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HomeMy WebLinkAbout09-1720 Our File No.: 10 1419 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire, Esq. Attorney I.D.#38423 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff ARROW FINANCIAL SERVICES LLC c/o Apothaker & Associates, P.C. 520 Fellowship Road C306 Mount Laurel, NJ 08054 Plaintiff, VS. DEBORAH L GRAHAM 902 ALLENVIEW DR MECHANICSBURG, PA 17055-8604 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 0/.l-7 a6 c;v- 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 the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 717-249-3166 A. ` . Our File No.: 10 1419 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire, Esq. Attorney I.D.#38423 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff ARROW FINANCIAL SERVICES LLC c/o Apothaker & Associates, P.C. 520 Fellowship Road C306 Mount Laurel, NJ 08054 Plaintiff, vs. DEBORAH L GRAHAM 902 ALLENVIEW DR MECHANICSBURG, PA 17055-8604 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: ®Gl , 26 crvCIVIL ACTION COMPLAINT FIRST COUNT 1. Plaintiff is ARROW FINANCIAL SERVICES LLC c/o Apothaker & Associates, P.C., 520 Fellowship Road C306, Mount Laurel, NJ 08054. 2. Defendant(s) is/are DEBORAH L GRAHAM, an adult individual residing at 902 ALLENVIEW DR MECHANICSBURG, PA 17055-8604. 3. Plaintiff, ARROW FINANCIAL SERVICES LLC, is the Assignee and Successor in Interest of Account #5542852000874014; and said account was issued to Defendant(s) by WASHINGTON MUTUAL BANK, the Original creditor. 4. Defendant received, accepted and used the account to its benefit. 5. This account is in default and Defendant(s) has an unpaid balance of $1,867.01. A true and correct copy of the total due and owing is attached hereto, made a part hereof and marked as Exhibit "A". 6. All credits, if any, to which Defendant(s) is entitled, have been applied to the account and are included in Exhibit "A". 7. Although demand has been made, Defendant(s) has failed to make payment of the amount due as above. WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of $1,867.01 and requests this Court award Plaintiff attorney's fees and costs to the extent permitted by applicable law. APOTHAKER & S IATES, P.C. Attorney r P ' tiff A Law Firm Eng ed ' Debt Collection BY: Dated: 3/11/2009 David J. ApothAer, Esquire Our File No.: 101419 VERIFICATION David J. Anothaker, Esquire hereby states that I am counsel for plaintiff in this action, and that I am authorized to take this Verification, and that the statements made in the foregoing Civil Action Complaint are true and correct to the best of my knowledge, information, and belief. The undersigned understands a statements therein are made subject to the penalties of 18 Pa.C.S.A. 4904 relating to unsworn falsification to authori 'es. David J. Apo er, Esquire Attorney for Plaintiff DATE: 3/11/2009 i 0 PAYMeNT MMeiAIal SMANCE.AS:OF AODOIAdf DUE DATE PAYM@fr 14011M N1MpIE11 ¢D ao.ebalal,Awb Tx 14004M /+11!/05 >Tad4.eD ft eol.ra 5542-8520-00157-4014 hWk.. D.W a 4aeu.. en..Ds *-.r bIw* Nn0 Anwem ta6eiosco t... hiw.. kf.. a,ta r4 -?? 9?: m.. 3bm. P06..: S N Naas 0110010 PeyeW6 to Wa.ninaton Mewti . am WASHING-ON MUI UAL CARD SERVICES DEBORAH L GRAHAM 742x5. P.O. Sox 4504117 902 ALLENVIEW DR DALLAS. TX 7 52 64-04 5 7 MECHANICSBURG PA. 17355-8504 5542852000874014 0032400 0160912 0019200 25 DETACH HERE. CM..0b61 4002 61.1 $40 7 651025 P.O. 1 of 1 N ball 71.235 tmpwhtrt Ainplpas You ate taapongift ft, Irgep ft sack of your AcCamt 0411000, PIOU ing lwW= dtar9e5 WO feW Check Your A.c,aunf bN1r0e m am" ft i it remains bebw your Cm& line. IF YOUR ACCOUNT BALANCE EXCEEDS YOUR CREDITL ANY fSAE EVEN IF ONLY FOR ONE DAY, WE MAY CHARGE AN OVERLIMIT FEE OF M. YOUR ACCOUNT IS PAST {SUE AND OVER ITS CREDIT LIMIT. PIestle pay fee minimum payment listed above along voth "4venknll amouro immedwtefy w wit us 0 1 •SC -280.9441, AOWrRa tWIr?V6 : :,542-9'.?20WST?tA PreviotinIIalanW _..'.. S'.53J:d0 Statement Date t0l25?Cb Crech:aa Pav?r?ms - S^.fl0 .kEAleliaat3?ttti0AfAki?4:0D dWCy11MM5 Puratia "6 COW CAa2es 539:D4 ,Credntme 51,000.00 Cash Advances 56.04 e 1 i0,00 FMNCE04ARGE i3?;rz abie Credit td' Co*0 Ad"^? ae of 1 Cr:,rb5 Av a ll S0_00 NEW BALANCE , y ? 29 . FOR Btt.LINC ERRORS AND IMPORTANT INFORMATION. SEE REVERSE SIDE. saiar W Da"ary Awrepe Daily Padodic Annual % Fnvfm Grace _ __ OaNIr BaW" Rate Rate (APR) Ctlar+ses Turns Standard Purchase. Current Cycle $1.553.71 .081.511.' 29.74%' .836.72 Term A. S18nDlud Cash - CAxaml Cycle $0.00 .0815%' 29:74%' $0.00 form B ANNUAL PERCENTAGE RATEthw t1 p neevclo: 29,36% 'These rat" may vatY For 24-hour. Automated A=unt.Inktnnation, please cal 1100.28E 0561 or vian os a: www.pmvkHan.com Yom al= Urd is issued by Washington Wwal Bank, Hendertson. NV. C'1 c. \_ V c::3 0 1 v d" IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ARROW FINANCIAL SERVICES LLC Assignee and Successor in Interest of WASHINGTON MUTAL BANK Plaintiff V. : CIVIL ACTION - LAW DEBORAH L. GRAHAM, : NO. 09-1720 Defendant NOTICE TO PLEAD TO: David J. Apothaker, Esquire Apothaker & Associates, P.C. 520 Fellowship Road C306 Mount Laurel, NJ 08054 Attorneys for Plaintiff You are hereby notified to file a written response to the enclosed DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT within twenty (20) days from service hereof or a judgment may be entered against you. Dated: 0 rah Graham 902 Allenview Drive Mechanicsburg, PA 17055 Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ARROW FINANCIAL SERVICES LLC Assignee and Successor in Interest of WASHINGTON MUTAL BANK Plaintiff CIVIL ACTION - LAW V. DEBORAH L. GRAHAM, Defendant : NO. 09-1720 DEFENDANT'S PRELIMINARY OBJECTIONS Defendant, Deborah Graham, preliminarily objects to Plaintiffs Complaint, as follows: 1. Plaintiff commenced this civil action against Defendant Deborah Graham before a local District Justice on July 5, 2007 and nearly five (2) two years ago, and a counterclaim was timely filed on July 27, 2007 and the case was dismissed at the request of both parties on November 5, 2007. 2. Plaintiff filed its complaint thereafter in the Court of Common Pleas of Cumberland County on March 19, 2009. 3. The verification attached to the complaint is signed by Plaintiff's counsel, David J. Apothaker, Esquire who has represented Plaintiff and has been prosecuting this case since at least July 5, 2007 and, thus, has had almost two (2) years to obtain a proper verification but failed to so. 4. Plaintiff alleges in paragraph 1 of its complaint that it is a business limited liability company with an address c/o its legal counsel's address of 520 Fellowship Road, C306, Mount Laurel, NJ 08054. 5. Plaintiff purports to be a debt collector or collection agency and claims Defendant is indebted to the original creditor, Washington Mutual Bank, for a credit card account in amount of $1,867.01; however, Plaintiff fails to allege that it is registered to do business in Pennsylvania as required by state law. 2 6. Plaintiff also alleges in paragraph 3 of its complaint that it purchased the account from Washington Mutual Bank but fails to attach either any contract or agreement between Washington Mutual Bank and Defendant Deborah Graham, or any contract or agreement between Washington Mutual Bank and itself. 1. PRELIMINARY OBJECTION RAISING LACK OF CAPACITY TO SUE 7. Paragraphs one through six are incorporated by reference as if set forth at length herein. 8. Plaintiff identifies itself as a foreign business entity but fails to allege its place of business or address location; further, Plaintiff fails to aver that it is registered to do business in the Commonwealth of Pennsylvania or that it has obtained the requisite certificate of authority. 9. Plaintiff, a foreign business entity, is not permitted to maintain any action or proceeding in any court of this Commonwealth until such entity is registered or has obtained the required certificate of authority required by state law. 10. Plaintiff is precluded from bringing this action until proper registration is completed. WHEREFORE, Defendant respectfully requests that Plaintiffs' Complaint against her be dismissed for lack of capacity to sue under law or the Pennsylvania Rules of Civil Procedure. It. PRELIMINARY OBJECTION LACK OF CONFORMITY TO LAW OR RULE OF COURT 11. Paragraphs one through six are incorporated by reference as if set forth at length herein. 12. As a general rule, an action must be brought "by and in the, name of the real party in interest." Pa. R.C.P. No. 2002(a). 13. A real party in interest is one who can discharge a given right, obligation, or liability and control an action brought to enforce it. 3 14. Plaintiff alleges in paragraph 3 of its complaint that it is the Assignee and Successor in Interest of account #5542852000874014 and the Original Creditor is Washington Mutual Bank however, Plaintiff fails to attach a copy of any assignment or contract with Washington Mutual Bank. 15. Rule 1019(1) of the Pennsylvania Rules of Civil Procedure requires that where a 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. 16. Plaintif fails to produce a cardholder agreement and statement of account, as well as evidence of the assignment. 17. Plaintiff's complaint is silent about the substance of these writings and whether each writing is accessible. 18. Plaintiff's pleading is insufficient and Plaintiff has not established that it is a real party in interest or that it has capacity to sue in its own name. WHEREFORE, Defendant respectfully requests that Plaintiffs' Complaint against her be dismissed for lack of conformity to law or the Pennsylvania Rules of Civil Procedure. III. PRELIMINARY OBJECTION RAISING FAILURE TO CONFORM TO APPLICABLE RULES OR LAW. 19. Paragraphs one through six are incorporated by reference as if set forth at length herein. 20. The verification to plaintiff's complaint was not made by one of the plaintiffs, but rather was made by plaintiffs attorney, David J. Apothaker, Esquire. 21. Pa. R.C.P. 1024(c) requires that: The verification shall be made by one or more of the parties filing the pleading unless all the parties (1) lack sufficient knowledge or information, or (2) are outside the jurisdiction of the court and the verification of none of them can be obtained within the time allowed for filing the pleading. In such cases, the verification may be made by any person having sufficient knowledge or information and belief and shall set forth the source of his 4 information as to matters not stated upon his own knowledge and the reason why the verification is not made by a party. 22. The verification to plaintiff's complaint does not set forth the source of plaintiffs attorney's information as to the matters contained in the complaint. 23. Further, the reason given by plaintiff's attorney why the verification could not be taken by the plaintiff is a follows: "... plaintiff is verifying the foregoing Complaint because plaintiff's officers and/or representatives are outside the jurisdiction of the court and the verification of none of them could be obtained within the time required to file this pleading." 24. This action commenced on July 5, 2007, nearly five (2) two years ago, and was counterclaimed on July 27, 2007 at a lower Court and was dismissed at the request of both parties on November 5, 2007 due to Plaintiffs inability to obtain proper verification and validation of the debt. 25. The verification to plaintiffs' complaint is defective under Rule 1024(c). 26. The verification being defective, plaintiffs' complaint is not properly verified as required of a pleading under Rule 1024(a), and must be stricken. WHEREFORE, Defendant respectfully requests that Plaintiffs' Complaint against her be dismissed for lack of conformity to the Pennsylvania Rules of Civil Procedure. IV. PRELIMINARY OBJECTION RAISING FAILURE TO CONFORM TO APPLICABLE RULES OR LAW. 27. Paragraphs one through six are incorporated by reference as if set forth at length herein. 28. Plaintiff's Complaint fails to set forth sufficient facts as to time, place and items of special damages with specificity, as required by Pa. R.C.P. 1019(f). 29. Plaintiff alleges in paragraph 3 of its complaint that Defendant was furnished consumer credit by Washington Mutual Bank bearing account number 5 5542852000874014. Plaintiff fails to attach or to explain the absence of its alleged statement of account as required by Pa. R.C.P. 1019(h). 30. The Complaint purports to state a claim against Defendant for default under the terms and conditions of a written agreement governing the use of a credit card. Further, Plaintiff alleges that it "purchased" the account and is the "holder or owner". 31. Paragraphs 4 of the complaint allege that "Defendant received, accepted and used the account to its benefit." Plaintiff fails to attach a signed contract, the charge slips, the application for the credit card, or any statements of account. 32. Plaintiff fails to identify those specific dates of use or terms under the contract that substantiate the alleged balance or amount owed. 33. The Complaint does not comply with Pa. R.C.P. 1019(a), which requires that "the material facts on which a cause of action or defense is based shall be stated in a concise and summary form". 34. As a result, plaintiffs complaint is vague and general and does not specifically state the debt incurred or what, if any, payments are due and the nature of the charges included as part of the amount Plaintiff claims to be owed. 35. Under Pa. R.C.P. No. 1028(a)(2), a party may preliminarily object by way of a motion to strike off a pleading because of lack of conformity to law or rule of court. 36. The substance of Plaintiffs Complaint violates the Pennsylvania Rules of Civil Procedure and must be dismissed. WHEREFORE, Defendant respectfully requests that Plaintiff's Complaint against her be dismissed for lack of conformity to the Pennsylvania Rules of Civil Procedure. V. INSUFFICIENT SPECIFICITY OF A PLEADING 37. Paragraphs one through six are incorporated by reference as if set forth at length herein. 38. Paragraph 4 of Plaintiffs Complaint generally avers that "Defendant received, accepted and used the account to its benefit." 6 39. Paragraph 5 of Plaintiffs Complaint generally avers that this account is in default and Defendant has an unpaid balance of $1867.01 40. Paragraph 6 of Plaintiff's Complaint generally avers that "all credits, if any, to which Defendant(s) is entitled, have been applied to the account and are included in Exhibit "A"." 41. The Complaint fails to set forth the dates and amounts of the charges due as part of the duty imposed by the Pennsylvania Rules of Civil Procedure to attach all documents which form the foundation of a cause of action and to give the Defendant sufficient notice of the charges against her. 42. Under Pennsylvania Rules of Civil Procedure 1019a complaint must include the amounts of the charges that are part of the claim, the dates of the charges, credits for payments, if any, dates and amounts of interest charges and amounts of other charges. 43. The complaint should contain sufficient documentation and allegations to permit Defendant to calculate the total amount of damages that are allegedly due by reading the documents attached to the complaint and the allegations within the complaint. 44. Plaintiffs complaint lacks sufficient specificity to apprise defendant of the issues to be litigated or to allow her to adequately prepare and assert defenses to plaintiffs allegations. Moreover, the deficient averments prevent her from being able to identify and join any potentially responsible parties as additional defendants such as a primary signer who may have the sole obligation to repay the alleged credit account. 45. Additionally, Defendant is entitled to more specific information to be able to answer intelligently and determine if she is even obligated for such credit card and what items she can admit and what she must contest. 46. The Complaint generally asserts a breach of contract and other failures of performance against Defendapt, contrary to Rule 1019(f). 47. The Complaint fails t9 ate any facts upon which the amount of damages may be calculated, in violation of Pennsylvania Rule of Civil Procedure 1019(a), 7 which requires that "the material facts on which a cause of action or defense is based shall be stated in a concise and summary form." WHEREFORE, Defendant respectfully requests this Court to require that Plaintiff's complaint be stricken and dismissed for lack of pleading more specifically the averments of its complaint relating to damages and the nature of the default. Respectfully submitted Dated: Deborah Graham 902 Allenview Drive Mechanicsburg, PA 17055 Defendant 8 VERIFICATION I, Deborah Graham, hereby acknowledge that I am Defendant in the foregoing Preliminary Objection and that 1 have read the foregoing, and the facts stated therein are true and correct to the best of my knowledge, information and belief. I understand that any false statements herein are made subject to penalties of 18 Pa.C.S. Section 4904, relating to unswom falsification to authorities. DATE: Z//-, 10.5;i e orah Graham 9 CERTIFICATE OF SERVICE 1 HEREBY CERTIFY that a true and correct copy of the foregoing Preliminary Objections to Plaintiffs Complaint was furnished by U.S. Mail, Certified and first class, postage prepaid on this 'may of bivir , 2009, to: David J. Apothaker, Esquire Apothaker & Associates, P.C. 520 Fellowship Road C306 Mount Laurel, NJ 08054 Attorneys for Plaintiff Dated: ? I n `( Deborah Graham Defendant 10 ???4 ?,?4(?t ` ???, ?? ?. Sheriffs Office of Cumberland County R Thomas Kline y??? qtr of clurzGrr{r f Edward L Schorpp d Sheriff Solicitor Ronny R Anderson Jody S Smith Chief Deputy tom'" Civil Process Sergeant SHERIFF'S RETURN OF SERVICE 03/31/2009 08:55 PM - Mark Conklin, Deputy Sheriff, who being duly sworn according to law, states that on March 31, 2009 at 2055 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Deborah L. Graham, by making known unto Deborah L. Graham personally, at 902 Allenview Drive, Mechanicsburg, Cumberland County, Pennsylvania, 17013, its contents and at the same time handing to her personally the said true and correct copy of the same. SHERIFF COST: $47.80 April 02, 2009 SO ANSWERS, R THOMAS KLINE, SHERIFF Deputy Sheriff. Docket No. 2009-1720 Arrow Financial v Deborah L. Graham Fii FO--J?i 1 P ? t THE Q -r: rh,M1?r? 2009 AN 6 P ?.? 3.38 E I "?: IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ARROW FINANCIAL SERVICES LLC Assignee and Successor in Interest of WASHINGTON MUTAL BANK Plaintiff V. : CIVIL ACTION - LAW DEBORAH L. GRAHAM, : NO. 09-1720 Defendant CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Defendant's First Set of Interrogatories Addr ssed to Plaintiff was furnished by U.S. , first class mail, postage prepaid on this ay 110?2 2009, to: David J. Apothaker, Esquire Apothaker & Associates, P.C. 520 Fellowship Road C306 Mount Laurel, NJ 08054 Attorneys for Plaintiff o.ea: < K lD y D'bor e Graham Defendant ALS)1CE O PPPT!'MTAPY YM MY -8 ' Ati D 17 FAA , . IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ARROW FINANCIAL SERVICES LLC c/o Apothaker & Associates, P.C. Plaintiff V. : CIVIL ACTION • LAW DEBORAH L. GRAHAM, : NO. 09-1720 Defendant NOTICE TO PLEAD TO: David J. Apothaker, Esquire Apothaker & Associates, P.C. 520 Fellowship Road C306 Mount Laurel, NJ 08054 Attorneys for Plaintiff You are hereby notified to file a written response to the enclosed DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S AMENDED COMPLAINT within twenty (20) days from service hereof or a judgment may be entered against you. Dated: U Deborah Graham 902 Allenview Drive MPrhnnir_chi im PA 17(155 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ARROW FINANCIAL SERVICES LLC c/o Apothaker $ Associates, P.C. Plaintiff : CIVIL ACTION - LAW V. DEBORAH L. GRAHAM, : NO. 09-1720 Defendant DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S AMENDED COMPLAINT Defendant, Deborah Graham, preliminarily objects to Plaintiff's Amended Complaint, as follows: MOTION TO STRIKE 1. PRELIMINARY OBJECTION RAISING FAILURE TO CONFORM TO APPLICABLE RULES OR LAW. 1. Pa. R.C.P. No. 1019 requires that a Complaint must set forth allegations in a clear, concise and summary form, including a specific averment of default. 2. Pursuant to Pa. R.C. P. 1019(f), averments of time, place and items of special damages shall be specifically stated. 3. The Amended Complaint purports a claim against Defendant for default under the terms and conditions governing the use of a credit card. 4. Paragraph 3 of the Amended Complaint purports that Defendant "applied for" a credit card and received a credit card issued by Washington Mutual Bank; however, paragraph 5 clearly states the Plaintiff, Arrow Financial Services, LLC "PURCHASED" this account and presently "owns and holds this account." Plaintiff fails to attach a signed, written contract and Plaintiff fails to allege the terms or conditions of any agreement that Defendant had with this company or its assigns. 2 Y 5. Plaintiff attaches to its Amended Complaint copies of purported monthly statements, as Exhibit "A"; however, the copies show a different pre-printed address on the new account acceptance card used by Plaintiff for the alleged credit account. 6. Further, Plaintiff's Amended Complaint attaches a copy of a purported "New Account Acceptance Card", as part of Exhibit "A"; however, Plaintiff fails to attach any agreement that was signed and dated by Defendant. 7. Plaintiff fails to attach a signed contract, the charge slips, or the application for the credit card in violation of the pleading rules. See Worldwide Asset Purchasing LLC, v. Nancy A. Stem, No. AR04-4429, slip op., (PA C.P, 2004); Atlantic Credit and Finance Inc v. Giuliana, 829 A.2d 340, (Pa. Super. 2003); Belmont Services Group, Inc. v. Curtis Hawkins, Sr., No. AR07-010035 or AR07- 011035 Judge Stanton Wettick, Jr.; and Palisades Collection, LLC v. Jane M. Grassmyer, No. Blair County PA No. 2007 GN 2840. 8. Rule 1019(i) of the Pennsylvania Rules of Civil Procedure requires that where a 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. 9. The bill of sale does not reference an account number nor does it show any correlation or relationship to Defendant therefore, it fails to meet the requirements of Pa. R.C.P. No.1019(h) and (i). See Belmont Services Group, Inc. v. Curtis Hawkins, Sr., No. AR07-010035 or AR07-011035 Judge Stanton Wettick, Jr.; and Palisades Collection, LLC v. Jane M. Grassmyer, No. Blair County PA No. 2007 GN 2840. 10. Plaintiffs unsigned and undated customer agreement and purported monthly statements using different mailing addresses do not substantiate the existence of a signed contract, charge slips or the credit application, as required by law. See Worldwide Asset Purchasing LLC, v. Nancy A. Stem, No. AR04- 4429, slip op., (PA C. P., 2004), Atlantic Credit and Finance Inc v. Giuliana, 829 A.2d 340, (Pa. Super. 2003) Belmont Services Group, Inc. v. Curtis Hawkins, Sr., 3 No. AR07-010035 or AR07-011035 Judge Stanton Wettick, Jr.; and Palisades Collection, LLC v. Jane M. Grassmyer, No. Blair County PA No. 2007 GN 2840. 11. Under Pa. R.C.P. No. 1028(a)(2), a party may preliminarily object by way of a motion to strike off a pleading because of lack of conformity to law or rule of court. 12. The substance of Plaintiffs Amended Complaint violates the Pennsylvania Rules of Civil Procedure and must be dismissed. WHEREFORE, Defendant, Deborah L. Graham respectfully requests that Plaintiffs Amended Complaint against her be dismissed for lack of conformity to the Pennsylvania Rules of Civil Procedure. ll. PRELIMINARY OBJECTION RAISING FAILURE TO CONFORM TO APPLICABLE RULES OR LAW. 13. Paragraphs one through twelve are incorporated by reference as if set forth at length herein. 14. The first Complaint attached a verification that was signed by Plaintiffs counsel, David J. Apothaker, Esquire who has represented Plaintiff and has been prosecuting this case since at least July 5, 2007 and, thus, has had almost two (2) years to obtain a proper verification but failed to so. 15. The verification to plaintiff's amended complaint was not made by the party filing suit, but rather was made by one, Tonia Easterline representing herself as an "Outsource Manager" for Plaintiff, Arrow Financial Services. 16. Pa. R.C.P. 1024(c) requires that: The verification shall be made by one or more of the parties filing the pleading unless all the parties (1) lack sufficient knowledge or information, or (2) are outside the jurisdiction of the court and the verification of none of them can be obtained within the time allowed for filing the pleading. In such cases, the verification may be made by any person having sufficient knowledge or information and belief and shall set forth the source of his information as to matters not stated upon his own knowledge and the reason why the verification is not made by a party. 4 17. The verification to plaintiffs amended complaint was not taken by the plaintiff and does not set forth the source of Tonia Easterline's information as to the matters contained in the complaint. 18. The verification fails to contain a written explanation of the reasons why a verification by the Plaintiff could not be obtained within the time allowed by law for the filing of the pleading. See Commonwealth Financial Services v. Scott Miller. No. AR04-4572, slip op., (PA Court of Common Pleas, 2004) citing the case of Rokeby-Johnson v. Willem Moenni tend Son. Ltd., 41 D.SC.3d 594,597-98 C.P. Phila. 1984) 19. This objection is not trivial because Plaintiff fails to allege sufficient facts to demonstrate that Defendant signed a contract or actually applied as the responsible party. 20. Plaintiffs' Amended Complaint is not properly verified as required by Rule 1024(a), and must be stricken. WHEREFORE, Defendant respectfully requests that Plaintiffs' Amended Complaint be stricken. III. INSUFFICIENT SPECIFICITY OF A PLEADING 21. Paragraphs one through twenty are incorporated by reference as if set forth at length herein. 22. Plaintiff commenced this civil action against Defendant Deborah Graham before a local District Justice on July 5, 2007 and nearly two (2) years ago, and a counterclaim was timely filed on July 27, 2007 and the case was dismissed at the request of both parties on November 5, 2007. 23. On March 19, 2009 Plaintiff filed the same complaint again in the Court of Common Pleas of Cumberland County, almost two (2) years after the first case was dismissed pursuant to the lower court's ruling, well past the thirty (30) day timeline in which to file a proper appeal therefore prejudicing Defendant from 5 being able to defend or counterclaim under the Fair Debt Collection Practices Act which holds a one (1) year statute of limitation. 24. Plaintiff purports in its Amended Complaint to be a debt collector or collection agency and claims Defendant is indebted to the original creditor, Washington Mutual Bank, for a credit card account in the amount of $1,867.01; however, Plaintiff fails to allege that it is registered to do business in Pennsylvania as required by state law. WHEREFORE, Defendant respectfully requests this Court to require Plaintiffs' Amended Complaint be stricken and dismissed for frivolous filing, lack of pleading more specifically the averments relating to damages and the nature of the default. Dated: Respectfully submitted Deborah Graham 902 Allenview Drive Mechanicsburg, PA 17055 Defendant 6 VERIFICATION I, Deborah Graham, hereby acknowledge that I am Defendant in the foregoing action and that I have read the foregoing, and the facts stated therein are true and correct to the best of my knowledge, information and belief. I understand that any false statements herein are made subject to penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. DATE: Deborah Graham 7 CERTIFICATE OF SERVICE HEREBY CERTIFY that a true and correct copy of the foregoing Defendants Preliminary Objections to Plaintiff's Amended C plaint was furnished by U.S. First Class Mail, postage prepaid on this day of - 7P , 2009, to: David J. Apothaker, Esquire Apothaker & Associates, P.C. 520 Fellowship Road C306 Mount Laurel, NJ 08054 Attorneys for Plaintiff Dated: Deborah Graham Defendant 8 of TVAE )' IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ARROW FINANCIAL SERVICES LLC Assignee and Successor in Interest of WASHINGTON MUTAL BANK Plaintiff V. : CIVIL ACTION - LAW DEBORAH L. GRAHAM, : NO. 09-1720 Defendant CERTIFICATE OF SERVICE HEREBY CERTIFY that a true and correct copy of the foregoing Defendant's Request for Production of Documents Addressed to Plaintiff was fumished by U.S. first class mail, postage prepaid on this ?aY of cxA? 20 to: David J. Apothaker, Esquire Apothaker & Associates, P.C. 520 Fellowship Road C306 Mount Laurel, NJ 08054 Attorneys for Plaintiff Dated: o Deborah Graham Defendant RLM-OH' OF THE PROTHONOTARY . Y 4 010: 1'7 Q UM CUM.= I-ii) F'?YAhf.A •? w . ; , Our File No.: 10 1419 APOTHAKER & ASSOCIATES, P.C. BY: Kimberly F. Scian, Esquire Attorney I.D.#55140 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff ARROW FINANCIAL SERVICES LLC ) c/o Apothaker & Associates, P.C. ) 520 Fellowship Road C306 ) Mount Laurel, NJ 08054 ) Plaintiff, ) vs. ) DEBORAH L GRAHAM ) 902 ALLENVIEW DR ) MECHANICSBURG, PA 17055-8604 ) Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 09-1721-CIVIL AMENDED COMPLAINT FIRST COUNT 1. Plaintiff, ARROW FINANCIAL SERVICES LLC, is a company with its principal place of business located at 5996 West Touhy Avenue, Niles, Illinois 60714. 2. Defendant is DEBORAH L GRAHAM, an adult individual residing at 902 ALLENVIEW DR MECHANICSBURG, PA 17055-8604. 3. Defendant applied for and received a credit card from WASHINGTON MUTUAL BANK account number 5542852000874014. 4. Defendant used the credit card, account number 5542852000874014, and as of April 09, 2009 there was an outstanding balance due and owing in the amount of $1,867.01. 5. Plaintiff purchased this account and presently owns and holds this account. 6. When Plaintiff purchased this account there was an outstanding balance due and owing of $1,867.01. Attached hereto as Exhibit "A" are the Bill of Sale and Statements. WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of $1,867.01 and requests this Court award Plaintiff attorney's fees and costs to the extent permitted by applicable law. APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Engaged in Debt Collection Y: Dated: 4/20/2009 Scian, Esquire Our File No.: 101419 VERIFICATION Tonic Easterling__hereby states that I am Outsource Mgp er for plaintiff, Arrow Financial Services, in this action, and that I am authorized to take this Verification, and that the statements made in the foregoing Amended Complaint are true and correct to the best of my knowledge, information, and belief. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C.S.A. 4904 relating to unworn falsification to authorities. DATE: 112-1 1C? lSo APP l 3 ?109 y' 3 i mow/ t ?r ?k TAW no"MA kiIp001d1ot1?t waim $SAW Luc t "'?t? '?• dad a d NdYaft A 2M (M "Am--wooft- Am mmkm? *OAVMWA)#A AOONAfOOMI R,r rt MONVA IR lim din or a n*m d ? of GbffwK am$ to to Ig4?re? WW Is 62 B?o?a?aaenl?Tc?ae??.?A03 . w'11 tMUTUALBOK Br 4 M ADvw Sb 7A l l n OS OW"m t WAAW 4 '? A?I? 'f1M A7?e ?aa nuu? «r uaty+a ???. ?, .... 1 PAYMENT MUUMUU BALANCE AS O ACCO{Ati DUE DATE PAYMENT 9 Di. MAL49ER aae.4soSw*, %D,Ta7Ma9.aws 03811 ito2.ao ii,706,65. 5542-8M-M7-4014 "Got mono 41M84.a 00 'DDwv-orDle*W AuotMytGkI.c=fw&:hiw«s1.*i k1 N W k4 Ch6co P4y4aM to Provlawn Nom. Pfgn4 _..._.. ..... ....__..__lh%k.t?l`aDA. _..._._.. .__. _..,..._...:.. ON ................ _..__.........._..._._._._...... - PROVWXAN PROCESSING SVGS. DEBORAH L GRAHAM ea+s4 P.O. Box 4007 902 ALLEN1t EW DR DALLAS TX7520.0487 MECHANtCSBURGPA i7 S-86U flrrld.L.d"111.I1..11,r.,1".11.,11."11.1.1"..iflrt?i 1.1,111"11110.B1111Ill. $542652000674014 0010200 0120665 0003100 25 ! DETAC14 HERE y y 1 [0109641 DODa BIDS. 948 7 659525 v,.N 1 0 I N $00 42954 YOUR ACCOUNT IS PAST DUE AND OVER ITS CREDIT LIMIT'. Please pay ft minimum payment Wed above abng with the o"*M amount klmnsdiately M Call us at 14W-2W9441. psi rlaa hen yevr Card. Log in at wwwoa mdm.com to access discounts, view your latest transactions and check your FW t7e* sxr9 FREE I lrs all j rst a cSok away. . 's6a2-la?tcitslx t}rt?youp5eaaaiwe ia,ios;?i 0525fi5 Credits E Payments 50:00 eo'- 490 r . 1-Ohv? 31.000.00 Cash Advwv" 50.00 x c .ell ? _. da Advano9s as of D526M 30.00 NEW BALANCE s 24F 55 .0olanos Caw" Avsrapa Dally Parlock Afmal % Finance Grace _??__ DalWSafsnoe Asia Rate (APR) :Chmes Terms Stmrdard Purchase • Current Cyde 31.124.18 :070596' 25.7496' $23.76 Term A Slaratard Cash . C VT*M Cyd! $0.00 .070576' 25.7476•. 30100 Term 6 ALiLr ?UIT? as ti5ing erda 2516% 'These miss may vary For 24~AuWMB stl Acs" W1 lnlormal0o, posse caA 1.>tp0-2W0561 or vixt us at www.provkW.com Your wooUrd is batted by PwvWlan Nadmal Bank, 11fton, N[H. PAYMENT MINA" BALASMASOF AOOOUKT DUE DATE PAYMENT 01102418005 XLVAEI4 PA 9. as".Ddw.TX mam"ta9 07!81105 57.3/0.58 5 542-85"x-0087-4814. Sf4;t o0. ? Chop s1.Aeegf/ adw OW bu4 xaledt Nq . N c k ink) a AMOU1iT ONCmo (". W. Adwvsf: AN' t j? ` ' } ? j { Now m4. ;. wee, Peenv _.._ A,O . N asYS Chscas Payssis to rmvMtsn OOD 6446:.__..-, ,.........-_ PPOVIDIAN PROCESSING SVCS, DEBORAH L GRAHAM rrs44 P.O. BOX 668487 802 ALLENVtEW OR DALLAS TX 75268.0407 MECPANIC88URG PA 170558604 It.„I,I01 1,111 1,1l,r,11„11,,,11„II„[dl„11„trL„ M..01 Ll11 1 1 5542652000674014 0014200 0131052 0010200 25 E DETACH HERE M c COL099#1 6192 fill 145 r fS4424 P.V. 1 H 1 N too 77544 bvnWUM Mason YOUR AO=WTIS PAST DUE AND OVER ITS CREDIT LIMIT. Please pay 5111 mirirnum paymwnt aswp above along with 1111 OYWkitalnoltnthnmadi 1Wtyor00usat1.800.21W-8447. .AW Wa aUaM . 1 ' te SlstNesat Daa 0&24AS Credfs It Payments $10 .00 2 y y? t? ??Pw/r?tllt'P??BlB : dt7?b?'=}Sa41s4? ,??t1e...harDe 0 2 ?+A?'?!Q C rredh Line 51.000.00 Cash ACvances 0 .00 5 , mgaa7ea#1.1r12Mi8. IiEtAO F ,.. t ? u . m)i.7 :1 an ces aso106.24A5 #vailabk Crsda fa CaM A ld $0.00 NEW BALAkGE - $1.310.52 u . 1tY o7 30 :800" coo" Averapa Daily Park Annual% Rmna Grass DaMY mm s Raw mm Chases TWM SmndW Purchase • Cwrart Cycle $1,253.98 .0794%* 28.89!x' x29:87 Term A Standard Cash - Currwg Cycle $0.00 :0704%' 26:08%' 50100 Term 9 ANWAL ? RCBNTAGE R 3*4 ai?yo de' $6.6 % 'Those rates may vary, For 244%ourAuWmtedAccount h4orrmaswr.plean call /.80G2WW$1 or vish us al www.pmvldan.com your aemmi is Inuad by PmvMw Na*nal Bards, Tflton, NH. PAYMWT MM" M MALIfMM AS OF A fT 427E DATE PAYMENT QW21112 D6 MJMBER o0 a.. seem, nwbkTX no$-mm ?. 51r0.t0 t+.sea+7r 5542.5520-0087-4014 t.anr tag, M Amami, arw lost loos tor It" kM - AMCNR 6NCLam4%o'1o tr..«lita wo Add- _ N Mao ctmks Peyab4,o P WA"n PROVOM PROCEMNOi SVCS. DEBORAH L GRAHAM 4e3ss P.O.Soxallow OMUSAINtCi DCaPA 17053.8604 DAU AS TX 7526d-0a87 11 till Iloilo.] 41,111,111 0.11 .... 11.111119,111 5542852000874914 0018400 0138334 0010200 25 DETACHHmw y C COL„fre, 41112 '1126 046 r Isor2i P.f. 1 0 1 N all 4f3s* bnportw4 Warps YOUR ACCOUNT 05 PAST DUE AND OVER ITS CREDIT LIMIT.. Please PeY the minimum payment lasted above along with #Wararl' eincitnt t,nmwia" or can as at i -800-2WS"l . •AWelea e Oki RI/RPDa1M 07126MS CrKk% & PaYments 50100 Cnafitlte $1.000.00 CashACvancas 510.00 RIM 601k, 1 AvailrbN Cmaint /9r . AdNfl4KaedO7J W05 $0.00 NFW SAtANCE $1.383 59 to Waffi'm FOR BIWM d E VKM AND NJIPORTANT WFORMATION. SEE REVERSE SIDE. •Bdrraa CMtapory Araape Deny Peraldk Annual % Finance grace PM §0_" Rate Rate (APR) Chaiges' Terms Standard Puchase • cwrent Cycle $1,93218 .0794%• 26.99%' $33.97 TermA Standard Casts Currant Cycle $0,00 .0780%• 28.94%• 30,00 Term 8 ANNUAL P ni M E RATE** Wkv cyder MAM *Time Man may AM. For 2e-r mar Aumrnsi ed Atmamt intermabon, pease can 1-800.25441581 of vrslt tHI at wwW prcvk%w-c0m your tacaoatu b bawd by Prwkkn Naft" Bartle, Tilton. NK PAYMENT MINIMUM BAd,A CE AS OF ACCOUNT DUE DATE PAYMENT 041lSr2008 NUMBER m 9..low.00^ tR 70N-0tls 0aftlAUS t . _' J tn?s8 is 5542-8620-0067.4014 1.d.WC4na996Memo* 9alawAmbbmwNook *0 AIIC1A 9Cloet 6"bumorl"kV Add-: ? sF-T=j I1 My Pan.:. _.YkalkEkiM' N. Mali Ch"Its"We to PmvNBan e00 PROVIDIAN PROCESSING SVCS. OESDRAH L GRAHAM Irm 902ALLE111VtEWOR PA BO 8W7 DALLAS `fX7SM-0487 MECHANICSBURGPA 1705"804 I1. .aa.i...I.I.1110 11.111,.. 11,d1..Lt...lt..l,1r„t11uJ tu.I11.o11111 55428524700874014 0022800 0145612 0010200 25 DETACH HERE 4 COL09991 6492 6160 949 r osm2s #.n i f i N ooa s19st al Sts=mantOao9 OSMS105 CredtsaPyyments SO.OQ CtemufM Si 000 Ad va nces Caas hh $0.00 ??IDf?fBld5708. '. ' YD AC ` ' t . y Ppb.?1'.??Wt?E • ?)j5373 'Alitable Credt iw Cash Astvar,us es r3i 'J9.25+bt SO DO NEW BALANCE $1.456.12 ?kt 6 30 PAR SiL M ERRORS AND IMPORTANT INFORMATKK SEE REVERSE SIDE. -t??er+a Caegery AWraps Do*Pad*& AmW% Rnams Galles C7w whim Rata Rats tAPRt Ch$Mw Tern= Slarldotd Purchase , Curse Cyds $1.403.48 .0801 2924%' $33.73 Term A $wwwd Cmh - tAa§sM CYda 3100 .0801 292496' 10:00 Term 8 ANNUAL P 1TAl= R/ Tgft biN6w coda; 28.84% `These mta may vary. For 244fty& tomatad AooourvI U*rmatart please call 1-NO.280-0661 a* visit us at www.providian.can Your axoum Is honed by Providlan National Bw*,T ton, NH. YOUR ACCOUNT IS PAST DUE AND OVER ITS CREDIT LIMIT. Please pay ft mWmUM payment listed above along 9141h a- . -I.ax-.a a... wAtow a ran „4 ¦r 146NM. "l PAYMENT MaOMUM BALANCE AS OF ACGOUWr UM DATE PAYMENT t161UMM MAANIER Pa. e. eseyt.oartx tassab 1O1aa106 5[JS tlS t1,Baa 4D 5542-8520-OW-4014 bWWs9t:e6w*10,11 ad-tw941e49rlledW {MOUnra CWSWtest YIn Of We& Wt AA*um: Apt s F7=0 .0.CQC? C,.:. _,....Ylpk. o Make Cheeks prM61e.PsWMn H-Plee ph- 66P SAM PROVICLAN PROCESSING SVCS. DEBORAH L GRAHAM tssss P.O. Box 680487 902 ALLENVIEW DR DALLAS TX 752"-0487 f jjMECHANICSBURfl.PA 1!7055.6604 11111'1'1'11I.l11.1111111{f111111I'll. 1111Lll1lllt?lllllltlll ?... {III... I 11lUd,1111.111ll II III I IlI I1111I.11 11111111111. 1I1I1 5542852000874014 0027500 0153340 0010200 25 MACH HERE y S smasest 6692 9119 546 I 666126 Pate 1 a1 I v s6$ 7sss1 knpwwdmmmw- YOUR ACCOtW 3 PAST DUE AND OVER TTS CREDTf LIMM Piano PRY Me M WMM Paynmt Voled above song with firs war6tNtwwwo immedia" or call to at 1400460-9441. atantOs 00mem Ca*mAParatts 50.00 C400 Lire SI.Ma.00 Cashadvances $OOD r?ljeaiMLta _ : > po _ zee 'AvaiU&W Crndt for Cash A %WV*$ as of 09726/05 $000 NEW BALANCE Sr.533 40 T Tatl Reftragme Wu l AmosM OM 0,00 -FOR BRIM @RRORSAM tMpWTANT INPORMATMSEE REVERSE SIDE. Oa1S3?Y Avows Capp Paftft Amusl % M MW* Gran Eft Volumes Rate Rata (APR) ohm" TOM* StsrglaWPurchoo-C tornCyde $1,460.61 .060690' 29AS%* 53620 TormA StanpirdCob-CdxWdCYda 50.00 MOW 29.49%' 50.00 Term B ANmLlAL. PE (1`AQE $tATEO* bRU q cede: . 91.=71 'Thom r can. aNa may For 24•AtufAvis"ted Awant Information, please tad 14IM26 0561 Of visit us at www.provkbn.WM Your awmnt is ksuod by Pmvktlan Nedonai Sank, TBton. NH. PAYMWT Ntg84UM 6ALANNG6 As OF ACOOUNr DUE GTE PAYMENT 10RAMOS NUMBER w w. rurrr, tar c ra 7uoao-eAn 71/21/06 Izaa tp 77.$22.77 554248520-0087-4014 rs..Wpry.AAdilrw ar.wlu..w»«w.s au .1erMntT EMGLtilCr:O'(ur W. e. Wd teq - 4, $00066.00 auw. Maka ehKa Fayat4e to wor"Vies IkftW % WASHINGTOMOW N ACTUAL CARD SERVICES DEBORAH 1 GRAHAM 74255 P.O. 802r DALLAS TX ?S MECHANICSBURG PA 17055.7604 X 73466-0087 11...I.III##.II1411.1111.11 1111 In11. 1 1.11 1..1111..11111. 111111111 11 1 F111111..1I11111111111.1111.11.I.11 5542652000874014 0032400 0160912 0010200 25 DETACH HERE y C ;"Ve Cl 4012 101.1. a" 7 63102E n•pY 1 .. 1 x. ea4 74755 " You an leep2milhfor kaepinp track of yw Account balance, kWOOV financ* chhwges WW 400, Chad. y01M Account tualttrl2e 02 WW" 0*4 re"W" bell- year 0*& Lim. M YWRACCOLW BALANCE EXCEEDS YOUR CREDML AA ANY TW- EVEN W ONLY FOR ONE DAY, WE MAY CHARGE AN OYERLIMIT FEE OF $35. YOUR ACCOU14T a $AST DUE AND OVER ITS CREDIT U MTT. Please pay 01e mfiiffum paymerf7 Wed above a" with on orar7rtil amou" booo tsty or mH us at 1-d00-2W4441. mDats Iw5g5 Creft&Pa monk 30.00 " Room OW411ow , $1.000,00 CashAdvarm 50.00 ? ?> vances"of 1025A5 Cash A d voilabla +dt A C tw $0..00 NEW BALANCE ?- S'.504.17 y ? J _ _ , ? ? .Behr" CaMyory Average OakPAiod12 Armual% Finance Grace DST Qu1>»ca Rate Rabe IAPR1 ChgMw TO" Starrdaid Purchase- Current tide $1553.71 .0615%' 29.74%' $36.72 Term A St7 ffnisf 1 Cub - Cumem 008 $0.00 .061577' 29.74%* $0.00 Teim 8 M RATEiya biSnD a„yda' L1.39% •rltaes rafts ma Very algi VSIIWJW Fora 4-hourALADMtadAabuntbrbnna5nn,ptoawcal1,000.2WOM orvWjusat rww,providlamcom Your aocoant Is Issued by Washington Mutual Bank, Henderson, NV. BAt,ANCE AS PAYMENT MINIMUM OF 07rAW DUE DATE PAYMENT AMOUNT ENCLOSED ACCOUNT AMEN 5542-8520-0087.40114 fiA8s8s 1WG.22.2004 363,D0 $FI d Indicate change of address on back MASTERCARD Make Checks Payable to PiovkNan Processing Services if loll] 5r1r,1,f11nlulrln PROM M PROCESSING SVCS. Please be sure PO BOX 660548 ? this address appears DALLAS, TX 7526"SIS in the window. DEBORAH L GRAHAM Page 1 of 1 9 02 ALLESIV 11W DR WWI MECHANICSBURG PA 17055`-8604 pill ii,„111it r,111„1,111,.1„11ir)hr„ir,111M141,t„1,1 5542852000874014000630001085953 ------------- ___--_-------------- --- ---__?rEaE-__ Your account ij'(5- swedZay Prov#dian NatlQnal6ank, Ti##on, t?H. ?rACtr i MESSAGES FROM MASTERCARD Ma" your payment by &*ck7 in an effort to reduce casts and improve effldency. receipt of your Check for payment *Lovd es Providisn to imitate. at no rout to you. an Auioniated C,lexirghousa (ACH) debk to yo,r checking scrntrs for the sane amount as an a%emstive to the paper-based crock dew* V system. YOUR ACCOUNT IS PAST DUE AND OVER ITS CREDIT LIMR. Pteese pay the mbtimum payment meted above along w4h the ovenprtt amount Immediately or cog to at 1400-280-9441. MASTERCARD TRANSACTIONS Train Lost ri r n ?gaterence NuMosr AM010 5- W 18 LONr MECNANICSURG PA 10548oT4198327952=137 5211 14.80 07.22 07-22 LATE PAYMENT CHARGE 0000 39.00 07-26 107-26 OVERUMiT FEE 0000 35.00 FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER 5542.6'5204087-4014 Prsvlow Balance $975.17 Days in Billing Cycle 32 - Credits .00 Statement Data 07125104 - Payments .00 Minimum Payment $63.00 Purchases Payment Doe Date OtiTV" + 3 Ottw Charges 85.80 ? Cash Advances .00 Credit Line $1,000.00 + A WAN" CHARGE 20.98 Available Credit as of Statement Date $.00 e NEW BALANCE 311085.85 Available Credit for Cash Advances as of Statement Date $.00 BALANCE CATEGORY Average Annual Daily Finance Grace Daily Percentage Periodic Charges Tenors Balance Rabe Rate Standard Purchase $997.84 23:99%* :0857'x' sn.98 Term a Standard Cash $100 23.99%' A65T%* 3.00 Term S ANNUAL PERCENTAGE RATE this billing cycle; 23.99% For 24-hour Automated Account information, call 1-800-856.0011 or visit us at www.provlttlanonlirte.COm. `These Rates May Vary ?_.??? ..?? _..M??d?_ .?,.._ .H.?u.m •.. w._.m............. ?,.. __.•. BALANCE As PAYMENT MMtMUM Of 46126104 DUE DATE PAYMENT AMOUNT ENCLOSED _ ACCINUMBER 55424520-M7-M14 5978.17 JUL 21.2?a ?311.0t1 II ''""II $1 0 Indicate charge of address on back MASTERCARD ? Make Checks Payable to Providlen ProcesskV Services PROVID AN PROCESSING SVCS. Please be sure PO BOX 6611548 this address appears DALLAS, Tx 7526"548 is the window. DEBORAH L GRAHAM Page t of 1 902 ALLEWIEW DR 0014124 xzcxANIC9BVR0 PA 17055-8604 5542852000874014000300000976178 Your account is issiird by':Prowidan i?iatina! Bank,.l? G- Nli.--------------- oer A-C HweaE?- ME$SAGES FROM MASTERCARD MASTERCARD TRANSACTIONS TDra"W e Description Referenc Nurrlber Amoln 06-17 PAYMENT RECENED - THANK YOU 7540933416 71851 4 0000 30.00 PY FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER 5542-8520400874014 Envious Balance $966.69 Days in $filing cycle 30 - credits .00 Statement Date 06124104 - payments 30.90 Minimum Payment $30.00 Purchases payment Due Date 07/21/04 + i4 Otter Charges A0 +Cash Advances .00 Credit Line $11000di0 + FW"NCE CHARGE. 19.48 vailable Credit as of Statement Date $23.83 a NEW BALANCE $978.17 Avallable Croft for cash Advances as of Statement Date $23.00 BALANCE CATEGORY Average Annual Daily Finance Grace Daily Percentage Periodic Charges Terms Balance Rate Rate Standard Purchase $988.12 23.99%* .065796` $99.48 Term B Standartf Cash 5.00 23.9996" .0557;6' S.00 Term a ANNUAL PERCENTAGE RATE this billing cycle: 23.99% For 24-hour Automated Account Information, call 14MO-355.00111 or visit us at www.providianoMine.com. • These Rates May Vary BALANCE A3 PAYMENT McAMUM Of eSraM DUE DATE PAYMENT AMOUNT ENCLOSED ACCOUNT NUMBER 5542$520-0087-4014 5986 69 J(iN. 21,2004 (30.00 $1 t 0 k+dtcate ehangs of address on back MASTERCARD Make Checks pay" to Proridian Procsssinq Services 11/1111111111/lrlln/II1,111/111/ 1,4 111111111*I.II11,11,1111 PROVIDIAN PROCESSING SVCS. Please be sure PO Box 660518 -4this address appears DAt.I,AS, TX 752664W is the window. DEBORAH L GRAHAM Page 1 of 1 902 ALLZWVIZW DR 0007913 M$CH"TCSBVRG PA 17055-8604 111111111111111111111111111111111 a 11111/ 1 11 11111111111111 JI 5542852000874014000300000986698 Yottr accauurrt is is ;td-by Wr--3; 1 National Bsiik, 'TFlton, 41 ----- ----- DET-c?iHe-W 1- MESSAGES FROM MASTERCARD MASTERCARD TRANSACTIONS T n Post Re Inc, Nutnber A,t?, & 1 tWil PAYMENT RECEIVED - THANK YOU 754083 142552058427502 0000 101;00 PY FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER 5542-8520-0087-4014 Previous Balance $1,070.45 Days in Billing Cycle 29 - Credits .00 Statarnent Data OS2501 - Payments 104.00 Minimum Payment 530.00 PurcMasae Payment Due Dante 06121/04 +& ODW Charges .00 +Cash Advances .00 Credit Line $1,000.00 + FINANCE CHARGtE: 20.24 Available Credit as of Statement elate $13.31 a NEW BALANCE $998.89 Available Credit for Cash Advances as of Statement Data 513.00 BALANCE CATEGORY Average Annual Daily Finance Grace Daily Percentage Periodic Charges Terms Balance Rate Rate Standard Purchase $1,062.40 23.99%` D657%" $20.24 Term 8 Standard. Cash 5.00 23.99%' .0557%' S.00 Term S ANNUAL PERCENTAGE RATE this billing cycle: 23.99% For 24-hour Automated Accourit Information, call 1.800-356-0011 or visit us at www.providiarimline,com • These Rates May Vary BALANCE AS PAYMENT ACCOUNT MUM8ER OF 01iZi/e/ -DNE BATE 5542-020-0087-4014 s1,o7o 45 'MIAY. 23, 2004 0 Indicate change of address on back MASTERCARD M041" PAYMENT AMOUW ENCLOSED J 333.00 $C _ _..?. I Make Checks Payable to PrrA%n Processing Services IIIIItIIIIaIIIIIII#I.IIIIIIIIIIIIIIIIIIIII I IIIIII#II101#III. PROVIDIAN PROCESSING SVCS. Please he sure PO am 660b67 this address appears DALLAS, TX 7526S•056T in the Window. DEBO$AN L GRARRAX Page 1 of 1 902 ALIAMn DR 0009052 NECAA>ifICSBURG PA f 17055-8604 111111111111111 /11111.11.111 I111Il11111/111IIi1111i LII I!I tI11.11 5542852000874014000330001070457 Your icc tbs. [s-sued by Prr v[VI n Na UUI E nk, Tilton, RIT--------------- M-AC++I+EF-M1 MESSAGES FROM MASTERCARD FEDERAL TRUTH IN LENDING DISCLOSURES UPON RENEWAL OF ANNUAL FEE. SEE REVERSE FOR WORTANT INFORMATION. YOUR ACCOUNT IS OVER ITS CREDIT LIMIT. Please pay the minimWn paym t e9led above along wth the overlimit amount. as soon as possible. MASTERCARD TRANISACTtONS Trap Post pft j rioBon Deft f,!? N>imher Amount . *FW 16 PAYMENT RECEIVED - THANK YOU 7540933410n M52000587 0000 30.00 PY 04.26 0426 ANNUAL FEE 0000 WIN) 04-26 0426 OVERLIMIT FEE 0000 35.00 FOR SLUNG ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER 5542-8520-0087-4014 Previews Balance 5965.69 Days In Billing Cycle 32 - Credits .00 Statement Date 04126104 - Payments 30.00 Minimum Payment $33.00 P urchases Payment Dale Gate 05123(04 ,1 + & Other Charges 94.00 F Cash Advances .00 Credit Line $1,000.00 + FW4NCE CHARGE. 20.76 Available Credit as of Statement Date $.00 NEW BALANCE $1,070.45 Available Credit for Cash Advances as of Statement Date $.00 BALANCE CATEGORY Average Annual Daffy Finance Grace Daily Percentage Periodic Charges Terns Balance Rabe. Rate Standard Purchase $987.29 23.9996' .4657%' $20.76 Term B Standard Cash 5100 23.99%• .0657%" $.00 Term 8 Balance Tran/Promo Offer S.00 0.00% .0000% $.00 Term B ANNUAL PERCENTAGE RATE this billing cycle. 23.999E ' For 24-hour Automated Account Information, call 11-800-3564011 or visit us at www.providtanontine.com. * These Rates May Vary BALANCE AS PAYMENT MINIMUM OF 03 DUE LATE PAYMENT AMOUNT ENCLOSED ACCOUNT N (M 5542- ! r--^---9 5d2S52(hOGW8T-4014 S9ES.18 APR. 21.20aa L ?.? 1 0 Indicate change of address on back MASTERCARD Make Checks Payable to Providinn Processing Services Irul, ,lu0111MI IL II InuIIIII ,L1,rlrrhrll?rLrlrl, PROVIDIAN PROCESSING SVCS. Please be sure PO BOX 660545 { this address appears DALLAS, TX 75266-058 in the window. DEBORAH L GRAHAM Page 1 of 1 941 ALL=VXZW DR OOOV97 MECHADTICSWIRG PA 17055-8604 still] r„111,.,,,IaL.II,rIL rule Ill 1?...,1?Lrlrl 5542852000874014000300000985690 Your aaWj t 115 issued y- Prow t an National-B tri , iiton, NH---------- -- -- v;Z; eREi- MES SAGES FROM MASTERCARD MASTERCARD TRANSACTIONS ra ffff Date n Post r on Refert ceceNumber Amount 03-22 PAYMENT RECEIVED - THANK YOU 754093 1131182 0000 95.00 PY FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER 5542-W2"087-4014 Previous Balance $1,060.07 Days in silting Cycle 30 Credits .00 Statement Date 03I25J04 Payments 95.00 Minimum Payment $30.00 Purchaess Payment Due Date "21104 + A Other Charges .00 + Cash Advances .00 Credit Line $1,000.00 + FIMANCE CHARGE. 20.62 Available Credit as of Statement Date $14.31 = NEW BALANCE $985.69 Available Credit for Cash Advances as of Statement Date $14.00 BALANCE CATEGORY Average Annual Daily Finance Grace Daily Percentage Periodic Charges Terms Balance Rain Rate StandaM Purchase $1,057.44 23.74%' :065094' $2D.62 Term B Standard Cash 3.00 23.74%' .0650%' S.00 Term B Balance TranlPromo Offer $.00 D.00% .0000% 540 Term B ANNUAL PERCENTAGE RATE this billing cycle: 23,.74% For 24-hour Automated Account information, call 14*0456-0011 or visit us at www.providlanpni3ne.com. 'These Rates May Vary BA.AMCE AS PAYMENT Ma{NtuM OF 0204W DOE DATE PAYMENT AMOUNT EMCLOSED ACCOIAtr NUMBER 5542$520-00874014 St.oso 0z TSAR. sz boa s3zoo $ F J o Indicate change of address on back MASTERCARD Make Checks Pay" to Provk9an Processing Services IrtIIIIIII.rl.IIIIIIII.IIIIIIIIII#I#IIUll„IIIIIIIh:hIIIII PROVIDIAN PROCESSING SVC& Please he sure PO box 660548 ? this address appears DALLAS, TX 75266.0548 in the window. DEBORAH L GRAN M Page 1 of 1 902 ALLISIMIEW DR oooe3sa MECHANICSBURG PA 17055-8604 ,??III??,IIIrrrriii,.I.I?I??Lrllr?lhr,ii?rlll??r,?1,6rlrl 5542852000874014000320001060079 Your ac outfit is issued by Prr NWcTan QFon@ Rank, Talton, iW----- ------ nErnc-H itM -I SAGES FROM MASTERCARD YOUR ACCOUNT IS OVER ITS CREDIT LIAR. Pleats pay to m Nmum Payment listed above along WM Me overfiro amount as soon as possUe. Trap POO pm. Dasc Won ReferencN r AmD n 62,0 IT-W PHONE PAYMENT RECE ED gla 7 200004 0000 X 80.00 PY 02-n 02.20 PAYMENT4Y-PHONE-FEE 754093340SIO000000 O 0000 14:85 02,24 02,24 OVERLIMI FEE 0000 35.00 FOR BILLING ERRORS AND IMPORTANT INFORMATION. SEE REVERSE SIDE. ACCOUNT SUMMARY COUNT NUMBER 5542-8520-0087-4014 Pfwious Balance $1,069.98 Days In Billing Cycle 29 - Credits .00 StalsOrrA Rt Date 02124104 - Payments 30.00 Minimum Payment $32.00 Purchase Payment Due Date 03122!04 3, Other charges 49.95 +Cash Advances .00 Credit Line $1,000.00 t FWANCE CHARGE: 20.14 Available Credit as of Statemont Date S.00 a NEW BALANCE $1,060.07 Available Credit for Cash Advances as of Statement Date too BALANCE CATEGORY Average Annual Daily Finance Grace Daily Percentage Periodic Charges Terms Balance Rate Rate Standard Purchase $1,068.54 23.7496' •0650%' $20.14 Term B Standard Cash $.00 23.74%* .0650%` $.00 Term B Balance TranlPromo Offer $.00 0.009E .00004E $.Do Term B ANNUAL PERCENTAGE RATE this billing cycles 23.749E For 24-horn Automated Account Information, call 1-300.356-0011 or visit us at www.providiononline.com. I These Rates May Vary BALANCE AS PAYMENT MINIMUM OF eir"M DUE DATE PAYMENT AMOUNT ENCLOSED ACCOUNT NUMBER SW-8520-00874014 51,069.98 FEB. 22, 2004 ;3300 $1 O Indicate change of address on back MASTERCARD Make Checks Payable PrevkianProcasshg Services 11Y1111.11n1Ir,1116}r111r11?h1:1It1/111i1Ln111111111/1F11r11 PROVIDIAN PROCESSING SVCS. Please be sure PO Boot 660518 -4this address appears DALLAS, TX 75289.0548 in the window. DEWRAH L GRARA>it Page t of 1 902 ALLS>1rnXI1 DR 0010236 NECHAMCSSURG PA 17055-8604 111111111111 11111,1111.1111,111111111111111,111'.11111,1111.1 a.1 5542852000874014000330001069088 Your acootunt is o;ACxi i- MESSAGES FROM MASTERCARD Please we the impoRnlrt notice (enclosed) regarding changes to you Account Agreement. The table bebw Ksta the standard Annual Pare antept Rate (APR) inlormadon out will apply to your Account as of the date printed in the enclosed notice. The minimum APR we will asam for each of the balance categories remains unchanged. Rate Table Standard Purchase Anmount over Priem Rate: 19.99%(23.99% APR as of December 2003, 0.0657% DPR) Standard Cash Amount over Prime Raw. 19.99%(23.99% APR at of December 2003,0.0657% DPR) Any InUTlductoly or Promotional APRs will not be affected until their expiration dab. YOUR ACCOUNT IS OVER RS CREDIT LWIT. Please pay the minimum paymem fisted above along vlith the ovefwaa amount as soon as possible. M/kSITERGARD TRANSACTIONS Tm Rof9rertao Number Am fm 1 U fER SE2 HARRISBURG EPA 714636233583 i7S3362 5411 50.00 0441 01.21 LATE PAYMENT CMARGE 0000 36.00 01.23 01-23 PAYMENT RECEIVED - THANK YOU 1540933402397CM7012810000 30.00 PY 0126 0126 OVERUMIT FEE 0000 35.00 FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER 5542-8520-0087-4014 Previous Balance $958.04 Days in Billing Cycle 33 - Credit! .00 Statement Date 01/26M - Payments 30.00 Minimum Payment S33.Do Purchases Payment Due Date 02/22f04 + 3 Other Charges 120,00 Cash Advances .00 Credit Line $1,000.00 f1NANCE CHARGE: 21.94 Available Credit as of Statement Date $.00 ra NEW BALANCE $1,011111-98 Avallable Credit for Cash Advances as of Statement Date $.Do WU.ANCE CATEGORY Average Annual Daily Finance Grace Daly Percentage Periodic Charges Terms Balance Rate Rats Stwulard Purchase 51,022.67 23.7496' .0650%* $21.94 Term B Standard Cash S.00 23.74X• 0650%' 5.00 Term B Balance TrardProcmo Offer $.00 0.00% .00009E $.00 Tenn B ANNUAL PERCENTAGE RATE this billing cycler 23.74% For 244hour Automated Account lWormation, call 1-800-358-0011 or visit us at www.providianontine.corn. • These Rates May Vary BALANCE AS PAVIMENT MNNU31 OF lZrA BS DUE DATE PATIOW AMOUNT P.NCLLOND ACCOUNT, IaXMBER 5542.8529.0487-4014 $558.44 JAN. 20, 2004 i29 00 $r 0 Indicate change of address on back MASTERCARD Make Checks Payable to Providian Proms" Services 1.1.I.1,1..,t,l.Il.nIIH11I..,1,1.,111I1u1,I!„li,.l„IIII PROVIDIAN PROCESSWG SVCS. Please be sure PO BOX 6sow -4this address appears DALLAS, TX 7=66-0598 in the window. D$BORAH L GRAHAX Page 1 of 1 902 ALtXffngW DR 00164U 118CXW1C93D'Rt3 PA 17055-8604 111111?.1l1111111111.I,L11919111..,-lF..1,11111L.11?11111l,:f. 5542852000874014000291000958047 'Your acca a 6 ixsued by Pr?v than Nai'fiianai.Bank, Tilt©n; AiN. ------- -D-TA-"-+EnE 1 MESSAGES FROM MASTERCARD MASTERCARD TRANSACTIONS ran Post Reference Number Am 22 A RECEmw - THANK YOU 75409333356 33 0000 106.90 Py FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER 5542-852MOOT-4014 Previous Balance $1,038.45 Days in Billing Cycle 29 - Credits .00 Statement Date 12f24103 - Payments 100.00 Minimum Payment $29.00 Purchases Payment Due Date 01=04 + 16 Other Charges .00 + Cash Advances .00 Credit Line $1,000.00 + FINANCE CHARGE. 14.56 Available Credit as of Statement Date $41.95 n NEW BALANCE $958.04 Avallable Credit for Cash Advances as of Statement Date $41.00 BALANCE CATEGORY Average Annual Daily Finance Grace Daily Percentage Periodic Charges Terms Balance Rate Rate Standard Purchase $1,037.63 23.74%' .0650%' $19.56 Term B 99andard Cash $.00 23.7476' O$M* $.00 Term B Baiamm TranlPromc Offer $.00 0.00% .0000% $.00 Term B ANNUAL PERCENTAGE RATE this billing cycles 23.74% For 24-hour Automated Account Information, call 1-600-356-0011 or visit us at wwvw.providisnontine.com. • These Rates May Vary BALANCE AS PAYMENT Al"MUM ACCOUNT. NUMBER OF 1112;/3 DUE DATE PAYMENT AMOUNT ENCLOSED 5542-8520.0087.4014 5103&46 DEC.22, 33200 0 Indicate change of address on back MASTERCARD Make Checks Payable to ProvWan Processing 8ewicee Ital.1111?II11.III III,,III I.IIIIIII I I15111111111aIIul.II PROMO M PROCESSING SVC$. Tease be sure PO 801E 660548 Adult address appears DALLAS, TX TS206.0548 in the window. DXROSLAX L GRAB M Page '1 of t 902 ALS.SGMZW DR 002nu M>3CH 3:CSBtMG PA 17055-8604 ...111...1111118111..1.1.111118111111111.14.111.. a 11111 fill 55428520008740140003200010884$9 Your jjj7oj ntjs issues by Frov dlan I atFonA Bank, TTItan, NN._ s>IETACNN6xE 1 MESSAGES FROM MASTERCARD You could avoid the cost of Is* lees by making your psyment by phone with PaySman for Just 514.95. Singly cal 1-WD.3WJ464. YOUR ACCOUNT IS COVER ITS CREDIT L UT. Plisse pay ft minimum paym W listed above along with d,e ova hn* amamt as soon a posait#e- MASTERCARD TRANSACnoNS 010 oat rl ation Reference Numm Amount t1 SRi TI-FT PAYMERTBY4WME-FEE 75409S3a926tID0000040002 0000 14:95 11,20 11-21 PW)RE PAYMENT RECEIVED 75409333326632222200005 0000 125.00PY FOR BELLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER $642-052"087-4014 PVWAOUs Balance $1,125,32 Days In Sit" Cycle 3 - Credits .00 Statement Date 11125803 - Payments 125.00 Minimum Payrraent $32.00 Purchases' Payment Due Date 1212?103 a 3.Ot ter Charges 14.95 + Cash Advanc" .00 Credit line $1,000.00 t FVVUVW CHARGE. 23.21 Available Credit as of Statement Date $.00 a NEW BALANCE $1,038.48 Available Credit for Cash Advances as of Statement Date $.00 BALANCE CATEGORY Average Annual Daily Finance Grace Daily Percentage Periodic Charges Terms Balance Rafe Rate Standard Purchase $1,116.06 23.74%' .0630%" $23.21 Term S Standard Cash S.00 23.74%• .0650%` S.00 Term B Balance TranlPramo Offer $.00 0.00% .0000% $-00 Term 8 ANNUAL PERCENTAGE RATE this billing cycle: 23.749E For 244=r ALAomaWd Account Information, call 1-800.358-0011 or visit us at www.provtdianontine.com. These Rates May Vary BALANCE AS PAYMENT MINIMUM __ NUMM OF 1012"3 DUE DATE PAYMENT AMOUNT ENCLOKO 5342-8520-00$7=4014 51.125.32 NOY. 2D. 2003 t 34.OR $1 Q "age charVe of address on back MA$TERCARD Make Checks Pay" to Providian Processkyi Services IIIIIII.11IIIIII111aI11091111111.1/IIIIIII111111IIIIIIIIIIII PROVEN PROCESSING SVCS. Please be sure PO sox $6050 ? this address appears DALLAS, TX ?5266-0546 in the "indow. DEBORAH L GRAHAM Page 1 of 1 902 ALLENVIEW DR 001'7627 MECHANICSBURG PA t 17455-08604 r //1111.1111111111111111.1.112111111111111 to 11.11111111111.1111 5542852000874014000340001125326 1?au'r count isissuedby t5rciir an Na-t?lotial Bank,'E ltcn, ldiM .-' ------ M--MNACK-M i MEssAGE& FROM MASTERCARD YOUR ACCOUNT 15 OVER RS CREDIT LIMIT $90.32. Please pay the nNrNm1m payment 2sied above a" with the overGma anwjo as soon as possible. MASTERCARD TRANSACTIONS Trait st Oak Ddt ri Reference m A-mount 19ff 1 #A-VWRY RECEIVED -THANK YOU 7$40933 56$70795750111 0000 +50.00 PY ' 10.24 10.24 OVERLN1fr FEE 0000 35.00 FOR BILLING ERROR$ AND IMPORTANT INFORMATION, SEE REVERSE SIDE, ACCOUNT SUMMARY ACCOUNT NUMBER 5542-1111520.00674014 Previous Balance $1,119.10 Days In Billing Cycle 29 - Credits .00 statement Date 10124/03 - Payments 50.00 Minimum Payment $34.00 Purchases Payment Due Date 11120103 i Other Charges 35.00 Cush Advances .00 Credit Line $1,000.00 + FWANCE CHARGE: 21.22 Available Credit as of Statement Date $.00 = NEW BALANCE $1,125.32 Available Credit for Cash Advances as of Statement Date $.00 BALANCE CATEGORY Average Annual Daily Finance Grace Daily Percentage Periodic Charges Terms Balance Rate Rate Standard Purchase $1,125.88 23.74%" .0650%' $21.22 Terris Standard Cash $.00 23,74%" .0850%• $.00 Term S Balance TranlPromo Offer S.00 0100% 0000% 5.00 Term B ANNUAL PERCENTAGE RATE this billing cycle. 23.74% For 24-hour Automated Account Information, call 1-800456-0011 or visit us at www.providianonline.com. These Rates May Vary BALANCE A9 PAYMENT Mamum or tM AM3 OM GATE PAYMENT ^MOUNT $NCL03E D ACCOUNT NUMBER 5542-8520-0087-401+F s1,1?9.1a oCT.22.z?w3 fa6.fui ED-1! $1 0 "cab change of address on back MASTERCARD -J Make Cheeks Payable to Providian Processainp Services IIIInIIII„IIIIILIIIIIIIIIII, ,IIIIIIIIIII1„III PROVIDIAN PROCESSING SVCS. Please be sure PO Pox 9539 -4 this address appears 11ANCHESTER, NH 03108.9539 in the window. DEBORAH L GRAHAM Page i of 1 902 ALLEMnS P DR 000"n MBCHMICSBURG PA 19055-8 6 04 of gill 111111Ul1to l111111,,,111„1.1 554285200087'4014000460001119101 You/ ai sufit is issirec by Prcvidia» National 1WW Than, NNE---•-------------°--._. DETACH HEM i MESSAGES FROM MASTERCARD YOUR PAYMENT IS PAST DUE] Send year payment of $46.001mmad<a" b avokt add ilonai late fees and Ur0w wbc9on eons. If payment has been made. call us at 14W4044M. MASTERCARD TRANSACMONS ran Past 9U ri n Refo92gnce Number PA in-ou 5 SaMll GAS TATION HARRISBURG PA 23 (6738D833ae32433332 SSiC2 f3ho 0"2 114-22 PAYMENT RECEIVED - THANK YOU 7540933326597089043D457 0000 20.00 PY 09.25 09.25 OVERLIMIT FEE 0000 36.00 FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER 5542-85204)087-414 Previous Balance $1,068.81 Days In 8111irts Cycle 30 - Credits .00 Statement Date 091260 . Payments 20.00 Minimum Payment $46.00 Purchases Payment Due Date 10122103 8 Other Charges 58.00 + Cash Advances AO Credit Line $1,000.00 + RNANCE CHARGE. 21.29 Available Credit as of Statement bate $.00 x NEW BALANCE $1,119.10 Avatlable Credit for Gash Advances as of Statement Date $.00 BALANCE CATEGORY Average Annual Daily Finance Grace Daily Percentage Periodic Charges Terms Balance Rate Rate Standard Purchase $1,091.97 23.7416' .0650%* $2129 Term S. Standard Cash $.00 217494' M D%* S.00 Term a Balance TranlPromo Offer 5100 0.00% :000096 $.00 Term a ANNUAL PERCENTAGE RATE this billing cycle: 23.741E For 24-hour Automated Account Information, call 14800-355-0011 or visit us at www.providianonline.com. • These Rates May Vary MLAWE AS PAYMENT MaPBM ACCOUNT NUMBER OF 06124103 r DATE PAYMENT AMOUNT SMOSED 5542-85204M74014 t1 ds9 81 SEP. 22, 2003 532.00 $F 0 indicate change of address on back MASTERCARD Make Chocks Payst>te to Providlan Pmeesskg Services PROVIDWi PROCESS84G SVCS. Please be sure PO BOX 660548 Ibis address appears DALLAS. TIC 75266-0548 In the window. DEBORAH L GRAHAM Page 1 of 1 902 ALLEBii BW DR 03WIr M$CHAATICSBURG PA 17 0 S S- 8 604 111111111] l 1., ,.111,)111114111111 „I l,, ,,14 4111111#11 11,11,1 5542852000874014000320001059816 Your account is issued by Povidan National gank,171tcn, PlH....................... r----rncHi,Eie .. MESSAGES FROM MASTERCARD YOUR BALANCE IS OVERLIMM Your sccow,t belorae is currently over yew approved aedic unit; To avoid additional overlimR fees, please Irck de: the ovwftlt haw t a" with your mk mom amount due of $32.00. MASTERCARD TRANSACTIONS Than on Ra4erertce Number W AmQwA A DfT RECEIVED - THANK YOU 5M716=V8se60%4G 375 0000 7 ER PY 08404 08406 GAMS GAS STATION HARRISBURG PA 23483623217330934533193 NQ 10.95 Will 08.13 TURKEY41ILL SU40 NECKVSC38URGPA 28A4A0032206A71%1341682 5502 172.75 0911 W13 RITE AID STORE 4000 MECHAMCSBUROPA 704898732246$t11200@rlao 8912 13.10 08.22 08-U TtfRKS1f41ILL, X02+10 MECHANICSBWWA 234440033356=338W6 5542 12.80 0820 08-25 SAMS GAS STATION HARRISBURG PA 23463823233330284572917 5542 14$0 08.26 09-26 OVERLIMIT FEE 0000 35.00 FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER Prevlo s Balance $989.93 Days In Billing Cycle • Credits .00 Statement Date - Payments 50.00 Minimum Payment Purchases Payment Due Daft 5542 Wn-0037-40141 + & Other Charges 99.10 + Cash Advance .00 Credit Line $1,000.00 * FINANCE CHARGE: 20.88 Available Credit as of Statement Dam $.40 =NM MIL, BALANCE $1,059.81 Available Credit for Cash Advances as of Statement Date $.Do BALANCE CATEGORY Average Annual Daily Finance Grace Daily Percentage Periodic Charges Terms Balance Rate Rate Standard Purchase $993.04 23.9474' .065736• $20.88 Term 8 Standard Cash S.00 23.99%" .0657X' $.00 Term B Balance TranlPromo Offer S.00 0.00% .0000% $.00 Tenn a ANNUAL PERCENTAGE RATE this billing cycle: 23.99% I For 244-hour Automated Account information, call 1-800-356-0011 or visit us at www.providianonHno.com. ' • These Rates May Vary BALANCE AS PAYMENT OF 025103 DUE DATE MINIMUM PAYMENT AMOUNT ENMOSEO I ACCOUNT NUMBER ?. 1 5542-8520-00.87-4014 11988.83 41,2003 530.00 ? buftade dmw4p of addm" on peek P Checks Payable to PROVIDIAN MASTERCARD IIL,/?,II,?„IIli1???„I1L1111IIII/J1 rltr11111I11,1II?,.1 PROVIDIAN MASTERCARD Please he sure PO BOX 9530 this address appears MANCHESTER NH 03108-9539 In the wwl w. DEBORAH L GRAHAM Page 1 o#1 402 ALLENVIEW DR 000000 MECHANICSBURG PA 17055-8604 IIIIIIIaIIIII//IIIIIII10111111111111 1111111{ 111411111,1 I I I I 55428520008740140003000009898300000 Your account i; Iasusd--tiy Provid tl ri iatiallaf Bann; '[`Fitpn,1111---------------------- W-AC-H -HE-M- Or - OOZES FROM ROM 103TRIMMU) NEED A REMINDER? Set up 04W alert and well notify you before your pwment is due, when yyaw payment post and more, www.ProvicOar#Online.com RRf31YiDIAN AWMCARD TRANSACTIONS pfm ON" 2es000 Trans Owe Reference Number Amount 0?-21PAYnENT RECEIVED THANK YOU 07,21 7541.7293202850617651923 0000 35.00 PY FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUVRER 5542-8620-007-4#4 Previous Balance $1,004.94 Days in Silting Cycle 30 - Crodits .00 Statement Date 07125/03 - Paglrasnts 3$,00 Minimum Payment $39.00 + Purchases 6 Other Charges .00 Payment Due Date 08121103 + Cast Advances .00 Credit Line $1 000 00 FINANCE CHARGE. On S g e9 19 '89 Available Credit as of Statement Date , . $10.17 Left e Charge rge 100 Available Credit for Cash Advances as of Statement Date $1017 = NEW BALANCE $989.83 Average ANNUAL Daily Ora4m Type of Balance Daily PERCENTAGE Periodic Terms Balance RATE Rate Purchase 51;008.66 23.99%` .065726%' Term 8 Cash Advance $.00 23.99%' 065726W Term B For 24-hour Automated Account Information, call 1-WO.3SBr0011 or visit us at www.providmoontine.com. w vvawuvw avov Iow *The" rates may vary. CAL4WA AS PAYMENT OF 0405W DUE DATE MINIMUM PAYMENT' ACCOUNT NUMBER 5542-8520-0087-4014 31,00484 UL Y2, 2043 534.00 I-09NO drones of sddftss en bock PROVIDIAN MASTERCARD IIlr?rirll,?„11IIu?1uIr1?I???1.I?a1lehlnn'11i1it?itln?l PROVIDIAN MASTERCARD Please be sum PO BOX 9539 ? this address appears MANCHESTER NH 031084539 to the window. DEBORAH L GRAHAM' Page 1 of 1 902 ALLENVIEW DR 000000 MECHANICSBURG PA 17055-8604 1101111,nII111 trl„IrIrl??l?rlir.ILr,?1??111n4u1rtrtlr11 554285200087401400`03000010049400000 AMOUNT ENCLOSED 1$ Maly Chocks payable to Providisn Yiwr at?ount is issued by Providian I;lational Bank, Tilton, NN. DETACH HERE aO YOUR BALANCE IS OVERLIMITI Your account balance is currently over your approved credit limit. To avoid additional ovedirn0 fees, please Incl4a the overlimit amount along with your minimum amount due of $30.00. Periodically Prcvidian reviews all our customers' &=unts. M an edort to standardize terms please see the kVwtant R writallon Entlosed regardnp crepes to your mount PROVIDIA N MASTERCARD TRANSACTIONS PaNA Dab DOWAinuon Trans Date Reference Number Amount 06-13PAVh€NT A1C€'1VED -- THANK YOU 06-13 75417903164830612533978 0000 40.00 PY Ob-255AMS CAS STATION WARRISBUR6 PA 06.23 23483823175330653480017 $542 18.75 FOR BILLING ERROR$ AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER 5 2-5520-0087.4014 Previous Balance $1,007.12 Days in Soling Cycle 29 - Credits .00 Statement Date 06/28/13 - Paymw?ts 40.00 Minimum Payment $30.00 + Purchases & Other Charges 18.75 Payment Due Date 07122t03 + Cash Advances + h E CHARGE .00 Cr edit Line $1,000.00 Bal . On O s 19 07 Available Credit as of Statement Date 5100 Charge Late Charge .00 . Available Cmdit for Cash Advances as of Statement Date 3.00 = tWN BALANCE $1,004.94 Average AANVUAL Daily Grace Type ofBahuu* Daily PERCEhflAGE Periodic Tereus Balance RATE Rate Purchase $1.000.30 23.99%" .065726%' Term a Cash Advance SAO 23.99%' .06=5726%' Term a For 24-hour Automated Account Information, call 1-800-356.0011 or Visit Us at www.providiononline.com. K 000300000 36861540 "These rates may very. BALANCE AS PAYMENT OF OSi2 M DUE DATE MIMMUM PAYMENT AMOUNT ENCLOSED 5542-8?5 0087-4014 $1,007.12 23,2003 $W-00 It Q tdesu Change of address on bout ProvidianMake, Checks Payable to PROVIDtAN MASTERCARD IU,,urlh???:ILII„,Ir41,l,1rril?Ir;?I1?I,Ir,?,ILLI,rI IrrJ PROVIDIAN MASTERCARD Please be sure PO BOX 9539 4 this address appears MANCHESTER NH 03108-$539 in the window. Page 1 of i DEBORAH L GRAHAM Dootioo 902 ALL£NVIEW DR MECHANICSBURG PA 17055-8604 Irr.III.r,III,,,r1,IIIIII,I,IIrrllrrllrrrrIItIIIr,U,IIIIIIIII 55428520008740140003000010071200000 Yair iiiWi t# is IW9 ed 6Ry fti dW National Bank; Tit6W, RA - - - - - - - - -- - - - - - - - - -DETACH }*RE a - YOUR BALANCE IS OVERLIMITI Your account balance is currently over your approved credit limit. To avoid additional ovedimit fees, plesse include the overkmit amount along with your minimum amount due of $30.00. NEED A REMINDER? Set up a-nW alens and vW11 rKA4 you before your payment is due, when your payment pasts and more. www.ProvidianOnline.mm PAY ALL YOUR SXLS WITH JUST A' FEW CLKWS VATH HILL PAY ONLINE Manama all yaw bilk erryeu tors, anytlms - directly from your ownpinerl its cormardent, any and Nee for the first mOrtt Enroll now at www.biRaayg"mwt oom StERCARD 1AANSACTt6M Post pop motion Trans Date Reference Number Arnoufti 85-21PAYMENT RECEIVED -- TtlANX YOU 05-21 75417283141850661510122 0000 80.00 PY FOR SILUNG ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER 5542-UM-0087.4014 Previous Balance 41,064.86 Days in Billing Cycle 32 - Credits .00 Statement Date 05/27103 - Payments 80.00 Minimum Payment $30,00 + Purcltasea 8 Other Charges .00 Payment Due Date 06/23103 • Casb Advances + FINANCE CHARGE: .00 Credit Line $1,000.00 On Balances 220 Available Credit as of Statement Date $.00 Lam ChsrgehaMa + .00 Available Credit for Cash Advances as of Statement Date 3:00 = NEW BALANCE $1,007.12 Average ANNUAL Daily Grace Type of Balance Daily PERCENTAGE Periodic Terms Balance RATE Rate Purchase $1,058.17 23.99%* .065728%' Term B Cash Advance 5100 23.99%* .0657M* Term B For 24 hour Automated Actxtunt Infofmadon, call 1$00-356-0011 or visit us at www.providianonfine.com. v vwa+sww Jam low "These rates may vary. BALANCE AS PAYMENT OF 04rdmw DUE DATE M"MUM PAYMENT ACCOUNT NUMBER 5542-8520-0087-4014 $1,06t8e Y22,2003 531.00 [] 4idcac crarVe a addrsss on back PROVIDIAN MASTERCARD 111,-,1411,41111111, 111 1111110 1 111611 11111 14-„III1I 1„I II I I I PROVIDIAN MASTERCARD Please be sure PO BOX 9539 •4 this address appears MANCHESTER NN 03108-9539 in the window. Page 1 of 1 DEBORAH L GRAHAM 000000 902 ALLENVIE41 DR MECHANICSBURG PA 17055-8604 1???11IIIIIIIIIIt I11.1L1dif 11, 111111111.11111111,1.1.!1,?1111 55428520008?40140003100010648600000 AMOUNT ENCLOSED is Make Chocks Payable to Provkitan Yoilr aixclunt is issued-isy P?17irldian National Bank; Tilton, NN. - - - - - - - - - - - -cer,'ai HER- 0 YOUR BALANCE IS OVERLIMITI. Your account balance is currently over your approved credit limit. To avoid additional overlrmit fees, plesse ink the overlimit amount along with your minimum amount due of $31.00. FEDERAL TRUTH IN LENDING DISCLOSURES UPON RENEWAL OF ANNUAL FEE - SEE REVERSE FOR IMPORTANT INFORMATION FREE SAME-DAY BILL PAYMENTI Pay online by 4PM FT. Monday - Friday, and well pm your payment the same day. www.Providlianbnlim.com PAY BY PHONE You could avoid the cost of Ices fees by making your payment by phone with. PaySmart for just $14.95. Sit" CO 1-800-58-1464. PRO IAN CARD I ANSAC MS Post!]site, Dowd on Trans Date Reference Number tt Amoy 03-27ANNUAL PEE b3-27 0000 59.00 04-10NS$*L4xS1I*THANKU ITEM 800-586-19637 CT 04-10 75432843100000180817959 5969 39.70 04-21PAYMENT RECEIVED -'- THANK YOU 04-21 75417283111850877901319 0008 109.00 PY 04.25OVERLINIT FEE 04-25 0000 35.00 FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER 5542-9520.0087-4014 Previous Balance $1,018.65 Days in Billing Cycle so - Credits .00 Statement Data 04125103 - Ptlyn nts 109.00 Minlmum Payment $31.00 + Purchases 8 Other Charges 133.70 Payment Due Date 05f2M + Cash Advances .00 Credit Line $1,000 00 • FIIVANCE CHARGE: Available Credit as of Statement Date . $ 00 On Balances + Late Cho" 21.51 .00 . Available Credit for Cash Advances as of Statement Date $.00 - NEW BALANCE $1,064.86 Average ANNUAL Daily Grace Type of Balance Daily PERCENTAGE Periodic Terms Balance RATE Rate Purchase $1,090:99 2199%' OW726V Term B Cash Advance 5.00 23.99%* .0657266 Term 6 For 24-hour Automated Account Informiation, call 1400-355-0011 or visit us at www.provid7tanonline.com. A 000340000 38661 S40 -Th- -4- wow __ ...f.. BALANCE AS PAYMENT OP 030 W DUE DATE M114MUM PAYMENT ACCOUNT MUSOM 5542-8520-0087-4014 S1,a18.s5 12 2003 S3t00 p kmft&% change of addraes on Wit PROVIDIAN MASTERCARD 11114 It till it. of PROVMDIAN MASTERCARD Please be sure PO SOX 9539 -4 title Wilma oppitars MANCHESTER NH 03108-9539 in the window. Page 1 of t DEBORAH L GRAHAM 000000 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 IIIIIIIIIIIII11111/IIIIIIIII.II11111110191111111,1111111111111 55428520008740140003100010186500000 AMOUNT ENCLOSED is Now checks Payet?ie to Prodian Maur aizauitt Is issued try Pr01Ilditiri Icail nai Bank; Tilton-, NF----------------------- M-A-0-4 rtE -OR- - YOUR BALANCE 13 OVERLiMTTI Your account balance is currently over your approved credit first. To avoid additional overl'anit fees, please include the overlimit amount along with your minimum amount due of $31,00, Your 2009 Privacy Policy is onclpeed. The Policy contains am* changes. Please review :It carefully. E i, ,-It W an Irnporlant w0ce ragal+r "yrxa Cardhoider Beneft efhrxive April 16 2000. Purchase Woutance, Led Luog pe irleurance, and the Twel Sated Program will no WW be available after *0 date. PROYMDdAN MASTERCARD TRANSACTIONS DeacrioLioft Trans Reference Nurnber Am utrt 03.17PAYMENT RECEIVED -- THANK YOU 03-17 75417203076850671052379 0000 40.80 PY 03-21PETSMART #0583 MECHANICSBURG PA OS-19 80483073079079370763612 5995 18.00 03-21PITSMART # 0583 MECHANICSBURG PA 03-19 80483073079079370763521 5995 26.49 03-24HESS 38245 CAMP HILL PA 03-22 23483073082082317108992 5542 19.80 FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SMIMMARY ACCOMlNT NUMBER 5v42-9$2014' t157.4014 Previous Balance $97516 Days in Billing Cycle 29 - Credits .00 Statement Data 03/""3 - Payments 40.00 Minimum Payment $31.00 + Purchases & Other Charges 6429 Payment Due Date 04122103 + Cash Advances + FNYANCE CffARGE' .00 Credit tine $1,000.00 Balances On 18 00 AvaBable Credit as of St tement Date 5.00 + La to Ctlarge . .00 Available Credit for Cash Advances as of Statement Date .00 = NEW BALANCE $1,018.85 Average ANNUAL Daily Grace Type of Balance Daily PERCENTAGE Periodic Terms Balance MATE Rate Purchase $986.38 23:99%' 065720%' Term B Cash Advance S.00 23.99%' .065720%* Term B For 24-hour Automated Account infotTnation, call 1-B00-356-0011 or vMsilt us at wtwtar.proviciianon ine.Cont. Y 000304000 36M 1 540 'These ram may vary SAkANCE AS PAYMENT OF WP= DUE DATE MINIMUM PAYMENT AMOUNT ENCLOSED f ACCOUNT NUMBER 5542-8520-0087-4014 S975Sti 24,2003 228,00 1$ ? WICah 0WIP of ad**" on beck Mdca Checks Paysb a to PROVIDIAN MASTERCARD Providlan I11[[IIIIli[,rllll„tl[rl[111kIII I I i r rl hl r l[[„ I'.I I I[ I[[ I I:[[[I PROVIDIAN MASTERCARD Please be sure PO Box WW A this address apps- MANCHE8TER NM 03108-8339 In the window. Page 1 of 1 DEBORAH L GRAHAM 000000 902 ALLENVIEW OR MECHANICSBURG PA 17055-8604 I[ullln[III[?,arl[rL1[Ir[6[Ili[ILr,[Irrlll[[,[IrlirLll 554285201108740140002900009755600000 Ycwir ascou rti is issued by Pi diatt Naibon ai Bank, Ti (lit . iVFI. - - - - - - - - - - - - - - - - - - -oE-AC H- PROVIDIAN MA8TE32CARD TR tSAC710? 3 M pdo pescriptl Trans Date ference Number Amount 02-21PAYMENT RECEIVED -- THANK YOU 02-21 75417283052450479090963 0000 40.00 PY FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE, ACCOUNT SUMMARY ACCOUNT N 5542.- -0087-A014 Previous Balance $994.56 Days in Billing Cycle 32 - CnKlft .00 Statement Date 92/46/03 - Payments 40.00 Minimum Payment $29.00 + Purchases :3 Other Charges A0 Payment Due Date 03r24M • Cash Advances 00 + .F/MANCECHARGEHARGE; Credit Line $1,000.00 On BakwK*s 21.00 Available Credit as of Statement Date $24.44 + Laser Charge 00 Available Credit for Cash Advances as of Statement Date $24.44 _ NEW BALANCE $975;56 Average ANNUAL Daily Grace Type of Balance Daily PERCENTAGE Periodic Terms Balance RATE Rate Purchase SMAZ 23,09% ,085718% Term B Cash Advance $.00 23.49% :065726x6 Term 8 For 244=r Automated Account Information, call 1-WO-356-0011 or visit us at www:providianonline,COm. - --------- -- - SAi.ANCE A3 PAYMENT Otrlf163 DUE DATE MnaMUM PAYMENT ACCOUNT NUMBER 5542-8520-0087-4014 (994.58 E820,2003 S3tt:DO C7 tmllc>ft tharW of address on barb PROVIDIAN MASTERCARD 111,??,hlLr„1111,na,a,i.I1?1Ji1,dI,LL„hI1,I,L,111,11 PROVIDIA N MASTERCARD Place be sure PO Sox 9534 -4 this address appears MANCHESTER NH 031088539 In the wintlow. Page 1 of 1 DEBORAH L GRAHAM 000000 902 ALLENVIEW DR MECHANICSBURG PA 17055--8604 1U,1111.1111„!,if 1 14 11111111111111111111 11tIIItl1111.1111111 55428520008740140003000009945600000 AMOUNT ENCLOSED I. 1$ New Checker Payable to PrwWan Maur account is fSWU I K4;o 1-2 National Bank, Tilfofi; NH-- - - - - - - - - - - - - - - - - -t-61'ACM t?RE We we updating your Account torms to dWVO the We for certain payments by phone. ElftwWo March 1, 20W, If you use our opdonai On-Krauss Service for PaySmart( to make a payment by phone *am year personal dwdit account he your Account with us. we may Ow" a fee of $14.95. This his is a FINANCE CHARGE. Our Monthly Reeurrbq Service for Pay9man will remain free of charge. Adrationally, plea" sae the Important notice (enclosed) reawdw other dwvn to your Account berms. The table balm tieft the standard Amaral Percentiles Raft (APR) information that will apply to your Account as of the dab printed in Ow enclosed notice: Rene Tabu Purchase Amount other Prime Rate: 18.74% (29.99% APR as of January 2003.0.065726% OPR) Comb ,Amount over Prime Rate. 19.74% (23.0% APR as of January 20t>,R. 0.0657269 DPR) PROhV101Ai MMTERCA M CTItN?S PON 20 Dsscrtet?on Tmns Reference lumber Arnou 12-30UNI-MART #04229 LEMOYNE PA 12-26 23547512341118359010088 5542 20.00 III-21PAYMENT RECEIVED -- THANK YOU 01-21 75417203021830660970249 0000 40.00 PY FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. Previous Balance $995.13 Days In Billing Cycle 24 - Credits .00 Statement Date 01124103 - Psyetsrsts 40.00 Minimum Payment $30.00 + Purtdness & Other Chargers 20.00 Payment Due Date 021Y0103 + Cards Advwwn RO CIF CHARGE + .00 Credit Line $1,000.00 o N . 19.43 Available Credit as of Statement Date S&44 + Lab Charge 00 Avallable Credit for Cash Advances as of Statement Date $5,44 s NEW BALANCE $494.50 Avenge ANNUAL Dally Type of Balance Daily PERCENTAGE= Pertodic Batarwo RATE Rate purchase $1,019.62 23.99% .066746% Cash Advance too 23.99% .0657286 For 2A-hour Automated Account Information, call 1-800-356-0011 or visit us at www.providianonline.com. $40 BALANCE AS PAYW-W OF 11r29M2 DUE DATE Ma WUK PAYMENT ACCOUNT NUMBER 5542-8520-0087-4014 St 011.09 2Z, 2002 53000 0 hftals O mad or address on Wk PROVIDIAN MASTERCARD IIIIInnrll,rl.IIIIIIIIIII11111101,0„,IIrIIIIIrrll.IIIIIII„II PROVIDIAN MASTERCARD Please be sure PO BOX 9 this address appears MANCHESTER NH 03108-9539 In the window. Page I of 1 DEBORAH L GRAHAM 000000 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 I,r11111MItlulIIl 55428520008740140003000010110900000 AMOUNT INCLOSED -? Make Checks Payable to Pr& Mien Your account is issued- Ii Prd2Vlaian National Bank, Tilton, NH, - - - - - - - - - -oerAcm- H- JI - YOUR ACCOUNT IS OVERLIMITI Your account balance is currently $11.05 over your approved credit line. Ple8i4e pay at least this amount in addition to the Wrdmum Payment shown at the top of this Statement To help keep your amount in good standing please maintain your account balance, Including any current or potential finance charges and tees, below your credit Brie. Need a quick anoww town asxount Question? Be are to try Ow *ASK US' faa Lure on tux Web sit at win w.PrwidlanQnbrioxam todadl PROM" MA;11TERCARD TRANSACTIONS Post Date pasd -goon Trans I ilim Number r t Amou 11-04SHEET2 0201 MECHANICBURG PA 11-02 23483072307230733839864 5541 10.98 11.04SMEETZ #201 NECHANICOURS PA 11-02 23463072307230733841993 5542 17.00 11-0661ANT FOOD STORE 0120 MECNANICSBUR PA 11.04 23418732309507766462327 5542 16.00 11-CONESS # 3041E MARYSVILLE PA 11-06 23548072311604000088586 5542 20.80 11-18PAYMENT RECEIVED -- THANK YOU 11-18 75417282322850614662361 0000 40.00 PY 11-IOTURXEY-MILL •0240 MECHANICSBURG PA 11-15 23444002321519883220314 5542 iS.00 11-25TURKEY-HILL #0240 MECHANICSBURG PA 11-23 23444002328523043510500 5542 17.50 FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER 5642-9520-00874014 Previous Balance $930.75 Days in Billing Cycle 31 Cnldlts .00 Statement Date 11125!02 Payments 40.00 Minimum Payment $30.00 + Purchases $ Other Charges 100.28 Payment Due Date 12122/02 + Cash Advances CHAWE + Fn1GR .00 Credit Une 51,000.00 saftnces M . On Bala 20.06 Available Credit as of Statement Date 11.00 + Lain Charge .00 Available Credit for Cash Advances as of Statement oat* 11.00 NEW BALANCE $1,011.09 Average ANNUAL Daily Type of Balance Daily PERCErNTAGE Periodic Balance RATE Rate Purchase 598439 23.99% .1165m% Cash Advance $.00 23.9976 .065228% For 24-hou1' Automated AcaOunt I nformation, c11111-900-3W-01171 Or visit us at www.Providlanoniinexom. M VVUVaV%W -WWI 4D BALANCE AS PAYMENT Mapau" OF i4ri 2 WE DATE PAYMENT j[AMOUNT ENG4OM ACCOUNT MAWR 5542-8520-0087-4014 ss3oas Dvzt,2aoz t28A0 ? k Oco* Ow" of addrit" on bock Make Checks Psyeble to PROVIDIAN MASTERCARD Providlan !!!N 1'11tt11 ?1l tl lltlliiltltll l'!1l1? 11!1(1 t 1111 tl 1!' t 1*11If $ II PROVIDIAN MASTERCARD Plum be sun PO BOX 9330 this address appears MANCHESTER NH 03108-9539 In the window. Page 1 of 1 DEBORAH L GRAHAM 000M 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 111,!l111:1i'!l1i1?[,t.i,IJ1LJ1/1.1 /11 t11111w1:lN1r11,t1111lI l1 55428520008740140002800009307500000 Your account is issued by Providiat Flational Bank, Tiltciri,- - - - - - -- - - - - - - - - - - - -DETACH HERE 0 NH, MESSAG99 FRONT PREfVVAN MASTERCARS (let a FREE CREDIT REPORT when you register for Online Sarviusl Make Burs your ago lntermMbn is accurate and p mw awrarl possible credit fraud or Wori ty #aIt. Replster today st www.ProvidianOMrw comA yCndit. PROMAN MilASTMCARD TRANSACTIONS tg D o% DescrWon Trans Daka grr@n+re_Number Amount 10-23PAYMENT RECEIVED -- THANK YOU 10-23 T843fi 996850634621019 0000 $0.00 PY FOR BILLING ERRORS AND IMPORTANT INFORMATION. SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER 5542-W20-MT.4014 Previous Balance $981,71 Days In Billing Cycle 30 - Credits .00 Statement Dab 10125102 - Patnnents 50.00 Minimum Payment $28.00 ? Purchases & Ottw Charges .00 Payment Due Date 11121102 • Cash Advances ? AVANCE .00 Credit Line $1,000.00 b 19. 04 Available Credit as of statement Data $$9.25 Labs Charge Late Charge + .00 Available Credit for Cash Advances as of Statement Data $89.28 = NEW BALANCE $930.75 Average ANNUAL Daily Type of Balance Daily PERCENIIAGE Periodic Balance RATE Rata Purchase $965.85 23.99% .0657, 26% Cash Advance S.00 23.99% .0857'2$% For 244our Automated Account Information, call 1-800-356-0091 or visit us at www.providianonNne.com. r vwv+uvw awv 1.T1v BALANCE AS PAYMENT MINIMUM Of 09761112 DUE DATE PAY*EMT ACCOUNT NUMBER 5542-8520-0087-4014 5981.71 22,21102 f2800 0 Irl leM dwVe ofaddfess of tack PROVIDIAN MASTERCARD PROVIDIAN MASTERCARD Please be sure PO BOX 9539 ./ this address appears MANCHESTER NH 03108-9539 to the window.. LI I 1n1,a1,111Igo ,t11116111111If 11,11 Page Iof I DEBORAH L GRAHAM DOOM 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 55428520008740140002900009617100000 AMOUW ENCLOSED Make Checks Payabkrto ProvkNan Y;;jr aids tw Fis wlli" w Proviiilit kibil t - - - - - - - - - - - - - - - - - '- MAcr- ARE -0 IF - MESSAEiES FROM DIAN MASTERCARD Need a quick answer to an account question? Be sure to try the -AW US- featurs an our Web site at www.ProvkAenOniine.ow tadayl PROVIbUW MASTERCARD TRANSACTIONS POO Dos Descriol3on Trans [?arts RsfarIng g Number Amount 08-229SPRINGNAtO 0569 LANCASTER PA 08-28 70541862241012016659054 5231 80.00 Da-388HEETZ 0201 MECHANICBURG PA 08-29 23485072242224231948614 5542 15.55 09-09TEXACO INC 91002TOSS49 WELLSVILLE PA 09-06 23452862250000927147145 5541 8.84 09-19PAYMENT RECEIVED -- THANK YOU 09-19 75417282262aS0648770299 0000 50.00 PY FOR BILLING ERRORS AND IMPORTANT INFORMATION. SEE REVERSE SIDE. ACCOUNT Stf1AMARY ACCOUNT N R 5542-M D-[1067-4[114 Previous Balance $687.93 Days in Billing Cycle 30 - Credits .00 Statement bate 09!218102 - Psymento 50.00 Minimum Payment $29.00 + Purchases & Other Charges 104.39 Payment Due Date 10122/02 + Casts Advances + FINANCE CHARGE: Credit Line $1,000.00 es On ia .30 Available Credit as of Statement Data (38.29 + Lou Charge .00 Available Credit for Cash Advances as of Statement Date $3&.29 = NEW BALANCE $961.71 Average ANNUAL Daily Type of Balance Daily PERCENTAGE Periodic Balance RATE Rate Purchase $983.29 23.99% .065726% Cash Advance 11.00 23.99% .065726% For 244flour AiAomatBd Account Information, i; 1-800556-0091 or visit us at www.prowidianonline.com. J 000300000 38881510 OCT-31-22M7 13:229 From: a"j , ar w c. % H 4 s ', '4A J rip } t 7c, .21'56:3421 am { k` f P 1 a r PAYMENT MINIMUIM BALANCE AS OF ACCOUNT DUE DATE PAYMENT 914370004 NUMBER PO ar 440g3.t?HS1 11 7eap6 0U9 9at30ip4 f 32 as St 0d4 tat b5d2-852"097-4014 kWk.u C2l?fp fAAidwfw a310w Arr0 k1110x0 rQ'k4n /ia0ta7i tOlCtdFaDlw YW4eeeilWtifq saF-1aoa.oa MdKMfon: ... Welk Pheur N #Yb Checks Psyst," to Pmvkun _......?...__'- 000 PROVIDIM PROCESSING SVC& OEBORAKLGAAHAM ?ss2v P.O. BOX 680487 DALLASF 769t86-0487 )) F 1 11 MBE j 1 BtljRG A 17065.8604 ] ((411(1?1(Ii1'1(rlflrl"tr(7110.1.1()If ff(f I1?'1/f 1(744 {1(111 (Ifi( Mo., jj 111Ifr'I:IIIi1(IIF1.r.(1iili It (((il lltli(11(1(( 55428522000674014 00032DO 0106202 0003500 25 I - DETACH HERE .. y t COLa6601 6413 6012 ?46 2 041723 P.O. 3' •. 7 N 002 13321 °•Tfum! YOUR ACCOUNT IS OVER ITS CREDIT LIMIT. Please pay the mwmum payment noted above along with ft ovedirm alnour&as sw as p6aeibte. Haw yoU cadad yottt FIO (R) aadlt score let*? Register or lop In Way at www.pmdw.com to check your score, mates oown as A morel SgIaItl I'7I?tlte 114310 Credos i Pa rns 535.00 uhf i . ?': `{' ?: r A, M& w1w Iroof 7 F . 'I" Ciradtt IM St,0p0.00 Caah Adrancaa f ? ?St T. ??t? Y`?91tY Availab4CrIodtler Cash Adranxa ae of t 23roa ? a $0.00 NEW 9AGWCE St A8292 ? K?t?"Y6iK ` '39 TmrfueNeru FOR BIU.bl6tlati AS MVO IMPORTANT' INFORMATION. SEE REVERSE SIDE. Scants Gtspur y Average Wier Periodic Am1ual % Finance GM" Daly ft4nm R4* _ go" (APR) Chwn" Tema St3ttlditd Kvft0e • CURent Cycle SI.078.53 .0075%' 24.7494` $2121 Term A Standard Caen • C #mA Cyde $0.00 .0670%' 24.7494' $0.00 Term S AN(OWLF tt'AG1EPATE1hi64S+ nacvda: 29.5994 'The n nflos nay vary, For 244iftrAutonaMtl Aoow ft IMomooWn. please cal 1-000-380.0361 or wit d us at www.pr*Adktn.com Your aunt Is Rued by Pmvidtan NatWW Sank, Tff n. NH.. PAYMENT MaMAJM aALANCEASOF ACCOUNT WE DATE PAYti1EW u0naa" Mlt®ER Po wwan.0a ., rz rnGCwn alnsas )i d0 it,aN 97 5542.8520.0087-4014 adle9raaw.a._elAe9,+ 111-Im (wo I*- w b1K% J AMOUNT INCLOMtu-b4,-vbIwk1,40 Ad*- Adl It Uski Chwks Ps wM to ProvkSan ow y G.Wi:...-_.__..__.._.. ._.._._...................... ......_ PROVO M1 PROCESSING SVGS. DEBORAH L GRAHAM 10.1 P.O. SOX sow? 902ALLENVIEW DR DALLAS TX 76260-OW MEC 4ANI=URG PA 11745"604 11 lM .'.r.I.IdIIIIIt.. I rflrral,i.rlr..rlrili'rltrlrtyrrrl{Ir r,.11111" III .1l,rit 111.1.1It 1. 0114111 .111111111,IJ,ir,rNr,ir 5542852000874014 0003200 0104897 0003500 25 DETACH HERE p p C Cetsi191 9997 99:7 949 7 961223 P.p. I '.. t N 999 72Si1 bulad(IIIIIIIIIII YOM ACCOUNT IS OVER f rS CREDIT LIMIT. Please pay the mirnmum payment listed above along with the overlimil amolmtt as soars as possible. Have you ddwckadyots FICO(R) credt score lately' Register or Log In today at www.proviwan,com to Check Your score, mdta per"(ft 4. moral ,A1aPa1/q Aow Sq tthNa 3?; tvsagr'?o9 c?adits a Parm.nis sa5.oo fAedt .$1,WD DO Clash Advances ?: E2 t aY MM ftf Gtnh Ads MS As of 124*104 30.00 NEW BALANCE $1 w&97 FOR BIU jNG ERRORS AM NYiPMANTINFORMATION. SEE REVERSE ME. Sele- Category A+ Moo Daily Panodk AnntW % Finance Grace Daily Balance Raw Rata (APR) Charas _T_emis Standard Porehase - Cu"M Cycle $1,067.96 0685%` 24.99X' $25,95 Term R Standard Cash - Current Cycle $0.00 0605%' 24.99%' SOAO Term 8 ANNUAZ PEROMW RATE)Ns ti ftVHyde 24;6896 'Theto rata may vary. For 24-how Aubma*d Aaca m intornlaeon, plaaaa call I-So io-OW1 or visit us at wow,tsovf1an,aom Yaw tta?a vt is boned by PmvkAart National Bahr., Tifton, INK PAYMENT UI101MIN BALAUCE AS OF AOCOUNT OM DATE PAYV84T 01)25M 05 VI ER PO er, een9s, D.A., TO 76W44973 0!]211Df Sia,00 t1.e46.16 5542-8520-0087-4014 tPdww taMgtl N Aeen. eWu lwtl ww er 11eA #f - AM UM ENCLOSED (- bf. er 14" (eie tn.pl- . _..._._yAaAl?mR- Usk* Cheeko "bW to provtmea --- o PROVIDIAN PROCESSING SVCS. DEBORAH L GRAHAM Leese P.4 Bt11( 680187 602 ALLENVIEW OR DALLAS TX75M,0487 AN MECH ICSBURGPA 17055.8804 { '?i lr lllr'1ri'{?i'''!rr'?n??NU'u ?'H ?A ?11 ri?nlr??N ) 1 + ?'.'Ii rl 'itt"{.N1?'1111'1'rl't?t'r??ii?'aa??rt HIII'?htT.a1't?It lr'I 5542652000674014 0003200 0104099 0003200 25 I DETACH HERE y C ielRtlOe{ {eta ODDS CAr f eDe{2Y P.R, ! , 1 M ere 910,66 Y" ACCOUNT IS OVER ITS CREDIT LIMIT. Phase pay the minimum Payment listed above along with the overlimit arrow as Egon as poeearte.. n 2008, do you know what your 0144 score is? To check your FICO (C) credit score for free; log in No www,proviftn.com mdwl i X0.00C0. Cash??Addvvanas * $0.00 aN A s7yIRV 1RAI Ea ',-" F 010 NEW eqALANCE - $1.040.99 FOR BtUJW ERRORS AND IMPORTANT INFORMATION. SEE REVERSE SIDE. B latto C"I n" a e ' Ararepe Daly PwIlo t: Annttal-% FWW= Gate _¢ae?Baiw= Rate Rate (APR) Charaea Term S4nend Purchase - Current cycle $1,05191 .0682%' 25.24%' $24.02 Term A Stand rd Cash -Ctxrent Cycle $0,00 .0642%, 252496' $0.00 Term B AMR)AL - RAT£#h a bWft orda' 97.4977E _ *Then Miles may Vats. For 244ourAuillwated ACoo0t #darmaBDn, Ol sse call 1.800 0561 Of visit L S at www.prevkbn =n Your ww-" Is bawd by PTnvk*m tYWOW Bank. Totm. NH. PAVMW &VAMLIM BALANCE AS OF AODOWT ME DATE PAYMEwr os awmas t R POawata/O.DAurx7011a Se190 51,9at? 55424520-0187-4014 koawootawRyootAdAr-MOgfirw Mw Or b" k" At10UNr BA:LCSFASwo.Ywor t16ek krkl Ad*mz AM N Maao Chmka PoysMo to Provkeon PROVIDIAN PROCESSING SVCS. DEBORAH L GRAHAM 93974 P.O. BOX 6611467 902 ALLENVIEW OR DALLAS TX 75266.0487 MECHANICSBUfRGPA 17055-8804 111t11i1111i11111111ii1111111111111111/11111111111111111111111 1111111r11 111rt1t1111111111111x1111111.1 J.,IIll, 1.11,1111.11 5542852000874014 0003100 0102184 0004000 25 DETACH t?RE y C: CO1R9441 4492 a44t $46 7 430223 P.O. I Of 1 k got 93974 IIII-VAPt 1141101111111119W YOUR ACCOUNT IS OVER ITS CREDITUMIT• Ptease pay the minimurn payment fisted above along with the owerNmB Amowtt as won as poas1l71o. .....,w.l awnnwrt ?" `?? 7.4ett P+adMls`9afarw? - 6r,b40:l9 'S12NrMrtt Cab ?dOD " 02123MS tfub lS Credits A Payments R A "$ k R $40,00 y rc s?C hsrG t arges . $Oi? t,.n6t LYw 51,000.00 Cash Advance$ Awa9apla0aAtror 0461Advances as of tu.z3v5 1 Y 38.00 ? NEW BALANCE 1 51 029 ?t1 r r. t ,' , ., a. ?b>?y Ams" DalyPodot AM LW% Finance Chap DR*SAW" Ra a RattetAPRI Chwou Terms SW,ftd Par&MU CtWent Cycle S1,841.46 8692%' 252486 520.110 Term A Standard Cph - Currant Cyde $0.00 .0892% 25.2496' $0.00 Term a WN& M AGE RATEtIrs ptinaeyds IWO*% _ 'Thsaa rat** may wan. For 244 wAUtomaled Acpum IntomwWo, piaaw call t-WO.280-8561-or m" us at www.prowkAan.cam Your mount is Woued by Provi Tian Nasonal Bank. Tilton, NH. - -PAYMENT MINIMUM :BALANCE AS.OF ACCOUNT DUE DATE PAYMENT 9 MUMMER tw.taawsata.wwYx?uaaa 04MtA1a b1.00 it.alt4o 55424520-00137.4014 klie010 ahrN •t•AAMw 11.10,. to. 10-kila,t iakt AYaUIFiMlCL 08Ea fw Ww•.ba.t M+q ?t ???a ?? My lkooi: L.:. . tere,t+tnnr Man Milne: N IMke CWhcks Payable to provldwl. _,,,_ .__.?.. PROV03tAM1 PROCESSM SVCS. DEBORAH L S•%W 45300 P.O. 80X!0487 SX<2 ALLENVIEW DR DALLAS TX 75266-0437 MECHAMiC9BURGPA 170558804 Ilr1.1 111.111 n11„III-III I,1I.I,,,?111I1 11 I 111II,)I I-Ill11.1 (SIT,.tI,I11J11)I11It????,ttl,,11t.i11111.11, I, III II 5542652000874014 0003100 0101240 0003100 25 DETACH HERE WLae0/1 1112 teal $46 7 011032S P.O. 1 Of 1 4 094 49500 YOUR ACCOIAQTIS OVER ITS CREDIT LIMIT. Please pay the minimum payment fisted abon aing with the ovedimit sm" t as loon as possittle• PLEASE ALSO REVIEW AND KEEP THE ENCLOSED IMPORTANT LEGAL NOTICE OF CHANGES TO YOUR ACCOUNT AGREEMENT. PLEASE SEE THE ENCLOSED IMPORTANT LEGAL. NOTICE OF CHANGES TO THE ARBITRATION PROVISION OF YOUR ACCOUNTAGRE NT AND A COPY OF PAOVIOIANS PRIVACY POLICY. PLEASE READ THESE CAREFULLY AND KEEP THEN " YOUR RECORDS- -ccoiRB.Btireraia Stalamem Dal ml '1.b0 0325/5 cAisflY"LW1tA76 D!dt3 d Paymeres Pirdw9soacdw hues * - 331.00 1.50:00 Credit lane 31.000.00 Cash Advances + $0.00 '- . 80A0 FMWACRtRGE r . 621:51 AvsilshiIt Great for Gash Advances as 0 0UZS'05 VJ DO NEW BALANCE - 5 0..2.110 FOR HILLM ERRORS AND IMPORTANT INFORMATION. SEE REVERSE, SIDE eater" Cab "y Ayiraos Do* Periodic ArgnKi % Finstfp Grace DOW ylalarlos Rant Aft (APR) Clara" Terms 8landard Perchase - Current Cycle $1,027.12 4498X' 25;491%' $21.51 Term A Stardom Cash - Coned Cyde $0.00 .0698X. 25.49%* $0.00 Term s ANIr : At3E MTEa>iEr?[Nr,1t CYCIO: 25.18% 'Thes e rates may vary. For 24d1fxa Aufamats0 Aeoeunt Wormaaon, please call 1-900-2WO561 or visit us at www.pmvkftnxom YOW SWOuM Is InU6d by Provirlian National 0anK rtfton, NH. PAYMwr Mw&WM SA AWm As OP ACCOUNT DUE DATE PAYM6#T 04 b rn"ER PO as 41901211 Maw iX 711200.eatg ? x.00 f1 10?7 5S42`6-ooe7-4}14 Ylasals ctwM N Ad*- Noww teat mw wbwo W ?-mot _ . . ANOL WT VC1,M0Hnt Mat wblaa 0„ 0 .___ ca Aaf -oaaaa aa p. __ . H-Peons ^_..__._.,_..._... Mate ct,.dw PKIF&W to PtovRftn .._...... 000 E4AId PROVOM PROCESSING SVGS. P.O. BOX e80487 DEBORAH L offs ALLENVIEW DAUAS7'X752 8 -WT MECHAWOWURGPA 17055. 8804 i + 11. 111111Ir,itjj,1,1111.111,1J,111 ++ I,(11 N JI 1111 11111, J ,l IJ1J,l,J ! (( { 4-.111111111 poll t1, 1?, ,?UJr111111iIUiJ,1J1Jt„1i1/JIIJt1' 55428520`00674014 0006500 0110867 0003100 25 _DETACH MERE y G tO1RT9t1 fate lose /sp OS0425 P.O. 1 -01 1 N ace 08.46 YOUR ACCOUNT IS PAST DUE AND OVER ITS CREDIT LIMIT. Please Pay Its Minimum payment listed above aIwV with Stue QVWNPMamiowlitnrtlttftk*Or Call us ar I-SM28i?8441. TM U$tW $600401 way w manage your account - Orllkl ! Pay your bill, dlenpe your MldresL order statemainb and More. Its Just a dick vw*y 10 wMM4tOVSdian.com ' 'eft ait ti r > L ?? 0425A6 }C?redts )b,?Pa nwnb }ypD.OD $14DOAO Cash Advances x $0.00 • ter Adiiane"as of 04125N5 SO.DO NEW BALANCE 19 3 a + ' S1 LOB 97 ,1k1Mi10e CeaoorY A-rap GRAY PerIW* Annual % Flnw= Grace Dapv8a1onw Race Rate tAPRY Charges Temla Statdnd Putdyeae - Current Cycle $1.42821 .0708%` 25.74%' SM47 Term A 8landand.Cash -C~Cycle 50.00 .070516' 25.74%` SO.t? TermB RAJAL PERCEN7M RATS 84s bia s crde' 68.2316 ?1taM rata may van Fee 24-hp1tAuEonWedAOo"t kdornwitin. pWm oil 7-80fk2so 0581 or visit us at www.previdho c m Yow acooUrtt is Waved by Provit W Na#wW Bank, Tilton, NH. PAYMENT MONMUM SALAWEAEOF ACCOUNT VUE DATE PAYMENT 04AS25b5 NUMBER Pa am$NMI sr.;nrma.aa9 ? ? 01,00697 $5i42 -0087-40104 filaelga GaryaMAdean ar.a w.4 aa. w6Md, wq At1CtrN1 51001,0100 4- Ylueer ktwk Up - 00 $0=0 ? suft . N MOO Chocka Payable to Pmk%" PROVta1AN PROCESSING SVCS. DEBORAH L GRAHAM asps P.O. Sox 66Wt7 902 ALLENYiEW OR DALLAS TX 752064487 MECHAN(CSBURGPA 17055-B60a rr„ri,gar„11„1 11,1,11,11,1 ,.,111,0.1 ru11+1,0.111 1,rrtrl"11 5542652000674014 0006500 01108870003100 25 DETACH'HERE .-^ M C COLaasal 0402 lost 344 7 050420 Psan 1 ?r 1 N 'eaa aappq ky"ll" Mow"" YOUR ACCOUNT IS PAST DUE AND OVER ITS CREDR LIMIT. Please pay the mk mum payment Fisted above atorg with 010 OvarlnalanwAtOwnedablyrx cat us et I-800.2W9441. The qolsot.4aa" way to manage your account. online! Pay your bill, charge your address. order statomms and more. We !* a dick *way at www.wo6dw.com lgv olar+narl '? ` ? `?` 6iT2o-tJC1D740Nt Pnerioys:8atarke 51,Of2:+F0 Mmr+t [hN 0425,5 Credits a Paymams 80.00 -Orallm ?_. ".` ? ' ? duttL'! ?t'gtaglas a - ,i'1?t:b0 Lida - 11.000.00 Cash Advanoos - 50.00 Wagon 'a oftowt , id E T AWOL k+ 'IarBL G; l Advances ma a C4r,:5,v5 $0 00 NEW BArJINCE - y? ,. .. t1 z.t yy.?i+11I a- + ?''ta"' ,'. S1,10&87 .8dIIm Call" Avarapo Daty Pa I*ft AnlnW % Flnance Gram DabfBalanm Raft Rau (APR) Champs, Tee Standard Purchase - Currem Cycle $1.028>21 !745%' 25:7"%* $22.47 Torm A &Andwd Cash - Currant Cycle. 50,00 .0705%, 25.7476' SA;00 Term 8 1 ltd PERCWA6I RATER rapine cycle: P_ j& :Dose rates may vary. PFPer 2"vw AUlormledAcco rA tnbrtmaAon. Ova" sat /-800.MOW1 or visa tsar www.pr*Adian.com -- Yom aomod la h susd by Pmvidim NafwW Sank, Tiftn, `NH. - PAYM (r MOAMUM SALAHM" AS OF ACCOUNT MW DATE PAYMENT NUM!" PM SO.siaM0WIft,,rx2las4tr, strstttoa 81tsL00 8140665 5542-8820-0067-4014 tNlrfC9enaf N AMlM afinr¢wlkl! x4l,d YiQ A 1 EENCLOW 1-6 Malmo bfwk Ink) MOUMT Aim... l ?f ? ? am $ ,r o... C Zo. . W„N.Plonrx ?_?_-_. .. wed ahem. Make Chocks Pay" to ProykNAn CC! PRQVIDIAN PROCESSING SVC& P O boxSSW87 DEBORAH L GRAHAM 42M . . DALLAS TX 752460487 9WAL4ENVtEWOR MtCHANtCSBURG PA 17055.4604 11.11 LIll. r,t,r„r,irru„1„jri,,,,l,r,trar 554`2652000874014 00102DO 0120665 0003100 25 i DETACH MERE 'ry M C. tOlR1!!1 ilf2 !?!3 iiC 4 !ili2i. Peio S o! t N D!! i2f! k owls t M"wGas YOUR ACCOUNT IS PAST DUE AND OVER ITS CREDIT LIMIT. Pleaft pay ft minimum psymem flaw abova alma *ft tht -wl"tlt 4ftWAt km*&Al* ar Old us 01.600-2043,9441. Gat mwe barn your Card. Lao In at wvrw.pmvldtn,o m 10 aoeew d ecowts, vww your latest uansadons and check your F100 a" sc"_.FREE1ICs all *0 a Click away, "••,•'•'°„` ""? ' l ftk?ail 0589105 * jb9 Credlts b Pa?meru Plh iOtrer L713rye + 30.00 T -Cmdh Line A s't lAls as aI OISItS i>s' $1,000.00 s Cash Advnncot k 4 f1 .. $0.60 F V CE CHApt4@ = ?z AvabbtaCocclit lot Cash Act4ances as of 05125M5 r 50.00 NEW BALANCE - 31,206 65 ppm' T _ .FORBRIM AmIMPORTAWINFoftUTIOK 11-O" we" renoore Ar = % z=9ranos Gme Standard Prxctmiss - Clutertt C" $1,124.18 .0705%• 25.7491,' 323.74 Term A Btandwd Cash • OmM Cyde $0.00 .070574' 25.74%' $0.00 Term 8 ANNUAL PEt9ITAQE t;A7ERryt liif*tylcYOlt' 95.38% 'Tlreae rat" hilt' Vary For 24•hout Autom ilodAcow^ W rrm ilon, 0ooss ad I-O 0.200.0561 or viait us at www.pmvk0a".com Your a=Wnt is iaaued by Providian National Ba;*, Tilt n, NH. PAYMENT MINIMUM BALANCE AS OF ACCOUNT DUE DATE PAYMENT oar24mm NUMBER Mo lb. afeaa?oxr.. YX 7wme."" 07R41CK tT4Z0a St 5li st 5842=®$' 1 dedealeCfea,ae M1N11„Cw ierew Nn WewhW i,hb . . , ?-Q 7-{Q/4 A9lsr AM XW 9 CLC W (4" abew 6Mek bki ;. y+ $??? . No. PhonF WA w,- h fate ChrCks PayaWS to PeoVii7pn PROVIDIM PROCESSING SVCS. DEBORAH L GRAkMI1d DTSac PA 8Ox opm? M ALLENVIEW OR DALLAS TX 75266-D487 MEOHAI URGPA 57IM-8804 5542852000874014 0014200 0131052 0010200 25 DETACH HERE y C COLMT921 set: SLID "a ) OsesrO Peae ! a! , 11. ate Ittimmum,'lwi a Y" ACCOUNT IS PAST DUE AND OVER CTS CREDIT LIMIT. Plum pay Cw minknumpayrwi limod above aiong w4h Ow O"WWarrwdaftlmrna 11aftlyorat INS at 4+800.280.9449. YOUR 08dZN/08 PNO 8 Pa rr»ngg??p?c _ Trof (12 00 Cr?R 0 SI,00O.00 Cash Ad mormas SD.00 AvadaWo Oro(o?f,pV?"`Advances as of 0612AMS $000 NEW BALANCE - S1 91 ^.52 AAyR1?F ?iweyt?. 90 Trwlaaeti Trop lM BUM ERWRS AND IMPMANT INFORMAATIO. BEE REVERSE SIDE. B brace Oavgmy AY-pa Dally PaAOdfo Armed % Fatah --- Grace Daily Aga" Rata Rata (AM) _ ChWM Teema Standard Puromm - Curios Cycdo $f IMM D784%* 28.88%• #29.87 Torm A SW%dwd Cash . Currant Cyrdo 30.00 .0794%• 28.48%• $0.00 Tam 8 PERC9iTA8 RkTI: li?M1{?iryr QSd@' '$5,?m? ?ThOdYa Ta For 24-Nw AubrrprbdAoWunt Irdarr *c8 pdaaae can I-WO-28W0881 or visit us at www.prorkdian.mm na T1laY Vitt. Your scopmt Is Netted by ProvidfeR Notional Bank, Tlftn, NH. PAYMENT MOO" BALANCE AS OF A (T DUE GATE PAYMENT 97MBON MASER 00 Ill. aast,oda•1x111ae.aa3. ?J ?J =161.00. E2,8dS.79 554246520-0087-4014 bAwM Cttapo*1 ASam4 blur W41M0orb44e trla) A#WIfNT BKIOREetN4oMw ork9vklnW $aaao aa . N4?4 Piono __ 'al'ykPha,e N ak+tu Cooeks Paysiat to ProvWlem ' -_ 000 CAW lat OCESSMXa SVCS. DBOPM L GRAHAM 40355 P ALLEViI)EYY DR DALLAS TX 715211411-04117 MECHANI C B? GPA 170 4 55-860 ?'trf ?llf'rl l?r 111/rIN?Y I''?tl N?Il? tt il l'r'rlr?Ii r'r'l tr t'f U1? f t f tt {{ 1ttr???Uit1?f 1111.r'ri't'.r'tr7ul?JII'irr r?ff"'nlfl'r ?rf lr ?? SWAS2000674014 0018400 0136339 0010200 25 OETADHHERE q c COLxraCf. 4012 6124 640 7 oai)24 P.6. I N t N' too 46ass )ntpollant "' YO(!R ACC4UMT IS PAST DUE AND OVER ITS CREDIT LIMIT. Please pay the rMmmurr paymonl listed abpvo along with MN OvMWTi1 amourflkmr404"IY of call Ue at 1-800-280?8441, +r s?nwwi w,.ufrrr - Dais 07/26/05 Cre" t Pttvm*-U to W + E1,ogo.co Cash A&.wxm so on r Av*W* dtl0i Cileh Aismamm as 9107mm $0.00 NEW BALANCE y am" $1,38&39 WW" hg's r? is a"."' Far24-tWx At*WWYd Accouk Ww"Wi8on, plottse caA 1.800.280.0561 or Nsit us at www.prwAdlan,com YOW account b Wsusd by ProVidtan Na*nat Bank, T'A06n,1 K "BeW+oe C.ataQory Arwepe DRAY PoAWC AmmuW % Finaxe Grace N"i Balance _ %te 0416 (APR) g-4" Tom* SWxWd Pumftm - Curram Cyde $1,332 68 :0784%, 28.99%' 33187 Term A SWWmd Cash- Currant Cyde $0,00 .0794%' 26.99'16' $0.00 Term B AMF!<IAL PEl tTAAAB ib1TE tI dflNn cvde 6049% "T'hass Was may vary. PAYMENT UPS" BALANCE AS OF AC00UNr DUE VATS PAYMENT OWAV4866 NUMM Po.e..aw»,Dw rxnalaa+aa t74RtA13 St 4tlb tz 5542-6520-0087-4014 Y.d99u CAry99iAd1,4+9aa.tw.tlwerbMaiaRl 1490elrT aaCWBaetwMw9rahekLl6 $CI=01113 IIpn.PVan. Vft& ph- 11 Luke Chodw Psysk" to PmAt"" . PROVIDIAN PROCESSING SVGS, DEBORAH L GRAHAM 370s1 P.O, BOX 660447 $02 ALLENVIEW DR DALLAS TX 75286.0167 MECHANICSSURG PA f7055-8604 1.I.L.ri.1,11...HIM ....alnLl.nlll„J 1.,.111,„111,, J„tI.,ILIIIll. III,'-111„1.11 5542652000674014 0022600 0145612 001020025 DETACH HERE ^ c C01.19991 4992 9144 440 a 652425 R.). I of 1 M 999 27151 b"Cawd M0004" YOM ACCOUNT IS PAST DA AND OVER ITS CREDIT LLUT. Pleaae pay 6ae mk*uum payment Noted above along with tINOMarNrna am0untimnMt6aldyar Ca110eat 1.608.280.814'1. SlarnwM Dale 06125/05 Credits d Payr me m $O.DO ' 6,41040 !61• 1'006 Pip?lk Cradh Lxw S' .000 00 Cash AW ancos a SD DO 721194a#o€ORdYS+06'? So:GO ?>? * ??,73 'AvaNable Cr'odf for Cash Advance as cl 061"5 $0.00 NEW BALANCE r $1.456.12 1 11 00 *FM 1J MG ERRORS AND IMPORTANT NVORMATION. SEE 4EVERM 31DE. 'B6pr+oeOtppery A-1100 Oak Psrlodle Am"% An4no Grace Dally B "411 fpp Rap (AM ChVw* Tema Suyldlyd PurehaM - Current Cycle 3/ 103.48 .0601X' 292191." $33.73 Term A Stanftd ORO - CtiXyw 0106 80.00 A601 %* 29.249L' $0.00 Term B AIp1UA1.PLsft( WAM RATE6es bW4 cycle: 28.84%_ _ lnt rates may van. For 24-hour Automated Account Ie1(grma6on,. please Cap I.000.=8 0561 or visit us at www.providian com Ywo account Is issued by PnMftn National Bank, Tilton, NH. PAVWW #INIWIJM BAtAMMASOF ACCOUNT CUTE DATE PAYMENT da0t'BrYM NUMBER o.e..eeoao,orL.Txaweeao toRatoS 9s7soe ttsaa46 5502-8520-00674014 arwa.c+re?a..LAaaaL e.rar?,.w?rearai real A ?B (1M aAlf Of OfiCk Y,y llo,rr? ppp,w H Make Checks poysbM to Providan rro r ..._ .. ....... ow E+iM ..._.__.___..._.._....__ ................ _......... .................. ..... ..... ,......... ..__. PROVIDIAN PROCESSING SVCS. DEBORAH L GRAHAM rases P.O. POK 68Wa7 902 ALLENYIEW OR DALLAS TX 75266.0487 MECHANICSBURG PA 17055.8804 lL,+lfLl.r,IrLlbirll.dltn,fallr?frlrrill.rlilc,.lllru! l+i,lil,r,IlLrrdrlnLirlirlrrlLrllu,rlrrlfl.rr,rGLri,ll 5542852000674014 0027500 0153340 0010200 25 DETACH. HERE ?'. C Ce1Mat1 LORI LI If .BSS 7 LS?}IY PYye 1 Lf r M M ISM rraww* M""a" YOUR ACCOUNT 6 PAST DUE AND OVER ITS CREDIT LIMIT..PWm pay the minimum payment lisped above along with 6+a ovedimil ampomtinm*diatay orcat us al 1.800.280.9441. 'BtWIaaKBLSaia 0828A5 Crethta3Paymenrs St1.M . ??Adt?t¢ea r Orwet Lltia $1.000.00 Cash AdvwK" SC 00 'A?R1iaMta''CrYedl CMhAiM11a4aY'M W 09/2&04 SOHO NEW BALANCE SLS33 ? 'FOR ft&* i ERRORS AND MN?ORTANT'1NFORMIATION, SEE REYffRSE SIDE. .1 OetNpry AV-"* Daily P*ft tc AmuW % Finance C,face gv?Wince Ra6s . ....... Rs_ ?tAM Ctrs Te rrms Swndwd Pii dww CurrenlCycio $1.480.61 .0808%' 29.49%' 53828 Term A SWxbd Cash • Cw" Cycle smoo 08085;' 29.49%,' $0.00 Term a A MINI TAN RATE*wpA rw qM; S1 02% 'Th- rams may yary For 24-AWir AAamam4A0 W * If WMIllon, please caa i-800•• 0561 or vish us oil www.providlan.c m Your AWOL" Is bared by Pmvidfan FNt9ona! Bank MM, NH. PAYMW MWIMUM CALANGE AS OF ACOOWI T DUE DATE PAYMENT taaggocs NUMBER PG as low. caM.SX71eaaWaa tt/21AK ?? it,?D.fB $542452D-OOP 4014 1.aap. Cw.aa.rAaa.awa Now a.w Was W 1N.aa w Add- 11YOL1Mt ?ICLOaaD.aw bbm srbyatt W - ?aca.oo bnr PMW; Mtlte ChockeP+Table to WhobiVen Mutual WASHINGTON MUTUAL CARD SERVICES DE80RAH L GRAHAM 7KZSc P.O. BOl 1"07 902 ALL D, DALLAS TXT8246.0487 MECHANICSBGPA 17055-8604 {n.{ {.?n.{e{.{{rn{{.r{{..n1.1111.{.{...i1.1111-111., 11 1u.1l{.r.111. {..{.{.lulLn 5542652000674014 0032400 0160912 0010200 25 DETACH HEM c Ceta4aat ifi= 4143 4x6 7 Moor P.S. 1 o! i .e 444 74239 -w You as Mpwuft for koel*V 6ract of your A=WJ t 119111nca, MtdudkV *Iwm chvq" and fam 0" yow Ac=mt bldattsa taiptarlrtd eratatE Ilud a nstq?ku belpw yow ChdE LMw. tP VOUR A£CALJN7 tALANCEEXCEE05 VdUR CRI ?fT LfN6 A ANY TI6iE EYEN ONLY FL)R ONE OAY, WE MAY CIiARfiE AFt OVEtB IMtT PEE OF $35. YOUR ACCOUNT is PAST DUE AND OVER rm CREW LIMIT. PNxe pry ft minimum pwpwl fated above along wlih l» ovisft4 Vownt km Mad4t* or call ua at 14110.280-0441, ?i??1a4'?.. ,. 5?2t02.a ? 13a7ffit0a St.?±aG Sbtamenl Date ? 6 468 10/24/05 Crerfiu b Payments 50.40 e» by 1%mm Pines l 6dw, a,prgos + 599!00 .Croft Lime S t.t1W 00 Cash Adma ,- $0.00 AYal 1114 ??t Gpr CaaM Advances as of 1 2S 05 $O OC NEW BALANCE 51 509 72 Baiar" came ry Av-w Dally PerWC Annual % Finance Grace peNr 1wance Rata RON (APR) Chamas Tempt Standard PwOtm - Currem Cycle $1.553.71 .00159:• 29:24x• $36.72 Term A Stardwd Cast! • Current Cycle 50-00 .0815x, 29.7A%* 50.00 Twm B ANNUAL MWENTAGE RATEfIrs Wkw cycle' 20.36% 'These etas acv vas FM 2Wxw Atmnuted Account Wom aticn, please cal 1- 10-280.0661 or rise us at twrw.pmvidian.com Your account is laved by WuhirW w Mutual Bank, Hendderson, NV. r PAYMENT MINIMUM SANCCE.AS OF. ACCOUNT DUE DA7E PAYMENT 0&7SIpM NUM M ro&.011".taiwnIFINS-11+n outfAt 8aa06 31078x1 5542.8520-11017-014 Qrpe etAd*uw BW*w bm Nlwer Nbn4 Nip Ammw finumE6(W bt or NM.i M1Q .? s FT=.oa ?. wau. Wlonr. >w?ol.d,? Nwo mou t0 Pf*Vww" PROVIDIAN PROCESSING SVCS. OEBORAH L GRAHAM 71+41 P.O. BOX 660487 902 ALLENViEW OR DALLAS TX 75266.0487 MIEGHANICSSURGPA 17055.8503 11,,,I,?,I.r,Lt,11,,,11.311.11 1.1114 Ill, 111-1 L ,fll,,,111, „111.11.,,.t„?1G.„,I,L,IJI 3542652000874014 D00330D 0107931 0006300 25 DETACH HERE 001.49911 6102 4007 440 7 .040421 P." I .# I K see ?&..I krfwwt mow.... YOM ACCOUNT IS OVER ITS CREDIT LIMM. Please PO fn mirpnam payment kled above elono with ft overGmit w"wim as won ae possible. Sta»nwlEDefe i, - etS34iLro 0812504 nA4t'td@4 C,*ft a Payrrwnb CfOnar4 • l53 OD ? =l Cmd, Lkw Aw s .vyti'k+e sa of mis(04 57,000.00 SOHO os C4Sh Arluwrcel FINMlbE D£"oe i S:Ob SO.w. t for Caan Ad,& sa4 of offrn 4 ',A?w,m?&bb;W Cr?e6 $0.00 NEW BALANCE M 527 26 3t 079.37 , . !?lS9R"1RTt?f1?r?C?#Il 90 Ba1p104 Avarape Daly Pwiack kw" % Finanos Grace Dally Balance RSW Raft (AM) Cim rrua Tames Sloedard PUdraao . Ounvnt Cyde 31.083.73 .0657%• 23:98%' $2130 Twm a Swwwd cash • CorraN Cyde 50100 :065770 23 69%' 50.00 Term 8 effis PtERGENT%J RATEVft bid ogde: 8Q% 'Tfiase n?tee aay Vverr For 24-0-r Au OMWd AMwt lNOmgfon..Ooue caA r.600.260.056t orvkA M at wwa00oft".com YOM a0munt b7 Rued by Providian Natrorl><i Sank, Tfton, NH. PAYMINT MRtIMW BALANCE AS OF AC OOUMT OM UNIT PAYMSNY 6 W,1102 1 NUMBER va ae. a4ro: taw.. Ix 7 a9a W32 takt/Dt ?a4 00 Ii.tOt Ot 5542-6520.OOB7-4014 w.a..l9Ch.W.4 Add- Dow ilf.. W- retk ntt AMOUNYDCkCa D(-W.. Weak inij ,..: _ $ nFQ?? ?? city, Show, . "Do"PLof.:_ wWk Pltm rr Msin Cri.eb Pfiy.Al. to crevlHsff ?e. ow P 4WROCESSINGSVCS. DEHORAiIL DOOMS DALLAS TX 75206-M7 x7 MEC ANI aBURG PA 170554W 4 'ttl?i'1'/11?f'ii'I1?1'ifi?It:ll?it llf i'I?i ll" 1 )) tt ff 1l?IlIr11.'?tll' 'I.JII.. Il'tM1,11411 Iffiil/111#1III... f/'I?flrlf lf'if'f?? 5542652000874014 0003400 0110284 0003300 25 MACH MERE .. p t COLAr"ll. Dolt 0007 140 T 040024 P.O. I Or t N 000 190M0 kapanam MOWN* YOUR ACCOUNT IS OVER ITS CREDIT LIMIT. Please pay ft minifTIM payment Hated above a1mg with the overktiii tl412a1D4 yOrgY?ta a Payments 538.00 i4 1?' S1,000ZO Cash At#anas Sa.00 of 08ttO+04 g 50.00 NEW 9AlANCIF Bi t 02 Sa ?4 W, 6atenw Cahpory IMPORTANT INFORMATION. SEE REVERSE SIDIL AW"o OaYyPerbfa Aneual % Finantla Grace Daily _Salas tce Rata Rata WIT) Chasse Terms StaridardPurchase-ouffwCyde S11000194 .0664%. 2409%' Wi.58 TermB Starldrd Coast - OXIO t Cyda $O.W 0664%' 2424%` $0.00 Term B ANWJAL PE lTAM RATE61is mum cww: 2&2n% "%-......-..._.. For 24140ii` AUarraled Aaoount IrdorMation, Islam cal / 800.250-0961 Or visa us at www.prgvW4 n.C*m Yom aCxamt is based by PMVWIan Nlstionai Bank, Tfi6on, NH. PAYMINT MOV"N UL0CEASOF A000UNr DUE DATE' PAYa1E11T 48fl8tlW NUMBER PB..a. MOM calK TX ?now= olitttN4 f?t•?.... $t.o78Ai 5542-&%0.wU 40t4 "Ob POW OIAWaw Mt..r bw 100...6e.A b* Arw c AMO fMTNCuMot...mmOrW.etW . Ci . C1[?QD ty: am . N moko ch6cka Py.LN to P.Wwh 000 PROVID" PROCESSING SVCS. P O BOX m"? DEBORAH L GRAHAM. r...f . . DALLAS TX 7S256.007 002 ALLENVIEW DR MECHANICSBURG PA 170658604 IL.?i?l,l,..Litt[,.,11.JL?.a.,tl?,tJ,.?ll .?LL..iIL??I h,.dlL..tIL?.ALL.LIT;1..tL?IL?.,L?tIL?1?J,1.,LII 5542852000874014 0003300 0107931 0006300 25 ? t tO1,rf.0t aN! ...) }ia 7 OipfYS ?ap 7 •! 1 • eYe ImpmtanC mmomme YOUR ACCOUNT IS OVER ITS CREDIT LIMIT, Ptaaw pay tlta rttiedmum paymom l above RW9 with the oveMim7t aff0imaaaee, aapossbc StallameM Date ?'>af$a.00 O&QW4 tlUel?fttl?(1?4 Crodls 8 Paymer t- P?Ol?mrChst ss+ 869.00 Crooatxw ?na. _?.. _ _ taWa? ii d n 6 4 S1.0DG-DO s CashAWances SD.DO - r+n aal 09Y7lSE1 At a SUO FHY11tICECHARGE' -+ S2t.96 'An4ble C-* for Cash Advances as of 06/25dY4 $0.00 NEW BALANCE - 51,0'9 31 I?t1? 30 *-we Dally Pabtlie Aeuwal % Rwvm Grow Da4r!'wattae Race Raba l tVfatrsaa Tams Biendatd Purchase • Q"m Cycle 51,063.73 .0557%, 23.84%• 52146 Term B SW* M Caah • Cunwo Cyda $0.00 .0657%, 23.99%' $0:00 Tam 8 ANSI PERC&fP 9 RATEdtia lx** coda: 23 89% Three rata may ran For 24-hour Aulesma;ed AtcouN Wormatioh, plaaaaCO 1.6W-2M0581. or visit us at www.pMvkkn.mm Your acMnt 10 taauad by Provkitan N90onat Swk Tikon, NH. PAYUIW liillWM OALANCE A8 OF ACCOUNT DUE DATE PAYMENT 1O/py$m NUMEER PO 11P..00m.ow..tx?"a4 ttrntgs 198.00 itA75At 5542$520-00!!7-4014 ,RA01. Ow#w NA001Rw a.iar ll,.. tlw PrlMOd1i11p ANOW ENDI OSEO Iw?b w aril.& 111) saoa.c?a H" Phlo c YAARa+11•• M NRb CMeks PRyabM to ProVAMr. .. ,__^ 111 PROVIDIAN PROCESSING SVCS. DEBORAH L GRAM M 111x1 P.O. BOX 110417 W2 ALLENVIEW DR DALLAS TX 75466.0487 MEGHANiCS"G PA 17055-iiD4 IIn.I«IIIn,101111111111.11.,.11.1111.1.1.1111.111111111111,1 1.,.1111..1111..1116,111.If,1„1111 Ill. 1.1,.t11..,f.Gll.l.tl 5542852000874014 0003300 0107581 0005000 25 DETACH HERE .. c EOLR/Nt 49f2 Ma 04C 7 141125 b... Y of 1 4 111 11171 1n?07faR1 Mewt1{?aa YOUR AMOUNT IS OVER ITS CREDIT umm Please Pay Ere rfMr1 alum payment 4toy apovve along n thh the overlimit FOR $11IM ERRORS AND IMP1VtTANTINFORMATION, SEE REVERSE SIDE. Baton" Oaiapory Av-ape Dally Pwhxft Armor % Fhow Once Dt . Briams Raa Ram (APgI Team Sto XWd PWchaee - Cw*M Cyda -$1,104.31 ,0871x1 24.44%' $22.87 Tam A Suwdm Caafl_CorrwKcydo $0.00 ..0871%' 24.,"' $0.00 Term B Your aacOM 15 baled by PmvWWn Na*mW Bank, 711101, NN. .. $t,ffGO.Ob CasAAdvartces 'AvapadWGfrldrtior Cash s as of I OrA 4 } $0.00 NEW BALANCE , it WW1 PAYMENT M JMMIHi. BALANCEASOF AODOUNT MXOATE. PAYMENT 11RWam NUMWA Pb a-SOM,ow.,hxr.R0642S 1t1201Ot i 1 961 p1 8 tR 5 f4 '/ 8? 2 7 aNreraO C.I?N Aft 404. Me 64s a w4t11,0,3 : . . „ r "' i .4©14 8 ?-?--•J AIrbUff D CUMV I_ Mw o, b" Inip Nan. ahsn. .. _.? _......_...._.,__YJ k P% n. -- N r aako Checks Payable Io PmvWlon - -.. -.-.... __ ..' ON PROVMN PROCESSING SVCS. P.a BOX 660487 DEBORAH EBORAH L GRAHAM 03321 CALLAS TX 75266407 ME0A"LLE S IBtNgGDRPA 17086.6804 5542652000874014 0003200 0106202 0003504 25 DETACH HERE .. a C f.41.a0601 4#92 0012 sea T oSll21 rye t ?i I hnpottantMaoapra ___v ,... YOUR ACCOLMT IS OVER ITS CREDIT LIMIT. Please pay the minimum paymem lisW above along with the ovorflmit amoum p Soon as ctossible. Haw you dwt* Q your FICO(tR) aeOi store lately? Register or log M toosyat wuw.Wovkkan.cnm to ctlsak your score. mako'paymem & more? Ieenrr,t a1- tllraalYQiM 11/2W04 CradiydPaymants x100 kw31,000.00 CaahAdvar>cu 50.00 fit 'f%1MGR Adlanaes u of t t /Xypt _ 80.00 NEW &41A4CE i 1.052 02 r.: t rum nru.trw Ef"KM AM IMPORTANT INPORMATNX;I. SEE REVERSE 31DE. 8aisntllr Calagoity ?wage Oak Periodic: Annual % Finance Grace DWAr Iial- - Rata (APRs charm Torma Ste ftM P?xcirpa • Current Cycle $1.076.83 4876%` 24.74%' 321.21 Term A SWdWd Can • Crakes Cycle $0.06 M78%* 24.74%' $0.00 Term a ANMJAL P63iCtDRAto11E RMIna 4rainfl orcla' 28 x976 Tape rate maw very. ?'2f?tclxAtalptnrNedArotrumkdorn+aWn,pieapcat:1.80?28p•D681orrfstt y:atrwrw prorr)tan taom . YOW SOCOU t is W4U*d by PronkHan Nati WW Bank. Tilt, WH . , PAYMBIff M ON" 84AWMASOF AOCDUNT OUEOATE PAYMENT 12R81E001 NiRNER PO aei 099rY9.(hM.y7. iSCp6-0tlY 0t/f6A6 ?.: 51,619,87 5642-064-now-4014 M909 pmre99raaaw e919w prr9 ilu99ra4driK1 AMOUNT ENCUMD.I- Mw n M9ra 1,04 Glr:: ` ._...... _ SN,, zw. $C C1C1©1-10 ,.YPnat.. 7aY_. _..._....... N MsM Choke Payable ro Prov10Mn _..._.._............. . Do FAAM._.._._..,-___.,....._..._____.._.___.. PROVIDIAN PROCESSING SVCS. DEBORAH L 08AMAM tY591 P,O. BOX 660e97 902 ALLENVIEW DA DALLAS TX 752664487 MECHANICSBURG PA 17055.6604 IlrrrlrirLrilrlriLrrllallrrrrlrrlfrrLL,rllrrldrrrlllurl I`rrrifir,rlllrr011,11 rErlnLr1itIll.- ulil rr.Jr6rir11 5542852000874014 0043200 0104647 0003500 25 DErAON:NEAE p p COA9991 1972 9017 546 1 Wiles P.O. 1 69 1 N 99a 92993 '"'"Funr mess"es YOt1Pt ACCOUNT IS OVER ITS CREDIT LIMIT. Ptcass pay the minimum payment listed above a" with the ovorfimit amount as soon aapossible. Have you tnadred yaw FICO(R) credl scorn lately? Register of Log in today a! www.prov dian.eom to check your score, make paym ento& moral ,Ba1ax!t.NegOly A verfts Deity Pariodk Annual % ' lrirN ce Gnaw Day Saiamtr Rana Raft (APR) ChIlMIN; Term Standard Purchase, Cun nt Cycle $1,067,96 .0685%' 24.9916- S21.95 Term A Siandaid Cato - Ctmsnt Cycle $0.00 .005%` 24.98%' $0.00 Term B Ate„ PERCEN 80 RAT50 ttillingoyda: 2436% "Iheq rates mar vary. FortsppurAuiors tad t?countiMOmtaYen.please=X'7-tW0.2t 0661 or visit us at www.proviWtn.com YO- WIDUnt Y Tamed by Pmvkkn MatimW Bank, Tinton, NH `?baF '95423&-tOtis Pnswcta? ti?urrae 49'.9962492 S41nrW9Data ;yy 12123/64 Credo &Payments 536.60 ?ilxoa_ r dtie * lb 1*46 OtberCtlaegac t 4006 -Orefit Lime _ 51.666.60 Cash Advances MOO _ -, s 61YR1J?1CiE 31.95 Avti* {' ft*t1or?Ca?slt AAddvarres?asa oft 223r0a $0.66 NEW BALANCE P'AYM@R. MINIMUM aAIANGF AS OF Af.' Ir MME DATE PAYMeW et45 NUM9ER P.CI is GROW, eM.c Ta 16104M tWYt1? f32.a0 44.040.99 5542-8520-0087.4011. MIwU.CNOW of Adboos 9ebr-0ers how w arerk boo . AMOUerr WeLoeeo Pow Meer Wet feM sF-TTI -FIFO City: y N Make Checks PXY.ole to PFWA W„ 000 PROVIDIAN PROCESSING P 1t 0e OR 110454 ALRL L WHAM 9 p BD 6i 97 DALLAS TX 76268-W7 02 EW MEOMANICS$URG PA 170554607 111.1.1lIll, LL,,It,rLt,., 1t1. ,l 5542852000674014 0003200 0104099 0003200 25 DETACH HERE C c"tt4r 410E Goes -a" T 45012S ?.t. I r 1 M e4e .4054 Impwwt MsaUOss YOURACCOUNT iS OVER rr$ CREDIT LIMIT. Islas" pay Me rnWmum payrnoni Ibted above along with ft overlirtot smaul aat;owt as poasAte. ICs 2005, do you know vdtst your credit sco s is? To check your F100 (C) credt scare for free. log in to www.pmvid)an.com todwO lsrsi lltCrne 01125" Credtsa Pa 531.E Crer9tIS?s St.ODD-00 Cash Advances $004 vrwaset03Q565 X000 F1KOZECOAME + S24A2 Avai bW COP M to Cas.ti Ad a,, ¢ a G :.7.5.95 $0.04 NEW BALANCE H. St,0a0 94 ,41i• 33 Treuruuleru FOR SUA Miii l 9MRS AND iMPORTANTINFORMATION, SEE REVERSE SICE .BaI4ROS fbpsgay Avaap9 Daft' PWbft Antrual % Fins" Orsos --- Dabaskum Aab amm _Charaes Tams StarderdPurdme-Current Cyde 31;051.91 .0692X' 23.24%* SU.02 TermA Standard Gash. f„ arerd cycle $0.00 .O6S 2%* 2524%• 110.00 Term a APB. PM7lCliNfAt3E RATE81is tX4kV MW; VAP% 'Thass rates mar vary. For 26416W AuWMAW AoaoW hltornration, Islam call 1400-21*0661 or vial us at rrwar.provkkn.com Your accptint Is iauad by Pnxrkkn NaWnW Sank. Tifton, NN. PAYMENT MINIAGN BALANCE. AS OF ACCOUNT DUS DATE PAVMENi OVUM= NLAWER ao G. w0422.0olok rx rmoaom pt oo ;i.oEti le 5542-8520.0067-4074 4dfwt. Cl.?a?9 OtA04ax alt.. fr..ow. ar GhA trop , AMOUNT EMCWMD.twa kW99. boat I.k7 Am"le co , AM $ DOOMED t Hb Phan: ,_,,, .-.... ._.... ._.._.- __ ....? N Make Cheeks Paymbb TO Pro9lehrt 000 PROW)IAN PROCESSING SVCS. DE90 }i LGRAHAM 9s99 t ALT c P.O. BOX 680f87 DALLAS TXISM1)6.0481 tr+ ME++CtHtANICS= `` PA 11055.18xr6% ??t H?r'r'Hl?i't?irrl'?rr?'ar Yr1l???r rla?rrl ?'H???arl lllprl Illll'Ia 111"flril?'r l?t?l1ll?HFir /?1Hlrlrtl?It itflll7 u1r?? 5542852000674014 0003100 0102169 0004000 25 1 DETACH HERE e COLN9ee7 Selz poll poi 7 SSerz3 P... a7 t x see 9397. YOUR ACCOUNT IS OVER ITS CREDIT LIMIT, Please pay the mimmum payrnar# liwvd above alDrq w tt! the overFm', im0UM s am as POONA, c?u a w.?er,? - s4o:oo Cash A&AW"s $0;00 a ? 3 1. 1 mirm NEW BALANCE TOR BILLING ERRORS AND IMPORTANTINFORMATION, SEE REVERSE SIDE. 'Selena Caitipopy Avalapr Daly Periodic Annual % Finance Gran DdM Balance RW Ra fAPR) C!--A" T*mw Shndard PurdWM - Currant Cyde 41,041 A6 .0682%• 25.24%' $20.90 Term A Shr4W Cub • Ounant C yde 80.00 0692R' 2524%• $0.00 Term a AWAJAL ENOW"E RATEtIae tliNMO cyda S 'These raw may vary. For 24 AMOnOW AOaoun Wat-Non, Phase ca t-M*260.0561 al vises w at wyw.provldlan eOm . VOW 111100040d IS iaaued by PmvkAan National Bark THklna NH. PAYMENT MWO M SALANMA90F ACCOUNT DUE DATE PAYMElR 03452ab5 W.IWER ra.ewarom,(a1. T1I7eaaaa3 04R1fi6 pt.oo p,6nc4o 5542-8520-M7-014 b%%WCIlwwwl'-1 a0 0m4wtw*lt1w.N.* }. 3E G w .abbe( leq 0 ( AUMMT ENCL 7 ? - - ? { ?(r - __-- 1 @ EDI 1t IJ [ ,V Or l k - tan. wa,», ,_._.._? _.....:...._.........MLa'Lt?amc_.: N Maki hotim Poyabbte to PraNdmn _._?...?._......,..._.... ono PROVIDIAN PROCESSING SVCS. DE110RAM L GRAHAM 4x300 P.O, W X 880487 902 ALLENV "- DR DALLAS TX 15268.0467 ) MECHANICSSURG PA 17055.8604 11 ,1# 1# I #11,1111.11,11"/,111.111„ 11,11111,1??1f1,111t11111?1 1.,1111.,1111M.1111111itlilin??a11.,111nIll- 1.I'll.I'll 5542852000874014 0003100 0501240 0003100 25 DETACH MERE t"1611 ell= HiY 346 7 1S1m pm 1 11. 1 N a" 41311. ftw~ulooollmoft YOUR ACCOUNT IS OVER rTS CREDrT LW, Pleas pay ft rr (4mwn paymantIWWd above alwg wit the evedimit amcumasal4naspmo w. PLEASE ALSO REVIEW AND KEEP THE ENCLOSED IMPORTANT LEGAL NOTICE OF CFWNGES TO YOUR ACCOUNT AGREEMENT PLEASE SEE T4E ENCLOSED IMPORTANTLEGAL NOTICE OF CHANGES TO THE ARSITHATION PROVISION OF YOUR ACCOUNT AGREEMENT AND A COPY OF PROVIDIAN'S PRIVACY POLICY. PLEASE READ THESE CAREFULLY AND KEEP THEM FOR YOUR RJE COROS, Aaaourtt Swrlrnary SaNni«1rDaea 03M5xY CreditsbPaante 53100 ,NFL@> ? ? : ? ?? H :. dtbt7,1 r. 6?a6?StpQ>t - jO:AO. Cooo Lino S' .300.00 Cash Advances s .» At/ bRCK(BFIarCUl1A¢?fw?ii{0(09125i05 80.00 NEW EALANCE - s' 012.40 FOR BUM ERRDRS AM IMPORTANT INFORMATION, SEE REVERSE SW teaNtna Cabo" A-rape Dally Pw*k Annaal % Finance Grad ow Hsiang $aS>g? Rate APR) Charon Tama Stoderd Pwchaso Currant Cycle $1.027.12 .0698%, 25.49x' $21.51 Term A SWW T4 Oasl1- Currant Cycle $0100 05985:' 25.49%' s0.00 Term 5 ANNUILL PERC®i7A6E RATEUtia tlitlim l cedes 25.18% 'The se rates may vary. for 24-hour AUMMOWAC OuM Wwmation.. pteaee ca81.8t I'J0'1-M4561 or vigil ua at aww.pro en.eom Ywtr awm t H %&Ad by Pmvkkn Na6mal Hank, TRDn. NH, PAYMENT MWIMMlM RAtANMASOF AOCOLWT OW DATE PAYMENT 0095+20415 NUMBER ao a,. eaeiss,Dw.Txteeaeaua ?J t1,1Des7 5542.8520-M7-4014 ref,>M. C2.nae d Aea.« aelw. pr tew ori*tk Mq AMOWT 2140WatD 6- Mw o. Olled into Add- A,, N MW Checks Payable to Providlan Wen PAeM: MYaM. FAane. ow 6dMA: _ PROMO" PROCESSING SVCS. DEBORAH L GRAHAM 4141440 P.O. sm "W7 190"1 ALIENVtEW DR DALLAS TX 75266-0487 M! CHANICSBUt1a PA 1705S$504 „IL,„hJI,.L1,1,1I,?l,I,,,IIt„.i 11 5542652000874014 00065`00 0110887 0003100 25 OETACH HERE p c COLR91e1 6042 e?ee *4e 7 OSi42S P.O. 1. .r 1 N too 44.441 YOUR ACCOUNT IS PAST DUE AND OVER n'S CAeW LIMIT. Pis*" Pay Ow mWmtsn payment iistad above along wdh ttteover"tamountM tyacalusatt-#1p-2W9441. The Wft$L S"I" Way to manage your account - online! Pay your hill. change your addtess, order statements and mote. Itk lM.e 111,0W.00 Cash Advances $0.00 ! - ' r " "> " t2 tt Available Or*& for Cash Advanoea as er 0A,-2S p5 50.00 NEW BALANCE s ., Ot.l;7 Avarape Ddty Pefaft AinnUat % Finance Grace R* Rao Rift tAPFO on" Tm-- Sw wd Purchase- Current Cycle S1,0915:21 .070576' 25.74%' 522:47 T®m, A Standard Cash • Cwtant Cycle WOO 31705X' 25.74%" $0:00 Term a pIxRGEIlfl4fs RATEth1s WaF,p eerie' 118.2256 'Thew rat" may van. For 94-fwwAuWm#tadAoo"Y4orm uon,pie wcall 1.800.28D.0561 or vet us at www.pmvid m.com Your aomurtt IB W*M by Pmvkkn Nallond Bards, Man NW. PAYMBYT MBIWW BALANCE AS Of ACCOUNT DUE DATE PAVMEN'T 04 NUMBER PO s.. am- 0.4ok rx rs ? se6 eD S1,iD0.R 5542-8520-0087-4014 MMlew.L`6vrre.N AWwy Mryw Nr6 iM yr W W i+q AMOWR.O CL.ORD tws Mvo v bbN rnMi _ slow: Zi.. $C?C]Cl?[ N Make =* &a Perabrl LO PraWdpn lMrvi P66.y: .•_....:._,_..__..Y14rds`Pe6nc 000 PROVIDIAN PROCESSING SVCS. DEBORAH L GRAHAM 68us P.O. box wow 902 ALLENVIEW OR DALLAS TX 75286.0487 {{ r r (MEC HAr+IWBURGPA 17055.8604 ( ff It IIIUi?r l?l?f tl jj/lj l'r if j.??lrl? INr''jrirj"i,r t?r?tij ljl'r/j11I'l r'?:u rYjrr'j?Yr iirlr?tlrr ?t 5542852000674014 0006500 0110687 000.3100 25 DETACH HERE y c mallet 6612 1066 646 r 6364t$ Pay. I r L N 66E 66.46 ..?? ImmPacbmu"swes YOUR ACCOUNT IS PAST DUE AND OVER ITS CREDIT LIMIT. Please pay ft mhmum paymem rated above a" with 0n overW mnowlimnadW* or cal us of l-8pt 28P9441. The 1431041t 400ite) way to m~ your account- onNnel Pay YDW bin, criar4pYOW adddren, Order Matements and more, tt? jute a dick away at www4 rwickan;eam 0445N5 Croft It Pa nront6 SD ao $1 000.00 Cash AdvanDe4 5000 e5aaar1425105 $0.00 NEW BALANCE - e` .Banta orris tr Auwape DORY Pwloalc Annual % Finanos ontoo Dalhr owartDa Rate ftmm own" Standard Purchase • Cwrom Cycle $1,7'821 .0705%' 25.74%' $22.47 Term A Staldar d Csetl • C?xrrrerrt Gyde $0 00 A705%. 25.74%' S0,00 Term 8 ANW RAT BLis kri8ing acyDft: 2S 22lI. *Tbm robs nay way. For St•hOWALMmM"dA*WuMWwnatbn.glape agi-IM290.0561 orviOuset www;previenan.$cn Yom m da- In kmW by ProvIftit Na*mW Bw*, TVbn. NH. IMALANCE AB PAYMENT MINIMUM Or125A2 DUE DATE PAYMENT ACCOUNT NUMBER 5542-8520-0087-4014 1400.70 21,2002 S27A0 C1 InMeaw chanp of addro" on bat* PROVIDIAN MASTERCARD 1110406,111040111114 r1„I,L1,r01,I,uILI,L,0,1101rL,1 r,rl PROVIDIAN MASTERCARD Ploase be sure PO BOX 8639 , f this address appears MANCHESTER NH 03108-9539 in the window. I,19111,,,1110„d,l'„1.101,x(0,[1„l Is mllr111n,0r1,1„l, q' page Iof I DEBORAH L GRAHAM 000000 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 55428520008740140002700009007000000 AMOUNT ENCLOSM MWW Checks Payable to ProvWan Your account is issued-try P-rvviafa-n Natianef fSank Ti.lttiri, MFi--------------------- oETACH IF - IMPORTANT NOTICE: We we amending your Account A4reement as explained below. Please read this notice carefultr and keep A for yaur nkoMS. APPLICATION OF PAYMENTS: Etf clhra September 1, 2002, ptrwa will be applied rlratto nuance charges and tees, then to the balance type with the lowest APR, urd liar balance type has been paid, end Own to the balance typo with the nmR lowest APR, urd that belantte Wn has been paid, and so on, until all balance lypea have been paid. Exarnplss of lieh Ica types' in We Gash AdAme aril Purchase Balances. PROV10tAlh1 MASTERCARD TRANSACTIONS Poe! Drte Dmcd Trans Date Referentq Number Amount 07-OIPAYMENT RECEIVED -- THANK YOU 07-01 75417282342450857180187 0000 976.40 PY 07-12PAYMENT RECEIVED -- THANK YOU 07-12 75417282193450665102891 0000 6.55 FY 07-14TURKEY-HILL #0240 MECHANICSBURG PA 07-13 23444002196467714874135 5541 2.04 07-24MECHANICBURG CARPET MA MECHANICSBURG PA 07-22 9242979220412OZO2610163 S713 878.32 07-25WAL MART MECHANICSSUR PA 07-23 704838222053108384T2449 5310 14.65 FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER SW-852"014014 Previous Balance $982.95 Days in Billing Cycle 30 - CPedtts .00 Statement Date 07125102 - Payments 982.95 Minimum Payment $27.00 + Purchases & Other Charges 895.41 Payment Due Date 08121102 • Cash Advances .00 t PMIANCE CHARGE. GE: Credit Una 51,400.04 On ew C ea 4 Available Credit as of Statement Date $99.34 ? + Lau ,0 Available Credit for Cash Advances as of Statement Date $99.30 = NEW BALANCE $900.70 Average ANNUAL Daily Type of Balance Daily PERCENTAGE Periodic Balance RA TI? Rate Purchase 5288.68 23.99% 066720% Cash Advance $.00 23.99% .065M% For 24-hour Automated Account Information, call 1-800-3613.0011 or visit us at www.providianonilne.com. J 004300000 Me, 1340 BALANCE AS PAYMENT MINIMUM OF'.ofifn F DUE DATE PAYMENT AMOUNT ENCLOSEn. III 5542-8520.•0087-4014 (982.95 Ut,22,2002 529.E hn0exte change of address on WGk MakeMChsck Payable to Prov PROVIDIAN MASTERCARD PROVIDIAN MASTERCARD Posse be sure PO Box 9539 ? this aWress appears MANCHESTER NH 03108.9539 in the window. In,Ill,1,IIli, rjI,I„It1,lr,L.It..'i'trrr,L,HL.??rI,LrJ,LI Page Iof I DEBORAH L GRAHAM ODM 902 ALLLNVIEW DR MECHANICSBURG PA 17055-8604 554285200087407,40002900009829500000 Your account is isauad'by Providian Waonal Bank, rlfor% Hti. - - - - - - - - - - - - - - - - - - -M- T-ACH NEpE 00 saw ilme - go nine to view your account la mmallm pay your bill, sign-up for 15-mall AWU, and MOM. Msii www.prOVldianoti8wmn todeyl TRANSACTIONS Post QWrigtion Trans Date Reference Number Amount 06-24PAYMENT RECEIVED -- THANK YOU 06-24 75417282175552009393233 0000 50.00 PY 04-24PHONE PAYMENT FEE 06-24 75417282175147173043273 0000 9.95 AVAILABLE CREOiT Your Total Available Credit Is $17.05 $17.05 of your Available Credit can be accessed for Cash Advances. The portion of your credit line that can be used for Gash Advances is limited to $1,000.00. FOR BILLING ERRORS AND IMPORTANT' INFORMATION, SEE REVERSE SIDE. Number of Days In Billing Cycle 28 Previous Balance $1,004.40 Account Number 5542 8520 0087 4014 • Credits .00 Purchase Cash Advance - payments 50.00 Average Credit Line$1,000 Purchases 3 Daily Balance $1,010.43 $.00 otter Charges .00 Available Credit $17.05 + Cash Advances .00 ANNUAL + FINANCE CHARGE: PERCEN7AGERATE 23,99% 23.99'% Minimum Payment Due $29.00 On Balances 18,60 Phone Payment Fee 9.95 Daily Periodic Rate .065726% .065726% Payment Due Data 07122102 Lath Charge .00 NEW BALANCE $982.95 ANNUAL PERCENTAGE RAT@his billing cycle . 33.91% 000300000 3665 A986 BALANCE AS PAYMENT MeaMUM OF OSIM2 WE DATE PAYMENT ACCOUNT NUMBER 5542-8520-0087-4014 51,1 4.40 t1N24,20? 53000 kwscaft change of address an back PROVIDIAN MASTERCARD PROVIOIAN MASTERCARD Please be sure PO Box 8539 .4 this address appears MANCHESTER NH 03108-9539 to the window. 1„$ III,,,ll1 1$IhI,,I.1 61 111.,lt„ I1141.111III1111101#10.1,11 Pagel oft DEBORAH L GRAHAM 000000 402 ALLENVIEW DR MECHANICSBURG PA 17055-8604 55426520008740140003000010044000000 AMOUNT ENCLOSED > eke Checks Payable to Provldian - Youl• account is issuedby Providtar: Na#ianal Bank, Tifton, NH. --- D-ET-ACH- HEfa---6 'J6- - MESSAGES FROM PROMM MASTOWARO YOUR ACCOUNT IS OVERLIMITI Your account balance is currently $4.40 over your approved credit limit. To avoid ad e t oW overlimit to", please pay the overlimit amount al ing with your current amount due. Mai ining an account balance below ytwr approved credit emit will keep your account in good standing and help you have access to credit when you need N. Saxe time - go online to view your accoUM in omtation, pay yciur bill, sign-up for E-mail Ahm and more. Visit www.MvAdianmlino.com ux*l TRANSAFRoNS Post Date Description Trans Oatg ference Number Amount 05-09PAYMENT RECEIVED -- THANK- YOU 05.09 754172821278.50859771567 DODO 60.04 PY DS-17WAL MART MECHANICSBURG PA D5-15 10483822136314104102338 5314 16.79 " AVAILABLE MEDlT " Your Total Available Credit Is $.00 $0.00 of your Available Credit can be accessed for Cash Advances. The portion of your credit line that can be used for Cash Advances Is limited to $1,000.00. FOR BILLING ERRORS AND IMPORTANT IN FORMATION, SEE REVERSE SIDE. A C'WNT OMMARY STATEMENT DATE ft-A 02 PAYMENT INFORMATION Number of Clays In Billing Cycle 32 Previous Balance $1,026.44 Account Number 5542 8620 0087 4014 - Credits .00 Purchase Cash Advance - Psyrnents 60.00 Average Credit Line " $1,000 Purchases & Daily Balance $1,006.52 $.00 Other charges 16.79 Available Credit $.00 + Cash Advances .00 ANNUAL + FlNAJor-ECHARGE: PERCENTAGERATE' 23.98% 23.99% Minimum Payment Due $30.00 On Balances 21.17 Late Charge .00 Daily Periodic Rate .0657269E .065726% Payment Due Date 06rM02 s NEW BALANCE $1,004;40 000300000 3686 A986 BALANCE AS PAYMEW MRAMUM ACCOUNT NUMBER dF:04AA Z DUE DATE PAYMENT AMOUNT E lCL.0,9E0 ----- 5542-8520-04117-4414 ;1;02644 Y23,2DPk^ S31.D0 is ? Indtm" manes of addrwx on bu* ??-. ks Payable to. PROVIDIAN MASTERCARD IIIkIII{1IIIIIIIIIIIIIIIIIIIII A I141111111111uIIIIIIIIIIIIIIII PROVIDIAN MASTERCARD Please be sure PO BOX 9539 4 this address appears MANCHESTER NH 031 W9539 in the window: IIIIIIIIIaII'IIIa1IIIIIIIIIIII114111111,u,11?11111,111111111i Page Iof1 DEBORAH L GRAHAM ODOM 402 ALLENVIEW DR MECHANtCSSURG PA 17055-8604 55428520008740140003100010264400000 - ------ ------------------------------------------- our account is issued by Pravidian National Bank, Tit#art, Nkl. DETACH HERE A YOUR ACCOUNT IS OVERLIMITi Your account balance is currently $26.44 over your approved credit limit. To avoid additional ovsrlinlit tees, please pay the. ovedimit amount along with your current amount due. Maintaining an Account balance below your approved credit limit will keep your account in good standing and help you have access to credit when you need it. TRANSACTIONS Pold Date DesdxBstion Trans Date Referento NmMjMr nt 04-22PAYMENT RECEIVED -- SHANK YOU 06-22 754.1728211256ZD75490860 0000 55.00 PY 04-23PNONE PAYMENT FEE 04-22 75417282113147113296404 0080 9.95 " ?Attt'I?eF C'RtED1T ¦.¦?.? Your Total Available Credit Is $.00 $0.00 of your Available Credit can be accessed for Cash Advances. The portion of your credit line that can be used for Cash Advances is limited to $1,000.00, FOR BILLING ERRORS AND IMPORTANT INFORMATION SEE REvEizsF clnF ACCOUNT SUMMARY STATEMENT DATE 041266-2 PA ENT INFORMATION Number of Days In Billing Cycle 30 Previous Balance edit - C $1,060.72 Account Number 5542 6520 0067 4014 r s .00 Purchase Cash Advance - Payments 55.00 Average Credit Line 000 81 + Purchases b Daily Balance $1.053.20 $.00 , other Charges + Cash Advances .00 .00 ANNUAL Available Credit 8.00 + FWANCE CHARGE. PERCENTAGER4rE 23.95% 23.99% Minimum Payment Due $31 00 On Balances 20.77 . Phone Payment Fee 9.05 Daily Periodic Rate .065726% .0657264E Payment Due Date O&7WO2 + Labs Charge .00 = NEW BALANCE 81,026.44 ANNUAL PERC.EWAOE RATahis billing cycle nnnnnwneu. ?e..w ...¦? 35.00% BALANCE AS PAYMENT MIMMUM OF 09127102 DUE ATE. PAYMENT AMOUNT ENCLOSED. 5542 ACCOUNT NUMBER -8520-0087-4014 5542 D 3t,D5D.72 RT3,20OY ? 332.40 $ h b f addr k ? Nd Make Chocks Payabteto icafs c aata o ess on ac Prowidian PROVIDIAN MASTERCARD IIIIIIIIIII1411111111I I,1 1 111 a I I I I * I I I I I I Ir1ItIIIIII,I11u. I PRCWIDIAN MASTERCARD Please be sum PO BOX 9526 this address appears MANCHESTER NH 03106.9539 in the window. I.,, ll???lII,.1.1rt?J1LI1?1?.111,It1s„I„III,„1,1,1„1,11 Pagelofl DEBORAH L GRAHAM 000WQ 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 55428520008740140003200010507200000 Yotlr aiCz;U- t Is issued by Providian Natloatal Bank, Tilton, -fig --------------------- DETACH W- R-E A YOUR ACCOUNT IS OVERUMITI Your account balance is currently $50.72 over your approved credit Pamir. To avoid additional overtimit fees, please pay the overtimit amount along with your current amount due. MainWning an account balance below your approved credit limit will keep your account in good standing and help you have access to credit when you need it. FEDERAL TRUTH IN LENDING DISCLOSURES UPON RENEWAL OF ANNUAL FEE SEE REVERSE FOR IMPORTANT INFORMATION TRANSACTIONS Post Uaito Descl! ion Trans Date Reference -Number Amount 03-21PAYMENT RECEIVED THANK YOU 03-21 75417202009950957050310 0000 35.00 PY 03-27ANNUAL PEE 03-27 0000 59.00 "` AYAL.f t C12EDIT - Your Total Available Credit is $.00 "• $0.00 of your Available Credit can be accessed for Cash Advances. - The portion of your credit time that can be used for Cash Advances Is limited to $1,000.00. FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY STATEMENT DATE =Z7102 PAYMENT INFORMATION Number of Days in Bitting Cycle 30 Previous Balance 11,006.80 Account Number 5542 8520 0067 4014 - Credits .00 Purchase Cash Advance - Payments 35.00 Average Credit line " $1,000 + Purchases & Daily Balance 11,010.17 .00 1 other Charges 59.00 . Available Credit 1.00 + Cash Advances .00 ANNUAL + FINANCE CHARGE: PERCENTAGE RATE 23.99% 23.99% Minimum Payment Due $32.00 On Balances 19.92 + Lett Charge 00 Daily Periodic Rate .065726% .065726% Payment Due Date 0423!02 = NEW BALANCE 51,050.72 uwvwwv .3000 suv0o BALANCE. AS PAYMENT MINIMUM ?. ACCOUNT laiM R OF 07QM2 DUE DATE PAYMENT AMOUNT ENCLOSED r 5542.-8520-0.087-4014 1; 1 s1,oo6.so 2a,?o2 sso.oo ? kulicar change of address an tack PMrake Ci hecks Payable to PROVIDIAAN MASTERCARD III.tutill I ullllrtrlttlrlrl.,.lrlrrtll,irlrr;.ILi.h.lirr l PROVIDiAN MASTERCARD Please be sure PO BOX 9539 .4 this address appears MANCHESTER NH 03108.9539 inthawindow. Itttitl.r.III....I.I?,ItI;lttlrrllrrilttt,lrtlllrrr,r tir,l,ll Page I Of I DEBORAH L GRAHAM 000000 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 55428520008740140003000010068000000 ---ir - Your account is issued by Prtavidian. Nations! Bank, Tilton, Nt. ------------ DE'-AC ri- ER--E J"- - MESSAGES FROM PROVIDIAN MASTERCARD YOUR ACCOUNT IS OVERLIMITI Your account balance is currently $6.80 over your approved credit limit. To avoid additional ovedimit fees. please pay the overtimit amount along with your current amount due. Maintaining an account balance below your approved credit limit will keep your account in good standing and help you have access to credit when you need it. Please NOW, in your D-OrAW 2001 bWbV statanter t we sent you an imponant Notice of Ching" to year AOCQtMIt Agf+liWMt the2 kKkK sd a paraprapit setting that yorrr Arnwat Parmenta0e Res (APR) was gotnp m be increased. That section of the No** a iimmict and does not a^* to your Account. We 111000bo for 9" inoonvW ile >ce or cotrhalmn that this may have caused. All other ton. stated In the Notice wig apply. TRANSAFnon Poet Data Description Trans Date. Reference Number Amount No Activity This Month AVAILABLE CREtNt Your Total Available Credit Is $.00 $0.00 of your Available Credit can be accessed for Cash Advances. The portion of your credit tine that can be used for Cash Advances is limited to $1,000.00.. FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. Number of Days In Billing Cycle 31 - Previous Balance $1,008.80 Account Number 5542 8520 0087 4014 - Credits .00 Purchase Cash Advance payments ? 00 Credit Line ?' 41 000 + 3 Purchases Daily Balance $.00 $:00 , other A .00 Available Credit 00 $ + Cash ces .00 ANNUAL . + Ff MNCE CHARGE. PERCENTAGE RATE 23.99% 23.99% Minimum Payment Due $30 00 On Balances .00 . + Late Charge 00 Daily Periodic Rats .065726% .065726% Payment Due Darte 03PMM2 = NEW BALANCE ----------- ---- 511006.50 BALANCE AS PAYMENT N*"UM I OF 01125702 DUE DATE PAYMENT AMOUNT ENCLOSED ACCOUNT NUMBER 5542-8520-0067-4014 51,006.80 DEFERRED i00 fa MdW*a h.. p of d**".Ifech ew Ghecim Pa"ble to P dlan PROVIDIAN MASTERCARD III,,,..I oil [fill III PROVIDIAN MASTERCARD Piss be sure PO Box 9539 this address appears MANCHESTER NH 0310$9539 In the window; 1.11111,,,111, Pagel oft DEBORAH L GRAHAM 00=0 902 ALLENVIEW DR NECHANICSBURG PA 17055-8604 55428520008740140000000010068000000 --- --------------- --- ---------------- ------ Youir account 1s issued tsy Providian N?ionai Bank, Tllfott, NIi--------------------- . DETACH r?itE YOUR ACCOUNT IS CURRENTLY UNDER CREDIT PROTECTION ACTIVATION. PAYMENT A NOT DUE AT THIS TIME. TRANSACTIONS Pot Date Description Trans Oate Reference Number Amount No Activity This Month. AVAILM CRED(T Your Total Available Credit Is S.00 *`* $0.00 of your Available Credit can be accessed for Cash Advances. The portion of your credit line that can be used for Cash Advances Is ibnited to $11,000.00: Previous Balance Credits - Payments Purchases 6 other Charges ? Cash Advances + FNNANCE CHARGE. On Balances 4 Cate Charge = NEW BALANCE 000000000 3896 A15, FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. Number of Days In Bitting Cycle 30 $1.006.60 Account Number 5543 6520 0087 4014 .00 Purchase Cash Advance .00 Average Credit Line $1,000 Daily Balance 5:00 $.00 .00 Available Credit ""• 5.00 .00 ANNUAL !'ERCENTAGERATE 23.99% 23.99% Minimum Payment Due $.00 .00 Daily Periodic Rate .06572076 .065726% Payment Due Date DEFERRED BALANCE AS PAYMENT MINIMUM OF 1112VOI DUE DATE. PAYMENT AMOUNT ENCLOSED ACCOUNT NUMBER 5542-8520-0087-4014 31,OOS.80 DEFERRED i.0ll 0 IrIftAe CNInp at address On back Mare Checks Payable to Providtan PROVIDIAN MASTERCARD ]III roIIIIIIIIIII rrit,?11lIII„(IIrIIIIIIIIIIiIIIIIIIIIiLIJ PROVtDUW MASTERCARD Please be sure PO BOX 9m this address appears MANCHESTER NHI 03108-9539 in the window. III,IIIHIIIt?I?El?lnl?trlrIIIIIIuItnIIIIIIlhr464111„1111 PagoIof I DEBORAH L GRAHAM DO0000 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 55428520008740140000000010068000(]00 Your account is isa`uod by Frovid[8n '6wlo tal Bank, Tlton, fai: - - - - - - - - - - - - - - - - - -oeTacli i,Ea- i- - MESSA eS FROM PROVWKM MAST'E'tCARD YOUR ACCOUNT IS CURRENTLY UNDER CREDIT PROTECTION ACTIVATION. PAYMENT 6 NOT DUE AT THt8'nME. TRANSAFONS Post Data Dos¢rption Trans ate Reference Number Amours# No Activity This Month '?' AV E Your Total Available Credit is $.00 $0.00 of your Available Credit can be accessed for Cash Advances. The portion of your credit line that can be used for Cash Advances is limited to $1,000.00. FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. Number of Days In Bitting Cycle 33 Previous Balance $1,008.80 Account Number 5542 8520 0087 4014 - Credits .00 Purchase Cash Advance - Payrnsnts .00 Average Credit Line " $1,000 + Purchases & Daily Balance $.00 $.00 other Charges .00 Available Credit" $.00 + Cash Advances .00 ANNUAL • PJMANCECHARGE : PERCENTAGERATE 23.99% 23.99% Minimum Payment Due S.00 On Balances .00 • Late Charge .00 Daily Periodic Rate .06$726% .065726% Payment Due Date DEFERRE = NEW BALANCE $1,006.80 rv..v..vwY ..wv -1.4 BALAMM AS PAYMENT' MINIMUM ACCOUNT NUMBER OF 101201 DUE PATE PAYMENT AMOUNT ENCLOSW 5542-8520-OOa7-4014 S1ODB.SO DEFERRED [ Indioab changt w ad*,.$ an batik Mslw Checks Payable to PROVIDIAN MASTERCARD Providian !111,,,,11,1,~Ilil,,,I,.1,11f,.,1,1,1,1L1/L,1,1L1,1„II„J PROVIDIAN MASTERCARD Please be sure PO BOX 9539 . f this address appears MANCHESTER NH 03108.9539 in the window. 1.11 11111 a 111111114Ju101111#IIaIIlm.,,,1111C1„,,,1?1?„1,11 PageI oft DEBORAH L GRAHAM 000000 902 ALLENVIEW DR MECHANICSBURG PA: 17055-8804 5542852000874014oaoOOODD10068000000 if 6ui account is Issued by F'rovh l- it Nailenal Wail T Tilton, NIT.- -------------------D-" - - i MESSAGES FROM PROVOLAN MASTERCARD YOUR ACCOUNT IS CURRENTLY UNDER CREDIT PROTECTION ACTIVATION. PLEASE DISREGARD THE MINIMUM PAYMENT AMOUNT ASOVE, PAYMENT IS NOT DUE AT THIS TIME. TRAMAC71ONS Past Date Description Trans Date Reference Number Amount No Activity This Month Your Tout Available Credit is $.00 $0.08 of your Available Credit can be accessed far Gash Advances. The portion of your credit line that can be used for Cash Advances is limited to $1,000.00. FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY STATEMENT DATE 10125/01 PAYMENT INFORMATION Dumber of Bays in Billing Cycle 30 Previous Balance Credits $1,008.80 00 Account Number 5542 8520 0087 4014 Payments . .00 Purchase Ca Average sh Advance Credit Line ** $1 000 + Purchases g Daily Balance $:00 0.00 , other + Cash Advances .00 .00 ANNUAL Available Credit" $.pO F#MNCE CHARGE: On Balanc PERCEAfTAGE RATE 23.99% 23.99% Minimum Payment Due E.00 es + Late Charge = NEW BALANCE MAAArt A...en .... .00 .00 $1,008.80 Daily Periodic Rate .065728% .065726% Payment Due Date DEFERRED BALANCE AS PAYMENT M""UM OF OW25MI We DATE PAYMENT AMOUNT ENCLOSER ACCOUNT NUMBER 5542.-8520»0087-4014 ;1,406.80 ,DEFERRED S-D0 1$ ata chan >nr9 e of address an back C3 Blake Checks Payable to . c g Providlan PROVIDIAN MASTERCARD Illyrrrrllrrrrllll,.,IIkII1111r/111aI IIIIC IarllrtrllrllrL41 Pitmnp[AN MASTERCARD Pkasa be sure PO BOX 900 this address appears MANCHESTER NH 03108.9539 in 0w wkxk w. Irrr11 lrrr11 lrr,.Irlr,1,Ll,,IrrNr,Ihr,rL?Ilhrurlrlrtl,ll Pagel ofl DEBORAH L GRAHAM Gomm 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 55428520008740140000000010068000000 Your account is issued-b_y Providi n NatlonaI Bank, Tilton, NH. - - - - - - - - - - - - - - - - - - -D_UAC, ,?R _X - MESSAGES FROM PROVIOIAN MASTERCARD YOUR ACCOUNT IS CURRENTLY UNDER CREDIT PROTECTION ACTIVATION. PLEASE DISREGARD THE MINIMUM PAYMENT AMOUNT ABOVE. PAYMENT IS NOT DUE AT THIS TIME. Please read the andosed notice rogwdkV ehanpb to our PgSMan 0 3e1akse. TRANSACTIONS Pte, tail Data Description Trans Date Reference Number Amour No Activity This Month " AVNMLE CREDIT Your Total Available Credit Is $.DO $0.00 of your Available Credit can be accessed for Cash Advances. The portion of your credit line that can be used for Cash Advances is limited to $1,000.00. FOR BILLING ERRORS AND IMPORTANT INFORMATION', SEE REVERSE SIDE. ACCOUNT SUMMARY STATEMENT DATE 097MI PAYMENT INFORMATION Number of Days in Silling Cycle 32 Previous Balance $1,006.80 Account Number 5542 SS20 0087 4014 - Credits .00 Purchase Cash Advarm - Paymsrds .00 Average Credit Line$1,000 + Purchases & Daily Balance 540 S.00 other Charges .00 Available Credit$.00 * Cash Advances .00 ANNUAL + FINANCE CHARGE; PERCENTAGE RATE 23.99% 23.99% Minimum Payment Due $.00 On Balances .00. + Late Charge .00 Daily Periodic Rate .065726% .065726% Payment Due Oats DEFERRED = NEW BALANCE 51,006:80 WWI4000e J050 AISI BALANCE AS PAYMENT MINIMUM OF 014241$11 DUE DATE PAYMENT /MOUNT ENCLOSED ACCOUNT NUMBER. 5542-8520-0087-4014 11.006.90 DEFERRED 1.00 0 ktftMs ctww of address an back ks Payable w Make PROVIDIAN MASTERCARD Pr ?M? ?Ilnrnll,rr,1.IlIr?rlnlr}rlnrlrl•r n.IlrlrlrnrlLrlrlr,Ilru1 PROVIDiAN MASTERCARD Please be sure PO BOX 953$ A Ihi address appears MANCHESTER NH 03108.9539 In the wintlow. I, , ,III,,rIItr„ri,tl,LlaIrrlrrll,r ll?rr,l„IIL?rrrl,Irri,fl Pagel ot1 DEBORAH L GRAHAM 000000 402 ALLENViEW DR MECHANICSBURG PA 17055-8604 55428520008740140000000010068000000 Xour account is 'issuedby Pcov-fd-fiti National Bank, Tiltrsri, NM-- - - - - - - - - - - - -oETACH- HERB ;0 - MESSAGES FfWM PROVIDIAN MASTERCARD YOUR ACCOUNT 13 CURRENTLY UNDER CREDIT PROTECTION ACTIVATION. PLEASE DISREGARD THE MINIMUM PAYMENT AMOUNT ABOVE. PAYMENT IS NOT DUE AT THIS TIME- TRANSACTIONS Post at8 Description Trans Date Reference Num§tr Amonnf No Activity This Month Your TOW Avallilible Credit is $.00 $0.00 of your Available GnWit can be accessed for Cash Advances. The portion of your credit line that can be used for Cash Advances is limited to $1,000.00. Previous Balance - Credits - Payments + Purchases S other Chuges Cash Advances i FINANCE CHARGE: On awances + Labe Charge NEW BALANCE FOR SILUNG ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE STATEMENT DATE -WV01 PAYMENT iNf-0fWATION Number of Days in Billing Cycle 30 $1,006.80 Account Number 5542 $520 0087 +4014 .00 Purchase Cash Advance .00 Average Credit Line" $1,000 Daily Balance $.D0 $.Do .00 Available Credit $.00 .00 ANNUAL PERCENTAGE RATE 23.99% 23,999E Minimum Payment Due $.Do .00 - --,00 Daily Periodic Rate .065726% 0857264E Payment Due Date DEFERRED 000000000 3686 Ala, BALANCE AS. PAYMENT MerarUM ?. or 07CM10t Due DATE PAYMENT AMOUNT BNCIQSE0 ACCOUNT 542520R 1?J ;1,006.80 REFEitRBR ;AO b542-852A-0087-4014 1$ Mdfcriachange of aGdrsuon back Wake Clerks Payable to Providian PROVIDIAN MASTERCARD PROVIDtAN MASTERCARD Pieaso be sure PO Box e579 , that address appears MANCHESTER NH 031 0 8-9 5 39 in the window. 1,,,III,,,II10„,111„IIIII,.II,11„11,1(,1„,&„IIil„I,I} Page Iof I DEBORAH L GRAHAM OODOOtI 402 ALLENVIEW DR MECHANICSBURG PA 17055-8604 55428520008740140003000010068000000 Your account is issued-Ny Oi6iidiarY National Bank, Titan, tali. - - - - - - - - - - - - - - - -DETACH MERE 0 MESSAGES FROM PROVID1AN MASTERCARi3 YOUR ACCOUNT Is CURRENTLY UNDER CREDIT PROTECTION ACTIVATION, PLEASE DISREGARD THE MINIMUM PAYMENT AMOUNT ABOVE. PAYMENT IS NOT DUE AT THIS TIME. T ACTICIN3 ft 9 DVAO DescrIP110n Trans Date Reference Number ount No Activity This Month - AVAMAM-LE CREDIT - Your Total Available Credit Is 11.00 ` $0.00 of your Available Credit can be accessed for Cash Advances. - The portion of your credit line that can be used for Cash Advances is limited to $1,000.00. FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. Number of Days in Billing Cycle 30 Pnevieus Balance $1,000.80 Account Number 5542 $528 0087 4014 - Credits .00 Purchase Cash Advance - Payments .00 Avw"o Credit Line $1,000 + Purchases b Daily Balance $.Do $.00 other Charg" .00 Available Credit 5.00 + Cash Advances .00 ANNt7AL FINANCE CHARGE: PE NTAGERATE 23.99% 23.99% Minimum Payment Due $.00 On Balances .00 + Late Chu" .00 Daily Periodic Rate .065726% .065726% Payment Due Date DEFERRED NEW BALANCE 311006180 000000M3686 A151 BALANCE A3. PAYMENT Nitwu* I. ACCOUNT NUMBER OF C0t25l01 DUE. DATE PAYMENT AMOUNT ENCLOSED 5542-8520-0087-4014 31,00680 UL 2O, 2001 330.00 ? Lndi¢aq chWW of uterus on back MakeProvtdiChecks Payable to PROYIDIAN MASTERCARD III1911tIIIIIIIIIIIIII14111AIIaIIaII I IIIIIIIII1411;IIIIIII11II PROVIDIAN MASTERCARD Pieasil be sure PO Box 9539 .4 this address appears MANCHESTER NH 03108.9539 ( t t in the window. IrIrIlllniiillI Ili rilltiJlillilllLl/I1RiilllillllrldhYi,ii Page 1of1 DEBORAH L GRAHAM 000000 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 55428520008740140003000010068000000 DETACH HM M MESSAtiES FROM PROVIDIAN MASTERCARD Your account is $8,80 over your $1,000.00 credit line. Wlhile your Award Agreement may mq*e you to flay oft ovetgrdt anwum we we Oil you the tlexibiity of paying only $30.00. Paying past this minknum due payment wig leave your account in an overgmit status. We encourage you to pay the additional $8.80 as soon as possible. TRANSACTIONS t t Descriotio, Trans Date Reference Number. Amour>k 06:11SHEETZ #201 MECHANICBURC PA 06-08 23483071160106074784512 5542 17.25 06-20PHOHE PAYMENT RECEIVED 06-19 75417281171650171308915 0000 60.00 PY 06-2SSHEETZ 0201 MECHANICIUR6 PA 06-23 23483071175117575054564 5541 16.28 06-25SHERTZ N201 ?t£CNANICBUR6 PA 06-23 23483071175117575055611 5542 24.60 "` AVAtLABI.E CefiEt3 Your "fatal Available Credit Is $.00 $0.00 of your Available Credit can be accessed for Cash Advances.. ** The portion of your credit line that can be used for Cash Advances is limited to $1,000.00. FOR BILL NG ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY STATEMENT DATE O6tz51t€1 PAYMENT INFORMATION Number of Days in Billing Cycle 31 Previous Balance $988.33 Account Number 5542 85200087 4014 - Credits AO Purchase Cash Advance Payments 60.00 Average Credit Line " $1,000 + Purchases 6 Daily Balance S998.50 $.Do other Charges 58,13 Available Credit $-00 + Cash Advances .00 ANNUAL + PWANCECHARGE: PERCEN7AGERA7E 23.399E 23.99% Minimum Payment Due $30.00 On Batences 20.34 + Labe Charge .00 Daily Periodic Rata _06572696 .0657269E, Payment Due Date 07120101 NEW BALANCE $1,006.80 WVWVWV 09" ^101 BALANCE AS PAYMENT UlM%WM ACCOUNT.NUMUR OF 031Mi DUE DATE PAYMENT AMOUNT ENCLOSED 5542-8520-0087-4014 Sstis.33 uNts;zool 530.00 1$ 13 Indicate charW of address on back Make Checks Payable to Providlan PROVIDtAN MASTERCARD 'I'.1lk111'11//N'??1llIIl III/I!lr?kN kl1?11t/l Ik/t ?.'1.?1111'7r11? PROVIDiAN MASTERCARD Please be sure PO BOX 0339 4 this address appears MANCHESTER NH {{0`31`05-9539 e !! in tM window. lilt 11111tiI'IIIIItlktlr3llH'Ik'Irklllkirtfrl?'IlrliNtll/IJII Page Iof I DEBORAH L GRAHAM 000000 402 ALLENVIEW DR MECHANICSBURG PA 17055-8604 55428520008740140003000009883300000 DETACH. HERE N BILL PAY ONLINE: SimPle, Safe, A Sawre. Pay up to 15 bilk per month with NO MONTHLY PEE for tM AM 2 owrttttr'Only 56:95hnon* after #%at. Each addf[onal payment is W $0.40. Sea haw easy it Is with our FREE TOUR at>wwwbillow4stwnartoom. LOOKM TO REFINANCE YOUR CURRENT MORTGAW? NEED CASH FOR HOME IMPROVEMENTS? C411 Fug Spedbvm Lerdkq t>N- "Wr/ ---1.1100-8148696--te find out if you quakYy. There's kw Cost orgftft when m calf, FuO Spectrum i skft Is a nwaber of the CoAyVywlds Fam9a. TRANSAC lO NS Post Date Descritatlotl Trans .mn Number Amount 05-16PAYMENT RECEIVED -- THANK YOU 05-16 754172e11'S6e5Da71371159 0000 50.00 PY AVAKASLE CREDIT Your Total Availaible Credit Is $11,67 $11.67 of your Available Credit can be accessed for Cash Advances. The portion of your credit line that can be used for Cash Advances is limited to $1,000..00.. FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY STATEMENT DATE 05125101 PAYMENT INFORIWATIO14 Number of Days in Silting Cycle 29 Prevkm Balance $1,019.06 Account Number 5562 55200087 4014 - Credits .00 Purchase Cash Advance . psymants $0.00 Average Credit Line $1.000 i Purchases 8: Dally Balance $1,011.13 $.DO other Chars .00 Available Credit $11.67 + Cash Advances .00 ANNUAL f F'M CHARGE: PERCENTAGE RATE 23.99% 23.99% Minimum Payment Due 530,09 On Balance* 1927 + Lift Charge 00 Daily Periodic Rate ,0657264E .065726% Payment Due Date 06119101 s NEW BALANCE $958.33 000340000 3658 A151 BALANCE AS PAYMENT MINMUM ACCOUNT MUMMA OF 04rMf Due DATE PAYMENT AMOUNT ENCLOSED 5542-8520-0087-4014 31,016.06 Y2t,20o1 1$31.00 lr -? 13 bxft4o dl w of address on bu* PROVIDIAN MASTERCARD maite Chocks Pay" to . providlen Ilirru,Ihr[rIIIL.,Itr1rl1C,rrlrlu ,Lhtill IIII If III IIL„I PROVIDIAN MASTERCARD Plasm be sure PO BOX 9539 MANCHESTER NH 03105-9539 this address appears in the window. Irulllrrelllrrrrlrlr?Irlrl,rlrrli?rllrrrrl?rll'Irrrrrlrlr,f,ll Pag61 ofl DEBORAH L GRAHAM 0000110 402 ALLENVIEW DR MECHANICSBURG PA 17055-8604 55428520008740140003100010190600000 Pay your Providian big ordkw. ICs quick, convenient and no stamps we requiredt visit www.prowdan.oonm todayl Your account is $19.06 over your $1,400.00 credit Ilse. While your Account Agreement may require you to pay Mis orerimit amour v% are 9" You the flexibility of Pq N only $31 ZO. Paying just this minimum due payment wig leave your account in an overlimit status. Post Date Descriation Trans [late Reference Number Amount 03-21LOME'S #405 MECHAMICBURG PA 70543071079327463305633 5211 776.04 CR 03-22LOWE'S 8405 MECHAHICBURG PA 03-19 70548071079327463305656 5211 15100 03-21LOWE'8 #405 MECHAMICSURG PA 03-19 7OS46071079327483305641 5211 675.00 03-26LOWE'S #405 MECHAMICHURO PA 03-23 92548071033327492977445 5211 778.04 03-29PAYMEMT RECEIVED -- THANK YOU 03-29 75417281088850680450044 0000 70.00 PY 04-IBVALUE CITY FUROODOO927 MECHANICSBURG PA 04-16 70410191107603052584239 5712 11.61 04-19REEBOK FCTY DIRECT STO HERSHEY PA 04-13 75434251108574010900829 5661 52.49 AVN,6M CREDIT Your "Total Available Credit Is $.00 $0.00 of your Available Credit can be accessed far Cash Advances. " The portion of your credit line that can be used for Cash Advances is limited to $1,000.00, FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. Number of Days In Billing Cycle 43 Previous Balance S309.99 Account Number 5542 $520 00874014 - Credits 778.04 Purchase Cash Advance Payments' 70.00 Average Credit Line $1 000 + Purchases 8 Daily Balance $80135 $.00 , other Charges 1,532.14 Available Credit $.00 + Cash Advances .00 ANNUAL FINANCE CHARGE: PERCENTAGE RATE 23.99% 219976 Minimum Payment Due $31.00 On Balances 24.97 + Late Charge .00 Daily Periodic Rate _06572696 .065726% Payment Due Date 05121101 = NEW BALANCE $1,019.46 BALANCE AS PAYMENT 1111"UM ACCOUNT. NUMBER OF MAMI DUE DAYS PAYMENT AMOUNT FNCWSE D f. 5542-8520-0087-4014 S31i4.99 R08,200t 51500 - ? I$ ? Mft*a aMMP or 400" on b.* PROVIDIAN MASTERCARD ---„- Blake Chedm Payable to Wovklian I?I,uul'It.,,llilr;rlrrirf?tua,i. ?rll,lrlrr?rl?r?ilrrll+rrl PROYIDIAN MASTERCARD Please be sure PO Box $539 MANCHESTER NH 03108-9539 ? this address appear in the window. 111&11 11111111111 111 if 01111 Pagelofl DEBORAH L GRAHAM 0O0 902:A,LLENYIEW DR MECHANICSBURG PA 17055-8604 55428520008740140001500003099900000 DETACH HEM P -PLEASE SEE ENCLOSED IMPORTANT LEGAL NOTICE CONCERNING THE ADDITION OF AN ARBITRATION PROVISION TO YOUR ACCOUNT AGFIEEiMENT. PLEASE READ IT CAREFULLY AND KEEP IT FOR YOUR RECORDS.- TRANSACTIONS Past I*a Dascriution Trans Date Reference Number Amou 02-23PHONE PAYMENT RECEIVED 02-22 T541728105k850054152697 0000 50.00 PY 03-.020RSNORANS1 610 OXI CLN 808-781-7529 CO 03-01 78432561060000340139469 5969: 26.90 03-020: HAUSCHKA SKIN CARE 4132479907 MA 02-28 78488721060207411.583137 5969 05.07 03-12PRONE PAYMENT RECEIVED Ors-09 7641728107`1850071329624 0000 70.00 PY 03-12PHONE PAYMENT FEE TILTON NH 03-12 75417281071686071001601 0000 4.95 Yaur Totat Available Credit Is $890.01 CREDIT $890.01 of your Available Credit can be accessed for Cash Advances. The portion of your credit line that can be used for Cash Advances is limited to $1,000.00. FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. Number of Days in Billing Cycle 30 Previous Balance $306.13 Account Number 68428520 0087 4014 - Credits 00 Purchase Cash Advance . Payments 120.00 Average Credit Line $1,000 t Purchases & Daily Balance $316.27 $.00 other Charges 111.97 Available Credit $690.01 + Cash Advances .00 ANNUAL + FWANCE CHARGE: PERCENTAGE RATE 23.99% 25.99% Minimum Payment Due $15.00 On Balances 634 Phone Payment Fee 4.95 Daily Periodic Rate .065726% .086726% Payment Due Date 04108101 + Lau Charge .00 s NEW BALANCE $309.99 ANNUAL PERCENTAGE R479this billing cycle rrrrwwv tlWV ?Jrl. BALANCE AS PAYMENT MINIMUM ACCOUNT HUMBER OF wi2/01 DUE DATE PAYMENT AMOUNT ENCLOSED 3542-8520-0087-4014 t o9es waRO9 for s1s4s 1$ Ll InScrte mange at address an Dick MaRO Chocks Payable to PROVIDIAN MASTERCARD Pro idisn Ill„?sillr,ull'.Iln?lulrl,I,,,1,1,?,?It Is IIIIIIIII IIt 11,,II PROVIDtAN MASTERCARD Please be sure PO BOX 9539 .? this sildre" appom MANCHESTER NH 03108-9539 Inthovimduw. Ir, lllr??lCl, .?blra,I,L.I.,II,,It,r„I,?ILI?,,,?I,I?,I,LI PageI of 11 DEBORAH L GRAHAM 000000 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 55428520008740140001500003068300000 _ _.---------------------------------- --------------------- - -- - _oEracH Man MESSAGES FROM PROVIDtAN MASTERCARD Pay your Provdan bill onikre. it's quick, camrenient and no stumps are eagWridl Malt www.providan.crnn ux*t TRANSACTIONS Posit Date De criDtion Trans Date Reference Number Arnoun 01-22ANNUAL FEE 01-22 0000 59.00 02-09LOME'S #405 MECHANTCSURG PA 02-07 70548071039327381226005 5211 23.00 02-09MAL MART MECHANICSBURG PA 02-07 70483821039314967294982 5310 223.00 ""' AVAILABLE CR>"DR Your Total Available Credit is $693.17 ;103.17 of your Available Credit can be accessed for Cash Advautcesi. The portion of your credit fine that can be used far Cash Advances Is limited to x1,000.00. FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. Number of Days in Billing Cycle Previous Balance f.00 - Credits .00 Purchase Cash . Payments .00 Average + Purchases b Daily Balance $115.99 other charges 305.00 + Cash Advances .00 ANNUAL t FINANCE CHARGE. PERCENTAGE RATE 23.99% On Balances 1.83 + Late Charge .00 Daily Periodic Rafe .065726% .1 = NEW BALANCE $306.83 Account Number 5542 85200087 4014 kdvance Credit Line $1,000 $.00 Available Credit$693.17 23.99% Minimum Payment Due $15.00 65726% Payment Due Date 03109101 wwwww.www awvw ra?r PAYMENT MINIMW IIALAWA As OF ACCOUNT DUE. GATE PAYMENT 06Ei"U11100{ HUMBER P.x so..amm OeIW. Tk?&U$4Mee OardirOt faa.00 i1.079.si 5562-5520-0067-4014 k.iirere Ckrps M Addles esrawtess Wi.e erhlnlt Mkl 41101arT E11CLOSEO.(nr bW er 41eN NIQ 4adsa:. ?''1 ?? _ ? ? H 1 I ?©? ?? Cer._.? ?._.......?...._..._._ o Yn .. .. L.-.7 ....Y... t_ » ideke Chocks pay" I* PWVkfion PROVIDtAN PROCESSING, SVCS. DEBORAH L GRAHAM ?MI P.O. BOX 660487 802 ALLENVIEW OR DALLAS TX 78286.0467 ME0NANICS8URGPA 17055.8644 I...III .,.illy.'11.1 LL.I..ti'JIMTLJp..,..l l.,Lfl 5542852000874014 0003300 0107931 0006300 25 OETACN HERE :,. C t`.eLkONi 4003 0007 )ia 7 O4))ZS PaOs 1 er t N )Oe. 7)k07 Important 1Aeasages YOUR ACCOUNT IS OVER. (TS CREDIT LIMIT. Plea" pay the minimum payment listed above along with the overiimit amount as $GOA as possible ./tcoours8ummary _ 'MoroiNtiober '.. 5542.0620DU87-W.ia PreWatsBlanca 8t,0B5.95 'SlaieR.pnl Dale CB125/ Credts d Payments 563 DO. -WARM' 4eatt1A?oo iiuvoy 00.4,P4 P eenOtNe *urgos * i049o C+emuno $1,000.00 Cash Advances $0.00 _. _ . . 1 i4A0 CH&RO t , k 'AvgftWC dtforCashAWanwsasofG8r15,'04 $C,00 NEW BALANCE 31 D79 31 -FOR WILLING ERRORS AND IMPORTANT INFORMATION. SEE REVERSE SIDE. BaNBroa Cat rpor y Average. Daily Perkrdie Annual % tlnance Gram Daily Balance Rate Rah (APR) Charoes Terms Standard Porchose - Curter Cycle. $1.083,73 .0657%' 23.99%' $21.36 Term B Standard Cash • Current Cycle SD.00 .0657%' 2319%' 50:00 Term. a ANNWt PERGENiAGEItATEthis biilir wcede: =99% 'Thu* sates mfr vary. For 24-how AL40ffA dA000W Wrift0w. plane cal. 1.800-2800561 or visit us M www,ptovkw.com Your account M bgued by PrMvkftn Nanortal Bank, TUton, NIi. PAYMENT MIlN" SALANCEASOF AtxfWlR am oATE PAYMENT Otifd91Tw NUMBER PO, a;. gown, o.r., r%+SaM-093 101atg4 i94.e4 tt1.l Ok.a4 SM-9552"067-4014 , I Chow$NAaa+.9a9lowa,w.otwwhr.ek00 4Md1WfWCLOiE NowW" tshwWW e .._ `` '' aCC ?. _ $? l C.': U.LJt?J L? N 9Hks Chwks Payable go ProvIdl n Poll. E4AW-....._..?? ._..,.-_........ . :.._.. PROVIDIAN PROCESSING SVCS. DEBORAH L GRAHAM ++4sa P.O. BOX 880447 502 ALLENViEW DR DALLAS TX 752860487 MECHANIC$BURGPA 17055.0604 If. M r,1E,. 1I11 II...J.111,111. 1.IMI tl„i1 I...III...1111.4.1 , I0+111 1I,.I „IE,.II.,,,I.,IIL,,., E,r,rLIE 5542852000874014 0003400 0110284 0003300 25 DETACH HERE ;: ?,. G COt.Rt9al H+2' 9442 a4a 7 04!92! ?+?? 1 +f 1 N 4,1111 99654 anporm MOpapes YOUR ACOQ rNT tS OVER ITS CREDIT LIMIT. Pease pay the minimum payment sated above along wim the ovartimit anM M as soon as poeaiow .A4e9uat euarwy 'Sgt9ment Date 09124!04 C+odits A Paynsn:; $33.00 ttKsloitin? Rttgryssg7'd i5f.00 ' dptf t9y,?t?2t>fit Pdjd Nees $ troy tsaroes t 3350 CrQw line $1.000.00 Cash Advances $0.00 Awii4AeCaedLirroaad09a24?P4 $000 F'*WXECHARGE -..' -?;$2tt33 va ial4eCredttat Cash Advancesas ol0924/04 $0.00 A NEW:3A.ANCE _ $1,102.84 y _ 30 -FOR BILLING ERRORS AND tMPORTAINT INFORMAnoN. SEE REVERSE SIM Saella Caugory Amerage DayPedodio Amnia!% Few" Grace Ewly oawnn Rata RANI MR1 C lemur Tarma Standard Purchaaa - WreM Cyr#a $1.080.84 .0484%' 2424%' $2158 Term 9 Ste %Wd Cash - Cum m Cycle $0.00 .0664%' 2424%' $0.00 Term a ANNUAL 1W_tQWrAQF RATEOur Wing cycle: 23.90% 'Three raer may vary. For 24-hour Automated Aowunt AMOrmaion, pease Cal 1400,19"561 or visit us at www,prwAtlt n.com Your account is i=uW by Providlan National Bank, Tilton, NH.. PAYMENT MAMM BALANCE AS OF ACCOUNT DUE OATS: PAYMENT 66126*W NtA18ER PO a„aeora7,a.,a.,:rx7eace-aw Da21Ml! Syi,De ftATea1 5542-3520-0087-4014 a.ekw t9W.e. It A. nI Io aele.f W. Wear Mte.s Me} AMOUNT ENCLOW in» ??n.r ?twk M10 Ad"" _ c4r. ?_.. sae &I_. ? sOCIOCInf- 1:1 N 1/ette Chteks. PsyWe to Prawk0en Riarw Phan:.. YVae dhein:...........^. ON PROVIDUW PROCESSING SVCS. DE80RAH L GRAHAM rxee t P.Q. bolt 660467 S02 ALLENVI OR DALLAS TX752"37 MECHANICS URGPA 17055.8604 ti. ,I'll Na..11.$11,.In.111,,,111.... 61nI..I1h,...GL.LEI 5542852000674014 0003300 0107431 0006300 25 DETACH HERE t ro?ee?et sera eoyr tare r enae7e r.e. t .r r A eeh 7>rot YOUR ACCOUNT 44 OVER ITS C REDIT k:IMIT: Please pay the minimum payment fisted above along with the overtimit amount as soon "pond*, StetemamDat! 0625x)4 Credits i Pants ' $63.00 Cowl! Lim $1,000.00 Cash Advanon 80.00 Ava8Naa1M? Oraklar Cash A?ydvka?nTces ss of 082&04 $0.00 NEW BALANCE - $1,079,31 -FOR BILLING ERRORS AND IMPORTANT INFORMATION. SEE REVERSE SIDE. Baluice ;aHpory AverAP Daly Periodic Annual % Finance Grace Daily Daiattts Rite Rate (APR) Charges Tema Siendard P chaae - Current Cycle 51.1183:73 .0657X' 2319%' 821.36 Term 8' Swx*,d Cash • Current Cycle 80.E 0657X' 23.99Y.' $0.00 Tenor 9 ANNUAL P 71 AGE RAT1EMis b li nc cvele: 22.99% 'Them rsfe rwv ~v- For 24-hour Aultemeteq Account Mfornwgon; Please tag 1406.280-Ml or visit us at WINW.providian.iwm Yclur Bcocum Is Issued by Provdan National Sark. TINM NH. PAYMENT MINIMUM. BALANCE AS OF AOCOLKr Duff DATE PAYMENT =52w NUMBER tla ew Inam, DO". rsatiArtta tlttlro4 iSa.00 i1,b78.i1 .5642-8520-0067-40.14 ttdawClaa/a el Ad6anlaM,ttnw tlw yM.,a tat} AroVMi ENGit7GED taw tlwTOreasl.bN Add- A- saooao RR so, z _ . No P WaiR,EHOCe. v Maim Chedts Psynbte to RrO rldlan 000 PROYIDIAN PROCESSING SVCS. DEBORAH L GRAHAM rwa?n M Box 660483 902 ALLENVIEW DR DALLAS TX 75266-0487 MECHANICSBW RGPA 17055.6604 rr.,,r,IJrMil,Ill. { 1:.1 ir(„.{11,114111.11 11,1. 111111u114u,1 10 5542952000674014 0003300 0107591 0005000 25 I DETACHHERE " ?,? G C6LAN01 in Ti 0605 Ke i 042020 t?0f. 1 O} 1 n 000 }e0T0 waporwa MOWN" OuR ACOOUNT IS tW ER RS CREDIT Llmrr. Pkase Pay the minimum payment k5lad above along with the uvadimil usount.as ww as possible. .ACCp,MN SYa10N5Y • J 'Sts o m ont Date 1025/04 Credts S Payments 550,00 x? ? 101posss.? Y dOf111woo' 6y#€1$S/O4 Wrdlesaa6011iorCt?ar gea S0:Q0 Cl. Una $1 .OWOO Cash Aavances 30 DO AWl1W$i* fedixfnvasoti0,7,W4 SOAD I'VaNCECMSGE * M27 'Avaa&We Credit for Caen AdvarvLvs as of 1.0/25,104 $000 NEW BALANCE $1,07$.61 '(?atq oC-- aWfAKCycle-..: $1 -FOR Bl L*4 ERROR8 AND IMPORTANT INFORMAT HM, SEE REVERSE SIDE •BaWw? dltrgory Avaags DailyPW[Wk Aneual% Firwa a Cisco Dogy Balance Kato. Rats (APR) ChAnNto Temle' SUftard Purchase - Currerd Cycle $1,10421 4671%, 24.49%• $22.97 To= A Slandwd Cash- Curran) Cycle so= .0671%, 24.49%* $0.00 Term B- ANNUAL PERCENTAurt: RAT'EOSe bil ks eYCk! 24.96% *Th"a r ata aenv very For 244tour Automated AcOWM ftsmaion, ploaso cat 1.800.280.0561 orvisit us at wtwr.pf"w1amcam Yaw ac w nt Is issued by IsmviOw NB*mW Bank, T Oton, NH. BALANCE AS PAYMENT MORMUM OF 07128104 DUE DATE PAYMENT AMOUNT ENCLOWO ACCOUNT NUMBER $542-8520-0087-4014 s1,os5.95 AuG. 2z, 2004 $B3A0 $ 1 -1 0 Indicate change of address on back MASTERCARD Make Cheeps Payable to Providlan Proeeseing Sefvlms Lrtl,11l,rto11111rtllttlh,wlll,?ltllltlLll,tiLtlrrLl, PROVIOIAN PROCESSING SVC& Please be sure PO Box 660548 'this address appears DALLAS, TX 75266.0548 in the window. DEBORAH L GRARAX Page 1 of 1 9 02 ALY+ZKVISW DR 0015807 X8CHA=CSBURG PA 17055-8604 tt.Lll11di11tl,Iril?6lrtrrGtllttl'Irttllr?liL,fill ,li11,1 554285200087401.4000630001085953 ---- --ouracc-----ou is --ntI--issued by Providia-----------ntional-Na- tWn@-Bat2k, ----Til--- ton-,NH_-----------------D EVAC--N-NERE i Y. . MESSAGES FROM MASTERCARD Making your payment by check? In an off to redLm costs and lrt mvo efONemy, rocoO of your check for payment auaWmes Providion to InW te. at no cot to you, an AVtomated CWW*ghouso (ACM) do* to your checking account for the same 3RW t a5 an 86MMOVS to the paper baeed check clearing system. YOUR ACCOUNT IS PAST DUE AND OVER ITS CREDIT LIMIT. Pin" pay the minimurn payment paled above along with the ove and amount rmrnedately or cad us at 1-800-280-8441. MASTERCARD TRANSACTIONS Tran Post to Date Description Referranca;WMber Amount 0.1.15 0719 LOWS 0405 MECHANICSURGPA 105480741983279525861375211 14.80 07-22 0722 LATE PAYMENT CHARGE 0000 39.00 07.26 07-26 OVERIIMIT FEE 0000 35.00 FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER 5542-8520-0087.4014 Previous Balance $976.17 Days In Billing Cycle 32 - Credits .00 Statement Date 07126104 - Payments .00 Minimum Payment $63.00 Purchases Payment Due Date 08122/04 + 3 Other Charges 8840 Cash Advances 00 Credit Line $1,000.00 + FINANCE CHARGE: 20.98 Available Credit as of Statement Date $.0 a NEW BALANCE $11085.95 Available Credit for Cash Advances as of Statement Date COD BALANCE CATEGORY Average Annual Daily Finance Grace Daily Percentage Periodic Charges Terms Balance Rate Rate Standard Purchase $987.84 23.99%' OS6I%' $20.98 Term B Standard Cash $.00 23.99%• .0657%• $.OD Term 8 ANNUAL PERCENTAGE RATE this billing cycle: 23.99% For 24-hour Automated Account Information, call 1-900-358-0011 or visit us at www.providianonline.com. • These Rates May Vary SALANCE A5. PAYMENr MMRWUM a' 0612444 RUE DATE PAYMENT AMOUNT ENCLREED ICCRIHIT Nl86BER 5542-8520-0097-4014 597617 3UL F1, 2004 530.00 $F U Indicate change of address on back MASTERCARD Malke Cheeks, Payable to PnMdIanProcassirq Services III111IIIII111111III.III.I11 I.III.II III#II14111111IIiIIIII PROYIDIAN PROCESSING SVCS. Please be sure PO Box 660548 4 this address appears DALLAS, Tx 75266-0548 in the window. DEBORAH L GRAHAM Page 1 of 1 902 ALLSNVIBMi DR D014124 NSCHANTCSSURG PA 17055-8604 91i111#1011144 „11K,111111N1'.11I'll,"11,1111 .....14.1.1 5542852000874014000300000976178 flour account is issued Cy Praa@; National Bank, 711On, NH.---------------- MESSAGES =RE.i FROM MASTERCARD MASTERCARD TRANSACTIONS Fran Post Date Date Q22grigliol! Reference Nufnher Amount 17 -0977 PAYMENT RECEIVED - THANK YOU 754093341696715515 624 ODDD Moo PY FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER 5542-8520-008741014 Previous Balance $99649 Days in Billing Cycle 30 - Credits .00 Statement Date 06/24104 - Payments 30,00 Minimum Payment $30.00 Purchases Payment Due Date 07/11104 + & Other Charges .00 + Cash Advances .00 Credit Line $1,000.00 + FINAADCE CHARGE: 19.48 Available Credit as of Statement Date $23.83 = NEW BALANCE $976,17 Available Credit for Cash Advances as of Statement Date $23.00 BALANCE CATEGORY Average Annual Daily Finance Grace Daily Percentage Periodic' Charges Terri Balance Rate Rat Standard Purchase SSM12 73.999x,' .0657%` $19.48 Term B Standard Cash $.00 23.99%' .0657%• $.00 Term 8 ANNUAL PERCENTAGE RATE this billing cycle: 28.99% I For 244tour Automated Account information, call 1-800.356-0011 or visit Lm at www.providianonfine.com. ' " These Rates May Vary PAYMENT MINWUM A . DUE DATE PAYMENT VI = AMOUNT ENCLOSED ACCWNTNWAaER 5542-8520-0087.4814 8986.69 JUN 21,2004: 530.00 $ O Indicate change of addmas on back MASTERCARD MaM Checks P?aysble to Providlan Ptacesaing Services IrIIII. -I, r , I I I I II#. I I I, r.I I IV I -JrII.I r l I r r l rr 1. i I I I U l rr 1111 PROVIDIAN PROCESSING SVCS, Please be sure PO BOX 650548 this address appears DALLAS: TX 7526645ae in the window. DEBORAH L GRAHAM Page i of 1 902 ALLENVIEW DR 000?913 xzcxx xcsBURG PA 17055-8604 rrl}I.rklll'rr,+lrlre}Elr}..Ir+111r l...rir.l}Irr,r,lrJrrlr 5542852000874014000300000986698 VouFa-=- ount is issued by Provfdian Nations[ Bank, W1Wn, NH. ----- - - - A-C-H W_J_W MESSAGES FROM MASTERCARD MASTERCARD TRANSACTIONS 'ran Past Date Descriotion Reference Number Amount 01 05-21 PAYMENT RECEIVED- THANK YOU 75409334142553056427502 0000 104.00 PY FOR BELLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER 5542-8520-0087-4014 Previous Balance $1,070.45 Days in Billing Cycle 29 - Credits .00 Statement Data 05/25104 - Payments 104.00 Minimum Payment $30.04 Purchases Payment Due Date 06121104 + & Other Charges .00 + Cash Advances .00 Credit Una $1,000.00 + FWAMCE CHARGE: 20.24 Available Credit as of Statement Date $13.31 = NEW BALANCE $9511.69 Availabla Credit for Cash Advances as of Statement Data $13.00 BALANCE CATEGORY Average Annual Daily Finance Grace Daily Percentage Periodic Charges Terms Balance Rate Rate Standard Purchase 51,062.40 23.99% .0667%` $20.24 Term B Standard Cash S.00 23:99x` .0657%* $.00 Term B ANNUAL PERCENTAGE RATE this billing cycle: 23.99% For 24-Mohr Automated Account Information, call 1. -356-0011 or visit us at www.prcMdfmonitim.com. These Rates May Vary BALANCE AS PAYMENT MWWUM OF 04rX G4 DUE DATE PAYMENT AMOUNT ENCLOSED ACCOUNT NUMSER 5542-9520-0687-4014 51,070.45 MAY. 23, 2004 533.00 O tndicate change of address on back MASTERCARD Make Checks Payable to Providlan Processing Services I,nIIIIIrrrt,irlhrrilrIlirr,rlrlrrlIIIIrr,lrIIIIIIIrI rrll PROVO" PROCESSMf# SVCS. Please be sure PO SOX 660567 this address appears DALLAS, TX 752664567 in the window. DEBORAH L GRAHAM Page t of 1 902 ALLBNVIEW DR 000= MXCHA=C8BtTRG PA 17055-8604 :rrllirniiluuisi?r it I r lrr 1 rullrtllurrlrrll1 rrrn1rlr r 1 rl. 5542852000874014000330001070457 YouiaccouA W Issued.Ety F;Wj iariNati U1Iffank, TTtton, RH.'T^^------- - OET„cr Mft-e7 MESSAGES FROM MASTERCARD FEDERAL TRUTH IN LENDING DISCLOSURES UPON RENEWAL OF ANNUAL FEE. SEE REVERSE FOR IMPORTANT INFORMATION,. YOUR ACCOUNT IS OVER ITS CREDIT LIMIT. Plmse py the minim psyr a listed abw W" wllh the weesrm amogxe as soon as possible. MASTERCARD TRANSACTIONS Iran Post Date Description ftlareau NUT gr Amount 04.16 04-16 PAYMENT RECEIVED - THANK YOU 75409334107670052000567 0000 3040 PY 0446 04-26 ANNUAL FEE 0000 59Ao 04-26 04.26 OVERLIMIT FEE 0000 35.00 FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE_ ACCOUNT SUMMARY ACCOUNT NUMBER 5542-8520-0087-4014 Previous Balance $985.69 days in Billing Cycle 32 - Credits .00 Statement Date 04126104 - Payments 30,00 Minimum Payment $33.00 Purchases Payment Due Oats 05=04 + & Other Charges 84,00 Cash Advances .00 Credit Tina $1,000.00 + FWNCE CHARGE. 20.76 Available Credit as of Statement Data 5:00 NEW BALANCE 31,07OA5 Available Credit for Cash Advances as of Statement Date 5.00 BALANCE CATEGORY Average Annual Daily Finance, Grace Daily Percentage Periodic Charges Terms Balance Rate Rate Standard Purchase $987.29 23.99;6. .0657%' $20.70 Tern B Standard Cash $.00 23.99%" .065796' 5:00 Term B Balance TrardPromo Offer 5.00 0.00% .0000% 5.00 Term B ANNUAL PERCENTAGE RATE this billing cycle: 23.99% For 24-hour Automated Account Information, call 1-800-358-0011 or visit us at www.providiananitm.com. * These Rates May Vary BALANCE AS PAYMENT ummuM ACCOUNT NUMaiER OF 03rAW DUE DATE PAYMENT AMOUNT ENCLOSED SS42.6520-08674014 $e85 s9 APR 21, 200s f3e.00 $ [ 0 In ICAG change of address on back MASTERCARD Make Checks Payable to PnwWian Processing Servic" PROVICIAN PROCESSING SVCS. Please be sure. PO BOX 680548 Athis address appears DALLAS; Tx 73266-0548 in the wtudow. DEBORAH L GRAHAK Page i of 1 9 02 ALLBIi isw DR 000& MBCMUTICSBURG PA 17055-8604 IJ, I II, 14 I11 1111 11111 11 11 11 f I,, I I',, 11 . 1111 r I I I„„i1,. 11,111 5542852000874014000300000985890 ------acc-ou is iue--nt---ss---d>b y WWI -j1;-Natro--na! --Ba- ------------------------------- You r dian n k, T1ltcn, NH. DETACH HERE i MESSAGES FROM MASTERCARD MASTERCARD TRANSACTIONS Tran Post Dam Pik r inn Reference Number Amount Eff 0 PAYMENT RECEIVED -THANK YOU 754093340628sos61131182 0000 95.00 PY I rv,c mL.-,MU ZKKVKO MU rslf'VK TAN1 INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER 5542-81520-0067-4014 Previous Balance $1,060.07 Days In Wag Cycle 30 - Credits .00 Statement Date 03125104 - Payments 95.00 Minimum Payment . $30 00 Purchases Payment Due Date . 04121104 + 3 Other Charges .00 Cash Advances .00 Credit Line $1 000 00 t FINANCE CHARGE: 20.62 Available Credit as of Statement Date , . $14 89 =NEW BALANCE $965.69 Available Credit for Cash Advances as of Statement Data . $14:00 BALANCE CATEGORY Average Annual Daily Finance Grace Daily Percentage Periodic Charges Terms Balance Rate Rate Standard Purchase Standard Cash $1,057.44 00 $ 23.74%" 7 23 ` .0650%' * $20.62 Term B Balance Tran/Promo Offer . $.00 . 4% 0.00% .0650% 0000% $.00 00 S TOM 8 8 ANNUAL PERCENTAGE RATE this billing cycle: 23.74% . . Term [For 24-hour Automated Account Inform ion call 1.$W358-0011 or visit us at Www.provldianonline com " These Rates May Vary BALANCE AS PAYMENT MINIMUM or ozaJI 04 DUE DATE PAYMENT AMOUNT ENCLOSED ACCOUNT NUMBER 5542-8520-0097-4014 it,os9.o7 MAR. 2x, 2004 s3zoo $1 1 0 Indicals change of address on back MASTERCARD Make Chwks Payable to ProWdlan Processing Ssmk= PRQVIDIAN PROCESSING SVC& Please be sure PO BOX W0646 -4#his address appears DALLAS, Tx 75266-0548 in the window. DEBORAH L GRAHAM Page t of t 902 ALLENVISN DR 0008= MECHANICSBURG PA 17055-85041 1#1111, 1.11 lots 1L i.,1, i, l., t,.1 t..11113 ,11 1 I1 L,,, ? l,1 x.11! 5542852000874014000320001060079 Your arcountis [ssueiF. by Providtan National Bank, Tilton, NH. ---------- nWrwcH N ee i MESSAGES FROM MASTERCARD YOUR ACCOLINT IS OVER ITS CREDIT LUT. Pima pay the minimum payment U W above al*V with ft ovedmit amount as soon as Possible. MASTERCARD TRANSACTIONS Tran Post Ditto D Description Reference Number Amount 40 02.20 PHONE PAYMENT RECEIVED 75409334051 0000 80.00 PY 02-20 02-20 PAYMENT4Y-PHONE-FEE 75409334451000000000000 0000 44.95 02.24 02.24 OVERLIMIT FEE 0000 35.00 FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER 55424520-00874014 Previous Balance $1,089.98 Days In Billing Cycle 29 - Credits .00 Statement 00% 02"04 . Payments 80.00 Minimum Payment $32.00 Purchases Payment Due bate 03=04 + & Other Charges 49.95 + Cash Advances .00 Credit Line $1,000.00 + FINANCE CHARGE: 20.14 Available Credit as of Statement Date $.00 = NEW BALANCE $1,060.07 Available Credit for Cash Advances as of Statement Date $:00. BALANCE CATEGORY Average Annual Daily Finance Grace Daily Percentage Periodic Charges Terms Balance Rate Rate Standard Purchase $1,088.54 23.74%* .0850%' $20.14 Term B Standard Cash $.00 23.74%* ,085096" S.00 Term B Balance Tran/Promo Offer $.00 0.00% .0000% $.00 Term B ANNUAL PERCENTAGE RATE this billing cycle: 23.74% For 24-hour Automated Account Information, call 14WO-356-0011 or visit us at www.pro"anonline.com. These Rates May Vary aALANCE AS PAYMENT MINIMUM OF 01!2404 Due DATE PAYMENT AMOUNT EtLOSED ACCOUNT NUMBER 5542-8520-0087-4014 51.06998 FEB. 22, 2004 533 00 $ J 0 Indigo change of address on back MASTERCARD Make Checks Pa?-yat?Ni to Providian Processing Services I NI II/I I I I I II 11 I I I I; I I I i t I I 1/11111/ i 111 I.Ilt itt I II/I CI VIII PROVIDIAN PROCESSM SVCS. Please be sure PO BOX 660548 this address appears DALLAS. TX 752660548 in the window. DEBORAH L GRAHAM Page 1 of 1 902 ALLBTDITIEW DR 0010236 NECHANICSSURG PA 17055-8604 ,fill[ 1111111tt111IIII111I 1 srllIllltrilli0111141t1I1111111 5542852000874014000330001069988 ----_-------------,?,l_ ---- ----- ------------------- Your -accou-nt i-s is- sued-by F -Fr-ovldian N?tiona#: Bank, Tifton; NH,---- DeTac?, H6aE MESSAGES FROM MASTERCARD Please see the important rwlke (encios ao regardirg charges to your Accourk Agniremertt. The table below Sst the standard Annual Percentage Rate (APR) information that wig apply to your Account as of the date printed in the enclosed notice. The minknNmrt APR we will assess, for each of the balance categories remains Unchanged. Rate Table Standard Purchase Amount over Prime Rate: 18.99%( 1"161 APR as of December 2003, 0.0657% DPR) Standard Cash Amount over Prime Rate: 19.99%(23.98% APR as of December 2003.0.0657% DPR) Any Introductory or promotional APRs will not be affected until their expiration date, YOUR ACCOUNT IS OVER ITS CREDIT LIMIT. Please pay On minimum payment fisted above along with the ovadmit amouri as goon as possible. MASTERCARD TRANSACTIONS Tian Post Description. Reference Number Amount 12.24 12.26 Will RCEMfTER SE2 HARRISSURG EPA 71411392335111360045733M 5411 50.00 01.21 01.21 LATE PAYMENT CHARGE 0000 3:1.00 01.23 01.23 PAYMENT RECEIVED - THANK YOU 75409334023870896701282 0000 30.00 PY 01.26 01-26 OVERUMIT'FEE 0000 3'5.00 FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER 5542-BS20-MT-4014 Previous Balance $956.04 Days in Billing Cycle 33 - Credits .00 Statement Date 01126104 - Payments 30.00 Minimum Payment $33.00 Purchases Payment Due Date 02=04 t 4 Other Charges 120.00 + Cash Advances .00 Credit Line $1,000.00 + ANANt E CHARGE: 21.94 Available Credit as of Statement Date $.00 = NEW BALANCE $1,01119,96 Available Credit for Cash Advaneas as of Statement Date S.00 BALANCE CATEGORY Average Annual Daily Finance Grace Daily Percentage Parlodic Charges Terms Balance Rata Rata Standard Purchase $1;022.87 23.74%• DLW%' $21.94 Term B Standard Cash S.00 23.74%- .0650%' S.00 Term B Balance TrarwPromo Offer $100 0.00% .0000% S.00 Term B ANNUAL PERCENTAGE RATE this billing cycle: 23.74% For 24-hour Automated Account Information, call 1-800-356-0011 or visit us at www.prov'tdianontine.com. • These Rates May Vary 8ALAt1CS AS PAYMENT mom" Of 12*4103 DUE DATE PAYMENT AMOUNT ENCLOSED ACCOUNT NUMBER 5542-&520.0087-4014 sasa.aa iAN. 20, Zoos .ca $1 U indicate change of address on back MASTERCARD Make Checks Payable to PmvkNan Processing Senftes i.. 11111..(IIi.Iir11I111 111111141111 111 3 1(I 1111111. PROVR»AN PROCESSING SVC& Please be sure PO Box 6600 4this address appears DALLAS, TX 75266-0548 in the window. D33BORAH L GRAHAM Page r of 1 s 02 ALLI:M NEW DR 00164H M13C D MIiCSSURG PA 17055-8604 nrlllurlll.,nlrlulllrlrrlullullr,?rlrt111nnrlrln?rl 554285200087401.40002900010958047 _- ____a_ccunt __o____________..__________,_-------- NH. ttETACM HER---------------______EI Your is issued 6y Providian National Bank, Tilton. MESSAGES FROM MASTERCARD MASTERCARD TRANSACTIONS .ran Ost Description Rsfergr}e m Amoartrt 1 PA RECEIVED -THANK YOU 754093333 1170=0033 0000 100.66 PY FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE.. ACCOUNT SUMMARY ACCOUNT NUMBER 5542-8520-0067.4014 Previous Balance $1,038.48 Days to Billing Cycle 29 - Credits .00 Statement Date 12IM03 - Payments 100.00 Minimum Payment (29.00 Purchases Payment Due Date 01120104 + 4 Other Charges .00 + Cash Advances .00 Credit Line $1,000.00 + FINANCE CNARGE: 19.56 Available Credit as of Statement Date $41.96 : NEW BALANCE $950.04 Available Credit for Cash Advances as of Statement Date $41.00 13ALANCE CATEGORY Average Annual Daily Finance Grace Daily Percentage Pedodic Charges Terms Balance Rate Rate Standard Purchase $11037.63 23.74%' .0650%' $19.56 Term B Strndard Cash 1.00 23:74%" 08SD%• $.00 Term B' Balance TranlPromo Offer $.00 0.00% .0000% $.00 Term B ANNUAL PERCENTAGE RATE this billing cycle: 23.74% For 24-hour AUEoinated ACCOUnt Information, call 1-800.356.0011 Or visit us at www.providiantlnline,t;rym, These Rates May Vary SALANC£ AS PAYMENT MINIMUM ACCOUNT NUMBER OE 11!25/03 DU£ DATE PAYMENT AMOUNT ENCLOSED 5542-8520.0087-4414 st;oaa48 DBC. z2, zoos 532.60 $ 1 -1 0 Indicate chango of address on back MASTERCARD Make Checks Payable to Providian Processing $srviaes IIIIIII11441111,IIIaIIIIIIIttglllt111L11.01'11111 11,IIIIIIII PROVIDIAN PROCESSING SVCS. Please be ore PO BOX 660648 - this address appears. DALLAS. TX 752664549 in the window. DEBORAH L GRAHAM Page 1 oft 9 02 AL1499VIBN DR 0027ws MECHANICSBURG PA 17055-8644 IIII114111111 t t tIIIIa.ItII I t1 I t i 1111 11111.11{1111111/1.I 111 t1 5542852000874014000320001038489 .»,»------------------------ ,Ptn-t -------------- 8E`T-A-CN- N- ERB--1 - Your account is issued by Prov?tlan National t3ank; T?,.._ ilto MESSAGES FROM MASTERCARD You could avoid Iha cost of lets leers by mWdM your pe rwit by phone w4h Prismad for just $14.95. SMnpy call 1-WO4%14&{. YOUR ACCOUNT IS OVER ITS CREDIT LIMIT. Please pay the mk*m n payment fisted above aging with the ovartimk amount as soon as pow"O. MASTERCARD TRANSACTIONS Tran Post Date rt tign Reference Number Amount 11 20 11.21 PAYMENT-83Y-PHONE-FEE 75409333325400000600002 0000 1435 11,20 11-21 PHONE PAYMENT RECEIVED 75409333326832222200006 0000 125:00 PY FOR BFLUNCs ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER 5542-8520-0087-4014 Previous Balance $1,125.32 Days in Billing Cycle 3 - Credits .00 Statement Date 13/25103 - Payments 125.00 Minimum Payment $32.00 Purchases Payment Due Date 12122103 + 3 Other Charges 14.85 t Cash Advances .00 Credit Line $1,000.00 t FINANCE CHARGE: 23:21 Available Credit as of Statement Date $.00 = NEW BALANCE $1.038;46 Available Gredittor Cash Advances as of Statement Date $.00 BALANCE CATEGORY Average Annual Daily Finance Grace Daily Percentage Periodic Charges Terms Balance Rate Rate Standard Purchase $1,116.06 2174%' .0650%* $23.21 Term B Standard Cash $.00 23:74%* .0650%* 5.00 Term B Balance Tran1Premo Offer $.00 0.00% .0000% 5.00 Terns B ANNUAL PERCENTAGE RATE this billing cycle: 23.74% I For 24 hour Automated Account Infonnadionr call 1-800-358-0011 or visit us at www.providianantino.com. ' • These Rates May Vary BALANCE AS. PAYMENT MINIMUM OP 10403 DUE DATE PAYMENT AMOUNT ENCLOSED ACCOUNT NUMBER 5542$520-M7-4014 SY,Y25.32 NOV. 20, 2003 534.00 ^^"^ O Indicate change of address an back MASTERCARD Make Chocks Aay*W to ProvkRan PnxesakV Services I14at111111 111aIIUrllnIIIII11.19$1,.I1 4 $ 1 4 1 111111111tIIIa PROVIOIAN PROCESSING SVCS Please be sure PO BOX 660548 this address appears DALLAS. TX 75166-0588 in the window. DEBORAH L GRAHAM Page 1 of 1 902 ALLENVIEW DR 0017627 NECHANICSSURG PA 17055-8604 5542852000874014000340001125326 Your account is fissuec by Providlan Platianal Ba?i?C,. Titon MFi. ----------- ----DE--A-M- i -- MESSAGES FROM MASTE RCARD YOUR ACCOUNT IS OVER ITS CREDIT LIMIT 590,32 Pwase pay the mk*nm pawriont listed above along we the werNrt+R smountas soon as possba. MASTERCARD TRANSACTIONS Tran Post Daft Dal DescEiMp Referenc?U Y- Amott 10.2 10-23 PAYMENT RECEIVED - THANK YOU 754093332968 50111 0000 50.00 PY 10.24 10-24 OVERLIMR FEE 0000 35.00 FOR BIIUNG ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE.. ACCOUNT SUMMARY ACCOUNT NUMBER 5542 8520.0087-4614 Previous Balance $1,119.10 Days in Billing Cycle 29 - Credits .00 Statement Date 10124103 - Payments 60.00 Minimum Payment 534.00 Purchases Payment Due Date 11120/03 + & Other Charges 35.00 t Cash Advances .00 Credit Line $1,000.00 + FINANCE CHARGE. 21.22 Available Credit as of Statement. Date 5.00 = NEW BALANCE $1.125.32 Available Credit for Cash Advances as of Statement Data $.00 BALANCE CATEGORY Average Annual Daily. Finance Grace Daily Percentage Periodic Charges Terms Balance Rate Rate Standard Purchase $1,125.89 23.74%' .06W%* $21.22 Terre B Standard Cash $.00 2174%* .0860%* S.00 Term B Balance Tran/Promo Offer $.00 0.00% .0000% S.00 Term B ANNUAL PERCENTAGE RATE this biltingcycle: 23145E For 24-hour Automated Account information, call 1-800-358-0011 or visit us at www.providianonline.com. ' These Rates May Vary BALANCE AS PAYMENT MINIMUM ACCOUNT NUMBER' 01110129103 DUE DATE PAYN84T AMOUNT ENCLQ$Eo 5542-8520.40874014 t,,?,sao ocT. z2 zoo! s49.? ? $1 0 Indicate change of address an back MASTERCARD Make Check$ Payable to Providian Pmeesakq Services 1111111111 N.le.II:II.IIaIIIIII. 11 111 I I l f i t l l 01111111111 PROVIDIAN PROCESSM SVCS. Please: be sure PO BOx 9539 this address appears MANCHESTER, NH 0318E-9539 in the window. DEHORM L GRAHAM Page 1 of 1 902 ALLENVIEW DR 000M9 MECHANIGSBURG PA 17055-8604 fill 111111111111111111114111111111011111111111.1111111,I.I IliI 5542852000874014000460001119101 ------------- Your account is issued by Providian National Bank, Tilton, iH. DETrupN HERE i MESSAGES FROM MASTERCARD YOUR PAYWNT IS PAST DUEL Send your payment ofs4e.00 immediately to avoid additional late fees and turaw celection efforts.. if payment has bow made, cal us at 1-800-904-903g. mA$TERCARt) TRANSACTIONS Tran Post Date Daft pmri o _09H -- dAS 7 SAM S AT?N HARRISBURG PA 09-22 08.22 PAYMENT RECEIVED -THANK YOU 08-25 09.25 OYERLIMiT FEE Reference ML Amours 2 32 5542 23.00 75409933285870890430457 0000 20.00 PY 0000 35.00 rvn ?11.unv MMMU ca MW 1Mrurl IANV I NPNI LIKINATION, SEE REVERSE SIDE:. ACCOUNT SUMMARY Previous Balance $1,059.81 - Credits .00 - Payments 20.00 Purchases CUNT NUMBER in Billing Cycle Mont Data ,um Payment ant Due Date 5542-3520-0087-4014, 3 Other Charges $8.00 + Cash Advances .00 Credit Line $1 000.00 FINANCE CHARGE: 21.29 Available Credit as of S tatement Date , 5.00 a NEW BALANCE $1,119.10 Available Credit forCash Advances as ofStatertent Date S-00 BALANCE CATEGORY Average Annual Daily Finance Grace Daily Percentage Periodic Charges Terms Balance Rate Rate Standard Purchase StandeW C h S1,091.97 23.T4%• • .0650%• $21.29 Term B as Balance TrantPrvmo Offer S.00 $.00 23.74% 0.00% .0650%' 0000% $:40 00 5 TOM B T ANNUAL PERCENTAGE RATE this billing cycle: 23.74% . , ents a For 24-hour Automated Account Information, call 1-800-336-0011 or vls3t us at www.providlenonfine.com. These Rates May Vary BALANCE AS PAYMENT Me4NiUM ACCOUNT NUMBER Cr OW6103 DUE DATE PAYMENT AMOUNT ENCLOSED 5542-8520-8087-4014 51.059.Et SEP.22.2003 i32.Od 0 Indicate change of address on back MASTERCARD Make Checks Pay" to provkHan Processing Services I1611iIII11111111111IIIF11111i111111111114111111111aIIIaI.14 PROVIDIAN PROCESSING-SVCS: Please be sure PO Box 660548 -4 this address appears DALLAS., TX 75266-054a in the window. DEBORAH L GRAHAM Page 1 of 1 902 ALLENVIEW DR as war MECHANICSBURG PA 17055-9604 .11 111.11.1111./1 L1i1.1.1111111, 11111111.1,. 1111111, 1. 11, 111111 5542852000874014000320001059816 Y4)(,ir-aswc W s issued by ProvidFan Nafional l ank, Tiliori,-NH- - "'_..--------- -. __..?...a__. . 0£TACNH6itr:i MESSAGES FROM MASTERCARD YOUR BALANCE IS OVERLI1s71 Your a M balance is maTently over year app ad credit tlmiC: To avoid addla'oriai -erf'nr11t fees, please Mc0.da the overr«rat arrow t akxV with year nri wmm amcwt due of SUOO. MASTERCARD TRANSACTIONS T Fast Dat Dote T ate Description ' Rsfsrence Nu =r Amount D 08-06 PAYIi N RECEIVED -. THANK YOu 7541728321855080 5 coca PY 06-04 08.11 08-08 08 13 SAMS GAS STATION' T K HARRtS8URG PA 23A838232173309345u1916542 1035 06-11 . 05-13 UR EY4tg.L#0240 RITE AID STORE 2000 MECHAWSBURGPA MECHAMCSBURGPA 234440032246471621348926542 704996732246590200022405912 1215 1 08-22 08.25 TURKEY40LL$0240 MECHAMICSSURGPA 2344400323614530233628785542 1 .10 12JO 0840 05.25 SAMS GAS STATION HARRISBURG PA 234S3823233330284S72917 5542 14 50 08-26 08-26 OVERLIMIT FEE 0000 . 35.00 rvm an UNU r-KKVKa ANt7 IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER $542-8520-0087-4014 Previous Balance 5968.83 Days in Bitting Cycle 3 - Credits 00 Statement Date 08126103 - Payments $0.00 Minimum Payment $32 00 Purchases Payment Due Date . 09122!03 + & Other Charges 99.10 + Cash Advances .00 Credit Line $1 000.00 + FWANCE CHARGE: 20.88 Available Credit as of Statement Date . 00 $ NEW BALANCE $1,059.81 Available Credit for Cash Advances as of Statement Date . $.00 BALANCE CATEGORY Average Annual Daily Finance Grace Daily Percentage Periodic Charges Terms Balance Rata Rate Standard Purchase Standard Cash $993.04 00 5 23."%* .065744' 3 * $26.88 Term a Balance TnmlPromo Offer . S.00 2 .99%. .0657% 0.00% .0000'%, $.00 $.00 Term a Perm B ANNUAL PERCENTAGE RATE this billing Cycle: 23.99% For 24-hour Automated ACCount information, call 1-S00-356-0011 or visit us at www.provkfianoMkw.c om. • These Rates May Vary BALANCE AS PAYMENT ? OF MAW DUE DATE VP4MUM PAYMENT AMOUNT ENCLOSED . ACCOUNT NUMBER 5542-8520-0087-4014 t9e8.83 21,2003 (30.00 ,$ ? V4Cafe Chan e of aft"S on tack Make Cheeks Payable to g P PROVIDIAN MASTERCARD PROVIDUw MASTERCARD Please be sure PO BOX 9539 .4 this address appears MANCHESTER NH 0310$-9539 in the window. DEBORAH L GRAHAM Paged of 1 902 ALLENVIEW DR 000000 MECHANICSBURG PA 17055-0604 I111 II1 111111 119 1 11111 11 111 1,1 1,1111111111 1,,IIII11411111111i1 55428520008740140003000009898300000 Your account is issued i Providian Natfonaf Bank, Tfiton, Nib. -DETACH HERE' MESSAGES FROM PROVIMAN MASTERCARD NEED A REMINDER? Set up a-mail Warts and we'll notify you before your payment is due, when your payment posts and Mrs. www.ProvkawiOrAine.com PRWDIAN MA$TERCARD TRANSACTIONS Post Date Rn lion Trans bate Reforensg Number tit„ ur 07-21PAYMENT itECE'IVED -- THANK YOU 07-21 75417243202650617851923 0000 $5.00 PY FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER 554rBS2i?.t 914014 Ppeviou s Balance $1,004.94 Days In Billing Cycle 30 - Credits .00 Statement Daft 07125/03 - Payments 35.00 'Minimum Payment $30.00 t Purchases B Other Charges .00 Payment Due Date 08/21103 + Cash Advances r F/A CHARGE: .00 Credit Line $1,000.00 asta as On n 19.80 Available Credit as of Statement Date $10.17 ChNga + Leta Char'g .90 Available Credit for Cash Advances as of Statement Date $10.17 _ NEW BALANCE $989.83 Average ANNUAL Daily Grace Typo of Balance Daily PERCENTAGE Periodic Terms Balance RAFT Rata Purchase $1,008.86 23.99%* _065728%' Tam B Cash Advance $.00 23.99%` .003728X' Tenn B For 24-hour Automated Account Informatiom call 1-800-356.0011 or vlwsft us at wwW,providlanoMine-corn. `? vwwvvw a 1QIW 'These rates may vary. BALANCE AS PAYMENT ACCOUNTl1UMeER OF One zm OUE DATE UNIMUM PAYMENT AMOUNT ENCLOSED 5542-8520-0087-4014 S1,oO4Sd L22,ZGa1 !30:00 Inwcrs dlaaw of address on back If Checks Payable to PROVIDIAN MASTERCARD P III„1.IIE,11,E11111,111111/I111I/ I1,,kIlld?1,,1111,Ldi11,I PROVIDIAN MASTERCARD Please be sure PO $0X 9538 .4 this address appears MANCHESTER NH 03108-.9539 in the window. DEBORAH L GRAHAM Page 1 of 1 902 ALLENVIEW DR aoooao MECHANICS+BUR1G PA 117055-8(6x04 t1- { 111111t11#1111,1111414117111111tt11,1111ta1111#11111,IrAll?lAfr11 55428520008740140003000010049400000 Yatr account is is'suet'f by Providiatn n-ti Baltic, Titfcri. Nei: - - - - - -' ---------------- Waif, nprar YOUR BALANCE IS OVERLIMrrl Your account balance is currently, over your approved credit omit. To avoid additional overlimit fees, pleasee, include the overlimit amount along with your minimum amount due of $30.00. Periodically Providian reviews as our Oustonwe aec w ts: In an ~ to standard" temm please see the important infOmw*n enclosed eegardng changes to Yom amt. PROVISO MASTERCARD TRANSACTIONS PC! Ode Dwododo Trans Date Reference Number Amount 06-ISPAYMENT RECEIVED -- THANK YOU 06-13 75417243164650611533976 0000 40.00 PY 06-25SAMS GAS STATION HARRISBURG PA 06-25 2549382317SS30653988017 5542 18.75 ACCOUNT SummARY ACCOUNT NUM ER 3542 852ti-0037-4014 Previous Balance StOO712 Days in Biding Cycle 2 - Credits - Payments .00 40.00 Statement Date Minimum Payment Os125 9 f Purchases & Other Charges 18.75 Payment Due Date ? + Cash Advances .00 07123!03 + FWANCECHARGE: Credit Line $1,000.00 On Balances 19.07 Available Credit as of Statement Data $.00 Late Charge .00 Available Credit for Cash Advances as of Statement Date $.00 a NEW BALANCE $1,004.84 Average ANNUAL Daily Grace Type of Balance Daily PERCENTAGE Periodic Terms. Balance RATE` Raw Purchase $1,000.30 23.99%* .065t2V%* Term 'a - Cash Advance $.00 23.99%• .06572nOW Tenn a For VW Automated Account Information, call 1-$-00-3S$-0011 or visit us at WMAN-Providiangrttfne com K 00300am Ism irtan . FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. -These rites may vary. BALANCE AS PAYMENT OF 0312/03 DUE DATE MINIMUM PAYMENT ACCOUNT. NUMBER 5542-8520-0087-4014 S1,i7.12 uNZ3 2troa $30.00 © Mdksbr enaner of address an tack PROVIDIAN MASTERCARD PROVIDIAN MASTERCARD Please be sure PO BOX 9539'. .4 this address appear MANCHESTER NH 03108-9539 in the window. Page 1 of 1 DEBORAH L GRAHAM 000000 402 ALLENVIEW DR MECHANICSBURG PA 1.7055-8604 10 101 ll,,,Ills,,,1,1,rl,lrlnlr,Ilr,Iln,rlnlll,rr„I, 55428520008740140003000010071200000 AMOUNT ENCLOSED ( I !w Matta Chodw Payabla to Providian Y wr account is issued lay Providlatt Natlanat Bank, Tilton, NFI -:- ---------------- - oETACN NERE a YOUR BALANCE IS OVERLIMITI Your account balance is currently over your approved credit limit To avoid additional ovedimit fees. please include the ovedimit amount along with your minimum amount due of $30.00. NEED A: REMINDER? Set up e-mail alons and we'll notify you before you payment IS dye, when your payment posts' and more. www.ProvWkmOrdine.com PAY ALL YOUR BILLS wrm JUST A FEW CLICKS WITH BILL PAY ONLINE Manses all your pills anywhere. anytime -directly front your computed 0 cf0wer*M easy and free for the first month. Enroll now at www.d 0q.gotsmartccm PROVtOtlkld MASTEItCAft TRANSACTIONS P+ost_taf DesirioU Trans Date Reforonce %Ober nou f OS-21PAYNENT REC91VED -- THANK YOU 05-21 75417283141850661510122 0040 00.00 PY FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER SS42-85204087-4014 Previous Balance S1,004.E8 Days in Billing Cycle 32 Credits .00 Statement Date 0SWI03 - Payments 60.00 Minimum Payment $30.00 + Purchases 8 Other Charges .DO Payment Out Date 06125103 + Cash Advances .00 + FI E CHARGE: Credit Line $1,O 00 8si On O Ba lances 23'20 Available Credit as of Statement Date $.00 e + Late Charge .00 Available Credit for Cash Advances as Of Statement Date $:00 a NEW BALANCE 51,407.12 Average ANNUAL Daily Grace Type of Balance Daily PERCENTAGE Periodic Terms Balance RATE Rate Purchase $1,058.17 23.99%• .065728%• Term B Cash Advance $:00 23.99%" .06W26V Terns B For 24-hour ALitomatted Account information, call 1-00=356-0011 Or visit usat www.providianontine.com. 49 6O 1540 *These rates may vary. BALANCE AS PAYMENT OF 0425101 DUE DATE MINIMUM PAYMENT ACCOUNT NUMBER 5542-8520-0087-4014 51.06486 AY ?2,20gS 534.00 0 Indicrfa change e1 address al back PROVIDIAN MASTERCARD IIIIIIItIIIIIIIIII#IIIIaIII1114 1111111110111111111116111 1111 PROVIDIAN MASTERCARD Please be sure PO BOX 9539 4 this address appears MANCHESTER NH 03108-9539 in thewkldow. Page 1 of i DEBORAH L GRAHAM 000000 402 ALLENVIEW DR MECHANICSBURG PA 17055-8604 IF111111i 111.E 111E 111111111111.II/III /.,d 1:IN 11111111111$111 5542852000874014000310003,0648600000 AMOUNT ENCLOSED Is Make Chew Payable to Providiarl - ---------- ------------------------------------------------------------------ MACH Ytwraccount is issued by Providlan National Bank, Tiittan, NH: RE YOUR BALANCE IS OVERLIMITI Your account balance is Ctxmtty over your approved credit Omit To avoid additional over$mit fees, please include the overiimit amount along with your minimum amount due of $31.00.. FEDERAL TRUTH IN LENDING DISCLOSURES UPON RENEWAL OF ANNUAL FEE - SEE REVERSE FOR IMPORTANT INFORMATION FREE SAME-DAY BILL PAYMENTI Pay online by 413M PT, Monday - Friday, and we'll post your payment the same day. www.PmvkhanOntine.com PAY BY PHONE You could avoid the cost of late teal by maltirp your payment by phone with PaySmart for just $14.95. Simply cal t-800 358.1464. PROVI©IAN MASTERCARD TRANSACnoto Post Qft i tier Trans Date Reference Number Amgg OS-27ANNUAL FEE 0$-27 0000 59.00 04.1OMS5aL4XSI1*THANKU ITEM 800-586-9637 CT 04-10 7543286S18000D1808179S9 5969 39.70 04-21PAYMENT RECEIVED -- THANK YOU 04-21 75417283111850877901319 0000> 109.DO PY 04-25OVERLIMIT FEE 04-Z5 0000 35.00 ACCOUNT SUMMARY ACCOUNT NUMBER 5542-8520-0087-4614 Previous Balance $1,018.65 Days In Billing Cycle 30 - Credits - Payments .00 1 0 Statement Daft 04125103 * Purchases 3 Other Charges 09. 0 133.70 Mtnlnwm Payment Payment Due Date $31.00 t Cash Advaneta 00 0512Yl03 + FIMANCE CHARGE: Credit Line $1.000.00 On Balances 21.61 Available Credit as of Statement Date $.00 • Late Charge 00 Available) Credit for Cash Advances all of Statement Date $.00 NEW BALANCE $1,06446 Average ANWAL Daily Grace Type of Balance Daily PERCENTAGE Periodic TerTns Balance RATE Rate Purchase $1.090.99 23.99%* .065726Ya* Term a° Cash Advance $.00 23.99%• .065728%* Tenn a For 24-hour Automated Account Information, call 1-800-.356-0011 or visit us at www.providianonline.com. A tU1r1Rd11atYt ellaa i"n - FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. *These rates may vary. BALANCE AS PAYMENT ACCOUNT NUMBER OF 03126103. DUE DATE MINIMUM PAYMENT ?A?M;OUNT ENCLOSEO 542-ass20-gos7-4014 sf,01$S3 it 22, 2003 (31.00 5 ?------.? kwacats dWW of addrsss on back phi hocks Payable to PROVIDIAN MASTERCARD IU„..,1(/?,,I(I(,I,h?I,I,II„LI„?Ilatl?t„11,1,1„IL„I PROVIDIAN MASTERCARD Piesse be sun PO BOX me .? this address appears MANCHESTER NH 03108-9539 in the window. Page I of 1 DEBORAH L. GRAHAM ONO00 902 ALLENVI€W DR MECHANICSBURG PA 17055-8604 I.IIIII„,IIIIIIIIIII III,IcI II I III I IIa11$1,t111„4I141H1.11 554285200087411140003100010186500000 Yiwr a%count is i sued by Provid airi Nalttcnal b nk Titttiri; P!j4 - - - - - - - - - - - - - - - - - - - - - -i ire - I DETACH YOUR BALANCE IS OVERLIMIT! Your account balance is currently over your approved credit limit. To avoid additional overlimit fees, please include the pvertimit amount along with your minimum amount due of 531.00. Your 2003 PrW " Pokey is sr4losed. The Policy contains some chang". Please review it carefully. Enclosed is an impOrtarit not oe regarding your Cardholder Berafits of 1vo April t 0, 2003: POmilaae insurance. Lost Luggege Insurance, and the Travel Select ProWant will no longer be "u" altar that data. PR V1151AN MTERCARD TRANSACTS PoM Dg* L ription Trans Date Reference Number Am©unt 03-17PAYMENT RECEIVED -- THANK YOU 03-17 75417283076850671052379 0000 40.00 PY OS-21PETSKART a 0583 MECHANICSBURG PA OS-19 80485073079079370763612 5995 18`.00 03-21PETSMART a 0583 MECHANICSBURG PA 03.19 40433073OT907937076SS21 5995 26.49 03-24HESS 38285 CAMP HILL PA 03-22 234830730E2082577108992 9542 19.80 ACCOUNT SUMMARY ACCOUNT NUMBER 5342-8590.0087-401+4 Previous Balance 597546 Days in Bitting Cycle 29 - Credits .00 Statement Date 03120103 f Purchases & Other Charges 40.00 64.29 Minimum Payment Payment Due Date $31.00 • Cash Advances .00 04IM03 Ff 4NCE CHARGE. Credit Line 000 $1 00 On Balances 18.80 Available Credit as of Statement Date , , $,00 + Late Charge .00 Available EredIt for Cash Advances as of Statement Data $.00 NEW BALANCE $1,018.86 Average ANNUAL Daily Grace Type of Balance Daily PERCENTAGE Periodic Terms Balance RATE Raft Purchase $98638 23.99%* .065726%' Tenn B Cash Advance $.00 23.99%* OW26%* Term B For 24-hoar Automated Account irftrmation, tail 1-800.356.0011 or visit US at Www.proyrldlanonline.eom Y ©D?30ee0n 4Ralt dean . FOR BILLING ERROR$ AND IMPORTANT INFORMATION, SEE REVERSE SIDE. -rho" rates may vary. BALANCE AS PAYMENT ACCOUNT NUMBER OF 01126(03 Due DATE MINIMI M?PAYMENT AMOUNT ENCLOSED 5542-8520-0087-4014 5975.58 24,2003 52g,? lndkft Ct.W of address an taG1 maim Checks Payw to Providian PROVIDIAN MASTERCARD 111IIII.I111111111111I11I11/1111111.11111101.111111111111111141 PROVIDIAN MASTERCARD Please be sure PO BOX 95" the address appears MANCHESTER NH 03IW9539 in the window; Page 9 of 1 DEBORAH L GRAHAM OW= 902 ALLENVIEW DR MECHANICSBUR'G PA 17055-8604 I.1.II11111111111III#011111,1111111111, 1/ 11[ 11111111111II.IAII 55428520008740140002900009755600000 Your aixourtt is issue i Provldlari National Bank, Tilfc;iz A[kl: - - - - - - - - - - - - - - - - - -l;?a?;. ? PROVWQW MASTERCARO TFWWACTiONS P004 QM rlotiOn Trans t?ate Reference Number n 02-21PAYMENT RECETVEO -- THANK YOU 02-21 754ITZ83052450679090963 0000 40.60 PY FOR SILUNC ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. Previous Balance 59 94.58 "' .?roaswluo?-4U Days in Billing Cycle - Credits 00 Statement Date 2 32 Payniefft 40.00 Minimum Payment 03 + Purahases 3 Other Charges .00 payment Duo Date 4 Cash. Advances .00 3 03(24!03 + FINANCE CHARGE: Credit Line $9 000.00 On Balances 29 00 Available Credit as of Statement Date , $24.44 + Late Charge = NEW BALA CE 00 Available Credit for Cash Advances as of Statement Data $24.44 N $975.56 Average ANNUAL Daily Type of Balance Daily PERCENIAGE Periodic Grace Terms Balance RATE Rate Purchase $998.42 23.99% .065M% Cash Advance $ 00 Tenn 9 , 23.9996 .085728% Tenn B Far 24-1taur Automated Account trtfam9a"On, Call 1-800.356-0011 or visit us at www.providlan©nline Cam N 000300000 30681540 . . BALANCE AS PAYMENT ACCOUNT OF01124103. DUE DATE MINIMUM PAYMENT AMOUNT ENCLO390 I 520 ? . 5542-8.52-Od87-4014 5984.06 E820,2003 530,00 [$ ? ln11caa changt of address al hack P Make Chocks payable to PROVfDIAN MASTERCARD IIII I1111I1111IIIltlil Is loll .Is .is .III1itIIlIlI/1l1I IAI 11/11111tI- PROVIDIAN MASTERCARD Pitmso be sure PO BOX 9539 .? this address appears MANCHESTER NH 03108-9539 in the window. Page 1 of 1 DEBORAH L GRAHAM 000000 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 Iu1IIIII IIIIIIUII11011111,huII,011p«II,IIII,. ,IIIII I I I I I 55428520008740140003000009945600000 Your accatint is WS-UWd by ProvicCiiW National Bantc 'E'ilfort. NIi--------------------- rW-Te„w - We Are upda*q Your Account terms to change to fee for certain payments by phone. Effst;&a March 1, 2DO3, if You use our optional On-Retwoot Service for Pay3mart(SM) to make a payment by phone from your personal checking -unt: to your Account with us, we may 0ar4a a fee of $14.95. This fee is a RNANCe CHARGE. Our M0n9dy Recurring service for PaySmart wig remain free of charge. Additionally, plane sae the Important notice (enclosed) regard rlg other changes to your Account terms. The table bok w lists the standard Annual Percentage Rate (APR) Information that will apply to your Account as of the data printed in the enclosed notice: Rate Table Purchase Amount error Prime Rate: 19.74% (23.99% APR as of January 2003, 0.0657201X. DPR) Cash Amount over Prime Rate: 19.74% (23.99% APR as of January 2003, 0.0657287E OFR) PROvw" mA$TERCARC! TRANSAG n5N$ Post Date ftLidw Trans 0 at9 Reference Number Amou 12-'SOUNI-141ART #04229 LEMOYNE PA 12-26 2354751236111835901008# 5542 220.00 01-211PAYMENT RECEIVED -- THANK YOU 01-21 75417283021850660970249 0000 40.00 PY ACCOUNT SUMMARY ACCOUNT NUMBER , $542.8520-0087-4014 Previous Balance $996.13 Days in Billing Cycle 29 - Crklits, - Payments .00 Statement Data 01124!03 + tta Ottrer Charges 40.00 20.00 Minimum Payment Payment Due Date $30:00 Cash Advances Cash .00 Ort20f93 + FINANCE CHARGE: Credit Line $1,000.00 On Balances 19,43 Available Credit as of Statement Data $&44 Late Chwve 00 Available Credit for Cash Advances as of Statement Data $5,44 a NEW BALANCE $994-56 Average ANNUAL Daily Type of Balance Daily PERCENTAGE Periodic Balance RATE Rate Purchase $1,019.62 23.99% .005928% Cash Advance $,Do 23,99% ;086728% For 24-hour Automated ACCOUnt Information call 1-800-356.0011 or visit u t C 06WOttOM -14an -VMR , s a www .providianonline FOR BILLING ERRORS AND IMPORTANT INFORMATION SEE REVERSE SIDE. .com. BALANCE AS PAYMENT OF iW22102 WE DATE MINWA M PAYMENT AMOUNT ENCLOWD ACCOUNT NUMBER 5542-8520-0087-4014 T1011.08 EG22,2002 530.00 ? indcate change of address on bock rake Payable to PROVIDIAN MASTERCARD 'Fl it tti'Illllllll l,lll it iltl tit ?I'111:'?IIIII ti 1711'Il/lf llii? PROVIDIAN MASTERCARD Please be sure PO Box 9539 -4 this address appears MANCHESTER NH 03108-9539 in the window. Page 1 of 1 DEBORAH L GRAHAM 000000 902 ALLENVIEW DR MECHANICSBUR'G PA 17055-8604 Ii,J111rJClt?nlltlttltl.I.?Ilrll„ll,tirl,lilttt1i11,IttLII 55428520008740140003000010110900000 Your account is issued?liy Provitlian National Bank, Tilton, HFi. - _ ` -' "' -'' _ _ _ _ _ _A YOUR ACCOUNT 1S OVERLIMITI Your accent balance is Currently 511.09 over your approved credit line. Please pay at least this amount in addition to the f05nimurn Payment shown at the top of this statement. To help keep your account In good standing pious maintain your account balance, including any current or potential finance charges and fees, below your credit line. Need a quick answer to an account question? 9a sun to try the 'ASK US' feature on our 1Heb site at www.Pmvk0anOnlinexa m Wdayi Post owe palliodbuo Trans Date Reference Number 11-04SHEETP #201 MECHAiNICBURG PA 11.02 23483072307230733439a64 5541 1 1i6 1-04SHEET2 $201 MECHANICBURG PA 11-02 23483072307230733641943 8542 17.00 11-0601ANY FOOD STORE 012.0 MECHAN.ICSBUR' PA 11_--04 23418732309507766462327 5542 16.00 11-OBHESS 0 38418 MARYSVILLE PA 11`-06 235480723Y16O4O 0088586 8542. 2.0 .80 11-19PAYMENT RECEIVED -- THANK YOU 11-18 ! 754172823228506146b2361 0000 . 40.00 PY 11-18TU9KEY-HILL #0240 MECHANICSBUR6 PA 11-15 234440023213198a3220314 5542 18,00 1t-25TURKEY-HILL 00240 MECHAHICSBURS PA 11-23 2$444002326523 3510500 5542 17.50 ACCOUNT SUMMARY ACCOUNT NUMBER 5542452E CBT-4414 Previous Balance $930.7$ Days in Billing Cyole 1 3 _ Credits ur .00 Statement Date 11125431 + Pv rchas"& Other Charges 1 0.28 Panmsnrt Du Pant D to y 530.00 Cash Advances 00 12!22!02 • FINANCE CHARGE Credit Line $1,000.00 On Batancea 20.06 Available Credit as of Statement Data S.00 + Late Charge 00 Available Credit for Cash Advances as of Statement Data $.00 NEW BALANCE $1,011.09 Average ANNUAL Daily Type of Balance Daily PE NTAGsE Par"c Balance RATE Rate Purchase $984.339 23.99% .008728% Cash Advance $AO 23.99% OS#i%287i For 24-hour Automated Account information call 1-800-356-0011 or vi it H ODDnannnn ARm Oren , s us at www .Prlovidianonrine .com. FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. &ALANCE AS PAYMENT McW1UM OF 10125!02 DUE DATE PAYMENT AMOUNT ENCLOSER ACCOUNT NUMM 5542-8520-0087-4014 sg3D,?s ovzt,zoa2 rte. kw0ca* change of address on bock Malta h its Payable to PROVIDIAN MASTERCARD PrwAdfgn Ilfrrrnlirrr1lllL1lrlula1.11irli irarll1I#I#N0irrltlr,I 1 k I I PROWOM MASTERCARD Please be sure PO Box 9539 ? this address appesn MANCHESTER NH 03108.9539 in the window. Page 1 of 1 DEBORAH L GRAHAM` Dooood: 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 rrrlllrerlll?urla:rdrLl„halinll,?rrlulllrrrerlrlrrlr 55428520008740140002800009307500000 Your account is issued by Frar?Idiar Natrona! Bank, Tlttin.. Nli. - - - - - - - - - - - - - - - - - - - - - - - - - - rureara- A.. MMES M Pit IAN MASTERCARD Get a FREE: CREDIT REPORT when you register for Ordira Senipesi 1r *e suro. your M* intemnstion is awur m andprotect song possible credit tout or 4mytsy theft. Rrgiatar today at www.ProYidlsnOnib+e.com W1yGr9& PFfMDIAN MASTERCARD TRANSACTIONS fta aft 094ah Lion Trans Date Reference Number Amouxtt 10-23PAYMENT RECHIYED -- THANK YOU 10-23 7541T2e2296a80634621019 0000 80.00 PY ACCOUNT SMARM ACCOUNT NUMBER 5542-852t>-QG&T-idi4 Previous Balance $961.71 Days in Baling Cycle 30 - Credits - Payments .00 Statement Crate 10125102 + Puurchaass 3 Other Charges 5001108 Minimum nt Dus Date Payment $28.00 * Gash Advances .00 11121102 + FMA1CE CHARGE Credit Line St On ealartcsa 19.04 Available Credit as of Statement Data 6925 + Late Charge w N 00 Availltble Credit for Cash Advance[ as of Statement Date $89M EW BALANCE $930.75 Average ANNUAL Daily Type of Balance Daily PERCENTAGE Periodic Balance RATE Rate Purchase $965.85 Cash Advance 23.98% .066rn% S.00 23.9916 .0"0% For ?A-hour Automsbsd Account information, call 1400-35$-0011 or visit us at wvwv.providtanon?llntt ct>m D 0000400oo 3en isae . , FOR SILUNG ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. BALANCE AS PAYMENT MINIMUM OF (ISMA 02 DU9 DATE PAYMENT ACCOUNT NUMBER 5542-8520-0087-4014 1;881.71 T22,2002 12800 p Indicate char" of address on bsck PROVIDiAN MASTERCARD PROVIDIAN MASTERCARD Please be sure PO BOX 9539 4 this address appears MANCHESTER NH 03108.9539 in the window. I,1111...II(„„L,I.11.111.;1.. II1 , Pagel of I DEBORAH L GRAHAM 000000 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 55428520008740140002900009617100000 AMOUNT 9NCLONO Make Checks Payable to P"WhItan Yost account Es issued by Providian National Balzk, Tlttoin, NH. OE7ACN -HERE 0 MESSAGES FROM PROVIDfAN MASTERCARD Need a quick answer to an account question? Be sure to by the "ASK US- feature on our Web site at www.PmvktianOnlieu.=n todayi Pt10VWtAN MASTERCARD TRANSACTIONS Peat Date QlF3Ecripti?? Trans tg Refererm Numyt?r Amours 08'29SPRING"AID 1564 LANCASTER PA 08-28 70541862241072016659054 5231 80.00 O8-SOSNEE7Z tF20I. NECHANYCSUR6 PA 08-29 23483072242224231948614 5542 15.55 09-09TEXACO INC 91002705549 WELLSVILLE PA 09-06 23432862250008927197145 5541 8.84 09-19PAYMENT RECEIVED -- "ANK YOU 09.19 75417282262850648770299 0000 50.00 PY FOR BILUNG ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER 5542-862q-00111- 014 Previous Balance $887.93 Days In BRUng Cycle 30 - Credits .00 Statement Date M25102, ' Payments 50.00 Minimum Payment $29 00 t Purchases 6 Other Charges 104.39 Payment Due Date . 10127102 + Cash Advances .00 • FNYANCECHARGE : Credit Line $1.000.00 On Balances 19.39 AvallaWe Credit as of Statement Date $36.29 + Late Charge .40 Available Credit for Cash Advances as of Statement Data $38.29 = NEW BALANCE $961.71 Average AA0Vt1AL Dally Type of Balance Daily PERCCENIAGE Periodic Balance RATE Rate Purchase $983.29 23.99% .065728% Cash, Advance $.00 23.98% .0657x6% For 24-hour Automated Account information, call 1-800-356-0011 or Visit us at www.providianontine.com. _r nnAannnnn ac.c .:... BALANCE As PAYMENT MINIMUM OF 06126/0?. DUE DATE PAYMENT ACCOUNT NUMBER. 5542-8520-0087-4014 5897.93 SEP22,2002 S2T.00 Indieata change of adrpass on back PROVIDIAN MASTERCARD ???(nul'?urllill?t?lnlrlrlrrrirlr?rllilrlnnli?i?luli?rrl PROVIDIAN MASTERCARD Please be sure PO BOX 8539 this address appears MANCHESTER NH 03I M9539 1 t f In Ora window. I n 1111 ntIl11rur1ttir In IIlri LLlrt?llrNrrNlrriiil UXtlti„l, ?i Page 1ofI DEBORAH L GRAHAM 0ooo00 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 554285200118740140002700008879300000 AMOUNT ENCLOSED ?. t$ USM Chocks Payable to Providtan ---------------------------- - ---------- ---------- ri-- Your asxtwnt is issued by Provldian National Bank. Tilton, NN, DETACrI ErtE 0 MESSAGES FROM PROVIDIAN MME Want us to nendrld you when your payment is &w? Stye-up for Free E-map Alms who n you vutt www.Prov %w0nthe.ctiwn iodayl PRO WDUIIN MASTERCARD TRANS NS Post me Deacriotion Trans Date Reverence K%mber Amount 07-29PETSMART a DS63 MECNANICSSURG PA 07-26 80483072203220870669774 $995 58.79 08-02HES3 a $8418 MARYSVILLE PA 07.31 23548072213604000087668 5542 8.30 09.21PAYMEMT RECEIVED -- THANK YOU 08-21 1541728223U506756Z1416 0000 100.00 PY FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUMMARY ACCOUNT NUMBER SS42-85204UT-4014 Previous Balance $900.70 Days in Billing Cycie 32 - Cradlts .00 Statement Data 08[28!02 - Payments 100.00 Minimum Paymow $27.00 + Purchases 3 Other Charges 67.09 Payment Due Date 09112!02 + Cash Advances + F la CHARGE: .00 Crodit'Line $1.000.00 On Ba ? x AVailabie Credit as of Statw mutt oats $112.07 + L? C$a .00 Avlkilatlie Credit for Cash Advances as of Statement Date $142.07 = NEW BALANCE $887.93 Average ANNUAL Daily Type of Balance Daily PERCENTAGE Psrd"c Balance RA T€ Rata Purchase $957.52 23.99% .085726% Cash Advance $.00 23.99% 06572875 For 244hour Automated Account information, call 1-800.355-0011 or visit us at www.providianonfine.com. 3696 ia4v BALA"AS PAYMENT MROIUM OF 062"2 DUE DATE PAYMENT s5 2-nR 0087-4014 saar.93 se1`xx.soox t27:D0 0 Mweksp dorve of awdn33 on back PROVIDIAN MASTERCARD PROVtD1IW MASTERCARD 1`10090 be sure PO 80X8533 .4 this address appears MANCHESTER NH 03108-8539 in the window. I,,,I1411111 111 11 ,I,I.I,.I.,II„1I,0 11 111111,rr„i,11.111 Paget oft DEBORAH L GRAHAM 00m 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 55428520008740140002700008879300000 A WOUNT ENCLOSED I $ Make,rovidian Checks Payable to `(out` accoli W is Iastaed by ItroVitifiki WC07Wai bank, 7'iltkirn 114A - - - - - - - - - - - - - - - - - - -oerapi i.E-R-E 0 MUSAGM IAA PR5Vib1iNN fYFASTERCAft Want us to remind you when your psymem in duet Sipe up for Free E-na AIMS whin you vM www.PrevkliaiiCl 9in9.com wdayi PROYIDIAHI WAS`I'MAM IMMSACnoVs PWPMN Description Tmns testa Ra nce Number Amou 117-29peTSNAR7 M 05*3 NECNANICSBUR6 PA 07-26 8046307Z203$208700E9774 5995 88.74 08-02NESS 0 30418 NARYSVrLLE PA 07-31 23548072213804000087868 5842 0.30 08-121PAYNENT RECEIVED -- TNANK YOU 08-21 ?S41T262233830878621416 0008 100.00 PY FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT SUM" ACCOUNT NUM8ET2 '3542-85if7-?fD14 Previous Balance 390010 Days in Billing Cycle 32 - Credits :90 StatOrtwnt oats 00/26/02 - Payn+ents 100.00 Minirmurn Payment $2740 + Pub 3 0111W Charges 67.09 Payment Due Date 09122fOZ + Cash Advances .00 + F#WVCE CHARGE: Credit (tee 51,000,0 On Ball neap 20 14 Available Credit as of Statement Data $112.07 + Lift Charge . 00 Available Craft for Cash Advances sea of Staten wit Date $112.07 = NEW BALANCE $887.93 Average AAW A4L Daily Type of Balance Daily PERGENYAGvE Periodic Balance RATE Rate Purchase $937:52 23.99% .085726% Cash Advance S.00 23.99% .065726% For 24-hour Automated Account Information, call 1-800456-0011 or visit us at www.providianonflne.com. 1000000090 36$61540 eALANCE AS PAYMM mommM OF 071A1a2 DUE DATE PAYMENT ACCOUNT NUMBER 5542-8520-0087-4014 1+1100.70 91, $27.00 InI tme ebo gs of addrm on molt PROVIDIAN MASTERCARD III.?,..II,,,,Irrh,,h,I?lel?rer?l? edt, ?1,?„rl,1.r„rL„r PROVIDIAN MASTERCARD Please be sure PO BOX 11339 44 this address appears MANCHESTER NW 03108-9539 In the window. I I I I I I I „,IIIIIIII,1,IIIIIIII1011111111011Ie11I111111r1I,,I,II Wage i of t DEBORAH L GRAHAM 000000 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 55429520008740140002700009007000000 AMOUNT 01CLOSED (. ,.., Is Make Checks Payable to Providian You; acccluW is issued by P;crvrif Naiianal Bank, Timor;,-NF1. - - - - - - - - - - - - - - - -OHTpG# tE-enE IMPORTANT NOTICE. We are amendhng your Account AWeemsnt as "aimed below. Please r*W this notice carefully and keep It for your records. APPLICATION OF PAYMENTS: Effective 3epternbor 1, 2002, payments will be applied first ID finance charges and tees, than 10 the bounce type with the btwst APR. wd that baiaitce type has bean paid, and #W to the balance type weft the most lowast APR, need that bounce Ma has teen Pod. and so on, until ad balance types haw been paid. amnow Of 'bounce types' Include Cash Adearnae and Purchase Balances. PR17MI71A21 MASTERCARD TRANSACTIONS em Qdg 111 Trans Oats Rs#ere c .Mum6wr Amourt 07-OIPAYNEHT tt£C£IVE11 -- THANK YOU 07-01 T54i72821$2630851180137 DODO 976.40 PY 07-12PAYNENT RECEIVED - THANK YOU 07-12 75417282193$50665102891 0000 6.35 PY 07-16TURKEY-HILL #0240 MECNANIC$SUAG PA 07-13 23444002196467714874135 5541 2.04 07- 2411ECHANIC8URG CARPET NA MECHANICSBURG PA 07.22 92429792204120202010163 $713 878.32 07-25WAL MART NECHANICSSUR PA 07-23 70483622205310836472449 5310 14.65 FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUNT S WNIIIARY ACCOUNT NUMBER 55424520407-4014 Previous balance $982.95 Days in 8110ng Cycle 30 Creglts .00 Statement Dale 07/25/02 Payments 852.95 Minimum Payment $27,00 + Purchases b Other Charges 885.01 Payment Due Date 48/21102 + Cash Advances + FMNCECHARGE; 04 Credit Line $1,000.00 Of Bounces 5.69 Avanlable Credit as of Statement Data $99.30 + f large .00 Available Credit for Cash Advances as of Statement Date $99.30 = NEW BALANCE $940.70 average ANNUAL Daffy Type of Balance Daily PERCENTAGE Periodic Balance RATE Rata Purchase $268.08 23.99% .00=2111% Cash Advance $.00 23.0% .08v+n6% Far 24-hour Automat d Account lnfortn&on, call 1-800-356-DO11 or vWtt us at www.Providiamnffne.com. 13000 TaW7 BALANCE 2 DIE DATE PAMINIMUM Cw YMENT AMOUNT ENCLOSED ACCOUNT NUMBER 5542-8520-0087-4.014 f9e2.95 UL 22.2002 520.00 1$ ? k1de4e chOpe or atdrou on bock T haeks Payable to PROVIDiAN MASTERCARD ridia lilt$ 1111111111111111141 1101111114111111111111 If 111 PROVIDtAN MASTERCARD Please be sure PO lox 209 4 this address appears MANCHEMR NN 031084539 In the window. I,r,Illy„111,,. I,I,.Ir1,L,lrrllrrllrr,,Ir1111,tt ,i,i,rl?ll Pagel oft DEBORAH L GRAHAM 000000 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 55428520008740140002900009829500000 Your account is isstial by Aioidd ari Natiaital Bartle, Tifton,. 911 - - _ _ _ . - - - - `DETACH WPIW 04 - S a tlntt - 00 QNkW to VIOW YOW accaur t *kmoliao, pay your tdN, aio-p 11- E-mell ANNts, and more. VM www4roridlsnm0lins com WWI TR/kNSACT1ows post Descrfrytion Trans Date Reference Number Amou+rt 06-24PAYMENT RECEIVED -- TNANI( YOU 06-24 7541?202175552009303233 0000 50.00 PY 06-24PNOME PAYMENT PEE 06-24 75417262175147175043273 0000 9.95 " AVAILABLE CREDIT ** Your Total Available Credit is $17.05 $47.05 of your Available Credit can be accessed for Cash Advances. " The portion of your credit line that can be used for Gash Advances is limited to $1,000.00. FOR INL UNG ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. Nurnber of Days in Billing Cycle 28 Previous Balance - Credit $1,004.40 Account Number 5542 8520 0087 4014 s .00 Purchase Cash Advance " Payments Purchases 8 $0.00 Average Daily Balance $1,010,43 $.00 Credit Line" $1,000 ottw Charges • Cash Advances .00 .00 ANNUAL Available Credit :17.05 + FWANCE CHARGE: On Bal l 60 PERCENTAGE RATE 23.99% 23.09% Minimum Payment Due $29.00 ar m Phone Payment Fee 18. 9.95 Daily Periodic Rate .065726% 085726% Payment Due Date 071=02 * Late Change .00 = NEW BALANCE $982.95 ANNUAL PERCENTAGE RATBhis billing cycle M.- a1M:w .Mnw. $ALAN= AS PAYMENT Meaale OF 05/bm DUE BATE PAYMENT ACCOUNT NUMBER 5542-0520-0057-4016 ;1,00440 uNTa2001 S30A0 Q k1d aD chwP ar address on ha PROVIDIAN MASTERCARD II I I I I II l I i I# I II I I i I I I I I I I I I I a I I I I 111 I i I r 1111111 I I I I f I I I I I) 111 PROYtDiAN MASTERCARD Please be sure PO BOX 9039 .+ this address appears MANCHESTER NH 03108-9539 in the window. 111111111,11111111111011111,1111111111rI,it,?11I/IIrli1I111r11 Page 1 of 1 DEBORAH L GRAHAM 000000 902 ALLENVZEth/ DR MECHANICSBURG PA 17055-8604 5542$5200087401400030000x10044000000 AMOUNT 84MOMO Ms1at ChecWc Payable to Provi C Ycxtr acciaunt is-it;siit?d by Protilcllan National Bank, Thi n, Nt . - - - - - - - - - - - - - - - - -M-ACFhHERE W UiIE ES WO-M PROViDiAN MASTERCARD eiVY1 ••?•••??? •?•••• YOUR ACCOUNT IS OVERLWTI Your account balance is currently S4AO over your appmved credit limit. To avoid additional overlimit fees, pleas pay the over0rtdt amount along with your current amount due. Maintaining an account balance below ytcwr approved credit limit vAl keep your account in good standing and help you have access to credit when you need it Save lime - go ordkw 110 t1Mw Your account WOMINO i, pay Brow W WWI--W for Emil Ale t, and mate. Vialt ow arprovitlistvoline cm todeyl S Eft 20 Dug" Trans Data Reference Number Amount 05.09PAYPENT RECEIVED THANK YOU 05-09 7754172s2129s50s59771367 0000 60.00 PY 05-17MAL PART "ECNANICSBURG PA 05-15 704113622136314104102338 5310 16.79 •r ffl BI CREST " Your Total Available Credit Is $.00 $0.00 of your Available Credit can be accessed for Cash Advances. The portion of your credit tine that can be used for Gash Advances Is limited to $1,000.00. FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUW SUMMARY STATEMENT DATE 0&'2M2 PAYMENT WRI"AIM Number of Days in Bitting Cycle 32 Previous Balance $1,026.44 Account Number 5542 8520 0087 4014 - Credits .00 Purchase Cash Advance - Payments 50.00 Average Credit Line $1,000 Purchases d Daily Balance $1,008.52 S.00 other Charges 16.79 Available Credit * ;.00 + Cash Advances .00 ANNUAL + F#AA CE CHARGE: PERCENTAGE RATE 23.99X, 23.999E Minimum Payment Due $30.00 On Selences 21.17 Late Charge .00 Daily Periodic Rafe .055720% .065726% Payment Due Date 08/24102 m NEW BALANCE 51,004.40 W .IW F" JWP p9mo 6ALANCE AS PAYMENT MINIUdM. ACCOUNTNUMBER OF#4*M DUE DATE PAYMENT AMOUNT ENCLOSED - 5542-x520-0087-4014 $t,OZe44 V23,20D2 S3,A0 kww-w drarw of add sssvn t.de Make Checks Payable to PROVIDIAN MASTERCARD Providian III,,,r,LLe„Mlle,er,Ul,lr„I,I,,,ILI,I,,,rII,LI„Ilrrrl PROVIDIAN MASTERCARD Please be sure PO SOX 9539 ? this address appears MANCHESTER NH 03108.9539 in the window, hr,111„rJll„r,LL,IrJrir?1i:11rr1Lr,,l,rlih,rrrlri;rl,ll page IOf I DEBORAH L GRAHAM Oom 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 55428520008740140003100010264400000 --------------->- ----------- - Ytwr account Is Ist" by Providian t+iatlcsrtal Rank, "tan, NN. DETACH WE YOUR ACCOUNT 1S OVERLWrrl Your account balance is currently $26.44 over your approved credit limit. To avoid additional ovedimfit tees, please pay the ovedimlt amount along with your current amount due. Maintaining an account balance below your approved credit limit will keep your account in good standing and help you have access to credit when you need h. TRAiiI$ACTIOt!iS EM Date tetian Trans Reference Number Amount 04-22PAYNENT It£C61VED -- THANK YOU 04-22 754172921125!52075490550 0000 55.00 PY 04-23PHONE PAYMENT FEE 04-22 75417282113147113296400 0000 9.95 inn i.rrrr r+ .Y.eq ..E EQIT "Your Total Available Credit Is 5.00 $0.00 of your Available Credit can be accessed for Cash Advances. * The portion of your credit line that can be used for Cash Advances is limited to $1,000.00. FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. Number of Days in Billing Cycle 30 Previous Balance $1,050.72 Account Number 5542 MO 0087 4014 - Credits .00 Purchase Cash Advance - Payments 55.00 Average Credit Line" $1 000 Purchases & Daily Balance 51,053.20 $.00 , other Charges .00 Available Credit 5.00 + Cash Advances .00 ANNUAL CHARGE. PERCENTAGERATE 23.99% 23.99% Minimum Payment Due $31 00 On Baps 20.77 . Phone Payment Fee 9.85 Daily Periodic Rate -065726!6 .065726% Payment Due Date OW23102 Late Charge .00 - NEW BALANCE 51,026 A4 ANNUAL PERCEWAGERATBills billing cycle 35.00% wvywwu .rwv pumv BALANCE AS PAYMENT MINaU1M ACCOUNT OF 03!27!02 QUE. DATE PAYMENT AMOUNT ENCLOSED 5542-8520520 ? -0487-4014 $ 51,050.72 823,2002 f32A0 ? YI tMn CAtffp of address 0. boa PMake Ciar?, ks Payable to PROVIDiAN MASTERCARD II?Iitll?'tlli'I?Iltl?ii?111111 F11?flfllll llfft/61f?1'lllllill PROVIDiAN MASTERCARD Please be sure PO Sox t , this address appears MANCHESTER NH 031084539 in the window. IlIIIIIIIIIIItI,IIIIIIIIIII#IIIIIIIIIIIIIILIIIIIIIIIIIIIIIIII Page Iof I DEBORAH L GRAHAM 000000 902 ALLENVXEW DR MECHANICSBURG PA 17055-8604 55428520008740140003240010507200000 Your ai count is issued by Prtiiirldl7ir National Bank, T }trui. NH. " - - - - - - - - - - - _ - ng-rAm ; ? ;i " YOUR ACC(k7NT IS OVERLIMMI Your account balance is currently 150,72 over your approved Credit 0mk. To avoid additional overlurtit fees, please pay the ovedimit an of a" with your current arwunt due. Maintaining an ecoount balance ba i" VOW approved ors* Omit will keep your account in good standing and help you have access to Credit when you need k. FEDERAL TRUTH IN LENDING DFSCI,ASURES UPON RENEWAL OF ANNUAL FEE SEE REVERSE FOR IMPORTANT 1NFORMATIQN TRAPOACTION 1 gn Trans ftftence Number Amount 83-21PA'YMENT RECEIVED -- THANK YOU 03-21 754172820808508570503180000 35.00 PY 03-27ANNUAL FEE 03-27 0000 59.00 '* A1fA?4131.E CRE?DTf Your Todd Avail Credit Is ;.00 $0.00 of your Available Credit can be accessed fdr Cash Advances. The portion of your credit line that can be used for Cash Advances is limited to $1,000.00. FOR BILLING ERRORS AND IMPORTANT INFORMATION. SEE REVERSE Sidi ACC SUMO ty TA FlAtE 03/27102 PAYM IN MA`rM Number of Days in Billing Cycle 30 Previous Balance - Credits 81,006:80 Account Number 5542 8920 0087 4014 .00 Purchase Cash Advance - Payments Purchases d 35.00 DailBalance $1,010.17 3.00 Credit Line $1,000 Dow charges • Cash Advances 59.00 .00 . ANNUM Available Credit"` 3.00 FINANCE CHARGE. PERCENTAGE RATE 23.99% 23.99% Minimum Payment Due $32 00 On Balance$ 19.92 . Late Charlie US N@VN BALANCE 00 $1,050.72 Daily Periodic Rate .065726% .065720% Payment Due Dare 04/7.3/02 OOBardi nan arum sons BALANCE AS PAYMENT MaaMUM CF-82MM DUE DATE PAYMENT AMOUNT ENCLOSED 5542-a520-0087-4014 NUMBER SG2-E920-OD87-8014 1 it,OBC:so z4,ztitct S3o.o0 bueeMe ct np of am"vu on bepk P M&M Ct b PAyable to PROVIDIAN MASTERCARD PROVIDIAN MASTERCARD Phiase be sure PO BOx 9539 +' this address appears MANCHESTER NH 0310E-9539 in ttua window. 11111111#111111to 1?1??Intllit 111111411111118#11111,001 Pagel oft DEBORAH L GRAHAM 000000 402 ALLENVIEW BR MECHANICSBURG PA 17055-8604 554285200087401400030000100E,8000000 1(o lr accdiin# is issued 6y 'Prclvlt-itari i4whal bank, Tilton,. I61. - - - - - - - - - -oerw; a- - ME88AGlrS 1rRt?M PROYIDIAN MASTERCARD YOUR ACCOUNT IS OYERLIMiTI Your account balance is currently $6.80 over your approved oredit limit. To avoid additional overlimit toes, phrase pay the overlindt amount along with your current amount due. Maiming an amunt balance below yow approved credit Omit will keep your account in good standing and help you have accees to credit when you need 1L I?? irrn.r Irr?rrrr?r? Plesee Note: in yew Docembsr 2001 bfty stdonIord we pent you an wVortant Notice of Chandra to YDW Account Agree nwit Ilutt Included a paragraph sbfp that your Annual Parow4W Raw W" was gohp lobe Increased. Thst ssctiwa of ttNr Notice Y Incorrect and does not appltr to your Account. WE aP01001M for anyincor&Vriwtce or confusion that tinge nW have caused. M other team s ! In so Notice will may. TWU11SACTiONS P_og Qate Description Trans a Reference Number ou No Activity This Month r??lrrrrr? ?? # AYAIt.I?t.E CREDR Your Total Available Credit is $.00 $0.00 of your Available Credit can be accessed for Cash Advances. The portion of your credit line that can be used for Cash Advances is limited to $1,000.00. FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. Number of Days In Bitting Cycle 31 - ' Previous Balance $1,006.80 Account Number 5542 $520 0087 4014 - Credits .00 Purchase Cash Advance . Payments .00 Average Credit Line" $1,000 + Purchases III Daily Balance 3.00 $.Do ottwCharges 00 Available Credit $.00 + Cash Advances . ANNUAL FINANCE CHARGE. PERCENTAGE RATE 23.999E 23.99% Minimum Payment Due $30.00 On Balances DO Late Charge .00 Daily Periodic Rate .0667267E :065726% Payment Due Date 03124/02 = NEW BALANCE $1,006.80 wwwrw .iwv n.1 a 1 BALANCE AS PAYMENT MINIMUM OF 01re"2.. DUE DATE PAYMENT AMOUNT ENCLOSED ACCOUNT NUMBER 6542-8520-0087-40.14 f1,fa06.90 DEFERRED >rA0 Is ? Indica4 chww d.ddrm an back Make Checks PAPble to PROVIDIAN MASTERCARD Illkkkiklll„kll11ikllk.11011111111141011,1801„I I I I I I I I I I I I I I PROVIDtAN MASTERCARD Please be sure PO BOX "" 44 this address appears MAWMESTER NH 03108+9539 in to window. Itt,III,k1III it It [fit III 111011111[1MIMIIIII It 1III It Is IIIII Pagel aft DEBORAH L GRAHAM 000000 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 55428520008740140000000010068000000 Your a xourFt Is issued tip i roirlciiari National iliiantc- Tiita?n - - - - - - - - - - - - - - - - NN. 0 ? -DETATACH HERE )Y MESSAGES FROM PROVIDIAN MASTERCARD YOUR ACCOUNT IS CURRENTLY UNDER CREDITPF40TECTION ACTIVATION. PAYMENT IS NOT DUE AT THIS TIME. ?..??.. TRAWSACTIQiYS Post e Descri rtion Trans Date Refer n mbar Amount No Activity This Month AYAiI.a1BLE CREDIT Your Total Available Credit is $.00 $0.00 of your Available Credit can be accessed for Cash Advances. The portion of your credit line that can be used for Cash Advances is limited to $1,000.00. Previous Balance - Credits - payments Purchass 8 other Charges 1 Cash Advances P FWANC-e CHARGE: On Sjunces Lacs Charge NEW BALANCE FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. Numbet of Days in Billing Cycle 30 - 51,00S.BC Account Number 5542 85200087 401, .00 Purchase Cash Advance .00 Average Credit Line $1,000 Daily Balance $.00 5.00 .00 Available Credit $.00 .00 ANNUAL PERCENIAGERAT€ 23.9976 23.99% Minimum Payment Due $.00 100 All Daily Periodic Rate .0$5726% OW126% Payment Due Date DEFERREI $1,006.80 000000000 3686 A151 BALANCE AS PAYMENT MINIMUM ACCOUNT NUMBER OF 11t27Nt DUE PATE PAYMENT 5542-8520-0087-4014 5100680 D€FERREO g,pp M OC860 cheope of address on tads PROVIDIAN MASTERCARD III/111 I N r 11 I I I I 11101081111161111110411 #111 11111111111'11111 PROYIDIAN MASTERCARD Please be sure PO BOX 9538 4 this address; appears MANCHESTER NN 031084538 in the wkxkw. 1111111M11Ln1111.41111111111111111111111111111x1,111,11111 Pagel of1 DEBORAH L GRAHAM 00M 902 ALLENVXEW DR MECHANICSBURG PA 17055-8604 554285220008740140000000010068000000 AMOUNT ENCLOSEO C Pmvidinn Payable to Your account is issued by Pri diari National gaa, T1ton, all - - - - - - - - - - - - - - - - - `DaTectu KW? ? MESSAGES FROM PRMIDM MASTERCA RD YOUR ACCOUNT IS CURRENTLY UNDER CREDIT PROTECTION ACTIYA110N. PAYMENT IS NOT DUE AT THIS nmE, TRANSACTIONS Pod Date cri ion Trans Dade Reference Ntmtinr Amourrt No Activity This Month aYNiJ t E CREDIT Your Total Available Credit is $.00 $0.00 of your Available Credit can be accessed for Cash Advances.. The portion of your credit line that can be used for Cash Advances is limited to $1,000.00. FOR INLLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE ACCOUNT SUMMARY STATE DATE 1112x/01 PAYMENT t RMATION Number of Bays In Billing Cycle 33 Previous Balance $1,006.E0 - Credit Account Number $542 8520 0007 4014 s .00 Purchase Cash Advance . Payer • .00 Average Credit Line " $1 000 * Purchaeee & Daily Balance 5.00 $.00 , other Charges 00 + Cash Advances .00 ANNUAL Available Credit"" $.00 ? PIWANCECHARGE : PERCENTAGERATE 23.99% 23.99% Minimum Payment Due $.00 On Balances .00 + Late Charge .00 = NEW BALANCE $1,006.60 Daily Periodic Rate .065726% .065726% Payment Due Date DEFERRED 000000000 3698 A151 BALANCE AS PAYMENT milmuld OFI&AW&I DUEOATS PAYMENT AWWWrENCLOSED ACCOUNT NUMBER 5542-8520-0087-4014 51,00680 DEFERRED 5.00 ? Wdicab chalae of address Go back Mane Checks Payable to PROVIDIAN MASTERCARD Provddian IIIIIIIJ111,11111„111, 1,III,NI.11„llll,ll1 01L1?h?11/11l PROVIDIAN MASTERCARD Plesse be sure PO BOX 9539 this address appears MANCHESTER NH 03108.8539 In the window. I,Mill,llll11ilhl,.IIIIIIIIIJI,1IllrI?LIIILI?I?LL11?i1 Page 1ofI DEBORAH L GRAHAM com 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 55428520008740140000000010068000000 Your account is issued by Pcavidian National Bank, Tilton, NH--------------------- r>EiACH rWfi p - WSSAM t=ROM PROVIDUW MASTERCARD ••• • YOUR ACCOUNT IS CURRENTLY UNDER CREDIT PROTECTION ACTIVATION. PLEASE DISREGARD THE MINIMUM PAYMENT AMOUNT ABOVE. PAYMENT IS NOT DUE AT THIS TIME. TRANSACTICINS Post e Description Trans Dats Reference Number Amount No Activity This Month I??1 - IIWII?Iil1 O All av.?E cREDrr *` Your Total Available Credit Is $.00 $0.00 of your Available Credit can be accessed for Cash Advances. The portion of your credit line that can be used for Cash Advances is limited to $1,000.00. FOR BILUNG ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. Previous Balance . credits + Purchases 6 other charges + Cash Advances + AX AA[W O ARGE. On Balances Number of Days in Billing Cycle $1,005.80 .00 Purchase .00 lAwne Daily Balance $.00 .00 .a0 ANWAL PERCEWAGE RATE 23.99% .00 .00 Daily Periodic Rate 065726% 57,006.80 30 Account Number 5542 $520 0087 4014 Vance Credit Line$1,000 $.00 Available Credit "•' $,00 23.99% Minimum Payment Due $.00 .05T26% Payment Due Date DEFERRE awvuuwu "CM A7 D7 BALANCE As PAYMENT MUINIUM OF 08a=i DUE DATE PAYMENT ACCOUNT NUMBER 5542-8520-0087-4014 5100680 DEFERRED s? ? kidcap Nfanea of addro" on war PROVIDiAN MASTERCARD PROVIDUW MASTERCARD Piem be sure PO BOX 909 this address appears MANCHESTER NH 03103-SM in the window, II„I11..4111,nIIIII I IIIIlnI„11I,1IIInI14111nuIIIlni,li Page Iof I DEBORAH L GRAHAM 000WO 902 ALLENViEW DR MECHANICSBURG PA 17055-8604 AMOUNT ENCLOSED 1$ plan Peyabk to 55428520008740140000000010068000000 Your accounf ltl Issued by Providlart National Sank, Tii#cn, IM DETACH- tEN& 7t YOUR ACCOUNT IS CURRENTLY UNDER CREDIT PROTECTION ACTIVATION. PLEASE DISRWARD THE MINIMUM PAYMENT AMOUNT ABOVE. PAYMENT IS NOT DUE AT THIS TIME. I Plea read the enclosed notlea reganling changes to our P"Snwt (am) services. Post Daft Oescriotion Trans Date RReftrengg Number AmOuttit No Activity This Month ANAS,,a AU CREiNT Your Total Available Credit is S.00 $0.00 of your Available Credit can be accessed for Cash Advances. The portion of your credit line that can be used for Cash Advances Is limited to $1,000.00. FOR SILUNG ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE ACCOUNT Si3sIt11111ARY STATEMENT WE og1mi PAYMENT INFORMATION Number of Days in Billing Cycle 32 Previous Balance $1,006.80 Account Number W2 8320 0087 4014 Credits .00 Purchase Cash Advance Payments .00 Average Credit Line$1,000 + Purchases & Daily Balance $.00 COO other Charges .00 Available Credit $.00 + Cash Advances .00 ANNUAL + / tiAICE C/fARGE: PERCENTAGE RATE 23.99% 23,99% Minimum Payment Due $.00 On Balances 00 Lets Charge .00 Daily Periodic Rate .063726% .066726% Payment Due Date DEFERRE = NEW BALANCE $11006.80 000040000 3886 A181 BALANCE AS PAYMENT MINIMUM OF #W W DUE DATE PAYMENT AMOUNT ENCLOSED ACCOUNT NUMBER -0087-4014 31.Dp6.80 aEKERRECi s.N}0 r?---------' ^i 1$ 1 0 kWkap change of aftln an back Make Chocks Payable to e PROVIDIAN MASTERCARD III I I„IIIt04111Jlu,111 111411111111.IIIII I IIIIfIIIIIIn1II.t I PROVIDIAN MASTERCARD PNoase be sure PO BOX 9539 .4 this address appears MANCHESTER NM 03100-9539 in the whWaw. III#I lit, IlIlnul,(it 1.Ill, rlgo IInlIt to .lkrllis gill I Page Iof I DEBORAH L GRAHAM 00M 902 ALL.ENVIEW DR MECHANTCSBURG PA 17055-8604 55428520008740740000000010068000000 Your accaiirt is fssueci by Providiari Kati©na Bank, Tilton. NFi.- - - - - - - - - - - - - - - - - -DETACH hEIRE MR ES FROM MMIAN MASTERCARD YOUR AOCOUNT IS CURRENTLY UNDER CREDIT PROTECTION ACTIVATION. PLEASE RISREOARD THE MINIMUM PAYMENT AMOUNT ABOVE. PAYMENT 13 NOT DUE AT THIS TIME. TRAMACTWNS Post Date Descru tion Trans Dace Reference Number Amo n No Activity This Month w. MMAM CMD1T Your Total Available Credit Is $.00 $0.00 of your Available Credit can be accessed for Cash Advances. The portion of your credit line that can be used for Cash Advances is limited to $1,000.00. FOR BILLING ERRORS AND IMPORTANT INFORMATION. SEE REVERSE SIDE. ACCOt3NT MOM 6TATENIE>V'f' DATE 08/24101 PAYMENT INIP MATION Number of Days in Bitting Cycle 30 Previous Balance $1,006.80 Account Number 5542 8520 0087 4014 - Credits .00 Purchase Cash Advance - Payments .00 Average Credit Line" $1,000 Purchases 8 Daily Balance $.Do $.00 Other Changes .00 Available Credit Cash Advances .00 ANNUAL + FINANCE CHARGE: PERCENTAGE RATE 23.99% 23.99% Minimum Payment Duo $.00 On Balances AO + Late Charge .00 Dally Periodic Rate .085726% .0657289E Payment Due Date DEFERRED s NEW BALANCE $1.006.80 {1U999999U ;!I0W A151 BALANCE AS PAYMENT MINIMUM OF OTr25iet DUE DATE PAYMENT AMOUNT ENCLOSED ACCOUNT NUMBER 5342-8520-9087-4014 :t,oDS.aD DEFERRED f.00 1$ 7771 k km han" of addrM . bask Make CheCUS Payable to Providian PROVIDIAN MASTERCARD '??/11 illl ttit't3 ifitl t'i 11.111 r1 rI r11?I11 i?iLn'I?.'t'i tl?iN PROVIMAN MASTERCARD Please be sure PO BOX 9539 .? this address appears MANCHESTER NH 03108.9539 in ft window: 1rtr111n,111nuI?l??I,I?I,rhrllr?il?{nLnllln11rl.l„1,11 Pagel oft DEBORAH L GRAHAM 000000 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 55428520008740140003000010068000000 rWjr ajcstant s Issuos! by Provitlian Nab ai Sar1k, Tittprt, NH. - - - C>ETACH HEP1E is S triid= JYMVIOCARD YOUR ACCOUNT 0 CURRENTLY UNDER CREDIT PROTECTION ACTIVATION. PLEASE DOM43ARD T14E'M0 MUM PAYMENT AMOUNT ABOVE. PAYMENT 18 NOT DUE AT THIS TIME. TRAWACTlON3 Post Date Description Trans Date Reference Number ounL No Activity This Month AyAIURM CR?DtT Your Total Available Credit is $.00 $0.00 of your Available Credit can be accessed for Cash Advances. ** The portion of your credit line that can be used for Gash Advances is limited to $1,000.009 FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. Number of Days in Billing Cycle 30 Previous Balance $1,006.80 Account Number 5542 8520 0087.4014 . Cruets .00 Purchase Cash Advance - Payments .00 Average Credit Line" 511000 t Purchases 3 Daily Balance S.00 $M other Charges 00 Available Credit $.Do + Casty Advances .00 ANNUAL + FWANCECHARCE: PERCENTAGERATE 23.99% 23.99% Minimum Payment Due $.00 onsabuxm .00 • Late Charge .00 Daily Periodic Rate .065726% .065728% Payment Due Date DEFERRED A151 BALANCE AS PAYMENT MWWUM ACCOUNT NUMBER OF 06=1 Due DATE PAYMENT AMOUNT ENCLOSED 5542-8520-0087-4014 $1,00480 t7L20 200t ;317.00 is Q "cob chwgp or ante" on book Make Checks Payable to PROVIDIAN MASTERCARD Pravidian ,.,?Il?r„IIII,,,II,I,111r,7IIIIII IIIltu1llll,lrr311„1 PROWDtAN MASTERCARD Please be sure ;PO BOX 9535' ./ this address appears MANCHESTER NH j03108-9539 ( In the window. I„7g1111111i,illtl,?illilliii,li,illl?ltl/f III/t41il.If11?II Page lo 1 DEBORAH L GRAHAM DOOM 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 55428520008740140003000010068000000 DETACH HffRE ? MESSAMS FROM PROi1IDMN MAST04CARD `/our 40 0Unt is $6.80 Owr your $1,070:00 credit line. Wilt your Account Agneement may requite you W psyM overemit amount, we am om0 you the tionl ty of DOM only $30:07. Peft just lhla minimum due payment will leave your aomunt in an o"mmil share. Wa wo urape you to pay the additional S&W as soars as possible. TR/`V`1?1 N7a.7''rAC'T,FON ???I MM M Dest riptio ? Trans D to RwfCren2.Numbe Arnou 06-1iSHEETZ •201 MECHANICBURG PA 06-0e 23483071160116074784512 5542 17.25 06-20PHOME PAYMENT *CC IV D 06-19 75417281171050171308915 0000 60.00 PY' 04-253REETZ 4201 MECHANICSURG PA 06-23 23483071175117575D54564 5541 16.28 06- SSHEETZ 17201 MECHANICSURG PA 06-23 234630711751.17578055611 5542 24.60 =ME Available Credit Is $.00 $0.00 of your Available Credit can be accessed for Cash Advances. " The portion of your credit line that can be used for Cash Advances is limited to 31,000.0€1. FOR MILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE.. ACCOUNT SUMMARY STATEMEW DAYS W25f01 PAYMENT INFORMA11ON Number of Day!: in Billing Cycle 31 Previous Balance $988.33 Account Number 5542 8520 0087 4014 - Crpdtts .00 Purchase Cash Advance Paynworts 60.110 Average Credit Line $1,000 s 8 Purchased; Daily alance 5998.50 $.00 ~ Charges 53.13 Available Credit $.00 Cash • Advances .00 ANNUAL FWANCECHARGE: PERtCENTAGERATE 23.99% 23.99% Minimum Payment Due $30.00 On eaten" 20.34 ++ Late Charge .00 Daily Periodic Rate .065726% .065726% Payment Due Date 07120101 NEW BALANCE $11008.80 WYWWW JWV ^i9i BALANCE AS PAYMENT ACCOUNT UUMWR OF 05 001 DUE DATE PAY1090 AMw%rr 04CLOS® 5542-8520-0087-4014 i96ti.33 18,3001 ti3t1.00 tT Make Checks Payable k+dicate change of address an beck to PROVI©lAN MASTERCARD Promlan 11141144111111„ rirlisl1111,i11?r,ilrlli n ,1?I?I?Irlll}tl? PR0V1Di1W MASTERCARD Plasse be slue PO BOX 9539 + this address aPPeanl MANCHESTER NH 03108-8539 In the window. 11111 11 411111 11:u?r?t,?llrlrriwl:?.u11n„Ia4??In1u1. 11411 oil Page OI of 1 DEBORAH L GRAHAM 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 55428520008740140003000009883300000 .---------------- 4ETAGH HERE BILL PAY ONLINE: Sirnple, Sato, i Secure. Pay up to 15 bills w month with NO MOMWLY FEE for the first 2 months: Only 3&95hncnth atter,0lat. Each addManal pssmeM is lust $0.40. See how easy it is v fth au FREE TOUR at www.billpsyMeMmart.com. LOOKING TO REFINANCE YOUR CURRENT MOI1TGAGE? NEED CASH FOR HOME IMPROVEMENTS? Cd Full SP"WLvn UndbV tdt-free taday --- 1-e0"144*N --to find wit If ypu qua ft. 371sre'g w wA Or Ob nn when vwu call Full Spectrum Lwd m is a member of the COuWdywft Family TRANSACTIONS us am D ion Trans "relce umber Amount 05-16PAYMENT RECEIVED -- THANX YOU 05-16 75417251136850571371159 0090 50.00 PY AVALML& Cw131T Your Total Available Credit Is $11.67 $11,67 of your Available Credit can be accessed for Cash Advances. The portion of your credit line that can be used for Gash Advances Is limited to $1,000.00. FnR RILL ING ERRORS AND IMPORTANT INFORMATION. SEE REVERSE SIDE. Number of Days in Billing Cycle 29 Pnwious Balance $1,019.06 Account Number 5542 8520 0087 4014 . Credltb ,00 Purchase Cash Advance - Payments 50.00 Average Credit Line " $1,000 + Purchases 3 Daily Balance $1,01113 $.00 other Charges .00 Available Credit $11.67 t Cash Advances .00 ANMML + F ANCE CHARGE. PERC15NIAGE RATE 23.99% 23.99% Minimum Payment Due $30.00 On Balances 1927 + Late Charge .00 Daily Periodic Rate .065726% 068728% Payment Due Date 08119101 = NEW BALANCE $988.33 000340000 3686 A151 BALANCE A8. PAYMENT MINIMUM ACCOUNT N OF 042W OUEOATE PAYMENT AMOUNTENCLOM 5542-8520-0087-4014 51.019.08 Y21,2001 531 D0 1$ 0 bx0caM change or address on back Make Payable Po? PROVIDIAN MASTERCARD IIlraInllI IIIII1,4,I14IIIIIr4rIII„r1IIII1'l,4aIIIIIIU111411 PROVIDIAN MASTERCARD Plane be sure PO box 9539 44 this address appears MANCHESTER NN 09108-9539 in the window. 1,14111,11111111111114111,1 111411 611 1 1111 I,1IIIn14tIIIIII,11 Page Iof I DEBORAH L GRAHAM 0000:0 402 ALLENVXEW OR MECHANICSBURG PA 17055-8604 55428520008740140003100010190600000 Pay your Prorldian bill onnne. We quick, convenient and no stamps are requiredl Yait www.prvMan.wm Wdayl your aawunt is $19,08 over your 41,000AO credit *w. While your Account Agreement may regrdre you to pay this overYmit amount, wean giving you the Sewbility of pwjft Only W.00. Pairing just 06 minimum due pwpwgt wln leave taw account in an overnrnlt status. DeAakfa n Trans Date Referance Ifumber AWOU 0E-21LOHE'S #409 NECHANICBURG PA 7054:071079327483305633 5211 778.04 CR 03-21LOWE'S #405 NECHANIC8UR6 PA 03-19 7054e071079327483305658 5221 5.00 03-21LOWE''S e40S MECHANIC:UR6 PA 03-19 70548071079327463305641 5211 675.00 03-26LONE'S #405 NECHANICBURG PA 03-23 9254807106332749297T49S 5211 778.04 03-29PAYMENT RECEIVED -- THANK YOU 03-.29 754I7281088a50680450044. 0000 70.00 PY 04-IOVALUE CITY `000000927 MECHANICSBURG PA 04-16 70410191107603052584259 5712 11.61 04-19REE:OK FCTY DIRECT $TO HERSHEY PA 04-13 7S434251168574010900829 5661 52.49 Your dal Available Credit Is S.00 $0.00 of your Available Credit can be accessed for Cash Advances. The polfirm of your credit line that can be used for Cash Advances Is limited to $1,000.00. FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE !RIDE.. ACCOUNT SSMARY STATEMENT DATE p4128+01 PAYMENT INFORMATION Number of Days in Billing Cycle 43 Previous Balance $309.99 Account Number SW 5520 0087 4014 - Credjta 778.04 Purchase Cash Advance - Paynwrnta 70.00 Average Credit Line $1,000 + Purdiasea & Dally Balance 5883.35 $.00 other chars" 1,532.14 Available Credit"" $.00 + Cash Advances .00 ANNUAL + F M XCE CHARGE. PERCENTAGE RATE 2199% 23.99% Minimum Payment Due $31.00 On Saterves 24.97 t Late/ Charge .00 Daily Periodic Rate .065726% .065726% Payment Due Data 05121101 = NEW BALANCE' $1,019.06 000300000 3888 A151 BALANCE AS PAYMENT MaaMUu ACCOUNT NUMBER OF 0wt6101 OUE DATE PAYMENT 5542-13520-0087-4014 530999 R08,2?1 $15.00 13 kX kaoe change of atld»sss an beck PROVIDIAN MASTERCARD III, II#IjIIII1.,,IaI101,i,I, 1, I,# 111, 111.. I I I II I I I a a I 1 Yl.I PROVIDIAN MASTERCARD Please be sure PO BOX 9559 .? this *Ores$ appears MANCHESTER NH 03108.9539 in the window. I.141111,111111aI III ItI114140111 110II.4.11111111 4 10 4 1/1111111 PPageI ot1 DEBORAH L GRAHAM 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 554285200087401400015000030999000D0 AMOUNT ENCLOSED i *' Made Checks Payable to Providlan COACH HERE r "'PLEASE SEE ENCLOSED IMPORTANT LEGAL NOTICE CONCERNM THE ADDITION OF AN ARBITRATION PROVISION TO YOUR ACCOUNT AGREEMENT. PLEASE READ IT CAREFULLY AND KEEP IT FOR YOUR RECORDS.... TRANSACTIONS UN Oft m an Trans Date Reference Number Amount 02-23PHONE PAYKENT RECEIVED 02-22 75417281054850054152697 0000 $0.00 PY 03-020* *ORANGE CLO OXI CLN 900-791-7529 CO 03-01 78432861060000360139469 5969 26.40 03-02DR HAUSCHKA SK IN CARE 4132479907 MA 02-28 7$4$8721060207411583137 5969 $5.07 03-12PHORE PAYMENT RECEIVED 03-09 75417291971850071329624 0000 70.00 PY 03-12PMONE PAYMENT FEE TILTON NN 03-12 75417281071606071001601 0000 4.95 AYLE CREDIT ** Your Total Available Credit is $690.01 $690.01 of your Avali" Credit can be accessed for Cash Advances. The portion of your credit tine that can be used for Gash Advances Is #fmited to $1,000.00. FOR BILLING ERRORS AND IMPORTANT INFORMATION,' SEE REVERSE SIDE. ACCOUNT SU IMARY STATZMENT DATE 03M4Mi PAYMENT INFORMATION Number of Days in Billing Cycle 30 Previous Balance $306.53 ' Account Number $642 $520 0087 4014 - Credits ,00 Purchase Cash Advance . Payments 120.00 Average Credit Line" S1,000 + Purchases A Daily Balance $316.27 5.00 Other Charges 111.97 Available Credit $690.01 + Cash Advances .00 ANNUAL + POMACE C#MRGE: PERCENTAGERATE 23.99%. 23.99% Minimum Payment Due $15.00 On Balaww a 6.24 Phone Payment Fee 4.95 Daily Periodic Rate .065726% .065726% Payment Due Date 04JM1 + Late Charge .00 = NEW BALANCE $309.99 ANNUAL PERCENTAGE RAT13his billing cycle 42:48% 000040000 3686 1517 BALANCE AS PAYMENT MINIMUM 1 ACCOUNT NUMBER OF O W2101 DUE DATE PAYMENT AMOUNT ENCLOSED 5542-8520-0087-4014 i?eas wvto?soo? sla.op Ihditge. snmpe of address on tieek PROVIDIAN MASTF-RCARD Make Checks Payable to Providian 111?r?»1Lt?tli ltu1111#11life IIII,III#I,Iu/rIId 1111111t,1 PROVIDIAN MASTF.RCARD Please be sure PO BOX 9539 this address appears MANCHESTER NH 03108-8539 In the window. IIr,111.,,IIIInIIIIIIIIII10410AIIIIIInnIIIIIIIIUIIIIaIIaII Page Iof I DEBORAH L GRAHAM 00M 902 ALLENVTEW DR MECHANTCSBURG PA 17055-8604 554285200087401400015000030.68300000 ---------------------------------- -------------------------- ------- MACM 4M I MUM FROM P07IDiA13 MASTERCARD Pay your Ptovidlen bill onlins. it's quids. convenint and no stamps are reeNiredi Visit www.p ovidian.com todayi TRANSACTIONS Post Dab DeSG000 Trans Date Reference Number Amount 111-z2ANNUAL FEE 01-22 0000 89.80 02-04LOWE'S $485 NECNANICBURG PA 02-07 70546071039327381226005 5211 23.00 02-p9MAL MART 14EtNANICSBURG PA 02-07 70483822039314967294982 5310 223.00 "- AVAS ABLE CREDIT - Your Total Available Credit is $693:.17 $693.97 of your Available Credit can be accessed for Cash Advances. The portion of your credit line that can be used for Cash Advances is limited to $1,000.00. FOR t31L11NG ERRORS AND IMPORTANT INFORMATION, SEE REVERSE SIDE. ACCOUW SUMWU RY A'MMENT DATE 0? IWI PAYMENT IAIP" ATION Number of Days in Billing Cycle 24 Provkws Balance $.00 Account Number 5542 $= 0487 4014 - Cmdits .00 Purchase Cash Advance - Payntanta .00 Average Credit line $1,000 + Puncltaws 3 Daffy Balance $115.99 $.00 ottw 0harges 305.00 Available Credit $693.17 Cash Advances .00 ANNUAL + FINANCE CHARGE: PERCENTAGE RATE 23.99% 23.99% Minimum Payment Due $15:00 On Balances 1.63 + Late Charge 00 Daily Periodic Rate .069720% .0857267E Payment Due Date 03m"I w NEW BALANCE $306.83 000000000 3085 1517 c c a? to ' go M 7 c uo fg ?. j., r Iva- ty'1 O es M co .= cMO ? ?¢ o -8 M, 8 r o? o, ac lam- Mir . ?i p? FEE $ ? i 1 Fig._ 2009 APR 23 Pi' 3: 3 4 Our File No.: 101419 ARROW FINANCIAL SERVICES LLC ) Plaintiff ) vs. ~ ) ` } IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO.: 09-172 CIVIL DEBORAH L GRAHAM Civil Action ~ ~-~ Defendant ) •ra ~ `„ ~' ) ~~`~ .~ {;, ~ ~._ N ~ PRAECIPE FOR APPOINTMENT OF ARBITRATORS ~ '`' TO THE HONORABLE, THE JUDGES OF SAID COURT: ACT :" ~m ~ h' 01 '•C Benjamin J. Cavallaro, Esquire, counsel for the Plaintiff in the above action, respectfully represents that: 1. The above-captioned action is at issue 2. The claim of Plaintiff in the action is $1867.01. The following attorneys are interested in the case as counsel or are otherwise disqualified to sit as arbitrators: For Defendant For Plaintiff Benjamin J. Cavallaro, Esquire 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorney for Plaintiff WHEREFORE, your petitioner prays your Honorable Court to appoint three (3) arbitrators to whom the case shall be submitted. Res ly Sub d, June 18, 2010 B j n vallaro, Esquire ORDER OF COURT AND NOW, ~~, a~ d , 20~D , in consideration of the foregoing petition, //~~ Esq., and G} . Esq., and oCoL irr ~_ 3~` Esq., ar appointed arbitrators in the above captioned action as prayed for. < < can ~r r_~ ~ ~V I By the Court, :~ add Z- ?~~' 01 OZ ~ ~~ ~ ~ -~ ~tl~'v'~ ..:~ ~a~ X1,7 ~r•il. a~ ~- ~~?~1,~ ~a~F.oo Pa r~rM -oco~n Csro~m ~~ ~swc~1 ~ ~ ~ Assoa e~'ayya~~ e2 ~'~~' . PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for the next Argument Court.) CAPTION OF CASE ~ ~~ ~ ~~~~~ ~ ~" --__~_~_~_____ (entire caption must be stated in full) Assignee and Successor in Interest of WASHINGTON MU'TAL BANK ARROW FINANCIAL SERVICES LLC C/O David J. Apothaker, Esquire G ~ ~ a L vs. T- DEBORAH L. GRAHAM, ~ '~ ca t.~-'.. ~,C. G, No. 1720 2009 ~i_ Term ~ % 1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demt.~r to complaint, etc.): .?~ - ~ r., .~- Preliminarv Objections filed ~. _.: - 2. Identify all counsel who will argue cases: (a) for plaintiffs: r~ a (Name and Address) Benjamin J. Cavallaro, Esquire Apothaker 520 Fellowship Road C306 Mount Laurel, NJ 08054 (b) for defendants: DEBORAH L. GRAHAM, Pro-SE (Name and Address) 902 Allenveiw Drive Mechancisburg, PA 17055 3. I will notify all parties in writing within two days that this case has been listed for argument. Deborah L. Graham 4. Argument Court Date: August 18 2010 ;~ ~ T i 7"! r ["~ 1 ~.L { :~ -c \1_ 1 Sign Deborah Graham Date: 7/13/2010 Print your name Pro Se Attorney for INSTRUCTIONS: 1.Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 12 days prior to argument. 3. The responding party shall file their brief 5 days prior to argument. 4. ff argument is continued new briefs must be'fl~sd with the COURT ADMINISTRATOR (not the Prothonotary) afbr the case is relisted. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ARROW FINANCIAL SERVICES LLC Assignee and Successor in interest of WASHINGTON fNUTAL BANK Plaintiff v. CIVIL ACTION -LAW DEBORAH L. GRAHAM, : N0.09-1720 Defiendant CERTIFICATE OF~ CE HEREBY CERTIFY that a true and correct copy of the foregoing Praecipe for Listing Case for Argument and Letter to the Court Requesting Removal of case from Arbitration pending a Ruling on the outstanding Preliminary Objections was famished by U.S. first class mail, postage prepaid on this 14th day of July, 2010, to: Benjamin J. Cavaparo, Esquire Apothaker ~ Associates, P.C. 520 Fellowship Road C306 Mount Laurel, NJ 08054 Attorneys for Plaintiff ~ti Dated:1 Debora ra am Defendant T ARROW FINANCIAL S LLC., Assignee and Succ Interest of WASHINGTO MUTAL BANK, Plaintiff vs. DEBORAH L. GI Defendant CIVIL ACTION -LAW N0.09-1720 CIVIL ORDER AND NOW, this VICES IN THE COURT OF COMMON PLEAS OF or in CUMBERLAND COUNTY, PENNSYLVANIA ~S ` day of July, 2010, in consideration of the within petition of the defendant, arbitration i stayed in this matter and the Prothonotary is directed to list the a defendant's preliminary o jections for argument at the regular session of the argument court to be held on August 18, 20l BY THE COURT, Kevin ~ / Benjamin J. Cavallaro, For the Plaintiff / Deborah L. Graham, Pro Defendant :f Darnel Deardorff, Esquire Chairman, Board of Arbit~ rlm gip'-~s rna, ~~( '7~~ f ~~ ~~ ~ ~L . ~~ Hess, P. J. n r.. ^~ ~_ ~~~ ,~ :7 - .~ --- - _ _ ~; , ~ , ~:f -; .~-1 h:~ .' .a ARROW FINANCIAL SERVICES, LLC, IN THE COURT OF COMMON PLEAS Assignee and Successor in interest OF CUMBERLAND COUNTY, PENNSYLVANIA of WASHINGTON MUTUAL BANK, PLAINTIFF V. DEBORAH L. GRAHAM, DEFENDANT 09-1720 CIVIL TERM IN RE: DEFENDANT'S MOTION FOR PRELIMINARY OBJECTIONS TO PLAINTIFF'S AMENDED COMPLAINT BEFORE OLER, J. AND MASLAND, J. ORDER OF COURT /~ AND NOW, this 6s~ day of October, 2010, Defendant's preliminary objections to Plaintiffs amended complaint are SUSTAINED. The court grants Plaintiff leave to file a legally sufficient second amended complaint within 30 days of this order. By the Court, ,~ Albert H. Masland, J. enjamin J, For Plaintiff Cavallaro, Esquire ~borah Graham, Pro se J 902 Allenview Drive Mechanicsburg, PA 17055 :saa `°µ~ <-~> ~_:, .~~ ~ .~~ -~ ~ V~~.. ~ ,~1~~ ' °:` a a _;` r - t..) --~; ARROW FINANCIAL SERVICES, LLC, IN THE COURT OF COMMON PLEAS Assignee and Successor in interest OF CUMBERLAND COUNTY, PENNSYLVANIA of WASHINGTON MUTUAL BANK, PLAINTIFF V. : DEBORAH L. GRAHAM, DEFENDANT 09-1720 CIVIL TERM IN RE: DEFENDANT'S MOTION FOR PRELIMINARY OBJECTIONS TO PLAINTIFF'S AMENDED COMPLAINT BEFORE OLER. J. AND MASLAND. J. OPINION AND ORDER OF COURT Masland, J., October 5, 2010:-- Before the court are the preliminary objections of Deborah L. Graham, Defendant, to the amended complaint filed by Plaintiff, Arrow Financial Services LLC. For the reasons stated briefly below, Defendant's preliminary objections are granted. This is a collections matter arising from an allegedly delinquent credit card account. Defendant representing herself, objects to the adequacy of Plaintiffs amended complaint on the grounds that Plaintiff has not established it is a real party interest, it does not include the "Schumer Box" to establish the basis for claimed interest, late fees, returned check fees, and over-the-limit fees, and it is improperly verified. I. Evidence of Assignment Where, as here, a plaintiff is not the defendant's original creditor, the complaint must include a writing evidencing the assignment of the defendant's account from the original creditor to the plaintiff. Atlantic Credit and Finance, Inc. v. Giuliana, 829 A.2d 340 (Pa. Super. 2003). Without such a document, plaintiff fails to establish its status as a real party in interest to the instant matter. Here, Plaintiffs amended complaint includes a document labeled "Bill of Sale" indicating the sale of various accounts from Washington Mutual Bank to Plaintiff. This 09-1720 CIVIL TERM writing is wholly inadequate to establish Plaintiff is a real party in interest in this matter. First, the Bill of Sale contains no information whatsoever to establish its relevance to the Defendant's alleged debt. Neither her name nor her account number appear in the document. Instead, the Bill of Sale refers to "Accounts listed in the Account Schedule attached ... as Appendix A to the Agreement ...." See Am. Compl. "Appendix A" does not appear in the record. Plaintiff concedes as much, justifying its absence on the grounds that Appendix A: [I]s simply an excel spreadsheet with all the account numbers that were sold in the particular lot of accounts. Nearly the entire document would need to be redacted. Only the last four digits of defendant's account number could be displayed. As such, attaching said document would provide no further verification that defendant's account was. among those in the lot sale referenced in the Bill of Sale. Pl.'s Br. at 5. This explanation is wholly unsatisfactory. A supposedly onerous redaction process does not excuse Plaintiff from properly establishing it is a real party in interest. Also troub{ing is that the Bill of Sale refers to the transfer of Washington Mutual accounts while the record clearly indicates Defendant's original creditor was Providian National Bank. Plaintiff asks us to excuse this inadequacy by taking judicial notice that Providian was purchased by Washington Mutual. We decline to do so. In light of these problems, the Bill of Sale is insufficient to satisfy the requirement of including a writing to account for the assignment of Defendant's account. II. Absence of Cardholder Agreement Next, we address Defendant's objection to the absence of the terms of her original cardholder agreement. She argues the alleged debt is based upon a written cardholder agreement, and accordingly, Plaintiff must attach a copy of the document to the complaint. We agree. Plaintiffs complaint includes an exhaustive balance statement history of the -2- 09-1720 CIVIL TERM alleged debt and a copy of Defendant's signature on an account acceptance card. What it does not contain, however, are the terms of the cardholder agreement. In the absence of this information, Defendant's objection must be sustained. III. Adequacy of Verification Finally, we address Defendant's objection to the verification. Plaintiffs complaint is verified by a person identified as "Outsource Manager for Plaintiff Arrow Financial Services." Based on Plaintiffs representation that the verification was completed by an officer of the Plaintiff business, we are satisfied that it comports with the requirements of Pa. R.C.P. No. 1024. IV. Conclusion In conclusion, we sustain Defendant's preliminary objections due to the serious deficiencies of the amended complaint. Plaintiff has not established itself as a real party in interest, nor has it established the terms of the underlying credit agreement allegedly breached by the Defendant. Accordingly, Plaintiffs amended complaint must be dismissed for failure to provide documentation to substantiate its claim. The court grants Plaintiff leave to file a legally sufficient amended complaint within 30 days of this opinion and order. ORDER OF COURT AND NOW, this ~ day of October, 2010, Defendant's preliminary objections to Plaintiffs amended complaint are SUSTAINED. The court grants Plaintiff leave to file a legally sufficient second amended complaint within 30 days of this order. By the Court, Albert H. Masland, J. -3- 09-1720 CIVIL TERM Benjamin J. Cavallaro, Esquire For Plaintiff Deborah Graham, Pro se 902 Allenview Drive Mechanicsburg, PA 17055 saa -4- Our File No.: 101419 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D.# 38423 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800)672-0215 Attorney for Plaintiff ARROW FINANCIAL SERVICES LLC Plaintiff, vs. DEBORAH L GRAHAM Defendant. ~~~Q QCT 28 Pr`s 2: ~~~ ~~E3ER~~~1~ ~:t?~~~~ ~'`` '~~P~~~iS ~''~.~~,~ r~ ~,~. COURT OF COMMON PLEAS CUMBERLAND COUNTY } NO. 09-1720-CIVIL PRAECIPE TO DISMISS WITHOUT PREJUDICE TO THE PROTHONOTARY: Kindly dismiss this action without prejudice. APOTHAKER & ASSOCIATES, P.C. Attorneys f~laintiff A Law Firm Enaa~~d i~ Debt Collection By: Dated: 10/20/2010 David J. ~po`thaker, Esquire IIINIIIIIIIIIII IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ARROW FINANCIAL SERVICES LLC Assignee and Successor in Interest of WASHINGTON MUTAL BANK Plaintiff V. DEBORAH L. GRAHAM, Defendant DEFENDANT'S PETITION TO STRIKE OFF DISCONTINUANCE AND FOR DISMISSAL OF R FAILU Defendant, Deborah L. Graham, respectfully moves the Court to Strike Off Plaintiff's Praecipe to Dismiss Without Prejudice filed on October 28, 2010 and to enter an Order Dismissing Plaintiff's case With Prejudice for the following reasons: 1. By its Order dated October 6, 2010, this Court said, "Defendant's preliminary objections to Plaintiffs amended complaint are SUSTAINED. The court grants Plaintiff leave to file a legally sufficient second amended complaint within 30 days of this order. 2. Instead of filing a sufficiently plead second amended complaint within 30 days, Plaintiff filed a praecipe to dismiss the action without prejudice and without notification to the Defendant. 1 3. The Court, upon petition and after notice, may strike off a discontinuance in order to protect the rights of any party from unreasonable inconvenience, vexation, harassment, expense, or prejudice (Pa. R. Civ. P. 229(c)). 4. The Court may consider the following factors in exercising its judgment when asked to strike off a discontinuance, all of which demonstrate that Defendant will be subjected to unreasonable inconvenience, vexation, harassment, expense and prejudice if relief is not granted: a. "Plaintiff previously filed this action with a local District Justice Mark Martin on July 5, 2007 upon which a counterclaim was timely filed on July 27, 2007 and the case was dismissed without prejudice at the request of both' parties on November 5, 2007, No appeal was ever filed be either side. b. Plaintiff delayed almost two (2) years longer before filing its complaint thereafter in the Court of Common Pleas of Cumberland County on March 19, 2009 docketed as 09-1720 Civil Law. c. Plaintiff has filed several deficient pleadings and failed to correct any of the deficiencies within the past three (3) years. d. On May 8, 2009 Defendant filed, as duly documented by this court, Defendants Preliminary Objections to Plaintiffs Amended Complaint which included Certificates of Service for both Defendants' First Set of Interrogatories Addressed to Plaintiff and Defendants Request for Production of Documents Addressed to Plaintiff ;upon Plaintiffs' Counsel, whom had done nothing in this case for over a year. 2 r e. On June 24, 2010, Plaintiff filed a Praecipe for Appointment of Arbitrators hearing without first having Defendant's Preliminary Objections ruled upon by the Court and without notifying the Defendant. Accidental discovery of this action came about while Defendant was monitoring the docket entries online. f. On July 14, 2010 Defendant filed a Request to Remove the case from Arbitration and subsequently listed the case for Oral Argument before the next business court date. g. The Court granted Defendants objections and an Order was issued on the 15th day of July 2010 stating that "in consideration of the within petition of the defendant arbitration is stayed in this matter and the Prothonotary is directed to list the defendant preliminary objections for argument at the regular session of the argument court to be held on August 18, 2010." h. On October 6, 2010 Judge Albert H. Masland issued an Order SUSTAINING Defendant's preliminary objections to Plaintiffs amended complaint are and therefore, providing them with leave to file a legally sufficient second amended complaint within 30 days of the order. On October 28, 2010 Plaintiff filed a Praecipe to Dismiss Without Prejudice and without notification of such action to the Defendant. Accidental discovery of this action came about while Defendant was monitoring the docket entries online. i. Furthermore, Defendant is entitled to be free of any further unreasonable inconvenience, vexation, harassment, expense and prejudice by the Plaintiff's unconscionable business practices including the derogatory reporting of this account to credit reporting agencies and will not be able to maintain that ability if relief is not granted. 3 8 5. Defendant respectfully submits that the plaintiff has had ample opportunity to obtain from third parties any documents that may support plaintiffs claims. Either the documentation is not available or plaintiff has failed to exercise diligence in obtaining the information necessary to plead a legally sufficient claim against Defendant. WHEREFORE, Defendant respectfully move the Court to enter an Order, to Strike off Plaintiff's Dismissal Without Preiudice and to Dismiss Plaintiffs Case With Preiudice based on Plaintiff's failure to file a sufficient second amended complaint within the required 30 days as required in this Court's Order dated October 6, 2010. Dated: j Respectfully submitted, 5 orah Graham, Pro Se 902 Allenview Drive Mechanicsburg, PA 17055 Defendant 4 A r IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ARROW FINANCIAL SERVICES LLC Assignee and Successor in Interest of WASHINGTON MUTAL BANK Plaintiff V. DEBORAH L. GRAHAM, Defendant CIVIL ACTION - LAW NO. 09-1720 CERTIFICATE OF SERVICE 1 hereby certify that I served the foregoing Petiton/Motion by placing a true and correct copy in the United States mail, first class postage prepaid, addressed as follows: David J. Apothaker, Esquire Apothaker & Associates, P.C. 520 Fellowship Road C306 Mount Laurel, NJ 08054 Attorneys for Plaintiff Dated: Deborah Graham, Pro-Se 902 Allenview Drive Mechanicsburg, PA 17055 Defendant 5 V ARROW FINANCIAL SERVICES, LLC, IN THE COURT OF COMMON PLEAS Assignee and Successor in interest OF CUMBERLAND COUNTY, PENNSYLVANIA of WASHINGTON MUTUAL BANK, PLAINTIFF V. DEBORAH L. GRAHAM, DEFENDANT : 09-1720 CIVIL TERM IN RE: DEFENDANT'S PETITION TO STRIKE OFF DISCONTINUANCE AND DEFENDANT'S MOTION FOR DISMISSAL OF SUIT WITH PREJUDICE FOR FAILURE BY PLAINTIFF TO COMPLY WITH COURT ORDER ORDER OF COURT AND NOW, this day of December, 2010, Defendant's Petition to Strike Off Discontinuance and Defendant's Motion for Dismissal of Case with Prejudice are DENIED in all respects. By the Court, ./ David J. Apothaker, Esquire 520 Fellowship Road C306 Mount Laurel, NJ 08054 For Plaintiff Deborah Graham, Pro se 902 Allenview Drive Mechanicsburg, PA 17055 :saa 2,5p« rrtatus. f a/z/16 Albert H. Masland, J. C p 'r1 ca o -? m- C:) am '" ?-- c -) , OM oco -4CI c? -v ?a ? or' ARROW FINANCIAL SERVICES, LLC, IN THE COURT OF COMMON PLEAS Assignee and Successor in interest OF CUMBERLAND COUNTY, PENNSYLVANIA of WASHINGTON MUTUAL BANK, PLAINTIFF V. DEBORAH L. GRAHAM, DEFENDANT 09-1720 CIVIL TERM IN RE: DEFENDANT'S PETITION TO STRIKE OFF DISCONTINUANCE AND DEFENDANT'S MOTION FOR DISMISSAL OF SUIT WITH PREJUDICE FOR FAILURE BY PLAINTIFF TO COMPLY WITH COURT ORDER OPINION AND ORDER OF COURT Masland, J., December 1, 2010:-- Before the court is Defendant, Deborah L. Graham's petition to strike off discontinuance and motion for dismissal of suit with prejudice for the failure of Plaintiff, Arrow Financial Services, LLC, to comply with a court order. Upon review, the court denies both requests. This matter was previously before the court sitting en banc with Judge Oler and the undersigned presiding. There, we sustained Defendant's preliminary objections to Plaintiffs second amended complaint and granted Plaintiff leave to file a legally sufficient second amended complaint within 30 days of our order. Subsequent to the filing of our order and opinion, Plaintiff filed a praecipe to dismiss the case without prejudice. Defendant now asks the court to strike off the discontinuance on the grounds that it is unduly prejudicial to her interests. She also moves for dismissal of the suit with prejudice on the grounds that Plaintiffs filing of a discontinuance violates our previous court order sustaining her preliminary objections and granting Plaintiff leave to file a second amended complaint. The Rules provide that a court, "upon petition and after notice, may strike off a 09-1720 CIVIL TERM discontinuance in order to protect the rights of any party from unreasonable inconvenience-,- vexation, harassment expense, or preiudice." Pa. R.C.P. No. 229(c) (emphasis added). Here, Defendant asserts she "is entitled to be free of any further unreasonable inconvenience, vexation, harassment, expense and prejudice by the Plaintiffs unconscionable business practices including the derogatory reporting of this account to credit reporting agencies ...." Pet. at 14(i). The court is constrained to conclude Defendant's asserted prejudice is insufficient to justify striking the discontinuance. Finally, the court addresses Defendant's motion to dismiss with prejudice for failure to follow an order of court. That order read, in relevant part, "Defendant's preliminary objections to Plaintiffs amended complaint are SUSTAINED. The court grants Plaintiff leave to file a legally sufficient second amended complaint within 30 days of this order." Defendant argues that this order contemplated no further action other than Plaintiffs filling of a legally sufficient complaint. The court disagrees. The plain language of the court order was permissive rather than mandatory. The grant of leave to file a second amended complaint does not prevent Plaintiff from voluntarily discontinuing the suit. Accordingly, Plaintiff did not violate a court order and Defendant's motion to dismiss with prejudice must be denied. ORDER OF COURT AND NOW, this day of December, 2010, Defendant's Petition to Strike Off Discontinuance and Defendant's Motion for Dismissal of Case with Prejudice are DENIED in all respects. By the Court, Albert H. Masland, J. -2- 09-1720 CIVIL TERM David J. Apothaker, Esquire 520 Fellowship Road C306 Mount Laurel, NJ 08054 For Plaintiff Deborah Graham, Pro se 902 Allenview Drive Mechanicsburg, PA 17055 saa -3-