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HomeMy WebLinkAbout10-4666Our File No. 379653 ATTORNEYS FOR PLAINTIFF ETSC C M. BERMAN, P. C. BY: Eric M. Berman, Esquire, I.D. 83698 BY: Robert M. Kline, Esquire,I.D. 56479 500 North Gulph Road, Suite 350 King of Prussia, PA 19406 (484) 690-3900 COURT OF COMMON PLEAS -----------------------------------------X COUNTY OF CUMBERLAND US BANK ASSOCIATION D/B/A ELAN FINANCIAL . SERVICES c/o ERIC M. BERMAN, P.C. TRIAL DIVISION 500 North Gulph Road, Suite 350 King of Prussia, PA 19406 CIVIL ACTION VS. Term c-) Q CRAIG HENCH SHELIA HENCH i.: 9 KEYSTONNE DR r -" c..n MECHANICSBURG, PA 17050 1571 -{ ------------------x No. /D -16 CImI ` - NOTICE You have been sued in court. If you wish to defend agains? the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in this complaint or for any other claim or relief required by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW OR FIND OUT WHERE YOU CAN GET LEGAL HELP. AVISO -? rn -Ty .b Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plaza al partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia escrita o en persona o con un abagado y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notification. A demas la la corte puede decidir a favor del demandante y requiere que usted compla con todas las provisiones de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATEMENTE. SI NO TIENE ABOGA O SO NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO. VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. LAWYER REFERRAL SERVICE, COUNTY OF CUMBERLAND BAR ASSOCIATION Add.: 2 LIBERTY AVE., CARLISLE, PA 17013 Tel.: 800-990-9108 R? ?yS3 o6 Ours File No. 379653 ATTORNEYS FOR PLAINTIFF ERIC M. BERMAN, P.C. BY: Eric M. Berman, Esquire, I.D. 83698 BY: Robert M. Kline, Esquire,I.D. 56479 500 North Gulph Road, Suite 350 King of Prussia, PA 19406 (610) 265-7720 -------------------------------------- US BANK ASSOCIATION SERVICES c/o ERIC M. BERMAN, 500 North Gulph King of Prussia, VS. CRAIG HENCH SHELIA HENCH 9 KEYSTONNE DR MECHANICSBURG, D/B/A ELAN FINANCIAL . P. C. Road, Suite 350 PA 19406 PA 17050 1571 -----------------------------------------X COMPLAINT COURT OF COMMON PLEAS COUNTY OF CUMBERLAND CIVIL ACTION Term No. 1. Plaintiff, US BANK ASSOCIATION D/B/A ELAN FINANCIAL SERVICES, is a NATIONAL BANKING ASSOCIATION authorized to do business in the Commonwealth of Pennsylvania with its place of business at 3033 CAMPUS DRIVE - SUITE 250, PLYMOUTH, MN 55441. 2. The Defendant(s), CRAIG HENCH SHELIA HENCH , resides at 9 KEYSTONNE DR , MECHANICSBURG, PA 17050-1571. 3. There is due from the Defendant(s) the sum of $10,477.02 for credit extended by Plaintiff to Defendant(s), acct. no. ************9523, and which such credit was drawn and used by the Defendant(s). Defendant(s) is in default for failure to make payments for such use. 4. The Plaintiff has made demand upon the Defendant(s) for payment of monies in the sum of $10,477.02 advanced to Defendant(s) through Defendant(s) use of the above-referenced credit account, but Defendant(s) has failed and refused to pay the said sum or any part thereof. 5. All applicable credits, if any, have been duly applied to Defendant(s) credit account. WHEREFORE, Plaintiff claims of the Defendant(s) the sum of $10,477.02 plus interest, attorneys fees and costs which are justly due and owing from the Defendant(s) to the Plaintiff. Dated: JUNE 18, 2010 SPACEBNW-ZN ERIC M. BERMAN, P.C. BY:/Eric M. Ber n, Esquire BY:/S/Robert M. in squire Attorneys for Plaintiff VERIFICATION Eric M. Berman, Esquire, being duly sworn according to law, deposes and says that he is the Principal attorney of Eric M. Berman, P.C., attorneys for the Plaintiff, and/or Robert M. Kline, Esquire, being duly sworn according to law, deposes and says that he is an associate attorney with said firm, and as said attorney, is authorized to take this verification on its behalf, and that the facts in the Complaint as set forth therein are true and correct to the best of his knowledge, information and belief. I verify that the statements true and correct. I understand to the penalties of 18 Pa C.S.A. falsifications to authorities. BY:/S/Eric M. Berman, Esquire made in the within instrument are that false statements are subject Section 4904 relating to unsworn BY:/S/Robert M. Kline, Esquire Dated: JUNE 18, 2010 SPACEBNW-ZN LAW OFFICES OF PETER J. RUSSO, P.C. ATTORNEYS FOR DEFENDANTS 5006 EAST TRINDLE ROAD, SUITE 100 MECHANICSBURG, PA 17050 (717} 591-1755 -PHONE (717) 591-1756 -FAX US BANK ASSOCIATION D/BIA ELAN FINANCIAL SERVICES ~" ~ r Tr'__ ~01~ A u ~ -~Z ~~~:.r ~:. l~vU a Par 3-d3 ;,:.; .._ ~'_. COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PLAINTIFF v. CIVIL ACTION -LAW CRAIG HENCH and SHELIA HENCH NO. 10-4666 CIVIL TERM DEFENDANTS JURY TRIAL DEMANDED NOTICE TO PLEAD TO: US BANK ASSOCIATION D/B1A ELAN FINANCIAL SERVICES c!o ERIC M. BERMAN, ESQUIRE You are hereby notified to file a written a written response to the enclosed Defendants' Preliminary Objections within twenty (20) days from service hereof or a judgment may be entered against you. Respectfully submitted, R J. RUSSO, P.C. Peter 7-Russo, s ue Attorney ID No. 72897 Elizabeth J. Saylor, Esquire Attorney ID No. 20013 5006 East Trindle Road, Suite 100 Mechanicsburg, PA 17050 71?-591-1755 Date: ~/~oj~~~ LAW OFFICES OF PETER J. RUSSO, P.C. ATTORNEYS FOR DEFENDANTS 5006 EAST TRINDLE ROAD, SUITE 100 MECHANICSBURG, PA 17050 (717) 591-1755 -PHONE (717) 591-1756 -FAX US BANK ASSOCIATION DB/A ELAN FINANCIAL SERVICES COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PLAINTIFF v. CRAIG HENCH and SHELIA HENCH DEFENDANTS CIVIL ACTION -LAW NO. 10-4666 CIVIL TERM JURY TRIAL DEMANDED PRELIMINARY OB TECTIONS OF DEFENDANTS CRAIG HENCH AND SHELIA HENCH TO PLAINTIFF'S COMPLAINT AND NOW, COME Defendants, Craig Hench and Shelia Hench by and through their attorneys, Law Offices of Peter J. Russo, P.C., and file the within Preliminary Objections to Plaintiff s Complaint, and in support thereof, avers as follows: 1. On or about July 15, 2010, Plaintiff commenced an action against Defendants by filing a Complaint in the Court of Common Pleas of Cumberland County, Pennsylvania. 2. Plaintiff's Complaint purports to set forth a single cause of action against Defendants sounding in breach of contract. FAILURE OF A PLEADING TO CONFORM TO LAW OR RULE OF COURT and INSUFFICIENT SPECIFICITY IN APLEADING - PA.R.C.P.1028 3. Paragraphs 1 - 2 are incorporated herein by reference as if fully set forth at length. 4. Rule 1019 (h) and Rule 1019 (i) of Pennsylvania Rules of Civil Procedure requires that when any claim or defense is based upon an agreement and if the agreement is in writing, it must be attached to the pleading. 5. The allegations set forth in Plaintiffs Complaint assert that Defendant owes a sum specific of money to the Plaintiff, specifically $10,477.02. 6. Plaintiff does not attach "a true and correct copy of the total due and owing." 7. Plaintiff fails to attach the. contract between the parties and is therefore in violation of the Rules of Civil Procedure. 8. In a credit card suit, a creditor must "attach the writings which assertedly establish [the creditor's] right to a judgment." Atlantic Credit and Finance, Inc. v. Giuliani, 2003 PA Super 259, 829 A.2d 340, 345 (2003). 9. The Plaintiff has failed to "attach the writings which assertedly establish [the creditor's] right to a judgment." 10. Rule 1019 of the Pennsylvania Rules of Civil Procedure requires that a plaintiff shall (1) set forth the material facts upon which a cause of action is based and (2) attach the writings when a claim is based on a writing. 11. Whenever a claim involves one period of time in which the initial terms and conditions of the credit card agreement apply and other periods of time in which amended terms and conditions apply, the plaintiff must attach to the complaint both the original and amended terms and conditions with the dates on which they are applicable. Worldwide Asset Furchasin~, LLC v. Stern, 153 P.L.J. 111 (2004). 12. A complaint in which a plaintiff seeks recovery of a specific amount of money that is allegedly due must include documentation or allegations supporting recovery of this amount sufficient documentation to permit a defendant to calculate the total amount of damages that are allegedly due by reading the documents attached to the complaint and the allegations in the complaint. Worldwide Asset Purchasing LLC v Stern, 153 P.L.J. 111 (2004). 13. Plaintiffs Complaint is insufficiently specific because it does not meet the requirements of Pa. R.C.P. 1019(a) and (fj. 14. Plaintiff avers that Defendants owes $ 10,477.02 far charges made under a credit agreement with a credit card yet does not attach anything showing such information. 15. Pa.R.C.P. 1019(f) states that "[aJverments of time, place and items of special damage shall be specifically stated." 16. Plaintiff has failed to comply with Pa.R.C.P. 1019(f). 17. Defendants believe therefore aver that the obligation Plaintiff seeks to collection has been assigned from the original creditor and Plaintiff has not attached an a true and correct copy of said assignment. WHEREFORE, Defendants respectfully request that this Honorable Court SUSTAIN the Preliminary Objection and strike Plaintiff's Complaint. Respectfully submitted, R J. RUSSO, P.C. Peter J. usso, Attorney ID No. 72897 Elizabeth J. Saylor, Esquire Attorney ID No. 20013 5006 East Trindle Road, Suite 100 Mechanicsburg, PA 17050 717-591-1755 Date: ~~~~~~('~ k ~ . . LAW OFFICES OF PETER J• RUS50, P.C. ATTORNEYS FOR DEFENDANTS SOOb EAST TRINDLE ROAD, SUITE 100 MECHANICSBURG, PA 17050 (717) 591-1755 -PHONE (717) 591-1756 -FAX US BANK ASSOCIATION DB/A ELAN FINANCIAL SERVICES PLAINTIFF v. CRAIG HENCH and SHELIA HENCH DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW NO. 10-4666 CIVIL TERM JURY TRIAL DEMANDED CERTIFICATE OF SERVICE I hereby certify that I have on this day served a true and correct copy of Defendants' Preliminary Objections to Plaintiff's Complaint upon the following persons, in the manner indicated: FIRST CLASS MAIL Eric M. Berman, P.C. 500 North Gulph Road Suite 350 King of Prussia, PA 19406 THE LAW OFFICES OF PETER J. RUSSO, P.C. Attorneys for Defendants BY: Ashley :Sipe, Parale al Dater ~~~~ ~ ~ ~ SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ron~nty~ R Anderson Shel I/I Jody S Smith Chief Deputy Richard W Stewart Solicitor ~$~~xtr cf '~u~p;~rr~~~~ ~' ~ .~; .,.. .. ~P- QFFIc~ -F -~~st~ERI~F _, t~~r ~In I „~, 2Qf~t~u~J--3 r~t1~~ l4VG 3 WWI u•. ~t$ ~'.~, I i , US Bank National Association vs. Craig Hench (et al.) Case Number 2010-4666 SHERIFF'S RETURN OF SERVICE 07/19/2010 09:44 AM -Ronald Hoover, Deputy Sheriff, who being duly sworn according to law, states that on July 19, 2010 at 0944 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Craig Hench, by making known unto himself personally, at 9 Keystone Drive, Mechanicsburg, Cumberland County, Pennsylvania 17050 its contents and at the same time handing to him personally the said true and correct copy of the same. <S~/~ RONALD HOOVER, DEPUTY 07/19/2010 09:44 AM -Ronald Hoover, Deputy Sheriff, who being duly sworn according to law, states that on July 19, 2010 at 0944 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Sheila Hench, by making known unto Craig Hench, Husband of defendant at 9 Keystone Drive, Mechanicsburg, Cumberland County, Pennsylvania 17050 its contents and at the same time handing to him personally the said true and correct copy of the same. SHERIFF COST: $53.00 July 20, 2010 /~~ RONALD HOOVER, DEPUTY SO ANSWERS, RON R ANDERSON, SHERIFF !Ci CountySuite SheritF,. Teleosoft, Inc. Our File No. 379653 ATTORNEYS FOR PLAINTIFF ERIC M. BERMAN, P.C. BY: ROBERT M. KLINE, ESQUIRE IDENTIFICATION NO.: 56479 500 NORTH GULPH ROAD, SUITE 350 KING OF PRUSSIA, PA 19406 (484) 690-3900 -----------------------------------X U.S. BANK NATIONAL ASSOCIATION d/b/a ELAN FINANCIAL SERVICES Plaintiff, Vs. CRAIG HENCH and SHEILA HENCH Defendants. -----------------------------------X NOTICE TO PLEAD auto A 06 ao PM 4(-Co COURT OF COMMON PLEAS CUMBERLAND COUNTY CIVIL ACTION No. 10-4666 You are hereby notified to plead to the Amended Complaint within twenty (20) days of your receipt hereof, or a judgment may be entered against you. Dated: August ,`2010 ERIC M. BER P.C. BY: ROBERT M. KL NE, ESQUIRE ATTORNEYS FOR PLAINTIFF Our File No. 379653 ATTORNEYS FOR PLAINTIFF ERIC M. BERMAN, P.C. BY: ROBERT M. KLINE, ESQUIRE IDENTIFICATION NO.: 56479 500 NORTH GULPH ROAD, SUITE 350 KING OF PRUSSIA, PA 19406 (484) 690-3900 -----------------------------------X U.S. BANK NATIONAL ASSOCIATION d/b/a ELAN FINANCIAL SERVICES Plaintiff, VS. CRAIG HENCH and SHEILA HENCH Defendants. -----------------------------------X AMENDED COMPLAINT COURT OF COMMON PLEAS CUMBERLAND COUNTY CIVIL ACTION No. 10-4666 1. Plaintiff, U.S. Bank National Association, d/b/a Elan Financial Services ("Plaintiff") is a National Banking Association, authorized to do business in the Commonwealth of Pennsylvania with its principal place of business located at 9321 Olive Blvd., St. Louis, MO 63132. 2. Defendants Craig Hench and Sheila Hench ("Defendants"), are citizens of the Commonwealth of Pennsylvania, residing at 9 Keystone Drive, Mechanicsburg, PA 17050. 3. On or about February 2, 2007, Defendants applied for (Exhibit "A"), entered into and were issued a revolving credit account pursuant to a Cardmember Agreement with Plaintiff (Exhibit "B") and were assigned Account No. xxxxxxxxx9523, which credit account was drawn and used by Defendants. A copy of Defendants' account history, is attached hereto as Exhibit "C". 4. Defendants are in default for failure to make required payments for such use. There is due and owing $10,477.02, as indicated on the attached account history. 5. Plaintiff has made demand upon the Defendants for payment of monies in the sum of $10,477.02 but Defendants have refused to pay the said sum or any part thereof. 6. All applicable credits, if any, have been duly applied to Defendants' account. 7. Pursuant to the Cardmember Agreement (para.25), Plaintiff is entitled to attorneys fees and costs upon Defendant's default. WHEREFORE, Plaintiff claims of the Defendants the sum of $10,477.02 plus interest, attorneys fees and costs which are justly due and owing from the Defendants to the Plaintiff, plus such other and further relief as the Court deems appropriate. Dated: August )f/, 2010 ERIC M. BERMAN, P.C. BY: ROBER M. KLINE, ESQUIRE ATTORNEYS FOR PLAINTIFF tfv I -1 N - `?? t lit t~:.,?rt ? N•l; ??t? A4dren ---- ^ H,ihal n,at-' N.-.r (J o:0?±7 M?:n1 t 1C S r - - f'70 CZ _ C?/, } --. ? {5y^y. ''') n? YdY/:?o4.eon•/.A1re t r •.. Ip.rYY.lrplv.nt ..,r-. ??.?... ..// .? .-. _. ?... .? ? •?..-?^ .?-... kr1?'1 SI4w4t?'( - Would you like o john occuu/itl arilo - ..... .. . ........ W crud ?h e(frxQ h (vdiq.•. pw1 Kfilshvy Iloawn.d.ouPtN rwt6.,nrt.e.t.,yjsr-u<I tki.;.iP+,:dcnHl?t (W.lu?ryp?n.nry .E'cC )GU11C?? rT i-10 Ctp• ! k ? !Y cud. Y.orr 1r Abt•rt AttlnH i 5+4 Ito .1 Pr,)- tl."W, rM to fi.llurrr tlro.wl relglw.. Ye rst'/urirn[YT•ae - Mhi.. ? ?? ? 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W%A - III tale? n dvwq iM .rr fj t,.al b.•ety repo ua loder ifonwee+it ln,te i.trU.tl6 ysFaV nvd iro rr t+rrnle[ro ef>rlrol. <,ln,Jed V el Ahdrlttlnt .,>/irr p RATES For currant offer r4t.•ev..nbd.Yrorc;vlueR6t Evew[oe,u•t: pniaV rGo.k oY7vr cx6i rutN.J. We brl my rtoM At iKrvrUon .,4[k•>.wlrritf• v(+,Itd,l,n dllllr R?lwlKJA.ACINWKgM1v..?.doV4er vVl nN v ial Pt a IN H JaPeaddt. ? tut (y?rni a It &W-At rt? ownr•f iIt 1. ? x _ ar v15tc ywr noarett ... I nAy,I?w.1 ?? r ?,.t,i Is lrte) ou l , branch Offico. r Pf.me Ir, tiv C ror Gvd oadoure Sartrs,rn - rl.n -Writ tWt rN ..r,.lro u.J ar1%v wrrvm rn.r. wish to participate In!jhe no annual foe awards Program. Tpe of Tcccayn r?C u tad: v,olt,t Uj-- 1 rW triad Ne?nc. ndarnt ra ln._._?ev a.wr wrt 1;•(•! ?tA?y/1,..,['--...______.... nor" rwrw a I P. f 1. ir,j, ab 1. -- f lease tell us about your ernploymcfa . r , Nw•i d Prnlhjri ? •, •• •- _ P.tr.etr?•Hf9tiA•K Yro tNari•y l?lert ... Povro•r ... ftderle4mnt •w.o.teww..N..•wnr+?,,.e*f.noN?ne.awovA,..r.e.e,.,1?.4w.•t?rJk... r.r.nlica I h'ne Nw, eo C?? i.r.rs lu ruaJ Stli?-??- - G• J ?r W h V IndividtJal lniutl hh r?.t-..Jt.....,.r•.M t, V.n la.t l,S.n..Won? lr••?rYn .•. "., /o.", rwr Itv. tie, to w 6. P.nt v, It \\? Type of Credit Card requested: Visa Platinum vlsa Gold U 111 Visn Classic" (r? Credit Line Increase ? Yw.b/4ruwrrC-..Je.......tl.m,virryevr (•? ,K.tb..lnn.n W tnr [I,nv,:i 1113vt Card 3?9b55 SECURECLASSIC GOLD OR ffA'fINUM CREDIT CARDMEMBER AGREEMENT (Effective 07101105) 11hisacatdmemberagrcemattanddialosurerettcnartt(`AAgtttirsteut )btnrunyasandFJanFinaadalSuvirescon- tain mgthe tcrmsthat w11 app?.y to your Srrsued Cfareic (incksrl;ng coal legs and Young Aduh), Gold or platinum Cud Aecatmt ("Atsvtmt') as noted on _ your Card Carries In this *=cut "yoh° asxl "your" roams cacti individual ag a solicitatin or applyi% for the Account of otherwise agfechng to bt rapoadblc for the Account "Care' , , our" sad 'the la?xr' memo Elan Financial Smicts, the issuer of the Cud and your Account creditor. picas c nxd this Agreement carefully aid keep it in a safe place to make the best use of the credit cards we [Rue with this Account (the `Card"). E lse t eeament becomes effeccive as snort as you or someone authorized by r {an "autho- rimd signer') uses the Card or Account, btu on later than 30 caleudir days after we me and you tail to retum tht. Card. In addition to this agreement, then are also relevant Aannmt disclosures on }roar Card Cartier. ?I.. N oaal Use- You may tree: the Accotmt only for personal, family or household urpom Federal or Gate con- sumer protection laws may not apply if you use Ike Atmuat far other than pcm fw* or hatraehokf,pur- posa. additknh, we stay sns}aai or canted your ahfray to usethe Aaountor Card if they an used for business orcannen'I purposes. 2. Account Purchases - You may use the Aaoun[ to buy, lease or otherwise obtain goods or services from pattici}vilueg menctana (aaftndohg thtmsxtinm you inirrate I mad, tdghoac or over the Instruct) or take advanta ge of special promotional Convenience Oak or alana Transfer offers that post as Purchase uaosaarans (`purchases'. We win, in conneetioa with an propnotional ltalanet Transfer a Convenitaxe Chsk offer Wm ake; provide you with materiak dear explain whrthcr those trausa?tioro will post and Ix rhos u A as a Purdhase kWru if you have nor 8(gned a sales draft of the mehnt ties rtes supplied you with a era ihtrt catalpa or other proof of sale, you are RsppootoibJe for all Purchases made dnrongh the hroy ess xpt as cspreasly lint imd r applaabk law )See "Your BLllin8 Rhglsts" at+xian below for more detaihf 3. Account Advances-- Adva cis are teansattiont odier than Purchaw Out allow you unmet access to funds available through you Aocoum. Advances my include Amnat transaction such as cash sdrarues you obtain direr tyftom us, other petaticipiiting Ilmandat inatitmtioos, orautomuad tcdcrmachina ('C'ash Advances"), tele• phone tree em, some ?Inice Tcto fors, some Convenience Checks, FastCaslt, Oaadraft Protection Advances and cub 6qudvalent Advances ("Casts Equivalent Advances' include transactions. to acquire or initiate site tranaftrs, ttavckss cltaks, roomy orders, fore AT cash traasmni, Woo cuing ache betmig transactions and lot*iy rickets. 'Financial institution" or'ATM' advances include Pine (automated phone system), 24 Hour {(far bet Senior assisted) and Internet uanikial: Jrfomihly Acmamt statements Be ins may refer to Advanm as an "Advance", "'Cads', "Cash Advances', or by the product or device you used to obtain an Advance. Refer to die Account Fen section for details on Advance Transaction Feu. 4. Advance Lfmits - No more than 30% of the Credit Unit (reamed below is available for Cade Adv =, Cash EquivalentAdvanasorAdvanotsrequested thro uuggitdThonetrarofxn.f wehoaxelecudiathi%Agreemolt or othawiic to limit the amount, number andlor avaaabilky of other Advauxes you may obtain through Overdnlt Protection, Catvemicm ChcL , and FastCash tmnaacriona, you my use the Atrcaunt to obtain tarmac Advances up to the amount arulabla undo the Cteift Limit. S. Convenience Checks- Rom time totime, wemaysu p.yComuiarceCecksforustbytheppoa(s)namedon dwse cbtxks. G)nveaieace aub are dmfu that Io hkmother ch* butane drimst an treda evadable i t the Aerrium. Wemay, based on the? ppaarticular oCets we make from time to time, provide Convenience Checks that will post and be t0mud as an Advance or Convenience Checks that will pmt and be treated as a Pmthinc. We will, in connection with say Comenimce Check we provide, induce matcrials that explain wiedher the Convenience Check will post and k treated as an Advmsee or as a Puchase. Convenience Checks must be Vmr tar in QS. dollam We may remm a Convenience Chock unpaid hE (a) the credit available wider your Credit Limit bless than the Convenience Check amount, (b) the Account is.in default, or W the t ewRietce Cheer s improperly d ed or otherwise Wit to coafornt to our regularly aeapted stan- dards for dace paJsneat Cotrrauesce Cheeks may not be used to pay ffu Account or any obligation you owc us or our a(6lmtes. 6. Payhng alai gyppingg Payment on Conveauaa Checks - You out tat the m» m berand address provided in the `LostorStolm rdaConvaien cCbccL"secdmbdowtoterLhtestthatpaymentbestoppedonaGoomiena Cluck. You must call era promptly with an oral stop paymcnt request and da provide us with a writtea omaftr- mation of the stop payment mycir wkkin 14 calendar days. Any s" paymem re sat we receive win cousin in efnt for 6 tuontha, unksi you tam the quest in writing before the wd of tbttrmt. Wesrsay pay Conveutencc Checks more ftn 6 months old 71 ere nay be circumstances under which sConvenitace Check must bt paid, . even if we have received a stop payment requrstfrom ?rou. We will not be liable to you g are do not honor your stop payment request under those urcumstancet. If k is determined that a Convenience. Check shotdd have been paid, but. was not, we wilt not bee liable for any comcqueatial, piaueive or incidental damages if vie acted in Sood faith. Our only obligation under those circumseances win be to Kay the .designated payee the mnotutt o the Qpnvenicrgce C wk and canal any charges assessed against your ccoumt as a-result df any wrougful failare to honor the Gonven.ie nce Cbeck. 7. Balance Tmnsfrrs -tie may petaieit ,you to transfer balances and oblig scions to the Account that you owe other narttpanies or fuzahnciad it?sti ttuzogag ?, sabyax to the terms arnd conditicas disclosed in offers ere array maim to yata frnm time to time. Bala-act Tzans€etx vh11 post to the Aocoatnt and be separaidy reflected on. usontt?ly Account stet its as Balance Transfet; or, depeadirtg upon the. offer, may post to the Account and be treated as a Purd-mre, Cash Advance or some other kind of Advance tramaactinn. W! un'll, In connection with any Balance Transfer offer we make. prp=--- ?wkk materials thac explain how the 8alarme 'T'ransfer will post to the.. Aecaunt and be reflacted. chi Amount statements. You may not request Balsana Transfers of existing obi teems yyaoit ogre us or our afates. If ycnt request a Balance Trander that would cause the.Aecouut tin exceed its edit Limit, vie may, at our option., (a) oat rice cadirt BalanceTtmnsfer rcquested To -pur Account and assess an Oyvertimir Fee; (b) post callyy? a ppoortion &? ,the Mance 't'ransfer ra?sted to your Aceouat up to the amount of tieidit maitable tm&n the Cr€dit Lhv&; or (c) refuse to process the rnnre amount of the Balance Transfer request- ed, 8. Overdraft Protection - An Overdraft Notection :klvaetce allows us to transfer Aacotngt funds and prevent over- dtafis on the desigftamd choddag acemat. You authorise acs to make Overdraft Protection Advances from the AaLtroerrgt as pr is this fbgmetamt. Any Overdraft Protection Advance wilt post as a "Iiinstncial destitution Advance", wit I be subjirct tothbse fees and treated as an Advance drawn an dYe Arco tort. An 0vtrdraft Preetect:ion Ad as ncc wtlf be made only onto per day, and will be evade in the amount deteratuz?ed by your fnandad institution (regaadlesa of tic specific overdraft aumntl. Please verify tim muount of the Overdraft Notection Advan" with )%ir fnanda.t ire dt ution. We may cancel Oe c xtraft Protection pri+>t'feges under the Accomst, even if the Account term, ins open for other purposes. tQ FAR YOUNG ADULT ACCOUNT t3NI.Y: Overdraft Protection is available if cite desiiiated eiteekingg ac m pt is: in tine worse of tire youns o dWes name ouby. The co-signer on rite credit card cannot be a Oi nt,aeco net bold- er an the rhecWng account. , 9. Accowit finasnra clnat+gas - Finn nom chattggp?as rtft4Wtthc- cost of credit. Boar tool finaum chase and iilitgg s tnteMve Isere anc will equal the amour t of apt a) periodic sate finance charges (sometimes refertnct to a for ki on saceithly Account stutuEteatts J?; jb) Advance traeesaction -fen; And (c) atr? other tran?cAi on fees that are considered finance charges. ra scme of the. followingg+sections, we have atibteviareai doe terns "daily periodic rate" as "avriage d y baUnce' as °AW; and "at m-ual perCeA wage -rate as "AWI. 10. Interest Rate - (a.) Fixed or Variable Fate for "Turchases", Fixed or variable Rate for 'Balanc ' e Transfers*, and Fixed or Mariable fate for "Cash Advaucce. Tie DaRy Periodic Rate for tiansacdons post nngg as Plucbaaes, Advances and Balance Ttansfcm is equal to.1VM.3th of its e g annual penxntage rates:The standard Dsf1ciiodic Kate aged rartesparndhX'g 2tnut al p late ("W") ftrr transacCions posting t?o'your Account as Purchases, Advance and. Valance Transfers we fir.?rates or variable rates that may edta froni t-ssne to time based ou ch nges to a Publ3slletl Index. Please refer to ycntr Card Carrier to determine wher your rate is Fixed or ibriable. (b) If yeast rate is variable, your Daily Periocliic Irate and con-espond'ga APR Mq increase or demease from time to time acro?r+dii>y( to the movements up or down of the Index, vrhi% .is the hipp??esr I?sitree Rate pgzblislted in the ?Maszeyy R.rtes ' se?tiau of the h4nclYVest E2lituat o#'irlia 4ya17 Stxart jorarnul litr last 913 days before the date cat +rlticft the bFdin,? c}c[e edosed Ritz cnEA.er•words, the "stateenenr. d"arc"). Aagy varialabe rate adpL?nent based an an Index change w+r1l be etyiectlvt as of the f'sret day csf the crarrrnt biilitag.ekcle and wi.fl appply trs• the new and otctseatsding :+4eccsimt balagttes avid transaxttocse sablect tti7r tktat vaiiabbe Fate. ttYiE rmerve ttge sight to ehaase a cearipara6le nexv Iudrx iF ,'I'sl<a i?ffuId ?erast Joaimrtl ceases try •ptxblish. a Prime :lists;. (c) To dewrisine the standard variab=le rates for transactions posting to the. Apcoinit as purchases and Balance Transkra, two will add as Index as disclosed em your card carrier to a k1axx??en. `Ida dettmiine rite stanttaed varial3Pe rate for transactions posting as Advances, we will add a ihlargiu of 14.99% to tine Indeir. 'I minaactiosrs . as AdRanecs art subject Co a mznt>sugaz? Daily lri-riiodic Raft 6F .1151896 (cora¢s pondmig 1§NNUA3 F813?G1 RATE 19-99%). Transactions posting as Purchases Advances and Mans Transfers are subject to a maximum I?aRy Ped o6c Rate of 06579. (airpoking AN?f AL PERCENTAGE RATE 23.9.)-, Rder ba your Card Caner for yank APR and Daily Perlo midsir Rates (DPtt.) for Purchases, Advances, and I3almme Tnmafegs that wit[ apply to y+o4r Account: Any vm6iabk radr nigvstment will be cffertive a;s of the first da. of doe billing cycle that Llins after a change in them Index, and will apppply to all. new and outstanding Aomunt balances subject to tht vari- able rats. Any increase or docresse to the Inrtex will result in act increase or decrease an. the finance cha r on the Acruwa, an inc=rease or decrease to pout Minimum Paynicta, and an increase or decrease tes ycsu.r New palace. Agreenicat teerms are not guaranteed for any pperiod cif tithe;tee ma change the terms of yobs es in &=rdanoc w7Lslt tdgt• ?.grettmetgt aral appplkab lase. Your esperienm with ittclhsding APRs end Be ars, as is flecbe+d tsi your ?reet $utrafii Iteptxrr, may alert cau.se'a eftanggee irgduding an iaetcsse, in the is added th5 tilde lndea, inn iu+ciease In fees or a decrease in tier Crerdit'Lianit Fi tlors considered in the tine teased rate puny mcludc your grnera.t eaodit profile, ex6tenee, seriausuess and timing of the e=r shy Attrecmea¢ rigor port haarc rritlt xts, an rf attar irndicatian8 +of the account usage and peirformance. ify you o this cLnange is cotziptiance with tfie law govrru[ng yortr Agreement. M==tngycasrASr--ant Variablle Detingvees y Rase: Upon the owurreace of an "Adjustment Evart" each Daily Periodic !Late and ctarrespondiag APR in affect floc new aad outstanding Purchase, Advance ant{ Balance Thnsfer balances will :increase from their standard rates or any introductory or ptaartotional rates to a "Delinquency Rare". The Delinquency Rata will take effect and apply to new and "standing Purchase, Advance and Balance Transfer balances as of the first day of the current bull g cycle in which the Adj??stmeut Event occws, An Adjust err Event occurs whenever a Minimum Payment is thirty t30) days past due or a Minimum Payment is five (5) days past clue for the sarond time during the same twelve (12) moath period, or if you exceed our Credit Limit two film is in twelve (12) cotttteeutive months, or if your payment is returned for any reason. Your promotional rate will expire upon an Adjustment Evtrrt; and will be changed. to the Delinquency Rate. To deterad the Del' enc7r Rare for purchases, flaalmttce Transfers and Advance balances, we mill acid the )index co a Margin of 20.9 . The variable delinquency rate that applies to Putthhaases, Balance Transfers and Cash. Advances will be disclosed on your card carrier The Dcli uenty Rate for txaasacdons.prosting as Purchases, Balance Transfers and Advances will be sub{"{act to a minitt um-Daily Periodic Rate of .0657% (correrpondina ANNUAL PERCENT- AGE RAM of 23.9M. There is no amad=sis sate. T he.Dclinquency Rate will retrain m effect math the classing date of the 6th. consecuriw billing cycle that your Aceourn is nor in default: On the first day of the lulling cycle following your 6th consecutive current cycle the Daily Ptriodic.Ravc (and corresponding APB.) for Purchase, Advance and. Balance Transfer balances will crease to their standard rags (not any introductory, promotional or discounted ram). An. increase or decrease to tic Index or Margin will apply to new and outstandiu?g Purchase, Advance and Balance Transfer balances and will result is an increase or decrease in the FINANCE CHiXK ?E on the Uount, an increase at decrease to your lrfi dinurn Payment, and an inrxeasc or decrease to your New Balance. It Interest finance charge; M. ethod of Computing Anwant Subject to interest = We calculate the periodic rate or 'interest" portion ofthe finance charge by ritulriplying the applicable daily periodic care (` DPR") by the Average Daily Balance (includkq$ new transactions) of the Purchase, Advance and Balance Transfer categorms su:jacr to latexca ("Aromwts Sullax.to !Interest'), and then adding tog liar the rcwAtiag intee meat front each. Category. We determine the Avirrage Daily Balance ("ADB") separate y f?trrrr the Purcimes, Advances and Balance Transfer categories. To get the ADB in each categoap, the add together the daily balances in those categories for the billing cycle and divide the result by the. ratmt:er of days Is. the billing cyclic. We dereitnine the daily b lances eacdt dap by a:aking lire beginniag balance of those A1cmrat categories (i+&Iuding any billed but unpaid interest, fees, credit insgrrttnae Cltad6cs and other charges), adding any new interest, fees, and charges, and subtractia any paymems or credins applied aRaittst, your Account balaviees'rbat day. We add a Par lutse, Advance or Balance tansfer to the approp? tc bala.nces for those categories on the later of the transaction date or the first. day of the statement ptriad. Billed but unpaid. interest on Purchases, Advances and Ralance Traosfera is added to the appropriate balances for those eitegories each month on the statesnertt date. Wed but unpaid Adwatce transaction fees are added to the Cash balance of the Account on the daft they are charged to the Account. Any billed "but unpaid fees on Furt:hases, credit insurance. charges, and other charges are added to the Purchase balatnce of the Acotmnt on the date dray are charged to the Accamit. Billed but unpaid fees on Balance Transfers are added tea .the Balance Transfer balance of the &cbuar ou the dare dicy are ch:aged to the Account. In other words, billed acrd unpaid interest, fees, and c, ha%--s will be included in the Average ally lWaace of the Accourit that accrues interest (the "Amount Subject to hterest" ) w id will reduce tbz brnount of credit available,to you.. ) =pfioa: Credit insur- ance c lnarges are.notincluded in the ADB cattuladost for Purchases until the first day of the ill c Cie follow- t? the date ilrt atedit insurance prewr4p is dhitsged do-title Account. There is a Mirimutit FINA? C14ARGE of 52.00 in say Willing cycle in which a finance charge is due. 12. Grace Period - You have a .20 to 25 day f4rate period'for Purchases (including any romotional Balance Tru]s:fers or Convenience Chrcks that will post as Purchases), provided,rout hive paid your?ccviotts Bakaice in full by dw Payment Due Date sho,int on pour monthly Account stsument. ia.arder to avoid axlditiona.l finance charges oa Purchases, yea trust p t your lc%, Balance in full by the Faym?ent Due Date shorn on the frwit of ),our month- 1p Account stawncra. here is no grace period for transactions Cliat post to the 'Account as Advances or Balance 'T'ransfers. "Phase iransacrirrtis ace subject to interest from the date they posr to the Account until the dare they are paid in frill. 13. Fnwoda aad Ptomosiowd hates -- We may, at our option, offer you far a )'united time introductory or pprrotwati? interest enter for afl or purrs of the i?urchase, Ad+runce, or Balance Transfer balmicts in the, Account. We wilt telF you the introductory or prorstotionai rats and'tlie pentad of time during which it is in effect in the aaffec [Tilers an offer states atltetavise, err tntrodtrctoty or prgs>satioaal rare will generally retrain in effect until slue last day of else billita tycle in ?rhich tike introdttao or promotional tact espires, the date tine AccounT is .cased to fmtuut- trattsactrona, or the daft ytsur Aouvuat rest becomes past drat because a blinanurrt Puyvicur is trot moeived ln, full on or before its Paymem Due. Date, whicltevcr actors sooner (the "Terminatuoa Dare" ), or if 7/o w pit avert is rettuxacd for any reason, or if you ¢zceed,rata Credit Limit (or Revolve) Limit two (2) times in twelve {12) consecutiue months. Any introducaorq or prosnotionai rate that applies to new or oursmndin& A. cntint 6alaaoes wr'11 increase to the standard rate that wou' otherwise a An,r Introductory or prOtttotiOW rase will expire upon an adjustment event (as described above) avid vA11 be E to the lboed Delingqtlency Rare, if we •do not receive at least the Minimurn Paynnent due by the Pa}att r?u Dut t shown an a rnoixdily Account srattmtnt in. arty month. 14. Account Foes - You agree to pay the following Acmant fees and finance charges: (a) tc3G'e will add a finanoc charge to the Advance balance of the Account in the form of the Advance Transaction Pets disclosed below for each Advance you obtain duringg a? billikg cycle. The floes imposed will equal the greater of the fee based on a disclosed percentage of each rtdvance or the. minimum dollar arnouxtr, with the maxinnimi'Advance Transacrion Fee shown below. All Adwiucc T=sacriou PINANCE CHARGE fees list- sad below are in addition to the interest that accrues on Account Advances. FERCU AGI? OJ? CASH PFF -UM Ff.NA4J MML LDl - T ON 4 S CASH EQUISrALENT 4% S10 ATM 4% 35 CONVENIENCE C14ECK 3% $5 We will adds Balance TransforFee FINANCE C14ARGE to the Purchase balance of your Account equal to 39'a of the balance transfer amount, subject to a minitaum of $5 and no maximum. (b) In addition to iauxes%your Account may be subjecr to a finance charge in the forbua of a Promotional Iliscaunt Transaction cc for each promotional Discount you mccive-during the billing cycle, as outlined in any Promotional D'hscouut offer we extend. (c) Annual Membership Bee. Classic Secured Account- Each year, the Account will be subject to your payment in advance of an ancaua I fee of $35, which will crom- pensatr us for mainCairnpg and servicing the Amount for the foJlcawittg year. Classic (indudiag Coll and Young Adult), Gold and Ptathima Acaounts- If ? do nor c=harge a fee or wtivaTi ar scrvttsng the Account for die first 12 months yotrr Acwunt is open. 9 ir?e at least &.0i in Ante iF Nct °Pu bases" w the Aemait each year; the Annuad Fee MNMC G`I: zeill'be $U: If you dos not dmrge at least $.Jii. in Auuaal'Net "Purchases" to the Account during any ar, rTie next autnual rent wa1 of the Aci?utI ivh7t be sub'a3 to ti pa?ttzait in adwaraee a€ a $ s?atitial Fec El3ABiCl: €RE for Platinum, or $20 Asmual Fez:F VAtcfCB CliAtliGE for Classic and GoM. Annual lVet `Puxcliases" is xcjual. to the dollar amoant of t 4nchsses chaTSW by a cardtuember dating m an itCCOU nt year liar tarns and credits. Please refer to your Card Cartier to deuermine if you will incur an Annual Bee accoralaig to these beans: (t1) We will. add a Late Payment Fee to rice Purchase balance of the Acerrmut if your Minitnu>hn Payme?t is itot rcceived'by the Payment Due Rice shown on the moodily Account statement A.$13 Eats J'ayment.Fee will• be assessed on -count, batances ads to 999.99. A $29 Late Paymmt Fee will be assessed on Account balances fivin $100 up to 3?94:h.99. tt $39 Late Payment Fee wilt be amesord on Amount balances of $1,000 or moat. (e) We will add an OveWmit Fee of $35 to the Purcchase balance of the Acainat if you r:nceed -four C=redit Limk an any day at or before your ssatemcnt cycle date, even if this occurs because finance charges car other foes Are assessed on the Aecount (f) 'A7e• wilt Add a Returned Payment Fee of $35 to tits Purchase Wawa of the Account if any agmeat on the Amount Is not hontared or it we mitatt retu it to you !because it cannot be processed, K clheck that is raumod unpaid wA .be sent for coMxtion. {g) We will-add a Returned Caavcniencc Check F'ek! of $3S to the Purchase balance of the Accom if you write a Conventerice Cluck that we tics trot honor rutdar the burrs of this scree meet (see "Ctonyerdence Checks' and "Paying and Stopping Payment on Conveaixiice Checks" sectio=ns above for more d=9s). (hl '41`Je wifl add a Duplicate Docummeation fee cif $S to riot Purchase batasut of the Anotmt for eael? copy of ainentlily staknaatt, sales slip; whmds1% or Ad=ice slip that you regum There will be no charge for documentation requests nsade in connettsoti wkk h billing errcir fwace, xf our Investigation :indicates a bVi ng error accorred. Me'wi11 add aPhone Pay Tice FINANCE CHARGE of $10 to. the Purchase banana of the Account if you call ors to make a payment on your Account and air assisted by a Cardmetn her Scrviue representative to hnalke the payment. (l). Wictviill add an Acvocmt Management F'ea FINANCI? CHARGE of $1.54 per ihaonth tci the I'ureka.se bsl- ance of the Account if you votuntarily case your Accomit with a balance (Sectrrtd Accounts are not subject to this feel. (k) We vrdWadd a Secured Account Closij Fee FINANCE CUARa of$25 to the Piuh rase balance of your Account if it is closed any time within two years from when fire Account was firat'opened. (1) V+ - will acid a Swured Account Credit Limit Change Fee FINANCE CHARGE. of Us to the Purchase bal- ancc of your Fttaouwt if, at your request, eve reduce the aaixrrsirt of yeatr Cnadit Limit and release to you any funds from the oof responding S=4ity Savings Account. is_ Inataraaace Charges Credit life fnsurastce'and disal?lity igattrance rare i> tit tilted toy obtain. set lit Lf you axe eligiblt, ytsa may Participate ihh a pp trcdit card iashistuee pr >,vh vie hove aFtanged. If u erect ihisurartce eoRenage, sn insurance pr?>:rciarhura char^^ggt: at tore tart d`isc? to Ott) will lx edited to the Prttxtratse balance has of the elasistg date of each liillis>,, cyelc based upon the Accottnt balance (including aecrtted finance dia:tges?. The teens of your insurance coverage ;vr11 >;e sttrncuanzed in rho Certificate of Insurance, which. +vitl be .U to you. 16. Credit Linnit - The Account Credit Limit is the maximum anvotint of credit available and that you way owe under the Account at any time, You may not request or obtain adrl'ttiathal Purchases, Advacnas or Balance Transfers aahee you have reached your Credit UMiL The initial Credit limit is shown on the Carol Carricv and will also appcar on your numthly Amount statetncnts. We reserve the right to review your Account at any that turd increase or docrease you Credit Limit. You may not increase your Crodit Limit by carrying credit baUnces over the Credit Limit wee make available to you. (Also see the `Advanoc Lamle:' section alcove for more 'lufarmatica about linraifis cn Cash Advance, Cash FAuixalmt Advance and telephnne na•nder transactions). 17. Payalerat -You reuse pay us in U.S dollars with checks or similar pp.tymem instruments drawn on a financial ittstlruatvn located in the Uni .#,& Stares. We may, at our. ophoal dwove to make an emeption and acoe? a palymmt drawn on a foreign bank. Has?vey }pan will .be cltarged and agree to ppaay axg colle ion foes tqurred'is CCOMCCtkM trite- such as Eransac-tion. The dare. you mail a paynntut to tlif tftt than eke' dare we receive. Um payment. For purposes. of chit Agttaz»cn the payment datte is the clay we receive your check or money sr-der at tl?t address spccified on your tttt3rltllIy Accomat statement. If You retail your payment with- cut a paynftnt catttpan or to an rllcorra^t address, it ma resulC in a delayed credit to your Account E7ris may result in additional. finaamt charges, faros, and possible suspension of your Acc'auint. 18. hfeniatum Moritbly ft eats -- Bach mouth, pour uwst pay At least the Minimum ftyment and any past due Nfini mwn Pays cnt(s) Uy the Payment Chic Date alWM.I an your manthip Account shatetnznt You, teraa}}, at. year option • l more than the iSJfixtimum Payment or pa the New'Bakacc in full to =duce or avoid the h3test FQf?4N CMRGF for the Account. The Base 1uEuriaafim Payanent is equal to thegascaarr. of 310 or 3-1Ya of your regula¢ New Wance rounded to the .next highest dollar or the furl amount-of any regealar New Balance less than $14 uWcss yatr have a Coillogs Secured or'i Young Aduk Card, in which cast gam_ -lase hlitrfrttnat Palaracllt n?'dl be equal to the ggreater' ZW $10 or 4 0a of your Mahar New Balance noutrded to the nrxt higher adulL2r or the full axstoaut of arty regtQar l?kew alatute less ttaau $1f1. Ia additiart to rive base i!vfisliaoaaeltt Payrneart; we may t?Lva rzgttircpaymeaE of talc or dsorc of the fntloittg items, as iucEUxcd: (i) laic, c?wrerl. anatual andklr Acsottrtt amaMagrtttznt fees, (Z) the iAtrxtttfittatsae ctlatge, snd 13y if yartu Acctrunt .'j feet Crea?it Liruit or Revcrlvc 1 iat:rt, aotnc or ell of the balancc amount over your Credit Limit at lasaalvt l .iaoRt. Psty ilrlirnimtrtee 1?aymcnt or adilitioual altraiutat you. pap each artorazh vnII not pregxy any future 1Lfiteimuata Psy<Attzttts i tririati, tar change your obligatiaa to make at .least a: M-inimrau Payw ait by the Paytttent Qlie DY, 13. Paymetat Application - %Yc will a: ply lxtytttznts eo pnr anal or discounted intt rest rate Ptt lase, Ad Rance aa2l Balance T-rartsfor taalances bore we apply payments to !nigher rate balances..lf we cannot et ch your check 4m other payment imm writhim a reasonable pemd of bane, teat stray pastas an Advance transaction the frill amount of any ctxadit previously girmi and chaW interest an this aatarmrt from the pasdtrg d:. ate of the transaction. Auer a payma sit has bts'n made, thz leanzr reserves the a ht to withhold avkilalile t:redit in the a=omat of the payment far 7 business days. Any credit available be . -dw paymmr is nla de wilt continue to be available ftrr use clewing this time. 20. SkiEr Paymanat C?}&m - We vwxWet our opd=6 oema malty otter you an. itpportiutity his "skip" your erbltgstios Ee anakr the ?4fisiittnitai yrarentds>c You inaynot ?rtapp ptryfmmts unlcsa are m akc this o frfierto yoir. Y'atu tray ship cep to two (2) payments is wrdve j 1Z) montFls wiS7out itt?rri?g a late P`apmatt Feat, Unit thaase txv© tnontlt)<y pay?tnerxs relay tmt l? p?tymenls that are rzquired its caottaew-?ative rrtc+tttlts. You ?carmot usr. a skip CS?E OpnOA rf your' ACWUffi is stiUj?ect to a Delincyueacy Pete, is otherwise dnlittgaua?t, or is in alefaulr.. y?t.t haslet advatutage Al• a skip paprttsnt optivel we offt:r, the interest vrill coutineac to ascraz oat the c?tirc • tutpxi?.1ta31aitce of your A€•c+aotmt: 21. Change of a0docss - Your monthly Account stave wants and notices about your Accottttt will be seat to the ada i as your provided iat yotvr apgGCarioii or your responae to our Accotint sohckadont. To change your adetrass,•gutnuatsailtea alt 1.84@-358-3+1?A.or write to us attU.e adder: Cardara:a?bea' zrvtcz, F_O.1t;ox 61tl 59, Farga Pd11 SB:l.Z3-5354. Vfe marsh rozeive tlria uafortttttfi ni rkaps lsefnt tivc date a Uil[iatg e le •closcs to prtrvtafe yvcir dttlttthrt alecauut seaUratttait at year 1tewN address. Note Ff yartr !tare axr address ce writlliui 4i days of the ertpairata?al date crf ytxtrr Ca.rttis) please arntactCardmemhrr 5ervtr 1-4 a'SS- 3424 rw'rtll ttat:cufsrreitatttua so yrxtl nerovCHrd(sf crtn tic irta to yxsur new address. 22. AwdtUrila d sl %cn - You *r airy o er Account obligor relay' ash: us toissue a Card n?nd?ather?vis!e ??lr±±..r+e Account access to a person atte mirized to use flee Actourtt. Thts.;peason b palled ate "authii2tef sigxter". 3Cr)aa ee to be ccs sibie for all Account trausacticros made by any such 'autlrorizod aigrmer. You agctcc .riot to g? your Card to anyto= else or allow anyone ovibCr than an authorl=d aigner to use thr Aac6unt. If yciu gave yews Ct;aard or Aasootent mttesh+tx to somodrtc ether than an aulrorixoei g ill be liab?fbr y yc try er ie r- ity of ctrl aut9aoriz+ ed sigrter or say a3ther' persoa givcu aCtcss to the Accttuuit. 23. Bost or swkn Card oar Conv eaknet Checks: - You-must -notify us immeiliatt ff your Card err Ce ve nienee Checks g lre Wit 6hr a Wca or there is pbssible tmuautkos' zed use of ytr?r CaYd Vou `trill not be fiablc firr ttnav- thodzed use of the Acct tmt. You =xut notify Casdnaember Srrtrsce by tt let attic at 1.8110-558-3424, in writ- in PO: Box 6354, Vargo Nlll 58125 635<1. If dais cna, vrt .evlll aasskk you and all othat persons given %count acctm to return 211 Cards. and unused Convenience Checks to oar irtYt ttlerrls ,13r„ partmaxt. in a+ddit'ton,'wt have die. z W to ciase your Accautet .and open a new Account. If W. e do so, nmv Cards and Convenknoe Checks will be issued f 6r your new Account. 24. T7ocuessev Your aC:aEti in A Poraxgn Coyalixy - Stl Arants and for rnagout c:a at ail AptYi Ulmttgll the r UIS Sy?strtn and i;rill be converted into U S. C1r3IlaTa NC CI2G CYEfiFltlgE rdEC CShdbhtallCtl, fxosn time to time, by the operator of that A'I1<rfi, pins one ?• cent of the rerdt. If you use your card at a .mer- cant. or an ATM that bears the Ytsa logo ;and no PLUS Systemya), the charge will be eased thixutgIi the CrISA and will be ctuiverted tirto US. -dollars a?Ce>sd` to the applicable laws and ruts ciblislted=SA from time to time. If you use yiaur card at an. 2A% tMr. beats both the VISA and PLUS rh',3 telogos, ATia1 operator will denetworsinrat, I I t esscliaxion tge or posm your A.rate n effect;when transarx. ecotntt The aunaunt of your transaerian is dollars if processed thnctesgit l ISri (tttider its cirrren Liylaws and roles) wrild ixe dal The amount -of the foreign curtrtiey runes 1) a rate selected 6f VfSA from the taW, of rates avaflable in wholesale curvcmT mprkats far the applicable ct otral processing date, which.xate way vary from iliie tatie VISA if raceives, or ii) the government-mandated, rate in effect for the applicable ceritral ;protessin data; in eactk of the above instances plats three percent (3%) tirses flee reniiiing dollar are mwt. 1149 3% fee wi l1. ap car oat your seatemtent as "forcign fee". The "fcmeign fbe* may be assessed on all transactions in. which the mercha.tit is Ideated in a country other than the UA., even in transactions that do not require currency- to be convgrted For..lda iiter(:ard Accounts - If you effect a trimsactim-1 with your MasterCard card in a currencyouter than U.S. dollars, MastcrCard Iriummatiotial kworporated will cu vert the Owi:St into a US. dolUr amount. blasterCar d I immational will use its currency conversion prnoceduns, w 1b" aS disclosed m in*dtuticros that issue MssWACard cards. Curttaatly. the currency conversion rata used by MastcrCaW ImernadID mt to ilc[? -tine the transaction amount in U S. dofbars for sudt traneacruatts :is, cnrraflyr either a government mandat- ed raze or a wholesale rate detertnaricd by hUsterCard International for the pvicessh4 cycle its which the ttnn&j-cdon is ??rnocessed, increased W' an s4itwAicnt fa:eror esralilisfsed fixim time to trine bly h&stcrCard International. The currency cx anew slap rate itsed liy JiaasaerCard Intanationatl on the Iarreieessing. date May differ from the rate that wouM have been used but the "Purchase daft or cardinember statainent' posting date. -75. lixspoiisgsi'Iity to pay - You agree to pay us for all Purchases' Advances, Balance Trasisfere, finastce charges, count Fees attd charges, miry other tratfsacd*i.chagps. as provided in i'his Agreement and. to the e-dent pe netted tender:bpplica le ia*, attorneys faces a d coff&r1on .gists we incur to forth{, this AWwrocat against you. This is the case even if dim Account is only used by one of V 04A -o a used by an authordacd signer clo- sed by only time of yoau. Ill there is tbove than one Aeamnt Halt eadt of ytm is responsible; tqg aher and separately, for the #ihl,amount owed on the Aocotttit. 26. frit+ent to repay - Every. time you use the. Acclourtt; you represmit to us that you intend and have the reason- able acridity to repay yerur Aim* ntobtigadonp. We relyonthis representation every time you ttsc the Accaunt. 27. Setd;<iatg a d4kotsdceti btilfsl9 ; Pag$aeri f;•iit Fodld - If yai:t want tai male a di' sagr eeaiex.. witch us about any iiiiaetnt , you owe by seridEng a check on which you irate writtca "Payment in Mir' or sunihtt lam, you must send us a written expUnatim of the ftagrecratiat or. dispute and arty such dwelt to Ca"rifth mber•Service, P.0- Box 633S, Fargo PAD 35125-6335 (see 11®tar 131114 RWAs" section b.dow for complete dulls.). This addrese is different tlxan die address )vu. use to snake AcE tent paymmis. Writing "paymeret in full" or sim- ilar language on the tlieck will not be enough to resolve trine dispute. If we collect a cbeck or any patyment instrutuent marked °fsa:id in Full" that yen: sent to an address other than the one provided h t?lxis section (such as time address at which you nonnaall masse payitmtts), we will not have waived our right to collect any umainiag ammount• you owe us under the remit or the Accottrit. 28. Default - You and, the Account will be its defatdt if a.) you donor :ariake rtl!te ital-tnimunj Payinnzt by the Payment Due Date, disclosed on the mOtithiy Account statement. b) you vialwte any other provision of this Agitxntent; c) you die -Aidi,out a surviving Joint Account Holder; d) you bozome.hisoEvcnt, assign any property to your c rdhors, or go into baukrazptcy or retnivershi} e) you have made false sM tat mts affecting the application or ntainter lance of your Account; f) you go over your Credit Limit; g) . we have any reasen to befiietec that the Aocount is in danger of, or is being used for fraud; b) you are amarried corumtnrity property state reslklerit and you or we receive a written to mination notice of this ASirem ent frrom your spouse; or • . i) anything happens that we believe in good faith ruaterially increases the risk that you Will not live up to your payateut and other obligations under this Agarounerit. 39. [llogal Puxaclrases, " The Card must not bC used for any unlawful purpose, such as funding any accomrt that is setup to faciffiLato onIme gambling: You agree that you will. not use or kticnvirgly pettttir ;mother to use the. Card w Accotnat for any transaction that is illegal tinder applicae ble law. 3.10 . tJwnevship of this Account;; Govrrniog Law - Your Card and any other Accoan.t access devices that we sup- y to ydni are our pproperty and must be it?ediawl returned to tis ox our designated agent or oddiersrise royod or surreartered as we isim act l'>?'e ext end a-ll Accaturt crodit to you in and from the state of Noah, Dakota, regardless of sphere you reside or ase the Account. 'Phis Agroem.c t .is gaverned by Nardi, Dakota law, and, to the extent tiecessatry for interest exportation or consumer protectiou praxposes ?y federtrl lase, regardless of the internal conflict of lave principles of the stare where in reside or use the ?ucxo nit. If a dis- pute arises ami wa file a lawsuit a tinst Lis, service o_fptnaess must lie riYade on the Issuer at the ficillowitrg; addtesa: i?dan h itaaicial Scr•vaiccs,' 323 17th Avenue Ste, Fargoi ND 58103. 31. Ghan?es to the A=0 't - may filar r all or ally, part of this Agreement at any time whe a we uixff, u in wretiti st. Wb will give you the notice; of tiny such c6angc in the manner required by nxth Dakota and fed- cral. latw.' hr changed -terms will akrply w atll LiC•hfi and outstawfirtg Aaicotint balutsces acid ever3rthin g gent owe anxdeT the ,Account as of rite cffiocrive date indirAted in the nodJlDe or edienvisc-pennirted, ls}+ flppsc!Me Jaen If yotd do ream Avant to accept the changes, you must provide us with wr°tttrit notice at die as drti es contained in. the Change in'rentts notice uo later tfim 3S days atwx the effective date of the ch fW. In this case, we will dose your A.cdotmt and perurir yott to pay off the outstanding Aec'autit balance# in :trill at that time or under the -temrs.o[ your exisang Agretmenr. ou will have aweptcd any peel osad change if the Account is used after the effectie date of the changed terins, even if 25 days has not Lapsed afbnr any such effec&r. dace. 32. Q-mcellation of yW scr Account -- We troy caned your Account or truspettd your !4b1hrrg to otnain mount creche nnrnediaEwi , wirbouLt notic-, of the Accetunt is in defruft. Evta if you are:not in, ofoaK wr maycan- eel the Accottut by providing notitrc to you. You may cancel your Account by notifying us by telep4one at 1-800,SS3-3424 or in etrrtting at P.O. R= 6354, PAW ND 58125-6354. If you have a snctired Aaceatitt, your urmination uesttruest be made in writing and mailed to PO Box 6353., Fargo ND :58125-6363, or fixed. to 701-461-3410. If tins is a joint Account, weevil) honor a'ruquest either of you to cancel dw Amount. After the Aanotwnt is cancde d, you will not be able to obtain addiidona account credit. After the Account is canceled, the Account -may contbity to receive recurring charges for itches such as business subscriptions uatid you contact and cancel delivery with the company providing tfrt item. After the Acc+aatat is ci mtaedkd, all aatte}uttts autstandt"r?g on the Ai ootntt will be immtxlta d deed and payable without notice or elerit,mne4 from us. You must cut all Cards and Convenlenc+e Checks in Of acid return them to ans. If you do not pay the mumuat you owe under this ecrbrettt, you evil) be edible for our collection costs .inc.h=ng mr reilionablc attorney fees and expermses of egal actions, in the extent pennitted by applicable law- 33. Ass' Batt of ymrA;ccot n ten another Creditor- We tuay assign, sell or t tansfer your Account and amotaim cave cd by you to another creditor at any time. If we do, this Rorceineirt will s+tdl be in effect useless and tintil arrrtasdett, and. any refereeices made in dais . eewent tai ` %rre , "as°i, "our' or "the Issuer' vwift refer to the cixx$flor to mi& we a ed, sold or trrred the Acemirit or smonnts owed tntde r the Account. You achy not dcleg w yattr ob s and responsi:bilftim to us to any third patty wftlio at our express.writttn consent. 34. C+altea cmdit: mtfrairmation about you - Yaat authorize us to make any credit? employment and investiga- tive inquiries we rl are appropriate related to glving you credir or crolixactmg atnotmts owtd tier your Aeco ant. Yott.agree drat a emsumer credit report may be re(piested periodically fran one or more corxntmer %p rung; agencres (credit bureaus) and used in oonnectim with yaw applic-adon and Any upolate, renewal oi. extension of credit V% win ?oviide infcxrntatiou about you, your Account or your credit history tea cousumer rcposrting agencits and others who may properly receive that irtfornriatimL 3S. C sedit butt." dispevens -- If }rota believe me inaccurately ro:portod credit history inforatiaation about yrortr or the Account to a credit butca call us at 1-800-4819W7 or write to us at (onsixantt .Recovery .l]r partrriettt, attic..: CBR Mpulza, P.O. Box 1413., St. Louis, MO, •63166-9801, 36. PAivacy.piedg e, and disclosam of A;coottat hAmmadon -'Yogi will receive a cW of our Privacy Fl wJkett gate open y river t'accor+ait send at )east owe atittitafly wlnilt you irrnain our customer. We also post o-r rivacg P[af? on our evrb site. (3wr Ftixat~g Pledge elescribes how ,w? calloct, }Meet and use your omfidcntiil fins nctat arrd other infiatmatitein a Qttt yrtitr said the c$rr timstaucca in ev7itch w,e to!gglit allure infiormadan about yora with xnetnbcrs of done corporates ftiimilg and wish tiuaGfi7iated tihird parities. T)ye Privacy Pledge also tells Feu )save tai (a? limit tht ways ore stiaere coda is kinds cif information, about your and (b) request correc- t;ualas tri t]iem#arnTation wesntaiadain alxyrat y©u. 37. 8dwal to Valour Trasuacdow- The Bank and its agents are not respousibk;if a nyorre.refases to healer your Card o r a Convenience Check, or if auffieAvation for a pecdcular transaction. is not gtverr. Although +6uni ay hove txediit available raider the Accritntti we may be tenable to authorize credit for a particular transaction. The riumbtr of tstiitswhous you. make in one y may be limited, and the Bole pper day may vary, These retetricc. a are for se ctirity reasons. And as a reside, we cannot ex plain the details of .lsdrev this ssyynr Works- If your Account is over limir or deliiarlt n authonzation of credit for tratnsact ionti array bt decanw. Nve are not nabke for anything urchased erith your Card or a Convenience Check, e?t as expressly required. bt , ap icAble law (see "Your lift )tights" section bslerw for -more details). You ranst returts goods yosr pur- e used wiTh the Card or Account to the Merchant and not to res. 3 9. Thar parry affcas - Froth tErne to time, Third parties may provide you with benefits not related to the =inn. sign of Account credit We are not liable for these features, services anti enhancements, as thegg are the Sale responsibility of the third pasty.pprovidet_ The Bank and/or a third p tray add change or 'Line entirely these benefits witbotxt ttatme or fiabatity to you, to the extent permitted Uy applicahle Lni. You apft tq hOM is harmless from shy claims, actions or dam resulting front your use taf arty of these futures, services or enhancements, when permitted by apptacalilc w 39. Telephone tnositttriag - From time to time, we tray monitor telephone calls you make to us at our agents. 40. Sevecabill - IF a court of eompetart jurisdiction finds an}}r part of tlt[s Agreement illegal or unmforceable, the rrmatntu-If a tour of tit pagtrc?et t vrili geatain in effect as written after any crush illegat or unenforce- able portion is amends/ in confotsttancce tvith applicable law or, if necessary, voided. 41. Eaxire tlgtecatentt - This vets+ian of the Agneeancstt repraus arty previous vcreious of the Agreertxrnt. The Agreement, as tnadiEed by any rltatapie is tercets we may deliver frtatt tint ter firsts in as tirdattce with applic- able !acv, consrjttttes the entirc agterrnent bttwe+en yea Sad us, and superaottes any pr.iar netiattoat or understanding bttawun Aran auul ua contxnting ttte subject matter of the Agreextteat. 42. 1[/ariver - We tla not gift rep our r' h is under the Agreement or applicab[c Ww when we fail w exercise or delay exercising those rights. Our.f tlnre or delay to exercise any tight or remedy time have against you dues not mean that we waive that right. 43 AA itta fiion - sy requesting an Acwtmt from us and ac:cepcutg this Agrcrutcnt, you agre : that if a daaptar.. of any kind arises out of thu. Agreement, ekber you or we can loo-c to have that &sputc restatva l by N ding arbitration. If arbitration 3s closen Ivy anv,tarty, uather }-ou nor we oral! have tilt tight m litigate thxtt ctaiat in court or to have a jury trial on that claim, ar to engage to pre-arbitratioa discovery, except as ptavided for is the nrl»trattiost rides. In additio-u yott vatic[-not have It tight to participate as a repmentanve or men:- bra• of an class of daimattts ertainang to any claun subject cu at bivranon. The Arbitntoes decision wi11 goat- orally be Eial aad .bindmg. Other rights that you WOUIJ have if you went net court may also not be available in ayrbetearion. It is important that yca read flie entire Arbitration Ptavisioa carefully before aeccpting the terms of this Aguoattear. Any ci? an, dispattz avr conrr.eavecsy (wttetiter is catttrsct, rebttlatorx tort, or othcnirise, rwl=her pre-existing, preacrtt or foturc and iatcludi,;g aoxastatutiottal, nstaitstory, c mtrait latlr, ia:teutional tort and equitable claims, artsavg fmni or rclnting to (aj the credit o[feretl ar rovitled tar you (li) the actions of you, us or third par- ties or (cj tlne validixy of tkts arbitraton pp??oovisimnittdividkaally atn+? eol4eetively? a °C[aint ) nattatt after an eleetioia ,car or rigs be'tesalved by bi ittg arbitration m acasitianex with tits arbitration Provision and tlse° Coaetttxtzial Atiateratubtt RLtlea of t}te AtaTerYCaR Arbitration ASSOCiat, ("AW) sa effect when the (lain is filed (or, in clue [vent this arbitrator os these arbitratitm rat}ca arc no longer avAable, tken a eonepatsb}e sttbatitvtearbitratattuprocsdetreartdloraaliittatioutasgataitationthat does busirnessan ana:tion- wide basis). There shall' bc'tna authority far any Claims art be arbitrntcd on a doss action basis. An arbitration can only- decide our or your Claiue acre/ [may Sot consolidate or "` the claw of ottier persons wAa tray Uiw sianalar• claims. You iuay obtain rules aced fnuml by calling the AAA ih SW778 7879 Arry arbittattioa hearing that you attend will take plate in the federal ]ttddal c9strict whek yea resik. At youi request, we will. a4vance the first 52SO of the fdmg and head fees for any Claim you may tilt agaivat tut, the arrbitra- tvr still deckle to ttetlter eve or }rou Vni aI<analelypay those fem. The ailiiraawi shall apply aable sub- stantive lair eousistmA with the FAA and auppl' statetces of lknitatians, aril shall hooor daims of p6vi- loge ra hed at law ))adgtment upon the awn rd-readered by the arbitrator may be entered in any courthav- iug iurii cdon. TI is : rleitratian its ovisioa strati sntvavc repayment of yoau etrtcnsian ul crecFtt and tertttina- tian of your Aomunt. This arbitration provision shall be govented by the Federal Arbitration Aet? 9 U.S.C. SS l tht'otrgh lb. amass To sccure all of your obliSatiaas eo us under this Caatlmembei AR' reaacmc, you spac fically grant its a security interest in your Security Saving/ Account with its as described in xhe Security Agreement you aiigttad as p.'trt of ymr Secured Acomrat a?ppc.plication. The entire Sectaritny Savings A(xount balance, inctudtngasty interest credited to the 5ocastity Savings tYMount and any aciditiotal depatits.,yon roa}re, is subject• to our security intmrst regard- less of the sunttrtttt you true us, under the Accocant at any time. +e have no ataligatiott to release our swudtyp inteR?t, in wbote or in pant, until your Aecaunt is dosed the balsa= is repaid in (till, and thcre lies been no lami- ance ontstn:?din g an the Accatntt for thirty (30) eommutave days. Althangh we tray release of or any portion of the Sect&ySavtngs Account to you at any time, this. will not affect our security interest xn the rensaitilig halanice of the Security Savings Amatnttar any additional depitsits to the Security Savtn'gs Account- You understand that this security inter=st a a condition to your Secuted A xciant aid tlxat it will couturw, and the funds an deposit in the Security Savi * Aooountwilll be under our control, until we release the sc cur: interest. Our securitymterest in tits Security Savanga Aeoaeat aeau es untly xottr oatztie to us under this Agaxtsnent, and' dctea uqt affect any other credit card Accounts you shay have with us. Ifyour Sew d Account is in Mauit, yim- will have all rights applicable law aflowa inch the ragltt to apply the btila?ce of pour Sncta ity Savings Accoant to the ettkire b al- Use otttsranttiaig at er ytmr ecural Ac?totxttt. To ttocttre each pura}uUse loan, yyon .ggrat a a security interest under .the Uniform Cangtterrisl Code in any gonde }rou ?tttrcha>se with it. If Yana tiefatttt, we will bavethe rn'ght to teoaver any of these goods which bavt [tat [xtm fu11F pawl far through our application of your psaymettts..If YOU give Tyr !rave given as tar ttte facancial inatiturion. whose name appears rem your card a security interest to any piop- city to secure all year debts, the Accowrt wall also be aecttred by that property to the extestt permitted bX taw. lit specsfasa:lty disetatatt as secsxxtttt}} firer this r4cccttmt any security tntrres6 an any "dwelling' as that term is dcf"tned Cr undRegulation of the Federal Reserve Hoard. Y(DUR BILLING RICH'TS KEEP T IS NOTICE ,FOR FU YU E USE This is important information about your rights said our icspons:ibilitics tinder he Pair Cc'edit Ytitliug Act. Notify Us in Gyase of Errors or Questions; About Your Bill If you think your bill is wrong or if you need more. infca:rmarion about an item or rransac. iioiro on your montbly billing statement, YOU MUST WRITE TO US ON A SEPARATE SEIEET OF PAPER AND SEND IT TO. Crardaneeraber Service P-0. Box 6335, Fargo ND 58125.633S Write to us as s an as possible„ We must hear from you no latex than t to clays softer NXr sent yoet the Eirsr bill where floc error or problem appeared. `t'ort can telephone us, but doing so 'wall not preserve your legal rig+hts.under the Fair Credit Billing Act. . In your letter, indude the following infennat.iota: 1) Your name and Account aa.umber; 2) the -dollar amount of the suspec=t error; 3) the date die rraeisaacrion occurred of .possible); and 4) describe the error, and expla in, if you can, why you believe there is an error. If you need more infexrmgtion, daacribe. trte item you. are not sure about. If you have satitherized us to pay your credit card bill aar toinaucaliy frogs your savings or checking account, you can stop the payment on any amount you believe is wrong. To stop the payme-a your letter Must Mach us three business clays before the automatic payment is schedule to occrm 'Your Rights and Our Respoosibitities After We Receive ViVritten Notice We must askno wledge your letter with-in 30 days, unless we heave corrected the error by these. Within 90 days, we must e3tLhex comecr the error or explain why we believe the state- ment was Correct. After ave receive your lctrer, we cannot try to collect any amount you questitmed or repo.rr your Account as delinquo tt. We eafi continue to bill you for the amount you quesdarted, tncluidui<g finance charges, it-ad-we can apply any una aid aa.mourit against your Credir Limit. You do nothave 1.b pay aany. dues •eon-ed-ainonnt whille we are iliYeSr1.?21C1.i1?*, tmt you are stilt obligated to -pair the parts o your Aocoit at that arc no' t in gtiestion. If Nye find' d3at -Nve made as mist, alce on your bill, you will n.ot have to pay any finance charv,es related to the gvestidtned amount: I:B vie did not snake a mistake, yoet may have to pair finance dmrges and vesax will have remake up any.n3issod paaytnenm on. the questioned amoaeeat, In either case, yve will send you a statement of the a£motiuat yot.-I owe sand the :date that it is dice. It you fail to pray the amount that we think you owe, we may report you as delinquent. However, if our explaanatioa does nor ltarirty you and you write to ass within ten days rolling iota that you stlil refuse to ;ray, we must rcll aiayoaae we report you to ttaxt you -h--Ivc a qu"tion. About your bill. And, we must tell you. the manse of anyone we teporCed you to. eft rrtmt tell anyoaie we report you to rlaatt the matter has been settled between us when it finally L%- , If we don'r follow nccse roles, we cannot collect -the first. $5 OM of the gtreestionecl aaaaoutat, even if your bill was correct. Special Rules for Credit Card Purchases If yetis have a problem with flue quality of property or services that you purclMsed with N - credit card, and you have tried ice good faith to coTrect the problem avith the erchant, you may have the right not to ppay the remaining aesaou it dose on the property or services. There are two limitations on rlris right xincl .lxoth must. apply: 1) Yost is ust.haave made the purchase iia your home state oi; if not within your home stare within. 100 miles o:f your current mailing address; -and 2) The purcht a price must have been more than. $50. The conditions do nor :apply if we own or operate the inctchant or if. rve nailed you th.e advertisement for the property or scrvic cs.. SPECIAL RULES FOR CREDIT CARD PURCHASES DO NOT ARP LY TO PURC 7HASES MADE WT T 4 COMIENIENCE CHECKS OR BALANCE TRANSFER CHECKS. MOOD For ELin Financial Services 1?aymeats P.O. Box 7902408 SG Louis, MO 63179-0408 For General Cardmember Service Inquiries PO. Box 6354 Pargo, ND 58125-6354 1-800 5S8-342.4 R7 35025 (07105) 02005 Elan Financial Servkes EXHIBIT C o--7 r t FUI MA. LISTENING IS JUST THE BEGINNING= December Statement for activity from Nov. 18, 2009 through Dec. 17, 2009 Inquiries: 1-866-794-2137 CRAIG HENCH and SHEILA HENCH ELN 811 Page 1 of 2 Activity Summary Credit and Payment Information Previous Balance ................................. $10,209.33 Credit Line................................................... $9,100.00 Payments and Credits ......................... P r h h D i HA..O 0.00 Available Credit........................................... None u c er t eb ts ases EH FINANCE ARGES $228 69 m Pa (Current Month) ... Mi i t D t D P 00 370.00 2027 New Balance ----------- .---- :------------ ......... . $10,477.02 n ue) ........... mu aayymmeen ue ( as Total New Minimum Payment Due.......... . .00 Payment Due Date .................................... Jana 13, 2010 To roduoe or avoid payfag additional Bnanoe charges on your purchaw balance, pay the total now balance of $10,477.0E by 01/'13/10. Anycash balance or balance hanobr balance *4 continuo to aoww dallyinWwat untA tho date your payment is AkvMW Purchases, 12/14 LATE FEE - PAYMENT DUE ON 12/14 ............................. 39.00 Advances, DoWs Fkance Charges 12/17 'FINANCE CHARGE-INTEREST ................................. 228.69 _- ? - --= ----- y_ -:---- -,.---=}•- rte: -_? =--•---=?_ _ _ : _=;:- _ - -- ?? - =--__ - =----_- = =- ?` - ____._______-__ cx .___....____ ..___.P______-__-.._v_... BALAHCETwaSFER $0.00 $0.00 0.074630% VARABLE $0.00 27.24% 0.00%-- N PURCHASES $10,477.02 $10,214.53 0.074630% VARIABLE $220.69 2724% 27.24% Y ADVANCES $0.00 $0.00 0.074630% VARIABLE $0.00 2724% 0.00% N 1,111 This Yoar stat ment to Date Description -of Activity Not Rewards Points ..................................... _............................................. _............ 0 0 NET REWARDS POINTS CONVERSION ............................................................. 0 12 Total ................................................ 0 12 Continued on Next Page Pleaw detach and and coupon with check payable to: Cardmember Service MA. LISTENING IS JUST THE BEGINNING.- To change your address or for Cardmmnber Service plea" cal: 1-866-794-2137 Every Hourl Every Dayl 000002692 1 AV 0.335 106481431461441 P 0247562116200095230002397000010477022 CRAIG HENCH SHEILA HENCH 9 KEYSTONE DR MECHANICSBURG PA 17050-1571 gill It 1111'1111111'1"'1111111111'1ll'i'i1111 YourAooountNumber. 4756 2116 2000 9523 Total NowBalanoe: $10,477.02 Mk*M m Paynm* Due. $2.397.00 Jan.13, 2010 Cardnomber Service P.O. Box 790408 St. Louis, MO 63179-0408 il'hl1ilull'II"hlPhn'n1'll'IIIIIpn11'Iaii111a„1i1?111 RA MA. LISTENING IS JUST THE BEGINNING.= FAR December Statement for activity from Nov. 18, 2009 through Dec. 17, 2009 Inquiries:)-866-794-2137' CRAIG HENCH and SHEILA HENCH ELN a» Page 2 of 2 For rewards program' inquiries and redemption, information cal 800-657-8308 24 hours a day, 7 days a weak or visit us at wwwJubonbankoom to access your account Effective with your billing statement after February 22 2010, your statement due date will be changing to a fixed monthly date. This due date will be 24-30 days after rise close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. Each time you or a third rty on your behalf, pays your bill by personal check, you authorize us to convert that payment' into an electronic debit I the check is processed electrornc 11 , the checking account will be debited for the amount on the check and the debit will appear on your account statement. If you have any questions, please contact us at the Inquiries phone number located on this statement. By Telephone: Send Inquiries to: Send Payments to: By E-Mail: v Every Holly! Every Dar! Cardmember Service Cardman*er Service visit our website: Valos: 1-866-794-2137 P.O. Box 6364 P.O. Box 790408 www.fultcnbankoom MD: 1-888-352-6455 Fargo, ND 58125.6354 St Louis, MO 63179-0408 Fax 1-866-616-1760 End of StaMment Riltm Ba?nkI"- LISTENING IS JUST THE BEGINNING.w December Statement for activity from Nov. 18, 2009 through Dec. 17, 2009 Inquiries., 1-866-794-2137 CRAIG HENCH and SHEILA HENCH ELN 811 Page 1 of 2! =__rF; _'r+I_'.'-.si•5 _ . _......___ - -r...x_`_ ___34'.::?^_?!i?': ??7vE+-_'f??.-W?':c".•C-_r___4:'_:._r_ _ _ Activity Summary Credit and Payment Information Previous Balance .................. $10,209.33 $10,209.33 Credit Line................................................... $9,100.00 Payments and Credits ........................ $0.00 Available Credit........................................... Nonei Purchases, Advances & Other Debits $39.00 Minimum Payment Due Current Month)... $370.00 FINANCE CHARGES ......................... $226.69 Minimum Payment Due (Past Due) ........... $2,027.00 New Balance ....................................... $10,477.02 Total New IlMimum Payment Due.......... $'1.00 Payment Due Date .................................... Jon.1 2010 To Awl" or avoid paying additional finance charges on your purchaaa balance, pay the total now balamo of $10,477.02 byO1l WO. Any cash balance or ba/anow trandir balance Wil oontinue b acww daily Interest until the date your paymentIs noolved. OWN" - Purchases, 12/14 LATE FEE - PAYMENT DUE ON 12/14 ............................. 39.00 Advances, Debits Finance Charges 12/17 'FINANCE CHARGE'"`INTEREST ................................. 226.69 --- ---- -- ---- BALANCE TRANSFER $0.00 $0.00 0.074630% VARIABLE $0.00 27.24% 0.00% N PURCHASES $10,477.02 $10,214.63 0.074630% VARIABLE $228.69 27.24% 27.24% Y ADVANCES $0.00 $0.00 0.074630% VARIABLE $0.00 27.24% 0.00% N Bank LISTENING IS JUST THE BEGINNING.- To ohsnge your address or for Cardmnnber 8arvloe please ad: 1-866-794-2137 Every Hour! Every Dayl 000002692 1 AV 0.336 106481431461441 P 0247562116200095230002397000010477022 CRAIG HENCH SHEILA HENCH 9 KEYSTONE DR MECHANICSBURG PA 17060-1671 III NJ Jill l'lll'1'h'll P.O. Box 790408 St. Louis, MO 63179-0408 II'Illhlllll'II"hlllliil'III'II?iIlI11111Ilrlrlllllllrrllh111 Cordmember Service LISTENING IS JUST THE BEGINNING.- December Statement for activity from Nov. 18, 2009 through Dec. 17, 2009 Inquiries, 1-866-794-2137 CRAIG HENCH and SHEILA HENCH ELN 811 Page 2 of 2 For rewards program Inquiries and redemption information call 800-657-8308 24 hours a day, 7 days a week or visit us at www.fuhonbankoom to access your account. THERE IS A BETTER WAY TO FIX THIS PROBLEM Your account is scheduled to be charged-off as a bad debt and we will be forced to report it to the national credit bureaus, which can stay on your PLEASE CALL US IMMEDIATELY to discuss your options at 1-866-951-3862 or VISIT US ONLINE at WWW.MYA000UNTACCESS.COM. Effective with your billing statement after February 22,2010, your statement due date will be changing to a foced monthly date. This due date vwll be 2430 days alter the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. Each time you or a third party on your behalf, pays your bill by personal check, you authorize us to convert that payment into an electronic debit. If the check is processed electronically, the checking account will be debited for the amount on the check and the debit will appear on your account statement If you have any questions, please contact us at the Inquiries phone number located on this statement. By Telephone: Every Hour! Every Day! Voice: 1-866-794-2137 MD: 1-888-352-8465 Fax 1-888-816-1750 0 Send inquiries to: Cardmember Service P.O. Box 6364 Fargo, ND 58125-6354 CO Send Payments to: By E-Mail: Cardmember Service visit our websits: P.O. Box 790408 www.fuilonbankoom St Louis, MO 63179-0408 End of Statement Rdtm XA LISTENING IS JUST THE BEGINNING.- NO Statement for activity from Oct. 20, 2009 through Nov. 17, 2009 CRAIG HENCH and SHEILA HENCH Activity Summary Previous Balance ................................. $9,954.83 Payments and Credits ......................... 0.00 Purchases, Advances & Other Debits $19.00 FINANCE CHARGES .-..._ ......... ........ $215.50 New Balance ....................................... $10,209.33 Inquiries: 1-866-794-2137 ELN 811 Page 1 of 2 Credit and Payment Information Credit Line ................................................... $9,100.00: Available Credit ........................................... None Minimum Payment Due Cur rentMortth)... $355.00 Minimum Payymmeent Due Past Due) ........... =1,672.00 Total Nsw MWmum Payment Dus.......... $2,027.00! Payment Due Date .................................... Dec. 14, 2009 To reduce or avoid paying addbonal Rance charges on yourpurchaw balance, pay the bbl new balance of $10,209.39 by 126409. Any cash balance orbalance bansfarbalance will oontnue to acww daily intareet until the data yvurpayrrnnt is recvlved. ---------- ----------------.___--- ---- -------?-mss-=- -?`-'_=`s; _z•?.= _?=_??___?;._---- --- =?'-' Purchases, 11/16 LATE FEE -PAYMENT DUE ON 11/15 ............................. 39.00 Advances, Debits Finance Changes 11117 "'FINANCE CHARGE'''INTEREST ................................. 215.50 -------- -_=-...__,.-?__-?:-_?-?--?=-r=? ?= -_ =?=rte:=----= ==-----= -----___.___=_?----------___-- -- --- ---- - -- ---- BALANCE TRANSFER $0.00 $0.00 0.074630% VARIABLE $0.00 27.24% 0.00% N PURCHASES $10,20933 $9,957.51 0.074630% VARIABLE $215.50 2724% 27.24% Y ADVANCES $0.00 $0.00 0.074630% VARIABLE $0.00 2724% 0.00% N This Ysar Statement to 08 to Description of Activity Not Rwvards PoiMs .................................................................................................. 0 0 NET REWARDS POINTS CONVERSION ............................................................. 0 12 Total ................................................ 0 12 Continued on Next Page Please detach and send coupon **h check payable to Cardnwnber Service FWi m ?%A- LISTENING IS JUST THE BEGINNING.- To change your address or for Cardmember Service please oat: 1-866-794-2137 Every Hour! Every Day1 000021772 1 AT 0.357 106481395838873 P 0247562116200095230002027000010209332 CRAIG HENCH SHEILA HENCH 9 KEYSTONE DR MECHANICSBURG PA 17050-1571 nrllulriul?unl?U?l°h?llllhl?'?'1'Id???????'?h?l?rlll?Id P.O. Box 790408 St. Louis, MO 63179-0408 IIIPI-PI.I'll I'Ihpid.?Ihll??l'llllldlll(r1111?nI11?hI?dl Cardmember Service LISTENING IS JUST THE BEGINNING.- November Statement for activity from Oct. 20, 2009 through Nov. 17, 2009 Inquiries: 1-866-794-2137' CRAIG HENCH and SHEILA HENCH Et.N 811 Page 2 of 2' For rewards program inquiries and redemption Information call 800-657-8308 24 hours a day, 7 days a week or visit us at www.Witormeankdor to access your account. #"' SERIOUS COLLECTION ACTION ALERT *** This is your LAST CHANCE to avoid more serious collection action. We have very attractive settlement and reduced interest / ppaayyrent pprrooggrams PLEASE CALL US at 1-666-951-3862 or GO ONLINE to IMVVW.MYA000UNTACCESS.COM and login or enroll in Online Account Access to review your new options. Each time you or a third party on your behalf, pa your bill by personal check, you authorize us to convert that payment into an electronic debit. It the. check is processed electronically, the checking account will be debited for the amount on the check and the debit will appear on your account statement. If you have any questions, please contact us at the Inquiries phone number located on this statement. - - - - - --------- 42 By Telephone: Every Hour! Every Myl Voice: 1-866.794-2137 Too: 1-688-352-6455 Fax: 1-866-616.1750 © Send Inquiries to: Cardmember Service P.O. Sox 6354 Fargo, No 58126-6364 ® Send Payments to, Q By E-Mail: Cardmember Service visit our wsbsPos: P.O. Box 790408 www.fullonbankdom St Louis, MO 63179.0408 End of Stalsment 1 FultonBank LISTENING IS JUST THE BEGINNING." October Statement for activity from Sep. 18, 2009 through Oct. 19, 2009 Inquiries: 1-866-794-2137' CRAIG HENCH and SHEILA HENCH ELN 811 Page 1 of 2 Activity Summary Credit and Payment Information Previous Balance ......................... $9,645.38 ;9,645.38 Credit Line ................................................... $9,100.00 Payments and Credits ....................... $0.00 Available Credit.......................................... Nora! FIPurchases NANCE bH GES..Otl?er Deb $318 45 Minimum m Payment Due (Current e off) . Minim D e Past D $368.00 .. New Bab nc . 54 83 u u u w Mini m P m nt D T l N t $1472 00 s e ............................_....-.-.. . us...._... mu o a e ay e P D D N . 1 ayment 2009 ue ate ....................... ------- ov. To reduce or amid paying additional Rnanoe dwpee on your pumhmw balance, pay the total new balance of $9,9".83 by 11/1609. Any caab balance orbalowe kanster balance *9 oonbnue to accrue da8y inbred until the dab your payment Is received. Purchases, 09/18 OVERLIMIT FEE .................................................................. 39.00 Advances, Debits 10/14 LATE FEE - PAYMENT DUE ON 10/14 ............................. 39.00 Finance Charges 10/19 "'FINANCE CHARGE-INTEREST ................................. 231.45 BALANCE TRANSFER $0.00 $0.00 0.074630% VARIABLE $0.00 2724% - 0.00% N PURCHASES $9,964.83 $9,691.69 0.074630% VARIABLE $231 AS 2724% 27.24% Y ADVANCES $0.00 $0.00 0.074630% VARIABLE $0.00 2724% 0.00% N This Year statement to Qab Description of Activity Not Rewards Poinb .................................................................................................. 0 0 NET REWARDS POINTS CONVERSION ............................................................. 0 12 Total ................................................ 0 12 Congnued on Next Page Please detach and send coupon w/th dwok payable b., Cardinmber Service FW%mEk3nk LISTENING IS JUST THE BEGINNING." To ohango your address or for Cardmember Service please ca: 1-866-794-2137 Every Hourl Every Dayl 000022302 1 AT 0.367 106481361368627 P 0247562116200045230001672000009954831 CRAIG HENCH SHEILA HENCH 9 KEYSTONE DR MECHANICSBURG PA 17060-1671 I I 11111111111111111 oil 1111111111111 Cardmember Service P.O. Box 790408 St. Louis, MO 63179-0408 1Ir1r11??l??Irln?ld'IdIII'?9?" ?Ir?'ll"III1n11111gill 1111ll Fulton Bank LISTENING IS JUST THE BEGINNING.`" - UN 42 October Statement for activity from Sep. 18, 2009 through Oct. 19, 2009 Inquiries: 1.866-794-2137 CRAIG HENCH and SHEILA HENCH ELN 811 Page 2 of 2 For rewards program inquiries and redemption information call 800-657-8308 24 hours a day, 7 days a week or visit us at wwwJukonbankoom to access your account HOMELTM MEN=, If you have not already made arrangements with us to repay the past due portion of your account balance, we urge You to contact us immediately. We must hear from you t0 avoid more serious action. Please contact us at 1-600-236-4177. Each time you or a third party on your behalf, pays your bill personal check, you authorize us to convert that payment into an electronic debit. If the check is processed electronics] the checking account MN be debited for the amount on the check and the debit MU appear on your account statemerl, If you have any questions, please contact us at the Inquiries phone number located on this statement. ILb By Telephone: © Send Inquiries to: ® Send Payments lo:i By E-Mail: Every Hour! Every Dayl Cardmember Service Cardmembsr service visit our wsbsits: Voice: 1-866-794-2137 P.O. Box 6354 P.O. Box 790408 www.Wltonbankoom MD: 1-888-352-6465 Fargo, ND 68125-6354 St Louis, MO 63179-0408 Fax 1-866-616-1750 End of Statement FultmBank LISTENING IS JUST THE BEGINNING.'" September Statement for activity from Aug. 20, 2009 through Sep. 17, 2009 CRAIG HENCH and SHEILA HENCH Activity Summary Previous Balance ................................. $9,363.77 Payments and Credits ........................ 0.00 Purchases, Advances 8 Other Debits $8.00 FINANCE CHARGES ......................... $203.61 Nsw Balance ............................... _...... $9,645.38 Inquiries: 1-866-794-2137 ELN 256 11 Page 1 of 2 Credit and Payment Information Credit Line ................................................... $9,100.00 Available Credit ........................................... None Minimum Payment Due Current Month)... ( 337.00 Minimum Payment Due Past Due) ........... Total New Minimum Payment Due.......... 1967.00 $1,304.00'. Payment Due Date .................................... Oct. 14, 2009 To reduce or avoid paying additional finanos charges on your purchase balance, pay Mho total now balance of $9,645.38 by fW1409 Anyoawh balance or balance transfer balance Rip continw to acorw dailylMorest until the date yourpayrnentis received. ------ ---------------- ------ - ---- --------- --- ---- ------- - - ---------- - Purchases, 0820 OVERLIMIT FEE .................................................................. 39.00 Advances, Deblfs 09h 4 LATE FEE - PAYMENT DUE ON 09/13 ............................. 39.00 Finance Charges 09/17 'FINANCE CHARGE"'INTEREST ................................. 203.61 BALANCE TRANSFER $0.00 $0.00 0.074630% VARIABLE 80.00 2724% 0.00% N PURCHASES $9,646.38 89,408.14 0.074630% VARIABLE $203.61 2724% 27.24% Y ADVANCES 80.00 80.00 0.074630% VARIABLE 80.00 2724% 0.00% N Tide Year Statement to Data Description of Activity Net Rewards Point& .................................................................................................. 0 0 NET REWARDS POINTS CONVERSION ............................................................. 0 12 Total ................................................ 0 12 Continued on Next Page Please detach and send coupon with check payable to Cardmembsr Service %hmBai* LISTENING IS JUST THE BEGINNING." To change your address or for Cardmwmber Barbs plea" call: 1-866-794-2137 Every Hourl Every Day! 000022062 1 AT 0.357 106481326206991 P 0247562116200095230001304000009645385 CRAIG HENCH SHEILA HENCH 9 KEYSTONE DR MECHANICSBURG PA 17050-1571 IJIIIIIl11l1uIIIIlI11I111'11111nh11"'IIIl11h111"111'11 P.O. Box 790408 St. Louis, MO 63179-0408 -11'1111'11-11111111-1'1'111111'#IlIIh111111111111Jill "111111111 Cardmember Service Felt m Bank LISTENING IS JUST THE BEGINNING.'" September Statement for activity from Aug. 20, 2009 through Sep. 17, 2009 Inquiries: 1.866-794-2137' CRAIG HENCH and SHEILA HENCH ELN 25611 Page 2 of 2 For swards program inquiries and rademplon information call 800-667-8308 24 hoursa day, 7 days a wee or visit us at www.fultonbankoom to aoosss your acoount Your account is now seriously past due. To protect your credit rating, please send your payment today for the past due amount indicated below in the minimum Payment Due section or call us at 1-800-236-9454. Each time you or a third party on your behalf, pays your bill by personal check, you authorize us to convert that payment into an electronic debit. If the check is processed electronical , the checking account will be debited for the amount on the check and the debit will appear on your account stateme If you have any questions, please contact us at the Inquiries phone number located on this statement - _- _- --------------- ---------- - - ------ By Telephone: Send Inquiries to: ® Send Payments to: Q B E-Mail- Every Houil Every Dayl Cardmenrbsr Service Cardmentw 6erv4oa visit our wobdts: Voice: 1-888-794-2137 P.O. Box 6364 P.O. Box 790408 wwwNhonbankoom MD: 1-888-352-6455 Fargo, ND 68126-6354 6t Louis, MO 63179-0408 Fax 1-868-616.1750 End of Statement FulbmBank LISTENING IS JUST THE BEGINNING." ® August Statement for activity from Jul. 21, 2009 through Aug. 19, 2009 Inquiries: 1-M-794-2137 CRAIG HENCH and SHEILA HENCH ELN 56711 Page 1 of 2 __-?-- ---? - ------- -'---sue ?r -- ? =•--'-----... -_ - - - _s Activity Summary Credit and Payment Information Previous Balance ................................. 99,082.09 Credit Line................................................... $9,100.00 Payments and Credits ......................... $0.00 Available Credit........................................... None Purchases, Advances & Other Debits ES N E H R $78.00 Minimum Payment Due Current Month)... e (Past D e) 68 Mi P t D 203 i 334.00 633 00 ......................... FKA A G C C B l N ........... u mum aymen 9 n u . nt Due hn m P m l N w M1 $9 36337 T t . $967 00 ance.........» ............................ ew a .......... ay e , n o u o a . Payment Due Date .................................... Sep. 13, 2009 To reduce or avoid paying additnal Rnanoe charges on yourpurchass balance, pay the bta/ new balance of $9,363.77 by 09H3M Any cash balance or balance transfer balance *9 continue to scaus dally Interest unt8 the date ynur payment is noshed. ERIC- stir • ?-__ _--?_..=1 - - - -- -- .--- -- •?.r?._=• ==?e?',:-?- = - _ - ?• Purchases, 08/14 LATE FEE - PAYMENT DUE ON 08/14 ............................. 39.00 Advances, Debits 08/14 OVERLIMIT FEE .................................................................. 39.00 Finance Charges 08A9 ***FINANCE CHARGE-INTEREST ................................. 203.68 ---- - ------- - _nEM- ='=-'' __..___.----'...F.._-'---__ -r..a=__.=-_-. _ •4v-s?•h?-aac?.-?v _ '3.:'v3.vaw.-_' mrnp=&:.-_? ______=-ra?._ _ ___? -_ BALANCE TRANSFER $0.00 $0.00 0.074630% VARIABLE $0.00 2724% 0.00% N PURCHASES $9,363.77 $9,097.69 0.074630% VARIABLE $203.66 2724% 27.24% Y ADVANCES $0.00 $0.00 0.074630% VARIABLE $0.00 2724% 0.00% N This Veer Staternera< to Data Description of Activity Not Rewards Points ....... _ ......................................................................................... 0 0 NET REWARDS POINTS CONVERSION ............................................................. 0 12 Total ................................................ 0 12 Conynued on Next Page Please detach and send coupon with crack payable b: Cardmember Service, FUhmBw&, LISTENING IS JUST THE BEGINNING.. To change your address or for Cardmember Service plea" call. 1-866-794.2137 EveryHour! EveryDayf 000003765 1 AV 0.336 106481293775809 P 0247562116200095230000967000009363773 CRAIG HENCH SHEILA HENCH 9 KEYSTONE DR MECHANICSBURG PA 17050-1571 Ilnlrrlll?pllllrlll1111199{IIIIIIIdlldlrllll{hurII11111i' P.O. Box 790408 St. Louis, MO 63179-0408 111011'II!"IIIIIIII{I{'11111{'li{Ilrllll'll'IIII°Ilplrlrlrl{I Cardmember Service Fur NG IS JUST THE BEGINNING.`" MA LISTENI August Statement for activity from Jul. 21, 2009 through Aug. 19, 2009 Inquiries: 1-866-794-2137 CRAIG HENCH and SHEILA HENCH ELN 56711 Page 2 of 2 For rewards program Inquiries and redemptlon informatlon ad 800-657-6308 24 hours a day, 7 days a week or visit us at www.fultonbankoom to aooesa your account Your account is past due and has been referred to our collection department To avoid further action, please send your payment today or call us at 1-800-676-4060. Pay bills the easy way and earn reward points. You can earn points on all your monthly bills when you pay with your credit card. Plus there's no need to write checks, buy stamps or worry about mail delays. Just contact your billers directly online or by phone to make a payment. BSianceShield can help take the sting out of unexpected events. An optional product, it cancels payments to your Credit Cana account When you need help the most, due to a hardship such as unemployment, hospitalization or other covered event, BalanceShleld will be at your side. For only 85 vents per $100 of your statement balance it will help safeguard your account payment history during tough times. ENROLL TODAY at 1.877.694.1285. Redeem your reward points or check your reward point totals instantly. Visit your banks webeite or the Online Account Access website at myaccountaccess.com or call 1.800.657.8308. Each time you or a third party on your behalf, pa your bill by personal check, you authorize us to convert that payment into an electronic debit It the check is processed electronically, the checking account will be debited for the amount on the check and the debit will appear on your account statement. If you have any questions, please contact us at the Inquiries phone number located on this statement. =- = =-- _- 9 By Telephone: ® Send Inquiries to: ® Send Payments to: By E-Mail: Every Hour! Every Day! Cardmamber SeMos Cardmember Service visit our websW Volos: 1.866-794-2137 P.O. Box 6354 P.O. Box 790408 www.fultonbankoom Too: 1-888-362-6456 Fargo, No 68125-6364 St Louis, MO 63179-0408 Fart 1-866-6161750 EndoiStabm nt s FuBank LISTENING IS JUST THE BEGINNING." July Statement for activity from Jun. 18, 2009 through Jul. 20, 2009 Inquiries: 1-866-794-2137 CRAIG HENCH and.SHEILA HENCH ELN 5611 Pagel of 2 Activity Summary Credit and Payment Information Previous Balance ................................. $8,825.51 Credit Line................................................... 59,100.00 Payments and Credits ......................... $0.00 Available Credit........................................... $17.91 Purchases, Advances & Other Debits X39.00 Minimum Payment Due Current Month)... $345.00 FINANCE CHARGES ......................... =2217.58 Minimum Payment Due (Past Due) ........... 288.00 New Balance ....................................... $9,082.09 Total Now Mkdmum Payment Due.»....... X3.00 Payment Due Date .................................... Aug.14, 2009 To reduce or aviold paying addN(onal finance charges on ylourputMase balance, pay the AoW new balance of $9,082.09 by MUM. Any cash balance or balance transfer balance Wfi conl'nw to acanw daffy inbrest unit the dab your payment is nnlmd. --•"?? s`_'?.-.-- ?? _?+?'? ? _ _ -=- ?i.?•,u?=;:_?_?;-_?:x ti try ?T.?-,13?.?`__.-.= ? ti=-'??^?? r= _ ___ ?:? __. ?z ---------------- Purchases, 07/13 LATE FEE - PAYMENT DUE ON 07/12 ............................ 39.00 Advances, Desalts Finance Charges 0720 "'FINANCE CHARGE*** INTEREST ................................. 217.58 _ _ -: - Owl BALANCE TRANSFER $0.00 $0.00 0.074830% VARIABLE $0.00 2724% 0.00% N PURCHASES $9,082.09 $8,834.96 0.074630% VARIABLE $217.58 2724% 27.24% Y ADVANCES $0.00 $0.00 0.074630% VARIABLE $0.00 2724% 0.00% N This Yaer Statement to Ante Description of Activity Not Rewards Points ......................................................... ............ .......................... 0 0 NET REWARDS POINTS CONVERSION ............................................................. 0 12 Total ................................................ 0 12 Continued on Next Page Please detach and send coupon wlfh cheek payable to: Cardhwnber Service Fultm 'r IS JUST THE BEGINNING." To change your address or for Cardmsn6sr Swvlae please ad: 1-866-794-2137 Every Hours Every Dayl 000022567 1 AT 0.367 106481260962989 P 0247562116200095230000633000009082096 CRAIG HENCH SHEILA HENCH 9 KEYSTONE DR. MECHANICSBURG PA 17050-1571 III 1111111121 Cardmember Service P.O. Box 790408 St. Louis, MO 63179-0408 11111 .1111111. 'd1,Irgl,glrlrl„hl'Ih11'Jill FuhmBank LISTENING IS JUST THE BEGINNING.- July Statement for activity from Jun. 18, 2009 through Jul. 20, 2009 Inquiries: 1-M-794-2137 CRAIG HENCH and SHEILA HENCH ELN 5611 Page 2 of 2 For rewards program inquiries and redemp0on informa#on oak 800.867-8308 24 hours a day, 7 days a week or visit us at www.hrf0onbankoom to access your account The above minimum payment includes a past due amount which is payable immediately upon receipt of this statement. If this amount has already been mailed please disregard this notice. If you cannot immediately forward this past due amount, please contact our collection department at 1-877-838-4347 to make other suitable arrangements for payment BalanceShield can help take the sting out of unexpected events. An optional product, it cancels payments t0 your Credit Card account. When you need help the most, due tD a hardship such as unemployment, hospitalization or other covered event, BalanceShl'eld will beat your side. For only 85 cents per 100 of your statement balance it will help safeguard your account payment history during tough limes. ENROLL T8DAY at 1-877-694-1285. Each time you or a third party on your behalf, pays your bill by personal check, you authorize us to convert that payment into an electronic debit. If the check is processed electronically, the checking account will be debited for the amount on the check and the debt will appear on your account statemend If you have any questions, please contact us at the Inquiries phone number located on this statement 2 By Telephone: © Send Inquiries to: ® Send Payments to: Every Hour! Every Day! Cardmember 8"oe Cardmerrber Servioo Voioe: 1-866-794-2137 P.O. Box 6364 P.O. Box 790406 TDD: 1-888-362-6456 Fargo, NO 68125-6364 St Louls, MO 63179.0408 Fax: 1-866-616-1750 Q By E-Mail: visit our webalb: www.fr0tonbankoom End of Statement r FultmBank LISTENING IS JUST THE BEGINNING." June Statement for activity from May 19, 2009 through Jun. 17, 2009 Inquiries: 1-886-794.2137 CRAIG HENCH and SHEILA HENCH ELN 6711 Page 1 of 2 Activity Summary Credit and Payment Information Previous Balance ................................. Pa ments and Credits 9123.85 J500 0 Credit Line................................................... $9100.00 y ......................... . 0 Available Credit........................................... 274.49 1 Purchases, Advances & Other Debits FINANCE CHARGES $0.00 $201 66 Minimum Payment Due Current Month)... Mi i t D (P t D Pa 288.00 0 ......................... New Balance ................. a............... ..... . $8,825.51 n mum ymen as ue) ........... ue Total New Minimum Payment Due.......... $0.0 $288.00 Payment Due Date ..- ................................ Jul. 12, 2009 To reduce or avoid paying addWonal finance charges on your purchaw balance, pay the total now balance of $8,825.51 by 07112AV Any cash balance or balance transfer balance WO oornlinue b accrw daily kMerset unid the dab your payment is received. Payments 06/11 06/11 0197 PAYMENT THANK YOU .................................................... 500.00 CR and Credits Finance Charges 06/17 ''`FINANCE CHARGE-INTEREST ................................. 201.66 BALANCE TRANSFER $0.00 - $0.00 0.074830% VARIABLE $0.00 2724% 0.00% N PURCHASES $8,826.61 $9,007.18 0.074630% VARIABLE $201.66 2724% 27.24% Y ADVANCES $0.00 $0.00 0.074630% VARIABLE $0.00 27.24% 0.00% N ----- ------ ------- -- Thfe year statement to Date Description of Activity Net Rwrards Points ............................................................... _................................. 0 0 NET REWARDS POINTS CONVERSION ............................................................. 0 12 Total ................................................ 0 12 ConBnued on Next Page Please detach and send coupon wiM? check payable to Cardmember Sw vkv FWtmBai * LISTENING IS JUST THE BEGINNING." To change your address or for CarrJmember SeMoe plisse cal: 1-866-7942137 Every Hoarl Every Dayl 000022928 1 AT 0.367 106481218812382 P 0247562116200095230000288000008825519 CRAIG HENCH SHEILA HENCH 9 KEYSTONE DR MECHANICSBURG PA 17060-1671 rlluirlllulrltll'Iilll'I??11',Il??l't?'I?I1?1111?1r1?'?I'I?Iltl Cardmember Service P.O. Box 790408 St Louis, MO 63179-0408 ill?hr?r?rhhh?ll?nlll,lrlrl1d'1?"'I?'lllhl?lllllllr?lll?? v. FultmBank LISTENING IS JUST THE BEGINNING.' June Statement for activity from May 19, 2009 through Jun. 17, 2009 inquities:l-866-794-2137 CRAIG HENCH and SHEILA HENCH ELN 6711 Page 2 of 2 BaianceShield can help take the sting out of unexpected events. An optional product, it cancels payments to your Credit Card account When you need help the most, due do a hardship such as unemployment, hospitalization or other covered event, BalanceShield will be at your side. For only 85 cents per $100 of your statement balance it will help safeguard your account payment history during tough times. ENROLL TODAY at 1-877-694-1285. Manage finances online. Visit the Online Account Access website at myaccountaccess.com to view your statements, check your balance and pay your statement bill online, 24 hours a day. Each time you or a third arty on your behalf, pays your bill by personal check, you authorize us to convert that payment into an electronic debit Ipf the check is processed elek tropical , the checking account will be debited for the amount on the check and the debt will appear on your account staters If you have any questions, please contact us at the Inquiries phone number located on this statement 2 By Telephone: 0 Send Inquiries to: ® Send Payments to: Every Hourt Every Doy! Cardmsmbar ewvice Cardnwmbar Urvbs Voios: i-81518-794-2W P.O. Box 6364 P.O. Box 790406 TDD: 1-888-352-6465 Fargo, ND 68125-6354 St. Louis, MO 63179.0408 Fax: 1-866-616-1750 Q By E-Mail: visit our vmbsite: mysomuntacoess.com End of Slak m mt Aw Fu Bank LISTENING IS JUST THE BEGINNING.' E -'""?t Ma Statement for activity from Apr. 21, 2009 through May 18, 2009 Inquiries: 1-866-794-2137 CRAIG HENCH and SHEIA HENCH ELN 56711 Page 1 of 2 Activity Summary Credit and Payment Information Previous Balance.................................. $9285.31 Credit Line ................................................... $20,000.00. Payments and Credits ......................... 350.00 Available Credit........................................... $10876.15 Purchases, Advances & Other Debits $0.00 Minimum Payment Due Current Month)... J278.00 FWANCE CHARGES ......................... $188.54 Minimum Payment Due (Past Due) ........... $0.00 New Balance ....................................... $9,123.95 Told New Y ninrui I m Payment Due.......... $27&00 Payment Due Date .................................... Jun.12, 2009 To reduce or avoid paying adaftnal finance charges on your purnhaae balance, pay tiro btal nary balance of $9,123.85 by 0W12,09. Any cash balance or balance transfer balance witi continue b aoorus dally interest unto the dale your payment Is received. ---------_-==?_ "-= - Pay w*s 0428 0428 0000 PAYMENT THANK YOU .................................................... 350.00 CR and Credits Finance Charges 05A 8 ""FINANCE CHARGE-'INTEREST ................................. 188.54 BALANCE TRANSFER $0.00 $0.00 0.074630% VARIABLE $0.00 2724% 0.00% N PURCHASES $9,123.85 ;9,022.81 0.074630% VARIABLE $180.54 2724% 27.24% Y ADVANCES $0.00 $0.00 0.074630% VARIABLE $0.00 2724% 0.00% N This Year staament to Data Description of Activity Net Rewards Points ....................................... NET REWARDS POINTS CONVERSION - Total 0 0 ......... 0 12 0 12 Coninued on Next Page Please detach and send coupon with oheck payable b: Cardmsmber Ser~ %hmBw& LISTENING IS JUST THE BEGINNING.'" To change your address or for Cardnwntw Service please call: 1-866-794-2137 Every Hour! Every Dayl 0247562136200095230000278000009123858 000022705 1 AT 0.357 106481184606633 P CRAIG HENCH SHEILA HENCH 9 KEYSTONE DR MECHANICSBURG PA 17050-1571 I ll ll lllrlluingllllllll'1111ur1a111111'lllllliillllhlllrlll Cardmember Service P.O. Box 790408 St Louis, MO 63179-0408 uld'Illlurlllllllr'n'iii'llllh'I'Iv'I'Ilhlilhlil'1114h RiltmBank LISTENING IS JUST THE BEGINNING!' May Statement for activity from Apr. 21, 2009 through May 18, 2009 Inquiries: 1-866-794-2137 CRAIG HENCH and SHEILA HENCH ELN 56711 Page 2 of 2 For rewards program inquiries and redemption information call 800-657-8308 24 haws a day, 7 days a week or visit us at www.fuhanbankoom to access your account =ra - _- _ z =vs_ f y_ _ x BalanceShield can help take the sting out of unexpected events. An optional product, it cancels payments to your Credit Cana account when you need help the most, due to a hardship such as unemployment, hospitalization or other covered event, BalanceShield will be at your side. For only 85 cents per 100 of your statement balance it will help safeguard your account payment history during tough times. ENROLL TODAY at 1-877-6941285. Each time you or a third party on your behalf, pays your bill by personal check, you authorize us to convert that payment into an electronic debit If the check is processed electronic illy, the checking account will be debited for the amount on the check and the debit will appear on your account statemen. If you have any questions, please contact us at the Inquiries phone number located on this statement ------------- ------ 2 By Telephone: Every Hourl Every Dayl Voios: 1-866-794-2137 TOO: 1-888-362-6455 Fax 1-866-616-1750 0 Send Inquiries to: Cardmember Service P.O. Box 6364 Fargo, NO 58125-6354 ® Send "Willis to: Cardmember Iservioe P.O. Box 790408 St Louis, MO 63179-0408 End of Statement L By E-Mail: visit our web to: myaocountacoess.oom CRAIG HENCH Your Rewards on Demand! Choose from cash, merchandise, gift cards, travel and more. To redeem, visit your bank's website or the Online Account Access website at myaccountaccess.com or call 1.800.657.8308. Get the rewards you want, when you want them t Rewards redemplion service provide by Consumer Benefits Services, Inc. The credibr, issuer and service provider of your credit card is E Ian Financial Services. RjBank LISTENING IS JUST THE BEGINNING.'" LEM April Statement for activity from Mar. 19, 2009 through Apr. 20, 2009 Inquiries: 1-866-794-2137 CAIG HENCH and SHEILHENCH ELN s» Page 1 of 2 11 "4-1-3111 Activity Summary Credit and Payment InforM00111 Previous Balance ................................ CredHt Line ................................................... 20,000.00 Payments and Credits ......................... $9420.11 }363.00 Available Credit........................................... 110 714.69 Purchases, Advances & Other Debits $0.00 Minimum Payment Due urmnt Month)... }319.00 FINANCE CHARGES ......................... $22620 Minimum Payment Due (Past Due) ........... $0.00 New Balance ........................... $9,285.31 Total Now Wftnum Payment Due.......... $319.00 Payment Duo Date ........... _ ....................... May 15, 2009 To reduce or avoid paying addNlonal finance charges on yourpuraha w balance, pay the total now balance of $9,285.31 by O&Y&W Any ceah balance or balance transfer balance wit ocntlnue to accrue dally inAwwt unN the dab your payment le received. Payments and Crodits Fhvnm Charpos BALANCE TRANSFER PURCHASES ADVANCES $0.00 $0.00 0.074630% VARIABLE $0.00 2724% 0.00% N $9,28631 $9,266.11 0.074630% VARIABLE $22820 2724% 27.24% Y $0.00 $0.00 0.074630% VARIABLE $0.00 2724% 0.00% N TNs Year Statement to Date Descri#ion of Aatlvfty Net Rewards Pointa..._.._ ......................................................................................... NET REWARDS POINTS CONVERSION ............................................................. Tate) ................................................ 0 0 0 12 0 12 Conflnued on NoxtPage Please detach and send coupon wffh check payable to Cardmsmbar Servke FWtmBar& LISTENING IS JUST THE BEGINNING." To change your address or for Cardmseber Ssrvios plat* ad: 1-866.794-2137 Every Howl Every Day! 000023861 1 AT 0.346 106481163589632 P 024756211620009523000031900000928S310 CRAIG HENCH SHEILA HENCH 9 KEYSTONE DR MECHANICSSURG PA 17060.1671 li'11111{{{Poll{l{{1111{I'llilNPhlll{1'111{Ilh,ll{1ulll{{I 04/07 04/07 0000 PAYMENT THANK YOU .................................................... 363.00 CR 0420 'FINANCE CHARGE''INTEREST ................................. 226.20 Cardmomber Service P.O. Box 790408 St. Louis, MO 63179-0408 I'1'{PHI{1 {{1- HI{I{'IPtlhlr{hIIr11,111111{11 111{'1'{I{{{'{"I I .. i FuBank LISTENING IS JUST THE BEGINNING." E H' April Statement for activity from Mar. 19, 2009 through Apr. 20, 2009 Inquiries: 1.866-794-2137' CRAIG HENCH and SHEILA HENCH ELN 611 Page 2 of 2 For rewards program inquiries and redemptlon information oall 800-657-8308 24 hours a day, 7 days a weak or visit us at www.fuitonbankoom to access your account Each time you or a third party on your behalf, pays your gill by personal check, you authorize us to convert that payment' into an electronic debit. ti the check is processed electronically, the checking account will be debited for the amount on the check and the debit will appear on your account statement. If you have any questions, please contact us at the Inquiries phone number located on this statement w By Telephone: Every Hour1 Every Day! Voios: 1-866-7942137 Too: 1-888-352-6465 Fax 1-866-616-1760 Q Send Inquiries to: Cardmemi»r Suvioe P.O. Box 6364 Fargo, No 58125-6354 CO Send Payments to: Cardmember Service P.O. Box 790408 St Louis, MO 63179-0408 9 By E-1111ail: visit our websits: myaooountzooesa.oom End of Stat"wt ^ , FultmBank March Statement for activity from Feb. 18, 2009 through Mar. 18, 2009 CRAIG HENCH and SHEILA HENCH Inquiries: 1-866-794-2137 ELN 7811 Page 1 of 2 Activity Summary Credit and Payment Information Previous Balance ................................. $9,320.07 Credit tine................................................... .... 20 000.00 20 000.00 Payments and Credits ......................... P rchase Ad b Oth D 0.00 Available Credit ............. , 110 , 579.89 u s vances er ebits FINANCE bHARGES .................. .00 161 04 Minimum Payment Due Current Month):.. (P Minimum Pa ment D t D 194.00 1 ...... New Balance ................................. _.... . ;9,420.11 y ue as ue) ........... Total New Minimum Payment Due.......... 169.00 $ 363.00 Payment Due Date .................................... Apr. 12, 2009 To uwfuoe or avoid paying additional finance oharpsa on your purchase balance, pay the total new balance o($9,420.11 by 04N209 Any cash balance or balance transfer balance afff continue to aomm daffy irrtwsst untr the date your payment is reostvsd. Purchases, 03/16 LATE FEE - PAYMENT DUE ON 03/14 ............................. 39.00 Advances, Debts Finance Charges 03/18 'FINANCE CHARGE"'INTEREST ................................. 61.04 rra.-:P_Ft:? _? _ - -_ _ "mss ?;t i-z= n'Y'•`? : -- - as s-z r?vv?:?.- ¢g.•?7Rr.-'a?-•Li?s^_-s?_v =' - ___ __ _ __ ___ _ ?_i3 ??=? - - Y _ - _ ?T- -_ __-a--.•?.? _z =?__: _:.-._-x._____-rr= ___=?==::._?.?__s__.sr_r.•rr? _- "m:,. •_- ..----_..i; _ • ? _,rj_s; BALANCE TRANSFER $0.00 60.00 0.022675% VARIABLE $0.00 824% 0.00% ? N PURCHASES $9,420.11 $9,324.10 0.022675% VARIABLE $61.04 824% 8.24% Y ADVANCES 60.00 60.00 0.057506% VARIABLE $0.00 20.99% 0.00% N - ------- - ----- TMs Yoar statement to Date Descript/on of Activity Not Rewards Points .................................................................................................. 0 0 NET REWARDS POINTS CONVERSION ............................................................. 0 12 Total ................................................ 0 12 Continued on Next Page Please detach and send coupon **h check payable tc: Card member Service FukmBar& To change your address or for Cardmember Servioe please call: 1-86&794-2137 Every Hour! Every Day! 000023818 1 AT 0.346 106481120667290 P 0247562116200095230000363000009420110 CRAIG HENCH SHEILA HENCH 9 KEYSTONE DR MECHANICSBURG PA 17050-1571 Irlllnpl,llptilllrtltlrlplrlrlrldyiuprlrlluirillliPlrrr YorrAcoountNumber: 4756 2116 2000 9523 Total Now Balance: $9,420.11 Afftru nr Payment 0". 5363.00 Apr. 12, 2009 Cardmember Service P.O.Box 790408 St Louis, MO 63179.0408 III?III11Pr,roll,ililhlPlhllillrrlhrllirulrrrrllrhlllrlrl N-0 March Statement for activity from Feb. 18, 2009 through Mar. 18, 2009 Inquiries: 1-866-794-2137 CRAIG HENCH and SHEILA HENCH ELN 7811 Page 2 of 2 For swards program Inquiries and redenrptlon informatlan call 800-657-8308 24 hours a day, 7 days a weak or visit us at www.fuimnbxnicoom to access your account The above minimum payment includes a past due amount which is payable immediately upon receipt of this statement.' If this amount has already been mailed, please disregard this notice. If you cannot immediately forward this past due amount, please contact our collection department at 1-877-838-4347 to make other suitable arrangements for payment. BalanceShield can help take the sting out of unexpected events. An optional product, it cancels payments to your Credit Card account. When you need help the most, due to a hardship such as unemployment, hospitalization or other covered event, BalanceShield will be at your side. For only 85 cents per 100 of your statement balance it will help safeguard your account payment history during tough times. ENROLL T?DAY at 1-877-694-1285. Each time you or a third s on your behalf, pays your bill by personal check, you authorize us to convert that payment into an electronic debit. If the check is processed electronical , the checking account will be debited for the amount on the check and the debit will appear on your account stateme If you have any questions, please contact us at the Inquiries phone number located on this statement. 2 By Telephone: Q Send hquiries to: CO Send Payments to: Every Hourl Every Dayl Cardmember Service Cardmember Service Voice: 1-888-794-2137 P.O. Box 6354 P.O. Box 790408 Too: 1-888-352-8455 Fargo, No 58126-6354 8t Louis, L40 63179-0408 Fax: 1-886-816-1760 By E-Mall: visit our wabsits: ntyaooountsooeaa.com End of Statement - ,?. , FultmBank February Statement for activity from Jan. 16, 2009 through Feb. 17, 2009 Inquiries: 1-866-794-2137 CRAIG HENCH and SHEILA HENCH ELN 6711 Paae 1 of 2 Welcome CRAIG HENCH and SHEILA HENCH Congratulations on choosing the Fulton Bank Select Rewards Vsa® Platinum Card. As a valued cardmember, you'll receive outstanding credit value, prompt service and unique benefits. You're backed by our Cardmember Service Guarantee, which ensures the superior service you deserve. For your added convenience, you may also view your statement online at myacc ountaccess.com. For questions regarding; your account, please contact our Cardmember Service Department at the number listed on this statement. Activity Summary Credit and Payment Information Previous Balance ................................. $9,443-71 Credit Line ................................................... 20,000.00 Payments and Credits ....................... ;200.00 Available Credit........................................... :1067993 Purchases, Advances & Other Debits 00 Minimum Payment Due (Current Month)... FINANCE CHARGES ; X6 36 Mi i t D P D P 169.00 ......................... . n mum aymen ue ( ast ue) ........... New Balsrtce ....................................... $9,320.07 Total New Minimum Payment Due.......... 00.00 $169.00 Payment Due Date .................................... Mar. 14, 2009 To reduce or avoid paying additional finance charges on your pumhaso balance, pay the total now balance of x'.9,320.07 by 03/1449: Any cash balance or balance transfer balance W confinue to accrue daily interest untN the date your payrnent is rooslved. Payments 02110 02/10 0000 PAYMENT THANK YOU .................................................... 200.00 CR and Cred/ts Purchases, 02/17 Advances, Debts Finance Charges 02/17 Continued on Noxt Page 0.00 76.36 Please detach and send coupon with check payable to Cardmomber Service FWtan To chainge your address or for Cardrrerrber Service please cafl: 1-866-794-2137 Every Hour] Every Day! 000003751 1 AV 0.324 106481086440806 P ANNUAL MEMBERSHIP FEE ............................................. ""FINANCE CHARGE'''INTEREST ................................. 0047562116200095230000169000009320070 CRAIG HENCH SHEILA HENCH 9 KEYSTONE DR MECHANICSBURG PA 17050-1571 uilinrlnlJluulllrlurlPJ1'll"Il"rllllllll'lllllllllll'I P.O. Box 790408 St Louis, MO 63179-0408 '1111111'lllllyllllllullpphl1111'1111IN1llyllllildihdll Cardmember Service .^- ?. 1 RiltmBank FebruaryStatement for activity from Jan. 16, 2009 through Feb. 17, 2009 Inquirie3:1-866-794-2137 CRAIG HENCH and SHEILA HENCH ELN , 6711 Page 2 of 2 BALANCE TRAFAWER $0.00 $0.00 0.024630% VARIABLE $0.00 8.99% 0.00% N PURCHASES $9,320.07 $9,395.22 0.024630% VARIABLE $7636 8:99% 8.99% Y ADVANCES $0.00 $0.00 0.057506% VARIABLE $0.00 20.99% 0.00% N ff §f --------------- - - -- - - Tus Year stater"" to We Dewriptfon of Activity Net Rewards Points ....... ..................................................._..................................... 0 0 Net Rewards Points Adjustment . ............................................................................. 12 12 Total ................................................ 12 12 For rewards program inquiries and redemption information ad 800-657-8308 24 hours a day, 7 days a week or visit us at www.fultonbankoom to access your account Federal law requires us to give you a notice regarding negative credit reporting. Please refer to the reverse of your statement for this important notice. Bala nceShield can help take the sting out of unexpected events. An optional product, it cancels payments to your Credit Card account When you need help the most, due to a hardship such as unemployment, hospitalization or other covered event, BalanceShield will be at your side. For only 85 cents per $100 of your statement balance it will help safeguard your account payment history during tough times. ENROLL TODAY at 1-877-6941285. Each time you or a third oarty on your behalf, pays your bill by personal check, you authorize us to convert that payment into an electronic debit li: the_ check is processed electronically, the checking account will be debited for the amount on the check and the debit will appear on your account statement If you have any questions, please contact us at the Inquiries phone number located on this statement. By Telephone: Send Inqutries to: ® Send Payments to: By E-Mail: Every Howl Every Dsyl Cardmember Service Cardmember Service visit our web-ts: Voice: 1-866-794-2137 P.O. Box 6354 P.O. Box 790408 myaocountsocess.oom Too: 1-888-352.6455 Fargo, No 58125-6354 St Louis, MO 63179-0408 Fax: 1-868-616-1750 End of Stalament VERIFICATION ROBERT M. KLINE, ESQUIRE, being duly sworn according to law, deposes and says that he is an attorney with Eric M. Berman, P.C., attorneys for the Plaintiff, and as said attorney he is authorized to take this verification on its behalf, and that the facts in the foregoing pleading as set forth therein are true and correct to the best of his knowledge, information and belief. I verify that the statements made in the within instrument are true and correct. understand that false statements are subject to the penalties of 18 Pa C.S.A. Section 4904 relating to unsworn falsifications to authorities. Dated: f/f,/,p ROBERT M. KLIN, ESQUIRE Our File No. 379653 ATTORNEYS FOR PLAINTIFF ERIC M. BERMAN, P.C. BY: ROBERT M. KLINE, ESQUIRE IDENTIFICATION NO.: 56479 500 NORTH GULPH ROAD, SUITE 350 KING OF PRUSSIA, PA 19406 (484) 690-3900 -----------------------------------X U.S. BANK NATIONAL ASSOCIATION d/b/a ELAN FINANCIAL SERVICES Plaintiff, VS. CRAIG HENCH and SHEILA HENCH Defendants. -----------------------------------X CERTIFICATION OF SERVICE COURT OF COMMON PLEAS CUMBERLAND COUNTY CIVIL ACTION No. 10-4666 I hereby certify that on this date I served a copy of the foregoing Amended Complaint by regular first class mail, postage prepaid, upon the following: Peter J. Russo, Esquire 5006 East Trindle Road Suite 100 Mechanicsburg, PA 17050 Dated: August 2010 ERIC M. B RMAN, P.C. BY: 11/ ROBERT M. KLINE, ESQUIRE ATTORNEYS FOR PLAINTIFF FILED--U -r - LAW OFFICES OF PETER J. RUSSO, P.C. r Tt'`` ' ATTORNEYS FOR DEFENDANTS 3; 1 5006 EAST TRINDLE ROAD, SUITE 100 ` ' - MECHANICSBURG, PA 17050 (717) 591-175_`' -PHONE CU"J hTY 1 ^- ?? r1'LJi?S (717) 591-1756 - FAX US BANK ASSOCIATION DB/A ELAN : COURT OF COMMON PLEAS FINANCIAL SERVICES : CUMBERLAND COUNTY, PENNSYLVANIA PLAINTIFF IV. : CIVIL ACTION - LAW CRAIG HENCH and SHELIA HENCH NO. 10-4666 CIVIL TERM DEFENDANTS : JURY TRIAL DEMANDED NOTICE TO PLEAD TO: US BANK ASSOCIATION DB/A ELAN FINANCIAL SERVICES c/o ROBERT M. KLINE, ESQUIRE You are hereby notified to file a written a written response to the enclosed Defendants' Preliminary Objections within twenty (20) days from service hereof or a judgment may be entered against you. Respectfully submitted, ES O ER J. RUSSO, P.C. Peter J. Russo, Esquire Attorney ID No. 72897 Elizabeth J. Saylor, Esquire Attorney ID No. 20013 5006 East Trindle Road, Suite 100 Mechanicsburg, PA 17050 717-591-1755 Date: ? ? Z l l D LAW OFFICES OF PETER J. RUSSO, P.C. ATTORNEYS FOR DEFENDANTS 5006 EAST TRINDLE ROAD, SUITE 100 MECHANICSBURG, PA 17050 (717) 591-1755 - PHONE (717) 591-1756 - FAX US BANK ASSOCIATION D/B/A ELAN FINANCIAL SERVICES COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PLAINTIFF V. CRAIG HENCH and SHELIA HENCH DEFENDANTS : CIVIL ACTION - LAW : NO. 10-4666 CIVIL TERM : JURY TRIAL DEMANDED PRELIMINARY OBJECTIONS OF DEFENDANTS CRAIG HENCH AND SHELIA BENCH TO PLAINTIFF'S AMENDED COMPLAINT AND NOW, COME Defendants, Craig Hench and Shelia Hench by and through their attorneys, Law Offices of Peter J. Russo, P.C., and file the within Preliminary Objections to Plaintiff's Complaint, and in support thereof, avers as follows: 1. On or about July 15, 2010, Plaintiff commenced an action against Defendants by filing a Complaint in the Court of Common Pleas of Cumberland County, Pennsylvania. 2. Plaintiff's Complaint purports to set forth a single cause of action against Defendants sounding in breach of contract. 3. Defendants filed Preliminary Objections on August 2, 2010 to Plaintiff's Complaint. 4. On or about August 20, 2010, Plaintiff filed an Amended Complaint in the Court of Common Pleas of Cumberland County, Pennsylvania. 5. Plaintiff's Amended Complaint again purports to set forth a single cause of action against Defendants sounding in breach of contract. FAILURE OF A PLEADING TO CONFORM TO LAW OR RULE OF COURT and INSUFFICIENT SPECIFICITY IN A PLEADING - PA.R.C.P. 1028 6. Paragraphs 1 - 5 are incorporated herein by reference as if fully set forth at length. 7. Rule 1019 (h) and Rule 1019 (i) of Pennsylvania Rules of Civil Procedure requires that when any claim or defense is based upon an agreement and if the agreement is in writing, it must be attached to the pleading. 8. The allegations set forth in Plaintiff's Complaint assert that Defendant owes a sum specific of money to the Plaintiff, specifically $10,477.02. 9. Plaintiff does not attach "a true and correct copy of the total due and owing." 10. Plaintiff fails to attach the contract between the parties and is therefore in violation of the Rules of Civil Procedure. 11. In. a credit card suit, a creditor must "attach the writings which assertedly establish [the creditor's] right to a judgment." Atlantic Credit and Finance, Inc. v. Giuliani, 2003 PA Super 259, 829 A.2d 340, 345 (2003). 12. The Plaintiff has failed to "attach the writings which assertedly establish [the creditor's] right to a judgment." 13. Rule 1019 of the Pennsylvania Rules of Civil Procedure requires that a plaintiff shall (1) set forth the material facts upon which a cause of action is based and (2) attach the writings when a claim is based on a writing. 14. Whenever a claim involves one period of time in which the initial terms and conditions of the credit card agreement apply and other periods of time in which amended terms and conditions apply, the plaintiff must attach to the complaint both the original and amended terms and conditions with the dates on which they are applicable. Worldwide Asset Purchasing, LLC v. Stern, 153 P.L.J. 111 (2004). 15. A complaint in which a plaintiff seeks recovery of a specific amount of money that is allegedly due must include documentation or allegations supporting recovery of this amount sufficient documentation to permit a defendant to calculate the total amount of damages that are allegedly due by reading the documents attached to the complaint and the allegations in the complaint. Worldwide Asset Purchasing, LLC v. Stern, 153 P.L.J. 111 (2004). 16. Plaintiffs Complaint is insufficiently specific because it does not meet the requirements of Pa. R.C.P. 1019(a) and (f). 17. Plaintiff avers that Defendants owes $ 10,477.02 for charges made under a credit agreement with a credit card yet does not attach anything showing such information just statements with carry over balances plus interest and late fees. 18. Pa.R.C.P. 1019(f) states that "[a]verments of time, place and items of special damage shall be specifically stated." 19. Plaintiff has failed to comply with Pa.R.C.P. 1019(f). 20. Defendants believe therefore aver that the obligation Plaintiff seeks to collection has been assigned from the original creditor and Plaintiff has not attached an a true and correct copy of said assignment. 21. Plaintiff failed to state specifically whether said alleged assignment was oral or written, in violation of Pennsylvania Rule of Civil Procedure 1019(h). 22. Plaintiff failed to attach the alleged assignment to the complaint, in violation of Pennsylvania Rule of Civil Procedure 1019(1). 23. Because Plaintiff is not a real party in interest in this matter, it lacks capacity to sue, pursuant to Pennsylvania Rule of Civil Procedure 2002(a), which requires that all actions shall be prosecuted by and in the name of the real party in interest. WHEREFORE, Defendants respectfully request that this Honorable Court SUSTAIN the Preliminary Objection and strike :Plaintiff's Amended Complaint. Respectfully submitted, TER J. RUSSO, P.C. Peter J. Russo, squir - Attorney ID No. 72897 Elizabeth J. Saylor, Esquire Attorney ID No. 20013 5006 East Trindle Road, Suite 100 Mechanicsburg, PA 17050 717-591-1755 Date: L 2- ?? l.-0 LAW OFFICES OF PETER J. RUSSO, P.C. ATTORNEYS FOR DEFENDANTS 5006 EAST TRINDLE ROAD, SUITE 100 MECHANICS BURG, PA 17050 (717) 591-1755 -PHONE (717) 591-1756 - FAX US BANK ASSOCIATION D/B/A ELAN FINANCIAL SERVICES PLAINTIFF V. CRAIG HENCH and SHELIA HENCH DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW NO. 10-4666 CIVIL TERM JURY TRIAL DEMANDED CERTIFICATE OF SERVICE I hereby certify that I have on this day served a true and correct copy of Defendants' Preliminary Objections to Plaintiff's Complaint upon the following persons, in the manner indicated: FIRST CLASS MAIL Eric M. Berman, P.C. 500 North Gulph Road Suite 350 King of Prussia, PA 19406 THE LAW OFFICES OF PETER J. RUSSO, P.C. Attorneys for Defendants BY: l r 'U "C., Q c l Ashley Malcolm., Paralegal Date: GORDON & WEINBERG, P.C. BY: FREDERIC I. WEINBERG, ESQUIRE Identification No.: 41360 JOEL M. FLINK, ESQUIRE Identification No.: 41200 1001 E. Hector Street, Ste 220 Conshohocken, PA 19428 484/351-0500 1'3 7 - 211812 ` `^ ° 04 f OCT Pry /: 20 WI!7DAYLMANIA U.S. Bank National Association ND d/b/a Elan Financial Service VS. Craig Hench Sheila Hench and COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. : 10-4666 Civil ENTRY OF APPEARANCE TO THE PROTHONOTARY: Kindly enter my appearance on behalf of the plaintiff in the above-captioned matter. GORDON & WEINBERG, P.C. BY: FREDEMRIC EINBERG, ESQUIRE JOEL LINK, ESQUIRE Attorn.y for Plaintiff P012 CERTIFICATION OF SERVICE I, JOEL M. FLINR, ESQUIRE, hereby certify that I, on the date below, served a copy of the Substitution of Attorney and Entry of Appearance Pursuant to Pa.R.C.P. 1028(c)(1), via First Class Mail, postage pre-paid, to all other parties or their counsel of record. JOEL A F K, ESQUIRE Dated: It 1Cr- // IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW US BANK ASSOCIATION D/B/A ELAN FINANCIAL SERVICES Plaintiff vs. CRAIG HENCH SHEILA HENCH Defendant(s) Civil Action No. 10-4666 CIVIL PRAECIPE FOR ENTRY OF APPEARANCE To the Prothonotary: Enter my appearance on behalf of Plaintiff Papers may be served at the address set forth below DATE: A7 V12,11 KER & ASSOC 1 'TES, P. C Attorneys for Plainti A Law Firm Engaged in Debt Collection Jonathan P. Cawley, Esq PA Bar Id No. 79884 500 Office Center Drive, Suite 400 Ft. Washington, PA 19034 877-297-1183 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW US BANK ASSOCIATION D/B/A ELAN FINANCIAL SERVICES Plaintiff vs. CRAIG HENCH SHEILA HENCH Defendant(s) To the Prothonotary: Civil Action No. 10-4666 CIVIL PRAECIPE TO DISCONTINUE Please mark the above captioned matter Discontinued without prejudice. DATE: May 21, 2014 ICKER & ASSOC,YATES, P. C Attorneys for Plaintiff A Law Firm Engaged in Debt Collection Jonathan P. Cawley, Esq PA Bar Id No. 79884 500 Office Center Drive, Suite 400 Ft. Washington, PA 19034 877-297-1183 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW US BANK ASSOCIATION D/B/A ELAN FINANCIAL SERVICES Plaintiff vs. CRAIG HENCH SHEILA HENCH Defendant(s) Civil Action No. 10-4666 CIVIL CERTIFICATE OF SERVICE I, Jonathan P. Cawley, Esq., certify that on May 21, 2014, I served a copy of My Entry of Appearance and Plaintiff's Praecipe to Discontinue by first —class United States mail, postage prepaid, upon the following: Peter Russo, Esq 5006 East Trindle Road, Suite 100 Mechanicsburg, PA 17050 WICKER & AS CIATES, P. WICKER & AS CIATES, P. C Attorneys for P intiff A Law Firm Engaged in Debt Collection Jonathan P. Cawley, Esq PA Bar Id No. 79884 500 Office Center Drive, Suite 400 Ft. Washington, PA 19034 877-297-1183