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HomeMy WebLinkAbout10-2029 -OF TfiE THC 20 10 NR 23 Ali 10: 3 5 ctly , r IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PRO CREDIT SOLUTIONS, LLC Plaintiff, Vs. Donald N. Swidersky, Defendant(s), CIVIL DIVISION: No. 10-400 0'wimem TYPE OF PLEADING: COMPLAINT Filed on behalf of: Pro Credit Solutions Counsel of record for this party: Thomas L. Maher, Esq. P.O. Box 582 Greensburg, PA 15601 (888)-793-3238 PA ID # 207970 0 s $4a . oo P0 NTT'/ #f 55a.I o?R3 0a COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA. PRO CREDIT SOLUTIONS, Plaintiff No. VS. ; Donald N Swidersky CIVIL ACTION Defendant COMPLAINT 1. The Plaintiff is Pro Credit Solutions. ("PCS"), with a place of business at P.O. Box 582, Greensburg, PA 15601. 2. The Defendant(s) is Donald N Swidersky , an individual with an address of 611 Park Hills Dr Mechanicsburg, PA 17055, PA. Count I - Breach of Contract 3. Defendant requested a credit card from Chase. 4. On ,10/6/2005 , Chase offered Defendant a revolving open- end charge account and issued a card to the Defendant subject to the terms and conditions set forth in a written agreement. 6. Defendant accepted the terms of the written account agreement by using the Chase credit card account number 4266841065280578 for purchases, cash advances, and/or balance transfers. 7. Defendant was mailed account statements relative to Defendant's use of the credit card attached hereto as Exhibit "A", pursuant to rule 1019(i) 8. The Defendant has defaulted under the terms of the Agreement by failing to make monthly payments as they became due and owing. 9. The last payment of the Defendant was received and credited on 6/24/2007. 10. The within account was sold to PCS for valuable consideration and all rights under said account were assigned to PCS. 11. Pursuant to the terms of the Agreement, Plaintiff, upon default in payment, may declare the entire unpaid balance immediately due and payable without notice or demand. 12. Pursuant to the terms of the Agreement, Defendant, is liable for interest on the unpaid balance. 13. Pursuant to the terms of the Agreement, Defendant, is liable for Plaintiff s court costs and reasonable attorneys fees. 14. As of 2/29/2008, the balance due and owing to Plaintiff from Defendant was $11,139.70. WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant, in the amount $11,139.70 of plus costs and interest at the rate of 6% per annum from 2/29/2008 as well as reasonable attorneys fees of $500.00 and such other and further relief as the Court may deem just and appropriate. Count II - Account Stated 15. Plaintiff incorporates the allegations of every paragraph enumerated above of this Complaint as if said paragraphs were fully set forth here at length. 16. The within account was an account in writing and expressly or impliedly accepted by both parties. 17. The amounts due and owing to Plaintiff by Defendant are based on a subsisting debt and arise from a preexisting account or course of dealing between the parties. 18. This account is an Account Stated, thereby operating to foreclose any dispute over the amounts due. WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant, in the amount of 11,139.70 plus costs and interest at the rate of 6% per annum from 2/29/2008 as well as reasonable attorneys fees of $500.00 and such other and further relief as the Court may deem just and appropriate. Count III - Quantum Meruit 19. Plaintiff incorporates the allegations of every paragraph enumerated above of this Complaint as if said paragraphs were fully set forth here at length. 20. The services provided by Plaintiffby and through its predecessor in interest, and same were received by the Defendant, and the Defendant received and accepted the benefit of said services provided by Plaintiff. 21. At all times material hereto, Defendant was aware that Plaintiff by and through its predecessor in interest, was providing the aforesaid services to Defendant and expected to be paid for such. 22. At all times material hereto, Defendant, with the aforesaid knowledge, permitted Plaintiff by and through its predecessor in interest, to provide the aforementioned services and incur damages. 23. At all time material hereto, the Defendant was unjustly enriched by retaining the benefit of receiving said services without paying plaintiff or its predecessors fair and reasonable compensation. 24. By reason of the aforesaid unjust enrichment of Defendant at Plaintiffs •?. va.a.wrn rrumuer: 4Aoe 0419 5528 0578 New Balante Payment Due Date Past Due AmouM MWdmum Payrnwrt $11,100.70 02125/08 $2504.00 $8,032.70 E=N&w2ddmmor*qr,d? PrIntanbedL CHASE 0 426684106528057800503270011100700000001 34meazoaemc MECIUIC D IPA 70054987 it.[lilt!ul..Irlt.Irr11...1.i.rtttl.lrtrttltrrltltrtllr rllttl 1rrtNh.rlllrrrritllrLLJ..II.L.J1•.Lut..Jbt.lLLdl ICJ SBVVICE WR.MNGTOM DE 19888.8188 1:50001602110 2031065280578iM OPW*Vaoft calm XAWJI M P"Wrj . 01i0B1°e-a2'°s'°e quarollBtoatNCE ENNit Mrdmum P"MWII OW $0 02"m in U.S. 14054W-4016 7p 1 Pay by phone I-W0 7M VISA ACCOUNT StJwN1ARY Oubtds u.s d co9ed Aoootatt Ntbrbar 41$9 0410 9lno o9r9 -azao ?NQiNR1Ea Previmm Purdrnss, lash, DebRs $10,783.24 TOW crMM Urw iQ 000 ACCOUNT Pumho? ;?* MW AveMpbCmM $0 P.WbnMgkm O.Bmc DE Cash Acown t ke $1.800 DE 19980 8288 Now Bdanoe 11, Aimb" for cent $0 PAYM W ADDMM P.O. Bmt 18189 Wbnkgbn, DE 198888183 VWT US AT: The arb*m*V bdwwo On your wMR aerd aoaomt b WhWulad b be fwMen Os • a bad debt abor8lr. Ae a nwdl yowaaM baasu w1 bo updd ed ul9t • nepdw ra ft fief aoW bdtbr up b seen yobs. We am ad help but you reed b cd its now at 1-a8b792 7547 (adept I-M . TRANSACTIONS ram AnwLmt Date Rebrartoe Number MKdw* Nwrb arTrweedl0n Dssatlrlbrt or@& Ddl 01126 LATE FEE Ism FINANCE CHARGES Ddy Polak Rds Owup Awaps 064y Due To TUMBMG bn AOMEWkded F MAIICE cabomy 31 days M %,de APR R, -1 Perbac Rib Fm Firs ChwMe CNAItm Pwd m" V .08218% 29.99% $7,042.14 $192.10 $0.00 $000 $19210 coh a6mme V.DMMS% 29.9916 $0.00 $0.00 $0.00 $0.00 $0.00 ConvwAsnae deck V 09218% 2999% $2,323 98 :09.18 $0.00 $0,00 $09.18 Balwres trmwfer V .08218% 29.99% $1.098.89 $27.18 $000 $000 $27.18 TOW ttnenaa dtetyas $278.48 81fectWe Annul Poem nFaeoe Rds (APR): 2909% Pam a Irdarrrbdon Abed YourAccowk 11-P fort II, -.e canprrle9On rrbfiod. 9mm parlod and d!w knpabnt Urrbrtrrdort. The COrraap mft APR b the mad" Meat you pay whwt ytau awry • bdatoa an any iretnatlon CONG ry. The Etbd m APR n{aaewdt your IoW /tirertce is Makdrg trwea09at foes such es cash advwm and belerr- b-nmhrhes- eglaee.0248F. aer tog, This Statement Is a Facsimile - Not an original ]( 0000001 fle3m c 8 000 N z Be Oaaa06 PYp l d1 00062 VA MA 34M Oaar000p00000efrmpl Address Charwe Requerd Pleses PvAds inlonnodon bellow only N the a ddresr irdormadon on front b irroorrsct, Street Address - ----- CRY. state: -- Bonne Phone: - ?- --- work Phone: --- --- E-rno Address: - -- L khm" a Ataat Teer Ammw Led or Maim Cade: Pines report your lox or stolen card immediately by calling the Custcoer Service number found on to from of your atetensM Advisors are slMeys available Is amts you. You can read[ an Adviser by pressing 0 after you enter yew account comber. r n 011100 . seeeatFor payments by regular US. null, sand at cwt your minimum payment due No our post alike bar designated for paynnnte shown on fall statement Your payments by and mat oorrgy with the instructions on this statement and must be made by dwdc orm order, pay" In U.S. Dollars, and drawn on or payable through a U s srrdat Institution or the U.S. branch of a foreign fkrsrslN krYSnbn. Do not acrd ash. Wme your account number on your dwdk or merely order. payments must be accompanied by the pyment oonpon in fee eralopa pnefded Wlh our address visible through the envelope A dew M sus ..pe a~ conWn more fun one payment or coupon and Mee can be no slaples, paper dips, We or ce-spondence Included with year palmart If your payment is in accordance with our payrn" trWrrcfans and is made avdabte to w on any day accept Decernber 25 by 11:00 pm. local time at out poet office bar designated for psymeas on thle ahtemart, we will credit the payment to your seemed asofNatday,fyour perm Ishacordrrx with our payment instructions, but is made aa8able te w after 1 M pm. local time at our pox office box designaled for payments an 06 statement we will credit it to your account as of M nod day. If you do not follow our payment instructions or If your payment Is not stn by regular US. mill to our post ofke box designated forpararm, cradling dyer papnad MAY be delayed for up to 5 days. Payment made eleabaialyr through our automated ktapherw service, Customer Service advisers, or our web site will be subject to any promming tioas disoleesd for those payment. Asead Idanatla Repwhi to Craif femur: We may report information about your account to cradf burena. We psyrnenw, missed payment or other dahuhs on your account may be reflected in your credit report If you think we have sported bwccun le Information to a credit bureau, you may write to us at the Cardmerrdier Service address gated on your billing statement Name Avid Bespeak 61fak CataewlaK When you provide a duck as payment you authorize us Wwr to use Wormalon from your ched to make a one-lime electronic full transfer from your account or to process the payment as a check trarwctkn. When we use Inbnnation from your duck to make an electronic fund wislar, funds may be wif irem from your account as am as the some day we receive your payment and you will net receive your check back from your frwwid institution. Cal the customer service number an this statement if you have quesfow abed electronic check agection or do not want your payments collected electronically. C adill" Payment: Any payment duck or other form of payment that you send us for lees than the hell balance due thin Is marked "paid in tolr or contains a similar notation, or that you otherwise taller in fell aatifmfon of a disputed amouK must be stn to Card Services, P.O. Bm( 15049, WMmirgton, DE 198503049. We reserve all our right regarding fuse payments (e p., If It Is determined there is no valid depute or N cry such check Is received at cry other address, we may accept the check and you Wfi still an any ranalnirq bdm). we may refuse k accept any such payment by returning it to you, not clshing it or destroybg It. AM other paymeda Out youmake should be sent te M appropriate paymwd ahldrasa. Angel Reaawal Now IT your account tea an amud fee, it will be billed each year or in monthly kwtelmente, Wwfwr or not you ass your WCAUnt, and you agree to pay it when billed. The armed fee is nml-refwmMk unless you nef y us that you wish to dose your account within 30 days of M date we mail your statement on which we annual be Is charged and at the sane time, you ply your outanding balance In fut. Your payment of the armed fee does not dW our dght t don your wand and to Malt your right to make transactions on your accouct it your account is dosed by you or us, we WM continue to charge the annual be Wall You Ply you outstanding balance In full and tennkwk your account relationship. Eamon d Raw Charges: We calculate penodim fna ce charges. using the applicable perbdic Was show on this sktmwt separably for each feature (e.g., balance tnewledbonveriaoce cedes and cm h advance checks (-duck to eacdor-), purdasm, balance transfers, cash advances, promotional balances or overdraft advances). Th m celrxlafaus MAY combire different triegonm eilh the sane duly periodie rate. If fxere Is a N" rem to a periodic n s on ft staMwd, [tare rat my vary, and the indee( and mar* used k detmdns VW axe and it co espondng APR are dose" In your Cardwnennber Agreement, as amended. There Is o minimum finance charm In any WBkq cycle in which you owe ay periodic 8narnce charges, and a trawm0a tames large for sub balance Mohr. cash advance. or duck transaction. in the amount stated M your Cerdmember Agreement as amended. To gat the duty baianre for each day of do currant bMbg cyst. tom 11111111 do beginning babnes for each feature, add any newbaresctiens or other debit (induding fees, unpak Manure dwryee and of dew), subtract any asMMtrmmdondats go beginning of the bilare added ling cycle in which thely are posed b your mount, or a late dos of our choim (excapt that check tnrreedions are added as of the dale deposited by ft pay" or a later date of our choke). Fees arc added Wher on to dab of a related trawcgon, the den fay are posted to yew account, or the last day of the billing cycle. This gives as Net days daily born. A credit balance Is tnnled as a balance of zero. f a dally perbdb no applies No arty stature, we mullply the daily Mabee by rice delyr petade ran in get your periodic finance charges for Nat dry. We then add them perbdk fYwmw ofwrges to your dally Ma ce to get vie begksrkp balance brill nodday. Of mom Mn one daily periodic ran could apply based on M average dally balance, we will use the duty periodic rate that apples for the average ddy Mines amount at the and of the b81rq cycle to calculate the day Deriorfic finance charge each day.) To get your told periodic finance dwells for a billing side when a dally Periodic rate(s) apples, we add all of the duty periodic temee dwiles fora! fmbrres. To de amine an average daily ballow, we add your daily Menem and divide by the number of the days in M applicable bilkq cycia(s). If you pariedic and I= ul" do do awW dm belna for wch feature by vie appuable daily m to M applicable blArq ). each viof Van results n add all of the by e r es results lomlttw. the WW sell am awl the periodic fnance charms tor the MOM cycle, except for mkrorwrieaorw duo to muMkq. To 99yourtohl periodic fkwwedarm for a WWrq cycle when a monthly periodic rate(s) applim, meal* M avenge defy balance for each habue by M applicable monthly periodic rah and add the results eogapwr. The total will equal M periodic fremos charges fur the bll% cycle, ampt for minor variations due to rounding. cep re" psi teat 28 lye): We aac se periodic 8remce dwryes on a transaction, fee, or finance charge from the ride It Is added to your day lalewro onat payment in fail is recdW on your account However, we do not clurge periodic finance charges on new wenhe m billed during a btllrq cycle If we receive both payment of your New Balance an your curent atlraent by the dab and time your payment Is due and also payment of your New Balance on your previous s4wmeM by M den and tine your payment was due. There is no grace period for balance transfers, cash &&aom, check transactions, or oveNreft advances. In addlilm, If then Is a 'O=WM Premllstnl Flaneiy' $son a fub delknoat, you will not Incur periodic Manse charges on any Ren ming BaMCe Mt appears M that section M you pay that balance In full by M applicable Expiration Dab. To evdd Anance ch" an new purchases when your Now Belaece includes any Remaining ce(e) in M Quallfyung Promotional Rnencinq motion, pay your full New Balance mmus the told of ihw Remaining Batraw(s) by the date and time your payment is dus. However, if your st inant shows Mt a minimum payment is duo, we must rosin at least that minimum payment by the data and lima spedW on your statement even If your Now Balance consists only of Qualifying Promotional Flnenckq Menem. Also, for some Qualifying Promofonal Ananc6p balances, periodic finance charges accrue during the promotional period but an not added to your account balance, instead, they accumulate from biding cycle to billing side. This Is referred to as "deferred interest" It a delemod Interest Qualifying Promotional Fmndng balance is not paid In full by the applicable Expiration Dark, ft "coed finance dwrges will be addd to your account as soon as the first day after the Expiration Dole. Furlher, if you dellult under the terms of you Cardmember Agreement, the dxemd Mane dwrges WII be added to your mcourn a aeon m the dab of default In Can all Emsm W !atom Aka[ Yarn fail: If you Wn k your bill is wrong. orfyouneed morairiamdonaboutaf nudononyourbil,write latdmanba Santa on a aepmk sheet at P.O. Bois 15298 wAmkgton, DE 19850-5289 as soon as possible. We must Mar from you no [ter Nn 50 days Mat we sent you the first bill on whicln do lira or problem appeared. You am telephaw us, but doing so will not presents your rights. In your beer, giro us the Movft Information. • Your name and account number • The dollar amount of the suspected error • Describe the error and apWn, f you can, why you believe there is an error. If you need more Informdon, describe fie Item you ere unsure about You do not two to pay any amount in question while we am investigating, but you to dill obligated to pay the part of your bill that am not in question. 00 we fnnAgeb yew question, we cannot report you as ddkequnt or tales action to collard the amount you question. H you have W odaad us to pay yew dolt ail bMt automat ay from your affi gs or ftdd p account you can abp the payment on any amour you think Is wmnp. To stop the payment, your left or cal (using M Card member Service addrese or he phones number shorn on this statrtanq must reach us at Wait than business days before to automatic payment is sdwdukd to occur. Speeid Rata for CNN Carl Prtlrac f you hove a problem with the *Wily of goods orserdae thatyou pcchancl whhs credit card (weluding pudwam made Will a cheek), and you have tried in good fe Mt to correct the problem with the mwdant, you may not have to pry the ramming mount due on the goods of services. You have the protection only when the pwdeme price was more than $50 and the putdrm was made In your hone stab or wMn 100 miss of year meting addrom. These limitations do not apply f we own or aparaw M merchant, or If we maMad you the advertisement for the propergr or services. MA021207 StBtOMOI tt for account. number: 4268 8410 5528 0578 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $8,979.31 07125/07 $0.00 $179.00 Amount Enclosed $ New address or emaaY PAM an padcC" $'vls+ss. 426684106528057800017900008979310000004 21744 DONALD Z 18007 C DONA WI IrrdlLirdrrldlrlrrllnJlLnr11461rrr16r66r/1L.llrrl DLD N SWIDERSKY ?CAt? BER SERVICE MECHA NICS13URGP A 170%4967 WILMINGTON DE 19688.5153 nrUlrtrlllnolriulrl?rlnllllurlluiurlr,rllurllrluli 45000 i60 2811: 203 1,065 2805?8 it OPenkng/Ckmv Data Pr nerd D ?ts OWOM - 07/05/07 CUSTOYMR SERVICE o ue kn Payment Due: 10 KrtW fA 07/-5107 In U.S. 1.888.305.4016 $179.00 EgmW 1463446-3308 TOD 15004155.8M Pay by phone 14O436-7WB abide U.S. cd cow VISA ACCOUNT SUMMARY Aatpat Number. 4Y08 8418 WU 0578 1.302.8944200 Previous Balance $9.011.30 Tom CM& Line A O?? ES 000 x Paymrd Credits 4200.00 Ptndases, Cash, Debits +$108.00 Available Croft Cash Access Lka P , $20 Wilmingbn, DE 198505298 $1.800 Fkanoe Charges +$59-01 Available for Cash $20 PAYMENT ADDRESS New Balance $8,M31 P.O. Boar 15153 WYnitgbn, DE 198885153 VISIT US AT: TRANSACTIONS Trans Amosd Date Reference Number Mardtrd Name or Transaction DescrIPdon Credk Debk 11 11 03128 24002167170000515113711 RGPCHASE CARD UPGRADE 88824787 FL 7900 07/04 241192167183000049712ew GIANT FUEL 1M120 MEcHANKMURG PA 30.00 FINANCE CHARGES Daly Priailc Rob G-M. Average Day Due To Transaction Acanadeled FWANCE Catsgory 30 days in cyols APR Balance Periodic Rate Fee Fin Charge CHARGES Purdases .02189% 7.9996 $8,102.07 $40.03 $0.00 $0.00 $40.08 Cash advances V .088M 2424% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience 1 p A .02109% 7.90% $1,874.31 $12.97 $0.00 $0.00 $12.97 Balance bander .02189% 7.99% $908.57 $5.98 $0.00 $0.00 $5.95 Tow Mnanco dargm $58.01 ERacUve Annual Paco rfags Rafe (APR): 7.90% Planes see Irntmabon About Your Account section for belence cony Amnion mellnod, grace Period and otlar imporlaM hformetion. The Co espondbg APR le are role of kntsraat you pay when you carry a belrroe an any katsecdon cebgory. The Etlo*a APR rsprese nb you told bwa dwgss - kndu I bw*Kfw fees such as cah advance and balance han lim fees - rOreased as a percw t ge. IMPORTANT NEWS Brookstone offer: $15 df $30 PucI - - via web or phone. Idaraffy, yo rsd as a Chess cudw ar. Mention or abler code CHASE at lockout. Vhk Brookslormwom or call 300.026.7000 Not valid in slorss Excludes 110x, drippkrg, gill cards, Ternpr-Pedb, Sony and Bose products. E?; I I, 12!31/07. VW the AKC Online Sore for a huge aakx*m of books, doOitp rM Offt kern for yotr breed. wwwAkcob e.org. Is your dog a Caries Good CNma Lot AKC and K9 Advwidx show you and your dog how to eam a CGC. To lean man, vbk hW**% w dm. Woniad about rbkng vat oats and wlrt you could afford 9 your pat had a sear`,- accident or Own? Cornfad the AKC Pat HedOxwe Plan at www.ak pV cam or 1.888.7252747, kkwft yourself as a Chase Cardrnrri er (Ouafe Code 19001). 3 gat a free esibwle on the probation your pot dessrves• This Statement Is a Facsimile - Not an original X 0000001 FIe33335 C 3 000 N 2 05 07WM Pys 1 ar1 =02 MA AN 21744 16610000030002174401 Address Charge Request peeve provide trrbreptlon bekw only M the addreae Irdornmalldn on fount Is kwormot. StreetAddrass: - ---- ------------- City! state: -- Hans prom --- --- ---- work Phone: --- --- --- E-mail Addresa: - -- L 6*Moft Alert Yaw MNW l.odw Blalam CesIK Pfeese report yea last er atolen card hanedataly by slang the Customer Sella nunbw found on the lion[ of your statemwit Advisors are ehwys alaitahll to asset you. You an rash an Advisor by pressing 0 after you aria your account number. Dowiil M PVyweVe: For payments by regular US. mil, sand at lout your mnknum payment due to our pod elm box designated for payments shown on thla sfatemert. Your payments by red mat comply with the nstrctions on this allotment and most be made by deck or money order, payable in U.S. Dollars, and dawn on or payable through a U:. financial Institution or the U.S. bench of a foreign Iswctal ieabtimn. Do not send ash. Writ your account number an your dnook or money order. Payments must be aaoompanied by the payment coupon in the envelope provided with our address vlelble through sat anelops windme; the envelope cannot contain more seta one psyrart or coupon; and there can be no apples, peps dips, tape or correspondence included with your payment H your payment is in amordence with our payment instruction; ad is mall available to us an any day except December 25 by 1:00 p.m. loci tlmne H our post office box designated for payments on the statement, we w10 credit the payment to you account as of that day. If your payment Is In amordree with our payment instructions, but Is made available to to afar 1:00 pan. local time at our post office box designated for payments nails 3%Wnerri, we will credit it to you account as of the nod day. It you do not faNbw our payment instructions or if your payment is not sent by regular U.S. mall to our post Am box desl~ for payrnaft credOng of your payment may be delayed for up to 5 days. Payments made eNcsordally through our automated telephone service, Customer Service advisors, or our well site will be subject to any processing times disclosed for these payments. Asserat labnatla RepeelN to Cw1R Berea: We may report information aboul your amount to coeds bureau. Late payments, mined payments or other dsbults on you account may be reBased In your credit report It you think we have reported Iumumta information to a credit bureau, you may write to us it the Cerdmember Service address listed on yourb0ilng statement Was AbW EletalVe Cta id Coamiles: Main you provide a duck as payment you audimrize us Over to us Nrdonttion ho m your chock to male a one-time electronic fund transfer from your amount or to p x in the payment as a deck mumadlon. Whn we use nfor a non from your cfadk to make an electronic fend transfer, fads may be Wthdam from your amount as won as the sane day % e M*A yew payment and you vin not receive your check bads from your fiarx:W institution. Cal the customer service number on this statement if you have question about electronic tack collection or do not want your payments collected Coltilesd Paymneae: My payment check or other form of payment that you send us for less than the full balance des that la marked "paid In full' or contains a similar notation, or dolt you otharvdse taller In full satisfaction of a disputed amount, must be sent to Card Services, P.O. Box 15049, N4lminpbn, DE 198548049. We reserve all our fights regarding the" payments (e.g., H it is determined there is no valid dispute or H any such chock is received =04 er address, vre may accept the check and you will still owe any balance). Nfe may refuse to accept ay Such payment by returning 0 to you, at cashing It or destroying It Ail other peymnb that you make should be sent to the appropriate payment sddnss. Aaad Rmewui Notes: It your account has an annual tat, It will be baled each year or in moriftAf I go merhe whiter or riot year use yew comment and you agree to pay It wan billed. The anu d to Is non-rdrmdebb Mesa you notify us that you Uah to dose your amouad wshn 30 days of the data we mail your Metemnt on wtach the armW In le charged ad at the acme time, you pry your outstanding balance in full. Your payment of the annual fee does not aBad our rights to don your account and to Omit your right to make transactions on your amount if your acm;f is dosed by you or us, we will cedinus to d" the mud fa until you pay your oupendrg balance in full and terminate your account relationship. East -1 of Room MUM We calculate periodic IWO dargss, tong the ail ic" periodic rates show on the setemant, "we* for ach feature (e g., balance tmuferkanwNnce checks and cash adverse knacks (`chalk tmsao8on'), purdaim, blame tenders, cash advances, promotional talnees or overdraft advames). These algdttions may combine different aegoriees dth the era; daily periodic retes. If these is a `%r nod to a periodic rate on rife atriment. BIM vale rely vary. and the index and margin used to deMmine that rata and its corresponding APR am described in your Cardramber Agroment, as amended. There is a mirimum fiance duri e in any billing cycle in which you owe any periodic fiance charges, and a trefeesBon loonies chop for each comes trarmar, ash advance, or ohs* transaction, in the amounts stated In your Cardmamber Agreement as amended. To gal the daily balance for each day of the ourned billing ayefe, we eke the beginning balance for each feature, add any now Varsecdoto or other debits (including tees, unpaid finance our" and other ch rgn), subtract any payments or credits, and make otiar adiuenera. Trenesotldn are added as of the transaction data, the beginning of the billing cycle In taildn Ow are posted b your aaaunt or a late dab of our choice (akapt do ft& transactions are added as of the dale depoefed by the pays or a leer data of our choice). Fees are added either on to data of a related transaction, the data they am posted to youracarat, or the tall day of on wing cycle. This 91110 a that dyla daily balm. A credit balm is treated as a balance of ZING. It a drily parbdim rasa applies to any feature, we multiply the dWy bahnoa by Bte dNy paiode oft Is get your periodic finance ohs" for that day. Via thn add thew periodic fnalae changes to your daily balance togetthebe0 2 -balance forlhenadday.(Ifmomclanonedaily periodic Aft COW apply bas periodic rib SO AMW the swra ? taYmx, am Will use the duly am at the tad of gat bilfrg cycle to Calculate the ? balance daily periodic frwme charge rge each day.) To get Your pal Periodic Mace dirge for a billing cycle when a daily paledc rant(s) igilw, w.add ail of #m dally periodic fauna dmgps torah faaaaas. To delamit* an Voltage lily balance, we add your daily balances and divide, by the number of the days In to apgkwble bVIN cycle(s). If you InAply the average daily baler- for each feature by the applcabe duly P81kKk fft and it= MW* sach of Ovess results the number of dip in VW W able bilMg tYde(s), and Van MM d of Uu results together. the cos-! wit ales OW the I I M me I fieae changes for des bong cycle, ,dept forminer iaPorataroroudsp To9eryourDOtalpaledctsrrmedmrge for a b1 ling ails when a mor" periodic rate(s) applies, multiply the awep daily I I I I for 00fiesture by the applicable monthly periodic rest and AN the realty boMat The WW will equal the periodic fir ence charges for the bO ft eyofe, except for minorverlatlons des to rounding. Wail Potts (d Most lD deyg: lye accrue periodic finance Barges on a banacfion, fee, or finance large from to data It is added to you daily balance urail payment in full Is reabed n you amount However, we do not large periodic Ounce Barges on raw purchases billed dung a WIN cycle H are receive both pai m st of yew New Baiace on your current staamwd by the date and dime your payment is des and also payment of your New Balance on your previous Mannam by the date and time your payment was dol. Thera Is no grace period for balance transfers, cash advances, check transactions, or overdratt advances. IN 9ddMu, it tore Is a "QNWM Pre WNM Flow"' sepia se No slah.aat you will not mar periodic finance dirges on any by ON SPOWWOe Fxnhdtion appears Din M notion ate. To avoid il you fi pay i cthat MWm harges on ion g purchases when your New Balance indudw any Remaining Biteoe(s) in the Qtoll" Promotional Rna cirg section, pay your full New Balance rrlnus the total of theses Remaining Halice(s) by the date and time your payment is dus. However, If your staemad shows that a minimum payment Is des, we mud receive a lent that minimum payment by the due and time specified on your statement, an if your New Balance consists only of Qualifying Promotional Financing bolimm. Also, for some Qualifying Promotional Financing balances, periodic finance charges accrue during the promotional period but are not added to your amount Wfence. nsVW. they accumulate from Willing cycle to billing cycle. This is referred to as "deferred interest." If a deferred interest Qualifying Promotional Financing belar" is not paid in full by the applicable Expiration Dale, the defend fiance charges wife be added to your account as soon as the first day after the Expimtion Date. Fuller, It you ddsult under the erns of your Cadmember Agreement, the defend finance charges Van be added to your amount as soon as the date of default In Cues of Emm ar Goolli a Abed Year NB: If you drink your bill is wrong, orif you feed more infenna & about a transaction onyourbill, write Cardmember Service on a separate ahem at P.O. Box 15290 Wilmington, DE 198503298 as aeon as possible. lyre must hear from you no late cyan 80 drA after we sant you the first bR an Oft Be error or problem apMred. You cn tNaphora us, but dung to wR not preserve your rights. In your Neer, giro us the folloMn9 Information. • Your mane and amount number • The dollar amount of the suspected am • Descrbe the error and eplem, H you can, why you believe there is an error. If you need mom Information, describe the Item you am unsure about. You do not have to pay any amount In question while we are Invainigiding, bit you errs 30 obs9aed to pay the parts of your bR that are not in question. While es InwaBOee your question. vas cannot report you as dldnqunt or helm aclon to tolled to amount you question. If you have aaherized re to pay your credit card bat outonauaty from your swings or deddrp amour, you can abp the payment m any amount you think Is wrong. To stop the payment, your teen or aril (using the Cardnember SerNa address er telephare amber shewn n this statenanq mat Hach us at hest time business days before the automatic payment Is scheduled to anal Bpdd Rds fur Ca1N Will Pushed: H you have a problem with the quality of goods or services tietyou purchased with a credit card (secluding pmineses made with a die;4, and you have OW m good faith to correct On problem with the merdvK you may not have to pay the remaining amount des on the goods of devise. You have this protection orgy star the purchase price sat mom flan !50 and the purdaa was made In your tome state or eritiln 100 mass of your mailing address. The" limitations do not apply if we own OF operate the merchant, or If we maned you the adventisanat for the properly or services. MA02120? expense, an implied contract exists between the Plaintiff and the Defendant, and the Defendant is obligated to pay Plaintiff the value of the services described above and in the exhibits attached hereto, in the amount of $11,139.70 plus costs and interest from 2/29/2008. WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant, in the amount of $11,139.70 plus costs and interest at the rate of 6% per annum from 2/29/2008 as well as reasonable attorneys fees of $500.00 and such other and further relief as the Court may deem just and appropriate. By: 07J'4-*? Thomas L Maher, Esquire Atty. I.D. 207970 Attorney for Plaintiff P.O. Box 582 Greensburg, PA 15601 (888)-793-3238 VERIFICATION I, Jason DiiNardo, am fully familiar with the facts set forth in this complaint. I verify the facts set forth in the within allegations are true and correct to the best of my knowledge, knowing that any false statements are punishable by law pursuant to 18 C.S.A. 4904. U Jason DiNardo Pro Credit Solutions ?? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRO CREDIT SOLUTIONS NO: Plaintiff, V. Donald NSwidersky Defendant ORDER OF COURT 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 THE COURT: ARY COMMONWEALTH OF nF THE PPM M PENNSYLVANIA CUMBERLAND COUNTY 2410 MAR 23 A9 Ip: OS In the Matter of PRO CREDIT SOLUTIONS v Donald N. Swidersky NO: NOTICE OF APPEARANCE CUI `- 4! 10 - aoay CiVi t Term Please enter my appearance in the above-designated matter on behalf of PRO CREDIT SOLUTIONS 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, Esquire Atty. I.D. 207970 Attorney for Plaintiff P.O. Box 582 Greensburg, PA 15601 (888)-793-3238 IN THE COURT OF COMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRO CREDIT SOLUTIONS, Plaintiff No. 10-02029 n *~ V s. DONALD N. SWIDERSKY, Defendant CIVIL ACTION NOTICE TO PLEAD ~ l1 ® ---) ~.e.."r ~. ..~... '^'y_ ~F~ -~ ~~ urn 1t_; -:: ~ .a . ~ P ` ~~ n.: ~~ 'a ~: TO: Plaintiff, Pro Credit Solutions You are hereby directed to file a response to the within Preliminary Objections within twenty (20) days or a judgment may be entered against you. Dated: 5 ~~ `{ ~fD Shawn B. Cohen, Esquire PA ID No. 79478 Robert K. Lascher, Esquire PA ID No. 203323 Attorneys for Respondent COHEN LAW OFFICES 1149 Municipal Drive PO Box 663 Duncansville, PA 16635 (814) 693-0500 IN THE COURT OF COMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PRO CREDIT SOLUTIONS, Plaintiff vs. DONALD N. SWIDERSKY, Defendant CIVIL DIVISION No. 10-02029 CIVIL ACTION PRELIMINARY OBJECTIONS TO PLAINTIFF'S AMENDED COMPLAINT AND NOW, comes the Defendant, Donald N. Swiderski, by and through his attorneys, Shawn B. Cohen and Robert K. Lascher of Cohen Law Offices, and preliminarily objects to the Plaintiff's Amended Complaint, and in support thereof respectfully avers as follows: 1. Preliminary Objection for failure of the Amended Complaint to conform to a rule of court under Pa. R.C.P. 1028(a)(2): A. Pa. R.C.P. 1019(1) requires that, where any claim is based upon a written agreement, the plaintiff shall attach a copy of the writing to the Complaint. B. Plaintiff s Amended Complaint references a written "Cardholder Agreement" but does not attach it; instead, the Plaintiff attaches only monthly billing statements, which are not signed or executed by either party. C. Plaintiff s Amended Complaint does not reference why the writing is not attached. 2. Preliminary Objections for legal insufficiency of the Amended Complaint: A. Plaintiff has not set forth any proof that it notified the Defendant of an assignment of a credit card agreement. B. There is no basis for interest on an unsigned contract; Plaintiff's Amended Complaint avers at Paragraph 12 that "Pursuant to the terms of the Agreement, Defendant is liable for interest on the unpaid balance," however, no such agreement is attached. (See Preliminary Objection Number 1). C. There is no basis for counsel fees unless authorized by statute; Plaintiff's Amended Complaint avers at Paragraph 13 that "Pursuant to the terms of the Agreement, Defendant is liable for Plaintiff's court costs and reasonable attorney's fees," however, no such agreement is attached. (See Preliminary Objection Number 1). D. There is no proof that the Amended Complaint was ever served on the Defendant. WHEREFORE, the Defendant requests that the Plaintiff's Amended Complaint be dismissed and that judgment in his favor and against the Plaintiff, or, in the alternative, that the Court order the Plaintiff to mend the defects in its Complaint. Respectfully submitted, Dated: ~ / ~ `~ ~IO i~~'~o ~ Shawn B. Cohen, Esquire PA ID No. 79478 Robert K. Lascher, Esquire PA ID No. 203323 Attorneys for Respondent COHEN LAW OFFICES 1149 Municipal Drive PO Box 663 Duncansville, PA 16635 (814) 693-0500 IN THE COURT OF COMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PRO CREDIT SOLUTIONS, Plaintiff vs. DONALD N. SWIDERSKY, Defendant CIVIL DIVISION No. 10-02029 CIVIL ACTION CERTIFICATE OF SERVICE I hereby certify that a true and correct copy of the foregoing Preliminary Objections to Plaintiffs Amended Complaint was served this date by first-class United States mail, sufficient postage prepaid, addressed to: Thomas L. Maher, Esquire P.O. Box 582 Greensburg, PA 15601 Dated: J ~l`-I`/D i~~'~~~ Robert K. Lascher, Esquire IN THE COURT COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION Pro Credit Solutions V. Donald N Swidersky, CERTIFICATE Pro Credit Solutions (1) A notice of intent to delivered to each party a served, (2) A copy of the notice (3) No objection to the (4) The subpoena which intent to serve the subnof DATE: July 14, 2010 Docket No. 2010 - 02029 (~ C N O ~-_ i -31 '`._~ "Z7 ;.): , O •--~ fli r.' . {.,. ~ ~ T~ ""71 _~ ~ 4.. 1 F .r :q_ ~ ~ ,._ _t.... _.,)~c. ~,r ~ ~7 --~. TO SERVICE OF A SUBPOENA PURSUANT TO RULE 4009.22 that: erve the subpoena with a copy of the subpoena attached thereto was mailed or least twenty days prior to the date on which the subpoena is sought to be intent, including the proposed subpoena, is attached to this certificate, has been received, and be served is identical to the subpoena which is attached to the notice of T omas L. Maher, Esq. Pro Credit Solutions ,~ IN THE COURT OF MMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION Pro Credit Solutions, v. Donald N Swidersky, Docket No. ~ ~ ~ ~ ~ ~ °~~ NOTICE OF INTENT Pro Credit Solutions inters have twenty (20) days fro undersigned an objection DATE: June 24, 2010 SERVE SUBPOENA TO PRODUCE DOCUMENTS AND THINGS DISCOVERY PURSUANT TO RULE 4009.21 to serve a subpoena identical to the one that is attached to this nofice. You the date listed below in which to file of record and serve upon the the subpoena. If no objection is made, the subpoena may be served. Yom` Thomas L. Maher, Esq. Pro Credit Solutions A ~ ~ P~ ~ ~r ~ ~~ t ~- S ~:- i;,~-~ ~ ~ COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND Vr' . ..~.~- T0: --- (Name of Person or Entity) days after service of this subpoena, you are ordered by the court to produce the Within twenty (2~ following documents or th ~~ File No. Li ~ ~~ ' (~~~~ at l' `:. ~ ;~cl,, i -E- ~: t ::~..."~~ vet. S P . s ~ `~ ~." (Address) ~ ` You may deliver r mail legible copies of the documents or produce things requested by this subpoena, together with th certificate of compliance, to the party making this request at the address listed above. You have the right o seek in advance the reasonable cost of preparing the copies or producing the things sought. If you fail to prod ce the documents or things required by this subpoena within twenty (20) days after its service, the parry s ing this subpoena may seek a court order compelling you to comply with it. THIS SUBPOENA WAS ISSUED AT THE REQUEST OF THE FOLLOWING PERSON: NAME: 1rl~e;,n~~.i L.. ~1'~1r:,i'~c..r' ADDRESS: .. '~ ;; ~~ ~;,; TELEPHONE: ~~- r` - '~~,~~ SUPREME COURT ID # a, ~ : i ` i `~ i; ATTORNEY FOR: l~n,:, C_-;-> ~t; r ;, t :~;-j~f^5 BY COURT: onotary, ivil Division Date: `,-i,~.{r~ ~ ~ ~ L'/C' ~he Ceui-t~- BPO NA TO PRODUCE DOCUMENTS OR THINGS FOR DISCOVERY PURSUANT TO RULE 4009.22 c-'~~~C ~ ~ G-tom #' Deputy i ~~ t + l 2010 A4 Ito Ifti 2 SS IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION: PRO CREDIT SOLUTIONS, LLC Plaintiff, No. 10-02029 Vs. Donald N. Swidersky, Defendant(s), TYPE OF PLEADINii. AMENDED COMPLAINT Filed on behalf of Pro Credit Solutions Counsel of record for this party: Thomas L. Maher, Esq. P.O. Box 582 Greensburg, PA 15601 (888)-793-3238 PA ID # 207970 COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRO CREDIT SOLUTIONS, Plaintiff No. 10-02029 vs. Donald N Swidersky CIVIL ACTION Defendant NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You, may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. 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 4th Floor, Cumberland County Courthouse Carlisle, PA 17013 (717) 240-6200 COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PRO CREDIT SOLUTIONS, Plaintiff No. 10-02029 vs. Donald N Swidersky CIVIL ACTION Defendant COMPLAINT 1. The Plaintiff is Pro Credit Solutions. ("PCS"), with a place of business at P.O. Box 582, Greensburg, PA 15601. 2. The Defendant(s) is Donald N Swidersky, an individual with an address of 611 Park Hills Dr Mechanicsburg, PA 17055, PA. Count I - Breach of Contract 3. Defendant requested a credit card from Chase. 4. On ,10/6/2005 , Chase offered Defendant a revolving open-end charge account (Account No. 4266841065280578 )and issued a card to the Defendant subject to the terms and conditions set forth in a written agreement marked in Exhibit "A". 6. Defendant accepted the terms of the written account agreement, as shown by signed application in Exhibit "A" and by using the Chase credit card account number 4266841065280578 for purchases, cash advances, and/or balance transfers. 7. Defendant was mailed account statements relative to Defendant's use of the credit card attached hereto as Exhibit "A", pursuant to rule 1019(i) 8. The Defendant has defaulted under the terms of the Agreement by failing to make monthly payments as they became due and owing. 9. The last payment of the Defendant was received and credited on 6/24/2007. 10. The within account was sold to PCS for valuable consideration and all rights under said account were assigned to PCS attached as Exhibit "B". 11. Pursuant to the terms of the Agreement, Plaintiff, upon default in payment, may declare the entire unpaid balance immediately due and payable without notice or demand. 12. Pursuant to the terms of the Agreement, Defendant, is liable for interest on the unpaid balance. 13. Pursuant to the terms of the Agreement, Defendant, is liable for Plaintiff s court costs and reasonable attorneys fees. 14. As of 2/29/2008, the balance due and owing to Plaintiff from Defendant was $11,139.70. WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant, in the amount $11,139.70 of plus costs and interest at the rate of 6% per annum from 2/29/2008 as well as reasonable attorneys fees of $500.00 and such other and further relief as the Court may deem just and appropriate. Count II - Account Stated 15. Plaintiff incorporates the allegations of every paragraph enumerated above of this Complaint as if said paragraphs were fully set forth here at length. 16. The within account was an account in writing and expressly or impliedly accepted by both parties. 17. The amounts due and owing to Plaintiff by Defendant are based on a subsisting debt and arise from a preexisting account or course of dealing between the parties. 18. This account is an Account Stated, thereby operating to foreclose any dispute over the amounts due. WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant, in the amount of 11,139.70 plus costs and interest at the rate of 6% per annum from 2/29/2008 as well as reasonable attorneys fees of $500.00 and such other and further relief as the Court may deem just and appropriate. Count III - Quantum Meruit 19. Plaintiff incorporates the allegations of every paragraph enumerated above of this Complaint as if said paragraphs were fully set forth here at length. 20. The services provided by Plaintiff,by and through its predecessor in interest, and same were received by the Defendant, and the Defendant received and accepted the benefit of said services provided by Plaintiff. 21. At all times material hereto, Defendant was aware that Plaintiff by and through its predecessor in interest, was providing the aforesaid services to Defendant and expected to be paid for such. 22. At all times material hereto, Defendant, with the aforesaid knowledge, permitted Plaintiff by and through its predecessor in interest, to provide the aforementioned services and incur damages. 23. At all time material hereto, the Defendant was unjustly enriched by retaining the benefit of receiving said services without paying Plaintiff or its predecessors fair and reasonable compensation. 24. By reason of the aforesaid unjust enrichment of Defendant at Plaintiff's expense, an implied contract exists between the Plaintiff and the Defendant, and the Defendant is obligated to pay Plaintiff the value of the services described above and in the exhibits attached hereto, in the amount of $11,139.70 plus costs and interest from 2/29/2008. WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant, in the amount of $11,139.70 plus costs and interest at the rate of 6% per annum from 2/29/2008 as well as reasonable attorneys fees of $500.00 and such other and further relief as the Court may deem just and appropriate. By: Thomas L Maher, Esquire Atty. I.D. 207970 Attorney for Plaintiff P.O. Box $82 Greensburg, PA 156101 (888)-793-3238 V' -. Cardmember Agreement cam ACCEPfAtRE GFIMABfIIIIIIIIIIlNi This agraawat? your ttreirt eard secant welt us rdaroneed onto card earriw carnining tftacatdiwtatia aawratawatyau? ueountiaear.rad flydds apaaraaat. PIEMea rand 6e vier a - I oil I loth" kfw your MM& YN avaerfta w b pay foram charge yau? actnattii0r rtameaim wade sa yaw aacaant ybU praodoa p aY are for asbatrpdws enede as yawn aeeatsL sesed as srry las a fiMartet eharpR f Yt* ks a jams senor-, cash of yet, ant- is s?porar?H fur pyybp aR aaswela assarf. avert if the saoaane uoad N ?yoa. 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Thu are respenaible for Wiling inch Page t off! ,,AN of yaw aoartt balance, bwkWbtp my lpa aid Hence ehargoo, and aakht/ are it rood" below yaw audit line. N Your aeaauat "Or vow crdR fin! for any r.wan.w.otp?dtary.=M .wadhelr atrM? Is iMtbie Mmaybut are not rquiui 1% war iaw, 1ne. Yar asst ppy nary atrVUrtt aver Your crest IhK std yw paY are if as ash You to. This apples a any Nbnce on your ace env balance over your at ON ML meow M You hats *W w no in do sq we ie pY are - - - • ------ ntaiaa k ardnetyeu awbdie tM aaY trasaeiarr that you SlssadAntratrkon" d it IE e ads in ILL M Yaw a in faneipnn armnew Yea Inrrasisaal a !MsMniitsd IEa,. 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The E9 aa11rw APR bpreawaeyaur ledel Genoa drrgu - NlakK*v banewdon bee such as 0aeh advance and bebrroe bwager bw - arpreusd as a psmudape. IMPMANT NEW" Surd mwus OnW afro ft gm@*W wflh mbrgeftbls gftfoml-11OMOINEAB.COM(A)t Got/6%dtya+purahus d Melr lbwan, pound 11R haekab, porpapr wruNe, orderpboae and mow when you uu picomft code SANK40. -For debt plasm vbk W W W.160WIDWERS.COWDISCWMER. Thrik you br yaw wipporl at AKC. Ramannban, AKD rowiws a comrbuEon emery time you we yaw AM VW owd. Pke, AND In pba$W b mmomm Gel cur Vlu owd has wwardel Nyoudeftdwd/hove owaNaonyouracccumodOre 600E an your owd b upgrads A mdve 1,000 bomr pobW Take $10 dl Fb*W* breed dbw at I Ve Fa"* FamW II ft awkga on2DberevelomWo grapefruitor mi , . Find Ore Wyane 0 *-U4A6 pke S&H. DM 2, ands 01/15. VYN www.ar ft krre oom or cod 1-EEb261.2614 dept. Odh. As a vaWsd owd nwnbw, you am WWA b Boom hot- qudy mandwrdaa nod avWkkb b 6e gererel pubbo from top bards awh as lent, ToNe, Dbwy and mast AM g0 b www.vakmnr*w oom and arrbr in 16614E wires k seke for vow OwNcats nmrber. Act Now, qu *dw are WWbd This StltenMM Is a Facsimile - Not an original X a000o1 FlweaneCe = N z of ant" PWO2 C94 00M W W leer sblaoooosoooleelea2 I https://instantimage.bankone-net/Star/action/Print.do?pageName=CCStmt&nTotalIterns=12&bnTo I ... 8/5/2010 matmCT m Tram Arrant OVA Rdnerroe lknrbw MsrOhad Nanraor Trarresobm Dawdpkn cram DOWN Page 9 of 46 Statament for wwunt number: 4286 0$10 0889 0878 CHASE New Sdwm P2~ Due Deb Put Dw AnwxA FA m e Payment S7,m7A6 o1A1D108 $0.00 $167.00 Amourd En loud ?iw?a t?in.14 RM m ?pN a?rbw. Y TEX Yw N e irra MYr o8bAp 426684106528057800015700007897855115531 +rwewxzoc L.JILIrJrJd.1Ld6.J.LrrdiddrrJlydd..11L.IL stly UFAM d PA 17066.4987 CAS SERVICE PO BOX 16169 WRMINOTON DE 196666169 1:5000 L60 281: 2031065 280578 LM SNbmwdDeN: 1206106-0108N6 CUWMMER SERVICE Peyfurd Due Deb: 0119d06 M U S. 1.8669064016 MbYmAn Peymem Ow: 5167.00 EepMlol 1-BeM468808 TDD 14068668080 Oubdde U.S. ad cp8ed 1.801604.8200 VISA ACOOUNT SUMMARY Aoeawt Member 4288 U10 80360874 ACCOUNT 11103ME8 Prwlaw Bdr1w $4,08296 Paymsd,Credb 41.47AD TOM Cred6 Une AnYMeCwdlt $8,000 P.O. Box 18288 $1,102 WbnYpbn.DEINN-6298 Pumhow, L`ee11, DAMb +$4,30W Cash Aweae U rve St,800 PAYMENT ADDRM Rnenpe QwW 408.60 - Awlebb br Cwh $1,102 p.0. 9w 18189 New BWnoe Irw.u8 Wkrft n,DE 19666.6169 VIM U$ AT. TRANBACTIONB Tam Amount Dab RAleence Number Mwdwd Name a Trenwodon Deecrotion Credit Deb" https://instantimage.bankone.net/Star/actionIPrint-do?pageName=CCStmt&nTotalItems=12&lnTot ... 8/5/2010 This Statement Is a Facsimile - Not an original ](0000001 Fl83MWe03 Opp N z pe OW1AK Pp 1.12 DO= MAMA 43M MS/p00p03000438MI Page 11 of 46 BwAwrwnt flew: law" - OIMM AoaauM Number: 4288 8410 4628 0678 Pape 2 of 2 TRANSACTIONS TWO - Amova Dtle Reler-nca Member keen A Name or Tranawlim Deco li: CMt Debit 1 71AD 01172 1 r 1,080.00 FROM CKARM Daly ftft& Raw OMOW W ng AMW Daly &dle Fkenoe Change Dca Tn-eaotion FINANCE Category 81 days, in cycle APR PneNOca Cycle Crrae Cycle To Pedodb Raw Fee C HAROU Purgeasa .0000076 0.00% Cash advreae V. I w 0% 27681% 51177667 $6,8" am $0.00 60.00 SOM j0.00 SO-00 $11Ao 80.00 Carwwtiwweahadc ODOM O.OD% $DAO $907.74 110.00 $71.80 $71.00 Balwee trwnaler A00007f. MOO% $0.00 $812.80 $0.00 $27.00 $27.00 Pwmdwn .00000% 0.00% 1110.00 $747.81 $0.00 $0.00 80.00 Told *wm,' gee $68.30 Mks&*AwwWPwmnbpRarIAPRX 8.40% Flow we reverse, dale for baWwe owrpWdon metibd, Awe PWW, and o8wr Iwporlyd Informal, The Owraprderp AM Is On rate d Weret you pry when you carry a belrbe on any transaction oalepory. The Elledw APR rpeawO your IoW inrnca olrrpw- kno',,- g t,.n ..2. lee a mb as cash advww eat balance b-rler low - rnpraeed as a psnwntap. IMPOFrrAMr NEWS Think you for yon support of ACC. Remember, AKC recalvw a cw*buwn er-y times you use WE NO Was car. Mrs. ACC Is pkeaed b wnoewe tiet ow Was card lw rwaKbl V you ~ w.. b have - I an your accwK call the 6008 an yaw card to words a r,.- 1,000 bwew panel As a vakwd ordnwmber, you am a8gde to receive Ngh- gwby mralee8ca not awMbb b tie gweal RMD kW UP brwda such as I&=, Trnlw, Dlenay wd nwret Jug go b wwormakm n w.awn and ~ In 168224 where it age for yes awtilbate mom er. Ant Now, qu-Wtiw ar " a... Payywla:wtlwbgrdaayway. Juatuwyour cardb pay br federal and alale prwnd brooms laces ken 7Nl000n-ph4WW. Wd www.d8,lelpaymerda.orrJaew or call 1.800-2PAY-TAX for deleM. This Statement Is a Facsimile - Not an original X cooMI Fmnnce 000 m : 0e oamm P p2aa OWN www aw 00910000030004rroa https://instantixnage.bankone.net/Star/action/Print.do?pageName=CCStmt&nTotalItems=12&nTot ... 8/5/2010 Page 13 of 46 Stat9MMt for So90aSlt number: 4268 8410 6666 0676 Nov a - Paywva6 Do Dab Pw Ow Anwo Mk*n .rn Payment CHASE() s 1114.57 OMAN 50.90 5170.0 ??--''--^?7Maseyeurah.sorabbbmawc"SW Mn. AmaaM Emlowd INw Mdrw a •?iteeir'tr ?Ar?w?"anYrd . In1we 0610 426664106528057800017600008814875150223 ??sr'?sro?: c I...III11.11..i.I.111.11...1.1.... 1111.1...11..1.1...11..11..1 MEC MA' /70664067 CCAf DIARAWR X SERVICE Islas WDANGTON DE 196666153 e: 5000160 281: 20 3 i06 5 280 5 78 1N' subumd Dab: 01AXM-07/06106 CUSTOMERSlJw" PEA Due Dab: cram in U.S. 141SM "OIS MtNmtm Payrtw d Due: 6176.0 Eepalbl 1.9911,4403906 Too 1-e00455-M Outside U.S. oa0 oclaot 1.60x-694-M VISA ACCOUNT SIM MARY Asao6atN.arabMr• w6Satosn6a97s ACGOIMTBIOWRIE6 P.O. Box IB Pnvbu Belartoa $7,653.86 ToW Cmdt L6n $9,000 DE DE 19560.6296 glm Payment, Oledb -$140.0D AwAttie CnAl . S185 P M hew^ Oaah, Debts +51,060.02 Caar. A000M LJm S1,SW PAYMENT AWMSS Row Chan +5A.0D AvolMe br Cash 5166 P.O. BM 15753 Nvw B91wM Vl9•.ipbn, DE IONS-6169 VINT U6 AT: FINANCE CHARGES Ds07 Psi Rae, Com pm tg Avenpa D* Beane FWWWO Ch.pe Dtw Tnnrobn MANGE Cabpay 81 drys H oyde APR To Pedoft Fhb Fee CHARGES Puriaase .00000% 0.00% 66,947.06 $0.00 $0.00 SDM Cash advwtau v .06100X 29.49% 60.00 $0.00 $0.00 60.00 Convw*,,=,'sak AOWO% 0.00% 61,946.67 $0.00 S27.OD 677.OD Bah. eNWO .0000% 0.00% OW.00 $0.00 $0.0 50.00 ToW Bnwm dwtpas 627.00 FM M-N,, AnraW PUeaM a Rob(APR): 0.72% Phan see termras aide for beam ocm RftMn ata6md, 9nos Psdod, and of- ktwwd Irdorrr"w. The Owaeportdbp APR b 00 n9a d bland you pay vdwn you Dory a bWwm m wry trarw 0*M 011tapory. The EN -1 -APR raplewb your bed I1Uaase cheeps- Yrobd%wamMc9an lees such as cash advwua and balowe baasbr bs - MapeneW as a ptamertbpe. IMPORTANT NEWS YOUR OLE DATE MAY HAVE OFMNOEO AND MAY VARY EACH MONTH. YOU CAN MAIDS PAYMEWM THROUGH OUR WEB SITE OR BY CALLING 00"067ta60. SU MOM DE PAGO PUDO HASH CAMBIADO Y PUBDE VARLAR OADA MES. U WW PUEOE HACER SUS PAOOS A TMVES DE NUMM PAGINA WEB O LLAMANDO AL 00"067960. URGENT: Ma r.tora6t, viwd oatdn wrhen have been betwd a Thnk You wodh up b 5100 a MWV you b a b0 year of rime neon rtas. Th W abasdy bean reserved Ior you. O.u0seanI And, so adbyO OMSbdeimyour Thw* You of up to $10 and for de1Mb. 1.500-082.6518.90X This SUdemsM Is a Facsimile - Not an original XOMDl RewawCO 000 N 2 06 onew Pop1d3 OOaer MAMA WM OW10000n00a12TwD1 https://instantimage.bankone.netIStaz/action/Print.do?pageName=CCStmt&nTotalItems=12&nTo*... 8/5/2010 TIC Torte Amount Dab Pow- rtos Number Marohwtl Name or Tremor m DaaooWn CM0 DMdt Page 17 of 46 Statement for mom" nueber: 4M 4410 OM 0676 CHASE Now Ba, P"Mwd Due Dab Pad Due MnaaA Mbs,aan Paymert 58,884.87 Oar" 70.00 8172.00 gekeywelaal b.0aarcwdowvwsa ARM*Bwobad : Neeatleaa 1>tYaaebtlc. II .ad aMw w1 mry olirtao anY ire. 426664106526057800017200008634675169399 awal ear Zoom0 11..III.I..I..I.Ir111.11...1.10...1111.1...11..1.1...111.11.11 Ids A 17066x887 PO Box N SERVICE WILABNOTONDE 188866151 1:50004602111: 203&0652805713&N' owbawrDae: ovum -oatom ammo nvaR ICE Paymwi Due Deb: OVA= M U.S. 14883064018 Mk1Man Payment Due: $172.00 awam 14884161308 TDD 1.8004611,4M Outride U.S. cell robot 1-302404-M VMA AMOUNT SUMMARY Ammount Ntaskw: 46M NW OM 0876 ACC OUKT MUMOB P.O. Box 16286 Ptwibn Bristow 79,814.87 Tour o" Una 79,00 WMmYgbn, DE 18860.6286 Payreent,Cwds, •6180.00 AvaasW t:rsdl Sa86 Now Boauoe --5QWA-7 Cab Aoow Lkw $1,800 PAYMENT ADOREM Avail" for Cash 5366 P.O. Bas 161ss vAYNrtpbn, DE 188866169 VINT Us AT. TRANBAMONS Tram Amotmt ows Relovi Ntortw MedtwdNameorTrarwobnDaeorlp8on Cam DWA 1 1 PAYMENT -THANK YOU W0.00 FINANM CHARGES Daly Pododlo Ras, Cornopmd M Average Daly Bdance France Clangs Due Tomsdbn RIUMCE Gay 26 drys In Wde APR To Padodo Farb Fee CNAROES Plyduaeo .0000076 0.00% 36,86228 $0.00 $0.00 $D.00 Grit sowro V.001130% 28.4876 $0.00 $0.00 $0.00 7D.OD Gnvwiwme alteck .00000% 0.00% $1,660.00 $D.00 $0.00 70.00 Bala"M bear MOM 0.W% $600.00 $D.00 SD.00 80.00 Total Mtwloe d*M" $0.00 E MIM Annual Paroa dap Rata (APRk OA9% Paw nee Mamsake Ab.AYow Aoanat "Own tor l a sinew wopus,0on woltiod, W- psdod, and atlur knpas,nt kiorrrutlon. The Cortaapara tg APR M M rats d btleeol you pay when you carry a bWwm on wry bwnao6on oabgory. The Eao11 APR ragassae your Ns,l etwms dr g - ktrtbdng banaodlon bu such as cash advww awl beatmo carder does - aapnaaad u a psma tW Wonnra,arr NM FbW Cankmenbar Rewards Nodw baI May 10, 20061 As a vakod Camilmorrtbar, yo'ro et 11 b RwaaNe vahusd up b $470.001 Yatl nssa ad griddy. OwrtllMe orb Sailed. So log an now br des,U wrd b deim your magaakw Rewards valued upb$170.001 www.321mage.oom ewards. Thw* you for your support of AKC. Renumber, AKC wee, as a oenb6ldret arary ibisyou aea yourAKO Vba cud. Pl e, AKC b pleased to warotrue the our Vac owd Ire wwardN If you dam alaady lbw awards on your aoaxmt, ad to 8009 an your card b upgrade A raoebe 1,000 bonus palntsi V6wlhw you are Wclkp Its a new horns or tN rift about Pefinanaft ya yaw bane bwwbtp y iau de available Call! us to today at m 14864964866. N Mara as wt7sot to oradb and property approval. Coddt ae",aore wd WMa9wn nay apply. Od 4 o=Wbnsawy waab of bdWa Wad Skeet Jounal, #a w, , r mod tread awme d vlw - u, , taws and wolyab. After your 4 owapbtwtary waalu,. an add9orl 28 wade (30 In all) will be made wadable to you for #a bur nab ot wily $53.76. 1-60D-480.5743, ands 27JAMM. This Statement Is a Facsimile - Not an original 7[ 000006 FMMM 03 mD N Z a OM Mr P.a.1.13 DDae 1N.01 ==I 04100moswwew101 https://instantimage.bankone.net/Star/action/Print.do?pageNmne=CCStmt&nTotalItems=124TO4... 8/5/2010 Page 21 of 46 Statement for aoow.a nunb«. ON W10 Gene Wil New OWN" Paymwd Do Dab Pad Due MW A ^ $PwwIt , CHASE O $6,769.71 0/126be la ?"?`?Nabeyaur easab bOhw C-e 6srvlees. Amount Endowl IT INsaMOr?p?1.?Y? PtiMOnhdt. ?Y .51" Diu- 4266843066528057800017500008789775192570 eoxzeaawc L.rIILLJIJJIJ.dLrd.L1..ILI,L.dLJ.1...ILdLd 61dEO11 tNq PA 17088.1967 PO BOX?8?3 SERVICE WILMINOTONDE 196!&6163 450001m602131: 20 3 i0 6 5 280 5 78 i1' BYftwMADOW oS19o61o6-0II06M CUUTORMSERVICE Due Dab: 04wr96 1 M *mvn Pained Due: $176.00 Em iol .66 X06 TDD 1.600$$6.6060 Per br phlorre 1-e0a+36•T96e Oubkb U.B. ed o0w 1-902480442W VBAACCOUNTSUM MARY AesekptNumber 1999aat0ep9067i Pwvbus eabnoe $6,661.87 ToW Cm* Urw ACCOUNTNIOWR1Ee $9,000 P.O. Box 16866 Payawrct,CmAw -3$00.00 AvoklobOMdt 3910 Wk&oon DE 196604298 Pudrrw, Cash, Debhb +5661.90 Cash Aooess Lkw . $1,800 New Bdwm -WlW7-7 AvaNOb br Caah $210 PAYMENT ADDPZM P.O. BOX 16166 Wk*Om, DE 19666.6158 VIER US AT. FWAHM CHARIMS D* Pwbdlo Rab Conweponft Avemp Dally Sabi- Fir- CIwp Due Tmnwom FINANCE Cabowv 31 drys h Wde APR To Parbd3 Rsb Fee CHARDE11 Pueheaaa .00000% 0.00% $6,786.62 $0.00 $0.00 $0.00 Qwhadvanow V .0980$% 2&M $0.00 SOHO $0.00 $0.00 Owwwdwwedwalc .00000% 0.00% $1380.00 $0.00 SO.W $0.00 Rw-h..A. 00000% 0.00% 3900.00 Som Som $0.00 ToW finwoe dwups $0.00 Eeso911aAWW PwI W4 Rift (API* CAN% Pbaw w bdon.rdon About Your Awou t wxl9on for baNrme aanlputWon maNod, 9moe period, and o9wr Fnporlent Wom tIon. The CwreporvAM APR Is to wb of bawedyou par when you =M a bdw= on arty Omaeo6on c9b9wy. Ttw Ellison APR rapaewrb Your %W ebnordww - 9robrdrr9 awlaao6wl lw mxh as cash adwnoe wW bebrrae bwwW bee- w pmesd as a pwmntps. IMPORTANT NEMM WhdWW you'd ew b do - M*W" Your n1orWO b get 0" oolh mobs hwo impavmnwee, ewer by • new hor- Co6 Clum and at 1.69666611MIL We oan help w191 ae or your home 61-nabp Mech. AN berla wb)aot b am* and property approvd. E*W Fb ft Lander. NEWT Unlydled bewrlat woeea wah PeopbPC ONMU for wily 3197Anmd1 br 3 n w". Wan jud 39.90r"& WM Vbw p.oboft Pop4Jp Bbdbr, p-n oowlde, Inbwwt Cd vftwQ, end mowl w tow 1-868.5 YNOW. M-19on Orw Code: HEYDAY. Of vhW: www.peoplepo.o-4orboyday. This Statement in a Facsimile - Not an original X OOOOOef mw=03 OW N 2 w Oletee P.p 1 d 3 OOw2 MAMA 32M Ow1000003000321=1 https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&nTotalIterms=l2c' inTo?... 8/5/2010 TRANDACT-K" Trans Amount Dab Rebmm Nund w Merdwd Nome or Tmnssotlm D800400n C" Ddrit Page 25 of 46 Statement for 1aoo - , - number- 428 Rao Smile om CHASE O Nw fbbna Pgmwd Ow Dab Past Da AmoW Mrdm= Payment 81,OW37 O4I260! SDAD $173.00 n (-?blrbysuraltesk bChaee t:aN lsrrloee.ws AmotrdEudoaad is tNwraalat.arMr11 Prlatanbook. ?Y ent 426664106528057800017300008684875205252 i rebsaxzntrc b.BILL.L.LIrrIrrlLrrLlrr.rllJdrrrILJ.Lrdlydlrrl c SERVICE CARDMEMBER Mc PA 17066.4967 PO Box Islas WILMINGTON DE 19822-6163 l: 5000 &GO 281: 20 3 i06 5 280 5 78 ton SYbnrwrt Dab: 04MM - 06x06011 CUSTOMER SERVICE Paynrerd Due Date: am" M U.S. 1490.3064016 MlNrmae PaymwN Due: $17x00 rwe I-M6.4411.220@ TDO 1400.90@.22 I Pay by 0-1.6004311.79611 Ouaelde U.S. al cobat VISA ACCIOIINT SUMMARY AosawA hrwbr: 4 M 64" Gus em 1.300.6046200 PmWgaxaa- $8,722.77 TaldCraft Una $0,000 ES PaymwR CnAb -SFA0.00 AvslsNe CraAl $310 Wil brefn Ea IBM , DE DE 192206222 Pwdrra, Cash, Dabb +8100.10 Cash Monte Une $1,800 Nw Eelarwe --OXF.-f7 AvaYeble fo Cash $310 PAYMENT ADDRE811 P.O.8a 18169 Wllmhgbn, DE 19226.6185 VISIT US AT. TRANSACTIONS Trams AmoLmt DMa Re rwtos Nwubsr MmdmM Name or Trrraolbn Dsaorlptlan Credt Debit *w 7- DELBBLMO VETERINARY CTR DILLSBURG PA 100.10 04121 1111111 PA YOU 200.00 FINANCE CHARM Day ParbAo Rata Coms"Idhg Avaraga Dry Bahnoe Rmum chyle Due Toneaobn MANGE G69oy 30 days h Wde APR To Pedortb Rab Fee CHARGES Puachasae .00000'y 0.00% 86,220.67 $0.00 $0.00 50.00 Cash advuwae V.00@w% 23.74% $0.00 $0.00 $0.00 $O.OD ConverlMw dwdo .00000'76 0.00% $1,220.00 80.01) $0.00 SOAR R' brww .0000096 0.00% $000.00 $D.OD $0.00 50.00 Told flnw a dwgpe $0.00 I ERi OnAM W PWOWAlpRab(APR): 5.00% Plaaw ass brbmulbn Abwd Your Aoowrd socson fa baWns oonpubtkn method, grace pwk4 and other importam kdamalbn. The Cornspare tg APR In No mb a l l MSrMI you pay when you carry a bshnoe an my banao0on cats". The EReabe APR rapassnb yaw told fiosr , drips - buaI I - twtsaolan bee auoh M art s&wm ant balrtoe barWar f"s - expreaaed as a prowWpe. I IMPOUANT NEWS I Fhr rid Only Thnk-You Nobs before J1rly 10, 2006. As a vAnd Canbnenber, youW been hawed a Thw* You up to 8100. CWn your fsvoINK each wilt a low foe d $2.96. Log an br delals and dalm your Thw k You up to 8100 from SynopesConrnot %mw.gl I W.oorWChae. Code 24616 I WMlbr you an bd ft for a rww home or 9enkkrg about rNwbbtp you urnnl aria, Chows IS avel" b help you weu d d you hors Ibe-nkp needs. Call a kdry at t-SSS4SS SW AN bun am rrboot to or*& and popery approval. OMah resblodurn and Ibdlalorn may apply. As a vaW ardlrwnhsr, you ste eligible to room" IrWh *aSty rrwa wdw not wall" b the pnwW pM from top brands such as I&=, Tanks, Olney and moral Just go b www.nwrdanbr.corn and ruby 161322 whore I asks for ym oerNoW reonber. Act now, quwWtlss are Imbed. This Statement Is a Facsimile - Not an o ftinal x omega Rer®b 03 see N 2 05 COMM Pnpe 1 at 3 err MAMA 2Wn2 12E1p00pro0prewapl https://instantimage.bankone.net/Star/action/Print.do?pageName=CCSt nt&nTotalItem!s=124nTo ... 8/5/2010 Page 29 of 46 SUMMInt for 0owumt ntanbe r 4M 8410 B 0678 CHASE O Now BYras Psy w Due Dab Pot Dw AmopM Mkdnan Psym mt $8,084.06 0612608 30.w $17.00 ?-'-??1leasyouraM6k tollaawcrd0ervb66. e}?I AmwntErabwd 1$ INaw.Abr.a?nrll wManhd. ra mrya ? rr/ ru now" Eaft 426684106526057800017300006664065224095 .wmziw c I...111011.61.I1011.16..1.1...r161.6.r16J,6..16.161 WHOM, 7064 PO BOCl1 SERVICE VftMMTON DE 19066.6169 t: 5000 160 281: 203 i06 5 280 5 78 Ir SbYmaat Dab: 061 M-0005" CUwrOvMR BERVIOE Paynwd Due Dab: MYiaso Paymad Duo: 002M In U.B. 1406.6061010 $179.00 Espfiol 1-086446.1606 Own TOO 1-0004060000 Pay by PWs» 1.000.1667960 0111akb U.B. oM c0lsot 1.0040948200 VISA A000 NT SUMMARY AwsOet Hepobr 4206 0410 160 0670 IMM BWnN 1A00A7 TomON&LOW $0,000 P.O. am ism DE 100604296 ;==. Debit +31174.19 Cu* Aoom Lko $1 No NOW Babrtoe Avebrbb for Cash 5996 PAYMONT ADMESS P.O. Boa 15169 W11mi obn, DE 106965153 VISrr US AT. TRANSAMONS Trap Amwst Dab Reeosos Number Mwdwd Name or Tranw*m Dwor0m Clack Dabs 194.19 WM 1111 U 200.0 00 t MECHAN URO PA 40.00 FINANCE MARES D* Parbdo Rae CwmWwtdrq Aver" Day Batalos Fim os Chaps Due Tmnaclbn RNANCE CAN" 91 days b cycle APR To Paolo* Rab Fee CHANCES Purdwan .0aw^ 0.00% $5.02525 $0.00 $D.00 $D.00 Caste adverme V.011673% 2.110% $o.DD $0.00 $0.00 $0.00 Cwwwnwad" ODOM 0.09% S1ASD.00 $0.00 S0.00 9100 sdwm traww .aoooox 0.00% $600.00 SO.DD $0.00 SD.00 TOW Onatoa dmmw $D.OD ON - I Arnow Porn Wg Rae(APR): OAO% Pbeae w kdomwoon Mad Yaw Aoowsd sac0on for baMnce ca pitabon me8od, grave period, and o0wr knpwbnt kdormnOw. TM Cwwepwdig APR in ft we at" ' you pay when you wry a bslemos an any barentot on ceagoy. TM t3eo0vs APR nPbaa . Vow b W Men roe oharpes - kokxbV baruac0on lees such as cash advane and belaoe Mrlster bw - a tIonewd as a perowdepa. NAPORTANT NEWS For a Ondbd 9me, you're WOW b olakrr UP b $100.00 "Go d Vow UMMM, msoaarbee. Rum nw to Tea" an on0m year d seI Ion Praawad by Na vSub Sovbes. Ca by AuOuet 10, 2008 br eslso0arla and aubnwb wrrsval dowle. OuanlNNs are boded. ErW 1.00DMI1292). 916 Thad. you bryour support of AM Remember, AKC moskres a owdrbudon every swe you um your AKC Vbs cod. Plue, AKD is pbawd b arrtaaoe #W our Vies cad for nowardcl It you darn already have lawads on your awouM, ca 20 a008 an yow owd to up$rada d mcahra 1.000 bo u Pdntel As a valwd oerchnember, you are 911011ob b monks M0h- gWly rrwd,-- not ovablbla to dw gerwal P* O* horn top Wade suoh as Lmm, Toils, Disney wW Ox dust go to www.wwadsoslW.Nm sd aft 192701 vlamv It asks for your owlBoae number. Ad row, guenNso are I h . This Staternent Is a Pacslmile - Not an original X 000w0/ F788 =03 0u' N Z 05 MUM Pp 1 01 a case MAMA 49667 156100000aDD4w6Tp1 https://instantimage.bankone.netIStar/actionIPrint.do?pageName=CCStmt&nTotalItems=124nTot?... 8/5/2010 Page 33 of 46 statement for aoomrlt nulaw. an 0410 sm 0674 1181.110. Prima t Ow Dab Pal Mw Nwwd Mbbaae Payment New CHASE O 66,97275 O726106 $DAO $178.OD lawyaw eMek orMNb p°aa Gna eerleaa. Arrant Endoaad ,5 ?w. dbeee ar•miY Prtia on 6sk. 426684106528057800017800008422785239854 an1>;+rac ?cY 1...111.1..1..1.1..1..11...1.1....11.1.1...11..1.1...11..11..1 SERM k?DWW A 17066.1987 PO BOO %161W E WILMINOTON DE 19666.6169 1: 5000 160 281: 203 106S 280 5 713 1118 Sh anwtDab: 0SVM-07MM CUSTOM 9ERYICE Paynaa+t Ow Deb: 07MM In U.S. 1-6664064016 MYrkaan Payment Due: $176.00 EewMd I an 4081106 1 Pry by gtwrr .600.456.7966 owe. u.s. 116 1181601 tao2.6M -M Vl$A AepwA*Nwabw. 4=0416Mt16 WM Pne.lala BWwe $6,681.06 Totslcwdt Lire $9.000 P s P6296 1966 P1aolrw,, Cash, Oet4b +1618.72 Cash Aoow Lkw $1,800 NOW 11111111106 AnA" br Cash $TT ?AYMMINT ADDRE58 P.O. Bar 16169 W6mkgbn, DE 196666165 VISIT D8 AT. FINANCE CNAROEa D* Pub4o Rab Corm" rdbp Avereps Daly Belsnca RM= CMrya Due Trarwaobn FINANCE Cewpory SDdeysinwde APR ToWdodoPab Fee CHAR098 Pudlew .00000% MOM $5,05226 50.00 SO.0D $0.00 Cash edwioee V.0111142% 2424% $0.00 $0.00 $0.00 80.00 0.... lene Otnsck .00000% 0.00% St.#W.OD $0.00 $0.00 $D.00 RW-b-der .000001A 0.00% $900.00 $o.OD $D.OD $D.00 ToW 6narwe oMryee $0.00 EMkwMveAmid Proaarlly-Rob(AM* 6.119% Pber w hoormw Abad Your Aoodmt 611011011 for bebrwa oarpu"M mMhod. 9nece period, and other Imporbm kdomwdon. TMCwwapor.deV APR Is the mw of knMat you pay when you owq a Mori= on arty bwwsodon oebgory. The ERsa9.a APR wp+ase . yourbbl Rwr10e dwgaa - bobrdrl8 barwoolon bas such as orh a&verw and bWwm weirder (ea - opmesed as a peroart1w. NAPORMIT NEWS LRGENT: An a vWuW aa.drnwnbsr, dskn yow TMd. You of a fa• yw o(S ew0szkwa, worlhup b 5100.00. L1 1- tbw OW101M b obbn vow The* You of up to $100.00 Prooassed 6y NewSVb 8enbaa aid for I I 1 .1,1100-841-3425,41.10 This statement Is a Facsimile - Not an original XWWW1 FM=MCa wo N Z a cow= Py.1da 00082 MAMA MM 1161.0000a000.6g001 https://iwtmtimage.bankone.net/Star/action/Print.do?pageName=CCStmt&nTotalItems=124nTot?... 8/5/2010 TRAMBACTIOM Trees Ode Rebwnoa Nuabw Mwhr+t Name or Trwvaolbn Daewlpson Crsdt Deb" Page 37 of 46 Statement fm aoooull nwnba?: 44$$ 8410 UM OM CHASE O NM BYNa Pgnrtt Dw Dab Pad Ow AnwM Mnhreen Payment 014MIM 1?^OS?llaic?i6 BD.oo??y? $1efiCad - .0) ArnwtEnobwd !t I= =inh RM b .90-001L. will" 011% 426684106526057800016600008422785255456 mismazomc brJlLLdrddlJldLrdrL1..ILLL1dLddrnillrlirll E N CARDMEMBER SERVICE PO Box 15153 WILMINGTON DE ISIMS 5166 1:5000 160 281: 203 106 5 280578 &P Suamord Dots: 0701!116 - 06!0806 CUSTOMER SUMCE Pryrrwa Due Dab: Od25" In U.S. 1.6664106J01e MWrwanPayNrertOw s166.00 EspsW 12664164= TOO I"000"66sa66D Pay by 0- 1.6001967166 Outekb U.S. oa6 cO6aot VISA ACCOUNT SUMMARY Aoosunt Number. 4266 MO Still DIPS 1.9026646200 Pawiora Babnos 8!412.76 Tool On* Line so,000 PA.O. B"I IINOINRIES PaymNLCwft -960040 AvWtilaCf*0 $5" WyfOm,DEiSSW6286 Nsw Sdan N Cash Aoosas line 51400 Avakbb for Cash $6n PAYMENT ADDRIN P.O. BOX 16169 W*Mngbn, DE 19966.6169 NWT US AT: Trans ?johiummorwhoFedhomb TRANSACTIONS Amount Dab Rdwe os Nurdaw Mwo wd Nwro or Tremwtlon Description Orem DsW 1 PAYFA34T - THANK YOU .00 FINANCE CHARGES D* Poo Rob ConsWonft AVWW Dady Sabroe Finance CMw Due Twwsclon FINANCE Comm 91 drys In ovals APR To Pedodb Rab Fee CHARON Purchr .00000% 0.00% $6.60.29 $0.OD $OAO $D.00 Cuh adva ow V .06112% 21.24% $0.00 $0.00 $0.00 $D.W Oamwdeom drop .00000% 0.00% $1,610.00 $0.00 $0.00 SHOD Babnoe hwlder .00000% 0.00% $100.00 $0.00 $0.00 $D.00 Told finsmos, dwgo $0.00 01680M AN" ParewAgs Rab (API): 416% Plnes w hdw oft About Your Aooowa orlon Ior babrloe oanpsaWn nrstiod, grow period, and of w Important biwmalon. The Carespond ng APR b 6r mass of Inbred you pay when you cony a balks, on any transaction catagW. The E%dWe APR opww a yaw Md Ihwws oharoas- kwhKkV twom0lbn bas a1d1 o each Wvarrce and balks hwwW bo - expressed as a psrcerds0e. IMPORTANT NEWS PLEASE NOTE THAT YOUR PAYMENT DUE DATE MAY HAVE CHANGED AND MAY VARY EACH MONTH. ALWAYS VERIFY YOUR PAYMENT DUE DATE TO FEKKMT A DUE DATE CHANGE, CALL CUSTOMER SERVICE YOU CAN ALWAYS PAY BY ACCOSM OUR WEBSTTE DISPLAYED ON TKS STATEMENT OR BY CALLING 600196-760. FIsI No6os: Loo on 1 1, Oobobw 16, 20061 As a vahrd Card ember, yau'w ar16ad b a Thonk You vskad up b $110.00 km NwxSub Swviow You must as qW ft. Otwirfuo as Sdbd. So log an for detals and yaw naosrtas now. www.myboraaosrdw.aoNalao. SWB Waded about fbhro vNwlwy aafa and what yw omM asord 6 your psth ed a a wim aookarX a !firms? CaMaW tie AMC PN HrI6ma PIN at www.akq*W.com or a6 1.666.7263747 (grab ads ISNI) for a hse aa.. , on how b oat tie probaYen your pat deswes. This Statement Is a Facsimile - Not an original X amour R8=w c 3 000 N 2 a 0000ep Pryr 1 01 00082 MAMA M13 21$MO 0000aN1301 https://instantimage.bankone.net/StarlactionIPrint.do?pageName=CCStmt&nTotalItems= l 2&hTo4... 8/5/2010 Page 39 of 46 Sbftff Mgt tar wwuitt nwnba?: 4100 8410 Sell MM NwBalwee PawneeeDwDb PentDwAmounNnax Payment $70.04 OB6Y4C8 8D.01) $188.00 CHASE O Amount Enclosed ?? dMraai?az1 RM mnbook wa erMw. 426684106526057600016600006328040000000 c wczaoyy ap rp +?ey SKY L..IIId.d?JJ.d?JL?d.1...dId.L.dLdd..JLdl.d ? p 6 ? ? g IrECPI?9UR( p i PA 17066888'7 CARDAAEkWER SERVICE PO Box MISS WIU INOTON DE 198118.6169 4 5000 1,60 281: 203 &06 5 280 5 76 Ir BYNmantOft: OM7M-0000060011 WsTOWISERVICE Pa ment D e Dal OWUM y : u In U.B. 14NO4 061010 MYS P t D $186 00 mm aymen ue: . Espalbl 1.0110418 3- TOO 1-BmN9868080 Pay by Phone 1-800-488.2908 OubWo U.it ad Sabot VISA ACOOLINTSUNW IARY AseawlNtaabw:4211118810MM05M 1.702-894,11200 Pr,Aoue Balwrr SBAM78 T01Y CM& Una $Y O00 e10111NEs PayrnwM, Cade 4200.00 1101911 **Wk w Cara X71 P.O. Bob DE 198606288 DE Puahaw, Cash, Debit +$106428 n . QMh Aooer Una $1,0W New Babmne Sk"sW Available for Cash $671 PAYMENT ADOREBB P.O. Box 1616$ Wbwrgbn, DE 19886.6167 VISIT Its AT: Trans Amount Dab Rebwrwe Meter Merchant Name or Transaction Dssoriplkn cram Debit RNANCE CHAFR Ea Rnwwe Charge Day PWlodb Rab Corrwp. Average Day Balurae Due To Tra anotlon Aodamrsbd FWANCE Cab" 71 dalp M Wale APR Parbdo Rate Fes Fin Charge CNAW' Fwdwee .00000!6 0.00% $6,47722 $0.00 $0.00 80.00 $100 Cash edvarms V .00012% 2424% $D.00 $0.00 SMOD $0.00 $0.00 Corwwiwga deck .00009% 0.00% $1,99D.00 $0.00 $D.00 $0.011 $0.00 Babree transfer .00000% OAM $900.00 $0.00 $0.00 $D.m $0.00 Total 6wm charges $0.00 NleelMAreW Per wilspRob(APOW. Lam Pbaee ass Irdw dares About Yam Aaaou t Godon for bWwm oompulstlan nond, 9reoe psdod, and cow Important kdormoon. The CwmWmft APR be to rate of I , you pay when you oany a balerve an any TM EOaAPR mrpeawMa Your WW Ilwae charges -1 I I g bareaotl. bas trwsotlm ntegay. such as oaeh adMM NW bWwm terebr foes - expreeead as a paroanap. IN POWANr MEWS An a Valued Cardmember, yoyre wOW to cbkn a Thenk You woo up to $100.00. Reply by lofla= br an entire yaw of your bvarlte rrrageW- Isooeeaed by 8yn*- Cameos Cal 1-00042741M or b0 on to www.pBbndl00.oom0Cheas for aulomalo renews! debts end to a I your favcrtlr. NEWT IlrrI I IIdtrrrataccess wtihPwpW-COnline for OnitrS hnorMhbrg wiWa,BenJretl?.96lmoWm. Wtih Vlne Pmabdon, PbWUp Wookw, Span 0--role, hdemet Cd VVSM and morelOd lodayl 1-877.7761210. McNbn OBw Codes HEYDAYS, Or vbt www.peofopo.ow pdhegMcyB. Whair w yorfd ee b do - relinar your moripaye b yet axle onah, malls home lmprovemer wen buy a new hones; Cal Cher IM at 14004 M MM. We can help w2h d you home Brraelrg reds. AN bane, su6Jeot b ore& end pmopwV approval. Equal Housing Lender. This Statement Is a Facsimile - Not an original x 00WO02 R83=603 000 N 2 05 Oeaaae p".1.13 Ocwe MAMA OesMr ee1 00c009a00,Pppt https://instantimage-bankone-net/Star/action/Print.do?pageName=CCStmt&nTotalItems=l2&? Tot ... 8/5/2010 Page 43 of 46 Statement fort mm nlasrbar: 45SS 8410 ONG 06M CHASE Q Now Odom PayrrwS Do Dab Paw Dw An wim Mk*mw Paym" S8,W&W 10"28108 50.00 $170.0D rr??--?? siMyeur aasek bchu cam SSwlOSw Am A t ftbod C?14w aa6ss?r Mr?t NM m eaok. 426684106528057800017000008538860000002 aapppa'ppp?'u1?m,?zvmc I...111111.I.11.1..1..II.1.1.1.1111111.1...11..1.1...11.111..1 61i PAf9 PA 170.. PO I80G/1R 49 89RVICE Fi?1N WVANGTON DE 19088.6153 1:5000160 281: 203 L065 2130 5 78 L1' BblunuAOab: 0810608.10f M CUSTOMMSEIME Payrrwa Due Dab: 1WAM I. U.S. 14868064016 Mkimsn Payment Due : 5170.00 Esp&M 1.886418.8808 TOO 14004668060 Pay by vha»,-eao-u67s88 4188. u.8. ar 008wt ,aD2.694.e2DD VISA ACCOWT SUMMARY Aa04tattNUte w 4ZM8p9OSSt1trla Pmvbus Bstsroo 58,3x8.04 Told OWN Lkw AM WOUNNES 59,000 P M* Paymra,CMAB -SM0.00 AvaWAn OVUM 5161 WWWWW,DE,98 D4M pwdmaw, 020, Debb •S41OA2 Cash Aoowa Urm 51,300 Naw Salulos .,8p Avabbb,or Cash S46, PAYMENT ADDRESS P.O. Bca 15153 W*rlsVW, DE 19066153 NOT US AT: Ulu FINANCE CHARGES Fkla" Charps Day pa.btb Rob Owraap. Avrpe Daly BWroe Dus To Tmwaoftn Aowa ximbd FIANCE 0019M 3D dote b wy AM Pei Role Fee Fin CMW CHANGES purdrooo .00000% 0.00% $8,667.17 50.00 $0.00 $0.00 50.00 Cash advaroas V .0004M 2424% SDAD SD.OD $0.00 $0.00 $0.00 Corwriuloo ohs* A0000X 0.00% 57,98D.0D $0.00 $0.00 $0.00 $0.00 Ilaillaa haw"s" 0000096 OAO% 5800.00 $D.00 $0.00 $0.00 SD.00 Tow Smoos dor0w $0.00 NbotlraAmWPao~ Rob(AM OAM Plows see IrAxwm6oe About row AaccW wo11 br barbs oornpulotlon me trod, 9mm Prod, and 06er blporWlt bbn+otlon. TM CwsWwdW APR in Sr mb d krbrer you poy when you carry a Mlw- on any bumac5m cabgwy. The OMmAw APR mpleserm yourbW falroa oharyas - YdIdYV barraoSon bse auoh as cuh adwnoa and balms wwwOw boa - s:?rwwd w a peroentap. IMPQUM NEWS VA1Wvr y0utd Sm b do - r*W" YOW morlpepe b 9r ssbo amm, "Iola mm wwwverrwds, even buy a now home; Cal Chess OW at 14954354MS. Via con hslp vem W yourhwro Swob rram& Al bow &tied b Oro& wW p owv approval. ErW a buak+D L-W. Thank you br your supW of AKC. Remenlbw, AKC moolvea a omwb~ avey *m you use Your AIOC 1108 card. PIw, ARC is phased b rsbwba Sot our Via Ord has mwamal 0 you dmi aksady have mwelds on your aaaourd, cal go 5008 an your card b upyrada 8 moelve 100 bash poftl Erggt bur wsb mM, 84838! dim and a deoourA bo when you use your CMadFbdz CDP# 374210 et heft-00m. This Statement Is a Facsimile - Not an original Xawaml rasaua C9 = N z ae wnaee pp. 1.19 00062 NA\NQlrea s2alooos.eeos.¢,rol hops://instmtimage.bankone.net/Star/action/Print.do?pageName=CCStmt&nTotalItems= l 2&#Tot4.. 8/5/2010 Tmrm Anourlt Dow FAkf ws NN.Iber Vmdwa Nuns a Transacdw Deaw"m Ctea D" Statement for account number: 4266 8410 6528 0578 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $8,776.24 11/30/06 $0.00 $175.00 ? Make your check payable to Chase Card Services. Amount Endosed 1$] New address or a-mail? Print on back. 426684106528057800017500008776240000001 374x7 BDk Z 30708 C 1/11111/I11?1IIIIIII /I11111? II/II I1111/I/II III II/ll Illll Bill I DONALD N SWIDERSKY 611 PARK HILLS DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4967 PO BOX 15153 WILMINGTON DE 19886-5153 4 5000 L 60 287: 20 3 10 6 5 280 5 78 Llla WL Statement Date: 10/06/06 -11/05106 CUSTOMER SERVICE /41NIE KM A Payment Due Date: 11/30/06 In U.S. 1-888-305.4016 KENNU CLUE Minimum Payment Due: $175.00 Espanol 14688446-33308 TDD 1-800-955.8ow Pay by phone 1-800.436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number. 4266 8410 6526 0878 ACCOUNT INQUIRIES Previous Balance $8,538.86 Total Credit Lim $9,000 Box ism Payment, Credits -$200.00 Available Credit ington, DE $223 Wirim DE 19850 5298 Purchases. Cash, Debits +$437.38 Cash Access Line $1,800 New Balance 58,776.24 Available for Cash $223 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase. com/creditcards TRANSACTIONS FINANCE CHARGES Finance Charge Daly Periodic Rate Corresp. Ave" Daily Balance Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases .00000% 0.00% $5,760.35 $0.00 $0.00 $0.00 $0.00 Cash advances V.08642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check .00000% 0.00% $1,960.00 $0.00 $0.00 $0.00 $0.00 Balance transfer 00000% 0.00% $900.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $0.00 Ef milve Annual Percentage Rate (APR): 0.00% Please we Inforn ation About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - Including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS PLEASE NOTE THAT YOUR PAYMENT DUE DATE HAS CHANGED, EFFECTIVE THIS MONTH. TO SELECT A PAYMENT DUE DATE THAT WORKS BEST FOR YOU, YOU CAN ACCESS OUR WESSITE DISPLAYED ON THIS STATEMENT, OR CALL US AT 1-800436-7958. This Statement is a Facsimile - Not an original X 0000004 FISM335 C 3 000 N Z 05 =11105 Pale 1 d 1 00092 MAMA 37417 30910000030003741701 Trans Amount Dabs Reference Number Merchant Name or Transaction Description Credit Debit Statement for account number: 4266 8410 6528 0578 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $6,757.20 12/30/06 $0.00 $175.00 ? Mob your chock pgabie to Chats Card Services. Amount Enclosed 1$ New addressor o-maE? Print on back. 426684106528057800017500008757200000006 3163a BFX Z 33906 C 11111111111111111 i 1111111111'1111111111111111/111111111111111 DONALD N SWIDERSKY 611 PARK HILLS DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4967 PO BOX 15153 WILMINGTON DE 19886-5153 4 5000 160 281: 20 3 10 6 5 280 5 78 ills Statement Date: 11!06106 -12105!08 CUSTOMER SERVICE A N ' Payment Due Date: 12/30/06 In U.S. 1-888-305-4016 KENNEL U8 Minimum Payment Due: $175.00 E ailol 1-888.446-3306 TDD 1-800-965-M Pay by phone 14MA36-7956 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 42618410 6528 0578 COUNT INQUIRIES Previous Balance $8,776.24 Total Credit Line $9,000 Box 15298 Payment, Credits 5200.00 Available Credit $242 Wilmington, DE 19850.5298 igton, DE Purchases, Cash, Debits +$180.96 Cash Access Line $1,800 New Baler" ,757.20 Available for Cash $242 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19866-5153 VISIT US AT: www.chase.comtcreditards TRANSACTIONS FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases 00000% 0.00% $5,979.47 $0.00 $0.00 $0.00 $0.00 Cash advances V.06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check 100000% 0.00% $1,960.00 $0.00 $0.00 $0.00 $0.00 Balance transfer .00000% 0.00% $90040 $0.00 $0.00 $0.00 $0.00 Total finance charges $0.00 E1fectWe Annual Percentage Rate (APR): 0.00% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total fmance charges - Including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. 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Visit the AKC Online Store today: www.akcstore.org This Statement is a Facsimile - Not an original X 0000001 FIS33335 C 3 000 N Z 05 M12MS Page 1 Of 1 OOO82 MA MA 31638 33910000030OD3163901 Trans Amount Dane Reference Number Merchant Name or Transaction Description Credit Debit Statement for account number: 4266 8410 6528 0578 New Balance Payment Due Date Past Due Amount Minimum Payment $8,780.31 01/30/07 $0.00 $175.00 Make w your ara-magag? PrPrint on chase Cerd SeMces. Amount Enclosed back. 1 $ Ne CHASE O Tax time is here. Make you ' t For BB visit card. For dB www.chasepayyourtaxes.com. 426684106528057800017500008780310000008 46269 SEX Z 507 C DONALD N SWIDERSKY 611 PARK HILLS DR MECHANICSBURG PA 17055-4967 Irrrlllrlrrlrrlrlrrlrrllrrrlrirrrrlirirlrrrllrrlrlrrrllrrilrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 198865153 45000 L 60 284 20 3 L0 6 5 28 0 5 78 1116 Openir closing Date: 12/06/06 - 01!05107 CUSTOMER SERVICE AMEMAN Payment Due Date: 01!30!07 In U.S. 1-888-305-0016 • KEPNNEI UIr Minimum Payment Due: $175.00 Espanol 1-888-4446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594.8200 VISA ACCOUNT SUMMARY Account Number. 4286 8410 6528 0578 Previous Balance $8,757.20 Total Credit Line ' ACCOUNT $9.000 P.O. Box 15298 INQUIRIES Payment, Credits -$200.00 Available Credit $219 Wilmington, DE 19850-5298 Wilmingtonn, DE Purchases, Cash, Debits +$223.11 Cash Access Line $1,800 New Balance 9,780.31 Available for Cash $219 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/aeditcards TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 12!151 71411 414 Payment Thank You Electronic Chk 200.00 12119 18222288332 SCHOENEMAN MECHANICSBURG MECHANICSBURG PA 211.89 12119 24445006354676928844589 DOLLAR-GENERAL #9278 MECHANICSBURG PA 11.22 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases .00000% 0.00% $5,884.81 $0.00 $0.00 $0.00 $0.00 Cash advances V .06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check .00000% 0.00% $1,960.00 $0.00 $0.00 $0.00 $0.00 Balance transfer .00000% 0.00% $900.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $0.00 Effective Annual Percentage Rate (APR): 0.00% Please see information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges -including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NMS New Year, New Toy$, New Books, New Treats. Visit the AKC Online Store today: www.akcstore.org NEW! Unlimited Internet access with PeoplePC Online for only $4.97/month for 3 months, then just $9.95/month. With Virus Protection, Pop-Up Blocker, span controls, Internet Call Waiting, and morel Call today! 1-888-5TRYNOW. Mention Offer Code: HANA. Or visit: www.peoplopc.com/go/hana Why pay a higher rate with other cards, when you may be able to consolidate your balances and save on interest at the same time? Please call the Balance Transfer Hotline at 1-800-945-2014 to see if you qualify today! Did you know you can use your credit card to access cash whenever and wherever you need it? All you need is your PIN (Personal Identification Number) and an ATM. Just cal! 1-800-297-4970 to create your PIN today. This Statement is a Facsimile - Not an original X 0000001 Fl$33335 C 3 000 N Z 05 07/01!05 P"0 1 al 00082 MAMA 46269 0051000W3000402M01 Statement for account number: 4266 8410 6528 0578 New Balance Payment Due Date Past Due Amount Minimum Payment $8,767.85 03/02/07 $0.00 $175.00 Make your check payable to Chase Card Services. Amount Enclosed j $ New address or e•ma97 Print on back. 426684106528057800017500008767850000004 CHASE O Tax time is here. Make your pa t your Chase . F istls visit www.chasepayyourtaxes.com. 20575 BEx Z 03807 C 1...II1.1..1..1.1..1..1I...loll ...ll.l.l...Il..l.l...ll..ll.. DONALD N SWIDERSKY 611 PARK HILLS DR CARDMEMBER SERVICE MECHANICSBURG PA 17055.4967 PO BOX 15153 WILMINGTON DE 198865153 1:50001,602131: 20 3 1,0 6 5 280 5 78 1,!ta Openir40osing Date: WL 01/06107 - 02105107 CUSTOMER SERVICE /1WJUCM Payment Due Date: A 03/02107 In U.S. 1-888-305-4016 • KENNEL CLuir Minimum Payment Due: $175.00 EspaAol 1-888446-3308 TDD 1-800-955-8060 Pay by phone 14800-436-7958 Outside U.S. call collect 1-302-594.8200 VISA ACCOUNT SUMMARY Account Number: 4266 $410 6528 0578 ACCOUNT INQUIRIES Previous Balance $8,780.31 Total Credit Line Box 15298 $9,000 P.O. Payment, Credits -5200.00 Available Credit ilmingtonn, , DE 5232 Wilmington, DE 19850 5298 Purchases, Cash, Debits +$127.44 Cash Access Line $1,800 Finance Charges +$60.10 Available for Cash $232 PAYMENT ADDRESS New Balance $8,767.85 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT, www.chase.coMcreditcards TRANSACTIONS FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases .02189% 7.99% $5.985.54 $40.62 $0.00 $0.00 $40.62 Cash advances V .06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check .02169% 7.99% $1,966.44 $13.35 $0.00 $0.00 $13.35 Balance transfer .02189% 7.99% $902.95 $6.13 $0.00 $0.00 $6.13 Total finance charges $60.10 Efeatiw Annual Percentage Rate (APR): 7.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Enjoy low web rates, special offers and a discount too when you use your Chase/Hertz discount code CDP# 374210 at hetz.com. New Year, New Toys, New Books, New Treats. Visit the AKC Online Store today: www.akcstore.org EXCLUSIVE OFFER! Get all 40 Uncirculated Statehood quarters from 1999-2006 for just $19.95. You'll SAVE 69% off regular prices! Hurry - this offer ends on March 31, 2007! To order now, go to: LittletonCoin.com/Ouarters Why pay a higher rate with other cards, when you may be able to consolidate your balances and save on interest at the same tine? Please call the Balance Transfer Hotline at 1-800-945-2014 to see if you qualify today! This Statement is a Facsimile - Not an original X 0000001 FIS33335 C 3 000 N Z 05 07/02(05 page 1 of 1 00062 MA MA 20675 03810000030002067501 Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit Statement for account number: 4266 8410 6528 0578 New Balance Payment Due Date Past Due Amount Minimum Payment $8,702.46 03130/07 $0.00 $174.00 Make your check payable to Chase Card Services. Amount Enclosed $ New address or o-mail? Print on back. CHASE O Tax time is here. Make your t your Chase ,.= ?es? t www.chawe.Fo ayyou 426684106526057800017400008702460000009 19409 BEx Z 05407 C DONNA N SWIDERSKY 611 PARK HILLS DR MECHANICSBURG PA 17055-4967 Irrrlllrlrrlrrl,Irrirrllrrrirlr.rrlirlrlrr,llrrl,irrrllrrllrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 C 5000 160 281: 20 3 i06 5 280 5 78 liia OpeninglCbsing Date: 02106107 - 03105107 CUSTOMER SERVICE AMERICAN Payment Due Date: 03/30/07 In U.S. 1-888-305-4016 KENNEL CLUB Minimum Payment Due: $174.00 Espaelol 1-888446-3308 TDD 1-800-955.8060 Pay by phone 1-800-436-7958 Outside U.S. call tolled 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 4280 $410 8528 0578 ACCOUNT INOWF41ES Previous Balance $8,767.85 Total Credit Like P.O. Box 15298 $9-000 Payment, Credits -$2110.00 Available Credit $297 Wilmington, DE 19850 5298 Purchases, Cash, Debits +$80.75 Cash Access Line $1,800 Finance Charges +$53.86 Available for Cash $297 PAYMENT ADDRESS New Balance $8,702.46 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards TRANSACTIONS FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 28 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases .02189% 7.99% $5,900.93 $36.17 $0.00 $0.00 $36.17 Cash advances V .06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check .02189% 7.99% $1,976.31 $12.12 $0.00 $O.DO $12.12 Balance transfer .02189% 7.99% $907.49 $5.57 $0.00 $0.00 $5.57 Total finance charges $53.86 Effective Annual Percentage Rate (APR): 7.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS NOTICE: We are replacing the Two-Cycle Average Daily Balance Method (compute interest on previous and current cycle purchase balances) with the Average Daily Balance including new purchases Method (purchases daily balance times purchases daily rate each day only in the current cycle). Selections are approved and ready to ship! As a Chase Cardmember, you can select high-quality merchandise not available to the general public. Brands such as Lenox, Gund and many more! Just go to www.rewardconter.com and type in certificate number 169243 and make your selections now! This Statement is a Facsimile - Not an original X 0000001 FIS33335 C 3 000 N Z 05 07x13015 Page 1 d 1 00082 MA MA 1909 06410000030001940901 Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debi Statement for account number: 4266 8410 6523 0575 New Balance Payment Due Date Past Due Amount Minimum Payment $8,854.87 04/25/07 $0.00 $177.00 I? Make your chedr payable to Chase Card 3"ces. Amount Enclosed New address or e-mail? Print on back. CHASE O 1Pant Protector P1att?l I h "yme may ?t eeen loo Soifer n s ae 426684106528057800017700008854875381574 20719 BEX Z 09507 C 611 PARK H LLS DRSKY MECHANICSBURG PA 17055-4967 IAAAIIIAIAAIrAlA1,A1A.IIAAAIAIAAAAIIAIAIAAAIIAAIAIAAAIIAAIIAAI CARDMEMSER SERVICE PO BOX 15153 WILMINGTON DE 198865153 1: 5000 i 60 281: 20 3 10 6 5 280 5 78 ills Openingiclosing Date: WL 03106107 - 04105/07 CUSTOMER SERVICE AWAWCAAN Payment Due Date: A 04/25/07 In U.S. 1-868-305-4016 WE KENNEL(.Luir Minmum Payment Due: $177.00 E afiol 1-888448-3308 ' TDD 1-800-9558080 Pay by phone 1-800436-7958 Outside U.S. call collect 1-302-594$200 VISA ACCOUNT SUMMARY Account Number: 4266 8410 8528 0578 ACCOUNT INQUIRIES Previous Balance $8,702.46 Total Credit Line $9,000 P.O. Box 15298 Payment, Credits -$200.00 Available Credit $145 Wilmington, DE 19850-5298 Purchases, Cash, Debits +$292.07 Cash Access Line $1,800 Finance Charges +$60.34 Available for Cash $145 PAYMENT ADDRESS New Balance $8,854.87 P.O. Box 15153 Wilmington, DE 198865153 VISIT US AT: www chase.comicreditcards TRANSACTIONS FINANCE CHARGES Finance Charge Daily Periodic Rate Comasp. Average Dairy Balance Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Periodic Rate Fee Fn Charge CHARGES Purchases .02189% 7.99% $6,007.95 $40.77 $0.00 $0.00 $40.77 Cash advances V.06642% 24.24% $0.00 $0.00 $0.00 $0A0 $0.00 Convenience check .02189% 7.99% $1,975.47 $13.41 $0.00 $0.00 $13.41 Balance transfer .02189% 7.99% $907.10 $616 $0.00 $0.00 $616 Total finance charges $60.34 Efecthre Annual Percentage Raft (APR): 7,99% Please See Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS PLEASE NOTE THAT YOUR PAYMENT DUE DATE HAS CHANGED AND IS EARLIER THAN IN PREVIOUS MONTHS. TO SELECT A PAYMENT DUE DATE THAT WORKS BEST FOR YOU, PLEASE CALL CUSTOMER SERVICE. TO PAY THE AMOUNT DUE, YOU CAN ACCESS OUR WEBSITE DISPLAYED ON THIS STATEMENT OR CALL 1-800436-7958. This Statement is a Facsimile - Not an original X 0000001 FIS33335 C 3 000 N Z 05 07MAIM5 Page 10( 1 00062 MAMA 20719 09510000030002071901 Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit Statement for account number: 4266 8410 6528 0578 New Balance Payment Due Date Past Due Amount Minimum Payment $8,806.14 0525107 $0.00 $176.00 ? Make your check payable to Chase Card Services. Amount Enclosed l I $ ? New address or a-mats? Print on back. CHASE O P aeymant Proms oPll I have read the enclosed offer and may cancel any time. n s e 426684106528057800017600008806145400468 64417 OU Z 12507 C 611?PARRK HILLLL.S DRRSKY MECHANICSBURG PA 17055-4967 I...III.I..1..I.I..I..II...I.I....ll.l.l...ll..l.l...ll..l I..I 1...III..dI1...d.L.l.l..l..lld...lL.L.d...IL..ILLdI CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 I: 5000 L 60 281: 20 3 LO 6 5 280 5 78 Llla Opening/Closing Date: 04108107 - 05105107 CUSTOMER SERVICE AMERICAN Payment Due Date: 0525107 In U.S. 1-888-305-4016 • KENNELCUff Minimum Payment Due: $176.00 Espafiol 1-888-446-3308 ~" TDD 1-800-955.8080 Pay by phone 14800436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number. 4286 8410 6648 0578 ACCOUNT INQUIRIES Previous Balance $8,854.87 Total Credit Line $9•000 P.O. Box 15298 Payment, Credits 4200.00 Avaiable Credit $193 Wilmington, DE 19850-5298 Purchases, Cash, Debits +$93.01 Cash Access Line $1,800 Finance Charges +$58.26 Available for Cash $193 PAYMENT ADDRESS New Balance $8,806.14 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/craditcards TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 04112 1043 1 GIANT FOOD TORE #120 MECHANIC URG PA 1.01 04125 1 J 151 16273DWSBI 100006 PAYMENT - THANK YOU 200.00 0426 24610437117004131238402 GIANT FOOD STORES #120 MECHANICS BURG PA 32.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases .02189% 7.99% $5,987.69 $39.33 $0.00 $0.00 $39.33 Cash advances V.06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check .02189% 7.99% $1,974.76 $12.97 $0.00 $0.00 $12.97 Balance transfer .02189% 7.99% $906.78 $5.96 $0.00 $0.00 $5.96 Total finance charges $58.26 Etlecthre Annual Percentage Raft (APR): 7.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Enjoy low web rates, special offers and a discount too when you identify yourself as a Chase Cardmember by using this code: CDP# 374210 at hertz.com. Save on appliances, MP3 Players, toys, and more at Shoppers Advantage. Earn cash-back rewards on eligible purchases in addition to the low prices. Get details at www. Shoppers Advantage.com/Chase, where you11 be identified as a Chase Cardmember eligible for this special Trilagiant offer. Visit the AKC Online Store (www.skestore.org) for a huge selection of books, clothing and gift items for your breed. Worried about rising wet costs and what you could afford if your pet had a serious accident or illness? Contact the AKC Pet Healthcare Ran at www.akcphp.com or 1.866.725.2747, identify yourself as a Chase Cartmember (Quote Code 1 S001), & get a free estimate on the protection your pet deserves. This Statement is a Facsimile - Not an original X 0000001 FIS33335 C 3 000 N Z 05 07/05/05 Pape 1 d 1 00062 MAMA 64477 12410000030006447701 Statement for account number: 4266 8410 6528 0578 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $9,011.30 06/25/07 $0.00 $191.30 able to 1$ New your check or e-ma l? Print on e Card SerWWws. Amount Enclosed back. 426684106528057800019130009011300000000 21176 SEX2,5601C IIIJr.l.rlhloll. hl1111lrlunll1Ll1gills loll ,rlirhllul DONALD N SWIDERSKY 611 PARK HILLS DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4967 PO BOX 15153 WILMINGTON DE 19888-5153 LhrllLhhlllhhhJhLrIhL,Ldl,Irrdlehlhrdhrrllh.ellJrhll 1:5000 1,60 281: 203 1,065 280578111• OpeninglClosing Date: 05106107 - 06105/07 CUSTOMER SERVICE AMERICAN Payment Due Date: 06 25/07 In U.S. 1-888-305-4016 KENNEL CLUB' Minimum Payment Due: $191.30 Espashol 1-888-4446-3308 TDD 1.800-955.8060 Pay by phone 14MO.436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 4266 8410 6528 0578 ACCOUNT INQUIRIES Previous Baler" $8,806.14 Total Credit Line $9,000 Box 15298 Payment, Credits 3200.00 Available Credit $0 Wilmington, DE DE 19850-5298 t Purchases, Cash, Debits +$343.93 Cash Access Line $1,800 Finance Charges +$6123 Available for Cash $0 PAYMENT ADDRESS New Balance $9,011.30 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards TRANSACTIONS FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases .02189% 7.99% $6,141.77 $41.68 $0.00 $0.00 $41.68 Cash advances V.06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check .02189% 7.99% $1,974.00 $13.40 $0.00 $0.00 $13.40 Balance transfer .02189% 7.99% $906.43 $6.15 $0.00 $0.00 $6.15 Total finance charges $61.23 Effective Annual Percentage Rate (APR): 7.89% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X 0000001 FIS33335 C 3 000 N 2 05 ROM Paps 1 of 1 00082 MAMA, 21176 15610000030002117801 Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit Statement for account number: 4266 8410 6528 0578 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $8,979.31 07/25/07 $0.00 $179.00 Make d ? s dre s mail? Pnhc on Chase back. and Ssrvlees Amount Enclosed New address 426664106528057800017900008979310000004 21744 SEXZ 19807c IrrdlLlrrl,rlJrrL1111$ rlr6rrrll 16lnr 11111 111 of Ile 91111 1 DONALD N SWIDERSKY 611 PARK HILLS DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4967 PO BOX 15153 WILMINGTON DE 19688-5153 IrrrNlrrrllLrrrl,IrrLlrrl,rllJrrrllrrl,rrl,rrllrrdLlrrll C 5000 160 284 20 3 i0 6 5 280 5 78 iii' OpeninglClostng Date: 06106107 - 07105107 CUSTOMER SERVICE AWACH N Payment Due Date: 07/25/07 In U.S. 1-666-305-4016 7 KENNEL CLu6 Minimum Payment Due: $1 9.00 Espalol 1-888-446-3306 TDD 1-800-955060 Pay by phone 1-800-436-7956 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number. 4266 $410 8528 0578 Previous Balance $9,011.30 Total Credit Line $9 000 ACCOUNT INQUIRIES Box 15298 Payment Credits 4200.00 Available Credit $20 Wilmington, DE 19850-5298 Wilmingtonn, DE Purchases, Cash, Debits +$109.00 Cash Access Line $1,800 Finance Charges +$59.01 Available for Cash $20 PAYMENT ADDRESS New Balance $8,979.31 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.ct?m.com/creditcards TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 06124 1 4111 1 PAYMENT - THANK YOU .00 OBQ8 24892167179000518118711 RGI•CHASE CARD UPGRADE 888-2203787 FL 79.00 07104 24692167188000049712860 GIANT FUEL #120 MECHANICSBURG PA 30.00 FINANCE CHARGES Finance Charge Daily Periodic Rafe Conesp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases .02189% 7.99% $6,102.07 $40.08 $0.00 $0.00 $40.06 Cash advances V .06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience ch eck .02189% 7.99% $1,974.31 $12.97 $0.00 $0.00 $12.97 Balance transfer .02189% 7.99% $906.57 $5.96 $0.00 $0.00 $5.96 Total finance charges $59.01 Effective Annual Percentage Rate (APR): 7.99% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transadion fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Brookstone offer. $15 off $80 purchases via web or phone. Identify yourself as a Chase customer. Mention or enter code CHASE at checkout Visit Brookstone.com or call 800.926.7000 Not valid in stores. Excludes tax, shipping, gift cards, Tempur-Pedic, Sony and Bose products. Expires 12/31/07. Visit the AKC Online Store for a huge selection of books, dotting and gift items for your breed. www.akcstore.org. Is your dog a Canine Good Citizen? Let AKC and K9 Advantix show you and your dog how to Sam a CGC. To loam more, visit httpJA~.akc.org/events/cgcrindox.cfm. Worried about rising vet costs and what you could afford N your pet had a serious accident or illness? Contact the AKC Pet Healthcare Plan at www.akcphp.eom or 1.868.725.2747, identify yourself as a Chase Cardmember (Quote Code 1 S001), & get a free estimate on the protection your pet deserves. This Statement is a Facsimile - Not an original X 0000001 FIS33335 C 3 000 N Z 05 07/07/05 Pape 1 d 1 00082 MA MA 21744 19810000030002174401 Statement for account number: 4266 8410 6528 0578 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $9,250.28 08/25107 $179.00 $792.28 Make your chock payable to Chase Card Services. Amount Enclosed ?? New address or a-mats? Print on back. 426684106528057800079228009250280000004 22119 SEX Z 217070 Ir..III.lrrl.rlrl..I..II..rlrlrr.rll,l.l„.Il..l.lr..llrrll.rl DONALD N SWIDERSKY 611 PARK HILLS DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4967 PO BOX 15153 WILMINGTON DE 19886-5153 I..,IIt...lilr.rrl.lr.111r.1r,11.lurllulurln.llurllrl..ll 1: 5000 160 281: 203 LOGS 280 5 78 11N OpenilglClosing Date: 07106107 - 08/05/07 CUSTOMER SERVICE AMERICAN Payment Due Date: 08/25107 In U.S. 1-888-305.4016 ??• KENNELCLu6' Minimum Payment Due: $792.28 Espanol 1-888-446-3308 TOO 1-800-955-8060 Pay by phone 1-800.436.7958 Outside U.S. call collect 1-302-594-8200 INQUIRIES ACCOUNT VISA ACCOUNT SUMMARY Account Number. 4266 8410 6526 0578 P .O. Bo 1 Previous Balance $8,979.31 Total Credit Line $9,000 Wilmington, DE 19850.5298 Purchases, Cash, Debits +$39.00 Available Credit $0 PAYMENT ADDRESS Finance Charges +$231.97 Cash Access Line $1,800 P.O. Box 15153 New Balance ,250.28 Available for Cash $0 Wilmington, DE 19886-5153 VISIT US AT: www.chose.com/creditcards The new APR and promotional We expiration reflected on this statement is a result of a late payment on your account For your convenience, you can always pay online by accessing our webske displayed on this statement. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 07125 LATE FEE $39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Com sp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V .08217% 29.99% $6,191.34 $157.71 $0.00 $0.00 $157.71 Cash advances V.08217% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V.08217% 29.99% $1,997.48 $50.89 $0.00 $0.00 $50.89 Balance transfer V.08217% 29.99% $917.21 $23.37 $0.00 $0.00 $23.37 Total finance charges $231.97 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account sedan for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction) category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Nature's Recipe 8 Invisible Fence are proud sponsors of AKC Responsible Dog Ownership Day. Visit www.akc.org to And an event in your area this September. Is your dog a Canine Good Citizen? Let AKC and K9 Advantix show you and your dog how to earn a CGC. To loam more, visit http://www.akc.org/events/cgcrwWex.ch. This Statement is a Facsimile - Not an original X 00D0001 FIS33335 C 3 000 N Z 05 07109/05 Pegs 1 oil 00082 MAMA 22119 21710000030DO2211901 Statement for account number: 4266 8410 6528 0578 New Balance Payment Due Date Past Due Amount Minimum Payment $9,568.18 09/25/07 $542.00 $1,484.18 Make your check payable to Chase Card Services. Amount Enclosed $ New address or e-mail? Print on back. 426684106528057800148418009568180000005 22705 aEX Z 21907 C DONALD N SWIDERSKY 611 PARK HILLS DR MECHANICSBURG PA 17055-4967 CHASE O Irrrlllrlrrlrrlrlrrldrillrrrlrlrrrrllnlrirrrlirrlrlrrrllrrllrrl {rrrlllr,rlllrrrnlrlrrfr{rrlrrllrtrrrllrrlrrrlrrrilrrri{rlrrll CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 E: 5000 160 28t: 20 3 106 5 280 5 78 1iis Opening/Closing Date: 08106107 - 09!05/07 CUSTOMER SERVICE AMERICAN Payment Due Date: C 09/25107 In U.S. 1-888.305.4016 • KENNEL U 6 Minimum Payment Due: $1,484.18 Espafiol 14HW 446.3308 TDD 1-800-955.8060 Pay by phone 1-800136-7958 Outside U.S. call collect 1-302-594-6200 VISA ACCOUNT SUMMARY Account Number: 4288 $410 6528 0578 Previous Balance $9,250.28 Total Credit Line $9 000 AC P.O. Box 15 INQUIRIES 298 Purchases, Cash, Debits +$78.00 Available Credit $0 Wilmington, n, D E 19850.5298 Wilmington, DE Finance Charges +$239.90 Cash Access Line $1,800 New Balance $9,568.18 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards Your credit card account is past due. Please send payment immediately. Call 1-800.955-8030 (00118G 1-302-594-82W) today. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit B LATE FEE 9.00 08/06 OVERLIMIT FEE 39.00 FINANCE CHARGES Finance Charge Dally Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Ram Fee Fin Charge CHARGES Purchases V .08216% 29.99% $6,428.69 $163.74 $0.00 $0.00 $163.74 Cash advances V.08216% 29.99% $0.00 $O.W $0.00 $0.00 $0.00 Convenience check V.08216% 29.99% $2,049.00 $52.19 $0.00 $0.00 $52.19 Balance transfer V.08216% 29.99% $940.87 $23.97 $0.00 $0.00 $23.97 Total finance charges $239.90 Effective Annual Percent"" Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Your 2007.2008 Privacy Notification is enclosed for your record. Now you can earn REWARDS with your AKC credit card! Earn 1 point for every $1 you spend in eligible purchases & redeem for your choice of travel, cash, merchandise or gift cards from great merchants like PetSmart. Call the 800# on the back of your card to upgrade NOW. This Statement is a Facsimile - Not an original X0000001 FIS33335 C 3 000 N Z 05 07/09105 Page 1 of 1 00082 MAMA 22705 21810000030002270501 Statement for account number: 4266 8410 6528 0578 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $9,886.18 10/25107 $916.00 $2,179.18 ? Nab your cheek payallole Pv to Chase Card Services. Amount Enclosed $ New addressor e-mail? N? Print on back. 426684106528057800217918009886180000000 SM489EX Z 278070 I...III,I„I..1,1,.1..11...1,1,„111/111.,111„111.,,111,11..1 DONALD N SWIDERSKY 611 PARK HILLS DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4967 PO BOX 15153 WILMINGTON DE 19686-5153 1110111111111111.1 1111111111111111111111111 1.l . r 11l ...1l 11.. I I 1: 5000 160 281: 20 3 106 5 280 5 ?8 ill" AML OpeninglCtosing Date: 09/06/07 -10/05/07 CUSTOMER SERVICE AM RICAN Payment Due Date: 10/25/07 In U.S. 1.888-305-4016 •ws KENNEL CLUB' Minimum Payment Due: $2,179.18 Espanol 1.888-446-3308 TDO 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302394-8200 VISA ACCOUNT SUMMARY Account Number. 4266 8410 6526 0576 Previous Balance $9,568.18 Total Credit Line $9,000 ACCOUNT INQUIRIES Box 15298 Purchases, Cash, Debits +$78.00 Available Credit $0 Wilil Wilmington, , DE DE 19850 5298 Finance Charges +$240.00 Cash Access Line $1,800 New Balance $9,886.18 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase. oom/creditcards The Charge privileges on your credit card account have been revoked. You no longer have the abitHy b use you credit card account for purchases. We can help you get back on track. Call 1-800-955-8030 (collect 1-302-59448200) today. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 09/25 LATE FEE 970 09106 OVERLIMIT FEE 39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Carresp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.08216% 29.99% $6,671.15 $164.43 $0.00 $0.00 $164.43 Cash advances V.08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .08216% 29.99% $2,100.97 $51.79 $0.00 $0.00 $51.79 Balance transfer V .08216% 29.99% $964.74 $23.78 $0.00 $0.00 $23.78 Total finance charges $240.00 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Cormspondkq APR is the fate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Is your dog a Canine Good Citizen? Let AKC and K9 Advantix show you and your dog how to earn a CGC. To team more, visit http:/Avww.akc.org/events/cgc/lndex.cfm. Worried about rising vet costs and what you could afford I your pat had a serious accident or illness? Contact the AKC Pet Healthcare Plan at www.akcphp.com or 1.886.725.2747, identify yourself as a Chase Cardmemher (Quote Code 1 S001), 8 get a free estimate on the protection your pet deserves. Mark your calendars! The 2007 AKC/Eukanuba National Championship will be held at the Long Beach Convention Center on Saturday and Sunday December 1 and 2. Use your AKC Rewards Visa to purchase tickets. Visit www.ake.org for more information. This Statement is a Facsimile - Not an original X 0000001 FIS33335 C 3 000 N Z 05 07/10/05 Page 1 .11 00082 MAMA SU48 27810000030005814801 Statement for account number: 4266 8410 6528 0578 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $10,180.50 11/25/07 $1,293.00 $2,869.50 Make your check payable to Chase Card Services. Amount Encosed 1 $ New address or e-mall? Print on back. 426684106526057800286950010180500000003 41250 SEX Z 30907 C 111 11111 t1111111111111111111111111111111I11111111111111111111 DONALD N SWIDERSKY 611 PARK HILLS DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4967 PO BOX 15153 WILMINGTON DE 19886-5153 III IIIt11111111111 /111111,111111111111111111,11111111111111111 4 5000 L 60 284 203 LOGS 280 5 78 1110 OpwmgfClosing Date: 10/06/07 - 11/05107 CUSTOMER SERVICE AW N Payment Due Date: 11/25/07 In U.S. 1-888-305-4016 KENNEL QUB minimum Payment Due: $2,869.50 E hol 1-85840-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number. 4266 8410 6528 0578 ACCOUNT INQUIRIES Previous Balance $9,888.18 Total Credit Line $9,000 .O. Box 15298 P.O. Cash, Debits +$39.00 Available Credit $0 DE 19850-5298 Wilmington, Charges +$255.32 Cash Access Line Finance $1,800 New Balance $10,180.50 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase_mMaeditcards You haven't made the required payments and your credit card account is 90 days past due. As a result, your credit bureau may be updated with a negative rating. Please send your payment immediately or call us at 14I00-955-8030 (collect 1-302-594-8200) today. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 10125 LATE FEE $39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Cortesp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.08216% 29.99% $6,880.66 $175.25 $0.00 $0.00 $175.25 Cash advances V .08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V.08216% 29.99% $2,154.27 $54.87 $0.00 $0.00 $54.87 Balance transfer V .08216% 29.99% $989.21 $25.20 $0.00 $0.00 $25.20 Total finance charges $255.32 Effective Annual Percentage Rate (APR): 28.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of Interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction tees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS ° Is your dog a Canine Good Citizen? Let AKC and K9 Advantix show you and your dog how to Sam a CGC. To team more, visit http://www.akc.org/oventslcgrJindex.cfm. Worried about rising vet costs and what you could afford if your pet had a serious accident or illness? Contact the AKC Pet Healthcare Plan at www.akophp.com or 1.866.725.2747, identify yourself as a Chase Cardmember (Quote Code I S001), & get a free estimate on the protection your pet deserves. This Statement is a Facsimile - Not an original X 0000001 FIS33335 C 3 000 N Z 05 0711IMS Pepe 1 of 1 00082 MAMA 41250 30810000030004125001 Statement for account number: 4266 $410 6528 0579 CHASE O New Balance Payment Due Date Past Due Amount Minimum Payment $10,473.80 12/25107 $1,689.00 $3,560.80 Newa your elwck payable to Chase Cab Services. Amount Enclosed $ New address or o-maya Print on back. 426684106528057800356080010473800000003 24971 aEX Z 33907 C I...II 111.. 1 111 1 I.. I..li... I alto.!! II al... 11..1.1... l 11111.. DONALD N SWIDERSKY 611 PARK HILLS DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4967 PO BOX 15153 WILMINGTON DE 19866-5153 1111111111111111 .1.L.1.L.L.ILL..IIr.In.6ulin,llllull I: 5000 i 60 281: 20 3 i0 6 5 280 5 78 L11¦ Opening/Closing Date: 11!06107 - 12105107 CUSTOMER SERVICE AmEwCAN Payment Due Date: 12/25/07 In U.S. 1-888-305-4016 KENNELCLUB Minimum Payment Due: $3,560.80 E atiol 1-888-446-3308 TDD 1-800-955-0060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 4266 $410 8528 0578 ACCOUNT INQUIRIES Previous Balance $10,180.50 Total Credit tine $9,000 P.O. Box 15298 Purchases, Cash, Debits +$39.00 Availabis Credit $0 Wilmington, DE 19850-5298 Finance Charges +$254.30 Cash Access Line $1,800 Now Balance $10,473.80 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wtimington, DE 19886-5153 VISIT US AT: .. wa dWse comicreditcerds Ifs not too late to resolve the outstanding balance on you credit card account. We have a variety of payment options that may be right for you. Call 1-888-792-7547 (collect 1-302-594-8200) today. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 11/25 LATE FEE 39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Conesp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V .08216% 29.99% $7,093.85 $174.85 $0.00 $0.00 $174.85 Cash advances V .08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V.06218% 29.99% $2,208.91 $54.45 $0.00 $0.00 $54.45 Balance transfer V.08216% 29.99% $1,014.31 $25.00 $0.00 $0.00 $25.00 Total finance charges $254.30 Effective Annual Percarrtapt Rats (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important Information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X 0000001 FIS333M C 3 000 N Z 05 07112MS Pape 1 d 1 00082 MAMA 24971 33910000030002497101 Statement for account number: 4266 8410 6528 0578 /? New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $10,783.24 01/25108 $2,087.00 $4,287.24 Amount Enclosed Maio yourek payable to ae Card Services. $ New address s or a e-mail? Print on n beck. 426684106528057800428724010783240000006 77872 BEX 2 508 C I I I III I I I/I II II I II I I I /IIII I I IIIII III II tI111II11I 1I111II It I111I DONALD N SWIDERSKY 611 PARK HILLS DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4967 PO BOX 15153 WILMINGTON DE 19866-5153 LIIIIIIIIIIIIIIIIILJ16tl1.IIILIIILILIJIIIIl,I111JL11 4 5000 L 60 281: 20 3 LO 6 5 280 5 78 L11a AAL OpenkWClosing Date: 12/06/07 - 01/05/08 CUSTOMER SERVICE /AMERICAN Payment Due Date: 01/25108 In U.S. 1-888-305-4016 KENNEL CLUIF Minimum Payment Due: $4,287.24 Espanlol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 14800436-7956 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number. 4266 8410 6528 0578 1302 594-0200 Previous Balance $10,473.80 Total Credit Line $9 000 ACCOUNT INQUIRIES 15298 Purchases, Cash, Debits +$39.00 Available Credit , DE $0 Wilmington, Amington DE 191150-5298 Finance Charges +$270.44 Cash Access Line $1,800 New Balance $10,783.24 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/cro&cards You haven't made the required payments and your credit card account is 150 days past due. You can still turn things around. Call us today at 1-808-792-7547 (collect 1-302-594-8200) so that we can find a solution for your situation. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 12/26 LATE FEE $39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.08216% 29.99% $7,312.81 $186.26 $0.00 $0.00 $186.26 Cash advances V.08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V.08216% 29.99% $2,264.95 $57.69 $0.00 $0.00 $57.69 Balance transfer V.08216% 29.99% $1,040.04 $26.49 $0.00 $0.00 $26.49 Total finance charges $270.44 Effective Annual Percentage Raft (APR): 29.99% Please see Information About Your Account section for balance computation mettod, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS New Year, New Toys, New Books, New Treats. Visit the AKC Online Store today: www.akcstore.org. Would you like your statement quicker? How about less mail to open? Go to www.Chase.com today and register to receive your statement on-line. It's easy, secure and will only take a few minutes. Take the time to register today and it will save you time every month going forward! This Statement is a Facsimile - Not an original X 0000001 FIS33335 C 3 000 N Z 05 08M1I05 Pays 1 of 1 00082 MA MA 77872 00410000030007787201 Statement for account number: 4266 8410 6528 0578 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $11,100.70 02/25/08 $2,504.00 $5,032.70 Make your check payable to Chase Card Services. Amount Enclosed $ New address or e-mail? Print on back. 426684106528057800503270011100700000001 24762 BEX Z 03Mc II1111111Ui11iIl11lg111.111181111111111 Ollie 11111 Ollie 1111.1 DONALD N SWIDERSKY 611 PARK HILLS DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4967 PO BOX 15153 WILMINGTON DE 19886-5153 1111111111IIL1llLIll11Ld1lIldl11111111111111I1,1J1111111 45000 L60 281: 203 L065 280578 Lila A'aL Opentng/Closing Date: 01/06/08 - 02/05/08 CUSTOMER SERVICE AMERICAN Payment Due Date: 0225/08 In U 1-888-305-4016 S W KENNELCLU6 Minimum Payment Due: . . $5,032.70 Espahol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. tail collect VISA ACCOUNT SUMMARY Account Number. 4266 8410 6528 0578 1-302-594.8200 Previous Balance $10,783.24 Total Credit Line ACCOUNT INQUIRIES $9,000 P Box 15298 O Purchases, Cash, Debits +$39.00 Available Credit . . $0 Wilmington DE 19850-5298 Finance Charges +$278.46 Cash Access Line , $1,800 New Balance $11,100.70 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.Ghase.com/creditcards The outstanding balance on your credit card account le scheduled to be written off as a bad debt shortly. As a result, your credit bureau will be updated with a negative rating that could last for up to seven years. We can still help, but you need to call us now at 1-888-792-7547 (tolled 1-302-594-8200). TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 0125 LATE FEE 9,00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.08216% 29.99% $7,542.14 $192.10 $0.00 $0.00 $192.10 Cash advances V.08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .08216% 29.99% $2,323.35 $59.18 $0.00 $0.00 $59.18 Balance transfer V .08216% 29.99% $1,066.86 $27.18 $0.00 $0.00 $27.18 Total finance charges $278.46 Effective Annual Percentage Rob (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X 0000001 FIS333M C 3 000 N Z 05 08102105 Page 1 of 1 00062 MAMA 24762 03610000030002476201 EXHIBIT A BILL OF SALE Turtle Creek Assets, Ltd, by and through its general partner, Forward I International, Inc. ("Seller"), for value received and pursuant to the terms and con the Credit Card Account Purchase Agreement between Seller and Pro Cron ("Purchaser', hereby sells, conveys, transfers and assigns to Purchaser, effective File Creation Date of November 25, 2009, all rights, title and interest of Seller those certain accounts, receivables, judgments or evidences of debt described in attached hereto and made part hereof for all purposes (the "Accounts"). Number of Accounts 99 Total Unpaid Balances $423,775.45 The Accounts sold hereby were purchased by Seller from CHASE BANK USA, N. A.. national banking association ("Original Creditor") as evidenced by the Bill of Sate fn Original Creditor to Seller attached as Exhibit 2 hereto and made part !hereof for purposes. This Bill of Sale is executed without recourse except as stated in the Credit'Card Purchase Agreement to which this is an Exhibit. No other representation of 'or wa title or enforceability is expressed or implied. Turtle Creek Assets, By: Forward a Texas limited partnership Inc., its general partner Gordon Dot 21 2009 2:52PM ThomasCSelf FJIUT A Q CHASM BILL OF 9ALg Chine Beak U&%, NA. ("sellra P% far valve seomved mad p m the teams mad a of Cradlt Caed Act Pmban Ap+eamaut dated May ;, 2009 bawvaa S&w a?d T- m- Am% Ltd., by amt dirougb its p aeral ps sum Fmvwd Propard a b*rmm seed„ k c. ("hrdwm-), in scxx:esrors sod asalps ("Credo Card A=M Purchase Agt+mz eat" }, snips of tlvo as of der File CraKlon Dav of October 13) 2009 all t W Seller is sad to fimm cauin rm aivabks, judg ants or avidtams ofdebt dmnW m E aaaohed lmrata and made part tmrsof for all ptuposea. Number of Acmats 33,785 Taal thi*d Balaooes 1 9,688.21 Prmb m Due Seller Amounts due to 5eRw by Pmheeor in hwmader shall be paid U.S. Dollars by a *in tr io, A - ti be reodved by Sella no hoer than Oc'a"w 2Z, 2W9 (the "Closing Datel by 2:06p m. SOWS tim, as follows: Chet lMnk LM, NJ4 AM "MOOM M1eAoie y Nee- C m m §** kGA, KX BNNf lwy AMM tt>. #0044nM This Bill of Sab is ezec ii *W in reoagme axcayt as slstsda t o Pm?o6¦se Agumme to whi hich ttd is en Bx>yibit. No other m of ? ttx title Werce by is eat or ingdod. I Cho" Turtle Br BY L1ate: QmhK 1% 2m Date: , Title QqW" 11?soasra Title 9726361829 .2 VERIFICATION I, Jason DiNardo, am fully familiar with the facts set forth in this complaint. I verify the facts set forth in the within allegations are true and correct to the best of knowledge, knowing that any false statements are punishable by law pursuant to 18 C.S.A. 4904. Jason DiN Pro Credit 2Ulo ~11~ I~ ~,C1 2-SS ~Ja ~ _ .. ,,~; 9 ~._.. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION: PRO CREDIT SOLUTIONS, LLC Plaintiff, Vs. No. 10-02029 TYPE OF PLEADING: AMENDED COMPLAINT Donald N. Swidersky, Defendant(s), Filed on behalf of: Pro Credit Solutions Counsel of record for this party: Thomas L. Maher, Esq. P.O. Box 582 Greensburg, PA 15601 (888)-793-3238 PA ID # 207970 COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRO CREDIT SOLUTIONS, Plaintiff No.10-02029 vs. Donald N Swidersky CIVIL ACTION Defendant 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 aze served, by entering a written appeazance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You aze 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, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. 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 4th Floor, Cumberland County Courthouse Cazlisle, PA 17013 (717) 240-6200 9. The last payment of the Defendant was received and credited on 6/24/2007. 10. The within account was sold to PCS for valuable consideration and all rights under said account were assigned to PCS attached as Exhibit "B". 11. Pursuant to the terms of the Agreement, Plaintiff, upon default in payment, may declare the entire unpaid balance immediately due and payable without notice or demand. 12. Pursuant to the terms of the Agreement, Defendant, is liable for interest on the unpaid balance. 13. Pursuant to the terms of the Agreement, Defendant, is liable for Plaintiff's court costs and reasonable attorneys fees. 14. As of 2/29/2008, the balance due and owing to Plaintiff from Defendant was $11,139.70. WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant, in the amount $11,139.70 of plus costs and interest at the rate of 6% per annum from 2/29/2008 as well as reasonable attorneys fees of $500.00 and such other and further relief as the Court may deem just and appropriate. Count II -Account Stated 15. Plaintiff incorporates the allegations of every paragraph enumerated above of this Complaint as if said paragraphs were fully set forth here at length. 16. The within account was an account in writing and expressly or impliedly accepted by both parties. 17. The amounts due and owing to Plaintiff by Defendant are based on a subsisting debt and arise from a preexisting account or course of dealing between the COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PRO CREDIT SOLUTIONS, Plaintiff No.10-02029 vs. Donald N Swidersky CIVIL ACTION Defendant COMPLAINT 1. The Plaintiff is Pro Credit Solutions. ("PCS"), with a place of business at P.O. Box 582, Greensburg, PA 15601. 2. The Defendant(s) is Donald N Swidersky , an individual with an address of 611 Park Hills Dr Mechanicsburg, PA 17055, PA . Count I -Breach of Contract 3. Defendant requested a credit card from Chase. 4. On ,10/6/2005 ,Chase offered Defendant a revolving open-end charge account (Account No. 4266841065280578 )and issued a card to the Defendant subject to the terms and conditions set forth in a written agreement marked in Exhibit "A". 6. Defendant accepted the terms of the written account agreement, as shown by signed application in Exhibit "A" and by using the Chase credit card account number 4266841065280578 for purchases, cash advances, and/or balance transfers. 7. Defendant was mailed account statements relative to Defendant's use of the credit card attached hereto as Exhibit "A", pursuant to rule 1019(1) 8. The Defendant has defaulted under the terms of the Agreement by failing to make monthly payments as they became due and owing. parties. 18. This account is an Account Stated, thereby operating to foreclose any dispute over the amounts due. WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant, in the amount of 11,139.70 plus costs and interest at the rate of 6% per annum from 2/29/2008 as well as reasonable attorneys fees of $500.00 and such other and further relief as the Court may deem just and appropriate. Count III -Quantum Meruit 19. Plaintiff incorporates the allegations of every paragraph enumerated above of this Complaint as if said pazagraphs were fully set forth here at length. 20. The services provided by Plaintiffby and through its predecessor in interest, and same were received by the Defendant, and the Defendant received and accepted the benefit of said services provided by Plaintiff. 21. At all times material hereto, Defendant was awaze that Plaintiff by and through its predecessor in interest, was providing the aforesaid services to Defendant and expected to be paid for such. 22. At all times material hereto, Defendant, with the aforesaid knowledge, permitted Plaintiff by and through its predecessor in interest, to provide the aforementioned services and incur damages. 23. At all time material hereto, the Defendant was unjustly enriched by retaining the benefit of receiving said services without paying Plaintiff or its predecessors fair and reasonable compensation. 24. By reason of the aforesaid unjust enrichment of Defendant at Plaintiff's expense, an implied contract exists between the Plaintiff and the Defendant, and the Defendant is obligated to pay Plaintiff the value of the services described above and in the exhibits attached hereto, in the amount of $11,139.70 plus costs and interest from 2/29/2008. WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant, in the amount of $11,139.70 plus costs and interest at the rate of 6% per annum from 2/29/2008 as well as reasonable attorneys fees of $500.00 and such other and further relief as the Court may deem just and appropriate. By: Thomas L Maher, Esquire Atty. LD. 207970 Attorney for Plaintiff P.O. Box 582 Greensburg, PA 15601 (888)-793-3238 A r' Chfaf9B05 •. Cardmember Agreement accEVrantl: o~Tlgsalifae~u~ffT This agreawent gowns your credit cud aceesmt with a: rehrrwreed m the card eaniar corrtaiainp ducardkrrdtie aeaantaayassetyour aaoatt~ eowrrad bytlris eprewnwd. Please read Ire stirs agrsewaat arudkesp R for your Heads. llou aatherita as b pay fa and charge yaw atxoawt fw ~ transaedsns ands on your aecawt You premiss b Y~1r us for aB transacfmns wads on your accoartt, as urd as any fee er irrance ehatges. If this k • ja6n uaarat; sseb of ywr. tt~ogedrw and ~ nspsraible la paybr0 cep aaroarrt, auved. awe if dre accour-tis wad by you. Vlhr arp require flat Yes WY the full earouatowed wflroutfrattaldnl rite oiMar pwsonCsito pay. Pleas spa the backelYoar ewd wheayaa naivek you suilbehotaid bythh apraentsat if you w arryaaa aulror6d by yea ase you aootart fw any parpoee• even M you doa't spnyesrcwdYyhetltwyostassyaa suorratoraotywsrihsbowtdbythbsapraeataat unless you canoe! ywr acaeat wfhin BF days aRter rsaabia f y~anr card and you hn~ not used your amount tw any porposa. Throuphoutluis afrasarerR the srerds'ara','rd and'sw" wsatr Chase Basrk UsA. NLa.. lrs i:sow d your ersit card aM sceaant The words ~sd 'ysd ssi wars' weaa e1 parsons respoawlde ter 0 stilt this agrasaunR, iaebdiyths personwho apriad for the aaount assi frs -anat to whow ws addrssa Illfttg atstawwrtr„ as wet as any parser whoapreests beNebisarM accamtThewosd'oaarmearo are or ware cads or other ucaes daifbes such ere account nsmbas, dust we bare issued to pwaatyou ~ obtain credk curia this agreemwrt ltslas yoinlaecounT Your account is a coasnwer aoceuat and shal bs wad only ter oitd, family w housshold purposes. Untass we agree w it is rastttked 6Y law; sn urlY adh rpponad~le for nsarchandiaa a services purchased w htatisd drrastph na of your account Ubn pranissto sayour amauotordy lorrafd and fasrhdtrensactions For araarple.lrtoeraat gambGnp aaN fN ~a1 in Beau places Ilia aotaw la'Fq f tD wake sere thatyou use your aaewntt ealr iw psrwissiM trwtaedeas, aM you will roauin rsspaud6b for va11!innf Iota panssctma avaei(itisnat perwi»iblsor eorttempletsd wader rids sprsaaant. Types of TrsaraedarrK • Purelrasas: you way ass your and to pay hu' pods or eerviesa. • eheeka: Wa way provide you ash advance checks w >tdanc* traatta checks a a vvaytoua youracamrt We slaorsfwtothew rtlim pnwrmatssa dtuker clucks you may use a dteekte goy fa pads or services. to trandw helarscss to your atcawrt or la other u~ we shoat Butyon way not uuths-a checks to ten:hrr balances >b this ucouK haw odor accourrd wish W err any of our reMad aw-wries Only lte person whoa aara is pritr0ad on the cheek way sips the ekeek Cash adrana eheeb ors tratad a cash advances cad 6ehturs treadw desks we treated as bagnee trandwsarxeptasaoted'wtldsa oraayaffarvewakebyoir.Nktwaylteat ehedu4atswcd amrerrieau ~ba4neetrataiw cbecb. Hoartanr,dtaclu tMtws cat canwaitaa drub cad datrue iadfaetad m you an wrljct>a the ttsrws for tech advanees,maY b treated as ash advances and a:sastued cash adsarrcerates cad has • Balaacs Taaafars Yw mp trw~tatet hdaaae trove attar aeaaurrts or Iowa wilt otkw creditcwd isstars err olhwNrderatathitaacotw6 w sduwbaMrrcetranshnwe aitow. Butyou way not traadw Irdenees m tf dt aoeawat tom alter aecaarrte with w err asrY of our rek+tert cwapsnirs. N a porlm d • ngasttad behacs tnnsfw rdit wresad your avsAable cneBt Bea, wr may process • parties balwtee tneafer cep n year naila6la ertd'R Gus. • CadrAiwaaa: you way up yaw card b pat eesh hrom autaraetie teBst maelrirus< or fray fsaneW irari0rfoas saeping 1M card; err to sbtsia traveNrs lulu, foreign curtenctbmonay ordars.wdrs trarafen or iatrlsreash-like~haps; or to o6taittlotNry rickets, aairro d4ps, rue trod rrapn w far tiad4lr batlrq tanadona. You may skaussadrod pwttrsavicsb autks s payteentanyau belaM end frBl Ms paywart to thin saarart • Ovenirah advaaeaa: B gar baud an sGgibh ebukhtg ucaartwitlt are of oar rakmd hanks You waY tale thh aceotsrt m yes aheeking eecarat wilt our nlstad qnk to ewer air swtdraR an ltat dud6rtg uewat ender tts tnau of this agnwnwtt and Your dreridnp sccountagreemartt fiUhq q~ela:ln ordwtosrarapyoar aec«sKrw dulls tiaue ntts petiole eaBad'1~iay cyr+kf. Eseit ~cydeisapproaintatripau werttlt orkw9lt. Fir ead.calwtdwstanlt your aceounta~iq liars a kBfhp cycle drat ands in rifer wortthh. Ybur aecowtt wBi Irate a WI~~eTs_ mkt each eaNndat wundt Mdtether w nottltem is s 6ainp statersatt aatb.riaa uaq: M you afow wwaaee is ass your accormt that praon wiB (>, u audtarixsd ut~ Ubu wp ceglwst aft addiiaaf aed Mr ua hY sa w+iwrirsd user on your account iiyou do~thi: aaormtsuyappearenths credtrepwtefllataalrorbN user. Ube shall drnk wratdlt before eBowitt4 attyaas to Mcoas aA attdtw&ed leer bacaaa ytru are aisttieg that pwsar b tae • aocewtt as yet wn. you wiA rwada ntpatsi6le lathe use of yoaraesouatandaach earl krsw/ set yaraaanntt to rite cans: of skis sgroewatt Tltis iadudes You nspons~itY h- tnt-iu f aq charges on your aaceunt atadt 4 as aaltorired [qtr. You must rrotih u: tp tartainte sn adaraed tsar's pweussiat b use yoav eecassrt if You netHyta, wa etayciosa MacceuateaMaiasucea newel w ear4 wiftaddhnnt accoent aualbsr. Yon sbarld elm rscerst ad destgr any atria cheds or cry alto mssns et access to your acceuet trove that wAlwrked ear. Cradi! Liar Yen credit Fns appears oa Yaw bBiap s Vlla aretr ahto rshr to rite credit Bne as a ctedR Breit Maur bilBep statsraertt waY alto drew that only ^ pardon d YoureraditFnsmaybetadtarsasfi adlraaoes Cssisdwaea,7tuehrdktpusbadwnes tholes. an cMrpad epiast the sash adwne: portion d your endit firr tetd al odor transaetiona are chwged apain:tyour eredt Fns. You an nspertsr~le for leaping trsck of your aeearrx 6ahacs, rrekrdrng wry fees crud firtence charges snd atekirrp sure it rawakts blew gate andk Irrs. U your aecotart bdaaes is orw your credit Fns for arty roasan.swmayeharpyyaoa~snererYmitfuasdaeri6sdMtUioW'array but ws not required tq suthoritt ahwgea bat po over your audit s Ya arsat pay arty wnonat over yorr endit Bne, artd you ma=t pay us iararedaley it wt ask you to. This agraKnent appGss to any balance on roar aeeoraK ineludsrp srry balance over your aedR lies. Atow~sCretlen,wsmsy wereap,tedaes. a caacelyour cndAfine,wthacab adwnee palace dywtr credtiat, at any than. Gkrrsarey if you hwe asked w not is do so, ws wBt notktcrsaa yoarotadkfae. Achaaptsyow ersd~t~iaeuuiaotalfietyouro6ipation to pry us. IrderasleeeF Titsruascsisruc hrtarrwtlsrtaf tamacdona iaakrds any ttaneaetion drat you raairein a lord fn clarenq arthatyar make oudMs ottAa Urrbod Stsusd hawks even i! it i. ands la U.S. 8ofiars. tt Yrw wake a transaedoa n a faraign etarerrew Yea Irramaioaal or MssOerCard ktUmatioaai, Ina, veil ceavert tba traersaedon into U.S. ddfws byusip its tespsetiw owrarwy convenfsrt proeadruas iha etathaaps rde each enigr uses >A corrvsst wersary is a rate that k sheets eiMer from Ire r of rates eeaiabkr b lu witokasfe wrnrwy marksb fa tht ~plkabN pronssiap~ete (which rate away rary how tM rate tlrs rsapeeltre• asrfltr itssf nsaiws}, err the porarawedillaedated raM is eNecta-tlu appBeabk procsstiirgdate. The rats in eNect anthe eppFwttts pracsssirq date msYdi[hrfrow dtsraM aatha deteyou usedYeur card or ucowtt WM nsarre~to ehwgeyoe an addi6anal3X alths US. dollar amount of al- irrtaraador-al r srhsdter ricer traneaetion era oripruly made n U.S. dogws or wa mods in snothsr eerreaey and ceewrbd to U.S. ddbrs by Yrsa or MasterCard, b dthw esss, the 3% wBt b. akuleted oa the U.S. doth>r asnaaR provided 1a us by let errdty. The same process and charges may aptly N any international tranaudon is reversed. Rdpal N asrgrorhw Traaraedsar We arsy,but are rat rsqulrad to, dMtlias a transaction oa your aceaari for say of the toMowinp race:aas~ • Mcwrse d eperetioad coaaNsntiora, • frecaussyear eeoeuat is is dsfaulC • if we snepect h~sndulent or unlesvhrl activity a, • it asr dserelon, ter any clot nsson. Wr era rwttasponsr3h for say kaas f a traneselon en your aaoum is decGnad for any ressoa, aBiwr lM us or a 1hir1 party. awn if you haws adBaatrt aerie available. Far ordwe transactiops, ws wsy ropers dot you ngieter your aeWUrR with an wdtarisatiar sysbro riot we :elect Ilya will nobly you fi we want you is repisteG H you do noltrslister, we msy dee5ns your odrrs transacfiora. Retaael ft Pay CMalrs: beb chedr you write a year requsdfor hwds. When sty receive a cheek fw psYmeat rw may nuiwv your account w decide wheltw M andrerite thrt chi tMYi~N notreyftpred to, reject asd ratan unpaid s thole far any reason, lte aaauyfsa: • Wk err ono of orr raieted cowpatriaa k the pays on the daxk. • Uburcndttibw err ash advance portion d your orsdtfnu has ban esceaded, w would M asaeded B we paid the aback • Thedreat~ie peat-detsd.lE a postdated thole is paid, resrdlag b anatber ekeck being raornred err net pwd, tatr an not • Ybu ltew used the cMck aitiw the apedlsd as it • Yat ors in default or wotdd be if we paid 1M druk Led a fNlea frarde„ Gheske or aeaaat llaatbsae k say card,dud, euoorNCUmber w athw wam >n access your uatmt is bet w stolen, w you think somaane used or may ua them ssidrout year petarador4 yes wed nobly w at ants by car&np rite f:ardwanbar Swricsdphwre mrmhw ahewn sayourcard err bBikg ctsament Oo not ass your accoratt sflar yua notlly ua, awe if your cad, cbedc, eaaart nawber err athe r a-ana b access your aemurrta feared err narrned. Ws may ferariasla w suspend year aredrc privtleps when yew notify us of any bss flail w anwdtwi:ed use related to gar omaprt You wq be liafds if lhen is anealterited ua of pour acaum toe whie6 you receive no bamfk lust you wBi not be fiabb for aeon than l90Af d aneh tanaetioas and you wk cot be GabN for wry snah ttsnsaclorK made afteryou rrolty su of der tots lheh or wuudrerfzadwa. Howtrwr, you mnstidene'hr hrrastha unatAirori:ed charges from which you received no benefit ' 1Ne aaY nquireyauto prattle ua inloraration is writirg to halpas Grtl outwhas hsppened. [Ala may arm rennin you to eomplY with eertaiis procedures ~ eoarru0on wilt err inssslptian. PrlyliRBllT>< Pt-yweat Irr:Maada~ your biding stattnlwrt and ac M aavabpe include wanucioas yes utter fellow fa makisg peYatwat and scab the data and rims by which ws rfaatraceivethe payment Ube aRstr apay us smowres yea stye in U.S. dolws drawn as brie an depositin a U.S. twaneW itatTrrdort or 1M U.S. bratmlr d a foreign bnwrad hntiOAiort osinq a pryrtunt draekauoaer ardsror autowWe dsbittfatwdlbs prueuad whonaed ihrYarrfirartcal inttlMfau. fNte wf1 not asap[ cash paywents. Ywr togl awrNaOle credit sty trd be nsbnd fa v! to 15 days a!w ere naeiw Your paywspt cent paywarrt ebtet or seher forty of p wttwh(dt Yes cad ti ua tar has lraa the full latwteatbatiaatarked' diafutYorwi~hasWwnatalioruwthstyauadarwisetender h tub adsbelon der d~rled sasawtkertdileaal payweaW,wuatM asataa us atthe eondllamt psypaa>s addrsas btedeayew wamMysteawentws:eserw al our rights ngaring sash peTwents. far esampla, i kit dspawiaad that is no wGd dispute or it snY cult payment q nahNd rtarttr other eddies we say ameatthe paYauent wrd you wt7 adN ouw- say rwsaiak+g bafanet. ws wsY roWaa a asnpt anY such paymar-t by re4tminf it w Yar, ~ eaahkrg tt or by deeteying it M alter paymerrb brat yon melee thordd be santto rite regular payraeat address shown an your moMMy ststerrtenb. Pape t of B ,t,AN We nsarre pa right tlo •Itrtoaiedr coNtt year etpble peymeat drtdcs. et•rrt `. prtsentreat and snr +aaL f-om dre balk account m wldch the ehas# b drawn. Our rtgipt of your portent datdrs is ytntr eudrroritttleY for es b eaMct Iha tmonat d the tdttdt deeeYniceW, or, if Iaedd, by • dolt dtswn apainati tia bankaeeatmt ~ymaMdwckswwlll M edlacted aleetrauo tlfl- by aendrrp Ihediaek anrourrtalang tlrecheck,rortirrpendaceomtnYmbenbyourbtnk.tburbent eccamt may be de6ibd as tafy n Ike ssase dryrvt reeekrs yatm payment Tht original payment check wit ba destroyed end to irirape vrtT M maintiinad In oar retards. tl[irtimerr PalrmtnC 11btt apse te' pay at karat the milimtie payrasrt dra. as shown on your h••trg tlpMtrR tethaewereeeivt ithy dre dab asdtbt p~mart is due. yon easy illy rinrt ritm tM mittirtum peraaetdM aril may pay rr ~a ~ owe Yt at any lima. q you lore a 6rliece drat is tr i6rrrca sooner yon ptyus,ihe fepyatrrM poYin brancechtrpta Oeprsefmmret charges axrta rn rwr bahmca and illy. hmrr 1N'iip:tabmanesirowsyatr bopininnq~ helaYa arrd yoatr a~fasaanetpM 'New Balsas' m ytxrr f~ . Ntht iferr fiiaAirree is K knell yatr mkritwm tyntant dw rra ka tltt fdew Battmee. Optsrwiea, kart! M der of thaloMow~S{QOR2lfdtheNtwfidanea:ort~tauwofi~dtMlihrrB sr total billed pariodie raM Tmsna aril any hired 41a rail orirtatrit teas. b partdtbemininwn pnyraantdta, rw eMo sdd aetymttearrrtpastdotand anyamoraK OWr yOrrcraAtfma. Parma ARaeaNoa: t!au apm that vw are sathorRed b aflocata your ptymeat: tnderadiu+ns Oratlemostfsvasbltnoretnwniaafotus.fwtxattpis.yoa audatitt uc d t Your payments end txsdiec b halrtrc~s with lower APAs tsuck as promopenal l bolas bdrtas whh hipirar APRs. C radfl Balsas:llbar may rpeast a rdend of a eredt bdetce atany thrra. Wiarsy reduce 1fa samuttof say «ed'u balatea by in ataessR d new charges a fees bflad >n your account Atrtartfia CMarps: yew mry auiraiu a tldrd pasty to trdeaticaty charge your aaoart for rytattrmssttiont tfertratapb, eroriMyYllElyehagts; ttsrebenhips and itruratct preadumt}. R ittlottetie drarpts trestopped Nrarnrt~yr reetton rmehrd'mp beeaese your atxettet is t>tasd or strsotndd fa upr rea:orra a your account ntmrbachmps:youan~a~np~ hltftrttadtyhrpdrtbirandpayipdrwdarga diratxly.gyoutaetdtYtt charpas.wrnra~,bataronot-ayuiradt~.payhom yournewxeamttmmberdrsrptsthttyar wdrorisd tr be Mtdooyourold sccount number Peeiraiarr:: From time b lima we stet/ aNer sptwal tears for row tceowtt If we dq we witleatlRy yw ahoutdm tertas of drt oNer ad how boil fray wr7 brio tfhct Any proa»dat is subject to the tettea d itu agnemant a madded M the promo0enaf Ogtt FINANCE fAtAtCEi Ds~ PaMdie itaas seal Asentrt ftnaer your anmstl peretafage rates CAPRs') wail der carteaparArrp daily rates era fisbi on dra Mss aril Fees TabN that is K dre aatMM d dirt dteumtat or ~ntsidtd stparaedy. Ta !at the daily periedie rest wf dk+idt the APR w>Ie~ and ra effect ahwys rsrmd up tt the fddr pica b the right d Ike dtckt-rl plat variable Raga Qnta marsAPRsdattp~ dyrtuaccotmtrtnyvaryrrida claagrs m the Prime Rrd. When you kart err APR tlatrrrfss widr ehaapa >D tM Prima Rats. we ealculad Ws APII br adding a ssarpha to drt Prate Rua ptb•sited in lht WalfS~treetJeanra/aro MttiaeadaytMfatlMtCloakr//Outsbowsonlatrr-biinp statameat The'Ptima 1laM a fie blrphaet (U.S.I Prkee Ottpu~ shed in tlra Motel- Ratan secdoe d flit NbNSlr~ettdiaunea[ 11 Tito iffaMStrastsieae»dttops pub•>hitp the Prima rites, wt rri stleet • simian rderanee rats and inform you of your b•fm' statemart or tliouph • sepsrad ttt6ca. A aarpii is dta ptreattape rra sdd m dre Priers Hatt >b cakorlata 1M APR A bestiast day' a say day flat a not a eatkand or fedtrrl border Ths Rates and teas Table shows which ra1R. if say; era rariabM rata. h also tuts the margin br arch vuiabit rate and say aiatknum daffy pwiodie rib grad eorraspondinp APR Two basitast diYt befetedra Cbsinp Otto shewt to you brag etetemart we see the APR tlwr ddy ptriod'c tab ~aladabd es dtscri~btd rboraPrins Rat to gat !tour wiwbtiotvrruviditra clartpetaa datirprrrsie rmiram theprtrfoYS b•tnp cycle haeaeee der Print Red face chttrpad,>hs rasa nee wil aoph as of tbt first day d t!oe- irliap gilt ant ands CA the caltndr rrterMb in rrhieli wt node the ctkrfaton.if drt de'ilylwiaderebGaleres~yer w•therttrptyalaiplrtr pwioAe 6raaret elwpg sad may bare w pry a hiplrsr tnirriirrir payment dsftrdt tlatss: yiter APRs abs may ray it you er. in defmdt under this aprsaarsnt or any attar agntmattyou hart rriir us err any d our rditid trortpanies far say d the totawinp rtasans: • Wi ~ not npde~ !o- tnlr paYwsat that is owed on dais eccoutR K soy Direr accomrt or Iota rith ut. at kut tkt mirrimim peynarrt dw 6y the dsd wd rim. • you taratd yref eradtaiaa ti this account • ybu au-ke a ptTwantta st<drttia not hanard br your bank If arryddaetaratts~ars,waat{iuataatda APibtardodinp ay pramotfond APlp as at babies ftmdelkap erardrekadveactalatpts a maaiamra dthtdsbult red sradd a der Reds arrd Ftas toile Wt lay aaerder drt fatewiep testae d detertire Your dabtalt rack M o~f tfrne your atxauat lees b~ewr der existarrce.earowaassandtiakyd dtfndraaayautaecarntt/rtriadFwfans of your aeettatuatpt sad ptrhrnaarra~ iaferwaisn abttRytYr olhtr talatiaraship rdtb us or snyd our rafaetd eanp~a~ and inbetrtdon rrr ehdkr Trott ewreuorsr credit reportr otrdeid from cred"rt baraatrs. TM ddatlt roes riff take effect as d the im dry d the biRng cyde in which the ttefeYftocctns. Nwit detddt oath inenaa your APR atron thaYph dtart a a dehtit a R wt der not k-ertase year APR up tt the maxiarat ddetdt rate :tiled i drt Rates and Fees Tills, are resertreoer tf~-t b ircratt ~ APIs in dtt sacral d say htwt defatrk Mfr may In our t•tesitioi deteTmia to tdrtape nduesrl dshuh mete a ntirtstab :rgtdtrd rtMt for aN a tsbrtbd htienea en you ietattat Ramrat Chesil GledaSar -- Awrape t~eily bhnse Meld (Mshrdfrq Mew tntaer:dtsrJ: Wt aalcdarte periodic Rrrareee eAarpa saperttefy for ach bilatce atroeiatrdwish•digermtcateporydtrantacboragarwampla,ptrdiuas balance atretert, brlmtee trarahr ekeck; cash edtances, cash tdvrYCt da4, overdTdt adtrancat, aril etch pramdaak That caladrsfont mty eombka d•tera+tcategoria with dre atant ~ perirrdie rstas. This is pow 11 works: YYa cekMebrsrioic fitaince charge for ptrrchtiss, balance transfers, balance trtnshr cheeks. cash advirreae, lade adrrnet chtda~, and overdraft advance: by rtulipfyanp tla dally bilhree br sech of tae eaesperAs hlf tM drtlf ( nab for tech ai rhea earpetioa...ab M- tler may Terri arardrdt dwtees only if you haul •rlred thk etxourrtba ell aeeaYitwfir eat doYrrelead Marks. 1NM calcnbte the pa:itdle •narret dargt pnrdhtstt, bsierta tranebrs, Mlan a tnntder ehtdw ctah advances, led eah drinn dtdts:rd~etr • promotional rob the same ta-+t-. but rea Yet der psomttlonel rob. Toilet drt daily baitia ier seeh drry for neh category: • 11th Tike the 6tpitmnp brlarca for dot der • Yya add 1b dot hiMrree any saw trresssdot:, fete, odor chaps. sad debit dot apply to dear cgapory. Wa add a new put cads tdvarce. • in~traradtr W atrdrett advat+ct, if applicable, b ttk da~babnce a: d 4ie tranaacion doer. a • later data of our chars. Wt add a new casA tdvanct check " err btlinet tr•nslar oMdc to tlrt dally halanet a d the den tbt ash sdvanea chock or balttnet transfer cMck a deposited by a ptryea, or a Isdr dab d our ahoica. • ylla aubtraet from that balance any peyaaarb, credits, or aadrt sdpsmrerKs tbst apply 14 dot csdpory mid dot art eMdad is d Bret der • Wt troat a credit 6ritnct as a talents d hero. To pet 11ri bepittkrp biltettce far ach wiMpory for tbs next dry. rw sdd >Ete dory periodic fatrrnce tdrirpe m the dry brlraw It man than oat dm7y p~r~e ran coiN ippl~t d • crbpory helautda aces for the a spry wry iastd err the anountofAtartrtpedar~rbNancs,wer~raetbed~y' ~jtriodkrtstlrttypies for rho avtrepe daily btiaret aaaetYrt itdre end dthe bNitrg tYde 1r erictdad the dar'Itr ptriodie •rrenct darpe each dry. This apreeertttt praefdes for dory oorapotadinp d •traact eherpts. To get tM toil ptriotc fatrenes cl~pe !a the biCitrg rytde, rw add aN d fit dsdy ppaatr~rodic finara clmrpt: for aewf- catsgery for each dory deriap rat bd•rrp tycla. t#anarever, ifary ptejade firatrct cirarpe is ilea. we re't stops yw st least the mirinrlum ptriaic •trttrce charge atitad in the Rath and FatsTable. gitisnat:essary tp add en' atidioaal amourK to oted tfa minirarte fertnr:a darpt. tam add dirt amount n the bdmret for pwchiste aatda daring ffia bNirg cycle. The rod •tarret ehmgt en your eeeoutt la • br~irq rYrit reN bf the sum d ihe• periodic tnatce eherpta ptrs say trtnsicdon eta tinaae charges. FartaituteaaywssrltaAtt:lraYVarapeda~rhrheree ntw4aartatiarsl for the biitlrp cycle iy till et your da>y biloca ~~ flat ametatt by der ntniher d drys it the cyder M yaw aatddfdyths iversp dory hrgrtce for arargayftydteappteablt pariedicrtrle,sid dreesmdtiydanumlxr d deytit face 611ip cycle. the tpd wit tgrrNlla p~hwrea cfarpes tar that beMnet attributablee/iratbiinp t:ycM. ateeptfar ttitrorvatregots dw tottoundmg. CraotPttitdaadAeeranl a~fRYaaet CMasyttcWeaccrusppeerioAa finoact ehtrgts on atrarsaeiar,tae,arfiraaee oharyt htsrdadtd iris addadtoyourdriya-al•nce untt peyaneetit tulle ractived onyotr ttxount Hotrwvtr,.re daaatdrsrga periodic fnmtcedrarpnonraw}archesesbiaddrringaWfmgcyaledwtnstnrapayaMnt ' d your Nttw 8alanc. by drt dw and tkne your etiaitmtn n due sad Mrt nactbred paymwi d year New 8atara on your env ~sbouaeai ary the ilea tad tkste your periatrt was dw. Tfale mceap6at a 'mtlr+u Pte' spt~ ~V b purehats rod doseatt~to bat iraet tran:fws, hoboes tansfir dtek; ash taMerrce; estk adverrea a owerdraR advances, q appicabla. TneitradtY fete ter Car Adnetraes: War eery charpr You a ~ adranoe face in the eatotnrt staaad h the Rstea aed fees Tthla for•casb adverts stocks sad wh adrsacte. In edditioe, if yoY use a thid parAr servke b treks a ptryaamrt on year befrNf and the service ehsrgas Oa payaaattr Aria acooent we mil ahtrp a treraactioa fee frrlhe percent these traeaeetfort lace art fieatrot ekasp~ tilts add drs fat b the bafsnce fa the rdedd as d the trsntacOan date of the ash adranca. fw txsnyk. a transaction tier far a rash adrartet would a-e addd s- roar cask adwarct btiarwt. Tninallet Fla ter YeleMrotBat~ We may charge you a btHncttratsfir [es in do amoeat stead in der Rteta std Fits Titbta for Ialanca trwrshr checks end bairns trrnsfen. These trsnwctlon fats art 6nmtee tiaepta. tMe add tit lee d Ore bstence fa Ora ~ related a as d the tramaceoA deal of the balance transfer, for example, a i.= tenstCion fat for a lobate tranatar +voufd ix+ added n yav batstct tanshr ~~ 6alaract. OTNEII ittEi ANO p1AtIQE: 1Ate may eharya Ote4otowish fees. TM tmesnp d rasa teas art read kr the Ras .~"~ sad fits Tate. Thtst test ail bf added b Ore babeot to praMsa ands during the biUtp ryele. As>iwl Mtrdarabi~ fit: tf r acearart ha an antwl metrbership tee; it rdFl 6ts '~ 611ed troth yar a n moody r~hsttNrntrtd face shred in the Roes era/ Fees Tabltl whrtlter or totyou use year aecouag tad you agree to pay itwbea 6iMd. Tbr snnuel Pape I d4 CMJ119605 boa is a+s rm eta eaai-teess mtanMrshipbeieaat.ralardabbtadest eaifyuatltatyortafshatdotsY'~t within9g+lays otrra dabwetewlyour tihC riatesnanton wki~h>ho weratlatanbetsMip Ica is charged and atria tnwe t~you half your aoartaetdig ttalaaceia Gil Your Paywaat of ~• tanaalateatberdtip tea doetnotsfteetasr rfgltttaetrtsayaw aecauntartnityew aMinuoto >s~a1h-sarwlsssrnlar:bipfa~eunSNY NYY~oatedndinpbdaneo in fur and taaiarete your account nlatbathtp. tau Fea: M vNe des cot raetiva at least site ngtrirad adrrinnaa psymsnt by fie data and tiaoe it is due es :Naar an your ia"Erp ataewttatt for arty bia0 cycle. w soy dtuge the Ina do siwwm in the Rasta and Fiat Tatda. H the ta4 to is based on a tnlafeq, wa calculate fry late M edy rte ltraviora 8aiwta on rte grrarrtatafdt'i •tatewanttbat sloNa tM tab tae. Tfia bsNnce ie the saate.ea tht Now Bitance altaNai at ire pia mom's sbtratarR tar wlidt NIa did not receive at last Ilia itgiirid arininruw paywettt by dye dat^ and title it was due. OnrWatt Fae: r yaw aegrstbdaaw b oat yon enedrttita bony tbae dueiiag a 6ilirq cyda, two i oily for a dq-, rsa tsigr dtarga ass ooarBarit fp. M/e ear darpe thin tea can tfyottriatatse s a&tho aa~tdrglACarsaofaiMaaced+areaketar arposad or • trserasedon vra eutUorisad. VYa wN act oharoa Dare run aw owrNnrit in fa ar~r billing cycM. 8rtwa matt drag. as otrariarktea is sabsaquent bra cycles, oven B rw new aarnac>ions an and. en your account, if yotrr eccarnt bahnq si! is art your credit life tt say tors dwiq fro aubaaquatR iiNt-tl cK~• Before papraaat Fat tf lal yaw psyasaatehad a sutra iastrumerrtit act horrarad, tbi an automatic debit a ills slartaaic paYraaeR it rearrrrsd aetpaid, a te) we atrst ragtrn a payarsat check iacsese rt is act signed or cannot be procasaed, we mY charge a return paYmeert tee. Redem Cheek Fan: II taiare stop payment an a cash advance shack a balaewe twtder chock atYtwr ragtrast a {~ we ralraeto pay a Bash advance sleds a bdance trap der cheek, wa way sharyo a taatm shack 1a. Admtaiatrarea two: (f you request a copy d a bifmg staawa+t sales dtah or atltar record of your account a if you ragteaat two a tttpra cards a say spacial :.nice: par example obtsiniap arils on an axpediatd baai:L sera way ehage yon for Rasa aarvicas. Nowevsr, ws ail cot ahwga you for copp'a d biMwg >btawaab, sates drake a siesta doataaarrs fatyor repettia a biting dispute yar way mart againrtas wider ap taNr. Mfe .ray ehage, bt cry sarviaa isttd abw and orar serviras NR p de, the teas iroa- tine b taaa a efhu when wo aHt the seetnee. DEFAiJ1TICQflECT14N We may consider Yoe to M in dehrlt ii say of those cocas: • WedorrotroeoiwatNasttMwininwwawouatduebythadateandtimaduaaasbown on yea b~irrg eatteatartt • Yau aoccead Port craditNrrs. • You tai b gnrply NAIL she erns of trio alrtems~ of eery agrwnent with one of our rotated cawpaaies. • W obtsia iNenaaf an that cause. us to baGera tl+at You may be uawiarq a ratable to • ~ ~ /ebb ID often on tkae. • you Oaeetaa preapacitaM ar is Ufa aereea df yotr deeds. it Nle comida Maur aceaattb M in dataultnos MaY close yarn acgnatNdllteertaatice andngrtiraYam Y~~~faeteeiaraaeiatalltlNestaoasayraWiraywtapay interest at fro saga of rw pannstt t2'xi a woutk on Oa umpid bataaca :rhea we deem your au'orert m M it a wore bAitr eYeJas past duo. To Are estwrt panaihd b laty, i you era in defasN bacwae you have failed ro pey ua, you wD pay oKrr ceiecdon cese, sporneys' tae:, cant casts, and aN atlter expemes of eerforeir, oa rishts coda this sgnaarnt. ctotNlufl roueAtt~o»NT Yoe way doa Year aaoant at say lima. if yea tai us to doe yaw account, mve clay require ltatya ceaflM your raqueetia Naitng. Wo may dose Your +ccerwt ataxy lima a aeaspetd yaw credit eta st anY fast tar any rococo wilwert prior ewdce asxapt ss ragriad by sppiu Iww if wr eissa yOnr ace cunt. wo Nil/ cot 6e ia6ta b yen for any eoesartrettFas reauifrq from edesirtg your aeeouM ar snspaerdierayaur enditpriviagas. If Yoe a wr doe yew aceoant, you cad any ertlrorise8 use: etust iware4ataly step usstg yarractsnnttwrddesaoyaYgrdy dtabaradraratewts ab socessyou-aecotarr or raturaUuwto rsrpanrgteeatYw NI17eaa9iMle to 6etnpoatibla tier eltrgetbyour eecaart suer N tray sn ataM w proeatsad else yaw segtatt is dosed std you wli be reouind 1o pay fro ettertasdreg >tattaca est yaw aeoowR aeeordiejj m tM hews of this agreawaat b adlidat. tt the aatsm aNewad by (iNt Nla stay ngrise You b Pay 1M ~befeaearswedadll a at any rwe aht yea account: dosed. PLEASE NfAO TIAS A61~IElYf CAREFl7LGY. tT PAOVtOES TNAT ANY DISPUTE fiMY fitE RESOLVE BY tHNOWe MBfiAA1fON. AfiBiTRATItiNI ttI~LACES TiIE il6HTTO 130 TO t.OURI: YW MflLL NOT !!E ASE TO 81tN6 A iXASS ACTION ON OTHER I~'AEStBtifi{iHE ACTgM tN COUiIT tillCN AS TNAT HY THE FDiilYl OF A PRl1N1TE ATTOAI&1' 6t31ERAt ACTION. NOR MALL YOU BE AtifEE TO BRN116 At/Y CtAtM IN ARBITRAAOff AS A CLASS At:TION OR UTNBI pE~SHt'41TME ACTION. YW Mfkt, MOT BEAtiIFTA BE!'AATOFAMfttASS ACTIONOAtITi~!lt~RESENfATNEACTION eRnet6Ni By AN-tHt1E EL4E OR Bte REP~St'1fTE0 Nd A MASS ACTION OR OTHER J YtAI YUOtfID IfAVE N YOU yYENi TO APPEAL THE OEQSION fW1af BE BELOYKTNOSE RlsHISAREWAfVEO. !•dadArbilraMw.Tlis Asbitraraa Agraewaatiaastdt pwwtwttba Itahrac9en itrvolritg itbtntate gattaarea, cad tdtaq foe oorarned try and !N wlagatla radar fha Federal AriritraloetAetjfta'FAA'~8U.3.C Si-ltiaitwaybaa~adti.TbArtiittt6onlipnanent setsioritftsedrerwstlneas.artd proaadtras undarNAridt daiwatp dalifad balowlmay ba nteMsad by arbiPatarr itsbad of bang 6fipattd ~ court Petrel Conseil. Faille pwpoaa of flit llrbitnfoa Agraamerrt lee; bit', arrd'our also ierclodat our parwK, tubsiieries, aATiatss,ticea:eaa, paNca:sorsr srccessorc, assigns, wry yarehast of yaw AaeorrR, and ai of thtir oifiexro, drntaars, aarployea, a>ftrn, cad assigntor .try and si afUtam. AddiltonaBl-,'wd, b~ and otu' shat induda anY third paAy proridip bandits. wvigt, a prodrdt a caaaaeUaa an'Ih M Aaouae (~netudrng but sat tattled m eradlt hrrawa. wadtat~es fiat ticetipt algr sredt~aics towed undor 1W Aaoiint rewards prograws:nd'saroimaatsarvfew. eta~tiwraaerr eoarpanies, dabteaMctsrs, aerdaHeiftairoflfeaesa, dirapors, aafpbyaaa,agealt and rapreseMstivesl ~ aed orbs i~ wrClt a third paAyitnarntd iy you as a eo~ddatdaatin any dabn you assert pahstrn. Gaiwt 6oeasad. Fitter you a vn atsy, wtWotR Ara otter's carseat, eNct anndatbry, ~M arbilraiort of aety d.irw` ~a a coafrowrty br«Iha ywr avs against the over, a agditttfta ewployees, pantrb, srbidiadai. afilietas, 6enetician'as, agents or estigns of rte other, arftktg how a r•~rq in anp way to 1Ma Crdawwhar Agreernarrt anyptiaGedataaaisrAgreanMtyow eardAexarrrtatbaadNtri:iKp,aPpieaion a appaeal ofyov Aaornt ('Cwaa't. This ' a0kn Agraawant gotsrn: aY Gaims, NlJttdler etch l~aiss ae bated on lewC stasute, eaetrsd. ai'itence, tort; rawraar laNy coastiwtiaaal prevision, or any laaa! theory o1 taw wck as mpondeat trparior a ssryorta legal or puiptbM /otrd a whether tact faa6aa stele as temedics marry damage` panaltie, fajrrtctbnsr, a darderatory a egtdtaNe tdd. tAiwa subject btbis Arbitradat Apsaatssttrtclede Gaianragadspfteappicsbigrot frisArbiQaaon Agreewantar the vNidegl d tM ttdn Cardwaaber Apreenrerrtar eer}r prat Cardateeo6er Agsaamant This Arbitra0on Agraeawat includes P.laears brat cross w the past or arise in die presorts a sirs httare. A: used a this Ae4itrattaa Jllrsaaratrt the term Claim is to M girsn the irrada:<posat'bio meaning. paaatsrbjaetto arbitratou IeidYede Cltirrstltatsreatada aseouatacMitt:, noes claims, coNu may aktct irbitr~ib*on vrrdt e~ mr aw:h C~laias~idvancad ~ ~ lawsu~by s~Y t~M ar p~• As an etreap6on b ris Arbifrafon Artaeatant you ea/aia lltt right b sue in a saran claitaseorRwgdaiwfratiswAlwrlhrteow~C'spri~enand soaanindiuiduai baste. If a party slacx b arlsilrala a CFaiw, the arbita{lwr will bcotrdactd as an ind'aidual action. Naitltar you rwr NIe agree >A any xbitraUon ar a class a npresatLtin basis, and the eriritrator shat lave ao stglraitY to praead oa web basis. Tars meant flat even if a dut:clatMwauitaetharrpre:tntaiw action. st:dt as iratitthe fan des private attaaeyganealsctioa,is filed, anydaiA ireaaearrsrelaledteAtsiasues tossed m such (awsuio< wit M wtKact at sa individaai arbitration claim it aedta you a we m elect. fro arlivaron ail >b wasoBdatN Wirt any char artritrstion pracaatl'rtp eaiftart do earawttof afi larts. The only psiwa that mM b• lilted is an indiviluai action under dtaArbNradost Agnartaretsn ti}droa brougbtbyLSagaintltyoo and any co-tppCeanC ~amtm, a atrdtorioad area of yaw Mxotatt a ymr leis as yorr tsttateet (n a R! dtose tror~tt a yon cad any eoappfieant t~ cardwewber, a artltoriaed sloe ofyow Atxotatt, a Your stairs a year aactta a baakraptcy agaxnc us. kthidiott at AsHtttilian. The gaty ~ a Claim is ar6Mafwr east dtooss ono of stye foriowlM taro arlMftan adatta~trabrs: Aateticen Arbitrator lraaoatedoee a tVatiatat Artsitratfon Fave.Tkae alwiedaaators an indepertdtttttam us.Tkeadatdnistretor does not eatdret the abilralan. Arbitrataer h eoerdrtetN ands flta rolls d fro seloeted srbitratat adatiris+ramr lY an iwpaedat ford party dtosen it aaordsncs ndfr the rules al fro sdacbd arbitatioa adariaittrater cad as may 4a provided in the Arbitrator AgreswaaG AnY asbitrataet hatirl Ilatyou atlard shag be hsN at a plats chosen by •lra arbiraior a arbitrate adrainiatraaar wirtir tkt tadera! judicial drsrict in which you node afro data the fxsittr b fW, ar at some cyst place w which yoe and we ogre in nsrtta~. You way otrlakr copies d tM Overeat roles d each of dw two arbitrsfor adMirtwtamn, itferaafifon about aataton end arbitetfion iieas, end brattueUona for iaiia6ng arbitrattoa fry eeattcdttg Ate as'hitrstiion adwaatreeors as faiawa: Aataekaa Asbitraraet Aaaeladaa, SXi tNaihon Atnerw, Rat iQ Now York, NY 10017~Mksb sits: www:adeorr, IOO~.TA-71179; or liltUasal Asbftralfee laeraa, P.Q Boot l~181, Minneapoirr hAN X905, Ws6 site: wYwralbitatiosrfalvw.oarrt,100~474.2371. Peeeadusra nil ~ a aelknYwe. A sirtda, rratr>ral erbitr+nor will resohrc fTaiws.TM arbhralorssil wlnw M alswywwMft atksatenyears a~wiaree as roared ar fawn judge Tta arbitration N!I~i 6a Coadreead urt~r tba aptNwbls procedures and miss d the arbitatioe adwbtigraw flat era b eHed an tlw dose fu arbitration a Bled unless Uwe pprraacc.duns add alas are irteaersisweK with flit Arlitratoa lyreement M which asafdaA/raewwttNriN prarai.Theaa pevicedusts andrufetauyCreitthe eerount of dgoorsey avaiabie tt yea er os. Tha arbitratssr Noll avply eppNeabis subtwrtw hw corsiatant NIIrI fM/n~FAA and applieabN starssss of fiadfdirna, aM wrA hones eleims of oorittlumar~iitaaorw'itabrsawtpblssspsto Aeaodntafwr~i cad altar confidenuel iafarwaran. iucfadiN tfta tssa at praeistr~ adore to prohibit disdeswa auarida fro arbibarar. it reeluened tc ~ ae tiyyai or Ys. The arbitrator vN1f stew the porter b .wad >p a party say dawales a otMr relief provided for under appicable (eMt and nvii not battre the powtr to award raid ta, again{, or for t!u 6aaefii d any parson nrlo b not a par tsAre preraedittg. H fie law etrrrorisss such reGet, the arbitrtta anal award paairw damagaa a atloroay ba. Ths srbitator vrli wake orgy sNatrtlir wsrbrrf butnaadnoRpravidrt a sbtweaetd reasons unless requesesd try a pang. ria na ird. t by you a u; the arbitator rni provide a 6rki shteraoert of stye rusons CaatR yW ail nbtbwaa yon far Uw irtilN! arbitratoa H'iti fan pail ah- yon up to the aateuat d fiiiOD upon receipt of proof d payatwst Adito if thole is t hating, tiro Pa~geSof6 ~ CMA19A05 wit Pay +-W bas d qts arbitrator and at+Rratiat adlefitiwalor far tM fir:itwo days dfiat Tha peyrttattd any acb Haring fans by a w7 b. wsde dtraety to fie abitr ~ r adairiraiior seNcp~{ by you or ai oursuent to tlds Arhitrstion 1A~gqrameattAi ether lets writs atloeatad kkttepntg wtlhtMLUlu dtla sddtrath>fr admittblratwattdappRcabfalaw Mawswr,wuwl~sdvancemnimburwitwaq(wi and othw foci ihM srbitra0on aimptiAata w arbitatN dsearrleee {here i<good reaon tar squiring usto b eo w yw ad trs and sw dawarbta then is geed Gaon for long is Cieh prgr ~m11 Mw fN errporrar ddrr taut cad tour otfiat oirty's alboretet-a, arpartr,wihrpeeb demrrer4r artd uOrer rag atdess dtedtieh petty prewis, br arbitetan and aey appal Ns ~bebnrL taeept tbst the wbitap flat atN~r iuY Ml~u1M lew lu dulrruridfr4 ~rhe0rer u perq shook stover any w dtlea arrd eatr from onodrar poly. EstercaretaR tisa6pa •eesatw twiiwe or sny ddsry in onhrciq vets Arlitratisn Agroemer-tataarlbae, w werectitawhh oar prficrbr t~aMtt, ww not eonetideb a waiver d any rights b regris wr8tlyatien at• titer tMra w it cermactioa whb wry otlrw dis.Anr daciNonnrdetad h stab wbitaKon /rocadiM veil 6e lino! and widtia 7gdays diortanee othee awwd. The sppaalmast ngaasta rtewarbltatken before • gene{ d dree Wawa{ arhitrabs Msignabtd br Ore same arbiaration orga niration. IM praN veil reanstdN atf tectral cad feAal waves anew, foYervifre same runts drat sprl r eo a pocssdiaq u:irp a wglo sxMtrstsG and make decisiats b.sed oa M wxa d tlr. majorigF Ead- pwq wi bear theb own ass. oosa and expan:•s [w ear appsat<Mla pargaarrreovstanyar aNfae;eaets and erpbersas from snaMr pargt i >Irs w~or~y d ire panty d wbitratttts, spplrktq appTteabla Iaw, :o deeQSerw. Ae mNwd is arbkratien wit b• arrtorceable as presided br th• FAA or otter appiadataw w arty coat ftavdeq lnritdicOen. Seversbilifr, sunhral. This Artdtrsbirm lyreameert sfiap survivac (r- tNmiae6on or changes hrM Cardwwbw Agraawrttthe Aexoemtand the nlttwrsh$bstwern you end us ~an~~ip~ the AeeouR uelr a tM iestdrtq d'a sew aceastt neanber a tfte trenslwritq'tq of the baleaea it O-s lkeouet to anodtN atxourrC fp? tAe baakrupty d oar paAy or tdatiN praeasdstg iniliatsd 6yyeer w as your 6ehall; and lr~-potsaent o! the dek~ brit w yea w by a third pertY. H srry portion d this Arbitration Agresmatlk dseeted irwNid or uaafarwsbla; the reaehiing portions sMil aaradtefssarentainbt force. CHAt1tiE5TO TlRfiAfilT We can titwtge drts egrotaterrtalstry titnaera_ystdtass d whetter you have access to year aexamt br aMinO. daNdng, a m ~M arty praeisisn. Ow right to add. dNeq or sredily proebrloas indrdee fmrrrei•1 bents, soeb a rite APRs sad feys, and otMr terms ssd as Oa uNUrr, wotent Ord aaforcamatt d rite riphp and ob6gsoioasyew N we aurrttaw MMuq folds trgroetna-i hfodR6otions, addrdonsS or dehrdats an tagad'prartga' ft a'Qrmege'. W e veil notityyw of any Change of retprired W ~picsbk ~ Thssa Changes may bt etlac$ve with natica aetK attM time atsted in our natka, k accordattca wilt aplr[iwhk tart Ueleis vre sloe odtwMiee. ary CMnge wim sppy to tM unpaid tercet anytrw atroerntaadb nesrtanaetorte. The notice veil desorNe art rtphls yet matt flare with esxpact to say Cfiange, and dreconsegeerrcesi# Yar dew do uotatsraceirue rplres. kr s~ampk the notice may state dtuymr rust nodtr os in wriOng fry a speeifwd dab R you do nd weart to acetyl tarots Cltougss eve are~a~ ityyoouu ttotity a iw writiaq that you do not accgtAreChaapr,yewauernt is~duaad~fllisemtabradttebeadlandYou writ be 06igaMd is payyew outema~bedrrtcr uMN the appkahls teretts d be sg-Nmaai Ryao do aetnelifrta in by the dine ebabd is Ore notice, w i yatt Woof y ea but tMn ass goer acoamt after rite dab slet:d is the nofica, You rrt7 be dennad to accept all dmoga in the ao0ee end b accept and cemRrra~aR tattoo d wbeth~ir here acctst acoorat ~ we hart sent you repudNss of CREDIT INFORMATiOM we ensy parierieaiy rwreewYatr exedthiatsry by obbinirtg irdornrseiae hom credit bureaus and others. We may raprlidorrnwtoe abartyau errdTour accoenrtm cndlbunaus, btciud'ntq yore tar'hre >t pay rs an thee. K you r:gwst adr'datel Garda oa your aecaemt tin others, sw sraY repot atxoratiforsr•tiat in your nerve as wet ss in tM tonnes of droa athw Me/1s. if You think tea Irate reported i»aeraee brformaton b a credit bureau, you pray wrila b to at the CerdmanMr Sesrke aldroe: Rated on your biiaq :asemant Please ireNrde Maur aane- sufilraa, itceatralnumbae; ONepMtre number and • Mist deecriplien d1M araMerrr. l-arailehla, prase pewMe • espy d tta credit bureau nporliiao ruaslior-~Niir~ wiA proerptitr invesOpb On troller and it our irnesdgadon shows thatyau rn debt see wN eaerbet eadt aaditMeau to which err rsyarled lheirdoraaYat andv~iryaesttlrryearraextbetaport Have eReegraewitlryouafter as arvestyaion, tee se1N M Yoe iA wrilMq or fry telephone. yye veifl Nso etertty tba credit bureau that year ditrymw ttre idoretatfa- mess you let ns know that You no MqK tM ittlonasioa NOTICEflICf1ANCE OF pt~ONAt.IRtl'OpNAAON WewNsaMsw/r. sfaaraalsandeOrsrealicaseoyarat/haaAdreasshowa in ore tiles. Or, if Uie ie s aocaeret, rya Garr a.eed bN4rg sabulr.rrts era etstieees m eat iduuewemtMkec Naica m amt d you veil Ire r:msiderad notice b ai d you sM aN d yet set rarerw obRpsled on the aoewueit Nyor charge your nem. addraes, ar haere, eatRnlw sr brrsrasts lshtpMtra mnnbw w amai adds: Ef yes tied m treafra bieO spasnesnts a- otbN rrn&:a oeiwL Yes rtu:t mrtity os irnnrediafsir bt at1M atdroes drown em your biiip sbibururrt Mhr Bray, at outoptari addressoarraeiansiaratMihrbdSsaseePeeWService nth mareanaetyaa sbsufyserarxorw~iaededirtg IereMtanrerserrriexNOOiaefon, st airy tddreis otleaphenettumMr a wet ss tery t:aRuitu ilNptrone tturtrber you protride us. TEi~'lNiRIR MONl1T01RpH AND 0 Wi, std R appGeabM, our tna, mR isbenb• and rrcard yourtekphone cats witit ua. tfou agree that wa, attd~ app6eable, our agaatR, mar b eo, tubathw yea ar we ittitate 1Ma telepfroere Grit. you atthedaerabe Mneardr- tnfarma0on aboutyoe sndyonr aecountvritldrt our famiy of aompnries, and tsidr others autNde onr famiy d eapanias iodudinq any aanpny w wpsdratoa snirent ntmte or raarlt meh apperr an rite tardy. as psrnifbd by law. Oer Priwey PaGcy, whkh f: p-ovidad to yerr when yor tier raaiw an agraamentand atMetortce tech cahsshr yaau•theraaf ter, dae~p oar inhsrradon +it+~g Neu wi tta ahoiws yet fiver erd e0r.ef+ons you stay !e+ ae about our ehaebtq d idNmton .rorR you .nd your .eeouae war sourp.riss a ~ d our tastiy d companies. liirola tear ptatrkes that Na oay trot shwa irrtoraration aMrtyor with c or adrw argaaEp~iens aueridr •f cur ftmr~ d oeurgauirs rmMss Yoa diaNature ar rrdea Ore ditdastrn iaRe antes arrottar eeraeptatt k flit brw latch a. abssisq inNrraradan b proses yore trarmaediorts K in rrspauwm a etrbpoaoal. llor herabr agraa Chef, i you ehoaee e-otta auaisemtl~Mtpfei6h aotoutdeseribed Tn ourPrirscy Poic~ yyooeut vr~ M deaanad la Mrs rrited us oe sham personal . irlormatiaq rte bane sboutya Gmdtrd'wq brlormertoarelafedto tnrdtM products ar s.rniei you shay have with +W d our eamPr+dasl widr companies a other argadsatfeets oursidr ae cur ralsir d companies. T1llaAaleal®liT Mf.canddayaa(o-cinq arnetadwcearrrofourrightirrrd.rthisagr.amattwM losktg our rigtd m anfwp (hear is the furore H any d the taa-s d this agreemern~ ere form M be ernsntorenlabN. ag atbr tams rdR remain in full f once. Af~Nltti~irt Mfr may s:dgrt yoer axauat arty amaont: you srtre a:. N say d our rigbd std abRgM under this preemantb a third Part TM petaen b whom we mob the ~~~ lAW en6lbd to any d am rights tfiatree assign b flat person. THETERMSAND ~OFTIRS ABREEfN1~dtANOYOURA000UNtt SHALL eE sovau~ AND INTERPRETED ild AtxoROJWCEMIfTN FEDERtit.UWAND, Tf! THE EXTFM STATE LIRiV APPLIES, THE LA1N Qf t)ELANllIM1E, WfiNOtT[ REGARD TD COIl(UCT-QF-LINM I~NCIPLES. THE LAW OF ~/IMIAII~ MIi~RE WE !WD TM~ ~~ ARE LOCATED. Will MPI.Y NO iYtA7TER WHERr: y0U WE OR IJSE FOR R'~AON Rern etd M Cardeaesnber Sarviea beklMre rrmrber ar yow qrd w burg sOtYmaertityw bare arty gaesMrs aboutyour aecauntw this agreement YOUR RRLINti RlaNTS Rrip Tide R1ef+ea fir Faerw Use 'fhisnstieeeondirsiwwprrepttfatwmrtlon ahoutyorrtighd and orr resporeri6irdies under M tyFr Cre6t Biting Arai NotNyUe~, Coe of Ea«e or QraM Ahem yft.r e~+ ff yon tbirdt your bit is wrong, w tpu aced son infaar.dar about a tran:ecdon 0o your bilLtarilr us on s sapNm sheetetthe Cwdrnambw service.ddner ebauat ony~c bTiMg spOmatR M/eRe 1n us as soar a: poas~la. Yya atrsther troar yy~~arr a Nfer traa 60 days abet vre sent you Ire first big as which the error or problare appapd.Yatr can teephone trs, brt deeq so taip net prassne ymr rights. to your {alter, give oe the faRorsinq aforatatfaa: • Yow nsare and aocaatt rnmrbeG • TAa drier araowitdOtr tug error: • Oaofie M serer vent ~yenr cart whyysr bsiarra ths»is an e-rsr. H you seed mac idwmaMt„ describe the bear yoo sn riot tare abort Nyou haw aAtaritad onto fay tour ored'it card hi etrlomaicair tram yow seerings ar ehsehirg aeooutrt: you can stop tf s PaNnaat on any amamtya drirdt a wrong. Ti slop the prymrat your krtpt trwst rnch rA eK teestttrea badness days befaro 11te atrsertrtii prmerrt is se:Mdntad to vexee. Yaw Ripka And OwfilarptaeifRiia Aftrr Wes 11aeaM YowMldAe IMOn Mfe atast aekrtosdadga yarn laver within 30 days, uM we have emrrecbed 1M error by tftsn. Mfldda ~ days, we rm,st sitlter correct rite enrr ar erpkdn why wa 6a1'mw ties ~ was eeereet Afar tee receive yfurr l+at+t sea camel try tp eolktst'sry smamet yea epestion, or raportyer a deRnquani yYe Carr continua be bit Ya+r lw the aa-owttyau proaiort, irelriugirrmrsadmryee,ardwrcanapplranyuapeHamauat~u yorrcre6t Ibre. Tat do notbaw to pay aaM 4r+affaaed ataarntrdrle sna ese irvsdpatrg, but yea an stN abRgaar/ to pay the parts of yoar btu that ors not to epresion. It wa Rnd Mt tw made a eabr4M oa your hip,you grit not havo to any Rnance eatarges relent m any e>,rastioaad aatouat If we dhhti wake a mistake, yon way haw is per fenanee cfaryae, and yes veil haw to sraka up am miiad paytosnfs on . dye gtmsdend wnauai >w altlrw case we wit seal yor a aaMeetartt art the aarauat ^ yar owe std ire dabthatitfr due. Hyau fitito paythraraoanttbatwra tMkyov owe,we may reportyou u de[mgraai ~ R ~wgMtstion dioa~ ~ytu~ d you wMrp m us wi0irr 10 days i us Mt itilrafeaeb ropacyeetathatyou hawaquesinabortYOrebii.AnAweawntla4ymtMrrarseafaegrorrnsrnporeed o ~~bYYNtittermtlrAaaharwwtrrportyor/othstAresraterhasieanssdedbeevean ~n It we dort"t follow Mee rWes, vw can`t toilet dye Mt S9Q0g of the etuastioned ~ mnaunC arse iytrre biR tws correct Rred~dlblafN ttenRt Grd Psrehsate Page 4 et g Ch1At9606 rsesst+a rosy nvq ts+tnrssos N You taw a go4{wa wAh M d or awrices lhst year purebaatd wAh e credit wrd, end yea bow ties i~ 4o0d laitlt b wrrrct 1M Onbbm w~l! d1o ewcAaaL Yw tail hew tIr rrihtaotta ~ fire nmaWq anoent dw on tlu property a aanica. This right does alit eppiY is cbaek transaedeas.Then era two iasitatiara an this right ia1 Yon awRbsw made tMparebaatinYaarAoma atauer,l/natwidrin Yar home state; wghin 100 miss of year wheat maiaq aldraaa;and (b1 The parches price mrathaw been man rhea X50.011 These Cuaigtians do notepplyifwr awn a opazate 1hi merchant, or ifwi iaaiiadlfw tie ed+rerosement hx the propMy or aeviae. Copyri0ht 020ti~ JPh+bryaa Chew ~ Co. AM riphb ns~ved Paye.S o18 CMA1fi05 Please see separate iasort for inpertaat lefer~atiea a0eat rates, foss eel ether costs. tw.e Ba ael~le Blw.lw w.rc rr. Piwle ew ayBr uBaa. • Fan ~e ~ti~l>:Rx~; :' K.E.\*~t:t. Cl cis /GS3~ /o.~/ /D 3/ SZ p4.T•caS ~ 9 a5 aarws.adywwAe.rrooF~~ adrdeanlB.R,a.d~ M+Mdl~~adrM.a.~•p•FCed, " / ~ ~ 7 .697 .ZyS7 ?/7 b97 ~yS7 80 ooo.~Q n Me w wua"~ ~ '. fi F d d t"IR l~ ~"ed lh ~~ / l Narnxigio+M ew.rrBeFrwa em.NnrhbwMmxmmr' ~ ir ~ m, r u 1 ~ IiYnneaolydnaadq'sM~IMI : `1~i~~QI~L GXP~d f~ .%~'^a'.4:aMda~port arsoprolr moMWamr Ytmanu0 aorOrm~Yd -brni M tWMRbb niWY d ID Xlboet fac d ~' (/ rQ/IAMMMeNMMyMMMfM7fMYfPRfacmtd7aeaa ~ou Dno .. W p ~ 1 H pr V t+anaga aYaaeY~gtln~anoaYdaenay7fauMlnpanae a anaw aw ~r ~ R ~ . . ares e ,e . tedrrorda s wea . mEnoB eeewlwnX S wwE,uw~maa (oq~argn.., w..r~.wpv R~arna dwanwv+w~ wua w rmK _ AA+rMr~ ~ i31eRomaraMawtlarroda(NdnaonaveaMwncratwrr Cdbnl,rav •ASroderelra+r obn DMcowr!MMrk~n Fieeon!aony don weousurMry/R~ad E'bwnory oowoeooont krouK ~ ,4sodelWiE,rpFMroaadlom) I ~~1, Mr. lboeld N. Swiderety I~ 6t 1 Put Hille Dr Mecbeeicaborg,PA 17033-4967 ~rR Aav,orNnew/mYraara~rcrol . Ti 87 jaYES! FrwaenomFeawdmma.ow.r,a«eearanwarur ^Nyeu rrtlK~~ e d ~M a S/S 1fN K SWJ~GIFS~y . bm ra~emw maa . _ -' ~ - • - - m e rnrw~. ._ . ~wdr_ traer~. ~ .. ._ . . _ . - - 34X7 1/p 1&FQ00 93810247 0060 lnvitByon Number: 93910247 0060 Oder Code: KFQ food Until: November 7, 2005 ^ 08180016 n ya/r~M a. Putlam lna are waver Me AKC bp, rMae eAeeit hen. Choose your lawrlte breed ro be picNmd an your platinum Irtsa ard. Choose onyx Al! rwdes hsGrd bebw apply ro sarra code : 54X7 ^ 08420018 MNeIlnSlrelwd ^ 08380018 BultlaB ^ 08580018 Ephn9pNper8pa4ll ^ 08750018 MIYeYaePYroM ^ 08870018 Aolllrlr ^08210018 Bwalbud ^08710018 ~ ^08580018 GamriSlrpAdeDoe ^06730018 NYWeBohieiar ^OM70018 SUMYidSleydoB 08280018 ~ ^ 90740018 CmINrlenpChrl~ ^ 08800018 BdeanBMMYrPOinler ^ 90750018 PllBiee ^ 08890018 BMTar ^ 08280018 Biclnnkm! ^ 08400018 CHBulha ^ 08820018 OaldeulMrlais ^ 08790018 ParMelrlBipQup ^ 08950018 BMrYalirllr ^ 08300018 BoponRnYr ^ 08/80018 CadarSpuid ^ 088/0018 Om10en ^ 08810018 Penrain ^ 08870018 YMYrrarr ^ 08320018 Baer ^ 08500018 ordahuid ^ 08850018 talradorRd~lFm ^ 08830018 Poach ^ 08890018 Mlgt MldiglTnla ^ 083/0018 Seely ^ 08840018 Oaeanrn Piroelar ^ 08890018 AYMla ^ 08880018 Pup ^ 09010018 164ollbArar • FaD HERE l.AC3BB02 Statement rcr.oooturt num6r: s2ee eao BBQS obis N.er B.rnc. Payment ta. D.ta PeN Dore Amaxlt ulNnxrnl Psyment CHASE O SS6.SS IIf90r06 io.ao slo.ao Arrant Enobrd ~-.1 New a~ ohaak pa~rtlbto CMn Crtl Mrvb~a. -nW7 Rlnt On book. 4266tiV1065280578000010000D00959300000D1 asaaseorzeoemc L.dIIJr.Ir.I1L.LJIrrdrLrrdld.IrrdloLL.rILrILd NAID N 811yIDER9KY 71 PAPoC HLIS DR CARpAAENBER BERVICE MEC URO PA 170tS64ti87 PO BOX 16169 VALM6NOTON DE 19B8t-tit69 l: 5000 L 60 281: 20 3 L06 5 280 5 78 iM sbt.rrr.nt orb: tdoerg6 - 1 tlgbros cuSTOM~R SERVICE Payment Drw orb: tt~ In us. 1-ees-sos~me tAk,krxan Peymsd Q»: S10.oo s+o~ 1.868.448.9906 7DD 1.80086-e080 owls. U.B. ad aoMot 1•s02.604-e200 VISA ACCOUNT SUMMARY Aosoutt Nnnber: 42ee M10 s6280678 ACCOUNT WOUIRIE6 Prevbw Balrlos 50.00 ToW Credtt l.kre 50,000 P.O. Box 16286 ~^~°A' DE 18060.6288 Purdrw, Ceeh, Debts +586.W AveleWs Crsdt 56,80,1 New BeWros 86,89 Caeh Aaxwe LJrre SI,lt00 PAYMBiT AODRE88 Avslsbb br Ceah 51,600 P.O. Box 16169 WYrnkrgbn, DE 19888.6169 VIER U8 AT: TRANSACTIONS Trerrs A^aunt Dab Flslsrerroa Number AAsrdrarrt Norms or Troraadbn Dasa~tl0n Credtt DeMI 1 1 1 11/09 211810 010224 H 48 O PA 90.86 FINANCE CHARGES Dally Pedodb Rat Corrssporrdhg Average Daby Balance Finenos CMrgs Due Trerreso0on FNIANCE Cebgory 90 days h oyob APII To PedoAo Rab Fee CNAROEB Purdasse .0000096 0.00% 50.00 50.00 50.00 SD.00 Cub aMarrcee V .0828096 22.9896 50.00 SO.OD 50.00 50.00 ToW flnerae oflerges ~ SD.00 E11ao0ve Amwl Parosrrbga Rat (APR: 0.00% PMaw sss rwsrss aids for bWnoe oompwtlon msbrod, 9~ perbd, and o9rer hrportent hbrmatlon. TM Correepadkrg APR M Ore rata d krbrest you pay wlrr you carry a bekrroe at erry trarwotbn aabgory. The Eflsotlve APR rapeaarrb your total brluroe charges - irnkrding aanaecnon lase such as cash advenw and balulcs bansbr Isss - ezprsaad u a psresnttps. IMPORTANT NEWS As a valued wndtrrerrrbsr, you ere sBglbM b rsoelw Mgh- gwBN merdwrdw rot eve8ahle b Oa gsnerd pubbo irarrr top braids such u Larrca, Torrka, Disney and morel Jrtet go b www.vak.sosnbr.aom and enbr h 164099 wMre tt asks br your asrtNlcsb nunrlter. Ad Now. tprsntltles are Ikrdlad. Trice 51000 Fbride's Meal dtnre at Ale FeMy Farmalll Big sevkga cn 2D 16s navN onnpss, gnpehutt or mbrsd. Fleet Ome txrysre orYy-S?A.86 plus sBH, IYdl2, ends ov16. Vleil www.ergoyGtrw.com or cab 1.88&291.2814 dept. OWc. Save 16%whsn you send bowers IfOnre for Ore h06daysl Cebbreb tlrs oobrs d Ors eaeaon with s besu9ful sad emrgsrrrerd debvered by a lo0d bodet. Hundreds of gbt Irises b ahooss homl Order early & save 16'% at www.999.9owerdub.oan 8 uas pmnatlon Dods BNN68. This Statement is a Facsimile -Not an original ]{ Oe000DJ F18~e96 C 3 OOD N 2 0a Ow11A6 Pp I M 1 WaY IM AN sezaa 80n000009000re26lOt Page 1 of 46 A https://instantimage.bankone.nedStar/action/Print.do?pageName=CCStmt&nTotalItems= l2&nTota... 8/5/2010 Page PFsus PW W Mormetlon below oldy M ris eddron Fibmrlbn on hoot b Fnoonaol Ctty: 80etr: Lp: Floors Plans: Wade Phorr: F•-rtrR A4dress: L AerW,rrrobe 1.a fiMreMlYrtrrolrMdran rbbY leas tr W lr1w. W ay.wNreYr aMla 4 tirr ~wr°~~.~ar~aub.~w,raynrW'y~rei ~ r. m liN n IooMJ b loo real. a.lbr Y d er dda (mp M tle! !stir rr rrrl rti I pr rrr ~ ~ rrr b.l ae b .Y sY pr a M w~s~y~yWdy Mraslp wFabsat al/r l+bpYlMw rMrt1Y77h~..Y1 1r~-Yw~mlFaaM w~laMM~iar~Wa~ltla Y bM~Od rr.MIY~.~bbtl~r~~~/ bMpatllbwb traavealw rbrt lller rrrlbdro/ }.err aArb ~ wr'rw~wlnaar+~ ~wrbapwlyeay pY~ao .rd raw. aY~`Yiu~K ~ tr .~sm y.. hrw it Y~ IMa4 IIa.YM leaf a~alalrt..~ear~~oo~ 1~oo~Yr rberr eat aMr eiraiproi r rr ely /ebb rda a rr Y. Y votb..vYee Ri rbY YerolY vY qw/, rd r Yda d evioM rNber.dr Y~rrib A/enbrrd Yea O.bwir Aeweoe rrriee llr b.vYler debYVy YY.9~YYM1! ppa~ /ebeorr YP.ob.baar Iron o.e leer tree a1 oereo, r drl lerdo., Y r rrdo.W b n.ar.lr rM IbMwtr~Otbrf;abwl /~aa~rd MYwR Yw .i M Ys ~ Ibaa 4 wiai.w~ewr~iwMaaasl~ia~ib~>~YiY~ilib~Yr~~o . w+rWeMlisMr~ir.7ri.`~o~w.air°I~NiWw"~°~a,i,~~Yw~ MwY..rbae YMwrM WreWrlvYrnbNWb/ r ~r~b`rda~Y.abW.lwwll.aaNYMamulbd~bp M1Metlr/eMIrY1111 Y en drr.rtrooe~Mrtrtt fp.ra77~rM-weyalya W wr bee.er ew.l..er r aor M1 wb prrrbr eeNr a . rber weM.ertlM bM/Obllror.ore~~YblreAOa trYw.eYrr.bM rrep.YrIMrMMYaaa p.lb. •Ir.l1l. r MMo+YMMq bM MAaa'Na Apb M I.alr, ~rrrbbde bbadb. .'ea.va oel that reee •ralenWtlranoltlar •o.err.~arwr.lra~..rrr~.bla~bw-..~a xww ar Ider W., Yet M le. yr n .rr ~ W. Ywbrl W bb/arywealY Wbn Mb w n 1~~y~ 4aya n ~ .Ulbl b /yr rr M fee Mlle n rl M boa 1YIb w WrrOb pa erle4 w era eW p n line/ a Yb Ya b ale! M one yw psi.. l yyww YM eYSb/ rb py pa aN al ai Mei~aY leaps rb'r.beee rmal,~pabeopo/r~~neoaaddaM nslpp.W[Ywap. byr ~ay,~YYarltrelrrbreerdr tlrraaebr .nMMn- r i1 erreJ ire lrtl~ r e W Yr later rN bM M nbadll.aa YrYe~4ibm: MYMYOrrlfe~v YfpaY W.pe1MMb~lyd /Doha rnbredp.perleo/I.vollaoe rYM•.tlWO.ri toe lw W Y Nb YbbenAM IwM~eNM nrarLlai I've W b 1rr vaeYarroba.edw lOOWelp.Yob..oNeM r airs rr~~ena..rYpNxrbrebe 1W dtvnryeWrTrerelrbrt.IWlraaopro M moeeR a lr ri/p.r Yrr W trr qey aa~ohr. rA071006 of 46 https://instantimage.bankone.net/Star/action!Print.do?pageName=CCStmt&nTotalItems= l2&nTota... 8/5/2010 ~~~~ Page 3 of 46 Statement r«.e60u4H number: s2e6 Ba9o eB2B o67s N.w B.I.he. Payment Due at. Peat Due Amount MlnMrum Psyment CHASE O 54.66298 17/9gV6 50.00 599.00 ~S~• ~ Wlayaur olwok p~r~b Chew Caro Berrleee. Tex tlme M hero. Mekf Amount Enoloeed 1^---~ Nwv tlerw ar rme4'1 RNt on 6xak. your r o%d~l 42668410652a0578000D9300D04682965115531 ~swa9xze~ec LrJIbLJrdrLJrJ6~ddrrrJLldrrdLJJrrdLdlyd DONALD N BMADERBKY 611 PARK NILLB OR CARDMEh6ER 5'ERYICE 11ECFIANIC PA 17066.4987 pp BO% 16169 NALMINOTON DE 19968.6169 ~: 5000 L 60 281: 20 3 10 6 5 280 5 78 iA• BteYrlMnt Dale: 11A1MD6. 12At6i06 CUBTOML.R 8E11VICE PeymsM Due Dale: 12r9d06 In U S. 1.868306-4018 MlnYnxn Psymenl Due: S99.oo Eea•6a 1-eee-44e-ysoe 70D 1.800.966.8080 ouWde u.e. aell cdeot 1.902-684.8200 VISA ACCOUNT SUMMARY Aoeanl Nuetber: 42M e41o e6a 0876 ACCOUNT 6voawEs Provbue BeWwe 596.99 Total Crodl lJne 59,000 P.O. Bar 16298 ~~~~ ~ 196QG6?88 PeymerA, Crodb -510/.29 AveY6N Crodt 54,977 PuroMw, Ceeh, Dsblb w14,665.92 Cwh Aooeee Una 57,800 PAYM@IT ADORE88 Fkwias Clri9w .527.94 Avelebb for Ceeh 51,800 P.O. Box 16189 New Balance ~882~ WYmin9m^, DE 19886.6169 VI61T U9 AT: TRANSACTIONS Trw ~r4 Deb Releienos Mxnber Memlwu Name a Trsneso9on Dsacrip8vi CrodN Deb![ 11108 7A1640769f0196'7'9144047f 0107218 00002248 YOF6C PA - 68.80 11/06 244/000691026U89861818 /1889 MECNANIC88URO PA 67.77 11!0'7 24446000.112'2866717/8916 BJ WFIOLEBAL.E /0026 WOX WIRRISBURO PA 109.28 1 tA79 21164076919498808984816 08TH 8FEET2 000022/6 YORK PA 29.60 11/10 24161070.91 12860826 0102218k1EETZ 000072M RK PA 39.67 11/11 11/19 2b10496916072017M6692 /970 URO PA 2b10496917072012926974 GIANT FOODSTORES /120 MECHANICSBURD PA 37.51 68.67 11/12 7761 /120 A 2A00 71/14 24786166619667960100016 P F F8:I1 DDS MECFNNISBl1RO PA 110.00 71/14 197 7 O A 26.99 11/18 811.98 11/16 N flNANCE CHARGE 27.94 11117 24268046x22612168182182 OIMIf FOODSTORE /120 M6CHANICSBUR PA 17.76 11/17 2446601692271 149 98127 TOWN PA 18.62 11/17 2{ZZOx86x ZZ9800~A9/860 WM BLIPERCENTER PALAAYRA PA 74.86 11119 11/18 7108E09/977 10.49 2M101969?A074019080816 OIANr POOR RES /120 MECHANIC38UR0 PA 89.86 11/19 241 1 1 1 00009014 21.00 11/19 1 UOW1T RE N20 MECFNNICSBl1R PA 20.00 1119 24M67 1 19 /9629 211.9D 11H9 21248x86x 24x2D0971677x2 WAL MART EXTON PA 9.74 11/19 241 1 01047A IOY A 91.80 11/19 2146601 1 WA4MART /2187 PA 918.96 11 1 OWN PA .00 11/21 ?A18407S1 26W888800647908218NEETl 0000?7AS YORK PA 16.00 11/20 2441 CIRCLE SPO ORI EXTON PA 64.16 11/22 ?A61 12989188 O FOOD 87'0 /120 MEOFUU8C88UR0 PA 111.66 11/21 21270710.1 20.900002790080 gl18Bl1R NARY CTR DILLSBURO PA 219.68 11/22 241M078x 26/988674180x0 OQOQ24 00008216 YORK PA 91.xD 11/29 1 /668/0812 PAYMENT•THANK YOU 60.00 11/24 241 0001 0000201/ NANK~URO PA 28.00 11/26 MANE A SPIRT78 N2106 PHILL PA W.42 11/28 1 4 10997 99.80 11/28 21810196990072016417669 OIMR FOOD87'0 /120 MBCNAhbC3BURD PA 11.84 11 24 2000 A 21. W 11!27 11 74416006x 1 x4908848949829 S /0997 MECFNNIC88UR0 PA 93.80 1 / /120 U O PA 69.68 11/27 242991869x190Q6/6069180 JCPE1111EN STORE 2712 CAMP F8LL PA 69.97 This Statement Is a Facsimile -Not an original X x00000/ nassaeeca aoo x z a6 aenzae vpia. 000/2 AIA AN +eaee ar~acoooacooreaeeoi https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&nTotalItems=l 2&nTota... 8/5/2010 Page 5 of 46 slslsnrent Deb: 11/08r06. 1206r06 AooouB Number 1286841086280878 Pepe 2 d 1 TRANSACTIONS Trans Dab Ratsrerws 6Yarr bsr Msrdranl Nenra or Tnrrro8on Dsaod~an AmourR Credit Dsbk 1 11 78.86 1 /27 1 Lt 80016 P HILL PA 1em.88 11 2141 86848 HI PA 90.OD t1 1121 826 HILL PA 98.88 11 A .t8] 11/27 2141 NA 86818 HI PA 168.60 11 1 HELL PA 61.88 11/26 2A78862688666 6608867472 LI 8TOAEB Ot108 CAMP HILL PA p.00 1 1 10.00 11/80 21810186881072018676880 0 D 8120 M~HANM.86UR0 PA 76.88 1 1/80 2116107668418 6680167868 020Q2{ !10002218 YORK PA 80.86 11/20 2116601 1 WAL 82868 P PA 190.62 11!79 2186776688100 1021 01218 826 PA 81.19 11180 211 DAY DAY 104 FNiW186URCI PA 20.12 i 1/90 2171 81778 MAR RO PA 62.86 11/90 122667 /294 PA 18.88 11/90 tM4206~ 8411 PAXTON PA 168.87 11 A 81.17 1201 1 21 241 2000 URO PA 01 1 i4 A 21.98 10 1204 2M1018686600 /000006200 B06COY8 A012 CAhAP HILL PA 41.W 1 2 18 12 94.94 FlNANCE CHARGES Day Pedodo Rab Cwreeparrdhg Averepe Dsy BeWroe Flnsnoe Charge Due Tnrresdbn FMANCE Glegay 90 days h ryde APR To Psdodlo Rsb Fes CHAROlB PuroMsea .00000% 0.00% SD.00 50.00 80.00 50.00 Caeh eManosa V .06290°.6 22.98% x.00 SO.OD 50.00 50.00 Cawarbras drsok .00000% 0.00% 50.00 50.00 827.84 527.94 Pmrrrdbrrs .00000% 0.00% 8607.66 50.00 80.00 50.00 Totd Msnce t4earpr 827.94 E1leotlrre AsnuY Pweartbgs Reb (APR): 1kL90% Pkaee eee reveres aide for bakrroe aampulatlon me8wd, greoe perbd, acrd o6rer important Iniamatlon. TM Corrsapondkp APR N tlrs nb of YBasst you pay wtrsn YW aey a belarros on erry tranaecllon oebgory. TM EfleoBvs APR npnaanb your IoW 8nuros oherpee - (rroMrdkrp trersao9on bsa auoh se aseh edvanos and bsYrroa buretsr tees - wpresaed ss a perosntags. IMPORTANT NEWS Band eerrslbrrl eaaeon's gnaYrpe wkh unbrpst4de gkb hom l-800•FLOWERB.COM(Fgl Cist 16%o6 your purduss of hash 8oevere, 0oumrst 9~ bukeb, N wna8r, canMpMoes end mss when you use pranotlon code BANK18. 'For dab8s pbeas viNt WWNf.1600FLOWER9.COMId6ClAlMER. TheMc you for yen support d AKC. RanwnWr, AKC noNVSS e oanW WUon sway tlma ycu uea yow AKC Vks Dori. Phm~ AKC w plasaed b arrrourws first our Vlss osrd Ma rataardsl If you dcn't slrasdy Irvs rswerde on your soaouM, oeA firs 80D8 on your osrd b upends 8 noelw 1,000 bones poMsl Trice 510 ofl FbrWs'a Mast dbw et AI'e Famy Femrel II Big esvirpa on 20 Wa naval onngas, 9~Mck a mbced. Flat Wru bcysrs oNy-SZtA6 pMr 96H, MYt 2, ands 01/1ti. Malt www.arrJoydbra.oam or csl 1.68&291.2911 dept 06x A. • vs-wd cerdrnwnber, you us a8916b b nosive tYph- w.Ry nrsrotrerrdlss nd evalY6b b tlcs s~N pudlo hom bP brands such w t.am:, ToNU, D4rrsy end mprM Jwt go b www.vahboantsr.oom and snbr h 166118 when k uka for your oar66wb number. Ad Now. quaMHtse an MYbd. Thb Statement is a Facelmlle -Not an original X ooooooi rtaaeseecs o0o x z as ov+xoe r.a.2a~ aoae ewew twee esraooooeomraaeees https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&nTotalItems=l 2&nTota... 8/5/2010 Page 9 of 46 Statement tw.oootxle num64i: 4286 54ao eeae D678 ~5~/~~ Niw Balan9e Patrment Due Dab Past Due Amount Mk4mum Payment Vfl{'1~E O 57,897.88 01790'06 50.00 5187.00 Amount Enobaed 5 N~w~ aa-i~rl't RM m~Wd~Cra trnlw. ~tYnsb M~a. AAske oMlotr~. r •1eF V266841065280578000157000D7897855115531 leree6xzeac L.BILL.LdJ~~LJL.dd....IIJd..J1..6L.JLdLd DONA//L~ppDKKNHHS~ UW, BIDER9KY M~PHMHC9BUROPA 170654967 DER BERVK:E PO BOX 76768 NALMINGTON DE 19888.61 W [:5000 L60 287: 20 3 10 6 5 280 5 78 iM Srbnwnt Dab: 120606 - OtA16fi8 CU8TOMFA SERVICE P~ynrnt Due ar: ov9n~o6 b u.s. t-e66a954ot6 MN~hman Payment Due: 5167.ao Eegfiol t-B88.1469908 TDO t-eoo-966eoeo OuMde U.S. oa8 oo6eot 1-9oa694.6200 VUZAACCOUNTSUMMARY AeaotattNUmtrr: 4299641066418678 ACCOUNT810tNR1E6 Pnvbus Ba4n9e 54,882.96 To1el Crod6 Line 39,000 P.O. Box 16298 VYYmFplon DE 19o66E298 Payment, Ctedte -51,187.80 AtrWhb Cwdit ' 51,709 Purohaaw, Caah, Dsbib +34,929.8D Ceeh Aaoaae Line 51,800 PAYMENT ADDt7E88 Ftnarge Charyss +368.89 Ave9ebb for Cash 51,102 P.O. Bwc 76169 New Belenoe ~/' g~7.85 WBnkprn, DE 198866169 V181T U8 AT: 1fs)106J~,8 TRANSACTIONS Trm~e Amo~t Dab Rerren9e Number Memlrnt Name or Treneacibn Daeo~gU9n CieMl DehN 12108 2471T066910699/01662a61 HOLIDAY HNR MECHANICSBURG PA 30.42 1206 7A8990085100410019t8899 AEAOLE OUTFTR0000191T CAAW HILL PA 29.98 1206 1206 2M16006940940066968108 OLD NAW a8916 CAMP HILL PA 21~01691071W10010296C Rif i660M~HANIC8BUR0 PA 49.00 28.00 12/08 24416006941812664127427 FlNISH•UNE 10816 CAMP HILL PA 79.98 12!09 i 1 1 R 900.00 1209 23190006116888808881082 TRANSACTION FINANCE CHARGE 27.00 1 7 2181 18818 .8003248897 TX BD.40 12108 24184078812498919000888 02243HEETZ 000O2TA8 YORK PA 17.60 1 t0 1 000 URO PA 121. 1 7209 2Q916269M7460100W417 RRE AID STORE 2000 MEC URO PA 89.98 12A9 t PA 2461 17782/81 GUAM FOOD STORES i120 MECWINICSBlA7G PA 917. 41.89 1210 1211 2441 126720800 OLD NAW 18860 FNRRISBURO PA 2161048691607207 11 CUNT FOOD i120 MBCHANK:SBURO PA 98.00 73.Ot2 [210 24901796946980000966296 BLEACHER BUMS F7ARRI8BUR0 PA 96.80 1210 1211 2490179694688000D106967 lAAB O PA 242680%918612488482680 GIANT FOOD STORE i12D MECHANIC98UR PA 26.60 20.00 1212 2446604 1400062!8816 11629 6823 1219 1212 2Q66426948199460026109 OLUEB BARGAIN OUTLET 9 MECHANICSBURG PA 249290969471 2 A 66.23 29.98 1212 24881006947110848010782 JIFFY LUKE M20 MBCFVWICSBIAp PA 62.96 121 2461 A 69.64 1219 1 1 484 00042764 MECFWIICSBURO PA ICSBURG PA 90.11 17.98 12[4 246101969W00/0271806628 ROEBUCK 2624 CAMP MLL PA 60.00 1214 2441800&149849071192807 OAP 68801/T11E CAMP HILL PA 90.97 1214 24810496849004081010801 DELL CATALOG 8AL.ES, LP. 8003249897 TX 82.80 1216 241 0224 8HEETZ 000022/6 YORK PA 20.00 1216 2N840'760IZJ64016 017A 000O11A6 RK PA 86.09 1218 2489216686[7000718781891 ALLSTA AYMENi 800.6762611 279.76 1217 7M16006962921189Q66696 L /0657 URO PA 12.BD 1216 21999!106961186010912188 O EMAX 00007021 BEACHWOOD OH 86.68 1218 1 776069669 A 96.00 12/21 24766{26066199661996784 O BARGAIN OUTLET 9 MBCHAWICSBURG PA 69.47 1 1 24 1 1 8 G PA 8.94 1221 1,1266026868612468482987 GIANT 8TORE f120 UR PA 24.00 1 1 PA 8.94 1222 1A126965l6798Df9D091969 SUPERCENTER PALMYRA PA This Statement is a Facsimile -Not an original )(0000001 FI611V6C9 000 N 2 06 0691.96 P~1M2 00082 616W 19!!9 0061000 31.79 0W000.3868D1 https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&nTotalItems=l2&nTota... 8/5/2010 Page 11 of 46 BYMnrsnt ate: i2,a6m6.01A76i08 Aocaart Number: 1266 84,0 66xe 0678 Paw2012 TRANSACnoNs Tres Amount Ds1e ReMrorros Nwrhsr tNSrolrerrt linty or Trsrru06an Dsaoriplbn Crod6 DsbB 1, 12/90 C 81.80 01A72 1 10661287101868 PAYM -THANK YOU 1,060.00 FINANCE CHARGES Defy Pedodlo RaY CorrsepardYp AveraOe DYIy Belerroa Flrrnw CharOe Due Trmsao8on PNANCE Cebpwy 91 days h oyaN APR Prwbw CyaM Currant Cyols To PedOdlo Rals Fee CXAROIE6 Purdrere .aoooox o.oox s1,nz.67 56,688.83 so.oo SO.oD 50.00 Ceah edvarror v .OexeX zaxlx So.ao SB.ao so.oo So.ao 5o.ao Carwrlws check .000ODX 0.00% 80.00 5907.74 50.00 591.80 591.80 BaWrOa lrarreler .00000% 0.00% 50.00 561280 50.00 527.00 527.00 Prarrotlars .00000% 0.00% 50.00 5717.61 50.00 50.00 50.00 Told lkrerrce drr0es 568.60 EflsoYw AnnrW Paoenu8e Role (APR): 8.10!6 Pbeas au rovase elde br W WiOe aompuletlon nMhod. 0rue psrbd, and atlrer ImporlaM Inforrrrtlon. TM Comepondn0 APR M 1M role of Frlersst you pry when you «nY • baYrros on any tranr0tlon wes0ory. TM E6w6w APR nproawils your IoW 8rrerrce drr0ee - kgMNYrq berrea08orr Iese such u caalr advance and belerros berrsler boa - expreaaed u e psr0enlsge. IMPORTANT NEW8 TMrrk you kx your support of AKC. Remember, AKC recelvu e oonbibutl0n wary Bare you use your AWC Vla wd. PMro, AKC b pkauad b erar0uroa that our V W nerd hu rsweMsl II you donY airoedy hevs rarvanM an your saoaert, rah Bre 8008 on yow acrd b upyrads •k rocNw 1,1100 bones points! As a vekrsd osridmsnrbsr, you era e2gide b rooehs f10M graily merdwrdMe not wa6ebb b 6w perrard publb hom by Brenda ouch u lrroor, ToNu, Diwroy end rrr0rsl Just 00 b www.vekraosrrbraam end errNr H 166224 where 0 asks for your oerWbsb number. Ad Now, qusntltlas ere Iknlled. Pey your texu Bra feel and sexy way. Just use your oed b pry br ledsrd and sWS perecrW kroonre hrcu hom 9I1I061hrar0h 1l90r06. Matt www.olBOWpsyrrierrts.oon/ahass or os61-800.2PAY-TAX fa dsWM. This Statement Is a Facsimile -Not an original 1(0000001 Flae70e6Ce 000 N Z 06 OaefAb Pai~Zef4 OOOe7 Al4Ib1 ~9aba '00610p0007ppp,aeYp1 https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&nTotalItems= l 2&nTota... 8/5/2010 Page 13 of 46 Statement far.oowr6~ number: a2eB Ba,o BB2e oB76 N.w B.I.ne. Peymsnl ow ar Pul ous AmourB Mkdmum Paymanl CHASE Q Se,eu.97 oa/26roe io.aopy 517e.ao AmaeR Enobead S New tl~ da tmJ'ttlRknro C ~Crtl Mnbr. II~ ~~ dfir amey ~na. 426684106528057800D17600008814875150223 $rseeoczoeoc L.dIIJ.dnlrLdrJLrd.LmILLLnIL.L16oILJIRI DONALD N SWIDERBKY EM 1W ARK FIILL9 ~ A 17066.4987 OAROAAEMBER BERVK:E ICBBURO PO BOX 16169 WILMINGTON DE 19886.6169 1:5000 i60 281: 203 1065 280578 i~' 9rrmeru Dab: Ot/09/00.02/06100 CUSTOMER 8FJIVICE PeymaM Dus Der: 07/26100 In U 8 1-BB8d06.4016 MMkenn Payment Due: 5176.00 Eep~d ,-~ TDD ,-800.866.8080 ourtle u.s. os1 ao9ad 1.802-G91-8100 VISA ACCOUNT8UMMARY AamllnlNUmbar: aesM/096710579 ACCOUNTBWWRIEs Pievbue Barnoe 57,697.66 ToW Crodlt Line 59.000 P.O. Boz 16286 ~ 1N60.6299 ~ Psymarrt, Crsd96 -5180.OD AwrNa Credit 5766 ' Pumhaeu, Ceah, DsMr +51,060.02 Ceah Aaoeu Llne 51,800 PAYMENT ADORE88 Fkrrbs CherBu +627.00 Aw9sble br Caah 5186 P.O. Baor 16169 New Barnoe ,814.87 Wlkrerpbn, DE 18988.6168 V18R U8 AT: TRANSncnoNs Tram Der Rsrrarroe Number Merohsnt Name a Trerreeotlon Deaoriptlon Amain, CredB Debit 1 10 1 1 1/ 1 .76 01/10 a1290890126000702111119200D2 CHECK TO SUSAN BWIDERBKY 900.00 01/12 94289880126000702181119 TRMIBACTION FB4ANCE CHARGE 21.00 01/17 21269029018612499162901 GIMIT FOOD RE 1120 MW W WICSBUR PA ?b.00 01/2S ?A1910790984999076241906010?248HEETZ 000022/9 YORK PA 61.26 01/29 10?L0QD2726999919'100004 PAYMENT- KYOU 180.00 01/~ 24269029098612469192902 GUWT FOOD STORE 1120 MECHANICSBUR PA 26.00 FINANCE CHARGES Dally Padodo Rar Com6apondtg Awrepa De9y Berrrce Fkrenoa Chart's Due Troneso9on FNANCE CaleBory 91 dap h oyde APR To Perbdc Rar Fee CHARGER Purdresee .00000% 0.00% 56,947.09 50.00 SO.OD 50.00 Ce6h edwrroas V .08198% 29.49% 50.00 SO.OD SO.OD 50.00 Cmvarisros ctreck .00000% 0.00% 51.849.97 50.00 527.00 527.00 Balenoe tremler .00000% 0.0096 5800.00 50.00 50.00 50.00 Tdd Brwbs ahsrpes 527.00 ElroBw Anrrual Parlanr8a Rar (APR): 9.7296 Prue er rwww ekN for berrros oanprr06tlon mslhod, pracs palod, and o8rsr knporrnt Inlormstbn. The Comapordkg APR b tlM rar d kdereal YW WY ~~ Ya+ osrry • belsrroe an ery Irenwation oate8ory. The E/teotlvs APR rspressnb your bhl Ikrarrss ahsryse - kidudkg benssatlorr ree auoh u oeeh edvanos and berrros 1ranNer ree - axproaaed u a peroama8e. IMPORTANT NEWS YOUR DUE DATE MAV HAVE CHANGED AND MAY VARY EACH MONTH. YOU CAN MAKE PAYMENTS THROUGH OUR W®BfTE OR BY CAWNO 800.198.7868. SU FECHA DE PALO PUDO MAKER CAMBIADO Y PUEDE VARIAR CADA MEB. UBTED PUEDE RACER SUS PAG09 A TRAVES DE NUESTRA PAGINA WEB O U.AkAAN00 AL 800.4967968. URGENT: Thr mon9r, wlusd osrdrnarrbers hew been reued e Thank You worth up b 5100 entltlkrp you b • 81 year d Ihree me8ukrss. Theybe ebesdy bean ruervsd br yw. OusnBtln m 9rrYled, ao od by OY10108 b orkn ywr ThaNc You d W b 5100 and 10r deWb. 1.900-082.8918.9GX This Statement is a Facsimile -Not an orl9lnal ){0000006 R8VOe6C9 000 N 2 06 e69PAe Pp.1019 OOOe2 WAAA 9YTA 06e10000D300002]2W1 https://instantimage.bankone.net/Star/action/Print. do?pageName=CCStmt&nTotalItems= l 2&nTota... 8/5/2010 Statement far.aootwtt nurnttsr: s2se se,u eEQe tttt7s Nsw Bwna Payment Du. Dab Paa Dw Amots,t MirYmum Paymrt CHASE O Ss,lruJf7 tx7r26A18 Sg.ao 5172.00 (-^~AArr raw olrat ~ryeWeto.Cher c.d.ervWee. ~nb In Yr nl Amard Fiabrd Ig I Nw ddwee or •meY1 P1YU ae heok. F ~. ~-J o1Nr mry Dena ery 42668410652805780D017200008634875169399 sees, eoczaaac I„,IILIr,I„LL,6rll.„IA,,,dI,Ll,,,ll,dd,,,ll„II„I DONALD N SYIIDERSKY St 1 PAiNC ~~,gg DR CARDMEIuBER SERVICE MECFtAP9~*8BUR0 PA 170664967 PO ~X 161ti9 WILMINGTON DE iGIBB-67ti9 1:5000 L60 281: 20 3 106 5 280 5 78 1x' sbterrler,t ob: azro6ros - a9ro6ros WSTOMER SERVICE PaYttrttt Dtta Deb: 09r78r06 In U.S. 1-SS69064016 Mkiaxn PeymsM Due: 5172.OD EspalWl 1-SSBd48.9808 Too t•eoo•966-eoeo Outelde U.s. ae9 ca9eot 1•x02-5e4-szoo VISA ACCOUNT SUMMARY Aooount Number: 49119 Nlo sons os7s ACtMUNT SIOUIRIEs P1eAous BaNrloa 58p14.S7 Tobl Crodlt Line ~ 000 P.O. Box 16298 ~, ~ 798866288 Paymerd, CtsdlEe •5160.00 AveMbls Crodl 5986 New Balar,as .894.87 Ced1 Aoosr LLr 51,880 PAYMENT ADDREAB AveYbb for Cash S9Q6 P.O. Banc 16169 Wlimkplon, DE 19668.6769 V18IT US AT: TRANSACTIONS Troro Amaxti Dsb Rebror,oe Number Merohsnt Nerre or Trorrsotlorl DeaadPxa Cced9 Dedt 1 1 7 FINANCE CHARQES Da9y Perlodb Rab Corleapadklg Average DaxY Bsknoe F61sr1oe Charge Dw Tranaeotlan FSiANCE Calegay Za days b oyob APR To Perlodb Reb Fee CNAROE8 Purahars .O90170°~6 0.00% 56,882.28 50.00 50.00 SO.go Cash edverlas V .OS49696 29.45% 50.00 50.00 50.00 50.00 comarrerrecl,eak .ooooo^.c o.oox St,9eo.ao So.oo So.oo So.oo Bdenoe 7rarrfsr .aoaoo% o.oosL 5900.00 So.ao So.OO So.ao Tobl6nenos oherpr 50.00 EtlsoOrs Amud PsrowtYgs Role (APIs): OJfO% Pkaes ar kllonrtlon About Yaur Aooount seotlon kx belerla aotttpttbxan ms0ad, Brave psdod, vd o7her important Wbrmatbn. TM Correepandt„g APR M tlr rob of WlsreN You WY wl,er, Mott arty a belsrloe on any tronesotlal oabgory. Ths ENrtlvs APR ropressnb yaw lobl Mer,oa atrrgse • It+dt+din9 tranaaotlarl tar such r oseh edwr,as and WMr1os translsr teas • rproased r a psroanlsge. IMPORTANT NEWS Fl1d Caldmembar Rewards Nolba beloro Mey 10, 20081 A• • vekrd Cardrrrrrbsr, ysu'ro sntllbd b RswerW valved up b 5170.001 You must sot quiddy. OwntlBss aro Yrr111ed. 3o b9 on now br dsWb end b aWn1 your msgsxbe Rswarde valued up b 5170.001 www.921megs.oaMRewards. Thank you br your support of AKC. Rsmsmbsr, AKC reoeNr a oantrbutlon awry tlms you ur your AKC Vip red. Plus, AIIQCC b pbssed b emounos Bet our Vise nerd hr rwvardsl M you donY'drsady hew rowaMs an your aoawn4 od 01s 80W an your and b upgrods A reoalva 1.000 bonus pdnbl WhMhsr you aro bakkg kx a new home or xtirlkktD about ro8r,errklg Your wrrsM ar, Char b eve4ebb b bUP you w9h eN of your home Mcsnokp needs. Cal w tadaY sl 1-BS6S9S•6996. N Warr aro subjeW b ocadt ud popery approval. Csdakl rostrbtlons end ArMbllorls msy apply. Get 4 oompWrrnbry weeks of ladsy's Wep Strsst Jaumsl, Y,e worlds most Irwbd swroe of vhd bueirrr news end arWysM. Albr yaw 4 compirrMery wsaka, en addl0anal 2D weeks (90 W aq wS bs merle evaflebls b you for 91s low refs of oMy 569.76. 1.800-IBOS749. Dodo 27JAMM. This Statement Is a Facsimile -Not an oriylnal X0000001 Fl89'1916C3 000 N 2 ro OeNSae P.glg9 000/2 lM MA 9eN1 OM10000ae]Oeree101 Page 17 of 46 https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&nTotalItems=l 2&nTota... 8/5/2010 Page 21 of 46 Statement,i«.coctne numb..: ~ e4~o oats 15a~e ww Bal.na. P.ymsnt Dw Dab Put Dora Amount Mlnkcaan Payment CHASE O 56,799.n o112wm So.ao 5176.00 ~«nl MrloN. Msw~ ~ aar a ~ ~ Arrant Ercolosed 5~~. N itld iew nW't RY t I ~ a~~ . dfs aNON ~tty Wits 4266841D6528057800D175000D8789775192570 aneaxzoseac Irrrlll~lrrlrrl~irrlrrlirrrlrlr~rrll~l~lrr~llrrlrl~~rll~rllrrl DONALD N 81MDEFSSKY 811 PARK N DR MECHAN URO PA 170864987 CARDMB46ER SERVICE p0 BO7C 18163 WIUNINOTON DE 19888-6169 1:5000 i6028t: 203 L065 280578 Lo' lSbbmaM Dab: 09A71V08-0Y0608 CUSTOMER SERVICE 54krt ~~i ~: a~~ In u.s. 1.666-so6rot6 Espsliol 1.888.448.9908 TDD 1.800.9915.8090 Pry by I4grw 1-800.499.796e Outside U.B. ce9 ar9sct 1-302.694.820^ V~AACCOUNTSUMMARY AaxaattNUatbsr.4288ato86280678 Pcwlar Balance 58,894.87 ToW Croft Una 58,000 ACCOUNT MIOUIRIES P O Sac 18298 Payment, Cndts •5200.00 AvalaWs Credit . . 5210 DE 198846298 ~ Putdreu, Cash. Dsblb w¢9G4AD Cash Aaaa LYce ' SI,BOD New Bekuae .769.77 AvalaWe kx Cash 5210 PAYMENT ADDRE88 P.O. Banc 16169 Wlmingbn, DE 198666169 VIBR U8 AT: TRANSACTIONS Trans Dab Rsbnmoe Number MstchuM Name or Trsnsaotlon Dssorlp0on Arrant Credt Dedt t .00 09127 09127 2b101.9808600101011t1807 W .COM •INTEF84ET O 1104988.8648 AR 2481049808707II026i76102 VIDEO 480782 54WIG9BUR0 PA 149.14 16.89 00129 2476642808912089W'78?D140UJES BAR<SAIN OUI'IFT9MECFYWIC88URO PA 99.19 09197 247928280917 71 200D U A 8.74 0691 24810/98091072019286888 OUNT FOOD BTORE8 9120 MECFW~NCSBURO PA 17A.41 04A4 24181078094624090488479 A 29.W FINANCE CHARGES De9y Pedodlo Reb Careepadtrg Avenge Del y Balance Flnanoa Charye Due Tcansaotlon FINANCE Cabgory 91 days in oyab APR To Potbdb Reb Fu CNAROE8 Purehswe .00000% 0.00% 56,768.62 50.00 50.00 SD.00 Cash advanoss V .08606% 29.74% 50.00 50.00 50.00 50.00 Cawerincs chock .00900° o.oo7c 51,980.ao So.oo So.oo So.oo eabnoe trsrcder .00000% 0.00% 5900.00 SO.OD 50.00 So.oo ToW 8nenoa mxcgss 50.00 EMSStlw Amusl Psroutbgs Rsb CAPRI: 0.00% Please sae k4ametbn About Yax Aooant aectlon for babtx;e aamputNbn meoad, grace period, and o9cer knporlsnt kdametlon. The Cacrespadttp APR N 8ce ru. m MsnM 7'ou I+ey whuc you oury a balaras on uy transamwn aabgory. TM C•Ibcllw APR npaar8e yaa todl8narbsohacgaa - Inakcdnp traneaWon isu euah u such advance and balara» traveler leas -expressed es a pecaarctsge. IMPORTANT NEWS Whabvar you'd Sce b do • celkcsnoe Yaur matpsge b get extra such, make home knpmvetttenb, wan buy • maw horns; ca9 ch..e nret u t•eee-e96ax6. w. am n.q wlw.9 m your hone 6nanokg weds. AM kcene eu6leot b ccadt and ProDeM sppreval. Equsl tlouNrg Lander. NEWT I1nYmI0ed kdsrnM scows w8h PeoplePC ONine for aMy 54.97hcvctlc for 9 ma4M, Ban Jue159.964cvdh. W6h Vint PnleoWn, Pop•Up Bboker, spun aontrob, blumst CaN WsBbg, and tmM Cal bdsyl 1-8866TFiYNOW. MsnWxc OBerCab: HEYDAY. Or vlaM: www.peaplepo.oaNgdhey~y. This Statement Is a Facslmiis -Not an oriylnai aL 0000009 Fie C 3 000 N 2 06 OaelOe Ppe 1 b 9 a00ee W AIU 3QeeQ 09610000D300e3IDe2a https://instantimage.bankone.netlStar/action/Print.do?pageName=CCStmt&nTotalItems=l 2&nTota... 8/5/2010 Page 25 of 46 Statement rw.ooowte nt9elber: s2ee Bao e6ae osre NewBWnoe P.ymsMtabD.b P.MDusArrbrad MlNmumPeyment CHASEO 58,689Jl7 od2sg6 S9.a9 5,79.ao Amount Enobrd ~ ~ tl~~wna« rmd't Prim m~E~GN MrMOM. ~~d a~r~d r mq ery ma 426684106528D57800017300008689875205252 atoeerrexzraoec LrJIIJrJrrLLdrJLu6Lrrr1lrLLnILrLIodLJLd DONALD N SWIOERBKV 811 PARK NI DR CARDMB.6ER SERVICE MECNAN URO PA 170664967 PO BOX 18183 VALMINOTON DE 19886.6169 1:5000 i60 281: 203 i06 5 280 5 78 ifla 8bWnrrt Dab: P t G D b 04/O8r08.OT/0696 CU8TOMER 8ERVICE 06r28~98 aymen us s : L9rYnesn Peyrnent Due In U.B. 1.688.908'•1018 : s17s.ap EapaAd 1-eey11ay3oe TDD 1.800.966.8080 PaY by Phone 1.600.196.7968 Outside U.B. aY aolaot VISA ACCOUNT SUMMARY Aooaart Number: 41M M1o s628 o67s 1.902-ra9t-8200 Prevlare Bebrbe Se,789.n roW Crest Lkte Se,pOp ACCWNT lWUIRIEB P O Box 16196 Payment Crodb -5200.00 Avehble Credt . . 5810 t>E 19660.6188 t01 Purdbsss, cuh. Deb9a .51ao.1o c.eh Aaa.ee Lkre ~ 51,600 New Belsnce ,669.67 Avalebb br Cash 5610 PAYMENT ADDRE88 P.O. Bax 161 W WNNnpbn, DE 79666.6163 VIER U8 AT•. TRANSACTIONS True Amount Deb Fietsrerros Number AAerdlem Norms or Trarwotlon Dssoription Credfl Dedt 100.10 OY21 11111112727797696/00003 PAYMENT-TFYWK YOU 200.00 FINANCE CHARGES Dsly Pedodo Rab Corraepordfrg Average Dally Babrroe FHrarroe Charge Due Trensaotlorr FNANCE Cebpory 90 days b oyde APR To Psrbdb Rab Fes CNAAOIEB Purdrssee .00000% 0.0096 56,929.67 SD.00 50.00 50.00 CeN1 tlvenoas V .06608% 29.74% 50.00 50.00 SD.ep 50.00 Comsrbnos oheok .00000% 0.00% 51.960.00 50.00 50.00 50.00 BaWroe trenebr .00000% 0.00% 5900.00 50.00 50.00 $0.00 Tobl flnerroe ahsrpee 60.00 EIIeoBVe Araetel Prsenbpe Mb (APR): 0.00% Pbaw ass Inlorrrbtlon About Your Aoaatnt ssotlan for belsrros aompubtlon ma0bd, 9r~e perbd, and o6ar Ynportant Inbrmatbn. The Coneepandkrp APR b the reb d Interest yw WY ~+YW arrY a balance an erry tranesotlon w0egory. The EIIBC6ve APR rOprOSOrNS your tOtd flrrarroe drarpes • Irroktdkrp bansactlon teas euoh Y peh adVerlOe sad bebrr0e Velleler ieee • expreseW V • pwoxrbps. IMPORTANT NEWS Flrxd end ONy Thank-You t4otlos bsloro Juy 10, 2008. As s vakred Csrdmsnber, youYe been Issued s Thank You rM b 5100. CWm your bvorllee, eeoh wllh • bw fore d 52.98. Lap an for debla end shim ynur TherYt You up b 5100 (ram SynpeeConnsd. www.pM[oard100.aomlCheee. Code 24818 Wlrs9rsr you en boklrrp for • new horns or thbkkrp abort roMrarrdrp your aurront one, Chas b eveflsble b help you wflh V d your home tkrrrakrp needs. Cafl w bdey et 1-80&696.8996. M ban ere sublaot b credl and property approval. CerWn roetrbtloru and NrNta9one may apply. Ae a vebed oerdrrrsrrrber, you ere eflpibb b reodve hlpM gw61y msraherldlas nol evefkdtls b the psnrd pudb Inxn top brads such u twrbx, Tonka, Dbrrsy end morel JuN po b www.rewerdoenbr.oan end enter 161996 where 9 sake for your oerl6bab number. Act now, Qrran86ee ere Nnlted. This Statement is a Facsimile -Not an original X 0000001 n8S886 C e 000 N 2 Od 0a~06ae Pip t d 9 a00e2 W GA Oeoe4 tYet0000D3000ei0e201 hops://instantimage.bankone.net/Star/action/Print.do?pageName=CC Stmt&nTotalItems= l 2&nTota... 8/5/2010 Page 29 of 46 Statement t«.ooou,t numbw: 4208 saio ffQQB oa75 ^~~ P.Y~Du.o.~ ~~ CHASED Se,ee4.96 os!26ro5 80.00p~r~e 8,78.00 ~~ Anwura Fsobwd ~N~w ~aa sm~i't RY„an~hokCrtl Mrvlor. o I~~~bF Plena. 8 r mq wno~ry Wne Y2668410652805780D017300008664065224095 sasrr eoczuemc 6.JILL.LJrLrLJlrrrLl.rrdlJ.LrrIIrrLlrrrILJL~I DONALD N 8WIDERBKY 071 PARK HILLS DR OARDA,EMEER SERVICE Mt~HAN PA t7066d887 PO BOX 18169 yALMINOTON DE 18886.6169 1:5000 i60 281: 203 1065 280578 i~' 8hhrnwd Deb: P D D OIilOSr08.0606!08 CU8TOMER SERVICE d 6~ v ab: tYnaad MbM P m d O 2 08 In U.B. 1.868.906.1076 817s ao nun ayme re: . ,-988.446.8,08 TDD 1.800.8885080 PaY by Ph«» 1.500.4987988 OubMs U.S. ad oolsot VISA ACCOUNT SUMMARY AoaewrtNumlfw: s2eeMtof~o675 7~~8200 Prsvbue 8elarwe 88,858.57 Tdel Crodt lJna 89,000 ACCOUNT INOIAIBEB P.O. Bca 18288 Payment Crsdh -8200.00 Avalable Cred9 8098 DE 19860.5288 ~n'N'gt0^ Purehesr, Cssh, Deblb 08174.19 Csah Aooese Una ~ S7 50D Nsw BeWne ,584.08 Avelebb for Cash 8998 PAYMENT AOORE86 P.O.Baa 15159 WlknMgbn, DE 19888.8155 VIBTT U5 AT: TRANSACTIONS Tram Amant Deb Relaeros Number Merchsnt Name «Traneac5on Desoriptbn Crodlt Deb9 18 7 tog 94.18 08120 174t710Y72d646D70000008 PAYMENT-THANK YOU 2011.00 0678 242647714148462986600098 KILMOR EYE A880CIATE3 MECHANICSBURO PA 40.00 FINANCE CHARGES Day Perlodc Flab Correaparding ~ Average DeBy Bsbnca FYienca CMrge Due Treneectlon FNANCE Glagory 31 dsye h oyab APR To Perlodb RsOe Fee CNARGEB Purohsws .00000% 0.00% 86,826.28 80.00 80.00 BD.00 Ceeh edvenw V .00679% 29.98% 80.00 BO.OD 80.00 80.00 comarY.nas clbok .ttoooox o.ao% at,96o.0o so.oo so.oo So.oo Bewro. banarer .oaooox o.oox 8900.00 So.oo So.ao SO.oo Tole) Ikienoe oheryes 80.00 EtYsotlw Maa+Y Peroenhgs Rals (A%h: 0.00'16 Please ass Inlorma8on About Your Acognl sectlon for belsnca c«rpulstbn metlad, grace perbd, end other important inbrmatbn. TM Coneep«idrp APR b tlw reh d blereN you pay when you carry a balvios ca arty hanrotbn category. TM ESaoBVS APR rspresenb your lohl lerncs oharyes - kidudkp traneaatlan hsa such es cash edvenoe and bebnos lrerofsr fees - expressed se ^ peraenhge. IMPORTANT NEWS For a lYralsd Ikrre, you'ro sntltled b oblm up b St00.00 w«lh d your hvodh rrarpezinss. Respond now b raosNe an entlro year d sabctlone praosseed by Naw3ub 3srvbs. Cal by August 10, 2006 for aeleo9ons and submstlo renewal dsOds. Ouentllbs us lnNled. Enjoy) t-800~98.2820.9J8 TheMt you br your suPPod of AKC. Remember, AKC reoeNca e aontrbutlon every tYne Y«r use Your AKC Vba oud. Pka, AKC b Abased b amounca tlrst our Vbe cans ho rswardel If you dcaY already lrve rewards on your aooouM, atl Mrs SOOa ca your card b upgrade 8 recaNe 7,1100 bones pdnbl . Ica ^ vahrsd cardmsmber, You era elgibb b receNe laglr quWy rurdrsn8ss not eveleble b the general pudb irorrr lop braids such u Lana, Torus, Dbney arrd moral Jud go b www.rswadsosrrM.oan and erMSr 152701 wMro M esW for your cartl8cab nwnber. Ad now, grrantltlr aro lrNlsd. This Statement Is a Farsimtle -Not an orlpinal X 0000001 Fl834996 C 9 000 N 2 06 Oeaaae P.q 1 W 3 000e2 W M/, ~r 161t0000W OODtla6]ot https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&nTotalItems= l2&nTota... 8/5/2010 Page 33 of 46 Statement ror.ooo791r RIlf11bK: a2BB S59o ~ oB7e New BaYrwe Payment Due Dab Poet Due Amount Mbbxan Payment CHASE Q 58,922.78 07726.48 So.ao E77e.oo pe~r~e Amount Errdord S New derv aamW7 RYbt m~beW~Gre Mnbw. m~ In ~y~r~I ~ P ~bF P~bn• r~wioN ay Ilnu. 426684106528057800D17800008922785239854 u~assexzuenc IrrdILLrLddrr ao1 ~~8~1M,gt>~ Kv M~HANIC8Bt1RCi PA 17066.496'7 LdlrrrLlrrrrlLLLrJLddrrdLdlrrl CARDMEMBER SERVICE PO 80X 16151 VALN9NOTON DE 1996&6169 1:5000 L60 c'81: 20 3 10 6 5 280 5 78 LN• 84Wnrd Dab: 084648 - W/06/06 CUSTOMER SERVICE P°Yrne^r Dus Dale: 07/26AM In U.3. 1-SBB~806.4016 AArrYrsxn Payment Due: 5179.00 Eapa7ld 1.59&4455908 TDD 1-900.5659080 PoY by Phan 1-SOOJ88.7B68 Oubkls U.3. aal colsot 7.902.691-Sd00 VISA ACCOUNTSUIu1MARY AseowrtNwebar.1u5519o5626067a Prevbus Balance 56,654.06 Told Credo Lbw 59,000 ACCOUNT 946UIRIEB P.O. Box 16299 Paymsrd, Credit -5280.00 Ava9abb Credit ~ DE 198606285 ~ Purdrass, Cash, Dsdb X5619.72 Cash Aooeee Line ' 51,500 New Relents ,922.78 Ava9ede br Ceeh S77 PAYMENT ADDRESS P.O. Box 16169 DE 19666.6159 Y18R US AT: TRANSACTIONS Tram Dsb Rebrergs Number Marohent Name or Trenseotlon Deaoriptbn 1 12188461727 120 Anqunl Credal Dedt .60 08107 24265029769612168181562 GUWT FOOD STORE f120 MECHANIC9BUR PA 26.OD 0845 2A701075169199679770595 00002074 PA 91.28 Od10 2Mt04961820720174.98997 01MR FOOD 8TORE8 e120 M HANIC9BUR0 PA 90.77 17 211 762499691497916 00009014 A 91.23 Od10 08!12 2116107516292120072994/ PETBMART 00006396 MECHAr3C3BUR0 PA 21 751 49020001616 2000 0 A 13.42 6.93 ON12 ?M4600878/197951594946 TURKEY HILL e02M 039 MEC URO PA 21.D0 08x14 241 1 11 91.26 Od14 241810781661955D2799666 SHEETZ 0000201/ MECHANK~l790 PA 22.00 08119 245821987700007699621 f 1 PRESTIGE CARD UPO 835220.3787 FL 79.00 Od'10 OVERUMTf FEE 96.00 OB129 11741742779180871200008 PA -THANK YOU 250.00 07/01 2b70495199072019098657 GIANT FOOD 3'TOREB 1720 MECHANIC96URG PA 78.27 07/09 24184078181495880598949 SHEETZ 0000207/ MECHANICS PA 23.00 FINANCE CHARGES Dally Perbdb Rate Couespadbg Avsrege Daly Balencs Flrwas CMrgs Due Trerxiactlon FINANCE Catsgay 90 days h oyob APR To Pedor9o Rab Fas CHARQE8 Purehseas .00000% 0.00% 58,092.26 50.00 50.00 50.00 Caah advarow V .086129E 24.24% 50.00 50.00 50.00 50.00 Corwanbnce chadc .00000% 0.00% S1,9B0.00 50.00 50.00 50.00 Babros iransbr .00000% 0.00% 5900.00 50.00 50.00 SO.OD Totd flnarros charges 50.00 EllaaWe ArrwY Paroanlage Rals CAPRI: 0.90% Please ass bNormatbn About Your Aoooum ssollon for W Wras compulalbn nxthod, 9~s period, end o8rx Important informetbn. The Correepondrg APR b Sr role d Inbred you pey wMn you tarry s telexes on erry eanseatltn oebgay. TM Etbotlve APR represent your 7dd 9nenos ohsryn - MwMdrg trensaceon fees ouch as cash advance srd baWroe VarrNer 7sss - siqueaeed ss • peroentga. IAAPORTANi NEWS URGENT: As a vahrsd aerdrrrember, clsYn your Thsrrk You d s n,9 ye.r d s m.g.:ln«,,.tr6, up b 5100.00. Lhrllsd Sms 09/1606 b tdalrrr you TMrrk Vou d up b 5700.00 proowaad by NevBub Ssrvbae erd for dells. 1.900941.9426.400 This Statement is a Facsimile -Not an original X 0000001 R889886 C 3 OW N 2 06 te4/Ae Prp 1 W 9 t001Y 1N hN /M2D llelatttp300WMx001 https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&nTotalItems= l2&nTota... 8/5/2010 $tatelrlerlt for eoooutt nunber: 412868410 e628 0678 mard Da. I)•b Pal Da. Amant MlNrrean P.yment P. Br N w C CHASE O y no. ow s,8B.00 >fO.OD 01r1r Y06 58,422.78 ~rrp~ -^ ~ '~ Amowlt Flrobaed ~ I t~ ~aa imi't Prin ~~ ~~ ~~r. 42668410652805780001680D008422785255456 ar+aaaxzr+vaac ir+rIILL+L+LLd ppNq~p N SWIDER.4KY DR MI L > +dLrrl+IrrrrILLL+JIrrLLrrlLJlr+l IBER SERVICE CARDMB ~ , ~ 811 PARK. M~HAN O PA 17066.4887 + pp SOX 16169 WILMINGTON DE 19886.6169 1: 5000 L 60 281: 20 3 i06 5 280 5 78 i~' Slatarnald Date: 07A6/08-Od06108 CUSTOMER SERVICE Payment Due Deb: ~~ In U.8. 1-BB6906A018 MlNrmm Payment Due: Stee.oo ~,, 1-n88~,4e~s80B TDD 1~800A66~8000 Pry by phone 1.800.498.7988 OufNds U.B. aa3 oo8sct 1.9112-81148200 VISA ACCOUNT SUMMARY Aaoount NuaWar: 428e Mto s828 0676 Prevbue BaWne 38,922.78 Tobl Crod6 LY+e 38,000 ACCOUNT WGUIRIE8 P.O. Bo:76288 Payrna+t Crodib -5500.00 Avalehb Crodit 5877 ~, DE 19860.6296 Naw BWr+os ,4 . 8 Ceeh Access LM+e 57,800 AvsBsbb br Cah 5577 PAYMB4T ADDRE88 P.O. Sax 16169 WBrYnybn, DE 19668.6169 V181T U8 AT: TRANSACTIONS Tram arrora,t Deb Flalarsr+os Number Maohant Name or Trar+ssctlon Deseriptlan Credit DebB 07 1 •~ FINANCE CHAR(iE8 Dsy Psrbdlo Rob CorreepondYq Avenge Deaf' Boleros Rnenoe Charge Dee Tronactlm FINANCE Gbyory 91 drys r oyab APR To Pa+bdb Rsb Fee CNAROEB Pumlraasa .000OOHe 0.00% 56,889.29 30.00 50.00 30.00 Cash advaroa Y .08812°F, 24.24% 50.00 So.00 30.00 50.00 Camsr4wwe ahsok .tto99o°.c o.oo% 51.9eo.ao So.ao So.9o So.oo Berme trsnMer .aoaoo% o.oo% Saoo.o0 So.oo So.oo So.oo ToW flume chspa So.oo E11a0UveAmeW ParoantayeRab(APFn: 0.99% Plesae sa Ir+brmstion Abort Your Aaoaum seo0on br baW+ce compulatlon me8wd, 9~ period, end other biporlent Infomrelbn. TM Corwapaxlnp APR r tM rob of Y+brael you pry whorl you nrry a bsrnae on ery traramotlon aatayory. TM Eflsotlvs APR raprsaarAa your toW flner+oa aM+ya - ir+dudrp trar+eso0an fees wrcF+ a ceah advenoe end berra:e irorafer lea - exprosaed ea a penxnhpe. IMPORTANT NEWS PLEASE NOTE TWIT YOUR PAYMENT DUE DATE MAY HAVE CHANGED AND MAY VARY EACH MONTH. ALWAYS VERIFY YOUR PAYMENT' DUE DATE. TO RWUEST A DUE DATE CHANGE, CALL CUSTOMER SERVICE. VOU CAN ALWAYS PAY BY ACCESSING OUR WEB8ITE DISPLAYED ON THIS STATEMENT OR BY CALLINO800-498.7968. FY+d Nolte: Loy on bslore Ootabor 16, 20081 N a vaN+sd GNnerrrber, you'ro erdl8ed b e Therdc You vaM+sd up b 5110.00 from NewSub Santee. You mat eat quldty. Ouan88aa aro ImBed. So b9 an br dstW and yow mepazN+a now: www.mybaaecar+bcooMahas. 3YY8 Worded about chirp vabrY+vy cost and whet you could afloM 8 yaw pN had • aortas aaoYlor+t or Ik+ess7 Conrot Brs AKC Pat HeaHcero Plan at www.dcopl+p.aom or ca11.886.726.2747 (quote Dods 18001) for a Iroe aetlmsb an how b yet Bw probotlan your pot dsarvea. This Statement is a Facsimile -Not an original ]{ 0000001 Fl8777Ja C 9 000 N 2 ab aeOl'ee Ppr 1 b 1 000[2 MA AAA aM/9 Yte1000003000lee1301 Page 37 of 46 https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&nTotalItems=l 2&nTota... 8/5/2010 Page 39 of 46 Statement far.ooot9te ntanher: 4288 ea~o Bose f1878 N.w Br.ne. P~ymrA Du. D.le P.N Ow Amount Mkihxxn Payment CHASE O Ss,sie.a oa«15r9e 9o.ao 9te9.ao Amouk Eriobasd IS I l~w tl~da krmd7 Rip m~hnekCrA RNNoN. V2668410652805780001660D008328040D00000 xraeoczxuoec LrrIlleLrlrrLlrrLrlLrrLlrndlJrLMIIMLIrrrllrrllnl DONALO N SWIDERBKY 071 PARK HII.LB DR CAROMB~ER SERVICE MEC IC88URO PA 7706b4987 p0 BO% 7tit99 WILMINGTON DE 198!8.6169 1:5000 i60 281: 203 1065 280 5 78 i~' 9taeerrxON Dots: o9~venx • aaabc9 CUSTOMER SERVICE POY~ Dus DeOS: frtMmum Payment Due: 08ryir00 In U.S. 1.886906.1018 5188.00 F f-088,418-A908 TDD t-8068668080 PaY by Pha» 1.800190J968 OuWde U.S. oat aolsot 7.902.681.8100 V18AA000UNTSUMMARY AeaantNUmWr.129881to8628997a ACCOUNT SiWIRIEB Previous BaWroe 58,422.70 ToW Crodh Urw x,000 Box 78208 P O Payment, CredM -5200.OD AvaYbb Crodlt . . ~1 ' DE t98tiP6288 Padres, Cash, Det1b x510628 Csah Aooeas Line 51,800 New Bakuxr ,928.01 Avalebb for Caah 9877 PAYMENT ADDRE88 - P.O. Box 16169 Wftrtigbn, DE 198866189 V18R US AT: TRANSACTIONS Trans A^10Y^t Dab Fiakrenoe Numbsr IBerchsnt Name a Trarraollon Deealp0ai Credt Dedt FINANCE CHARGES Flnarae Charpa Daly Periodb Rab Caroap. Avsreps f0ely Belanoe Due To Trerreotlon Aocanukkd FSIANCE Cabgory 91 dsya b oyds APR Psrkdb Flab Fss Fpr Charge CHARGES Purdrsae .00000% 0.00% 56,49522 50.00 9D.00 90.00 90.00 Cash advanosa V .08012% 242496 9D.OD 50.00 50.00 50.00 50.00 CamarJwas ohsdc .0000096 0.00% 51,980.00 50.00 50.00 50.00 50.00 Baknw trarrMr .00000% 0.0096 5800.00 50.00 90.00 9D.00 50.00 Trial 8nsnoe oharyee 90.00 ERaoUva Amwal Paroanlage liYe (APR): 0.00% PNaae eae Inbrtmtlm A6ad Your Aaoaad ssctlon for 6alanos oomprNtlan mstlad, 9r+w perbd, and otlrr Inporhnt bbmr0on. TM Corraepmdkq APR b Ore rob d Ndsmt You PlY when You Derry a 6elanoe on w+fr Uansaellon category. Ths ENeoOve APR ropreasnb Ywr bW Snanoe ahsrgss - kidtrdkp trarroeolbn tees such u amlr advanos and irlenos lranaNr Nsa - wPn»wd u a psroenlege. IMPORTA.M NEWS As a Yelud Csrdrrrenlrr, you'ro entltled b aWm a TfrMc You worth ~ b 9100.OD. Reply by t011tY08 for en antlro yeu d Your favorlle mapa:Yna Droossssd by Synapse Camsot. Cal 1.00002/-0880 or b9 on b www.gtfbard100.oaMChsse br aubmatlo rarrwd delsYS and b eekot your favorlles. NEWT UnYmlled lnYmM aooeas wiri PeaplePC Cnlins br ~Y 51.971ma8h br 9 monris, Orn wst SO.9HnanMr. Wlh Vitus Pnriolm, Pop•Up &ooker, epem ocnhob, Inbmet Cal WaNNq, and moral CaN bdsy! 1-077.7761210. MsMlon Offer Cods: HEYDAYS. Or vIMt vnvw.psoNpo.oomlg09ryday8. Whabver youtl Ike b do - reMrnos your malgege b get extra aeh, make hoer Imgovamsnb, even iwy a near hoar; Call Char Irat at 1-8868968996. Wa an help wOh d you bane 9nsnakg neade. AI krrr eut~jed b ored0 erd pmDerh' eppmvd. Equal Harokp Larder. This Statement is a Facsimile -Not an orlylnal )(OmWe2 Fl830e%C9 OOD N Z, ro 069eEe Pyetal9 OOOee MA Mil ~eeq 41e100000B00aleWWl https://instantimage.bankone.netJStax/action/Print.do?pageName=CCStmt&nTotalItems=l 2&nTota... 8/5/2010 SUStsment tar.aaaaa nultb.r: 42ee 841086'18 0678 Nsw Bdsnw Payment f0trs D.r P.d Dus AmaaN MhhN,m Payrnsnt CHASE I~ ie,pe.ee I+~l~wl's'rou~I io.ao St7o.oo Amaatt Erolosed 1---- J New W~7naaMOk ppyyrNa to dtw Cetl frvlor. ml? RMon bsok. 4266E4106528057800D1700D008538860000002 ozrsnrxznsoec Irrrlllrlrrlrrlrlrrlrrllrrrlrlrr.rllrl.lrrrllrrl.irrrllrrllrrl DO N BYYIDEF48KY 611 PARK WLLB DR CAgD~AEIABBi BERYICE MAECNAN O PA 170664087 PO BOX 16169 NALMINOTON DE 100866169 [: 5000 i 60 284: 20 3 106 5 280 5 78 1ua 8rwnrxDsOS: oW0N08-tOr06ro8 CU8TOM618ERVICE PeyneN Due Der: 10r' 608 h u.s. 1.086906401e frMNiman Psyrner4 ae: 517o.w Epaftol ,-eee-a69soe TDD ,-fioo-a66ao6o PeY by Phae 1.800.4967968 Ourids U.B. odl colsot 1-902.694.8100 VISA ACCOUNT SUMMARY AaeeuetNUnMr.42M811841~0678 ACCOUNT INOUIRIE9 Pnvbus Bdenos 58,928.04 Told Credit lJne 58,000 P Box 182D8 O Paymad, CteAr -M00.00 AveBebr CrodB . . ~1 ~~' DE 19880.8298 PunlMsr, Cub, Dedr •5410.82 Cesh Aooeas l.he 51,800 ~, ~~ ~,~ Avalsble br Cub 5181 PAYMENT ADDIiHB P.O.Box 18169 VMMrgbn, DE 198868189 VI81T US AT: TRANSACTIONS FINANCE CHARGES Fhenoe Cferpe pWy Perlodb Rer Comp. Awrps Daly Bslsnos Dus To Tnnawtlon AocierwMrd 174MICE CalsOory 90 days h oyor APR Perbdb Flale Fes fire Charps CNAROEB Puniesse .D000OY 0.00X S6,b87.17 50.00 SD.00 50.00 SD.00 Csdt edvancea V .08842% 2424% SD.00 50.00 SD.00 SD.00 50.00 Convenlenos oleok .000OD'9b 0.00% 51,900.00 50.00 50.00 50.00 50.00 Belenos treruler .000OOY 0.00% 5900.00 50.00 SD.00 50.00 50.00 Tdsl finsnoe ohsrpee 50.00 Ellsotlvs Aanwl Paroanleps Rar (APR): O.WY6 Pbese see Inbrmatlon About Your Aooount seotbn for barrne mmpurllon metl.od, Once pedod, and oiler trportarlt hbrmetlon. TM ConepaMMg APR r Be nr of hrrost you pay sfien you Derry ^ bsWw on srry haneaotlon oeleyory. The ElFedlve APR represanr Ya+r bW INenos olrrgea - indidtp trsnseolon teas euoh as osah edvenoe and bsrres trsnerr fees - expisseed as a pen:sntape. IMPORTA(Q NEWS Wharver you'd Mks b do - re&erbs your nerpe0e b pet exin Dash, mdrs honer imgownenb, even buy • new horns; Ce11 Chses Brat st 1.8068968936.1Afe sere help wNh dl your bons fhvrairp reeds. All bans subJsot b oradt erd ProP«H ePP~d• E4rd -Iowin9 Lender. TheNc you br your M+PPoN of AKC. Flenembar, AKC receives e oonhbutlon wary lkne you uee your AICC Vra oard. Plus, AKC r preesd b ernaxwe Mat cur Vlee aaN hss rewerdsl 8 you donY diesdy haw rmwrde on your sooouM, osl Me 0009 on your oard b upynds d rsodve 1,000 bonus pdntsl Ergoy bw web nrs, apaoW olrn and a dboasd bo when you uee your ChsaerFieriz CDP! 974210 at hertr.aom. This Statement Is a Facsimile -Not an orlyinal ]{0000001 FlBZae6C3 eW N 2 06 OVtee6 P.gtd3 OOOa2 WMA. 02]eY 2]e1W00D30000.]eaal Page 43 of 46 https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&nTotalItems= l 2&nTota... 8/5/2010 Trw Anwiad Der Rsfsrsmae NunYer hrrafent None or Tranesotlan Desodptbn CredN Dedt Statement for account number: azss ea~o s52s os7s New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $8,776.24 11/30/06 $0.00 $175.00 Make your check payable to Chase Card Servleea. Amount Endosed $ New address ore-mail? Print on bads. 4266841065280578000175000D877624D000001 37448 BE)(Z3ogO8C IrrrIllJrrLdr Lrl,rllrrJrLrr111JrLrrllrrLlrrdlrrllrll DONALD N SWIDERSKY 811 PARK HILLS DR CAROMEMBER SERVICE MECHANICSBURG PA 17055-4967 PO BOX 15153 WILMINGTON DE 19886-5153 1: 5000 i 60 281: 20 3 10 6 5 280 5 78 itl• ""+t Statement Date: 10/06/06 - 11/05/06 CUSTOMER SERVICE AMERICAN Payment Due Date: 11/30/06 In U S 1-888-305016 •~~• KENNEL CLUB Minimum Payment Due: . . $175.00 Espanol 1-888346-3308 TDD 1-800-955-0080 Pay by phone 1-800338-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY 1-302-594-8200 Account Number. 4286 8410 8528 0578 Prevaus Balance $8,538.86 Total Credit Line ACCOUNT INQUIRIES $9A00 p 0 Box 15298 Payment, Credits Purchases, Cash, Debits -52(10.00 +$437.38 Available Credit Cash Access Line , . $223 Wlmington, DE 19850-5298 $1,800 New Balance $g,776,2q Available for Cash $223 pAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISR US AT: www.chase. com/creditcerds TRANSACTIONS FINANCE CHARGES finance Charge Daily Periodic Rate Conesp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 31 days in cyde APR Periodic Rate Fee Fin Charge CHARGES Purchases .00000% 0.00% $5,780.35 $0.00 $0.00 $0.00 $0.00 Cash advances V .06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check .00000% 0.00% $1,960.00 $0.00 $0.00 $0.00 $0.00 Balance transfer .00000% 0.00% 5900.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $0.00 EBective Annual Percentage Rate (APR): 0.00% Please see Inforna0on About Your Account section for balance computafion method, grace period, and other important information. The Cortesponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges -including transaction fees such as cash advance and balance transfer fees -expressed as a percentage. IMPORTANT NEWS PLEASE NOTE THAT YOUR PAYMENT DUE DATE HAS CHANGED, EFFECTIVE THIS MONTH. TO SELECT A PAYMENT DUE DATE THAT WORKS BEST FOR YOU, YOU CAN ACCESS OUR WEBSITE DISPLAYED ON THIS STATEMENT, OR CALL US AT 1-800338-7958. This Statement is a Facsimile -Not an original }( 0000004 FIS33335 C 3 000 N Z 05 OB/i 1105 Page 7 d 1 00082 MA 1dA 37448 30910000030003744801 Trans Amount Date Reference Number Merchant Name or Trensacton Descripfion Credk Debit Statement for act:ouoe Dumber: azss sago s5za o57s New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $8,757.20 12/30/06 $0.00 $175.00 Amount Enclosed ~ Make your cheek pay'bN to Chaea Cerd Sarvicee. $ Haw address or a-mail. Print on back. 4266841065280578000175000D8757200000006 3,636 aEJ(Z33906C IrrrIIl,IrrLrLlr,Lrl LrJrlrrrrllJrlrrrllrrl,Lrrllrrgrrl DONALD N SWIDERSKY 611 PARK HILLS DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4~7 p0 BOX 15153 WILMINGTON DE 19886-5153 1: 5000 i60 281: 203 L06 5 280 5 78 ill^ "'^~ g AMERICAN ~ ' Statement Date: Payment Due Date: 11/06/06 - 12/05/06 CUSTOMER SERVICE 12/3W06 In U.S. 1-888-305x1016 • • KENNEL CLUB Minimum Payment Due: $175.00 Espafiol 1-888.446-3308 TOD 1-800-955-8060 Pay by phone 1-800436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 4268 8410 8528 0378 1-302-594-8200 Previous Balance $8,776.24 Total Credit Line ACCOUNT INQUIRIES 39,000 p 0 Box 15298 Payment, Credits 5200.00 Available Credit , . $242 Wilmington DE 19850-5298 Purchases, Cash, Debits +$180.96 Cash Access Line , $1,800 New Balance $8,757.20 Available for Cash $242 ppyMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.dlase.cem/creditcerds TRANSACTIONS FINANCE CHARGES Finance Charge Daily Periodic Rate Conesp. Average Daily Balance Due To Transaction Acwmulated FINANCE Category 30 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases .00000% 0.00% $5,979.47 $0.00 $0.00 $0.00 $0.00 Cash advances V .06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check .00000% 0.00% $1,960.00 $0.00 $0.00 $0.00 $0.00 Balance transfer .00000% 0.00% $900.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $0,00 EHxtive Mnual Percentage Rate (APR): 0.00% Please see Information About Your Account section for balance computation method, grace period, and other important infornafion. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represenLS your total finance charges -including transaction fees such as cash advance and balance transfer fees -expressed as a percentage. 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Visit the AKC Online Store today: www.akcstore.org This Statement is a Facsimile -Not an original )( 0900001 FIS33335 C 3 OOD N Z OS OBn?JOS Page 1 d 1 00062 MA MA 31636 33910000030003183901 Trans Amount Date Reference Number Merchant Name or Trensacion Descdp8on Credit Debit Statement fot• et:t:ount number. a2ss ea~o ss2a o5~s New Balance Payment Due Date Past Due Amount Minimum Payment $8,780.31 01/30/07 $0.00 $175.00 Make your shack payable to Chase Card Services Amount Endosed $ New address or a-mail? Pdnt on back. 426684106528057800017500008780310000008 CHASE ~ Tax time is here. Make your pa ment using your Chase credit card. For details visit www.chasepayyourtaxes.cem. +szseaExzso7c Irrrlll,lrrlrrlrlrrlrrllrrrlrlrrrrll,lrlrrrllrrlrlrrrllrrllrrl DONALD N SWIDERSKY 811 PARK HILLS DR CARDMEMBER SERVICE MECHANICSBURG PA 17055.4967 PO BOX 15153 WILMINGTON DE 19886-5153 1: 5000 L 60 281: 20 3 i0 6 5 280 5 78 isle '"~ (~ g AMERICAN ~ OpeninglClosing Date: Payment Due Date: 12/06/06 - 01105!07 CUSTOMER SERVICE 01/30!07 In U 1-888-305.4016 S • • KENNELCLU6 Minimum Payment Due: . . $175.00 Espaffol 1-88846-3308 TDD 1-800-955.8080 Pay by phone 1-800436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Accourrt Number. 4266 8410 8528 0578 1-302-594.8200 Previous Balance $8,757.20 Total Credit Line 59,000 ACCOUNT INOUIWES P O Box 15298 Pa meet, Credits Y Purchases, Cash, Debits -$200.00 Available Credd +$223.11 Cash Access Line . . $219 Wilmington, DE 19850.5298 $1,800 New Balance $g~78p.31 Available for Cash 5219 PAYMENT ADDRE33 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.dtase.com/creditcerds TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 12H 513493490259714118842414 Pavment Thank You Elecbonic Chk 00 00 12/19 24029488353518222288332 SCHOENEMAN MECHANICSBURG MECHANICSBURG PA 211 89 12H9 24445008354676928844589 DOLLAR-GENERAL #9278 MECHANICSBURG PA 11.22 FINANCE CHARGES Finance Charge Daily Periodic Rate Conesp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 31 days in cyde APR Periodic Rate Fee Fin Charge CHARGES Purchases .00000% 0.00% $5,884.81 $0.00 $0.00 $0.00 $0.00 Cash advances V .00642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Cornenience check .00000% 0.00% $1,960.00 $0.00 $0.00 $0.00 $0.00 Balance transfer .00000% 0.00% $900.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $000 Effective Annual Peruntage Rata (APR): 0.00% Please see Information About Your Account sectlon for balance computafion method, grace period, and other important information. The Corresponding APR is fire rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges -including transaction fees such as cash advance and balance transfer fees -expressed as a percentage. IMPORTANT NEWS New Year, New Toys, New Books, New Treats. Visit the AKC Online Store today: www.akcstore.org NEW! Unlimited Internet access with PeoplePC Online for only $4.97/month for 3 months, then just $9.95/month. With Virus Pmtedion, Pop-Up Blodcer, spam controls, Intemet Call Waiting, and more! Call today! 1-888-5TRYNOW. Mention Offer Code: HANA. Or visit: www.peoplepc.com/goAtana Why pay a higher refs with other cards, when you may be able to censdidate your balances and save an interest at the same time? Please call the Balance Transfer Hotline at 1-800-945-2014 to see'rfyou qualify today! Did you know you can use your credit card to access cash whenever and wherever you need it? Ail you need is your PIN (Personal Identification Number) and an ATM. Just call 1.800-297-4970 to create your PIN today. This Statement is a Facsimile -Not an original ~( 0000001 FIS33335 C 3 000 N Z 05 07/01!05 Pegs t d t OOOa2 MA MA X6289 00510000030001e2890t Statement for account number: 4266 8410 6528 0578 New Balance Payment Due Date Past Due Amount Minimum Payment $8,767.85 03/02/07 $0.00 $175.00 Make your cheek payable to Chase Card Servips. Amount Endosed $ New address a e-mail? Print on back. 426684106528057800017500D08767850000004 CHASE O Tax time is here. Make your payment using your Chase credit card. For details visit www.chasepayyourtaxes.com. 2oe7sam=xzo3eo7c Irrrlllrlrrlrrlrlrrlrrllrrrlrlrrrrllrlrlrrrllrrlrl.rrllrrllrrl DONALD N SWIDERSKY 611 PARK HILLS DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4967 PO BOX 15153 WILMINGTON DE 19886-5153 I: 5000 L 60 28~: 20 3 i0 6 5 280 5 78 ill' ~"'~ AMERICAN " OpenkmglClosing Date: Payment Due Date: 01/06/07 - 02/05/07 CUSTOMER SERVICE 03!02/07 In U.S 1-888-305-4016 ~• KENNEL CLUB Minimum Payment Due: . $175.00 Espamiol 1-88846-3308 TDD 1-800-955-0060 Pay by phone 1-800<38-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Accoum Number. 4286 8410 8528 0578 1302 594-8200 PrevWus Balance $8,780.31 Total Credit Line ACCOUNT INQUIRIES $9,000 p 0 Box 15298 Payment, CredBs Purchases, Cash, Debits $200.00 Available Credit +$127.44 Cash Access Line , . $232 Wilmington, DE 19850-5298 $1,800 Finance Charges *$60.10 Available for Cash $232 PAYMENT ADDRESS New Balance $8,767.85 P.O. Box 15153 Wilmington, DE 19888-5153 VISIT US AT: www.chase.cemlcreditcerds TRANSACTIONS FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 3t days in cycle APR Periodic Rate Fee Fin Charge CNARGES Purchases .02189% 7.99% $5,985.54 $40.62 $0.00 $0.00 $40.62 Cash advances V .08642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check .02189% 7.99% $1,966.44 $13.35 $0.00 $0.00 $13.35 Balance transfer .02189% 7.99°~ $902.95 $6.13 $0.00 $0.00 $6.13 Total finance charges $60.10 Effecthre Mnual Percentage Rate (APR): 7.99% Please see Information About Your Account section for balance computation method, grace period, and other important infannation. The Corresponding APR is the refs of interest you pay when you tarty a balance on any transaction category. The Effective APR represents your total finance charges -inducting transaction fees such as cash advance and balance transfer tees -expressed as a percentage. IMPORTANT NEWS Enjoy low web rates, special offers and a discount too when you use your Chase/Hertz discount code CDP# 374210 at her[z.com. New Year, New Toys, New Books, New Treats. Visit the AKC Online Store today: www.akcstore.org EXCLUSIVE OFFER! Ge[ all 40 Undreulated Statehood quarters from 1999-2006 for just $19.95. You'll SAVE 69% off regular prices! Hurry -this offer ends on March 31, 2007! To order now, go to: LittletonCoin.ceMOuarters Why pay a higher rate with other cards, when you maybe able to consolidate your balances and save on interest at the same time? Please call the Balance Transfer Hotline at 1-800-945-2014 to seed you qualify today! This Statement is a Facsimile -Not an original a[ 0000001 FIS33335 C 3 000 N Z OS 07/02105 Page t of 1 00082 MA OAA 20675 03810000030002067501 Trans Amount Date Reference Number Merchant Name ar Transaction Descdptlon Credit Debit Statement for account number: 42513 8410 6528 0578 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $8,702.46 03130/07 $0.00 $174.00 Make your check pryabM to Chase Card Sarvlas. Tax time is here. Make Amount Endosed ~ New address or a-mail? Print on back. your payment using your Chase credit card. For details visit www.chasepayyourtaxes.com. 42668410652805780001740000870246000D009 ,9so9eExzoe,to7c Irrrlllrlrrlrrlrlrrlrrllrrrlrlrrrrllrlrlrrrllrrlrlrrrllrrllrrl DONALD N SWIDERSKY 611 PARK HILLS DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4967 PO BOX 15153 WILMINGTON DE 19886-5153 I: 5000 i 60 28~: 20 3 i0 6 5 280 5 78 ill^ OpeninglClosing Date: 02/06/07 - 03!05/07 CUSTOMER SERVICE O g AMERICAN Payment Due Date: ~ 03/30/07 In U S 1-888-305016 • KENNFl Qt16 Minimum Payment Due: . . $174.00 Espatid 1.888448-3308 TDD 1-800-955-8060 Pay by Phone t-800436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number. 4266 8410 6528 0578 1302 594.8200 Prevaus Balance $8,767.85 Total Credit Line ACCOUNT INQUIRIES $9,000 p Box 15298 0 Payment, Credits -5200.00 Available Credit . . $297 Wilmington DE 19850-5298 Purchases, Cash, Debits +$80.75 Cash Access Line , $1,800 Finance Charges +$53.86 Available for Cash $297 PAYMENT ADDRESS New Balance $8,702.46 P.O. Box 15153 Wilmington, DE 19886-5153 VISR US AT: www.chase.coMcreditcards TRANSACTIONS FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 28 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases .02189% 7.99% 55,900.93 $36.17 $0.00 $0.00 $36.17 Cash advances V .06842% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check .02189% 7.99% $1,976.31 $12.12 $0.00 $0.00 $12.12 Balance transfer .02189% 7.99% $907.49 $5.57 $0.00 $0.00 $5.57 Total finance charges $53.86 Effective Annual Percentage Rate (APR): 7.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Coresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges -inducting transaction fees such as cash advance and balance transfer fees -expressed as a percentage. IMPORTANT NEWS NOTICE: We are repladng the Two-Cycle Average Daily Balance Method (compute interest on previous and current cycle purchase balances) wiM the Average Daily Balance inducting new purchases Method (purchases daily balance times purchases daily rate each day only in the current cycle). Selections are approved and ready to ship! As a Chase Cardmember, you cen select high-quality merchandise not available to the general public. Brands such as Lenox, Gund and many more! Just go to www.rewardcenter.com and type in certificate number 169243 and make your selections now! This Statement is a Facsimile -Not an original ]( 0000001 FIS33335 C 3 000 N Z OS 07/03105 Pegs 1 or 1 00092 MA MA 79/09 06/100000300019/0901 Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit Statement for act:ount rumber: a266 sago sszs os~s New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $8,854.87 04125/07 $0.00 5177.00 Amount Endosed Make your cheek payable to Chase Card SarWees. Ipaant t nt Pro~Cceto opiiotnal $ New address or a-mail? Prlnt on bade. I have~rceeadt tPhe endo PPled offer and may cancel any time. nl as ae 4266841D6528057800017700008854875381574 20719 aEXZ 09507C lurllirlninirluiullurirlrurll ri rinrilulriuriiuilnl DONALD N SWIDERSKY 811 PARK HILLS DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4967 PO BOX 15153 WILMINGTON DE 19888-5153 1: 5000 i 60 281: 20 3 LO 6 5 280 5 78 ill• y"'"+k Opening/Closing Date: 03/06/07 - 04/05/07 CUSTOMER SERVICE ij • • /AMERICAN Payment Due Date: KENNEL CLUB' Minimum Payment Due: D4/25ro7 In U.S. 1-888-305-4016 5177 00 ~~ . EsparSOl 1-888-446-3308 TDD 1-800-955-0080 Pay by phone 1-800-036-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 4268 8470 8528 0578 1302 594-8200 Previous Balance $8,702.46 Total Credit Line ACCOUNT INQUIRIES 000 $9 Payment, Credits -$200.00 Available Credit , p,0. Box 15298 $145 Purchases, Cash, Debits +$292.07 Cash Access Line Wilmington, DE 19850-5298 $1,800 Finance Charges +$60.34 Available for Cash $145 pAYMENT ADDRESS New Balance $8,854.87 P.O. Box 15153 Wlmington, DE 19886-5153 VISIT US AT: www.chase. com/Creditcerds TRANSACTIONS FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transactbn Aaxrmulated FINANCE Category 31 days in cyde APR Periodic Rate Fee Fin Charge CHARGES Purchases .02189% 7.99% $6,007.95 $40.77 $0.00 $0.00 $40.77 Cash advances V .06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check .02189% 7.99% $1,975.47 $13.41 $0.00 $0.00 $13.41 Balance transfer .02189% 7.99% $907.10 $6.16 $0.00 $0.00 $6.16 Totalfinance charges $80,34 EHectlve Annual Percentage Rate (APR): 7.9976 Please see Information About Your Account section for balance computation method, grace period, and other important information. The Coresponding APR is the rate of interest you pay when you carry a balance on any trensadion category. The Effective APR represents your total finance charges -including transaction fees such as cash advance and balance transfer fees -expressed as a percentage. IMPORTANT NEWS PLEASE NOTE THAT YOUR PAYMENT DUE DATE HAS CHANGED AND IS EARLIER THAN IN PREVIOUS MONTHS. TO SELECT A PAYMENT DUE DATE THAT WORKS BEST FOR YOU, PLEASE CALL CUSTOMER SERVICE. TO PAY THE AMOUNT DUE, YOU CAN ACCESS OUR WEBSITE DISPLAYED ON THIS STATEMENT OR CALL 1-800-036-7958. This Statement is a Facsimile -Not an original ~{ 0000001 FIS33335 C 3 000 N Z OS 07/Wf05 Page 1011 00092 MA MA 20719 09510000030002071901 Trans Amount Date Reference Number Merchant Name or Trensadion Description Credit Debit Statement for aaaount number: 4zss ea~o s5ze os7s New Balance Payment Due Date Past Due Amount Minimum Payment $8,806.14 05!25107 $0.00 $176.00 Mska your cheek payabb to Chase Card Servieea. Amount Endosed $ New address or email? Print on back. CHASE O I want to purchase optional Payment Protector Plan'. I have read the enclosed offer and may cancel any time. nl as ae 426684106528057800017600D08806145400468 sun eex z tzso7 c DONALD N SWIDERSKY 611 PARK HILLS DR MECHANICSBURG PA 17055-4967 Irrrlllrlrrlrrlrlrrlrrllrrrlrlrrrrllrlrlrrrll,rlrlrrrllrrll~~l Ir~~lll~~~lll~~ulrlnlrlrrlullrl~ullulnrl~r~llurllrlrrll CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1: 5000 i 60 281: 20 3 10 6 5 280 5 78 ills '"% Opening/Closing Date: 04/06/07 - 05/05/07 CUSTOMER SERVK:E ~ AMERICAN Payment Due Date: 05/25/07 In U S 1-SB8-305~d016 •,~~• KENNELCLU6 Minimum Payment Due: . . $176.00 Espa/1oi 1-888-446-3308 TDD 1-800-955.8060 Pay by phone 1-800-436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number. 4268 8410 8528 0578 1302 594.8200 Prevbus Balance $g,g54,g7 Total Credit Line ACCOUNT INQUIRIES 59.000 p 0 Box 15298 Payment, Credits -$200.00 Available Credit . , $193 Wilmington DE 19650-5298 Purchases, Cash, Debits +593.01 Cash Access Line , $1,800 Finance Charges +558.26 Available for Cash $193 PAYMENT ADDRESS New Balance $8,806.14 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase. cem/credi[cerds TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Descdption Credd Debit 04/12 24810437102072013252962 GIANT FOOD STORES #120 MECHANICSBURG PA $61.01 04/25 11151152738982581100006 PAYMENT -THANK YOU 200.00 04/28 24610437117004131238402 GIANT FOOD STORES #120 MECHANICSBURG PA 32.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Cortese. Average Daily Balance Due To Transaction Accumulated FINANCE Category 30 days in cyde APR Pedodic Rate Fee Fin Charge CHARGES Purchases .02189% 7.99% $5,987.69 $39.33 $0.00 $0.00 $39.33 Cash advances V .06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check .02189% 7.99% $1,974.76 $12.97 $0.00 50.00 $12.97 Balance transfer .02189% 7.99% $906.78 $5.96 $0.00 $0.00 $5.96 Totalfinance charges $58.26 Effective Annual Percentage Rate (APR): 7.99% Please see Information About Your Account section Tar balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total fmance charges -including transaction Tees such as cash advance and balance transfer fees -expressed as a percentage. IMPORTANT NEWS Enjoy low web rates, spedal offers and a discount too when you identify yourself as a Chase Cardmember by using this code: CDP# 374210 at hertz.cem. Save on appliances, MP3 Players, toys, and more at Shoppers Advantage. Eam cash-bade rewards on eligible purchases in addition to the low prices. Get details at www. Shoppers Advantage.comlChase, where you'll be idenified as a Chase Cardmember eligible for this spectal Trilegiant otter. Vish the AKC Online Sore (www.akcstore.org)for ahuge selection of books, dothing and gift items for your breed. Wortied about rising vet costs and what you could afford if your pet had a sedous accident or illness? Contact the AKC Pet Healthcare Plan at www.akcphp.cem or 1.866.725.2747, identify yourseN as a Chase Cardmember (Quote Code 1S001), 8 get a free estimate on the protection your pet deserves. This Statement is a Facsimile -Not an original 1( 0000001 FIS33338 C 3 000 N Z OS 07IOSI08 Page 1 0l 1 00082 MA MA 84177 12470000030008M7701 Statement ror account numbet•: azss sago sszs os7s New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $9,011.30 06/25!07 50.00 $191.30 ~~ Make your check payable to Chaw Card Services. Amount Endased $ New address ae-mail? Print on beck. 4266841D6528057800D191300090113000D0000 21n6aExz 15607c 6rdIL6rIrrLlrrlrrllrrrlrLrrrllrldrrrllrrldrrrllrrll.rl DONALD N SWIDERSKY 611 PARK HILLS DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4967 PO BOX 15153 WILMINGTON DE 19686-5153 IrrrlllrrrlllrrrrLl,rl,IrrLdLLrrlLrlrrrlrrrll,rrlLlrrll 1: 5000 L 60 281: 20 3 i0 6 5 280 5 78 ill' "'~ g AMERICAN ~ OpeninglClosing Date: Payment Due Date: 05/06!07 - 06!05/07 CUSTOMER SERVK:E 08/25ro7 In U S 1-888-3053016 • • KENNEL CLUB' Minimum Payment Due: . . $191.30 Espatsd 1-888346-3308 TDD 1-800.955-6060 Pay by phone 1-800336-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 4288 841116528 0578 Previous Balance $8,806.14 Total Credit Line $9000 ACCOUNT INQUIRIES Payment, Credits -$200.00 Available Credit P.O. Box 15298 Purchases, Cash, Debits +$343.93 Cash Access Line $1 800 Wlmington, DE 19850-5298 Finance Charges +$81,23 Available for Cash $0 ppYMENT ADDRESS New Balance $9,011.30 P.O. Box 15153 Wilmington, DE 19888-5153 VISIT US AT: www.chase.cem/creditcards TRANSACTIONS FINANCE CHARGES Finance Charge Daily Periodic Rate Corcesp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cyde APR Balance Parodic Rate Fee Fin Charge CNARGES Purchases .02189% 7.99% $6,141.77 $41.68 $0.00 $0.00 $41.68 Cash advances V .06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check .02189% 7.99% $1,974.00 $13.40 $0.00 $0.00 $13.40 Balance transfer .02189% 7.99% 5908.43 $6.15 $0.00 $0.00 $6.15 Total financa charges $61 23 EffeMlva Mnual Percentaye Rate (APR): 7.99% Please see Infomation About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any trensadion category. The EHedive APR represents your total finance charges - inducting transatxron fees such as cash advance and balance transfer fees -expressed as a percentage. This Statement is a Facsimile -Not an original ){ 0000001 FIS33335 C 3 000 N Z OS 07108/05 Pepe 1 d 7 00082 MA MA 21176 15610000030002117801 Trans Amount Date Reference Number Merdlant Name or Trensadion Description Credit Debit Statement for aaaount number: a2ss sago ssza os7a New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $8,979.31 07Y25/07 $0.00 $179.00 ~~ AAake your check payable to Chase Card 3ervleea. Amount Endosed $ New address or a-mail? Print on back. 426684106528057800017900008979310000004 2,711 aEXZ,aso7c Irrrlllrlrrlrrlrlrrlrrllrrrlrlrrrrllrlrlrrrllrrlrlrrrllrrllrrl DONALD N SWIDERSKY 611 PARK HILLS DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4967 PO BOX 15153 WILMINGTON DE 19888-5153 LrdllrrrllLrr.IJrdJrrlr,ILlrrrllrrlrrrL.JlrrrllrL,ll I: 5000 L 60 281: 20 3 i0 6 5 280 5 78 111^ ""+~ Opening/Cbsing Date: 06/06/07 - 07/05/07 CUSTOMER SERVICE AMERICAN Payment Due Date: ~ 07/25/07 In U S 1-888-305-4016 ~ • KENNEL CLUB' Minimum Payment Due: . . $179.00 Espaild 1-888-448-3308 TDD 1-800-955-8060 Pay by phone 1-80036-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Auount Number. 4288 8410 BS28 0578 1302 594-8200 Previous Balance $9,011.30 Total Credit Line ACCOUNT INQUIRIES $9,000 p Box 15298 0 Payment, Credits $200.00 Available Credit Purchases, Cash, Debits +$109.00 Cash Access Line , . $20 Wtlmington, DE 19850-5298 $1,600 Finance Charges +$59.01 Available for Cash $20 pAYMENT ADDRESS New Balance $8,979.31 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcerds TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Trensadion Description Credit Debit 06124 11751752741117430100008 PAYMENT -THANK YOU 200.00 08/28 24892167179000518116711 RGI'CHASE CARD UPGRADE 888-220-3787 FL 79.00 07/04 24692187186000049712880 GIANT FUEL #120 MECHANICSBURG PA 30.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transac8on Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases .02189% 7.99% $6,102.07 $40.08 $0.00 $0.00 $40.08 Cash advances V .06642% 24.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check .02189% 7.99% $1,974.31 $12.97 $0.00 $0.00 $12.97 Balance transfer .02189% 7.99 % $906.57 $5.98 $0.00 $0.00 55.98 Total finance charges $59.01 E/fectiva Annual Percentage Rate (APR): 7.99% Please see Information About Your Account section for balance computation method, grace period, and oNer important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The EffecOve APR represents your total finance charges -inducting transaction fees such as cash advance and balance transfer tees -expressed as a percentage. IMPORTANT NEWS Brookstone offer: $15 off $80 purchases via web or phone. Identify yourseN as a Chase customer. Mention or enter code CHASE at checkout. Visit Brookstone.com or call 800.926.7000 Not valid in stores. Excludes tax, shipping, gift cards, Tempur-Pectic, Sony and Bose products. Expires 12/31/07. Visit the AKC Online Store for a huge selection of books, clothing and giR items for your breed. www.akcetore.org. Is your dog a Canine Goad Citizen? Let AKC and K9 Advantix show you and your dog how to cam a CGC. To team more, visit http:!/www.akc.org/events/cgGindex.cfm. Worried atrout rising vet costs and what you could afford if your pet had a serious accident or iliness7 Contact the AKC Pet Healthcare Plan at www.akcphp.com or 1.866.725.2747, identify yourself as a Chase Cardmember (Quote Code 1 S001), & get a free estimate on the protection your pet deserves. This Statement is a Facsimile -Not an original J{ 0000001 FIS33335 C 3 000 N Z OS 07!07/05 Page 1 of 1 00082 MA MA 217M 18810000030002171101 Statement for account number: a26s sago s52a os~s New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $9,250.28 08/25/07 $179.00 $792.28 Amount Endosed ~ Make your cheek payable to Chase Card Services. $ Nevr address w e-mail? Print on beck. 4266841D6528057800079228D09250280000004 22„9 aEJ(22,7D7C IrrrIIl,IrrLJrLrI,.ILrrlrLrr rllJrlrrrllydJrrJlrrllrrl DONALD N SWIDERSKY 611 PARK HILLS DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4967 PO BOX 15153 WILMINGTON DE 19886-5153 IrrrlllrrJll.rrrLLdrlrrlrrllrLrdlrrlrrrlrrrl6rrll,IrJl 1: 5000 L 60 281: 20 3 i0 6 5 280 5 78 111• "'~@ OpeninglCbsing Date: 07/06/07 - 08/05/07 CUSTOMER SERVICE g AMERICAN Payment Due Date: ® 08/25!07 In U 1-888-3051016 S • • KENNEL QU6 Minimum Payment Due: 1...,e . . $792.28 Espatfol 1-888~46~308 TDD 1-800-955-8080 Pay by phone 1-80036-7956 Outside U.S. call tolled 1-302-594-8200 ACCOUNT INQUIRIES VISA ACCOUNT SUMMARY Account Number. 4288 8410 6528 0578 P.O. Box 15298 Previous Balance $8,979.31 Total Credit Line Wilmington, DE 19850-5298 $9,000 Purchases, Cash, Debits +$39.00 Available Credk $0 PAYMENT ADDRESS Finance Charges +$231.97 Cash Access Line $1,800 p,0. Box 15153 New Balance $g,250,2g Available for Cash $0 Wilmington, DE 19888-5153 VISIT US AT: www.chase. com/credttcards The new APR and promotronal rate expiration reflected on this statement is a result of a late payment on your account. For your convenience, you can always pay online by accessing our websRe displayed on this statement. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 07/25 LATE FEE $39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Coresp. Average Daily Due To Transaction Awxsmulated FINANCE Category 31 days in cyde APR Balance Periodic Rate Fee Fin Charge CHARGES Purdhases V .08217 % 29.99% $6,191.34 5157.71 $0.00 $0.00 $157.71 Cash advances V .06217% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .08217% 29.99% $1,997.48 $50.89 $0.00 $0.00 $50.89 Balance transfer V .08217% 29.99% $917.21 $23.37 $0.00 $0.00 $23.37 Totalfinance charges $231.97 Effective Annual Percentage Rate (APR): 29.99X Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Efective APR represents your total finance charges -including transaction tees such as cash advance and balance transfer fees -expressed as a percentage. IMPORTANT NEWS Nature's Redpe 8 Invisible Fence are proud sponsors of AKC Responsible Dog Ownership Day. Visit www.akc.org to find an event in your area this September. Is your dog a Canine Good Citizen? Let AKC and K9 Advantix show you and your dog how to cam a CGC. To loam more, visit htlp://www.akc.org/evenWcg~ndex.cfm. This Statement is a Facsimile -Not an original X 0000001 FIS33335 C 3 000 N Z OS 07/08105 Page 1 of 1 00082 MA MA 22119 21710000030002211901 Statement for at:aount cumber: a2ss ea~o sszs osTe New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $9,568.18 09/25/07 $542.00 $1,484.16 ~~ Make your eherJc payable to Chase Card Services. Amount Enclosed $ New address or a-mail? Print on back. 42668410652805780D148418D09568180000005 22715 aE9(Z21807t 6rJIL1,rIrrLlrrLJLrrlrLrrrlLLLrr IlrJdrrrlLrll~rl DONALD N SWIDERSKY 611 PARK HILLS DR CARDMEMBER SERVICE MECHANICSBURG PA 17055.4967 PO BOX 15153 WILMINGTON DE 19888-5153 LrrIII,~rlUrrrddrrLlrr6rlLLrrllrJrrrLrrllrrrllrlrrll I: 5000 L 60 281: 20 3 i0 6 5 280 5 78 LII• y""`~ Opening/Closing Date: i /AMERICAN P 08/06/07 - 09105!07 CUSTOMER SERVICE 1 ayment Due Date: • KENNEL CLUB- Minimum Payment Due: • ~125ro7 In U.S. 1-888-305-4016 $1 484.18 i,,,,. , EspafVol 1-888.446-3308 TDD 1-800-955060 Pay by phone 1-80036-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 4288 8410 8528 0578 Previous Balance $9,250.28 Total Credft Line $9 ~0 ACCOUNT INQUIRIES Purchases, Cash, Debits +$78.00 Available Gedit P•O. Box 15298 Finance Charges +$238.90 Cash Access Line $1 8~ Wilmington, DE 19850-5298 New Balance $9,568.18 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcerds Your credft card account is past due. Please send payment immediately. Call 1-800-955-8030 (tolled 1-302-594-8200)today. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Descdption Credit Debit 0826 LATE FEE 839 00 08!06 OVERLIMIT FEE 39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transadion Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CNARGES Purchases V .06218% 29.99% $6,428.69 5163.74 $0.00 $0.00 $163.74 Cash advances V .08216% 29.99°k $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .08216% 29.99% $2,049.00 $52.19 $0.00 $0.00 $52.19 Balance transfer V .08216% 29.99% $940.87 $23.97 $0.00 $0.00 $23.97 Total finance charges $239.90 Ettedive Annual Percentage Rata (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges -including transaction fees such as cash advance and balance transfer fees -expressed as a percentage. IMPORTANT NEWS Your2007-2008 Privacy Notification is enclosed far your record. Now you can cam REWARDS with your AKC credit card! Eam 1 point for every S1 you spend in eligible purchases 8 redeem for your chdce of travel, cash, merchandise or gift cards from great merchants like PetSmart. Call the 800# on the back of your card to upgrade NOW! This Statement is a Facsimile -Not an original X 11000001 FIS33335 C 3 000 N Z OS 07/08105 Page 1 of 1 00082 MA MA 22705 2Aet0000030002270507 Statement for account number: 42ss 8410 6528 0576 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $9,886.18 10/25/07 $916.00 $2,179.18 Make your cheek payable to Chase Card Servloes. Amount Endosed $ New address or a-mail? Print on bade. 426684106528057800217918D0988618DODOD00 ss44saexzz7ao7c I~I~Illll~~l~rl~llrlrlllllrlll~~~~ll~lrllr~lllrl/lrrlllrllllll DONALD N SWIDERSKY 611 PARK HILLS DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4967 PO BOX 15153 WILMINGTON DE 19886-5153 I~~r116r111111rdrI111dIrI1111Jrlrl IrlLrd/lrll~rllldrlll I: 5000 160 28~: 20 3 LO 6 5 280 5 78 LII' '"^~ OpeninglClosing Date: 09/06/07 - 10/05/07 CUSTOMER SERVICE AMERICAN Payment Due Date: ~ 10/25/07 In U S 1-888-3053018 • KENNEL CLUB' Minimum Payment Due: . . $2,178.18 Espaflol 1-888448-3308 TDD 1-800-955-8080 Pay by phone 1-800438-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 4286 8410 8528 0578 1302 594-8200 Previous Balance $9,568.18 Total Credit Line $9 000 ACCOUNT INQUIRIES P O Box 15298 Purchases, Cash, DebRs +$78.00 Available CredR . . $0 Wilmington DE 19850-5298 Finance Char es + 240.00 9 $ Cash Access Line , $1,800 New Balance $9,886.18 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19888-5153 VISiT US AT: www.chase.coMcreditcerds The charge privileges on your credit card account have been revoked. You no longer have the ability to use your credit card acmunt for purchases. We can help you get bade on track. Call 1-800-955-8030 (collect 1-302-594-8200) today. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 09125 LATE FEE $39.00 09/06 OVERLIMIT FEE 39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cyde APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V .08218% 29.99% $6,671.15 $164.43 $0.00 $0.00 5164.43 Cash advances V .08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .08216% 29.99°h $2,100.97 $51.79 $0.00 $0.00 $51.79 Balance transfer V .08216% 29.99 % $984.74 $23.78 $0.00 $0.00 $23.78 Total finance charges $240.00 EfFectlve Annual Percentage Rate (APR): 28.99% Please see Information About Your Account sedion for balance computation method, grace perlad, and other important information The Corresponding APR is the rate of interest you pay when yeu carry a balance on any transaction category. The Effective APR represents your fatal finance charges - induding irensadion fees such as cash advance and balance transfer tees -expressed as a percentage. I~ORTANT NEW Is your dog a Canine Good Citizen? Let AKC and K9 Advantix show you and your dog how to eam a CGC. To loam more, visit htlp://www.akc.org/events/cg~ndex.cfm. Worried about rising vet costs and what you could afford if your pet fwd a serious accident or illness? Contact the AKC Pet Healthcare Plan at www.akcphp.com or 1.866.725.2747, identify yourself as a Chase Cardmember (Quote Code 1S001), & get a free estimate on the protection your pet deserves. Mark your calendars! The 2007 AKC/Eukanuba National Championship will be held at the Long Beach Convention Center on Saturday and Sunday December 1 and 2. Use your AKC Rewards Vise to purchase tickets. Visk www.akc.org for more informatbn. This Statement is a Facsimile -Not an original X 0000001 FIS33335 C 3 000 N Z OS 07110/05 Page 1 d 1 00092 MA MA 58148 27810000030005644801 Statement for account number: azss 84~o sszs osta New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $10,180.50 11/25/07 $1,293.00 $2,869.50 Amount Endosed ~~ Make your check payable to Chase Card Services. $ New address or email? Print on back. 426684106528057800286950010180500000003 .,2spaExz3osp7c Irr,lllrlrrlrrlrlrrlrrllr,rlrlrrrrllrlrlr..Ilrrl,irrrllrrllrrl DONALD N SWIDERSKY 611 PARK HILLS DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4967 PO BOX 15153 WILMINGTON DE 19886-5153 rr,IllrrrllLrrrLLdrlrrLrllJrrrlLrL..I,rrlLrdLlr.ll 1: 5000 i 60 281: 20 3 LO 6 5 280 5 78 ill' ]y"`~ ®~ Opening/Closing Date: t ~ 10/08/07 -11/05!07 CUSTOMER SERVICE In U S 1 888 305016 • KENNEL CI.UtS ~+.~~ Mimmum Payment Due: . . - - $2,869 50 EspaM1ol 1-888-046-3308 TDD 1-800-955-8060 Pay by phone 1-800436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 4266 8410 6528 0578 Previous Balance 59,886.18 Total Credtt Line $9 000 ACCOUNT INQUIRIES Purchases, Cash, Debfts +$39.00 Available Credit P•O. Box 15298 ~ Finance Cha s ~ + 255,3p $ Cash Access Line Wilmington, DE 19850-5298 $1,800 New Balance $10,180.50 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.mm/creditcerds You haven't made the required payments and your credit card account is 90 days past due. As a result, your credit bureau may be updated with a negative rating. Please send your payment imru3diately or call us at 1.800-955-8030 (collect 1-302-594200) today. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 10/25 LATE FEE $38,00 FINANCE CHARGES Finance Charge Daily Periodic Rate Coresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cyde APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V .08216% 29.99% $6,880.66 $175.25 $0.00 $0.00 $175.25 Cash advances V .08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .08216% 29.99% $2,154.27 $54.87 $0.00 $0.00 $54.87 Balance transfer V .08216% 29.99% $989.21 $25.20 $0.00 $0.00 $25.20 Total finance charges $255.32 Effective Annual Percentage Rata (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information The Cortesponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Efective APR represents your total finance charges -inducting transadioh fees such as cash advance and balance transfer fees -expressed as a percentage. IMPORTANT NEWS Is your dog a Canine Good Citizen? Let AKC and K9 Advantix show you and your dog how to cam a CGC. To loam more, visit htlp://www.akc.org/eventskgc/index.cfm. Woried about rising vet costs and what you could afford it your pet had a serious accident or illness? Contact the AKC Pet Healthcare Plan at www.akcphp.com or 1.868.725.2747, identify yourself as a Chase Cardmember (Quote Code 1S001) & get a tree estimate on the protection your pet deserves. This Statement is a Facsimile -Not an original a( 0000001 FIS33335 C 3 000 N 2 OS 07/71/05 Pape 7 d 1 00092 MA MA 41250 30970000030004125001 Statement for account number: 4266 8410 6528 0578 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $10,473.80 12/25!07 $1,689.00 $3,560.80 Make your cheek payable to Chase Card Services. Amount Endosed $ Naw address or a-mail? Print on back. 426684106528057800356D80D10473800000D03 24971 aEX 2 33907 C I I I II I I I I I I I I I I I l l l l l l l l1I I I I I111III II III11I I I II V I I I III I I I I I I DONALD N SWIDERSKY 611 PARK HILLS DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4967 PO BOX 15153 WILMINGTON DE 19886-5153 IIIIIILIIIILIIJIIIJdIIILIlIlI111LIL1161d1,1111J1111 1: 5000 i 60 281: 20 3 LO 6 5 280 5 78 Llla '"~ $ AMERICAN ® Opening/Closing Date: Payment Due Date: 11/06/07 - 12/05/07 CUSTOMER SERVICE 12/25/07 In U.S. 1-888-305016 • • KENNEL CLUE *.,.~+ Minimum Payment Due: $3,560.80 Espaflol 1-88846-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-82~ VISA ACCOUNT SUMMARY Account Number. 4286 84708528 0578 Prevaus Balance $10,180.50 Total Credit Line $9000 ACCOUNT INQUIRIES P Box 15298 O Purchases, Cash, Debits +$39.00 Available Credit . . ~ Wilmington DE 19850.5298 Finance Cha s ~ + 254.30 $ Cash Access Line , $1,800 New Balance $10,473.80 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/credkcerds Irs not too late to resolve the outstanding balance on your cxedft card account. We have a variety of payment options that may be right for you. Call 1-888-792-7547 (tolled 1-302-594-8200)today. TRANSACTIONS Trans Amount Date Reterence Number Merchant Name or Transaction Description Credit Debit 11/25 LATE FEE $38,00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cyde APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V .08216% 29.99% $7,093.85 $174.85 $0.00 $0.00 $174.85 Cash advances V .08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .08216% 29.99% $2,208.91 $54.45 $0.00 $0.00 $54.45 Balance transfer V .08216% 29.99% $1,014.31 $25.00 $0.00 $0.00 $25.00 Total finance charges $254.30 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computa8on method, grace period, and other important infortna0on The Coresponding APR is the rate of interest you pay when you tarty a balance on any transaction category. The Etfecfive APR represents your total finance charges -inducting transaction fees such as cash advance and balance transfer fees -expressed as a percentage. This Statement is a Facsimile -Not an original ]( 0000001 FIS33335 C 3 000 N Z OS 07N2Po5 Pope 1 d 1 00082 I4A AAA 24871 33910000030002497101 Statement for account nttmber: azss sago s52s os7s New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $10,783.24 01/25/08 $2,087.00 $4,287.24 Make your check payable to Chaw Card 9ervleea. Amount Endased $ New address or email? Pdnt on back. 4266841D652805780042872401078324DDODOD6 77e7zaExzspec IrrrIllJrrLrLlrrl,dlrrrlJrrrrlLldrr.ILJ~L.Jl~rllr~l DONALD N SWIDERSKY 611 PARK HILLS DR CAROMEMBER SERVICE MECHANICSBURG PA 17055-4987 PO BOX 15153 WILMINGTON DE 19886-5153 Irnlllurllluulrlnlrlulullrl.ullnlnrlurll~ull~lull 1: 5000 i 60 281: 20 3 10 6 5 280 5 78 LII^ ""qp OpeninglClosing Date: 12/06!07 - 01!05/08 CUSTOMER SERVICE ~ AMERICAN Payment Due Date: 01!25/08 in U 1-888-305.4016 S •~ f• KENNEL CLUE Minimum Payment Due: . . $4,287.24 Espanol 1-88846-3308 TDD 1-800-955-80~ Pay by phone 1-800436-7958 Outsde U.S. call collect 1-302-594.8200 VISA ACCOUNT SUMMARY Account Number. 4286 8410 8528 0578 Previous Balance $10,473.80 Total Credit Line ACCOUNT INQUIRIES $9,000 p Box 15298 0 Purchases, Cash, Debits +$39.00 Available Credit . . $0 Wilmington DE 19850-5298 Finance Charges +$270.44 Cash Access Line , $1,800 New Balance $10,783.24 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase. com/creditcerds You havenR made the required payments and your credit card account is 150 days past due. You can still tum things around. Call us today at 1-88&792-7547 (collect 1-302-594-8200) so that we can find a solution far your situation. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit DebR 12126 LATE FEE $39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Cortese. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cyde APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V .08216% 29.99% $7,312.81 $186.26 $0.00 $0.00 $186.26 Cash advances V .08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .08216% 29.99% $2,264.95 $57.69 $0.00 $0.00 $57.69 Balance transfer V .08216% 29.99% $1,040.04 $26.49 $0.00 $0.00 $26.49 Total finance charges $270.44 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Eftectiws APR represents your total finance charges - inducting transac8on fees such as cash advance and balance transfer fees -expressed as a percentage. IMPORTANT NEWS New Year, New Toys, New Books, New Treats. Visit the AKC Online Store today: www.akcstore.org. Would you like your statement quidceR How about less mail to open? Go to www.Chase.com today and register to receive your statement on-line. ICs easy, secure and will only take a few minutes. Take the dme tc register today and it will save you time every month going forward! This Statement is a Facsimile -Not an original ~( 0000007 FIS33335 C 3 000 N 2 OS 0e/O1I05 Pepe 1 d 1 00082 MA MIA 77672 06110000030007787201 Statem@nt for account number: 4288 8410 8528 0578 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $11,100.70 02/25/06 $2,504.00 $5,032.70 Make your ehedt payable to Chasa Cab Ssrvlces. Amount Endosed $ New address or a-mail4 Print on bade. 426684106528D578005D3270011100700000001 2476zeFxzo36oec L.rIILIrJrrLlrrlrrlLrJrLrrrll,IrlrrrllrrLlrrrllrrlLrl DONALD N SWIDERSKY 611 PARK HILLS DR CARDMEMBER SERVICE MECHANICSBURG PA 17055-4987 PO BOX 15153 WILMINGTON DE 19886-5153 L.rIllrrrlllrrrrLLrLLrLJIrLrrllrrLrrlrrrllrrJLLJI 1: 5000 i 60 281: 20 3 10 6 5 280 5 78 ill^ y~"'"~ OpeninglCbsing Date: 01!08/08 - 02!05/08 CUSTOMER SERVICE f f~MERICAN Payment Due Date: • KENNEL QU6 Minimum Payment Due: 02/2`~~ In U.S. 1-888-3054016 $5 032.70 ~ , Espaifd 1-888446-3308 TDD 1-800-955-8080 Pay by phone 1-800436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number. 4286 8410 8528 0578 1-302-594-8200 Previous Balance $10,78324 Total Credit Line ACCOUNT INQUIRIES $9,000 p O Box 15298 Purchases, Cash, Debits +$39.00 Available Credit . 30 Finance Charges +$278.46 Cash Access Line Wilmington, DE 19850-5298 $1,800 New Balance $11,100.70 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISR US AT: www.chase. comlcredRcerds The outstanding balance on your credit card account is scheduled to be wdtten off as a bad debt shorty. As a result, your credk bureau will be updated w8h a negative rating that could last for up to seven years. We can still help, but you need to call us now at 1$88-792-7547 (collect 1-302-594.8200). TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Taansacbon Description Credit DebR 01/25 LATE FEE g,00 FINANCE CHARGES Finance Charge Daily Periodic Rate Coresp. Average Daily Due To Taansac0on Accumulated FINANCE Category 3t days in cyde APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V .08216% 29.99% $7,542.14 $192.10 $0.00 $0.00 $192.10 Cash advances V .08218% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .08216% 29.99% $2,323.35 559.18 $0.00 $0.00 $59.18 Balance transfer V .08216% 29.99% $1,066.86 $27.18 $0.00 $0.00 $27.18 Total finance charges 5276.as Eflectlve Annual Percentage Rata (APR): 29.99% Please see Information About Your Account sedion for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you tarty a balance on any transadion category. The Etfecfive APR represents your total finance charges - induding transaction fees such as cash advance and balance transfer fees -expressed as a percentage. This Statement is a Facsimile -Not an original ]( 0000001 FIS33335 C 3 000 N Z OS 08/02/0.5 Page 1 d 1 00082 MAMA 24782 03610000030002178201 .EXHIBIT A BILL OF SALE Turtle Creek Assets, Ltd, by and through its general partner, Forward Properties International, Inc. ("Seller"}, for value received and pursuant to the terms and conditions of the Credit Card Accoum Purchase Agreemenrt between Seller and Pro Credit Solutions ("Purchaser', hereby sells, conveys, transfers and assigns to Purchaser, effective as of the File Creation Date of November 25, 2009, all rights, title and interest of Seller in and to those certain accounts, receivables, Judgments or evidences of debt described in Exhibit 1 attached hereto and made part hereof for all purposes (the "Accounts"}. Number of Accounts 99 Total Unpaid Balances $423,775.45 The Accounts sold hereby were purchased by Seller from CHASE BANK USA, N. A., a national banking association ("Original Creditor"} as evidenced by the Bi11 of Sale from Original Creditor to Se11er attached as Exhibit 2 hereto and made part hereof for all purposes. This BiII of Sale is executed without recourse except as stated in the Credit Card Accourrt Purchase Agreement to which this is an Exhibit. No other represerrtation of ar warranty of title or enforceability is expressed or implied Turtle Creek Assets, I.~td., a Texas limited partnership By: Forward Proper~ie~Internatjdnal, Inc., its general partner By: Gordon ©at 21 2Q09 2:52PM ThomasCSeif 9726361828 p•2 C~~ Ea~BIT A aII.t, of s cbaae Bask USA, N.A. ("~ frx value r~ei,-td and p~ususm to the teams and conditions of Ca~edlt Card Acxouat Purclmse ~ dated ~y ~, 2flOg betwvoYt aad Teruo Creek Assets, Ltd, bS'smd ~81t its 8aaera2 pep;taer Fa~vard Pmpeartie~s ~teenati~al,lac. (°~, itgs moors atbd asengos ~`Crodit Caryl Account Purchase A~eeet~>"~, hereby essi{tas ef&aNvo sa of die Fill G~ation I}ete ofoctober 13, 2009 all ri8hts, titlc and intorest of Seller #a sad to tboBe cex~in eeceivables, jndgaeeats or evidences ofdobt desorfbed #ra Fabibit 1 attached l~ sari made part b~ct~eaf far all purposes. 1Tvmbor of Accounts 33,785 Total Unpaid Bsl~oes S13 344,658.21 Premium Dne Seliez Amounts due #0 5elkr by Purchaser in hervaadea~ shall be paid U, S. I)allam by a wire trsnafet to be reccived by Seller nc latter than ( 22, 204 (the °`Closing Da#e"a by 2:00 pm. Sail's tams, ss follows; Chine ~tk UB~R, N.A. J18A i«11210000~1 Bsr~lldar)- tWnN: t~hasar eaMc usrR, N~-. B~wfldary Itocount: ~G4-Z8$4Y4 I7~is Bill of Ssk is o~ecttted withonrt recaanr~ except as stand #n the Credit Caryl Account Pm+ahase ABrae~rn to which llris is sa Bxb#6it. No other repe+eaaa~tatl~n of or warranty of title ~ enftmoabilhy s`s wed or implied. Clues Bank U Fete: October 19.2009 Turf By: Date: Title Qp Mmas~cr Title t ~ c,S ; ~~ VERIFICATION I, Jason DiNardo, am fully familiar with the facts set forth in this complaint. I verify the facts set forth in the within allegations are true and correct to the best of my knowledge, knowing that any false statements are punishable by law pursuant to 18 C.S.A. 4904. Jason DiNard Pro Credit Solutions IN THE COURT OF COMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRO CREDIT SOLUTIONS, Plaintiff No. 10-02029 r , CD vs. DONALD N. SWIDERSKY, Defendant CIVIL ACTION NOTICE TO PLEAD C ? ° v 1?i Erl MF Wr- >v D ; : C) C .7 rn W ?7 TO: Plaintiff, Pro Credit Solutions You are hereby directed to file a response to the within Preliminary Objections within twenty (20) days or a judgment may be entered against you. Dated: Shawn B. Cohen, Esquire PA ID No. 79478 Attorney for Respondent COFIEN LAW OFFICES 1149 Municipal Drive PO Box 663 Duncansville, PA 16637 (814) 693-0500 IN THE COURT OF COMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRO CREDIT SOLUTIONS, Plaintiff No. 10-02029 vs CIVIL ACTION DONALD N. SWIDERSKY, Defendant PRELIMINARY OBJECTIONS TO PLAINTIFF'S (SECOND) AMENDED COMPLAINT AND NOW, comes the Defendant, Donald N. Swiderski, by and through his attorney, Shawn B. Cohen, and he preliminarily objects to the Plaintiff's (Second) Amended Complaint, and in support thereof respectfully avers as follows: Preliminary Objection for failure of the Complaint to conform to a rule of court under Pa. R.C.P. 1028(a)(2): 1. Pa. R.C.P. 1019(1) requires that, where any claim is based upon a written agreement, the plaintiff shall attach a copy of the writing to the Complaint. 2. Plaintiff's (Second) Amended Complaint attaches a written agreement as Exhibit A. 3. Plaintiff's Complaint at Exhibit A at page S of 6 contains a copyright which occurred after the alleged signing by the Defendant as follows: "Copyright 2007 JP Morgan Chase & Co. All rights reserved." This attachment purports to be a written agreement of the Defendant which is not only contrary in fact, but as well insults common sense and logic. Such attachment proves the Plaintiff or its predeceasor has no agreement for its third filing without such agreement as required by rule 1019 (i). 4. Thus, Plaintiff's references a written "Cardholder Agreement" which attaches an alleged agreement for the Defendant, however, on the face of the document is copyrighted in 2007 some 2 years after the alleged signing of the alleged written agreement with the Defendant; instead, the Plaintiff attaches only monthly billing statements, which are not signed or executed by either party. 5. Plaintiff's Complaint does not reference why the proper writing is not attached. 6. Plaintiff's Complaint attaches a alleged signed document by the Defendant dated 9130105 for a American Kennel Club Card which makes no reference to the Plaintiff or its predeceasor and it contains confidential and personal information which should have been blocked out by the Plaintiff. This information's inclusion is impertinent and highly inappropriate and should be striken and from the pleadings in there entirety. This again is a violation of rule 1028 a (2). Preliminary Objection for failure of the Complaint to conform to a rule of court under Pa. R.C.P. 1028(a)(5) 7. Plaintiff's Complaint attaches other documents all marked "Exhibit A" indicating bills of sale allegedly to represent a sale of Chase Bank USA, N.A. accounts to Pro Credit Solutions, without any proof that this sale encompassed this alleged account or involved any account of the Defendant. As a result the Plaintiff has not demonstrated a capacity to sue this Defendant or anyone in particular. The attachment references other documents without inclusion of the same as well. 8. "Therefore, Plaintiff has once again failed to prove its capacity to sue and failed to join a indispensible party if such party even exists in the first place. 9. The Plaintiff has failed to plead any legal theory which shows it has anv authority to bring this action against this Defendant through its third Complaint. Therefore, the Plaintiffs case should be dismissed. WHEREFORE, the Defendant requests that the Plaintiffs (Second) Amended Complaint be dismissed and that judgment in his favor and against the Plaintiff. Dated: y ' f Respectfully submitted. Shawn B. Cohen, Esquire PA ID No. 79478 Attorney for Respondent COHEN LAW OFFICES 1149 Municipal Drive PO Box 663 Duncansville, PA 1663 (814) 693-0500 IN THE COURT OF COMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PRO CREDIT SOLUTIONS, Plaintiff vs. DONALD N. SWIDERSKY, Defendant CIVIL DIVISION No. 10-02029 CIVIL ACTION CERTIFICATE OF SERVICE I hereby certify that a true and correct copy of the foregoing Preliminary Objections to Plaintiff s (Second) Amended Complaint was served this date by first-class United States mail, sufficient postage prepaid, addressed to: Thomas L. Maher, Esquire P.O. Box 582 Greensburg, PA 15601 Dated: Shawn B. Cohen. Esquire I IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PRO CREDIT SOLUTIONS, Plaintiff, VS. DONALD SWIDERSKY, Defendant(s), REPSONSE TO DEFENDANT'S PI CASE NO.: 10-02029 6 Z7, -° ' -gym C-J 1 { C r, tELINIINAY OBJECTIONS AND NOW, comes the Plaintiff, Pro Credit Solutions, by and though its attorney, Thomas Maher Esq., and files this response to Defendant's Preliminay Objections Count Two, and respectfully avers the following: 1. Paragraph One is a statement of the law to which no response is required. 2. Admitted 3. Denied. The attached agreement is the most recent amendment to line of credit received by the Defendant and, as such, controls this contract and the ensuing breach by the Defendant. 4. Denied. The attached agreement is the most recent amendment to line of credit received by the Defendant and, as such, controls this contract and the ensuing breach by the Defendant. 5. Denied. The attached agreement is the most recent amendment to line of credit received by the Defendant and, as such, controls this contract and the ensuing breach by the Defendant. 6. Denied. It was only at Defendants behest in his first set of Preliminary Objections that this document was required to be included. J e 7. Denied, at any point defendant can request the complete spreadsheet of all the accounts sold to the Plaintiff but has failed to do so. This spreadsheet contains sensitive information regarding other individuals and cannot be made part of the public record without violating Federal privacy and disclosure legislation. 8. Denied, at any point defendant can request the complete spreadsheet of all the accounts sold to the Plaintiff but has failed to do so. This spreadsheet contains sensitive information regarding other individuals and cannot be made part of the public record without violating Federal privacy and disclosure legislation. 9. Denied, at any point defendant can request the complete spreadsheet of all the accounts sold to the Plaintiff but has failed to do so. This spreadsheet contains sensitive information regarding other individuals and cannot be made part of the public record without violating Federal privacy and disclosure legislation. WHEREFORE, the Plaintiff respectfully requests that this Court dismiss Defendants Preliminary objections and finther order this case forward to arbitration. Dated: October 7, 2010 Tho as Maher Attorney for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PRO CREDIT SOLUTIONS, Plaintiff, VS. DONALD SWIDERSKY, Defendant(s), CASE NO.: 10-02029 CERTIFICATE OF SERVICE I, Thomas L Maher Esq., hereby certify that a true and correct copy of the foregoing response was sent to Shawn Cohen, attorney for the defendant, at 1149 Municipal Drive PO Box 663 Duncansville PA 16635, by first class mail postage prepaid this the 5 day of October 2010. Dated: October 7, 2010 Tho as Maher Attorney for Plaintiff cprr'? A PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for the next Argument Court.) -- ??------------ --- ----- -----? -_-? C C= CAPTION OF CASE ..p3C o (entire caption must be stated in full) rnn rn = Pro Credit Solutions Z N) ?Z tV C" vs. Donald N. Swidersky Z C 5? No. 2010-02029 N rrtr? 1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to complaint, etc.). Preliminary Objections 2. Identify all counsel who will argue cases: (a) for plaintiffs: Thomas Maher, Esq., P.O. Box 582, Greensburg, PA 15601 (Name and Address) Cohen Law Offices (b) for defendants: 1149 Municipal Drive, P.O. Box 663, Duncanville, PA 16635 (Name and Address) 3. 1 will notify all parties in writing within two days that this case has been listed for argument. Yes 4. Argument Court Date: 12/15/2010 Signature Thomas Maher Print your name Pro Credit Solutions 11/18/2010 Attorney for Date: c? -arn do 4c:) O-*1 CCO -ice A INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 12 days prior to argument. 3. The responding party shall file their brief 5 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) after the case is rellsted. IN THE COURT OF COMMON PLEAS OF Plaintiff Pro Credit Solutions CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW Defendant Donald N. Swidersky : No. 2010-2029 CIVIL TERM o Cp -r m - Frei r ORDER OF COURT c C z IN RE: ARGUMENT COURT ? ? a, q o AND NOW, this 9ch day of December, 2010, the case listed above has been stricken from the 12/15/2010 Argument Court List due to the listing party's failure to file a brief in accordance with Cumberland County Local Rule 1028 (c) (5). By the Court, Kevin . Hess, P.J. . FILED-OFFICE OF TI-E PROTHONOT0Y 2011 JAH 2 l FM 1: 58 CUtPEN SYLVAN A COUNTY IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION: PRO CREDIT SOLUTIONS, ) Plaintiff, ) No. 10-02029 Vs. ) TYPE OF PLEADING: PETITION TO COMPEL ANSWER Donald N Swidersky, ) Defendant(s), ) Filed on behalf of Pro Credit Solutions Counsel of record for this party: Thomas L. Maher, Esq. P.O. Box 582 Greensburg, PA 15601 (888)-793-3238 PA ID # 207970 COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRO CREDIT SOLUTIONS, vs. Plaintiff : Defendant No. 10-02029 CIVIL ACTION Donald N Swidersky PETITION TO COMPEL ANSWER AND NOW, comes the Plaintiff, Pro Credit Solutions, by and through its attorney, Thomas L Maher Esq, and files this Motion to Compel. 1. On March 23, 2010 Plaintiff commences the above captioned matter in the Court of Common Pleas of Cumberland County to recover a balance owed on a consumer debt. 2. On September 20, 2010 Defendant filed preliminary objections to Plaintiffs Amended Complaint. 3. Defendant failed to follow the local rules of court and submit a brief in support of said preliminary objections in accordance with Cumberland County Local Rule 1028(c) (5). 4. On December 9, 2010, Asa result of this failure to comply with Local Rule 1028 [c] [5], Defendant's argument was stricken by President Judge Kevin Hess. See attached Order of Court Exhibit "A". 5. Plaintiff, now, would respectfully request that this court enter an order to compel an answer by the Defendant to Plaintiff's Amended Complaint. WHEREFORE, due to Defendants failure to comply with aforementioned local rules Plaintiff, requests this honorable court compel the defendant to file an answer within 20 days or risk a default judgment being entered. By:_ / Thoaas L Maher, Esquire Atty. I.D. 207970 Attorney for Plaintiff P.O. Box 582 Greensburg, PA 15601 (888)-793-3238 COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRO CREDIT SOLUTIONS, Plaintiff No. 10-02029 vs. Donald N Swidersky CIVIL ACTION Defendant CERTIFICATE OF SERVICE I hereby certify that on 19th day of January 2011, I served the within Petition to Compel Answer, by the US First Class Mail, to: Robert Lascher Cohen Law Office 1149 Municipal Drive PO Box 663 Duncansville PA 16635 Thomas L Maher, Esquire Atty. I.D. 207970 Attorney for Plaintiff P.O. Box 582 Greensburg, PA 15601 (888)-793-3238 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PRO CREDIT SOLUTIONS, Plaintiff VS. CIVIL DIVISION fJ7., 4.7 ? No 10-02029 T -- . _ - rv ?-??r7r DONALD N. SWIDERSKY, Defendant DEFENDANT'S ANSWER, NEW MATTER, AND COUNTERCLAIM TO PLAINTIFF'S COMPLAINT Filed on Behalf of Defendant: Donald N. Swidersky Counsel of Record for this Party: Shawn B. Cohen, Esquire PA ID No. 79478 Attorney for Defendant COHEN LAW OFFICES 1149 Municipal Drive PO Box 663 Duncansville, PA 16635 (814) 693-0500 PRO CREDIT SOLUTIONS, Plaintiff VS. DONALD N. SWIDERSKY, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA : CIVIL ACTION -- LAW : No. 10-02029 DEFENDANT'S ANSWER. NEW MATTER AND COUNTERCLAIM TO PLAINTIFF'S COMPLAINT AND NOW, comes the Defendant, Donald N. Swidersky, by and through his attorney, Shawn B. Cohen of Cohen Law Offices, and hereby files this Answer, New Matter and Counterclaim to Plaintiff's Complaint and in support thereof respectfully avers as follows: 1. Admitted in part and denied in part. Plaintiff's Complaint fails to state if Plaintiff is a Corporation or an individual as required by Pa.R.C.P. 1019(a). 2. Admitted. 3. Denied. After reasonable investigation, Defendant is without knowledge, memory, or information sufficient to form a belief as to the truth of the allegations contained in this paragraph and therefore these allegations are specifically denied. 4. Denied. After reasonable investigation, Defendant finds the card agreement as attached to the Plaintiff's Complaint to be copyrighted in 2007; however, the attached signature of Defendant was dated 2005; thus the truth of the allegations contained in this paragraph are specifically denied. 6. Denied. After reasonable investigation, Defendant finds the card agreement as attached to the Plaintiff's Complaint to be copyrighted in 2007; however, the attached signature of Defendant was dated 2005; thus the truth of the allegations contained in this paragraph are specifically denied. 7. Denied. After reasonable investigation, Defendant is without knowledge, memory, or information sufficient to form a belief as to the truth of the allegations contained in this paragraph, and therefore these allegations are specifically denied. 8. Denied. After reasonable investigation, Defendant is without knowledge, memory, or information sufficient to form a belief as to the truth of the allegations contained in this paragraph, and therefore these allegations are specifically denied. 9. Denied. Defendant is without knowledge, memory, or information sufficient to form a belief as to the truth of the allegations contained in this paragraph, and therefore these allegations are specifically denied. 10. Denied. After reasonable investigation, Defendant finds the assignment attached and listed as exhibit "B" to be an assignment from Chase Bank USA, N.A. to Turtle Creek Assets, Ltd., with no mention of the alleged account number of Defendant. Thus, Plaintiff Pro Credit Solutions is not a proper party to this action. 11. Denied. After reasonable investigation, Defendant finds the card agreement as attached to the Plaintiff's Complaint to be copyrighted in 2007; however, the attached signature of Defendant was dated 2005; thus the truth of the allegations contained in this paragraph are specifically denied. 12. Denied. After reasonable investigation, Defendant finds the card agreement as attached to the Plaintiff's Complaint to be copyrighted in 2007; however, the attached signature of Defendant was dated 2005; thus the truth of the allegations contained in this paragraph are specifically denied. 13. Denied. After reasonable investigation, Defendant finds the card agreement as attached to the Plaintiff's Complaint to be copyrighted in 2007; however, the attached signature of Defendant was dated 2005; thus truth of the allegations contained in this paragraph are specifically denied. 14. Denied. After reasonable investigation, Defendant finds the card agreement as attached to the Plaintiff's Complaint to be copyrighted in 2007; however, the attached signature of Defendant was dated 2005; thus the truth of the allegations contained in this paragraph are specifically denied. 15. No responsive pleading is required pursuant to Pa. R.C.P. 1029(d). 16. Denied. After reasonable investigation, Defendant finds the card agreement as attached to the Plaintiff s Complaint to be copyrighted in 2007; however, the attached signature of Defendant was dated 2005; thus the truth of the allegations contained in this paragraph are specifically denied. 17. Denied. After reasonable investigation, Defendant finds the card agreement as attached to the Plaintiffs Complaint to be copyrighted in 2007; however, the attached signature of Defendant was dated 2005; thus the truth of the allegations contained in this paragraph are specifically denied. 18. Denied. After reasonable investigation, Defendant finds the card agreement as attached to the Plaintiff s Complaint to be copyrighted in 2007; however, the attached signature of Defendant was dated 2005; thus the truth of the allegations contained in this paragraph are specifically denied. 19. Denied. After reasonable investigation, Defendant is without knowledge, memory, or information sufficient to form a belief as to the truth of the allegations contained in this paragraph and therefore these allegations are specifically denied. Also, Plaintiff would hold no right to Quantum Meruit fees as no services were provided by Plaintiff or its predecessors. 20. Denied. After reasonable investigation, Defendant is without knowledge, memory, or information sufficient to form a belief as to the truth of the allegations contained in this paragraph and therefore these allegations are specifically denied. Also, Plaintiff would hold no right to Quantum Meruit fees as no services were provided by Plaintiff or its predecessors. 21. Denied. After reasonable investigation, Defendant is without knowledge, memory, or information sufficient to form a belief as to the truth of the allegations contained in this paragraph and therefore these allegations are specifically denied. Also, Plaintiff would hold no right to Quantum Meruit fees as no services were provided by Plaintiff or its predecessors. 22. Denied. After reasonable investigation, Defendant is without knowledge, memory, or information sufficient to form a belief as to the truth of the allegations contained in this paragraph and therefore these allegations are specifically denied. Also, Plaintiff would hold no right to Quantum Meruit fees as no services were provided by Plaintiff or its predecessors. 23. Denied. After reasonable investigation, Defendant is without knowledge, memory, or information sufficient to form a belief as to the truth of the allegations contained in this paragraph and therefore these allegations are specifically denied. Also, Plaintiff would hold no right to Quantum Meruit fees as no services were provided by Plaintiff or its predecessors. 24. Denied. After reasonable investigation, Defendant is without knowledge, memory, or information sufficient to form a belief as to the truth of the allegations contained in this paragraph and therefore these allegations are specifically denied. Also, Plaintiff would hold no right to Quantum Meruit fees as no services were provided by Plaintiff or its predecessors. WHEREFORE, Defendant respectfully requests that this Court enter judgment in his favor and against Plaintiff for all consequential and incidental damages, including reasonable attorneys' fees and costs and such other and further relief as this Court deems just and proper. NEW MATTER 25. Defendant incorporates herein by reference his answers to Paragraphs 1 through 24 of this Answer and New Matter as though the same were set forth at length. 26. Plaintiff's complaint seeks to recover $ 11,139.70 plus costs and interest at the rate of 6% per annum from the defendant, alleging Defendant failed to perform under terms of a written contract. 27. Plaintiff's Complaint has an attached exhibit "A" which appears to be a customer agreement; however, this agreement contains no signature of Defendant that would show acknowledgment of an agreement pursuant to Pa.R.C.P. 1019(i). 28. Plaintiff's Complaint alleges that an agreement existed between the parties and that it required the Defendant to pay the Plaintiff's legal fees of $500.00, but said agreement fails to provide a signature of Defendant in acknowledgement of any such agreement pursuant to Pa.R.C.P. 1019(1). 29. Plaintiff's Complaint fails to state a claim upon which relief may be granted as no contract between Plaintiff and Defendant has been formed. WHEREFORE, Defendant respectfully requests that this Court enter judgment in his favor and against Plaintiff for all consequential and incidental damages, including reasonable attorneys' fees and costs and such other and further relief as this Court deems just and proper. COUNTERCLAIM 30. Defendant, Donald N. Swidersky, residing at: 611 Park Hills Drive, Mechanicsburg, PA 17055, in Answer and Counterclaim, says: He denies each allegation of the complaint. First Separate Defense 31. Defendant never applied for, requested, accepted or used any card issued by Pro Credit Solutions. 32. Defendant is not liable for any account started without his signed application or request or knowledge, or permission. 15 U.S.C. 1642. Second Separate Defense 33. The credit card account was never accepted by Defendant, and all charges on the alleged account are unauthorized charges for which Defendant is not liable. 15 U.S.C 1643(b). WHEREFORE Defendant demands that the suit be dismissed with prejudice. Counterclaim: First Cause of Action: Fair Debt Collection Practices Act 1. Defendant repeats here all his previous allegations. 2. The Plaintiff is a Pennsylvania Corporation which is in the business of buying defaulted accounts receivable from creditors, and then attempting to collect these claims. 3. Each year Plaintiff purchases thousands of consumer credit card accounts which are in default at the time Plaintiff purchases them. Attached Exhibit "B" of Plaintiff's Complaint. 4. Plaintiff attempts to collect defaulted consumer claims by letters, by phone calls, and by lawsuits. 5. Plaintiff purchases consumer debt at very significant discounts to the face value of the claims. 6. On information and belief, Plaintiff paid no more than three percent of the face amount of the claim to acquire the claim upon which Plaintiff now sues. 7. The principal purpose of Plaintiff s business is the collection of consumer debts. 8. Each year Plaintiff starts thousand of lawsuits which attempt to collect defaulted consumer debts, such as credit card debts. 9. In this lawsuit Plaintiff attempts to collect a consumer debt on an alleged credit card account which Plaintiff alleges is in default. 10. This lawsuit is typical of the type of lawsuit which Plaintiff routinely files each year. 11. The address of Plaintiff is P.O. Box 582, Greensburg, PA 15601. 12. On information and belief, Plaintiff is associated with Thomas L. Maher, Esquire by reason of common ownership, control, officers and/or employees.. 13. Thomas L. Maher, Esquire is located at P.O. Box 582, Greensburg, PA 15601. 14. Plaintiff used Thomas L. Maher, Esquire as its agent in an attempt to collect the claim at issue in this suit. 15. On March 23, 2010 Plaintiff and Thomas L. Maher, Esquire filed a complaint in the Court of Common Pleas of Cumberland County, Pennsylvania, wherein Plaintiff demanded that Defendant pay $11,139.70 plus costs and interest at the rate of 6% per annum as well as reasonable attorneys fees of $500.00, allegedly owing on Chase credit card account number 4266841065280578, issued by Chase and now allegedly assigned to Plaintiff Pro Credit Solutions, LLC. 16. Plaintiffs agent, Thomas L. Maher, Esquire, never provided Defendant with any document containing the signature of Defendant. 17. Plaintiff s agent, Thomas L. Maher, Esquire, never provided Defendant with any document containing the signature of Defendant on an application or request for credit. 18. Federal Law, 15 U.S.C. 1642 requires that every credit card account begin with an application or request for credit. 19. Plaintiff s agent, Thomas L. Maher, Esquire, did not verify the account by obtaining a copy of the application/request for credit signed by the consumer who started the account. 20. Plaintiff's agent did provide a paper print out which contained numbers but no proof that Defendant contracted the debt. 21. On March 23, 2010, neither Plaintiff nor its agent had a document signed by Defendant which would prove his liability on the disputed credit card account. 22. Without possessing any admissible evidence that Defendant was ever indebted to Pro Credit Solutions, Plaintiff intentionally sued Defendant anyway. 23. Plaintiff Pro Credit Solution through its agent, Thomas L. Maher, Esquire, misrepresented the character, amount and legal status of the alleged claim, in violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692(e). 24. Plaintiff Pro Credit Solutions through its agent, Thomas L. Maher, Esquire, violated the Fair Debt Collection Practices Act, 15 U.S.C. 1692(f) by attempting to collect a debt which was not owing by Defendant and for which neither Plaintiff nor its agent had any documents signed by Defendant to show liability. 25. Plaintiff Pro Credit Solutions has repeatedly made phone calls to Defendant in an attempt to collect a claim which he does not owe. 26. Defendant has suffered actual damages, including but not limited to anxiety, mental anguish and suffering, humiliation, loss of credit standing and other incidental and consequential damages as a result of the debt collection activities of Plaintiff and its agent. WHEREFORE Defendant demands judgment against Pro Credit Solutions pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692(k), in the amount of a) actual damages b) statutory damages of $1,000 c) such other relief as the Court may deem appropriate. Counterclaim: Second Cause of Action: Pennsylvania Consumer Protection Act 27. Defendant repeats his prior allegations contained herein. 28. Plaintiff alleges that there was a consumer credit account, a Chase credit card which is normally used for the purchase of consumer goods and services. 29. Loans and credit cards are "services" covered by the Pennsylvania Consumer Protection Act, 73 P.S. §201-2(3). 30. The Pennsylvania Consumer Protection Act also regulates the "subsequent performance" of covered contracts, 73 P.S. §201-2(4). 31. Plaintiff alleges (but has not proven) that it is the assignee of the creditor in a Chase credit card consumer credit card account. 32. Plaintiff's assignor apparently has allowed a credit card contract suit to be started without any proof that the alleged cardholder requested or applied for such a card. 33. Pro Credit Solutions, in the subsequent performance of the consumer credit card account has violated the Pennsylvania Consumer Fraud Act in many ways, committing unconscionable commercial practices, deception and misrepresentations, including but not limited to the following: 34. Pro Credit Solutions has sued Defendant for over $11,139.70 plus costs and interest at the rate of 6% per annum as well as reasonable attorney fees of $500.00, without possessing one piece of admissible evidence that he owed the claim. 35. Defendant has ascertainable damages in the amount of $11,139.70 plus cost and reasonable attorney fees, which is the amount of the unconscionable 100% overcharge and the amount of the injury to his credit standing. 36. Credit card accounts begin with a signed application or request for credit, which is required by 15 U.S.C. 1642. 37. Pro Credit Solutions has refused to produce any actual documents with the signature of Defendant relating to this account. 38. Pro Credit Solutions is a debt buying company. 39. Pro Credit Solutions does not demand or receive any documents signed by the alleged consumer-debtors when Pro Credit Solutions buys its debts. 40. Pro Credit Solutions pays a very small percentage of the face value of the claim when it buys consumer credit card debts. 41. On information and belief, Plaintiff paid no more than three percent of the face amount of the claim to acquire the claim upon which Plaintiff now sues. 42. On information and belief, Plaintiff paid no more than $500 to buy the claim on which it sues. 43. It is an unconscionable commercial practice and against public policy for Pro Credit Solutions to sue consumers for $11,139.70 plus costs and interest at the rate of 6% per annum as well as reasonable attorney fees of $500.00, after paying less than $500 for the claim, and without possessing any evidence that the consumer had a debt in the first place, such as the signature of the consumer on a contract or credit application. 44. In the business model of Pro Credit Solutions, Plaintiff demands that an innocent person pay over $11,139 without producing: a) the signature of the person on a contract or credit application, or b) proof that Pro Credit Solutions owns the claim. 45. Under the unconscionable commercial practices of Pro Credit Solutions, any citizen could be sued for any amount without Pro Credit Solutions producing any legally admissible proof of debt. WHEREFORE Defendant, Donald N. Swidersky, demands judgment against the Plaintiff, Pro Credit Solutions in the amount of: a) triple his ascertainable damages, pursuant to 73 P.S. §201-9.2(a). b) such other relief as the Court may deem appropriate. Date: f Respectfully submitted, Shawn B. Cohen, Esquire PA ID No. 79478 Attorney for Defendant COHEN LAW OFFICES 1149 Municipal Drive PO Box 663 Duncansville, PA 16635 (814) 693-0500 CERTIFICATE OF SERVICE: I hereby certify that a true and correct copy of the foregoing document was served this date by first-class United States mail, sufficient postage prepaid, addressed to: Thomas L. Maher, Esquire P.O. Box 582 Greensburg, PA 15601 Date Ronald N. Repak, Esquire COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRO CREDIT SOLUTIONS, Plaintiff No. 10-02029 VS. , Donald N Swidersky CIVIL ACTION L'?m Defendant - a• - ORDER OF COURT AND NOW, this 9 ` day of , 2011 upon review of Plaintiff's foregoing Motion it is hereby ORDERED that defendants Preliminary Objections are overruled and Defendant is ordered to file an answer within 20 days from the date of this order or risk judgement by default. hn /' fit. /•?it7.: ? ?? pl !ac ?.? ? Iri? /?r? fa ? ?- is 6r, y Cv.•.4-lAa Cove-A R"4 281c BY THE COURT: PqT Cohen Law MQ;ied a/ la6 COU T OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA. CIVIL DIVISION PRO CREDIT SOLUTIONS, Plaintiff No. 10-02029 VS. CZ Donald Swidersky ?3 co CONSENT JUDGMENT ° rn a' X n • cnrA" _ :6rn Tyres W O? Defendant AGREEMENT FOR ENTRY OF JUDGMENT AND NOW, this . JJ ? day of r (_ , 2011, it is hereby agreed to between the parties that judgment be entered in this action in favor of the Plaintiff and against the Defendant for the sum of $5,000. Defendant's counterclaim is hereby dismissed. 11-W i Attorney for Plaintiff M«?c? ?.J? . Attorney for Defendant 8 Cok- p6lf)I L'& Oil- ('ll? 0553 ic41C{ IIIIta,e1 Y % IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Pro Credit Solutions Plaintiff, V. Donald NS idersky, Defendant, Pro Credit (1) A notice delivered to served, CIVIL DIVISION Docket No. 2010-02029 n ;MM Z:0 r r - v r, a n-71 .. CD r ? CATE PREREQUISITE TO SERVICE OF A SUBPOENA PURSUANT TO RULE 4009.22 certifies that: of intent to serve the subpoena with a copy of the subpoena attached thereto was mailed or ,ach party at least twenty days prior to the date on which the subpoena is sought to be (2) A copy Of the notice of intent, including the proposed subpoena, is attached to this certificate, (3) No obje?tion to the subpoena has been received, and (4) The sub oena which will be served is identical to the subpoena which is attached to the notice of intent to se e the subpoena. DATE: Jun 29, 2011 Thomas L. Maher, Esq. Attorney for Plaintiff PA I.D. 207970 Pro Credit Solutions r IN THE OURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION Pro Credit Solutions, V. Donald N S Plaintiff, 7 Defendant, Docket No. 2010-02029 NOTICE ?F INTENT TO SERVE SUBPOENA TO PRODUCE DOCUMENTS AND THINGS FOR DISCOVERY PURSUANT TO RULE 4009.21 Pro Credit Solutions intends to serve a subpoena identical to the one that is attached to this notice. You have twenty (20) days from the date listed below in which to file of record and serve upon the undersigned an objection to the subpoena. If no objection is made, the subpoena may be served. DATE: June 6, 2011 Thomas L. Maher, Esq. T Pro Credit Solutions r . COMMONWEALTH OF PENNSYLVANIA ,'Oro COUNTY OF CUMBERLAND File No. l? O ?? t? d h L SUBPOENA TO PRODUCE DOCUMENTS OR THINGS FOR DISCOVERY PURSUANT TO RULE 4009.22 (Name of Person or Entify) ithin twenty (20) days after service of this subpoena, you are ordered by the court to produce the following ocuments or things: Aly lend all dote s Y,??, c t-e-, at /O0 ?OX . "8 6-re en ab6ery 1JX r 1;n61 (Address) You may deliver or mail legible copies of the documents or produce things requested by this subpoena, together with the certificate of compliance, to the party making this request at the address listed above. You have the right to seek in advance the reasonable cost of preparing the copies or producing the things sought. If you fail to produce the documents or things required by this subpoena within twenty (20) days after its se vice, the party serving this subpoena may seek a court order compelling you to comply with it. THIS SU POENA WAS ISSUED AT THE REQUEST OF THE FOLLOWING PERSON: NAME: _ F1pM661 L. w? , l ADDRES : P b?G-d Z TELEPH E: i Zaf f - 11 3 - 3s SUPREME COURT' iD# A eistns ATTORNI'Y FOR: e!Z"-T-rf Date: ea; of the C urt BY THE C T: v;oo? PProthonStfy, MI Dj& 11z'00000F d% Deputy