC are caiculated separately and are added together to produce the total FINANCE CHARGE. Unless otherwise disclosed, Balance Transfers are treated as Purchases for calculating FINANCE CHARGES. Bilfing Righls Summary: In ease of Errots or Questions About You, Bill: If you think your bill is incorrect or if you need mOre information afJout a transaction on your bill, write us on ase~rate sheet of paper atthe address noted to the right We must hear from you no later than 60 daY" after we sent you the FIRST bill on which the error or problem appeared. YOu canlellIDhone us atll1e number indicaled on the front ofthis statement, but doing so will not-'preselVe your rights. In your .eU.r, give us the following information: 1 Your name ana accountnumber; 2 The dollar amount oftha sus~ error' 3 Describe why you oelieve there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. If you have authorized us to pay your account bill automatically from your savings or checking account, you can stop the payment on any amount you think IS wrong. To stop the payment, your letter must reach us three businessda~ before the automatic payment issch6dulBdto occur. S~clal RUle For Credit Card Purchases: If you have a problem wfth the quality of goods or selVices that you purchased with a credit cardiil and you have tried in good faith to oorrect the problem wllh the merchant, you may not have to pay the remaining amou due on the goods or services. You have this protection only when the ~rchase price was more than $50 and lhe purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed y.ou tile advertisement for the property or services, all purchases are covered regardless of amount or location of the purchase.) In eaee of Errors or Questions AbOut Your Electronic Transfers: Please contact us by calling 1 -800-CASH-NOW or write to us at the Funds Access SelVices address noted to the right as soon as you can, if you ttilnk your statement or receict is wr()ng, or if you need more infonnation about a transfer or the statement or receipt. We must-hear from you no laterlhan 60 daY" after we sent you the FIRST statement on which the problem or error llfJpeared. When call",g or writing plea..: 1 Tell us your name and AcCount numberj 2 Provide the dollar amount of the suspegJ:~d errqr; 3 Descrioo why~u belie~e there is an error or why you need the imormation. We wllllOvestlgate your complaint and will correct any error promptly. If we take more than 10 business days to do thisl we will credit your account for the amount you think is In error, so that you will have use of the money during the lime it tak.es us to comclete our investigation. Fees Minimum Finance Charge for Purchases: $0.50, Transaction Fee: For each Cash Advance through Express Cash, 2% of each withdrawal, with a minimum fee of $2.50 and a maximum fee of $20 for each withdrawal. The following fees as determinlld by aocIicable law - Lale Fee and Overlimit Fee: $0 - $25 Returned Payment Charge: $0 - $25. Annual Fe. and .APR Information: If YQu ar$ charged an annnual fee and you wish to discontinue your membership without ~ying this tee, please call us IMMEDIATEL Vat the number listed to lhe right when you receIVe the statement on whicf1 the fee is billed. The APRs (which appear elsewhere on this stalement) may vary based on the applicable Prime Rate (PR). The PR is listed in the Wall Street Journal on the 15th day (or preceqingbusiness day) at the pnor month. If a promotional rate is in effect, that rate will apply according to the promotional terms disclosed to you when you were offered the account ()r pr:omotional opportunity. Please see your Cardmember Agreement. Creditor: American Express Centurion Bank. ; . I :--"ffi'/!I/l Telephone Numbers Customer Service and Lost or Stolen Card 1-800-964-8542 (24 hours, toll free) International Collect: 336-393-111 1 Addresses Customer Service PO Box 7863 Ft. Lauderdale, FL 33329-7863 Funds Access Services P.O. Box 53809 Phoenix, A:l. 85072-3809 Payments SUITE 0002 CHICAGO IL 60679-0002 DUPLICATE COPY .' E)lP.F.IESS . Cards Customer Service Page 1 of 3 800-964-8542 (24 hours /7 days) www.amencanexpress.com The Optima'" Card Prepared For BARBARA A RAYHART Closing Dale Account Number May 13,1999 3712-658892-61004 Account Summary +35.8311 New Balance $ =626.141 Minimum Amount Due $ Previous Balanc:e $ 605.3111 Payment Activity $ .15.0011 New Charges/Adjustments $ inc. Finance Charge,if any 15.00 Payment Due Dale June 7, 1$99 Statement includes payments and charges received by May 13, 1999. . Indicates posting date. Your account balance is currently over your credit limit To avoid the possibility of being charged an overlimit fee next month, please pay $126.14 plus your minimum due by the payment due date. Credit Line Summary Total Credit Available Credit on May 13, 1999 Line $ Line $ 500.00 0.00 Please refer to page 3 for important information regarding your account Payments .. M1ly?',J!i!i!i*i i............... PHONE P"X~p!'ffY~!.~pl'P(PRE~l:)(JA~H 42\43772/< ................/..i> ... ... ....> ...i.. .. DA!-!PIiINPE;PQ$rtJf\O!?TCOMPp.,NY.. Reter~:,_3:1~27001~' .' . Total of Payment Activity Amount $ ... ;t$:llo -15.00 New Activity Transactions for BARBARA A RAYHART Card 3712-658892-61004 Amount $ May 13, 1999 Rnanee Charge 10.83 + Please fok::t on the pertoralion below, detach and return with your payment + Continued on reverse Payment Coupon Account Number 3712-658892-61004 Payment Due Date: June 7, 1999 Please enter account number on all checks and correspondence. To avoid additional Finance Charges, pay Minimum New Balance before Amount Due Payment Due Date. $15.00 ~ BARBARA A RAYHART 437 EKING ST SHIPPENSBURG PA 17257-1501 Maii Payment to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 Amount enclosed rs I Check here if address or telephone number has changed. Note changes on reverse side. 4 ~ ~ ~ ~ ~ 1",11I",1"1.1,1,1,1.,.1."11.1,1,11",,,,11,,11,1,,.1.,,III D 1,II"II,,,,II,,I,,,II,I,,II,,,II,,,II'Ill,I,II,I,,I,I,,,,1,II 0000371265889261004 000062614000001500 09 rl - - ,. =~. - DUPLICATE COPY Prepared For BARBARA A RA YHART New Activity continued Account Nurrber p 3712-658892-61004 age 2 of 3 Amount $ May 13, 1999 Overlimii Fee Reference: 3'19991330730016995 Total of tlew Activity 25.00 35.83 Finance Charges Billing days this penod: 30 Average Daily Daily Balance $ Periodic Rate Purchases Cash Advances 607.03 0.00 Actual Annual Corresponding Percentage Annual Rate Percentage Rate . . -- ---------..-....---- 21.52% 21.73% 0.00% 21.73% FINANCE CHARGE $ 0.0595% 00595% 10.83 0.00 ---.--- 10.83 Continued on next page Change 01 Addr@ss If cOrfeclcnfronl donctuslI Name 1[_ 1--.1-.'-'----1- .J----[--I --r-l..-.1.. r-T----I_--.-J--r--r--j I r-:- ___..L_.l..__1._ _. ......._.__ _...L_... __.__~_L_ _ __L___ []~=r=[~LL=[]=T:::r]~:::I-I_J=-_I==:J O --r--,---r-,- r--r-I.I--'---I~--'-r--T-rr-'II ___L.L~~L . ___-..1 _L_ _o-J._.l~_~__ _...l__LJ CIT.::l-::J_LII::IJ=r__ L=rIJ=LIIIJ=:J ITIIIJ []__I.I:::'IIJ:::IJ=-IJ I rr::::cn I I LJ__rl --1 Compall~ -. ~,~ Pddress Crty-$lale ZipCade AreaCadeafld HanePhone Nom'"" AreaCadeand Worl<P\Iane Number I , '- ~_ ~~ __1II!MIftI~~IfWll'I'!'l~'lI'l'?l!0"'i!'I_%"'~~.."",", J~].r:nr;m~*"'\i(1:!'-;'"-"'I"''''''''',~<-,,.".-()<'''''''r+1'''f''~' ,-- "0~Wii?'r~':';~"lJl<'J~""'c'0lW"l-~H',:,,!,;,;"'.ij"!,"'!:-W~~!!I~~~If@ I DUPLICATE COPY ~ERICAN EXP.F.lESS PreparedFOf BARBARA A RA YHART 'i'!'7!!l ~" .~[ -I'^ ""","",N""",, Page 3 of3 3712-658892-61004 Telephone Numbers Customer Service and Lost or Stolen Card 1.a00-964-8542 (24 hours, toll free) International Collect: 336-393-1111 Addresses Customer Service PO Box 7863 Fl Lauderdale, FL 33329-7863 Funds Access Services P.O. Box 53809 Phoenix, AZ 85072-3809 Payments SUITE 0002 CHICAGO IL 60679-0002 .,!"~'" ~t< Minimum Payment Due Date Amount Due $ July 6, 1999 Minimum Amount Due includes: Past due amount $15.00 This month's amount due $15.00 Please refer to page 3 for important information regarding your account Please enter account number on all checks anc correspondence. To avoid additional Finance Charges, pay Minimum New Balance before Amount Due Payment Due Date. $30.00 DUPLICATE COPY " AMERICAN EXP-F.lESS Cards Customer Service 800-964-8542 (24 hours /7 days) www.americanexpress.com The Optima'" Card Prepared For BARBARA A RAYHART Closing Dale Account NWT1ber June 11, 1999 3712-658892-61004 Account Summary Previous Balance $ 626.1411 New ChargeslAdJuslm~n15 $ inc. Finance Chargelif any New Balance $ =687.031 30.00 Payment Activity $ 0.001\ +60.8911 Your account is past due and $187.03 overlimil. Credit Line Summary on June 11, 1999 Please pay past due amount immediately. Total Credit Available Credit Line $ Line $ 500.00 0.00 Payments Total of Payment Activity Amount $ 0.00 New Activity Transactions for BARBARA A RAYHART Card 3712.658892-61004 Amoont$ 10.89 June 11, 1999 Finance Charge June 11, 1999 Ove~imtt Fee Reference: 319991620730013719 25.00 June 11,1999 Late Payment Fee Reference: 319991620730013720 Total of New Activity 25.00 60.89 ... Please fold on the perforation below, detach and return wdh your payment ... Continued on reverse t::=:> Payment Due Date: July 6, 1999 Payment Coupon Account Number 3712-658892-61004 ~ Q N Q Q . ~ . Q o Q Q Q BARBARA A RAYHART 437 EKING ST SHIPPENSBURG PA 17257-1501 Amount enclosed 1,"11I",1"1,1,1,1,1",1,"11,1,1,11."",1'"11.',,,1,,,III [$ N o N Q Mail Payment to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 1,11"11,."11,,1.,,11,1,,11,,,11,.,11.,,,,1,11.1,,1,1,",I,ll 0000371265889261004 000068703000003000 09 rl Page 1 of3 =:J Check here jf address or telephone number has changed. Note changes on reverse side. o '-' .,~ . ~. ~. DUPLICATE COPY Prepared For BARBARA A RA YHART Finance Charges Billing days this penod: 29 Purchases Cash Advances 631.38 0.00 Account Number P 2 f 3 3712-658892-61004 age 0 Actual Annual Corresponding FINANCE Percentage Annual CHARGE $ Rate Percentage Rate -----------------~_.- 21.53% 21.73% 10.89 0.00% 21.73% 0.00 Average Daily Daily Balance' Periodic Rate 0.0595% 0.0595% 10.89 Continued e)n next page Change of Addl ess If correct on front do nol use N=. r;-;.-l.-..--.. Ur--] ... T-T -TT-r--,--r Inr--j--r-r--r-.-r--J [nuL _1___ _J_" ..., . 1..______ ,_ .. _ _ _L [-~[LT.T_-~r..J-~..T~I=r_:r~_L_~[L[TrL-_D ] lUJ-I-J-.-IJ--r.-T--T1-r--r-r i-r-,-,--r,--,-, __d___ _ __ __Ll__L__J__L__L_L..l_--.l_L.. [=-l_l..L._[I=-Ll~=::Il~=r=r]=IIJ=D [~LTrIJ 1__Lr=CI~l=CLT~__IJ .J [I:-TII___TI-=-O--T] Company N=. Street Address C,ty-SIale z,pCooe AreaCa:leand HomePhooe N"",,", AreaCooeand Work Phone Number ~JIIlI!~r T ~ ~" ilffi"ll.'m~jf;jj(',"",,>l":~if,T'~ lHl,_ f.1ft!~"'<[!!}W-~'1'F'h"-"" .c.-{,-;,-.,'''''t';'C'''f-'''' ,-,'-' ---"'-ffiy;"""'~"':iW~~R~"''',F,~Jiil"<;:;l'f\'l'''''_N~~'1!~~~Jmi', f;~"" -~ , -'I .- DUPLICATE COPY Prepared For BARBARA A RA YHART Aoooum N..mt>" Page 3 of 3 3712-658892-61004 -"J Closing Date June 11, 1999 Payments Payments received after 10:00 a.m. or on weekends or holidays may not be credited until the next business day. PaymentS must be in US Dollars and drawn on a bank located in the US (other than American Ex~ress Centurion Bank) in the enclosed envelope with the remittance stub attached an" account number listed on the cheCk. If payment is made In any other form or at any-other location there may be adelay in processing. Loet or Stolen Card If the Card is lost or stolen, in the -u.S. immedi.te~ telePhone us at the nu.mber noted to the right. Outsidelhe U.S. contact the nearest American Ex~ress Travel Service Office or catl anylocat Amencan Express office. Grace Period We will not imP9S" FINANCE CHARGES on Purchases in any billing period in wtlich you had no outstanding balance at the beainning of the period. On Cash Advances and Balance Transfers, FINANCE CHARGES are assessed from the day of the Cash J\dvance or Balance Transfer until the daywe receive payment in full. Finance Charges We use the average daily balance (including new Purchases) method to compute the balance subject tothe FINANCE CHARGE as follows: 1 TaI<e the beginning balances for Purchases (including new Purchases, the annuai fe~ if any, an.d other fees) ~nd Cash Advances, respectively, each day, add any accrued but unpaid FINANCE CHARGeS and debits applied against Purchases (eXCluding insurance premiums and Express Cash fees) or Cash Advances that day; . 2 Subtract any paymentS received that day and any credtts appliea to Purchases and Cash Advances, respectively, that day. The resutt is the daiJy balance for Purchases and Cash Advances respectively, forthat day; 3 Add upthedaily balances of Purchases and Cash Advances, respe<;tivElly, liir each day in the billing P:!lriod; 4 Divide each sum by the number of daY'! in Ihe billinli period, The quotients are Ihe Average Dally Baiance for PurchaseslADBP} and Average Dally Balance for Cash Advances(ADBC), respectively. The ADBP will be considerea to be zero if you paid the closing balance on Purchases, if any, shown on your previous month's statement by the payment due date on that statement. To calculate total FINANCE CHARGES for the billing period, we muitiply the Daily Periodic Rate (DPR) for Purchases by the ADBP and multiply the DPR for Cash Advances by the ADBC and multicly the respective resulting numbers bv the number of days in the billing cycle. Each DPR is 1/3651h of the respective AF'R. The FINANCE CHARGES derivedlrom Ihe ADBP ana ADBC are calculated separately and are added together to produce the total FINANCE CHARGE. Unless otherwise disclosed, Balance Transfers are treated as Purchases for calculating FINANCE CHARGES. Billing Rights Summary: In Case of Errors or Quastione About Your Bill: If you think your bili is incorrect, or if ~u need more information a60ut a transaction on your bill, write ~s on a separate sheet 0 paper atthe address noted to the right. We must hear from you no later than 60 days after we sent you the FIRST bill:on which the error or problem appeared. You can telephone us at the number indicated on the front oft,hiS statement,. but dOing so will notpreserve your rights. In your letter, give us the following in'ormatlon: 1 Your name ana accounfnumber~ 2 The dollar amount of the suspected error. 3 Describe why youOelieve there is an error. ;If you n~ more information, describe the item you are unsure about. You do not have to pay any amount in question while we are inv~igating, but you are still obligated to pay the parts of your bill that are not in question. While we inve.stigate your question, we cannot report Y.'ou as delinquent or take any action 10 collect the amount you question. If you have authorizeO us t6 p'ay your account bill automatically from r.our savings or checking account, you can stop the payment on any amount you tfJink IS wrong. To stop the payment, your atter must reach us three business da~ before the automatic payment is scheduled to occur. S~cial Rule For Credit Card Purchases: If you have a problem with the qualtty of goods or services that you purchased with a credtt carel and you have tried in good faith to Correct the problem wtth the merchant, you may not have to pay Ihe remaining amounl due on the goods or services.: You have this protection only when the purchase price was more than SSO and the purchase was made in your home s~ate or within -1 00 miles of YQur mailing address. (If we own or op8:rate the merchant, or if we mailed you tile advertisement for the property or services, all purchases are covered regardless of amount or location of the purchase.) In Casa of Errore or Questlone About Your Electronic Trane'ere: Please contact us by calling 1-800-CASH-NOW or write to us at the Funds Access Services address noted ~o Ihe right as,soon as you can, if yQ!J tlilOk your statement or receipt is wrong, or if you need more information about a tr",nsfer or the statement or receipt. -We must-hear from you no later than 60 days afterwe sent you the FIRST statement on which the problem 01 error a~peared. When calling or writing please: 1 Tell us your name and Account numberlo' 2 Provide the dollar amount of the suspegted error; 3 Descrioe why you believe there is an error or why you need the in rmation. We will investigate your complSlnt and will correct any error promptly. If we take more than 10 business days to do thiSl we will credit your account for the amount you think is In error. so that you will have use of the money during the ime it takes us to complete ourinvesligation. Fees Minimum Finance Charge for purchases~. 0.50, Transaction Fee: For each Cash Advance through Express Cash, ~.k of each withdrawal, with a minimum fee of .50 and a maximum fee of $20ifor each withdrawal. The following fees as determined by accIicable law - Late Fee and eriimo Fee: $0 c $25 ReturnedPayment Charge: $0 - $25. Annual Fee and .APR Information: ~f _yQu are charged an annnual fee, and you wish to discontinue your membership without paying this fee, please call us IMMEDIATELY at the number listed to the right when you receive the statement on which tfle fee is billed. The APRs (which appear elsewhere on this statement>: may v~ based on the applicable Prime Rate (PR). The PR is listed in the Wall Street Journal on Ihe 15th day (or ~reced!ng business day) of the pnor month. If a promotional rate is in effect, that rate will apply according to the promotional terms disclosed to you when you were offered the account or pl'"omotionaJ opportunity. Please see your Cardmember Agreement. Creditor: American Express Centurion Sank. ; , , , -: . Telephone Numbers Customer Service and Lost or Stolen Card 1-800-964-8542 (24 hours, loll free) Intemational Collect: 336-393-1111 Addresses Customer Service PO Box 7863 Ft. Lauderdale, FL 33329-7863 Funds Access Services P.O. Box 53809 Phoenix, AZ 85072-3809 Payments SUITE 0002 CHICAGO iL 60679-0002 'i~fII-r ..RICAN El(F.!F.lESS . Cards The Optima@ Card PreparedFOf BARBARA A RA YHART Account Summary Previous Balance $ 687.0311 Payment Activity $ -15.0011 .. Indicates posting date. DUPLICATE COPY Customer Service Page 1 of 3 800-964-8542 (24 hours /7 days) www.americanexpress.com Minimum Payment Due Date Amount Due $ August 7, 1999 Minimum Amount Due includes: . Past due amount $15.00 This month's amount due $15.00 Please refer to page 3 for important information regarding your account Closirg Date Account Number July 13,1999 3712-658892-61004 New Charges/Adjustments $ inc. Finance Charge,if any New Balance $ =736.60 1 30.00 +64.5711 Your account is past due and $236.60 overllmit. Credit Line Summary on July 13, 1999 Payments Jyly 1,z,l!l!l9*yi .Y>i PHONI;PAWe:Nj'USiNG I:XPRe:SSCASH 42143772... .... ......... ....... ... . ..... .. ..... ..... DA\JPHINOe:POSITTf\\.lSj'cOMPANY fl.efer~,-~,j9$91~!Xl3~1:' .' . . Total of Payment Activity New Activity Transactions for BARBARA A RAYHART Card 3712-656892-61004 July 13, 1999 -.finanCE!. Char~e July 13, 1999 Overlimit Fee Reference: 319991940730005220 Please pay past due amount immediately. Total Credit Available Credit Line $ Line $ 500.00 0.00 AmountS . ...45.00 -15.00 Amount $ 14.57 25.00 Payment Coupon .. Please fold on the pertoralion below, d~h and return with your payment .. Account Number 3712-658892-61004 Continued on reverse t=:> Payment Due Date: August 7, 1999 Please enter account number on all checks ane correspondence. To avoid additional Finance Charges, pay Minimum New Balance before Amount Due Payment Due Date. $30.00 BARBARA A RAYHART 437 EKING ST SHIPPENSBURG PA 17257-1501 ~ o N o o ~ ~ ~ o o o o o N N o N o Amount enclosed 1$ I Check here if address or telephone number has changed. Note changes on reverse side. 1",111".1.,1,1,1,1,1",1,"11,1,1,11.",.,11"'1,1,,,1",III Mail Payment to' AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 1,11..11.",11"1..,11,1"11",11",11,,,,,1,11,1..1,'""I,ll 0000371265889261004 000073660000003000 09 rl Ii o DUPLICATE COpy Prepaled Fe,r BARBARA A RAYHART New Activity continued Account Nurnber P 2 3712-658892-61004 age of 3 Amount S July 13, 1999 Late Payment Fee Reference. 319991940730005221 Total of New Activity 25.00 64.57 Finance Charges Billing days this penod: 32 Purchases Cash Advances Average Daily Daily Actual Annual Corresponding FINANCE Balance $ Periodic Rate Percentage Annua' CHARGE $ ____~_. _.______ __ ___.. .. __ ______~~!!__._~~rc~~!~! Ra~_~_.___n_ 0.0657% 23.74% 23.99% 14.57 0.0657% 0.00% 23.99% 0.00 693.12 0.00 14.57 Continued on next page Change of Address If correeton fronl do not use Name ~[---.._.---r-T- ...1--]--' .1.. I. ,. j--rnr--C-J-L'-J __Ll_L___ 1_ ___L .11_ __L_, __ _ __L [ --j--I----r-,-'-- -r...-=r- -_..,-- .1-- .1-'--r::--[-----,-J --C=::cr' _ u_ 1__ __L_J_n __I . .,__1..__ __J_ __u_ ~L_J [~LI:-L~[_D=[]::_[~[-LI[~[]-~Irl=D [~r~LJ TIrr:::rr_[LI~I]-CD==TIIJ CIIIIJ [T....l-:cJIr~T_-LI] .J [][T--=_LJ t_l_D_I] Compan,' N~' Streel ilddress Crry-$ta1l! ZipCcde AreaCodeaod HomeoPhone Number AreaCode3l1d WorkPllone Numbef I I i'~ !l!'~ ~,lfIII'lMil~~'''f>~__1"~~~ "' ..',-..e," ,~fm~n;'!>!W!'~"'"~1:"!"""e"'>y.",,~"',.-';V,1 ~-"'f,," - JiF"";,,,,,,,_,~),,;;r-,,,,',,r,<~"FW!J<\,Ww,ot;;"'P~0~~1'~ffl!m.1I!~~~ffl , DUPLICATE COpy CI08irgDate July 13, 1999 _,m N,_ Page 3 of 3 3712-658892-61004 Prepared For BARBARA A RAYHART o Payments Payments received after 10:00 a.m. or on weekends or holida~ may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than American Express Centurion Bank)l in the enclosed envelope with the remittance stub attached and account number listed on the check If payment is made In any other form or at any other location there may be adalay in processing. Lost or Stolen Card If the Card is lost or stolen. in the U.S. im'm8diat8~ telephone us at the number noted to the right. Outside the U.S. contact the nearest American Express Travel service Office or call any local American E':tPress office. Grace Period We will not im~e FINANCE CHARGES oh Purchases in any billing period in wtiich you had no outstanding balance at the beginning of the period. On Cash AdVances and Balance Transfers, FINANCE CHARGES are assessed from the day of the Cash Advance or Balance Transfer;until the day we receive payment in full. Finance Charges We use the average daily balance (including new Purchases) method to compute the balance subject to the FINANCE CHARGE as follows: 1 Take the beginning balances for Purchases (including new Purchases, the annual fe~ if any, and other fees) and Cash Advances, respectively, each day, add anI' accrued bijt unpaid FINANCE CHARGeS and debits appiied against Purchases (excluding insurance premiums and Express Cash fees) or Cash Advances that day; Subtract any payments received that day and any credilsiapplied to Purchases and Cash Advances, respectively, that day. The resuft is the daily balance for Purchases and Cash Advances respectively, for that day; Add upthe daily balances of Purchases and Cash AdvanceS, res~ively, lor each day in the billing R!!riod; Divide each sum by the number of da~ in the billin9- periqd. The quotients are the Average Daily Balance for PurchasesCADBP) and Average Daily Balance for Cash Advances(ADBC), respectively. The ADBP will be considerecf to be zero if you paid the closing balance on Purchases, if any, shown on your previous month's statement by the payment due date on that statement. To calculate totlil FINANCE CHARGES for the billing period, w.e, mU.ltiPIY the Daily Periodic Rate (DPR) for Purchases by the ADBP and muftiply the DPR for Cash Advances by the ADBCancf multicly the respective resulting numbers by the number of days in the billing cycle. Each DPR is 11365th of the respective APR. The FINANCE CHARGES derived from the ADBP and ADBC are caJcuiated separately and are added lo~etherto produce the totai FINANCE CHARGE. Unless otherwise disclosed, Balance Transfers are treated as PurchaseS for calculating.FINANCE CHARGES. Billing Rights Summary: In ea.. of Error. 0' Qu..tion. About .Vour Bill: If you think your bill is incorrect, or if ~u need more information af:lout a transaction on your bill, writBj us on a separate sheet or paper at the address noted to the right. We must hear from you no later than 60 days after we sent you the FIRST bill on which the error or problem appeared. YOu cantelephone us at tIie number indicated on the front o!this. SWement but doing so will nolJlreserve your rights. In your .etter, give us- the following information: 1 Your name ana accounrnumber; 2 The dollar amount of the suspected error- 3 Describe why you eelieve there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your qu~ion, we cannot report you as delinquent or take any action to collect the amount you question. If you have authorized us to pay_ your account bill automatically from your savings or checking account, you can stop the payment-on: any amount you think IS wrong. To stop the payment, your letter must reach us three business da~ before the automatic paymeflt is scheduled to occur. Special Rule For Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased w~h a cred~ card and you have tried in good faith to correct the problem With the merchant, you may not have to pay the remaining amouni due on the goods or services., You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or wnhin 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed y.ou tfIe advertisement for the property or services, all purchases are covered regiirclless of amount or location of the purChase.) In Ca.. of Errors or Qu.atlon. AbOut Your 'Electronic Tran.!ar.: Please contact us by calling 1-800.CASH-NOW or write to us at the Funds Access Services address noted to ,tne ,right as soon as you can, if y'ou tlilnk y'our statement or receipt is wrong, or if you need more information about a transfer or the statement or receipt. We must hear from you no laterthan 60 days after we sent you the FIRST statement on which the problem or error aJlpeared. Wh.n calling or wrHlng pl...a: 1 Tell u. your nameaild .Ai:count number,. 2 Provide the dollar amount of the suspected error; 3 Descril58 whyy<?u believe there is an error or why You need the in ormation. W.e will in'{estig~e your complaint and will correct any.errqr promptly. If we take "1ore than 10 business days to do thiS! we will credit your account for the amount you think IS 'In error, so that you will have use of the money during the ime it takes us to complete our investigation. Fees Minimum Finance Charge for Purchases: SO.50, Transaction -Fee: For each Cash Advance through Express Cash, 2% of each withdrawal, wnh a minimum fee of S~.50 and a maX. imum fee _of $20 for each withdrawal. The following fees as determined by alllliicable law. L.ate Fee and Overlimit F~: $9. $25 Returned payrryent Ch~rge: $0 - $25. Annual Fee and APR Information: (fyou are charged an annnual fee and Y9u Wish to discontinue your membership w~hout paying t~is ~, please call us liI!1MEDIATEL yat the riumbf'r listed to the ri~ht when you receive the statement on which me tee IS bjlled. The APRs {which appear elsewhere on thiS statemenll may vary based on the applicable Prime Rate (PR). The PR IS lISted In the WliIl StreetJoumal on the 15th day (or J'feceding business day) of the pnor month. If a promotional rate is in effect, that rate will apply according to the promotional terms disclosed to you when you were offered the account or promotional opQOrtunity. Please see your Card member Agreement. Creditor: American Express Centurion Bank. 2 3 4 ';~'1- 'I Telephone Numbers Customer Service and Lost or Stolen Card 1-800-964-8542 (24 hours, toll free) International Collect: 336-393-1111 Addresses Customer Service PO Box 7863 Ft. Lauderdale, FL 33329-7863 Funds Access Services P.O. Box 53809 Phoenix, AZ 85072-3809 Payments SUITE 0002 CHICAGO IL 60679-0002 "en I , DUPLICATE COpy .1"'" EXP.Ress . Cards Customer Service Page 1 of 3 800-964-8542 (24 hours /7 days) www.americanexpress.com Minimum Payment Due Date Amount Due $ September 6, 1999 Minimum Amount Due includes: Past due amount $30.00 This month's amount dUE $16.00 Please refer to page 3 for important information regarding your account Please enter account number on all checks anr correspondence. To avoid additional Finance Charges, pay Minimum New Balance before Amount Due Payment Due Date. $46.00 Amount enclosed I $ I Check here if address or telephone number has changed. Note changes on reverse side. The Optima@ Card Prepared For BARBARA A RAYHART Closing Dale Account Number August 12,1999 3712-658892-61004 Account Summary PrevioosBalance$ 736.6011 New Charges/Adjustments $ inc. Finance Charge,~ any New Balance $ =801.251 46.00 Payment Activity $ 0.0011 ~4.6511 Your account is past due and $301.25 overlimit. Credit Line Summary on August 12, 1999 Please pay past due amount immediately. Total Credit Available Credit Une $ Line $ 500.00 0.00 Payments Total of Payment Activity Amounl$ 0.00 New Activity Transactions for BARBARA A RAYHART Card 3712-658892-61004 August 12, 1999 J'!nance Charge_. August 12, 1999 Overtimit Fee Reference: 319992240730002241 Amount $ 14.65 25.00 August 12, 1999 Late Payment Fee Refereooe: 319992240730002242 Total of New Activity 25.00 64.65 . Please fokt on the perforation below, del8ch and return with your payment . Continued on reverse t=::) Payment Due Date: September 6, 1999 Payment Coupon Account Number 3712-658892-61004 ~ o N o o < ~ ~ o o il ~ ~ N ~ N o BARBARA A RAYHART 437 EKING ST SHIPPENSBURG PA 17257-1501 1."11111.1.,1,1,1,1,1",1",11.1,1,11"",,11,,11,1,,,1",III Mail Payment 10: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 1,111111.",11"1.,.11,1"11",11."11,,,,,1,11.1,,1,1,,,.1,11 0000371265889261004 000080125000004600 09 n . D DUPLICATE COPY PreparedFo: BARBARA A RAYHART Finance Charges Billing days this penod: 30 Average Daily Daily Balance $ Periodic Rate Actual Annual Percentage Rate Purchases Cash Advances 743.66 0.00 0.0657% 0.0657% 23.74% 0.00% Account Number P 2 f 3 3712-658892.61004 age 0 ColTeSpondlng FINANCE Annual CHARGE $ Percentage Rate 23.99% 23.99% 14.65 0.00 14.65 Change of }~ddress II correct on Iront donotLlse N_ Com""" Nom. Street Address C,ty'Slallt ~pCodl! AreaCl.ldeand HomePholll' """,,, AIeaCcdeand Work Phone Nosnber l Continued on next page I r.l]=_L-=C [J--=-ICLLJ]__JTl:JI=r[LL I Lr::L~Tl=CO~~C[:_[:J_TT=[=[I::::CO [IIIIIICr::IITl--=r:ITI:=I=r=o IT.LLLJ__l I I 1 iT-LIIJ..LI::IIJ CIIIJ[] crcITIJ::=:OIJ rr--iO---'---IT.'1I1 _ ___L__. _L_L_..L_J .J -_JI "~~~""'~1Jmlf''''Nl''''''l!!'''\{p.'!ll))<,.~~,, '~l""",~",~_l _,' L fl~~~"".J!!1'f';;;'r1",IR'<''''';-''i'''' 'n'.;.'-'-"'"i1""'." """~'-+>';N'~-fYr'~""4w,,,"-,'iVJl:1'i1",,'-~~f!lW:'l"',,,",1~jll~~llf\i1!!i~ !~ , DUPLICATE COpy Prepared For BARBARA A RA YHART Aooourn Nwrbe' Page 3 of 3 3712-658892-61004 ~ Clooirg Date August 12, 1999 Payments Payments received after 10:00 a.m. or on weekends or holipa~ may not be credited until the next business day. Pa)llllents must be in US Dollars and drawn on a bank located in )he US (other Ihan American Express Centurion Bank)1 in the enclosed envelope with the r~mittance stub attached ~d ~ccoul)t number listed on the check. If payment is made In any other form or at any other location there may be a delay In pmcesslng. Lost or Stolen card If the Card is lost o~ stolen, in the 'U.S. imm~diat8W telephone us at the nl!mber noted to the right. Outside the U.S. contaqt the n~arest American ExPress Travel Service Office or call any ,lqcal Am~mc~n EXJ?ress office. Grace Period We will not Impose FINANCE CHARGES on Purchi'Ses In any billing period In which l'QtI had no outstanding balance at the beginning of the period. On Cash Advances and Balance Translers, FINANCE CHARGES are assessed trom the day ofthe Cash A"dvanceor Balance Transfer until the,daywe receive payment in full. Finance Charge. We use the average daily balance (including new Purchases) method to compute the balance subjectto the FINANCE CHARGE as follows: 1 Take the beginning balances for Purchases (including new Purchil'!es, the annual Ie,!> if any, and other fees) and Cash Advances, res~ely, each day, add any accrued but unpaid FINANCE CHAAG~S and debits applied against Purchases (exeluding insurance premiums and Express Cash fees) or Cash Advances that da~, 2 Subtrael any paymehls recelVed thai day and any eredijs awl,ed,to Purchases and Cash Advances, respectively, that day. The result is the daily balance for Purchases and Cash Advances respeelivel~, forthal day; 3 Add uplhe daily balances of Purchases and Cash Advances, respeelively, lor each da~ in the billing P!lriod; 4 Divide each sum by the number of da~ in the billinll. period. The quotients are the Average Dally Balance for Purchases(ADBP) and Average Daily Balance for Cash Advapces(ADBC), respectively. The ADBP will be considered to be zero if you paid the closing balance on Purchases, if any, shown on your previOUS month's statement b~the payt!lent due dale on Ihat statement. To calculate total FINANCE CHAAGES for the billing period, we mullipiy the Daily Periodic Aate (DPA) for Purchases by the ADBP and mulliplythe DPA for Cash Advances by the ADBC and multiply the respeelive resulting numbers by the number of days in the billing cyde. Each DPA is 11365th of the respective APR. The FINANCE CHARGES derived/rom the ADBP and ADBC are calculated separately and are added togethe( to produce the total FiNANCE CHAAGE. Unless otherwise disclosed, Balance Transfem are treated as Purchases for calculating FINANCE CHAAGES. Billing Rights Summary: In Ca.. 01 Errors or aueslions Aboul Your Bill: lIyou thinkyourbill is incorrect, or if you need more information aDout a transaction on your bill, write us on a se~ratesheet of paper atlhe address noted to the right We must hear from you no laterlhan 60 days after we senl you the FIAST bill on which the error or problem appeared. YOu can telephon~ us atthe number indic~ed on Ihe front ofthis statement but doin!l. so will notJJreserveyour righls. In your letter, give us the tollowing mformation: 1 Your name ana accounrnumber; 2 The dollar amount of the suSpected error' 3 Describe why youl:lelieve there is an error. If yoU' need more information, describe the item you are unsure about. You do not have to pay any amount in question while We are investigating, but you are stin obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any actIon to collect the amount you question. If you have authorized us to pay your account bill automatically from r.our savings or checking account, you can stop the payment on any amount you tflink IS wrong. To stop the payment, your etter must reach us three business day;; before the autOmatic payment is acheduled to occur. Spacial Rule For Credit Card Purchases: If you have a problem wijh the quality of goods or services that you purchased with a ere<ft cardl and you have tried in good faith to correel the problem With the merchant, you may not have to pay the remaining amoun due on the goods or services. You have' this protection only when the P!Jrchase price was more than $50 and the PlJfchase was made in your home state or within 100 miles of your mailing address. (It we own or ope:rate the merchant, or if we mailed you tlie advertisement for the property or services, all purchases are covered regardless of amount or locaIion o!the purChase.) . In Caae of Errors or Queationa About Your Electronic Trans'ers: Please contact us by calling 1-800-CASH-NOW or write to us at the Funds Access Services address noted to the right as soon as you can. if you ttilnk your statement or receipt is wrong, or if you need more information about a transfer or the statement qr receipt. We must.hear from you no laterthan 60 days after we sent you the FIAST statement on which the problem or error aJJpeared. When oalllng or writing please: 1 Tell us y'our name and Account number; 2 Provide the dollar amount Of the suspeqted error; 3 Descrioo whyyqu believe there is an error orwhy you need the imormation. We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do thiSj we will cr9dit your acccunt for the amount you think is In error, so that you will have use of the money during the ime it takes us to complete our investigation. Feea Minimum Finance Charge for purchases~. 0.50, Transaction Fee: For each Cash Advance throu.,gh Express Cash, 2% of each wijhdrawal, wijh a minimum fee of .50 and a maximum fee of $20 for each withdrawal. The following fees as determined by !lPclicable law - Late Fee and erlimit Fee: $0 . $25 Aetumed Payment Charge: $0 - $25. Annual Fee and APR Information: If you are charged an annnual,fee and you wish to discontlnue your membership wijhout paying Ihis fee, please call us IMMEDIATELY at the number listed to the right when you receive the statement on which the fee is billed. The APAs (which appear elsewhere on this stalementl may vary based on the applicable Prime Aale (PA). The PA is listed in the Wall Street Journal on the 15th day (or preceding business day) of the prior month. If a promotional rate is in effect, that rate will apply according to the promotional terms disclosed to you when you were offered the account or pr:omotional opportunity. Please see your Card member Agreement. Creditor: American Express Centurion Bank. i . , , ~ , . . l , . . . l Telephone Numbers Customer Service. and Lost or Stolen Card 1-800-964-8542 (24 hours, toll freej International Call eel: 336.393-1111 Addresses Customer Service PO Box 7863 Ft. Lauderdale, FL 33329-7863 Funds Access Services P.O. Box 53809 Phoenix, AZ. 85072-3809 Payments SUITE 0002 CHICAGO IL 60679-0002 -~ i. iT'1!'1ill"f~:l!-~r DUPLICATE COPY .ER'CAN """""55 o Cards Customer Service Page 1 of 3 800-964-8542 (24 hours 17 days) www.americanexpress.cam Minimum Payment Due Date Amount Due $ October 8, 1999 Minimum Amount Due includes: Past due amount $46.00 This month's amount due $17.00 Please refer to page 3 for important information regarding your account The Optima@ Card PrepaJed For BARBARA A RA YHART C!amlg Date Account NUOlber September 13,1999 3712-658892-61004 Account Summary Previous Balarx:e $ 801.2511 New Charges/Adjustments $ inc. Finance Charge,if any New Balance $ =868.261 63.00 Payment Activity $ 0.0011 ~7.0111 Your account is past due and $368.26 overlimit. Please pay past due amount immediately. Credit Line Summary on September 13, 1999 Total Credit Line $ 500.00 Available Credit Line $ 0.00 Payments Total of Payment Activity Amount $ 0.00 New Activity Transactions for BARBARA A RAYHART Card 3712-658892-61004 September 13, 1999 Finance Charge September 13, 1999 Overtimit Fee Reference: 319992560730001400 AmountS 17.01 25.00 September 13, 1999 Late Payment Fee Reference: 319992560730001401 Total of New Activity 25.00 67.01 + Please fok:! on the perforation below, detaol1 and relurn w~h your payment + Continued on reverse t=:) Payment Coupon Account Number 3712-658892-61004 Payment Due Date: October 8, 1999 ~ o N o o . . . o ~ o ~ ~ N ~ N o BARBARA A RAYHART 437 EKING ST SHIPPENSBURG PA 17257-1501 Minimum Amount Due $63.00 1",111",1"1,1,1,1.1",1",11,1.1,11,'11,,11,,11.1,,,1,"III Amount enclosed ~ Mail Payment to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 1,11"11.,..11"1,".11,1"11",11,,,11,,,,,1,11"1,,1,1,".',11 0000371265889261004 000086826000006300 09 n ,. , 'I Please enter account number on all checks anc correspondence. To avoid additional Finance Charges, pay New Balance before Payment Due Date. Check here if address or telephone number has changed. Note changes on reverse side. o ^' . ~, '->'~-'- - > - DUPLICATE COPY Prepared FOl BARBARA A RA YHART Finance CharQes Billing da)fS this peYlod: 32 Purchases Cash Advances 809.46 0.00 Actual Annual Corresponding Percentage Annual Rate Percentage Rate -- --- ------ 23.73% 0.00% Accoont Number 3712-658892-61004 FINANCE CHARGE $ Page 2013 Average Daily Daily Balance $ Periodic Rate 0.0657% 0.0657% 23.99% 23.99% 17.01 0.00 17.01 Continued on next page Change of Addl'ess It correct on tmnt do nol use N_ ~- -1--.J -] . .--[.--[- I-' --r--r--C.J:--r-ITr---TuJ _L_ ___ __1_. .__ __-.i_J _1_ _.. .__L ... _LL_ '..[--[-I--l--'-I._.-l.---l---r--r-[ -r-l--r-'-T-.I-'--'--J I. __ __.._ __L _ __ _____ __ ___L_.. __L__L_ __L.J__ CIT_LL_LT=C[_i --C1=t-i ~:III~Y-r:[IIJ D=:-lICr-I-=T.:Tl--T-I-- _ --1__ :IT ~--.-D eJ-]I:CC:CCD I CL~C[J=IIITT:-J ....J Company N~. .,~ Addl""" City. Stale Zip Code AreaCodeand Home Phone N"",", AreaCodeand WorkPhooe N"",", rT'!IIMII!lilll 1i"i'iM>li,*1'1~-II'iffi''''-1!''11''I.F:~1l'iTli\l!~, I ~p,_ ^ ,~_, ~!@~!!t)jlWY':AT"'I'i'-"",v->_",,:q'-"'r""-"'lr_'- --, "'-'Jt""T'"t,~,__"""",-:~;;!ti'P~J.w';-flJ'Wiqj'iW"'B'f\<J~~~~~~!W DUPLICATE COPY .EO' ""'OE , Cards PleparedFC\" BARBARA A RA YHART -- Page3of3 3712-658892-61004 Closing Dale September 13,1999 Payments Payments received after 10:00 a.m. or on weekends or h?lida~ may not be crediteq until the next busin~ day. Payments must be in US Dollars and drawn on a bank located In the US (other than Amencan Express Centurion Bank) in the enclosed envelope wnh the remittance stub attached and account number listed on the cheCk. If payment is made In Cloy other form or at any other location, there may be adelay in processing. Lost or stolen Card Iflhe Card is lost or stolen, in the U.S. Imm\!\liatelytelephone us at the number noted to the right. Outside the U.S. contact the n~arest American E?CP1ess Travel Service Office or call any.lqcal Am!=l(ic~n Express office. Grace Period We will no! Impose FINANCE CHARGES on Purchases In any billing pel!od In which y.oo had no outstanding balance at the beainning oflhe period. On Cash Advan~ and Balance Transfers, FINANCE CHARGES are assessed rromthe day of the Cash Advanceor Balance Transfer until the da}"we receive payment in full. Finance Charges We use the average daily balance (including new Purchases) method to compute the balance subjecl to the FINANCE CHARGE as follows: . 1 Take the beginning balances for Purchases (including new Purchases, the annual fe~ ,f any, and other fees) and Cash Advances, respectively, each day, add an.v accruedbul unpaid FINANCE CHARGt:S and debits appI'ed against Purchases (excluding insurance premiums) or Cash Advances that day. 2 Subtract any payments received that day and any credits applied to Purchases and Cash Advances, respectively, that day. The resun is the daily balance for Purchases and Cas~ Adv,!"ces respectively', forthat day; . 3 Add upthe daily balances of Purchases and Cash Advances, res~lVely, tor each day In the billing ~nod; 4 Divid<i each StJm by the number of daY'! in the billins. period. The Quotients are the Average Daily Balance for PurchaseslADBP) and Average Daily Balance for Cash Advances(ADBC), respectively. The ADBP will be considerecf to be zero if you paid the closing balance on Purchases, if any, shown on your previous month's statement bY.the pal"!'ent due date on that statement To calculate total FINAIIICE CHARGES for the billing period, we mulliply the Daily Periodic Rate (DPR) for Purchases by the ADBP and multiply the DPR for Cash Advances by the ADBC and muniply the respective resuning num~rs by the number of daY.S in the billing cycle. Each DPR is 11365lh of the resp(lctive APR The FINANCE CHARGES derlVedlrom the ADBP and ADBC are calculated separately and are added together to produce the total FINANCE CHARGE. Unless otherwise disclosed, Batance Transfers arelreated as Purchases for calculating FINANCE CHARGES. Billing Rights Summary: In Case 01 Errors or Questions About Your Bill: If you think your bill is incorrecl, or if Y.Ou need more information about a transaction on your bill, write us Or! a separate sheet of paper at the address noted to the right We must hear from you no later than 60 day's after we sent you th. e FIRST bill 'on which the error or problem appeared. Y-ou can telephone us at tfie number indicated on the front ofthisstatement but doing sowill no!jJrli5elVe your rights. In your letter, give us the following infonnation: 1 Your name and accounfnumber; 2 The donar amount of the suspected error- 3 Describe why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. If you have authorized us to pay your account bill automatically from your savings or checking account, you can stop the payment. on any amount you think IS wrong. To stop the payment, your letter must reach us three business da~ before the automatic payment is scheduled to occur. Special Rule For Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased wnh a credn card and you have tried in gooO faith to correct the problem wnh the merchant, you may not have to pay the remaining amounl due on the goods or services. You ha.ve this proteCtion only when the purchase price was more than $50 and the purchase was made in your home state, or within 100 miles of your mailing address. (If we own or operate 1he merchant, or if we mailed you tne advertisement for the property or services, all purchases are covered regard1ess of amount or location o!the purChase.) In Case 01 Errors or Questions Aboul Your Electronic Transl.....: Please contact us by calling 1-800-CASH-NOW or write to us at the Funds Access Services address noted to the rig,ht as soon as you can, i(you think your statement or receipt is wrong, or if you need more information about a transfer or the statement or receipt. -We must -hear from you no later than 60 ooy's after we sent you the FIRST statement on which the prOblem or error appeared. When calling or writing please: 1 Tell us ~ur name and ACcount number; 2 "Provide the dollar amount of the suspected error; 3 Oescrioe why you believe there is an error orwhy you needthe information. We will investigate your compr8lnt and will correct any error promptly. If we take more than 10 business days to do thiSl we will credit your account for the amount you think is In error, so that you will have use of the money during the ime it takes us to complete our investigation. Fees Minimum Finance Charge for Purchases: SO.50, Transaction Fee: For each Cash Advance through Express Cash, 3% of each withdrawal, with a minimum fee of $3.00 and no maximum fee fo~ each withdrawal. The following fees as determined by !'PoIicable law - Late Fee and Overlimit Fee: $0 - $25 Retumed Payment Charge: $0 - $25. Annual Fee and APR Infonnation: If you are charged an annnual fee and you wish to discontinue your membership without paying this fee, please call us IMMEDIATELY-at the number listed to the right when you rece,ve the statement on whictl tlie fee is billed. The APAs (which appear elsewhere on this statement) may v~ based on the applicable Prime Rate (PR). The PR is listed in the Wall Slreet Journal on the 15th day (or preceding business day) of the pnor month. If a promotional rate is in effect, thai: rate will ~ply according to the promotlonill terms disclosed to you when you were offered the account or promotional opportunity. Please see your Cardmember Agreement. Creditor: American Express Centurion Bank. :''''''''7l ."9'''(0-1'-'''' Telephone Numbers Customer Service and Lost or Stolen Card 1-800-964-8542 (24 hours, toll tree) International Collect: 336-393-1111 Addresses Customer Service PO Box 7863 Ft. Lauderdale, FL 33329-7863 Funds Access Services P.O. Box 53809 Phoenix, p;z. 85072-3809 Payments SUITE 0002 CHICAGO IL 60679-0002 DUPLICATE COPY .E"1eAN EXRBESS . Cards Customer Service Page 1 of 3 800-964-8542 (24 hours 17 days) www.americanexpress.com The Optima@ Card Prepared For BARBARA A RAYHART Closing Dale Accourrt Number October 13,1999 3712-658892-61004 Account Summary PrevIOus Balance $ Payment Activrty $ New ChargeslAdjusbnents $ IflC.Financ:eCharge,ifany New Balance $ =935.531 Minimum Payment Due Date Amount Due $ November 7, 1999 Minimum Amount Due includes: Past due amount $63.00 This month's amount dUE"; $19.00 Please refer to page 3 for important information regarding your account 82.00 'I~l~ 0.0011 868.2611 <67.2711 Your account is past due and $435.53 overlimit. Please pay past due amount immediately. Credit Line Summary on October 13, 1999 Total Credit Une$ 500.00 Payments Total of Payment Activity New Activity Transactions for BARBARA A RAYHART Card 3712.658892-61004 October 13, 1999 Rnance Charge -------~ October 13, 1999 Ove~imn Fee Refere~: 319992860720021846 October 13, 1999 Late Payment Fee Reference: 319992860720021847 Total of New Activity Available Credit Une$ 0.00 Amount $ 0.00 AmountS 17.27 25.00 25.00 67.27 Payment Coupon Account Number 3712-658892-61004 Continued on reverse t:=> Payment Due Date: November 7, 1999 . Plea5e fok! OIl the perfora1ion below, det:Ch and return with your payment . ~ o N o o c ~ ~ o o = o = Q ~ N o BARBARA A RAYHART 437 EKING ST SHIPPENSBURG PA 17257-1501 1",11I",1,.1,1,1,1,1".1."11,1,1,11"",.11.,11.1",1,,,III Mail Payment to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 Minimum Amount Due $82.00 Please enter account number on all checks an. correspondence. To avoid additional Finance Charges, pay New Balance before Payment Due Date. Amount enclosed rs- I Check here if address or telephone number has changed. Note changes on reverse side. 1.11.,11.,,,11,,1,,,11,1,,11,,,11.,,11,,,,,1,11,1,,1,1,,..I,ll 0000371265889261004 000093553000008200 09 rl 01 o 'h' "~~, DUPLICATE COpy PreparedFOl BARBARA A RAYHART Finance Charges Billing days this penod; 30 Purchases Gash Advances 876.58 0.00 0.0657% 0.0657% Account Number P 2 f 3 3712-658892-61004 age 0 Actual Annual Corresponding FINANCE Percentage Annual CHARGE $ Rate Pen:enlage Rate ---------------~----~~- 23.74% 23.99% 17.27 0.00% 23.99% 0.00 17.27 Average Daily Daily Balance $ Periodic Rate Continued on next page Change of }\ddJ~sS If correcl on Il'ont do not use N~, ~I ~~T=I:J-=]-LT]~J- ._. 1-.. L_l . T _ Ur-rI[=L---':[] I-r-r ----,---,-,--[--[--[--r --r--- r--r T -- 1-..-1. .... I--T~----'-' _._..,..__.___L_L--L______ _ ____L_.L_.. ______ _--1__~___LJ L=[T=-=rII~'I=]___]_T-=r-=LI=r-rT_L]'~ CDIrI=r--CI:J=LI-.=l_]=o:=r:TJ_IJ DIIJ-J [I[]--rTT::I-.J...I--j .J D_~____CO::TTTJ::J COO'lpany N~, Sneet "",= Crtv-Stale ZlpCode AreaCDdeand /-lane Phone N~" AreaCOdeand Work Phone Nlnlber ~~ "llll'_t~I.IiIIIIIP~~ITll"1fI\I'!11$lt!f,!"__, "~" ,~~~_" mM1l""":'~+_'-"'IJ"l","'I''<'''''\'<",~I'''''''''''C'(r>-'-'' --'-~"~"'''''_'''''-ff",,''''!<l''''ii\';;1l)lIP:!1i0i'%1l?1l@lj-WtIPJmll~l_~'il~~ I DUPLICATE COPY .. Cards Prepared For BARBARA A RA YHART """""",N"",,", Page 3 of 3 3712-658892-61004 Closi~Dale October 13, 1999 Payments Payments received after 10:00 a.m. or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than American EXJlfess Centurion Bank), in the enclosed envelope with the remittance stub attached and account number listed on the cheCk. If payment is made '" anY ot/1e(form or at anyother locaIion, there may be adelay in processing. lost or stolen Card lithe Card is lost or stOlen, In the U.s. Immediately telePhone us at the number noted to the right. Outside the U.S. contact the nearest American E_ Travel Service OffiCe or call any.local American Express office. Gra<:e Period We wm not Impose FINANCE CHARGES on Purchases in any blmng period in which you had no outstanding balance at the beQinning olthe period. On Cash Advances and Balance Translers, FINANCE CHARGES are assessed fi'omthe day of the Cash Advanceor Balance Transferuntil the day we receive peyment in full. Finance Charges We use the average dally balance (including new Purchases) method to compute the balance subject tothe FINANCE CHARGE as follows: 1 Tal<e the beginning balances lor Purchases fll1Cluding new Purchases, the annual lee" if any, and other fees) and Cash Advances, respectively, each day, add an'y accrued but unpaid FINANCE CHARGeS and debits applied against Purchases (excluding insurance premiums) or Gash Advances that day' 2 Subtract any payments received that day and any credils aJlPlied to Purchases and Cash Advances, respectively, that day. The resuil is the daily balance for Purchases and Cash Adva>)ces respectively, forthat day; 3 Addupthedally balances of Purchases and Cash Advances, respegively, lor each day in the billing period; 4 Divide each sum by the number of daY'! in the himn!!. period. The quotients are the Average Owly Balance for Pun:hases(ADBP) and Average Dally Balance for cash Advances(ADBG), respectively. The ADBP will be considered to be zero II you Oaid the closing balance on Purchases, if any, shOwn on your previous month's statement by the pavmenl due dale on that statement. To calculate total FINAl'JCE CHARGES forthe bimng period, we multiply the Daily Periodic Rate (DPR) for Purchases by the ADBP and multiply the DPR for Cash Advances !>y the ADBC and muilioly the respeelive resuiling numbers by the number 01 days in the bimng cycle. Each DPR is 1136i5lh ofthe respective AP'R. The FINANCE CHARGES derived from the ADBP ana ADBC are calculated separately and are added together to produce the total FINANCE CHARGE. Unless otherwise disclosed, Balance Transfers are treated as Purchases lor calculating FINANCE CHARGES. BOUng Rights Summ8/Y: In Case of ER'OI'S or Questions lUlout Your Bill: If you think your bill is incorrect, or if you need moreinformatiOn al'xM a transaction on your bill, write us on a separate sheet of paper at the address noted to Ihe right. we. must hear from you no laterth. an 60 days afterwe sent you the FIRST bill on which the error or problem appeared. YOu can teleohone us attlie number indicated on the Iront of this statement but doing SO will notpreserve your rights. in your lelfei'. give us the following Infonnalion: 1 Your name ana ac(:ounrnumber; 2 The donar amount of the suspected error' 3 Describe why you llelieve there is an error. If you need more infoOl1atlon, describe the lIem you are unsure about, You do not have to pay any amount in question while we are investigating, but you are still Obligated to ray the parts of your billthal are not In questlOO. While we Investigate your question, we cannot report you as dellnquen or takEi any action to collect the amount you question. tt you have autIIorized us to.pay your account bm automatically from yoursavings or checl<ing account, you can stopthe payment on any amount you think IS wrong. To stop the payment, your letter mustreach us lhreebusinessda~ belorethe automatic payment Is scheduled to occur. S~ Rufe For Credit Card Purchases: If you have a problem wllhthe quality 01 goods or services that you purchased with a credit card, and you have tried in gooa laith to correct the problem with tne merchant, you may not have to pay the remaining amount due on the 9Q09s or services. You have this orotOOtion only when the purchase.Erice was more than $50 andlhe purchase was made in your home state orwllhin 100 miles of your mailing address. (II we own or operate the merchant, or II we mailed you tne advertisement for the property or services, all purchases are covered regatdless of amount or locaIiOn of the purchase.) In eas. of ER'OIS or Questions About Your Electrontc Transflll'$: Please contact us by calling 1-800-CASH-NOW or write to us at the Funds Access Services address noted to the right as sbon as you can, if you thInk your statement or receipt is wrong, or II you need more information about a transfer or the statement or receipt. We must""ar from you no laterthan 60 days after we sent youthe FIRST statement on which the problem or error appeared. When caUlng or writing please: 1 Tell us your name and Accountnumbe(; 2 Provide the dollar amount of the suspe<;ted error; 3 OescriOO why you believe there is an error orwhy you need the inronnation. We will investigate your compla"'t and will correct any.e((or promptly. If we take "1Ofe than 10 business days to do thiS! we wilt credit your account for the amount you think IS In error. so that you will have use of the money during the Imeiltakes us to comPlete ourinvestigation. fees Minimum Finance Charge for Purchases: $0.50, Transaction Fee: For each Cash Advance thrO\lgh Express Cash, 3% 01 each wilhdrawal, wilh a minimum fee of $3.00 and no maximum lee for each wilhdrawal. The following fees as determined by acoIicable law - Late Fee andOverlimit Fee: $0' $25 Retumed Payment Charge: ~o - $25. Annual Fee and 'APA Infonnation: If YO\l are charged an annnual fee and you wish to disConllnue your membership wllhout paying this fee, please call us IMMEDIATELy-at the number listed to the right when you receive the statement on which the fee is hilled. The APRs (Which appear elsewhere on this statemant may vary based on the applicable Prime Rate (PR). The PRis listed in the Wall StreetJoumal on the 15th day (or R' . business day) oftheprlOfrnonth. If a promotional rate is in effect, that rate will ;lIlPIy according 10 the promotlonallerms closed to you when you were offered the account or promotional oPQOrtunity. Please see your Cardmember Agreement. CfedlIor: American ExpresS Cenlurion Bank. r 'I - Telephone Numbers Customer Service and Lost or Stolen Card 1-800-964-8542 (24 hours, toll free) International Collect: 336-393-1111 Addresses Customer Service PO Box 7863 Ft. lauderdale, FL 33329-7863 Funds Access Services P.O. Box 53809 Phoenix, AZ 85072-3809 Payments SUITE 0002 CHICAGO IL 60679-0002 ;''''''''''I''!l!I(O''.,.r1r DUPLICATE COPY ..'OIN E55 o Cards Customer Service Page 1 of 3 800-964-8542 (24 hours J7 days) www.americanexpress.com Minimum Payment Due Date Amount Due $ Decemb... 7, 1999 Minimum Amount Due includes: . Past due amount $82.00 This month's amount due $20.00 Please refer to page 3 for important information regarding your account The Optima@ Card PrepafedFor BARBARA A RAYHART Closing Dale Aooount Nwnber November 12,1999 3712-658892-61004 Account Summary Previous Balance $ New Charges/Adjustments $ ire. Finance Charge,~ any New Balance $ =1,012.141 102.00 Payment Activity $ 0.0011 L 935.5311 +76.6111 . I ndicates posting date. Your account is past due and $512.14 overlimit. Please pay past due amount immediately. Credit Line Summary on November 12, 1999 Available Credit Line $ 0.00 Total Credit Line $ 500.00 Payments Total of Payment Activity Amount $ 0.00 New Activity Transactions for BARBARA A RAYHART Card ;3712-658892-61004 Amounl S November 12,1999 Rnance Charge November 12, 1999* Overlimit Fee Aefer~nce: 31999316073001 1002 18.61 29.00 November 12,1999* Late Payment Fee Aefer~nce: j"19993160730011900 Total of New Activity 29.00 76.61 + Pltlase Iok] on the per/orallon below, detcch and return w~h your paymenl + Continued on reverse t::=:> Payment Coupon Account Number 3712-658892-61004 Payment Due Date: Decemb... 7, 1999 ~ o ~ o o < ~ ~ o o il ~ BARBARA A RAYHART 437 EKING ST SHIPPENSBURG PA 17257-1501 Minimum Amount Due $102.00 1,,,11I,,,1,.1,1,1,1,1,,,1,,,11,1,1,11,,,,.,11..11,1,,,1,,,1II Amount enclosed Is .;; m ~ o Mail Payment to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 1,11"11,",11"1",11,1"11",11",11,,,,,1,11,1"1,1,,,,1.11 0000371265889261004 000101214000010200 11 rl ~"'I ~ ., Please enter account number on all checks anc correspondence. To avoid additional Finance Charges, pay New Balance before Payment Due Date. Check here if address or telephone number has changed. Note changes on reverse side. o ~. ,.' ~- ~ - > -, ,_."~ ~ - DUPLICATE COPY PreparedFOf BARBARA A RAYHART Financ:e Chllrges Billing days this penod: 30 .Account Number P 2 13 3712-658892-61004 age 0 Average Daily Daily Balance $ Periodic Rate 944.49 0.00 Actual Annual Corresponding Percentage Annual ___F1a-',,-~en:entage Rate 2374% 23.99% 0_00% 23.99% FINANCE CHARGE $ Purchases Cash Advances 0.0657% 0.0657% 18.61 0.00 ____0_ 18.61 Continued on next page Change of Address II carracl on lronl do nol use N_ r71-1--[.----I--r- r-I iT 1.-T1'[...-1---r---J.--J..--[-] L_____ _l_ __ _.~__ .m 1_1. .._1._ L_. _ __ _____ m []=[IITI__l=-I~I=-r]~TI_:Lrr]=[~L_] [T--T-J---.I-'--,--r-I--j-T-l---,----,---r--D-r-I-- .] ___J__L___ __-L-l___.~_____ ___ __---.L._.J_.~_L_J_~l~__ _ _, .__ ---1__ .._. r-T".l-~r-r-'-------I---'-!II- .--I--J-I--r-'--IJ L..l_L.L_L_L.L_..L_L__L_.-'_n ___ __ _-L.....L_ __ [:LL_LJ I elf-T--T r [IC[I] .J ,--,--r--J-J--- I'---I"r-TJ L._L..L__ __ _.__. __.L__.Lm..__ _.L C.""..., N_ .,~ AddrllSs CLty.S!ale ""C_ AreaCode..oo HanePhone N~"" AreaCodeand WorllPhone Nlrnber l1"'l\W_k."~ _ _, ~~",,,-'~m-"'<t~"~:~:IlJ''''"n,,'l( ~I J _L p;n~~~~~'-"~1"~,,~~"''''''':,~,.,.''"'''.,;P,'-~''4~:~''.''''''.''''''-"~;'!!;,,,.;'t1~-:',''''il!;lll:l$tj'I!fI1t~,~('I.;'1:f;,TI'~~,.~~,~~''' 'c'-' N':"'~31':l1 I DUPLICATE COPY .. Cards Prepared For BARBARA A RA YHART Aooouot """""" Page 3 of 3 3712-658892-61004 Ck.6mg Dale November 12, 1999 Pay_IS Payments received after 10:00 a.m. or on weel<ends or holid'1Ys may not be credited until the next business day. PaymentS must be in US Dollars and drawn on a bank located in th~ US (other than American E~ Centurior Bank), in the enclosed envelope with the remittance stub aftached and ac<lount number listed on the cheCk. If payment IS mada In l\I1Y other form or at any olher location, there may be adelay in P~In9. . Lost or Stolen card If the Card is lost or stolen, in the U.S. immediatel telePhone US at the number noted to Ihe fight. Outside the U.S. contact the nearest American Ex~ress Travel Service Olli or catl anyiocal American Exll'ess offICe. Grace Period We wiN not impose FINANCE CHARGES On Purch es in any billing period in which you had no outstanding balance at Ihe beWnni'19 of the perjod. On Cash Advances~. Balance Transfers, FINANCE CHARGES are assessed fiom thedayofthe Cash AOvanceor BalanceTransfer until the l!aywe receive payment in full. Anance Charges We use the average daily balance (including new Purchases) method 10 compute Ihe balance subject to the FINANCE CHARGE as follows: 1 Takelhe beginning balances for Purchases (including new Purchasep, the annual fee) if any, and other fees} and . Cash Advancesfin~ fees associated with Cash Advances), re$e<;lively, each oay, aiJd any accrued CUt unpaid FINANCE CHAAGESanadebils applied against Purchases (excluding insurance premiums) or Cash Advances that day. 2 SubtriiCl any pa}'l!\ents received Ihat day and any credits llIlPll8\l:to Purchases and Cash Advances, respectively, that day. The resuft is the dailv balance for Purchases and Cash Adtlan.ces,respectively, forthat day; 3 Add upthe dally balances of Purchases and Cash Advances, res~vely, ",reach d'1Y in the bilHng ~; 4 Divide each sum by the number of day\! In the bllHn9. period. The Q!JOtients are the Average Daily Balance lor Purchases(ADBP} and Average Daily Balance for Cash Advilnces(ADBC), respectively. The ADBP wiN be considete<f to be zero if you paid the closing balance on Purchases, if any, shbwn on your previous month's statement by the pa~ duedate on that statement To calculate total FINANCE CHARGES for the bilHng i;riod, we muftiply the Daily Periodic Rate (DPR) for Purchases by the ADBP and multiply the DPR for Cash Advances Ihe ADBC and muJIiolv the r~c1jve resufting numbers bv the number of days in Ihe biUIng cycle. Each DPR is 1/365 of the res!"'Ptlve Af'ff. The FINANCE CHARGES derived1rom the AOBP and ADBC are caJcUlated separately and are added together to prodt,lce the total FINANCE CHARGE. Unless otherwise disClosed, Batance Transfers are treilted as Purchases for qalculating FtNANCE CHARGES. Billing Rights Summary: In Case of Errors Of Questions !\bout Your BUI: If you Ihlnk your bill is incorrect, or if you need more information about a transaction On your bill, write u. On a separate sheet of paper atthe address noted to the nant. We muslhearfrom you no later then 60 days afterwe sent you the fiRST bill On which the erraror problem appeared. YOu centeleiJhone us attfte numberindicaledon the front oflhis state~nt, butdoing so will notpf;lI;e'V8 your rig his. f In your letter, give us the following -Infonnatlon: 1 Your name ana accounrnumber; 2 The dOllar amount 0 the suspected error. 3 Describe why you believe there is an error. If You need more informalion, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to ray the parts of your bill that are not in QUeslIOll. While we investigate/your question, we cannot report you as del1nquen or tal<& any actlOl1tO collect the amount you question. If you have authorized us to pay your account bill automatiCally from r,our savings or checl<ing account, )I\lu can stop the payment on an~ amount you think IS wrong. To stop the payment, your eftermust reach us three buSiness days beforelhe automatic payment is scheduledtooceur. SII8.CiaI Rule For CredIt Card Pur~: If you have a'problem wijh the quaiilv of goods or services that you purchased with a credit cardl and you have tried in gooO faith to COrrect the problem with Ine merchant, you may not have 10 pay the remaining amoun due On the Q90ds or services. You rave this Jlfo\ection only when the purchase price was more than $50 and the ourchasewas made in your home state orwijhin 100 miles of yOur mailing address. (If we own or operate the merchant, or if we mailed you Ihe advertisemenl for the property or services, all purchases are covered regardless of arnountor location of the purchase.) In Case of EIIOf$ or Questions About Your Eleclronic TraIlsfers: Please contact us by caUi(191-800-CASH-NOW or write to us at Ihe Funds Access Services addre81l noted to 1!>El right as soon as you can, if you thmk your stalement or receipt is wro(19, or if you need more information about a transfer or the statement or receipt. We muslhear from you no later than 60 days afterwe sent you the FIRST .tatement on whicf/ the problem or error appeared. When calling Of writing please: 1 Tell us your name and Account number;_ 2 Provide the dollar amoLlnt of the SlJSp8l)jed error; 3 Describe why you believe there is an error orv,ihyyou needlhe inTormalion. We will investigate your compllllnt and will correct any error promptly. If we take more than 10 business days to do thiS!; we will credit your accounl for the amount you think is m error, so that you will have use of the money during the .md takes us to comlllete ourinvestigation. Fees Minimum Finance Ch~e for Purchases: SO.5Qc Transaqtion Fee: For each Cash Advance thro\l!lh Express Cash, 3% of each wijhdrawal, wijh a minimum fee of $3.uu and no maximum fee for each wijhdrawai. The following fees as determined by aooIicable law - Late Fee andOvetlimil Fee: $0 -$29 Returned Payment Charge: ~O -$29. ""nuaJ Fll!> ari<! 'APR Infonnalion: If you are charged an $nnnuaJ fee and you wish to olSCOJ1ttnue your membership w~hout paymg thIS fee, Ill!!ase catl US IMMEDIA TEt '( at the number listed to the right when you rece.ve the statement on which the fee is billed. The APRs (which appear elsewhere/on this statement) may vary based on the applicable Prime Rate (PR). The PR is listed in Ihe wan streeIJournal On Ihe 115th day (or ;:>receding Dusiness day) ofthe pnor month. If a promotionat rate is in effect, that rate will ;!ppIy according 10 the promolionilllerms disclosed to you when you were offered the account or promo!ional olJllOrtunity. Please see your Cardri1ember Agreement CredilOf: American Express Centurion Bank. . 'f'" "I Telephone Numbers Customer Service and Lost or Stolen Card 1-800-964-8542 (24 hours, toll free) International Collect: 336-393-1111 Addresses Customer Service PO Box 7863 Ft. Lauderdale, FL 33329-7863 Funds Access Services P.O. Box 53809 Phoenix, AZ 85072-3809 Payments SUITE 0002 CHICAGO IL 60679-0002 ~, I l-''''''''',~ -<'-"~"T.' DUPLICATE COPY .. rAN F.lESS . Cards Customer Service Page 1 of 3 800-964-8542 (24 hours /7 days) www.americanexpress.col.!1 The Optima@ Card Prepared For BARBARA A RAYHART CkiEllng Date Account Number December 13,1999 3712-658892-61004 Account Summary PreviousBalanoe$ Payment Activity $ 0.0011 New ChargeslMjustmenls $ irx:. Finarce Charge,if any +78.8111 Minimum Payment Due Date Amount Due $ January 7, 2000 New Balance$ =1 ,090.951 124.00 1,012.1411 Minimum Amount Due includes: Past due amount $102.00 This month's amount due $22.00 --~-----------~--_.._- Your account is past due and $590.95 overlimit. Please pay past due amount immediately. ~~~~~:;:lt~fo~at~on - -----------~~------------~---- ~ regarding your account For informational purposes only, this is not a bill, please contact your agency for account information. * Indicates posting date. Credit Line Summary on December 13, 1999 Tolal Credit Une$ 500.00 Available Credit Une$ 0.00 Payments Total of Payment Activity Amounl:$ 0.00 New Activity Transactions for BARBARA A RAYHART Card 3712-658892-61004 AmountS December 13, 1999 Finance Charge December 13, 1999* Overllmit Fee AefererJ:e: 319993470730006965 20.81 29.00 + Please fold on Ihe perforation belcm, deta:h ard return w~h your payment + Continued on reverse t::::) Payment Due Date: January 7, 2000 Payment Coupon Account Number 3712.658892-61004 Please enter account number on all checks and correspondence. To avoid additional Finance Charges, pay Minimum New Balance before Amount Due Payment Due Date. $124.00 ~ C N C C < ~ ~ c c c c c c c C N C BARBARA A RAYHART 437 EKING ST SHIPPENSBURG PA 17257-1501 1...11I..,1"1,1,1.1,1",1",11.1,1,11"""11,.11,1,,,1,,,11I Amount enclosed I $ I Check here if address or telephone number has changed. Nole changes on reverse side. Mail Paymenllo: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 D 1,11.,11.",11"1..,11,1"11,..11",11,",.1,11,1..1,',,,,I,ll 0000371265889261004 000109095000012400 11 rl , - DUPLICATE COpy Prepared For BARBARA A RAYHART New Activity continued Account Number P f 3 3712-658892-61004 age 2 0 Amounl$ December 13,1999* Late Payment Fee Reference: :119993470730006966 Total of New Activity 29.00 78.81 Finance Charges Billing days this period: 31 Average Daily Daily Balance:ti Periodic Rate Purchases Cash Advances 1,022.17 0.00 Actual Annual Percen1age Rilte 23.73% 0.00% Corresponding FINANCE Annual CHARGE $ Percentage Rate __"_..___.__.___n__.______._ 23.99% 20.81 23.99% 0.00 0.0657"10 0.0657% 20.81 0- (}v ~ 6' o ~ ~ Cr)~ g ~ r ~ ~t '-!... .t> .") a o c: :::~ -oft',J fT1(n ::?'.:~:n ~~ );; r-' -7'-,' ~() ::>c Z :< C) 0 C:} -" ~z -=-:;..~ C'J -'- ".".-':':: 1 "1 1;-:> .1 -.-. J ~.~~ ::r; ::0 '-< ~~ \:; "" ~ --~, -.,,"" _.n~ (:::> 8 Continued on ne.xt page Change of ,!l..ddless II couecton lront donolusa Name I ~J~:+~~t:tir~!=f~=.i:r~~H:I...~II~L~i l LLL",_LL_lluL'.1 LT "J__J,I [rrTT---L"::[[-[]_T-:]~ LTJ-J"::IITJ [IT_[[J[]. . _ _... [T__r'[~LJ~I__[]. J J [- .nT-~_.T - -.[ -I-Tn r-, T' uL _L__J_ __ L.. LH _J J --1 CompaTlY -, Streel "",~ Crl}I-Sl3Ie ZipC<Xle AfI.aCCdearo HomePho~e Nwnber Ar~Co:leand Workf'hone N~mber I , '. n_~~ ~ JiIII!IIlI!ll'1IU '",~ _' ,. lII!il:IIJ!IIiI!Wl~''''~~fit'!l! ,~~...._,-;:-..."...~.~~~'W~~,O:<>,"'fT,.-;"'-;;""""",.-O"i'~'j""r"j""li"",;:.i-'_:qI~_'_'''''''*M~''P1~'''~)WR;Wlj!~!lI~,] JI!!II!l SHERIFF'S RETURN - REGULAR CASE NO: 2000-07745 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND AMERICAN EXPRESS CENTURION VS RAYHART BARBARA 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 RAYHART BARBARA the DEFENDANT , at 0016:45 HOURS, on the 7th day of November, 2000 at 437 E. KING ST SHIPPENSBURG, PA 17257 by handing to BARBARA RAYHART 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 13.02 .00 10.00 .00 41.02 So Answers: r~~~~~~ R. Thomas Kline 11/08/2000 PEPPER, GORDON, BREEN, WEINBER Sworn and Subscribed to before By: me this /'/~ day of ~;u-ro A.D. ()or" (J, n,,,j,.~ up; prothonot :cy "'''''"''''-i-~ GORDON & WEINBERG, P.C. By: FREDERIC I. WEINBERG, ESQUIRE Identification No.: 41360 21 S. 21ST STREET PHILADELPHIA, PA 19103 215/988-9600 AMERICAN EXPRESS CENTURION BANK COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO.: 00-7745 BARBARA RAYHART PRAECIPE FOR JUDGMENT The Prothonotary will matter by default for want BARBARA RAYHART, and asse please enter Judgment in the above of an answer against the Defendant, es the damages as per statement below. FRED Atto Principal Interest from @6% Total: $1,148.95 3/02/00 $53.83 $1,202.78 I hereby certify that written notice of the intention to file this Praecipe was mailed or delivered to the parties against whom judgment is to be entered and to his attorney of record, if any, after the default occurred and at leten (10) days prior to the date of the filin of this Prae pe. FREDERIC Attorney Filed: By the Prothonotary: AND NOW, this Judgment is entered defendant, for want trial. /p--l-z.. day of ~(,prnj,~ , 2000 in favor of the plaintiff(s) and against of an answer and damages assessed at time of (L-h ) 7! ~t7-- Prothonotary 'f~-r- - GORDON & WEINBERG, P.C. By: FREDERIC I. WEINBERG, ESQUIRE Identification No.: 41360 21 S. 21ST STREET PHILADELPHIA, PA 19103 215/988-9600 AMERICAN EXPRESS CENTURION BANK vs. BARBARA RAYHART COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO.: 00-7745 CERTIFICATION OF ADDRESS I hereby certify that the precise residence of the holder of the within judgment is; AMERICAN EXPRESS CENTURIO, SUITE 0002, CHICAGO, IL and that the last known address of defendant, BARBARA RAYHART, 437 E. King Street, Shippensburg, PA 17257. GORDON & WEINBERG, P.C. BY: I i.:;I,,_ ~- -~- r - ~;=- --,<, 'I' - "I - -I" - __'T'" G, ESQUIRE tiff - GORDON & WEINBERG, P.C. By: FREDERIC I. WEINBERG, ESQUIRE Identification No.: 41360 21 S. 21ST STREET PHILADELPHIA, PA 19103 215/988-9600 AMERICAN EXPRESS CENTURION BANK COURT OF COMMON PLEAS CUMBERLAND COUNTY V5. DOCKET NO.: 00-7745 BARBARA RAYHART NOTICE PURSUANT TO RULE 236 OF THE SUPREME COURT OF PENNSYLVANIA, YOU ARE HEREBY NOTIFIED THAT A JUDGMENT BY DEFAULT HAS BEEN ENTERED AGAINST YOU IN THE ABOVE PROCEEDING. IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL FREDERIC I. WEINBERG, ESQUIRE AT 215/988-9600. GORDON & WEINBERG, P.C. BY: I. WEINBERG, ESQUIRE for Plaintiff Dated: December 12, 2000 GORDON & WEINBERG, P.C. By: FREDERIC I. WEINBERG, ESQUIRE Identification No.: 41360 21 S. 21ST STREET PHILADELPHIA, PA 19103 215/988-9600 AMERICAN EXPRESS CENTURION BANK COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO.: 00-7745 BARBARA RAYHART AFFIDAVIT OF NON-MILITARY SERVICE FREDERIC I. WEINBERG, ESQUIRE, being duly sworn according to law, deposes and says that he represents the plaintiff in the above-entitled case; that he is authorized to make this affidavit on behalf of the plain~iff; and that the above-named defendant is over twenty-one years of age; that the address of the defendant is, 437 E. King Street, Shippensburg, PA 17257; that the occupation of the defendant is unknown; and that the defendant is not in the Military Service of the United States, nor any State or Territory thereof or its allies as defined in the Soldiers' and Sailors' Civil Relief Act of 1940 and the amendments thereto. Sworn to and of Subscribed I ~I d- Day Before me this , 2000. FREDERIC Attorney ,,...--., Notary P ic NOTARIALSgAL .... JOHN V.McBRIDEiUl.NOlllry.f'ublic City off!hlladellllliai Phila. County M Comml,alon Excires June 10, 2Q04 )" ESQUIRk f - GORDON & WEINBERG, P.C. By: FREDERIC I. WEINBERG, ESQUIRE Id~ntification No.: 41360 21 S. 21ST STREET PHI4~ELPHIA, PA 19103 215/988-9600 N4ERlCAN EXPRESS CENTURION COuRT OF COMMON PLEAS Cm~BERLAND COUNTY vs. DOCKET NO.: 00-7745 BARBARA RAYHART NOTICE OF INTENTION TO TAKE DEFAULT TO/PARi". Bl'.RBARA RAYF.ART DATE OF NOTICE/FECHA DEL AVISO: November 29, 2000 IMPORTJtNT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRE" OF YOU IN THIS CASE. UNI;ESS YOU AC": WITHIN TEN (10) DAYS FRO~ THE DATE OF THIS NOTICE AS SET FORTH ABOVE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CAN~OT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP: Court ADMINISTRATOR CUMBERLAND COUNTY COURT HOUSE, 4 TH FLOOR 1 COURTHOUSE SQUARE CARLISLE ,FA 17013-3387 717-240-6200 BY: P.C. BERG, ESQUIRE PlOD f'-1lIMI ~ ',."~ "' ,.Kt\llllllllll - t 0 -tq. 70 :.0 0 C) .~.\ t- C C) '_J /:l:. 0 '. ;? -c:J () ~m [';'1 :i~} :--) r ~ ....... ~ , 65S~ CO ~.e -<~~- !v ~CJ -~-, ,.' 0- Z(=2 '.'-C- :..:> C) ~ ...J )>c ~ f: 2.':" ',,",.) ~,-"" -' :..:0 -------z -< ,,, -< lj__~~~~~~~1F~);>'>"~'~;!""'7;-""~,,,,"'T.."~":ti""'ff~"r.',',;~"1'I"~"!"~""~,,"~'l';c""~!I'l,~,j\I"'1W,%,jl'W>w.,,"-1-'1!iI~~J!'l1