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HomeMy WebLinkAbout10-7321IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MIDLAND FUNDING LLC 8875 AERO DR CIVIL ACTION SAN DIEGO CA 92123 Plaintiff c ~ ~ n ~ °' z ~~ vs. Z ~ ~o RALPH RETTBERG y;°,~ 3 ~.~ 99 REGENCY WOODS N xQ ~ _ ~~ ©'~ CARLISLE PA 17015 ~ .~- Defendant ~ -~ ,~` NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice to Defend aze served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You aze warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT REDUCED FEE OR NO FEE. MIDPENN LEGAL SERVICES 401 EAST LOUTHER STREET CARLISLE, PA 17013 717-243-9400 `5 as ~~d:`~la~~ ~1` ~a5 s~nq State of PENNSYLVANIA COUNTY OF 1'u~rvtber((~nd MIDLAND FUNDING LLC, Plaintiff -vs- RALPH RETTBERG, Defendant(s). COMPLAINT ~I'a 10-~3a-~ ca'~ I 1. Plaintiff is the current owner of, and/or successor to, the obligation sued upon, and was assigned all the rights, title and interest to defendant's BANK OF AMERICA account 4888936090566856 (MCM Number 8533920177) (hereinafter "the account"). 2. Upon information and belief, this action is based upon a credit agreement entered into between defendant(s) and the original credit grantor. 3. Upon information and belief, defendant(s) used or authorized the use of the credit account to obtain loans from the original credit grantor for the purpose of obtaining goods and/or services and/or cash advances. 4. Defendant(s) failed to make full payment of the amount owed on the account. 5. Upon information and belief, the last payment posted to the account on 2007-09-01. 6. The account shows that the defendant(s) owe(s) a balance of $11440.60. 7. Attached hereto, upon information and belief, is a true and correct copy of the credit ~~~~ ~~ ~~ 8533920177 AFFINDEBT E10-2734 agreement provided to plaintiff as either the actual agreement applicable to defendant, or an WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of $11,440.60 plus costs of suit and any other relief as the Court deems just and appropriate. Respectfully r~'A. ~(b sen & Assoc. ichael F. Ratchford, Esquire Heather K. Woodruff, Esquire Attorney I.D. Nos.: 86285/207805 120 North Keyser Ave. Scranton, PA 18504 mratchford@eaa-law. com hoodruff@eaa-law.com Phone: 570-558-5510 Fax: 570-558-5511 Verification Ashley Hoffman, being duly sworn (or affirmed) according to law deposes and says that I am employed as a Legal Specialist for Midland Credit Management, Inc. ("MCM"), servicer of this account on behalf of plaintiff. I am authorized to make this verification on plaintiffs behalf. The facts set forth in the foregoing pleading are true and correct upon information and belief. Date STATE OF MINNESOTA COUNTY OF STEARNS Signed and sworn to (or affirmed) before me on ,ti .~~,~. .. .NANCY MARIE KOHLS ~~a ~ Notary Public-Minnesota I~Comm~o~E~ires~an.31,~15 PA38 Edwin A. Abrahamsen & Associates, P.C. NOV 17 otary Public Ashley My commission expires: ~~~~ ~~ 8533920177 AFFINDEBT EIO-2734 Platinum pllu~" ' ~ ~~e CREDIT CARD AgR~EMENT coa1TENTS (Sels+cted Sections) ~ YOUR CbNTRACT WITH US 18 ^ WORDS USEd OFTEN {N THIS 16 AC3REEMENT ^ ANNUAL PERCENTAGE RATE5 19 ^ ACCOUNT FEES ~ ^ HOW TO USE YOUR ACCOUNT 30 • PAYMENTS ON YOUR ACCOUNT 32 R WE MAY AMEND THIS AC3REEMENT 37 ~ UNAUTHORIZED USE OF YOUR CARD 40 w. AR8ITRATIdN AND LiTIGATiON 4Q ^ YOUR BILL{NC3 RIt3HT5 43 RAMC OF AMERICA pttNACY pOUCY FOR CONSUMERS our privacy carnmitment tv you To learn morn about how Bank of America manages Customer Irtfam-ation end what ec~tiona you cart faits, please continue reading. We hour made a feW- changes to our policy that provide you with mare options about maneging Customer Information. we are commuted to rtapectmp and protecting our customers' privacy. This document inctudcs iMomnation about: 7. Making the security Of infornation a priority 2. Coilecting information 3. Managing iMormatlat 4. Mafdng sur+t irlfarn~tion is accurate s. Honoring your prtterenc~ 6. Actbme you can take 7. ttuarding your own information 8. Bank of Mte+'trai Companies This polfay covets Customer Information, which means pttsonatiy identifiable infornnatiar about a consumer or a consumer's current or former customer relationship with Bank of America. This policy is provided to you as n3quir'ed by the Federal Financial Privacy lavr" and applies to our companies identltied in section 8, Beak of America Companks. 1. MAigNC~ Tldr SECURI'T'Y OF INFORMATION A p~RIORTtY Keepirajy financial information secure is one of our most ImpoRant t+esporisibil'rties. 1N8 maintain physical, electronic and procedural safeguards to protect Customer Information. Approprtate employees ors authorized to acce~ Customer information for business purposes only. Our employees are bound by a CDOde Of ethics them ra~ires earrfldentir~ treatment of Customer Informatlon end era subjectto disdppnary a~c#ion if they fait to follow this code. Z. COLLECTING INFORMATION VNe coped and use various types of irrforrriotion about you and your aexourats to service your ocoounis, save you i3me and money, better respond to your needs, and manage our business and risks. Customer inforrtiotion is categorized 'sn the topowing sbc ways: A. tderhtificatioer Mformalon information diet idenliHes you such as name. address, telephone number arxi Social Security number. B. Application ini`orwrattan - mformaticn you provide to us on apptioatiorrs and through other means that will help us determine if you are eligible for products you request. Examples indude assets, income and debt. C. Transaction 1M11d Experience IMomtstion - infon~rtian about traneootions and account experience, os weft as Information about our communicotioms with you. Examples indude account balances. payment history, aoooumt usage, and Your inquiries and our responses. A. consumer !Report Mformation - infom'tation from a consumer r+aport. Examples include creditworthiness and oredR history. E. Infonmatiott tr+om Outside SautCes -iM'ormatbn from outside sources regarding employment, aedH and otfter retatiorrahips that will help us determine if you are e~gibie for products You rec~,est, Examples include empioymr±nt history, loan balances, cwt card belatx~es, property insurance coverage and other verifications. F. ether tienerai InFanmatlon - iMormation from outside souro~, such as data 1bm public records, that is not ass~nbled or used for'the purpose of determining etigibiiity for a product or service. As required by the u3A PATRIOT AGt, wE also collect information and take acxions necessary to verity your idendfication. 3. MANAt31NG MIFORtiilAT10N We manage how and vyhen information is shared: • Within Bank of America . Wltti companies that work for us . With third parties • In athershuations Managing intartnation within Bank cfi America Bank of America is made up of a numtyor of companies, tndudir-g financial setvioe providers such as our brokerage company and Gait card company, and norrtinanaal companbs such as our operations and servicing subsidiaries. Bank of America may rare arty of the categories of Customer information among our companies. For example, sharing information could saw you time opening your ns~w account since you may not need to famish the same inforTnatlon twice. Sharing irrfom~ation also allows us to use information about your ATM, credit card and check card tranaaotions to identify arty unusual activity and then oorKacx you to determine if your card has been lost or 5toten. We occasionaNy receive medical or heaRh iMomration from a cwatomer if, for example, a customer applies for insurance from us. We also may otxain information from insurance support orpanizatbns not affiliated with hank of America that prepare and provke reports to others as weN as to us. We do not ahate medical or health information among our companies, except to maintaM or collect on sow, pr+ooess trarrsections, service customer requests or perform insurance functions, to the extent permitted by taw. Martaping information with companies than work tar us We may share any cf the categories of Customer Mfarmation with companies that work for us, MdtMinp companies located outside the United States. All nonatYiliated companies that ad on our behalf and receive customer inforrrration from us are oontraduaily obligated to ~p the inoormation we provide to them cOrtfidentlal, and to use the Custorrrer IMorrtratfon we shsn3 only to provide the services we ask them to perform. Those companies may .include flnanciai aervioe providers such as payment processing companies, and nonfinancial erxrrpanies such as check printing and dots prooe~trrp companies. These companies might assist us, for euemple, in processing yourtransacrtions, mailing ac~a,nt ststernents and fulfilling your Service requests. In addition, vre may share any of the categories of Customer information with companies that work for us in ceder to provide marketing support end other services, such ~ a service provkier that distributes marketing materials. These oompaniea may help us to market our own produds and services, or other products and aetvic:es that we belleve may be of intere~ to you. Pl•ase note that soma of our own companies may ptpvide marketing support and other services for us as weu. Sharing information with third parties for rxq~oniara with crrdit Cards and Sportsoned /Lccourtts only We may sham Identifk~ation Information, Transaction and Experience fmfarnaRton, as well as Other General krforrlation we collect about each of your (1) Hank of America or wrahiA credit aaro account(s) and (~ Sponsored Accounts at Bank of America, with selected thud patties. 1. Credit card ac~unt information, whether oo-bnutded or not, may be shared wkh third parties; and 2. Spota3ored Account irrforrrradion may be shared with third parties. Sponsored AtxaouMs are non~cradit Card aaoounts or services provkled by Batik of America or MBNA that are also endorsed; ao-branded or sporlsa+ed by other organizations. Examples of fracas organr>!ations inducts colleges, sportir~j teams, retailers amd other aftkraly . or+gamisatiormr, such as charities. Sponsorod Accounts may hrclude deposit accounts or other banking services provided by sank a America, such as a savings account oo-txsnrled with an automobile dub. You wiN know whether an acacount is a 8ponaorod Aooount by fire appearance of the name or logo of the sponsaririp orgamitcatiar on account materials. such as statemertis, applications and oniirre forms. We may share infomratlon about cretdR cards and Sponsored Accxunts with selected third pelves inducting: Financial services companies (such ~ insurance egertc~es or companies end mortga~ brokara, and or+panizaRions wkhh whom vMe have agnentents to jointly marital finandat products): Nottfinanaiat corrgpanies (suds as retailers, travel companies and membership ergaMzatlorrs); and Outer companies (soar as nonprofit organizatans). IMomristlon shard, a: daseribed in this section, U limibd to Credit cards and $ponsorad Accounts onty. You may electt to opi out of this sharing. iak~e see Section 3, Honoring Your P-eifenenoas. f7~cioshtg inifoernanton in other situations We also may disdost any of the categories of Customer Information to credit bureaus end similar organizations and when required or permitted by law. For eowmple, Customer Information may be dbclosed in connection wiat a subpoena or similar legal pr+ooess, fraud prevention or irnestigation, risk management and security, and r+eoardinp of deeds of trust and mortgsiges in public rocor+ds. Customer irtfonztation may also be disaoaed ~ companies that proce~ your requests for products or services or in connection witty the frale of your'aooount to anotfier finendal instRution. We alb may share arty of the categories of Customer Information outside ~artk of America companies when we have your consent, such as when you rtaquest a spearF"ro insurance raft quote from athird-party insurer. 4. MAIQNG sURL INFORMATION is ACCURATE iCeaping your account information accurate and up to date i$ very important. You have access t0 your account information, which includes your contaa information. account balances and transactions end similar informatioon, which wrr provide to you through various means, such as account atatemerRs, t~ephone banking. Online Banking and in response t0 specific requests. If your accourtl information is ine~mpkte, inaccurate or not a,rrent, please nail ar write to us at the telephone number or appropriate eddr+ess for such changes listed on your account statement, bank records or ether acoourtt mratetiais. We wilt promptly update yr cares any erroneous ir+formatian. S. F~NC1RiN0 YOUtt PREF><RBNCES You hav! choices when it comes to haw Bank of America sharaa And uses information. Sharing Among t3ank of America companies You may request that Application Irrlormation, Consumer Report inforrratbn and information from Outside Sources net be shared among Bank Of Ametca companies. Information i$ shared among Bank of America companies to complete appicatiams for new proeucts or services that you request, thereby saving you time, ants to manage vur business and risks. Lkrring the Hormel course of doing business. we wia continue to share Identlecartion Infonmation, Transavtlat amd Experience Information, as wall as Other t;3aneral Ir11'ormdti0m among our cwrmpatties. Vstmo»t J+ssldisnts -sea edit~lcnal kebrma~On at the end oithls paltry. For sharing among Bank of Arneriaa companies; each customer may tell ue his ar her ~f~er+enres individually, or you may tell us the Preferences far arty other customers who an )Dint account owners with you. Options for sharing wIm third patties for custorrfers with credit carries and Sponsored Acaourtts only K you have a Bank of America or f<IIB1+iA Credit card or Sponeotvd Account, you may raqueat tf~t we not share informatlon about these aocour~ with third parties. It you are unsure whether any of your aa~ourns are Sponsor+erf Accounts, place oorrtad 1.i~ae.341.6t1G0. If you requosi chat we nat share irrfom+ation witlt third pertlls, we may still shah inbrmation: . where pentdtted or squired by law as diatxwaed in Bection 3 under ~ MMtrriatbn >n oHrer mltuatlorra; and • with our service providers as diaCUSBed in 8ecxion 3 under Menayiinp fnibnt~fon wlt'!f contparrles that wank Ibr tss; and • wkh other ~nnandal canpanies with whom we have joint marketing agreements. If you do not have a credit card or Sponaond Account, this section toes not apply to you. It you have muhiple credit cards or ;3ponsor+ad Accounts, you will need to expraas your pcetergnce fcr.aach acxount separately. when any cx~stomer on a joint aCCOtlnt reque~s that we not share wRh thins parties, we apply that pr~erence to the entire account. Dir+act marketing You may choose not to receive direct marketing aFfers -sent by postal mail, telephone andlor a-mail -from Bank of America. These preferences apply to ell marketing offers from us and from oompAnies working for us. To minimize the amount of telephone scitdtatlon our customers receive, Bank of America ao+ies not offer nanfinandet products and Services through telephone solicitations. ~kect marketing afters from us may include infomration about produdm and services we believe may be of interest to you. If you choose not to hear from us, yrw may n~ team about benetlc~ei offers. IP you sled not to receive direct marketing offers by postal mail, telephone and/or e-mail, please Hate that we may cantieua to contact you as necessary to service your aooourrt and for other nonmerket~ purposes. You may also be contacted from your client reiationahtp manager ar assigned account rapr+esentative if applicebie. Bank of America may also continue to provide marketing IMormation in your regular account mailings and statements, induding online and A7M c;ommun~catians. F.aoh customer may opt out of each direct marketing optbn individually. Since marlc~inp programs may already be in prvgn3as, it may take up to 12 weetcs for your preferences to be fully effective in some situations. 6. ACTIONS YOtJ CAN TAKE You can tail ~ your preferences by: . Notifying us at bankofamerlca.cwrn/ ac~r and erriering your irdarriiation on a secure Web site . Calling us toll ft+ee at 1.~ti.341.5000 . Talking t0 a customer representative at a banking, center or to your gterrt relationship manager When you contact us, please be preparod to provide ttre following intonnatian for each individual: . t=int name, middle inibai and last name . Address, city, state and ZIP code 10 . Account or reference number for third Party shanng opt-outs • social Seourihr number . Telephone number (if applicable) . E-mail address (iF applicable) if any of these pieces of information change, otherthan your account number, please notify us to emsure that your preferences are consistentgr honored. Ontx you have told us your preferences, we wiil continue to honor them. You do not need to take any further action. 7. QtJiARDiNd YiDUR OVYN 1NFORiMAT1~JN Bank of Ametk~r recommends that you take the following preca<,tions to guard apainat the disdoaure arxi unautltortZed use of your account and personal intortnaiion: . Review your monthly account statements thorarghly acrd report any suspcioue activity to us. • Report lost ar stolen dlecks, credit or debit Cards ittiiTledfatety. . Never provide peraatal intorr»ation over the phone unless you have initiated the call and know with whom you are speakitrg. t7o not preprint your driver's tkxnse or social Security number an checks. . safi~uard ATM, arodit and debit cams. Memorise PII~ (personal tdentllficcation numbers} and refrain from writing PIHis, 8odal Secs~r numbers or credR cans numbers where they.aoutd bs found. . storo oarrcelied checks, new checks and account statements M e safe place. . Tear up or shred any Pr'~app~~ credit Offers to which you do not respond. • Review your credit report at least once every year. Make suro ail information is up to date and accurate, and have information rolatirrg to fraudulent transactions deleted. For a tree copy of your credR bureau report, contact annusicreditnieport.oorn or cell 1.8TI.322.8228. . If you think you have been a victim of ~errtity then or fraud, contact one of the thnae ma,~or credit bureaus to place a fraud alert an your account. Far move itKormation about guarding your account and personal infomtat{on, as wNl as our onlint prima, please visit our ilWb sine at bsnkofamerica.com/privacy. Reducing dinRCt marioeting from other comp~anilea You may contest the foik~wing agendes if you want to reduw the amount of advettisMg you receive from companies outside Bank of America: • Crodit Reporting industry. 7o have your name taken off ail pro-approved credit solicitations (Trot jet Bank of Ametk:a soiloitatfons), You may call the credit reporting industry Pre~rcreenirtq Opt-Out number at 1.888.50PTOUT (1.8i38.~67,8888). National qo Not Cdr Registry. Bank ofAmerica supportsthe Nations! po Not Csll Registry, To have your phone number added to the National Do Not Call Registry, you may can 1.888. .1222 orr+eglater at donotcall. . VVir~e this will stop mo Ca IS, you may boll receive tails from businesses where you are e customer. Keeping up to daRe with our Privacy Policy As required by law, Bank of America will provide notice of our Privacy Policy annually, aS long a8 you maintain an ongoing retlaUrxrship with us. To receive the ~z most t~.to-date privacy Pdigr, you can visit our Web like at: bapltOfBnilriCa.COth/priVACy Or Galt Ij6 at ~ .66iS.341.5000. We may males ohatigea to this policy at arty time and wiN itrbrm you of changes, ari required by law. , e. BANK OF AMERICA CQ1VIPlWIES Thhz tsrivacy policy applies to the fdl0wing companies that have oorrsumer customer relationships wRh Sank of America: 9aglrs and Tlust C.CUtly~AflhB Bank cf America. N.A. Bank~of America Trust Company of Delaware, N.A. Crodlt G~nd Banc of America Consumer Card Services, LLC. Bank of America Bank of America. N.R. {IJSA) Fleet Credit Gard Services, L.P. MBNA America (pelavwre}, N.A MBNA America Bank, N.A. ~ and k»~menes pACAP Advisory Partners, LLC BACAP Alternative Advisors, Inc. BACAP pistrltwtors, LLG Sanc of America Capital Management, I.I.G Banc of America Futures, tnc. Banc Of Amerfoa InveSb110nt Servlces, Inc. Banc of America Securities L,LC Bank of America Capilai Advisors LLC Columbia Management Advk~ors, Inc. Columbia Warmer Asset Management. L.P. Mersico Capital Managem~t, LLG White Ridge Investment Advisors LLC lnsursn~ce and MnuJEties BA Agency, Irrc. 13A Insuranoc Serviaes, Inc. ra Banc of America Agency, LLC t3artC of amarica apoency of Nevada, inc. t3anC CAF AmorriCa A~11cy of Texas, fna Banc of America insurance Services, tnc. Bank of Amerba Reinsurance Cocporatiort Fleert lnawoirice Services, LLC t3enerai Fldeiity Insurance Comperry deneral f-tdNily Life lnsurana Comparry MBNA trisurence Agency. Inc. Nxtions8anc Insurence Company, Inc. Rur/ a>is~e HomeFoous 3ervioes, LLC NatfonSCtexlit FinanCiai Services corporation Autonro~Nla Finsaclny Banc of AmoniCa Auto Finance Corp. For a cement 1Nst of Bank of America oompani~ that have aonximer customer r$tationships and to which this policy'applies, plebe visit our Web site at ban(ool~imericacomlprtvacy. Thy potlcy applies to consumer customer reiatioriships established in the United States and is eiFedive Juy 1,2006. This notice Constitutes the Bank of America DC Not Call Policy underthe Telephone Consumer Protection ACt fOr all consumers and is pursuant to state law. You may have other privacy protections under state laws, such as Vermont and Caiiforrlia. To the extent thaw state laws apply, ws will conoply with them with r+egani to our information praCtk.es. For Nevado rasidemts only, Nevada law n3qufres thou we also provide you with the foHowinp oantact information: Bun3au Of Consumer Pr+otec~lOn, Office of the Nevada AEtomey General, 555 E. Washinybn St., Suite 3900, Las Vorpas, tV1! 89107; Phone number- 702.486.3132; a-mail: u i3CPINFQQltaa.siate.mr.us. Bank of America, Pfa Box 25118, FL1..300.02.07, Tampa, Florida 33833-0900. 1=0r' NI91?110t-t resldaryts of7/y. i'rie fnibrrnador~-shal73rp practices desafbad above are frr accorderioe wlttr Fedbraf law. VerfnorK taw ptaoes addirionai Nrr~fts on shaeing lrefhrzretion about Vern'lortf residents so long as they r~errisin nsidernts of verrr~ont: M acoordanoe with Vermont law, t3anic of Arrrarica wAl not shar+a Tnbnreation rva <aollect about Vemiortt r+~+sldents to compardes outside of Bards of An-e~ios except as ~. ~To bycorr~nfes that perlbtm marketing or otltee' aervloe~s on our beharp • Nance, conlaot ere01 rra-~actJon and experlanoe Anlbrfnetion (audf as 1>~ asxadunt balerroe and payrnerrt hfa[ory) to adee~r AhandlN Inai~iarrs wl<fr ~filoh we have ,~bktt mark~et/ng aptaements; ar' • Wlfh rive suthaization or c;ons+errt of the 1lermortt.r+esi Bank of America w~ rfot share A,~ Mforrriat3on, consumer' Report lriformetian and lnibrn>atlon l1+om outside SocM~as about Vermont r+eslderlts among the Bank of America oomparsies exempt wXh the authririaatlon or canserrt of the Vermont resident. Eataa nonnas aasyln eiisponib~s an espgAof a teevfs tM to sucunsai bancatia de su hxalidad. *15 U.S.C 8801.6810 1Ne reserve the rl~t to chrrrpe the teterw oT this Ayrneerrent ~ any thew, as furtlter described In the i~1loiMnp ssotiorae: Bahrnce celr~orlas and wo May Anesnd hies Agrwnasnk +s YOUR CONTRACT WITH US Your Agreerrx~nt with us cons~ts ofthis Credit Card Agreanrerrt end any changes vva make #o # from tlma to time. The terms of this Agreement apply to you K any of you appN~ for and were granted en account, used the account, maintained the aacaur-t, auxl/or otlterwlae accepted the account. You agrw bo the harms and ~ondf#ions of this Agreerrwrrt. WORDS USEO OFTEN IN THIS A~i1~EMt':NNT „Access chock" means an access check we pmvide to you to make a Check Caeh Advance on your account. "Agn~ement" or "Credk Card,ggreertrant" rrwians this d~ument and any cMnges we make to this documerR from time to time. "APR" rneens trie comrsponding Annual parrxntage Rat.. The APR corresponds #o the DaNy Pertodlc Rata {"f)PFZ") which is oaloulated by dividing the corresponding APR bl/ 385. "Card" means all the credit cards wa issue to you and to any other parson with authori~atlon for use on this account pursuant to this Agreement. "Cash Advance" means the use of your accourrt for a roan obtained: 1. at en automated teNer machine ("ATM Cash Advance"); 2, by a transfer of funds inltllt#ed by us at your roquest {"Balance Transfer"}; 3. at any tinenoial in:ti#ution {e.g., to obtain cash, money orders, ortravelers checks), including aKerdratt trenssotions if this aooourrt is eligN~le for and properly enroNed in en overdraft protection program, ak any non-Tinarrcial institution {to obtain cash), or for any paym6nt ya- make to us that is returned tc us unpaid for arty reason, induding the misted finance charges ("Hank Cash Adv~nca"); is 4. by an access dteak you sign as drawer ("Check Cash Advancer'). "Cash Advanos° indudss TranssoGon Fees and ad~stmer>ts associated vvftfi any Casf+ Advance. "Dei~ult Rater' mwns the APR which may be applied without further' notice to your account In certain instanoss aE your default, ss descxibed In the section titled, Annus/ Pvrc.ntape Ratan. "Foreign Transaction" means any trarn<aciion made In a torelgn anrsnay (including, for example, online purchases from fone-ign meroltants). "Grace Period" means the period of time during a billing cycle when you will not accrue Periodic Rata Finance Charges on certain transaatlons or balances. 'New E3atance Total" moans the tatai txlkd amount as of the Closing l7ata of a billmg cycle, ss shown on your monthly staterrlsrtt. To detsrminethe View Balance Total, we start v~th the total bahnce at the beginning of the blling cycle, which is the "Previous Balance." Then we subtract payments and credits. Than wa add Cash Advances, Purchases and finanot charges. "Pay in Fulf' or "Paid in Full" means payments and credits in a billing cycle totsMng at least your previous billing cyds's New Balance Total. In general, Pay in Fuli must be made by the payment Due Date in order bo gat a Grace Period. "Promotional Rah' rr~ns a temporary APR that may bs aff'ered an a balance category for a designated time period, at~d may be subJact to other conditions. "Purchase' means the use of your card or account number to: 1. buy or lease goods or sorviaee; 2. buy "Cash Equivalents" (i.e., foreign currency, money orders or travelers checks from a non-tinanCial Institution, or 1T wlro transfers, person to person money transfers, out-e~network bitl payments made tl-rough ink of America's online bill payment servie.'a, bats, lottery tickets, or k~sino gaming chips) from arty seller other than a tinancal institution 3. make a transaction that is not otf~wrwise a Cash Advance. "purchsse" includes Account Fees, as waH as Tromsaction Fees and acijustmerda assocated with airy Purcrose. 'Vile", "us°, "our", and "FMCS' means FIA Card Services, N.A.. also known :s Bank of America. "You" and "your" msstn each and ail of the persons who aro granted, accept or use an account wee hold. "You" end'your" edso mean arty other parson who hp guaranteed payment of this account, when used in the eaatbns titled, Your Carded blf kh Ua tMe May Monitor end Reoarut Teaphone Calla, and A-bitrritlorr and Lldgatfon, aril when used in each of rho ss+ctior~s relating to payment ofthls account {e,g,, Your Prrxndse tb Pay, end Haw We Af-ocete Your AAyments), We will use the definitions deskxtbed under tfie section heading Words Used Often inn This AgmeNnent or as othanMSe definnsd in the Agreement It was use a capita~ted term in this document but wa do not defiM the tens In this document, the term has the meaning as used in your monthly statement, We use section headings {e.g., IAAorda Used Often in This Aproementi to organae this Agreerrrerrt. The headings are for reter'nce purposes ony. BALANG~ f;ATEGOR~$ When a Cash Adwnoe or Furohase transaction occurs, we add the amount of th® taarnsactionend any associ+rtdak! finance aherges, to onE of the following balance categories: category A • Bebnce Transfers and check Cash Advartaos Category B - A1'M Cash Advances and Benk Cash Advanoea Category C • Purohases Category O - t~tther Balances From tuns to time, we may move oet#aln balances from one category tp another (tor example, so we can:ccornmodste promotional farms), and we will #ell you when wrs da. Each balance category has Its awn APR. All rates era subject to change. In addition to the AnntrA! PacarrtaQe RaM section, pba~ see how we may change the rates on your account in the section fitted, iA/e II~syAmend This Agreoment. ANNUAL PERCIENTACE RATES Cltbegory A fEatence Tr~in>sfers arnd Chock Cash Advsmxs Promotional Rube The ~rront aorreaponding Ar~luAl~ PERCENTAGE RAPE for Category A balances is a promotional 0.t1Dy6(O.Of)96 DPR) in effect Utrvugh your atateirbnt Closing Data to July ~7. This promotional period wiif end sooner if there is a "promotion tum-otT ev~errt." A pr~omohon turn-off event morns. (1) that any Total Minimum Payment Due is not resolved by its Payment Dine Data; or (2}that your total autsbnding balance ez~eeds your credit limit on arty statement Closing Date. if a promotion tum~off event occurs, than this promotional period will end as of the first day of that billing oyslo. This means that this pranotiona! APR will net be in effect in that bNling cycle. Rate sAerf~to promotional period When the promotional poriod ends, ail new and outstanding Category A baienoes will have a variable rate, unbar we fna+sase fns APR due to DefsuR Prising (sea below LlefataP Prising}. The vaMabhe APR will be calwbted acing the variable APR formula (sae below Veriable Rafe lnforrnation} with a margin of 9.99 perrxntege poirrRs; Mils ourrentiy nssults fn a iti.x4%correeponding ANNUM. PEt3CENTA{3>= RATE (0.0499T29b DPR). Default Prk:irq: The Defsuit Rate for Category A balsnces is up to ?A.fID% corresponding AIMNUAI. PERCENTAGE RATE{0.682144% DPR). We may incrosse the APk on all new end autstanding Category A balanoas up to the Defiuit Rate, without giving you additional notice, each time: (1) wee do not reoeiw 1hs Total Minimum Nayment Due try its Payment Due Late; or (2) your total outstanding balarae eocceads your aeedE Umit on any ~atement Closing Date. Each such inoreaae will bit etteotive a9 of tM fist day of that tn'llinp cycle, but Biter ~arry applicable Category A prdmoticnal period taxi ended {see-above Pnonratbrrai furs). DefauR Pricing does not usa the variable APR formuM. Catagary B ATM Cash Advances and Bank Cas11 Advancas: Tho curtest APR for Catogory B balances is a variable rata. This varlable APIt is cak~lsted using tfie variable APR formula {see below Variable Rate Mfbnnaiion) with a margin of 15,89 pararitage poN>ts; this airrantly results in a 24.?4%oomsponding Af~1t1AL. PERCENTAGE RATE (0.048410% DPR). Th®APR .vNii change if we inweaese the APR due to Default Pricing (see below Default l~lcinq). Defiauit Prklrg: The Defew.rR Rste for Category 8 h.iancaa ie up tc 28.ti1Y76 ,oorrosponding AI~NOUAL PERCENTAGE RATE(6.0421449617PR). We me~r increase the APR on sil new and outstanding Category B balanoeffi up to the Default Rate, vrRhout giving you additional notice, each time: (1) we do sat nac:aive the Tatal Minimum Payment due by its Payment Due Oah; or (2) your fatal outstanding baianoa exeieads your orodit limit on sny statement Closing Date. Each such increase wilt be afhc4ive as otthe Arat day of that bilNng cycle, but after any apQii~bla Cstpory B promotional period has ended. Dateuft Prlofng does not use the variable APR formula, Category C Purchases: a, promaRional Rate The oun~vnt oorrrspottdtng ANNUAL PERCENTAGE RATE for Catrgory C bareness is a promotianal 0.0096{0.0096 DPR) In efiv~ through your statement Gloving D+ete fn July 2007. This promotional priod will end sooner if there Is o 'promotion turn-off went." A promotion turn-off avant means: (1) that ony Tout Minimum Payment Due is not nocolvod by fts Payment Due Date; or {2) tltot your total outstaneiing Halona e your credit Ihrlit on any atatemettt Closing Data. if r promotion tum~ff event odours, then this promotl~al period will end as of the first day osthrt bNiing cyola This means that this promotisonsl APR wBt not by in sKsct m that billing oyoly. Rate sf'terfdto promotional period When the promotbnal period ands, all new and aitsbmding Category C baloncvs will have a variable ratrt unless we inor~se the APR due to Default Pricing (see below DolauX Prfr~). 'T'ire varfable APR wAl be ca~culoted using the varirble APR fonnuto (sea below Uarfadb Rate Mformafbr-) with a margin of 9.09 pansentage points; this currently results to a 18.,4i9~arvsponding ANNUAL PERCENTAGE RATE (O.tNWOT296 DPR). DeTauf! Prioirp: The DafauR Rrty for Category C balances is up to 29.f1'996 corresponding ANNUAL PERCENTAGE RATE{0.08216496 i3PR). We may incxeese the APR on all new send outatvnding Category C baisnc~s up to the Default RaiRa, without giving you addltlonal notice, esoh time; {1) w. do not neoeive the Total MMir-wm Payment Ouv by its Payment Dua Date; or (2) your total outsttandtng baienne e~ooesds your credit limit on any stot~nent Closing Darr. Eoch such lnoraase wilt be effectfiw as of the tfrat day of that b1111ng cycle, but attar any applioabla Category C promotonat period has ended (see above Promoflonat Rates). DvhuR pricing dons not use ties varirWe APR formula. t,.ategOry D t9theT dalgrlCes: The current APR for Cetlga'y d balances is a varfabk rat.. This variable APR is calculated using the variable APR formula (see blow Varhb/e Raft Jrrfo-n-lilolf) v~ith a margin of 9.99 percentage points; thNt cutrently results in s ts.2a9f.nding ANNUM. PERCENTA4E RATE (O.Od~7296 DPR). Tht APR will change ff we inarr+ase the APR due to Det'auft Pricing (see below i7tiaux i~aing}. lilt F'ridnq: The Default Rat! far Category D 6alanaea is up to 2g.gY7i corresponding ANNUAL pERt:ENTAC~E RATE (O.Oti216496 DPR}. We may inCresse the A1aR on alt new end outatertdir~ Certagory O bahrntxs up to the Defeuft Rate, without giving you additional notice, esah time: (t) we do not roceive fihe Total Minimum Peymerrt Due by its Payment Due Deft; or (2} your fatal oubMnding balance exceeds your credit limit on any statement Closing Date. Each such increaee will ba effective as of the first day of that bNiing cycle, but after any appiicabk Category D promotional period has ended. DetauR PMdng does trot use the variable APf~ formu~. VARIABLR RATE INFORMATION The variable APR formula is calculated by adding together an index end a margin. The Indoor ii the hiphesi U.8. Prime Rate ate publ~had in the "Money Rstas" section of The Wall Street Journal on the last pubiica4ion day of each rnortth. The index used to calouleb tho variable rates in this Agreement is 8.2596 and was published an November 30, 2006. The margin fvr each balance eatgory is described above in the Iirrnrlal' AameMape Rates section. An incrrewe or decrease in the index wEll cause a corresponding inaease or decrease In your APRs on the first day of your billing cycle that begins in the sanw mondt in which the index is published. For example, if your billing cycle generally begins in the middle of the month, the index published on September 30th will apply to your account for the entire bill'mg cycle ftom mid-Sepbdr+b~to mid-0ctober. An increase in the index means that you will pay higher periodic az n:~te finance aha+'ges and terra a higher Totai Minimum Payment Oue. if Wsll Jnurnel dose rict publish the Lr. S. Prime Rate, or if tt chd~gte the definition of the tJ_5. Prirrw Rabe, we may, in our sole disct+stbn, substitute anatiter Index. CALCtA.ATICN t7F PERIODIC RATE FINANCE, CHARt3ES We oaiauiats Perbdia Rand Finance Charges for sash balance cebspory by multiplying its i3ahnw Subject to Firanoe Charge by thQ applicaDte OPR and that reautt by the number of days in the biling cycle. 81LLING CYCLE Your billing cycle ends each month on a Ciosing Date determined by us. Each billing cycle begins on the day aRer the Closing Date of the previous blAinp oyah. fieoh monthiy stetamsnt refleata a single billing cyccle.. 1AMEN pt^RIODiC RATE FINANCE Ci}#ARaES BEt~iN TO ACCRUE Each new Category A and Category B Cash Advance begin: to soorue Parindic Rats Finance Charges on its trarrsactlori date. Catsgay A and Category B balances rrmalning frort previous billing cycles aacrus Periodfo Rata Finance Charges lfrom the first day of the billing cycle. Ths tranasotian date for Cheek Cash Advartoes and 8alanoe Transhrs made by check is the date the cheat is first deposited or cashed. The transaction date for a nrkumsd payment {a Bank Cash Advnuxa,} is the date that the corresponding payment pasted to your accourrt. Un(ess subject to a Grace Period, rich new Category C Purchase end each new Category D Other Balance begins to accn,ie Periodic Rate Finance Charges on its transaalon date or the first day of the billing cycle, whichever date is later. Unless subjectto a t3raos Period, Category C balances and Category D balanosa ramalnfng from previous billing cycles accrue Periodic Rate F%7 Fnan~ Charges from the first day of the billing cycle. When appiioabia, Periodic Rate Fnance Charges at:orue daily and oompvund dopy an new balances, and balances romaining from previous bNlirt9 cycles, in each balance category. Periodic Rate Finance Charges will continue to aoorue wen thouslh you have paid the full amount of any related balartoas in a balance category beaausa we include any $acrued but unpaid firnnoe charges in the oafcutetian of the Batanoe $ubJaot to Flnanoe Charge. Your Payment Due Date will bo at feast ZO days from your statement Closing Date. C3R/--CB PLRIdd You do not have a Oraoa Pwiod for Category A or Category B Cash Advances. You will have a Grace Period on now Category C Purchases and rtew Category D Other Balances, in a tHipng ayck in which you Pay in Fuli, from the day aMr the Pay in Fuli date until the and of that billing cycle. Yau will have a Grace Period for an entire billing cycle on new Category C Purchases and new Category D Uther Bslsnoes and on Category C and Category D balances rMnaining from previous trilpng cycles if you Pay in Fu11 by the Payment Due Date in that billing cycle and if during ~e previous billing cycle you Paid in Fuil. CALCULATION OF BALANCiBB SUBJECT TO lriNANCE CHARi:3E Catslegaries A and B-Avery Ba1ar'tae Meflwd tlncluding new gash Advances): We oakralate separate Balsrtoss Subject to Fnance Charge far Category A beianoss and Catvgary B bslanoes. We aakxibte the Balance Subject to Finaoa Charge for loch of these balanarcatagor'ies by; (1) calrxtiatirq a daily balance for each day in the currant billing cycle; (2) calculating a daily balance for each day prior #a the current biping ~rcle that had a"Pre-Cycle Carte Advance" baianoQ--a Pre-Cycle Cash Advance ie a Cash Advance with a trsnsaotiort date ptiorto the current billing cyclc but with a 7i posting date within the curt+ent bitlinQ oyok; (3) adding all the daily balances togethN; and (4) divia;nfl the cum of the daily balanots by the number of days in the cuti~snt billing cycle. To cak:ulate the daily balance far each day in flat current billing cycle, wt taiw the beginning balance, add an amount equal to the applicable DaAy Periodic Rate multipNed by the previous day's daily balance, add new Cash Advana~s and Transaction Fees, and subtract applicable payments and credits. n any daily balanct is less than zero vw treat !t as taro. Ta cak.ulete a daily balanot fot each day Aria; to th• current billing cycle that had a PreaCycle Cash Advance balance, vw take the beginning balance attributable solely to Pro-Cycle Cash Advances (which wilt bo ziro at the tronssdion date of the first Pro-CyaN Cash Advsnae), add en amottr>x equal to the app~cebb oaly Periodic Rye multlpUed by the prevlaas day's daily balance, and add only the applio~it f~ro~Cycle Cash Advanoea, and their related' Transaction Fes•. We eacdude from this caloubtion all trerasadions pasted in previous bNiing cycias. Catb9ofies C mind D-~wriilga i~sily BAlapnce M~ii14d'(IncludMg nlvi- tran~t~iarts:): WC oeloulab stpsrate Balancers $ubjsct to Finance Charge for Category G balanaa: end Category D balanota. wa diculate the Balance Subject to Finsrroe Charge for each of these balance categories by: {1) calculatlnp a daily balance for each day in ttw current bfliing cycle; {2) addir>D ail the daily balance together; and {3) dhriding the cum of the daly baNirues by the number of days in #~ current bii~ng cycle, To calculate the daily baisnce far Bch day in the current billing oycM, we take the beginning balance, add an amount equal to the applicable Dairy Periodic Rate multiplied by the previous day's daily balance, add, unites subject to a CireaePoriad, newtrensactiorwc, new Account Fees, and new Transaction Fees, and subtract applicable payments and credits. tf any daily zs balance is less than zero wt treat it es zero. If in the ourrtnt biding cycle you Pty in Fuil, then on the day attarthat Pay in Fuii data, we exclude from the beginning balanot new transactions, new Account Fels, and new'Tr>ansactian Foes which posted on or bafor~e the Pay in Full date. We ir-clude the costs for ondit cent debt dnoellation or credit insurance purchased through us In catculelktp ttis beginning balance for the Bret dory of the b0ling oyde after tho billing cycle in which such rests are billed. TRAI~ACTIQN FEE FINANCE CHARGES If you obtain an Al'M Cash .Advance, wB will assess • tmnseotion tat (PIiN!-IiCE CHARGE} equal Zo 3.0096 of the U.3. ddlar art+ount of tech such Cash Advance (Fee: Min. 510.00). Them is no trenseotion foe for a Batenc:e Transfer. If you obtedri a Bsnk Casty Advarroe, we will assess a trensaexlon isat (FN~ANCE CHAR©E) equal to 8.0096 otthe U.8. dotter amount of eACh such Cash Advanot (Fte: Min. 510.00). This fee is r-at asstssod for a i3enk Cash Advance rosuldng from any payment you make to us that IS returned to us unpaid for any reason. K you obtain a Hank Cash Advance (other than through an overdraft transadian), VYe will easels a transaction fat (FIhWNCE ChIARGE) equal to 8.0096 of the U.S. doikir amount Of each such Cash Advance (Foe: Mtn. 510.00). This fee is not assessed for a Bank Cash Advanra t+sawking from any payment you make to us that is returned to us unpaid for any rtoson. If you have enrolled this account to provide ovtMratt protection, Ws will assess a ttansaclaon fee (NiYAFICE CHARGE} tqual to 3.0096 of the U.S. dollar amount of esoh such overdraft transaction that posts to this account (FEe; Min. $70.00). If you use your card tv purchase Cash Equivalerda, vve will assess a transeodon !te (RINANCE CHAtgQE) tqua~l to 3.0096 of the U.S. dollar amount of tech such Cash >^quivalent Fee; Min. S1d.Od). Thy tea does not apply to out~o~network bill paymorrts made through Bank of Ametios's online biA peymsnt saavice. There is n0 transaction fee fir a GhecK Cash Advance. li you make a ForNgn Ttarcaaction, we will assess a transaction fee (t1NANCE CtlAtctGE) equal to 3.4096 of the tJ.t3. ddfar amount of eeoh such Foreign Transaction. This is in addition to any other applioabla transsction fsas. ACCOUNT FEE8 The fdlowinp fees ate ASSassed ss t~ur+ctiasvs in the billing ~ in which th®teas accrue: There is no Annual Fee. Ari t?veAinllt Fee in each billing ofncle whore your to#at outstanding balance succeed= your oredlt limit. The C+verlimit Fes well ba assessed evran if tses or flnanoe charges aasassad by us cause your total outstanding balanw #o succeed your oredit IImR. The Orerlimit Fee will be assessed ss of the first day in the bfllirip cycle that your trstal outstanding bapmca was over your credit I imit. No more than one Overamit Fee wfli be charged in each biNing cycle. If your Previous Balance szcesds your credit limit at the beginning of • billing eyrie, you will have an opportunity to avoid an Cverlimlt Fes in that billing cycle. To avoid an Overlimit FN in Chart billing cycle, your totAf oc>Rstsndinp balance must be less than or aquas to your oredh limit on the 20th day of the billing oyola and must terrain luelow the credit timR fw tTce rost of that biltfng cycle. ff your total outstanding balance sxcaeds your ca+sdit limp on the 20th day of that billing cycle you will be assessed sn Gn+erlimlt Fee as of the 20th day. if your total outstanding baMnw is less than ycur credit limit on the 20th dsy of that billing cycle but exceade your cradle timk on any day atthr the 20th day, you wi(1 b0 assessed an Overtimit Fes as of the Rrst day afterthe 20th zt' day in which yow total outatandinp balance .exceeds your cxedit Ifmit. Tht amount of the CtierlMtR Fee is based on the amount of your total outa4anding balance on ifie date as of which the (h~arifmlt Fee is assessed wnd is ss follovra: • if the toter outstanding balance Ls $500.00 or less, the Ovettimit Fee will lie $15.00; if the total otttstandirq balance is greater than ~f600.00 but 11.000.00 of less, the Uveriimit Fee wilt bQ'j29.00; if the total outstanding balance is greater than $1,000.00, the Cwertirmit Fee will be Ss9.oa. A Late Fee, if the Total ArNnimum Payment Oue shown on your monthly statement is not received by us on or before Its Payment Oue Date. On the Late Fee trera~#ion date: • if the total outt-tattding balallGa is ;100.00 ar lass. the l.aete Fee Y~II be 513.OD; if rho total outstanding patancx k greater than >11100.00 lwt 5230.00 rx lels, the Lartt Fee wilt be 529.00; if the total out>s`taraiinp balance is greater than S~b0.08, the Late Pee will be 535.00. A Returned Payment Fee of 339.00 H a payment on your Account is returned for ineufHcilxtt funds or fur any other reason, awn if it is paid upon subsequsrd pratentment of we elect to re-present the payment}. A Ratumed Check Cash Advance Fee of 539.40 if vNe return an access check unpaid for any reason, even tF5-e access c~+adc is paid upon subsequent prosentment. A Copy Fee of 36.00 for aecdt copy of a monthly statement or cafes drag, eKOept that the six moat neoent monthly statements and one safes drafts will be provided far free. An Abandoned Property Fes equal to any dots incurred by us for oompying vrith state abandoned property Iaws, unless prohibited by applicable Iaw. faVERD1RAFT PROTE~ON if your ohockinp account with Bank of America is linked to this account. this overdraft proRwctlon feature will ailo~w funds to be tranaforrod ("overdraft protection transtors"~ from this account into your dorigrlated chadcinp account with bank of America ("checking accaunt") when tronsadk~ns OOOUr on your ohoddng sooount, such as checks or other debRs, that K paid would cause the aheddnp atxayurTt to be overdrawn ("overdraR transactlons"), t~verdnatt protection trsnsfera lndude automatic transfbrsto corer checking account tees. OvardntR protac~ton transfers are processed agar dose of business Monday ttuaugh Friday and are treated at Category B Cash Advanose. Each day's avardraR transactions will be tctalad end rounded to the next 5100 (52S if you opened your checking account in Wsahington or Idaho; 550 if your checking account Is opened vdth NHlltary Bank} increment up to your avagabls credit Hmit, regardless of wive initiated fife overdraft trar-eactiana. For exempla, if your checking accourrt has a balance of 51.00 and a check or other debit item for 5125 is praaented for payment, which K paid wand cause year cfiecking account to be overdrawn, sn overdraft protection transfer of 5200 will be made to your chackinp account and a Bank Cash Advance of SZ00 will post to the account. The amount of available credit on this account must be sufficient to rover the total amount of overdraft tranwactions (r'acoh~od by Beak of America that day) rounded to the next 5100 lnororrwnt (tort excluding any overtRaR protection fee); otherwise one or more of the overdraR tn~nsaaliams for that day will bs rejacts~d. However, iftha available credit an thi: account i$ preRDer than the overdraR transaction amount, but the available credit is insumclent for the overdraft transacgon amount to be rounded to the next 5100 inpwnont, than the amount of the overdraft transaotlan will be rounded th the highest whole dollar amount of your awilable credit (And in a3 .such an event, ri-e accrued finance char0aa may result in an Overlimtt fee.) We may penntt or refuse to pormit any overdraft protection tranatier that would cause you to e~oaaed the orsdit limit on this account; but if ws permit it, you maybe assessed an Overumtt fee during the bilArfg cycle in which tho transfer occurs. This ovsNraft protection feature wilt automatically be cancelled if this account is obsad by aittier yvu or us, or at any time upon your roquest Your avaniraft transactions romain sub]vot to the terms of your ohecldng socount with Banc of America, any rebated enrollment agroement, and this ~. sl©N YOUR CARD You shout sign your card before You use it. ticwit TO t,18E YouR ACCOUNT You may obtain credit in the form of Purchases and Cash Advances by using cards, access chocdcs, your acoourrt number, or other oradc~ devices. WE MAY MONITOR AND RECORD TELEPHONE CALLS Yau consent to and authorize Hank of America, any of its aflll~tes, ar its marketing assoaetes to monitor andVor record any of your telephone corwer~satiorrs with our ropres9Matives orthe rvpresentaWes of any of those companies. Where you haw provided a cell phone number directly to us, ar placed a Dell phone call to us, you oor>srnt and ogres to accept collodion calls to your Dail phone from ua. For any Waphone or cell phone ells we piac:e to you, you consent and agree that those rills may be automatically dieted and/or use recorded messages. CREDiT REPORT1Nyt At~NCIES; COLLLCTINQ AND sHARiNQ INFORMATION You authorize us to collect lntormation about you in order to conduct our business and delhror the top quality sarvioQ you affect, including Information we re~va atmut you, iMormation we receive from third parties suck as credit repotting ao agencies and information about your #roneactions with us and alher companies. You authorize us tD sharo such information about you or your account with our affil~tes and others. You may have the right to opt out of some information sharing. For more details, please refer to our PrHaoy Pv11cy. N you belheve we have flumished inaxurate or incomplete iMorrrtation about you or your a«~unt to a eredlt reporting agency, writs bo us at: FIA Card 3anrices, N.A, Credit Repotting Agencies, P.4.9ax 17064, Wlimington, DE 19684-7064. Phases include your name, address, home phone number, and aooouM number, end expitliin what you believe is irsaccurete m incomplete. P1JRi~OSES ROR USING YOUR ACCOUNT You may use your exeunt for personal, family, or household purposes. You may not use your account for business or cotrtrrsernlal purposes. You may net use a Chadt Cash Advance, or any other Cash Advance, to make a payment on this or m-Y other credit aooormt with us or our efiillstes. You may net use or permit your account to be wad to make any illegal transaoffion. You will only use your account for transeoNons that are lags! where you conduct thevrt. For example, tntemat gambling transactions mrry be illegal In your state. Display of a paymertt card logo by an ongne mervhatrt does not meets that an Internet transsotfon is legal where you conduct it. We may vhatge your account for such transactions. Wa will not be liable tf you ~rgage in an illegal transaction. We may deny authorization of any transaction identified as Internet gambling. P'~RSQNS U91Nt~i YOUR ACCOUNT if you permit any person to use your card, access checks, acr~tu~t number, or other er'edit devise with the authoriYation to obtain credit on your account, you may be tfat>te for sit transactions made by that person including transactions forwhiclt you may not have intended to be liable, even 0 the amourrt of those a~ transactions causes your cxedlt limit to bs •xoesdpd. Authorized users of this account mey have tl'w same access tc information about qre account and its users as the account holders. Ws may send acoarnt m>tdsrhls (cards, stetem•rtts and notkes) to any Ilable party, .and that prpson will b• responsible for dattr+ering itrwe materials to the otlter iieble pari3vs and sufttarized user. IVotioa to any of you wNl be conaldarsd notice to all of you, You may allow auflwrizsd users on your account in the following ways: (1) by notifying us that you want someotta added to your account as an suthort;ed user, (2) by lending your Deed or aexount Humberto another, or (3) by any other ways in veFrloti you would bs IegaUy considered to haw aNorwd another to urn your accOUnt or to be legally Pm•''~'d from denying that you did so. You moat think carefully t»bre you allow anyone to b.corne an suthoriz•d user. 9y doing so, you authorize the person to use your account to the same srdsert you can, ir-cluding but not limited to maWng any pure~asss, cash advenoos, balance tartsfera end aflnwing others to use your account. Your account does not permit you to limn the mature or amount of authorky you giw to any authorlxad user and you wi11 not attempt to do so. An authorized users authorfly wfN continue uertil you both m~fy us that you era terminating the authority and you physbafly retrieve tits card, if you cannot retrieve the card, you will rerrrein I'iable for arty transaaBons that we cannot prevent after ycu notify us. YOUR PROM~iq TO PAY You promise to pay us the amounts of all aedit you pbtein, whloh includes all Purchases and Cash Advances. You ado prwrtiss to pay ua all the amounts of finanav charges, tas, and any other transactions we charge to your account. if a bank branch or office sponsors your sooount, you promise to pay it arty unpaid account balance it pays us within 30 days. PAYMEN'1"S ON YOUR ACCOUNT You must pay each month et rest tM Total Minimum Payment Due shown on your monthly statement by Its Payment Due bats. Your Payment Due Date may very from month to a2 month. Payments must coMorm to the requhemersts set out on that monthiy statamanr thesd req<lir~smarrts may vary without prior notice. You may pay the antlre amount you ovw us eR any tlme. Payments msde in arty biHirr9 cycle that are prwitar than tM Total Minimum Payment pue grill twt affect your obiipatlon to make the Hood Totai Minimum Payment Dua. If you overpay or K there is a sxadit lrefanca on your account, we will not pay interarst an such amounts. We wilt rajact payments: that an not tlrawn in U.S. doNars and those drawn on a Ansmciat irlstlt<Itiors taoehd outside of rho United States. W~ reserve the ri0t-t to rajact any payment 0 your aooount has a credit balartae as of the day wa reoelw that payment. Payment of ypur Total Minimum Payment Due may Hat avoid th• aesesemsrst of Owr{imit Fees. t3snerally. cradibe to your acxount, auoh as droaQ ganexated by marchsnts sx by P~acsn-ta"parxon mangy' transfers, are not treated as payments and will not reduce your Tamil MMimum Payment Due. We ptocesa most payment checks rrleestronioally. We use the information on your check to create an eieetronic funds transfer. Each tlme you send s chock, you authorize a ane~ima elactronio fiords transr~. You also authorize us to procaas your aback ~ a chock or paper draft, as necessary. Funds may ba withdrawn from your aosossnt as soon ~ the same day wre receive your payment. You will not rrlcave your cartrxlled check bacawe we are required to destroy it We will raisin an eleotronie Dopy. For more Irltormation or to stop the oonvarsion of your ahsda into eiactrorric funds transhrs, call us: ak the phone number Crated on (ttrs front ot) your monttsty sbstemant or on your cant. Yau may also wrt6s to us aR: P.b. Bax 16079, Wiimington, DE 1~85d-6019. Tt7YAL M1NiMUM PAYMENT DUE You may pay yourtohl outstanging balance at anytime. Each billing cyote, you must pay at least the Total Minimum Payment Dug shown on your monthly statement by its Payment Due Date. Tire Tatar Minimum Payment Due is ttse sum of off past due amounts plus the Currant Payment. 2'd Tha Current peyrrtlrlt Tor eeoh billing cycle include three amounts; {1)1.4096 of your batnn~ {your New 33alenoe 7obl except for any new Periodic Rate Finance Charges, end Late Fee), end {2) new PeHodic Rste Finance Chaves, and (3} new lab Fee. The Cumerrt Payment Is Dapped. Oanarally, the lowest it will be is 516.00 and the highest It could ba is 696 of your Now 8aianoe Tohl. We round the ~yment amount down to the nearest doll>Mr. !f s payment is Dredhed to your aocourrt but h returned unpaid in a later billMg cycle, we will ns~culate the Total Minimum Payment Due torthe bilNng cycle in wMah the peymer,t was orlglnaRy credited. WHEN YOUR RAYMENT WILL BE CREDITP~ TO YOUR ACCQUfNT W® credit payments as of the dab received, it the payment i:: (1} received by 8 p.m. Eastern time; {2) recxMed at the Address shown in the upper left-hand corner of the front of your monthly statement; (3) paid with a cheokdrawn in U.S. dollars on a U.S. Anano~l institution or a U.S. dollar money ceder; and (4J s'ent in the return ernreiope waft only the top portion of your statemenrt eccompanyirig iG Payments necaived aTbr B p. m. Epstam time on any day inDludirrg the Payment Due Date, but that otherwise moat the above requirements, will be aadibd es of the next day. Credit for any other payments rney be delayed up to five days. HOW WE ALLOCA'T~ YOUR pAYMEINTs We will allocate your payment in the manner w. determine. In mast inabrxres, vre will sitooete your payments to balances (including transactions made aRer your latest sbt~nerft) with lower APRs be4bra balances with higher APRs. This will result in balances w+th lower APRs {such as new balances v~Ath promotional APR otters) being paid before arry other eDaeting balanoas. 34 PROMISE TO PAY APPLIES T4 ALL PERSONS Ail persons who inidaity or sutnequentty request, sccxpt, Quarantes or uee the account are individually and together responsible far arty total outatandlrg balgmoa. >f you and one or more persona are reaportalble to pay any total outstanding bslenoa, we may refuse to release any of you from lisbility unh'i all of the cards, access cheeks, and other c~adlt devicxs outstanding under the eooount have been returned to us and you ropey us the total outstanding balance owed to us at any time under the terms aF this Agreement. DEFAULT You will be in deteuR of thb Agroemant if. (t ) you Nil to make any required Total Mfiimum Payment Dui by its Payment Due Date; (2) your total outstanding batence exceeds your credit limiN or (3) you faU to abide by any other berm of this Aproamant, Our failure to exareiee ~,y of our rights when you dsiisult does not moon that wa are unable to axerciae those rights upon later defauk. WHEN WE MAY REQI~RE IMM>RDWTE PAYMRiNT If you are In default, then in addition to our other remedies under this Agreement, w$ oars tequlr+e {mmediate payment of your tohi outstanding balance and, unleoa prohibited by applkxble Iaw arxi eoeaept as otherwise pnvided under the Ari~ifavr and L~IDaffon section of this Agreement, wa can stso negvine you to pay the coats we incur in any ao0aotion proceeding. as wall as reasonat-M attorneys' fees it we refer your accoutrt for cotlection to an ettomey who is not our salaried empkryee. OTHER PAYMENT TERM We con arxopt late payments, partial payments, or payments with any restrictive writing without losing any of our rights under this Agnamant. This marina that na payment, including those marked with "geld in full" or with any other restrictive words, shall operate as an accord and ertlsfsction withoutthe prtorwritten EL approval of one of our senior oifMcers. You may not use a postdated ohaok to mak®a payment. if you do postdata a paymert oheok we may elect to honor it upon presentment or return it uncrodked to the peraort that presented it, without In +' case waking for the date shown on the CheC4G. We are not lisble to you for any loss or rxpense inourrod by you arising out of the action we elect to take. PAYMENT' HpL~AYg AND REDUCED PAYMENT OFFERS Wa may allow you, from time to time, to omk a monthly payment or make a reduoed payment. Wa wilt notify you when these options are available. If you omk s payment or melee a reduced payment, finance ohargos, applioabis fees, and other regul#rtrarrssotiont, if arty, wiN aoorus on your eooouM balances in accordance with this Agreement. The educed payment anwuM may be less then your Tirauux oherpvs. You must make the reduced payment on dme to avoid a 1sb fee. You must resume rhakinQ your regular Total Minimum Psyment t]ue each month folbwing a payment holidry or reduced payment ofi`~. YOUR CREWT uMIT Your crodk limk is disclosed to you when you receive your card and, ganersiry, on each montt-ly strtement. We msy change your credit limit from time to time. T'he amount shown on your monthly statement as Cash or Credit Available dose not take into account any Purd~ases, Cash Advances, tlnance t~arges, fees, any other transadione, or credka which post to your so~urd attar the Ching gate of thud monthly staterr+errt. Such transeenone r~uld nssult in your crodk Nmit being eeooeeded end result In ihe~sssesement of Cverlimit Fees and loss of Promotional Rates. WHAT WE MAY DO iF YDtJ ATTEMPT TO EXCEED YOUR CREDIT LIMIT The total outshnding balance on your account plus authorlaations at any tlme must not tie mote th:n your oredk limk. K you attempt a transaction which results in your total oubtandinq dance as (Plus authorizations) eoaoseding your credit IimR, we mery: (1) permit the trensectlon wlthotrt raieirr~ your credit limit; (2} permit the transaction and treat the amount of the ~ansaclion then is more than the credft limit ~ tmmadlately due; or (9) refuse to permit the transaotbn. if we refuse to permit the transaction, wa may advise the person who eKerr~ted the tratrsaction that it has been nfus*d. M wre refuse to perms a Chock Cash Advance or 13alarrce Transfer, we may do ~ by edvlsirg the parson presenting the Check Cesh Advance ar 8aiarx~e Trsnsfer that otwdit has bean reftesed, that there aro inauRicient funds tb pay the Check Cash Advance or Bafanco Transfer, or in any other manner. If We have previously permitted you to ea~cved your credit lirnk, it does not mean that we will permit you to succeed your cxredit limit epain. ff we decide M permit you to ercoe.d your credit limit which could trigger a promotlon turrwlf wsM, we may also chew'gge en Ovedlmlt Fee as provided in the Agtearnerrt tfifE MAY AMEND THfa At31tiF.EMENT We may amend this A~rwment at any tune. We may amend it by sddinp, delethg, or chenphg pravisicns of this Agmement We may increase or decrease any w all of your APRs. We may inoreaar any or eii of your APRs to retie whirfi exceed the Default Rata Whan wti amend this Agreerrrent we will comply wRh the sppliaabto notice requirements ofi federal and Delaware law that sro itt eltbd at that Lima The amended Apresnnont (hrcluding any hiphsr rata or other higher ahargaa or foes} wlil spply to the total outstanding b~ance, inducting the balance existing be'forrt the amendment became effeotlve. It an amendmenrt gives you the opportunity to reject the charge, and d you rj.ct the che~nge 3n• the manner provided in such amendma>t, vre may tenninete your rfgM to receive edit and may oak you to Tatum ali credit dwlcAS• as a condition of your refection. We may replace your card vrith anaihvr nerd et anytime. WE MAY SUSPEND OR CL015E YOUR ACCOUNT We may suspend or close your acxour-t or othsrwlse terminate your right to use your account. We may do this at any time and for any reason. Ycur obligations undertitis Agre~ernent continue even after wr haw done this. You must destroy all cards, access checks or other cxedk devices on tits account when vra requsst. YOU MAY CLOSE YOUR ACCOUNT You may dose your accoun! by notifying us in writing or by belephextie, and during ail cards, access checks or other credli devices an the account. Your obligations under this Agreement cbr~tinue even alter you have done this, TRANSACTIONS AFTER YOUR ACCOUNT 18 CE.OQED When your aaoount is otasad, you must contact anyone authorized to charge transactions to your account, such as intemet service providers, health ch~e or insurance companies. These transactions may continue to be charged to your aocxwnt until you d~enge the bNlin¢ Atso, if we believe you have authorfzed a transaction or are elternpting to use your aoaourr< alder you have requested ib otose the aooouM, we may allow the transaction fo be d~arged to your account. REFUSAL TO HONOR YOUR 11C000NT We are net liable for any r~elusai to honor your account. This can include a r'efussl to honor your csrtf or account number ar any check wrkten on your aocour~t. Wa an not liable for any retention of your card by us, any other financial instkution, a any provider of goods or services. HOW YOt! MAY STOP PAYMENT ON AN ACCESS CHECK You may request a stop payment on an access ohedc by providing us witi~ the access chaclc number, ddbr amount, and payee exactly as they appear on the' access check. Oral and written stop paymard nquesb on an a~xas check are elTective far six months tram the day that we pleas the stop payment. as YOU MAY NOT PC-STDIITE AN ACCtFS;3 CHECK You may not issue a postdated access check on your accourr~ it you do poatdab an aooees ct-eok, we may elect to horror it upon preeentrtwnt or Tatum it unpaid to the parson prat presented it to us for payment, v~ithout in eibter case waiEing for the dste shown on the access check We are not liable to you tar any toss or expense incurred by you arising out of the adios vw elect to take. '1'RAI~ACTIONS MADE NV fOREIGiN CUitRENC~S 1f you make a tnr~rnadiors in a foroign currency, the transsdion will be converted by Via Intenrational or Ma•terGrd international, depending on vrtrich csrd you use, Into a U.S. dollar amount in aoonrdanae with the operating nrgulstione or conversion prooedun• in el!fed et the time the transaction is pnooaesed. Gurrentty. those regulations and procedures provide that the ounwrcy conversion rate to be used is either {i? a vdrolesale market rate or (2) s gavemment mandated Hite in efi'eot one day prior to the processing date. The currency comroreian rate in effed on the processing dada may ditTer from the rate in efleot on the transaction date or posting date. BENEPIT$ W may aRer you certain btn•fite and sanrioee v-dth your aeaa-rh. Any taarwfits or se+rviaes are sat s part of this Agreement, but are subject to.ttt• terms and raatriotions outlined in the benefits brochure and other ofRaal documents provided bo you from time to time by or on behalf of Bank of America. While wry banaflts or sen+ic•a desartbed in the prevbus sentence are sat a part of this Agreement, arty claim or dispute related to any such benefit or service shell be subject to the ArbRraiYorr and LrOnseetion of this Agroement. We may adjust, add, or delete benefits and sen+icas at any time and wiMout notlae to you. ae 1AIE MAY 8SLL YOUR ACCOUNT We may st any time. and without notice to you. sell, assign or transfer your aowunt, any sums due on your account, this Agreement, or our rights or obligatlons under your account or this Agreement to arty person or entity. The person or entlty to whom we make any wch sale, assignment or tnmsier shall bs entitled to aU of our Nghte and/or obligations undarthis Agreement, to the s,dent ~otd, assigned or transhrred. YOU MUST NOTIFY U$ WHEN YOU CFIAN~3E YOUR ADDREiss We stove to leap accurate records for your bsneRt and ours. The poet office and others may notify us ot,a change to your address. When you change your address, You must notify us promptly of your new address. WHAT LAW ApPLlLB This Agreement is made in Delaware and vvt, erdsnd cxedR to you trom Delavvara. This Agreement is governed try the laws oithe 8tats of Delaware (without regard to its oordlict of laws principles) and by any appiioabie federal laws. THE PROV1810NS OF THIS At;iR~EMENT ARE SEVERABLE if any provisian of this Agreernerrt is found to be imratid, the ramainlrp provisions wtli continue to be eflecti\rs. OUR RIt3HT$ CONTINUE Our failure or delay in exercising any of our rights underth~ Agn3emant does not mean that we are unable to socerclse those rights later. UNAUTIiOR1ZED uaE OF YOUR CARD Please notify us immediately of the loss, then, or possible uneuthotfZed use of your account at ~.aaa7es-s7o~. ARBITRATION AND LITI4ATION This Arbitration and Litigation provision applies to you unless you wars ~lver- the opportunity to reject the Arbltrsrtlon and LRigatlon provisions and you did so rejecst them in the .w manner and timeframe re~ptired. If you did rojsct effar.#hrely such a proviaicn, you agreed that any Iltigation brougtrt by you sgainst us ngaMing this account or this Agraerrient shag be brought in a wort located in the State of f7elsware. Any delm or dispute ("Ctalm") by either you or us against the other, or against the ampioyees, agents or assigns of the ether, arising from or ralaRirrg in anyway to this.Agreement or any prior Agresmertt or your account (whether under a statute, in oontrack tort, or ottwnnAae and wheMar for money demagee, pensitles or declaratory a aquitabk rNlsfj, shall, upon ehction by either you or us, be resolved by binding arbitration. The arbitrator still resolve any Claims, irwluding the applioeblkty ofthis Arbitration and Lltigsrtion Sac~ton or the valktity of the entire Agroemerrt or any prior A9reunem, except for erry tlafm ahallenytnq the validity of the Class Actbn 1fVaiver, which shell be decided by a court. In addltiort, vat wilt not ~ooae tv arbitrate an individual Clahn that you bring against us in smaQ claims court or an equivekM court, if rny. But K that Claim k traneferrsd, removed or appealed th a differorlt court, we then have the right to choose arbitration. Arbitration shall take place befaro a single arbitrator and on an individual balls without resort to any torte of olase action. Arbitration may be selected at any time unless a judgment has bean ronderrd or the other party would suffer substentlai prejudice by the delay in demanding arbitration. . She arbitration shall be conducted by the National ArbiMRion Forum {"iWaF'), under the Coda of Procedure in effect at the time thQ Claim Is toad. Rules and forms of the Nstbnat Arbitration Forum may be obtained and Claims may ba tiled st any National Arbitration Forum office, www.art}forum.gom, or P.O. 9coc 301p1, Minneapolis, Minnesota 86405, telephone 1-800-474?~71. If the NAF is unable c+r unwiging to act a: arbitrator, we may substitute another nationally recognized, independent arbitration oryanization that uses a similar oode of procedure. At your written request, we wNl advance arty arbitration tiling fee, admtnlatrerove and hearing fees which you are required to pay to pursue a Clsim in arbttn-tion. The arbitrator will decide who wilt ba ultimately reapor-stble far paying those teee.lt yvu file a claim against us, in no avant wit! you 1» required t0 reimburoe us for any arbtration filing, administretlve or hearing teas in an amount grater than what your court costs would have bean if the Claim had bean resolved in a state court with jurladicbon. Any arbitration heerMg at which you apppr will telaa place within the federal Judicial district that includes your biNing addross at the time the Claim is filed. This arbitration agreement is made pursuant to a transaction imrohring interataM camrnaroa, and ahsq ba aovamed by the Federal Arbitration Ad, D U.3.C, ~'1-1B ("FAA"). Judgment upon any arbitration sward may be entered in any court havktg jurisdiction. The arbitrator shall folbw e~dating substaerbve law to the sxtarrt aonelstant with the FAA and epplfoable statudee aF limitations and shah honor any Balms or privila9a raoognttsd by law. It any party requests, the srbiMetar ahatl writs an opinion e~r>laining the reasons for the award. No Claim submitted to arbitration la hearci by a jury a ~ be brought ~ a class action or as a private attorney ganarai. You do not have the right to act as a Base repr+eaerrtatMe or participate as a member of a aloes of claimants with raapcKt to any Chien aubmNted to arbitration (Giaae Action Wsiver). The partSes to this Agraemont eclatowladga that the Gass Aatlon Waiver is materiel and essential td the arbitrartlort of any dtsputas between the parties and is nonaevarable from this agreement to arbitrate Glalms. Kth~ Gtaes Action Waiver is limited, voided of found unerrforoeabN, than the pertiee' agreement to arbtraba (wroept for this sentence) siren be null grid Yoid with respect to :uch proceeding, subject to the right to appeal the limitation or invalidation of the Gtass Aotton Waterer. The ParrrNa acknowtedpe end agree that under na otrownatartoee wilt s Bees actkar- tat arbttrabed. u This Arbitration and Libgatian Section apptias to ell Clalms raw in axtstence or that may arise in the future. Thin Arbitration and t,itigation Section shall survive the termination of your account with us ss we8 as any volurdary payment of the debt in full by you, any bankruptcy by you or sale of the debt by us, For the purposes of the Arbitration and LitigaMon Sectlon,'~a" and "u:" moans FIA Card Servicaa, N.A, its paw subsidiaries, affiifatas, Iicxnseea, predeosssois, suooe~ora, assigns, and any purcAaser Of yota a0004rit, and all of their olfloaa, diradors, employees, agents and assigns or any and all cf them. Additionally, "wie"' or "us" shall mean arty third party providing benefits, aervlaes, or produda in aonnaotion with the account {including but not limited to credit bureaus, merohsrrts that accept arty Crodk device issued under the account, rewards ar enrollment services, credit insurance companies, debt oollectora and all of their aFNcera, dirootars, employees and agents) if, and only if, such a tMrd party is framed by you sa a co-dalandant in any Cbim you assert against ~. YOU UNDERSTAND AND ACdREE THAT tF EITHER YOU OR'WE ELECT TO At36tTRATE A CLAIM, THtS ARBM'l~ATtON SECTION PRECLUDES YOU AND U8 FROM HAVING A RIGHT ~ OpppRtUNiTY TO UTICiATE CLAIMS THROUGH COURT, OR TO PARTICIPATE OR BE ANTED IN LITiOATION FILED IN OOUR1' tilt OTHEIl~S. t:XCQP'T A8 OTMEANASE PROVIDlD ABOVE, ALL CLAIMS MUST BE RE80LVED THROUt3H ARBITRATION IF YOU OR WE ELECT TO ARBITRATE. YOUR 81~11Wti 1~t3HTS Keep Thb Notke For Future Use: This notice C4rItalRS important iRfOrYrlatian about yOUr rtghtS and our rnsponaibitities under the Fair Credft Billing Act, Notify Us In Case of Errors or Questions About Your 881: tf you mink your bill is wrong, or it you need more infarmatlon about a transaotion ~ your bill, write us on a separate sheet (or use a copy of the corm pmvidad on your bill) st FiA Card Services N.A., P.O. Box 15ty26, Wilmington, D611i850. Writs to us as soon as possible. Do not send the notice on or with your payrhent We must hMr from you rro later than BO days aRer we sent you the first bi5 on which the transsction or error appeared. You can telephone us, but doing so wfil not preserve your rights. in your letter, giw us tfia foAowing iMormatlon: (1 y your name and account number; (2) the dollar amount of the suapacbd error; (3) the posting data of the trancaotion in question; and (4) a desaripdon of the error and an saeplanation, if you oan, of why you believe there ie an error. ff you need more lnl'onnation, daeoribe tiro item you era not sure about. lT you have authorized us to pay your crodit card bill automatically from your savings or eheoWng aooount with ~, you can stop the payment on any amount you think is wrong. To stop the peryrrrent your latter rtruvt reach us three business days before the automatic payment is scheduled to occur. Your Rights and Our Roepansibitttks Alter We RsotiY~s Your 11Yrftlan Natloa: Wa must acknowledge your latter wtthtn 30 days, unless we haw corrected the error by than. Within 9i} days, urs must either oorract the error or explain why we beliaw the bill was correct After was receive your latter, wg cannot try to ocltect arty arnour>t you question or report you as da(irquant We can contlnue to blil you ibr the arrrount you question, in~uding finance charges, and wa can appiy any unpaid amount against your cxadR Itmtt. You do not have to pay any questioned amount while we ere investigating, but you aro :fill obligated to pay the garb of your bill that aro not In question. K we find that we made a mistak® on your bili, you will not have to pay any finance charges related to any questioned amount. If we did not make a mistake, you may haw to p:yr 5nsnae charges, and you will trees to make up arty missed paymarrb on the questioned amount. In u either case, we will send you a statemerrt of the amount you owe and the dgte that it is due. If you fait to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation doss not satisfy you and you writs to us withintwenty-8ve (2$j days teNiny us that you still nefuw !o pry. vua must tell anyone we rapart you t4 that you have a quesgon about your bill, and vH must ball you the name of anyone wa report you to. We must tell anyone wa report you t4 that the matter has bean settled between us when K itnally Is. K we do not follow thew rules, we cannot coilact the first s50 of the questioned ernout7t, even if your bill was correct. Special Rule for Gredk Card Pon~raees: If you have a problem with ttw quality of the property or services that you purohased with a ondR card, and you have tried in good faith to correct the problem with ire merchant, you nay have the righ# not to pay the remaining amount due on the property or servloas. There ors two limitations on this righ#: (1 jYou must have made the purchase in your home state or, if not within your home:tate, within 100 miiaa of your current mailing address and; (2jThe purohase price must have bean mare than 550. These limltstlons do not apply If we own or operate the merchant, or if wa mellad you the advertlsemant for the properly or cervices. ®2006 Bank of America Corporation. All rights reserved. as BankofAmerica IMl~ORTANT NOTICE Off CMANOE IN TERMR Bank of America Corporation and MBNA Corporation are pleased to announce our merger. In bringing the organizations together, we are creating a credit card bank that will provide our customers with a greater range of financial solutions than ever bebre. We are consolidating our credit card program into one bank: FIA Card Services, N.A. As a result, beginning October 19, 2006 (the "Effective Date"}, your Bank of America credit card acoount wll be issued and administered by F!A Card Services, N.A. This document, together with the Supplement To The Notice Of Change In Terms an the enclosed statement, is your new "~r~dit Gard Agreement" and replaces in whole, on the Effective Date, your existing Cardholder Agreement and will apply to all new and outstanding balances. Please read these doCUmeMs carefully and retain them for your records. Except for Section 12 and Section 13, a~ of the changes below will apply to your account as of the first day of your billing cycle that includes the Effective Date. Secfions 12 and 13 wil! apply to your account as of the Effective Date. As a part of the transition, we will be restn~cturing yarn account balances into four balance tsrtegories (as newly donned by your Credit Card Agreement}: Category A, far Check Cash Advances and Balance Transfers; Category B, for Bank and A7M Cash Advances; Category C for Purchases; and Category D for Other Balances. to some cases wee will oonsdidate existing balances into a single balance category. When we do so, we will honor, or lower, the existing Armuai Percentage Rates, including any existing promotional races or defauR rates that may be available on this account. CRi<DIT CARD AGRfigl=.MtNT We reserve the right to change the terms of this Agreoment at any time, as further described in the following sections: Balance Categories and We May Amend Thls Agroemettt. 1. YOUR CONTRACT WfTH US Your Agreement with us consists of this Credit Gard Agreement and anY changes we make to it from time to time. The terms of this Agreement apply to You if any of you applied for and were granted an account, used the account, mairrtairted the account, andlor otherwise accepted the axount. You agree to the terms and conditions of this Agreement. ~c,ycyggq oadc of Ai11Mka, N.A. fUaA} F01-C1125-DUAL. ~D 2006 Bank of America } i t 2. VttORtiSS UiED OFTEN IN THIS A~3REEMENT "Access check" means an access check we provide to you to make a Check Cash Advance on your account, Agreement" or "Credft Card Ag-~aement' means this docurrteni and any changes we make to this document from time to time. "APR" means the corresponding Annual Percentage Rate. The APR corresponds to the Dairy Periodic Rate ("DPR") which is calculated by dviding the corresponding APR by 385. "Card" means all the credit Canis we issue to you ar-d to any other person with authorization for use on this account pursuant to this Agreement. "Cash Advance" means the use of your account for a loan obtained: (1) at an automated teller machine ("ATM Cash Advance"); (2) by a transfer of funds initiated by us at your request ("Balance Transfer"); (3) at any financial institution (e.g., to obtain cash, money orders, or travelers checks), including overdraft transactions ii this account is eligible for and properly enrdt®d in an overdraft protection program, at any rton-financial institution (to obtain cash), or for any payment you make to us that is returned to us unpaid for any reason, indudng the related finance charges ("Bank Cash Advance"); (4) by an access check you sign as drawer ("Check Cash Advance"). "Cash Advance" includes Transaction Fees and adjustments associated with any Cash Advance. "Default Rate" means the APR which may be applied without further notice to your account in certain instances of your default, as described in the section titled, Default Pricing. "Foreign Transaction" means any transaction made in a foreign currency (including, for example, online purchases from foreign merchants). "Grace Period' means the period of time during $ bilkng cycle when you will not axrue Periodic Rate Finance Charges on certain transactions or balances. "New Balance TotaP means the total billed amount as of the Closing Oate of a biling cycle, as shown on your monthly statement. To detemrine the New t3alance Total, we start with the total balance at the beginning of the billing cycle, which is the "Previous Balarx~e "Then we subbact payments and cradle. Then we add Cash Advances, Purchases and Finance Charges. "Pay in Full" or "Paid in Full" means payments and credts in a billing cycle totaling at feast your previous billing cycle's New Balance Total. In general, Pay in Full must be made by the Payment Due Date in order to get a Grace Period. r . ! .~ 1 l "Promotional Rate" means a temporary APR that may be offered on a balance category for a designated time period, artd may be subject to other c~rtditions. "Purchase" means the use of your card or account number to: (1 } buy or lease goods or services; (2) buy "Cash Equivalents" (i.e., foreign currency, money orders or travelers checks from anon-finanaal institution, or wire transfers, out-of-network biN payments made through FIACS's online trN payment service, person to person money transfers, bets, lottery tickets, or casino gaming chips) from any seller other than a financial institution; and (3} make a transaction that is not otherwise a Cash Advance. "Purchase" includes Account Fees, as weN as Transaction Fees and adjustments assocated with any Purchase, 'We," "us," "our," and "FIACS' mean FIA Card Services, N.A., also known as Bank of America. "You" and "Your mean each and all of the persons who are granted, axept or use an account we hold. "You" and "your" also mean any other person who has guaranteed payment of this account, when used in the sections titled, 1~ur Contract With Us, We May Monitor and Record Telephone Calls, and Arbitration and Litig~atian, and when used in each of the sections relating to payment of this account (e.g„ Your Promise to Pey, and How We Allocate Your Payments}. We will use the definitions described under the section heading Words Used ORen in This Agreement or as otherwise defined in this Agreement. ff we use a capitalized term in this document but we do not define the term in this document, the term has the meaning as used in your monthly statement. We use section headings (e.g., Words Used Often in This Agreement) to organize this Agreement. The headings are for reference purposes only. 3, BALANCE LATEDORIES When a Cash Advance or Purchase transactiarr occurs, we add the amount of the transaction and any associated finance charges, to one of the following balance categories: Category A - Salarx7e Transfers and Check Cash Advances Category B -ATM Cash Advances arxf Bank Cash Advances Category C -Purchases Category D -Other Balar-ces From time to time, we may move certain balances from one category to another (for example, sa we can accommodate promotional terms), grid we vriN tell you when we do. Each balance category has its own APR. AN rates are subject to change. fn addition to the Annual Perrrantage Rats section, please see how we may change the rates on your account in the section titled, We May Amend i~u's Agreement. 4. ANNUAL PERCENTAGE RATES See Supplement Ta The Nonce Of Change In Tsnms on the enclosed statement. 5. DEFAULT PRICING See Supplement To The Notice Of Change In Terms on the enclosed statement. $. CALCULATION OF PERWdC RATE FlNANCE CHARGES We cak:ulate Periodic Rate Finance Charges for each balance category by multiplying its Balance Subject to Finance Charge by the applicable DPR and that result by the number of days in the billing cycle. 7. BILLING CYCLE Your billing cycle ends each month on a Closing Date determined by us. Each billing cycle begins on the day after the Cbsing Date of the previous billing cycle. Each monthly statement reflects a single billing cyde. 8. WHEN PERIODIC RATE FlNANCE CHARGES BEGIN TO ACCRUE Each new Category A and Category B Cash Advance begins to accrue Periodic Rate Finance Charges ~ its cransacction date. Category A and Category B balances remair~ng from previous billing cycles accrue Periodic Rate Finance Charges from the first day of the billing cyde• The transaction date for Check Cash Advancers and Balance Transfers made by deck is the date the check is first deposited or cashed. The transactlon date for a returned payment (a Bank Cash Advance) is the date that the corresponding payment posted to your account. Unless subject to a Grace Period, each new Category C Purchase and each new Category D Other Baiarxe begins to accrue Periodic Rate Finance Charges on its transaction date or the first day of the billing cyde, whichever date is later. Unless subject to a Grace Period, Category C balances and Category D balances remaining from previous billing cycles accreue Periodic Rate Firtiaures Charges from the first day of the billing cycle. When applicable, Periodic Rate Finance Charges accrue daily and compound daily on new balances, and balances remaining from previous billing cycles, in each balance category. Periodic Rate Finance Charges wi11 continue to accrue even though you have paid the full amount of any related balances in a balance category because we include any accrued but unpaid finance charges in the calculation of the Balance Subject to Finance Charge. Your Payment Due Date will be at least 20 days from your statement Closing Date. 9. GRACE PERIOD See Supplement To The Notke Of Change In Terms on the enclosed statement for complete terms. 70. CALCUTA'fION OF BALANCES SUBJECT TO FINANCE CHARGE Categories Aand B - Avsrage Balsnce Method (induding new Cash Advances) We calculate separate Balances Subject to Finance Charge for Category A balances and Category B balances. We calculate the Balance Subject to Fnance Charge for each of tftese balance categories ay: (1 } cakxrlating a daigr balance for each day in the current billing cycle; (2) calcuiatirtg a daily balance for each day prior to the current bring cycle that had a "Pre-Cycle Cash Advance' balance {a Pre-Cycle Gash Advance is a Cash Advance with a transaction date prior to the current billing cycle but with a posting date within the current billing cycle); (3) adding all the dally balances together; and (4) dividing the sum of the daily balances by the number of days in the current billing cycle. To calculate the daffy balance foreach day in the current l~iiiirrg cycle, we take the beginning balarroe, add an amount aqua! to the applicable Daily Periodic Rate multiplied by the previous day's daily balance, add new Cash Advances and Transaction Fees, and subtract applicable payments and credits. ti any daily balance is teas than zero we treat it as zero. To calculate a daily balance for each day prior to the current billing cycle that had aPre-Cycle Cash Advance balance, we take the beginning balance attributable sotery to Pre-Cycle Cash Advances (which wilt be zero on the transaction date of the first Pre-Cycle Cash Advance}, add an amount equal to the applicable Oatly Periodic Rate multiplied by the previous day's daily balance, and add only the applicable Pre-Cycle Cash Advances, and their related Transaction Fees. We exclude from this calculation all transactions posted in previous billing cycles. Categorles C and D -Average Dally Balance Method (tnduding new transactions} See Supplement To The Notice Of Change In Terms on the enclosed statement for complete terms. 11. MINIMUM FINANCE CHARGE See Supplement Ta The Notice Of Change to Terms ort the enclosed statement for complete terms. 12. TRANSACTION FEE FlNANCE CHARGES See Supplement To The Notice Of Change In Terms on the enclosed statement for complete terms. 13. ACCOUNT FEES See Supplement To The Natke Of Change In Ternns on the enclosed statement for a complete List of tees. 14.OVERDRAFT PROTECTION If your ducking account with Bank of America is linked to ttus account, this overdraft protection feature will apow funds to be transferred ("overdraft protection transfers' from this account into your designated checking account with Bank of America ("checking acoounP) when trar-sacaons occur on your checking account, such as d,ek~CS or other debits, that if paid would cause the checking account to be oveMrawn ("overdraft trar>$actlons'~. Overdraft protection transfers include automatic transfers to cover checking account tees. Overdraft protection transfers are processed attar dose nt business Monday through Friday and are treated as Category B Cash Advances. Each day's overdraft trar>sactlor>s will be totaled anti rounded to the next $100 ($25 if you opened your checking account in Washington or Idaho) increment up to your available CretGt fiml, regardless of wf~ initiated the overdraft trar>sac~ons. For example, if your chedang account has a balance of $1.00 and a check or other debit item for $125 is presented for payment, which if paid would louse your checking acxount to be overdrawn, an overdraft protection transfer of 3200 wbl be made to your checking aoawnt and a Bank Cash Advance of $200 wiq post to this acxount. The amount of available credit on this account must be sufficient to cover the total amount of overdraft transactions (received by t3ank of America that day) rourtided to the next 3100 irxxement (but exduc~ing any overdraft protection fee}; otherwise one or more of the overdraft transactlions for that day will be rejet~ed. However, if the available credit on this account is greater than the overdraft transaction amount, but tt-e available credt is inscAf~ient for the overdraft transaction amount to be rounded to the next 3100 increment, then the amount of the overdraft trensacion will be rkwnded to the highest while dollar amkxx-t of your available credit. (And in such an event, the accxued finance ctrarges may result in an Overiimit Fee.) We may permit or refuse to perrrat any overdraft protec.~tion transfer that would cause you to exceed the credit limit on ttfis account; but if we permit it, you may be assessed an OverNmit Fee during the biitir~ cycle in which the transfer occx~rs. This overdraft pratsctieon feature will subrmatlcagy be cancelled if this account is dosed by efiher you or us, or at any time upon your rek~est. Your overdraft transactions remain subject to the terms of your checking account with Bank of America, arty related enrollment agreemern, and this Agreement. 15. SIGN YOUR CART) You should sign your card before you use it. 16. HOW TO USE YOUR ACCOUNT You may obtain credit in the form of Purchases and Gash Advances by using cards, access checks, your account number, or other credit devices. 17. t11/E 1AAY MONITOR AND RECORD TELEPHONE CALLS You consent to and authorize FIACS, any of its affiliates, or its marketing associates to monitor and/or record any of your telephone conversations with our representatnres or the representatives of any of those companies. Where you have provided a cell phone number directly to us, or placed a cell phone call to us, you consent and agree to accept collection calls to your cell phone from us. For any telephone or cell phone calls we place to you, you consent and agree that those calls may be automatically dialed andJor use recorded messages. t8. CREDIT REPORTING AGENCIES; COLLECTNVG AND SHARING INFORMATION You authorize us to collect information about you in order to conduct our business and deliver the top quality service you expect, including information we receive about you, information we receive from third parties such as credit reporting agencies and information about your transactions with us arxf other companies. You authorize us to share such information about you or your account with our affiliates and others. You may have the right to opt out of some information sharing. For more details, please refer to our Privacy Policy. If you believe we have furnished inacx;urate or incomplete infomration about you or your account to a credit reporting agency, write to us at: FIA Card Services, N.A., Credit Reporting Agencies, P.O. Box 17054, Wilmington, QE 19884 7054. Please include your name, address, home phone number, and account number, and explain what you believe is inaccurate or ir~omplete. 19. PURP06ES FOR USING YOUR ACCOUNT You may use your account for personal, family, or household purposes. You may not use your acxount for business a commercial purposes. You may not use a Check Cash Advance, or any other Cash Advance, to make a payment on this or any other act~unt with us or our affiliates. You may not use or permit your account to be used to make any illegal transaction. You will only use your account for transactions that are legal where you conduct them. For example, iNernet gambling transactions may be ifiegal in your state. Misplay of a payment card toga by an online merchant does nat mean that an Internet transaction is legal where you conduct it. We may charge your account for such transactions. We will not be liable if you engage in an illegal transaction. We may deny authorization of any transactions identified as Internet gambling. 20. PERSONS USING YOUR ACCOUNT If you permit any person to use your card, access checks, account number, or other credit device with the authorization to obtain credit on your account, you may be liable for all transactions made by that person including transactions for which you may not have intended to be liable, even 'rf the amount of those transactions causes your credit limit to be exceeded. Authorized users of this account may have the same access to information about the account and its users as the account holders. We may send account materials (cards, statements ark notices) to any liable party, and that person will be responsible for delivering those materials to the other linable parties and authorized users. Notice to any of you will be considered notice to all of you. You may aNow authorized users on your acxount in the fdk~wing ways: (1) by notifying us that you want someone added to your account as an authorized user, (2) by finding your card or account number to another; or {3) by any other ways in which you would be legally considered ro have allowed arattrer to use your account or to be IegaNy prevented from denying that you did so. You must think carefully before you allow anyone ro become an authorized user. By doing so, you authorize the person ro use your account to the same extent you can, including but Trot limited to making any purchases, caN't advar>ces, balance transfers and Mowing others to use your account. Your acxount does rat permit you to limit the nature or amount of authority you give to any authorized user and you wilt not attempt to do so. An authorized user's authority wiA continue ur>tit you bath notify us that you are terminating the authority and you physically retrieve the card. If you cannot retrieve the card, you wiA remain liable for any transactions that we cannot prevent alter you notify us. 21. YOUR PROMISE TO PAY You promise to pay us the amounts of all credit you obtain, which includes all Purchases and Cash Advances. You also promise to pay us all the amounts of finance charges, fees, and any other transactons we charge to your account. if a bank branch or office sponsors your account, you promise to pay it any unpaid account balance it pays us within 30 days. 22. PAYMENTS ON YOUR ACCOUNT You must pay each month at feast the Total Minimum Payment Due shown on your monthly statement by its Payment Due Date. Your Payment Due Date may vary from month to month. payments must conform to the requirements set out on that monthly statement; these requirements may vary without prior notice. You may pay the entire amount you awe us at any time. Payments made in any billing cycle that are greater than the Total Minimum Payment Due wit! not affect your obligation to make the next Total Minimum Payment Due. If you overpay or if there is a credit balance on your acxuunt, we will not pay interest on such amounts. We will reject payments that are not drawn in U.S. dollars and those drawn on a frnanciai institution boated outside of the United States. We reserve the right to reject any payment if your account has a credit balance as of the day we receive that payment. Payment of your Total Minimum Payment Due may not avoid the assessment of Overiiimit Fees. Generally, credits to your account, such as those generated by merchants or by person-to-person money transfers, are not treated as payments and will not reduce your Total Minimum Payment Due. See Supplement To The Notice Ot Change In Terms on the enclosed statement for addftional terms. 23. TOTAL MINIMUM PAYMENT DUE You may pay your total outstanding balance at any time. Each billing cycle, you must pay at least the Tataf Minimum Payment Due shown on your monthly statement by its Payment Due Date. The Total Minimum Payment Due is the sum of all past due amounts plus the Current Payment. See Supplement Ta The Nodce Of Change In Terms on the enclosed statement far additional terms. 24. WHEN YOUR PAYMENT WILL BE CREDITED TO YOUR ACCOUNT We credit• your payments as of the date received, ff the payment is (1 }received by 5 p.m. (Eastern Time}; (2) received at the address shown in the upper left-hand comer of the front of your monthly statement; (3) paid with a dteck drawn in U.S. dollars on a U.S. financial institution or a U.S. dollar money order, and (4} sent in the return env~ope with only the top portion of your statement acx:ompanying rG Payments received after 5 p.m. on any day including the Payment Due Date, but that otherwise meet the above requirements, will be creed as of the next day. Credit for any other payments may be delayed up to five days. 25. HOW WE ALLOCATE YOUR PAYMENTS We wilt allocate your payments in the manner we detemtine. in most instances, we will allocate your paymens to balam~es (including transactions made after your latest statement} with bwer APRs before balances with higher APRs. This will result in balances with bwer APRs (such as new balances with promotional APR offers) being paid before any other existing balances. 26. PROMISE TO PAY APPLIES TO ALL PERSONS AH persons wtto initially or subsequently request, accept, guarantee or use the account are individually and together responsible for any total outstanding balance. if you and one or more persons are responsible to pay any total outstanding balance, we may refuse to release any of you from IiabiHty until alt of the cards, access checks, and other credit devices outstanding under the account have been returned to us and you repay us the total outstanding balance owed to us at any time under the temrs of this Agreement. 27. DEFAULT You will be in default of this Agreement if: (i}you #ail to make any required total Minimum Payment Due by its Payment Due Date; (2) your total outstanding balance exceeds your credit limit; or (3) you felt to abide by any other term of this Agreement. Our failure to exercise any of our rights when you default does not mean that we are unable to exercise those rights upon later default. 28. WHEN WE MAY REQUIRE IMMEDIATE PAYMENT h you aze in default, then in addition to our other remedies under this Agreement, we can require immediate payment of your total outstanding balance and, urdess prohibited by applicable Isar and except as otherwise provided under the .4nbfdation and Lit~atron section d this Agreement, we can also require you to pay the oosts we incur in any coHecian prooeedng, as well as reasonable attorneys' fees if we rater your aocount for coNection to an attorney who is not our salaried employee. 29. OTHER PAYMENT TERMS We can accept late payments, partial payments, or payments with any restrictive writing without losing any of our rights under this Agreement. This means that no payment, including those marked with "paid in iuH" or with any ocher restrictive words, shall operate as an accord and satisfact~n without the prior written approval of one of our senior officers. You may not use a postdated check to make a payment, tf you do postdate a payment check, we may elect to honor it upon presentment or return it uncredited to the person that presented it, without in either case waking for the date shown on the check, We are not liable to you for any loss or expense incurred by you arising out of the action we elect to take. 30. PAYMENT HOLIDAYS AND REDUCED feY1YMENT ~S We may allow you, from time to time, to omit a mor>tr,ly payment or make a reduced payment. We win notify you when these options are available. if you omit a payment or make a reduced payment, finance charges, applicable fees, and other regular transactions, if any, wiN accrue on your account balances in accordance with this Agreement, The reduced PaYn'~ent amount may be less than your finance charges. You must make the reduced payment ~ time to avoid a late fee. You must resume making your regular Tote! Minimum Payment Due each month fdk~wing a payment holiday or reduced payment after. 31. YOUR CREDIT LIMIT ~ . Your credit limit is disclosed to you when you receive y~,r card and, generally, on each monthly statement. We may change your credit limit from time to time. The amount shown on your monthly statement as Cash or Credit Available does not take into account any Purchases, Cash Advarress, finance charges, fees, any other transactions, or credits which post to your account after the Closing Date of that monthly statement. Such transactions could result in your credit limit being exceeded and result in the assessment of Overlimit Fees, loss of Promotional Rates, and Default Pricing. . 32. WHAT WE MAY DO tF YOU ATTEMPT TO EXCEED YOUR CREDIT UMIT The total outstanding balance on your account plus authorizations at any time must not be more than your credi# limit. )f you attempt a aansaction which results in your total outstanding balance (plus authorizations} exceeding your credit limit, we may: (1) permit the transaction without teasing your credit limit; (2) permit the transaction and treat the amount of the transaction that is more than the credit limit as ~ ~ ' immediately due; or (3} refuse to permit the transaction If we refuse to permit the transaction, we may advise the person who attempted the transaction that it has been refused. It we refuse to pemtit a Check Cash Advance or Balance Transfer, . we may do so by advising the person presenting the Check ' Cash Advance or Balance Transfer that credit has been refused, that there are insuffiaent funds to pay the Check Cash Advance or Balance Transfer, or in any other manner. .~ t .~ i .~ i s if we have previously pemtitted you to exceed your credit Limit, it does rwt mean that we wilt permit you to exceed your credit limit again. If we decide to permit you to exceed your credit limit, which could trigger a prorration tum-aff event, we may also charge an Overlimit Fee and/or apply Default Pricing as provided in this Agreement. 33. WE MAY AMENO THi3 AQREEMENT We may amend this Agreement at any time. We may amend it by adding, deleting, or changing provisions of this Agreement. We may increase or decrease any or all of your APRs. We may increase any or all of Your APRs to rates which exceed the Detault Rate. When we amend this Agreement we will comply with the applicable notice requirements of federal and i?elaware law that are in effect at that time. The amended Agreement (induding any higher rate or other higher charges or fees) will apply to the total outstanding balance, including the balance existing before the amendment became effective. !f an amendment gives you the opportunity to reject the change, and if you reject the change in the manner provided in such amendment, we may terminate your right to receive credit and may ask you to return all credit devices as a condition of your rejection. We may replace your card with another card at anytime. 34, WE MAY SUSPEND OR CLOSE YOUR ACCOUNT We may suspend or close your account or otherwise terminate your right to use your account. We may do this at any time and for any reason.Your obligations under this Agreement continue even after we have done this. You must destroy all cards, access checks a other credit devices on the account when we request. 35. YOU MAY CLOSE YOUR ACCOUNT You may close your account lry notifying us in writing or by telephone, and destroying all cards, access checks or other credit devices on the account. Your obligations under this Agreement continue even after you have done this. 36. TRANSACTfONS AFTER YOUR ACCOUNT IS CLOSED When your account is dosed, you must contact anyone authorized 1o charge transactions 1o your acc~aunt, such as Internet service providers, health clubs or insurance companies. These transactions may continue to be charged to your accoun# until you change the billing. Alsa, if we believe ', you have authorized a transaction or are attempting to use your account after you have requested to close the account, we may allow the transaction to be charged to your account. 37. REFUSAL TO HONOR YOUR ACCOUNT We are not liable for any refusal to honor your acxount. This can include a refusal to honor your card or account number or any check written on your account. We are not liable for any retention of your card by us, any other finandal institution, or any provider of goods or services. .' t ;• ~, i~ ~! 38. HOW YOU MAY STOP Pi4YMENT ON AN ACCESS CHECK You may request a stop payment on an access deck by providing us wtitt the access cf-eck number, doper amaint, and payee exactly as they appear on the acxess check. Oral and written stop payment requests on ~ acasss check are effective for six months from the day that we place the stop payment. 39. YOU MAY NOT POSTDATE AN ACCESS CHECK You may not issue a postdated access check on your aocaunt. If you do postdate an access check, we may elect to honor it upon presentment or return it unpaid to the person that presented it to us for payment, without in either case waiting for the date shown an the access check. We are not liable to you for any bss or expense incurred by you arising out of the action we else to take. 40. TRANSACTIONS MADE IN FOREIQN CURRENCIES If you make a transaction in a foreign currency, the transaction wiU be converted by Visa International or MasterCard IntemaYbnal, depending on which card you use, into a U.S. collar amount in accordance with the operating regulations or cawersion procedures in effect at the time that ~ trar~sactlon is processed. Currently, those regulatxx~s and procedures provide that the currency convention rate to be used is either {1) a wholesale market rate or {2) agovernment-mandated rate in effect 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 date or the posting date. 41. BENEFITS We may offer you certain benefits and services with your account. Any benefits or services are not a part of this Agreement, but are subject to the terms and restrictions outlined in the benefits brochure and other official documents provided to you from time to time by or on t~ehalf of FIACS. While any benefits or services described in the previous sentence are not a part of this Agreement, any claim or dispute related to any such benefit or service shall be subject to the Arbitration and Litigation section of this Agreement. We may adjust, add, or delete benefits and services at any time and without notice to you. 42. WE MAY SELL YOUR ACCOUNT We may at any time, and without notice to you, sell; assign or transfer your account, any sums due on your account, this Agreement, or our rights or obligations under your account or this Agreement to any person or entity. The person or entity to whom we make any such sale, assignment or transfer shall be entitled to all of our rights and/or obligations under this Agreement, to the extent solo, assigned or transferred. 43. YOU MUST NOTIFY US WHEN YOU CHANGE YOUR ADDRESS We strive to keep accurate records for your benefit and ours. The post office and others may notify us of a change to your address. When you change Your address, you must notify us promptly of your new address. 44. WHAT LAW APPI-TES ~ This Agreement is made in Delaware and ee~ ~ you from Delaware. This Agreement is gov ~ cordlict of laws of the State of Delaware (without regard principles} and by any applicable federal laws. ~ 45. THE PROVISIONS OF THIS AGREEMENT' ARE SEVERABLE t If any provision of this Agreement is found to be invalid, the remaining provisbns will continue to be effective. 46. OUR RIGHTS CONTINUE Our failure or delay in exercising any of our ruts under this Agreement does net mean tl-at we are unable to exercise those rights later. 47. UNAUTHORIZED USE OF 1fOUR CARD Please notify us immediately of the loss, theft, or possible unauthorized use of your- account at (800} 732-9194 arxi (800} 681-2803 for Spanish. 48. ARBITRATION AND LITIGATION lies to ou unless This Arbitration and Litigat Pro ~ ~ Arbit anon and you were given the oppo ry rej Litigation provisions and You did so reject them in the manner and timeframe required. If you did reject effectively such a provision, you agreed that any litigation brought by you against us regarding this account or this Agreement shall be brought in a court located in the State of Delaware. Any claim or dispute ("C1aim") by either You ar us against the other, or against the empbyees, agents or assigns of the other, arising from or mating in any way to this Agreement or any prior agreement or your account (whether under a statute, in contract, tort, or otherwise and whether for money damages, penalties or declaratory or equitable relief), shall, upon election by either you or us, be resolved by binding arbitratl~. The arbitrator shall resolve any Claims, including the applicability of this Arbitration and Litigation Section or the validity of the entire Agreement or any prior Agreement, except far any Claim chaNenging the validity of the Class Action Waiver, which shall be decided by a court. In addi#ion, we wilk not choose to arbitrate an individual Claim that you bring against us in smelt claims court or an equivalent court, if any. But if that Claim is transferred, removed or appealed to a different court, we then have the right to choose arbitration. Arbitration shall take place before a single arbitrator and on an individual basis without resort to any form of class action. Arbitration may be selected at any h~vvouuld suffer~s~u rbstantia- been rendered or the other party prejudice by the delay in demar~ng arbitration. The arbitration shall be conducted by the National Arbitration Forum {"NAF"), under the Code of Procedure in effect at the time the Claim is filed. Rules and forms of the National Arbitration Forum may be obtained and Claims may be ailed at any National Arbitration Forum office, www•arb. fiorutn.cQm, or P.O. Box 50181, Ma-neapolis, Minnesota 55405, telephone (800) 474-2371. If the NAF is unable ar unwilling to act as arbitrator, we may substitute another nationaNy reco~-ized, independent arbitration organization that uses a similar cede of procedure. At your written request, we will advance any arbitration ttling fee, administrative and hearing fees which you are requir~ad to pay to pursue a Claim in arbitration. The arbitrator will decide who wail be ulbmately responsible for paying those fees. If you file a claim against us, in rw event will you be required to reimburse us for any arbitration filing, administrative ar hearing fees in an am~nt greater than what your court costs would have been it the Claim had been resolved in a state court with jurisdiction. Any arbitration hearing at which you appear will take place within the federal judicial district that includes your billing address at the time the Glaim is filed. 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. §§ 1-16 ("FAA"). Judgment upon any arbitration award may be entered in any court having jurisdiction. The arbitrator shall follow existing substantive law to the extent consistent with the FAA and applicable statutes of limitations and shall honor any claims or privilege recognized by law. If any parry requests, the arbitrator shall write an opinion containing the reasons for the award. No Claim submitted to arbitration is heard by a jury or may be brought as a class acction or as a private attorney general. You do not have the right to act as a lass represerrtative or participate as,a member of a lass of claimants with respect to arty Claim submitted to arbitration (Class Action Waiver). The parties to this Agreement acknowledge that th® Class Action Waiver is material and essenti~ to the arbitration of any disputes between the parties and is nonseverable from Uus agreement to arbitrate Claims. If the Class Action Waiver is (invited, voided or found unenforceable, then the parties' agreement to arbitrate {except for this sentence) shall be null and void with respect to such proceeding, subject to the right to appeal the limitation or invalidation of the Gass Action Warvec The Parties acknowledge and agree that under no circumstances will a class aetton be arbitrated. This Arbitration and Litigation Section applies to all Claims now in existence or that may arise in the future. This Arbitration and Litigation Section shall survive the termination of your account with us as well as any voluntary payment of the debt in full by you, any bankruptcy by you or sale of the debt by us. Far the purposes of this Arbitration and Litigation Section, ~nre" ~ and "us" means FIA Card Services, N.A., its parent, subsidiaries, affiliates, licensees, predecessors, successors, assigns, and any purchaser of your account, and ail of their officers, directors, employees, agents and assigns or any and aN of them. Additionally, 'wve" or "us"shall mean any third party Providing benefits, services. or products in oorxrer~ion with the account (including but not Nmited to credit bureaus, merchants that accept any credit device issued under the account, rewards or enrolMnermi services, credR insurance companies, ( debt cdtectors and ail of their officers, directors, employees and agents) if, and only if, such a third pasty is named by you d as a co-defendant in any Claim you assert against us. Y~J UMDER3TAND AND AGREE THAT IF ERHER YOU OR tiVE ELECT TO ARBITRATE A CLApIA, THIS ARRI'fAATK>~i SECTION PRECLUDES YOU AND US FROM HAVING A . .. RK1HT OR OPPORTUNITY TO LRKiATE Ci.Ai1MA6 THppliGH COURT, OR ~ PAR1iClRATE OR 8E REPgD ~ ~ LITIGATION FILED M COURT BY OT'FiERf~. EXC~T AS TtH~ARSr~r°~"~i>~ ~ TD ARBITRATE { YOUR 61LLING Rlt3NT: Keep This Notice for Future Use: This notice contains important information about your rights and our responsibiNties under the Fair Credit 8ifling Act. Notify Us in Case of Errors or Quest9ons About Your Biif; If you think your bill is wrong, or it you need more information about a transaction on your bill, write us on a separate sheet (or use a ropy of the form provided on your bill) at FIA Card Services, N.A., P.O. Box 15826, Wilmington, DE 19850. Write to us as soon as possible. Do not send the notice on ar with your payment. We must hear from you no later chain 60 days after we sent you the first till on which the transaction or error appeared. You can telephone us, but doing so witl not preserve your rights. In your letter, give us the foNowing infommation: (t) your name and account number, (2) the dollar amount of the suspected error; (3) the posting date of the transaction in question; and (4) a description of the error and an explanation, if you can, of why you believe there is an t error. If you need more information, descrtbe the item you are I} not sure about. ~ if you have authorized us to pay your credit card bill automatically from your savings or checking account with us, you can stop the payment on any amount you think is wrong. i To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur r .~ j .~ . .~ ..~~~ Your aisnts and our aesponsiW~tles offal we aecaive Your wrkten Notice: We must acknowledge Your letter within 30 days, unless we have corrected the error by then. l~thin 90 days, we must either correct the error or explain why we believe the bill was correct. . After we receive your letter, ~~ as delinquent. We can amount you question or report Y estion, including continue to bNl you for the amount Yce ~ un d amount finance charges, and we can aPPIY Y Pai against your credit limit. You do not have to pay any questioned amount while we are irnestigating, but you are still obligated to pay the parts of your bill that are not in question. N we find chat we made a mistake on your bill, You wilt not have to pay any finance charges related to any questioned amount. if we did not make a mistake, you may have to pay fnancb charges, and you wilt have to make up any missed payments an the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. N you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation doss not satisfy you and you write to us within twenty-five {25j days teNing us that you still refuse to pay, we must teN anyone we report you to that you have a question about Y~rto l We must. must tell you the name o~ arryone~ r~epttort has been settled tell anyone we report yo between us when it finally is. ff we da not follow these rules, we cannot collect the first $50 of the questioned amount, even if your bill was correct. Special Rule far Credit Card Purcfiases: if you have a problem wish the quaAty of the property or services that you purchased with a credit card, and you have tried in good faith to correct the problem ~th 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: (1 j You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and {2j The purchase price must have been more than $50. These limitations do not apply H we own or operate the merchant, or if we mailed you the advertisement for the property or services. ggqqqq FO1-C1125-OVAL 9ask of AmMcs, N.A. {Ilti/ll O 1006 Bank of America ~' EXHIBIT C tiEi.L OF SALE AND ASSIC}NMENT OF LOANS Tranafar Date: 3 ~ La ~iU 111E ~ Aaal~tOr ("~jp,OQj") Oft stld as Of the date helraf hereby ebsohltEly setts, trarsafax,.,easigtts, atq-ova, quftckirtls end coavtya to Midleltd FlndinB Li.C> a IitmiEed liability coasQatty otBeatisted ntoddr the taws of Delaware ("yam") a~ithoat reootslve and without repfrae~ttatiorts or warranties of any type, kind, cd>~ta or aatm~e, explreu a int~rlied, subjat to 8tsy~`s repstrchsse tights ~ set forth in Sections 8. t a~ad S.Z. all of Assl~uar'ts >!ig6t, title alai interest in and b cads of the towns identified in the loan IChedRle ("jdyp,'~ attadsod htmto (the "j;~"}, bgetha with Ute right to collect all pdncipa[, irlHerest or otter proceeds of any kind with respect to the Loans remaining dare and owing as of the Cut-Ofd Date appligbk b auich Loaaa ss sei forth in the Loan Sate Agreensent, dated sa of March 10.2010, psxaualtt to which the Loans ttte being sold (iruluding bat riot t'sn+ited to pftrceeda def-vod t'rnfr- the conversion, vohultary or involantery, of any of the [.Darts into cash or other liquidated pr'op~Y)~ With respect b asfotm+dion for the Loans listed is Loan Schednk, to the best of Setter's knowledge. Aspigswr ~ and warrants to Assigrae that (i) the Loan ir~'ostnsliols is complete and siocurste; (irk the Loan information cortatit+ues Assignor's own bfrairsalt records and aecnrateiy ;eliecta in sll nssteriel respects the information in Aaaigisor'a database; (iii} the Login information was kept in the regular course of bstsiness; (iv) the t.oaft infoftnation was trade u or new the Mine by, or freer infomution ttnrtaa~titted by, a poser with knowledge of the dots erster+Ed into acrd mairriairled in the Assignor's database; and (v~ it le the t+egntar practice of ': Assignor's lxutiAesa to maitttairt and cotnpik such data. EFFECTIVE DATE: March i0.20-0. ASS!(3NOR: FIA ARD SERVICES, N.A. Name: _ Title: ~` ~ik<.M' ~~'+!`;r.~.q .xil' :; x',~y~~".> °": •'?;`r'~ i ~'1~~~ ~ ''<. ,,.v '.. '- ~ .ar±~:AFIZnf~..-~...:..., .. Dept. 12421 PO Box !it)? Oaks. PA 19456 NIIIN^IIM~~INI~IHrINNIIII~IIIIIM 07-27-tot o ,a3z, ~~< tYBWNHLTH 410000 0853 3920 1775tY RALPH M RETTBERG 99 REGENCY WOODS NORTH CARLISLE. PA 170159065 Dear RALPH RETTBERG, ~ II Midland Credit Management; Inc. has made several attempts to 1 contact you regarding this account. This letter is to inform you that we are considering forwarding this account to an attorney with the intent Iwt us to initiate legal action to satisfy the debt. Upon receipt of this notice, war=ow,tao., please call immediately to discuss your options. ff we don't hear from you or receive payment by 08-26-2010; we may ,y„~ proceed with farwarding this account to an attorney. i~ mfilte ail of your What do you need to do to stop this process from continuing? payment(s) .'N4~ account, 1) Mail in $250 and call to set up your remaining payments, or ~ "^li ~ "~' to Fulrr 2) Call us today to see how to qualify for discounts and affordable payment plans. ~~.aYry ' w .. >,,; LET US HELP YOU! Once the account goes to an attorney, our flexible fi ~ '~ h~- t~; options may no longer be available to you. There is still an opportunity to ~'~ make arrangements with us. We encourage you Ic~ call us today: CALL US TODAY! (800} 939-2353 (800}939-2353 Midland Credit Management -- {800) 939-2353 ~:~ ' - s._, PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION AND Hours of Operation: ADDITIONAL DETAILS ABOUT YOUR ACCOUNT. M-Th Bam - 7pm: Fri Bam - 5pm; Sat Gam - 2:30pm PST ' Your credit report will not be updated if the federal reporting period has expired. f'tens~c tent afT'and return lo~eer portion with payment in tha antelope prcn•iJer! MCM Account No.: 8533920177 Current Balance: $12,610.19 Payment due Date: 08-26-2010 Make check payable to: Midland Credit Management, Inc. Amount Endosed: me~nMidiand Credit Management, Inc. P.O. Box 60578 Los Angeles, CA 900600578 11.I..II~~~II~~~~II~~II~~~II~~~~I~I~I~~~II.~I~I~~~II~~I~II~~~I 12 8533920177 5 1261019 082610 4 iea~t-anw- ssa _ Midland Credit Management, Inc. Dept. 12421 PO Box 603 Oaks, PA 19356 STATEN~NT ' Previous Balance : ~ MCM Account #: ts53392t1177 51.1.,440.6(1 ( st Rate: Original Account #: 488R93604(156 61i56 27.23n ~ Statement Date: 07-274t11o Due Date: ot3-26401(1 Accrued Interest' 51.169.59 Current Owner: Midland Funding LLC Original Credflor.BANK OP AMERICA ~ Current Balance: 1512,610.19 ~ Du_e Date Date Received Transactions Amount ~~ ~-~~ n8-26-2010 07-21-2010 The above-rcfercnced account ~•as purchased 63 d 512.610.19 Midland Funding t.C,C and is serviced by Midlan f Credit Mat~gement. Inc. ("hiCM"). TIC balance of ( 51.2,610,19 is due now. f I ~ ~ Please direct all correspondence to: Midland Credit ~ Management. Inc. ~ I i n B l { y a ce: 2 hio 51 I Ptease understand this communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. EXHIBIT H AFFIDAVIT OF SALE OF ACCOUNT BY ORIGINAL CREDITOR State of Delaware, County of New Castle. Debra L Petlicciaro being duly sworn deposes and says: I am over 18 and not a party to this action. I am the Assistant Vice President of FIA Card Services, N.A. In that position I am a custodian of the creditor's books and records, and am aware of the process of the sale and assignment of electronically stored business records. On or about March 10, 2010 FIA Card Services, N.A., sold a pool of charged- off accounts {the Accounts) by a Purchase and Sale Agreement and a Biil of Sale to MIDLAND FUNDING LLC. As part of the sale of the Accounts, electronic records and other records were transferred on individual Accounts to the debt buyer. These records were kept in the ordinary course of business of FIA Card Services, N.A. I am not aware of any errors in these accounts. The above statements are true to the best of my knowledge. Signed this 15t day of April, 2010. Debra L Pellicciaro S orn before me this ~.._. day of ,~ i ( otary Stamp) PAMi~LA J. R11TER N07J~f PllBl.IC STAB ~ DEtJIWARE byoo~INller-eoc~ober t5, Zo11 ~, DID , BLANKET CERTIFICATE OF CONFORMITY FOR NOTARY PAMELA J. RITTER 1, Daniel Fleming, anattorney-at-law admitted to practice in the State of Delaware and fully acquainted with the taws of the State of Delaware pertaining to the acknowledgment or proof of deeds of real property to be recorded therein, do hereby certify that l am duly qualified to make this certificate of conformity and that the acknowledgement or proof upon the affidavits of merit were taken by PAMELA 1. RITTER, a notary public in the State of Delaware, in the manner prescribed by the laws of the State of Delaware and confirms to the laws thereof in all respects. .---~,~ - "' ~ IN WITNESS WHEREOF, i have hereunto set my signatur¢ on`Wednesd~y, March 18, 2010. Daniel Fleming Attorney at Law, State of Prr3pared for. RALPH M RETTBERG 4888 9360 9056 8858 ~~ September 2007 Statement Crrdit line.' 58,000.00 Cash ar CneditAvailabM: $0.00 rw n~wsnaowr w~ rwr rrewrr~ vrarr. ~ www.bankotarnerica.com P '~~~~ ro: Summary of Transactions Billing Cycle and ayme nt Mfom~ation BANK OF AMERICA Previous Balance 58,575.02 Days in Billing Cycle 31 P,O. BOX ?5726 Paytr~nts and Credits - $100.00 Closing Oata 09/08707 WILMINGTON, DE ?6868-5728 Cash Advances + $0.00 MaiI8ll,fn9rnouiriasto: Purchases and Adjustments + $820.29 Payment Due Date 10/01/07 BANK OF AMERICA Perrodic Rate Finance Charges + $248.22 Current Payment Due $377.00 P.d, 80X 15026 Transaction Fee Finance Chars7es * $0.00 Pam Due Amount + $93.00 WILMINGTON, DE ?9650-5028 Tots! Minimum Cai1 toN-tree 1-800-789-8885 New Balance Total $9,343.53 Payment Oue - -- TDDheari~g-impikred t-80o-Sae-3178 Posting Transaction Referonce Account Payments and Credits ____ Date Date Number Number Category Amount PAYMENT 09101 100.00 CR Purchases and Ad~atrnsnts #WAL-MART#1886 MECHANICSBUR PA 08109 08/07 8920 5073 C 10.74 08515951888SC1YVY049378385 #FLYING J CARLISLE PA 08/10 08/07 3911 5073 C 40.00 #VERIZON PAY BY PHONE 800-483.3000 TX OBJ10 08J08 5041 5073 C 109.63 8563241993.94 #VERIZON PAY BY PHONE 800-483-3000 TX 08/10 OB/OS 6742 5073 C 4125 658324200054 #U-HAUL-CTR-CARUSL #8 CARLISLE PA 08/14 08112 7250 5073 C 28.95 #U-HAUL-CTR-CARUSL #8 CARLISLE PA 08/14 08/12 7334 X73 C 53.89 #FLYING J CARLISLE PA 08J1d 06/12 2876 5073 C 44.42 #KWIK FILL 259 Q8 MECHANICSBURGPA 08122 08!20 3555 5073 C 80.48 #tMNE d SPIRITS 2108 MECWANIGSBURGPA 08/29 08128 0846 5073 C 35.48 #KWIK FILL 282 QB CARLISLE PA 08/30 08128 7420 5073 C 20.59 LATE FEE FOR PAYMENT DUE 08/31 08/31 08/31 9038 C 39.00 OVERLIMI'f FEE (BASED 09/06 Ofli26 D120 C 39.00 ON BALANCE 8,982.38) CARDHOLDER SECURITY PLAN 09/08 08/06 7003 C 76.86 YOUR ACCOUNT I3 OVSRLI1tIT. TO AVOID AN OVSRLINIT FSS ON YOUR NEXT 9TATS~ttT , WS IAtJBT RBCBIVS A CONFORMING PAYMENT, TEAT 13RINO8 AND IUZEPB YOUR ACCOUNT B#LANCE BSLOW TH8 CREDIT LINE, WITHIN 20 DAYS OF TH8 ABgWE STATEMENT CL092NC~ DATE, AND NOT Ci0 OVERLIMIT AIiAIN. 06 0093435300047000000100000004$8893b090566856 Check hue fa a change of rte~kip aCdgee or phone numCe4el. BANK O F AMERICA PMese Wovkie ail correctbne on ere nvere* >i~ P.O. BOX 15726 WILMINGTON, DE 19886-5726 ~r+r~~~r~n~n~r~rr~u~~ur~r~~~ur~rr~r~r~~u~uir~ ACCOUNTNUMBEl~ 4888936090588858 RALPH M RETTBERG 99 REGEPICY WOODS N CARLISLE PA 17015-9065-998 NEW~ILANCE TOTAL: $9,343.53 PAYMENTDUEDATE.• 10!01/07 ...._. ~~ Moir thispayment coupon ahng nifh a chock or money oreler payable to: BANK Of AMERICA •o ro 0 0 ~:52ti022250~: i28?609056685611^ JAIIPORTJINT iA11rlDRM11TlON ABOUT TMS ACCOUNT `Grace Period" means the kperiod of rune durnzg a bitting cycle when you will not au:nze 1'critxltc Rate Finance t::.liartes cm certain transactiotn r,r balances. 7hrrc is no Gra;r Peritxi for C.ate:gory A trc B Cash Advances. If von; pay in ktJl this stattmcrttt's Ivew Balance 7ixa1 by its Paymcn: J hx• I}ate and if you paid in full this stetenrrair ¢ Prtwicurs Balance in this statement's l?iltittg cyc3e, then you wil! have a Grace Pericxl durinlt the billing cy'e:le: that began the day after this statement's (:k~:ing Dare czn t}zt ('ategory C or [) prtnittns of this sratemettt's N2u• 13ahncc Tcttal. Duri»g a I)`;n pmntatiunal?r}'R ~rirxl: I) ,.io Periadir Rate Finan;r t:'haters accrue on fralanrx racLt;ories with the t)°.. prrtmcxicxial APR; and 2? ycxt must pay the liztal ~tiztimum Pa~tnem Dtrc: by its Payment Ihtr IYtt~' (anti avaicl~any c-ztht~t' "pntmcNion turn-r,ff event° as defi,xd in your Credit Gard Agrrenzentl m maintain thew)"m prczmatiortal AI'R. "' It a corrtsptmding ,Annual Petrrntage Rate in the Finance Charge Schedule alt the frtmt of this aatettzrnt tttntaitzs a "'K" symbal, then with respect m thr?x haG•tncc ategarirs: t j the 0°v prizrttotiaz<tt :A}'R hm each of the balance caceguries will expire as rat the ettd of the next billing cycle; and 2j y<zu must pay this statement's Ptew t3alan~~: 1ntal by its Payrtx:»t Due }late to avoid Peritxlic Rate Finance Charges after the enJ of the ()`%b pnxztotiunal AI'R prritxi ftn those I><alancrs existitzg as of the Closing Date of tfzis starentetu. CALCM.ATION Of SALAf!N`R ACT TO FgiANd~ ClfARGE L:acegaries A and R - Average Balance 41ethLxl (in;lucling new Casiz Adt atxrsJ: lie ;ak:ulate srpatur Balances 5ubjctit ro ['inartce (Jzargr kn Category A balances and (:atrgczry B balances. tX'e do this by: { t } calailating a daily balance for each tiny in this statement's billing cycle; {~} ,alcttlating a daily balance far each clay prior to this sratetnent's bitting cycle that had a "Pre-C:vck Cast Advance" lrttance, which is a C:.~tsh Advetttce w irh a transaction date privy to This statement's billing cycle izut with a ix»tittg dart within this statement's tzilling cycle-, (31 atkiing all the daily ba(atzces trspn'rher; and (4i dividmg the sum of the: daily baLtnces by the ntunber of days in this staterttent's tzilhng cyc e. "1'tt calculate the daily tralanct hzr each day in this statrn,ent s billing <yclr, w•e rake. the tzcutnirtg halatxr, add an atntxtnt ettual m the applic.•able C)aily Periodic Ratr multi led by the pmvtous day's duty butane, add new Crash Advutcrs and'I'ratzsnctivn }'eel, atxl sufztract applicable (raytzzena and credits. If ant' daily tzalance is Icws Chart zrnz we treat tt as zero. Ter eakulate a daily balance tizr Leh day prior ru this stahKttcnt's billing cy}r: that had a Pn-C:yclr Cash Advanu ba6tna:, we rake the beginnittK balatuc: attrilzurahte sr,iely to Pre-Cycle (.ash Advarres {which will Ix rxro un ChB vansat-tic>n date of the first Pre-Cycle Cal}; Advances, acrd an atnourn equal to the applicaable. Dai1v Pcriadi; Rate multiplied by the previrnzs dty's daily btlar,ce, and add only the applicable Pw-l::y'cle C;uh Advances, artd their n9atetl TratLSaction Frxs. Vtte. eaecfude fnxn this calculation af! u~a.ttsarticros ptnteci in previous I+'tl(ing cycles. USE t t t Rev. p9N6 Cat tics C and D -Average llaily Balaruc 1lrthrxl (including new nansacriczns): Vfit: calcu are srpparatt BaJattc~ec SubjLxt to Finance C:hattte fur Category C balanccx and Categcrry D batatxrs. W'r da this hc^ (t z t~tkulating a daily balance kit Mach day in the bitting cycle, (? 1 addingg alt the deify balances tr ~,ethL:r; :ntd (3) dir-iding the sum of the daily halan;es by the. number. of days in the billitLg cycle. "li, calculate the daily fralance feu each day itt this statrtzyrttt~ bil[iru; cycle, we rake the brk`iru,ing, t?afarur, add atz anxxmt equal to the appficahlc t}aily Fraicttlir; IL~te. muldplial 1+y the pt'ty'irnz+ dads daily tztlatxx, adcf new transacrtrezm, flew Accaurtt 1'•res, arses new `C"iartsarxion Fecti, and sL,btrarx apptic~Lde payznr~rzts atxl uedirc tf a ny daily balance is less than zerLt wr treat it as zero. If the 1'rev&xts Balance showm on this statement was paid ut tztlt in r4zis statrnnm's billing cycle, that cm the dry atiee that paynx:rn~ in ktll date, we exrJtxk frYZrtz the Ezepttning balance new trnnsaai,zrLS, txty Accaunt Fees, and new 'Transn;tinn Fees w=}ti`h postcci on tx lxforc that. payancnt in full daft, and we da oar add row tratzsactirxzs, rMw Aa`cntnt F+yc~s, <u nett' Transacticm Fc~ which pt>st attev chat paytttatr g, full date. We indttde the arses for the t;,redit i'rorectian plan or fix creel it insurance pun:hased throrr~ us in calculating the beginning balance for the first day ctf the billing cycle after the Ice 'rtg c}n le in which such ct»ts arc. billed TOTAL P@gOO1C RIt7'E PINANCB CHItIIQN COiIU+tITAT10N Peritxiic. Rate Fitwux Charges a,xrue ancf arc t:cxnpc:xutdrel an a classy basis. Ti, clere~rmine the hrtictdk; Rate I'irtartcr C'harlte for radz wte}tury, we uutlrip~y the Baiarx;e Subjcet u> Finance Churge by ics applicable Daily Periodic Rate and that rrsutt. lzy the nurnbrr of days in fix:. billing cycle. "To determine the rtztal Periodic Rate Financr Charge far the billutt~~ c ile, we add the Prtitxlic hate Finance C~Larges leer each categtzn• ttzgethct: Each Daily Prritxiic Rare ie calcLtlatrd by ditiding its corrc~sptznding,Annual Prtt;rnragr Rue by 365. FiOW tft!'! At,LOCAT~i XOUR laA1f 'Viii will altetLxzte your payments in dte manner ae determine. ht rnrxt itutauues, we will alkxatr vour payments to balances (includmg transacricros made after this statertLCntj with IaLit~e~ r~l'Rs bolero halancrs with Itiglzrr Al'Rs.'ihis will result in balance's with lower APRs (such as new tralanctx with prrznmtional AI'R uffersi brnzg paid before any cst}trr ewsting halancrs. Pa~nnetnt Dutt- Ot~gs ttfnd Ke~pinp lRUUr Aocotunt ~ flood ~uWq Your Payrtzrar Due Date will oat fall czn dzr santr day each nxxuh. In order m he! ntainrain iztzy prcxzxrtional rattx, to avoid the imposition of Default Raurs fif ..tpplic:ible}, to avczid late fees, acrd to avoid cwertimit fees, we must receive at least the Total 41.inimum Payanent Due by its Payment t)uc gate caclt hillit>,r; cycle and yfw must maintaat }'our aaYZemt 1>alatxe below yczur C'ardit L.uuit each day. Frx the;trmplete terms and r:anditirnLS of your aaounr, consult vrntr A>ZOttnt Agrrrttzent. F1A (aLrd Servicex is a tradeaatne c,f F'IA Card Services, I+l. a.1'his :La~utnzt is r-slued artd admittntered by }'lA Gard Sen•ices, :ti.A. C(/ST~DMi'R S'r/17~1<K! OF OAfPU~gD /I'ilUl -Please call toll ~e l -866-26fi-Q212 t~toirdry-71,tnsclay Barn-9/im (Brtstem 'lime} m+d FricJay slam-7p-n {E,asiG,m 1 lore!. For prort:pt SCrt.'lr:C plcuse Frat~ tbr. nrert:ii~rnt rcferc,scr sttmbcr(s) rtwtilafilc jot the r:barget's,'• in gruution. ON TI11S Ft)Rbl A;tiD DO NOT :41AR. )'otu ':dam,: _~__ ,,_.....,._.._ 'E'tancaction {>are: N~ P~yring t)x>e: :1mr,urtS: ...__~. _.... flispatLxJ Anu,us•~ b: _....___.__._. 1_~ l.'iLx amarot tit dte~ wan rtk°rrasrd tttMn 3 _ ___.___ _ u? 5- ___,_- or rm sales si,p \tias ackirl itxitrt^rt1y. Ft><itx+ed is a u,pg ref the stk~ strp~tatsittn~ ~tTx nxrau atrxxstn. © 1.: ceidfi dtas the rinr#r lisYnlltxrre was tux merle by,rx rx a prnxm atuirunrai by fur wtse rot, ran4 nrr sM.Tt dr gcxxls rx +erYtcec tL•prrttemr,C Ix rsc tratasarxrrat thY:ved t+Y r>K tr a l,trscrtr atahcxvcd by nte. Q ?. ]Craw: nett ntiriY\d the: nrxdw=ells float wac ou he shipptxi m nrr cu} ,,_„_ %_,,,_ M,._ t41MiT1ikY~ }. I t,aYe asked the tttercitant fir Qetllt mg accoLsat . 0 4.1 \vas iswni a cretiit.ur p that u;tE ;era sita+n ua my sctttmem A ~.~,i: of nn trctlit.siip b enzkxsed. Ttw men-hattr I,as up a, 3(i days as cmlir }Lrur aaLrtntt Q +. ~lerchatxlise d+atnassiu'doex! tt n,e haca,zittrt daata~d ardfrxtkftt*iYe. l returmd!t m __._.._.:'....___._..T.__...._f11 )I~'Y}:gslask~t?te,trcrdanta?crrditmyaat,tnuAtdtcitafederdesrLihirrg tt(M~ tIM'. ttlLaeiiatMlta'r was ~ IICICi+Of ddEL'4YC Artcl a i0p} i>f the p«wf Of ntWtt, Q G :~Irhotteh 1 did cs> in ds ahcre Rartsa<tion, l haYe.~tteLruti the,narfiary rrtutm,d dte ma+thandia c;,a . (?,1~1fPtJt'lY;i and rLStursted a credit. l eider did trot mxiYC floc erexiic r>i it eras rttssau~wr+n: ALta~i a xaux trpLiirm~; tvhy rev an: thisrltagge with a to}+y tt? rtse prcxrf of mute If srrti a,r urtahk to rewm the nxrdwiutisr,)>kLSC~in. Q ?. i uatify that dxrdratgr in quataxr YVai,t 6atL\;LiLN)n, itin \t".ti p(~tc% [N1iE ai IIIY fY.ttGtilTrt. t dtd nd a=.rtlxxtze ttr xcatxi trarnarm,c. 4alt~ #1 S ....__._.._.... lteknK,a~ # SsrkiT2S_ ...................... fL:kren<:e~!--- ...----- __ We credit payanrnts as of the date received, if dte payment is t J et,eerv•cd by 5 p.m. {Fastern'Cunel, 2s received at the address shown in the fzcz[tcxtz sett-hand r:rmzet al the frcmt of this staumLazr, 3j paid with a cizLxk drawn in i1.S. ckzliars cxt a t).S. finan:ial itntiturion ur a t1.S. ck>llar mznry rxdey and 41 sent in the eft:lased return envelope wZrlt cznly the botttxu prxtian of this sratrrnrnt a;r a,npanyw~ Jt. Paynxxus tttxivcd aftcx 5 p.m. rnt any clay mchzc6tzfz the t'ayrrx nt Utte Dane, lxu that txherwue ttteet the atztzve requirettxttta, will hr ctL~clirrd as of the next day. ~e will n~jrct pa}'rrtents that are rnv drawn in i?.S. dtztlars arzd daewe drnwm at a Snartciat itLStitutian k,catrd outside of dLe United States. C:rrclit far any ,:tdzer paynt<nrs may be tlrlayed up to five davs.:'~a payment shall nperarr. as an a%atrd attd satisiactxm without the prior wrirtett appn,val of one of twr Settk,r Officers. Vve process most papment checks electrt.tnicaliy h}' using the infrwmatiar. kzund on ynmr check. Each cdzeck authorizes us to create a vne-time rleuranw funds transfer (or process it as a cher:k ar paper draft j. 1=utxls nzay be withdrawn Fran yaur arxcxtnt as sYZCUZ as dte same day we receive your payment. Checks are rxzt retunzed nz you. For rrxare infutmation car to m>,p the electronic funds transfers, call ns at the nunaher listetf on the front. (f yon have audzotized us to pay your e:reriit rani bill autortzaticalty .frt»u yrx,r cavietgs or checlcittg ar:vunt with us, y<>u ruz stop tfie payment cm env amount you rhictk is Lmxzg.ln stop the pa}mxttr vatlr letter must rc-aclt us ar least rhrt'e btasirtess da}•s tzrhNC the auttzrtatic payment L4 sY:htxh,Ld to cx:atr. ()Rlrl W"tTtl YOl:lt 1';'rYM}iNT. C;hac,•sr only oac dispute reason. ReferrKtce Nttmtuh^ - ..._.. ..... .__. 44erc-hauName: _.._. _._...._._ ._....__.__.__ ..............____ ._.._____....._._.._ _._......__.._... © R.1 trmfxd rho rnprharK nn ._._ ` i i"NAtN1b'Yl'i to caul the p,rauthorired order (trxrraticatl. I'1rAVrtrcxe Wrra#aiicxi N and ,f AVaaa61;; t:ndrtr a ~vlsy of y1K,r u,saracc and a a,pt ofvcau ttlepittme bill shcavrr~date a„dtiaLruf.•atrceliapcx,.ltrxxstro rex.at>,t'llatieuv tzuxvitation #: Q 4. Aldrrtu~t I lid erne in d•~ aTtrr\~ trAmarXrrrn 1 ha+r. a>rtth9•rt tJte trrtttham htr aaLxln. The setsre; m ?te pn+vrcinf,u~,_,1__, ! i~1:W[X>1YYiwe,raorr~iYUdtuu:erettteiarofaemry:Ar[ad?akxrer tisrntigr tlx> anars a>~cr1, ran:Lrtetry,ts tit n:artl:e wtth fix nxrtfurn aril a czrpy of taruruntratt [~ 1(). I:etify than l done tcugnir>r tits. eansac'ttcxs..'vfacitants uint+provide tLdualxxtr nwaMs ttcxt m tJxir came nn }roar Eaal~ sCttetan?t,1'lease atzmpt to cc~r+tart lire rrzerrltaru for iniermaticxr Q 17. It }t'trr disptur is bx a ditlcrrnt coastal, pktisY ante t us ar file akrYC tdrplxtrx nunthcc Sil;oantre {requircdi: f)eM: &st concert tckp}x,«r #: Hnmrtir: !tilling ri~~yyts a,r Doty prt~erstd by wzitted inquin.lb ptnsrrve yroar hitting rights, please nhtn a copy of tTris trrcm ..nc! aay supppornnng~,afn,matidtt regatdinnqq the merkrant charge in qurstxtn ro: Atm: Itilfirpt t,tgtti,irs, P,A. Nox 1>Tl: G, Wd,ninRton, DE 14A50-501(, ts5 A. 1't FAST Ti1F,f TT {E O.RIGTIAL 1°OR YCXtti RGC'(1kiX AND SENt> A f,;01'Y OF?7 tfS STATEr1fE'srT. If vour lulling address a contactrnfcx:rttatirm has changed, or if your address is inrorrtxt as it appears an this t»ll, plL~asr pmvide all rnrrtxtions here. Address 1 _ AddfCS£ 2 _ C'irv _ SL`ALC _ Area Cade !L 13ttmc l'honr Aria C_'odc & Work Phone Zlp ro t~ N 0 Prepared /ar. RALPH M RETTBERG September 2007 Statement Coedit lJne: 58.000.00 Cash or CreditAv2v/abla; :0.00 M IN ACCORDANCE WITH YOUR CARDHOLDER AGREEMENT, DEFAULT RATE PRICING HAS BEEN PLACED ON YOUR ACCOUNT. YOUR ACCOUNT WILL NO LONGER BE SUBJECT TO THIS DEFAULT RATE AFTER YOU MAKE THE M INIMUM PAYMENT DUE ON-TIME FOR SIX CONSECUTIVE MONTHS WITHOUT GOING OVERLIMIT. YOU ARE A VALU ED CUSTOMER. WE WANT TO MAKE SU RE YOU ARE AWARE THAT W E HAVE NOT RECEIVED YOUR PAYMENT. PLEASE SEND THE AMOUNT DUE TODAY. IF IT HAS BEEN MAILED, TNANKYOU. BANK OF AMERICA WILL SPONSOR THE WAR, A KEN BURNS FlLM AIRING 9/23 ON PBS. VISIT BANKOFAMERICA.COMlWW2 FOR 20% OFF THE DVD, CD OR BOOK WITH CODE BOA201 v ,o m 0 Conrsponding Annam! Bdmce SuL~ect to Gatagory Rrnodic Rata Porrxntage Rafe Finantm Charge Cash Advances ~~~-~ -~ __~_ A. Balance Transfers, Checks 0.088328% DLY' 32.24% 53,485.00 B. ATM, Banc 0.088328% DLY ` 32.24% x.00 P~psr~ tor. RALPH M RETTBERG 4888 9380 9056 8856 ~~ March 2008 Statement Crsditline.• 58,000.00 Cash or CnaditAvailab/e: Summary of Transactions Billing Cycle and Pay mont Information Cali toU-tree 1-800-788-8885 TDDheering-impaired 800-348-3178 Previous Balance $11,110.22 Days in BiAing Cycle ~ MailPayrnentsto: Payments and Credits - 50.00 Closing Date 03!08/08 BANK OF AMERICA Cash Advances + 50.00 ?.O. BOX 15'728 Purchases and Adjustments + $39.00 Payment Due Date 03/31/08 WILMINQTON, DE 19880-5726 Periodic Rate Finance Charges + 5291.38 Current Payment Due 5441.00 MailBi~tinyingtrir,~sto: Transaction Fee Pittance Charfles + 50.00 Past Due Amount + 52,534.00 BANK OF AMERICA Total Maumum P.O. BOX 15028 Naw Balance Total $11,440.60 payment Due ~'- WILMINGTON, DE 19850-5028 Posting Transaction Referonce Account Purchases and Adiuatmenta Data Date Number Number Category Amount ~ LATE FEE FOR PAYMENT DUE 03101 03101 03/01 1110 G 39.00 OUR RECORDS SHOW YOUR ACCOUNT IS PAST DUE YOUR BALANCE IXCEEDS APPROVED CREOiT LIMITS 06 D1144D60002975000001000DOD04bbb936090566b56 Check here for a chsrgs of m.'tkp rAdreee or phone numbe4a). BANK O F AMERICA pkass provide a. c orrectbro on tM rover" Bide. P.O. BOX 15726 ~~~ WILMINGTON, DE 19866-5726 I...111.I..1..I.I..1..lI...I.lal...lul.l.llul..l.l ACCOUNTauMeEl~ asee s36o 9056 sass NEWBALANCE TOTAL: 511,440,60 PAYMENT DUEDATE.• 03J311~ RALPH M RETTBERG i ~"'A"'""""""""'E""b"'°` 99 REGEPJCY WOODS N ~~ CARLISLE PA 17015-9065--996 ~ Mai! thrs payment coupnn along mYtr a check or money orobr payabk+ to: EL91NlC Of AMERICA ~:52ti022250~: i28760905668561N m s N .. Canse~wrtdsng Annua! Balance Subjar;t to Cats~ary Periodic Rate Pbnenta,7a Rats Finance Cha~gs Cash Advances A. Balance Transfers, Checks 0.086273% DLY ` 31.49% $3,995.30 B. ATM, Bank 0.086273% DLY ` 31.49% 50.00 _._._ __~ __ ~.__~~.__.._ -__.__.._ -___-- _..____.-..-~ T _ _ _ __ ___ _.~ __ IA~ORTANT NI~IDRMA7arON AiOUT iMS ACCOflN'f _ _..... USE111 Rev. 09Jt3G OAACE P Grace Petirxi" means the feria) crf time clurnag a billing eyrie when you will ntt aa:r,.te Yerirxlic Rate F'inanc:e (: ~targes cm certain trans^tctic>~ns or balances. There is no Gram Ptriocl for C;ategrtry :1 tx B Cash Advances. If you par in ft+ll this startxr[:~+u's hew Balance 7ixal by its Paynacm ] kx 1}ate and it you pard m ftr~l rizis statent«x = Prcvinns Balance in this statement s hillittg cyc3e, then yrau cell) ha~'r a t:race Per'uxl duritifz the billing cya:le that began the day after this stau:menr',s C:lrtsing Datr. at the C:att~ory C nr T.) pnrtitxts of this statement s 1~lQw tlrtlance Trxal. Duri+tg a 0',~ pmmotiunal AI'R pctiod: 1) nn Periodic hate Fi;ta[t.e C~tatgcs accrue oft balance t.'attx;txtes with flee t)3%, pmmotirx[ai APR; and 2) v<w mu±ct pay the lirtal 'vlinimum Paytitem Dtx: by its Payment Ihx Rafe (and rtvoid~any rxbe+' "prttmrxion turn-off evrnt° as defined in yaur Credit Card Agreement) ro maintain the t!"~ pramcxicxtal AYR. " It a corn:~xtnding Annual Pettentagr Rate in the Finance Charge Schc~ciule at the Frt~ttr of this aatentrnt auuains a """'symbol, then with.respect to those bat-tncc ~ategvries: i) the t1°.~ prexnttiatal APR hx each of dx balancx uategc[rtrs wi(t expire as of the end of the next billing cycle; and 21 yew must pay this statetrrrnt's Ptew Balance Zixal by its 1'try+ttertt Due Mare to avoid Pericxliv Rare Finance C~targtx after the end of rhr 0`:b prcx[uniunal APR prrtctcl at Chose Italanccx erdstityt as of dre (;losing Darr of this st<uernetu. E;; ALCM,ATION its dA1.A~14'164 Et1E.lECT TO FNiApCE CIIARIiE Caocgorirs A and R -Average Balance tlcxhrad i inclurlittg new Crash Ads;ittmCS1: lyJc calculate separtre Balances Subject m Fina+ue (:)large for Category- A balances anc~ C:ategcxy B balances. lRe do this by: f 1 } c~lculsting a daily balance for thc:h da~~ in dris statemetu's 't+illirtg r'yclr ('2} cakttlating a daily balance frx each day prior tza thts statement's billing cycle that had a "Per-(~vek Cash Advatuv;" lr.[lar[c~, whxh is a C'stsh Advance with a transactir>n date prior to t~tis statemrnt's billing tyde but with a prtsrirtg date within this statecrtenf's billing cycle; (3) ar&iing all the dash- baltnres utgt~xhrr; and 14) dividing the sum of the daily balances by the number of da}•s in this sraternenr c billing ryele. "lice calculate the daily balance fex each day in this statrntem's billing cycle, we rake the ht~nnity; halartct; add an amarnt equal tr, the applicable C)aily Prrittdic Rate mtdti utl by the previous da}-'s cl:tily hala+tcc, add new Crash Advattccs and `Transaction Fees, artcl su~rtrect applicable Irayt:tetrts and credits. ft any daily balanc~r is lest than zero wr treat it as zero. "fa cak:uLue a daily balance for catch day pricx nt this statement's billing cycle that had n Prefiydc Cash Advartcr babutce, we rake the htginnittg balattcc attributable stiriety to Pre-C}•ck (:ash Advarurs itvhich will he zero un die aansattion date of the first Pre•Cycle Cash Advance), a<ld an amcwrn equal tc> the applicable: Daily Perirxlic Ratr multiplied by the precia[s day's daily halar+re, and add Doke the applicable Pre-Cycle. Catch Advatxtw, cent) their relatrd'Crar[sactian Fees. lYlr. exe~ttde Ennn this calculation all tra+tsactions ptssrrcl in previous t+illingcyclcs. t:ateeggorics C. arrd !~ -Average f.)aily Balance ;+lethad (im3udirtg new n•ansacfirxts): 1tGe rakttlate seppa•rate Balattccc Subjc~cx to Fit[arxe Chattte h[r Category C bulaners and C:ategrm~ D balattcts. VPc da this hy: (1 t c~tkulatingg a daily halanc-e fete tack day in the billingcyc=k', (21 addingg all rhr daily kxtlartces at~,~etlir+; and (3) dividing rhr star of the daily halancea by rhr number of days in the biflittg cycle. °li~ calLttl[€e dar daily balance fvr rack da}• in this statelttettt's billhu, ctiile, we take the bcl;itmir+t; balance, add »n anxaunr equal to the applicable IAtih• Ptrirxlic [fate muhipli<d lty the pmviotts day's daily halanrx, add new• tmnstcnurts, [mta:~t:crwnt Fers, and new °Gan~ttxit>n Fec~, attd subtracx appiirnl+k pa}znenw grad rtrdits. if any daily balance is less tlkatt zem we treat it as zem. If the t're+,•ir[tts Balatg~e shcnvrr on this statemt~[tt was tvaicl i[t fit{1 in this suatrrr[rxst's' hi1G+tF; cydr, that un the dt[y utter chat pttynarnt in hill dam, we exclt[ck franc the hepnnirtg laaiattcr new transarxems, nr-u• Acrrntnt Fees, and new'Trarnzurorx[ Fees which posted on or befcm that. paytttettt ira hell date, and we do rxx add nrvv tra+[sac~titxts, tarty A[x`rxtnt F•i:r~ ar new Transacratn Fels; whidt past akcr that paytnatt in hilt date. We inchrde the ccxrs for the (reedit 1'ratrctictn plan or for credit insurance pun:hased thew us in cakulati[tK the be},innirag butane r for rhr first day crf dtr biliittg cycle utter the bi 'ng cyt:le in which such cx,sv; are hillert TOTAL. PERIOaC RAPE FMlANCE CNAl1OE l~Or1~lITATlOl1 Perittdu' Rate Fittartcr (:barges accrue and are canprnuttlyd on a daily basis. Tu dctrrnrutr the Pericx#ic: Rate k•btarx~e Charge ftx radt earegun, we ttuiltip~y the Bai:uxe Subject at Fnance Charge by i~ applic~Mr Daily Prrirtdi~ Rate and that t~esttlt by the number of days in the killing cycle.'lit determine rhr total Periodic Kate Finanrx Charge flee the l>illittK c}•r1e, we add the I'erirxGc Rate Finance C~rarges bar curb categexy tt>F;etht~: Fzch Daily Fetticzlir Rate is calculated lty diiticfing its ratrrsprxrding A+tnttal Prtt:rtttage Rate by 3F.S. lIO1M YYE ALLOCATE XOIJR PA1fME11TE Vtie wilt alktrate your paymtrrts in dte ntantter wr deterntinr. h+ mrtst ittstartces, we will alltx:atr vnur paytttatts at balances (includmg traasactitms rrtade: skier this statements with )otter APRs before halattces with higitrr APRs.'fhis will trsult in balances with lawn APRs ;such as new E (l)ances with prtxtxxicxtal APR offers) being paid before any c>t}trr existing balances. Paymeet!t DriEte Qabs and Kttrt~pinp 1Rour At:aaart in {3ood !la~wWtO Yoer Payntent Due )lure will not fall art the same clay each tmxtth. In order m help rnainrain any prcxttrttional rates;, ro avoid the impositiat of Default Ram (,if applicable}, to avetid tact fees, and to avoid atrrtimit frc~s, we must receive az lease the Total 41.inimurn 1'a}~ttent I:h+e ltv its Payment Due Date etch billing cycle and yew must tnaintaitt your arxcxmt t?al;attce below your Crewlit ldtnit each clay. For the complete terms and crmditions of yottr acern[nt, consult }yro~trr Account Agrern[ent. F1A CF;trd Services is a tradenan[e of FlA Cacd Services, N.A, )'leis acYtatu[t is issued and admittisoered by }1A Ca.rci Services, ti.r1. CfJSTO11ll~R STATii11~YT OF DL'SN/'lR0 /Tilt) -Phase call lilt free l-86K-26fi-0212 MoKCGry-T 4aursrfi'ry Svnr-9jmr (Iirrstern `I'i»re) acrd .Friday 8arit-7prtt fF.astrtn T"ime). Fur ~rarupt utrrti<x plerue hoar the merchant reference r:umber(; } auuilufile %ar iMc r:bur~e(s;' rn grrestirm. PI.F.ASE D() N()T AI:1'l:R t~`t)Ri)ING ON T?ll~ Pl)RM ,~Nb 1)() NC)T Iv1Alt. l'UE;R I.t'TTEN (' Pout Name:. ~,_„~ ~~v`_ 'I'rancaction Date ~ P(?Stint{ Dare: Anxfurt $:.._....._.._...... ___. ___._. _. .._..._...._.... bispixrJ Antaunt 5:......_..__°___...__.......---__._.. ..... C7 i.1lx amtxtm, ai fie daryne tyro inc+easn3 frmt 3. ____. ___ m 5_ __.__._._. ur my shies slip was adclel itrtxtecd): F.tt3crxsl serf a>(ay of tfi s+lrs slip t~iat sixn~ ~ axrecr urxwtn. Q 1. ;rem drat die r•1>aryir iisml a'ncrre was rxx made by mr M a prnxrst audxxizal by nr toffee mrLL~rarJ, ncx 4K7t ~`6' ~£•.(NYlS rN' t7VICCC 1L171t:9ttnPu^ IN Ck t,:Ii~SYtrxl retYartd ~ mF tY, a lxlt[NI w'tltllrxi7td 47' nte. Q ~. I )taw: !x,r tvaival du mxd4c*td6t: ti+ac wen trt be sMapptxi to ntr' cx; __. %___._ r_._.',511'LT1D,'YY). I have asked the raenaam ul cmGr my aaxxtttt. ©a, i was sewn) a crcdir.+iip that teas t+ra sixpw+ txt my tttrnte+tt. A a>Ny of m) ttcdicsiip n ~xlrrtal. Tltr men#am has up a130 das•x to ~ml¢ yx~![r aaxwrt ~~±.4letrhatdisrdotrtrassf+i~{ tcmt}nsurivrrldatttapsdandkxdetet*ave.lterttrneclnrut !_._ fLikUCtta'1'Y}.atdask~dtttt+tnfutn[utaadirmyamxneAtctd+al.^YSrrdestril>;rl~ lxnv ~lr trttat~attlist: wac darrttt~td ntrditx tictetnrc atxl a atpy of the ptrwf of [rrunc ~.~ d :~lthauefi t did et~gpe is dx abre trar~x:ticxt, l have a>rw[ixexi the [tterrhar.•~ rrtutnd die tnachardia ern _ (A1ht'tltkl'Y j cent) tetptcsted a audit. t chd~ did oar rexitx dtis crui¢ txr. was utt;Rti,~acxm, Atta~i a latt'r crplrinutp why vtw a!,c this chaege with a a>C+y t» the pmtti of morn. tf eau mre utwbk to reutrn tfte nter.#atndix, pleax~in. © -.1 xmfy ;left for t3t+rge in gaesticx+ was a aam;xxam, bur ua, pttstrri twi;rr tc; my stttemeru ! c!id ncK a+,rtMxae tiu+:.ecorxi transaaitm. Yale #1) _...__ Refntrtcr8 ~~ RC~tmrtt:e# .._ Ssk if2 S _---._.. ___ ._. _ __ --- We credit pa~•ments as of ttte date remised, if the payment is t) ruccived by 5 p.m. (Fastetn'time), ..) received at the address shttum in the btxtc>Jtt left-hand ccxr[er of the frcmt of this statrmertt, 3) paid with a chcs:k draar in U.S. driliars rxt a U.S. financial insritutinn ar a i.i.S. dollar rn:>rx}• rxdez; and 4) setts. in the en:ic>sud return etwelope with only the battrttn prxtx~n of this sratetnent auctmpat[yuag tt. Payntaus trcetved :tftc:r S p.m. on any day inrlttding rhr t'ayrnent 1)ue Darr, bttt t{tac ahcrvtibe meet [he a brave reyuiretnetus, will hr c7editrci as of uhe next day. Vt%r wit! tt~jtxx pa)tirxrtrnts that are not drawn in CT,S. dollars and chose drattm cat a 5nancial institution krcatrd outside of the United Stttcs. Credit for arty rrthcr payments mar he delayed up to five dale. \n paytuenc shall operate. as an arax7rd attd satisfaction without rhr prim written appntval of one of our Settktr C)fficen;. ~c prrxess mast payment chcx:ks electrtanic:rUy I+y using rhr inhxnaatacm kwnd on yrtur cheek. F.aeh check atuhorizcs us to create a ane~ime elcaranic funds transfer for process it as a check rx paper draft). Funds may 6e withdraw-[[ Fran vnur arxatut as xrrxt as the saute day tvr recrivr: yrrur payntrnt. Checks are hex returnttl to you. For ttx>re infcxmatian ar to ste:tp rhr elrrtmnic fatale transfers, call us at the number listed on the franw if volt have autttariud us to ay your rrrdit curd bill autornatirattly frrnn guar caeittys or checking arwttuc with us, you can stop tfie pavrntnt ran any amawu you dtirtk is wtttng.'tit stop rhr paytncatr gate letter must reach us at )east three business days hrfrae rhr auttxttadc payment is s~:hectt+led m oraar. axle wt t r: 7+rutt t•,~t n7t;n t. c,noase tmty one u:spute reason. Account Number. _......_,_...__, __..___.._... ---_.~....._.. Reference Cvlmlurr ... . _ !4lerchant Hann" _._.__,.__._.,.~._. _. __._ _..._...___._._..__..,......_ ............. ...._.. _____....___..,.._.._...,...._.._._... © 8. I ncat'md dtc+txtrharx nn ._ i h4'sUUts71 t tncanxl the ptratttharved rxJe<• aricxti. Pfrise [xxe ur~ltiiciii iR unit ifavtiktht , cxtcker a aprv of ynxu:xxurac2 anJ a xpt tdttxt. •rk~ttxu: bli dtctwitrgdate a[xtAmrt>f ancvliantxr. f(¢auNt rcxratx'elhtian! tatxte{latian 4: Q °. Alduttairft t Ji<i wagagr in dx alxnt trarnatxtrnyl ha+•e rmet.ml die trKrcitan; ltx aedir.llte services to !te pnn•xtn! txt _r__ ',, _, (,lL4VC~r~ 5'?werc as rbUrivrd ttt acre tuttutsfacmr}: Atrarh a kster t{etcrtta+t~ the scnixs c~raa~yatr artxxtyxs m rrsr>!vr with tlx tttetcftam anti a .xtpy +rf nxtr ctntrMt. (~] 70. l certify that t do nta tewg~titt the trarswttka+. Mrnftatus aftrn pnrtiJe trlmht:ne tttmtbtxs ttrxt m exit tame un }ewe bHktr statemtttr.lNease attrntpt m mntactdtr tttetrl+aru fa• infrxrratian. (r-] 7 t. li ycwr daixer is !ix a diNcrettt reastxt, l~;r axuact tcs at the aMvr trlcph«xx nuntlrc Signatorr ;reguiced): flute: &st axttatt tclrpixmt A: tiatrtrtlt: 13illinK rights arc anfy preserved by written inguin. Ta ptrserrm yaar billing rights, phase rehstn :t cnpy n4 is ttum ant! any- stt~+parnt~ icfurmatiott regat+dtt~ tltc tner-han±chatgc m gtxsrinn to: Attn: lSiltinK lugttirits, P,Q. FSax 1afJ2ti, VPrlmirtP,tan, DE 19RS0.562tr. i ~tiA. PtFASL kl:£P T71E C)RIC;ThAI. Ftllt TC)t1R RF.CC)[(Cl5 Attm SENT) A ( tl1tY C)1 T}DS STATf~1F~r1: If your hillittg address or umtact inforrtratiean has t9tanged, ar if your addresv is incontxt as it appears ctn this hill, please provide all rnrrrxxions here. Address t _ Address 2 _ City State _ Area Cade tSt t iomc Pltune .~rra C_'udc & tY~ark Phone Z.i}t ro tJ 0 N Pr~aarect tor.' RALPH M RETTBERG 4888 9360 9056 6858 September 2007 Statement Crodtt L.irre: $8,000.00 CasharC-e~ddAvailabAe: $0.00 ~ . ,,....,~...-._r........_.. _~_... www.bankolamerica.com .._.. MadPayr~n(s to.• Summar of Transactions Billing Cycle and Payme nt Mfomfation 6ANK OF AMERICA Previous Balance .575.02 Days in BiAing Cycle 31 P.O. e0X 15726 Payments and Credits - $100.00 Dosing Date 09lOBt07 WILMINGTON, DE !9888-5726 Cash Advances + $0.00 Mail Billing inpdrres ta: Purchases and Adjustments + $820.28 Payment due Date 10/01/07 E1ANK OF AMERICA Periodic Rate Finance Charges + $248.22 Current Payment Due $377.00 a.G. 80X 15026 Transaction Fee FinartCS Chances + $0.00 Past Due Amount + $93.00 WILMINGTON, OE 19850-5026 Total M~fimum Ca11toH-free 1-800-788-6885 New Balance Tatal $9,343.53 Payment Due ~ 7DOhearing•impaeed 1-800-348-3178 Posting Trara.action Reference Account Payrnsrns and Credits Date Oaia Number Number Category ___ Amount ___ PAYMENT _ 09!01 __ _~_ 100.00 CR Purchases and Ad' atrnsnts #WAL- #1888 MECHANICSBUR PA 08/09 08/07 9920 5073 C 10.74 06515951886SCtYYV049378385 #FLYING J CARLISLE PA 08x10 08J07 3911 5073 C 40.00 #VERIZON PAY BY PHONE 800-4833000 TX OBJ10 OBJ08 5041 5073 C 109.83 856324198394 #VERIZON PAY BY PHONE 800-4833000 TX 08/10 08/08 6742 5073 C 4125 656324200054 #U-HAUL-GTR-CARLISL #8 CARLISLE PA 08114 08/12 7250 5073 C 26.95 #U-HAUL-CTR-CARLISL #8 CARLISLE PA 08/14 08!12 7334 5073 C 53.89 #FLYING J CARLISLE PA 06114 08/12 2876 5073 C 44.42 #KWIK FILL 259 Q8 MECHANICSBURGPA 08/22 08/20 3555 5073 C 80.48 #WINE 8r SPIRITS 2106 MEGHANICSBURGPA 08/29 08/28 0846 5073 C 35.48 #KWIK FILL 262 Q8 CARLISLE PA 0&'~ 08J28 7420 5073 C 20.59 LATE FEE FOR PAYMENT DUE 08!31 08/31 08!31 9038 C 39.00 OVERLIMIT FEE (BASED 09106 08/26 0120 C 39.00 ON BALANGE 8,982.381 CARDHOLDER SECURITY PLAN 09/08 09/06 7003 C 78.86 YOUR ACCOUNT I3 OVERLIMIT. TO AVOID AN OVERLIMIT F8E ON YOUR NEXT 9TATEMEliT, NS MUST RECEIVE A CONFORMING PAYMENT, TEAT HRINOB Alm Ia;EPB YOUR ACCOUNT BALANCE B3LON TH8 CREDIT LINE, NITHIN 20 DAYS OF THE ABOVB 3TATEMSNT CL09INti DATE, AND NOT 40 OVBRLIMIT At3AIN. 06 009343530004700000D100DODOD4888936D90566856 Check here for a charge of rrrifinp ttltlreae or phone numDe4e1. BANK G F AMERICA wesee prtlvide a. carrectbrte on the rowmee etla P.O. POX 15726 WILMINGTON, DE 19886-5726 6..111.L.1..i.1..L.IL..LLL..L.LLIL.LJ,I ACCOUNrNUMeEf~ aeee 9~a 9os6 Bess i NEW &9LANCE TOTAL: $9,343.53 PA YAlENT DUE DATE.• 10/01/07 RALFH M RETTBERG 99 REGEP7CY WOODS N CARLISLE PA 17015-9065-99A 8~~~ Enar a ErroaNa Mai! this payment coupon along rrrth a check or money ornlerFayabk+ fa: B.4MC OIF AMERIACA ~: 5 240 2 2 2 50~: i 28 76090 5668 561N b m t,1MP~OI~TAMT JIif~RMATIDAf AAOt/T TMS ACCOlANT __-. __.---~ _._.~_ f>iRACE FOOD `(;rice 1'rric,d" means the ppeerrtcxl of rune during a billing cycle when you will not a«;nre Prrirtdic Ratr Finance C'I)argcs cm certain transactions c;r balances. There is no <. race Perini k)r (:an:eory A cx $ Cash Advances. If you pay in left! this statcmc~fu's lveu Balance 7ixal by its Payntcnr I>ue 1}ate and if ,vcw paxi in kt~l this staterrlcfrr a I'rc~ ions liaiance in this statement s ltillittg cycle, Chem you µ~ll have a C:rare I'erind durit>f; tl)e billing cyn:le rftat lx~;an the day after this starment's C:k3sing Datc <Nt the (:ata~gnry t:. or D pntti+tns ctf this statemntt's New l3alancc "l'~xal. During a ()"'o prnna)tiunal .:1PR perirxl: l i aq Peritxlic Rate Fit3an.e (jltarycs ac~crruc nn balancx: cxo:~Grmes with the i)°..; prntn<tttrx)al APR; and 21 you must pay the "L'atal 'ttirtimum Pa}attent Dtrr by its Pa}mtrm Dtre Date (anei avoid any cttix:r `pr..xrcuion runt-off event" as defined in your Credit Card Agreement! ro maintain nc~ t1"•C, pu)motigral APR. '* It a corrtsp+mding Annual Pencrntage Rate in the Tinance Ci~targe: Scht*dule rat the frctnz of this statement ttmeains n """ sysnlxtl, then with a•espect m rhos: haLutr:e uatrgnries: f) the U°.i, pr+unotiatitl APR k)r each of dtt balanrr. catefrorits will expire as of the end of the neat billing cycle; and 2 i you mu:+t pay thi+ statement's I~Iew Tialancr iixal by its Payntcnt Due Dare to avoid 1'eri+xli4 Rate Finance CXtarges after nc~ end of the 4`%o pr<.tnuitiunal :11tR perincl on those lrrlarn-rs existing as of the Cl+)sing D:ue n( this st<uetnent. CALCUI.ATWN OF aA1.ANCES 9UOJECT TO HNANG~ CNARliE Categories A autd B -Avenge B.•tlancr `tile~thcxi (intittrling new Caslt Adsazkesl: IYJe caladute separate BaLtnces Subject tt, Finarur <atar}te ku Category A balances and Category fi haianc+:s. ~X't• do this hy: (9) calculatistg a daily balance for rtcfi day in this staremettt's billing cwc}r., (2y ~inelatirtg a daily balance for each day prior to this statement's billatK cyeEe that had a `Pte.-Cvcl+: Cas1t Advatur;" 1x.31arxn, tchicl3 is a Caash Advance with a transaction date prior to this statement's billin},cycle but with a posting clan within this :,Yatement's ttiilin ~ cycle; (3l a+iciing all the daily Italattt:es n,}mher; and (4) ciividm g~~ the sum of the. daily ~31)nccs by the number of dais in this statement s frilling ryclr. '1'c) calculate the daily Ixtlanc: fix each day in this statrntent's billing cycle, we rake the h~nning halancx, add an attxxlnr equal trt the applcable Daily Prritxiic Rate audtip ird by the prcvtqus day c ci<iily batance, add new Cash Adraaces and `I'rat)stctign f`ers, and subtract applicable }>itytnents and credits. if ant' dal#y bilancY is 1es~ than •rero we treat it as zero. To calctttate a daily balance tnr ~efi day prior ttt this stahrtnent's billing cycle that lead a Pre-Cycle Cash Advarxx haLtnce, we take the lteginnirag ltalaetce attrilxttahle solely ti3 Pre-Cydr (.;ash Advatxes (which wi13 lee zero qn the transaction +k3tr of the first Pre-CSCIr (ash Advance?,add an artx)um ryua- tr) the applicable Daily Feri<.xiic Rate multiplied by the previous day's daily htlance, and add ooh{~ the applicable Pre-Cycle Catch Advattct~s, and tltci,• re~ated'Ceansaction Frzs. UCai. rxcjuck frgCS3 th15+:aICUlilttg73all trartsacxions pcxstt~ci in pn:vious !tilling cycles. _._.. ~..._~__.___.---~_~-__-_._ ___.___~_.____M_____. _. tJSEt 11 Rev. 09r+f}6 (:ategDeers G and D -Average Daily l3aLtrtce ~icthctd (itx-krdittg uew rransacxtnnsl: We c<tlc+tlan. separate Iialattcio Subjcxv to Fin:xncr C:I)at-ge for Category C, b:3lancca and C:ateg+tn t) balances. Vw`r do this by: (l I calculating a daily halanre k)r t:++-h day in the biling cycle; {21 adding all the daily I)alana~c ixt~,ether; and (3) divitlin the sum of the daily halanrrs by the number of days in the bifiutg cp~3e. "l:• ca)LVlate the daily (ralat)ce for each day iu this statrntentrs billutg cyrte, we take the Itt3;iru)ing balance, add at) anx)urtt ryua[ to der applieahk 11ath+ Perir,e{k 1Lan mukipliexi lw the prevl(n3c d3v's dadv h:tlam:e, add new trtnsactie)ns, ttew Accrnrnt Fees, and new "Cian+.tction Fete;, and suhtrac~ appiic~bk pavtnc~tttc and credits If any daily balance is lees than Lett) we twat it as zem. If the I'reva,tts flalancte shtttvn on this staterrtettt was paid in ftdl in this scacenstsr billing cycle:, Chet) cxt flee ti;ty after that payntcrn in feel! date, we+:xclttck from the bepnning t)afatu:e new cransacti+tns, ne:ty Accxntttt Tees, and ttew'Trsttm+:dgn Fees N~}3ich posted on qr brfcue that. pay2netn in full date, and we clo exec add rtevv trattsactic)ns, cxw Act.Yntnt Fee's, cu new Transaeti+tn Fet'+ whidt post aftc7 that paytrrer3t in left! data. Wr inchrtie the oasts ku• the C;redlt Protection plan qr for credo insurance pu^rltased t#trtw~~tttt us in cakulatittg tl)e brginnit~ haL•tner k)r the fast day c)f the billing cycle otter flee billing cwclr in which such cxxtx arc hilEtxL TOTAL PEfl10QIC ATE FINANCE i~1AlIQE COMttRA'110N Pericxiic Rate Eittar3oe Charges aa:rue atxi are cc»np<nuxle+i on :3 daily basis. Tit der+.vmine the: Periodic !tare k'irtatxr (:barge for eat 3 category, wr nutlrip~y the Bal:ux;e Subject u, Finance t;ttarge by its applicable Dailg Periudi~ Rate and that ttsuh. by the number of days in the billing cycle. Tct detctrrtine the total Pcrirtdic Ratc Finance Charge tot the bilEittg c}•cle, we add the Pexitxlic Rate Finattce C~tatges ku Hach category tctgrthex: Each Daily Pt7iodic Rate is rakulated ln• diz•ichng its cctnt'sp+tndittt; tlrtnual Prra~sttage Rate by 365. Ilaw w~E AtlE.ocATS xoua aAn~rrs We will allo+:ate your paymcrots in dtc nrantter we detentilne. hf m+»c instances, a'e wip all+tcau year pavtrtents at balances ()ncludmg transaerietns made after this statettxnt) with G>v5•e:' APRs lx fom lralat)ces with ltiglter AI)Rs.'Chis will result in halattces with lower APRs (such as new fralancex with prctmcrtional AI'R offrrsi being paid Itrfore any +ttltrr existing halattces. Pa~nneM I>tus Daas seed Kra~pinp Vb~r Aocgmt In Got1Kf p Yottr Payment Due DatL will not fall cx3 the saate day each nx>tuh. In order to help maintain :toy pr<ancttioswl rat+x. t+t avoid dte impositiost of Default Rates (if applitable}; to avoid late: fees, and to avoid ovc7limit tee`s, we must receive at least the Tot<11 :vf.inimun) Paytnent 1:)ttr by it Pavmcttt !)tae flare etch hilligt; cycle and yrctt, must maintain your a+x+)emt balance below your Credit l unit e:tdt day. E:tx the a3mplrte rettrts and cnnditirnts of gout aceaunt consult voter Acrrntnt Agreett3ent. FIA Card Services is a tradraame of I`7A Card Services, ~E.4 7'his:tcY~rrunt is issued and administered by }:1;~ Cani Services, ti.A. ', CU8TOti~ STATE~IVT OF DID /irEM - Please eau trrfi ~'iee !-sfi6.266-Cf2]214for,day-~Tiursrlay tia„r-spat (~srtsrerft referee) arty F~,ulay team-~prs {F,astetn Tinoe)..Fgr (~rrr:rpt sen.rcc pierce i,avr the merc:i,unt refer~tre-e numfrer(s) atnailuLle %c3r the cirurge.(s,1 in question. 'iransactinn Uatr.y Pat5ting t7are: Anfourt S:....... _ ... _ ._.._. _.____._ _._......._.... Disputtx3 Anwunt 5: ,,,, -_. Q I.'I?teamafnrcudtec~aeN^t,iaw-reaadtrcxn'4. _ mS_ __ orrmati~ sii}twuut adcle+l iorxtrtecd): F.ud+xfed is a atilt c+f d+e s+k: slip r~liu sMtttr~x axiact Atrxw+x. Q 1.: remty drat the+traryae listal ahrvr was not tna+le bf' me+x a prnxm a+x}xxiud be cur wtne earl. nee faire dtt gcxxft ut' srrvtiec ~' Iry ate t.:tttct:.ttrat ;nrted by otc.x a lxrsixr attdxtrirtd~ nae. Q3.Ituw:nr,rnKri+,.deltenxxefrarxlivetlutwaenthes~Faplxyiatn+tat.,,,,__,' ,,,,,_,_„_._.?~i.LLT1ikYYj. t t+attre ast,cd the nercaant to cre<Gt rcy ac~tM. ~ , i~ 4.1 was nvsgf a cnxfir.+iip that «rs txx sittrwn aft my srrerntc7x. A aaNy of my crcda.siip i~ tndosed. 'Tfir rrfert'fwrrt l,as try ar 3Q dtyt:nt~~c+la yTxar aaxx+nt Q .5. Aferrharxise dwtnas siY~ to me has anitmt! dam~d aadior defec5ve. I returned rt+ut _.._ ! _ . __. ~_.._.. ,_ 1 tf ttllC)la''1'Y Atxi asked d,e tt3achant u)crnfir my amxnu Aeetdt a letmr deseri[Hng txnr tfr. rcrtsc3+arulrx w~ ektmr,}gtd azldltx dcfeccter aoc! a atpy of the }+r+x3f c>f [trun+. ~.~ ti. Aldt+tttef: t did c~c iu dx afxne trartsxtittn, l toot a>rtau:ad the f»erdfar.4 rrtutt><td du tnetthardia c;o (AlivtfDD,'1Yj and ~3~ a credit. f ehdax did mx rexitc dtiau+xiir+x K wac utba'ti;~crxy. Atra~a km~r exl+Ltin3i~; why yew ~,e thiscltatge with a c+>y~ o* tk }xenti of morn. If crw ate urx+hk to reaatt the nterdmndroc, plctse r>, ' in. Q ". t it miy dxx rite Burge N gexsri+.xf was a > rratt.;xxxxt. but' aas pccvt~xi Mtge ur Rte statentra. tc!idncxa.tFM:r¢rtlx .e~rndttaftsatpnn.~ r#I~y._.,._~_. ~t'u~~~_.._.__ W"e credit pa~'ments as of. the date rcmivcd, if the pavmettc is }! received by S F.m. +,Fastem't'tme), ..} received at the address slxtwn in the fxxtcm left-ha»d cetrner qi the frcmt of this statt~rrtertt, 3) paid with a check drawn in U.S. drtllars c)n a iJ.S, tittattcial institution cm a Li..S. dollar money ruder, and 4l ant in the enclosed return ettveinpe with only the: bnttrxn pcxt~n of this sratetneat aaanpattyu~g it. Payntcsta mxivcd aftrx 5 p.m. oft any day tncltxiittg the Payrrxnt Utte I}ate, Intt drtt otherurisee meet the atxwe reyturetttertts, will tar tacrlirr+f as c)f the next day. Wr veil! ti~(tct payments chat are nett drawn in IT,S. ck)Ilars at><i thctst dr<twm nn a financial irtstiturion ktcatrd outside of rite f3nited Stares. C'sedit leer any gd)er paynents may be drhiyed up co five days. loo paymcutt shelf operate as an aax)td and satisEactx,» without the prior welfare appn)val of one of oar Srtigr C)fficen. ~'r prcx~t most payment checks c~lec~tn.tnically by using the inforntatictn found nn p+tur check. Fitch check authorizes us to create a one-time electronic kends transfer (nr process Et as a check ix paper cira(ti. Funds tnay be withdrawn fr+nn yoty acxotmt as scx)tt as the carne day wr rrcrtve your payntatt Checks are n+tc returned m yiw. For tngre inft>rmatir,n or to seep the elrctmnti funds transkrs, call us at the number hsred stn the front. If you have authettized us m pay your credit card bill aunxnaticafly ftgtn your savietgs or checking account with us, p<)u can stop the payment stn env anx,unr you think is wzortg. Tit stop she paytnont yrn)r letter nmst reach us at least there business days hek)re the atttexnatic payment is rac:fiedttled to ctr:cttt: once wt f rt tt x:1< )•nt nsr>n t. c.nortse Doty one utspute reason. !lccnunt Number: ~._.___.... _______.....~ 4terchantNantz:_.._~..._..._~ _ _._....__.__.__......._.__...______..._-__°. ._____..._.._..".._... Q A.1 rrxti,cti rite n>vrchant rn .__ ? ...._ _. t wl.1iND~7Yi mcatxxl dte , rt auttmr"aed+xdc~~ {t+vutarinnl.l'k-asrtxxes..lxz~lGtt+xi M a+xi rfarulahi, rnde'e3e aagty or yex,r.xxaeat .and A a,ps ,+f xxu re3rpMxte bell d3enving dace attd ume of ^atlydhti+tn Reascuf ra:atxdbu+xr / iWxt'llatiott #: Q 4. Ahi,+ttgft I di+t r3eaSe in flee Altrnr trartvtexrcxt,l t3au: contrml dte 1rKrctaxn ix tTed+t The seraic•~ a) ire pnnxted+tn~L.__...f ',.GLWI)[kYYlwerenarta~ned+nwetettttra~3acaxy Atntrhakmr tft_m'tartA ihi' ;u"fNS.i C7~eCt+Y ktxlf attxttyxs m rYr[tttK with dx' nK7rilatx arc! A+~t}' Uf tKx3f etxtvaet. Q f t).l, exrify that 1 do not teagltur lift. trarsatax+. Mrecirett~ c9ixn pro'rufctrlantxxfc rtutnlxrs next m u'rtxt Harm cm }owe kxittrtR sratmmr. f'k~seatrcmpt to conta+t dre rttetchant for iitmrtratictn Q 17. If tav depute i+ kx A diEiircnt rCaS(xt, idea;ti u>txa+:t eat at dte at+nc~ nitphcxtr nttntitz Signature ;rrauircdi: Date: !lest cofrrut tckphunr. tF: tiomeit: Billing rifdtts arc one} ptesetced by tcrittrct3 inquin. lb ptrserve }v,1r itiiling ri¢hts,. phase renut a copy of t +s from :end arty- su pn:t+r~ ttilormatitxt regattiitnf~g the tlterchant charge m questxm ro: Attn: f}ilFinq fngrtirics, Ei?, t~x 1~tlrti, Wd3ttirtytun, f1E 19850-302h, f,SA. PIEASI' tO:FP'[f 1GOR}GfNAf.}Oft YC~EtIt k[:CY)kDS AND SEND A COPY OtT} f!S STA"1'F~~1E~'T IF vnor billing addttas tx txtntact inktrmation has changed, or if your address is incorrect as it appears on this Bill, please provide all rnrrcxxinns here. Address t _ Address 2 _ City _ State _ Area t:c,dr L4 f fome !'barn Arta C_'ude & lYtork f'bctnr Z.ip ro N 0 Pr~red for. RALPH M RETTBERG 4888 9360 9056 8858 ~~ September 2007 Statement Credit Une: 58,000.00 Cash or CreddAvaila6Ae: 50.00 Corre~oonding Mnua! Blanca Sul~ect to Category Periodic Hate tentage Hate Finaatce Charge Cash Advances A. Balance TrartsFers, Checks 0.088328% DLY ' 3224% 53,485.00 B. ATM, Bank 0.088328% DLY ' 3224% 50.00 C. Purchareea 0.088328% DLY' 32.24% 55,579.97 Annual Percentage Rate for this BiMirtg Period: 32.2496 (Includes Periodic Rate Finance Charges ~d Transaction Fee Finance Gharges.- ' Periodic Rate May Yary rt ~ ~ IN ACCOF~ANGE WITH YOUR CARDHOLDER AGREEMENT, DEFAULT RATE PRICING HAS BEEN PLACED ON YOUR ACCOUNT. YOUR ACCOUNT WILL NO LONGER BE SUBJECT TO THIS DEFAULT RATE AFTER YOU MAKE T'HE MINIMUM PAYMENT DUE ON-TIME FOR SIX CONSECUTIVE MONTHS WITHOUT GOING OVERLIMIT. YOU ARE A VALU ED CUSTOMER. WE WANT TO MAKE SU RE YOU ARE AWARE THAT W E HAVE NOT RECEIVED YOUR PAYMENT. PLEASE SEND THE AMOUNT DUE TODAY. IF IT HAS BEEN MAILED, THANKYOU. BANK OF AMERICA WILL SPONSOR THE WAR, A KEN BURNS FlLM AIRING 9123 ON PBS. VISIT BANKOFAMERICA.COMlWW2 FOR 20% OFF THE DVD, CD OR BOOK WITH CODE 80A201 Preparer! tor. RALPH M RETTBERG 4888 9380 9056 6858 March 2008 Statement Credit Line: 58,000.00 Cash or CnsdttAv~7ab/e: Summary of Transactions Billing Cycie and Payment krforrnation Previous Balance $11,110.22 Days in Billing Cycle 30 Payments and Credits - $0.00 Closing Date 03/06/08 Cash Advances + 50.00 ei~~ www.oanKOramenca.com Ca11EoA-free 1-800-788-8885 TDDhesring-impaired 1-800-348-3178 MaNPamrents to: SANK OF AMERICA P.O. SOX 15'728 Purchases and Adjustments + $39.00 Payment Due Date 03!31106 WILMINt3TON, DE 19888-5728 Periodic Rate Finance Charges + 5291.38 Current Payment Due $441.00 A9a/IBiIlinglnguiriesto: Transaction Fee Finance Charges + $0.00 Past Due Amount + $2,534.00 BANK OF 4MERICA Total M~imum P.O. BOX 15028 New Balance Total $11,440.80 Payment Due R'F ~WILMINOTON, DE 19850-5028 Posting Transaction Reteronce Account Purchases and Adjustments Date Date Number Number _ Category ____~ Amount LATE FEE FOR PAYMENT DUE 03101 _ 03/01 03101 1110 C 39.00 Corrbgnondhrg MnuN Batsvice Strt~ect to Category R~nodtc Rata Amaentage Rate Ftnance Charge Cash Advances A. 8alarxx Transfers, Checks 0.086273% DLY' 31.49% $3,995.30 B. ATM, Bank 0.088273% DLY " 31.49% 50.00 C. Purchases 0.088273% DLY ` 31.48% $7 262.85 Annual Perc~ltage Rate for this Billing Perbd: 31.4996 Ilncludes Periodic Rode Finance Charges and Transaction Fae Finance Chames.) Periodic Rate MeyVary OUR RECORDS SHOW YOUR ACCOUNT IS PAST DUE YOUR BALANCE EXCEEDS APPROVED CREDIT LIMITS 06 0114406000297500000100000004888936090566856 BANK CF AMERICA ~ t>b•sepovideai orrrgeactbnson~thsroyessr~n~nurreegel. F.O. BOX 25726 _. WILMIP7GTON, DE 19886-5726 ~u~f~~~~u~re~~~u~u~~n~~~~~~n~~n~r~~~~u~u~r~ RALFH M RETTBERG 99 REGENCY WOODS N CARLISLE PA 17015-9065-998 ACCOUNT NUMBEti~ 4888 9360 9056 8&58 NEYY~ALANCE TOTAt: $11,440,80 PAYMFNT DUEOATE.• 03V31108 c,~..p~rArnxrr Era+W.a ~.._ Mail this payment coupon along with a check or money order payable fo: BANK OF AAfER/CA ~: 5 2ti0 2 2 2 50~: i 28 76090 5668 561p v m m ___ _ lAWO~f714NT /NIRORMATlDN ANOt/T TlIIS ACCOUNT USE[ t t Rev 09!06 fi~1ACE PlRWD °Crace Period" meats the ppeerricxl t>f tittle duri,tg, a bitting cycle whet[ you wilt trot accrue Petirtdic Rate Finance C'ttargts on certain trans:,ctian rte balances. Tlxre is net (urger l'r:riocl kx Category :1 cx $ Cnsh Advances. I# ye:u pay in full this statcrniwx's hew lfalanx "I rtal by its knymcnt lhrc !}arc and if you purl ,n full this statrmonr c Prcviotts t3aiance in this statement s billing eycle, then you w711 have a Grace Per'uxl duritt}t the Mtling c-ywte chat ite~tn the day after rhts sratemcnr',s (:k>,sing Date on the (:au~gary C or D prmirxts of this srttemnx's hew T3alancc'Ttxat. Duurrg a 0'~ promotiuual .'1}'R prritxt: }1 nn Petiexlic Rate Fittarce C;lutgc~s accrue ttn balarxx catrt;txies tvith the t)°.., promcxicxiai r~Plt; and 2? Yew must pay the "lima) \~tutimum Payment Lhtc by in Payment Ikre Dare (an<l avoici•any cutter "pn?rnotion Turn-rrff event' as defined in your (:'relit Card Agreement) m mainmin the U"~ }uomaional APR. ~" If a correspetnding Annual Penentage Rate in the finance G3targe Schrciule em the front of this statetttent c'tnttAitts a "'"" sysnhrtl, then with respeu m nc~?se batarue :ategc+ries: 1 j the 0"i. pntrtrotiatal :11'R her each <tf the tratanrr. categories will expire as n# the end of the neat hitting c)~cic; and 21 y<w must pay this statement's i~ew t3alanm Tixal by izs Payrttcnt Dtte Datc ttt avoid Peritxlic Rate Finance C~targes after the end of the 0'%b pnx,tntional APR period rtn th<tsc halatxes existing as of the Closing Datx of this stsmntetu. CALCULATION ~ itiALAt1rIC.~B sNeJiCT TO FINANCE CFIA110E Categories A and R - Average Ti.•tlance 1lcnc~xl(imludirtg new Cash Advazt`cs):.n/c caculate srparue balances Srtbject ttt t'inata.•e (Marge h>r Gatrgctry A balances anc~ Cattgctty h balances. lWe~ do this by: f t } calcutatistg a daily balance for each clay in this sta.temeru's bitting c~yclr, ('~y ~lcttlatirtg a laity ba[ance fox each day pritw to this statement's billinK cycle that hat a "Per-Gvcle Cash Advatue" trdzutce, which is a Cash Advance wi[h a transactie>n date prior tc+ t1t» statement's billing cycle but with a Ixtsfing elate within this statement's frillin * cycle; (3) ac)ciittg all the daily baLisx;es tcryt:ther and (4i dividin ~~ the sum of the daily ~at:tnces try the number of days in this statement: killing cycle. 'lit calculate the dail}• italance kx each d:ry in dtis statrntcntt s hitting cycle, we rake the b~ning balance, adci an amewnt rryual m the applic~ahk Daily Pcricxlic Ratc uutltip irl by the. previous ley c daily balance, add new Crash Advances attd'li'artsaction fees, acre! subtract applicable p4ty[:tents and e.•reelirs. Tf any daily ltalancY is less than zero we treat it as zero. ~Fo calculate a daik• balance Ent Bch clay prior nt this stahatx nt's• hitting e}clr that had a Pte{:yeic Gash Advarx:e balance, we take the beginning balance aari}sutab(< solely to Pre-Gycle (:ash Alvatxes iwhich will ix 'rxro un the transaction dote of tke fist Pre-Cycle Crash Advance!, add an antttum equal trt the applie~~hle. Daily Peritniiic Rate multiplied by the precious lay's daily balartoe, and add only the applieahte Pre-C:ycle Cash Adt~attcrs, glut dtcir n9amd Trart.~action Frzs. v(te. txcjuek from tltrs calculation all rrartsactions petsted in pr:vi<ws latlirtg eyclas. t:ate~ tics Gand D -Average I.)a.ily T3ah~nre lgethnd ii»clulirg new aansacxicats): V6e raktrlate sr~p•g•race 8alattcec Subjcxx to Firurtce Gta[•ge h>r Cateys~ry C balanceu and C:ategctry D balatces. l1''c do this h)^ t1) cakulating a daily balance ftu• rash day in the billing cYek°, (21 adding all the laity balances n. ,ether; acrd (3) dividing rho sum of the daily balances by the. number of days in the biftirtg c)=ale. 7i. cakulatr the daily )ralance fur rack day in tits stateunettt's biJlinx; cycle, wt; take ttre bc~irming ftaFanrr, add an anxtunt equal to the appticahke 1?aily Perirxiic; Rate muloplicd Iry the previrnts rtty'.s laity balatae, add new trtnsvctxtns, ttew Acecxtnt Fti-es, and new `fransartiat Fee:;, acrd subtract appiirahk paytrtcNrts acrd rxedits. If arty daily balarxr s less than uttt we twat it as zero. If the I'revkxts Hof aru~e sh<mn on t)tis statement was paid in ftdl in this staterrxtrtt's' hillirtq cyr6r:, that cxt ttte d:ty abet that lxtyntrrm in htlf date, we rau;ltxk (tYx,t the begi»nirtg lxtlaexx new rransacti,xts, tttw Acccntm fides, anti new Trarttxuxietn Fees which prxtcYl on rx lxlctre that pa}2nettt in full date, and we let ncx atlri crew trartstctiuns., crew ActYxtnt Fetes <x nary Transaair m Fcti~ which pttat aftev that paytnatt itt full data. We iue:lude the a tsts for the t;:redit Prcttccrktu ~n or frtr credit insurance purc:hasetl tttrr us in cakulatinK the hrginttirtg alaacr for the first day of the billittg cycle afteF ctx: bi'ir,}t cycle in which such cxxts am bilfrxi. TOTAL ~DOIC M77~ ~IIIAdCE CiM110E CO~lUTATION Periodi:: Rate Eirtattcx Charges accrue and are ccxtt}xaux)ed un a daily basis, lit clcrtxrnine the Pt7icxiic: Rate Firutrxr C.:ltargr trtr each wtegury, we mttlrip~y the Tiaiartce 5ttbj~t ut Finance Chu by its applicable Dail}• Psriodic Rate and that result. by the numkcr of days in the= hi ling cycle. "Tb dtterrnine chc tcxal Prrirtdic Rate Finantx C:hargc htr the billu evrle, we. acid the PcritxGc Ra:e Finance (~targes for each categcnp trtgettut: Each !}ally Peritxlic: Rate is rakulated by div'?diny, its corrt~spctrtling r~rtnttal Percentage Rare by :36.i. IiOW Nf! ALLOCATti XOUR 11M11N~IIT>s We will alkrcate ycxtr payments in the manner we determine. ht rrxtst nuratx'es, we wilt alktcau: your pavtttertts nt balances (including transactiexts [made after this vtatetttent) a7th le'tsvc;: APRs bcf<im tratattces with ltiglter:•YPT2s. This will result in batancY~s with lnwex APRs lsuelt as new tralanctx with pntttxtricmal APR offer,) keittg paid hefom any c+tFter existings balances. Paynunl Dos tDatas and KMpNp Mla~ Account In Qood Yottr Paytttent Due Date will ncx tall ex, the same day each nxutth. In rider m harp ntainrain any prrntxxiotutl rattx, to avoid the imposition cif [7efault Rattx {if applirahle}, to avoid late fees, arul w avoid ctvc7limit tet*s, we must rert;ive at kart the Total ti~t.ini?num Payincsnt 1:)ue by its. T'aYtmenr. [)rte [)ate each billing cycle and }rctu must maintain }'our aoc etwn l>alattce below your C:retlit Ci,nit each day. For• the utntgkte mans and conditions n! your account, consult tmrtr Acnounr Agreement. FtA Card Services is a sradcname of FTA Gard Services, ~. ~. T'ltis :tctwunt is issued acrd adtnittiscered by T~IrY Card Services, ~.,1. CUSTOANiR STATiA~NT Ore OlliPUT/D /1RM -Please call bolt fiYe ! -Sr5fi-26fi-021214tnud1ay-7Ytursday Sam-.9pm ITrtsttrn 'l'ime} and ~`riday Ram-71»tt ~'. (Eastern Tiare)..For nrurt:ltt sertti<x ltlP.rur ltaa r tl.+e +nercJtant referrrrce nutnbcr(1 available jot ibe cllarge(s,'• in qurstic~n. !~ ['I,t:ASls T)O N()T ALTtR 1Y'i)Ri).'}VG OV Ttl[S Fl)R'N A\D A() NOT MAfT. YOUR t,t:T-TER Ok FORA3 u4'tTt[ YOI;R T'.AYMTiNt: C#?oost only one disport reason. )'our ham.: ,r-----`~ ~_ _.^,_ry Aimunt tiumhtr: ,._.____..._...-__--_. _._.__.._ '1'ranaactinn fare: Fasting Care: Rzfcrentx~ Ctiumb,.m " ~ "~ Amt+ur't S: _ ..._._... _.__.....___. _ Disparex3 Aaxtunt 4:. _ .____~_.._...... Mrrcha:tt Nante:._...._.. __ . ~] t '1Tx: amount of d?e e ~ trtrttased frrm S ,.M_. ~ ~...._ m S_ ... _ or ern sties ©N.1 rtrmt'xd the ntacharK tit _ ...__ r._ MAt,•lli>,71 t to carnet die prrauttu>racd order Sill?Wa+ad,.lecl xtrixterdt:Tal.~?sed Lt.l il~J'en du'sakc Sllp iliv six>,tti~n,crtxranxuun. IRS~IYranOnl.[~SF'[MN[VhDtt~and rlaY'71~111t", r7kfhiC dlY?pI'O ycty(:YxKG0. .An+fa ©Z.. cetait that tht ctrarRr ti<ml aixrre was our matte hY mr a a ptrxm audxxntci by rte totrsr m cart!. ncx atpe ~tf rcwr rrkplxute tmtidttnvmg date and bntrof cattrdlae+st Reascm ra ~u:e&ituuti tarK.tr4Luion ~: 4xYe dr gxxk rx aervrctc rtT+arxrard In ttr t:cucuxxxt . n-erred t* m+: nr a Ix+crxr attdnxiad ~• ate. Q 3. I ttavr rxx mrirxtl the nterdwrtdie tl4tt wag eo t>r shapputi at nu cur --!__„_ „, _._. !'vL4UTtik'tY). i hunt aesictr! the mercftant ttr rxerGr mp acca:.u. , © 4. [ was i,~ufti a crtdir.riip rtwt++°as txa sfxrht, tut my sm;m+ent A cr,py of rag crtdn slip is attdtsed. 'T}rt trwrttwnr has up at 3D dabs to credit ytxu xcourtt © +. Wcrchat,discifartirasshiooedmmehasarmAC[dzttttgadmrdlurdt[ettivc.l~urrted!trn _ ._.1 __...._?_..... _ iii tk5'Y aril asked tttc ntr. nr at cttdir nw aoxxnn.:ltttcit a kntr dcsctihim,, tiny the. rtKarharulise was dnmatyed atuVa dttea?ve anal a atpy rtf the txrxtf c+f rmrrn, ~ r;. Alrhtweh I did crtga~ in to atrnz trat~aaict», I franc atr,dx'ttsl the ntachanr, rttuttsd die rnerch;ukfia t;n_ IM1dR)[x'lYjandtryuzstttiaerndit.[rtidutdidtwrraxivttltiscrud'nnri:++ras unitis~atit?iy.Atta~iaexpLtinu>f;tvtrcrou~rdisptrti rhisrharlg:witha~o?t[rpn>,tiaf m,nn. [f pnu are uturhk ra mttrrn rht nxr~rstndrsc, pkstar ca~pltin. Q %.1 iYttity :hat the dtaeye in gttrstKUr was a tratt.-ttxiaq bra uas pecxz<i [Hite u. my sr.;tentrtt 1 did ncrt a.nhrxizr the secntttl tramarvoc. alt. #1 S .....----- He6~wr # ^__.__.,_. 5:tk iF2 S _.._._..._.. __-- ...._ Racmrce 4 _._.....__...--......_ PayltMlulf ~Yle credit patntu~ttts as o£ the date received, if the payment is T) zrxeivcsl by S p.m. {Fastem'l`unel, i)received at the address slutwn in the (xtttcxn left-hand comer of the frrtnr of this starcvrttnt, 3I paid with a cltcxk drawn in LI.S. drtltars ex, a tI.S. fimanaal institution err a i.1.S. dtt)lar metrtry ttrdcr, and 4) ant in the; en:.lexsed return envelope with cxtly the Ixxnun prxtxin of this sramnknt aaarttpanyrn~ it. Paynaetux ttuivcsl afux 5 p.m. ott any day mcltxling the Pa}•rrmnt Dtte Date, kut drat otherwise trteet the altttve reyttirntttttn:, will hr ctrxliCed as elf the [test day. D: a cri#t reject payrttrttts that are ncu drawm in IT,S. drtllats and thcwe drnwzt cut a 5nancial institution k,cated outside of due United States. Credit fro arty +adtcr payntettts may be ifclayrd up to five e{ays. loo payment shal(opi•rate as an accord and satisfacttrtn wit[tatrt the prior wtittett approval of cme ut oar Bartlett Officers. 'PVe process meat payment checks ekctrctnically by using the inhtrntatictn knrnd on yrtur check. Fitch check authorizes us ro create a erne-t ime cleurctnic funds trat,sfer for process it as a check or paper draft}. Funds orgy be withdrawn Fran yoty atxextnt as scxrn as the same day we receive yetur payment. Checks arc not rctttrnetl m yi+u. For more information or nt ststp the electronic funds transters, call us ar the number tisced ctn the front. If vori have authorized us m pa}• your credit card bill aunxnaticaliy from yrtur savi[tgs or chrckittg acwuut with us, ycxt can stop the payment ott env antnunt you think s wrong, Tit step the paymcrtr ytnar ieKttr nuts[ reach its at least three business days befexe the autrtmatic payment is rxlteltded to tx;ctu Q g• Ald><xgft [ dttl fYl~agr to d+t a[xnt lransatxiat,T ha+x: ct.tta~ml die tru°rc'Itan•, kx cnxlit. Tate seniC~es to lx• pntrn[af rut _.f__._ f _ ilt:~IrtmitfY)t+xreatx re,xi+:cd to Ktrc waatisJacatr): Atradt a knee tfLwxnT?irq[ dx: srf~~:xs cxpccrn~+txn atmn{xs m rt:toi:e wkh the rrcrcitatn :nut a atpy rf ytntr utntraa. (~ ! it. [;~. char [ done mcgr»~ the trau?srttKnt. l(ucc#ta*.~; ahrn prc'ridt trlsnMtnt ntrtttbcrs matt rn dtrit tarot rxt}e?ar bilinR sratemnx. Fkaseatttntpt rocorit:utdte rxtttcl,arn fw•infeatrancxL Q .[?.1# prwr disport is hx a differrmt rt~tu?, pi~,x cttrnac t to ar die afra+e rdeq,fuxx nuntbtc 5i~mamrx• ;requited}; i)ate: &st conrdtt tckp}xtne f: Name.#: itillinA ri~~lltt~ err Doty ptesencrl l>4 t+trittttt inquire. To pts~sexve yroar billing rilthts,_ please nhrrn a copy of tlt,s rrcKmm attd gay supppornng icformatiat ret;ardi?~tg the merdtanr ch3rgc ?n qucscu+n tar Attn: Brlfitpc Tuquitics, P.U, tSr+x 13020,, WiLrtirlgton, T)E i 9gs0.302(,. t.`SA. PI EAS>' IOiF,P TT i[ OR[G[NAi. T'OR YOEIR R[:CY.tRi)5 AAII) SCND A C:Ot'Y Ot TT [!S STAT£hfEh'T, If vortr billing address or wntact information has cltartged, or if your address is incarrxt as it appears nn this hill, please provide all rnrrectinru bete. address I _ Addross 2 _ City State Area Grtde & f Tome Fhottrn Area C`uc[e & iVork Fhc?rte 7..iP _..._ __.._.__ ro N a Primed tor. RALPH M RETTBERG 4888 9360 9056 8858 ~~~ September 2007 Statement Craoittine.• 58,000.00 Cash or Cred/tAvailab/e: SO.DO '~~~'~fO' Summary of Traneactiona Billing Cycle and Payme nt Information BANK OF AMERICA Previous Balance 58.575.02 Days in Billing Cycle 31 P.O. BOX 15726 Payments and Credits - 5100.00 Closing Date 09!06/07 yYILMINQTON, DE 19888-5728 Cash Advances + 50.00 Mei18N%mgtnrtuirias ro: Purchases and Adjustments + 582029 Payment Due Date 10JO1J07 BANK OF AMERICA Periodic Rate Fines Charges + 5248.22 Current Payment Due 5377.00 P.O.80X 15028 Transaction Fee FinarlCe Charges + 50.00 Past Due Amount + 593.00 WILMINQTON, UE 19850-5028 Total Mtnmwm Call toN-tree ~-800-789-~85 New Balance Total 59,343.53 Payment Due a ~TDDhearinp-impaired 1-800-348-3178 i Posting Transaction Reference Account Payments and Credits _____ __ ~ Date Date Number ~~ Number Category __ _ Amount PAYMENT 09101 t00.000R Purchases and Adjustments #WAL-MART#1886 MECHANICSBUR PA 08!09 08/07 9924 5073 C 10.74 08516951888SCtYYY049378385 #FLYING J CARLISLE PA 08110 08107 3911 5073 C 40.00 #VERIZON PAY BY PHONE 800-483-3000 TX 08110 08/08 5041 5073 C 109.83 85832419!X394 #VERIZON PAY BY PHONE 800-483-3000 TX 09/10 08108 8742 5073 C 4125 656324200054 #U-HAUL-CTH-CARLISL #8 CARLISLE PA 08114 08/12 1250 5073 C 28.95 #U-HAUL-CTR-CARLISL #8 CARLISLE PR 08/14 08!12 7334 5073 C 53.89 #FLYING J CARLISLE PA 08!14 0&12 2876 5073 C 44.42 #KWIK FILL 259 Q8 MECHANICSBURGPA D8J22 08!20 3555 5073 C 80.48 #1MNE a SPIRITS 2108 MEGHANIGSBURGPA 08/29 08/28 0846 5073 C 35.48 #KWIK FILL 282 Q8 CARLISLE PA 08/30 0&'28 7420 5073 C 20.59 LATE FEE FOR PAYMENT DUE 08!31 08131 09/31 9038 C 39.D0 OVERLIMIT FEE {BASED 09106 08126 Dd20 C 39.00 ON BALANCE 8,882.36) CARDHOLDER SECURITY PLAN D9/08 09/06 7003 C 78.86 YOUR ACCOUNT IS OVERLIMIT. TO AVOID AN OVERLIMIT F$$ ON YOUR NEXT STATB)QNT, NS MUST RECBIVB A CONFORMING PAYMENT, THAT BRINGS Alta KE$PS YOUR ACCOUNT BALANCE BSLOA T88 CR$DIT LIN8, SiITHIN 20 DAYS OF THE ABOVB STATEMENT CLOSING DATE, AND NOT GO OVERLIMIT AGAIN. 06 0093435300047000000100~00004bbb936090566b56 Check here far a chsngs or rtriiny eddreae or phone numDe4N. BANK O F AMERICA Please provide a>f car n ne side. P.O. BOX 15726 WILMINGTON, DE 19886-5726 1...Ill.1..I~~lal~~l~~ll..~I~lal+~rl~~irl~llr.l.~l~l ACCOUJYTItIUMaE/fi as6693s09o56s9ss NEW 61ALAlVICE TOTAt: 59,343.53 PA YAIENT O!!E DATE.• 1 Q/01J07 RALPH M RETTBERG 99 REGENCY WOODS N CARLISLE PA 1701E-9065-998 E,nr wynrrAmawar Fi,oibwt _._~ Mail fhrs paymenf coupon along with a check or money order payabk+ to: BAA9C OF AMER/CA 4 5 240 2 2 2 50~: i 28 76090 5668 561a ro m m 0 r~oRrwr ~ur~av,uour n,xs ~*. _. ___ __ ____. _ ._ . _ _-._-_ ~sE,,, rev osros 1 LfIACE PWIIOD Grace Period" means dte pprerrioeJ of time during, a billing cycle whrn you will nex a::t:rur Yericxlic Rata Finance f'ltargrs cm certain transaction<ot balanrr;. Theta is no Grace lreritxi for C,:tt<:gcrry .1 cx t3 Cash .r~dvarrces. If vau pay in hall this statemett's I3ew 8ratanc;c 7'crcal by its Paynrcnt ] hre 1}ate and it" yarn paid in fetal this staterruatr's I'rc~•icrus Balance in this statement s billing iytdr, theta you will hatiz a Grace i'eritxl during the hitting cyz:le that bc~,*zn chc day after this statement's C:Ic>"ving Date on the Cau~ory C ear T) portions of this statemrttt's I~Fw I3nlanee 7ixal. During a f?'~, prrrttx>ti(nral ?tI'R prrit5(f: J l na Prruxlu Rate Finance (;ftatges a('ccruue on balance categortes with the U ~ pmmuticxral APR: and 2) yew moat pay the "lixal 'viinimum Paytnerrt Dar(: by fts Payment EAtr Date {ancl avoid any (xtttm "prtnncxion turn-crff event" as clrfined in your Credit Card Agreement{ to mainixtfn the i:l`' promotional APR. It a corresptmding Annual Petxenttrgc Rate is the Finance C'ltarge Sctte(lule alt the fremt of this statement xxttaius a "'°" syrnbal, then with.resptxt m chase balztue :ztrgaries: J j the Q"ro pprrrxixr[lbtL'il APR fex each of dre balance categories will expire as of the end ref the matt billing cycle; and 2} y(ru must pay this statement's [Yew Balance lixal by as Jraymrent btu Dare to amid Perirxiic Rare Finance C~twrges after the end of rhr 0'%prcxrtcrtic+nat APR petmd rxr those lrtlancts earistttyt as of the Closing Datc of tktis starrrrrent, CALCUL#TION Lf E1AI.AHI'71tA Rt~[CT TO ~+N~fANCIE CHARLIE C;atcgaeies A and I3 -Avenge. I3;tlattce Slerhod i inclur-fttg new Cash Advattcesl: We calculnre separate Balances Jubjeer m Finance «targe hx Gatr};ury A bafancts and t:acegory A haiattc(:s. We do this b}•: {i 1 calatlatirrg a daily balance for tacit clad in this statement's biliirtg ~-ycle; (2J ~:alcuiating a daily balance fix each c{ay prier txt that statement's billing cycle that had a "Pre-Cycle Castz Advatk e" lxtlance, whKh is a C~zslt Advanne wide a transactivn dare prior ro t~tis statement's billing cycle but with a }xnYing date within this srtatettunt's hitting cycle; (3} adding all the daily LralattceK wgether; aatd {4j dividing the sutra of the daily balances in the nurnbr r of days in thir• sratetnenr c billing ryele. "lit cakulatr the daily lxtlance her each day in tJtis statrntettt's• billing cycle, we rake the heginnittg balacu.e, add an arnextnt erlual m the applK~able Emily P(.xi<xGc Rate tztultiplliecl by the. previous d:ray-c ti:zily hatatt~, add new Crash Advances and'I'ransacrion E'ees, and sujatracr applicable payments and::redits. If any daily balance rs Its theta •rero wr treat it as zero. To calculate a daily -ralance for ~teh day prier m the statrtnent's billing c}cle that had n ['re-t'ycEe Cash Advatx r bal:uxe:, we tale(: the bes;innirtg halatue aaritxetaMe ssrlely to Pre-C:}•clr (:ash Advances (w-hich will t>e zero un [tae transaaiun date of the first Pre-C;yck Cash Advarxt), add an attxrunt equal to the applfcabk. Daily Pt7itxiic Rare multiplied by the previous day's daily balance, artd add only the applicable Pre-C:ycle Caish Adearu t•s, and dtei.r rrJatrd Trat>reaxtion Fexx. Wr excjudc from this calcularic>n a[l tratrsacticros pe>sted is previous billing cycl(.•s. C:atccggaa~ics C; aril D -Average }.)wily l3alwnce lvlethcrd (inchuling new nznsacxintts): We raktilate se rite $alatrcc~ Subjucx to F¢tatxc Cltaryte hre Cate};ory C balanttt; and C:ategem p balances. Vue do this hy: {1 t calculatingg a daily balance far i ach day in the billing cprJr, (2) addingg all the daily tralaaas tr ~ethc:r, anal {3) cli•riding the sutra of the daffy balances by the nttmher of days itt the~illirtg, cycle. `Ii+rak:ulate the daily lralance for each day ut this statement's billuu; ctirle, wt: take tfrr begamirtg haianre, add an anxwtu equal to tttr appli(abh: IAtih• Prrirxlir [Lzre multiplied by the pat clans day's daily halame, add new transactions, ~- Acxrwnt Fees, and new 't'rarrsacm>n Fern, and suhtra<7 appiirnbk paymu~rrts and cxtedits. if any daily halanc~e r4 less than zenr wm treat it as zero. If the 1'revkn,,s Iialarrse shcmzt on this staterrtent was paid in fitll in this stati:tncxtrs higing cycle:, that ten the day after that payment in full date, we ex~ltuk fmm the hepnnirrg laaiattce new ttnnsarti<xrs, new Acxrrtrrtt Fees, and new Transztc don Fees w~}tich prxtccl on or bcfcrm that pa}zttettt in fill date, and we do rmt atii new trartsactirxn, crew Account Fees, or new Trattsaccion Fear' which p(>,st after that paytrrertt in ftdl date. We include the ccxsts for the t;;redu Protecrintt plan ar for credit insunnur putthtsed thorn~h us is calculating the brµrtnitrg 6alancr f<>r the first day cat the billing cycle after the I»Aing cycle in which such cxtszs are billed. TOTAL PERiODiC RATi !rNlANiHi giAllOit COMaIlTATION Prxitxfii: Rate Fitwncx Chars aarue atnq are axn}x.nuuled on a daily basis. Tie determine the Ptxicrdi(: Rate I'itlarr(.e <:barge for emit wteµon, we mttltip~y the ftal:utce Subject at Finance Charge by its applKable Daily Peri(x1i~ Rate and that result. by the numlxr of days in the biliirtgcyctc. Tn determine the rcxal Pcricxtic Kate Finance Charge fcx the bilknngg cycle, we add the Pczitxfic Rate Finance CYtatges her ra(.it catrgcrn ttrgethtt: Each flatly Pericxlfr Rats is cakztlated by dividing its rotrc•spcrnding Anrntal Pett;entagc Rats: icy 3d5, HOW Wi ALLOCA'1R YOUR PAS We will alkx:ate ytrur paymerus in the nunuer wr cktcnrtine. ht most inttattcer, we Will allexau YOUY pavntentS Mr haJances {lIlCladmg trwnsaCtt<H1S rrtacle aftCC tl1IS statenrenr) with lotler APRs before hwtarrces with luglrtr APRs. `Ehis wf0 result in balattct~s with lower APks {such as new tralancrrs with pnrttxrtirntal APR offersi beirtK paid before any cxher existjng balances. Pallntmr! Dos Oats staid Ksspinp Vat Aocaart in Lab WandMp Your Payment Due [)ate will not fall cxe the same day eacb nxnrth. !n order to hety rtrafnrain any prcnturtional rates, to avoid dx impasithxt of Detault Ran•s {if applita bill, to avoid lair tees, and to avoid avcrhmit te(.w, we must recx ive at bast the Toc.1t N:mimum PaySnrnt line by its Parmtc'nt I)ue Date each hilligt; cycle and yrrn mvsr maintain your aaY>emt balance below your Credit Limit each clay. Frx the urnrplete terms and canditirrns of your acrrntnt, a~nsult mar Acronnt Agmtttent. flA tL:trd Services is a tradename of F7A Card Services, l~+'.~. 7'Iti actwunr is issued atxl adtnittistered by I1;\ Caard Services, :N.A- ' CIISTOM1Bt S?ATHAIWIIT OF Dr8P~/1 L0 R!'M - Please call [tilt free t -8fi~-2b6-0212117a+rd:y-'t9rrn~uia}• 8a»e-9pm (Psnsrern Time) acrd F'rirlay Elam-~prn (F.asAern 7ime?..Fur prorrrpt senti<x pluzre TrasK- th. a rrtercfa~wtt refcrertce numGerr(s} available for rbe cburge>(s,'• in cluestiun. four \ame: ~__________, ,~ 'i'ransacrinn t)atr ~ Pnstiug Care; Amt+unt S:........_._....._.._..._...._.____._...,_........_._.. I'rispiurod Amount 5:.......__..__._-_. _. Q l .'I'.x arnwrnr nr dre drxlte w•a; irx ftnm 3. m 5 ur my sziec slit+wa+adinlinczxmdl:F.ud(>v~ua~K>[rFCkt~estlnsigi~ia'rsfxnts uwrxt.utxxnn. 0 2.: rrrtife [tat the cirarpt tisml aixrre was rxrr mule hyrax ex a prnxat aa'xxrral by tax wtNe rm~ card, nor rwxe dx• gxXls tx servrec rrlxeserarC art rte t.;vstrssrtet reoeiccd by mr -,, a lx+axr authnrvcd l+y nx. Q?.Ilraw: nutmriw.dt!(xnrxdwrxliv:tlratwa:+tot>r:ha~ucitnnrrcKr~_.,'__,_i ._.`~L~+il{)IkSI}. I tuIIea;ktd theraercii3nt tocmlit me>aaL~u. . © 4.1 was is xxtf a crcdit.ciip rtwt uu (xa:dK~tr un my srac(trxroc A agrg of rare craditstip n en.'k>sed. Tax mmhanr has cep a+ 3@ lot's at ctrclir n>+tr arxxwra- QS,Gfrrchatdisetharwas,' Kmehacanivedcfatnary~datai~ordekt~ve.Cmturneci!trot ----.._1__._.._ ~ . ; t?sq~t[7;11'1 a(xf asked the nxn3(ant ut cmdir my aaaxe¢ Atttdr a letter desltilxng txnv d>!: merti•,andaae was dn~ attdlor deftttvr an(I a.ropy of the tuuuf of n•twn. ~ t: Alnc~xtefi 1 did r in ~r abv+~ transaxion, I tore axtca'ud the rtrerchart, rmutracl the merchzrdiar cn (>tghffi)Ik1'Yj and (egtus-erf a credit. f rider did rxrr r(sxi~ this czixtu err a was unau;~.itxi•. Atta~i a Iat(v exttLtirtit~; why rcxs are this charge with a (xrD o* tar prati of morn. [l caw err urmhk: to teurnr [fie nxndwndis~ pkaxin. 0 -. C anrify that the dtaege in gcxsxum wars trarnseuaxt btx was pcensl twi;>~ w nrv sr.;taturrt t did neM anttuxize the s(crorxl transaction. Salt #] S ....._~.~ Ile4xt~wx+- +.~_._ 4sk it2 S ___. EL^fcmrk:e# _ _ _ _ P;'iYMtlitvT. ortc esoute reason. Accnunt Numfxr:. _._.__....---....____.., ~~_~ ...._ ~... _... Reference Num;v-r !atrrctrant'Jame: QFi.Crrxttxachctst~n:hanton-, t i4gbifpLNYlitnca(*xlrkp(raath(avalcrdr(• tt~wnancmi.Pfrasrtxxeu.(r~i.lmm~#a(xii~arulahL r(aicyraapytotgrauaxata..anda a,py of)rxrr~ En~dtcav(agdateurdnnrrof ^anrdhtu,n Eteas(rnra,aacdtatumi(arr(vllaticat#: Q 4. Akfuaudltldi(t+v~agrmthexlxn~trasa;acorns,lha+v:.me>Lmldre(r~~hvr;4x~-re(hr Tlrrsrrvice;toi>K pn+«tded tat _i..._.. , _ {,1q.VftiXNYS iwtre not raeitizd yr wm wxamfacmn. Atradt a kxter t4.•s(xtlun~ the aexcgss eapeat+~ymr nrtcttyas ro rrsr>ivr with the rtxrchatn anal a criry id your iafttrM7 [~ 10. i cnsrfy [fiat 1(bnca raogrsnt ux. tntnsa<ttutr.:tgcxciwna often prtrttdc trJenMxx mtmtxrs ta:kt m uxu ramton}<>ur la6ingaamntnr. Pkwreawzmpt romntattdre rn~hant fur iftttatrntiou ~~ 17, li yexv disp(at ie 6x a dffierrnt rcasrxti, ltiea;l aaaact r,s ar dY alxruc xkplxxx ntanbec 5i~na*.ure ,rectusrtxll; Date.: B~st arnrat tcknhcmr. #: titrmr#: Billing tirdtts are Doty preren-twf try writtrn frtauin. To ptrscrcm your bil-fng rights,. phase nntrn a copy of t is hum :and arty supppornnrt~~ fufurmatitxt rcegardinq chc mertfiant charge (tt gtrrstxrn to: 4tm: Bitting tm}(tirics,l',O. Box J5t3~t+, WtLnitrgrott, t)E q 850-5t)2(, i;SA. 1'lEASt: tCfF,PTII[ t)RIGtNAC I•t1R YCtElii RCCY)ttCK:1Nf) SENt> A C.;OPY Ot Tf t1S STATE\tF~'T. Paynl~lrts We credit pa~•mcrtts as of rite date received, if six payment is J) recefvcd by S p.m. {t:astern'Crntel, ~) received at the address slurwtt in the lxxttm loft-band carver aE the frzrnr of this staumzrnr, 3j paid with a t:i><xk dream in tt.S. dollars tan a I1.S. finandal insYituti(m or a II.S. dollar money order, and 4} sent in the etti;:-crsed return erwelope with only the btxn,rn pnrtiort of this sramtttent a(:runtpany~g at. Payntaus t~xiF•cd after 5 p.m. an any day tnrhxling the Payment Uete Datr, but that atherw ire ttteet the a txrv,e requirnrxrus, will hr crt+(iineci as of the next der. We wilt reject payments [fiat are ncx drawn in [JS. ekrtlars and those drnwm na a Srbzncial institution krcatrd outstde of the United States. Credit leer any other paymczats ntav bra deJagrd up to five days. t.~o paytuent shall operate. as an ward artd satia~factton w itbottt the prior written appnrval of one of Crux Settinr Officers. '9Ce r. racers mast paytrtent checks ele(xrt.rnicaily by using the infirrnraticm f(runcJ on your check. F 1ch check atuharizes us ter create acne-time etturrntic funds transfer {nr process it as a rhet.:k cx paper draft;[. Funds ntay be wirhdrawzr frcan your atxtxent as satn as the carne day wr receive your payatatt Checks are tux returned ro yiw. For rmrre inftrrnratinn or to mrp the dectronir funds transfers, call us at the number listecJ oo the front. !f vau have autharizrd us m }uty your cxetlit card bill autornaticatly frt»n yrrur czvitt~ or checking arcaunc with us, you can stop [fie paynrrent cut any anmmtr you drink is ciz[rng. 'Iir stop the paymt~ttt ytnrr letter must reach us at least three business clays hrbxe the arrtomatic payment l.4 schtxitrlyd t(+ (%Ct.Ir. If vent [tilling address ar utrntact inktrmaticm has changed, or if your address is irtcmruct ~ it appears on this liifl, please provide all corrcxxitrns hem. Address 1 _ Address 2 _ C'fty _ $eate _ Ama (;cede tk I is+me Phoru :lust C_`ucie & tGork t'honr Z..ip ~~ Preyxtred rar. RALPH M RETTBERG September 2007 Statement Crrdit Une.• 58,000.00 4888 8360 9056 8858 CasJf or CreditAvuilab/e• 50.00 flnarx:e to Cash Advances A. Balance Transfers, Checks 0.068328% DLY ' 32.24% $3,485.00 B. ATM, Bank 0.088328% DLY ' 32.24% $0.00 C Pwchaees 0.08832896 DI.Y' 32.24% $5579.97 Annual Percaentage Rate for this BiNing Period: 3'1.2496 flncludes Periodic Rate Franca Charges and Transaction Fee Finance Charges.} Periodic Rate May Yary IN ACCORDANCE WITH YOUR CARDHOLDER AGREEMENT, DEFAULT RATE PRICING HAS BEEN PLACED ON YOUR ACCOUNT. YOUR ACCOUNT WILL NO LONGER BE SUBJECT TO THIS DEFAULT RATE AFTER YOU MAKE THE M INIMUM PAYMENT DUE ON-TIME FOR SIX CONSECUTIVE MONTHS WITHOUT GOING OVERLIMIT. YOU ARE A VALUED CUSTOMER. WE WANT TO MAKE SURE YOU ARE AWARE THAT W E HAVE NOT RECEIVED YOUR PAYMENT. PLEASE SEND THE AMOUNT DUE TODAY. IF IT HAS BEEN MAILED,1'HANKYOU. BANK OF AMERICA WILL SPONSOR THE WAA, A KEN BURNS FILM AIRING 9/23 ON PBS. VISIT BANI<OFAMERICA.COMNVW2 FaR 20% OFF THE DVD, CD OR BOOK WITH CODE BOA201 Prepared tor. RALPH M RETTBERG 4888 9380 9056 8858 March 2008 Statement Credrt Una.- 58,000.00 Cash ar CredttAvailable: Summer of Transactions Billing Cycle and Paym ent Information Previous Balance 11.110.22 Days in Billing Cycle 30 Payments and Credits - 50.00 Closing Date 03/06/08 Cash Advances + Purchases and Adjustments + 50.00 $39.00 Payment Due Date 03131!08 Periodic Rate Finance Charges + 5291.38 Current Payment Due 5441.00 Transaction Fee Finance Chases + 30.00 Paat Due Amount + 52,534.00 Total M~imum New Balance Total 511,440.80 Payment ~e o. ~~ Cali Eoll-free 1-BOD-789-6885 TDDhaaring-impaired 1-80D-348-3178 MaiJPam~ents to: BANK OF AMERICA P.O. BOX 15728 WILMINGTON, UE 19886-5726 Mail Bilkng /naurries to: SANK ~F AMERICA P.O. BOX t5D26 WILMINGTON, DE 19850-5026 Posting Trarteaction Referonce Account Purchassa and Adpr,stmsnts Data Date Number Number Category~_._ Amount LATE FEE FOR PAYMENT DUE 03101 03J01 03101 1110 C 39.00 .. Corre~wnoyng Annua! Balance Su~ect to Category f~tiodic Rafe Asrcentage Rate Finance Charge Cash Advances A. Balance Transfers, Checks 0.086273% DLY ` 31.49% 33,995.30 B. ATM, Bank 0.086273% DLY " 31.49% 50.E C Purchases 0.086273% DLY ` 31.49% 57,262.85 Mnuai Percentage Rate for this Baling Period: 31.49% 1lncludes Periodic Rode Finance Charges and Transaction Fee Finance Ctts.} ' Periodic Rate May Vary H OUR RECORDS SHOW YOUR ACCOUNT IS PAST DUE YOUR BALANCE IXCEEDS APPROVED CREDIT LIMITS O6 0114406000297500000100000004888936090566856 Check here far a cMrge of mattnp address or phone numDegs). BANK O F AMERICA Please provide a1 corractiom on the rowrae stla P.O. BOX 15726 ~~~~ WiLMIPJGTON, DE 15886-5725 I.+.111.1..1..1.1..!..11...1.1.1...1..1.1.11..1..1.1 AccauNTnwMeEfr a6ae s3so 9oss sass NEVY&ALANCE TOTAL: 511,440.60 PAYMENT DUEOATE.• 03'31108 RALPH M RETTBERG ~ ~~~~ a ~~ ~~ ~ ~""~rsQe°~te~`~ 95 REGENCY WOODS N CARLISLE PA 17015-5065-598 Marl the payment coUpr~n along ~ a check or money orui9rpayable to: BANK OF AMERICA ~: 5 240 2 2 2 50t: L 28 ?6090 5668 561N ro tii m IAIPOR7IWT NIirFORMATJON AiOiR TMS ACCOiM/T ORACE PERIOD Grace Pnxic)d" means the text t)f ti.me duritur, a billing Cycle whrn yvu will txx au:rue Ye;ritxlte Rate f inan<~r (:: )argrs rm 4ertain trensatctions r)r lraiane es. There is nt) (;rare Period k)r Carernry A to B Cash ldvanccs. ]f y<)u [rav in htli this statrnx~+u's h'ecs- Balance'1ixa1 by its I'ayn)cttt ] )tu l)atr and it you paid in ftt~l this statcrrtenr'SI'rrvious Balance in this statement's bilGttg cycle, then you will have a Grace 1'erir)ct Burin}: tl)e bitluig y'cle That tx~.,*an d)C daV afit't th4ti Stat£tttent'S t.li);+1n~' Date c)n the. t:atc~,crty C <)r T) pnrtit>ns of this ststcmrttt's New' 13alancr'Trxal. During a 1)'n promotitn)al Al'R prritxl: I I nu periaxli< Rate Finar.:e Charges accrue on balantx: eate[!tmes with the U`%~ prcrmvticxtat APCt: and 2? you must pay the "I't,tal l~1inimum Paytnem Dtx: by in Payment Due Dam tan<1 avoid any cxftrr "prtnrrxion tom-nff event" as defined in tour (°rcdit Card Agserment) ro mainoain the t)"~ promotiuttal APR. "' It a eorrespemding ,'lnnual Pett-enragr Rate in the Finance C.3mrge Schedule em tht: Elliot of this statement t'cmtan)s a "*"" symtx,l, then with ttspcu m nc~+sa balance uatrguriec: i) the l)`'/o rxnoticxtal APR tr)r each of dte iralance categories wiU expire as <)f the end of the next billing c}x:lt~, and 2 r yew must pay thn statement's New Balance 7ixat by its payment Due Dare. fir avoid Periodic Rate Finance C~targcs after nc~ end of the 0`:a pr<xax)tiunat APR pt rtcxl on those Ixrlanccx rki5ttgt as of the Closing Date of rl>!s stateutenc. CAI.CULATFON OF aALANt~ StlO.RCT TO FNiANCE CMAR6E Galegtnics A and B -Average Balance ~icthcxi f inclutling nt w Caslt Adt:tttccsl: We calculate separate Balances Subject m f~inattce t:ltarge k)r Categury,A 1)alancrs and (ategcm B taianees. tK~ do this by: f 9) calculating a daily balance for rx:h dap in this statentetu's i?ilting cycle; ('~) calntlating a daily balance fur each day prior m this statrauent's billing cycle that had a "Per-Cvrk Cash Advatuv:" lrtlarxe, which is a Cash Advance Witt: a transaction date prior tc) rh» statement's billing eyele btu with a lxt,ting date within this statement's hitting cycle; f 3) adding all the daih• bat<ancrs u)gt~rher; and (41 dividin ~~ the sum of the daily tat:tnces by the number uF days in this statement's billing cycle. "ii) rilcu{atr the daily tralancc fen each day in thus statrmettt's billing cycle, w•e cake the txginning balance, add an amexmr rqua{ m the applcable C)nily Pt:rit)dic Ratr autltiplic'tl by the peso texts dsy c daily hatat)<x, add ne:w Crash Advatxes and'I'rar)siction E'ees, and subtract applicable payments and ardits. If any daily balattcY is les` than •rrro we treat it as taro. To utkulatr a daffy balance for Bch day pricx ra this statement's hitting cycle that t)ad a Pre-Cycle Cash Advatxx bal:u)ee;, wr take the. beginnitg talatxe attributable sti)lety fir tyre-Cycle trash Advances (which will I?e rxto un the transaction date of d)e first Pre-l:,qtr Cash Advarn:e), add an amount equal to the applicable-Daily Pcriexlic kale multiplied b}° the previous d;ty's daily balance, and add onhr the applicable Pre-Cycle C::tsh Adeaar;rs, and Blair rc9atrd'Ctartsactitxr Fees. U(je exc3uck from Bus calcutatlon all transasij+ms pr> test in previous ltilting cycles. tit ~ t t~ev. 09/06 Catee~goricK C a,td d -Average })ally Balatu:e 149ethod f incltrclirtg urw reansactitrtts): Vt+r cakailatr seQarate Balattcrs Subjcxx t[> Furactcr Charge h)r Category C balanct~ and t atrgi)ry I) balartcts.lti'e do this b}^. U t wkularingg a daily balance k)r each day in the bitting cyck~; f21 adding all chr. daily balances n: tether; and f3) dividing the sum of the daily halanu s by the numi)er of days in rhe~llittg cycle. 'lo calculate the daily Iralatxr fur each day iu this statevtiettt's billi»~; sole, we take the bcy,umirtg ba~tntr, add an anxwnr ryuat to tl)c applicable Daily 1'crirxiic Rate muhxCslicd iw the pees=xxu day's daily tx;lancrnro, adcl new transactx)ns, tre~v Accrntnt Fees, and Clew Transaction Fet•s, and sulxracr appiirnble paytrrents and t mfixs. If any daily balance rc less than tent) we treat it as zrm, if the l'miats Balaacr: shown c)n this statement was paid itt fttft nt this suztertxxtc's' bilGnq cyc9c:, dta) a) the clay after that payn)rrtt in full date, wr excluck Trott) the beginning balance new trtnsot-rams, tuwr Accnttnr Frew, and s)ew Tt~arrsvc lion Fees wfii<h ptxteci an ur brfcxr tha- paytttetu in full date, and we do not arld +x'w trarasactiu+n, rtety AtxYxmt F[xr•, or rtew Transaction Fees which ptxt aftcv chat paymetu itr fltil date. We rnclude the costs for the. (;:redo f'rcttrcrinn plan or for credit insurance purchased tttrcwy~,~it us in cakulatittK dte beginning balatACe kx the first day uF the Uitlittg cycle after the billing c}~le in which such assts are tilled. TOTAL P@BOWC RATE FINANCE CNAROE CO~ItTATiON Periodi:; Rate Pittance Charges carne atul an t:u)tt}xxuxlyd ors a daily basis. Ti> drtrrnainr the: Pexicxtic Rate Firuttxe t:hargr frx ead) wteCSury, we uutltip~y the Bal:u)cx Subjt~t to Finance Charge by its applicable Daily Periodic Rate and that result. ty the number of days in Cllr. billing cycle. Ta determine the coral Peritxlic kale Finanu C;hargr for the billilt~ i-seta, we add the f'exit)dic Rate Finance Cxtatgtes for each cateAun tc~ethen: Each l'.7aily Prritxlic Rate i takulated b• diticling its txxrc~sponding Artnttal Perc:c~tttagr Rare Inc .365. NOW W! ALLOCATE YOUR ltAYNEE~ We will alt[xate y<xar paymrnts in die manner we detern)inr.. In mr>5r ittaattc°c.:, we will allrxate: your payments to bal~nce+; (including tra.nsacriex).s made: after this 5taten)et)t) wnlh ~ott•er APRs before halat)ces with higl)t~r APRs. °this will result in balances with lawex APRs tsuch as new f)alanets with pn)tncxional APk offrrsi bentg paid before any olltrr existit~t balanc~rs. PayreNrrt Dw Orttttt+ss arM Keripirg llbur Aocournt M Qood lfanrikp Your Payment I)ue [)ate will tux fall cxt the santc day each nxnuh. In order m help rnainrain any prcxncrtional ratiw, to avoid the impasiticrn of Default Rags fif applcable), rn avoid late fees, and a) avoid osc~rlimit fees, we must receive at least the Ti)tal lvtinimum Pay7nrnt l:hte tv its 1'avment t)ue Clare each hitting c-}eie and you must rnaintaitt your aaotutt balance below yc)ur C:rtttit L,unit eadt day. Poe the:xtmplcrc mrms and conditir)ns of yotar acYrnant, mnsult mnr Accrntnt Agrrrrnrnt, FtA C;trd Services is a tradrname of FIA Card 5erviax, Iv. A. ?`hia an~uuttt is rssueri arxl admhtisterecl by F1A Card Services, ti.t1. C/JSTOAEiR StA1 ANT Off OIFSPf/~ I1 ~M - Please tall toll free t -866-266-0272 Mo-rdsy-73iursday 8cmr-9~mr (I;auern Time) artd Fric7uy lPam-7prn I (F.astrrn Time}. four nrprrrpt scm.•i<x jrlewr 1,,n~ the+rtrrefiunt refererxce nrrtrabcr(s} avrtilufile for the r:Fiarge>(s,'• in zTucstion. Or T}115 tt)R~i A'~D !)t) four Name: _,.,,......._,_ 'transaction i>are:~ Pi)stiny, f)atr: Amour;[ S:._.......-._....- _.__._..._._...._. -.._......__..... LlisputcJ .\mount S:.,.__._.---._-..._........._...._. _. ~) l.'1?te amamt cx ~e dtat~ x^t, ttx-teased tmm 3. ,, m 5 ._ or my sates site was addrl trxxxz~'dy: F.nderxci is ~ a>fiy elf tfii: sales sfi~i t~tat slx>,s~x uxrtxa anxxnn. Q 2. ; ceatih Chas the ri~x lisral anr+r was nut tnaclr by mt ter a pm~cm alx`xmucl by Cur wusr mt~ cant, ncK w9re dx gcxxls a +trv+ces tetxex.:tttrx Ile die tz:tncxriract rctrsed by tm rx a lrrstxt at+tltcviaed l+)' ore. Q?.lttaw:txamttivalthentadta=tdisuticnwa+totres}at>Nerisnmea;__.%_- ~._.;~LLUt1I~'S'Y}. i hareasked the rneYCitant fir cmlit my acexatat. Q ~. l was isutd a cxx5t slip that tvac nrx six+wrt at my sa;tnxrn. A cr,p!' of my Creed's s{ip is e~xkksed. Tim mac#anr Itas ~ m 3o clan nx-rrtlir yrntr atxtwrtt QS.A4erchandisrdurwaastti~dn;tm4asarrieredda andtorckkt+ive.ltxutrrteri!trnt . i_. i3fkllD[Nl'Y),nxiask~dtenxtihantu)cmdirmv~rxe±teArntdtatetmc'~uaibittg tienvthr nieii~aixliiewasdaroaipd attti%ordtttttn~e anal a arpy?>£the pnxrfofrmtm, ~...~ tr :~lthot>efi (did ettpge iu ~x abrnc inttsa<tkut,l have axtetcttr{ the merchant, retutn.~d the menchandta chn _ f MhUDilt~'S') attd trsluzsteti a cttxlit. f cider slid nor rexit~ dais e'ruiu' ex it was uniatim•. Atta3i a ett~r rr[3xitte>L ~vhp yrKt a:r di~wti this chat: with a cttp} a* tk Ixtix f of rerun. [I vtru ate tztrahk to return the nxrdtsmdisr, pkne tx~tia. O ".1 cettity dux the eirarge in tltxstitm wa,.t wee tram°tak)tt, but act, pcntrxi. tai;r w my srueanerr ! stilt ncR ~adxxize the stwttei trattsaevnr.. Sai~' #] $ .....-_~,___._ Re6eretxx tf ~---- ~tllC lti ~ H.`fEYt7iCP-~[ ~Ve credit pa}roterts as of. the date rrcc:ived, if the paymrnt is 1) rrxeivtd by 5 m. f 1=astem't'ime), 2) m eivrd at the address stutwn n) the hottcxtt left-hantJ cornet of xltz frcmt of this statcnttt~nt, 3) paid tvitft a chaxk drawn in il.S. ck~lars oft a t?.S. tittattcial irtstituticm err a U.S. dnllar money +xdey and 4) sent in the en:lc)sed return errvelope with c)nly the txxttxn portion of this srarernent ak:cunpanywg at. Paynxxus resr1vYd :tfa:r 5 p.m. ore any clay mchxiing the payment Utte Dane, Litt that otherwise meet the above rryutrn»etats, w~l br credited as c)f the nevtr day. R%e u ill trojrct pa}trtenrs that are ncx drawn in t T,S, dollars and thc)se drawn ai n financial itasritution krcatrti ornstdr of the t tait+ed fitatts, Cxctlit for any other payntena may be delayed cep to five days. `gin paymtxtt shall nppccrare-as an arut)rd at)d satisfaction widrout the pricx written) appms=a! of one of our Srttior t)ffu-ers. 'R'r process mast payrnettc checks c~leca't.)nically by using the inknn)aticm kmnd an yrxtr check. k tch check atuhorizes us m create a onetime eleccrunis: funds transfer jot process it as a check cx paper draft}, funds may to withdrawn fran your account as soon as tl)e scene day we rsxetve yc)ur payment. t;hrcks are nos returned m yew. For rrx)re information or to sa*r the elcctrtrrtic funds transkers, call u5 at the nttmher listed on the front. if vua have authorix[:d us m pay your credit wed bill automatically from ycxtr SavittKs or chrckittg at:c cunt with us, you can stop the pavrnent tx) any amount you think is wztxtg. 'lie stop the pa}mte:`trt your letter must reach us at least thrte business days before rhr automatic payment is st hedttlyd to cxctAr. OR\3 W'ITfi YOUR P;gYMIiNT. C;ltouse Doty one cispnte reason. crnunt~iumfrrr..._._._._.__._._____.., ______W_.___.~_ Reference Numtxm .... ._... !4lerchau'Jante:.-.... _...___....._._. _.... _...~......__._._._._.....__._....____....____. _......__..._.._..._.....___._... © A. l natiheci dtc ttretrhancext .. _ i i lvL\iNCNYS`i to catUtl die pmaudxxoal otdn~ ' __ _. _. ftrgenancatl.l'9caserxxe~txx~tiicm9aruitFarulThlt ra>lJetiraagnotyewr.xxtaa<.atuia arpt of wwt :ekpMate bdi tdtcasat+g date alai ntrte of ~rtr~etxt.Reaeut ear tatw.elfatwrti tatl.~tlLvion 4 Q 4, Ahixxtlt 1 di;l rtw,agc m the aixxxtransacacxt,l hates t:tnwatxl die trxrcharr, ix credit. The sercys to lx: pnwtekv tat ~,( ~ l i4LNri1t)fY'Y)wctitnot toexived ur w•ac wtsatnYacoory: AtGtdt a ksttr e#cytritang the stxs~,rs xaTecrc ~yrNtr:ttmn~ m rrsrti.c with die nxrettatn arttl a ari)y of rcxtr untratt. [~ ID.1 ~ex:xfy chat I duncx tYe:ogttrrc the. trarsaxaat.:1lnc~ltand often prtrridr}txtr rxxltlxrs next to ta'xir ramaxt}roar h+I6tgsramnntt. Pk'aseat:cnryx araxttaadte mert:hart ttxinftxtnation. Q .1?. ti scxx disptar is fix a diffcrrttt rcastrt>, pkast~ umut t its ar fire afxrvc trlcph«tr ntm>lrc 5ibnaturr f requitrci); i)nre: &sr t:onrert tcknc~rne #: Ht)rrx~i#: Billing ' is arc ooh prtservrd by uzittrn itx)u'vg. Tu pnacrve yroar billing rights,. phase rentn a copy of cTtis ttum :utd as}~ suppornn~ taformatintt reAardinq ilk merchant chatgc to question to: Attn: Itilliag Ct)gearies, EO. Fbx 1~t)Zti, Wdtni+tgtaty DE 191t5th5026. i.'SA. 1'IEASf: CCiiEPTIiEOR1CftiAl.FOR YOttR RFCORC)5AND SENb A C:OpY C7t 71IFa STATG~fF1+1'T. ff vane hillirtg address tx exxttact information has sdtanged, or if your aefdress is incorrexx as it appears ors this bill, please ptnvicle all rnrrexxions hen. Address r _ Address 2 _ City State Ales Code fir. I is+mr Phtute Area Code & \Gork Phc)nr Zi}; b N N Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY F11'.-ED-Or E! , THE PRO ONE ? Midland Funding LLC vs. Ralph Rettberg 2010DEC 29 AMID- r,UMBERLk14G COU 1 i ',' RENNS` LYANIA Case Number 2010-7321 SHERIFF'S RETURN OF SERVICE 12/27/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that on December 27, 2010 at 1035 hours, he was unable to serve a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Ralph Rettberg. After several attempts the Complaint and Notice has expired. SHERIFF COST: $49.60 SO ANSWERS, 4-? December 27, 2010 RONgY R ANDERSON, SHERIFF MIDLAND FUNDING LLC 8875 Aero Dr, Suite 200 In the Court of Common Pleas of San Diego,CA 92123 Cumberland County,Pennsylvania Plaintiff Civil Division VS.. RALPH RETTBERG NO: 10-7321 99 REGENCY WOODS N CARLISLE PA 17015-9065 Defendant Praecipe to Reinstate Civil Complaint To the Prothonotary of Cumberland County Pennsylvania: Please enter the above Praecipe to Reinstate the Civil Complaint. Thank you, MOR M � _zr icha F. Ratch r , Esquire s F5 Edwin A. Abrah sen&Associates,P.C. Lawyer ID # 86 85 , O X17 C1-41-12 33 c 7 SHERIFF'S OFFICE OF CUMBERLAND COUNTY' Ronny RAnderson ; _OFFIC `' � L Sheriff !� H pR T}`jQWFARY Jody S Smith r 26 y Chief Deputy x NJ °2; I j Richard w Stewart CUMBERLAN Solicitor 0FRCE OF TH CQ�1N Y SPERIF9 PF ¢ S YLD CG() -,r Midland Funding LLC Case Number vs. Ralph Rettberg 2010-7321 SHERIFF'S RETURN OF SERVICE 06/19/2013 Ronny R Anderson, Sheriff, being duly sworn according to law„states he made diligent search and inquiry for the within named Defendant to wit: Ralph Rettberg, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Complaint& Notice as"Not Served"at 940 Walnut Bottom Rd, Carlisle, PA 17015. *Deputies were advised by an acquiantance of the defendant's that the defendant has stage 4 cancer is now residing at the above address which is Manor Care Nursing Home, while deputies attempted to serve the defendant they were informed by the Head R.N. at Manor Care that the defendant was not competent to accept service and they would not witness service and pass on to defendant's POA.This office was advised by the same acquiantance that the defendant's sister is attempting to obtain POA. The defendant's sisters name is Rose Warren and her contact number is 610-287-8034.* SHERIFF COST: $41.56 SO ANSWERS, June 19, 2013 RONW R ANDERSON, SHERIFF (c)CountySuito Sheriff,Teleosott.InC. n MIDLAND FUNDING LLC In the Court of Common Pleas of Plaintiff CUMBERLAND County,Pennsylvania Civil Division VS. NO: 10-7321 RALPH RETTBERG Praecipe to Withdraw Civil Complaint Defendant f4. PRAECIPE TO WITHDRAW Y` To the Prothonotary of CUMBERLAND County Pennsylvania: Please enter the above Praecipe to Withdraw the Civil Complaint. Thank you, Michael F. R chford, quire Edwin A.e rahamsen&Associates, Y.C. Lawyer # 86285 120 N. eyser Avenue Scranton, PA 18504