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HomeMy WebLinkAbout07-4783IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. , FKA, MBNA AMERICA BANK, N.A. ~ No• O7 "'~~l 3 l: /G ~ 655 PAPER MILL ROAD DES-013-02-02 WILMINGTON DE 19884 Plaintiff :CIVIL ACTION -LAW vs TRACEY BOWERMASTER 207 SOUTHSIDE DR NEWVILLE PA 17241 Defendant(s) Filed on behalf of: Plaintiff, FIA CARD SERVICES, N.A. Counsel of record for this party: Date: Amy F. Do le #870 2 /Daniel F. Wo fson # 0617 Philip C. Warholic 86341 /David R. Galloway #87326 Tonilyn M. Chippie #87852 /Sarah E. Ehasz #86469 Robert N. Polar, Jr. #201259 /Bruce H. Cherkis #18837 Ronald S. Canter #94000 /Ronald M. Abramson #94266 Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff W&A File No. 173747339 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMEgICA BANK, N.A. Plaintiff vs TRACEY BOWERMASTER Defendant(s) NOTI E . No. CIVIL ACTION -LAW 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 or any other claim or relief requested by the Plaintiff. You may lose money or property 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 TQ OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 CCP Notice to Defend W&A File No. 173747339 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. Plaintiff vs TRACEY BOWERMASTER Defendant(s) NOTICIA No. CIVIL ACTION -LAW LISTED HA SIDO DEMANDADO/A EN LA COUTE. Si usted desea defender conta la demands puestas en las siguientes paginas, usted tienen que tomar accion dentro veinte (20) dias despues que esta Demands y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defensas o objeciones a las demandas puestas en esta contra usted. Usted es advertido que si falls de hacerlo el caso puede proceder sin usted y un juzgamiento puede ser entrado conta usted por la Corte sin mss aviso por cualquier dinero reclamado en is Demands o por cualquier otro reclamo o alivio solicitado por Demandante. Usted puede perder dinero o propiedad o otros derechos importante Para usted. LISTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI LISTED NO TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN ABOGADO. SI LISTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS. QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 CCP Notice to Defend W&A File No. 173747339 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. Plaintiff vs T.c~,.~ CIVIL ACTION -LAW TRACEY BOWERMASTER Defendant(s) COMPLAINT AND NOW, this 27 day of July, 2007, comes the Plaintiff, FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. , by and through its attorneys, the law firm of Wolpoff & Abramson, L.L.P., and files the within Complaint and in support avers as follows: 1. Plaintiff, FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. , is a National Banking Association organized under the National Banking Act with a principal place of business situated at 655 PAPER MILL ROAD DES-013-02-02, WILMINGTON, DE 19884. CCP Cmplt -MBNA wo AF 4 W & A File No. 173747339 2. Defendant, TRACEY BOWERMASTER, is an adult individual with a last known address of 207 SOUTHSIDE DR, NEWVILLE, CUMBERLAND COUNTY, PA 17241. 3. It is averred that Defendant was issued anopen-end credit account by Plaintiff. This account was created through a written contract between Plaintiff and Defendant, accepted by Defendant when he signed and utilized the credit card account. A true and correct copy of the Credit Card Agreement governing this account is attached hereto as Exhibit "A." 4. The Credit Card Agreement contains a binding Arbitration provision providing that any claim or dispute between Defendant and Plaintiffwould besubject to binding arbitration before the National Arbitration Forum (NAF). This Credit Card Agreement also recites that since the agreement involved an instrumentality of interstate commerce, that the Federal Arbitration Act, 9 U.S.C. §§1-16 (FAA) governed the Agreement and that following disposition through the NAF, judgment may be entered in any state court having jurisdiction. 5. At all relevant times material hereto, Defendant has been regular user of said charge card for the purchase of products, goods and/or for obtaining services and/or funds. 6. By virtue of Defendant's use and maintenance of this credit card in connection with his purchases of goods, and services, he became bound to all of its contractual terms, which clearly included an arbitration agreement. Therefore, there is a valid agreement to arbitrate and Defendant consented to the NAF having jurisdiction over this claim. 7. Defendant received monthly statements which accurately state all purchases and payments made during the month, interest charges imposed on the unpaid .balance, and the amount due. A summary of the account showing the balance due and owing is incorporated herein and marked as Exhibit "B". CCP Cmplt - MBNA wo AF w & A File No. 173747339 8. Defendant did not object to the summary of account. 9. Defendant has made sporadic and irregular payments, if any, which have been applied to the outstanding balance of this account. 10. As of the date of the within Complaint, the remaining balance due, owing and unpaid on Defendant's credit .account, as a result of charges made by said Defendant and/or any authorized users is the sum of $9,491.02. 11. Pursuant to the Credit Agreement and/or applicable Pennsylvania law, any unpaid and/or delinquent balances on said account shall continue to bear interest at the rate of 6 %. 12. The amount of interest which has accrued on the aforementioned account is the sum of $184.10. 13. Plaintiff has retained the services of the law firm of Wolpoff & Abramson, L.L.P. in the collection of the amount due from Defendant. 14. Despite reasonable and repeated demands for payment, Defendant has failed, refused and continues to refuse to pay all sums due and owing on the aforementioned account balance, all to the damage and detriment of the Plaintiff. 15. Any and all conditions precedent to the bringing of this action have been performed by Plaintiff. 16. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. CCP Cmplt - MBNA wo AF W & A File No. 173747339 WHEREFORE Plaintiff respectfully requests this Honorable Court enter judgment in favor of Plaintiff and against Defendant, in the amount of $9,491.D2, interest in the amount of $184.10, plus costs of this action and any other relief as this Court deems proper and just. Respectfully submitted, Date: ~ _ Amy F. Doyle #870 /Daniel F. Wolfson #2 61 Philip C. Warholic # 6341 /David R. Galloway #87326 Tonilyn M. Chippie #87852 /Sarah E. Ehasz #86469 Robert N. Polas, Jr. #20129 /Bruce H. Cherkis #18837 Ronald S. Canter #94000 /Ronald M. Abramson #94266 Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff CCP Cmplt - MBNA wo AF W & A File No. 173747339 VERIFICATION The undersigned hereby states that he/she is the attorney for the Plaintiff who is located outside of this jurisdiction and in order to file the within document in an expedient and timely manner, he/she is authorized to take this verification on behalf of said Plaintiff in the within action and verifies that the statements made in the foregoing Complaint are true and correct to the best of his/her knowledge, information, and belief, based upon information provided by the Plaintiff. The undersigned understands that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. Date: ~ b ~ •~ Amy F. Doyle #8 62 /Daniel F. Wolfson #2 Philip G Warhoh #86341 /David R. Galloway #87326 Tonilyn M. Chippie #87852 /Sarah E. Ehasz #86469 Robert N. Polas, Jr. #201259 /Bruce H. Cherkis #18837 Ronald S. Canter #94000 /Ronald M. Abramson #94266 Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle .Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff CCP Cmplt - MBNA wo AF W & A File No. 173747339 Exhibit "A" . • .~ . ~ ~ i ~ yy~~; -~a+a~,:i~ f±'t ~ ]~• ar_~ . `~ -•~w.r~`.?•' ~ L ,?~y.T'~om'•~' • . s . 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Q ~ ~~ s . s ~s . -~~ ~ ='g ~ s ~~ ~ ~ .~ ~~~~s ~~ ~ ~ ~~~~~ ~~ .~~ ~ ~~ ~ ~s~ •~ ~ .~~ ~s ~~~ ~ si~s~a~ ~ ~~~ ~ 8~ ~ ~ a ~~ _ w s~e ~~ ~.~ R .~ ~~E~~~ ~ ~~~~ ~$ ~~g~~~~~ ~~~ ~~ ~~~. ~ ~~~ ~# ~ ~ ~ s ~ . ~~ ~a ~ g~ -~ ~ ~~ . ~ ~ ~ ~ ~~~~ ~~ ~.~~~ . ~ ~~ ~~~ ~ $ ~~ ~~ ~~ . r . ~ f ~~~; ~g ~ ~l~~ ~~As~ ~~ r Fj ~fl~ ~ = i~'i~ ~ ~~~~#! ~ . ~~~~~ ~ ~ ~~~~~ ~~$ ~~~E~ ~'g~`~~ s~~ has ~ s ~ ~~~ ~ • ~~~' ~"8 g ~~ ~~ s: s ~ a _q ~ ~ ~ ~~ ~~ ~ ~ ~ ~ ~ ~ ~~ ~' . s ~ ~ s ~ Q~ s $$ 1' ~ « i . ~ _ ~. ~ ~ ~ ~~ ~ _ . s ~ - ~. ~ ~ ' s ~ ~~ s =- ~ ~ ~ ~ ~~~~ ~~ ~~~ .~ ~~ s ~ ~~ ~ ~ ~~~ ~ ~ ~ ~ ~~~~ ~ : ... , ...._. _ _ ._.:. __r... _...__ i is ~ i' ~ r r ~ ~~ ~ ~$~~ ~ ~~ ~ v s ~ ~~ ~ ~ ~ ~ .F~ ~ ~ 3~~~ ~ ~ ~ ~ ~~ ~ ~ ~ .. ~ ~ $~~ ~ gQ'~ Via= _~ ~~~ ~ ~~~~s~~A M;~g~- ~.. ~s~~3~a~~~$ ~~ ~~. ~ ~~ w ~ ~~~~ ~ e~ ~ ~ ~~ ~ ~ ~[ 3 ~a~ x~~ ~~ s . s. -~ i - - ~ . .• • ~ - ~ - - ' .- - ~ • - - r - ~ p. • ~ •' • ~ - ~ .. - - - ~ # - - ~ , Exhibit "B" CLIENT NO 001730 MBNA ACCT#4313027997499634 BALANCE -- 9,491.02 ****** PRIMARY DEBTOR ***** C/O DATE 03/30/07 LSTPY DT 07/08/06 *M-ACCT-NO *M-REC-TYPE*M-GUST-TYPE*M-LAST-NAME 4313027997499634 A I BOWERMA5TER *M-FIRST-NAME *M-ADDR-1 *M-ADDR-2 TRACEY 207 SOUTHSIDE DR *M-CITY *M-COUNTY *M-STATE*M-ZIP *M-HOME-PH NEWVILLE PA 172418910 7174867875 *M-WORK-PH *M-DOB *M-POE-NAME 08/13/65 *M-POE-ADDR *M-LOAN-TYPE*M-LENDING-OFFICER LV01 OV0001 *M-BANK-CODE*M-BRANCH-CODE*M-CALL-CODE*M-RECOVERER-CODE*M-DEALER-CODE LMMM *M-CO-RSN*M-ACCT-STATUS*M-INT-RATE*M-RECEIPT-DATE*M-CONTACT-DATE*M-CO-DATE 210 0000 11/17/06 ~ 04/03/03 03/30/07 *M-LAST-PYMT-DATE*M-CO-AMri' *M-ASSOC-COST*M-ACCRUED-INT*M-CUR-BAL 07/08/06 9,491.02 .00 1,446.57 10,937.59 *M-NET-PRIN *M-NET-COST *M-NET-INT *M-COMMENT-1 9,491.02 .00 1,446.57 AMM1A12345678 *M-COMMENT-2 20070403 *M-COMMENT-3 *M-COMMENT-DATE 04/03/07 *M-2ND-NAME *M-MONTHLY-INCOME*M-OTHER-INCOME 35.83 .00 *M-MONTHLY-PYMT*M-OTHER-PYMT*M-OWN-RENT-CODE*M-RECOVERY-SCORE*M-NEXT-PAY-DATE .00 .00 R 0676 *M-LAST-INT-DATE*M-LAST-CONTACT-DATE*M-COMM-RATE*M-HOME-PH-FLAG*M-WORK-PH-FLAG 0'000 N N *M-ADDR-FLAG*M-SSN *M-MIO*M-AGY-CODE N XXX-XX-4809 DB90 CL01 T` ! ~ ~ ~ O ._. J -r~ '~ _ __ - -n -r-, - V `V ..~ r1 I ~ ,. T _ C~Q -1Y. - __ ---t 3 _" La;i "~ SHERIFF'S RETURN - REGULAR CASE NO: 2007-04783 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND FIA CARD SERVICES NA VS BOWERMASTER TRACEY RICHARD SMITH Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law., says, the within COMPLAINT & NOTICE was served upon BOWERMASTER TRACEY the DEFENDANT at 1017:00 HOURS, on the 22nd day of August 2007 at 207 SOUTHSIDE DRIVE NEWVILLE, PA 17241 OWEN BOWERMASTER, HUSBAND by handing to a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Postage Surcharge ~)~(b~ ~. 18.00 9.60 .58 10.00 .00 38.18 So Answers: .,~ i~~s.~i'~''`r°r'~ R. Thomas Kline 08/23/2007 WOLPOFF & ABRAMSON By: De ty Sheriff A.D. Sworn and Subscibed to before me this day of r FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A., Plaintiff v. TRACEY BOWERMASTER, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA N0.2007 - 4783 CIVIL TERM CIVIL ACTION -LAW NOTICE TO PLEAD TO: Wolpoff & Abramson, LLP Philip C. Wazholic, Esquire 4660 Trindle Road, Suite 300 Camp Hill, Pennsylvania 17011 (717)303-6700 Counsel for Plaintiff You are hereby notified that you have twenty (20) days in which to plead to the enclosed Preliminary Objections of Defendant or a Default Judgment may be entered against you. O'BRIEN, BARK & SCHERER Robert J. Dailey, Esquire I.D. 203418 19 West South Street Cazlisle, PA 17013 (717) 249-6873 Date: September 19, 2007 Attorney for Defendant FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A., Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. TRACEY BOWERMASTER, Defendant N0.2007 - 4783 CIVIL TERM CIVIL ACTION -LAW DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT AND NOW, comes Defendant, Tracey Bowermaster, by and through her attorneys, O'BRIEN, BARK & SCHERER, and files the within Preliminary Objections and, in support thereof, sets forth the following: I. LACK OF JURISDICTION 1. A court must have jurisdiction in order to resolve a disputed matter. Pa.R.C.P. § 1028(a). 2. Plaintiff attached to its complaint an alleged Agreement that includes a forum selection clause that requires all disputes to be settled by the National Arbitration Forum or, in the alternative, in the State of Delaware. 3. Plaintiff, by its own election, has bound itself to settling all disputes in the National Arbitration Forum to the exclusion of all other courts of competent jurisdiction. 4. The alleged Agreement states in capital letters, "THE RESULT OF THIS ARBITRATION AGREEMETN IS THAT, EXCEPT AS PROVIDED ABOVE, CLAIMS CANNOT BE LITIGATED 1N COURT." 5. Plaintiff, it its complaint, avers that only after disposition of a claim through the NAF, may a court enter a judgment. There has been no disposition of this claim in the NAF. All conditions precedent to the bringing of this action in the Cumberland County Court of Common Pleas have not been performed by Plaintiff. Plaintiff must first obtain a judgment through the l NAF and then may seek to enforce the judgment through the courts according to the terms of the alleged Agreement. II. INSUFFICIENT SPECIFICITY OF PLEADING 6. Defendant incorporates by reference Paragraphs one (1) through five (5) as though set forth herein. 7. A party that bases its claim upon a writing must attach the writing or the material parts thereof. Pa.R.C.P. § 1019(1). Plaintiff has failed to attach the writing upon which it bases its claim. To the contrary, Plaintiff has merely attached general terms to a credit card agreement. 9. Although Plaintiff avers that Defendant signed the written contract, Plaintiff has failed to attach said contract to its complaint. 10. Without a contract naming, let alone binding Defendant, Plaintiff is without an enforceable claim. 11. Plaintiff has failed to state the alleged amount owed in a concise and summary form and instead, has attached an indecipherable Account Statement. 12. Plaintiff has failed to state the alleged time, place, items and costs associated with its claim with particularity as required by Pa.R.C.P. §1019(fj. P WHEREFORE, Defendant requests that her Preliminary Objections be sustained and Plaintiff s complaint be dismissed with prejudice. Respectfully submitted, O'BRIEN, BARK & SCHERER Robert J. Dailey, Esquire I.D. 203418 19 West South Street Carlisle, PA 17013 (717) 249-6873 Attorney for Defendant FIA CARD SERVICES, N.A. : IN THE COURT OF COMMON PLEAS OF FKA, MBNA AMERICA BANK, N.A., :CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff v N0.2007 - 4783 CIVIL TERM TRACEY BOWERMASTER, Defendant :CIVIL ACTION -LAW CERTIFICATE OF SERVICE I hereby certify that on September 19, 2007, I, Robert J. Dailey, Esquire, did serve a copy of Defendant's Preliminary Objections by first class, U.S. mail, postage prepaid, to the party listed below, as follows: Wolpoff & Abramson, LLP Philip C. Warholic, Esquire 4660 Trindle Road, Suite 300 Camp Hill, Pennsylvania 17011 (717) 303-6700 Counsel for Plaintiff Robert J. Dail y, sql ~"' ~y G ~~ ~ ~ ~ ~~ ~ ~ ~ G~' ~ ,~-~ '~" ~ d ~° G W rl IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. Plaintiff vs TRACEY BOWERMASTER Defendant(s) NOTICE No. 2007-4783 CIVIL ACTION -LAW 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 aze served, by entering a written appeazance 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 maybe entered against you by the Court without further notice for any money claimed or any other claim or relief requested by the Plaintiff. You may lose money or property 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 HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Baz Association 32 South Bedford Street Cazlisle, PA 17013 717-249-3166 CCP Notice to Defend W&A File No. 173747339 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. Plaintiff vs TRACEY BOWERMASTER Defendant(s) NOTICIA No. 2007-4783 CIVIL ACTION -LAW USTED HA SIDO DEMANDADO/A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes paginas, usted tienen que tomar acci6n dentro veinte (20) dias despues que esta Demanda y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defensas o objeciones a las demandas puestas en esta contra usted. Usted es advertido que si falls de hacerlo el caso puede proceder sin usted y un juzgamiento puede ser entrado conta usted por la Corte sin mss aviso por cualquier dinero reclamado en la Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. Usted puede perder dinero o propiedad o otros derechos importante pars usted. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED NO TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS. QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 CCP Notice to Defend W&A File No. 173747339 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. Plaintiff vs TRACEY BOWERMASTER Defendant(s) FIRST AMENDED .COMPLAINT No. 2007-4783 CIVIL ACTION -LAW AND NOW, comes Plaintiff FIA CARD SERVICES, N.A., by and through its attorneys, Wolpoff & Abramson, L.L.P., and files the within First Amended Complaint and in support avers as follows: 1. Plaintiff, FIA CARD SERVICES, N.A. formerly known as MBNA America Bank, N.A., is a National Banking Association organized under the National Banking Act with a principal place of business situated at 655 Paper Mill Rd, WII.MINGTON, DE 19884. 2. Defendant TRACEY BOWERMASTER is an adult individual with a last known address of 207 Southside Dr, Newville, Cumberland County, Pennsylvania. CCP Cmplt -MBNA wo AF 4 W & A File No. 173747339 3. On or about April 3, 2003, Plaintiff issued anopen-end credit account bearing account number XXXX XXXX XXXX 6496 (hereinafter "Account") to Defendant. The Account was created through a written contract between Plaintiff and Defendant, accepted by Defendant when she signed and utilized the Account. A true and correct copy of the Credit Card Agreement governing the Account (hereinafter "Agreement") is attached hereto as Exhibit "A." 4. At all relevant times material hereto, Defendant was a regular user of the Account for the purchase of products, goods and/or for obtaining services and/or funds. 5. By virtue of Defendant's use and maintenance of the Account, she became bound to all of its contractual terms. 6. Defendant received monthly statements which accurately stated all purchases and payments made during the month, interest charges imposed on the unpaid balance, and the amount due. Copies of monthly statements from May, 2003, through April, 2007, are attached hereto a~' Exhibit "B." 7. Defendant did not object to the accuracy of these monthly statements. 8. Defendant made sporadic and irregular payments, if any, which have been applied to the outstanding balance of the Account; Defendant's last payment was posted on July 8, 2006. 9. As of the date of the within Complaint, the remaining balance due, owing and unpaid on the Account, as a result of charges made by said Defendant and/or any authorized users is the sum of $9,491.02. 10. Pursuant to the Agreement and/or applicable Pennsylvania law, any unpaid and/or delinquent balances on said Account shall continue to bear interest at the rate of 6 %. 11. The amount of interest which has accrued on the Account is the sum of $354.15. CCP Cmplt - MBNA wo AF 5 W & A File No. 173747339 12. Despite reasonable and repeated demands for payment, Defendant has failed, refused and continues to refuse to pay all sums due and owing on the Account to the damage and detriment of Plaintiff. 13. Any and all conditions precedent to the bringing of this action have been performed by Plaintiff. 14. The amount in controversy is within the jurisdictional amount requiring compulsory azbitration. WHEREFORE Plaintiff respectfully requests this Honorable Court enter judgment in favor of Plaintiff and against Defendant, in the amount of $9,491.02, interest in the amount of $357.15, plus costs of this action and any other relief as this Court deems proper and just. Respectfully submitted, WOLPOFF & ABRAMSON, LLP Date: Attorney I.D.~87326 4660 Trindle oad, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6751 Counsel for Plaintiff CCP Cmplt - MBNA wo AF 6 W & A File No. 173747339 Exhibit "A" . . M, .~.'~ -~.. =' ~ ~- z *. ~ ~x • ' :~s ..:~ :~ .~~ ~ , s. s+ .~ f,.ve Ki ~ ; •+t y ~1 1 ..:. mss' , ~ t' ,~4 •~ ;~ f. ~ .~ r a .j. ~.•. ~~. My~ rf~ _ ,_ ~ ~~ ;:. r ;~- ~.~ .n s • ~« ~' ~~ ~~ ~~~ + • ~ l .t ~. ~'s ~..~ Y N .~~~ ~~~ E[!i~f i°tt~tt 3t~6r~~ i xieFl•°ii} t' geg~~~9~~~~alj~~~ ~t. 8~~~l~~E, ~k ~~a~r;l~i~~l #a1e ~ 'C }~tt ~~d~ ~~ tt¢ ' {r' ~ ~~~Fe~~~~! ~t~i~t~~p~r"[±1 3~~~~I~~i~i~~i y~~[biiy~~~i~~if{~~~~ }i~;g. ~~i~~~.~yl~y;f~~~c~ tf~~e ~P ~~g ~~~ ~~ !~ g! e 13i.rtq"~~`r;t{e}p1f~¢j ts.r~~ee ~ ~ i~•~p¢a ~~~~~f~~t~ ~j~f~~}[f~ f4p! 3~p:~V~fI~~ ti .~ ~- .,,.. :~. ~ ~. ~ . .a ~~ ~;~~ ~ ~ $_}~~~ . ~ ~~ ~~~~ a .$ ~ ~~~ ti ~~ ~~~~~1 4 ~ ~ at ~3~~~~a~ ~$~~s~ a Aft ~~i ~~~$~ ~ ~*~~ ~ T~ a~ ~~ ~~ s~~' ~ ~ ~ ~t~ ~~ ~~8 ._ ,~ ~e; its g~~ .~~~ ~ ~ 1~~, ~ ~~=~~t ~~~~=1 ::. ~ ~~t ;~ ~ ~ ~ ~ ~ ~ ~ ~ , i • i ~ ~ ~. a +~ ~. ~ ~ ~ ~~ ~ ~ ~ ~ ~~ $ ~ ~ ~~ ~ . ~~ ~ ~ ~,~~ . ~~ ~ _ ~~~i4 ~~~l~i ~~~~~. ~~~ ~~ ~~~~ ~ ~~ ~~ .. ~'~ ; ~ i ~ ~~ .~ ~ ~~ ~ '~ ~ ~ . ~ ~~ ~ ~ . ~ ~ ~ ~ • i i ~~ ^ ~ ~ . ~• ,~ - ~ ~~- ~~ ~ ~~~~ ~ ~ ~~s w~ ~ • ~ , .. ,~ ~ ~ ~ ~~ ~~~ ~~~ 18 ~~ s g ~~ ~, ~~ ~~ '~~` g ~, ~k=~ ~~~ ;~~, i i~~t~9 . tZ ~~1 ~~ ~~ ~ ~~ ~~ ~. ~ : ~'~ ~ r s ~r~. ~ ~~ ~ t~ ~ .: ~~` ~ : ~~~~ ~ ~ ~ ~~.~.~ ~ . ~ •~ ~~ . s ~ ~ * ~ ~~ . ~:~ ,~~ ~~ ..~_ ~ ~ ~ ~. ~ .~ ~ ~ ~~~. ~ ~ i~~ j ~~; -i ~~~~~ ~ i ;+;t ~$ 9 i 1~~i~ ~~ ~• ~~ ~~~~$ , ~ . t t'~ ~~~~~~ .~~~ ~+ ~ ~~~~ ~ gtl~~ ~ i si ~~ ~~ c~~ ~ ~~~ ~,~~ ~ ~~.~~ . ~~~ ~~~ ~ ~ ~ ~ ~ ._ ~ ~ ~ ~~~ ~ s ~ ~ ~ ~ s~~ ~ ~~ ~~ ~~s~ ~~ ~ ; a ~~ ~3~~ ~~ g - p ~.~ ~~~ ~~ ~3~.,~, ~~ ~~ ~a ~~~ ~ ~~~~ ~~ ~-~~. s ~~~~~~ ~_ ~ ~ ~~ . ~~~ ~ ~$~ ~~~ ~. ~ ~~~ ~ ~~~~' ~~i ~~~ ~. ~~. Z~ ~~ ~~ ., ~' ~tit-~tg~'~`~ ~~[`~.t Ott li'i~g~1~1 94 e . k ~sg f a } .: __~. _ ...._. ~~ ~ ~ ~ ~ A ~ ~; St ~ ~ ~ ~ +~ ~. ~ ~ ~ ~ ~ a ~~ - - ~ ~ ~3 ~ ~ ~ ~ ~ ~ ~ ~ ~c~ ~; ~ lac s ~ ~ `~t" '~ ~ }!~~ '}~ ~' 1t: ~~g s ~ it ~~ ~ ~ •~ ~~! ~ s ~ ~ ~~ ~ ~~ ~~i ~ ~ ~ ~ ~ ~ ~ .~ ~ ~ ~~ ~@ ~ s. p~ ~ f'gt ~ ~. ,~~ .. .. ,.~~ .. ~~g~~. t [ ~ $~ ~g~~ ~~~ ;~~ $e ~~~ 6~ ~~ ~~~~i I~i€ 1 ` • ~3~v9~~~l~ ~~ S ~ ~~ ~~ ~ ~es~~ ~ ~ ~ 4 ;3 ~ ~~ c +~3,~ ~~ ~ lei _~~. ~..'~ 8 ~ w ~ ~. ~ ~ ,~ s ~ c ~ ~~ ~~ ~' ~~ . ~,~ ~~ s ~ ~ ~ ~~ ~~ fir- ' ~ . ~. ~ ' . . . .. .. .. .. .. .. . . .. , Exhibit "B" FiA CARD SERVICES WILMINGTON DE BankafAtnerit:a >~r~wedtor.' TRACEY BOWERMASTER April 2007 Statement crao6;rLrrrs• SO.oo 43130279 97489634 Cash arCntditAvadahb: www.bankaFanreriea.eom ~ tO~ Summary of Transactions t3illing Cyrde and Paymsrt t Information BANK OF AMERICA Previous Balance 510,856.59 Days in &Aing Cyds 44 p,0. BOX t5726 Payments and Credits - $0.00 Closing Date 04/26/07 WILMINGTON, DE 198685726 Cash Advances + 5281.00 Ad®rrBr?'Jxrylr~ri~es Aa: Purchases and Adjustments + $0.00 Payment Due Date ~ 06J21i07 BANK OF AMERICA Periodic Rats Finance Charges + $79.71 Current Payment Due 5189.00 P.O. HOX t 5028 Transaction Fee Finance Chart7e8 + $OAO Past Dus Amount + 52,680.00 WILMINGTON, DE 19850-5026 Total Minimum Call tolhfree 1-800-626-2556 Nsw Balance Total $11,017.30 Paytrlant Due TOD hearing-impaired 1-600-348-3178 Posting Transaction Retsrsnos Account CorraagaondingAnnual 8aiance Sutyset to Category _ Auiodlc Rate hbtcet#ige Rafe Finance Charge Cash Advances A. Balance Transfers, Checks 0.016438% DLY 6.00% 58.156.63 8. ATM. Bank 0.016436% DLY 6.00% 5611.87 C. Purchases 0.018438% DLY 6.00% 55,250.88 Annual Percentage Rate for this BiAing Period: ~ 8.00% {Iru:ludes Periodic Rate Finarwe Charges and Transaction Fee Finance Charges.) OUR RECORDS SHOW YOUR ACCOUNT 15 PAST DUE YOUR BALANCE IXCEEDS APPROVED CREDIT LIMITS F:.. 23 011D17300~2$6900~~~OQaDOa~04~98 97499634 BANK OF AMERICA P.O. BOX 15726 WILMINGTON, DE 19886-5725 1...111.1..l.alal.ai.all.ttltl~l~ttl.tl.itll.tl.tl.l TRACEY BOWERMASTER 247 SOUTHSIDE DR NEWVTLLE PA 17241-8910-070 Check here for a change of rnarng addressor phone numbe~(a). Please provkN at coneetbm on the reveres aide. ACCi'aUNT NUMBER.- 4313027'9 9749 9834 NEW BALANCE TOTAL• 511,017.30 PAYMENT DUE DAIE• 05J21/07 8,braeekssat Mae' lhnaaPeYmsM caypan a~irg wiH, e cheakormoneYax*srpayadb rb•BANKOFAMEA/CA M&T Bank ~' TRA~CEY BOWERMASTER 43130271 63128498 Aprii 20x7 Statement ceo~•rc~e: $O.oo Cash arCnro'itAvailab/s• PIA CARD SlRVICES° • ~~.,,.,~,.e.,.N..~, ,r ..............,~ ..s,. www.fiaCardeervices.cortl ' Mao Pa~n~ents to of Transactions B rlNnp Gyds and InfomraRion FIA CARD SERVICES Previous Balance $10,868.66 Days in Biging Cycle ~ P.O. BOX 15714 Payments and Credits - $10,93759 Closing Date 04/12/07 WILMtNtiTON, OE i9se6-57ta ' Cash Advances + $281 AO Mer1Bd'~ing/nguexs to: Punyftaees and Adjustments + 50.00 Payment Due Date 05/08!07 FiA CARD SERVICES Periodic Rate Finance Charges + 50.00 Current Payment Due 50.00 P.O.80X 15026 Transaction Fee Finance Chazg es + 50.00 Past Dus Amount + $0.00 WILMINGTON, DE t985o-5026 00 60 T ® ~troe i-s0a362-6299 ~II 3178 80t1~48 Y d 1 i I New Balance Total . Due O e - - ng- mpa Posting Transaction Reterentx Account and Credits Date Date Number Number Cat o Amcunt w, .. .. e.~.r ~ ~ . til .w; ~y'~ ........ ~, ' a~:&~:f ^~. ..... '.. w~x.u:u:u:r`~~swtiia. iM #k;~! ~ ~~ ~. 't%~Y . ::~' .. .. .. ... ........: _°~`........a,w.a~.....ur .. .. .... .... ._..__..._ Purchases and ~ merits . .. ... - Cete9~ory fi9riodic Rate Co/respDJldirl~ Annuer f~irent~e Rate BarafJCe SlJt7~eCt to Fsam~ce Chs~e Cash Advances A Balance Transfers, Checks O.ODD000% DLY 0.00% 50.00 B. ATM, Bank 0.000000% DLY 0.0096 50.00 C, Purchases 0.000000% DLY 0.0096 50.00 Mnuaf Percentage Rate for this Billing Period: See CarreSponding (Includes Periodic Rats Finance Charges and Transaction Fes Finance Charges) Mnuai Percentage Rate Above ALL PAYMENTS BY PHONE WILL BE MADE ELECTRONICALLY. YOU MAY AUTHORIZE AN ELECTRONIC PAYMENT BY PROVIDtNC3THE PAYMENTAMOUNTAND DATE, YOUR BANK ACCOUNT NUMBER, AND SECURITY INFORMATION. A SERVICE FEE MAY APPLY. TO CANCEL, CALLUS BY 3:30PM ETON THE PAYMENT DATE PLEASE RETAIN THESE TERMS. 11 OODOO~D00©OOOO~OOOQOOOOUII004313027183126496 FIA CARD S ER\7I C ES ~ Check hors for a change of rneNbp address or phone numhegep. Wsase provide ell aomeelbns on the rswess side. P.O. BOX 15714 WILMINGTON, DE 19886-5719 lenlllelrrlulrlerleelln.I.i.l.~denllrlrrlueill AccoUNrNU,usF~ 43130271 e31a 8498 TRACEY BOWERMASTER 207 SOIITHSIDE DR NEWVILLE PA 17291-8910-070 NEYY6TALANCE TIDTAL• SOHO PAYMENT DUE DATE.• 05/06107 snhr )tijmriw we~eew Ena~beed• MaN bhisPe?19ne~'>t batpDn along with e ctreckermaeeyorafeipwyadts to.•F/A CARDSFRVICES :~ ~_ I~ i~ i. _ M&T Bank prefaredtar: TRACEY BOWERt,AASTER 43130271 83126498 March 2007 Sffitement c-aohttN,er 59,200.00 Gash or CnraFt Avedlabb: CIA CARD SER1/1C~" Summary of Transactions Billing Gyds end Paym ent krMrmation Previous Balance 510,6'13.61 Days in Billing Cyds 31 Payments and Credits - 556LAO Cbeing Data 03/13!07 Cash Advances + $281.00 Purchases and Adjustments + $78.00 Payment Due Date 04/07107 Periodic Rate Finance Chazges + 5235.88 Current Payment Due 537800 Transaction Fes Finance Chars + $0.00 Past Due Amount + $2,399-00 Total Minimum Hew Balance Total 510,656459 Payment Due Reference MaUPts to.' FIA CARD SERVICES P.O. BOX 15726 WILMINQTON, DE 19888-5726 A4a7BAdir~g inqumgs fo: FIA CARD SERVICES P.O.90X 15028 WtLMINQTON, DE 19850-5028 Cali toN-free 1-800-962-6290 TDD hearirKr-impaired 1-800-348-3178 Corf~~opnding Annual Bal~xre Subject to Categorl+ ~ fbrioaGc Rffis PoRaent~ Rahn Finance Charge Casfi Advances A Balance Transfers, Checks OA71205% DLY' 25.99% 55.451 •~ B. ATM. Bank 0.071205% DLY ` 25.9896 5127.49 C Purcfiases 0 071205% DLY ` 25.99% $5,112.11 Annual Percentage Rate ftir this i3iiling Period: ~ 25.gggG (indudss Periodic Flats Finance Chaross and Transaction Fee Finance Charass.! • Periodk: Rats May Vary Ol1R RECORDS SHOW YOUR ACCOUNT IS PAST DUE YOUR BALANCE EXCEEDS APPROVED CREDIT LIMITS 11 i]10656590027??d00i70281~D00D433r3027183126496 C1wck Flare for a oAanpe of FIA CARD SERVICES ~ pkeeaprovidaercarxtfni P.O. $OX 15726 WILMINGTON, DE 19886-5726 ~ae~~~e~ie~n~i~u~n~~ur~r~r{u~~a~e~r~~n~u~r~ ACCCNJNT NUMBER.' eddrese or phone numbeQ~. 43130271 83126496 NEW BALANCE TOTAL- 510,85659 PAYMENT L7tlE LM TE.• 04/07107 TRACEY BOWERMASTER 207 SOUTHSIDE AR NEWVILLE PA 17241-8910-0?0 Enrrr KAn.ovr ea~o..c Msa ar~s~y~„t~+~awn~ with e cJ~ecx ormorx~yoro(er,geyavai9 ro.•FrA r:~wv sERwr,Fs PAYMENT -THANK YOU 03/07 8341 281.00 CR M&T Bank d~'•' TRAICEY BOWERMASTER 43130271 63128486 February 2Qt)7 Statement cni,~t tore: :x,200.00 Cash orCreab'tAvadabb~ Summary of Transactions Billing Cycle and Paym ent Infom~radion Provioue Balance $10,36620 Days in Billing Cycle 28 Payments and Credits - $OAO Cbsing Date 02/10/07 Cash Advances + $OAO Purchases and Adjustments + $39.00 Payment Due Date 03108V07 Periodic Rate Finance Charges + $216.41 Current Paymerd Due $358.00 Transaction Fes Finance Charges + $0.00 Past Due Amourtt + $2,921.00 New Baisnce Total $10,623 61 Total Minimum ~y~M Due AGCIX/NT NUMBER 43430271 8312 8486 - - ~ artd to to Date Number Number Cad Amount ... ~.. .. Conalroondd~g Annuar Li'a~arKi9 Subject to Cafs~ory AeriadJc Rats Arn~entarie Rate FJmmce Cl>arpe Cash Advances A. Balance Transfers, Checks 0.071205% DLY ` 25.89% $5,522.92 B. ATM, Bank 0.071206% DLY' 25.88% $0.00 C. Purchases OA71205% DLY' 25 98% $4857 39 Mnuai Percentage Rate for this Billing Period: (Includes Periodic Rate Finance Charges and Transaction Fes Finance Charges 25.999b Fbrwdtc Rate May Vary - STARTINC3 SOON, ALL PAYMENTS BY PHONE WILL BE MADE ELECTRONICALLY. YOU MAY AUTHORIZE AN ELECTRONIC PAYMENT BY PROVIDING THE PAYMENTAMOUNT AND DATE, YOUR BANK ACCOUNT NUMBER, AND SECURITY INFORMATION. A SERVICE FEE MAY APPLY. TO CANCEL, CALL US BY 3~OPM ETON TH E PAYMENT DATE. PLEASE RETAIN THESE TERMS. OUR RECORDS SHOW YOUR ACCOUNT IS PAST DUE YOUR BALANCE EXCEEDS APPROVED CREDIT UMfTS 11 Q1Q623610026800000Q615QQOOQ4313027b83126496 FIA CARD SERVICES ~ prek here ror a ehsrga of nrllinp sddreee or prone numbet(e). Pkees provide el eorteotbne on the rovaree akls. P.O. BOX 15726 WILMINGTON, DE 19886-5726 ~en~~~e~u~~~~~~n~sf r~~n~~~~~~ur~n~rlr~fu~n~~~ TRACEY BOWERMASTER 207 SOUTHSIDE DR NEWV7LLE PA 17241-8910-0?0 NEWBALAAriCE TOTAL: $10,823.61 PAYMENT L71lE DATE.• 03/OBJO7 EIA CARD SERVICES'" www.iiacaraservicos.com MaNPelmienlato.• FIA GARD SERVICES P.O. BOX 15728 WILMINf~TON. DE 19886-5726 MerA'Bd~A'»9 tngrrLatas ta• FIA CARD SERVICES P.O. BOX 15026 WlLMINQTON. OE i985o-5028 Call toll-free 1-800-362-6299 TDD tieariri9-impaired 1-800-346-3178 9o0v r~erwmar Fiintens -~ McNihis pieymenf coupon ebng hf`dh e ahe~ck ormoney omFrrpeyabk fo.•FL4 CARD SERt//CES January 2007 Statement CreoN7Line.• $8 Ceah or%raalrfAvallabie: For/rrlbrn~on A7 YoruAao~ourrt trnA't www.fiecardservices.oom Summary of Transactions Bil~ C cl d P ~~ fO g y e an ayme ni tMonnation FIA CARD SEflVICES Previous Balance 510,096.42 Days in Billing Cycle ~ P.O. BOx 95726 Payments and Credits - $0.00 Cbsing Date 01/12/07 WILMINQTON.OE 19888-5728 Cash Advances + $OAO MaHBN~ln~gubiae&x Purchases and Adjustments + 539A0 Payment Due Date 02/b6/07 FIA CARD SERVICES Periodic Rate Finance Charges + 5232.78 Cumnt Paynterrt Due $372.00 P.O. BOX tso28 Transactbn Fee Finance Char S + 50.00 Past Due Amount + $1,949.00 WILMINC3TON. DE 19860-5028 New Balance Total 510,36820 Total Minimum ps,n,a.,,^ n,,. ~ Call toll-free t-80082-8299 TDD hearirxt-impaired 1-800-3483178 ---_.v ..~.~_--- .._._._..-- -•----... Pis and ~~~ Date Date Number Number Cait Amount v:..:.: •.: ~, .a:. , .. . . - ::... ...;. Cafs9etl' Hrr/od~c Rate H9rrent~ge Rats Fb~cs Charoe Cash Advances A Balance Transfers, Checks 0.071205% DLY • 25.99% 55,404.33 B. ATM, Bank OA71205% DLY' 25.88% $OAO C• ~~~~ 0.071205% DLY' 25.99% $4 811.64 Annual Percentage Rate for this Billing Period: Includes Periodic Rate Finance Ch and Transaction Fee Finance Charges 1 25 9996 Yergtlq Hate May Yary ' f OUR RECORDS SHOW YOUR ACCOUNT 1S PAST DUE TO HELP YOU BRINQ YOUR ACCOUNT BALANCE UNDER THE CREDR LIMB, WE HAVE BEC4UN TO WANE YOUR OVERLIMIT FEE.ONCE YOUR BALANCE IS UNDERLIMff, THE FEE WILL BE REINSTATED IF THE ACCOUNT AGAIN IXCEEDS THE CREDIT LIMIT. 11 0103682000232100000615000004313027183126496 iii FIA CARD SERVICES Cj Chmk hme for a ehanpe of meinp ad~eae or phone numbeRal. PNae prottida al corteetkme an tfr rswree sde. P.O. BOK 15726 ~_ WILMINGTON, DE 19886-5726 ~ ^n~i~^~u~u~^~er~n~~u^~^~^~n^~u~^~^~~n~u~r~ ACCAUNTNUAIBER: 43130271 83128496 ~ NE4YSAL4NCE TOTAL: $10,38820 = A4YA/ENT DUE Dbt 7E• OP106J07 ~ BYOrt~aawifAnrarr+rEhdiwast ~ PRACEY BOWERMA.STER 207 SOUTHSIDE DR ~ ;_ ~IEWVILLE PA 17241-8920-070 MaY ff~JsF~eYmerrt n among ~J8 i'a~ check ormoneyo~okirpeyaGre to.'FJA CARQ SEAV/CES M&T Bank f3slav+/dfor.' TRACEY BOWERMASTER 43130271 83128496 December 2pD6 Statement Cash arCreaN'tAvaa7ailb: Summary of Transactions Billing Cycb and Paym ent Iniormffiion Previous Balance $9,897.77 Days in 8iging Cyde 31 Payments and Cnulits - 50.00 Closing Date 12111/06 Cash Advances + Purchases and Adjustments + 50.00 539.00 Payment Due Date 01/07/07 Periodic Rams Firtanoe Charges + 5219.65 Current Payment Due $357.00 Transactbn Fee Finance Charpe8 + 50.00 Past Dus Amount + 51,592.00 Total Minimum New Balance Total 510,096.42 ~~ Due FIA CARD SERVICED"' Me~Y?ayrnanista -- FIA CARD SERVICES P.O. BOX 15726 WILMINi;TON, DE 19888-5726 A~ilB;irBng 1nqu1vies for FIA GARt7 SE~iYICES P.O.80X 15026 WILMINQTON, DE 19860-6028 Call toll-free 1-800-362.8298 TDD hearing-Impaired 1-600-948-3178 Posting Transaction Reierencs Account Purchases and Ad' Ms pats puts Number Number Cat ArnouM f . ... .. :.:.. ~ ~ ...... .... .. .....5 ...., ..x~x...............w. n Wix~e.A. Comr~ndarg Anrwal BAlaIfQB S1JIa+eCl to Category _ _ _PlrrioaGc Rate fbrcent~e Retie Finance Charge Cash Advances A Batattos Transfers, Checks 0.07120596 DLY "` 25.99% 55,284.51 B. ATM, Bank 0.071205% DLY • 25.9996 50.00 G Purchases 0 071205% DLY • 25.9x% 54.866.62 __ Mnual Percentage Rate for this BilNrtg Period: 23,gg% {Indudes Periodic Rate Finance Ctlarsaes and Transaction Fee Finance Char+nes • Periodic Rafe May Vary OUR RECORDS SHOW YOUR ACCOUNT IS PAST DUE YOUR BALANCE EXCEEDS APPROVED CREDIT LIMITS 11 01009642DQ1949~A0006150Q~004313027183126496 FIA CARD SERVICES P.O. BOX 15726. WILMINGTON, DE 19886-572(6 11/1111111111111'/!'1111ff111111/1111f1d1111/11f111 TRACEY BOWERMASTER 207 SOUTASIDE DR NEAIVILLE PA 17241-8910-070 Check hero for s charpa of rmling addressor phone nurr~6er(ej. PMass prorkla al comectlom on tM rovaraa akle. _. ACCOUNT NUMBER.' 43130271 8312 6496 NFW BALANCE TOTAL $10,096A2 PAYMENT DUE DA7E• 01/07/07 SrMr r.la,arr 6rsk.sa Me8 Ntl<sPrymeret coyocn sbny wdth a check ormorreyoiafs~payab~(e tn: fJA GA/#DSERVJ'CES M&T Bank '~' TRACEY BOWERMASTER 43130271 83126496 November 2006 Statement Cn~a-itLrrfs• x.200.00 Cash cirCrsdtAvai~- Summary of Transactions Bi1Hng Cycle and Pay rneM ttttommNon Previous Batancs 59,559.84 Days in Billing Cycle 29 Payments and Crodits - $0.00 Closing Dais 11/10/08 Cash Advances + 50,00 Purchases and Adjustments + $78A0 Payment Due Date 12!08106 Periodic Rata Finance Charges + 5198.83 Ctxrsnt Payment Due $334.00 Transaction Fes Flnance Charges + $0.00 Past Due Amount + $1,258A0 New Balance Total $9.837.77 Tom Minirrrum Payment Due NFINBALANCE TDTAL: 59,837.77 PA)71/ENTfXIEDAIE• 12108/OB Account OVERLIMIT FEE (BASED ON BALANCE 9,558.94) 11/10 11/01 YOf~ aLX~dr7lAT Y$ OVEitLI3~T. TO ]-VOID Atr OV8RLI3[IT FES 03i YOUR 318X1 BTAT&IQiNT, NE 3BJ$T RBt~ZI48 A C70DiFr8ZtlI3i0 PAY30171T , TEAT B~itS3T68 A3ID 10;8p8 YOIAt At'COUNT BAI.i1NC8 88LOIr T>!!Y QiBDIT LIliB, irITHI3i 20 DAYS 08 T8>e A80°VS 8TAT81~31T CIA$INti DATB, A31D NOT GO dV8RLI3dIT AGAI3i. CB1`B~~ Go~reapcridirrgA>»war Ba-s-iee s~utysct to Rate As~erlta9'e Rate Finance Charl7~s Cash Advances A Balance Transfers, Chedts 0.071205% DLY • 25.99% $5,172.85 B. ATM, Bank 0A71205%DLY' 25.9996 $0.00 C• Pumhasos 0.07120596 OLY' 25 99% 54 504 57 Mnuai Percentage Rate for this Billing Period: ~ ~~ ---~._ Includes Periodic Rate Fuiance Ch and Transaction Fes Finance C 25.999ti ' Pe b Rate May Vary OUR RECORDS ShiOW YOUR ACCOUNT IS PAST DUE 11 0098377700159200000615000004313027183Z26496 FIA CARD S ERV Z CES ~ Check hero for a change of rroanp addressor phone nurtbsr(sp. PNase pmvide al aorneetlons on the ro+raree tide. P.O. BOX 15726 WILMINGTON, DE 19886-5726 ~ns1~~~~~u~n~~~u~r~~~us~~~~~rn~o~r~~~~u~~r~rl ACGOUNTNt1MBEf~ 4313027183126496 TRACEY BOWERMASTER 207 50UTHSIDE DR NEWVILLE PA 17241-8910-070 CIA CARD SERVICES'" A~Paj+nants ta• FIA CARD SERVICES P.O. BOX 15726 WIL3AINQTON, DE 198885728 ,NaNB61~lnpuviesla FIA CARD SERVICES P.O. BOX 15028 WILMINQ70N,OE 19850-5026 Celltoil-free 1-800-382-8299 TDD t~earhg-impaired 1-800-346-3178 ~~ ~~:. ~:{~ C 39.00 mrr AAOw.r.Yw,r.,f Faaaorot MsN lhispvyrnent cvyoon abns7 r»7h e check ormonayart~tsrpaysb~ to.•F/A CARD SERV1'CES i s.... a= l~ iil~ ~~ M&T Bank Pedlar.' TRACf:Y BOWERMASTER 43130271 83128496 October 2006 Statement crrdirtarr~e: X6,200.00 Cash orCr~tArar7abla: Summary of Transactions Billing Cyde and Paym ent Mformation _ Previous Balance $6,281.15 Days in BiNing Cyde ~ Payments and Credits - $0.00 Cbsing Data 10/12!06 Cash Advances + SOHO Purchases and Adjustments + 578 0o Payment Dus Date 111t>b108 Periodic Rate Fin9nCe Charges + 5200.79 Current Payment Dus 5332A0 transaction Fss Finance Cher'Ues + $OAO Past Due Amount + 5926.00 Total Minimum New Balance Total ~~r~r6~ Payment Due ON BALANCI: 6,281.i5J 1 WQ2 Dl'20 YOUR Ai000UNT IS OPSRI.I1rIT. TO AVOID AN OV~tI.I11IT FSE aQl YOB 2137CT STATtH~'t.' , nrS tlTBT R>iCC1eIVE A CONF+~IQIT4 PAYIWIT~ TH71T ffitINdB A11D ~Z)PS YO[7lti 1hG~1NT BJILANCS BELtNP T83 CRZDIT LIDiR~ tAiTHI11 20 DAYS O! THi ABdVti BTAT=1l1<laT CI,OSINO DATi, A~ IrOT GO OVieRLI1tIT A4AIx. I~IV~~ID ~~ ~; www it~rtetaocess.com MailPa~rnenlslb.• BANKCARa SERVICES a.a_ aox is726 WILMINGTON, DE 19886-5726 Alav'1Bd~(ing/ntluarecs to~ ~BANKCARD SERVICES P.O.80X 15026 WILMlN~TON, DE 19850-5026 Caittoll-free i-800-382-6298 Tfm hearing-imaeired 1-800-3d6-3178 C ~~ 11 00955994D012580000D61500000431302718312649b BANKCARD SERVICES ~ ~.ep~ronridere~w~twMOngt+s~ nenuerbeQ~. P.O. BOX 15726 WILMINGTON, DE 19886-5726 1...I{I.I..I..I.I,~I..I{,..I.I.1..~1,.1.1.11~.1~.1.1 AccouNrNV~sE><r 4313027183128496 NE'YY6TALANCE 77DTAL• x,559.94 PAYMENT DUE DATE• 11/05/06 TRACEY BOWERMASTER 207 SOUTHSIDE DR NEWVILLE PA 17241-6910-070 ~rir wye~rkwn~o~.N 6nNwa daia~ bhks,avlm»McoLpon abZq twrh a check ormnneyornl.rFreyaG/e to.64NKCAI~SERV/CES A Salartce Transfers, Checks OA71206% DLY ` 25.9@96 56.086.38 6. ATM. Bank OA71205% DLY ` 25.99% 50•~ OUR RECORDS SHAW YOUR ACCOUNT IS PAST DUE M&T Bank ~ ~uf~~~f~et~u~r~u~n~~ut~t~un~~tf~~t~fu~u~t`~ 8~711i1CGRD 81iRVIGSB P.O. BO% 15137 NIL1tINOTOIQ, DS 19886-5137 For aooouM IMemtetbn cWl 1-800-382 Print change of address ar near felaphona number below City P ( ~ c Horrb phone Work phone N 4315 0271 8312 6496 ~,2oo.oD ~ 09/12/06 1926.00 1 W07/06 Poatbry Trsnaadion Rafsronce c;arsl ctie.go7 wcraactbas SEPTEMBER 2006 STATEMENT Cnr~ oredi<s ~ Data Oats Number Type PURCHASES AND ADJUSTMENTS 39.00 09/07 09/07 8995 YS C LATE FEE FOR PAYMENT DUE 09/07 39.00 09/1Z 09/12 D/20 VS C OVERLIMIT FEE BASED TOTAL FOR BILLINGOCYCLE FROM 08/12/2006 THt~OUGH 09/12/2006 578.00. 50.00 YOUR ACCOUNT IS OYERLIMIT. TO AVOID AN OVERLIMIT FEE ON YOUR NEXT STATEMENT, WE. MUST RECEIVE A CONFORMING PAYMENT, THAT BRINGS AND KEEPS YOUR ACCOUNT BALANCE BELOW THE CREDIT LINE, WITHIN 20 DAYS OF THE ABOVE STATEMENT CLOSING GATE, AND NOT GO OVERLIMIT AGAIN. i IMPORTANT ~ NEVY8 YOU ARE A YALUEp CUSTOMER. WE WANT TO MAKE SURE YOU ARE AWARE THAT WE HAVE NOT RECEIVED YOUR PAYMENT. PLEASE SEND THE AMOUNT DUE TODAY. IF IT HAS BEEN MAILED, THANK YOU. FOR THE PAST 150 YEARS M&T BANK HAS BEEN PROUD TO SERVE OUR COMMUNITIES, WHILE HELPING INDIVIDUALS AND BUSINESSES SUCCEED. COME SEE WHAT WE CAN DO FOR YOU. N&T BANK. UNDERSTANDING WHAT'S IMPORTANT. TOTAL Previous ftalsnoe (-) Paymartb (+) Cash (+) Purdrasea and (+) Pedodk RaN (+) TramaeYon Fee ANGE3 (~ New BNanca T W Past Ous Amount .............. $590 and Cn:dks AdvanCp AdJuatrnenb FINANCE CNARffiES FINANCE CFI o Cement Payment .............. $338 Tatal Minimum Payment $8,895.74 $0.00 50.00 $78.00 $207.41 $0.00 x,281.15 Due ............................... $926 F1NAlYCECXAAG)ESCHEOI/L.rz Cornaapardrna Balanw Parbdlo Rafe ~7 ~ Rate AmnoeCharys Cash Advances . A. BALANCE TRANSFERS, CHECKS 0'.071205% DLY * 25.99% 54,954.85 e. ATM, BANK ................ 0.071205% DLY * 25.99% 50.00 C. PURCHASES .................. 0.071205% DLY * 25.99% 54,148.21 FOR THIS BILLING PER/OD.• "Periodic Rate May Vary ANNUAL PERCENTAGE RATE ...................... 25.9996 ryealuaVs fb+ismc Rase and Tianeaaiton Fee Flrwncs Chsroea! ~VIDtxvzm SIERV~ES www ibsnetaacess.com CARDHOLDER SINCE 20001 4313 4271 83128496 tffvf~wrvr,~rH~e ,vFwau,tntcFrtxni 10/07/08 19,281.15 ~z ~~~ ~~~ $926A0 pETACl~/ 7t?P ACtRTlOH ANI D RE7I~iN WJ7t1 PAYARBVf ~ TRACEIf BOWER4IASTER ~- 207 SOUTHSIDE DR ~ NEWUILLE PA 17241-891007 ~_ 11 00928115D0092b000004313D2718312b496 R7AY01/HSAT/SFACTION, Fl/ERYHCX/R, EVERYAAY • Far CueCotrier SslhiecGan and up to the minute alromatte~dairrfamatlm hdudin , addrhimrteilatt, ar fia~re~puest dupiCete al ceH ~ ~ . • Fa TDD (ielecamxnk~tlon DaWoe to the DeaQ asabtawe, Car 1-800 348-3178. • Mall Out BANKCARO SFRNCES, P.O. BOX 15137, WiMNOTON, OE 1 - 137. Bip r hffi are presftved any titjuYy. Mad bNhg hauiiea, usnA ,eat ~e~ arP.~O. ROX 7~6. WILN{NIGTON. DE 198603026. din sty nF1u a5na nrxtn rxt M&T Ban k AlrAerchxk ~ue~~~e~u~n~e~re~n~~tee~e~ute~~ee~~t~ne~n~t,~ PaYa~ ~: B~cAlty ~sav=cas P.O. BOX 15137 1PIL1[IIQOTOIQ, D$ 1988b-5137 For acoountirdon»stfon call 1~800ti9B2-6299 Print oherps of addrwa or new uWphons number bekwv Addroas ~~ID B~G~n Sys www ibsrl8ts.tAm CARDHOLDER SINCE 2D03 43t 3 0271 ~~ 2 sass ~~~~~ ~~ Oa+o7106 SB,995.7a ma,c,a~.rtAVx,ruexranE ~.+ncov>•tuxo~et=n 5590.00 DETACH IOPPI~RTlAVAND 1;E]iA?Al N7THPAYAIFM __ ~ TRACEY 84WERMASTER 207 SOUTHSIDE DR '~ NEWVILLE PA 17241-$91007 i .e. `t `'` ) t ~ i~ 1Z 00899574000590DOOD043Z3027183126496 Roma phone Work pbwna AaaauM A'em4sr Crsc9k! lbw QesA arCnaeOlt AusLe~aJe ~ e DeM Tatd btbrbruae~ Due Pe Dine Date 43130271 83t 26496 59,200.00 520428 ~~ 08/11106 5590.DD 09VO7lO6 Poatlag raneaaUoa Rehtance P.ard Category Tranaaetkxr AUGUST 2006 STATEMENT CMrgae Cnsds~ (CRj Gate Data Number Type PURCHASES AND AD7USTMENTS 08/07 08/06 8773 VS C LATE FEE FOR PAYMENT DUE 08/06 39.00 TOTAL FOR BILLING CYCLE FROM 07/14/2006 THROUGH 08/11/2006 S39.00 50.00 IMPORTANT MEWS YOU ARE A VALVED CUSTOMER. WE WANT TO MAKE SURE YOU ARE AWARE THAT WE HAVE NOT RECEIVED YOUR PAYMENT. PLEASE SEND THE AMOUNT DUE TODAY. IF IT HAS BEEN MAILED, THANK YOU. FOR THE PAST 150 YEARS M&T SANK HAS BEEN P'ROi~ TO SERVE OUR COMMUNITIES. WHILE HELPING INDIVIDUALS AND BUSINESSES SUCCEED. COME SEE WHAT WE CAN DO FOR YOU. M&T BANK. UNDERSTANDING WHAT'S IMPORTANT. sUa®taarec rlaaAt4,bc~nus TBTAL AtJX/AfUMPAY,1t6UTDlJE Pneriaia 8akmoa () Pagmer~ (+} Cask (+j Puatwses and [(•} Paelodie Rabe (+j Traneaolbn Fes S (.j Naw BaNiws W T 5281 Past Ow Ameafllt and Credits Advanep AojuefSnaxb fMlANCE CNAROEe FINANCE CNAROE o .............. ..... Conant Payment .... ..... 5309 Tdd Mirdmum Payment 58,773.59 SO.DO 50.00 539.00 5183.15 $0.00 $8,985.74 Due .........:..................... 5590 FINAIYCEChrARGFBCHEDi1LF Corroaponding Balenea Cebgory PKlodk Rak Petew hp Rata FNeOharys Cash Advances A. BALANCE TRANSFERS, CHECKS 0.071205% DLY * 25.99% 54.848.43 B. ATM, BANK ................ 0.071205% DLY * 25.9996 50.00 t. PURCHASES ................,. 0.071205% DLY * 25.99% 54,021.27 FAri TINS 81LL1ArG PERIt71k 'Periodic Flate AAay Vary ANNUAL PERCENT/KiE RATE .................. .... 25.9990 (lnctudea Ileriad/c Ante End Tanwct6rn Fee Fbamca Cba~pae.J •FOR VAVRSATl8FAC7rON, EYERYXO!lf,; EYERYLa4Y • Ft1r Cuab11'ier Sa18iaCUerr end t{11D Ulf; mlAlle sll[OIIiBbad Mermallan iI1C1K1tig, bsletrce, a+aleble p~~ raceMed, pafrm~ni~ due due dale, p~men adtesa iniumetba, a to recMeat dePW3Ae ~ement4, cad 3~;'~iZ§2;~1. • Far rDD [~eiec~unMxtlon DevEe ttr tie Deep es~w;e, 0811-$OD-3+1£x3178. • MaAm3 pia anNK~wa sEs, v.o. Box ~si~r, wul~NCroN, DE • BNirq rlohb era preserved anN wrkcea InquYy. IAa1 bilh4 l'~Wt1se, uafn9 pe~NIK~aR11 ~~ ~' ~ 150 B 1NLAlINGTON. DE 19850-5026. 3562 5011A 3Y0 1202 OOOO 00 M&T Bank Afrkarheek ~tu~~te~ef~et~t~n~te~~ut~t~uf~t~~u~t~tt~n~e~t~ pajetNs $11141CCPiRD SERVICES P.O. $OS 1bZ$8 1iPIL1iiNG'1'ON, D8 19886-5288 Foracoount Mdom~atlon cell 1-600-382-8'299 Print ahen8e aFaddrae or new takphone number below Adareaa Ixn~tr~ ~~ . www ibsn~a~ccess.cOm CARDHOLDER SINCE 2003 4313 0271 83126496 R,nwo~vrrxkatn= ,rE-revv~rotu 08/06/06 58,773.59 528100 OETAAH TDlPPQ4T/ONAAdD I~ET7Ai!/ 1VI7NP14YMlEM' ~, ~ TRACEY BOWERMASTER ~~ 207 SOUTHSIDE DR ~ NEWVILLE PA 17241-891007 ~_ O~ P 11 OQ8773590D0281QD0004313Q2?1832 26496 Horns phone y~ phg1e Aaowaft Hamer Cmdii Una QisA crGYadrt AvdteAM ~. ~ Cksd Dda TOGN Pa DWV Due Data 43130271 83126496 x,200.00 Sa2s.a~ 30 o7i1yo6 528~.0o OBro6to6 PDoetla0 0~ ~* N~ cyp~de c+etepoy T"`~°~l°t" JULY 2006 STATEMENT ~~'" Cfed~'~ PAYMENTS AND CREDITS 07/08 0050 VS PAYMENT -ONLINE EXPRESS 615.00 PURCHASES AND ADJUSTMENTS 07/08 07/08, 1158 V5 C EXPRESS PAY FEE 12.00 TOTAL FOR BILLING CYCLE FROM 06/14/2006 THROUGH 07/13/2006 512.00 5615.00 ', IMPORTANT NEWS INDIVIDUALIZED BANKCARD SERVICES, A DIVISION OF MBNA AMERICA, N.A., IS NOW A DMSION OF FIA CARD SERVICES, N.A. YOUR 2006 PRI1/ACY POLICY FOR THIS ACCOUNT IS ENCLOSED IN THIS STATEMENT. IF YOU HAVE ANY OTHER ACCOUNTS WITH US, YOU MIRY RECEIVE MORE THAN ONE COPY OF THE 2006 PRIVACY POLICY. STARTING SOON, ALL PAYMENTS BY PHONE WILL BE MADE ELECTRONICALLY. YOU MAY AUTHORIZE AN ELECTRONIC PAYMENT BY PROVIDING THE PAYMENT AMOUNT ANO DATE, YOUR BANK ACCOUNT NUMBER, AND SECURITY INFORMATION. A SERVICE FEE MAY APPLY. TO CANCEL, GALL US BY 3:30PM ET ON THE PAYMENT DATE. PLEASE RETAIN THESE TERMS. Previais BMenoe (-) Payments and Credib (r) Caeh Advanase {+) Purcfiasas and AdWeemeMS {s) Pe,fodlo Rpe FfU1NCE CNAN~B {+) Tnun Fee FINANCE t71tAROEN< {~ New BUeaoa Total Peet Dus Amount .............. $0 Conant Payment .............. 5287 x,181.02 $875.00 50.00 $12.00 5195.57 $0.00 56.773.58 Tour MlnUnum Payment Due ............................... 6281 AJ Y~ W C F G NA R Q E S C HE D t/ t E CO~P ~B Belanoe Patodie Refs Anra,sl ~ ~ Psroentags Rtle Flnenae tur args Canfi Advances A. BALANCE TRANSFERS, CHECKS 0.071205% DLY * 25.99% 55,235.34 B. ATM, BANK ................ 0.071245% DLY ~ 25.99% 50.00 C. PURCHASES .................. 0.071205% DLY * 25.99% 53,920.29 FOR TJY/S BILL/NQ PFRJQD• ~ Periodk Rate May Vary ANNUAL PERCENTAQE RATE ...................... 25.999'b j~lae/indae AwAa~a /itli snd Tneasct/oa Fes Raanica Ghanarsl FOR YCaURS41)SFRC770N, tYFRYHC~IIf$ FVL~RYAAY • be~~ce, areimb~~, ~ayme~n~ re~ceNmed~ due ~ h~~~ edtress klfolllfelion, a ~ request Aupicella e~~~ 1@~. • ftr 1DO~ebcmnnlunicetal Dealoe to the Deaf) atektancEti Cal t- 346377& • 1#81 CaY ~y3 fi: BAPIICCARD SERMGrS. P,O. BOX 15288, WILI~IGTON, DE . BNnQry5p2ht8 are preserved mfg tntltlart Ytquiy. Mel bfihq hurries, usrp iQm on UIe DBCkLeNd atller to: BAN(CAAD ffS. P.O. X 75026.1MLMNC,TON. DF t985U-5026. ~~a ~nN v naa n~ mro nn M&T Bank s~~cutD sa~vzcas p.o. soa 15137 . ii1ILYIWtiTOI'i, D$ 19886-5137 Paaccount Informetlon ca11 i-800-382-6299 PdM change of addmee a new tetephOne number bNow dress ~~ B~~G~n SERVCEs wwtncibs r~etaoctBSS.COm CARDHOLDER 3~NCE 200:3 ,, a~13 0271 ss~ 2 sass ~>a~~ru>F ~~ o7roavo6 $8,1s1.02 (66~s.oo ~~ DETACH TOP PtlIR'170NAND RETtA4N WlTfT PAl~IM6Vl !` TRACEY 88WERMASTER ~_ 207 SOUTHSIdE dR ~ NEWVILLE PA 17241-891007 III ~ ~ t a 11 Q09181t72D00615000Q04313Q27183126496 Flom. phone Wak phone AoaaYrrt Cndpttfes l.Ya/iaCrao4tAwflebJe a~s+r~ LEete ToMlA!lafmuar Dxe Pe De+eDete 4313 0271 83126496 $9,200.00 $16.96 33 06/13/06 $61b.00 07/08!06 ~tnp D asectlon Nt use ~ ceaaeoy Transaottoas JUNE 2006 STATEMENT ~~' ~~`~ PURCHASES AND ADJUSTMENTS 06/08 O6J08 8931 vs c LATE FEE FOR PAYi~ENT nUE 06/08 39.00 TOTAL FOR BILLING CYCLE FROM OS/12/2006 THROUGH 06J13J2006 539.00 30.00 IMPORTANT ' NE1NS YOU ARE A VALUED CUSTOMER. WE MtANT TO MAKE SURE YOU ARE ANlARE THAT trlE HAVE N07 RECEIVED YOUR PAYMENT. PLEASE SEND THE AMOUNT DUE TODAY. IF IT HAS BEEN WALED, THAHK YOU. rnru Previous 6eince (-) ~ (+)~ t+y Pi+chssas snd {+) Pariodo Mb (+I TMroaclion Fw (~ Mew BeMnos $277 00 t t D A ~ and ~ Atqua6neuts P NANCE CNARO613 FlIIAMCE CMAR6E;! Tohl .............. . ue moun Paa ta+rreM Payment .............. $338.00 8gs3~.aa '0.00 80.00 839.00 821a.ss 80.00 ~,aai.o2 Totiel tNinlntYm Psymsm D,~ ................. ......... ssls.tio AIMANQECNARQESCN®t/LE Corraepondtnp BaMnee ~~ Clete s ~ w ~ef7aY Peroa lisle lta p RneCMr9e Cash Advances •. A. BALANCE TRANSFERS, CHECKS 0.07052096 DLY * 25.7496 55,240.3$ B. ATM, BANK ................ 0.070520% DLY * 25.7496 30.00 C. PURCHASES ... ............... 0.070520960LY * 25.7496 33,799.88 FOR 7F9S BILtlNQ PERlOD~ 'Periodic Rate May Vary A1~NUAL PERCENTAGE RATE ...................... 25.7496 (liicludaa awwas~ Rats ano' r,rar Fee J FOR YOtlR S471SFi4C7TQYV, EYERYHO(!R, lNERYQAY • far LUahuner Sethtacllon end YP to the rrltMrte autametednliormdaatltem, phcUdt~g, t>eler~ce, aYalBbk aadt, DeYmans receA'ed.~.t~ d~+e]..~~~tMrlmlt eddlosetnimnetian,a recPeetdupfictte 6~, • Fa iD0 (islaoomrtxnicatlat oerlce fa the E)eey arx~, aetl 1 346.3178. • Msi pgymeets to BAwCCARO SERVK;ES, P,O. BOX 13 t37, WILMNG70N, tlE 19BHti-3737. • ~ m ere ~ ad~any Y~ t+aply. Ma+i bYlhg tnqutles, uain9 ltAitc ~ P.O. X t5028. IMLMNGI'ON. OE 19864ra026, rte. ~.... ...,,...,,.._ ---- -- M&T Bank Mrfrschrck ~nr~i~i~u~n~r~rr~ir~~rrr~r~rrrlr~~erii~rr~n~r~r~ P'~~ m: BANICCl1RD 8$RYIC88 P.O. 808 1588 4PILl[INO'1'Ol~l, D8 19886-5x88 Far seeourK krfonnatbn aN 1-800-382-829Q Pant ohanye d address Or new blsphone number below rese ! t ) zip Hams phone work piwne ~ID1VIDU~L¢ED 6~ ~AT~S vvww ibsnetaocess.com CARDHOLDER SINCE 2.003 '~ 11 is.dx r s,_ ~ ..,. n.,l..r ....,~.v A!,!.000A1lTAlAII~E9 43130271 83126496 A4YIMENlDtEtU7£ Aifr/'a4[AA~CFTOTAG 08!08/06 $8,931.84 7oru.urwra,writra~vroc~' nrRxevrE~rxc~a $277.00 DETAGW7i7PP17ATAONAMpR67GY~iV i4R7HPAYMFM TRAGEY BOWfRF1ASTER 207 SOUTHSIDE DR NEWVILLE PA 17241-891007 a_ ~.... _~ ilk i i~ titiii~ .Z. DD893164D0027700000431302718312649b °'a. ..,Y:~ .L._ r,...r ur~r-..- a.___a n.~ n..~ya n... ,L.~ 4313 0271 83126496 y9,2p00p ,~ 30 O51i1J06 $277A0 tJ8/08/06 one TOranseatlon NMnaronee ~ ceRepay Tranaudions MAYtOQ6 STATEMENT Charysa crseita{cFp ~.~4Yi. J 05/06 6641 VS PAYMENT -NET ACCESS TOTAL FOR BILLING CYCLE FROM 04/12/2006 THROUGH 05/11/2006 314.00 50.00 5314.00 IMPORTANT NEWS PLAN AHEAD FOR LIFE'S UPS AND DOMMS. HELP PROTECT YOUR ACCOUNT TODAY! ', CALL US AT 1-888-293-4710. CHANGE ADDRESS & SEE 12 MONTHS OF STATEMENTS VYWMf.IBSNETACCESS.COM. S1/A/AGIRYUIF7RANSAC77QMS ~s~sr~i uJU~ai»u ae v~i~.r n.`c Previous Belanae (') t'pmants (+) Catlr (+) P1aClrssss snd (~ PeAOdk Hsls l+l Trarasoron Foe (~ Now HNapes and dedib Adwnop AdJua4nanb l7NANCE C14M®ES F1b11iCE CIIARGE76 Todd Peat Dus Amount .............. 50 llrmxrt Paymsn/ .............. 5277 9;8.055.31 $314.00 50.00 9iD.OD 5180.33 50.00 58.931.84 Total MNimum Payment Ow ............................... $277. FINANCECHARQEBCHEDULE Csnsaporrdn8 Balsnoe C~aY 1'arlodieRed: Annual Pererrligs Ants Suhjaelte Finenoa Qarys Cash Advanoeel A. BALANCE TRANSfERS, CHECKS 0.06983S9b DLY * 25.49% 55,374.83 8. ATM, BANK ,,,,,,,,,,,,,,,, 0.06983596 DLY * 25.49% 50.00 C. PURCHASES .................. 0.069835% DLY * 25.49% 53.709.86 FA9 71i1S B1LL1AlG PER10D.~ 'Periodic Rate May Vary ANNUAL PERCENTAGE RATE ...................... 25.49°lFi /Arcl~etee AadsrJ/a /isle and Tnnaeodon Faa flaarres GY~ma.) FOR YaJR SA77SFACTha'V, F7/ERYXIX/F~ EVB9YQAY fff Cuatonler Sethiecdat entl up In the mhrrte automated krfamatlan ndudin , balerlce, ereNBhfe aedN. Papmenht retsNed~, cduea~ due dais address hfarfrledm, a fu request dupkah: • fa TDO (felecommunkatlai Oevlce to the DeaQ assistance, ceN 1-80000 346-3178. • Mai is tIX BANKCARD SERVICES, P.O, BOX 15288, WN.MNGTON, DE 19886-3288. • Bain r~his wa preserved ply YA910en hqutY. Mai bNtq (nqukies, uskg farm on ale beck, and aNler'nguiriaa io; @pi~(CAAD SfRN(9=S. P.O. BOX 15026. WILMNGTON DE 19850.58. 077 rdN1Vi t167 MM MM M M&T Ban k OarMrop~onrdin8 8alsncs Pamanhegs Rata FYrq~sys 25.49% S5,6i8.21 25.4995 50.00 25,49% $3,603.56 • Periodic Rate May Vary McJarclasaY ~nt~~~~~u~u~t~u~n~~ue~~~eu~t~~u~r~u~u~~~r) payibAe ta' B71N1CCARD S~RYIC88 P.O. BOZ 15266 i~PILI[IIQOTOI~i, Is8 19666-5286 For account InMrmatlon esu 1-800-382$299 PdM ehaaye of address a new Mkphone number bNow Add~sss ~vIDU~tam B~aC,~ HrvrMr. ibsnetelc~ss.com CARDHOLDER SINCE 2003 A 4313 0271 83126496 Arnwavrare'a,~ tifsvanr~erarAc 05/0BJ06 58,055.31 ror~uaawwKdre,n~nrra+e: ~aorwrarciaat-n 5314.00 o f rA c f r T t 7 i P A~ R 71 0/ V A!~! E7 7 A iN Y Y J T H FA YM FM s TRACEY BOWERMASTER 207 SOUTNSIDE DR ~" NEWVILtE PA 17241-891007 _~ i~ i~ ~_ ~_ L l t ~ z~ 11 D09D5531DOD314000D0431302?183126496 Hams pAone waric phose Au»ernt IYumdsr Crack [II-a C~aNr ar C~saW' A~d~rbls ~ ~ Qats Toht MhNmrme Drxs t Due lJlsts 4313 0271 8312 6496 59,2oa.DO 5144.N 29 Oaisios 531a~oo DSroero6 ~ ~ ~maadton Na(a~ e ~ t:stpory Tranasotb~a APRIL 2006 STATEMENT cn.iyss crodna (CFp 04/10 04/09 7601 VS PAYMENT PURCHASES ANp ADJUSTMENTS 04/05 04/0fi 9157 VS C LATE FEE FOR PAYMENT DUE 04/06 TOTAL FOR BILLING CYCLE FROM 03/14/2006 THROUGH 04/11/2006 328.00 39.00 339.00 S328.00 IMPORTANT MEWS PLAN AHEAD FOR LIFE'S UPS AND DOWNS. HELP PROTECT YOUR ACCOUNT TODAY! CALL US AT 1-888-293-4710. CHANGE ADDRESS & SEE 12 MONTHS OF STATEMENTS WWW.IBSNETACCESS.COM. Previous 6aMnce () Payntanb and C-adlts (+) 4ah Ad i+) Purdrsa snd t+~ Pafodis Rate (+) Tr~r~esatlos Fes (.j Naw 9slenoe vanexs Ad)uasnaMa R NANCE CHARGES FdU1NCE CNARCES Ta1e1 Past Dw AmosM .............. a0 • CurnM PagmaM .............. $3t4 ~,t5T.55 $328.00 $0.00 $39.00 $188.76 $0.00 $9,055.31 Total Minimum Payment Due _......... ............:...»... $314 FI NA N CE C H A A i [i E S C H~ t J L E y Padodte Rate Cash Advances A. BALANCE TRANSFERS, CHECKS 0.069835% DLY B. ATM, BANK ................ 0.069835% DLY C. PURCHASES ... ............... 0.069835% DLY FOR T7~IIS BiLL1NG PERIOD. ANNUAL PERCENTAQE RATE ...................... 25.4996 (Lxladar PwJotNe Hats asd Trrnesctfon Fas Ffnawoa CAwara./ f~7R YIXlR SA77SFi1CT10Al, EYERYHOUl~ El/EAYAAY • Fa Customer Setiaagc0an and up to the minute aukmeotd hformatian hc4d"reg. balance, avaleble a~ payrttanta receiVeq aymenffi due due date, pa~m~nt address intarmeNon, a fo req~eai duplcele metda, car 1-000-362.6299. • kr TDD (feleoonmunYagm Oeuice fa tAe DeaQ a.~e, CeA i-800 346.317& • tMal paVm~ to BAN(C~1RD SERVICES, P.O. BOX 15286, M11LA8NGTON, DE s Bi98~86rI~pJp~~t2~laa are (>r88erved mty vatldl hairy. MBM biilg haties, usYg CARD S. P p ixyiles ta. X i5026.4YrA11NGTON. DE 19850-5026. Z7A7 51d dR7 (Y1M AtYYt fNr M&T Bank • I..tt11.1..1..1.1..1..II~..I.I.nl.lta.l.l.tl..1.1~1 A~~: s~cutD ssavxcxs >P.o. sox 1sa86 1iIIJIIIQOTON, DE 19886-5x88 ForacoountlMoanatlon all 1-80082-8299 ' Print ~ of addmn ar new tabphone number bebw Aaa.se (~ ~ ( ) ~ Nome phone Work Ptuma ~DIVIDtW.TIID W W W.1 bS f 18t8C~8.CO~t1 CARDHOLDER SINCE zoo3 ~_ 11 ,~arr,~.a~r 4313 0271 8312 6496 ~,~~~ ,vrwe~w~rae.c 04/OBJ08 $9,157.5b rDr~tia~araarr+~ra~MVGIE .uwthrrtattrtcs~m (328.00 DEr,,cH ~ sun N7rnraar~avr TRACEY 80WERMASTER 2D7 SOt1THSIDE DR NEWVILLE PA 17241-891007 ~_ ~_ I~ Q09157550QD328~000Q43Z3Q27183126496 ~'_ ~ .-e..i... raw. TM.r lfwf,w.rn a..•.....r rLu QE,.awe,.e n,. nd 43130271 83126496 s9,2oD.oo 542.45 ~~ Dy~aroB 33ze.oo o4loe~oa Posting TranaacHon Rehuenna Dste Dace Number Card type Category Tranewilona MARCH 2006 STATEMENT . Charges Credks {CR'j YATl7GPt 1 D AI'~7 ~.KtDiT 5 02/16 9262 VS PAYMENT -NET ACCESS 03/11 5550 VS PAYMENT -NET ACCESS PURCHASES AND ADJUSTMENTS 03/08 03/08 9196 VS C LATE FEE FOR PAYMENT DUE 03/0$ 03/13 03/08 0/20 V5 C OVERLIMIT FEE BASED ~ TOTAL ON BALANCE 235.62) FOR BILLING CYCLE FROM 02j11J2006 THROUGH 03/13/2006 300.00 3i7.oo 39.00 39.00 fT$.00 fb1T.00 IMPORTANT NEWS SLIA/BIMYOf 7RAN&1CTtOMS TQTAL l/IAHHUd/P.4t7,/~MTDUE Previous ~~ . I-) ~ end C4edlls (+} Cash Advaneas (+) Purchases and AdJoa6nsnte ((+~ P~ariodia Rate PiNANCE CHA8gE8 h Ttann~on Fee P~NANCE C11AReES (~ New Baknce Total Rut Due Amount .............. 50. Currant Payment .............. 5328. 59.495.82 SB17.00 $0.00 $78.00 $188.83 50.00 59,157.55 ToUI iVAhiimum Payrtiant Due ..... .......................... $328. FIA+ANCECHARQESCHEDIlCE ceraaponding t3atanos ~~ry Psiotlb Reae Kato Hna~ri~toe darpe Cash Advances A. BALANCE TRANSFERS, CHECKS 0.069150% DLY * • 25.2496 S5, 867.39 B. ATM, BANK ................ O.Ofi9150% DLY * 25.24% 10.00 C. PURCHASES .................. O.Ofi9150% DLY * 25.24% 53,459.01 FOR THIS BlLUA+G PBR/OD.• ' PeriodJc Rate May Vary ANNUAL PERCENTAGE RATE ...................... 2$.2496 /k~ckedwe wntodlo Rare and fYsrraseJbour Fee F7manoa Che~J FOR Ytl~UR SA7ISFACTiON, EVERYHOUR, EVL~RYAAY • Fd' CU8t0ald' Sabafactlal and up m the minute eutane09d ntarmeAon balance, evelebie aedR Pel+ recewed,~ ~ dle dam address hicrmelion, a to request duplceEe • For 7DD_ _{tet~alsranicatlm Device to the Desq ICs, eel 1- 348-3178. . ~' paymanm to BAN(GNm SERVICES. P.O. BO% 15288, IYILNMJGTON, OE • BM~O 52htse8aeredcpreeaved a1nwM ~bbFvv wrile~t hWh'. Mal bifhA inquiias. ~inA B ~K~e ~ ~ eQ' ~,~5. yYLr~e~C,TON. DE 1s8~~5r_rxs. P.O. Y 3035 50F1 3C9 0200 0000 00 M&T Bank Ittellltletleel.leel.ail.e.lttet.ellrtll.lteeie.lell ~~~• B11)71CC11Rfl S$RVIC88 8.0. HOS 15137 PTILYINQTOR. D8 19886-5137 Far aooouM InfOrrnetbn qli 1-8DD-'362-$299 PHM change of eddroea ar near telephone number below Addroas lEWlT1111 ~1lJL.lcJJ BAM~CARD ;~AVCES www ibsr.com CARDHOLDER SINCE 2000 AL~CLYAYIAKa~A 4313 0271 83128498 atr.tEwTnUEttarF tipvatrvr~rrrTU. a~ras/oe $9,496.62 i~617.00 ~~ OFTIK E! ~naaoRncw.+~ v wn» Rar,~vr ~ TRACEY BOWERMASTER 207 St)IITHSIDE DR ~ NEWVILLE PA 17241-$91007 s ~^^ s~ ;~ t~ ) t ) z~ Z1 t]D94966200D617000004313027183126496 Hone phone Wok phone AaeovnlHwnber Lfira GahorCnditA ~~ arts Toadd Due DtreDde 43180271 83126496 s9,2oo.oa so.oo ~ 02H WOB 5617.00 O3/o8A06 wing ITran~ on iNu~mb~er~ ~~~Cateyory~Tyrrsotiana FEBRUARY 20'06 STATEMENT ~ CMrges ~ t~edlte~ 02%01 D/20 VS C OVERLIMITFFEEP[BYM~EE DUE OZ/05 ON BALANCE 9,233.13) TOTAL FOR BILLING CYCLE FROM( 01/13/2006 THROUGH 02/10/2006 YOUR ACCOUNT IS OVERLIMIT. TO AVOID AN OYERLIMIT FEE ON YOUR NEXT STATEMENT, WE MUST RECEIVE A CONFORMING PAYMENT, THAT BRINGS AND KEEPS YOUR ACCOUNT BALANCE BELOW THE CREDIT LINE, WITHIN 20 DAYS OF THE ABOVE STATEMENT CLOSING DATE, AND NOT GO OVERLIMIT AGAIN. 39.00 39.00 s7s.oo so.oo IMPQRTANT NEWS YOU ARE A VALUED CUSTOMER. WE 4fAN1' TO MAKE SURE YOU ARE AWARE THAT WE HAVE NOT RECEIVED YOUR PAYMENT. PLEASE SEAID THE AMGUNT DUE TODAY. IF IT HA5 BEEN MAILED, THANK YOU. suJl~v~y ac m~ara arnnuria TYIfAL ulN/Y1JM PAYAIENTQUF PrevlorN tlaianw () PaymeMa and Q Ad (+) lluh Ad (+) Puekaaea and Ad ~+) Periodb Rob Cf1 ~ (+) T~anaaaYan Fes FtlIAfICE C-tARQE6 (.)New Balanoa Tote! Past DuE Amount .............. S3D0. e vanass pslrwtra ^e11pC8 A tArrrest Paylnset .............. $317. Totd Mtnhnam PaYmsM 59,233.13 50.00 SO.Oti 578.00 5185.48 50.00 $9.498.82 Due .................. ......... 5817. FM(AJVCECHARCiE3C/IEOUlE CorewpondYrq 8alaroe Pubdia ~e a ~ ~~ w C•laporY Paree d ge Rob Fb G ga Casa Advaait~s A. BALANCE TRANSFERS, CHECKS 0.068465% DLY * 24.99% 56.026.24 B. ATM, BANK ................ O.Ob8465% DLY * 24.99% 50.00 C. PURCHASES .................. O.Ob8465% DLY * 24.99% S3,316.17 FOA TN1S BILLING PE1410D.• • Periodk: Rate May Vary ANNUAL PERCENTAGE RATE ..................... 24.999'6 lk+ckrdbei Pevlcd~Sc Reds ~d Treiwofion Fie Fi/raostae r./jsnara.J A?R YCXlRS4T/SFACTION, EVFRYHafJR, E1/FRYL~4Y • far QJatomer Seti9<ecdun and up m the mimrte eutomeasd Idorolatlarl tldrdtlg, balance, avaiable tx Pa>!me~ , pa~mena due die dale en addeae irdormstim, a Go request duplKete a~aenle, cad]:. . fa TDB_ (falacanrtsmicaNart Oavfce Rar tte Deaq mince, tail 1-eau 346.5178. tAei ppeNrtterlts Nt BANt{'.AHD SERVICES, P.O. SOX 15137, VdLMMI~TON, DE 19886-5137. • 8litg ~ pan preserved q1M wTaten tquiry. }Aa1 biThg inquiries, tmisg tam on the beck, and dhe- rlas to wtwccdAn SxrnMFS, P.O, _ X 75026. WIIANGTON. DE 1965030?6. t47 r.19 AdK f~M9 M1Nt M M&T Bank .AOODUNT NUMBER 27/ 8312 6496 4 13 Q 3 CAROMDLDER SINCE ~.,~ 2008 PAYMENT DUE DATE NEW BALANCE TOTAL 02/05/06 38,233.13 TOT MINI PA~~ TI~OSED Make check X900 ~ payable . t~~~D SERVICES 11 P.O. BOX 15288 tiILKINGTON, DE 19886-528$ H TRACEY BOWERMASTER 207 SOUTHSIDE DR NEWUILLE PA 17241-891007 S 000610141000b9Eib600000000000000000000923313000300000004313#27183126446 00004313027183126496 0 0 0 3 0 00 000000f000000923313 S 00031530600026925000000i0 ~~ TT pp ~~ ,, AA ++pp ~~~ ACCOUNT NUMBER CREDIT, LINE CASH OR CREDIT ~Y~ING DATBAYMENT~ PAYMENT DUE 4313 0271 8312 6496 59,200 $.00 33 01/12/06 3300.00 02/05/06 ATE D T ER a J Y 2006 STATEMENT PAYM ANO CRE 0107 028900601011898 Y$ PAYYENf - NET ACCE1i8 271.00 CR 0 ADJUOTMENTO 0112 1290 pip ~ C ~ ~lYfl. F~ (BARED 39.00 ON BALANCE 0,234.4?') TOTAL FOR BIlLINO CYCLE FROM 12l11/2D08 TNROUBH 1//412006 134.0• 5271.00 CR YOUR AOCOVNT 16:OVERUMR. fi0 AVORa AN OVERliNR FEE ON YOUR NOR BTATEIILENi, YYE LLUBT RECEVE A OONFORI`11NG PAYMENT. THAT BRIN08 AND l0=EP0 YOUR ACCOUNT BALJINCE ' BELOW THE CREOR LMIE, WfitNN 2fl DAY'S OF THEA80VE STATEMENT CLOBOYG DATE, AND NOT QO OVERUMRA4IUN. IMPORTANT '""IMPORTANT AMENDMENT"'"" EFFECTIVE THE FIRST DAY FOLLOWING YOUR STATEMENT NEWS CLOSING DATE IN FEBRUARY 2000,1E YOU PAY LATE, THE AMOUNT OF A LATE FEE WILL BE BASED ON YOUR BALANCE ON THE LATE FEE POSTING DATE REMINDER: TO A1rOID A LATE FEE WE MUST RECEIVE EACH TOTAL MINIMUM PAYMENT DUE BY ITS PAYMENT DUE DATE PLAN AHEAD FOR UFE'S UPS AND DOWNS. HELP PROTECT YOUR ACCOUNT TODAYI CALL US A7 188-283.1710. MOVING7 VISIT WWW.IBSNETAOCESS.COM TO CHANGE YOUR ADDRESS AND MOREI Provloua ~ -Payments + Cash + Purchases t Perlodk: Rate t Transadlon =New Balance d>3 a oun 80.00 Balance and Credits Advances mAd}uatments Fiaenoe Ctutryes Finance CharOes Total Current Payment ¢300.00 g9r254.l7 ¢271.00 ¢0.00 839.00 8210.66 ¢0.00 ¢9,233.13 Total Min Payment Dt9t~0.00 Periodic Corresepondlny Balance ~#~'Y Rata Annual Sub}cot to FOR 11F•OUR SATIBFACTION, EVERY HOUR, EVERY DAY Pe ~ Fl 'For our automated Direct Conned service, call ~ A BALANCETRANBFER, CHECK8 .0084089E DLY' !b 114.36 t-800.382 8288 B. ATNI, BANK ....... .0004009E DLY' 24,009E 10.00 - To speak to one at our Customer Sad slactlon roproselltatives, C. PURCFiJ18E8........ .006488%DLY" 24.00% 03,204.46 call t-eoo~35.038t D. GTHER BALANCER...... .0000009E DLY'~ OR00% 00.00 - For TDD (TNecommunlcatlons Device forthe Deaf) F R THZ TEEING PERIOD assistance, tail 24 9JX . ANNUAL P~CENTAGf RATE ... Includes Periodic Rate And Transaction Fee finance Charges) i-800~3483t78 c - Blllln¢ ttgMs are preserved only by written Inquiry. ~Y Ec T ~ , VARY Mail bili{rq in0ufri0s and ail other atoouM Inquiries to: ~ O O~ OX 15048 CAR~Ep CESP ~ L~ K ~~S~~ ORI~ 1~'~ENT ,~ . WILMI M&T Bank CARDHOLDER SINCE 2443 Make check payablflA~~ARD SERVICES BP.O. BOX 15288 idILHINGTON, DS 19886-5288 11 ACCOUNT NUMBER 4313 0271 5312 6486 PAYMENT DUE DWTE 01/07/06 TOTAL MIIJIMUM PA~ NEW BALANCE TOTAL 59,254.47 Li® T 1'~IN&OSED s2T7.oo H TRACEY B~WERMASTER 207 SOUTHSIDE DR NEWVILLE PA 17241-891007 S 00060615b0008061b6000000000000000000009254470002710000043130271a3126i96 S 0003053470002692500000000000000000000092b4470002T10000043130271a3126496 4313 0271 8312 6496 58,200 S.OO 29 12/10/05 $271.00 01/07/06 a R DATE T NiTMBF,R r: CEMBER 2046 STATEMENT PAYMENTS AND CR~TS 1203 357t34~BT00 Y8 PAYAN"NT-THANKYCU 80.00 CR PURCNAOEO AND ADJUOTMEILTS 7270 4870 D120 V8 C ONERLiNET FEE (BASED 39. DO ON BALANCE 0;21E.47) TOTAL FNt SILLNIA CYCLE FROM 11/f2t2DOS TNR0t1aN 12!10!2006 039. oo Oa0 . oo CR YIDUR ACCOUNT 19 dVERLRAIT. TO AVOID AN OV6tL1MR FEE ON YOUR NEXT STATEMENT, YIIE MU87 RECENE A CONFORMNIG ' PAYMENT, THAT SRINOB AND I~EPB YOUR ACCOUNT BALANCE BELOINTNE CREDR LINE, WfTNIN 20 W-YS OF THE ABOVE STATEMENT CLOBIN3 WTE, AN0 NOT ti0 OVERLIMR AQAIN. IMPQRTANT PLAN AHEAD FAR LIFE'S UPS AND DOWNS. HELP PROTECT YOUR ACCOUNT TODAYI NE1N3 caLL us AT t-aee.2sa-alto. MOdiNGT VISfT WWYV.ISSNETACCESS.COtA TO CHANGE YOUR ADDRESS AND MOREI ~revlous -Payments t Casa t Purchases t Periodic Rate t Trensactlon =New Balance as a Otln $0.00 361ance and Credits A,dyan~ ggd)u~~ inanca CharOas Finance Charpee Total urrent Payment $271.00 $9,115.09 $80.00 $0.00 $99.00 $190.44 $0.00 $9,254.47 Otal Mln Payment D»l.ot) ' Periodic Correwponding Balance Cateipory Rata Annual Subled to FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY PerCentege Rate Koonce Charges -For our automated Direct Connect seMCe, tail A. BALANCE TRANSFER, CHEClCB .007780% DLY' 24 T4% 36, 097.31 1.800.ag2.6~ & ATM, BANK ..... _ . .08Tla0% DLY' 24.74% • 0.0• - To speak to one o/ our Customer Satisfaction representatives, R PtJRCW1SEa........ .067780%OLY" 274% 03,Oa2.62 call 1-000-6a5-0991 D. OTHER BALANCES...... .000000% DLY' 00.00% 00.00 nmunicaUOns Device for the Deaf) d e D D FO THIS BILLI G PERIOD y 6YMllAL OEIiGFYTMF QATF 24.7410 Al ~ assist ar ice Rate And Trarusaction Fee illance Charges) 1-600.346-3t76 ~~5~~ ~ -Billing rigMS are preserved Doty by written inquiry. ~ ~~Y VARY Msii O~Iling inquiries and ail otMr account Inquiries to: yy,,pp~~~.~~~~ SANKCARD SERVICES P.O. BOX 15026 Ri'EPSi~J.Y'1'. WILMINGTON DE 16650-5026 M&T Bank CARDHOLDER SINCE 2003 Make check payabl~~D SBRVICSS P.o. Box 15288 WII.liINGTON, AE 19$86-5288 13 4271 $312 6486 12 ACCOUNT NUMBER 4313 0271 8312 6496 PAYMENT DUE DATE NEW BRLf1NGE TOTAL 12/05/05 :8,115.03 TOTAL M NIMUM PA ~ .oBED 575.00 TRACEY BOWERri~ASTER H 207 SOIfThlS I DE DR NEWVILLE PA 17241-891007 5 0006136560006136560000000000000000000091150300007500000431302718312t3496 S 0002992dF00026923000000pp0pp0,,0000000000000911503~0g0007500000I43~13027183126496 LINE CASH OR CREDIT $YING DATEA~~UE PAYMENT Dt 59,200 (84.97 30 11/11/05 $75.00 12/05/05 2005 STATEMENT 1081 IMPOR~s 30444806864 V8 PAYMENT-THANKYOU TOTAL FOR eILLINO CYCLE FROM 10/1aJ2006 TNROUON 11111/2001 PL4N AHEAD FOR LIFE'S UPS AND D01MfS. HELP PROTECT YOUR ACCOUNT TODAYI CALL US RT i~Br~393-4Tt0. MOVlNGT VISIT WWW.IBSNETAOCESS.COM TO CHANGE YOUR ADDRESS AND MOREL 75.00 #.00 075.00 Previous - Payments + Cash t3alance and Credits Adya~ 7}4,129.20 $75.00 $0.00 + Pur+dwses d,AdJustma~s `0.00 + pari0dic Rata F9aanea Catargea :60.x3 + Transaction Finance CAargas 6c-ue = Naw t3alance Total ;9r 115.03 P738t iJtie Amount ;O.oo urrent Payment $76.00 Total Min Payment Dt1~i35.00 PQriodic Cornesepontknq t3alance Calpory Rate Annusl 8ubiact to FOR YOUR SATISFAOTION, EVERY HOUR, EVERY OAY Perantaga Rate Ftnanoe Charges -For our automaiad Direct Connect seMoa, call /l BALANCE TFWlBFEH, CHECKS .00000076 DLY• 00.0096 t_g0ag4p_g~gg $. ATM, BANK ....... .00700896 OLY'" 24.4076 10.00 - To speak to one of our Custortwr SaiisfaiXion raprosantstives, 0. PURCHA8E8........ .06700ti960LY" 24.4096 03,021.94 qii t-eoo-73a3-0~1 0. OTHER BAUtWCEB...... .00000076 DLY' 000096 #0.00 .For TOD (Telacrornmunications Dwica for ttta Dsai) FOR TIiIS BILLING PERIOD 24 49 assistance, ca11 . ANNUAL AERCENT/KiE RATE ... Includes Periodic Rate And Transaction Fee t-8oo~348-St78 finance Charges) ~~ f ~ O ~-Y VARY Bailing rights aro presenNd only bYwrltten inquiry. Mail billing i»qulrles and all other acoouM inquiries to: ` , J1 jj ~F: ~S~ ~ ,,yy~~ ' ' yg OX 13028 E t~ i I 1 ISTF~~1V 1 . DE til~yp WiLM NGTON ACCOUNT NUMBER M&T Bank 4313 0271 8312 6486 CAROFIOLDER SINCE ~jO03 PAYMENT OUE DATE NEW BALANCE TOTAL 1'1106/05 $9, 129.20 fi T MINI S FA T 15~06ED Make check 572 t)0 payabl~ .t.~~ D SBRVICES 11 P.O. BOX 15288 WILMINGTON, DE 19$$6-5288 H TRACEY BOWERMASTER 207 SflUTHSIDE DR NEWVILLE PA 17241-841007 S 000621456000621456000100000000000000004124200000720000043130271831264% 000043130273a31264% 00000000000000912920 07 20 S 00024349900026925000000 0 0 0 0 T~ pp DD ~~ TT A , ~ ACCOUNT NUMBER CREDIT LINE CASH OR CREDIT SY~~ING DATRAYMENTE~ PAYMENT DUE 4313 0271 8312 5486 :8,200 $70.80 28 10/12/08 572.00 ti/o5/OS AT1~ DAT NiJi+ISSR Pe ER 4005 STATEMENT 10D1 27403722851 YS PAYMEM-7'HANKYOti 78.00 CR T0T11Lf01lBfWRIBCYCLEfROM OH~l400STHR000H1011F/2006 l.00 873.00 CR IMpQRTANT PIrrW AHEAD FOR LIFE'S UPS AND DOWNS. HELP PROTECT YOUR ACCOUNT TODAYI NEWS cAli us AT t-sae-~~1o. MOVING? VISIT YWVW.iBSNETACCESS.COM TO GHANQE YOUR A,DORE8S ANO MOREL 193 BRINGS YOU INWNE • ENHANCED DIRECTORY ASSI8TANCE ANO MORE. ACTIVATE TODAY AT WWW.[NFONE.CONVTRYIT AND GET CELL PHONE INSURANCE FOR e0 OAYS AT NO G08T! Previous -Payments + Cash + Purchases + Periadle Rat! t 7ransacblon ~ New Balance aS a oun $0.00 Balance and Credits Advances 8u4d}usimeMS Ftnanoe Charges firwgoe Chereae Total urrent Payment $7.00 $9,119.55 $78.00 $0.00 $0.00 $57.65 $0.00 $9,1x9.20 Otal Min Payment DU~2.00 P odic Corresapondin0 Balance Cste~ory Rate Annual Su~ad to FOR YOUR SATiSFACTIOtI, EVERY HOWL, EVERY DAY Panzrrta0e Raba Fnance Charges -For our automated pirad Connect serNce, call A. BALANCETWINSFER CHECICB .00000096 DLY• 00.00%* ~ t.~~.828e El ATUA, f3AN1C ........ ,007000% DLY• 2•,4096 80.00 - To speak to one at our Custorner Satisfaction roprasantatives, C. PWiCHA$E8........ .06700096 DiLY' 24.48% ;2,962.73 call t-840-830•o58t D. OTIiER 9Al.AMiCEB...... .00000096 OLY• 00:0096 00.00 -For TDD (TWOCOmmunfeatlons Device for the Deed} F R I I ING PERIOD assistance cau , 24.49 AIrH/UAL PERCENT'AOE RATE ... t-BD031Q3f7B Includes Periodic Rate And Transaction Fee finance Charges) Bttting r+gms are presenwd only bywrii~n frpulry. A O r~Y VARY Mall blilirry inqulrios and all other acoeunt inquirta3 to: 130.8 ICE8 z E,y~L- Q ~~ ~~' ' A ~ E N N 1 7:R rS10~V1. W 3028 C ,TON I I DE M&T Bank ACCOUNT NUMBER 4313 0271 8312 6496 CARDHOLDER SINCE 903 PAYMENT DUE DATE NEW BALANCE TOTAL. 10/07/05 i9, 149.55 TOTAL NIMUM PAY~1fAiT OsED Make check ~ 378 00 payabl~D SERVICES 11 P.O. BOX 152$8 WILMINGTON, DE 19886-5288 H TRACEY BOWERMASTER 20T 50UTHSIDE DR NEWVI~.LE PA 17241-891007 S 000628456000628456000000000000000000009149b5000078000004313027183126496 S •0027920200826130M000000000000000000091495500007800088431302718312b496 ACCOUNT NUMBER CREDIT LINE CASH OR CREDIT ~EJ~ING DATBAYI~UE PAYMEfIT DUE 4313 0271 $312 6496 3B,20p 580.45 33 09/13/05 578.00 10/07/05 DATE DAT NUMBER s S EMBER 400b STATEMENT PAYMENT1i AND CR Ti 70.00 CR 0827 23985474153 V8 PAYMENT -THANKYOU PURCNAti~ AND ADJUlTMENTi Gets 0811 Y448801822;710001248831 VS C BAYLOR'8 MARI~T NEIIWILLE PA 40.02 OOOm0T0032~A111Y7000153880 0018 0812 24810406223004000778114 V8 G R0888TOREis 8880 GRLIBLE PA 2b.9b 0019 0818 2445801 V8 C BAYlARB NEI+WIULLE PA 13.44 0013873i208VS1Y4000060164 TOTAL FOR 81LL1110 CYCLE FROM 8/12!2005 TNROUBN 0113/2008 •79.42 070.00 CR IMPORTANT AN IMPORTANT AMENDMENT TO YOUR ACCOUNT TERMS 13 ENCLOSED. NEWS MOVING9 VISIT Wi+fMt.IBSNE7ACCESS.COM TO CHANGE YOUR ADDRESS AND MORE! LEIS BRINGS YOU iNFONE -ENHANCED DIRECTORY ASSISTANCE AND MORE ACTIVATE TODAY AT VWWV.INFONE,COMJTRYIT AND t3ET CELL PHONE INSURANCE FOR 80 DAYS AT NO GOSTI PraNous -Payments + CasD + Purchases + Periodic Rah + Transealon ~ New 8alerlce aS a ~~ 40.00 Balance and crealts Advances aAdiustmards Finance CherOas Finance Clreroes Total urxent payment s7e.oo 59,076.56 $70.00 ¢0.00 $74.12 x63.55 >f0.90 49.219.55 otal Min Pa ant Dt>$6.00 Periodic Correseponding eejanoe Catelyory Rah Annw1 Su~ect 1o FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY Peroentege Rsh Finance Ctrsrpes -Far our automated Dinet ConnaG servioa, call A. BALANC~7RANBFER, CHECIW .000000!6 DLY" 040096 i-800302~6~a0 8. AT1A, BANK ....... .00041096 DLY" 24.24% 10.00 - To speak Eo one of our Customer SaHstsction reprssente0ves, R PURCitAe68........ .088410%DLY" 21.24% 02,899.67 call i-600-633-0691 D. OTHER BAUINCE$...... .00000096 DLY°' 0400% 00.00 R IS BILLING PERIOD - ~ ~~~e~leoimmunieations Device torthe Dear) ° K UAL PERCENTARiE RATE .. _ 24.24 Includes Periodic Rate And Transaction Fee finance Charges) 1'6°°-3ne's»6 - Billing rights era prsserwd Doty ny written irpuiry. ,~Y YARY Mall billing inquiries arW all other account inquiries to: ~~ jj II 13028 EE C~SY I ~' TT , E I ' K ~ lSCSO:I~ 18950 5028 N GT°N DE . . W{LMI M&T Bank A~ NT NUMBER 4313 0271 8312 6486 CARDFIGLDER SINCE $pp$ PAYMENT DUE DAB NEW BALANCE TOTAL Os/o6/os sa,078.58 TOTAL MINIMUM PAY~IDHT~OSED Make check 564 00 . ~ayabl~~~D SERVICES 11 P.O. BOX 152$8 WILtiINGTON, DE 1988b-528$ H TRACEY BOwERMASTER 207 50UTH5IDE DR NEWVIILE PA 17241-$91007 S 00063345600063395600000000000000000000907656000064000004313027183126496 027163126496 0080000000000407658 00 0 43 13 S 00022399300021103900000 0 0 0 0 006400 TT pp pp pp ,, TT ~ ~ g ~ N ACCOUNT NUMSSR CREDIT LINE CASH OR CREDIT HY~~ING DATEAY~ DUE PAYMENT DUE 4313 0271 8312 6496 59,200 5123.42 29 08/11/05 164.00 09/08/05 TE T ER is T 2006 STATEMENT PAYMENSi AND CREDITi 0004 41062f88887 V8 PAYMENT-THANKYOV 55.00 CR PURCNAOE6 AND ADJU6TMENTi 0718 0716 24802166100000724707617 YS C ESI WIAII PF1AR1tAACY 8 800-4b14iP45 PA 196.87 ' 27 0187001 0718 0718 24155015108710002742811 VS C HESS 86487 LANCASTER PA 25.00 01882748267V71YT0001301160 0710 0717 24076605190626400260147 V8 C PRINCEeS BAY88)E FB 410.72000 Rld 25.34 0722 0740 E4466016S02T1000.9871891 V8 C WAWAif276 lJWCABTER PA 17.00 OGLO1086047Bd11Y700088811G 0724 0741 2418f0762Q2408984800417 VS G 0483 ~tTZ 00004884 CARLISLE PA 34.00 0720 0747 2148801320071000118367b VS c 6AYLOR'81i1AR10:T NEWVILLE PA 20.00 000®6700044Ar11t?00006604+1 0005 0809 2446801ttQ1 871 0001 19f888 V8 C 8AYLOR'BMARIOrT NEWVILLE PA 33.1b OOtIZ0700824V11Y7000102260 0800 0808 24436868Q180032178J0836 VS G WINEd~8PNbf112108 BHIFPENSBUt1GPA 42.23 0800 0006 24446008R18206~T0@07si7 VS C SHIPPENBBUII3 BEVERAGE SHIPPENBBURii PA 60.00 0800 0800 24453p1321804000728t18.72 V8 C BAYLCRB NEWVIULLE PA 20.53 061867S228SNS1Y40000487l0 IMPORTANT PLAN AHFAD FOR LIFE'S UPS AND DOWNS. HELP PROTECT YOUR IBS CARD NEWS ACCOUNT TODAYI CALL i-888-280.4710. MOVING? ViSiT 4NM+V.IBSNETACCE53.COM TO CHANGE YOUR ADDRESS AND MOREI PrsWoua Payments + Cash Balance d + Purchases + Periodic Rate + Transaction = Naw Balance a7S a un $0.00 an Crodlts A~an~ 8pdjustmants fiaanoe GharOas finaace CMryes Total Current Payment $68.00 $8.574,44 $55.00 $0.00 $502.69 $f9.f0 '$0.00 89,076.50 Total Min Payment DUESf.oo Pertodlc C.ornsepond'nq Bslanw «t ' ~or Y Rate Annual 3ub)act to FOR YOUR SATISFACTION, EVERY HOUR, EVERY DWY Peroantage Rate Flnance Charges -For our automatfd Direct Connect service, Lail A, BALANCE:TRANSFER, CHECKS .000000!6 DLY" OR0096 1.800, 8. ATIA BANK ....... .006728% DLY+ 23.8896 10.00 - To speak to one of our Customer Satis/actton representatlves, C PURCHASEB + . ........ .OOSTZ09i DLY 28.8896 !2,591.69 call t-800.833.0581 c. oT-N:R BAUwcEe...... .00000096 DLY• oao0% se . 0 0 FOR S LLING PERIOD -Far TDD tTaleeommunications Dawoe for the Deaf} 23.99X assistants, call NNUAL PERCENTAGE RATE .. , t-800.3463178 Includes Periodic Rate And Transactio Fee 1nanCe ChargeB } Billing rigMS are preserved only try written inquiry. A ~ f Ojr$ ~ _Iliy VARY Mail billing inquiries and atl other aotount inquiries to: I , ~ ,1 E_ ~ ~ BANKCARD SERVICES P.O. BOX 13028 E S I,O ~ R iI OR Cx Y I D r!'1~ '~l"~NT , . wiLMINGTav, DE taeso-,so26 M&T B k Aooo NT NUMBER an 4313 4271 9312 6496 CAROHDLDER SINCE 20Q4 PAYMENT DUE DATE NEW BALANCE TpTAL 09/08/05 59,076.88 TOTAL M NIM(3M PA~IEIT EIM&osED Make check payabl ~~Q ~ ' ' ~ARD E ss4.oo / f[ IA S RVICES 11 P.O. BOS 15288 WILHINGTOK, DS 19886-5288 " TRACEY BOWERMASTER 207 SOVTHSIDE DR NEWVILLE PA 17241-891007 S 00163395600063395600000000000000000000907658000064000004313027183126496 S 00022399300021103900000000000000000000907b58000064000004313027183126496 ACCOUNT NUMBER CREDIT LINE CASH QR CREDIT SY~i'~ING DATEA~~I~UE PAYMEAtT DLIE 4313 0271 9312 6496 59,200 ;123.42 29 09/11/05 564.00 09/09/05 DATE T NUMBER ~ ALI~JST 2006 STATEMENT PURCNiiOEi AND ADJUOTNRNTE 0011 0000 24403006222221000517010 VS C GREAT WALL BUFFET CARLNILE PA 28.57 TOTAL FOR OILLIMO CYCLE FROM 7/14/2005 TNROUON 8H 1!2005 1502.69 055.00 C1t IMPORTANT ' NEWS Previous Balance - PaymaMS + Cash andCrodits + Purchases + periodic Rata + TronsacHon = NMN Balance ast a oun go.oo Advances, )ustments FinaaceCAargea FinanoeChafgK Twat urrent Payment 66a.oo ¢8,579.49 655.00 60.00 6sos.s9 649.a0 '0.00 $9,076,58 otal Min Pa yment Dufasa.oa Pwlodic Cat~orY Rate Corresepondlnq 9alanCe Annual Subjvet to F+OR YOUR SATISFACTION, EVERY HOUR, EVERY DAY A BALANCETRANSFER, CHECIGS .00000076 DLY• Parcanta0e Rate Flnanoe Charges -For our auComated Direct Connell service, catl 00 0096 B. ATi~ BANK ....... .000720% DLY" O PURCHASE'8 + . t~0,3g2,g~g 28.00% 00.00 - 7o speak to one of our Custame- Satisfaction represanfatives, ........ .08672076 DLY D. OT1lER BALAFICES...... .000000% DLY" 23.0096 02~592.b9 ca11 t-800-8325-068t 00:00% 00.00 BIL ING P IOD - wr TDO (Telacommunicatlons Device for the Dsaty ANNUAL ~RCENTAOE RA1TE ... assistance, calf 2$ . ~9~ (Inc udes Perioda.c Rate And Tran t-8oo346~178 saction Fee finance Charges) ~ ~~~ ~ ybywrtttenlnquiry. - t3illing rights an Droservad onl ,~Y VARY Mali bUlirq irquirles and alt other aeoount irpuiries to: 'y ~$f ~ s ~ BOX 15028 O ONEDE CES K ` "U ~ ~ ~~'. WILM INGT A~GCOUNT NUMBER M&T Bank 4313 0271 8312 6496 CARDHDLDER SINCE j00g PAYMENT DUE DATE NEW BALANCE TOTAL 08j06/05 $8,579.49 TOTAL MINIMUM PA7~81 T B ED Make check $38 ~ payable.t,Q~D S A N R SERVICES 11 P . O . BOX 15288 wII.t~SINGTON, DE 19886-5288 " TRACEY BOWERMASTER 207 SOUTHSIDE DR NEWVILLE PA 17241-891007 S 00054145600064145600000000000000000000a57949000055000004313027133126+F96 S 00015%3900015009300000 0 000 0 0000000357949 3027183126496 00 0 50 00 0 0 4 3I 0 0 0 05 pp AA yy gg ~ N T p ~ A L M ~ y T ~ 1 ACCOUNT NUMBER CREDIT LINE CASH OR CREDIT $YMbEING DATBAYMBNTIDUE M PAYMENT DUE 4313 0271 8312 6486 $9,200 $520.51 30 07/13/05 $58.00 08j06/05 TE DAT ER i ~ JULY 2005 STATEMENT PAYM Ti AND CREDITS o0R4 4750Q@8d2d6 YS PAYMENT-THANKYOU 75.00 CR PURCNAOBi AND ADJIIiTNIENTi 0018 0017 2476641180121000272087 Y8 C CA8R10 JEYMElERB YYILOWOOD NJ 24.35 0814 0817 24221486180pza66000014i V8 C LC E.SPORTaWEAR WILDWOOD NJ 25.06 0020 0010 Y400~D6170000771p100@00 V8 C JIIAMYTtR: FIOHERMAN'S WILDNYOOD NJ 115.75 0020 0017 24240646100208100800166 Y8 C FORTUNE SPORT'BNIEAR WILOWOOD NJ 85.95 0020 0010 240001206470000011300081 V8 C ATLANTIC PARABAiI CAPE MAY NJ 135.00 0702 0000 24466015182710002041007 YS C HE8800207 LANCABTER PA 19.00 01d62720287if11Y70006T0006 0702 0701 24466045102140000064810 V8 C WAL-MART~Y2S00 BERLIN 610 102.43 006160623dORC1YW064770751 O7D6 0701 24470006402000010000484 Y8 ~C 8A08Y 8EAR11YVEAR OCEAN CITY MD 32.55 0706 0702 2447000618400001040084'1 VB C SA98Y BEAC1fYVEAR OCEAN CITY MD 40.92 0700 0704 24466016488710005.943004 YB c WAWA aib68 w Ot.EAN CITY MD 20. of 02040080668Y11Y7000210108 TOTAL FBI BRIJNB CYCLE FROM 0111/200;1 TNROUON 7l101Z00'J 1601.46 175.00 CR IMPORTANT PLAN AHEAD FOR LIFE'S UPS AND OORNNS. HELP PROTECT YOUR IBS CARD NEWS AOCOUNT TODAY) CALL 180-2934710. MOVING? VISIT WWVY,IBSNETACCESS.COM TO CHANGE YOUR ADDRESS AND MOREI ACT NOWT CONSOLIDATE OTHER CREDIT CARD BALANCES TO YOUR ACCOUNT BY USING CREDIT CARD ACCESS CHECKS OR CALL f-800.6448775. Preulous eafance -Payments + Cash + Purchases + Periodic Race + Tranasction =New BplanOe ast @ otm 60.00 and Credits A~~g gAdly~p~ Finance Charges Flrance Chergee Total urrent Payment x55.00 66.012.95 $75.00 E0.00 $401.66 640.08 $0.00 18.579.49 otal Min Payment Dtlgrs.oa CAteparyr PRads~ ~ Ane nwidi~ sugiectiv FOR YOUR SATISFACTION, EVERY HO1JR, EVERY 0AY Parcerrtage Rate Flnance Charges -For our automated Direct Connect saMOe, call A. BALANCETRANBFER, CHECK .000000%OLY• OQ00% 1.800-~-B299 &. AT6i, BANK ....... .086041% DLY" 2974% 10.00 - To speak to one odour Customer Satisfaction re9recentatives, C PURCIlA8E8 " ~ . ........ .086041%OLY 23.74% 12,064.25 cail t-800.6330581 O.OTHER 8ALAIIC~.. - . - . .000000!6 DLY+ OQ.00% 10.00 R THIS BILLING PIItIOD -For TDD {Teieoommunl+;stions Device Tor the oast) 23.74 assistance, `all UAL PERCENTAGE RATE ... 1-8043483178 i Includes Periodic Rate And Transaction Fee finance Charges) - Bluing rights are preserved only bywritt4n inquiry. A © ~Y YARY Ma11 Wiling inquiries and ali other aeoount inquiries ta: ZZ IGES 15026 T ~CIt S I GT E SzA7T. IwLMI ON DE M&T Bank ACCOUNT NUMBER ~~ 4313 0271 8312 6496 PAYMENT DUE DATE NEW BALANCE TOTAL CARGMDLOER SINCE ZOOS 012.85 07/08!05 Se, TOTAL MINIMtTM PAYJiO '®T BfRSOSED Make check ;a7.Qo payabl~~~ SERVICES 11 P.O. BOR 15288 wii.Kixc~rox, nE 19886-5288 H TRACEY BOWERMASTER 207 SOUTHSIDE DR NEWVILL_E PA 17241-841007 s ooos~r>~5eeoo~~oeroooooeooooo0oooooso1295ooou,7oooooa31aoz7ias12~96 4313027183126496 1000 00 14 70 0000S01295 @ 0 90 0 0 00 S 00014S659o001'.i89S900600 40 0 0 DD AA yy gg ~~ ~~ __ ~~77 I ~ p A , ~ ~ ACCOUNT NUMBER CREDIT LINT CASH OR CREDIT ~3iSLEA'Ni~+ING DATEA~MEN'P~IIE PAYMENT DUE 4313 0271 8312 6496 69.200 :1,187,05 32 06j13/OS E47.00 07/OB/05 w ATE DAT NUMBER vc 2006 STATENlNT PA E11 A CREDITS 50 . •0 CR 0904 1fS63fS0.~7 1r8 PAYMEM-TWWKYOU PURCNASES AND ADJUSTMENTS 0618 0611 24300886i328703S78+N1070 YS C NATIONALAgU{ARIUNl618BALTIYORE MD 11.54 0618 0611 24.9008461n67033784800Z YS C NATIONALAOUARIUN+N.i108ALTINORE MO 20.49 0628 06@1 24240515142067717900026 Y8 C YOUR FWRSARE NUYBEAE NENNILLE PA Sb.81 TOTAL FOR SILLINB CYCLE FROM 6/15/2005 TNROUBN 0!10/2005 1119.34 850.00 CR IMPORTANT ACT NOWT CONSOLiOATE OTHER CREDIT CARD BALANCES TO YOUR ACCOUNT N~$ BY USING CREmT CARD AOCESS CHECKS OR CALL 1-0000775. MOVING? VISIT WiNYY.IBSI~TACCESS.COM TO CHANGE YOUR ADDRESS AND MORE! ~~_ Provious -Payments + Caah + Purchases + Periodic Rata + Tronsaetion =New Balance aS a Otln~ ;0.00 Balance and Credka Advances mAdJustmerns Finance Cfharpae FIn•r~os Cheryes Total rrent Payment ;47.00 !}7,911.15 ¢50.00 ;0.00 ;119.58 E32_46 ;0.00 ;8,012.95 Total Min Payment Dt3pT.00 Parfodic Corrasepondirq 8alatr~e Cat~yory Rata Annual SubJeet to FOR YOUR SJ1T18FACTNNI, EVERY HOUR, EVERY DAY Parwntape Rata Finanoe Charges ~ -For our au0omatad Direct Connect service. tsN A BALANCETRANSFER, CHECKS .000000%DLYR 00.00% i~pp.36p.g2gg B. ATV, BANK . , ..... .005047% DLY 43.74% 80.80 - To speak to one M our Customs Satisfaction ropresentativas, QPURCHASE~........ .005041%DLY" 26.74% 81,559.72 calf t-eoo-e3sosel D. OTHER BALANCES...... .000000% DLY' 00.00% 80.80 - For TDD (Telacommuniaations Dwice tortha Dean FOR THIS BILLING PERIOD assistance, cal! 23 74~ . ANNUAL PERCENTAGE Rl~TE ... Includes Periodic Rate And Transaction Fee finance Charges) 1-e°a3ae-~~~s T A }-0 -Billing rights aro preserved only ty written inquiry. a coou~tt inquiries to: Y Mali bI lf ~ ~ I S EiAJVKCARO SERVICES P.O. BOX 15020 ~~~K~ ~~ ~R 8 WILMiNGTON DE i M&T Bank Make check payabl~.t~~D SBRVICBS PAA.NNOKK BOX 15288 WILMINGTON, DE 1988b-52$8 4313 0271 8312 6496 CAItDFIDLDER SINCE 4003 11 AOGOUNT NUMBER 4313 0271 8312 6496 . PAYMENT DUE DATE • • NEW BALANCE TOTAL 06/fl8/05 ;7.911.iS TOTAL MINIMUAi PAYi~T s OSED $41.00 TRACEY BOWERMASTER H 207 SOUTHSIDE DR NEWVILLE PA 17241-891007 S 0006654560006654560000000000000000000079111500004300000431302718312b446 S 00014198,500113095900000Dp00A~0000000000000791115~~0bb00043000004313027183124496 CNE CASH OR CREDIT SY~ING DATEA~I~ PAYMENT DUE 8,200 $1,288. B5 29 05/12/05 $41.00 06/08/05 STATEMENT 0427 I'lMPORTANT NEWS 117800811478 V8 PAYiiIENf-Tt1ANKYlDU TOTAL fOR BILLING CYCLE FROM 1/14/2006 TNROUSN 511212006 PLAN AHEAD FOR LIFE"S UPS ANp DOWNS. HELP PROTECT YOUR IBS CARD ACCOUNT TOOAYF CALL i-tIBB-283.4710. ACT NOW! OONSOLiDATE OTHER CREDIT CARD BALANCES TO YOUR ACCOUNT ElY USINr3 CREDIT CARD ACCESS CNECKS OR CALL 1-80?80ab775. 190.00 0.00 1190.00 PreViOtls -Payments + Gash + Pluchalias + Periodic Race + Transaction =New 8aianoe P8St Due AIIlOtliit ¢0.00 Galanoe and Credits Advances OAdJuatments Fiasnce ChatOes Flnanee CUarpee Total Current Payment $41.00 ¢8,07{.{I $190.00 ¢0.00 ¢0.00 ¢26.74 ¢0.00 ¢7.911.15 Total Min Payment DLL$1.00 Penoaio Csteyory Rabe Corn Ann w d~~ Su~bJect to -^• ~- FAR YdUR 8AT1SF11CTION, EVERY HOUR, EVERY DAY Peraentege Rate Finance Charges -For our aufamated Direst Connect service, call A. BALANCE TRANSFER, CHECKS .000000% DLY" 00.0046 t_e00-342~29e B. ATAA, BANK ....... .084380% DLY" 2.1.4046 00.04 - To speak to one of our Customer Sati sfadion representativts, C. PURCtiA8E8........ .08486896 DLY" D OTHER BALANCER...... .000000% DLY" 28.4046 00.00% 01432.72 00.00 call t-800.835.0681 FOR THIS BILLING PERIOD - For TDO (Telecommunlcatlons Device for the Deaf) NUAL PERCENTAtiE RATE . _ . 2s . 49X assistanee, can Includes Pe riodic Ra t e A n d Tran saction Fee finance Charges) t-800344-3178 p [ ? }$ ~~¢ l O Y VARY - 8iilin9 rlgMS are preserved only by written Inquiry. -ulall tNlling inquiries and all other aooouM irpuiries to: $E 2 = $ $ $ W~~CK ON YU I f~~~~ " f .f^:N'I' BANKCARD $t:RVtCES P.O. BOX 15020 P ~ • WILMINf3TON DE 18860.5024 ACOOUNT NUMBER 4313 0271 8312 6495 M&T Bank PAYMENT DUE DATE Nl:1M CARDHDL~R SINC! 2008 05/07/05 :8,074.4 TOTAL MINI PA7~OSED Make check ;ts1.00 payabl~CARD SERVICES 11 P.O. BOX 15288 . wII.?[IKGTON DE 19886-5288 , TRACEY BOWERMASTER 207 50UTHSIDE DR NEWVILLE PA 17241-8910Q7 3 00000000000000000000000000000000000000807441000183000004313027183I26496 431502718312b496 0000 0 0 16 18 0 S 0001336300001Z3E3200000000000000000000807441 I T p T A L ~g NT DUE T~IIE PAYMT ~ s ING DATEAYMEN ACCOUNT NUMBER CREDIT LINE CASH OR CREDIT 4313 0271 8312 6496 59,200 51.125.39 33 04/13/05 3181.00 05/07/05 ATE DAT ER E A JIPRIL 2005 STATEMENT D 7b.00 CR 0343 0823 113116H VS q6 HOUDAY ~ATE 0020 7 V8 KMART 000078018HIPPEN86URO PA 7.49 CR 0404 OOg80607408 Y8 PAYI~Nf'-THANKYOU .50.00 CR CABN AOYAIICETRANiACTKINB 0324 OS21 843130P.~008000110284080 VB A CHECK CHECK # 051028 2,166.01 0824 0021 8481J028000000118284088 V8 A CHEK:KTAANBACTKIIV FEE 50.00 0026 0028 04818026084000118484712 VS A CHECI( CHECK #061022 1,130.77 0823 0.923 84310026084000118404712 OV8 A CHECKTRANBACTION FEE 33.92 0326 03E9 84318086064000118484002 V8 A CHECK CHEOK #061021 1,449. b2 0826 0988 84310086004000118404002 V8 A CHEI;ICTRAN8ACT10N FEE 43 •'~ 0418 0108 04010086108000127180757 V0 A SEARS CHECKiM 608313 1,780.7b 0418• ' 0400 84018048108000127130767 V8 A CHEi3KTRAN0ART10M FEE 50.00 PURCNAfEi ARD AOriUOTMERTB 0312 0310 24300006070000780D00472 YO C KWIFfr 000070018HIPPENBi'AJRQ PA 81.19 0318 0814 24486015073140008878107 YS C WALaiIARi STORES, iN CJ-RFJBLE PA 47.09 1 18 HILL RA 28.00 0318 0318 24786426077100778843010 V8 C PHA18 Ffi1C CAMP HILL CAtAP TOTAL FaR BILUNB CYCLE fROM 3J1?/Z006 THROUGH 4/1812005 96,860.84 1132.99 CR IMPORTANT ENJOY THE t~NVENIENCE AND FLEXIBILITY THE ENCLOSED CHECKS OFFER. NEWS PLAN AH64Q FOR LIFE'S UPS AND DOWNS. HELP PROTECT YOUR IBS CARD ACCOUNT TODAYI CALL 1-888-2ri3-4710. PAY YOUR CREDtT CARD BILL ONLINE. VISIT WilVW.IBSNETAt;CtSS.ODdA TOOAYI VISIT WNNV.IBSNt=fACCE33.COM TO TRANSFER YOUR HIGH-RATE CREDIT CARD BALANCES. TO YOUR ACCOUNT. IT'S A FAST AND CONVENIENT WAY TO SAVE MONEY. Provlous - Psynronts + Cash + Purchaxs + Periodic Rate + Transaction = Naw i3aianea SSt ile 01131 So_00 8afance andcredtts Adyan~5 aAdiustments FinanceCiaryss FinanceCharyes Tote! rrent Payment gisl.oo ;1,316.90 8132.99 gs,s47.iti glse.as gso.sa g>.7T.4o ge,o74.a1 otal Min Fa ent Drt~l.oo Catemor•y PRate~ ~ ~n ald~~ Sub1eetto FOR YOUR SATI8FACTION, EVERY HOUR, EVERY DJ1Y Percentage Rate Finance Charges -For our auEOmated Direct Connect service, call A BALANCE TRAN8FER, CHECK .000000% OLY' 00.0096 ~ 1-800.382-8298 B. ATµ BANK ....... .084060%DLY* 28.40% +10.00 - To speak to one of our Customer Satisfaction repnaserMatives, C. PUiiCHASES...... , . .00406896 OLY• 43.4,196 !1,424.76 call 1-800-835-0.iei D. OTHERBALANCEO...... .00000096DLY" 00.00% 00.00 -For TDD f7eiecommurucations Device for tM Deaf? R THI BILLIN PERIOD assistance, tail 3 4 3~'~ VERCENTA(;~ RATE ... • i-coo-sa8-st78 Includes Periodic Rate And Transaction Fee finance Charges) - Blliing Hghts aro pntsenred oniy by written Inquiry. A ~~ O ,~Y VARY Mail billing inquiries and ali other acoouM Inqulrles to: ~ ~~ Y~~ EE II pp r 8o28~ 15028 NEDE11889D ~CK I ~ ~' ~ GT - a rJ•; . WItJNI O ACCOUNT NUPotBER M&T Bank 4313 0271 6312 6488 PAYMENT DUE DATE NE'N BALANCE TOTAL CAROIiDLDER SINGE 2008 04/08105 St,316.30 TOTAL MINI P ~T OSEO Make check ;28.00 pay~l$A~~ARD SERVICES 11 P.O. BOX 15288 WILtiINGTON, DE 19886-52$8 TRACFY BOWERMASTER ~QT ggOUTHSIDE DR NEWVIILE PA 1T241-891007 S •0000000008000000000008000000000000000131530000029000004313027183126495 S 00013s03080043010bl00000000000000000001315300000240000043130271a3125445 G DATBA~I~ PAYMENT DUE ~ BLEIN ACCOUNT NUMBER CREDIT LINE CASH OR CREDIT 4313 0271 8312 6496 59,200 ;7,883.70 29 03/11/05 328.00 04/08/08 TE DAT R e s Z00lf STATEMENT AYRIEMiSA CREtRTi 0603 08R8'1014802 t18 PAYI/ENT-THANKYOU 100.00 CR 000 566068171310067 V$ Pilif FROM BKL PIiYER8ERVIQE 3,226.00 CR PURCNAS~ afro aarURTMEaTa 0211 0210 24ti~6604186011686~SS Y8 0 WALgi1F~T8UPERCIAfi CAALIBIE PA ~ b9.14 02'16 0213 242i062'f0463t7382'J41000 113 C GIa'tNT f00D $TOiIEBl6 MEDWINICSBUR PA 24.51 X16 0214 7867006 V8 C WALIiiARTBUPERCEM C11RlIBI.E PA 44.37 TOTAL POR NLLINB CYCLE FROM ~h112006 TiiROt10N 8111/2006 3178.02 !8,320.00 CR CONGRATULATIONSI YOUR CREDIT LIMtT HAS BEEN INCREASED TO 59200.00• IMPORTANT ENJOY THE OONVENiENCE ANO FLEXI81LiTY THE ENCLOSED CHECKS OFFER. NEWS PAY YOUR CREDiT CARD BILL ONLINE. VISIT WWW.IBSNETACCESS.ODfvA TODu0.Y1 VISIT WNW.iBSNETAiGCESS.COM TO TRANSFER YOUR HI<3FI-RATE CREDIT CARD 8/1LIINCES TO YOUR ACCOUNT. IT S A FAST AND CONVENIENT WAY TO SAVE MONEY. ACT NOW! CONSOLIDATE OTHER CREDIT CARD 6ALANCt~ TO YOUR ACCOUNT BY USING CREDIT CARD lvOCESS CHECKS OR CAA1 1.000.980.0775. Pra++lous -Payments + Cash t Purchases + Perioctc Rate + Transaction ~ Haw Balance 83 !E OL1nt ;0.00 8alanu and Credtt3 Advanoss BAGustmeMS Finance CAerlaes -inanoe Cherpas Tartal urrent Payment $29.00 $i, 390.80 63, 3$0.00 $0.00 5179.02 ;77.98 10.00 61.316.50 oral Min Payment DI3~9.00 Periodlo Corrsseponding 13alanoa Cat~pory Rata Annual subject tb FOR YOUR SATISFAiCT10N, EVERY HOUR, EVERY DAY Perceraage Rate F4nanx Charges ~ -For our automateC Direct Connect service, call A. BALANCETFWiBFER, CltECKB .00000096 DLY" 00.0096 t-ODO-s82~298 B. ATIM, itU1NK........ .08567191 DLY' 23.24% 30.00 - To speak t4 one d our Customer Satisfaction representatives, C. PURCFIA8E8........ .088671%OLY~ Y5.24% 04223.09 call t-600-835~058~ a oTHiER eALAricES...... .00000096 DLr uaoo% s / . o/ -For TDD {7eteoommunications Devine for the Deaf) ~ assistance, tali L ING ERIOD 23 24 . UAL PERCENTAGE RAiTE ... 1-900.34i~3t79 (IAciudes Periodic Rate And Transaction Fee finance c°harges? •BiliingrightsarepreserveaaniyOywrittenfnquiry. ~ Maii bii ~ ~ONE~I'ICES~~~t3CDt i50~ ides to: ~~~~r ~ ~ i,L3CK ACCOUNT NUMBER &T ~~~ 4313 0271 8312 8496 PAYMENT WE DATE NEW LANCE TOTAL CARDNQLOER siNGE coos 03!08!0'3 f4,3t3G.3a AL MII;TIMUM PA T DOSED Make check (94..00 payabl~~ SERYICSS 11 P.O. BOX 15288 WILMINGTON, DE 19886-5288 TRACEY BDwERMASTER 247 $$OUTHSIDE DR NEWVILLE PA 17241-891007 S 800000000000000000800000000000000000004380300000940000043130271b3126496 138271831264% 43 0009400088 8 0000000000438830 0 0 0 0 S 800426623080417623180000 yy ~g ._ pp ,, I ~ T p NG DATEA~I~UE PAYME2IT DUE ~ ygY.EI ACCOUNT NUMBER CREDIT LINE CASH OR CREDIT 4313 0271 8312 6496 (7,600 (3.219.70 29 02/t0/05 $84.00 03/06/05 ATE AT ER PE Y 30016 STATElBEM PAYOINiNTRA010 140.00 CR 01St 0180 Ot8t0608Y88188 V6 PAYMEtBf-THANKYOU PURCNA~ AMD AD,RfiTMENii 51 97 . Otto 0118 24485860011000018200740 VS C tIIIINEiOPIR(T82110 CARLISLE PA 41 65 . 0204 0202 24456013034140008085080 YS C YVAL•IilARr8i0111?8, IN BHIPPEN88URQ PA 0061506636/QC1YW000100708 17 44 . 0207 t>Q06 24408096087030000600408 V8 C BCALL~ 1NC CAALRILE PA TOTAL PDR BILUIN CYCLE FININI 1110/2005 TNROU6N 2!10/x005 0134.82 !100.00 CR ttrAPORTANT ENJOY THE CONVENIENCE AND PLExiBILITY 7HE ENCLOSED CHECKS OFFER. Nt:ws PAY YOUR CREDIT CARD BELL ONLINE. ViSiT WWiAf.IBSNETAOCESS.COM TODAYI VISIT WiNW.IBSNETAGCESS.COM 70 TRANSFER YOUR HIGH-RATE CREDIT CARD EJ+LAt+ICE5 TO YOUR ACCOUNT. IT'S A FAST ANO OONVENIENT WAY TO SAYE MONEY. ACT NOWT CONSOLIDATE OTHER CREDIT CRRD BALANCES TO YOUR ACCOUNt BY USING CREDIT CARD ACCESS CHECKS OR CALL t~00.880~8775. Previous - PIn/mants + Cash + Purchesas + Pq'lodlc Rats t Transaction s New Balanoa a8 a nount ¢0.00 Balanoa and Credits Advances O~Adjustntems Finance CharOes fln9nw ClarOes Total CLtXrent Payment $94.00 $f,2bb.23 $100.00 $0,00 ¢134.02 ¢79.25 ¢0.00 ¢4.900_30 Total Min Payment Dtl#94.00 Parlodic Carosepondlnq Bafanca Ca'keOpry Rate Annual Subject to FOR YOUR BATtSFACTiON, EVERY HOUR, EVERY DAY Penosntags Rata Finance Charges -For our automated Dlnxt Connect ssrvlce, call l4 BALANCE TRANSFER CNECICB .000000% DLW 00.00% t-800-3ti2.628e B. ATM, BANK ...... _ .000000% DLY' 22.00% 00.00 - To speak to one of our Custonwr Satl sfaetlon representatives, C. PURCHASER........ .OOP008%OLY'" 2200% 04330.93 call 1-800-89SA5B1 D. OTHER BALANCE$...... .000OOD% DLY" 00.00% 00.0• -For TDD (Telecommunications Device far the naafj FOR THIS LLI G PERIOD 22 99~ assistance, tail UAL pERCENTAtiE RATE ... t-800.3463178 na riodic Rate And Transaction Fee i Includes P nce Charges) Blilinq rlgMS arc preserved only bywMttan Inquiry. e Y A RY Malt M IC ~PeO. BOXm~ irias to: RY E ~ NGT K ~ ~ S O `I ` E D y WIIJut ON t l I A`lL2 Y V ~ M&T Bank Make che-c~tki~ ~8y~1BAd1CGARD SERVICES P.o. Box 15288 WiLlIixGTOx, DB 1988b-5288 (ACCOUNT NUMBER 4313 0271 8312 6496 CARDHOLDER SINCE X003 11 ACOOUNT NUMBER 313 0271 8312 6486 ~^ PAYMENT DUE t7iATE NEW BALANCE TOTAL 02/05/OS $4.166.23 TOTAL MINIMUM PA`~ODT s~ $95.00 TRACEY BOWERMASTER 207 SOUTHSiDE DR NEWVILLE PA 17241-891007 S 1000000000000000000@000000000800000000426i23000095008004313027183126496 S 000398597000393235000000000000II0NN0000000426i23~0p0i0950000N8I43~130271a312649i LINE CASH OR CREDIT ~F~ING DATEA~IDUE PAYMEtdT I $7,600 $3,333.77 32 01/12/05 $95.00 02/05/0 TE ~nAT~NUMBER ~r-¢t ~ JANUARY 2004 STAT_EOENT ~ ~ PAYM C TS 1280 9&9603104 V8 PAYMENT-THANKYOU 600.00 CA 1214 1212 24715619484610'1912890324 Y8 C PHAVEN FARM NEWVILLE PA 51.00 1216 121, 24,999004849608131684735 VB C VALUECf1Y 00001806CHAMBERSBURt3PA 24.22 121 a 121 S 24446004849012784780699 VS C CIALRE'S BOUTIQUES 541 CHAMBERSBtRit3 PA 23.32 1216 1243 24184074349286714940084 V8 C NIALDENBOOKB 01011493CHANBE3168UFKi PA 33.82 1215 1213 2449398434981T0011a736T YS C C~TOPHERBBANK8f4TT CHAMBER66UR0 PA 40.00 1215 1213 244660149491400]3668440 V8 C WAL-11AWf STORES. IN BIpPPEN88tAit9 PA b0.34 065169669566C1YW030064792 1215 1213 7890 Y8 C WM SUPERCENTER BHIPPENSBURO PA 81.02 1216 1213 24717 VS C SANDER MOUNtA1N CHAMBEE~BURO PA 10.6• 1216 1218 24466014869710001117042 V6 C SAYLOR'6 MARKET NEWVILLE PA 22.50 000@8789324Y11YT00082.7866 1216 1217 2d8104949S20p41992a7793 VS C PC AMERK,ANGIRL 800~845~0006W1 ~ 236.95 1220 1217 2428698496~04747a7860 V8 C 0000020439789 WM BUPERCES(TER SHIPPEN88UR0 PA 205.41 1221 1218 24~12186131a V8 C BATH i BODY WORKS 1218 CJIRLISLE PA 54.73 Oi01 1231 24810434366004102797905 V8 C .PC AMERICA!! 31AL 800.845~OOOG WI * 24.95 IMPORTANT ENJOY THE OONVENIENCE AND FL.EX181LITY THE ENCLOSED CHECKS OFFER. NEWS YOUR CREDIT LINE IS INCREASED TO TIC AMOUNT SH01MV ABOVE( USE IT TO TRANSFER OTHER ACCOUNT BALANCES TO THIS ACCOUNT. CALL t-800813-3277. PAY YOUR CREDIT CARD BILL ONLINE. VISIT WWW.IBSNETACCESS.COM TODAY! VISIT NNNN.It38NETACCESS.COM TO TRANSFER YOUR HIGH-RATE CREDIT CARD BALANCES TO YOUR ACCOUNT. 175 A FAST AND CONVENIENT WAY TO SAVE MONEY. Previous P ante + CasA + Pursttaaes + Pariodk Rata + Transaclioh =New Balance Past Dt1e A1ttOIIriC Sa.oO Balaacs . and Creeits A,~a~ 8iq,dJui1~~ Finaaex Che~gas Finance Cttaryw Total arrant Payment 545.00 53.985.97_ 5600.00 30.00 5790-26 $90.00 50. DO Sd,266.29 Otd~. Mln Payment Dt159s.oo CstyLOry Rase Annual ~ Sublact 1o FOR YOUR 8AT~FAiCTION. EVERY HOUR, EVERY DAY Peroantage'Rate Finance Gharyes -For our automated Bred Connect aervioa, call A. BALANCE TRANSFER, CHEC7C8 .000000%DlY• 00.00% i-800362-BSee B. ATN, BANK ....... .062960!6 DLY+' 22.98% 00.00 - To speak to ane at our Customer Sattstadian reprosentatlves, C. PURCHA31'~........ .082996%DLY~' 2299% !4,465.36 ca11 t-900-83SO5st D. OTHER 9ALANCEB, ..... .000000'16 DLY" 00.00% 10.00 - For TDD (telecommunications t>gvice for the Daat) Ion 22.99% assistance, `a° ate And Transaction Fee finance Charges) t"eoasde-st7e - Billing rtgMs an priseNed only 0'Y written inqukry. ~~jj jj Y V/titY Mail billing inqulAas and all other account inqulttes ta: SY~ I ~ YYILMINGTONEOEII ES~P.~O~ OX 15028 IIA&T Bank Make check payabl~~D SERVICES P.O. BOX 152$8 WILMINGTON, DE 19886-52$8 CARDHOLDER SINCE ZO?~3 11 ACCOUNT NUMBER 4313 0271 8312 6496 PAYMENT DUE DATE NEW BALANCE TOTAL 02/05/05 54,266.23 TAL MIN PAS~tD~T teD (85.00 TRACEY BOWERMASTER 207 SOUTHSIDE DR NEWVILLE PA 17241-841007 S 0000000@00000000000000000000000000000042662300009b000004313027183126496 S 000398b9700039323500000000000000000000426b2300009b0000043130271831254% ACCOUNT NUMBER CREDIT LINE CASH 012 CREDIT gy;Rr.TralAraxING DATEAYMEtiPP DUE PAYMF~IT DUE i 4313 0271 8312 6496 $7,600 ;3,333.77 32 01/12/05 $95.00 02J05/05 ATE FDA ER c -' - JANl7A1tY ZOOi STATlNENT ~~~~~~~~ U AIIDA OTMENTO @oooo~aeala7a TOTAIF~OROR.LIN9CYCLEFROMI2/12/ZOO~THR000R 1/12/?OOS 9790.25 Ob00.00 CR IINP~ NEWS Previous Paym elms + Cash + Purehasas + Periodic Rate + Trsnsaetlon =New BaSana as a Otln So.oo t3alan0e and Grodits Atlvances ustments Finance Caatpes flAOnce Charges Total Current Payment ¢9s.00 53,985.97 8600.00 X0.00 5790.26 (90.00 60.00 $e, 466.73 otal Min Payment Du>OS.00 Periodic Bing Balance Cata~ory Rate Annual Sub}ed fo FOR YOUR BATIaFACT10N, EVERY HOUR, EVERY DAY Psnxnla0e Rate Finance Chat+pss -For our automated Dirac! Connect seMce, gal I k BALANCETRANOFER, CHECK8 .000000% DLY' 00.00% t-8oa382~288 B. ATM BANK _ ...... .00200096 DLY" 220096 10.00 . - To speak to one of our Customer Satisfaction representatives. C. PURCHASES ........ .002000% DLY• ?20076 04s465. Sb tali tit ~ OTHER BALANCED...... .000000% DLY" OQ009L 00.00 ~eoommunlartions Device for the txat} -Fo ~ FOR THIS BILLING PERIOD 22 99 °b` s ~ . . ANNUAL PERCENTAGE RATE ... Includes Periodic Rate And Transaction Fee inanCe Charges t-8003663178 ) O _ Billing rights an pfeserved only by written inquiry. Mail blltirg inquiries and all other aocouM inquires to:. EE II ~ ~~S~ ~~ ~T~ X 13018 E 11~ ~ N C I - 8B6D-5028 MINGTON 1~ W IL M&T Bank Make check payable.ta~D SERVICES $PA.ONK BO% 1528$ WILMINGTON, DE 1988b-5288 ACCOUNT NUMBER 4313 0271 8312 6496 CARDHOLDER SINCE 2003 11 ACCOUNT NUMBER 4313 0271 8311 6496 PAYMENT DUE DATE NEW BALANCE TOTAL C1/07j05 ;3,985.97 TOTAL Mme. NI H PA T SEo $68.00 TRACEY BOWERNVASTER 207 SOUTHSIDE DR NEWV LLE PA 17241-891007 S 0000000000000000000000000000000006000059059700006860660431302718312649b S 00024007400023b15700000T~0~}0~p0yy0SS0001T0N~000000039~OS9~7+0o0g0~0jb,80j~j00~0j0~4~31J13u~027183126446 nati+ rneu no !`DVTITT ~1TNT.1xII1R71PTATf` flATP.AY'MENT~DIIE PAYMENT DUE 57,100 53,114.03 ~ 30 ~ 12/1 2001 STATEMEM 1201 93601372046 YS PAYAAENT •THANKYOU PUS AND ADJi10TNIENT6 1118 111$ 24t661349100040t1260007 lf8 C CHRfBTN1ABVILLAGEANO WORTHINGTON OH 1118 1113 44446004619866440047806 YB C JUSTICE f002D OOLU111dU8 OH 1128 1180 24412964831200606401877 Y8 C NATTHEw'S HALLMARK f4D CHAIiBERBBURG PA 1120 1127 24010484303004027547675 YB C 8EAR6 ROE811Clt 2624 CAMP HNl PA 1129 1127 V'8 G WALMARI' OUPERCENT CARLNiLE PA 1120 1127 V8 C FIBH80NE APPARELS rTi NO CAMP HNl PA 1186 1127 247818T48342741Af' 011206 V8 C AC NOORE ART'Bd~CRAFT 82 MN:CHANICSBUR PA 1202 1150 2 200280 VS C MGII PHARMACY 1NC NEWi/1LLE PA 1204 t209 44184074096496801041196 VB C 02030HEETZ 00000034CARLtOLE PA 1460 120; 24416004840941120014909 V8 C 4LD NAW OUTLET~74 GET7Y8BURG PA 1206 1208 24400694942341000124119 U8 C GREAT WALL BUFFET CARLISLE PA 1210 1200 249Z648464400001261912a v8 C NA$00 INTERNATIONOt of 606.6068063 wl v4a1661 1211 1200 24210734513006016197706 Y8 C 8CilOLA8TIC BOOK FAIRE JAME'.6BtiRG NJ 1211 1210 80 VS C WINE 6.tiPN>t1192110 CARU!BLE PA TOTAL FOR BN.UN9 CYCLE FROM 11/12/2004 TNROUBN 12111!2004 IMPORTANT ENJOY TM£ CONVENIENCE AND FLEXIBILITY THE ENCL06ED CHECKS OFFER- NEWS OONTACT US AT NNVW.IBSCASN.C.OM. PAY YOUR CREDIT CARD BILL ONLINE. VISIT WWW.IBSNETACCESS.COM TODAY! sss.oo 1 Oi 37.04 47. b3 30.01 19.07 74.73 317.29 24.35 35.72 22.50 27.56 12.72 793.21 1a4.7a 3b.03 01~b91.b1 b0.00 160.0• + Cash + Purchases + ParloOic Rafe + Transastlon = Nsw @alancc rasz Luc r~aivi.ui~ sv.vv Previous -Payments Balance and Credits Advances 8,4d~uahnaMs Finanoa Charyas Finance Ghaegas Totai Current Payment 466.00 $2,800.76 x60.00 x0.00 x1,591.61 659.62 50.00 $3.985.97 Total Min Payment Dt11es6.00 CataWoryr Rata A BALANCE TRANSFER CHECKS .000000% DLY• B. ATM, BANK ....... .062'.10191 DLY• C. PURCWIBEB........ .062301% DLY• Q OTHER BALANCES..... , .000060% DLY' w~~An wu~,..~.,y Subject to FOR YOUR O'ATIiFACTN7N, EVERY HOUR, EVERY DAY Perodrta0e Rata Finance Charges -For our automated Dirad Connect service, call 00.00% t-800626296 2274% 00.00 - To speak io one of our Customer Satisfaction representatives. 2274% 02~db0.b3 call t-800633-0581 00.0096 00.00 -For TDD (faleeommuNeatlons Device for the Dean 22.74% assistance, call . tion Fee finance Charges) t-800~34&3t78 - Biillrq rights an preaervad only by written inquiry. ,JVY VARY 1,E_ Mail billing inquiries antl ail ottiar aocouM inquiries ba: . __ BANKCARD SERVICES P.O. 80X 13028 COUNT NUMBER ~~~ 43t3 0271 8311 6496 M&T Bank PAYAi~NT DUE DATE NEW BALANCE TOTAL CAROFIOLDER SINCE 2003 12/06/04 52,400.74 TO L MINIMUM PAYi~T BpOIOSm Make check ;54.00 payablPBA~~ARD SERVICES 11 P.O. BO% 15288 iiILMINGTON, DE 19886-5288 TRACEY BOWERMASTER 207 SOUTHSIDE DR NEWVILLE PA 17241-891Q07 S 0000000080000000000000000000000009000024007400005400000431302718312649b S 0001768370001740450000000000000000000024007400005400000431302718'31264% ~I~ PAYMENT DUE ACCOUNT NUMBER CREDIT LINE CASH OR CREDIT SYSLE~ING DATRA 4313 0271 8312 6496 f7, 100 f4,699.Z6 29 11/11/04 (54.00 12/06/04 ATE AT ER s NOVEMNSR 4004 STATEMENT PAYNIENTf AND C 1040 30308701701 Y8 PAYMENT-TItA!lKYOU 40.00 CR 1101. 7 V8 WALWEIfBUPERC~t1' t+ARi.NILE PA 38.60 CR ~ T ~ 40.00 A BEACH VA BREFt1lTREA8URE8 H~C V 1018 1014 2471708+200122803002499 V8 C TA 1078 1018 24499904291817/)01087288 Y8 C CHRIBTOPHER88AN103t-477 CHAMBERBBt1R0 PA 206.48 1019 101? 440Q9484Zi2000788948070 V8 C THE ANH.E'8 CORPORATIO BONNIG 8PRtNPA 24.91 1019 1018 2440tf01429Pb40008984847 V8 C BAYLORS NEWVIULLE PA 14.61 ~ 160.3A ARLISLE PA 1028 1028 242283042973003Ta378g7'0 V8 C WALMAR~ UP8 E19CENIC 1027 1024 24702844900749098079009 V8 C Rt1EAN)STOiN:6007 GRUBLE: PA 9.46 1101 11180 10784 V8 C WINE t t9PIRiTB 2110 GRLISLE PA 12.18 1104 1104 24498984300017001108788 V8 C CHRN/TOPHER~t9AN103ii477 CHAMBERBBURG PA 37.43 1104 1102 24399004908010170411022 V8 C PA 17840 CHAIitIBER88Uf10 PA ~ • 41 1709 1100 247811424314128148870471 V8 C BOILING 8PRINGB ANIMAL BOH.ING BPRINPA 48.00 TOTAL F011 tILUNO CYCLE FROM 10/74!2004 THROIIBH 11/11/2004 1671.80 378.60 CR IMPORTANT ENJOY THE CONVENIENCE AND PLExIBILITY TI4: ENCtASED CHECKS OFFER- NEWS CONTACT US AT WWW.IBSCASN.COM. Ptevfous - PayrrwMs + Cash t PurNla9es t Periodic rite t 7rsnsactioe s Now tialanoe d8 2 ount $0.00 0alanoe and Credits Adwnces BJWJustrneras Rinaooe Cheryes FiMaq Chrrges Total Current Payment $54.00 $1,768.57 $78.60 $0.00 2671.80 $39.17 50.00 $2,100.74 Total Miri Payment Dt1>Rs4.oo Psrtodk Corrasepondinp Balance Cat~yory Rate Annual Subled to FOR YOUR SATISFACTION, EVERY HIOUR, EVERY DAY Perpnta9a Rata Flnanoe Charges -For our automated Direct Connect service, call A. BALANCETRANBfERCHF3rK8.000000%DLY' 00.00% t-804382.6288 8~ ATM, BANK . _ _ _ ... .007810% DLY' 2249% 60.00 - To speak to one of our Custortwr Satisfaction ropreser-tatlves, C. PURCHA8E8......., .00181896 DLY• 2249% 12,191.98 call t-e00.83SOSBt D. OTNER BALANCES...... .000000% DLY• 00.0096 60.00 - For TDD (Telecommunications Deyioe for the Deafp 49% assistance, call FOR IS B LLING PERI D 22 . ANNUAL PERCENTAGE RATE ... 1.800.3as-3178 Includes Periodic Rate And Transaction Fee in8.nce Charges) • Billing Hghts are preserved only by written inquiry. p+ ~ Y VARY Mail blilirq inquiries and ail other account inquiries to: ~ ~~ 15026 i S ~ INGTON DE 198511-5028 ~,'PNT. WILM ORT L~OC ORI AiOCOUNT NUMBER 4313 0271 83i2 6496 M&T Bank PAYMENT DUE DATE NEW BALANCE TOTAL CAROFIOtDER SI1dCE 2003 51106/ ti,768.31 TOTAL INI PA ~ SED Make check 639.00 payablr~~D SERVICES 11 P.O. BO% 1528$ wl~,xlxcTOx nE 19886-5288 , TRACEY BOWERMIASTER 207 SQUTHSIDE DR PIEWVILLE PA 172~r1-891007 S 0000000000000008000000000000000000000017683700803980000431302718312644b S 000127711000I?512900800080000008808808176837000839800004313827183126446 PAYMENT CIE ~z~UF D ~ . ATBA F~iSING ACCOUNT NUMBER CRIDIT LINE CASH OR CREDIT 4313 0271 $3i3 6496 ;7,100 65,331.53 32 10/13/04 539.00 11/06/04 TE DAT ER A ER 2004 STATEMlNT ! YM Ti AMD CRE 0820 0828 00280482150487 V8 PAYIIEM•THV4NKYIOU 40.00 CR PURGNA8E8 AMD r*WUSTMENTS 0013 0010 ID4443004280817'882431a88 VS C TURKEY HIL! i0Q130 CARLISLE PA 20.Of 081 fi 0011 2418407 V8 C pSW $HOE WAi~H00l008Q4 COLUMSUB CH 40.25 0820 0818 24184074203401088888471 YS C APPLEBEE'$ 07101118 C.AHL04LE PA 8b.03 0825 0888 2 1964 Y8 C CVS PWIFDIACY #10{8 CDS CAiBIBLE PA 104.84 0827 0018 24448004270820482880874 Y8 C BJYVIIDLE8ALE #0023WOX NAAR188UA8 PA 232.76 taia 1012 70 YB C WINE a SPIIBTS 2110 CARLISLE PA 13.13 101, 1012 17298 t/8 C WALNWIT$UPEACEt4T CARLISLE PA 21.35 TOrT6L fOR ~.I.IN$ CNCLE FROM 8/12!2004 TNROUON 10/1il20W 0583.34 840.00 CR lMPOftTANT ENJOY THE ENCL06ED CHECKS. TRAVELING? A PIN iS YOUR PASSPORT TO CASH AT AIMS NEw$ WORLDWIDE. CALL 1-888.357.02Y7 FROM YOUR HOk1E PHONE TO 8ELEGT YOUR PIN TOOu0.Yl YOUR CREDt7 uNE IS INCREASED TO THE AMOUNT SHOWN ABOVEI USE rT 7o TRANSFER OTHER ACCOUNT BALANCES TO THIS AGOOUNT. CAIi t-0008153277. Previous - Payments + Cash + Purchases + Periodic Rata + TransacnOn =New Balance as a Olin ;0.00 Balance and CndNs Advanoas 3Adlustments Flnsnce Charles Finance Cheraw Total Current Payment ;39.00 31,277.11 $0.00 ;0.00 ;503.34 ;27.92 ;0.00 ;1,768.37 otal Min Payment Du>~9.00 Periodic Comaseponding Iance Cat~yorY Rate Annual Sub]ect to FOR YOUR SATISFACTION, EI[ERY FIOUR, EVERY DAY Pergntape Rata Finance Charges -For our automated Dlroet Connect gervloe, eel! A. EIALANCE TRANSFER, CHECKS .00000096 OLY 00.00% 1-800-982.628@ B. ATI4. BANK ....... .08473896 DRY 150896 00.00 - To speak to one of our Customer Satisfaction representatives, C. PURCItA$EB........ .084798% DLY 10.08!6 81 si543. b6 call t-fl0o-6350.581 Q G?IiER BALANCES...... .00000096 tHY 00.0096 00.00 -For TOD (Teleeommunications Oevloa for tlfe Dear} FOR S BILL NG PERIOD assistance, eats 19 98Y , ANNUAL PERCENTAGE RITE ... Includes Periodic Rate And Transaction Fee finance Charges} t-eoa3n4at7s C Bliling rigMsan preserved Doty by written Inquiry. ~ oa~tM~ hies to: Mail bill T T + II K4 RD SERVtCeB ~~I~$ 188605026 T O 0 $~ I ~ N DE . WILMINGT L+t)C.:K M&T Bank Make check payabl~~D SERVICES P.Q. BOX 152$8 WILKINGTON, DE 19886-528$ ACCOUNT NUMBER 4313 02T1 8342 6496 CAROHDLDER SINCE 2003 11 UNl NUMBE 4313 0271 $3i2 6496 PAYMENT DUE GATE NEW BALANCE TOTAL 10/08/04 54.277.44 AL M I PA ~1 T TO~OSED 328.00 TRACEY BOWERMASTER H 2QT 50UTHSIDE DR NEWVILLE PA 17241-8410x7 S OOOOg000000000000000000000b0000000000g1277110001280000043130271$3126446 S 00007011700006642000000000000000!l00001277110000280000043130271831264% LINE CASH OR CREDIT ~~BING DATEAY'MEN~III~ PAYMENT I ;6,600 53,322.89 30 09/11/04 228.00 10/08/0 TEj DAT~NUMBER--- (rrnc~--- -~__'--------p.~i~Ei~ER Z00~0 STATEME<M ~ 1 M Tt CREDTTi OB80 002@ 00800403~790B18 V8 PAYMENT•TKANKYOU 30.00 CR WRCNASEf ANO ADJUfTMENT>i 0017 0018 34078444220000011'107817 V8 C ECONO LdDAE ROCItY MOUNT NC ~ • 7® 248 11RRNAL GATE OJ'i:1i104 0017 0610 2440t3014?Y92204+457t40EB3 V8 C BODUNEAU'BTRUEVA NORTHiriYRrLESC 52.6b 06122974466~1-01Y4oooo17010 0019 0617 3497814428190001b700006 118 C FOREtIEA YOUR811~ N LfYTTItE BCH 8C 25.06 0619 0017 34000764P81 00 0 04 4 4 001 5! VS C PEACE FROiiB N 1iYRiLE BCH 8C 52.86 0619 0017 24078144281800014200306 VS C BENNETTBBEAFOOB+i1 NMYRTLEBCH>N; 133.08 0630 0619 3448B0142822824+,i,f+ 214122 V8 C EAtiLES BEACHWEAR IAYItTIF BEACH OC 24.14 00641180010VOOY0000120498 0629 06.20 24610434xi507P00bS45829 V8 C TRAVElAQ6E RUTNER GLEN RUTHER 31.EN VA 1b4.2b 0~0~0606~ ARRNAL GATE !1'20104 0007 0004 240821~8424B000784461300 VS C ARBONNE INTERNATIONAL BOO 272-0008 CJ1 74.33 1200161100000000 707111 TOR ~LLIN6 CYICLF FROM 0!13/1004 TNR0U8N 8!1112004 #587.09 530.00 CR IMPORTANT EN.lOY THE ENCLOSED CHECKS. TRAVELINQ9 A PIN IS YOUR PASSPORT TO CASH AT ATtUS ~w$ WORtDWiDE. CALL 1-888-357-0237 FROM YOUR HOME PHONE TO SELECT YOUR PIN TODAY! FOR UP-TO-TWE-MINUTE ACCOUNT ACTIVITY, VISIT NNNN.IBSNETAOCESS.COM. Previous -Payments + Cash + purchases + Perladic Rata + Transaction s New Balanos a8 a Ot1n 80.00 Baianoe ana Credits Aavanees justmelKs Flaenoe CMsOet Finance Charges Total Current Payment ti2a.on sTai.2s `ao.vo so.oo #se~,o9 81a.TS Sv.ao 01.277.11 Total Min Pa ent Dt14as.oo P+ Ic Cor **~+0 ~ Cat~orY Subject to Aiq FOR YOUR SATkSFACTION, EVERY FIOUR, EVERY DAY ParoeMape Rate Finance'Charges -For our automated Dined Concoct service, call A. BALANCE TRANSFER. CHECFCB _000000% DLY OQ01796 1-800-382-8288 8. ATM, BANK .... _ _ , .064780'!1; DLY 10.90% 00.00 - To speak to one aF our Customer Safi ataction npresentalives, G. PURCHA8E8........ .064798%OLY 10.90% t1~144.27 ca11 t~00-835-0581 0.OTYbzR 811tJ1Nt~8.... _ . .00000091; DLY 00.00% 90.00 -For 7DD (Telecommunications Device tar the Deaf) FOR TH S B LING PER OD 19 9BX assistaon, call . ANNUAL VERCENTAOE RATE ... Includes Periodic Rate And Transaction Fee finance Charges) t-1100-348-3i7e R EE S I ~O ~ ~AT - Etliin0 rights are preserved only tiywritten inquiry. Mall ~IiBANKt:ARD SERVICES P.O BOX 15028 ;rtes ~~ CK I 'P,NTT DE faBSO 3o2s GTON . - , wiwcN ACCOUNT NUMBER M&T Bank 4313 0271 8312 6496 PAYMENT DUE DATE NEW BAIJINCE TOTAL CARDFgLDER SINCE 2003 09/06/04 6701.23 TOTAL MINI PA7r~9T B seD Make check ;30.00 payabl~~ARD SERVICES 11 P.O. BMX 15137 WILHINGTOAI, Dr 19886-5137 TRACEY BOWERMASTER H 207 SOUTHSIDE DR NEWVILLE PA 17241-891007 S 000000000000000000000000006000000000000701230009300000043130271831264% S 00002441300002427800000000000000000000070123000030000004313027183126496 G DATEAYi~IT~UE PAYMEN`P DUE ACCOUNT NUMBER CREDIT LINE CASH OR CREDIT SYI~E~L1l6IN 4313 0271 8312 6486 $6.600 $5.898.77 30 08/12/04 $30.00 ~ 09/06/04 TE AT ER c u T 2004 STATEMENT 0720 0727 24412034210206780000270 V$ C 110U8E OF CJ1lL08 U CARLJBi.E PA 70.42 0003 0001 24300004214072091200137 VB C EAT N PARK 00100736 CAfILIBLE PA 16.45 0000 0002 2424B3842768B0169796383 V8 C WALdAiLf BUPl7iCENT CARIIBLE PA ~ • ~ 00 250 . 0006 0004 247170642177321723>a0048 V8 C ALLANERICANTICKET8E302-7000660 t)E 270000410600001 0000 0000 0000005 V8 C LATE FEE FOR PAYMENT DUE 00J07 29.00 TOTAL POR MLlINB GIICLE fE00{ 7!1414804 THROUGH 011214004 9450.42 6.00 A REMLNDER: IF YOU Mlt)87HE PAYMENT O DATE, YOU WILL LOBE THE PROMOTIONAL RATE CMt CATEdOR'Y A AS A COURfEBY WE OID NOT CHAN3E LT THiB TIME ENJOY THE ENCLOSED CHC~KS. TRAVELING? CALL 1-008.367-0?27 FROM YOUR HOME fMPOR N~ws PHONE NUMBER TODAY TO ORDER A PIN TO iJSE AT MILLIONS OF ATM3 LMORLDWIDE! YOU ARE A VALUED CUSTOMER. WE WANT:70 MAKE SURE YOU ARE AWARE THAT WE HAVE NOT RECEIVED YOUR PAYMENT. PLEASE SEND THE AMOUNT DUE TODAY. IF IT FIAS BEEN MAILED, THANK YOU. FOR UP-TO-THE-MINUTE ACCOUNT ACTIVITY, VISIT NNVW.IBSNETAACESS.GOM. Previous - Paymsrks t Cash + Pureltases + Parlodk Rate + Transaction =Maw Balance 83 a Olin $15.00 Balarioa and Credits Adwnoes &a+Rustments FMencn ChetOas Finance Charyea Tote! rrent Payment S1S.00 42aa,is So.oo $o.oo easo.az >la.6z ao.oo aTOi.zs Total Min Pa ent DuOeao.oo Periodic Corteseponding Balance Catssionr Rate Annual Subject to FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY Pergntage Rats Flnanee Charges .For our automated Direct Connect service, call A BALANCE TRANSFER CHECKS .000000% DLY 00.00% i-8002-0288 & ATM, $J1NK....... .064730% DLY 10.00% ~ 90.00 - To speak to ane of our Customer Satisfaction representatives. C. PUACHABEB........ .064730!6 DLY 19.00% !402.87 call i-800-835.0581 R OTHER BAtMICEB...... .000000% DLY 00.00!6 90.90 -For TOD (Telecommunications Dwice for the Dsaf} FOR TIiI HI LING PERIOD assistance. tail 19 98~a . ANNUAL PERCENTAGE RATE ... 1-800-348-3178 Includes Periodic Rate And Transaction Fee finance Charges } .Bitting rlghfs are pnaserved only bYwritten inquiry. A Ti:i 0 LATE Mail b1111tIp Inquiries and all other account inquiries !n: ~ BANKCARD SERVICES P.O. BOX 15028 s~ ~ ~rP~NT. WILMINGTON DE 18830-5028 K ACCOUNT NUMBER IN&T Bank 4313 0271 8312 6496 PAYMENT DUE DATE NEW BALANCE TOTAL CAROHDLDlR SINK 3003 fl8/07/04 !1244.19 TOTAI, ~ MUM PA ~T BR~osED Make check Sig•0O payabl~~~~D SERVICES 11 P.O. BOX 15288 wILMIATGTON, DE 1988b-5288 H . TRACEY BOwERMASTER 207 StfUTHSIDE DR NEWViLLE PA 17241-891007 s eooooo00000000000600001oooooaoee98ooo0924419o6ools9oooo431ao2na31~r~a9e o~71as12b49s ooooa 31 3 l o O ol so ooooaoooooooza4lg o s oooa9+~saloooa9osaxooooo000 gg yy p ~, ~ ~ 7 ~ ~ p T ACCOUNT NUMBER CREDIT LINE CASH OR CREDIT ~gLE~TNG DAZ'E~AYMEN'r~E PAYMENT DUE 4313 0271 8312 6496 ~ =6,600 :6,355.81 32 07/13/04 515.00 08/07/04 ATE DAT ER rrc JULY 2004 STATEMENT PAYMENTS A OFis 0814 0615 06/40464373 VS PAY4AENT-THANKYOU 5,111.14 CR 0712 74228384182'20492187340 VS WAL iAiNii BERLIN qD 10.46 CR PURCBASp J1N0 ADJUSTMEi)4TS 0818 08is 743+19004168100663340124 V8 C TUATiJA PONCE Pp 59.14 0616 0618 2444b704166649804943750 Y6 C CLARE'S #6025 HATIUA PR 91.65 0628 D619 T45400041T~100412700092 Y8 C ALLIANCE DUTY FREE!- CJiROLJNA PR 13.38 0707 0706 2122l34a1186S2DaB4873664 V8 C WAL MARE BERLIN 1A0 82 • ~ 0714 0710 24284T7419D466817600108 V9 C BHADE 8HACK OCEAN CITY MD 31. b0 0712 0710 2440.9894198900449400J99 V8 C 4UTRA8EOU8 OUTLET it OCEAN CITY MD 40.92 TOTAIFORi1LUNBCYCLEPROM 6/t?l200+tTKR0U6N 7/13J2004 5318.57 15,121.60 CR IMPORTANT ENJOY THE CONVENIENCE AND FLExIBILiTY THE ENCLOSED CHECKS OFPER- N~$ CONTACT US AT WwW.IBSCASH.COM. FOR UP-TO-THE-MINUTE ACCOUNT AGTNiTY, VISIT YV~MW.IBSNETACCESS.C.OM. Previous -Payments + Cash + Purnlfases + PlriOtllc Rail + Transaction = Naw Balance as a Ouri $0.00 Balance and Credits Advances astrneMs Finance CUaryee Finanw Charpea Total urrent Payment 515.00 45,045.81 55,121.60 50.00 5318.57 51.61 40.00 ;a4a.z9 Otal Min Payment Dusia5.00 Periodic Correwpondinp Balance Cate~yory Rste Annwi sugact ib FOR YOUR 8ATISFACTION, EVERY HOUR, EMERY DAY Peroents0e Rete Rnanoe Charges -For our automated Direct Conned service, call A. BALANCE TRANSFER, CHEC103 .OTT123%DLY 00.90% 50.01 I_800.362.g~g B. ATII, BANK ....... .064767% DLY 10.9994 53.17 - to speak io one of our Customer Satisfaction rapnNntativss, C. PURCtl4Se8........ .09710.796 DLY 09.9096 1153.86 call 1-eo0-~s3-O~Set O.OTHER BALANC68...... .000000% DLY OR0096 11.00 eoommunicatlons Devicerortha Deaf) T~~e~ r - t l ~ i FOR THIS BILLING PERIOD ~ ~ ~ ~ ~ NUAL PERCENT11iiE RATE .. _ • Includes Periodic Rate And Transaction Fee finance Charges) I-tioaa4e-317e O Qj~ - Bliling rights are preserved only t1y written IrgWty. A Mail Wllirg irquiries and all other account inquiries to: CAT S E~r II ~ LA 5028 t~~ 1 CR E S~~~ ~~ K GT 8850- DE I 1 ON Iw LMI M&T Bank Make check payabl~~D SERVICES P.Q. BOX 15288 idILMINGTOI!1, DE 19886-5288 CARONpLOER SINCE 2003 11 ACCOUNT NUMBER 4313 0271 8312 6496 ru PAYMENT DUE DATE NEW Eu4t.ANCE TOTAL p7JOg/04 $5,045.81 TO AL MINIMUM PAYBd® T Nt&OSED $56.00 H TRACEY B01~ERMASTER 207 SOUTHSIDE DR NEWVILLE PA 1TZ41-891007 s oonooooo00000000oooooe39s3aoaooo9saooabia5aliooe~bioooe~t313ozns3lzba% S •OOS012760004is95590s0e0Ti00000i0pQ0000005i4S31~+lpsOdbbl00~0,70~43~1~3,g12?1x31264% rtvs• r•ae7x n4 r*t?Ten-rm IIVQ~RA'101315TiJC. i1ATi3A~ILJ(JS PAYMENIT DT3E ( 4319 0271 8312 6486 $6,600 $1,554.19 ( 30 ( 06/11/04 ( $56.00 ( 07!08/04 IATE~DATI ER --- - ~----~~----JUNE 20W STATEMENT _ 1 1 PAY 0 ARfiCREDtTE Od1O Oi5t7 061d04s0s4223O YB EXPAEOOPAYMEM-THANKYOU 98.00 CR Oi11S 061s 140AJ006275 Y8 RETt1RNCHE0ICFEEADJ 39.00 CR 0519 0S1s 1~0/1J00',3270 V3 U1TE CHARBEADJU8TIAENT 39.0• CR Ot13t 0030 063104STA005is VS PAY1AEIff •THA}RCYOt1 100.00 CR PfR~CMA3Ei AMD AOduiTMENiE QA11 0810 2424fl5t41O7i408s8s800186 VO C BE6TNIESTERN NEWARK NI9NARK NJ lb9.bb HOTEL FOLIO # 108717 AiBtNALDATE N74r0+- TOTAL FOR e1LLIMO CYCLE FROM 6113!2004 TNROU6N 0!1111004 llb9 . Sb i27b . f 0 CR AN IMPORTANT AMENDMENT TO YOUR ACCOUNT TERMS 18 ENCLOSED. AN IMPORTANT AMENDMENT TO YOUR ACCOUNT TERMS iS ENCLOSED. ENJOY THE CONvEN1ENGE AND fLEXIBtLITY THE ENCLOSED CHECKS pFFER- CONTACT US AT WWW.IBSCASH.COM. PRY YOUR BILL QUICKLY WITH PAY-BY-PHONE SERVICE. CILLL 168-287-6255 TO USE THIS AUTOMATED SERVICE. PAYMENT POSTS THE SAME OR NEXT BUSINESS DAY. PrcNous - P rtts + Cash 8alanos snd Cretllts ,gdys 63.lll.la $276.00 $0.00 + Purchases jy~~s 6169.56 + Psriodlc Rate Finance ChOries $sl.ll + 7ransadion Finance Charges 60.00 = Ne4v Balance Total 65,045.81 Past Dll2 A1ROL1Ilt x0.00 rrent Payment $56.00 Total Min Payment Di]$6.00 .^ ate0ory RaEe`c C0f anrs w`I#`~ Sub ect to PDR YOUR SATISF/YCTION, EVERY HOUR, EVERY DAY Per+oettta9a Rata Finance Chargss -For our automated Direct Connect service, call A. BALANCE TRANSFER, CHECKS .027'12596 DLY 00.00% 00.00 1.ep03g2J~ B. ATMI, BANK . _ _ ... _ .064767% DLY 18~OS96 099.17 - To speak to one of our Customer Sati sfaeUon rapnssntativas, Q PURCHASES...... _. .02712891 DLY 008096 •4~852.b0 tail t-600.833-0381 D OTHER BALANCES...... .000000% DlY 00.17096 10.0 0 -For TDO (Teleeommunieations Deviee for the Deal) THI B LLING >?ERIQ l 0% 10 assistanes, ail . NC1AL. PERCENTAGE RATE ... {Includes Pe riodic Rate And Tra. nsaetion Fee 1-800346-3176 finance Charges) Billing rights ate preserved only bywritten inquiry, ~ ~ Mali Wtifng fnquiries and atl alher aoeount inquiries t0: = ~ ~S I ~ ~ BANKCARD SERVICES P.O. 84X 15028 W C: K I . wiLMmtaTON, DE 18r190-6o2e M&T Bank ACCOUNT NUMBER 4313 0271 8312 6495 .~ PAYMENT DUE DATE NEW BALANCE TOTAL CARDFDLDER SINCE X008 06/06/04 $5.111.14 AL MINIMUM PA~(fDT>3w~osEO Make check $1e1.00 payabl~~ARD SERVICES 11 P,o, Box 13137 WILliINGTON, DE 198$fi-5137 +~ TRACEY BOWERMASTER 207 SOUTHSIDE DR NEWVILLE PA 17241-841007 S o00000o0000O00800000000@000000000000005111140001910008043130271831264% S OO~G978540004895090000000000000000000051111400019100000431302718312644b ACCOUNfi NUMBER CREDIT LINE CASH OR CREDIT MYSLE~IBING DATEA~IDUE PAYNiffi8T DUE 4313 0271 8312 6496 $6,600 $1,488.86 28 OSi12/04 $481.00 06/06/04 DATE DAT NUMBER rE MAY 2004 STATEMENT PAYOH:NTi AND CRE ITO 0608 12700021214 YS EXPREBRPAYMENT-TNANKYOU 98.00 CR • CARII ROMANCE TRAMOACTNIIK 0612 0600 12T0902t214 VS B CHECK R17URNED UNPAID 95.00 PIMCNAOE~ AND ADJUfTMENTi 0008 0008 127A,W8988+I VS C EXPRE88 PAYMENT CHECK FEE 15.00 0612 0612 127gOg21214 V8 C RETURN CHEOK FEE 39.00 X12 0612 12790021214 YO C LATE FEE FOR RETURN PAY10f 06110 59.00 TOTAL FOR MLLNIO CYCLE FROM 4/14/2004 TNROkION 6/12/2004 0191.00 498.00 CR OUR RECORDS SHOW YOUR ACCOUNT IS PAST DUE IMPORTANT PAY YOUR BIL.t. QU~KLY WITH PAY-BY•PHONE SERVICE. CALL t-BB8-287.8756 TO N~$ USE THIS AUTOMATED SERVICE. PAYMENT POETS THE SAME OR NEXT BUSINESS DAY. FOR UP-7QTHEMINUTE ACCOUNT ACTNITY, VISIT WWW.IBSNETACCESS.COM. Previous -Payments + Cash t Purchases + Periodic Rata + Transaction =Maw Balance aSt e~ $98.00 Balance and Cn~dlts Advantxs dJWJustmerts Nearrce Chsryss Firanoe Charges Totaf Trent Payment $93.00 64,978.59 $98.00 $98.00 $93.00 $39.55 $0.00 $5,111.11 Otal Min Pa ent Dt~l.og Perladle Corresepondirp lance CetsrBory Rate Annual SubJed m FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY PerceMaOe Rate Flntnce Charges -For our autorrwts0 D-rect Connect service, call A, BALANCETRAN6FEII,CHEiCIL'6.02712a'1LDLY 09.9D7i 00.0o t_80p.9B2.$~p 8. ATN, BANK ....... .064787% DLY 10.9016 !23.69 - To speak to one of our Customer Satisfaction rslxeserrtsth,et, a PUFICFIASEB........ .02712!76 ~Y oa0o16 •~, 9ao .la call t-boo-a35-05et D. OTHER t7ALANCt:6...... .000000%~Y 00.00% 00.00 -For TDD {Telecommunigtions Device for ttq Dstr) FOR THI SICCING PERIOD assistance. call 9 9~Ji1i . ANIiUAL PERCENTAGE RATE ... (Includes Periodic Rate And Transaction Fee inanee Charges) t-s~3463t1$ - Billing r)gMS an: preserved oniy_by writbsn inquiry, ~~r1,L+, Mall blllitp Irqulrles and all other acoourt Inquirfas 10: ~~`j ~~ o i $ , RVICE3 OX 15028 E ] $ i ~ :F ~ ~ ~ ' R ' D IS C ` YU Uti TSiM~N 1 . WILM TON ING NT NUMBER MST Bank 4313 029! 8312 6486 PAYMENT DUE t?ATE NEW BALANCE TOTAL CARDHOLDER SINCE 4003 05/08J04 54,878.55 'AL MINI PASD681 T S osED Make check Ss8.00 payabl~~D SBRYICES 11 P.O. BUX 13288 WII:ASINGTON, nE 19886-5288 TRACEY BOWERMASTER H 207 SOUTHSIDE DR NEWVII.LE PA 17241-891007 S 000000000059000000000000900000000000004978b9000098500004313027183126446 027183126446 13 0 43 i0980000 0 0 00000441>s54 i i 0 S •004944090004909910000000f0000 ~ ~ M N T p T ~ T ~ ~ DATEAY~IDIIE PAYMF~TT Di3E N ~ FI G ACCOUNT NUMBER CREDIT LINE CASH OR CREDIT 4313 0271 8312 6496 $6,500 51.621.4! 33 OAj13/04 $98.00 05/OBJ04 ATE DAT ER s L 2004 STATEMENT PA ANO CREDITi 54.00 CR 1046468/880 Y8 PAYMENT-THANKYW 0418 . PURCNAiE3 AND ADJUiTN031T3 0412 0412 0004040 VS C LATE FEE FOR PAYMENT DUE 04f10 39.00 30711 fat DI11NN1 CYCttt` fR010 3112/2004 TBROU6N 4/1x/2004 539.00 054. oo CR IMPORTANT' ENJOY THE CONVENIENCE AND FLEXIBILITY THE ENCLOSED CHECKS OFFER. NEWS PLEASE ENSURE YOUR PAYMENT 13 RECEIVED BY THE PAYMENt DUE DATE A80VE TO AVOID LATE FEE3 OR OTHER IMPACTS TO YOUR ACCOUNT. IF PAYING BY MAIL, ALLOW AT LEAST S DAYS MAIL T1ME, tF YOU USE A BILL PAYMENT SERVICE, NOTIFY THEM OF YOUR DUE DATE PAY YOUR BILL QUICKLY Y1HTH PAY-BY-PHONE SERVICE. CALL t-869-29'7.8 TO USE THIS AUTOMATED SERVICE. PAYMENT POSTS THE SAME OR NEXT t3USINESS DAY. Previous - Payments + Cash + Purchastis + Pellodic Rafe + Transadlan ~ New Balance a3 a 4un $0.00 Balance and Credits p,~nws 9~.4dlnstrrleMS ftnenee t~at+0es Flaanca Clahiae Total urrerit Payment $98.00 ${,949.09 $54.00 $0.00 $99.00 ${4.50 $0.00 $4,978.59 otal Min P$ ent Du$>iB.00 ariod[c Corresapone6ng Balance CsteOory Rate Annwi Sue>)act 1o FOR YOUR SATISFACTION, EVERY HOUR, tVERY DAY Peraaltaga Rata Rtuince Gharyes .For our automa>rd Direct Connect service, call A. BALANCE TRANBFE~ CHECIGB .02712816 OLY 0490% 50.00 t-800-362-8268 B. ATV, t1ANK........ .OQ712a16 DLY 0490% 50.00 - To speak to one of our Customer Satistadion rWnsantitives, C. PUI>M.HABEB........ .027128%DLY Opi,90% 54s971.36 w11 1.go0.s35-OSet O.OTHEp BALAWCE8...... .000000?6 DLY 0Q00'J6 50.00 -For TDD {Telecommunications Device for the Deal> O TfiI BILLING PERIOD assistance, ca11 9 90' . NUAL PERCENTAGE RATE ... (Includes Periodic Rate And Transaction Fee finance Charges) t-ega3{6-a1~s - Billing rights are preserved only by Written irpulry. ~ulrfes to: Mail bi1 A O ~ ~ ~ T~ ~D28BOX s0 BS ES E ~ ~ S~~ • O DE tt 9 ON LM1 l I M&T Bank CA1lONOL.DER SINCE 2003 Make check ~ayabl~A~xD sz+xvlcss ~ 1 P.O. BOx 15288 i1ILMINGTON, DE 19$86-528$ H TRACEY BOWERMASTER 207 SOUTHSIDE DR NEkVILLE PA 17241-891007 s o600600600oo6ooeoegooooo600606oooooe6o494969oo66sao6ooo4slaoz71ass12649s S •00506491Qe04+1527Ie0000~0eA000e9e060ee00494909T0g0/l546040N0I4M3~13M027183126496 ACCOUNT NUMBER CREDIT LINE CASH OR CREDIT HYING DATEA~IDU1~ PAYMffi32 DUE i 4313 0271 8312 6496 56.600 51,650.91 29 03/11/04 554.00 04/10104 3004 STATEMENT 6215 Ok43'J7~21 V8 PAYMENT-7HMOCYbU 63.00 020 0063.1637154 Y8 PAYtlENf -T1iANKYOU 94.00 TOTAL FOR RILLINB CYCLE FROM 2112!2001 TAROUBN s/11Ial004 0.6• O15b.00 IMPORTANT AN IMPORTANT AMENDMENT TO YOUR ACCOUNT TERMS IS ENCLOSED. ~W$ ENJOY THE COHVENIENC£ AND FLEXIBILITY THE ENCLOSED CHECKS OFFER. PAY YOUR t31LL QUICKLY WITH PAY-BY-PHONE SERVICE. CALL i-80f~287.8258 TO USE THIS AUTOMATED SERVICE. PAYMENT POSTS THE SAME OR NEXT BtlSINESS DAY. FOR UP-70-THE-MINUTE ACCOUNT ACTNITY, VISIT WWW.i83NEFACCESS.GOM. PreMous -Payments Belanoe . antl Credits ¢s;osa.9i ¢iss.oo + Cash Advances ¢o.oo + Pwchases BJtdjustmads ¢o.oo + Periodic Rata Finance Charges 7}39.18 Transaction finance Charges ¢o.oo =New Balance 7otai ¢a,9a9.09 rasL Lue rsutounc. ~u.vv urrent Payitterit tsa.oo ota2 Min Payment Dta>fl,a.oo .~~~.~~ Periodic carresepatatng Balance Cat~ao~y Rate Annual Sub~eCt to FOR YOUR SATIBFACTION, EVERY HOUR, EVERY DAY Percentage Rake finance Charges -For our automated Dlred Connect seroioe, call A. BALANCE TRANSFER, CHECKt3 _000000% DLY 00.0096 1.800.3&2-8286 B. AT91. BANK.. _ . _ .. _ .02712396 DLY 006096 00.00 - To speak to one of our Customer Satisfaction represantathras. C. PU1iCHAt3£8........ .027125}6 OLY 00.6096 04980.78 call 1-800-835-A9B1 D. OTHER BAIANCE4...... .000000% aI.Y OD0096 00.00 mmunicaNons Device ear the Dead s ae a ~ ~ OR I BILLING PERI OD 9 90 ~ sse ca . ra~ ANNUAL PERCENTAO•~ RATE ... (Includes Periodic Ra ' ' te And Transaction Fee finance Charge3 i-800.3~B-3178 ) ~p' S~ ~ ~~e~ Biiiin9 rights are preserved only by written inquiry. Mail billing Inquiries and att other amount inquiries fo: .0. BOX 15028 ES P I E K ~ I1JC I ~ '1' ~' 9BS0.g~g ~ WI G"TON DE I1 N . ll Uu ACCOUNT NUMBER 4313 0171 8312 6496 PAYMENT WE OsP1TE NEW BALANCE 70TAL 04j10/04 24,849.09 AL M DTIMITM PAY,MiBiBHT 1~ SED 354.00 l 1~7~f7~~39 M&T Bank ACCOUNT NUMBER 4313 0271 8312 6496 .~~~ PAYMENT OUE DATE NEW BALANCE TOTAL CARDHOLDER SINCE 2003 03/08/04 55.064.91 TOTAL MINIMUM PAST osEo Make c hec k 5141.00 tt~~ e ~ay~IBANic~ARD SERVICES 11 P.O. BOX 15137 WILMINGTON, DE 1988b-5137 ~+ TRACEY BOWERMkASTER 207 SOUTHSIDE DR NEWVILLE PA 17241-891007 S 000#0000000000100000000000000000010000506491000141000104313027183126496 S 00049964500049527100000000000000x10000506491000141000004313027183126496 ACCOUNT NUMBER CREDIT LINE CASK OR CREDIT gYII;LEING DATPA~~IDUE PAYMENT DUE 4313 0271 83t2 6486 S6,600 $1.'535.09 29 02/11/04 $141.00 03/08/04 TE AT ER vi o~ F B Y 2004 STATEMENT PURCHAiEx AND ADJ ETMENTi 0211 0211 0004001 V$ C LATE FEE FOR PAYMENT DUE02/10 29.00 TOTAL FOR NLLINO C1~CtE FROM 1/14/2004 THIiWI,N 2/11/2004 029.00 0.00 A REMINDEit IF YOU MISB THE PAYMENT D DATE, YOU WILL L00E THE PROMOTIONAL RATE ON CATEGORY A A8 A OOURTE8Y WE DID NOT CHANGE R THI8 TIME IMPORTANT AN IMPORTANT AMENDMENT TO YOUR ACCOUNT TERMS IS ENCLOSED. NEWS ENJOY THE CONVENIENCE AND FLEXIBILITY THE ENCLOSED CHECKS OFFER: PLEASE SEE YOUR NEW PAYMENT DUE DATE ABOVE. IF YOUR TOTAL MINIMUM PAYMENT DUE IS RECEIVED AFTER THE. PAYMENT DUE DATE YOU MAY BP ASSESSED LATE FEES, YOU MAY LOSE YOUR PROMOTIONAL RATES, AND THERE MAY BE ADDITIONAL RATE AND FEE IMPACTS 70 YOUR ACCOUNT. ALLOW AT LEAST FIVE BAYS MAIL TIME. Previous - Paynwnts t Cash + Purchasos + periodic Raffi + Transaction =New Balance aS a Ount 658.00 Balance and Credtts Advances BAdJustrneMs Finance Charges Flnaap CMtges Total urrent Payment ¢83.00 ¢4,996.65 ¢0_00 $0.00 $29.00 $39.46 ¢O.OD ¢5,064.91 Otal Ml.n Payment 01}70{1_00 Periodic Correseponding Balance Category Race Annw{ Sub)ect to FOR YOUR 3ATtsFACT10N, EVERY HOUR, EVERY DAY Percentage Rate Finance Charges A BALANCE TRANSFER CHECKB .000000% DLY 00.00% - To speak to one of our Custorner Satisfaction representativea, 8. ATM, BANK ....... .02712x% OLY 00.00% 00.00 call the number on the back or your credit card. O. PVRCHABEB........ ,0~271Yx% DLY 00.00% Ob, 016.47 D. OTHER BALANCER...... .000000% OLY 00.00% OO.Oi -For TDD (Telecommunications Device for the Dwf) assistance, call 1-800.3463178 FOR THI ILLING PERIOD 9.90% NUAL PERCENTAiiE RATE .. . Includes Periodic Rate and Transaction Fee inarice Charges) -Billing rights aro proserved Daly by written inquiry. MailbiNinpinquirla~sto: C~TE BANKCARD SERVICES P.O. BOX 15028 ~ ~~o 1 ~~L-' WILMINGTON, DE 1806'0-3028 S ACCOUNT NUM$ER M&T Bank 4313 0271 B312 5496 PAYMENT DUE DATE NEW BALANCE TOTAL CARDHOLDER SINCE 2003 02/10/04 54,996.45 TAL MINIMUM PA UlIT E~B.OSED Make check $58,00 payabl~~ SERVICES 11 P.O. BOX 15014 e WILIiINGTON DE 19886-5019 , TRACEY BOWEI2MASTER 207 50UTHSIDE DR N~WVILLE PA 17241-891007 S 001000000l04000000000000000000000f00004496450000s1i0000043130271831264r96 S 000442564000438961000000000000000000004996450000580t000431802718312d496 ~IDLTE PAYMENT D~3E ~ EING DATEA ACCOtTNT NUMBER CREDIT LINE CASH QR CREDIT 4313 0271 8312 6496 $6,600 $1,603.55 33 01/13/04 558.00 02/10/04 DATE AT NUMBER va ARY 2004 STATEMENT PAYMENTS MID CR DITS 51.00 CR 1220 35452407003 VS PAYMENT - THANK YOV PURCBAiEi ANO ADJIgTMEOITt 1210 1215 242107333tI0Z8613131527lI Y$ C N J MALLgNEMA 8 CARLISLE PA 20.00 1217 1216 Zli460~0717087080008 V8 C CLAIREB BOUTIQUES 5408 CARLISLE PA 32.86 1217 1215 2441 VB C HOUSE OF CARDS CARLISLE PA 35.15 1217 1215 231408137 VS C WALMARTlP2tiT4 CARLISLE PA 148.40 1217 1215 24220383380080731405720 VS C WALMARTlP2ST4 CARLISLE PA 149.60 1222 122D 17 V8 C DO R YOURSELF 8PA CAP t,A11P HILL PA 47.70 '1223 1221 12507 MS C WALMARi 1/2574 CARLISLE PA 32.53 T2Q4 1228 24465013357887310007888 VS C YVIU9NER • 80N8 INC CARLISLE PA 42 • ~ , ~ ~ E 7 I 69.43 FIANIC8 8UROP A 1220 1226 24301733382080068748007 VS C COV NTRY AiARKET NURSERI M EC TOTAL TOR SILLINS CYCLE FROM 13l12f2003 TiNtOUBN ih3/2004 0578.02 151.00 CR IMPGRTANT ENJOY THE CONVENIENCE AND FtEX1t31LITY THE ENCLOSED CHECKS OFFER. Nis FOR UP-70-tHE-MINUTE ACCAUNT ACTIVITY, VIS1T NMNY.IBSNETACCESS.COM. Previous • Payments t Cash + Purehases + Periodic Rafe t Transaction = NeW Bilaft0e 88 a Ouri $O.oO eatanoe and Credits Advances B~Wluatmems Finance Charpw t*Inance Ghatgee Total arrant Payment $SS.Ots $4,{25.89 $51.00 ;D.DO $578.02 $63.11 ,40.00 >){,996.{5 Total Min Payment Dt7MS8.00 Category Pik Correseponding subject to FIOR YOUR SATISFACTION, EVERY HOUR, EVERY OAY Pa'otu~ape Rate Finanu Charges A. BALANCE TRANSFER. CHECKS .00000096 DLY OD.00% - To speak to one of our Customer Satisfaction repnesentatlves, B. ATM, BANK ....... ,027123% DLY 00.0096 10.00 call the number on the back of your credit card. C. PURCHAt3E8 ........ ,027123% DLY D0.0096 04 X886.85 tk OTHER 9AI.J111CE8...... .00000096 DLY 00.00% 00.00 -For TDD (TSieeommunications Devip for the Deaf) assistance, caii t-sn0-34s317t3 F R YETIS BILLI2JG PERIOD . ANNUAL PERCENTAGE RATE ... 9 • ~~ written inquiry resenAd onl hts are Billi i b d i . p y ng r g y ~ Inc u es Per odic R ate a Transaction Fee finance Charges) • n d Deli filling Inquiries to: ` ~ pyy RR pp TQ~ p CAfiE BMIKCARD SERVICt3 P.O. BOX 15028 Q ~ ~ T' ~ G $ $ $~ M WILMINGTON, OE 19850-5028 pjJR ~ O NE~~ C:it k AUNT NUMBER M&T B an 4313 0271 6312 6496 PAYMENT DUE DATE NEW BALANCE TOTAL CARDHOLDER SINCE 900H 01/12/04 54,425.68 TOTAL MI i MUM PA T EI~OSED Make check $59.00 ~~ payabl~~ ~D SERVICES 11 P.O. BOX 15019 . WILMINGTON, DE 19886-5019 H TRA CEY BOWERMASTER 207 SOUTHSIDE DR NEWVI~LE PA 17241-891007 5 •00000000000000000000000000000000000004425690000b1000004313027183i26498 5 00044298100043948000000 00 0 0 0p0000001004425890000b1000004313027183128498 DD pp yy gg ACCOUNT NUMBER CREDIT LINE CASH OR CREDIT SYlSL&ING DATBAY~ZDUE PAYMENT DUE 4313 0271 8312 6496 S6,S00 $2,174.31 30 12/11/03 $51.00 01/12/04 ATE DAT ER vs A C ER 2003 STATEMENT PAYNiENTO ANO CREDITS 1202 39654990031 YS PAYMENT-THANKYGU 40.00 CR TOTAL PoR BR.LIN6 CYCLE FROM 11!12!2003 TNROUBR 12H1/2003 f . •0 140.00 CR IMPORTANT ENJOY THE CONVENIENCE AND FLEXIBILITY THE ENCLOSED CHECKS OFFER. NEWS pAY YOUR BILL QUICKLY WITH PAY-BY-PHONE SERVICE. CALL 1-888.287-8236 TO USE THIS AUTOMATED SERVICE. PAYMENT POSTS THE SAME OR NEXT BUSINESS DAY. KEEP TRACK OF YOUR HOLIDAY SHOPPINf3. VISlT US AT WM1iW.IBSNETACCESS.COM. Provious - Payments + Cash Balance and Credits + Pur~asss + Periodic RaN + Transaction =New 6alanee a8 a Olin }0.00 Advenoes gpdjustmants Finenes Cher+$ea Finance CheeOes Total rrent Payment $51.00 }e~e2Y.61 ${0.00 $0.00 }0.00' $3b.0a $0.00 }{,425.69 ot$1 Min Pa yment Du>PSi.oo ~~°ry P Rat~ic CO~gnnpua~l Ing SubJed to FOR YOUR SATISFACTION, EVERY HOUR, EVERY DJ-Y Pereents0e Rats Finance Charye3 A. BALANCETRAN8FER, CHECKS .00000096 DLY 00.0096 - Ta speak to one of our Customer Satisfaction representatives, B. ATM, BANK • • . • .. • .02712396 DLY 00.9096 00.00 rill the number on the back of your ereGlt card. C PURCHASES........ .02712396 DLY 09.9096 64,433.72 Q OTHER BALANCES...... .00000096 DLY OO.OD% •0.00 -For TDD (Telecommunications Device for the Oeat} FORT I BILLING PERI D assistance, cast 1-800.346-3178 NUAI.PERCENTAOE RATE... 9.e0yL Includes Periodic Rate and T r a n s action Fee 1riariCe Charge8} - Blliing rights are preserved only bywrltten Inquiry. Mail jJJ ~~~~ J$ jj ~ VI' ~P.O . BOX 15024 ~~T K ~ D ~S~~O l1 ~ ~ • l f G'TON, WIUUI N E VRIGID M&T Bank Make check payabl~~ARD SERVICES P.O. BOX 15019 WILlSINGTON, DE 19$85-5019 43t3 0271 8312 6496 GUtOHDIDlR SIltICI' X403 it ACOOUNT UMBER 4313 0271 8312 6496 PAYMENT DUE DATE NEW BALANCE TOTAL 12110/03 14,429.61 T AL MINIMUM PAY.ilQS109T~$03ED 515 REDUCED PMT TRACEY B~WERMASTER 20T SOUTH5IDE DR NEWVILLf PA 17241-891007 S 00000000000000000000800f0000000000900044296109001500000431302718512l:4t96 S 0004446600094409449000000000000000000044296100/O1S000004313027183126496 LINE CASH OR CREDIT ~YSS,EING DATBA~I~UE PAYMENT DIIE =6,600 02,170.39 29 11/tijD3 sty REDUCED PMT 12/10/03 ATE ~DAT~N[JNlBER trrre~ ~ NOVEIOBER 20Q3 STATEiMENT ~~ PA N C E 1105 908012623882 VO PAY0IENT-THANKYOU TOTAL FQR OILUNS CYCLE fROM 10/14/2000 TNROUBN 11111/2008 CONGRATULATIONS! YOUR CREDIT LIMI7 HAS BEEN INCREASED TO 66800.00. 1MRORTANT REDUCED PAYMENT OFFER: PAY ONLY 115 THIS MONTH. REGUUlR PAYMENTS WILL RESUME N~$ NEXT MONTH. FINANCE CHARGES WILL CONTINUE TO ACCRUE. PAYING ONLY THE REDUCED PAYMENT AMOUNT MAY NOT BE ENOUGH TO PAY OFF YOUR FINANCE CHARGES. PLEASE REMEMBER TO PAY ON TIME TO AVOID LATE FEES. ENJOY THE CONVENIENCE AND FLEXIBILITY THE ENCLASED GHECKS OFFER. PAY YOUR BILL QUICKLY WITH PAY BY-PHONE SERVICE. CALL t-8E8-28P-9258 TO USE THIS AUTOMATED SERVICE. PAYMENT POSTS THE SAME OR NEXT BUSINESS DAY. reolous Pxymeets t Cash t P lalance and Credks Advarwes &Ad a4 ae6.6o ss2.oo po.oo Periodic Category Rate A. BALANCE TRANSFER. CHECKS .00000096 DLY 8. AT9A, BANK ....... .0271296 DLY Q PURCHA8Ea ........ .OQ71209E DLY D. OTHER BALANCEt3....... .000000% DLY Charges) - Bi11i~ rights are preserved anly by written Irpulry, Malt biding inqulrias to: BANKCARD SERVICES P.O. BOX 15026 WILMINGTON, DE 1989D-3028 62.00 s.a9 ss2.os rcnases + Periodic Rate + TransscNon ~ Naw Balance rasL ante t>;mvua~ ~v.vu ~ stmeMs flnanwCMrgn Plesacechsroee Total urrent Payment (Reg$so.oo~ po.oo sss.oi $o.oo g4,az9.6>. in Payment Due (Red~as.oo l ~. . , Correseponding Balance Annual SubJact to FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY Peitrentage Rate Rnanee Gharoes . OQOD% - To speak to one of our Customer 3adstaction representatives, 00.909E •0.00 call the number on the Dade ai your credit card. . 00.9096 04,50.95 00.009E 00.00 -For TDD {TaleoommuNCatlons Device for the Deaf) asaistanee, tall t-80O306317a 9.90% M&T Benk Make check gayabl~A~~D 5ER9ICE3 P.o, sox 1sa14 iQILMINGTON, DE 198$6-5019 (ACCOC]NT NUMBER 4313 0271 8312 6496 CARDHOLDER SINCE 2003 11 ACCOUNT NUM$ER 4313 0271 8312 6496 PAYMENT DUE GATE NEW BALANCE TOTAL 11110/03 54,446.60 „ ED TOTAL MINIMUM PA ~ $52.00 TRACEY BOWERMASTER 20T SOUTHSIDE DR NEWVILLE PA 17241-891007 S 0000000000000000000000000000000000000044466000005200000431302718322b4% S 00040755500040451300000000000000N00004441L60O0005200000431302718312ts496 [NE CASH OR CREDIT >B1fSLElb>$LFsING DATEA~~UE PAYMENT I 5,500 $1.053.40 31 10/13/03 $52.00 11/10/C SATE IDATSNiJMBER hvvd 1 OCTOBER 2003 STATEMEM PAYMENT6 AND CREDITS 1006 28160976816 V8 PAYNEIVT-THANKYOU 50.00 PURCNAiE$ AND ADJUSTMEMTi 0013 0011 VS C WALAIART #2674 CARLISLE PA 88.20 0919 0911 Y8 C WALlaAARI' i2J' 1'4 CARLISLE PA 111.89 0913 0919 2422606326686D009M1460 Y8 C W111NIART I2S74 CARLISLE PA 31.63 0016 0914 2434132626B2d2?S7p10O69 Y8 C QETTY 67641001 801UNG $PAINPA 31.25 0025 0020 24Q294032876137310101N VS C OUTL00103 FCR HAIR q CHAlii1BERBBURG PA 68.00 11929 ONO 24010400271072006360949 VS C OPRIN6NWDFACTOFIYt-80HEROHEY PA 26.47 0900 OON 2416407SQT2023000078660 Y8 C PFALTZGR 00000001 HERSHEY PA 26.45 TOTAL FOR 611UN0 CYCLE FROM Of181~OD3 TIIRDUON 10J1E/2000 0383.89 tib0.00 IMPORTANT ENJOY THE CONVENIENCE AND t~FXIBILITY THE ENCLOSED CHECKS OFFER- NEWS CONTACT US AT wnwv.lBSCASH.COM OR 1-aBB-575.33D9. YOUR CREDiT UNE IS INCREASED TO THE AMOUNT BMIONIN ABOVEI USE IT TO TRANSFER OTHER ACCOUNT BALANCES TO THIS ACCOUNT. CALL t-8008153277. WWW.IBSNETACCESS.COM -ENJOY THE OONVENIENCE OF FREE, 24-HO{!R ACCOUNT ACCESS. Previous -Payments + Cash + Purchases + Periodk Rata + Trensaction =New Balance Fast DU.A AmOLlrit SO.00 Balance and Credits Advances BAdJustments Finance CharOee Finance Chetges Tota! CurYerit Payment 852.00 fa,oTS.ss aso.oo IRO.oo 8399.e9 f37.lfi ><o.oo Sa,aa6.ao Total Min Payment Du~2.oo Periodic Corraaepondiny Balance CateOorY Rate Annual Subject to FOR YOUR SATISFACTION, EVERY HOUR, EVERY OAY Percentage Ram Finance Charges fl BALANCE TAANBFER, CHECKS .00000096 OLY 00.00% - To speak to one of our Customer Satistadlon representatives, B~ ATIl, BANK ....... .027120% DLY 099096 00.00 cal l the number on the back m your credit card. C. PURCHA8E8........ .02712396 pLY 00.90% !4,419.06 D. OTHER BALANCEe...... .p00000%OLY 00.0096 10.00 -For TDD {Telecommunications DaMCe for the Deaf) _ - ---- --- _ _ -_ _-- _ _ assistance, cell 1-t1003a~3178 9.90% Charges) - Biilinq rigtris aro preserved only by written inquiry. Mali billirfp inqulr{es to: BANKCARD SERVICES P.O. BOX 13028 WILMINGTON, DE 18890-3026 AccouNt Nt]titBER M&T Bank 4313 0271 8312 6496 PAYMENT DUE Ds4TE NEW BALANCE TOTAL CARDHOLDER SINCE 2003 10/12/03 24,075.55 TAL MI IMUM PA f1pT B4i8.OSED Make check $x8.00 payabl~~~D SERVICES 11 P.O. BOX 15019 WILMINGTON, DE 1988b-5019 TRACEY BOWERMASTER 207 SOUTHSIDE DR NEWVILLE PA 17241-891007 S 800000000000000000A000000000000000000040755500f045000004313827183126496 S 808235643000236209080008000088000000004075550000450A000431302718312b496 DATEA~I~N'P~IIE PAYMENT DUE ~ g,EING ACCOUNT NUMBER CREDIT LINE CASH OR CREDIT SY 4313 0271 8312 6496 SS.000 $924.45 31 08/12/03 $45.00 10/12/03 1 ATE DAT ER PE A EMBER 2003 STATEMENT 0010. 7448QbD3287118SS0900008 VS PCiOLF DI1I~NBIONB I N NYRTL,E BCH 8C 10$.15 CR 33 Oi CR . 0002 0037 08020363720188 Y8 PAYIIENi-THANKYIOU PURCHAbEi AMD ADJLItTYBENTi 0013 Obi 7 24477313224000000186342 V8 C ALLI3ATOR ADVENTURE O! N MYRTLE BCH SC 13 . S7 0813 0811 2A477313224800000186R45 VB C ALUQATOR ADVENTURE OI N MYRTLE 8CH BC 10.45 0815 0616 24084133228800000133746 YB C KL.IG'8 KR~ MY1'1TLE 8EJ4CH SC 28.35 0813 0613 X180000160 VS C DEL 80L MYAfLE BEACH 8C 77.70 0613 0814 244>I@8d5ZZ8ri86b0900810 V8 C 6rOtF DIMEN8K3HB N MYRTLE 8CH SC 936.8b 0618 0817 24412868228010000018068 V8 C HOUSE OF CARDS CJIRLJBLE PA 31.75 0625 0823 2448886323661700081288b 1!8 C CHRIgTOPHERBBIWK911414 CAMP HILL PA 119.99 0802 0830 24882105242000104015580 V8 C ARBONNE INTERNATIONAL 800+272-eBM3 CA 205.91 ORDER -IO. 1180870000000000 0808 0801 243.28 01 324 51 1700 8 01 01 7 7 V$ C MGA TELETHON THANK YOU 8208288200 PA 25.00 ORDER NCl 008010176006248800 0003 0002 243017 V8 C GALLOWAY HOUSE INC 717-288.6705 PA 44.45 ORDER MO 0006 0803 Y4323013~247118078016868 VS C MENCHEY MU81C 8ERV INC HANOVER PA 48.00 0908 0806 24861005248120248010010 V8 C NEADCWLARK PRTY SHOPPE SHIPPENbBURO PA 25.88 IIYIPORTANIT AN IMPORTANT AMENDMENT TO YOUR ACODUNT TERMS tS ENCL06ED. N~s ENJOY THE CONVENIENCE AND FLEXIBILITY THE ENCLOSED CHECKS OFFER- . OR OONTACT US AT WWW.IBSCASH.COM OR 1~615~300. PAY YOUR 811L QUICKLY WITH PAY-BY-PHONE SERVICE. CAIt t-88&287-9258 TO USE THIS AUTOMATED SERVICE PAYMENT POSTS THE SAME OR NEXT BUSINESS DAY. tAMNV.IBSNETACCESS.COM -ENJOY THE CONVENIENCE OF FREE, 24-HOUR AGOOtiNT ACCESS. Prsvious - Payments + Cash + Purchases + PerlodtC Rata + Transsceon ~ NeNe eatana as E Ot1Ylt $0.00 Balance and Crodks Advances JuslmsMs Finsnee CBSrges flrrsnos Cheryee Total UrE'P.nt Payment 845.00 $2,380.43 8141.15 $0.00 $1,805.85 $30.42 $0.00 84,OTS.55 Otal M121 Payment DUOt5.00 Periodic Corresepondln8 Balance CaRsOory Rats Annwl SubJect to FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY Percentage Rate Flnanoe Charges A BALANCE TRANSFER, CHECKS .000000'!6 DLY 00.0096 - To spaaK to one oI our Customer Satistactlon rapreserrWtirros, B. ATM, BANK ....... .027126% DLY 08.00% 00.00 tali the number an the hack of your credit card. C. PURCHASES..,,.... .027123% OLY 00.80% =3s610.08 D, OTHER BALANCE8...... .00000096 DLY 00.0096 00.88 - For TDD {Taleoommunicatlons Device for the Deaf) assistance, tail 1-90D~348-3178 FOR THI BILLING PERIOD 990% ANNUAL. PERCENTAGE R/4TE .. . saction Fee finance Charges} - Bining rights are presannd only DywrNten inquiry. R ate and T Includes Pe ri odic r n a ~ R { ]$ ~T Mali DiBANKCARD~SERVICE& P.O. BOX 15026 !!~ )j I R ~~ ~ ~O I E l ~ y H I t S ~F, WILMINGTON, DE 18$50.6028 ORI ~ F~i : S7.,C)C ~ AQODUNT NUMBER 4313 0271 8312 6496 ~&T Bank PAYMFJ~I7 DUE DATE NEW BALANCE TOTAL CARDFDLDER SINCE 2t303 10/1203 $4.075.88 T MINIMUM PA T P~osE ~ Make check g45,pp payabl~~Q>__D SERVICBS 11 ~t: Ax P.O OX 15019 B WILMINGTOK, DS 19886-5019 TRACEY BOWERl~ASTER 207 SOUTHSIDE DR NEWVILLE PA 17241-891007 S 00000000000000f00000000000000000000000407355000045000004313027183126496 431302718312b496 00 0 0004500 000000407555 0 0 S OA0238043000236Z09000000000000 0 ~~ pp NN __ ~~ ~ N ~ ~ DII PAYMENT DUE ~ E7~iNfING DATEA ACCOUNT NUMBER CREDIT LINE CASH OR CREDIT 4313 0271 8312 6496 :5,000 6924.45 31 09/12/03 E4S_00 10/12/03 TE pAT ER rs ~ EP EMBER 3003 STATEMENT E LIBLE PA 127.25 0000 0000 2401 Y9 C T'HEBONTON4'iO CAR DODO 0007 2401W93ffi100401H517081 VS C BEARS ROEBUCK F.tO4 Ci1A1ABERSBUi;3 PA 33.99 OOOO 0007 2402O403it61318751010001 V8 C OU[L00104 FOR tiA1R 08 CHAIMBERBBURCi PA ~ • 00 TOTAL FOR i1LUN6 CMCLE FIOM 0/1$/2403 TNROUON 01121200$ 11,805.85 8141.15 CR IMPORN ~ E g Previous -Payments + Cash + Purchases + periodic Rate + Transsetlon >, Maw Balance d3 a 0.011I1t ;0.00 t3aiance and Credits Advances i4Adiustments PMsncs Charges FUaaoe Chan,,tas Total rrent Payment ;45.00 ;2,380.43 $141.15 ;0.00 $1e805.85 ;30.42 50.00 54,075.55 otal Min Payment Du~s.oo Periodic Corraseponding lance Category Rste Annual Subiad to FOR YOUR BATISFAO'TNlN, EVERY HOUR, EVERY DAY Percentage Rate Flnana Charges A. BALANCETRANBFER, CHECKS .000000% DLY 00.00% - To speak to one of our Cus6omar Sattsfadton npnasenraUves, B. ATlii, BANK ....... .OtZ7183% DL.Y 00.00% 00.00 calf the number on the beak of yaw credit card. C. PURCf1A$ES ... .. .0@7123% DLY 00.O09i 13,618.00 D. OTHEii BALANCES.. , ... .000000% DLY AOd10% 00.00 -For Ti70 {Teteeommunications Device for the Dent) assistance, tali t-800-348.3178 R HIS ILLT G PERI D 9 90X . ' NVAi. PERCENTAGE RlftT E .. . (Includes Periodic Rate and Transaction Fee finance Charges) - eating rights are preserved only by wnnen inquiry. Man billing irqulries to: ,.,. X 13026 t ¢ ~3C ~; ~~~ 0 ~~~ 1989ft-b028 ~~. WILMINGTON, DE K M $ ~ ~~~ ~ M&T Bank ACWUNT NUMBER 4313 4271 8312 fi49-~ PAYMENT DUE DATE NEW BALANCE TOTAL CAROHOLOER SINCE 2005 09/11/03 =2,380.43 TOTAL MINIMUM PA iBaTBiNLosED Make check $33.00 payabl~IB~~I~ APIERICA 11 F.o. Box lsol9 WILI~SINGTON, DE 1988b-5019 TRACEY BOWER~AASTER 207 SOUTHSIDE DR NEWVILLE PA 17241-891007 S 00000000000000000000000000000000000000238043000033000004313027183126496 0033000004313027183126446 0 0 00000000f00238043 S •0017S742000177492000000 0 0 0 ~T pp TT ,, ~~ yy gg ACCOUNT NUMBER CREDIT LINE CASH OR CREDIT ~YRLEING DATEAYI~~ PAYMENT DUE 4313 4271 8312 6496 ;5,000 32,619.57 32 08/12/03 $33.00 08/11/03 0 A TE DAT R re AUGUST 2009 STATEMENT 0728 748104332060p4016723188 V8 8EAR8 ROEBUCK 2224 CFUIMHER86URd PA 47.49 CR ORDER NO. 88651287850006890000007 3b.00 CR 0720 21054462280 VB PAYIOElTT-THANKYOU 07x0 74800008210000700200006 V8 KNART 00007601 BHIPPEN88UR0 PA 9.63 CR PUwCNA3~ ANO ADIUfTMENTt 0712 0711 24779009108121094976246 V8 C 4RFJ1t WALL CARLISLE PA 12.08 0714 0712 944450081W1692963008708 V8 C CWRE'8 80UTIClUE6 840 CAIOP HiLL PA 70.74 0714 0712 244001600104512570782048 V8 C EDDIE BAUER 0787 CAMP HILL PA 75.56 0721 0716 24246818201006000280074 V8 C ADVANCE AUTO PART6 #12 CJIRLIBLE PA 31. b5 o72s 0722 2461 vs c TLa TRAVEL ADire6fbxae2 eoas46-,115 cT ~ 1.00 0728 0720 24800006206007716207604 V8 C KIAART 00077481 CARLISLE PA 15.57 0726 0728 2402046920B61J781010146 V9 C OUTLOOKS FOR HAIR 63 CHAMIBER06UR0 PA 42.32 0720 0790 244{0003200680564708016 V8 C CWRE'8 BOUTIQUES 541 CHAYBER86URG PA 24.38 0781 0728 2478642821112'2119061428 V8 C BCgJNO BPRIN08 ANIMAL BOILINd BPRINPA 109.42 0004 0602 24?a0028218060111406531 VS C 080803 SILVER SPRINQ D MECHANK~BURGPA 40.23 0004 0608 243263082158P0704s02487 V8 C WAL MART MECHANICSBURdPA 189.8a 0011 0600 24810488222072010448410 V8 C QUr1LRY INNB/SURES RI RK9iMOND VA 53.96 HOTEL FOL.p # 0000000055967 IMPORTANT ENJOY THE CONVENIENCE AND FLEXIBILITY THE ENCLOSED CHECKS OFfER- NEyy$ OR CONTACT US AT WWW.IBSCJ4SH.COM OR 1-866.815-330@. PAY YOUR BILL QUICKLY WITH PAY-BY PHONE SERVICE. CALL i-806.287-8?36 TO USE THIS AUTOMATED SERVICE. PAYMENT POSTS THE SAME OR NEXT BUSINESS DAY. WWW.lBSNETACCESS.COM -ENJOY THE OONVENIENCE OF FREE, 24 HOUR ACCOUNT ACCESS. GO TO WWW.IBSNETACCESS.OOM -VIEW YOUR ACOOUNT ONLINE • ANYTIME, ANYWHERE. Previous -Payments + Cash + Purchases + pwiodic Rata + Transaction ~ Naw Balarwe as a Oun $0.00 Selene. and Credits ,q~pOpyA 6+4dJuatments Finanee ClurOes flaanoe Charyes Total rrent Paytrient 539.00 $1,787.42 $92.02 $0.00 $ti11.69 $18.34 $0.00 $2, 380. d3 otal Min Payment Du~ta.00 Pariadic Corrosepondiny Balance Category Rate Annual SubJed to FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY PerceMaOe Rate Flnarree Charyes A. BALANCETRAN$FER, CHECKS .000000% DLY 00.0096 - To speak to one of our Customer Satisfaction repnasentaiives, B. ATM, BANK ....... .0@7129% DLY 00.00% !0.0• calf thQ number on the back of your credit card. C. PURCFtA8E8........ .0¢712396 ~Y 00.00% $2,112.77 D. OTHER BALANCES...... .00000096 DLY 00.0096 10.00 -For TDD (TslecommunlCations Device for the Dear? assistance, call 1-Boo-348-3178 FOR THIS BILLING PERIOD ANNUAL PERCENTAGE RATE ... 9.801E Includes Periodic Rate and Transaction Fee finance Charges) - Bllliny ri0htsare preserved only try written Ingwry. R Mail biNin0lnquirlesto: CATS ~ 15028 1~ ~~~O I ~ S 98Sr}tS028 IW UAINGTONEDE I<T: R) ~~ ~ ~ ACGJUNT NUMBER ! 5~ K 4313 0271 8312 6485 PAYMENT DUE DATE NEWS TAL CARONOLDER SINCE 2003 08/11/03 32,380.43 TOTAL MINIMUM PAST Z~OSED Make check payabl ~~AMERICA 333.00 11 P.O. BOX 15019 WILMINGTON, DE 19886-5019 TRACEY $OWERMASTER 207 SOUTHSIDE DR NEWVILLE PA 17241-891007 s ooooooaeaooooo000000oooooeaoeooeooooeozaawlaooooa3oeoeo4slao2naa12ea196 s Coos.~aTazoooi»a92ooooo eo O o oooooooeooo2aaoaa a O O3 3o0oo O O43isoznaa126'a9a ACCOUNT NUMBER ~~ AA yy gg pp TT TT AA LL NN CREDIT LINE CASH OR CREDIT HYSLEING DATEAYl~N~ID PAYMENT DUE 4313 0271 8312 5486 35,000 52,619.57 32 08/12/03 333.00 08/11/03 ATE T NUMBER AUQUST 2003 STATEMENT PURCNAi~ AqD MENTE ARRNAI p11TE 0/00/03 TOTAL ADR ^11.LI110i CYCLE F110M 7!12/2005 Tgtt011BN 0I72/20D8 0666.59 192.02 CR IMPORTANT NENtS Pntvlous Balance - Paymenia and CreAits t Cssn + Pt-rehaaes + Perlodlc Rama + Transaction = NMV Baianoe as a oun $o.oc Aa~ancea Justments flnence CAarOw Flnena CMrges Total urrent Payment ¢33.00 ¢1,707.42 ¢92.02 $0.00 $666.69 $10.34 ¢0.00 ¢2.380.43 otal Mlri Pa yment Di1R°13.o0 Category P~Ic Corfesaponding Balance Annw1 Sub)aet to FOR YOUR SATISFACTION, EVERY MOUfl, EVERY DAY A. t')ALANCE TRANSFER, CHE~CIGB Percarltage Rate Fnanee Charges .0000009L DLY 00.OD% - To speak to one of our Customer Satistactlon ropresentathres B. ATiA, BIWK ....... , .027123% DLY 00.00% 00.00 eaH the number on tlw back of your CreAlt card. C. PUIICFU18E8 ........ D. OTHER BALAWCE8...... .0271P8% DLY 69.00% i2~ 112.77 .00000096 DLY OD.OQ% 00.0• -For TDD (Telecommunications Oevlee for trte Deaf) FO THIS BILLING PERIOD assistance, Call 1-800.34&3178 NUAL PER~NTAQE R1,TE ... 8.80Y Includes Periodic Rate and Transaction Fee finance Charges) - BIIIIng rights ant pfesarve,C only by wrlriert Inquiry. ~ CQ~~ yp Mall Wllin9 irpuiries to: ~ QR T 1,HS $p $~ C:ATE BIWKCARD SERVICES P.O. 80X 15026 ~ _ R T ~ ~T • Q R WILMIhKITON. DE 188303026 M&T Bank CARDHOLdER SINCE ZOD3 jMake check ',payabl~~ARD SERVICES 11 P.O. HOX 15019 WILMINGTON DE 19886-5019 ACCOUNT NUMBER 4313 0271 8312 6496 PAYMENT DUE DATE 08/11/03 T TAL MINIMUM PAI NEW &4LANCE TOTAL 61.787.42 ',16R1 7 DOSED 527.00 ' TRACEY BOWERMASTER 207 SOUTHSIDE DR NEWVILLE PA 17241-891007 S 00000000000000000000000000000000000000178742000027000004313027183126446 S 00010045800109978000000DDf0AA0yy0gg00000000000178742TT0pp0~~0AA02LL70MM0_00~074313027183126496 'ACCOUNT NUMBER CREDIT LINE CASH OR CREDIT HY6LEING DATPAYN~IT ~J PAYMENT DUE 4313 0271 8312 6496 55,000 ;3,212.58 29 07/11/03 ;27.00 OS/ii/03 ATL~' DAr )?]UMBER pE JULY 2003 STATEMENT -~ ~- PAYMENTSAND CIIEDiTt 0710 1010510Y010 V8 PAYMEIYr-THANKYOU 30.0• CR PURCNAOEL AND ADJUBTMENI'8 13018 0011 240003108010882100113 Y8 C PAYLEQBBFIOEBOUOOOSOQI4CAMP HILL PA 33.46 0815 0011 24010453185004019700030 Y8 C 13EAR8 ROEBUCK 2824 CAMP HILL PA ~ 47.49 0618 0012 24224983103500313128780 Y8 C WALMART 12674 CARLN3LE PA 121.00 0016 0019 24580003100007748184863 Y8 C KMART 00077481 C~IBLE PA 107.49 0018 0017 24802183188000056480819 V8 C ARBONNE INTERNATIONAL 000.272-OQ83 CJl 70.00 ORDER N0. 1028100400000000 0018 0017 24228383188300470078885 V8 C WALMARf 52674 CARLISLE PA 121.00 08123 0821 24488015172178572084400 Y8 C DENNY'$ 51342 MECHANKx48UR PA 40.28 ORDER NO. 0107484i342V08Y7000681424 00@0 0828 24320.905175.900048445800 V8 C WALNARr /2674 CARLISLE PA 32.44 0050 0020 2471705518012180143x788 VS C QLRTER 8 GOLO OCE/1N CRY MD 29.40 4706 0704 242ZB383186580a03704382 V8 C WALIM1Rf 52674 CARLNILE PA 91.39 0707 0700 241041373187408058514002 V8 C 02838FiEETZ 00002034CARU8LE PA 24.00 0700 0707 2408318310x000760200020 t1B C .41Y8 BQAfID8H0P MAILORD x4xi2S1000 CA t1 57. T4 ORDER N0. 7E02000gf-404251080 0711 0700 24403003191xOD31x100207 V8 C GREAT WALL BUFFET CARLISLE PA 24.65 IMPORTANT ENJOY THE CONVENIENCE AND FLEXIBILITY THE ENCLOSED CHECKS OFFER- NEWS OR CONTACT US AT WWtN.IBSGASH.COM OR 1~SiS3308, GO TO NNMW.IBSNETACCESS.COM -VIEW YOUR ACOOUNT ONLINE -ANYTIME, ANYWHERE. Ptrnrious -Payments + Cash 13elance + Purchases + Periodic Rats + Tnnsectlon =New Balance a8 ~~ $0.00 and Credfts Advances &AdJusfineMS Finance CllapgM flnanca Charges Tobl Trent Payment 827.00 $1,008.58 $30.00 ¢0.00 $800.38 $17.50 50.00 $1,787.82 otal Min Payment Du~7.OO Perlodie Corresepondirq Balance ~e0°rY Rah Annual SubJed to FOR YOUR SATISFACTION, EVERY HOUR, EVERY DiAY Patt:atrtsge Rate Finance Charges A BALANCE TRANSFER, CHECKS .007x46% DLY 02.90% 00.08 - 7o speak to oM of our Customer Satisfaction representatives, B. ATM, BANK ....... ,0¢7121!6 DLY 0x.9096 0®, 00 call the number on the back of your credit card. C. PURCW18E6........ .0¢712376 DLY 00.80% 01,588.60 D• ~~ ~~~ • • • • • •000000% DLY 00.0076 00.08 -For TDD (Telecommuniestions Device Tor the Deaf} F R THIS BILLIN PERIOD assistance, call 1-800.348-3178 9.9091 NUAL PERCENTAO~ RATE .. . Includes Periodic Rate and Transaction Fee finance Charges) -Billing rigMsarc preserved only bywrrtten inquiry. C C! ~jE ~T E ~ ~ ~~ ~~~ a~~~ F~ MaN Wiling Inqulrfas to: t3ANKCMD SERVICES P.O. BOX 15026 ~ L_T ~ 8 y ~ s~17 s A IACK Xi'LMi~IY WILMINGTON, DE 18t330•SOdB ACCOUNT NUMBER M$t7 Bank d313 0271 8312 6496 PAYMENT DUE DATE NEW BALANCE TOTAL ~.. CAROHOlOlR SINCE 2003 51,004.58 O7/10 T `AL INI A OIaT Make check $21.00 payabl~~~D SERVICES 11 P.O. BOX 15019 WILlYIPIGT4N, DE 1988b-5019 TRACEY BOWERMASTER 207 SQUTHSIDE DR NEWVILLE PA 17241-891007 s o000oooooeooeoeeoooaoeooooo0oooooeooeoloossseooexioeooo4aiaoxna3lxeal96 s o0007498400oo749a4ooooaoo+0o0ooe08ooo0loo45aoooo21oo0e043130271831x6496 G DATBA~x~ PAYMENT DUE ~ EIN ACCOUNT NUMBER CREDIT LINE CASH OR CREDIT 4313 0271 8312 6496 59.000 $3,995.42 30 06/12/03 E21.00 07/10/09 ATE AT ER PE 2003 STATEMENT 0524 748104331430040611SJ708 V'8 NEWPORT NEWS PURCHASE 757-32d-4GOS VA * 15.80 CR ORDER NO. 4571808478 92 CR 357 . OB27 0828 08270969636208 V8 PAYMENT • THANK YOU tUAC1iAfEt AND AAIUiTMEMTi 0414 0611 249¢90t3t33128238011t98 VS C OUT6ACK/80Ri MECHANK:88URf1PA 56.39 28 41 . 0321 0620 24124703140010000020806 Y5 C LMA'8 FLORAL SI~PPE NEYYVILLE PA 44 45 . 0623 0621 247ttRS23t4288908703~2836 YS C BATH tk 800Y WORKS 0878 tNiA118ER8BURt3 PA 0827 0628 24488013t48t48934998845 V8 C BHEETZ+1~289 GRL18E PA 10.00 ORDER NO. 0460tt110®g5Y11YT00048g065 161.77 0627 0628 24486013148148343038438 V8 C NELL'Sii208 CARLNiLE PA oRDEa No. oo61ow2eatvetY4oooo71aa2 ,~ 76. r5 0lYd0 0627 248104331470041 V9 C PC AMETACAN OIIRL 800808-0006 WI ORDER N0. 0000014802746 02 24 . 0831 0690 24495889151008160240218 VS C WINE 4 SPIRfTB 2103 SHIPPENSBURA PA 97 14 . 0802 0681 24.180009132708911588987 V8 C YALUECtTY 0000i086CHAMBERSEIUROPA 45 95 . 0802 0691 242886791828D0971885008 VS C BHENKdTRTLE 4r8 CFMIrMERSBURG PA 0807 0006 24485013187187934461873 VS C SHEETZ #-283 ' CARLISE PA 24.00 ORDER NQ 04500110288V11Y700D407820 IMPORTANT EN.toY THE CONVENIENCE AND FLEXIBILITY THE ENCLOSED CHECKS OFFER- MEWS OR CONTACT US AT wilwv.ISSCASH.COM OR t-880516.3309. Previous -Payments + Cash + Purchases t Parlodic Rate + Transaction .New Balance aS a noun ¢0.00 9alanq and Credits Advangs 8u4djustmante Pinang Charges Finanq Charges Tc2a1 Current Payment $21_00 ;749.86 0373.72 00. DO Oti21.1i0 56.78 10.00 $1,004.56 otal Min Pa nPnt Dt~1.00 Periodic Corresaponding Balanoe Category Rate Annual SubJect td FOR YOUR 8AT18FACTION, EVERY HOUR, EVERY DAY Percentage Rate Fitwnce Charges A. BALANCE TRANSFER, tXiEirKB .007W8% OLY 0200% •0.01 - To speak to ons d our Customer Satisfaction representathras, B. ATM, BANK........ .027123% DLY 00.80% 00.08 cal! the number on the track of your gedl! card. QPURCWl8E6........ .0~27125%DLY 00.80% i832.e8 D. OTHER BALANCES...... .000000%DLY 00.00% 10.00 -For TDD (Telecommunlgtions Device for the Dsaf- ' asalstanq, call t-800348.3178 F R 1'HI B LNG PERIOD ~ 90% PERCENTAGE RATE .. . Includes Periodic Rate 3Ild TranSaCtion Fee 1118nct? Charges) - Billing rights a» preserved only by written inquiry. Mailblllitginquiriesto: '„~ 80X 13020 D ~ T E ~~LOC:~ ~ ~~ ~~ ~~1N'r. 18650.59 ~ IW LMING7bNE L! S l P.I M &T B ACCOUNT NUMBER ank 4313 0271 8312 6496 PAYMENT DUE DATE NEW BALANCE T07AL CARDHDLOER SII~ICE 4003 07/10/03 81.004.58 TOTAL MINIMUM PA EBT LOBED Make check payabl~~~~D ;21 00 SERVICES I1 P.o. sox 15419 WILMINGTON, DE 19 886-5019 TRACEY BOWERMASTER 20? SOUTHSIDE DR NEWVILLE PA 17241-891047 S 0000000000000000000000000000000000000010045800002I000004313027183126496 S 000074198400007498400000 00 0 0 000210000 0 0 00 0 0 0 00000300458 04 313027!83126496 ACCOUNT NUMBER ~~ gg yy gg ~~ 77 ~~ ~~ _ T p N ~ CREDIT LINE CASH OR CREDIT HYSLEJ~i~iING DATHA~IDUE M PAYMENT DUE 4313 0271 8312 6496 55.000 ;3,995.42 30 06/11/03 ;21.00 07/10/03 ATE AT ER a JU 2003 STATEMENT PURCNAt ADJUiTMENT= 001 t ORtO 24063243102000830p0000 7 YS C P127A Hllf 1000 CAFiL18LE PA 21.01 0811 0010 2422830atOtJ00®808D708ti V8 C MfALIiIART#4874 CARUBLE PA 31.76 OOt1 0810 2422888818188028080787 3 VB C WALMARTi/25T4 OARLNlLE PA 81.21 TOTAL FOR BILLINB CYCLE FROM 5/14/2008 TNROUON 8/12!2008 0621.58 0373.72 CR NIIIPORTANT NEWS Prsvlous -Payments + Balance and credits Cash + Purchases + Periodic Rate + Transadlon .New Etalance a8 a Gun 80.04 Advances a,a,etustments Fimnee Charges Finance GhargOs Total Current Payment 521.00 6749.sa s3TS.~2 go.oo t;a2l.es ti6.TS 50.0o gl,oo4.se Total Min Pa ent Dus~l.oo CateOo-Y Periodic Carrassponding Balance Rate Annual $ublect to FOR YOtlR SATISFI~CTtON, EVERY HOUR, EVERY DAY Percentage Retc Fl nano! Charges A BALANCET'HANBFEF; CHEC101 .OOl0i8%DLY 02.00% 00.00 - To spwk to one of our Customer $atidaetion roDrosantatlves 8 ATIS BMiK ....... , .02715496 DLY 00.0091 10.00 cal I the number on the back or your ensdit card. C. PURCt•IAOEB......... 0. OTHER BALANCER... , .. .057153%DLY 00.0096 0832.88 .p00000%~Y 0Q0076 80.00 -For TDD (Telecommuniptions Device for the Dear) FOR IS BILLING PERIOD assistance, call t-90tY348-3178 ANAUAL PERCENTAGE RATE... 8.80~G Includes Per].Od1C Rate and Transaction Fee finance Charges) - Blliing rights aro preserved only by written Inquiry. C ~ A R~S C I~ T[ D E ~Q pg FAail billirq inquiries to: LATE BANKCARD SERVICES P.O. 80X ib02B L O C Q ~ ~tT . WILMINGTON, DE 1883o•S02tf ' R k AOOOUNT NUMBER M&T B an 4313 0271 8312 6496 PAYMENT DUE DATE NEW BALANCE TOTAL CAROHDLDER SINCE 2003 06/11/03 5749.84 TOT MINIMUM PAYiDif ®T FJ~OSED Make check 515 00 payable .tJ~~O SA N K SERVICES 11 P . O . BOX 15019 WII.lSINGTON, DE 19886-5019 TRACEY BOWERMASTER 207 SQUTHSIDE DR NEWVILLE PA 17241-891007 S 0000000800000000000000000000000000000007496400001fi000004313027183126496 S 00000000000000000000000 00 0 0 00100000000074984 0001500000 0 43 13027183126496 DD AA yy gg T p I ~ ACCOUNT NUMBER CREDIT LINE CASH OR CREDIT SYTTLbEIEdLL1MING DATBA~~IIE PAYMENT DUE 4313 0271 8312 6496 $5,000 :4,250.16 32 05/13/03 $15.00 06{11/03 ATE A R e A MAY 2003 STATEOIENT PA AND CREDI7'0 0426 71610483114004021611768 VS 8EAR8 ROEBUCK 8024 CAMP HILL PA 62.54 CR ORDER N0. 8R862143060027000000DD7 0607 741060831208170D0682062 V8 CHRIBTOPNERdiBAN103f/77 CHAMBERBBURCi PA 39.99 CR PURCNAiEi ANB AOdVRTMENiS 0415 0413 244060131081043700~Y1842 VB C PETBMARTIr0683 NECHANK)86UROPA 17.87 ~ 1~4 0418 0414 21071063106380122654708 Y8 C FtA iL GL#Ii01JR CHAMBERBBURQ PA 2b. 00 0418 0414 216101331050040206p7010 VS C 8EAR8 ROEBUCK 2224 CHAMBER88URt3 PA 62.54 0416 0417 2460iY183107000684734876 Y8 C ARBONNE INTERNAT{ONAL 000 272~Ota G1 127.49 ORDER NO 16236081-01 0422 0420 248101381110040N180426 V3 C NtSNPORT' N£W8 PVRCTiABE 767~25•4046YA ^ 36.15 ORDER NO. 4671008478 0429 04~ 214120661112062005181 ~ V8 C HOVBE OF CAR06 CAMP HILL. PA " 15.33 0420. 0126 2160216311800020.1566403 V8 C BRY6IREATEVENTB 010-a40~3041 NY I[ 337.92 ORDER NQ P020S5000101 04,0 0428 24409083110017000673886 V8 C CHiBBTOPHERtBANId3I477 CHAMBER88URG PA 105.47 0607 0608 24020185126818731010151 VB C OITtLOOKTi FOR HAIR BS CHAMBER88UR0 PA 45.00 0610 0608 Y1810483120004076166081 V8 C NEWPORT' NEWS PURCHASE 767-825-4043 VA tr 5.4fi IMPORTANT ENJOY THE CONVENIENCE AND FLEXIBILITY THE ENCLOSED CHECKS OFFER- NEWS OR CONTACT US AT WW~N.IBSCASH.COM OR 1-080.315.3308. ACCESSING ADDITIONAL CASH !S EASYI PRESENT YOUR CREDIT CARD AT THE BANK COUNTER, OR CALL 1-800.771-3376 TO REQUEST A PI N CODE FDR USE AT AN ATM. VISIT WWW.IBSCASH.COM TO CONSOLIDATE BALANCES TO YOUR INDIVIDUALIZED BANK CdtRD SERVICES ACCOUNT. 175 A FAST AND CONVENIENT WAY TO SAYE TIME AND MONEY. Previous Balance -Payments + Cash and Credit + Purohaws + Periodic Rata + Transaction =New Balance as a Otlri $0.00 s Advances ustmants Firanoe Charges Finance Cheryes Toiai Current Payment 1;15.00 60.00 $102.53 $0.00 $852.37 $0.00 $0.00 $749.84 Total Min Payment Du~5.00 C~aOorY PRateic InO Su~~aa to FOR YOUR SATISfAiCTN~II, EVERY HOUR, EVERY DJ1Y " Psna.rNaga Rata Flnartca Charges A BALANCE 7RILNSFER, OHECKB .007046'K DLY 0200% 10.00 - To spak to one or our Customer Satisfaction rsprasentaHves, B ATM, BANK ....... .027123!6 DLY 00.00% 00,00 call the number on ine back Of your credit card. C. PURCt1A8E8........ .027125!6 DLY OR00% 00.00 ~ OTHER BALANCES. • • • . • .000000%OLY OQ:0096 10.00 -For TDD {Tale~mmunicattons Device for the Deaf) FOR IS BILLING PERIOD asslstanoe, Cali t-s0o-348.317e ANNUAL PERCENTAGE RATE ... SEE ABOVE -Billing ngt+ts are preserved ady by written inquiry, ~;]~ T I ~ C~S~ yDjJ$ T Mail ~KGARD X 15029 SERVICES P ~ ~ ~ O ~ S~ AT 'R; M&T Bank Ao~uNT NUM. ER 6496 4313 0271 8312 . PAYMENT DUE DATE NE1+Y BALANCE TOTAL CARDFDLDER SINCE 2003 06/11/03 5749.84 TOTAL MINI PAYliB'i3BT LOBED Make check $15.00 payabl~D SERVICBS 11 P.O. BOX 15019 WILMINGTON, DE 19886-5019 TRACEY BOWERMASTER 20T SOUTHSIDE DR NEWVILLE PA 17241-891007 S 0000000000000000000000000000000000000007498400001500000431302718312tY4i96 00015000004313027183126~L96 80000000000074984 0 0 S •0000000000000000000000000 TT pp yy ~~ ACCOUNT NUMBER CREDIT LINE CASH OR CREDIT ~~7,EING DATBA~I~ PAYMENT DUE 4313 0271 8312 6496 55,000 $4,280-16 32 05/13/03 (15.00 06/tt/03 TE AT ER c 2003 STATEMENT PURCHAiEi AND A M 1 ~8 0512 OS10 240S624S130000387J00018 VS C AN ~PLE A DeAY F74R 4ETTYSBURd PA 7i .15 M TOTAL POR NLLIN6 CYCLE fROM 4/12/2005 TNROUBN 611>1J200E 1852.37 OI02.53 CR IMPORTANT Go TO wwW,IBSNETACCESS.COM - V{EW YOUR ACCOUNT ONLINE -ANYTIME, ANYWHERE. NEIAIS Prwlous -Payments + Cash + Purchases + Periodic Rafe t Transaction =New Balance aS a UIl 80.00 Balance and Credits Advances aadJusimaMS fiaanca Charges PinanoeChargee Total Yrerit Payment 615_00 $0.00 6102.53 60.00 $852.97 60.00 $0.00 $719.84 otal Min Payment Dt1EL5.00 Periodic Corrosepo~ing Balanoe CrY Rata Annwi SubJect to FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY Percantspe Rate £insnoe Charges A. 9AlANCE TRANSFER, CHE:CKB .007040% dLY 0290% 00.00 - To speak to one a our Customer Satlsfacdon roprasantadves, B. ATIi, BANK ....... .027125% dLY 00.00% 00.00 call the number on the back d your credit card. C. PURC(FIABEB........ .02712x% dLY . 09.00% 00.01 D. OTWER BALANCES...... .000000% DLY 00.00% 00.01 -For TDD {TNeeommunieatlans Devioe for the Daai> assistance, call 1.800-346-3i]9 FOR TH S BILLING PERIOD ANNUAL PERCENTAGE RATE... SEE ABOVE - Billing rights aro preserved only dywritten inquiry. Mall biliing Inquirlesto: pR A P~ X 15026 BA~ ~oNERVIC~ ATE ~~ ~~~O 4 ~T. ~ S 'K wi I ',T: R) VERIitICATItai11 i, , ar~tnov-led~e that t bavP ties aulhati~y to etcewle this VeriH~iiios on beltali' at F!A Card Servitxe, N.A, fortne~}y )<a~r+a es, t.'lBNA An'.erica Bank, NJ1., and certify that fete ionegoin~ First luttenled Co~plaini is based upan itibtuwlioa which l-as bees gatien~d by m~- counsel in the preparation of daeaoe:it The Iagduage of this doa=mcnt is tfiat of ooonsel and not say own, i h:iae read Che docsrneat ec1 Ai the ca~feat that this First Arad Canplaint ~ iasad span _r~[oauttio~i which I ~ giveat to counsel, it is five and rnrttct and to tht best of my. knoaled@e, i~ifansntion erase belief. To the eir~ that tha cas'eat of ibis Puss Aatxidad Ca¢plaint is that o~ co~msel; l haire re>ied tipos caxusel in making dyes Verification 'Ibis siaian~rit sad Vt:rifctMiiou ate inadt: subject to the paiaitiea of 1$ pa. C-.S. ~ ~4 retatiag to aaswern ft+)59$tztic~ t4 amtiarities, winch pmuidea chat if I boowirgly i:ielce faire amts, l ~ ba subject to eritzrinal penalties. FIA Card Sett ices. li A, f7lcit NBNA Attxxica Banlc,l+LA. tune tL..~ .~-. ~4. 5 t?imted Nagee retie ~i natcti: ': ~ N ~fl~ .~.~ ~ ~ ~~~p V V `-' - ~ ~ 7 , J 1x11 V ~,{ a. A ~ ~ ~ a GCP Cm~it - MHNA ao ~ 7 W' do A F1e Na 1;374',339 z c c W m m 0 ~n -~ (~.) 0 IN THE CURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. : No. 07-4783 CIVIL TERM Plaintiff VS TRACEY BOWERMASTER Defendant(s) CERTIFICATE OF SERVICE CIVIL ACTION -LAW The undersigned does hereby certify that a true and correct copy of the Plantiff s First Ammended Complaint was served upon the individual(s) listed below by Regular Mail, Postage Pre-Paid on this 13 day of November, 2007. ROBERT J. Dailey 19 West South Street Carlisle, PA 17013 Amy F. Doyle #870 /Daniel F. Philip C. Warholic # 63 David . Ga loway #8732 Tonilyn M. Chippie 7852 /Sarah E. Ehasz # Robert N. Polas, Jr. #2 1259 /Ronald S. Canter #94000 WOLPOFF & ABRAMSON, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff W&A File No. 173747339 O -~ ~-~; ~ r' ~-, +~ ~. ~_ .. y C_ ; , T U 3 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. Plaintiff VS TRACEY BOWERMASTER Defendant(s) No. 07-4783 CNIL TERM CIVIL ACTION -LAW PRAECIPE FOR JUDGMENT Please enter Judgment in favor of Plaintiff and against Defendant(s), TRACEY BOWERMASTER ,for failure to answer the Complaint. (X) Amount due TOTAL $9,675.12 $9,675.12, plus interest and costs (X) I certify that the foregoing assessment of damages is for specified amounts alleged to be due in the complaint and is calculable as a sum certain from the complaint. (X) Pursuant to Pa.R.C.P. 237 (Notice of praecipe for final judgment or decree), I certify that a copy of this praecipe has been mailed to each other party who has appeared in the action or to his/her Attorney of Record. (X) Pursuant to Pa.R.C.P. 237.1, I certify that written notice of the intention to file this praecipe was mailed or delivered to the party against whom judgment is to be entered and to his/her Attorney of Record, if any, after the default occured and at least ten days prior to the date of the filing of this praecipe and a copy of the notice is attached. Date: Amy F. Doyle #8706 Daniel o Philip C. Warholic #863 /David R. Tonilyn M. Chippie #878 ar Robert N. Polas, Jr. #201259 Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff NOW, , 20~~, JUDG IS ENTERED A BOVE. Prot notary/Clerk, sion By: Deputy 17 W&A File No. 173747339 MAIN OFFICE TWO IRVINGTON CENTRE 702 KING FARM C~VD., ROCKVILLE, MD 20650 REGIONAL OFFI ES 1060 IA A-5, FAIRFAX, VA 22030 17 WEST CARY STREET, RICHMOND, VA 23220 5122 GREENWICH RD., VIRGINIA BEACH, VA 23462 919 N. MARKET ST., STE. 1300, WILMINGTON, DE 19899 1 VALLEY HANK BLDG., BOX 1226, CLARKSBURG, W V 26302 4660 TRINDLE ROAD, 3RD FLOOR, CAMP HILL, PA 17011 301 GRANT ST., STE. 4300, PITTSBURGH, PA 15219 28632 ROADSIDE DR., STE. 265, AGOURA HILLS, CA 91301 39500 HIGH POINTE BLVD., STE. 250, NOVi, MI 48375 300 CANAL VIEW BLVD., ROCHESTER, NY 14623 5215 N. O'CONNOR BLVD., STE. 1060, IRVING, TX 75039 3200 SOUTHWEST FREEWAY, STE. 3300, HOUSTON, TX 77027 111 SOLEDAD ST., STE. 300, SAN ANTONIO, TX 78205 1201 PEACHTREE STREET, STE. 1717, ATLANTA, GA 30361 301 CARLSON PKWY., STE. 303, MINNETONKA, MN 55305 4643 S. ULSTER ST., STE. 800, DENVER, CO 80237 5355 TOWN CENTER RD, STE. 1002, BOCA RATON, FL 33486 LAW OFFICES WOLPOFF & ABRAMSON, L.L.P. Attorneys in the Practice of Debt Collection (A National Collection Attorney Network Firm) 4660 TRINDLE ROAD SUITE 300 CAMP HILL, PA 17011 (TOLL FREE) (800) 830-2793 FACSIMILE (866) 281-9028 PLEASE DIRECT ALL INQUIRIES TO THE CAMP HILL OFFICE December 07, 2007 TRACEY BOWERMASTER 207 SOUTHSIDE DR NATIONAL COLLECTION ATTORNEY NETWORK AFFILIA FIRM LO ,ATIONS INOT REGIONAL OFFICES OF WOLPOFF & ABRAMSON, L.L.P.I " BIRMINGHAM, ALABAMA FARGO, NORTH DAKOTA ANCHORAGE, ALASKA CLEVELAND, OHIO PHOENIX, ARIZONA OKLAHOMA CITY, OKLAHOMP LITTLE ROCK, ARKANSAS EUGENE, OREGON EAST HARFORD, CONNECTICUT PPOVIDENCE, RHODE ISLAN[ HONOLULU, HAWAII COLUMBIA, SOUTH CAROLINi BOISE, IDAHO KNOXVILLE, TENNESSEE CHICAGO, LLINOIS SANDY, UTAH MERRILLVILLE, INDIANA MILWAUKEE, WISCONSIN KANSAS CITY, KANSAS RAW LINS, WYOMING LEXINGTON, KENTUCKY SEATTLE, WASHINGTON METAIRIE, LOUISIANA WORCESTER, MASSACHUSETTS ST. LOUIS, MISSOURI _ GREAT FALLS, MONTANA 'The National Collection OMAHA, NEBRASKA Attorney Network is an LAS VEGAS, NEVADA affiliation of separate law firm: MANCHESTER, NEW HAMPSHIRE CEDAR KNOLLS, NEW JERSEY W&A Hours of Operation: RALEIGH, NORTH CAROLINA 8 a.m. - 6 p.m. M-F NEWVILLE, PA 17241 W&A File No. 173747339 RE: FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. vs. TRACEY BOWERMASTER Dear Tracey Bowermaster: Enclosed herein please find a 10-Day Notice pursuant to Rule 237.1 of the Pennsylvania Rules of Civil Procedure. Sincerely, a Amy F. Doyle #87062 /Daniel F. Wolfson #20617 Philip C. Warholic #86341 /David R. Galloway #87326 Tonilyn M. Chippie #87852 /Sarah E. Ehasz #86469 Robert N. Polas, Jr. #201259 /Ronald S. Canter #94000 Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Wolpoff & Abramson, L.L.P. Camp Hill, PA 17011 Telephone: (800) 830-2793 Counsel for Plaintiff Enclosure cc: Robert J. Dailey 19 West South Street Carlisle PA 17013 This is an attempt by a debt collector to collect a debt and any information obtained will be used for that purpose ~~~~~ ~;~~} IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. NO. 07-4783 CIVIL TERM FKA, MBNA AMERICA BANK, N.A. Plaintiff vs. CIVIL ACTION -LAW TRACEY BOWERMASTER Defendant(s) TO: TRACEY BOWERMASTER 207 SOUTHSIDE DR NEWVII.LE PA 1.7241 DATE OF NOTICE: December 07, 2007 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FII.E IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIlZING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717-249-3166 Amy F. Doyle #87062 /Daniel F. Wolfson #20617 Philip C. Warholic #86341 /David R. Galloway #87326 Tonilyn M. Chippie #87852 /Sarah E. Ehasz #86469 Robert N. Polas, Jr. #201259 /Ronald S. Canter #94000 WOLPOFF & ABRAMSON, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff W&A File No. 173747339 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. Plaintiff No. 07-4783 CIVIL TERM vs TRACEY BOWERMASTER Defendant(s) CIVIL ACTION -LAW AFFIDAVIT OF NON-MII.ITARY SERVICE COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND The undersigned counsel, being duly sworn according to law, depose and say that I am the Attorney for the Plaintiff in the above-captioned matter, and that to the best of my knowledge, information and belief Defendant, Tracey Bowermaster, above-named, is over 21 years of age; is last known to reside at 207 Southside Dr, Newville, County of Cumberland, Pennsylvania; is not in the military service of the United States or its Allies, or otherwise within the provisions of the Servicemembers Civil Relief Act and its Amendments. Date: S ! ~8 Amy F. Doyle #8 062 /Daniel F. Philip C. Warholi #863 David R: Galloway #87. Tonilyn M. Chippie 7852 /Sarah E. Ehasz #86469 Robert N. Polas, Jr. #201259 Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff SWORN and SUBSCRIBED to before me this ~ day of , 20 O QOMMONWEALTH OF PENNSYLVANIA ;~-`~ "^' ~--~ ~~~ Notary Public &arxf M. Moody, Nol~y Public Hetrq~den Twp., Qmbafend Cournlyy My Camdssiort E~ires Nov. 30.2010 Msmbe-, Pennaylvanla Association of Notarlea W&A File No. 173747339 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. Plaintiff vs. TRACEY BOWERMASTER Defendant(s) No. 07-4783 CIVIL TERM CIVIL ACTION -LAW CERTIFICATE OF RESIDENCE PA. R.C.P. 236 I hereby certify that the precise address of Plaintiff is: Fia Card Services, N.A. 655 Paper Mill Road Des-013-02-02 Wilmington DE 19884 and certify that the last known address of the within Defendant(s) is: Tracey Bowermaster 207 Southside Dr Newville PA 17241 Date: ~ ~ ~' Amy F. Doyle 7062 /Daniel F. son Philip C. Warho ' #863 avid R. al o~ #87326 Tonilyn M. Chippie #87 arah E. Ehasz #86469 Robert N. Polas, Jr. #201259 Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff W&A File No. 173747339 ~ ~ ~ ~~ ~ ~. °c e ~~ :y ., ~ ~ `~ ~ ~., ~ ~ C_ ~ ,,,~ ~ _. cs,~ .,'' ~ ~~~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. Plaintiff No. 07-4783 CIVIL TERM vs. TRACEY BOWERMASTER Defendant(s) CIVIL ACTION -LAW NOTICE OF JUDGMENT (x) Notice is hereby given that a Judgment in the above-captioned matter has been entered against you in the amount of $9,675.12, plus interest, on ,_ , 20 (x) A copy of all documents filed with the Prothono ry in support o e within judgment is/are attached. By: If you have any questions regarding this Notice, please cont the filing arty. Date: ~ O Amy F. Doyle #8 62 / Daniel -~ l~fso_n #20617 Philip C. Warholic # 4Y/ David R._fflallnwav #R7' Tonilyn M. Chippie #87852 /Sarah E. Ehasz #86469 Robert N. Polas, Jr. #201259 Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff This Notice is given in accordance with Pa.R.C.P. 236.) NOTICE SENT TO: Tracey Bowermaster 207 Southside Dr Newville PA 17241 W&A File No. 173747339