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Home My WebLink About99-01955 ". IN THE COURT OF COMMON PLEAS OF CUMnEIlLAND COUNTY PENNSYLVANIA PROVIDIAN NATIONAL BANK NO.1 000.1 066 IN CIVIL ACTION .vs. Plaintiff(s} BARBARA J. GRIPPIN Defendant(s} BRIEF IN SUPPORT OF SUMMARY JUDGMENT FACTS Defendant applicd, for and was grant cd a cash auvallce alld crcdit accoullt by thc Plaintiff. Thereafter Defendant received and negotiatcd thc cash advance check which she received and thereby activated the credit account. Defendant subscquently failcd to make required monthly payments as they fell due, Plaintiff then institutcd this suit, Defendant responded to Plaintiff's Complaint by filing an Answcr which admittcd that she was granted a credit account by Plaintiff, and which admittcd that shc rcccivcd and acccpted a cash advance check from Plaintiff, Defendant's responsivc plcading, othcrwise, consisted of "general" denials, and demands for and accounting and proof of thc c1aimcd amount due. Following the close of pleadings, Plaintiff's attorncys servcu thc Defendant with Requests for Admissions seeking to cstablish the facts upon which Plaintiff's claim was predicated. The Defendant did not answer the requests. 1 ARGUMENT In this case, I'laintifr's entil.lement to Snmmary .lnd/lml'nt stems frnmthc o(",ration of I'll. H.C.P, No. 4014, which details the method of, llllll n"luiwlllents for, II p/llty's response to Ilcqllcsls For Admissions. The well established purpose of I'/l, ILC.I'. No. -10 1-) is to darify issncs raised in prior pleadings with the goal of expediting the Iiti/llltion proCI'SS. COllllllonlOfIl/th of Pennsylvania vs. Diamond Shamrock Chemical Company, as I'll. Cmwlth. 89, :l!Jl A.2d laaa (1978), Pa. R.C.P. No, 4014(b) provides: "(b) Each mallerof which Illllldmission is requested s/rall be separately set forth. The matter is admitted unless, within thirty days after service of the request, or within such shortel' or longer time as the court may allow, the party to whom the request is directed serves upon the party requesting the admission an answer verified by the party or an objection, signed by the party or by his attorney"," Under the above-referenced rule, it has been consistently held that a party on which requests for admissions are served runs the risk that the facts as set forth in the request will be conclusively binding on him if he chooses not to file an answer or file objections to the request. Innovate, Inc. vs. United Parcel SCI'uice, Inc., 275 l'a.Super. 27(;, .II~ :\.2<1 72U (1980); Richard T, Byrnes Co., Inc, vs. Buss Automation, Inc., 415 Pa, Super. 549, 609 A.2d 1360 (1992), Generally, failure to respond to a request for admissions deems the facts contained within the request, admitted by the party from who the admission was sought. !d., 609 A.2d at 1367; Diamond, 391 A,2d at 1336. The granting of Summary Judgment where an opposing party fails to anslVer requests for admissions is expressly sanctioned by Pennsylvania's case law, In Innovatc, 418 A.2d 720, the court noted that Pennsylvania's practice under procedural Rule 401-1 followed federal practice, and cited Creedon v. Howle, 8 F,D.R. 92, D.C., N.D. (1948) as a parallel instance of where the federal courts entered Summary Judgment based upon a failure to respond to Requests for Admissions. Yet another instance where decisional law directly supported the entry of Summary Judgment based upon unanswered requests for admissions is found in the Diamond case. 391 A.2d at 1337, 2 By \'irllJ(' or lilt! CllS('~ dlf.d nho\'f', 1'111(1 tll(' nHltrollifll~ plo\,i..;joll'l or t Ill' I 1.'III1'.\'I\'ilflilt 11111". of ('ivill'ru....duw. the faet. ""lIt"ill,.d ill till' fl''1u,..I. for aclllli..iou. (lI'O(lOIIll,h'd 1>)' III.. I'llIilltilf. 11111.1 \", d..ellted admitted, Th" faet" coulaiu,'c1 ill llll' fl''1u,..I. for adllli..ioll. ,..I/IIIIi.I, II", Iinl>ilily of II", Jl('f"llllalll, allllt.l... dallll'I\(" I IIal I'lailllilf ."Irf'....d It" a 1'('",,11. The followillg facls Me contain"d iu th" rc'lu,'st.s for' "c1l11issions ""d ".I"illi." Defendant'. liability, and th" damages suffered by the I'I"intilf: n. that document attached to Plaintiff'. Com(llaint as Exhihit """is a genlline and accllrate copy of Account Agreement reudered 10 lJefend"nt hy Plaintiff: that document. attached to said requests as AUachmeuI "I" Were genuine and accurate copies of monthly statements rendered to Defend"nt hy Plaintiff; that certain cited provisions provided for acceleration of entire balance upon Defendant's default; Defendant failed to make payments as the became due causing her to be in default; that the balance due and owing Plaintiff as reflected on the statements amounts to $9,070,98; the interest rate on the account is 19.80% per year on the halance due from October 29, 1998; the Defendant received Statements of Account, on a monthly basi.; that under the terms of the Agreement, the Defendant agreed to pay the Plaintiff as liquidated damages, the costs of collection, including all attorneys' fees; that the document which had been attached to the requests as Attachment "2" was a genuine and accurate copy of an agreement which has been entered into between Plaintiff and its counsel; and That the Agreement between the Plaintiff and its counsel provide for the payment of 33 1/3% of the amount of collection for legal services rendered in connection with Plaintiff's accounts. b. c. d. e. f. g. h. i. j. The touchstone as to whether Summary Judgmeut is appropriate is whethel' or not there are any genuine issues of material fact remaining in the case. Byrnes, G09 A.2d at 1364. In the instant case, Plaintiff IVould posit that there arc none, insofar as eacll necessary 3 COMPLAINT 1. Plaintiff ia a National Banking Aaaociation located in Tilton, Ncw Hampshire. Aa of January 1, 1998, Providian National Bank waa mcrgcd into Firat Dcposit National Bank, and the reaulting cntity took the name Providian National Bank." The account that is the aubject of this lawauit may have been either a Firat Deposit National Bank account or a Providian National Bank account prior to thc merger, but is now an account of the ncw" Providian National Bank, which is thc plaintiff hcrein, 2, Defendant is an individual whose address is 822 Doubling Gap Road, Newville, Cumberland County, PA 17241. 3. At a specific instance, the Defendant applied for and was granted credit by the Plaintiff at the terms and conditions agreed upon by the parties, as is more specifically shown by the Account Agreemcnt, a true and correct copy of which is attached hereto, marked Exhibit A" and made a part hereof. 4, Defendant made purchases and/or received cash advances using said credit. 5. Plaintiff avers that the terms of the Agreemcnt provide for acceleration of the entire balance due and owing upon Defendant's breach of the Agreement. 6. Thereafter, in breach of obligations under the Agreement, the Defendant failed to make payments as they became due. 7. Plaintiff avers that the balance due amounts to $9,070.98. 8. Plaintiff avers that interest has accrued at the rate of 19,80% per annum on the balance due from October 29, 1998, 9, Per the terms of the agreement, the Defendant has agreed to pay to the Plaintiff as liquidated damages, the costs of collection, including all reasonable attorneys' fees incurred in the collection of monies owing. 3 :J~)I~ PROV I DIAN 111I.11I",,, I',. '....~,t'f r 1.1!"'tt.llll.ll'~ VISAr or Mnl.'C.uH' /.,' '..,lll '\'.'."llllrj\,!I'~"'tf.,,!! '11.d Iq I' ".f'" "",y,,, ""'. "", '''M'''''' ''''''''~1 ".11", '" ,".", '" ".."" ",.,. ''''". f.." ",' f",,,~,,...,,,. '", ".." "" ." '''I.' ''', .." """" ", "."" ,,, " .^ 'd," ,,,..'H,,..,,,, "~"'."""I'I It~ ."""",.",...c ''',,', ""." '"'''''' " "'"..".." V",", d.", ".",,,., ",,,,' , . ,.'......., ,', "",,,' ,," "'.' ,,' ,.."", '",,,,.,, ''', ,"." "",. ,,",' I""~",,,,,,,,,,,,,,,,,.,,,..,,, '""" """"",, ',I.,,,,,,,,, ''0,,,,,,,,,,, ".... "'" ""''''''''.'', ." ,., '"'......,,' """, I" ",' '" "" "1"'.""" 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Y.u, ",d" p'''''egos. 01"., ,.",,10' OJ "0' "now 'he C.,d. '0" ..., 110 'un'l'" ."!,, ,"ock,.o ,OI" '"'''''' "',,' '''" """,,, """"" .n, u"""d choc',,, """ ,con'" '0 ,0" P,,,o.,,,.rorm."o.: oO'U"''''', V"u w,1I p'""" '" """"'10 II", no,,,. ,I ,on """".. ,0'11 ""m" hom, '" "''''''''1 "01"", '0101.100". ""..t,,,, 'mp'o'/II""'" "''''''' UNn 01" ,""'..", 'OU .,11 p,,,,,'de '" .ckI"o".' ""a"",' '"''''''',,',,'' W" '"'''''' "", n,h"" 00'''''' ''''OIm"'",, "',m oil..." ,oc'''''''''I ".",: "N""'1 ""''''''', n"d 10 P'"'''~ ,OUl""", ."" ",Imm,"o" abou' 'OUl '"oun' '0 ""." \'i"1!1<!Y.m~'!JLi."lQ!"''''!o''-''!!b.QnL'ffi!'''" t!<""'''l.yo!'m'Y.l'i!!ltlo,YS,~l'OYJ'",.QJM!ljJflli)!l!Jlli'!J2,,'''lli>''gd!'-'''I9!!!!,tOOD "UL~"Ar!hnl"_ II ,ou do nol fulf,1I you, oblrg<1rrons unrjef lIlIs Agreement, a nr>~l;jhve crt'vjl1 fr>flO/r IIlat m"'II('n~1 Oil Y011l r.rplM m"v ~/(' ~llt'mll1!'d j'llt!'.! c/roil! rr>roltill'J <l~I~r1f:I{'~ Cuslomer S'IV/CO: U",ulho"led Use. Loss, or T",ft 01 Chock, 0' I", C.ud. 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",., ~"7f ('".:".'1' "..,....;:.":<""1 Jl, "'. _ ..__ slolt>n Y('lll w,11 r~l)!llp"y 1"'~lr(" illI (t~ ~": III 'lOll' [.''''.I'~''W.n I (I IIllr~"~" flj'.T, ~ll'>' ';('1\1(1' ,1r,d -,1'<"1,111, ~"'I ~'l'N'llj.11 V'~l' , ;111<; 111.11' 1(1 n".n 'if'l (~ll...(",)~t M.rch.lnt R.I,llonl. WI' ...01111"1 t.~ ktoll. lI,m... ~,(l/<;W(of A'II,'IIl"''''ll..",,, ',I:l'hrT(> rr'w.{v. t.,1.4~o/ n...c",-I.. .Jr' ",1 {1I11 rf'NJr, IJ 1..,1', r"'rlUlfll1ofl\:.lI,'I" Y'.j W,.!.,'tv..,.., IMpt)n~t'My tor ,;......"..1'. rllloI ~rtVlf M r~"rt~"'-,"'I"'IIII If.,.. r-ahl.., cl~'1 h N( .,.1 "11""ltlf~' t'Y 1.,-/1' l:;f'f' ~:1"'(1,,11:1j!1' I~.~,.... ) 1 ~"I!",., 1.,,~,'t1.; tI',ll :Ill' :l/;llllfj.. '11.111 n.. ^", .,,,, ;l"'l""v~~"l to, 1l,,,,11~1I1y ...rr>>)f~ W" atllllul....,'."I\~.It.I"III.... ')1/;'111.,. .1V.III,WoM" ,., '.....IIII~, "I .I'r, (., n". ','>'lIlf f". 'I' 'II dw.,'p I.. 0':" Slop P'yment Orders. II V''IJ lIiIIl~.h I'! ',1, f' l~ll'rn"'l!l, ~l ,1 dt4\o..~ ~"H !Wf, -:"1"1 II' .1 ':! l' 1';'lfll(>ld "I'y., 1,1' "'1I1'1~1' 'U'. ,II, ~j' :I'u........ I-~ Ill' I,."... ",..v~ ,. !,-I,..I '~II""J/ '.I."","If'f.1 y,", rill! m..~,E' a ~llflPifl'm""ll fJl'"'' ,..,.:1" t-r I ,tll~I<III""lIlJlllt"1 11-,1...J (~l Y'~ll ",1.1!"IIII'''' WI""I ';"Illf\t~.' ,I',! f' "..,fl"'''', ,I'~'I ., "1 lillI',' ,..' ..."~, tOll 1"" .~'I 1~I'rol"", ;tl,I' {....II. 11,1, ~II\"IIOI' Olt.~llll... dll'f,k It", ("")(11""'~111l n~. ,ill.. HI II... d"... 11M' 11-111'" 1,1 I''''' ",Il!V !.. ...r" "1111"" I 1',I'"lt-I" II.' 11,1'11" ,.1 !'''',''I '., ,,1,., . "11""1111'0-1 U~" 1., ~ 1I11ff,ll1 t... "'," 1.'., ,I ,~Il", ,~,I~m ilU (~;!l ~lrfll,,'lym('n' 0Id1', III ""'II"~1 IN,: fll.'" ')'.I~'!J"I\J ~W'.' ~ill. '.~.Jo.~ II .....~. 'j: 11<.11'" l'f..f~ " :;1')'1" I "'lliI"Il( '}III'flll,I!"~) .,,,!,,... I...." ....."..,'; ill1.," 1I~' ,,~,.I'~'~1 .. II ",.. I~h' " I ft',I'!',., I i1't ..........nll. <10<;0'111011 (Jf!t1P II~rn ~.o II~JI 1';1',111"'11 f,ll1 tit' :.I,U.....J t,... nf'Io,/ ...'" r~II.' ""''111... d II...' I I.." ~ "',1'; 1",,,11,1' 11', I.",~" """ kt.I;1 H',""'fLIlo1.. 'U'Ahllld,. I" ,..II-'flU", ."...., WI',n"..' *llhoul k.1LttdV dr;1(\l}llda Wldl"lI ~l'.f' 1',J,111.",IIJl,j,'1 ".r1/n,-(11lr:; .llll'l .('(('fI.t url~"'. ,I.'; ,..,.1'''''....1.11 'illl~,ro" Slandard of Care, ~'it(J","'II,r: ^1(()llnlll1\/(>Nf'~ I..,ltl rr....~t r;lf.! fill' I rllf'< ~ 11.111'..1' 1~',Il', ""!Ir' I, ,\fl' "I'" ,"...',1 H" "1,;1, -''f'.I':'''' fl,"'" ~I;l! ',,',I"'1I'.1~.!.t"II"" h.", ,l'I~.H', af/' 1'~J........titIPfJ t.y Ir: andt~au,>e Itol t___Cf'l rlil!'J .1I1<1I;;I"j ~.11' Will t(. ~f'I.IIIIIl" !r;III";I'I..,Il', III '~'~Jl ^, H"Hil 'lid! ,-, I~'_ ,.......01 111'" 1.. "III; iI,n" 'II' ('11I1""...... ;lIlr,. 1I.~.'.t'''II.ll.~'.,~ II."" f ~ll I.. of .......II1(j ...{':I"1ll '11'111 C.ll1 OUI al1enhon 10 ("llilln 1'''I'll'; ""t.~.tl we WIIII'(,!!l\IIIf' W" ""II "',1'1111'" '1IIIiiU1"., f,. ,W 1<""" 1',_,(1 "1-11 n,.II', '1O1 (.,,1 "I . t".,-~_., 11"'if.t"l'lI ~,',1 'of ',1, ,1"11 ~'il' f.. l~ '1IlII"r~1 '~''''I.'l''1y If) etaml~l ClU IIf'm~. and we 11'<:11 !Y" I.of' 1\...'1'"1'.11111..... .., n.,1 '.' ',n 1111: III',. ,".I.tI I...."... It." '.I.I'I,lll'l 1,1 "1'1"11'1' I .I'f' ....1", It "'.. III (1'''.1 f.t.11i ....,It 1"""1',1' III ,1Irnor\l';IIItI~J V(~ll /\1 lounl r"'ca(~IO 010111 Ilmllt'(j 'pv~w, ,1rlfl t""'illl"" ""Ill,,'. '{PilI r.Itlf.I'i1,"11 I".. ~ c, I~.I (.,II'III.!I,'". 11, "1 '1,1'" wlill.. 10'1'111",,1 f'"I' "J ",'IJIII". I'" '1,1!it~ '.1.11"'""111 ';"'I',f...H I~' f ."...I'JI I" 1'111"1 nil f lot.. ~ -: lIt '1'M}! check tCl'JrSlel 01 olhNWl~" .""" il""I.I,10I1I1"1l1 '1, '"I ',11"111<1 ,11'... ".I~" V'~II I ".,j,! , ,,',j, ;.. h 'I !Jl'~' ,. ,1" II'W'I.,l ." .:'1' 'h~j ,1:)1.... I,) d~' "I"~ll !tI,~.!I,ly '.,I.II','lIu'''I! it'J-1'1I<;IYl(JfrC'CI,tlJ.itlllJ. 1Qj)Qht.i..y~.!f!!l!!cliJrrli_~U,f.l1.J1I'lilIJ~~fI!I~'t ;,r,111.'il~II\,":'1," {'II'.'I'. Waiver 0' Certain Rights, Wf!' mJy IIp!,.1', nf Will'l{' ('IIIOfCf'IIl"'11 IiI illl'I' P'JVI",II'I! olllw, ^'I"....nll'1I1 ""1!lleul k"',jl~lllj '~I'll kl"lll')lr" II IIf ,lilY (,n""f I' .~I',~~1 Llh" You ...1...." III(' "gllllo presenlmenl, lX>mand prolMI 01 n011/''' ul dl,;llllflf)r nuy arf~l(itl,I,. :.!.t!lll" 01 hUIII.I!I""" ,111" illly I<<llil yrJIF may 1i;!,,1' In ""N""'" '0 Ill(,(f"<~J,l<nlll~,1 auy..~1I' 1....1(~E' w,. 1114. !;'MIIl(~ll1d YOIJ Appllctlblelaw; Severability; AssIgnment. tl<) m.111('1 MI"'''' YOIlI!v'" till', fo(II/'l'II1I'I1! ;1lIr! YC'llr ^,r"fml.ll1~ '1"1/"",...11,1' I..,lo'I:III;I.,.. iJI~Jt'Y III'w H.lfqdlll" L1>N IIII'. ^Q'N>lllPfll r. It IIrl.11 etJ'tfe5sron 01111(' aglN'lII(!nl bplwE'fln you illllll/~, <1I~1 moly "')1 t~. {.(JI\II,I'Ju:I'~1 toy N~"'nr.I' 101 allY olll'~If'iII",11 ."I''''''lIIl'fll II illl'I' t,h"'I~I"n 1,1 11'1", /011'....1111'111 1'", II"I<J 11)l>f' flll/itld 1>1 UI)('IlffJlf"ilt)/lo yoo and we '11'111 COO!;KJer 1I~11 prO'J~lI)n mcdllf'd Iv "JflffJIlll 10 oll'f,Ilf.:lhlt> law awl lh~~ I...,' 01 Iii.. r""VI~I'lW; In It". ^f1""'lIlf'III .....111 0;1111 tM;' "nf'~r(';'lU(' AI.1I1Y IIm~ anN 'II~ d(>tt'imlll(lIt1Q')I)'J fallh lh.ll any propost'd Of ena<.:IPd k>ql,;Llli(l1l IP1JlllalO1Y llel..."" (ll II~hrr.II'-"'CI"If"ll:a~, ''''''')'Ird '" m:I,' If'n'~"r arl'l rn,l!"Il,JII~''''''lw,n': 1111114'. ^iJ'I'f"'I('lllIIIVol!"IOI 'Inf'llf(>lClO,lIJp 01 rmrwr.,. fillY IIl(ICa~(!lj lolll rCflOlllng If'qIlllemenl (lI ....IIIP' h'I/I"'1I111 ("'IIII'<:I>"n ....1111 Iln'i ~,lirll f'"...,,'.!IIH (,f It~. I'1I'i"rPIIIHtl ....." 11I:.1' ;ll!"1 all~w;l 30 ,1:ly". I~,Il("" I.. Y'~l (fI w,IIt<lUI nohl (' If I"4'ltnlllcd hy L1....., cancel tllP. Card and YOUI e'N.1 r'r..-I"''11''~ Wf> 111:1'1' h.ll1'.lrr 1.'1 a':~.lqfll'lJI nll.1 It, ;111 ('f ';,)I!;., "f 1"'11I1';",1110'111'; If ',Iat.' 1,I'iI IP<j'J!I("; 11"" YIH/lfff'!VPlt(l/fi(>(I'':U<'lI;\II E'IIpnf f" 1",0'(1('1 IIIP plllc/ra$el Of 8S~"ltlf'(> WP 11I:1'1 WIi(> YUH 'iudl tlfll((f' by Mtllq if flll.1nrll1lj ".f,III>IIII'nt Will, 11.(. ';I;I!'''~, :;""I"I:uy (,f :;L1I., Nollcos, OltICIIIOk~ 10 yl)u !;II:JU t,... "lIf>(t!VI' whl'1l d'1'-l'::rIl'd III 111(> 11I;111 ol'~~f".':l'd I" Yf'U ;It tlr.' ;l'H(";~. ~,h',''''''' "11 "tJI I(>""d~. lJlll"-:~" 10nq"r 11I'!I'~ f'l'llO<t I': ~r~,flf"lltll"r; IIQII;>('IIICI1I 01 by law, whlr.h peflod sh.111 slarlupQn nlilllllKl H')lIce 10 u, ~hall tl(' nl:JI!'''J!O l.'lH il'Bu',,:: fUI (1I',;lnlll"', :;f'IW;p 011 y('tH <;lill'>!n('1l1 ('.II nUIl'r .."HI'~:;es \\Ie 1I1.1y <:Jl('CllyJ and !ollan he f'lfe<:hve whm WetccefVe.t . YOUR BILLING RIGHTS -J<EEP THIS NOTICE FOR FUTURE USE. ftll'; l1(Awl' I.nl1l.,rn:; IInr<lll;mllllfQln'-"I'1Il ill"'ul YrJlllllqllls :11111 'JUI l~rA.n~IMlfI'~ 1/11''''1 1111' rolll r.'{'I~t l\t1trlQ At! Notify Us In Can of EnotS or Ouestlon, /lbollt YOllr BI/I If Y0U UHn~ yOIll till J', 'I/r' "'1 (1'11 vl.u Ili'l'd 11I\'ft.. Irlf011f1ol!i(,n nto){lt nny trnll~,)Ih(,lnljll yClU/ t~1I wItte I/'>. 01111 ':;<1".,rallO ~h('(ll. f1ddfe5$ for cuslomer smv!C(' ltslf'ij Oil your bill Wflte 10 u"; a,,; ~C>(\II a~, pr'':;5Iblf' We rnu~,llle.11 horn Y')IJ n,) lal...t Ulilll fiO dol';!: all..r .....e ,:;elll'(oll Ill<' I,'~,I bit 011 will'" U~ f111f)1 (.>I pI(IJlelO aweared You car'lelephonc U5, loul (jo)lIlg ~o WIll nol plp,-;('rl/E! Y('u! r~llll$ 111 VO'lIlel!('I. 911/P U~ 1IIe lolk'wlnlllllt,lm,lIIIJIl . Your n<lmp alldMr.oUl,lllumtJf'r lire Wllal amQunl of Ihe suspecled CIIOI .. DesCllbe lite (>"01 and cllplaln, II you cnn wlty YOll hPhev(I t1lt'le I:; ill! ClIlll 11'1011 rleC'd lIIore lIIf0rltlahon ooscllbc lilt' Item YOIl are III:JI sUle About Your Rights and Our Rtspons/bfIJIJes Alter We Rectlvt Your Wtltten Notice Wf! mtJ~1 nckr1(owl('(~.l~ 1Vur lelter wllhln 30 d<lYs, lH1I~"5....e hav~ corlrcl('lj lhc eltOl bV U"-!n Wllh,n 90 dIY'., we musl etlher cOIrecllhe ertOl Ot e~plaln why we beheve 1I1e bIll was cOllecl Mr~1 we 'C((>lve your r(!Il~1 ......e timnol IIY 10 r:ollecl any antounl you ,\UC';1ron. or It'f':'Il you <1-.; tJt!11n'JlJ~nl We can contInue 10 bill you for Ihe amOUnl you queslron, Includmg fmance chatg~s. and we call apJ:lIV ;my Ullpolld amounl aqJlnsl youI rrNJltllll~ YOIl 00 not hMe lopaV an'i queslt0f!ed alllounl wlflkI we ale InveslIgalmg. bul you flfe stili obllgaled 10 pay the J:la:!:; 01 YOUI l'I!llhal illt'I10l'll CltJCo::lrOIl Hwe flOd lh;ll we made a mlslake on youl bill. you will nol hMe 10 pav anv fllliUlte r;hargc retaled 10 :my '!u'.'::hulled olmounl If we dldn'l l11j\~e a 1II1::1j\~,~, you ma,; have 10 pay flnal!C(! charges, and you WIll have 10 make up lhe ml~5ed paymenls on the qucshor.ed amOllnl In f'llher ca?,e we Will scnd Y'~IJ a ~Iolrem('nl of 11i(' amount YOll owe 1IIId Ihe tillc Ihal II IS due If you f,lll b PilY lhe amounl we thInk you C1Ne. we may lepoll you as delinquent However, If our e)~lanatlon does not sah:;~1 you (Jod yOll wrl!e I,) us Wllhln lOd.lY~ lelling us lh.l1 you sllll refuse 10 ray, we musllell anyone we lepotl you 10 Ihal you queslron your bIll And. we mustl!'11 you the name of anyone we rl'j:lOlled 'Iou 10 We mll::ltpll anVone we rcroll you to llral Ihe malle. tl<lS ret>n !;cllled bclween us when II fmally IS It we don'llollow Ihese fules. we can't collecllhe filst $~Jl) of Ihp questioned allloulIl. evelllf your blll"",l~ Cotr('cl SptcJsl Rule lor Credit Card Purchases. If you Ilave i\ problem WIth tile., .,,,1,/ 01 the plop<'rly 01 smVlces fllfll you putctlilSe-j wllh our tf('(M Cilld andyolJ Itave llred In good falllllo cO/'ecllhe ptoblem wllh lhe merchanl, you may nol have 10 pay the remaining amount dUr! on lire good'; or services Tllerc flle Iwo IIITllt.1tlOns 0111111:; flghl (a) you must have made Ihe pwchil~e In your home stale, Ot If nol wllhln your home state. wllllln 100 rlllles ofvour cunent millrlflg address. and (h) Ihe PlJIChfl')[> r'J<::(> mllst have Leen mOl!' Ihan S'iO II,t'5e 11I",larlon~ do nt'1I flrrly.f we own 01 operale lhe merchanl, or If wemalledyolltheawe.lr::emenlloflhepropellyolservlr.es VERIFICATION I, DarIa Antone, ofProvidian National Bank. Plaintiff herein, verify that the statements of fact contained in the foregoing Pleading are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S, 4904, relating to unsworn falsification to authorities. ({JCuEt ~/'v1...Q. Date Affiant - DarIa Antone Title - Designated Agent Address -P.O. Box 9053 Pleasanton, CA, 94566 >- \D ~'6\~ ~ ~ ,- ~ ~S .. '::J o..:::::t- ~ c;:O :c h~ !.L.r" ()~ ~ 9 .. a.. n ~~ Cl~ tn r--- ~ wa.. I :3- EEL" ~ r\\ -,' 0:: ffiC5 V<> """ ~ F==- a.. ...... .;>: (0 + ~ en :::;;l>. ~ U\ 8 '^ l'---> \~ ~ j 0)'1 ~ ; WE HEREBY CERTIFY THE WiTHIN TO BE A TRUE ~~I~~~RR.ECTCOP~YO/.THE ORIGINAL FILED IN 'v~ BY . . AnO~YS FOR: . , .,.,..,(",..~:;,..,~'~ , ,,' APP~E AND APPLE Attorneys at Law <&50 BAUM BOULEVARD PITTSSURGH. PENNSYLVANIA 1521. TELEPHONE: ("2) 082.".8 ""'~M/ ; \ ..... , IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA PROVIDIAN NATIONAL BANK NO. 9Q.-/tf6t-" ~ IN CIVIL ACTION -"B. Plainliff(B) BARBARA J. GRIPPIN Delendanl(B) COMPLAINT CODE. FILED ON BEHALF OF PLAINTIFF COUNSEL OF RECORD FOR THIS PARTY: TRUE (.,()py FAOW RECORD In T ast1lnoDy wIlenlof. I here unto IlII ray IlIIlll Mld t'lf . of sa d at Car1lsll, PJ. ~ f hi ~ 1a..rL.. James R. Apple, Esq. PA I.D, No. 37942 Charles F. Bennett, Esq. PA I.D, No, 30541 Joel E, Hausman, Esq, PA I.D. No. 42096 Marylouise Wagner, Esq, PA I.D. No. 61095 APPLE AND APPLE, P.C. Firm No. 719 4650 BaUffi Boulevard Pittsburgh, PA 15213-1Zl7 Telephone (412) 682-1466 Fax (412) 682-3138 ..._..._._.~ COMPLAINT 1. Pla.intiff is a National Banking ASllOciation located in Tilton, New Hampshire. As of January 1, 1998, Providian National Bank was merged into First Deposit National Bank, and the resulting entity took the name Providian National Bank." The account that Is the subject of this lawsuit may have been either a First Deposit National Bank account or a Providian National Bank account prior to the merger, but is now an account of the newn Providian National Bank, which is the plaintiff herein. 2. Defendant is an individual whose address is 822 Doubling Gap Road, Newville, Cumberland County, PA 17241. 3. At a specific instance, the Defendant applied for and was granted credit by the Plaintiff at the terms and conditions agreed upon by the parties, as is more specifically shown by the Account Agreement, a true and correct copy of which is attached hereto, marked Exhibit A" and made a part hereof. 4. Defendant made purchases and/or received cash advances using said credit. 5, Plaintiff avers that the terms of the Agreement provide for acceleration of the entire balance due and owing upon Defendant's breach of the Agreement. 6. Thereafter, in breach of obligations under the Agreement, the Defendant failed to make payments as they became due. 7. Plaintiff avers that the balance due amounts to $9,070.98. 8. Plaintiff avers that interest has accrued at the rate of 19.80% per annum on the balance due from October 29, 1998. 9. Per the terms of the agreement, the Defendant has agreed to pay to the Plaintiff as liquidated damages, the costs of collection, including all reasonable attorneys' fees incurred in the collection of monies owing, :l 10. Plaintiff avenl that pursuant to Plaintiff's agreement with Plaintiff's attorneys, Plaintiff's attorneys are to receive l\ttorneys' feee of 33 1/3% of the debt due. 11. Plaintiff believes, and therefore avers, that said attorneys' fees rate is just and re&8Onable compensation for the servicee rendered by said attorneys. 12. Although repeatedly requested to do 80 by Plaintiff, Defendant hu wilUuUy failed and refused to pay the amount due Plaintiff or any part thereof. WHEREFORE, Plaintiff demands Judgment against Defendant in the amount of $9,070.98 with appropriate additional interest, attorneys' fees and costs. APPLE AND APPLE, P.C. /}~ By[ d - torneys Co laintiff(~ 4 '\i~j}PROVIDI^N -' Hlllllwi"f f"OIIl1.1n f J.,IHJfI3I nan<< VISA~ or MJllerC.rctll Acr.ounl Ar.counl/\qu....'n(.nl 1m OWllol/8 J r"Wn F~a'.le 1f!N1f!W 'h~ document and k(lt'P II willi VOllr 'llhe' fmJ1l.)fI,ml ~o:; r~~ ACr.OtJllI ^ql(V'menl COfl';"''lS !t\flI~lffl'; wlol(;h Q'N''fU VOUI rl'.l\Iditn flill"Xlal !\'mk Vl'iA Of Ml1~ll!'tC"'lfJ I\cCOlJnl 1:110 "Account') The Accounl till..,..." you 10 OJ,lke DUfdl<1,;1r.; by U':lfll} VOIl' VI:)A ~ Mi1:;!('rCarfj card (1111) 'C",rt"l .t""f'VeI ,II'; Ill.:nou...., .1M I') IJllI r.,lo;h Illt\ltlnt'f""; "OIn U, or ""Y 6n~ J"'"llff'illrq t.nancs..,llll'!lllubon .lnd from Automilled J oller fwtlchll'lp'; C;of!venll'nce ':fl('(ko; may .11:;0 ~ ~ovlc.~l 10 VI)I, il:; a~ a:1Jiholl,11 W",,!u \r;fO !t~ ^(culml In lIll', i\{JlPQmtnl 0"'.14,0 Jf)tj'ytU. m~1tn eachpe"on lot whomwl1 have Clp('ncd <l elet)1 r::udMwunl VJe.' ''>Ill' 'OIJl':;' ,tnd '11':;' 'Tl1!,lnPu:w1i.,n tl.'hl)l'~tll3.1f1k f)f ,to; ,r;:;I(j~ J~" ~....joIlYOtl' tAlllf)Q :tal~rm'nl ItI(>MC~' mny bfo U'Jrd",,/'f 101 personat, lamlly, ho~ehold. "lid cha/jlil~ J)UIPOS~ .1ncf nol tll, "Iny M,n~.. f)' r.omm(!lflal [lurrw1.;fl Arry lI".1J ollhn Accounl :;hall con~lrllJl" accl'PLnr f" It", IfOfm, 01 1M Agreemtnl You And we agree iJ!l fOllows Plym.n... You WIll recolVe! a monthly slalcmtml ';howulQ you. olll>;l.lrk1flll h.llilnt,l) raymel'll 01' !IllS Atcolml ~ INJlUf'll III U S ,bl~r5 Irtlf>tk:; musl tl'll p..,yilt~" <II it U 5 ol!.ce of Itwlt1l\ul.. ItMo chcrk ~ drlJWn on) '01 ,,11t'Rst the PflYmpnllim i1'l..hOWIl on yn", ,;I:lh,mf'nl tJy Ihl' (l.'lymf'nl ,1I1f' d,-III) trI ;lrrnlfi.lIIr(' wilt! fl,lymf'nl'WlrttrllflW, on yrlll' '1t1lllhty ..br"m"nl c'OOVl'Olf'nre cf~ks IInd olho. check, we rssue 10 you may nol be uS'''1 tf) mil~n pilym(,/ll'l flO yuur AW)lml 0' 1('1 makl' D<lYmp.f1ls on ;1lJ'{ 0111'"1 iV-CIM,t you ''''I\If~ wllh 1.1 Ul OUl i1lllmlM fllf" pnyml'nl OJfl w~1 t~ 7IJ. olllle new balance shown on you. slatemenl plos Iht" ,'mounl nl any paslliJu p.1ymonl phr: 11111 ,lmflllfll hy WlllCh !hl! r.rw b.1~mco OACf*'<1:; yw. (I't'<J.llult! Ibrrovt"lt/1(o paymf!r,1 We WlI nol be ~, Ihan $15 {unIt":;':; ,OUI now b.lI.1rn:e I!> k-s:: IhiUl S 1~ rn *t'lr.h c;m~ 1M f'<1yflll!nl fJUn. Will bt,. II;" llmt'llJfll Ollhe rr.w hl!,lflrt" If yOUl AccclUnlrs P<l51lJuo 01 ttJuv,. Ihr (IPdt hnl", .,..e /nay rf!CJJl'f a Iltghcr mlnlfTlUm paymenl, bul.,..e Will nollty you blllore rhnq ~o If your p..,ymenll'3 mow IhJll lho p.,yrrl'nllk,,~, II will ~ twa!(-'(j a:;.l ';IfI(Jte r,1ymt"nland n()lle <)111 w~1 ~ "fllllffllo lUll... Pl"(menl' we We may m:CflPlliltp I)' P.llllal r-lymen!::. 0' Pllymenl" m3rkl'll.p.,"I,1l filII. r)/ flltlrkf!l.J Willi olh", I(";IIlr.IIlIll; ""11I1I~IlIrJo::I1UJ rUII rll)hllO I:IJIIJX:I illl ilrnOtlnls OWlnq UodPI thr:: Agleemenl Flnlnc. Chargn. Excepl as desCllhed In tho Grace Period for PUfchlS1S 'it'ClIon 01 thr.; Aql~m{,ol fmJnr.n. chmge!:. beqUI 10 acr:lue on a .Jeb!1 wilen III:; IndudPd In or"," of you, 00dy baianc., Md et:lflllnue unlillhat balance roo; 'Clisced by a paymenl 01 clool YOl" Accounl 11<1:; Ihll'(! b,lI.1nc:r.<: 1I~ fJJr'!;;NI't!: el~iLry, wluch rOlY,;~I:; <)1 plllchm;~ yoo ml1t,1! wllh YOllr CiUd nnd'~ ,,,, cerlarn ophonal serviCes, the ClJ'Jlom Cao;h Ad-{a[\\!tDi!.I~~~. which COMI5I:: <)1 batanc~ Ihill vou It.ln:;l{'f 10 your AccouIIl tr.,;lng b.l~'11(:9Itiln:;le. chrr.ko:: JntJb.11<1nct'S U..,I wflt'l'mSfOllOf you. and 1M ~Kll.BiIm whICh con~lsl!: of all olher ca:;h ~ances Any p.'ym('nl '101001'11 WI! 'oceNe Ihal exc~ ltl(1lll1;'Jnr~ ctwg~ and ff!e':llh('n riIf' wtlt ollinarlly be <llll~ rl''illo lhe Balance wllh lhe Iowusl Annual Pcrcenlage Rale (APRj, until 1I..11 Balaocc ~ l~O :Ind Ih~n In Ihi.' B.11;lOrc Wllh Ihe ncxllow~1 Am, unllllh.ll Oalanr.e IS lero, ilnd lhen 10 any rem"'1lmg B3fanr.f! We 'eserve Ihe rlghl 10 8fp1y paymenl~ dlUf'lenlly wllhoul furlher nollCo 'hI-' PlJTttlo1~P. CWlkxtl Cf'sh AdVilncE!. aM G""o Ad/<1IICO e.ll.lnces all! lefb:f!d by paympnls os ollht" d.11p rer.eNed, IJndby credl(s (eltcC'pf'or 'I'Ve/sals of late, over.'n",l, and mlscollaneous r:hillIJf.'~) ilS 01 Ihe dJle PlY.:tf'd Purchi1~f"; fll{lI'lf'ilKX'd In yOUl PU/chase BalallC'o ns alllle dale ma.lfo Cuslom cash JOoIances a.e mctuded In yoUl Custom Cash AWilrlCe Balance as lollows lunch ell'Clronlc,ll'v trilMmlll(lfj 10 olher lender::; 10 Imn::;I"" b.1LlllCCS. a::; ollhe dale 1I',"!""mllled, checks 10 lrJlISfElf balances as of the dale presenled to us Other cash <1{Nances me 10cluded 10 YOUI Ca:;h ArNanr.l.' O.,11tICR as ff)llow~ ea~1I ;tfJJill1(l'": from olllel fm.:lr1r.1011In'IIIl!IIOlj~ ...IJ lhrouqh Aut(IfJIllled Telle,s, 8S 0' lhe date made, cash acNance cheCk::; mddo P<lyoble 10 you lhal ilIe Idf'nllfl(!(j a':l cn:;hlf1(s chcclco:: alu11llmled 10 VOl' at your r("flUesl. as 01 seven ~ aflt'f nIP dalt" WI! punl 00 lhe check, all other checks, as 01 lhe dale presmlled 10 llS Olhel dctlIls (RlCcppl '(lr lale. O\/eI lIrmt, frnnnc:e 311t.J mlsrl!lIanlXlU'l charlJ'!';) are 'nell/ded In your PUlr.l",~e, ClJ'ilom Cn~h A!hanc:n 01 Cash Au"ance Balance as of lhe dale ~loo FInance chmlJe:; me added!o your Purr:ha':ll! Clj:;lorn Ca5h ^tNi1I'Y.P, Olnd Ga,;h Art.<:lf1rE' A:1I;mc~ each rlay nnd .lre then poslt!l.1 rJO Ute 1.1,1 day 01 lh& bllbng cycle The,e IS no gl.1ce perIOd lor cuslom cllsh i!1.NilOeCS 0' olher cil,;h aa.-ance>; To fl!Jll'O lhe dally finance ch3lge for each lype 01 Balance, we 'ilart wllh your prcylOU~ day's a.llanc." adj allliclills nnd subl'acl all crOOls for lhc cUllenl dolY and mulliply Ihe nel amounl by Ihe appIlC3bIe dally perIOdIc 'ale (see following paragraphs) T he finance charge 101 oach type 0' Balanc:e IS Ihen added 10 .100 lI1c1oded In thai day's a.,IClncO We lrealll credtl b.,lano:e 11)1 any day as Zero We dele.mlne Ihe lolal finance charges on b.llanccs 10' the billing cycle by a6:1lng tOljelhe' Ihe IlIIaMe chmges fOI each type 01 Oaklnce for each day wllhlll IIle bllllng cycle In C3!r.ulallllg finance cha.ges, an adlustment WIll be made lor any I,ansachon or paym~nl Ihat would have alfCl:!ed Ihe finance Charge cakuklhcn 111 a prior bllll"'J cycle had II bt>en poslcd In Ihal cycle The applicable dally periodic rate lor such a Iransac"on Will be the rale In ef(~1 10' !he currenl bllJrnq cyclp. ralhl!llh.,n lhe lale In elfeel on lhe dale ollhe transar:hon Your stalemenl Includes an avelage ~11y balance for each type of 8alal"lCe You clln mlllhpty earh avelage fj.,tty balnnce lhalls 1'10lzel0 by IIle numbe, 01 days IIIlhe blllrng r:ycle and Iile pe'lOdK, rale 10 oblaln sublolals, and then add the sublolals logelhe, 10 delcrmrllP. you, !olal finance charge,> ,'II h"lance,; 101 Ihe billing cycle The ANNUAL PERCENTAGE RATE (APR) fOf purchases IS 198%, cOl'/espondmg 10 a dilly pel'ooc raIl! I)f 0 05475% The ANNUAL PERCENTAGE RATE for cash acNances IS 21 9%, correspooong 10 il dalty periodIC rale 01 0 lJ6OC(1k We reseNe the rlghlto change the Annual Percentage Rale calculahons " you r.h not comply wllh Ihe lerms ollhls Agleemenl Grace Pe"od for Purchases. New purchases posted 10 you. Accounlln bIlling cycles wllh no pleYlOU:; balance, or when lhe pl'eYIQUs batance was lully paid dunng the cycle, do 1101 beg1l'11o Il'1('ur a finance charge untlllhe slall 01 the next billing cycle Youwrll P<'1Y no flnal"lCe charge on ':luch new purchases If you pay lhe tolal new balance In full by Ihepayment due dale shown M your slatement. New purchases posted In ilny olher bilJlr19 cycle Incur a ~nAnce charge, and there IS no p<>lIod In whrr,h such purchases may be 'ep;lld wllhoul1l'1curnng a hnancp r.h~'lrge Rebate. On the last day 01 each monlhlystalemenl pe'lod we Will credll YOUI Accounl With 1% 01 YOUl nel purchase lIansachons POSla/durlng the slalemenl pe/lod .Nel Purchase Tronsnchons" means Card purchases, less purchase adJustmenls and pu:..."asc credits posled during lhe penod Fees. We will charge your Accounl Lp I... ::;29 for each Cll/d you ask us 10 replace, each relorncd pnymenl check, each check yoo Wille on your Accourlllhat we relUfn Ifl'patd, each stop p.1ymenl order or renewal of such an Older. each billIng cycle wIlhln whIch your Accounlls delInquent (Iale charge), and each billing cycle Wllhln which yoor balance e)(ceeds you, cledll Ime, even If your AccountlS closed. I'you requesl cOptes 0' b1lllllg slalemenls Ihat were ftr::;;1 senllo you more than Ih,ee monlhs earlier, we may charge a handling fee of $2 fOI each such copy Default, You will be rn defauttl' any Information you prOVided us proves 10 be Incomplele or unlrue, If you 00 not compty wllh anypafl ollhlS Agreemenl, upon your dealh, bankruplcy, or Insolvency, If you do not pay other debls 'Nhen due,lf a bankruplcy pellllon rs filed by or agmnst you, O'lfwebeheve In good fallh lllal you may nor pay o~ perform your obligatIOns Vndellhls Agreemen' If you are ,n default we may, w,'l1ou' furlher demand 0< nOhce, canceJ your creel' p'N,Iet]O'J, declare your Aceoun' balance 'mm!!d~'.~ due and payable, and use any reme<ly we may have In the event of YOUt defaull. Ihe oUlslandmg balance Of! youI Accounl shall conhnue 10 aCClue mterest althe APR(s) dtsclosed In Ihe Finance Charges section olllus Agreemp,nl, evelllf we have filed SUlI 10 collectlhe amouol you owe Credit LIne. Your ,credllline JS spec:ued ftom time 10 time 111 a separale nollce We may Increase 01 decrease your cra/lt IlOe based on Inlormallon we oblamed from you or your cledll records Your avadabre credit IS normally the dtfference belween your credit hne and your Accoun! balance (Includmg IransacllQns made 01 authorrzed liul nol yel posled) II you send us a Imge paymenl check, we may limit your nvallable credll while we confirm Ihnt Ihe check will clea. Fot cellaln traosacllon::;, available credll1ll.1Y be less You WIll nol use you' Accounl fo" and we mily refuse 10 honor, any lransacllon whrch would cause you 10 elCceed your available crrol Promise to Pay. You promISe 10 pay us when due all nmounls borrow<:!d .....hen you or someone else use YOUI Accounl (even If Ihe amounl charged exeeeds your permISSion), all olher Iransacllons and charges to your Accounl, andcoll~lIon costs we InCUt Includmg, bol nol IImlled 10, re::lsootlble allorney's fees and COUlt cosls. (If you win Ihe SOIl, we Will pay your reasonable allorney's fees and court costs j Changes. Aller we provide you any nollce reqUired hv law, we may change any Jj,:ut of Ihl~ Agleernf1nl and ndd or lamove reQlJI'~mp,nls Ir a ch.1nge is made 10 lhe Finance Charges sachon of IhlS Agreement, the new finance charge calculallon Will ,1PPly 10 your enhle Account balance from Ihe effechvc date of lhe charlge Changes wrll awly 10 balances thai !Dclude Ilems oosled 10 ~ ~l1l.be'ore the date of Ihe chanoe, and Will apply whether or nol YOll conhnue to lIse thp AccOLJnl Foreign Exchange/Currency Conversion. If you u::e YOUt (' 11d fIJr transachl)n~ In a clJrrenr.y olhro' !t!iln U S.Jollms, Ihe tlama(!lons Will be r:onverted to U S dollars, genl'!rnlly uSing ellher a (I) government,mandaled rale or (n) wholesale mm~.et rate In elleCllhe day bPfore lhe llilnsacllon processing date, Increased by lIVe percenl (5%) If a credit rs subserjuenlly gNen for a IIansactlon, II WIll be decreased by Ihe same percenlage lithe cledll has <1 dllfefenl processing dale, Ih':!n the exchange rale of Ihe credit can be glealerlless Ihan lhal of the onglllal transaclron The cu,,~ncy conversron rate on the day before the Iransacllon processrng dale may differ from the rale III effect at Ihe lIme (If lhe transacllon or on the dale lhe 11,lOsaellon IS posled on your Account You ag'ee to accept Ihe converted amount In US d1l1ars The Card; Cancell<iUon. You may cancel your credil prIVIleges al any Irme by notsfj'lIIg liS III wnlmg and dc~lr';yrn'J Ihe Cmd(s) Upon lhe Card explralron allhe end of the month o;hown on II, we reserve the rlghl nollo renew lhe Card We may cancellhe Card and your cre<.JlI prIVIleges al any lime aller 10 days nollee 10 YOIl, or wllh{'ul nollce If permllledby 1'lW Ir your. Cald,s cancelled or nol renewed, finance cha.rges and olher fees wJlI eonhnue 10 be assessed, paymenls wilt conllnue 10 be doe, and all olhOl JrPII,=able provlSlOllS 01 thiS Ag.eement WIll remElln m e,lf{OCt If YOII lermlnate you, credit prIVileges, or If we cancel or do not renew Ihe Card, you may no longer wtlle checks on YOlJ/ Ac:count and you should destroy any unused checks we hav!! l'lsued 10 YClU Personallnfonnallon: Documents, You will provld<! us at lellsll0d1YS nohee ifyolJ ,=hang~ your name. home or mClltmg addlC':~. lel~hone nllmbers, employmenl or Incomo Upon om request, you WIll provide us addlt:onal financltll mformal",n We reservo lhe oghl to oblaln InformaIIO!. frfJm olhms, IIIdudlllg credit rcrorlir.g agenCies, and 10 provide your a#ess and mlormilhon aboul your Account 10 others WI'!! may also sh~<!ljQn wllh our afflIUlI~1.. ti.~ou may Wille 10 us al qnv lime Inslrucllno us nc~!J2.1h~9'!1 InfO/mallon Wt!Law~~~L Jf yf)U do nol 'ulflll your obligatIons under Ih,s Agreement, a nP.gallVe ctool fPpOrt Ihal may refler.1 f)n your r.r(>d!1 may be submllled 10 Ihe clernt rrpOIl1Og agenCies Customer Service; Unaulhorlzed Use. loss, or Theft 0' Checks or the Cind, [nrh Gmd mllsl be ::Igned on rpt:!'!lpl You me 'esron::d:Jp f"f silfegllmdll'lg llie C:lrd, yOlll reI..,.,,;! :,jenllflralinn Nllmber ("PIN", which prOVides acc~s 10 Automated r'!lIer Mllr:hme'l) and nny ch-'?Cks IS!:Ue<1 10 YOIl Itom Ih'!rt, ClOd ~eerm3 Yfll!r PIN sl?par"t<:, from YOllr Cmd IfYOlI dl~C'ovpr"r ~IISL>"'=! lha! your Card, PIN. or any unused cht'd;s ar<:, losl 01 stolen, or thnr lhl'!I(o may be "!n IJn"lllhnrlle1Ifansilr:llon on Y('lllr .Accnlllll, Y"'u Will pr,.,mptfy n0lJfy us h.' "n'l" '.I 1.1100.933.7221 Sf) WIl Clln rmmedlately netIc hmllln<:ses and !mhlhly. you Wilt phIJI1<> lIS p.ven lhNlgh '(Oil may nl<:1) Mlify lIS In Wllllnq Your Ir~hll:lv f,.,r 11n;JlllhNI1P<j lIS'" or'"l:rllog 1>-O'll,I" you n"1I1y u"; I~ hmlln.1 10 s~,n If Y'ltl "lY'" or we ,",ped ",""::oo/lzed UO" cf ,cllr ^ccc,m'. we may '"'peno YOII"''''J,' ''"''''[10' unl,1 w, "so'" Iho ,,,.,Ion' "'"r """,f""," n, '''"' YOII a n'''N C,lId If YOII' Cald ~ (r::'mfmw!,1(jf'1,,.\'ry~,:,) (5f.:e CC~8) J42$(iJ~;:::::.' :';::J "Ii'll IklIfr.. Vn.I.. promptly (t?ShOV all ch<<h III 'tOOl '''''Srn.''1 lu '"'f'4lJYf' CU.ltlf"lfOl' Sl"l'Vl(l' <ll'd ':(,(:l;lIly you nQrf'f' thill YOUf r"lls m.ty tilt mon","t'd OIIf'COI'I!Nt IItKMntR,lIlloM, WttWlll'lOttof' ~.( 'Ilyt""'Ofl cw A."t(YTI,'"",,, If'Ilooo. ....VII',.. rf'fu~.,....I{l 1I1I10' III(> CarJ()l DCCtopl V(\\/f rht'tko; 011,111'; IOlelutn lilt' Cmd 10';'00 We h/t\lt'l'IOJOO'.oflOll"t.LtI. lor goodS and SefVICts ptJIC.MsalwlUI Die c:....d '"I Chk"'~ ..n"," ".. '''''1',.....' t..,. I"" 1~,N' $p('CJ.11 flulr l..okM) C,,'IilIl\ ."'IIO'M', !lldl hi.. Iw~bt.. Wllh III.. ^CWI.lIIIIllC lMl\IKlftolloy D!lld JIltIly ~ ~. are nol t~pon..(lIp lor If\tI ~lltw ""'1IlIf1lid~ Clll~l,!t<: (II "''Y I'" "10" \""'11('"", yt~J rtJOmf' l(l u~r Slop Plyl'ltn' Order.. II you wl'jh 10 'k..'I....Yrl1l'fll on. O...:~ V~'u mltV .,ft!~llr; .. ~1.Jr' r"'l.,.rn'~lt t'ldPf tly Wllllny 10 U~ at 011' ;1'JolrC~" J.}I' (u~h-.m"r ';fflVICP Il'Itrd on YOIlI ,latt'fTlflnl You catl Nt'. 'kf1 plt'fmenl Olde' CNPy t.., CJIIonq "... f1urntlf"f nktd ~ ytlU/ \t"'''mf'fl! WIll'll ytou m,,~,.., SI'JI:' 1~I~mf'f'll f)I[)" yt)U minI ror{~~Io:' YOUI' Acc.ounl IImnOOI nnd'::~<<lrlC 101'~mahofl8lo." Ihf check 1M ~.acl amounlltlf> dllf' on nil' cllf'(~ "I(' rwn.. 0111", f1llfty 11'1 *,w""',,, W,I~ r\ly:II... lilt, n.;1"'" 01 ""' 1'l"".;OIl WIM' ~1<1rl('I.lll a'l'1l1lf' cllf'd nUlTlI('r You Will tlf' A~,kl..l kJ (f)fllllltl nn c-lll sttJIPIYment OfdPr WI Yrllltlg ~t_l!!i')' .!h!NilJdi'WJ.V.I~V'~ ,I *r ~..'NI !':\,......f: 1I_(.'SI'~ \'I'lllh'!1tQflJ~rn.l,tl'tlf' Wllh!p 'Yro,wi..'e~~ "fl~! 1!l(!..Q!i.I~ (]I ,I Yrl! ha...t' t~Jlll'tl'l\lt'\Jnn 8dcqlalr duKl()lnn of Ihfo "rm so hi P'ttr(Ol'l1 can bft 1kH""J Ttlfl ('tlJPf.41 f'll-.t lor I"Ill"cIJ"" I lilt' rhrn .,.a~, p.11,It.y tr, tl('lorf" W(' hY1/1 renson.'\tlk> r.nlOfluMv 10 ad on Ihe (lfdet W" maj'. WIthout Il.Uty m'fI9",dI Wfltlen $ICflPJY1T't'OI Ofdel' $11 monll,..a!ltot 1t'Ct'C4 ur1loo:~ II I";. I~""'t'dlll wr 1,,'9 Sunditd of CIft. BeCAUSfo It"" Account ffl~ tdl "flItl eN" anl1r~. Ir"'l~...')( IlntY', wtllCtl arr rwnn.;',';t'flltlrlllltjh 5t'fl<ltale n"llCV\,lI ~y;ll'ITl".; hrlOlI! ItlC Itil'r>t1r.hOIlo;. BIt" ton".;Oktalf;dt'y l,K andbtcatAe not t'Vefy chor.k and{.:ard ~I(, wdltl(! $f'flllo U'l 11,,"~lIICI.IY, IIl"l'OUl Ar(OIj'" Yr~! llf' 'lIrx..::o;rd rn{Orl". :rarty w,lh(lul Oil! ~~,;arltv It.....lNI'ng t'Y(!.V IIertl Out f'fOCe:i11OQ S)'1It"m WI c.I OUI'IIClfII.on 10 certl., rlflm1 wtllCh *" w'" C!'I'fYllI'lt' W.. WI' ""fYllll(' a" Its''';.<lCIIOW_ wtW'fj VOU ff"POllll~11 vuur Clud m chN:ks 11<1Vc.> t.N>n 10:;1 01 !;IOOI Wf! do nol mlend (lfdnanty 10 et,m""" II ttmn'l. and we will WolI hr ""9tq>nll' "'filL nol(i. $1' 1 hI", tlJlto r',Ijtf)lt"Ohr,; IIIf' ..lil'K1.1rll 01 ordifmy r.arr Wllldl wr "I gotVl ',lllh WI" flH'fCI$r 111 lI'fnIln~I(!lIng ...olll/u;tounl ON-JlV!r 01 our bmlled IPVteW, andb<<IIir',f' tl(',II.cf VlllJI r.a'ICf'I_'f"l clltl("'\ I... Cllllt II,111'"lfIIOfl ';.1,1'; wdl l>t, 'I'hlln'''' III you WIHlltl1' nlflnlhly ~Ial,.m(ln' Y(1(j o;houlej II(' carnlullfl ('film All r.I1l't~S In your ehf'rk '''IIrsler 01 OltlelWlSt' kf't'J'l a '('(out 01111('1'1 'f"" ~lIt}ljll1 ill',n !..h'I' "l'1~1t (II'lfjl (i'\'ll ("a~,t, i1I}.o~,,(.I' ",IIII.,H.llil",(' ~hp'; J(!t!J1gr~JQ f)1f(:k YOU~l!!.Qnlhly}:wmmO!lJ$..QU9illllYW1~d aDd lQ...QQ~j,I~llN(lon':,itChon$~"'Ir.r; WINtr of eertll" Rights. We m'V delay 01 warv,. rnIolCf'fMl'll 01 any r>rCN~~1 oll1},:. Agrl'('lTl~nl Yrlthoul ~If~ 'JUI "91'11 1(1 enlOlCt" II 01' any ol~f f!h)l,'ISIOll tnle' You waNe the nohtlo pte"'..enlmenl. demand, ptotes!. Of notICe 01 dtsllOf'lOl It'tV ilJlJIc... stillul(' of ""111,111011': "nc1any IIghl you may havp 10 "'QUill:" ~ 10 PfOCt..td agamsl anyone berOfr we fll~ SUI! ogaltel you Apt)lltabM lIw; S,""lbfllty; ASllgnm.nt. No maltfll whf'f(l VW Mo, th,.. AgrN'Fl'uml mid yOOl Accounl (tw9"lV(lrnt'{j by 1"'Y!/aI1.1w arlfj by Nl'W Ham~ture law Thr:o Ag.t'Cmcnl r.; It '1fl8I elllln,1Otl of llwt ag/femenl bPlwten you IIIId ~ and mlly not Or tOflll.Xledl". p.\Idm'f' 01 Ally allc9<'d Ofal n~reem(!nl II OIlY P'(JIJI:>1(II1 01 11M';. Agrecmcnll~ held lobe InvalId or unenlOfce~ you and Yr1!',,1II COIlSIdeI thaI ptOY1S1OIl modflf"d Iv cnnlOfm 10 ~ law, af1l1 Ihe 1(";1 oll~ f\rO\lI:;ron:; In Ihe ^11lcemenl WII! sltll ~ onlOfcl!abk- At any \lmo aller we determine In good lallh hi any P'~f'd Of enacled If'grslahon regulalory IKhon (II' /liOnai Jt.OCISIf)(l hit:; r~ndl'rKl 01 may lender any malf>tllll prnvr.>lOn~, ollhl::: ^g'(I(I'lIc.onl Invahd a' unenIOlcenblE'. nf Impo-;,e any lI'lO'ea:l'dtax, lepoI1ln9 1t'(JJllemenl, 0' attic! hifQo.>n III wnJ\('(;lnn .llfl 3/l'f ~uch pmvr.;oo Of II::: f!f1fOlcem~nt. W~ may altc! alleoo;.130 dav,; nohce 10 you, 01 wllhout nohce II p(!Imllled by taw. caneellhe elVd andyotl' Cfedl JlIlVlleg~ We may Ilarl~l(.'f 01 :r;';.tgn 0UI1IQtllto aU or somE' 01 your paym!!nls If slale lt1w requrre:; thill you ItOCeIVt" nollt!! of such an evenllo PlotcclllJe' PUChasfl Of asstgMe. we may 9'lJf'I you ~uch nollt':1! by l~~ a f;n"nc:lng :::1:lll!mf'1I1 wllh Ule SI.11("s Secrelary or 51,111' Hoffe". Olfter nollCes to you shan be effectIVe wh{ll1 do:'posllecllf' ItIft mad n()IIf'~~M 10 you i111he adJl{o:;~. shown on our recor~. unl(!~';, n longl!l noltee perlod.s speclflc<l In lhls Agloomeot 01 by law, whlch perIOd shaU slalll4lOO milll:ng Nohce 10 tr.; !;h.,11 tJ(' mallrd to our addles:; IOf cu:;Iomel servICE' on your :::lalemenl (or olher addlesses we may SpeCify) and shaUb!! I!rfectlVe when we 10000e II YOUR 81WNO RIGKTS - KEEP THIS NOTICE FOR FUTURE USE. TIlr.; nollCe conlilln~ tmpOllimtlnlOlrn.,llon aboul your Itgtll~ and our lespon5rb.IIlH'J~ unrt.!r the fair Cledll Blllmg Acl Norlly Us In Cal' 01 E"ors or QuesUons Ilbout YOllr Bill If yoo thmk yoor bdl F.; w'C'f1g or If you need mOlt! IOformahon aboul any lransacllon on yOlll bill, wllte us, on a separate sheet aloo adiess fOf cusklme' st'fV1Ce Ilsled on your bill Wrll~ It! tr.: a, soon ~ ~:;lbl(' We musl hear 110m you 00 laler lhan 60 days alter we serl! you the Inst bill on which the enOl Of Pfoblem appealed You can telephone tr.l, bul 00tng so wlb nol pI€l';er...e yOUl fights In your IeUel. Qive U$lhe folJowlflg Ifl(:.rmallon .. Your name and AccoUtll Ilumber .. Tlte dollar amount ollhe s!J$pecled error .. Oescrbe lhe f1'0I and eltplalO. II you can why you bel.evf'llhefe tS an elrOf If you neW mOl'e Inlormatlon. describe Ihe Ilem you are not suro about Your RlghtJ ItJd Our R'sponslbrlltlrs AUtr WtRectlvt Your Wrltt,n Notice We mini acknowl~-:. yvur IcUel wlttun 30 days, unless we have cOllecled Ihe 1.'1101' by lhen W,thtn 90 day~. we must e11hcr COIrectlhe erlCK 01' ellplaln why webebeve the bdl was COffeel Afte, we receNe YOOf leller, wecannollry 10 collecl any amounl yoo QUesllon, or repc,1 you as dellnqlJenl We can COIllrnue to bill you 101' lheamounl you qu~hon. including lmanee Chalges, and we can apply al'ly unpaid amounl agalnsl your cro(!ljll hne You do nol have 10 pay any queslloned amount whIle we ale t"...esbgahng, but you lie s1l11 Cblrgaled 10 pay the patls of youI bdllhat ale nol In qJl:!sllon 'f we find lhal we made a mIStake on yotJl bill. you Will not have 10 pay any fmance charge ,elaled 10 any quesllOlled amounl If we adn't make a mIstake, you may have 10 pay flnancl! charges, and you wdl have 10 make up the mlSsedpaymenls on the qucslloned amounl In ellher case, we wlli send you a slalement or Ihe amounl you owe and Ihe dale that 11 IS due If you falllQ pay Ih( amoonl we think you owe. we may leport you as dellnquenl However, " OUI ellplanal'l:ln doe-. nol ::allsly you and you wrlle 10 us wllhm 10 days lelling us thaI you sllll refuse 10 pay. we musllen anyone we report you 10 Ihat yoo ~hon your bin And, we Itlustlcll you the name of anyone we reporled you 10 We muslleU anyone we ,epol't you 10 that the mailer has been sellled betweer us when II fInally tS If we 0Jn'1 follow lhese rules, we can'l collcctlhe flfSt $.1)0 of the qucshoned amounl. even II your bIll w;n corf!:!Ct Sped" Rul, (or CtMlt C.rd Purchases. If you 118ve a plOOIem wilh \tIe... .,,,Iy or Ihe pt"operly or SCfVICes thaI you purchased wl!h our credll cald and you have Ifled In goot.J 'alth to correclthe problem Wllh the merchant, you may nol have 10 pay the 'emalnlng amOlJnl dut" on the gOCl<h or servICes There ale Iwe. llmllahons on thIS IIghl (a) you must have made the purchase In YOUt home slate, or If nol WIthin yOU! home slale, Within 100 miles of your currenl mailing ad::lress, and (b) Ihe purchase puce must have been mOle than $50 TilesI.' Ilmllahof1~ do nol awly Irwe own Of q>etale lhe merchant, 01 If we maIled you lhe adverllSemenl 100Ihe p1~tv 01 serviCes >- ('oj ~ a; tr. ~ .. =)~ wq - c..")~ ~r~. :c .~L-.... S ~- """ ..;!~ ')1-- c' Lf) ~~.. fj) Or:. .:!;;;: U.l:;' LCZ ~~~: ......J l~JlU r." =; :';)Cl.. _. :~f u. en :::> 0 en U ~ ) i c: ) ,- , ,. , , , , -- '..- , :' 0.., , , , , ,OJ ".~. ..... '- 1.:._ I.'"' .7") r::, .;;. C) , calls to the Defendant, it has been approximatcly one YCllr since the Defendant has contllcted Petitioncr. 5. Petitioner, in accordance Wilh its ethical obligations, has performed the required legal services on behlllf of the Defendllnt. 6. Pennsylvania Rule of Civil Procedure 1012 provides thllt an allorney's appearance for a pany may not be withdrawn without leave of court unless another attorney has entered or simultaneously enters an appearance for the pany, and the change of the allorneys does not delay any stage of the litigation. 7. Petitioner is amenable to substituting counsel for Defendant, so long as Petitioner paid for the work performed and expenses incurred per the terms of its engagement, 8. A withdrawal of counsel at this point will not delay the litigation as long as the coun instructs the Defendant to immediately retain other counsel. Defendant will cooperate with any newly retained counsel in insuring that they have the necessary documents. 9. There will be no prejudice to the Defendant under the circumstances since she will have adequate time to retain new counsel to represenl her, and there are no immediate Motions or trial listings. DocumentN: 17785~1 , PROVIDlAN NATIONAL BANK IN THE COURT OF COMMON PLEAS CUMBERLAND CO. PENNSYLVANIA Plaintiff, No. 99-1955 Civil v. BARBARA J, GRlPPIN Civil Action - Law Defendant CERTIFICATE OF SERVICE I, Steven P. Miner, do hereby certify that on the date set forth below, I did serve a true and correct copy of the foregoing document upon the following person(s) at the following address(es) indicated below by sending same in the United States Mail, first-class, postage prepaid: Joel E. Hausman, Esquire Apple and Apple, P,C, 4650 Baum Boulevard Pittsburgh, PA 15213-1237 Dan and Barbara Grippin 822 Doubling Gap Road Newville, PA 17241 METZGER, WICKERSHAM, KNAUSS & ERB By: ~ Steven P. Miner, Esquire Pa. ID No. 38901 3211 North Front Street P.O. Box 5300 Harrisburg, PA 17110-0300 Attorneys for Defendant Date: June 27, 2000, Documen' #: }78$J]./ [i, ..:r f:: -, I'.. ""- c.~ -''''- ~~.. i);) ,'.' -. (_1:2, , ');' .... -. lJ. -}~ ". (, -j\ '.'en , " "1-:-':- , C', C% " ... '1t.L! -' '. ~'~ (.l.. , ,j to' ". CJ () .. .. If you fail or refuse to admit the truth of any such statement of fact and tbe Plaintiffs therc"fter prove the trutb therl'Of, you lII"y b" required to pay the reasonable expenses incurred in making sucb proof, including attorney's fees, witness expenses, etc, r ! ~ I If, in response to any of the following statements of fact, it is your position that tbe statement is true in part or as to some itellls, but not true in full or as to all items, then answer separately as to each part or item, If you bave been sued in more than one capacity, or if your answers would be different if answered in any different capacity, such as partner, agent, corporate officer or director or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such other capacity. REOUESTS FOR ADMISSIONS Pursuant to Pa. R.C.P. No. 4014, Plaintiff hereby requests that you admit the following statements of fact: 1. That Defendant received a credit card from Plaintiff. ANSWER: Admitted: Denied: 2, That Defendant did not return said credit card. ANSWER: Admitted: Denied: - 3. That Defcndant received an Account Agreemcnt. ANSWER: Admitted: Denied. 4, That the document attached to Plaintiff's Complaint as Exhibit "An is a genuine and accurate copy of the Account Agreement. ANSWER: Admitted: Denied: 5. That Defendant never contacted Plaintiff to state that she did not receive an Account Agreement. ANSWER: Admitted: Denied: -- 6. That the Agreement, contains, in that scction cntitlcd "Payment,", thc following tcrms and conditions: "Vou will receive a monthly statcmcnt showing your outstanding balancc. " I' I r ANSWER, i I Admitted: Denied: i i , I , I 7. That Defendant received monthly statements with detailed billing entries. ANSWER: Admitted: Denied: - 14. That a failurc to make monthly minimum payments dUl! as .hown by Plaintiff'. statement., or a failure to make monthly minimum payments by the payment due date .hown by Plaintiff's 8tatements con8tilute8 a (siluro to comply with the term8 and condition. o( thc AgrL'Cmcnt, ANSWER: Admitted, Denied, , ~., 15, That the Account Agreement, contains, in that section of the Agreement entitled "Default.n, the following terms and conditions: "On your default we may, without further demand or notice, ,.. declare your Account balance immediately due and payable .., n ANSWER, Admitted: Denied: ~ 16. That each of the statements annexed and attached to these Requests For Admissions and which are collectively identified as Attachment "' n, accurately renects the unpaid balance due on Defendant's account. ANSWER, Admitted: Denied: 17. That Defendant prior to the filing of this suit, did not contact Plaintiff too dispute any inaccuracy in the cntries coutained in said statcments. ANSWER: Admitted: Denied: 18. That the entries amount to the sums claimed in Plaintiff's Complaint, ANSWER, Admitted, Denied, -- 19. That Defendant made payments on this account bMcd on the unpaid balance AS reRected on said statements prior to default. ANSWER: Admitted: Denied: 20, That Defendant on or about Decembcr 12, 1994 madc a paymcnt in thc amount of $4,563.87 on this account. ANSWER: Admitted: Denied: 21. That the payment referred to in the preceding Request reduced the balance due on said account. to a credit of $15,64 as is shown on Plaintiff's Statement dated January 5, 1995, ANSWER: Admitted: Denied: --- 22. That amounts paid were not done so under protcat or in r.onnectlon with any particularized dispute. ANSWER: Admitted: Denied: 23. That subsequent to Plaintiff's Statement dated January 5, 1995 Defendant utilized said account to make purchases and or receive cash advances. ANSWER: Admitted: Denied: 24, That the balance due Plaintiff as reflected on Plaintiff's statement dated October 29, 1998 amounts to $9,070,98. ANSWER: Admitted: Denied: - STATEMENT STATEI - - . ....z~..... I I I m ~!'a.G2~e "'0 HANCHdYi~. ". H. 03101-'''0 \ ~'ZI-O - - - ..-., '0 YISA GOLD 1'. D. lOX "'0 "ANCHE TE~, ". H. 03101""0 ;;;-;;: ;;';3 ";;;;.:.-, IA~IA~A J G~I"I" DAHl H G~I'I'I" 10 G ~ NG AYE' HEBy! LE'~A 17Z~I'llo, ..--..-. ''''tf.~- ,...fR)aiI, ~~ZSDOZ'IZ'O~O"OOZOI~70'010~70 tt"CMIUQ. ..UI ...- OESCRI'T10N REFERENCE NUMBER 01-Z LATE 'A'"E"T CHARGE;. 01'15 . YUUR TOTAL 'IN~HCE CHA~G I'AID 'DR 1"2 MAl "33.0~. : , UR "INIHU" 'A'HE"T INCLUIE' A"' DYERLI"IT NI'A T DUE AHDUNTS, 'LEA'E ~i"lt , 'O~ CU'TOHER ,ERYI 'ON 8U~ YI'A GOLD. 1 CALL TOLL' REE I-I -2,'-6811. : . 13.00 HHEDIATELY . t ' ., , . , '. , AVERAGE OA L Y BALANCE ..,.Il'...n - AVEllA , , fo ~ "# ........ " !l ...""", . l'l OCU"1lI ! ; a ~ L ,0" ~ W"Dlf"," NUll -, 'IMY -siT JIO_ ... 1".....-.... . ..... 11M...........,. . ...............................~............................,...... '4"0'14 yy~. 00II0f"0# Y v. . . .,.. 'n.,. "UI ~:L'. u~fr.. Al~B"'D,. yr.", '" GOOD STAHDI"G A"D HAS CR IT AYA LOILE, ........,............................................,......t........ ., " \1("0 ..... VDID ..... s.':l.Jo....... ..... yotO ..... - r------.----- I SUTElAENT -- r-' , ,..1 - , o - 30 VIS" COLD " O. lOX '''0 I ~..., __I I """CHESTER, N. H. 0310S''''0 ~~~.-OO~~_I~~O.~O~~ ~~2I'( I."" 10 I ~~;.~;; ;'"~;3 I V15" COLD - ,. O. lOX "'0 - N"NCHE5TEI. N, H. 03101''''0 I ..-;; :-;0 I - 1=at"I" J cII"IN I _.....IE.,_. I D EL H CRI"'N 102 Ilc 5'1 NC "VE I' NEWVILLE'" '72~T"'D' "'...~c. .:",'" ., ~~2S002"2'0~0'5000'SOOO~SS'I]0 ~:II."';""I"f ~~'.... DESCRIPTION -- REFERENCE NUMBER .......... , "" ., ~ 0"27 '"YNINT 'ICIIVIO - TH"NK YOU 0' '27 7~"I;IJ0270000002'0'~~ , ,..00' 02-2~ '"YN NT I C V 0 . TH"NK YOU 02'2~ 7~t'. t O"0000001~10 ': 113.00' COO CliOIT '5 "5 VALU".~E "S COLD, PIDTE~T Y UI n 5T 0'PD5~T "~CDUNI "C"ltlT U EN'LDYNfNT gl OIS IlL TY IT 51CNI C TH IDX"T THE TO' 0 YO I 510 EMEN. EE NCLD ED II HUI FDI DE "IL . , FOI CU5TOMEI 5EIVI f ON OUR 'IISI\ GOLD, , C"LL TOLL-'UE , 'S 0"]]-722' . \ \ I , . OM' :.-..-::" .... ~! - AVERAGE DAILY BALANCE "'-ooc '''11 ~~2100251250~O9' "'_"'IOCI . - ~-';"".' ... n. n...... 1:,,11I1, . . C~f)"O:(J ~~. ,....." . . .., . .. .. .. .' I.. c..D1,..~t~. ~r:a;:.o:::~, u._. : ~=:of~:.... ~;'.~~~ ~::c:"'':~~: ::'~~':c': :-:.c':-:~-:::-::C':"'~:. -:'..'= k.d,'...,'..,.'o..c.....o,...\.....C...C.IOII."....C,...,.cc,...1 .......~:- n" ..... ~ . .,... ,,,", 0......'.....0...' ...... '....n.. '....11.. ".1..10..."........ I. .....1...... (j.', ."'-,. --,........ M~.:";'~ a:"t ::~., ..... .. ....DI.1o ...-... . .......Jll.C....(R( I ~IRST DEPOSIT ~AnONAL BAN" NO I" \,I.,~ 5....' . "0" .... ......D.~.'. U1" .. U.')t,II' I 1'''" ~ ':I '.., Tn ~~r~'v~ A rille" IIInvIIINr~ rU~r~ I ,v~ T...,q. Oll:lfll:r . PLEASE CAll US TOll.FR[[ AT '.IOO-96~-6000 I ''1 wnllDC: A nAY, _J'VJ'N nAVC: III Ll~~V 00l~." THANK YOU FOR YOUR IUSINESS I , "'~\,Ir:.aaa* ~IlUI'" t:' *1It1l*1I 5'("........* ClAMPI t:' ........lit , ~ .Ht7 , ,..--------. ----.. -- ~ , . u . : a . - STAT! llC"ot"'C. to. 01'2' 02-11 02,,, GOO DIS \ \ AVER tt'"ClI'AC' 0 ~ , . u . I : a ~ I ~ I ~ I u L . . "'..... ....f..' DESCRIPTION ,..-.- REFERENCE NUlABER D.'. ,... "Y"[NT CHARGE 03.2~ (OUR ACCOUNT IS PAST our 198.00. THE PAST UE An UNT IS INCLUDED IN THE PLEASE R["I I""E lATELY. "DR CUSTonER SERYI r ON OUR YISA GOLD, CALL T~LL."RE[ T , -s 0.c13J'1221. ~ ~ i ! i . I . ' : I LI Ei Cl If l.... iZr':-'I[UfNr VISA GOLD P. o. 10. '''0 "ANCHESTE_. N. H. 03101"'60 YIS;.f~O'(D ". O. 10)( "60 ""NCHESTER, N. H. 03101"'60 '''R.ARA J GRrp~JN DANIEL H GRIP"I" 102 IIG SPRING AYE II N[WYILLE PA 172~"160' ~~28002'12'O~O"OOI'100Q~'a~310 AVERAGE DAIL V BALANCE D.... _ .1'"'00<""'. ".U"'-W"'. ,.. .-___L_. _._----_.~ ~- ,. . a -<<.t_._. ..~Z"OOl'5' IZ'50....0" C!!..'I;: ~~~3 J L '''''''~:-:;--.J 8" 130 ;j).~. ~~ll" j.... ........, ....UMD=:::J I I ......_..o:~c. ...u.... '0 ..., 011""" ~ (6.C..Oo' ............, ~!'l.. .~ ~.. , 13.00 ftlNI" " PAY"ENT. 03.2 ::''',. ~ C40.....D.'. 'f~28002' I 2'50'10'3'5 ..._. ....."". . C"Oo" .........., AVEF ... 819.68 .0-;1'12'16... I . 80... ~"Oo' ,.... , '5,000 'I, 10'3. 1'1 .060000... 21.90... ("!)ol .....-utl. .., c..,. ........,r....u 0...... ......." I.. ,0.._ """'.".U ... ..~ g....... I" .....,...,............,..,. ."..u....Ut..u. .0..................... '. ""., ......0.. .... ~.".Ol .... ..... E"'C" II) II', ..... <:''''.1 .cco..". ..,.. I.... 0. ..... .......... ..... -..... .... ,.... 'l~t 'g. '.,~.. ,.......t. ~.."'..., out :.... "".....Ig '..,.....,..... ,.............. . ........,o....o.a,. ......... . ...:11.......1..' fiRST OEPOSIT NATIONAL BANK I.........s..." ..,.............II......'J1.6 , C...I...~I. ,-"".~- . ....,....."'. -. "t ~1 '0 ~l'fl.l ...............................0.........................~...t.... ~ ~.. " ..., ":'1"';-' V V v v V V V CHECK NUT VALID GOOD STANDING 000 I I I DDD g 8 " g g aaa I I DDD U"Lt.5~ R(;l,;UUNI 15 OPfN, IN AND HAS CREDIT AYAILABLE ~ H'Ii,'" . , ;.0,.. ...~ . '0 ...,.... ..... vnlD ..... .,...................................................~............... ~ - --'~ '....... .A, --Ulll._1lOl.IL...t1.!.i.'---._ ___ -. .-..-.---- . . . , ~ ----- -------..------------ ;;:; .H10 ~ ST A TEIIENT _. ATE. - - . '~3 VISft GOyD ,. O. . X '''0 "A"CHES ER. H. H. 03101-"60 ..-:;.: I I I I -- - - - ..., '0 VISA GOyD ,. O. 1 X '''0 "AHCHES rR. ". H. 03101-"60 ~~'..nn.~.t>>~n.~n.~ I .:;;-; ;~. ;;, I I ~~Z8-0 'ftRfARft J GRI"I" ft" EL H GII'PI" 102 fiG S'R HG AVE II HEMY LLE," 172~1-160' -- .---..-- ~ ~~21002'12'0~0"000'"000~17"'0 tt'CltilACM ...... DESCRIPTION AY"EHT ~ECCEI~EDD . THft"K YOU AY"E"T "E E.E . THA"K YOU 'RI"G IS HERE I USE YOUR FIRST DEPOSIT CH YOUR OTHER CASH "EEDS. RE"E""ER. YOU Cft FOR CUSfO"ER SERVI CALL TOLL-FREE REFERENCE NUMBER ~161"30I'0000003"~~7 ~ 615131/6000001"0127' , TAKE A HEEDED S'RI"G VACATI USE YOUR AVA'LAILE CR~'IT , UR VISA C:OLD, : 0-'33-7221. I , , ",OO'Y 100.00'Y H OR "EET o OITAIH CASHI A"Y . O~-O' 0~-12 0~'26 . I AVERAGE DAILY BALANCE ~""II~......tI ....'t28002512'0'tO" ......:M IWUCI ""'" ..."..." -- 32 Cl.... DAft 26, 19lJ3 ~_... '''.'''M __~ 1M ......Iff... 98.00 ... ....-:e..... "".,.., M DAn AY 21,'993 _.~ AVERAG 831.813 .0 't15. '~" .. C~Dl' l.!lI.,.. , .,..000 '1,083.37 .060000. 2t.90.. CIIIlJf".......... N ....._.c....._'.,.......,..,_____.......~.., 10 .........1llolI............IfI...."'__........:..w.................... ::~I...;'~ar.d ,..~,.c,,~":.:..:.~.. 1t..~III.:.. "t' '.::'I.'~~t.,:.~':,,,t 0".. "'-l: . ......,.. ClOl.~A". .. --. :,....,..; .... . , ,,"DIrAC" Nt D . ~ = . u ! a a Ii ~ .J" ~ '1,1179." FIRST DEI'OSIT NATIONAL lANK NO: 2""""'1"" HI....N..Iq"'.u...OUFI 'I "-IU/llt ',n '0 'I'll 0110111 0' TO RECEIVE A CASH ADVAHCE CHECk LIkE THIS, r~~"~~ ~"~~ U~ IUL~.t~~~ HI IWGUU.~D'.DUUU 2~ HOUAS A DAY, SEVEN DAYS A WEEk. THftHK YOU FOR YOUR IUSINESS I "....0..... SAI"IPLE ..... Ilo.o&.U" SAMPLE ...... , - ACCOUNT NUMBER PA VMENT DUE DArE 4428-0025-1250-4095 I JUN 19,1") MINIMUM PA YMENr II $1)1.00 AMOUNT ENCLDUD 11$ M.II. Ch.ck. ,.y..... To Ani De,"" BARBARA J GRIPPIN DANIEL H GRIPPIN 102 BIG SPRING AVE "1 NEWVILLE PA 17241-1609 YOUR NEW BILLINO STATIM lOfT IS HEREI YOU WILL FIND IT, KA9IKR TO RHAn , BETTER OROAHIZKD HAtlOY II0R RKCOPll JtRII;PINO TRANSACTIONS POlt Dat. DescrIPtion 05-24 PAYMENT RECEIVED THANK YOU lranuctlon Oat. 05-24 141685131440000011115B8 ~ IOO.OOPY " Noauu PLEASE SBR THB ENCLOSKD BROCHURE FOR DETAILS. VISA GOLD 4428002512504095000970004863290 MESSAGES FROM VISA GOLD POR CUSTOMER SERVICE ON YOUR VISA GOLD, CALL TOLL-FREE AT 1-800-9]]-1221. Prevloul Balance - Credit. - Payments + PurchelBs & other Charges + Cash Advances +FINANCE CHARGE + Late Charg. =NEW BALANCE $4,879.15 .00 100.00 Purchas. OS/25/.) PHONE NUMBER 2' Customer Service 1.800-933-7221 CashAdvanc. " ,,_. ,.- '. ",.,", ,', , , .. " ." PAVMENT INFO"MAtlPH.C'. ..". "" $4.107.36 ,>, ........ . <"."::,1 AccauntNumbe; 4'42:8'O-025~ 12:5-0 .b.,s; 21.90\ CreditUn....'., ..: :'" . .$5:.~Q.,j, Ailaliablo.Crodlt . $US: .060000\: MinImUm Paymtlnt Dill $97.:00' Paymelrt:Due,Date 06/19/;3; ACCOUNT SUMMARY STATEMENT DATE Number of Days In BilOng Cycle Average Daily Balance $805.28 ANNUAL PERCENTAGE RA TE 19.aO\ .00 .00 84.14 .00 $4,863.29 Dally Periodic Rate .OS4246\: 009500000 FIRST DEPOSIT NATIONAL BANK First Deposit is available to serve yOU. Please call the Toll-Free customer service number for balance inquiries or additiona cash advances. We appreciate your business. Thank You! -- ACCOUNT NUMBER PAYMENT DUE DATE 442B-0025-1250-4095 I Aua ~O.l'91 MINIMUM PAYMENT II $196.00 AMOUNT ENCLOSED 11$ M.h Chteh P.y.tN To Flnl o.polh BARBARA J GRIPPIN DANIEL H GRIPPIN 102 BIG SPRING AVE n1 NEWVILLE PA 17241-1609 PAGe 1 "001'07 YES, please protect my account with CREDIT PROTECTION .a described in the plan Su~ry ~hich [ have read. I can cancel at any time during the llrat 30 daya ot member.hip and receive a tull refund. X lnitlal here to enroll. VISA GOLD 4428002512504095001960004954260 HOW CREDIT PROTECTION CAN HELP YOU: Credit Protection can defer your payments for up to nine months if your income is interrupted \becauSe you become unemployed, sick, or disabled. AND THERE'S MORE... I' Your Plrst Deposit Credit Rating is protected while your credit Protection Plan is activated. . Credit Protection costs ju~t 39 cents for each $100 of your outstanding balance. I- Enrollment is easy. Just initial the box above and send it with your payment. I Please read the enclosed brochure and plan summary for complete details. , MESSAGES FROM VISA GOLD YOUR ACCOUNT IS PAST DUE $97.00. THE PAST DUE AMOUNT IS INCLUDED IN THE MINIMUM PAYMENT. PLEASE REMIT IMMEDIATELY. POR CUSTOMER SERVICE ON YOUR VISA GOLD, CALL TOLL-FREE AT 1-800-933-7221. TRANSACTIONS POlt Date Description 07-26 LATE PAYMENT CHARGE Transaction Dato ~ 13 .00 ---' 07-26 FIRST DEPOSIT NATIONAL BANK First DeRosit is available 24 hours a day. If you neea any essistanc.e with youlr account, Rlease don't heSitate to cal our friendly customer service representatives. They are always available to serve you. --- ..... "--.--.., -.---- --.-.----- .._-_._---~--_._-_.." --- S~Nl --.---------.-------.. --------_.~--_._--~-_._---- . VISA GOLD P. O. lOX 9'56v nANCHESf[R. N. H. 814 730 0310S.,}'560 r= .,,_. -.. ;;:] L--44~R.nn~~.'~~n.~nQ ""] .."". TO VISA GOLD P. O. BOX 9-;60 NA"CHCSTCR. H. H. 03108-9'560 I ~;;.~;: ::~, L'::: "';, I BARBARA J GRIPPIN DAHIEL H GRIPPI" 102 .,G SPRINr. nVE ., NEWYILLE PA 172...1.1609 ........, 'tor::tonll .,IA"....., eMle_ I::'-t~\o":. ~~2S002~125~If095001S92JOIfSII050 "'"o.,.e....'.. 0." DESCRIPTION PAY"EHT P.ECEIYED - THANK YOU LATE fEE REVERSAL TILTON HH LATE PAynEHT CHARr,E OUR ACCOUNT IS PAST DUE s93.23. THE PAST D PLEASE RE"I FOR CUSTonER SERYI CALL TOLL - FREE NT IS JNCLUDED I" THE ",",nU IATEL Y. . OUR VISA GOLD. 0-CJ33-1221. .....oot..c._ 10" REFERENCE NUMBER 11f1685'32390V0000672269 7~'6S-;IJ2IfJI8IfZIfJ001702: '.- ,..c.."" ............., 08-Z1 OS-31 09-01 08.21 OCJ-07 F.. A"O '""E E ON T t-8 '-00.65r ')1.0<1C 13.00 PAYNENT. l AVERAGE CAlLY BALANCE 0.... _ ""'OOC.." ",..:,.._..., ... 1f1f2800251250"'095 ...""""......... '''QlII .........,. ... . ... c..oo...... . :"""...".". . C...._acll '_,c_ . INI'I. C\o'-o 0." 7. ........... Ou' .~. .~,,~ "".,~C, c~.u 1Hf'0. .1 pro."," '" .0... e.......'_. .. ..ll ".11I" ~o~... ,~'. .~" .~" .~, ,,,.~. e.... ....~u c_,u ,0>0 d. '1 '0"9 .. .... ..... ~"o:J.' ...".0'. .... ~.'''O' "I. ,..,. C~'C. ,.. P" .0... C"d" .ccO..... ..,~ I.... a.p....' "".0".' ..~. ...". .... .~.. ....0 '0' ''''w'. ......~c. tJ.'~ ........... . ...ll..... '..........1..... -.......,... ...........""'11..' , -'Ill........ .. .:.,.U......, '" FIRST OEPOS" NATJONAl BANI> 1......,..".... . ""~ ..... ......~...... 1)1/4 '0 ~ = .. .... ,... ...,.... ...., ..... ,.. ...., III ".,... ".,,, ,. ,......t. .,. "'...... L ~. 'III'" v V V V V V V CHECK HOT VAL I D GOOD STANDI"G 000 III ODD g gIg g nnn "1 DDD UNLESS ACCOUNT 15 OPEN. IN AND HAS CPEDIT AVAILABLE. . " ..... '., ,. s ""'''. __,.,,,. ."'. ~ : ? ...............,.........................,.,......................,.. .'. _~.!...._~L:!QJ..L.!.!_!.!..!....____.__ ........ ..... VOID ..... .02'1 , - gy; "..., 0." OS-. 09-' 'YOI , .-- AVE ... ~}l '. '" ~ = . " : ? ~ " . (" ..r""llIll ~ ~ , I . u f <- . ~ , " . . I STA1.EII~:1 :-~- -------.:...===--=:-===_ ,--- ---- -----------..---- --------.- - ---- ~---- ----- ---..-. -....---1-__- VISA GOLD fl. O. lOX "60 "~NCH[ST[R, N. H. 03108-"60 E ~C~I~. ~~OQ~~.I~~n.~nq~ ~~7'; ~~ ~~~, I I ...~~ -:;;j I'-"~'~" I ......."..'c...r. I::"TA~\.,':, .."", 10 VISA COLD ,.. O. lOX '1'560 """CHESTER, N. H. 03'08."60 IARIARA ~ CRIPPIH DANIEL H CRIPPIN 102 lie 5PRING AYE " NEWVILLE PA t7Z~I.f60' ~~Z8002'51250~O"OOO"OOO~771660 ~t.'IAl""'.1 .. ~'. DESCRIPTION 1HANIe YOU HAPPV HOLIDAYS FRO" Al FOR CUSTonER SERYI CALL TOLL-FREE '-:.:'- REFERENCE NUlABER 11-26 7~168'IJ3JJOOOOO"307J6: Of U AT FIRST DEPOSIT! : , [DN OUR VISA GOLD. t T '-8 0.'3)-7221. : , , , , , , , , , , , , , , , , , , , , "-2' PAynE"' RECEIYED . '..C"OIl AVERAGE OAIL Y BALANCE _. - ..ago,:; "'I ..~.._.... ~~28002'1250~O'5 'il70.0 . C"OI'I'" ..... ....-......-""C. (;"01" ,.....",. . r.. c.... .....c. c:;,,"" ...... '. .........,.. ,_ c..._. ..."'...... ._,..........",......c..".....c.c"".,.........,.......,....... c...,.. ....,.,,,. .0.. cl."GI......... e...c. '0"., ,.... e..".'uc...... ..,.. '''11 0. I.' ....._.. ..". ~..I. I... ,.... II... '" '..I..... .".._. oor. ........... '..fr..'" e..tII,.......... ClotaoOOA" U."_1IItI1 "'''''''''DVI '_I~. ........."... . . ...-...- 'n"''''DlAO.1I - ".IUl.'OCI., F!ASJ DfP,JSIf NAJIONAl SA~l( 1....,..........., "''1'' ..... ............. ~U" NO " H'll1'" ~I' 'I) '''' '''LI'"',' ~n .~i'~YE A ~.9Y ~DYQ~i' ~H!C~ hl~~ TgA~' LEA A L U L .~ A . O. ~. 0 ._-_._-~. HOURS A DAY, 5[Y[N DAYS A W[fJ(. s ~I),. . A!'; THANK YOU FOR YOUR BUSINESS 'I'Y.fUUmSAl1PLL._t.U..!i- " ,....."! '-.S1Iftl'l.LH.ll.L. -.-------- - ,0....,....., 9&.17P . I I J SI. 73D '1'1ll. I SrA~ r--' ~L".C" CIO'I ." ,- I'.e.... .....,..., ."1.'.,. ....,..1I D." _ ',n.. , .r;j"- ~ ~ , . " ~ o .' . ~ g ACCOUNT NUMBER 4428-0025-1250-4095 '-l~ I BARBARA J GRIPPIN DANIEL H GRIPPIN 102 BIG SPRING AVE "1 NEWVILLE PA 17241-1609 PACE ::z VISA GOLD 4428002512504095000950004755600 ACCOUNT SUMMARY STATEMENT DATE Number of DIY' to BIlling Cycle 02/07/94 CUSTOMER SERVICE PHONE NUMB J3 PrlvloUI B.lance -Credit. - Payments + Purch.I.1 & other Chlrg.. ... C..h Advenc.. + FINANCE CHARGE + uti Ch.rge . NEW 8ALANCE $4,760.28 .00 97.82 1.800-933-7221 Purch... C..h Advenc .00 .00 93.14 .00 $4.755.60 CaUy P.,lodlc Rate .OS4:z46\ PAYMENT INFORMATION $4,OB5.98 Account Numb., 4428 0025 21.90\ Credit Line A.allabl, Credit .060000\ Minimum Payment Du. P,ym.nt Due o,ta 1250 4095 $5.000 $244 $95.00 OJ/04/94 Averao. Dally Silane. $683.80 ANNUAL PERCENTAGE RATE 19.60\ 009595000 0184 H412 FIRST DEPOSIT NATIONAL BANK First Deposit is available to serve you. PleC\se call the To)l-Free cus.tomer service number for balance inquines or additiona cash advances. We appreciate your business. Thank You! --- '", . .. HII'" ~U, - - ,.. lO '. .. "l' r 1 I il'J1' ~. ": .Q"~,'r e'f V .. --;ZIC;;;;;~. - - .. :' .Cl' CI I) 10' "'b,; ......w( :'1'[. " ,. .a ......,: " I .1j,ttl " . ~. .,.~ I)ott'\ 12'\0 "0""\ t ;;;-~;-:' I~~' j I ~--- -=1 '1'\.00 ....ll! ". ,..,.u~ . i_I".!" ,.":[~ ~ ~.I~P:" 'Ol If~ ~P.'''~ .~l I' ..(w":. ~ [.. . "Z"" ....9' ;- --=>.~a J O\.___~r. .::".,~. . .:11 -"l'" E":....."lq...... "':1' '')~.. '!!~6f' ~~ 1,.8 .5' t ~IU . ':11 "A~r '. ~"r .,11 ;. ~ Q)J 'p1 ~NCE',NU"iiiiA '-Mnijr"-'" + _~'~.~.-1 "f)f)~r:n' 611 .. '6 t 1'''' r' 4ND 'l-e OA"4(,( ro~ ,~ DAlS '. . t-.."l_ . ,... roil t uSE I , I I ! " i I . .,111,:,...(1t' DE~.~~.;Iqi. IIIf'(:.[:, ....a". "lL' "-. r "P .)",.,,1'\ Q" ~r. '. ',> ::.'~..!:. ..-.... -..........'--., .~ :;~t~1f."~ , . . ..:::::-.' -~1'~._. .;.._,. "."T' .....:'!'1r:~..' ?~~..')q" "'---, 'j' e.D" oi~... __'1..... ~"",.'i" :.:..1;;';1 :.:.:d_...l.l -- . .. .... .......' - "'1 ilAM-" ;t' ~;' r"L.2..::...:.V':! c_..._u';~'. .........;.., ~'-:r _ ::.='...::. .!.....-.Zf":.~ .- .. ", _!,,~~ ~~;.r.~l~"'- ~ ~-~~. -'-:~"'-.. ....... ,_ 1"m.,Rj!_ .R:tt: ' 4 . ; J. ,3,;;;..; . .. ,,:. U f ..awl....:l"ll..L..;.: ..1:;": .:~ ~ ;~.."'.. . :..-. ..' --'..... ,... . 1'~" .....0.:.:'..;... ....~. .....~' ~'" :~:. . .,. - .... ... .,.... . .'.... 4 ..-1.: AyE' .,......... . Or..../j;;.. .. ~::. . ,... .:~ . "_~6oI"~f : A ,;....; 9"l. .....I.f, ..' ...... ......... ....... "~ , .... ~J8 ~~..'-_,~':...=-.;,.=-~ !'~ ','" . " " :~ .iL-l.~,~ rt -,,-,,< rt=~ .>IJ'.'-.~.'-L:lll", ~, E ~Sf : III ~ J'f~:. rlfE':" !"r:1 1J6'~ ';':11';1' .!-.. ~CU!.:. ~ :f!- H,~t.." D~":; '\ Ittt~_ . ...... -, . 'J" 3 ::::..,,~. 'i , .... -. ,. -.. ..... 40-"" ;....... ~ ,.,.. . . . ...... V ISA COLD ,. o. lax 9560 "~"CH[5TER, N. H. occo... ......... r ,~~ .....2.. SlATEII I '~ATEIIENI . 03101."60 ~~~..ftft,~.t'~n.~n~~ IARI.RA J CRI,',H DAHIEL H CRI"'" 102 IIG SPRIHG AVE "' HEWVILLE'ft 172~1-160' I ~'::".:. 7~.. I "-:~::n I ~ '~-'.J "'... .... C04" '::"t~'-c::, ,..., '0 VISA GOLD P. o. lax "60 "ANCHESTER. N. H. 03101"'60 ~~21002't2'0~0"OOO'3000~6~6t20 ...01''''.... ...DlUCM MI." .. 0~'21 DESCRIPTION 'AY"E"T RECEIYED .. THANK YOU RE"INDER. YOU CftH ORDER "ORE 'ERSoHALIZ FOR CUSTOMER SERYI CALL TOLL-FREE .-- ~" 0....27 D CHE E oH T '-8 REFERENCE NUIIBER 7""61"""7000000121072 . KS FREE IY CALLI"G THE ~UMIE OUR YISA GOLD, 0"'3J-1.221. C..C 'III' ....At ., . 101. ,,, IELoWI .............. ...-..... n,nII(lItOUlQ.l,lI ...~.. AVERA' AVERAGE DAILY BALANCE "~""",,, - -...... . 5SI.....O .. 0. . ...oa5.3 ,...CI"~. C-. -.. ........,. .--- ..-..... -- -.... ."'.......--..-...... -...... ..,...."'" ~~:;..'~..:~.IU_;, Y.:'~7-=":.~" C.'=III~ :,.:. '='h.~:::~.':'=' 0&1. ..._," , .......,. eMlII' ,... "''''2800251250'10'' .._-....c:I UillII'. ..",lIn ~"" U.lllt ",,_Aal aOllCl DAti AT 0 ,1 ,...."'- . u..._...:a,.. -- ... ~ -- ~~:..~r ..~ - ... _t It'DlU,CM It'O'U'" "fill . FIItST DEPOSIT HA TIOHAL BAHIi' 2........11.... 'oIl...,...tq..........OU,. H<> . . ~ ~ ~ t..,)tIlU = . .,.. '0 'HI ..... '" ~~~:~~E~:~LAU~A~~L~~~:~~ER~H~~:U~!;~~!~A~~ 2~ HOURS A DAY, SEVE" DAYS A WEEk. THANK YOU FOR YOUR BUSI"ESS . . u . u oou""" I " a : . ; ~ ,;, : "11olO..... S/ll1PLE ..... s~"",. SAftPLE ..... ~ ;; ,;, . . u o . .J06 , - 1s~~1EII~N' -~ I . I'TAI VISA GOLD ,. O. lOX "60 """CHESTER, N. H. 03108.'~60 614 730 c-=-_ ~'~I ........ ~'..nn'~.t'~n.wn.~ I ',::'~;~ ~:~. I I "~:~-':n I I'-"~"'" I ~~21' ......' 'I VIS" GOLD P. O. lOX "60 ""NCHESTER, N. H. 03101"560 J"RI"RA J GRIPPI" Dlll"JEL H GRIPPI" 102 IIG SPRinG AVE II HEMY'LLE pft 172.'-1609 .. "'.... _MI t14'. '~"'&\..::I ~~21002'1250~O'5000'3000~637300 ~ ........... .;;:p;;r. Do" os.J, ~c."a( DESCRIPTION 'AYftE"T RECEIYEO - THftHK YOU RE"I"DER: YOU CftH oROER "ORE ,ERSoHALIZ FOR CUSToHER SERYI CALL TOLL-'REE '-='. REFERENCE NUMBER 05-3' 7~168'1~1'IOOOOOI'603011 , o CHE KS FREE IY CALLI"G 'HE ~U".E E 0" OUR VISA GOLD, : T ,.a 0-'33-7221. I , . . , . , . . . . , , , , , , , , , , , . 1Il.c..~, ....."......., 100.12' IELoM' M' 0'-0\ 06-0 AVERAGE DAILY BALANCE D"'" _ I'tIllUDC b'l "....,... "'I ~~28002"250~O'5 - 57' 0 ... " 80' . .. . . I ., '" ~"'C.IIIl)t'''W''''.'''1 '0' ..... .....u to.u a.oH o' ....""" .'" ,.... ,_...._. ... __, ....,.. 6 ..........,......"...,.._c........M.C_.'........,.............. '.,........0.. ..0..'.....0...."...'''.'.'011..'0...'...,1.''0..''. ..,~ ,.... D. ..1 "".0",'11.". "..... u.. ,,,'. Ih.o '0' ........ ......"" :'I... ....0..".. "..-'- '''011 ~... ::l". ~ Clot_OIlI N ,1 CJIf .-........- . 93. .""1'"DutOIlI ...-....-"".. C:"'1II1~ .........,. AVER .. .........10(1 ~ , , , ~ 11..,'u' ........,.. ,'"lo" .,'..,.. n.., ....... ..._..1..... ,............. "..-..... '_10;_' , ""......."1111 I I , ! .,('1"'." 'IRST DEPOSIT NATIONAL BANK 1.."......".11 ."O......"....DI"..:lll', _0 ~ ~ __'''_. ___ \4'1':'" , ~.. .., '.., .......n+ '2 R~~E~YE ft ~A5a ADYQ2~E CH~C~ bIK~'~~~' ~ ~A A L U I LL.~ AT. D .~. 0 21f HOURS A DAY, SEVEN DAYS A WEEK. THANk YOU fOR YOUR BUSINESS . . u :...,....\ ~ . : ~ : ~ , . YIU.'tl.,,~I..L-"'" . ~'I.MM'_ SA"PLE ..... ~ ~ .012 u , r -- ACCOUNT NU"BER PAYMENT DUE DATE MINIMUM 'AYMEHT 442B~002S.1~50-'I091j AUO )O,U94 II 'U,OO AMOUNT ENCLOSED 11$ M.k. Check. 'a,a" To Am Ihpo,lt BARBARA J CRIPPIN DANIEL II CRIPPIN 102 BIC SPRINC AVE _I NEWVILLE PA 17241.1609 Ye., I would like Credit Protection for my account .. duer ibftd In the l!mclond Plan !:u"""..-y. I can cance 1 at any 11m., durinq tho tiut )0 day. or mnmbarahip and receive a rull retund. "004'~' x Initial here to enroll. VISA GOLD 4428002512504095000920004592230 HOW CREDIT PROTECTION CAN HELP YOU: If you loae your income because you become unemployed. sick or die.bled. Credit Protection lets you defer your payments up to nine tull months. I AND THERE'S MORE... . Your credit rating with pirst Deposit 18 protected while your Credit Protection I plan la in effect. . Credit Protection costs just 39 cents for every $100 of your outatanding balance. I_ Plus enrollment is easy. Just initial your acceptance above and aend it with your payment. I For complete details, pleage refer to the enclosed plan Summary. , TRANSACTIONS Poll Date Oelcrlptlon 01.21 PAYMENT RECBIVED THANK YOU Tranuctlon Date 07.27 74168514208000000300122 ~ 101.18PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE $4,592.23 Prevloul Balance $4.617.16 1-800-933-7221 Credit Une $5,000 -Credits .00 AvaRable Credit $407 -Pavmentt 107.18 Account Number 4428 0025 1250 4095 Minimum Payment $92.00 + Purchal" & Payment Due Date 08/30/" other Cherges .00 Average ANNUAL Dally + Ca.h Advances .00 Type 0' Balance Dally PERCENTAGE Periodic St,t8mIollID,te +FINANCE CHARGE 82.25 Balance RATE Rat. 08/0S/.. + Late Charge .00 Purchue $538.11 19.80\: .0542\; 30 DIY' In =NEW BALANCE $4,592.23 Cash Advance $4,082.98 21.90\: .0600\; DIllrlgCyc'- 009696000 0184 0412 FIRST DEPOSIT NATIONAL BANK First Deposit is available to serve yOU. Plellse call tile Toll-Free customer service number for balance Inquiries or additiona cash advances. We appreciate your business. Thank You! ~ ACCOUNT NUMBER PAYMENT DUE DATE 4428-0025-1250-40951 OCT 01,19" MINIMUM PAYMENT I I S92.00 AMOUNT ENCLOSED 11$ M.k. Ch.ch P,y.bIt To FI,.t Deposit BARBARA J GRIPPIN DANIEL H GRIPPIN 102 BIG SPRING AVE n1 NEWVILLE PA 17241-1609 NOUlll VISA GOLD 4428002512504095000920004577670 MESSAGES FROM VISA GOLD REMEMBER I PIRST DEPOSIT VISA GIVES YOU VALUABLE BENEFITS HOST CARDS DON'T OPFER! YOUR CARD 1m5 A LOW MONTHLY PA'tMENT OPTION AND NO TRANSACTION PEES OF ANY KIND. I , TRANSACTIONS Post Date Description 09-01 PAYMENT RECEIVED. THANK YOU TranaactJon Date 09-01 74158514244000000222215 ~ l02.23PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE $4,577.67 Previous Balanca $4.592.23 1-800-933-7221 Credit Line $5,000 - Credits .00 Available Credit $422 - Payments 102.23 Account Number 4429 0025 1250 4095 Minimum Payment $92.00 + Purchasus & Payment Due Date 10/01/" other Charge. .00 Average ANNUAL Dally + Cash Advance. .00 Type of Balance Dally PERCENTAGE Periodic ..........- +FINANCE CHARGE 87.67 Balance RATE Rate 09/06/94 + Lato CharGe .00 Putchas8 $517.64 19.80\ .0542\ 32 alylh . NEW BALANCE $4.577.67 Cash Advance $4,097.72 21.90\ .0600\ BIlIIntlCydll 000000000 0184 0412 FIRST DEPOSIT NATIONAL BANK First Deposit is available to serve yOU. Please call the Toll-Free customer service number for balance inquiries or additiona cash advances. We appreciate your business. Thank You! - ACCOUNT NUMBER PAYMENT DUE DATE 4"~O'002~ 1250."0951 OCT 30,1'" MINIMUM PAYMENT I , $91.00 AMOUNT ENCLOSED 11$ M.Il. CtI.ch P.y.tIIe To Art.e.po.1t BARBARA J GRIPPIN DANIEL H GRIPPIN 102 BIG SPRING AVE #1 NEWVILLE PA 17241-1609 NOO~04!. Yes. I would like Credit Protection for my account 4S de8cribed in the enclosed Plan Summary. I can cancel at any time during the first 30 dayu at membership and receive a tull refund. X Initlal here to enroll. VISA GOLD 4428002512504095000910004564990 HOW CREDIT PROTECTION CAN HELP YOU: If you lose your income because you become unemployed. sick or disabled. Credit Proteccion lets you defer your payments up to nine tull months. I AND THERE'S MORE... I. Your credit rating with Pirst Deposit is protected while your Credit Protection Plan is I in ettect. I. Credit Protection costs just 39 cents for every $100 of your outstanding balance. I' Plua enrollment is easy. Just initial your acceptance above and send it with your payment. For Complete details, please refer to the enclosed Plan Summary. , TRANSACTIONS Post Date Description 10-03 PAYMENT RECEIVED THANK YOU Transaction Date 10-0J 74168514276000000142307 ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE $4,564.99 Prevfous Blllance $4,577.67 1-800-933-7221 Credit Una $5,000 - Cr.dfts .00 Available Credit $435 - Payments 92.00 Account Number 4428 0025 1250 4095 Minimum Payment $91. 00 + Purchases & Payment Due Date 10/30/" other Charges .00 Average ANNUAL Dally + Cash Advances .00 Type of Balance Cally PERCENTAGE Periodic Stlt."tntDII. +FINANCE CHARGE 79.J2 Balance RATE Rate 10/05/" + Late Charge .00 Purchase $501. 32 19.80\ .0542\ 29 DIY' In ~ NEW BALANCE $4,564.99 Cash Advance $<1,104.90 21.90\ .0600\ BIlIIogCydl 009696000 0184 0412 FIRST DEPOSIT NATIONAL BANK First Deposit is available to serve YOU. Please call the Toll-Free customer service number for balance inquiries or additional cash advances. We appreciate your business. Thank You! --- ACCOUNT NUMBER PAYMENT DUE DATE 4428.0D25.'~50.40951 DBe 02,1'" MINIMUM PAVMENT , I $91.00 AMOUNT ENCLOSED 11$ Malle Chech P.y.ble To Fltst o.po,k BARBARA J CRIPPIN DANIEL H GRIPPIN 102 BIG SPRING AVE ~1 ~WVILLE PA 17241-1609 HOllin Yes. I would like Credit Protection tor my account .a de.cribed in the enclosed Plan SUmnlary. I can cancel at any time during the ffrat 30 day. of memberohip and receive a full refund. x Initial here to enroll. VISA GOLD 4428002512504095000910004563870 PROTECT YOUR ACCOUNT. . WITH CREDIT PROTECTION Your payments can be deferred..lor up to 9 months.. III you lose your job. get sick or become disabled. IPor only 39 cents per $100 of monthly balance you can..make no payments.. incur no finance charges..enjoy positive credit status. ISimply initial the Credit Protection box above. Details enclosed. , TRANSACTIONS Post Date Description 10-31 PAYMENT RECEIVED THANK YOU Transaction Oate 10-31 74168514304000000152853 ~ 91.00PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE $4.563.87 Prevfous Ba'ance $4.564.99 1-800-933-7221 Credit Une $5.000 - Credits .00 Av.lIable Credit $436 - Payments 91.00 Account Number 4428 0025 1250 4095 Mlnlmum Payment $91.00 + Purchases & Payment Due Oate 12/0./.. other Charges .00 Average ANNUAL Dally + Cash Advances .00 Type of Balance Dally PERCENTAGE Periodic Sllt,,"~D.w +FINANCE CHARGE S9.SS Balance RATE Rate 11/07/94 + Late Charge .00 Purchase $493.02 19.50' .0542' 3) Dlylln ~NEW BALANCE $4.563.87 Cash Advance $4.093.32 21.90\: .0600\: B!lngeyc" 009696000 0184 0412 The CASH ADVANCE CHECK belOW is plovidod 101 vour convllnillncll. We Will gladly honor IhiS and any Ollie: OIhllt cash advance check. you USIl as long liS you nave cledll ilvlti'able. You cnn nOl u:lll Ihis Check fO pay your credil account Wllh Fitst Depos'l Natlonal Bank. ?IellSll save Ihis sfub for YOUt future 1llllllence. Payable 10: Amoonl: S FIRST DEPOSIT NATIONAL BANK 295 Main Str.et Tilton. NH 03276 PAY TO THE ORDER OF 1002512504095 9911 NO. #1101 54.139'1 17 19 $/ DOLLARS BARBARA J GRIPPIN DANIEL H GRIPPIN 102 BIG SPRING AVE ~1 NEWVILLE PA 17241-1609 MEMO SIGNATURE --- f 'i,...T("'[~T i , I i , I I I I j 1 , , STAT( "'lC;~ ';;01..C' P. O. 80" 9ljbl,) "~~CH[srEI. N. H. . ". 1)0 03'(l8-lJ560 .U'''.' ."."1 I .....Z8.00Z'.I 2lJO-'109' ..~~.~. ;~, ;.~~. I .....~, ~.~O I I .....28. ~'31'''8-qS6~' 111111'" ....ISA GOLD P. O. 80)1 9lSbt:' MANCM[SfEI. ~. H. I I I ........, ~..~~.... BADB~iA J GilpPIN DA~IEL H GRIPPIN 102 BIG SPRING AvE .1 NEWVILLE PA 1 ~2~1 -lbl.>9 '~."II ..... e..lt. ,.,..~. ,. 'II" ..",It !.''''lIe. .... I DESCRIPTION Il-Ol PAl~ENT IECEIvEC' - THAN~ YOU ~~Z800Z5'Z5~~091j00091000..1j~8Z30 91.87P """ue . " II .c 12-( " " .rI151 DEPOSIT Coo.OOOTION WILL BE CHONGI:G ;'S TO ~ vE 'ou INFOR"ArION ABOUT THE NAME CHANGE. FOR CUSTOMER SERY CALL TOLL-F'liEE R[HR[NC[ NLf1BEA 12-01 Nt 6851"335000000"521.. cus UR 0/5 BALANCE Cus UR 0/5 FIe eus ASH OIS BALANCE CUS ASH OIS FIe Af1E.T PROYIDIAN BAkCORPl 0 WE YE E CLOSED AN INSER OOk F R FuTURE DETAILS IN you upe MING STATE"ENTS CE ON YOUR VISA GOLD. AT 1 - 00-9]]-7221. .. ....\1.. , ......... FIR! TO I M Uh.' .....u.~ "..'II'C'UI__ "'11 II ~ . ~1,f,280025'250"09 . . 7 AVE AYERAGE DAILV BALANCE , . .. ... .. .0 .. .. " c.u" ~,... . .00 C.III'....'u.U . . I . 'I. 7 . "..e___~_,.__,.,_ __. ....u.._" ------.-------,---- _1_- ...__...._..___,_ ....,....., ., -- - ,_._.........,."...... ~.,_. ..... ...~..., . ,.......1.. ,., ."... er.w-o. . ... ..~.~.. ..... ".'"1''' ., . ~nhC" .UI ~U"I rlRST DEPOSIT HAflOHAL 8AN~ It' ...... .,~.... ,.. ..... ...~ .........~.. on~. I00251250~095 9912 NO: 1201 .. ,.., 11 ,,~ ,... h ,..c o,u. H ..~~ .., BARBARA J GRIPPIN DANIEL M G~IPPIN 102 BIG SPRING AvE .1 ~EwvILLE PA 172~1 -1609 "I". ."...,.." . H18 - ACCOUNT NU..IER FAVMfNT DUE DATE 40128-0025 12!iO..1095 f JAN )O.~ MINIMUM PAYMENT I CRlwn BALNICI AMOUNT ENCLOIED 11$ M.h Chech '.YIW. To Fln' Ot"'" BARBARA J GRIPPIN DANIEL II GRIPPIN 102 BIG SPRING AVE .1 NEWVILLE PA 17241 1609 HOO'l". VISA GOLD 4428002512504095000000000000001 WELCOME TO PROVICIAN BANCORPI We have an exciting scheme of events planned to thank you for being A good customer. BncloBcd i. a .pee!el gift offer from Alamo car rental with special ratea for IProvidian customer.. As .lw4Y~. tor your convenience we have included a check that you may u.e any Iway you wish. We are Glso providing a preview of your new account statement. See enclosed inserts I for detaUs. , TRANSACTIONS POlt Dat. O'.crfotJon 12412 PAYMENT RECEIVrO THANK YOU Tranaactlon Oat. 12-12 74168514346000007080423 ~ 4.563.87PY ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE $15. /i4CR Previous Bal.nee $4.548.23 1-800-933-7221 Credit Line $5,000 -Credltl .00 Available Credit $5.000 - P.yments 4,563.87 Account Number 4428 0025 1250 4095 Minimum Payment $.00 + PurchlSes & Payment Due Oat. 01!30!95 other Charges .00 Average ANNUAL Dally + Cash Advances .00 Type of Balance Dally PERCENTAGE Periodic SlItwI.....D.t. +FINANCE CHARGE .00 Balance RATE Rate 01!05!95 + Late Charge .00 Purchase $.00 19.BO\ .0542' 31 D.".1n = NEW BALANCE $15.6.aCR Cash Advance $.00 21.90\ .0600\ BIlInoC"dI 000101000 01B4 0412 The CASH ADVANCE CHECK below is plovrded 1M your conveniel"Clt. We will gllldly honor thiS and ally OllIe: other clsh advonclI check you USlI II long o1S you hay. credit ayailable. You can not use Ihis chltct 10 pay your c,edil accounl wilh Firsl CejlOsll Nltional Bank. PI,ase save Ihis slub lor your IUlure "f'rence. Payable (0: Amounl: S FIRST DEPOSIT NATIONAL 8ANK 295 Meln Street Tilton. NH 03276 PAY TO THE ORDER OF 1002512504095 9901 NO.#0101 54.1391117 19 $1 DOLLARS BARBARA J GRIPPIN DANIEL H GRIPPIN 102 BIG SPRING AVE #1 NEWVILLE PA 17241-1609 MEMO SIGNATURE -- ACCOUNT NUMBER PAYMENT DUE DATE 4428-0025-1250'40951 APa 01,19'5 MINIMUM PAYMENT I I CREDIT BALANCe AMOUNT ENCLOSED 11$ M.h Ch.ch '.Ylb.. To Fir" D,pollt BARBARA J ORIPPIN DANIEL H ORIPPIN 102 010 SPRING AVE HI NEWVILLE PA 17241-1609 YOUR NRW CREDIT tARO WILL BE ARRIVING SOONI HO~UU 4428002512504095000000000000001 Pl.... r..d your new encloa.d VISA Gold benellte brochure. ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE $15.64CR Prevloul Salance SlS.G4CR 1-800-933-7221 Credit Line $5.000 -Crodlll .00 AvaUable C,.dlt $5.000 - Payment. .00 Account Numbe, 4428 0025 1250 4095 Minimum Paymont $.00 + Purch.... & Payment DUI Oat. 04/01/.5 other CharO" .00 Average ANNUAL Dally + C..h Advance. .oc Type of Sarance Dally PERCENTAGE Periodic II.tlm.nIDI1. +FINANCE CHARGE .00 Balance RATE R81. 03/07/95 + Lat. Charge .00 Purchase $.00 19.80\ .0542' 29 D.y.1n - NEW BALANCE $15.64CR Cash Advance $.00 21.90\ .0600\ BWlngC,c" 005151000 0184 0412 Ttwt CASH ADVANCE CHECK below Is ployidad 101 you, cOllvelliellte. WlI wlJlg'adly honor this and any Dalll: other cash advanca cNck you use as long as you have credit available. You can not use this check 10 pay your cteditaccount Wilh FirSI Deposil NalioruJ Balik. PleaslluvlIlhi, stub lor your lutu/8 relerence. Payable to: AmOUI\I: . FIRST DEPOSIT NATIONAL BANK 295 Main Street Tilton, NH 03276 PAY TO THE ORDER OF 1002512504095 9903 NO.H0301 54.139'1 17 19 $1 BARBARA J GRIPPIN DANIEL H GRIPPIN 102 BIG SPRING AVE HI NEWVILLE PA 17241-1609 DOLLARS MEMO SIGNATURE ....... ACCOUNT NUMBER PAYMENT DUE DA TE 4428.0025.1250'40951 APR 30,19" MINIMUM PAYMENT 'I CRIDIT BALANCI AMOUNT ENCLOSED 11$ Mill, ChIC" Ply.bl, To Fir.. CIPOlh BARBARA J GRIPPIN DANIEL H GRIPPIN 102 BIG SPRING AVE "1 NEWVILLE PA 17241-1609 Ye.. I would like Credit Protection tor my account .. de.cribed in the Plan Summary t received. I can cancel at any time during the firet 30 day. of membership and receive . full refund. NQOHU x lal Initial here to enroll. VISA GOLD 442B002512504095000000000000001 PROTECT YOUR CREDIT RATING ANO ACCOUNT WITH CREDIT PROTECTIONI If you lose your job, get lick or become disabled you canl Make no payments...lncur no interoat.o.Keep your credit rating curr6nt....for up to Icredit Protection 18 only 39 cents per $100 of your monthly balance. Simply initial Protection Box above. Details enclosed. , 9 full months. the Credit ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER 1-800-933-7221 PAYMENT INFORMATION NEW BALANCE CredIt LIne Avall.bl. Credit Minimum Payment Payment Due Date ANNUAL PERCENTAGE RATE 19.80\ 21. 90t II.tlm.mD.t. 04/05/95 29D'Ylln BIlIIngCy~ $lS.64CR $5.000 $5.000 $.00 04/30/95 Prevloul aalance - Credit. - P.ym.nt. + Purcha... &: other Charges + Ca.h Advances +FINANCE CHARGE + Late Charge = NEW BALANCE $15.64CR .00 .00 Account Number 4428 0025 1250 4095 .00 .00 .00 .00 $15.64CR Average Dally Balance $.00 $.00 Dally Periodic Rat. .0542\ .0600\: Type of Balance Purchase Cash Advance 006161000 0184 0412 The CASH ADVANCE CHECK below is p,ovided '0' you, convenience. We will gladly hono, this end any Date: olhetceahlldvancecheckyouu5enlongasyouhavecledit.vallable. You cllnnot use thiS check to PlY you, credit account wllhFltsl Deposit National Bank. Please save this stub 10' your Iutufe rolelonca Payable to: Amount: , FIRST DEPOSIT NATIONAL BANK 296 Main Street Tlllon, NH 03276 1002512504095 9904 NO.#0401 54.139/117 19 PAV TO THE ORDER OF $1 DOLLARS BARBARA J GRIPPIN DANIEL H GRIPPIN 102 BIG SPRING AVE #1 NEWVILLE PA 17241-1609 MEMO SIGNATURE --- STAf[I1EHT ". VISA l;JLD 710 P. O. 80' 9560 r .eeu"'"I1..11 I MANCHES'E'. o. M. t)JIOB.II'56Q ~~28.002~-12~O-~09~ ~~i!8- "'11 It. I '~~~..]~: I';~' I VISA l;DLD P. O. BOX "60 . I1A"CHES'[.. o. M. OJI08-9'56(\ ~ ;...~: ..~ I R[D' lA C[ BA'-AllA J c;llIPPIN I ""wy., '''HWW'' I , DANJ.El H GlUPPIN 10Z 0Ir. SPllING .vE ., , NEWVILLE P. 112"1 -I 609 hlUI 11111 IlIlell ,rA't'M.','" 4~2800251250~O95000000000000001 , ..-IIUIIl"II' DESCRIPTIOH RErEREHCE Hl.t18ER . CUSfOMER SERVI E ON Out VISA GOLD. . FOR CAll TOll-FPEE I 1-8 0-1133-'1221. . .' AVERAGE DAIlV BALANCE 11I1'" ..."." ~ .(tIlIlC.lln -- ~42800?51250~O95 -- 'W'.'" .M .M.:;:: ,. .n. ~ "..- CII'~~~~Il~ ,r1,,'b, ":In nlll111 .. ._"__n on .,.n. :"""o":"'d~':' '.'~"~~"'_: . ~."'::':..o:::..:t ~.:-:~';.:"....."".:"'.:'":. -."';:""':: PilUlllf'''1 ~. =;:t........,':.=-...~:i'. - r.N":".Z:--,:-.J.::-::' ,.................. . . . ..... ...y.to, ... ..".~., ...... !r:~':U~n"~1 '.'1 .. ...e. ,"...,1" y ,I III III"""U.' ""111011""111 FIRST DtPO.IT N~'ION~L '~H': 10025' 250..095 9905 MO, 0501 .n ..... "~,,, t,. fI... II,.. "......,~" IJI" " U'UI~n1 ..." "'1 .nn ., . UH'" BAR BAR A J GCZIPPIN DANIEL M G;lIPPIN 'OZ BIG SPRING .vE ., NEwvIllE .0 1;'2~' ~16/)9 "I'" IIG....~U . ~16 -' STATE~I ...-.. -.... .....rI....lI. . . "'1I' _ . , .:"11"1"" ACCOUNT NUMBER PAYMENT DUE DATE 4428-0025-1250-40951 JUL 01.19" MINIMUM PAYMENT II 115.00 AMOUNT ENCLOSED 11$ M... Ctted. P.,... Te flll'D."II' BARBARA J GRIPPIN DANIEL H GRIPPIN 102 BIG SPRING AVE nl NEWVILLE PA 17241-1609 tlOlttn VISA GOLD 4428002512504095000150000606640 Save on away from home calling card calls with ea8y-to~u8e Via.Phone Service. To find out more please see the enclosed brochure or simply call I-BOQ'219-VISA today I I pleasc read the enclosed brochure regarding changes to your Viea Benefits. TRANSACTIONS POlt Oat. Ollll:rlDtlo" Tranl.c.lon O.t. ~ 05-10 CREDIT BALANCE REFUND TILTON NH 05-10 74168515130034469890000 15.64 105-15 CASH ADVANCE PROM ATM - 1009150/9 BIG SPRING AVE NEWVILLE PA 05-13 74301835133559320661510 6011 200.00 105-22 CASH ADVANCE FROM ATM - 1009150/9 BIG SPRING AVE NEWVILLE PA 05-20 74301835140559542520917 15011 200.00 105-29 CASH ADVANCE FROM ATM . I 1009150/9 BIG SPRING AVE NEWVILLE PA 05-26 74301835146559608411215 6011 200.00 , ACCOUNT SUMMARY Previous Delance - Credits - Payments + Purchases & other Chargn + Cash Advances + FINANCE CHARGE + Late Charge aNEW BALANCE S15.64CR .00 .00 CUSTOMER SERVICE PHONE NUMBER 1-800-933-7221 15.64 600.00 6.64 .00 S606.64 Purchase Cash Advance Average Celly Balance $.00 ~345.63 PAYMENT INFORMATION NEW BALANCE Credit Line Available Credit Minimum Payment Payment Due Date ANNUAL PERCENTAGE RATE 19.80\ 21.90\ $606.64 $5.000 $4.393 $15.00 07/01/95 Account Number 4428 0025 1250 4095 Type of Balance Dolly PeriodIc Rate .0542\ .0600\ StlltmantOI1. 06/06/95 32 D.y.ln allllngCydll 005656000 0184 0412 TIl. CASH ADVANCE CHECK below is plovldad lor 'lour convenience. W. will gladly 110110. this and IllY Oate: otllerc.shlC:vlnC8check you usa IS long u you hive credit Ivaillbl!l. You clln nOlllSlllh,s check to pay your credit account with First Oeposit Natiollll Bank. PI"S., save this stllb lor Vour !lI!lIIllllfllrence. Pllyablllto: AmOllnt: . FIRST DEPOSIT NATIONAL BANK 296 M.Jn Str..t Tilton. NH 03276 PAY TO THE ORDER OF 1002512504095 9906 No.n0601 54-139/117 '9 $1 DOLLARS BARBARA J GRIPPIN DANIEL H GRIPPIN 102 BIG SPRING AVE #1 NEWVILLE PA 17241-1609 MEMO SIGNATURE -- ACCOUNT NUMBER PAYMENT DUE DATE 4428-0025'1250'40951 JUL lO.199> MINIMUM PAYMENT I I '29.00 AMOUNT ENCL08ED 11$ Milt, Chic" ,.y.b~ To fh" D,poll1 BARBARA J GRIPPIN DANlEL II CRIPPIN PO BOX 321 NEWVll,I,F. PA 17241-0321 Il010lH VISA GOLD 4428002512504095000290001447680 TRANSACTIONS POlt D.l. D'lcrlDllon 06-12 CASH ADVANCE FROM ATM 1 IS6S211/NOBLE , S. WEST S CARLISLE PA 06-13 WAL~MART 188600001886 MECHANICSBURG PA 106-19 WAL-MART 188600001886 MECHANICSBURG PA 106-22 GIANT POOD #12 CARLISLE PA 106-26 CASH ADVANCE iROM ATH . 1009150/9 BIG SPRING AVE NEWVILLE PA 106-26 CASH ADVANCE FROM ATH - 1009150/9 BIG SPRING AVE NEWVILLE PA 107-03 PAYMENT RECEIVED -- THANK YOU 07-05 .. l' PURCHASE REBATE .. , Tr.nllctlon 0'1' ~ 06-24 74]01835175559640940619 6011 I I I I 200.00 I I lOO.OO I lO,OOPVI 1. 5leR I , 06~lO 74]01835161559467000816 6011 06-11 24168675163323272027794 5310 06-15 24168615161323304233168 5310 06-20 24301725172501395201574 5411 200.00 60.93 66.34 25.95 06-23 74301835174559518921213 6011 07-03 74168515184000001980232 ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE $1,447.68 Prevloul Balance $606.64 1-800-933-7221 Credit Line $5,000 - CredIts 1. 53 Available CredIt $3,552 - Peyments 30.00 Account Number 4428 0025 1250 4095 Minimum Payment $29.00 + Purchases & Payment Due Date 0'/30/'5 other Charge. 153.22 Average ANNUAL Dallv + Cash Advances 700.00 Type of Balance Oallv PERCENTAGE Periodic 5I1t,,",nID.I. + FINANCE CHARGE 19.35 Balance RATE Rate 07/05/95 + Late Charge .00 Purchase $112.97 19.80\: .0542\: 29D.y.1n = NEW BALANCE $1.447.68 Cash Advance $1,009.65 21.90\: .0600\: BDIlngCyd. 005656000 0184 0412 The CASH ADVANce CHECK below is provided lor yO\jr conveniencll. We wllIlll.dly honor IMIS end any Dele: Olhlt cuh .dvenca chock you USl! IS long es yOu h.v" credit .vailllble. You cen nOI use thiS ctleck 10 p.yyourClediteccount.....ithfil.IOeposiINetion.1Bllnk. PleneSllvelhl,Slubloryour'utwereforence. Pay.bleto: Amount: . FIRST DEPOSIT NATIONAL BANK 295 Meln Street Tilton. NH 03276 1002512504095 9907 NO.#0701 54.139/117 19 PAY TO THE ORDER OF $1 DOLLARS BARBARA J GRIPPIN DANIEL H GRIPPIN PO BOX 321 NEWVILLE PA 17241-0321 MEMO SIGNATURE - jTATEI1U.T ..,ISA GOLD P. O. 80x 9';Elv I1~NC.1ESrE,v. N. H. 0)108.9'560 'UII u. "'ISA GOLD P. O. 80M 9'560 I1ANCHESTER. N. H. Q)109-9'560 BAiBARA J G,vIPPIN DANIEL H GRIPPIN PO BOx 321 NEWyILLE PA 112~I.0321 STATEr 6'. 1]0 PAl;E E UClItIl'..,,"1 J ....28 .l,)OZ~ .12~0-"09~J I ..~~';' ~~, :.~~, I r m",~'.~'~O I I ......u...... I ....2B. '~I"I ".1 e.HI '."hl ,. 'II" ""IH It'..,.ell ..'1 . ....2B002~12~O..095000'90002963860 .....ue.. , 07-0 07-1 DESCRIPTION CASH ADVANCE roVO" AT" I'560756/WEST CARLILSE CARLISLE PA CASH ADVANCE FROM ATM - I560756/W[ST CARLILSE CARLISLE PA SHEETZ INC 70 SHIPPENSBURG PA SEAFOOD HARBOR VA. BEACH VA CASTLE HOTEL ~A BEAC~ VA CASH ADVANCE FRO" AT" - 1009150/9 BIG SPRING AYE NEwyILLE PA CITGD 7.ELEY[N 23..96 BEALETON vA E)lMON uSA 8J2622~600 NEWPORT NEwS yA SU""ER BREEZE YA BEACH YA SHEETZ INe 192 BoveE YA CASH ADYANCE FROM AT" . I560756/WEST CARLILSE CARLISLE FA CELLULAR ONE GREENSBORO NC CRSH ADVANCE FROM ATM - 1560756/WEST CARLILSE CARLISLE FA PAVMENT RECEIYED .. THANK vOU LOWES 00000..05 MECHANICS BuRG " 1" PURCHASE iEBATE " 0':"-1 O?-I 0':"-1 07-1 07-1 07-1 07-1 07-1 07-1 01'-2 07-2 08-01 OB-OI OB-O n n IIIL' .".U.L '"IIIIC..II__ "'..\. . AVERAGE DRILY aALANCE ~ , ... . 7 . . .. ,.,. c_ __ c:r-...... " _,_,..,., _,_ III ,..II .,...... -....----.-...-----,....--- -, -.-. ,...- - "'.-..-..... ....- .,1'1 ....... ,,_,.... 1_. .t_ ,_....._,."....,.. ,.",_. I.,.. ........,. ........,.. I. REfERENCE NUMBER .. ... ... 01-0 7..30183518755961129061 61>11 200'.01> 07-1t 7~301BJ519255960730251 6011 200.00 01-1 Z~0530151915092B120090 55..1 20. 1~ v7.! 2~~01~05!970B6937927661 5a' 53.7''' .')'.1 Z~05JZJ519'50010~1~02)1 5.. 191. ';'B 01-1 7~J01BJ519555952Z7BO~1 60'11 20'0.00 07-1 2"29910'1980'1179277100 55. 1...00 0;0.1 2~897J9'198J571'93a03~ 55. 16.50 07-1 Z"610"~519Ba0836332613 56' 28.19 07-1 2~05)07519952)J65100171 55..1 2~.?~ 07.1 7~)018J51995S959077291 6011 200.1,)0 07-2 2"~2Bl 15205O'1520~B5521 a.. 19.17 07-2 7~3018352075S956B"3091 60'11 200.00 OB-O'l 7~16B51S21)000000212B" 5a.00P PA 07-3. 2~J99O'05212213505]25BB 5.231 1~6.28 5.21e n CUs uR 0/5 BALANCE n . J FJ ~'+2B00251250..09 . O,;,.1i O';'.JI OB.O: OS.OI OB-lll ',' e"llI ~I.I ...,- -~, -.- .....,..... IHM' ,.... . AvER . .... ... , CUllf ."'.I~'IU , ~. _. .."I.'IU( ,..,u............,. . h. '"'''' "1.. ..,.~., .......\...(1.. "",t(,' .C" "l'~ ...U ,.e.. rlleST D[POS1T NAT10NAL tANI' NO, 21......'."." " ,..... .... ......~". 0"" '.","'d "U.O' ,. ,.. I JI .. ~ Ie '~~EevE A ~A~H ADvANCE fH!Ck alk~ THb3" p ~A A L U ULL-FREE A -so .~ ~-6 0 2~ HOURS A DAY. SEYEN DAYS A WEE~. THAN~ YOU FOR YDUR BUSINESS D....... "I'" ..... 'SAMPLE ,.... -" II~""'^" SAMPLE ...... ...12 - STATEM(NT ... ViSA GOLD 110 P. o. la' 9560 I .CCh"' ...11I11 I , "Ar.CHE5'E". N. H. 0]109-95&0 ~~28-002S-1250_~095 "lfll. ""IIU' I ..~~';' ~;. :.~~, I vISA GOLD P. O. BOX 9'560 "A~CHESTEIl'. N. H. 0)108-9560 I "'''~'9:'~O I . BAII8AIIA J GIlIPPIN PAGE Z I '"""'" ~'nL"~' I DANIEL H GilUPPIH PO BO' J.' NEWyILLE PA 1721&1-0321 H'''' ..IC '.ICI , ,r.-U'N,:,'" 1f..2BOO2S1250if095QOOS9000Z963860 ","UUIOf "1'1 ".';,':' OEseR IPTJ ON .. REHRENCE HlX'1BEA .. '.0' , n n cus ASH olS BALANCE . n n CUS ASH OIS FfC Fa. CuSTOMER SEIIY CE ON YOUR VISA GOLD. CALL TOLL-f"REE AT 1_ 00-933-7221. i I I I ""'" .....U.L -, AvERAGE DAILY BALANCE .CI,"III un -- .. rw'~m .,.,..LCI" UII" , ,- . . . "Ull "ur .., ....'.T. , .. .. , . , . cu." .....,Ull... h....S "II no. c_ _ 0- _... It _._,.. __ .___.....11 .,..., , -- -....---- ,- ---.....-.. ,--.....- """"'111I ...- . ::-;.::t=',,'::',~= ~~ .....":'..c:,:'t.;.,~.,_.. '.,...11....10-..... , . '1'" ......... . h. ..w......".. '...h' 'III '.Ill ,......,., ... ..~.~e' ~ ",lIue.. "1'1 rl'ST D[I"01IT HAUOHAL BAHK ~~, ~" ".." "..., OJU& ...f.................. ," '.-IU'"' ::;,;',)"6 .wn A ~A~a ~O~mE yHrC' ~lK~ TH~8' . PLt:R R L. u L. -I- A -BO -'7 ~ -& 0 2~ HOURS A DAY. SEVEN DAyS A wEEk. ..~~.., I F'OR .~OUR BuSINESS THANK 'au .... r.1...i~MPLE ..... ..... .jl;QntlHE ..... I ," .1, -- STAHl"' e('IIU'. 01-2 AVE e('UU' ACCOUNT NUMBER 44~B.00~5'1250.4095 A075BC BARBARA J ORIPPIN DANIEL H GRIPPIN PO BOX 3~1 NEWVILLE PA 17~41.D3~1 PAOE ~ VISA GOLD 4428002512504095000680003411210 ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION 1-800-933-7221 NEW BALANCE $3,411.21 Pr.\'tou. Iallnc. $2,963.86 CrlcUl L1n. $5,000 - C,.dltI .93 Avallabla Cradlt $1.588 - ',ymenta 100.00 Account Numb.r 4428 0025 1250 4095 MInimum Paym.nt $68.00 ... Purcha... .. Plymant DUI Olt. 10/01/95 other Charg,. 93.16 Aver.g. ANNUAL Ooll~ ... C..h Advanc.. 400.00 Type of BaI.nc. DoIlV PERCENTAGE P,rlo Ie IlItem,ncD... + FINANCE CHARGE 55.12 Bar.ne. RATE Ra.. 09106195 ... Llta Chlrg. .00 Purch... $669.1T 19.80\ .0542\ 290.y.1ft . NEW BALANCE $3.411.21 C..h Advanc. $2,562.39 21.90\ .06001 IlllnaC,dti 009595000 0184 0412 FIRST DEPOSIT NATIONAL BANK First DepQ.sit iJ> available to serve you. preCIse call the To)I-FreB cUlitpmer sBrvice number for balance inquiries or addition a cash advances. We appre~iate ~our businBss. Thank Youl - ACCOUNT NUMBER PAYMENT DUE DAn WB-DD2S-USD-409S I OCT 30,1m MINIMUM PAYMENT II S80.00 AMOUNT ENCLOSED 11$ Mall, Chich ',ylbtt To fIt'lo.po.h BARBARA J GRIPPIN DANIEL H GRIPPIN PO BOX 321 NEWVILLE PA 17241-0321 ~7S8C Thank youl W. vatu. your bu.tn... and look forward to m..ttng your f'nanclal nD.dl u they arlle. 61 N004724 VISA aOLD 4428002512504095000800004006440 You could b, on your way to tho 1996 Olymplc.1 Look In.tde for more detalla. TRANSACTIONS Po.t Oat. OllcrJDdon 09-'1 CASH ADVANCE FRoH ATH - 1009150/9 BIG SPRING AVE NEWVILLE PA 09-14 CASH ADVANCE FRoH ATH - 1009150/9 BIG SPRING AVE NEWVILLE PA 09-26 CELLULAR ONE GREENSBORO NC 09-29 PAYHENT RECEIVED -- THANK YOU 09-29 CASH AoVANCE FROH ATH - 1565217/ROUTE 641 PLAINFIELD PA 10-05 .. 1~ PURCHASE REBATE .. T,anllctlan DatI Amount 09-0874301835251559714440113 6011 09-1374301835256559629150919 6011 09-25 24428115268015208813431 8999 09-29 74168515272000000432824 09-2874301835271559588931516 601' 200.00 200.00 29.89 100.00PY 200.00 .29CR ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION 1-800-933-7221 NEW BALANCE $4,006.44 P"vfou. Ballncl $3.411.21 Cradlt Llna $5,000 - Credit' .29 Avall.bl, CredJt $993 - 'Iyrnen.. 100.00 Account Number 4428 0025 1250 4095 MInimum Payment $80.00 + Purch.... &: Paym.nt ou. Data 10/30/95 other Charg.. 29.89 Average ANNUAL Dally + C..h Adv.ncII 600.00 Type of BaJance Dally PERCENTAGE Periodic '1ItlmwD_. +FINANCE CHARGE 65.63 Balancl RATE RIta 10/05/95 + bt. Charg. .00 Purch,.. $669.56 19.80~ .0542~ 29 Dlyaln - NEW BALANCE $4,006.44 Ca.h Advlncl $3.166.53 21. 90~ .0600~ auungCVd, 00T272000 0184 0412 FIRST DEPOSIT NATIONAL BANK First DepQ.sit ij1 available to serve you. Plellse call the Toll-Free clJ~tPmer service number for balance inquiries or additlona cash advances. We appre~iatB your business. Thank You! ..... ACCOUNT NUMBER PAYMENT Due DATE. MINIMUM PAYMENT 4428'0025-1250-40951 DEe O'.'''~ II "72.oD AMOUNT ENCLOIED 11$ M.Il. ChICk. '.y.bIt To Flttl 0.,.... BARBARA J GRIPPIN DANIEL H GRIPPIN PO BOX 321 NEWVILLE PA 17241-0321 ~75BC 61 PAGE 1 MD00149 VISA GOLD 4428002512504095001720004593040 Don't mi.. the travel and .hopplng clrt'f'cate, 'ncluded with thts month', statement. Th... spectal. hIgh-value certtf'cate. Dr. your, JUlt (or ul'ng your provldlon Vlso Card. Enjoy' MESSAGES FROM VISA GOLD YOUR ACCDUNY IS PASY oUE $80.00. THE PAST oUE AHoUNT IS INCLUoED IN THE HINIMUH PAYMENT. PLEASE REHIY IMMEDIATELY. TRANSACTIONS Po.t O.t. O..crlPtlon Tran.actlon Det. Amount 10-23 CASH ADVANCE FRDM ATM - 100915019 81G SPRING AVE NEWVILLE PA 10-22 100.Do 10-25 CELLULAR ONE GREENS80Ro NC lD-24 32.86 10-26 CASH ADVANCE FROM ATH - IOD915D/9 81G SPRING AVE NEWVILLE PA 10-25 100.00 10-31 MONTGOMERY WARD CARLISLE PA 10-28 62.45 11-06 CASH ADVANCE FROM ATM - 1565217/RDUTE 641 PLAINFIELD PA 11-03 200.00 11-06 .. II PURCHASE RE8ATE .. .95 CR 11-06 LATE PAYMENT CHARGE 11-06 13.00 FIRST DEPOSIT NATIONAL BANK First Dep.osit is Bvailable 24 hours a day. If you nBea any <Issistanc.e With YOLJ( account, Dlease Clon t hBsrtate to cal . our frienClly customer service representatives. ThBY are always available to serve you. --- ACCOUNT NUMBER 44~B.DD~5-1~5o-4095 A075BC BARBARA J GRIPPIN DANIEL H GRIPPIN PO BOX 321 NEWVILLE PA 17241-0321 PAGE 2 VISA GOLD 4428002512504095001720004593040 ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION 1-800-933-7221 NEW BALANCE $4,593.04 Pr.vloul Bar,nee $4,006.44 Crodl. L1n. $5,000 - Credit. .95 Avall,bl. Credit $406 - P,ymtnta .00 Account Numb., 4428 0025 1250 4095 MinImum Payment $172.00 + Puroh.... II Payment OUt Dltl 12/01/95 other Ch"IlI" 95.31 Av.,.". ANNUAL D.n~ + C..h Advance. 400.00 Typ. of Balancl Dolly PERCENTAGE "riD c Itatlmtnlo... +FINANCE CHARGE 79.24 B.lance RA7E Rlt. 11/06/95 + lit. Chllg. 13.00 Purch... $690.71 19.801 .05421 32 D.,.1n - NEW BALANCE $4.593.04 C..h Advenc. $3,502.44 21.901 .06001 IlIlInIlC.,d, 007272000 0184 0412 FIRST DEPOSIT NATIONAL BANK First Dep.osit is availBble 24 hours a day. If you neea any ~ssist.Bnc.e with YOUr account, pleasB don't heSitate to cal our friBndly customer serVICB representativBs. They are always available to serve you. - ACCOUNT NUMBER 442B-DD25-125D-4095 PAYMENT DUE DATE. MINIMUM PAYMENT I DEe 50,1995 II $91.00 AMOUNT ENCLOIED 11$ Mill, Chich ",... To flrll D.pollt BAJUlARA J GRIPPIN DANIEL H GRIPPIN PO BOX 321 NEWVILLE PA 17241-0321 ~758C 61 NOl2242 VISA GOLD 4428002512504095000910004555830 TRANSACTIONS POlt Date 11-27 11-29 12-01 12-05 O..crlDdon CELLULAR ONE GREENSBORO NC BENoER AUTO PARTS & HACHI NEWVILLE PA PAYNENT RECEIVED -- THANK YOU .. 11 PURCHASE REBATE .. Tran..ctJon o.t. 11-24 11-27 12-01 ~ 37.11 19.29 172.00 PY .56 CR ACCOUNT SUMMARV P"vfou. Ballnce -Credit. - Payment. + Purch.... " other Char".. 56.40 + C..h Advance. .00 + FINANCE CHAROE 78.95 + LIt. Chlr"e . 00 -NEW BALANCE $4,555.83 000101000 0184 H184 $4.593.04 .56 172.00 CUSTOMER SERVICE PHONE NUMBER PAVMENT INFORMATION 1-800-933-7221 NEW BALANCE $4,555.83 C"dJt Un. $5.000 Avallabla Cr.d1t $444 Account Numbe, 4428 0025 1250 4095 Minimum Payment $91.00 Payment DUI 0,.. 12130/95 Type of Salancl AVlrag. ANNUAL DlUy Dally PERCEN7AGE ',rladlc IIMtment D.II aalence RATE ROl. 12/05195 furch,'. $778.43 19.801 .05421 29 art' In Caah Advance $3.833.43 21.901 .06001 IllIlngCyd. FIRST DEPOSIT NATIONAL BANK First DepQ.sit i.s available to serve you. Please call the Tojl-Free ClJlitomBr service number for balance inquiries or addition a cash advances. We appreJ;iate your business. Thank Youl --- ACCOUNT NUMBER PAYMENT DUE DATE' 442B-002S-12S0-4D9SI JAR 30,1996 MINIMUM PAYMENT II $99.00 AMOUNT ENClOI!D 11$ M.k, ChHIl. P.r..... To ""lo.poll' BARBARA J GRIPPIN DANIEL K GRIPPIN PO BOX 321 NEWVILLE PA 17241-0321 ~7SBC Pl.... r.ed ."eloted notlc. dt.cr\blng ching.. to your VISA blnl" II. 61 No04B~3 VISA GOLD 4428002512504095000990004933200 TRANSACTIONS Po.. Oat. 12-1B 12-27 12-29 01-02 01-05 D..crtDdon CASH AoVANCE fROH ATH - 1009150/9 BIG SPRING AVE NEWVILLE PA CELLULAR ONE GREENSBORO NC PAYHENT RECEIVEo -- THANK YOU SAYLOR'S HARKET SGH NEWVILLE PA .. II PURCHASE REBATE .. T,.n..cllon Dtt. Amount 12-15 12-25 12-29 12-31 300.00 42.21 91.00 PI 5B.94 .Bl CR ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION 1-800-933-7221 NEW BALANCE $4,955.20 P"viOUI S,llnce $4.555.B5 Credit Line $5,000 -Cr.dlt. .Bl Avall,bl. Credit $66 - P.ym.ntI 91. 00 Account Numb.r 442B 0025 1250 4095 Mlnfmum Peymtnt $99.00 + Purch.... ... '.ym.nt OUt 0.1. 01150/96 oth.r Charge. B1.15 Aver.g. ANNUAL Dolly + C..h AdvancII 500.00 Type of Ballne. Dolly PERCENTAGE P,rlodlc IIIt.mIllIDIII + FINANCE CHARGE BB.05 Sarlnel RATE Rltl 01/05/96 + Ltt. Chlrg. .00 Purcha.. $B15.13 19.BOI .05421 31 Dlytll'l . NEW BALANCE $4.933.20 C..h Advanc. $3,997.71 21. 901 .06001 IlatnllCydt 005656000 01B4 H1B4 FIRST DEPOSIT NATIONAL BANK First DepQ.sit i~ available to SBrve you, Please call the T.oH-FreB clJlitpmer sBrvice number for balance inqUiries or Bdditlona cash advanCBS. We apprBJ;iate ~our business. Thank Youl -- ACCOUNT NUMBER 442B-OD2S-12S0-409S PAYMENT DUE DATE' I "AR 01,1996 MINIIIUM PAYMENT II 19'.00 AMOUNT ENCLOnO 11$ ..... ChH', 'ay", ro fir,. o.poalt BARBARA J GRIPPIN DANIEL H ORIPPIN PO BOX 321 NEWVILLE PA 17241-0321 ~7SBC 61 ND1l842 VISA GOLD 4428002512504095000990004954810 MESSAGES FROM VISA GOLD THANK YOU FOR lOUR BUSINESSI IF YOU NEEo ASSISTANCE OR HAVE A oUESTloN ABOUT YOUR ACCOUNT, CALL US 24 HOURS A oAI. PROVIoIAN BAN CORP CUSTOHER SERVICE REPRESENTATIVES ARE REAoy TO HELP YOU. TRANSACTIONS POlt Date D..c,h~dDn 01-26 CELLULAR ONE GREENSBORO NC 02-02 PAYHENT RECEIVEO -- THANK YOU 02-05 .. IS PURCHASE REBATE .. Tranllctlon Da'l 01-24 244281160250152198908678999 02-02 74168516033000000401470 Amount 29.89 99.00PI .29CR ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION 1-800-933-7221 NEW BALANCE $4,954.81 Pr.vtou. eal.ncI $4,933.20 Cr.dft Lln. $5,000 -Crldlh .29 Avall.ble Credit $45 - hymen.. 99.00 Account Numb., 4428 0025 1250 4095 MInimum 'aym.nt $99.00 + Purch.... II Payment Oua Oat. 03/01196 oth.r Chlrg.. 29.89 AVI,.g. ANNUAL Dallv + Ca.h Advanc.. .00 Type of Balanc. Dallv PERCEN7AOE P.rlodlc .1...."IMDM. + FINANCE CHAROE 91.01 BahmcI RATE Rato 02105/96 + La'l Chllg. .00 Purcha.. $875.16 19.80S .0542S 31 a..,.ln -NEW BALANCE $4.954.81 C..h Advenc, $4.101.56 21. 90S .0600S IIlllngCyd. 003232000 01B4 H184 FIRST DEPOSIT NATIONAL BANK First DepQ.sit i.s available to serve you. PleClse call the T.ojl-Free cUlltpmer service number for balance inqUiries or additlona cash advances. We appre~iate y'our businBss. Thank You I --- ACCOUNT NUMBER PAYMENT DUE DATE 4420-0025-1250-40951 MAR '0,1996 MINIMUM PAYMENT I I S2S'.01 AMOUNT ENCLOSED 11$ M.ke Chtch ,.y.... To fir,. D.,o'" BARBARA J ORIPPIN DANIEL H GRIPPIN PO BOX 321 NEWVILLE PA 17241-0321 ~758C Pl.o.. r.ed th, .nclo.ld notl,tcattonfl) for tmportlnt Informotlon about your DeCOUR t. 61 N005D77 VISA GOLD 4428002512504095002830105083010 MESBAGES FROM VIBA GOLD YOUR HINIMUH PAYHENT INCLUDES ANY OVERLINIT ANa PAST oUE AMOUNTS. PLEASE REHIT IMHEoIATELY. TRANBACTIONS POI. 01.' D..crlPtlon 02-27 CELLULAR ONE GREENSBORO NC 03-05 .. 1~ PURCHASE REBATE .* 03-05 LATE PAYHENT CHARGE Tran..ctlon Oa.. 02-26 24428116057015224066801 4814 03-05 Amount - 29.89 .29CR 13.00 ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION 1-800-933-7221 NEW BALANCE $5,083.01 Pravlou. a.rance $4,954.81 C"dlt L1n. $5.000 - Cradlt. .29 Avanable Credit $00 - Plym.nt. .00 Account Numb., 4428 0025 1250 4095 Minimum P'ym.nt $283.01 + Purch.... 81 Payment ou. Dat' 03130/96 other Chllg.. 29.89 Average ANNUAL Dally + C..h AdVlncI. .00 TypI of BorancI Dally PERCENTAGE P,rfodlc '"IIn1en1D... +FINANCE CHARGE 85.60 Balance RATE fll.' 03105/96 + Latl Charg. 13.00 Purch." $894.42 19.801 .05421 29 Da"'I'" - NEW BALANCE $5.083.01 Cash Advance $4.1'0.63 21. 901 .06001 IllbngCydl 007171000 0184 M184 FIRST DEPOSIT NATIONAL BANK First Dep.osit is availablB 24 hours B day. It you neBtl any lIssist;mc,e With YOlJr account, Dlease don t hesitate to cal our triBndly CustomBr service representatives. They are always available to serve you. - ACCOUNT NUMBER 442B-0025-125D-4095 PAYMENT DUE DATE' I APR 30,1996 MINIMUM PAYMENT I I $506.49 AMOUNT ENCLOIED 11$ M." Ch.ck. hyaWe To FIr.1 D.po.ft BARBARA J GRIPPIN DANIEL H GRIPPIN PO BOX 321 NEWVILLE PA 17241-0321 ~75BC 61 ND0497B VISA GOLD 4428002512504095005064905202490 MESBAGEB FROM VISA GOLD YOUR MINIMUM PAYMEMT INCLUoES ANY OVERLIMIT ANa PAST oUE AMOUNTS. PLEASE REMIT IHMEDIATELY. TRANSACTIONS POI' Dot. O..crlDtfon Tr.n..ctJon 00'1 Amount 04-05 oVERLIHIT FEE 04-05 15.00 04-05 LATE PAYMENT CHARGE 04-05 15.00 ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE $5,202.49 PrevlouI Salanc. $5,083.01 1-800-933-7221 Credit line $5,000 -Cr.dltI .00 Available Credit $00 - Paymlnll .00 Account Numb.r 4428 0025 1250 4095 Minimum Payment $506.49 + Purcha... & Paymant Du. D... 04130/96 ather Chlr".. 13.00 AVlr.". ANNUAL Dilly + C..h AdVlncII .00 Type of Selence Dilly PERCENTAGE Plrlodlc 'tltlftlentD.1I +FINANCE CHARGE 93.48 eal.nel RATE Rat. 04/05/96 + LI" Cha,,,. 13.00 Purch.,. $929.64 19.80~ .05421 31 Dly.1n . NEW BALANCE $5,202.49 C..h Advance $4.165.26 21.90~ .0600~ IIll1ngCyd. 007171000 0184 B184 FIRST DEPOSIT NATIONAL BANK First Dep.osit is available 24 hours a day. If you neea Bny /ilssist.anc.e With YOUr account, pleBse don't heSitate to cal . our friendly customer service representatives. They are always available to serve you. - ACCOUNT NUMBER 4428-0025-1250-4095 PAYMENT DUE DATE. I HAY","'6 MINIMUM PAYMENT I I '6'2,'0 AMOUNT ENCLDlro 11$ M.ke ChI... PI,... To flr.lo.,.," BARBARA J GRIPPIN DANIEL H GRIPPIN PO BOX 321 NEWVILLE PA 17241-0321 ~75BC 61 No11743 VISA GOLD 4428002512504095006523005283300 look 'nltde (or quattty travel end Ihopptng lavtngl clrtl,tcatl.. Itls our way o( laytng -Thank you' (or ullng your yt.a cardl MESSAGES FROM VISA GOLD YOUR "INI"UH PAY"ENT INCLUoES ANY OVERLIHIT ANa PAST oUE A"oUNTS. PLEASE REHIT 1""EoIATELY. TRANSACTIONS POI' DI" O..crlptfon 0~-08 PAY"ENT RECEIVED -- THANK YOU 05-03 PAY"ENT RECEIVEo -- THANK YOU 05-06 OVERLIHIT FEE 05-06 LATE PAYHENT CHARGE Trlnllctlon Oatl 0~-08 7~16851609900oo01120716 05-03 74168516124000000550789 05-06 05-06 Amount 20.00PY 2D.00PY 13.00 13.00 ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW 8ALANCE '5,283.30 P,.vfou. Balance '5,202.49 1-800-933-7221 Credit Line $5,000 - Credit. .00 Avall.bra Credit $00 - Paymenta 40.00 Account Number 4428 0025 1250 ~095 Minimum Payment $652.30 + Purch.... .. Paym.nt DUI Oat' 05/31/96 other Charg.. 13.00 Average ANNUAL Dallv + C..h Advlnc.. .00 Type of Sarine. Dallv PERCEN7AGE Parlodlc 'IMImI'" Oa. + FINANCE CHARGE 9~.81 aalancl RA7E Ra., 05/06196 + Late Charge 13.00 Purch... $945.~0 19.801 .05421 31 D.y.1n . NEW BALANCE $5.283.30 Cllh Advance $4,242.39 21. 901 .06001 11IlIngCycl. 005151000 0184 9184 FIRST DEPOSIT NATIONAL BANK First Dep.osit is available 24 hours a day. It you neeil any <Issist,lnc.e With YOlJr account, please Clon't hBsltate to car . our trienClry customer service representatives. They are always available to serve you. - ACCOUNT NUMIER PAYMENT DtlE DATE. 44~B-OD~5-1~5c,-40951 ~UL 30,1996 MINIMUM PAYMENT II $1,110,11 AMOUNT ENCLOIED 11$ Mak. ChK" 'I""" To ",..Do_ BARBARA J GRIPPIN DANIEL H GRIPPIN PO BOX 3~1 NEWVILLE PA 17241-D3~1 " UH,.. VISA GOLD 4428002512504095011101105523110 MESSAGEB FROM VISA GOLD YOUR ACCOUNT IS SIGNIfICANTLY PAST oUE. TO PREVENT YOUR ACCOUNT fROH ANY fURTHER OELINOUENCIES, fURTHER CREDIT OAMAGE, POSSIBLE REfERRAL Of YOUR ACCOUNT fOR fURTHER COLLECTION ACTION OR fROM CHARGING Off AS A BAa DEBT, PLEASE CALL US AT 1 800753 8192 IHMEDIATELY. TRANBACTIONB Amount POI' D..' D'lcrfotlon Tran..ctJon o.t. 07-05 oVERLIHIT fEE 07-05 13.00 07-05 LATE PAYMENT CHARGE 07-05 13.00 ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION 1-800-933-7221 NEW BALANCE $5,523.11 Pr.vloul Balanc. $5,402.37 Cr.dlt Un. $5,000 -Credft. .00 Avallabl. Cr.dlt $00 - Poym.nt. .00 Account Numb., 4428 0025 1250 4095 MInimum Paymant $1,1\0. \I + Purch.... " Payment Du. OOtl 07/30/96 oth" Charg.. 13.00 AVI,ag. ANNUAL Dilly + Ca.h Advanc.. .00 Type of Salancl D'lIy PERCENTAGE Periodic 'ItC.mMt Oat. +FINANCE CHARGE 94.74 Saranel RATE R.t. 07/05/96 + Lito Chrgl 13.00 Purcha'l $976.94 19.801 .05421 30 DIY'''' - NEW BALANCE $5,523.11 Ca.h Advance $4,379.91 21.901 .06001 I~Un.Cycl. 000000000 0184 B184 FIRST DEPOSIT NATIONAL BANK First Deflosit is a\{ailablB 24 hours B day. If you nee any i1Isslst.anc.e With YOlJ( Bccount, I) ease don t hesltBte to cal our friendly customBr serVICB rBpresentBtives. They are always availablB to serVB you. -- ACCOUNT NUMIlR 44~9-DD~5-1~5D-.095 PAYMENT DUE DATE' I AUO 50,\996 MINIMUM PAYMENT II .1,346.70 AMOUNT ENCLD'ED 11$ MD. ChHk. ,.y.bIe To ~'Io.o.h BARBARA J GRIPPIN DANIEL H GRIPPIN PO BOX JH NEWVILLE PA 17~41-0J~1 ~75BC 61 N007979 VISA GOLD 4428002512504095013487805648780 MESSAGEB FROM VISA GOLD YOUR ACCOUNT IS SIGNIFICANTLY PAST DUE. TO PREVENT YOUR ACCOUNT FRoH ANY FURTHER oELINoUENCIES, FURTHER CREDIT DAKAGE, POSSIBLE REFERRAL OF YOUR ACCOUNT FOR FURTHER COLLECTION ACTION OR FROH CHARGING OFF AS A BAa oEBT, PLEASE CALL US AT I 800 753 819Z IHHEDIATELY. TRANBACTIONS po.t D.t. O..r:rlDtlon r"nlledon Oat. ~ 08-05 oVERLINIT FEE 08-05 13.00 08-05 LATE PAYHENT CHARGE 08-05 13.00 ACCOUNT BUMMARY CUSTOMER BERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE $5,6~8.78 PrevlouI a..nc. $5,~25.11 1-800-933-7221 Credit Un. $5,000 - c,.dttI .00 Anll.bI. C"dlt $00 - P.ym.nu .00 Account Numb., ~~Z8 0025 1250 ~095 MlnJmum P.ym.nt $1.3~8.78 + Purch.... & Payment Du. Dat. 08/30196 otl\., Charge. 15.00 AVitia' ANNUAL Dilly + Ca.h Adv.nc.. .00 Typ. of Sallnel Dilly PERCENTAGE ,.rladlc Itatlm.ntDat. + FINANCE CHARGE 99.67 BelDnCI RA7E R.t. 08/05/96 + Lit. Chlrg. 15.00 Putch... $995.25 19.801 .05~21 31 D.y.ln . NEW BALANCE $5,6~8.78 C..h Adv.ncI $~,~60.77 Z 1. 901 .06001 IIlInSICycl. 000000000 0184 a184 FIRST DEPOSIT NATIONAL BANK First DBftosit is a\(Bilable 24 hours a day. If you neB Bny IiIsslstonc,e With YOll( Bccount, DBase aon t heSitate to cal , our friendlY customBr service representatives. ThBY are Blways availBble to serve you. ..... ACCOUNT NUMBER 'AYMENT DUE OAT!' 4428-oo2S-USO-409SI OCT 22, ,,,, MINIMUM PAVMENT II ",849.48 AMOUNT ENCLDUD 11$ Make Chub "y.We To FIr.tDe..... BARBARA J GRIPPIN DANIBL H GRIPPIN PO BOX 321 NEWVILLE PA 17241-0321 ~7SBC 61 N01l656 VISA GOLD 4428002512504095058494805849480 MESSAGES FROM VISA GOLD PLEASE DIRECT ANY OUEST IONS REGARolNG YOUR ACCOUNT TO THE RECOVERY DEPARTHENT AT 1 800 926 3345. ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION 1-800-964-6000 NEW BALANCE $5,849.48 Pr.vfouI 8a1enee $5,776.30 Cr.dlt Un. $5,000 - Credftt .00 AvaJl,bI. Credit $00 - Payment. .00 Account Numb., 4428 0025 1250 4095 MInimum P.ymtnt $5,849.48 + Purch.... &: Payment DUI Oltl 10/22/96 oth.r Charg.. .00 Aver.g. ANNUAL Dally + C..h Advance. .00 Type of Salane. Dilly PERCENTAGE P.rlodlc '1111H11.tIIDIC. +F/NANCE CHAROE 73.18 SarancI RA7E Rltl 09/27/96 + L1I11 Chargl .00 Purcha.. $1,024.67 19.801 .05421 22 DIY' In -NEW BALANCE $5,849.~8 Ca.h Advance $4,617.29 21. 901 .06001 IWIng Cyd. 000000000 o18~ 0184 FIRST DEPOSIT NATIONAL BANK First Dep.osit is available 24 hours a dBY. If you nBBo Bny I;lssistenc.e With YOUr account, J)IBaSB don t heSitate to cal . our friendly customBr service reprBsentetlves. ThBY are always available to serve you. -- ACCOUNT NUMIEII PAVMENT DUE DATI 44~O-OD~5-1~5o-~Og51 NOV 25,1996 MINIMUM p",VMrNT II n,U7,6J AMOUNT INCLOIID II. ...~. ChNh ,."We To "'.. DePOt" BARBARA J ORIPPIN DANIEL H GRIPPIN PO BOX 321 NEWVILLE PA 17~41-03~1 ~75BC 61 NOOIBH VISA GOLD 4428002512504095059576305957630 MESSAGES FROM VISA GOLD PLEASE olRECT ANY oUESTIONS REGARolNG YOUR ACCOUNY TO THE RECOVERY oEPARTHENT AT 1 800 926 5545. ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION 1-800-964-6000 NEW BALANCE $5,957.65 Pr.vlou. Balanc. $5.S49.48 Credit Un. $5,000 - Credit. .00 AvaU.blt Cr.dlt $00 - P.ym.nt. .00 Account Numb., 4428 0025 1250 4095 MInimum P.ym.nt $5,957.65 + Pureh.... Ie Paym,nt Du. D... 11/23/96 other Ch...".. .00 AVI,ag. ANNUAL Dolly + CI.h Advance. .00 Type 01 Bar.nce Dilly PEI1CEN7AOE P'rlodlc II.tarnINltD'lf +FINANCE CHAROE 108.15 B,I,nel RATE Rat. 10/29/96 + Loll ChllDI .00 Pureh,.. $1,059.80 19.80S .0542S 32 Dly.1n . NEW BALANCE $5,957.63 Ca.h Advance $4,692.72 21.90S .0600S IIDInlCycl. 000000000 0184 8184 FIRST DEPOSIT NATIONAL BANK First Dep.osit is available 24 hours a day. If you neea any I;Isststanc.e With your account, please don t hesltatB to cal our friendly customBr service represBntatives. ThBY Bre always availBblB to serVB you. ..... ACCOUNT NUMIER PAYMENT our OAT! 44~B-0025-n50'.0951 DIC n,I"6 MINIMUM PAYMENT II $6,D'T.41 AMOUNT ENCLOUD I r. ..... CftM.. ,..,... TI 'lttIDt,..... BARBARA J GRIPPIN DANIEL H GRIPPIN PO BOX 3~1 NEWVILI.E PA 17~41'0nl ~75BC 'l.... r.ad thl .nclalld nOII'Ielllon/,1 'or IMPOrllnl l"for.'llon about your 'Ctoun t. 61 N001937 VISA GOLD 4428002512504095060574206057420 MESSAGES FROM VISA GOLD PLEASE olRECT ANY oUESTJONS REGARDING YOUR ACCOUNT TO THE RECOVERY DEPARTHENT AT I 800 926 5545. ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION 1-800-964-6000 NEW BALANCE $6,057.42 P,.vloUI Ballne. $5,957.65 Crldlt Un. $5,000 -Cr,dlt. .00 Avlllablt Crldlt $00 - Paym.nt. .00 Account Numb.r 4418 0015 1250 4095 Mlnfmum Paym.nt $6.057.42 + Purchall' II ',yman. Du. DI" 12122196 oth.r Chlrg.. .00 Aver.g. ANNUAL Dolly + C..h AdvancII .00 Typ. of BaI.nc. Dilly PERCENTAOE p.,lodle '1ItIll'lIfttDIt' +FINANCE CHAROE 99.79 a,lancI RATE R.t. 11127/96 + Lit. Chlra' .00 Purch... $1,057.14 19.801 .05411 29 D.'.... - NEW BALANCE $6,057.41 C..h Advanc. $4,779.55 11. 901 .06001 .",Cycl. 005959000 0184 8184 FIRST DEPOSIT NATIONAL BANK First DB~oSit is available 24 hours a day. If you neB any <lsststanc.B With YOUr account, p ease don t heSitate to cal our friBndly customer service representatives. They arB always available to serve you. -' ACCOUNT NUMllR 4428-D025-1250.4D~5 PAYMENT DUE DATE' I JAN 24,1997 MINIMUM PAYMENT II S6,17l.0a AMOUNT INCLOIlD lit ." ChI.... ,..,.... T. ,.,.. D.,.... BARBARA J GRIPPIN DANIEL H GRIPPIN PO BOX 321 NEWVILLE PA 17241-0321 ~75BC 61 ND02059 VISA GOLD 4428002512504095061730806173080 MESBAOES FROM VISA OOLD PLEASE OIRECT ANY OUESTIoNS REGARDING YOUR ACCOUNT TO THE RECOVERY OEPARTHENT AT 1 800 926 3345. ACCOUNT SUMMARY CUBTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION 1-800-964-6000 NEW BALANCE $6.173.08 Pr."'ouI Silane. $6,057.42 Credit Un. $5,000 - C,edJt. .00 Avallabl. Credh $00 - 'Iymenta .00 Account Numb., 4428 0025 1250 4095 Minimum Paym.nt $6.173.08 + Purch.... II P.vm.nt DUI Olt. 01124197 oth., Charg.. .00 Averag. ANNUAL DIUy + Ca.h AdvlnclI .00 Tvpe 0' aallnel Dilly PERCENTAGE Periodic 11M."... Oil' + FINANCE CHARGE 115.66 aalanc8 RATE Rlt. 12130/96 + Lite Charg. .00 Purch... $1.075.07 19.801 .05421 33 D~.1n . NEW 8ALANCE $6.173.08 C..h Advenc. $4,869.06 21. 901 .06001 111II"1 Cydt 000000000 0184 8184 FIRST DEPOSIT NATIONAL BANK First Dep.osit is available 24 hours a day. If you neea any <lssistanc.e With YOUr account, Dlease don t hesitate to cal our friBndly customer service rBpresentatives. They are always available to serve you. -- ACCOUNT NUMIlR 4428-0025-1250-4095 PAYMENT DUE DATE- I r[l 25,1997 MINIMUM PAYMENT II 16, Z&0.19 AMOUNT INCl.DnD 11$ ... ChN", ,.y.... T. ",.1 De,.... BARBARA J GRIPPIN DANIEL K GRIPPIN PO BOX 3:21 NEWVILLE PA 17241-0321 ~7S8C 61 N002140 VISA GOLD 4428002512504095062801906280190 MESSAGES FROM VISA GOLD PLEASE olRECT ANY OUESTIONS RECARolNC YOUR ACCOUNT TO TNE RECUVERY oEPARTHENT AT 1 &00 926 3345. ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION 1-800-964-6000 NEW BALANCE $6,2&0. t9 Pr.vlou. SII.ne. $6,173.0& Credit L1n. $5,000 - C..dIU .00 Avallablt Credit $00 - P.ymtnt. .00 Account Numb., 442& 0025 12S0 4095 Minimum P.yment $6,280.19 + Purchl... .. Payment Due D.tt 02123/91 other Chlrg.. .00 AVlr.g. ANNUAL Dolly + C..h Advance. .00 Tvpe of Oallne. DIIIV PERCENTAOE P,rlodlc 'tl1emnD... + FINANCE CHAROE 107. II Bellnce RATE R,t. 01129/97 + L.t, Chl'II' .00 Purch... $1,093.59 19.801 .05421 30 0..,. In . NEW BALANCE $6,280.19 Ca.h Adv.nce $4.961. 91 21.901 .06001 IllI",Cvcfe 000000000 01&4 B184 FIRST DEPOSIT NATIONAL BANK First Dep.osit is available 24 hours a day. If you neee any assistllnc.e With YOlJr account, please don't hBsltate to cal . our friendly customBr service representatives. They are always available to serve you. ...... ACCOUNT NUMIEA PAYMENT D~E DATI' Ua-OD2S-USD-409S I MAR 24,1991 MINIMUM ,,, YMENT II $6,585.55 AMOUNT ENCLOllO 11$ Mlh CMU, ,.yUIe T, ,.,., 0.,.... BARBARA J ORIPPIN DANIEL H ORIPPIN PO BOX 3H NEWVILLB PA 17241-D3~1 ~7S8C 61 NDD~~7B VISA GOLD 4428002512504095063855506385550 MESSAGES FROM VISA aOLO PLEASE DIRECT ANY QUESTIONS REGARDING YOUR ACCoUNY TO THE RECOVERY oEPAATHENT AT I 800 926 5345. ACCOUNT SUMMARY CUSTOMER BERVICE PHONE NUMBER PAYMENT INFORMATION 1-800-964-6000 NEW BALANCE $6,385.55 '"vloul Balanc. $6,280.19 Credtt Un. $5,000 - Cr..... .00 Avallabl. Crtdlt $00 - ',yment. .00 Account Numb., 4428 0025 1250 4095 MInimum Payment $6.585.55 + Purch.... . Paym.nt OUt D,'I 05124191 ._ Chargol .00 Aver.g. ANNUAL DoIlV + C..h Advanc.. .00 Type of 8111ncI DoIlV PERCENTAGE ',rfodlc 1C&t,mMtO... + FINANCE CHARGE 105.36 8111ne. RATE R.t. 02127/91 + lit. Charg. .00 Purch... $1,111.23 19.80S .05421 29 Dtytlll - NEW BALANCE $6,385.55 C'lh Advanc. $5,050.49 21. 901 .06001 115I1IC,. 000000000 0184 B184 FIRST DEPOSIT NATIONAL BANK First Dep.osit is available 24 hours a day. If you neell Bny assistanc.e With YOUr account, DleasB don t heSitate to cal our friendly customer service representatives. They are always available to serve you. --- ACCOUNT NUMIEIl PAYM!NT Oil! OAT!' 4428-0025-1250-4095 lAP. 22,1197 MINIMUM PAYMENT II '6,492.73 AMOUNT !NCLOIlD 11$ M... CM,.. ,.,... T. ""'10.,.... BARBARA J GRIPPIN DANIBL H GRIPPIN PO BOX 321 NBWVILLB PA 17241-0321 ~75BC 61 N002139 VISA GOLD 4428002512504095064927306492730 MESBAGES FROM VISA GOLD PLEASE ol.ECT ANY oUESTIUNS RECARolNC TOUR ACCOUNT TO THE RECoVERT oEPARTNENT AT I 800 926 3545. ACCOUNT SUMMARV CUSTOMER SERVICE PHONE NUMBER PAVMENT INFORMATION 1-800-964-6000 NEW IALANCE '6,492.73 Pr.vfou. Sar.ne. $6,365.55 C,.dltLln. $5,000 - C,.dft. .00 Avall.bI. C"dJt $00 - Paym.nts .00 Account Numb., 4428 0025 1250 4095 MInimum Paym.nt $6,492.73 + Purch.... It P.ym.nt DUI 0'1' 04122/97 oth.r Charg.. .00 Av.rag. ANNUAL DoIlV + C..h AdvancII .00 Typ. of B.I.ncI DoIlV PERCENTAGE P,rfodlo ItlllmlncDttl + FINANCE CHARGE 107.11 B.I.nc. RATE R.tl 03128/97 + Lit. Chlrll' .00 PU'Chlll $1,128.66 19.80S .0542S 29 Dlyl. - NEW IALANCE $6,492.73 C..h Adv.nc. $5,139.1' 21. 90S .0600S IlIIlnlCyc:ll 000000000 0164 6164 FIRST DEPOSIT NATIONAL BANK First DBp.osit is available 24 hours a day. If you neea Bny ess~st.anc.e With YOlJ( account, please don t heSitate to cal our friendly customer serVICB rBpresentatives. They are always aVBilable to SBrve you. - ACCOUNT NUMIER 'AYMENT our DATI' 44~8-0035-1250-40951 lIAr 24. I'"~ MINIMUM PAYMENT I I $6,6".'4 AMOUNT ENCLOIED 11$ Mak. ChiC" "vlble rl FIr.t DePOt" BARBARA J GRIPPIN DANIEL H GRIPPIN PO BOX 321 NEWVILLE PA 17~41-03~1 ~75BC 61 N00217B VISA GOLD 4428002512504095066131406613140 MESSAGES FROM VISA GOLD PLEASE DIRECT ANT oUESTIONS RECARDINC YOUR ACCOUNT TO THE RECOVERY OEPARTHENT AT 1 800 926 3345. ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION 1-800-964-6000 NEW BALANCE $6,613.14 P,.vfOUI Balanc. $6,492.73 C,.dh Un, $5,000 - C,odlta ,DO Avall.ble Crldlt $00 - P.ym.nt. .00 Account Numb., 4428 0025 1250 4095 MinImum Payment $6,613.14 + Purch.... I.: Payment OUI Oat. OS/24/97 other Charg.. .00 Av.,.g. ANNUAL Dany + C..h AdvlRcel .00 Type of elllnet Dolly PERCENTAGE P,rlodlc 'llllmIl'lllDat. +FINANCE CHARGE 120.41 eal.ne. RA7E R... 04/29/97 + La't Chllg. .00 Purchat. $I,14T.6B 19.801 .05421 32 D.y.1n . NEW BALANCE $6.613.14 C..h Advance $5,234.01 21. 901 .06001 IiIIlnICycl. OQDOOOOOO 0184 8184 FIRST DEPOSIT NATIONAL BANK First Dep.osit is available 24 hours a day. If you neBCl any IiIssistanc.B With YOlJ( account, please don't hesltatB to cal our friendly customer service representatives. They are always available to serve you. -- ACCOUNT NUMIElI 'AYMENT DUI DATE' 442B-002S.12S0-409SI ~UN n,'997 MINIMUM PAYMENT II $6,72&." AMOUNT ENCLOIID 11$ MI... 0..0" ,.,.we To fIr,l De,ollC BARBARA J ORIPPIN DANIBL H GRIPPIN PO BOX J21 NEWVILLE PA 17241-0321 ~7SBC 61 N002170 VISA GOLD 4428002512504095067281106728110 MESSAGEB FROM VISA GOLD PLEASE olRECT ANY OUESTloNS REGAROING YOUR ACCOUNT TO THE RECOVERY OEPARTNENT AT 1 800 926 3345. ACCOUNT BUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION 1-800-964-6000 New BALANCE $6,728. " P"vloua Blllne. $6,613. '4 Credit Lint $5,000 -Credit. ,00 AvaJl.~. Credit $00 - Plym.ntt ,DO Account Numb., 4428 0025 1250 4095 MInimum Peym.nt $6,728." + Purch.... II P.ymlnt OUt Dill 06/23/97 other Chllg.. ,DO AVIIIg. ANNUAL DaDy + C..h Advenc.. .00 Type of Blllne. Dally PERCENTAGE ,.rlodle '1...lftIllCD.. +F/NANCE CHARGE 114.97 81llne. RATE Rlt. 05129/97 + Lit. Chlrgl ,DO Puteh... $1,167,13 19.801 .05421 30 Diy. In . NEW 8ALANCE $6,728,11 C..h Advlncl $5.332,23 21. 901 ,06001 .angCyd. 000000000 0184 8184 FIRST DEPOSIT NATIONAL BANK First Dep.osit is Bvailable 24 hours a day. If you neeCl any Elssistanc,e With YOlJ{ Bccount, DIBaSEl don t hesltBte to eal our friBndlY customBr service representativBs, They Bre always Bvailable to serve you, - ACCOUNT NUMBER 4428-0025-1250-4095 PAYMENT CUE DATE' I JUL 22,1997 MINIMUM PAYMENT I I $6,B41.21 AMOUNT ENCLOIED 11$ M." thee" Ply'" To 'lnt Depo." BARBARA J GRIPPIN DANIEL H GRIPPIN PO BOX 321 NEWVILLE PA 17241-0321 ~758C 61 N010347 VISA GOLD 4428002512504095068412106841210 MESSAGES FROM VISA GOLD PLEASE olRECT ANY OUESTloNS REGAROING YOUR ACCOUNT TO THE RECOVERY oEPARTHENT AT I BOO 926 3345. ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION 1-800-964-6000 NEW SALANCE $6,B41. 21 PrevlouI S,'lne. $6,728.11 Cr.dlt L1n. $5,000 - Cr,dlt. .00 A..II.br. Cr.dlt $00 - Payment. .00 Account Numb., 4428 0025 1250 4095 MinImum Payment $6,B41.21 + Purchl... ., Plym.nt DUI Oa.. 07/22/97 other Charg.. .00 AVlt.g. ANNUAL Dilly + Ca.h Advances .00 Type ot aal.nce D.lly PERCENTAGE P.rlodlc '1ItlmIllCD.e +F/NANCE CHARGE 113.10 aal.nel RATE Rlt. 06/27/97 + Lat, Charg. .00 Purch,.. $1,185.95 19.801 .05421 29 D.,.III - NEW BALANCE $6,841.21 C..h Advanc. $5,427.43 21. 901 .06001 lIIIntC,d. 000000000 0184 B184 FIRST DEPOSIT NATIONAL BANK First De~osit is available 24 hours a day. If you nee any assistanc.e With YOll{ account, D ease don t hBsltate to cal . our friBndly customer SBrVlce representatlvBs. They are always available to serve you. --' ACCOUNT NUMIER PAYMENT DUE DATE' 4428-0025-1250-40951 AUG 23,1997 MINIMUM PAYMENT I I $6,961.27 AMOUNT lNCLDUD 11$ Mill. Ch..k. PI,... T. ,.,.. Dt,o,.. BARBARA J GRIPPIN DANIEL H GRIPPIN PO BOX 321 NEWVILLE PA 17241-0321 " .UUII VISA GOLD 4428002512504095069682706968270 MESSAGES FROM VISA GOLD PLEASE DIRECT ANY oUESTIoNS REGARolNG YOUR ACCOUNT TO THE RECOVERY oEPARTHENT AT 1 800 926 3345. ACCOUNT SUMMARY CUSTOMER BERVICE PHONE NUMBER PAYMENT INFORMATION 1-800-964-6000 NEW BALANCE $6,968.27 Prevlou. 8a1lno. $6.841. 21 Credit Un. $5,000 -Cr.dtt. .00 Avall.bl. Cr.dh $00 - Payments .00 Account Number 4428 0025 1250 4095 MInimum Payment $6.968.27 + Purch.... .. Paym.nt Due DI.. 08/23197 other Chalg.. .00 AVlr.g. ANNUAL Dolly + C..h Advance. .00 Type of Bellne. Dolly PERCEN7AGE ',rlodc Icldlft'l....DIt. + FINANCE CHARGE 127.06 BaJance RA7E Rat. 07/29/97 + Lit. Charge .00 Purch... $1,205.73 19.801 .05421 32 D.y..... . NEW BALANCE $6,968.27 C..h Advlnc. $5,527.64 21.901 .06001 IlII,..C,d. 000000000 0184 8184 FIRST DEPOSIT NATIONAL BANK First DBp.osit is aVBilable 24 hours a dBY. If you nBBo Bny <ISSist;lnc.e With YOlJf accOunt, DleBsll don t nesltate to CBI . our friendly customer serVICB representatives. They Bre alwBYs available to SBrve you. ~ ACCOUNT NUMBER 4428-0025-1250-4095 PAYMENT DUE DAn MINIMUM PAYMrNT 1..,hllp)a.llif1:1 I ,.t1.......;>1 AMOUNT INCLOIID ,- I M.II. Ch..k.I ,..,..1." 11,., D.,.lt BARBARA J GRIPPIN DANIEL H GRIPPIN PD BDX 321 NEWVILLE PA 17241-0321 _NurnDor 442lllI0251215DGNl PAYMENT1NFORMA~ON NEW BALANCE cncIIl Uno Avlllalll. cndIl MlrI......P.ymonl Plymon/ Duo Doll $1,DIIUI 11I,000 IOD $1.olUI 0IlI'l2//J1 Pia. 1 0' 1 ..... VISA GOLD 44280025125040950708958070&95&0 ------------------------------------------------------------------------------- MESSAGES FROM VISA GOLD 'L1ASI DUECT ANt llUESTIIlIIS REGARDINO YOUR ACCOUlT TO THI RECDVUY DE,ARTHINT AT 1 100 '26 5541. ACCOUNT SUMMARY P......... Bal0nc0 . cndIlI - P.ymon/O + PIrCllI... l 0_ CIIoVgn + CIIh AdvIllCH + FINANCE CHARGE + Lall Cl1Irgo = NEW BALANCE 1II,1IIll1.27 .00 .00 CUSTOMER SERVICE PHONE NUMBE 1-800-984-8000 ,00 ,00 121.31 TVPo 0' Bllonco ,00 $1,018.158 P......... Cash Advance Average DIIIV Balanc. 11.22lI.17 11I,531.31 ANNUAL PERCENTAGE RATE 18.10% 2UO% DIIIV PorIocIc Rat. ,llll42% ,0lI00% 30 D.ys In 1IIIIng Cycl. ltal.M.nl D.I. 06125Jg7 000lI0l000 01 B4 BI B4 FIRST DEPOSIT NATIONAL BANK First Deposit is available 24 hours a day. If you need any assistance with your account, please don't hesitate to call our friendly customer service representatives. They are always available to serve you. -" ACCOUNT NUIIBlR PAYMrNT DU! DAn '1428-0025-1250-4095 I'Dliiiti,'iIi;\ MINIMUM PAYMENT AMOUNT !NCLOI!o I: ,:.;':.tI.....~..IIS "" .' I, . ',.n ....b Cheeu "YlIt" T. 'Iral a,potu I I I I , IARJARA J GRIPPIN DANIEL H GRIPPIN PO lOX 321 NEWVILLE PA 17241-0321 Page I of 1 - VISA GOLD 442&002512504095074666907466690 Account N_ 4UII 0026 1260 <IDll6 PAYMENT INFORMATION NEW BALANCE CredIt Uno Available CredlI MInimum Paymonl Peymonl Duo Dale S1.48UII .,000 SOO S1,481.- 12I211l17 ------------------------------------------------------------------------------- MESSAGES FROM VISA GOLD PLEAS! DUECT AI<< QUESTIONS REGAROlNO YOUR ACCOUNT TO THE RECOVERY OE'ARTlIENT AT 1 800 926 5545, ACCOUNT SUMMARY Provtousllalanco . CredlII . peymon/I + PII'd1UOI , _ awool + COllI AdVancH + RNANCE CHARGE + Lite awoo = NEW BALANCE S1.361.46 .0Il .0Il CUSTOMER SERVICE PHONE NUMBE 1-800-984-6000 .0Il .0Il Ill:: TVPO 01 Bllance S1,48UII P,"""II Cash AdVance ANNUAL PERCENTAGE RATE Il1.80% 21.IIIW. DillY Pori"'. ..Ie .Dl542% .0600% a1 aayt In Billing Cycle Average DillY Bllanc. 11.281.68 SS,lI4lI.08 Statlmentaltli 11126197 IlIl(lnoQO'(l 01114 MIII4 FIRST DEPOSIT NATIONAL BANK First Deposit is available 24 hours a day. If you need any assistance with your account, please don't hesitate to call our friendly customer service representatives. They are always available to serve you. --- ACCOUNT NUMBIR 4428-0025-1250-4095 AMOUNT EN~ID I IS I PAVMINl' DUI DAn MINIIIUM PAVMINT 1<,"12,111I'\ I.' t7,7a.' Make Ch_u "V-tll. To '"whll." IARIARA J GR1PPIN DANIEL H GRIPPIN PO IDX 321 NEWVILLE PA 17241-0321 'Ig. 1 of 1 - VISA GOLD 4428002S12S040~SD77425bD7742~bO ------------------------------------------------------------------------------- MESSAGES PROM VISA GOLD 'LIASI DIRICT ANY QUISTIONS REOARoIND YDUR ACCOUNT TO THE RECOVERY DEPARTHENT AT 1 BOO 926 3545. ACCOUNT SUMMARY P.....DlII Bllanc' . crtcIl, . PoymenII + PurcI1a'n . _ ChIrttt + CUll AdYonctt + FINANCE CHARGE + Ltl. ChIrgt = NEW BALANCE CUSTOMER SERVICE PHONE NUMBE PAYMENT INFORMATION NEW BALANCE CrtcII Unt AYIIIIbI. creell Mlrinun p'VlMnl P.YI1*IIllUe Oal. $1.7012.. U.ODD SOD $1,7012.. D2I22JIlI 1-800-984-8000 17,110.07 .00 .00 Accounl N_' 4128 00211210 ... .00 .00 132:: TVPt.' B.I.... S7 .742.. Plrcha.1 calli Advance 'lawmanl Dlte 01/28111I DIIIV ptt1oc1c Ratl .D6G% .080D% ANNUAL PERCENTAGE RATE 11.80% 21.1lo% A_"ilt Da!IV Balancl 51,332.26 $8,172.64 :10 DIY' In IlIlIng Cycle 000000100 0114 1.1114 PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! -- ACCOUNT NUMBER 4428-0025-1250-4095 PAvaUNT'DUE DAT! MINIMUM PAVII!NT AMOUNT ENCLOI!D 1..J~"'i;i;~;1 1.:-'Lj)l~;ia:1 IS M.II.. Checkli "YI~I. To '"",I4Ien BARBARA J ORIPPIN DANIEL H ORIPPIN PO BOX 321 NEWVILLE PA 17241-0321 P'GlI of 1 - VISA GOLD 442&0025125040'507&734&07&734&0 ------------------------------------------------------------------------------- MESSAGES FROM VISA GOLD PLEASE DIRECT 00 llUESTIONS REOARDINll VOUR ACCOUNT TO THE RECOVERY DEPARTHENT AT 1 100 926 5545. ACCOUNT SUMMARY PI'llllOUI BII_I - Cl'edl1I -P~. + Pun:hu.. l _ awaeo + CaIh AllY...... + RNANCE CHARGE + Lola CharlIe = NEW BALANCE 17,7U.8I .00 .00 CUSTOMER SERVICE PHONE NUMBE 1-800-984-8000 Accounl NumIltr .us 1lD251215D 4OIl6 PAYMENT INFORMATION NEW BALANCE CI'edII Une Av.1l1b11 CI'edII MlnllIU1I p.ymenl P.YIMtIl Due 0.11 17,173.. fa,ODD 100 17 .B73.. D312311l8 .00 .00 130:: TyPe or BIl..... 17,873.41 PlrdII.1 CaIh AllY..... Averllll DIlIV 11II..... 11,363.72 fa,282.12 ANNUAL PERCENTAGE RATE 19.10% 21.00% DIlIV Perf"'. RIll .0642% ,0800'. 21 DaVlin Billing eyer. .latam.n.D.I. 02126/98 lI(JOOOooQW 0184 101184 PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! ..... ACCOUNT NUMB!~ 4428-0025-1250-4095 PAYMENt Dur OAfE MINIMUM PAYMrNT AMOUNT rNCLOI!D 17;::~" 14i"",'1 I" ;u"'02O.hil IS M.ke Check. "18'-1. TD ,",.,,"... BARBARA J GRIPPIN DANIEL H GRIPPIN PO BOX 321 NEWVILLE PA 17241-0321 "I;' I of 1 ..... VISA GOLD 442&0025125040~50&020230a020230 -~----------------------------------------------------------------------------- MESSAGES FROM VISA GOLD PLEASE DIRECT IJf'/ IlUESTJCl/lS REIlARDIHll YOUR ACCOUNT TO THE RECOVERY DE'ARTIlENT AT I no 926 5545. ACCOUNT SUMMARY Prr<tOlll 8Il1llC. - erodll -pa_ + Purcha... . _r Chargo. + Dam _...... + FINANCE CHARGE + Lal. awvo = NEW BAlANCE CUSTOMER SERVICE PHONE NUMBE 17.873,411 .0lI .0lI A<COII11 Nurnbor 44211 002512110 ~ 1-800-984-8000 PAYMENT INFORMATION NEW BALANCE credit u... Avallabl. erodl MIni.... Pa_1 PaYl!1ll1l Duo Dal. 18,020.23 ".0lIlI too 18.020.23 lw.IWI ,0lI .0lI 1411,75 ~_ r D_' .00 "..... 0 ~anc. 18,020.23 PlI'Chas. Dash _one. Averago ollW Bllance " ,375.34 18,398.83 ANNUAL PERCENTAGE RATE 18.BO% 21.00% DillY PorIocI. Rata .000I'o .oeoo % 31 D.V- In 81111ng Cycl. .tatlm.nl D.l. 03I3DI98 DOlI1D1OOl1 D1N 1621 PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! -- ACCOUNT NUMBER 4428-0025-1250-4095 PAYMENT DUE DATr MINIMUM PAYMENT I' :YlliiY~;1"':1 1(::';"i",,,~jl:1 AMOUNT INCl.OIlD I' I ...b Clleckl 'IYI~I. To 'ravhll." BARBARA J GRIPPIN DANIEL H GRIPPIN PO BOX 321 NEWVILLE PA 17241-0321 Plgl lor I - VISA GOLD 442!DD2S12SD4D'5D!lSSb4D!lSSb4D ------------------------------------------------------------------------------- MESSAGES FROM VISA GOLD PLEASE DIRECT ANY IlUESTIOI/S REGARDING YOUR ACCDUNT TO THE RECOVERY DEPARTHENT AT 1 800 '26 5545. ACCOUNT SUMMARY P'""'.... Ba/anc. . Cl'ldl1I . P.ymonts + PurchuoI . olhor Ch.VVet + CIIh Advll/1CU + FINANCE CHARGE + Lat. Ch.VVe = NEW BALANCE CUSTOMER SERVICE PHONE NUMBE 1-800-964-6000 PAYMENT INFORMATION NEW BALANCE CI'IdII Uno Ava/lobi. CI'IdII Mlnlnun P.YIntIIC P._, Duo 011. ..156.14 ..000 100 ..II1l1.114 05I23IIlII ..020.23 .00 .00 Ace....C NlOtlbor 442B 0025 12&0 411116 .00 .00 135:~ Type 01 Bllanc. ..156.114 Purchoto Cash Advance Averag, Dill!! Salute. '1.399.211 ..618.06 ANNUAL PERCENTAGE RATE 18.80% 21.90% Da/I!! port"'e Rile .lI642% .0600% 'tat.mant Date D4128/98 all Dayaln BlllIna Cycla ODD101ooo 0184 1621 PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! .-; r , ! t ACCOUNT NUMB!R 4428-0025-1250-4095 PAVMrNT, DUE D.UE P!~'l(l)i'''.'''~':1 MINIMUM PAYMENT AMOUNT rNCLOIrD 1""""'''''';''*1''1 IS J,', n.i'~._~" Mike C"ecu ,..,.... To PtI'Vt",,, BARBARA J GRIPPIN DANIEL H GRIPPIN PO BOX 321 NEWVILLE PA 17241-0321 Plge I 0' I - VISA GOLD 442a002S12S040,soa2,alaoa2,alao ------------------------------------------------------------------------------- MESSAGES FROM VISA COLD PLEASE DIRECT AHV QUESTIONS RE;ARDIIlll VllUR ACCllUNT TO THE RECOVERY DE'ARTltENT AT 1 800 '26 5541. ACCOUNT SUMMARY Pm... 811..... - endll -P- + PIrChI_ . .- awgu + CIIh Adv..... + FINANCE CHARGE + ~ll Chorgo = NEW BAlANCE CUSTOMER SERVICE PHONE NUMBE PAYMENT INFORMAnON 11I,156,114 1-800-984-8000 NEW BALANCE 11I'-.11 .DO endlUno S6.DOD .DO Avollll>ll endl IDO _I Numbor 44211 002& 1260 4CIll6 MJ~..... PI_t 11I'-.11 .DO PI_ Duo 01.1 0III22IIl8 .DO Averlgo ANNUAL DoIlV IlIt.m.nt Dlt. U2.114 .DO TVJ>e .r BoIlnel DIIIV PERCENTAGE port"'e 05128/98 11I,298.18 Silane. RATE R.te PII'ChaIl 11,421.114 18.10% .1lIi42% 30 D.'fI: In CIIh Advancl 11I,833.32 21.80% .0600 % Bllllna Cycl. 0D0l DI DOll DlII4 1621 PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! --' ACCOUNT NUMBIR 442S-002S-1Z50-4095 PAVMINT DUI DM'I MINIMUM PAVMINT I",;;".~",'-'I 1< ,. .,'.U7~1 AMOUNT INCLOIID IS I M,Il, Ch_u """. 'e 'r'WIdl,n IARIARA J GRIPPIN DANIEL H GRIPPIN PO lOX 321 NEWVILLE PA 17241-0321 '.g. 1 or 1 .... VISA GOLD 4428002S12S040'S08?S13?06?S13?O ---------------------------------------------"--------------------------------- MESSAGES FROM VISA GOLD PLEASI DlftlCT AHYQUESTIONS REoAftolNQ VOUft ACCOUHTTO TNE RECOVERY oEPARTUENT AT I ~ 821 2341. ACCOUNT SUMMARY P......... ........ -crtcIIlt .pa_ + Purchuu .. - CIIaIVH + CaIh AdYlIIICft + RNANCE CHARGE + !JII. Chargt = NEW BALANCE CUSTOMER SERVICE PHONE NUMBE PAYMENT INFORMATION ....06.16 1-800-984-8000 NEW BALANCE ".71t .37 ,00 crtcIIl Unt t6.0lID .00 Av..llIlI.crtcIIl 100 Ace"",,1 Numbtr 44211 0026 12150 4Il96 Mlnlnun PaYl11tnl ".71t.37 ,00 PaYl11tnlOUt Oat. 00I22IlIlI .00 Average ANNUAL D..IY 141.12 Stlt8mlnt D.t. .00 TYPt ., Bllanc. D..ly PERCENTAGE Ponode 08l2.1S8 ",761.37 B....... RATE Rltl Plr'ChaSI '1,4I1U18 19,10% ,ll642% 2. DIy. In cash Adv..... $1.01l.76 21.110% .1160O% Billing Cycl. '.oQOO)O(,O DIM DIM PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! - ACCOUNT NUMlIlR 4428-0025-1250-4095 PAYIUNfI DU! 11M! MINIMUM PAYMENT AMOUNT rNCLOIrD 1:'IlO'i~;"'1 I .";070..' I " M,k. Ctl.k. ,..,..,. T. '1OY'.I... IARIARA J GRIPPIN DANIEL H GRIPPIN PO lOX 521 NEWVILLE PA 17241-0521 Pig. I of 1 """" VISA GOLD 442&DD25125D4D~5D~D7D~&D~D7D9&D ------------------------------------------------------------------------------- MESSAGES FROM VISA GOLD PLEASE OIREer ANV QUESTIONS REDARolNG YOUR ACCOUNT TO THE RECOVERY oEPARTIIENT AT I IlIO821 U41. ACCOUNT SUMMARY PmII.... 801..... - CncIII . PI- +P........n. - 0IIrgn + CIIIl Advl/1Cn + FINANCE CHARGE + LoI. Chargo = NEW BALANCE CUSTOMER SERVICE PHONE NUMBE IUoII.71 .DO .DO AccounI NLmlOlt' 4428 0025 1260 4DG5 1-800-984-8000 PAYMENT INFORMATION NEW BAlANCE CncII Uno Ava/lllll. encll Mlnlmum Plymonl PI_ Duo 011. Ill.07o.1lI Is,oDO IDO 11I.070.11I tt1231l111 .DO .DO 181.27 .DO TYPo 01 Blllncl 11I.070.11I P........ COlli AdvI/1CI AYII'IIIO Da/IV 1Ia/1/1CO 11,545.28 17,273.07 ANNUAL PERCENTAGE RATE 111.10% 21.80% DIIIV Pmoll. Rill .0642% .0800% IlIll'mlnt Dlt. lD12911lll 3t D..,. In 11II1ng Cycl. l''''~ 0184 Dl84 PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! --- ff'~ PKOVIDIAN BA.NCORP SERVICES LEGAL REPRESENl'Al10N AND FEE AGREEMENT AnnENmJM , ~ illIIIde thiI ~dl.Y of J4w , ~998. by md bctwC0;.4 ProvldlIII Bam:otp ~ Scrvlcc6, a C&lIfomla corporadon hlvii;lii ofti.cc Il~J , pI...."'nn. CA 94588 (herdoafler ca1IaI 'Compmy") md Apple 1/1 o1Iilz II <4650 .~ '" IlIIIm Road. Pm.bu.llh.PA 15213 (berdoafter . AuiliDcyW). This II m .M-"'1lI - ~r:,1'" ~ 10 the 1.qal1lepn:lezllUloo mI Fee AIJ=IlIDIIn cfti:cI betweea Provldlm Bulcorp _ 1.1 L.... ServiceI mI Apple It Apple u of JIIlIIIIy 3, 1997 . u ........!-d by ,Ati"-l. from rime cr;r 10 time, (the "Asr=m=") which wlD mmln in etfi:ct UIllea ","";,,..~ by either party ~ willi five daya prior writtz:n notice as provided by 1be Agreement. WHEREAS, ADDroi:y Is enpged in the bIWDess of obtaiaing jud81'''''''' on mil coUecdDg ddiDquent ICCDOIIlI, including poII-judgmcm &CCDUIIt&, aJllI wbt;Ru CompIIIy desires ADDmt:y 10 perfOJlD IUl:h IeI'ViceI for the dellnqueul &CCOlIIIIII of Company mI Compmy's Iffilillcs, including, wilhouIlimltltrinn. Providian Nalional1Zlk (a NIIioIIII jUnrmg Associalion domiciled in TlIton, New H''''P''h~), Provldlm BIIIk (a Utah iIIdustria110au corpmation, domiciled in Sail Lake City. Utah), and Fim Deposit Service Corporation (a California COI}lOrIIion domiciled in San Francisco, California); NOW TBEREFORE, in r-Ql1.idmliDD of the COVeDaJIIS berein coDlained and olber good and valuable crnurid=tiDD, the parties lIIIIIUally agree as follows: ~;f4wA ~ 1) Cmnn,C- Fee: For all paymems received on accoums 00 or after JUDe I, 1998, AIIcrm:y will be emitled to coDliDgClll fees as follows: 33~% CnnriY1rent Fee of;l94 on: i) Post jtld8'""1It r=:overics, whether through judgment1ie:o, pending execution, settlCll1Cllt and paymem ammgemem effected by the Atlomey, as long llll ICCOUDI is DOl reIIImed 10 or recalled by Company, Post-judgm"'1f is 'defined as on or, after the dale 00 wbil:h the coun bas ClIICred judgment. iI) Recoveries, whether or DOt negotiated by .AIIomey when Ibere bas beeD an answer or responsive pleading filed. iii) Recoveries negotiated by Attorney with an attomey for the debtor. REDACTED CONFIDENTIAL/PRIVILEGED INFORMATION (ATTORNEY-CLIENT) ...... REDACTED CONFIDENTIAL/PRIVILEGED INFORMATION (ATTORNEY-CLIENT) , , provided herein, the lI:mlS of the Agreement shall remain in full CII1bal S<:olor Va Pn=sidt:Dt. AsIl:t RccoveIy ProvldIm IIancorp Servius 4900 JcImaon Drive PleuaD/Dn, CaIlfomia 94588 . & Date # 4 ...... COUNTY OF ) ) 55 ) STATE OF Before me, the undersigned authority, personally appeared who, being duly sworn according to law, deposes and says that the foregoing Answers to Requests For Admissions are true and correct to the best of the affiant's knowledge, information and belief. SWORN TO AND SUBSCRIBED AFFIANT'S SIGNATURE BEFORE ME THIS DAY OF AFFIANT'S PRESENT ADDRESS: ,19_ NOTARY PUBLIC TITLE OF OFFICIAL -- PROVIDIAN NATIONAL BANK NO. 1999-1955 IN CIVIL ACTION ! ! i r I r I , , I f I I " IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA -vs- PlaintiJ!{s} Defendant{s} PRAECIPE FOR JUDGMENT ON ORDER ',' BARBARA J. GRIPPIN CODE- FILED ON BEHALF OF PLAINTIFF COUNSEL OF RECORD FOR THIS PARTY: James R. Apple, Esq. PA l.D. No. 37942 Charles F. Bennett, Esq. PA LD. No. 30541 Joel E. Hausman, Esq. PA LD. No. 42096 APPLE AND APPLE, P.C. Firm No. 719 4650 Baum Boulevard Pittsburgh, PA 15213-1237 Telephone (412) 682-1466 Fax (412) 682-3138 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUN'rY PENNSYLVANIA PROVIDIAN NATIONAL BANK NO. 1999-1955 IN CIVIL ACTION -vs- Plainli/!{s} BARBARA J. GRIPPIN Defendant{s} PRAECIPE FOR JUDGMENT ON ORDER TO THE PROTHONOTARY: Kindly enter judgment against. Defendant(s), BARBARA J. GRIPPEN, on the Order dated December 6, 2000 granting Summary Judgment in amount of $9,070.98 plus interest, computed to be $3,592.11 and attorney's fees of $3,020.64, for a total judgment of $15,683.73, together with costs. I certify that the address of the Plaintiff and the Defendant are as follows: Plaintiff: Providian National Bank, c/o Apple and Apple, 4650 Baum Boulevard, Pittsburgh PA 15213 Defendant: Barbara J. Grippen, 822 Doubling Gap Road, Newville, PA 17241-9753 B: // /Attorneys 'for Plaintiff(s) ,/ I ! i l