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Home My WebLink About01-06030 4' " ,', . '" ~-'~.~.~, ""~""",""",,,>~....L",,,;.".,.~ . -. LSE:bf lse\Ca-cover.cum Arbitration Matter Larry S. Eisman, Esquire ID #19738 705 Montgomery Ave., 2nd Floor PO Box 527 Narberth, PA 19072 610 664 1999 Attorney for Plaintiff NCMIC Finance Corporation, dba NFC Finance Corporation 1452 29th Street, Suite 102 West Des Moines, IA 50266-1307 Court of Common Pleas Cumberland County 01 - (Po1D e~()~LT~ v. Gary J. Leidy 40 Queen Ave. Enola, PA 17025 CIVIL ACTION NOTI CE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS NOTICE TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SENT FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 2 Liberty Ave. Carlisle, PA 17013 717 249 3166 800 990 9108 '" .. ~" ~"~. ,-~. ~"~" ~ ->~M-'''t-=~~'-4.:''''''',L~,~",_,.... Count I -- Breach of Contract 1. Plaintiff is a corporation organized and existing under the laws of the State of Iowa with a place of business as indicated. Plaintiff is authorized to do business in the Commonwealth of Pennsylvania. 2. Defendant is an individual with an address as listed above. 3. Defendant applied and was accepted for an NCMIC Finance Corp. VISA card, the use of which was governed by the terms of the Cardholder Agreement. A copy of the Application is attached hereto, made a part hereof and is marked Exhibit "A". A copy of Cardholder Agreement is attached hereto, made a part hereof and is marked Exhibit "B." 4. The defendant used the VISA card over a period of time by charging merchandise, goods and/or services as permitted. Defendant also made payments as required under the terms of the Cardholder Agreement. Defendant received credit for all payments received by plaintiff. 5. As evidenced by the Statement with a closing date of August 25, 2000, defendant paid charges of $2,969.76 from prior billing cycles, and incurred charges in that current cycle in the amount of $3,872.57. A copy of the Statement referred to is attached hereto, made a part hereof and is marked Exhibit "C." .1!lT ..<.O'_~ .~~ "_'_ - , ',........"~, '~~N" '<'~~Il".;-i"_'''.',i ~ 6. Defendant continued to use the card, but never returned to a "zero" balance. Copies of Statements with closing dates of September & October 25 are attached hereto, made a part hereof and are marked Exhibits liD" & "E. II 7. Even though he and/or his authorized representative continued to use the card to purchase merchandise, goods and/or services, the last payment credit on this account was in the amount of $834.74 on October 9, 2000. The Statements with closing dates on the 25th of November 2000 through February 2001 are attached hereto, made a part hereof and are marked Exhibits "F", lIG", "HI! and "I." 8. Despite repeated requests and demands for payment made by plaintiff and/or its representative, the defendant failed and refused, and continues to fail and refuse to pay the balance due and owing. 9. The defendant's failure to make timely payments is a breach of the Application and the Cardholder Agreement. 10. Plaintiff is entitled to reasonable attorney fees in accordance with Exhibit "B". It is averred the attorney fees claimed are reasonable. 11. By using the card, defendant agreed to repay same, in whole or in part, -a ~' ~~ ~. ~~ ~ ~ ~ " ""-, . . ",,j,~,,w,,_. on a monthly basis as required by Exhibit "B". 12. The balance due is as follows: Outstanding balance Interest from the date of last payment (October, 2, 2000) through October 2, 2001 at 6% per annum Attorney fees (20%) of outstanding balance $11,241.94 730.73 2,248.39 Total balance due and owing $14,221.06 Wherefore plaintiff prays this Honorable Court to enter a judgment in favor of the plaintiff and against the defendant in the amount prayed for in paragraph 12 of the Complaint plus continuing interest, costs and such other relief as may be deemed just and proper. Count II -- Account Stated 13. Paragraphs 1 - 12 are incorporated by reference as if fully set forth herein. 14. From the inception of the account, Defendant received monthly statements itemizing all purchases, charges, fees and credits, 15. At no time did defendant dispute the fact that he authorized the charges which appeared on his Statements. "J>.t!i''''''''"''"' ~ ~ L , , "" ~__~""'~","h.L~,_~,,,,--,,,,",.,. 16. At no time did defendant claim he was not given credit for payments received by plaintiff. 17. As a result thereof, defendant is liable to plaintiff on the theory of Account Stated. Wherefore plaintiff prays this Honorable Court to enter a judgment in favor of the plaintiff and against the defendant in the amount prayed for in paragraph 12 of the Complaint plus continuing interest, costs and such other relief as may be deemed just and proper. Count III -- Unjust Enrichment 18. Paragraphs 1 - 17 are incorporated by reference as if fully set forth herein. 19. Defendant used the card issued by plaintiff to purchase merchandise, goods and/or services for his personal and professional benefit and for the benefit of those defendant designated to receive such benefit. 20. Defendant purchased, among other things, monthly on-line service and and airline tickets to and from Cancun, Mexico. 21. Defendant has been unjustly enriched at the expense of the plaintiff by .. "^,,~,,." ~ - - .~~ - ...~~. ~,,,~,,,~,:;,,,,>,-,., receiving said merchandise, goods and/or services and thereafter failing and refusing to pay for same. Wherefore plaintiff prays this Honorable Court to enter a judgment in favor of the plaintiff and against the defendant in the amount prayed for in paragraph 12 of the Complaint plus continuing interest, costs and such other relief as may be deemed just and proper. Count IV -- Fraud 22. Paragraphs 1 - 21 are incorporated by reference as if fully set forth herein. 23. By letter dated June 17, 2001, defendant made demand on plaintiff for the return of $11,700.47 which funds, defendant claimed, were "deposited with your organization." A copy of defendant's letter is attached hereto, made a part hereof and is marked Exhibit "J." 24. Defendant knew he did not have a deposit on account with plaintiff. 25. When asked to do so by counsel for the plaintiff, defendant failed and refused to present documentation of his "deposit." 26. Defendant further knew that while he continued to use the card for *, ""'...,"''''..... ~ ,- :'_"L._"",~"" his benefit, he had not made a payment on account in almost 9 months. 27. Said letter and the demand contained therein represent a fraudulent attempt on the part of the defendant to claim a benefit to which he knew he was not entitled. The natural, intended consequence of the fraud was to harm plaintiff financially while conferring a monetary benefit on defendant. 28. Plaintiff seeks additional damages of $5,000.00 for the fraud defendant attempted to perpetrate on plaintiff. Wherefore plaintiff prays this Honorable Court to enter a judgment in favor of the plaintiff and against the defendant in the amount prayed for in paragraph 12 of the Complaint plus additional damages for attempted fraud in the amount of $5,000.00 plus continuing interest, costs and such other relief as may be deemed just and proper. Respectfully submitted $ Larry S. Eisman Attorney for Plaintiff lse\ca-cc H Sep 22 O~ 11:45a -., ~, ...... '- L_~".: Larr~ S. Eisman S10 SS8 3S25 p.8 NCMIC v. Leidy VERIFICATION The undersigned Lynn Chambers, Financial services Manager for plaintiff herein, verifies that the statements made in the foregoing Civil Action are true and correct to the best of her knowledge, information and belief. The undersigned further understands that the statements therein are made subject to the penalties of 18 Pa C.S. section 4904 relating to unsworn falsification to authorities. dprn flta~ Lynn Chambers Financial Services Manager NCMIC Finance Corporation Date: q -;)"C/-{) I ~ I ! , ! , ! ! . , j ! , , , I . f l , j 1'---. ! o I f ~ ~- Ill!! ;. "! "-ii';-!l'~ 'ii'i: I".,! . ~ "';:- ~~~~ ~ft!:lJ~~b jl;~'U" , ,,~..j a :lJll.",c:::.gK ia~~li(!.~" '.'.,,!"D "ll .". !~ ~'!1~ :;in.;;! 5"_ o I!; fl> ~ ~ !l8. %~~~~t~!l ~~~"'m"8.i~ i ! f ~ ~ n ~ lI!al:!?:iil:! ~ ~ gn:r~i:r" ~ tH;!U I ~ jU;~mQ" ~ j:!![ eo f r-" ! , j ! i '! I 'I H ~[ ~ if I ~ gi:f~!!' I!!~H e., 0 "' I ~ c_ ,I II ~ I ! in:!!;': :"!iil~ 8l:H~ f i f [ I . , , , I ~ ~ .~ . . ~ , I ?! ~I "I ~I . .g' ~ , PI' . " i liB S'igg 'dl f:u ,., i " ~ :;; ~ i 'fl , ii! 8. ",g: I>> I 'Hi ~I.=o. ~ i ~ i & . ~ & " 3 1\[ ~I! r !jH .,' , iH I ..!Om . 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" . ~= cO "~ cU .... =2: ;:: ;; " u 9 E u ~~ '~ ~ ~ :.E 6 - 0 o 0 ~>- " . o " "S~ . " 8-B o 0 o - .ti ~a g 8 o ." " ~ " ~ ;;- ~ " ;; ~ g ". ~ ~ ~ , " e ~ ~ J1 g I -"'''-- - '-':,--,' arnlltlllt<::v<::n ifyourbillwascorrecl. SPECIAL RULE FOR CREDIT CARD PL'RCHASES If you have a problem with the quality of prop~rly or s~rvic~s lhat YllU pun:hllst:tl with a cr~dit card. and you have tri~d in good faith to correct lh~ problt:m with tht: merchnnt. you m1\y have the right not to p1\y the remaining amoulII duo: ~1Il Ih.: property or services. There are two limitations on Ihis right: AlYou must have made the purchase in your home state or. if not within your hom.: state. withill 100 iniles of your current mailing address: and 3 )The purchase price must have been more than $50.00, Thl':se limitations do [JOI apply if we OWtl or operate the merchant. or if w<:: mailed you theadv~l1isementforthepropenyofServic~s. 23, Methods of Payment: Method I includes a 25 day grace period for purchases. and no grace pcnod for cash advances. Method 2 includes no gra~ period for purchases and cash advances. For Method 3. if you pay the 10lal New balance shown on each statement by the Payment Due Date. we impose no FINANCE CHARGE .on Purchases and Cash Advances. Otherwise. FINANCE CHARGES are computed from the dale of posting \including current Purchases and Cash Advances). For \1ethod 4. no FINANCE CHARGE will be imposed on currenl Billing Cycle Purchases (which are the new pun:hases itemized on this statemenl) if you pay the \Jew Balance shown on this stalemenl by the Paymenl Due Dale. olherwise finance charge are compuled from the day of posling. and FINANCE CHARGES are computed from the date ofposung until paid in full on each CASH ADVANCE. Rev. 5/99 PAr;) ..~.,,,,,,,,L, ''---'-"'''-'.' " NCMIC FINANCE CORP PO BOX 3038 EVANSVILLE IN 47730-3038 j:VlSA ,I . Payments received atlhe billing address shown below by 2:00 P.M. C.T. Monday1hru Friday will be cradiladm your account as of 1I1e date of receipt. .Paym~nts received at any other location may be subject to a dela.t!.n crediting of up 10 6 days alter 1I1e date of receipt. MAK' ~'N't",j1"1!-' 'I'-'ff:r~~ TO, P.O. BOX 740652 CINCINNATI, OH 45274-0652 ,. PLEASECHECKOOXTOINDIC,I\("E.oDDRESS CHAAlGEPNDCOOPlETERE~RSESIDE o NF10 lIC 7 25 1 55930093 MINIMUM PAST DUE PAYMENT NEW ACCOUNT NUMBER PlEASE 'WRITE IN PAYMENT DUE AMOUNT DUE DATE BALANCE AMOUNT OF PAYMENT ENCLOSED 116.00 0.00 09/19/00 3872.57 5455 8912 0000 2906 DETACH AND REMIT THIS PORTION TELEPHONE NO' 888-903-0141 GARY LEIDY D.C. 433 N ENOLA RD ENOLA PA 17025-2128 p12 1 CREDJT AVAILABLE DAYS IN STATEMENT PAYMENT DUE MINIMUM ACCOUNT NUMBER BILLING UMIT CREDIT CYCLE CLOSlNG DATE DATE PAYMENT DUE 5455 8912 0000 2906 10000 6052 31 08/25/00 09/19/00 116.00 DATE OF TRANS. POST. REFERENCE NUMBER CHARGES, PAYMENTS AND CREDITS SINCE LAST STATEMENT AMOUNT 0727 0727 8843832K1GE62BG03 PRO STEP, INC TEL8506544444 FL 639.00 0726 0728 8845079K13EDZHW9R AAATIX BIRMINGHAM AL 345.00 0727 0728 7845326K16SRSWAY5 BCH*PALMER CLG DIR WHITE PLAIN S NY 69.94 0731 0731 7843286K500Q6G2T4 AOL*ONLINE SERVICE 070 800-679-9444 VA 21.95 0802 0803 7843286K700EHQMMN MYR*MEYER DISTRIBUTING 800-472-4221 CA 16.97 0802 0804 7850362K800R1TTAP EMPOWER QUEST SERVICES FOLSOM CA 225.00 0803 0806 8850437K9S66PJHDB DRG TELEMARKETING POMONA NY 1321.66 0808 0810 8845667KD8V57PVKL ONE PLUS ST LOUIS MO 21.59 0810 0811 9245386KF006THOOl PRACTICE MASTERS INC WINDBER PA 99.00 0809 0811 7854186KF2T2XEJD5 HBL*1005535071-1076389 310-410-9600 CA 16.69 0814 0814 8545588KKOOYP7M96 PAYMENT - THANK YOU 2969.76- 0814 0815 7850362KKOOLYP187 PRO STEP, INC DESTIN FL 540.00 0816 0817 8843115KNWGWZAHFM ADV RES V SEVEN SPRNGS HTL CHAMPION PA 75.00 0816 0818 8845079KNQN4TBSFK LICENSING - UCC OLYMPIA WA 14.91 0818 0821 7844298KTOLDLOHN3 IBILL *WWW.IBILLCS.CO 800-307-3558 FL 29.95 0821 0822 7845326KS613T02BT PA CHIROPRACTIC ASSOC. HARRISBURG PA 300.00 0823 0823 8041873KWWGNT302T BOBBY RAHAL HONDA SERVI MECHANICSBURG PA 135.91 EWARDS EARNED PRIOR STATEMENT: 90.39 EWARDS REDEEMED: .00 PREVIOUS PAYMENTS CREDITS PURCHASES AND DEBIT FINANCE NEW BALANCE CASH ADVANCE ADJUSTMENTS CHARGES BALANCE AN AMOUNT FOLLOWED BY A MINUS SIGN ( ) IS A CREDIT ORA CREDIT BALANCE UNLESS OTHERWISE INDICATED. AVERAGE DAILY BALANCE METHOD: CASH TOTAL AVERAGE DAILY BALANCE pA~ig~~EB~:~;;~ Ic~~:~C~YC~~A~g~A~E AVERAOE DAlLY BALANCE OF FINANCE OF CURREl'IT CYCLE PURC11ASES PRElJIOUSCYO..ECASHADlIANCE CHARGE ADVANCE FINANCE I FOR CYCLE FEE CHARGE 1. UNDERR,o:(I'E CHANGE POINT DOLLAAP01NT 2. O'u'ERRItl'ECHAN\'lEPOlIiT DOl.LPRPOINT 3.0'u'ERR,o:(I'E CHANGEPOlNT ,o:(I'IIIIHlCH CPGH ItI'IJUHICH CASH f!!!!!!!!'~ PD~~ES PURCHASES RPJESCHANGE ADlIANCES PURCH,flSES RllJESCHANGE AD'tIANCES PURCHPSES CORRESPONDING ANNUAL PERCENTAGE RATE I MONTHLY PERIODIC RATES I lie NOTICE: FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE C(,j ,-." -. ~_~u_ 1i;;rw""'Xh' 2 '(; , ~ . - " -, o. ., ..,_, NCMIC FINANCE CORP PO BOX 3038 EVANSVILLE IN 47730-3038 I VISA I . Payments receil/6d attile bimng address shown below by 2:00 P,M. C.T, M!IDdaytilru Friday win be crecfrlBd to your account as of tile dale of receipt. Payments received at any other location may be sUbject to a del~ln credmng of up to 6 ~ _aflertile date of receipt. "'KE '"ll\::~Y1!" ~ YMI.'!t~ TO, P.O. BOX 740652 CINCINNATI, OH 45274-0652 PLEPSECHECK90XTOIND!C,l(J'EADDRESS ~HmGEANDCOMPLETERE'u'ERSESIDE o NF10 lIC 7 25 1 55930093 MINlMUM PAST DUE PAYMENT NEW ACCOUNT NUMBER PLEASE WRITE IN PAYMENT DUE AMOUNT DUE DATE BALANCE AMOUNT OF PAYMENT ENCLOSED 116.00 0.00 09/19/00 3872.57 5455 8912 0000 2906 GARY LEIDY D.C. 433 N ENOLA RD ENOLA PA 17025-2128 P12 DETACH AND REMIT THI8 PORTION TELEPHONE NO: 888-903-0141 2 CIlEDIT AVAILABLE DAYS IN STATEMENT PAYMENT DUE MINlMUM ACCOUNT NUMBER BILUNG LIMIT CREDIT CYCLE CLOSING DATE DATE PAYMENT DUE 5455 8912 0000 2906 10000 6052 31 08/25/00 09/19/00 116.00 DATE OF TRANS. POST. REFERENCE NUMBER CHARGES, PAYMENTS AND CREDITS SINCE LAST STATEMENT AMOUNT EWARDS EARNED THIS ONTH: 58.09 OTAL REWARDS EARNED TO DATE: 148.48 PREUIOUS PAYMENTS CREDITS PURCHASES AND DEBIT FINANCE NEW BALANCE CASH ADVANCE ADJUSTMENTS CHARGES BALANCE 2969.76 2969.76 o . 00 3872.57 0.00 0.00 3872.57 AN AMOUNT FOLLOWED BY A MINUS SIGN (-) IS A CREDIT ORA CREDIT BALANCE UNLESS OTHERWISE INDICATED. AVERAGE DAILY BALANCE METHOD: METHOD 1 FINANCE CASH TOTAL AIfERJIGEDAILYElALANCE ~r:::~3i~~~~~=~ Ic~~:~Y~A~~ AVERAGE CAlLY BALANCE OF OI"~wrCYCU::P~ PRE'lAQUSC'li OE CHARGE ADVANCE FINANCE 0.00 0.00 I 0.00 0.00 FOR CYCLE FEE CHARGE 0.00 0.00 O.OOI.UNOERR,l(J'ECHAli<iEPOINT DOLLPRPOINT 2. O'u'ERR,l(J'E CHANGE POINT DOLLAAP01NT 9. OIiERRJlJE CH.o.NGEPOINT ~7~~0 P~R~~SO ItfIJUHICH PD~~ ItfIJUHICH 'ASH RmSCHmGE PURQiA$ES ftIlI"ESCH1l1I<3E .aJ)vm<:ES PURCHASES 999999 0.00 0.00 999999 0.00 0.00 I MONTHLY PERIODIC RATES I 1.250 1.250 N/A 0.000 0.000 N/A 0.000 0.000 lie NOTICE: FOR BilLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE cti) _C".," J ~.&~i-';;,i 2 , ~'"~.w NCMIC FINANCE CORP PO BOX 3038 EVANSVILLE IN 47730-3038 tll7$A"J ~ti Payments recshred at1he biDIng address shown below by 2:Ol) P.M. C.T. Monday1hru Fridaylll1ill be crediledto your account as ot 1I1e dale ofrecelpt Payment;; receJved ata_ny other foca!lon may be ~ect lD a del~. c!8diti~~_ ofup to 5 days aller1he date ofrecelpt "'" '"m;'J1'tE'" '!' ~y,J\'W~ T<> P.O. BOX 740652 CINCINNATI, OH 45274-0652 ,. . -, -'~, - PlEASE CHEeK BO)(TO INDICm ADDRESS CHAN<iE PNDCOMPLETERElJERSESlDE o NFlO lIC 7 25 1 55930021 MINIMUM PAST DUE PAYMENT NEW PlEASE WRITE IN PAYMENT DUE AMOUNT DUE DATE BALANCE ACCOUNT NUMBER - .AIiIOllNTOF PAYMENT ENCLOSED 0.00 0.00 10/20/00 4382.79 5455 S 912 0000 -2906 - CftEDIT AVAILABLE DAYS IN STATEMENT PAYMENT DUE M_UM ACCOUNT NUMBER LIMIT CREDIT BILlING ClOSING DATE DATE PAYMENT DUE CYCI.E 5455 8912 0000 2906 10000 5617 31 09/25/00 10/20/00 o .00 DATE OF - TRANS. POST. REFERENCE NUMBER CHARGES, PAYMENTS AND CREDITS SINCE LAST STATENlENT AMOUNT 0828 0829 7846494L161KRFR1F FOOT LEVELERS INC 5403450008 VA 139.00 0831 0901 7843286L4005QP56R AOL*ONLINE SERVICE 080 800-679-9444 VA 21.95 0831 0903 9341734L5GYEDGYOF AGNT FEE 89081020204982 ALTAMONTE SPG FL 10.00 LEIDY/G 08/31/00 1 XD Y XAA XAO 0831 0903 8845078L548WY49AB POSTGRADUATE WHITTIER CA 330.00 0831 0903 9349967L5KV2HZPFM UNITED 01610130375011 ALTAMONTE S FL 314.00 .. LEIDY/G 09/23/00 1 UA Q 0 MIDDLETOWN CHICAGO 09/23/00 2 UA Q CHICAGO MIDDLETOWN 0831 0903 7854186L52T2XE5EE HBL*1005587122-1080365 310-410-9600 CA 506.88 0905 0906 7846494L960MYS5TA FOOT LEVELERS INC 5403450008 VA 139.00. 0907 0908 7843286LBOOATPHF6 MYR*MEYER DISTRIBUTING 800-472-4221 CA 114.74 0907 0910 7854186LQ2T2XEQ66 HBL*1005608921-1081879 310-410-9600 CA 93.60 0913 0913 8545588LHOOZD5J8X PAYMENT - THANK YOU 1882.57- 0912 0914 8845667LG8V57PVSJ ONE PLUS ST LOUIS MO 50.00 0914 0915 8850297LJOOMJELVY MICHAELS CHIRCO EQUIP DAVENPORT IA 76.00 0918 0919 7850362LNOOLZ38ME PRO STEP, INC DE$TIN FL 540.00 *FINANCE CHARGE* PU CHASES $ 5 7 . 62 CASH ADVANCE $0.00 57.62 PREVIOUS PAYMENTS CREOITS PURCHASES AND DEBIT FINANCE NEW BALANCE CASH ADVANCE ADJUSTMENTS CHARGES BALANCE AN AMOUNT FOLLOWED BY A MINUS SIGN ( ) IS A CREDIT OR A CREDIT BALANCE UNLESS OTHERWISE INDICATED. AVERAGE DAILY BALANCE METHOD: TOTAL I ()J'tVER,AGI!.0Al1.'f6ALIINCf: :~~~~1i16p~~s~ I~~~~~Y~~~~ AVEF'lAGEOA!lYEMLANCEOl' FINANCE CASH CUFfFIENT CYCLE PURc:HASeS PRE\IIOUSCva.ECJlSHADVPNCE CHARGE ADVANCE FINANCE I FOR CYCLE FEE CHARGE i. UNDERR1lrE CHAAlGEPOINf DOlLAAPOINr 2.0~R,/(l"ECHAN<iEPOlNT DOLURP<lINT 3. OllER RIIl'E CHANGE POlt-lT .'U'\IlJHICH /lI"llUHlCH '" A.llll.UIll'.P~E'RllTE . . ~ES PLJR<>i.'<ES RJrrESCH,ot.lGE .,\%%"'" PURC~ASES RATESCHJf{GE ADVAAICES PURCMPSES CORRESPONDING ANNUAL PERCENTAGE RATE MONTHLY PERIODIC RATES DETACH AND REMIT THIS PORTION TELEPHONE NO' 888-903-0141 GARY LEIDY D.C. 433 N ENOLA RD ENOLA PA 17025-2128 P12 1 2 lie NOllCE: FOR BILUNG ERRORS AND IMPORTANT INFORMAllON, SEE REVERSE SIDE Dll) ~~ "_""",,,,,,,..i,,>~_J=,~,''''-=h ~ "I "i_ NCMIC FINANCE CORP PO BOX 3038 EVANSVILLE IN 47730-3038 1}I$A;1 -[~ paYlll8nts received atlhe billing address shown below by 2:00 P.M. e.T. Mcnd'!Ythru Friday lIIIIIl becredltedto your account as of 1I1e dale ofreceipt. Payrnentlrecelvedatanyolherlocafonmaybesubjed lDadeJaylncredifing ofuplD5days aIIe11hedaleofreteipt. "'" '"'il'I!'r~Y'1!" 'g, 'IilJ&t!'E TO, P.O: BOX 740652 CINCINNATI, OB 45274-0652 PLEASE CHEClC BOX To INDICJlJ'EJ\DDRESS CHANGE PND CO~PlETE REVERSE SIDE D NFlO lIC 7 25 1 55930021 MINIMUM PAST DUE PAVMEIIT NEW PlEASf WRITE IN PAYMENT DUE AMOUNT DUE DATE BALANCE ACCOUNT NUMBER AIiIOUHTOF PAYMENT ENCLOSED 0.00 0.00 10/20/00 4382.79 5455 8912 0000 2906 - . GARY LEIDY D.C. 433 N ENOLA RD ENOLA PA 17025-2128 P12 DETACH AND REMIT THIS PORTION TELEPHONE NO. 888-903-0141 2 CREDIT AVAIlABLE DAYS IN STATEMENT PAYMENT DUE MINIMUM ACCOUNT NUMBER BIWNG UMIT CREDIT CYo.E CLOSING DATE DATE PAYMENT DUE 5455 8912 0000 2906 10000 5617 31 09/25/00 10/20/00 0.00 DATE OF REFERENCE NUMBER mANS. POST. CHARGES, PAYMENTS AND CREDITS SINCE LAST STATEMENT AMOUNT EWARDS EARNED PRIOR STATEMENT: 148.48 EWARDS REDEEMED: .00 EWARDS EARNED THIS ONTH: 35.03 OTAL REWARDS EARNED TO DATE: 183.51 .. PREVIOUS PAYMENTS CREDITS PURCHASES AND DEBIT FINANCE NEW BALANCE CASH ADVANCE ADJUSTMENTS CHARGES BALANCE 3872.57 1882.57 0.00 2335.17 0.00 57.62 382.79 AN AMOUNT FOllOWED BY A MINUS SIGN ( ) IS A CREDIT OR A CREDIT BALANCE UNLESS OTHERWISE INDICATED. AVERAGE DAILY BALANCE METHOD: METHOD 1 FINANCE CASH TOTAL AVERAGE~YBALANCE ~~~Ji1~Au~~~;S~~ Ic~:~~~~Y~'%~A~E P~~~~~y~::t:~6e OF CUMEM' 0'l'Cl.E PUl'lCHASES CHARGE A~~~CE FINANCE 1377.41 3083.10 I 0.00 0.00 FOR CYCLE CHARGE 57.62 0.00 57.62 1. UNDERRIlrECH.olNGEPOINT' DOLLAAPOINT 2.0\JERRPJ'ECHPNGEPO!NT 1)()Ll.JlRPOlNT 3.0'u'ER1WE CHANGl:POlNT M)~:~ES IlffJllHICH CASH PTOllHJCH .,'ifW.., AIlNlJj\EPEllCEiJJ~"~TE 15 '.~O PURCHPSES RIUESCHPNGE ,Ill)~CES PURCI-\.IlSES RATES CHANGE PURCH1'SES CORRESPONDING ANNUAL PERCENTAGE RATE 15.50 15.50 999999 o .00 0.00 999999 0.00 0.00 MONTHLY PERIODIC RATES 1.292 1.292 N/A 0.000 0.000 N/A 0.000 0.000 lie NOTICE: FOR BilLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE f) ( 2) . . 2 - _Lw". ~~ NCMIC FINANCE CORP PO BOX 30.38 EVANSVILLE IN 47730.-30.38 lwsA'1 ~._J eIf payments recSived at1he blUing address shown below by 2:00: P.M. C.T. Mondaylhru Frtday lAliUbe credll:edto youraccountasol1he dale crrreceipt. .Paym~ recslved atany other focalion may be subject loaclel.!t.!..n.c...recllting of up to 5 days aller1hedaleofreceipl ""'. -'m;Ill'~ "'~l:J~'lft!lP'" P.O. BOX 740.652 CINCINNATI, OH 45274-0.652 ,', - ".-"""",-~ PLEAS.E CHECK BOX TO INDJcm ADDRESS CHANGE ANI) COMPLETE RE'u'ERSE SIDE o NFlO, lIC 7 25 1 55930.0.0.3 MINlMUM PAST DUE PAYMENT NEW ACCOUNT NUMBER PlEASE_ WRITE IN PA'IMENT DUE AMOUNT DUE DATE BAlANCE ' AUOUflTlJF PAYNEill' ENCLOSED D. DO. 0..0.0. 11/19/0.0. 830.5.85 5455 8912 0.0.0.0. -290.6 - DETACH AND REMIT THIS PORTION TELEPHONE NO: 888-90.3-0.141 GARY LEIDY D.C. 433 N ENOLA RD ENOLA PA 170.25-2128 P12 1 2 CREDIT AVAILABLE DAYS IN STATEMENT PAYMENT DUE MINIMUM ACCOUNT NUMBER BIU.ING UMIT CREDIT CYCLE a..OSINGDATE DATE PAYMENT DUE 5455 8912 0.0.0.0. 290. 6 10.0.0.0. 1694 30. 10./25/0.0. 1111910.0. 0..0.0. DATE OF - TRANS. POST. REFERENCE NUMBER CHARGES, PAYMENTS AND CREDITS SINCE lAST STATEMENT AMOUNT 0.926 0.927 8854419LYDDH8JE2K PRACTICE BUILDER ORGAN IRVINE CA 1195.0.0. 0.927 0.928 7846494LZ6DMYS5FH FOOT LEVELERS INC 540.3450.0.0.8 VA 10.6.00. 0.927 0.929 7854186MD0,3RPQLQQ HBL*10'0'5659575-10'8580'5 310.-410.-960.0. CA 59.95 0.928 0.930. 7841117M17YAS26KN MCD PRODUCTIONS 850.-30.20.111 FL 444.0.0. 0.928 0.930. 885D437M1S66WXE6H DRG TELEMARKETING POMONA NY 1321.67 10.0.1 10.0.2 7843286M30'0'WV8GHY AOL*ONLINE SERVICE 0. 90. 80.0.-679-9444 VA 21.95 10.0.2 10.0. 4 7854186M50,3RQVJJS HBL*lD0'5669331-10'86774 310.-410.-960.0. CA 31.0.2 10.0.9 10.0. 9 -8545588MBDo'YFKH7Y PAYMENT - THANK YOU 834.74- 0.926 10.10. 7549967MBKSNJNTJ6 UNITED 0.1610.164378981 ALTAMONTE S FL 40..0.0. LEIDY/G 10./21/0.0. 1 UA Q 0 MIDDLETOWN CHrCAGO 10./21/0.0. 2 UA Q CHICAGO MIDDLETOWN 10.12 10.13 8841734MEJNNSR5QT CRYSTAL CATHEDRAL HOP 714-9714278 CA 50.0..0.0. 10.16 10.17 785D362MJo'o'LYX59X PRO STEP, INC DES TIN FL 60.0..0.0. 1019 10.20. 7843286MMo'o'E45ZSM MYR*MEYER DISTRIBUTING 80.0.-472-4221 CA 51.96 10.24 10.25 7843286MSO,O,HN8HQM MYR*MEYER DISTRIBUTING 80.0.-472-4221 CA 293.21 * FINANCE CHARGE* PU CHASES $93.0.4 CASH ADVANCE $0. . DO. 93.0.4 EWARDS EARNED PRIOR STATEMENT: 183.51 EWARDS REDEEMED: .0.0. PREVIOUS PAYMENTS CREDITS PURCHASES AND DEBIT FINANCE NE1III BALANCE CASH ADVANCE ADJUSTMENTS CHARGES BALANCE AN AMOUNT FOLLOWED BY A MINUS SIGN ( ) IS A CREDIT OR A CREDIT BALANCE UNLESS OTHERWISE INDICATED. AVERAGE DAILY BALANCE METHOD: FINANCE CASH TOTAL IIVeFlIIGE:DAIL"f6ALIINCE tRv~~~ig~~~~~ Ic~==y~:t~c:~ p~~~~~"fC':~A~~;E 01' CURRENT CYCLE PURCHASeS CHARGE ADVANCE FINANCE I FOR CYCLE FEE CHARGE t UNDER RPJE ClOOGE POlNl' DOLLARPOlNT 2. O\IERRPJE CHANGE POINT OOWR'.... 9.0IlERRJlJ"ECHANGEPOINT PJUIIHICH """"H CASH .~NOilLPERCElIj';lIGEllATE . .... )If)~~ PURCHASES RATESCH.otlGE )If)=ES PURCHASES """''''''''' ""..,,,, PURCHASES CORRESPONDING ANNUAL PERCENTAGE RATE MONTHLY PERIODIC RATES lie NOTICE: FOR BILUNG ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE 7-Li) "~ ~ ,~ ,--"",L,""",~,jL<; . - ~<. NCMIC FINANCE CORP PO BOX 3038 EVANSVILLE IN 47730-3038 I W$jl'J ~~. Payments received atlhe billing address shown below by 2:00 P.M. C.T. Monday1hru Frtday will becredlladtD,your account as of ihedalB of receipt. payments received at any other locallon may be subject lDa delay in cred!ing ofuptD 5 days aller1hedateofrecelpt. ""'" '"'lI'c'iII'1!-" 'f!'t1:rl\"It~ TO, P.O. BOX 740652 CINCINNATI, OH 45274-0652 PlEASE C1iECl( B(lXTOlND/CPJE POORESS C1i,lJN(lE AND COMPLETE REl.IERSE SIDE o NFI0 lIC 7 25 1 55930003 MINIMUM PAST DUE PAYMENT NEW PLEASE WRITE IN PAYMENT DUE AMOUNT DUE DATE BALANCE ACCOUNT NUMBER AMOUNT OF PAYMENT ENCLOSED 0.00 0.00 11/19/00 8305.85 5455 8912 0000 -2906 .. GARY LEIDY D. C. 433 N ENOLA RD ENOLA PA 17025-2128 P12 DETACH AND REMIT THIS PORTION TELEPHONE NO' 888-903-0141 2 2 ACCOUNT NUMBER CREDIT AVAILABLE DA'YSIN STATEMBU PA'tMENT DUE MINIMUM -B1WNG LJM1T CREDIT CYClE CLOSING DATE DATE PA"-T DUE 5455 8 912 0000 2 90 6 10000 1694 30 10/25/00 11/19100 0.00 DATE OF TRANS. POST. REFERENCE NUMBER CHARGES, PAYMENTS AND CREDITS SINCE (AST STATEMENT AMOUNT EWARDS EARNED THIS ONTH: 69.97 OTAL REWARDS EARNED TO DATE: 253.48 - PREIIIOUS PAYMENTS CREDITS PURCHASES AND DEBIT FINANCE NEW BALANCE CASH ADVANCE ADJUSTMENTS CHARGES BALANCE 4382.79 834.74 0.00 4664.76 0.00 93.04 305.85 AN AMOUNT FOLLOWED BY A MINUS SIGN ( ) IS A CREDIT OR A CREDIT BALANCE UNLESS OTHERWISE INDICATED. AVERAGE DAILY BALANCE METHOD: METHOD 1 FINANCE CASH TOTAL AVERAGEDAU. Y ElAU,NCE: :;:=~L~Elp~~~ IC~=-~~~~;~E AVE:R~ONL YBALANCEOP OF'CURRENI'_CYCU::PlJRCHAS~ PRe\IlQUSCYCl.ECASHM>tWlCE CHARGE ADVANCE FINANCE 3316.77 3884.80 I 0.00 0.00 FOR CYCLE FEE CHARGE 93.04 0.00 93.04 i.UNDERRllJ'ECH!INGEPQfNT DOLLARPOINr 2. OlA:RRPJ"E CHANGEPOlNr DOLLAR POINT a OliERRPJ"ECHANGEPOINr A~J;!ER~j~!;E'~Ti'. . .1550. CASH PJ"UllHICH ..;,?,,'Ces PJ"UllHICH """ .aDVANCES PUR<:HASES R,qrESCHANGE PURCHASES RIlI"ESCHMlGE """""" PURCHASES CORRESPONDING ANNUAL PERCENTAGE RATE 15.50 15.50 9 99 9 9 9 0.00 0.00 999999 0.00 0.00 MONTHLY PERIODIC RATES 1. 2 92 1.292 NIA 0.000 0.000 N/A 0.000 0.000 lie NOTICE: FOR BilLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE tl-(2) ,~"j,-4,~,L,,,,,,,,.1"_1"'''~''",,,,,: ~ - ~" , NCMIC FINANCE CORP PO BOX 3038 EVANSVILLE IN 47730-3038 l!!$AI -~,: Payments recei'ded atlhe billing adclress shown below by 2:00 P.M. C.T. Monday1hru Friday wlU becrelfrtsd1D youraccountas of 1I1e date of receipt Payments reteilJed at any other loeaton may be SUbject toa delay incrediling ofuplO 5 days afler1he datE ofrecelpt M"" "'}'i'C'al'1!'" '!IBr~ rn, P.O. BOX 740652 CINCINNATI, OH 45274-0652 PLEASE CHECK 90XTQ INDICJV"E PDDRI;SS CHANGemDCOIIIPLETEREVERSESIDE D NFlO lIe 7 25 1 55930002 MINIMUM PAST DUE PAYMENT NEW ACCOUNT NUMBER PLEASE WRITE IN PAYMENT DUE AMOUNT DUE DATE BALANCE . AMOUNT OF PAYMENT ENCLOSED 0.00 0.00 12/20/00 9771. 95 5455 8912 0000 -2906 - GARY LEIDY D.C. 433 N ENOLA RD ENOLA PA 17025-2128 P12 DETACH AND REMIT THIS PORTION TELEPHONE NO. 888-903-0141 1 2 . CREDIT AVAILABLE DAYS IN STATEMENT PAYMENT DUE MO\IIMUM ACCOUNT NUMBER BlUING LIMIT CIlEDIT CYCLE CLOSING DATE DATE PAYMENT DUE 5455 8912 0000 2906 10000 228 31 11/25/00 12/20/00 0.00 DATE OF . TRANS. POST. REFERENCE NUMBER CHARGES, PAYMENTS AND CREDITS SINCE LAST STATEMENT AMOUNT 1030 1101 9341019N1AFRH3YLJ DELTA 0061019861757 ALTAMONTE SPG FL 652.01 LEIDY/G 11/24100 1 DL K 0 MIDDLETOWN ATLANTA 11/24/00 2 DL L 0 ATLANTA CANCUN 11/24/00 3 DL L 0 CANC UN ATLANTA 11/24/00 4 DL K 0 ATLANTA MIDDLETOWN 1030 1101 9341019N1AFRH3YLS DELTA 0061019861758 ALTAMONTE S PG FL 652.01 .. PETERS/J 11/24/00 1 DL K 0 MIDDLETOWN ATLANTA 11/24/00 2 DL L 0 ATLANTA CANCUN 11/24/00 3 DL L 0 CANCUN ATLANTA 11/24/00 4 DL K 0 ATLANTA MIDDLETOWN 1030 1101 9341734N1GZ09BGWD AGNT FEE 89081122487486 ALTAMONTE SPG FL 10.00 LEIDY/G 10/30100 1 XD Y XAA XAO 1030 1101 9341734N1GZ09BGWM AGNT FEE 89081122487490 ALTAMONTE SPG FL 10.00 PETERS/J 10/30100 1 XD Y XAA XAO 1031 1101 7843286N100NR53ZQ AOL*ONLINE SERVICE 100 800-679-9444 VA 21. 95 PREVIOUS PAYMENTS CREDITS PURCHASES AND DEBIT FINANCE NEW BALANCE CASH ADVANCE ADJUSTMENTS CHARGES BALANCE AN AMOUNT FOLLOWED BY A MINUS SIGN (-) IS A CREDIT OR A CREDIT BALANCE. UNLESS OTHERWISE INDICATED. AVERAGE DAilY BALANCE METHOD, . CASH TOTAL AVERAGE! CAlLY SALAACE p~~g;o-~9F'~~;i~ Ic~~~~Y~~~ ,&,VER,&.C;EDJdLYBALANCEOf' FINANCE Of' CURRENI' CYCLE PURCtfASES PRE\ll\')U$CYCLECPSH~ CHARGE ADVANCE FINANCE I FOR CYCLE FEE CHARGE 1.IJNI)ERR1ll'ECHIWGEPOINT DOLI.JlRPOINT 2.0lJCRRSll'ECHANGEP01NT OOLLAAPOINJ' 3. O\IERRjIJ'ECHNiGEPOltfr /lI"WHICH PJUIIHICH "" ;AMlilllL)!E~JAl;EAATE : 1lD:ES PURCHPSES R.uJE$CHPt-/<lE Jll)~CES PUR<:HASES RI'dSSCHP1lGE PD\fANCES PURCHASl:S CORRESPONDING ANNUAL PERCENTAGE RATE MONTHLY PERIODIC RATES lie NOTICE FOR BilLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE FCJj """"~"'.';.""'M<llri;"';",,,=,~.",_~,,-!,,,,, ~i " ~~ NCMIC FINANCE CORP PO BOX 3038 EVANSVILLE IN 47730-3038 I Vl$A-1 Orad: PaymentlJ: received at1he billing address shown below by 2:00 P.M. C.T. Mondaylhru Fridaywlll becred!tedto your accournas of 1I1e dale of receipt Payments recell/ee1 at any other location may be SUbject lDadeJayincreditirig otupto5days afler'thedateofreceipt. ""'. '"'N'C'l!'t~ ~ThJl.~ '0, P.O. BOX 740652 CINCINNATI, OH 45274-0652 PlEPSECHECJ:IlOXTOINOl:CJlJ'E1(IDRESS CHAAlGEPND COMPLETE RE\lERSESlDE o NFlO lIC 7 25 1 55930002 MINIMUM PAST DUE PAYMENT NEW PLEASE WRITE IN PAYMENT DUE AMOUNT DUE DATE BALANCE ACCOUNT NUMBER . AMOUNT OF PAYMENT ENCLOSED 0.00 0.00 12120/00 9771.95 5455 8912 0000 -2906 - GARY LEIDY D. C. 433 N ENOLA RD ENOLA PA 17025-2128 P12 DETACH AND REMIT THIS PORTION TELEPHONE NO' 888-903-D.141 2 - CREDIT: AVAILABLE DAYS IN STATEMENT PAYMENT DUE MINIMUM ACCOUNT NUMBER E1IWNG UMIT ' CREDIT CYtlE CLOSING DATE DATE PAYMENT DUE 5455 8912 0000 2906 10000 228 31 11/25/00 12/20/00 o . 00 DATE OF - TRANS. POST. REFERENCE NUMBER CHARGES. PAYMENTS AND CREDITS SINCE LAST STATEMENT AMOUNT '* FINANCE CHARGE* PU CHASES $120.13 CASH ADVANCE $0.00 120.13 EWARDS EARNED PRrOR STATEMENT: 253.48 EWARDS REDEEMED: .00 EWARDS EARNED THIS ONTH: 20.19 OTAL REWARDS EARNED TO DATE: 273.67 - PREViOUS PAYMENTS CRfDITS PURCHASES AND DEBiT FINANCE NEW BALANCE CASH ADVANCE ADJUSTMENTS CHARGES BALANCE 8305.85 0.00 0.00 1345.97 0.00 120.13 9771.95 AN AMOUNT FOLLOWED BY A MINUS SIGN (-) is A CREDIT ORA CREDiT BALANCE UNLESS OTHERWISE INDICATED. AVERAGE DAILY BALANCE METHOD: METHOD 1 FINANCE CASH TOTAL AVERAa~ DIIlL '( a...u.NCE ~~g~~s:u~~ Ict~~Y~~=~~E AVERAGEDAlL Y E1ALAIIlCEOf' OFCURRENTC'l'CLE Ptm0HME8 PRElJ10USCYCLE CHARGE ADVANCE fiHAHCE 1085.45 8212.81 I 0.00 0.00 FOR CYCLE FEE CHARGE 120.13 0.00 120.13 l.Ur4DERRJa'ECH.cNGEPOINT DOlLIlFlPOINr 2. O'lJERR.trrECHJI.NGEP<>lNT DOllJlRPOlNT S.O'u'ERRp;rECHANGEPotnr CP'" /lI'IJ\IHICH ~=CES /lI'IJ\IHlCH """ A~NU~~.PEJlq!NJA(;f:.Ill\TE 15,_5.0. AD\fllNCES PURCHPSES RPJESCHANGE PURCHASES RPJESCHJIl{G!: ""'"""" PURCHASES CORRESPONmNG ANNUAL PERCENTAGE RATE 15.50 15.50 999999 0.00 0.00 999999 0.00 0.00 MONTHLY PERlODlC RATES 1.292 1.292 N/A 0.000 0.000 N/A 0.000 0.000 lie NOTICE: FOR BIWNG ERRORS AND IMPORTANT INFORMA-nON, SEE REVERSE SIDE fl2 , -- ~ 'r"-~ - '" '., 1"""",L"~.,g",,,ii""'_, ? ~ ,:.~~ "' "..,I,';";__",,,,LH,,,,-,,,,,,.,c_,,,i NCMIC FrNANCE CORP PO BOX 3038 EVANSVILLE IN 47730-3038 11f!$JlI ~_:.! ~[(i Payments recaived at1he bllfing address shown below by 2:00 P.M. e.T. Mondaylhru Friday wID be credllBd10 your actountas of 1118 dale of receipt. Payments rscerued at any other !ocallon may be subject loadefayJncre~_afupto6days alIer1hedale afreceipl. "". CH'Nl;~ye" 'r-~~~ '0, P.O. BOX 740652 CINCINNATI, OH 45274-0652 PLEPS6 CHEClC BOX TO INLlICIm: ADDRESS C:HANGEPWCOMPLETERE\eRSSSIDE o MINIMUM PAST DUE PAYMENT NEW PlEASE 'WRITE In PAYMENT DUE AMOUm DUE DATE BALANCE ACCOUNT NUMBER AMOUNT OF PAYMENT ENClO8ED 1256.21 0.00 01/19/01 10918.47 5455 8912 0000 -2906 - NFlO lIC 07 25 1 55930008 GARY LEIDY D.C. 433 N ENOLA RD ENOLA PA 17025-2128 P12 DETACH AND REMIT THIS PORTION TELEPlfONE NO: SS8-903-0141 CREDIT AVAILABLE DAYSlN SlATEMENT PAYMENT DUE MINIMUM ACCOUNT NUMBER BJLlJNG LIMIT CREDIT CYCLE CLOSING DArE DATE PAYMENT DUE 5455 8912 0000 2906 10000 NONE 30 12/25/00 01/19/01 256.21 DATE OF - TRANS. POST. REFERENCE NUMBER CHARGES, PAYMENTS AND CREDITS SINCE LAST STATEMENT AMOUNT 1201 1203 7843286POOOLETZZZ AOL*ONLINE SERVICE 110 800-679-9444 VA 21.95 1221 1224 8841734PMJPBXNNKT CRYSTAL CATHEDRAL HOP 714-9714278 CA 1000.00 * FINANCE CHARGE* PU CHASES $124.57 CASH ADVANCE $0.00 124.57 EWARDS EARNED PRIOR STATEMENT: 273.67 EWARDS REDEEMED: .00 EWARDS EARNED THIS ONTH: 15.33 OTAL REWARDS EARNED TO DATE: 289.00 .. PREVIOUS PAYMENTS CREDITS PURCHASES AND DEBIT FINANCE NEI!I BALANCE CASH ADVANCE ADJUSTMENTS CHARGES BALANCE 9771.95 0.00 0.00 1021.95 0.00 124.57 10918.47 AN AMOUNT FOLLOWED BY A MINUS SIGN (-) IS A CREDIT ORA CREDIT BALANCE UNLESS OTHERWISE INDICATED. . AVERAGE DAILY BALANCE METHOD: METHOD 1 FINANCE CASH TOTAL AVERAGE CAlLY 6M.ANCE pAR~~~:g~6iYEe:~;S~ Ic'j~=g.:~~~tC:~;A~Cf: AVERAGE DAILY SALANCl!: 01" 01" CURREfll(" CYCLE PURCHASES PRElIlOUSCYClECJl.'iH~ CHARGE ADVANCE FINANCE 83.49 9558.78 I 0.00 0.00 FOR CYCLE FEE CHARGE 124.57 0.00 124.57 1. UNDERR.o:J'E CHIUIlGEPOINT OOLURPOINT 2.0'u'ERRIt1'ECHANGEPOINJ' DOl.l..AAPOINJ' 9. O'u'ERRItTE CH/lJ'lGl:P01NJ' I(fl1llHICH .UJ>:es IlrUIIHICH CAS" 'ANN(JIiLPERCE.NJAGERllTE 15..5.0' AD~CES PURtHASES RPJESCHPIlGE PUROlASES R/IJES (HANGE PDl/ANCES "''':I'''''' CORRESPONmNGANNUAL PERCENTAGE RATE 15.50 15.50 999999 0.00 0.00 999999 0.00 0.00 MONTHLY PERIODIC RATES 1.292 1.292 N/A 0.000 0.000 N/A 0.000 0.000 lie NOTICE: FOR BIWNG ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE G ", - NCMIC FINANCE CORP PO BOX 3038 EVANSVILLE IN 47730-3038 ~$A.I -."""'..:I'! ~ Payments rece'lved at1he billing address llhown below by 2:00 P.M. C.T. Monday1hru Friday will bscredlledto your account as of 1I1e dale of receipt. Payments recetved at any other tocallon may be SUbject toa defay In cred'ili~_ ofup1D 6 days alIer1he date ofreeeJpt. """ OH'll'C~l^E!'" 'i! YilJ..'\lit':1 '0, P.O. BOX 740652 CINCINNATI, OH 45274-0652 PLEASE CI-lECK BoXTO 1t-mICATEADDRESS CHAAlGE AND COIllPl.EJ'E RElJERSE SIDE D NF10 lIC X7 25 1 55930001 MINIMUM PAST DUE PAYMENT NEW PlEASE 'WRITE IN PA'iMENT DUE AMOUNT DUE DATE BALANCE ACCOUNT NUMBER . AMOUNT OF PAYMENT ENCLOSED 1889.74 337.74 02/19/01 11077.34 5455 8912 0000 -2906 - GARY LEIDY D.C. 433 N ENOLA RD ENOLA PA 17025-2128 P12 DETACH AND REMIT THIS PORTION TELEPHONE NO. 888-903-0141 CREDIT AVAILABLE DAYS IN STATEMENT PA\"MENT DUE MINIMUM ACCOUNT NUMBER BillING UMIT CllEOIT CYCLE CLOSING DATE DATE PAYMENT DUE 5455 8912 0000 2906 10000 NONE 31 01/25/01 02/19/01 889.74 DATE OF - AMOUNT TRANS. POST. REFERENCE NUMBER CHARGES, PAYMENTS AND CREDITS SINCE LAST STATENlENT 1231 0102 7843286PYOOL7KWTH AOL*ONLINE SERVICE 120 . 800-679-9444 VA 21. 95 * FINANCE CHARGE* PU CHASES $136.92 CASH ADVANCE $0.00 13 6.92 TOTAL *FINANCE CHAR E* PAID IN 2000 $847.45 - - - - - - - - - - - - - - WE HAVE NOT RECEIVE YOUR PAYMENT. PLEASE SEND IT TO US IMMEOIATEL OR CALL 1-800-617-1724. IF YOU HAVE SENT IT, P EASE DISREGARD THIS NOTICE. ~EWARDS EARNED P RI OR STATEMENT: 289.00 ~EWARDS REDEEMED: .00 r-EWARDS EARNED THIS ONTH: .00 OTAL REWARDS EARNED TO DATE: 289.00 PREVIOUS PAYMENTS CREDITS PURCHASES AND DEBIT FINANCE NEW BALANCE CASH ADVANCE ADJUSTMENTS CHARGES BALANCE 10918.47 0.00 0.00 21.95 0.00 136.92 1 077.34 AN AMOUNT FOllOWED BY A MINUS SIGN (-) IS A CREDIT OR A CREDIT BALANCE UNLESS OTHERWISE INDICATED. AVERAGE DAILY BALANCE METHOD: METHOD 1 FINANCE CASH TOTAL AVERAGE': CAIL'f E1^L.ANCf.: !:Rv~~~e!>~=;s~ Ic=:~A~~~~A~ =~~~~~~y<:~~~ OF CURRENI' CYCLE PUFlCHAS~ CHARGE ADVANCE FINANCE 16.99 10580.73 I 0.00 0.00 FOR CYCLE FEE CHARGE 13 6.92 0.00 136.92 t. UND~RATE CHPN6E porm DOLLAR POINT 2. OllERRPJ'ECHIlNGEPQlNT lXILURPOINT 3. OlJER R/IJE CHANGE POINT Kl'UllHICH AD:ES AT1JllHICH :.oIiNI!ilLp~JIlG~JI;Iil'E .I5c..50 )lO~S PURCHASES RJll"ESCHPIlGE PURCHASES RPJ"ESCHP1roE flD~S PUllOH"" CORRESPONrnNG ANNUAL PERCENTAGE RATE 15.50 15.50 999999 0.00 0.00 999999 0.00 0.00 MONTHLY PERIODIC RATES 1.292 1.292 N/A 0.000 0.000 N/A 0.000 0.000 lie NOTICE: FOR BIWNG ERRORS AND IMPORTANT INFORMATION. SEE REVERSE SIDE it-(j) >~ ~ M~ .>AAJ..""'~';;'l<l~L"'_'HM,ij_",i ~ NCMIC FINANCE CORP PO BOX 3038 EVANSVILLE IN 47730-3038 IYiJA"J _&i Payments receilled atlhe bIlling address shown below by 2::00 P.M. C.T. Mondaylhru Fl'idaywlD be crsdiled10 your accollntasof 1I1e da1a afrecaJijPaym~ receilted at any ather location may be subject loade In crediting ofuplo5days a/lerlhedale ofreteipt. ",,,,n,, ~Y1!""Hh~"" P.O. BOX 740652 CINCINNATI, OH 45274-0652 PlEASECHECICBO)(TOINDJC.m'EADDRESS CHfflGEPNDCOMPlE;TERE\'ERSESlDE o NFlO lIC X7 25 1 55930001 MINIMUM PAST DUE PA\'MENT NEW PLEASE WRITE IN PAYMENT DUE AMOUNT DUE DATE BALANCE ACCOUNT NUMBER AMOUNT Of PAYMENT ENCLOSED 1889.74 337 .74 02/19/01 110.77.34 5455 8912 0000 -2906 - GARY LEIDY O. C. 433 N ENOLA RD ENOLA PA 17025-2128 P12 DETACH AND REMIT THIS PORTION TELEPHONE NO: 888-903-0141 CREDIT AVAILABLE DAYS IN STATEMENT PAYMENT DUE MINIMUM ACCOUNT NUMBER BlWNG UMlT CREDIT CVll.E CLOSl~ DATE DATE PA\'MENT DUE 5455 8912 0000 2906 10000 NONE 31 01/25/01 02/19/01 889.74 DATE OF .. TRANS. POST. REFERENCE NUMBER CHARGES, PAYMENTS AND CREDITS SINCE LAST STATEMENT AMOUNT 1231 0102 7843286PYOOL7KWTH AOL*ONLINE SERVICE 120 800-679-9444 VA 21.95 * FINANCE CHARGE* PU CHASES $136.92 CASH ADVANCE $0.00 136.92 TOTAL *FINANCE CHAR E* PAID IN 2000 $847.45 - - - - - - - - - - - - - - WE HAVE NOT RECEIVE YOUR PAYMENT. PLEASE SEND IT TO US IMMEDIATEL OR CALL 1-800-617-1724. IF YOU HAVE SENT IT, P EASE DISREGARD THIS NOTICE. EWARDS EARNED PRIOR STATEMENT: 289.00 ~EWARDS REDEEMED: .00 ~EWARDS EARNED THIS ONTH: .00 "OTAL REWARDS EARNED TO DATE: 289.00 PREVIOUS PAYMENTS CREDITS PURCHASES AND DEBIT FINANC.E NEW BALANCE CASH ADVANCE ADJUSTMENTS CHARGES BALANCE 10918.47 0.00 0.00 21.95 0.00 136.92 1 077.34 AN AMOUNT FOLLOWED BY A MINUS SIGN (-) IS A CREDIT ORA CREDIT BALANCE UNLESS OTHERWISE INDICATED. AVERAGE DAILY BALANCE METHOD: METHOD 1 FINANCE CASH TOTAL AVERAGE O....L Y BALANCE pA~g~~~~= Ic~~CYC~Y~~~A~~E ,WERAGE DAILY e...tANCE Of' OF CURRENI' CYCLE PURCHASES PRE1J[OUSCYa.ECASHJlO'\o'IINCE CHARGE ADVANCE FINANCE 16.99 10580.73 I 0.00 0.00 FOR CYCLE FEE CHARGE 13 6 . 92 0.00 136.92 1. UNDERRJIJ'E CHANGE POINT DOlLARPOIl'lT 2.0~RATECHANGEPOlNT DOLlPRPOINr 3. OIlER RPJE CHANGE POINT /Il)=ES .'ll"lIlIHICH PD~~ AfUllHICl-l CASH A~tIlf~t P,~~$f'r:AGE.RATE L550. PURCHASES RIlJ'ESCHPmE PURCHASES Ibil'ESCHANGE PDVANCE' PURCHASES CORRESPONDING ANNUAL PERCENTAGE RATE 15.50. 15.50 999999 0.00 0.00 999999 0.00 0.00 MONTHLY PERIODIC RATES 1. 292 1. 2 92 N/A 0.000 0.000 N/A 0.000 0.0.00 lie NOTICE: FOR BilLING ERRORS AND IMPORTANT INFORMA1l0N, SEE REVERSE SIDE \t(z) ~...-~,,",,,,,I."."'-N"",," ",. ~.J.~ "',>, ,,"<_l~;"';t~"'''''b, " NCMIC FINANCE CORP PO BOX 3038 EVANSVILLE IN 47730-3038 "'~SAJ _ct' Payments received atll1e bllflng address shown below by 2:00 P.M. C.T. Mondayll1ru Friday wiD be cret1lIed1o your account as of 1I18aate of receipt Payments rsceIIfed at any ether locallon may be subject ID a delay In Crdrig ofup1o 5 days aller1hedateofreceipt. M^"" "''il't''rI'te' !} ~!irme:1 ro P.O. BOX 740652 CINCINNATI, OH 45274-0652 PLEASE a-lECK BOX TO INDlC,l(J'EAODRESS CHANGE IWD c()I;lPlEJ'E REWRSE SIDE o M_UM PAST DUE PAYMENT NEW PLEASE WRITE IN PAYMENT DUE AMOUNT DUE DATE BALANCE ACCOUNT NUMBER AMOUNT OF PAYMENT ENCLOSED 2661.65 812 .40 03/22/01 11241.94 5455 8912 0000.2906 - . NFlO lIC AX7 25 1 55930002 GARY LEIDY D.C. 40 QUEEN AVE ENOLA PA 17025-2323 P12 DETACH AND REMIT THIS PORTION TELEPHONE NO: 888-903-0141 CREDit AVAIlABLE DAYS IN STATEMENT PAYMENT DUE MINIMUM ACCOUNT NUMBER BILJ.ING UMIT CREDIT CYCLE CLOSING DATE DATE PAYMENT DUE 5455 8912 0000 2906 10000 NONE 31 02/25/01 03/22/01 661.65 DATE OF - .. TRANS. POST. REFERENCE NUMBER CHARGES, PAYMENTS AND,CREDITS SINCE LAST STATEMENT AMOUNT 0212 0212 75432861BOOTFQYTF AOL*ONLINE SERVICE 010 800-679-9444 VA 21.95 0225 0225 LATE FEE 10.00 * FINANCE CHARGE* PU CHASES $132.65 CASH ADVANCE $0.00 132.65 TOTAL *FINANCE CHAR E* PAID IN 2000 $847.45 - - - - - - - - - - - - - - THIS IS THE SECOND ONTH IN A ROW WE HAVE NOT RECEIVED YOUR PAYME T. PLEASE CALL 1-800-617-1724 SO W CAN RESOLVE THE PROBLEM. EWARDS EARNED PRIOR STATEMENT: 289.00 EWARDS REDEEMED: 289.00 EWARDS EARNED THIS ONTH: .00 OTAL REWARDS EARNED TO DATE: .00 PREVIOUS PAYMENTS CREDITS PURCHASES AND DEBIT FINANCE NEW BALANCE CASH ADVANCE ADJUSTMENTS CHARGES BALANCE 11077.34 0.00 0.00 21.95 10.00 132.65 1 241. 94 AN AMOUNT FOllOWED BY A MINUS SIGN ( ) IS A CREDIT DR A CREDIT BALANCE UNLESS OTHERWISE INDICATED. PLEASE NOTE THAT yOUR PAYMENT RETURN ADDRESS HAS CHANGED. THE NEW ADDRESS CAN BE FOUND ON YOUR PAYMENT STUB. PLEASE SEND ALL FUTURE PAYMENTS TO THIS ADDRESS. SENDING A PAYMENT TO THE OLD ADDRESS COULD CAUSE DELAYS IN PROCESSING. AVERAGE DAILY BALANCE METHOD: . METHOD 1 FINANCE CASH TOTAL OF~;:=g:~=~~ :R~~~~g~ep~t~~;s~ Ic~e:..~~Y~~:g~A~E P~:6~~~YC~~A:S~~ CHARGE ADVANCE FINANCE 9.91 10602.68 I 0.00 0.00 FOR CYCLE FEE CHARGE 132.65 0.00 132.65 1. uNOERRATEa-lANGEPOlNT DOUARPOINT 2. OlIERRItTECl-fANGEf'(I!Nf DCrll.AAf'(IlNT 3. O\.IERRIll'E CHANGEPOINr 1Jt)~~ES ATlf1IHICH CAS" .oJWHlCH AOt:~S ANN!J~J:imtQl-':AGE'-lWotE, . 15.00 PURCHASES R1lI"ESCHAHGE AOl/ANCES PURCHASES RJlrESCHAHGE PlJRCH.olISES CORRESPONDING ANNUAL PERCENTAGE RATE 15.00 15.00 999999 0.00 0.00 999999 0.00 0.00 MONTHLY PERJODIC RATES 1. 250 1.250 NIA 0.000 0.000 N/A 0.000 0.000 lie NOTICE: FOR BilliNG ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE I . , Gary J. Leidy 40 Queen Avenue Enola, Pa. 17025 NCMIC Finance Corp. c/o Larry S. Eisman 705 Montgomery Avenue PO Box 527 Narberth, Pa. 19072 Certified Mail No. /,"00 /'S3o {5'C'O i i 3' 7 2-2.,-/0 6/17/01 Re repayment of deposit Greetings: Thank you for taking a moment to review this request On 5/25/01, I deposited $11,700.47 with your organization and I am now requesting that you return it to me. I do not find any repayments terms in the written agreement, so please return my full deposit within thirty [30] days. The account number i5:5455 8912 0000 2906. Best regards, AJ~j Gary J. Leidy ",:::r" ,,""'," '-~'. r, -~"~:",,,,~~j,,>. ' ..;", ~~'- '<-;""'~!k:jiHi_~~l&i~dli~"",,fkllJ';"~-;"'iv._-, "f_"'" ;_:,:,c;i~+:',lc" ,,^,; ""';':b"H'n"""-"H_j'1Ul.,l!:m4:;rm,'~Iml~tr;;.J~~~i'ilJl<l~'/i:l'-'~" r" ~~, ~ ~ &h -CQ.. -tQ, (i:. t- * ..l:: ~ f1'1C115) ~ t (J 8 C/) ~ ~ (). "<) I I ~ 0( ffr ~ '<~ .,1. J..IW'J!(J!lllUJIIllJIIIIL..",,,.,,,. ~",'~'."".","",'.. ...,..........., .... .... ., ,!;!lUllm . , 0 :"7') r~ c.:: ""t~ ~~, c::> C.I..1 '. nl ;'1 t-.) ... 8 -, ._~ ;:=1 ~ :~"1 " ,\:-- ,",-i (~, I '-' . I~') ~ .- ("5 ("~:r.L, p i'" .~'.':i :.:0" 2: (') :1'-:; ?'o;::-~ .5'-~ I:::) ':-;' 6~~ c ,~ '.) ~ ~ (Xl :n -< ~. ~ . _.'~~ '0' '" - =~ ~ -"~~1~_"'ci~'d,',_:, SHERIFF'S RETURN - REGULAR CASE NO: 2001-06030 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND NCMIC FINANCE CORP ET AL VS LEIDY GARY J DOUGLAS DONSEN , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon LEIDY GARY J the DEFENDANT , at 2105:00 HOURS, on the 7th day of November, 2001 at 40 QUEEN AVENUE ENOLA, PA 17025 by handing to GARY LEIDY 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 Service Affidavit Surcharge 18.00 10.40 .00 10.00 .00 38.40 So Answers: :r'~~~~ R. Thomas Kline me this ell, '50: day of 11/13/2001 LARRY S EISMAN BY:{] fQ _ "'""Deputy Sheriff Sworn and Subscribed to before '---l'unJ-e~'-", c2.&o I A . D . ~o.- a 'YYu)!.I..-" A~ P othonotary . _. -.' . . ~ ~~" . ~. , . .1 I._'~"'h,"'-_ f. "I ~JL. FI.rJJfrJaL~; .If hi a.. iJf-c.- hAl/lAlu Cdl~ fLlf-trJT7H'/ 03wJWl. ()1-/'bJ<Jtf.JV, l/ [,#-"1 J, Up;) 'I Of - (d70 4v11- ~ ()It-~fJWi' N~ I'i.t1vvl1#AFFIDAVIT tA?e..:;t STATE OF PENNSYLVANIA ss COUNTY OF CUMBERLAND I, Gary J. Leidy, do hereby solemnly affirm that the statements herein are true and correct in substance and in fact, to wit: I recently requested copies of various publications published by several branches of the Federal Reserve Bank. The quotes reproduced below are taken verbatim from several of these publications. They explain that the customer of a bank is the depositor when he obtains a loan and that he is entitled to the return of his deposit. The explanations you will read below admit that banks or depository institutions within the Federal Reserve System do not loan money from their own assets but rather, they create money by simply entering the amount created or crediting it in an accounting ledger. Hats the Federal Reserve Wears Federal Reserve Bank of Philadelphia Public Affairs Department P. O. Box 66 Philadelphia, PA 19105-0066 215-574-6115 Page 6, Paragraph 3: "Money for loans comes from two sources: 1) people who have saved and are willing to lend their savings; and 2) institutions such as banks, which have the power, within limits, to create money in checking-type accounts when they make loans." Page 8, Paragraph 3: "Federal Reserve notes are the only kind of paper money issued today." Modern Monev Mechanics Federal Reserve Bank of Chicago Public Information Center P. O. Box 834 Chicago, IL 60690-0834 312-322-5111 ~"" <j' ", '.'~ - "'" , ..',..{~"",j,.""c- " . . Page 3, Second Column, Paragraph 1: "Who Creat~s Money? ... The actual process of money creation takes place primarily in banks. ". checkable liabilities of banks are money. These liabilities are customers' accounts. They increase when customers deposit currency and checks and when the proceeds of loans made by the banks are credited to borrowers' acCounts. ... Then, bankers discovered that they could make loans merely by giving their promises to pay, or bank notes, to borrowers. In this way, banks began to create money. ... Transaction deposits are the modern counterpart of bank notes. Page 7, Example 3, Expansion-Stage 1: "Expansion takes place only if the banks that hold these e~cess reserves increase their loans or investments. Loans are made by crediting the borrower's deposit account, i.e., by creating additional deposit money." "Stage 7: Expansion continues as the banks that have excess reserves increase their loans by that amount, crediting borrowers' deposit accounts in the process, thus creating still more money." Points of Interest Federal Reserve Bank of Chicago Public Information Center P. O. Box 834 Chicago, IL 60690-0834 312-322-5111 Page 6-7, Paragraphs 7-10: "Banks and Deposit Creation Depository institutions, which for simplicity we will call banks, are different from other financial institutions because they offer checking accounts and make loans by lending checkbook deposits. The deposit creation activity, essentially creating money, affects interest rates because these deposits are part of savings, the source of the supply of credit. Banks create deposits by making loans. Rather than handing cash to borrowers, banks simply increase balances in borrowers' checking accounts. Borrowers can then draw checks to pay for goods and services. This creation of checking accounts through loans is just as much a deposit as one we might make by pushing a ten-dollar bill through the teller's window. With all of the nation's banks able to increase the supply of credit in this fashion, credit could conceivably expand without limit. .., When banks create checkbook deposits, they create money as well as credit since these deposits are part of the money supply." .. " .. I,'. ","_ 0._, ~~- ~ I"~,~"....\;" Two Faces of Debt Federal Reserve Bank of Chicago Public Information Center P. O. Box 834 Chicago, lL 60690-0834 312-322-5111 Page 19, Paragraphs 3-5: "For an individual institution, they arise typically when a depositor brings in currency or checks drawn on other institutions. The depositor's balance rises, but the currency he or she holds or the deposits someone else holds are reduced a corresponding amount. The public's total money supply is not changed. But a depositor's balance also rises when the depository institution extends credit-either by granting a loan to or buying securities from the depositor. In exchange for the note or security, the lending or investing institution credits the depositor's account or gives a check that can be deposited at yet another depository institution. In this case, no one else loses a deposit. The total of currency and checkable deposits-the money supply-is increased. New money has been brought into existence by expansion of depository institution credit. Such newly created funds are in addition to funds that all financial institutions provide in their operations as intermediaries between savers and users of savings. But individual depository institutions cannot expand credit and create deposits without limit. Furthermore, most of the deposits they create are soon transferred to other institutions. A deposit created through lending is a debt that has to be paid on demand of the depositor, just the same as the debt arising from a customer's deposit of checks or currency in a bank." On 10/2/01, I deposited $11,972.67 with NCMIC Finance Corp.. I provided the funds for this account with my deposit. The account number was 5455 8912 0000 2906. I paid fees and interest for this service. ..r;; J_,j '. -<>" "~---' ,- , ,", ".-, ___J (i8~ . NCMIC Finance Corp. paid me nothing for my deposit. Aff~ Y J-j STATE OF PENNSYLVANIA ) ss COUNTY OF CUMBERLAND Subscribed and sworn to before me a notary public this 26 day of November 2001. ~~ Signature of notary [Is] Notarial Seal Sleven B. Worley, Notary Publio East Pennsboro "fwp., Cumberland County My Commission Expires Dec. 10, 2004 Member, Pennsylvllnia Associalion of NOlaries ~ , - -' , l ',",,,- ": ~j . . ... CERTIFICATE OF SERVICE I,Gary J. Leidy, hereby certify that a copy of the foregoing was sent to Plaintiffs attorney :Larry S. Eisman, at :705 Montgomery Ave. PO Box 527 Narberth Pa. 19072, by first class U.S. mail on this 26 day of November, 2001. By:Gary J. Leidy ~; t=- .=s (3/1 ,1,,,.U IlII ,_,_~_,_.,,;-,,- ',~;,'F, "'.il;Mjt\l;i~1l~!Ii\1!!jiill,,jIIt~~~IwiM'.li"'J.1_,~~G.'!~,Iii!]i1lM~ mJJ!.1 1Il!l.J1UL:Ul 'm~llll UJLJ HI _ o c ;~~-~ 2t~ :Q:2~ t;:::c "1~{'"'..., ?;C~ J>c: 7' ~ _., J... ... '" ... (:J- .- -, .-2 ... . . c.,) ~_'r' ~:; ~ ,- -,~ '(Sf?) ::::-1 :iJ .< :.<1 .lO"' >,. , e"' L, IfUi@~: COURT OF COMMON PLEAS, CUMBERLAND COUNTY STATE OF PENNSYLVANIA NCMIC FINANCE CORP. d/b/a/ NFC FINANCE CORP. PLAINTIFF / COUNTER DEFENDANT, v. Case No.: 01-6030-Civil Term GARY J. LEIDY DEFENDANT / COUNTER PLAINTIFF. / ANSWER 1. As to plaintiff first allegation, Count I in the complaint, defendant does not have sufficient information to either admit or deny. 2. As to plaintiff's second allegation in the complaint, defendant does not have sufficient information to either admit or deny. 3. Defendant denies plaintiffs allegation number 3. 4. Defendant denies plaintiff's allegation number 4. 5. Defendant denies plaintiff's allegation number 5. 6. Defendant denies plaintiff's allegation number 6. 7. Defendant denies plaintiff's allegation number 7. 8. Defendant denies plaintiff's allegation number 8. 9. Defendant denies plaintiff's allegation number 9. 10. Defendant denies plaintiff's allegation number 10. 11. Defendant denies plaintiff's allegation number 11. 12. Defendant denies plaintiff's allegation number 12. 1 'I ~-' 1- ~ ' ~"~il As to all allegations not specifically admitted under Count I in the complaint, they are hereby denied. 13. Defendant denies plaintiff's allegation number 13 of Count II incorporated by reference paragraphs 1 - 12, by plaintiff. 14. Defendant denies plaintiff's allegation number 14. 15. Defendant denies plaintiff's allegation number 15. 16. Defendant denies plaintiff allegation number 16. 17. Defendant denies plaintiff's allegation number 17. As to all allegations not specifically admitted under Count II in the complaint, they are hereby denied. 18. Defendant denies plaintiff's allegation number 18 of Count III in the complaint, incorporated by reference, paragraphs 1 -17, by plaintiff. 19. Defendant denies plaintiff's allegation number 19. 20. Defendant denies plaintiff's allegation number 20. 21. Defendant denies plaintiffs allegation number 21. As to all allegations not specifically admitted under Count III in the complaint, they are hereby denied. 22. Defendant denies plaintiff's allegation number 22 of Count IV in the complaint, incorporated by reference, paragraphs 1 - 21, by plaintiff. 23. Defendant admits being the depositor of funds into account; denies remainder. 24. Defendant denies plaintiff's allegation number 24. 25. Defendant denies plaintiffs allegation number 25. 26. Defendant denies plaintiff's allegation number 26. 27. Defendant denies plaintiff's allegation number 27. 2 -? ,...~~" .~ -~ ,_1. , , . I, _ -""'~ of, 28. Defendant denies plaintiff's allegation number 28. As to all allegations not specifically admitted under Count IV in the complaint, they are hereby denied. 29. Defendant demands a jury trial. AFFIRMATIVE DEFENSES PAYMENT On or before the commencement of this action, defendant deposited an amount of money equal to the value of the note with the plaintiff. Plaintiff has not returned this deposit. COMPLAINT FAILS TO STATE A CAUSE OF ACTION The complaint fails to state a cause of action upon which relief can be granted. Plaintiff fails to allege the existence of any loan or basis for the alleged losses. The complaint fails to state the date upon which the purported agreement was commenced or upon which the defendant purportedly submitted an application for a "charge card." The complaint fails to mitigate alleged damages. FAILURE OF CONSIDERATION Plaintiff risked none of its assets in this purported agreement. ACCORD AND SATISFACTION Plaintiff accepted payment on the date of March 2001 as full accord and satisfaction for the purported debt. BREACH OF CONTRACT Defendant provided the funds for the disputed account with a deposit and plaintiff never returned the deposit to the defendant as agreed. OFFSET Defendant is entitled to offset of the purported debt in an amount equal to the credit limit. 3 DATED this 26 day of November, 2001. Gary J. Leidy, Defendant/Counter Plaintiff 40 Queen Ave. Enola, Pa. 17025 (717) 732-2222 4 "-' - lu -"--""\! O^ ,,-- '" ' 0'< _ I .. ;~,,~ ,L ~,_,,"_,~; " COURT OF COMMON PLEAS, CUMBERLAND COUNTY STATE OF PENNSYLVANIA NCMIC FINANCE CORP. d/b/a NFC FINANCE CORP. PLAINTIFF / COUNTER DEFENDANT, v. Case No.: 01-6030-Civil Term GARY J. LEIDY DEFENDANT / COUNTER PLAINTIFF. / COUNTERCLAIM COUNT I - MONEY LENT Counter Plaintiff, Gary J. Leidy sues Counter Defendant, NCMIC Finance Corporation, d/b/a/ NFC Finance Corporation, and alleges: 1. Jurisdiction and venue are proper. 2. This is an action for money lent that does not exceed $25,000.00 excluding interest, costs and attorneys fees. 3. On the date of 10/2/01 Counter Plaintiff deposited $11,972.67 with Counter Defendant. 4. Counter Plaintiff was the depositor in this transaction. 5. Final notice and demand has been for payment and counter defendant has refused to pay. 6. Counter defendant owes counter plaintiff $11,972.67 that is due with interest since 10/2/01, for money lent by counter plaintiff to counter defendant on this date. 7. Counter plaintiff demands a jury trial. WHEREFORE counter plaintiff demands judgment for damages against counter defendant. 5 """ .," j_O" J -~ --, f~ COUNT II - BREACH OF CONTRACT Counter Plaintiff, Gary J. Leidy sues Counter Defendant, NCMIC Finance Corp., and alleges: 8. Jurisdiction and venue are proper. 9. This is an action for breach of contract that does not exceed $25,000.00 excluding interest, costs and attorneys fees. 10. On the date of 10/2/01 Counter Plaintiff entered into a written contract with Counter Defendant, in which Counter Plaintiff sold Counter Defendant a promissory note in the amount of $11 ,972.67. 11. Counter Plaintiff's was the depositor in this transaction. 12. Counter Defendant breached the contract by endorsing the note to itself after it was signed by the Counter Plaintiff and without Counter Plaintiff's knowledge or consent. 13. Counter Defendant owes Counter Plaintiff the value of the note as stated herein. 14. Counter plaintiff demands a jury trial. WHEREFORE Counter Plaintiff demands judgment for damages against Counter Defendant. COUNT III - FRAUD Counter Plaintiff Gary J. Leidy sues Counter Defendant NCMIC Finance Corp. and alleges: 15. Jurisdiction and venue are proper. 16. This is an action for fraud that does not exceed $25,000.00 excluding Interests, costs and attorney fees. At no cost to the plaintiff, plaintiff obtained defendant's money by deceptive business practices. Plaintiff advertised and represented to the defendant that it lent money and would lend money to the defendant upon credit approval. Defendant's application for credit was used to originate the money for the purported credit account and plaintiff lent none of this money to the defendant. Defendant was not aware of the manner in which plaintiff originated =,~ - "~ ~ ,"_L."~,;,~! 6 the money for the purported credit account and had been deceived into believing that the plaintiff would lend the money in the origination of the account. Defendant's deposit has never been returned and plaintiff has consistently taken measures to conceal the accounting records involving the transaction so as to avoid detection. 17. Counter plaintiff demands a jury trial. DATED this 26 day of November, 2001 , G~~ 40 Queen Ave. Enola, Pa. 17025 (717) 732-2222 .-~_.~~ _.~ 7 COURT OF COMMON PLEAS, CUMBERLAND COUNTY STATE OF PENNSYLVANIA NCMIC FINANCE CORP. d/b/a NFC FINANCE CORP. PLAINTIFF / COUNTER DEFENDANT, v. Case No.: 01-6030-Civil Term GARY J. LEIDY DEFENDANT / COUNTER PLAINTIFF. / AFFIDAVIT STATE OF PENNSYLVANIA ) ) ss COUNTY OF CUMBERLAND ) Comes now Gary J. Leidy, the Affiant and solemnly affirm that the statements herein are true and correct in substance and in fact, to wit: 1. On 10/2/01 I deposited $ 11,972.67 with NCMIC Finance Corp., herein called "the organization". 2. I provided the funds for this account with my deposit. 3. The account number was 5455 8912 00002906. 4. I paid fees and interest for this service. 5. The organization paid me nothing for my deposit. /b. \~ Signature .of Affi t II /2-6 /0 I Date I" "-'~&j 'c,. " .- "~; "l$:L~i~e:i 8 STATE OF PENNSYLVANIA ) ) ) 55 COUNTY OF CUMBERLAND Subscribed and sworn to before me a notary public this 26 day of November, 2001. ~------- Signature of Notary [Is] Notarial Seal Steven B. Worley, Notary public East Pennsboro TWp., Cumberland County My Commission expires Dec. 10, 2004 Member, Pennsylvania Association of Notaries ,'" lo '"",~ii 9 CERTIFICATE OF SERVICE I, Gary J. Leidy, hereby certify that a copy of the foregoing was sent to Plaintiff, by first class U.S. mail addressed to: Larry S. Eisman, Esq., at:705 Montgomery Ave., 2nd Floor, PO, Box 527, Narberth, PA 19072, on this 26 day of November, 2001. BY: Gary j. leidy ~q ,_I '",;"',;"c_.,;,.;,;.-,-,=.."",,~ ,="",,~.-,.,...: ~~''-'' ,<>""', ._, ,,~,.< '.', '."", _,,_, "~'"-' ,.!ii..~="""""",.,",~,,,,,,,,",,,,,'"'- 'ii. ,,'>t,t, ~,.~t",,,,,,,,,,,,,~~'''.f'''''__='''''' """,< i,".c-' " ,;.~\i!;.;,''iI~,H''''_'';,""';''-i'K'-do~-h~irl,~\:Iltilli!,,","",~&Jrj-,",,~\jflf;l~'.''''''''- "j'~'~ "-'''-J~'"'''"'~ 0 ..~~'~' ~- _< ,.A , > -' ~" () (:) 0 C 'T'j ;;;:: Z -0 IT-' C.) -(-' !T\ fT' ",r..:: ~ 7 ~,~:" Z r".) - C.) (n~e.: --..l - ~~ ~ , '.--' ~; ~T:~) ):';.,.- ::r_~ z~ Z.,,) ~Ci )>C ~ LJl ::;;1 .r. ~ ,cw .~ t IU !nlllllll j II Illjrrl.IUJUM! J!l!hl'. JILUff:l:Ll,m.IJ.iW;.,. ,J_.~ .. _ ,.~ .'=<"~ _~ ,~-~, ;"'"'''-' u, _~~~_ ,.- ," ; ""' , ~,-'"., '~~i<J'''''',,"~-, - COURT OF COMMON PLEAS, CUMBERLAND COUNTY STATE OF PENNSYLVANIA NCMIC FINANCE CORP. d/b/a NFC FINANCE CORP. PLAINTIFF/COUNTER DEFENDANT. vs. Case No.: 01-6030 Civil Term GARY J. LEIDY DEFENDANT/COUNTER PLAINTIFF. / DEFENDANT'S REQUEST FOR A HEARING TO SHOW CAUSE Comes now the defendant and requests a hearing to show cause as to why plaintiff's complaint should not be stricken as being a sham. The complaint fails to allege money was lent to the defendant yet implies that defendant borrowed money from the plaintiff. WHEREFORE defendant requests a hearing to show cause as to why plaintiff's complaint should not be stricken as per the attached verified motion to strike. DATED this 26 day of November, 2001. Ga~SiZq 40 queen Ave. Enola, Pa. 17025 (717) 732-2222 ." -","""-' ~ ~- ~-,,--; '.- 11!~f.;:,; - COURT OF COMMON PLEAS, CUMBERLAND COUNTY STATE OF PENNSYLVANIA NCMIC FINANCE CORP. d/b/a NFC FINANCE CORP. PLAINTIFF/COUNTER DEFENDANT, vs. Case No.: 01-6030 Civil Term GARY J. LEIDY DEFENDANT/COUNTER PLAINTIFF. / DEFENDANT'S VERIFIED MOTION TO STRIKE COMPLAINT Comes now the defendant and requests an order striking plaintiff's complaint for the reason that the pleading is a sham and is intended solely to misrepresent material facts to the court. The complaint implies that money was lent to the defendant; however, no money was debited from the plaintiff's assets at the time defendant's account was credited or opened. No assets within the control or ownership of the plaintiff were lent to the defendant. The complaint fails to sufficiently allege that money was provided by the plaintiff to the defendant because the source of such money is not identified and the complaint fails to allege that any money was lent. WHEREFORE defendant requests an order striking plaintiff's complaint. DATED this 26 day of November, 2001. , ~f {;;1 40 Queen Ave. Enola, Pa. 17025 (717) 732-2222 - ~ ~ - , , ~ ~, ~ ^", J ---"",j'W;jij ~ - COURT OF COMMON PLEAS, CUMBERLAND COUNTY STATE OF PENNSYLVANIA NCMIC FINANCE CORP. d/b/a/ NFC FINANCE CORP. PLAINTIFF/COUNTER DEFENDANT, vs. Case No.: 01-6030 Civil Term GARY J. LEIDY DEFENDANT/COUNTER PLAINTIFF. / AFFIDAVIT IN SUPPORT OF MOTION TO STRIKE STATE OF PENNSYLVANIA ) ss COUNTY OF CUMBERLAND Comes now Gary J, Leidy and does solemnly affirm that the statements herein are true and correct in substance and in fact, to wit: 1. Plaintiff's complaint fails to allege that money was lent to the defendant. 2. My verified mati an ta strike the camplaint is made in gaod faith and not intended for purposes of delay, harassment 'Or ta unnecessarily increase the costs 'Of litigatian. Si~~~ STATE OF PENNSYLVANIA ) ) ss COUNTY OF CUMBERLAND ) Subscribed and swarn ta before me a notary public this 26 day of Navember, 2001. - --J.~- Signature 'Of Natary [Is] Notarial Seal Steven 8, Worley. Notary Public East Pennsboro Twp., Cumberland County My Commission Expires Dee, 10. 2004 Member. PennsylVania Association of Notaries - ~ - , , 'C ,J . >'~i, .,. COURT OF COMMON PLEAS, CUMBERLAND COUNTUY STATE OF PENNSYLVANIA NCMIC FINANCE CORP. d/b/a NFC FINANCE CORP. PLAINTIFF/COUNTER DEFENDANT, v. Case No.: 01-6030-Civil Term GARY J. LEIDY DEFENDANT/COUNTER PLAINTIFF. / DEFENDANT'S REQUESTS FOR ADMISSION TO THE PLAINTIFF NOTICE IS HEREBY GIVEN to the plaintiff that each of the following requests for admission must either be admitted or denied within the time and in the manner required by the rules, to wit: 1. Plaintiffs complaint fails to allege money was lent to the defendant. 2. Plaintiff did not lend any money to the defendant. 3. Plaintiff cannot identify the account from which any money was lent to the defendant. 4. Plaintiff cannot identify any assets that it may have risked in the account that is the subject of this proceeding. DATED this 26 day of November, 2001. ~~ iz, . Gar)tl.l. Leld 40 Queen Ave. Enola Pa. 17025 , (717) 732-2222 ,",""",F - " ~ .0 l-,., '- ";1 CERTIFICATE OF SERVICE I, Gary J. Leidy, hereby certify that a copy of the foregoing was mailed to plaintiff's attorney: Larry S. Eisman, Esq., by first class U.S. mail to: 705 Montgomery Ave., 2nd floor, PO. Box 527, Narberth, PA 19072, on this 26 day of November, 2001. By: Gary J. Leidy ~J0 :~ r,-- ,ttI/ !~'!d1LUI!llIIIlU 11_ ,~,.,-_,o,_j",-,-".,.U:.t","",,~i!~!eil,i,1l:JM~Ii&51t~l\til~ 11-~~~d~I.U;:JfJ 1 ,,~,~~ _ ~,~ >0 _ ~," _"~_",-"~",, "_;>,-0-7,'" ~<, ~~~,',_~ ~~ "..fr ~ ~_~ ,~__< - -~, ",~,' ~ ~'C_,_ 4lii'l1Ji1l.M C) [::: ~..$- ~':.J{1'~ ~[fi ;!j;_.n 0r:: ;:::;;Jf 2fi t."~' >c- ~C.J J;.." ) ~ ~ - rflill-r- :!Wi . . Q :;e: C:) "....-:: t'\:> ~;,) Jj ,-,- , '; ~ -->-, .j:;;~ ::t: r":"~ i '(---.,' >~::-'E: ..:-'.-:;-~~' ;~~f/;l V :'0' '" - - -. ;J1 .".... ~~-~ " ~~- :::,~,~~,:; "" .< 'March 20, 2002 lse\reply-nm Larry S. Eisman, Esquire ID #19738 705 Montgomery Ave., 2nd Floor Narberth, PA 19072 610 664 1999 Attorney for Plaintiff NCMIC Finance Corporation, dba NFC Finance Corporation v. Court of Common Pleas Cumberland County. 01 6030 civil Term Gary J. Leidy Reply to New Matter & Answer to Counterclaim Affi~ative Defenses Payment Denied. To the contrary, defendant has not "deposited" any sums with plaintiff. Defendant is not entitled to a return on this non-existent deposit. Complaint Fails to State A Cause of Action Denied. Plaintiff extended credit to defendant. Defendant took advantage of the extension of credit. Defendant failed to repay the balance due. Plaintiff has stated a cause of action. Failure of Consideration Denied. The allegation is irrelevant and, in fact, vendors doing business with defendant have been paid for those charges made by defendant. Plaintiff has not been paid by defendant. Accord & Satisfaction .. :~--i.;.:;,;,:;;':;~~ I ,-.....~~"'~} ... . Denied. Defendant did not make a payment in March 2001. Even if a payment was made, which it was not, and strict proof of such payment is demanded, it was not accepted as full payment. Breach of Contract Denied. Defendant never provided a deposit hence he is not entitled to a return of the deposit. Offset Denied. Defendant is not entitled to an offset for any reason other than payments received by plaintiff. All payments have been credited. Wherefore plaintiff prays this Honorable Court to enter a judgment against defendant in the amount prayed for in the Complaint. Answer to Counterclaim 1. Admitted. 2. Denied. This is an action for an extension of credit, which credit was utilized by defendant for his personal benefit. 3. Denied. Defendant never made a deposit with plaintiff. Plaintiff is not a depository and does not have any depository accounts. 4. Denied. Defendant never made a deposit with plaintiff. Plaintiff is not a depository and does not have any depository accounts. 5. Admitted in part. Denied in part. It is admitted that defendant has made demand for payment. It is admitted that plaintiff has refused to make a payment to defendant. It is denied that defendant is entitled to any such t: - - I~~~I~ .- payment from plaintiff. 6. Denied. Defendant is not entitled to any payment from plaintiff. 7. Denied. This case is an Arbitration matter and a request for a jury trial is contra the Pennsylvania Rules of Civil Procedure. Wherefore plaintiff prays this Honorable Court to enter a judgment against defendant in the amount prayed for in the Complaint. 8. Admitted. 9. Admitted. 10. Denied. Plaintiff never sold a Promissory Note to defendant, nor did defendant purchase such a note from plaintiff. 11. Denied. Plaintiff is not a depository. Defendant does not have a deposit account with defendant. 12. Denied. The "note" defendant refers to does not exist, there was no endorsement and no breach of contract. 13. Denied. The "note" defendant refers to does not exist, there was no endorsement and no breach of contract. 14. Denied. This case is an Arbitration matter and a request for a jury trial is contra the Pennsylvania Rules of Civil Procedure. Wherefore plaintiff prays this Honorable Court to enter a judgment against defendant in the amount prayed for in the Complaint. ~ ~-~- '. .' ~ , ," ~;.J",""l 'ih--.dt"j .0;1> ' 15. Admitted. 16. Admitted in part. Denied in part. It is admitted that this action does not exceed $25,000.00. It is denied that plaintiff committed fraud. The only fraud in this matter was committed by defendant. Plaintiff denies it is or ever was involved in a deceptive business practice. Defendant never deposited any money with plaintiff. Defendant is very confused. 17. Denied. This case is an Arbitration matter and a request for a jury trial is contra the Pennsylvania Rules of Civil Procedure. Wherefore plaintiff prays this Honorable Court to enter a judgment against defendant in the amount prayed for in the Complaint. Respectfully submitted, ~ Larry S. Eisman, Esquire Attorney for Plaintiff '::.. M" -,-",._~,4,,;",J,..:.,~L~;f, . -. . 'March 20, 2002 LSE:bf lse\certserv.frm Larry S. Eisman, Esquire #19738 PO Box 527 Narberth, PA 19072 610 664 1999 Attorney for Plaintiff NCMIC Finance Corporation, dba NFC Finance Corporation Court of Common Pleas Cumberland County 01 6030 civil Term v. Gary J. Leidy Certificate of Service I did, on March 20, 2002 send a true and correct copy of Plaintiff's REply to New Matter & Answer to Counterclaim as follows: Gary Leidy 40 Queen Ave. Enola, PA 17025 The Statements made herein are made subject to the penalties of 18 Pa. C.S. 4904 relating to unsworn falsification to authorities. ~ Larry S. 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