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Home My WebLink About03-5134WILLIAM B.MORRIN, ESQUIRE THIS IS AN ARBITRATION MA3-1'ER I.D. NO 46677 ASSESSMENT OF DAMAGES IS NOT NECESSARY 3984 STEVENSON STREET Attorney for Plaintiff PHILADELPHIA, PA 19114 #(215) 632-9237 IN THE COURT OF COMMON PLEAS OF NEW CUMBERLAND COUNTY --Civil Trial Division-- AMERICAN EXPRESS 200 SOUTH VESEY WORLD FINANCIAL CENTER NEW YORK, NY 10285, VS. TIMOTHY LEHMAN 1780 WEATHERBURN DRIVE NEW CUMBERLAND, PA 17070 NOTICE TO PLEAD NOTICE AVISO 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 wriaen appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You arc warned that if you fail to do so the case may proceed without you and a judgment maybe entered against you by thc court without fuaher notice for any money claimed in thc complaint or for any other claim or relief requested by thc plaintiff. You may lose money or property or otber rights important to you Le hah demandedo a usted en la cone. Si usted quicre defenderse de ~stlas demandes expuestas en las paginas siguientes, usted tien¢ veinte (20) dias de plazo al partir de la fecha de la demanda y la notification. Hace falta a sen'tar una comparencia escrita o en persona o con un abagado y entregar a la cone cn forma escrita sus defenses o sus objeciones a las demandas en contra de su persona. Sea a visado que si usted no se defiende, la carte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la cone puede decidir a favor del demandante y requiere que usted cumpla con todas las provisioans de esta demands_ Usted puede perder dinero o sus pmpiedades o oh-os derechos importantes para usted. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ENSCR1TA ABAJO PARA AVER1GUAR DONDE SE PUEDE CONSEGUIR ASISTENC/A Lawyer Referral Service Pa Bar Association ! 00 S. Street P.O. Box 182 Harrisburg, PA 17108 1-800-692-7375 WILLIAM B. MORRIN, ESQUIRE I.D. NO 46677 3984 STEVENSON STREET PHILADELPHIA, PA 19114 #(215) 632-9237 THIS IS AN ARBITRATION MA'I-I-ER ASSESSMENT OF DAMAGES IS NOT NECESSARY Attorney for Plaintiff IN THE COURT OF COMMON PLEAS OF NEW CUMBERLAND COUNTY --Civil Trial Division-- AMERICAN EXPRESS 200 SOUTH VESEY WORLD FINANCIAL CENTER NEW YORK, NY 10285, VS, TIMOTHY LEHMAN 1780 WEATHERBURN DRIVE NEW CUMBERLAND, PA 17070 No. COMPLAINT IN CIVIL ACTION 1. Plaintiff is American Express, a corporation authorized to do business in Pennsylvania with an office for the conduct of business situate at the above-captioned address. 2. Defendant is Timothy Lehman, an adult individual residing at the above- captioned address. COUNT I BREACH OF WRITTEN CONTRACT 3. On or about October, 1998 defendant entered into a written agreement, being an American Express Optima Consolidator Card (the "Agreement"). 4. A copy of the actual Agreement between plaintiff and defendant is not accessible at the present time due to a loss of records by the plaintiff resulting from the September 11, 2001 World Trade Center bombing, which caused significant loss of property to plaintiffs main headquarters building located adjacent to the World Trade Center in New York City, The foregoing statement is made pursuant to Pennsylvania Rule of Civil Procedure 1019(i). 5. The substance of the written agreement between plaintiff and defendant is as attached hereto as Exhibit "A" being a form revolving credit card account agreement, the terms of which are incorporated herein by reference. 6. Pursuant to the terms of the Agreement, defendant was issued an American Express Optima credit card. 7. Defendant made charges on the said account in the principal amount of $18,724.33. A copy of the Account Statement reflecting the amount owed is attached hereto as Exhibit "B". 8. Pursuant to the terms of the Agreement, defendant agreed to pay all charges made on said account when due, plus interest at the rate of 23.99% in the event of a default, plus reasonable attorney's fees of 15% of the amount due in the event of default. 9. Defendant is in default of the Agreement for reason that, despite repeated demands for payment, defendant has failed, neglected and refused to make payments when due. 10. Pursuant to the terms of the Agreement, defendant is indebted to plaintiff in the total amount of $23,254.90, as set forth in the Statement of Account attached hereto as Exhibit "C", being plaintiff's calculation of principal, interest and attorneys fees due as a result of the default, the terms of which are incorporated by reference herein. WHEREFORE, plaintiff demands judgment against the defendant, in the amount of $23,254.90, plus interest at the legal rate, plus all costs COUNT II QUASI CONTRACT/IMPLIED CONTRACT/UNJUST ENRICHMENT 11. Plaintiff incorporates by reference herein paragraphs 1 through 10 above as if fully set forth at length. 12. Defendant knowingly made all of the charges on the American Express Platinum credit card account as set forth above, and the defendant received the benefit of those charges, and the defendant was unjustly enriched thereby. 13. Defendant was unjustly enriched in the amounts as set forth in Count I above. 14. A quasi contract, or contract implied in law, exists between plaintiff and defendant, the terms of which are set forth in Count I above. VERIFICATION I, WILLIAM B. MORRIN, ESQUIRE, hereby state that I am the attorney for the plaintiff in the within action, that I have the authority to make this verification, that the statements made in the foregoing Complaint in Civil Action are true and correct to the best of my knowledge, information and belief, and that the foregoing statements are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Affo~laintiff 15. Defendant is obligated to repay to plaintiff the amounts as set forth above. WHEREFORE, plaintiff demands judgment against the defendant, in the amount of $23,254.90, plus interest at the legal rate, plus all costs. WILLIAM B. MOR~N~, ESQUIRE Attorney for Plain[~ "EXHIBIT A" plu ).~. Th* D~ly ~i~c ~ ~ Pu~u~ br,~h bii{inE ~y ~n g ~y minim~ ~t o~ Your ~nt ~ Lq~ wi~ln m u~d p~o~ ~ O~ biH~g ~e a~l~e Prl~ R~p{m 12.9g ~t O~iy P~ k~ e~ch blU~g ~l~ is t)~5~ ~ ~e ~NU~ AOB ~ ~ ~for ~al ~O~g ~ mun~ to ~, n~- hi[lin8 ~ ~ng ~ my m~h 1~ &e P~ R~ ~b{~ E ~y ~}~ ~ ~l ~ ~ ~ the ~ ~d A~GE D~ ~CE M~OD ~R - ~t~ ~a~ ~lly ~ for Pu~ ("~P") ~ ~i~ 0~Iu~nt n~ ~u~), ~I~ ~n~ ~ but un~ Thi~ ~ ~e daily b~ ~ Pinch.et Th~, ~ ~y ~l~cu cu~ tM Rn~ ~ on Pu~ ~r i bllli~g~, ~ muI~- ~ ~ D~ Per~ ~ fo~ P~ ~ t~ ,~6P ~d mula~y ~y ~onmt ~R df~, u~m ~u ~ ~ day, ~ ~ n~ C~ ~ ~t ~ but ~id number d ~ · ~e b~llng ~d~ ~ ~ ~ ~BC ~ I~ O~Pu~k Rat~ for C~h ~v~ ~ the ~ In ~e ~udng ~e ~l~ng~r~ m~ by flt~ ~unt S~flt ~ mulU~y 0~e reui~g numar ~ ~u~ ofdaya t~ m bl~ing ~le. ~e Fin a~ L~ an ~h ~anc~, Pushes md bal~ sub b~lar, ce at ~e end d Ihe bi~ing ~io~ f~ ~l~}, I{~ ~ '~c~ bu: unp~ fio~cce Ch~ a~ :~I io~u&d in the D~ily Bahmce d Co,~lmem be:s with billing addnl~,$es in lA, ~, and PR, PAYMENTS U& cur~ ~ a ~ or a ~ ~a~ on a U.~. b~k p~ym~tm~inm~o~,yOUr~ ~ no ~ed~ uut { t b con~ ln~ one d ~e b~ ~I~ ~ ~e p~to~ ~mN, If ~nY p~y~t i ~ ~t ~nI b n~ h~ br i~ ~it ~nt, ~ may ch ~ ~ut ~t g 20 ~ ~r ~{]gu~ ~ We mr ~[ {~ p~u, p~l pay~n~ or ~y pay~en~ M:I~u~ ~i~ ~y of ~t rl~. ~d~ this Agent ar u~ c~ You lg~ ~ p~y ~Jl ~ c~ pl~ a~m~'$ [~ d 15~ d ~ ~hm - DE~A~T ~ ~y C~ ~r i~uN ~ ~ in ~li at m~y riae If ~ fall p~m~ or o~a u~ ~a ~t ;t ~y ~e if ~y s~m ma~ ~ ~u to ~ in co~on ~t c~t ~ ~ h~ ur ~ln& ff ~u b~h =y other or ob~p/i~ ~ ~a ~ng my ~r n~t ~at ~u ha~ ~ us or ~ any g our ~Jl~ or if ~ h~ a;~ ~a ~ ~ ~u may ~ ~ ~i~y. Upon ~ t ~aulI ~d sub{< ~ ~y l~i~ilona at ~ l~zna of ~l~e la~ ~ ag~ ~ pay ail ~er ~le ~, ~c may $u~ ~ a muir dyaur Mi~IL ~ may ~, u~a D~r sub}~ to ~lln~ la~ ~1~ ~e ~a~ ~t Of~ux obl~ati~ Y~r g~un t ~{I ~ ~ ~nqu~ it yo~ fail ~ ~ us ~t le~t the ~imum ~ent ~ ~e Pay~t Due Da~ SM~ on ~ ~y{ ~ sudi Pay~I ~e Da~ a~ aub]~t to a~li~b m h~ ~ may ~ a ~[i~u<~ Fn ~ $15. Y~ ~l ~y~ cha~ o~ pgy~t ~ ~r ~y ~ mon~ I~l~t whkh ~ not ~ SUSP~NSION/~N~ x ~ON ~y $~d or ~ ~r Op~ ~mt p~q~ at ~r ~e o~on, ~bl~ o ~}I¢~le law, ~t ~y ~me ~ ot ~houl ca~e a~ r~ · ~y o~ a~ ~ may M~ ~ ~e~ ~xpt~, cc (~) you m In ~lt <y I~ ~on on our ~ ~1[ n~ ~d ~u. eff~/~: ~e ti~ d ~e cmcgla~ or ~ion d your t~Oun~ ~ ~ us b~ on m Ime~k, ~url~ or (~he~ ~uir~ Ly k~ T~ CHEQUE RE.NOS ~u I~ave n~ ~J~ the Cheques b ~le ~o~t ~c cotaer; You have not ~ ~e g~ue ~ ~ol~ d ~ h~ ~cJu/mg ff~k~u ~', rou ~o~ m ~ the ~erlai num~ ~ ~e I~t or m~ ~u~ and ~ pl~ ~ d~ d Furch~ ~u ~m our ~ a c~p~ In.garDa d ~ I~l or ~eft. ~ ~a the a~t ~ ~ug~ ~e clt~¢~ d a~y ~ Or ~ZI'X~N ~S OF ~N~ONS ~u~ ~I~FY ~OR UNAU~O~D~SA~OHS A~D AD~S~I~ OF PROM~ ~O~G ~r~ m~oa w~h m~ ~et y~u no~( ~ d t I~, ~ ot 01~ ~ FOR IMPROP~ ~N~ONS OR PAY~$ ' sO~e ~$. We ~il not ~ liable ~ ~u In ~ Joll~n$ ff ~e ~a,~tion ~M ~d t~ ~C ~mit on ~ur ~t 1~ ot ~y o~ ~a stat~ in ~ ~t. DISCLO~ O~ ACCOUNT INFO~TION TO In o~r fl~t yeur pdv~ m~ M p~, ~ ~l] not ~Cl~ a:ly 4. to alit ~. ~ltoa ~e 0~!~:, attoru~, or col- 5. I0 ~on~ au~o~ ~ l~ ~n Ihe coum of ~I~r ~iclaJ duti~; or HOWTO CO.ACT US iN CASE OF E~ OR QU~T~ON8 ABO~UR I. ~I ~ ~ur n~e and ~ ~nt n~bec ~, ~l~ ~he enoror ~e ~q ~a ~ u~ t~uL ~u n~ ~ ~U~ ~t ~r b~la your ~l ~n~ ~ 10 bu~n~ da~*/o?l~ng ~w ~1 no~, ~ ~y not ~Mi[ ~ur line. FOr tra~ i~i~ ~ ~ U~, (~ la ~ ~t m e~ ~ ~11 ~ ~u d ~e d~ on w~ we ~}1 BUt~8 ~Y ~or~ d ~ ~t, our ~i~ ~y; n~ M~day ~TION m a~ ot ~1 ~ Or ~d or ~t ~l~J~ ~ ~thout P~{~ but l[ ~ ~, '~ ~ 8t'n ~u ~ ~ d m~ re~a- ~n. ~u ~y lermi~a~ ~r ~i~ tn ~ ~ but ~ur flg~t ~ 9:~1~ in ~e Pm~ will aim be ~lna~ Ca~ mhz Is ~l~ for ~y ~n or ~ Ca~ ~nt b {xot tn ~ it~dln$ We mar~e ~e fi~t ~ ~ny autho~at~n lot nny' wixi~ mm~ u~id ~t ~tminahon. HO~' YOU BEN~IT ~o IS CO~D · ~ou m~ p~ pmdd ~ un~ ~e ~'~ ~ ~. ~ · ~ ~ your mmufa~ ~, ~ d a ~ p~t ~11 not FRODU~S N~ m:ailer or a ~dmu~r ~izton~ cost, tn ~a ~ in~ barrio, ca~ure:oe, pl~, ~, . Mo~rl~ ~vi~ and fl~eir p~ or ~u~ zo ~ rm~a~ (including o~er) , Lla, d or bul{dln~ , Ccasurnabla or ~rt~ble j~emm - ~u~by~doc~qum~ [mAd ~ ~,o' c~c~io~ ~ or~ d ~y ~ ~U~c ~ori~ or c~- R~ ~ H~ A C~ ~ ~ d ~e ~rr~, I~s ~tt ~ ~b p~ wl~ ~e d~ ~ { ~mpkt~ 2, You wi~ ~t s ~ ~ ~ c~ Fo~ whi~ ~u muat ~o~e~ t~t ~ b~, ~, ~ ~m ~ the cJ~ u~ ~): For ~* ~ 7~ mty ~ ~oi~ lO ~nd in ~a ~ag~ p~- ADD~ONAL iN~O~O~ FO~ YOU i mu~ p~ ~r da~ u~ ot amlat [~ ~a Bu~r~ ~e of~ ~ed~ ~. ~. ~um hr ~t Po{lc~ is for ~y ~c~ ~p~ ~d ~u ~mat~ D,24 for ~h O~ima , ~u~n~ Ham Pvll~ ~09~ ("the PoliO") only ~f, [~OA d~ti~d la [a) 2. II~ Oe her M~lcan ~p~" Dt~N~ION$ AND SCO~ OF CO~E ilginum C~ O~C~ i t~p is a ~over~ ~p" Lit i; a td~ ~ W ~e ~ P~n ~ ~ ~in~ dD~u~ "lnj,t~" means ba~II' ~tn~ is in [u~ un~ ~. ~u~ ie ~i~ut~ by Se ~1~ and '~h,=duled ~lln¢' ~ns ~ ~rlin~ listed ia ~e 0~clal ~he Guide which is ~. Of{o ~{n re~' ~d appm~ ~ENE~IT AMOUntS rable o/' Z~ ~ o:'one h~ w~ cee I~ 6713. lo.9.1 10 "!~" ~ ~ ~ ~th ~e~to had or f~c m~m mmpkte $I00,000 ~ INDEMNI~' P~ CO~9 P~ON ~n ~ a ~k d any one ~dd~t ~e ~p~qy's obllpuon u~er O~ ~II~ ~l] ~ ~l~ ~t ~ou~, AC~DE~A~ D~TH A~ D~M~B~M~T /nju~ ~/le ~veage a ~ f0~ un~ ~m~ p~y for ~ P~ ~sui~ lnju~ ~ s ~t of ~ ~d~t ~ht~ ali~flg from ot ~ing s~&~ a . A~pa~ ~fl~tion ~,~ure for ~ ai~u, &a ~p ~rr~ Con~ or a ~1~ hdl~p~ ~t~ di~? ~ ~ ~ kt ~e pu~ of ~rd~ a ~uJed ~ pra~I~ ~ fur ~m~ ~, but on~ ~tn ~e utterly ~ m ~ el~ b~ d ~ ~t on a d4u~ ~te the ~d ~ . Co.nd ~p ~hi~ ~uJm b ~e dm~r~ ~g or wmc~ng d~e ~n Cini~ Cm~. and ii ~e C~ Pe~'~ ~y h~not b~ found ~tbin ~2 ~ ~r ~a dat~ ~ to ~ c~t~ ~ the ~lZ~ Pe~ ~u [~ted ~fs ol CO~O~ ~ik mUng a tr~ on a ~mon fmc h~ b~n :h~ ~ the ~iflc ON-BO~ ~C~NG ~713(CRT)Lg~ (~e~r mi~lt~, m~ or ~ to~) ~ ~e ~t~ where ~ l~ju~ ~mn s~l n~ ~ d~ ~ ~ of~n (~) InJ~ m ~ich a ~- ~uch ~a, ~lm Im~t ~ ~ ~ndl~ ~ requl~ ~ ~e A I~lc Cammember may d~l~n~ a o~t ~ ~ stt~ a~ m~ie i~a~ be~Acla~ For ~ch ~t~n ot a wflt~ ~u~t, pa a to~ su~m~ m C~MS Compmng wl~ Inh~aion ~uf~t ~ ~at~ ~ ~ Pe~n shall be ~ ~t~t ~ ~ Comp~A~ PAY~ O~ ~I~, i~ ber~ci~. ~ mom ~m ~inistm~ O/rice'~n norm ~ a qlid c~m ~ m ~he~ ~r- ~(s). ~ya~un: ~b/e to a m~cr · lIME ~MIT No ~lion at law or in ~ul~ s~l[ Da bright to r~t tm~ the YOU v~il nx:~l, ivo (2) l.li[lon lffionom pOin~ ~ ~ U& ~oll~ "$i~k ~iAI~.~ ~ur HII~n ~ ~ ~ and ~e ~ur ~uut m~ be ~ve (I.e. not ~l~) Joe ~ ~iv~ bil~g p~ m ~ Nfltod ~0~o~ poin~- · igbhi' ad~ putch~ ~ ~ ~ M~, w~ ~ dmg ~ r ~munO, ~ ~ or ~ ~bj~t ~ app~e la~ ~m u~ bae ~1 ~nin~ usl~ ~m In the ~ ~t~ Ca~r TOT'AL. PRfiE, 12 ~* Cards Optima® Consolidator TIMOTHY S LEHMAN DUPLICATE COPY February 13, 2002 Customer Service Page 1 of 2 800-964-8542 (24 hours / 7 days) Account Numbe~ 3713-300486-41007 Account Summary * Indicates posting date. Credit Line Summary on Fetxuary 13, 2002 Payments February 5, 2002* Payment Received. Thank You Total of Payment Activity Total Cre~t IJne $ 19,000.00 Minimum Amount D~e: Available C~=dit Line $ 513.04 -374.00 -374.00 Payment Due Date March 10, 2002 Please refer to page 2 for important information regardJng your account New Activity Transactions for TIMOTHY S LEHMAN February 13, 2002 Rnance Charge Total of New Activity Amount $ 146.48 146.48 Finance Charge® Average Daily Daily Billing days this penod: 31 Balance $ Periodic Rate Purchases 18,676,98 0.0253% Antual Annual Corresponding FINANCE Percentage Annual CHARGE $ Rate Percentage Rate 9.23% 9.24% 146.48 Payment ¢eapon Account Number 3713-300486-41007 Continued on reverse ~ ~ Payment Due Date: MmV, 10, 2002 TIMOTHY S LEHMAN 1780 WEATHERBURN DR NEW CUMBERLND PA 17070-2219 I,,,llh,,lll,,,I,,,lll,,,.I,l,,hl,,,llM,,I,,I,II,,,,,IM Amount Due Amount ~ Mail Payment to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 hlh,ll,,,,ll,,h,,llJ,,Ih,,ll,.Ih,,,,hlhh,hl,,.hll Please enter account number on all checks and cormspondence. To avoid additional Finance Charges on Purchases, pay New Balance before Payment Due Da'e. Note any address and/or telephone number change on reverse side. Unless you check here, this change will ap~y to ail of your Card Accounts except any Corporate Cerd Accounts you may have. OnnD~7~g30B48641007 001848696000037000 11 H DUPLICATE COPY TIMOTHY $ LEHMAN A~,.tN~b~, Page 2 of 2 3713-300486-41007 until the next business Telephone Nurntmre will be To Pay By Phone "~ processing. If 1-800-472-9297 Customer Service Account 1~ 1~00-964-8542 Purchase (24 hours, toll Iron) International Oollect: debits 336-393-111 t first This ( Addresees Customer Service PO Box 7863 Ft. Lauderdale, FL p~d th on 33329-7863 billing period and that feature, excepl for the Finance Charges and F~nanoe in Puerto Rico). Billinl3 Rillhl~ Sullllllal¥ or ilyou need more inform ahon about a transaction on i(]~caron on ysur paper statemanl, or click on the Customer Service I ~0 days alfer we sent you lhe first bill on which the error or m your pa .j~er statement, bet doing so will not II~fotwlall~n: 1. Your name and account ~'you betieve there is an error. If. ~ amOUnl in n. While we . alstemenl, it rel~onents money OWed to you. You ~queat a refund. Requests for refunds should be made in writing 1o the Service address indicated on ypur l~per stafen'~nt~ or clic~ an the Customer Serwce link online. If you do no{ make sufficient charges al.1 aiest the al'e~lit balance or rec~est a refund, we will, within 30 days alter e Xl~ ration or I he six-month period following the cqate of the fi~t statement indicating the credit balance issue a chec~ to you for the cred~ balance in your account if the amount is $1.00 or more. C~dl .~)r; Amesoa~ E~x~ess Centurion Bank. ~ York residents may centaat the New York Banking Department to oblate a comparative hsflng of credit card rates, fees and grace periods by calling 1-800-518-886~. Payments SUITE 0002 CHICAGO IL 60679-0002 Name Providing your email address to American Express will enable you to receive special offers, suited to your needs Cards Optima® Consolidator TIMOTHY S LEHMAN DUPLICATE COPY March 13, 2002 Customer Service 800-964-8542 (24 houm/ 7 days) Account Numb~ 3713-300486-41007 Page I of 2 Account Summary * indicates posting date. Credit Line Summary on March 13, 2002 Payrn~Q Actlv~y $ Payments March 5, 2002* '. .. Payment Received - Thank Total of Paymaat A~titdty Totai Credit Available Credit Line $ Line $ 19,000~00 752.48 Amounts -370.00 -370.00 Paym~tDueDate ApHI7,2602 regarding your account New Activity Transactions for TIMOTHY S LEHMAN '~'~'~$ March 13, 2002 130.56 Finance Charge Total of New A~tisJty 130.56 Finance Charges Average Daily Daily Ac~uaJ Annual Corresponding FINANCE Billingdaysthisperled:28 BaJance$ Periodic Rate Percentage Annual CHARGES Rate peecenlage Rate Purchases 18,431.19 0.0253% 9.23% 9.24% 130.56 Payment Co"pon A~ou~ Number 3713-300486-41007 Payment Due Date: Ap~! 7, 2002 TIMOTHY S LEHMAN 1Z80 WEATHERBURN DR NEW CUMBERLND PA 17070-2219 I,,,llh,,llh,,I,.llh.,,I,I.hh.lll,h,h,l,lh..tl,I Amount Due Amount enclosed Mail Payment to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 hll.lh,,,Ih,l,,,Ihh,ll,.,ll,,,ll..,hll,h,hh,,,hll number on all ct~cks and correspondence. To avoid additional Finance Charges an Purchases, pay New BaJance before payment Due Date. telephone number change you check here, this 0000371330048641007 001824752000036500 11 H TIMOTHY S LEHMAN DUPLICATE COPY Account N~3~, Page 2 of 2 ' * 3713-300486-41007 Payments: Payments received after 12:00 noon or on weekends o~ holidays may not be credited until the next business Telephone day. Payments must be !n US Dollars and drawn on a bank located in the US (other than American Express. C,e[~arion Num'bel~ Ban~) If you are not baying electronically or .by Phone; please submit your pa.. yment in the ~ ~ with the rem!trance st ub att a(~he~l, and accovn{ number ~n~7,ated on the check. Pi'ease do.not send post -dated ct.3e(~ks. '131ey ~,~U be To Pay By Phone dabas~_e_d,_,upo~n,r ._e~?~. If ,~p~=~y ~m~.. nt ~s made ~n ?~ oiler form or at any othe~ location, there may be a de[ay m processing. If 1-800~472-9297 DUPLICATE COPY Cards Customer Service Page 1 of 3 800-964-8542 (24 beurs / 7 days) Optima* Consolidator TIMOTHY S LEHMAN April 12, 2002 3713-300486-41007 Account Summary p~mus ~aJa~ce$ Pa~n~e~t Ac~v~y $ i~ F'?a~ceC~ge,~ ~y New Balances Amount Due Your account is past due. Please pay the past due amount immediately. Credit Line Summary o~ April 12, 2002 Total Cred~ Available Credit Line $ Line $ 19,000.00 584.45 payment Due May 7, 2002 Minimum Amount Due include~: Past due amount This month's amount due $368~00 Please refer to page 3 for important information regarding your account Payments Total of Payment Aotivity Amounts New Activity Transactions for TIMOTHY S LEHMAN April 9, 2002 Late Payment Fee April 12, 2002 Finance Charge Total of New Aotivity Amount $ 29.00 139.03 168.03 Payment Coupon A~ount Number 3713~300486-4 t 007 TIMOTHY S LEHMAN 1780 WEATHERBURN DR NEW CUBBERLND PA 17070-2219 h,,llh,,llh,,h,,llh,,,,hh,hh,,llhh,h,hlh,,,.Ihl Minimum Amounl Due Amount armlesed i - Mail Payment to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 I,Ih,lh,,,Ih,h,,Ihh,lh,,ll,,,Ih,.,hlhh,hh,,,I,II Please enter account number on all checks and To avoid ~ldditional Finance Charges on P~rchases, pay Ne~ Balance before Payment Due Date. telephone number change on reverse side. Unless you check here, this change will apply to all of your Card Accounts excep{ any Corporate Card Accounts you may have. n~nn~31.~qRfluAk~l, Nn~ nnl. A~l, qqqnnnNg~Rn 1,1, H TIMOTHY S LEHMAN Finance Charges Billing days this Peered: 30 Purchases 18,318.48 DUPLICATE COPY ~-~,~m,.,~- Page 2 of 3 3713~300486-41007 A,~erage Dail}, Daily Actual A~nual Comesponding FINANCE BaJance $ Periodic Rate percentage A~nual CHARGE $ Rate Percentage Rate 0.0253% 9.23% 9.24% 139,03 Continued on next NarT~e Cards Account det~ first balance This paid the New statement. variations caused ThE an error. If ontice. If ~ Creditor: DUPLICATE COPY TIMOTHY S LEHMAN 3713-300486-41007 April 12, 2002 ' not be credited until the next business wilt be and Fine~ In Puerto Rico). i which number indicated on y_our pa ..ger s , but doing so will not the informal[ion: 1. Your name and account y you belie',~ there is ~ statement, it represents money OWed to you. You ~ for refunds should be me,de in writing to the or click co the Customer Seance link .~ will, within 30 da~s after issue a check to you ~is$1.00or more. New York residents may contact tho New Yo~k Banking Department of credit card rates, fees ~ grace periods by calling 1 ~800-518-8866. Page 3 of 3 Telephone Numbers TO Pay By Phone 1-800~72-9297 Customer Se~k:e 1-800-964-8542 (24 hours, toll tree) International Collect: 336-393-1111 Addresses Customer Service PO Box 7863 Ft. Lauderdale, FL 33329-7863 Payments SUITE 0002 CHICAGO IL 60679-0002 Optima* COnsolidator TIMOTHY S LEHMAN DUPLICATE COPY May 13, 2002 Customer Service Page 1 of 3 800-964-8542 (24 hours / 7 days} www.a~xlxess.com /~cc(3u~ Number 3713-300486-41007 Account Summary Minimum t Due~ Indicates posting date. Credit Line Summary on May 13, 2002 Total Credt Available Credit Line $ Line $ 19,000~00 1,412.35 Payments APril i 8; 2002~ .365100 Payment Received- '~hank You April 20, 2002* 733.00 Payme~ R~v~. ~ank You Total of Pa~ A~id~ -1,~8.~ Payment Due Date June 7, ~ Please refer to page 3 for important information r6gerding your account New Activity Transactions for TIMOTHY S LEHMAN May 13, 2002 Finance Charge Total of New Acti~ty Am~um$ 270.10 270.10 Payment Coupon A,~nt Number 3713 ~ 300486 - 41007 Payment Due Date: June 7, 2002 TIMOTHY S LEHMAN 1780 WEATHERBURN DR NEW CUMBERLND PA 17070-2219 h,,lll.,lll.,I. JIh,,.hh,hh,,llhh,h,hll.,,,Ihl Minimum Amount Due ^n'K:~unt enclosed Mail Payment to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 I,Ih,ll.,,Ih,h,,Ihh,lh.lh.lh,,,,hlhh,hl,.,hll Please enter account number on all checks and To avoid additional Finance Charges on Pt~chases, pay New Batance before Pay~ Ou~ Data. Note any address and/or telet~one number change on reveme side. Uniees you check here t~is change will apply to all of your Card Accounts excep{ any Corporate Card Accounts you may have. fl000371330048641007 001758765000035200 11 H TIMOTHY S LEHMAN Finance Charges Billing days this perk3cl: 31 DUPLICATE COPY ~N~b~ Page 2 of 3 3713~300486-41007 Average Dall~ Daily Actual Annual Cowesponding FINANCE Balance ~, Periodic Rate Perceatage Annual CHARGE $ Rate Pete Rate Purchases 17,673.64 0.0493% 1799% 17.~9% 270.10 Cont/nued on next page Providing your emal/ address to American Express will enabte yo~ to receive special offers, suited to your needs, Cards fi~ This all lea'utes except Cast paid the New Balance statement the daily pefl~odie ~ variations caused b Bi#in an the CustOmer Service link c DUPLICATE COPY TIMOTHY S LEHMAN 3713-300486-41007 May 13, 2002 ~ will be · For Due Date shown on ~ end FinaFlce In Puerto Rico). : bill e ~ which so will not you believe there is ' amount in Page 3 of 3 Telephone Numbers To Pay By Phone 1-800-472-9297 Customer Service (24 hours, toll free) International Collent: 336-393-1111 Addresses Customer Servlce PO Box 7863 Ft. LauderdaJe, FL 33329-7863 Payments SUITE 0002 CHICAGO IL 60679-0002 online. If Creditor: to obtain a ~ ce maoe ~n wrmng to the er click on the Customer ~ link i will within 30 days after ssue acheckto yan 1.00 or mere. ~ Yo~k residents may contact the New York Banking Department of credit card rates; fees and grace periods by c;31llng 1-800-518-8866. Cards Optima' Consolidator TIMOTHY S LEHMAN DUPLICATE COPY June 13, 2002 Customer Service Page 1 of 2 800-964-8542 (24houm/7da~) www~amencanex~ess.com .N~cOu*lt Number 3713-300486-41007 Account Summary · Indicates posting date. Credit Line Summary on June 13, 2002 Payments June 3, 2002* Payment Received - Thank You Total of Payment Activity Ne~ Balance $ =17,504.52 Minimum Amount Due ~ Total Credit Available Credit Line $ Line $ 19,000.00 1,495.48 -352.00 -352.00 Paymeat Due Date July 8, 2002 Please refer to page 2 for imp~lant inlermatJon regarding your account New Activity Transactions for TIMOTHY $ LEHMAN June 13, 2002 Finance Charge Total of New A~til~ty Am~nt $ 268.87 268.87 Finance Charges Average Dail~v Daily Billing days this benes[: 31 Balance ~i Pedodic Rate Purchas~--~',5~3.12 0.049~%- .... :~ 7.99% A~uel Annu;d Corresponding FINANCE Annual CHARGE $ Pementage Rate 17.99% 268.87 Payment Coupon a~x. Number 3713- 300486- 41007 TIMOTHY S LEHMAN 1780 WEATHERBURN DR NEW CUMBERLND PA 17070-2219 I.,lll,,,lll.,I,,,lll,,,,,I,l,,hl,.lll.l,,I.l,ll,,,,,ll,I Mail Payment to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 Payment Due Date: Please enter account · July 8, 2602 number on all checks and To avoid additional Finance Charges on Minimum Purchases, pey New Amount Due Balance before Payment $350.00 Due Date. Amount enclosed Note any address and/or ...... telephone number change ] q: j on reverse al~e. Unless ~- i you check here, this change will appt¥ to ail of your Card Accounts except any CorpOrste Card Accounts you may have. I,II.ll,,,,Ih,l,,,ll,l.ll,.ll,.ll..,I,II,l.l,l,,,,I,II DUPLICATE COPY TIMOTHY S LEHMAN 3713-30048~41007 Page 2 of 2 Payments: Payments received after 12:00 neon or on weekends or holidays may not be c~edited until the next business day. Payments must be in US Dollars and drawn on a bank located in t~e US (other than American Express Centurion Ban~). If you are not paying eleotronicatly or by phone; please submit your payment in the enclosed envelope with the remiitanc~ stub attached ar~l account number ino~cafed on the check. Please do not send post ~lated chen~s. They will be other Ioc3tion, there may I: ~ jl~CCessing. ~ [ranemitting funds :of the ch~ck. for the feature. This~ the next day. IT [nE feature for ~he billing peded ar~3 ( Daily Balance for the feature. For will be considered to ~ if wee/so rate eature fcr balm for the Telephone Numbers To Pay By Phone 1-800-472-9297 Customer Service 1 ~800-964-8542 (24 hours, toll free) International Collect: 336-393-1111 Addresses Customer Service PO Box 7863 Ft. Lauderdale, FL 33329-7863 Payments in the billing period and result will be the SUITE 0002 reed On that fea~zure, except for -~ i caused b The nonce Ch Fge for r, ulr,^r~ im iscalculatedby~theFinaaneChargeea sssedeea the, Thle me ~a~ of '~(~n'~n~ Average De/i~ Be/aEce and Finance ~herg~_ ~i~ in de/ly qompou~ing of Finance Charges. on the Cust no It Ja~ after we eent you t~ first bill on which the on'er or: m~ n your I:m~r ~alemo~, I:~ doing so will not the information: 1. Your name and account y you delie~ thore is an error. If amount in online. If you (3o flo~ mane expiration of the six-month for the credit balance in Creditor: to obtain of credit card ralee, fees and I statement, it represents money owed to you. You Requests far refunds should he made in wdting b3 the or citck on the Customer Service link a reruno, we will within 30 days alter he c~edit baJance, issue a chec~ to you contact the New York Banking Department 1-800-518-8866. Change of Address ti cotrec~ on front Cards Optima® Consolidator TIMOTHY S LEHMAN DUPLICATE COPY July 12, 2002 Customer Service Page 1 of 2 800-964-8542 (24 hours / 7 days) w~w.~xpress.com 3713-300486-41007 Account Summary * Indicates posting date Credit Line Summary on July 12, 2002 Payments July 1,2002' ' ' ' Payment Recei,w~ - Th~'lk You Total of Paymnt Acti~ty New Balance $ Total Credit Line $ 19,000.00 Amount Due $ Available Credit Line $ 1,595.56 -350.00 -350.00 Payment Due Da~e August 6, ~002 Please refer to page 2 for impa~ant information New Activity Transactions for TIMOTHY S LEHMAN July 12, 2002 Rnance Charge Total of New Acti~ty Amoent $ 249.92 249.92 Finance Charges Average Dally Daily Billing days this panod: 29 Balance ~ Periodic Rate Purchases 17,480.65 0.0493% Actuat Annual Corresponding FINANCE Percentage Annual CHARGE $ Rate percentage Rate 17.99% 17.99% 249.92 Payment Coupon Account Number 3713-300486- 41007 Payment Due Date: August 6, 2002 TIMOTHY S LEHMAN 1780 WEATHERBURN DR NEW CUMBERLND PA 17070-2219 I,,,111,.111.,I,,,111,..I,1,,I,1.,111,1.1,,I,I1.,,,11,1 Minimum Amount Due $34~00 Amount enclosed Mail Payme~ to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 I,II.,ll,,,,ll,,I,,,ll,l,,ll,,,ll,.ll,,.,I,II,I,J,l,,,,I,II oumbe~ on all checks and To avoid additional Finance Charges on Purchases, pay New Balance befare Payment Due Date. you check here, this chang~e will apply to all of any Corporate Card 0000371330048641007 001740444000034800 11 H DUPLICATE COPY TIMOTHY S LEHMAN 3713-300486~41007 Page 2 of 2 Payments: Payments received after 12:0~) neon or on weekends or holidoy~ may not be c~ .edite~ until._the next,bus, in,ss day. Payments must be in US Dollars and drawn on a bank Iocat.ed !n the US (other ~h~.n ~me~.~can. bxpr .ese L;e~u,n, ee Ban~). If yon are not paying electronically or by phone, please suorn;t your payment ~n the eh..c~..env, elo~e, wsh..m, e remittance stub attached and account number indicated an the check Please do not send post-daiod c~necse. ~ ney wm De other location, the~ may t Balanc~ Account b we can not collect the funds =tbecheck, e Daily ~>r the feaium. This the nexL.(.da,~lf this balances for the Dally r Batso~e will be considered to be zero if you paid tee ~ Balance shown on ~t by the Pay[nent Due Date shown on that statement. If j multiply ~age Dail~ by the number of days in the biilin~ period and the .d~.y panodic rate . I feature, the .result w~ill be the ..Fin .~....~ Cha[ge. assessed on that ~atare .e. xcopt f~ vanstio~s caused by rounding The total Fman.ce L;h~rge for me bim, n~l peono isceJcotsted~yaddingtheF~nanceChargeseseessedonallfeaturssoftheACCOunt. Th/$ rne~-xSd of caiculatTr~ the Average Deil~ Baiafice and Finance ~harg~_ resuiba in daily compounding of Fir~!ce Chergea. Theminlmum Flnanne Charge for any billingj3e~kxJ in whicti Finance Cha~jes are imposed is Billl~ Ri¢~ S~mmarv: th Case of Errors or Questions About YOUr Bill: If you think your billis incorrect, or if ypu need more mfom'.abon abont a transec[iee en yonr hilt, wrlte to us atthe ad,tess indicated so or click on the Customer Service link online. We mus[ hear from the error or so will not Your name and account an error, t e~[~ooot in n While we to the Creditor: ; will within 30 days after the c ssne acheck to you 1.00or more Ymi( residenls may contact the New Yo~ Banking Depatmeot of credit card rates, tees and grace periods by calling 1-800-518~866. Telephone Numbers TO Pay By Phone 1-800-472-9297 Customer SeRvice t q~00-964-8542 (24 hours, toll free) International Collect: 336-393-1111 Addressee Customer Sen, me PO Box 7863 Ft. Lauderdale, FL 33329-7863 Payments SUITE 0002 CHICAGO IL 60679-0002 Providing your mail addressio American Express will enable you to receive special offers, suitedto your needs: Cards Optima® Consolidator TIMOTHY S LEHMAN DUPLICATE COPY August13,2002 Customer Service 800-964-8542 (24 hours / 7 days) Account Nurr~ 3713-300486-41007 Account Summary * Indicates posting date. Credit Line Summa~ on August 13, 2002 Payments July 30, 2002* Payment Received - Thank You Total of Payment Activity New Balance $ Total Crsdit Une$ Minimum Available Credit Une $ 1,669.47 .348.00 -348.00 Page 1 of 2 Paymm~t Due Date Se~embet 7, 2002 Ptoase refer to page 2 for important infon~ation regarding your account New Activity Transactions for TIMOTHY S LEHMAN August 13, 2002 Finance Charge Total of New Activity Amounts 274.09 274.09 Finance Charges Billing days this period: 32 Purchases Average Daily Daily Actual Annual Balance ~ Periodic Rate Pesce~tege 17,374.40 0.0493% 17.99% ~ondlng FINANCE Annual CHARGE $ Percentage Rate 17.99% 27409 Payment Ooupon Ac~unt Number 3713 - 300486 - 41 (307 Cor~nu~ on r~w,~ ~ ~ Payment Dae Date: TIMOTHY S LEHMAN 1780 WEATHERBURN DR NEW CUMBERLND PA 17070-2219 h..llh,,llh.h,,llh.,,M,,hh,,llM,,h,hlh,,,,IM Minimum Amount Due Amount enciosed Mail Payment to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 hll,,ll,,,,Ih,h,,IM,,ll,,,Ih,,Ih,,,,MM,,M.,,I,II To avmd ad~tional Finance Chages on Purcheses, pay New Baiance before Payment Note any address and/or tdiephone number change you check hem, this your Card Accounts exce~ any Corporate Card nnnRq~l, qq~nuAL~l,n~? nnl.?qqnqqnnnnq~nn 1.1, N DUPLICATE COPY TIMOTHY S LEHMAN 3713-300486-41007 Page 2 of 2 Payments: Payments received after 12:00 noon or o~ day. Payments must be in US Dollars and drawn on Ban..k). If you are not paying e!ec~rOnically or t~ phone, please submit' remittance stub attached and account number ind~ted o~ c~ed~ ac/dan for the feadure, This will be considered to be zero if Telep. hone Numbers , will be lng. not coiled the funds ~of the check. ~ature for f balances for the Balanbe ~sture by the result Will be the Finance Charge , nanc~ Cha~;le for the billing peded · Account. This method of calculating the of Fir~nce Charges, Theminm~um To Pay By Phone t .800-472-9297 Customer Service 1-800-964-8542 (24 houm. toll flee) !ntematiooal Collect: 336-393-1111 Addresses Customer Service PO Box 7863 Ft. Lauderdale, FL 33329-7863 Payments SUITE 000P CHICAGO IL 6067cJ~0002 need more ~nformabon about a transaction on your bill, write to us st the address on the Customer Senfice link online. We mus[ hear from theerroror may make charges _against ~ Refund Unit st the C0stomer Servic expiration of the six-month forthe Creditor: which ~will not arid explain, if you can, why you believe there ~s Jests for refunds should be m~de in writing to the or click on the Customer Se~Mce link ~ will, within 30 days after ~ssue achesk to you of credit card rates, h~es and grace pedods by carling 1-800-518-8866, Change of A~ess Optima® Consolidator TIMOTHY S LEHMAN DUPLICATE COPY September 12, 2002 Customer Service Page 1 of 2 800-964-8542 (24 hours / 7 days) 3713-300486-41007 Account Summary ' Indicates posting date. Credit Line Summary on September 12. 2002 Payments Seplember I 2002* Paymeot Rece red - Thank YOu Total of Payment Activity New Bak~ce $ =17,239.63 Minimum Amount Due $ Total Credit Available Cred~ Line $ Line $ 19,000.00 1,760.37 -347.00 -347.00 Payment Due Date Octobm' 7, 2002 please refer to page 2 for impartant information regarding your account New Activity Transactions for TIMOTHY S LEHMAN ~s September 12, 2002 256.10 Rnance Charge Total of Mew Activity 256.10 Finance Charges Average Daily Daily Aotual Annum Con. spending FINANCE Billing days this pa~od: 30 Balance $ Periodic Rate Percentage Annual CHARGE $ Rate Pm'ce~tage Rate Purchases 17,315.81 0.0493% 17.99% 17.99% 25610 Payment Coupon Account Number 3713 - 300486 - 41007 TIMOTHY S LEHMAN 1780 WEATHERBURN DR NEW CUMBERLND PA 17070-2219 h,,llh,,llh,.h.lll,.,,I,l,,I,l.,llhh,h,hlh,,,,ll,I Mail Payment to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 Payment Due Date: please enter account October7, 2002 number on all ch~:ks and To avoid additional Finance Charges on Minimum Purchases, pay New Amount Due Balance before Pm/merit $345.~0 Due Date. Amount encJoced Note any address and/or .......... -I telephOne nurn~ change $ on reverse side. Unless l .~ you check here, this change will apply to all of your Cord Accounts exce~ any Corporate Card Accounts you may have. I,Ih,ll.,.ll.l,,,ll,h,lh.,ll,.ll,,,,,lill,l,,hh,,,hll 0000371330048641007 001723963000034500 11 d DUPLICATE COPY TIMOTHY S LEHMAN 3713-300486-41007 Page 2 of 2 credited unlit the next business will be the amount we can not COllect the funds heck. Finance ~ ~varage Daily Balance credits add rate for the featune. This the next day- I1 tin feature for the billing penocl, Average Daily Balance fo~ the feature, t Balance will be conSidered to be zero if you paid the Payment Due Date shown en that statement, fu~ each feature by me of days in the it will be the Finance Charge assessed on Finance Ch~pa for the biit!n.g perk~l ot. This meth~E Of catc¢la~7~g the Average ' of Finance Cherge& Theminimum Billln need more ~lenmafloa abe~ a trensactio~ on your ~1, write t~ on the Customer Service link o~line. We moat hear from bill o ~ which the error o~ so will not the ¥ you believe there is an error. If ypu nesd more information item you are unsure about. You {3o no[ nave ~.o I amount in RudestJon while we are.in~matigating, but you are stitl o~igat~d to pay the pa~ of your bill that are not m i ]. Wbilewe mve~..igate your queatmn, ~ cannot r.elx)~t you as ,r,d~e~l~l _nqpeot or take aqy action to co!~nt the amount yo~ __ .on. _ CredE Balance: If a~edit balenes (designated ~,R') rsshown onth~s statement,~t representsmoneyo~eolg, yo~. Ypu may mat~ charges _against the aredit t)aiance o~ request a refund. Reqnests for refunds should be m~e in wr~ng to the Refund Unit at the C~atomer Service eddmss ind~c, ated on your paper statement or click on the Customer Sen~ne link online. If you de not make sufficient charge~ apainat the cre~lit b~a~oe or {eq~est a refund, we will, within 30 days a~r expirat~en of the six-month pedod following the (~ate of the first statement indicating the credit balance, issue a check to you fo r the cradit balaoce in.j~our account i~'~he amount is $1.00 or more. . Crm:litf)r. America?. ~l~ress ~ml~nen Bank. New Yo~'k residents may ~entac~ the Now York Banking Depa,-tment to obtain acompa~ative hsting of credit card rates, fees and grace periods by calling 1-800-518.~8866. Telephone Numbers To Pay By Phone 1-80O472-9297 Customer Service 1-800-964-8542 (24 hours, toll free) Servicio al cliente en Esl~ol 1-800-428-7443 O70O - 0100 (EST~ Intematienai Collect: 336-393;111 t Addresses Customer Sennce PO Box 7863 Ft. Lauderdefe, FL 333_~J-7863 Payments SUITE 0002 CHICAGO IL 60679:0002 Name Providing your emait add~ess to American ExpreSS will enaUe.¥ou to receive special otters, soitedto your needs. Cards Optima® Consolidator TIMOTHY S LEHMAN DUPLICATE COPY October 13, 2002 Customer Service Page 1 of 2 800-964-8542 (24 hours / 7 days) 3713-300486-41007 Account Summary Indicates posting date. Credit Line Summary on October 13, 2002 Payments September 30, 2002* Paymen!?eceived. Thank You Total of Payment Activity New aa~ar~e $ Amount Due Total C~F~t AvailabJe Credit Un~$ Uue$ 19,000.00 1,842..33 nme~m $ -345.00 Payment Due Date November 7, 2002 Please refer 1o page 2 for important infocmation regarding your account New Activity Transactions for TIMOTHY S LEHMAN October 13, 2002 Rnance Charge Total of New Activity Amount $ 263.04 263.04 Finance Charges Average Daily Daily Actual Annual Billing days this panod: 31 Balance ~li Periodic Rate perce~tege Pale Purchases 17,211.41 0.0493% 17.99% Co~esponding FINANCE Annual CHARGE $ Perceatage Rae 17.99% 263.04 Payment Coupon Account Number 3713- 300486-41007 Continued on reverse '~ ) Payment Due Date: Novembe~ 7, 2002 TIMOTHY S LEHMAN 1780 WEATHERBURN DR NEW CUMBERLND PA 17070-2219 I,,,111,,,111,,,I,,,111,,,,,I,1,,I,1,,,111,1,,I,,I,I1,,,,,11,1 Amount Due Amount enclosed Mail Payment to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 I,I1,,11,,,,11,,I,,,11,1,,11,,,11,,,11,,,,,I,I1,1,,I,1,,,,I,II number on all checks and correspondence. To avoid additional Finance Charges on Purchas6s, pay New telephone number change change will apply to all of DUPLICATE COPY TIMOTHY S LEHMAN 3713-300486-41007 Page 2 of 2 Payments: Payments received after 12:00 noon or on weekends or holidays may not be cred~ed until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than Amedcon Express Centurion Bahia). If you are not paying eb~ntranically or by phone, please submit your payment in the enciosed envelope with the remi~anse stub attached andaccount number indicated on the c, lmck. Please do not esnd post-dated checks. 'rl~y will be c cation, there may be a do,ay in preCeSsing. 3 and any re-presentments, by tran-~nitting the; ~ number to your financial institution. Your ' If we can not colleot the funds e cheek. Account b credits e/so adrian rate for the fe~u,'e. ~ the Daih/Balance rBalar~e will be considered to be zero if the of Finance Charges. The mmlmum need more mformatmon about a transaction on your bill, wnte to us at an the Custome~ Service link online. We must hear from you no later than 60 day the error er ~ al~peared. You san telel~none us at th~ number inclicat, ed o.n )[our pajgar s . )omg so wix not pres.~.,yo~_r r~l .n~.. mn your correspondence, give us ~he following mt'orlpa;!on: 1. Your name 0ncl accouot an eQ...y~ neen .mo~e Ln .~. atmpn, o~be the i{pm you are unsure abeot. You do not ha~ to pay any amount ~n R4~st~3n wnae we ere!nv~Jga§ng, but you are still o~Wmgated to pay the pa[t~ of your bill that are not in qu~tid)l. While we ~q~nt~ ~gE_e, _Y~U_ _r_~ we ca~not r.e~o~, yot~ as.. ,~d~e~,, _no~ent or take Qqy ant,on to co!leot the amouot you quest pn. n~amav m~ .~m .~. If a cm~...batan~.. (.be~4)aoted CB") ~s sh .own on th,s sta~ment, it r edr~,',eqts money ovy. ed tp.you. You ~ ay m, .a~e. ~n .er~Qes ~ the~credit bal. a.~ q~ re~ a refund. Requests for refund~ should be made in writing to ~le!uno ~n~ a! me L;us~0mer ~ aonress in~c~l on your paper statement, or cl ck on the...Cus.tor~e~r Serwce bnk onhge..I yop do r)dr make su~ ch~n3es aganst the credit balance pr [equest a refund, we w~ll, within 30 da~s alter .ex~.iratied o...f .th~. s~x-month pedocl fo~ _IGC. )ng the ~ Of the first statement md~cating the credit balance, ~sue a check to you mr [ .r~.. crecat oalance ~n your account ~f the _amount ~s $1.00 or more. .Cr~..it.or: Amerkl~p. E2(l~ess ~rion Bank. New Ymt( reeide~ts may contact the New York Bantdng Department to o~am a cora paratmve hating of credit card rates, fees and grace periods by calling 1-800-518`8866. Telephone Numbers To Pay By Phone 1-800-472-9297 Customer Service 1-800964-8542 (24 hours, toll free) Servic~o al cliente en Espa~ol t ~B00~428-7443 0700 - 0100 (ESi) International Catleot: 336~93-1111 Addresses Customer Se~v'.ce PO Box 7863 Ft. Lauderdale, FL 33329-7863 Payments SUITE 0002 CHICAGO IL 60679-0002 Change of Address Providing your ema~l address to American Express will enable you m to receive sbecial offers, Cards DUPLICATE COPY Optima® Consolidator TIMOTHY S LEHMAN November 13. 2002 Account Summary New Belance $ Your account is past due. I~iea~e--~-~ the ~3~s~lue amount immediately. Credit Line Summary on November 13, 2002 Payments Total of Payment Activity Customer Service 800-964-8542 (24 hours / 7 days) www.emencauexpress.com Account Numbe~ 3713-300486-41007 Amount Due To~al Credit AvailaMe Credit Line $ I,ne $ 19,000.00 t ,460.32 AmouAt $ Page 1 of 3 Payment Due Date December' 8, 2002 Minimum Amount Due inatude~: Past due amount r~43:00 This month's amount due Please refer to page 3 for important information regarding your account New Activity Transactions for TIMOTHY S LEHMAN November 9, 2002 Late Payment Fee November 13, 2002 Finance Charge Total of New Activity Amounts 29.00 353.01 382.01 Payment Coupon Ao~ Number 3713 - 300486 - 41007 Payment Due Date: Oeuembe~ 8, 2002 TIMOTHY S LEHMAN 1780 WEATHERBURN DR NEW CUMBERLND PA 17070-2219 h,,llh,,lll,,,h,,llh,,, ,hl,,I,l,,,llhl,,h,hlh,,,,ll,I Minimum Amount Due Amount enclosed Mail Payment to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 I,I1,,11,,,,11,,I,,,11,1,,11,,,11,,,11,,,,,I,I1,1,,I,1,,,,I,II Please enter account number on all checks and correspondence. TO avoid addi§onai Finance Charges on Purchases, pay New Balance before Payment Due Date. No~e any address and/or i~!edhoue number change on reverse side. Unless you check here, this change will apl~y to all of your Card Accounts exce~ any Corporate Card Accounts you may have. 0000371330048641007 001753968000069601 11 H TIMOTHY S LEHMAN Finance Charges Billing days this pe,Fmd: 31 DUPLICATE COPY ~=~ N,,~,, Page 2 of 3 3713-300486-41007 Average Daily Daily Actual Annual Co~poed~g FINANCE Balance $ Periodic R;~te Percentage Annual CHARGE $ Rate percentage Rate Purchases 17,332.52 00657% 23.98% 23.99% 353.01 Continued on next page Cards DUPLICATE COPY TIMOTHY S LEHMAN 3713-300486-41007 November 13, 200~ not be credited until the next business will be Account b ~edits adden for the fe~ure. This the next day. If this feature for the billing / Daily I~alance for the f will be considered [o he zero Payment Due Date shown on of days in the b assessed o~ that be the Charge Charge for the biitino ped~d This methSd of uelcularTq~ the of Fin~ce Cherge~ Theminimum an error. If investigate your que~tien, ~ ~:ennot ~ Credit Balance: Ifecreciltbalance ma rr Refund Unit a ontine. If you a eX, ration of the six-mooth forthe credit balance in Creditor: ~ whiCh so will not y you believe there is amount in to the ~ will within 30 days after ssue a checkto you 3ank. Ne~ ¥o~k renide~ts may contac{ the New York Banking Department of crso3t card rat~, fees and grace periods by cail ing 1-800-518-8866. Page 3 of 3 Telephone Num~oers To Pay By Phone 1-800472-9297 Customer Service (24 hours, tell free) Servicio al cliente en Espa~ol 1-800428-7443 0700 - 0100 (EST) IotemationaJ Collect: 336-393-1111 Addre~.~es PO Box 7863 Ft. Lauderdate, FL 33329-7863 Paymente SUITE 0002 CHICAGO IL 60679-0002 DUPMCATECOPY Cards Customer Service Page 1 of 3 800-964-8542 (24 hours / 7 days) Optima® Consolidator TIMOTHY S LEHMAN December 12, 2002 Account Number 3713-300486-41007 Account Summary =17,907.01 Minimum Amount Due $ Your account is past due. Please pay the past due amount immediately. Please note, your credit limit is $18,500.00. Credit Line Summary Tokai Credit Available Credit Line $ Une $ on December 12, 2002 18,500.00 592.99 Paymeat Due Date Januaw 6, 2003 Minimum Amount Due indudds: Past due amount $696.01 This month's amount due Please refer to page 3 ~or important information regarding your account Payments Total of Payment Aotivity New Activity Transactions for TIMOTHY S LEHMAN December 10, 2002 Late Payment Fee December 12, 2002 Finance Charge Total of New Activity 30.00 337.33 367.33 Payment CoUpon Account NUmber 3713-300486-41007 Payment Due Date: January 6, 2003 TIMOTHY S LEHMAN 1780 WEATHERBURN DR NEW CUMBERLND PA 17070-2219 I,.,llh,,llh,.h,,lll,,,.M,,hl,,,llM,,h,l,ll.,,,ll,I mnimum Amount Due $1,054.01 Anmont enclosed Mail Payment to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 hlh,lh.,Ih,h.,Ihh,lh,.Ih,,ll,,,,,hll,h,l,h,,,hll Please enter account number on all checks and To avoid additionai Finance Charges on Purchases, pay New Balance before Payment Due Date. Note any address and/or telephone number change you cbec~ hem, this change will ap~y to all of your Card Accounts excep~ any Corporate Card Accoonts you may have. nn~q?l, qq~qg~ql, nn? flRl,?R~?Rl, nnnl, nq~nl, 1,1. & TIMOTHY S LEHMAN Finance Charges Billing days this period: 29 DUPLICATE COPY ~.~ N~ Page 2 of 3 3713-300486-41007 Average Daily Daily Actual Annual Cormspondthg FINANCE Balance $ Periodic Rate Percentage Annual CHARGE $ Rate Percentage Rate Purchases 17,705.07 0.0657% 2398% 23.99% 337.33 Continued on ne~ page Provic~ng your email sdS'ess to American Express will enable you to receive speaai offem, suitedto your needs. DUPLICATE COPY TIMOTHY S LEHMAN 3713-300486-41007 Cards December 12, 2002 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US {uther than American Express Centurian Ban~). If you are not pa~ing elec~'onically or by phone~ please submit your payment in the endceed anvelope with the remittance stub a~ached an~ ac~ouut number ir~Jicetedon the check, please do nut send post-dated check. They will be other form or at any other iocaUon, there may we can not cutleot the funds ch~ck. Account b credits add an rate for the feature. This fur the ~ BalanCe ~onsidared to be zaro if you paid the your prewous Payment Due Date shown an that statement. If 'Balance for each feature by me of days in the billing3 pedod and the daily p the result will be the Finance Cha~ge assessed on that feature, exce~ for varia~ar~., The at Finance Chqrg~ for the flltli~g ped~d iscalculstedbyaddingtheFina, nce Charges ass the~ ouut. This method of calculating the A_v. erage _J~i. i~ ~ ~ Fir~ ~.~. _. resui~ in da#y c~mpou~lln~ of Fir~l~ce Ch~ The minimum Fi...i~. nee ~ for ~ Ullingperiod in which Finance Charges are Imposed Bdlmg Riqhts S~mmar~: I~ Case of Errors or Questions About Your Bdl: If you think your bill,s mcorreut, or ~f you need more mformst~on about a transaction on your bill, write to us st the address indicated on ~ paper statement, or click on the Customer Semice llnk online. We must hear fi'om you no later than 60 days after we sent you the first bill on which th e error or prot~em al?peamd. You carl teleL~hone us .at the number indicated oN your p .~ger statement, but doirlg se will not preserve your rig .h~..'Ih your eormspond~ce, give us ~he following mfo~a.b.'on: 1. Your name ~ accougt number 2. The dollar amount oftt~ suspe~ederror; 3- Describe the error an er[or. If y~u need rgore Lnfomlati~n~ describe ...the item you are unsure about. You do not have to pay any em~ut in guesfl~n wh~le we are)nvestrga~ng, Dui you are shll o~gated to~,y the par t.s of your t~ll that are not in question. Whde we ~nvest~Jate your queat~m, We ce~not r_epo .~ you es dol~ng.ueut ar [akb ~qy achon to co~lec~ the amount you question. Credit Balance: Ifa .c.re~t.~ baJanc~(.do,sig,' nafed"C;R')~sshownantbisststemeut, it rep~'eanntsmoueyowedfeyou. You ~may m~e ~h .arges _aga?at the~cre~it l:~ance o.r r..e~., a refund. Requests fur refoud~ should be made m writing to ~he HeTuoo Unit at the guslemer..~pm.r.r.r.r.r.r.~, address m~icafed on your paper s atement, or click on the Cus~p~per Sen/me hnk onh~ .If you do r~ot make suffic~eut charg~ against the ored~t balance pr [e~est a refur~l, we will, ~vith~n 30 days after exp~rat~n ~f tl~ s~x-rqouth period ful ..19~.?g the ~at9 of the first attatement I nd~camng the aredit balance, ~ssue a check to you forth?, credit balance m_yo u r account if the amount ~s $1.00 or more. Crsd~t~r: Americ~ I~ Ceut~don Bank Ne~ York residers may (]ootacl the New york IZa~kJng Depadmont fe obtain a comparatm'e hating of credit card rates, fees and grace penods by ca]l~ng 1-800-518-8866. Page 3 of 3 Telephone Numbers To Pay By Phone 1-800-472-9297 Customer Sen/ice (24 houm, toll free) Service3 al clienfe en Espehut 1-800J,28-7443 0700 - 0100 (EST) luternstional Cold,ct: 336-393-1111 Addresses Customer Service PO Box 7863 Ft, Laudardafe, FL 33329-78&3 Payments SUITE 0002 CHICAGO iL 60679-0002 Cards DUPLICATE COPY Customer Service Page 1 of 3 800-964-8542 (2~. hours / 7 days) Optima® Consolidator TIMOTHY S LEHMAN January 13, 2003 3713-300486-41007 Account Summary Amount Due Your acc~ou~n~{~-p~st due~ Please pay the'~3ast~d-u-e-amount immediately, Credit Line Summary on January 13, 2003 Total Credit Available Credit Line $ IJne $ 18,500.00 182.54 Payment Due Date February 7, 2003 Minimum Amount Due Inotudes: Past due amount $1,054.01 This month's arr, ount due $380.45 Please refer to page 3 for important information regarding your account Payments Total of Payment A~tivity ~mount $ New Activity Traneactlons for TIMOTHY S LEHMAN January 8, 2003 Late Payment Fee January 13, 2003 Rnance Charge Total of New A~tivity Am~m $ 30.00 380.45 410.45 Payment Ooupon A~ot Number 3713-30048~-41007 Co~tinu~ on ~ever~ ~ ~> Payment Due Date: February 7, 2003 TIMOTHY S LEHMAN 1780 WEATHERBURN DR NEW CUMBERLND PA 17070-2219 I,,,lll,,,lll,.h,,lll,,,,.I,l,,hl,,.llhh,h,l,ll..,Ihl Minimum Amount Due $1,434.46 Amount enclosed Mall Payment to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 I,Ih,ll,,,,Ih,l,,,ll,h,ll,,,ll..,ll,,,,,hll,h,hh,,,hll P~ease enter account number on all checks and correspondence. To avoid addi[ianal Finance Cha~ges on Purchases, pay New Balance before Payment Due Date. Note any add~ess and/or telephone number change on reverse side. Unless you check here, this change will apaly to all of your Card Accounts excep~ any C.,oqx)rel~ Card Accounts you may have. DUPLICATE COPY TIMOTHY S LEHMAN Finance Charges Actual Annual Billing days this period: 32 Percentage Rate Purchases 23.98% 23.99% 380.45 Average Daily Daily Balances Periodic Rate 18,096.20 0,0657% ~N~, Pe, ge 2 of 3 3713-300486-41007 Con'espondin~l RNANCE Annual CHARGE $ Pementage Rale Continued on nex~ peg~ DUPLICATE COPY TIMOTHY S LEHMAN 3713-300486-41007 Cards cum o~ January 13, 2003 Payments: Paymont~ received afte , not be credited until t day. Payments must be n US Dollars aed drawn on a ~ber th~ ; Centurio~ Banl~). If you are not paying electronically or ~y phone, please submit your payment in i ~ the remittance s~ub attached and account numl3er indicated on the check. P~eese do not send f will be the amourd can not celiect the tund~ he check. Finance, Account ~ PurchaSe cred~ add an rate for the fe~ure. Tl~s, balances for the feature ~ Balance l~alance for each feature by ~ne ~ result will be the Finance Charge assess~l on that Finance Charge for the billing pannd method Of calculatl.r~., the of Finance Charges. The mm~mum an error. If investigate your question we ceen~ Credt Batance: Ifaaredi~bela~',ce on~ine. If you do not make expiration of the six-month for the credit balance in Creditor: ~ which so wit1 not y you believe there is to the $1.00or more. New York residents may contact the New York Banking Department of credit card rates, fees and grace periods Dy calling t -800-518~8866. Page 3 of 3 Telephone Numbers To Pay By Phone 1-800-472-g297 Customer Service 1-800-964~-8542 (24 hours, toll free) Servicio al aliante en Espa~o~ 1-800-428-7443 0700 - 0~00 (EST) Internal/anal Collect: 336-393-1111 Addresses Customer Service PO Box 7863 Ft. Lauderdale, FL 33329~7863 Payments SUITE 0002 CHICAGO IL 60679-0002 Cards Optima* Consolidator TIMOTHY S LEHMAN DUPLICATE COPY February 13, 2003 Customer Service 800-964-8542 (2~¢ hours / 7 days) 3713-300486-41007 Account Summary Your account is past due. Please pay the past due amount immediately, Credit Line Summary on February 13, 2003 Payments Total of Payment Activity Total Credit Available Credit Line $ Line $ t 8.500.00 000 0.00 Page 1 of 3 Payment Due Date March 10, 2003 Minimum Amount Due includes: Past due amount $1,434.46 This month's amount due $376.87 Please refer to page 3 for important information regarding your account Hew Activity Transactions for TIMOTHY S LEHMAN February 9, 2003 30.00 Late Payment Fee February 13, 2003 376.87 Finance Charge Total of New Activity 406.87 Payment Coupon Acou~ot Numbe~ 3713-300486-41007 TIMOTHY S LEHMAN 1780 WEATHERBURN DR NEW CUMBERLND PA 17070-2219 I,,,llh,,lll.,I,,,lll,,,,,I,l,,I,l,,,llhh,l,,I,II,,,,,ll,I Mail Payment to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 Payment Due Date: I~ 10, 2003 Amount enclosed Please enter account number on all checks and correspondence. To avoid additional Finance Charges on Purchases, pay New Balance before Paymeot Due Date. Note any address and/or you check here, this char4[e will ap~y to all of your Card Accounts excep~ any Corporate Card I,II,,ll,,,,Ih,l,,,ll,h,ll.,ll,,,ll.,.I,II,l,,I,l,,,,I,II 0000371330048641007 0018724330001811~3 ],~ H TIMOTHY $ LEHMAN Finance Charges ~lling days this penod: 31 Pumhases 18,503,97 DUPLICATE COPY ~'~,tN~:~ Page 2 of 3 3713-300486-41007 Average Daily Daily Actual Anneal Con~esponding FINANCE Balance $ Periodic Rate Percentage Annu~ CHARGE $ Rate Pm'centage Rate 00657% 23.98% 23.99% 376.87 Continued on next page Providing your email address to American Expres~s will enable ~ 1o receive special offers, suited t° y°ur needs' DUPLICATE COPY TIMOTHY S LEHMAN 3713-300486-4'1007 Cards Febrt~ary 13, 2003 Payments: Payments received after 12:00 noon or on weekends or hatidays may not be credited until the next busisess day. P.aymeets must be in US Doitars and drawn on a bank located in the US (other than American Expfass Centurion Ban~. Ir you are not paying e~ctreeically or I~/I~se~ please submit your payment in the encased envelope wittl the remittance stub attached eed account number indicateeee the check. ~l-ease do not send post-dated checks. They will be de[ osited u other Iocatiee, there may be a dalay in 13m~sing. W~ resel~ ~ and any re-~eeentment~, 1~' freesmitfing the amount ~ number to your fineec~al institution. Your ' If we can not copilot the fur,,ds s :We use the Average Dally 3er cmcr~ts a/so adrian rate for the Aaature. This giw~ us .~ature for the next day. If this balance is feature for the billing padod a~ Daily Baleece for the feature. F( Ba]an~e will be considared to be zero if Payment Due Date . of days in the billing period and reeuit will be the assessed on that foa~ure excep[ fo~ v. ceused by rounding. T~e i nanc~ C~ rg~ for isca~catated~byaddjngtheFinancecharg~a`s` aseessedooa~. ~tssturee~ftbeAcc~uot~ This me ~ ot the Average D~ii~ Balaffce ~ Finer~c9 ~her. g~_. re.Its m de~lr qompour~ll.ng of Finance Charge. Themlmmum Flnam=e Cha~ for any bitling.L0eeed in which Finance Charges are ~mpdsed ~s $0.50. _BIl#nfl Rights Summaw: In ~ase of Erroes or Ouestlo~s About Your Bill: If you thiat need more ~nformat~on about a transaction on your bill, write to us at the adoYess indicated on on the Customer Service link online. We must hear from : bill ~ ~ which the error or so will not ! you believe there is an error r amount in Page 3 of 3 Telephone Numbers To Pay By Phone 1-800-472~9297 Customer S~ 1-800-~o4-8542 (24 hours, toll free) Servicio al clieete en Espa~ol 1-800-428-7443 0700- O~00 (ES~ tnternationat Collest: 336~q3-1111 Addresses Customer Service PO Box 7863 Ft. Lauderdale, FL 33329-7863 Payments CHICAGO IL 60679-0002 may make charges _agams~ me eeaat to the Rerund Unit at lbo C. astomer Service ~ link eeli~e..If you ue no~ mase e will, within 30 days after exp:raben qfthe slx-month lance, issue a check fo you for the cra:fit balance m ysur account if 1.00 or more. Creditor: Amenca~ E)~l~eas Cent~riee Bank. t YO~( residents may contact the New York Beel~ng Department to obl~un a comparative listing of eredff card rates, fees and grace perm(ts by calling 1-800-518-8866. ~ ~Cards Optima* Consolidator TIMOTHY S LEHMAN DUPLICATE COPY March 13, 2003 Customer Service 800-964-8542 (24 hours / ? days) 3713-300486-41007 Account Summary Minimum See Page 5 For A Summary Of Changes To Your Agreement And Benefits See Page 7 For An Important Privacy Notice Your account is Past due. Please pay the past due amount immediately. This statement is for information purposes only. This is not a bill. Please contact your collections agency for account information: Disregard the minimum due amount, your account is in default and the balance is due in full. Credit Line Summary Total Crsd~t AvailaUe Credit Une $ Une $ on March 13, 2003 18,500.00 030 Payments Total of Payment Activity 0.00 Page 1 of 8 Payment Due Date April 7, 2003 Minimum Amount Due includes: Past due amount $1311-33 This month's amount due $382.00 Please refer to page 3 for important information regarding your account New Activity TransactiOns fOr TIMOTHY S LEHMAN ~moum $ March 12, 2003 30.00 Late Payment Fee ,? Payment COUpon A~oont Number Cor~nued or/ mver~e Payment Due Date: TIMOTHY S LEHMAN 1780 WEATHERBURN DR NEW CUBBERLND PA 17070-2219 I,.111,,'111,,,I,,,111,,.,I,1,,I,1,,,111,1,,I,,I,I1,,.,11,1 $2,193.33 Amount enclosed Mail Payment to: AMERICAN EXPRESS P.O. BOX 360002 FT. LAUDERDALE FL 33336-0002 I,,ll,,,ll,,,ll,,,ll.ll,,ll,,,ll,,,ll,,,,,I,II,l,,I,l,,,,I,II number on a~l checks and correspondence. TO avoid additiona~ Finance Chanjes on Purchases, pay New Balance before Paymerrt Due Date. Note any add, ess and/or telephone number change you check here, this change will apply to all of your Card .a~:counts except any CorpOrate Card .a~counts you may have. DUPLICATE COPY ~,~F~ ~r~.~, Page 2 of 8 TIMOTHY S LEHMAN 3713-300486-41007 New Activity continued ~d.~ March 13, 2003 347.56 Finance Charge Total of New Activity 377~56 Finance Charges Average DaJ~ Daily Actual Annual Corraslxmding FINANCE Billing days this per~od: 28 Balances Pedodic Rate Pemen/age Annual CHARGE $ Rate Percentage Rate purchases 18,893.49 0.0657% 23.98% 23.99% 347.56 Continued on next page N~J'ne DUPLICATE COPY TIMOTHY S LEHMAN 3713-300486-41007 March 13, 2003 Account b Purchase , can ne{ colleot the foeds check. ~se the Average Dally SCr credit,, a/so adden rate k~r the feature. This ~ity balances for the f Balance Payn~ent of days in the b 3e result will be the Charge assessed on that The I Finance Char~ ~or the bitlfo~ period he Accouot This ~ of c. alculetTr~g the , of Firmnce Cherge.~ Tneminimum Bltlinfl RIclht~ ~seut Your BIll: I)' you think your bill is incorrect, or if ygu need more ~nformahon about a transaction on your bill, write to us at the address m¢cated on your paper atsteq~ot, or ¢!ck on the Customer Service link online. We must hear from ;lays after we s~nt you the first, bill on v~h~ch the error ( n your paper s~atemerrt, but doing so will not information: 1. your nm'ne and account ihvestigate your q~ation we connot r Credit Bolance: f a c~edlt bstarme ~ online if you do no{ make s exp!rstine of the six *month for the credil balance in Creditor: you believe there is amount in ~ mc~ey 6wed to you. You be ma;de in wdting tothe o~- dick on the Customer Service link a refund we will, within 30 days after g the credit 'l~ianne, issue a check to you .O0or mere. New York residents may contact the New york Baatdng Department of credit card rates, fees and grace periods by calling 1-800-518-8866. Page 3 of 8 Telephone Numl)ers TO Pay By Phone 1-8{)0~t72-9297 Customer Sen/ise (24 hours, toll free) Servicio al clieote an Espa~ol 1-800-428-7443 0700 - 0100 (EST) International Collect: 336-393-11 t 1 Addresses Customer Service PO Box 7863 Ft. Lauclerdale, FL 3.3.329-7863 Payments P.O, ~ox 3600o2 FT. LAUDERDALE FL 33336-0002 ., - DUPLICATE COPY TIMOTHY S LEHMAN 3713-300486-41007 Page 4 of 8 DUPLICATE COPY TIMOTHY S LEHMAN 3713-300486-41007 March 13, 200~ Notice of Changes to Your Agreement Changes in Your Account Agreement We are making ImPortant Changes to the Agreement governing the American Express® Card Account identified on this Notice. Th~ Notice formally amends that Agre,~ment and any contrary or conflicting language in such Agreement is fully superseded. All terms of the Agreement not amended herein remain in full force and effect. Please review this Notice carefully and file it in a safe place. This information should also be shared with Additional Cardmember(s), if applicable, on your Account because it applies to their use of your Account as well. The changes made to the Agreement will become effective as of the dates indicated below for each change. Delinquency Fee (Effective on the first day of me billing period anding in July 2003) We are changing the Delinquency Fee we may assesa by replacing the section of your Cardmember Agreement entitled !'Delinquency Fees" with the following: "You will be assessed a Delinquency Fee if you fail to pay us at least the minimum amount due by the Payment Due Date shown on each billing statement: The Delinquency Fee will vary based on the amount of your previous balance. The previous balance that w~ use to determine the Delinquency Fee is the closing balance of your prior statement for which we did not receive timely payment of the minimum amount due; Previous Balance Delin~uencv Fee Less than $100 $15 $100 to $1000 $29 Greater than $1000 $35" Monthly Statement-Minimum Payment (Effective on the first day of the billing pedod ending in July 2003) We are changing the calculation of the Minimum Payment amounl on your Account by substituting the following paragraphs for the first paragraph in the section of your Agreement concerning your Minimum Payment amount: "Each billing statement will reflect a Minimum Payment amount, To calculate the Minimum Payment amount, we will first take any previously billed Minimum Payment amounts that remain unpaid on the Closing Date of the statement, and then add the following: · the greater of(i) 1/50th of the New Balance on your billing sti~temeet rounded up or down to the nearest whole dollar (for the purpose of this calculation we exclude fram the New Balance any overlimit fee added to your Account dudng the billing pedod), (ii) the current billed Finance Charges, or (iii) $100; and · any ovedimit fee added to your Account dudng the billing period. The Minimum Payment amount will not exceed the New BalanCe on your billing statement. At our option, we may also include in the Minimum Payment amount all or part of other fees incurred during the billing period and any part of the New Balance on your billing statement in excess of your credit limit." Page 5 of 8 OP/SFYI/0303 T3905 DUPLICATE COPY TIMOTHY S LEHMAN ~N~ Page 6 of 8 3713-300486-41007 Over the Limit Fee (Effective immediately) We are substituting the following paragraph for the corresponding paragraph in your Agreement relating to the fee for exceeding your credit limit: 'We may charge your Account a fee of $29 in each biiling period if a balance on your Account exceeds your credit limit. We may impose the fee even if we authorize or impose any Charges that cause your balance to exceed your credit limit." Credit Limit (Effective immediately) We are substituting the following paragraph for the corresponding paragraph in your Agreement relating to your credit limit: ~Your initial credit limit is set forth in the Supplement. A portion of your credit limit may be available to you for Cash Advances up to an amount determined by us to be your Cash Advance limit. We may. at any time and in our sole discretion, change your credit and Cash Advance limits. Notice of a change to your credit or Cash Advance limit will be provided to you on or with a billing statement or by separate communication either before or after such change is made. Your billing statement will show your credit limit and the portions of such limit that are available to you for Purchases and Cash Advances and the APRs for Purchases and Cash Advances as of the statement date. You agree not to use the Account in any way that causes your balance for Cash Advances to exceed the Cash Advance limit or causes your balance for all Charges to exceed your credit limit. Upon our request, you also agree to immediately pay us the amount of any balance on your Account in excess of any applicable limit." OPt5FYI/0303 T3.q05 DUPLICATE COPY pmp~re~Fe~ A~:o~r~N~rr~e; Page 7 of 8 TIMOTHY $ LEHMAN 3713-300486-41007 Cards March 13, 2003 It's a Matter of Privacy An Important Notice Concerning Cardmember Privacy At American Express, we consider it a high priority to earn and keep our customers' trust and confidence. We am sending this Privacy Notice to United States holders of personal American Express® Chaige Cards or accounts, Optima® Cards or accounts, and other personal credit card accounts that we issue. This Notice explains how we collect and safeguard information about you and the choices you have about our use and disclosure of that information. What Information Do We Collect? We obtain information about you from a vadety of sources. You provide us with information about yourself, for example by completing Card applications. This includes your name, address, social security number, and income and assat information. Your use of the Card and your other transactions with us and our Affiliates provide us with additional information, such as your spending and payment history. Other sources, such as credit reporting agencies and providers of marketing information, furnish us with additional information about your credit history, purchasing preferences, and other matters. We also obtain information in connection with our efforts to protect against fraud. We call all of this information 'Cardmember Information.' What Do We Do with This Information? We use Cardmember Information in connection with delivering products and services to you. To do this it's often necessary to share it with our Affiliates and other companies we work with These include companies that manage Card accounts; offer affinity, frequent-user, and reward programs; and perform marketing services and other business operations for us. We may also share Cardmember Information with other financial institutions with whom we jointly offer products and services. And we may disclose it to other third parties as permitted by law. For example, we disclose Cardmember Information in response to subpoenas, to credit reporting agencies, and to help prevent fraud. Your Opt Out Choices You have "opt out" choices about certain uses and disclosures of Cardmember Information. You may also choose not to receive certain communications. We explain below what uses, disclosures, and communications you may opt out from and how to opt out. Offers for Products and Services of Other Companies We work with other companies, such as memhants that accept the Card, so that you may receive offers for their products and services. We may disclose Cardmember Information to these and other companies to develop and send you these offers. Your choice: To opt out from these disclosures and from receiving these offers, call us at 800-297-8378 or fill out the attached form and return it to the address on the form. You may also include the form with your regular payment. Please Note: You may receive additional privacy notices that provide information and different opt out choices for other Card accounts that are applicable only to those accounts. In this Notice Amedcan Express Travel Related Services Company, Inc. and American Express Centurion Bank are called "Amerman Express," 'we," "our," and "us." The cards and accounts that we issue are called "Cards" or "Card accounts." Holders of those Card accounts are called "Cardmembers" or "you." "Affiliates" relers to o~her companies in the American Express family, related to us by common control or ownership. Please complate this form if you choose to opt out and wish to mail your response rather than use the toll-free number, which is 800-297*8378. If you have already given us your choices, you don't need to respond unless you want to change your choices. Return this form to Amedcan Express along with your payment coupon using the payment envelope enclosed with your statement. Offers for Products and Services of Offers for American Express Other Companies Products and Services [] Do not share Cardmember Information with other companies to send me offers for their produc~s and services. Credit Information Provided to Our Affiliates [] Do not share credit-related information about me (except as described in this Notice) with your Affiliates. Account Number 3713-300486-41007 Mail Offers [] Do not send me offers in the mail for American Express products and services. Telephone Offers [] Do not contact me by telephone to offer me products and services. If you do not have a payment envelope, mail your response to: Amerfcan Express Cardmember Information Services P.O. Box 299836 Ft. Lauderdale FL 33329-9836 MU/1LE/0303 1.752072 Ji02 ! DUPLICATE COPY TIMOTHY S LEHMAN ~,~t ...,b~ Page 8 of 8 3713-300486-41007 Offers for American Express Products and Services Mail Offers We work with our Affiliates to develop an(~ mail you offers for our products and services and those of our Affiliates. Your choice: To opt out from receiving these mailings, call us at 800-297-8378 or fill out the attached form and return it to the address on the form. You may also include the form with your regular payment. Telephone Offers We may contact you by telephone about our products and serwces or those that we offer with our business partners Your choice: To opt out from receiving telephone offers, call us at 800-297-8378 or fill out the attached fomn and return it to the address on the form. You may also include the form with your regular payment Information We Sham with Our Affiliates Our Affiliates include financial advisors, publishers, insurers, and travelem cheques issuers. American Express Travel Related Services Company, Inc. and American Express Centurion Bank are also Affiliates of each other. We may disclose certain Cardmember Information our Affiliates to provide services for your Card account and to help us provide you with offers. We are permitted by law to share information with our Affiliates about our transactions or experiences with you, such as your payment history But you can opt out of our sharing other credit-related information (such as your credit history as shown on a consumer report) with our Affiliates. except as permitted by law. Your choice: To opt out from sharing our credit-related information With our Affiliates (except as described above), call us at 800-297~8378 or fill out the attached form and return ~t to the address on the form. You may also include the form with your regular payment. E-Mail Offers We may send you e-mail offers for our products and serwces, and those of our Affiliates and other companies we work with. We don't share e-mail addresses With other companies for them to market their own products and services to you. Your choice: To opt out from receiving these e-mail offers, enter your preferences at the "Set E-Mail Preferences" page of our Internet Privacy Statement at www.amedcanexpress.com/cust_serv/ privacy/emailpdvacy, asp. Information Securtty We take commercially reasonable physical, electronic and procedurai steps ro help safeguard Cardmember Information. tf you cancel your Card, or your Care account(si are closed we will continue to treat and safeguard Cardmember Information about you as described in this Notice. For Venmont Cardmembem Only If your Card account has a Vermont bilJing address we w~ll automatically treat your account as if you had checked the upper-left and lower-left hand boxes on the attached opt out form. We may snare your name and contact information, and information about financial institutions with whom we jointly offer financial products and services. This Notice describes opt out choices about certain other uses of Cardmember Information. If you are the primary Cardmem~er on your Card account, your opt out choices will also apply to any other Cardmembers on your Card account. If you opt out, we may still include notices and information about the Card and other products and services when cernmunioating w~th you about your Card account and related products and MU/1LE/0303 1.752072.102 EXHIBIT "C" STATEMENT OF ACCOUNT RE: ACCOUNT # : 371330048641007' CARDHOLDERS : TIMOTHY LEHMAN PRINCIPAL BALANCE DUE: $18,724.33 INTEREST AT 23.99%: $1~497.32 FROM DATE OF December, 2002 ATTORNEYS FEE AT 15%: ~; 37033.25 TOTAL AMOUNT DUE: $23,264.90 SHERIFF'S RETURN - CASE NO: 2003-05134 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND AMERICAN EXPRESS VS LEHMAN TIMOTHY REGULAR CPL. MICHAEL BARRICK , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to says, the within COMPLAINT & NOTICE was served upon LEHMAN TIMOTHY DEFENDANT , at 1646:00 HOURS, at 1780 WEATHERBURN DRIVE NEW CUMBERLAND, PA 17070 KATHLEEN LEHMAN, WIFE a true and attested copy of COMPLAINT & NOTICE the on the 30th day of September, by handing to together with law, 2003 and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 11.73 Affidavit .00 Surcharge 10.00 .00 39.73 Sworn and Subscribed to before me this %~ day of 0~ ~&%23 A.D. Prot~onotar~ So Answers: R. Thomas Kline 10/01/2003 WILLIAM MORRIN Deputy Sheriff