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Home My WebLink About99-06411f n 71A W. . y u z ,.x F? t?. ? T 4Y a ? eR? F r? b 1, ' ' tC V 3 N. V- ti . r kc ?t ? I i S45 t} t fit.. . i{. - e 4 1 VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 East State Street P.O. Box 1779 Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PROVIDIAN NATIONAL BANK SUELLEN YIENGST Plaintiff VS. Defendant NOTICE L/// NO. You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by an attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for other claims or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO, OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17103 (800) 990-9108 THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. VALERIE ROSENBLUTH PARK ATTORNEY I.D. # 72094 PARK LAW ASSOCIATES, P.C. 25 EAST STATE STREET, P.O. BOX 1779 DOYLESTOWN, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF CUMBERLAND COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK 295 MAIN STREET TILTON, NH 03276 PLAINTIFF VS SUELLEN YIENGST 6218 Wallingford Way Mechanicsburg, PA 17055-7326 DEFENDANT NO. 9 9. G Yl/ /, CIVIL ACTION 1. PROVIDIAN NATIONAL BANK, an organization domiciled at 295 MAIN STREET, TILTON, NH 03276, and existing under the laws of the United States of America, is the owner of a credit account opened at the request of the Defendant. 2. The Defendant is SUELLEN YIENGST, an individual who resides at 6218 Wallingford Way, Mechanicsburg, PA 17055-7326. 3. The Defendant is indebted to Plaintiff on the credit account by virtue of charges or cash advances incurred by the Defendant or authorized by the Defendant on a credit card or line of credit owned by the Plaintiff bearing account number 5497485500725769. 4. The terms of said account are stated in the documentation attached hereto as Exhibit "A." 5. The Defendant has failed to pay the amount owed in accordance with the account agreement and has failed to pay the outstanding debt as agreed. 6. The Defendant is indebted to the Plaintiff in the amount of $3,418.55 as of 09/30/1999, plus pre-judgment contractual interest at the rate of 6.00% per annum, less payments made. 7. In accordance with the documentation attached as Exhibit "A," Plaintiff is entitled to reasonable attorney's fees, and Plaintiff will incur attorney's fees in the amount of $683.00. COUNT II 8. Plaintiff hereby incorporates paragraphs 1 through 7 above as though set forth in full. 9. The Defendant received a monetary benefit, which was in fact appreciated by the Defendant. 10. The Defendant accepted the benefits. 11. By virtue of the circumstances surrounding the request for funds made, the Defendant knowingly requested the funds at issue and/or knowingly and voluntarily accepted the benefits bestowed. 12. It would be inequitable for this Court to allow the Defendant to retain the benefits of the funds or to be unjustly enriched at the expense of the Plaintiff or allow the Defendant to retain the value of the funds at issue without repaying the Plaintiff the value of same. .....4 ?, ,'?ry.i?:. "" "fir" "?YS:?W:.vm.» fl'....x_.. ,...er„ .r •: vi .r o .,.. u?+?ws.. r:?:aav?,..v?wa.,i. m....W .. w,...K,.....,.«._:«.,.s*' tiu?.o.i?Yii WHEREFORE, Plaintiff demands that judgment be rendered in sr favor of the Plaintiff, PROVIDIAN NATIONAL BANK, and against the Defendant in the amount of $3,418.55, plus pre-judgment interest at the contractual' rate of 6.00% .per annum from 09/30/1999 until the date of the judgment herein, plus reasonable attorney's fees in the amount of $683.00, less payments made, plus costs and any other such relief as this Court deems reasonable and just. PARK LAW ASSOCIATES, P.C. BY: ZL? VA IE ROSENBLUTH PARK, ESQUIRE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, IT IS REQUIRED THAT WE STATE THE FOLLOWING TO YOU: THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. td l;l COMMONWEALTH OF PENNSYLVANIA: COUNTY OF BUCKS Valerie Rosenbluth Park, Esquire, being duly sworn according to law, deposes and says that she is the attorney at law for Park Law Associates, P.C.; ( ) That the party lacks sufficient knowledge or information to take a verification; Outside the jurisdiction of the Court and that the parties yverification can not be obtained within the time allowed for filing of the foregoing; That I am authorized to take this verification; that the facts contained in the foregoing matter are true and correct to my information and belief; and That the source of my information or facts of documents are provided by my client. VALE E ROSENBLUTH PARK, ESQUIRE ?Z j ;- aIr SvN-L`T u 3e y a T '?! .s o i. ,u 3 s S J j 3 `? 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L vi -i?LC CY.Y -^?? v^ LC- E?'?aE ZCn ??Y_Y CS {/ - v `z: C = - y= •. ' n - V Y ?. L n `"C• A ?. 11 v w .Y E A M1' F C L C_ G' < R 4 L ELYL??ER.€Q s??-_nY VC r'?ET<€ Y?.e C?E?F•yc C T ?, r:tir ?,"•,?aC _ L L E g v € L L I y? - L € I,- t L YLY C 'rt n "LYE _ E < - C € ."., Y ?' > E st. Y t ^ ^ = E. "Y k C Y r'E ` " Y - Y PROVIDIAN NATIONAL BANK, : IN THE COURT OF COMMON PLEAS Plaintiff : OF CUMBERLAND COUNTY, PENNSYLVANIA VS. No. 99.6411 CIVIL TERM SUELLEN YIENGST, Defendant PRELIMINARY OBJECTIONS AND NOW comes the Defendant, by her attorney, JAMES M. BACH, and files the within PRELIMINARY OBJECTIONS: 1. MOTION TO STRIKE OFF COMPLAINT. The Sheriff of Cumberland County served the defendant herein, Suellen Yiengst, a true ;Loa from the record Complaint on or about 11/1/99. The Complaint delivered to the defendant and noted as a TRUE COPY did not contain a verification. At the legal end of the Complaint, the attorney filing the complaint, Valerie Rosenbluth Park, Esquire, did not execute same. See Exhibit A. 2. MOTION FOR A MORE SPECIFIC PLEADING. In paragraph six (6) of the instant complaint, it is averred that the amount of this debt is Three Thousand Four Hundred Eighteen Dollars and Fifty-five Cents ($3418.55). There are no documents to support this allegation. This is a violation of the Rules of Civil Procedure. The plaintiff should be made to show the defendant by way of invoices the basis for the suggestion of debt, contained in the complaint. 3. MOTION TO STRIKE OFF COMPLAINT In paragraph three (3), the plaintiff is requesting attorney fees, but does not file any documents or invoices to support said request. The plaintiff should be required to submit documents and/or invoices to support this request. Lack of documentation is in violation of the Rules of Civil Procedure. 4. MOTION TO STRIKE OFF COMPLAINT In paragraph twelve (12), the plaintiff suggests that it would be inequitable for the court to allow the defendant to retain the benefits of the funds, etc. This paragraph is impertinent and scandalous, and should not be allowed. The Rules of Civil Procedure do not allow impertinent or scandalous matters to be placed in the body of a complaint. The plaintiff should be required to delete this from this complaint, or in alternative, have the complaint struck for failure to do so. WHEREFORE, in light of the preliminary objections filed herein, this honorable court should strike off the complaint, or in the alternative require the plaintiff to amend the complaint according to law. Respectfully submitted, Date: November 11, 1999 By: TTRNEY JAMES M. BACH At ney I.D. A 18727 352 South Sporting Hill Road Mechanicsburg, PA 17055 (717) 737-2033 Attorney for Defendant ;._ ?:` -_U, , ? ?c r? ? 4? ?? ? ? r? ;.• r r,,; Oi (i1?. ? ? . I ? `a. i ?. n?'?3 ? ' - - .- -s t?. ? m ?» ,? ,, ?£ Ya?b, ?? Ssra, t ? 3?t b., ? w 6 i m4e?Y 4u? ? .?. ? ?, ??, ? ?? t?G ? A d.t i. ?' ? ? ? ? . ? ? ? q ?? h n. k? i.',p )? ' ? ? ? ?R1 V { ... ., tt t ? ? ? K?? ,ti lgutc?+ ??-i .9T?i y,.4 ? K rt:.(#+ r? A:1 ;,0.f SHERIFF'S RETURN - REGULAR CASE NO: 1999-06411 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PROVIDIAN NATIONAL BANK VS. YIENGST SUELLEN RICHARD SMITH , Sheriff or Deputy Sheriff of CUMBERLAND County, Pennsylvania, who being duly sworn according to law, says, the within CIVIL ACTION was served upon YIENGST SUELLEN the defendant, at 20:06 HOURS, on the 1st day of November , 1999 at 6218 WALI.INGFORD WAY MECHANICSBURG PA 17055 CUMBERLAND County, Pennsylvania, by handing to SUELLEN YIENGST a true and attested copy of the CIVIL ACTION together with NOTICE , and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So answer 18.00 8.06 8.00 R. `-yno fS+. K11RCS 11/03/199 by sworn and subscribed to before me this ' rt- day of F.?-- 19? A.D. VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 East State Street P.O. Bok 1779 Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF PROVIDIAN NATIONAL BANK Plaintiff VS. SUELLEN YIENGST Defendant CUMBERLAND COUNTY COURT OF COMMON PLEAS NO. 99-6411 CIVIL TERM You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by an attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if.you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for other claims or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO, OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. COURT ADMINISTRATOR 4th Floor, Cumberland County Courthouse Carlisle, PA 17013 (717) 240-6200 THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Y K(; VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 E. State Street Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF PROVIDIAN NATIONAL, BANK Plaintiff VS. SUELLEN•YIENGST Defendant CUMBERLAND COUNTY COURT OF COMMON PLEAS NO. 99-6411 CIVIL TERM PLAINTIFF'S AMENDED CIVIL ACTION COMPLAINT 1. Providian National Bank, an organization domiciled at 295 Main Street, Tilton, NH 03276, and existing under the laws of the United States of America, is the owner of a credit account opened at the request of the Defendant. 2. The Defendant is Suellen Yiengst, an individual who resides at 6218 Wallingford Way, Mechanicsburg, PA 17055-7326. 3. The Defendant is indebted to Plaintiff on the credit account by virtue of charges or cash advances incurred by the Defendant or authorized by the Defendant on a credit card or w line of credit owned by the Plaintiff bearing account number 5497-4855-0072-5769 4. The terms of said account are stated in the documentation attached hereto as Exhibit "A". 5. The Defendant has failed to pay the amount owed in accordance with the Account Agreement and has failed to pay the outstanding debt as agreed as evidenced by the Statements of Account attached hereto, made a part hereof, and marked Exhibit "B". 6. As of June 29, 1999, the Defendant was indebted to the Plaintiff in the amount of $3,567.04. Since then, the Defendant has made payments on the account and as of September 30, 1999 the principal amount owed to Plaintiff was $3,418.55, plus Pre-Judgment Contractual Interest at the rate of 68 per annum. 7. In accordance with the documentation attached as Exhibit "A", Plaintiff is entitled to reasonable attorney's fees, and Plaintiff will incur attorney's fees in the amount of $683.00. COUNT II 8. Plaintiff hereby incorporates Paragraphs 1 through 7 above as though set forth in full. 9. The Defendant received a monetary benefit, which was in fact appreciated by the Defendant. 10. The Defendant accepted the benefits. 11. By virtue of the circumstances surrounding the request for funds made, the Defendant knowingly requested the funds at issue and/or knowingly and voluntarily accepted the benefits bestowed. 12. It would be inequitable for this Court to allow the Defendant to retain the benefits of the funds or to be unjustly enriched at the expense of the Plaintiff or allow the Defendant to retain the value of the funds at issue without repaying the Plaintiff the value of same. WHEREFORE, Plaintiff demands that Judgment be entered in favor of the Plaintiff, Providian National Bank, and against the Defendant, Suellen Yiengst, in the amount of $3,418.55, plus Pre- Judgment Interest at the contractual rate of 6% per annum from September 30, 1999 until the date of the Judgment herein, plus reasonable attorney's fees in the amount of $682.00, less payments made, plus costs and any other such Relief as this Court deems reasonable and just. Respectfully submitted, PARK /j,AW? OCIATES, P.C. /v BY: VALERIE ROSENBLUM PARK, ESQ. Pursuant to the Fair Debt Collection Practices Act, it is required that we state the following to you: This is an attempt to collect a debt. Any information obtained will be used for that purpose. STATE OF CALIFORNIA COUNTY OF ALAMEDA SUSAN M. WRIGHT , states that she/he is the Designated Agent of PROVIDIAN NATIONAL BANK and is authorized to take this affidavit on its behalf and that the facts set forth in the foregoing complaint are true and correct to the best of her/his information, knowledge and belief; that there is now due and owing from SUELLEN YIENaST the sum of $3,560.70 plus interest and attorney fees; and that there are no deductions or offsets of any kind, except as are therein specified and credited in the complaint. She/He further understands that false statements made herein are subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. s M. WRIGHT 5497485500725769 s Z?xa B o rg s£ l1C2 12 V O 6 ? ? u E C s?^ ?t yn.?E 7S _ev??e?/?$Sbq?'??}¢y5 y? ? <EyM ?j? q•?T'?E, gc?•5 SZ 5???2jM.5 C= R. ... '. a ? >' aka ? [#=< @ ¢ C ? ? ? ?v ti i , • ?Pv ? 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C :dy ?'E ?S< t @ I? +?? 6 'E? - a aL b $?rut g u P, r IN -58 ? -Oil 11 ? greuyy tc¢Y 5 q Y?E X:.2YL w..B?iu'd•5?al?cL?3 ubm <u?+'T5o?L`°. NIX 5.,5, ??Ye ri'?y Yg.5 "3-y?xC? 4 `.?'b?ta}?sdgm a.1 '9 C w;La mx ' Fp3. a < ?`i+' S= 2L''gg b <' a93 w <Q?m ra?L ? yC' 3 ?`$8 5u? uya ??C ?.5Cr?S W. Eor 17?y sut 42 a- 3 ic.' xX 'u `J a u u 5 m u k g?rgmb.5 0?i$u ° 3 ?CeO ???ba?%? mT?a T __??b_-a§ca a"3?3n 5o i 8 ~ b ?°- w CCk"6 i- A Ci?•'Y?udvY Y<n + jv?3yy a-m- + ua (?:lm„_._} £m?Y_ E u F•' 5 / 5.5 y ? b3r =apTC ?5?gg? 3n7Y'nuV•n u1tb?`au Y?3-3•11 . LS. SEEy. uC R' L'Ja?89 u-?L:J O<9?n?RLaVr q TVA C'-uuA 12/15/99 If® 13:59 PAX 923 225 1341 NATIONAL LEGAL ++7 PA 2 ®003 Welcome ti ror•rara jPROVIDIAN Fin,•rbl Enjoy the Exclusive Benefits Providlon MasterCard' Brings You-Call Now to Activate! June 1998 Dear Fist Union Customer, we are delighted to welcome you u a new customer and to notify you drat, as oFMonday, June 29, 1998, your Fiat Uniam•aedit cud will be itsued by Providlon National Bank. 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Established in 1853, Providian National Bank Is a member of the Federal Deposit Insurance Corporation (FDIC) and of Providlon Finaacid Corpantiodi $12 Won in* of fiaandal semen companies. Providlon serves millions of credit and customers throughout the country. Activate Your Card Immediately. Just all toll-Free 1-800131-7566 to activate your and - and you an a= enjoying all the benefits of your Providlon MuterCard as of Mango June 79,. After that date, go ahead and destroy your Fiat Union card and any unused First Ualon convenience diodes. Your replacemeat check will be sent to you within die nett few wades. Remember to keep your account number handy. If you currently have any automatic deductions 00 your First Union account (e.g., a health dub membership or online Internet service), all those merduats to have your account number swished to your new Providlon Platinum MasterCard account number. Help Is Always Available. Please read the enclosed materials or all our Cuutomer Service tam widi any quadonL They are ready to be of service whenever you need assistance. Call 1.800.9447344 to access your account taformadon anytime, bc&udng Monday, June 29. Sincerely, V,04? Eileen Suck Senior Wes President //•?h :1 1ir?i:lJi L.+.e Pc r.ii nn rn•.• s onn Av 756 r„ ..,i",r %wir new Prm4diin ,I]/ttrrard rirht awav! - 12/13/99 ICED 11:02 FAX 925 223 1311 YATIONAL LEGAL +•+ PA 2 %1 Cho, nge for the Better. Wcicome to Providlan, j the company now issuing. your First Union ciedit cud. Your new Providlan MasterCard doesdc just replace your Furst Union Masterardr-Alt surpasses it with unparalleled platinum benefits. Providion: A Name You Can Trust Extra Benents at No Extra Cost. ®001 With Providian MasterCud, you ll enjoy benefits above and beyond those you had on your First Union MasterCard: • Free Auto Ream Collulon Ptoteedoo • S1,ooo,o0o Trawl Weltom e • ?° T° Protactlon for New You've Been Upgraded to Premier Status Ptttehuaa with Your New Provldion MasterCard: . Up to oaeF.atmyev i f Providian National Banc is a member of the Federal Depositinsurancc Corpomion orations PbsanciA Cor vidl f an Pro (FDIC) and o p $12 billion Emily :1 •N; offinancdalservices .. .. i •. f?, =llli Companies. As one of the nations ' •.?'.+• i. .. l2roen VISA* and i Providian proudly servca millions of credit cud customers throughout the '?'counrry. o Protacoonwith pumdedWkrr=:y • Up to $3,000 Lott • - LUU%p Proomdon Cad mace.. 3 EASY • ENJOYING • • a a ' Activate your new card (minedlately by calling toll-free 1-800-431-7566- 2 Begin uuing and enjoying your new MytercudsmrdngonTnne29.19Z- 3 Desuroyyour FirstUnioacredit cudand any unwed convenience cheeps after Tune 29. 1998. sots a 12/13/09 RED 14:00 FAI 925 223 1341 __-NATI01 Enjoy Convenience and Buying Power with Providian Platinum MasterCard. With Providian you will have many extra benefits, plus: • Cash access to your entire credit line • A second card at no extra charge - Free personalized checks Specialised customer service - Round-the-clock fraud protection - Extensive travel discounts • Free credit card Rgtstratlan if you have questions about r w or 6% the Cur"t"- PcovidlanMasrerCsd- our Customer Service team ?ai your phone all away. And you account information at any time, 24 hours a day, seven days a week, at 1.900-944-7344. ,?.r l?• SP, Cr. Provldlan National Bank MEMBER FDIC I PROVIDIAN ter' FOLt011•? Financial 12/15/90 TIED 1:59 FAX 025 225 13/1 NATIONAL LEGAL. r++ PA 2 ACCOUNT NUMIJe PAYMENT DUJ OATI MINIMUM PAYMINT AMOUNT ILD 5497-4555-5072-5769 = --r YdN clrY PNNi Yn parr SUELLEN YIENOST 62111 WALLINGFORD NAY IIECHANIC$OURD PA 17035-7326 papa I r 1 ONWA MASTERCARD 5447485500725769035670403567040 - area 1• Purchf faa a Jowl Charm" t onIHANCECHARM NNEJ ? J aINOm 1800-280-05b8 m AOaarea Nmbw me 4150 0072 JOIN m AD Avwaaa sm AO TYR ar aatmu DORY Umin deUuae n mme M?m Oarh Adwaas iii-h- ANC vwm crem Qw tun AVOW" CrOM so MWmM I ? m m ,iua AMIUAL OW l POWWA0E Phase OIRaiIN AI $ M% AO% $ nor"a am% prM% rndoveb THIS IS AN ATTEMPT TO COLLECT A DEST. ANY INFORMATION OBTAINED WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. PROVIDIAN NATIONAL BANK Access to credit Is essential In today's world, Bringing your Provldlan account to PAID status would be an important step toward Improving your credit record and restoring your access to credit, ®005 Lll 12/15/00 WEE) 13:55 FAX 025 225 1341 NATIONAL LECAL 4++ PA 2 Q004 • ACCOUNT NUMSM MYMW DUU DATE MINIMUM PATMOR ANDUNf DKW"KD 5497-4053-0072-5769 BMW mmmm s< PMA tab PA7? 1ti PEA SUELLEN YIENOST 6218 WALLINGFORD MAY HECHANICSOURB PA 17055-7326 _? PW?tdt aooooo m MASTFRCARD 5497485500725769008550003560700 ----------------------------------------°----_ MATNNI U CUOTOAAlRb[NVICiPHONlNVMOfiR M? ACCOUNT SUMMARY MS SA "M20 0alws tA500 wla R 1.8(944- . a r iA d Mk 0*0 -- smug AO paumm l *06w sm 4105 007! 07. A p ? + A PLId xmn DO Paw 007J2190 ~r , At+ _ A ANNUAL ow am ?ofinaCO + FfUNCECHARM AO gay at oawm u pfRCFNiA= P@rWdG +N6M7?0 ?tm d RATE 0%% jam% 22 ow IN me i N 1C=hAdWw2 sm AO% mm% savclaw PROVIDLAN NATIONAL BANK We appr8phankyour business. Youl 12/16/00 WED 13:56 PAX 026 226 1311 NATIONAL LEGAL ACCOUNT MUMS" PAYMENT DUN DATI M:N:MUM PAYMENT - 5497-4855-0072-5719 SUELLEN YIENGST 6219 WALLINGFORD NAY MECMANICSIURO PA 17055-7326 "Idt aoaooo no •r4 PA 2 AMOUNT INCLOSED IYM OErM PNAEU fi rrovtlr. MASTERCARD 5447455500725764014157003560700 ------------------ -------°--- ------ ------- PrAdd. magams tx=20 1-800994.7344 . Crndu m } Pup dw a AD Amur Mw6w AMP SM 0072 VMS aDNr o,.yw m h CAU1 Adw AD AVWW }FP&U=CHARGti m "Y Nance Dilly f LAM aw" AD Balarm NEW MALAWI UP020 nwdms IA0 Cmh AdVIUM tA0 PROVIDIAN NATIONAL BANK New MALAWI 13JI 70 Cnds w AN0 83 C m? "m Sao P N I SIA15.70 Pcmr<r ov, aM oeR4Ro AAM/AL OW Y AY AOi P OMaO PV WT t2 RATE pnn r .00% JM% M 000 % A MY. ? Y ®003 We appreciate your business. Thank Youl 12/15/00 RED 13:07 PAZ 025 225 1341 NATIONAL LEGAL ++. PA 2 ® 002 A0r0UNT NUUM PAYMW DUE GATE MINIMUM PAYMENT AMOVNT ON2=90 -- $407-4055-0072-5769-? wOMtM Pgaw To SUELLEN YIENOST 6216 WALLINGFORD MAY MECHANICSBURG PA 170$5-7326 Ptpt i d t 000000 m MASTERCARD 5497485500725769014157003560700 ------------ ----- -------------- ---------- ._........ ........... ----- ----------- A000UNTSUMMARY CUSTOMER OERVICEPHONE NUMBER PAYM6NTINFORMATION Pnltlalla Eybnn 27.00070 1-eW9447304 JIM BALANO! 87AW" OraA6 • AO Ataf60aCr@0 ow Parm + Pwdmm • ID AaaaaN Xw*W SW m0 007! 0100 YMNana Pf*"m I"AMs" ~ 0hrvat AO Mym mr Drab 049111!0 +OathAdr All Avww ANNUAL Davy CNAROE f Two of Bmww Davy POICORAGE Pte69, PV4AM abimOMDtaO ow2wo m + p As vatans RAT was n Nor NI1tANCV j*.=20 vuWY on AO% A[m% a70tytY Cash Ad"mm !ID AE% AM% amme"b PROVIOIAN NATIONAL BANK We appreciate your business. Thank Youl VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. 72094 PARK LAW ASSOCIATES, P.C. 25 East State Street P.O. Box 1779 Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF PROVIDIAN NATIONAL BANK Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS VS. SUELLEN YIENGST Defendant NO. 99-6411 CIVIL TERM TIFICATE OF SERVI Valerie Rosenbluth Park, Esquire certifies that she is the attorney for the above named Plaintiff in the instant action and that on December 16, 1999, she served a true and correct copy of Plaintiffs Amended Civil Action Complaint by mailing the same by regular mail, postage paid, to the person and at the address set forth below: Attorney for Defendant James M. Bach, Esq. 352 S. Sporting Hill Road -Mechanicsburg, PA 17055 PARK LAW SSOCI TES, P.C. V BY: VALERIE ROSENBLUTH PARK, ESQ. ATTORNEY FOR PLAINTIFF VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. 72094 PARK LAW ASSOCIATES, P.C. 25 East State Street P.O. Box 1779 Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF PROVIDIAN NATIONAL BANK Plaintiff VS. CUMBERLAND COUNTY COURT OF COMMON PLEAS SUELLEN•YIENGST Defendant NO. 99-6411 CIVIL TERM CERTIFICATE OF SERVICE Valerie Rosenbluth Park, Esquire certifies that she is the attorney for the above named Plaintiff in the instant action and that on December 16, 1999, she served a true and correct copy of Plaintiff's Amended Civil Action Complaint by mailing the same by regular mail, postage paid, to the person and at the address set forth below: Attorney for Defendant James M. Bach, Esq. 352 S. Sporting Hill Road .Mechanicsburg, PA 17055 PARK LAW A SO ATES, P.C. BY: VAL I ROSENBLUTH PARK, ESQ. ATTORNEY FOR PLAINTIFF Y 111 J,.? 1 a. 1 J . Y rj [_r U CIA , l U ( ) PROVIDIAN NATIONAL BANK, Plaintiff VS. SUELLEN YIENGST, Defendant : IN THE COURT OF COMMON PLEAS : OF CUMBERLAND COUNTY, : PENNSYLVANIA No. 99.6411 CIVIL TERM PRELIMINARY OBJECTIONS (SET 2J AND NOW comes the Defendant, by her attorney, JAMES M. BACH, and files the within PRELIMINARY OBJECTIONS (Set 2): 1. THE MOTION TO STRIKE OFF COMPLAINT. Attorney James M. Bach received by ordinary mail on or about December 20, 1999 an Amended Complaint, certified as a True and Correa Copy of the Original on file with the Court. The complaint delivered to Attorney James M. Bach and noted as a TRUE COPY did not contain the Attorney's signature. See Exhibit A. This violates the Rules of Civil Procedure. 2. MOTION FOR A MORE SPECIFIC MEETING. In paragraph 6 of the instant complaint, it is averred that the amount of this debt is Three Thousand Four Hundred Eighteen Dollars and Fifty-five Cents ($3418.55). There are no documents to support this allegation. This is a violation of the Rules of Civil Procedure. The plaintiff should be made to show the defendant by way of invoices the basis for the suggestion of debt. 3. MOTION TO STRIKE OFF COMPLAINT In paragraph 3, the plaintiff is requesting attorney fees, but does not file any documents or invoices to support said request. The plaintiff should be required to submit documents and/or invoices to support this request. Lack of documentation is in violation of the Rules of Civil Procedure. 4. MOTION TO In paragraph 12, the plaintiff suggests that it would be inequitable for the court to allow the defendant to retain the benefits of the funds, etc. This paragraph is impertinent and scandalous, and should not be allowed. The Rules of Civil Procedure do not allow impertinent or scandalous matters to be placed in the body of a complaint. The plaintiff should be required to delete this from this complaint, or in alternative, have a complaint struck for failure to do so. WHEREFORE, in light of the preliminary objections filed herein, this honorable court should strike off the complaint, or in the alternative require the plaintiff to amend the complaint according to the law. Respectfully submitted, Date: F52 ORNEY JAMES M. BACH rney I.D. N 18727 outh Sporting Hill Road Mechanicsburg, PA 17055 (717) 737.2033 Attorney for Plaintiff Defendant to retain the value of the funds at issue without repaying the Plaintiff the value of same. WHEREFORE, Plaintiff demands that Judgment be entered in favor of the Plaintiff, Providian National Bank, and against the Defendant, Suellen Yiengst, in the amount of $3,418.55, plus Pre- Judgment Interest at the contractual rate of 6% per annum from September 30, 1999 until the date of the Judgment herein, plus reasonable attorney's fees in the amount of $682.00, less payments made, plus costs and any other such Relief as this Court deems reasonable and just. Respectfully submitted, PARK LAW ASSOCIATES, P.C. BY: VALERIE ROSENBLUTH PARK, ESQ. Pursuant to the Fair Debt Collection Practices Act, it is required that we state the following to you: This is an attempt to collect a debt. Any information obtained will be used for that purpose. ?JJ n /? n W e ?. w; :f ? tt s K.? 1 a tta r ; f{ Sp a ? z 1g t .c y}Xryb 1 y + ' L ? 4 r VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 East State Street P.O. Box 1779 Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF PROVIDIAN NATIONAL BANK 5040 JOHNSON DRIVE PLEASANTON, CA 94566 Plaintiff V8. SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG, PA 17055-7326 CUMBERLAND COUNTY COURT OF COMMON PLEAS NO. 99-6411 CIVIL TERM NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by an attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the complaint or for other claims or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO, OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. COURT ADMINISTRATOR 4th Floor, Cumberland County Courthouse Carlisle, PA 17013 (717) 240-6200 THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. tr• r? .. { VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. 72094 PARK LAW ASSOCIATES, P.C. 25 EAST State Street, P.O. BOX 1779 Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF PROVIDIAN NATIONAL BANK 5040 JOHNSON DRIVE PLEASANTON, CA 94566 CUMBERLAND COUNTY COURT OF COMMON PLEAS PLAINTIFF VS. SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG, PA 17055-7326 DEFENDANT NO. 99-6411 CIVIL TERM AMENDED COMPLAINT COUNT I - BREACH OF CONTRACT 1. The Plaintiff is Providian National Bank, an organization domiciled at 295 Main Street, Tilton, NH 03276, and existing under the laws of the Unites States of America. 2. The Defendant is Suellen Yiengst is an individual residing at 6218 Wallingford Way, Mechanicsburg, Pennsylvania. 3. At the request of the Defendant, First Union Bank issued to Defendant a credit account. At all times relevant hereto, Defendant was the holder of said credit account issued through First Union credit facilities. 4. Subsequent to the delivery of the First Union credit account to the Defendant, and therein acceptance of the same, First Union, for valuable consideration and in the normal course of business, sold, assigned and transferred the Defendant's account to Plaintiff, which is now and has been since the date of the assignment, the legal owner and holder of said account. A true and correct copy of the officer's Certificate and Assignment from First Union to Providian is attached hereto, made a part hereof and marked as Exhibit "A". 5. The Defendant is indebted to Plaintiff on the credit account by virtue of charges or cash advances incurred by the Defendant or authorized by the Defendant on a credit account now owned by the Plaintiff currently bearing account number 5497485500725769. A true and correct copy of the Account Agreement is attached hereto, made a part hereof and marked Exhibit "B". 6. Defendant utilized Plaintiff's credit facilities and while the account was active, the Defendant made numerous payments on the account, acknowledging the debt 7. Notwithstanding the frequent demands by Plaintiff for payment of the amount due, there has been a failure and refusal by the Defendant to pay the same or any part thereof. 8. The Defendant has failed to pay the amount owed in accordance with the Account Agreement and has failed to pay the outstanding debt as agreed and is indebted to the Plaintiff in the amount of $3,418.55 as of September 30, 1999. 9. Defendant's obligation is based on a subsisting debt and arises from a pre-existing account. 10. Defendant has not objected to Account statements issued to the Defendant on a monthly basis. A true and correct copy of the most recent monthly statement is attached hereto, made a part hereof and marked Exhibit "C". 11. Defendant is liable to Plaintiff on this Account as an Account stated. • 12. In accordance with the terms of Exhibit "B", Defendant agreed to pay a finance charge on all sums due at an annual percentage rate of 6.00% and Plaintiff is entitled to additional finance charges from September 30, 1999. 13. In accordance with the terms of Exhibit "B", Defendant agreed to pay reasonable attorney's fee if the account was referred to an attorney for collection, and Plaintiff will incur an attorney's fee in the amount of $683.00. WHEREFORE, Plaintiff demands judgment against the Defendant in the sum of $3,418.55, plus interest from September 30, 1999, plus attorney's fees of $683.00 and costs of this action. COUNT II UNJUST ENRICHMENT 14. Plaintiff realleges each and every allegation contained in paragraphs 1 to 13 of this complaint and incorporates them herein by reference as if the same were set forth at length. 15. The Defendant received a monetary benefit of $3,418.55, which was in fact appreciated by the Defendant. "Appreciated by the defendant" meaning among other things that the Defendant received a benefit from the Plaintiff by utilizing the Plaintiff's credit facilities and incurring charges on the Providian account. 16. The Defendant accepted the monetary benefits of a credit account issued through the credit facilities of Plaintiff. "Accepted the benefits" means among other things that the Defendant either passively or actively received benefits from the Plaintiff which would be unconscionable for him to retain without repaying the Plaintiff. 17. By virtue of the circumstances surrounding the request for funds made, the defendant knowingly requested the funds in issue and knowingly and voluntarily accepted the benefits bestowed. 18. It would be inequitable for this Court to allow the Defendant to retain the benefits of the funds or to be unjustly enriched at the expense of the Plaintiff or allow the Defendant to retain the value of the funds at issue without repaying the Plaintiff the value of same. 19. In accordance with the law, there is interest due at the rate of 6% per annum from September 30, 1999. WHEREFORE, Plaintiff demands judgment against the Defendant in the sum of $3,418.55 plus interest from September 30, 1999 and costs of this action. PARK LAW ASSOCIATES, P.C. By: V ERIE ROSENBLUTH PARK, ESQUIRE COMMONWEALTH OF PENNSYLVANIA COUNTY OF BUCKS Valerie Rosenbluth Park, Esquire, being duly sworn according to law, deposes and says that she is the attorney at law for Park Law Associates, P.C.; ( )That the party lacks sufficient knowledge or information to take a Verification; ( X )Outside the jurisdiction of the Court and that the parties' Verification can not be obtained within the time allowed for filing of the foregoing; That I am authorized to take this Verification; that the facts contained in the foregoing matter are true and correct to my information and belief; and That the source of my information or facts of documents are provided by my client. y / VALERIE ROSENBLUTH PARK, ESQ. OFFICER'S CERTIFICATE PROVIDIAN NATIONAL BANK ACCOUNT NUMBER: 54974855-0072-5769 ACCOUNTHOLDER NAME: SUELLEN YIENGST In my capacity as Operations Officer of Providian National Bank, I hereby certify the following: 1. In accordance with the Credit Card Purchase and Sale Agreement dated March 31, 1998, between First Union Direct Bank, N.A. ("Seller) and Providlan National Bank ('Buyer) (the "Agreement"), Seller did convey all of its right, title, and interest in a portfolio of credit accounts (the "Accounts"). 2. Attached hereto is a true and correct copy of Exhibit I of the Agreement, which is the document evidencing the actual assignment of the accounts from Seller to Buyer. 3. The following account was among the accounts assigned pursuant to Exhibit I of the Agreement: First Union Direct Bank Account Number. 5228-1300.1282.5543 Customer Name. crrFr r EN YIENGST 4. The outstanding balance of the SUELLEN YIENGST Account was accurately transferred from the Seller to the Buyer. The balance as of the most recent Providian National Bank statement (dated November 29, 1999) was $3452.41. By: ' " . #4j LR.2,? Ja L. Holland Title: Operations Officer FUDZCRT.DOC EX-1=1T I - ASSIGNMENT FOR VALUE RECEIVED, First Union Direct Bank, N.A. ("Seller"), does hereby sell, assign, transfer and convey to Frovidian National Bank ("Buyer") as of May 1, 1998 all of Seller's rights, title and interest in and to all of the fcilowing assets and aareenants (collectively, the "Assets"): (iii) (iv) (v) . (vi) (vii) All Accounts; All Accounts -Receivable; All Account Records; All Cardholder Agreements; Cardholder List; Interchange Fees; and Uneamed.Ahriual Fee Intone. In accordance with the Credit Card Foralic Purchase and Sale Agreement 31 , 1 SEE be`Neen Seiler and Euyer (the _rcfase dated as of 141arC:, Agreement"), Seller hereby conveys to Euyer ccod and marketatie title to all of ti;e Assets, free and clear of any and all Liens. This Assignment is made pursuant to, and capitalized terims not otherwise • defined herein shall have the meaning set forth in, the Purchase Ageement and this Assignment shall be governed by such Purchase Agreement. ?N WITNESS WHEREOF, the.undersigred has caused this Assignment to be ° ?? • duly executed this 1st day of May, 19 Ey: aims E.kiarren Title: Vice President } +i F'+'.XC: 4324o-1 L, . f?l•IOGTO i, Welcome _ PRDVIDIAN ro"Intial Enjoy the Exclusive Benefits Providian MasterCard' Brings You-Call Now to Activate! June 1998 Dar First Union Customer, We are delighted to welcome you as a new customer and to notify you that, as of Monday, June 29, 1998, your First Union' credit card will be issued by Providian National Bank. As a special welcome, we have upgraded you to Premier status; this distinction entities you to a world of power and prestige enjoyed by only a select few. i More Than a Replacement ..an Upgrade. Your enclosed Providian Platinum M srerCirrd replaces your First Union MasterCard. You should call to aaiv vour new card immediately. In addition to the many benefits you have enjoyed with your First Union MasterCard, your Providian Platinum MasterCard comes with valuable extras, at no extra cost to you: • Free Auto Rental Collision Protection • $1,000,000 Travel Accident Insurance • Damage and Theft Protection for New Purchases • Up to One FxtraYear of Protection with Extended Warranty j • Up to $3,000 Lost Luggage Protection • Free Credit Card Registration • Extensive Travel Discounts i What's more, you II be eligible for special offers and savings exclusively for Providian customers. Learn more about the benefits of your new card in the enclosed benefits brochure. One of the Nation's Leading Credit Card Compahles. Established in 1853, Providian National Bank is a member of the Federal Deposit Insurance Corporation orations $12 billion family of financial services companies. Providian l Cor i idi Fi f P p a nanc rov an j (FDIC) and o serves millions of credit card customers throughout the country. Activate Your Card Immediately. i Just call toll-free 1-800-431-7566 to activate your card -and you can start enjoying all the benefits of your card i U Fi on n rst Providian MasterCard as of Mandy Lune - After that dace, go ahead and destroy your and any unused First Union convenience checks. Your replacement checks will be sent to you within the next fcw weeks. Remember to keep your account number handy. If you currently have any automatic deductions b membership or online Internet service), call those merchants l h l h u c ea t on your First Union account (e.g., a to have your account number switched to your new Providian Platinum MasterCard account number. ' I Help Is Always Available. r Plcase read the enclosed materials or call our Customer Service team with any questions. Th-y ate ready to be of service whenever you need assistance. Call 1-800-944-7344 co access your account information anydme, ,• , beginning Monday, June 29. `y Sincerely, Eileen Stick Senior Vice Pretidenr 's' _ .. ., „ , .... . --i[ .. .... .... .. ...•.,. r1....:,1:,.. \I1<r+.ra•d r;-ht nvvivt .. h r• h i N•-Y• Y.1' 'S Y Y? VY L I " CC ' b g r r a s,?? 29 10 Ki. Ca a ? 7 a < ? T.1 1.01 S?? Z eb?. S %3 . < ?'??$ aCCCC .?9j •+?.b.??'^ {?o3g •?• x * •• g H gHe?33 [? y$qpYYB ?yj 3t x}$3? 4p$ 8 ,' gg" we ? ??4?•p Y? Za?93r ]?g? 5x D`•y?€?5? (? y F 3. ?. ?fi`b 3 FK<g LF.aYg88Yg s Z 5 a 3 O0? Van ?Xag 12&80 -E V=Xy9 Y? k d _ _$ 3Q f? w 2 G `v'i D . "•; b Z g ?v -?? '1 l Cyv ' LY,StS C?B y vlit. 33 C s_ cya a3?"Z? YY s w Y. ['? y t5 J 3V3 ? ? . 3 ?gw?S.? V ?t,try ?LDE ?i e j ??'i? 3ca''i ?i:<ii3 3??4:'ee• '•??', 1. • J,f, e 1 ?1 11 Enjoy Ccrly-!m-!nr.: an,7 2u/ir" Porov':r with Providirn Plrtinum „Ica:rCcrd. :ever;,, :lull . • Cash access :o your en.... -.edit lin_ • A second, card at no CXtm caarga • Free personalized checks • Specialized customer service • Round-the-clock fraud protection • Extensive travel discounts • Free credit card registration If you have questions about your new Providian MasterCard-now or in the future- our Customer Service ream is always just a phone call away. And you can access your account information at an,,, rime, 23 haul; a day, seven days a wcek, at 1.800-9.14-7.3-i-i• r-:% Providian National Bank, v---',G-E- '?'C 1? PROVIDIAN Finarc' d TCSI 001 CODE IHB ACCT 4168100001329612 CYCLE 10 AGENT 0301 ( 12 MONTH HISTORY . • • • • SCREEN SELECTION ( 1 2 3 4 ) DUPUISLEECH SHA CURRENT (01) 12/10/99 (02) 11/10/99 (03) 10/11/99 (04) 09/10/99 PAYMENT I 0 1 0 1 0 1 0 1 0 I .00 I .00 1 .00 1 .00 1 .00 MIN PYMT I 206.00 I 206.00 1 204.00 1 202.00 1 199.00 PURCHASE I 0 1 0 1 0 1 0 1 0 I .00 I .00 1 .00 1 .00 1 .00 CASH ADV 1 0 1 0 1 0 1 0 1 0 011499 I .00 I .00 1 .00 1 .00 1 .00 CREDITS ) 0 1 0 1 0 1 0 1 0 .00 1 .00 I .00 1 .00 1 .00 MISC CHG 1 0 1 0 1 0 1 0 1 0 1 .00 1 .00 1 .00 1 .00 1 .00 INS FEE I .00 I .00 1 .00 1 .00 1 .00 LATE CHG I .00 I .00 1 .00 1 .00 1 .00 OVRL FEE I .00 I .00 1 .00 1 .00 1 .00 PURC F/C I .00 I .00 1 .00 1 .00 1 .00 CASH F/C 1 584.36 1 55.91 1 55.31 1 56.51 1 55.87 LIMIT I 1.00 1 1.00 1 1.00 1 1.00 1 1.00 BALANCE I 5,153.03 1 5,153.03 1 5,097.12 1 5,041.81 1 4,985.30 TCSI 002 CODE IHB ACCT 4168100001329612 - CYCLE 10 AGENT 0301 ( 12 MONTH HISTORY SCREEN SELECTION ( 1 2 3 4 ) °> DUPUISLEECH SHA CURRENT (05) 08/10/99 (06) 07/12/99 (07) 06/10/99 (08) 05/10/99 PAYMENT I 0 1 0 1 0 1 0 1 0 I .00 I .00 1 .00 1 .00 1 .00 MIN PYMT I 206.00 I 197.00 1 195.00 1 193.00 1 191.00 PURCHASE I 0 1 0 1 0 1 0 1 0 I .00 ( .00 1 .00 1 .00 1 .00 CASH ADV ) 0 ) 0 1 0 1 0 1 0 011499 I .00 ( .00 1 .00 1 .00 1 .00 CREDITS I 0 1 0 1 0 1 0 1 0 ( .00 1 .00 1 .00 1 .00 1 .00 MISC CHG ( 0 1 0 1 0 1 0 1 0 I .00 1 .00 1 .00 1 .00 1 .00 INS FEE 1 .00 1 .00 I .00 I .00 I .00 LATE CHG 1 .00 1 .00 I .00 i .00 I .00 OVRL FEE I .00 I .00 1 .00 1 .00 1 .00 PURC F/C I .00 I .00 1 .00 1 .00 1 .00 CASH F/C I 584.36 I 51.72 1 56.41 1 54.04 1 48.31 LIMIT I 1.00 I 1.00 1 1.00 1 1.00 1 1.00 BALANCE I 5,153.03 I 4,929.43 1 4,877.71 1 4,821.30 1 4,767.26 • t TCSI 003 CODE IHB ACCT 4168100001329612 - CYCLE 10 AGENT 0301 ( 12 MONTH HISTORY DUP UISLEECH SHA SCREEN SELECTION ( 1 2 3 4 T (09) ) 04/12/99 (10) 9 03/10/9 9 (11) 02/10/9 (12) 00/00/00 CURREN 0 1 0 1 PAYMENT I 0 1 0 1 00 1 .00 1 00 1 00 ( 00 I 00 1 206 . 189.00 1 1 186.00 184.00 1 .00 MIN PYMT I . 0 0 0 PURCHASE I 00 1 .00 1 .00 I .00 1 .00 I . 0 1 1 1 0 CASH ADV I 0 1 0 1 00 I .00 1 4,563.67 1 .00 011499 I .00 I . 0 1 p I 0 CREDITS 1 0 1 0 I 00 1 00 I 00 I 00 .00 ( . 0 1 0 1 0 MISC CHG I 0 1 0 1 00 I 00 1 .00 1 00 .00 1. 00 I . .00 I .00 1 .00 1 .00 00 INS FEE I LATE CHG I .00 I .00 1 5.00 00 1 .00 1 .00 1 . 1 .00 OVRL FEE 1 00 I .00 1 00 1 . 00 . 1 .00 1 .00 PURC F/C ( SH F/C I .00 1 584.36 1 . 56.26 1 47.25 1 46.77 00 1 .00 00 1 CA 1.00 1 1.00 I 1. . LIMIT E 03 1 153 5 95 1 718 4 69 662 4 1 4.610.44 1 00 BALANC . : . . • . : ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED 5497-4855-0072-5769 Auo04,1l19e sense $ Mau CMaLa Payable To Pmvidlen SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Welcome to Providianl Please road the enclosed brochure carefully for Important information about your new statement. Papa t at 1 000000 MASTERCARD 5497485500725769005322203179220 ------------------------------------------------------------------------------ The balance on your First Union account has been transferred to Providian. Please use the enclosed envelope to send In Your next payment. MESSAGES FROM MASTERCARD YOUR MINIMUM PAYMENT INCLUDES ANY OVERLIMIT AND PAST DUE AMOUNTS. PLEASE REMIT IMMEDIATELY. ACCOUNTSUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE $7,179.22 Previous Balance (7.087.18 1-800-944-7344 Cndll Line 117,oao • Credits ,gg Available Credit 1100 • Paymants .00 Account Number 8487 4855 W72 8789 MlNmum Payment 157222 + Purchases 4 Payment Duo Date OSAMM other Charges .DO + Cash Advances ,00 Average ANNUAL Dally elermeni Date + FINANCE CHARGE 07.00 Type of Balance Daily PERCENTAGE Periodic 01110l98 + Late Charge 29.00 Balance RATE Rata NEW BALANCE (7,179.22 ease $7,007.15 23.70% .0878X• 22 Days In Cash Advance $.110 27.70% .0878%- Bluing Cycle 2001o1000 10x13 naaR PROVIDIAN NATIONAL BANK We appreciate your business. Thank YouI EXHIBIT 11 11 ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED 5497-4855-0072-5769 Auo3t,t996 36073 -S?? LLIa Cheats Peyeble To Pmvfdlsn SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Page 1 of t 000000 MASTERCARD 5497485500725769006875103262510 ------------------------------ MESSAGES FROM MASTERCARD YOUR ACCOUNT IS SIGNIFICANTLY PAST DUE TO PREVENT YOUR ACCOUNT FROM ANY FURTHER DELINQUENCIES. FURTHER CREDIT DAMAGE, POSSIBLE REFERRAL OF YOUR ACCOUNT FOR FURTHER COLLECTION ACTION OR FROM CHARGING OFF AS A BAD DEBT, PLEASE CALL US AT 1 $00 787 e194 IMMEDIATELY. ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE S2=.51 Previous Balance 53,17944 1-800.944-7344 Credit Une $7,000 cndib Credits o0 Available Credit $00 • • .00 Account Number 8497 4085 W72 5769 Minimum Payment 5687.61 Purchases t Purchases Payment Due Date 08F31RIB other charges 00 + Cash Advances Do Average ANNUAL Daily 6telemard Ow + FINANCECNARGE 5429 Type of Balance Dally PERCENTAGE Periodic 001=98 + Late Charge 29.00 Balance RATE Rate as NEW BALANCE 113,464.51 Purchase $3,150.12 43.30: ae36%• 77 Days In Cash Advance Soo 2330% .0838% 8IBIng Cyele 486151000 1320 A3 PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! ACCOUNT NUMBER 5497-4855-0072-5769 PAYMENT DUE DATE MINIMUM PAYMENT SEP 20,1998 Sa19.83 SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Papa 1011 000000 220 MASTERCARD 5497485500725769008198303321830 AMOUNT ENCLOSED Lake Ctwks Peyeba To Pmvtdan ACCOUNTSUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION lance Previous 13,262.61 1.600.944-7344 CNEW redit Line BALANCE 000 $3 ? edits • Credits • Payments •00 '? Available CreAt , 600 t Purchases l Account Number 6497 48SS 0072 5760 Mlydmun Payment 1019.83 other Charges other C .00 Payment Due Date DerAm + Cash Advances + FINANCE CHARGE .00 50.32 Average ANNUAL Dally Btemmeml Deb t Late Charge .00 Type of Balance Dally PERCENTAGE Periodic owwga s¦ NEW BALANCE 321.83 $0 Balance RATE Rate , Purchase 13,204.4a 23.20% .05350.• 29 no" In Cash Advance 5.00 21.90% .0500% Biting Cyata 285161000 1523 1525 PROVIDIAN NATIONAL BANK .0.0f Pwom M4 r••r wry We appreciate your business. Thank You! 01, ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCL03ED 5497-4855-0072-5769 ocT 27, tgg8 $51110 S • • like Cleats PsysbIs To Provtdlan SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Paps t of 1 000M 710 MASTERCARD 5497485500725769009442003372200 ----------------- A000UNTSUMMARY -------- --------------------------- CUSTOMER SERVICE PHONE NUMBER --------------------------- PAYMENT INFORMATION NEW BALANCE $7,07410 Previous Balance 3 $3,321 23 1-800-944-7344 Credit Urn $7,000 • Credits .00 Available Credit $oD • Payments .00 Account Number 6197 4836 0072 0760 Minimum Payment $04120 t Purchases L Payment Due Dale 10413/98 other Charges .00 t Cash Advances .00 Average ANNUAL Dally Statement Deb + FlNANCE CHARGE 60.37 AO Type of Baum Dally PERCENTAGE Periodic 179/4Slge + lab Charge Balance RATE Rate NEW BALANCE $3,37220 Purchase $3297.87 27.70% .0011%• 41 Days In Cash Advance $.Do 21.90% .0600% BIBIng Cyate •010 --two- Rift may "q PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED 5497-4855-0072-5769 Nov23199e 31,00 44 F$-*? Make Cloaks Payable To Provldlon SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Papa 1 at t oom tm MASTERCARD 5447485500725769010864203438420 ------------------------------------------ ------------------------- --------- ACCOUNTSUMMARY CUSTOMER SERVICE PHONE NUMBER I PAYMENT INFORMATION NEW BALANCE S3,430.42 Previous Balance 43.37220 1-800.944-7344 Credit Urn 53,000 • Credits .00 Available Credit S00 • Payments .00 Account Number 6497 41136 0072 6769 Minimum Payment 41,0011.44 t Purchases A Payment Due Dale 11123M other Charges .00 t Cash Advances .00 Average ANNUAL Daily 0u ornam Diu t RNANCECHARGE W22 00 Type of Balance Daily PERCENTAGE Periodic ICY29/95 t Late Charge . Balance RATE Rate n NEW BALANCE 43,470.42 Purchase 43,3411.03 20.70% .D67B%• 31 Daya In Cash Advance $.D0 21.90% .0600% 81111nocyou -o P ., Age man ver ZoUUUUWar 1P[o ruiu PROVIDIAN NATIONAL BANK We appreciate your business. You I ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED 5497-4855-0072-5769 DEC221998 S1A4660 S I - Lbb Cbsaaa PsyeMs To Pmvldlen SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Paps 1 at I 000000 M MASTERCARD 5497485500725769012265603501560 ------------------------- A000UNT SUMMARY --------------------------- CUSTOMER SERVICE PHONE NUMBER --------------------------- PAYMENT INFORMATION Previous Balance $3.436A2 1-8Qa944.7344 NEW BALANCE Credit Liras $3".66 $3.000 • Credits .00 . Available Credt 000 Paymenb • • 00 Account Number 6497 45M 0072 0769 Mldmum Payment $1.226.66 Purchases 4 Payment Due Dais 12/22190 other Charges .00 t Cash Advances .00 Average ANNUAL Dally statement Deb t RNANCECHARGE 63.14 Type at Balance Daily PERCENTAGE Periodic 11121196 t Late Charge .00 Balance RATE Rate = NEW BALANCE 83"'W Purchase $3.410.74 23.30% .0636%• ?• Days In Cash Advance 3.00 21.90% .0600% BIBIng Cycle 480000000 1626 7626 C" PY?OM iele may wP PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED S497-48SS-0072-5769 JAN 44, teas 11,nsm is Mete Cheeks Payable To Pmvlden SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURG PA 170SS-7326 Page t of t 000000 m MASTERCARD 5497485500725769013780503574050 ----------------- A000UNT SUMMARY -------- --------------------------- CUSTOMER SERVICE PHONE NUMBER --------------------------- INFORMATION PAYMENT BALANCE Pr.vlous Balance $3,6m 6a 1.800-944.7344 Credit Urn 93,000 • Credits .00 Available Credit 100 • Payments .00 Account Number 8487 4856 0074 8788 MInInwan Payment 11,378.08 + Purchases L Payment Due Dale 01144f88 other Charges .00 + Cash Advances .00 Average ANNUAL Dally swamnl Dais + FINANCE CHARGE 74.0 Type of Balance Daily PERCENTAGE Periodic 12/Woa + Late Charge Balance RATE Rate n NEW BALANCE $3,574.08 I Purchase 83.478.54 43.03% .011134%• u aye In Cash Advance 8.Do 41.80% .0000% Billing Cyst -DW Peeee we may elr PROVIDIAN NATIONAL BANK We appreciate your business. You I ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLO590 5497-4855-0072-5769 FEB 22199D 1111122=0 Msks Checks Psyebb Te PmvIdlen SUELLEN YIENOST 6218 WALLINGFORD MAY NECNANICSBURO PA 17055-7326 Page 1 o11 000000 m MASTERCARD 5497485500725769015223003638300 ------------------------------------------------------------------------------- ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance 17,67405 1.800-944-7344 NEW BALANCE Credit Una 17.670.70 17.000 • Credits .00 Available Credit 100 • Payments t Purchases l ,00 Account Number 6407 485617072 6769 Mtrdmun Payment 11,642.70 other Charges .00 Payment Due Date 02112/D9 t Cash Advances .00 Avenge ANNUAL Dally Otalenani oft + RNANCE CHARGE 64.23 TYPs of Balance Dally PERCENTAGE Periodic 01120/99 t We purge .00 Balance RATE Rate NEW BALANCE 17,878.70 Purchase 17,648.88 22.60% .06259•0 20 toys In Cash Advance $.Do 21.90% .0600% Bluing Oyals {W{Waa1 Iola Iosa PROVIDIAN NATIONAL BANK We appreciate your business. Thank Youl ACCOUNT NUMBER 5497-4855-0072-5769 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED MAR 22, 11990 11,115.70 Make Checks Payable To ProvkUen SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Papa 1 011 000000 M MASTERCARD 5497485500725769014157003560700 ------------------------------------------------------------------------------- ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE S3,55o.70 Previous Balance 13,ewox 1-800-944-7344 Credit line 15,000 • Credits ,00 Available Credit sw Payments • 100.00 Account Wafter 5407 4055 W72 5750 Minimum Payment 1 11,415.70 Purchases i ases & Payment Due Dale 03424190 other Charges .00 t Cash Advances .00 Average ANNUAL Daily el.rment Dole + FINANCE CHARGE 44.40 Type of Balance Dally PERCENTAGE Periodic 02145199 ' • Late BA 70 Balance RATE Rate LANCE as NEW $:; M. Purchase 14.850.41 0.00% .0154% 28 Days In Cash Advance $.Do 5.00% .0154% 1110ing Cycla 250000000 1525 1525 PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! Smooth Feed Sheets TPA ACCOUNT NUMBER ' 5497-4855-0072-5769 Use template fpr 5160" PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED APR 43, 1990 $1,415 70 Make Chocks Payable To Provklan SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Pape I al I aoooaa 774 MASTERCARD 5497485500725769014157003560700 ---------------------------------------------------------- ACCOUNTSUMMARY CUSTOMER SERVICE PHONE NUMBER ORMATION PAYMENT IN NEW BALANCE $3,5w.70 Previous Balance 113,560.70 1-800-944-7344 Credit Una $3,000 • Credits .00 Available Credit Sw • Payments .00 Account Number 5407 1853 0074 5769 Minimum Payment 111,413.70 t Purchases 4 Payment Due Date 04743M other Charges .00 t Cash Advances .00 Average ANNUAL Daily 6rrm.nl 0ehe t FINANCE CHARGE .00 Type of Balance Dally PERCENTAGE Periodic 03749/99 + We Charge .00 Balance RATE Rate a NEW BALANCE $3,560.70 Purchase $.00 .00% .0000% 34 Days In Cash Advance $.Do .00% woo% Bluing Cycle 460000000 IUD ID(D PROVIDIAN NATIONAL BANK We appr cis kyour business. Tha You! I:Is-I ACCOUNT NUMBER 5497-4855-0072-5769 PAYMENT DUE DATE MINIMUM PAYMENT AMOU T ENCLOSED MAY 41,1900 17,416.70 N I i Maks Checks PsVeblsTo - Provhdlan SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Page 1011 000000 700 MASTERCARD 5497485500725769014157003560700 ----------------- A000UNT SUMMARY -------- ------------------- -------- CUSTOMER SERVICE PHONE NUMBER --------------------------- PAYMENT INFORMATION NEW BALANCE 83,600.70 Previous Balance 83,650.70 30 1-800-944.7.344 Credit Una 83,000 • Credits .00 Available Credit 800 • Payments .00 Account Number 5497 4850 0074 8789 Minimum Payment 81,416.70 i + Purchases Payment Due Data 0674M other Charges .00 + Cash Advances AO Avenge ANNUAL Dally Shwnent Dow + FINANCE CHARGE ? Type o1 Balance Dally PERCENTAGE Perlodie 04419/90 + Lab Charge Balance RATE Rate as NEW BALANCE 83,550.70 Purchase 1.DD ,00% .0000% 31 Drys In Cash Advance 8.00 .00% .0000% B101n0t YcIs PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! ACCOUNT NUMBER 5497-4855-0072-5769 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCPSED, JUN 22, 1tNq ?•? L...? bYta Chmks Pe7abl4TO Provtdtan SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Page 1 of I 000000 m MASTERCARD 5497485500725769008550003560700 ----------------- -------- ---------------------------- CUSTOMER SERVICE PHONE NUMBER --- INFORMATION FAYMENT A000UNTSUMMARY BALANCE NEW :3,30070 Previous Balance S3•3ao:? 1$00.944.7344 redit Una C ?•? 100 • Credits • Payments .00 Accocnl Number U07 4830 0072 0700 Available Credit Minim m Payment f000D0 00/22100 t Purchases A Payment Dw Dale other Charges t Cash Advances .00 .00 Average ANNUAL Dolly 8talamanl Dar + FINANCE CHARGE 0 type of Balance Dally PERCENTAGE Periodic 0380/00 + We Charge 1 70 300 113 Balance 1 RATE Rate 00% % s 2 D e NEW BALANCE . . Purchase .00 . .0000 Y CYa B Cash Advance PROVIDIAN NATIONAL BANK We appreciate your business. Thank You I ACCOUNT NUMBER PAYMENT DUE DATE 5497-4055-0072-5769 IUL g4, 1gg0 SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSIIURG PA 170SS-7326 MINIMUM PAYMENT u,5e7.w Page t of t 000000 MASTERCARD 5497485500725769035670403567040 ------------------------------------------------------------- ACCOUNT SUMMARY Previous Balance • Credits • Payments + Purchases i other Charges + Cash Advances + FINANCE CHARGE + We Charge s NEW BALANCE (CUSTOMER SERVICE PHONE NUMBE s3.580.70 1-000-280-0559 DO . 00 Account Number 5407 4855 0072 5750 .Do .00 8 000 Type of Balance x7,657.04 Purchase Cash Advance AMOUNT ENCLOSED F$--? Make Cheeks Payable To ProvIdtan PAYMENT INFOR NEW BALANCE Credit UM Available Credit Minimum Payment Payment Due Data Average ANNUAL Dally Daily PERCENTAGE Periodic Balance RATE Rate f1.404.92 5.00% .0154% $.Do 6.00% .0164% 13.587.04 $1,000 100 13.507.04 07124NO 51als"111 Daft 04129199 22 Days In Blaing Cyais THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. PROVIDIAN NATIONAL BANK Access to credit is essential In today's world. Bringing your Provldian account to PAID status would be an important stop toward improving your credit record and restoring your access to credit. ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED 5497-4855-0072-5769 AW li1 it190 SSa4? I? lake Chocks "bIs To Provldlen SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG PA 170SS-7326 Paps 1 011 000000 welcome to Provldlanf please read the enclosed brochure carefully for important Information about your new statement- MASTERCARD 5497485500725769005322203179220 ------------------------------------------------------------------------------ The balance on your first Union account has been transferred to Provldlan. Please use the enclosed envelope to send in your next Payment. r SAGES FROM MASTERCARD YOUR MINIMUM PAYMENT INCLUDES ANY OVERLIMIT AND PAST DUE AMOUNTS. PLEASE REMIT IMMEDIATELY. ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER P"MENT INFORMATION NEW DENTINE $3,179.22 Previous Balance $3.007.16 1-800.944-7341 Credit Uns $3,0W • Credit. •DO Available Credl SOO • Payments '? _ Account Number 0497 46SS 0075 6769 Mlnimun Payment 163424 t Purchases i Payment Due Onto OSAM 6 other Charges .00 t Cash Advances DD Average ANNUAL Dally statemmnl Otis + FINANCE CHARGE 63.06 Type of Balance Dally PERCENTAGE Periodic 07110/98 t Late Charge 49.00 Balance RATE Rate NEW BALANCE $3.179.42 Purchase 53.097.16 47.30% .0636%• SI Do" In Cash Advance 5.00 43.30% .0636%• 1311110g Cysts -fl P ., {YIP TM Y 2661610M 1=3 I z PROVIDIAN NATIONAL BANK We appr cis kyour business. ACCOUNT NUMBER 5497-4855-0072-5769 PAYMENT DUE DATE AUO 31, 1888 SUELLEN YIENOST 6218 WALLINGFORD MAY MECNANICSBURO PA 17055-7326 MASTERCARD MINIMUM PAYMENT 1887.81 Page 1 of t 000000 AMOUNT ENCLOSED I I? Make Checks Payable To Plovldlen 5497485500725769006875103262510 ------------------------------------------------------------------- MESSAGES FROM MASTERCARD YOUR ACCOUNT IS SIGNIFICANTLY PAST OUE TO PREVENT YOUR ACCOUNT FROM ANY FURTHER OELl1GUENCIE9, FURTHER CREDfT DAMAGE, POSSIBLE REFERRAL OF YOUR ACCOUNT FOR FURTHER COLLECTION ACTION OR FROM CHARGING OFFAS A SAD DEBT, PLEASE CALLUS AT 1 111111173311t#2 IMMEDIATELY. ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER I PAYMENT ORMAI NEW BALANCE Previous Balance $3,17922 1.500-944-7344 Credit Line • Credits .00 Available Mat • Payments .00 Account Nutlber 8197 1058 0072 8708 Minimum Payment t Purchases 4 Payment Due Data es Char th 00 g er o t Cash Advances . .00 Average ANNUAL Dally t RNANCE CHARGE ? ? Type of Balance Dally PERCENTAGE Perlodic t Lab Charge Balance RATE Rate m NEW BALANCE 13,48431 Purchase 13,150.12 27.30% .0038Y•• Cash Advance 1.DO 2730% .0030Y. .0" PROVIDIAN NATIONAL BANK 93=.51 17,000 SRID 180731 .' 08/71198 Staumant Dale 00/08!90 27 Days In Billing cycle eew IYr may my We appreciate your business. Youl ACCOUNT NUMBER 5497-4855-0072-5769 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENPLOSED F H 40.1008 ..5819.00 Make Checks Pryable To Provkflan SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Page t of 1 000000 770 MASTERCARD 5497485500725769008198303321830 ----------------- ACCOUNT SUMMARY ------- ----------------------------- CUSTOMER SERVICE PHONE NUMBER -------------------------- PAYMENT INFORMATION Prwloua BWnw $3,M.51 1-800.944-7344 NEW t Credit b S3,0m • Credits .00 Available Chat SDD • Payments .00 Account Number 3497 4838 0074 8780 Minimum Payment 51110A] t Purchases 4 Payment Due Date 0or"m other Charges .00 t Cash Advances .00 Avenge ANNUAL Daily Blsrlnnl Dale + RNANCE CHARGE 30.32 Type of Balance Daily PE RCENTAGE Periodic 09/04/08 t Late Charge .00 Balance RATE Rate NEW BALANCE ?•m •? Purchase 53,04.48 47.70% .08711%. 40 Days In Cash Advance 11.011 21.90% .0800% 6101ng Lyole 488181000 1843 1348 'Deb Peeea fA14 mer my PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! ACCOUNT NUMBER 5497-4855-0072-5769 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENgL03EQ OCT 27,10011 :044.20 is Make Clocks Psyeble To PtovkOan SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Page 1 01 I 000000 no MASTERCARD 5497485500725769009442003372200 --------------------------------------------------------- A000UNTSUMMARY CUSTOMER SERVICE PHONE NUMBER PAYN NEW BALANCE Previous Balance $332127 1-800-944-r3" Credit Una • Credits ,00 le Credit • Payments .00 Account Number 8407 4036 0072 6780 mum Minimum Mini Pa t Purchases 4 Pay Payment Due w Date le other Charges .00 t Cash Advances •00 Average ANNUAL Dally + FlNANCECHARGE 60•? Type of Balance Dally PERCENTAGE Periodic t Late Charge Balance RATE Rate e. NEW BALANCE $3,77220 I Purchase $3.287.87 27.70% .0878%• Cash Advance 2.Do 21.90% .0600% PROVIDIAN NATIONAL BANK $3,77220 =7,000 100 194420 1073M audsmain Date 0976198 24 Days In 8101no Cyaa We appr cia kyour business. ACCOUNT NUMBER 5497-4855-0072-5769 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED NOV 27,1000 i1,006A2 F-$ - 771 Mrke Cheeks Payable To Pmvktlen SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURO PA 17055-7326 Page 1 of t 000000 110 MASTERCARD 5497485500725769010864203438420 --------- ----------------------------------------------------- A000UNTSUMMARY CUSTOMER SERVICE PHONE NUMBER ----------------- PAYMENT INFORMATION NEW BALANCE Dnvleuf Balance 11,77210 1.8Oae44.7344 Credil Line $3.000 • Credtf •00 Available Credit $DD • Payments •00 Account Number 6407 4035 0072 6760 Minimum Payment $1,006.42 + Purchases Payment Due Date 11/23/06 n other Charges .00 .00 + Cash Advances •Do Average ANNUAL Dally 6tatement Dar + FINANCE CHARGE W? Type of Balance Dally PERCENTAGE Periodic 10129!96 + late gorge Balance RATE Rate n NEW BALANCE $3,476.42 Purchase $3,346.06 23.30% .0610%• 71 Days In Cash Advance $.00 21.90% .0600% Rlebhg Dyehe ..,.. . ena 'beg Pww% FW * men very PROVIDIAN NATIONAL BANK We appreciate your business. Thank Youl y ACCOUNT NUUOER 5497-4855-0072-5769 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENC}00ED DEC 44.1990 81,410.80 Fi- Make Checks Peyeble To Providlon SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Papa I of I 000000 240 MASTERCARD 5497485500725769012265603501560 Previous Balance • Credits • Payments t Purchases L other Charges t Cash Advances + FINANCE CHARGE + Lab Charge OR NEW BALANCE ------ --------------------------- CUSTOMER SERVICE PHONE NUMBI 83,138.14 1-800-944-r3" .00 .00 ACemml Number 8197 41188 0072 8709 .00 .00 03.14 Average 00 Type of Balance Daily 83,001.80 Balance Purchase S3,410.74 Cash Advance sm -------------------- R PAYMENT INFORMATION NEW BALANCE 83,801.80 Credit Line 13,000 Available Credit 800 Mlnflnum Payment st,440.80 Payment Due Dale 14/24110 ANNUAL Daily 81niumnlDalm, PERCENTAGE Periodic 11/47108 RATE Rate 1 23.30% .0=%" 29 Gaya In 21.90% .0600% BINng Cycle "/r PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT VICLOSID 5497-4855-0072-5769 IAN 21, 19g9 !1,078.03 I?-? Make Ch "Its P"Able To Pmvldlan SUELLEN YIENOST 6218 WALLINGFORD MAY MECHANICSBURG PA 170SS-7326 Page I of I OOlID00 770 MASTERCARD 5497485500725769013780503574050 Previous Balance . Crrdts Psyrtrnls + Purchases i other Charges + Cash Advances + RNANCE CHARGE + Late Charge m NEW BALANCE ""'m" "".- - ------- - . NEW BALANCE t3,871.05 $7.501 b8 1-800.944.7344 Credt Lane $7.000 .00 Available CYedt f00 '00 Account Number 8497 4853 W77 5789 Mlnlmtrn Payment $1.078.05 01124199 Payment Due Date 00 AD Average ANNUAL Deily Ilt bm.nl Data 72.49 Type of Balance Dally PERCENTAGE Periodic 17!70195 B J Balance RATE Rate O $7A74 I x•47 % ? 0% oc 3 D Cash Advance 00 .0e 21. yab . 8111n P: F ;Y PROVIDIAN NATIONAL BANK We appreciate your business. Thank You I ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED 5497-4855-0072-5769 FE13 22.1999 tI1,S22.2o ?? klaks Chwka PeyaMa To Phcvldlon SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Papa 1 of 1 000000 m MASTERCARD 5497485500725769015223003638300 ----------- ----------------- A000UNT SUMMARY -------- --------------------------- CUSTOMER SERVICE PHONE NUMBER ---------------- PAYMENT IN ORMATION NEW Prevlan Balance $3,674D6 1-800-944.73" Credit Una $3.000 • Credits •00 Available Credit $00 • Payments .00 Account Number 6497 4835 0072 6769 Mlnimhrn Payment $1,622.00 + Purchases 8 Payment Dw Data DWI= other Charges .00 + Cash Advances •00 Average ANNUAL Dally elwrrent Dar + RNANCE CHARGE 6425 Type of Balance Dally PERCENTAGE Periodic 01120/99 + Late Charge BaJance RATE Rate ee NEW BALANCE S:ipe.a0 Purchase 63,646.68 22.60% .01129Yee 2e Days In Cash Advance $.Do 21.90% .11600% 11191n9Cyels -010f P- Ride mvr my PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! r ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENC,L06ED 5497-4855-0072-5769 MAR22,1000 81,415.70 IS Make Cheats "his To Pavldlan SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Page 1 of t 000000 770 MASTERCARD 5447485500725764014157003560700 --------------------------------------------------------------------- ACCOUNT SUMMA7tT wa wmrn ....,...?-..._.._.. _...__ ._ NEW BALANCE 83,600.70 Previous Brans $3,emm 1.800.944-7344 Credit Una S3,0w • Credits .00 Available Credit SOO • Payments 100'00 Account Number 0407 4056 0072 5750 Minimum Payment $1,415.70 t Purchases i Payment Due Onto 03rim es ther Char .00 o g tCash Advances •Do Average ANNUAL Daily Btatalrenl Deis + 17NANCECHARGE 22? Type ut Balance Dally PERCENTAGE Pariodic 02125/00 t Lab Charge Balance RATE Rata as NEW BALANCE $2,560.70 Purchase $4.116621 6.00% .0154% 28 Drys In Cash Advance $.Do 6.00% .0164% Blulnocyata PROVIDIAN NATIONAL BANK We appr cis kyour business. ,. ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED 5497-4855-0072-5769 APR 23, 1000 moks Cheats Psyabr To Provarn SUELLEN YIENOST 6218 WALLINGFORD MAY MECHANICSBURG PA 17055-7326 Page 1 at t Como 770 MASTERCARD 5497485500725769014157003560700 ---- ----------- -------------------------------- ------- -------------- A000UNT SUMMARY CUSTOMER SERVICE PHONE NUMBER ----------- PAYMENT INFORMATION NEW Previous Balance 83,000.70 1-800.944-7344 Credit Line $7,000 • Credits .00 Available Credit $00 • Payments .00 Account Number 5497 41130 W72 5760 Minimum Payment $1.415.70 t Purchases L Payment Due Date 04121W other Charges .00 t Cash Advances .00 Average ANNUAL Dally 6Wsmsnl Der + RNANCECNARGE ? Type of Balance Dally PERCENTAGE Periodic 0122!00 + Late Chary Balance RATE Rate NEW BALANCE $3.560.70 Purchase $.00 .00% AD00% 72 Date M Cash Advance $.Do .00% .0000% Blnlng Cyar PROVIDIAN NATIONAL BANK We appr hankyour business. Youl •I ACCOUNT NUMBER 5497-4855-0072-5769 PAYMENT DUE DATE MINIMUM PAYMENT MAY 24, 119 11.11670 SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Pegs 1 of 1 000000 270 MASTERCARD 5497485500725769014157003560700 AMOUNT E?NCI,07ED. Male Chet. Payable To Provsnan ----------------- ACCOUNT SUMMARY ---- CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NCE 70 NEW BALA Previous Balance 10.600.70 1-800.944-73" credit Una 10,000 • Credits .00 Available Credit 100 • Payments .00 Account Number 6467 4666 0072 6766 Minimum Payment 11,616.70 0=4119 t Purchases i Payment Due Date 00 other Charges t Cash Advances . .00 Average ANNUAL Daily 6lalamsnl Dw t FINANCE CHARGE .00 Type of Balance Daily PERCENTAGE Periodic Dusagg t late Charge NEW BALANCE AO 17.660.70 Balance Do $ RATE Rate w% .11000% 21 Days in . purchase Do $ .00% .0000% 8111ng Cyals . Cash Advance 260000000 1526 1626 PROVIDIAN NATIONAL BANK We appreciate your business. Thank Youl VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. 72094 PARK LAW ASSOCIATES, P.C. 25 East State Street P.O. Box 1779 Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF PROVIDIAN NATIONAL BANK CUMBERLAND COUNTY 5040 JOHNSON DRIVE COURT OF COMMON PLEAS PLEASANTON, CA 94566 Plaintiff vs. SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG, PA 17055-7326 NO. 99-6411 CIVIL TERM CERTIFICATE OF SERVICE Valerie Rosenbluth Park, Esquire certifies that she is the attorney for the above named Plaintiff in the instant action and that on January 26, 2000, she served a true and correct copy of Plaintiff's Amended Complaint by mailing the same by regular mail, postage paid, to the person and at the address set forth below: Attorney for Defendant James M. Bach, Esq. 352 S. Sporting Hill Road Mechanicsburg, PA 17055 PARK LAW ASSOCIATES, P.C. BY: VALE E ROSENBLUTH PARK, ESQ. ATTORNEY FOR PLAINTIFF i1 C(7 f' U w N ?'S i% CL. LW o U .3 PROVIDIAN NATIONAL [SANK Plaintiff, Vs. SUELLEN VIENCST, Defendant : IN THE. COURT OF COMMON PLEAS : OF CUMBERLAND COUNTY, PENNSYLVANIA : No. 99-6411 CIVIL TERM AND NOW comes the Defendant, by her attorney, JAMES M. BACH, and files the within PRELIMINARY OBJECTION (SET 3): MOTION TO STRIKE. OFF UNJUST ENRICHMENT COUNT IN COMPLAINT. In this complaint, the Plaintiff, suggests in Count No. 2 in paragraph numbered 14 - 19 that the Defendant would be unjustly enriched if Plaintiff could not recover the sum of three thousand, four hundred and eighteen dollars ($3, 418). The joinder of unjust enrichment in a case that rises and falls under contract law and a contract has been attached to the complaint as an exhibit must be struck from the complaint. The Defendant herein, should not be required to answer and defend a claim of unjust enrichment that is inappropriate and impermissibly joined within this alleged cause of action. 'I'hcjoinder of the equitable count, unjust enrichment, violates the Rules of Civil Procedure as this complaint sounds in contract law only. WHEREFORE, In light of the preliminary objections filed herein, this honorable court should direct that the equitable count of unjust enrichment contained herein be struck, or in the I f alternative require the Plaintiff to amend this complaint according to law by deleting this count I voluntary, or in the final alternative if Plaintiff fails to do so, the court should strike and or dismiss this complaint. Respectfully submitted, ---A - . &,nA /A ATT 2NEY JAMES M. BACH Attorney I.D. H 18727 352 South Sporting Hill Road Mechanicsburg, PA 17055 (717) 737-2033 Attorney for Defendant ?s VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 East State Street P.O. Box 1779 Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF PROVIDIAN NATIONAL BANK 5040 JOHNSON DRIVE PLEASANTON, CA 94566 CUMBERLAND COUNTY COURT OF COMMON PLEAS PLAINTIFF VS. SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG, PA 17055-7326 DEFENDANT NO. 99-6411 CIVIL TERM NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by an attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for other claims or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO, OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. COURT ADMINISTRATOR 4th Floor, Cumberland County Courthouse Carlisle, PA 17013 (717) 240-6200 THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. 72094 PARK LAW ASSOCIATES, P.C. 25 EAST State Street, P.O. BOX 1779 Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF PROVIDIAN NATIONAL BANK CUMBERLAND COUNTY 5040 JOHNSON DRIVE COURT OF COMMON PLEAS PLEASANTON, CA 94566 PLAINTIFF VS. SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG, PA 17055-7326 DEFENDANT NO. 99-6411 CIVIL TERM AMENDED COMPLAINT COUNT I - BREACH OF CONTRACT .,c 1. The Plaintiff is Providian National Bank, an organization domiciled at 295 Main Street, Tilton, NH 03276, and existing under the laws of the Unites States of America. The Defendant is Suellen Yiengst is an individual 2 . residing at 6218 Wallingford Way, Mechanicsburg, Pennsylvania. 3. At the request of the Defendant, First Union Bank issued 's to Defendant a credit account. At all times relevant hereto, Defendant was the holder of said credit account issued through First Union credit facilities. C ?1 4. Subsequent to the delivery of the First Union credit account to the Defendant, and therein acceptance of the same, First Union, for valuable consideration and in the normal course of business, sold, assigned and transferred the Defendant's account to Plaintiff, which is now and has been since the date of the assignment, the legal owner and holder of said account. A true and correct copy of the officer's Certificate and Assignment from First Union to Providian is attached hereto, made a part hereof and marked as Exhibit "A". 5. The Defendant is indebted to Plaintiff on the credit account by virtue of charges or cash advances incurred by the Defendant or authorized by the Defendant on a credit account now owned by the Plaintiff currently bearing account number 5497485500725769. A true and correct copy of the Account Agreement is attached hereto, made a part hereof and marked Exhibit "B". 6. Defendant utilized Plaintiff's credit facilities and while the account was active, the Defendant made numerous payments on the account, acknowledging the debt 7. Notwithstanding the frequent demands by Plaintiff for payment of the amount due, there has been a failure and refusal by the Defendant to pay the same or any part thereof. e. The Defendant has failed to pay the amount owed in accordance with the Account Agreement and has failed to pay the outstanding debt as agreed and is indebted to the Plaintiff in the amount of $3,418.55 as of September 30, 1999. 9. Defendant's obligation is based on a subsisting debt and arises from a pre-existing account. 10. Defendant has not objected to Account Statements issued to the Defendant on a monthly basis. A true and correct copy of the most recent monthly statement is attached hereto, made a part hereof and marked Exhibit "C". 11. Defendant is liable to Plaintiff on this Account as an Account Stated. 12. In accordance with the terms of Exhibit "B", Defendant agreed to pay a finance charge on all sums due at an annual percentage rate of 6.00t and Plaintiff is entitled to additional finance charges from September 30, 1999. 13. In accordance with the terms of Exhibit "B", Defendant agreed to pay reasonable attorney's fee if the account was referred to an attorney for collection, and Plaintiff will incur an attorney's fee in the amount of $683.00. WHEREFORE, Plaintiff demands judgment against the Defendant in the sum of $3,418.55, plus interest from September 30, 1999, plus attorney's fees of $683.00 and costs of this action. PARK LAW ASSOCIATES, P.C. By VALERIE SENBLUTH PARK, ESQUIRE COMMONWEALTH OF PENNSYLVANIA COUNTY OF BUCKS Valerie Rosenbluth Park, Esquire, being duly sworn according to law, deposes and says that she is the attorney at law for Park Law Associates, P.C.; ( )That the party lacks sufficient knowledge or information to take a Verification; ( X )Outside the jurisdiction of the Court and that the parties' Verification can not be obtained within the time allowed for filing of the foregoing; That I am authorized to take this Verification; that the facts contained in the foregoing matter are true and correct to my information and belief; and That the source of my information or facts of documents are provided by my client. -`! ! VALERIE ROSENBLUTH PARK, ESQ. OFFICER'S CERTIFICATE PROVIDIAN NATIONAL BANK ACCOUNT NUMBER: 54974855-0072-5769 ACCOUNTHOLDER NA11[E: SUELLEN YIENGST In my capacity as Operations Officer of Providian National Bank, I hereby certify the following: 1. In accordance with the Credit Card Purchase and Sale Agreement dated March 31, 1998, between First Union Direct Bank, N.A. ("Seller") and Provldian National Bank ("Buyer") (the "Agreement"), Seller did convey all of its right, title, and interest in a portfolio of credit accounts (the "Accounts"). 2. Attached hereto is a true and correct copy of Exhibit I of the Agreement, which is the document evidencing the actual assignment of the accounts from Seller to Buyer. 3. The following account was among the accounts assigned pursuant to Exhibit I of the Agreement: First Union Direct Bank Account Number: 5228-1300-1282.5543 Customer Name: SUELLENYIENGST 4. The outstanding balance of the SUELLEN YIENGST Account was accurately transferred from the Seller to the Buyer. The balance as of the most recent Providian National Bank statement (dated November 29, 1999) was $3452.41. By: .1 ?c I i L. Holland Title: Operations Officer FUD2CRT.DOC EX-IE17 1 - AS51Gj N-1 FOR VALUE RECEIVED, Firs-, Union Direct Bank, N.A. ( aller"), does hereby sell, assion, transfer and convey to Froyidian National Bank ("Buyer") as of May 1, 122 8 all of Seller's rights, title and interest in and to all of th following assets and agreements (collectively, the "Assets"): (i) All Accounts; (ii) All Accounts.Receivable; (iii) All Account Records; (iv) All Cardholder Agreements: (v) . Cardholder Ust; (vi) Interchange Fees; and _ (vii) Uneaned,Ah6ual Fat Intone. In accordance with the Cradi: Card For olic Purchase a-c Sale Acraemc. datad as of March 21, 1 SSE bcvt4een Seiler and Euyer (t ha ' '-,rz awe Acreement"), Seller hereby conveys to Euyer CCOd and. mar:<cta=ie title to ail of z„a t Assets, free and clear of any and all Liens. This Assignment is made pursuant to, and capitalized termis not otherwise defined herein shall have the meaning set forth in, the Furchas Acreement and this Assignment shall be governed by such Purchase Agreement. IN WITNESS WHEREOF, the.undersioned has caused this Assicnment to be duly executed this 1st day of May, lee / Ey: aims E.,Harren- t itle: Vice President FJ6'fC: 43 e,0-1 40 Rs•r. 7/71/51 • F01.1067 R0 kPROVIDIAN Welcome r,I,Intial Enjoy the Exclusive Benefits Providian MasterCard" Brings You-Call Now to Activate! June 1998 Dear First Union Customer, We are delighted to welcome you as a new customer and to notify you that, as of Monday, June 29, 1998, your First Union' credit card will be issued by Providian National Bank. As a special welcome, we have upgraded you to Premier status; this distinction entitles you io a world of power and prestige enjoyed by only a select few. More Than a Replacement...an Upgrade. . i Your enclosed Providian Platinum M sterC rd reputes your First Union MisrerCard. You should call to activac yyur new card immediately. In addition to the many benefits you have enjoyed with your First Union MasterCard, your Providian Platinum MasterCird comes with valuable extras, it no extra cost to you: • Free Auto Rental Collision Protection *$1,000, 000 Travel Accident Insurance • Damage and Theft Protection for New Purchases • Up to One Extra Year of Protection with Extended Warranty • Up to $3,000 Lost Luggage Protection • Free Credit Cud Registration • Extensive Travel Discounts Whit's more, you Il be eligible for special offers and savings exclusively for Providian customers. Learn more about the benefits of your new card in the enclosed benefiu brochure. One of the Nation's Leading Credit Card Companies. Established in 1853, Providian National Bank is a member of the Federal Deposit Insurance Corporation (FDIC) and of Providian Financial Corporation's $12 billion family of financial services companies. Providian serves millions of credit card customers throughout the country. Activate Your Card Immediately. Just call toll-free 1-8001531.7566 to activate your card - and you can start enjoying all the benefits of your Providian MasterCard is of Mond y. tune 29. After chat date, go ahead and destroy your First Union card and any unused First Union convenience checks. Your replacement checks will be sent to you within the next few weeks. Remember to keep your account number handy. If you currently have any automatic deductions on your First Union account (e.g., a health club membership or online Internet service), call those merchants to have your account number switched to your new Providian Platinum MasterCard account number. Help Is Always Available. Please read the enclosed materials or call our Customer Service team with any questions. They are ready to be of service whenever you need assistance. Call 1.800-944.7344 to access your account information anytime, beginning Monday, June 29. Sincerely, Eileen Scack Senior rice Prrridenr rl.. 1:. \r 5f•..r•:1 n{ %•.t,t 1\V 'IV, of r.-l I, ,'. , pn„ "i '' .. .... .. .? ...r•v i . t 0 =1 0 n q R O LL m i z c ca !U a Lim R? ??3 x 3 r 3 !? ui - K Y.Y K 9 Eli a its !2 2.9 s? . Y Z 3 .¢ o CL. U14 9 UL Is 153 fll bra ?Y M goia, u N... 1-1 a y 6. ;'Euo axp•A =2?5p? ?•i %i??f• `Y 'JC6$ °Yag gBSY9 Cy 7fLi ?iCE E( r3, y f i T s, L `j $ f R tu. a, 3k3 .7s ? y Y ? s? q r: f ?F o f.r y j U ? f J ,a ri n 5?5' ; rr ARk 1.2 3 V S it @:J ux: Hs" > z =0 =tea .? gn y ?^t q C 5'x 5' A 4. ?R aw tiggg sts?j.-itjg it'll In I? S ° Y t. 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Cash to you. -.....- ect.. ..:.' :1, smcond ,yard a: ..o -...::1 .Bare Fr: peson.di:ed -_. vk; • Specialixcd customer ierrice • Round-the-clock fraud p:rection • E(tcnsive travel discount. • Free credit card registration. If you have gccstioni a:;out you-nv-v Providian :MasterCard-no•.v cr ;...:_ data: - our Customc: Senn x tears-, is aie:ays just a phone call :ray. Ard you car. access you: account i1 orr .a: on a: aay t....., a day. se: cn drys u 1-80o-944-7344. I Pnn'idian National Bank iV"PROVIDIAN in ..:,.; A Change for the Better. Welcome to Providian, i the company now issuing your First Union credit card. Your new Providian MasterCard doesnc just replace your First Union Mastercard-it surpasses it with unparalleled Platinum benefits. Welcome Extra Benefits at No Extra Cost. With Providian 114asrerCard, you'll enjoy benefic above and beyond chose you had on your First Union blasterCard: • Free Auto Rental Collision Protection • S 1,000,000 Travel Accident Insurance • Damage and Theft Protection for New Purchases • Up to One Extra Year of Protection with Emended Warraary • Up to $3,000 Lost Luggage Protection and more... Providian: A Name You've Been Upgraded to Premier Status You Can Trust. with Your New Providian MasterCard. 1 Providian National Bank is a member of i the Federal Deposit Insurance Corporation (FDIC) and of Providian Financial Corporations $12 billion family of financial services companies. As one ifli of the nations largest VISA' and MasterCard issuers, Providian proudly serves millions of l credit card customers ., throughout the country. Aaivate your new card immediately by calling toll-free 1-800-431-7566. 2 Begin using and enjoying your new MasterCard starting on Tune 29. 1998. 3 Destroy your First Union credit card and any unused convenience checks after June 29. 1998. Lan ACCOUNT NUMBER 5497-48SS-0072-5769 PAYMENT DUE DATE MINIMUM PAYMENT AUO W, 1098 f37222 SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Page 1 of I ooooob MASTERCARD 5497485500725769005322203179220 AMOUNT ENCLOSED Larks Clocks "bin To Provkllen Welcome to Providianl Please read the enclosed brochure carefully for Important information about your new stat¦sent. The balance on Your First Union account has been transferred to Providian. Plea" use the enclosed envelope to send in your next Payment, MESSAGES FROM MASTERCARD YOUR MINIMUM PAYMENT INCLUDES ANY OVERLIMIT AND PAST DUE AMOUNTS. PLEASE REMIT IMMEDIATELY. ACCOUNTSUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance $7,007.18 1-800-944-73U NEW BALANCE Credit Una $7,17922 $7.000 • Credits oo 00 Available Credit $00 Payments • .00 Account Number 5497 0058 0072 8780 Minimum Payment $37722 + Purchases i Payment Due Dale 0111#0419111 other Charges .00 + Cash Advances .00 Average ANNUAL Daily 91aimmrnl oar + FINANCE ROE 29.00 Type of Balance Dally PERCENTAGE Periodic 07110190 + Lab Charge 79 Balance RATE Rate NEW BALANCE 2 $7,179227 Purchase $7,007.18 27.30%. .00711%. 77 Days In Cash Advance S.DO 23.30%. .0078%• Bu3ng Cycle 280131000 1823 A3.TL PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! EXHIBIT ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT 5497-4855-0072-5769 Atwat,llue sae7.at SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURO PA 17055-7326 Page I of I 000000 MASTERCARD 5497485500725769006875103262510 AMOUNT ENCLOSED Make Checks Pryable To Provldlsn MESSAGES FROM MASTERCARD YOUR ACCOUNT IS SIGNIFICANTLY PAST DUE, TO PREVENT YOUR ACCOUNT FROM ANY FURTHER DELINQUENCIES, FURTHER CREDIT DAMAGE, POSSIBLE REFERRAL OF YOUR ACCOUNT FOR FURTH ER COLLECTION ACTON OR FROM CHARGING OFF AS A BAD DEBT, PLEASE CALLUS AT 1000 7N 8103 IMMEDIATELY. ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance ious $7,17922 1-800-944-7344 NEW BALANCE Credit Line $3=.B1 $3 000 • Credits OD , • Payments .00 Available Credit S00 t s l Account Number 8497 4858 W73 8788 Minimum Payment SwA1 other Charges .00 Payment Due Date 011I3IAI t Cash Advances .00 t FINANCE CHARGE 5429 5429 Average ANNUAL Daily atels"nl Deb t Late Lab Br Charge 39 .5 Type of Balance Dally PERCENTAGE Periodic 08105198 e NEW BALANCE $3,262.81 Balance RATE Rate Purchase $3,150.13 37.30% .D=%- 27 Days In Cash Advance $.00 33.30% .0638% 81111ng Cycle 288151000 1538 A532 PROVIDIAN NATIONAL BANK 'Dab Pw*" Iwr may vey We appreciate your business. Thank You! ACCOUNT NUMBER 5497-4555-0072-5769 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED SEP ?4, 7990 t619.6T I S Lake Chsaks Payabla To Pmvktkm SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURG PA 170SS-7326 Papa I of I 000000 770 MASTERCARD 5497485500725769008198303321830 ------------------------------------------------------------------------------- ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance 87 02.61 1'800'944-rJ" NEW BALANCE Credit Une 87,727.87 !7,000 • Credits redits DD Available Credit Sw f C • • Purchases i .00 Account Number 6497 4583 0072 5769 Minimum Payment 81119.07 other Charges .00 Payment Due Onto 094119111 t Cash Advances AO Average ANNUAL Dally 0tslanenl Dar + FINANCE CHARGE 69.72 Type of Balance Daily PE RCENTAGE Periodic OR W/98 t We Charge AO Balance RATE Rate as NEW BALANCE 87,741.87 Purchase 87,204.46 47.70% .Do=%• 22 Days In Cash Advance SAO 21.90% .0600% BI81ng Dyala 206761000 1626 1523 PROVIDIAN NATIONAL BANK Carr Peace rwa Inq • 7 We appreciate your business. Thank YouI ACCOUNT NUMBER 5497-4855-0072-5769 SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURG PA 170SS-7326 Paps I of I ooooob 270 MASTERCARD 5497485500725769009442003372200 Make Checks Potable To Prevtdlsn ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance $7,421.87 1-800.944-7344 NEW BALANCE Credit Una $7,37410 $7,000 • Credits 00 Available Credit $00 • Payments + Purtriaus .00 Account Number 3497 4333 W72 6789 Mhimum Payment 1104420 other purges .00 Payment Due Dots 10127/98 + Cash Advances + RNANCE CHARGE .00 50 37 Average ANNUAL Dally Bteanrnt Dale + Late Charge . AO Type of Balance Bally PERCENTAGE Periodic OW20106 e NEW BALANCE 83,772.20 Balance purchase $7,287.87 RATE Rate 2730% .0=%* 24 Days In Cash Advance $.Oo 27.90% DBW% BIIIIng Cyake zeuun Iwo Iwo PROVIDIAN NATIONAL BANK PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCL03ED FE 47, 1908 $9aA10 ..ter ..m..?...w.? We appreciate your business. Thank You! ACCOUNT NUMBER 5497-4855-0072-5769 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED NOV 23, 1978 $1,OBBA2 F$ Make Cheats Psychic To Provldl•n SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Page 1 al 1 doom m MASTERCARD 5497485500725769010864203438420 ----------------- A000UNTSUMMARY -------- ---------------------------- CUSTOMER SERVICE PHONE NUMBER -------------------------- PAYMENT INFORMATION Previous Balance $0,27230 1-800-944-7344 CNEW redit UneNCE ?•S3,o00 • Credits •00 Available Credit SOD • Payments .00 Account Number 547 4833 0072 5789 Minimum Payment $1,01NIA2 + Purchases A Payment Due Dale 111!3198 other Charges .00 + Cash Advances •00 Average ANNUAL Daily Blarirenl Dar + FINANCE CHARGE 8832 00 Type of Balance Dally PERCENTAGE Periodic 1=9198 + Late Charge . Balance RATE Role we NEW BALANCE $0.438.42 Purchase $3.046.03 23.30% .0808%- N Days In Cash Advance $m 21.90% .0800% 6I81no Cycle 280000000 1523 1325 .0" P«Mer M• may W7 PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED 5497-4855-0072-5769 DEC 24,t99e 1722e.x Make CMaks Payable To Provldlsn SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Page 1 of t 000000 2" MASTERCARD 5497485500725769012265603501560 ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance $7,478.42 NEW BALANCE Credit Una 883.5111.56 S3 000 • Credits .00 Available Credit , $Do • Payments + Purchases 8 .00 Account Number 0497 4033 0072 0750 Minimum Payment $1,420.00 other Charges .00 Payment Due Date 12122/95 + Cash Advances .00 Average ANNUAL Dally Statement Dale + FINANCE CHARGE 57.14 Type of Balance Dally PERCENTAGE Periodic 11/27195 + We Charge .00 Baen<e RATE Rate ha NEW BALANCE $],501.55 Purchase $7,410.74 27.70Y. .00]8%• 2/Days In Cash Advance III DO 21.90% .0500% 8151ngcyals 280000000 1525 1523 PROVIOIAN NATIONAL BANK 'Dyr Peaw hie mq wr We appreciate your business. Thank YouI ACCOUNT NUMBER 5497-4855-0072-5769 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCL03ED JAN 24, 1000 111,778.03 1 S I Make Cheeks PsysbleTo Pmvrlen SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Page I at t oom m MASTERCARD 5497485500725769013780503574050 ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Nous Balance $3,801.88 1-800-944-7344 NEW BALANCE Credit Line $3,374.08 $3,000 • Credits - Paynmaymentts A0 .00 Available Credit 1100 + Purchases f Account Number 8407 4888 0072 8780 Mlnimtm Payment $1,778.03 other Charges .00 Payment Duo Dale 01124M + Cash Advances + PINANCE CHARGE .00 72.40 Average ANNUAL Dally Btarment oar + Late Charge .00 Type of Balance Daily PERCENTAGE Periodic 12W98 n NEW BALANCE $3,874.08 Balance Purchase $3,478.82 RATE Rate 2703% .0872%- 33 Days In Cash Advance 11.00 21.90% .0800% 81111"Cycle 280000000 1823 1828 PROVIDIAN NATIONAL BANK -D* PeeM We me/ vary We appreciate your business. Thank You! ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED 5497-4855-0072-5769 FE822 7999 $1,62270 L? Make Cheats Payable To Provldlen SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Page I of I 000000 270 MASTERCARD 5497485500725769015223003638300 ------------------------------------------------------------------------------- ACCOUNTSUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Pnvbw Balance $9,674.00 1-800-944-73" NEW BALANCE Credit Una p 3B $? • Credits •00 Available Credit Sw • Payment Account Number 5497 4800 0072 5709 Minimum Payment $1,022.70 other Changes ,pD Payment Due Dale 0Yl2190 + Cnh Advances + FINANCE CHARGE .00 6425 Average ANNUAL Dally BaWffenl Dole + Lab Charge .00 Type of Balance Dally PERCENTAGE Periodic 011211199 NEW BALANCE ? .? Balance RATE Rate Purchase $3,840.88 2220% 0028%- to Days in Cash Advance $.Do 21.00% .0000% Blblng Cycle Tgaaat UU tale laic PROVIDIAN NATIONAL BANK -Lary rwr M- ma/ my We appreciate your business, Thank YouI ACCOUNT NUMBER 5497-4855-0072-5769 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED YM 22, t$0D $1,415.70 [$ Make Checks PN, sbis To Provldlsn SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Page 1 0l t 000000 200 MASTERCARD 5497485500725769014157003560700 ------------------------------------------------------------------- TRANSACTIONS Post onto Description Transaction Data Amount 01-29P vm RECEIVED -- THANK YOU 01-29 754172890290 0000010612 0000 100.00 ACCOUNT SUMMARY Previous Balance . Credits . Payments t Purchases L 33,5418.30 .00 100.00 CUSTOMER SERVICE PHONE NUMBER .1$00-944-7344 Account Number 5407 4855 0072 5760 PAYMENT INFORMATION NEW BALANCE X 10 Credit Uns $3,000 Available Credit 300 Minimum Payment $1,415.70 Payment Due Ogle 0=2$00 h 00 arges other C t Cash Advances + FiNANCE CHARGE + Lab Charge as NEW BALANCE . .00 22.40 .00 f3,im.70 Average ANNUAL Dally Type of Balance Dally PERCENTAGE Periodic Balance RATE Rate Purchase $4,855.21 5.00% .0154% Cash Advance 3.00 8.00% .0154% 0tetseent Date 02125100 25 Deus In Blmno Cyals PROVIDIAN NATIONAL BANK We appreciate hnyour business. ^xy f You! lh r Smooth Feed Sheets TM ACCOUNT NUMBER 5497-4855-0072-5769 Use template Fpr 5160" PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED APR 27, 1000 (1,415.70 Make Cheeks Payable TO Prevktan SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Nils 1 011 000000 770 MASTERCARD 5497485500725769014157003560700 Previous Balance • Credits • Payments t Purchases other Charges t Cash Advances + FINANCE CHARGE + Late Charge as NEW BALANCE (CUSTOMER SERVICE PHONE HUM= S3.580-70 00 1.800044-7344 .00 Account Number 3407 47155 0072 3750 .00 .00 Average .00 0 Type of Balance Daily Balance 0 seo. &3 Purchase 5.00 Cash Advance 1.00 PROVIDIAN NATIONAL BANK f BALANCE it Uns lable CnAI mum Payment ment Due Date ANNUAL Dally PERCENTAGE Perlodic RATE Rate .00% DOW % .00% .0000% We appr cis kyourribusiness. Tha &3,550 70 12.000 100 11,410 70 044131,110 "1110610 03129100 32 Days in $0111&3 CY4a 1,111 , 51 ,r, ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCL06ED 5497-4855-0072-5769 MAY 26,19W itgts.7o, (s ?-? MikeCMe?W Pry,bla?To ProvIdlen SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Page 1011 000000 tt0 MASTERCARD 5497485500725769014157003560700 A000UNTSUMMARY D -------------------- CUSTOMER SERVICE PHONE NUMBER -------------- PAYMENT INFORMATION nvlous Balance cr.Wb i3,s60.70 0 1-800-944-7344 NEW BALANCE i3,6W.70 Paym,nta . 0 ? cneN Una ? ? t Purchases 4 Account Number 0697 1836 0072 5769 Avallable Credl Mlnlmum Payment Sao other Charges t Cash Advance, .00 Payment Du, Dab 11,616.70 06/2U99 + RNANCECHARGE t Loh Charge 00 .00 Average Type of Balance ANNUAL Daily essssmanl Bass es NEW BALANCE. 13,560.70 Dally PERCENTAGE Periodic Balance RATE 04/29/99 Purchase 1.00 Cash Advance 1 00 Rake 0111% .0000% 71 Bay, In . .00% .0000% 61111M Cyess 2B000OOOB 1525 1523 PROVIDIAN NATIONAL BANK We appreciate your business . Thank Youl ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED 5497-4855-0072-5769 JUN 22,1:m: tb63A0 Make Cheeks Poyabla To Provglsn SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Pops 1011 000000 220 MASTERCARD 5497485500725769008550003560700 ACCOUNT SUMMARY iCUSTOMER SERVICE PHONE NUMBE Previous Branca 67,56070 1-800.944-7344 • Credits •00 • Payments .00 Account Number 5497 1365 0072 5769 t Purchases i es the Char •00 g o r t Cash Advances •00 Average + FlNANCECHARGE •00 Type of Balance Dally t Late Charge Balance e NEW BALANCE 67,590.70 Purchase SAO Cash Advance 6.00 PROVIDIAN NATIONAL BANK NEW BALANCE 67,660.10 Credit Una 67.000 Available Credit 600 Minimum Payment 111163.00 Payment Due Data 06127/90 ANNUAL Dally Slabnent Oahe PERCENTAGE Periodic 05/26/99 RATE Rate .00% .11000% 29 Days M .00% .0000% 8161nOCyehs We appreciate your business. Thank You I 1t ACCOUNT NUMBER 5497-4855-0072-5769 PAYMENT DUE DATE MINIMUM PAYMENT JUL 44, 1990 - $3,567.01 SUELLEN YIENDST 6218 WALLINGFORD WAY MECNANICSIIURO PA 17055-7326 Page 1011 000000 MASTERCARD 5497485500725769035670403567040 AMOUNT ENCLOSED Make Chocks Payable To Providlen ACCOUNTSUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance $3,660.70 1-800-280-0559 NEW BALANCE Credit Una $3,567.00 $3 000 . C credits redits • ayments . .00 70 Available Credit , $00 + Purchases i Account Number 0497 4805 0074 8769 Minimum Payment $3,567.04 other Charges .00 Payment Ow Dale 07124= + Cash Advances + RNANCE CHARGE .00 6.34 Average ANNUAL Dally etarmonl Der + Late Charge .00 Type at Balance Daily PERCENTAGE Periodic 06129799 n NEW BALANCE $3 567.04 Balance RATE Rate . Purchase $1,204.92 8.00% .0164% 72 Wye In Cash Advance $.0o 600% .0154% BNInocycle :nananaRY sua sue THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. PROVIDIAN NATIONAL BANK Access to credit is essential in today's world. Bringing your Providian account to PAID status would be an Important step toward Improving your credit record and restoring your access to credit, I J,. r,t- LZ ?' ca V VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 E. State Street Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF PROVIDIAN NATIONAL BANK 5040 JOHNSON DRIVE PLEASANTON, CA 94566 . CUMBERLAND COUNTY . COURT OF COMMON PLEAS PLAINTIFF VS. SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG, PA 17055-7326 DEFENDANT . NO. 99-6411 CIVIL TERM CERTIFICATE OF SERVICE Valerie Rosenbluth Park, Esquire certifies that she is the attorney for the above named Defendants in the instant action and that on March 6, 2000, she served a true and correct copy of Plaintiff's Amended Complaint by mailing the same by regular mail, postage paid, to the person and at the address set forth below: Attorney for Defendant James M. Bach, Esq. 352 S. Sporting Hill Road Mechanicsburg, PA 17055 PARK LAW ASSOCIATES, P.C. _ BY:C'? VALERI OSENBLUTH PARK, ESQ. ATTORNEY FOR PLAINTIFF tel:: G. :.J a, t t.. a c: c. U FROVIDIAN NATIONAL IN THE COURT OF COMMON PLEAS BANK, OF CUMBERLAND COUNTY, Plaintiff PENNSYLVANIA 99- /.V/( Vs. NO.99ft"t1 CIVIL TERM SUE ELLEN YIENGST, CIVIL ACTION - LAW Defendant AND NOW comes the Defendant, SUE ELLEN YIENGST, by his attorney, JAMES M. BACH, ESQUIRE, and files the within ANSWER. 1. ADMITTED. 2. ADMITTED. 3-13. The defendant, after reasonable investigation is without knowledge or information sufficient to form a belief as to the truth of these averments. WHEREFORE, Defendant herein respectfully prays that the Complaint against her be dismisssed. Respectfully submitted, Dale: 14-0-0 UKNEY JAMES M, BA Ito rney ID#18727 South Sporting Hill Road Mechanicsburg, PA 17055 (717) 737-2033 Attorney for Defendant Cl) 1) l C7 L=l PROVIDIAN NATIONAL BANK Plaintiff Vs. SUE ELLEN YIENGST Defendant IN THE COURT OF COMMON PLEAS, CUMBERLAND CO. NO. 99-6411 CIVIL DEFENDANT'S CROSS-MOTION IN OPPOSITION TO A MOTION FOR SUMMARY JUDGMENT AND NOW, comes the defendant, by and through her attorney, JAMES M. BACH, and files the within CROSS-MOTION IN OPPOSITION TO A MOTION FOR SUMMARY JUDGMENT: 1. ADMITTED. 2. ADMITTED. 3. DENIED. Defendant has filed answers to Interrogatories with the office of the Prothonotary. 4. DENIED. This is a conclusion of law for which a response Is not generally required. 5. DENIED. There are material Issues of fact and the defendant denies liability as to all matters complained of. 6. DENIED. The defendant has denied liability throughout this case, and continues to deny liability. This plaintiff seeks counsel fees of $683.00 and costs, however, fails to Itemize anywhere in the pleadings or exhibits an Invoice to support same. This is especially egregious. WHEREFORE, the defendant prays that the Motion for Summary Judgment be denied, especially that portion dealing with attorney fees, etc. Respectfully Submitted, a-T ? MES M. BACH ttorney at Law 352 South Sporting Hill Road Mechanicsburg, PA 17050 ID #18727 ___? _ . r? ?? ? ?x?<? i? i ? )4 iii, ? ?.1 -??? ?? -., a? r•. ? ?}C ?. C '?U? Li ? U PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argument Court. CAPTION OF CASE (entire caption must be stated in full) PROVIDIAN NATIONAL BANK (Plaintiff) VS. SUELLEN YIENGST (Defendant) No. 6411 Civil TERM 199 1. State matter to be argued (i.e., plaintiff's motion for new trial, defendant's demurrer to canplaint, etc.): MOTION FOR SUMMARY JUDGMENT 2. Identify counsel who will argue case: (a) for plaintiff: VALERIE ROSENBLUTH PARK, ESQUIRE Address: 25 E. STATE STREET, P.O. BOX 1779 DOYLESTOWN, PA 18901 (b) for defendant: JAMES M. BACH, ESQUIRE Address: 352 SOUTH SPORTING HILL ROAD MECHANICSBURG, PA 17055 3. 1 will notify all parties in writing within two days that this case has been listed for argumnt. 4. Atgunent Court Date: Dated: '' #+? un .V:ea}vr3v?w omni•ei.-?r•w<Y}?atiryauN4gr..,?.4H.+tii?lw??w?Netan.i?iNLfif>nvu•?..?1•..•...^. ?. ••. .:?_.?. . .. r? t? ? h ti C CZJ tV . CV ; O .7 VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 E. State Street Doylestown, PA 18901 (215 348-5200 ATTORNEY FOR PLAINTIFF PROVIDIAN NATIONAL BANK Plaintiff VS. SUE ELLEN YIENGST Defendant : CUMBERLAND COUNTY : COURT OF COMMON PLEAS NO. 99-6411 Civil O R D E R AND NOW, to wit, this day of _, 2000, upon consideration of the Motion for Summary Judgment, Memorandum of Law, and the Motion of Valerie Rosenbluth Park, Esquire, Judgment is hereby entered on behalf of the Plaintiff, Providian National Bank, and against the Defendant, Sue Ellen Yiengst, in the amount of $3,418.55 together with interest from September 30, 1999 plus attorney's fees of $683.00 and costs of this action. BY THE COURT: 4 yr ; - x UK ?cm .Yi s C I I A 44 v fir Y.: VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 E. State Street Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF PROVIDIAN NATIONAL BANK : CUMBERLAND COUNTY : COURT OF COMMON PLEAS Plaintiff VS. SUE ELLEN YIENGST Defendant NO. 99-6411 Civil MOTION FOR SUMMARY JUDGMENT TO THE HONORABLE, THE JUDGES OF THE SAID COURT: The Plaintiff by its attorneys, Park Law Associates, P.C., moves the Court to enter an Crder for Summary Judgment and states the following reasons therefore: 1. The Complaint in the above captioned matter was filed on October 20, 1999 and service was made upon the Defendant on November 1, 1999. An Amended Complaint was filed on March 9, 2000. An Answer to the Plaintiff's Amended Complaint was filed on April 4, 2000. 2. On or about June 19, 2000, the Plaintiff, by its attorney, served upon the Defendant, through its attorney, an original Request for Admissions addressed to the Defendant, and original Interrogatories addressed to the Defendant. A true and correct copy of said Request for Admissions and Interrogatories are attached hereto, made a part hereof, and marked Exhibit "A". 3. As of this date, the Defendant has failed to file its Answer to the Request for Admissions and Interrogatories within thirty (30) days after service as mandated by Pennsylvania Rule of Civil Procedure No. 4014. 4. In accordance with Pennsylvania Rule of Civil Procedure No. 4014, as a result of Defendant's failure to respond and answer the Request for Admissions, all of the Request for Admissions are deemed admitted. 5. There are not genuine issues as to any material fact and the Plaintiff is entitled to Judgment as a matter of law. 6. The Defendant, by its failure to answer the Request for Admissions, admitted its obligation to the Plaintiff and admitted there are no facts upon which it relied as a basis for any defense in this action. WHEREFORE, Plaintiff prays that the Court enter Summary Judgment in its favor and against the Defendant in the amount of $3,418.55 plus interest at the contract rate of 6.00% from September 30, 1999, plus attorney's fees of $683.000 and costs of this action. PARK LAW ASSOCIATES, P.C. BY: vALER E ROSENBLUM PARK, ESQUIRE ATTORNEY FOR PLAINTIFF , r VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 E. State Street Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF PROVIDIAN NATIONAL BANK Plaintiff VS. SUE ELLEN YIENGST Defendant CUMBERLAND COUNTY COURT OF COMMON PLEAS NO. 99-6411 Civil PLAINTIFF'S REQUEST FOR ADMISSIONS AND ACCOMPANYING INTERROGATORY TO DEFENDANT TO: Sue Ellen Yiengst C/O James M. Bach 352 South Sporting Hill Road Mechanicsburg, PA 17055 Pursuant to Pennsylvania Rule of Civil Procedure No. 4014, the undersigned attorneys for Providian National Bank hereby request that Sue Ellen Yiengst make the following admissions within thirty (30) days after service, for the purpose of this action only is subject to all pertinent objections as to relevancy: Admit to the truth of each of the matters set forth in the Request for Admission included herein; make a written response, sign the same, swear to it, and deliver it to the attorney for Plaintiff herein within thirty (30) days after the date of the service. the YOU ARE INSTRUCTED: 1. These Requests for Admissions and accompanying Interrogatory are directed to the Defendant, its/his/her officers, employees, agents, servants, assigns, representatives, past and present, and unless privilege is claimed, each and every attorney, past and present, of each and every such individual or entity. As used herein, "Defendant," "you" and "your" means the Defendant to which these Requests for Admissions and accompanying Interrogatory are addressed, its/his/her officers, employees, agents, servants, assigns, representatives, past and present, and unless privilege is claimed, each and every attorney, past and present, of each and every such individual or entity. 2. These Requests for Admissions and accompanying Interrogatory encompass all information, documents and records that are in the possession, control, or custody of Defendant or any of its officers, employees, agents, servants, attorneys and assigns. 3. If any objections are made to any Request for Admissions or to the accompany Interrogatory, the reasons therefore shall be stated. 4. If there is any claim or privilege relating to any request to admit, or Interrogatory, you shall set forth fully the basis for the claim of privilege, including the facts upon which you rely to support the claim of privilege in sufficient detail to permit the Court to rule on the propriety of the privilege. 5. If your response to any request if not an unqualified admission, your answer shall specifically deny the matter or set forth in detail the reasons why you cannot truthfully admit or deny the matter. 6. A denial shall fairly meet the substance of the requested admission, and when good faith requires that you qualify your answer or deny only a part of the matter of which an admission is requested, you should specify so much of it as is true and qualify or deny the remainder. 7. You may not give lack of information or knowledge as a reason for failure to admit or deny, unless you state that you have made reasonable inquiry and that the information known to you or readily obtainable by you is insufficient to enable you to admit or deny. a. These Request for Admission and Interrogatory are continuous in nature and must be supplemented promptly if Defendant obtains or learns further or different information between the date of the response and the time of trial by which Defendant knows that previous response was incorrect when made, or though correct when made, is no longer true. 9. Unless otherwise indicated, the time period to which these Requests for Admission and Interrogatory are directed is from the date of the account opening through the present. 10. This Request seeks the admission of the genuineness of various documents. In some cases, there are printed number and letter codes that run along the bottom of particular documents. In other cases, the word "evidence" and other identification marks may be affixed to the document. Such numbers, letters and identifying words were affixed to the document. Such numbers, letters and identifying words were affixed during the accumulation and copying of the documents for this case and are not to be considered part of the document itself, except for purposes of referencing the document. The Request does not seek Defendant's admission regarding the accuracy and genuineness of those numbers and letters, but only the document on which those numbers and letters have been placed. 11. If you are held or are sued in more than one capacity, or if your answer would be different if answered in any different capacity such as a partner, an agent, corporate officer/director, or the like, then you are required to answer separately in each such capacity. Further that pursuant to Pennsylvania Rule of Civil Procedure No. 419, if at Trial or during Hearing, a party who has requested Admissions as authorized proves the matter which the other party has failed to admit as requested, the Court on Motion, may enter an Order passing as costs against the other priority, the reasonable expenses incurred in making such a proof, including attorney's fees. DEFINITIONS: 1. All verbs are intended to include all tenses. 2. References to the singular are intended to include the plural and vice-versa. 3. "Any" as well as "all" shall be construed to mean "each and every." 4. "And" as well as "or" shall be construed disjunctively as well as conjunctively, as necessary, in order to bring within the scope of these requests all information that might otherwise be construed to be outside their scope. 5. "Refer to" or "relate to" means constituting, defining, describing, discussing, involving, concerning, containing, embodying, reflecting identifying, stating, analyzing, mentioning, responding to, referring to, dealing with, commenting upon, or in any way pertaining to. REQUEST FOR ADMISSIONS 1. Do you admit that you applied for and received a MasterCard credit card from First Union Direct Bank, N.A.? 2. Do you admit that you were assigned an account number of 5228 1300 1282 5543 from First Union Direct Bank, N.A. on your MasterCard credit card? 3. Do you admit that account number 5228 1300 1282 5543 was assigned to Providian National Bank in accordance with the officer's Certificate and Assignment attached hereto, made a part hereof, and marked Exhibit "P-111? 4. Do you admit that after the account was assigned you received the Providian National Bank Account Agreement, a true and correct copy of which is attached hereto, made a part hereof, and marked Exhibit "P-211? 5. Do you admit that you have a current balance owed on the account in the amount of $4,325.16, which includes interest, attorney's fees, and court costs as of June 17, 2000? 6. Do you admit that there are no offsets or credits which are due to you from the Plaintiff since September 30, 19997 7. Do you admit that you agreed to pay the collection cost the Plaintiff is incurring or will incur including, but not limited to, reasonable attorney's fees and court costs as more particularly set forth in Paragraph 3 of Providian National Bank Account Agreement (Exhibit "P-2" attached hereto)? 8. Do you admit that $683.00 is equal to 201 or less of the outstanding balance and is a reasonable attorney's fee to effectuate collection of the past due balance? 9. Do you admit that there are no facts on which you rely as a basis for any defense in this action? 10. Do you admit that there are no documents, writings, papers, or letters which you intend to utilize as evidence of or as a basis for any defense in this action? 11. Do you admit that you have not paid Plaintiff any payments since September 30, 1999? 12. Do you admit that you agreed to pay a finance charge to Plaintiff pursuant to the Providian National Bank Account Agreement? 13. Do you admit that attached hereto, made a part hereof, and marked collectively Exhibit "P-3" are true and correct copies of the records of the Plaintiff showing cash advance, charges and credits incurred through your use of the MasterCard Account issued to you? 14. Do you admit that each of the documents attached as Exhibits to these Requests for Admission and as attached to the Complaint is a true and correct copy of the original documents and is admitted as being genuine and authentic. 15. Do you admit that to each document identified above as an Exhibit is a business record of the Plaintiff for the purpose of its admission into evidence at the Trial of this action? PARK LAW ASSOCIATES, P.C. BY: V ERIE ROSENBLUTH PARK, ESQ. Attorney for Plaintiff I understand that false statements made herein are subject to the penalties of 18 Pa.C.S., 54904, relating to unsworn falsification to authorities. Sue Ellen Yiengst, Defendant Pursuant to the Fair Debt Collection Practices Act, it is required that we state the following to you: This is an attempt to collect a debt. Any information obtained will be used for that purpose. OFFICER'S CERTIFICATE PROVIDIA 44 NATIONAL BANK ACCOUNT NOIBER: 549748554072.5769 ACCOUNTHOLDER NAME: SUELLEN YEENCST In my capacity as operations Officer of Providian National Bank I hereby certify the following: 1. In accordance with the Credit Card Purchase and Sale Agreement dated March 31, 1998, between First Union Direct Bank, N.A. ("Seller") and Providian National Bank ("Buyer") (the "Agreement"), Seller did convey all of its right, title, and interest in a portfolio of credit accounts (the "Accounts"). 2. Attached hereto is a true and correct copy of Exhibit I of the Agreement, which is the document evidencing the actual assignment of the accounts from Seller to Buyer. 3. The following account was among the accounts assigned pursuant to Exhibit I of the Agreement: First Union Direct Bank Account Number: 5218-1300-1281-4543 Customer Name: c"t' r EN ` IENGST 4. The outstanding balance of the SUELLEN YIENGST Account was accurately transferred from the Seller to the Buyer. The balance as of the most recent Providian National Bank statement (dated November 29, 1999) was 53452.41. By: Ia ' L. Holland Title: Operations Officer o- F"-1=1 i 1 • ACC1Cl NImkm T FOR VALUE RECEIVED, First Union Direct Bank, N.A. ( !ler") does hereby sell, assion, transfer and convey to Fmyidian National Bank ("Buyer") as of May 1, 1998 all of Seller's rights, title and interest in and to all of fc•ilowing assets and acree_mants (collectively, the "Assats"): (i) All Accounts; (ii) All Accounts .Receivable; (iii) All Account Records; ()v) All Cardholder AareeMents; (v) . Cardholder List; (vi) Interchange Fees; and _ (vii) Unearned,Ahriual Fee Income. In aCCpfdaRCe with the Cradit Card Forfoiic Furchase a d tale ACreerne. C3 dated as of Marc , ] 1 , 1 SSE be-n le_n Se;ier and Euyer (the Agreement"), Seller hereby conveys to EUver cccc and maixa:a=sa t:t!e to ail of Assets, free and clear of any and all Liens. This Assignment is made pursuant to, and capitalized tarims not otherwise defined herein shall have the mcanine se: forth in, the F.-,chase A,creement and this Assionment shall be governed by such Purchase Agreement. 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J 3 Y3? 9,1j?? ti3• ]y<3_z 7-? ux.g??.:y x•-:u'1?=]=].1a ,41=4 -'_?Y 3y i.30 V 3U 9, ._ _. _ u_:? _3. .] x vs .? __ T 3 L u YYy? X3,3 x3 ygr a=?u7Y",3: w'wi §u'YZ w:j3•d??,.?'?_3 u3 a.3?-u Yz"<???3?F r'x ygg3 eY ? ?uf ° ?i r g _i i?'i 3?_{•,i §uy Yy i=.d .9yr.'i3 ! ?y?$Y i?U 3y?^u33=„I`i?"y337Y-*?7',?3a>??K?.3 I ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT 5497-4855-0072-5769 AUG 04, 1999 5532 .22 SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Page I of t 000000 MASTERCARD 5497485500725769005322203179220 The boloncs on your first Union account has been transferred to Provldion. Plow use the enclosed anvoloPe to sand in your next Payment. AMOUNT ENCLOSED Atka Checks Psyeble To Provldlan Welcome to Providianl Please read the enclosed brochure carefully for Important Information about your new statement. MESSAGES FROM MASTERCARD YOUR MINIMUM PAYMENT INCLUDES ANY OVERLIMIT AND PAST DUE AMOUNTS. PLEASE REMIT IMMEDIATELY. ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE $3.179.22 Previous Balance $3,087,16 1-800-944-7344 Credit Una S3,0DD cndua o0 Avallable Credit $00 Payments • • ,00 Account Number 3197 48SS 0072 5759 Minimum Payment S=22 Purchases J< Payment Ow Oat* OalO4196 other Charges .00 + Cash Advances .00 Average ANNUAL Dally at,r.wni Om + FINANCE CHARGE 63.06 Type of Balance Dally PE RCENTAGE Periodic 07110198 + Late Charge 29.00 Balance RATE Rate a NEW BALANCE 53,179.72 Purchase $7,087.15 2330% .0530%0 32 Days In Cash Advance Soo 2330% .0638%0 Bllting CYele 206161000 1525 A532 PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! EXHIBIT 1 ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED 5497-4855-0072-5769 AUG31,1998 5687.m Mssa COae4a Peyede To Provtdtan SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURO PA 17055-7326 Page 1 at 1 000000 MASTERCARD 5447485500725769006875103262510 ----------------------------------------------------------------------------- MESSAGES FROM MASTERCARD YOUR ACCOUNTIS SIGNIFICANTLY PAST DUE TO PREVENT YOUR ACCOUNT FROMANY FURTHER DELINQUENCIES, FURTHER CREDIT DAMAGE, POSSIBLE REFERRALOFYOUR ACCOUNT FOR FURTHER COLLECTION ACTION OR FROM CHARGING OFFAS A BAD DEBT, PLEASE CALL US AT 1 11100 753 111112 IMMEDIATELY. ACCOUNTSUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEN BALANCE 53162.51 Previous Balance $3,17922 1-800-944-7344 Credit Una 53,000 Credits c redits o0 Available Credil Soo • C ,00 Account Number 5497 4833 0072 3769 Minimum Payment $587.31 t Purchases 1 Payment Due Date D8731796 other Charges .00 t Cash Advances •00 Average ANNUAL Daily 61414eenl0ale + FINANCE CHARGE 5419 Type of Balance Daily PERCENTAGE Periodic 06/08790 + Late Charge 29.00 Balance RATE Rate a NEW BALANCE $3162.31 Purchase $3.150.12 23.70% .01138%' 27 Days in Cash Advance $.Do 23.30: .0638% BUIIn9Cyale 260151000 1525 ^372 PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT (AMOUNT ENCLOSED 5497-4855-0072-5769 SEP 2D, 1908 381980 IS Make Checks Payable To ProYklkln SUELLEN YIENGST 6218 WALLINGFORD WAY MECNANICSBURG PA 17055-7326 Page 1 o11 400000 110 MASTERCARD 5497485500725769008198303321830 ------------------------------------------------------------------------------- ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance $3,282.81 1-800.944-7344 NEW BALANCE Credit Uns $3,321.87 $3,000 • Cndlla ,00 Available Credit Soo • Payments t Purchases i .00 Account Number SW 4838 0072 5789 Minimum Payment 5819.83 Payment Ow Oale 09R9I9B other Charges ,00 . t Cash Advances .00 Average ANNUAL Daily 8lakam 11101116 t FINANCE CHARGE 89]2 Type of Balance Daily PERCENTAGE Periodic 09104198 t Lals Charge .OD Balance RATE Rate a NEW BALANCE 53.321.83 Purchase $7,204.48 27.30: .0638%. 29 Days In Cash Advance 5.00 21.90% .0800% BIOInOCyels 28ololuw 1a33 111 2 PROVIOIAN NATIONAL BANK We appreciate your business. Thank You! r? a t 62, R't, 4 ACCOUNT NUMBER 5497-4855-0072-5769 PAYMENT DUE DATE MINIMUM PAYMENT ^AMOUNT ENCLOSED OCT 23, 1990 5944.20 t-? MJe Choke Prya0le To Provarn SUELLEN YIENOST 6218 WALLINGFORD WAY MECNANICSBURO PA 17055-7326 Page I at I ooaoaa 220 MASTERCARD 5497485500725769009442003372200 ACCOUNTSUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE (337220 Previous Balance 53,32793 1.800-944-7844 Credit Line :3.000 • Credits .00 Avalla0le Credit 500 • Payments •00 Account Number 5497 4055 0072 5709 Minimum Payment 594230 t Purehases i Payment Due Dale 10123198 es Char th 00 g er o t Cash Advances . .00 Average ANNUAL Daily Statement Der t FlNANCECHARGE 50.37 Type of Balance Dally PERCENTAGE Periodic 09425195 t Late Charge .00 Balance RATE Rate a NEW BALANCE $3,372.20 Purchase $3,207.113 23.30% .06311%* 22 Days in Cash Advance 5.00 21.90% .0500% Btalna Cyals -Orr ?•ees AM$ may s( a9nna0000 1525 1525 PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT 5497-4855-0072-5769 Nov 27,t99e st,oe5.42 SUELLEN YIENGST 6218 WALLINGFORD NAY MECHANICSBURG PA 17055-7326 Page 1 of 1 tloaoo4 it4 MASTERCARD 5497485500725769010864203438420 AMOUNT ENCLOSED Mate Cheeks Payable To Provldlan ACCOUNTSUMMARY CUSTOMER SERVICE PHONE NUMBER PAYM ENT INFORMATION Previous Balance $7,77220 1-800-944-7344 NEW BALANCE Credit Une S3,41W.42 $7 000 Credits .OD Available Credit , SOO • Payments + Purchases tl ,00 Account Number 5497 4853 0072 5768 Minimum Payment 31,0110.42 other Charges ,00 Payment Ow Date 1ti27198 + Cash Advanns + 117NANCE CHARGE •00 6822 Average ANNUAL Daily et¦enent Oats + Late Charge .00 Type of Balance Daily PERCENTAGE Periodic 10129198 as NEW BALANCE $7,478.42 Balance RATE Rate V Purchase f7,748.03 2].]0,. .0838 .. 31 Days to Cash Advance $.00 21.90% .0800% 8101ng Cycle 280000000 1825 1325 PROVIDIAN NATIONAL BANK •C" rreo. we may .7 We appreciate your business. Thank You! ACCOUNT NUMBER 5497-4855-0072-5769 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED DEC 22, 1908 $1,226.56 S ' Llaka Checks Payable to ProvkPan SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Page I of I ocooco no MASTERCARD 5497485500725769012265603501560 ACCOUNTSUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Prevlow Balance 57,476.42 1,800,94,4^73 CNEW redit Line fJ S7 000 • Credits AO Available Credit , $oo • Payments + Purchases i .00 Account Number 3497 4835 0072 5769 Minimum Payment 111,228.38 other Charges ,00 Payment Due Dala 121122/98 + Cash Advances + FINANCE CHARGE •00 W.14 Average ANNUAL Daily SLlarrenl Dab Late Charge harge + .00 Typo of Balance Daily PERCENTAGE Periodic 11127/98 = NEW BALANCE $] 501.56 Balance RATE Rate , Purchase $7,419.74 23.30% .06]6X• 29Days In Cash Advance $.Do 21.90% .0600% Bl0lrptycle 730uuuuuu 1? 2 ]"a PROVIDIAN NATIONAL BANK • ..ter ..?. ,?. mn..r We appreciate your business. Thank You! ACCOUNT NUMBER 5497-4855-0072-5769 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED JAN 24, 1900 - f1,37B.05 ?? Make Ch.eta Payable To Plevldlan SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURO PA 17055-7326 Page 1 of 1 ocom m MASTERCARD 5497485500725769013780503574050 ---------------- -------- - -------------------------- CUSTOMER SERVICE PHONE NUMBER -------- ORMATION 57405 I eAU A000UNTSUMMARY N CE NEW $3 Previous Balance $3,501.58 1-800-944-7344 credit Line S3,000 • credits .00 '00 5497 40SS 0072 5769 Available Creel Minimum Payment 11,770,03 • Payment tx • Account Number Payment Due Date 01124= i Purcha other charges .00 •00 Average ANNUAL Dally stals"M Dar t Cash Advances + FINANCE CHARGE 72.E Type of Balance Daily PERCENTAGE Periodic 12/06/98 + Late charge 05 574 $3 Balance 52 070 $3 RATE Rate 23.05% .0632 Y•- 27 Days In ss NEW BALANCE . . . . Purchase SAO 21.90% .0500X BIp4q Cye. Cash Advance 'dN ?M'•a. RYr Tar rn7 PROVIDIAN NATIONAL BANK We appr ci nkyour business. Youl ACCOUNT NUMBER 5497-4855-0072-5769 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT E4CLO$fD FE822, 18!19 f1,522.30 ?? Meka C'Wks Payable To Providlan SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Page t of t 000000 no MASTERCARD 5497485500725769015223003638300 ------------------------------------------------------------------------------- ACCOUNTSUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE S3,5=.30 Previous Belson $3,574.03 1-800-944-7344 Credit Una $3,000 • Credits C redits ,00 Available Cradt 100 • C ayment ,00 Account Number 5487 4858 0072 5769 Minimum Payment 51,522.30 + P Purchases i ase & Payment Due Data 02FZIM other charges ,00 + Cash Advances .00 Average ANNUAL Uly Staiamnt Data + RNANCE CHARGE 54.25 Type of Balance Dally PERCENTAGE Periodic 01128129 + Late Charge AD Balance RATE Rate NEW BALANCE 13,838.30 Purchase 53,548,68 22.80: .06257.- 29 Days In Cash Advance $.00 21.90% .0600% Bl8ing Cycle 200000DOU 1323 1=3 PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! ACCOUNT NUMBER 5497-485,5-0072-5769 PAYMENT DUE DATE MINIMUM PAYMENT (AMOUNT ENCLOSED MAR 22. 1tN9 $1.415.70 I i Male Checks PmyabW To Provktlen SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Page I of I oooobb i22 MASTERCARD 5497485500725769014157003560700 ACCOUNTSUMMARY CUSTOMER SERVICE PHONE NUMBER Nbrl I INFORMATION Previous Balance 50,008.00 1-800-944-7344 Credit Una S3. 03 • Credits .00 Available Credit f • Payments 100.00 Account Number 5497 48S5 0072 5789 Minimum Payment $1.415.70 3=199 t Purchases i Payment Due Date 0 00 other Charges + Cash Advances . .00 Average ANNUAL Daily Blalemenl bale + i7NANCECHARGE 22.40 Type of Balance Daily PERCENTAGE Periodic 01/25199 + Late Charge A NEW BALANCE .00 $0.580.70 Balance 06021 54 RATE Rate 800: .0164% 28 Days In , Purchase 00 $ 8.00: .0161% Blalng Cycle . Cash Advance PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! -Smooth Feed Sheets"' ACCOUNT NUMBER 5497-4855-0072-5769 Use template Fpr 5160 `1 . PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED APR 27, 1999 51,615 70 Atka Chack¦ PsYsbne To Pn,vldlan SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 MASTERCARD Page 1 of I a4acaa tzo 54974a5500725769014157003560700 --------- -------- --------------- CUSTOMER SERVICE PHONE NUMBER INFORMATION 70 NEWBALA A000UNTSUMMARY N $3560. Previous Balance 37,56070 1-800-944-7344 Credit Una .$7,000 $00 . Crediu redits •00 00 5497 4835 0072 3169 AVa9abte Credit Minimum Payment $1,015.70 . Payments • Account Number Payment Ow Data 04127!89 t Purchases i other Charges t Cash Advances .00 .00 Average ANNUAL Dally Statement Date 07129199 + FINANCE CHARGE •Do Type of Balance Dally PERCENTAGE Periodic t + Late Charge •00 Balance a RATE Ra 0000% 00% 32 a e NEW BALANCE 37,560.70 3 00 Purchase . ' 0000': 00 % CYc'• enn9 f.W Cash Advance . , PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! ACCOUNT NUMBER PAYMENT OUE DATE MINIMUM PAYMENT NT ENCLOSED MOU A 5497-4855-0072-5769 MAY24,1990 $1,415.70 - rAS- ? L ' . Mass Cheats Payable To PmVIdLn SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Psge I of I 4WOa0 224 MASTERCARD 5497485500725769014157003560700 ------------------------------------------------------------------------------- ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE 33,560.70 Previous Balance $3,560.70 1-800-944-7344 Creels Una 53,000 Credits .00 Available Credit $0o • Payments Pa a ment , 00 Account Number 5497 4653 0072 5760 Minimum Payment $1,418.70 i t Purchases Payment Due Date 0=41111) other Charges ,00 t Cash Advances oa Average ANNUAL Daily statement Dad t RNANCECHARGE :00 Type of Balance Daily PERCENTAGE Periodic 04129/99 t Late Charge Balance RATE Rate NEW BALANCE $3.550.70 Purchase $.00 .00% DOW% 31 Days in Cash Advance 3.00 .00% .0000% Blsing Cysts 200ouuuw 1a a ]"a PROVIDIAN NATIONAL BANK We appreciate your business. Thank Youl ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED ' JUN 2T. 1D09 m``d•? K : = 5497-4855-0072-5769 Malu CMe1e Paysde To Pievidlen SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Page 1 at I 000001) T" MASTERCARD 54 97485500725769008550003560700 - --------------- ----------- ---------------- ------- ----------------------------- CUSTOMER CUSTOMER SERVICE PHONE NUMBER N? ENT IN ORMATION SO Sw.7o ACCOUNTSUMMARY B previous Balance 52.560]0 1-800-944-7344 credit Line Available Credll S00 • Credits • Payments ,00 .00 Account Num6ar Sao? 4856 0072 5769 Minimum Payment payment Due Oats S666.w O6/22f99 t purchases i oter charge s h ances Ad '? .00 Avenge ANNUAL DdIY Slarmant Om p5f26f99 v t cash + FINANCE CHARGE •00 Type of Balance Dally PERCENTAGE Pep odlc RATE + late charge N Balance 70 Soo 580 30 .w : ODWY. 29 Days In l ALANCE as KW . , Purchase 5.00 .00% .0000% e alutngcyo Cash Advance t PROVIDIAN NATIONAL BANK We appreciate your business. Thank Youl ACCOUNT NUMBER 5497-4855-0072-5769 AMOUNT ENCLOSED F-?- ? Mrha Cheota Psymble To Pravidlan PAYMENT DUE DATE MINIMUM PAYMENT JUL44, 1999 f7,36T.04 SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Page 1 at I 000000 MASTERCARD 5497485500725769035670403567040 ACCOUNTSUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMA NEW BALANCE Previous Balance $7,360.70 1-800.280.0559 creel Line . Chats .o0 Available • Payments DD Account Number 3497 4635 0074 37W Minim Payment Paymenm t Payment Purchases i t Payment Ow Date Charges .00 t Cash Advances Do Average ANNUAL Dally + FINANCE CHARGE 6.74 Type of Balance Daily PERCENTAGE Periodic t Late Charge .00 Balance RATE Rate as NEW BALANCE 117,667.04 Purchase $1,204.92 6.00% .0164% Cash Advance $.Do 6.00% .0164% $7¢67.04 117,000 Soo $7,367,04 07!2449 03779199 32 Days In 0141n9 cYate THIS IS AN ATTEMPT TO COLLECT A DEBT, ANY INFORMATION OBTAINED WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. PROVIDIAN NATIONAL BANK Access to credit is essential In today's world. Bringing your Providian account to PAID status would be an important step toward Improving your credit record and restoring your access to credit. I . ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED 5497-4855-0072-5769 AuG oa, t99e•?-? Make Cheats Paysb1m To ProvIdlen SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Psge 1 at 1 000700 MASTERCARD welcome to Pravidlonl Please read the enclosed brochure carefully for important information about your new statement. 5497485500725769005322203179220 envelope to send h in your next been transferred to Providian. The an your Please use balance the enclosed First Union account Plea YOUR MINIMUM PAYMENT INCLUDES ANY OVEOIIINITYAND PAST DUE AMOUNTS. PLEASE REMIT Previous Balance • Credits • Payments t Purchase other Charge + Cash Advance + FINANCE CHARGE + Late Charge as NEW BALANCE $3,067.16 1-800-944-7344 00 .00 I Account Number 3497 4833 0072 3769 00 .00 Average 63.05 Type of Balance Daily 63.05 Balance $3.17922 Purchase $3,087.13 Cash Advance 700 2 PAYMENT INFORMATION LANCE 11927 Una ?? le Credit Payment LIMInimum ?n nt Due Data OdMU96 ANNUAL Daily eutenmm Dew PERCENTAGE Periodic 07110196 RATE Rate 2320': 0638%. 72 Days In 2320% .0630%e 81111ng CYaw Pale may •err PROVIDIAN NATIONAL BANK We epprcia kyour business. Tha You! ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED 5497-4855-0072-5769 Aua 71, t99e sa6tsl Make Cnaeks Paysb a To Pmvlden SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Page t at t 0=00 MASTERCARD 5497485500725769006875103262510 MESSAGES FROM MASTERCARD YOUR ACCOUNT IS SIGNIFICANTLY PAST DUE TO PREVENT YOUR ACCOUNT FROM ANY FURTHER DELINQUENCIES, FURTHER CREDIT DAMAGE, POSSIBLE REFERRALOFYOUR ACCOUNT FOR FURTHER COLLECTION ACTION OR FROM CHA RGNG OFF AS A BAD DEBT, PLEASE CALL US AT 1 100 "381192 IMMEDIATELY. ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE $3,202 .51 Previous Balance 57.17922 1-800.944-7344 Credit Una 53.000 • Credits .00 Available Credit 500 • Payments .00 Account Number 5497 4635 0072 5769 Minimum Payment 5667.51 + Purchases & Payment Due Date 0al71/9B other charges .00 + Cash Advances .00 Average ANNUAL Daily Statement oats + 7.7NANCECHARGE 54 29 Type of Balance Daily PERCENTAGE Periodic 06106198 t Late Charge 28.00 Balance RATE Rate NEW BALANCE $3=.S1 Purchase 57.15012 27.70:: .06=%, 27 Days In Cash Advance $00 22.70': .0678 N. Bluing CyaV •ru. o pus. iV a mar rare 286151000 1323 ^a J PROVIDIAN NATIONAL BANK We appr cis kyour business. ACCOUNT NUMBER 5497-4855-0072-5769 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED SEP 29, 1990 3519.61 1J Mate CChocks Payataa To Provtdlan SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Page t at I 000000 770 MASTERCARD 5497485500725769008198303321830 ------------------------------------------------------------------------------- ACCOUNTSUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE 33,771.03 previous Balance $3,252.31 1$00.944-7344 Credit Una $3,000 • you .51 Available Credit 300 Pmynwnts • ,00 Account Number 5497 4853 0072 5759 Minimum Payment m1983 + Purchases i Payment Due Date 09x9195 other Charges .00 t Cash Advances .00 Average ANNUAL Daily Statement Dale t FINANCE CHARGE 59.37 Type of Balance Daily PERCENTAGE Periodic 09104/90 + Late Charge .00 Balance RATE Rate is NEW BALANCE 33,721.83 Purchase 37,204.40 23.30% .05711%, 29 Days In Cash Advance 5.00 21.90% OSW% at0ing Cyeta 2ta01010uu 1"a la{a PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED 5497-4855-0072-5769 ocru,taae sPa+so Wks Checks Payable To Pmvldlmn SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Page 1 of 1 000004 22a MASTERCARD 5497485500725769009442003372200 ------------------------------------- ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION NEW BALANCE $7,372.70 Previous Balance $7,321.0.7 1-800-944-7344 Credit Line $7,000 • Credlla redits ,00 Available Credit Soo Payments • • .00 Account Number 3497 4853 0072 5759 Minimum Payment $94410 i Purchases Payment Due Date 10/!7/98 other Charges .00 t Cash Advances ,00 Average ANNUAL Dally 3talmsnl fate t FlNANCECHARGE $0.77 Type of Balance Dally PERCENTAGE Periodic OW23l90 + Late Charge •00 Balance RATE Rate ss NEW BALANCE $7,77210 Purchase 53,237.87 23.30% .0378X' 24 Days In Cash Advance 5.00 21.90% .0500% 8131nacycle 230009uuu lass lava PROVIOIAN NATIONAL BANK We appreciate your business. Thank Youl ACCOUNT NUMBER 5497-4855-0072-5769 PAYMENT DUE DATE MINIMUM PAYMENT NOV Z7, 1900 51,086.42 SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Page 1 011 000000 M MASTERCARD AMOUNT ENCLOSED F Male Cracks Payable To Providlen 5497485500725769010864203438420 ------------------------------------------------------------------------------- ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER P"MENT INFORMATION NEW BALANCE b43e42 Previous Balance S7,37220 1-800-944-7344 Credit Uns $7,000 • Credits •00 Available Credit 500 • Payments .00 Account Number 5597 4833 0072 3789 Minimum Payment $1,088.44 t Purchases i Payment Due Date 11J22M other Charges .00 t Cash Advances .00 Average ANNUAL Dally 8121enent Date + f1NANCE CHARGE 88? Type of Balance Dally PERCENTAGE Periodic 10129198 + Late Charge Balance RATE Rah e NEW BALANCE $3,478.42 Purchase S3,346.05 27.30% .0838%' 41 Days In Cash Advance $.Do 21.90% .0800% Bluing Cyela •ffN n rwaY RYa mar em 2900000M l uz 1 wa PROVIDIAN NATIONAL BANK We appreciate your business. Youl • ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED. 5497-4855-0072-5769 DEC 441998 s1r.5.s0 ?? Make Checks Payable To Pmvldlan SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURO PA 17055-7326 Page 1 of I • obbooa m MASTERCARD 5497485500725769012265603501560 ----- -------- ------------------ CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION f, 5W 55 A000UNT SUMMARY NEW BALANCE Previous Balance (0.438.44 1-800-944-7344 Credit Une fD 000 ? 30 Available Credit • credits • Payments , .00 Account Number 5491 4853 0072 5799 Minbnum Payment Payment Due onto 31,448.50 14!27!98 + Purchases L other charges .00 00 Average ANNUAL Dally 8ulelreAt Dell + Cash Advances + RNANCECHARGE • 14 63 Type of Balance Daily PERCENTAGE Periodic R te 111127!98 + Late Charge : Balance a RATE 70% .0m%. 77 79 Drys In NEW BALANCE (0,501.58 Purchase 53,410.74 . 90: Dow% 71 Blaing Dycla Cash Advance 3.00 . -Oamr ae.ea flrla TN •nf PROVIDIAN NATIONAL BANK We appr cis kyour business. ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT EIICLO3:D 5497-4855-0072-5769 JAN 2419= $1,378 CS AWe Cheeks Psyetle To Provldlsn SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Page 1 of 1 000000 170 MASTERCARD 54974855007257691113780503574050 ------------------------------------------------------------------------------- ACCOUNTSUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance 37,301.58 1-800.944-7344 NEW BALANCE Credit Una $7,374.05 $7,000 cnau .00 Available Credit 300 • Payments , 00 Account Number $497 4655 0072 5769 Minimum Payment 31,77403 + Purchases 4 Payment Due Data 01/24190 other Charges .00 + Cash Advances .00 Average ANNUAL Dally 84klnenl Deis + FINANCE CHARGE 72.40 Typo of Balance Daily PERCENTAGE Periodic 72170/98 + Late Charge .00 Defence RATE Rate a NEW BALANCE 37,374,03 Purchase 57,478.52 27.05% .0072X- 23 Days In Cash Advance 5.00 21.90% .0600% 81aing Gyak. 7000u au laid Iwa PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! ACCOUNT NUMBER AMOUNT ENCL02E0 Is I Make Cheeps Payable To Pmvkllan 5497-4855-0072-5769 PAYMENT DUE DATE MINIMUM PAYMENT FEB 2z tt»9 s,,s72.w SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Page I of 1 000000 720 MASTERCARD 5497485500725769015223003638300 ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION Previous Balance f0,874.03 1-800-944-7344 CNEW redit Una NCE fJ,$3 0DD • Credits •00 Available Credit Soo • Payments t Purchases i .00 Account Number 8497 4838 0077 3759 Minimum Payment 21,827.70 other Charges ,00 Payment Ow Oale 02122l99 t Cash Advances + FINANCE CHARGE •00 64.25 Average ANNUAL Daily 311110mona Doh, + Late Charge .00 Type of Balance Daily PERCENTAGE Periodic O1128299 = NEW BALANCE S3,LM.70 Balance Purchase 53,848.88 RATE Rate 22.00% .0623'4- 29 Days In Cash Advance 1.00 21.90% ,0800% Bluing Cycle 2000UWOO la23 tali PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED 5497-4855-0072-5769 MAR 221!100 f1,a1s.70 Maya Cheeks "ble To Previdun SUELLEN YIENOST 6218 WALLINGFORD WAY MECHANICSBURO PA 17055-7326 Page I of t 000000 no MASTERCARD 5497485500725769014157003560700 ----------------------------------------------------------------------------- ACCOUNT SUMMARY CUSTOMER SERVICE PHONE NUMBER PAYMENT INFORMATION I NE NEW DENT Previous Balance 47.67620 1-800-944- Credit Line S3,000 • Credits •00 Available Credit $00 • Payments 100.00 Account Number 5407 4635 0072 5760 Minimum Payment $1,415.70 + Purdusas i Payment Due Dale 07ram other Charges .00 t Cash Advances .00 Average ANNUAL Daily 9atomeni Data t FINANCE CHARGE 22. 0 TyP. of Balance Dally PERCENTAGE Periodic 02125100 + VU Charge 0 Balance RATE Rate NEW BALANCE $7,560.70 Purchase $4,116621 600% .0164% 26 Days In Cash Advance $.00 6.00: .0164% Bluing Cyals 3eWa1YW 1i 2 1. . PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! ACCOUNT NUMBER PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCL0390 APR g3,1990 f/,415.70 ?? 5497-4855-0072-5769 Mau Cups PaYay. To Proddlan SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 MASTERCARD Page 1 at 1 Ocow 730 5497485500725769014157003560700 ------------------------------------------------------ o.nrd aWONE NUMBER P Previous Balance Credits . Payments + Purchases l other Charges + Cash Advances + FINANCE CHARGE + Late Charge a NEW BALANCE $3.56070 PACCOUnt .800-9447344 .00 .00 mber 5497 4655 OBM 3759 .00 .00 Aver age .00 m nee BalDaily ance $3.360.70 $.00 $.Do e PROVIDIAN NATIONAL BANK NEW BALANCE Credit Line Available Credit Mlydmum payment payment Out Bate ANNUAL Daily PERCENTAGE Periodic RA C .0000% .00% WW% $7.56070 $7.000 f00 $1.415.70 OW3190 0=9199 33 Days In Billing CYcls We appreciate your business. Thank Y01-11 ACCOUNT NUMBER 5497-4855-0072-5769 PAYMENT DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED NAY 24, 1990 51,41!.70 Make Cheeks P"oble To Provknan SUELLEN YIENGST 6218 WALLINGFORD WAY MECHANICSBURG PA 17055-7326 Page 1 at I 000000 220 MASTERCARD 5497485500725769014157003560700 ------------------------------------------------------------------• ACCOUNT SUMMARY Previous Balance • Credits • Payments t Purchases i S7,S60.70 •00 .00 CUSTOMER SERVICE PHONE NUMBER 1-800-944-7W Account Number 547 4833 0072 5759 NEW PAYMENT INFORMATION CrsdIt Line $3,000 Available Credl S00 Minimum Payment $1,413.70 Payment Due Date 0684199 s h 00 arge other C t Cash Advances + PINANCECHARGE t Late Charge n NEW BALANCE . .00 •00 .00 $7,360.70 Average ANNUAL Daily Type of Balance Dally PERCENTAGE Periodic' Balance RATE Rate Purchase S.00 .Oil% .0000% Cash Advance $.00 .Oil% .0000% 6rrr++n1 Dar 04/29199 21 Cava In Bluing Cycle PROVIDIAN NATIONAL BANK We appreciate your business. Thank You! VALERIE ROSENBLGiH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 E. State Street Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF PROVIDIAN NATIONAL BANK Plaintiff VS. SUE ELLEN YIENGST Defendant CUMBERLAND COUNTY COURT OF COMMON PLEAS NO. 99-6411 Civil INTERROGATORIES TO: Sue Ellen Yiengst C/O James M. Bach 352 South Sporting Hill Road Mechanicsburg, PA 17055 You are hereby required pursuant to Pennsylvania Rules of Civil Procedure No. 4005 and 4006 to answer the following Interrogatories under oath, within thirty (30) days after the service of the Interrogatories. These Interrogatories are deemed to be continuing so as to require further answers from now until the Trial without further notice if you learn further information called for herein in accordance with Pennsylvania Rule of Civil Procedure No. 4007. These Interrogatories are address to you as a part of this action and your answers shall be based upon the information known to you, your attorney or other representative. If you are held or sued in more than one capacity, or if your answer would be different if answered in any difference capacity such as partner, agent, corporate officer or director, or the like, then you are required to answer separately for each such capacity. Said Interrogatories refer to the answers which have been previously given in the Answer to the Request for Admissions, served contemporaneously herewith; each Interrogatory will refer to the numbered Request for Admission. DEFINITIONS: The term "you" and "your" when used herein, means Defendant, its agents, employees and representatives and all other persons acting or purporting to act on its behalf. The term "identify" when used herein in connection with natural persons, means to state their full names, titles, and job descriptions if applicable, and their present business and residence addresses, or their last known business and residence address. The term "Identify" when used herein in connection with documents, means to describe the document (e.g. letter, memorandum, telegram, etc.), setting forth its date, title, author, address, parties, the substance thereof, the number of pages thereof, the identity of all persons contributing to the preparation of the document, and the identity of all persons who have copies of that document. The term "documents" when used herein, means all original writings of any nature whatsoever, and all non-identical copies thereof, in your possession, custody or control, regardless of where located, and all other documents of which you have knowledge and includes, but is not limited to, contracts, agreements, correspondence, memoranda, internal and external reports, working papers, minutes of meetings, calendars, diaries, reports, bank records, checks and payment records, and all writings or documentary material of any nature whatsoever as defined by Pennsylvania Rules of Civil Procedure, together with all attachments thereto or enclosed therewith. In all cases where originals and/or non-identical copies are unavailable, "documents" also mean copies thereof. 1. If Request for Admission 1 is not admitted, state the facts known to you, direct or indirect, which you contend to be a basis for denial of Request for Admission 1. 2. If Request for Admission 2 is not admitted, state the facts known to you, direct or indirect, which you contend to be a basis for denial of Request for Admission 2. 3. If Request for Admission 3 is not admitted, state the facts known to you, direct or indirect, which you contend to be a basis for denial of Request for Admission 3. 4. If Request for Admission 4 is not admitted, state the facts known to you, direct or indirect, which you contend to be a basis for denial of Request for Admission 4. 5. If Request for Admission 5 is not admitted, state the facts known to you, direct or indirect, which you contend to be a basis for denial of Request for Admission S. 6. If Request for Admission 6 is not admitted, state the facts known to you, direct or indirect, which you contend to be a basis for denial'of Request for Admission 6. 7. If Request for Admission 7 is not admitted, state the facts known to you, direct or indirect, which you contend to be a basis for denial of Request for Admission 7. 8. If Request for Admission 8 is not admitted, state the facts known to you, direct or indirect, which you contend to be a basis for denial of Request for Admission 8. 9. If Request for Admission 9 is not admitted, state fully, completely and at length, each fact which constitutes the factual basis of such and every defense which you now assert or will assert in this action. Attach hereto copies of written memoranda which you intend to use as a basis for each and every defense which you may assert. 10. If Request for Admission 10 is not admitted, attach all documents, writings, papers or letters which were presented to you, your representative or attorney which you intend to utilize as evidence or as a basis for any defense in this matter. 11. If Request for Admission 11 is not admitted, state the facts known to you, direct or indirect, which you contend to be a basis for denial of Request for Admission 11. 12. If Request for Admission 12 is not admitted, state the facts known to you, direct or indirect, which you contend to be a basis for denial of Request for Admission 12. 13. If Request for Admission 13 is not admitted, state the facts known to you, direct or indirect, which you contend to be a basis for denial of Request for Admission'13. 14. If Request for Admission 14 is not admitted, state the facts known to you, direct or indirect, which you contend to be a basis for denial of Request for Admission 14. 15. If Request for Admission 15 is not admitted, state the facts known to you, direct or indirect, which you contend to be a basis for denial of Request for Admission 15. PARK LA AS OCIATES, P.C. BY: V I S$iGBLUTH PARK, ESQ. A torney for Plaintiff I understand that false statements made herein are subject to the penalties of 18 Pa.C.S., 54904, relating to unsworn falsification to authorities. Sue Ellen Yiengst, Defendant Pursuant to the Fair Debt Collection Practices Act, it is required that we state the following to you: This is an attempt to collect a debt. Any information obtained will be used for that purpose. VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 E. State Street Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF PROVIDIAN NATIONAL BANK Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS VS. SUE ELLEN YIENGST Defendant NO. 99-6411 Civil PLAINTIFF'S REQUEST FOR PRODUCTION OF DOCUMENTS TO: Sue Ellen Yiengst C/0 James M. Bach 352 South Sporting Hill Road Mechanicsburg, PA 17055 Pursuant to Pennsylvania Rule of Civil Procedure 4009, you are hereby requested to produce the below listed documents and/or items for the purpose of Discovery. This material will be examined and/or photocopied; photograph negatives will be processed and photographs reproduced. Said documents/tangible things are set to be produced at the time and at the place for such production set forth below. These requests are not directed merely to the person or party whose name appears above, but are meant to include that person's or party's agents, servants, insurers, employers, employees, investigators, attorneys, and others similarly situate to the named party or person. In addition, although the Request seeks these documents within the next thirty (30) days, the Request should also be deemed continuing, in that if there are further materials which come under the purview of any of these requests which are obtained after the time of their production presently, the materials'should also be furnished in accordance with this request. If any document required to be claimed by you to be no discoverable for any other reason, then: (1) each identified in your response by date, whom copies have been furnished, and the basis for the claim of privilege stated in your response. 3roduced by this Request is because it is privileged or such document should be sender, recipient, persons to the subject matter, and (2) or other reasons should be 1. The purpose of inspection is to aid the inquiring party in the preparation at the Trial of this case. 2. The items to be produced for inspection and photocopying are the following: (a) Ledgers, journals, canceled checks, invoices, cash books, credit memos, vouchers, .4nd checkbook stubs in Defendant's possession or control relating to any transaction between the Defendant and the Plaintiff from the date of the account opening to the present. (b) All original and copies of correspondence between the Defendant and the Plaintiff from the date of the account opening to the present. (c) All statements of account received by the Defendant from the Plaintiff from the date of the account opening to present. (d) All other memoranda, documents, papers and books in the possession or control of the Defendant relating to the sale or proposed sale of or payment for any merchandise to the Defendant by the Plaintiff from the date of the account opening to present. (e) All documents identified, consulted, referred to or relied upon by you in the preparation of your Answers to Plaintiff's Interrogatories and/or Requests for Admissions served contemporaneously herewith. 3. The entire investigation file or files (excluding reference to mental impression, conclusions or opinions representing the value of merit of the claim or defense or respecting strategy or tactics and privileged communication from counsel.) 4. All statements of any and all witnesses including any and all statements of Plaintiff's and Defendant's, their agents and employees. 5. All photographs and diagrams taken and/or prepared, together with any and all analyses made of any substances involved in this matter. 6. Any and all documents containing the names and home and business addresses of all individuals contacted as potential witnesses. 7. Reports of any and all experts who will testify at Trial. 8. Any and all documents, records, evidence and everything which may be introduced or upon which you intend to rely at Trial for use in direct examination, cross-examination and/or impeachment. The time and place for such production and inspection is July 24, 2000 at: The Law Offices of Park Law Associates, P.C. 25 East State Street Doylestown, PA 18901 PARK,LAW ASSOCIATES, P.C. DATED: June 19,.2000 BY: V RIE ROSENBLUTH PARK, ESQ. Attorney for Plaintiff Pursuant to the Fair Debt Collection Practices Act, it is required that we state the following to you: This is an attempt to collect a!.*debt. Any information obtained will be-:used for that purpose. COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND Valerie Rosenbluth Park, Esquire, being duly sworn according to law deposes and says that she is the attorney for the Defendant in the foregoing matter; that she is authorized to take this affidavit on its behalf; and that the facts contained in the foregoing Petition are true and correct to the best of her knowledge, information and belief. Valerie Rosenbluth Park, Esquire further understands that false statements made herein are subject to the penalties of 18 Pa.C.S., Section 4904, relating to unsworn falsification to authorities. Valerie Rosenbluth Park, Esquire VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 E. State Street Doylestown, PA 18901 (215) 348-5200 PROVIDIAN NATIONAL BANK Plaintiff VS. SUELLEN YIENGST Defendant CUMBERLAND COUNTY COURT OF COMMON PLEAS NO. 99-6411 CIVIL CERTIFICATE OF SERVICE Valerie Rosenbluth Park, Esquire certifies that she is the attorney for the above named Plaintiff in the instant action and that on February 22, 2002, she served a true and correct copy of the Praecipe for Listing Case for Argument, by mailing the same by U. S. Mail, postage paid, to the person and at the address set forth below: Attorney for Defendant James M. Bach, Esquire 352 South Sporting Hill Road Mechanicsburg, PA 17055 PARK LAW ASSO IATES, P.C. BY: V E R LUTH PARK, ESQUIRE ATTORNEY FOR PLAINTIFF ?Y?. C: C'7 N ?? ?:? Y?:: a- O y ?JC) ?'. lD N %_'?j? ?-.• W W ?? U , pw VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. # 72094 PARK LAW ASSOCIATES, P.C. 25 E. State Street Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF PROVIDIAN NATIONAL BANK Plaintiff . CUMBERLAND COUNTY . COURT OF COMMON PLEAS VS. SUE ELLEN YIENGST Defendant . NO. 99-6411 Civil CERTIFICATE OF SERVICE Valerie Rosenbluth Park, Esquire certifies that she is the attorney for the above named Plaintiff in the instant action and that on August 14, 2000, she served a true and correct copy of the Plaintiff's Motion for Summary Judgment and Memorandum of Law to Defendant by mailing the same by U.S. mail, postage paid, to the person and at the address set forth below: Attorney for Defendant James M. Bach 352 South Sporting Hill Road Mechanicsburg, PA 17055 PARK LAW SSOCIATES, P.C. 1 BY: VAL RIE ROSENBLUTH PARK ATTORNEY FOR PLAINTIFF ZC C' N U 2 i. It t VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 E. State Street Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF PROVIDIAN NATIONAL BANK Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS VS. SUE ELLEN YIENGST Defendant NO. 99-6411 Civil PLAINTIFF'S REQUEST FOR ADMISSIONS AND ACCOMPANYING INTERROGATORY TO DEFENDANT TO: Sue Ellen Yiengst C/O James M. Bach 352 South Sporting Hill Road Mechanicsburg, PA 17055 Pursuant to Pennsylvania Rule of Civil Procedure No. 4014, the undersigned attorneys for Providian National Bank hereby request that Sue Ellen Yiengst make the following admissions within thirty (30) days after service, for the purpose of this action only is subject to all pertinent objections as to relevancy: k, Admit to the truth of each of the matters set forth in the Request for Admission included herein; make a written response, sign the same, swear to it, and deliver it to the attorney for the Plaintiff herein within thirty (30) days after the date of the service. or the like, then you are required to answer separately in each such capacity. Further that pursuant to Pennsylvania Rule of Civil Procedure No. 419, if at Trial or during Hearing, a party who has requested Admissions as authorized proves the matter which the other party has failed to admit as requested, the Court on Motion, may enter an order passing as coats against the other priority, the reasonable expenses incurred in making such a proof, including attorney's fees. DEFINITIONS: 1. All verbs are intended to include all tenses. 2. References to the singular are intended to include the plural and vice-versa. 3. "Any" as well as "all" shall be construed to mean "each and every." 4. "And" as well as "or" shall be construed disjunctively as well as conjunctively, as necessary, in order to bring within the scope of these requests all information that might otherwise be construed to be outside their scope. S. "Refer to" or "relate to" means constituting, defining, describing, discussing, involving, concerning, containing, embodying, reflecting identifying, stating, analyzing, mentioning, responding to, referring to, dealing with, commenting upon, or in any way pertaining to. REQUEST FOR 1. Do you admit that you applied for and received a MasterCard credit card from First Union Direct Bank, N.A.? I DO NOT RECALL. 2. Do you admit that you were assigned an account number of 5228 1300 1282 5543 from First Union Direct Bank, N.A. on your MasterCard credit card? I DO NOT BELIEVE TNIS IS CORRECT. 3. Do you admit that account number 5228 1300 1282 5543 was assigned to Providian National Bank in accordance with the Officer's Certificate and Assignment attached hereto, made a part hereof, and marked Exhibit "P-1"? I DO NOT KNOW. 4. Do you admit that after the account was assigned you received the Providian National Bank Account Agreement, a true and correct copy of which is attached hereto, made a part hereof, and marked Exhibit "P-211? I AM NOT AWARE OF BANK'S AGREEMENTS. 5. Do you admit that you have a current balance owed on the account in the amount of $4,325.16, which includes interest, attorney's fees, and court costs as of June 17, 2000? NO. 6. Do you admit that there are no offsets or credits which are due to you from the Plaintiff since September 30, 1999? N0. 7. Do you admit that you agreed to pay the collection cost the Plaintiff is incurring or will incur including, but not limited to, reasonable attorney's fees and court costs as more particularly set forth in Paragraph 3 of Providian National Bank Account Agreement (Exhibit "P-2" attached hereto)? NO. 8. Do you admit that $683.00 is equal to 20% or lees of the outstanding balance and is a reasonable attorney's fee to effectuate collection of the past due balance? No. 9. Do you admit that there are no facts on which you rely as a basis for any defense in this action? NO. 10. Do you admit that there are no documents, writings, papers, or letters which you intend to utilize as evidence of or as a basis for any defense in this action? NO. 11. Do you admit that you have not paid Plaintiff any payments since September 30, 1999? NO. 12. Do you admit that you agreed to pay a finance charge to Plaintiff pursuant to the Providian National Bank Account Agreement? NO. 13. Do you admit that attached hereto, made a part hereof, and marked collectively Exhibit "P-3" are true and correct copies of the records of the Plaintiff showing cash advance, charges and credits incurred through your use of the MasterCard Account issued to you? NO. 14. Do you admit that each of the documents attached as Exhibits to these Requests for Admission and as attached to the Complaint is a true and correct copy of the original documents and is admitted as being genuine and authentic. NO. 15. Do you admit that to each document identified above as an Exhibit is a business record of the Plaintiff for the purpose of its admission into evidence at the Trial of this action? NO. BY: 40KIO 0? ES H. BACK ATTORNEY FOR DEFENDANT PARK LAW ASSOCIATES, P BY: VALERIE ROSENBLUTH PARK, ESQ. Attorney for Plaintiff 1') C.O 1 1ti 1.1 . ot) t. E3 u % 1 VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 E. State Street Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF PROVIDIAN NATIONAL BANK Plaintiff VS. SUE ELLEN YIENGST Defendant CUMBERLAND COUNTY COURT OF COMMON PLEAS NO. 99-6411 Civil A41swu4INTERROGATORIES TO: Sue Ellen Yiengst C/O James M. Bach 352 South Sporting Hill Road Mechanicsburg, PA 17055 You are hereby required pursuant to Pennsylvania Rules of Civil Procedure No. 4005 and 4006 to answer the following Interrogatories under oath, within thirty (30) days after the service of the Interrogatories. These Interrogatories are deemed to be continuing so as to require further answers from now until the Trial without further notice if you learn further information called for herein in accordance with Pennsylvania Rule of Civil Procedure No. 4007. These Interrogatories are address to you as a part of this action and your answers shall be based upon the information known to you, your attorney or other representative. documentary material of any nature whatsoever as defined by Pennsylvania Rules of Civil Procedure, together with all attachments thereto or enclosed therewith. In all cases where originals and/or non-identical copies are unavailable, "documents" also mean copies thereof. 1. If Request for Admission 1 is not admitted, state the facts known to you, direct or indirect, which you contend to be a basis for denial of Request for Admission 1. I CONTEST LIABILITY. 2. If Request for Admission 2 is not admitted, state the facts known to you, direct or indirect, which you contend to be a basis for denial of Request for Admission 2. I CONTEST LIABILITY. 3. If Request for Admission 3 is not admitted, state the facts known to you, direct or indirect, which you contend to be a basis for denial of Request for Admission 3. I CONTEST LIABILITY. 4. If Request for Admission 4 is not admitted, state the facts known to you, direct or indirect, which you contend to be a basis for denial of Request for Admission 4. I CONTEST LIABILITY. 5. If Request for Admission 5 is not admitted, state the facts known to you, direct or indirect, which you contend to be a basis for denial of Request for Admission 5. I CONTEST LIABILITY. 6. If Request for Admission 6 is not admitted, state the facts known to you, direct or indirect, which you contend to be a basis for denial of Request for Admission 6. I CONTEST LIABILITY. 7. If Request for Admission 7 is not admitted, state the facts known to you, direct or indirect, which you contend to be a basis for denial of Request for Admission 7. I CONTEST LIABILITY. B. If Request for Admission 8 is not admitted, state the facts known to you, direct or indirect, which you contend to be a basis for denial of Request for Admission 8. I CONTEST LIABILITY. 9. If Request for Admission 9 is not admitted, state fully, completely and at length, each fact which constitutes the factual basis of such and every defense which you now assert or will assert in this action. Attach hereto copies of written memoranda which you intend to use as a basis for each and every defense which you may assert. I CONTEST LIABILITY. 10. If Request for Admission 10 is not admitted, attach all documents, writings, papers or letters which were presented to you, your representative or attorney which you intend to utilize as evidence or as a basis for any defense in this matter. 11. If Request for Admission 11 is not TadmitLteAd,I state the facts known to you, direct or indirect, which you contend to be a basis for denial of Request for Admission 11. I CONTEST LIABILITY. 12. If Request for Admission 12 is not admitted, state the facts known to you, direct or indirect, which you contend to be a basis for denial of Request for Admission 12. I CONTEST LIABILTY. 13. If Request for Admission 13 is not admitted, state the facts known to you, direct or indirect, which you contend to be a basis for denial of Request for Admission 13. I CONTEST LIABILITY. 14. If Request for Admission 14 is not admitted, state the facts known to you, direct or indirect, which you contend to be a basis for denial of Request for Admission 14. I CONTEST LIABILITY. 15. If Request for Admission 15 is not admitted, state the facts known to you, direct or indirect, which you contend to be a basis for denial of Request for Admission 15. I CONTEST LIABILITY. by MES M. BACK ATTORNEY FOR DEFENDANT PROVIDIAN NATIONAL BANK, : IN THE COURT OF COMMON PLEAS OF Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA VS. SUELLEN YIENGST, Defendant 99-6411 CIVIL CIVIL ACTION - LAW IN RE: MOTION FOR SUMMARY JUDGMENT BEFORE BAYLEY AND HESS. J.J. ORDER AND NOW, this 2 7' day of March, 2002, the defendant having filed answers to the plaintiffs request for admissions which answers do not afford a basis for the entry of summary judgment, the motion of the plaintiff for summary judgment is DENIED. BY THE COURT, Valerie Rosenbluth Park, Esquire For the Plaintiff James Bach, Esquire For the Defendant Arn