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Home My WebLink About01-2293VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 East State Street P.O. Box 1779 Doylestow~, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK Plaintiff VS. KEVIN M YARNEVICH Defendant NOTICE NO. You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by an attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for other claims 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. ~ERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 (717)249-3166 (800) 990-9108 THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. i! PROVIDIAN Financial EXHiB!T Pmvidian National Bank VISA~ or MasterCard~ Account Ag[.eemen.t for Kevin M Yamevich i,~ovemoer 30, 2000 Please review this document and k .e~.. it with your other important parers, This Account Agreement contains the terms which qovem your Pmvidian N.a. tion,,a.I B,ank V SA or, Maste,rCard Account {the."Accoun. t") The Accouq! a ows. you. to m~ake pu, mh.as.e.s, by us, i.ng yo.ur.VISA, qr~,a, ste. rCa,rd card..(the Card ) wherever it s nonorea and to get casn aavances rmm us or any ornerpar[icipeting financial institution ada rm.m. Automateo lel~er Mecnmes. ~;onvenience checks,may a!so be p. rov fed [o you as an add ti.onal way.to use ~e A.c, coun.t. In this Agree.m. ent, 'you and yo.u~ mean e,a.c,,n, pe .mo.n for whom w.e have, opanea a crsait card Account. "We," "our," "ou~," and "us".mean ~'mviaian National t~anK or ira assignees, as asr. aa on your mnng statemept. The Account may be ,used only for parson,al, fam~lyt,hou, seholo, a.nd ,c. hantabJe purposes, an.d, not for any business or commemal purpose. Anyuse of th~s Account shall constitute acceptance of the terms ortnis Agreement. YOU aha we agree as TOnowS: Payr~e., nts..Y%u WiJ[ receive a, monthly stater0, en.t showing.your outstanding balance. Payn)ent on this Aco. ognt is..mqui,red in U.S..dgllam. (chpcks mu,st be payable at a u.~. omce of the Dank the check ~s oraw~on).ror at least the payment (:Jue as mown on your statement Dy tne payment aue`.aate in accoraance Wire. ppyme,nt i ,nstructions o.n your monthly, s.tatame.n,t. The. back of yo.ur statamen, ts snows the rule.s we follow, when we ,po, st paymaqts. %onveni0.nce checks aha omar cnecKS we issue to You may not oe osea to make payments on your Account or to maKe payments on any orner account you nave w~m us or our ,affili,at~s.. .'[. he pay[n, e. nt due will ~: 2% of the,..n.e.w ba, lance sl%wn on your ~t,atem0.,nt pi,us ~e a.m, ou~.df ,any. past due pay .most, and, m, ay i ,,nclud~.~e. amg.un.t Dy wn~cn me new no,anco exceeas your crea~t ~lne. However, me payment aue wm not De less tnan ~1o [,unlsss your new Da~ance ~s less man ~1~, m wnmn case the, ,payment ,d, ue ,w..i be .the. amo.unt of th,e. new balance). If your .A. cco.u, nt is past .du,e or.abg.,y,e m.e c.r~,it line .we, may requ. ire a. higher.m..ini,,n?u.m pay~n,, ant, out we w not ~y you pe~ore ~o ng so T your payment is more tnan tne payment aue. it Will De treatea as a s~0g~e ,payment aha none or it Wi De applied t~ futu.,re payments ~l. ue.We may. ac,c,~ot.lam or pa.Eial payments, or payments marked "paid in full" or marked Wi~ omar restrictions, without losing our dght to coneor all amounts oWing unoer mis Agreement. Fi. nee.,c~. ~ha, rg,ee,.. Except. as de,c, .n,'b9d,in the Gm, ce P..edod fo.r.,P,urqh, as, e Bal,ance ,sectiRn of this Agreement,..fin.a, nce ,charges. ,begi,n to, a.,ccrg, e o,n .a debit when it is incluaea In one or your OalI~/calances ano con[mnue uml m~.t ealanca is reaucea oy a payment or creolt. Your Account nas me iouowthg nalances: The Pumhase Batance, which consists of your existing Purchase ualance and new ~3urcnasee you make with your Card and fees for certain optional .se.rv~cec; .o. ne` or' mom uustom Cash Advance Balances, whj, c .h consis.ts. 9f bala.nqes t, ha,t. yo.u transf,er to~ your Acco.unt u. sing, balanc,e tmnsf.0r checks ~nd balances mat we [rans~or tor you; ano me c;asn Aovance ~alance Wr~lcn conslsrs or all og3er cash acNances ano cash acNance transecnon tees. Any p_,aymen, t amount ,w.e.,~,mceive that ex`coeds the l'lnance cnarge.s, an.,d fees the.n, .d. ue Will. 9rdina. rilT~t:~ ap~.,li..ed .fi~t. to tho Balance .wi. ih the lowest Annual ~emen[age..pata [Aff~..I, until that Balance is zero, and then to me ua[ance Wim me next rawest A~'~<, uhtil mat ualance is zero, aha men to any remain ng tsalance, we reserve me right to apply payments differently without further notice. ~he .Pumhase, Cu.stom ,Cash Adv~ancp., and~C,ash Advan,c.e` Balances are fanuc.ed by pa..yme`nts as of the d~te. received, aL~d b.y cr_edits, a.s 9f the da~te` posted umnases are inc~udeo in your ffumnase ua~ance as or me date maee. ~,ustom cash aovances are inc~ueao in your uustom casn ,~ovance uaance as follows: funds electronically transmitted to other lenders to transfer balances, as of the date transmitted; checks to transfer balances, as of the date I~re,.s. ente`d .t~.u,s.. Other ~li a .dv.ancea ,are inc!uda~, in your, Ca.sh Adv.ance B,a(an.ce as folio .ws: c0s.h .a~Jva,nces fro.m, o,th~ fin.ancial insti[.utio, n.s and through Automat~lesers, as or me oata mace; cam aovance cnesKS maae payaole to you mat are menanea as casnlers checks ana ma~lea to you a[ your ~mqqsst, _as qf s. wen days a,,ffer.th,a .date w,a,p.rint on the c.h. eck; ,all othe. r c. he~ks, as o!the date pres. .ent, e.d to us.~O~er deb_its ,are in..clu ,de.d in your Pure. ~ase`, ~u. stom casn Aovance,or uasn A~ance ua~ance as of tr~ oate postea. Finance cnarg,e,s are aooe3 to your wumnase, uustom c;asn Aovance, ana k;asn Aovance Balances eaon day and are then posted on the last day of the billing cycle.lhera is no grace period for custom cash advances or other cash advances. ofigure the`. da, ilyfinaqce charg.e fo[ each .type,.of .B_alance~ w.e sLart.with l'~ur previous day'.s ,Ba~.nce, add all,debits, and sub.tract aJl.,c .mdits for the cu .rr.ent, y an.a multiply me net amou~nt ny me ,ap.p cao e (]ally .j~.nocI c rate {see ~Ollow ng parag[a, pnsl lne rmance cna~rge ror each type or ua anco s then aoeao a.n.o incl.ugeo.in ~,at ~y's~a ance~ we treat a crddit ba!a_nc.e for .any day a.s ze.m.., v.v.e d,e.t, on'n ne,the, total.t n,a.n, ce .charges 9n balances f. or the b Ing .cycm oy eading tqgatner me rmance cnarpes ~or eech type ot ua~anse rot each oay Wimin me oi,ing cycle. ~n calculating nnance cnarg.es,, an j~dj. ostment Wi~ oe ..maqe. for.g.ny tr~a.n~ction, or. paym,ant t~at would hay.e` ,afl .est, ed the flna,n, ce.cbarge ca cu at~qrl.jn a priqr b !,ns cycle n..ad t .bedn p,p, st~o n .re. at c.y9 e The .applicable noisy periooic rate tot suon a transaction Win ee me rate in effect ror me current Dmthg cyme ratner than ma rate in enact on me date of tne t~ansection. hoeyUr 0ta..tem. 0..n.t inclu .des aq .a. veraga .~. ily .bal,anqe. fgr ea.c.h .type of E}.a. lanca,, Y9u can.m.u!tiply e{3.ch ,ave.raga daily bala.nc~ .ti3at is not. zero by the. ri, umber,of .S..n, me Oil!lng `cycle ana me peeodic rate to cot,aln suotota..is, ana men am me subtotals togerner to eatermineyour tota nnance cnarges on Da ant'es for mung cycle. If a cash advance transaction fee ts charged, mat amount is also a finance charge. The term 'Pri .m.e Rate" as used in tt'!e Agreeme .n.t me. anst .he,,highe.st prime rate pub sh~ in. the .W. alI, St.ree. t Jou, mal o.n ~ first ,bus n,ees day of the pre~ous. ce~enear monm. Any increase or eecrease n me Anoua wercensaga Pate will take effect on me l~rsI eay or your Pilling cycle ana may result in a s~ight increase or decrease in the amount of your minimum payment. Tbahe` ANN. UAL PERCENTAG..E R~,TE (APR) f(:T.Dldm, hases ,may van/and will be.ad, j~,t ,s~l~ ~,`ch billing cycle to 7.65% above P..drce Pate, b..ut Will in. no oven[ ~ess than 15.9%. Using mis tormula, the Am~t~ ror pumnases in the Novemoer zuuu billing cycle ~s 17.15%, corresponaing to a eai~y perioaic rate ot 0.04699%. Yoq can a .r~. nge.tq ,have a variable` APR for c, usto .m,cash a. dvancas, .that is. Iow. et than. the.w,.eight.ed average of the non- ntroductoP/APR, you have been p.ay~ng ,on ~,e~jor,al eaan. ces you n{~¥,q, transrerre`o, rmm omer cre~t ca[g, rata, ana nsta men[ accounts pmviceo your other accoqpts were op~.n n .~j~v,,e.nToer g~,u. in. cR culating .tt!,is a,~, we.w II, taKe into account the AP~<s on the .c, mdt account ba ,ancee you have. transferred from omar ~en~rs. This .AP~ IS -av.a,ao e on. y I! you pr0vice proof, n me ~orm or copies or J/our most recant billing statements, snowing your omar non-introductom~ APRs. Your new AP'h~ will Da variable, oaseo on Prime Pate and Will take effect in the billi,ng cycle following our rewew of your orcof, but noteariier th~n the end of your ceu.rtecypariod. Ifwedonqt .m.c..pive .s. uc.hRroofl,,ou..r. ApRfpr.cu~stg~,ca,shad,;,~ancesya.'ll .b.~ .as follows: T[ge ANNUA,.LPERCENTAGERATE forc.uslom c-a-`sn.aavan~cesmay~va~an~Wil~adj~uste~eacn~D~in~g~-cyctet~a*~ve?dmePata~outw nnoeventbe essman 1405% Using th s formu a, the ~mu, m ror custom casn aovances in mo November zu00 Oaling cycle is 1o.uo%, corresponding to a daily padodic rate of 0.04123%. The ANNUAL PERCENTAGE RATE for cash advances is 21.9%, corresponding to a daily periodic rate of 0.06000%. If we receive. ~(o. ur~ccount payme, nt late 2 or more times in any 6-month period, on each such occurrence we may increase the APR for pumhases up to a maximum or 23.9u% (corresponding to a daily p~iodic rate 5f 0.06546%). and increase the APR for cash adVances and custom casn advances up to ma.vJ.m .u.m.,of 2;~.90% ( .cq. rr~. SL:)onding tq-a da~ily pedod ,c. rate of .0..06548%). If afl.er you reL:e v.e the higher rat.aa yqur pa~vme.nts.ara received on time and you meet.all om,ar, terms o!.~is .Ag_mem,ent.tor d consecutive monms, you may contact our uustomer ~ervice cepartment ana, at your request, we Will review your Acooun[ ~or a possible AHR reouctJon. fGur..ace p,en~od for. Purc.heee. Bal,,nco. ~e~v pumh~ases pos. ted to your Account in billing .cy. qles With .no I:,hrevioos balance~ or when the prev ous ba anco was Ily paso ounng me cycle, oo not cegin to incur a nnance charge until the start of the next oilling cycle. You Will pay no r~nance charge on such new (Continued on reverse) (5846-0698) 4428000975026382 0184 561 pu. mhases if you pay the tota new ba anco n. fu by t, he peyrnont due ,date sho. w,n op your statement.. New p,umhases posted in any other billing cycle incur a t~nance charge, and there is no pedoa in which sucn pumnases may De repaia Wimout incurring a ~nanca cnarge. Fees..We ,may chan3e your A.coount $0 for ~ch ,Card yo~ ask us, t,o. Lgplace;' eaq.h, retu,rq.~, payment; ea.c.h c,he`.ck you .w,,dt.e o,n your. Accqunt t,ha.t,,w.e retu,m u~ppia; eacn stop payment oroer or renewa or sucn an o.rc~..r; each o~llir~g cyc~e.wlmm ~v.n~c,,n your A.`ccount ts ce~!nque,nt [jqt.e..c. parge.~;, ana e. ac..n o!mng c~c~e. within which your ~ an,pe excsec!.syour.`creditlina(ov~rilmlt f~),ev.,~n iLyour,~guntls,Clos~. r~yco,,redueatcopm~,ol'.Olnlng s,tatements~.matw.emrl.m.t sent to you more man mrae montns eanier, we may cnarge a nanolmg )'~e or :i,z tor eac,n suc,n.c.~.y., tr yoNrequest, m[t ~e. m,aKe payment from your persona check ng account, we m.,ay .charge your ore~l[ cprd,a, ccount a r.e~. or M.'do,,ror each ,ra~uest i his rea IS a an~i it will apply regardless of whether funds ara availaole in your personal cnecxing account to make me payment. We may chan]e a transection fee of 3% (min mum $5) wh ch s a one-time F NANCE CHAR,GE, on the am.cont of each cash adVance inc{uding cash from financ am institutions, and ATMs, Wire transfers, money orders, Iotten/tickets, casino gaming cnips, ano similar transactions. Defau I You w be jn defau t f any nform,at on you provided, us p.m~ee t.o be )nco,mp{ete pr u.ntrue .i.f..you ~. no.t. comply .witi3 any part, of tb. is.p, gree.ment;' uoon vour death banKmOtcv, or nsolvency; r you co not _pa~ ortner ?~_..rs when ace r a DanKrup, tcy, pea~on s n .e.,u oy 9r .a. galn.st you pr ~r we.. Day,eve in.gooo ',1 PROVIDIAN ~ Financial Hampshir~ .aw Th s A, gmem.e,,nt s. a fina e~re,ss on o,f the ag ,moment .betwee. n, you and .us and.pay nqt b~. cpntrediCtad by,~v de, nco o.f any, a eg ,e¢, qr,a agreement, tt any pmviston of mis ngreemenf is ne d to ~e invallQ or unemomeao~e, you aha we wit[ consiear mat provision moaised to con~orm to appticau~e aw, .a,n,d the res&of the provis OhS, n the Agree.merit wi. st I.be enforcea,b e At any, tir~.e after we ~t,e, rm(h.e in good, faith, that any p, ropos ,ed or enacted ~egistation, ragu atory action, or jt~o c al dec s on nas ren(]eree or may mnoer any mateda prov sions or t, nis Agreement inva~ o or unenrorceab e, or impose any (hcre~.se~,tax,.,~..~ng ,,r~q. u! .rom, ant, or othe,r, bu~en, in c,,onnec~on with aDy such ,prowsio.n or (ts enmmement, we mgy, .a, ftar at leas,t 30 days notice to you, or wlmout ndtice it permitte~ oy ~aw, cancel me uero an~3 your L;re~3it privileges, we may transtar or assign our dght to a~ or some ct your payments, if state law r~luires that you receive notice of such an event to protect the pumhaser or assignee, we may give you suct~ notice by filing a financing statement with the statE's Secretary of State. Notices. Other notices to you shall be effective when deposited [n the mail addressed tovou at the address shown on our records, unless a tonger notice pedod, i~ spec[fi,ed [r).this .,~greement or by law, which p:e, h~, s. hall;sta~ upon mailing. N,o'~q,e to us shalt be mailed to our address for customer service on your s~erement [or other acaresses we may specify) an(3 snarl De e~ecuve when we receive it. YOUR EI.L~,..IH(~ ~61HTS - KEEP THIS NOTICE FOR FUTURE USE. This notice contains important information about your rights and our responsibilities under the Fair Credit Bdling Act. ~i~l,~,n.{Is itl Case of Error~ or,Q~onC~.Abo~f, t,Yq~r .~lilL~ff,.you~t.h(~,k your bill is wrong qr.if, y,qu.n, e~d more information a,b.o, ut a.~, trans, a, ction,on your ~e .us on a sepera[e sneer, at the ao(~ress ~ere~ m me u~ng ~gn~s Gummary on your ollL wn[e to us as scour as ,00$$1Dle. We mus~ near rrom you no I,ere,r than ,60 days a~r ~ve sent you th~ first bill on ,w, hich the error 9r problem appeered.~ Yqu.,can to[ed,ho,ne,, us, but dg(h,g so will Qot pr,e, se,,rye your rights, in your otter, give us the folloWin(~ intormation: - Your name and Account number, -- t ne (3oilEr amoun[ ct me suapactee error. -- uescdoe me error and exp an. f you can why you believe there is an error. If you need more information, descdbe the item you are not sure about. ~[ yo.u ha..~ authodz,ed us t9 ,pa.. y your.credi! ce~bill a,utoF~aticel!y fm.m,your, checl~(hg ~(;oount, you, .can ,sto~. t. he~ payment on any amount you think is wrong, o slap me payment, your let[er must reacn us mree ous[ness oays oemro me automacc payment is scneeule(~ to occur, Your R~gh~s arid Our Resj~otlsJbilJties After We Receive Your WrRten No,fee. W.e mus.t a..ckno,w, le(~. e your letter within 30 days, untess we have cortec~ ~e e~T~r b,y then. 'Wi~in 90 days~.we must eitt~er cch'act. ,~.e eh'or or expta(h wny we o,efi .ev.,.e me o, fll w,,as correct. After we reserve your let,tar, we c~nnot m/to COllect any amoun[ you question, or repot[ you as oel(hquent, We can continue [o Dill yo~ for me amount ~/ou quesfion, including 7~nance cnarg.e.s..a.n, d we can al~J.y any unp, a d am, o.u,n,t ~ga(hat yqur credit I ne You do not have to pay any questioned amount whce we are nvest gating, but you are still o~figated to pay t~e parts ct your oi{I mat am not in question. If we find.that we made a mistake on your bill, you will not have to pay any finance charge related to any questioned amount, if we didn't make a mistake you may nave to pay finance charges, and you will have to make uo the missed payments on the questioned amount, in either case, we will send you statan'~nt of the.amount you owe and th,e date that it is due, if YOU fa~l t,o ,~ay the amount w..e.,thi,nk you owe, we may .mp. prt you as delinquent. H. owever, if our ,exp. lanatio.n ,.ooe. s Rot satisfy you uno y.ou write to,us within 10 days~eq(hg u~ th.at you stil~,r ,e, ruse to pay, we r~ust to! a,nyan,.e we ~ yo.u [o that you .qu.estibn your,oi,.. A,,n(3, ,w.e m.u,a[tal( y.o,u me name ct anyone we ~porte(3 you to. ~v~e mu~,t to, and, one we report you to mat me matter nas caen set(led oe~sen us ~vnen ~t finally ~s. [t we (3on t follow these miss, we can t co[[ect the first $50 of the questioned amount, even if your bill was oonect. ~c_ ~a,J ~o for.C, ,r~,. J~Card PI~, .r~, hase~.., If yo .u..h .a. vea pro~te .m with the qua!i.'oj of t~te propp., rty or s.ew. ices that y. ou, pumh,a, eed with our c~t card_.and you av~.m.~ m goo~ tam to correct me proo~em wire me mercnam, you may no[ nave to pay me roman ng amount <3ua on me.go~s or services, mere are two.llmlta~qn~ on th s d(~ht: (a) ~u must have made (he pumhese in yqur home sta,ta, or if not .within your hpme state, wimin 100 miles o.f your current mai ~ng aoo~e., ss; .and,(b)"the,p, urc,hese pdce, must have been more than $50. These ~imitations eo not appty it we own or operate the memnant, or if ~ve ma eQyou the a~emsement ~or me property or sauces, 30-Second Response Certificate ¥~, I waist to accept your invitation for a customized. VISA* Gold accourtt! Tnkhwim~expt~s: December 9, 1996 , qZ, tooo No Annual F~ $20,000 Credit Line Lowe~ Ra~s Sh~rtin0 at 0% Y~, I wm~l Illin t~ h~lp l~c/my V'IS& ~ki m:c~mt ,~d c~g~ ~lirt~ with tt~ opitmml Credit 750-11407-7104-9 u'v~ Reference Number: 190485284 Box : 3861 Year : 96 Batch : 20 SSN : 190485284 ~,een.nt ii: 4428000975026382 LLWRIGH VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. $72094 PARK LAW ASSOCIATES, P.C. 25 East State Street P.O. Box 1779 Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF CUMBERLAi~D COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK Plaintiff VS. 'DEBORAH TUBBS Defendant NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the followin9 pa~es, you must take action within twenty (20) days after this Complaint and Notice are served, by enterin9 a written appearance personally or by an attorney and filin9 in writin9 with the Court your defenses or objections to the claims set forth a~ainst you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for other claims 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. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 (717)249-3166 (800) 990-9108 THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. VALERIE ROSENBLUTH PARK ATTORNEY I.D. # 72094 PARK LAW ASSOCIATES, P o C · 25 EAST STATE STREET, P.O. BOX 1779 DOYLESTOWN, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF ACT%: 5418255001065304 CUMBERLAND COUNTY COURT OF COMMON PLEAS PROVIDIANNATIONAL BANK 295 MAIN STREET TILTON, NH 03276 PLAINTIFF VS DEBORAH TUBBS 221 MEADOWS RD NEWVILLE, PA 17241-9769 DEFENDANT CIVIL ACTION 1. The Plaintiff, PROVIDIAN NATIONAL BANK, is a national banking association organized and existing under and by virtue of the laws of the United States of America. Plaintiff solicits and maintains consumer credit accounts in Pennsylvania and is the owner of this account, which is the subject matter of this action. 2. The Defendant, DEBORAH TI/BBS, has a mailing address at 221 MEADOWS RD, NEWVILLE, PA 17241-9769, 3. The Defendant is indebted to Plaintiff on the credit account by virtue of charges or cash advances incurred by the Defendant or authorized by the Defendant on a credit card or line of credit owned by the Plaintiff bearing account number 5418255001065304. THIS IS AN ATTEMPT TO COLLECT A DEBT. ~ INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 4. The Defendant requested an account, account number 5418255001065304, which is owned by the Plaintiff, and an Account Agreement was sent to the Defendant. A copy of the Agreement is attached hereto as Exhibit ~A" and made a part hereof. 5. The Defendant has failed to pay the amountowed in accordance with the Account Agreement and has failed to pay the outstanding debt as agreed. 6. The Defendant is indebted to the Plaintiff in the amount of $4,175.56 as of 01/!8/2001, plus pre-judgment contractual interest at the rate of 21.99% per annum, less payments made. 7. In accordance with the documentation attached as F~xhibit "A," Plaintiff is entitled to reasonable attorney's fees, and Plaintiff will incur attorney's fees in the amount of $709.00. WHEREFORE, Plaintiff demands that judgment be rendered in favor of the Plaintiff, PROVIDIAN NATIONAL BANK, and against the Defendant in the amount of $4,175.56, plus pre-judgment interest at the contractual rate of 21.99% per annum from 01/18/2001 until the date of the judgment herein, plus reasonable attorney's fees in the amount of $709.00, less payments made, plus costs and any other such relief as this Court deems reasonable and just. COUNT I- ALTERNATIV~ 8. Plaintiff hereby incorporates paragraphs 1 through 7 above as though set forth in full. 9. The Defendant received a monetary benefit, which was in fact appreciated by the Defendant. 10. The Defendant accepted the benefits. 11~ By virtue of the circumstances surrounding the request for funds made, the Defendant knowingly requested the funds at issue THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. and/or knowingly and voluntarily accepted the benefits bestowed. 12. It would be inequitable for this Court to allow the Defendant to retain the benefits of the funds or to be unjustly enriched at the expense of the Plaintiff or allow the Defendant to retain the value of the funds at issue without repaying the Plaintiff the value of same. WHEREFORE, Plaintiff demands that judgment be rendered in favor of the Plaintiff, PROVIDIAN NATIONAL BANK, and against the Defendant in the amount of $4,175.56, plus pre-judgment interest at the contractual rate of 21.99% per annum from 01/18/2001 until the date of the judgment herein, plus reasonable attorney's fees in the amount of $709.00, less payments made, plus costs and any other such relief as this Court deems reasonable and just. PARK LAW ASSOCIATES, P.C. VALER!~E ROSENBLUT~ PARK, ESQUIRE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, IT IS REQUIRED THAT WE STATE THE FOLLOWING TO YOU: THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. VERIFICATION ~, HEATHER K00RE~AN , declare that: I am a designated agent of PROVIDIAN NATIONAL BANK, the Plaintiff in this action, and I am duly authorized to make this verification on its behalf. I have read the foregoing complaint and know the contents thereof; that the same is true of my own knowledge, except as to those matters stated on information and belief and, as to those matters, I believe them to be true. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. I declare under penalty of perjury that the foregoing are true and correct. Executed at Alameda County, in, ~ State f California. Date Designated Agent PROVIDIAN Financial Providian National Bank VISA® or MastarCar~ Account A{~reement for Deborah Tubbs December 26, 2000 E,~lease review ~[s docu, qment and keep` it with your ,o.,ther important pap`pre, This Account Agrae,ment contains the terms which ~3ovem your Pmvidian National nk VIS,A, or, Maste~ard Account {the, Acooun.t) The Account, a owgyou, to ,re. aKa pu. mnas~ by using your VISA or'Maste,K:;a, rd card,,{the "Card") erever it is nonorea and to oat cash a~ances rmm us or any omar t}artidipating Tinanc~a~ institution and from Automated Teller Macntnes. ~;onvenience checks,may a!.so be p. mvided'[o you as an .additignal~ay.to use Lhe A, ..ccou.h.t..th this Agree~nent, .'you" and 'your" mean ea.c,b pemon for whom we have opanpc a cr~,, ~t pa,rd ACcount. 'We,' 'our," "gu .m." uno Us".me.an vrov~clan Nat,tonal, BanK or ~t~ assignees, as I~st,ed on your bi lng statement The Account may,,t~9,use~notymr pe,,r,r,r,r,r,r,r,r,r,~on.al, famly.,,hou, senolcl, a,nd,c, nantab)e purposes, a, ng ncttor any busmass or commema purpose AnyuseofthsAcoountshal coonsatute acoepranca or me rerms oTmis Agreament. You ano we agree as ~ot~ows: Payments. You will receive a monthly statement showin~ your outstand ng ba anco Payr~ent on this Account is raqu red in U.S. dollars (checks must be payable at a ,U. S: o~ca of the bank th6 c, heq. k, s drawn_pn~for,at least th9 paymept due as..show, n on yo, u,r, state,rnent by the payment, due, date in, accel, an.ca w~m,p,:),,ymeptin, structionsonyourmonthysrateme,nt. Ine,~acKoryourstatementssnowsmemesweio owwnenwe ,.ppstpayments ~;onvenlencacnecKs apO, omer ChecKS we ssue td You may not be usa~ to make payments on your Account or to make payments on any other ~3ccount you have with us or our ,smile,tea...The pay0~e'nt due wil~ be: 2% of the.new ba!ance stio,,wn on your stateme,pt p ,us the a,,mouht 6~ any past due payrp, eot, and re, ay include the ampunt oy which me new nalanca exceeds your cracl~t line. However, the payment due wi[~ not De tess man $15 (un.ess your new De~anca is tess than $15. in which case the..payment ..d. ue ..wi:ii be the. amo.un.t of thp, new balance[. . If your ,A. coo.u, nt is past .due or ,abq..ve the c.re~.it ina, we, may requ re a, h gher,n~inimum pay~ne,nt, quc we ~ll noa~ you De,ora o~mg so, I~ your pa~ent ~s more man me payment cue, it ~11 be ,.m~_.reo as a siog~e oayment uno none et it will be app~.eg .t9 tutu,,m payments ~.ue. We may. ec,c .~t.late or pa. raal payments, or payments marked "paid in furl or marked wire other rasthctions, without losing our ngnt to celiac! alt amounts owing unaer ~ls Agreement. Finance Cha, rges. Except as des.c,n,'b~d,in the Gra, ce Pedod for Pum. h,s ,se Ba anco .section of this Agreament..finance .charges. ,begin to. a,,corue qn ,a debit .wn, e~t is.inclu-~d~ed,, in ona o,f ,ypur Doily palances anq continue until th..a[ ealance is raouced by a payment or credit. Your ,'~ccount nas the meowing oalances: me ~'u~nase ~alanca._wn~ch c_.ons.~.ts, of you[.e'xrsting P,u[c.hase qal, anc.e, a,nd new.purenases you make with your Card and fees for cartoon optional senecas, one or more uustom ~Jasn A(~anDe ~alancas, wn~cn consists o! balances mat you transfer to your Account using balance t~ansfer checKS and balanca.s that we transler tor .you anti me Cesn A~ance Balance, .which ponsi.sts of eli o,.ther ,ca.sh adv.a, ncas and ~sh~a',dvance transac~on fees Any, Eayment am~ount we receive mat exceeds me llnanca c~ges uno ~ees men cue will ominad~v De app`,jied first to me ~a~ance with the ~owsst Annuat ~ercantag,e.,Rate (APR), until that Ba anco is zero, ,fi.nd the,n to.the .B.ala..nce wi~h the next lowest APR, uhtil that Baianca is zero, and then to any remaining ~a~ance.we reserve the right to ap,p y payments cmerent y whnout ~urmer notice. he purchase .Cu.stqm C. ash Ady.an~, an~.C,ash Advanp.a Bal,a.nces are re..duc,~ by pa, yme.nts as of the ~te' race red ~d b.y cr.a.d ts. a.s pf the ~te' posted, o(Iowe; funds eiactronicei[v transmitted to other landars to transfer balancas, as of the date transmitted; checks to transfer balances, as of the date l~re'sent~ .to_u,s.. Other cas.? advances ,am inc!ude~, in your.Cash Advance B.ai.a~e as follo~s: ca.. s.h ~(;tvapcas fro~ qthe,r fin.ancia institutions and through Aurora.steel 191~ers, as.of m~e d~..te ma~; cash a~..anca cn,ac~s., m,,ace payable to y~u th, at are identified as cashiers cnact(s a~ mailed to you at your crue~sust~St, ~as o.~ s.eyen ~ays ~rer.m.e ,date w[p,~nt on me p,,h. acK; @11 ompr c.n~ks, as of, the ~ate pra, .s.ent .ed to us,_Oth, er dab[ts .are in..cludad in your Pumha~, ~u. stom ~as, n A(Nance.or L;asn AcNa.qce ~alance as o~ me oate pos. tea, t;Ln. ance c.narg~s am. acoe~ toyour yumnase, uustom uash Advance, and Caen A~anca t~a~ancas each day and ara men posted on the last day of the b~[hng cycte, mera is no grace boned for custom cash advances or other cash dTO ~agnU~ ~.e..da. ily finan, ca charg9 fo.,reach ~ ,of .B.alance~ w..e sf.art~th yp, ur p,revious day'.s Beienca~ add all.dabits, and subb'act all credits for the currant ay d ~ Is.ply,me net amou,.nt Dy me .appllcao~e O~lly,p~l ,o~c rate iaea rollowlng parag.ra..pn~). The ~nance charge for each bjpe of Balance is then to ~_nd~ inc~,.d~'.in th.at ~y'e~eianca; we trpat a c..r~:~t baJa..n .ce for ,any day a,s ze,m,,, w.,e qq,t, ptmine the total fi~a.n.ce ~charges ,on ba ancea [pr ,the bi)tin, g .cyo e Dy aoamg tpgemer me finance cnar~es rot each type o~ t~atance ]or each clay wimin the ~itting cycm. m catou~atin~ r~panca cna~.es,,{m adjustment b~ I~aqe' for.a.,ny tr~.ns~, ction, or. paympnt ~at wou. l.d ha'~ ,afl.ted ~e .fina.n.sa,c.har~e calcula~o,q.jp a priqr billi.ng cycle q,aait b.~n p~te'~ ~n .ti)at ,cycle...-~ne ,appllca~..le oaly panc~lc rare rot SUCh a [ransacaen Wiil De me rare In e~ect ror me current miring cycm rather man me rate in eaect on me eate oime d~OeyUr .s~te~,e.~t incl~e, s an, ,average ~ily ~bal. anc. e. for ea,c~h .bJ~e of B,,alance., .Y. pu sap.m,u[tip,ly e.a, ch .ave,rage daily bala[~,~.at is not, zero by the .number.of ,S.[~ ~e Oil!trig ~ycle a, no me pa~ioom rata tO 9Drain SUDtOta..te~, eao men ao~ ~e sucre[als regainer [o Determine your total r~nance charges on oamncas for =,rog cycle. ~1 a cash advance transaction rue is charged, mat amount is a~so a nnanca charge. T,t~ t,e~m 'Pdm..e Rate' aa used in the Agreement me,ans t.he..highe.st pdm_e rate pub! shell., n the ,W. all. S~.ee, t Jo.umal op ~e first .bus ~ss day of the pra~ous, galen(tar moore. Any ncreasa or oesreasa n the Annua Pemenrage ~.ate will tat~e errsot on me T~rst cay or your oitling cycle ar~ may result in a Slight increase or aecraasa n the an'~unt of your minimum payment 0~e.0h~j~6ANNUALPERCENTAGE .E~.TE {A, PR) for ~chasas may vary a~d ~ be a. djusted .~.ch b ting,cycle to 1 ~.24% above P,[ime Rate ,b, ut will in. no event, ~an 19.99%. Using this rormurs, the APR for pumnases tn me uecamDer 2000 ~ilting cycte is 21.742~.~, corresponoing to a ~i~y pedoclic rate or %. The ANNUAL PERCENTAGE RATE for cash advances is 21.99%, corresponding to a daily periodic rate of 0.06025%. if we. receive. ~Qu.[~c. cpunt payme.pt late 2 qr.,more ~im,e.s in any. 6~-m~pn..[h.~riod, pp each su.,ch (~c~[rr.ence w,e m~y incraese,the APR for puro~3ases up to a maximum ~.~..~ I, cormspong..~ng to a early ppnco~c rate o~ u.uab~.~?)~ uno increase me A~/or case a~ances uno custom casn aovances up to maximum or z.~.~'~ (co.rr.esoondincl to a daily periodic rate of 0.06384 ~). I~ after you receive the higher rates your payments ara received on time and you vmo~t/~tic~Outhn~,~tre~mls~3~ ~er~fnOnr 3 consecutive months, you may contact our Customer 5eh/ica da~rtmen[' and, at your request, we will ravlew Grace Period for Purchase Balance. New pumheses posted to your Account n b ling c,/cles with no p. revioqs balance, or when the previous balance was futiy~paid dating the c/cie, do not .b~gin to incur a finance charge until the start of the next'bitithg cycle. You Will,pay no finance charge on .such new, pq.ronases {f you pay ,~..e toter new b~la,nca in. fu, ti by ,the payment due ,date shq .w~ ..~ yqqr statemen[ New ppronasas posted in any other eitiing c/c~e incur a r~nance charge, uno mere is no perioc in wnicn SUCh pumnases may De repeiQ without mcurdng a ~manca cnarge, Feea..We may charge your Account $(3 for: each ,Card you ask us. t,o r..~lace; each retu ,re. ed payment; each c ,be'ok you write op your.Accqunt t,he, t.we retu ,m uDj;Laic; each step payment order or renewal of~ucn an order, eacnoiiling cyc e with n wn ch your Account ts ealinquent (late charge); ant each oilting CVCle WIm)n.whichyOur~)~aIanp~eexce~d`s.yOurp~rsdithne(~ve'riim~tfea~)~ev~e.n~Ly~ur~A-c~`c9unt s,clds~, Ifyou,.reqnastcupiesof. billing;s, tatementsthatweta'first sent [o ¥o.u more man mrae monroe ashier, we may charge a nano~ ng rea o~ ~z ror eacn such cco¥. n you rectuest that we, maxe a one-time automatic pay, m..en.t.,from.your pa,.monai.ch,ack, ing .acco, unt, we m.,ay,charge your credit, c.ard.,account a fee of $4,.95.,for each re~uesL This ~ea is a FINANCE CHARGE, uno ~[ Will apply regardless el wnemer lunos ara avei~ao~e in your persona~ cnect(ing account to make me payment. We may charge a transaction fee of 3% (minimum $5), which is a one-time FINANCE CHARGE, on the amount of each cash advance, including cash from (Continued on reverse) (5846-0698) 5418255001065304 1529 581 financial institutions, and ATMs, wire transfers, money orders, lottery tickets, casino gaming chips, and similar transactions. Default. Y9u .,wit, be. n defau t f any nfotm.at on you p.rovided, us p. mv. es t,o be )ncq.mpl. etepr u.ntme;.i~.yoq dp... n9t. comply wi~ any pa.rt, of t,his,.Agreement;. u .~,,n your ~am, ~anKruptcy, or nso~vency; T you (30 not pay omer Dears when g.ue; r a Dank ,merCy pea[Ion ts I ..es, Dy 9r .a. gam.st you;pr rwe ~ eve n faith that you may not pay or ~dorm your o5 gat ons unaer this Agreement. ,~r you are in Derau'lt we. may, wimqut rurm`ar ~mana or n. otice, cancel your cm, d!t pn.'wlege,s, dec ara your Accopn. t b,,a an.ce immediately, due apd. p, aya. b.[e~.a, nd, u,se any [~m~y we n~,ay nave. i.~ the..e`v, en.t az your .default.the outsta, p, sing ~aance on your Account sna, continue to accnJe Interast at me APHis) a~ec~osea ~n me t-manse (jnarges seccon at m~s Agreement, even ~r we have flied su~t to collect the amount you owe. Cr~.,i.t ,Line. ,.Y. ou, r~ credit pes specfi~l fram time to ti ,m.e, ina. sapa, rata. n.otice. ,Your mqn~[hly s~tements show your .c.[edit ling a.n.d the a~qu, nt of y.o.gr avallaole cmoit, we may increase or Decraasa your craOlt line eased on i,i).TorJcna.,[ion We oo~aln~o Tra,m you o..r your c..raOlt recom, s. ~,ou.,r ay, aua~le c ,melt IS normally the differance between your cred t ne and your Ac.count balep, na [,inc,[u. ping. tm.nsa.c..tio,ns ma.gee or aumorizes Du..t not yet ~.s.tee), I! you se. no us a argo ~yment check, we may limit your ava ab e cradit, whe we confirm mat th.e. c, necK ,w. c ear. i-or certan ,transactio,n%,avallapJe craQitmay De ess You Will not use your Account'for, and we may rafuea to honor, any transact on wnicn wouto cause you to excee~ your ava ~aDle craolt. Pramis, e to Pay You prom se to PaY us when due .a [amounts borro.wed when yo.u or, so.meone .else use your ,A~ount. (even. i.f the a,m, ount charge.~ excDeos your permission), all other transactions an(3 charges to your Account ano c,?lection costs we ncqr ins udng, out not fimitee to, reasonaDra attorney's fees and court costs. ( f you w n the suit. we will pay your raasonable attomeys fees eno court costs.) Chqnge%. Afl;er we p~.rpvide you a, ny ng~,c.e required by l.a.w, we I~ay change any .~r[, o.~ this...Agrse.ment and aCd o.r ramoy.e ,mquira,ment.s.. If ,a, c.hang.e is ma(3eto me ~-manca (jnarges section or mis Agraement; me new zmense charge c~aloula~lo,n W, lll ~ply [.o you,r ,e`ntlre. ACCount .Dal~t, ca r,rom .me e~ect~ve cate of tl).e ch,ange. C,.han, ges w~l) apply to balancas that include items posted to your Account eerora me cate or tDe cnenge, an(3 Will apply whether or not you continue to use me ACcount. · Foreil;In Exchange/Currency Cenversi,on. If you use your Ca .rd for tran~cti .on.s in .a curre,ncy at,her tha,n, U:S~dol[ars, th,e tra.n, sac, tions will be converied to. U.S. ~ollars, Renera[ly usin~] either a (i) govemment-mandatao rate or [ii) wn.o. lesa, le ,,m.a, rKet, rate in ,opec! me eay DetOra me a~a_gsaction is process.aa, in.creased, by .m, res percent ~3%). Ifa c",r~,,t is, subs.squen, tiy. giv,e,n fpr a t. rans.a(~tlon. ~t w,~ .De oec~as.ee,@y me sam. e percaq~ge, lne currency ce.nye .m, lo.,n rat,~ uses on me conversion data may (3~er rram me rate m enact on tne cate you usaa your (Jam. You agree to accept me conver[ee amount ~n u.5. decors. Thhe Ca. rd; ~ancell,,atio,n. You m,a.y cancel your .creqi. it privileges at any, tirn~e by, n..o,tifying us in w.d,ti.'ng,,and.dest, raying the,.~;a~(.s). Upe.n the.~;ard e,,xpi~op, at e ode or ,,ne manta seown on it, we rasarve me ng,~t not to renew me t;ara, vve may canse~ me (Jam ano your craolt pnvl eggs at any t me azter ,~u oays notice to. yo.u., or w,i.'thou.t n. otic.e if perrp, i~ed .by law..!r y.qur Card is can~!led.or not ranew.,.ed, finance ch,,arg.es.,and o.ther f,e~ wtil conti..n, ue to. be asses,sed, payme, nts will continue to De (3u/~, en(3 al~ omar appficao~e provisions o~ mis Agreement wi. r~majn in e~Test, n you resinate your ~redit privileg, es, or ii we cance~ or do not renew the Cam. you may no longer write checks on your Acc(~unt. and you Should destroy any unuse~ checks wenave issue~ to you. Pem. analth, formatlen;D.o, cuments Ycow, pravi~deus~a~t~east1~days~n"~ticeify~u~chan~eyqurname~h~m~e~r~m`ajiing~a`d~¥~s~s~taieph~n,enum~bets~ employ/merit or income upon our raquest, you wil provide us additiona~ ~nancial inrormaaon, we raserve me right to ootain irflormacon tram omers, in, cJ,~ng c, radit reporting agenci,es, and tp pCoyi.'de you, r a,d,drass and, infprmation,,ab, o, ut yogr Accgunt to~e.rs. W,e may als.o, s,b,a, re info ,n'o. atio.n wth o, ur .a. th ares However, you may w~te to us at any time ~struct ng us not,to snara cr~it nrormation wire our am ares ir you (3o not ~u ~[ your aa gations under mis Agreement, a negative credit report that may rat~ect on your cmo t may be suomitted to the credit raporting agencies. Customer Service; Unauthorized Use, Loss. er Theft of Checks er the Card. Each Card must be signed on receipt. You am ra~sponsible for ,safeg,,ua~ng ~ Sa. rd, your I_P..9.rsonal I~n, tification N,,um.ber.{'PIN"~,which provides e.c.c,e~s to A~utom, at~, Teller Mechine.s).an,d any c.h~ks is. sped to ~ou, rrom then. ano KDeplngyour HtN sepa, rate ~mm your (jars. it yog (31scover or s,u..,spect mat y.our (ja~;, [Lr~, ..or any unusea CnaCKS ara ~eat or Stolen, or mat the,re, m..a.y, be an unau.modzed tmnsac, tion .on your Acco. unt, yo.,,u will pramp, tiy n, otthj u.s, by .c.afi .n~,!- ,80u-9,~,-,7,221. S,o we can im.m .~a, tay act to m [ os~s eno flap ,ry,,y..~ will phone us even mougn you may a so noti~ us n writing. You w ~ not De ao~e tar unaumorizeo usa .o~c. umng Demra you notify us o! a Io~ pr ,.t~ne~ If you report or wa_sosDect una,,utho.nz~ u. se o! your Accou..nt, we m..ay.su.spend,.y.our pr .~it privileges until we, rasolve th~ .p[doem to our saas~action or issue you a new (jard.' If your (jars is lOSt or stars,n, you wit prampay Destroy all cllenKs m your possession, lO improve customer service and security, you agree that your calls may be monitored or recorDe~. laerChantReis. fie,ns. We w t not be iabe fany. perso.n or Automat.ed Tell.er Machine_, rafusas.to h. onor the.Card or eccept your ch,~ks~,or fa .s J,o ,rat. urn. the, rd to.you.,we., nave no ra.,~qnsibili~ for goo~8 aha sawic,es, pumnas.eo with the` (jarg. pr ChecKS except as. ~, ui.ra~ Dy law. t'.~, ~,l;$cia Ku~e De~owj attain Denents mat ara available wth the At'count are pmviDeooy thira,party veneers, we ara not rasponaible for the quality, agailabihty, or rasults of any of the services you cheese to use. ,iS~l~, Payment.O. rders.. If. you wish to. step peyment on.a ch, ank, ygu,may ~nd.us a st .ap p,a. Yme`nt order by .writing to us at our add,ress fqr custon'ier s.e~ca sraa on your {~tatament. You can ma~e a {~top pa.yr[~ent ora~., r ora,y .Dy, ca,rog me numoer,stea on your stammaht. When ~u make a stop payment orDe~, you must p, rovLde your Ac .co.,unt number a, na .spec~r.~.c. tnfo .rrq,,ation, ab,d,'utme` ch~k: the,.p,xact amount, the~date on ~ c. hesk, me n.ame.of .tie ~.r[y to. whom w..as Paya. Dle. me name of me person wno s gnee it. an.n me cnecK, nurnDer. T. Pu w~ be as. ked,,to ~nr~rm .an ora step payynent oroer n wnsng we may q~sragara your oral order if we do not receive a signeo written coral .Fnation wimin two .,w~s a.~r me or~ omar, or ~! we pav. e not received an aDequatb ae.sofiR,tion of,the jt.e`m so that.pay .m, en, t ~n ~ stol:~gd,. T.h.e orde`r will not be. elf ,estiv. e if the..chec..k was paif:l by, us I~. ~om we nap, a re.a...sonable opportunity to act on me oroer, we may, wimout tiabi~ity, aisragara a wntzen stop payment order s~x monma a~er receipt un,eeo it ~s ranewaa in whting. t~tan, dard of, Cam. Becau ,,~. ~is,A, ccount n~qlves both c .rf~clit card,and, ches. k_tmqse, ction~..which a.m, pmce.ssed ~raugh separate natiop, al .~tams before, e .[ran.saq.tions..ara conso~idatea ay us, eno Decau~ not ~en/cnen~ .ana (jaro slip..,wi,,.De sent to.us, transactiqns in Yg~r Accouqt Will De p ..ro~.., mannantca,y w~mout our necessad y ray owing every ~tem. uur procesang .system w,~ ca, our attention to cartan ~tems wn ch we wil examine We will .axamin,.e all .[r~. nsacti, ons .wh.en you J.,egort .that yo,ur..C, ard ,or ch .esks. haye .bee'~n. lost or stolep,. ,We do not in.te.n.d.,ordipadly to exami~ all items, and wt will no.t Re neg~gept ~r we aa not co so. ~ n~s rue es ...xab,snes me sta..na.ara of ordina. G, cR, ,re wn c[~ we n g..~, ram w~, exam se n a(3min stesng your ACCOunt. qeca. u~ o~our?.m, ited .review,, ,ana.becauea n~the`r your .cenos~Le.a checks, nor ~ara tm,n~c,tion slips ~ll, be ,m. tu, med to you with th,e` man,thly ,state`mant, you, snouja De .c. aretu, l. to enter a, ChecKS in your cnec~ mgisrar or o~enviea Keep a racers or ~em..You sOou~a a~so save your ~redjt cars c~sn a~anos eno pumnasa s,ps. 'leu agree to check your monthly statementa against your racord and to notity us ~mmea~ately of any unauthorized transactions or errors. Waiyer e.f .Ce~in Rights .,We may de ay or wa ve enforcement of ,any pro. vis on, ,of. ,th s Agreement, wi.th, out os!rig p,~r ~g.h.t to enfqrca it or .any other prows, ion ~at.er. You waive: .me righ.t to prase`n~ent, ~.mand,, pratast, or notice or a snonor, any epp caD~e statute or rotations; an,~ any right you may nave to redu~ra us to procDe~ against anyone De, ore we rca suit against you. H~aaPlic,~..bio, La~r~..Soy. arability; Assign,men[ No ma~e..r whera you .I ye,. this Agreeme. nt and,your Ac.c,ount ara g,.o~(em, .ed by f. edera ,law an,,d by.New, mpsntra La.w, I n~s Agreement ~s a r~na~ e~rassion or me ag. ,moment DetwDen you ano us aha may not De contra~ictea ay egiDence o~ any a,egea Oral egraeme`n.t. ~fanyp.ro. yis~onofthisAgraeme, n[ished.to .,b.e.i.n,y.a.~doru. nenfo, rgeat.~!e you. endw..ewi co.ns.derthatprovisjo, nmodifi.edtoconformtpapp cabe. a~, .a.n~ me ra~t pr me j~mvisiqnsjq t, he, A. grea,mant will, stiff,De enramaep~e. At any tiF~,e a~e`r.we ee. termine ingoDe taith,.that any p. roposee or enactea ~eg~s. la~Jon, regulatory acaon, or juo~c~al Decision nas ransome or m~y renDer any ma[enal praVlS~ons or th~s Agreement ~nva,d or unenforcaable, or impose any ~ncr~..,see.tax,.rep~rting r~qbi ,rem, ant, or oth,e.r, bu~rden, in cpnnes[on w,i.'th a.~y such. Jg. rov~siop or its enfomement, we mey, ~fter at least 30 days notio.e to. yoq, o.r w~mou.t noa..ce? perm~tte3 Dy law c.ance) me (jara. ena your ~.raa~t priy, eges. we may transrer or assign our right to a. or some or your payrnants. ~r sate ~aw .~, .~res mat you reDe~ve notice o~ SUCh an event to protect me pumnaear or assignee, we may give you sucfi notice by filing a financing statement with the state's Sanratary of State. Notices. Other notices to you shall be effective when deposited in the mail addressed to you at the address shown on our records, unless a longer notice PROVI DIAN FinanciaI 3edod is specified n th s Aclreement or by aw, .wh. ich ~fi, o~,,s, hall..sta.r}, upo,n mailing. Notic.e to us shall be mailed to our address for customer service on ~,our statement (or other addresses we may specify) ano sna, De e~ective when we receive ir. YOUR BILLING RIGI.ff$- KEEP THIS NOTICE FOR FUTURE USE. This notice contains important information about your dghts and our responsibilities under the Fair Credit Billing Act. t~tify .Us in Case of Erro~ or. Question~,Abo ,ut.Yqtlr .Elill.~ !f, you..thin, k your bill is wrong qr if, yRu n. ee. d more informa~on a.b, qut a,.n.y trans, a, ction.on your ill, v~rfte us on a separare sneer, at the aooress isrea in rne uilling ~ignts ~ummary on your Gilt. Write ro us as soon as l~ossiote, we musr near from you no.l.ate'r than 6,0,days after we s'e,n,t you th.e tirst.bitl on ..which the error, o.r pmbi. em appeared..., Yqu,,can talepl~one`, us, but dpin9 so will n..ot pr,e, se.,rye your fign, tsm your letter, g ve us the to ow ng, imon~at on - Your name anc~ Acc.ount number. -/ne,oollar amount of me susp ,ecteo error, - uescriDe me error ano explain, if you can why you believemere is an error. If you need more imormation, describe the item you are not sure a~out. ~yo.u ha, ye authoriz.ed us to, pay your credit, card biff a,utomatical!y fro. m.your.,chec[~ing a~count, yo~ can ,sto,p ,the, payment on any amount you think is wrong. o stop [ne payment, your letter must reach us three business Gays eeTore me automatic payment is scneou~ee to occur. Your .Righ,,ts and ,Our.. Res[J.qn.,sib~lities After We Re,,ceive Your Wff~en NotJce,. W,e mus,t a,c. kno,w, le ,dg,e, your letter.wit, h. in 30 days, unless .we, have correcteome error Dy men. wlmin 90 days,.we must either correct me error or explain wny we behove tne O~ll WaS con'ect. ^~er we reca~ve your ~e[ter, we c,annot t~y tq collect any amount you ,question, or rep. orr you as, .~linq.uent. ,We can cor~tinue to bill yo,u. for ,the amount.you quest on, inc~u,d, ng ,finance cnarges, anG we can a~. y any unp. a O amount aga nst your creoit ~ine. You (30 not have to pay any questione~ amount wn~e we are nvestigating, out you are still Obligated to pay ~e p~trts of your bill that are notin question. If we find,that we ma~ a m ste,ke on your.b I, you w II not. have, to pay, any finan,ce charge, relat.e`d to any ques,tioned a. mo, unt..If we d dn't ma.k,e a m, stake, you may nave to pay t nance cnarges, ano you wil have to maKe upme misseo payments on me questione(3 amount ~n eitner case, we wil~ seno you a stateme, nt of, the .amount. yo.u, owe and the d~te that it is due,., If y~ou,tail t.o p. ay the .am. ount v~.e`, thi.nk yqu owe, we may r.epprt you as delinqu.ent. I;Io,w,e,~er, f our e.xplanatiop c~oes not satis]y you ano you write to us wimin ~u esys telling us mat you Stil~ refuse to pay, we must tell anyone we report you to tnat¥ou question your Gill, And, we musftell you the name of anyone we r~ported you to. We must tell anyone we report you to that the matter has been settled 15etween us when it finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bii[ was correct. ~P~veC~!l I~qle for ,C, ,m~., it. Card Pu.~,,hases.. If yoU hpye a pro.bra .m with the qua}i~/of tl~e pro~rty or spwi. 'cos that you. purchased witi3, our credit card_.and you e meg n gooo m m to correct me prod em w tn me memnan[, you may not nave to pay me roma n ng amount oue on tne ~3ooos or sauces, mere are ~o.limitatie`ns on th s d~ht (a) you must have made tl~e purchase in yd~u,.r,,ho_m.e sta.te, or f not .w th ,n yoqr hpme state, w t~ n '~00,. m es o! your cu,rrent mai lng a~ress; and (b)-the p, umhase price must have Dean more man ~.ou inese m tatons ~o not epply T we own or operate me memnant, or it we mai eeyou the advertisement for the property or services. VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 East State Street P.O. Box 1779 Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF CUMBERLAND COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK Plaintiff VS. KAREN S STANTON Defendant ND. O/- q6 NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by an attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for other claims 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 EAVE A LAWYER OR CANNOT AFFORD ONE, GO TO, OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP, ~ERLAI~D COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 (717)249-3166 (800) 990-9108 THIS IS AN ATTE~PT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. VALERIE ROSENBLUTH PARK ATTOR/qEY I.D. # 72094 PARK LAW ASSOCIATES, P.C. 25 EAST STATE STREET, P.O. BOX 1779 DOYLESTOW'N, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF ACT#: 4428472756229180 CUMBEI~ COUNTY COURT OF COMMON PLEAS PROVIDIANNATIONALBANK 295 MAIN STREET TILTON, NH 03276 PLAINTIFF VS KAREN S STANTON 235 MOBILE ESTATE SHIPPENSBURG, PA 17257-0000 DEFENDANT CIVIL ~TION 1. The Plaintiff, PROVIDIAN NATIONAL BANK, is a national banking association organized and existing under and by virtue of the laws of the United States of America. Plaintiff solicits and maintains consumer credit accounts in Pennsylvania and is the owner of this account, which is the subject matter of this action. 2. The Defendant, KAREN S STANTON, has a mailing address at 235 MOBILE ESTATE, SHIPPENSBURG, PA 17257-0000, 3. The Defendant is indebted to Plaintiff on the credit account by virtue of charges or cash advances incurred by the Defendant or authorized by the Defendant on a credit card or line of credit owned by the Plaintiff bearing account number 4428472756229180. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 4. The Defendant requested an account, account number 4428472756229180, which is owned by the Plaintiff, and an Account Agreement was sent to the Defendant. A copy of the Agreement is attached hereto as Exhibit ~A" and made a part hereof. 5. The Defendant has failed to pay the amount owed in accordance with the Account Agreement and has failed to pay the outstanding debt as agreed. 6. The Defendant is indebted to the Plaintiff in the amount of $13,284.23 as of 02/06/2001, plus pre-judgment contractual interest at the rate of 23.30% per annum, less payments made. 7. In accordance with the documentation attached as Exhibit "A," Plaintiff is entitled to reasonable attorney's fees, and Plaintiff will incur attorney's fees in the amount of $2,258.00. W~EREFORE, Plaintiff demands that judgment be rendered in favor of the Plaintiff, PROVIDIAN NATIONAL BANK, and against the Defendant in the amount of $13,284.23, plus pre-judgment interest at the contractual rate of 23.30% per annum from 02/06/2001 until the date of the judgment herein, plus reasonable attorney's fees in the amount of $2,258.00, less payments made, plus costs and any other such relief as this Court deems reasonable and just. cou1Fr I- ALTEP. NATIV~ 8. Plaintiff hereby incorporates paragraphs 1 through 7 above as though set forth in full. 9. The Defendant received a monetary benefit, which was in fact appreciated by the Defendant. 10. The Defendant accepted the benefits. 11. By virtue of the circumstances surroundin9 the request for funds made, the Defendant knowingly requested the funds at issue THIS iS AN ATTEMPT TO COLLECT A DEBT. ANY INFORF~ATION OBTAI~D WILL BE USED FOR THAT PURPOSE. and/or knowingly and voluntarily accepted the benefits bestowed. 12. It would be inequitable for this Court to allow the Defendant to retain the benefits of the funds or to be unjustly enriched at the expense of the Plaintiff or allow the Defendant to retain the value of the funds at issue without repaying the Plaintiff the value of same. WHEREFORE, Plaintiff demands that judgment be rendered in favor of the Plaintiff, PROVIDIAN NATIONAL BANK, and against the Defendant in the amount of $13,284.23, plus pre-judgment interest at the contractual rate of 23.30% per annum from 02/06/2001 until the date of the judgment herein, plus reasonable attorney's fees in the amount of $2,258.00, less payments made, plus costs and any other such relief as this Court deems reasonable and just. PARK LAW ASSOCIATES, P.C. BY: VALERIE ROSENBLUT}{ PARK, ESQUIRE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, IT IS REQUIRED THAT WE STATE THE FOLLOWING TO YOU: THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE THIS IS AN ATTEMPT TO COLLECT A DEBT. A~NY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. VERIFICATION I, HEATHER KOOREMAN , declare that: I am a Designated Agent of FIRST SELECT, INC., the Plaintiff in this action, and I am duly authorized to make this verification on its behalf. I have read the foregoing complaint and know the contents thereof; that the same is true of my own knowledge, except as to those matters stated on information and belief and, as to those matters, I believe them to be true. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. I declare under penalty of perjury that the foregoing are true and correct. Executed at Alameda County~i~ Date Designated Agent IState of California. PROVIDIAN Financial EXHIBIT Pm ' ' ' rsU~.ste~ard~ Januar/3, 2001 [anton Please rev ew this document and k .e~p. it w, jth your,o, ther impgrtant pap~ra This Account A reement co Bank VISA or MasterCard Account the Account ) The Account allo ' g ntams the terms w ' wherever it is honored and to et cas~ adva ' ws you to make utah ' h~ch ovem our Pmvi ' ' checks may also be ' nc,es·, from us or an other a .... P .a. ses. by using our VIS dmn Nati~ Opan,ed a credit card ~du~ ~u,, .as an. .a_dd,ti,ona ,w..a.y to u~ the ~r~uC~tftiP-g,~.nan. cml ,nstit,utign and fromy Autom~aAta~-r~,~-sej~a,r.d cardJthe 'Ca may pa used onl for rs&~.~l f~m' uur, ours aha us'meanPmvidianN~ti'"~nls ree.ment, 7You"and our. mean'~'e~wecnrnes. L,'onvenie constitute accapl~nce o~ the t~m~ta~y~.~.o~s_e,hOl~j, a_.nd.c, hadt~Je pu ses, an onal Ba'~ or ts. assignees, as~l~(edon ourb'' parson for whom we h ............ ~ ~reemenL ~'ou aha we ~o~x~ not,for any business or commemlal Y iIIing statemept. The Accc gree as fo~o~ws, purpose. Any use of this Account s~ Payments. You will receive a monthly statement show n P~ ableataU,S, office of the benk · Your outstanding balance p , . . wl~ P.a, ymept instructions on ..... ~k.Js drawn_~n~gfoYr,at least the ~avrnent d[;~ ~a~y~e, nt on th~s A~ount Js r~u~red in U .c; ~,.,, / .... ado omar c , ~,,.,,.,. ,,,u.u,y sa[ement /he Da .......... ~ shown on our s ............ ,-necKs must affi/iat T'~,.ec..k..s.,._W? ,.SS,Ua to .¥.ou ma.y not be used t~ make nc[ °v~f.Y~r statements shows the rules wey IJn~.e2,t,~ the, payment, due da~e in a rd., bv ~ tJ~°.~'~,,,Y~!-e,n[ aue wi.~e: 2'~ of the new ~,,,.o ,;~,~7.;,:,:...z,.~ on Y. our ACCOUnt or to make r~ f'~°ll~°~d'.tL~'Lw.?-P.~°s[ payments. Convenie ~ccoe°cr~ c~eWh~ ~,,~tD~!,a. nc~,,ex~c .e~d, s your credit lin~.b~'~-i~~,,°~n,,y~r,s~tam .e,pt pi.us the amou~-o'f'~;'~a~ ~],~ .Omar account you .have wi[~CuesCo~ me "'- "'~ueW~.~etheamountofthe'ne , ,~ ~,,,,o.~uuew, no[ De less than -.,- td---~,ay~nent, andmaylncu pay. nt, b~'~wewllln · wbalance.~ our ' $15 unless ournew · theamo, appl,ed to futura oavm~°~ Y~gu- b,.e,fore doing so. (f your Paymer~t s ~Y,-,.., ,A.c. count ~_~ past ~ue or ,above ~e crec~t lin balance ,s I.e.. s_s tha~ld~l 5, ,n wh, our d ht to coil .... ~ ~. rye may ac,~. t lam or artial ....... ,an the pa ment due it ~Jll be trea e, .we may reqqlm a h gher r~inim( g ec'~ ~(f ~mounts owing un,er this AgreemeP~t payme~ts~orpaymen~marked*p~d~ful~"~tedmaar~s~?~`~e~`P~`a--ym-?~`n`ta`~ndn~ne~pf~twil~ · ' ,,,'-,, Finance Cha~ges Except as described in the Grace Period for P when it is inclu~:~in one of our dali bela , . umhase Balance section of ' The Purchase Balance whicYh co y ncesand, cpntmceunt that balance m thmAgmement.ficencecha es ' ,se,w~ces; one or thole Oust,',,'- ~[n-~s.~t~9-f your., e, xmting Pumhase Balanca o,-,- .r~_.u.c_e~ by a payment or. c~t Your Ac~a~,,-,* .-b~7- [n~ to, a,,ccrue o,n ,a d~ balances that we *,-=,',o.~.- .~;-'b~?.°2 ~uyj~nc, e ualances which con ' t~ nf h~'lr,u .=w urcnases yqu make wit~ .-..,~., .~= me [oflowing balance p_.ayment amount ~';-~'~d~ .~.Z'f, =no_ ~e ~;aah A~a~'ce Balan~sm''~ -' ~laoces t~t you transfer to our A~ur Ca[d and fees for ce~ln tion ~ercentage Rate (~[~¥"~ff,?~ ,~d-%~ ~ex,ceees the tlnance c~arces an,~hi~c.h,.c-°-ns~ts of.,~ll b,.ther cash advaYnces a~Un..t.~u~ln~ ~_lancp transfer che~st ar ualance.-We reserve ~ ' s zero, .a. ndthen ~'6 the Bala ' romanl be ap.tied first to . section fees. Ar e right t° apPlY payments ~ifferently without fu~t~crenwi.',tlh...the next lowest ,~,/FIR, un~ that Balan~~ Balance w~ the lowest Annu, ........... e m zero, and ~hen to any remainir The Purchase, Custom Cash A anco and Purchases are inc udad in ou~.d~ , Cash Advance Balances are reduc follows funds el ' umbese Balance as of the date ed by payments as of the date mc , p. resented to .. ~[~'?-nLca-- I~ ~nsmltted to other lenders ,.~,.~a.d~e:. Custom cash .,~dva, nces are ncl tarred, and by crud._its as of the date Automated T~i~' r."'".-~'~,ca.s,-n-a~.ances,are included in vourt~ ~, ~,~l..an.,c_~, as of.me cata transmittu~dpd~°.u,r_C,u__sto.m C. as,h Advance Be a~cSeto( uest la._, ,=o u~ mu ~a[e made; cash advan' a ......... u =alance as follows: ca h ed, ...~,o ~u ~ nsrer. ,l~..lances as o a p.r~u.~[,n~, ~as~_o~f .seven days after the date we bdnt nn th~e~,c,~h~k,s, ,r ,~,, da [~y,able to you th =,'~ rE-~,d?-,nces fro, n~ qthe~nanc,al mstJ C ....... ~ =n ~ovance o ._ .........,~.r.' all oEler C at ..,,,~ ~u=nu.uu as caS~leff8 ~u Advance ~'~lan ...... ~. [_~;ash ,AdvaQce Balance as of the ~ ~.t,,,,~tn~ .KS, as olthe date pr ,es, .e. nted to us. cOecks ~nd mad~ to yqu at advances. ~ ~=~'" uay eno ara then posted on the last ~ ~ b~i~na~ c~cClhe.argr~Se~er~sanod~gmt%~?m~.? 'd~aY~! .Pa. nU~Ca?i To fi ute the da finance cha for each ~ of Balance, we start with our previous da's Bal day 2n d mul amou §y the I,cable da,y nodic rate r ,owing pare Yhs anco a, debits a,d s® ct cred, ts t°andinclu~Yinthatday's~a~lance ~etreatac"~Yr~tl~lanceforan da as ~ ) The ~nance ch eforeech otb ' fPrthecurren cycleb addingt,ogethertheflnancecha es Y zero g~e ' ' a bb a~foranytr~nsaction foreachtypaofBaanceforee ... ~t~rmlnethetota~ll~a~ncech type ancemthenadda¢ .a~:~p~le dail,, .,.,a..,..~ _,_o.r paym,ent~at wou(d have affected th~ fin=,,.,C_~ ~y wlthLn ~e. brllkng cycle, in cal,..,=~,.,.,c,__a_rg_e_s ,on balancas for the billine mansection. ' ~.~.,--.,,,. ,=~u ,or sucn a transaction v~ll be the ~ ,n ~tC~oarr~eCacclu~-~°br~di~ ~c~rebimll~ge.c~'r an ~t~ ~m~nc~''~- P~ ?nnt~a°iuc.s~c~eentT~ -;,. . u~= rate In aDect on the data ~f the Your statement includes an avera=e ily balance for each of alance You can multi days.iq the billing .cycle and t e pa'ri~a'c rate to ob in subto ' ply ch av ' ' b the b, ll,ng cycle i f a ca s h a ~a n ce ira n se c liB n ~:~bee~s ch a rg ~,[Yl?es~hi~ !~,eoa u~ idsd alths% SaUl~ tnOatan ~t cO~aee~ee r to ~t~e~?rileYybaouip poct~l~ ~ ta ~cen Octh aZer~O~ yonthl~ The ter~ "Prime Rate" as us,~-~ ~ ,~- Increase or dec~ease in ~e amountd~o yoljrSen~Pn~%mA~P~rcentage Rate wil~ take e~e~t ~ne ~Weal~redeatd~,m_a..!.o~n.~e first ,busine, ss da of the o vious ~,,,,,=-~ .... ~, ,-,. yuu~ =urmg cycle ada may ~sult idaresiig-h-t You can arrange to have a variable rate for u paying on any of ur o P. rchases which i er . en r e ' · r/APR. YournewA~Rwll~a'l~e .Y Y ~ .rowdaproof, In the formofa (APR) you. Crc ~e =,-~-..~..~,.. ,-u,~= or , orlfwe .dg.. not .mc. eJve root ~I oorrevlew ofyourRroof' but no g ~Y~U~,nCganona~.~ntgo~al°~a'~ec a V~o%ahblaevA~, R [~r cus. tgm ca,s.h adva .qces that is lower than t ' ,,y ~noa,c rate ofO.04630% _ ii.dn ca. c,!ating we card. reta r and ns he we,ehted ave e of tha nq.,-m ucto =v~ ladle onl . . ,, ,.~,., =ccoun[ me . tallm t accounts r/APR ou have · . ~ ouprcvlda proof m ~'~ , ,",~s on me credit acco .prowded your om r accoun Y . been _w_Jl~_b9 v§na~, ~°~sed on Pnme ~to o...~ p_f,._cepj.eS 9)' y.o. ur ,m. est recent billina stet~nmt ib~r,e?-an-c~ you have .~a. nsfermd ~r~m o~U~nt~,~-e~-°pe-n-,~p J.a_nu_ary ~ ,u~ uu=tom cash advances will bo ~,. ~,,_~.._,,=w u~ yuur proo~', but not eedier The ANNUAL PERCENTAGE RATE for cash advances is 23.3%, corresponding to a daily periodic rate of 0.06384%. Imf a~m~i~ .~u~0A~c~ntr~I I~toe 2 qr.,more tim.es in. any 6-month neriod o ea , . max mum of 23.~0% (corm ndin g a qa.l!y pan. c rate 0.06384%) an~ ~ ch such urmnce we may~ncrease the meet.all other terms of ~,[ ~s~.~.~?.a. _da~ily pan~ rata of ~f.06384,~,~ ~.~. !.nE.r. _~_a.__se. thff.Aec~.R. ,for cash advance. =.,.~ ,.,,~PR for purc,hasec up to a your Account for a pessi~i~.~k~r~[i~°,r '~ consecutive months you 'r~k~;'c~'~°~ ,~r~,ej.v,e. ~e n~nffr rates Your P~-y~'n~'~'~s ~u~o.~.m ~,~,.s~ a.(~...e,nces up to .................. =~omer ~ervrce rtment'a~: d o ~'.~.,',~L'f. _o~_ pnc mff,,a nd you Grace Per od for Purchaee Balance. New Purchases posted to your Account in billing c ctas with no Previous balance or when the Previous balance was fully paid dudng the cycle, do not begin to incur a finance charge until the start of the nextY~illing cycle. You will pay no }inance charge on such new (Continued on reverse) (5846-0698) 4428472756229180 0730 451 z~ pu. mhases if you pay the tots new ba a,nce n. fq by the payment due .date sho .wn gp yqur statemen~ New p,urcheses posted in any other billing cycle a Tmacce charge, and them is no periDe in which such purchases may De repaio wimou[ incurring a tmacce charge. Fees .We ,may charge your Account $0 for; each .Card yo~ ask us, t,o,r, ap ace;. eacbretu.m.e.d paym.ant; et.cb c,he. ck you.w.,dt.e o.n your. Accqunt t.ha.t,.w.e rs u0paiu; each stop payment order or ranewa~ aT SUCh an oroer; eacn Di~ing cycle Within which your Account IS oelinquem (late cnargel; aha eacc pilling c within, which your .'.5,.alacce exceed.~ your,c, redit lice (ove, dimJt fee,), ev,,~n if. your.,~,o..c.ount is plose,d. If you,.request copie, s,of. billing s,tataments, that w.ere sent [o you mom man three man.re, s eanier, we may charge a nano~mg/ee ot:~z tar eecn SUCh copy. n you request ma[ we re.ese aa.. g.rLe:. ,b~rn...e .a.q~.o~ pay,,`m, en.t,,fmm.your pe.,rsonal .cb,ask. ng .acco, unt, we `ropy,charge your cre~i! ~rd Accoullt a f~ of $4,.95.,for each reguest. Th~s fee is a rlr~.,Nu,- CHA~, aha It W~ll apply regaro~ess o/wnamer tunas ara avoidance in your personal ODecKmg account to make [ne payment. fWnae may charge a transect on fee of 3% (re. in mum $5), wi~,ich i,s .a. ODe:..ti,me. FINANCE CHARG, E on thp am,oun, t of eeqh cash advance, including cash fl noial instif'utions, and ATMs, wire transmrs, money oroers, ~o[rery ticketS, casino gaming ccipa, anc~ similar transactions. Defau t Y,ou w be in detau t: if any nform~bon you provided us p. raves to be,inoo.mp!ete or untrue; if you do not comply with any part of this Agreem~ .upg.,n.yo.ur ODath, bankruptcy, or n.solvenoy; /.you '..do not pay o!her '.debts when gpo; it a ~nk .n.~.tcy. petition is fil..ffd by .or .a, gains`t you; ,or if w.e, be eve in. faith, mat you may not pay or ~norm yqur OD gallons gnDer mis Agreement. ~' you are ~n De/au~[ we may, w~mqut Turmer ODmano or notice, canoe y cr,~t pn.'.wle(jes., desists you. g A~count ,ha. lance ira.mediately, due a~d. g, aya. b.l~.A11d,, u,se a,ny r.,em_ej;ty, we _n~.ey nave. I,r~ the, .e.v. en.t of your default,. outs[a,n.c~g .~..~anoe on your AcoDunt shall conunue to accrue [nterest at me ~,~'~,s} (~sc~eae~ ~n me ~-~nacce unarges secaon at m~s Agreement, even have fileesuit to collect the amount you owe. ' Cre.,dit Line. ,Y. ODr credit ne s spec fi(~i from t me to t ,m.p, in a, sepa. rata npt ce,,Your mqn, thly s,ta, tements show your .c.,redit np a,n,d the a .m, qup of available,s`reolt. We may ccrease or Decrease your croci[ Jina qa.s~, on i.n, rorma, tion we OD[aineo tra,m you o.r your q,r6~i[ reoDros, your available cree~ `n~rmai~y[neoi~e~ren.cebetween`~yourcreditiineandyqu~`rA~c~s`ountDe~a~[~ce{`inciu~ing`tran~sec~!i~n~sma~os~ra~utn~`dzeeDu`tn~tyetp~``s!ed)~ If, you ~nd.u !,argo ..Bp, yment cnecK, we may m t your ava abl,e cra~it,wnile we c,onfirm mat th.q (~nec~( .w. i l c~ear, tar cenain ,transectio.ns., ava ioD~e cree tmay De e YOU Will not use your Account for, and we may rs/use to honor, any [ransectioD wnicn WoulO cause you to exceee your avahaDle credit, Promis. e to Pay. Yoq promise to pa.y us when due,alt amounts borro.wed when yqu o,r, so. mecne pisa use your .Ac,.coun! (gven. i[ the amount charg exceecs your permission), all other Eansections aha charges to your ACcount, ancl ~lection costs we incur inclu<3ing, out no[ rimited to, reasonar attorney's fees and court costs. (if you win the suit, we will pay your reasonable attorney s fees and court costs.) Cbt, niles. A_fi, er we pmv de you any not ce ,required by law, we ~ay oha~e any .paA qf this ,A. grae. m.ent and a.d.d o.r remoye, r,~u re,merits f ,a, ch, ang,e m, aDeto the r nanoe Charges section of th s Agreement, the new/inance charge c.a cu at on wi,' agp y to your entire ACcount De anco tram the enactJve at ~e cha, nge. C, ban. gas wdl apply to balances that include items posted to your ,~ccount berate me date of the change, and will apply whether or not y~ continue rouse me .~ccount. ,l=.o,[ei{In..Exchange/C,.urra ~cy (~9 nver~,i.,o n. If you ,u,,se your. C. ard fqr tran~cti.ons` in .a curm.ncy o~e[ ~a,n, U:S, dol(ars~ thp tra.n.sec, tions ~iJl be. coDveded u ~. OD~l.a.m, genera y us ng..e, met a {~) govemo~an[-ma.n. Qare~ r'ajte or { j wn~ ese e..q~a..~e[, mm n .e~e~..[ me oay berate me r-rA.11secrzon s processe in,creaseq, by ~ percent [,~) f a c .~.jt s. suoseclu~ay giv,e,n tpr a .,tons,ac. rio11, it will .be Dec~reas.ed,~y me same peroente~e me cu .r[enoy canverai¢ rate use~ on [ne conversion oata may differ tram the ram in e~ect on me ~e you usaa your ~aro, YOU agree to accept tile convertee amount in UJ dollars. t~he CaM; .CanDell.a, fio,n, You m.e,y cancel your,credit.l~rivil~es at any. tim~_ by. n.otifying us in w,ri,'.ting.,and,des[roying the, ,Card(.s), Upon the,~;ard e?qfirat o,n e eno o/me manta shown on it, we reserve q~e right not [o renew[ne ~aro. we may cancel [ne ~Jarq, aha your cre,,d, it privtleges at any time seer 30 (]ay notice tg yo.u., or w, jthou! qotic.e if perrp, i~ed,.by law,.3'.f y. qur Care ,is can,ce.i.I .edpr not ran,ow..~t, fina)lc~ cn,.argps.,and qthe[ fa.es r#ill conti~.ue to. be asse~e( payments will consnce to De oue, an<3 a ~ omar app icaDle prov~s~oDs m [nls Agraement w~ll roma n n ewect, t you term nato your cmo t priviie:gps, or / w cancel or do not renew the Card, you may no longer write checks on your Account, and you shoDId destroy any unused checks we have lesuee to you, Pers..onal In, forroafion; Dpcuments. You .will provi,de us .a! least lp...days,ngtJce i.f yqu, change you. r name. ho.m, e qr ,rn.a!ling, a,d~:tmss`, teiephor!e nurn~., ers em. plo, yrnan[ pr,, noome upon our raquest, you w~ prowDe us aoDtona~ nnanca~ mmrmaaon we reserve me ngnt ~o o~[an nrormat~on/ram o[ners in, c,[.uqlng c. redit repo~ng egenc ,es, an~l tp pro,v, de you. r a~Jress and. infprmatioD,~.bo, ut yoBr Acc.,o, un to ,,q!he,rs ,W,e may a so s`b,a, re nfo,rrn.ation with qu ,s.T)'llia. tes However, you may write to us at any time i, nsmJcting us not,to sna.re cmo t n:ror~, at~[on with.our a~T ales t you OD not tu t~ your obligations unoe tn s Agreement, a negative credit report that may rat~ect on your cmoit may De submitted to [ne credit reporting agencies, Customer Service; Unauthorized Use. Loss. or Theft of Checks or the Card, Each Cprd must be signed ,on receipt. You am re,sponsible s`afeg,.ua~ng the Card, your Persona/identification N~umber.{"PIN",. which provides acco ,ss to Au, qtomat,.~, Teller Uecnine.s).an.d any .checks issued to yo~, !rom [ne~, .and keeping yqur .P!N SOl, rata from yo.ur (-;ord.. nyou..diccover, or sB,spec[ that your ¥'a~ P, LN, o ~,~,ny~unuse~ cnacKs a.[e, qst or std, eh, gr [na tnt,m, m.~ ~ an up,,au[nodze<3 transept OD pn your ACCg, Um, YO..U wi I promp, oy n, gti~y us,, Dy ca~i~,,,.q,1 -~,u, u-~,l~-(,,'zt ;::;,O we can mmee ate y act to ~imit asses ano ~iab!!ity,. y.qu wil phone us even [nougn you may a so nofi[y us n writin~ YOU wi not be ladle/or una,u.[norizee use o~curTing befora you notify us of a Io~ ,or ~eft If. you report or we,,so,sp~t una~utho,nT. ,~ u. se o! your Accou,,n.t. we m.,ay,sus`pen~ ygur ,cra~, ~t privileges un, til we_ re. solve the pF3btem to our sau,s/acuq,n or ssue you a new L;erg Il' yo,ur uaro ~s ~os, t or stole[i, .you wi i prampay Des[roy a~ CnesKS In your possess oll /o reprove customer aah/ice ar~ sesun[y, you agree that your calls may De man tomo or recomeo. Merchant Relations. We will not be liable if any person or Automat.ed Teller Machine refuses,to honor the Card or accept your checks, or fa Is to tatum the, C~ar,d .to,you. ,.We, h,ave no ra,SL~,, ,nsibi!ity for. goDUs and sen/~ ,c'ps pum..qas`ed ,with th9 Car~..or cnecKs, except Os. ~q~ .red by j.a.w (See ~,j~ec a Rue below GA,rtalneanants mat,are ava aDewim[neAcsoun[araprowDeoDy[n~ro-partyvenoors, wearanot responslDeror[ne quality, availabill~,orrasultsotany at me services you cnoose to use. i,Sto, p Payment Orders If you wish to stop payment on ach. eck, ypu may send .us asto, p ~yment order by whting to us at our add .ross for oustomer serv!ce istedon.yours,[atemen.t, You,aah m. akeas`topp~,ym.e, ntorq~ro~Jly~.selling.me..numDer.listedon, ygurs`t~teme.,nt..Whqn you maxea, s.,toppayrqentprcler.~ you must prawee your Account number ant s.poc~[Ic. ~nm ,r[n.~aoq a~,ut [ne cneq,K: me. exact amount, me oate on me cnacK. [ne name o/~ne I:~..rtY to.w, oDm w,,es pay,able, the n. am.e o~,the p~, raon. who,s~gned,~t, an.d ,re.e, cnesk, oum..ber. ~,o,u will be as.ked,!o c.,onfirm .an o. ral stol~, pa .y.rnant o~er ~n wn~.ng, w.e m?y qlsraga.rd your ora, i oroer It we ~ not receive a signet wntzen com'!rmauon w~jnln, tw,e. wee~s attar [ne qral omar, or it we nave not receiveo an aoecluam oe,scnl~,tJon of. the !tern so thatpay~n,.an.t .c.¢[n ~ stop~o~;t. Th.p. ord`er w~l not b~ err~ct vef thp.chec.k was p~ .d by us 15.plata we ha.d a reasonable opportunity to ac[ on [ne order, we may, wi[nout ~iaoiii[y, disragara a whEen stop paymen[ oroer six man[ns after receipt unless it is renewee in writing. t~n, dard ~l~ Cam, 8ecau .sp..this ..Account inv. o. lves both c ,mdit card.and, cheqk_tra~,sq, ct/on.s. .which are processed ~.rough separetp nat ada systems before, .~ransec..tJons...ere OD11solinamo ay us, an(3 Decause, not ~ery C11ecK an(~ (JarQ slip will De sent to us. transactions i11 yo,Jr ACCOUnt: will be processeo mechani~(ly wi[no,qt our n. esessedly re¥i.e, wi~g eve_fy if;em., uqr p. roce .ssing s,ys~em .Wi(I call .o, ur .atten. tio.n to,c~.ain [to.ms wh ch we.,wil exam n,e W.~. wi .examine alt u'ansec[ ons wnan you _.r~oor~ [nat your [,;ara or ChecKS nave Dean lost or sro en we OD not n[ano ora nad y [o exam ne a I terns, aha we will not ~,e neglJge.nt if ,we .do,not do so .T,~s rule ea,t..ablishes the sta,.nd.e~ of, ordina, Q/ce.re wh ch. we. n go..,ocJ, fa th wi .ex. em se n adm n s erina your Account uecause aT our ~imitee revieE, an(~ because neimer your cecceseo ChecKS nor (Jam ~aneaction slips wi~ De returned to you with the monthly'statement, you should be ,c, arefu, l, to enter a? c.hec.ks n your ch.eck registar, or othe .~se keap a .record of th, pm You sbo,u ,d a ,so save your credit card cash advance and pumnase s~ipa, You agree to apaCE your monthly statamen[s against your recoro and to notify us immeoia[e~y at any unauthorized transactions or errors. Waiver of Certa/n Rights We mav deay or wave enfomemant of any prevsioD of this Agreement wthout osng our dght to anfqme it or any other provis)on later, Yqu w~Jve: .the dgh,f, to prese,n ,t[nant, d~(nand., pmtas[, or notice of dishonor, any app cab e statute of m t~tioDs; an(~ any dght you may nave to require us to proceec against anyoneDetore we n~e suit against you. Applicable Law; Severebility; Aseignment, No matter where you live, this Agreement and your Account are governed by faderal law and by New PROVIDIAN Financial Hampshir~ `a,w, This Agreement is.a final exp. re. ss ot~ of, the agra., amen[ ~twee. n, you and .us and,pay nqt b,q cgntredicted by.,eyid, qnce o,f any al)eg~ agreemen, t any pmv s on of th s Agreement is nald to De inva,a or unentomeaole, you ano we wilt consider mat provision modit~ea o comorm o app c aw `a,rl, d the res,[ of the prey s cna, n ,the, Agree ,merit wilt stil,be enfomee.ble. A any time after we dqtqrrn n,e n good, faith, ~at any p, ropos, e.d or ena ~eg s ation, re,qu a on/action, or juo c a aec s on nas r~nDeree or may reneer any material provisions or [,n s Agreement invario,,or unentomeao e, or any increased[ax reporting requirement or other buraen in connection with any such provision or its enrorcament, we may at[er at least 30 days no[it you, qr w thou not ce f perm [ted by aw, c,ance, the Card, qnd yqur,C,,red t priyi ages, We may transfer or assign our d. ght !o a,I or, s, ome g.f your pa ,yFtfml s~e !aw re.qu, r~ that you reca ye not ce et SUCh an event to protect me purchaser or assignee, we may g ye you SUCh notice Dy ting a financing staten wire the state s ~eotet~, of State. Nofic,e,s. Other n,otices to you shall be e,ffe.ctive w. he,n dego. s, itqd j.n the mail addm..ssed,to you `at the ,ad,d.r.ess shgw,n,on our r.~. ords, unles.s a onger no pa[ice is specif een th s A~greement or Dy law wnJcn pg/ioe sna, start upon mallthg. Ncoce to us sna, De ma/lea to our aaa[ess for customer service your ara[amen (or other aaaressee we may specify) and shall be effective when we receive it. Yo~JE BILLING RIGl.rr$.. KEEP TFIIS NOTICE FOR FUTURE IJSE. This notice contains important information about your rights and our responsibilities under the Credit Billing Act. ~(~tify .Us in Case of E ,r~o~ or, Question,s,Abo~t,Yqur ~ill.~ I.f.. you,,think your bill is wrong qr if, y.qu n, ee, d more information a.b. qut a. .n,v transaction,on y< bill, vi#re us on a separate sneer, at the ao(~res$ //ama in me Billihg Rigms ~umma/y on your oill. W#re re us as soon as possible. ~/e must hear from ~!o,/,ata,r than 6.0.days. after We ~e.n.t you .th{) first.bill on ,~'~ich the eft'or, o.r problem appeared_,_ Yo.u,,can tatapbon, e,, us, but ~in.g so will rt,,et pr.q~,.rye y( ngnts. In your letter, g~ve us me t'OllOwlng Intot,manon: - )',our name aha Accgunt cumber. -/ne collar amount et [ne susp~tee error. - L~escnDe toe er and explain, if you can why you believe mere Is an error, If you need more information, describe the item you are not sure about, ~yo.u h~ye authoriz~ us tq ,~.y your.credit, car~.bill a.uto .mafioal!y frqm.your..chec~ing ac. count, yo,u .can .stop, !he. payment on,any amount you think is wror o stq:) me payment, your ~etter must reach us three Ouslness aays Demre me automatic payment ~s scneoulea [o occur, Your Ri~71~s and Our Rasoonsibilitias After We Receive Your W~iffeo Notice. We must acknowieq~je your letter within 30 days, unless we ha~ ccrrec! .e.e.e.e.d t~e e,~.r I~y then. Within 90 days..we must e/tt~er correct, t.h.e error, or..qxplain why,we ~li ,e~.e` the ~lll ,was co.test: After we ..race.ye y0~.r le,t)~r, cannot try to collect any amount you question or report you as DellndUec[. Yve can continue to Dill yOU )'or me amount ~/ou question. ~ncl~JdJng rinan~ charg,q.s, ,aDd ,we.c. an app.!y any.un~id am, .o,.u.n,t qgalnst y,our creW.([ line. You do not ha~ to pay any questioned amount wh,e we are investigating, but y( are stlt~ ~llgatea [o pay me parzs et your Dill mat are not m quesuon, If we find.that we made a mistake on your .bill, you will no! have. to pay, any finan.ce charge related to any questioned amount, If we didn't make a mjstak~ y.ou, may .nay,e, to pay f n, ance charges...,ana,ypu,.wil! .,h.ave. to m.,aKe u@ ,.rap mis ..s~.~a paymeffts o,n. th.e quesfionee amount n. e [her ca,s .e~ we wi.'Jl .senc~ you s[aremem et me amoun you owe ana [ne aate mat it is aue. ir you/a ~ to,gay me amount we m nK you owe, we may .~pp,. r~ you as De nquem However, our e..xplanation does not satisfy you and you write to .us within 10 days fa.lng u.s th.at you still m..fuse to pay. we must te!l a,.ny~ne we r.qpo,rt yo,u to that.ye .question your bill. And, we must[all you the name at e.nyone we .re, ported you .[[o, we must tal~ anyone .we repo, rt you t9 mat !hq ma~er nas eeen same I:ietween us when it finally is. If we ddn't follow these roles, we can t collect the t~rst $50 of the questione~ amount, even it your oil~ was correct. ~PvaC~a,I R3!le for .C,~.,,i(Card Pu.~..hase~... If yo~,ha..ve a pro.blerp with the quail.fy of ~e prop.arty or services that yot~ purch.a, sed wit.h our cred t ca~.and e mea In gooa ~a h to correct me problem wi n [ne merenant, you may not nave to pay me rema ning amount aue on me,gooas or services, mere ar~ two, im ratio, ns on this rf(~ht: (a) you must have m, .ada ~e pumhase.jn yd~u,_r~ho_,me ara!e, .ertl not.wi[hi0 your hgme state wimin .100.. miles o.f ye.ur cu0'en mahthg aaa[ess; and (b)-the Rurcnase pdce must nave Dean more than ,~Du i nese I re[rations ac not apply it we own or operate me memnant, or it mailea you the advertisement for the properly or services. Z561 SHERIFF'S CASE NO: 2001-02293 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PROVIDIAN NATIONAL BANK VS YARNEVICH KEVIN M RETURN - REGULAR CPL. MICHAEL BARRICK Cun~erland County, Pennsylvania, says, the within COMPLAINT & NOTICE YARNEVICH KEVIN M DEFENDANT , at at 333 CHARLES ROAD MECHTLNICSBURG, PA 17055 KEVIN YARNEVICH a true and attested Sheriff or Deputy Sheriff of who being duly sworn according to law, was served upon 0017:06 HOURS, on the 30th day of April by handing to copy of COMPLAINT & NOTICE the , 2001 together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 18 Service 6 Affidavit Surcharge 10 34 00 82 00 00 00 82 Sworn and Subscribed to before me this .~r~ day of ~ l~C~ ~ ~0~/ A.D. So Answers: R: Thomas Kline o5/01/2001 PARK LAW ASSOCIATES PROVIDIAN NATIONAL BANK, KEVIN M. YARNEVICH, Plaintiff Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLkND COUNTY, PENNSYLVANIA No. 01-2293 Civil NOTICE TO PLEAD TO: Plaintiff, Providian National Bank and its attorney, Valerie Rosenbluth Park You are hereby notified to file a written response Defendants' enclosed new matter within 20 days from service hereof or a judgment may be entered against you. to Dated: By: Respectfully submitted, KEEFER WOOD ALLEN & R3~HAL, LLP I.D. No. 32147 210 Walnut Street P. O. Box 11963 Harrisburg, PA 17108-1963 (717) 255-8014 ATTORNEYS FOR DEFENDANT PROVIDIAN NATIONAL BANK, KEVIN M. YARNEVICH, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff : Defendant : No. 01-2293 Civil ANSWER TO COMPLAI~T WITH NEW MATTER 1-2. Admitted. 3-7. Denied. The alleged agreement speaks for itself, and to the extent plaintiff's allegation deviates from the written terms of Exhibit A, such allegations are specifically denied. After reasonable investigation, defendant is without knowledge or information sufficient to form a belief as to the truth of any remaining factual allegations. Accordingly, such allegations are deemed to be denied and strict proof thereof is demanded. W~EREFORE, defendant requests that the complaint be dismissed with prejudice, and with all costs taxed against plaintiff. COUNT I (sic) - ALTERI~ATIVE Plaintiff incorporates by reference herein paragraphs 1 through 7 above. 9-12. Admitted in part; denied in part. The stated paragraphs contain allegations to which no responsive pleading is required. To the extent a responsive pleading is required, plaintiff admits that he received certain benefits from plaintiff; plaintiff denies that he received the benefits claimed by plaintiff, demands an accounting of such benefits, and demands as may be required by governing state and requests that the complaint be and with all costs taxed against such further proof federal law. WHEREFORE, defendant dismissed with prejudice, plaintiff. NEW MATTER 13. Pursuant to the Fair Debt Collection Practices Act, defendant disputes the validity of the debt alleged in the complaint. 2 14. Pennsylvania law, including Act Collection Practices Act. 15. Defendant defends the complaint based on such other reasons as will become apparent during discovery or at trial. WHEREFORE, defendant requests that the complaint be dismissed with prejudice, and with all costs taxed against plaintiff. Plaintiff has failed to comply with governing 6, Act 91, and/or the Fair Debt Respectfully submitted, KEEFER WOOD ALLEN & RAHAL, LLP ~__.~'r a d f~d Dorrance I.D. No. 32147 210 Walnut Street P. O. Box 11963 Harrisburg, PA 17108-1963 (717) 255-8014 ATTORNEYS FOR DEFENDANTS VERIFICATION I, Kevin M. Yarnevich, hereby verifies and states that: have personal 2. I am the plaintiff in the foregoing pleading and knowledge of the matters set forth therein. The facts contained in the foregoing answer are true and correct to the best of our knowledge, information and belief. 3. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. §4904, relating to unsworn falsification to authorities. Kevin M./~arnevich CERTIFICATE OF SERVICE I HEREBY CERTIFY that I am this day serving true and correct copies of the foregoing document upon the person(s) and in the manner indicated below: First-Class Mail, Postace Prepaid Addressed as Follows: Valerie Rosenbluth Park, Esquire PARK LAW ASSOCIATES, P.C. 25 E. State Street P. O. Box 1779 Doylestown, PA 18901 ord Dorrance VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 E. State Street Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF IN THE COURT OF COMMON PLEAS OF CUMBERLAND, PENNSYLVANIA PROVIDIAN NATIONAL BANK Plaintiff VS. KEVIN M YARiqEVICH Defendant NO. 01-2293CIVIL SUGGESTION OF BANKRUPTCY TO THE PROTHONOTARY: Kindly note that it has been suggested that the Defendant in the above-captioned matter has filed a Petition for Bankruptcy in the United States Bankruptcy Court, and thus this case must be stayed, Respectfully submitted, XN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CI'VZL ACTION - LAW WILLIAM S. GO'I-FL[EB, Plaintiff, MICHELLE ANNE SHP, ZVER and ANNETTE DUNN, Defendants. No. 01-2393 Civil Term PRAECIPE TO SETTLE, DISCONTINUE, AND END FILED ON BEHALF OF: William S. Gottlieb, Plaintiff COUNSEL OF RECORD FOR THIS PARTY: Scott O. Meats, Jr. PA ID No. 78843 Mears, Smith, Houser & Boyle, P.C. 127 North Main Street Greensburg, PA 15601 (724) 832-8700 THE COURT OF COHIqON PLEAS OF CUMBERLAND COUNTY, PA C1V~L ACTZON - LAW WILLIAM S. GOTTLIEB, Plaintiff, MICHELLE ANNE SHRIVER and ANNEI-FE DUNN, Defendants. No. 01-2393 Civil Term PRAECZPE TO SETTLE, DZSCONT/NUE AND END TO THE PROTHONOTARY: Please mark the docket in the above-captioned case as "settled, discontinued and ended." HEARS, SMITH, HOUSER & BOYLE, P.C~ SWORN to and subscribed before me this 2 ~ day of ,-<~/~gr~,r- , 2001. NOTARY PUBLIC MY COMMISSION EXPIRES: Tamara L, W~itehead, Not~y Public Gmensburg, We~momlalM Cot~l~ My Commission E~BS May 18, 2~O2