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Home My WebLink About09-3885 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CLAIMS RECOVER SYSTEMS NO: lq -fig Civil lt?r'w Plaintiff, June 8d' , 2009 V. BARBARA BEVIL Defendant Type of Pleading COMPLAINT Filed on behalf of: Claims Recovery Systems Plaintiffs Counsel of Record: THOMAS L. MAHER, ESQ. Pa I.D. #207970 Law Office of Thomas L. Maher PO Box 73 Sewickley, Pennsylvania 15143 (412) 583-3123 S ti COMPLAINT FACTUAL AVERMENTS 1. Plaintiff, Claims Recovery Systems, Inc. is a corporation with offices at 6 East Main Street, Carnegie, Pennsylvania, and, for valuable consideration is an assignee of the rights of West Asset Management Inc., an assignee of Worldwide Asset Purchasing II, LLC., an assignee of Bank of America [Bills of Sale/Assignments attached as Exhibits "A"] stands in its assignor's stead, and all are hereinafter referred to interchangeably as "Plaintiff'. 2. Barbara Bevil is an adult individuals residing at 650 Walnut Bottom Road, Shippensburg Pennsylvania 17257 [hereinafter referred to as "Defendant"]. 3. Upon information and belief, Defendant made an application with Plaintiff for the issuance of a line of credit on February 15'h of 1994, in the form of a, Bank of America Visa Card. Said credit was utilized by the Defendant who accrued charges of $17,981.02 until February 20`x' of 2006 when, due to non-payment, the account was frozen and put into collections [See Exhibits "B" through "E" for records of non-payment]. Interest accrued on this account at an annual percentage rate of 32.24% after its sale to Worldwide Asset Purchasing II, LLC., leaving the Defendant with a balance of $28,073.84 [see Exhibit `B"]. Interest was stopped after sale to Plaintiff, Claims Recovery Systems. 1- COUNT I: BREACH OF CONTRACT 4. This count incorporates the preceding paragraphs one through three of Plaintiff's Factual Averments. 5. In receiving said line of credit, Defendant agreed to the terms and conditions set forth by Bank of America including repayment. These terms and conditions are found in the disclosures in Plaintiff's Exhibits "B" though "E" and specifically set out in the Visa Cardmember Agreement marked as Plaintiff's Exhibit "F" 6. Defendant failed to honor the agreement and neglected to make payments on the line of credit and is therefore in breach of contract with Plaintiff. 7. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the principal balance or any part thereof to Plaintiff. To wit, Defendant is indebted to Plaintiff in the amount of twenty eight thousand and seventy three dollars and eighty four cents for charges made on the aforementioned Bank of America Visa Card. WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of $28,073.84 and court costs. Respectfully submitted, By: Thomas L. Maher Esq ID # 270970 Attorney for Plaintiff Claims Recovery Systems It 1% 03/19/200'7 14:12 FIR CARD SERVICES N.A. 4 917709373058 N0.222 D606 Exhibit A Bt LQ SALE Bank of America, N.A. (USA) C'Seller"), for value received and pursuant to terms and conditions of a Acmmt Forward Flow Agent C'AW=u= between Seller and Worldwide Asset Purchasing 14 ('Buyer"), dated Septem 20, 2006, does hereby sell, assign and convey to Buyer, its successors and 9351 all right, title and interest of Seller in and to those certain Accounts as de the Agr=cnt and as set forth on Exhibit B, without recourse and wit representation of or warranty of coliectibility, or otherwise, except to the e provided for within the Awme went. A CUTED this 28th day of November 2006• Bank of A jaO6 N.A. bI tc Name and Tide ACE NOWIWOMENT STATE OF SS r COUNTY OF Thb instrument was !!!a o Bed before me on o " of Bork of Ammo, N.A. (USA) , papue ofNOWW I Title and Rank My Commission Empires: l . 10NN5Un PAMEIA J• ?ou?ar???uc YY COMYCSI9? PIKES OCIDNI Ob. i04i in as Exhibit A cont:, BILL OF SALE Worldwide Asset Purchasing II, LLC ("Seller"), for value received and p suant to the terms and conditions of an Accounts Sale Agreement ("Agreement"), betwehn Seller and West Asset Management, Inc. (`Buyer"), dated 12/26/2007 does hereby sell, assign and convey to Buyer, its successors and assigns, all right, title and interest of Sell in and to those certain Accounts as defined in the Agreement, without recourse and without epresentati, of or warranty or collectibility, or otherwise, except to the extent provided for with- n the Agreement. EXECUTED this 26th day of December, 2007. FILE TRANSFER DATE was the 26th day of December, 2007. Worldwide Asset Purchasing II, By; Richard K Lundeberg, ACKNOWLEDGEMENT STATE OF COUNTY OF SS _,6k4dA4 This instrument was acknowledged before me on 44&-A?? A, 2007, by LLC. ' as of Worldwide Asset F - 0-1- Sign of Notarial Officer ShonJra Q Shepherd r Title and \I% ( •nnumuron I.?prrr, Aug. ?5, 2009 Commission Expires II, 1 a Exhibit A cont. BILL OF SALE West Asset Management, Inc. ("Seller"), for value received and pursuant to the terms and conditions of an Accounts Sale Agreement ("Agreement"), between Seller and Claims Recovery Systems, Inc. ("Buyer"), dated February 15, 2008, does ereby sell, assign and convey to Buyer, its successors and assigns, all right, title and interest of Seller in and to those certain Accounts as defined in the Agreement, without recourse and 'without representation of or warranty or collectibility, or otherwise, except to the extent provi ed for within the Agreement. EXECUTED this 2-Lday of r y c, r 2008. FILE TRANSFER DATE was the 1% day of 1{j4f (t_ a (f 2(08. West Asset By: David EVP ACKNOWLEDGEMENT STATE OF r--, r-40 C4 tck COUNTY OF CI n f-4 o K, e,,e, SS This in trument was aclcn wledged before me on 3a V 1L. A k, as JE, Signature of Notarial Officer Title and Commission Expires of West `???? R E YlyO ??i? J. ?pTAgy ' • 4' AUB001 C!)= )8, by , Inc.. 1ARBARA K BEVIL account Number: Exhibit B 4888 6070 0267 4183 Your Bank of America Visa® Account New Balance $16,886.66 Total Credit Line $17,500.00 Available Credit $613.34 Cash Limit $17,500.00 Available Cash $613.00 Overlimit Amount: $0.00 Billing Date 11/26/05 Minimum Payment Due $287.77 Payment Due Date 12121/05 24-Hour Customer Service 1.800.732.9194 Pay online! Visit For Lost or Stolen Cards 1.800.848.6090 www.bankofarnerica.com Transactions View recent transactions and pay your bill online at www.bankofamerica.com. POST. DATE TRANS. DATE REF. DESCRIPTION NO. AMOUNT CR=CREDIT Nov 02 Nov 01 24692165305000692948128 ALLSTATE PAYMENT 800.255.7828 IL $70.00 Nov 03 Nov 01 248921653OWW788319759 SUNOCO SVC STATION SHIPPENSBURG PA $23.00 Nov 05 Nov 04 24110395308288440407505 1 800 PETMEDS 954979-5996 FL $86.99 Nov 10 Nov OB 246921OW13000354779643 SUNOCO SVC STATION SHIPPENSBURG PA $22.00 Nov 18 Nov 18 32285400010007400213 900 PAYMENT - THANK YOU CR $275.00 Nov 18 Nov 17 24733095322288298800110 PUFF N SNUFF SHIPPENSBURG PA $84.48 Nov 23 Nov 21 24892185320000439883803 SUNOCO SVC STATION SHIPPENSBURG PA $21.00 Nov 25 Nov 23 24455015327140015980993 WAL-MART #5358 SHIPPENSBURG PA $65.68 Nov 26 Nov 26 PERIODIC FINANCE CHARGE $277.77 Account Summary Previous Balance $16,550.74 Purchases + $333.15 Cash Advances + $0.00 Other Debits + $0.00 Credits - $0.00 FINANCE CHARGE + $277.77 Payments - $275.00 New Balance = $16,866.66 Finance Charge Summary Corresponding Daily (D) / Monthly (M) Average Daily Minimum (M) / APR Periodic Rate Balance (ADB) Periodic (P) Charge Purchases 19.490% 0.05340%v D $16,779.47 $277.77 P Cash 22.740% 0.06231 %v D $0.00 $0.00 P ANNUAL PERCENTAGE RATE 19.864% v=Variable Bankof America -1W sane of Amerfea Customer Corner 0027500 0028777 1688666 4888607002674183 BANK OF AMERICA PO BOX 1758 NEWARK NJ 07101-1758 BARBARA K BEVIL 650 WALNUT BOTTOM RD SHIPPENSBURG, PA 17257-9648 Coupon Account Number 4888 6070 026 7 4183 Payment Due Date 2/21/05 Total Minimum Payment Due $287.77 New Balance: $16,886.66 Amount Enclosed Make checkormoney ordcrpayabtetoBank fAmcrica. This is an electronic reproduction of your statement and includes account information only. FINANCE CHARGE Exhibit B cont. Annual Percentage Rate (APR) Refer to the finance Charge Summary section of your statement for your current rates. A "b" next to a Periodic Rate means the rate may vary. If your statement has a Cash Advance Fee, the Annual Percentage Rate will look inflated because we annualize the Cash Advance Fee as if it applies each month over a 12-month period. We do this to meet federal disclosure requirements. Grace Period on New Purchases (at least 20-days) You can avoid Finance Charges on new Purchases that posted on this statement 9 your Previous Balance is zero (or a credit balance) and we receive full payment of the New Balance by the Payment Due Date. If so, you have from the date you made your purchase until the payment Due Date on the front to avoid any finance charge on that purchase. If your Previous Balance Is greater than zero, there is no time period to pay the New Balance and avoid additional finance charges. There is no grace period for Cash Advances and Balance Transfers. Periodic Finance Charge Calculation Method - Average Daily Balance (Including New Transactions) For each day in the Billing Cycle, we take your beginning balance, add any new transactions or other debits (including other fees and charges) and subtract any payments or other credits. This gives us that day's Daily Balance. We multiply this Daily Balance by the Daily Periodic Rate to get your Periodic Finance Charge for that day. We add these Periodic Finance Charges to your Dally Balance to get the beginning balance for the next day. To get your total Periodic Finance Charge for this Billing Cycle, we add all of the Daily Periodic Finance Charges and round the sum to the next highest cent. This amount is also equal to the Average Daffy Balance multiplied by the Daily periodic rate times the number of days In the Billing Cycle rounded to the next highest cent. To determine an Average Daily Balance, we add your Daily Balances and divide by the number of days in the Billing Cycle. We do this calculation separately for each feature such as Purchases, Cash Advances, Balance Transfers or Promotional Balances. Periodic Finance Charges begin to accrue from the later of the transaction date or the Statement Date of the Statement on which the transaction appears. Account Renewal Information for Open Accounts If your account has an Annual Fee and It is billed on this Statement, we will reverse the fee if you cancel your account and pay off any existing Balance within 30 days of receipt of this Statement otherwise, the Annual Fee is non-refundable. You may continue to use your account during the 30-day period before you cancel. To cancel, write us at the Billing Inquiries address or call us at the phone number on the front. Your Liability Our records show that you are liable for any outstanding balance on this account if your name appears on the front of this statement or you otherwise agreed. Report a Lost or Stolen Card Immediately Call the 24-hour toll free number 1.800.848.6090. Do not use your account after you report a lost or stolen card. Cardholder Security Plan," / Payment protection plan , If you have questions about your enrollment or need to file for benefits please call the applicable toll free number below (Monday-Friday, 7:00 a.m. -1):00 p.m. Central Time): Cardholder Security Plan- 1.888.668.6938; Payment Protection Plan- 1.888.838.0056 Service for International Calling Dial the AT&T Direct access code for the country you are in and dial 1.888.801.3723. For a list of access codes visit ba a and select Credit Cards. You may also call us collect at 1.757.677.470 Service for hearing-Impaired (TTY/TDD) Contact our service for the hearing-impaired at 1.800.222.7365. Pay on-line at www.bankofamerica.com or mail your payment o: BANK OF AMERICA, PO BOX 1758, NEWARK, N7 07101-1758 BILLING RIGHTS SUMMARY STATEMENT DISCLOSURE: In Case of Error or Billing Inquiries If you think your bill Is wrong, or 9 you need more information about a transaction on your bill, you LM. Notfolk A 2M - 1390 as soon as Ab must hear from you no later than 60 days after we sent you the fist J CL We on which the error or problem appeared. In your letter, give us the following Inf atlon: Your name and account number The dollar amount of the suspected error Describe the error and'expiain, N you can, why you believe there Is a error You do not have to pay any amount In question while we are investiga g, but you are still obligated to pay the parts of your bill that are not in qu n. While we Investigate your questions, we cannot report you as delinquent or ke any action to collect the amount you question. Special Rule for Credit Card Purchases If you have a problem with the quality of goods or services that you pu chased with a credit card, and you have tried in good faith to correct the probl i in with the merchant, you may not have to pay the remaining amount due on a goods or services. You have this protection only when the purchase price more than $50 and the purchase was made in your home state or within 1 miles of your mailing address (if we own or operate the merchant, or if we man i you the advert sement for the property or service, all purchases are covered ardless of the amount or location of purchase). IMPORTANT CREDIT BUREAU REPORTING INFORMATION REQUIRED BY FEDERAL LAW TO DISCLOSED TO YOU WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE RI IN YOUR CREDIT REPORT. For address changes, you may access your account online at www.bankafamerica.com call 1.800.732.9194 or write your address changes below. Please include your account number to ensure accurate processing. mLy State Zip Home Phone Work Phone E-mail Address By providing us with your e-mail address, you agree that we may communicate with you by electronic mail. Prompt Crediting of Payments We will credit any payment as of the date we receive It as long as it Is mailed with the enclosed payment coupon and received by us no later than 12:00 noon at either the P.O. Box on the front or the P.O. Box above. Crediting of all other payments may be delayed up to S days. Ali payments must be In the form of a check or money order drawn in U.S. dollars on a financial institution located in the U.S. or the U.S. Post Office or made by electronic funds transfers; however cash payments may be made In person at our banking centers only. nanl(OT Armerrtcd BARBARA, BEVIL Account Number: 4888 6070 0267 4183 Your Bank of America Visa® Account Exhibit C New Balance $17,438.11 Past Due Amount $287.77 Total Credit Line $17,500.00 Available Credit $61.89 Cash Limit $17,500.00 Available Cash $0.00 Overlimit Amount $0.00 Billing Date 12126/05 Minimum Payment Due $776.07 Payment Due Date 01/20/06 24-Hour Customer Service 1.800.732.9194 Pay online! Visit For Lost or Stolen Cards 1.800.848.6090 www.bankofamerica.com Transactions View recent transactions and pay your bill online at www.bankofarnerica.com. POST. DATE TRANS. DATE REF. DESCRIPTION NO. AMOUNT CR=CREDIT Dec 04 Dec 01 24692165337000367781067 SUNOCO SVC STATION SHIPPENSBURG PA $21.10 Dec 12 Dec 11 24455015345140017738689 WAL-MART 15358 SHIPPENSBURG PA $121.61 Dec 14 Dec 12 24692165347000396344406 SUNOCO SVC STATION SHIPPENSBURG PA $21.75 Dec 21 Dec 20 24733095355286299800066 PUFF N SNUFF SHIPPENSBURG PA $44.90 Dec 21 Dec 21 LATE PAYMENT FEE $39.00 Dec 23 Dec 21 2469216535WW305772380 SUNOCO SVC STATION SHIPPENSBURG PA $25.00 Dec 26 Dec 26 PERIODIC FINANCE CHARGE $278.09 Account Summary Previous Balance $16,886.66 Purchases + $234.36 Cash Advances + $0.00 Other Debits + $39.00 Credits - $0.00 FINANCE CHARGE +' $278.09 Payments - $0.00 New Balance = $17,438.11 Past Due Amount = $287.77 Finance Charge Summary Corresponding Daily (D) / Monthly (M) Average Daily Minimum (M) I APR Periodic Rate Balance (ADB) Periodic (P) Charge Purchases 19.740% 0.05409%v D $17,137.52 $278.09 P Cash 22.990% 0.06299%v D $0.00 $0.00 P ANNUAL PERCENTAGE RATE 19.740% v=variable Bankof America -- Customer Corner 0027500 0077607 1743811 4888607002674183 BANK OF AMERICA Po BOX 1758 NEWARK NJ 07101-1758 BARBARA K BEVIL 650 WALNUT BOTTOM RD SHIPPENSBURG, PA 17257-9648 couaon Account Number 4888 6070 026 7 4183 Payment Due Date 01/20/06 Total Minimum Payment Due $776.07 New Balance: $17,438.11 Amount Enclosed Makcchoe kormoncyordcrpayabietoBank fAmerica. This is an electronic reproduction of your statement and includes account information only. FINANCE CHARGE Annual Percentage Rate (APR) RefN to the Finance Charge Summary section of your statement for your current rates. A "v" next to a Periodic Rate means the rate may vary. If your statement has a Cash Advance Fee, the Annual Percentage Rate will look inflated because we annualize the Cash Advance Fee as if It applies each month over a 12-month period. We do this to meet federal disclosure requirements. Grace Period on New Purchases (at Most 20-days) You can avoid Finance Charges on new Purchases that posted on this statement if your Previous Balance is zero (or a credit balance) and we receive full payment of the New Balance by the Payment Due Date. If so, you have from the date you made your purchase until the payment Due Date on the front to avoid any finance charge on that purchase. If your Previous Balance Is greater than zero, there Is no time period to pay the New Balance and avoid additional finance charges. There is no grace period for Cash Advances and Balance Transfers. Periodic Finance Charge Calculation Method - Average Daily Balance (Including New Transactions) For each day in the Billing Cycle, we take your beginning balance, add any new transactions or other debits (Including other fees and charges) and subtract any payments or other credits. This gives us that day's Dally Balance. We multiply this Daily Balance by the Daily Periodic Rate to get your Periodic Finance Charge for that day. We add these Periodic Finance Charges to your Daily Balance to get the beginning balance for the next day. To get your total Periodic Finance Charge for this Billing Cycle, we add all of the Dally Periodic Finance Charges and round the sum to the next highest cent. This amount is also equal to the Average Daily Balance multiplied by the Daily periodic rate times the number of days M the Billing Cycle rounded to the next highest cent. To determine an Average Daily Balance, we add your Daily Balances and divide by the number of days in the Billing Cycle. We do this calculation separately for each feature such as Purchases, Cash Advances, Balance Transfers or Promotional Balances. Periodic Finance Charges begin to accrue from the later of the transaction date or the Statement Date of the Statement on which the transaction appears. Account Renewal Information for Open Accounts if your account has an Annual Fee and It Is billed on this Statement, we will reverse the fee ff you cancel your account and pay off any existing Balance within 30 days of receipt of this Statement otherwise, the Annual Fee Is non-refundable. You may continue to use your account during the 30-day period before you cancel. To cancel, write us at the Billing Inquiries address or call us at the phone number on the front. Your Liability Our records show that you are liable for any outstanding balance on this account if your name appears on the front of this statement or you otherwise agreed. Report a Lost or Stolen Card Immediately Call the 24-hour toll free number 1.800.848.6090. Do not use your account after you report a lost or stolen card. If you have questions about your enrollment or need to file for benefits call the applicable toll free number below (Monday-Friday, 7:00 a.m. -1 Central Time): Cardholder Security Plan- 1.888.668.6938; Payment Protection Plan- 1.888.838.0056 Service for International Calling Dial the AT&T Direct access code for the country you are in and dial 1.888.801.3723. For a list of access codes visit www.bankofamerica.c and select Credit Cards. You may also call us collect at 1.757.677.4701 Service for hearing-Impaired (TTY/TDD) Contact our service for the hearing-impaired at 1.800.222.7365. Pay on-line at www.bankofamerica.com or mail your payment BANK OF AMERICA, PO BOX 1758, NEWARK, N3 07101-1758 BILLING RIGHTS SUMMARY STATEMENT DISCLOSURE: In Case of Error or Billing Inquiries If you think your bill is wrong, or if you need more information about a transaction on your bill, you must write to us &w a separate sheet) atl must hear from you no later than 60 days after we sent you the first b the error or problem appeared. In your letter, give us the following hif Your name and account number The dollar amount of the suspected error Describe the error and explain, I you can, why you believe there is ai You do not have to pay any amount In question while we are investiga you are still obligated to pay the parts of your bill that are not in quest we investigate your questions, we cannot report you as delinquent or I action to collect the amount you question. Special Rule for Credit Card Purchases If you have a problem with the quality of goods or services that you pi with a credit card, and you have tried in good faith to correct the probl the merchant, you may not have to pay the remaining amount due on or services. You have this protection only when the purchase price wa than X50 and the purchase was made in your home state or within 101 your mailing address (if we own or operate the merchant, or if we mai advertisement for the property or service, all purchases are covered re the amount or location of purchase). IMPORTANT CREDIT BUREAU REPORTING INFORMATION REQUIRED BY FEDERAL LAW DISCLOSED TO YOU WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE RI IN YOUR CREDIT REPORT. For address changes, you may access your account online at www.bankofamerica.com. call 1.800.732.9194 or write your address changes below. Please Include your account number to ensure accurate processing. Address City State Zip Home Phone Work Phone E-mail Address By providing us with your e-mail address, you agree that we may communicate with you by electronic mail. Prompt Crediting of Payments We will credit any payment as of the date we receive It as long as it Is mailed with the enclosed payment coupon and received by us no later than 12:00 noon at either the P.O. Box on the front or the P.O. Box above. Crediting of all other payments may be delayed up to 5 days. AN payments must be In the form of a check or money order drawn in U.S. dollars on a financial institution located In the U.S. or the U.S. Post Office or made by electronic funds transfers; however cash payments may be made in person at our banking centers only. pleas 00 P.M. Exhibit C cont. ?, We on which error ng, but in. While ke any in with he goods more miles of A you the ardkss of BE BARBARA K BEVIL Exhibit C cont. Account Number: XXXX-XXXX-XXXX4183 Your account is past due. Please remit the Minimum Payment Due immediately. Call our Collections Department at 1.800.236.6497. - Bank of America j Page 3 ar3 Customer Corner BARBARA K 2EV''_ Ascount Number: 4888 6070 0267 4183 Exhibit D Your Bank of America Visa® Account New Balance $17,981.02 Past Due Amount $776.07 Total Credit Line $17,500.00 Available Credit $0.00 Cash Limit $17,500.00 Available Cash $0.00 Overlimit Amount $446.02 Billing Date 01/26106 Minimum Payment Due $1,458.72 Payment Due Date 02/20/06 24-Hour Customer Service 1.800.732.9194 Pay online! Visit For Lost or Stolen Cards 1.800.848.6090 www.bankofamerica.com Transactions View recent transactions and pay your bill online at www.bankofamerica.com. POST. TRANS. REF. DESCRIPTION AMOUNT DATE DATE NO. CR=CREDIT Jan 20 Jan 20 LATE PAYMENT FEE $39.00 Jan 26 Jan 26 OVERLIMIT FEE ASSESSED FOR JAN 26, 2006 $35.00 Jan 26 Jan 26 PERIODIC FINANCE CHARGE $466.91 Account Summary Previous Balance $17,438.11 Purchases + $0.00 Cash Advances + $0.00 Other Debits + $74.00 Credits - $0.00 FINANCE CHARGE + $468.91 Payments - $0.00 New Balance = $17,981.02 Past Due Amount = $776.07 Finance Charge Summary Corresponding Daily (D) / Monthly (M) Average Daily Minimum M / APR Periodic Rate Balance (ADB) Periodic (P) Charge Purchases 31.240% 0.08559%v D $17,672.69 $468.91 P Cash 31.240% O.OB559%v D $0.00 $0.00 P ANNUAL PERCENTAGE RATE 31.240% v=variable Your account remains past due and has been referred to our Collections Department. Please remit the Minimum Payment Due immediately. Call toll free at 1.800.500.5306. Bankof America Customer Corner In accordance with your rdhoide Agreement, Penalty Rate ricing has been placed on your ccount. Your account will return t its Standard Contract Rates fter you make the Minim Pam =S nt Due ec'Litt on-time for six ly months without going overlimit. In accordance with your ( Agreement, your account remain in Penalty Rate Pi going Overlimit. We look to returning your account Standard Contract Rates receiving six consecutive on4ime payments withoul overlimit. cing for forward o its Pon onths of going 0027500 0145872 1798102 4888607002674183 BANK OF AMERICA PO BOX 1758 NEWARK NJ 07101-1758 1111111 hill 11111111111 1111111111111111 11111 1111111 BARBARA K BEVIL 650 WALNUT BOTTOM RD SHIPPENSBURG, PA 17257-9648 Account Number 4888 6070 0 7 4183 Payment Due Date 02120/06 Total Minimum Payment Due 1,458.72 New Balance: $17,981.02 Amount Enclosed iuriiiuriNeititi,i,iariiaiatiintiniinini,iriinniiui Make checkormoncyorderpayabieto.Bank- fAmeri ca. This is an electronic reproduction of your statement and includes account information only. RNANCE CHARGE W ib t U cont. Annual Percentage Rate (APR) Refer4o the Finance Charge Summary section of your statement for your current rates. A "v" next to a Periodic Rate means the rate may vary. If your statement has a Cash Advance Fee, the Annual Percentage Rate will look inflated because we annualize the Cash Advance Fee as I it applies each month over a 12-month period. We do this to meet federal disclosure requirements. Grace Period on New Purchases (at least 20-days) You can avoid Finance Charges on new Purchases that posted on this statement if your Previous Balance is zero (or a credit balance) and we receive full payment of the New Balance by the Payment Due Date. If so, you have from the date you made your purchase until the payment Due Date on the front to avoid any finance charge on that purchase. If your Previous Balance is greater than zero, there is no time period to pay the New Balance and avoid additional finance charges. There is no grace period for Cash Advances and Balance Transfers. Periodic Finance Charge Calculation Method - Average Daily Balance (Including New Transactions) For each day in the Billing Cycle, we take your beginning balance, add any new transactions or other debits (including other fees and charges) and subtract any payments or other credits. This gives us that day's Daily Balance. We multiply this Daily Balance by the Dally Periodic Rate to get your Periodic Finance Charge for that day. We add these Periodic Finance Charges to your Dally Balance to get the beginning balance for the next day. To get your total Periodic Finance Charge for this Billing Cycle, we add all of the Daily Periodic Finance Charges and round the sum to the next highest cent. This amount is also equal to the Average Dally Balance multiplied by the Daily periodic rate times the number of days In the Billing Cycle rounded to the next highest cent. To determine an Average Daily Balance, we add your Daily Balances and divide by the number of days In the Billing Cycle. We do this calculation separately for each feature such as Purchases, Cash Advances, Balance Transfers or Promotional Balances. Periodic Finance Charges begin to accrue from the later of the transaction date or the Statement Date of the Statement on which the transaction appears. Account Renewal Information for Open Accounts If your account has an Annual Fee and it is billed on this Statement, we will reverse the fee if you cancel your account and pay off any existing Balance within 30 days of receipt of this Statement otherwise, the Annual Fee Is non-refundable. You may continue to use your account during the 30-day period before you cancel. To cancel, write us at the Billing Inquiries address or call us at the phone number on the front. Your Liability Our records show that you are liable for any outstanding balance on this account if your name appears on the front of this statement or you otherwise agreed. Report a Lost or Stolen Card Immediately Call the 24-hour toll free number 1.800.848.6090. Do not use your account after you report a lost or stolen card. If you have questions about your enrollment or need to file for benefits, please call tile applicable toll free number below (Monday-Friday, 7:00 a.m. 1 :00 P.M. Central Time): Cardholder Security Plan- 1.888.668.6938; Payment Protection Plan- 1.888.838.0056 Service for International Calling Dial the AT&T Direct access code for the country you are in and dial 1.888.801.3723. For a list of access codes visit www.bankofamerica.coi and select Credit Cards. You may also call us collect at 1.757.677.4701 Service for hearing-Impaired (TTY/TDD) Contact our service for the hearing-impaired at 1.800.222.7365. Pay on-line at www,bankofamerica.com or mail your payment o: BANK OF AMERICA, PO BOX 1758, NEWARK, N] 07101-1758 BILLING RIGHTS SUMMARY STATEMENT DISCLOSURE: In Case of Error or Billing Inquiries If you think your bill is wrong, or if you need more information about a transaction on your bill, You must writ 1390. N Nzirfo_lk VA 23501-1390 as soon as DomA* to Your CW CL We must hear from you no later than 60 days after we sent you the first b' on which the error or problem appeared. In your letter, give us the following inf ation: Your name and account number The dollar amount of the suspected error Describe the error and explain, if you can, why you believe there is an error You do not have to pay any amount in question while we are investigat g, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your questions, we cannot report you as delinquent or a any action to collect the amount you question. Special Rule for Credit Card Purchases If you have a problem with the quality of goods or services that you pu chased with a credit card, and you have tried in good faith to correct the prob with the merchant, you may not have to pay the remaining amount due on a goods or services. You have this protection only when the purchase price more than $50 and the purchase was made In your home state or within 100 miles of your mailing address (If we own or operate the merchant, or if we ma you the advertisement for the property or service, all purchases are covered rdless of the amount or location of purchase). IMPORTANT CREDIT BUREAU REPORTING INFORMATION REQUIRED BY FEDERAL LAW TO DISCLOSED TO YOU WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE RE IN YOUR CREDIT REPORT. For address changes, you may access your account online at www.bankofamorka.com, call 1.800.732.9194 or write your address changes below. N you choose to call the 800# provided, you must have your credit card present. Please Include your account number to ensure accurate processing. Address City State Zip Home Phone Work Phone E-mail Address By providing us with your a-mall address, you agree that we may communicate with you by electronic mail. Prompt Crediting of Payments We will credit any payment as of the date we receive it as long as It is mailed with the enclosed payment coupon and received by us no later than 12:00 noon at either the P.O. Box on the front or the P.O. Box above. Crediting of all other payments may be delayed up to 5 days. AN payments must be In the form of a check or money order drawn his U.S. dollars on a financial Institution located M the U.S. or the U.S. Post Office or made by electronlc funds transfers; however cash payments may be made in person at our banking centers only. Exhibit E Worldwide Asset Purchasing II, LLC PO BOX 50401 Henderson, NV 89016 Acct No: Unpaid Balance: Amount Enclosed: 47132 $22,572.69 --- Please Remit this Portion with Your Payment -- Bank of America, NA, USA Account Statement Original Issuer: of America, NA, USA BARBARA K BEVIL 650 WALNUT BOTTOM RD SHIPPENSBURG PA 17257 Account# 4888936997547132 Statement Date: Unpaid Balance: Payment Due Date: APR: 10/30/2006 $22,572.69 Account In Default 32.24% This statement was prepared by Worldwide Asset Purchasing il, LLC bas d on the furnished business records of Bank of America, NA, USA. V s ' tb W? s fit 4w ' mew,tkf Z 'm 3 Q -tint m oL?a 11$ i. fit fill, s14 .06 9 1 1 'f .2 41* if. ? $ oe ;aI car b Ella I •9 y ' ?? ?? ? ? ? ?? ? '? ? ?. • fir. ? ? < 3 g lit fill `= u# S .. Ii it I 1 1 a a av ?? b s CIL 3 In's .i.?a f air a? $211 , a ? RV . i s lit 2 • Ali v S* $ AIR it its d LL - a b lit _ N- 1: it's 4 r 9? 0 Qi # fill s . 1.11 R t Exhibit F cont.' r' I I Bank of kv?erlca ViSA• OR CARD' CAADME)MAS AGREESUE r ' ADDITiOhtAL t8 CLOSURE ma b?pMiq M+?+ss ors iar VbL MWaeCard. V.W Gila Gm Mabre" or FINMUM ? Aeeowt rAmmwt-} • ?'7ra? lar rw wmt h OR -#* h S+a ?reebaid Caroew,rDer AWs~ appy. X We la a Meets M t+fa Addl?a+al ft 0mcbm"wattbafbt " YOUR ACCOWr r your 8tirr at AmAm" ace caew+o scemnr Is aarararm f andyourAeeeuRkSraes4br ?stASCSOrIwemayaansfu 1wrOt km yw Aaa s w ra o MCI (h nxAw" or StaOj as beg ae you AFMM fA i - warabls peak ant youweraitoeAAtvnhr0- kyenseiwe?r'9seearx k ausl" Cawwft ONrdrah w ra be am%w. Flt1AiICli CNARisE . Mk*w Phunsa Cho" aw in uy a" cyda in:wdch rxs oapp irsaad on a parloale,m Impu crAm 19 . Advaam Faaa: ' Advae6a{ end A=MS ON .06ri>wn) ft - 3% (" om *-I.ftftlioa--3%(S6 Caslr Olmessrn "-- 3% (SIO i OuW cash - Ili. (S1A PV *ft RA123 Each q wt . we ammapm Yra byt-*v s t hdaa MM ft lr.Ayirna wN an mmm Ova roam • tr lugs a&. moon bars) iAsr k` M Misbad h JAI Rrar attar Jbu t m fn hdsx h l ! alod am wa bIwA ig dust >o your arms h ree. M?NowGip . g alch- IAr tei dlrteriftna feu' Ysdax b Mrdat M ¦1a Alpsah mete 6i'- Lad Owba" De v Inc vAm DMn Ax NuwmlM JsmsyFsbwn AMreA Arty s Aer. AYra& 300 Oar ' Aught alYOal. NDearnbt?. CaCaxl@tr r . ? 1Nr-yefcO PaOe? SC-SMPR3-" 01999! olAmsrita Exhibit F cont. C!W- w go krda k ulavWWAm an sw Osw duabod aborw• wa MP a1 ow qwm um (O ar ww" d'a a" anaa ola day ieer _.... .; .. _ __ _... . ft kwex Cale. a (h) fwe Warenoa at 9" d MAO= NT35A _ va Day PubeJa Rats k to Ammud Pwamm a Run » ; - dhidu3 b/ ft p{aaDK Of dop in ya+1r r6lsrdld b ills nl7? s « •? _ •. ,.., 1QQhas1 hundred thousww* of a point _ ?t ? ' • ."•a.? • «_«S .« •F? ? i• i i '- lf'OItlOY011r sak110ea2 =? +.?. ,? Ardrqd Pwowftp RsM (- of a.9% %01058% D* pas Reis) sR a+raoaO t"Ug , • 5+a sbah bbnp qcM lotairkq to rtronOr yarn Aacma was ?enecl TommUd . Ow APR Wow sppty a! pu h sft Pusahassli: ? gwrry tr wo pAare ('kwwo plus S49 pMt arMaps 0 A+st 84Md Oft lon%ft Our a,Kant A P m ewdoo Rafts 1JA% osrrwpo NA9 D* Caeb J(dvsnosst• - The Am" HeawwBa Rsh for adwrcw a vVioble ate. • ae;ualablaAusrearyasJhe>n?ds?cWus oeaeaxspePoirs.wlt? a a k m on Aamd PaSwrlrOs rA6 af. IOJ%. Bond of ink lore uft go argae irsnas/ now k IILB% (0.05425% . oarespandkrp Cat+y f+Mrodk ? . Payer A Psrlsanmmw •The Annw Pwtwvu" Pon de Ob In d* ACddond ? at an IRMO we MAIM it t Pyidar rrnnee ft k M Capdmon6 *wrm Rsls q 2MT corrasportalriq ? OTHOR Cf1ARQM W Chsrpc 329 O"drnk Par tZ4 Rsasned Parew t FirK 326 S" p""WOM $11s _ Copy Chatgse S3 pss iMm ; f hoewch Far. 315 w horn - • AtMeft kAmm&*Wn S ? 4 limp aaaia us b afw0 ' ym or x 1 ' ygw Aeamm in adzes. M or illRalee 0 4 : sum" Womoolkirrim I'm Atebrsrt %VftWo CQ? tyood*nefvAmh - . usbshareOrasfdtlnfosnrar.yan vN#sM9aMrdAmedes, RQ 6oor T7CQi.75elr1ror 1U1'?31 b dt aaL and fraeMrOs . you nsn+w addrwa. 69100o w . Acgom s manta(s) and so" aecukynmvibw. ' .F .,? ' •t. .?????,.• ?,'-+"F'?.C;,?r,;?'.?Y°,'i;?F?!•4A,7K: 3•ct:+'!•?"Y[rt;+?;•+v?.f. ?%'•??`•?!":?:: 4 A IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CLAIMS RECOVER ; SYSTEMS NO: Plaintiff, V. BARBARA BEVIL Defendant ORDER AND NOW, this day of upon consideration of the foregoing petition, it is hereby ordered that argument shall be held on in Courtroom of the CUMBERLAND County Courthouse By: rt n IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CLAIMS RECOVER SYSTEMS NO: Plaintiff, V. BARBARA BEVIL Defendant CERTIFICATE OF SERVICE I hereby certify that I am this date serving the foregoing document and giving notice of its presentation to the Court on the 9?" day of June, 2009 at 4 o'clock by certified mailling, return receipt requested, to Barbara Bevil, 650 Walnut Bottom Road, Shippensburg Pennsylvania 17257. June I m, 2009 Thomas L. Maher Esq. Attorney for Claims Recovery Systems` A I. BARBARA K BEVIL YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY AN ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR 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 THE TELEPHONE OR THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 1-800-990-9108 717-249-3166 FILED? f'_)Fl-- 'E OF Tt c" p i C`'\ 1 TAR W3 Jutj 12 t x'18 •SG Pd AlW CV*(glOa yo mac, IL Aw 15 /6 4 -.2 yS4 COMMONWEALTH OF PENNSYLVANIA CUMBERLAND COUNTY In the Matter of: 09--3w Clvi t 1e_m CLAIMS RECOVERY SYSTEMS V BARBARA BEVIL NOTICE OF APPEARANCE Please enter my appearance in the above-designated matter on behalf of CLAIMS RECOVERY SERVICES. I am authorized to accept service on behalf of said participant in this matter. On the basis of this notice, I request a copy of each document hereafter issued by the COUNTY OF CUMBERLAND in this matter. Thomas L Maher Esq. #207970 PO Box 73 Sewickley PA 15143 (412) 583-3123 FILED_Or.-FI ? OF IH Prat r? t?T,gRY 2009 JUN pM 2 PEN ,w :, WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of $28,073.84 and court costs. Respectfully submitted, ,,;/ By: Thomas L. Maher Esq ID # 270970 Attorney for Plaintiff Claims Recovery Systems .y IN THE COURT OF COMM PLEAS OF CUMBERLAND COUNTY, dSYLVANIA DIVISION CLAIMS RECOVER SYSTEMS ~o ~~ S Plaintiff, v. BARBARA BEVIL Defendant October 7th, 2009 Type of Pleading Ar"tsx~E-c~ COMPLAINT Filed on behalf of Claims Recovery Systems Plaintiffs Counsel of Record: THOMAS L. MAHER, ESQ. Pa I.D. #207970 THIS IS AN ATTEMPT TO CO ANY INFORMATION OBTAIN Law Office of Thomas L. Maher PO Box 73 Sewickley, Pennsylvania 15143 (412) 583-3123 ECT A DEBT BY A DEBT COLLECTOR AND ~ WILL BE USED FOR THAT PURPOSE. K BEVIL YOU HAVE BEEN SUE] AGAINST THE CLAIMS SET FO TAKE ACTION WITHIN TWEN7 NOTICE ARE SERVED, BY PERSONALLY OR BY AN ATT~ COURT YOUR DEFENSES OR AGAINST YOU. YOU ARE WAR MAY PROCEED WITHOUT YC AGAINST YOU BY THE COU MONEY CLAIIviED IN THE CC RELIEF REQUESTED BY THE PROPERTY OR OTHER RIGHTS ] IN COURT. IF YOU WISH TO DEFEND tTH IN THE FOLLOWING PAGES, YOU MUST Y (20) DAYS AFTER THIS COMPLAINT AND ENTERING A WRITTEN APPEARANCE )RNEY AND FILING IN WRITING WITH THE OBJECTIONS TO THE CLAIMS SET FORTH NED THAT IF YOU FAIL TO DO SO THE CASE U AND A JUDGMENT MAY BE ENTERED CT WITHOUT FURTHER NOTICE FOR ANY MPLAINT OR FOR ANY OTHER CLAIM OR PLAINTIFF. YOU MAY LOSE MONEY OR MPORTANT TO YOU. YOU SHOULD TAKE PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LA R OR CANNOT AFFORD ONE, GO TO THE TELEPHONE OR THE OFFICES T FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. ~RLAND COUNTY BAR ASSOCIATION 32 SOU Ii BEDFORD STREET C ISLE, PA 17013 1-800-990-9108 717-249-3166 FACTUAL AVERMENTS 1. Plaintiff, Claims Recovery Sy~tems, Inc. is a corporation with offices at 6 East Main Street, Carnegie, Pennsylvania, and, for valuable consideration is an assignee of the rights of West Asset Management Inc., an assignee of Worldwide Asset Purchasing II, LLC., an assignee of Bank of America [Bills of Sale/Assignments attached as xhibits "A"] stands in its assignor's stead, and all are hereinafter referred to inte~{changeably as "Plaintiff'. 2. Defendant Barbara Bevil is a~ adult individuals residing at 650 Walnut Bottom Road, Shippensburg Pennsylvania 17257 [hereinafter referred to as "Defendant"]. I -Breach of Contract 3. This count incorporates the pr~ceding paragraphs one through two. 4. Upon information and belief, efendant made an application with Plaintiff for the issuance of a line of credit o February 15`h of 1994, in the form of a, Bank of America Visa Card. Said redit was utilized by the Defendant who accrued charges of $17,981.02 until F bruary 20`x' of 2006 when, due to non-payment, the account was frozen and put records ofnon-payment]. rate of 32.24% after its sale Defendant with a balance of after sale to Plaintiff, Claims ito collections [See Exhibits "B" through "E" for pest accrued on this account at an annual percentage Worldwide Asset Purchasing II, LLC., leaving the 28,073.84 [see Exhibit "E"]. Interest was stopped Systems. 5. In receiving said line of credit, forth by Bank of America found in the disclosures in P out in the Visa Cardmember agreed to the terms and conditions set repayment. These terms and conditions are s Exhibits "B" though "E" and specifically set Went marked as Plaintiffls Exhibit "F". 6. Defendant accepted the terms ~f the written account agreement by using the Visa credit card account number 488607002674183 for purchases, cash advances, and/or balance transfers. 7. Defendant was mailed accoun} statements relative to Defendant's use of the credit card. 8. The Defendant has defaulted ~nder the terms of the Agreement by failing to make monthly payments as th y became due and owing. 9. Defendant failed to honor the agreement and neglected to make payments on the line of credit and is therefore i breach of contract with Plaintiff. 10. The last payment of the 1 1. Although repeatedly and/or refused to pay the Defendant is indebted to seventy three dollars and aforementioned Bank of was received and credited on 11/18/05. to do so by Plaintiff, Defendant has willfully failed pal balance or any part thereof to Plaintiff. To wit, iff in the amount of twenty eight thousand and four cents for charges made on the Visa Card. 12. Pursuant to the terms of the declare the entire unpaid demand. 13. Pursuant to the terms of the unpaid balance. 14. Pursuant to the terms of the costs and reasonable attorneys WHEREFORE, Plaintiff requests juc amount of $28,073.84 and court costs. ~ment, Plaintiff, upon default in payment, may immediately due and payable without notice or Defendant, is liable for interest on the Defendant, is liable for Plaintiff s court in its favor and against Defendant in the Count I -Account Stated 15. Plaintiff incorporates the alleg tions of every paragraph enumerated above of this Complaint as if said paragraphs w re fully set forth here at length. 16. The within account was an ccount in writing and expressly or impliedly accepted by both parties. 17. The amounts due and owin to Plaintiff by Defendant are based on a subsisting debt and arise from a preexi ting account or course of dealing between the parties. 18. This account is an over the amounts due. Stated, thereby operating to foreclose any dispute WHEREFORE, Plaintiff requests j amount of $28,073.84 and court in its favor and against Defendant in the Count ICI -Quantum Meruit 19. Plaintiff incorporates the allegations of every paragraph enumerated above of this Complaint as if said paragraphs w re fully set forth here at length. 20. The services provided by P aintiff, by and through its predecessor in interest, and same were received by th Defendant, and the Defendant received and accepted the benefit of said services 21. At all times material by Plaintiff. Defendant was aware that Plaintiff by and through its predecessor in interest, providing the aforesaid services to Defendant and expected to be paid for such. 22. At all times material Defendant, with the aforesaid knowledge, permitted Plaintiff by and through its aforementioned services and incur da in interest, to provide the 23. At all time material hereto, the Defendant was unjustly enriched by retaining the benefit of receiving said without paying Plaintiff or its predecessors fair and reasonable compensation. 24. By reason of the aforesaid ~Znjust enrichment of Defendant at Plaintiff s expense, an implied contract exists the Plaintiff and the Defendant, and the Defendant is obligated to pay Plai: the exhibits attached hereto, in the value of the services described above and in of $28.073.84 . WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of $28,073.84 and court costs. Respectfully submitted, ,---- sy: ~JLc- ~_~~ Thomas L. Maher Esq ID # 270970 Attorney for Plaintiff Claims Recovery Systems IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CLAIMS RECOVER SYSTEMS Plaintiff, v. :: BARBARA BEVIL Defendant NO: CERTIFICATE OF SERVICE I hereby certify that I am this date serving the foregoing document and giving notice of its presentation to the Court on the 7`~' day of October 2009, by the Sheriff of Cumberland County, to Barbara Bevil, 650 Walnut Bottom Road, Shippensburg Pennsylvania 17257. C~/.~ June 9~', 2009 Thomas L. Maher Esq. Attorney for Claims Recover~ystems Q3i19i2007 14:12 FIA CARD SERVICES N.~1. ~ 917709373058 Exhibit A Bank of America, N.A. (USA) (" ellet"}, for value received and ptusuant to the terms and conditions of a Arno t Forward Flow Agreem®t ("AgreemenY~ between Seller and Worldv+ide d Purchasing Xl, (`Buyer"), dated September 20, 2006, does hereby sell, assign d convty to Buyet, its successors and assigns, all right, title and interest of Sell is and to those ~ ~~e s~ddcfin~d 1 ~ the Agreement and .as set Forth on Exhibit B, representation of or warranty of llectibility, or othttwise, except to the extcrtt provided for witliin the Agrecrn E~CUTED this 28th day o£No ember 2006. ~ Beak of Adlla~j{a. N.A. ~nFn Nama and Title STATE OF 1 ~' r COUNTY OF „~,1Q~ .~ . This imstrumcat _) i,M of Notarial Title and Rank My Commission E:q~ires: PAMEIA y 10NNS0 ~ot+~r quluc su~~,o~ oEUw~E. 8y C081~S(~N E~kPfRfS OCIO~R 41.1401 . ': SS N0.222 ,, ! ' ~ ~$ ) ~D. by me vn ,. ~ of America, N.A. (IJSA) . D006 Exhibit A Worldwide Asset Purchasing II, LLC ("Seller' to the terms and conditions of an Accounts Sale Agree Seller and West Asset Management, Inc. ("Buyer"), d. and convey to Buyer, its successors and assigns, all rid those certain Accounts as defined in the Agreement, w of or warranty or collectibility, or otherwise, except to Agreement. EXECUTED this 26th day of December, 2007. FILE TRANSFER DATE was the 26th day of l World By; 2007. Asset Purchasing II, LLC Richard K LEardeberg, EVP STATE OF . COUNTY OF , SS This in,~str~yume/nt was acknowledged before me on LLC. M-~ ~' ign~afure of Notarial Officer Title and Commission Expires ,, for value received and pursuant ;nt ("Agreement"), between 3 12/26/2007 does hereby sell, assign title and interest of Seller in and to out recourse and without representation extent provided for within the ~-~^- ~'~, 2007, by of Worldwide Asset Purchasing II, ShonJra ~ Shahid uuau-' ~ ~ , Exhibit A 9 d° J -~' a BILL OF SALE West Asset Management, Inc. ("Seller"), for valu received and pursuant to the terms and conditions of an Accounts Sale Agreeme t ("Agreement"), between Seller and Claims Recovery Systems, Inc. ("Buyer"), date February 15, 2008, does hereby sell, assign and convey to Buyer, its successors and assigns, all right, title and interest of Seller in and to those certain Accounts as defined in the Agreement, wi hout recourse and without representation of or warranty or collectibility, or otherwis ,except to the extent provided for within the Agreement. EXECUTED this ?day of ~ FILE TRANSFER DATE was the ~'S, day of West By: ACKNO 2008. C u . G, r ~ f .2008. STATE OF i . SS COUNTY OF ~-Ir~~r ~ K.e ~ : This in(st~rument was ackn wledged before me.on Signature of Notarial Officer t ~.1="x_,2008, by of West Asset Management, Inc.. ,p~li11F11/~ ~~°~aE R E Y~O ~~°'i ~.`• ~ ••• O ~~ a ~ .•'. aSION _•. O I_ Title and Commission Expires .. ~ OTARy ; .. ~ Q~ ~• _n.~ ~ • C7 _ G .-m' ~/81.~ .p • ~- O .• ., F ••.......•• ' ~~ 3ARBARA K BEVIL ~hibit B •Account Number: 4888 6070 026 4183 Your Bank of America Visa® Account nls,., R~I~nrn 516.886.66 Total Credit Line $17,500.00 Available Credit. $613. 4 Cash Limit $17,500.00 Available Cash $613. 0 Overlimit Amount $0.00 Billing Date 11126/ 5 Minimum Payment Due $287.77 Payment Due Date 12/21/ 5 24Hour Customer Service 1.800.732.9194 Pay online! Visit For Lost or Stolen Cards 1.800.848.6090 www.bankofamerica.co Transactions View recent transactions and pay your bill online at www.bankofamerica.com. POST. TRANS. REF. DESCRIPTION AM DATE DATE NO. CR=C UNT EDIT Nov 02 Nov 01 24692165305000692946128 ALLSTATE PAYMENT 600-255-78261E $ 0.00 Nov 03 Nov 01 24692165306000788319759 SUNOCO SVC STATION SHIPPENSBURG PA $ 3.00 Nov 05 Nov 04 24110395308268440407505 1800 PETMEDS 954.979.5996 FL $ 6.99 Nov 10 Nov 08 24692165313000354779643 SUNOCO SVG STATION SHIPPENSBURG PA $ 2.00 Nov 18 Nov 18 32285400010007400213900 PAYMENT -THANK YOU CR $2 5.00 Nov 18 Nov 17 24733095322286299800110 PUFF N SNUFF SHIPPENSBURG PA $ 4.48 Nov 23 Nov 21 24692185326000439863803 SUNOCO SVC STATION SHIPPENSBURG PA $ 1.00 Nov 25 Nov 23 24455015327140015986993 WAL-MART #5358 SHIPPENSBURG PA $ 5.66 Nov 26 Nov 26 PERIODIC FINANCE CHARGE $2 Account Summary 7.77 Previous Balance Purchases Cash Advances Other Debits Credits FINANCE CHARGE Payments New Balance ..._____ t+...Y .Y ~.... $16,550.74 $333.15 $0.00 $0.00 $0.00 $277.77 $275.00 $16,886.66 Corresponding Daily (D) /Monthly (M) Average Daily Minimum (M~/ APR Periodic Rate Balance (ADB) Periodic (P) Chl rge Purchases 19.490% 0.05340%v D $16,779.47 $277.7 P each 22.740% 0.06231 °,6v D $0.00 $0. 0 P ANNUAL PERCENTAGE RATE 19.864% BankofAmerica ~j esanKO- ~~menca -vim Customer Corner 0027500 0028777 1688666 488860700'674183 o~,,..,a„~ r`,,,,~~~ BANK OF AMERICA Po Box 1758 NEWARK NJ 07101-1758 ii~niim~nr~i~~uun~~nr~i~n~ir~r~riu~n~r~r~n~i~m~~ BARBARA K BEVIL 650 WALNUT BOTTOM RD SHIPPENSBURG, PA 17257-9648 Acco ~ nt Number 4888 6070 0267 4183 Payme t Due Date 12/21/05 Total inimum Payment Due $287.77 $16,886.66 Enclosed ~m~~~urin~iii~~~r~m~~~~nr~~nr~u~~n~rr~i~ri~n,~~~n~ MakgcheckormoneyorderpayabtetoBanl:of:\mcrica. This is an electronic reproduction of your statement and includes account info>j mation only. 1MYVKi AI71 11`/rV KMAl1VIV AtlVUI TUUK FINANCE CHARGE Exhibi' cont. Annual Percentage Rate (APR) Refer to the Finance Charge Summary section of your statement for your current rates. A "v" next to a Periodic Rate means the rate may vary. If your statement has a Cash Advance Fee, the Annual Percentage Rate will look inflated because we annualize the Cash Advance Fee as if it applies each month over a 12-month period. We do this to meet federal disclosure requirements. Grace Period on New Purchases (at least 20-days) You can avoid Finance Charges on new Purchases that posted on this statement if your Previous Balance is zero (or a credit balance) and we receive full payment of the New Balance by the Payment Due Date. If so, you have from the date you made your purchase until the payment Due Date on the front to avoid any finance charge on that purchase. If your Previous Balance is greater than zero, [here is no time period to pay the New Balance and avoid additional finance charges. There is no grace period for Cash Advances and Balance Transfers. Periodic Finance Charge Calculation Method -Average Daily Balance (Including New Transactions) For each day in the Billing Cycle, we take your beginning balance, add any new transactions or other debits (including other fees and charges) and subtract any payments or other credits. This gives us that day's Daily Balance. We multiply this Daily Balance by the Daily Periodic Rate to get your Periodic Finance Charge for that day. We add these Periodic Finance Charges to your Daily Balance to get the beginning balance for the next day. To get your total Periodic Finance Charge for this Billing Cycle, we add all of the Daily Periodic Finance Charges and round the sum to the next highest cent. lltis amount is also equal to the Average Daily Balance multiplied by the Daily periodic rate times the number of days in the Billing Cycle rounded to the next highest cent. To determine an Average Daily Balance, we add your Daily Balances and divide by the number of days in the Billing Cycle. We do this calculation separately for each feature such as Purchases, Cash Advances, Balance Transfers or Promotional Balances. Periodic Finance Charges begin to accrue from the later of the transaction date or the Statement Date of the Statement on which the transaction appears. Account Renewal Information for Open Accounts If your accowrt has an Annual Fee and it is billed on this Statement, we will reverse the fee ff you cancel your accowrt and pay off any existing Balance within 30 days of receipt of this Statement otherwise, the Annual Fee is non-refundable. You may continue to use your account during the 30-day period before you cancel. To cancel, write us at the Billing Inquiries address or call us at the phone number on the front. Your Liability Our records show that you are liable for any outstanding balance on this account if your name appears on the front of this statement or you otherwise agreed. Report a Lost or Stolen Card Immediately Call the 24-hour toll free number 1.800.848.6090. Do not use your account after you report a bst or stolen card. ~aranomer aecurlry clan°° / rayment t'rotr-^on rian If you have questions about your enrollment or 1 o file for benefits, please call the applicable toll free nulhber below (Monday . ~ Iday, 7:00 a.m. -10:00 p.m. Central Time): Cardholder Security Plan- 1.888.668.6938; Payment Protection Plan- 1.888.838.0056 Service for International Calling Dial the AT&T Direct access code for the country you are in and dial 1.888.801.3723. For a list of ;access codes visit www bankofamerka.com/contact and select Credit Cards. You MIay also call us collect at 1.757.677.4701. Service for hearing-Imparted (TTY/TDD) Contact our service for the hearing-impaired at 1.800.222.7365. Pay on-line at www.bankdfamerica.com or mail your payment to: BANK OF AMERICA, PO BOX 1756, NEWARK, N] 07101-1758 BILLING RIGHTS SUMMAi1Y STATEMENT DISCLOSUREt In Case of Error or Billing inquiries If you think your bill is wrong or if you need more information about a transaction on your bill, You ~ust write to us ion a separate sheeU at AO Box 1790 Norfolk VA 23501-13 as soon as possible to preserve your rights We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeareE~Il. In your letter, give us the falbwhtg information: - Your name and account nurltber - The dollar amount of the su$pected error - Describe the error and explain, if you can, why you believe there is an error You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we hwestigate your questions, we cannot report you as delinquent or take any action to collect the amount you question. Special Rule for Credit CaMd Purchases If you have a problem with th~ quality of goods or services that you purchased with a credit card, and you ha a tried in good faith to correct the problem with the merchant, you may not I~ve to pay the remaining amount due on the goods or services. You have this p tection only when the purchase price was more than $50 and the purchase w s made in your home state or within 100 miles of your mailing address (if we own or operate the merchant, or if we mailed you the advertisement for the propelt~ or service, all purchases are covered regardless of the amount or location of purchase). IMPORTANT CREDIT BUREAU REPORTING INFORMATION DISCLOSED TO YOU i~ i I REQUIRED BY FEDERAL LAW TO BE iNE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CRED~T BUREAUS. LATE 'AYMENTS, MISSED PAYMENTS OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED '.N YOUR CREDIT REPORT. For address changes, you may access your account online at www.bankofamerica.com. call 1.800.7#2.9194 or write your address changes below. Please include your account number to ensure accurate processing. Address City State Zip Home Phone Work Phone E-mail Address By providing us with your a-mail address, you agree that we may communicate with you by electronic Prompt Crediting of Payments We will cred'R any payment as of the date we receive ft as long as it is mailed wRh the enclosed payment, coupon and received by us no later than 12:00 noon at either the P.O. Oox on the front or the P.O. Box above. Credfting of all other paymentr may be delayed up to 5 days. All paymentr must be in the form of a check or money order drawn in U.S. dol~+rs on a financial instRUtion located in the U.S. or the U.S. Post Office or made by electronic funds transfers; however cash payments may be made In person at our banking centers onty. esanKOrHmerica %~~ BARBARA K BEVIL Account Number: 4888 6070 0267 4183 Exhibit C Your Bank of America Visa® Account New Balance $17,438.11 Past Due Amount $287.77 Total Credit Line $17,500.00 Available Credit $61.89 Cash Limit $17,500.00 Available Cash $0.00 Overlimit Amount $0.00 Billing Date 12/26/05 Minimum Payment Due $776.07 Payment Due Date 01!20/06 24-Hour Customer Service 1.800.732.9194 Pay online! Visit For Lost or Stolen Cards 1.800.848.6090 www.bankofamerica.c'om Transactions View recent transactions and pay your bill online at www.bankofamerica.cor~1. POST. TRANS. REF. DESCRIPTION DATE DATE NO. AN~IOUNT CR=~REDIT Dec 04 Dec 01 24692165337000367781067 SUNOCO SVC STATION SHIPPENSBURG PA $21.10 Dec 12 Dec 11 24455015345140017738889 WAL-MART #5358 SHIPPENSBURG PA 121.61 Dec 14 Dec 12 24892165347000396344406 SUNOCO SVC STATION SHIPPENSBURG PA !$2t.75 Dec 21 Dec 20 24733095355286299800086 PUFF N SNUFF SHIPPENSBURG PA $44.90 Dec 21 Oec 21 LATE PAYMENT FEE !$39.00 Dec 23 Dec 21 24692165356000305772380 SUNOCO SVC STATION SHIPPENSBURG PA 1825.00 Dec 28 Dec 26 PERIODIC FINANCE CHARGE $278.09 Account Summary Previous Balance $16,886.66 Purchases + $234.36 Cash Advances + $0.00 Other Debits + $39.00 Credits - $0.00 FINANCE CHARGE + $278.09 Payments - $0.00 New Balance = $17,438.11 Past Due Amount = $287.77 Finance Charge Summary Corresponding Daily (D) /Monthly (M) Average Daily Minimum (M / APR Periodic Rate Balance (ADB) Periodic (P) Ctfarge Purchases 19.740% 0.05409%v D $17,137.52 $278.b9 P Cash 22.990% 0.06299°,6v D $0.00 $O.bO P ANNUAL PERCENTAGE RATE 19.740% v=Variable BankofAmerica ~l Custom. ~orncr 0027500 0077607 1743811 4888607002674183 Pa ment Cou on BANK OF AMERICA Account Number 4888 6070 0267 4183 PO BOX 1758 Payment Due Date 01/20/O6 NEWARK NJ 07101-1758 Total Minimum Payment Due $776.07 i~~ut~nr~m~~~~unn~iuriiiu~~r~i~r~u~n~r~rin~riu~~~ New Balance: $17,438.11 BARBARA K BEVIL Amoulit Enclosed 650 WALNUT BOTTOM RD SHIPPENSBURG, PA 17257-9648 >; ;. ; ;. ,.,. ~nr~~~u~init~r~r~r~mi~~ini~~ni~ni~u~n~r~ri~nu~~~i~ Make checkoemoneyorderpayabletoBankoFArnericr.~ This ~s an elechnnic reproduction of your statement and includes account inlormetion only. ~.. FINANCE CHARGE Anuual Percentage Rate (APR) Refer to the Finance Charge Summary section of your statement for your current rates. A "v" next to a Periodic Rate means the rate may vary. If your statement leas a Cash Advance Fee, the Annual Percentage Rate will look inflated because we annualize the Cash Advance Fee as if tt applies each month over a 12-month period. We do this to meet federal disclosure requirements. Grace Period on New Purchases (at least 20-days) You can avoid Finance Charges on new Purchases that posted on this statement if your Previous Balance is zero (or a credtt balance) and we receive full payment of the New Balance by the Payment Due Date. If so, you have from the date you made your purchase until the payment Due Date on the front to avoid any finance charge on that purchase. If your Previous Balance is greater than zero, there is no time period to pay the New Balance and avoid additional finance charges. There is no grace period for Cash Advances and Balance Transfers. Periodic Finance Charge Calculation Method -Average Daily Balance (Including New Transactions) For each day in the Billing Cycle, we take your beginning balance, add any new transactbns or other debits (buluding other fees and charges) and subtract any payments or other credits. This gives us that day's Daily Balance. We multiply this Daily Balance by the Daily Periodic Rate to get your Perbdk Finance Charge for that day. We add these Perbdk Finance Charges to your Daily Balance to get the beginning balance for the next day. To get your total Periodic Finance Charge for this Billing Cycle, we add all of the Dash/ Periodic Finance Charges and rowed the sum to the next highest cent. This amount is also equal to the Average Dally Balance multiplied by the Daily periodic rate times the number of days in the Billing Cycle rounded to the next highest cent. To determine an Average Daily Balance, we add your Daity Balances and divide by the number of days in the Billing Cycle. We do this calculation separately for each feature such as Purchases, Cash Advances, Balance Transfers or Promotional Balances. Periodic Finance Charges begin to accrue from the later of the transaction date or the Statement Date of the Statement on which the transaction appears. Account Renewal Information for Open Accounts If your account has an Annual Fee and it is billed on this Statement, we will reverse the feerf you cancel your account and pay off any existing Balance within 30 days of receipt of this Statement otherwise, ties Annual Fee is non-refundable. You may continue to use your account during the 30-day period before you cancel. To cancel, write us at the Billing Inquiries address or call us at the phone number on the front. Your Liability Our records show that you are liable for any outstanding balance on this account if your name appears on the front of this statement or you otherwise agreed. Report a Lost or Stolen Card Immediately Call the 24-hour toil free number 1.800.848.6090. Do not use your account after you report a lost or stolen card. - ~ nr rmn ~ raymem nvtecuon rran If you~have questions about your enrollment or ne file for benefits, please call the applicable toll free number below (Monday .,y, 7:00 a.m. -10:00 p.m. Central Time): Cardholder Security Plan- 1.888.668.6936; Payment Protection Plan- l.Baes3s.oos6 Exhibit C coast . Service for International Calling Dial the AT&T Direct access code for the country you are in and dial 1.888.801.3723. For a listof access codes visit wtvw.bankofamerica.com/contact and select Credit Cards. You may also call us collect at 1.757.677.4701. Service for hearing-Impaired (TTY/TDD) Contact our service for the',hearing-impaired at 1.800.222.7365. Pay on-line at www.bankofamerica.com or mail your payment to: BANK OF AMERICA, PO BOX 1758, NEWARK, N7 07101-1758 BILLING RIGHTS SUMMARY STATEMENT DISCLOSURE: In Case of Error or Billing Inquiries If you think your bill is wrong, or 'rf you need more information about a transaction on your bill, you must write to us (on a seaarate sheet) at AO Bax 1390 Norfolk /A 13501-i390 as soon as aossible to areserve your riohts We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. In your letter, give us the following information: - Your name and account number - The dollar amount of the suspected error - Describe the error and explain, if you can, why you believe there is an error You do not have to pay any, amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your questions, we cannot report you as delinquent or take any action to collect the amount you question. Special Rule for Credit ~ard Purchases If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to corect the problem with the merchant, you may not',have to pay the remaining amount due on the goods orservices. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or wtthin 100 miles of your mailing address (tt we own or operate the merchant, or if we mailed you the advertisement for the property or service, all purchases are covered regardless of the amount or location of purchase). IMPORTANT CREDIT BUREAU REPORTING INFORMATION REQUIR~D BY FEDERAL LAW TO BE DISCLOSED TO YOU WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. For address changes, you may access your account online at vvww.bankofamerica.com. call 1.800.732.9194 or wrtte your address changes below. Please include your account number to ensure accurate processing. ' Address City State Zip Home Phone Work Phone E-mail Address By providing us with your a-mail address, you agree that we may communkate with you by electronic mail. Prompt Crediting of Payments We will credit any payment as of the date we receive tt as bng as tt is mailed with the enclosed payment coupon and received by us no later than 12:00 noon at either the P.O. Box on the front or the P.O. Box above. Crediting of all other payments may be delayed up to 5 days. All payments must be in the form of a check or money order drawn in U.S. dollars on a financial institution located in the U.S. or the U.S. Post Offke or made by electronic funds transfers; however cash payments may be made in person at our banking centers only. i Page 3 v. Your account is past due. Please remit the Minimum Payment Due immediately. Call our Customer Corner Collections Department at 1.800.236.6497. oanRV~ wmenca -ice BAR¢ARA K BEVIL Account Number: 4888 6070 0267 4183 Exhibit D Your Bank of America Visa® Account New Balance 517,981.02 Past Due Amount $776.07 Total Credit Line $17,500.00 Available Credit $0.00 Cash Limit $17,500.00 Available Cash $0.00 Overlimit Amount $446.02 Billing Date 01!26/06 Minimum Payment Due $1,458.72 Payment Due Date 02/20/06 24-Hour Customer Service 1.800.732.9194 Pay online! Visit For Lost or Stolen Cards 1.800.848.6090 www.bankofamerica.com Transactions View recent transactions and pay your bill online at www.bankofamerica.com. POST. TRANS. REF. DESCRIPTION AAiIOUNT DATE DATE NO. CR=QREDIT Jan 20 Jan 20 LATE PAYMENT FEE ',$39.00 Jan 26 Jan 26 OVERLIMIT FEE ASSESSED FOR JAN 26, 2006 535.00 PERIODIC FINANCE Account Summary Previous Balance $17,438.11 Purchases + $0.00 Cash Advances + $0.00 Other Debits + $74.00 Credits - $0.00 FINANCE CHARGE + $468.91 Payments - $0.00 New Balance = $17,981.02 Past Due Amount = 3776.07 Finance Charge Summary Corresponding Daily (D) /Monthly (M) Average Daily Minimum (M~ / APR Periodic Rate Balance (ADB) Periodic (P) Charge Purchases 31.240% 0.08559%v D $17,672.69 $468.91 P Cash 31.240% 0.08559%v D $0.00 $O.bO P ANNUAL PERCENTAGE RATE 31.240% v=Variable Your account remains past due and has been referred to our Collections Department. Please remit the Minimum Payment Due immediately. Call toll free at 1.800.500.5306. BankafAmerica Custon. Corner In accordance with your Cardholder Agreement, Penalty Rate Pricing has been placed on your account. Your account will return to its Standard Contract Rates after you make the Minimum Payment Due on-time for six consecutive months without going overlimit. In accordance with your Cardholder Agreement, your account will remain in Penalty Rate Pricing for going Overlimit. We look forward to returning your account to its Standard Contract Rates upon receiving six consecutive months of on-time payments without going overlimit. 0027500 0145872 1798102 4888607002'674183 Pavment Coupon BANK OF AMERICA Po Box 1758 NEWARK N] 07101-1758 iiiu,iurinriiiinnaiinriiin,iriri,ininiri,inirinrii Account Number 4888 6070 0267 4183 Payment Due Date 02120/06 Total Minimum Payment Due $1,458.72 New Balance: $17,981.02 FINANCE CHARGE ~Xh1b1t 1 Int. Annual Percentage Rate (APR) Refdr to the Finance Charge Summary section of your statement for your current fates. A "v" next to a Perbdic Rate means the rate may vary. If your statement leas a Cash Advance Fee, the Annual Percentage Rate will look inflated because we annualize the Cash Advance Fee as if it applies each month over a 12-month period. We do Otis to meet federal disclosure requirements. Grace Period on New Purchases (at least 20-days) You can avoid Finance Charges on new Purchases that posted on this statement ff your Previous Balance is zero (or a credit balance) and we receive full payment of the New Balance by the Payment Due Date. If so, you have from the date you made your purchase until the payment Due Date on the front to avoid any finance charge on that purchase. If your Previous Balance is greater than zero, there is no time period to pay the New Balance and avoid additional finance charges. There is no grace period for Cash Advances and Balance Transfers. Periodic Finance Charge Calculation Method -Average Daily Balance (Including New Transactions) For each day in the Billing Cycle, we take your beginning balance, add any new transactions or other debits (including other fees and charges) and subtract any payments or other cred'ns. This gives us that day's Daily Balance. We muRlply this Daily Balance by the Daily Periodlc Rate to get your Periodic FOiance Charge for that day. We add these Periodic Finance Charges to your Daily Balance to get Ole beginning balance for the next day. To get your total Periodic Finance Charge for this Billing Cycle, we add all of the Daily Periodic Finance Charges and round the sum to the next highest cent. This amowrt is also equal to the Average Daily Balance multiplied by the Daily periodk rate times the number of days in the Biltlng Cycle rounded to the next highest cent. To determine an Average Daily Balance, we add your Daily Balances and divide by the number of days in the Billing Cycle. We do this calculation separately for each feature such as Purchases, Cash Advances, Balance Transfers or Promotional Balances. Periodic Finance Charges begin to accrue from the later of Ole transaction date or the Statement Date of the Statement on which the transactan appears. Account Renewal Information for Open Accounts If your account has an Annual Fee and lt is bailed on this Statement, we will reverse the fee if you cancel your account and pay off any existing Balance within 30 days of receipt of this Statement otherwise, the Annual Fee is non-refundable. You may continue to use your account during the 30-day period before you cancel. To cancel, write us at Clre Billing Inquiries address or call us at the phone number on the front. Your Liability Our records show that you are liable for any outstanding balance on this account if your name appears on the front of Oris statement or you otherwise agreed. Report a Lost or Stolen Card Immediately Call the 24-hour toll free number 1.800.848.6090. Do not use your account after you report a lost or stolen card. If you have questions about your enrollment or ner 71e for benefits, please call the applicable toll free number below (Monday-r,.,.ay, 7:00 a.m. -10:00 p.m. Central Time): Cardholder Security Plan- 1.888.668.6938; Payment Protection Plan- 1.888.838.0056 Service for International Calling Dial the AT&T Direct access code for the country you are in and dial 1.888.8013723. For a list of access codes visit www.bankofamerica.com/contact and select Credit Cards. You may also call us collect at 1.757.677.4701. Service for hearing-Impaired (TTY/TDD) Contact our service for the hearing-impaired at 1.800.222.7365. Pay on-line at www.bankbfamerica.com or mail your payment to: BANK OF AMERICA, PO BOX 1758, NEWARK, N] 07101-1758 BILLING RIGHTS SUMMARY STATEMENT DISCLOSURE: In Case of Error or Billing,Inquiries If you think your bill is wrong, or if you need more information about a transaction on your bill, you must write to us (on a separate sheet) at AD Box 1390. Norio/k VA 13501-1390 as soon as poss/ble to preserve your rights. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. In your letter, give us the folbwing information: - Your name and account number - The dollar amount of the suspected error - Describe the error and explain, if you can, why you believe there is an error You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your questions, we cannot report you as delinquent or take any action to collect the amowrt you questiar. Special Rule for Credit Card Purchases If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in goad fafth to correct the problem with the merchant, you may not hive to pay the remaining amount due on the goods or services. You have this prbtedion only when the purchase price was more than X50 and the purchase was made in your home state or within 100 miles of your mailing address (if we own or operate the merchant, or if we mailed you the advertisement for the property or service, all purchases are covered regardless of the amount or location of purchase). I IMPORTANT CREDIT BUREAU REPORTING INFORMATION REQUIRED BY FEDERAL LAW TO BE DISCLOSED TO YOU WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. For address changes, you may access your account online at wvvw.bankofamerica.com. call 1.800.732.9194 or write your address changes below. If you choose to call the 800# provided, you must have your credit card present. Please include your account number to ensure accurate processing. Address City State Zip Home Phone Work Phone E-mail Address By providing us with your a-mall address, you agree that we may communicate with you by electronic mail. Prompt Crediting of Payments We will credit any payment as of the date we receive it as long as it is mailed wlth the enclosed payment coupon and received by us no later than 12:00 noon at either the P.O. Box on the front or the P.O. Box above. Crediting of all other paymeirtr may be delayed up to 5 days. All payments must be in the form of a check or money order drawn in U.S. dollars on a financial institution bcated In the U.S. or the U.S. Post Office or made by electronic funds transfers; however cash payments may be made in person at our banking centers only. ' g~ibit E Worldwide Asset Purchasing II, LLC PO BOX 50401 Henderson, NV 89016 Acct No: Unpaid Balance: ' Amount Enclosed: 4888936997547132 $22,572.69 --- Please Remit this Portion with Your Payment --- Bank of America, NA, USA Account Statement BARBARA K BEVIL 650 WALNUT BOTTOM RD SHIPPENSBURG PA 17257 Account# 4888936997547132 Oriainal Issuer: Bank of America, NA, USA Statement Date: 10/30/2006 Unpaid Balance: $22,572.69 Account In Default Payment Due Date: APR: 32.24% This statement was prepared by Worldwide Asset Purchasing II, LLC based on the furnished business records of Bank of,'America, NA, USA. ~~;sR ~g ~ ~~~ ~ ~~"~ ~~~~ ~~~~ ~~~ ~~~$~ g~ $ ~ ~ S ~ r ~~~ ~' ~~ ~~i,~ Q ~..~Q.~~~ ~ . . ~ ~.grrg~j1~~s fi~sg i ~C ~ B~ ~~ ~'g~ w ~ T~~~sa~ . ~ .• ..... " t'.R1rRQ . 't } ~~ ~~~FFFFF~+b ~!: ~ ~•Frs R s ~~~ ~~ a ~~~~ ~~~ ~ ~~ ~. egg ~~ Q ~~ ~~ :~ .~ K^ ~ ~~ Q : ~ f ~'T i 4. 1- ~~BC. S~ ,~i1~1 ~ 3 tis , ~. ~ ~ ~ ~ ~ ~ ~~ ~g n $$ Q c 4 c Q ~j~£g ~ a ~ s ~ q ~ s ii. o _ i p :M ~h ;y~~ ~3~ 103 ~ ~ f~.~ ~3 s~ ~ u nQi C ~K=~s2 a ~7 ~ r r~ Q ~ g ~ ~.S .°~ Q ~ gQ S ~~~~ ~ ~4~~ ~ a~g ~3 P ~O oro~3k ° ~ ~_ ~'s ~~ Tr~-4 ° 3, !1131 Q 3 .~~w~ ° ras'~ ~ Cf ~ s11 ~ ^ S _ ` •~p > > ~ C ~ ~ a. r ~1 } ~ 1~ y a7 _p w L~ ~ ~ s -$ < r=~~ ~ w ~pr~ s~~=. ~ iii ~ 3' o t~ s ;~ s ~ ~~ ~, ~~~ ~~ ~ ~ )t~ a~ ~~ a ~~ - ~ ~=~ ~Fg~ ¢>D%~Q3 ~,y2 J!$E eee wv ~ $ w ~~ ~ r w CC i6 ,I g t~ ~~~ $~~"L~~ ~ ~~ g ~ ~ g ~ ~ ~ ~ ~~ ~~~~~$ ~. ~a ~ m ~ ~ xG~' ~. ~ 3y~ ~ z • ~~ ~ mO gg t S a: :<<. ~ s ~ g ~ pp ~ s ~~ ~ ~~~a ~~~ ~~ ~s ~~~ s~~ ~ ..,. s ~ ~~ s~ ~~ ~~ ~~~ q .~~~~ $ a ~ ~ ~~ ~ S; ~. ~ ~ ~. 3 m ~~~ ~+ ~ ~~ ~ ~ ~ ~ . >~ ~~ ~~ ~~~ ti 3t ~ ~ (i Sig Z ~ 4 '$~' 3 ~ ~ '~~ ~~ Qa a ~~ ~ ~ =i ~i~ G 2 S ~~ ''L=ei=~ l C ~~ S Q~,+rpx~ ~ Q~~ ~~. _~~ s oU o~~ s a. . x sr ~ 2 ~'. gad ~'~ '~~' ~~~~ ~ ~. ~ ~ s • s ~` xw m ! ~ ~ ~s s ~ ~ ~ ~s ~ ~~ ~sy ~-~~~~~~ ~R~g ~~~ a # i ~ N~ ~~j QJ W ~a ri~~~+'~!J'~,g~ sib ~ ~ ~ +~~ ~ ~ s~~~ ~a 7 ` $~ ~~R~~~~S~~ ~ z~~x g a,+~~+ i C f X f~~ 2 5~ ~= 4~ 3= .~ C s ~ ~ ~-. ~' ~ ~ ~ ~~ ~ ~~ ~ ~~~s fig; $ .~.~ $~. ~' w ~ ~ ~g ~s Q2, « _ - ~ ~~~~~ ~s~~~. C t~ qq' S ~e• 3a a +° m5' ~a ~" ~ ~~~s~. ~, $xa g8s_ fig: ~g.,;,_ sg •__.~A~ ~ ~-~Q~o ~e~~.° `dSL4~s ~Lis7 ,,,.-.i+7~RSi2~ _=~C23 .''~ • ~- , i - . ,` ' _ .. ~, Exhibit F cont.' ' ~ ~ ~ ~ ... ~ ~ .. - .. ' .... - - ~ Bank of America - V(SA• OR ~+[ASTERCARZ?' ' CARDMEMBEA AGREEMENT ' - :~'_?;''...:, •, ~ , ADbt710NAL DISCLOSURE :', ;. iM bpowinQ ts,ms are kx you VCsa. MastnCarc~ y~y gala. Gdd MaslerCxd or Ptae&exrt Raserw~ Accaey ~•.~ . Exaept b r+e terms bebw, tl~e menu in re crdosed Cary~~y ' A9ra4mlre sppy. X mete Es a totdYCt !+e le+mt h ttis Adyiarny • Dbtloeue wit ci,nMOl. " ' YOUA.ACCOUNi ( . K yout @irdt d Manes Dsrsonai e~xa~t Is werQrawn i - and Yaa- Aet:ount k 4ynd for Qr~baR?~r~eetbi we ~ +~Y ear+sler I ' ~ lrora ycer Aecoura to corer ~e orar~praR Cs, rnWypyy of _, sta0}. as to'+Si es yo~x /4eeoura has suQteient eveitape aedit and you are nor it aefaua u~dv pxs et your ~°'~9 acwutt ' is autsiCa CaMor.'ia Orerdrah Praeeeicn:ney not 5e avagp~e. . F7l1AyiCE Ct1AR6E • . tAM+~nwm Fkunca Ctnrge: , SOa h arg tuWy cycYe in:w~ a =,rxxe Cl+ar:e szsed an a - . _ Partoc-c rsee kr Axcsases u paysae. • le Adranee fe+s: 'J~ ~fvar+caa and Apcawx Cyxacz - 3x (s9.rnixi~un,2 Ovardraf, PeogGiort-- 3X (S6 triNrsar-; ' Cash ~ - 3X (5s0 oenir:srni i • ' - tk>ssi Cash -• d% {SZt) e~rirtwrtq . PERlOOIC RA7ES ~ ~ quirts +-e oanpute the McKra! Yer~agege.Rab by steru+q i . wih an irler whicA ie the.Peime iha! ~ base rate cntorporate _. ~ bane . et serge ~. money ~ • oprrrxrol~ barks) duK ~s` ' • PubTiaerd in yAaWil Se~eet.+beered Ckbexl. YVe use d+e heex n ' _ - ~~ ~ dates to you rates h the,laMowFig ' .' ' - We ~ tletennine yotr Mdex as haYOwr . L~slt:rer,.`,e sa.y tn: ,,,~tppfl4 p f~M~i. trc~'°' ' i ~. Meru, ~'/• ev9ue! 5eareraber - ~u Oe:.oer.lb+ee+ber, Cr.Cernta r . 8C-507 PR s-9s ~ ~CaO ~+oa O 1999 9ariFt od ornerica , .-~.; ' ~ . •_'~: ; :sty ,'• - - ya,~,,,~ ..: •.. • . .., r r"r•'e~'-t^-;'c'+. ?~`?A ioy'~'"~d~P'~~-:~:ry~.it i~~-t.`;r~':.<y r. .{.; a<:~s; .~;_.. 3.. ..Y a ai ~ - ~~. _. ' f 4 , .~ ' ' ~ - ~ . ~ ' ~ ~~ Exhibit F cont. ~' ~~ ~; ~• N _ _ ice- s. w"_~~ :. - = -~ ~ K. --t~~.i ~::,. ~ :Y'aj - 1 ~ .. - - •- ~ -rtrn ;~r;• - ..l i. .. tl M+e Index k unevaiabie on the k+OSx OW desuibed above. we may at our optieon. use: (s~ M kidex on the rxxt availaoie day sfla the Index bats. a (b) the rottrence rate of Sank of America PITb$A TM Daly ParitxDc Rate k tlfe norrtirwt Arstual Parrenb4e Rafe tsvied by e+e r~tarnbar d days n ttr year r6rx+ded b Ins next Ngerse htsxted d+oussndMr d a percentapt poinT. Pranodorai bitaflaai Tste Anngal rere.nw4e R.ta ('APR'] of a4x (o.oiosex conssponrLrg ~ Partodie Rab) on ptwehases et(ecdve +~>SN+ trx a6gh bi-+p eyw k+~owtr+~ tt,s rnorrh your ACCastt was oQeneti Ti~ereWter, d» AP4 bebw wa apply b ptxt•.hesea. • The Atrrttnit Petcetpaya Rats (or ptx+eheaes. a rufabkt rate. sd~stabie quatwly, is i?ie WarSdeet.bwrt+d prime rats ('Index'} • plus 5.~4 percersape Ad-'+s~ 8ssed on O+s kxn+t>Zlt, O+e ccerant APeroNr{sye ttsle a t324%(0.036ZOSG corresporxlnq Oagy Gah 14drea:eer• . The Areltttet Perwnta4e Nab kr cash advances. a variable rota. sd~tabte gtaebrN k tM Crdex ptue tA.99 veKanalOe points. wen a allnitnue AtMtwl PeSanta4a Nate d.14.tt%. 9ased on thk; kxmuls, ttu clsretq An1aw1 le}rgedtge Male is t9.tix (D.oSaZSx eonesaa+~etp Otiy Panotie Aare}, 71+ ia1 dates described in this ACdalonal a:adsur. a< ail tunes one eubjsu to u+e Payrn+rr Psr>Sxmarx:e ~d~esert7ed b the Gtdmertrber Agroen+erx. Tire everent P.reenta4e Agile a 20Jax (C1.o~seax carrespondiriq Daly PeriaSc Rapli. GTNER t:tfARCiES late Ctw9a: 529 D+rertlntit Fee: 324 • Ae+sxned PayrltantFee: 525 Stop Payrnerltfe~ 315 +~. pM iDem Rasearrl+ Fee: S75 per 11DUf AiAlteb kdornngoM3harNq federal taw pamlita w b stwa wKN BaNc d A+e4rit:a atliraaa eanpartias ilrfowradar- about ya, a h~Eotrrration rseeivrd ~ koutalde so~ire4~t.. tt+cftrdnQ fdorrerelfrxrin Y~ Accurst >pA~ion C~+s~k +7: N you do not wish us r4 shat. areide klatr,afiort, you mint,srlt. b awl of AmeriG7. A_Q 8ox 27075. Taietrnor~ VA' 2326ta02S b ds sq and rude Pout name. sddresa. rexrtbe~ A,criotxs txsgbar(s} and ' 60di1 t!C{X$y ntrntlet. ~ ~ . f i f i yam{ V-:, .\ 2C~9 GAT 13 Pa-i ~~ CO ,, f f.. ~.~i ~Lt `. ~ ~ ,