The URL can be used to link to this page

Home My WebLink About10-6393 YOURREWARDS Carryover 5112 points: Plus pas 0 earned: Plus bonus 0 pas earned: Pts 2000 redeemed: Your new 3l 12 pas balance: Customer Service (Servicio a! Clients): 1.804-942-0739 Psymaa[ Address: Retail Services, Pt) Box 11264, Bakimore MD 2!297-1264 Mail Billing Inquiries lo: Retail Services, PC) Box 15521, Wilmington DE 19830-5521 Days in Billing Cyc{e: 31 Statement Date: O1 f i 112009 PAYMEMI' DUE DATE TOTAL MINIMUM PAYMENT DUE NEW BALANCE PAST DU6 AMOUNT AVAILABLE CREDIT OZ/93J2009 $194.04 $4,d38,d0 54.90 $2,961.64 THANKS FOR $EINC A GREAT C1iSTOMER. WE HAVE INCREASED YOUR CREDIT WM]T TO S 7,~lQ00 Please see revere for important dltelesurea, lncladi+st< ice perlsd lnformetbn. Ta avoid flnnnce charRef on your next statement, pay: 53,3!3.09 nsaction Date Transaction Dettu! Promo. TypefCredit Plan Amount ~ 12!12!1:008 Pltivious l3alance ............................................................................. $2,084.42 1212311:008 Purchase, Camp Hill PA .................... Regular Purchase .........,..,, $217A4 I Dtc 12232008 Str 003! Reg 0003 Tm 09282 ~ Misses Coats Mns Season! Access 12/2312008 Purchase, Camp Hill PA .................... Regular Purchase ............,.5212,'73 Dte 12232008 Str 0031 Reg 0017 Trn 04758 Casual Hosiery Fashion Access Ms Victor Aifaro t2/231ZD08 Purchase, Camp Hill PA .................... Regular Purchase .,.,........,... $50.00 Dte 12232008 Str 0031 Reg 0026 Tm 03461 Bona Gift Cards 12123!2008 Purchase, Camp Hill PA .................... Regular Purchase ..............5143,]0 Die 12232008 Str 0031 Reg 0026 Tan 03462 Mans Fragrance 11Vomens Fragrance 12123/2{)08 Purchase, Camp Hi11 PA .................... Regular Purchase .........,.... 5260.73 Dte 12232008 Str 0031 Reg 0038 Trn 01203 Pads/Dawn Comfortr Designer Bedding Page j of 3 0! 110037062 Please return roupon below with yotrr payment. ~ Customer Service (Servicio a1 Clients); f •800.942-0734 ACCOUNT NUMBER NEW 9ALANCE PAYMENT DUE DATE RECOMMENDED MAIL DATE TOTAL MiNiMUM PAYMENT DUE 2116-0419-0849-0104 S4,438.40 02!0312009 01/23(2009 x194.(!0 "' ENCL06ED$ DCDL._1L_J-DD ,IAME3 ELDER MORRISOIV OOZ! I Please complae using black or blue ink only. SHERI A MORRISON Make chocks payable to RNail Services. Include 39 E SLATE HILL RD yaw account number on your cluck ar money order, CARLISLE PA 17UI3-9617 RBTAlL SERVICES Pasox t~zsa BALTIMORE MIR3247 -1264 New Address, Phone Number ar E-maH'? Please check /F2! 297! 2b464bF1 ~+1 O~ the box and enter your new information on n:verse side. 00443840000194000011604104899010 02114 B~~i~~~ Custatla<trer Service (Serviclo al Clients): 1-804-942-0739 Payment Address: Retail Services, PO Box 17Zb4, Baltimore MA Z1Z97-1264 Mail Billing inquiries b: Retai! Services, PO Box 15511, Wilmington DE 198505521 Days in Bitting Cycle: 31 Statement Datc: 01/11/2009 1NFDRAIATIQI) ABQUT •W!R ACCDiI!!T fi Cats of Ertort a gtrettlortt Abort your BN(: if you mdtrk your bid is wrong, a if you need mae infomladan about a transaction on your biA, write us on a separate sheet at the WNng inqurry address gated on the front of orb bgt n soar as possibk.lNe mtrst hear from you rlo later chart 60 days after we sem you me grst bW on wtrlcfr fire error a proDtem appeared. You can teSaphorte us, taut ddng ao vvitl rqt Presen'e your rights. In your letter, please provide the foaowing intamedon: • Your name antl ecCOtmtnumt>er. • The dollar amount oS the suspected errs. • Deecrt3e the arts and exufaki, it you can, why you bal+ave there is as error. y you need more IMOtmatlon, descnbe tire Item you ors urittrre aDeut You do not have tp pay any amount In question white we are investigating, txd you are stiN otHigated bpaYt~Partsofthe bylthatarenotlnquestion tiyhllawe krvestbate yourquestlon, ore cannot report you err delmquem a take any acdon k cogect the amoum yarn question. Special RuM for Cradq Card ihrrchates T you have a problem with the qualRy of the goods a seMCea that you Pun:tlated with a credit yard, ttrd you have tried in good talm to cared tlra problem with the rtreretrard, you may not have b pay Iha remaining amount due an tits goads a services. Yal have ttris ixolection Dory when lice purchase price was mae than 350 and the purchase was made in your home 8hte a wimkr 100 mike of your maigng address. tK we awn err operate Kra merchant, or ii we milted you the udaerusement for me properhr a servkea, aN purchaser tiro covered rogardlaes of amorttt a ktcatfon of purchase.) Inaccurate brfomlaBtrC lE anY speclt'k trlformation related to your account, fransacgvne a aed{t experience whh us is 1n~curate, you may notify ua azrd request us to cared me inaccurate hmrmabal Softer conOrmatfon of me ahaged errai reported to any aedlt reporting atlem.Y by writing to us at me bgling kiqurry adttrcss itsaed on the hvrtt of ttvs bill as soon as poaslbla. ttraoa PYrfod Nrfannatfon: Tv avdd additional finance cfiargea, pay by dye Payment Due date indketed On tfre front d your DUNnp statement 1) the New Baiancea of your Regurar acrd Reduced flak Credit Plana. plus 2) die New Balance of am Soma Ar Cash a Watered Firrartce Charge Credit Ran that eras axpred a met wig akplre lrt the currant bgtlry cycle, pros 31 any Minimum Paymazrts due onartrarexpiradSameAaCaah orN(aivedtRrrerroeCtrarge CredhPtarr. NoUoe of Nepatlw Credtt Raportlrq: Ills rosy report informatlort about your accvrrnt to credp inlrattrrs. i.ate payments. missed payments, or other dNau ik on your account maybe ratlected In your credit report. BALANCE SUBJECT TO RNANCE CNARG~ (9) finance Charges, whktl are pert of She interest on yourAccourd,are calctdetsd separatsty for each Promotional Credh Plan and each Regular Credit Ran (each a "Crodit Plan"). Promotional Credit Rana with difterer-t prarwtlorlal due dates a terms tiro treated as ditkrent CredR Piens fa tics prrpoae.Tha balance sutNeet to FkianCe Charger on a CradiE Pgrl b me Deiy Balance. "Bitted Deferred Ftrlanoe Charges' shown on misstatement aze Finance Chttges imposed during dry 4Mitrg Cyde txwered by fhb statement an Da{ty Bafancea of a promotional Credit Razr from Cta transaction date of me purchase mrotgn die Pranvdan fxpiraliort Data. "Bided finance Charges' era Fkteulce Ctrerget knpoaed durkrg tfre current bigfng cycle tar Oa11y t3a'ances m me clrrerte ~- ib)Tha "Dally Balance' of a Credit Plen is determined by taking the openirp balance of the Cretlh Plan Ior that day, and adding 1) any new purchases made on the Credit Plan that day, 2) me prevtoua day's Finance Charges, 31 arty aedit insurance premiums or debt Cancellation Ieet (if ap4NCahk! insured vn that day and ~}any rate fees, overgmit fees, returned cheek fees a o4rer fees inctxred on that day and subtracting any peymertta or aedlts applied to the Credit Plan that day. Far arty Same As Cash Credit Plan, credit hlswanca pravdums or debt canrxliagat tees pt applicable) tiro not krctudad In the Oayy 9almce o1 that Gedit 1'lerr during pre promotional perbd.ll a puchase on a Gadh Plan potty after the beginning of a biHlnp cycle, but the transectlon occurred prta co the beginning o1 111a htlling cycle, the arncunt of the transaction plus related Flrence Charges autstarWYq on each day ham the transaction date until the fleet day of the Dilikg Cycle in which the transaction pools will be added to the Deity Deiteve of the Gedt Plan for tits Shat day of the billing Cyde in which iM Uatrsactlon posts. {c)An Average Dally Balance N rtetarmined Dy adding the Daily Balances for a Credh Ran and dividing DY ttre rwmber d days in fha apptiwbla tilgrrq Cycle, Poriotlk Finance Charges to a Credit Plan may be determined by applying the Dally iserlodk Rate tv an ampunt equal m ilia Average E>eiq BetanCe of the Credit Plan tines the number of days In me DIMng Cytta If your Accowrt hat t vaHtbN ratr, Yevr AtMrutt Prrcerrttge Rate ono DaNy Perloolc Rata may vary. ADDITIDNAL IN~ORM11T10M PayoratKfi N{ PaymaTta must tro by check a money order dravm in tt.S. dollars an hods on deposit lrt the U.S. Payments received after 3 p.m., local t1me, wyl be credited 1o your account tie of me next day. It your check b rstumed unpeM by your bank fa Irisufflcknt horde, we may ra-fxesant your cheer eMeotmnicapy. fly scardtng us a check for payment on your aCterult, you autnonze us either to use inlamation from your chedr m mttL4se an etecirsnic fund Franalar from your account aecattnp to the tams d firs check or to p-ocrrse fhb traneactlon as a Gleck When we use your check m make an alectronk land transfer, funds may ba withdrawn iron your octant the same day 'tie receive your payment, acrd you will na recBlVe you' Check beck from your Dank. it yqr d0 not want your CheCk3 !p be converted to an electrartic Iund transta, pieare cog Customer service at the phone number On me front of this bilgng statemem. Accpart Balance: ALL OR ANY POHflON DF THE BALANGE OF YOUR AGCOUM htAY BE PAID ATANY TIME HeaAng impetred: tt you era hearing impatrad, colt fielecommunicattare Devices 1a me Deaf(TDD/TTYJatf-B00-216.1033. NOTICE7DTEXAti ftEb~ENTS:The tndebtedneasto wbloh arty monYYy Insurarroa rats thorvrr on year errdtt and appNettlon tppb Is the BtlatlGe dad~rct tb tRrlrrrer Cher sttorvn olr 11N Ilmrt of this rtatenrNlt, rrhkdr Is the Average Dally tialana. The t7ba era tppgrd on tlrr ittt dry M the yxfa bRitng pMbd ad cover t tSNDttq period wIBCh may oeadilt tram 28 m 31 days. You w(D be notl(itd d arry brernae In tM roonlbtyr intunatca yarn at toast ono bwnp period m the efftCtlvr doer of art fncraattd rage. DebtCelMelton:Wetnretpriredlry law,Nappgoa6N„toa~ilyyrouthatrrtanatbmpihq SO otlMet t debt, elyd any IfllOnnsUan obtakred will be trod for tlpt purPae• p•r. P)Wllr) STMT 220E 109IOa1 ST11?T2 S 9B {08!02} To ensure ticcuracy, please point neatly using upper-case letters and numbers only IfyouYe filled in a new address, phone number or email, be sure to check the hvx on the reverse side ofthia payment Coupon. So,eerNvmber(irany) Stroe[Nameorthewords"POBox" UnirorPO&rxNumber DDDD D!DDDDDDDDDD DDDDD DDDDDDDDDDDDDDCDDDaD ZDDDD Emery DDDDDCDDDDDDDDD Home Phone Work Phone CDD~DD-DC~D DDDDD- DDD Customer Service (Servicio a1 Cliente}; 1-800-942~0T39 i'rymenr Addn;rs: Rctai! Services, Pp Box 47264, Baltimore MD 21297.12b4 Mai] Billing Inquiries t0: Retail Services, PO Box 65521, Wilmington AE 19SSD-5321 Days in Billing Cycle. 31 Statement Date: 01/1 }12009 nsaction Date Transaction Detail Protno.'Type/Credit Plan Amount 12123!2008 Purchaso, Camp Hill PA .................... Regular Purchase ................ $40.28 Dte 12232008 Str 0031 Reg 0039 Tm 0489Q Frames & Albums 12/2312008 Purchase, Camp Hil) PA .................... Regular Purchase ,............. $105.99 Dta 12232008 Str 0031 Reg 0039 Trn 04902 Sma11 Electrics . 12/261:2008 Purchase, Cacctp Hill PA ................._.. Regular Purchase ................594.16 Dte 12262008 Str 0031 Reg 0(102 Trn 07501 Misses Coats 12/26/2008 Purchase, Camp HiU PA .................... Regular Purchase .............. $454.43 Dte 12242048 Str 003! Reg 00(13 Tm 09b20 Mn Consensus Sptu7r Mans Wooltich 12f2bJ2008 Purchase, Camp HiR PA .................... Regular Purchase ................ 539.99 Dte 12262008 5tr 0031 Reg 0010 Trn 08$12 Updated Ms Shoes 12(2712008 Purchase, Camp Hi11 PA .................... Waived Finance Charge .. $1,238.08 Dte 12272008 Str 003 t Reg 0042 Trn 02157 Bedding EntertainlOffiee Ol/ll12009 Current Cycle Finance Charges ........................................................... $58.56 i2ti912008 Paymont Received-'Thank You ..............,....,...... ............................... -$561.57 01/11/2009 New $alance $4,438.40 Promotional Defenxd Promotion Expiration Date Payoff Amount_ F1IV_ANCE CN,tRCdS Promotiat Type OS/0212010 51,258.46 S0A4 Waived Finance Charge ,ota.r Finar>•ce charges will begin to acclve at the Regular credit plan APR if the Promotional Payoff Atnoumt(s) is not «ceived by oach Promotion Expiration Aate. ]nteresled In rmcoivia= coupoaa rind sak tnfOtn»atias via email? Just provide your ettoa0 address oa tre latek of your atstement remitttttuce slip and seed it id{ (Dote't forget to check the shaage-oFaddress box.) Promotion Vsriable F7NANC8 Typd Promdion Average Deily Card- ANNUAL HARGC9 Defert,ed Minimum Credit Purc!nase Expiration Prcvaus Daily periodic ponding PERCENTAGE at Periodic FINANCE New Payment plan 'Date Dare Balance Balance Rate APR RATE AL•R Rate CKAAGHS Balance Due Regrdar ' Purchase NSA N/A 51.734.81 52.JJi.83 0.07095°R 23.9091 23.90% 33!.73 NJA 78 32.898. 581.19 aamat ~~ Purchase _._.__ NIA NIA 8114.14 5302.02 0.07095'/. 25.90% 25.9W 56.64 NIA 5300.94 59.64 eannln Rcgaia Pwchuc NfA N/A 513.9T 58.60 0.07093a~ 23.90Y. 23.90% SO,l4 NfA 50.60 SD.OD aarasor Waived Finance 12/17708 OIIlr21i0 50.00 SO GO OA709575 25.9095 5000 NIA 51,238.08 5107.17 CMrYe iseoea Page 2 of 3 Ol 110037042 Account Ntunber: 2l 16 -0410 -0899-Ot04 ~~~`~~~ Customer Service {Servicfo al Cliente): 1-800-942-0739 Paymen[ Andress: Retail Services, PU Box Y72b0, 8altimae MD 21297-126 Mail Billing lnquiriesto: Retail Sorvias, PO Bost 15521, Wilmington DE 19850.5321 Days in Billing Cycb: 71 Statement Date: 0]11112009 This space intentionally left blank. Customer Service (Servicio al Cliente): 1-800-942-0739 Payment Address: Retail Services, PO Box 17264, Baltimore MD 21297-12b4 Mail Billing lnquirics to: Retail Services, PO Box ] 5521, W ilmington PE 19850.5521 Ueys in $ii4ing ~cle: 31 Statement Date: Ol/11~2D09 PaIIe 3 of 3 O I 110037062 Account Number: 2116 -Q410.0899-0104 ~~~ ~~~ Customer Service (Servicio al Cliente}; 1-800-9d2.OT39 Payment Address: Retail Services, Pb 8ox 17264, Baltimore MD 21297-12b4 Mail Billing lnquiriea Io' Retail Services, Pb Hotc 15321, Wilmington DE 19850.5521 Days in Billing C}~cle: 3 I Statement Date: 61(11f2409 This space intentionally !eft blank. soraanl~l ,~yw, ~~~, ~C'~tTtwSt>wr Customer Service (Servicio st Cliente): 1-800-365-0492 Payment Address: Hsbc Retail Service, PO @ox 17264, Baltimore MD 21297.1264 Q~t'~M1AIYtM Q~N~YI!!IY^ ~l~Ittt~eY ~'~ Mail Billing Inquiries tD: Retail Services, PO Box 1552!, Wilmington Dl? 14850-5521 pays in 13i11ingCyctc: 3l Statement Date: fl911 V2009 To evold tlutttta cAarges on your next statement, pay: SS,b43.76 Date Transaction Detail Promo. TypelCredit Plan Amount 08/12/2009 Previous Balance ............................................................................. $5,488.51 09/1112009 Current Cycle Finance Charges ......................................................... $122.25 09!03/2009 Lase Charge Assessment .................................................................... $35.00 0911 I/2009 Ncw Helena $S,b43.76 Track spending & pay your b111s online. Secure replatratlon at: gv.hnaceount,comiboutan Promotion Vuieble t71t4ANCL Typal Promotion Average Daily Coma• ANNUAL CHARGES De&rred Minimum Credit Purchase Pxpintion Previous Daily Periodic ponding PERC$NTAGE at Periodic FINANCE New Payment Plan Darr Dace Balance Belenee Rata APR RATC(APR Rota CHARGES Balance Due Regular Purchase NIA N!A 53,686.55 53,728.08 0.4TQ9S46 2S.40Yo 25.90'.6 S82.Ot N/A 53,170.36 5874.11 aoeor-or Re~jular Purchase WA NIA (338.64 5342.27 .07095% 25.9046 25.90Y. S7.55 NM !346.17 580,53 aatot.nt Regular Furthers WA N1A 5223.83 32J6.42 0.117095% 25.40% 25.90% 55.20 NJA 5264.03 5264,03 gNafFar Rcbular Purctaue NIA NIA 51,237,49 j1,2S0.75 .07095% 25,9(I•h 25.9Q•/. 517.51 N1A j1,16S.D0 (408.33 onio~G Page 1 of f 09110026388 Please return coupon below with your Qayment. Customer Servke (Servtcto tit Cliettte): 1-1100-365-0492 aw.lswr oltli~~a- atl.a.. ~1 ACCOUNT NUMBER NEW BALANCE PAYMENT dUE DATE RECOMMENDED MA[L DATE TOTAL MINIMUM PAYMENT DUE 2116 -0410 -0899-0104 35,645.76 10/0512009 09/242009 Si,631.00 EN L OSED,D LJC~~L~k_._i-L_.1L_J .lAME3 ELbER MORR130N 00211 Please complete using black or blot ink only. SHERI A MORR180N Make chocks payable to Retail Services. Include 30 E SLATE ffiLL RD your account number cat your cheek or money order. CARL{SLE ~A t70t3 -9617 HSBC RETAIL SERVICES PO $OX 17264 BALTIMOREMI$1Z97-1264 ~~~ New Address, Photo Number or E-mail? Please check /F2 i 297126d646F/ the bon and enter your new ininrmation on ttve:rae side. 005645760016320000 11604100$99012114 I Please sea reverse for impertaat disebaurarieeluding Sraee period intartmtlon, ap+t+<roN ~'~ttr- O'rJefN'wSllta• ~lG~rrrPritrSerlr 4F.~fdlr-'EleasaMa ~J1Wat~W- 4fr fk~l5~#11 Customer Service (Servicio al Ciiente): 1-800-365-0492 Payment Address: Nsbc Revell Services, PO Box 17264, Helrimw'e MD 21297-12b4 Mail Billing inquiries to: Rctsil Service, PO 13ox 15511, Wibtrington DE 19aS0-5521 Days in Bil{ing Cycle: 3l Statement Dail;: Q9l1 S/2t1O4 1NFURMAT{QN AB0UT YpUR ACCOUNT N Cans Of Errtxa a Quuparra About your BIB tt you think your big is wrong, or if you need more IrdamaUar about a iralrsacti0n on your big, wrlllr us at a separate wheel at the OBtirtp Inquiry address ibted on the front trt fhb biA as soon 6EI posaiDle. We must hear ham tau no later than fi0 days attar we sent you the ftrst big on snAtkh the errs a problem appeared. You can telephone us, but tloetg s0 wgl not proserve your rights. In You tatter, please provide the fOlbwirtp ittiamation; • Your name arM! acCpurrt rtumbe- • the dogar amount of the suspected errs. • pesCribe the errs and explain, tt you can, why you believe there is art amx. tt You need more irriormation, describe the Item you tiro unsure about. You d0 not have t0 pay anY amotmt in question whits Nre era irtvestigatirtp, twt Y~ era still obJigatad b paylheparta d gtaWdthatarenpistgtrestlOn.Whileaeeintresegate y0wgtresdat, we cann0i ropCrt you as deiinqutn! a take any acdOn to collect the arrtouM yar questbn. Spacial RuN far Qaal Card Purrirsaes: tt you have a lMOblem with the quality of the goods or seMces that yes purchased with a credit card, and ynu have triad M goad fanft b correct the grotttem vviNt the merchant, YW meY ~ have to pay tl+e romalMng amourd due on the goods a services. ibtr have this prateCtion any when ilia purchase prge was rose Aran SiSQ and the purchase was made in your hams state a within 1 OD miles a your mailing address. (tf ova own a operate the merchant, a if we maNad Yau the adverflsemerd for the pmpeRy a services, all purchases era covered regardteas of amount a lOCatiorr of purtTlase.) Ieraeeunb hNormatloa: p arty specihe information related to you acc0urd, Vansaedona a credit exixrienCa with us b inaccurate, you may noflty us and request us W cortect the inaccurate infamralion (ails eonfirrtratim M ifte ageged ertar) ropaied b any aced! reporting agency by uvritfttg b us at fie blKfnp squirt' arldross Osted on the tYont of dtb big as soon as possttJte. Brace Parbd InterxreMon: To avoid additional Mance charges, paY by the Payment Dire date ktdk;aUeo on the front of You dntrq statemerd: tl the New Hatettces of your RagrAar and ReduCetl Rate Gedit Plats, plus 21 the ttlew Balance Of any Same As Caslt or Waived Brenta (21arg8 Credit Plan tlrat has expired Or brat vAll expire ht the gMrent blttmg cycle, plus 3- any Minimum waymema due On an unexpired SameAs Caeh a yyaivedRttanceChargaCrodAPlan, NtrtMle of Neyatlvs GsAS fleporllnp: We may report )ntormatlon about your accamt to croon trtMMetius. 4ate paymana, missed paymenb, or other deraulte on your aceouM may be reflected in your ae+ilt report. BN.AIICE 8t18dECT ZO RNdU~ICE CtIAREiEB (s? Financa I~rarpee, tnttidt are part of the Interest an yolr Account, era t~lculabd eeparatdy for each Prortgeonal Credit trlert and each Regular CredR Plan (tech a "Gredtt Plah'~. Protrationat Credit Plans vrRh dffererlt prorttotlorul due dates a terms tMe treated as ddferent CredR Rana for tlNa purpose. the bakurce sutr~sectto Fltrent:s (Xrarpea at a CrsdR Platt is the Daily Balance. "9lted Deferred Fstarrcg Charges" sharm on this atatemem era flnartee Charges tmppsed durlrg die bNUng cycle covered by thb staterrtant on Decry 8aknces of a prorrrodarrel CradK Pla+l from the tranaactiort date of !fro ptxchaaa through tf>e Promotion Exptrailan Dab, "BiNed FkranCe Charges" are Finance Charges imposed during the raxrtrni biAtttg cycle for Dally Babxrces in 1he~ currard cycle. Per. tLarar) (bJtha "Oatly Aalance" a! a Credit l>!an is determined by takMg tl+e opening balance of Ste Credit Plan for lttat day, and add'mq f) arty new purchases made m the Cradif Plan that tlay, ~ the prerlals daY's Fnance Charges, 3~ any oredlt lrlsuranca promiuma or debt cahcegation fees {if applicable? bcurred on that daY and 4) b1Y Idle fees, o+erhmrt teas, reWmed cheat fees a oilier fees incurred on that day and subtractsq arty paynterrffi a Credits applied to the Credt Plan that day. Fa arty Same As Cash Gedt Plan, credtt inarrartce premiums a debt cancelfalfon fees (If appllCablel are eat krCluded in the DnYy Balance OI tl1aE Credt Plan during Itro prOmOtbnal period. tt a purchase on a Credit Plan posts, after ere begsrring Of a bfging Cycb, but the transadbn aarnrod prior to the Degfnrlarp of the bitting tycie, the amettm at the irarraactlon plus related Finance Charges otdatandlnp on each day from the traneectiar data tmtg the first day Or the billkrp cycle fn whkh lfle (rarffia0tdal goats vAn be added Do the Dagy Betartce of the Cfetfit Plan far tits (Mil day of ilia btlllrp cYCle in which the traaaaction pasta (c1 vidng bey ire number of days~in qre app(f p~blde Mltirtp c~ys~leBsPertod~c Flnan~Charges for a Credt Plan may be tbetermirted by appMng the Dalryt Pedodre Rate b art amount equal m are Average Dety+Bafartce of tint CredR Plus lanes die rtumtrer of days ro tJro trtllrlg CYtie. If your lloocurrt Ma a radabk rW, Your AMawl Pancentape Rata and 1kIRy raHOdlc Rate rosy vary. ApO1T10MAL MtF0R1AATM)N PayrMrrtu Atl payments must be by check ar rrroney adx drawn In US. dollars on funds on deposit in the U.S, PaymerKa received after 3 p.m., kxart pme, wilt ba tx+edtted to your accotert as of the nett day. iI yotrr check b returned urtpald by your bank to HrsufflGsh# funds, N1e may ra-present your check ebcttoniCatly, By sending tta a check tar payment on your eocount, you autltatze us either to use infOrrtrutbn from your check t0 Inhiate art electronic fund transfer irate Yotf acr~trrlt aeeordinp ttl the terms of lire check a to prtxxas this traneactlon as a ctreck. yNtert we tree y0tM Checlr b make art etectronlc fund transfer, funds may Oe wiihdrarvn from your account the same day wa recerre your payment, and you wNl not receive yaw heck back tram your bank. N you do not ward your ctiedca to be corrverted iD an alectroric Fund tranaiar, please cos customer service at the phone nwnber On the front d this bd+dng statarnent, il5couat Hehrrw; Alt DR ANY PORTION OF titE BAt.ANCE OF YWR ACCOUNT il>tAY BE PAID aTauYtiule. )tearing anQaksd: N you erg hearing impalrad, call Telacotnmunkahans Devices for the Deaf (TUDliiY) at t •800.216-t 033. N1ltICETDTt7tAS R48lOi;NTS: Tara Indebbdnesa to whloharty nronMlly Ilrarrarrca raMe alrcrwr sn yowcredlt card appBcaMotr atppht M Mrs Balnres Subl~ b Entrees tyrartoa aharwr o4 fha frarM of this siateanaR vuMch R lira AraraOe ~ Batarwa Tfa rates era aoeMed ca Mla IeN dW of !ha prbr bNlNrp Pad end corer a btlMnp period tvhletr msyr cartfaln from 2Blo 31 days. You w1N ba ndUiad of any krcreaae kt• Mrs rhoartldy araurance rtttai st fsaet one bpMhQ parlo0 so Mla efNctwe dsta of Mw Urcnaed rate. oafitCatfacMon:llyaanrauutredlrytsrr,MapplfcabN,tonotlfYYautlfatvwart atbmpYiq to oeMeat a debt, sad arq tniorrrretllott Cbiah+ed treMt be wed for Matt pupate. scar nor ateraer 3TMf219H (08!02) To ensare accuracy, please print neatly using uppetLcase letters and numbers only IfyvuYe filled in a newaddress, phone number or email, be sure to check the box gn the roverse side ofthia payment coupon. StreetNumberid'any) SaretNema or 01e words Rt) Box" Unior PO Box N•mber aaacac~ ~aoac~aaaa~ aaac~a ~aaac~aaacaaca~aoa Saoaaa~ Emei Home Phone Work Phone c~a~oa - ~~a aaa~aao - a~a~ CER']CIFICA'I'E OF PURCHASE I ALANA i~HOfVf~" hereby depose and state that: I am an Authorized Agent of CACH, LLC, a Colorado Limited Liability Company. 2.11s such, I am authorized to give this Certificate, and possess sufficient personal knou-ledge to do so regarding: Customer Name: JAMES ELDER MORRISON Original Creditor: HSBC BANK NEVADA NA Account Number; 2116041008990104 3. On or about P'~Tovember 3,.2009 this account `vas sold by the original creditor. CACH, LLC is the current owner of the account and purchased the account for good and valuable consideration. Da $y Sworn and .r~ab~~cribed to before nre tlx~~P 2 ~ LU14 day of , 2010. ~(- t Notary Public /--°~ .-'` ~.-. _ .. ~, ,. ~~' ~' y ,1 ~'. r :; ~: 'v ti~~•~'•'~! ~ ~~' •' Off` ~'`~. - P~ly C•ammissio~ ~ =_>,j~ir2s 03/1912012 CARDMEMBER AGREEMENT AND ADDITIONAL DISCLOSURE STATEMENT Term ID 080328 This document and accompanying Additional Disclosure Statement make up your Cardmember Agreement and Disclosure Statement and throughout this document are referred to as the "Cardmember Agreement" or "Agreement." The Additional Disclosure Statement contains important Account information including your Annual Percentage Rates (APRs) and the amount of any fees. Please take the time to familiarize yourself with your Agreement and retain it for future reference. Thank you for being an HSBC Cardme Agreement to Terms and Definitions Using Your Account Your Credit Payment Interest Rates and Finance Charges tuber. We appreciate your business. TABLE OF CONTENTS Account Fees Additional Terms Foreign Transactions Arbitration Account Renewal, Closure and Termination Other Information Credit Card Fraud Your Billing Rights Personal Information AGREEMENT TO TERMS AND DEFINITIONS This Cardmember Agreement and Additional Disclosure Statement as presently set forth, and as they may be amended, govern the open end line of credit we have established for you (your "Account"). We refer to these documents jointly as your "Cardmember Agreement" or "Agreement." "You" and "your" refer to all persons who applied for the Account or are contractually liable through any other means. "We," "us," and "our" refer to HSBC Bank Nevada, N.A. "Card" means any credit card, your assigned Account number and any other access devices issued under this Agreement. "Network" means Visa International, MasterCard International Incorporated, Discover F=inancial Services LLC or other governing credit card network, as applicable. You and we are bound by this Agreement from the earlier of the time you receive it or from the date of the first transaction, including, without limitation, the placement or posting of any Annual Fee or Periodic Membership Fee on your Account. You may close your Account before using it without paying any Annual Fee, or Periodic Membership Fee, if applicable, to your Account, when you call us within 90 days of your Account open date at the customer service number on the back of your Card. USING YOUR ACCOUNT Account Use Restrictions You agree to use your Account only for personal, family, household, or charitable purposes. You agree not to use your Account to make payments to us or to any of our affiliates. You agree to use your Account only for valid and lawful purposes. If your Account is used for any other purposes, you are responsible for such use and may be required to reimburse us and the Network for all resulting amounts and expenses. You are not authorized to use your Account for any Internet gambling transactions, even if otherwise lawful and enforceable. Types of Account Transactions You can access your Account using your Card or by other means approved by us to make purchases or receive cash advances. We may limit the dollar amount and/or frequency of any type of transaction without notice to you. Additional Cards You may request additional Cards on your Account for yourself or others and you may permit authorized users to have access to the Card or Account number. You are personally responsible for each use of each Card issued on your Account according to the terms of this Agreement. If you permit authorized users to have access to your Account, you must pay us for all charges incurred by those persons, including charges for which you may not have intended to be responsible. You must notify us to revoke an authorized user's permission to use your Account. If you do so, we may close the Account and issue a new Card or Cards with a different Account number. You are responsible to recover from that authorized user and destroy any Cards, checks and other devices that can be used as a means of accessing your Account. YOUR CREDIT Credit Limit The Card must be signed to be used. Whether you sign the Card or not, you are fully responsible for complying with all the terms of this Agreement, including the obligation to pay us for all balances due on your Account as specified in this Agreement. We will advise you of the total credit limit on your Account when we first send you your Card. All or a portion of your total credit limit is available for cash advances. Your total credit limit and cash advance limit may change from time to time. We will notify you of any such changes through your billing statement or by sending you a separate notice. If no separate cash advance limit is listed on your billing statement, then the amount of your credit limit available for cash advances is your total credit limit. You agree not to allow your unpaid balance (including Finance Charges and other charges) to exceed your total credit limit. We may elect to not extend credit if you have exceeded your total credit limit or if the amount requested would cause you to exceed your total credit limit. If you exceed your total credit limit, you agree to pay us that excess amount immediately. Your available credit for purchases and your available credit for cash advances may not reflect your payments for up to 14 days. Credit Authorizations Some transactions may require our prior authorization and you may be asked by the merchant to provide identification. We may not be able to authorize a transaction, even if you have sufficient available credit. We may refuse to authorize any transactions at our sole discretion. We will not be liable to you if any of these events happen. We are not responsible for refusal or failure by any merchant to accept or honor your Card, or if a transaction cannot be completed for technical or other reasons. PAYMENT Promise to Pay You promise to pay according to the terms of this Agreement for all: (a) credit we extend on your Account; (b) Finance Charges, and other fees and charges; and (c) collection costs and attorneys' fees to the extent permitted by applicable law. If your Account is a joint Account, each joint Accountholder is jointly and individually responsible for all amounts due under this Agreement regardless of death, divorce, other legal proceedings or any agr~=_ement that may affect liability between you. If any joint Accountholder requests to not be liable for future transactions, we may close the Account. Payment Each periodic billing statement you receive frorri us will identify a Minimum Payment Due. Minimum Payment Due Your Minimum Payment Due each month will kie calculated as follows: (a) If your New Balance is not more than gi15, your Minimum Payment is the New Balance. (b) If your New Balance is more than $15, your Minimum Payment is the greater of: (i) 1% of the New Balance shown on your statement plus the following: . any periodic Finance Charges posted to your Account during the billing cycle, . an amount equal to 1/12 of the Annual Fee, if applicable, or (ii} $15 (c) Any Past Due Amount shown on your statement will be added to the Minimum Payment. (d) At our discretion, any Late Payment Fee and/or Overlimit Fee posted to your Account during the billing cycle may be added to your Minimum Payment. Your Minimum Payment Due will be rounded up to the nearest dollar, unless doing so will cause the resulting value to exceed the New Balance. If a different payment calculation is applicable to your Account, it will be disclosed on the Additional Disclosure Statement. Recurring Transactions If you authorize a third party to bill charges on a recurring basis to your Account, we may (but are not required to) provide such third party with your current Account status, Account number and/or expiration date to permit that party to continue billing your Account. We may take such steps even if your Account number changes or if we issue a renewsrl or replacement card. To withdraw authorization for a recurring charge in such a case, you must notify the third party. If you default, if a card is lost or stolen, or it` we change your Account or Account number for any reason, we may refuse or suspend recurring charges; in such case you will be responsible for making arrangements to reinstate the recurring charge arrangement and/or for making other payment arrangements. Timing and Form of Payments You agree to pay at least the Minimum Payment Due, in time to be credited to your Account as of the Payment Due Date. Instructions for making payments are on your billing statement. For a payment to be credited to your Account as of a particular day, we must receive your payment by the date and time and in the manner specified in those instructions. If your Account is delinquent, you can avoid an additional late fee by paying at least the Minimum Payment Due amount in time to be credited to your Account as of the Payment Due Date. You may pay more than the Minimum Payment Due and you may pay the entire New Balance at any time. All payments must be in U.S. dollars. Except for disputed payments, if you pay by mail the payment must be sent to the address specified on your billing statement. If you pay by negotiable instrument, such as a money order or check, it must be in a form that is acceptable to us and must be drawn on a U.S. financial institution. Any check, money order or other instrument tendered as an accord in satisfaction, or which includes a condition, restrictive endorsement or any statement to the effect that acceptance of such instrument shall constitute full or partial satisfaction of a disputed or undisputed debt (collectively, a "Condition") must be sent to the inquiries address on your billing statement. You must note conspicuously on the face of the payment instrument that it is tendered for this purpose. We reserve the right to refuse to accept any payment that is subject to a Condition. If the payment does not comply with the foregoing and we process it, we will not be bound by the Conndition. By sending us a check for payment on your Account, you authorize us to initiate an electronic funds transfer from your bank or other financial institution account according to the terms of the check. This means that your check will be converted to an electronic transaction and your original check will not be returned to you by your bank. Your original check will be destroyed. Your checking or other financial institution account may be debited the same day we receive your check. If you do not want your checks to be converted to an electronic funds transfer, please call customer service at the phone number on the back of your Card. When you use our optional payment by phone service, you authorize us to initiate an electronic funds transfer from your designated bank account or to process the payment as a check transaction. You authorize the amount and timing of each payment. Please retain this authorization for your records. Application of Payments We apply payments to lower APR balances before higher APR balances. This means your balances subject to higher APRs may not be reduced before balances subject to lower APRs, such as Introductory or Promotional APRs, are paid off. The application of payments and Minimum Finance Charge may reduce the duration and benefit of any Introductory or Promotional rate offer. INTEREST RATES AND FINANCE CHARGES Interest Rates The APRs on your Account are either fixed or variable rates. The APR is divided by 365 and rounded to the next highest hundred thousandth of a percentage point to determine your Daily Periodic f2ate. The Daily Periodic Rate is used to determine the amount of Periodic Finance Charge (see Finance Charges). Variable rates are determined by adding a specified amount j"Spread") to an Index (described below). Index for Variable Rate Accounts Monthly Index For each billing cycle, the Index is determined in the calendar month prior to the calendar month in which the billing cycle ends. In that prior calendar month, the highest (U.S.) "Prime Rate' published in the Money Rates table of The Wal! Street Journal is selected (the "Index"). If the Index has changed, the new variable rates will take effect as of the first day of the first billing cycle that ends on or after the first day of the calendar month following the Index change. If a different Index is applicable to your Account, the Index will be disclosed on the Additional Disclosure Statement. An increase in the Index will increase your applicable Daily Periodic Rates which may increase the Finance Charge due on your Account and may increase the Minimum Payment Due. Each time any APR changes, we will apply it to any existing balances, excluding any fixed rate Promotional or Introductory APR. Purchase APR For credit card purchases, the Spread (for variable rates), APR and corresponding Daily Periodic Rate are disclosed on the Additional Disclosure Statement. Cash APR For cash advances, the Spread (for variable rates), APR and corresponding Daily Periodic Rate are disclosed on the Additional Disclosure Statement. DefaulUPenalty APR Your variable DefaulUPenalty APRs (hereinafter "Default APR(s)") and their application will be determined as follows: All your APRs may automatically increase to your Default APR if you default under this Cardmember Agreement because you 1) fail to make a payment to us when due or 2) exceed your credit limit. (For Promotional or Introductory balance transfer balances, default additionally includes closure of this Account for any reason.) In setting your Default APR, we may consider the following factors: how long your Account has been open, the existence, seriousness or timing of the defaults on your Account or any other account you have with us; other indications of your Account usage and performance; information about your other relationship(s) with us or any of our related companiESS; and information we obtain from consumer credit reports obtained from credit reporting agencies. Your Default APR may take effect as of thr: first day of the billing cycle in which the default occurs. Your Default APR will remain in effect until you make each Minimum Payment Due by the Payment Due Date and do not exceed your credit limit for 6 consecutive billing cycles. At that time, your APR(s) will return to the non-default APR(s) (excluding Introductory or Promotional APRs) applicable to your Account. The DefaulUPenalty APR and corresponding Daily Periodic Rate as well as the Spread are disclosed on the Additional Disclosure Statement. Promotional or Introductory APR At our discretion, we may offer you a Promotional or Introductory APR for any type of transaction. The Promotional or Introductory APR, corresponding Daily Periodic Rate, period of time for which the Promotional or Introductory APR applies, and conditions by which the Promotional or Introductory APR will be lost or be shortened are disclosed in the offer, if applicable. Certain promotional offers mayor may not be subject to Cash Advance Fees. Any Promotional or Introductory APR offer will be subject to the terms of the offer and this Agreement. See Additional Disclosure Statement for any additional APRs that may be applicable to your Account. Finance Charges All Finance Charges will be added to the purchase balance, unless otherwise specified. Please see the Additional Disclosure Statement for applicability and amount of the following Finance Charges. (a} Minimum Finance Charge. A Finance Charge that is assessed in lieu of a lesser periodic Finance Charge in any billing cycle in which a periodic Finance Charge is payable. The Minimum Finance Charge will be allocated to each category of transactions containing balances subject to a Finance Charge. (b) Periodic Finance Charges. Periodic Finance Charges are computed by multiplying the Average Daily Balance for each category of transactions shown on the billing statement (e.g., purchases, balance transfers, cash advances) by the applicable Daily Periodic Rate and then multiplying the result by the number of days in the billing cycle. To calculate the Daily Balances, we take the beginning balance for each category of transactions each day, add any new transactions, any previous day's periodic Finance Charges, any assessed fees and charges, and subtract any payments and/or credits and we make any necessary adjustments. If a transaction posts after the beginning of a billing cycle, but the transaction occurred prior to the beginning of that billing cycle, the applicable Daily Balance and any related Finance Charge c<rlculations may be adjusted retroactively to include the transaction amount as of the transaction date. Then, for each transaction category, we add the Daily Balances for the billing cycle together and divide the total by the number of days in the billing cycle. This is the Average Daily Balance for each transaction category. We may use mathematical formulas which produce equivalent results (including rounding or truncation) to calculate the Average Daily Balance, Finance Charge, and related amounts. For example, we may utilize computer programs or other computational methods that are designed to produce mathematically equivalent results while using fewer and/or simpler computational steps than are described in this Agreement. If the balance for any day is less than zero we treat it as zero. (1) Grace Period for Credit Card Purchases for Goods and Services. Periodic Finance Charges begin to accrue on the date of the transaction and continue to accrue until payment in full is credited to your Account. However, there is a Grace Period on new credit card purchases. "Grace Period" means, if the New Balance shown on your last billing statement is paid in full by the Payment Due Date for that statement, periodic Finance Charges will not be imposed on new credit card purchases during the next following billing cycle, provided the New Balance for that next following billing cycle is paid in full by the Payment Due Date for that billing cycle. In other circumstances the Grace Period will not apply. The Payment Due Date will be at Least 20 days from the statement date if no periodic Finance Charge was billed to the Accoun4 in the current billing period; otherwise the Payment Due Date will be 25 days from the statement date. If a different grace period is applicable to your Account, it will be disclosed on the Additional Disclosure Statement. (2) Grace Period for Other Transactions (including cash advances, balance transfers and credit card checks). Periodic Finance Charges begin to accrue on the date of the transaction and continue to accrue until payment in full is credited to the Account. There is no Grace Period on other transactions, unless otherwise disclosed. (3) Periodic Finance Charges will be calculated using the Daily Periodic Rate in effect on the billing statement closing date. (4) Any request to change your billing cycle date is subject to our approval. You agree that changes based on your request may shorten any Grace Period you may have or increase the time period for which periodic Finance Charges may accrue. (c) Cash Advance Fee Finance Charges. Cash zidvances include all advances to get cash over the counter, through an ATM, balance transfers (if available), credit card checks (if available), or other "cash-like" transactions (such as purchasing a money order, traveler's check, casino betting chip, or a lottery ticket) as determined by us. A Cash Advance Fee Finance Charge will be assessed on the amount of each cash advance as of the date the transaction posts to your Account and will be added to the cash balance. (d) Foreign Transaction Fee Finance Charge. A Foreign Transaction Fee Finance Charge may be assessed on the U.S. dollar amount on transactions made in a foreign currency, as of the transaction date. (e) See Additional Disclosure Statement for any additional Finance Charges that may be applicable to your Account. The application of any Finance Charge other than a periodic Finance Charge may cause the APR on the billing statement on which this Finance Charge first appears to exceed the Nominal APR (annualized amount of periodic Finance Charges). ACCOUNT FEES Please see the Additional Disclosure Statement for amounts of the following fees. All fees will be added to the purchase balance, unless othewise specified. Annual Fee/Periodic Membership Fee If your Account is subject to an Annual Fee or Periodic Membership Fee, you agree to pay this fee each year (or other periodic assessment if indicated on the Additional Disclosure Statement) your Account is open, or closed with a balance. You agree that this fee will be charged to your Account. If you close your Account within the first £i0 days your Account is open, the Annual Fee/Periodic Membership Fee(s) are refundable so long as you have not used the Account. The Annual Fee/Periodic Membership Fee compensates HSBG Bank Nevada, N.A. in part, for cardmember services provided or made available to you throughout the membership year. Late Payment Fee A Late Payment Fee may be assessed for each billing cycle in which at least the Minimum Payment Due, and any amount past due, is not paid in time to be credited to the Account by the Payment L)ue Date. Overlimit Fee An Overiimit Fee may be assessed if the Account balance exceeds the Total credit limit at any time during a billing cycle. We may impose this fee even if we authorize any transactions or impose any chances that cause your balance to exceed the credit limit. Other Fees and Charges Returned Payment Fee A Returned Payment Fee may be assessed to the Account each time a payment check, automatic payment deduction, or other payment method is not honored or is returned unsatisfied by your bank or other financial institution. Any payment returned unsatisfied for any reason may be reposted to any type of transaction (i.e. cash advance, purchases, etc.) and Finance Charges may be reinstated back to the payment date at the APR being charged for that transaction. Returned Check Fee A Returned Check Fee may be assessed to the Account each time a credit card check, balance transfer check (if available), electronic check or other Account access device is returned unsatisfied by us for any reason. Check by Phone Fee A Check by Phone Fee may be assessed to the Account each time a payment is made by telephone, even if the payment is made by someone other than you. The amount of this fee will be disclosed at the time such payment is requested. Stop Payment Fee A Stop Payment Fee may be added to the cash advance balance when a payment of a credit card check is stopped at your request. Payment may be stopped on a credit card check by notifying us in writing or by calling us at the telephone number listed on the Account billing statement, so long as such check has not already been processed. A stop payment request must include the check number, payee, amount, and date of the credit card check on which payment is to be stopped. If a stop payment is requested by telephone, the call must be confirmed in writing within 14 days. A written stop payment will remain in effect for six months unless renewed in writing. Written stop payment requests should be sent to the inquiries address shown on your billing statement. Research Fee A Research Fee may be assessed to the Account for each copy of a sales slip, billing statement, or other document requested. Additional Fees See the Additional Disclosure Statement for any other fees that may be applicable to your Account. FOREIGN TRANSACTIONS If you make a transaction in a foreign currency, the transaction will be converted by the Network, into a U.S. dollar amount in accordance with its operating regulations or conversion procedures in effect at the time the transaction is processed. Currently, Network regulations and procedures provide that the currency conversion rate to be used is either (1) a wholesale market rate, or (2) agovernment-mandated rate in effect on either (i) the applicable central processing date, or (ii) one day prior to the processing date. The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction or posting date. The Network may change the procedures, from time to time, at its own discretion. ACCOUNT RENEWAL, CLOSURE AND TERMINATION Card Renewal Cards are issued with an expiration da1.e. We have the right not to renew your Card for any reason. Closing Your Account You can close your Account by notifyirng us in writing or by telephone. Your Account balance will continue to accrue Finance Charges and other fees and your Account will remain subject to all the terms and conditions of this Agreement. We will not honor any credit card check written on your Account or authorize any transactions after your Account is closed and you must destroy your Card(s) and any unused credit card checks. Send your written request to close your Account to the inquiries address shown on your billing statement or you may call us at the telephone number listed on your billing statement. Account Closure We may close your Account, suspend your credit privileges, or reduce your credit limit at any time and for any reason, subject to the requirements of applicable law. In any of these events, your Account balance will continue to accrue Finance Charges and fees and will remain subject to all the terms and conditions of this Agreement. If we close your Account, you agree to destroy your Card(s) and any unused credit card checks. If your Account has been closed, or your credit privileges are suspended, you may not use your Card or credit card checks. Default You will be in default under this Agreement if: (a) you fail to make at least the Minimum Payment Due in time to be credited to your Account as of the Payment Due Date; (b) you violate any other proviision of this Agreement; (c) you become deceased; (d) you become subject to bankruptcy or insolvency proceed+ngs; (e} you supply us with misleading, false, incomplete or incorrect information; (f} we receive information from third parties, including credit reporting agencies, which indicate a serious delinquency or charge-off with other creditors; (g) you fail to provide us a physical address; (h) you exceed your credit limit; (i) your payment is returned unsatisfied by your bank or other financial institution for any reason; or Q) any credit card check is returned unpaid by us. Upon default, we have the right to close your Account, to terminate or suspend your credit privileges under this Agreement, to change the terms of your Account and this Agreement, to require you to pay your entire Account balance including all accrued but unpaid charges immediately, and to sue you for what you owe. If you do not pay us, your Account balance will continue to accrue Finance Charges and fees until paid in full and will remain subject to all the terms and conditions of this Agreement. If we sue you, or if we hire a third party to collect your Account balance, you will pay our court costs, reasonable attorneys' Fees and other collection costs related to the default to the extent permitted by law in the state in which you reside, and we will apply your payments first to attorneys' fees and other costs and then to principal and unpaid Finance Charges. CREDIT CARD FRAUD Lost or Stolen Credit Card or Account Checks You agree to notify us immediately if your credit card or credit card checks are lost or stolen or your Account number is compromised. You may notify us by calling us at the phone number listed on your billing statement. Liability for Unauthorized Use You should retain copies of all charge slips until you receive your billing statement, at which time you should verify that the charges are true and the amounts unaltered. You may be liable for the unauthorized use of your credit card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or possible unauthorized use. Notification must be given either by writing us immediately upon learning of the loss, theft or possible unauthorized use or calling us at the telephone number listed on your billing statement. You will not be liable for any unauthorized use of your credit card Account when you notify us immediately by phone or in writing. In any case, your liability for unauthorized use of your credit card will not exceed $0. To notify us of unauthorized use of your credit card, you may call or write to us at the telephone number or inquiries address shown on your billing statement. PERSONAL INFORMATION Change of Name, Address, Telephone Number or Employment You agree to give us prompt notice of any change in your name, mailing address, telephone number or place of employment. Updated Financial and Other Information Upon request, you agree to promptly give us accurate financial and other information about yourself. Credit Reporting If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit record may be submitted to credit reporting agencies. If any specific information related to your Account transactions or credit experience with us is inaccurate, you may notify us to correct the inaccurate information (after confirmation of the alleged error) reported to any credit reporting agency by writing to us at P.O. Box 98706, Las Vegas, NV 89193. Certain Privacy Practices You agree that from time to time we may receive credit information concerning you from others, such as stores, other lenders, and credit reporting agencies, and that we may use this information to amend, cancel or suspend your credit privileges under this Agreement even if you are not in default with us. You agree that the Department of Motor Vehicles may release your residence address to us, should it become necessary to locate you. You agree that our supervisory personnel may listen and record telephone calls between you and our representatives in order to evaluate the quality of our service to you and to other cardmembers. For additional information regarding our privacy practices, please refer to our Privacy Statement. ADDITIONAL TERMS Change of Terms (Including Finance Charges) WE MAY CHANGE OR TERMINATE ALL OR ANY PART OF THIS AGREEMENT OR ADD NEW TERMS AT ANY TIME, INCLUDING WITHOUT LIMITATION ADDING OR INCREASING FEES, INCREASING YOUR PERIODIC PAYMENT, INCREASING THE RATE OR AMOUNT OF FINANCE CHARGES, OR CHANGING THE METHOD OF COIMPUTING THE BALANCE UPON WHICH FINANCE CHARGES ARE ASSESSED. AMONG OTHER THINGS, WE MAY INCREASE YOUR APR, FEES, AND TOTAL COST OF CREDIT BASED ON A CHANGE IN YOUR CREDIT HISTORY, AN INCREASE IN YOUR CREDIT OBLIGATIONS, AGCOUNT PERFORMANCE, USE OF YOUR CREDIT LINES WITH US OR ANOTHER CREDITOR, OR OUR FINANCIAL RETURN. ANY CHANGES WILL BE IN ACCORDANCE WITH THIS AGREEMENT AND APPLICABLE LAW. WRITTEN NOTICE WILL BE PROVIDED TO YOU WHEN REQUIRED BY APPLICABLE LA4N. UNLESS OTHERWISE STATED, CHANGES APPLY TO BOTH NEW AND OUTSTANDING BALANCES. ARBITRATION Federal Arbitration Act This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1 - 16 (the "FAA"). The arbitrator shall apply applicable substantive law consistent with the FAA and provide written reasoned findings of fact and conclusions of law upon request. The arbitrator's award shall not be subject to appeal except as permitted by the FAA. The parties agree that the award shall be kept confidential. Judgment upon the award may be entered in any court having jurisdiction. Claims and Arbitration Administrators This arbitration provision shall apply to any Claim (defined below) by or against us, or you or any other Covered Person {defined below). You agree any claim, dispute, or controversy {whether based upon contract; tort, intentional or otherwise; constitution; statute; common law; or equity and whether pre- existing, present or future), including initial claims, counter-claims, cross-claims and third party claims, arising from or relating to (a) this Agreement, your Account, any transaction or activity involving any payment or failure to make payment on your Account, or any solicitation, advertisement, promotion, or oral or written statements related to this Agreement or your Account, (b) the relationships which result from this Agreement and your relationship with any Covered Person pursuant to the criteria in the immediately preceding subsection or {c) the scope, validity or enforceability of this arbitration clause, any part thereof or the entire Agreement (any of the forgoing a "Claim"), shall be resolved, upon the election of you, us, or any other Covered Person described below, by binding arbitration pursuant to this arbitration provision and the applicable rules or procedures of the arbitration administrator selected at the time the Claim is filed. The party initiating the arbitration proceeding shall hae~e the right to select one of the following arbitration administrators: the National Arbitration Forum ("NAF") or the American Arbitration Association ("AAA"). The arbitrator shall be a lawyer with more than ten years experience or a retired or former judge. The rules and forms of the NAF and AAA may be obtained by writing to these organizations at the addresses listed under Further Information below. Our address for service of process under this provision is HSBC Card Services Inc., P.O. Box 98740, Las Vegas, NV 89193-8740. Small Claims Exemption We agree not to invoke our right to arbil:rate an individual Claim you may bring in small claims court or an equivalent court, if any, so long as the Claim is pending only in that court. Location of Arbitration and Fees Any participatory arbitration hearing that you attend will take place in the city nearest to your residence where a federal district court is located or at such other location as agreed by the parties. On any Claim you file, you will pay the first $50 of the filing fee. At your request we will pay the remainder of the filing fee and any administrative or hearing fees charged by the arbitration administrator on any Claim submitted by you in arbitration up to a maximum of $1,500. If you are required to pay any additional fees to the arbitration administrator, we will consider a request by you to pay all or part of the additional fees; however, we shall not be obligated to pay any additional fees unless the arbitrator grants you an award. If the arbitrator grants an award in your favor, we will reimburse you for any additional fees paid or owed by you to the arbitration administrator up to the amount of the fees that would have been charged if the original Claim had been for the amount of the actual award in your favor. The parties shall bear the expense of their respective attorney's fees, except as otherwise provided by law. If a statute gives you the right to recover any of these fees, or the fees paid to the arbitration administrator, these statutory rights shall apply in the arbitration notwithstanding anything to the contrary contained herein. If the arbitrator issues an award in our favor, you will not be required to reimburse us for any fees we have previously paid to the arbitration administrator or for which we are responsible. Covered Persons This arbitration agreement covers Claims by or against (a) us, any corporate parent, subsidiary, or affiliate, any predecessor or successor of the foregoing, and any officer, director, employee, ageint or representative of any of the aforementioned, (b) you and any authorized user, and any other person claiming through you or any authorized user, and {c) any other person assisting us in offering Cards, administering Accounts or providing Card-related benefits or services ("Covered Persons'). If a Claim that is evithin the scope of the first paragraph of the "Claims and Arbitration Administrators" paragraph above is advanced by or against any third person, and any of the persons mentioned in the previous sentence is involved as a party, then the entire Claim is subject to arbitration under this Agreement, including any Claim by or against any third person. Protection of Information The rules and procedures of the arbitration administration organization, which you may obtain from that organization, shall govern the arbitration unless they conflict with this arbitration agreement provision, in which case this arbitration agreement will control. The arbitrator will not be bound by judicial rules of procedure and evidence that would apply in a court, nor to state or local laws that relate to arbitration proceedings. If you or we request, the arbitrator will honor claims of privilege recognized under applicable law and will use best efforts to protect confidential information {including through use of protective orders). Decision and Appeal The arbitrator's decision will be final and binding after fifteen days unless you or we seek an appeal of the award by making a written request to the arbitration administration organization. In the event of such an appeal, an appeal panel consisting of three arbitrators will consider all factual and legal issues anew, will conduct the appeal in the same manner as the initial arbitration, and will make decisions based on the vote of the majority. The panel's decision will be final and binding. Any final decision of the arbitrator or of the appeal panel is subject to judicial review only as provided under the FAA. An award in arbitration wit{ be enforceable under the FAA by any court having jurisdiction. Parties to Arbitration Arbitration shall be conducted in the name of individually named parties. Unless all parties consent, neither you nor we may join, consolidate, or otherwise bring claims regarding two or more accounts, individuals, or account holders in the same arbitration. There shall be no class action procedures, or other representative or collective actions, in an arbitration, even if the underlying dispute has been asserted in a court as a class action, private attorney general action, or other representative or collective action. No party may advance a claim in arbitration on behalf of or against a person in a representative or collective capacity, or on behalf of or against a person who is not an individually named party to the arbitration; nor may a party seek an award or benefit in arbitration on behalf of or against a person who is not an individually named party. The arbitrator shall not have authority to resolve any claim advanced by or on behalf of anyone who is not an individually named party, and shall not have the authority to make an award for the benefit of anyone who is not an individually named party; the arbitrator shall not have the power to make an award against anyone who is not an individually named party. Consequences of Electing Arbitration THE PARTIES ACKNOWLEDGE THAT THEY HAVE A RIGHT TO LITIGATE CLAIMS THROUGH A COURT BEFORE A JUDGE OR JURY, BUT WILL NOT HAVE THAT RIGHT IF EITHER PARTY ELECTS ARBITRATION. THE PARTIES HEREBY KNOWINGLY AND VOLUNTARILY WAIVE THEIR RIGHTS TO LITIGATE SUCH CLAIMS IN A COURT BEFORE A JUDGE OR JURY UPON ELECTION OF ARBITRATION BY EITHER PARTY. Further Information You may contact, obtain the arbitration rulE;s of, or file a Claim with NAF or AAA as follows: National Arbitration Forum, P.O. Box 50191, Minneapolis, MN 55405, www.arb-forum.com American Arbitration Association, 1150 Connecticut Ave. NW, 6th floor, Washington, DC 20036-4104, www.adr.org Miscellaneous This arbitration agreement shall survive termination of your Account as well as the repayment of all amounts borrowed hereunder. If any portion of this arbitration agreement is deemed invalid or unenforceable under any law or statute consistent with the FAA, it shall not invalidate the remaining portions of this arbitration agreement or the Agreement except that in no event shall the invalidation of any portion of this arbitration agreement have the effect of authorizing an arbitrator to arbitrate a class action or other matter involving joinder or consolidation of claims without the express written consent of you and us. In the event of a conflict or inconsistency between the rules and procedures of the arbitration administrator and this arbitration agreement, this arbitration agreement shall govern. No class actions or joinder or consolidation of any Claim with the claim of any other person are permitted in arbitration without the express written consent of you and us. OTHER INFORMATION Assignment of Account We may sell, assign or transfer your Agreement and Account or any portion thereof without notice to you. You may not sell, assign or transfer your Account. If we assign your Account the assignee shall have the same rights as we do under this Agreement. Waiver We may choose to delay enforcing or waive any of our rights under this Agreement in certain situations. We can delay enforcing or waive any of our rights without affecting our other rights. If we waive a right, we do not thereby waive the same right in other situations. Severability If any provision of this Agreement is finally determined to be void or unenforceable under any law, rule or regulation, all other provisions of this Agreement will remain valid and enforceable. Applicable Law This Agreement and your Account will be governed by federal law and, to the extent state law is applicable, the laws of the state of Nevada, whether or not you live in Nevada and whether or not your Account is used outside Nevada. This Agreement is entered into in Nevada, your Account is maintained in Nevada, and all credit under this Agreement will tie extended from Nevada. YOUR BILLING RIGHTS What To Do If There's An Error In Your Bill YOUR BILLING RIGHTS -KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL If you think your bill is wrong, or if you need more information about a transaction on your bill, write to us (on a separate sheet) at the address listed on your bill. Write us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. Please include the following information in your letter: • Your name, account number and signature; • The dollar amount of the suspected error; and • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your Account bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur. YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE: We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collectt any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including Finance Charges, and we can apply any unpaid amount against your Credit Limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your biN that are not in question. If we find that we made a mistake on your bill, you will not have to pay any Finance Charges related to any questioned amount. If we didn't make a mistake, you may have to pay Finance Charges, aril you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date it pis due. If you fail to pay the amount we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you, and you write to us within ten days telling us you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. Upon settlement of the dispute, we must tell everyone we report you to that the matter has been settled. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct. SPECIAL RULES FOR CREDIT CARD PURCHASES If you have a problem with the quality of property or services you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right: (a) You must have made the purchase in your home state or if not, within 100 miles of your current mailing address. (b) The purchase price must have been more than $50. These limitations do not apply if we own ar operate the merchant, or if we mailed you the advertisement for the property or services. HSBC Card Services Inc. andlor HSBC Card Services (II) Inc. provide processing services for HSBC Bank Nevada, N.A. You may write to us at the address shown on your billing statement or HSBC Bank Nevada, N.A., 1111 North Town Center Drive, Las Vegas, Nevada 89144. Patrick Burke Senior Executive Vice President and Chief Executive Officer HSBC Finance Corporation. August 1, 2009 Term ID 080328 I 288451024_AddendumAD080328.gxd:Layout 1 2115/10 2:11 PN ge 1 This is part of your Cardmember Agreement and Disclosure Statement ("Agreement") for your credit card Account. Please keep this with your important papers. ADDITIONAL DISCLOSURE STATEMENT The Default APR section in the enclosed Agreement is replaced with the following: All your APRs may automatically incrE:ase to your Default APR if you default under this Cardmember Agreement because you 1) fail to make a payment to us when due or 2) exceed your credit limit. Insetting your Default APR, we may consider the following factors: how long your Account has been open, the existence, seriousness or timing of the defaults on your Account or any other account you have with us; other indications of your Account usage and performance; information about your other relationshipls) with us ar any of our related companies; and information we obtain from consumer credit reports obtained from credit reporting agencies. Your Default APR takes effect as of the first day of the billing cycle in which the default occurs. Your Default APR will remain in effect until you make each Minimum Payment Due by the Payment Due Date and do not exceed your credit limit for 6 consecutive billing cycles. At that time, your APR(s) will return to the non-default APR(s-, (excluding Introductory or Promotional APRs, applicable to your Account. INTEREST RATES AND FINANCE CHARGES Index for Variable Rate Accounts Monthly Index applies to your Account. Annual Percentage Rate ("APR") Specific Rates and Fees may be determined based on your creditworthiness. Daily Periodic Rate ("DPR")and APR Minimum DPR and APR Spread Customary Applies to credit caird purchases and balance transfers. Purchase APR 04107% - .06025% DPR 04107% - .06025°lo DPR o 0 74 /o 74 /o - 18 11 (corresponding 14.99% - 21.99% APR) (corresponding 14.99% - 21.99% ~1 . . Cash APR Applies to cash advances, including cash advances made by credit card check. 06299% - .07942% DPR .06299% - .07942% DPR 74% 19 74% - 25 (corresponding 22.99% - 28.99°!° APR) (corresponding 22.99% - 28.99°!° APR) . . Default Purchase .07463% DPR (corresponding 27.24°1o APB) .06573% DPR (corresponding 23.99% APB) up to 23.99% APR Default Cash APR .07463% - .07942%DPR .06573°l0 - .07942°1° DPR up to 23.99% (corresponding 27.24% - 28.99°1° APR) (corresponding 23.99% - 28.99% APR) Finanr_a (:harnes a) Minimum Finance Charge $1.00 b) Periodic finance Charges (1) Grace Period At least 20-days after the close of the previous billing cycle on new credit card purchases, provided you paid your previous balance in full. c)CashAdvance Fee finance Charge For each ATM Transaction, non-promotional Balance Transfer or Convenience Check Transaction, when the transaction is for $100 or less: $5. All other Cash Transactions: The greater of 4% of the amount of Cash Transactions or $15. d) Foreign Transaction Fee finance Chargg 3% of the U.S. dollar amount on transactions made in foreign currency. Account Fags Annual Fee /Periodic Membership Fee $0 - $59 Late Payment Fee $39 Overlimit Fee $39 Returned Payment Fee $35 Returned Check Fee $15 Stop Payment Fee $0 Research Fee $7 AD80328_AddendumAD08328 Pricing Addendlum INTEREST RATES AND FINANCE CHARGES The Annual Percentage Rates ("APR"s) on your Account are either fixed or variable rates. The APR is divided by 365 and rounded to the next highest hundred thousandth of a percentage point to determine your Daily Periodic Rate. The Daily Periodic Rate is used to determine the amount of periodic Finance Charges. Variable rates are determined by adding a specified amount ("Spread") to an Index (described below). Index for Variable Rate Accounts Monthly Index Information. For each billing cycle, the Index is determined in the calendar month prior to the calendar month in which the billing cycle ends. In that prior calendar month, the highest (U.S.) "Prime Rate" published in the Money Rates table of The Wall Street Journal is selected (the "Index"). If the Index has changed, the new variable rates will take effect as of the first day of the first billing cycle that ends on or after the first day of the calendar month following the Index change.Specific Rates and Fees may be determined based on your creditworthiness. Customary Purchase APR Prime plus 11.74°l° - 18.74°l0 Minimum APR: 14.99% - 21.99% Balance Transfer APR Prime plus 11.74% - 18.7'4%, if offered Minimum APR: 14.99% - 21.99%, if offered Cash APR Prime plus 19.74% - 25.74% Minimum APR: 22.99% - 28.99% Default Purchase APR Prime plus up to 23.99% Minimum APR: 23.99% Default Cash APR Prime plus up to 23.99% Minimum APR: 23.99% - 28.99°l0 Default APR: All your APRs may automatically increase to your Default APR if you default under this Cardmember Agreement because you 1) fail to make a payment to us when due or 2) exceeds your credit limit. (For Promotional or Introductory balance transfer balances, default additionally includes closure of this Account for any reason.} In setting your Default APF2, we may consider the following factors: how long your Account has been open, the existence, seriousness or timing of the defaults on your Account or any other account you have with us; other indications of your Account usage and performance; information about your other relationship(s) with us or any of our related companies; and information we obtain from consumer credit reports obtained from consumer reporting agencies. Your Default APR takes effect as of the first day of the billing cycle in which the default occurs. Your Default APR will remain in effect until you make each Minimum Payment Due by the Payment Due Date and do not exceed your credit limit for 6 consecutive billing cycles. At that time, your APR(s) will return to the non-default APR(s), excluding Introductory or Promotional APRs, applicable to your Account. FINANCE CHARGES Minimum Finance Charge: A minimum Finance Charge of $1.00 will be assessed for each billing cycle in which a 1=finance Charge is payable. Grace Period: At least: 20 days after the close of the previous billing cycle on new credit card purchases, provided you paid your previous balance in full. There is no grace period on cash advances or balance transfers. Balance Transfer Fee: $5 for if the transaction is $100 or less or; $15 or 4%, whichever is greater, if the transaction is greater than $100. Cash Advance Fee: $5 for each ATM or Convenience Check transaction if the transaction is $100 or less. For all other cash transactions, $15 or 4%, whichever is greater. Foreign Transaction Fee: 3% of the U.S. dollar amount on transactions made in a foreign currency, as of the transaction date. ACCOUNT FEES Annual Fee: $0 - $59 Late Payment Fee: $3!~ Overlimit Fee: $39 Returned Payment Fee.: $35 Required insurance, debt cancellation or debt suspension coverage: None Balance Computation 11Aethod: Average Daily Balance (including new transactions). To calculate the Daily Balances, we take the beginning balance for each category of transactions each day, add any new transactions, any previous day's periodic Finance Charges, any assessed fees and charges, and subtract any payments and/or credits and we make any necessary adjustments. Then, for each transaction category, we add the Daily Balances for the billing cycle together and divide the total by the number of days in the billing cycle. This is the Average Daily Balance for each transaction category. 288451024_PricingAddendumAD080328 VERIFICATION I ALANATHOMAS hereby depose and state that: The language of the foregoing document is that of counsel and not necessarily my own; however, I have read the foregoing document and the factual information contained therein. is true and correct to the best of my personal knowledge. I am the Authorized Representative and a duly authorized representative of the plaintiff; The factual allegations set forth in the foregoing pleading are true and correct to the best of my knowledge, information and belief, and they are that JAMES ELDER MORRISON owes the balance of $5,645.76 to CACH, LLC on previously submitted invoices, which balance is due and unpaid as if the date of the execution of this Verification. I am aware that if any of the foregoing is willfully false, I am subject to punishment. I understand that false statements made herein are subject to the penalties relating to unsworn falsification to authorities. ALA~JA THOMAS Authorized Representative SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson "F1LED-OFFIC~ sheriff ~ TAE ~'ROTH~~~gTA~~' Jody S Smith d.°~~~ttr cC tu~r~yrrr~~~ Chief Deputy ~~. ~ ~~_-, _ ~ ~~ ~ ~ ~~T ~ J~ PM (~ ~ Q ~:a .3~ Richard W Stewart ~~~~~~~~.A~~J ~~~7~! Solicitor csFFicE -~ -emu s~~~R~Fr ~~~@~S`i`L~/~~:°~~~, Cach, LLC Case Number vs. James Elder Morrison 2010-6393 SHERIFF'S RETURN OF SERVICE 10/12/2010 07:05 PM -Shawn Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on October 12, 2010 at 1905 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: James Elder Morrison, by making known unto Sherry Morrison, Wife of defendant at 30 E. Slate Hill Road, Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same time handing to her personally the said true and correct copy of the same. WN TSHALL, DEPUTY SHERIFF COST: $33.40 October 13, 2010 SO ANSWERS, RON R ANDERSON, SHERIFF (cj CountySuite 5henff, Telaosoft, li7c. Harrison Ross Byck, Esq., P.C. Attorney I.D. No. 61511 229 Plaza Blvd., Suite 112 OF THE?'P OTFj OTlk , 2010 DEC -2 PM 4: 11 Morrisville, PA 19067 CUMBERLAND COi1NT 1-888-275-6399// (215) 428-0666 PENNSYLVANIA CACH, LLC ) COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff(s), vs. JAMES ELDER MORRISON Defendant(s). NO: 2010 - 06393 PRAECIPE TO ENTER JUDGMENT BY DEFAULT TO THE PROTHONOTARY: Please enter a Default Judgment in favor of plaintiff, CACH, LLC, and against the defendant(s), JAMES ELDER MORRISON, for failure to answer or otherwise respond to the Complaint in Civil Action. The Complaint was served upon the defendant(s) on October 12, 2010. A copy of the proof of service is attached hereto as Exhibit "A". A copy of the Notice of Intention to take Default mailed to defendant(s) JAMES ELDER MORRISON by regular United States mail, postage paid, on November 3, 2010, is attached hereto as Exhibit "B". Assess damages in the amount of $ 7251.77 as follows: [a] $ 5645.76 principal being sought in the Complaint; [b] and $ 1306.01 interest being sought in the Complaint; [c] and reasonable attorney's fees of $300.00, or $ 150.00 per hour, [d] and Court Costs of $ 0.00, [e] and Costs of Service of $0.00. Date: November 26, 2010 Pal A/l/ o0 ivy 1m4h 6W G?C#' ?1s1 ??? I? l of?e? nxu.P?i c By: -- Allan C. Smith, Esq. Attorney I.D. No. 204756 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff nt? cf ?umbrr? Jody S Smith Chief Deputy Go? an? Richard W Stewart Solicitor OFFICE OF THE SHERIFF Cach, LLC vs. James Elder Morrison Case Number 2010-6393 SHERIFF'S RETURN OF SERVICE 10/12/2010 07:05 PM - Shawn Gutshail, Deputy Sheriff, who being duly swom according to law, states that on October 12, 2010 at 1905 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: James Elder Morrison, by making known unto Sherry Morrison, Wife of defendant at 30 E. Slate Hill Road, Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same time handing to her personally the said true and correct copy of the same. WN TSHALL, DEPUTY SHERIFF COST: $33.40 October 13, 2010 SO ANSWERS, RON R ANDERSON, SHERIFF (C) CountySuite Sheriff. Teieosoft. Inc. Harrison Ross Byck, Esq., P.C. Attorney I.D. 61511 229 Plaza Blvd., Suite 112 Morrisville, PA 19067 1-888-275-6399// (215) 428-0666 Attorney for Plaintiff CACH,LLC Plaintiff, vs. JAMES ELDER MORRISON Defendant(s). COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 2010 - 06393 CERTIFICATE OF SERVICE OF NOTICE OF INTENT TO FILE PRAECIPE TO ENTER JUDGMENT BY DEFAULT I, ALLAN C. SMITH, ESQ., of full age, certify that I mailed a copy of the annexed NOTICE OF INTENT TO FILE PRAECIPE TO ENTER JUDGMENT BY DEFAULT upon defendant JAMES ELDER MORRISON by United States mail, postage prepaid and certified mail, on November 3, 2010 at his/her last address of: 30 E SLATE HILL RD CARLISLE, PA 17013 Date: November 26, 2010 By: Allan C. Smith, Esq. Attorney I.D. No. 204756 Harrison R. Byck, Esq., P.C. Attorney I.D. No. 61511 229 Plaza Blvd., Suite 112 Morrisville, PA 19067 1-888.275-63" H (215) 428-0666 Attorney for the Plaintiff CACH,LLC Plaintiff, VS. JAMES ELDER MORRISON COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 2010 - 06393 NOTICE OF INTENT TO FILE PRAECIPE TO ENTER JUDGMENT BY DEFAULT TO: JAMES ELDER MORRISON 30 E SLATE HILL RD CARLISLE, PA 17013 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CAN NOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Lawyer Referral Service PENNSYLVANIA LAWYER REFERAL SERVICE 4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013. (717) 240-6200 Dated: November 3, 2010 Harrison Ross Byck, Esq., P.C. Attorney I.D. No. 61511 229 Plaza Blvd. Suite 112 Morrisville, PA 19067 1-888-275-6399 H (215) 428-0666 Attorney for Plaintiff CACH, LLC ) COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, ) NO: 2010.06393 VS. ) JAMES ELDER MORRISON ) Defendant(s). ) CERTIFICATION OF NON-MILITARY SERVICE I, ALLAN C. SMITH, ESQ. of full age, certifies as follows: I am the plaintiff's attorney herein, and have sufficient knowledge of the facts and am fully authorized to make this Certification; 2. My information is that the defendant is JAMES ELDER MORRISON. 3. Our latest information is that the defendant is employed at unknown. To the best of my information and belief, the Defendant is not a member of the military services of the United States of its allies or otherwise within the provisions of the Soldiers' and Sailors' Relief Act of 1940, as amended, and as stated in the attached Department of Defense Manpower Data Center reports. This certification is taken subject to the penalties of 18 PaCSA 4904 relating to unsworn falsification to authorities. Date: November 26, 2010 By----° - Allan C. Smith, Esq. Attorney I.D. No. 204756 Request for Military Status Page 1 of 2 Department of Defense Manpower Data Center Nov-19-2010 10:55:39 40 Military Status Report Pursuant to the Service Members Civil Relief Act < Last First/Middle Begin Date Active Duty Status Active Duty End Date Service c A Name gen y Based on the information you have furnished, the DMDC does not possess MORRISON JAMES E any information indicating the individual status. Upon searching the information data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the current status of the individual as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). )0 11? 6 Mary M. Snavely-Dixon, Director Department of Defense - Manpower Data Center 1600 Wilson Blvd., Suite 400 Arlington, VA 22209-2593 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Service Members Civil Relief Act (50 USC App. §§ 501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL http•//www defenselink miVfaq/nis/PC09SLDR html. If you have evidence the person is on active duty and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. §521(c). If you obtain additional information about the person (e.g., an SSN, improved accuracy of DOB, a middle name), you can submit your request again at this Web site and we will provide a new certificate for that query. This response reflects active duty status including date the individual was last on active duty, if it was within the preceding 367 days. For historical information, please contact the Service SCRA points-of- contact. https://www.dmdc.osd.mil/app.i/scra/popreport.do 11/19/2010 Harrison Ross Byck, Esq., P.C. Attorney I.D. 61511 229 Plaza Blvd. Suite 112 Morrisville, PA 19067 1-888-275-6399 H (215) 428-0666 Attorney for Plaintiff CACH, LLC ) COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, ) NO: 2010 - 06393 vs. ) JAMES ELDER MORRISON ) Defendant(s). ) To: JAMES ELDER MORRISON 30 E SLATE HILL RD CARLISLE, PA 17013 NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below: 'd 1A 10 By: k Clerk x Judgment by Default Money Judgment - Judgment in Replevin - Judgment for Possession - Judgment on Award of Arbitration - Judgment on Verdict - Judgment on Court Verdict If you have any questions concerning the above, please contact: ATTORNEY: HARRISON ROSS BYCK, Esquire at 215-428-0666 or 1-888-275-6399 Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor ??,??ntn nt ttr?g?r?,f?gD Y L OFFZE OF T"E :-ERIFF FILED-OFFICE OF T'HE' PROT'HOR TT,!iy 2011 MAY 27 AM g: 37 CUMBERLAND COUP Y PENNSYLVANIA Cach, LLC vs. Case Number James Elder Morrison 2010-6393 SHERIFF'S RETURN OF SERVICE 04/20/2011 03:46 PM - Steve Bender, Deputy Sheriff, who being duly sworn according to law, states that on April 20, 2011 at 1545 hours, he served a true copy of the within writ of execution, upon the defendant, to wit: James Elder Morrison, by making known unto James Elder Morrison, at 30 E Slate Hilll Road, Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same time handing to him personally the said true and correct copy of the same. Upon serving the writ of execution, a levy was completed. Postcard and copy of levy mailed to attorney and letter mailed to defendant on 04-21-11. 05/26/2011 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states this writ of execution is returned STAYED per request of plaintiffs attorney. SHERIFF COST: $68.73 May 26, 2011 SO ANSWERS, rz '-, o2? RON R ANDERSON, SHERIFF B haron R. Lan z J?' .? . ov po! de . -M IZ- pal - AW -2 S95?&y SHERIFF'S OFFICE OF CUMBERLAND COUNTY (C) CountySuite Sheriff. 7elecsoft. Inc.