The URL can be used to link to this page

Home My WebLink About01-05416. T OLIN, NEIL & HALTRECHT By: Burton Neil, Esquire Identification No. 11348 26 South Church Street West Chester, PA 19382 610-696-3030 Attorney for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. 701 East 60`" Street North Sioux Falls, SD 57117 Plaintiff v. DEBORA J VANDER MOLEN 58 Biddle Road, Carlisle, PA 17013-9794 Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW COMPLAINT 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 (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 claim set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for 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. LAWYER REFERENCE AND INFORMATION SERVICE Cumberland County Bar Assoc. 2 Liberty Avenue Carlisle, PA 17013 Telephone No. 717-249-3166--800-990-9108 OLIN, NEIL & HALTRECHT By: Burton Neil, Esquire Identification No. 11348 26 South Church Street West Chester, PA 19382 610-696-3030 Attorney for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. IN THE COURT OF COMMON PLEAS 701 East 60~' Street North Sioux Falls, SD 57117 Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA v. NO. U I - S5/l L ~ou ~~ ~,^c/7Jiv~ DEBORA J VANDER MOLEN ~ l 58 Biddle Road, Cazlisle, PA 17013-9794 Defendant CIVIL ACTION -LAW Complaint 1. The plaintiff is Citibank (South Dakota) N.A., a business corporation, with place of business located at 701 East 60"' Street North, Sioux Falls, South Dakota. 2. The defendant is Debora J. Vander Molen, who resides at 58 Biddle Road, Carlisle, Cumberland County, Pennsylvania. 3. At the defendant's request, plaintiff issued the defendant a credit card for the defendant's use in making credit purchases and securing cash advances subject to the terms and conditions governing the use of the credit card. Attached hereto, made a part hereof and mazked Exhibit A is a true and correct copy of the terms and conditions. 4. The defendant accepted the credit card and the terms and conditions governing its use for the purchase of goods, merchandise and services and/or for cash advances from vendors who accepted plaintiff's credit card. In using the credit card, the defendant agreed to comply with the terms and conditions governing its use which included the obligation to pay plaintiff for all chazges made in full upon receipt of the statement or in installments subject to monthly finance chazges. 5. The defendant utilized the credit card by making/obtaining purchases of goods, merchandise and services and/or cash advances from vendors who accepted the credit card. Monthly statements were sent to the defendant which detailed the charges made to the account including finance charges, late and/or, over limit charges. The balance due for the charges made by the defendant including any finance charges, late or over limit chazges is $9,301.49. 6. Defendant did not pay the balance due in full upon receipt of the billing statements and failed to make the required minimum monthly payment set forth in the billing statement. As such, _; , defendant is in default of the teens and conditions governing the use of the credit card. 7. Although demand has been made by plaintiff upon defendant to pay the sum of $9,301.49, the defendant failed and refused to pay all or any part thereof. 8. Plaintiff alleges it is entitled to recovery of its attorneys fees from defendant pursuant to the terms and conditions governing the account. Plaintiffs counsel is not a salaried employee of Citibank. Plaintiff seeks recovery of attorneys fees in the sum of $1,860.30. Wherefore, plaintiff demands judgment against the defendant in the sum of $9,301.49, attorneys fees in the sum of $1,860.30 and the costs of this action. OLI & LTRECHT f 1 d 4 P BY: urton Neil, Esquire Attorney for Plaintiff ~° _ . ~ ~~ • ~: = ~ C1.T CARD'A GREEMENT~` - • . - ~ :. . .-~::. ~: ..... ,. ~ . ::~. ._ . . ~ , : ~ _ i .. - •' ., .. . :, ~ The Pgreenresd and ~ a d i e ~ . _ _ ., n art er ar your G bmk ~ ~~ . . ~':.= . i S- •, .' • • • - • .~ artzr m~ ihrporard acrnant iota Aprpamt The acd rmadpr, Intindyp the annual pertantape rsle and fife arrwtmt d any memDersNp tea Ptase rpd M i . ', T.~::' ' • i aep the and arrter aM tltis Agreemem ra your remcda This Agrarmer¢ is ttlrklfrq as you unteis you ` . ,- ~ ..: •' Caaael yoar aCtaurq within 3l1 days atur recrtiyirp tlm and sod you hale not used _ . a aurhor;red use of your scmurn. . ' + : --• _> ~ Ta sim~iy tM rest d mis Tye y~y~ yAyQrye~emant t~ol~t~you~ tM faYowinq ddurmoca~nisMaplplMy. Iii WO(dS yD{I~f,,."lnd f""'+mean uK pelSIXjli th ~ r _ ~ • \ _ CT IS I Q.^.^^`` Ia whom we tTaxf dk dlferQ satcmerK The word and n>Parts one a more ands - = which we tuwi issaed witll youy aamum numpx the words we, vS and ourmean Claaardr (Sotih DikuC), itt 7de wafdT arwybr3tsf user mad NY pawa to . - .' rrnom Yau give pemfssipr t0 u5e year acxtnc The rwa5 Giia17/IF axckr man ~ . _ - . _ ~ one ar mart dsec'cs that rte ~Y provide (oryou m atrcan a ash am?:+~ the eras 9aranct rranslrrlWU mean om a more check[ mar we mry provide tar Yar to oC¢in a Ilatande ttaraW Wtatrce vanscas wt7 oe tR7Ud u purrnases tar ~ W rDaset e>stpt ZS pC~erwix deserted in tnit Agtaemurr, . .'. _ -- : Using Your Axount and Your Credit Lime: =~ • :, ~ musi hC.Stgned to De uszl Your ia~t ced; 4ae. appeals rn ox old ~ - ; - - _ mmae~nq me ord. A Din d your Reds Fae aced the Ststr adrarrce - - _ a - . _ ~ '. ~ ~ ~ , ,Lytt~Yl~S NJdaaG (af aSn adK4~,.XI al$ y~..y ,y~~ alry'~Sr70r w! m7Y - _ ^~•y-~W r u e r 7 t Fee df can adr~nh ~nl ~ ^ a u! I( `n:l yea ~'A9 aa FdKf L ... i.: _ i, ~ ~ ~ ~ , ,, y _ . . ~ ~ ~ y ~ ~' fRa7fa( dSrO(pQh a bYirla St.~GfnGlt SLtlf c+u:c+<wW C Ct liTEr'~IfC CnanQ! id1E$ ~- ~ eifta Yoa may tegtesi a C'G~ to ycur.c2~ ~ "sh adrena Fqut 6y -, - _ - _ ' _ °rracxq met Service q' asbphpry a mu., The fufl'art~ 7uor crzdit fr>c's'}r¢wade'~ Duy cr kase•voods a ruv;es - - ~ ; - ' . _ whoever t7a cards horwred•Ypyrash apvsnc Fmii's mitaok ia'asn : ; ... -..- - truaupn, arty bank ru wtcaaad, ielbirna~tix tfro a~az are rJ+d ar q' using r .. .. . ClfiaanSC r3z~. fie ~ arnorntCarged on ya,r ac~urrt, ix'vding purc".ss _ 1 .. _ , halarrm tramfers, astt advarras, furarre ~, lea. or amen C;argei. must l - . . ' ~II Gf1e hP.10rY y0af Rudd bI1B. However, atat ~I am Wm CS~dS ywf Yau musses pay r¢ Your yard must a-1 Da used hx Gretul aarusacdors. ~, ~. ~~.: ' . ~-`' t. - Additional Cards: ~:.. " . ~ - You may request adddional rands on your acurtt fa yvursr/} or omers and r yon may peml¢ ancmei person fa naYe ~ ~ ~ Cifd of aLWU(ir namher - 5-. - . . tiowevei, rt You do, yW mus: pay us Iw an ~~~ mane ^Y araz pests, _ P1~'^4 ~'~s fa wn+dt you may not rove imerlded ro tx respenvbie You r . muse notify us ;o revoke penncmen for arty person ycu ?rzvieusfy aumorizro ID usz your aaavrd. M you tetl us ~ revokz anott>G pjrsan's usz of a,r ac~au tt - ~ . y r , we may dose the amum and issue a new aN or ands with a dN`erem aunt rwmder. You are resparnbk tw t1u use ct an cue issixe an your aCaount - - ararrlnq Ia me terms of d5is Mrzement . Membership Fee: - . ~ the and artier ccmainicaq dr and irMicaes rm~a'Rr your aRaum a svo{r~; ~ ~ _ - a memDMSnip ter. H tt s, dx SC i5 added m 7e ?urCtiSe daiarxe and ¢ non- re!undabk unless you notiy us fo anal your ataum wiN;n ?o days from the - ~ _ malinq ~ of the niitinq sGtimerd an which ,.c .e-_ is dilleC. - . ~. _._ d r,. t;= ~ ' ' ' •.: Ymrc dWnq mlmnent stows ule llatafax am/ tidalKe wrqu, tea. Vla mitfifnum ~ - ..: ;: .. ~ .~ ,"'~ payment atq 1Ae paymtslt doe doe- Il elm snows your wrrmt t:rMd lino and . .' •.s=~.. • . . a5tt adrsnea unit sn iternhsd 9si of tattraM Wtglxi GiOWnk dnerxs, payments , - _ '~ and tt[dls: a sumnnry shewlnQ st~aratdy Ine purcnnse aatd Cash atrianc ` • ~ 1>afanres, and 6natks charges assessed on eaCi ttalarse: and ottlV impartartt ' • • intormacon- II you delatttt under pus Apreamenl, we may, in our sale disttetian, '~:"~ ~ _ sip0 Sendutp yoq hiltaQ statements d we deem your arsroum uhtalledn211e or r ire r;:.: ~' irt5ti0tte deinpuency coAecdan prottadinps oy sanding a ~~ , ~ ;uts~de capectian 'r ':.: aperrcy or attorney tar cdpecion. .. Yau must no61y us of a c1fa++ge in your address by comacnnp Castomu Sarvim - iry t¢kpAdne ac mats. We will maA ar deliver the 6ipinp sut¢mem to only ana ~ . rmapnp aodrrss. - - How Ne Defermine the Balance: the tool aitstandup ndtirlta (!he amount you owq tor) appears as Ure "New . - 9:gna' on am 11th stafemertc To detetmine tta 11ew Balance Jye Degul rripl - . - ~ . px a+tsrarttlinp ttdlattce ~q yatrat~apt at pro Dtpinnkq 6(.ea~jJGng P?ifad, , . . ':_.., - aced dK'Prevaus Babncx' on px DTinq sratemetu. We'add arty potttlasa. - .. ~ '' and astl adrinca and'supaau am pdytt~ttts agd GaditS t$atz)e iateN4. we ~ ~ .. ~ - - . ` rnen add pie aporoDriaiE futatia dtatpes aM tees and,maSY other app6nble _ ~ - ~ . aQusunerRs_ ~ ~ .. . _ _ Annual Perrxntage Rafe for Purchases: , - - . ~ - Ydrr annrd percentage rata irx pttrclases and the wrrespandlnq daffy Derr _. ~ rzte appear on me aril arriet A dairy periodic r:tt is the appGcaok armtsal . . - -- perccrGpe raft divided b'y 365. Wtmne+ a not the arutual pacerxage roe tar .. ~ ~ purcnases a ouzd an ilia US, Prune,Rap pWS a margin k indieatad on the aril .. - . ~ ~ ~ ... ~. ;,, attic. Puss SG Vk SeCirn entitled'"Ya{iaple Annual Percamage Parrs 70r _ . PurCtars atw Cash Advanr~s" ror'dt'ads acting to Aow this rata may rhanpe. , -. ~ ~' ~nnual Percentage Rata for Cash A,dvanc2s: . - - Y6uc AMMt17LL P£RCENUGE RATE to ash advanCS is ] 9.99X, vrhictt cortE- ' sponds to a daffy periods rate of 0.>ir4BX. The daily periods raa is dfe as11 , . - adt2tfce annual percentage rate Hvided a/ 365. Ptrau sae tfx secdan entitled - ~ Varianle Annual Prm_ntage Pates !a Purcnaset and Casn Advances' for decals ~ettinq ro new tris ru may thanga, indudmq'd yov default under arty Citibank - Card Agrttment - . VariablQ Annual Percentage Rates for Purchases and Cash Advances: ..- ~~ tf ilia annual penzntags rare (or purc:ases is Dosed on the U.S. Prime f~tt plus a , - margin, we mll G>lcalate the ;ate by adrlirq Ne nurgin mat appears on the aril - tuner to dm Prime Pate publisned ;n The Watl Street borne! cn me last ouaness - ~ day of eaCt mortN. I(morz titan one Prime Pate ¢ pubc~slved, we Huy choose die . higtxst rue, tt The Wall Street Jcumal oases puafx;,rion Oi 1o puhlisn ilia Prime Rate, we mry use rte Prirrx Rata~udfr<1x7 in airy other rxwspapsr of penerd drwtadm, ar we may SubStitule a Similar relerrnca rats u our sde d'rszraLon, ~. -~ Each time fns annual psnzntage rate charges, we wd! apply it to arty existing Wlan¢s, wbjec; to arty promotional r-te that tray appy. In adtliRan, are annual percanGpe r^^ip (or purtnasas and ash adrancu may ~' ~~ nary tl you default urdef arty Cuibank Card Agreement because you fail to make a paymerrc ~ u3 Or 7ny Cdtef Gedltar wften due, you eu:::d yDU( G[edlC tit1Q, 4r yUU nuke a payment W us tnat is nos honored by your bank In web arcumstances, we may inerase die ANNUAL PERCeYiA6E RA7E (txludinq arty pramotiarW rata) on atl nafartces to a nigher rate of uD to 1459X plus the Prime Hate. The 2 .a.. • VVVy -- .. naLtmll/l NplYr i7ll.Wflpltl)im eQacappats Oa tM Citp t7rail~Fa(Saf3 O • ~tMiderao ~ d~eratiniaq ~,~pMt fUt any Aldude doe lergm d Ume iM 3- • afL0UlKpatbela Opal. tae <Q64rKe.sRiodSntSS, ind7iminp d CiUDanX Card . • _ ' :~ ` ~ ` kreetndat dehWt& ul'a aalu'uMia0'dra at iitoiint usipe and performance. ' • ,• Yore accaaat miy ipalo tremne eUpDh to i Iowa amual paanaape rate do . • near paG~SlS, new esn advindet a Dodl atbx you here arct the terms d all ~ ' • - Gbbadc prd ApreaneMC for sic momhs. Your eAS6np bounces wdl remain . suojea t0 the hgi+a rasa offal ttlry arc paid in tuY. ' . .. ' My incease dr tlncrost in a wrlible annual peraruage rate mkas'eflecCan ate ' . rust day Ot ak tulUnp period directly toeawinq doe month in which we calCtdak • the rue.llte amual petcenlape rate Vl erteu and am subsequeta changes m it • wdl appear an dte t>afkp siatertknt An increase in the variable annual penxrrage rate nannsypu wid pay a Aigha fuwrce cAarpe and perhaps a higher minimum. - • payrtrnt. -, Promaticnai Aate Offers: - At our desaetion, we may offer you a promotional annual Dercenrage rate for aA __ ar a part d tlae parttnase andla cash adnna Daur~s The period of Date tai • ~ - - - . . - which doe proma0onal rate appfig rmy oe limited.?m pranoaonaf rate, the. ~:y . ' - cortesporrdnp periodic atei, and the period d time during wftich it is id ef(ta will ' appear an the and arriac We may alsn after you a Dromd6onal annual penxmage `" ~ ' rate m encourage specific tnrmaians, stmt as transferring oafancas from ' ' ti; . .. ~ ataxwas you hive wan adaers. N+Y pmmotior>a! rate after will be subject m the r{ -, - - terrrus dthe Ofla Ind 1htS AprM.ment. -- - . - FinanCr: Charges: ~~ ` , ~' Frenc cflatpes *iil Ixgln m darua from me dam d me transac5on tar Du+c'ases . ,' ~ _ ~`' Ind. co®nuem artrtae enrol 'tr in fu- a cred;tM to payer. your acaurt~ Notever, d you Wid the total New 0a3altaJ'r~d on dte tact d~tB sraremerrt try tnz .. .. ,. : " ~ payrttmt due Qaae do thalsulCirrrC it arty, you wdl love until the paymda drx . . ~'- - ' ~ ~ - ' ~ ~ dtFe do yeur Grtem s>aQrtterrt t0 pay yotx:ux~ New 8alanw eo avoid imposiCOn . ~'.. ~. ' d frronce dnrges on paachastz.Fa cash advatru and oalance trartstars, finance ey _ . chargee wa 1>egln t0 amVe frdfn the date d1ne trmsac an and cdndnue to aanre urmi Daymem P taA iS edited IO yOUr arm- anc ; '. - .- we wra aladue fimrxx charges as.idlowz .. ~ ~ ^ We fquR a portion d dte ~fuartC ciGrge on your adcoun[ oy multipfymq ~~ ~ try defy tnurrce for purchases and dx darly galena tar cash advancs by ate - Wny period's rate and adanq togettrer arty such tinande Grarges to Durctmss and separlely :ddirtq togeNer arty sudf finance charges la cash . _ :avarrls far each day m du ~nq period. ~. ^ frn fawn charge dcutr'uon purposes. the helir.G _.:..;,c xgins on tiK aay " aner dr SYatnrix»tR:asrtq Data d itx previous ouLng penoC and varies ,with m¢ . ~ ~ number d days in the CiLnq period, n incudes dte SlatemerrvClminq Oa¢ al [ne - _ arrmi G~tnq period. - - 7 To aleutie the dairy dalarru, we eke d`a 6eginninq oalanrs for purchases :rid vre txgavunq Defence far .:>sn advances each day, add any new [rar~cdons, lets. and airy finance Uurge on ma Devious day's Delano, subtract arty payments - - _ - a cr2~, Md male oVef Ml~usrrw~. UNess we eICC: td use a later date, we - - - add a new DurCtasa to ttx purc'xse balan¢ as d the dare of vre pun~+ax and , . . . a nr. cash advance to dm cash advance I>alarxa on the doe of the advar>~. _ _- A. C7KR potence 5 Re71sd aT a ba}dnde Ot IPrd. ~ ' . ~ . .. ~ . - .~ ~ ~ ~ itr hafartcss suDjea as Urerra rh:rge fdr DurGhaSes and for cash advanr~ on _ dfe bSnq SiaD'ment art eaG1 dte average of me rtspaave dairy Defences during - . dte ~^9 period. tt yw muttipry tt~z fpurvs by dtt number d1 days in the billing ' ~ - period aM try dre apptiable daily pericdic rates, the n~vhs will be Ne periodK - rate fmnce c3wrges assessed, tseept for minor rriations ausad by round~nq. a II ^ tt the baalntdc I7~ .; *• ~•~ on. rats (!or ~ tar use aavaces is suojeu m mart maa i,(I ;'-,' ' _' •:'.~..^•. `Zt D~mo~OrNl raLl Ollfi}, At R$ Scyapp~ ~rn CYufee~wh ai~aacIl ip ~-'F ...::, :~- 6iHatent il{t anC M rmliiop ppyRq ~~. v~ 011 sirfie manna.73f de3Ctibed -- - -..r.: above. - -' • - • ~--_ .' Transaction Fee for i3alance Transfers: -~ ' <- _. ~ :,: ; , •• ~~y oocdned s oapnca cr~nsta d l'p1 trunier a ozfana from any Omer _ by meant ad11r 1t11o a Cnibaltll enecf; orypa obtiift funds mrtnrph ~ . ...- 8atanix Transfer cheoSL 7o each Galante p~n5tet ye add an additionaS FlW4}tCf . . `. ~"'• ?' CAAflGF of 3.f)X- of the Ghfut I' j. •:.' - _- transrer, but na las man SS a mare than SZ9. k • -.__ _ - This ftt will tx added m me purchase Datrnce Tile balanrx transftr ttansacddn - . _ : " ~ ^^fe.'.ey~.~m~~ay'aursa the«:ynnual Perc~'rca0e nta an me Dda11p statement an whkh file ~ .'y .- : ~ :'J' -~ ~K! trarl~er tnx _ - aPP~ to eked th1 nomoyl annual peruntape rate. ~'~ ~ J '' ' Transaction Fee for Cash Advances. '-• ; .: ~ ~ ~ ~ You have obniaed a atd aamc d madline {ATM}; Nrdupn a Citibank ~ ~nm fr11d5 born an autamaud ieflef `. `~:: _ ~ e~ dlydogC name banldnq, or mrougn a ..._' • ~ - _ Wnda( inrrimnart: mJa s +rire transfer, aquiR a mo+xy oNer, 1nvr~ri efledC i ", ' ~~-' ~Y IiC~ beiGnq or ¢yjrlp clip, m sirtuhr irerR or enQape in anodler 5lmilar - - narasaa~oa For urh ash adrarlds, we add an adGmdml FittA)!C C13AftGF of ' ~ ~ 3.CX a Ne advance, but not kss man SS_ Tnit (a wd! be added to the cash ' -. - _ ~ T~1 balanca_ (The anw11°t a! the casn adraree may in 'ude a surenarge mat . owner impotes.J The cash adrne transaoon foe Wray case d1e annual C ~ rte on the bu3nq 5>7tement on whirl ale nsn ;.drana fim :.pprars _ - mminu arvtq! partxnL'pc ,;,z ' '. __ _,' - ,ilinlmum Finance Charge: . : ~:-:.~ ~ `~ ~ ~_' ~ lr firlarrz cR~s~ryge, basal on periodic rtes z2 Dcoq aNed m your acovrlt bra ...~ _ - _ ~: the total Of SL4I RJIafiCL ~et fIX W IGTS.S arld tl5r1 aavartrss IS iG3S Olen . >' _~_ - -- -' -;i i i'.A, wt assess a mcdlrlum FlNAHCf C}iAAGE beet on . : ~: >'- We add dle amount to the purchase b:un~,.;a1{ety d1a fx1a rtes. o! 5.50. ..:.-.... _ rtur4a applicaae .- - vu~~' 1~aze Catancz a mrc. in «r,~cn ~e »e ydd LAe amount :0 the cash - '_ - _ Credit Balance: .. -. You Wray riot :11aRrGln 2 UD&i W Wix on }VVI add^J.rrij in ez¢as Qf your a=signed . ~ Cnd4 rl1e. We ~ rEtrlrri Id yip] any Crtdn umourrt CVP1 $1.~ ,{ mL anI W r1I h3S . - . been on your a~vru ~1 pun N2° mw~s, Ydu nay n:'.j<.'ESt a refund o£ a .. ~ .. - - \, , urwurr[ ~ ~ -f 1~''rie may rduo ~:x :maunr of airy c:rJit Da>ance by 71e _ c'ur-es' 0711ed Io your ;~unL _ =:%~ Transactions Made in Foreign Currencies: - - tt a tranrr",~'cn is rruCi in a fors;gn cortenc xe and Yrs'. Imer: Gtional or >' /. MasarCard Immat;orcl, depuidir>Q en v<nicn aru c uscd, m71 comer[ tr'z _ - ~ ~ ~ h"~n into a U.S. dollar amdt:nL 'rte ar.C !dara•rQrd roil as in a~rdance _ _' ~ ~ wrm their opera6n9 rtQutpdres or grversinn prOdvres id eifG at C1e [lrle rho ,- trarL,acidn a vr. Curz'rrOy, tha+r requla,ior~s and proGdurzs provide Ctat . - the arrency grnersion rare Nzy use is eaXr {lj a >ynoledak marlc~ raa or {2J a - .. pd'+ernrrent-marldated . e ir, eireG one Cay ;rior W ~e Frciazsing date. Bom - - Voa acid MassrCard manse Otis gnversidn ~ a.e one i~~ ~ Ore gnversion race vrwided ~ us bye4fisa err Ma e rArd by - rwo perecp and keep fns inceasa The wrenrj grlversion rye cakutat~ in OVs -- ~ - - manner d>a is in !!teC on the ptcctssinp C<,a may „~tfer'ram Cie rate in effect do the transaddcn a.-e or tl>a GosBnQ dare } .Y iit _ 3. - .~ 1 j' _ r.. . r ~` ,~~a :: ,• _,, , _: ' ~~~~ Mlnimvm Amount Due: _ r. ,•: ,. . _ . .,~ - - `'+~ , ^:c East marmt you must pry a miaceum inadunt tlgt a dre tarot of two figures. TTIe } U G i . • ~-;: ' , ru s arty mevious aararirw t>at is pttt due plus ~• ~ . ury amaum in e~cus of your Credd lor T :_ _ . " , e. 1le secarrd it dse ptmter of the amoum at your billed finance Wrpes ~ ' a one W t118 lo9oarirra ~ . ._. 'eyi . • 1 TtK New 9ahna m the dV c ' . atp rt [ is kss ttnn SZO w _ • . • . • „~, ~ '- ~ . ^ 520, it ttre New 8ehrrce k u kirt SY0 and lmt greater than 5~0 or ' < . - . _-;. ~ , ^ h the New 8atarrce mdxeds 5960.1149 0(ttae New Batittce (rounded down to ~ . ' the nprest doAiQ. _ i r :.• .;,: '. ' - - - •~ You must pay at least the minimum amount by the payment due date, but you ~ r " • _ ~~~ .. ~: :~ : ~ =' ~Y PaY mace u arty tints wiClaut i pemgy. We w91 allrrczte payrrrrt6 to atrlnunis owed On your aaoawn b oa daatation, This includes, Dut is not Gmiad to ~ ~ ~. ~. ~' , %::' " , aaoMno P>Yrrterds 10 promotional hatiri~, srrrlt as tulatsas you aDiain by using ~ - - li - :..., • : BaWnce irinster uaecfa, Dekre we apply such paymems ra your other purchase i . .. ~ , .:.: ar [ash advanis Datancas. It yaupay more than the minimum, we anti allocate me ~~ ~ ~' . . , Batts amwm to du Purr,Yrase a ash athante Daratice a our d"acretion. Tire ' -- .. sooner you pay the twos 9alanC, gas Ices you wrll pry in fuwrce Charges. We may also allow yw to skip a payrnarc If we da, ae will nority you. h you ctroose to ._ -- slue a piyrnaat when aNued, xt wdl Corninue to assess faianct charges. ....- ~ ~- Instnrctiort5 far malorp payments arc on your Oiling staament Do hat sand ra4r . . ... .. Paynaenfs. We ran attxpt I;u or ParRal payyneas, as well as paynrnts that raflea - . .. .. Paid in 1W' or aa+er rrsuic5ve endasemenu, a+mout lasiM arty of our ri9nis r. ~ . - _ _ uMer ttks Apretaaeru. TDere may De ; dNjy d up to five oays in ut:Gdng a • wm>em d a S retaed at 3n :ddriss omen ttsan tfk address crmndea on au - - ~ ~~ Dieing 5lafertatN a ~ the wYr~nt is nai made is accoraa~~:-r n~an arty of our ~ ~ .. ~ ~ ~ otDavritreccorrs. You agree ro pay us in U.S. dollars dpwn on twos on deposit ~. _-. ~ . _ in me Urrimo Slates umg a wYmett-clew, simaar irrstnmrem, or auromaric ~ _ r . ~ dWd flat wril be proassad arM Darmted try yea Dank. We reserve Na dgM to ~ - . . ' ' . actxpt Dayrrenu nude m taraign c:ursrrr• d re da, wa will szxd the etfeatne 8 rrtncy curversion rat M ~ i ` - . - - _ _ p our Oisc7tirn and cndit your aaaunt in U.S. dollars. :: ' _ _ ' ... _ _ Over-the-Credit-Line Fee: - We wrL dd $i9 f o ~ r ~ ~ _ a a ee t [ne purclx:a aafanra tar eae1. hi7Gng period teat Cte New - ~ - ~- . - - - ~ - Aalanra earrtds your Qzff¢.iine .~. . _~ _ z Lata Fed: , ~ , =~ - - We wel add a S^9c, fee to tlu purciax balance for each tuamg period You tat to • ~ - ~ . - - ,; make tpe mfnbnum payrrrerrt bi its due date. Returned Payrnerrt Fee: f We x711 add a f24 ftt to Ne purchase ham ahtn a paymen[ ctte:x or ~ . i ~ ~ ~. ~ - . . snn r ~ _- rWritarftiR fs hat Donored, ,men we must rewrn n DecausE a C:nnot : ~ .. -_ ' -fir De Processed a when an avtomatc deDa is returned unpa(d. At our oPGon, we i.- . . r - _ - will assess th¢ IG ttk first fine our or ~ - Y payment is not honors,. ^ven ' ~ '~ ` , - it q is ncnorzd upon ruutxni~an. ; . - _ -. - Citibank Cherlcs: ~ , r.. =.. . - . Crtihank checks may be use ro purchase goods and strvicu or ro o0lain ca<h up ~ ~"= ro me amoum of your avadaNa ~n au'tanc emir unless that amount wiG cause y.. me balance ro extced your utdtt ins. Wt «ill Veat Citibank cherSS as a cdvh >` advance and rJwge them agalrst ya,r ash advance omit oath Gdbank check - must be in the loan v.e have issud and must be used according to arty - irl5tru[Lions we give you. Cn;Dank ~1C,53 may he used-only b'1 the person whose e ~, `' ' mate is ptBaep oa tltlm. •• . . ; Co~tk'nkcfs ttrair note used m tnr ah amount •. .Y : Otwd m IQ aaderlJACOf attY gflkf ~r C dA ~ ~" ~ ' : t °: ~ u Qteemeat We rtA oat terrify 9tY ~arMc dted4 nor tnti re reatrn pak C1oDadc a,ed~ . = : ~< ~ ~ i ' Balance Transfer CJteclcs: . ~`iy - ~ ' ' !13ahrca Trattsier duce tttay De used to uaasrer ankh from tt _ ~ ' ~` . • ' a ters or to oegin rurtds up ro ate amaum of your aru7aEk aed'a Lne Earn dance Transfer , ? _ "• , durrf tattst Oe to d>e farm we have ~ an0 must be used atcadng to arty n i - .. suteet au m give yoa. Rebore Toasts dteda Y ; , . arrwum mvM to us under thls dr arty atlter CitiCank Qrd Agreement We vn I . ~~ any Balance Transrer dted¢, nor w~l we return paid 13anrYe Transfer ' `:~ i ~Reiurned•Ciffbank Check Fee: ` _ ' 'We wd1 add a SZ9 rce to the asn advance Dalattc d we define ro honor a . • y `_ •: ~ '_ ~ :Cdiltank dteck. We may decLne ro nano surn dteda ii, (a eaampk, me amount d ate dkclc would nose the peaces m euzed your rash d W i . . . .'. j a vance n [ or Qeda Stfe, d Yoe default. if you dd not rornpiy wdh our nutruaior di m _ :,. -~ n regar ng e CheriL y your account has tceen dosed. a fi the nrd has mpired . ' -"-,:.':~ ~ _` ~ . Stop Payment Fee: - ' ~ ~ . •~ 'f : = „- ~ . We w~ add a S?9 tee to the cash advartce 6atzGnro wfxn Clterx s stopped rt your roouasL You may stop OaYatertt d a Ci6banlc -_ . . _ . ,. ,f ~ ~ nottTyirp us in writing at P.t7. Bara~O SiasfaBS ~ i)akca 57111rn7co ~ _ . `-a ' , rs16n4 as at Vm tekpnale nsneer estea on the ~tg srart~t. d you call yvu - ~ . , ~; ~ -. : . must crnhrm the ad In writing w~dti 14 days. A wdtun step payment order will ' - ~ . •'. -: ;. _ ~: ~ remain in effeG to sac rtmrxtrs unksc tt rn >Mritit~ - . ' ' . _ '' ~ ' __ ~ tkio a charge is maQe Nrough 1M use of Ne Gm of arnoutx nurn4er we poop! ~~P DaymenC on the c" ' : . ~ ~ - . ,. ~ dispute jpypMrrg a ~Pe on your ' -. _;~~ -..-.:-:- aG+ rl)rrl. Dlease IEte1 TD 8 3iL'IOII emlded ~Mlrt:,'e:OO d ~7P.re'S An Error In Ydur BT. ' _ `,`~ = . Lost or Stolen Cards, Accaunf Numbers or ~ % - ' - , Cftfbank and Ba/anceTransfex Checks: ~ .= _ . 3 ~ = ': ~ NY °rti, aaamtpumoer a cnerY is ~10s'! a Stolen a Y you dt.Yc sdmeane , . - _ -= - T~ ustd a may use them wdhout your permission, ewtliy us at once try alinq the bleDncne number shown on the bd6tp satemeru or in n d b i = . . _ s um er o b ntd b/ ceding tnu-frse or Ixd Oirrtory Assistance. We ~y rgare you to provide - _ - - • arta6r MorrrtaDOn in wridrp m hap us find out xtst fnpper>ea, and to comply i ' = - ~ . _ .=- tr m soar procedurts as we may require in wru>eCion rid! our InresSgatioa Oon'1 use the card. accaun[ number or any cher ~ att e _ ~ ~ ~ . , , ar w re besa wed, even ~ they art found a rt:wmd. You may he 6bk tnr urnuthomsd use of ~ "_ _ _ -~r Ne acnuu~ Dot oat to more don $Stl YOU wont be Gable for uruWhor¢ed ' ~-' ~~ ~ _ ~:.~`~ purclzses a cash awances made dmr we`re peen nc4i~t of dx tau a me ~t haweeer, yov must identify'or us the cha7ya= on ttz Oa6rp S6temedt loaf _ _ - , - __ y weiz oar made bf yoa, or someorx aumorized a/ you, and Irom wnien you ~ ~ - ~:- ''"I Default: _~ - - Yau detaurt under this Agreement it you tail to pay Uu minimum-payment listed - ; nn each eating statemem wnen due, tad to makt a Dayment D arty other cre~rtar «nen due. file fa banktuprcj e>rxed your credit lin d' ~"' ' - ~ i ~ . e, Day 1 a cAak or similar insiruinent thaI is nd hamrW o<tftat we must relrm ?~~e rt arvwt ee + _ ~. . - . ~ . i Orectssed, pay dy auranatic de:^,u that 6 re•.umed unpaid, a daiaull do any dtner Citibank Card Agrtnrttem" II you drfaull rte may Lose our accoum and d . r 4 , y emand ~mmediaa paymem of the lull Galante. - I r :•_. . -• ` -_::~ P-eat>Jlharized.Ctlatgas: ., , _ ~~::.:~.~, -. _:.~ ttYauMhwC~iUraNitlastamden.arweWngsyauryeourKaaaaurK ~ . r ; ; rr. s .. •;.'. •.. -: _ • ~ • ~ npmbertararry reuon re tttry sprpeeq auumtatle aWrges a0 toot aaatmt , , , to ta64-yuiy,aWOrs (or 4tsuraic preruums Or oC>er paod3 a serviosi It ' , prauogtite0 aR St~gerbed, YW must wrtGrt the tltird-perry vendor w' ' _ .. , rtirtsppe ttwn. YOU are resport~le far maldtlg diced paymem fa suds dtarges . Urlbl Yap tdrrtQte tutptnatlG CttatgtS. ' ~ Coilecbcn M~rJiJ. . - - n we refer coeectiart d your aaauet to a lawyer who is not avr salaried empbyee, , - you wit De 601e fa arty reasortabte attameyY tees are loot, plus the cosy and ' ` . expefues at airy legal aedon, to the todrnt permitted by trw. " . :': ~'_ ; .r Customer Privacy: . - " -~ ~ _- '' ' W! wdl safegrurd, axadutg to solo standards bt uCLrrm, ;-.: snhdtrtbaliry, amy ~. i ~ :'_ _~:' . ,_;_. - irdamtadOrt You snare widl us. We w~Y runic the coltecimn ana ;az of aM such .- _ `~ intornta6oti to the mrimam we rtqu4t in ordu to detrver you supcritlr service __ " , Mtiofl irplde3lQVEtflq you about our prnauas, services, am other opporwnities, _ _ _..-;~: and to admvister our t>tairuss- Wt mil pertnil only autnaciZed emQWyeas, wfw - - "" are trained in dte pmper handGtp of wstomer irdbtmation, to bave.xtfrs to your '~ ~ : ~~ ' :' n ~. _ inlomtatlon. Whenever ere hire other oryatt®DOas tp provide support; strvlces. we ;+ • . ; ` " ~ = > - _ = ; ~.- r' }~: wdl roan to mn(arm to oar nvac p " !standards and to atkr us to audit ~ ~-, : ~, ~ _ ~, ~ ~- ~ We >Nll ahvlys mairitrin cbtttm7 Drat the cuifidentia6ty o! your fnfprnsitlori. We . _ , ~ . _+ . '++~ Aoweyer, hNN&~n rebvant marlmcrq :nd promodarul oftu5 trOrtt rEpotaOk ~~- -` -; - . V!_ _ ~ ?~ camgaties ttmt meet your needs. Tlxse companies are not permined to twain - ',Y, ^~ri~:r. ~ lrty Of year hIt011naalOn unde5r yea hour 5p O(pfBSRd intErri7 !1 tnelr f%r''.~ .. ~ _ . _ ,, ! produCS a secular N you do not xam to recant ttrae otltrs. trria a cad us at T : - • • ~ : ; '' a ttx address a aelepbone ntentxr an the bl~inq sratrmu2 & sure to induce - ~, - - ~ - " ~ ytntr natn, adorers. ward aa0unt ttoinba. We wt~ remind you at >ast art txn ~ .. r ' - ' ~ :.. .: - -, " : ; ~ of Maur rigid to Ee esdUded iron west o&:s ~ - 1 ? 5 may capon your pertamtanw underdas Aprr_rrent to utdtl repororq ` aqu+ces, rrt~rr&~ your tatlrre to rtula mnimum payments on time. n you request adaiuanat Crds oa your ~:aut¢ tar omta- yvu understand tt+:t we may - _ _ - _- -- -.~~"~ repot aunt IMormaaon in your rsame u weH as in the rwrzs of thost otfnr ' ~ . pecpe. Me tnay also chain fofVCw-un credh ttpores on you (tu eanple, worn - -_~,~• we anew your aadvra to a C:e@t ne inceast). If you wish to know me names -_ _ - _ - of 1M agdrdes we tore ConL7Cd, writt us at ine oddreSS Gsred on the Wlinq - . - - ~ = statemet~ We wd try ~ notify you by telephone ar by mail of acry ~gaf process - '--~: S71Vtd on as in b(tler>D give yba an opportunity ;0 OajtC IO [l, uNr•<S the law .. PrtNUDits rile narks. _ E~qt as set forth in tt~s Agr~ment and utep: far reports to credit riportinq - . _ _ apuiaa, inbanadon ws are fJermintd rn snare wiin our affilatu. and information . ~ _ we snarl in cOnrte~an widl aauecien o} yar account, no one else will be given - - ~ - irdbrmadon about yow aaaum •+nttwut your knowledge, aumor¢anon or proper - . _ c - legal autlwrity. _ -~ - Sharing Customer information Amono ~ ~ -{~ Our Affiliates: _ _ -_ - To alert you to specal offers and provide ycu ~.vitn products and suvirxs mat - '- are dared sxrf,' fly in you, our dates stwi information about yrou bn a ~ ~ - - --` -_`.:~-r canfidentiatlttsis. ~ - .. - Our affiliates art pertniGd bl law ;o snare airy information about their trans- - _ ~ - actiau a ezperienGS win+y0u. Cuxr imormation you provide to uz Or th7t we - , obBin horn third partia (for eramgle, wz:it bureaus) wilt not be stored it you _ ~ ., i - - ~.~~~ .. :~ . _ ..- ..... ~uua . _ . ~ n7~t~' u211Ht IQO 00 IIOl1gIII Adt YRanWian SIygO irllaq OtP T-. • • • ~>u <~~,,. Yau rtuY [~M us in wtllGp d yourinstrucoon at argr tfoN. Plane spq yaq -`: ~ ~. aozum tSrDrl at:couru wimOt:aod S~agl' Sxar[IYv to C~p~onC~ ~ • ' ~:^~ Cemer az CM 3778. SauN tta~ N107606. Nre asu tnu you madam . -- ~~ ~ ~ ~:_~~ II Yonst<uaial i~ a stamped etrwbDe tlpt doss na urdude yy OdW' ~• ?'. . - ,, w. ~ ~ told us tAat you do na want strgil other ulfomradon - - '_ ~,: your insrruoSgn nmaitrs in qr~ You do na need m ~~' -- , , -- rrtuify us again: • _ -F : n you are also a arstonler of atnv Cltigroup companies (such as Cantmerpar . --..-..~ credit, rraverers a • - .::>-.~ '. { ~~' ea~wty, Travelers Ufa d Mnuiry, Salomon $rrlidt Y.S- • t3arney and Pornrn~ Frpnccl Serticn) an0 you rxave a notia or their i[f~nt to . . `•';~ godly them ;l inrar~ rion aLout you with their at~iiues. you will and m saparataly .~ s '.... ~ Ya wantsudt ifdnrntallpn Shared. _ ~ --. ; ~L , Telephone Monitoring and Recording; ~ ' - t-_':_ ~,-. ' ~ From time to tin we Tay monitor and record you tdephox calls regarding Your • _ ..~.-. _ ~ atoaunt with us to assure Tne gU711ty d our service, 1 -• ....~, _ _ -- :"~ Correcting Your Cr+:r1h Report' r.; ,. - i I1 you ttlinh we reyurtsd errtateotrs imarrtatlon to a ueMt n~ordnq agenry, write j-: '- ." •~. •' ~ ~ ~ ,.-, >:~ '-~ ~ - us at ore address laced on the ~ - ...__~~Y-- A PtlY l[[[!esdgatz cite _ ` matter and d our' ~ staterrtmu. we.,3 tom r- :.. - i •' - ~-^~ M eponed arm wdl~M. xa wet canna each aed3 `~ %:, - ` ' - . RParorq agerxy m whom we r request they terrace the r :~`.4; tl we dl~grea wNt you after our Intzsdgatiat we tno td you in writing or bey ~ ~ ~' `~ - - _ -=~_'~ [~Dhone and insvuC You hot m snlann a sruement or your posilioo to Nose ~`.~-~ ~~ ~ - .. -~ , ~ . -, i ,-_ agencies. Your smenrem wgl becane a par! of your aa& ward wvh Nero ~,_': - _:` : ~ Closing your AcpufrL- r1 -~ ~,":-~-r`y - ~ ~ kr aL'7{. 1I1r aL-app-mE ~y IHIII(ying US 111 wlifIIlg. 110WCV8r, yW~~..:~- PaY om oamna at~r7mq to dte terms ar Nis ~tgnaenteM ~•'i We may 'cost your attttrm ar -.~ ~-- ~. a :. ~ . ~Derid your arzaunt Doges at any timetor . _ ~ tt arty reasdrt •ittw+a Door natsr_ 4Ye my aao reissue a ~dferem ~, a¢aum' -__ rwmher, or d'dferent celecks at arty time You must rehnn the Ord dr the checfs ~ ^^;~ - =_y = to us upon rayuesi :.; : ~~ ; ~': ,. ' ; - ='•a:":.~ Refuse/ of .t the Card: t._"-' _ '-: ~_'; ~_=~ - a We are trot re-tiyons;ok if a tr>~~ion on your arz~um a not agD[ove4 einur ~'~~ .~ ~ . . - .:__?> --:_~<: - us ar Uy a mirtl pR7! even it you lave surllaem trndd avaiiabk. Wa ~ ' -°~- ~~ _: •'S`~- number of transmons wriiCt may t>e apgrotiad in One dy. h we deteU Unusual .r^ •, . ''~_~`;;\ :; al SIRpiCCUS 3Civrty do YWf aC^anri~ we fh tam L ~, '-~ '~ _ ~ "Y D~+[1Y s[+sce~ Your aedd ~ ~;,.:.- 4r-. Dnvde9es until we an verify [Ix arJvitY. We nay apptore trar[racvons rnc~el ~, ,~_~ east the Wt,nca to eu„°ed your credit fine vdNat waiving airy o! our rigRts ~ ~ ., under this Adr~ment. ~, - , :_ ~`~ Changing this Agreement: We can Lange mis Agrermen~ inc;utlir:g as lets and Ih a::,uai oercu[tage rate, _ ` 1 a[ arty time. We an also atltl ar oek;e provisions rr)atmq m your arsoum and to i' ~. .,~~ me nature. extent, and crdac°mz~t of V[e rights and nhfigadnns you or we nay - J~ have nY,ting In mrs Agreement N.owever, d Ina u'atige rut Ouse a (ee, rate ar ~,. miromum paymuit ro inctpast, Ne unit :had -~ Ym Coen aorta at halt 15 days ~ .~~ Defoe n>e beginning of ux biainq xriod m vrtrich die rA"ange 6twmes etfecbve. ~~ .. ~~ H You do not agar tome change. you must natiiy us fn xrrorry w[dtln 2: days ~ ^~- `. . - ,r after me etlcm date of the change arm pay us Ne ta~nee, edher a orxz ~ . _ a under me inns o(1he unchanged AgreemerrC OfJYnvise, the change in the "~ - ~~ . moo is binding nn you. Unle=, we neGFj }vu oNerwiz. asa of tAe Ord attar the ~"-° - - +_' ~,~: ~~- ~ede^...ive dart or me dtanga strut! tk Corned acttprana of the new terms, even - ~` ~ d the 25 days nave mt e>yrred. _ - _ =~ x e tt~ - r _ ~ ,,~, _, _< /i Y ~. `l1 Y ~~-' / ~ 'v TJ: _ ~...:. ~~r+erng mis Agree7rieritr• ~ ~= ' • We an dWT i7 Mfortirp ar ty7 to enlace 711Jr m out npnts under Una Agramertt ~; . ••~ wrdwt losrnp nwn. ,• -- .~ '~. = ' ~ _ Assignment: `~;,' ~ ~ ' r; ' ~ . - ~ .. ~ ~ ~ P~ n any of 7110! our dOMS and oeGpatidns under tNS .' Applicable Law: ~t ^.~~.; . ,..~. - - T>x+ tmtn Ind etddreemalt d tt>is Apreemetd shatl be pavented by }edenl Izw S»»'' -;. r. ' . , .. and the tar d Sdua Da1a4 where we ua bc7oad. I"";•• , For Further /nfarmatlon: tae us at me :: `0.~ - tdephane number shown on the front a tM Diltinq satemua. You ~`-. ~. ~ • mn also me td•hee ar IoWI 0ueaory ,laispnq m qa our ulepnone norntxr. ,' • ,. : ~ - ,f•-. :• . - Ken Stdrlc Gubanh (SoutA DaJmta), MA 'i}.; r' . - PtesiderA and tF0 Bdx 6000 Wit'--:: r_ ;:.::' ..' .. .. SOUfn 03kDG. SD 57177 ~• r ~-- _ " ®2000 Ct~rdc (Boom Dakon), NA - YYhai To Do tf There's_An Error fn Your Bill Your B!liing Ri9Ms.lCeep 1'h!s Notlcr For Future Use_ notice contains important udormation atxxd your rights and our " responsiL~iuc under the fair Gadh B7ru! AC. ~: Nalily Ur br Rn o! h7ars or t7cGrldns Abort Your 81N. n you IniNC your I>ilGnq s'Ateenem 5 wrong, o<C you nerd more imormaoon atrout ._ a rrmc».ion on your hitting st.-ternent *'rita m us (an a sepafate sneer) a tree address provided vt the Bltinq A~tttt Summary portion on the ^acx of ywr biYmq statemem. Wets la us as soon a posaLk. We most Year from you nd tart man W days otter xe sam you the first hiduiq sGttmem m whiCt the error or prmlem appeared- You can usieptwne us, but doing so x+7I not praerre your rigfus . - In your lever, pve us the tolknvinq infdrvatlon: Your name led ac~um number. _~ - ^ The doear amoum of iM suspac.'ad error. - - 1 Descnbe the error and [)Alain, if you an, wny you (K!ieYe dtue is an urvr. = If you need mere information, d~ihe Ne nem you are na sure aovuc - ~ i Gieasa sign your kvec .. It you have auNoriatd us to pay your eedh and trill aNOmaticalty Irom your - _ _ ~_ savings or Ux?dng attauni, you ~ stop ms payment on arty :mount ycv mink is wrong. io stop me payment you mus till us az lezst Nree business aays beforz rtte autnmavc paymem is schedule td CCrJr, i i' r i , Yaw R!{itr sae daer8sspoarAYrtlstAAJr ^Ie daesGs ybrr ilrrfCarr Mat(a. C7aW py V>!a. WldaVl letoerwidie 70 aslL urtlasa aea tqY~ CdrfaGted Rk diyS, M nfaR arClef G1n[C Coe ertaf ae es0lsiea whY'a! hefiae yoat t stasem.nt was coteect. otter w. ncdre your leasr, ws Cinnat try m cetltea atry amdlnt you aued0an, a report your aar9erra u deGnauem. w. can wndnut m t/df you far Coe amaett Tau gretAioct, irr<tudv~Q fituttet aurae; and we C7117ppy oily uapakf aal0ua(aQajl6f your CRAY IiM. YOU dD nOt f11Y! ID pay airy Wtesdaned atnaanl wfuk wean irnatigadng, Dirt you art still obfgated to pay the pa2t m year Deana ttt7t act not in gorsrian. C we find drat ws made a misake on tcur DRfaq statertteni you wilt nm h.v. w pay arty finance cDirgea tttated m airy quesdorwA amount tt we didnt make a mi5fll¢, you mzy tuvs m pay fitcna cf4r9a. and you wal have m malt up atry missed paynwas an the ques8oned amoam. N alder pee, wt will send you 3 " sTltthrant M dte amatM you owe and the da¢ k is tlut_ C you UA m pay the amount ttut w. mink }ou ore, we may report you as defkpaeal. }iorvevu, d out cxyanation does not satiny you and you writs to us within 10 days teffatq DS Cut you salt rtfas. m pay, we mast tetl anyone wa report yar m mat you luau a quesliaa amuyccr Dl Atd, we must and yal the name and address of anyone m wiewa we repccnd year act~um kdortmtion. yYe must tta anyone we sport you to the dx rmar sus been seined txtween us wtwr rc i5 faaly setskd. - C we don`t fapow ttxst nrkz. we cant coika ere test S50 of rhs puesdaned arnaaat, even i(yaur Drbaq stakmertt xas rmrs~ S/e::af $!r/! ia< l:1tdd t`,allf Prrrdsrez d yW t3SR i prDaeni 11fi V7e rl$kty Lf pmpeny IX S.ClIO'3 Dlai yW ptuuCtaseo wTal a Ctedrl ord. and you Ittve It1G h aOCa t7tUr a7 CGTtC flu pro0kln with the muCant, you may terse-dee riattt na ro pry 7¢ rtrnainr-0 amoum due an dre DropcZy crslrvias. Then are two Hmiccart on mis rant ~ You must have made the purc'¢u in your hence state or, d rrot whhlt7 your trace ~~. witlun 100 titiSes ai your current :ddr.st; and Y The utehas. prig itwsi have seen Hare roan $51 chess Grnittiens da nW appty if we own cr operate the n>PSC1anC or d we Haled you the adrerdsems:u for rht'praperty a serviar. CE~1 acas,~ae ]:. ' t ; t y f T ~.. ~_ . W ~~ VERIFICATION Chris Como is a Manager for Citicorp Credit Services, Inc. The within plaintiff Citibank (South Dakota), N.A. and Citicorp Credit Services, Inc. are both wholly owned subsidiaries of Citigroup and makes this statement on its behalf as to the truthfulness of the facts set forth in the foregoing Complaint subject to the penalties of 18 Pa. C.S. Section 4904, relatja~to~xnsvy.~ falsification to authorities. t ~ ^^ nn~~ ~ r Date: ~~ 1~ , o~Vl1 ~ Name ~~ ~~ Q /V_) l V C (~ ~,..1 L (C<- ~{ ~` '~~- Ct :r ~: :~> n A -s °x~ ",r;, V •.~ ,~ -, ~ _, 1..7 r: ',`, ~``'~~`~ _a -` ~:~ SHERIFF'S RETURN - NOT FOUND t. ~ ~ CASE NO: 2001-05416 P h COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBRRLAND CITIBANK (SOUTH DAKOTA) N A VS VANDER MOLEN DEBORA J R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named defendant, DEFENDANT VANDER MOLEN DEBORA J unable to locate Her in his bailiwick but was COMPLAINT & NOTICE , He therefore returns the the within named DEFENDANT NOT FOUND as to VANDER MOLEN DEBORA J PER POST OFFICE DEFT'S NEW ADDRESS IS PO BOX 35402 BRIGHTON, MA 02135-0007 Sheriff's Costs: So answe >--~ Docketing 18.00 Service 3.25 Not Found 5.00 R ~ Thomas K ine Surcharge 10.00 Sheriff of Cumberland County .00 36.25 OLIN NEIL & HALTRECHT 09/28/2001 Sworn and subscribed to before me this .5 `~ day of (~e~%~. 02 pv A. Dn. e~ l,C i/~eew Pr t onotary OLIN, NEIL & HALTRECHT By: Burton Neil, Esquire Identification No. 11348 26 South Church Street West Chester, PA 19382 610-696-3030 Attorney for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. 701 East 60`" Street North Sioux Falls, SD 57117 Plaintiff v. DEBORA J VANDER MOL$N 58 Biddle Road, Carlisle, PA 17013-9794 _ Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. Ol - ~jy/~o CIVIL ACTION -LAW COMPLAINT 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 (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 claim set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for 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. LAWYER REFERENCE AND INFORMATION SERVICE Cumberland County Bar Assoc. 2 Liberty Avenue Carlisle, PA 17013 Telephone No. 717-249-3166--800-990-9108 • Y 1?1 TIBGfd;~ft~ um3~:nr,afile. 0~"0 t~0~0 ~`'1 E'f;'~ `4~ia?6s?,~ .Y ~. ~~su _ __ _ .... _ ~ ..a_ . _. _ .. ~,. OLIN, NEIL & HALTRECHT By: Burton Neil, Esquire Identification No. 11348 26 South Church Street West Chester, PA 19382 610-696-3030 Attorney for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. 701 East 60°i Street North Sioux Falls, SD 57117 Plaintiff v. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA DEBORA J VANDER MOLEN 58 Biddle Road, Carlisle, PA 17013-9794 Defendant NO. CIVIL ACTION -LAW Complaint 1. The lilaintiff is Citibank (South Dakota) N.A., a business corporation, with place of business located at 701 East 60`^ Street North, Sioux Falls, South Dakota. 2. The defendant is Debora J. Vander Molen, who resides at 58 Biddle Road, Carlisle, Cumberland County, Pennsylvania. At the defendant's request, plaintiff issued the defendant a credit cazd for the defendant's use in making credit purchases and securing cash advances subject to the terms and conditions governing the use of the credit card. Attached hereto, made a part hereof and mazked Exhibit A is a true and correct copy of the terms and conditions. 4. The defendant accepted the credit card and the terms and conditions governing its use for the purchase of goods, merchandise and services and/or for cash advances from vendors who accepted plaintiff's credit card.. In using the credit card, the defendant agreed to comply with the terms and conditions governing its use which included the obligation to pay plaintiff for all charges made in full upon receipt of the statement or in installments subject to monthly finance chazges. 5. The defendant utilized the credit card by making/obtainingpurchasw of goods, merchandise and services and/or cash advances from vendors who accepted the credit card. Monthly statements were sent to the defendant which detailed the charges made to the account including finance charges, late and/or, over limit charges. The balance due for the chazges made by the defendant including any finance charges, late or over limit charges is $9,301.49. 6.. Defendant did not pay the balance due in full upon receipt of the billing statements and failed to make the required minimum monthly payment set forth in the billing statement. As such, _ .. _ ~_ _ _ ,. defendant is in default of the terms and conditions governing the use of the credit card. 7. Although demand has been made by plaintiff upon defendant to pay the sum of $9,301.49, the defendant failed and refused to pay all or any part thereof. 8. Plaintiff alleges it is entitled to recovery of its attorneys fees from defendant pursuant to the terms and conditions governing the account. Plaintiffs counsel is not a salaried employee of Citibank. Plaintiff seeks recovery of attorneys fees in the sum of $1,860.30. Wherefore, plaintiff demands judgment against the defendant in the sum of $9,301.49, attorneys fees in the sum of $1,860.30 and the costs of this action. OLIN, NF~Jk~~~~I3ALTRECHT BY: .~.,.~t. Button Neil, Esquire Attorney for Plaintiff -~. -Y. o ~ ~ ~ ^ ~~ = = ~ `~ , • yam Cll"1BANK CARD ~AGREEMENT ~ ~ - ~~ ~ - - J ~' ` ~ • , ^~ _ {. ; ~ " • ~ •~ . . ... "-. .. .. !. . . r ~ y 1 ` ~ :1 ~ ~ . . . 3 ! v ~ .- .f ' }yam y. . J A }~~ ...A , . IIY].1i YN tf~ ryLL (~rj~r ~ ya~r MYVYK'N1Y ry~~ 11A U.u ~ 1 i~;. , .'L ' . ' ~ acrier tzrtaes imparcrtt infartnmc4 i~~Q lAe umtnl pacantrpe - . y- • , •' .. . - rde aria the artwuttt d arty memoetsNp te+L Pfen6 m74 and ~ me and nrrier . ,: ; : • •~ •• - ~ and Nis Agreemem (a your rttards_ Tlds agraanem is CifdMq as you udess you ; . ~ . _ • ~ .. - • anUl your account uiWn ~ days afro rECrlyitq tlfa card aM you bare not used - t :: "~,' a audrariaW use of your saaarrt ~. '~' Ta sim t the re5f a tnB + ' dN rc 1a Ya, mr fdlavirp dduimots wi aopy. _r ~.. Tlse words you. your, and y9ws mean Ne Person raspms~ble tar this ApreentenC - to wham we ~ Vu dlfinq saument. TT~e wad and mearrs ase or maK ands . - - which we nave; i~oed wilt your lcawrt numtkcl]fe rotas a+4 uS and our mean ' _ .. GhbaPoC (Sorb QakasaJ. ?Ll tae words awlfon'~C usar man any permn m ~ ~, • .. whom yW 91vt Pemtiticn t0 use tour ICttlnt ~! A9rnS Gdiank U1C_YS mph - ' one a mars Caeciz that re acry yrwide foryau m aaccin a cash :m: n, rare ~ . , wards H7Lin~ TrdnslC checLS Gran one a more clxas wt we my Prtrvge for .-' . . You m obtain a La4rce transbt Barana trans:es tn] tx untco u pvrcnasrs to - - ~ -urPoset ~ as onwrise desrnbed n Gt~t Agraement. . - - ~ ~ Using Your Ac~uni and Your Cradif Line: " ~.. - The r..rd mtsi CC.Sigrt~t to tx use:L Your iY~i c2¢3;ut.>ppeais m rtx aJd ~---; , _ ~ _ - - eerier me crd- A Putlon d Ywr esi Eop, caAed lire ~f adraraa ~ ; , _ . . : Fai4 is a+ryiat%e tar ash aera+c~.,7s ax ;rxf ~ any 5rn, wa may - ~ . ~ ~ ` ~ C:nge Your cec3t Foe a ~ advanp Emit yb'M$ - - rptY ytw ! we du. edtxr -3y rrsairor lwuGh 3'aSnO t sen e+lkr-amore dr a~r~e c~nraga ~a ' eikG Ym may a e~ to your.c~ 9t>e~7:sn, adrt>C FriVlt h'/ - 9 Cu~a?!rrcr Servica q' Ytteptwiie a aa, ".: ' ~ - - ~yc~ czd3 Saie s the fiit'arr~ni d avaiiaGk ~ 3uy ct ~Se-goods a s~vic-~ " - ' - ~ ~ xrtcaver tM and a trncrad. tt;ur cslt aerarsc Ftrils lwilaDle fa ash -.. Vvrxrr/i. ary Oanlr nr :uimr.2Q Ivalar ripdine 7:t s~ Uu cro a at using . G`6banic~ the rattl ama4r~rped on y«;r acwm, inC~nq purC.s2~. .- _ Q21aI1G tr.I]~CfS. (aSlt -adY.OGti,/ ~Il,f~f3nR Cl1r"y~. flf3. Jf met ~~(pC. m~D1 - 31Wi`/5 R~71a111 hEk7M yW( L1rnd W10. tiOA'eYLr, '~'GI ~,ul amWm ...^^"'._ S you( eedii 5ne Dvu nxrx saa F;y ~.ciYour and muse cry Ca+rzci to 6wiu1 a-ui~roaz .- _ Additional Cards: - Yov may ragoesr aoSidonal ~ on your arw ~rrc .or yourxf or ~fxa and - yvu may pearrh aricC.er pesrr in have acs w ;,m cJd or atcuunt numfk. hiewever, it you do, ya mru ~/ us lot an G„,~s rnaC2 ry 7u><e ~erzxu. mcu~inq durges Icr rn:c1 you may not +w.e ~m:2dett :o 4 rt iMe. You muse notify vs ;o nvotz pe:mis^on Ivr arty ~.~ ycu creviovsy avmorrv ro usz your arµuM. h yov ~~ .a b rcrekz :notnr ;,ercn's usz of your ~urq we hey 'case the ac~um and ;.stc a now c~ro ar ~rC: witA a dfhzrem ze.:.unt numcu. Yeu are :e~ar_rbk for !tx usz of sac ~ to is_ixa cn your aCCUnt -acnrdnq m me terms at this !.greerrxnt t -, i . 7 ' C _~.: , _ . ~" ~ ' Membership Fee: i he card curler ccr~ininq Vle Ord ir~r~ nr~~er ~yaur ?r~,unc a svhjC ~ ; a mCmOCS171Q 1e;. n M1 ~4, mG S~ 5 add W lA RL ~UtCc`? ~alafG'. arA 1S non- - -, ` :dund'mk unless you notify us la nncl your arum mUun'_0 Sys tram u,e r _ rrwling ~ vt the Dir(rp sGtzrne:rt an which ,:.e :r_ s Dille:. m~~- ~. _ ~_.. ... 'r, '.' ,• • ' - •.: Ydar biWq sGtertrnt ssata pq tatrrc4 NY flttinCe tpatpu, lees. tM minimum , ;: .. ,~ ; "+ paymem• Utl d1e payment du dire. It ako snows your accent Ctedd line and . .' ,}: •. asb adme:e LmR m itemized fat of currtm Wryer, Citibank cnecl5. paymems . •~~ ± , ~~ ~ 7nd ~ i sumrtary shdw4fq 5lpirihly the purLAe.Se and Gash 3d1'dtlG . : ;,~: bahnas, Inca fineetea ctmrpes assaaed an earn talarioe: and other impartam ' . inntrtatadoa It you ddaud under Uric Agreement, we may, m our sale d'arlelidn, tr• . ~ iecrible m uhw` n ~ ~ - `- ' ' s ~ iaatibate ddingtrency coAectiC^ precydinq ay se dinq . "~~• :. -' .' aperrey or ambmey iar redaction. ' , . You must notify us of a cnange in your adtlress DY cdnacdnp Gaaamu Strvica ~ _ by ~~ dr rtwl We will mart br deliver ine bipinq satement td drily aria . maiSnq address. _ How We Oefarmine the Balance: ,. = The NGl oiztttatud¢tp 6dtlttCE {Zna itnoum you owq ts~ •ippeus as tt7e;•Htw . .. - 8dantt• m Vie 6ri'nq stattmam, io determine da 4ew Balance<sye b~gui.r•'rdl - dx oratsatdittq Calanee 9q yrnlr;rausft at Ure tteq+nrtitq ti(.'ra~f?'3<1J~9 P?~od,' . . - - - -' sled me "Prrriaa 8ataita" on Vx CrT,np statemem. We'idd gray parasasM. - .. and cas11 id~attcs and'sugbati inn payttten~ and aedit5 tftat.Y~e tetelve: Wa . ' '=5 ttlen add the approprate futaiitt dtargss and ft2s and,make other app6ahle ~ .. - - ~~~ . .. - _ - Annua! Percentage Rafe far Purchases: You annu9 pet[entage 2te be pute'~ and me cormspandlnp daffy periocSc . - -. rge appar an ale a[d artier. A aaiN periodic r:te ¢ the :pQGGCk imttsat - - , ~ -- ", perreratrF rre ch+ded CY 365. i5ix~rei or cot me annual perceacge me fw . ~. _ purCSasa s Cased an tree US. Prime 9att pus a margin is ndic3ted on pee std .. - . ~ ~ .._ ~. ~;, wrier. P'mx sq V1e seccat entdfd-^Jat'3dla .tnnua Percrrgge ftmrs to Pun3turs arN Casa..'W~a~s'tor~+.rk readnq td nvw ttt¢ r.-tc may change. ~~: ~Innual Ferrzntaae Pate for Cash Advances: Your ANNUAL P£aC;3tTAGE AA7E (a ern adv'anai is 19.49 ~, wni[n care- ' wards to a daily oednQic roe df O~aHS. Tire daiq penodc roe a me ern . . adrane annual percrtape 2te divrczd by ~. Pkase sae the ration entitled - ~ _ VamNe ?nnud Pem_ttage A<-trs for PvrCrasrs Ind Cann Ad~rarrces" for duals - ~ n?Gtinq ro now tiffs <te may c'range, inc:ud'vu} B you Cafavit under arty Citibank - Card ~greanmt. Variable Annual Percentage Rates for Purchases and Cash Advances: . - -~ tt are annual getcmage rate far purc:.azs is a.se4 on the U.S. ?time (ate plr,s a margra, .M mi! euctaze the ,are by eating Ute nurpin crier appears on Ure ctd . _ r-.rriu m roe Fritts r~ae published n Ts Wad Street .laurna! cn Ute i„Sr erraness _ ~ day CI ~ mbrtm. I(mort ttun one ::-:imR Aatt ¢ pgbfis!>ed, we miy cloase me _ nigneri me. tt TAe Wal( Strcat louraal aas:s puhCr~an cr to puC(isn trio Prime Fie'tr.,'«e mry use the PnmR r'ia-te ~uc(~nc1 in any omet r>evsgaper a( penerd dreulatim, ar wE m:y sudsdture a pnuiat retemnce rate at our sda discretion. -. _ tech ornc me annual penxntage r.;.e cwrgas, we wd! apply it to airy exi~ng _ ~ Calarxa, wbjr_; to arty pcamotioral r,'z ma[ cry agpty. _ In addrvon, vie anrrbl percantape 21: far yurci~s25 and ~sn advancrs may ' ' vary iS ycu dt!aun uc6u arty C3Goank C.'fd f gresmem Cec.'SUSe you tail to make a ~ piymerrt m us or any omen cz~imr wr'zn Cue, you exttid your c; edit Gne, or you make a paymem Io u: Nat is nct hbncr°41 :/ your bank In suet crcumsanc°s, we rt¢y ir~-ease me ANNUAL PEAG"c,YL",GE HAiE ~rdudinq arty promovonal - ~ rtel on atl Catar~s td a higher r;te of up [a 1495% plus uhe Prime Rate. The 2 ,~ _ ,~;, . ~ cv~~y ' ... arStalldR ll~lt TirL.C~IICy i4ldStEppe7R Olt t1N r3rA 0rt1eC FdLC' f3 O_ . •. ~:..,' atmwlt ~ctxa° ~` `"Ws.'a~ilptll`y~n~of Gt Ear t Grt, 3 _ .. AORefaerR deNWK, uid odkt ilfd~c7d06t d aaeaunt usage and per(Orrtunca. - ~ 'taro aeeaum mgr eQaln became eGgdh fm a brrer annal percntage rate an •• new Dom, new ~I adratlnCS, a Oaayt aloe yW fore me! Vte rums d ail . . la`6badc prd Agroanertis for siz mondts..Yaur easCnq balances wil remain . - - sutryeG to the hgtkt ram umO Rlty are paid in tulL ~ , ~ • .. ' My inuease dt tlecrase in a rarmEle annual perrrnage rate Was'effecC on die ~ . ~ .' first dry d Ne hrltlnq period dicady fWawir>q ttre monN in whiCr we arMau ,. ~ We ratl. T1le aMrml pettxnlage rata bt eXe¢ arW am/ subsequem changes to A . ' wil appear m dte bulkrq stamrrmtt An inottast in the variable annual puaar¢ge rate maces yqu will pay a higher fuwcKe drarye and perhaps a higner minimum. paytrrmt. - -, Promotional Raie Offers: - At our drsctedon, wa mdy after you a pranationai annual percen6ge raiE for aA ar a patl d the purthase node cash advaltC Dalancx The period d( tirM foi - - .. . . . wfuCtr the promcmOnal rate 1pp6es may t)B brted. My promodanal rate, toe. t . - Ong periodic ores, and the period d time during wtilcn it is in efleR will ~ - c-:: ~ ' ~ appur on flu urd arriec We rmy assn otter you d promotirmal annual penxttcge . ' ' tae m erKarnge sgec5coansaaiaex suCa as Iransftrring batar~as (ran x~ .. .. ~ amurds 7W nave wdn others. Jury promddmai rate dRer will be suhjac: m the ~ t .-• -. ~ . msms d me aAer and dr¢ Agrement -- -. ~ - Frraance Charges: r-_ .. - ~ Frcnc Ctargas caul t>C,Vn to :cue (ram me dolt d the uansaridn lru purc.'ases Vic.: - - and. codauem aCUe coal aim :n ;uq a ctd,ted a yarr a~um_ Ho+.eru. _ ,y' - - ri you paid the total New Batalr~lis~f an mt fast r~n9 s~tamem oy the Vii!-• •. . ; _ . ' paymem due date on Vra-statr^nu¢,~ any, you caul love until me paymtm drx ~"- . - ' di& do year CJrre[rt S.ffiiflalt tD pTJ ynln:~Otl New ~anCa Id avdid i(flpa5i110n. r~.._ : ~.. . - ~ d tirtnda dnrges an pu'c'saui.for cash adrdncss and oalana L-.tutors. firwrce ~ _ . cRargel vie xgln to :trn>e tram Ira d:te d tna uartsac:,n and cndnut m acne urrd paymem in hies ~.dtd m yeti ac:aune _ We cal ~ditP finZlx.° G1arges u,fdlows - ~ ~ ~ W! bqu2 7 p0r11IX7 d the~fitienC C:"rrge On your aCoUnl ay multiptyirtq ~~ ~ ttx dadr tnGr><s far purtnasts ;nil "ux dairy patina Ior casn ;dvarxs q' the - - agpGc~e daily periodic rate arA addnq toge:tur anY such tinanoe cnarges la pure115u :nil sapar-i>dy :~nq Idgetnel arty such finance dearges to ~ _ :drv:~ tilt aoch dal a tlu ~nq ptriotl. ' ~ ^ Fur fxunc Glarge rxuGtion purposes, the pol~ry _..~.~c izq~ns an the d.~ . ~ atltl Ins SYaIDmtttl!>r osnq Cat dt ttu ,previous doling pence and raves ~~+iN 71e nvmoet d days in the Citing perioo. tt inCUOes are hatemerrVC:osinq Gart al tnc ' _ arrr~t Oi~inq period. - . ~ 1 To gleudtt the dotty CaGnas, vrt eke a~ heginrvnq OaLnce far purv'sasrs . . ;nil six Degarinq palana tar W.~o advances xien d,'y, add any new crnsa~dns. lees, nil dry fmantt CnrQe on die prtvious day 5 balance, subrra arty payments - ~ w Gam, and makt On7e: ~usanr~. Un1tsS we Glee: to ust a later Date, we ~ - - - - ~ add d new putC~~a to rtu puraas2 Marta as d the date of ttte purCta~ and .. - - - _ a rth msi adranca td ?a ca:1 aCr+Jtc2 talanca on tie daa d the aavana. . _ - A ac.R Oatarca s treated as a Galata of zeta. ~ ~ - ... 1 The Oaiancas suhjeC ~ fir." charge for purG"..s2s and for cash ad•2n~ on .. . - ~ ~ _ the Cdirry sGlPment K eaC1 :~ average d me r~'pa'.ive dairy halanctt durir;g . . ~ rice lw'6caq pencil. tl ycu mulppry 7~tse (gores ay Ito numder at days in the DJling period and -tiy ~ apptiehie daiiy pelidr tars. du rr~vhs will 6e Ne periode 21t fumes e`targe; asstz<x1, ,~~pt for minor wriauons ausan Oy rounding. F .++ iYtlft~V~ ~~ ~ ~., .. y au,tfeoammiacpmaasuutrXCa~aa~oneasissubje?mmorennn ~ ..•; ~ `','~~-. • one race (fw aampte; t~ a owpfxmr a t3sh advutus mode dnrinp a `. ;Y . = ';' `' •: ~ vromodorot+ate ~ewa off. np+nmral~m eacn tanner sue~ea m ease t . . ~ . > :. ' . dittemm rate and me rtiveirp deanoa Varga a t(N same manntr.as described ~' _ :% above. `s ~ - ' Transaction Fee fnr balance Transfers: f' ~ - ' ' ~ / You fnve obolned a Wbrva ttartsta d you ttardcr a tYdtatKt from any atder 2; : • ,._ ,;: • . - UCdIY~f dy (neartt aMUtl4fe x Ctobartle Citcck.9ryou ab(iin fends thttra0h 1 ~ ~ .. <. . , , . , .~ :,_ `; Balatta Transfer Ctltlt To eacft Canrxe 117nsfar re add an additional FINANCE ,: ' • . ~ `~ CNAAGE a 3.0% a ttie txinna transfer but na sas gwn S5 a more than 529. ' • ~ ~ ~ , Tha 1tt trin De added m the purchase Da6ntt The Batarrtz transtar transaction ~' tee may Hasa the:nnud percYrnage mean t1k~DdGrlq statement on tvltlCtl the - ~: _., : c . ~:.~;. ~. '. ` t>atarxt transfer first appears to eztxed ryta naneaal annual percentage rate. , ' TranSaCtlOn FEE fof Ca$h .QdYdnteS: ~ 'Y ' • ' :'= You have obtained a castr advlnG it you cbnin Uai4t Irani an auromated railer ~ -., . ; . - ~ , nnt4rina (A'RA); ClrouOh a Citibank cne:~ ?nroaga name banfdnq or ttlrou9n a . _ ~ ~ K ,, , :, . I ., .+r.'::, ~ , . .. ratanClai ~tlSLNedn; matt S 1MfH transfer; aCrIW' e 1 money Ordef,,traYaler 3 tfmtk _ - bdrry tickt~ betOrtO or r~to chip. or sinuhr itE11L err engage in another stmiiar _ ~ uansactica Fa axh suit advanp, we:dC an xd~daml RiIAACE CHARGF at , • 3.OX of dte advance, but not kss ttan Si ittis Itc >hu be added to the cast, - ' advartp balancer. (Tire amqunt of aie r~sn advatte may include a surtxarge 4tat ~ ~ ~ . .. the ATt1 owftr impasis.J The casft adwrt~ transacon fee rr~y eraser me annual ' . ' ~ .: pereenrape rite on ttx n~nq .. atemrnt on iNtiCt 7th ash advance first appears m tuned rte rtonarul anrucJ pemttrge :-~ - " ~ rtlinlmum Finance Charge: '~ ~ ft faarsa r.'satprs bas+d on pttiddic rws at bdnq added m your ac:arxa. bus ~ :r..~' ~ :' '! ~ . Uk TU61 Of Sr1Gh SnafiC2 UfatQtS 1a purC.Se$ 7rd C2tn ddYdnC3S 6'eS.T nYatt r . ;... ' - ~ - -' ; ;?. `. S.`.A, wa assess a minimum F3HA}tCF C}iAA6f, basil an perioa+c rates. o! S~_ ~ . - ~ We ido Ulf amount to the purc'~ast oa>ancx,.x,i~ Cta fxan~ charge apglicaMe . - _ j ~ m ttte puf~tase Dalarata k :era. in «.:.cn e5t ne :dd me amovm :o Nc rah ~~ ~ advafr~ baianc. _ ~ - - Credit Balance: ' . " _ - Yau n>ay Hat nt:utGUt x CtC<l naunr~ en your a~"7,, ntt in e:tzss of your a~iQned ca~a fne. 5Ye ,nil return m you airy rya dmdunt aver S1.CU i! the amount has - ~ ~ tscen an your runt lctnge man Nret mama. Yw may request a refund of a - ' - ceder haafanc 7 atry dss>e'J!t may rtdv~ ,.z amount of any rail t<alance tit me ~ - : .. - amoum of ne,r c't;rga nrll~^ to your arunC - _ ;,:,~ Transactions Made in Foreign Currencies: ' tl a Uxnsaciort s rr~C7 in a fornpn arte:,c/, .,e zrb Yrsx Itne^6tiona7 or - - " - ~ `~ ~ ~ i ~ Mas@:Card Internatiorrl, Ce^,.uraing an wniC .td c ustd, rn71 pnven [tx - ~ "_ ~ 7arrsae~n itnn a U.S. dollar amount 'rasa ara ,~ai~`G!(A`fd wail 1G in a~Nance - - ~ ~ - ~ wmt Heir Cper^tiOQ reautdens a c.^,rtveaion prttedures in etfG at 7th time 7~e .' ~ - ~ ' ` 7utaCion rs prce~d. Cur;ta7y, Iheir repuu;;ors ono Pretedures provide rna2 ~ .. - - ~ ~ the currency conursion rste nxy use is eiUxr n J , xnale_sa4e market ire err (2J a . ... gon'1LUtitnFnial7dat2d r':e in ei(rG ate d:y ,nor b ate pcacns4ng d<~. tom ; . - - - V¢a and Ma^~CaN inGZUe Nis canversior, ,;,z !y erne pe2snt and v.~ Tis inGea:.e_'11t ~aast the axtvsssion rate prnoeC a us nY Y>sa or Master~cd dy :. - ~ no Derma and'zErAthe irceasz. TTU curru~cy ~rmtsion rate cakutat2d in 7i~ - - - _ - nvnrrer Nm is in ett~ m 3~e prrtizsinq e~=. m.-y rifer `rem ne rte in etfzM on " ~ ~ ~ : ttx [ransac5cat Cx~ or the posDng date ' ~,~ _,., , :; " MJtimum Amount Due: IJ ~~U _ _ • ' - _ • ;-. ••: ': ' ''+ :: Exa rtmat yw tmrs pry: rtaeinmm ammrra ttm it n>e rout of nrd bpures TTte ~ S _ , . - ' ' first it yq Ortwi0ua atrtoul# Nat is pass due plus atry amaum in acrss of your ; •'~- :: ' ~ -.::_ aedlt fine- The semen ¢ the ptaatrr df the amatm a(your billed t'vuna Wr e ' _ • y ,-' p s or one at u>a laeowirta ~ ~ . .. ` ' "` . ~ ' : " • Toe New Bahna oa ttte bif np atdtensent M't is kss ttnn SZ0- or ~ ' . ' . . • : .-t; . '- .. ^ 520, d the New B Ls u katt 520 aM rtm greater than ~ or • ` ... - .: ~ ' ~ ~ ' , i h tlk Mew Batanoe emeds 5960,1k8 a tlu Nov Balance (rounded down to - . ~ - _? ' the newest dt>A~. r _ = ; _.~ ' You must pry at least tltt mlttimum amaum by the paymem due date, Dut you t' , ~ - ~. • ' may fu'1 mare u airy bent wiNOUt a perudy, we wdl allaate paymetra to atttaUnis ' .. _: :~ :' ; : ' ' owed on your aemum b our discation.lttis'utdudes, htrt is not Gmuad m, • .' . ~ - ' • ` ~ " aDDMrtO Dayments td prdmatiattai hahnees; strut as halaroQS yvu odhin hY using ~ ~ - - . :. ~ ~' ' ~ A7WOCL Lager uteC¢, tu}ora M s~ttlt payrttents m your other purtYUSe '', .. ~..: or cast[ adrartn datat7Wi If u yo PaY more Nan the minunuat, »e wdl al}ac~ me , ~ ~~.' ,, ' - tA255 atttoum Id tL! punNaSe a 01511 advanoE bakttw a CVr dtsClEdon. 1Yle - ~ saaner You Pfi' me lia- Aalanc, the less yaa wdl pay in fauna utarges. we rtLy _ .. - also apar you m stiD a payment If nc do, we wil ndMy you. K you utoast m •. - - _ skip d payment what otltrd, we wel camintte io assts fauna utltgts. P3}?neflt5: ~ ~ . ~ ~ ~ ~ ~~ ..... ~ ~ ~ InsUUdmr~S }or malotp payments ara on Your diln9 statement. Do not sand ¢sh - . ... .. Dayn>etifs. We en z¢pt laa ar r-rtt¢I paYtnatt5. a5 wed as paymenCS tfut raflec: ~ . .. .. Daid m 1uP Ot Pd1ef tPSa'iC]YE e~IC0t5t!ttttlts, Y'+Ih0U1 IoSfnp any IX our n9nls .. _. .:.. -- - under Ittis Aptasnuu. T7Krt maY k a d~j• d W to five days in c~idng a paymem p 4 it ftCVed at an :aftt~ cGxr awn the address aw,ded cn x - . Diking S7atdfltnt a ~ d>c paymCl s not nudt ~ aC::rda^•~ - non arty c( our - .. _ ~ other ctfBUCOrti Yea agree m fzY a m U.S. doNars dra~.n ore lands an aeDcs3 ~ .~ -- - - -- - .. in TIG Urttrod Stattt using a Dayntcxc^,cx sitmiar ittstrummt ar :utortutic _ ' ' . detrK tlm wdf De prtrassad and ,'wrtarod Dy your 6ank'Ne rtsar~t me right to - .. . .. ' ac:: pt Ca~u rtute m taraign umrcy n we da. we will s +uC ttx eiter~.ive ~trrency Gttrva+• ion rtC at our nise d d dit ^ i U S r ~.-• _ ~ ~.~ : : _ _ . - a on an ca your :,~. unt n . : dd6rs. [ . Over-the-Credif-Line Fee: We wa add a Sig foe td tM pun.-.~ CaGttr~ far excl. h}ffing pericd that dte 4ew b- . . - - Ea1a114° °,3t;,°Ed3 Yald CEdd~hne. ~ -• 6 -~- ~ - ~ - - =. _t - Late Fse: . ~_ ~ ' ~~ ._ _ ~ We wdl :dd a ti5 la m the putcasa Datana for eaei Wang period You ial m - ~ ~ ~~~ - _ maka the minfmum paYtnem DY its due care. ~. _.. Retuned Faymerrt Fee: _ - we vnil add a Sro ~ to Nt pun;.`:Se aatanc whin a paymrnt chCc or ~ - . ~ _ svni~r ~rswmrms not twnorad, .man we mutt rewrn a hecausa a r-nnot L . _---' ~~ r Ct Proce=5zd. a wizen an autama::: 3tlA is resumed unpaid. pit our aP!ion, ,ve r~ . -. - - _ - will asszss th¢ Ile dle first time your u1e~ or payrranl is ,mot nonored, °•ren k i! is hataRd upon ftSUhmin'An. ,. - - CiSbank Cheek - F "> . . _ _ _ ~ Glrhanx cneckz may ne use to rNr'^~e goods and sernas or m eotain etvl uP ~~ ., ' ~ ~' - - ~ m me ;mourn at ycv avadahle esn atrnc emit unless that amodm wiG cusz ~ s me balan¢ to a~1 your credh ix- We wiil Veat Citibank dted3 as a ~ - - ~ advance and Utarge mom agairst ya:r ~ ;fiance knit r"actt Go~ank cneck - - must Ce :n me form ~.e rove iss,~ and must be usad ac:arding to arty insruuicris we give ycv. Gvbank ~,er~ rn,y ce used Doty by the person wtwse ^' _ ,•.~ ~ 'rprrsaptitred aa>fbm.~GwuOa7ttk'C~tlCyltSy w_J owed tjt (Q eted~~Q< ot~ ~„V, ~~~~ . ~ ~' LI ^•f Y ~MW~R YW ~(~t[ WZ ~ III Qrtit~ _:3 by t chede: nor ena tire nmrn wid cm~aot t ;.t. ' . ( (, ) - : ~~ - ::~ '• ~' , 'Balance Transfer C~let:XS: . '"~_':; - , BatatacY TrJtmer dxCa ~ a ~tt f -_ . ., again turxLS up a tM amo um ~ mb0~ Fau+ Bence Tran~Jer , • -" ~ t~ must De fn da form wt ft>we issred and natst a used atxordng td arty ; . .. ~nstrucanns MC give you. Balance Tialater C14N3 m]Y not G used ro pay any ,.~ amount owed to us ulWer NIS or atry octet GtiDatdt lard Agreemer>< We will t . any Balance Tgt>sfer Utetla, nor wil >te return paid Baianc Transfer : - -" .' j 'Returned-Citibank Check Fee: t , ''He wd1 add ] S29 fee to the can advance ba4rtc d we d cli h . r >_. ^'. ' : e ne W onor a Ghnanlc dtec*. We may decline to Bohol 51Ia1 Usetys d (a k h . -.g , eaamp , t e amount d lfC check would C3VSe the DaknCL to auxd your cash dQw•dtlC Imut or aedh " . .-,~ 7Ne, d yar dElatdl A you tfd cot Amply witlt Our irtSLl1L'I0a5 ttgatdinq Ne dte01C ~ - - _ - _ " < d your a¢outtt has teen cbstd. a # Ne nrd has e~ireE. ~. , < _ :~'`~ Stop Payment Fee: - ::. 1 - ~ We w~ add a 219 fee to'ttx ash sdvsnea batanm when paymem d a CitlOardt thrx s stopped ai r Y ~- ~ .. - . ~ . . you request au may ~p -af'~ on CinDaNC drecks -. . - .: . '. •.+ "- ~ ~ -a roo7yirq us in writirp at P0. Bar65A0, Seorcrf~r, Souat Dakcca 57117, or ~ ~9~ ti~texpnor>e nUrtYlGf ]Sled On tt12 b~inp nL 1f o tl11 ou ~ ~:' ~. ' ` m y , y n ~p ardae will a . - - ' - . 7 ' .'::. ":-` ~ ~'; amain it et4c for six anunFes]tme e ~ wrifv7q. " . . , ` " ~ qr><a a dtarpi is made Nrough da usrof-Ne crd_a aaouM rtuvts0er'we cnrtot . '~ ' ~ ~ - (J• .~_. ,y ' ~ 9aymt tt Cn the.G IatOe- Y ltkre i5 ] daplReipyalyjlg d GhdfQC Orl y0af aC~llnt DtCi Y ' " - . _:_:`.: r~- - 52 f ..Er 1lI Ne S?l, Qn Cmllle,'1 NL]t: a:pp 1f IMfe~S AR Error tIt Your 8+3' ' ` ~ . - ~ _^ Lost or St~~ten CarL+s ACCDUni N b ~ - _ ` _ ' ` = 3 , um ers, or Ciii~ank and Ba/anceTransfer Cherlcs: . ~ ' - " - _ `; u an ~. aaarmc nurnou or c'~Y a Wsl or sutert a y you Dove someone - - _ _ `~ ~ ~,>,srJ or may ua Nen wGnoul ywr permsSion, 'wa1Y us az axs try calirp Ne ~ ~ ~. ~~ ~ `~ - blephone number s'trnm on tM t>aSnq state:rrent yr ase number obtained py .rtir>q IaU-Irzn yr Wet t)irtwory Azsisance We may rqura ou to r id - - ' . y p ov e curaer idormadm W writing to help m ino out wtst ~ppened, and tb comply - - - - _- r~ittt sub proaguru as wa may require W vant>~an hid; our Imuigation. ' _ - - - Con I vsa dte card, :aaurtt number, or arty checks list xeVe h~ wed, even d they art found a retvmd. You may De fcWe tar urcuN i d f .." . ~ ~ - - _ ..t Or zs use o tta L:.wn4 put not for more tt>:n I<(1 Yau won ; De ode !or uruudwr¢ed - . - . . - _- ' ~ pun n,.-.~ x cosh advances made urer we're Der, narne^ of the tats or me tne7t harrevc, you must ioemity 1tr us Nc cRarpe< ~ U~ bBHrp statement toot ~'- - - ;y -' _:.=,~ *'r. a rat made by yoD. or someorz auNOr¢e: by you, anv Irom wn~ you rece^red no Gerrent r ~. : "- - ; - - _ _ Yau Cetaun under this Agreement rt you ail Ice Uc minimum P]Y pa-Yrrwrt lissd } % .: on eac~ odiinq 5:;e:nem ovhen due. `„d to makz a Caymea[ ~ cry other cred'abr ' ~ r : . +nen due, file for oanlauotcj. 2Seed your ceail line, s'y by 1 dxct or similar 3 ~. - _ - instnrme:tt mat .s not hartarq a<ttut we must rz!um De. ~:~z rt wvat De d 1 ~ - ~ ~ . i -.. Dressed, pay by automatic deco That s re•.urned unpaid. ct deiaun on any oNer 4 - CtiCank Card Agrnemer¢ II yvu Ce!autt we may Cma year tr,,,aurn and demand ~ :mmtdw-tp payme~re of the lull Ca6nce. I ~ - ,~ - ~~~~ :' • _ ,:~ PreaaatfaoralBd. Ctlarges: • . /~1 ~-`.'• - `::~.' H you drEettt; a 9r caN irlast'astalm, brxt~ t~0d your account a saaurd ~`• . , .. I F.:. •.: „=::'. ,~: •-, numba/oratry lawn, re nay snspatd sutonadc taaryes as dot aadtmt .., . , to the0yuiy xndors far Ittsurana reneums a aoter Aadds of services If . praut7tdtiDed CRargea are ydi mites anlthC[ tM nerd-parry vendor w' • .. , rdraate tneai. You are rpgOnAale tar maldnq dirtxl paymerrt tar sttdt rttarges .. • urtd Ydu tttirnta¢ automatic tfurga. r4 - -. - - - caire~art Costs: h we refer raiecddq d your acaum td a lavyer who is not ovr salaried empWyee, r you vnil De fade to arty reasanabh aflnrneyS has m toot, plus the cosy and .. ~.j eayeruts of airy fagot acdan, to the w«n permitted Cy taw. - ~~_,<.r • CttslomerPrivacy: • - .. _ -: _ ~ --- ~_. ' r We wdt safeguard, atxdrdutg to snia staMards at Searmi ,- : _cnndenualiry, airy - :; i.. . -'; _~:` : ;. - iafdnnadnn you share ,wdf u5. We wi8 tunic me col(ea,dn ~:,d ~sz of arty such - - inlarntaDan 1o the minimum we require in order to detivu you superior szrvia. - - __ :: wtdcb ilcttdes sayisip you about our products. serviee5, arts Omer dpportvnines, - :.:':: - and m adm@tcter our otaittess- We mil pamit only auttwriztd employees. whd - _ are tnimd in me proper ttandGng of custamet irdarsvatioa, to tta+e,aeces-c td ydur _ i,"~ infarrtaseott WAex+er re hire attrt orgatt~otts h provide supWrt-serrfces, we - >= .. f--~ wdi requoe than td tmtarm to oar rtvac standards and to aiww us ro audll P / tttrun ~ - - ; - ~ ~ We wdl atMVrs rttaiie5n poterot per hie aidrlsrtba6cY of ywr ffiorrndod. Wa _ . y- ~ ~?-~ rr3t. lfoMew. bCSrem relevant m•.azkntv>q :nd promadatul offers from reputaGk ---..._ . ~-_ - ~: ; ~ cxnpatia d>S meet your ttteds. ilxse companies ara run Gemnrmed td rain .. -. . ~'.~' ~''~.: ~ ~ ~ :try of yar'nformadort tvdess you have Y et~rtssszd ;merest rtt. Ndr -~ - 1;, pr~ttCs a xrriai It ~u d0 nni wam to receive ttt~a oiters..mie a afl vs at , - ~ ~ ~ '' x ~ ' ~ me :ddrus a nxnDer 3.ded~ do the OI>finq ~rrrammE & sure to inCude ~ : _ ~. ~~ ~ your ratty, a7dress, and aecnum nuht0a. We wn~ remind you u Est ono exn ~~-• ' `'--' -~ ` d your right to be rxiuded stoat tt>ae orfers - 5ttny report Your per}wmvte ender offs Aprrlnerlt td czdtt reporting , _ _ ` - - - '~ ~~ age.~ces, irL&ng yn,r tatbrrs to m:kn minimum paynm6 m tirr,e. n ya, t Sditi d Vt l d d ` - , _ _ at ata ersan :t we may reques e>r sba your ~xum Ar dtneti you un - - : _ --'_;~~' ~ rr,,crt aeamt Utfarr>aaen in your r„ax as we9 as in dle natars df rttose darer ' ... .. -- - pe~le. Ne may atsd chain fdricw-~y eedh repdra on you (tor e~pk, wnen - - -:~:~. we rtrittr your aC~rg for a G¢dn :ne incense). 11 you •vistt [o know me names . _ of IDe ager,oes we 1¢ve pnfaC-e:. «ri[e uS at the addres lissd on Ne dl(ing - - 3 statemstt We wil try So no0ty you ~ tt:~hdne or q`f rrmii of nay ~etpt prdars . ~ - -_^' served an us in drdelID give you an ogpdm~nity'o ndjE^ to il, antes die law ~. - DrotvDns me natse. _ ctt:.ot :5 set lortn in thrs Agrr~ment ;rid esczo;'ar regor[s m cx7i1 rz;omnq _ dpv,cn. cdamution +.t art ~CratlttE-"- ~>' S',3tE wi(n our 'atfiltdiL.. dnd irtlornl.'lion we SIWE .n Cnf)C."IOn tndt CrUer~a Of VCVr uC7Unl, nn drlE EisC wnl `~ green - ~ _ ~ information aOdUf your aanunt 'niVavt your knowledge, aumdr¢.anon or Draper _ - - leant authdritY. Sharing Customer Information Amono `_ OurAtfiliates: -- 7a alert ydu to specal offers aria Drdvide ycv ~nan products and 5zrncE< chat - "- are'ailmred spec6~Thy to you. dur a, males store in(ormatidn atiour you on a . Our afttl4tU ore pemliIIEU ny law'7 JIaf2 fitly inlof(ha110n eb01ll tiX',1 ItdrtS- ' . - _ ~ ` aCiOrli a r~erknces vrir, yW. ~f it~Gtinaiidn YOU ptovloE to US Ot tiL't `NE . . - amain hots third parties (lot eArtip4, ce^il Dureaust will not na snarrd it you 7 ,... 3 •. ~.,. x =' ~~` ~~:_ .. • .• ~ ' ~ = ' ' ' ~~ ntaay t# lhatya0 40 t1al lYew ~ aWfltwll0a SttatW among OtP , • ; . „ ~: ~*<<~ : YOU may nasty us is `~tq d your insauctiatr at mr Saw. Pbga Ststd yqq name and address (as d ` , -': ts`. z`' ' aaoum type, aewuot and Sa ~ SeamgY dam C~ t~ ~ C •' . _ :...~ olter at Cal 3778, SouN wok NJ 07W8 YMe 3slt ttlat B • ~ ~:: ~ ~ ~ , na Its idy a romped e+MkPe tlta does sat udttde any ot~ m r th ~ - a . ~_, -~.. us ~ ~ at you do not xratrt suds amen ttafarmarim stored, Yo remains in erfeet You do sat tlmd to notify us apain ' ' :@.;' ~_. •~` > ; _ It you are also a Gstomer of ttaier Gtigrow companies (such as Commerpat CreOit Travelers P raP~Y Cavalry Trarefer Ut b , . ; .; - ~ .:: Y> . , s e Annuit}; Salomon Smith Barlily Ind PflrnHiCd F1r4nC7i $lrYlatSi afld yaa retxtve a ti f .. . .... `. ~,~ ~i no a o iheif Illhlm ~ 2 ~r~infOmaapOn 7haat y0a with theU at6tiahes, ydu win need M se arac ' SO u ~.; ~.... ,:..~; ~ ~7Ai XF p ~ Yc 110l WdrnSildl flfOfniaflpn Shared. y _ . ~_ • ',:- ~ `-~ e ' ' = ~ Telephone Monitoring and Aecarding: f ~ _ ~-:._' , from time to time w•! rtgY rnanhor:nd record t h -'.~ =-:, ' your ekp orse cads rxpardinq you ac~unt vim ~¢ to aswre ttte gtraGly d our service r ' , , . v.~- - - ~ ~ ~ Correcting Your Cretllt ReparL' .:.. '- . ' ' ~. : ~~~`' .` ~ ' ~. It you ttdnk we rcparted errauaus 611otr161i t " ` ~..._tla. . an o a ae~rt ~~ d us ai the address tried On the n9 ~"cY, write ~n9 satema a W 3 - j': - _'. .. )~ . • ~ =„~~~ ~~ ' ,•'- r . e ar promPdY ttk rrratterand d ax . won shdws YOU are ^9ht, we mi! cantos each aed@ r- . ~[- ` . I.; ., .>.. - ~-. „ raparnrq apexy m wnam xe reported and welt regUaa they corre4 rtu report c. :- - . ' _ ~-~ tt we dlsgree wttn you attar out ImzsSq:don, we via td wu in wri0ty dr M r ~ ~ : ; ' __ _ _-^r :>- `- ~"`~' . ' v ,: te iDhane and irtstruC you hOx m Suarnh a Sl:iement d your posilica to NG2 a0e1u~ts. YOUr staernertt wfN Jcyne i rt of ~ cxffi rt~ d itl Da 'r> . ~~.. ~: ' . _. - - - ~= ' " : ~ ~ _ .. "~~:r: r w Y l Nero - . ~ . _ ti -;-_ ::~ ~ Closing Your Account: ~~' - _ You m.-y Cost your a~unl :tatay pme'Y rmutNhG Ps C writing. Howew U ;~~ ~ ~: ~ ..: ' ' , Y,k m. ~ ~ ~ ~ the RiCnc s~rffmq l0 tffe smu a( this ,lgtavnen t "Y your scum ar ~p~yid yq~ att j~,,, d -~ .. ~ ". '~.:;~. ~-~ . ' 3. R our ps at any time Tor ~ any r>asdn r+dsaa prior rwdc;Ye day also reissue a Sdferem ~ _ , ~ ~ '~ •, ~ _ "'"=~..' ~ r~rO. araaum rwmber, or?it;ernnt c''e~ a[ dry 1~ Yau must renmt the Gtd or the Ctec~s : .. - " 1r^ ~, )~ - - .. '~ - to us Won 2queQ ~.. ~ " Lam.'"' _ =_.~%^:. _:' ' = Refusal of the Card; '~= :' i ~e _ -. ~: ; : ~~~"- .. - ~ '1!e are not ra~onsitde if a tr ~ ~ ucn on your arum a not apprcveq eiNU try. ~ ~ ~• ~ " } us or 5Y a aura party. even if you ~kve strtlkiem crdd:va~aDk. Wa ~'/ irnd VIC . . - nutnael at'17fISa[YlnnS `wNCI ~Y he aogroved in One day. tt we dt^.eC unusual ar sus ia . - °~ -'- ., ` o cus acirny an yar acute xe m.~y temporan7y suspend your eWd `, -. : ~ r pnvdages urml we an verity the acmry.'Ne may apprae trrrr~dons worth i . . . :~. ~tisa Ilk aalar~ In u:.azd ur G2dA hne 'm[nout waivin Yo parry of our nghcs ~ ~ " _ under This dgr~ment. . _ Changing this Agreament . We can e^ange alts ~gr~nen~ r~:umrq aN Ins and i~ ;.,.-,,;i pe:cernage me ~ " aI 3ny lima. Wa Gln daSd add df dek;e ,9fC`n90nS rda Wq 10 your aUDUm and In a ~~ ",.,~ le nature. errant. and rrtnrc_, ert dl Use ngAL and oOAgavans you or we may R - - ` ^. j.. -- ~"~ ave re6tirp In ma Agreement ^.cnever, ~J ;he C6nge rut suss a fee. rte Dr mvumum ' ' ~ ~_~7 D< yr.~m ro inceasz, ,re "xill ,nai yoU rrti¢¢n ~mti~ a< hat 15 days beto2 ute beginnup of Ure 'uiNinq ianod ,n w r vi i ~ ~ ~ t • ~ . _ ~ r e e Carpe 6ammes et(Orsre. H you do n02 agrrs Tfl me change dU m t tfi c ~ ' ^_ ~ F .. ` , y us a n US (n j ?mhn9 within 2: days aher me e!tc7ve date o1 the thongs aM ;:Y u5 me CaG+re aifher a1 - ~:_, ~~. "'"` '~ _ - ,_~~ x , ono a order rR Yrms n( me uncharged Agreemer2 Otflervrise, the L'>ange in ma ratio is Du>dinq an o U l ~ ~ :' .. ~:. _ " y u. n ess we nCfy you ooterwix, us= of tM Grd after *Sie ~ . -- - ' ~.~.-> ~t .rt}r~ive dad cf ¢te n n CW qa shall .e C~med aatptar~c of the new terms even _> ~.- . ~" , ~~ , d ute 25 days nave not expired. ~ . - - ~ _ t-: - ~ ~ ?- _ ~~. %~ v~Q ` i 1 yw ~ - a~ ~,~~ r L ~ __; . ~'Y . _ ..ice - .!, - 1 . o ' - ~ C l ' r>` -_ ~ b qlt. ~..:: Enfoneingthis Agreerrieri~_' - _ 'Me a+r delatr ie ndnrlcnq ar t11 Iq etdaRe arty da dw ngnr3 under ttus yreemem C i . . .. ~ ~ ~ wndqur losing mlm. ,~ .. . . ' ~ Assignment: r' - .. We reserve c,e rigor m assign any ar >u of our riptg5 and ohGquidns ands tfils ~ ~ , r,.. ' .. A4re:mem to a nuN OmTY- _. PP cable Law: Fr y.~ ... .. - Tt~ terms and xdorrsrtrenr o! ttds Apreemud shatl tx 9avemed by faded 12w ~; r ? - .. and Ne law d Snudr Oafmta, wMrewe are lorsted. I"".~: , . ~ ~ For Further infarmailan: ~ - ~'• , .. ' _ ~ ~ Cad us as the taepndne wmner shdwrt on ttte front d ttla Oilllrry satement. Yau ~ =;:,,. .. ~ . _ can also ad taY-hee ar krpf OirrwOry ,lssispnrz m qei Our ttlepnone ncm0et p~` - 't'=.: - . ,.. Ken Stork GtibarrMC (Soutlt Dakota). NA '4, r ~ ~= PrE93enr and CEO Baz 6000 ~+~ =-: ;,. SOUK OakOrt SD 57T77 ®2CW CtYcnk (Sovm Dakoa), 4A ~Yhat To Go KThere's.~in Error in Your Bill. Your BIJlirrg RigirSs. Keep ~Thls Noikr For Futrure Use. ~,'ha notice conairu imgorratrt kGOrrttation nowt your rignu and ou. res~ibiiidc umer the fair tnzQd BDinq FC. Xatily (h br [Zsr aJ Errarr or Oocrlaas Abort 1'aur HIJI. K you IhiNc your CiSnq 57ad1efnem s monq, a C you n4M Mort imormaoon dDOUt a va.~cdon on your totting seterrwtt mire to us (on a saparsL aMetl a me addrtss provided 'a the dTnq AigMS Surtunary portioO On the ^arx Of yarr Jdinq saremern. wr3e Io us as soon s ~ss;2le. We must lacer from you nd ~ man 6tl days attar rm sarrc you the fire Dainq s'rternertt aI wRi~ me JrOr or grOA{em apgeared_ You can i2iephone us, t;ut doing m rob not praerrc your righ¢ In your z:ttr, pvo us ore lolbwinq :^fOrr~tJon: 1 Your name ar4 :cum numCer. The doflar amcum m the Sus(x.3d attar. 1 Ctsc:ioe tlx error and grain. i you an, wny you Ee!kve men is an star. It ycu need mere intOrmation, dtcCe ltte nem you a2 nOt Sure an0~2 ^ Gte~st sgn your knee 11 you love wlhdriled us to pay year emit and lHil autOmaictty Irdm year savings Or u"x~ng acaunt, you an s~cq me payrr>ent On arty amount J'w mink a ~monq. TO stop the ~yrnent you ,^us izl us az lean mrxe Ousiru~s Oay: delorz the au<OmaCc paycntm is sdtedufed !0 rcur. y. ~/ ~ ~~ . 9 - i. -' i~,_ - ~ _ ::x _ " _ - -:~=_ - e 7ae-/Pf~~aer~amtrab A1C71i11'bRWlld'11 Aktla. }: - V 1~ ' ~:r^ .~; ~ ~ ,r ~ ~ te~4t>1CS71aw1p()a tmarrmmt00eay~ tnlNli ht 1qe~ COrfmCW 1110 C710f . I f V . ' ~ ItMd. Y111tIW1 dirS, lre nNRlelf Ur1eCS (tk ertnr U drptLn rifiY We hdiere y~ snument was arteCi. A1Rt>te retaive your letter rro annot t t -.. . . try to colbet arty ameom you aaaeo4 or repot ytlur acmut¢ u delirquem. Wa : - . an rlJltUrtae to om yon for Ilk amaten Tau g11es91ors, kKtud'mp firgfee cRatge; ; _ one tee can a0g1Y ~!' ~ amauat ayaitcu put Ueda Line. You do na have to „~•' PaY hay queshaleA arrttaarsl rvh3e wean 6tvaigatinq, Inrt you are still obCgated .. to pay me C~ ~'JOUr ttas>aea itch[ ate not in gne9ion. . fi the find tI1a1 we made a mi5aln; an put b0fop mtemenL You wilt na Inve to • = ' WY ally finatla tdurges related to a1ry grxsootled amaltrc 11 we didn't make a .. _ . _ ntisake, you slay Rave m gay ftttarsc, Hstrges, had you wilt have to mats u0 asry ~ ' ' rtti59pd paynser¢s an t1k gtresdaned :nlptlnf. N ta111Cr case. we still send you a ' SsW>etrt of tlk astatsnl yon tnve and the daQ h a tlue. ~. ~_ ~ n ytrtr f>a io pay the araoutu shu we rstuut pu are. re may sport you u . tkfea0uerrL Howere>; d our eaygna4ott hoes Hat stilly you and yVU write to us - .imyn 10 hays telruq us [Slit you salt rrllm m pay. wa must tef{ arryone we rtoott you m aa[ you Aare a gtaestiao atqutyuur tut MQ we must roq YW the mine '. and address of attyone to rAwa x rq+orted )wr a¢ouni iaitxmatian. `Ne mull } ' teC arlyarse re sport you la tttat me math[ has dean seokd between us srtsert rc ~ - ~ . a fitaly stIIkd. t[ we datY taaaw drse tt>ks. via an't neea use lust S5a o1 me avesvaned . _ ' amount. e+ers d your bdnq sa~mera ras mrrea .. - - - - ` ! Rula yar Geld t~ Prrr~rar. - ~ .. . . . .. q YW have a pmGem [Net fie atG4iy d ;,ropaiy a suvic~ osat you purehasetl - .. . "- ~ vin[ a u~ut~ard, and yw nave ttiC ri gtCp :M m c^arec ute proolem with .. - tta mereRant, you stay haethe right not eo pry tlse ramaini~ amaum due on a!e ~ . praperry or sarrittt itaera are two Srttictiens m ays r4ptat . . i Yoti mtui have rr6de the purchase in your Ante case a d rwt withlrs your S ,~ horne~te. witltin 100 aid~t of your unr~tt :Ddns and ^ the usc'sasa price itxui have t>e:n Horn than 550. ~ _ . - . - these ins do nol appty if >K own cr oprrte am merc'rartL or iI we mailed you the adverdsameru kx the°properry a 5ervirl . C~t~ , 8Ca9i70E M VERIFICATION Chris Como is a Manager for Citicorp Credit Services, Inc. The within plaintiff Citibank (South Dakota), N.A. and Citicorp Credit Services, Inc. are both wholly owned subsidiaries of Citigroup and makes this statement on its behalf as to the truthfulness of the facts set forth in the foregoing Complaint subject to the penalties of 18 Pa. C.S. Section 4904, relatyxgtito~nsvyer~i falsification to authorities. o r Date: T ~ ~ ~ ~ _ ' Name OLIN, NEIL & HALTRECHT BY: Burton Neil, Esquire Identification No. 11348 26 South Church Street West Chester, PA 19382 610-696-3030 ATTORNEY FOR: Plaintiff CITIBANK (SOUTH DAKOTA) N.A. Plaintff VS. DEBORA J VANDER MOLEN Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO.O1-5416 CIVIL ACTION -LAW PRAECIPE TO DISCONTINUE TO THE PROTHONOTARY: Kindly discontinue the above-captioned action without prejudice. OLIN, TRECHT ~ BY: \`"`- urton Neil, Esq ure Attorney for Plaintiff In making this communication, we advise that we are a debt collector. C~ ~ ' _ C". - ~: n "C; O'.: E ~`:Cr: _ G:?' C - , Vs:°. c:? 1 ._ ~L: - -i _a ~ .~ .~, -G x DALE WINTERMEYER, IN THE COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA v. DALE WINTERMEYER, Defendant CIVIL ACTION - LAW 01-5417 CIVIL TERM ORDER OF COURT AND NOW, this 12th day of June, 2006, upon consideration of the Defendant's oral motion for Judgment of Non Pros made in open court, and based upon the Plaintiff's failure to appear for trial as scheduled on this date, the Defendant's motion for Judgment of Non Pros is granted, and the Plaintiff's complaint is dismissed with prejudice. ~le Wintermeyer, Plaintiff 1406 Carlisle Road Camp Hill PA 17011 ~ndy C. Greene, Esquire 1800 JFK Blvd. 14th Floor + ~' \ Philadelphia 19103 V For the Defendant pcb ~ ,~ (`~Qs\~ V- By the Court, ~: .., I J'I_~-_ _.... n~~ JO RUCH IN THE COURT OF COMMON PLEAS OF PLAINTIFF CUMBERLAND COUNTY, PENNSYLVANIA V. BRIAN OLSON DEFENDANT 01-6903 CIVIL ACTION LAW 1N CUSTODY ORDER OF COURT AND NOW, _ Monday, June 12, 2006 ___ ,upon consideration of the attached Complaint, it is hereby directed that patties and their respective counsel appear before Hubert X. Gilroy, Esq. ,the conciliator, at.___.4th_Floog Cumberland County Courthouse, Carlisle on Friday, July 14, 2006 at 10:30 AM for aPre-Hearing Custody Conference. At such conference, an effort will be made to resolve the issues in dispute; or if this cannot be accomplished, to define and narrow the issues to be heard by the court, and to enter into a temporary order. All children age tive or older may also be present at the conference. Failure to appear at the conference may provide grounds for entry of a temporary or permanent order. The court hereby directs the parties to furnish any and all existing Protection from Abuse orders, Special Relief orders, and Custody orders to the conciliator 48 hours prior to scheduled hearing. FOR THE COURT, By: /s/ Hubert X. Gilro Es . Custody Conciliator The Court of Common Pleas of Cumberland County is required by law to comply with the Americans with Disabilites Act of 1990. For information about accessible facilities and reasonable accommodations available to disabled individuals having business before the court, please contact our office. All arrangements must he made at least 72 hours prior to any hearing or business before the court. You must attend the schedules conference or hearing. YOU SHOULD TAKE THIS PAPER TO YOUR ATTORNEY AT ONCE. IF YOU DO NOT HAVE AN ATTORNEY OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELQW;~~'O FIND OUT WHERE YOU CAN GET LEGAL HELP. 'i«t- Cumberland County Bar Association 32 South Bedford Street Carlisle, Pennsylvania 17013 Telephone (7'17) 249-3'l66 i .~~i~ b.., ~a,,, ~s:,~aa_+tn~N,a~~aV. ~~wi _Y. . ur%,a a, -_~~~w~Y - ~.'eFdfY2MN~:wy~ranuam~ac~€~zFa~ - - . a~s~s~'- - - ~~ . e Gi4~y~a~s y~ ~ ~~ ~ Y ° U J -,~ i ;,I ~•~r•~ ~.. i ~.u °~Ofif-01 i '~i t~j ~ JI' _.~j. :}.~ v. l.~ JUN 0 5 2006 FRIEDMAN & HING, P.C. John F. King, Esquire ID #61919 600 N. Second Street Penthouse Suite P. O. Box 984 Harrisburg, PA 17108 Tel.: (717) 236-8000/Fax: (717) 236-8080 Attorney for Defendant IN THE COURT OF COMMON PLEAS Plaintiff :CUMBERLAND COUNTY, PENNSYLVANIA NO. 01-6903 CIVIL ACTION -LAW Defendant :CUSTODY JO RUCH, BRIAN OLSON, ORDER OF COURT AND NOW, this day of , 2006, upon consideration of the attached Petition for Contempt/Modification of Custody, it is hereby directed that the parties and their respective counsel appear before , the conciliator, at on 2006, at o'clock, ,for a Pre-Hearing Custody Conference. At such conference, an effort will be made to resolve the issues in dispute; or if this cannot be accomplished, to define and narrow the issues to be heard by the court, and to enter into a temporary order. All children age five or older may also be present at the conference. Failure to appear at the conference may provide grounds for entry of a temporary or permanent order. If you fail to appear as provided by this Order, an Order for custody maybe entered against you or the Court may issue a warrant for your arrest. The Court of Common Pleas of Cumberland County is required b y law to comply with the Americans with Disabilities Act of 1990. For information about accessible facilities and reasonable accommodations available to disabled individuals having business before the court, please contact our office. All arrangements must be made at least 72 hours prior to any hearing or business before the court. You must attend the scheduled conference or hearing. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association Two Liberty Avenue Carlisle PA 17013 717-249-3166 FOR THE COURT: Custody Conference Officer JO RUCH, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. BRIAN OLSON, NO. 01-6903 Defendant CIVIL ACTION -LAW CUSTODY PETITION FOR CONTEMPT AND FOR MODIFICATION OFA CUSTODY ORDER 1. The Petitioner is Brian Olson, Defendant in the above-captioned action, and Father of the minor child, with a current address of 116 West Roosevelt St., Middletown PA 17057. 2. The Respondent is Jo Ruch, Plaintiff in the above-captioned action, and Mother of the minor child, with a current address of 404 Gale St., Mechanicsburg PA 17055. COUNT I -MODIFICATION 3. Paragraphs 1 and 2 are incorporated herein by reference. 4. Petitioner is the natural father of the minor child. He is engaged to be marred on October 7, 2006, and resides with his fiancee, Joni Dietrich, and her two minor children, Jared Dietrich, age 12, and Trevor Dietrich, age 9. 5. Respondent is the natural mother of the minor child. She is married and resides with Kevin Ruch, her husband, Andrew and Emily Ruch, her husband's minor children, and Rikki Fasick, Respondent's minor child. 6. The current Order dated March 31, 2006, and entered by the Honorable J. Wesley Oler, Jr., Judge, is attached. The Order incorporated the terms of a Stipulation entered into between Petitioner and Respondent providing for primary physical and legal custody of the child with Respondent, and providing that Petitioner have periods of partial physical custody of the child for purposes of visitation every other weekend from 12:00 p.m. Saturday ,. unti16:00 p.m. Sunday, Thursday evenings following Petitioner's weekend visits, and ten days throughout the summer, with no more than four days to be consecutive. Said Stipulation and Order did not provide for any holiday visitation. Said Stipulation and Order also provided for reasonable telephone contact with the child as well as daily contact through email. 7. Petitioner seeks modification of the existing Court Order to allow for expanded periods of physical custody for purposes of visitation for the following reasons: a. Petitioner loves his child and wishes to spend additional time with him. b. The minor child has a strong and loving relationship with the Petitioner and with Petitioner's fiancee and her two minor children, one of whom is the same age as the child, and one of whom is three years older than the minor child. c. The Order as it is presently written does not allow for Petitioner to spend holidays or portions of holidays with his child. d. The Order as it is presently written allows for only four consecutive days of visitation at any given time in the summer, which is not sufficient for Petitioner to include the minor child in a family vacation. e. Expanded periods of partial physical custody with Petitioner will allow the minor child to develop deeper bonds and feel himself more a part of the family in which Petitioner lives. £ The sharing of legal custody of the minor child will enable Petitioner to enjoy an expanded role in decision making as it pertains to the minor child. WHEREFORE, Petitioner respectfully requests this Honorable Court issue an Order allowing for shared legal custody and an expanded schedule of partial physical custody. COUNT II -CONTEMPT 8. Paragraphs 1 through 7 are incorporated herein by reference. ,. , 9. Subsequent to the entry of the above-referenced Order, Petitioner committed a violation of conditions of his pre-existing probation, which probation was not related to the instant custody matter, as a result of which Petitioner was incarcerated from April 12, 2006 through May 22, 2006. 10. From and after the tone of Petitioner's release from incarceration, Respondent has been in contempt of the Order of March 31, 2006 by refusing to allow Petitioner any contact with the minor child, either in person or by telephone, and has denied Petitioner his Court-ordered periods of partial physical custody. 11. The Petitioner/father has incurred legal expenses in the preparation and litigation of this instant contempt action, which legal expenses were incurred solely due to the contemptuous actions on the part of Respondent/mother, in an amount to be determined at hearing. WHEREFORE, the Petitioner respectfully requests this Honorable Court to find the Respondent/mother in contempt, and further award Petitioner/father legal fees incurred in this action. Respectfully submitted, & RANG. P.C. Date: r ~ I a 6Q'0 N. Second Street enthouse Suite P. O. Box 984 Harrisburg, PA 17108 (717) 236-8000 VERIFICATION I, Brian Olson, hereby acknowledge that I am the Petitioner in the foregoing action; that I have read the foregoing Petition for Contempt and for Modification of a Custody Order; and the facts stated therein are true and correct to the best of my knowledge, information and belief. I understand that any false statements herein are made subject to penalties of 18 Pa. C.S. Section 4904, relating to unsworn falsification to authorities. Brian Olson Dated: ~ 131 6 ;~ , KOPE & ASSOCIATES BY: SHANE B. KOPE, ESQUIRE ATTORNEY I.D: 92207 4660 Trindle Road, Suite 201 Camp Hill, PA 17011 (717)761-7573 , sbkooeCa.comcast.aet JO RIJCH Plaintiff, vs. BRIAN OLSON Defendant. Attorney for PlaintifF IN THE COURT OF COMMON PLEAS CUMBERLAND-000NTY; PENNSYLVANIA N0. 01-6903 CIVIL ACTION -LAW IN CUSTODY ORDER AND NOW, this ,~ day of 2006, the attached Stipulation signed by the above captioned parties is approved and entered as an Order of the ` Court. Is~ ~~~' ~;~~ is 1'~sitrrnr/ ash<;E:~f,.~ ~Yt~.us ~ ,.. ,, ~nd,~i~~ rya. ~~ 46!~r. ~~UYY ~-1~ ~~~~d ~a, BY THE COURT: KOPE & ASSOCIATES BY: SHANE B. KOPE, ESQUIRE ATTORNEY LQ. 92207 4660 Trindle Road, Suite 201 Camp Hill, PA 17011 (717) 761-7573 sbkopela~comcast. net Attorney for Plaintiff JO RUCH IN THE COURT OF COMMON PLEAS :CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff, vs. tJO. 01-6903 BRIAN OLSON : CIVIL ACTION -LAW Defendant. IN CUSTODY STIPULATION AND NOW, this 1.5th-day of Februa-ry 2006, it is STIPULATED and AGREED by and between the parties, Jo Ruch ("Mother") and Brian Olson ("Father"), intending to be legally bound hereby, that an Order regarding the custody and visitation of their minor child Brian Olson, II (DOB: 9/10/1996) shall be entered as fol)ows: 1. Lego! Custody: It is the intention of the parties and the parties agree that Mother will have primary legal custody of Brian Olson ("Child"). The parties agree that major decisions concerning their Child, .including, but not limited to, the Child's health, welfare, education, religious training and upbringing shall be made by the Mother. Father agrees not to impair Mother's rights to primary legal custody of the Child. Each party shall notify the other of any activity or circumstance concerning their Child that could reasonably be expected to be of concern to the other. Day to day decisions shall 1 be the responsibility of the Mother. With regard to any emergency decisions which must be made, the party having physical custody of the Child at the time of the emergency shall be permitted to make any immediate decisions necessitated thereby. However, thaf party. shall inform. the other of the emergency and consult with him or her as soon as possible. Each party shall be entitled to complete and full information from any doctor, dentist, teacher, professiorial or authority and to have copies of any reports given to either party as a parent pursuant to 23 Pa.C.S. 5309. 2. Primary Physical Custody: Primary physical custody of Child shall be with Mother. 3. Partial Physical Custody: Father shall have visitation of Child in accordance with the following schedule: a. Every other weekend from Saturday starting at 12:00 p.m. to Sunday at 6:00 p.m. starting January 1, 2006. b. The week following Father's weekend, visitation will be on Thursday from 4:00 p.m: to 8:00 p.m. during the school year and Thursday 4:00 p.m. to 9:00 p.m. when school is not in session. c. Ten days throughout summer with the stipulation that only up to four of those days can be used consecutively for vacation. The remaining six days will be used non-consecutively. d. Visitation will be allowed under the following conditions: 2 i. Father agrees to abstain from the use of alcoholic beverages and narcotics during the Child's visits. ii. Father will under no circumstances be allowed to drive the Child on his motorcycle during his visitation periods. 4. The parent with. physical. custody during any given period of time shall communicate in a prompt fashion with the other parent concerning the well-being of their Child, and shall appeopriately notify the other parent of any changes in health or educational progress. 5. The parents shall organize ways for their Child to maintain his friendships, extracurricular activities, and other special interests, regardless of which household he may be in. 6. During any period of custody or visitation the. parties to this Order shall not possess or use any controlled substahce, nor shall they consume alcoholic beverages, nor smoke cigarettes inside the residence or vehicle. The parties shall likewise assure, to the extent possible, that other household members and/or houseguests comply with this prohibition. 7. Telephone Contact: Each parent shall be entitled to reasonable telephone contact with the Child which shall not be excessive as well as daily contact via a-mail with the Child when in the custody of the other parent. 3 8. Applicable Laws: Any provision iri this Agreement regarding Child custody and visitation shall be governed and enforceable as set forth in the applicable Pennsylvania Rules of Civil Procedure, as well as any other remedies available at law or in equity. 9. UCCJA and PKPA: Should it become necessary for Mother/Father to proceed in any court outside the Commonwealth of Pennsylvania or in any county outside the County" of Cumberland to enforce any of the provisions of this Agreement, such enforcement shall be, at Mother's option, in accordance with .the provisions of Pennsylvania's Uniform Child Custody Jurisdiction Act, 23 Pa.C.S.A. §§ 5341-5366 ("UCCJA") and the Federal Parental Kidnapping Prevention Act, 28 U.S.C.A. § 1738A ("PKPA"). Should it become necessary for Mother to apply to any court for enforcement of the custody obligations provided for in this Agreement, Father hereby consents to the entry of any order required by any court or pursuant to the provisions of UCCJA and PKPA and she will not oppose an application being brought pursuant to UCCJA and PKPA. 10. Modification: The .provision of this Paragraph shall be modified according to applicable law. LAW OFFICE OF SHANE B. KOPE Jo Ruch 4660 Trindle Road, Suite 201 404 Gale Street Gamp Hill, PA 17102 Mechanicsburg, PA 17050 T - ` 3 w v~ Shane B. Kope, squire aintiff S/~35ak~aen d-sw~ A aintiff coMMOri rEALxr~ o snv ~~ ~ me ~ry v,.. - / ~/~~ WashingtonNo~flvrt~p.NYork Qou~~ty Q""""om, ~~`'~-~r~ ~~~ ynny Commissbn Expires-Mara 28, 20U8 Member, Pannsyivania Assodatlon al Noteriea ~.: Sworn to or affirmed and acknowledged before me by BR N O.LSO~N / on -2.Qb- ,2,5~ , 2006 Notary P'u51ic MM ? tsZJNS AMA NohtriaF I Rebecca i'lesa, Notary Public Royalton t3oro~Dauphin Coua~r MY ComrM6sion ~pinas Jan, 9, 2008 btMnber, Panrnylv¢nla As3odatlon of NWprlsa Brian Olson 116 West Roosevelt Street Middletown, PA 17057 N.G~- ~:~JN "'- Defendant m~:~„m . . ,~. \i ~_. ~ ~T + ~ C ~ ~''` _i ,_~ ~ p _ ;; ~~ , ~ _ .. <,.~ r:; -~ \~ p~