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HomeMy WebLinkAbout08-5251Our File No. 292404 r - :..,TTORNEYS FOR PLAINTIFF ERIC M. BERMAN, P.C. BY: Eric M. Berman, Esquire, I.D. 83698 BY: Robert M. Kline, Esquire,I.D. 56479 500 North Gulph Road, Suite 350 King of Prussia, PA 19406 (484) 690-3900 -----------------------------------------x US BANK NATIONAL ASSOCIATION ND c/o ERIC M. BERMAN, P.C. 500 North Gulph Road, Suite 350 King of Prussia, PA 19406 VS. STEPHANIE K SPOTTS 1110 RIDGE DR MECHANICSBURG, PA 17055 4483 -----------------------------------------x COURT OF COMMON PLEAS COUNTY OF CUMBERLAND TRIAL DIVISION CIVIL ACTION Term No. (y$ - 5asI &vi l Term NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in this complaint or for any other claim or relief required by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW OR FIND OUT WHERE YOU CAN GET LEGAL HELP. AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plaza al partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia escrita o en persona o con un abagado y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. A demas la la corte puede decidir a favor del demandante y requiere que usted compla con todas las provisioner de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATEMENTE. SI NO TIENE ABOGA O SO NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO. VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. LAWYER REFERRAL SERVICE, COUNTY OF CUMBERLAND BAR ASSOCIATION Add.: 2 LIBERTY AVE., CARLISLE, PA 17013 Tel.: 800-990-9108 Our File No. 292404 ATTORNEYS FOR PLAINTIFF ERIC M. BERMAN, P.C. BY: Eric M. Berman, Esquire, I.D. 83698 BY: Robert M. Kline, Esquire,I.D. 56479 500 North Gulph Road, Suite 350 King of Prussia, PA 19406 (610) 265-7720 -----------------------------------------X US BANK NATIONAL ASSOCIATION ND c/o ERIC M. BERMAN, P.C. 500 North Gulph Road, Suite 350 King of Prussia, PA 19406 VS. STEPHANIE K SPOTTS 1110 RIDGE DR MECHANICSBURG, PA 17055 4483 -----------------------------------------X COMPLAINT COURT OF COMMON PLEAS COUNTY OF CUMBERLAND CIVIL ACTION Term No. 0 t-- So)- T- ! C, T ?; 1 "( 4? 1. Plaintiff, US BANK NATIONAL ASSOCIATION ND is a NATIONAL BANKING ASSOCIATION authorized to do business in the Commonwealth of Pennsylvania with its place of business at 9321 OLIVE BLVD, ST LOUIS, MO 63132. 2. The Defendant(s), STEPHANIE K SPOTTS resides at 1110 RIDGE DR , MECHANICSBURG, PA 17055-4483. 3. There is due from the Defendant(s) the sum of $11,810.07 for credit extended by Plaintiff to Defendant(s), acct. no. ************2047, and which such credit was drawn and used by the Defendant(s). Defendant(s) is in default for failure to make payments for such use. 4. The Plaintiff has made demand upon the Defendant(s) for payment of monies in the sum of $11,810.07 advanced to Defendant(s) through Defendant(s) use of the above-referenced credit account, but Defendant(s) has failed and refused to pay the said sum or any part thereof. 5. All applicable credits, if any, have been duly applied to Defendant(s) credit account. WHEREFORE, Plaintiff claims of the Defendant(s) the sum of $11,810.07 plus interest, attorneys fees and costs which are justly due and owing from the Defendant(s) to the Plaintiff. Dated: FEBRUARY 14, 2008 ERIC M. BE P.C. BY: ERIC M. BERMAN, E IRE BY: ROBERT M. KLINE ESQUIRE SPACEBNW-ZN Attorneys for Plaintiff VERIFICATION Eric M. Berman, Esquire, being duly sworn according to law, deposes and says that he is the Principal attorney of Eric M. Berman, P.C., attorneys for the Plaintiff, and/or Robert M. Kline, Esquire, being duly sworn according to law, deposes and says that he is an associate attorney with said firm, and as said attorney, is authorized to take this verification on its behalf, and that the facts in the Complaint as set forth therein are true and correct to the best of his knowledge, information and belief. I verify that the statements true and correct. I understand to the penalties of 18 Pa C.S.A. falsifications to authorities. ERIC M. BERMAN, ES IRE made in the within instrument are that false statements are subject Section 4904 relating to unsworn ROBERT M. KLINE, ESQUIRE Dated: FEBRUARY 14, 2008 SPACEBNW-ZN C"> C -t, ?n cn ?p r r -rt cn p L, tA3 p tee, , co _ WA%b \? b a G.rl r t7 SHERIFF'S RETURN - REGULAR CASE NO: 2008-05251 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND US BANK NATIONAL ASSOCIATION VS SPOTTS STEPHANIE K MICHELLE GUTSHALL Sheriff or Deputy Sheriff of -?- .rw?r Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon SPOTTS STEPHANIE K the DEFENDANT at 0958:00 HOURS, on the 6th day of September, 2008 at 1110 RIDGE DR MECHANICSBURG, PA 17055-4483 by handing to STEPHANIE SPOTTS a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 11.00 Affidavit .00 Surcharge 10.00 gjldoS ( 00 39.00 Sworn and Subscibed to before me this day of , So Answers: R. Thomas Kline 09/08/2008 ERIC BERMAN By: Deputy Sheriff A. D. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA US BANK NATIONAL ASSOCIATION ND, Plaintiff V. STEPHANIE K. SPOTTS, Defendant No. 08-5251 CIVIL TERM NOTICE TO PLEAD TO: US Bank National Association ND c/o Eric M. Berman, Esquire Eric M. Berman, P.C. 500 North Gulph Road Suite 350 King of Prussia, PA 19406 You are hereby notified to file a written response to the enclosed Preliminary Objections to Complaint within twenty (20) days of service hereon or a you. Date: C? By: P.C. may be entered against c. Fra#k C. Sl is, Esquire Attey r Defendant Supre Court I.D. # 43829 Scaringi & Scaringi, P.C. 2000 Linglestown Road, Suite 106 Harrisburg, PA 17110 717-657-7770 frank@scaringilaw.com Frank C. Sluzis, Esquire Scaringi & Scaringi, P.C. 2000 Linglestown Road, Suite 106 Harrisburg, PA 17110 Supreme Court I.D. No. 43829 Attorney for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA US BANK NATIONAL ASSOCIATION ND, Plaintiff V. STEPHANIE K. SPOTTS, Defendant : No. 08-5251 CIVIL TERM DEFENDANT'S PRELIMINARY OBJECTIONS TO COMPLAINT Defendant, Stephanie Spotts, by and through her attorney, Frank C. Sluzis of Scaringi & Scaringi, P.C., and pursuant to Pa.R.C.P. No. 1028, does hereby preliminarily object to Plaintiff's Complaint and in support thereof states as follows: 1. Plaintiff commenced this civil action by filing a Complaint on or about September 3, 2008. (A true and correct copy is incorporated herein by reference, attached hereto, and mark as Exhibit A.) Motion to Strike Complaint for Failure to Conform to Pa.R.C.P. No. 1019(f) 2. Paragraph 1 hereof is incorporated herein by reference as if fully restated in its entirety. 3. Rule 1028(a)(2) of the Pennsylvania Rules of Civil Procedure permits the filing of a preliminary objections where a pleading fails to conform to law or rule of court. 4. Plaintiff's Complaint fails to specifically state the time, place, and items which were allegedly purchased by Defendant which entitle Plaintiff to special damages of $11,810.07, plus attorneys' fees and costs, as required by Pa.R.C.P. No. 1019(f). 5. Plaintiff's Complaint alleges that Defendant owes an unpaid balance in the amount of $11,810.07 for credit extended to Defendant by Plaintiff yet the Complaint fails to provide any information regarding the details or nature of any alleged transactions that caused said balance, or when or where said balance is alleged to have occurred. 6. Plaintiff's Complaint is in violation of Pa.R.C.P. No. 1019(f) and should be stricken. WHEREFORE, Defendant respectfully requests this Honorable Court to strike Plaintiff's Complaint with prejudice. Motion to Strike Complaint for Failure to Conform to Pa.R.C.P. No 1019(h) 7. Paragraphs 1 through 6 hereof are incorporated herein by reference as if fully restated in their entirety. 8. Plaintiff's Complaint fails to conform to Pa.R.C.P. No. 1019(h) which requires that any claim based on an agreement shall specifically state whether the agreement is oral or written. 9. Plaintiff's Complaint alleges that Plaintiff extended to Defendant credit and that Defendant used and drew upon said credit; however, Plaintiff's Complaint fails to specifically state whether the agreement underlying the issuance of said credit card was oral or written as required by Pa.R.C.P. No. 1019(h). 10. Plaintiff s Complaint is in violation of Pa.R.C.P. No. 1019(h) and should be stricken. WHEREFORE, Defendant respectfully requests this Honorable Court to strike Plaintiff s Complaint with prejudice. Motion to Strike Complaint for Failure to Conform to Pa.R.C.P. No. 10196) 11. Paragraphs 1 through 10 are incorporated herein by reference as if fully restated in their entirety. 12. Plaintiff's Complaint fails to conform to Pa.R.C.P. No. 1019(i) which requires that where a claim is based upon a writing, the pleader shall attach a copy of said writing, or provide information as to why the writing is not accessible to the pleader and the substance of the writing. 13. Plaintiff s Complaint alleges that Plaintiff extended credit to Defendant and that Plaintiff advanced monies to Defendant through Defendant's use of the credit account with Plaintiff. 14. Plaintiff failed to attach to its Complaint the copy of the writing which created the alleged credit agreement between Plaintiff and Defendant as required by Pa.R.C.P. No 1019(i). 15. Plaintiff failed to state in its Complaint that a copy of the writing is not accessible to Plaintiff, the reason said writing is not accessible, or the substance of the writing as required by Pa.R.C.P. No. 1019(i). 16. Plaintiff's Complaint is in violation of Pa.R.C.P. No. 1019(1) and should be striken. WHEREFORE, Defendant respectfully requests this Honorable Court to strike Plaintiff's Complaint with prejudice. 9 a? oY Date Somme Court I.D. No. 43825 Scaringi & Scaringi, P.C. 2000 Linglestown Road, Suite Harrisburg, PA 17110 717-657-7770 frank@scaringilaw.com 106 Our File No. 292404 ,ATTORNEYS FOR PLAINTIFF ERIC M. BERMAN, P.C. BY: Eric M. Berman, Esquire, I.D. 83698 BY: Robert M. Kline, Esquire,I.D. 56479 500 North Gulph Road, Suite 350 King of Prussia, PA 19406 (484) 690-3900 -----------------------------------------X COURT OF COMMON PLEAS COUNTY OF CUMBERLAND US BANK NATIONAL ASSOCIATION ND c/o ERIC M. BERMAN, P.C. TRIAL DIVISION 500 North Gulph Road, Suite 350 King of Prussia, PA 19406 CIVIL ACTION VS. Term STEPHANIE K SPOTTS 1110 RIDGE DR MECHANICSBURG, PA 17055 4483 T -----------------------------------------X No. NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in this complaint or for any other claim or relief required by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW OR FIND OUT WHERE YOU CAN GET LEGAL HELP. AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plaza al partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia escrita o en persona o con un abagado y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. A demas la la corte puede decidir a favor del demandante y requiere que usted compla con todas las provisioner de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATEMENTE. SI NO TIENE ABOGA O SO NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO. VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. LAWYER REFERRAL SERVICE, COUNTY OF CUMBERLAND BAR ASSOCIATION Add.: 2 LIBERTY AVE., CARLISLE, PA 17013 Tel.: 800-990-9108 IN& COPY FROM RECORD in Til t whet d, I We Lmto set my hand ad OW d said Coy d at CM1161e, Pa. nw, ?:Jro? d1w amt'.' 400 EXHIBIT A Our File No. 292404 ATTORNEYS FOR PLAINTIFF ERIC M. BERMAN, P.C. BY: Eric M. Berman, Esquire, I.D. 83698 BY: Robert M. Kline, Esquire,I.D. 56479 500 North Gulph Road, Suite 350 King of Prussia, PA 19406 (610) 265-7720 ----------------------------------------- X US BANK NATIONAL ASSOCIATION ND c/o ERIC M. BERMAN, P.C. 500 North Gulph Road, Suite 350 King of Prussia, PA 19406 VS. STEPHANIE K SPOTTS 1110 RIDGE DR MECHANICSBURG, PA 17055 4483 -----------------------------------------X COMPLAINT COURT OF COMMON PLEAS COUNTY OF CUMBERLAND CIVIL ACTION Term No. 1. Plaintiff, US BANK NATIONAL ASSOCIATION ND , is a NATIONAL BANKING ASSOCIATION authorized to do business in the Commonwealth of Pennsylvania with its place of business at 9321 OLIVE BLVD, ST LOUIS, MO 63132. 2. The Defendant(s), STEPHANIE K SPOTTS , resides at 1110 RIDGE DR , MECHANICSBURG, PA 17055-4483. 3. There is due from the Defendant(s) the sum of $11,810.07 for credit extended by Plaintiff to Defendant(s), acct. no. ************2047, and which such credit was drawn and used by the Defendant(s). Defendant(s) is in default for failure to make payments for such use. 4. The Plaintiff has made demand upon the Defendant(s) for payment of monies in the sum of $11,810.07 advanced to Defendant(s) through Defendant(s) use of the above-referenced credit account, but Defendant(s) has failed and refused to pay the said sum or any part thereof. 5. All applicable credits, if any, have been duly applied to Defendant(s) credit account. WHEREFORE, Plaintiff claims of the Defendant(s) the sum of $11,810.07 plus interest, attorneys fees and costs which are justly due and owing from the Defendant(s) to the Plaintiff. ERIC M. BE P.C. Dated: FEBRUARY 14, 2008 BY: ERIC M. BERMAN, E IRE BY: ROBERT M. KLINE ESQUIRE SPACEBNW-ZN Attorneys for Plaintiff VERIFICATION Eric M. Berman, Esquire, being duly sworn according to law, deposes and says that he is the Principal attorney of Eric M. Berman, P.C., attorneys for the Plaintiff, and/or Robert M. Kline, Esquire, being duly sworn according to law, deposes and says that he is an associate attorney with said firm, and as said attorney, is authorized to take this verification on its behalf, and that the facts in the Complaint as set forth therein are true and correct to the best of his knowledge, information and belief. I verify that the statements true and correct. I understand to the penalties of 18 Pa C.S.A. falsifications to authorities. ERIC M. BERMAN, ES iRE made in the within instrument are that false statements are subject Section 4904 relating to.unsworn ROBERT M. KLINE, ESQUIRE Dated: FEBRUARY 14, 2008 SPACEBNW-ZN IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA US BANK NATIONAL ASSOCIATION ND, Plaintiff V. : No. 08-5251 CIVIL TERM STEPHANIE K. SPOTTS, Defendant CERTIFICATE OF SERVICE I, Frank C. Sluzis, of Scaringi & Scaringi, P.C., do hereby certify that a copy of the Defendant's Preliminary Objections to Complaint in the above-captioned action has been duly served upon the following, by depositing same in the United States Mail, First Class, Postage Prepaid, addressed as follows: Eric M. Berman, Esquire Eric M. Berman, P.C. 500 North Gulph Road Suite 350 King of Prussia, PA 19406 Date: Frank C. Sluzis IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA US BANK NATIONAL ASSOCIATION ND, Plaintiff V. : No. 08-5251 CIVIL TERM STEPHANIE K. SPOTTS, Defendant BRIEF IN SUPPORT OF DEFENDANT'S PRELIMINARY OBJECTIONS TO COMPLAINT Defendant, Stephanie Spotts, by and through her attorney, Frank C. Sluzis, Esquire, of Scaringi & Scaringi, P.C., does hereby file her brief in support of his Preliminary Objections to Complaint: 1. Procedural History and Relevant Facts Plaintiff commenced this civil action by filing a Complaint on September 3, 2008. Plaintiff's Complaint alleges that Plaintiff extended credit to Defendant in the form of a credit card. Plaintiff's Complaint further alleges Defendant has an outstanding unpaid balance on said credit card of $11,810.07, which Plaintiff alleges that Defendant has failed or refused to pay. Plaintiff's Complaint fails to conform with Pa.R.C.P. No. 1019(f) in that the Complaint does not specifically state the time, place, and items which entitled Plaintiff to damages in the amount of $11,810.07. Plaintiff s Complaint does not specify whether the alleged agreement was oral or in writing as required by Pa.R.C.P. No. 1019(h). Plaintiff s Complaint also fails to include the writing that evidences the alleged agreement or specify why such a writing is unavailable, along with a description thereof, as required by Pa.R.C.P. No. 1019(i). II. Statement of Issues Involved Whether the Court should strike Plaintiffs Complaint pursuant to Pa.R.C.P. No. 1028(a)(2) for failure to conform to law or rule of court in violation of Pa.R.C.P. No. 1019(f), (h), and (i)? Suggested Answer: YES. III. Argument A. The Court should strike Plaintiffs Complaint pursuant to Pa.R.C.P. No. 1028(a)(2) for failure to conform to Pa.R.C.P. No. 1019(f) requiring specificity in time, place, and items in order to recover special damages. The Pennsylvania Rules of Civil Procedure No. 1019(f) states that: "Averments of time, place and items of special damages shall be specifically stated." Such information is necessary for Defendant to properly respond to Plaintiff's Complaint. "Defendant is entitled to know the dates on which individual transactions were made, the amount therefore, and the items purchased to be able to answer intelligently and determine what items he can admit and what he must contest." Marine Bank v. Orlando, 25 Pa. D. & C.3d 264, 268 (C.P. Erie Cty. 1982); see also St. Hill & Assocs. v. Capital Asset Research Corp., 2000 Phila. Ct. Com. Pl. LEXIS 95 (C.P. Phila. Cty. 2000). Courts have found that gathering this information is a "relatively simple matter" for a Plaintiff; however it would "potentially be both costly and time consuming" for a defendant to obtain this information on his own. Marine Bank, 25 Pa. D. & C.3d at 267. Plaintiff's Complaint fails to state, either generally or specifically, when the alleged balance of $11,810.07 is to have occurred. It does not provide any information on what part of this alleged balance results from purchases and/or cash advances and what portion is from fees and other charges applied by Plaintiff. Without such information, Defendant is unable to intelligently answer Plaintiff's Complaint. Therefore, Plaintiff's Complaint if in violation of Pa.R.C.P. No. 1019(f) and should be stricken. B. The Court should strike Plaintiffs Complaint pursuant to Pa.R.C.P. No. 1028(a)(2) for failure to conform to Pa.R.C.P. No. 1019(h) requiring specificity in time, place, and items in order to recover special damages. Pennsylvania Rule of Civil Procedure No. 1019(h) provides that "when any claim or defense is based upon an agreement, the pleading shall state specifically if the agreement is oral or written." Plaintiff s Complaint clearly alleges that Plaintiff's cause of action is based on an agreement between Plaintiff and Defendant. Despite Plaintiff's reference to an agreement whereby Plaintiff extended credit to Defendant, Plaintiffs Complaint fails to state whether this agreement was oral or written, as required by Pa.R.C.P. No. 1019(h). Therefore, Plaintiff s Complaint is in violation of Pa.R.C.P. No. 1019(h) and should be stricken. C. The Court should strike Plaintiffs Complaint pursuant to Pa.R.C.P. No. 1028(a)(2) for failure to conform to Pa.R.C.P. No. 1019(1) requiring specificity in time, place, and items in order to recover special damages. Pennsylvania Rules of Civil Procedure No. 1019(i) requires as follows: When any claim or defense is based upon a writing, the pleader shall attach a copy of the writing or the material part thereof, but if the writing or copy is not accessible to the pleader, it is sufficient so to state together with the reason, and to set forth the substance in writing. Plaintiff has failed to state whether or not the alleged credit agreement is based on a writing, and has failed to attached to the Complaint signed written agreement evidencing the alleged contract between Plaintiff and Defendant. Plaintiff has failed to state that such writing is unavailable to Plaintiff. The Pennsylvania Superior Court has found that failure to attach the writing which establishes the debt between a plaintiff and a defendant in a particular amount "is fatal to the claims set forth in [plaintiff's] complaint." Atlantic Credit & Finance. Inc. v. Wilson, 829 A.2d 340, 345 (Pa. Super. 2003). Therefore, Plaintiff's Complaint is in violation of Pa.R.C.P. No. 1019(i) and should be stricken. IV. Conclusion For the reasons set forth in the Preliminary Objections of Defendant and in the Brief in Support thereof, Plaintiff's Complaint should be stricken. Date Respectfully submitted, Frank C. Sluzis, Esquire Attorney for Defendant Supreme Court I.D. # 43829 Scaringi & Scaringi, P.C. 2000 Linglestown Road, Suite 106 Harrisburg, PA 17110 717-657-7770 frankkscaringilaw.com IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA US BANK NATIONAL . ASSOCIATION ND, . Plaintiff V. : No. 08-5251 CIVIL TERM STEPHANIE K. SPOTTS, . Defendant CERTIFICATE OF SERVICE I, Frank C. Sluzis, of Scaringi & Scaringi, P.C., do hereby certify that a copy of the Brief in Support of Defendant's Preliminary Objections to Complaint in the above-captioned action has been duly served upon the following, by depositing same in the United States Mail, First Class, Postage Prepaid, addressed as follows: Eric M. Berman, Esquire Eric M. Berman, P.C. 500 North Gulph Road Suite 350 King of Prussia, PA 19406 Date: Frank C. Sluzis d ? t 7, :a Frank C. Sluzis 2000 Linglestown Road, Suite 106 Harrisburg, PA 17110 717-657-7770 frank&scaringilaw.com IN THE COURT OF COMMON PLEASE OF CUMBERLAND COUNTY, PENNSYLVANIA US BANK NATIONAL ASSOCIATION ND, Plaintiff V. STEPHANIE SPOTTS, Defendant .? x sl No. 084W CIVIL TERM PRAECIPE FOR ENTRY OF APPEARANCE TO THE PROTHONOTARY: Please enter my appearance as attorney in the above-captioned action for the Defendant, STEPHANIE SPOTTS, per her request. Date: Scaringi & Scaringi, P.C. 2000 Linglestown Road, Ste 106 Harrisburg, PA 17110 717-657-7770 (office) 717-657-7797(fax) frank@scaringilaw.com .-rt a ?-c s My ?-r` ; N 0 . , r a _4 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA US BANK NATIONAL ASSOCIATION ND, Plaintiff V. : No. 08-5251 CIVIL TERM STEPHANIE K. SPOTTS, Defendant CERTIFICATE OF SERVICE I, Frank C. Sluzis, of Scaringi & Scaringi, P.C., do hereby certify that a copy of the Praecipe for Entry of Appearance in the above-captioned action has been duly served upon the following, by depositing same in the United States Mail, First Class, Postage Prepaid, addressed as follows: Date: a(S v Eric M. Berman, Esquire Eric M. Berman, P.C. 500 North Gulph ad Suite 350 King of Prussia, A 1 01 Sluzis 7 r? ` t n Our File No. 292404 ATTORNEYS FOR PLAINTIFF ERIC M. BERMAN, P.C. BY: ROBERT M. KLINE, ESQUIRE IDENTIFICATION NO.: 56479 500 NORTH GULPH ROAD, SUITE 350 KING OF PRUSSIA, PA 19406 (484) 690-3900 -----------------------------------X U.S. BANK NATIONAL ASSOCIATION Plaintiff, Vs. STEPHANIE SPOTTS Defendant. -----------------------------------X NOTICE TO PLEAD COURT OF COMMON PLEAS CUMBERLAND COUNTY CIVIL ACTION No. 08-5251 You are hereby notified to plead to the Amended Complaint within twenty (20) days of your receipt hereof, or a judgment may be entered against you. Dated: October 10, 2008 ERIC M. B MAN, P.C. BY: ROBERT M. KLINE, ESQUIRE ATTORNEYS FOR PLAINTIFF Our File No. 292404 ATTORNEYS FOR PLAINTIFF ERIC M. BERMAN, P.C. BY: ROBERT M. KLINE, ESQUIRE IDENTIFICATION NO.: 56479 500 NORTH GULPH ROAD, SUITE 350 KING OF PRUSSIA, PA 19406 (484) 690-3900 -----------------------------------X U.S. BANK NATIONAL ASSOCIATION Plaintiff, VS. STEPHANIE SPOTTS Defendant. -----------------------------------X AMENDED COMPLAINT COURT OF COMMON PLEAS CUMBERLAND COUNTY CIVIL ACTION No. 08-5251 1. Plaintiff, U.S. Bank National Association ("Plaintiff") is a National Banking Association, authorized to do business in the Commonwealth of Pennsylvania with its principal place of business located at 9321 Olive Blvd., St. Louis, MO 63132. 2. Defendant Stephanie Spotts ("Defendant"), is a citizen of the Commonwealth of Pennsylvania, residing at 1110 Ridge Drive, Mechanicsburg, PA 17055. 3. Defendant applied for, entered into and was issued a revolving credit account pursuant to a Cardmember Agreement with Plaintiff (Exhibit "A") and was assigned Account No. xxxxxxxxx2047, which credit account was drawn and used by Defendant. A copy of Defendant's account history, is attached hereto as Exhibit "B". 4. Defendant is in default for failure to make required payments for such use. There is due and owing $11,810.07, as indicated on the attached account history. 5. Plaintiff has made demand upon the Defendant for payment of monies in the sum of $11,810.07 but Defendant has refused to pay the said sum or any part thereof. 6. All applicable credits, if any, have been duly applied to Defendant's account. 7. Pursuant to the Cardmember Agreement (para.32), Plaintiff is entitled to attorneys fees and costs upon Defendant's default. WHEREFORE, Plaintiff claims of the Defendant the sum of $11,810.07 plus interest, attorneys fees and costs which are justly due and owing from the Defendant to the Plaintiff, plus such other and further relief as the Court deems appropriate. ERIC M. BERMAN, P.C. Dated: October 10, 2008 j' BY ROBERT M. KLINE, ESQUIRE ATTORNEYS FOR PLAINTIFF EXHIBIT A U.S, BANK SECURED, CLASSIC, OLD OR PLATINUM CREDIT (mective 07/01/05) 'thise??casde beragarmeat??cEd?saaa nt(`A `j betweeapundUS.link Mad"Awodatica?Mcea- tuai tti£ teaias drat v? appl rj m yamr U.S Baufe Seeancd, C andYor>ag Cdd or M2410 Card Accaamt (?Aecoaa j at aw6ed art ysitrr s adcania lis tip a?t'psra• aieaaa eac??'vi?ai a sow it?a sir far die Aautaut ? ottaertaisG s for tbc, As>r?L "fie`, '?" `osrs'mt? Bartle' » USa?isialAsioaataoa 1+ID ttix i?r_ efffie Cie! sad year Aa?t ctec?tac beau ?sd tb?ia o?eateasefd- # :md lee it is a sate pBace the nee of tEw ttvS. Bank axattt caadt istne veida dig Actatate `Card'),1e ?t ms s carve as eQm ss jau of dame ?y pace f as ? d ' j ergs die Card or Acaot? 'g ie laser tbn 34 a?dar daps after we W aad you fad td fdnla the Card La dam ' tgwcasws-, diem ate aim [et 'MmY M-00011111: #aatre: oa yourCai:i Carrie -Acaitwi assd A*tcmmt i mu are set gaatamd for airy pdva of Jsw? vrc qty cbaage doe terms of ialv&q AM mead Fee, in aerarimr? vfa6 dii sad 1a Yost espeaEeiux ttdaar zE ifl year Cr?editBaus?at ? mapp altocastsc a ors iatre??oo. dsa I?t?gis rhea u addd w ?c hulq au isavase? Eras etcr A dcrnrase is Cre?iba?, f"asaon cosisida+ad iu tticp?iawarasad rxeuiay ire fiver general ero?r pcialdc, ads tetioasntre sad stf lbesl seder ash Agcemtcett??itb die fiw ? vii, smt other ?tirmts ©ftltc amaimt rtagc ash, pafotsaatocc ? iei1l ?T fain of dais s3msg?e a atatpTeaac-c b'? T? ? V Perxmal Uw - Yea stn use the Accailmt only far p nl, try sit maid pap m Federal or sting eanam er pmt* lion bias may atsA > y?ts ex de Amt fa at?er fin tat,family or hald yatp Does. let add, at ?ass7r auspmd a s of y1>srr alavfity w tW the Arch or Card.if dmg at rased ix busiam or oaam purposes ? Acw mt Pum m=- Yet mq ate dw Aceomw bat lease m sttlteiiibe alum stt =-Vi= from trmarrs?si t by c ox wt titr Ia?rtalx ad n pins T 'tatiidrr crm dmip xtas hsabw "I ?e W, m sin Csst?eatmre Cam; ot>datmsz'Ind ay p vmotiouat B:tamce Tmdu or G mnimm Chock offer vas; a shY fam +idati sssaaaiats tbt a:itpLva wheiter those WmaWmi A pa* sad bt trraW as aPuPurck= Fym if yea"tot igmd a akt dcA or die imcrdtant bu W ei* as amw/ tieEby ,Awk let Y..? It asatmt b an 1 rtt tbta the Aa?ca?? a as see -Y.. &w Arat W 3. 14ecosstt Admucs - Ad== am u nsackm other than haet;a%a that straw &ect =w in fuade avatlalde d b guar Aomoat Adr4m may m&& Anent ttumacmu a& as rasa at yawl obtkm Zclfy hm vs, Oda . .. aGataaliat beau ans, or antaaaa*d ttLt a x (`Ca& Advamilj, tdqkm transkas, so= Bohm stxne Cie thsuks, FaAC* 0s>adaaft Pxi Adrutat ad GA Epv" Aslra {"Gash Fsgavale?.Advances" istdt?c w asagletc of iatsiats: write: , travetieu checks, sxdras, cash mss, asiao sea wisps and tattrzag t 'l?sal bra" or'A?" adrsaxs amd.? t??ae {av#ma?al plmne spat{, Z?r {Cardmr?iaSar?uae assat? and I?etnet raj. bd?blp Aacoanit staff ? sstve taaype?r to Ads?pses as m `", `Cash", `Gait Adra?es', oa• by lice p sir device 1Ria snndfe o6taiat as Arksn[G Rcfer to tt+e Acsa>smt Fees ses3ian ? sus m Ad{tpaiacz'Ctwadma T?oea. 4. Adrraw Amb -Abe more drag SA oldie C'ixdat hit (&kW b is avaUbbe fpr Cah Add Gah Egvink* Adv or Advaitoes telepboe ttaashL thi a we bve &d in t or dhawc to 1 ex attatahct ti of Cca r A&UM yea m/ astir deramgk ovw1raft hN tnctim G ffwma ?facCash ftma*w, you may tits the Aommt to aLth biome Adv acCa up to the tmomtavtilali a& tlit Qdt 5. Cmwakw cls-F mtimtotim;wcr yy pcmicaieaa cbmWatmebTthe 4sumdsaat snicks. _ ?e Cltecb ate shahs tbttook flee sstlxr b1a ate s?aata on cmdtt i?a art c-Acw mt:,e-----1 - an the paraaadaur e(faa m make irm tine to tm!e, Caae x C1M dtatvtif post and be tteaazd as sbum at 0%6ciiimm Cho& thatws3past sad be as a ftd mG Ik *4 im ma oai W&a? Ctca L? we gcavit?e, ia>? aaa?t'* the edit vk&a the Qwumm C? ml pit and be tnatcd 25'a Adru ce or 23 ,11 sbec Coninieatoe amb tint be v &cn in ul chasm W insy- m a Cuarettim= and v"aisl ib (a) dic ac& awadabtc nnim yow Craft Lb k is test dies the Caaeeniimee hack tub (i) the Aowvat it: is dcihalt; or (c) dz coa eau CSwkis =sigitadoc athavkc fads to arifotsa to om mV1ar1y awgftd wn&r It for check psymmtCamvs Amin CA msy nit lac and to pay the Amunt w my olifgaf n pa =in or our dffuta. d. P g aaai5to0(ag P va Ciauvrmratc C htCh -Yctaii =rue die said adskest prors diaal>c `Lest et5lattea Card or Conveaince V& *c&on bdow b respxtt that pqm_m ba tetsipped an a Cafentsitae Cho& You must cat acs Ptamp??ggvauft aatsttalsbaPPapms?.tae acid thm pa?alzuxavtta: oaiaataFthe:utsy pat?gnests?a- au 14 she ader days Ao}'stap papaaeat aarst we reteave wild teamuab e#iect fer 6 aaaom[bt, lfsn aeucsu she t ra wrimag before i5e eod of that t>a DG`c assay ply Csiaawiaimce C twice ausrc than is nit t atld 'Eherc assay be saint ssaasicee ml? M&I a C?u (mod mast be eves if we have a eaeived a stwp paynt±><t regarest Erma poti. v l not be r, fitable to you if we do not hem ystur stop payment mgttat under those dramrstaacm ltit is rletemsint that a Cossvet>icacc Check Should have b= psK but was nvy we ml( not be &bk fDr Oaf caac?tial, or kd&4 al if we ackd ns. good faith. Oar aAy obfigation vader those cmosumes wM lx to pap flu sated payee &C usmt of the Comvvc9dice Cheep sad cawed any charges &mused a8dut your Ac umm as a resttlr of arty wrongful failnare to kaw the Wit. 7. i;daa-e Tcrosfe€s - % Wray pc3nk you to tsagfer ba tom aad of ions t4 sheAco xer that yon on o&r exnnpasia or fia;tr isl iastttutiaa4 Mk& to the teens ad coatditiaw awlaw is offers we may stc in goa fram time b ti m. Balm Tranlewwill ttotlse Acwtmt aad be separatdytdkL.*d cantoatlly A statmmts as hhmce Tana despeas- tttgcnpaa the t trerypate &c Acowzt and be tteaW ass Purdhav, Cash Adam oramne oahee kind ofAdvam Was- .g. We tai m CwwS n wU any B hwe Tranda offtr we n* VwA& yeta *ft makrith drat eqhk for tic of yn on oaW be rdb*d on r err affigvm H quest a oa swwcat& Yoe may not seqatst Mao kr &at eatliz Amota crcetsf hs thtrl r We at osr appon, (:1 Past ?c mtinmBalascae Trntder reqursted to pour Am= stud t .an Ova pa; (hj port a pardon of the Bafaam Traaafar repeated mpM AmaW up 0 the t of cx& arfiablo wader the Ca At rtal or (c( rdwe to pass the cadre towns of die R fum Thw t mquestA L 'Over*sk Pmtedioa - This salon is part amf the Apm at only if have spa Wly: st pestad and have obtaind Ovadca8 Prototsiua tmkmg dr. AcwW vd a rksig aAw us. Baal &cdawg umm An Owdraft Prokcumt A4mKz allows as tss hx"fim Amamit hwh and ov dmfts an the "g ad dxcl* ammaL You av&mize w sx rattle Owsdmtt hvkdm A fmm the =as pra¢i&d is this Ago t Any Onsdr4ft R ea Adv&= wig pest sad bexmtad as sa Ads rl mvn on dre Aflc i An Ova hbwdm Advsaw wil be aaadt anb 0,0 Pa da and tv,?t be tmtaz is aww* a#(tr? s kcpFdko of qxd& artm+mrj ataycaeoe(ovetaftrxioa pares sasekr the Anawi am I The Acrosmt ree:sfs. opm for win per. ?. 1l?canemtliOnanat - refie4x t? cast efceodu. Year ecstat fi:tana drape €ot aiyy ? dye twat of atny?yrprsio?fic unfit finarat clat? {sottsetimes aef?sred tali sx ' mie:?' ttaw and oa ?iEE ata?o- >neat? {bj Advart?x ttaasaeisoq ? at?l (cJ nay other ftestfiatareid 6aasee clams, is some e? ? tae ha>et aA6ctviakd the t "da1Jr rate" as `?R-, `av? tl?lr bal;mcta as "ADd?;'aad M 1 t Rate- (a) Bator Vad Ale Sate ior'Pwdtasa',Pvotd ec Rak foe `Balascr Transfers', aadFaed a i Vasi Ne Rase f w "Cash Ad . ]lee ikt4 Periodic Rafthr kumsedoas pasi" w Ptvdasesr Atds;baces and 9da w Treaders is tgosi to IfWt y d itr o sg aam id image rAl?-- The andad Daay Pa" c Rate and anapan&g marred pavastW site ("AW) five wasactim post q to p w Amunt as BY&asec, Ativxm amd Salaars• Tr idw are hided rate: or vasWe arcs that may dmp tram tiimi to chic hmd-eya-danp to a puNsbcd index. R cm tdcr to yaw Card Curies to dew e WhOdIer your twit Fbvd err VvIdic. (h) If ya3ur ratc- 3s vAdg* ynamr Daily Paiodk Rot asd coampaudiaSAPR una unease or+dcv cease fma time to tic a cwd- irtg to d k mvmc& to oe &Yvw%of tk Wra, is dra hO& Piimic Sate puh. ea tlst%xiq Ste s" dm of die Midwest Man d1he WaNg radAaadis the last 90 days hd= the dat6ca wW& Ifit rag cynic dosed (is other worms, the "statmw dstr-? Any saaiabe rate a4ahiieat hued oa as Mdex dmW aS be effoetrse as of dte first day of dw cjuaest ahnd wal amp to the race aid u? Aeoriwa bAmw and tmaasa dart Savled todig vadAle rata, ? m dhaost a comparibk new index if die 7be Walf Sh-edlownd man td pub" a Prime Raft. { To detamtiae tU standard wthbk rats for bawcdws poste to dw Acwnt as Ford asa a W Badaaeaa Trusfix% we wffi acid mi itdat w mod ao you end cmiar to s Masgao. to dc*xmiae the ssaadasd vadablt race, for traarsacdsiis as Atlaaes, wt: wM add a 1 of 14M% to the hdi . Tiassactioas as Adt+aacts are sa Ned to a mWmmn Pedc& lata: of .f1SV% (aamorespoat" ANNUAL PEMCEl? a 9M T ciovy' as mss, Advwn and Balatsoe'Fmsfxrs at =*a to a owd astm My Pabc Bak of 4657% (on NU AL PER- CMAGE BATE 33.99% )idea to Cad Carrier for pour APR aam<i D2aj Peal & Rates ( for )uses, Admat; wA Padwac Tt is t? tydi ably to yraur AauanL A *,rat idj WE be clfa Vt as of the ? day of the atrreaft hAieg flat begins alter a dragc it the i anal vi?y to all ,new and caassin&a A bdum sedijact hsriae r rate. A? iaa?trac(x learners to iAela tsM m as ita cmor deatsaseis imam V . Rata . Apein do awmrmw of= `Ar eat Fiat", cad llj * Fl ddb' & Raft add APR ra sad Purdue, Ado: and Baiaace Trstts9tc bahmces roll imorx+taae frmn td?r ratesot tarp is cgawpmodand i s to a T&qomq Rate'. The mcg Batt wal take effixt acrd Da aersandoitasn ? Adam aadBabiaceIns ate as of the &a fdia wreabftggde in wam tine A u ao EveSt o ?. An A ssnt at fist ocsatrs vvhesever arr? oas of dte eizc m W {a) a Minimimt Paymod is tfrirty (3M days past do or a Ifiniuum Papsnmt is five {3) days past de c fu tltir woaad &Iewg the wane rntc 114 MMA permed, or (b) what. tlac Whinaaw Psyiacais past do as the rev* of 3 rawEd pspui 4 or ( if yeas eiaad 7a Qmdt [Amt two tines m tv d-at (12) coasxueFc monthL Ioor ? wif ecpire arm Adjerstsauat E?sr and tvtli be chaff to the 1kEieelueory Satz. To tleteaniae ttme T)dieqq?trr Bast for ? ? Transfers aadl4dauttx >;g}amacs, we ?? sadrl die Ltdctt sa a Hof 2?.99Y.. The >?atialsLe d?c'r:oe thzt applies to Purelarea, Balaau TiYitafers amt€ t.? Adva?s v,*iSiie tut ?? cane car- riei: 'lhe;1J?? ter uaavtstiuas lxmsting as lai,?$alaace 7rary>krs zeal Adva>su wt'B ? srtlilesr co a sn stwna Dally Pt:nadre rz of Od ? (aaar,?neBag A?JAL C?23I'ACE P? of Z3.9rJ'P-?. T? is no aim raid,. 'iht Def WM Bari vil1 rain iu eft tink iz dosatg date of d c 6th cmsetntive ling c e thatyw ??ccaurtt is not is do ulE Oo tie first day of the bi ft cycle UMM your 6th ?tsemtive cu reatcpde, die Ds arespasu?gAlit) for P?cita,l4dvslsceamd l3a[agce rartsfer tatla w17f deaeasv tea tacit sc[adar 11Fedodk Rate "ndcv taus (rue astya t arE the an tacit ar dresease to pour )? Paytaenty and art iactease ar dacna?: ur? gout Neer l4scoutrta? samtY an awd??ara?aai for altypermd of mne; mettsaydc ? tmrtu of fonr?ar, itvclud- iag APRs aced h aacastdaaoe die A?anemt. ? u?lik btvF Your with other zr as udkcted- h ymar Credit Bbre:r 6 may oleo cau a ciaage, h? ate ittctrane, bt?s? teat is added to bdea; an inasrse bees or a deataee is the CtedErl ins Futtxs rwtso ed ih g dwinaeaaed nm 1nay Tow gee ctalcredu profile, es?wescee, and p' ' the degt undo aay Cwt dmt !rave with A aad edit attamns of ffte aoaamt tusa? sad penrfs anl? m a+ of this clam in deice with tip lav gaucsaing Yoar Agcasrtcat detiad dsf V Astaatt Sa-t m taitst - t1? raladsEe pcauufie race ar °tnt£rest" 1I, bttuest Eaaacx Em du of the (fie ticappics j Lite (' Dpg,") lay tie Awe Unce nose tr mnkcb ooas) sr uoe and Ealaece '? rateg saubgect to inter at `Amoaaa to u l am dm adht Updsa dtc r bmm !'ran race reel. lib &Wmm tit kmr. Daily (`MrI xp?? Fu dwe; Advances and BaWn Treader C, . U get tie AN k e? . ? acid toyed= the n fuse attgogcs for tic b cyde a11d the nemh b' fix mg a of dm w* tyrler We d*omw & My bducra adt thy by b*6M bad of those Aocsa=,'a rd > F NW but Unpaid kkmn lid ? Ummace claim at?d aria tbRal sd?ieg app acs: enta>ari 71- yer cry apptiod IS- yore Jlmw+ut babnaors tluttday 1? add: Ptsrdsase, Advance ar?ala? to tie appsopsiate bags deo®e ss caa cue the hear of the dose or dic first day dd tie swat ar prrrod,?edbtlt m?x+arasPa?a?3,Adv6ruasa?d$alz$ae?ismt?e ?foct3?c eIA CIA iltee tdaie:Bt>ledbn#ttapaidAtfrat li ftesare b?e+Cashiialbatanaaucreti & ciao ace added iofltle l? fadaa?cif tie Acieitiitaa the date tl€e? acs diarscd to eke Accau? d btr? wo?id fia HaInwe Trusfas are added is tat Bab m Tmatk balam d tad: Amt oa the date the . are chi to tie A ouL In odta waw* b kd aad at pak iaaest, foes and duip vill be Waded in tic AvaW Do Ishms of the AWD=t teat awes leftist Oc `Amosmt Sdim to °') ad A xoi= dx smomt of uedii av&bk to F. ; Ca& inoemm dtargcs ace nit in dada! in the ADS c m for Pac3ams wA 16 fast M of the cy* Mwmg tie 4& Sc cledirm- manxpo is charged to the Ammit. 11ete ka ttlminaa CFI d $2A im my l 9dC, ie w*ki a fntsaee dwW is due. L Ogee Paind - Ym km a 20 m 25 day 9= perhd bX' Pisdrases {mduditogedoW Batowe TrawfCrs or Coav®1imoc {Aeclss teat still E atd sl, parrided Yea !soave paid vnrFlrevto > laaae h hit by tie Paymsat Ttae :6ewn o? Toar kgrmm b cir& to avoid adK ml fimm dwp as Pura mi, Yon most pay . N e?w?0e j8 faI6y Dad II?e sit on the ttn? of rna? Them* rs IIagrare 5I fat ira?aGtit flirt to tic Ad nxmtas A d> xs or BaCanx f J13 Are sttb a m mutest t pam the d3?C t? ? t$ t7IC ?CCOIBt# 8ailt t?C ? try ?e ? t? 13, fntroduc"xidP "Rater-Memagatan?opai- offis fucab3sittismeivuoductaryarpraaodd rates fur d m Ott of tie Fttrchax, Add or Baiaucx 3rattsfer Fa tk?Loooant: ik A tell. feu tic iatro6dary or OomathaaT rare alai dr paint of time dwbg wfd& it is iu Act in the oiix U*a an adder a O&MV * as i? ast pramo6adr i tau vtll Owly reatata to effecx tuaB tfic bstdaycsf the cgdCia striicb the kw&O Fy 0' ptt>tne airataes , fisdatt A is d €o dtt iransa aas, dx flu dCywnrAtr ewtt firs brcotues psi dsa< because a Mcbmin Papme is not nm+md is f sl on or b*m its Pgwwt Die Date &daft mst:ara vvks tie taco , (a2r) 99t9 the s, sA?:ct?sod tuea mt aabr eapDhaaaaamr?en edl x? i Rdoat t#ea,? yitia'b?x ccaadtusots ue?Iol hElreamd tird'xa? ' tiCs vAerfsoiaf?att ilE r?w? utd?d coAdfjanras°awurt? ; ?vea ? ,va act a fly #isat atatia arrlatdntdt, 14. Acwwit Fme Yov a ze m pay tic fuMmq A fms and finance tdia ? (a) lid wA.add s catrgc to the Adimn babso of dr Accom it tk shmnlidw. oa AocaantA. I& vill add a Rah= Transfer he MNANCE CURM tb tie Putrhase balance of yintr Account equal to 3% of the bal- ancu trams smnnffi ss*dca s nlata ad S3 and wtna>ie mm. (bl In adders to master; your A may be m& a ao a f mm ch js the fort of a hmxdria>€al Discotrat Tramuctioa Fee for eaci Pros &ml Mmunt you mccise dirrkg tln amg cycle, as o%Twd in my Pzmwt anal Disoatmto#lcr we emend CASH RR MOM I-RMEEACE OF, C A94 FEE bilNIMU-41 UL err 4%- $ $ ? CEqA%UM 4% AIM aMVEMrrcE GWX 3% OVERDRAW PROTEMON 3% S5 (r) Amnon M mbetship Re. Classic Se uvd Ord- Each yeaar;, the Accost. wl be mb?al* your payment in advance of ail altanal fee of W, whirl w1 ccopeente uas firrmaintaia'? and atarixiig ifit bar the faltowiirg ,jean [7assic Owdudmg Cola and Yamtg MAL Gdd asp! Per Card- W do sot a kefoe admi ttg or wmcM; the Aomatfar dw Faa# 12 o,=6 }}te?ur At?t oo??. Ifyoa at 1a tk[ in Aiumral Net itdar a to the Aasriitttt emi fbe Atn =[ Fee P1AiAI & C13 G9 w& t iA goy do sAt change at iast C}I is Aaaaal Net'A>rc6aact' to tfiz t4ara r aulm for i the next :arc w?a! of ft A be as to :dFaane of a $40 Amntrat Fx Ptadwn, or SMAna3 d he F iAt?i CHMA (emu: ad WL Amd NdINMhaaw" as cod to the" hr oncost of ] ues charged by it ca&mftr ? in AcMmr Yen Ins returais and c (wz h= r&r to your Card Ca dw to dew I y" WN moor aII Fee wconr* to these tcints, (d) Wwffl acid a Late PaymentFee w the Pause bahm of the A=nn t if Wriw F is natft- ,ed by die Payttita Doc Dame shove on t? m Accasnt Meat A V15 Late Pa tT?V he see oa Accut& balaasn up to x49.49. A $29 ea he wift he usewd oe Awn % bsdaires fin $100 up to $99999. A $39 Late PaywAa Fee tM be smoed on Aazlonrat balaacres of $1i0 orwom . (a') 'cite wtli uhf saO Fee afx35 tti due Patdrasar habuii t of the Aaswot if rx cxae i your Edit IiMk an oily &Y an cc bdm Amt yarn Swoat cede tile, e= rob ocws bust fiaaeoe 4"r.9 or Other Jew nit d oa dre ($ tie wi? add a RamdPapmrat Fee of $3S to Sc Pie balance of the Amwut if or Papua oat due Accamt is that k a nd or if we awst mtum it w yem became itctaaot be [w=:x& A do* flint ii m ursed u paM w9! be seat€ar. (g) We ttM add a Rett med Coweaieaa a Check flee of $35 to the Fw dnx ha4astce of the AowVA if yw ui 4te a CveviW' A, M Check thaw do wthomm under the try of this sg tt {sm' Coovtoknce Corks" and ')fig. and Stop Paymlut out C ct (mxkO aecoa slime Rt mom cktaiis} (h) VowA add a DupfixwDoe=tt do he of $5 to the Put1xxw babes of die Acmunt for tad MR of a a wath- [ rtatamm; sees arq; rdtmd Ap, or Adi=m sffp dw year rqitest. Tk= iviff bt no c h:W for da ati in to quests manikin u=nction vM s brig a vc none; if over svsegadw bfie ra a billing mm occw & We y a a $10 susiax in you Amount it a paymid is made ova-tic c d er dSfstgtE ow su?tiiat ed sysrtem t pmveased bya Oitmcr Saavkv R=pm C?atiasi af sa Am c1 a%t tinfl be via*' w Wit &c. "am o Art>itatitd. Pmts made t the ?'at nuns s US. affiFiatsd cur sat snot ant fax ef diaigr- WtvMa& aui Acww M=ammmiFie i IC:B (1Ma ad "per owiIr to the Farc6w bdai;m of dw A ulyot vdnft*daw rate A wih a tdaaae rxcw ed Aaaanunta are vat salbpau tka fO. {l€) Wk wM acid a SwaW Awwtat CWn Fee MUNCE Q- (M d W w thePw&w wmcc o€ym Accountif it is dosed my dwwifik two pa` s S CM the ACac+ottu iwo f mtoprncd. We will add a SmawcdAcowima Cut &lisih Qnge Fee FWANCE C RMMaf US tux tie Purchase bAnax of yam it'&m she aiwisrit of yur Cm& Li atsi tdcM to ? atilt fin& from the corwrpmKba Aaxvtitrt IS. Itism€aoee X90 -Caett fife insrrrasae a? a sabtlYtp iii sue t rirraf tti v6tasi aaa t Uym ate digWyou may puticipaft is a gooep erezfitcard iii wherh ve brave aitart A U per &-d iocam ceaeta nit tam aaaumr ape (at the t tts be at6dod the Putixd bndatre xs oftk dosing clime rte a baaed? tAQV l a fio ,Theft=ofgwi *3 ttbbee )ls, ttf? X71 be pccr?ahd is ?. X Caralit Limit - The AMOM C U& Liana is tltc taia?mtimu awoamt (if a:dt agadable and that >r may we under the AAcocaliitat ass time. You may not rwvestcw ahaa6 2J&km 'PwwhaMM AAw2nrrt K Tek2ArV p4tePt stns v L? r:E'Adiieaatie limita'sactiaoa strawe fzsriiaxee . about fwd oaCssh As)iu? Cash &iitivratear 6dvatroe asd tetee ttari?r ) IT. Psymcat -Yes toast win U.S. aibn vi& ddw& w dmilarpaymca iostrtstxw dtawri eat a fittsie+d inn located is the IJeitrd . lFe nag, ;tiousr action, rhooet to tttakc eau extgptiars stud acECpi a past eltares +rs a Enos Lbo Hop?tC &e j 1RIlrla stay etrdt es addtiotia! finance €srgea, fxs, and pub of yOUr doclt 1S. loam Amy p4wW - toaaA yw o ust at bast- the bfinkmm Payiticat and any Peat dew Miakmm ? I?4it'tnkunit tFa pay c N Bahnce taudlim orawi tlia )bu the A t 't'he R=Mk mmt Payment isequai to dre greater ofW er 3% of grwct regularNcwBah= rannd-4 to the next high- est dollar or the full mom of any regular 11-W Balance less. bras $10, unless you have a Colltge, Smucl or Y? AduhCxrd, in whkh case four Ba:v Irfmhut m F FI='PAt be ctd to fire trwer of $10 or 4% of ou Mlar Ncv Babb taneded to tine nm hitest dollar or the M rcrf oag regular New ia?e leas than $10. la addition w the Base lblwmmn , SCE may aim rergsirc pa ar of Armors of the rtem% as ice. M late, oVcifi* ar ww art Atca';;mae t feesy the interest fsnattce aM ( ifyow Amanntis om the (C dit 01 Revolve) link same or aA of the b dam amauet over your s UB Pa}vneator atlttrtioeal at rot ?eaclt stumtir net prepay ar klnrfin ? = or ytasr obOption w mak6 at beast a v m Fayrtatat by tiro Paj iwt D te. Mkimm chamir 19 Appkadoa - Wc will apply paymmW to Prwmad mal or a6sa tat iktut sate Pwdum, Advance awl Traasfa bat':smes below roc cep p aytnrats to hi trace . B iaoe eanmos ywr aabuEc or other paytrseat? within a sasanablc of tfms, ife ?y post as an Adv?sace ? the f+sll saoaaat of nay taedit prsviaara? 'vea aad ittttxaCurr this asrt from flan dale o#tbe uao. After a palvas trxa etade, lit tra?? to t?ih:sld aEVaiEab? ctcdtttie amount of t5e,paprocart far 7 btrseuess ?px Arty are?t amble before du payozrart is matte will c?ns*e to be aR.aBalale for use ciasng tires trRrt. 2D :P rrreatt [ - mag at eutup a, c taiamafly yats W.* Offa ID an to `All Im ah6gaima to wAk the mum p4yam frt. YOtt any matekip_pagatea#s rules: wt 7mn lQou may P uP m two GtJ b a?ecttr?c ? ?d? area y? talae adue of a strP papn?at I've afl? balaase of ? Amount 21. of addsass - 7faer ux?sEdy sa?aarats aced ns acs abc S?aauarr VA be sent re the WOM yon is a oana or n saa+re $s our A a tadon.Ta c parr LYC6 vast CIA = at -SOQ-343 3!€S emus tie idtao add US. c ITT onat Arno ' dOn t D.M. 63A hm m SA1 3352. rmst reaxive t ia> autrtu IS dept befarn lire dare a cpda do?a m ale ?aur Af Aatoount aattai?eat atynrr neew a Note If 3'? bate as ada Se v 45 days of the ext mfm damcif Cardmernbzr Servies 1- k12SS whh tl~ac to TOW OW Gtr Cm k 22. Aubxixd -Yom ar a? Acoomrt abli?$ mxy ask os tta Baas a Cord and oadxm 6e give Amomat mc= to a Caen auto tat nee the?t This pmm is called as `as aeittd *cr'. For to be rule fur all Aaaodta?f mactions tae by any MA au6ilbw *Wc You agrat aru b ' Card w anyaoe else or Alm oneat?rtb maudwdads?ertowedseAmumfLUym ?ratC ?at?xrma?cm odic hen as suborized you wig be Jabk for asy dmmgm suede &I peter, ? and is appyrcghle lave?as a Iy ar1dI3, ?Vm€ Carte and Act not ?ustcall ? 1 85 SAkmror?i>` ife at _MW tts atII,S Eantt Natrona! PO. Nm ail Fai I+1Il 581 vita anyr to cant! aced rtrtrave t6c Aaceamt authority asf ax authorized aiganr arty *&a pemm given Amw to the Accouat 23. Last at stolen Cad or Convenience, ( wdb - You mu3t notify ms cif your Csrd or Crrav a Cke& are lost or ssalm or them i8 posm* meAcr'iod we o(yow Card. Yon will not by fable &r rn Cd use of the Aumm Yam m uw ntA* U.S. Bask`Nadowl Amodstron ND by ukphnc at 14MM-8585, izwMffS at FO Bait 63A Fad ND 581254352. U tbbhapp 4 we t4? ask tau arrd all other pamm given Amu= aam to retrmt all Cards sad uavxl fin are t hxb to our Dgnrt t h next, ut leave the ri* to slow poor Amotm and open a new Account lfwe do my new Cards and Cdovaimm Chab will be issued far yotrr w w Aceumt 24. i1 ?.g Yca Card In A Fmip Ctraatsy - For VLSA Aeebaats - Yon nrayttse 1 Chit Card fix tetat p? atfasreigpt { tie Ltaitnd States} mace ami far cish wi Umvids bm kedge ATAfs dW bar either tfle PMU$ S or VEA lep& N yuw use ywir aaa at aaA111dtd? harts m tie PLUS ?? P h 1 ad wiI be c mvmtd'r#i t o U4 dtRAw at dc amba"':t? lift c ficit bane to fine, dw aprator mad shah on p?taf & xx k H)ar me Iout card at a 84G dmot rtr an AN tip bears by V!kgo {aM no MM IoN, tk chirge wM be t the VISA spatam as d wX be camveradib[1 Sy "&q to the a iad tines estaal ed Haim time to time. If inc your card at as M tint blears Ea 1E the anal Sian kvcs, d w ATM opera w wit deE m&e wht to seed ym amwAian am the VISA or PM Sysleoa rte *Lmk psaag snsdt n respective acwtsm r%W Am iadkm its u deasbMthat the ihers?aia?<l-rrem??m"on?il?oi'tfietri?esac?.ar __..__. --pa 6-,yart Ma t. _ Ibe MMU of your a in dollas if prncessad YEA (rmder hs amm *vs and s will be the - atarattbtofthc _tta?gtitaes ? a rats radby?lrorn thera?a? ofra?sa> im whsi:a?tle zaa?cg, meets fir iba neatr$1 alatr„ avfiidrr a iarag fro rite rageWU pelf MOdUa, of (4 the ia? ie e€?i fer tie ewe ?ta? laaceas? iA casdrsd'tl? ats?t+? iplscs tine (moo} tilrCa Ci?G dust amgnal: 'll 3 i fee A l tpr tSdtCSt E as fee'. ?e "hrdp fee.' atay be assmd in which dw merchant is locrttd m a COt aq a tip ttu Us,, even m tmmcdm tint do notr q&c cm=LT to be,anvmu& ForMamrCasd Asxomm .If you effect a trams vi* pour ittamuCad card in a cwwacy ad mr titan US. dollars, Iviaswrcu d hltematienat ktwsparafed willadw a the afarp im a US. dollar a mmat hluactrCvd adomal will uae is crmtrcp ax?aversrra= which is &dot+:d to imti im that 1%w ldastert atd caT& Cry the Cur. rency cunVecsmn rate tritd aati Card Itr= al to delet e & WWMrdn MnMt in U.& dams for wch trartsaa is g$nuaify citlur a gonremmaattsarrdargdra? or a whv1+ race alet?ined by litastzcCard Iatt:matiutiat e m wbu h the is ptaxssserl, increased by au a t faca?testabyrsised fman tiQ?e m for 11 timeb? fati?at.'llrecrrseacya?vztsaarrraurisoih??laat?Ia?rnuimairtntfiepreesessingdite toay r frtmt t? ram tlmr vaaald have luen used tm the `Pur?ase date os card?+??r stat?±ent pasrmg date: .lax klhtn CSztgea, 4nX wa, fxsancn?6}r amc oAcmmtt e;7Elr e?oae, t?etlur sod sepssy, fsr i?t amutmt a+ed on fire Aassunt 26. Tntaat ki Eve anise tt111 am the tcovri4 y ttpu eut ter as thatptin it and ad have tk rta?saiatable ablty m rcM +? Aoemux gatians. Ws tdi an this t ailttjata tYt1X titiaC 1 use the Aocatuac 27. bdatmq hp xmt as Fvli - If }imoaut want to saris a disag;caoxrrt uith us abtwt aq amount ytat owe by a cwt oawriiciyutt hertz via `Payer in Lam' orwiaafrt nmust satdusa xiitmatsp3a- astwonof w dw?wite ndsiwy stuba? tDU4 Bankbb ' AioddiomK% ROL Bow g33s, Rarga ND St 335sxunr °aec?wululaavfor?aptetsafeEau?.1%adimnis thatrth aft= vans rise make Acoanatt stiag " payaneat to full' or imlar an tie dvA wit riot be ooto to rt oo ne tfit dis?e Mvx , T, s cult a pgmmd rnsntrassot ?mmW shill it Nr flit yw sadto an ad&= aitircr dm & am p o daaiia Otis section ss the Salinas at w j&i lV no m Oymake paymea1, we w3 natlave tvaivc *ur shit to ail ant aagrtmsittietg art err 1 awe wrs waada tfis term of the Aaanm A Defi dt-TouanddeAazmwwill:irtddaukifi a) I'm do"mskc:die Whimum Fay ant by the Paymcrit Due Dai£ dsdmd owe tht mood* Ammt Wit, b) you rime my agar prwWma of d is Aipee m aq c) Yon &c waltoattt sm *ft Joke Amm a grist; d) you bummm iosotia 4 a sdp anyprop ray m you crccGtata, are go into bmv-T or r=ivers * e) You tisve faun *A mscats stkcring the ofrpTmi n or maita of yeatr Acwunt; 0 you go ow!Er ismr Ctc& I.Sititl 29. 30. It. 31 gl we bane nay remom. tar tvlitve cleartficAmW u is &mW of or is being and k fro h) goat are ammm*mi Commumt} pwipty saw sidmt and pcm or v e toivt a v dam Wmintiaae wtim of this Agtcrmarfin }your spat, or goo s sadi6a obl4wom wider this d f °m iticeeases the fit that yvu ??i hart In up tar Ulgt Purchrnv - The Catdmot not be used fw mg ailWtd pvrp m ; via as *M ft SIT a€oeartt tiE a $et up to attlise pnft. You is= fiat prat lml sot we or Imo virj permit auk to use d w CO or Amunt far orb #nt 4 Mid W&K Mika k inv. Omw ski fr of dds Acaaeo4 i oveeaiag Low- Yaw Cad and trn mho scam deg ins fiat we setpfdy #a pau sue oai e?q >? tae ir?ediat? tetaimierl to vs tit awtt aimed agsntor a?hwarweite atesttayod ar ?d as we its sA?AQWA9t4=6a ywat in nand frmm tieotc d N&& DatolyWv&n adwhatym si& or;* der AcomL Tlds A is gaaves?l a Davila iav anol, tar the ma tnomm g is i> ong vvotw tic or same ra putecom by of t ie irnad con!' of taw *. " Ofthe sto rvisece ?a yt? ortaw fix =s tli mrars Ica lawsait a A 1 f tfaa sec r; foIIoataat ss U S ldatianat tt T?. 4 on ? fix Aai? -We teat a2? aB ? ?agp?aE t? ar tiiac wwdt? ate ?i'J? tat wwzi+rritg:• `` e itra cite awe afaal ata ctt?e t sm se ell try l+iath? aid law k - chit d ?mc oWar the Acasnst as of the tzrilrs ?7{ tg is aft tv asud pant baduroes ward a ? ynu of vt wfatc t ie fire ataticc err atittwrke bi aide }va do aaa wast.to aaxxptdie , p`m mwtst m wlth ieritaw >ottiee apt tint taitsts?>n iltd t 3ia in Tam amitx no kta tttm. 25 . a? dne dale of tt?_.. _ . - ?.t}is acs ?i c? i?Cae?nt mad i!arr?}? to: ?a..pa? t]? aatsr Anti _ in f?! iE t et! imp tt?t ref gaur a Ate Ymt x*l htrre att sir .. if 64 A?tiswoad iWtk cdffkcddim dare of die %mn4 urea if 2S dsys has tmteapscdafwea ang srncggs date. Ali acctiinat t are gnwat hY tl?e (Sxd"rtA8 shut wits the card. AoEetaiit acid ?ttws?ns ansiad fairs puiad aftiaie; afl trsiss, incltwdiaage APRs and fa es, tnaytinacrasr= died Bath the Agreeaimt and apfAanbit lam Came Lidos ad' ym Acoowa - Wt toay Cancer yaws but or st Vmd A&y to obtain. A=nt at& iaaaaiat & ael? vritbout:edcs, if tirtAammt is in Mmtek. Pwetw ifym are trot iii z ula tt tAcco ut bvproi f g antics m yoir.3(aataaagg ra>tt peer ltocaiiat trp us tsy srirptoo at 545M or is v arPO. Nos b332, P 2+ID SA12S-b33Z IF p )exFe a Aenoweni, ycmr reheat mint be iiat& in v<citiag acid tiasilttil m Pf1 t 3i3, Fatga l?ID 5&125-b eT fad ea 7U146f 3+fid. If ti>is is a€ jaiw Arch we will honer a rogaatst bl eit)?er w>f rymr m eanoei fist Aacaarxr? fire A ocotiait is eancckd, jai wM not be Ak trr obWa sdrkt ooA Acavmitcted's. the Acoamtt ix cancer tfiz Acmnar taay erati a taw receive taxaarting ckuges fvr s such as WW- ess sat oas tastd p' a?aat#act afld caatcel dzlivety with t[it camnpanp pravidiitg the imm. Afar the Acw amt is caaxlfcd, A amowts outstaadan oa the Accont wll be imme&rely due red payabk without notice of dmaad fmm its. You must cut al[ Cards rind Connakm i=s la lalf aad tcurn tam to ut. H yon do notpay tic amou f yos owe ander this Agrccmcnt, ytrs wi71 be bath h c our cogxd on cosh inch Aug our casonahk attoraq tines andaa es. df kgsi attiams, to rite e7CtEaF Fettaitted by apps law. n Aseigarneat of your Aetonau to aesdter Qedtor - Ve may SM-M A or transfer your Accomat and amecmts owed by YOU taanatl>zrCrC& r Z's-xy &M Ifwe dD, this ASaementc still be i s Act amnia aid sail smm&-d, and sayrd txtrrcus maale in this Agrtx> nth' '", . `arm Or "thtt DW wit RM Air the at&M towhkk ire d, said or ttao tred the Ara ant. or *=no; o nd uadra• the Araeaan You tray sat dykgatc your otnbgaoiaars aad aespMi bW= to as to any ddrd party without Our arpress written caaismt Cn1 etA asst Wamudt Alm ym - You ate U to sake sal crafts, ertooyr maand isvc4010M ids sc kd air appropriate related to glvetgyou actEt or colwdq aannam4 awed on yaw Ar WAL Yak the a con- go mer a? t re cut te?ap be squtaFod pedD& t fra?m and or tn4ttY cOtsrmaer (a as M. ssil s tadth yrstr ap?ea?aoi asd adp tcptlate, sgtesval or es?a>s<an od? pcnvide i$ yosr Arxxatmros yOSrtxrd?itbtstoryta to?rate}ootting agaroeia aad other: slia mag proprrip atcaitt: that 35. Ctxdabuv= tlispstaa If you bcka we i®s ly reporwd etc&k%wq fidxm9ian abort or doe Acco" to ? ? ,M r lost, iat o Bank Nadimal nss?; Ta c t 36. plWp ad ? of Atxetst istionmAico - You v A mom a of off Rir?*MV who you q= . g?r?g?rt aad at ttttaG arutualEyvr?le3m ccah oar carwn= I& lup nVkx of am to laaalF affixes ssbtE pest iE ar our v? sire Chs ?a Ffta? t hoar we srrd uss . #ial fi adal ad otlux iafomudm arbioutya sad in WW Vc sun ilk t AM sou v id rombal of our corporate body tad *M ttna®iamd tJiindpartiss, l?Ptivacf?8gc alaa 1? t li (4 Goat the ways we dtare stain }cads G(is oun da about you aatd M ream camidaw to the: we unint8about you. 37 RcMd ib Ronor Transacti€nn - 'ic Bak an4 its U are M VMPMVIAD I anyo" rdwea to honor yata Card or a C,amcnieace (bedr, or if aARdivion firs trsass is not gives Al you may have aodit mflAts vader the bums; im be uWbls to a at& far a pardardar uvuscarar. Mmu" of ?a caioaa yott males in we clay =a be and the limit per day vat Thcao rtaotimams nc fta sasiity rtxsans. Aml AS a to* in canaote ama do &U& of how thissym If yr Amaw a aver fimitorof aak for uaniim may. be dodi w& I are art AV pttuc6a?ed with your Card as a vetiaocre Cheek escgept ma by lam ( x `Yogi RWW mcdod beltrw far time el:ttaahs Yousust axon pA ym pssrhased with the: Card at Amommt to the and not to am A Thud party offm - Pratt time to dot, hard partee may pmt you with bmeW not rchted to the erosion of Acooanr at&. We ate tat We for dm features, slarvias and esrhstocomms,? are the sak resps> q*of the shad pally pmbvidm Tbc Beak andlor a ? paw m? add, change or &W thee; buieft tsttne aotim or- Gs Oo-yda? to *O CMMt perm bp. Lav. You sgtx AD hard a kanim kom any Harms, ar?i M'or . damages t hom )? ua cif i t9nese ftatta?, s of cohascemcats, AM perm by a bfe (W .39. T&phoatc atovAociag- Frost time to nett:, we rasp wonivor b*phsme cats yam mdm tD rta or out agcats. 41L US court df=F jurisdlttiot ids arty pm o(thas ?cqi or woofarmatollE, the g?th,ea?lt is as writua air any ar ? portiati ? midn ?e appfic" law or, if se tp, voWL 4L ?sxst - Phis vtattuar of the Agiceasrst tephwea oily prev vctaans of the lie Age, as by say drags it tuts we ntsy JAW firm rims to risk it rtWOO& a Wa bk kA ? the baWiCA t duo subj cr raw" a tleAgrUM L P *WdRdOM ar n Tot and to troy 41 %iw-WvdDB%e ' span dffin ?tbeA aters ypb lawthea efaAtauatraseerddaycx i dxne g ri .Onr or elm to any rte cc r we hays st7m cues w awn that w wows that U., ratios.- gY rte as Acootrtti ftmoi us sitd sew u p6mg this fit; yr agree that if a tGspm of ay lkd arises out of teas Ay cat, t ith you o or cos choose to bave drat e> am txso wd by >iiiufiug ?. If at rsdton isdao i y aaypat% vdtfiq you nor we will have the tightta thatda?. m cco to r to hour a trial sort tJiattdaitt, to tsrg?c m ptasarlncraotaa s rg, er¢ept a3 . far is e , Fs AMA yatc vM atotltare the ' to as art:?'? or moba ofartg doss of elai is to m din sa?Ct to- ?, a d wiR smnk be real and bi , Oda drat gut v dybmve if yea weft to cow ttaay"am he avaNAk is arbhi6 m, his krtpmtmt tha you read the cadre Ar6'tratirat hvvrsiaar cafd&y bdwa aoceptn g the tctus of this Amt Aap di.. pw to scuttttor$rsy fixbt in eontraEt, reVtlat , ton, or odw wise, vbciber trt>Eistieg, pmt or irturc 2.6 cc..... >icxial, t?ttrtosy, tom l tog, intzaflaaal tort and rquitabie elai amlog ft? or ttht r?ag m ? tine t outg or dd to ? (b) the at.ura of you, as or d*d parties or (e) the va of ties arbnrsuan pmo Woa (mdivI x a `f 'y nwst, iftcr an detain Nrgrsu yr w, be mobcd dry bind iag arbtl D is aacar&M VAh this arbitration prtriraon tad the dal Arrioitrsdon Rt&t of the American Aifiitrstion Asseci eii {` "? is effect when die CWh is fi'trd (or, in ik cvm ibis arWnattor or them arbitration tales arz no loaga tvaila a cwparabk a dnfitite uNtmdw Facedac wSor aiatra&n orpukatsvn that doca inaitressoa a tiltiou bot6tnsis} Thew shall be no autfiiwitp form CW= tea be arNtiated on a d= action basis. Aii arbitts6a teamoalpdeade oar or your Oaan andmgid cmd ft tsrjoin the cWw of other pramuswho upy We mar dims. Y& my obtain ndrs asd_ fos by caft the AAA at M7X- Any ?€6itratcion ?that you aid tam ce is the federal' dint viluce ova ies?. Atp? rrrgaest, we advance theytl;LS9 of 9 Mg and pu9 for aiiy ?may& a us; the arlaitrawr Will vabctba» or yoaa WA 4ldMqdY qty EhDZ fe& `Due UMtratot spa V41r= ?stae tin !aw rn r tit t l asd traturst of uof ei l for dares WW at bra jjudgmtatupea the zwad &AArsw raay be cured ig sag court having jurisdiCxraa. US AA*ratioa sia shall surer of ca"livrt of acdt ad tmdawm of lietvkart This aditradm pra*s+aion."fe gov ? Of Aftradws Act 9 iT,S?C, S3 I t mmo 16 44. H you are an hzcudye OMw of U.S. Ilnmfh of any of its bank aims, tk Link reserves The d0a tD de uld Ta eee of ]vur to us <m dita Gar diesabea AgrocaieIt t; YMSPU atus a secs issE is mume Soc tpS l?oaust hto des€>i#zdiutheSe i9 a?guodwpartof our5e d Tltie e1NiF? Whi* 3q?7?i ,,„" hO?Ee, a? ?teSt iFd 6p t?C ?Sitf y9?4 iIItans. no A'figan to a em i i vv_ l+c ppa? ,,1 Ammo is Ada lx e AM is you M. I ffbierck ffi ? a?d't?rtbaa has ?D i0 (bt ape ?waftt for ""?Y ?M?eE fop ilt tirG aIl ac as pordw of dre Swm-lySqv= A t FQ. =t t5ia ?luot Ow ita 1SiZEl9C'- a tO;[311C?f? lit?'f -ate i 3Ll[ 1?4 GOA,F1?16 f? t t IYQ? d s ycw 81ar daft vni vi. lF Saud Abc is it[ k ? WE ft34?: sll8?¢a ytfreti ttt a.?., ,i cxofy sea gsaa sec tntlu<a balanx aaeaj e cawntaid TS. axone earl paw 10A Tea art a aac?at;a t ci die Coda xr aq #w vvh it If yov ddwk wo vvA have 6a 1* 62 *OvM aag of tw.gaoda haae Mtke fiat paid brt +oi?.appGr ad YM P IM gm a ? - nvft u w the filixii iMaintti,oti wbuso am appeaas oa d a so is cat m ita ' . ?.a c al?Z- da ds iii"he socurcA by shat to the CaU lhi. ? caffy a, fit ?aagat serer y hi sn}? t ? that you rate! g issued in rya with s i'eo& oar M or gtLer spin fora 18 Ile#fee llie vvh Y9at eve earogtd b!' ?a ? •' ..Year aiip€oyd er tpo ciag t tbie i ?t btEiecptiees Catporateon, ?. s€warAle Ftaaix #a yo+t st a vewlt afyour? ce€tant st+mduda ? uQCler ? program. nae fbiets v? 6c dxi?d irttf+ dogats, to p'aT for dour cad ?iard '?nasactituis aee as ad ba?ee traa?ecs, cash ? ehatgcs asd.l ®r tbd:aata?ast chat saes it#i ?r she A shfefieseyr fig: b order fic ors award Ce to l? ? ? Est WMEMA • A?2 TO i rANY N KEWfAU . WMNATION ORCCOSWGOfYOUR ACCOM . AMID Its cbca? to with t p m4Hmta fdraeg aie a Lf 7'raadopu os apaesoring L? i a mnefr?rrc its t r card io or serf= * IM *Otataixc poittta toward tbrisc WOUCUM to fOr detailed Ou tctt d p esmi nd m date, Iw aim viU beconvzrad mdq aaobF ceded Fwam to an 17.5„ Bak 1rat ±cnt? card, therefore from Ivor aapfoya or bw a imcard y?rr aoe-0amta &Clam YOUR. BUJANG RIGHT'S KEEL'' THIS NOTICE FOR FUTURE USE This is ml -taut information about your ruts and our responsibilities under the Fair Credit Billing Act. Notify Us is Case of Errors or Questions About Your Bill if you think your bill is wrong or if you need more inforsrnariori about an item or rransac- rion on ourmond* bdlsu statement; YOU MUST WRITE TO US ON A 'SEPARATE SHEET . PAPER. AND rr TO: U.S. Bank National Association ND P.O. Box 6335, l asga ND 58125-6335 Write to us as soon as possible. We mast hear from you no later than 60 days after we sett y the &A bill *hcrc the error or problem appeared. You can telephone us, but doing so 1,17, not preserve your Iegal rights under the & Credit Bilking Act. In your letti<; include the following information- 1) Your -name and Account number; 2) the dollar amount of the suspected error; 3) 'the date the tr action owttrred (if possible); and 4) describe the error, and a lain, if you can, why you believe there is an error. If you treed more informatiornfescribe the -tuna you are not sure about. If you have a"ta fiorized us to pay your credit card bill automatically from your savM-V 'or ai"i account, you can stop the payment on any amount you believe is wrong. To stop the paymen your leme r must reach us three business days before the automatic payanent is sc to occur. Your Rights and Our Responslbi des After We Receive Written Ncttiee must gsintowkdge your letter within 30 days, unless we have corrected the error by then. WiiM&90 days, we must either correct the error or caplania wiry we believe the state- ment was correct After eve receive your letter, we cannot try to collect any amour t you questioned or report your Amount as deliaxluernt, We can contuuie to bill you for the arnautat you questioned, including: finance diarges, and we can apply any unpaid mount a artist your.CreditLlmit. You do not have to pay an c nestioned amount while we arc investagaang, but you are stilt obligated to pay the parts of your Amount that am not stn question. If we field thit are rude a misiake' on your bills you will -lilt have to pay arty finanice char,?es related to the questioned ainount. If voe dud not make a misukc, you may have to pay [nuance diarges a rid you wilt have to make up any missed payments on the questioned amount In tither case, we will send you a statement of the amount you owe and the date that it is die. if you fail to pay thie'amourif that we think you owe, we may repo. it you as delinquent. Howeve;- if 'ou ex0anatiori does not satisfy you and you write to us witlniai teen days telling us that you still refuse to pap, we must tell anyone we report you to that you have a quesdvn about your bill. And, we roust tell you the name of anyone we reported you to, We must teft -Anyone we report you to that the matter has been settled behvten us when it m3ally is. if we don't faow these rules, we cannot collect the first $50,00 of the qutstionied a pgl!p ± .._eVen.-?otn•-bili u?s?rr4ct: _ . . Special Rules for Credit Card Purchases if you have a problem with the quality of property or services that you purchased with pyaorer credit card, acrd you. have tried in good -faith to correct the problem with the Merchant, you may have the. right not tzn ppaay it?e rvemairniitg amount due on the property or services. There are two lirtnitatiorzs on ttnis right and both meat apply: 1) You must have made the purchase in your home state o; if not within your borne state within 100 miles of your current mailing address; and 2) The purchase price musr have been more than $5-0. The condidorts do not apply if we own or operate the merchann or if vie mailed you the adverdsemrnt for the property or services. SPECIAL RULES POR CRMIT CARD PURCHASES DO NOT APPLY TO PURCHASES MADE WrM t OMENUN'CE CHECKS OR BALANCE TR A.N'SFER CHECKS. t 2naoo U.S.-Bank National Assocjation N-D For, ::. U.5: Bank National, A.wo,ciaticon NI) Fr nts Rd.. Box 790408 Sr. Louis, mo 63179-0408 +G U.S. Bancorp card S Inquiries es P.O. Box 6352 ?' Inc: FaZVO, ND .38125 6352 1-B?OwZB? X583 ?n ®2Qas iI S. $attk N.'j, MI A-sacistiort M EXHIBIT B ?l a uo?l 1I' HARLEY-DAVIDSON" HIGH PERFORAMNCE VISA May Statement for activity from Apr. 12, 2005 through May 11, 2005 Inquiries: 1.800.698-2281 STEPHANIE K SPOTTS 8NK 23006 Page 1 of 2 47 kiOStfIi: t , RIP. . Activity Summary Credit and Payment Information Previous Balance ................................. 4,127.06 Credit Line ,.................................................. 8000.00 Payments and Credits ......................... 4127.06 Available Credit........................................... nt Month) rr t D Mi i P C 7;488.71 $46 00 Purchases, Advances & Other Debits ... aymen ue ( u e n mum 464.68 e Past D P ent D e i 61 Mi 46 . $0 00 FINANCE CHARGES ......................... B ) ........... ( u n mum aym u 5 . ment Due 29 Total New Minimum Pa $511 . $4600 alance ....................................... New .......... y . Payment Due Date .................................... Jun. 05, 2005 To red" or avokt paying additional finance charges on your purchaso balance, pay tho total now balance, of $611.29 by 06AW6. Any cash balance or balance transfer balance will continue to accrue daNy interest until the date your payment is received. y pH q ,y 5 vi?ia m go 1"I'll j gyp. W' . 110TIN g., i u Payments 05/09 05/09 0134 PAYMENT THANK YOU ..................................................... 4,127.06 CR and Credits Purchases, 04/19 04/16 1944 MACARONI GR32700003277 HARRISBURG PA.......... 52.33 Advances, Debits 0420 04/18 0447 TURKEY-HILL #0236 MECHANICSBURG PA .............. 11.36 0422 0420 0070 AMOCO OIL 06955629 MECHANICSBURG PA............ 31.92 0425 0424 0861 DENNIS KIRK 800-328-9280 MN ............................ 68.97 0426 0424 2113 PERKINS 02390 09123902 LEMOYNE PA .................. 19.10 0427 0425 9194 TURKEY-HILL#0236 MECHANICSBURG -PA .............. 10.78 0429 0427 5658 TURKEY-HILL #0236 MECHANICSBURG PA .............. 13.80 05102 0429 1970 EXXONMOBIL18 09988742 MECHANIC PA ............... 7.87 05102 04/30 7208 TURKEY-HILL #0236 MECHANICSBURG PA .............. 9.93 05102 04x30 0153 HILLSIDECAFE ETTERS PA .............................. 73.50 05103 05101 6612 TURKEY-HILL #0236 MECHANICSBURG PA .............. 7.99 05104 05/03 0153 PIZZA TOWN USA MECHANICSBURG PA ............... 8.10 05104 05103 6156 BOSCOV'S #012 CAMP HILL PA ........................... 70.11 05105 05/03 3799 TURKEY-HILL #0236 MECHANICSBURG PA .............. 8.90 05106 05/04 3295 TURKEY-HILL #0236 MECHANICSBURG PA .............. 10.40 05106 LATE FEE - PAYMENT DUE ON 05/06 ............................. 35.00 05109 05/08 5149 TURKEY-HILL#0236 MECHANICSBURG PA .............. 17.37 05/09 05/06 0168 PIZZA TOWN USA MECHANICSBURG PA ............... 7.25 Finance Charges 05111 "'FINANCE CHARGE'"-INTEREST .................................. 46.61 0ontinued on Next Page DUPLICATE REPRINTED STATEMENT Please do" and send coupon with payment bank,,,, 40061389200220470000046000000511293 ?rtY.sars ca,. Your Account Number: 4006 1389 2002 2047 Total New Balance; $511.29 AI/nknum Paynront Due: $46.00 To change your address or for A4Yn?oaf fJuo DuiN t:rlttlmpuf111ZI PlAyrltldfl: cardmember servioe please =It: 1-800-699.2281 Every Hourt Every Days Jun. 05, 2005 u 00006674 Please make, shock payable to: U.S. Bank STEPHANIE K SPOTTS U.S. Bank 1110 RIDGE DR MECHANICSBURG PA 17055-4483 P.O. Box 790408 lurlllnrlllnnlrlnlrlnlnlrlullnlurllnullllrrnrlill St Louis, MO 63179-0408 PLEASE DO NOT FOLD THIS COUPON. Please make sure U.8. Bank shows in the window. ryoftkmy HARIEY-DAVIDISON® ® HIGH PERFORMANCE VISA` Meg Statement for activity from Apr. 12, 2005 through May 11, 2005 STEPHANIE K SPOTTS Inquiries: 1.800.599-2281 P f 2 2 o age 1?9N N ? ?I? W .. t 1 N : w f :! n m A9tN iu .I. BALANCE TRANSFER $0.00 $0.00 0.039462'X. VARIABLE $0.00 14.40% 0.00% N PURCHASES $511.29 $3,938.59 0.039452% VARIABLE $46.61 14.40% 14.40% Y ADVANCES $0.00 $0.00 0.042191% VARIABLE $0.00 16.40% 0.00% N 1, p R Your Preferred Dealer is: APPALACHIAN H-D /APPALACHIAN BUELL 24 E MAIN ST PO BOX 237 NEW KINGSTOWN, PA 17072 Points Available Last Statement .......................................................... 3,645 Redemption Activity .............................................................................. 0 Points Activity Standard Points ............................................... ......................................................... 430 Points Activity Sub-total ...... 430 Points Available ...................................................................................... 4,075 E Wis. Harley-Davison Genuine Rewards points cannot be redeemed for accounts that are in default, past due or closed. 10 To ta?'IIt't Ir??ill.`Itt.?.... .. . By Telephone: Send Inquiries to: Send Payments to: Your Account Every Hourl Every Dayl Cardmember Service U.S. Bank Online: Voice: 1-800.899.2281 P.O. Box 6339 P.O. Box 790408 h-dvismoorn TDD: 1.800.848.2680 Fargo, ND 681266339 81 Louis, MO 63179-0408 Fax: 1.866.640-2016 End of 8tatrment , , ry. ' , i ; , HARLEY-DAVIDSON" HIGH PERFORMANCE VISA June Statement for activity from May 12, 2005 through Jun. 13, 2005 Inquiries: 1-800-699-2281 STEPHANIE K SPOTTS 5NK 234806 Page 1 of 2 ACCOUnt: 400.13 T t;1 ;fJpit ,+it 9 t Activity Summary Credit and Payment Information Previous Balance ................................. redits ......................... Payments and Credits....-.* $511.29 $46.00 Credit Line................................................... Available Credit.......................... ............ 8,000.00 6,661.55 Purchases, Advances & Other Debits FINANCE CHARGES ......................... $859.90 $13.26 Minimum Payment Due (Current Month)... Minimum Payment Due (Past Due) ........... $27.00 10.00 l 338A5 $1 Total Now Minimum Payment Due.......... 7.00 $ ance ....................................... New Ba , Payment Due Date .................................... Ju l. 08, 2005 To reduce or avoid paying addiflonal finance charges on your purohase balance, pay the total new balance of $1,338.45 by 07108N5. Any cash balance or balance transfer balance will con Nn us to accrue dally Interest until the date your payment is rooe(ved. - UE'T10 i f Qan ns?re N11r t7e,km.of Trstuorron Ampynr l 01$ [i11r1$$13t : Payments 06/03 06103 0209 PAYMENT THANK YOU..... .............................. 46.00 CR and Credits 05/12 Purchases 05/10 4498 TURKEY-HILL 80236 MECHANICSBURG PA .............. 5.71 , Debits 05/13 Advances 05/11 6109 TURKEY-HILL #0236 MECHANICSBURG PA .............. 16.44 , 05116 05/14 0026 COSMOPOLITAN HOME PHILADELPHIA PA ............. 160.50 05116 05/14 0380 THE COUCH TOMATO C PHILADELPHIA PA .............. 19.94 05/16 05114 2483 THOMAS PHILADELPHIA PA ............................. 26.47 05116 05/14 0419 TURKEY-HILL#0236 MECHANICSBURG PA .............. 8.18 05116 05113 0583 TURKEY-HILL #0236 MECHANICSBURG PA .............. 7.95 05116 05/14 9798 FURLONG'S PET SUPPLY PHILADELPHIA PA ............. 19.06 05116 05113 3599 RUTTER'S FARM STRE #54 YORK PA .................... 7.84 05116 05/13 0102 PIZZA TOWN USA MECHANICSBURG PA ............... 11.27 05/17 05/15 2839 OUIZNO'S#4116 MECHANICSBURG PA .................. 21.23 05/18 05/16 1302 EXXONMOBIL18 09988742 MECHANIC PA ............... 11.00 05119 05/18 0073 PIZZA TOWN USA MECHANICSBURG PA ............... 8.76 05119 05117 2036 EXXONMOBIL18 09988742 MECHANIC PA ............... 10.96 05/23 0520 0019 EXXONMOBIL18 09988742 MECHANIC PA ............... 6.36 0583 05/19 3584 EXXONMOBIL18 09988742 MECHANIC PA ............... 8.30 0525 0523 8406 TURKEY-HILL#0236 MECHANICSBURG PA .............. 7.49 0525 05/23 5833 EXXONMOBILI8 09988742 MECHANIC PA ............... 7.37 05127 0525 6821 EXXONMOSIL18 09988742 MECHANIC PA ............... 11.42 051'31 0529 7260 TURKEY-HILL #0236 MECHANICSBURG PA .............. 8.39 05131 0527 5323 TURKEY-HILL #0236 MECHANICSBURG PA .............. 14.35 05131 0526 0168 CAMP HILL ANIMAL HOSPI CAMP HILL PA ................. 104.00 05131 0526 7224 EXXONMOBIL18 09988742 MECHANIC PA... ........ ... 5.70 Continued on Next Page DUPLICATE REPRINTED STATEMENT Please detach and send coupon wlfh payment. 40061389200220470000027000001338459 Your Account Number: 4006 1389 2002 2047 T FtsSnrSadoeQra?ren?d? To change your address or for Cardmembsr Service please call: 1.800.699.2281 Every Hour! Every Dayl 00004028 Total New Balance: $1,338.45 Minknum Payment Due: $27.00 Jul. 08, 2005 Please make check payable to: STEPHANIE K SPOTTS U.S. Bank 1110 RIDGE DR P.O. Box 790408 MECHANICSBURG PA 17055-4483 St. Louis, MO 63179-0408 (rrrlll?rrlllri?rlrlrrlrlulrrlrlr?ll?rlrrrllrrrrllllunrl,Il Irllnrrllrrulll?rrllrlrrllrnrlrrlllnrlrrl,llr?rlrrlrrlull ' 'W IV .I IV H PERFORMANCE VISA it. June Statement for activity from May 12, 2005 through Jun. 13, 2005 Inquiries: 1.800.699.2281 STEPHANIE K SPOTTS Page 2 of 2 Trs?latgtlt?r# "? 1!Isurs l?afi '/,MM. i?t IYbr e+pl.t'tsaa?atlgn Amaunt: 06101 05131 0090 PIZZA TOWN USA MECHANICSBURG PA ............... 9.53 06/02 06/01 4466 B.C. RIVERS AUTOMOTI MECHANICSBURG PA.......... 21.18 06/03 06/02 0122 PIZZA TOWN USA MECHANICSBURG PA ............... 6.51 06/03 06/01 8130 TURKEY-HILL 40236 MECHANICSBURG PA .............. 11.14 06/06 06/03 9719 BJ WHOLESALE #0025 WOX HARRISBURG PA.......... 63.76 06/06 06/03 2554 EXXONMOBILI8 09988742 MECHANIC PA ............... 10.34 06106 06/04 3900 BON-TON-CAMP-HILL #003 CAMP HILL PA ................. 122.78 06/06 06/03 5816 TURKEY-HILL #0236 MECHANICSBURG PA.............. 11.32 06/07 06105 2073 BOB-EVANS-REST #0212 MECHANICSBURG PA ........ 10.22 06/08 06/06 8560 TURKEY-HILL #0236 MECHANICSBURG PA .............. 15.68 06/08 06/04 0020 CRACKER BARREL #550 MECHANICSBURG PA........ 22.78 06/09 06/06 0093 PIZZA TOWN USA MECHANICSBURG PA ............... 6.51 06/09 06/07 4234 EXXONMOBILIB 09988742 MECHANIC PA ............... 3.79 06/10 06/08 2649 TURKEY-HILL 00236 MECHANICSBURG PA .............. 9.01 06/13 06/10 6705 EXXONMOBILI8 09988742 MECHANIC PA ............... 3.68 06113 06/08 0147 PIZZA TOWN USA MECHANICSBURG PA ............... 8.13 06113 06110 5920 TURKEY-HILL#0236 MECHANICSBURG PA .............. 8.97 06113 06110 6001 TURKEY-HILL #0236 MECHANICSBURG PA .............. 5.88 Finance Charges 06/13 "'FINANCE CHARGE""INTEREST ................................. 13.26 FIR = 0 ]IAI i Ia. 5i .nla-wni9M iM_ a' ({y? I I ? rN'Q Y7Fi?' M -. f i. ' h?liS.v i. !4• .__. ... na-.: ..... ? rec..... BALANCE TRANSFER $0 .00 $0.00 0.039462% VARIABLE $0.00 14.40% 0.00% N PURCHASES $1,338 .45 $1,019.03 0.039452% VARIABLE $13.26 14.40% 14.40% Y ADVANCES $0 .00 $0.00 0.042191% VARIABLE $0.00 15.40% 0.00% N H tlCts?? ttll is t'1t11` l a 0oimith,ai- iird Your Preferred Dealer is: APPALACHIAN H-D /APPALACHIAN BU ELL 24 E MAIN ST PO BOX 237 NEW KINGSTOWN, PA 17072 Points Available Last Statement .......................................................... 4,076 Redemption Activity .............................................................................. 0 Points Activity standard Points ........................................................................................................ 860 Points Activity Sub-total ...... 860 Points Available ...................................................................................... 4,935 GENUINE REWARDS POINTS EXPIRE 3 YEARS FROM THE DATE EARNED. Pleats contact the Genuine Rewards Order Una for rewards redemption. Genuine Rewards Order Una: 1-800.699.2281 (24 hours, 7 days a week) l 0. 00 Harley-Davidson Visa Cardmember Service-available to you 24 hours a dayys? 7 days a week. Call us anytime at 1-800-699-2281. From checking on your balance or to find when your next Harley Chrome Cash certificate is coming to needing help during times of special credit needs such as moving or traveling, we're here to assist you whenever you need us. And that's a guaranteel Look here for important messages from your preferred Harley-Davidson dealer including upcoming events, special offers, and the latest HD news. Your HD dealer is listed each month on your billing statement along with their address. If you do not have an HD dealer listed on your statement, or If you would like to change your preferred dealer, call cardmember service at 1-800-699-2281. End of Statement ' I 1 I II HGHPERFA'ORMAANCEVISA July Statement for activity from Jun. 14, 2005 through Jul. 13, 2005 Inquiries: 1-800.699-2281 STEPHANIE K SPOTTS P 2 age of 3 N 7fts t?Qll$fi[ti 17i(i Nltt t?!4!IP! 4# ir11[t#1RRQIMor Mlont 0629 0627 7745 TURKEY-HILL#0236 MECHANICSBURG PA .............. 12.70 0629 0627 0164 PIZZA TOWN USA MECHANICSBURG PA ............... 7.04 06130 0628 9100 SMOKER'S EXPRESS #1401 MECHANICSBURG PA.... 20.05 07/01 0629 0110 PIZZA TOWN USA MECHANICSBURG PA ............... 9.42 07/01 0629 4707 TURKEY-HILL#0236 MECHANICSBURG PA .............. 11.96 07/05 07/04 4951 PANERA BREAD #660 CAMP HILL PA ..................... 17.85 07/05 07/04 6788 BOSCOV'S #012 CAMP HILL PA ........................... 69.89 07/05 07/02 5970 APPLACH IAN HARLEY D NEW KINGSTON PA............ 230.37 07M5 07/02 9306 FISAGA HARRISBURG PA ............................... 51.77 07/05 07/01 3607 TURKEY-HILL #0236 MECHANICSBURG PA .............. 10.49 07/05 07/03 0178 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.82 07/05 07/02 0104 AMOCO OIL 06955629 MECHANICSBURG PA............ 35.62 07/05 06x30 9747 EXXONMOBIL18 09988742 MECHANIC PA ............... 5.68 07105 06!30 0034 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.82 07106 07/04 4944 TURKEY-HILL #0236 MECHANICSBURG PA .............. 12.28 07107 07/06 0205 PIZZA TOWN USA MECHANICSBURG PA ............... 7.04 07/08 07/06 4976 TURKEY-HILL #0236 MECHANICSBURG PA .............. 5.00 07/08 07/05 0185 FLINCHY'S CAMPHILL PA ................................ 37.33 07/11 07108 2460 TURKEY-HILL #0236 MECHANICSBURG PA .............. 11.07 07/11 07/10 0081 AMOCO OIL 06955629 MECHANICSBURG PA............ 52.87 07111 07107 9143 SMOKER'S EXPRESS #1401 MECHAN ICSBU RG PA.... 20.06 07112 07110 9095 TURKEY-HILL #0236 MECHANICSBURG PA .............. 13.93 07112 07/11 0083 METRO VET ASSOCIATES VALLEY FORGE PA .......... 110.00 07/13 07/12 0215 PIZZA TOWN USA MECHANICSBURG PA ............... 9.64 07/13 07/11 8633 HDD MONT CO HARLEY DAV NORRISTOWN PA........ 23.00 Finance Charges 07113 "'FINANCE CHARGE"-INTEREST ................................. 28.34 ROME O n NS A nil Ina v _ m c.., w' ?, MM N ? BALANCE TRANSFER $0. 00 $0.00 0.040136% VARIABLE $0.00 14.66% 0.00% N PURCHASES $3,202.32 $2,363.82 0.040136% VARIABLE $28.34 14.66% 14.66% Y ADVANCES $0.00 $0.00 0.068191% VARIABLE $0.00 21.24% 0.00% N ..... ......... :.. Your Preferred Dealer is: APPALACHIAN H-D /APPALACHIAN BUELL 24 E MAIN ST PO BOX 237 NEW KINGSTOWN, PA 17072 Points Available Last Statement .......................................................... 4,936 Redemption Activity .............................................................................. 0 Points Activity Standard Points ........................................................................................................ 1,883 Points Activity Subtotal ...... 1,863 Points Available ...................................................................................... 0,798 GENUINE REWARDS POINTS EXPIRE 3 YEARS FROM THE DATE EARNED. Please contact the Genuine Rewards Order Lino for rewards radenVtion. Genuine Rewards Order Llne: 1-800.699.2281 (24 hours, 7 days a week) 40061389 2002 2047 Oongnued on Next Page 9.1 01 ' V. , HARLEY-DAVIDSON" HIGH PERFORMANCE VISA" July Statement for activity from Jun. 14, 2005 through Jul. 13, 2005 Inquiries: 1.800-899.2281 STEPHANIE K SPOTTS Page 3 of 3 li?tpk?.1?? You could be the next winner in the Harley-Davidson Visa Free Ride Sweepstakes. Its simple, every purchase you make is another entry toward winning a new Harley-Davidson motorcycle. For details, see the enclosed insert. Redeem your Harley-Davidson Genuine Rewards points before they expire. Check your statement for your points balance. Then call 1-800-899-2281 to redeem your H-D Genuine Rewards points todayl See the enclosed insert for details. Your Harley-Davidson Visa card is your ticket to Sturgis 2005. Use it along the way for gas, lodging, souvenirs and more and earn Genuine Rewards points for every net purchasel You'll be that much closer to earning Harley Chrome Cash good at participating authorized dealers. So indulge yourself at Sturgis 2005, and remember to use your Harley-Davidson Visa card. Tod 0-0010d U* UVA"110 K J* 0-w-40,01M Ir By Telephone: Every Hour! Every Day! Voloe: 1.800-699.2281 Too: 1-800.846.2680 Fax: 1-866.640.2015 © Send Inquiries to: Cardmember Servioe P.O. Box 6339 Fargo, ND 58125-6339 ® Send Payments to: U.S. Bank P.O. Box 790408 St. Louis, MO 63179-0408 ® Your Account Online: h-civlea.oom End of Srarement ' w ' HARLEY-DAVIDSON" HIGH PERFORMANCE VISA August Statement for activity from Jul. 14, 2005 through Aug. 10, 2005 Inquiries:/-800.699.2281 STEPHANIE K SPOTTS BNK 1606 Pagel of 2 YA K. YiiiWru _Arvitf?ewri? #1. K:Qr ?I' ??6"1 Activity Summary Previous Balance ................................. $3,202.32 Payments and Credits ......................... $97.00 Purchases Advances & Other Debits $2,538.81 FINANCE bMAROES ........................ $60.53 New Balance ...................................... $5,704.66 :: r::: -. :' !^?!.Y_?!M:l f.1F ::3YVV :.5."Y4?[il!:MTRi r?r?• Credit and Payment Information Credit Line ................................................... 8,000.00 Available Credit ........................................... 2,295.34 Minimum Payment Due (Current Month)... V72.00 Minimum Payment Due (Past Due) ........... 0.00 Total New Minimum Payment Due.......... $112.00 Payment Due Date .................................... Sep. 04, 2005 To reduce or avoid paying additional finance charges on your purchase balance, pay the total new balanoe of $6,704.66 by 09A74A6. Any cash balance or balance transfer balance will continue to accrue dally interest until the dale your payment Is roosived. Yref t Qn$ met a3YFM tA?1'1s I.& Rif. It r F?kaartp l.r#Frtnaaotton Arnat?nt Payments 08105 08/05 0277 PAYMENT THANK YOU .................................................... 97.00 CR and Credits Purchases, 07/14 07/12 9153 SMOKER'S EXPRESS#1401 MECHANICSBURG PA.... 20.06 Advances, DW*s 07/14 07/12 9681 TURKEY-HILL #0236 MECHANICSBURG PA .............. 14.56 07/14 07/12 0048 CAMP HILL ANIMAL HOSPI CAMP HILL PA ................. 96.11 07/15 07/13 7613 EXXONMOBIL18 09988742 MECHANIC PA ............... 5.77 07115 07/13 0038 AMOCO OIL 06955629 MECHANICSBURG PA............ 36.66 07/18 07/15 9126 SMOKER'S EXPRESS #1401 MECHANICSBURG PA.... 20.06 07/18 07/15 4839 TURKEY-HILL00236 MECHANICSBURG PA .............. 9.83 07/18 07/13 0105 PIZZA TOWN USA MECHANICSBURG PA ............... 7.66 07118 07/14 9562 VETERINARY IMAGING CNT AMBLER PA ................ 1,500.00 07/18 07/14 5188 TURKEY-HILL #0236 MECHANICSBURG PA .............. 10.67 07119 07/18 0126 PIZZA TOWN USA MECHANICSBURG PA ............... 5.46 07/19 07/17 0259 TURKEY-HILL #0236 MECHANICSBURG PA .............. 10.77 0720 07/18 0039 AMOCO OIL 06955629 MECHANICSBURG PA............ 21.22 0721 07/19 8514 TURKEY-HILL#0236 MECHANICSBURG PA .............. 11.55 0721 07/19 0164 CAMP HILL ANIMAL HOSPI CAMP HILL PA ................. 9.00 0721 07/19 0115 AMOCO OIL 06955629 MECHANICSBURG PA............ 48.02 0725 0722 9135 SMOKER'S EXPRESS #1401 MECHANICSBURG PA.... 20.06 0725 0722 4574 TURKEY-HILL #0236 MECHANICSBURG PA .............. 3.98 0725 0722 4657 TURKEY HILL #268 MECHANICSBURG PA ............... 10.46 0725 0723 3198 EXXONMOBIL18 09988742 MECHANIC PA ............... 9.45 0726 0724 6435 TURKEY-HILL #0236 MECHANICSBURG PA .............. 6.19 0726 0724 3627 EXXONMOBIL18 09988742 MECHANIC PA ............... 6.94 0726 0724 0257 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.82 Condnued on Next Page DUPLICATE REPRINTED STATEMENT Please detach and send coupon with payment. ban!6 To change your address or for Cardmember Service please call: 1.800.699.2281 Every Houri Every Dayl 40067X389200220470000172000005704667 00003932 STEPHANIE K SPOTTS 1110 RIDGE DR MECHANICSBURG PA 17055-4483 Your Account Number 4006 1 389 2002 2047 Total New Balance: $5,704.66 MinArwm Payment Due. $172.00 Psymanf are Asti 6rll.r:J?1 yp1 of .Pe}rm.n1 ?Q t# F ' Sep-04,2005 Please make check payable to: U.S. Bank P.O.Box 790408 St. Louis, MO 63179-0408 1, HARIEY-DAVIDSON° HIGH PERFORMANCE VISA" Au ust Statement for activity from Jul. 14, 2005 through Aug. 10, 2005 Inquiries: 1.800.699.2281 f 2 P 2 STEPHANIE K SPO TTS age o " I ?5 P M# ..4 nw, !tom Qe?Drtpfixu# Transwortrrrr Ar. ount 0727 0726 0193 PIZZA TOWN USA MECHANICSBURG PA ............... 9.53 0727 0725 0077 KENNETH & COMPANY CAMP HILL PA .................. 169.00 0727 07,25 0065 KENNETH & COMPANY CAMP HILL PA .................. 15.00 0728 0726 4578 TURKEY-HILL #0236 MECHANICSBURG PA .............. 13.65 0728 0726 9108 SMOKER'S EXPRESS #1401 MECHAN ICSBU RG PA.... 21.01 0729 0728 9860 GIANT FOOD STORES #331 MECHANICSBURG PA..... 51.90 0729 0728 0243 AMOCO OIL 06955629 MECHANICSBURG PA............ 50.82 0729 0727 7075 BARNES & NOBLE #2046 HARRISBURG PA .............. 10.06 08101 07130 0016 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.82 08101 07131 2119 PANERA BREAD #660 CAMP HILL PA ..................... 17.55 08/01 07130 7515 TURKEY-HILL#0236 MECHANICSBURG PA .............. 9.62 08104 08/03 0094 PIZZA TOWN USA MECHANICSBURG PA ............... 8.08 08105 08/03 9124 SMOKER'S EXPRESS #1401 MECHAN ICSBU RG PA.... 21.01 08105 08/03 6904 TURKEY-HILL#0236 MECHANICSBURGPA .............. 12.20 08108 08/05 0091 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.82 08/08 08/05 1024 TURKEY-HILL #0236 MECHANICSBURG PA .............. 9.68 08/08 08/06 1600 EXXONMOBIL18 09988742 MECHANIC PA ............... 5.65 08/08 08/05 0091 OAK GROVE FARMS INC MECHANICSBURG PA........ 11.71 08109 08/08 3330 THE HEALTHY GROCER CAMP HILL PA ................. 32.48 08/09 08/08 4328 GIANT FOOD STORES #110 CAMP HILL PA ................ 48.16 08/09 08/07 5437 TURKEY-HILL#0236 MECHANICSBURG PA .............. 12.57 08110 08108 2901 TURKEY-HILL#0236 MECHANICSBURG PA .............. 9.71 08110 08/08 6618 FIREHOUSE, THE HARRISBURG PA ..................... 31.66 08110 08/08 0213 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.82 Finance Charges 08110 -FINANCE CHARGE*** INTEREST ................................. 60.53 BeiJ?noe •?VI _ i?sJly ??i Corr?lrep .,rtrr Q?AP* . !jI/ $!! BUrgtN? A9rn??fla,R!M lrrtrrtn?f APR Thldr°rfald puiod BALANCE TRANSFER $0. 00 $0.00 0.040821% VARIABLE $0.00 14.90% 0.00% N PURCHASES $6,704.66 ;6,296.14 0.040821% VARIABLE $60.83 14.90% 14.90% Y ADVANCES $0. 00 $0.00 0.068876% VARIABLE $0.00 21.49% 0.00% N l v°4 IW I? 1 1 1 ,I- 9 ua F , !? ry4 h 1 ` ' 1011 1 r ::a - ug I ' i m..4., , _... I a!alnai7 m a ?.'' !4!i?rs xiarl 1 _M,1. h d)??i hYl0?i11A011 .,?„....: !ti[:.. 1 C-111 x?6 1 N. ON 8 . _... .. w• r Your Preferred Dealer is: APPALACHIAN H-D 24 E MAIN ST PO BOX 237 NEW KINGSTOWN, PA 17072 Points Available Lest Statement .......................................................... 6,798 Redemption Activity .............................................................................. 0 Points Activity Standard Points ........................................................................................................ 2,639 Points Activity Sub-total ...... 2,639 Points Available ...................................................................................... 9,337 GENUINE REWARDS POINTS EXPIRE 3 YEARS FROM THE DATE EARNED. Please oontaot the Genuine Rewards Order Una for rewards redemption. Genuine Rewards Order Una: 1.800.699.2281 (24 hours, 7 days a week) There are four easy ways to pay your Harley-Davidson Visa Card bill. Which one works best for you? With four convenient options, making yourl?arley-Davidson Visa Card payment i8 a snap. See the enclosed insert for details. Harley-Davidson Visa Cardmember Service-available to you 24 hours a day, 7 days a week. Call us anytime at 1-800-699-2281. From checking on your balance to needing help during times of special credit needs such as moving or traveling, we're hereto assist you whenever you need us. And that's a guarantee) End or Statement HARLEY-DAVIDSON" ® HIGH PERFORMANCE VISA"' September Statement for activity from Aug. 11, 2005 through Sep. 12, 2005 Inquiries: 1.800-699.2281 STEPHANIE K SPOTTS 9NK 234806 Page 1 of 2 Y6 urFtarl6?t*1VItQrc? High P?.1'tQ?1>stlC? ?13i# Cltlydactnurtt at A:latlQe`. Ac+co ti' 40p6 1.3002002 2047 Activity Summary Credit and Payment Information Previous Balance ................................. P t d C dit $5704.66 Credit Line ................................................... ;172 il 0 l C 8,000.00 1 aymen s ......................... s an re . 0 Ava redit........................................... ab e 1,380.60 Purchases, Advances & Other Debits FINANCE CHARGES ......................... New Balance ....................................... $1,003.65 Minimum Payment Due Current Month),.. 83.09 Minimum Payment Due (Past Due) ........... $6, 19.40 Total New Minimum Payment Due.......... $199.00 50.00 $199.00 Payment Due Date .................................... Oct. 07, 2005 To reduce or avoid paying addlNonal flnanoe charges on yourpurohaas balance, pay the total new balanoe of $6,619.40 by I aWX5. Any oash balance or balance transfer balance will con6hue to accrue daNy !merest un0l the date your payment is received. ... i 04 +lf 1'ylrrs RoTCiiiti1#Ql1l.flt . tMfit >tfbr ixriaflption of >'cannotlon rrlaunt Payments 09/02 09102 0201 PAYMENT THANK YOU .................................................... 172.00 CR and Credits Purchases, 08/11 08/10 0048 OAK GROVE FARMS INC MECHANICSBURG PA........ 21.12 Advances, DoWs 08/12 08/10 1587 TURKEY-HILL #0236 MECHANICSBURG PA .............. 11.00 08/12 08/10 0071 CAMP HILL ANIMAL HOSPI CAMP HILL PA ................. 12.11 08/12 08/10 0095 AMOCO OIL 06955629 MECHANICSBURG PA............ 51.22 08/15 08/12 0097 AMOCO OIL 06955629 MECHANICSBURG PA............ 21.82 08/16 08/15 0200 OAK GROVE FARMS INC MECHANICSBURG PA........ 14.22 08116 08/14 9635 TURKEY-HILL #0236 MECHANICSBURG PA .............. 9.04 08/16 08/14 0259 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.82 08117 08/15 0029 CRACKER BARREL #550 MECHANICSBURG PA........ 21.87 08/17 08/15 0242 AMOCO OIL 06955629 MECHANICSBURG PA.....,...... 20.82 08/19 08118 0051 AMOCO OIL 06955629 MECHANICSBURG PA............ 22.17 0822 08/19 0077 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.82 0822 0821 3061 GIANT FOOD STORES 8331 MECHANICSBURG PA..,.. 49.36 0822 08/19 0549 HOSS'S STEAK & SEA #18 MECHANICSBURG PA.....,., 39.85 0823 0821 0197 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.82 08,24 0822 0080 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.82 0825 0823 9883 TURKEY-HILL#0236 MECHANICSBURG PA .............. 8.32 0825 0823 0189 AMOCOOIL 06955629 MECHANICSBURG PA............ 45.21 0829 0826 0075 AMOCO OIL 06955629 MECHANICSBURG PA............ 22.17 08130 0829 5915 GIANT FOOD STORES #331 MECHANICSBURG PA..... 87.30 08/30 0828 0065 AMOCOOIL 06955629 MECHANICSBURG PA............ 20.82 09101 08130 0166 AMOCOOIL 06955629 MECHANICSBURG PA............ 20.82 09/06 09/05 6243 GIANT FOOD STORES #331 MECHANICSBURG PA..... 86.98 Continued on Next Page DUPLICATE REPRINTED STATEMENT Please detach and send coupon with payment b40061389200220470000199000006619400 Your Account Number, 4006 1 389 2002 2047 Total Now Balance: $6,619.40 Minknum Payment Due: $199.00 To change your address or for Payment Cardmember Servloe please call: 1.800.699-2281 Every Hour! Every Day! Oct 07, 2005 40003948 Please make chock payable to: STEPHANIE K SPOTTS U.S. Bank 1110 RIDGE DR P.O. Box 790408 MECHANICSBURG PA 17055-4483 St. Louis, MO 63179-0408 1111911111IH1111101111113119111loll l?lll?ll'1??111111'll11111 I LW IV ft, IV H GH PERK MANGE VISA° September Statement for activity from Aug. 11, 2005 through Sep. 12, 2005 Inquiries: 1-800-699-2281 STEPHANIE K SPOTTS Page 2 of 2 T. t "? t l iiAa 't11tiM ,I ifr R err fk i tai t' I'M an Am4ot 09/06 09104 7222 TURKEY-HILL #0236 MECHANICSBURG PA .............. 4.19 09106 09/04 1853 FISAGA HARRISBURG PA.... ........................... 50.48 09/06 09104 0254 AMOCO OIL 06955629 MECHANICSBURG PA............ 57.20 09/06 09/02 0235 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.82 09/06 09/04 0181 AMOCO OIL 06955629 MECHANICSBURG PA..........,. 28.71 09/07 09/05 0022 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.82 09/08 09/07 0124 AMOCOOIL 06955629 MECHANICSBURG PA............ 38.82 09/09 09/07 1024 KJ CERAMICS ROCHELLE PARK NJ ..................... 71.02 09/12 09/10 0253 AMOCO OIL 06955629 MECHANICSBURG PA............ 22.17 09/12 09/08 0200 AMOCO OIL 06955629 MECHANICSBURG PA............ 19.92 Finance Charges 09/12 ?iitrtxl4 -Ups..:: - ??,'?? BALANCE TRANSFER 0.00 PURCHASES $6,J9.40 ADVANCES 60.00 `FINANCE CHARGE'"'INTEREST ................................. 83.09 $0.00 0.040821% VARIABLE 60.00 14.90% 0.00% N 66,168A9 0.040821% VARIABLE 683.09 14.90% 14.90% Y 60.00 0.068878% VARIABLE $0.00 21.49% 0.00% N ?[!M Alp 1 NOR xx?OK 1 10`1110 N. v 111 i Your Preferred Dealer is: APPALACHIAN H-D 24 E MAIN ST PO BOX 237 NEW KINGSTOWN, PA 17072 Points Available Last Statement .......................................................... 9,337 Redemption Activity .............................................................................. 0 Points Activity Standard Points ........................................................................................................ 1,004 Points Activity Sub-total ...... 1,004 Points Available ...................................................................................... 10,341 GENUINE REWARDS POINTS EXPIRE 3 YEARS FROM THE DA'Z'E EARNED. Please oontaot the Genuine Rawards Order Une for awards redemption. Genuine Rewards Order Unit; 1.800.699-2281 (24 hours, 7 days a week) +?11C 77- Hanleyy Chrome Cash is a greatway to get the things you need this riding season. Here's how the program works: you yet:25 in Harley Chrome Cash for every 2,500 Genuine Rewards points you earn. To redeem your points, call -800.699-2261, and then watch the marl for your Harley Chrome gash certificates. Just bring your certificates to participating, authorized H-D dealerships and get some great H-D gear. Free Online Account Access is available 24/7. Access your Harley-Davidson Visa card account at your convenience from any Internet-enabled computer. Start at h-dvisa.com and with just a few clicks, you'll be in the know about your balance, your charges and more. See the enclosed insert for details. Look here for important messages from your preferred Harley-Davidson dealer including upcoming events, special offers, and the latest H-D news. Your H-D dealer is listed each month on your billing statement along with their address. If you do not have an H-D dealer listed on your statement, or if you would like to change your preferred dealer, call cardmember service at 1-800-699-2281. A MESSAGE FROM YOUR H-D DEALER: Visit our new state-of-the art facility at 6695 Carlisle Pike, Mechanicsburg, PA. End of Statement ' ', , HARLEY-DAVIDSON" HIGH PERFORMANCE VISA October Statement for activity from Sep. 13, 2005 through Oct. 11, 2005 Inquiries: 1-800-699-2281 STEPHANIE K SPOTTS BNK 234806 Page 1 of 2 ......... ..: Activity Summary Credit and Payment Information Previous Balance ................................. Payments and Credits...... ... I ............... $6,619.40 $0.00 Credit Line................................... $7,300.00 Available Credit............................ ..... $2.91 Purchases, Advances & Other Debits ..... FINANCE CHARGES $594.03 83.66 Minimum Payment Due Current Month)... 219.00 Minimum Payment Due (Past Due) ........... 99.00 .................... 09 $77 Total New Minimum Payment Due.......... 16.00 New Balance .............................••........ . Payment Due Date .................................... Nov. 05, 2005 To reduce or avoid paying additional finance charges on your purcha" balance, pay the total now balance or $7,297.09 by 11116,06. Any cash balance or balance transfer balance will oongnue to aocrrw dally Interest until the date your payment Is rnosived. Ei[jiLf l Ili Il?f vgn? Wo Purchases, 09/13 09/11 Advances, Debfts 09/14 09/13 09/14 09/12 09/14 09/12 09/19 09/15 0920 09/19 0921 09/19 0923 0921 0923 0921 0926 0923 0926 0922 0927 0925 0927 0925 0929 0927 09)30 0928 10/03 09fd0 10103 10101 10105 10/04 10107 10/5 10/07 Finance Charges 10111 '''FINANCE CHARGE"'INTEREST ................................. 83.66 Continued on Next Page DUPLICATE REPRINTED STATEMENT Please detach and send coupon with payment. 40061389200220470000418000007297094 ?a,estiesrt?arwaa? Your Account Number. 4006 1 389 2002 2047 Total Now Balance: $7,297.09 Minknum Payment Due: $418.00 To change your address or for Cardmember 8ervloe please call: 1.800.899.2281 Every Hourf Every Da y1 00003907 Nov. 05, 2005 I Please make check payable to: STEPHANIE K SPOTTS U.S. Bank 1110 RIDGE DR P.O. Box 790408 MECHANICSBURG PA 17055-4483 St. Louis, MO 63179-0408 lirilllmlllrriiloll rlrirrlrrlrlrrllulirrllruillllinrrlrll Irllrrrrlirrrrlllrrrl1111111111 rlrrlllrrr11.1111 111111111111111 l GNrse?at of Trenseotbn Amount 2553 RITE AID STORE 3613 MECHANICSBURG PA ............. 21.02 0881 PANERA BREAD #660 CAMP HILL PA ..................... 18.92 7020 TURKEY-HILL#0236 MECHANICSBURG PA .............. 4.19 0089 AMOCOOIL 06955629 MECHANICSBURG PA............ 53.32 0129 AMOCO OIL 06955629 MECHANICSBURG PA............ 26.52 0163 BREEZIN' UP STONE HARBOR NJ ........................ 20.25 0058 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.82 3024 TURKEY-HILL #0236 MECHANICSBURG PA .............. 9.00 0228 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.82 0209 PIZZA TOWN USA MECHANICSBURG PA ............... 17.85 0072 AMOCO OIL 06955629 MECHANICSBURG PA............ 58.01 4015 TURKEY-HILL #0236 MECHANICSBURG PA .............. 8.90 0171 AMOCO OIL 06955629 MECHANICSBURG PA............ 21.32 0080 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.82 7892 PANERA BREAD #660 CAMP HILL PA ..................... 8.78 0224 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.82 3250 EXXONMOSILI8 09988742 MECHANIC PA ............... 11.03 3670 SIERRA TRADING POST 800-7134534 WY ................. 141.80 2795 RITE AID STORE 3613 MECHANICSBURG PA ............. 50.83 LATE FEE - PAYMENT DUE ON 10/07 ............................. 39.00 ' ' ' HARLEY-DAVIDSON" 1 WI HIGH PERFORMANCE VISA" October Statement for activity from Sep. 13, 2005 through Oct. 11, 2005 STEPHANIE K SPOTTS BALANCE TRANSFER $0.00 $0.00 0.041606% VARIABLE PURCHASES $7,297.09 $6,951.04 0.041506% VARIABLE ADVANCES $0.00 $0.00 0.059561% VARIABLE Inquiries: 1-800699.2281 Page 2 of 2 $0.00 15.16% 0.00% $83.88 16.16% 15.16% $0.00 21.74% 0.00% w ? l :. tltlt1f11 . Your Preferred Dealer is: APPALACHIAN H-D 24 E MAIN ST PO BOX 237 NEW KINGSTOWN, PA 17072 Points Available Last Statement . ......................................................... 10,341 Redemption Activity $26 Chrome Cash Certificate ................ .................................................................. -10,000 Redemption Activity Sub-total -10,000 Points Activity Standard Points ........................................................................................................ 566 Points Activity Sub-total ...... 555 Points Available ...................................................................................... 896 Congratuletionsl The 4 Harley Chrome Cash certifioate(s) you recently requested are good for $100 off your next purohase at any participating, authorized Harley-Davidson dealership) Remember that certificates expire after 90 days. GENUINE REWARDS POINTS EXPIRE 3 YEARS FROM THE DATE EARNED. Please contact the Genuine Rewards Order Line for rewards redemption. Genuine Rewards Order Una: 1.800-699.2281 (24 hours, 7 days a week) Payment on your account is past due. While we have chosen not to close your account, your payment history directs us to reduce your credit line. To avoid further actions, please pay the past due amount. If future payments are made on a timely basis, we may consider your account for a line increase in the future. The above minimum payment includes a past due amount which is payable immediately upon receipt of this statement. If this amount has already been mailed please disregard this notice. I you cannot immediately forward this past due amount, please contact our collection department at 1-800-944-2706 to make other suitable arrangements for payment. Request Additional Cards for your family todayl They can enjoy the convenience and you'll earn H-D Genuine Rewards points faster. Use your H-D Visa card and earn H-D Genuine Rewards points on everyday purchases. The more you and your family use the H-D Visa card the more you benefit. See the enclosed insert for details or visit hdvisa.com. Select Your Account Online tab and cllck on manage Your Account. Redeem your Harley-Davidson Genuine Rewards points before they expire. Check your statement for your points balance. Then call 1-800-699-2281 to redeem your H-D Genuine Rewards points todayl See the enclosed insert for details. Look here for important messages from your preferred Harley-Davidson dealer including upcoming events special offers, and the latest H-D news. Your H-o dealer is listed each month on your billing statement along with QIr address. If you do not have an H-D dealer listed on your statement, or if you would like to change your preferred dealer, call cardmember service at 1-800-699-2281. A MESSAGE FROM YOUR H-D DEALER: Visit our new state-of-the art facility at 6695 Carlisle Pike, Mechanicsburg, PA. End of Statement ! -I I ® HIGH PERFORM CE VISA" October Statement for activity from Sep. 13, 2005 through Oct. 11, 2005 STEPHANIE K SPOTTS 9ALANCE TRANSFER $0.00 $0.00 0.041606% VARIABLE PURCHASES $7,297.09 $6,951.04 0.041506% VARIABLE ADVANCES $0.00 $0.00 0.059561% VARIABLE Inquiries: 1-800.699.2281 Page 2 of 2 $0.00 16.16% 0.00% $83.66 16.15% 15.15% $0.00 21.74% 0.00% 10i, A Your Preferred Dealer is: APPALACHIAN H-D 24 E MAIN ST PO BOX 237 NEW KINGSTOWN, PA 17072 Points Available Last Statement .......................................................... 10,341 Redemption Activity $25 Chrome Cash Certificate .................................................................................. • 10,000 Redemption Activity Subtotal -10,000 Points Activity Standard Points ........................................................................................................ 555 Points Activity sub-total ...... 555 Points Available ...................................................................................... 896 Congratuletional The 4 Harley Chrome Cash certNloatt(*) you recently requested are good for $100 off your next purchase at any partiolpating, authorized Harley-Davidson dealershipl Remember that certHloates expire after 90 days. GENUINE REWARDS POINTS EXPIRE 3 YEARS FROM THE DATE EARNED. Please contact the Genuine Rewards Order Line for rewards redemption. Genuine Rewards Omer Line: 1.800.699.2281 (24 hours, 7 days a week) Imp10Aests Payment on your account is past due. While we have chosen not to close your account, your payment history directs us to reduce your credit line. To avoid further actions, please pay. the past due amount. If future payments are made on a timely basis, we may consider your account for a line increase in the future. The above minimum payment includes a past due amount which is payable Immediately upon receipt of this statement. If this amount has already been mailed please disregard this notice. If you cannot immediately forward this past due amount, please contact our collection department at 1-800-944-2706 to make other suitable arrangements for payment. Request Additional Cards for your family todayl They can enjoy the convenience and you'll earn H-D Genuine Rewards points faster. Use your H-D Visa card and earn H-D Genuine Rewards points on everyday purchases. The more you and your family use the H-D Visa card the more you benefit. See the enclosed insert for details or visit hdvisa.com. Select Your Account Online tab and click on manage Your Account. Redeem your Harley-Davidson Genuine Rewards points before they expire. Check your statement for your points balance. Then call 1-600-699-2281 to redeem your H-D Genuine Rewards points todayl See the enclosed insert for details. Look here for important messages from your preferred Harley-Davidson dealer including upcoming events special offers, and the latest H-D news. Your H-D dealer is listed each month on your billing staement along with Qir address. If you do not have an H-D dealer listed on your statement, or if you would like to change your preferred dealer, call cardmember service at 1-800-699-2281. A MESSAGE FROM YOU R H-D DEALER: Visit our new state-of-the art facility at 6695 Carlisle Pike, Mechanicsburg, PA. End of Statement HARLEY-DAVIDSONe HIGH PERFORMANCE VISA November Statement for activity from Oct. 12, 2005 through Nov. 08, 2005 Inquiries: 1-800-699-2281 STEPHANIE K SPOTTS BNK 234806 Page 1 of 2 YOW Mgiii ey«-P I I 40" fth ;P 1 8 lti1 >?i)# G>tlll i a i ht t t QIat104 1kGiGl4tft; ,40O61'B?QQ2iif47 Activity Summary Credit and Payment Information Payments and Credits ......................... $7J498.00 FIN/ CE CHARGES ..Other Debits 85.34 New Balance ....................................... $6,974.43 Credit Line ................................................... $7300.00 Available Credit ........................................... 325.57 1 Minimum Payment Due (Current Month)... 210.00 Minimum Payment Due (Past Due) ........... Total New Minimum Payment Due.......... $0.00 $210.00 Payment Due Date .................................... Dec. 03, 2005 To reduce or avoid paying additional finance charges on your purchase balance, pay the total now balance of $6,974.43 by I Z03,vu Any cash balance or balance transfer balance will continuo to accrue daily interest until the date your payment is received. Rt?!f 7'rpns Rol. efl, ns Bite Data Nbr DO#orljxtiea?r of Trarmation Amount Payments 11104 11104 PAYMENT THANK YOU .................................................... 418.00 CR and Credits Purchases, 11/04 PHONE PAYMENT SERVICE CHARGE ........................... 10.00 Advances, Debits Finance Charges 11108 ***FINANCE CHARGE-INTEREST ................................. 85.34 M.: 0"Imm B nae 4Y. DO* Dolk Rste Cormop "IAPR?" G oe I IstTtssta pY TYPE S+ o? Nedodk: Rate Tyne /ntarllNlt APR Th/s;Pe4od iFi?Civd BALANCE TRANSFER $0.00 $0.00 0.042191% VARIABLE $0.00 15.40% 0.00% N PURCHASES $6,974.43 $7,224.23 0.042191% VARIABLE $86.34 15.40% 15.40% Y ADVANCES $0.00 $0.00 0.060246% VARIABLE $0.00 21.99% 0.00% N Hlarta?ly-ad?m?'1??s? t onu?rtrer' R9Wi$t`i$ Your Preferred Dealer is: APPALACHIAN H-D 24 E MAIN ST PO BOX 237 NEW KINGSTOWN, PA 17072 Points Available Last Statement .......................................................... 896 Redemption Activity .............................................................................. 0 Continued on Next Page DUPLICATE REPRINTED STATEMENT Please detach and send coupon with payment. ban!S, 40061389200220470000210000006974438 Your Account Number 4006 1 389 2002 2047 Total New Balance. $6,974.43 Minimum Payment Due: $210.00 To chant's your address or for Cardmember 9ervioe please call: 1.800.699.2281 Every Hourl Every Dayl _... ,.. Dec. 03, 2005 00003840 STEPHANIE K SPOTTS 1110 RIDGE DR MECHANICSBURG PA 17055-4483 Please make chock payable to: U.S. Bank P.O. Box 790408 St. Louis, MO 63179-0408 11 1111111111111111111111111114111141111111411111111 1u1n1n11 ' ' ' HARLEY-DAVIDSON" PERFORMANCE VISA November Statement for activity from Oct. 12, 2005 through Nov: 08, 2005 Inquiries: 1-800-699-2281 STEPHANIE K SPOTTS Page 2 of 2 4y 04V - M. Points Activity 0 Standard Points ............................................................ ................................. Points Activity Sub-total ...... Points Available ...................................................................................... 896 GENUINE REWARDS POINTS EXPIRE 3 YEARS FROM THE DATE EARNED. Plea" contact the Genuine Rewards Order Una for rewards redemption. Genuine Rewards Order Una: 1-800.699.2281 (24 hours, 7 days a week) Just like the holidays, your points don't fast forever. Keep track of your H-D Genuine Rewards points-they'll expire after 3 years.' And Harley Chrome Cash certificates are good for 90 days after being issued. So don't wait until the last minute to shop for your Harley-Davidson gear. "Points awarded but not redeemed will expire three years from the date the points were awarded to your account on December 31 of the expiration year. Reminder: Order your 2005 Annual Account Summary todayl The summary provides a comprehensive record of all your 2005 expenditures organized into broad categories for easy identification. Orders must be placed by December 31, 2005. See enclosed insert or go to www.h-dvisa.comfndlenroll. By Telephone: Send Inquiries to: ® Send Payments to: Your Account Every Hour! Every Day! Cardmemher Service U.B. Bank Online: Voice: 1.800.699-2281 P.O. Box 6339 P.O. Box 790408 h•dAsa.oom TOO: 1.800.848.2680 Fargo, NO 68126-6339 St. Louis, MO 63179.0408 Fax: 1-866-640-2015 End of Statement 1 I GBFH HPERORMA CE VISAV December Statement for activity from Nov. 09, 2005 through Dec. 08, 2005 Inquiries: 1-800-699-2281 STEPHANIE K SPOTTS BNK 23806 Page 1 of 2 ._ Y r fii rltly•D#v1l itil ?i Ff Pisrfi? rartcel?t trAl'de?cGe ., at 41 11 tt ? . AtW 4006139 2.002:2047 Activity Summary Credit and Payment Information Previous Balance ................................. 8,974.43 Credit Line................................................... 7,300.00 Payments and Credits ......................... 6,200.00 Available Credit...........,.............................,. 6,502.69 Purchases FINANCE bHAROES..Other Debits .00 Due m ent ay onth) B l N Mini um P m Due l N 7 1 91 10.00 Past Due) ew ance ....................................... a $ 9 ew $ .31 Tota 1nimum Payment Du.......... s 4.00 Payment Due Date .................................... Jan. 02, 2006 To reduce or avoid paying additional finance charges on your purchase balance, pay the total new balance of $797.31 by 01tWAX Any cash ba/ante or balance transfer balance wiN continue to accrue daffy interest undl the date your payment is retelved. P-08 T Tt7lttls 1"# AIRS W& 09 7Vbr LJ?rres?RtkrteofTren"aflon Amount.: Payments 11/14 11114 0170 PAYMENT THANK YOU .................................................... 6,200.00 CR and Credits Finance Charges 12108 -FINANCE CHARGE-INTEREST ................................. 22.88 !# 1E i111 111 1401" 4-k pllM' ' (!!fly F.to OW(pap APR*". am t3alindar i jxi 9y :7W /r _ iainoalfa Rate TYO. Mfer4af /iPR TNa' Petdod Fork BALANCETawSFER 0.00 e0.00 0.042191% VARIABLE $0.00 16.40% 0.00% N PIKiCNASES $)i7 7.31 >j1,8 7.76 0.042191% VARIABLE =22.88 15.40% 16.40% Y ADVANCES $0.00 $0.00 0.060246% VARIABLE $0.00 21.99% 0.00% N Hil?riy?l>1>alrt taenu111e Fhwrtls Your Preferred Dealer is: APPALACHIAN H-D 6695 CARLISLE PIKE MECHANICSBURG, PA 17050 Points Available Last Statement .......................................................... 896 Redemption Activity .............................................................................. 0 Points Activity Standard Points ........................................................................................................ 0 Points Activity Sub-total ...... 0 Continued on Next Page DUPLICATE REPRINTED STATEMENT Please domoh and send coupon with payment. innk, 0040061389200220470000024000000797310 Your Account Number. 4006 1 389 2002 2047 Total New Balanoa: $797.31 MlMmum Payment Due. $24.00 To change your address or for Cardmember Service please call: 1.800-689.2281 Every Hourl Every Dayl Jan. 02, 2006 y 00003834 STEPHANIE K SPOTTS 1110 RIDGE DR MECHANICSBURG PA 17055-4483 Irr?IlLr,l Ilnnldnldnlnl?lnllnlnrllnrrll Ilruulrll U.S. Bank P.O. Box 790408 St. Louis, MO 63179-0408 Irllirirllrrnlllri?llrlnllrnrllrlllrrrlirlillrnlnlirlirll ® HARLEY-DAVIDSON" PER OR? CE' VISA December Statement for activity from Nov. 09, 2005 through Dec. 08, 2005 Inquiries: 1-500.699-2281 STEPHANIE K SPOTTS Page 2 of 2 101 Points Available ...................................................................................... 896 GENUINE REWARDS POINTS EXPIRE 3 YEARS FROM THE DATE EARNED. Please contact the Genuine Rewards Order Line for rewards redemplon. Genuine Rewards Order Line: 1.800.699.2281 (24 hours, 7 days a week) E9,a W 8 a;• ;?:'n?i ??,-?i?icr. x { :, . " a {w4 ry{ wl ,p Ana i- a701, ,r u„ ?. ,,.. ?^ '?^? ? i?• . .______. w.??i . .,.N,n.: .. r. ,..vu?rr•?,taeh?EBa?v:,.,,,::,:M ?9s'ssuG?h : , ?1???. t5• ?s!. Every dollar you spend this holiday season, gives you another chance to win a new Harley-Davidson motorcycle'. This means everryytit,me you buy something for someone else this holiday season-and all through the year-you have a chance to win something for yourself. Be merry, be safe and remember there is a drawing every month. 'Free entry through mail. No purchase necessary. For details see the Official Rules enclosed for how to enter. By Telephone: © Send Inquiries to: ® Send Payments to: Your Account Every Hour1 Every Day! Cardmember Service U.B. Bank Online: Voice: 1.800.699.2281 P.O. Box 6339 P.O. Box 790408 h-dviss.oom TDD: 1.800-846-258D Fargo, ND 88125.6339 SL Louis, MO 63179-0408 Fax: 1.866-840.2016 End of Stadement NARLEY-DAVIDSON" I I HIGH PERFORNKE VISA RI00 Janua Statement for activity from Dec. 09, 2005 through Jan_ 10, 2006 Inquiries: 1-800-699-2281 STEPHINIE K SPOTTS aNK 23806 Page 1 of 2 :. ::! YI1Y??N/rMe'.r? PelSrBiYYW"t Y11i*11?1 7f . 00: 9006 13910211'47 Activity Summary Credit and Payment Information Previous Balance ................................. $797.31 Credit Line ................................................... 7,300.00 1 Payments and Credits ......................... $24.00 Available Credit........................................... 6:289.31 Purchases Advances 8 Other Debits C $125.89 Minimum Payment Due 11 9 Mi i t D P Current Month)... $31.00 (P 00 t D 0 HARGES ......................... FINANCE B l n mum .6 ue aymen m P $1 69 T l N Minim 810 t ue) ........... . as nt D $31 00 m New ance ....................................... a ue.......... . , ew e . o a u ay Payment Due Date .................................... Feb. 04, 2006 To reduce or avoid paying additional finance charges on your purchaw balance, pay the total now balance of $t ,010.69 by 02XV26. Any cash balance or balance transfer balance WR oontinue to accrue daily Interest until the date your payment Is received. 1 4+#??) DOW M-W Nbr l7IpM DRn? l?afktP'af I`?Oa>rotlon Attlount Payments 12/22 12122 0254 PAYMENT THANK YOU .................................................... 24.00 CR and Credits Purchases, 01/05 01/03 6982 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 11.12 Advances, Debits 01/05 01/04 1515 SIERRA TRADING POST 800-7134534 WY ................. 149.95 01/06 01/05 0104 PIZZA TOWN USA MECHANICSBURG PA ............... 9.16 011D9 01/06 7519 DENNY'S INC MECHANICSBUR PA ...................... 13.06 01/09 01106 5116 TURKEY HILL #0236 069 MECHANICSBURG PA,......... 5.38 01/09 01/07 0025 TURKEY HILL #0236069 MECHANICSBURG PA .......... 9.16 01/09 01/07 0010 CRACKER BARREL #550 MECHANICSBURG PA........ 14.82 01/09 01/07 0060 PIZZA TOWN USA MECHANICSBURG PA ............... 13.04 Finance Charges 01110 -FINANCE CHARGE"`INTEREST ................................. 11.69 1?l $ ?»i i nx+r A4 .1 lltgflr Carmelo ?"k "' : IIAPI 9arAR01r7ypr rape t Nrt!<ti PVlfladla RAte Ty tntw".t RPR Thla PMrMd ii td BALANCE TRANSFER 0.00 $0.00 0.0428769E VARIABLE $0.00 15.65% 0.00% N PURCHASES $1,40.69 $x26.21 0.042876% VARIABLE $11.69 16.669E 16.669E Y ADVANCES $0.00 $0.00 0.0609319E VARIABLE $0.00 22.249E 0.00% N DUPLICATE REPRINTED STATEMENT ban!?. To change your address or for Cardmember Serviee please call: 1.800-699-2281 Every Hourl Every Deyl Continued on Next Page Please detach and send coupon with payment. 0040061389200220470000031000001010698 00004077 STEPHANIE K SPOTTS 1110 RIDGE DR MECHANICSBURG PA 17055-4483 L?dll?rrlllmrldrrLLrlul?h?IluLnlbmllll?iu?bll U.S. Bank P.O. Box 790408 St. Louis, MO 63179-0408 Irlllrrrilrrrrlll11l1ll?lnllnr,lullln?lul1llurlrlll,11411 HARLEY-DAVIDSON0 HIGH PERFORMANCE VISA' January Statement for activity from Dec. 09, 2005 through Jan. 10, 2006 Inquiries: 1-800-699-2281 STEPHANIE K SPOTTS BNK 23806 Page 1 of 2 Activity Summary ?Qt'ftt?lR?Gb Yi6t ?Cd a6Ct#tttita6t s ?tllllt`xA F. 4006 13.0 8 1 +i<d4' Credit and Payment Information Previous Balance ................................. $797.31 Credit Line ................................................... 7,300.00 Payments and Credits ................ 24.00 $24.00 Available Credit........................................... i P t D C t M th 225 Mi 6,289.31 31 00 Purchases Advances FINANCE 6HAROES 6 Other Debits )... n urren on mum aymen ue $ .69 ment D 111 69 Minim m Pa e (Past D e $ . 50 00 ......................... New Balance ....................................... ) ........... . y u u u $1, 10.69 Total New Minimum Payment Due.......... . $31.00 Payment Due Date .................................... Feb. 04, 2006 To reduce or avoid paying addrfional finance charges on yourpurchass balance, pay the total new balance of $1,010.69 by 02174106. Any cash balance or balance transfer balance WN conllnue to accrue dally interest unNI the date your payment Is reoelved. ?p11 1 n;1$ . Poi 1f'nNM Aie( ml?r maw tv0r i ;itW -.1rc?rrat r rfon Amount Payments 12,22 12/22 0254 PAYMENT THANK YOU .................................................... 24.00 CR and CredNs Purchases, 01/05 01103 6982 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 11.12 Advances, DW*s 01105 01/04 1515 SIERRA TRADING POST 800-7134534 WY ................. 149.95 01106 01/05 0104 PIZZA TOWN USA MECHANICSBURG PA ............... 9.16 01109 01/06 7519 DENNY'S INC MECHANICSBUR PA ...................... 13.06 01/09 01106 5116 TURKEY HILL 80236 069 MECHANICSBURG PA.......... 5.38 01/09 01107 0025 TURKEY HILL #0236 Q69 MECHANICSBURG PA.......... 9.16 01109 01/07 0010 CRACKER BARREL #550 MECHANICSBURG PA........ 14.82 01109 01/07 0060 PIZZA TOWN USA MECHANICSBURG PA ............... 13.04 Finance Charges 01/10 -FINANCE CHARGEll, INTEREST ................................. 11.69 Rio $ Ittl1'? f l 0#141000 A4 .041W 4100y A.40 Ctatmo , 0AjWW*` Orap* 9xattfa? 7 e . r 7)!pt? ft M PRrlwdla Rate. Type 1nWoot.. APR WrPiried 1Wtiad BALANCE TRANSFER 0.00 $0.00 0.042876% VARIABLE $0.00 16.65% 0.00% N PURCHASES $1,00.69 $826.21 0.042876% VARIABLE $11.89 16.669E 15.66% Y ADVANCES $0.00 $0.00 0.060931% VARIABLE $0.00 22.24% 0.00% N DUPLICATE REPRINTED STATEMENT bank. To *hangs your address or for Cardmember Servioe please call: 1.600-699-2281 Every Hourl Every Dayl Continued on Next Page Please detach and send coupon with payment. 0040061389200220470000031000001010698 00004077 STEPHANIE K SPOTTS 1110 RIDGE DR MECHANICSBURG PA 17055-4483 Imlllu?Illnuldrrlr1n1111?1ullulnrllnn11111iuJJl U.S. Bank P.O. Box 790408 St. Louis, MO 63179-0408 181111111111111114111141 rrllrnrlnlllirr 1111111111 11111111411 ',' ; HARLEY-DAVIDSON ® HIGH PERFORMANCE VISAO January Statement for activity from Dec. 09, 2005 through Jan. 10, 2006 Inquiries: 1.800.699-2281 STEPHANIE K SPOTTS Page 2 of 2 y MINIM 4r tgay;?s??.?l, ?? m ?'_`a?y i'i1 I sFi'i I ... I0: ` N... ?I;W5..... :4hih'Id4illl .. wk ..'^: 01iu' ..':fl!Q.IIfP.S:S? a i HIeC9 =?IY1B1910ulSilin']iull?ryb;; :..[^. 9f'11111-' iHid '47.ri?i5 ... ?'+.. ...,.... A: c:(:'., Your Preferred Dealer is: APPALACHIAN H-D 6695 CARLISLE PIKE MECHANICSBURG, PA 17050 Points Available Last Statement .......................................................... 896 Redemption Activity .............................................................................. o Points Activity Standard Points ........................................................................................................ 226 Points Activity Sub-total.-.... 226 Points Available ...................................................................................... 1,122 GENUINE REWARDS POINTS EXPIRE 3 YEARS FROM THE DATE EARNED. Please oontaot the Genuine Rewards Order Line for rewards redemption. Genuine Rewards Order Line: 1.800.699.2281 (24 hours, 7 days a week) 1??tp? ?le?gs? Visa's Zero Liability policy means 100% protection for you against fraud. Use your H-D Visa card to shop anywhere Visa is accepted and you're protected from unauthorized use of your card or account information. With this poll Cy, your liability for unauthorized purchases is $0 - you pay nothing. If you notice fraudulent activity on your card, promptly call us at 800-699.2281. Subject to Claim Verification, Zero Liability does not apply to transactions not processed by Visa. Access your H-D Visa card account at your convenience from any internet-enabled computer. Start at h-dvisa.com and with just a few dicks, you'll be in the know about your balance, your charges and more. See the enclosed insert for details. TE! 66 retti3 047 By Telephone: © Send Inquiries to: ® Send Payments to: Your Account Every Hourl Every Aayl Cardmember service U.S. Bank Online: Volos: 1-800.699.2281 P.O. Box 6339 P.O. Box 790408 h-dviss.oom TOD: 1-800-846-2680 Fargo, ND 58126.8339 8t. Louis, MO 63179.0408 Fax: 1-866.640.2016 End of Stalem*nt HARLEY-DAVIDSON" m HIGH PERFORMANCE VISA" February Statement for activity from Jan. 11, 2006 through Feb. 08, 2006 Inquiries: 1-800-699-2281 STEPHANIE K SPOTTS BNK 23806 Page 1 of 3 Yam ?I?l!"11?ji•?k'f4??!gllll??1t F'?4f?tll?fl<1?Y ?? i?t'tf`1?Otit Bt 1st'?Iti'?? +b!ptt: 4p.8 1 X13 2 Qp2`L?47 Activity Summary Credit and Payment Information Previous Balance ............................... .. $1,010.69 Credit Line................................................... ¢9,800.00 Payments and Credits ....................... .. 131.00 Available Credit........................................... 18 353.19 Purchases Advances & Other Debits b 2451.38 Minimum Payment Due Current Month)... 1 74 M P D (P $44.00 HARGES ......................... FINANCE New Balance ....................................... ast Due)........... $ inimum ayment 5. ue $1,446.81 Total Now Minimum Payment Due.......... 0.00 00 1 Payment Due Date .................................... Mar. 0 , 2006 To reduce, or avoid paying additional finance, charges on yourpurMam balance, pay the total new balance of $1,446.61 by 0"5AM, Any cash balance or balance transfer balance Wil oonNnue to accrue, daily Intsreet until the date your payment In received. fIINlu1 T ft OTi1;)i i7#h ,mote, Raf. l?fbr o. ....rlption of Tranaaf/on - Amourtt Payments 02101 021/01 0154 PAYMENT THANK YOU .................................................... 31.00 CR and Credits Purchases, 01/11 01/09 3946 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 6.55 Advances, Debits 01/11 01/09 3902 EXXONMOBIL18 09988742 MECHANIC PA ............... 8.17 01/11 01/09 5954 WENDYS#9262 Q25 MECHANICSBURG PA ............. 5.78 01/12 01/10 1784 MCDONALD'S F15788 MECHANICSBURG PA........... 8.46 01/13 01/11 8230 WENDYS #1130 025 M EC HAN ICSBU RG PA ............. 8.01 01/13 01/12 0121 PIZZA TOWN USA MECHANICSBURG PA ............... 9.43 01/17 01/15 3791 MCDONALDIS F15788 MECHANICSBURG PA........... 5.26 01/17 01/14 6702 EXXONMOSIL18 09988742 MECHANIC PA ............... 10.07 01117 01/14 0111 PIZZA TOWN USA MECHANICSBURG PA ............... 7.10 01118 01/16 6525 MCDONALD'SF15788 MECHANICSBURGPA........... 13.75 0120 01119 1604 WENDYS#1130 025 MECHANICSBURG PA ............. 8.01 01,23 0120 9066 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 12.47 0123 0121 2951 MCDONALDIS F15788 MECHANICSBURG PA........... 10.67 0123 0122 6399 WENDYS#1130 Q25 MECHANICSBURG PA ............. 9.59 0126 0124 2202 WENDYS #9262 Q25 MECHANICSBURG PA ............. 8.01 0127 0125 2713 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 5.79 0127 0125 6573 MCDONALD'S F15788 MECHANICSBURG PA........... 8.46 01130 0128 4794 MCDONALD'S F15788 MECHANICSBURG PA........... 5.78 01130 0126 0133 PIZZA TOWN USA MECHANICSBURG PA ............... 8.89 01130 0126 2939 EXXONMOBIL18 09988742 MECHANIC PA ............... 8.18 01t30 0127 0439 METRO VET ASSOCIATES VALLEY FORGE PA .......... 249.00 01131 0129 4978 MCDONALD'S F15788 MECHANICSBURG PA........... 5.88 02107 02/05 7955 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 10.00 Continued on Next Page DUPLICATE REPRINTED STATEMENT Pies" detach and send coupon with payment. ban!6 To change your address or for Cardmember Service please call: 1.800.599.2281 Every Hourl Every Daryl 0040061389200220470D0D044000001446814 00003964 STEPHANIE K SPOTTS 1110 RIDGE DR MECHANICSBURG PA 17055-4483 1111111 loll 1111111 1111111111141 114111111111 lill loll 11111111111 Your Account Number: 4006 1 389 2002 2047 Total New Balance,: $1,446.81 Minknum Payment Due,: $44.00 t?aytn/titDu1 Data , E11ttiC41rYRUr1iRfPFJ!RNRntfif41QGf Mar. 05, 2006 3 .: U.S. Bank P.d. Box 790408 St. Louis, MO 63179-0408 11111111111111111111111111111i11111111111111111111111111111111 WOW , , , HARLEY-DAVIDSON" ® HIGH PERFORMANCE VISA February Statement for activity from Jan. 11, 2006 through Feb. 08, 2006 Inquiries: 1-800-699-2281 STEPHANIE K SPOTfS Page 2 of 3 TC$ ${, Q Ql( aW 1S Or . iw A. 7islM ottere Almaunt 02/07 02!05 8037 TURKEY HILL 80236 069 MECHANICSBURG PA.......... 5.08 02108 02106 8760 MCDONALD'S F15788 MECHANICSBURG PA ........... 5.78 02108 02/07 0121 PIZZA TOWN USA MECHANICSBURG PA ............... 7.21 Finance Charges 02108 ***FINANCE CHARGE-INTEREST ................................. 15.74 Ay.IN R1rN. Cgrap l'R'tr f?lif?QO.: , l r tr a :: Holt A.R6 1 $ tkr ts MNnrlrt ApR 7h11t Pi?rbd mod .!? _. _ 00 IWO BALANCE TRANSFER $0.00 $0.00 0.043681% VARIABLE `0.00 15.90% 0.00% N PURCHASES $1,446.81 $1,246.31 0.043661% VARIABLE $16.74 16.90% 16.90% Y ADVANCES $0.00 $0.00 0.061616% VARIABLE $0.00 22.49% 0.00% N WI??`?t:M'??1C??1St'?f? ! QSI?tl?itp ?t?'tlll'DwdB. Your Preferred Dealer is: APPALACHIAN H-D 6695 CARLISLE PIKE MECHANICSBURG, PA 17050 Points Available Last Statement .......................................................... 1,122 Redemption Activity .............................................................................. 0 Points Activity standard Points ........................................................................................................ 451 Points Activity Sub-total ...... 461 Points Available ...................................................................................... 1,573 GENUINE REWARDS POINTS EXPIRE 3 YEARS FROM THE DATE EARNED. Please contact the Genuine Rewards Order Una for rewards redemption. Genuine Rewards Order Una: 1-800.699-2281 (24 hours, 7 days a week) Congratulationsl As a valued customer, we are pleased to advise you that we have raised your credit line $2500. Your new credit line appears on this statement. Automatic Bill Payment takes care of your monthly bills and keep them organized all while earning you H-D Genuine Rewards points. Save time by making only one monthly payment. Bills paid with A ZtDmatic Bill Payment go straight to our monthly card statement, leaving you only one payment to make each month. See enclosed insert for details. Go where you want - and use your Harley-Davidson Visa card for allyouur stops along the way. Every time you use your Harley-Davidson Visa card you earn H-D Genuine Rewards points. Once you have 2,500 points, you can turn them in for $25 in Harley Chrome Cash that can be used for motorcycle gear, H-D MotorClothes apparel, maintenance and more. Each time you, or a third party on your behalf, pays your bill by personal check, you authorize us to convert that payment into an electronic debit. If the check is processed electronically, the checking account will be debited for the amount on the check and the debit will appear on your account statement. If you have any questions, please contact us at the Inquiries phone number located on this statement. A MESSAGE FROM YOUR H-D DEALER: Roar into spring on a brand new Harley-Davidson motorcycle from Appalachian H-D. 40061389 2002 2047 Con#nuod on Next Page 2.9b- HARIEY-DAVIDSONe 'we i I e HIGH PERFORMANCE VISA° February Statement for activity from Jan. 11, 2006 through Feb. 08, 2006 Inquiries: 1-800-699-2281 STEPHANIE K SPOTTS Page 3 of 3 t it< t k . Yo ;.i O t?t,.7 .. p47 By Telephone: Every Hour! Every Day! Voloo: 1-800-699.2281 Too: 1.800.848.2580 Fax: 1-866.640.2015 Send Inquiries to: Cardmember eervloe P.O. Box 6339 Fargo, No 58125.6339 Send Payments to: U.S. Bank P.O. Box 790408 $t Louis, MO 63179.0408 Your Account Online: h•dvisa.oom End of Shornonf VOID STEPHANIE K SPOTTS Genme Rewards Pay your Taxes with your Harley-Davidson Visa Card, . Earn H-D Genuine Rewards points when you pay your personal income taxes, even your property taxes, with your H-D Visa Card! Want to know how? Visit www.visa.com/taxpay for more details! ' , ' ', HARLEY•DAVIDSON® HIGH PERFORMANCE VISA' March Statement for activity from Feb. 09, 2006 through Mar. 13, 2006 inquiries:/-800.699.2281 STEPHANIE K SPOTTS BNK 23806 Pagel of 3 N tr11a1t E7 I ttlliowl0t M Rdrf rttiAtl ltl a? w llrcci nt at a' lliikho?o- ... WOUrEt.- Activity Summary Credit and Payment Information Previous Balance ................................. $1,446.81 Credit Line................................................... 9,800.00 1 Payments and Credits ....................... .. $44.00 Available Credit............................ 8,232.94 Purchases Advances & Other Debits $141.84 Minimum Payment Due Current Month)... ( $48.00 FINANCE 6HAROES ......................... Past Due) ........... $22.41 Minimum Payment Due x0.00 New Balance ..................................... .. $1,567.06 Total New Minimum Payment Due.......... 48.00 Payment Due Dale .................................... Apr. 07, 2006 To reduce or avoid paying additional finance ohargea on your purchase balance, pay the total new balance of $1,567.06 by 04ro7A)6. Any oath balance or balance transfer balance will continue to accrue dally ingest until the date your payment is reoeived. Tlr?ii>11ac4n$ f IIE' fi1?+ La(e..?itfr AW. Nbr E1etF(pttati;DE:TrrrRl??at[on Amount Payments 03102 03102 0085 PAYMENT THANK YOU .................................................... 44.00 CR and Credits Purchases, 02/10 02/06 0269 TURKEY HILL 80236 Q69 MECHANICSBURG PA.......... 27.56 Advances, Debits 02/10 02/08 3541 EXXONMOBIL18 09988742 MECHANIC PA ............... 4.19 02113 02/10 6480 TURKEY HILL 80236 Q69 MECHANICSBURG PA.......... 10.88 02/13 02/09 5476 MCDONALDISF15788 MECHANICSBURGPA........... 9.05 02/14 02112 1162 MCDONALD'S F15788 MECHANICSBURG PA........... 5.78 02114 02112 5559 EXXONMOBIL18 09988742 MECHANIC PA ............... 13.00 02114 02/13 0665 WENDYS 81130 Q25 MECHANICSBURG PA ............. 8.01 02/15 02/13 2190 TURKEY HILL 80236 069 M ECH AN ICSBU RG PA.......... 11.69 02115 02/13 2273 TURKEY HILL 80236 069 MECHANICSBURG PA.......... 11.90 02/16 02/14 0234 MCDONALD'SF15788 MECHANICSBURG PA........... 8.63 02/17 02/15 9122 PANERA BREAD 8660 CAMP HILL PA ..................... 13.35 02/17 02/15 9953 TURKEY HILL 80236 069 MECHANICSBURG PA.......... 8.52 0221 02/17 1809 TURKEY HILL 80236 069 MECHANICSBURG PA.......... 9.28 Finance Charges 03/13 -FINANCE CHARGE"* INTEREST ................................. 22.41 BALANCE TRANSFER PURCHASES ADVANCES DUPLICATE REPFUNTED STATEMENT ban!?. To change your address or for Cardammber Sorvios please call: 1-800-699-2281 Every Hourl Every Day! 0740061384200220470000048000001567065 00003767 STEPHANIE K SPOTTS 1110 RIDGE DR MECHANICSBURG PA 17055-4483 LadILaJILr??IiLJd?F6al FlrallaFlual6Fad) IL???rIJI $0.00 $0.00 0.043561% VARIABLE $0.00 16.90% 0.00X. N $1,5676 $1,669.24 0.043561% VARIABLE $22.41 15.90% 16.90% Y :0.00 0.061616% VARIABLE $0.00 22.49% 0.00% N .0 Continued on Next Page Please detach and send coupon with check payable b: U.S. Bank U.S. Bank P.O. Box 790408 St. Louis, MO 63179-0408 l?IlaFnllinallln?llilaFllraFFllalll?a?l??l?llFlilnllilull W. ., i HARLEY-DAVIDSON" HIGH PERFORMANCEVISAO March Statement for activity from Feb, 09, 2006 through Mar. 13, 2006 Inquiries: 1-800-699-2281 STEPHANIE K SPOTTS Page 2 of 3 lp??`NH7 DCf a nlm?q? ?jl ?C V C DI ? 7 I I>] ? • :?..: 1 XMIT NC S? Y C x C uv CN,'u !Yk 110 0 f`8?Qf7 C?nNyp?pC :DIN pp' C[Dp L ?" :.:.. .._,d• ICNINI u+ rvvr..rrn. unv :: ..:........ _ ..._.!C..P.I?:no NI NP 5171 ?i._p77.J?",.`f?J17lH1 ?E??9ftln7w?vnlwlCDiInflQDlit'IiA47Za - mia:.v?....av_v,.,..........v..:??...............__.._...._.. ? Your Preferred Dealer is: APPALACHIAN H-D 6695 CARLISLE PIKE MECHANICSBURG, PA 17050 Points Available Last Statement .......................................................... 1,573 Redemption Activity .............................................................................. 0 Points Activity Standard points ........................................................................................................ 142 Points Activity Sub-total ...... 142 Points Available ...................................................................................... 1,716 GENUINE REWARDS POINTS EXPIRE 3 YEARS FROM THE DATE EARNED. Please oontaot the Genuine Rewards Order Line for rewards redemption. Genuine Rewards Order Line: 1-800.899-2281 (24 hours, 7 days a week) 1 00 on ? Every time you useyour Harley-Davidson Visa Card you have a chance to win a new motorcycle. All you have to do is use your H-D Visa Card and every dollar you s nd gives you an automatic entry into the monthly sweepstakes. So, whether you're riding orb into the sunset or walking into the grocery store, don't forget to use your H-D Visa Card. No purchase necessary. For details, see the Official Rules enclosed for how to enter. Pay your Taxes with your Harley Davidson Visa Cardl Earn H-D Genuine Rewards points when you pay your personal income taxes, even your property taxes, with your H-D Visa Cardl Want to know how? Visit www.wsa.comRaxpay for more details) A MESSAGE FROM YOUR H-D DEALER: Roar into spring on a brand new Harley-Davidson motorcycle from Appalachian H-D. Each time you or a third Frty on your behalf, pays your bill by personal check, you authorize us to convert that payment into an electronic debit. I the check is processed electronically, the checking account will be debited for the amount on the check and the debit will appear on your account statement. If you have any questions, please contact us at the Inquiries phone number located on this statement. 40081389 2002 2047 Continued on Next Page t I ! ' ? ® ??! P?'RFOR?AONNCE VISAG March Statement for activity from Feb. 09, 2006 through Mar. 13, 2006 Inquiries: 1-800-699-2261 STEPHANIE K SPOTTS Page 3 of 3 By Telephone: Send Inquiries to: Send Payments to: Your Account Every Hourl Every Dayl Oardrnomber earvlos U.S. Bank Online: Voios: 1-800.699.2281 P.O. Box 6339 P.O. Box 790408 h-dvim.oom Too. 1.800.846.2680 Fargo, NO 68125-6339 Tat. LoWs, MO 63179.0408 Fax: 1.866.640-2016 End of Statement STEPHANIE K SPOTTS Genuine Rewards VOID You earned H-D Genuine Rewards points - Redeem them TODAY! E-oy the benefits of Harley Chrome Cash. Call 1-800-699-2281 today to r0eem our Genuine Rewards points for Harley Chrome cash to use at participating, authorized Harley-Davidson dealerships. Call 1-800.699.2261 today to redeem your pointsl The creditor and issuer of The Harley-Davidson Visa card is U.S. l3af? Natlvnal Aasociet'ar1 t4D. H•D 2008. All rights reserved, Harley-Davidson, H•D, Harlay, end the Bar and Shield logo and Harley Chrome are among the tra marks 01 H D Michigan, lnc. f?, I I m H GHLPERFOR? CE YISAC April Statement for activity from Mar. 14, 2006 through Apr. 10, 2006 Inquiries:1-800.699.2281 STEPHANIE K SPOTTS BNK 23606 Pagel of 3 A#- -U . q Activity Summary Credit and Payment Information Previous Balance ................................. $1,567.06 Credit Line................................................... 9,800.00 Payments and Credits ........... ............ .. $48.00 Available Credit........................................... 6,822.67 Purchases}, ,Advances b & Other Debits $1,431.79 Minimum Payment Due Current Month)... P D P D $90.00 a0 00 FINANCE HARQES ....................... .. ayment ue ast ue) 126.48 Minimum P nt D Mi m 33 T l N i 2 !77 t . S9o 00 New Balance .............. ........... .............. u.......... ew n mum e $ , . o a ay Payment Due Data .................................... May 05, 2006 To reduce or avoid paying additional finance charges on your purchase balance, pay the total now balance or $2,977.33 by OSA R6. Any cash balance or balance transfer balance will continue to accrue daily Interest until the date your payment is received. f t"$tAQ©nF P&f 1;1rte Ttjets t>i+h fl+rf Nlrr {hitp of That 0 Amount Payments 04103 04103 0136 PAYMENT THANK YOU .................................................... 48.00 CR and Credits Purchases, 0320 03/16 2972 TURKEY HILL 30236 Q69 MECHANICSBURG PA.......... 8.97 Advances, Debits 0320 03/18 0238 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.40 0321 03119 1582 TURKEY HILL 30236 069 MECHANICSBURG PA.......... 11.21 0321 03119 0072 PIZZA TOWN USA MECHANICSBURG PA ............... 6.68 0321 0320 8506 WENDYS81130 Q25 MECHANICSBURG PA ............. 11.60 0322 0320 7729 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 9.92 0323 0321 0147 AMOCO OIL 06955829 MECHANICSBURG PA............ 51.40 0323 0322 0421 WENDYS#1130 025 MECHANICSBURG PA ............. 8.01 0324 0322 9473 MCDONALD'S F15788 MECHANICSBURG PA........... 8.72 0327 0324 6855 EXXONMOBIL18 09988742 MECHANIC PA ............... 12.73 03/27 0324 0187 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.40 0327 0325 3947 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 9.45 0327 0325 0065 CAMP HILL ANIMAL HOSPI CAMP HILL PA ................. 220.91 0387 0325 6791 MCDONALD'S F15788 MECHANICSBURG PA........... 5.78 0327 0323 3398 TURKEY HILL #0236 Q69 MECHANICSBURG PA.......... 14.10 03/28 0326 0040 PIZZA TOWN USA MECHANICSBURG PA ............... 8.41 0328 0326 7885 EXXONMOBIL18 09988742 MECHANIC PA ............... 10.22 0328 0326 0183 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.40 0329 0327 0098 PIZZA TOWN USA MECHANICSBURG PA ............... 8.36 03130 0328 5579 TURKEY HILL $0236 Q69 MECHANICSBURG PA.......... 10.91 03/30 0328 2139 MCDONALD'S F15788 MECHANICSBURG PA........... 6.00 03/30 0329 0161 PIZZA TOWN USA MECHANICSBURG PA ............... 6.68 03/31 0329 0013 H & R BLOCK#37021 MECHANICSBURG PA .............. 185.00 Continued on Next Page DUPLICATE REPHNTED STATEMENT Please detach and send coupon with check payable to: U.S. Bank Innk. 0740061389200220470000090000002977336 N"StatS&rWGU Your Account Number. 4006 1 389 2002 2047 Total New Balanoe: $2,977.33 Minknum Payment Due. $90.00 To change your address or for Payrt»nf f7ua DIN. 0 !"nlillr,A9fmPat PpymRnf Cardmember 8ervloe please call: I""""mo 7 1-800-699-22al Every Hour) Every Day! May 05, 2006 w- r 00003694 STEPHANIE K SPOTTS U.S. Bank 1110 RIDGE DR MECHANICSBURG PA 17055-4483 IurlllrnlllunlrlrrL6rlnL6rllnlnJb„dlllnnrlil) P.O. Box 790408 St. Louis, MO 63179-0408 idlnulluulllndlrlrrlL???LJII?nfnlrlLnlnLrLdl I 1W_ PERFORMAKE VISA April Statement for activity from Mar. 14, 2006 through Apr. 10, 2006 Inquiries: 1.800-699-2281 STEPHANIE K SPOTTS Page 2 of 3 X111 'AIM R+l t3#r.Dfalir LYfir J0.11111, Amatu,M, 03x31 03/29 6869 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 8.43 04103 03131 0176 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.40 041103 04/01 1682 EXXONMOBILIS 09988742 MECHANIC PA ............... 10.96 04103 0350 0660 EXXONMOBILIB 09968742 MECHANIC PA ............... 15.08 04103 03131 0126 PIZZA TOWN USA MECHANICSBURG PA ............... 12.60 04104 04/02 1024 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 10.17 04/04 04102 0022 AMOCOOIL 06955629 MECHANICSBURG PA............ 63.15 04104 04/03 7072 WENDYS#1130 025 MECHANICSBURG PA ............. 9.49 04105 04/04 0197 PIZZA TOWN USA MECHANICSBURG PA ............... 8.36 04106 04/05 0098 CHARLES R FIELDS DDS MECHANICSBURG PA........ 450.00 04/07 04105 0962 RITE AID STORE 3613 MECHANICSBURG PA ............. 37.99 04107 04105 0962 RITE AID STORE 3613 MECHANICSBURG PA ............. 42.94 04107 04105 8955 MCDONALD'S F15788 MECHANICSBURG PA........... 7.05 04110 04107 5296 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 4.84 04/10 04/08 1360 RUBY TUESDAY #3961 MECHANICSBURG PA.......... 35.58 04/10 04/106 4558 EXXONMOBIL18 09988742 MECHANIC PA ............... 18.49 04/10 ANNUAL MEMBERSHIP FEE ............................................. 0.00 Finance Charges 04/10 -FINANCE CHARGE"' INTEREST ................................. 26.48 810"'i 00011111"" " #?R!lpw1 ? ] ?0 t1 (a`t>/7*tI? rrR err tylPt! P $IItQIR '?t1 h17I l dfd' ?1R /nfor"( iAPA N orlo tfnfad BALANCE TRANSFER $0.00 $0.00 0.044248% VARIABLE $0.00 16.16% 0.00% N PURCHASES $2,977.33 $2,137.80 0.044246% VARIABLE $26.48 16.16% 16.1x% Y ADVANCES $0.00 40.00 0.062301% VARIABLE $0.00 22.74% 0.00% N _ 7. • ' +?FX:UO IN NiN i . . d - .N rd -.bg c03ui34 N[, -,,,. acFv:'?t?g9!pwpy?7IIn IG 9 .I? I (hF7i: I HIN bal rd' SIN ^ ° ® 1 L7?, ° _ - .. I. airs ?.:uu: ......._ .n.:: x.... _...... ? _ 41+JJI`kW?i91lfi NIFN al Fni111NIuNII : ... . .. l:fillEll^I4:u ^n? . sn u n .......... _...._.... - s N'. 19 r7vuin. u: - Your Preferred Dealer is: APPALACHIAN H-D 6695 CARLISLE PIKE MECHANICSBURG, PA 17050 Points Available Last Statement .......................................................... 1,716 Redemption Activity .............................................................................. 0 Points Activity Standard Points ........................................................................................................ 1,432 Points Activity Sub-total ...... 1,432 Points Available ...................................................................................... 3,147 GENUINE REWARDS POINTS EXPIRE 3 YEARS FROM THE DATE EARNED. Please oontact the Genuine Rewards Order Uns for rewards redemption. Genuine Rewards Order Uns: 1.800.699.2281 (24 hours, 7 days it week) 1M P001,N ?t i S There are four easy ways to pay your Harley-Davidson Visa Card bill. Which one works best for you? With four convenient options, making your Barley-Davidson Visa Card payment is a snap. See the enclosed insert for details. Call H-D Visa Cardmember Service before you travel intemationally. Our state-of-the-art fraud prevention systems spring Into action whenever unusual account activity is noticed. An advance phone call from you lets us know that charges in Europe Canada or other locales where you are traveling are acceptable. In the U.S. call 800-699-2281; overseas or Canada, call collect 701-461.2931. Look here for important messages from your preferred Harley-Davidson dealer including upcoming events, special offers, and the latest H-D news. Your H-D dealer is listed each month on your billing statement along with their address. It you do not have a preferred H-D dealer listed, or R you would like to change your preferred dealer, call 800-699-2281. Each time you or a third party on your behalf, pays your bill by personal check, you authorize us to convert that payment into an electronic debit. If the check is processed electronically, the checking account will be debited for the amount on the check and the debit will appear on your account statement. If you have any questions, please contact us at the Inquiries phone number located on this statement. 40061389 2002 2047 Continued on Next Page 106 11 ? ? I ! H Gift pERFO MAONNCEVISA" April Statement for activity from Mar. 14, 2006 through Apr. 10, 2006 Inquiries: 1-800-898.2281 STEPHANIE K SPOTTS Page 3 of 3 44 RIM By Telephone: Send inquiries to: Send Payments to: Your Account Every Hourl Every Dayl Cardmember Service U.B. Bank Online: Voice: 1.800-899.2281 P.O. Box 8339 P.O. Box 790408 h•dvisa.oom Too: 1-800-848.2680 Fargo, NO 68126-6339 at Louis, MO 63179.0408 Fax: 1.888.640.2016 End of Statement STEPHANIE K SP07TS Genuine Rewards VOID You earned H-D Genuine Rewards points - Redeem them TODAY! Enjoy the benefits of Harley Chrome(TM) Cash. Call 1-800-699-2281 today to redeem our Genuine Rewards ppoints for Harley Chrome(TM) cash to use at participating, authorized Harley-Davidson(R) dealerships. Call 1-800.688-2281 today to redeem your points! Harley and thee Barrand Shield abpo a?d Harley Chrocme are U. the National oaf H-D Michiga , I008. All rights reserved Harley Davidson, H -D, ' i ! •I I ® H GH PERFORMANCE VISA' Mey Statement for activity from Apr. 11, 2006 through May 10, 2006 Inquiries:/-800.699-2281 STEPHANIE K SPOTTS BNK 2806 Pagel of 3 Activity Summary Previous Balance ................................. $2,977.33 Payments and Credits ......................... $90.00 Purchases Advances & Other Debits $1,201.44 FINANCE tHARQES ......................... $47.33 New Balance ....................................... $4,136.10 n[; RVU0 400 lugs zu4 f PEW Credit and Payment Information Credit Line ................................................... 19,800.00 Available Credit ........................................... 5 663.90 Minimum Payment Due Current Month)... $125.00 Minimum Payment Due (Past Due) ........... 10.00 Total New Minimum Payment Due.......... $128.00 Payment Due Date .................................... Jun. 04, 2006 To reduce or avoid paying additional finance charges on your puroha w balance, pay the total now balance of $4,136. 10 by OW4,06. Any cash balance or balance transfer balance will contlnue to accrue dally Interest until the date your payment is received. Path Tta»tk R.Rt C+1$ Q t 1$ t tt? # is Nbr i%. &urQr tl aa0a. Amlaunt Payments 05/01 05101 0101 PAYMENT THANK YOU .................................................... 90.00 CR and Credits Purchases, 04/11 04/09 7258 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 19.35 Advances, Debits 04/12 04/10 3365 MCDONALD'S F15788 MECHANICSBURG PA........... 7.88 04/12 04/10 0129 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.40 04/12 04/11 0180 PIZZA TOWN USA MECHANICSBURG PA ............... 8.36 04114 04/12 7900 EXXON MOBILI B 09988742 MECHANIC PA ............... 14.32 04/14 04/12 0026 AMOCO OIL 06955629 MECHANICSBURG PA............ 53.75 04/17 04/14 0804 TURKEY HILL #0236 Q69 MECHANICSBURG PA.......... 12.53 04/17 04/15 9432 EXXONMOBIL18 09988742 MECHANIC PA ............... 7.96 04/17 04/15 0223 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.40 04/17 04/13 1044 RITE AID STORE 3613 MECHANICSBURG PA ............. 19.46 04/17 04/13 0089 PIZZA TOWN USA MECHANICSBURG PA ............... 10.00 04/18 04/16 0010 CRACKER BARREL #550 MECHANICSBURG PA........ 36.36 04/18 04116 9902 EXXONMOSIL18 09988742 MECHANIC PA ............... 11.72 04/18 04/17 5123 WENDYS #1130 Q25 MECHANICSBURG PA ............. 10.02 04/19 04/17 7623 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 4.87 04/19 04117 0103 AMOCO OIL 06955629 MECHANICSBURG PA............ 23.75 0420 04/18 0340 MCDONALD'S F15788 MECHANICSBURG PA........... 8.88 0421 04119 5310 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 7.81 0421 04/19 1722 EXXONMOBILIB 09988742 MECHANIC PA ............... 11.28 0424 0422 0028 AMOCO OIL 06955629 MECHANICSBURG PA............ 67.20 0424 0420 7594 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 10.19 0424 0420 0012 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.40 0425 0423 4482 EXXONMOBIL18 09988742 MECHANIC PA ............... 7.56 DUPLICATE REPRINTED STATEMENT bTo change your address or for 0ardmember Service please call: 1.900-699.2281 Every Hourl Every Day! 0740061389200220470000125000004136104 00003756 STEPHANIE K SPOTTS 1110 RIDGE DR MECHANICSBURG PA 17055-4483 InrlllnrlllnnldnlJulnldnllulnrlluullllnudrll Conlin ued on Next Page Please detach and send coupon with check payable to: U.S. Bank U.S. Bank P.O. Box 790408 St. Louis, MO 63179-0408 lillrrrrllirrrlllarilrlrillirrrlrrlll?rilirlrllrrrlrrl?rlull ',' ', , HARLEY-DAVIDSON" ® HIGH PERFORMANCE VISA" Mey Statement for activity from Apr. 11, 2006 through May 10, 2006 STEPHANIE K SPOTTS Activity Summary Previous Balance ................................. $2,977.33 Payments and Credits ........................ $90.00 Purchases Advanoes 8 Other Debits $1,201.44 FINANCE CHARGES ......................... $47.33 New Balance ....................................... $4,136.10 Inquiries: 1-800-699-2281 BNK 2808 Page 1 of 3 Credit and Payment Information 47 800.00 Credit Line ................................................... R663-90 Available Credit ........................................... Minimum Payment Due Current Month)... 125.00 Minimum Payment Due (Past Due) ........... $Q.00 Total Now Minimum Payment Due.......... $12255.00 Payment Due Date .................................... Jun. 04, 2006 To reduce or avold paying additional finance charges on your pumhaaa balance, pay the total now balance of $4,136.10 by 0604R6. Any cash balance or balance transfer balance wilt oontlnue to accrue dally Interest unN the data your payment is received. Poi Rill `t$ttl l i)r1)f;$ MO. OR*. N(tr ?I_10hrOf otfan amount Payments 05/01 05/01 0101 PAYMENT THANK YOU .................................................... 90.00 CR and Credits Purchases, 04111 04/09 7258 TURKEY HILL #10236 069 MECHANICSBURG PA.......... 19.35 Advances, Debits 04/12 04/10 3365 MCDONALD'S F15788 MECHANICSBURG PA........... 7.88 04/12 04/10 0129 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.40 04112 04/11 0180 PIZZA TOWN USA MECHANICSBURG PA ............... 8.36 04/14 04/12 7900 EXXONMOBIL18 09988742 MECHANIC PA ............... 14.32 04/14 04/12 0026 AMOCO OIL 06955629 MECHANICSBURG PA............ 53.75 04/17 04/14 0804 TURKEY HILL 40236 069 MECHANICSBURG PA.......... 12.53 04/17 04115 9432 EXXONMOBIL18 09988742 MECHANIC PA ............... 7.96 04/17 04/15 0223 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.40 04/17 04/13 1044 RITE AID STORE 3613 MECHANICSBURG PA ............. 19.46 04/17 04/13 0089 PIZZA TOWN USA MECHANICSBURG PA ............... 10.00 04/18 04/16 0010 CRACKER BARREL 6550 MECHANICSBURG PA........ 36.36 04/18 04/16 9902 EXXONMOBILIB 09988742 MECHANIC PA ............... 11.72 04/18 04/17 5123 WENDYS #1130 025 MECHANICSBURG PA ............. 10.02 04/19 04/17 7623 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 4.87 04/19 04117 0103 AMOCO OIL 06955629 MECHANICSBURG PA............ 23.75 0420 04/18 0340 MCDONALD'S F15788 MECHANICSBURG PA........... 8.88 0421 04/19 5310 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 7.81 04121 04/19 1722 EXXONMOBIL18 09988742 MECHANIC PA ............... 11.28 04/24 0422 0028 AMOCO OIL 06955629 MECHANICSBURG PA............ 6720 0424 0420 7594 TURKEY HILL $0236 069 MECHANICSBURG PA.......... 10.19 0424 0420 0012 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.40 0425 0423 4482 EXXONMOBIL18 09988742 MECHANIC PA ............... 7.56 DUPLICATE REPRINTED STATEMENT C ban!6 To change your address or for Caldmember Service please call: 1 •aoo-699.2281 Every Hourl Every Dayl 0740061389200220470000125000004136104 00003755 STEPHANIE K SPOTTS 1110 RIDGE DR MECHANICSBURG PA 17055-4483 I1111111111111111111111111111111111111111111111111111111111111 Con fin ued on Next Page Please detach and send coupon with check payable to: U.S. Bank U.S. Bank P.O. Box 790408 St. Louis, MO 63179-0408 IIIIIIIIILIIIiII1111hI11111111Llllbllhlllllrlllnl1111111 ' l ! I ® HIGH PERFORMACE VISA May Statement for activity from Apr. 11, 2006 through May 10, 2005 Inquiries: 1-800-699-2281 STEPHANIE K SPOTTS Page 2 of 3 eirr 7utsrtiRC T'r?lt?alrtfOt? fah. Ljwt4 N6r L t?rorlptl tilTi?rrtasotMn AMOUnt 0425 0424 0058 CHARLES R FIELDS DDS MECHANICSBURG PA........ 203.00 0426 0424 0141 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.40 0426 04/24 5009 EXXONMOBIL18 09988742 MECHANIC PA ............... 9.60 0426 0425 0051 PIZZA TOWN USA MECHANICSBURG PA ............... 8.36 0427 0425 7039 TURKEY HILL #0236 Q69 MECHANICSBURG PA.......... 5.37 0428 04/26 1095 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 7.71 0428 0426 3436 PANERA BREAD #660 CAMP HILL PA ..................... 8.88 0428 0427 9006 PETSMART 00005827 E HARRISBURG PA ................ 13.54 05101 0427 4820 BEST WOK RESTAURANT HARRISBURG PA ........... 30.32 05101 0426 2373 TURKEY HILL #0236 Q69 MECHANICSBURG PA.......... 8.92 05101 0429 0018 AMOCOOIL 06955629 MECHANICSBURG PA............ 20.40 05101 0427 6855 EXXONMOBIL18 09988742 MECHANIC PA ............... 9.60 05101 0427 0136 AMOCOOIL 05955629 MECHANICSBURG PA............ 20.40 05102 04130 4845 MCDONALD'S F15788 MECHANICSBURG PA........... 8.88 05102 05/01 0137 PIZZA TOWN USA MECHANICSBURG PA ............... 8.36 05/03 05101 9840 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 14.81 05/03 05/01 0252 AMOCOOIL 06955629 MECHANICSBURG PA............ 20.40 05104 05/02 9365 EXXONMOBIL18 09988742 MECHANIC PA ............... 16.68 05104 05102 0891 MCDONALD'S F15788 MECHANICSBURG PA........... 6.41 05104 05103 0101 PIZZA TOWN USA MECHANICSBURG PA ............... 8.36 05105 05103 6354 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 7.59 05105 05/03 0030 AMOCO OIL 06955629 MECHANICSBURG PA............ 10.20 05108 05/05 4718 RUTTER'S FARM STRE #54 YORK PA .................... 13.07 05108 05105 0073 AMOCO OIL 06955629 MECHANICSBURG PA............ 50.40 05108 05/06 1278 RITE AID STORE 3613 MECHANICSBURG PA ............. 41.25 05108 05106 9964 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 12.09 05/08 05/06 0061 MOE'S BAR & GRILL INC MECHANICSBURG PA........... 11.00 05/08 05/06 1409 WINE & SPIRITS #2105 MECHANICSBURG PA ............. 23.30 05108 05107 0099 PIZZA TOWN USA MECHANICSBURG PA ............... 6.68 05108 05/04 9275 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 9.20 05108 05/05 0158 PIZZA TOWN USA MECHANICSBURG PA ............... 8.36 05109 05/07 2549 TURKEY HILL #0236 Q69 MECHANICSBURG PA.......... 9.32 05/09 05/7 0106 AMOCO OIL 06955829 MECHANICSBURG PA............ 20.40 05/10 05/08 0276 TGI FRIDAYS- HARRISBUR HARRISBURG PA ............. 81.23 05/10 05108 0127 ROOKIE'S SPORTS BAR HARRISBURG PA ............... 32.50 Finance Charges 05/10 "'FINANCE CHARGE-INTEREST ................................. 47.33 ? 111< #jC 13, Nttr AY# ?It li' l?tIi A$ta Col #R "W, Roo die:... ....'. ltarpr to TY?? ?ntpnr t APR Tbla l irlarl BALANCE TRANSFER $0.00 0.00 1 0.0442469E VARIABLE $0.00 16.169E 0.00% PURCHASES $4,136.10 6.93 $3,6 0.0442489E VARIABLE $47.33 16.169E 16.169E ADVANCES $0.00 $0.00 0.062301% VARIABLE $0.00 22.749E 0.00% 5YtiF '}u Ju r{ ?, w° ,; ??un kr - utr?sh. 'Tfl Your Preferred Dealer is: APPALACHIAN H•D 6695 CARLISLE PIKE MECHANICSBURG, PA 17050 Points Available Last Statement .......................................................... Redemption Activity .............................................................................. Points Activity Standard Points ........................................................................................................ Points Activity Sub-total ...... Points Available ...................................................................................... GENUINE REWARDS POINTS EXPIRE 3 YEARS FROM THE DATE EARNED. Please oontaot the Genulna Rewards Order Une for rewards redemption. Genuine Rewards Order Une: 1.800.699.2281 (24 hours, 7 days a week) 3,147 1,201 1,201 4,348 40061389 2002 2047 Continued on Next Page ' ' ' HARLEY-DAVIDSON" ® H?GN PERFORMANCE VISA May Statement for activity from Apr. 11, 2006 through May 10, 2006 Inquiries: 1-600.6811-2281 STEPHANIE K SPOTTS Page 3 of 3 ? . IN mi. 0-11M Earn more H-D Genuine Rewards points toward Harley Chrome Cash with additional cards. Your Harley-Davidson Visa card is your ticket to great gear-and now we've got an easy way to earn more. Add up to three additional cards for trusted family members and you will earn rewards from the net purchases they make. See enclosed insert for details. Harley-Davidson Visa Cardmember Service-available to you 24 hours a day, 7 days a week. Call us anytime at 1-806-699-2281. From checking on your balance to needing help during times of special credit needs such as moving or traveling, we're here to assist you whenever you need us. And thars a guarantsel Each time you or a third party on your behalf, pays your bill by personal check, you authorize us to convert that payment into an electronic debit. If the check is processed electronically, the checking account will be debited for the amount on the check and the debit will appear on your account statement. If you have any questions, please contact us at the inquiries phone number located on this statement. By Telephone: © Send Inquiries to: ® Send Payments to: Your Aaoount Every Hour! Every Deyl Cardnornber Service U.S. Bank Online: Volpe: 1-800-699-2281 P.O. Box 6338 P.O. Box 790408 h-dvisa.oom Too: 1.800.846-2880 Fargo, ND 88128-8339 St Louis, MO 63179-0408 Fax: 1.686-640-2016 End o/ 8taternent ' ' ' HARLEY-DAVIDSON" HIGH PERFORMANCE VISA° LW41 Is- June Statement for activity from May 11, 2006 through Jun. 12, 2006 Inquiries: 1-800-699-2281 STEPHANIE K SPOTTS BNK 2348 06 Page 1 of 3 Activity Summary Credit and Payment Information Previous Balance ................................. P d Cr dit t $4136.10 Credit Line ................................................... 125 00 A il ble Credit $12,800.00 $668320 s ........... aymen s an e n ............ t b .. ........................................... va . a e 2028 i m P 03 Mi nt D 1 s i ?e FINA re aE 6HARGES.. ?e rr n $ mu ame . n ue i Mi m Payment D ?n?? e (Past Due 50 00 .. . New Balarecs ..................................... .. ... mu n ) u $6,116.80 Total Now Minimum Payment Due.......... . $1 .00 Payment Due Date .................................... Jul. 07, 2006 To reduce or avokt paying additional finance charges on your purchase balance, pay the total now balance of $6,116.80 byVAVAX Any cash balance or balance transfer balance will continue to soma dally Interest until the date your payment is reoelved. Post .:7iM `t"I!< I Q111 Rpte ` Qa?ir >9?I• fflbr LMtaargotkxP of 'ratiaaetlop Amount: Payments 05fJ0 05130 0187 PAYMENT THANK YOU .................................................... 125.00 CR and Credits Purchases, 05111 05/09 1250 MCDONALDIS F15788 MECHANICSBURG PA........... 7.99 Advances, Debits 05/11 05/10 0086 PIZZA TOWN USA MECHANICSBURG PA ............... 8.36 05/11 05/10 0213 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.40 05112 05/10 4283 EXXONMOBIL18 09988742 MECHANIC PA ............... 9.84 05/15 05/13 4100 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 20.51 05115 05113 0212 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.40 05115 05/13 0117 PIZZA TOWN USA MECHANICSBURG PA ............... 6.68 05115 05/11 1321 RITZ: AID STORE 3613 MECHANICSBURG PA ............. 59.19 05/15 05/11 0506 MCDONALDIS F15788 MECHANICSBURG PA........... 10.11 05115 05/12 0043 PIZZA TOWN USA MECHANICSBURG PA ............... 8.36 05/16 05/14 5099 MCDONALD'S F15788 MECHANICSBURG PA........... 10.24 05/16 05115 4255 WENDYS #1130 025 MECHANICSBURG PA ............. 7.48 05117 05115 0129 AMOCO OIL 06955629 MECHANICSBURG PA............ 22.40 05117 05/16 0944 WINE & SPIRITS #2105 MECHANICSBURG PA ............. 23.30 05118 05/16 0838 TURKEY HILL #0236 Q69 MECHANICSBURG PA.......... 11.86 05118 05/17 0063 PIZZA TOWN USA MECHANICSBURG PA ............... 8.36 05/18 05/17 0080 CHARLES R FIELDS DDS MECHANICSBURG PA........ 626.20 05/19 05/17 0506 MC DONALD'S F15788 MECHANICSBURG PA........... 12.56 05/22 05/19 0157 QUIZNOS SUB #6802 MECHANICSBURG PA ............. 24.62 0522 0520 0054 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.40 0522 0520 0552 EXXONMOBILIS 09988742 MECHANIC PA ............... 14.51 0522 0520 0856 WINE & SPIRITS $2105 MECHANICSBURG PA ............. 25.18 0522 0521 3597 BAILEYS FARM MARKET HUMMELS WARF PA.......... 14.83 Continued on Next Page Please detach and send coupon with check payable to: U.S. Bank ban!6 To change your address or for Cadmsmber Service please call: 1-800-699.2281 Every Hour] Every Dayl 0740061389200220470000184000006116805 19692HP T19 PO STEPHANIE K SPOTTS 1110 RIDGE DR MECHANICSBURG PA 17055-4483 Imlllurlllnuldnl?lnlnl1Irrl1nlrnllnrril Ilunrl?ll U.S. Bank P.O. Box 790408 St. Louis, MO 63179-0408 lillrurll??ulllnrllrlnlliri?lrrlllir,lnl,lli??luliil??l I ' HARLEY•DAVIDSON® NIGH PERFORMANCE VISA June Statement for activity from May 11, 2006 through Jun. 12, 2006 Inquiries: 1-800-699-2281 STEPHANIE K SPOTTS Page 2 of 3 Tirol wl..oonw: EXit/i ?? .. NbT l3t?l?'Jfrofft?n l?F. If'?p?attOlr . RmOMt 0522 05/18 5070 TURKEY HILL #0236 Q69 MECHANICSBURG PA.......... 13.72 0522 05/18 0066 AMOCO OIL 06955629 MECHANICSBURG PA............ 52.76 0524 0522 1384 EXXONMOBIL18 09988742 MECHANIC PA ............... 17.37 0525 0523 3162 MCDONALD'S F15788 MECHANICSBURG PA........... 8.42 0525 0523 2423 EXXONMOBILIS 09988742 MECHANIC PA ............... 8.49 0525 05/23 0246 AMOCO OIL 06955629 MECHANICSBURG PA............ 50.40 0525 0524 0106 PIZZA TOWN USA MECHANICSBURG PA ............... 8.36 0526 0524 6863 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 11.55 05/30 0528 0780 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 13.08 05410 05/26 3300 WENDYS #1130 Q25 MECHANICSBURG PA ............. 5.81 05/30 0527 5434 WENDYS #1130 Q25 MECHANICSBURG PA ............. 6.63 05/30 0527 4987 EXXONMOBIL18 09988742 MECHANIC PA ............... 15.36 05/30 0527 0145 PIZZA TOWN USA MECHANICSBURG PA ............... 6.68 05130 0527 0672 WINE & SPIRITS #2105 MECHANICSBURG PA ............. 27.05 05/30 05/'25 6398 TURKEY HILL #0236 Q69 MECHANICSBURG PA.......... 8.66 05130 0525 3726 EXXONMOBIL18 09988742 MECHANIC PA ............... 12.07 05130 0525 0106 AMOCO OIL 06955829 MECHANICSBURG PA............ 20.40 05/31 05/30 0099 PIZZA TOWN USA MECHANICSBURG PA ............... 8.36 06/01 05/30 0606 TURKEY HILL #0236 Q69 MECHANICSBURG PA.......... 11.73 06102 05/31 4664 TURKEY HILL #0236 Q69 MECHANICSBURG PA.......... 11.03 06/02 05/31 0025 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.40 06102 05131 8460 PANERA BREAD #660 CAMP HILL PA ..................... 10.36 06102 06/01 0121 PIZZA TOWN USA MECHANICSBURG PA ............... 6.68 06/05 0527 0121 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.40 06/05 06/02 0845 FIT 15 BEVERAGE EXPRESS DILLSBURG PA ............. 16.25 06/05 06/02 8244 EXXONMOBIL18 09988742 MECHANIC PA ............... 9.66 06/05 06/01 1531 RITE AID STORE 3613 MECHANICSBURG PA ............. 8.82 06/05 08/02 0245 PIZZA TOWN USA MECHANICSBURG PA ............... 8.36 06/06 06103 0959 DAVENPORTS ITALIAN OVE MECHANICSBURG PA.... 16.31 06106 05/04 9506 EXXONMOSIL18 09988742 MECHANIC PA ............... 19.52 06/07 06/05 4534 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 13.84 06107 06/05 0042 AMOCO OIL 06955629 MECHANICSBURG PA............ 21.80 06109 06/07 0748 WESTY BEER DIST INC CAMP HILL PA .................... 21.72 06/09 06/07 0338 MCDONALD'S F15788 MECHANICSBURG PA........... 5.28 06109 06107 0217 AMOCO OIL 06955629 MECHANICSBURG PA............ 21.75 08112 06/09 0179 MCDONALD'S F15788 MECHANICSBURG PA........... 4.97 06112 06/09 2423 B.C. RIVERS AUTOMOTI MECHANICSBURG PA.......... 402.04 06/12 06/10 2274 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 11.64 06/12 06/10 0032 CRACKER BARREL #550 MECHANICSBURG PA........ 29.39 06/12 06/10 0072 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.40 06/12 06/11 4546 WENDYS#1130 Q25 MECHANICSBURG PA ............. 6.23 06/12 05/08 9167 SUNOCO SVC STATION CAMP HILL PA .................. 12.14 06/12 06109 0097 PIZZA TOWN USA MECHANICSBURG PA ............... 8.36 FMance Charges 06/12 'FINANCE CHARGE'"INTEREST ................................. 77.67 IN 01 51-- -91, '10111 1 N:_:._. BALANCE TRANSFER $0. 00 $0.00 0.044931% VARIABLE $0.00 16.40% 0.00% PURCHASES $6,116.80 $5,238.86 0.044931% VARIABLE $77.67 16.40% 18.409E ADVANCES $0.00 $0.00 0.0629889E VARIABLE $0.00 22.999E 0.009E Hat"rrril:;rn ?fenuns Ftpwa Your Preferred Dealer iS: APPALACHIAN H-D 6695 CARLISLE PIKE MECHANICSBURG, PA 17050 Points Available Last Statement .......................................................... 4,348 Redemption Activity .............................................................................. 0 Points Activity Standard Points ........................................................................................................ 2,028 4006 1 389 2002 2047 Contlnued on Next Pape ' 01mmill"I e t?ll? H`PERfQRDMCE VISA" June Statement for activity from May 11, 2006 through Jun. 12, 2006 Inquiries: 1-800-699-2261 STEPHANIE K SPOTTS Page 3 of 3 .. titp?*# :_?W1't RAM Poirits Activity Sub-total ...... 2,928 Points Available ...................................................................................... 6,376 GENUINE REWARDS POINTS EXPIRE 3 YEARS FROM THE DATE EARNED. Please contact the Genuine Rewards Order Una for rewards redemption. Genuine Rewards Order Una: 1.800.699.2281 (24 hours, 7 days a week) H?q!?a _ ?i u,N aI H • ?{? - ? ;• ?n i m NOR. 111.1"N 51 ?c1. a 11 ? m ?? .._ _._?. • PoErl?h ? ? . ? Congratulationsl As a valued customer, we are pleased to advise you that we have raised your credit line $3000. Your new credit line appears on this statement. Every time you use your Harley-Davidson Visa Card you have a chance to win a new motorcycle.' All you have to do is use you H-D Visa Card and every dollar you spend gives you an automatic entry into the monthly sweepstakes. So, whether you're riding off into the sunset or walking into the grocery store, don't forget to use your H-D Visa Card. 'NO PURCHASE NECESSARY. For details, see the Official Rules enclosed for how to enter. Redeem your Harley Chrome Cash before its too late. Just check your statement for your points balance, then call 1-800-699-2281 to redeem your H-D Genuine Rewards points today. Points and certificates expire, so don't hang on to them too long. Your H-D Genuine Rewards points expire three years' after you earn them. Once issued, your Harley Chrome Cash certificates expire 90 days after you receive them. 'Points awarded but not redeemed will expire 3 years from the date the points were awarded to your Account on December 31 of the expiration year. Now there's an easy way to ensure that you never miss a payment or pay a late fee, even while you're traveling. Sign up for AutoPay and your H-D Visa Card bill will be automatically paid from your checking or savings account, on time, every month. It's easy, it saves time and best of all, its free. Just call Cardmember Service at 1-800-699-2281 to request a form. STU RGIS ROOMS GOING FAST: Harley-Davidson has rooms at Sturgis just for H-D riders. Don't miss out. Book a room now atwww.harley-davidson.com/experience. SHIP YOUR BIKE WITH HARLEY-DAVIDSON: Can't ride to a rally? Let Harley-Davidson Motorcycle Shipping get your bike there-hassle free-anywhere in the U.S. (incl. Alaska & Hawaii) and Canada. Door-to-door service and 24-hr tracking. Get a free, instant quote at www.harley-davidson,com/shipping. Each time you or a third party on your behalf, pays your bill by personal check, you authorize us to convert that payment into an electronic debit. I the check is processed electronically, the checking account will be debited for the amount on the check and the debit will appear on your account etatementt! If you have any questions, please contact us at the Inquiries phone number located on this statement. By Telephone: Send Inquiries to: ® Send Payments to: ? Your Account Every Hourl Every Dayl Cardmember Service U.B. Bank Online: Voice: 1.800.699.2281 P.O, Box 6339 P.O. Box 790408 h-dvisa.oom TOO: 1.800.846-2680 Fargo, ND 68126.6339 St. Louis, MO 63179.0408 Fax: 1-866-640-2016 End of Statsnwnf ' , ' ', , NARLEY•DAVIDSON" ® HIGH PERFORMANCE VISA N JStatement for activity from Jun. 13, 2006 through Jul. 12, 2006 Inquiries: 1-800-699-2281 SIP HANIE K SPOTTS BNK 23806 Page 1 of 3 Activity Summary PaPrevis and Credits ......................... $6J186 64 Purchases Advances & Other Debits $1,454.94 FINANCE 6HARGES ......................... 93.48 New Balance ....................................... $7,478.58 Credit and Payment Information Credit Line ................................................... $12800.00 Available Credit ........................................... $5321.42 Minimum Payment Due Current Month)... 225.00 Minimum Payment Due (Past Due) ........... 0.00 'Total New Minimum Payment Due.......... $5.00 Payment Due Date .................................... Aug. 06, 2006 To reduce or avoid paying edditlonal finance ohargea on your purchase balance, pay the total new balance or $7,478.58 by 082626. Any cash balance or balance transfer balance will oonNnue to accrue daily interest until the date your payment to received. ores Aptt 7#1M tlaf4: 1R?t Nhr L3ttAc ittl ral! aNarofir rt rrQUnf Payments 06/23 06/21 9714 WENDYS#1130 Q25 MECHANICSBURG PA ............. 2.64 CR and Cradlts MERCHANDISE/SERVICE RETURN 07/03 07/03 0010 PAYMENT THANK YOU .................................................... 184.00 CR Purchases, 06/13 06/12 3862 WENDYS#1130 Q25 M EC HAN ICSBU RG PA ............. 4.83 Advances, Debits 06/14 06112 1645 RITE AID STORE 3613 MECHANICSBURG PA ............. 48.58 06114 06/12 1645 RITE AID STORE 3613 MECHANICSBURG PA ............. 47.48 06/14 06/12 0455 RT 15 BEVERAGE EXPRESS DILLSBURG PA............ 24.81 06114 06/12 4150 EXXONMOBILI8 09988742 MECHANIC PA ............... 11.59 06116 06/14 1056 WESTY BEER DIST INC CAMP HILL PA .................... 19.60 06116 06114 6047 MCDONALD'S F15788 MECHANICSBURG PA........... 8.88 06116 06/14 0245 AMOCO OIL 06955629 MECHANICSBURG PA............ 35.11 06/19 06/16 1701 YE OLDE ALE HOUSE MECHANICSBURG PA........... 22.00 06/19 06/16 1682 RITE AID STORE 3613 MECHANICSBURG PA ............. 10.21 06/19 06/17 0144 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.40 06/19 06/15 2197 TURKEY HILL 80236 Q69 MECHANICSBURG PA.......... 15.43 06/19 06115 1353 SILVER SPRING BEVERAGE MECHANICSBURG PA.... 21.72 06/19 06/15 0234 AMOCO OIL 06955629 MECHANICSBURG PA............ 21.80 06/19 06/16 0058 PIZZA TOWN USA MECHANICSBURG PA ............... 8.36 06!19 06116 0730 WINE & SPIRITS 02105 MECHANICSBURG PA ............. 15.47 0620 06/18 6849 MCDONALD'S F15788 MECHANICSBURG PA........... 6.73 06/21 06/19 0448 WESTY BEER DIST INC CAMP HILL PA .................... 17.48 0621 06/19 8699 EXXONMOBILIB 09988742 MECHANIC PA ............... 22.71 0621 06/20 2591 WENDYS *1130 Q25 MECHANICSBURG PA.... ......... 5.48 0621 06/20 6928 SYM'SYMANTEC 877-288-7732 CA ....................... 52.99 0622 0620 0056 AMOCOOIL 06955629 MECHANICSBURG PA ............ 21.80 Conh'nuod on Next Page Please detach and send coupon with check payable to: U.S. Bank C lmn!?. To change your address or for Gardmember service please call: 1-800-699-2281 Every Hourl Every Dayl 0740061384200220470000225000007478585 19412HP T19 PO STEPHANIE K SPOTTS 1110 RIDGE DR MECHANICSBURG PA 17055-4483 Your Account Number. 4006 1389 2002 2047 Total Now Balance. $7,478.58 Minimum Payment Due. $225.00 Paym+rttf:Ehr4 Data . ! :LMOr Amau it 41VTi ani i! tlali irta Aug. 06, 2006 U.S. Bank P.O. Box 790408 St. Louis, MO 63179-0408 HARIEY-DAVIDSON® ® HIGH PERFORMANCE VISA July Statement for activity from Jun. 13, 2006 through Jul. 12, 2006 Inquiries: 1-800-599-2281 STEPHANIE K SPOTTS Page 2 of 3 ltn>t??? ?f? ?r? ....: t1!itf?!1??iA.?T?11f131?ptlFin At?na?tp# TO 0623 0621 0822 WESTY BEER DIST INC CAMP HILL PA .................... 19.60 0623 0621 9891 WENDYS#1130 Q25 MECHANICSBURG PA ............. 2.64 0623 0621 9974 WENDYS#1130 025 MECHANICSBURG PA ............. 6.53 0623 0622 0804 WINE & SPIRITS #2105 MECHANICSBURG PA ............. 15.47 0626 0624 1271 WESTY BEER DIST INC CAMP HILL PA .................... 19.60 0626 0622 0108 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.40 0626 0622 0883 EXXONMOBIL18 09988742 MECHANIC PA ............... 18.01 0627 0625 0146 AMOCOOIL 06955629 MECHANICSBURG PA............ 24.19 0627 0626 0080 PIZZA TOWN USA MECHANICSBURG PA ............... 8.36 0628 0626 0013 EXXONMOBIL18 09988742 MECHANIC PA ............... 14.10 0628 0626 0131 AMOCOOIL 06955629 MECHANICSBURG PA ............ 41.55 0629 0627 0128 FIT 15 BEVERAGE EXPRESS DILLSBURG PA ............ 21.27 0629 0627 0177 ARBY'S #6766 00067660 DILLSBURG PA ................... 6.35 06x30 0628 4937 EXXONMOSIL18 09988742 MECHANIC PA ............... 12.81 07103 06/30 1496 MORGAN'S PLACE HARRISBURG PA ................... 20.54 07103 07/01 9899 BROWNSTONE LOUNGE HARRISBURG PA........... 25.26 07103 0629 0050 WESTY BEER DIST INC CAMP HILL PA .................... 19.60 07/03 0629 6006 EXXONMOBIL18 09988742 MECHANIC PA ............... 12.81 07/03 0629 0170 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.40 07/05 07/03 1855 RITE AID STORE 3613 MECHANICSBURG PA ............. 23.03 07/05 07/03 4632 APPLEBEE'S MEC07201007 MECHANICSBURG PA..... 18.00 07/05 07102 1786 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 11.90 07/05 07/02 0185 AMOCO OIL 06955829 MECHANICSBURG PA............ 21.75 07/05 07M3 0261 WENDYS #1130 025 MECHANICSBURG PA ............. 2.31 07/05 07103 0345 WENDYS #1130 025 MECHANICSBURG PA ............. 2.00 07/06 07/04 0089 WESTY BEER DIST INC CAMP HILL PA .................... 23.72 07/06 07/05 0113 PIZZA TOWN USA MECHANICSBURG PA ............... 8.36 07/06 07105 7074 WENDYS #1130 025 MECHANICSBURG PA ............. 5.58 07/07 07/05 0046 LE PERA ENTERPRISES IN 818-767-5110 CA ............... 386.85 07/07 07/05 0173 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.40 07110 07/07 0530 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 15.82 07/10 07/08 0044 AMOCO OIL 06955629 MECHANICSBURG PA............ 21.75 07/10 07/06 0073 AMOCO OIL 06955629 MECHANICSBURG PA............ 40.20 07/10 07/06 3350 PANERA BREAD #660 CAMP HILL PA ..................... 8.88 07/11 07/09 8027 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 9.97 07/12 07110 3995 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 10.02 07112 07/10 4772 MCDONALD'S F15788 MECHANICSBURG PA........... 6.29 07/12 07/11 0779 WENDYS #1130 025 MECHANICSBURG PA ............. 4.31 07/12 07/11 0239 AMOCOOIL 06955629 MECHANICSBURG PA............ 20.85 Finance Charges 07112 "'FINANCE CHARGE"'INTEREST ................................. 93.48 ? #1 " l rt l'3f B?rHe a l .;M fioN. .. orrt?p Ay '** !i'` Gnoo4 sAlatta?rtr - rlatwii ??'RS?i?dr4rtl<ttf T?'R /nftrtRrf APR Tlrh PMr1od Firrl4d BALANCE TRANSFER PURCHASES 10.00 $7,478.58 $0.00 0.046616% VARIABLE 1D.00 16.65% 16,83129 0.046816% VARIABLE $93.48 16.66% 0.00% N 16.65% Y ADVANCES 10 .00 #0.00 0.063671% VARIABLE $0.00 23.24% 0.00% N Mi ry- ?r? QenrWI- *war, Your Preferred Dealer is: APPALACHIAN H-D 6695 CARLISLE PIKE MECHANICSBURG, PA 17050 Points Available Last Statement .......................................................... Redemption Activity .............................................................................. Points Activity Standard Points ........................................................................................................ Points Activity Sub-total ...... Points Available ...................................................................................... 6,378 1,462 1,462 7,828 4006 1 389 2002 2047 Continued on Next Page IN! ' h mw HARIEY-DAVIDSON° LWO NIGH PERFORMANCE VISA w4 July Statement for activity from Jun. 13, 2006 through Jul. 12, 2006 Inquiries: 1-800-699-2281 STEPHANIE K SPOTTS Page 3 of 3 GENUINE REWARDS POINTS EXPIRE 3 YEARS FROM THE DATE EARNED. Please contact the Genuine Rewards Order Line for rewards redemptlon. Genuine Rewards Order Une: 1-800.699.2281 (24 hours, 7 days a week) w si. _ r isn r i . ' ay =!s!y?°q ain?t?. W i ? 9idM! !N ':ivyiFS;ifll'•liy?ry la °t..j - Mi_n iwf , nuryi c Hipp, M _ i! : flc ;;?.n 1 '" •+? b.rx ;:3 . .°I'z ,,, N„??.?,:•i. • ?is: ."I??,Nj1,. rg: h t FuM.J:, ::ii?iulx':$I t , : a,h. ;I"tii.`=.e;!i; i? „ N N • My riE'v'v'N ! yI ,c„ n 3HI% i7Y Fi of •?N? "',?' wi3lUR2? , aaw:ia:hr :: :a Go where you want - and use your Harley-Davidson Visa card for all your stops along the way. Every time you use your HanlDavidson Visa card you earn H-D Genuine Rewards points. Once you have 2,500 points, you can turn them in for $9 in Harley Chrome Cash that can be used for motorcycle gear, H-D MotorClothes apparel, maintenance and more. Going to Sturgis? Your H-D Visa card offers card security for travelers. Ira the safest way to pay for all your purchases. Your H-D Visa card provides security features that protect your identity and prevent fraud and unauthorized use. See this and other services offered in the enclosed insert. Redeem your Harley Chrome Cash before its too late. Just check your statement for your points balance, then call 1-800-699-2281 to redeem your H-D Genuine Rewards points today. Points and certificates expire, so don't hang on to them too long. Your H-D Genuine Rewards points expire three years' after you earn them. Once issued, your Harley Chrome Cash certificates expire 90 days after you receive them. Points awarded but not redeemed will expire 3 years from the date the points were awarded to your Account on December 31 of the expiration year. Each time you or a third arty on your behalf, pays your bill b personal check, you authorize us to convert that payment into an electronic debit. I the check is processed electronicall the checking account will be debited for the amount on the check and the debit will appear on your account statemen . It you have any questions, please contact us at the Inquiries phone number located on this statement. V,:: 000 By Telephone: Send Inquiries to: ® Send Payments to: Your Aocount Every Hour! Every Day! Cardmember Service U.S. Bank Online: Voice: 1-800-699.2281 P.O. Box 6339 P.O. Box 790408 h-dviso.oom TDD: 1-800.848-2680 Fargo, ND 68125.6339 at Louis, MO 63179-0408 Fax: 1.866-640.2015 End of Statement . INA, I -I I H GHIPERFORMN CE VISAO Must Statement for activity from Jul. 13, 2006 through Aug. 09, 2006 Inquiries: 1-800-699-2281 PHANIE K SPOTTS 13NK 36806 Page 1 of 2 AiOCQf 1[11149045; 1389 r't"t1gZZU47 Activity Summary Credit and Payment Information Previous Balance .................. ............ $7478.58 Credit Line ............ ,...................................... $12,800.00 Payments and Credits ......................... J225.00 Available Credit........................................... $4 248.42 Purchases Advances 8 Other Debits $1j194.54 Minimum Payment Due Current Month)... $x257.00 FINANCE EHARGES ......................... 103.46 Minimum Payment Due f Past Due) ........... 0.0New Balance ....................................... $8,551.58 Total New Minimum Payment Due.......... $217.000 Payment Due Date .................................... Sep. 03, 2006 To reduce or avoid paying additional finance chargee on your purchase balance, pay the total now befanos of $6,661.68 by 09A73A76. Any cash balance or balance transfer balance will continue to accrue daily interest until the date your payment Is recelved I'Bt?II CI??QI<t$ P4 ,n4n+fr bite :;n*N . '.'. Nfir vealw Ott z't "W. "i-o an Amount Payments 08/04 08104 PAYMENT THANK YOU .................................................... 225.00 CR and Credits Purchases 07/13 07/11 0748 WESTY BEER DIST INC CAMP HILL PA .................... 28.61 , Advances, Debits 07/13 07/12 0662 WEN DYS #1130 025 MECHANICSBURG PA ............. 5.27 03 65 07/17 07/13 1952 RITE AID STORE 3613 MECHANICSBURG PA ............. . 07/17 07/13 3269 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 10.19 07117 07/14 0228 AMOCOOIL 06955629 MECHANICSBURG PA............ 61.80 07/19 07/17 0823 WESTY BEER DIST INC CAMP HILL PA .................... 21.72 07/19 07/17 0162 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.70 0720 07/18 2008 RITE AID 87783 M ECHAN ICSBU RG PA .................... 35.96 0724 0722 0539 WESTY BEER DIST INC CAMP HILL PA .................... 29.50 0724 0722 2401 F&L ENTERPRISES WETUMPKA AL ..................... 14.00 0724 0722 2581 WHITES HARLEY-DAVIDSON LEBANON PA ............. 70.00 0724 07/19 0873 OUTBACK #3921 MECHANICSBURG PA ................ 32.04 0724 0720 9666 EXXONMOSIL18 09988742 MECHANIC PA ............... 18.74 0724 0720 0047 AMOCOOIL 06955629 MECHANICSBURG PA............ 20.40 0725 0723 0222 AMOCO OIL 06955629 MECHANICSBURG PA............ 46.60 0727 0725 8018 SUPERPETZ#327 MECHANICSBURG PA ............... 91.23 0727 0725 2071 RITE AID STORE 3613 MECHANICSBURG PA ............. 6.88 0727 0725 2071 RITE AID STORE 3613 MECHANICSBURG PA ............. 23.11 0727 0726 0146 AMOCO OIL 06955629 MECHANICSBURG PA............ 21.75 0728 0726 0085 WESTY BEER DIST INC CAMP HILL PA .................... 21.72 07131 0728 0989 MORGAN'S PLACE HARRISBURG PA ................... 96.34 07131 0728 5105 WENDYS #1130 025 MECHANICSBURG PA ............. 6.32 07x31 0728 0050 AMOCO OIL 06955629 MECHANICSBURG PA............ 67.25 Continued on Next Page Please detach and send coupon with check payable to: U.S. Bank C lmn!?. A"SW$Wd eGWTo ohangs your address or for Cardmsmber 8srvloe please call: 1-800-699.2281 Every Hourl Every Dayl 0740061389200220470000257000008551589 23375HP T39 P1 STEPHANIE K SPOTTS 1110 RIDGE DR MECHANICSBURG PA 17055-4483 In?lllrirlllrrnlrliil?lrrl?rlil?rlli?li?rllrrrillllrriulrll Your Account Number: 4006 1 389 2002 2047 Total New Balance: $8,551.58 Minbnum Payment Pup: $257.00 Sep. 03, 2006 U.B. Bank P.O. Box 790408 St. Louis, MO 63179.0408 11111111114111111114111111111111111111111 NARLEY•gA TOO m HIGH PERFORMANCE VISA" Y' 'w MA August Statement for activity from Jul. 13, 2006 through Aug. 09, 2005 Inquiries: 1-800-699-2281 S STEPHANIE K SPOTT Page 2 of 2 `E €t#l $Iptl$ ` r 6r ir. : onto & I3esalpf oa 1a(:T?ttteattanl Amount 07/31 0786 0540 OUTBACK#3921 MECHANICSBURG PA ................ 57.07 07/31 0727 4496 EXXONMOSIL18 09988742 MECHANIC PA ............... 12.45 08/01 0729 0082 MEMPHIS BLUES BAR-B-QU MECHANICSBURG PA.... 29.11 08/02 07131 4450 WEIS MARKETS 858 SH MECHANICSBURG PA.......... 18.59 08/02 07/31 4468 WEIS MARKETS 858 SH MECHANICSBURG PA.......... 21.16 08103 08102 1208 LL BEAN MAILORDER VISA 800-3414341 ME ............... 20.90 08/04 08/02 2154 RITE AID STORE 3613 MECHANICSBURG PA ............. 16.81 08/04 PHONE PAYMENT SERVICE CHARGE ........................... 10.00 08147 08104 2310 APPLEBEE'S MEC07201007 MECHANICSBURG PA..... 19.44 081107 08/04 9537 EXXONMOBIL18 09988742 MECHANIC PA ............... 5.91 08/07 08/04 4629 MCDONALDIS F15758 MECHANICSBURG PA........... 4.44 08/07 08/05 5668 PANERA BREAD 8660 CAMP HILL PA ..................... 18.49 08/07 08103 0072 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.40 08/08 08/07 8802 WENDYS81130 025 MECHANICSBURG PA ............. 4.63 06/09 08107 2207 RITE AID STORE 3613 MECHANICSBURG PA ............. 18.67 08/09 08107 0095 AMOCOOIL 06955629 MECHANICSBURG PA............ 20.40 08/09 08/08 6037 SIERRA TRADING POST 800-7134534 WY ................. 79.91 Flrtance Changes 08/09 .*"FINANCE CHARGE"'INTEREST .......... ....................... 103.46 111 U." i'+fr> :; ay afrd fir! Corr+ap „+ t f# r lo l4 7 lbd l?G d ! * 1!µ/ h P ItIlDrrie: 1htMn?#r rr d /a i r BALANCE TRANSFER $0.00 $0.00 0.045616% VARIABLE $0.00 16.657E 0.00% N PURCHASES $8,651.68 $8,100.28 0.045616% VARIABLE $103.46 16.65% 16.66% Y ADVANCES $0.00 $0.00 0.063671% VARIABLE $0.00 23.24% 0.00% N !. . - ri ip,?" i.7 ((QQ[ [Gh ???,,i???(?( in F a1?rr.??.F°•'n E US ? i I • _ E - !p '? - - iiili? MOP ,yC1 ?gg u!C! ?yy? ??qp : NISi MIU11: ?7'1 !" l 'G f !ZCu ll ivin 5u iS : C ti? i ! ? " MCIk!CC!!C !C' fCL !Y!iH C :. . ? :4 1 C.IH J C !f !HH i .i i? .1 ::Y 4 .y iv ...w..::N F. -. : u : :. ..: . c .:..r. Your Preferred Dealer is: APPALACHIAN H-D 6695 CARLISLE PIKE MECHANICSBURG, PA 17050 Points Available Last Statement .......................................................... 7,828 Redemption Activity .............................................................................. 0 Points Activity Standard Points ........................................................................................................ 1,186 Points Activity Sub-total ...... 1,186 Points Available ...................................................................................... 9,013 GENUINE REWARDS POINTS EXPIRE 3 YEARS FROM THE DATE EARNED. Pleas contact the Genuine Rewards Order Una for rewards redsmption. Genuine Rewards Order Line: 1.800.699.2281 (24 hours, 7 days a week) f? For every dollar you spend on the card in net purchases, you earn one Genuine Rewards point. Redeem every 2,500 points you earn for a 825 Harley Chrome Cash certificate, good at any participating, authorized Harley-Davidson dealer. Just call 1.800-699-2281 when you're ready to redeem your points for Harley Chrome Cash. Each time you or a third party on your behalf, pays your bill by personal check, you authorize us to convert that payment into an electronic debit. It the check is processed electronically, the checking account will be debited for the amount on the check and the debit will appear on your account statement. If you have any questions, please contact us at the Inquiries phone number located on this statement. End or Statement NARLEY-DAVIDSONe HIGH PERFORMANCE VISA September Statement for activity from Aug. 10, 2006 through Sep. 12, 2006 Inquiries :1-800.699.2281 STEPHANIE K SPOTTS BNK 23806 Page 1 of 3 Activity Summary Previous Balance ................................. $8551.58 Payrnenffi and Credits ......................... 257.00 Purchases Advances 8 Other Debits $1402.13 FINANCE bHAROES ......................... 4147.08 Nsw Balance ....................................... $9,843.79 :... ?t??r??t ?1C 0 ; A c'0,#ht. 4006 1389 1Q? 2p47 - Credit and Payment Information Credit Line ................................................... $12,800.00 Available Credit ........................................... $2,956.21 Minimum Payment Due Current Month)... (P t D i P t D Mi $296.00 $0 00 ue) ........... aymen as mum ue n Total New Minimum Payment Due.......... . 6206.00 Payment Due Date .................................... Oct. O7, 2006 To reduce or avoid pay/ng addltlonal finance charges on your purchase balance, pay the total now balance of $9,843.79 by 10,7746 Any cash balance or balance trane1w balance w111 continue to soma dally interest until the date your payment 1s received. Est !T?tht R41 T- #fl t lr1l11S RQIe Albr lfi?se?r> ta>n Tr st?ttq a/rtaur1. Payments 09/05 09/04 ONE PAYMENT THANK YOU ..................................................... 257.00 CR and Credits Purchases, 08/10 08/08 0022 APPALACHIAN HARLEY DAV CARLISLE PIKE PA......... 238.45 Advatrces,Deb/ts 08/10 08/08 0269 MCDONALD'S F15788 MECHANICSBURG PA........... 8.88 08110 08/08 1926 EXXONMOBIL18 09988742 MECHANIC PA ............... 20.74 08/10 08/08 0068 AMOCO OIL 06955629 MECHANICSBURG PA............ 10.96 08111 08/09 0567 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 10.86 08111 08/09 0238 AMOCOOIL 06955629 MECHANICSBURG PA............ 20.40 08/14 08/11 0102 AMOCOOIL 06955629 MECHANICSBURG PA............ 21.75 08/14 08/12 8048 TJMAXX 90720 MECHANICSBURG PA ................... 62.44 08/14 08112 0045 APPALACHIAN HARLEY DAV CARLISLE PIKE PA......... 272.95 08/14 08/13 0935 WENDYS#1130 025 MECHANICSBURG PA ............. 14.01 08/15 08/13 1043 THE PEPBOYS 00000216 MECHANICSBURG PA......... 18.52 08/16 08/14 5509 EXXONMOBILIS 09988742 MECHANIC PA ............... 10.54 08117 08/15 2282 RITE AID STORE 3613 MECHANICSBURG PA ............. 45.86 08/18 08/16 0127 AMOCOOIL 06955629 MECHANICSBURG PA ............ 21.75 08/18 08/16 5753 PANERA BREAD 9660 CAMP HILL PA ..................... 15.43 08/18 08/16 5795 PANERA BREAD #1660 CAMP HILL PA ..................... 5.77 08/18 08/17 7123 WENDYS#1130 025 MECHANICSBURG PA ............. 6.96 08/21 08A9 0056 PIZZA TOWN USA MECHANICSBURG PA ............... 8.43 08/21 08119 0200 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.80 08/21 0820 8895 WENDYS#1130 025 MECHANICSBURG PA ............. 5.91 0823 080 9601 EXXONMOSIL18 09988742 MECHANIC PA ............... 6.85 0823 0821 8891 LOWE'S #1710 CARLISE PA. .............................. 28.56 0823 0821 0014 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.40 Continued on Next Page banLt, To change your addreee or for Cardmember Servioe please oall: 1.800-699.2281 Every Hourl Every Dayl Pleaeo detach and vend coupon with check payable b: U.S. Bank 0740061389200220470000296000009843798 19261 H P T20 PO STEPHANIE K SPOTTS 1110 RIDGE DR MECHANICSBURG PA 17055-4483 In?lll??rlilin?l?li?liliil?rlilirllulrnll?i??llllnn?l?ll Your Account Number. 4006 1 389 2002 2047 Total New Balance. $9,843.79 Minimum Payment Due: $296.00 Oct. 07, 2006 U.S. Bank P.O. Box 790408 St. Louis, MO 63179.0408 Lllunllunlllmlhlullnnlrrll6?Jn61Liil?ib?lnll . I MIN -ARI.EY•DAV EN* "11<1-MW 0 HIGH PERFORMANCE VISA September Statement for activity from Aug. 10, 2006 through Sep. 12, 2006 Inquiries: 1-800.699.2281 STEPHANIE K SPOTT'S Page 2 of 3 I?tf fit` tli' t ?n!!t itfe:. ins.. NOW ETe4aM" (il ?'is rao;ion Amount 0825 0823 7192 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 5.66 0825 0823 0780 EXXONMOSIL18 09988742 MECHANIC PA ............... 7.95 0825 0823 0798 EXXONMOBILI8 09988742 MECHANIC PA ............... 2.11 0825 0824 0119 AMOCO OIL 06955629 MECHANICSBURG PA............ 69.19 0828 0825 2389 RITE AID STORE 3613 MECHANICSBURG PA ............. 11.12 0828 0826 4550 TURKEY HILL 90236 069 MECHANICSBURG PA.......... 6.99 0828 0826 0124 AMOCO OIL 06955629 MECHANICSBURG PA............ 21.99 08/30 0828 8402 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 8.94 08130 0828 3450 PALUMBO PIZZA MECHANICSBURG PA ................ 12.24 08x31 0829 7974 WENDYS #1130 025 MECHANICSBURG PA ............. 6.96 06/31 0829 0180 AMOCO OIL 06955629 MECHANICSBURG PA............ 23.11 09101 08130 0331 WENDYS#1130 025 MECHANICSBURG PA ............. 6.96 09101 08130 5129 EXXONMOBIL18 09988742 MECHANIC PA ............... 13.71 09/05 09/01 6314 DENNY'S INC MECHANICSBUR PA ...................... 12.06 09105 09/01 0119 AMOCO OIL 06955629 MECHANICSBURG PA............ 22.33 09105 09102 6559 SUPERPETZ#327 MECHANICSBURG PA ............... 66.81 09/05 09/02 0072 PIZZA FRESCA MECHANICSBURG PA .................. 12.64 09/05 08131 2838 MCDONALD'S F15788 MECHANICSBURG PA........... 5.18 09/05 PHONE PAYMENT SERVICE CHARGE ........................... 10.00 09105 LATE FEE - PAYMENT DUE ON 09/03 ............................. 39.00 09111 09/09 5997 WENDYS#1130 025 MECHANICSBURG PA ............. 8.96 09/11 09/09 6078 WENDYS#1130 Q25MECHANICSBURG PA ............. 6.54 09/11 09110 0084 AMOCO OIL 06955629 MECHANICSBURG PA............ 43.28 09112 09/09 0813 VERIZON PAY BY PHONE 800-483-3000 TX ................. 81.18 Finance Charges 09/12 -FINANCE CHARGE- INTEREST ................................. 147.08 F7t#1'tilri>?ll''? aMfA?l r#? 1iY A Rath o Gaup APA !!" 01.0 rad : P 0 6W eyr/reblr7y . ar 8a? RWfvM9it.; mnmat art A P NO 1 . BALANCE TRANSFER $0.00 $0.00 0.046616% VARIABLE $0.00 16.66% 0.00% N PURCHASES $9,843.79 $9,48326 0.046616% VARIABLE $147.08 16.66% 16.66% Y ADVANCES $0.00 $0.00 0.063671% VARIABLE $0.00 23.24% 0.00% N x >i Alsl Ai+t a{xw?w-iwra ?Iw• i5i:;l au; - ` `b ?pw?.yt Airt?yy?? Ifi ,?. !.1? wQI a ?!FI't __ Xl? l 1 71 i >ItA ?p?1i5??p!U ` , wfxW J'A tlti.F0lAi? ? u ;1{... h.YLIiU :uNIiJIUil:f rlFi a. t ' ? : • r [P.x: w Mt f`f i:i:? : " :f 7 : . ..x •.. .. w :. .n. iarn?:t.. v.!. ?fiNigL+iw A71:x __?I'N?4(q . li:dui t n , , ?? .4{!?- ?Hwl :un u:. +nrt?. :ra n. :.? . .n:u?NU:?. t?. ?::.?:a .... . .: . . 19.. NId1w:N r . ! .i .!1...{ .- , Your Preferred Dealer is: APPALACHIAN H-D 6695 CARLISLE PIKE MECHANICSBURG, PA 17050 Points Available Last Statement .......................................................... 9,013 Redemption Activity .............................................................................. 0 Points Activity Standard Points ........................................................................................................ 1,363 Points Activity Sub-total ...... 1,363 Points Available ...................................................................................... 10,366 GENUINE REWARDS POINTS EXPIRE 3 YEARS FROM THE DATE EARNED. Please contact the Genuine Rewards Order Line for rewards redemption. Genuine Rewards Order Una: 1.800-699.2281 (24 hours, 7 days a wes10 40061389 2002 2047 Gondnued on Next Page RENOWN PERFORMAKE VISA? 1W September Statement for activity from Aug. 10, 2006 through Sep. 12, 2006 Inquiries: 1-800-699-2281 STEPHANIE K SPOTTS Page 3 of 3 f[ Every time you use your Harley-Davidson Visa Card you have a chance to win a new motorcycle.` All you have to do is use you H-D Visa Card and every dollar you spend gives you an automatic entry into the monthly sweepstakes. So, whether you're riding oh into the sunset or waking into the grocery store, don't forget to use your H-D Visa Card. For details, see the Official Rules enclosed for how to enter. Go where you want - and use your Harley-Davidson Visa card for all your stops along the way. Every time you use your Harley-Davidson Visa card you earn H-D Genuine Rewards points. Once you have 2,500 points, you can turn them in for $Z5 in Harley Chrome Cash that can be used for motorcycle gear, H-D MotorClothes apparel, maintenance and more. Each time you or a third party on your behalf, pays your bill by personal check, you authorize us to convert that payment into an electronic debit. If the check is processed electronically, the checking account will be debited for the amount on the check and the debit will appear on your account statementt. If you have any questions, please contact us at the Inquiries phone number located on this statement. W By Telephone: Q Send Inquiries to: ® Send Payments to: Every Hourt Every Day! Cardmember 8ervloe U.B. Bank Voice: 1.800.699-2281 P.O. Box 6339 P.O. Box 790408 Too: 1.800.848-2680 Fargo, ND 68126.6339 8t. Louis, MO 63179.0408 Fax: 1.866-640-2016 End of Staterrrent NMW" qWV Harley-Davidsorf Visa° Use Your H-D TM Visa Card. Ride Off Into The lunset. r[3 Your Account Online: h-dvise.oom STEPHANIE K SPOTTS Genuine Rewards The next dollar you spend could be the dollar that wins.* The H-D Visa Free Ride Sweepstakes gives you the chance to win a new motorcycle each time you use your card. The KID Visa card is miles better than the rest. Free entrv through the mail. 'No purchase neces"ry. For. ?et?i?s see the Othoial Rules enclose fo how b enter. The orewlor anc issuer of the Harl7 Davidson Vies card ati U. S. 13enk Natlonal Assocrap01 a o 2008. All rights reserved. Harley-Davidson, H•D, Harley, the Bar and Shleld logo an Harley Chrome are among the trademarks of H-D Michgan, Inc. 0 t, I I 0 N H pERI O?RMARE VISA° October Statement for activity from Sep. 13, 2006 through Oct. 11, 2006 Inquiries: 1-800-699-2281 STEPHANIE K SPOTTS BNK 28808 Page 1 of 3 Activity Summary Previous Balance .................... ........ i C $9843.79 296 00 ts ......................... red Payments and . Purchases Advanoes & Other Debits E C $1j354.08 137 29 S ......................... HARG FINANCE . New Balance ....................................... $11,039.16 G?ir? 1t.?+t?ul?t 11rt? g11?t?e Credit and Payment Information Credit Line ................................................... $12,800.00 Available Credit ........................................... $1,760.84 Minimum Payment Due ( Current Month)... 5248.00 Past Due) ........... Minimum Payment Due Total New Minimum Payment Due.......... $0.00 $248.00 Payment Due Date .................................... Nov-05,2006 To reduce or avoid paying additional finance charges on yourpurchase balance, pay the total new balance of $11,039.16 by i iNSN6. Any oash balance or balance transfer balance will continuo to accrue daily Interest until the date your payment is received. U. It tansl Posx 11trn+? afr* ;.mite ' A? tvOr a e ti et Tr sAol`t00 amount Payments 09125 09/25 0269 PAYMENT THANK YOU .................................................... 296.00 CR and Credits Purchases, 09/13 09/12 0052 PIZZA FRESCA MECHANICSBURG PA .................. 15.13 Advances, Debits 09/14 09/12 0682 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 9.88 09/14 09/12 0559 WESTY BEER DIST INC CAMP HILL PA .................... 21.72 09/15 09113 1583 TURKEY HILL $0236 Q69 MECHANICSBURG PA.......... 4.78 09/15 09/13 4211 MCDONALD'S F15788 MECHANICSBURG PA........... 7.39 09115 09/13 0139 AMOCO OIL 06955529 MECHANICSBURG PA............ 21.98 09/15 09/14 3637 CAWCAMPMOR MAILORDER 800-525-4784 NJ.......... 20.92 09/18 09/15 2910 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 10.76 09118 09/15 0170 AMOCOOIL 06955629 MECHANICSBURG PA............ 42.80 09118 09116 5028 EXXONMOBIL18 09988742 MECHANIC PA ............... 12.33 09/18 09/17 0298 YOUR PLACE RESTAUR MECHANICSBURG PA........ 27.26 09/18 09/15 9952 WENDYS #1130 025 MECHANICSBURG PA ............. 7.59 09/19 09117 0011 EXXONMOBIL18 09988742 MECHANIC PA ............... 9.81 09/19 09/17 0140 AMOCO OIL 06955629 MECHANICSBURG PA............ 20.99 09/19 09118 9059 WENDYS #1130 Q25 MECHANICSBURG PA ............. 7.90 09/20 09/19 7814 Amazon.com AMZN.COMBILL WA ........................ 33.66 0921 09/19 0795 WESTY BEER DIST INC CAMP HILL PA .................... 21.72 0921 09119 0328 MC DONALD'S F15788 MECHANICSBURG PA........... 5.29 0921 09,20 0163 PIZZA TOWN USA MECHANICSBURG PA ............... 7.21 09/21 0920 9283 CHOPPERS APPAREL-MOTO 909-3354841 CA........... 25.94 0922 0920 0231 AMOCOOIL 06955629 MECHANICSBURG PA............ 22.98 09/22 09/21 5784 WENDYS#1130 Q25MECHANICSBURG PA ............. 7.27 0925 0922 8737 EXXONMOBIL18 09988742 MECHANIC PA ............... 13.54 OonNnued on Next Page Please detach and send coupon with check payable to: U.S. Bank bTo change your address or for Cardmsmber Service plea" call: 1-800.699-2281 Every Haurl Every Day! 0740061384200220470000248000011039160 19726HP T20 P1 STEPHANIE K SPOTTS 1110 RIDGE DR MECHANICSBURG PA 17055-4483 Ire{IIwIIInn{,InI,InIuI,{nlluln,Ilunlll{un,{,II YourAoocuntNumber. 40061389 2002 2047 Total New Balance: $11,039.16 MinA7wm Payment Due: $248.00 Psytrimt:Dde 7ete - ;enter ArocKmf ar ?' I+14M atiaf r# Nov. 05, 2006 g 16 U.S. Bank P.O. Box 790408 St. Louis, MO 63179-0408 I,IIuiJln,dl6„ILI,dI,,,,Ir,IIL„I?rl,ll,,,l„I,rl,rll HARIENOU N* HIGH PERFORMANCE VISA" Y; - October Statement for activity from Sep. 13, 2006 through Oct. 11, 2006 Inquiries: 1 -800-699-2261 STEPHANIE K SPOTTS Page 2 of 3 Raw! T?lal$ qtr 'aiii Albr ilespr#a#r?rTranagol(cn AmarlrrE 0925 0923 2672 RITE AID STORE 3613 MECHANICSBURG PA ............. 48.02 0925 0923 3422 WENDYS #1130 025 MECHANICSBURG PA ............. 5.07 0925 0924 0086 PIZZA TOWN USA MECHANICSBURG PA ............... 8.96 0925 0920 2316 RUTTER'S FARM STRE #54 YORK PA .................... 13.72 0925 0921 7938 EXXONMOBIL18 09988742 MECHANIC PA ............... 11.12 0926 0924 0011 AMOCO OIL 06955629 MECHANICSBURG PA............ 48.41 0926 0925 4931 WENDYS #1130 025 MECHANICSBURG PA ............. 7.69 0926 0925 5252 SIERRA TRADING POST CO 800-7134534 WY ............. 67.95 0927 0923 6402 DAVENPORTS ITALIAN OVE MECHANICSBURG PA.... 15.84 0927 0925 2696 RITE AID STORE 3613 MECHANICSBURG PA ............. 47.99 0927 0925 5566 MCDONALDIS F15788 MECHANICSBURG PA........... 6.96 0927 0926 2155 DENIM EXPRESS 260-563-8033 IN ......................... 50.96 0928 0926 0265 MCDONALD'S F15788 MECHANICSBURG PA........... 9.94 0928 0926 0166 AMOCO OIL 06955629 MECHANICSBURG PA............ 21.64 0929 0927 1164 EXXONMOBIL18 09988742 MECHANIC PA ............... 13.64 10/02 0929 0081 AMOCOOIL 06955629 MECHANICSBURG PA............ 20.99 10/02 0928 4231 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 15.82 10/03 10/02 3057 SIERRA TRADING POST CO 800.7134534 WY ............. 114.90 10/04 10/02 4304 EXXONMOBIL18 09988742 MECHANIC PA ............... 16.22 10/04 10/02 0138 AMOCO OIL 06955629 MECHANICSBURG PA............ 48.99 10/05 10/03 2505 SUPERPETZ#327 MECHANICSBURG PA ............... 56.43 10/05 10/03 1366 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 13.25 10105 10/03 0691 WESTY BEER DIST INC CAMP HILL PA .................... 18.54 10105 10104 0105 PIZZA TOWN USA MECHANICSBURG PA ............... 8.89 10/10 10/06 5779 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 9.26 10/10 10/06 0076 AMOCO OIL 06955629 MECHANICSBURG PA............ 23.38 10/10 10107 7085 TJ MAXX #827 WILLIAMSPORT PA ........................ 21.38 10/10 10/05 6223 EXXONMOSIL18 09988742 MECHANIC PA ............... 16.29 10/10 10/05 0109 AMOCO OIL 06955629 MECHANICSBURG PA............ 22.98 10/11 10/09 0150 KENNETH 8 COMPANY CAMP HILL PA .................. 189.00 Finance Charges 10111 "'FINANCE CHARGE-INTEREST ................................. 137.29 i i i7t 'Y 8s?nor [ Rate Gormsp' ? .. 4foo• Had' l4d h ' Bpitrritle Tj' !. :. .:........ By Tp ? A? ftthrn?rf APR Th _ H?rNrnas. ft+? is FMr s . BALANCETR+wBFER $0.00 $0.00 0.045616% VARIABLE $0.00 16.65% 0.00% N PURCHASES $11,039.18 ;10,378.71 0.045618% VARIABLE $137.29 16.66% 16.65% Y ADVANCES $0.00 $0.00 0.063671% VARIABLE $0.00 23.24% 0.00% N Your Preferred Dealer is: APPALACHIAN H-D 6695 CARLISLE PIKE MECHANICSBURG, PA 17050 Points Available Last Statement .......................................................... 10,366 Redemption Activity .............................................................................. 0 Points Activity Standard Polnts ........................................................................................................ 1,364 Points Activity Sub-total ...... 1,364 Points Available ...................................................................................... 11,720 GENUINE REWARDS POINTS EXPIRE 3 YEARS FROM THE DATE EARNED. Please contsot the GenWne Rewards Order Una for rewards redemption. Genuine Rewards Order Line: 1-800-699.2281 (24 hours, 7 days a week) 40061388 2002 2047 Conttnuod on Next Page s& ' HARIEY•DAVIDSOH® , NWWO HIGH PERFORMANCE VISA October Statement for activity from Sep. 13, 2006 through Oct. 11, 2006 Inquiries: 1-800-699-2281 STEPHANIE K SPOTTS Page 3 of 3 1#.I ... Earn more H-D Genuine Rewards points toward Harley Chrome Cash with additional cards. Your Harley-Davidson Visa card is your ticket to great gear-and now we've got an easy way to earn more. Add up to three additional cards for trusted family members and you will earn rewards from the net purchases they make. Simply go to www.h-d-visa.com, click on Your Account Online then dick Manage Your Account to download the pdf form. Each time you or a third party on your behalf, pays your bill by personal check, you authorize us to convert that payment into an electronic debit. I the check is processed electronical , the checking account will be debited for the amount on the check and the debit will appear on your account statemen . If you have any questions, please contact us at the Inquiries phone number located on this statement. T. =01 By Telephone: Every Hour! Every Daryl voioe: 1-300-699-22ai Too: 1.800-846.2680 Fax: 1-866.640-2016 © Send inquiries to: ® Send Payments to: Cardmember 8ervloe U.B. Bank P.O. Box 6339 P.O. Box 790408 Fargo, NO 58126-6339 8L Louis, MO 63179-0408 End of Statement Your Account Online: h-dvisa.com waft Harley-Davidson" Visa° You earned H-D Genuine Rewards points - Redeem them TODAY! STEPHANIE K SPOTTS Genuine Rewards Enjoy the benefits of Harley Chrome(R) Cash. Call 1-800-699-2281 today to redeem your Genuine Rewards points for Harley Chrome(R) cash to use at participating, authorized Harley-Davidson(R) dealerships. Call 1-800-699-2281 today to redeem your pointsI The creditor anc?issusr of the Harley Davidson Visa card is U.S. Bank National Association Ni H•D 2006. All rights reserved. Harley-Davidson, H•0, Harley, and the ar end Shield bqo and Harley Chrome are among the trademarks of H -D Michigan, Inc. ' I 1 'I I m HIIGH PERFORMANCE VISA" L November Statement for activity from Oct. 12, 2006 through Nov. 09, 2006 Inquiries: 1-800.699-2281 STEPHANIE K SPOTTS BNK 234806 Pape 1 of 3 Ypttr`iltirl.yiIrElnh a'ornnrti t"IAii mount slt_I #ttif! , .2002 24147 1 hfflt? 4000.4 Activity Summary Credit and Payment Information Previous Balance ................................. $11,039.16 Credit Line................................................... $12,200.00 Payments and Credits ......................... $0.00 Available Credit........................................... 61.26 13.00 Purchases Advances b Other Debits x947.20 Minimum Payment Due Current Month)... 1561.00 FINANCE 6HARGES ......... ................ 5152.38 Minimum Payment Due (Past Due) ........... 248.00 ...................................... $12,138.74 Total New Minimum Payment Due.......... Payment Due Date .................................... Dec. 04, 2006 To reduce or avoid paying additional finance charges on your purchase balance, pay the total new balance of $12,138.74 by 12AMM. Any cash balance or balance transfer balance will contlnus to acmes dally interest until the date your payment is receved. itet iltlt38 Qf $ t3afi *o ltaihr B ; Niu L?4 w.lAttr ttf Tcpsagnt..... Amount Purchases, 10/13 10111 9815 EXXONMOBIL18 09986742 MECHANIC PA ............... 14.81 Advances, Debits 10113 10/12 3043 WENDYS #1130 025 MECHANICSBURG PA ............. 8.64 10/16 10/13 1562 WESTY BEER DIST INC CAMP HILL PA .................... 24.31 10/16 10/13 1323 EXXONMOBIL18 09988742 MECHANIC PA ............... 12.69 10116 10/13 0150 AMOCO OIL 06955629 MECHANICSBURG PA............ 52.74 10/18 10116 0016 EXXONMOBILIB 09988742 MECHANIC PA ............... 9.05 10/18 10/16 9310 PANERA BREAD #660 CAMP HILL PA ..................... 8.88 10/18 10117 9454 WENDYS #1130 Q25 MECHANICSBURG PA ............. 6.00 10/19 10118 4482 WENDYS #1130 025 MECHANICSBURG PA ............. 7.69 10120 10/18 0228 AMOCO OIL 06955829 MECHANICSBURG PA............ 20.99 10/23 10120 8921 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 19.62 10/23 10)21 6779 YE OLDE ALE HOUSE MECHANICSBURG PA........... 9.00 10123 10121 6116 EXXONMOBIL18 09988742 MECHANIC PA ............... 8.31 10!23 10121 0203 AMOCO OIL 06955629 MECHANICSBURG PA............ 39.29 1025 10/23 8177 APPLEBEE'S JOH92202167 JOHNSTOWN PA............ 28.66 1027 1025 0907 TURKEY HILL #0236 069 MECHANICSBURG PA.......... 15.33 1027 1025 0048 AMOCO OIL 06955629 MECHANICSBURG PA............ 22.39 10/30 1027 9192 SMOKER'S EXPRESS #1401 MECHANICSBURG PA.... 50.97 10/30 1027 4861 MCDONALDIS F15788 MECHANICSBURG PA........... 8.88 10130 1026 3000 RITE AID STORE 3613 MECHANICSBURG PA ............. 5.00 10/30 1026 3000 RITE AID STORE 3613 MECHANICSBURG PA ............. 37.16 10/30 1026 3000 RITE AID STORE 3613 MECHANICSBURG PA ............. 32.99 10/30 1026 1003 SUPERPETZ/327 MECHANICSBURG PA ............... 80.28 10/30 1027 0241 PIZZA TOWN USA MECHANICSBURG PA ............... 8.96 10/31 10130 0321 SUR LA TABLE SANTA BAR SANTA BARBARA CA....... 16.11 11/01 10/30 4045 THE TERRITORY AHEAD #1 SANTA BARBARA CA...... 43.09 ConNnued on Next Page C ban!?. To change your address or for 0ardmembsr service please call: 1-900.699-2291 Every Hourl Every Day! Please detach and send coupon with cheek payable b: U.S. Bank 0740061389200220470000561000012138747 7306HP T70 PO STEPHANIE K SPOTTS 1110 RIDGE DR MECHANICSBURG PA 17055-4483 In?IIInrIIl?niltillldulnlilnllnlnillnrillll?nnlJ! U.S. Bank P.O. Box 790408 St. Louis, MO 63179-0408 Irll1111//1181///rirllrlr1ll1111lirlllu1Ilrlllllrtlrilrrlloll ' W HARLEY-DAVIDSON` HIGH PERFORMANCE VISA ,4 1 8 i i 00 699 2261 November Statement for activity from - - - r es: Oct. 12, 2006 through Nov. 09, 2006 Inqu STEPHANIE K SPOTTS Page 2 of 3 aNef ` lt?8a11 1Q t6 t7?lh 1 to N l000OW,at T p.T Aeno?int 11101 10/30 4268 THE TERRITORY AHEAD #4 SANTA BARBARA CA ...... 117.44 11103 11102 0110 MALIBU BEACH CLUB MALIBU CA ........................ 21.65 11103 11102 0031 ANDRIANNA SHAMARIS MALIBU CA .................... 28.14 11103 11102 8925 MALIBU SHIRTS MALIBU CA .............................. 37.24 11106 11104 1348 WESTY BEER DIST INC CAMP HILL PA .................... 19.60 11106 11104 4552 EXXONMOBIL18 09988742 MECHANIC PA ............... 8.82 11106 11/04 0236 AMOCO OIL 06955629 MECHANICSBURG PA............ 50.99 11106 11/02 5488 G.L.U. MALIBU CA ........................................ 32.48 11106 LATE FEE - PAYMENT DUE ON 11105 ............................. 39.00 Finance Charges 11/09 "'FINANCE CHARGE` INTEREST ................................. 152.38 ? v ?WW? ' ve ?? .?u11,,pal l 81qq 1 "nm OW 9 4 ?:u 5 a aL : v:n i N :n clwMx?ais;:r yy 16iN1?'L+Ii71F: M . 'x L',. v, , in .. ...F?:• iu :vut t n .....-......... u u .. ... . . BALANCE TRANSFER RCHASES $0.00 138.74 $12 $0.00 0.046616% VARIABLE $0.00 16.65% 519.65 0.045616% VARIABLE $152.38 16.65% 1 $11 0.00% N 6.65% Y PU ADVANCES , $0.00 , 10.00 0.063671% VARIABLE $0.00 23.24% 0.00% N H1>Ir?ti?y'-?? V?? ??riufne ?tti?rrls r Your Preferred Dealer is: - A PIKE 6695 C RLISLE MECHANICSBURG, PA 17050 Points Available Last Statement .......................................................... 11,720 Redemption Activity .............................................................................. 0 Points Activity Standard Points ........................................................................................................ 908 Points Activity Sub-total ...... 908 Points Available ...................................................................................... 12,628 GENUINE REWARDS POINTS EXPIRE 3 YEARS FROM THE DATE EARNED. Please oontaot the Genuine Rewards Order Una for rewards redemption. Genuine Rewards Order Una: 1.800.699-2281 (24 hours, 7 days aweek) 40061389 2002 2047 Condnued on Next Page HARLEY-DAVIDSON" ® HIGH PERFORMANCE VISA November Statement for activity from Oct. 12, 2006 through Nov. 09, 2006 Inquiries: 1-800-699-2281 STEPHANIE K SPOTTS Page 3 of 3 Payment on your account is past due. While we have chosen not to close your account, your payment history directs us o reduce your credit line. To avoid further actions, please pay the past due amount. If future payments are made on a timely basis, we may consider your account for a line Increase in the future. The above minimum payment includes a past due amount which is payable immediately upon receipt of this statement. If this amount has already been mailed please disregard this notice. If you cannot immediately forward this past due amount, please contact our collection department at 1-800-944-2706 to make other suitable arrangements for payment. Access your H-D Visa card account at your convenience from any internet-enabled computer. Start at h-dvisa.com and with just a few clicks; you'll be in the know about your balance, your charges and more. Enroll in Internet Banking by pring to h-dvisa.com and click the logon button under Your Account Online. Click the enroll now button on the right and follow the instructions. Please read this notice b retain it with your Cardmember Agreement. The following change is being made to the Cardmember Agreement that governs your credit card Account. Effective January 17 2007 transactions posting as credits will not reduce the amount of your minimum monthly payment. Payments made on the Account, however, will continue to reduce the amount of your minimum monthly payment. Reminder: Order your 2006 Annual Account Summary todayl The summary provides a comprehensive record of all R our 2006 expenditures organized into broad categories for easy identification. Orders must be placed by December 2006. See the enclosed insert for more details. Each time you or a third party on your behalf, pays your bill by personal check, you authorize us to convert that payment into an electronic debit. If the check is processed electronically, the checking account will be debited for the amount on the check and the debit will appear on your account statement. If you have any questions, please contact us at the Inquiries phone number located on this statement. -MM OR By Telephone: Q Send Inquiries to: CO Send Payments to: 2 Your Account Every Hour! Every Day! Cardmember Service U.S. Bank Online: Voice: 1.800-699.2281 P.Q. Box 6339 P.O. Box 790408 h-dvisa.oom TDD: 1.800-848.2680 Fargo, ND 68126.8339 St. Louie, MO 63179.0408 Fax: 1.866.640.2016 End ofStabnwl 0!% ® HaGH PERNFOORMAKE VISA" December Statement for activity from Nov. 10, 2006 through Dec. 11, 2006 Inquiries: 1-800-699-2281 STEPHANIE K SPOTTS eNK 23806 Page 1 of 2 .- •'.. ::..... ___ .a,__.;..._.?.::?r''ur.:.4 n,.??.r.rarrrr:;i'llurzcR.f?fw1.?Nir%y1[M? 1f?:+11.Y?6lfflt0 Activity Summary Credit and Payment Information Previous Balance ................................. $12,138.74 Credit Line................................................... $12,200.00 Payments and Credits ......................... $0.00 Available Credit........................................... None Purchases Advances b Other Debits $39.00 Minimum Payment Due Current Month)... 508.00 FINANCE 6HARGES ......................... $343.37 Minimum Payment Due (Past Due) ........... 561.00 New Balance ....................................... $12,521.11 Total New Minimum Payment Due.......... $1069.00 Payment Due Date .................................... Jan. 015, 2007 To reduce or avoid paying additional finance charges on your purchase balance, pay the total now balanoo of $12,521.11 by 01VW7. Any cash balance or balance transfer balance will oontinue to accrue dally infersst until the date your payment Is received. P.p#t Ttars l't?l. Amaunt 'Fra l lil iQn r .... : be wpr n..or tie?,tci Ti _ttll?A?tfpr? Purchases, 12/04 LATE FEE - PAYMENT DUE ON 12104 ... 39.00 Advances, Debits Finance Charges 12/11 "'FINANCE CHARGE "'INTEREST ..................... ......... 343.37 ` :. ti'I B '. 1F'Aft7 .. rglf.R :. P1 oihT/r RAt?> ?'?'Fe xl ttali C¢r*R.`.. rtRAr?r ot lMnreat APR No Period Per(g# ealzr 7ypi tr: typ?? . A BALANCE TRANSFER ASES $1 $0.00 521.11 2 $0.00 0:088328% VARIABLE $12,1 8.48 0.088328% VARIABLE $0.00 32.24% 0.00% N $343.37 32.24% 32.24% Y PURCH ADVANCES , $0.00 $0.00 0.088328% VARIABLE $0.00 322.24% 0.00% N yy?? :. alk 41. 0105"! ?rr 91w11i? Your Preferred Dealer is: APPALACHIAN H-D 6695 CARLISLE PIKE MECHANICSBURG, PA 17050 Points Available Last Statement .......................................................... 12,628 Redemption Activity $25 Chrome Cash Certificate .................................................................................. -12,500 Redemption Activity Sub-total -12,500 Points Activity Standard Points ........................................................................................................ 0 C ban!?. To change your address or for Cardmember Service pleaw call: 1.800-899-2281 Every Hour! Every Day! Continued on Next Page Please detach and send coupon with check payable b: U,8. Bank 0740061389200220470001069000012521111 7568HP T70 PO STEPHANIE K SPOTTS 1110 RIDGE DR MECHANICSBURG PA 17055-4483 I?ullllrrlllrnrlrlrilllnlnlil?rll?ilrrrllurillllurrilrll U.S. Bank P.O. Box 790408 St. Louis, MO 63179.0408 illrnrlulllrirll?I?Ilirrlril?rlrrll lilll1rrllrurlllurlloll . ' , ' ; , HARIEY-DAVIDN' HIGH PERFORMANCE VISA December Statement for activity from Nov. 10, 2006 through Dec. 11, 2006 Inquiries: 1-800-699.2281 STEPHANIE K SPOTTS Page 2 of 2 It1tl'li4 ; -'1f1Shc vim Qg Points Activity Sub-total ....., 0 Points Available ...................................................................................... 128 Congratuletional The 8 Harley Chrome Cash oertitioate(s) you recently requested are good for $126 off your next purchase at any participating, authorized Harley-Davidson deelershipf Remember that certificates expire after 90 days. GENUINE REWARDS POINTS EXPIRE 3 YEARS FROM THE DATE EARNED. Please contact the Genuine Rewards Order Line for rewards redemption. Genuine Rewards Order Una: 1.800.899.2281 (24 hours, 7 days a week) 7 - ? WaI 19 : u sId51'uf dIN . _ H_I ai y,u 51 ciao x m wcil ,f' : iel'i71N1]u .-... rr__.vii •. : _ ty 7ilm ? !5 TN ,!yWW!lii. rvill:? 18;.• aix ? a a are!nlc, M_:wat a5 .! c ... ! !Nt:.!H_!x!a la° - 51 •t?. 5 !. ; ?II.!aWa!s`v!!l a"IF9! ?ve7 V N -]iwq ] Ni Ira :y t! w'a!E?:Sw 1!yi1?_ l as t?3!Si' clan n,aw w i.5iy G A?!G !I!.Wv.?::„ H iIHhlwS!Fav!,rM:. .. .. . ,..._.._. .w a,N:•. :.: , _,. . _.: !x a!y ei, `..;::.:.' St?lul?id,Wws ,:, ,.,n .._.._... .IN; rdlxas : ,.?,:, Your interest rate has increased due to your account's delinquent status. Your account is past due and has been referred to our collection department. To avoid further action, please send your payment today or call us at 1-800-944-2706. Every time you use your Harley-Davidson Visa Card you have a chance to win a new motorcycle.' All you have to do is use you H-D Visa Card and every dollar you spend gives you an automatic entry into the monthly sweepstakes. So, whether you're riding of into the sunset or waking into the grocery store don't forget to use your H-D Visa Card. 'NO PURCHASE NECESSARY. For details, see the Official Rules enclosed {or how to enter. Use your Harley-Davidson Visa Card to automatically pay bills like telephone, cable, utilities, insurance, and subscriptions. Its a convenient,no-hassle way to make payments! Just call your service providers and tell them to bill your H-D Visa Card. If you are already using your H-D Visa card to automatically pay bills and your account number has changed, remember to supply your service provider with the new account number, Please read this notice & retain it with your Cardmember Agreement. The following change is being made to the Cardmember Agreement that governs your credit card Account. Effective January 17 2007 transactions posting as credits will not reduce the amount of your minimum monthly payment. Payments made on the Account, however, will continue to reduce the amount of your minimum monthly payment. Each time you or a third rty on your behalf, pays your bill by personal check, you authorize us to convert that payment into an electronic debit. If the check is processed electronically, the checking account will be debited for the amount on the check and the debit will appear on your account statement. If you have any questions, please contact us at the Inquiries phone number located on this statement. nw Y 21 NIM :, . .: I NP _ .. By Telephone: © Send Inquiries to: ® Send Payments to: Your Account Every Hou?1 Every Dayl Cardmember Service U.B. Bank Online: Voice: 1-800.699.2281 P.O. Box 6339 P.O. Box 790408 h-dvisa.oom Too: 1.800.848.2680 Fargo, ND 68126.8339 St. Louis, MO 63179.0408 Fax: 1-866-640.2016 End of Ststerrient ' ' - HARIEY-DAVIDSON" m HIGH PERFORMANCE VISA° ? January Statement for activity from Dec. 12, 2006 through Jan. 09, 2007 Inquiries: 1-800-699-2281 STEPHANIE K SPOTTS BNK 2347806 Page 1 of 2 Yolk>Flilil*flttsliln?h F?e'OiCt!#t4gir?l tlCC3iit#t Bt $ g>EBt t, 1k ?A 061 W 2---;2 447 Activity Summary Credit and Payment Information Previous Balance .................. ............ $12,521.11 Credit Line................................................... $12,200.00 Payments and Credits ......................... 0.00 Available Credit........................................... None Purchases Advances & Other Debits $39.00 Minimum Payment Due Current Month)... $489.00 ( FINANCE bHARGES ......................... $320.90 Minimum Payment Due P l N Mi i T Past Due) ........... $1,069.00 1 558 00 t D New Balanos ....................................... ue.......... aymen n mum ew $12,8811.01 ota Payment Due Date .................................... Feb. 011, 2007 To reduce or avoid paying additional finance charges on your purchaso balance, pay the total new balance of $12,881.01 by 02/0-107. Any cash balance or balance transfer balance will continue to accrue daily Interest until the date your payment is received. . PON?t '2'rrne Rol "I"t"8i1ItIIw3 Q04 1Ja . ; Data Nbr 000OW on ©f Tral motfon Amount Purchases, 01105 LATE FEE - PAYMENT DUE ON 01/05 ............................. 39.00 Advances, Debts Finance Charges 01109 "`FINANCE CHARGE` INTEREST ................................. 320.90 RllrlR $`till"?1lrb+ Avp?t ft?t' Cortrp "',yq*" 04A00 Ba tr?att`7 s 8y 7yyda BalAtlp! Pecfodb f ate Ty$is interest APR This Pat Ad P dod: BALANCE TRANSFER $0.00 PURCHASES $12,881.01 $0.00 0.088328% VARIABLE $0.00 32.24% 0.00% N $12,527.83 0.088328% VARIABLE $320.90 32.24% 32.24% Y ADVANCES $0.00 $0.00 0.088328% VARIABLE $0.00 32.24% 0.00% N ........ .... ???i YI?I? . _ ??rFtt?l na Rlards,,. Your Preferred Dealer is: APPALACHIAN H-D 6695 CARLISLE PIKE MECHANICSBURG, PA 17050 Points Available Last Statement .......................................................... 128 Redemption Activity .............................................................................. 0 Polnts Activity Standard Points ........................................................................................................ 0 Points Activity Sub-total ...... 0 C ban!?,, To change your address or for Cardmember Service plea" call; 1-800.899-2281 Every Hour! Every Day! Continuad on Next Page Please detach and send coupon with oheok payable to: U.S. Bank 0740D61389200220470001558000012881018 7895HP T07 PO STEPHANIE K SPOTTS 1110 RIDGE DR MECHANICSBURG PA 17055-4483 lurllln?lllnulrlul,lnluhlullnlnrllnr,llllnn?lrl I Your Account Number. 4006 1 389 2002 2047 Total Now Balance: $12,881.01 Minimum Pavrment Duo: Feb. 03, 2007 U.S. Bank P.O. Box 790408 St, Louis, MO 63179-0408 IrlluullnrrlllnrllJullnn{nIIIn,InlrlluilnlNlnll . ' , ' ', , HARLEY-DAVIDSON® ® NIGH PERFORMANCE VISAO RM Jonua Statement for activity from Dec. 12, 2006 through Jan. 09, 2007 Inquiries: 1.600.699-2281 STEPHINIE K SPOTTS Page 2 of 2 owll l ow, Points Available ...................................................................................... 128 GENUINE REWARDS POINTS EXPIRE 3 YEARS FROM THE DATE EARNED. Please oontect the Genuine Rewards Order Una for rewards rademption. Genuine Rewards Order Una: 1.800.699-2281 (24 hours, 7 days a wesk) to 9 Nl Yh.. 11aM . i.r m:t _i-ilil ?.,tt!e ? - N! [q wfil un ul lis! 'a:rt r+l 7iNiap!q:{?? ?!, Nm i'nw?r.. a. . ?s r nr ll?? { . ?i?alN[ 4.41N lei r? Iz $ ?q . ;;! ![ a a?, 1[ a:; 51; u,: w:AtC 11:d.1i ;clli lt1Y15i3WNa a a a m r >aa? ?fH ?[ . @t rFai.t?i?n 41 AM _. Mfldaiin- Sri,n:Lw,.:.•.>!_....T1911. I, fill !- ai Your account is now seriously past due. To protect your credit rating, please send your payment today for the past due amount indicated below in the Minimum Payment Due section or call us at i-800-600-0155. Access your Harley-Davidson Visa card account at your convenience from any Internet-enabled computer. Start at h-dvisa.com and with just a few clicks, you'll be in the know about your balance, your charges and more. See the enclosed insert for details. Visa's Zero Liability policy means 100% protection for you against fraud. Use your Harley-Davidson Visa card to shop anywhere Visa is accepted and you're protected from unauthorized use of your card or account information. With this policy, your liability for unauthorized purchases is $0 -you pay nothing. If you notice fraudulent activity on your card, promptly callus at 800-699-2281. Subject to Claim Verification. Zero Liability does not apply to transactions not processed by Visa. See complete details in your Cardholder Agreement. Please read this notice & retain it with your Cardmember Agreement. The following change is being made to the Cardmember Agreement that governs your credit card Account. Effective January 17 2007 transactions posting as credits will not reduce the amount of your minimum monthly payment. Payments made on the Account, however, will continue to reduce the amount of your minimum monthly payment. A MESSAGE FROM YOUR H-D DEALER: Winter service special - 15% off parts & 15% off labor. Call now 800-369-77431 Each time you or a third party on your behalf, pays your bill b personal check, you authorize us to convert that payment into an electronic debit. If the check is processed electronlcal?, the checking account will be debited for the amount on the check and the debit will appear on your account statemen . If you have any questions, please contact us at the t By Telephone; Every Hourl Every Duyl Voioe: 1.800.699.2281 Too: 1.800.846.2580 Fax: 1.888-640.2016 Send inquiries to: Cardmember Servioe P.O. Box 6339 Fargo, NO 58125.6339 wifto , Harley-Davidson' visS ® Send Payments to: U.B. Bank P.O. Box 790408 St. Louis, MO 63179-0408 End of Statement E3 Your Account Online: h-dvisa.oom STEPHANIE K SPOTTS Genuine Rewards H-D(R Genuine Rewards Points! Easy to Earn. Easy to Redeem! You already have the power to earn H-D Genuine Rewards points for every dollar you spend. The more you use your card, the closer you'll get to H-D gear, parts or services. bee enclosed insert for more details. ey p Use your card and redeem your points today I of th Harley,?the Bar and Shield llogo and Ha?le?y?Chrome ra amoung thetradema ks o1 H DiMiohigan, IHncD 2007 AN rights reserved. Harley-Davidson, H -D, HARIEY•DAVIDSON° ® NIGH PERFORMANCE VISA° February Statement for activity from Jan. 10, 2007 through Feb. 08, 2007 Inquiries: 1-800.699-2281 STEPHANIE K SPOTTS stilt zasoe Page 1 of 2 .ri•r?r?.??ni;rr?wlwree?eh:.l?ei?i?r?is6??flaei[d Awl-mm; quu{f 7 * f gils 4VIC Activity Summary Credit and Payment Information Previous Balance ................................. $12,881.01 Credit Line................................................... $12,200.00 Payments and Credits ......................... $0.00 Available Credit........................................... None Other Debits Advances .. ANCE I Month)... $514.00 14 (Current 1 00 558 D ym nt Du P 9 46 Minim . bN N F ARGES $ , ue}........... . e a e um w Minimum Pa $207200 ment Due l N 47 T 261 t 13 New Balancs ....................................... .......... y . a e $ , o Payment Due Date .................................... Mar. 09, 2007 To reduce or avoid paying additional finance charges on your purchase balance, pay the total new balance of $13,761.47 by 03 &07. Any cash balance or balance transfer balance Wit oonMnue to accrue daily interest until the date your payment Is recelved. l4t1 `Tfii 1 4 5 Qitfie ;Daft N6r 13rapl lott4[Tt4'9otiosy Amount Purchases, 02/05 LATE FEE - PAYMENT DUE ON 02/03 ............................. 39.00 Advances, Debits Finance Charges 02108 ""FINANCE CHARGE-INTEREST ................................. 341.46 ft' f11il itltt R Avgl?1!Y R,t? Rpr?Irt+P ...? Drpd! ' Bstats4tt Terre By; T It 7btrr P.# Pft:lod Hxlarror_ : PRrtodln FW# Tjt !? tnhr+tttI AI fl . BALANCE TRANSFER $0.00 47 261 PURCHASES $13 10.00 0.0883287E VARIABLE $0.00 32,249E 0.00% N 618.21 0.0883287E VARIABLE $341.46 32.249E 32.247E Y =12 , . ADVANCES $0.00 , $0.00 0.0883287E VARIABLE $0.00 32249E 0.009E N ?jWQ . ? My "*"il um w Your Preferred Dealer is: APPALACHIAN H-D 6695 CARLISLE PIKE MECHANICSBURG, PA 17050 Points Available Last Statement .......................................................... 128 Redemption Activity .............................................................................. 0 Points Activity Standard Pointe ........................................................................................................ 0 Points Activity Sub-total ...... 0 Cuban! p To chsngs your address or for Cardmember Servloe plan" oall: 1.800-699.2281 Every Hourl Every Day! ConBnued on Next Page Please delsoh and send coupon with check payable io: U.S. Bank 0740061389200220470002072000013261470 7340HP T74 PO STEPHANIE K SPOTTS 1110 RIDGE DR MECHANICSBURG PA 17055-4483 In,llin,lllunl,Inl?lnlnldnllulnrllunllll?unl,ll You?Aocount Number. 40061389 2002 2047 Total New Balance: $13,261.47 Minimum Payment Due: $2,072.00 Mar. 05, 2007 U.S. Bank P.O. Box 790408 St. Louis, MO 63179-0408 11 ' , ' ; , HARLEY-DAVIDSON" e HIGH PERFORMANCE VISA - February Statement for activity from Jan. 10, 2007 through Feb. 08, 2007 Inquiries: 1-600.699-2281 STEPHANIE K SPOTTS Page 2 of 2 Points Available ........ ......... ......... ......... ......... ......... 128 GENUINE REWARDS POINTS EXPIRE 3 YEARS FROM THE DATE EARNED. Please oontaot the Genuine Rewards Order Line for rewards redemption. Genuine Rewards Order Una: 1.800-699-2281 (24 hours, 7 days a week) } ti - • 7lIA. - yiN1?Yi w N. if Eda Am - q! ? ?enhlxi??- xx°r?..i. a ?lvWi_ ?i a n 1 s ,.:W ?, I9 R9: s lam':. •, i. p11" a s,?. u9. Mi yixm a,_i5 i, e?v as tiix 4lr :. a. n .-C9-Hlsry,va .i?sk°, :_......._..? E?uaFa. fA...?' q ?..... ?rwH........-._. rshl:..,, ......................?f If you have not already made arrangements with us to repay the past due portion of your account balance, we urge you to contact us immediately. We must hear from you to avoid more serious action. Please contact us at 1-800-800-0185. Automatic Bill Payment takes care of your monthly bills and keeps them organized, all while eaming you H-D Genuine Rewards points. Save time by making only one monthly payment. Bills paid with Automatic Bill Payment go straight to your monthly card statement. Go where you want - and use your Harley-Davidson Visa card for all your stops along the way. Every time you use your Harley-Davidson Visa card you earn H-D Genuine Rewards points. Once you have 2,500 points, you can turn them in for $25 in Harley Chrome Cash that can be used for motorcycle gear, H-D MotorClothes apparel, maintenance and more. A MESSAGE FROM YOUR H-D DEALER: Winter service special- 15% off parts & 15% off labor. Call now 800-369-77431 Each time you or a third party on your behalf, pays your bill by personal check, you authorize us to convert that payment into an electronic debit. If the check is processed electronically, the checking account will be debited for the amount on the check and the debit will appear on your account statement. If you have any questions, please contact us at the Inquiries phone number located on this statement. 111100 U.M114 1! _1111; 11,11-10.0 .4 By Telephone: Q Mend Inquiries to: ® Send Payments to: iwwS Your Account Every Hour1 Every Day! Cardmember Service U.S. Bank Online: Voloe: 1.800-699.2281 P.O. Box 6338 P.O. Box 790408 h-dWea.oom Too: 1-800-846-2680 Fargo, ND 68126.6339 sL Louis, MO 63179-0408 Fax: 1-866.668.7729 End of Statement W L. ' , ' ', , HARLEY-DAVIDSON" HIGH PERFORMANCE VISA N March Statement for activity from Feb. 09, 2007 through Mar. 12, 2007 Inquiries: 1-800.699-2281 STEPHANIE K SPOTTS BNK 806 Page 1 of 2 Activity Summary Credit and Payment Information Previous Balance .................. $13,261.47 $13,261.47 Credit Line................................................... $12,200.00 Payments and Credits ........................ x$0.00 Available Credit........................................... None INA CE b?RQ S...Other Debits 39.00 MMinimum inimum Payment Due Due Past Due) Month) $2 07 1.00 F 2.00 New Balanos ....................................... $1$ 675.58 Total New Minimum Payment De.......... $2623.00 Payment Due Date .................................... Apr. 06, 2007 To reduce or avoid paying additional finance charges on your purchase balance, pay the total new balance of $13,676.58 by 04V"7. Any cash balance or balance banter balance writ contlnue to aoorue daily interest until the date your payment Is received. ` . ' P?f C$ Q] r (..... . Trestle ;Rel. #7eN NtN _ ,- [ sEari ttrlr olf7t neastftppi ,4tnount Purchases, 03/05 LATE FEE - PAYMENT DUE ON 03/05 ............ ................. 39.00 Advances, Debtfs Finance Charges 03/12 -FINANCE CHARGE''-INTEREST ................................. 375.11 8 11111 # SA?Anor A1rp tautly €twfh! ife Ca M1 ».•, Qts B,tli?nar7 ? `' ?' TY/H! Ha ill A•erT W Aaf! Type Interest AfrR ._Th1s.P?tlad Psrw BALANCE TRANSFER PURCHASES $0.00 676.58 $13 $0.00 0.088328% VARIABLE $0.00 271.22 0.088328% VARIABLE $375.11 $113 32.24% 0.00% N 32.24% 32.24% Y ADVANCES , $0.00 , $0.00 0.088328% VARIABLE $0.00 32.24% 0.00% N H O*OUI B # I?81' Your Preferred Dealer is: APPALACHIAN H-D 6695 CARLISLE PIKE MECHANICSBURG, PA 17050 Points Available Last Statement .......................................................... 128 Redemption Activity .............................................................................. 0 Points Activity Standard Points ........................................................................................................ 0 Points Activity Sub-total ...... 0 bTo change your address or for Cardmember Service plait" call; 1.800.699.2281 Every Hour! Every Da yl Continued on Next Page Please detach and send coupon with check payable to: U.B. Bank 0740061389200220470002623000013675582 8328HP T61 PO STEPHANIE K SPOTTS 1110 RIDGE DR MECHANICSBURG PA 17055-4483 U.S. Bank P.O. Box 790408 St. Louis, MO 63179-0408 ' , ' HARIEY•DaNSON* e HIGH PERFORMANCE VISA March Statement for activity from Feb. 09, 2007 through Mar. 12, 2007 inquiries: 1-800-699-2281 STEPHANIE K SPOTTS Page 2 of 2 Hy-d Y1 iai11i0 RAtI'# Points Available ........ ......................................................................... 128 GENUINE REWARDS POINTS EXPIRE 3 YEARS FROM THE DATE EARNED. Please oorrtaot the Genuine Rewards Order Line for rewards redemption. Genuine Rewards Order Une: 1.800.699-2281 (24 hours, 7 days & weak) Your account has been closed to further use of credit. If you still have cards in your possession, please cut them in half and return them to us. Each time you or a third party on your behalf, pa s your bill by personal check, you authorize us to convert that payment into an electronic debit. If the check is processed electronicall the checking account will be debited for the amount on the check and the debit will appear on your account statementt. If you have any questions, please contact us at the Inquiries phone number located on this statement. By Telephone: Every Hourl Every Dayl Voice: 1.800.699-2281 TOO: 1-800-846-2680 Fax: 1-866.668.7729 © Send Inquiries to: Cardrrremher Servloe P.O. Box 6339 Fargo, NO 68126.8339 ® Send Payments to: U.B. Bank P.O. Box 790408 St. Louis, MO 63179.0408 Your Account Online: h-dvisa.oom End of Statement We A?HARLEY-DAVIDSON" CE E VISA° bil April Statement for activity from Mar. 13, 2007 through Apr. 10, 2007 Inquiries: 1-800-689-2281 STEPHANIE K SPOTTS BNK 37808 Page 1 of 2 Activity Summary A!RQ* 1b40QB 1 P80 20 9-:2 _04Credit and Payment Information Previous Balance ................................. $13,675.58 Payments and Credits ........................ $0.00 Purchases Advances & Other Debits 39.00 FINANCE 611ARGES ......................... $ 50.47 New Balance ....................................... $14,06$.05 Credit Line ................................................... $12,200.00 l None Month) ... ent Due (Current Minimum Paym t D e P P t D $531.00 623 $2 00 ue ( ) ........... as u aymen Minimum Total New Minimum Payment Due.......... , . 3154.00 Payment Due Date .................................... May 0h, 2007 To reduce or avoid paying additional finance charges on your purchase balance, pay the total now balance of $14,066.06 by OB SA27. Any cash balance or balance transfer balance WH continue to aomw daily interost until the date your payment is reoehred. r?? .fib... ' i9?/• ;' ' l"it Ei?A# 0110. ESN. Datp ntb? LTpep rlt6?rrolFTi aaotlon Amount Purchases, 04/06 LATE FEE - PAYMENT DUE ON 04106 ............................. 39.00 Advances, Debits Finance Charges 04110 "`FINANCE CHARGE-INTEREST ................................. 350.47 ., :... F#fl M a?w Owe B.t type Ay 7)p Qiltxie RtrrloaN r ftaN 7y x Interest APR mfa Wrrfd P.riQd BALANCE TRANSFER ASES $1 $0.00 085 05 4 $0.00 682.30 $13 0.0883289E 0.088328% VARIABLE VARIABLE $0.00 $350.47 32.24% 0.009E N 32.24% 32.24% Y PURCH ADVANCES . , $0.00 , $0.00 0.088328% VARIABLE $0.00 32.249E 0.00% N WHO$ Your Preferred Dealer is: APPALACHIAN H-D 6695 CARLISLE PIKE MECHANICSBURG, PA 17050 Points Available Last Statement .......................................................... Redemption Activity .............................................................................. Points Activity Standard Points ........................................................................................................ Points Activity Sub-total ...... bTo ohanye your address or for Cardmember Servios please call: 1-800.899.2281 Every Hour! Every Day! 128 Continued on !Next Page Please detach and send coupon with check payable to: U.S. Bank 0740061389200220470003154000014065051 23072HP T33 P1 STEPHANIE K SPOTTS 1110 RIDGE DR MECHANICSBURG PA 17055.4483 (u?IIIn,Illuulilnlilulnl?I?Jlnlrulluullllrru?lkll U.S. Bank P.O. Box 790408 St. Louis, MO 63179-0408 Idlri?dl???dllr?Jlrl??ll???d,?Illirilyd?Il???I??I,d?JI 0 ® ?ARIEY-DAVDSON& HIGHPERFORI 4KEVISA April Statement for activity from Mar. 13, 2007 through Apr. 10, 2007 Inquiries: 1-500-699-2281 STEPHANIE K SPOTTS Page 2 of 2 l QIktJ1ii'A#i+?lls Points Available .......... 126 GENUINE REWARDS POINTS EXPIRE 3 YEARS FROM THE DATE EARNED. Please oontaot the Genuine Rewards Order Line for rewards rede ivIon, Genuine Rewards Order Line: 1-800.699.2281 (24 hours, 7 days a week) "GSe• ?rniaaiu ?'"wwp?g?N"I" ?_?+ yEi-(y9 A: „ • s ':y xs ti ,._ ttlv.??na,??`?'1a.5cn. I..a:i?c3:??'?b:c.?'n!.r;;.4Y!vt:'v_u:y7ii:vilx . ?{?..._...... s._._... -M m.: luu!„u4!RH1l":vH'?i?? }5011, Your account has been dosed to further use of credit. If you still have cards in your possession, please cut them in half and return them to us. if you exceed your Credit Limit, we may assess an Overlimit Fee; Please review your Cardmember Agreement for more information on Account fees. Each time you or a third party on your behalf, pays your bill by personal check, you authorize us to convert that payment Into an electronic debit. If the check is processed electronical , the checking account will be debited for the amount on the check and the debit will appear on your account statemen . If you have any questions, please contact us at the Inquiries phone number located on this statement. MIN By Telephone: Q Send Inquiries to: Send Payments to: Your Account Every Hour! Every Day! Cardmember Service U.S. Bank Online: Volos: 1.800.699.2281 P.O. Box 6339 P.O. Box 790408 h-dvisa,oom TOD: 1-800-848-2680 Fargo, ND 68126.6339 St. Louis, MO 63179.0408 Fax: 1-866.668-7729 End of Statement VERIFICATION ROBERT M. KLINE, ESQUIRE, being duly sworn according to law, deposes and says that he is an attorney with Eric M. Berman, P.C., attorneys for the Plaintiff, and as said attorney he is authorized to take this verification on its behalf, and that the facts in the foregoing pleading as set forth therein are true and correct to the best of his knowledge, information and belief. I further verify that Plaintiff's principal office is outside the jurisdiction of the court and a signature could not be timely obtained. I verify that the statements made in the within instrument are true and correct. I understand that false statements are subject to the penalties of 18 Pa C.S.A. Section 4904 relating to unsworn falsifications to authorities. ROBERT M. KLINE, ESQUIRE Dated: / G' _141a Our File No. 292404 ATTORNEYS FOR PLAINTIFF ERIC M. BERMAN, P.C. BY: ROBERT M. KLINE, ESQUIRE IDENTIFICATION NO.: 56479 500 NORTH GULPH ROAD, SUITE 350 KING OF PRUSSIA, PA 19406 (484) 690-3900 -----------------------------------X U.S. BANK NATIONAL ASSOCIATION Plaintiff, VS. STEPHANIE SPOTTS Defendant. -----------------------------------X CERTIFICATION OF SERVICE COURT OF COMMON PLEAS CUMBERLAND COUNTY CIVIL ACTION No. 08-5251 I hereby certify that on this date I served a copy of the foregoing Amended Complaint by regular first class mail, postage prepaid, upon the following: Frank C. Sluzis, Esquire Scaringi & Scaringi, P.C. 2000 Linglestwon Road Suite 106 Harrisburg, PA 17110 ERIC M. ERMAN, P.C. Dated: October 10, 2008 BY: ROBERT M. KLINE, ESQUIRE ATTORNEYS FOR PLAINTIFF ...? -'t, t a ?? ?? ? O ?J _ r IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA US BANK NATIONAL ASSOCIATION ND, Plaintiff V. STEPHANIE K. SPOTTS, Defendant No. 08-5251 CIVIL TERM ANSWER TO AMENDED COMPLAINT 1. After reasonable investigation, Defendant is without sufficient knowledge or information as to the truth of the averment. 2. Admitted. 3. Admitted in part, denied in part. Defendant admits that Plaintiff has attached a Cardmember Agreement as Exhibit A to its Amended Complaint; however Plaintiff has failed to attached a signature page demonstrating that Defendant entered into this particular agreement. 4. Denied. Strict proof of this averment is demanded at trial. By way of further response, Plaintiff asserts that $11,810.07 is due, "as indicated on the attached history"; however the credit card statements attached to Plaintiff's Amended Complaint do not show that this is the balance due on the account. The most recent statement that is attached to the Amended Complaint is dated March 13, 2007 through April 10, 2007, showing a balance of $14,065.05. Although some activity has clearly taken place on the account since the April 10, 2007 statement, Plaintiff provides no information as to what activity took place on the account from April 10, 2007 until the time of the filing of the Amended Complaint I or as to how Plaintiff has arrived at the current balance claimed to be due and owing in the Amended Complaint. 5. Denied. Strict proof of this averment is demanded at trial. By way of further response, Plaintiff has attached credit card statements through April 10, 2007 which indicate that Defendant was late in making a previous payment, there is nothing in the attachments or on the Amended Complaint itself to demonstrate Defendant's refusal to pay the balance due after April 10, 2007. 6. After reasonable investigation, Defendant is without sufficient knowledge or information as to the truth of the averment. 7. Admitted in part, denied in part. Defendant admits that the Cardmember Agreement that is attached to Plaintiff s Amended Complaint as Exhibit A contains a paragraph 32 which refers to attorneys fees; however, Plaintiff has failed to attached any signature page indicating that Defendant signed and entered into said Agreement. WHEREFORE, Defendant respectfully requests that this Honorable Court dismiss Plaintiff Amended Complaint with prejudice. Date submitted, Frany C. Sluzis Sup erne Court I.D. No. 43829 orney for Defendant Scaringi & Scaringi, PC 2000 Linglestown Road Suite 106 Harrisburg, PA 17110 717-657-7770 frank&scaringilaw.com IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNT PENNSYLVANIA Y, US BANK NATIONAL ASSOCIATION ND, Plaintiff V. STEPHANIE K. SPOTTS, Defendant No. 08-5251 CIVIL TERM CERTIFICATE OF SERVICE I, Frank C. Sluzis, of Scaringi & Scaringi, P.C., do hereby certify that Defendant's Answer to Amended Complaint in the ? a copy ° f the above-captioned action has been duly served upon the following, by depositing same in the United States Mail, First Class, addressed as follows: Postage Prepaid, Robert M. Kline, Esquire Eric M. Berman, P.C. 500 North Gu" Suite 3; King of Prussia, Date: AkA_ C CD r I co David 1D. Bueff f-othonotary KirkS. Sohonage, ESQ Solicitor Wsnee X Simpson 15` Deputy ftothonotary Irene E. Morrow 2"d Deputy Prothonotary Office of f the Prothonotary Cumberland County, Pennsykania 10 e> '.5pZ51 CIVIL TERM ORDER OF TERMINATION OF COURT CASES AND NOW THIS 25TH DAY OF OCTOBER, 2011, AFTER MAILING NOTICE OF INTENTION TO PROCEED AND RECEIVING NO RESPONSE - THE ABOVE CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH PA R.C.P 230.2 BY THE COURT, DAVID D. BUELL PROTHONOTARY One Courthouse Square • Suite 100 9 Carlisle, D.A 17013 • (717 240-6195 • Ta.X (717 240-6573