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Home My WebLink About10-1552_N IN THE COURT OF COMMON PLEAS OF CUMBERLA # a COUNTY, R? PENNSYLVANIA !?-s cn C7 rte CACH. LLC. VS. NO: Ott). L JANET BRYANT NOTICE TO DEFEND You have been sued in Court. If you wish to defendant against the claims set fourth in the following pages, you must take action within (20) days after the 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 fourth 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 of any money claims or 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 THIS OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE PENNSYLVANIA LAWYER REFERAL SERVICE 4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013. S (717) 240-6200 #Qa .o0 1 ?.a, e0 a.l2i3 'RztL a3sso? Harrison Ross Byck, Esq., P.C. 229 Plaza Boulevard Suite 112 Morrisville, Pennsylvania 19067 1-888-275-6399/(215) 428-0666 Attorney for Plaintiff #61511 CACH, LLC. 4340 S. MONACO STREET DENVER, CO 80237 Plaintiff, VS. JANET BRYANT 212 EDENDERRY WAY ENOLA, PA 17025 COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: COMPLAINT To: JANET BRYANT 212 EDENDERRY WAY ENOLA, PA 17025 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 the court without further notice may enter a judgment against you for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose 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. LAWYER REFERRAL SERVICE PENNSYLVANIA LAWYER REFERAL SERVICE 4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013. (717) 240-6200 AVISO Le han dernandado a usted en is corte. Si usted quiere defenderse de estas demandas expuestas en las pagins siguientes. Usted tiene veinte (20) dias de plaza al partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia excrita o en persons o con abogado y entregar o sus objecciones a las demandas en contra de su persona. Se avisado que si usted no se defiende. La corta tomara medidas y puede continuar la demada en contra suya sin previo Avisa o notificion. Ademas la corte puede decidie a favor del demandante y requiere que usted compla con todas las provisions de esta demanda. Usted puede perder dinero o sus propiedas o otros derechos imporrantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO O SI NO TIENE EL DINERO SUMCIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSOAN O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. SERVICE DE REFERENCIA LEGAL PENNSYLVANIA LAWYER REFERAL SERVICE 4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013. (717) 240-6200 Plaintiff, CACH, LLC., by its attorney Harrison Ross Byck, by way of complaint against Defendant JANET BRYANT, avers the following: 1. Plaintiff, CACH, LLC., is a Colorado limited liability company doing business at 4340 S. Monaco Street, DENVER, CO 80237. 2. Defendant, JANET BRYANT, is an individual residing at 212 EDENDERRY WAY, ENOLA, PA 17025. 3. Defendant, JANET BRYANT, is indebted to GE MONEY BANK on an account stated by and between them in the amount of $1,677.47 which balance was due and unpaid as of March 11, 2008, for credit card account number 6020521401639933. <Exhibit A> 4. On or about April 1, 2008, GE MONEY BANK sold the debt for good and valuable consideration to plaintiff, CACH, LLC. <Exhibit B> 5. The Defendant, Janet Bryant, last tendered a payment on October 18, 2007. 6. A copy of the credit card agreement is attached hereto. <Exhibit C> 7. Plaintiff is entitled to charge-off account finance charges of $0.00. <Exhibit A> 8. Plaintiff is entitled to pre-litigation charge-off interest of $1.2864 per day from the default date 27.990% annual percentage rate x $1,677.47 / 365 days) or $1.2864 x 600 days = $771.82; which is accrued interest through the date of filing. <Exhibit A> Plus an award of late fees 0.00, court costs $192.00 and reasonable attorneys fees of $300.00 as stated in the Cardholder Agreement attached hereto as <Exhibit C>. 9. The defendant, being indebted to the plaintiff in the sum of $2,941.29 upon the account stated by and between them did promise to pay said sums upon demand. Demand has been made for payment of $2,941.29 and the defendant has failed to remit payment. WHEREFORE, plaintiff demands judgment against the defendant for $2,941.29 together with other interest and costs of suit. Date: February 27, 2010 EXHIBIT A Mswwnrs«6a.r1 -• -- --- - CAwsMIMirMaM pl96 et1a1810 sn lrek JANET WANT b0T910010y!!I7! 20 EDENDERRY VAkY MW P%-Wft sx GE MDHEY RAW E"OLA PA 17DR54414 p0 HOI pepper 11702 534141201 ORLANDO. FL 3259MI b1 13289600616281 00945610007400 009456100160361 000602052 1401639 93362 s twUow Mww.PMnMwvW*Jmnr I I ON Mw?.Nrw~%*E WANIN Mr1 ft0-wwr.AA. S d K MENSVVEAMEMS GE Money F& Qmmw Smft" A 6mw r 0101"NAM Ow PIP mu Dw an MinftM POymsIM This P., lad 367.00 Amwa PaI Ow $285.00 TOW mwmmSRP"MWO Dw $312.00 OwkQI A"w%" $000.81 Suppesm Psymm $915.61 DeP T108 PF A00 31 PAYMENT DUE BY 6 P.M. ON THB DUE DATE Wsm yw""AYawPNR? Im6 an 9Uet1s61$ 04m, sss 9PI9r6 gas. 9n or 99r 1+wsw+ssm is rpm low INO w or 9oaR PhrAmm YOb11100 $ I= • NOw Pditftftm 1 e0lM10R Trw%dam u •L CMdir, Fai 8 A*W nwMS 1n" iii 0. FINANCE CHARGE/ $31 ImmoG0on FMS 110Q Nwr 861Or1cs $I'm C"mm tj" Cw1g10MSn aMlDl Owr9padrq Pw160ie Hs. VewFIWNCl CHARGE AwwR09 ORq Pa1o1e AmIw1 P1111111L'E W"Cek~ PhIRRj91 PAk NOISR99909 CHARGO OrPw Rw0 -wdmN 1,7.332.00 0.0 W%1o 27.0%1 330.1E 1WNML PORMNYA" RAZE Ardmn 27.110% TWO Pw%Og F0M M CHARGE Salk IN ORDER TO PROTECT YOUR ACCOUNT PRIVACY, YVE ARE UNABLE TO PROVIDE ACCOUNT INFORMATION TO ANYONE OTHER THAN THE CAW4OI.0WS)CR AM WTNORILED PN1TY. IF YOU VW T4 PEN01IT US TO SPEAK TO ANY AUTHORIZED PARTY SUCH A$ A SPOUSE ABOUT YOUR ACCOUNT, PLM3E SEND MrTEN AUTHORIZATION TO THE GENERAL CORRESPONDENCE ADDRESS. Pews nanwnbw rN O LOY Porto m Fy W11 be bilad W70x 8=0x6 M your POP, alI Is nor r*CdM by ft POyswd OW Dan shorn on Ills srlsmwM. Tbo wow* Ow wry p oWeA W=o Paled ha ban I0n1a00. ANo twp Wnp V1MOTOR, 010 Raw7rd C?esll FM 1M gVIIN V"P%mffi is nm hwmed by your bad1771e VcOOM b 338. Y01M PERIODIC RATE AA10 ANNUAL PERCENTAGE RATE MAY VARY. IMMEDIATE PAYMENT ARRANGEMENTS MUST BE MADE TODAY ON YOUR ACCOUNT. CALL 1800.78 e"a • NOTICE: ON Mam Qr 8110 60o9i9R91 pSOa p"se wp.w , wwnre:e MR&OW47wr 60-6 9Nt Oro J 7 U 6NlU 9i Mai O! 1 9679 1400 949 0140393 \1fib mw 5721.14 wvrow wrw s1.537.w 5515.00 CW00": 00000.00 Peg m on' I I 251-065aMaus• PI.w IMT1h. ?.slau..r.w.rl t>ApIw1LY. now rams m 60mm chock as on d kit I" PW avows on both .1AW WWANT I507914016mil! 212 EOENDERRY WAY ENOLA PA 170WO-M14 daathlNnnw~ PCamET PO 801( 08 1 01702534141201 ORLANDO. FL 2UNAOBI 13289600616181 00283000001400 002850000152769 000602057 1401639 93362 Ib.r4hw 0000,bow/IwuNo.swwa.Y..9...ww9rlwl.Irasos 1r01[Y trwc r.wwrwlYpr S A K MENSWEAFUGEMe GE Money FOI Cwlmrt Sw1c91w r *** s SMIMINAt ow 011108000 Payment ow Oats 020VAN kirdwAa Paymara TM Period $54.00 AROM Past Ow $231,00 TW&IMin 1aa11PrpW*0ua $3$690 0miffiT AmOYtt $527.811 tAr pUW Por" d im-00 Data Thin Pedod 31 PAYMENT OVA •Y 4 PJA ON THE ON DATE VIr ant WwmM pw 1rIboM YI. r.t.sarcadd. aN ramp 0d0. .t9a 14064N4264 to rsw owwww or~- Pn.lmia 8+A9ha $1.464.110 Now Pllt{ **m I MOM Two n $0.00 PaTm9nts 5000 •I- CndN. Fe" AAcomilNMAf (M) 53900 •H FINANCE CHARGE/ $409 TttIF wkaPN9$1411 ¦ Now Bolsm $1.52769 c-mm um¢ $1.0m o0 Available Cndt 50.00 IM DM Post Oft Ra1aw11ca*,Wm 08,00m Amore 0110100N OIA1YA09 LATE FEE 53900 alffir N dwillmN -FINMCEcim"A. qua CmMMO on Delp (Di Cawa.rMa pfid0 14o Ywr FINANOI CNAW Arrq. 0* hd.ac ArMa.l AUINCO YW5 comod PMOIw Root P.rO11aaM CIMaOE Dow" ado r.rlaaw. 11,41954 U7394% IM 111.NN WIN, AMNW1.9A11CIWTAWRAT! 4hodoM 19NOM T9ulFarlaOtcFYIAtIC[GIAlt11! 535.00 W ORDER TO PROTECT YOURAC00UNT PRIVACY. WE ARE UNABLE TO PROVIDE ACCOUNT INFORMATION TO ANYONE OTHER'I WA THE CAR0110LDERM OR AN AUTHORITED PARTY, IF YOU WIM1 TO PERMR US TO SPEAK TO ANY AUTHORI2E0 PARTY SUCH AS A SPOUSE ABOUT YOUR ACCOUNT, PLEASE SEND WRITTEN AUTHORIZATION TO THE GENERAL CORRESPONDENCE AODRESS. YOUR PERIODIC RATE AND ANNUAL PERCENTAGE RATE MAY VARY. YOUR ACCOUNT t8 SERIOUSLY PAST OUE. R IS CRITICAL THAT YOU CONTACT US TODAY AT 141(11)4 .5188 NOTICE: 9«rhar..a...n1.a.0i..r..s..p..t0 a. tw«wMrn¦.r.wwway r..¦wrr 0Ha an 1 7 10 vino 119AN 1 K 1 0670 1401. 090 DIWIl.1 at:.a w5.a 00/1ar501f 1665.51 5t,ip.at SMT.a Fill In AMMI $ 0000 0.00 pop¦o w Indmb¦ nta pooldw plom p¦m A mad as araaet n+aanY. Jaaw AM¦s¦ w ¦wafy 0 ntam.a.tw.atrMwla iAra cm¦gam • Mq JANET BRYANR !Sa»aotia»u! 217 EoENDENRY Wklt ENOLA PA 170"14 Mm Pgnamw h. GE MONEY BptK PO BOa aBptl 1270253414220! ORLANDO FL32054M 13289600616181 00945610007400 009456100160361 000602052 1491639 93362 h W"g www./al MrwSwaltRtwm r r¦yr a«ws¦wwrwa¦dwalwaav wR 4arrrrrillii i¦ s a K MENSWEAR/GEE GE Money Fit Cummm SlwNaaNim ra a" at AaoNU11Ww" 102 EMAI0163115 sm"Wa Dato 021,164001 Payment No Date 0X01110005 MWVR l PSYtlwa TIm P¦tied :67.011 AIRNM Pal OW 5766.00 TMd Mirmrw m P"ffm* Dui SM.00 O»dbW Amoud 1f00.b1 SUNWWPfYnaat $946.61 Dye This PwW 71 PAYh1551T ONE BY a ?JYL ON THE DUE DATE ft "W asnv¦t yo¦t la?msnt kto ¦n marrosk Aiat. 4" favom 1W. mtR was l•ttt•SN•ilt4lewpMlywreweboor~. Pf&Ama Batwta St,527.66 + Nw Aawhsa l Balwla Traahra $0.00 p"aw" 50J75 •/. Credits. Few & Aquam wda (ray 55400 •l. FBMINCECMARNI Sm.52 TMftoKwn FNS "4 ¦ Now Worm $1,000.61 Gaon urol $1.000.00 Aw6mq O"I 100D IN ORDSR TO PROTECT YOUR ACCOUNT PRIVACY, VA ARE UNABLE TO PROVIDE ACCOUNT WORMATION TO JWYO* OTHER TW11N THE CAM40LOERIS) OR AN AUTHMIZED PARTY. IFYOU 1NISH TO PERIMT US TO SPEAK TOANY AUTHORIZED PARTY SUCH AS A SPOUSE ABOUT YOUR ACCOUNT, PLEASE SEND 1A411PTEN AUTHORIZATION TO THE GENERAL CORRESPONDENCE ADDRESS. Pk m rmum 6w fat m Wo Pymwil Foowit 4 b11md to yaw samuf t d your pwpnw 1? nst tsaalwmd oy tlw payriard Duo Dam ahiwn as to ttNfaloll ThSI almaRt f1M anT Ptavlailm van Pfrtaf tYr1 Dmwi rflroiad Abi ognig IRMaIt1l, a» Ra4wnid Chock Fee to SFFtii 04M pamp wr is not hwtwadbT Your bw* SATI RlVpsi to 1174. YOUR PERIODIC RATE AND ANNUAL PERCENTAGE RATE MAY VARY, l IMWATE PAYMENT ARRAMINMENTS MUST BE MADE T00AV ON YnLW ACYYNJVT. CALL1 MM •'^° "MI •NOTICE a¦¦arara¦.la asd¦alaarW Pais Rat4l?tryMrn aYrnrYA ¦ar¦¦a¦¦6 law am¦aM 4041 yrr¦ 1 7 is 449310 ¦RIA¦S 1 W 2 iala 14" AK" 91¦J5393 AWWALNImbff T 00 3gA0 o6Atatot $6 as $107.47 SI FCC $ Q? 00000 . hrmet4sziJeNi00Pic?ue.PY?ep?bl?Ow?IwdP110AgTLY. HestdRtltwe?ilT C7sd rr boa s AR d oebttrtryralm* JANET SATAN 70T61401439P1Jt 213BDONDeRAY WAY lt dh)wmnw OEMWWLWK @40LAMITOT}Ltd PO ECK 9000 H '1703l14N qa . QNMM T•L3109i00f$ . ?3astoB6ls3r 01078470007400 D10784700167747 000602052 1401639 93362 hrttMw.r?.nr.P1tPR111wrtw 4RfittlldaltN.erfw,teywRCOrtt.OittONEYBANK Pkarwt$sibrtRRt I 8 Z K MENGWE.AWEM8 GE Money hr atttatestewa ,m w Art. ¦ e..e.e Atswa Ntm1w - - - 6000 51140116 P0M3 suemm Dm 03(10400$ h7m %D>.bw 04M4l1401 Mk&nm PsytMll Tbir laud 059.00 AN-1 Put Me $34200 Tow Mutb- Pgmm Due s401 00 Owrll-k Aaatt $677.41 sytrr" ft)M4, $1.071.47 Dtyt 7tit Paw 39 PAYMLW DUS BY s P.M. M THE Due DATE . we d19 almttr yw7Vw° su 4.IU.ttl.dtML S. mtatt tltt. rnlL• 1• td6.3q$4W .a ppm you err rM a tars lr Ar" R.Ima 11A03.61 ? Now Pmehttu I EtUme TfW(W $0.00 Pelmem $0.00 x. Cmdh,!hat A Adlus=mu (m) 13100 11- FONANCECHARGE 1 134.16 Trt.ttai.. 1Ltt ( mg) Ncw t&L- $1,67747 Cmd1Lia sl,woo Ave"Is Qrodir S0r04 T. Dm hu D k fltterm ft-f- Dm*th- A1twn 0 LATSFEE 339 WON" 00!10x3001 ?FINAMCECHARGE• Sad. 'Ron I Ctgtd rl Ddy(D) Gm"Pal at Pwrie 1t-Y..MAP1CSCHAAGB A' -9 Ddr P.s.dr AMta1 PatANCE Wu Card Rrdpd Rxw htturte CHARGE Dal r Arc Prtcstxs s1613.i7 G.WM4(D 10.99~ S3t16 ANNUALlRRC&NI'AOEM rrm 369!07 7kulPrald A$tC'Et " $34.tt IN OISM TOPROTSCT YOUR ACCOUNT PRIVACY. WR AAE VNMMBTO PAOVIDE ACCOUM DNPOWATMTO ANYOKAOTNLR THAN4HEGRDHOUMNs) OR NI AUINORUD PANTY. IPY0U W`UK TO P2kMlr UST0%PMK M ANY AUTHORGM PARTY SUCH AS A SPOUSE ABOUT YOUR ACCOUNE PLEASE SEND WRITTEN AUTHORMATIOM TO THE GENERAL CORAFSP %DSKCA ADDRB$f. PrtletemxaYer fxi a Lat Pty0Yt1 Pte r011e MOM a yw ttdwlr rye Ptpstl r netrtatitM by 0e hym m Dw Dr Ww7s 0it tet4texi Na e- paw wal bt dtrM. ArerpttsttO laMxts7, tlr Relwmr eMde Pr lu tggw if.m P11t1M r m b." by MW sear wJ mwc to 130. PLIIASENOMINCLOWtSTREPRTVACYPOLIC1f. PIXASOTAIO$ AMOMIUMTORWMrr TRWKWTHIS WITH OTHER P44ANCIAM DOCUMEM75. IF YOU HAVE PROVIOUSI.Y OP'TET LOUT FOR THE PRIYACV ?OUCY. YOU DO WTNEADTO1)OSOAGAW. Y06! PBTUODIC RATE AND ANNUAL POR NTAOE RATTi MAY VARY. •00M1'ICg S-mwm$witadem1wmdlt?tCd'nP)irrr?.t.rrrsrrswtertlei3??00°d . km .010 t P Id .10710 zvt t •e 1 7011 INS moo Glammi s Srlde:OO fRRB 10 OWlg001 i0 s0A0 In Amomill PC 1 I^f a ? ?? ?a a ..W . l? Pop dm W"m Om Pml doa PlMe Iry Pao ds rurmk PRO]RI1.Y, 11w rbwsae-W1 China do Yak m 2M ud Nit dmpk -0 had IANBC BRVAMP '3OTOtd01[)P933. 212 XBOM MY WAY N.0 Fw-- 46 MONEY BAN" 02LHRA M 17 39911 PO 101(" M n7023M 11127 oR1aNDO,IP$.ssuseal . 721lty0ot61 ? 00000000007400 000000000000000 000602052 1601639 93362 Payw11rr9ww.OeenlYrer-M.-s M=dMe#awwwwohyOrebmkIDGEMOMRAML 19ewwDlm-rDhcDDR. S a K MEMSWEAPJGEMS GE Money .ee LwY x2w-mk weway¦www.R A.aa99 N{mkw d02o321a O10 033 summem Woe OLI 02000 PsyrO D-e ore 04 sam Tog MkdrMa Pay 0 Due i1000 D40 7Di Period I 1'AYMVlr DUE BY3 t.M. (Y TMR OUR DATB . 1Ye mw ewmm YOU arsrmd ka M chatmo 0 am. otea4l-Rd639bi7-S/ rt9pmlyrkreMilDMVemha Pwrb-k DAM" 51.6".47 + Now luee.wa I BHra Trmakm $0.00 . p roo-b $0.00 M- C,adi..Fees AAdju{rrm.001) $1,077.47- 4. P24AMCP CRAlGC I moo T-sire F."( M) + Nor Bd.-ee $0.00 Chit Link SI 000.00 AwA.bM C." SOHO IN 0U!IM 70 PROI SCI YOM ACCOUNT PRIVACY, WB ABB UMAMTO PROVIDE ACCOUNT 8'OOIIMAT$ON 70 AMYOPr W"MTllApIMCAMOHOle/BManAMAWWORMDPAR7'Y.WYOUMI{t TOP4MRFU$T*3FRAIC ?CANYAunwx l/PARTYf11C4tASAWOMRAOMMYDUBACCMW-WF? SM WMMM M W ORIPAT82N TO T11E MMMA•CORRESPCMBNCB ADORBSS. P9.m. ma.ndkr dat • lam P9ymkt Pw -?M kRl.d m y-v .os.r Yya Pryser i. d woelyd tiP the Pkr? D.w Ckr.ht.k ao fi ol_kl PN pre Nekd w91D. +brcd. AM MUtaos o Mmea d!e RJmr2kd C'hek Pm dr gPOn it ay PgmMR k is howd try ymr Pink we itaerk u 130• YOUR 1S UDDICRATEANDANNUALP£RCENTAOFRATEMAYVARY. n3f€? •M*nCtO RwuwPMdYiikYRYatIPNu1rA0PwrMMrshP?i+MweR77wMaMr 9702 •am .. { k 11 "MI arl2rak-t sm Yank mcgo eda7kma .. ?. .?i w.. anMr?F• .yp?.• •.P J.. rN ••t41 wwH . ?{•. EXHIBIT B CERTIFICATE OF PURCHASE I, PFIER HI ER , hereby depose and state that: I am an Authorized Agent of CACH, LLC, a Colorado Limited Liability Company. As such, I am authorized to give this Certificate, and possess sufficient personal knowledge to do so regarding: Customer Name: Original Creditor: Account Number: BRYANT, JANET GE MONEY BANK 6020521401639933 On or about April 1. 2008 this account was sold by the original creditor. CACH, LLC is the current owner of the account and purchased the account for good and valuable consideration. Date: FEB 11 2010 By. J I/ Sworn and subscribed to before me this day of F'EB 11 2019, 2010. Notary Public 011 t; r C) 0 PIv Commission Expire's 0319/20' 'el (PA-NJ SWEEP Jan 2010) EXHIBIT C Terms and Conditions Page 1 of 9 THE KEY CREDIT TERMS OF THE GE MONEY CREDIT CARD AGREEMENT ARE AS FOLLOWS: Ci?'1Clrl5': •.•.iRYXSC'r-L9.!dU. iA/e ?T.Jp.'9R .K ?w'??NYYYiM1CF ?.JS.M1 .... ...se.Y..^-....?1MSi Annual Percentage Rate (APR) for Purchases and Cash Advances 24.99% Delinquency Rate APR* 29.99% Grace Period for Repayment of the Balance for Purchases 23 days if no previous balance and full payment is made; otherwise none. Method of Computing the Balance for Purchases One Cycle Average Daily Balance (Including New Purchases) wx Minimum Finance Charge $2.00 CT..SF"-.'15??_^'•tiaw-._.?L.:.-.9if.MVn_:?LiG?6M1]IUC?Z??p•`•••?•-?'--•••Tw.ti.x M.J1a.?i6M FUw.uu? ,T13?•n"?•.r.......L-? Late Payment Fee: $29.99 if the Balance is $249.99 or less and $39.99 if the Balance is $250.00 or more. (Balance is Account balance on date fee is applied.) -,....,,,?.?.-.•..,.rrrw.._,.?.?..?,. Over Limit Fee: $38.99 Returned Check Fee: $39.99 urOt-....;_..;.r::..??:::s':`.t__•?s::.txk.?I.+'4':'?'Y.W_.f_...:_.vCXaL•1t.0.2N....._.?_?a_efti..-:....:. u'aY•?:.??_?-vw.?' ???:x!.?.. ...iv?::.....Y3:] Transaction Fee for Cash Advances: 4% of the amount of each cash advance, but not less than $5. Transaction Fee for Balance Transfers: 4% of the amount of each balance transfer, but not less than $5. * If you do not make your required Minimum Payment by the Payment Due Date, you make a payment that is not honored by your bank or you exceed your credit limit, the Delinquency Rate, or at our discretion a lower rate (rather than the Standard Rate), may apply to all existing balances on your Account and all new transactions beginning with the first day of the billing period in which your missed or returned payment was due or in which you exceeded your credit limit. The information about the costs of the Account described herein is accurate as of July 1, 2009. This information may have changed after that date. To find out what may have changed, write us at GEMB, P.O. Box 981439, El Paso, TX 79998-1439. We may, at any time and for any reason, change, add or delete provisions of the governing credit card agreement, including increasing rates or fees. These changes may affect existing balances as well as future transactions. We will send you notice of any change as required by applicable law. Consent to Electronic Communications 1. Categories of Communications. You understand and agree that GE Money Bank, the issuer of the GE Money Bank C' GE Money") Credit Card, our assignees, or other holders of your GE Money Credit Card account https://www.geonlineapply.com/servlet/MCSGenericApp 11/18/2009 Terms and Conditions Page 2 of 9 ("we" or "us") may provide to you by electronic means the following categories of information with respect to applying for and obtaining a GE Money Credit Card account CAccount"), which may include disclosures required by applicable federal or state law (collectively, "Communications"): • The GE Money Credit Card Agreement ("Agreement"), including, without limitation, any Truth in Lending Act disclosures; • Other federal and state law disclosures, notices and communications in connection with the application for an Account or opening an Account; and • Our Privacy Policy for the GE Money Credit Card Program. 2. Manner of Consent. You acknowledge that by agreeing to the Consent to Electronic Communications through this website, you demonstrate that you can access information that we would provide to you by posting electronic Communications on our website. 3. How to Withdraw Consent. You may withdraw your consent to receive electronic Communications by not submitting your online application. However, you may not apply online unless you consent to receive electronic Communications. 4. Hardware and Software Requirements. In order to access and retain Communications, you must have: • An Internet Browser which supports HTML 4.0 and SSL-encryption, such as Netscape 4.0 or later and Microsoft Internet Explorer 4.0 or later. • A means to print or store notices and information through your browser software. • A personal computer or equivalent device capable of connecting to the Internet via dial-up, DSL, Cable Modem, Wireless Access Protocol, or equivalent, and that supports the foregoing requirements. 5. Paper Copies of Communications. Upon your request, we will send you a paper copy of the Agreement, our Privacy Policy for the GE Money Credit Card Program and/or other material provided pursuant to the Consent to Electronic Communication. If you would like a paper copy of any of this material please write to us at GE Card Services, Application Processing, OH3-4250, P.O. Box 8817, Dayton, OH 45482-9940 or call us at 1-877-794-8400. There will be no charge for a paper copy of this material. 6. Communications in Writing. All Communications in either electronic or paper format from us to you will be considered "in writing." You should print or download a copy of this Consent to Electronic Communication, the Agreement, our Privacy Policy for the GE Money Credit Card Program, your application and any other Communication that is important to you for your records. 7. Electronic Signatures. You acknowledge that by clicking on the "I Agree" or similar button at the GE Money Credit Card application, you are indicating your intent to sign the relevant document or record and that this shall constitute your signature. 8. Federal Law. You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means. https://www.geonlineapply.com/servlet/MCSGonericApp 11/18/2009 Terms and Conditions INITIAL DISCLOSURE STATEMENT Page 3 of 9 The following is an initial disclosure statement. If you are approved for a GE Money credit card, a complete credit card agreement ("Agreement') governing your GE Money credit card account ("Account') will be sent to you along with your credit card. The GE Money credit card is issued by GE Money Bank ("Bank"), In this disclosure statement, 'we", "us", and "our" means the Bank; "you" and "your" means all persons who we approve to use the Account; and "Card" means your GE Money credit card. You may use your Account (i) to purchase goods and services ("Purchases"), (ii) to obtain cash advances ("Cash Advances") by writing convenience checks ("Convenience Checks") we may provide to you from time to time or by other means we may make available, or (iii) to transfer balances from other credit card accounts to this Account ("Balance Transfers") by means (including balance transfer checks) we may make available from time to time, in each case up to any credit limit we may establish for your Account ("Credit Limit'). Except as otherwise provided in this Agreement or in any applicable offer, Balance Transfers will be treated as Purchases. You may not initiate Balance Transfers to this Account from other accounts with us or any of our affiliates. We may limit your Cash Advances to a portion of your Credit Limit (your "Cash Limit') and if we do so, you agree not to take Cash Advances in excess of your Cash Limit. We may decline to authorize any Purchase, Balance Transfer or Cash Advance or change your Credit Limit at any time. You may use your Account only for personal, family or household purposes. PERIODIC FINANCE CHARGES. A. We calculate the periodic Finance Charge separately for Purchases and Cash Advances. The Annual Percentage Rate may sometimes be referred to as "APR". For each billing period in which a periodic Finance Charge is imposed, the amount of the Finance Charge is the total of the amount of the periodic Finance Charge calculated during that billing period. The periodic Finance Charge for each billing period is calculated by applying the applicable daily periodic rate ("Periodic Rate") in effect during that billing period to the balance subject to periodic Finance Charges for each day in the billing period, and adding together all of those daily Finance Charge amounts. A minimum FINANCE CHARGE of up to $2.00 will be imposed for each billing period in which your Account is subject to a Finance Charge. B. The periodic Finance Charges will be determined separately for charges incurred under any Special Payment Plan in accordance with the terms established for such Special Payment Plan. You understand and acknowledge that this Account provides for the daily compounding of periodic Finance Charges. PERIODIC RATES A. The Periodic Rate for your Purchase Balance is the Purchase Standard Rate, unless the Delinquency Rate applies as described below. The Purchase Standard Rate for a billing period is a rate of .06846% (APR 24.99X). B. The Periodic Rate for your Cash Advance Balance is the Cash Standard Rate, unless the Delinquency Rate applies as described below. The Cash Standard Rate for a billing period is a rate of .06846% (APR 24.99%). C. The Periodic Rates and corresponding APRs for all Account balances (including any promotional rates) may be increased if you fail to make a required Minimum Payment by the Payment Due Date, you make a payment to us that is not honored by your bank or you exceed your Credit Limit. If we increase your Periodic Rates, the new Periodic Rates will be equal to the Delinquency Rate, or at our discretion a lower rate. Our decision may be based on factors such as the timing or seriousness of any default, your payment and purchase history and other performance on this Account. The increased Periodic Rates will apply to your existing balances and future transactions and will take effect as of the first day of the billing period in which your missed or returned payment was due or in which you exceeded your Credit Limit. We also may change rates or other terms as provided in the https://www.geonlineapply.com/servlet/MCSGenericApp 11/18/2009 Terms and Conditions Page 4 of 9 Termination/Change In Terms Section of this Agreement. The Delinquency Rate is a rate of .08216% (APR 29.99%). BALANCE SUBJECT TO PERIODIC FINANCE CHARGES. The balance subject to a periodic Finance Charge is calculated seperatly for Purchases and Cash Advances. A. The Purchase Balance subject to a periodic Finance Charge is the Purchase Daily Balance of the Account. To determine the Purchase Daily Balance, we take the prior day's Purchase Balance of your Account, which includes unpaid periodic Finance Charges on your Purchase Balance and add any new Purchases, including any Balance Transfers that are treated as Purchases, and other debits charged to your Account that day, and subtract any payments and other credits applied to your Purchase Balance that day. Each day we also add any periodic Finance Charges on your Purchase Balance and other Finance Charges and fees (other than Transaction Fees for Cash Advances), including any debt cancellation fees, assessed that day on your Account. This gives us the Purchase Daily Balance of the Account. Any Purchase Daily Balance of less than zero will be treated as zero. B. The Cash Advance Balance subject to a periodic Finance Charge is the Cash Advance Daily Balance of the Account. To determine the Cash Advance Daily Balance, we take the prior day's Cash Advance Balance of your Account, which includes any unpaid periodic Finance Charges on your Cash Advance Balance, and add any new Cash Advances, including any Balance Transfers that are treated as Cash Advances, Transaction Fees for Cash Advances and periodic Finance Charges on your Cash Advance Balance for that day and subtract payments and other credits applied to your Cash Advance Balance that day. This gives us the Cash Advance Daily Balance of the Account. Any Cash Advance Daily Balance of less than zero will be treated as zero. WHEN PERIODIC FINANCE CHARGES BEGIN TO ACCRUE. Purchases and Cash Advances begin to accrue periodic Finance Charges from the date of the transaction (or, at our option, from the date they are posted to your Account) and continue to accrue Finance Charges until the charge is paid in full. However, you can avoid periodic Finance Charges on new Purchases if for each billing period you pay your New Balance, including any Cash Advance Balance and any balance of Purchases made under any Special Payment Plan, in full on or before the Payment Due Date for such billing period. There is no period within which you can avoid periodic Finance Charges on Cash Advances or Transaction Fees for Cash Advances. PAYMENTS. You must pay at least the Minimum Payment on your Statement by the Payment Due Date shown on the Statement. You may pay more than the Minimum Payment at any time. If you have a balance subject to Finance Charges, earlier payment may reduce the amount of Finance Charges you will pay. Any time the APR applicable to your Account is 25.0% or less, your Minimum Payment initially will be (i) the greater of $15.00 or 3.1% of your New Balance (excluding any balance attributable to any Special Payment Plan that involves delayed or special payments), rounded to the next highest dollar, plus (ii) any past due amounts, plus (iii) any payment due under any Special Payment Plan. Any time the APR applicable to your Account is greater than 25.0%, your Minimum Payment initially will be (i) the greater of $15.00 or 3.5% of your New Balance (excluding any balance attributable to any Special Payment Plan that involves delayed or special payments) rounded to the next highest dollar, plus (11) any past due amounts, plus (iii) any payment due under any Special Payment Plan. However, if during any four month period immediately following a billing period in which a Late Payment and/or Over Limit Fee is assessed, you pay at least the Minimum Payment each month but the total of your payments does not at least equal the sum of the Finance Charges billed on your Statement each month, plus 1 % of your New Balance each month, plus the particular Late Payment and/or Over Limit Fee that was assessed in the billing period before the four month period, your Minimum Payment will be changed for future months to the greater of the Minimum Payment calculation stated above, or the sum of 1% of your New Balance plus Finance Charges, Late Payment Fees and Over Limit Fees billed on your Statement. In each case, your Minimum Payment also will include any past due amounts and any payment due under any Special Payment Plan. The Minimum Payment will be the New Balance if the New Balance is less than $15.00. https://www.geonlineapply.com/servlet/MCSGenericApp 11/18/2009 Terms and Conditions Page 5 of 9 You agree that, if allowed, any payments on your Account delivered to a retailer store are handled by such retailer as a convenience for you and are not received or accepted by us until physically delivered to us. We reserve the right to select the method by which payments and credits are allocated to your Account in our sole discretion. The payment allocation method that we use may result in higher Finance Charges on your Account, depending on the types of transactions you make (such as promotional or non-promotional Purchases), and the timing and amount of your payments. For example, on promotions requiring a Minimum Payment, payments over the minimum will usually be applied to those promotional balances before non-promotional and other balances. If you have a non-promotional balance, this may reduce the benefit from the promotion. If you want to change this allocation, please call customer service. FEES. You agree to pay the following fees. A. A Late Payment Fee, if we have not received your Minimum Payment by the Payment Due Date shown on your Statement. The amount of the Late Payment Fee will be based on your Account balance on the date the Late Payment Fee is applied to your Account. The Late Payment Fee will be $29.99 for a balance of $249.99 or less; and $39.99 for a balance of $250.00 or more. B. A Returned Check Fee of $39.99 if any check or other instrument sent to us, or any electronic payment authorization you provide us in payment on your Account, is not honored upon first presentment, even if the check, instrument or electronic authorization is later honored. C. An Over Limit Fee of $39.99 for each billing period in which your New Balance as shown on your Statement exceeds your Credit Limit We may assess an Over Limit Fee even if we authorize the transactions on your Account that caused you to exceed your Credit Limit or if you exceed your Credit Limit as a result of unpaid Finance Charges, the billing of deferred accrued Finance Charges or other fees. D. A Transaction Fee for each Cash Advance that posts to your Account, including any Balance Transfer treated as a Cash Advance. This fee will be a FINANCE CHARGE equal to 4% of the amount of the Cash Advance, with a minimum of $5. E. A Returned Loan Check Fee of $39.99 in the event any Convenience Check on your Account is not honored by us because (1) the portion of your Credit Limit available for Convenience Checks is insufficient to cover the amount of the Convenience Check, (ii) you have filed a petition in bankruptcy, (iii) the Convenience Check has expired, or (iv) your Account has been closed. F. A Stop Payment Fee of $39.99 if we stop payment on any Convenience Check at your request. G. A Transaction Fee for each Balance Transfer treated as a Purchase that posts to your Account. This fee will be a FINANCE CHARGE equal to 4% of the amount of the Balance Transfer, with a minimum of $5. SECURITY INTEREST. You grant us a purchase money security interest in each item of merchandise purchased on your Account to secure its unpaid purchase price until such merchandise is paid in full. Solely for the purpose of determining the extent of our purchase money security interest in each such item of merchandise, your payments will be allocated first to Finance Charges on the Account, and then to pay off each Purchase on the Account in the order in which the Purchase was made (if more than one item was purchased on the same day, your payments will be allocated to pay off the lowest priced item first). If you made a Purchase pursuant to a credit promotion, the balance with respect to the promotional Purchase may be shown on Statements during the promotional period and may reflect a https://www.geonlineapply.com/servlet/MCSGenericApp 11/18/2009 Terms and Conditions Page 6 of 9 different payment allocation method. In no event will we assert a security interest in the promotional Purchase for an amount greater than the lowest balance shown on a Statement for that promotional Purchase. We agree that no security interest is or will be retained or acquired under this Agreement in any real property, which is used or is expected to be used as your dwelling. Should we feel it is necessary, you authorize us to sign and file financing statements regarding any Vehicle purchased. If the item of merchandise purchased is a Vehicle (including the vehicle, parts and accessories) and if you default under this Agreement we may, as permitted by applicable law, repossess the Vehicle and any personal property of yours in or attached to the Vehicle that is not subject to our security interest may be held by us without liability. Unless you make written demand on us for the return of such personal property within 10 days (or any longer period required by applicable law) of repossession, you will lose any right to reclaim it from us, except as applicable law otherwise provides. After we repossess the Vehicle, it may be sold at public or private sale, as provided for by applicable law, and the proceeds received from the sale will be applied to your balance after deducting expenses allowed by law. We will pay you any surplus resulting from a resale of the repossessed Vehicle, and you will pay us any deficiency when and as permitted by applicable law. For some individual Purchases under your Account, we may require you to maintain property/casualty insurance on the Purchase as a condition of granting you credit. You will be informed of any property/casualty insurance requirement at the time you make the Purchase. CHANGE IN TERMS. We may, at any time and subject to applicable law, change, add or delete provisions of the Agreement ('Terms Change°) or terminate your Account. Unless prohibited by applicable law, we may apply any Terms Change to any outstanding or future balances of your Account. ARBITRATION. The Agreement contains an arbitration provision that may substantially limit your rights in the event of a dispute, including your right to litigate in court or have a jury trial, discovery and appeal rights, and the right to participate as a representative or member of a class action. You have a right to reject the arbitration provision, by following the instructions in the arbitration provision. If you reject arbitration, it will have no effect on any other terms of the Agreement. Notice: The following is important information regarding your right to dispute billing errors. YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us in Case of Errors or Questions About Your Bill. If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the address shown on your Statement under billing inquiries. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. 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. If you need more information, describe the item you are not sure about. Your Rights and Our Responsibilities After We Receive Your Written Notice https://www.geonlineapply.com/servIeVMCSGenericApp 11/18/2009 Terms and Conditions Page 7 of 9 We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct. Special Rule for Credit Card Purchases If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. These limitations do not apply If we own or operate the merchant, or if we mailed you the advertisement for the property or services. PRIVACY POLICY This Privacy Policy describes our information collection and sharing practices. Please read it carefully and retain with your records for this Account. The Policy applies only to current and former customers and applicants in their relationships with us relating to this consumer credit card Account of GE Money Bank (GEMS, `we", "us" or "our"). Information We Collect -We collect personally identifiable information about you, (such as your address, phone number, social security number, mother's maiden name, and transaction information about items purchased, payments and payment method), for identification, account management, servicing and marketing purposes. We obtain information about you directly from you (such as on application forms), through your use of our products and services, and in some cases, from third parties (such as credit bureaus and demographic firms). Occasionally, we may also collect information about you online using "cookies" (small pieces of data stored by your Internet browser on your computer) or other technology that may be used to remember passwords for you, to track your website usage with us, and to provide you with customized content, among other things. https://www.geonlineapply.com/servlet/MCSGenericApp 11/18/2009 Terms and Conditions Information We Share with Others -We may use and share all of the information we collect, subject to applicable law, with the following (these examples are not intended to be all-inclusive): Page 8 of 9 The Retailer/Merchant/Dealsr associated with this credit program and its affiliates and program sponsors (as applicable), for use in connection with this consumer credit program and as otherwise permitted by law. They may use this information to update their records, to provide you with notices of special promotions and other tailored offerings, to answer questions about this Account and perform other credit program functions or for other purposes permitted by law. They may use their affiliates, licensees, sponsors or third-party service providers (such as modeling and database companies) to assist them in any of these activities. Service Providers and program sponsors, (including our affiliates) to assist us in servicing Accounts, like preparing billing statements and promotional materials, and responding to customer inquiries. We also may use marketing firms, such as modeling companies, to assist us in our own marketing efforts. Financial Institutions with whom we jointly offer financial products, such as loan products or credit insurance. If your billing address is in Vermont, this information will be limited to your name and contact information, and transaction and experience information on this Account. GEMB's affiliates, who are other companies in the General Electric Company corporate family ("GEMB affiliates") for servicing or marketing purposes, subject to your right to opt out of sharing of credit eligibility information, such as certain information from credit bureaus and your application, as provided in the H's Your Choice section below. Subject to your right to opt out, GEMB Affiliates also may use information from us concerning your credit eligibility, and your transactions and experience with us, to send you marketing solicitations about products and services. Third Parties, who are interested in offering special products or services to you, subject to your right to opt out as provided in the H's Your Choice section. For example, we disclose information, either directly or through the Retailer/Merchant/Dealer and its affiliates and program sponsors (as applicable) to financial services providers offering products such as insurance, mortgages or loans, and non-financial companies offering consumer products and services. We may disclose name, address and telephone numbers, as well as Account purchase and performance history. Others:We report Account information, such as credit limit, balances and payment information, to credit bureaus. In addition, we may buy and sell assets, lines of business and/or Accounts. When this occurs, customer information generally is disclosed to bidders and is one of the transferred business assets. We also disclose infomnation about you to third parties in certain other circumstances, as permitted by law. It's Your Choice -You have the right to opt out of certain uses we may make of credit eligibility information and our sharing of information with certain third parties as described below. To opt out please call us toll-free at 1-877-905-2097, or write to us at P.O. Box 981439, El Paso, TX 79998.1439. If you have previously informed us of your preference, you do not need to do so again. you opt out, you will be directing us as follows: Do not share information about me with companies other than with GEMS Affiliates, and with the Retailer/MerohantiDealer and its affiliates and program sponsors (as applicable) for use in connection with this credit program and as otherwise permitted by law. Do not share with GEMS Affiliates information used to https://www.geonlineapply.com/serviet/MCSGenericApp 11/18/2009 Terms and Conditions Page 9 of 9 determine my eligibility for credit. Do not allow GEMB Affiliates to solicit me for products and services based on transaction, experience or credit eligibility information they receive from GEMB. Notes About Your Choice • Please understand that, even if you opt out as described above, we will continue to share information with the Retailer/Merchant/Dealer and its afflr fates and program sponsors (as applicable) associated with this Account, joint marketing partners and service providers as described in this policy, and as otherwise permitted by law. And we will continue to share information that identifies you, and about your transactions and experiences with us, with GEMB Affiliates. . if you have a joint account, a request by one party will apply to all parties on the account. . We will process your request promptly. However, it may take us several weeks to ensure that all records are updated with your preference. In the Interim, you may continue to be included in programs as described above. Also, after your request is processed, you may still be contacted by GEMB Affiliates and/or other companies based on their own information. . Even if you opt out, we will continue to provide you with billing inserts and mail notices of special offers and new benefits. We will also continue to use your information (including credit eligibility information) to offer you special benefits, features and/or services on your Account. . Vermont Residents: if (and while) your billing address is in Vermont, we will treat your Account as if you had exercised the opt out choice described above and you do not need to contact us in order to opt out. If you move away from Vermont and you wish to restrict us from sharing information about you as provided in this Policy, you must then contact us to exercise the opt-out choice described above. Our Security Procedures - We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard nonpublic personal information about you. We limit access to personal and Account information to those employees and agents who assist us in providing products and services to you. We also require third parties to whom we disclose nonpublic personal information to adhere to this Privacy Policy and to establish information security procedures. Your Access to Information - We provide you access to information about your Account by sending you monthly billing statements outlining your transactions, finance charges, and other Account information, and by providing customer service representatives to answer your questions. r This Policy Applies to You - The examples contained in this Privacy Policy are rations only, and are not intended to be all-inclusive. If you decide to close your aunt or become an inactive customer, or if we close or suspend your Account, we will inue to adhere to the privacy policies and practices described in this notice to the nt we retain information about you. We may amend this Privacy Policy at any time, we will inform you of changes as required by law. You may have other privacy actions under state laws and we will comply with applicable state laws when we lose information about you. This Privacy Policy applies only to this consumer credit )unt with GE Money Bank and does not apply to any other accounts you may have us, and replaces our previous disclosures to you about our information practices. Print Close https://www.geonlineapply.com/servlet/MCSGenericApp 11/18/2009 VERIFICATION I, PETER HUBEH , hereby depose and state that: The language of the foregoing document is that of counsel and not necessarily my own: however, I have read the foregoing document and the factual information contained therein is true and correct to the best of my personal knowledge. I am the Authorized Representative and a duly authorized representative of the plaintiff; The factual allegations set forth in the foregoing pleading are true and correct to the best of my knowledge, information and belief, and they are that BRYANT, JANET owes the balance of $1,677.4 7 to CACH, LLC on previously submitted invoices, which balance is due and unpaid as of the date of the execution of this Verification. I am aware that if any of the foregoing is willfully false, I am subject to punishment. I understand that false statements made herein are subject to the penalties relating to unsworn falsification to authorities. By: -- - Authorized Representative Dated: FEB 11 2010 (PA-NJ SWEEP Jan 2010) SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff ~~~,~~ir ~i t~~itn6F~~7j~~ ~; , .< . _ C1Ff ~ ~;: °.. ..:°~~Cr ti~-r~r~ ED-+.~rr-~~,t; roc ~.;._ ~~~,,.~~~ :~~A.PY Jody S Smith Chief Deputy Edward L Schorpp SOiICItOr f' ~,~ Cach, LLC vs. Janet Bryant Case Number 2010-1552 SHERIFF'S RETURN OF SERVICE 03/22/2010 Jason Vioral, Sergeant, who being duly sworn according to law, states that on March 22, 2010 at 1445 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Janet Bryant, by making known unto herself personally, at The Cumberland County Sheriffs Office, 1 Courthouse Square Room 303, Carlisle, 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: $41.50 March 22, 2010 SO ANSWERS, RON R ANDERSON, SHERIFF ~' '~~ ~~ JASON IO L, SERGEANT ~d!. Cru~si Suite SFE:r'(. ie'.^cs:;ft Inc. Harrison Ross Byck, Esq., P.C. Attorney I.D. 61511 229 Plaza Blvd. Suite 112 Morrisville, PA 19067 1-888-275-6399 // (215) 428-0666 Attorney for Plaintiff CACH, LLC. vs. Plaintiff, JANET BRYANT Defendant(s). COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: -~A-i~32 civil term l0-1550? To: JANET BRYANT 212 EDENDERRY WAY ENOLA, PA 17025 NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below: By: ~~~~~rv X Judgment by Default _ Money Judgment Judgment in Replevin Judgment for Possession Judgment on Award of Arbitration Judgment on Verdict Judgment on Court Verdict If you have any questions concerning the above, please contact: ATTORNEY: HARRISON ROSS BYCK, Esquire at 215-428-0666 or 1-888-275-6399 Harrison Ross Byck, Esq., P.C. Attorney I.D. No. 61511 229 Plaza Blvd., Suite 112 Morrisville, PA 19067 1-888-275-6399// (215) 428-0666 CACH, LLC. Plaintiff(s), vs. JANET BRYANT ~c r "" ( ,~r~ ~'l~ . T. _.... .. .. _. 2~Jt0 x i~~i ~ 7 i~`i ~ x:23 COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 10-1522 civil term PRAECIPE TO ENTER Defendant(s). ) JUDGMENT BY DEFAULT TO THE PROTHONOTARY: Please enter a Default Judgment in favor of plaintiff, CACH, LLC., and against the defendant(s), JANET BRYANT, for failure to answer or otherwise respond to the Complaint in Civil Action. The Complaint was served upon the defendant(s) on MARCH 22, 2010. A copy of the proof of service is attached hereto as Exhibit "A". A copy of the Notice of Intention to take Default mailed to defendant(s) JANET BRYANT by regular United States mail, postage paid, on APRIL 22, 2010, is attached hereto as Exhibit "B". Assess damages in the amount of $ 2749.29 as follows: [a] $ 1677.47 principal being sought in the Complaint; [b] and $ 771.82 interest being sought in the Complaint; [c] and reasonable attorney's fees of $ 300.00, or $ 150.00 per hour, [d] and Court Costs of $ 0.00, [e] and Costs of Service of $0.00. Date: May 05, 2010 __ By. - _-_.,.,. Allan C. Smith, Esq. Attorney I.D. No. 204756 $~~. oo P a A'rr/ ~~a~~~1 ~~ a~raa~~ ~(a~tee, ~~.~ SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith ~~~tititi11' ~t v~ rarf~i,~y~~~~~4 Chief Deputy ~, , : ~; ,,, Edward L Schorpp Solicitor ~FFi~:~;r rr~E..,~,~,~~ Cach, LLC vs. Janet Bryant Case Number 2010-1552 SHERIFF'S RETURN OF SERVICE 03/22/2010 Jason Vioral, Sergeant; who being duly sworn according to law, states that on March 22, 2010 at 1445 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Janet Bryant, by making known unto herself personally, at The Cumberland County Sheriffs Office, 1 Courthouse Square Room 303, Carlisle, 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: $41.50 March 22, 2010 SO ANSWERS, ~~~. RON y R ANDERSON, SHERIFF ~, ~~/~~ JASON IO L, SERGEANT (r.) GourtySulto Sheriff. TelF~sofl, Irtc. Harrison Ross Byck, Esq., P.C. Attorney I.D. 61511 229 Plaza Blvd., Suite 112 Morrisville, PA 19067 1-888-275-6399//(215)428-0666 Attorney for Plaintiff CACH, LLC. ) COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, ) NO: 10-1522 civil term vs. ) JANET BRYANT Defendant(s) CERTIFICATE OF SERVICE OF NOTICE OF INTENT TO FILE PRAECIPE TO ENTER JUDGMENT BY DEFAULT I, ALLAN C. SMITH, ESQ., of full age, certify that I mailed a copy of the annexed NOTICE OF INTENT TO FILE PRAECIPE TO ENTER JUDGMENT BY DEFAULT upon defendant JANET BRYANT by United States mail, postage prepaid and certified mail, on APRIL 22, 2010 at his/her last address of: 212 EDENDERRY WAY ENOLA, PA 17025 Date: May 05, 2010 Allan C. Smith, Esq. Attorney I.D. No. 204756 Harrison R. Byck, Esq., P.C. Attorney LD. No. 61511 229 Plaza Blvd., Suite 112 Morrisville, PA 19067 1-888-275-6399 // (215) 428-0666 Attorney for the Plaintiff CACH, LLC. Plaintiff, vs. JANET BRYANT COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 10-1522 CIVIL TERM NOTICE OF INTENT TO FILE PRAECIPE TO ENTER JUDGMENT BY DEFAULT TO: JANET BRYANT 212 EDENDERRY WAY ENOLA, PA 17025 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CAN NOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Lawyer Referral Service PENNSYLVANIA LAWYER REFERAL SERVICE 4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013. (717) 240-6200 Dated: Apri122, 2010 Harrison Ross Byck, Esq., P.C. Attorney I.D. No. 61511 229 Plaza Blvd. Suite 112 Morrisville, PA 19067 1-888-275-6399 // (215) 428-0666 Attorney for Plaintiff CACH, LLC. ) COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, ) NO: 10-1522 civil term vs. ) JANET BRYANT Defendant(s). CERTIFICATION OF NON-MILITARY SERVICE I, ALLAN C. SMITH, ESQ. of full age, certifies as follows: I am the plaintiff s attorney herein, and have sufficient knowledge of the facts and am fully authorized to make this Certification; My information is that the defendant is JANET BRYANT. 3. Our latest information is that the defendant is employed at UNKNOWN. 3. To the best of my information and belief, the Defendant is not a member of the military services of the United States of its allies or otherwise within the provisions of the Soldiers' and Sailors' Relief Act of 1940, as amended, and as stated in the attached Department of Defense Manpower Data Center reports. 5. This certification is taken subject to the penalties of 18 PaCSA 4904 relating to unsworn falsification to authorities. Date: May 05, 2010 By Allan C. Smith, Esq. Attorney I.D. No. 204756 Request for Military Status Department of Defense Manpower Data Center ~' > ~' . ~~`~" Military Status Report Pursuant to the Service Members Civil Relief Act ~r Page 1 of 2 May-OS-2010 10:07:55 '~ Last Name First/Middle Begin Date Active Duty Status Active Duty End Date Service Agency BRYANT JANET Based on the information you have furnished, the DMDC does not possess any information indicating the individual status. Upon searching the information data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the current status of the individual as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). ~~_ ~i-~- Mary M. Snavely-Dixon, Director Department of Defense -Manpower Data Center 1600 Wilson Blvd., Suite 400 Arlington, VA 22209-2593 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Service Members Civil Relief Act (50 USC App. §§ 501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL http://www.defenselink mil/faq/pis/PC09SLDR.htm1. If you have evidence the person is on active duty and you fail to obtain this additional Service verification, punitive provisions of the SCRA maybe invoked against you. See 50 USC App. §521(c). If you obtain additional information about the person (e.g., an SSN, improved accuracy of DOB, a middle name), you can submit your request again at this Web site and we will provide a new certificate for that query. This response reflects active duty status including date the individual was last on active duty, if it was within the preceding 367 days. For historical information, please contact the Service SCRA points-of- contact. https://www.dmdc.osd.miUappj/scra/popreport.do 5/5/2010 of ?Cunt?Pr?? RONNY R. ANDERSON Sheriff JODY S. SMITH Chief Deputy To Whom It May Concern: RICHARD W. STEWART Solicitor OFFICE OF THE SHERIFF One Courthouse Square, Room 303 3 Carlisle, Pennsylvania 17013 Mc z rn- U) 1 July 17, 2011 . j CACH, LLC yZ-, ?? Im vs Janet Bryant < Writ No. 2010-1552 Property Claim Determi nation Reference is made to Property Claim dated June 27, 2011, entered by Troy W. Soctt, III, Writ of Execution No. 2010-1552 Civil Term, CACH, LLC vs. Janet Bryant Ronny R. Anderson, Sheriff, has determined that the claimant, Troy W. Scott, III, in the above mentioned property claim, is the owner of the property set forth in the claim. So Answers: cc Allan C. Smith, Atty for Plaintiff Janet Bryant, Defendant Troy W. Scott, III, Claimant Ronny R. Ander on, Sheriff B NOTICE OF PROPERTY CLAIM In The Court of Common Pleas of .......... CACH...... LLC .......................................................... Cumberland County, Pennsylvania VS. .-.----. Janet....Brxant ............................. No...?9.1.0.-..1.5.5..2 .................. Term Writ of Execution TO THE DEFENDANT AND ALL OTHER PARTIES IN INTEREST: You are hereby notified that a property claim, a copy of which is attached hereto has been filed by Troy. W. Scott, III . , , ... , , claiming property listed therein. Unless an appraisal of the prop- erty is requested within (10) days from the date of this notice, the sheriff without making an appraisal will accept the value of the property set forth in the claim. Date: June . 2.7., ..201.1...._...... . Ronny. R,. Anderson Sheriff of Cumberland County Q? ...... PROPERTY CLAIM L?CA uL VS TO THE SHERIFF OF CUMBERLAND COUNTY, PENNSYLVANIA In the Court of Common Pleas of Cumberland County, Pennsylvania `' Writ No. G - /! - The property listed below and levied upon in this case is not the property of the defendant, but is the property of the undersigned. A list of the claimed property and the values thereof are: LIST OF PROPERTY VALUE C1 o4),) 5,o,4 f 1 Go 1 Z-A 6d -5 I(wj S cx m 5 u nc fi V -$( ado .aa ry?Gn? wit G 4m -s ? 6 - 1 ti „? I ?csc? 1 tfa t3 6c 2 1 bAt,4 P1, i GAS 4Jv(?' 4 6. W THE CLAIMANT OBTAINED TITLE TO THE PROPERTY AS FOLLOWS: Ado- I- i bR-` t o G 5-d-C Date C /, State of Pennsylvania: County of Cumberland Claimant :)?dv ? !w 5 < -17` d T'?0 7+ w .S<CTft *j:t- being ly sworn according to law, deposes and says that the above list in the property claim are correct and true. Sword and9ubscr. e to before e a Claimant Thi$'L t d o NOTARIAL SEAL Notary Public %JUUT l SM1TH, NOTARY PUBLIC '2(1 c'v? l p? Carlisle BM, Cumberland County ?vp `co- PA I I D ().J5 Imy Commission Expires April & 2013 r, U'7i vn -oO b1 # l l +? I l 1 1 m 1 C,%(6 cv A VC C 5 -YI S-0 (-Ca eo-(-- c,??c? IQ?hS u# 1s SS 4aqmmw 1 5c" )6Ca ACC 's 9ca c t /- &o R C,vl?, ? 1 ?GO I ? j S /i Wr4sk?!( sf d . s+.? ??. / / ?Jc-A / ANVP r 'S C? 5 l G? S s f c E' ?( .5-6 Cha-i?S C ?)Y1i»S r?c? r 66 U? `??? U ,? c u rti Jf 160 K,?h?w > ?, as V 1 ( 9? l oc3 C?? dG l: ?G 1 C L e-wo S -C) {?S? ?? ?Oe1 od IV C 5Y/ VA`) ?? t U 3a7" J??p jQ(jsrh ro JiNW S a Pn s ,? ns ' j V 33;' l lP tv? 3 3 `? C?% 91 / CIO \? d f ?1 1 t CL } C / JC%'? ?1?? {71 p? > j u-,i `/11CTS'?E:/C ?Cx4S? S r3u?QtiL ?j CiS C+ ?J ?r `G?. Cao ?'a-4 Ia fic 61LS /-oo 6, 5. /Go?) tG") S- C ? U.,(? m4k, 190,sh yn? wcn a ®C, ;; ., u??H ?95C! ?em I,' to PD CJ r? ??? f7r c `X,1 Sts?a N f (7 S I V gara (] /? l Z ) U(?/?? I 1 ??-1 I SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy _ ? CLCt1 C??'iC ,. THE FP;C 1 FfI N 2011 JUL 19 PM 3: AS a Richard W Stewart Solicitor CUMBERLAND COUNTY PENNSYLVANIA Cach, LLC vs. Janet Bryant Case Number 2010-1552 SHERIFF'S RETURN OF SERVICE 06/22/2011 09:12 PM - Deputy Michelle Gutshall, being duly sworn according to law, served the requested Writ of Execution and Claim for Exemption Form to a person representing themselves to be TROY SCOTT- HUSBAND, who accepted as "Adult Person in Charge" for the within named Defendant, to wit: Janet Bryant at 212 Edenderry Way, East Pennsboro Township, Enola, PA 17025, informed person of contents of same and levied upon personal property as directed. Postcard and copy of levy mailed to attorney and letter mailed to defendant on 06-23-2011. 06/27/2011 On June 27, 2011, at 1000 hours, a property claim was filed by Troy W. Scott, III. All parties notified by mail this date. 07/19/2011 No objections to property claim filed in this case. Refunding $25.00 on this date to claimant Troy Scott III. 07/19/2011 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that this writ of execution is returned STAYED per Pennsylvania Rules of Court 3206(c). SHERIFF COST: $97.64 SO ANSWERS, °- July 19, 2011 RON R ANDERSON, SHERIFF All -ountvSIM0 Sheriff, Te eosoft. trn;.