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Home My WebLink About01-05717i Providian National Bank Plaintiff vs. . Donald E. Shartzer Defendant IN TH8 COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 001 - 5717 CIVIL TERM PRELIMINARY OBJECTION AND NOW COMES the Defendant by his Attorney John R. Scheidemann and files the within Preliminary Objection. 1. MOTION TO STRIKE COMPLAINT for lack of conformity to a rule of civil procedure. The Attorney did not execute the complaint, which was filed of record and served on the Defendant by a Sheriff of Cumberland County, and noted as a true copy from the record. This apparently violates a rule of civil procedure. 2. DEMURRER - The Complaint, as written, does not state a cause of action against the Defendant. 3. MOTION TO STRIKE FOR INSUFFICIENT SPECIFICITY IN A PLEADING. This Complaint, as stated, does not allow the Defendant to determine what purchases he has alleged to have made and when these purchases were made. It does not contain a specific invoice leading up to the allegation of a debt due and owing. The Complaint should be dismissed, or in the alternative, the Plaintiff should be required to amend the Complaint to conform with the rule of law relating to specificity in a pleading. WHEREFORE, based on the within Preliminary Objection, it is respectfully requested, by the Defendant, that the within Complaint be dismissed. Respectfully ~ul~mitted, 1 a ff// John R.,rScheidemann, Attor y-at-Law ~' 352 S. Sporting Hill Road Mechanicsburg, PA 17050 717-737-2033 Attorney I.D. #86772 ~z _' ~... ~ ~ to fRT1~ -3 ~ - __ Z~, ~,: c'a Z ~ ~;y u~ ~IS/ Q~Ss ~ .. ~~ - _, _ ~lPr?~. ;uwir5xes~assgeR. ' _ :~l`k9f~1~35t€e ~ `cpsanu.o ~- .. „~- ~ r*rxprv4's~~~ry,z®v_:3:3az*~NF~~SCd¢{e~G,'i SHERIFF'S RETURN - REGULAR CASE N0: 2001-05717 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND IAN NATIONAL BANK VS SHARTZER DONALD E KENNETH GOSSERT Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon SHARTZER DEFENDANT the at 1233:00 HOURS, on the 9th day of October 2001 at 22 SINCLAIR RD MECHANICSBURG, PA 17055-2807 DONALD E SHARTZER by handing to a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 5.85 Affidavit .00 Surcharge 10.00 .00 33.85 S ow r r R. Thomas Kline 10/10/2001 PARK LAW "^^^^T°"'^^ Sworn and Subscribed to before By: me/tphis /7'~ day of lX e "~o-.Q.e.v ~ (ry i A . D . 2~Q. ivc.cXX.c,~~~ rothonotary VALERIE ROSENBLUTH PARK, ESQUIRE Attorney x.D. #72094 PARK LAW ASSOCIATES, P.C. 25 East State Street P.O. Box 1779 Doylestown, PA 18901 (215) 348-5200 ATTORNEY $OR PLAINTIFF IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PROVIDIAN NATIONAL BANK Plaintiff VS. DONALD E. SHARTZER Defendant NO. 01-5717 NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by an attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for other claims or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO, OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE Carlisle, PA 17013 (717) 249-3166 (800)990-9108 THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. VALERIE ROSENBLUTH PARK, ESQUIRE ATTORNEY I.D. 72094 PARK LAW ASSOCIATES, P.C. 25 EAST STATE STREET, P.O. BOX 1779 DOYLESTOWN, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF PROVIDIAN NATIONAL BANK 219 MAIN STREET TILTON, NH CUMBERLAND COUNTY COURT OF COMMON PLEAS PLAINTIFF VS. DONALD E. SHARTZER 314 BRADY LANE MECHANICSBi7RG, PA 17055 DEFENDANT NO. 01-5717 AMENDED COMPLAINT COIINT I - CIVIL ACTION - LAW 1. The Plaintiff is Providian National Bank, a national banking association, located in New Hampshire and existing under the laws of the United States of America with a place of business located at 219 Main Street, Tilton, NH. 2. The Defendant is Donald E. Shartzer an individual residing at 314 Brady Lane, Mechanicsburg, Pennsylvania. 3. At the request of the Defendant, Providian National Bank issued to Defendant a credit account, specifically a Providian Mastercard Account. The account number now is 5418-2750-0212-5832 and at all times relevant hereto, Defendant was the holder of said credit account issued through Plaintiff's credit facilities. 4. Upon Defendant's acceptance and use of the credit account, Defendant agreed to be bound by the terms and conditions of the account agreement. A true and correct copy of said agreement is attached hereto, made a part hereof and marked Exhibit "A." 5. The Defendant incurred obligations on the account in the sum of $4,163.15, no part of which has been paid since January 27, 2001 although duly demanded. A true and correct copy of the account statements are attached hereto, made a part hereof and marked Exhibit "B." 6. The account statements, attached and marked as Exhibit "B," provide a detailed explanation of charges incurred by Defendant on the Credit account. 7. Over a period of years, the Defendant continuously utilized Plaintiff's credit facilities and during that period, the Defendant made numerous payments on the account, acknowledging the debt. 8. The payments contained in Exhibit "B" indicate that the Defendant has acknowledged the validity of the account within the applicable Pennsylvania Statute of Limitations. A true and correct copies of checks made payable to Providian National Bank and endorsed by the Defendant is attached hereto, made a part hereof and marked as Exhibit "C." 9. Notwithstanding the frequent demands by Plaintiff for payment of the amount due, there has been a failure and refusal by the Defendant to pay the same or any part thereof. 10. In accordance with the terms of Exhibit "A", Defendant agreed to pay a finance charge on all sums due at an annual percentage rate of 21.90% and Plaintiff is entitled to additional finance charges from January 27, 2001. 11. In accordance with the terms of Exhibit "B", Defendant agreed to pay a reasonable attorney's fee if the account was referred to an attorney for collection, and Plaintiff will incur an attorney's fee in the amount of $707.00. WHEREFORE, Plaintiff demands judgment against the Defendant in the sum of $4,163.15, plus interest from January 27, 2001, plus attorney's fees of $707.00 and costs of this action. ALTERNATIVE COUNT I - QUANTUM MERUIT In the event it is determined that no oral or written agreement existed in fact or law between Plaintiff and Defendant as alleged in Count I, the Plaintiff alleges as follows: 12. Plaintiff realleges each and every allegation contained in paragraphs 1 through 11 of this complaint and incorporates each paragraph herein by reference as if the same were set forth at length. 13. The Defendant received a monetary benefit of $4,163.15, which was in fact appreciated by the Defendant. "Appreciated by the defendant" meaning among other things that the Defendant received a benefit from the Plaintiff by utilizing the Plaintiff's credit facilities and incurring charges on the Providian Credit Account. 14. The Defendant accepted the Monetary benefits of a credit account issued through the credit facilities of Plaintiff. "Accepted .the Benefits" means among other things that the Defendant either passively or actively received benefits from the Plaintiff which would be unconscionable for him to retain without repaying the Plaintiff. 15. By virtue of the circumstances surrounding the request for funds made, the defendant knowingly requested the funds in issue and knowingly and voluntarily accepted the benefits bestowed. 16. It would be inequitable for this Court to allow the Defendant to retain the benefits of the funds or to be unjustly enriched at the expense of the Plaintiff or allow the Defendant to retain the value of the funds at issue without repaying the Plaintiff the value of same. 17. In accordance with the law, there is interest due at the rate of 6's per annum from January 27, 2001. WHEREFORE, Plaintiff demands judgment against the Defendant in the sum of $4,163.15 plus interest from January 27, 2001 and costs of this action. PARK LAW ASSOCIATES, P.C.. By: VAL RIE SENBLUTH PARK, ESQUIRE VERIFICATION I, ER KOOREMAN declare that: I am a Designated Agent of PROVIDIAN NATIONAL BANK, the Plaintiff in this action, and I am duly authorized to make this verification on its behalf. I have read the foregoing complaint and know the contents thereof; that the same is true of my own knowledge, except as to those matters stated on information and belief and, as to those matters, I believe them to be true. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities I declare under penalty of perjury that the foregoing are true and correct. Executed at Alameda County, in t Sta e of California. (~ S U Date Designated Agent J^: ~ ~ ~ -~PROVIDIAN Fanancial Providian National Bank VISAO or MasterCardO Account Agreement for Donald E Shartzer January 3, 2001 with your other important papers. This Account Agreement contains the terms which ggo~vern YYo "Account"). The Account allows. you to make purchases by using your VISA or MasterCs idvances, from us or any other partapahng flnanclal institution and from Automated Teller Mac an additional way to use the Account. In this Agreement, "you" and "your" mean each perso Ir,' "ours "and "us" mean Providian National Bank or its assignees, as fisted on your billing sta ousehold, and charitable purposes, and not for any business or commercial purpose. Any use s Pgreement. You and we agree as follows: ton this Account is required in U.S. dollars (checks m un on your statement by the payment due date in accol ales we fallow when we post payments. Convenience c lake payments on any other account you have with us tmhan $15 (unless yourenew balance Is lesslthand~15ein or above he credit Ilne, we may require a higher mil gg it will be treated as a single payment.and none of it paid in full" or marked with other restnctions, without be Iection of this Agreement finance charges begin to accrue on a debit iced byy a payment or credlt. Your Account has the following balances: u purchases you make with your Card and fees for certain optional that you transfer to your Account using balance transfer checks and of all other cash advances and cash advance transaction fees. Any will ordinarily be applied first to the Balance with the lowest Annual text lowest APR, until that Balance is zero, and then to any remaining reduced by payments as of the date received, and by credits as of the I Custom cash advances are included in your Custom Cash Advance glances, as of the date transmitted; checks to transfer. balances, as :date we pool on the checK~ all other checKS, as of me date presented to us. other oebas are mcluoea m your avance Balance as of the date posted. Finance charcLes are added to your Pumhase, Custom Cash Advancs are then posted on the last day of the belling cycle. there Is no Grace period for custom cash advances or To figure the,dail finance cha a for each type of B lance, we start with our previous day's Balance add all debits and subtract all credits for tie current day and mul6pl t~e net amoun~by the a~pllcable dai~~nodlc rate (see tYollowing pare~phs). The finance charge for each type of Balance is then added to and incltlciec~in that day's Balance. a treat a cr It balance for any day as zero. a determine the total finance charges on balances for the billing cycle by adding together the finance chames for each type of Balance for each day within the billing cycle. In calculating finance charges, an adjustment will be made for any transaction or payment that would have affected the finance chage calculation in a prior billing cycle had it been posted in that cycle. The applicable daily periodic rate for such a transaction well be the rate in effect for the current billing cycle rather than the rate in effect on the date of the transaction. Your statem@nt includes an average daily balance for each ty Ipe of Balance. You can multiply each average daily balance that is not zero by the number of days [n the btlling cycle and the. pedodic rate to obtain subtota s and then add the subtotals to ether to deCermine your total finance charges on balances for the bi ling cycle. If a cash advance transaction fee is charged, that amount is also a finance c~iarge. The term "prime Rate" as used in the Agreement means the highest prime rate,published in the Wall Streef Journal on the first business day of the previous calendar month. Any increase or decrease in the Annual Percentage Rate well take effect on the first day of your billing cycle and may result in a slight increase ordeciease in the amount of your ~~m~~inimum payment. gg be lapse tNhan 19 99%E UsingEhl~s f ErmAlaRther~~Rhfor purmchases inntdhe January 2001 billinglll~cle Ys121 74`% corraesponding t Ra d'aibly peniodicoraete of 0.05956%. The ANNUAL PERCENTAGE RATE for custom cash advances may vary and will be adI'usted each billing cycle to 1224°~ above Prime Rate butwill in no event be less than 19.99%. Using this formula, the APR for custom cash advances in the January 2001 billing cycle is 21.74%, corresponding to a daily parodic rate of 0.05956%. The ANNUAL PERCENTAGE RATE for cash advances is 21.99°h, corresponding to a daily periodic rate of 0.06025%. If we r~eive our Account payment late 2 or more times in any 6-month rind, on each such occurrence we may increase the APR for urohases up to a maximum of y13.30°A (corresponding to a daily periodic rate of 0.06384 and increase the APR for cash advances and custom cas~i advances up to maximum of 23.30% (corresponding to a daily pedodiq rate of 0.06384°~). f after you receive the hi her rates your payments are received on time and you meet a_II__other te_r_m_s_o_f_this Agreement for 3 consecutive months, you may contact our Customer Service department and, at your request, we will rewew ..~.. • ..~~5 .LI. /. Grace Period for Purchase Balance. New purohases posted to your Account in billing cycles with no previous balance or when the previous balance was fully paid during thecvcle do not begin to incur a finance charge until the start of the next billing cycle. You will pay no finance charge on such new pumhases if you pay 0te Total new balance in full by the pa ant due date shown on your statement. New purohases posted in any other billing cycle incur a finance charge, and there is no period in which such purchases may be repaid without incurring a finance charge. Fees. We may charge your Account $0 for. each Card you ask us to replace; each returned payment; each check you write on your Account that we return unpaid; each stop payment order or renewal of such an order, each billing cycle within which your Acceunt is delinquent (late charge); and each billing cyycle within which your balance exceeds your credit line (ovedimit fee), even ii your Account Is closed. If you request copies of billing statements that were first sent to you more than three months eadier, we may charge a handling fee of 2 for each such copy. If you request that we make cone-time automatic ~aa A..~~w~~ (Continued on reverse) (5846-0698) 5418275002125832 1523 015 zsei w.. andm will apply Wardle saof whektlier funds are available Inyou~opersonal checking account to make5tie payment4uest. This fee is a FINANCE CHARGE, We maY cha, e, a transaction fee of 3°k (minimum $5), which is a one-Ume FINANCE CHARGE, on the amount of each cash advance, including cash from financial insUt9uuons, and ATMs, wire transfers, money orders, lottery tickets, casino gaming chips, and similar transactions. Default. You will be in default: if any information you provided us proves to be incgmplete or untrue; if,you do not comply with any part of this Agreement; upon Your death, bankruptcy, or insolvency; if you do not pay other debts when due; if a bankruptcy petition is filed by or against you; or if we believe in good faith that you may not pay or perform Vour obligations un er this Agreement. If you are in default we may, without further demand or notice, cancel your credit privileges, declare your Account valance immediately, due and ayabJ,e and use any remedy we may have. In the event of your default, the outstanding balance on our Account shall continue to accrue interest at ~he A Id(s) disclosed in the Finance Charges section of this Agreement, even if we have filed suit to collect~he amount you owe. Credit Line. Your credit line is specified from time to Ume in a separate notice. Your monthly statements show your credit line and the amount of our available credit. We may increase or decrease your credit line based on infonnalion we obtained from you or your credit records. Your available credyit is normally the difference betweer) yqur credit line and your Account balance (including transactions made or authonzed but not yet posted). If, u send us a large payment check, we may limit your available credit while we confirm that the check will clear. For certain transactions available credit~may be less. You will not use your Account for, and we may refuse to honor, eny transaction which would cause you to exceed your available credit, Promise to Pay. You promise to pay us when due all amounts borrowed when you or someone .else use your Account (even if the amount charrgqed exceeds your permission), all other transactions and charges to your Account, and collection costs we incur including, but not limited to, reasona~ule attorney's fees and court costs. (If you win the suit, we will pay your reasonable attorney's fees. and court costs.) Changes. After we provide you any notice required by law, we may change any part of this Agreement and add or remove requirements. If a change is madelo the Pinatas Charges section of this Agreement, the now finance charge calculation will appp~~yto your entire Account balance from the effective date of the chan e. Cha es volt apply to balances that include items posted to your Account before'the date of the change, and will apply whether or not you continue toLse the~ccount. Foreign Exchange/Currency Conversion. If you use your Card for Uansactions in a Curren other than U.S. dollars the transactions will be converted to U.S. dollars, enerelly usin either a (i~goyemment-mandated rate or (ii) wholesale marke~rete in effect the day before the transaction is processed, increased by t~iree percent (~°k). If a c d is subsequently, given for a transaction, it will be decreased by the same pementage. The currency conversion rate used on the conversion date may differ from the rate in effect on the date you used your Card. You agree to accept the converted amount to U.S. dollars. The Card• Cancellation. You may cencel your credit privil es at any. Ume by notifying us in wdting and destroying the Card(s). Upon the Card expiration at the end of the month shown on it, we reserve the rigght not~to renew a Card. We maycancel the Card and your credit privileges at arty time after 30 days notice to yoy or without notice if permitted by law. if your Card is cancelled or not renewed, finance charges and other fees will continue to ebge assessed, can el o do notnrenew the Ca~rde'youdma11y no Iong~er cewnte ch~ks on your Account and you should deoey a y unused Checks we h et Issuedto you ~ wa Personal Information; Documents. You will provide us at least 10 days notice if you change your name, home or mailing address, telephone numbers, employment or income. Upon our request, you will provide us additional financi I information. We reserve the right to obtain information from others, including credit reporting agencies and to provide your address and information aeout your Account to others. We may also share information with our affiliates. However, you may write fo us at any Ume insWchng us not to share credit information with our affiliates. If you o not fulfill your obligations under this Agreement, a negative credit report that may reflect on your credit may be submitted to the credit reporting agencies. Customer Service; Unauthorized Use, Loss, or.Theft of Checks_or the CaM. Each Card must be signed on receipt. You are responsible for [Here. m~y be an unautnonzed transaction on your a and habi ity you will phone us even though you ma loss or theft If you report or we suspect unauthon satisfaction or issue you a new Card. If your Card; and security, you agree that your calls maybe moor Merchant Relations. We will not be liabferf any Card to you. W have no responsibility for goods Certain benefits ~at are available with the Account of the services you choose to use. Stop Payment Orders. If you wish to stop paymen listed on your statement. You can make a stop pa i you must provide your Axount number and speck was. payable, the name of the person whd signed, t1 disregard your oral order'd we do not receive a sig descnption of the item so that payment can be stopF act on the order. We may, without liability, disregan e sups. You agree to check yi of Certain Rights. We ma i later. You waive: the ngh~ require us to proceed against us •hines) and any checks issued to You fused checks are lost or stolen or [hat we can immediately act to limi{losses ase occumng before you noUty us of a s until we resolve the problem to our iession. To improve customer service person or Automated Teller N~achine refuses to fkonor the Card or acceppt your checks or fails to return the and services urohased wit the Card or chec s except as required by law. (See Special Rule below.) are provided aythird-party vendors. We are not responsible for the quality, availability, or results of any on termer your cancelled checks nor Card t check register or otherwise keep a reci tthly statements against your record ant or waive enforcement of any provision ~entment, demand protest, or notice of ~ before we file sui(against you. ~L No matter where you live, this Agr ment order by writing to us at our address for customer service ted on your statement. When You make a stop pa ment order mount, the date on the check, the name of the party to whom i{ keg to confirm an oral stop payment order in wn~' ing. We may s after the oral order, or if we have not receiv an adequate heck was paid by us before we had, a reasohable opportunity to s after receipt unless it is renewed in writing. which are processed through separate national systems before ~e sent to us, transactions m your Account will be processed our attention to certain items which we will examine. We will Ne dp not intend ordinarily to exemine all,items, and we will-not we in good faith will exercise in administering your Account. cn sli~s will be returned to you with t~e monthly statement, you em. , ou should also save your cre it card cash advance. and y us immedately of any unauthorized transactions or errors. Agreement, without losing our right to enforoe it or any other ~r, any applicable statute of limitations; and any right you may and your Account are eovemed by federal law and by New or vnmout nonce it permitted bylaw, cancel the Gard and your Credit privileges. We may transfer or assign our rghf td all or some of your or ~, ~~j PROV I DIAN Financial state law requires that you receive notice of such an event to protect the purchaser or assignee, we may give you such notice by filing a financing statement with the state's Secretary of State. Notices. Other notices to you shall be effective when deposited in the mail addressed to you at the address shown on our records unless a longer notice period is specified ih this /agreement or by law, which period shall start upon mailing. NoCice to us shall be mailed to our address )or customer service on your statement (or other addresses we may specify) and shall be effective when we receive it. vouR eil.uNC RIOHTS --KEEP 7Hrs worrce Fort FuTURe use. This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us in Case of E rrss or Questions Aboyt Your Bill. If, you think your bill is wrong or if you need more information about an transaction on your bill, write us on a separa~sheet of the address Irsted in the Billing Rights Summary on your bill. Write to us as soon as possible. We must hear from you no later than 60 days alter we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: -- Your name and Account number. -The dollar amount of the suspected error. -- Describe the error and explain, if you can why you believe There is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your credit card bill automatically from our checking account, you can stop the ppayment on any amount you think is wrong To stop the payment, your letter must reach us three business days before the autorttatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Your Written Nofjce., We must acknowledge your letter within 30 days, unless we have correctei9 the error by then. Within 90 days ,we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report yeu as. delinquent. We can continue to bill you for the amount yyou question, including finance charges, and we can apply any unpaid amount against our credit line. You do not have to pay any questioned amount whle we are investigating, but ybu are still obligated to pay the parts of your bill that are no~in question. If we find that we made a mistake on your bill, you will not have to pay any finance charge related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up the missed payments on the questioned amount. In either case, we will send you a statement of the amount you, owe and the date that it is due. If yvou tail to ppay the amount we think you owe, we may report you as delinquent. However, if our explanation does not satisfy Vou and you write to us within 10 days teeing us that you still refuse to pay, we must tell anyone we report you to that You question your bill. ,And, we must tell you the name of anyone we reported you to. ~~le must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct. Special Rule for Credit Card Purchases. If you have a problem with the quality of the property or services that you purchased with our credit card and you have tried in good faith to comect the problem with the merchant, you may not have to pay the remaining amount due on the geods or services. There are two limitations on this n ht: (a) you must have made the purchase in your home state, or if not within your home state, wit~iin 100 miles of your current mailing address; and (b~the purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. 2561 ACCOUNT NUMBER PAYMENT DUE DATE 5418-2750-0212-5832 _n`~,~~~t 9 DONALD E SHARTZER 314 BRANDY LN MECHANICSBURG PA 17055-2807 PROVIDIAN MASTERCARD MINIMUM PAYMENT AMOUNT ENCLOSED ~~" t$ ABI7~.: Make Chseka Pryable Te Providlan Page 1 of 1 000000 5418275002125832000740003715850 TRANSACTIONS Poet Date DeacrlOtlon Transaetlon Date Amount 04-06CASH ADVANCE FROM - PRONOTIONAL CASH ADVANCE 04-05 75417289096040699052873 5621 3,700.00 ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance 520.OSt:R ~'$QO'~$'~866 NEW BALANCE C dit IL 53,715.55 - Credits .pp re ce 54,000 • Payments ,p0 Available Credit 5'264 + Purchases & Aeeount Number 5416 2750 0212 5832 MlNmum Payment 574.00 other Charges ,p0 Payment Due Dele OSMB/98 + Cash Advances 3,70D.OD t FlNANCE CHARGE ~~~ Average ANNUAL Dally Bielemant Dsla + Leta Charge .00 Type of Balance Daily PERCENTAGE Periodle OM23/99 =NEW BALANCE 53,715.65 Balance RATE Rate Purchase 5.00 16.65% .0456%" 20 Dsya In Cash Advance 52,422.75 16.65% .0571 % Bllling Cycle Jl"L:iZ3UW 7523 1525 PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! 'Deity Peiotlia Rate mey vary EXHIBIT ~~ ~~ ACCOUNT NUMBER 5418-2750-0212-5832 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED lMka Chaska Payable To Prevldbn DONALD E SHARTZER 314 BRANDY LN MECHANICSBURG PA 17055-2607 Gat Inatam cash when you see a ehxk attached to the botmm of your stabment F01In airy amount up m your avallabb cmdlt. Page 1 of 1 ooaovv PROVIDIAN MASTERCARD 5418275002125832000740003745130 ---------------------=--------------------------------------------------------- Fxebebely for ProWdlan MeabrCard tatatomam: Looklnalda toreuitlng oppormtiltles foraummer havalaM weekend getawaycl ' You can have axua to your cmditeard Ildormatlon attytlme,anywhere. Chackyour ava6abb bab~tce, track your charges, or sea when your itezt paymem Is due. Ts barn mom, go to www.proW0lancard.com TRANSACTIONS Poet Date Deacri0tlon Transaction Date Amount 05-20PAYMENT RECEIVED -- THANK YOU 05-20 75417289340000400300557 0000 74.00 PY ACCOUNTSUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance 53,715.85 1-800-688-1866 NEW BALANCE i u _ 53,745.13 - create: •gg cred t ne 54,OOo - Payments 74.00 Available CrerOl 5454 + Purtdtasaa & Aeebunt Number 5918 2750 0212 5632 Minimum Payment, ~ ~ ~ $74.00 other Charyes .00 Paymunl Due Data ~' 06!20199 + Cuh Advances .00 + FlNANCECNARGE 74.28 Average ANNUAL -Dally 6lmamsm Osb + Lafe Charge 29.00 a of Balance Dally PERCENTAGE Periodic ~ 05/26/99 = NEW BALANCE 53,745.13 Balance RATE Rate Purchase 5.00 79.99X .0.548%* 880aye in Cash Advance 53,736.08 21.99% .0802 Y. Billing Cyeb 3759aa0W 7523 7525 PROVIDIAN NATIONAL BANK 'Oaiy Periotlio Rata mey very We appreciate your business. Thank You! ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT 5418-2750-0212-5832 u~N~~D, ~~ "~ PINY DONALD E SHARTZER 314 BRANDY LN MECHANICSBURG PA 17055-2807 Page 1 of 1 000000 AMOUNT ENCLOSED Nake Cheeks Psyabb Te Provldlan PROVIDIAN MASTERCARD 54182750U2125832000750003738480 ------------------------------------------------------------------------------- TRANSACTIONS Poet Date Dascriotion - Trensactlen Date Amount 06-17PAYNENT RECEIVED -- THANK YOU 06-17 75417289160000401880733 0000 74.00 PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance $3,745.13 1-800-68&1866 NEW BALANCE cremt Line 53,738.48 SgoaD • cremts oD Available Credit 5267 - Payments + Purchases & 7q,Dp Account Number 5418 2750 0212 5832 Mlnlmum Payment 57$.DD other Charyes ,Op Payment Due Date O7I20/88 + Cash Advances ~~ + FlNANCE CHARGE ~~~ Average ANNUAL Daily ~ 9lsbrrsnl Dste + tale Charge .DD Type oP Balanee Daily PERCENTAGE Periodic DtU25/99 =NEW BALANCE Xt,736.48 - Balance RATE Rale purchase 5.00 [8.89 .0548%• 80 Dsye In ' Cash Advance 53,726.43 2T.89Y. .0602% 81111n8 Cycb 3725250D0 7523 7515 PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! 'Ody Panodio Re[e may very ,~ ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED 5418-2750-0212-5832 r i2tl<~ ~ Sr.INI Make Cheeks Payable To PrSVldlan DONALD E SHARTZER 314 BRANDY LN MECHANIC56UR~ PA 17055-28D7 Page 1 of 1 aooooo PROVIDIAN MASTERCARD 541827502125832000750003733140 TRANSACTIONS Peat Date DescrlDtlon Tren~ctlon Date Amount 07-21PAYNENT RECEIVED -- THANI( YOU 07-21 75417289202000403883170 0000 75.00 PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION PreNous Balance $3,739.48 1-800-688-1866 NEW BALANCE i 53,733.14 - credo: .oD Cred t Llne Sa,ooD - Payments 7800 Available Credll 5260 + Purchases & Atxount Numper 5418 2750 D212 8932 Mlnlmum Payment 575.00 other Charges .00 Payment Due Dale 08120199 + Cash Advances .00 + RNANCECHARGE ~•~ Average ANNUAL Daily Blslement Dale + Leta Charge .OD Type of Balance Daily PERCENTAGE Periodic ~ 07/26/99 =NEW BALANCE 53,733.14 8alantx RATE Rate Purchase 5.00 19.99% .0548%" 91 Dsys In Cash Advance 53,730.011 21.99% .0602% _ Bllling CycM 37WUWW 7523 7525 PROVIDIAN NATIONAL BANK 'Dally Perlotlio Pate may very We appreciate your business. Thank You! ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT 5418-2750-0212-5832 "~ ~~let@~r~~9#~ ~~~ ~ '~1~-..' DQNALD E SHARTZER 314 BRANDY LN MECHANICSBURG PA 17055-2807 AMOUNT ENCLOSED Msks Checks Payahln Te Pwvldlan Get I~hm qah when you sae a cheek attached to the bottom ofyoursfalemem. Page 1 of 1 000000 PROVIDIAN MASTERCARD 541827500212583200075000372526U ------------------------------------------------------------------------------- When you sae a check attached to the bottom of your statement, wren am/ amou m up to your avallffik eredlR than ahnpry deposit the cheek to gut the pah you need. Plgse see the enclosed changes to your accou m brma and importam IMOtmatlon ffioutyour Pwllldhrn account TRANSACTIONS Poet Date Deecrietldn Trans Date Reference Number Amount 08-13PAYNENT RERE EIVED -- THANK YOU 08-13 75417289225000408783659 0000 75.00 PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION PreWeus Balance 53,733.74 1~~0~~~1866 NEW BALANCE Credit Liao 53,725.26 000 54 - Credits .110 Available Credit , 5274 - Payments + Purchases tk 75.OD Account Number 5416 2750 0272 5832 Minimum Payment 575.00 other Charges ,O0 Payment Due Date 09/19A9 + Cash Advances .00 + FINANCE CHARGE 67 72 Average ANNUAL Daily 6lslamem 0aM + Late Charge . .00 TyPe of Balance Daily PERCENTAGE Periodic 00/25/99 =NEW BALANCE 53 725.28 Balance RATE Rafe . purchase 5.00 79.98% .~48%• 96 Dsyc In Cash Advance 53,773.74 27.99% .9602 Y. Billing Cycle 375252000 1523 7$25 PROVIDIAN NATIONAL BANK 'Deity Periedlo irate may very We appreciate your business. Thank You! ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED 5418-2750-0212-5832 ~Xt~~'~§~~8_~ ': ~ i SIN Make Cheeks Payable Ta Provldlan DONALD E SHARTZER 314 BRANDY LN MECHANICSBURG PA 17055-2807 Getlnsfam esshwhen you sea a check below. Page 1 of 7 oa0000 PROVIDIAN MASTERCARD 5418275002125832000740003717520 When you sea a cheek atlaeled to the bottom of your stahemem, simply write any amoum up to Your avalbutb eradlt is get the cash you need TRANSACTIONS Poet Date Description Trans Date Reference Number Amount 09-16PAYNENT RECEIVED -- THANK VOU 09-16 75417289259000401900499 0000 75.00 PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance 53,72526 1-800.688-1866 NEW BALANCE creait une 53,777.52 sa,o9D - credlU .DO Avallabla Cret9t 5282 - Payments ~ t Purchases & 75.00 Aeeount Number 547 8 2750 0272 5832 Minimum Payment,` ;, ~ 574.00 other Charges - .Olt Payment Due gate 7D/19AN) t Cash AdVaneea + flNANCE CHARGE .Olt ~~~ Average ANNUAL ~ ::,pally,- BlsNnrnl Dnts ~ + tale Charge .00 Type of Balance Daily PERCENTAGE Periadlo 09/24!99 =NEW BALANCE 53,777.52 Balance RATE Rate purchase 5.00 79.99% .0548%' ~ 90 Osya In Cash Advance 53,721.3D 27.99Ye .0802% BIIIIng Cycb 378989000 1523 15211 PROVIDIAN NATIONAL BANK 'pay Periotlio Role may very We appreciate your business. Thank You! ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED 5418-2750-0212-5832 ~„ ~1'~fif'"7~yt '~ _ ~ "~7iRi Maks Cheeks Payable To Provldlan DONALD E SHART2ER 314 BRANDY LN MECHANICSBURG PA 17055-2807 Page 1 of t ooaoao PROVIDIAN MASTERCARD 541827500212583200074~U03712970 ------------------------------------------------------------------------------- Enpy great savings w0sn you remacar from Hertel Please see lnssrtfar dafalle. Look Inside for esemng chopping savings eerlMeatea. a's curway of saying "THANKYOU"for using your ProvMlao MasterCard TRANSACTIONS Peet Date DesvriDtion Trans Date Reference Number Amount 10-15PAYMENT RECEIVED --THANK YOU 10-15 7541728928899140039D747 DODO 74.00 PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance 53,777.52 1-800-688-1866 NEW BALANCE Credll Line 53;772.97 Sa D00 - credits Do Available Credll , 5287 - Paymanls + PurMasea & 7q.pp Account Nund7er 5418 2750 0272 5832 M1Nmum Payment 574.00 other Charges .pp • ' ~~ Payment Due Date 17M8/99 + Cash Advances + FINANCE CHARGE .DO ~ ~ Average ANNUAL Daily 8fatamsnl Onb + Late Charge • ~~ Type of Balance Dally PERCENTAGE Periodic [0/25/99 = NEW BALANCE 53,772.97 Balance RATE ~ Rate Purchase 5.00 20.2q% .0555%" 81 Days In Cash Advanea 53,778.81 21.99% .0602% Bllling Cyob 3767670W 7523 7528 PROVIDIAN NATIONAL BANK 'Daly Fbriotlio Fiala mry very We appreciate your business. Thank You! ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED 5418-2750-0212-5832 ~,B~~"'~ ~ ! ', Make Cheeks Payable To Provldlan DONALD E SHARTZER 314 BRANDY LN MECHANICSBURO PA 17055-2807 Page 1 of 1 aocooo PROVIDIAN MASTERCARD 5418275002125832000740003706220 ---------------------------------------------------------------------------- TRANSACTIONS Poet Date De~rlDtion Trena Date Reference Number Amount 11-15PAYMENT 'RECEIVED --THANK YOU 11-15 75417269319991400110791 0000 74.00 PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION PreWous Balance 53,792.97 ~~~~$$~1866 NEW BALANCE Credit Una $3,706.2'1 000 54 • Credits .00 Available Credll , 5293 -Payments + Purchases & 74.00 Aeeount Number 549 8 2750 0212 5832 Mirdmum Payment 574.00 other Charges .00 Payment Due Dale 12/ilV99 + Cash Advances + FINANCE CHARGE •00 ~~6 Average ANNUAL Daily Bletsment Dste + Late Charge .00 Type of Balance Daily PERCENTAGE PeNodie 11/24/99 =NEW BALANCE 53,706.22 Balance RATE pale Purchase 51.07 20.49% .0.567%" 80 Dsys In Cash Advanea 53,779,65 29.99Y. .0602% BIIIInO CycN 310000000 7523 7526 PROVIDIAN NATIONAL BANK 'Oaiy Periodio Rela may very We appreciate your business. Thank You! ACCOUNT NUMBER 5418-2750-0212-5832 PAYMENT DUE DATE MINIMUM PAYMENT 41„~~' xlt~tt ~ ~ $74:t#11' DONALD E SHARTZER 314 BRANDY LN MECHANICSBURG PA 17055-2807 Page 1 of 1 oascoo AMOUNT ENCLOSED AAnks Cheeks Pryahla To Provldlan PROVIDIAN MASTERCARD 54182750U2125832000740~03706260 -----=------------------------------------------------------------------------- Please read the anelosed brochure about how to malmaln your good credit ProvMhn Rmmhl wlshea you and yours a happy antl seta holiday season. TRANSACTIONS Post Date Description Trans Date Reference Number Amount 12-2PPAYMENT RECEIVED --THANK YDU 22-26 75417289354991460530596 6000 74.60 PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previews Balance 53,706.22 1.80-688-1866 NEW BALANCE Credit Line 53,706.26 54,000 • Cretllh .00 Available Cretlit 5293 • Payments + Purchases & 7q,00 Account Number 5478 2750 0212 5832 Minimum Payment 574.00 other Charges ,DD Payment Due Date 01f21A0 + Cash Advances + FINANCECHARGE - .OD 74 04 peerage ANNUAL Daily ehtanpnt Dam + Late Charge . ~~ Type of Balance Dally PERCENTAGE Parlcdic 12/27/99 = NEW BALANCE 5a,706.2B Balance RATE Rate purchase 5.00 20.49% .0567 Y." 83 Drya In Cash Advance 53,724.09 21.99Y. .0002% Bllling Cynb 376767050 7523 1528 PROVIDIAN NATIONAL BANK 'Deily Pariadio Fie[e mey very We appreciate your business. Thank You! ~ ACCOUNT NUMBER 5418-2750-0212-5832 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED Make Checks Payable Ta Pravldlan DONALD E SHARTZER 314 BRANDY LN MECHANICSBURG PA 17055-2807 Pege 1 of 1 aooooo PROVIDIAN MASTERCARD 5418275002125832000740003697200 TRANSACTIONS Post Date Deecri9tion Trana Data Reference Number Amount Ol-18PAYMENT RECEIVER --THANK YDU 01-18 764172!{0018991406271491 0000 74.00 PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balanee 53,70628 1$00-688-1886 NEW BALANCE credit une 53,697.20 Sa,DDo . Credits .DD Available CrerOt 5302 - Payments t Purchases & 74.00 Aeeount Number 5418 2750 0272 5832 Minimum Payment 574.00 other Charges .00 Payment Due Date 02A9AW + Cash Advances + FINANCE CHARGE .00 04.94 Average ANNUAL Dally 9lebttsnt Date - + Late Charge .00 Type of Balanee Daily PERCENTAGE PeNodie 01/25/OD _ =NEW BAUINCE 697.20 53 Balanee RATE Rafe , Purchase 5.00 20.49% .0567 Yo" 20 Dsya In Crib Advance 53,777.14 21.99% .0602 Ye Bllling Cyeb 37W00000 7523 7526 PROVIDIAN NATIONAL BANK 'Deily Periodic Rate mey vary We appreciate your business. Thank You! ' _ ACCOUNT NUMBER PAYMENT DUE DATE }MINIMUM PAYMENT AMOUNT ENCLOSED 5418-2750-0212-5832 k31sS1lSRI~ t $BB Make Cheeks Pryshle To Provldlan DONALD E SHARTZER 314 BRANDY LN MECHANICSBURG PA 17055-2607 Page 1 of 1 000000 PROVIDIAN MASTERCARD 54182750021258320~0740~03690210 ---------------------------------------------------------------------------- TRANSACTIONS Poet Date DeacriDtMn Trans Date Reference Number Amount 02-16PAVNENT RECEIVED --THANK YOU 02-16 75417280047991400070522 0000 74.00 PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance $3,697.20 ~$~~~~&1866 NEW BALANCE Cretllf Lino 53,690.21 000 54 • Crotlita .00 Available Credit , 5309 • Payments + Purchases 74 7q,Op Aeeoum Number 847 8 2750 82 7 2 51132 Mlydmum Paymenf 574.00 other Char9ea .DO Payment Due Date 03/20!00 + Cash AdVantass + FINANCE CHARGE .00 67.07 Average ANNUAL Daily - Bhletront Dete ` =NEW BALANCE 53,690.27 Type of Balance Dally PERCENTAGE PeHettle 02!24!00 Balance RATE Rate PurtYtase 5.00 211.74% .056(1%" 90 Daya In Cash Atlvanea 53,707.38 21.99% .D602Ye Bllling Cyeh 37000W00 7b33 7528 PROVIDIAN NATIONAL BANK 'Deiy Periotlio Pete mey very We appreciate your business. Thank You! ACCOUNT NUMBER 5418-2750-0212-5832 PAYMENT DUE DATE MINIMUM PAYMENT A~MOUNT ENCLOSED ,:..:-~ 7dPt7~.~3iU197 t ...~ ~~-: I~-J Make Cheeks Payable To Provltllan DONALD E SHARTZER 314 BRANDY LN MECHANICSBURG PA 17055-2807 Page 1 of 1 ooacoo PROVIDWN MASTERCARD 54182750021258320007400D3689880 ------------------------------------------------------------------------------- ProWtllan eardhaldsrs will Ddvn Happy(SM) with year•round dlscooms off Alamo'a low mta0 relae. dust melee Alamo(R) car, then gdn and bank Ute savtngsl for roserva0ons, call Alamo at 7.800.9542522 Be son to request ID a 814808 and Hate Cade BY. ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance S3,tY3g21 1-800-688-1866 NEW BALANCE crealt une 53,686.68 S4 oao • creaNa • PaYmenls .o0 74.00 Available Credit , 5370 t Purchases & Aeeount Number 5416 2750 0212 3832 MlNmum Paymenl 574.00 other Charges .00 Payment Due Date 4. 04l22A70 +CaahAdvantes .UO ,~' -~ ~ t FINANCECHARGE 73.67 Average ANNUAL DaAy ~ 9lNerrsnl~m = NEW BALANCE S3,6N.88 TYPa of Balanea Dally PERCENTAGE Pedddic 03!28/00 Balance RATE Rale Purchase 5.00 20.74X .0568%" 99 Dsye In Cash Advance 53,705.70 27.999'e .11302% Bllling Cycle 375555000 7523 7626 PROVIDIAN NATIONAL BANK 'Deity Pmiatlia Rate mey very We appreciate your business. Thank You! ACCOUNT NUMBER 5418-2750-0212-5832 PAYMENT..}}DUE DA~aayTE MINIMUM PAyY~M~,E~Nµ,T AMOUNT ENCLOSED Make Cheeks Payable To Provltllan DONALD E SHARTZER 314 BRANDY LN MECHANICSBURG PA 17055-2607 Page 1 of t aaoooo PROVIDIAN MASTERCARD 5418275002125832000740UU3678410 - ------------------------------------------------------------------------------- NOTCE OFCHANOETO THE TEHMS OFYOUR ACCOUNT AGREEMENT. Phase keep this notlee for your reeoMs. ThefoOoadrW w111 ba added to Ne'Feea'aaetlon ofyour AcwnmAgreameM and adllbecome eRecWe May 1S, 2000: Nydu request (harem makeaona•thne autamatk paymem from your personal ehtxMng axou nR wa may charge yourAeeoum a fee of 54.t!S for aeah ragout Thla fee la a HNANCE CHARGE, and Dw10 appal regardleae of WMthm mods are available In your pereonal eheeldng axou m M maim the payment TRANSACTIONS Pont Date Describtion Trans Date Reference Number Amount 04-21PAYMENT RECE ED --THANK YOU 04-21 75417280112991462682073 0000 74.00 PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance 53,BUg.88 1-800-688-1866 NEW BALANCE ,,, creel( una 53,878.41 ooD S4 - crealta .DO , , Available Credit' ; ~ . , 5321 - Payments t Purchases & 74.80 Account Number 5418 2750 D212 5832 . ,_ Minimum Payment ~ 574.00 other Charges .00 Payment Due Date OSI20A0 t Cash Advances + RNANCECHARGE .00 ~•~ Average ANNUAL Dally 8hhnrnt Dsts = NEW BALANCE 53,67(1.41 Type eP Balance Dally PERCENTAGE Periodic OM25/00 Balance RATE Rate Purchase 5.00 211.74% .0568%" 28 Dsys In Cash Advance 53,706.74 21.89% .0602% Bllling Cyeb 377W17000 7523 7528 PROVIDIAN NATIONAL BANK 'Qtly Pazlodir Rate may very We appreciate your business. Thank You! ACCOUNT NUMBER 5418-2750-0212-5832 PAYMENT DUE DATE :: af#I~O~~~IIKI DONALD E SHARTZER 314 BRANDY LN MECHANICSBURG PA .17055-2807 PROVIDIAN MASTERCARD MINIMUM PAYMENT AMOUNT ENCLOSED Make Checks Payfbla Te Provldlan Page 1 of 1 000000 541827500212583200073000367Q98~ ------------------------------------------------------------------------------- Phase see the enclosed Imporhnt IMermatlon aboutyour Provklhn axoum. TRANSACTIONS Post Date Deecrl9tion Trans Date Reference Number Amount 05-15PAYMENT RECEIVED --THANK YOU 05-15 75417280136991461831152 0000 74.00 PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance 53,676.47 1$00-688-1866 NEW BALANCE creall Line 53,670.98 DDo 54 • credits • Payments ,Dg 7q,W Available Credit , 5329 + Purchases & Account Number 5416 2750 0212 5032 Minimum Payment ~ 573.00 other Charges .00 Payment DUe.tlate ~-`~~ OB/19f00 + Cash Advances .00 ~' ` + t7NANCE CHARGE 66.57 Average ~~ : ANNUAL f ~ .pall~!~r. effhmsnt Dnts = NEW BALANCE 53,670.96 Type of Balance Daily .;~:- PERCENTAGE .,,PjOrIudIF '~ ~~ ~ - OS/25/00 Balance gaffe RATE Purchase 5.00 ' 20.99% .D675 %" 90 Days In Cash Advance 53,683.43 21.99% .OB@% Bllling Cycle 37 a4aWW 7523 1526 PROVIDIgN NATIONAL BANK 'Daily Pariotlio Rela may vary We appreciate your business. Thank You! ACCOUNT NUMBER 5418-2750-0212-5832 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED Make Cheeks Payable To Provldlan DONALD E SHARTZER 314 BRANDY LN MECHANICSBUR~ PA 17055-2807 Page 1 of 1 aoaooo Dine a[ your favodm restauront or shop oellne• the poaslbOHles are endless wNh your Provldlan credit card. R Is aeeepmd woddwMe antl R can be used In so many ways. PROVIDIAN MASTERCARD 54182750U212583200073U003662220 ------------------------------------------------------------------------------- Enpygmtsavinga whanyou remacar from Hertel Please sue insertfor dsm0s. TRANSACTIONS Post Date DescriDtien Trans Date Re}erenee Number Amount OG-14PAVNENT RECEIVED --THANK YOU a6-14 75417288166991496640373 0808 73.00 PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance 53,67088 1-800-688-1866 NEW BALANCE credit Lna 53,662.22 oDD s4 - cremta .o0 Available Credit , 5337 - Payments t Purchases & 73,06 Aeeount Number 6418 2750 0212 5632 MlNmum Payment 573.00 other Charges .08 Payment Due Date 07A 6100 + Cash Advances .00 t FINANCE CHARGE ~ ~ Average ANNUAL ~ Daily,; 9t~famanl DMa = NEW BALANCE • 53,682.22 Type of Balance Daily PERCENTAGE Periodic, ~ ~~~~ 06/23/00 Balance RATE Rale Purchase S.OD 21.24% .0682%" 29 Days In Cash Advance $3,676.811 21.69%0 .0602°~ Billing Cyeh 377878808 7523 1528 PROVIDIAN NATIONAL BANK 'Daly Pari°tlia Rate may very We appreciate your business. Thank You! ' ~ ACCOUNT NUMBER 5418-275D-0212-5832 PAYMENT DUE DATE (MINIMUM PAYMENT AMOUNT ENCLOSED ._- '1~~A4p ~ s~7~1919i V tv~ke Checks Payable To Provltllan DONALD E SHARTZER 314 BRANDY LN MECHANICSBURG PA 17055-2807 Pege 1 of 1 soooao PROVIDIAN MASTERCARD 5418275002125832001480003762490 ------------------------------------------------------------------------------- Summer la herel Enloy the flexiMlNy of uslrM your Provldlen mdltaM. N Is adapted woddwlde so Nan travel ulth yon arrywharat MESSAGES FROM PROVIDIAN MASTERCARD Please notke tM above amam Indudes arty past due amaum and must ba paMlmmedlatety. If you have already sem a paymem, thank you and plaace dlamgard this notla. Nyau need to make arrangemema for paymem please call l•SOOJ53.8192. ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance 53,522 1-800-688-1866 NEW BALANCE ,.. credit urre _ 53,752.49 Sa 000 - creaus .o0 Avalla6le Credit , 5237 • Payments + Purchases & ,00 Aeeount Number 547 8 2750 1127 2 SB32 Minimum Payment 5148.00 Payment Due Da(~ OBM9Po0 other Charges .00 + Cuh Advances + FlNANCE CHARGE .00 71.27 pveraga ANNUAL Dally Bfatemenl Dan + Late Charge 28.00 ryPe of Balanea Dally PERCENTAGE Periodic 07/25/00 (PreWaus Due Date 07-181 Balance RATE Rate = NEW BALANCE 5;1~7~,gg Purchase 5.00 21.24% .0582%" 92 Osye In Cash Advance 53,698.54 21.99°/" .0802% Bllling CyoM 3158580011 1523 1528 PROVIDlAN NATIONAL BANK `0®y Pariodia file mey very We appreciate your business. Thank You! ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED 5418-2750-0212-5832 ~EP~1R~ ~ *3 ..: 1MICS Checks Payahla To Pravltlhn DONALD E SHARTZER 314 BRANDY LN MECHANICSBURG PA 17055-2607 Page 1 017 ooocao PROVIDIAN MASTERCARD 5418275002125832000740003683690 ------------------------------------------------------------------------------- Take advantage of apaelel savings from Alamo when you roma ear uaing your Provldlan card Loak lrnl4n your statement for Providlan•exeNeNe eoupona and dlseounta. TRANSACTIONS Pgat Date DaseriDtion Trana Date Reference Number Amount 08-07PAYMENT RECEIVED --THANK YOU 08-07 75417280220991462731242 GOOD 148.00 PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance 53,782A9 y-800-688-1866 NEW BALANCE Credit Llne $3,BB3.W Dao Sa - Crodits • Paylrrenls .oD 148.00 Available Credit , 5316 ~- Purehasea & Account Numher 5418 2750 0212 5832 - MlNmum Payment 574.00 blher Charges .00 Payment Due Date 09MSM70 t Crib Advances ~~ + FINANCE CHARGE t~.2D Average ~ ANNUAL Daily BlNelleN 0sN = NEW BALANCE 53,583.89 Type of Balance Dally -PERCENTAGE Periodic 05/25/00 Balance RATE Rata Purchase X1.47 21.74% .0.505%" ~ 81 Onyc In Cash Advance 53,583.83 21.99% .0602% Bllling Cyoh 310494000 1523 1528 PROVIDIAN NATIONAL BANK 'neily Pmiodie Role may very We appreciate your business. Thank You! ` - ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED 5418-2750-0212-5832 rv~=*~ffiikt ~"~` Meka Cheeks Payable Ta Providlan DONALD E SHARTZER 314 BRANDY LN MECHANICSBURG PA 17055-2807 Page 1 of 1 ooaaoa PROVIDIAN MASTERCARD 5418275002125832001490003782100 ------------------------------------------------------------------------------- Vlah the Cardmemher CenDer atwxw.provldlanoNlnecom• you can vlaat your aepu m Imartnatlon, make a paymem, or tal®advanmgs M moneyaaWng dlapumn. MESSAGES FROM PROVIDIAN MASTERCARD Please notlp tM above amoum Includes any pant due amou m and moat be pald Immedlamry. If you have already sem a paymem, thank you and pbace disregard thh soap. If you need to make anangementa for paymam please ca111$00.758.8182 ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance 53,663.69 1-800.688-1866 NEW BALANCE .~ ,,; .H crealt urm ~ 53,762.10 54 000 • creau: ,gg ~ Available Qedit , 5217 • Payments + Purchases & ,00 Account Nulydrer Sd18 2750 0212 5832 Minimum Paymelit,.. ; 5`149.00 other Charges ,80 Payment Due Dale ~- ~ 10/20/00 ~ k` + Cash Advanps .00 + RNANCE CHARGE W.41 Average ANNUAL Daily 9hdamant Dam + Late Charge 29.00 Type of Balance Daily PERCENTAGE Periodic 09/25/00 (PreWOUS Due Date 09-19) Balance RATE Rate =NEW BALANCE 53.782.10 purchase 51698 21.74% .0596%" 81 Daya In Cash Advanp 53,7110.03 21.99% .0602% Bllling Cycle 3167W000 7923 7528 PROVIDIAN NATIONAL BANK 'D®ly Pxiodia Pete mey vary We appreciate your business. Thank You! ACCOUNT NUMBER 5418-2750-0212-5832 PAYMENT DUE DATE MINIMUM PAYMENT -•'^~'-- W~n DONALD E SHART2ER 314 BRANDY LN MECHANICSBURG PA 17055-2807 Pegs 1 of 7 DODDOD AMOUNT ENCLOSED ~~ Make Cheeks Puyahle Tc Provkllan PROVIDIAN MASTERCARD 5418275002125832002260003880U40 ------------------------------------------------------------------------------- VlaN the Grdtttamber Censer atwww$rovltllanoMnecom•ysu can vMw youraeeouM. - Imormatlon, makeapaymem, or take erhratttage of moneysavinga tliseoums. Enpy great savings when you rem a ear from Hertrl Pl~se see Insert for tlehllt. Save up to 40%ffithe movies sdth your ProvMlan MasterCard! lake advanmge of this aseitlttg MactetCaW Exclusives ofhr to purohase dlscau turd movie tlckets and special emertalnmentcomho pacimgas. For more Infarmatlon aboutthla offer, phase sae the ettdosed Insert MESSAGES FROM PROVIDIAN MASTERCARD Your paymem tlue Includes any past tlue amoumthat must be paM Immetllesaly. Your aocoum may ba permanemy dosed whhautthia paymem. Ta aveld further co0aetlon calls and Isle fees 'pkaua pey lmmatliasdy, ar call l-000.753.8102 to make amangemanb for payment ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION ' Previous Balance 53,7tyt.10 1.800-688-1866 NEW BALANCE credit Line 53,880.04 oaD 54 • create. .oD Avallahle Credit , 5119 • Paymanla + Purchases & .00 Aeeounl Numher 5418 2750 02725832 MlNmtun Payment 5228A0 other Charges .Op Payment Due Date 11NS1A0 + Cash Advances •00 + FINANCECHARGE ~~~ Average ANNUAL Daily Slelement Dsla + late Charge 29.00 7 of Balance Deity PERCENTAGE Periodic ~e 10/2510D (Previous Oue Date 70.20) Balance RATE Rale =NEW BALANCE 53,880.04 Purdrase $46.53 21.74Y. ,0596 Y." a00sye In Cash Advance 53,768.61 21.99% .0602 Y. Killing Cycle 318282000 1523 15228 PROVIOIAN NATIONAL BANK 'nary Paiotlio Rate may very We appreciate your business. Thank You! BALANCE A9 PAYMENT MNIMUM ACCOUNT NUMBER OF 1129N6 DUEpATE PAYMENT AMWNr ENCLOBEO 5418-2750-0212-5832 `I!k ~IC~~t~:2- ~~^ Make Cheeks Psysbls TD Prevltllan DONALD E SHARTZER 314 BRANDY LN MECHANICSHURG PA 17055-2807 Page 1 017 ooaooo PROVIDIAN MASTERCARD 54182750021258320U30500~3979770 GM up-m-dam account IMormatlon atlytlme you waM MwxnvprovWlanonOne.com. Yau can moo pay your m0, sign up mrthe My TOOIktl(sm)e•vralbt, or en)oy ahappipg dlseou Mal Provldlan glweyou murwayem make yourmomhy payment Reform the enelowd IMomtatlon to determine the paymaM optlonthM la dghtmryaul MESSAGES FROM PROVIDIAN MASTERCARD Your payment due indudw airy poet dne amountthatmuM be paid Immadla[ety m avoid mrther credit damage and poealble remml Myour aeeou M mr mrther w0actlon aetlon. Phnae call 1.960.763.8192 m make paymeMamngemenm. ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION PreWow Balanes 53,880.04 ~ 1-Boo-s88-1866 ~~ - NE1N BAL9NCE Credit LJrw 53,976.77 s4 00D Credits .00 . Available Credil , 500 - Payments + Purehasea & ,Op Account Number 8418 2750 0212 5832 Minimtan Payment 3308.00 clh~ Charges ,00 Payment Due Date 12M9N0 + Cash Advances .00 + FINANCECHARGE 70.73 peerage ANNUAL Dally 9tmemsnt Osle + Laid Charge ~~~ Type of Balaned Dally PERCENTAGE Periodic 11/2MDD (Previous Due Dale 71-16) 8alanea RATE Rate =NEW BALANCE 33,979.77 purchase 576.63 21.74% .0596%" 96 Dnyn In Cash Advance 53,837.32 27.99% .OB~Ye Bllling Cyels arwoww 'quo quo PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! -U®ry Pmlatlio RMe mey very ,~,~w BALANCERS PAYMEM MNINUM ` ACCWMNUnBFA OF 1T/27a0 DUE DATE PAYMINr AnOUM ENCLOSED 5418-2750-0212-5832 ~ „riAN~fi ,~~ 4,DD . - Mrl®Chaoka Pryable To Provldlan DONALD E SHARTZER 314 BRANDY LN MECHANICSBURG PA 17055-2807 Page 1 of 1 aoaooo PROVIDIAN MASTERCARD 5418275002125832003860004088630 MESSAGES FROM PROVIDIAN MASTERCARD Your axouM N pest due and mu4tbe paid ImmedNNy t0 evold Tunhar emdR tlemage sad possima refarml of youraecquM far addltlonal colNdion actlon. If you am u nabN to mal®your payment Immediately, call uc at 1.800.785.6192. Also note toot your~eountlc 588.85 overyour54,000.00 aedlt llne. WhlN your Aeeoum Agraemem mry roqulro ysu to pay this overOmN amoum, we era glving you the IletOdlEy of paying only ¢380.00. Paying tyst tms minimum dueprymentsdll Nava youraxoumlu an ovedhnn Status. We eneoumge you to pay the sddPoOOaI $08.85 au soon as posslbN. ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance 53,979.77 1-800.688-1866 NEW BALANCE.; ;} ~ ,. Credit IJne .~, 54,OBB.63 S4,I1110 . crealls .o0 Available Credit ~, 500 - Payments + Purchases & .00 Recount Number 5419 2759 0712 5832 ... Minimum Payment; ~ .; S ~~ 5506.90 ' Payment Due Date - 01/21A71 other Charges ,00 + Cash Advances •00 + RNANCECHARGE 79.86 Average ANNUAL Daily 9feNmsnt DsN + Late Charge 29.00 Type of Balance Daily PERCENTAGE Periodic 12/27/OD (Previous Due Date 12-19) Balance RATE Rate = NEW BALANCE 54,088.63 Purchase 5107.36 21.74Ye .069BY" 83 Dsya In Cash Advance 53,910.94 21.89Ye .0602 Ye Blliing CyeN 310000000 1523 1 ~8 PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! 'D®ly Peiadio Pate may wry .~ BALANCERS PAYMENT MINIMUM '` ~ ACCWNfNUMBER OF 012N01 DUE DATE PAYMENT - 5418-2750-0212-5832 ~~*, -~ «aE92~' ~"`~~"? DONALD E SHARTZER 314 BRANDY LN MECHANICSBURG PA 17055-2807 Pege 1 of 1 000000 zzo AMOUNTAMOUNT ENCLOSED 1~•J Meka Cheeks PayaWs To PmvlDlen PROVIDIAN MASTERCARD '. 54182750021258320416315114163150 ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance =4,098.53 1-800-280-0559 NEW BALANCE creole une 54,163.15 S4,OaD - credlte ,ro Available Credit 500 - Payments ,00 Account Number 5418 2750 0212 5032 Minimum Paymanl 54,183.15 t Purdhases & Payment Due Deto 02/20Af other Charges ,Op t Cash Advances .00 Average ANNUAL Daily 9lsfenenl Defe t flNANCECNARGE 74.52 Type of Balance Dally PERCENTAGE Periodic 01/26101 = NEW BALANCE 54,163.75 colones RATE Rale Purchase 5738.64 27.74% .0596Yee 90 Drys In Cash Advance 53,985.73 27.99% ,0602% Bllling Cyck 300000000 1523 1526 'Deily Periotlia Rate mey wry THIS I5 AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. PROVIDIAN NATIONAL BANK Access to credit Is essential in today's world. Bringing your Providlan account to PAID status would lye an important step toward Improving your credk record and restoring your access to credit. BALANCE AS PAYMENT MINIMUM `~ ~ ACCOUNT NUMBER OF 02lt&D7 DUEOATE PAYMENT AMOUNT ENCLOSED 5418-2750-0212-5632 54,2se.11 MAR 22,2001 54,229.77 Make Cheeks Payable To Pmvldian DONALD E SHART2ER 314 BRANDY LN MECHANICSBURG PA 17055-2807 Page 1 of 1 ooaooo zzo PROVIDIAN MASTERCARD 5418275002125832042391104239110 ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balanee 54,163.15 1-800-280-0559 NEW BALANCE credo one 54,239.11 sa,9D9 - credos .DO Available Credit SW • Payments + Purchases & ,00 Aeeount Number 5418 2750 11212 5832 Minimwn Payment 54,239.11 other Charges ,90 Payment Due Dale 93123101 + Cash Advances + F/NANCE CHARGE .00 75.96 Average .ANNUAL Daily elsbmani Dale = NEW BALANCE 54239.71 Type of Balanee Dally PERCENTAGE Periodic 02128/01 Balanee RATE Rate Purchase 57.46 21.74% .0696%• 81 Dsya In Cash Advance 54,059.63 21.59% .0602%. Billing Cycle ' 3UUWWUp 1523 1528 ', ~umry renaoio ImM may vary THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED W ILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. PROVIDIAN NATIONAL BANK Access to credit Is essential In today's world. Bringing your Providlan account to PAID status would be an Important step toward improving your credit record and restoring your access to credit. BALANCE AS ~ ACCOUNT NUMBER OF030&D7 - 5418-2750-0212-5832 Sa,2aa.11 pAYMENi MINIMUM DUE DATE PAYMENT AMOUNT ENCLOSED APR 22,2007 5554.00 Msks Chseka Payable TO ProvltlUn DONALD E SHARTZER 314 BRANDY LN MECHANICSBURG PA .17055-2887 Pege 1 of 1 coooco zze PROVIDIAN MASTERCARD 54182750021258320U5540004239110 ---------------------------------------------------------------------------- '''PLEASE SEE ENCLOSED IMPORTANT LEGAL NOTICE CONCERNING THE ADDIRON OF AN ARBRRATION PROVISION TO YOUR ACCOUNT AGREEMENT. PLEASE READ R CAREFULLY AND KEEP R FOR YOUR pECORDS.••• ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance 54,2.11 'I ~HO(~28U~USJ9 NEW BALANCE Credll Line 54,2.11 54 000 - Credits .pp Available Credit , S00 -Payments + Purchases & .00 Aeeount Number 5413 2750 0212 8832 Minimum Payment 5554.00 olhar Charges .Op Payment Due Date 04722ID7 + Cash Advances + RNANCECHARGE .00 00 Average ANNUAL Dall~r - '" B1NSmsnt Dm ~ =NEW BALANCE . 54,2.11 AGE. Perlgdio Type Df Balance Da11y PERCENT . 03J23/01 Balance RATE Rata Purchase 5.00 .00 h .OODDNe 90 Dsye In Cash Advance S.OD .OD Y. .0000 Y. Billing Cyeb 303080000 1523 1528 PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! PAYMENT IMAGE RETRIEVAL SYSTEM Print Date: 11/0212001 Time: 01:21 pm Account Number Tran Date Payment Amt Minimum Pmt Outstanding Bal 5418-2750-0212-5832 08/13/1999 $75.00 $75.00 $3,733.14 914 BRANDY LN ~rr~ ... ... vim. c •. ~ 1815 -. . MECHANfCSEURG, PA 17055 _ _ ..... ~ .... _ .. _ .. ...... ; ,w . - _. BP1279/919 108 . PAY TO ~ 7~ J . a.~ ""~' e""«' ---PNC~~R1l[~-- - - --- ---- -- ----~-- -- Central PA YW ~ ja jt/g`- ~ ~ - - ~:D3i3i2~3Bl:i9iS a'Si4Dib6523~' ~WS~Vn •x9s No Back Image Available EXHIBIT a 19P PAYMENT IMAGE RETRIEVAL SYSTEM Print Date: 11/02/2001 Time: 01:20 pm Account Number Tran Date Payment Amt Minimum Pmt Outstanding Bal 5418-2750-0212-5832 02/16/2000 $74.00 $74.00 $3,697.20 aoNa~~ ~. sHaarzeq 2119 3t4 BRANDY LN ', MECHANICSBURG, PA 17055 _/'> ~a ' / eD-1n3/3~3 ?O6 ~J../~L.i1/y ~ C+ O ~. i~7y ow a e.w PN~]~AA\N][~ ~ , ,. ~cennu pJn/N~oao Pl ~ FORS//!7 ~,fid Lfi!~~~ '~.~,~~~~~~y'~ r:D3i3L2'~3$~: 2L319 u~514Di66523u^ No Back Image Available PAYMENT IMAGE RETRIEVAL SYSTEM Print Date: 11/0212001 Time: 01:19 pm Account Number Tran Date Payment Amt Minimum Pmt Outstanding Bal 8418-2750-02125832 03/20/2000 $74.00 $74.00 $3,690.21 '. DQNALD E. SFfARTZER .... ..,,... ~ .. "'. . - :`:,'.~..... '. - 2Z~iQ '.:. . 314 BRANpV iN _. ... _ _ ~ ~ ~ . • . MECHANICSBURCa, PA 17055. - ... .- - . •~ ~ .-'.- . "~ ^' - • - •'- 80-t279/sl3 tOB r . ~"/.~lv~~!'~19 GAL ~ •' ~ ' ~ --- PAYTOTH~ ~ d~ ORDER OF ~~~ '~OdL~ ®o;;w p ~~` ~~ ~~ Ceoeral PA e!9 Phts S~ tax J~f %. s.t'l,, r3 t?.~,~ ,5~~ 3Z ,~/ ~:03i3i2738~:2140 u'Si40 6S23u• 9/MRAlA.9D No Back Image Available a!ge!!eny a6ewl ~e9 oN DONALD E. SHARTZER ` l -. 2 0 6 2 314 BRANDY LN MECHANICSBURG, PA 17055 ~ 60-1273/313106 RD ROF6 /~y~Gr~.L`~ L!~@.~a~.~j_/J ~y/Jl* I ~ 3y•,,~ ~' fz ~10LLAR5 0+ u.u u en rw. PNC ]~~ PNC Bank, NA. Central PA 0!0 Pria>i~ Plus ~:03~3~2?38+: 2062 II.5140L6652311• 81YA Mq IYYS 88'689~E$ 00'4L$ 00'4L$ OOOZ/LZ/40 ZE85-ZLZO-OSLZ-8L45 !eg 6wpueLsLnO Lwd wnw!wW Lucy LuawRed ayeD ue~l ~agwnN Luno~~y wdLL~LO~aw!1 LOOZ/ZO/LL~ale4Luud W31SAS 1tln312113213~JtlWl 1N3WAtld e!ge!!eny a6ewl peg oN 2136 DONALD E. SHARTZER ' 314 BRANDY LN MECNANICSBURQ, PA 17055 80~i279/3t3 tab -.!9 ~ _/l PNC 1~~A ~TIE~~ Pro>I~>ty - cenwB"e,L~ ato Plus ~:0313~2738~: 2156 u~5i4O A3YW II.A~.M W ~~ s.n~nr r..w~.. L4'8L5'E$ 00'4L$ 00'4L$ OOOZ/5L/50 ZE95-ZLZO-05LZ-SLbS lab fiu!puelelnp lwd wnw!u!W lwtlluaw,(ed ales ue~l ~agwnN lunoooy wdLL~LO aw!1 LOOZ/ZO/LL:ala03uud W31SAS 7tlA3RI13213JtlWI lN3WAtld .-,,,~~~ a~ge~ieny a6ewl peg oN DONALD E. SHARRER , ~ 217 3 314 BRANDY LN MECHANICSBURG, PA 17055 ~ 00-t273Y3is t00 O /~ ~ f1d 0 ~~/ ,~ ,..w,.. /DOLLARS ®a:ia. o. wa PNC]~A\N1[~ ~o~ty PNC Bwk. N.A. Central PA 040 P]4~ ~ ran ~"'~,/~^,~ssd °,?1.2~j.~32 ~:0313i2?381: 2173 II^5i4 i6652311a u1MRUfC t9ff 86'OL9~E$ 00'EL$ 00'EL$ OOOZ/4L/90 ZE85-ZLZO-05LZ-SL45 deg 6uipue;s;n0 ;wd wnwlulW iwy yuaw,ted aged ue;l ~agwnN yuno~y wdOFLO~aw!1 LOOZ/ZO/LL:ayeQyuud W31SAS ltln3R1132i 3`JtlWI 1N3WAtld VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 E. State Street Doylestown, PA 18901 (215) 348-5200 PROVIDIAN NATIONAL BANK Plaintiff VS. DONALD E. SHARTZER Defendant CUMBERLAND COUNTY COURT OF COMMON PLEAS NO. 01-5717 CERTIFICATE OF SERVICE Valerie Rosenbluth Park, Esquire certifies that she is the attorney for the above named Plaintiff in the instant action and that on November 8, 2001, she served a true and correct copy of the Amended Complaint, by mailing the same by U. S. Mail, postage paid, to the person and at the address set forth below: Attorney for Defendant John R. Scheidemann, Esquire 352 South Sporting Hill Road Mechanicsburg, PA 17050 PARK LAW ASSOCIATES, P.C. BY: VALERIE ROSENBLUTH PARK, ESQUIRE ATTORNEY FOR PLAINTIFF C3 ca :"} c- -•° ., ~ ~ ~ ~- ~~ ~ z Z -~ `'~ >': m~_: cam: ~ a> <~-~ -~ - ~ ~ ~.tt. ~ ~ {r ~ ;r; ~ ca .~ e ~~ VALERIE ROSENBLUTH PARK, Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 East State Street P.O. Box 1779 Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF CUMBERLAND PROVIDIAN NATIONAL BANK Plaintiff VS. DONALD E SHARTZER Defendant ESQUIRE COUNTY COURT OF COMMON PLEAS No. v~- s7~~ NOTICE ~~~~~~ You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by an attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for other claims or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO, OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 (717)249-3166 (800) 990-9108 THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. VALERIE ROSENBLUTH PARK ATTORNEY I.D. # 72094 PARK LAW ASSOCIATES, P.C. 25 EAST STATE STREET, P.O. BOX 1779 DOYLESTOWN, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF ACT#:5418275002125832 COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK 295 MAIN STREET TILTON, NH 03276 PLAINTIFF VS DONALD E SHARTZER 314 BRANDY LN MECHANICSBURG, PA 17055-2807 DEFENDANT NO. DI -' 87/7 ~fc.)c.~ (F1LFr~ CIVIL 1. The Plaintiff, PROVIDIAN NATIONAL BANK, is a national banking association organized and existing under and by virtue of the laws of the United States of America. Plaintiff solicits and maintains consumer credit accounts in Pennsylvania and is the owner of this account, which is the subject matter of this action. 2. The Defendant, DONALD E SHARTZER, has a mailing address at 314 BRANDY LN, MECHANICSBURG, PA 17055-2807, . 3. The Defendant is indebted to Plaintiff on the credit account by virtue of charges or cash advances incurred by the Defendant or authorized by the Defendant on a credit card or line of credit owned by the Plaintiff bearing account number 5418275002125832. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL HE USED FOR THAT PURPOSE. 4. The Defendant requested an account, account number 5418275002125832, which is owned by the Plaintiff, and an Account Agreement was sent to the Defendant. A copy of the Agreement is attached hereto as Exhibit "A" and made a part hereof. 5. The Defendant has failed to pay the amount owed in accordance with the Account Agreement and has failed to pay the outstanding debt as agreed. 6. The Defendant is indebted to the Plaintiff in the amount of $4,329.10 as of 08/31/2001, plus pre-judgment contractual interest at the rate of 21.99% per annum, less payments made. 7. In accordance with the documentation attached as Exhibit "A," Plaintiff is entitled to reasonable attorney's fees, and Plaintiff will incur attorney's fees in the amount of $735.95. WHEREFORE, Plaintiff demands that judgment be rendered in favor of the Plaintiff, PROVIDIAN NATIONAL BANK, and against the Defendant in the amount of $4,329.10, plus pre-judgment interest at the contractual rate of 21.99% per annum from 08/31/2001 until the date of the judgment herein, plus reasonable attorney's fees in the amount of $735.95, less payments made, plus costs and any other such relief as this Court deems reasonable and just. COUNT I- ALTERNATIVE 8. Plaintiff hereby incorporates paragraphs 1 through 7 above as though set forth in full. 9. The Defendant received a monetary benefit, .which was in fact appreciated by the Defendant. 10. The Defendant accepted the benefits. 11. By virtue of the circumstances surrounding the request for funds made, the Defendant knowingly requested the funds at issue THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. and/or knowingly and voluntarily accepted the benefits bestowed. 12. It would be inequitable for this Court to allow the Defendant to retain the benefits of the funds or to be unjustly enriched at the expense of the Plaintiff or allow the Defendant to retain the value of the funds at issue without repaying the Plaintiff the value of same. WHEREFORE, Plaintiff demands that judgment be rendered in favor of the Plaintiff, PROVIDIAN NATIONAL BANK, and against the Defendant in the amount of $4,329.10, plus pre-judgment interest at the contractual rate of 21.99% per annum from 08/31/2001 until the date of the judgment herein, plus reasonable attorney's fees in the amount of $735.95, less payments made, plus costs and any other such relief as this Court deems reasonable and just. PARK LAW ASSOCIATES, P.C. A BY: / J~ VALERIE ROS L PARK, ESQUIRE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, IT IS REQUIRED THAT WE STATE THE FOLLOWING TO YOU: THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL SE VSED FOR THAT PURPOSE. a VSRIFICATION I, DELORES CHAnLtS declare that: I am a Designated Agent of PROVIDIAN NATIONAL BANK, the Plaintiff in this action, and I am duly authorized to make this verification on its behalf. I have read the foregoing complaint and know the contents thereof; that the same is true of my own .knowledge, except as to those matters stated on information and belief and, as to those matters, I believe them to be true. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. I declare under penalty of perjury that the foregoing are true and correct. Executed at Alameda County, in the State of California. ~ ~C.11r~..Q~ Date Designated Agent .,~ IMPORTANT LEGAL NOTICE Federal law gives you 30 days after you receive this letter to dispuu the validity of the debt m any part of il. If you do not dispute the validity ofthe debt. or any part of it, within that period we will assume that the debt is valid If you dispuu the debt, or any part of it, in writing-by mailing us a mice to Ihat e$'ea on or before the 301h dayfollowing the data you received this letter-we will obtain and mail to you proof (verification) of the debt. Md if, witktin the same period you request in writing the name and address of the original creditor (if differem from the curtem creditor), we will furtush you with that information too. If we do receive a timely written notice, all efforts to collect this deb[ will be suspended omit we mail any retuned information u you. The purpose of this collununication is to collect a debt; any information obtained will be used for collecting the debt. ACCOUNT AGREEMENT Yom PROVIDIAN acmum has bean transferred to F'vst Select. Your PROVIDIAN amoum was closed at the time of this transfer and will therefore cominue to be closed Ttns Accoum Agreement contains the terms that govern Your First Select account (the "Accoum"). In this Agreemem, "yeu" and "your" mean each person who is liable for payment on the Accoum. "We; "'our," and "us" mean First Select m its aseigoees. Because yom Accoum has bees tramferred to us, you are now obligatedto repay the Account to us instead of PROViDIAN. If the Account was opened as ajoirrt accoumt,.we may act on the insWCtiam of any joint Accoum holder. Paymenls/Fbmnce Charges. As long as you have a balance outstanding on your Account, fmance charges are calculated as follows: To figure the fmaace charges for each billing cycle, we multiply the average daily balance on yom account by a daily periodic rate. Tire daily periodic rate we apply is yom Accoum's Annual Percemage Rau divided by 365. The Amrual Percemage Rau will be calculated as disclosed in yom most recem PROVB)IAN Accoum temp (the "Original Terms"). If your Orig'nal Terms provided fm diffenmt Armual Percemege Rates u be applied to different componems of yom outsundmg balance, wa will apply the lowest such Armuai Percentage Rau on your emirs outstanding balance. We may accept tau mpartial paymrnts, or payments marked "paid in full" m marked with other redrimions, without losing om right to collect all amoums owing under this Agreement. You may ask First Select u pay your Account by debiting your checking m savings Accoum. First Select will fast verify your idemity and eligibility for this service. Yau may revoke yom authorization by writing to Fust Select Customer Service. Fees. We will chazge your Accoum a fee far each billing cycle within which yom Account is delinquent (kte charge} The amount ofihe late charge will be as disclosed hr your Original Terms m the maximum late charge pemrittad by the law of your stau of residence, whichever is lower. We will charge yom Account a fee fm each retutmed ~aymem check (rammed check charge} The amount of the returned check chmge wtll be as disclosed in yom Original Temts, or the matorrtum caromed check charge permitted by the law ofyour sou of residence, whichever is Tower. To the extern provided in yom Original Temn and m the extern permitted by apphcable law, in addition to your obligations u pay the outstanding balance on yom Aceoum, plus interest and fees as disclosed herein, we may also charge you fm any collection costs we incur, including but na limited u reasonable attorney's fees and court coats. If your Original Temn provided fm m award of attorney's fees and mart costs, such provision as incorporated herein shall apply reciprocally to the prevailing party N any lawsuit arising out of this Agreemem. Nort-Wmrer of Certain Rights. Wemay delay or waive enforuemen[ofany provision of this Agreement without losing om right u enforce it or any other provision later. Appllcnble Law, Sevembihty, Assignment. No matter where you live, this Agreement and yom Accoum are governed by federal law and by the law ofthe sate designaud as the applicable law m your Original Tema ffyom lhiginal Tema did na contain an applicable law provisioq then this Agreemem and your Aceoum are governed by federal law and the law ofyom state ofresidence. This Agreemem is a fmal expression of the agreemem between you and us and may not be contradicted by evidence of arty alleged coal agreemem. tf a provision ofihis agreemem is held to be invalid or unenforceable, you and we will consider that provision modified to conform to applicable law, and the rest ofthe provision in the Agreemem wilt still be enfmceable. We maytransfer m assign om rigm to all or some of yom payments. ff state law requires that you receive notice of such an event to protect the purchaser or the assignee, we may give you such notice by filing a financing statemem with the safe's Secretary of Smte. Customer Service. Fm general questions regrading your First Select account, please call our toll-free service number, 1-888.9242000. Far quality assurance purposes, and to improve customer service and security, telephone calls to or from our offices may be monitmed or recorded Credit Reporting: Personm Information. If you fail tc fulfill the terms of your credit obligation, a negative credit report reflecting on your credit record may be submitted to a credit reporting agency. Tn order to dispute any infamation we are reporting shorn your Account, yeu must wriu to us at the following address: F'vst Select' P.O. Box 9104, Pleasarttan, California 94566. We may share information with our affiliates. includine without limitation Providian National Bank and Providian Bank. However. you may write to us at am time instmctine us not to share credit information with our alTiiiates. YOUR BILLING RIGHTS -KEEP THIS NOTICE FOR FUTURE USE This notice comains important inf'orvetion abem your rights and our responsibilities under the Fan Credit Billing Act. Notity Us in Case of Errors or Questions About Your Bill ffyou think your bill is wrong, m if you need more infomation about an emry on your bill, write us, on a separau sheet, at the following address: First Select' P.O. Sox 9104, Pleasanton, California, 94566. Write to us as soon as possible. We must hear from you no later than 60 days after we sera you the fast bill on which the arm or problem appeared. You can telephone us, but doing so will na preserve your rights. In the letter, give us the following: - Your come and Accoum number. - The dollar amount of the suspected error. - A description ofthe ertor and an explanation, if possible, of why you believe there is en acorn. ffyou need more infomution, describe the item you are not sure about. Your Rights and Our Responaibilitles After We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corrected the error by then Within 90 days, we must either corset the scot m explain why wa believe the bin was comet After we receive yom letter, we camrot try to collect m report you as delinquem as to any amoum you question, including finance charges. We can apply airy unpaid amoum agairbt yom credit line. You do not have to pay airy questioned amount while we are investigating, bra you are still obligated to pay the parts of the hilt that are not in question. If we find that we have made a mistake on yam bill, you will not have u Qey any finance charge related to any questioned amoum. Ifwe did not make a austake, you may have to pay finance charges, amt you will have u nuke up the missed payments on the questioned amount in either case, we will send you a statemard of the amount you owe. And the data that a-is due. ffyou fail u pay rho amoum we~think you owe, we may report you as delinquent However, if our explanation does not satisfy you and you wriu to us within 10-days idling us that you still refuse to pay, we must tell anyone we report yeu m that you question your bill. And we must felt you the name of anyone we reported you to. We oust tell anyone we report you to that the matter has been settled between us when if Snotty is. If we do not follow these cotes, we cannot collect the fast $50 ofihe questioned amoum even if yam bill was correct Special Rute for Credit Card Purchases If you have a problem with the quality of goods and services that youpmchased with. yom PAOVmfAN credit card and you have tried in good faith to comet the problem with the merchant, you may not love u pay the remaining amoum due on the goads m services. There are two limitations u this right: (a) you must have made the pmchase in your home sole or, if not wil{tin year home state, within 100 miles of yom curtem mailing address; and (b) the purchase price must have been more than $50. These limitations do not apply if either we m PROVIDIAN own m operate the mercham, ar we or PROVIDIAN mailed you the advertisement fm the Property m services. exHrsir ~_ '~ ~ ~ ~ ~ o t~~ e ~ ~ --, ~ ~ m ~ ~. ~ -) ~ ~ ~ -. ~ 6~ ~ 1 C u ,' . (~ ;; n ~ y , r _ ,.-. .., -~ cr. \~ ~~ VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 East State Street P.O. Box 1779 Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PROVIDIAN NATIONAL SANK Plaintiff VS. DONALD E SHARTZER Defendant NO. d~"" 577 l..tc~~l.,~~~~ NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by an attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for other claims or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO, OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE Carlisle, PA 17013 (717) 249-3166 (800)990-9108 THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 4 , VALERIE ROSENBLUTH PARK, ATTORNEY I.D. 72094 PARK LAW ASSOCIATES, P.C. 25 EAST STATE STREET, P.O DOYLESTOWN, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF PROVIDIAN NATIONAL BANK 219 MAIN STREET TILTON, NH ESQUIRE BOX 1779 PLAINTIFF VS. DONALD E. SHARTZER 314 BRADY LANE MECHANICSBURG, PA 17055 CUMBERLAND COUNTY COURT OF COMMON PLEAS DEFENDANT NO. 01-5717 SECOND AMENDED COMPLAINT COUNT I - CIVIL ACTION - LAW 1. The Plaintiff is Providian National Bank, a national ', banking association, located in New Hampshire and existing under the laws of the United States of America with a place of business located at 219 Main Street, Tilton, NH. 2. The Defendant is Donald E. Shartzer an individual residing at 314 Brady Lane, Mechanicsburg, Pennsylvania. 3. At the request of the Defendant, Providian National Bank issued to Defendant a credit account, specifically a Providian Mastercard Account. The account number now is 5418-2750-0212-5832 and at all times relevant hereto, Defendant was the holder of said credit account issued through Plaintiff's credit facilities. 4. Upon Defendant's acceptance and use of the .credit account, Defendant agreed to be bound by the terms and conditions of the account agreement. A true and correct copy of said agreement is attached hereto, made a part hereof and marked Exhibit "A." 5. .The Defendant incurred obligations on the account in the sum of $4,163.15, no part of which has been paid since January 27, 2001 although duly demanded. A true and correct copy of the account statements are attached hereto, made a part hereof and marked Exhibit "B." 6. The account statements, attached and marked as Exhibit "B," provide a detailed explanation of charges incurred by Defendant on the Credit account. 7. Over a period of years, the Defendant continuously utilized Plaintiff's credit facilities and during that period, the Defendant made numerous payments on the account, acknowledging the debt. A true and correct copies of checks made payable to Providian National Bank and endorsed by the Defendant is attached hereto, made a part hereof and marked as Exhibit "C." 8. Plaintiff alleges that the Defendant accepted and used a credit account issued through Plaintiff's credit facilities and that acceptance of the terms of that credit account are evidenced by the charges incurred by Defendant on the account as well as Defendant's subsequent payments in accordance with the terms of the account agreement. It is not necessary for Plaintiff to attach a contract signed by the parties since the contract was accepted by Defendant through Defendant's conduct rather than the Plaintiff and Defendant actually signing an agreement. 9. Notwithstanding the frequent demands by Plaintiff for payment of the amount due, there has been a failure and refusal by the Defendant to pay the same or any part thereof. 10. In accordance with the terms of Exhibit "A", Defendant agreed to pay a finance charge on all sums -due at an annual percentage rate of 21.90% and Plaintiff is entitled to additional finance charges from January 27, 2001. 11. In accordance with the terms of Exhibit "B", Defendant agreed to pay a reasonable attorney's fee if the account was referred to an attorney for collection, and Plaintiff will incur an attorney's fee in the amount of $707.00. WHEREFORE, Plaintiff demands judgment against the Defendant in the sum of $4,163.15, plus interest from January 27, 2001, plus attorney's fees of $707.00 and costs of this action. ALTERNATIVE COUNT I - QUANTUM MERUIT In the event it is determined that no oral or written agreement existed in fact or law between Plaintiff and Defendant as alleged in Count I, the Plaintiff alleges as follows: 12. Plaintiff realleges each and every allegation contained in paragraphs 1 through 11 of this complaint and incorporates each paragraph herein by reference as if the same were set forth at length. 13. The Defendant received a monetary benefit of $4,163.15, which was in fact appreciated by the Defendant. "Appreciated by the defendant" meaning among other things that the Defendant received a benefit from the Plaintiff by utilizing the Plaintiff's credit facilities and incurring charges on the Providian Credit Account. 14. The Defendant accepted the Monetary benefits of a credit account issued through the credit facilities of Plaintiff. "Accepted the Benefits" means among other things that the Defendant either passively or actively received benefits from the Plaintiff which would be unconscionable for him to retain without repaying the Plaintiff. 15. By virtue of the circumstances surrounding the request for funds made, the defendant knowingly requested the funds in issue and knowingly and voluntarily accepted the benefits bestowed. 16. It would be inequitable for this Court to allow the Defendant to retain the benefits of the funds or to be unjustly enriched at the expense of the Plaintiff or allow the Defendant to retain the value of the funds at issue without repaying the Plaintiff the value of same. 17. In accordance with the law, there is interest due at the rate of 6% per annum from January 27, 2001. WHEREFORE, Plaintiff demands judgment against the Defendant in the sum of $4,163.15 plus interest from January 27, 2001 and costs of this action. PARK LAW ASSOCIATES, P.C. By: / V ERIE ROSENBLUTH PARK, ESQUIRE I, VERIFICATION SUE ORTEZ declare that: I am a Designated Agent of PROVIDIAN NATIONAL BANK, the Plaintiff in this action, and T am duly authorized to make this verification on its behalf. I have read the foregoing complaint and know the contents thereof; that the same is true of my own knowledge, except as to those matters stated on information and belief and, as to those matters, I believe them to be true. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. I declare under penalty of perjury that the foregoing are true and correct. Executed at Alameda County, in the State of California. ~' ~~- ~ O / ~uE ORTEZ Date Designated Agent ~~ ~PROVIDIAN Financial Providian National Bank VISA®or MasterCard@ Account Agreement for Donald E Sharizar January 3, 2001 This on this on is the Grace Period for Purchase Balance section of this Agreement~,, fin nce charges begin to accrue on debit ces and continue until that balance is reduced by a payment or credt. aYour Account has the following baaances: your existing P rchase Balanc and now uroFiases you make wigl your Card d fees for certain o tional d Bala ces ~ ch consist~ balances t~a~ you transfer to your Account usmct~alaruxs transfer checaCS and aZnce ~alance whicai consists of all other cash advances and cash advance transaction fees. Arty e mantfi f" cad {ees then due will rdinaril be a lied first to th@ Balance with the lowest Annual s zero, ~O~~i@n~iq,the Balance wi(h the next aowest,~PR, uaigl that Balance is zero, and then to any remaining are reduced by p nts as of the d to regeived, a d by aedi the date posted. Custom cast ar~vances are mc~uded m Your Cnustom Cash Batancs as ale c s, as of the date trans fitted; checks to transfer, balance as of the date ^e ~agance as follows: cgsh ~ances from other finanaal~'nstixuh~ons and through payable to u that are lden' ed as cos ier's checks a ma11~ to you at your hePgks, as o~the date~rresented to us. Other debits are included in your Purohase, ,nonce c r ~es a added to your pu base, Custom Cas Advance, and Cash a billing cycle. i here is no grace penoc~ far custom cash a nces or other cash To figure the dal finance farr each (Ype of B lance, start with our previous day's ale ce add all debits and btrect all credits fpr the cument day anrJ multioIv~ net a c n Ne hcable dai~y nodeic rate (see tallovnng pare ra h ~ T~e finance cha a for eac~ a of Balance 1s th n dried to and mduded in tetlat dgy~su8al~ce. ~le treat a credit ba ante for any da as zero. ~111~ ~etennme the total finance charg~ on balances for fie ~iiilln cycle by addri tcgether the finance c es for each twe ~ Bala ce for eac~i dha~'thi~r the billing cycle. I caglcu~laU'r~g fi~lance charges pnthd~ ~ent~ be ma~e for a trapsaetion or payment would hav'§ affected tr}re ,finance cf a ca culation ip a poor b{~Iln le a d bean posted rn the da e. th li le dai{~penodic rate for such a trahsaction unll be the rate m effect or a current billing cycle rather an the rate in effecf on a to of e h~arlsabtion. Your ~tat~~ t includes a ~ahverage dale tb~alance iqr each of Balance. Y~ohu can multipty~ ch eve a daily balance that is not zero b)'the number of i~lingthecycle~if~a aea:~i~atlvaltor~ans~actlon ~~s diarged~,sfhat amount~is alsosa floe cn a cFiae~rger to c~e~ennine your total finance charges on balarces for The term °Prime Rate° as used in the Agreement means the highest prima rate, blished in the Wall Street Journal on the first business day of the previous rxlen~r mhth. Arty increase or de~Crease in the Annual Percentage Rate wn I~fake effect on the first day of your billing cycle and may result in a slight increase or ecreasafn the amount your mimmumpayment Th ANNUAL PERCENTAGE RATE (APR for urotrases may vary and will be adjusted each billin cycl t 1 24% above Prime Rate but wilj i no event bees an 19.99%. Using th1s formula, ~e ~PR for purohases m the January 2001 billing cycle 1s 1074%, corresponding to a daily penoaic rate of 0.059~6~. pence' go~rffi of 0 06956%%GU gTtl Isof n~rrula the APR fo~ccustom~CHSh adva Irxes 1n ttr Je anu~aryb~OT bi~ll'ingtcycle Is 2174%, co resp trading to a ida'Iry The ANNUAL PERCENTAGE RATE for cash advances Is 21.99%, corresponding to a daily periodc rate of 0.06025%. If wQ recei r Account t late 2 or more (lines in any ~ period, on each such ac r~rrence we may increase the APR for urc ases up to a mawmum of ~a.30% (wrrespon -log to a doll enodo rate of 0.063 %) and increase the A~R for cash advances and custom cas~ a~ances up tc ma>amum at zd 30% (~onespon ng to a daily ~~riotlic rate of O.D6384% . If after you receive the h1 her rates your payments are recei on Ome and yon meet all othe ~ e s of ~is Aereement for 3 consecutive months, you may contact our Customer Saervice department and, at }rour request, we will rewea yo possi a APR reduction. Fees. We may charge your Account $0 for. each Card you ask un id; each s yment order or renewal auc an order a vn~iin which your b~a ante exceeds ur credf<ime~o dlmit #ee sent to you more than three month~eadier, we may cf large a count in billing es with o rev e spit of the nextlling cycee. R'or ate shown on your statement. New be maid without incuning a finance we '~"'"` ~ 9 9 ~ ~~ balance wa: new ~g cycle incur ari~dit will ~N regaradless ~ whe~e9 tun~naiewavam'~lablelin y~ou~ per ch~eckiang a~ount~ta make Uie payri en~t oast This fee is a FNANCE CHARGE, 1~e cha, e a transaction fee of 3% minimum $5), which is a ons-Ume FINANCE CHARGE, on the Amount of each cash advance, including cash from financial insU~Uons, and ATMs, wire tre~sfere, money orders, lottery tickets, casino gaming chips, and simUar transactions. ( no~comply with any part of this Agreement; ailed Yy or against you; or if we behave in good vnthout further demand or otlce, cancel your may have. In the event o~ your default, the Charges section of this Agreement, even d we is specitled from Ume to Ume in a separate notice. Your monthty statements show your credit line and the amount of rease ar decrease vour credt line based on infomiation we obtained from you or vour credt records. Your available. cre You will'rwt use your Accounf for, acid we may refuse to honor, arty transactan which would cause you to exceed your available credit. Promise to Pay. Yoy p~mise pay us when due all amoun ~rrowed when you or someone .else use your Account (even if-the amount cha ed exceeds your permission , a I o er trarsactions, and charges to ur Account, and collection costs we anc r mcludng, but not limited to, reasonable attorney s flees artd court osts. you van the suit, we unit pay yo reasonable attorney s fees and court costs. or Foreiggn,, ExchangelCurreney Conversion. If you use your Card for transactions in a currency other the U.S riot ors the tre sections w II bQ converted to U.S, doll eneraly usin either a (i) emment-mandated rate or a wholesale market rate m et~ect the r~y before t~e transaction is processed, incise by ~[ree penrent (~%). If a s subse uentty, drvenfbr a ~ansachon, it will be decreased by the same peroen e. The currency conversion ~~~ on the corwereron date may olfter from th~ rate in effect on the date you used your Card. You agree to accept tfie converted amount m U.S. The Card; Canadla4ion. You may cancel vour credit oriviledes at env time by notlivino us in writlnc and destrovinc the Card(sl. Upon the Card exoiretion at may no longer wn[e cnecxs on your Account, and you snouid destroy arty unused cnecxs we Yau will provide us at least 10_days notice if yau_change your name, home or mailing addn or Theft of. Cheeks.or tlre.Card. Each Card must tie signed on receipt You •hant Rel ons. We will not bb~~ Ijable 'rf any arson or Automated Teller MMachine refuses to nor the-Card or d t ycur checks orfail to turn the Ito you, have no resportsf6ili for geod~ and services purohased un'th the Catd or checks except as requir~ay law. (See 5pecia~ Rine below.) Sin be . eflts that are available with the Account are promded gy third-party vendors. We are not responsible for the quality, availability, or results of any a serv~ces you choose to use. ~ Payment Grdere. If veu wish to stop ayment on a ct~~k, y~u may ehd us a stop ant order b~wdting to us at our address for customer service t on yore lament You can make a sptop ~,adyment o r oral y by relating the humber~isied oh your s ement Whenyou make a stop p nt order Host pprroovi Yyoour Aa:ount number and spa C information aboutthe check: 1hQ exact amount, the date on the check, the name of lha p~ wham ii payaole, ham o(the p n who sign It, and-the checkk number you xnll be a ked to confirm an rat stop a ant order in wnUn y~e may gab your oral or~er d we not receive a signed written confimiafion within two wee s after the oralI ordoer, orif ~xe~iave not received a~i adequate np~ion of the item so thaten(gan ~e stopped. The order will not be effective'rf the ~eck was paid b us before we had a reasonable opportunity tc ~n a order, a may, twn o t ialnlily, sregard a wniten stop payment order six months after receipt unylesa it is renewed m venting. dab of Care. Because this Account invohres bath aerial card an Bieck ire ctions which are processed through s era a national tams before rensactlans are consohdaie[j by us,, and because not every check and Cares ip will a sent to us, transactions m your u wil~be processec tenidal wditoyt our necessarily rem~ng eve i 0 r processmg system will callI our attsntjon to certain 'tte~ s which we wr~1 examine. W~ will n allnsachans when you report that yoyr, or chetac~rs have been lost ar stolen, We do not m~e~id ord)lir[riry ~ examine all Items, and we wiSf not u~s~ego~f our I middteodo r~evie[x, and bhesczuse Hero ~ ie ~va8 rth~elled c~Fr c~~sor o°arY care whichh we ipnsgoo arrtehtux~nlll eexxeen:ise in adminmis~tgering lrouBrmArx:duvnatu ~d be dareful_to enter aII checks m your cttedk tegister or ofherxnse keep a record o~cthem IrYOU shaultl al o~~e fro Gthredif card ~shtaatWance anc lase slips. You agree to check your monthly statements against your record and to notify us immediately o~any unauthonzed transactions or errors. rer of Certain Rights. We rnav delay or waive a moment of any proyisian this Agreement without lasing our n'ght to eriforoe it o[ any other sion later. You waive: the ngM to presentment, and protest, or Yrobce of dishonor, any applicable staiute of hmita4ons; and arty nght you may to rerpUre us fA proceed against anyone before we file soil against you. arable law• Severebility; Assiggnment. No matte~r where you live, this Agreement and your Account are governed by federal law and by New Ipshire I~xr 'this ep; is a Tinal e7cpr~s~ion of ale agreement betwe you and us anti ma not bQ contracted by evidence o any ells ed oral ament, if a~ p ~n o~ airs AgreemenC is held to be i Tid or nenfo ea a you and we vnll co airier the( rovis o moddied to co~onn to a licabls and U[e r~~o~ii a provsions in the Agreement will snU I~e eri~orceab~e. ~tarrY Ume after we r~tennine irQgooa faith that any proposed or~nactec lotion, regulatory action, or jpdicial decision has rendered or may render any ma"lariat provisions of his Agreement invalid or unenforceable, or impose ncreasedtax repprtin uiremant, or other burden m connection with any such romsion or~i ,a enforcement, we may, after at leas# 30 days notice tc or without notice if per$riiritad by law, cancel the Card and your Credit pnmleges. N/pe may lien er or assign our right to all or some o your payments. ll ~' ~~ PROVIDIAN Financial state law requires that you receive notice of such an event tb protect the purchaser or assignee, we may give you such notice by filing a financing statement with the state's Secretary of State. NoUees. OthQI ngtices,to u shall be effective when deposited in the mail addressed to Vou at the address shown on our records unless a longer notice period is specif~etl in this ~°reement or by law, which period shall start upon mailing. NoOCe to us shall be mailed to our address )or customer service on your statement (or other addresses we may specify) and shall be effective when we receive it. You el1SUuwe tttctrrs - tcEer nits NorrcE Fats Furultt: use This notice contains important information about your rights and our responsibilities under the Fair NCredit Selling Act. 6'~~ Us In Case of~r or~or Que~onds Abogt YdOUr Bitl. If you think vour bill is wrong or,i~ you need more information about anv transaction on your r , rite us on a sea e s eet. at the a dress Uste m the Bil mg Rights SUnrniaN on your brl. Wrrfe to us as soon as possible. a must hear from you no rater roan 6U days after we t you the first btu on wnicn me enor or problem appeareo. You can te~epnone us, out aomg so unn not preserve your rights. In your letter, give us the ro~jQwin~mfognatlon: -Your name and Account numb ~. -The dollar amount of the susp~cteG_erroc -Describe the error and explain, if you can why you rave ere rs an error. If you need more information, ascribe the item you are not sure ut. you have authorized us to pay your credt card bill automaticaify fromfyour checking apcount, ybu can stop the ayment on any amount you think is wrong. o stop the payment, your letter must reach us three business days be ore the automatic payment is sche uled ~o occur. Yo~~~a and Our Respp~o~~nsibilities After We Reeeive Your Wril~n Notice. We must acknowledge your letter within 30 days, unless we have by then. Within 90 days ,we most either correct the error or explain why we believe the bill was correct. After we raceme oyr letter; we cannot try to act any amount you question, or report you as, delinquent. We can continue to btll you for the amount ~ou question, inc~uding finance charges, and We can appy any unpaid, amount against your credit line. You do not have to pay any questioned amount whi a we are mvestlgating, put you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pa any ,finance charge related to any,quesfioned amount If we didn't make a mistake, you may have to pay finance charge ,and you will have to make u ythe missed payments on the questioned amount. In either case, we will send. you a statement of.the amount yotq owe an~ the date that it is due. If yvou ail to~pay the amount we think you owe, we may report you as delinquent. However, if our ei~lanahon des not satisfy you and ou write tq us vathin 10 days teuing us that you still refuse to pay, we must tell anyone we report you to that ~[ou question your bill.., And, we must tell ypu~e name of arryone we reported u to. We ust tell anyone we report you tp that the matter has been seined between us when rt finally is. f we don't fol ow these rules, we can t collect~he first 50 omf the questioned amount, even tf your bill was correct. Special Rule lorCredif Card Pw-chases, If you have a problem with the quality of the properly or s@ryices that you urchased with our crecGt card and you have toad in good faith to correct the problem with the merchant, you may not have to pay the remaining amount diPe on the nods ar services. There are twq ~imita' ns on this ht (a) you must have made the purchase in your home state, or'f not within your home state, wittgiin 100 miles ~f your current math address; and tb'~the purchase'price must have been more than $50. These limitations do not apply d we own or operate the merchant, or if we rnaile~ybu the advertisement for the property or servces. I DONALD E SHARTZER 314 BRANDY LN MECHANICSBURG PA 17055-2807 Page 1 of 1 oaama PROVIDIAN AAASTERCARD 5418275002125832000740003715850 -------------------------------------------------------------------- TRANSACTIONS Post Dabs DeserlDtlon Trensaetlon Date Amount 04-06CA§H ADVANCE FRDH - PRD TIONAL CASH ADVANCE 04-05 7541728909ti0406990g28T3 5621 3 700.00 ACCOUNTSUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous B8lanee 820.06CR 1-soasss-l sss NEW BALANCE CrarBf LJm 53,715.85 E80 S4 G,~M • PaymaMs .G0 ,g0 Awilable Credal , 52&1 ~, Puretusea & Awwnt Number 5418 2750 0212 5832 Minimum Payment 574.00 other ChaArgea AD Payment Oua Data DS-I tl/99 + Cash Advances t ANANCECHARGE 3,7tq.00 ~~ Avarega ANNUAL Dally BLnmsnl Dab + Late Charge AO Type of Balance Daily PERCENTAGE Periodic 04/23/98 ~ NEW BALANCE 83,716.86 _ gm~~ RATE Rafe Purdlase S.DO 18.86K .0488%" 20 Days M Cash Advance 82,424.76 18.06% .0611 % Billing CyaN aizr~aw i/923 7aY6 PROVIDIAN NA710NAL.BANK We appreciate your business. Thank You! Wy Pa1r010 rats mry very E~Hi~BT ACCOUNT NUMBER PAYMERT DUE DATE ^MINIMUM PAYMEN'. AMOUNT ENCLOSED 5418-2750-0212-5832 ~; ,.~ .._. ~ .u ~. n -- Make Chenka Pryahls To Provldlsn DONALD E SHARTZER 314 BRANDY LN MECHANICSHURO PA 17D55-2807 Get liwtam cask whaoyou aee a cheek a5aehad m tM boNem of youramument FN to aey ameuM up m your avaSabM «.dR. Page i of 1 ooaooo PROVIDIAN MASTERCARD 5418275002125832000740003745130 ~- -----------=--------------------------------------------------------- EsclaNvery ror Provmlan Yanbr~rd cuemmam: Looklmide mrsseltlng appoNneNes mr summer kavslaM weeWMgemwaysl ' You can have mess m your emdOcaro Informatlon aeyume, anyurhwe. Checkyaar avambN balaneq traekyeur charyes, or ew wlmnyour neztpeymem ht duo To Isara mom, go m wnmpovldlamaMmm ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance $3,718.95 1-800.688-1866 NEW BALANCE crodle uns 53,745.13 999 54 _ cr„~u • Paymanm ~ 74.09 AvaimWe Credit - , $54 + Purchases ti Amount Numker 6419 4750 D412 SB32 Mirdmum Paymonl. „_ •, - 574.00 other Charges 08 Payment Oue Dale ~ 06f29)B9 + C~h Nuances •~ + gNAIYCECHARGE 74.48 Avenge ANNUAL Daily emmment Dnm + fate Charge 29.00 Type of Bamnee Dally PERCENTAt3E Perladlc 05!26!99 = NEW BALANCE 53,746.73 Balance RATE Rate Purchase 5.00 19.x% .~48%" 880aye In Cash NVanee 53,736.08 41.89% .0804% &Iling Cyub 316050090 1823 1525 PROVIDIAN NATIONAL BANK •Ddp Priodr Fteh may very We appreciate your business. Thank You! ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMEN ~ AMOUNT ENCLOSED . ,. 5418-2750-0212-5832 ~ _ .:.:..::_ ,......... ::_ ~~~.:.... : ~: - Malh Cheeks Pryslve To Provldlsn DONALD E SHARTZER 314 BRANDY LN MECHANICSBURO PA 17055-2807 Pege 1 of t aoaooo PROVIDIAN MASTERCARD 54182750~2125832000750~~373848~ - ------------------------------------------------------------------------------- ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER- PAYMENT INFORMATION Prevlaus galanca 53,745.73 ~$~a~~~866 NEW BALANCE Credit Lino 53,738.48 54 808 • Cre111h • Paytro~ds - .00 74.08 Available Credit , 5281 t Purchases & Account Number 5418 4750 0718 8832 Minimum Pay111elIt 575.00 other Charges .00 Payment Du! Date 07120/99 t Cash Adwnees t FlNANCECHARGE .00 ~•~ Avenge ANNUAL Daily ~ 8hhmsn7 Doh t Late Charge LO TyPe of Bahnea Daily PERCENTAGE Periodic ~ 06!25/98 = NEW BALANCE 53.738.48 Balance RATE . Rate Purchase 5.00 19.99% .0548%" 80 Drys In ' Cash Advance 53;748.43 21.99% ~ .08112% Bllling Cyole 372525000 7543 1625 PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! 'Oe~y Parloelo Pab mar'pr ACCOUNT NUMBER 5418-2750-0212-5832 PAYMENT DUE DATE MINIMUM DAYMEN'~ AMOUNT ENCLOSED ~: Y , . ,., ......=.r: ....:.ez:_x :..z..u..r. ..._.... . - ~ FAeks Cheeks Pryehls To PravMlen DONALD E SHART2ER 314 BRANDY LN NECHANICSHURO PA 17055-2807 Page 1 of 1 000000 PROVIDIAN MASTERCARD 5418275002125832000750003733140 ~. ------------------------------------------------------------------------------- TRANSACTIONS Post Date DeeerlDttDn TrenaactiDn Data Amount 07-21PAYNENT RECEIVm -- TNANR YOU 07-21 75417209202000403003170 0000 75.00 PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Prevlsus Balance 93,738A6 1-800-688.1866 NEW BALANCE Creole une 93,733.14 DaD 9a Creaua • Paymenq .Dg 75.00 AvallaWe Credit , $'186 t Prrcehaaea & Accmmt Nu~ar 547 8 2750 1127 2 5832 Ylnimum Payment 975.00 elh~ Charges .DD Payment Due Dale 08/20/80 t Cash Advance t FINANCECNARGE ~~ M.86 Average ANNUAL Daily 6falsmsM Ilan t Leta Charge .~ TYPe at Balsas Daily PERCENTAGE Paricdle ~ 07!26/99 =NEW BALANCE 93.733.14 Balance Role RATE POrctlrase 9.00 19.99% .OS46X' 91 Dsys kr Cash Advance 93,730.00 27,99% .0602% ~ Bllling CYSM 3100000D0 1 ~3 1525 PROVIDIAN NATIONAL BANK 'CkOy Paioele neh mey very We appreciate your business. Thank You! ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMEN. AMOUNT ENCLOSED ' 5418-2750-0212-5832 ~ .. ,.~~ _mr _rs~ - . Make Cheeks Psyabis 70 pmvldlsn DONALD E SHARTZER 314 BRANDY LN MECHANICSBURO PA 17055-2807 PROVIDIAN MASTERCARD 54182750021258320007500U3725260 WMs yon acs a cheek atpehad to the bottom ofyour ahmmetd, umte any antoum up to your avaOabN emdlt, than shnpp deposNthe eheokto gettha whyou awd. . Picas sae tM anelesad changes b yauraxoumtums and bnportaetinfonnatlsn aboutyeur ProvldlanacnuM. TRAN5ACT10N5 Poet Date DeacrlD Ian Trans Data Reference Number Amount 08-13PAYNENT RECEIVED -- TNANK YOU 08-13 75417289225000408783659.0000 76.00 PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION PrsWous Balatme 93,733.14 ~~~as$$•y sss NEW BALANCE ~ Credal Una 93)2526 94 000 - Credlls • Payments ~ AO 75.00 Available Credit , _ 9274 ~. Pmehaus A ~ Act:ouM Number 5470 2750 0212 5032 Nitdmtan Payment 976.00 Omar Charges AO Payment Dua Dale 08!78/99 + Cash Advances ~ t-FlNANCECHARGE 87.72 Average ANNUAL Dally Blehmsm Dab + Lela Charge ~ TypaofBalanes ~ Da11Y PERCENTAGE PeModm 95!25!90 = NEW BALANCE 9312528 Balanm RATE Rate Pwchase 5.00 78.WX .0548X* 90 Days In Cash Advance 93,773.74 21.WX .0602% BllllnB CyaN 315252000 1523 1625 PROYIDIAN NATIONAL BANK bat Inefam each whee you sea a oheek atluhed m the bottom of your smtameM. Pegs t m t ooaoao •C)eDy perlotlie R+li mey wur We appreciate your business. Thank You! I ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMEN'i ~ASMOUNT E^NCLOSED ~ .~ _ 5418-2758-8212-5832 '• 1~ -~ Msks Chseka Pryahls To Provhilen DONALD E SHART2ER 314 BRANDY LN MECHANICSBURO PA 17855-2887 PROVIDIAN MASTERCARD 5418275002125832000740~~3717520 ------------------------------------------------------------------------------- When you saes ehsdralmehad m tle, bomm ofyour smmmant, ahnply arrRe anyemaumup b•y0uravallabN endltto get the eashyou Bead. TRANSACTIONS Poet Date DeaeriOtlDn Trans Date Reteren~ Numher Amount 09-16PAYNENT RECEIVED -- THANK YOU 09-16 75417299259000401900499 0000 75.00 PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance 53,74529 1'8oas$s-1 ass NEW BALANCE Credit Un. 53,717.54 D0g 54 • Credits .00 Available Credit , 5484 - Payments t Purdmses & 76.011 Account Number B419 4760 0472 SB34 MlNmum PaymeN,~ ,. ' 574.00 other Charges DO Payment Due gala ,t 70M9199 t Cash Advanesa t RNANCECNARGE .00 87 46 Average ANNUAL ~ ,,:Deity;-~ 9mlemsm0ab + late Charge , ,g0 Typs of Balance Deity PERCENTAGE Periodla ` 09/24199 =NEW BALANCE 53,717,54 BNanu Rale RATE Purdtaae S.DD 10.09% .0640%" 90 Days In - Cash Advance 53,747.311 21.x% .0802% BlBing Cyefs 379999000 1523 1648 PROVIDIAN NATIONAL BANK GetlsataN eashwhen you see a check below. Page 1011 ooeeao 'OeTy Period" Rule may vary We appreciate your business. Thank You! .- - '~ ACCOUNT NUMBER ~ PAYMENT DUE DATE MINIMUM PAYMENS AMOUNT ENCLOSED 5418-2750-D212-5832 - ~ __: ~.. .. _ _ . - - Neke Cheeks PsyeWs Te = Pmvldten DONALD E SHART2ER 314 BRANDY LN MECHANICSBURO PA 17055-2007 Page 1011 000000 PROVIDIAN MASTERCARD 541827500212583200074D003712970 EoJoy gnat aavings when you nmaear tYom HSrhl Pba»sss lnserttor dafalln. - Looklmlde foreultlng aheppily wvinge pr88eMas. ICs ourway of eaying'MANKYOU• Mr usingyeur Pmvklbe OtasOerCard. TRANSACTIONS Post Date DeacrlOtlon Trana Date Reference Numhar Amount SO-15PAYNENT RECEIVED --THANK YOU 10-15 75417209288991400890747 0000 74.00 PV ACCOUNTSUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Prsvlous Balance 53,717.52 1.80U•688.1866 CrodItBALANCE 53,E ~ • Cradid • Paymenb .DO 74.00 AvaNatNa Credit 5287 t Purtlusas i Aeeoun/ Number 8418 2780 717 2 8832 MlNmum Payment 574.00 other Charges .OD Payment Due Dale 11A9/99 t Cash Advances t FlNANCECHARGE •00 89 48 p~rage ANNUAL DNIy B1NemsM DMs t Leta Charge . ,O0 Type of Balance Dally PERCENTAGE Perlodlc 10/25/99 ~ NEW BALANCE 53,712.87 BNanca RATE Rate Purchase 5.OD 20.24Y. A588%' 81 Days In Cah Advance 53,718.61 41.99% .0602% Bllling Cyob 318181000 1913 11126 PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! •0§By PNode Hale mq vary ,<,~~,.~ ACCOUNT NUMBER PAYMENT DWE DATE MINIMUM PAYMEN -AMOUNT ENCLOSED 5418-2750-0212-5832 a~ _:-:_..~_.... yc>.~?€! _~, -. HLke Cheeks Payable To Pmvkllsn DONALD E SHARTZER 314 BRANDY LN MECHANICSBURO PA 17055-2807 Page 1011 aaooao PROVIDIAN MASTERCARD 5418275002125832000740003706220 ------------------------------------------------------------------------------- TRANSACTIONS Poet Date Daacri0tlon Trans Date Reference Numher Amount 11-16PAVNENTRECEIV® --THANK YOU 11-15 75417289319991400110791 0000 74.00 PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previeln Balarles 53,71297 1-800-688-1866 NEW BALANCE cradN urre 53,706.22 54 D6D credits pg Available Credlt , 5263 • Payments + Purchases 6 74.00 Aeceunt Number 54'16 2750 0212 5932 MlNmum Payment 574.00 olhar Charges ,Dp Payment Due Date 72M9AH7 + Cash Advanms t FINANCECHARGE .00 87.23 Average ANNUAL Daily Bhbment Dots t Late Charge AO Type of Balance Dally PERCENTAGE PaHodle 11/24/90 = NEW-BALANCE 53,70622 Balance RATE Rata - Punafaae 51.07 20.49% .0561 Y." 80 Osys In Cash Advance 53,719.85 21.99% .Oti02% 91111ng Cycle 37D000000 7523 1910 PROVIDIAN NATIONAL BANK 'Dally PmWdo iW mer ~Y We appreciate your business. Thank You! ACCOUNT NUMBER PAYMENT DUE DATE -MINIMUM PAYMEN AMOUNT ENCLOSED 5418-2758-8212-5832 ~~ :.,.~,va€ L.~ .................. ~z,....~ ~.. _. 7telot Cheoka Pryahle To Pmvldlan DONALD E SHARTZER 314 BRANDY LN MECHANICSBURO PA 17055-2887 Page 1 011 acooao PROVIDIAN MASTERCARD 541827500212583200074U00370626~ PlWSe roedtM eeeroeed broohuro about howMmaintalnyourgood eretllt. provlNan Rnorcml w66es you and youro a happy aed eels ho0dry season. TRANSACTIONS Peat Data DeaerlDtlon Trena Date Reference Number Amount 12-20PAYNENT RECEIVED -- HANK YOU 12-20 75417289354991400550596 0000 74.00 PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION PreWous Balance 53,708.24 - '1.80.688-1866 NEW tIALANCE creme una 53,708.48 54 000 • credit: - Payments .ao 74.00 Available Credit , 5483 + Purchase: & -Account Numher 8478 27W 0412 5832 MlNmum Payment 574.00 other Charge: ~ .DO Payment Due Data 01/47/00 t Cash Advance: t F/NANCECHARGE .00 74.00 Averega ANNUAL Dally 9hdsmpnt Dam + tale Charge AO Type of Balance Daly PERCENTAGE PaAodlc 12/27/98 =NEW BALANCE 708.28 53 Balance RATE Rele , Purchase 5.00 20A9Y. A561 %" 88 Days In Cash Advance 53,724.09 21.89X .OW2% Bllling CyaN 370767000 7523 7648 PROVIDIAN NATIONA4 BANK 'Daly Pxhtllr Rda may rmy ' • ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMEN. AMOUNT ENCLOSED ~' $418-2750-0212-5832 _ -.. Matra Cheeks Payahh To Provldlan DONALD E SNARTZER 314 BRANDY LN MECHANICSBURO PA 17055-2807 Page 1 of 1 oaa~a PROVIDIAN MASTERCARD 541&275002125932DDD74DDD3697200 ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION PraWOUa Bala~a 53,70628 1.800-688-1866 NEN1 BALANCE cnmt une 53,Bw.2o 54 D9D - Cremta ,Og Avallahle Cremt , 5302 - PaymaMa + Purchases & 74.80 Axount Number 5418275011212 5832 MtNmum Payment 574A0 other t:lrargas ,Dg Paymenl Due Date 02M9A0 t Cash Advances t RNANCECHARGE .OD ~•~ Average ANNUAL Dairy Slalemsnl Dsb ~ t Late Charge ,00 Type of Balance Dally PERCENTAGE PaNodie ~ 01/25/00 =NEW BALANCE 897.20 53 Balance RATE Rala ~ , Purchase 5.00 20A98 .0581 X" 29 Oaya In ~~ Cash Advance 53,717.14 21.99X ..06028 Bllling Cysie 37a0000W 7523 1628 PROVtDIAN NATIONAL BANK •oary wewnm ~a mey ren We appreciate your business. Thank You! DATE: MINIMUM PAYMEN. ~ AMOUNT ENCLOSED ACCOUNT NUMBER PAYMENT DUE_ - 5418-2750-0212-5832 ,..::. ,. M.~. .. _ .~.. . ~~ Meb Cheeks Psysbls To Provkllen DONALD E SHART2ER 314 BRANDY LN MECHANICSBURO PA 17055-2807 Page 1 of 1 ccaaoo PROVIDIAN MASTERCARD 5418275002125832000740003690210 ------------------------------------------------------------------------------- TRANSACTIONS Poet-Data DeacrlDtlan Trena Date Reference Numhar Amount 02-16PAYMENi RECEIVER --THANK YOU 02-16 75417280047991400070522 0000 74.00 PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION ProVluua Balance - 53,68720 ~$Qa~s~•I866 NEMI BALANCE Credit Llne 53,680.21 54AaD - CrodNa .OD Availahle Credit 5308 - Paymanla + Pm•chasea $ 74.00 Aceounl Numhar 541 B 2780 0272 5832 Minimum Payment 574.OD other Charges DO Payment Due Data 03/20/OD + Cash Advances t FINANCECHARGE .00 ~ M Avenge ANNUAL Daily elebmenf DsL " =NEW BALANCE • 53,6eo.21 Type of Balance Daily PERCENTAGE Periodic 02/2M00 Balance RATE Rata Purdraaa 5.0[1 20.74X .0588%" 80 Daya In Cash Advance 53,7W.35 21.89Ya ,0602 Y. Billing CyeN 370000000 1523 7528 PROVIDIAN NATIONAL BANK 'OeAy Paiodly Rata may vary We appreciate your business. Thank You! ` ACCOUNT NUMBER PAYMENT DUE DATE TNINIMUM PAYn .f AMOUNT ENCLOSED 5418-2750-D212-5832 _.-. __ a _~ ,. -~ ANks Cheeks Payable To Provldlen DONALD E SHARTZER ' 314 BRANDY LN MECHANICSBURG PA 17D55-2807 Paget 017 aohohe ' PROVIDIAN MASTERCARD 5418275002125832DOD740DD3689880 Providbn eardholdm rN Odve Happy(St81 Wth yearrcund mseoums off Agmo's low mta8 mdse. dust ~aManAbma(R) ear, Uwe gdnaodbank ilr aavingel For ~asarva0oes, call Alamo at t-a8ha947382 Ba sun to nquutlDBB74688 and Rab Cada RY. ACCOUNT SUMMARY CUSTDMERSERVICEPHONENUMBER PAYMENT INFORMATION Prevloua Bala~rce 93,SS027 1-800-688-1866 NEW BALANCE crams una 93.889.(18 DOD a4 • credib .DD Available tXemt , 5310 - Paymenb t Purchases & 74.00 - Account Number 5416 272M 0812 8932 Nlnimum Payment 574.0(1 OMer Charges ~ ,O0 Payment Due Dale .5. , , 04I22A0 t Cash Advances •~ ~ ~ t h7NANCECNARGE 73 87 Average ANNUAL. llalry ~ ~ atahmsnt Dnb = NEW BALANCE . 53,889.88 Type of Balance Dalry PERCENTAGE Parladld 03/29/00 Balance 847E Rata Purdtaae 5.00 20.74% .0868X• 88 Gays In Cah Advance 93,708.70 27.99% .11802% Bllling CyeY alanannW 75Y3 72726 PROVIDIAN NATIONAL BANK •OVYIr Paa~r ReN mey very We appreciate your business. Thank You! ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYA ! AMOUNT ENCLOSED ..... _ ~ 5418-2750-0212-5832 _ _ _' ~ i -~ -- Afnb Chrohe Pryeble To PmvYYn DONALD E SHART2ER 314 BRANDY LN MECHANxC5BUR0 PA 17055-2807 Pege 1 of 1 000000 PROVIDIAN MASTERCARD 5418275D0212583200D7400D3678410 ------------------------------------------------------------------------------- NOTICE OF CHANGETO THETER1180FYOUR ACCOUNT AGREEffE11T. Plqu bep thY eotlee -or year Meordn. ThutoiloadngwNMaddMbtha'Faes'sadloa ofyourAeeountAgnumem and a1U W Wma afheave May 16, 2000: If you nrquatthmwa mab a onu•tbs automatle paymem ham your pamo®1 ehseNing aeeW m, re may ehargsyourADWUma tes of y/.OS loreaeh request Thin feu Iu a RNANCE CHARGE, and N aa9 apply ngmdNee of whutbr Nads aro avagableleyom paesoeM eheeldeg axoumto mab thepaymem. TRANSACTIONS oat ate DeeerlDtion Trans Date Reference Number mount 04-27.PAYNENT RECEIVED --THANK YOD 04-21 75417280112991462682073 0000 74.00 PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Pravimu Balanm 53,88996 1-800-688.1886 NEW BALANCE .: credit Wro 53.676.47 54 000 . c,~u ~ ,,. AvaOahle Cndif~._ • , 5327 - Paymanta + Purchases & 74.00 Account Numher 6418 2750 0272 5632 .. Mirdmmn Paymdnl ~ ' ~ 574.00 other Charges pp Payment Dun Date 05/20NI0 t Cah ~~ t FINANCECHARGE '~ ~•~ Avenge ANNUAL Dalty Bhhmenl0ats = NEW BALANCE 678A7 53 yype of Balance Dally PERCENTAGE Periodic 04!25/00 , Balance RATE Raln Purchase 5.00 20.74Ye 95X" 28 Dnya In Cash Advance 53,706.74 21.99% .08027E Billing CyaY ilN/WW 1323 1920 PROVIDIAN NATIONAL BANK 'Defy Pmieee Rae m~ "mY We appreciate your business. Thank You! ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAY. .r AMOUNT ENCLOSED 5418-2750-0212-5832 ,~~: ~ G ~ , - - r . ~::. - thke Chsoks Psyehle Te Pnfvldlsn DONALD E SHARTZER 314 BRANDY LN MECHANICSBURG PA 17055-2807 Page t of 1 oraooa PROVIDIAN MASTERCARD 541827502125832000730003670980 Pbase see the enclosed Imporlaat hdarmatlon aboutyaur Wovdron xeouM. TRANSACTIONS Poet Date Deacri0tlon Trans Date Reference Number Amount 05-15PAYMENT RECEIVED --THANK YOU 05-15 75417280136991461831152 0000 74.00 PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION PrsWous Balance 53,676A1 1-800688-1$66 NEW BALANCE cremtu~ 53,070.98 DDD sa • cremta • Paympnls ,gg 74.90 Available Credit , 5329 t Purchasoa 8 Aceaunt Number 3419 4750 0212 6832 Minimum Payment ~ 57390 other Charges ,00 Payment Due.liale ,.~. OBH9/00 t Cash Advances •00 ~ t F7NAAfCECNARGE BB.S7 Averago • ., -ANNUAL al } r ~ ]Y.x Shdemsnt ML = NEW BALANCE 870.98 53 .,:. PERCENTAGE TYPe of Balance Daily ,,PprledlF " ~ 05/251011 , Balance RA7E Rate Purchase 5.00 ~ 20.99Y. .0676X" s0 Wye In Cash Advance 53,BB3A3 2199% ,0802% Bllling CyeN 318484000 13't3 1528 PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! •Deiy Wrfoeo tmu m4r vary }.~~.~ ACCOUNT NUMBER 5418-2750-0212-5832 PAYMENT DUE DATE MINIMUM PAY..dT AMOUNT ENCLOSED -. Melu Cheelu PsyaWe To Provldlen DONALD E SHARTZER 314 BRANDY LN MECNANICSBURO PA 17055-2807 Page 1 of 1 oaaoao Dlns atyourfaverih mutaurant or shop onOrw~ tlm pasaWyltlea are endless w6hyour ProvbOao mdit nary 9baeeepOW worldwMe and Nean M uad In w maey ways. PROVIDIAN MASTERCARD 5418275002125832000730003662220 ------------------------------------------------------------------------------- EnpygrwtaavingswhenysummacmhamNerMl PWnsas heertfor ded0a. ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION ProNoua Balance ;3,67099 ~'$DO'~'~866 NEW BALANCE Crodit Line $3,88222 54 000 • Crodita ,gp , • Paymanla 73.00 Available CroMI 5337 + P~nchasea • AoeouM Number 5419 2750 0212 5832 MlNmum Payment 573.00 other Charges ,00 Payment Orm Date OIN 9100 + Caah Advances •~ + R4YANCECHARGE 9424 Average f B l E ANNUAL ~ Dalry,; RCENTAGE l l 9lgrmment DuL / = NEW BALANCE 53,66222 ord a ance Dally P Per n._, T71Pa o `~ 06/23 00 Balance RATE Rats Purchase S.OD 2124% .0682%• 29 Dsys In Cash Atlvanee 53,879.80 21.89% .0602% Bllling Cyols 377879000 1t~3 i2i26 PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! 'Da6y Nerlodb fleta mry wry • ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYS ..T AMOUNT ENCLOSED 5416-2750-0212-5832 _ y:~ t _ -. Make Checks Pryahhl To PmvWlen DONALD E SHARTZER 314 BRANDY LN MECNANICSHURO PA 17055-28D7 Page 1 a 1 oooaoo PROVIDIAN MASTERCARD 5418275U0212583200148000376249U ~. Summer la kalsl Enjoy the 8exl810ty ofuaingyour ProNdbn ered8grd. a U acrepted woAdwlde ao 0 can travel with yen ngwherel MESSAGES FROM PROVIDIAN MASTERCARD Pews eotlre tM ffiow amoum irebdee any pest due amount and mustb pant Immedbbty. Nyw Imwabretly ssnta paymset, flmek you and please meregard tbb notlea. Nyeu reed to maksenangmenb for peymeet plwre call t•600.7SS•St82 ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION PrsNous Balance $3,66'121 1'-800-688.1886 NEW BALANCE ; . creme ulm 53,781.49 aaD 54 • credit: ,DO Avalbble creme , ~» - Payments t Purdmaea & ~ .oD Account Num6ar 54182760 0212 5632 . Mlydmum Payment 5146.00 otlrer Charges AO Payment Due Dalq~ OBM9N0 t Cah Advaneea .00 ~ t FWANCECNARGE 7127 Average ANNUAL DaIIY Slnbmsnl Deb + Late Charge 28.00 a o! Balance Dally PERCENTAGE Parlamc ~ 07/25/00 (PnWous Due Date 07-18) Balance RATE Rate m NEW BALANCE 76tA9 $3 ~a e p Ly 9 , Cas Advance 53,886.64 11 A8% A602% eM 91 b 373ea9eW 7$3 7628 PROVIDIAN NATIONAL BANK 'Oder Prbtllo Role mar very We appreciate your business. Thank You! ACCOUNT NUMBER 5418-2750-0212-5832 PAYMENT DUE DATE MINIMUM PAY. f AMOUNT ENCLOSED . ,:~.: w. 'rc ~ w .9. -. palm Cheokn Psyahle To Pmvldlan DONALD E SNART2ER 314 BRANDY LN MECNANICSHURO PA 17055-2807 Page 1 of t OOOa00 PROVIDIAN MASTERCARD 5418275U0212583200074U0~3683690 ------------------------------------------------------------------------------- Tab adva~ge of epedel savinge from Alamo whanyau nmapr uaing your Prevldpn natl. Looklwldey9uraartemsntf9r PravMlnn•uemahmaaupons and dlsmueta. ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Proviaua Balance 53,782A9 ~'800'68s'~866 NEW BALANCE Cnaalt una 53,883,89 D00 S9 - cradle • Payment .SD 148.80 AvallaNO Credit , 5378 t Purchases 8 AeeouM Nu~er 54782750 0212 5832 ~ Minimum Payment 574.00 other Charges .DO ~ Payment Due Date 08/18/00 t Cash Advances + f7NANCECffARGE .00 ~~ AVara9e • ANNUAL Dalty Bhbmenl Onto = NEW BALANCE $3,883.M Type of Balance t>aily PERCENTAGE Perlodle 08/25!00 Balenm RATE Rata Purchase 527.47 21.74% .0598%" ~ 87 Onye In Cash Advance 53,883.83 27.09% .0802% Bllling Cyole 378989500 1523 7628 PROVIDIAN NATIONAL BANK 'DSy Pxletll" Rde mey very We appreciate your business. Thank You! ACCOUNT NUMBER 5418-2758-8212-5832 PAYMENT DUE DATE MINIMUM PAY, ! AMOUNT ENCLOSED -~. Make Chsoka Psyahls Te Pmvldlan DONALD E $HARTZER 314 BRANDY LN MECNANICSBURG PA 17055-2887 Pepe 1 011 aoaaoo PROdIDIAN MASTERCARD 5418275002125832U014900037821~U ------------------------------------------------------------------- YleRtha CaNmemher Camer atwam;rovlPlareMreeom• you can vleryouraeeoaM INormatloq make a payment, ortake advaNaq aF monry-awing ddeouMa. MESSAGES FROM PROVIDIAN MASTERCARD Plana notlee tlr above amould ledudna any past dw ammld aM moat M peld hnmadlahty. Hyau hnw alrwdY sem a ptiymanR thankyau and please dhtregaN tbls retlea. Ifyoa reedb makeamngmmta torprymempkraae ca111-Ba0.7fD•Sit2 ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Pravleus Balance 53,683.89 1.800-688.1866 NEW BALANCE .~ a . Credll Una ._, =8,782.10 =4 000 • credlta • Payment .o0 '~ 00 - Available Credal - ~ , ~ x'17 t Purtllasea & . Amowt Numhar 8418 7/50 0212 8832 MlNmum Payment, .. , ~: 5149.00 olheF Charges ~ ,00 Payment Due Da(e~`; ;, ~ „ 10/20100 + CF7NANCECHARGE M.4w1 Average ANNUAL Dally 9ktlelrent DNe t Lals Charge 29.00 Type of Balance Daily PERCENTAGE Periodic 09/25/00 (Provlmw Dua Date 09-19) Balance RATE Rate = NEW BALANCE 53,7ffi.10 Purdtaae S"18.ffi 21.74% .0596X• 81 Dnya In Cash Advance 53,700.03 21.99% .0802% BIIIIng CyeM :t'le/e/YIN 1b23 lie PROVIDIAN NATIONAL BANK 'Ord/ Peemo nee mry wy We appreciate your business. Thank You! ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYME.: AMOUNT ENCLOSED I - 5418-2750-0212-5832 - Nakn Chuks Psyshls To Prdvldhn DONALD E SHARTZER 314 BRANDY LN MECHANICSBURG PA 17055-2807 Page 1 of 1 oomaa PROVIDIAN MASTERCARD 5418275002125832002260003880040 ------------------------------------------------------------------------------- VhR the CaNmsmber GemratwunrproWdpnonllnesom•you can vmwyouraecould. hdenne8on, makeapaymsm, orfalr aMamageMmonry-eavingn dlncoumn. Enpy 9~wtaavlryp warn you root aem frcm Heratl Plwao sae InaeN for damlh. Sava up m 40%attha mourn wNh your ProvMmn MastelCardl Tab advallmp of tNs axtlang MaamrCard E~luahna often m purchase dmoaunmd mwm iklrm and apaehl snOmWnmeldcomho paeNages Fm man InPonnatlon aboutthm o1mr, pmaae aaa SM mrclosed lnsarL MESSAGES FROM PROVIDUIN MASTERCARD Yovrpaymeld don leWUdea any pant dueamountihatmsstM pall lmmadharry. Yauraeeount may be psrmanamry dosed wahsulthls paymsm. To weld mrthsr co8aetlos mgaaM lam teen ,. phnrepry lmmedmmty, erpll 1.888.7S8.81g2mmahaamngamantu far paymnut ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION ' Previous Balance 53,782.70 y-soasss-~ sss NEW BALANCE Credit t,n. $3,880.06 54 DDD . Cram ,~ Awllahle Credit , 5778 - Paymanls + Purehaaes & ,gg ,Account Numhor 5618 2760 0212 8834 MlNmum Payment 5228.00 other Charges ,O0 Payment Due Date 11H9/00 + Cash Advances + FINANCECfIARGE 50 ~ ~ Average ANNUAL Dairy 8mm~nt Dms t Leta Charge • 29.00 Type of Bamfrce Daily PERCENTAGE Periodic 70/25/00 (PraWOUa Due Gam 70.20) Balance Purehaaa 54653 AA7E Rale 47.74% .0598%• 90 Days In = NEW BALANCE 53,88D.06 Cash Advance 53,788.87 21.98% 5602% Bllimg Cyam 378202000 1523 1528 PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! 'Oa1y IMiodo Rde mrywry BALANCEAa PAYNENr mNWUM ACCOUNT NUImEn ~ OFIINMSO DUE DATE PAYrtENT AnOUNT ENCLOSED 5418-2758-0212-5832 - ~ ~~ - - tNke Chsoha Payshle TD PmvWlnn DONALD E SHART2ER 314 BRANDY LN MECHANICSBURG PA 17055-2807 ~= Pege 1 of 1 Dooaoo PROVIDIAN MASTERCARD 5418275002125832QQ3050003979770 ~. ------------------------------------------------------------------------------- 0atnpto•dab aemum IMomlatlon arrytlme you vmntatamv.prevldtanonNreom. You mn abo pay yourbR, dgn upfortha MyTm04l(nm)e-vr0lW, orsoJoy ahoppinA dlamumol provh8ae gbp you faurviaysremal®your momhy paymsot RNar to the eimlmad 1ldormatlon is datermine the paymem op0an thmta dght foryml MESSAGES FROM PROVIDU\N MASTERCARD Ymr paymam duo Indudas aey past due amountthatmnet he paM Immsdlatary m avoid further oreditdamage and possllNe rNenal of Yoor seemed far Nrthuee8aetloD aetloa Pleaeo ea87i00.788.81s2b mab paymsmanengemsnh. ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance 53,000.04 ~ ~~00~68~y~s6 ' NEW BALANCE Crodlt Lena 53,979.77 34 000 • Credits AO . AvaiWble Credit , 500 - Paymerlta t Purchases & .00 Account Number 8419 2780 0212 5932 Minimum Payment 5306.00 other purges .00 PaymaM Due Data 12h9100 + Cah Advances + FINANCECHARGE AO 70.73 Average ANNUAL DaIIY Bfemmnnl Oslo + Lata Charge 29.00 TYPe of Balarrce DaIIY PERCENTAGE Periedie 11l24/OD (Previous Due Date 11-19) Balance RATE Rate = NEW BALANCE Z{,g7g,7y Purchase 376:83 21.74X A596 X" 90 Osys In Cash Advanm 53,837.32 27.99X A6D2X Bllling Cysla 37e3W00E 7TrL3 7528' PROVIDIAN NATIONAL BANK We appreciate your business. Thank You 1 'DaOy Panotlb Peh may very BAWNCEAB PAYNEM mmWt ~ I ACCWNT NUMBER W1aQr100 DUEDATE PAYItEm AtpUNf tNCL09ED 5418-2750-0212-5832 ,. '.., x_:.~ ~~ Mnte Cheats Payable Ta Provldlnn DONALD E_SNARTZER 314 BRANDY LN NECHANICSBURO PA 17055-2807 ~= Page 1 of 1 aaawo PROVIDIAN MASTERCARD 5418275002125832003860004088630 ~- ------------------------------------------------------------------------------- Ywr axoum b past due aed must be paid Atmedlatny b avoM mrthercmdR dmnape and possibb telerral of yoorawsumtar addlfbml wlMetlon aetlon. Nyou am unabbbmalmyourprymamlmmedbby, call us m.l•800.753.8142 Alw nob tlmt Your acnnuntlas86.68 ovsrywr$4,000.OD mndltgne. WNMyourAwwm Apraementmay mqufreyou b pap title owrllmNemoum,•se me givlnpyw the f1atR91ty of paying ony x70&00. PoNn9 JuattNs miohnum due paymamw9l Wveyouraxountin an ovedtnB atams. VYe ennoumgs you b pay tin addmonef 364.83 as soon u poesiblw ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION vrewoua Balance 33,979.77 1-800.68&1866 NEW BALANCE ~ Credit lJne 34,088.53 ' '~ S4 DDD • Payments OD Avalmble Cradil •,. is , SOD t Purchases i Awount Number 5418 2750 0272 5832 Minimum Payment; ~,„ 3 xi88A0 Dther r2mrgea .Op Payment Due Data O1/21N1 t Cash Advances AO + RNANCECHARGE 79.88 Average ANNUAL Dally 9lammsnt Ibb + Late Charge 29.00 Typa Df Balance Dairy PERCENTAGE Periedle 12/27/(X1 (Previolm Dua Date 12-t ~ - Balance RATE Rale = NEW BALANCE 34peB.63 Purchase 3`107.35 27.74% AS95%• 00 Days In Cah Advance 33,870.84 27.99% .0602% BIIIInH Cyst 37DDOWW 7523 182B PROVIDIAN NATIONAL BANK •Ddy Pmioma Ralr mq wry We appreciate your business. Thank You! ~, BALANCEAB PAYNENr NNINUN AccouxrNda1319i OP 01/!YM OUE HATE PAYMEN. 5418-2750-0212-5832 DONALD E SHARTZER 314 BRANDY LN MECHANICSHURl3 PA 17855-2807 Page 1 d 1 000000 420 ARIOUNTEnCL08EU Make Chense Pryahle To Provldlsn PROVtDtAFI BAA3TERCARD 5418275~0212583204163150416315U ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Preview Balanco S4,OBB.63 '1.8Oa28a0559 ~~~ eNCE sta~ .1~5 - creels .oD Available CretSt SBB -Payments t Purehaua tl .00 AaouM Number 5418 2750 0212 5832 Ninimum Payment 14,153.15 other Charges .00 Payment Due Date 02ROf01 t Cash AdMnaa t FINANCE CHARGE •~ 74 52 Average ANNUAL Dally 8labnanl DaY = NEW BALANCE . 183,15 54 Tie or Balance Dally PERCENTAGE Periodic 01/28/01 , Balace RATE Rate Purchase 5735.64 21.74% .0586%• 80 Gaye M Cash Advance 53,685.73 27.99% .0602Ye allllnp CyOM :+wwww 1623 7626 'OBlly PINIOOe nee met Very THI5 IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. PROVIDIAN NATIONAL BANK Aceess to credit Is essentlai in today's world. BNnging your Providlan account ~ PAID status would be an important step toward Improving your credit record and restoNng your access to credit. ,;n .~ 9ALANCEA9 PAYmM MWMUI ACCOUM NUNBEa OFOY~Of DUEDATE ENCl08ED PAYMINI AMOIIM 5418-2750-0212-5832 94.17(1.11 tMH27, 2001 ~ 54.179.17 19 ~ -- Males C hnnks Peyahls To Pnrvldlan DONALD E-SHARTZER 314 BRANDY LN MECHANICSBURO PA 17055-2807 Page 1 of 1 OOO0a0 z1o PROVIDIAN MASTERCARD 5418275UU21258320423911U4239110 -- ------------------------------------------------------------------------------- 3DD000OW 1883 1526 r. ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance :4,153.15 1-800-280-0559 NEW BALANCE creme une 54,7.19.11 s4 ow • crealb • Payments ,pp ,pp AvaOable C7'emt , Soo t Purehaa~ & Account Number 541E 2780 081Y 5188 MlNmnm Payment 54,239.11 s~~, ~~ ~ ~ Payment Due Dale 03(83101 t Cash Advances t FINANCECHARGE •~ 75.86 Avenge .ANNUAL Daily ebbmsN Dab = NEW BALANCE 54~~.11 Type of Babncs Dally PERCENTAQE Periodic 02/25/01 Balance .RATE Bale Purchase 57.46 21.74% .0.496Yee 81 Days In Caah Advance 54,059.83 21.l~Ye .0602% aIIIIn9 CynY •De2y PWadio F7ale mey wry THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE'USED FOR THE PURPOSE OF COLLECTING THE DEBT. PROVIDIAN NATIONAL BANK Access to credN ~ essential in today's world. BHnging your Providian account to PAID, status would l1e an Important sip sward improving your credft record and restoring your access to credit. 1 I ~ ~ ACCOUNTNUAiBER 5418-2750-0212-5832 BALANCE Ae PAYIIaiNr MNINUa OF03PB'DY DUE DATE - PAYNENT AAgUNfENCLOe® Sa,23E.11 APR 22, 2001 seea.oD Make Chaska Psysbb To Pmvldbn DONALD E SHARTZER 314 BRANDY LN MECHANICSBURO PA .17055-2807 Pege 1 0l t aoaaaD zzD PROVIDIAN MASTERCARD 5418275002125832005540004239110 ~_ ------------------------------------------------------------------------------- "'PLEASE SEE ENCLOSED DIPORTANT LEGAL NOTICE CONCEpNINO THE ADDI710N OF AN ARBRRATKIN PROVISION TO YOUR ACCOUNTAGREI3YENT. PLEASE READ R CAREFlILLY AND KEEP R PoRYOUR RECORDS.`^ ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION PreWous Balance 54,238.11 1-800.280-0559 NtW BALANCE t:remt une 54,230.11- 000 54 • creNta .DD Awileble Credit , 500 PaymeDts + Purchases $ ,QO AceeuM Number 5418 2760 0212 BB32 Minlmwn Payment 5684.00 other Charges .00 PaymaM Due Date 04B2f01 + CF7NANCECHARQE Olt Average ANNUAL Datlp ~ . " .91aNnent 0414 =NEW BALANCE . 54,230.11 Type et Balance Dally PERCEMAGE Perigdf2 ,. 03/28/07 Balance RATE Rate Purchase S.OD .OOX .0000% 800eys In Cash Advance 5.00 .00X .OOWX Bllling t:yab 30a0SODOD 7~3 1~B PROVIDIAN NATIONAL BANK INe appreciate your business. Thank You! -0~~, _ 1 , L PAYMENT IMAGE RETRIEVAL SYSTEM Print Date: 11/0212001 Time: 01:21 pm Account Number Tran Date Payment Amt Minimum Pmt Outstanding Bal 5418-2750-0212-5832 08/1311999 $75.00 $75.00 $3,733.14 .. .. .. .... .1915 ' DONAIp E.SHARTZER su ew+MOV iLty "' ' MECtfAWIC58URG. PA 17055 - - ..... •• .. ~ . •. _ .... • ..• • '" -• t1D~1273/9'l91118 . 19~ PAY TO THE ~ i ~ ORDER OF ~L' V /Z.,~j .. z ~......~.. ---PNC~~TI[~-' - ~ --•--- -- ~---•-- ~-- P ~ - . . al C A MO PLUS PD~.~yr~.~~~cs ~1~ .~'ar3.2. - . i;D3i3i273$1,i9i5 u'Si~.Di£6523u~ No Back Image Available EXHI~I~° PAYMENT IMAGE RETRIEVAL SYSTEM Prlnt Date: 11/02/2001 Time: 01:20 pm Account Number Tren Date PaymentAmt Minimum Pmt Outstanding Bal 541&2750-0212-5832 02/15@000 $74.00 $74.00 $3,697.20 DONALD E. SHAR_TZER 2119 314 BRANDY LN MECHANIC&BURG. PA 77055 > 8Dd273/313108 't'•~ ~1 ,19. L+ C .. r PAY TO THE ~ ~~c~ C'j ORDER Of ~ ~L"7"te~ ~~//~_~ ~ ~ ~~ ~ ~ y~. ~.,~i .«,~.,~. ~... ~/i+~ ~~' ~i~i DOLLARS ®' o:~n»an aw PN ]~~1~]C~ $~, ~~ /~ Central PAN 0!0 PLUS ~ / ~ J iv,.-~ / Y.~/l ~:03i3i2738i: 2319 4.5140i66523>a No Back Image Available PAYMENT IMAGE RETRIEVAL SYSTEM Print Date: 11/02/2001 Time: 01:19 pm Account Number Tran Date Payment Amt Minimum Pmt Outstanding Bal 5418-2750-02125832 03@012000 $74.00 $74.00 $3,890.21 DONALD E. SIfAA7ZER .,~: .., ....:.. .. • : t ' . ;••.- ...... - 2Zr+O • 'w . 814 BRANDY tN ... ... _ _ - MECHANICSBURQ, PA 17055 • - ••• •- - • - ~ .~.,,~j •--• • • ^^ - • •- 604279r9t910B r - ~ '? ' - - Q~~~ ~/'6'C4 c..nin r+... a ~ V Y/~ J1f V Y~1 p,,•,,,.,~, Central PA~A10 0 P~ i g j'~ ~ ,~ tanrnt ~",~l~.r7 Q ~~z ,~'~ 3.2 i~~ ~:03L3i273B4 2140 ~'S~4D 6523t~' awus~xn.ws No Badc Image Available .. elgellany a6ewi ~B9 oN DQNALD E. SHAATZER 314 BRANDY tN MECNANICSBl1RG, PA 17055 • .w !' Pl\ C 11D~iV ~ Prio pCentralral PAN 040 Plus . ~ ~ 2062 eo-1z~sr3131oe Hr C a eu.,.v ti.ir« ~ fly"' - 9:9 ~ v uwuaeew. ~:~3i3Z-2?38i: 2062 u'5140i66523n' ,~~,~e 99'699£$ 00'6L$ 00'4L$ OOOZ/LZlbO Z£99~ZLZ0-09LZ-9L45 deg BulpueLsLnp Iwd wnwlulyy lwt/ Luau~(ad eyeQ uwl ~egwnN luno~y wdLL~LO:awl1 LOOZ20/LL~alaQwud W31SAS lH/131a13213~J`dWl 1N3WAF/d 1. . ~ o alq^p^ny a8ewl ~pa9 oN DONALD E. SHARIZER 914 BRANDY LN MECHANICSBURQ, PA 17055 2156 80.12731319 106 d ~' e6-~ ~ ,~~; r...~Nr N.w... o~~:aa °«ra. PNC N.n. ® rnonry ctw~8a n~ ono Plus ~'~~ X73 O~~.t `~^f',~ ~ _,_~' ~:0313i2738i: 2156 u^5i40i66523n^ _ nruurf.w Lb'9L9'E$ 00'41$ 00'bL$ OOOZI4L/90 Z£9S-ZLZO-04LZ-8Lb9 !eg BuiPue~^ln0 lwd wnwluly~ ;wy~uewRed eLap u^~l ~egwnN aunoxy wdLL~LO:awl1 LOOZRO/LL.aL~luf+d W315AS lVn3R1132! 3JHWI 1N3WAVd ,. . e!ge!teny a8ew! >p~ oN ' DONALD E. SHARTZER . . ~' ~ . ~ . ~ '. .. ~ ' ~~ ~ ~ ~' 2 ~. T 3 314 BRANDY LN MECHANICSBURG, PA 17065 a ~.~L~ /~ ~ !!d 864273/319 106 ~~~~ w.w 1DOI.LAItS ®n.,wwi. ~,a PN~]~A~N][~ . ~, r>zo Centeal PAN 040 P]DS~ ~:03i3L24384: 2i?3 n^5i4 i66523a^ e~,~ 86'OL9'E$ 00'EL$ 00'EL$ OOOZ/4L/90 Z£94-ZLZO-OSLZ-BL49 !eg BuipuelWnO iwd wnw!u!W lwtl luew,ted eyed ue~L ~egwnN lunar~tl wdO6~L0:ew!1 LOOZ20/lt:ele0lupd W31SAS 1tlA31a13213'JtlWI 1N3WAtld ~~S y [7 r,. _"l ^i7 .~ ' ~ _ ~t _~ . . ~T~f.l r_7 i ~ .__ - ~__ n .._4 --~ (9', ~ ..awgB+ps~-_ .~~ _.._ _. .. si,iAmd'r~ op .~. .,~+-ae r ~ms~e~m~~ssiss+ietei+~aath,. A- VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 E. State Street Doylestown, PA 18901 (215) 348-5200 PROVIDIAN NATIONAL .BANK Plaintiff VS. CUMBERLAND COUNTY COURT OF COMMON PLEAS DONALD E. SHARTZER Defendant NO. 01-5717 CERTIFICATE OF SERVICE Valerie Rosenbluth Park, Esquire certifies that she is the attorney for the above named Plaintiff in the instant action and that on December 10, 2001, she served a true and correct copy of the Second Amended Complaint, by mailing the same by U. S. Mail, postage paid, to the person and at the address set forth below: Attorney for Defendant John R. Scheidemann, Esquire 352 S. Sporting Hill Road Mechanicsburg, PA 17050 PARK LAW ASSOCIATES, P.C. BY• VALERIE ROSENBLUTH PARK, ESQUIRE ATTORNEY FOR PLAINTIFF c- -, -, _,, -;__ ,~~~ _ - ': 1 - _ _~ - s, ~~ .. Providian National Bank Plaintiff vs. . Donald 8. Shartzer Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. O1 - 5717 CIVIL TERM PRELIMINARY OBJECTION TO SECOND AMENDED COMPLAINT AND NOW COMES the Defendant by his Attorney John R. Scheidemann and files the within PRELIMINARY OBJECTION TO AN AMENDED COMPLAINT. 1. DEMURRER. The complaint, as written does not state a cause of action against the Defendant. 2. MOTION TO STRIKB COMPLAINT. In Paragraph number 8 the complaint states that the Defendant has acknowledged the validity of this account within the applicable Pennsylvania Statute of Limitations. This is a legal conclusion for which a response is not required, however since it contains a language of an acknowledgement this paragraph must be stricken as scandalous and impertinent. 3. MOTION TO STRIKE FOR INSUFFICIENT SPECIFICITY IN A PLEADING. The amended complaint attaches as an exhibit, ledgers, and payment history but does not show that the Defendant has signed and made purchases to account for the balance, which is due. The exhibit contains history of the account but does not show what purchases were made, when they were made, and if in fact Defendant Donald Shartzer used this account and signed for this account. Accordingly, this complaint should be struck for insufficient specificity in a pleading as required by the Pennsylvania Rules of Civil Procedure. WHEREFORE, Defendant respectfully requests that the within Complaint be dismissed. Respectfully syybmi,$ted, john R. ,Sc*Tieidemann, Attorney-at-Law 352 S. /Sporting Hill Road Mechanicsburg, PA 17050 717-737-2033 Attorney I.D. #86772 Providian National Bank Plaintiff vs. Donald E. Shartzer Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. O1 - 5717 CIVIL TERM CERTIFICATE OF SERVICE I, JOHN R. SCHEIDEMANN, Attorney-at-Law, do hereby certify that I have mailed to the parties listed below, a copy of the foregoing: 1. PRELIMINARY OBJECTION TO AN AMENDED CIVIL COMPLAINT 2. CERTIFICATE OF SERVICE By placing a copy of same in the United States Mail, first class, postage prepaid, on the 27T" day of November, 2001 to: OFFICE OF THE PROTHONOTARY CUMBERLAND COUNTY COURT HOUSE ONE COURT HOUSE SQUARE CARLISLE, PA 17013-3387 PARK LAW ASSOCIATES ATTN.: ATTORNEY VALERIE ROSENBLUTH PARK 25 EAST STATE STREET P. O. BOX 1779 DOYLESTOWN, PA 18901 DONALD E. SHARTZER 22 SINCLAIR ROAD, UNIT #4 MECHANICSBURG, PA 17055 .~ December 26, 2001 = i'~ DATE JOHN R. SCHEIDEMANN Attorney I.D. No. 86772 352 South Sporting Hill Road Mechanicsburg, PA 17050 717-737-2033 _~ n ~ ~_ c : --- ~ - -Q ° erirr: n - L it _.~~ ~"'. ~ , f ~F,.; ~, ~ ~ ~ ~i ~ N ` C_ _ N -< ~ ... .... _..... .... F.~`xusrcxp'FS^~ ~rvrziartl~ i. , ~gl~%SNFNi~~A"WlW • " ,,,.•°„ w ~ PROVIDIAN NATIONAL BANK CUMBERLAND COUNTY Plaintiff COURT OF COMMON PLEAS VS. DONALD E. SHARTZER - Defendant N0. 01-5717 ORDER AND NOW, this day of 2002, upon consideration of Defendant's Preliminary Objections to Plaintiff's Second Amended Complaint and Plaintiff's Response thereto, it is hereby ORDERED that Defendant's Preliminary Objections to Plaintiff's Second Amended Complaint are DISMISSED and OVERRULED With Prejudice and that the Defendant is required to file a Response to Plaintiff's Second Amended Complaint within twenty (20) days of the date of this Order. BY THE COURT: J. .., VALERIE ROSENBLUTH PARK, ESQ. ATTORNEY I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 EAST STATE STREET P. 0. BOX 1779 DOYLESTOWN, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF PROVIDIAN NATIONAL BANK Plaintiff VS. DONALD E. SHARTZER Defendant CUMBERLAND COUNTY COURT OF COMMON PLEAS N0. 01-5717 PLAINTIFF'S RESPONSE TO DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S SECOND AMENDED COMPLAINT 1. Denied. Plaintiff's Complaint is a writing filed with the Court and thus speaks for itself. By way of further answer, Plaintiff's Complaint clearly states a cause of action for breach of contract and in the alternative for unjust enrichment. 2. Denied. Plaintiff's Amended Complaint is a writing filed with the Court and thus speaks for itself. By way of further answer, Paragraph 8 of Plaintiff's Amended Complaint does not allege that the Defendant acknowledged the validity of the account, but states that the Defendant accepted and used a credit account issued through Plaintiff's credit facilities and that acceptance of the terms of that credit account are evidenced by the charges incurred by the Defendant on the account. It appears that the Defendant, in an effort to delay litigation, has filed _. the same Preliminary Objections to the Amended Complaint as were filed to the original Complaint. 3. Denied. Plaintiff's Complaint is a writing filed with the Court and thus speaks for itself. By way of further answer, Plaintiff's Amended Complaint sufficiently and specifically alleges a cause of action for breach of contract and attaches the terms of that contract to the Complaint. It is not necessary for Plaintiff to attach a signed contract since Defendant's acceptance of the terms of the contract are evidenced by the Defendant's actions rather than the Plaintiff and Defendant actually signing an agreement. WHEREFORE, Plaintiff respectfully requests that this Honorable Court OVERRULE and DISMISS Defendant's Preliminary Objections With Prejudice and that Defendant be required to file an Answer to the Complaint within twenty (20) days. Respectfully submitted: PARK LAW ASSOCIATES, P.C BY: VALER ROSENBLUTH PARK, ESQ. • 4 COMMONWEALTH OF PENNSYLVANIA COUNTY OF BUCKS Valerie Rosenbluth Park, Esquire, being duly sworn according to law deposes and says that she is the attorney for the Plaintiff in the forgoing matter; that she is authorized to take this Affidavit on its behalf; and that the facts contained in the foregoing Pleading are true and correct to the best of her knowledge, information and belief. Valerie Rosenbluth Park, Esquire further understands that false statements made herein are subject to the penalties of 18 Pa.C.S., §4904, relating to unsworn falsification to authorities. VAL IE ROSENBLUTH PARK, ESQ. .- c_ rte. `> ~ ~ _ r~ ~= _, _ -- < _ _ Ir. ~; , `~ } ~. - C7 r, - C : ~~: .V -L ~ r~ °G (~ ,~C (~~V/ / -' / VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P,C. 25 E. State Street Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF PROVIDIAN NATIONAL BANK Plaintiff VS. DONALD E. SHARTZER Defendant CERTIFICATE CUMBERLAND COUNTY COURT OF COMMON PLEAS N0. 01-5717 SERVICE Valerie Rosenbluth Park, Esquire certifies that she is the attorney for the above named Plaintiff in the instant action, and that on January 4, 2002, she served Plaintiff's Response to Defendant's Preliminary Objections to Plaintiff's Second Amended Complaint and a Proposed Order, by U. S. Mail, postage paid, to the person and at the address set forth below: Attorney for Defendant John R. Scheidemann, Esq. 352 S. Sporting Hill Road Mechanicsburg, PA 17050 PARK LAW ASSOCIATES, P.C. ~~ ~__ BY`~ VALERI.~OSENBLUTH PARK, ESQ. ` z~~ - 4 ' ~ _ t - G2 . :~; -G=' i~r~ ~. ~C.; L1 ~~: -- -~ __ ~ C . c~ ~ , , -- `z ~ c~ ~S