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HomeMy WebLinkAbout11-4570SKLAR - MARKIND By: Andrew Sklar I.D. No. 65332 102 Browning Lane Building B, Suite 1 Cherry Hill, NJ 08003 File No.: A1001277 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW AMERICAN EXPRESS CENTURION BANK Plaintiff vs. KENNETH A.SHOLLEY Defendant No. 11,qS-76 &' l c7 ra CIVIL ACTION 3 • s ..,c t? rv cn NOTICE p"n 3 You have been sued in court. If you wish to defend against the claims set forth in the following y0eni take action within twenty (20) days after this complaint and notice are served, by entering a written ap w personally or by attorney and filing in writing with the court your defenses or objections to the claims s4form ag you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. cn? -Orn =d 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 32 South Bedford Street Carlisle, PA 17013 Telephone: 717-249-3166 AVISO Le ban demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientas, usted tiene veinte (2) dias de plazo al partir de la fecha de la demanda y la notificaion. Hace falta asentar una comparencia escrita o en persona o con un abogado y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra sya sin previo aviso o notificaion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisions de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL A LA OFICINA CUY A DIRECION SE ENCUENTRA ESCRITA ABAJO PARA AVERGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 Telephone: 717-249-3166 OLIW 3,9'a co Pd airy 't k1? 13SIS f1 V#-02S9-1I Co . +r Lloyd S. Markind, Esquire (ID#52507) Andrew Sklar, Esquire (ID#65332) Francis J. Skinner, Esquire (ID#80562) Sklar - Markind 102 Browning Ln, Bldg B, Ste 1 Cherry Hill NJ 08003 856/616-8710 Attorneys for Plaintiff FILE NO.: A1001277 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW AMERICAN EXPRESS CENTURION BANK I 102 BROWNING LN BLDG B-1 I No. CHERRY HILL, NJ 08003 I Plaintiff(s) I CIVIL ACTION V. COMPLAINT KENNETH A. SHOLLEY 2901 SOCIETY HILL DRIVE CAMP HILL PA 17011 I Defendant(s) Parties, Jurisdiction and Venue Plaintiff is AMERICAN EXPRESS CENTURION BANK , a corporation engaged in the business of providing consumer credit. Defendant is KENNETH A. SHOLLEY ("SHOLLEY"), an adult individual, currently residing at 2901 SOCIETY HILL DRIVE, CAMP HILL PA 17011. 3. Plaintiff provided a credit card account to Defendant SHOLLEY for which Defendant is currently indebted to Plaintiff in the amount of $4,571.09. 4. Jurisdiction and venue are proper in this matter. Count I (Breach of Contract) Plaintiff incorporates the allegations of Paragraphs 1-4 as though fully set forth at length. 6. Plaintiff provided credit to Defendant SHOLLEY (by way of an American Express credit card) at Defendant's specific request pursuant to the terms of a written Card Member Agreement (the "Card Agreement"). A true copy of the Card Agreement is attached hereto as Exhibit "A". Defendant agreed to pay for the charges incurred on this credit card as they were billed by Plaintiff. Defendant is currently in default under the terms of the Agreement with Plaintiff by, without limitation, failing to make payment pursuant to the terms of the Card Agreement. At the time of default, Defendant was and remains indebted to Plaintiff in the amount of $4,571.09 as reflected on the statements of account attached hereto and marked Exhibit "B" (the "Statements"). The substance of the Statements includes, without limitation, any and all charges, credits and payments relating to Defendant's account which were kept in the ordinary course of business and summarized as the "previous balance" on the oldest available of the Statements. (Statements for prior months dates are unavailable due to the policy of Plaintiff which requires the purging of such records older than two [2] years.) 10. Although demand has been made upon Defendant for payment of the balance of $4,571.09, Defendant has failed and refuses to pay same. WHEREFORE, Plaintiff demands judgment against the Defendant in the amount of $4,571.09 together with interest and costs of this action. Count II (Account Stated) 11. Plaintiff incorporates the allegations of paragraphs 1-10 as though fully set forth at length. 12. Plaintiff provided credit to Defendant (by way of an American Express credit card) at Defendant's specific request on an account stated. 13. Defendant agreed to pay for the charges incurred on this credit card as they were billed by Plaintiff. ... 14. At the time of default, Defendant was and remains indebted to Plaintiff in the amount of $4,571.09 as reflected on the statements of account attached hereto and marked Exhibit "B" (the "Statements"). The substance of the Statements includes, without limitation, any and all charges, credits and payments relating to Defendant's account which were kept in the ordinary course of business and summarized as the "previous balance" on the oldest available of the Statements. (Statements for prior months dates are unavailable due to the policy of Plaintiff which requires the purging of such records older than two [2] years.) 15. At the time of default, Defendant was and remains indebted to Plaintiff on an account stated in the amount of $4,571.09 as reflected on the statements of account. 16. Although demand has been made upon Defendant for payment of the balance of $4,571.09, Defendant has failed and refuses to pay same. WHEREFORE, Plaintiff demands judgment against the Defendant in the amount of $4,571.09, together with interest and costs of this action. Date: JAI V_ SKL RKIND GLloyd S. Markind, Esquire Andrew Sklar, Esquire Francis J. Skinner, Esquire Attorney for Plaintiff(s) 102 Browning Ln, Bldg B, Ste 1 Cherry Hill NJ 08003 856/616-8710 VERIFICATION I, Andrew Sklar, Esquire, of the law firm of Sklar-Markind, hereby state and verify that my firm is counsel for Plaintiff in this action; that we have reviewed certain documents and/or other records provided to us by Plaintiff (which is located outside the jurisdiction) for the filing of a Complaint in this action; that a substitute Verification executed by an officer or other employee of Plaintiff will be filed as soon as same is received; and that the Complaint filed herewith is true and correct to the best of my knowledge, information and belief. The undersigned understands that the statements made therein are made subject to the penalties of 18 Pa. C.S. § 4904 relating to unsworn falsification to authorities. Dated: Andrew Sklar, Esquire Attorney for Plaintiff File No.: A1001277 EXHIBIT "A'' __r t w ti FDR 974934 Welcome to American Express Cardmembership This document and the accompanying supplement(s) constitute your Agreement. Please read and keep this Agreement. Abide by its terms. When you keep, sign or use the Card issued to you (including any renewal or replacement Cards), or you use the account associated with this Agreement (your Account"), you agree to the terms of this Agreement. The words "you, "your" and "yours" mean the person who applied for the Account and the person to whom we address billing statements, as well as any person who agrees to be liable on the Account. The "Basic Cardmember" is the person who opened the Account. At your request, we may also issue a Card on your Account to another person (an `Additional Cardmember"). The term "Card" refers to the American Express" Card issued to you, all other Cards issued on your Account, and any other device (such as Account numbers and convenience checks) with which you may access your Account. "We, "our" and "us" refer to American Express Centurion Bank, the issuer of your Account. Using the Card You may use the Card to obtain goods and services from any person who accepts the Card ("Purchase(s)"). You may also use the Card to obtain loans ("Cash Advance(s)") through various means we may make available (e.g., ATM machines) up to the applicable limits on your Account. At our discretion, we may permit you to transfer balances from other accounts to your Account ("Balance Transfer(s)"). At our discretion, we may issue convenience checks that you can use to access your Account. Each convenience check may be used only by you. You may not use convenience checks to pay any amount you owe under this Agreement or to pay any other account you have with us or our affiliates. Transactions you make in response to promotional offers from us will be subject to the terms of the promotion and this Agreement. All amounts charged to your Account, including Purchases, Cash Advances, Balance Transfers, convenience checks, annual fee(s), if any, any amounts guaranteed by use of the Card, other fees, and any Finance Charges, are "Charges." A convenience check that we identify as having been made payable to cash, to you, or to a bank, brokerage or similar asset account will be treated as a Cash Advance. Any other convenience check and/or a Balance Transfer will be treated as a Purchase, except as otherwise noted. Ifyou make a Purchase or a Balance Transfer, or use a convenience check, that is governed by a promotional offer from us, the Charge will be included in a Promotional Balance, unless we notify you otherwise. You agree not to let any person use a Card except a Cardmember whose name is on it. You agree to notify us if the Card is lost or stolen, or you suspect that it is being used without your permission. You agree to use the Account only for Purchases, Cash Advances, or Balance Transfers that are lawful and are permitted under this Agreement. We may issue you renewal or replacement Cards before a previously issued Card expires. If you or an Additional Cardmember authorize a third party to bill Charges on a recurring basis to your Account ("Recurring Charge(s)"), we may (but are not required to) provide such third party with your current Account status, Card number and/or expiration date to permit that third party to continue billing your Account. We may take such steps even if your account number changes or if we issue a renewal or replacement Card to you or an Additional Cardmember. To withdraw authorization for a Recurring Charge, you must notify the third party. ExpressPay The Card may be equipped with the ExpressPay feature ("ExpressPay'), which enables you to make Charges without having the Card swiped or imprinted at a participating merchant. ExpressPay uses a computer chip that is built into the Card and transfers encrypted payment information wirelessly when you hold the Card to a contactless reader. Charges made with ExpressPay are as secure as other Charges you make with the Card. FxpressPay generates a unique cryptogram to further protect your account from fraudulent transactions. if you notify us that the Card is lost, stolen or has been fraudulently used, the Card and the ExpressPay feature will be deactivated and another may be reissued. You agree to use ExpressPay only in accordance with our instructions, and you agree not to attempt to get cash with ExpressPay from any source. You may cancel the ExpressPay feature on the Card or any Additional Card at arty time upon notice to us by calling the number on the back of the Card. Annual Fee There is no annual fee for this Account. Credit Line A portion of your credit line maybe available to you for Cash Advances up to your Cash Advance limit. We may, at any time and in our sole discretion, increase and/or decrease your credit line and Cash Advance limit. We may limit Charges at an automated teller machine C ATM") to the lesser of (i) a total of $1,000 in any seven-day period, or (ii) the remaining amount of the Cash Advance limit on your Account; and we may impose additional limits at our sole discretion (in addition to any limits imposed by the ATM's owner). Your billing statements mill show your credit line and Cash Advance limit and the unused portions of such line and limit as of the statement date. You agree to manage your Account so that your balance for Cash Advances (including fees and Finance Charges) will not exceed the Cash Advance limit and your overall balance (including fees and Finance Charges) will not exceed your credit line. You agree to pay us, immediately upon request, the amount of any balance on your Account in excess of any applicable credit line or limit. We reserve the right to decline any attempted Charge, even if the Charge would not cause you to exceed your credit line or limit. We are not responsible for any losses or other consequences if a transaction on your Account is not approved for any reason, even if you have sufficient credit available. Except as otherwise required by applicable law, we will not be responsible if any merchant refuses to honor the Card or for any other problem you may have with a merchant. Promise to Pay You promise to pay all Charges, including Charges incurred by Additional Cardmembers, on your Account. This promise includes any Charge for which you or an Additional Cardmember indicated an intent to incur the Charge, even if you or the Additional Cardmember have not signed a charge form or presented the Card. You also promise to pay any Charge incurred by anyone that you or an Additional Cardmember let use the Card, even though you have agreed not to let anyone else use the Card. Status of and Responsibility for Additional Cardmembers Additional Cardmembers do not have accounts with us. Instead, they are authorized users on your Account, and the Cards issued to them may be cancelled by you or us at any time. You must notify us to revoke an Additional Cardmembers permission to use your Account. You are responsible under this Agreement for all use of your Account by the Additional Cardmembers, and by anyone else you or an Additional Cardmember lets use the Card, and the Charges they incur will be billed to you. You have this responsibility even if you did not intend for an Additional Cardmember, or other person, to use the Card for any transactions. An Additional Cardmember is not liable for Charges incurred by the Basic Cardmember or by other Additional Cardmembers. However, by each use of the Additional Card to incur Charges, the Additional Cardmember indicates his or her agreement to pay us for the Charge if you fail to or refuse to pay it, and we may, at our discretion, pursue Additional Cardmembers for payment of Charges they incur or authorize. You authorize us to provide Account information to Additional Cardmembers and to discuss the Account with them. You agree to notify each Additional Cardmember, at the time he or she becomes an Additional Cardmember, that we may receive, record, exchange and use information about him or her in the same manner we do with information about you, as described below in the Consumer Reports, Telephone Communications, and Suspension' Cancellation sections of this Agreement. You agree to notify each Additional CD 25454 (07/09) Cardmember that Additional Cardmembers are subject to all applicable provisions of this Agreement. Billing Statements You must notify us immediately of any change in the mailing or e-mail address to which we send billing statements or notices that a billing statement has been posted ("Billing Address"). If you wish a Billing Address change to apply to more than one account you maintain with us, you must tell us. You agree that we may also update your Billing Address ifwe receive information that your Billing Address has changed or is incorrect. The "New Balance" appears on your billing statement. To determine the New Balance, we begin with the outstanding balance on your Account at the beginning of each billing period, called the 'Previous Balance" on the billing statement. We add any Charges, subtract any credits or payments credited as of that billing period, and make other applicable adjustments. Minimum Amount Due Each billing statement will reflect a Minimum Amount Due. Payment is due by the time and date shown and in the manner prescribed on the statement. The Minimum Amount Due will not exceed the New Balance. You may pay more than the Minimum Amount Due, up to the entire outstanding balance, at any time. To calculate the Minimum Amount Due, we add together the following amounts, round the result to the nearest whole dollar, and then add any amount past due: (1) the greatest of (a) 2% of the New Balance (excluding from the New Balance any any late fees or over-limit fees); (b) the lesser of.. (i) current billed Finance Charges plus 1 % of the New Balance (excluding from the New Balance any late fees or over-limit fees and finance charges), or (ii) 4% of the New Balance; or (c) $15; (2) any over-limit fees added during the billing period; and (3) any late fees added during the billing period. Adjusted Minimum Amount Due Summary: If you consistently pay more than die Minimum Amount Due outlined above, we may calculate your minimum payment without any late fees or the additional I% of the balance referenced in (1)(b)(i). if we do this, and finance charges are more than 2% of the balance, we may add $15 to your minimum payment. I-or information about how this works, read the detailed description below. Detailed Description: We may adjust the outlined calculation above by removing the late fees in (3) and "plus I % of the New Balance" in (1)(b)(i). In the adjusted calculation, we will exclude only the river-limit fees from the New Balance in (1)(a). After the adjustment, if (1) is equal to the current billed Finance Charges, we will increase your Minimum Amount Due by $15. We will apply the adjusted calculation to your Account if the sum of your payments (credited to your Account in the six consecutive billing periods ending with the Closing Date of the current billing period) is greater than the sum of the Minimum Amounts Due (for the six consecutive billing periods ending with the Closing Date of the previous billing period, not using the adjusted calculation and including the amount past due in only the first of those six periods); the sum of the Minimum Amounts Due is equal to the sum of your payments and it is less than or equal to $90; the sum of the Minimum Amounts Due is zero and we used the adjusted calculation in the last billing period when your Minimum Amount Due was not zero; or if we adjust your Minimum Amount Due, we will do so for at least six billing periods, acrd if we stop adjusting your Minimum Amount Due, we will not adjust it again for at least six billing periods, regardless of your payment history. Payments All payments must be sent to the payment address shower on your billing statement and must include the remittance coupon from your billing statement. You must pay us in U.S. currency, with a single draft or check drawn on a U.S. bank and payable in U.S. dollars, or with a negotiable instrument payable in U.S. dollars and clearable through the U.S. banking system, or through an electronic payment method clearable through the U.S. banking system. Your Account number must be included on or with all payments. If we decide to accept a payment made in a foreign currency, you authorize us to choose a conversion rate that is acceptable to us to convert your remittance into U.S. currency, unless a particular rate is required by law. Payments conforming to the above requirements that we receive no later than the hour specified on your billing statement will be credited to your Account as of the day received; payments conforming to the above requirements that we receive after the hour specified on your billing statement will be credited to your Account as of the following day. If payment does not conform to the requirements stated above, crediting maybe delayed. If this happens, additional Charges may be imposed. We may accept late payments, partial payments or any payments marked as being payment in full or as being settlement of any dispute without losing any of our rights tinder this Agreement or under the law. Our accep- tance of any such payments does not mean we agree to change this Agreement in any way. You agree that an acceptance of such payments will not operate as an accord and satisfaction without our prior express written approval. Subject to applicable law, we will apply and allocate payments and credits among balances and Charges on your Account in anv order and manner determined by us in our sole discretion. In most cases, we will apply and allocate payments first to balances at lower Annual Percentage Rates ( APRs") and then to higher APR balances, and apply Purchase credits first to the balance from which the corresponding debit originated. However, for servicing, administrative, systems or other business reasons, we may apply and allocate payments and credits among balances and to Charges on your Account in some other order or manner that we may determine in our sole discretion. You agree that we have the unconditional right to exercise this discretion in a way that is most favorable or convenient to us. Authorization for Electronic Debit to Your Checking Account When you provide a check as payment, you authorize us to use information from your check to make an electronic fund transfer from your account or to process the payment as a check transaction. If we process your check electronically, funds may be withdrawn from your bank or asset account as soon as the same day we receive your check. Also, if we process your check electronically, you will not receive that cancelled check with your bank or asset account statement. Finance Charges A. Finance Charges begin to accrue for each Charge as of the date the Charge is added to the daily balance, as described below. If payment in full for any New Balance shown on the statement for a billing period is credited to your Account by the Payment Due Date shown on that statement, then Finance Charges will not accrue for Purchases from the date on which payment in full of that New Balance is credited to your Account until the end of die billing period in which such payment is credited to your Account. In addition, Finance Charges will not accrue for Purchases during a billing period if (a) the Previous Balance shown on the billing statement for that billing period is zero or a credit balance, or (b) payment in full for the Nmv Balance, if any, shown on the statements covering the two immediately preceding billing periods is credited to your Account by die respective Payment Due Dates shown on those statements. For purposes of this paragraph, Purchases do not include BalanceTransfers or convenience checks. B. The Daily Periodic Rate ("DPR") for Purchases and the DPR for Cash Advances are each based on an APR, which may vary. The APR for Cash Advances is the Prime Rate plus 17.99%. A DPR is 11365th of the APR. Your DPRs and APRs for Purchases appear on the accompanying supplement(s). When an APR changes, we apply it to any existing balance subject to that rate. C. Notwithstanding the foregoing, unless a higher rate applies, the APR for all balances except Cash Advances will be equal to Prime plus 14.99% it during any Review Period any portion of any Minimum Amount Due is not credited to your Account by its Payment Due Date. The "Review Period" is the period, constituting approximately one year, of twelve consecutive billing periods ending with the Closing Date of the current billing period, whether or not you received a statement for each such billing period. D. Notwithstanding the foregoing, the DPR (and corresponding APR) on all balances will increase to the Default Rate if during the Review Period (i) payment of your Minimum Amount Due is not credited to your Account by the Payment Due Date in any two billing periods, (ii) a payment on your Account is not honored by your bank or other financial institution, or (iii) you exceed any designated credit limit on your Account three or more times. The "Review Period" is the period, constituting approximately one year, of twelve consecutive billing periods ending with the Closing Date of the current billing period, whether or not you received a statement for each such billing period. If the Default Rate is applied, it will apply to your Account for a minimum of twelve consecutive billing periods, beginning with the current billing period. The Default Rate is a DPR which corresponds to an APR equal to the Prime Rate plus 23.99%. E. The "Prime Rate' is determined once with respect to each billing period. The Prime Rate for each billing period is die Prime Rate published in the Money Rates section (or successor section) of The Wall Street Journal on (a) the first day of that billing period or (b) the day that is two days prior to the Closing Date of that billing period, whichever is higher. In each case, if such a day is not a customary publication day for The Wall Street journal, we will substitute the closest preceding day that. is a customary publication day. If The Wall Street Journal ceases or suspends publication, we may refer to the Prime Rate published in any other newspaper of general circulation in New York, New York, or we may substitute a similar reference rate at our sole discretion. Any increase or decrease to an APR resulting from a change in the Prime Rate takes effect as of the first day of the billing period. An increase in the Prime Rate means that the variable APRs (and corresponding DPRs) applicable to your Account will increase and you may incur higher Finance Charges and may have a higher Minimum Amount Due. Average Daily BalanceMethod for Calculation of Finance Charges We use the Average Daily Balance method to calculate Finance Charges on your Account. Under this method, we calculate the Finance Charges on your Account by applying the DPR to the Average Daily Balance (as described below) separately for each balance subject to Finance Charges. Different periodic rates may he used for different balances. For example, different DPRs may be applied to separate balances, such as Purchase, Cash Advance, and Promotional Balances. To get the Average Daily Balance for each balance, we (1) take the beginning balance for each day (including unpaid Finance Charges from previous billing periods), (2) add any new transactions, debits, or fees, (3) subtract any payments or credits credited as of that day, and (4) make any appropriate adjustments. For each day after the first day q/ the billing period, we also add an amount of interest equal to the previous day's daily balance multiplied by the DPR for the balance. This gives us the daily balance for the particular balance for that day and the beginning balance for that balance for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for each balance for the billing period and divide the total by the number of days in the billing period. This gives us the Average Daily Balance for that balance. If you multiply the Average Daily Balance for each balance by the number of days in the billing period and the DPR for that balance, the result will be the Finance Charge assessed on that balance, except for variations caused by rounding. The total Finance Charge for the billing period is calculated by adding the Finance Charges assessed on all balances of the Account. This method of calculating the Average Daily Balance and Finance Charge results in daily compoundingofFinance Charges. We may use mathematical formulas which produce equivalent results to calculate the Average Daily Balance, Finance Charge, and related amounts. For example, we may utilize computer programs or other computational methods that are designed to produce mathematically equivalent results while using fewer and/or simpler computational steps than are described in this Agreement. At our discretion, we may exclude certain categories of debit transactions or fees from the calculation of the daily balances. Unless we elect to use a later date, we add a Charge to the daily balance as follows: We add a Cash Advance or Purchase to the appropriate daily balance as of the date of request or the transaction date on the billing statement. We add a convenience check to the appropriate daily balance as of the date of first deposit. We add a Balance Transfer other than through a convenience check to the appropriate daily balance as of the date of the request. We add periodic Finance Charges to the daily balance as described above. We add any other Charge to the appropriate daily balance as of the date of the transaction. Periodic Finance Charges are added to the outstanding balance at the end of the billing period for which Finance Charges are calculated. In any such billing period, we will impose a minimum Finance Charge of $0.50, which will be added to the balance with the highest APR unless, for our convenience and in our sole discretion, we choose to add it to a balance with a lower APR. In our sole discretion, we also may round any calculations made in determining the Finance Charges on your Account in any way that. is convenient to us. Any such rounding may apply to or cause variations in your DPRs. Late Fees We may assess a Late Fee if a payment of at least the Minimum Amount Due is not credited to your Account by the Payment Due Date. The amount of the Late Fee depends on the amount of the Previous Balance on the statement on which the Late Fee appears, as follows: Previous Balance Late Fee Less than $400 $19 $400 or greater $38 Other Fees We may charge the following fees to your Account, subject to applicable law. Except as otherwise noted, these fees will be added to the Purchase Balance. 1. Dishonored Payments: We may charge a fee of $38 whenever any check, similar instrument, or electronic payment order that we receive as payment on your Account is not honored upon first presentment. If a Card is presented in connection with cashing a check at an American Express Travel Service Office or other authorized location and the check is not honored, we may charge a fee of $38. (We will also add a Charge to the Cash Advance balance of your Account in the amount of the check that was not honored.) 2. Copies of Statements: We may charge a fee of $5 for each billing period for which a copy of a billing statement is requested. We will not charge this fee for any request for a copy of arty of the billing statements for the three billing periods immediately prior to the request. 3. Account Re-opening Fee: We may charge a re-opening fee of $25 if your Account is cancelled for any reason and you request reinstatement and such request is honored. 4. VAre Transfers: We may charge a fee of $15 each time a wire transfer from your Account is initiated and authorized. 5. Stop Payment Orders: We may charge a fee of $29 each time we receive a request to stop payment on a convenience check drawn on your Account. 6. Over-limit Fee: We may charge a fee of $35 in each billing period the New Balance on your statement exceeds your credit line. 7. Convenience Check Usage/Balance Transfer Transaction Fee: We may assess a transaction fee for each Balance Transfer and each convenience check drawn on your Account, as disclosed in the applicable Promotional Offer, in the materials accompanying the convenience check, or at the time of the transaction. This fee is a Finance Charge and, if assessed, will be added to the same Purchase or Cash Advance balance as the convenience check transaction or Balance Transfer. For convenience checks made payable to cash or to you, a bank, brokerage or similar asset account, however, unless otherwise disclosed in the applicable Promotional Offer, in the materials accompanying the convenience check, or at the time of the transaction, there will be a transaction fee of 3%, with a minimum of $5. 8. ATM Fee: We will impose a fee each time a Card is used to obtain cash or any other services from an ATM. This fee will be 3% of the amount of the cash withdrawn or other services obtained (including any additional fee imposed for use of the ATM by its operator), with a minimum of $5. This fie will be added to the Cash Advance balance. FDR 974934 Suspension/Cancellation In addition to any other actions we may take under this Agreement, we may suspend or cancel your Account Or any feature offered in connection with vour Account, we may reduce your credit line or cash advance limit (including to a level below your outstanding balance), and/or we may suspend or cancel the authorization of any Additional Cardmember to make Charges to your Account, at our sole discretion at any time, with or without cause, whether or not your Account is in default, and without giving you notice, subject to applicable law. Any such action on our part will not cancel your obligation to pay all Charges due on your Account under the terms of this Agreement in effect at the time of such action or as subsequently amended, and you agree to pay us all such Charges despite any such action, We may advise third parties who accept the Card that the Card(s) issued to you and/or Additional Cardmembers have been cancelled. If we cancel the Card or it expires, you may no longer use it and you must destroy it or return it to us or, if we request, to a third party. If you want to cancel the Account or any Additional Cards, you must notify us and destroy the Card(s). If the agree to reinstate your Account after a cancellation, the new Agreement we send you (or, if we do not send you a new Agreement, this Agreement as it may be amended) will govern your reinstated Account. When we reinstate your Account, we may reinstate any Additional Cards issued in connection with your Account, and bill you the applicable annual fee(s). Default We may consider your Account to be in default at any time if you fail to pay us any amount when it is due, or if you breach any other promise or obligation under this Agreement. Subject to applicable law, we may also consider your Account to be in default at any time if any statement made by you to us in connection with this Account or any other credit program was false or misleading; if you breach any promise or obligation under any other agreement that you may have with us or with any of our affiliates; if we receive information indicating that you are bankrupt, intend to file bankruptcy, or are unable to pay your debts as they become due; or we receive information leading us to conclude that you are otherwise not creditworthy. In evaluating your creditworthiness, you agree that we may rely on information contained in consumer reports, and in our discretion we may consider the amount of debt you are carrying compared to your resources or any other of your credit characteristics, regardless of your performance on this Account. We may also consider your Account in default in the event of your death. In the event of your default, and subject to any limitations or requirements of applicable law, we may require payment of a portion of your outstanding balance greater than the Minimum Amount Due, declare the entire amount of your obligations to us immediately due and payable, and/or suspend or cancel your Account and/or any feature that may be offered in connection with the Account. You agree to pay all reasonable costs, including reasonable attorneys' tees, incurred by us (1) in connection with the collection of any amount due on your Account, whether or not any arbitration, litigation, or similar proceedings arc initiated; and (2) in reasonably protecting ourselves from any loss, harm, or risk relating to any default on your Account. Transactions Made in Foreign Currencies If you incur a Charge in a foreign currency, it will be converted into U.S. dollars on the date it is processed by us or our agents. Unless a particular rate is required by applicable law, you authorize us to choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest official conversion rate published by a government agency, or (b) the highest interbank conversion rate identified by us from customary banking sources, on the conversion date or the prior business day, in each instance increased by 2.7%. This conversion rate may differ from rates in effect on the date of your Charge. Charges converted by establishments (such as airlines) will he billed at the rates such establishments use. Benefits and Services Subject to applicable law, we have the right to add, modify or delete any benefit, service, or Feature that may accompany your Account at any time and without notice to you. Arbitration Purpose: This Arbitration Provision sets forth the circumstances and procedures under which Claims (as defined below) may be arbitrated instead of litigated in court. Definitions: As used in this Arbitration Provision, the term "Claim" means any claim, dispute or controversy between you and us arising from or relating to your Account, this Agreement, the Electronic Funds Transfer Services Agreement, and any other related or prior agreement that you may have had with us, or the relationships resulting from any of the above agreements ("Agreements"), except for the validity, enforceability or scope of this Arbitration Provision or the Agreements. For purposes of this Arbitration Provision, "you" and "us" also includes any corporate parent, or wholly or majority owned subsidiaries, affiliates, any licensees, predecessors, successors, assigns, any purchaser of any accounts, all agents, employees, directors and representatives of any of the foregoing, and other persons referred to below in the definition of"Claims" "Claim" includes claims of every kind and nature, including but not limited to, initial claims, counterclaims, cross-claims and third-party claims and claims based upon contract, tort, fraud and other intentional torts, statutes, regulations, common law and equity. "Claim' also includes claims by or against any third party using or providing any product, service or benefit in connection with any account (including, but not limited to, credit bureaus, third parties who accept the Card, third parties who use, provide or participate in fee-based or free benefit programs, enrollment services and rewards programs, credit insurance companies, debt collectors and all of their agents, employees, directors and representatives) if and only if, such third party is named as a co-party with you or us (or files a Claim with or against you or us) in connection with a Claim asserted by you or us against the other. The term "Claim" is to be given the broadest possible meaning that will be enforced and includes, by way of example and without limitation, any claim, dispute or controversy that arises from or relates to (a) any of the accounts created under any of the Agreements, or any balances on any such accounts, (b) advertisements, promotions or oral or written statements related to any such accounts, goods or services financed under any of the accounts or the terms of financing, (c) the benefits and services related to Cardmembership (including fee-based or free benefit programs, enrollment services and rewards programs), and (d) your application for any accuunL We shall not elect to use arbitration under the Arbitration Provision for any Claim that you properly file and pursue in a small claims court of your state or municipality so long w the Claim is individual and pending only in that court. Initiation of Arbitration Proceeding/Selection of Administrator: Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the code of procedures of the national arbitration organization to which the Claim is referred in effect at the time the Claim is filed (the "Code"), except to the extent the Code conflicts with this Agreement. Claims shall be referred to either the National Arbitration Forum ("NAP") or the American Arbitration Association ( AAA'), as selected by the party electing to use arbitration. If a selection by us of either of these organizations is unacceptable to you, you shall have the right within 30 days after you receive notice of our election to select the other organization listed to serve as arbitration administrator. For a copy of the procedures, to file a Clain or for other information about these organizations, contact them as follows: • NAF at PO. Box 50191, Minneapolis, MN 55405; website: wwwarbitration-forum.com. • AAA at 335 Madison Avenue, New York, NY 10017; website: wwwadrorg. Significance of Arbitration: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM. FURTHER, YOU AND WE WILL NOT HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR'S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT YOU OR WE WOULD HAVE IF YOU WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION. Restrictions on Arbitration: IF EITHER PARTY ELECTS TO RESOLVE A CLAIM BY ARBITRATION, THAT CLAIM SIIALI. BE ARBITRATED ON AN INDIVIDUAL BASIS. THERE SHALL BE NO RIGHT OR AUTHORITY FOR ANY CLAIMS TO BE ARBITRATED ON A CLASS ACTION BASIS OR ON BASES INVOLVING CLAIMS BROUGHT IN A PURPORTED REPRESENTATIVE CAPACITY ON BEHALF OF THE GENERAL PUBLIC, OTHER CARDMEMBERS OR OTHER PERSONS SIMILARLY SITUATED. The arbitrator's authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator's authority to make awards is limited to awards to you and us alone. Furthermore, claims brought by you against us, or by us against you, may not be joined or consolidated in arbitration with Claims brought by or against someone other than you, unless agreed to in writing by all parties. No arbitration award or decision will have any preclusive effect as to issues or claims in any dispute with anyone who is not a named party to the arbitration. Notwithstanding any other provision in this Agreement (including but not limited to the Continuation provision below) and without waiving either party's right to appeal such decision, should any portion of this Restrictions on Arbitration provision be deemed invalid or unenforceable, then the entire Arbitration Provision (other than this sentence) shall not apply. Arbitration Procedures: This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16, as it may be amended (the "FAX). The arbitration shall be governed by the applicable Code, except that (to the extent enforceable under the FAA) this Arbitration Provision shall control if it is inconsistent with the applicable Code. The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and, at the timely request of either party, shall provide a brief written explanation of the basis for the decision. The arbitration proceeding shall not be governed by any Federal or state rules of civil procedure or rules of evidence. Either party may submit a request to the arbitrator to expand the scope of discovery under the applicable Code. The party submitting such a request must provide a copy to the other party, who may submit objections to the arbitrator with a copy of the objections provided to the requesting party, within fifteen (15) days of receiving the requesting party's notice. The granting or denial of such a request will be in the sole discretion of the arbitrator, who shall notify the parties of his/her decision within twenty (20) days of the objecting party's submission. The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of business matters. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator's decision will be final and binding, except for any right of appeal provided by the FAA. However, any party can appeal that award to a three- arbitrator panel administered by the same arbitration organization, which shall consider anew any aspect of tile initial award objected to by the appealing party. The appealing party shall have thirty (30) days from the date of entry of the written arbitration award to notify the arbitration organization that it is exercising the right of appeal. The appeal shall be filed with the arbitration organization it the form of a dated writing. The arbitration organization will then notify the other party that the award has been appealed. The arbitration organization will appoint a three-arbitrator panel Qrat will conduct an arbitration pursuant to its Code and issue its decision within one hundred and twenty (120) days of the date of the appellant's written notice. The decision of the panel shall be by majority vote and shall be final and binding. Location of Arbitration/Payment of Fees: Any arbitration hearing that you attend shall take place in the federal judicial district of your residence. You will be responsible for paying your share, if any, of the arbitration fees (including filing, administrative, hearing and/or other fees) provided by the Code, to the extent that such fees do not exceed the amount of the filing fees you would have incurred if the Claim had been brought in the state or federal court closest to your billing address that would have jurisdiction over the Claim. We will be responsible for paying the remainder of any arbitration fees. At your written request, we will consider in good faith making a temporary advance of all or part ofyour share of the arbitration fees for any Claim you initiate as to which you or we seek arbitration. You will not be assessed any FDR 974934 1 arbitration fees in excess of your share if vrou do not prevail in any arbitration with us. Continuation: This Arbitration Provision shall survive termination of your accounts as well as voluntary payment of the Account balance in full by you, any legal proceeding by you or us to collect a debt owed by the other, any bankruptcy by you or us, and any sale by us ofyour Account (and in the case of sale, its terms shall apply to the buyer of any of your Account). Except as otherwise provided in the Restrictions on Arbitration provision above, if any portion of this Arbitration Provision (other than the Restrictions on Arbitration provision) is deemed invalid or unenforceable, it shall not invalidate the remaining portions of this Arbitration Provision, the Agreement or any predecessor agreement you may have had with us, each of which shall be enforceable regardless of such invalidity. Waiver Our failure to exercise any of our rights under this Agreement, our delay in enforcing any of our rights, or our waiver of our rights on any occasion, shall not constitute a waiver of such rights on any other occasion. Consumer Reports You authorize us to request consumer reports about you, to make whatever credit investigations we deems appropriate, to obtain and exchange any information we may receive from consumer reports and other sources, and to use such information for any purposes, subject to applicable law. You authorize us to furnish information concerning your Account to consumer reporting agencies, or others, subject to applicable law. If you believe information we have furnished about your Account to a consumer reporting agency is inaccurate, you should write to us at: American Express Credit Bureau Unit, P.O. Box 7871, Ft. Lauderdale, FL 33329-7871 and identify the specific information you believe is inaccurate. You are hereby notified that information about your Account that may have a negative impact on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. Telephone Communications You agree that from time to lime we may monitor and/or record telephone calls between you (or Additional Cardmembers on your Account) and us to assure the quality of our customer service or as required by applicable law. You authorize us to call or send a text message to you at any number you give us or from which you call us, including mobile phones. You authorize us to make such calls using automatic telephone dialing systems for any lawful purpose, including but not limited to: suspected fraud or identity theft; Account transactions or servicing; offers of American Express products and services; and collecting on your Account. You authorize us to place prerecorded calls in connection with the status of your account, or security and identity theft matters. You agree to pay any fees or charges you incur for incoming calls or text messages from us without reimbursement. Privacy Act of 1974 Notification Use of the Card at Federal Government Agencies American Express has entered into contracts that enable the Card to be accepted at certain federal government agencies and departments (`Agencies"). As with Card transactions at commercial establishments, when you choose to use your Card at an Agency, certain Charge information is necessarily collected by us. Charge information from Card transactions at Agencies may be used for routine uses, such as processing Charges and payments, billing and collections activities and may be aggregated for reporting, analysis and marketing activities. Additional "routine uses" of Charge information by Agencies are published periodically in the Federal Register. Insurance Products Notice We identify insurance providers and products that maybe of interest to you. In this role we may act on behalf of the insurance provider, as permitted by law. We receive compensation from insurance providers that may vary by provider and product. Also, we may receive additional compensation or financial benefit when AMEX Assurance Company Or another American Express entity acts as the insurer or reinsurer for these products. The arrangements we have with providers, including the potential to insure or reinsure products, may also influence what products and providers we identify. Notices Any notice given by us shall be deemed given when deposited in the U.S. mail, postage prepaid, addressed to you at the latest Billing Address shown on our records. Changing this Agreement/Assignment of this Agreement We may change the terms of or add new terms to this Agreement at any time, in accordance with applicable law. We may apply any changed or new terms to any then-existing balances on your Account as well as to future balances. This written Agreement is a final expression of the agreement between the creditor and the debtor and the written Agreement may not be contradicted by evidence of any alleged oral agreement. We may also sell, transfer or assign this Agreement and the Account at any time without notice to you. You may not sell, assign or transfer your Account or any of your obligations under this Agreement. Your Account may be transferred to American Express Centurion Services Corporation if your Account is in default under the terms of this Agreement. Assignrmnt of Claims In the event you dispute a Charge and we credit your Account for all or part of such disputed Charge, we automatically succeed to, and you are automatically deemed to assign and transfer to us, any rights and claims (excluding tort claims) that you have, had or may have against airy third party for an amount equal to the amount we credited to your Account. After we make such credit, you agree that without our consent you will not pursue any claim against or reimbursement from such third party for the amount that we credited to your Account, and that you will cooperate with us if we decide to pursue the third party for the amount credited. Applicable Law This Agreement and your Account, and all questions about their legality, enforceability and interpretation, are governed by the laws of the State of Utah (without regard to internal principles of conflicts of law), and by applicable federal law. We are located in Utah, hold your Account in Utah, and entered into this Agreement with you in Utah. AMERICAN EXPRESS CENTURION BANK To American Express Cardmembers In The United States and Its Territories Your Billing Rights - Keep This Notice for Future Use This notice contains important information about your rights and our responsibilities under the "Fair Credit Billing Act" Notify Us in Case of Errors or Questions About Your Account Statement Ifyou think your statement is wrong or if you need more information about a transaction on your statement, write us on a separate sheet of paper at the address for billing inquiries listed on your statement. Write to us as soon as possible. We must hear from you no later than (A days after we sent you the first statement on which the error or problem appeared. You can also telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • Your name and Account number. • The dollar amount of the suspected error. • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sue about. It-you have authorized us to pay your Account statement automatically from your savings, checking or other account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within thirty (30) days, unless we have corrected the error by then. Within ninety (90) days, we must either correct the error or explain why we believe the statement was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including Finance Charges, and we can apply any unpaid amount against your credit line. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your statement that are not in question. if we find that we made a mistake on your statement, you will not have to pay any Finance Charges related to any questioned amount. If we did not make a mistake, you may have to pay Finance Charges, and you will have to make up any missed payments on the questioned amounts. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your statement, and we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we do not follow these rules, we cannot collect the first $50 of the questioned amount, even if your statement was correct. Special Rule for Credit Gard Purchases If you have a problem with the quality of property or services that you purchased with the Card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations to this right (a) 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 (b) The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. Note for Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law Once You Enroll In Pay By Computer, Pay By Phone Or Airy Other American Express Electronic Funds Transfer Service (Hereafter The "Program"), You Will Be Subject To This Electronic Funds Transfer Agreement (The "EFT Agreement"). Scope of Agreement This F.FT Agreement covers your participation in the Program. In this EFT Agreement, the words "you" and "your" refer to the Basic Cardmember and also include all Additional Cardmembers who have enrolled in the Program. The words "we, "our" and "us' refer to American Express Travel Related Services Company, Inc. The words "your American Express Accounts" refer to your card account governed by your Cardmember Agreement ("Card Account") or any other American Express Accounts that we permit you to enroll in the Program. The words "your Bank Account" refer to the account held by a bank, securities firm or other financial institution from which payment will be made when you make transactions under the Program. The words "your bank" mean the bank, securities firm or other financial institution that holds your Bank Account. The words "other options" refer to electronic payment transfer options and/or other cash access that American Express may make available from time to time, including the option to pay your Account bill electronically using a computer, phone or other device. Your Account is governed by die Cardmember Agreement that is attached to this EFT Agreement. That agreement and die capitalized terms in it also apply here. Payment for Cash Transactions Each time you initiate a transaction under the Program, you instruct and authorize us or our agent to draw a check or initiate an automated clearing house (ACH") debit in your name on your Bank Account, payable to us or to our agent, in the amount of the transaction. The amount of the transaction is the amount of the Account bill you paid or other funds transfer you authorized, plus any applicable fees or charges. FDR 974934 We may charge a fee of $38 for each check or ACH debit drawn by us or our agent in connection with the Program that is not honored upon first presentment, subject to applicable law. Your bank may also assess its customary charge for such items, if any. Dishonored Requests for Payments If any check or ACH debit drawn by us or our agent in connection with the Program is not honored by your bank we have the right to charge the amount of any such transaction, and the dishonored payment fee referred to above, to the Card Account or to collect the amount from you. If this happens, we may cancel your right to participate in the Program. For certain Bank Accounts, you may have a separate agreement with us or with a participating bank, securities firm, or other financial institution that allows a line of credit to be accessed in the event that your Bank Account contains insufficient funds to make payment to us. You should refer to the appropriate agreement relating to that line of credit for the terms and conditions that govern its use. Liability for Unauthorized Transactions and Advisability of Prompt Reporting You must tell us AT ONCE, ifyou believe a transaction under the Program has been made without your authorization. Telephoning is the best way of minimizing possible losses. If a transaction was unauthorized, and within two days after you learn about it you notify us that the transaction was unauthorized, we will not hold you liable for that transaction. In any event, even if you fail to notify us, your liability for any unautborized transaction or series of related unauthorized transactions shall not exceed $50. If you believe that someone has transferred or may transfer money from your Bank Account without permission, call: 1-800-528-4800 (within U.S.) or 1-336-393-1111 (outside U.S.) anytime, or write: American Express Credit Department, P.O. Box 53830, Phoenix, Arizona 85072-3830. Our Liability for Improper Transactions or Payments If a transaction is not completed as you have directed or if we do not complete a transfer to or from your Bank Account on time in the correct amount, we will research and correct it as necessary, once you advise us. She will also reimburse you for your actual losses or damages, if any, caused by our error. However, there are some exceptions. We will not be liable to you in the following instances: • if, through no fault of ours, your Bank Account does not or did not contain enough money to complete the transaction or the transfer would exceed an established credit limit; if the funds in your Bank Account are or were at the time of the attempted transaction subject to legal process or other encumbrance restricting the transaction; • if circumstances beyond our control (such as fire or flood) prevent or prevented the transaction, despite reasonable precautions that we have taken; • if a technical malfunction known to you prevented the transaction; or any other exceptions stated in this EFT Agreement. Business Day For purposes of this EFT Agreement, our business days are Monday through Friday. Holidays are not included. Arbitration The Card Account is governed by the Cardmember Agreement contained herein. The Arbitration provision contained within that agreement applies to this EFT Agreement. Please refer to that provision as you read this EFT Agreement. Privacy Electronic funds transfers you initiate pursuant to this EFT Agreement are covered by the American Express Privacy Policy, a copy of which was given to you together with your American Express Card. To view our Privacy Policy online, please visit americanexpress.com. How to Contact Us If for any reason you wish to contact us about the program, about your participation in the Program, or about transactions relating to the Program, write or call us as follows: Address: American Express Travel Related Services Company, inc., Electronic Funds Services, P0. Box 297815, Ft. Lauderdale, FT. 33329-7815 or a-mail us by clicking on the Customer Service link online at wwvw.americanexpress.com. Telephone: 1-800-CASH-NOW. 24 hours a day, seven days a week. In Case of Errors or Questions About Your Transactions Write or call us at the number or address given above as soon as you can if you think your statement or receipt is wrong or if you need more information about a transaction listed on your statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. If you are delayed in contacting us due to extenuating circumstances (such as a hospital stay), we may extend this 60 days for a reasonable time. 1. Tell us your name and Account number. 2. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. 3. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days* from the date you notified us. We will tell you the results of our investigation within 10 business days* after we hear from you and we will correct any error promptly. lfwe need more time, however, we may take up to 45 calendar days to investigate your complaint or question. if we decide to do this we will assure that your bank recredits your Bank Account within 10 business days* for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. lfwe ask you to put your complaint or question in writing and we do not receive it within 10 business days* following your oral notification, we may not recredit your Bank Account. If notification of an error is received within 30 calendar days after your Bank Account is opened, we will have 20 business days to provide you with the results of our investigation and correct any error, and 90 days to complete the investigation. If we determine that there was no error, we will send you a written explanation within three business days after we finish our investigation. Upon your request we will provide you with copies of the documents that we used in our investigation. If we have provisionally recredited your Bank Account during the investigation and determine that there was no error, we AU notify you of the date on which we will redebit your Bank. Account, and the amount to be debited. You authorize us or an agent to debit your Bank Account for this amount. You should make certain that your Bank Account contains sufficient funds to cover this debit. If it does not, we have the right to charge such amount to the Account or to collect the amount from you. If this happens, we may cancel your right to participate in the Program. 'Termination We, or any bank or financial institution participating in the Program, may add to or remove from the Program any or all ATMs or extend or limit the services provided at any location without notifying you beforehand. In addition, we may discontinue the Program at any time. Your right to participate in the Program will be terminated or suspended if the Card Account is cancelled or suspended, if you cancel the authorization you have given your bank to directly charge checks to your Bank Account, if the Bank Account from which payment will be made when you make transactions under the Program is closed to withdrawal transactions by us or our agents, if your participation in the Program is inactive for 18 consecutive months or more, or if the Card Account is no longer in good standing. In addition to the foregoing, we may revoke your right to participate in the Program, at any time, at our sole discretion, with or without cause, subject to applicable law. If we do so, we will send you written notice, but we may not send you the notice until after the revocation. Noe also have the right to deny authorization for any requested transaction, at any time, at our sole discretion, with or without cause, and without giving you notice, subject to applicable law. You may terminate your participation in the Program but you must do so by writing to us at the address disclosed in the Section of this EFT Agreement entitled How to Contact Us. Prior Agreements and Assignments 'This EFT Agreement supercedes all prior agreements you may have with us relating to the Program. We have the right to assign this EFT Agreement to a subsidiary or affiliate company at any time. AMERICAN EXPRESS TRAVEL. RELATED SERVICES COMPANY, INC. Note for Massachusetts Residents General Disclosure Statement: Any documentation provided to you which indicates that an electronic funds transfer was made shall be admissible as evidence of such transfer and shall constitute prima facie proof that such transfer was made. The initiation by you of certain electronic funds transfers from your Bank Account will, except as otherwise provided in this EFT Agreement, effectively eliminate your ability to stop payment of the transfer. UNLESS OTHERWISE PROVIDED IN THIS EFT AGREEMENT, YOU MAY NOT STOP PAYMENT OF ELECTRONIC FUNDS TRANSFERS; THEREFORE, YOU SHOULD NOT EMPLOY ELECTRONIC ACCESS FOR PURCHASES OR SERVICES UNLESS YOU ARE SATISFIED THAT YOU WILL NOT NEED TO STOP PAYMENT. Disclosure of Account Information to Third Parties: if you give us your written authorization to disclose information about you, your Account or the transactions that you make to any person, that authorization shall automatically expire 45 days after we receive it. Optional Limit on Obtaining Cash: You have the option to request that we limit the total amount of cash that you may obtain from ATMs in a single day to $50. if you elect this option we will take all reasonable steps to comply with your request. *For Massachusetts residents: 10 calendar days instead of business days. Program Description Return Protection offers you guaranteed product satisfaction on designated items purchased entirely with an eligible American Express Card. If you try to return a designated item within 90 days from the date of purchase and the merchant won't take it back, American Express will refund the full purchase price, up to $300 per item, excluding shipping and handling, and up to a maximum of $1,000 annually per Cardmember Account. How to File a Return Protection Request Once you have verified that the merchant will not accept the designated item, call 1-800-297-8019 within 90 days of the purchase date to notify us of your request. Within 30 days from the date of your initial call, we need to receive the fallowing: • Original store receipt • American Express Card record of charge • Any other items deemed reasonable by us to process your request Once your request has been approved, you will be instructed to send the purchased item to us within 30 days. Please keep a record of your shipping statement, as you will need to provide proof of shipping in the event that your designated items are not received. You are responsible for the shipping and handling charges for the item. The refund - up to $300 per item and up to a maximum of $1,000 per Cardmember per year - will be reimbursed to you. Limitations Purchases must be made in the United States and charged in full on your Card. A refund will not be paid if, on the date we receive your Return Protection Request, or on the date of would-be payment, any amount on your Card Account is past due for one or more billing cycle(s) or your Card is canceled. Refunds are limited to $300 per designated item, and $1,000 annually per Cardmember Account. The item must be in "like new" condition (not visibly used or worn) and in working order to be eligible. An item is eligible if it may not be returned by the Cardmember to the merchant from which it was originally purchased. Any item purchased from a merchant that has an established return/ satisfaction guarantee program which is greater than or equal to the terms of Return Protection, and provides coverage for claim, will not be eligible for a Return Protection Refund. Product rebates, discounts or money received from lowest price comparison programs will be deducted from the original cost of the item. The maximum you will be compensated will not exceed the manufacturer's suggested retail price. FDR 974934 Items not eligible for a refund are: animals and living plants; one-of-a-kind items (including antiques, artwork, and furs); limited edition items; going-out-of-business sale items; conswnable or perishable items with limited life spans (such as perfume, light bulbs, non-rechargeable batteries); jewelry (including, but not limited to, loose gems, precious stones, metals, and pearls); watches; services and additional costs (such as installation charges, warranties, shipping, or memberships); rare and precious coins; used, altered, rebuilt and refurbished items; custom-built items, cellular phones; pagers; compact discs; digital video discs; mini discs; audiotapes; videotapes; computer software; firmware (such as console games, Nintendo, etc.); maps; books of any kind; health care items (such as blood pressure machines and diabetes equipment); formal wear; tickets of any kind; motorized vehicles (such as cars, trucks, motorcycles, boats, or airplanes) and their parts; land and buildings; firearms; ammunition; negotiable instruments (such as promissory notes, stamps and travelers checks); cash and its equivalent; and items permanently affixed to home, office, vehicles, etc., (such as garage door openers, car alarms). If you have any questions regarding a Return Protection Request or the Return Protection program, please call our Customer Service Department at 1-800-297-8019. The information below summarizes the terms and conditions of the Extended Warranty plan (formerly the Buyer's Assurance Plan). Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 and is subject to change with notice. This document does not supplement or replace the Policy. Please call us at the number on back of your American Express Card for a complete copy of your terms and conditions. Extended Warranty will extend the terms of the original manufacturer's warranty for a period of time equal to the duration of the original manufacturer's warranty, up to one (1) additional year (Centurion Cardmembers up to three (3) additional years) on warranties of five (5) years or less that are eligible in the United States of America. Description of Benefits Where a loss has occurred during this plan's extended warranty time period of up to one (1) additional year (Centurion Cardmembers up to three (3) additional years), we will provide a benefit equal to the coverage of the original manufacturer's warranty on warranties of up to five (5) years. We will pay up to the actual amount charged to your account lir the product for which a loss is claimed, but not to exceed $10,000. If the product also is covered by a purchased service contract, this plans extended warranty time period begins at the end of the service contract and extends the original manufacturer's warranty for a period of time equal to that warranty, up to one (1) additional year (Centurion Cardmembers up to three (3) additional years). If the combined coverage of the original manufacturers warranty and the purchased service contract exceed five (5) years, the product purchased is not eligible under this plan and no coverage applies. Extended Warranty does not reimburse for shipping and handling expenses or installation, assembly, professional advice, maintenance or other service charges, If you experience more than one loss in a calendar year, we will pay an amount not to exceed $50,OW for all losses in a calendar year. Our benefit payment will not include any product rebates, discounts or money received from the lowest price comparison programs that reduced the original cost of the property Exclusions Benefits are not payable if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by: 1. any physical damage, including, but not limited to, damage as a direct result of natural disaster or a power surge, except to the extent the original manufacturer's warranty covers such damage; 2. mechanical failure covered under product recall; or 3. fraud or abuse or illegal activity of any kind by the cardmember. Purchases Not Covered The following are not covered: 1. products covered by an unconditional satisfaction guarantee; 2. motorized vehicles (including, but not limited to, passenger cars, trucks, motorcycles, boats, airplanes) and their parts, subject to high risk, combustible, wear and tear or mileage stipulations (including, but not limited to, batteries, carburetors, pipes, hoses, pistons, brakes, tires, or mufflers); 3. motorized devices and their parts used for agriculture, landscaping, demolition or construction; 4. motorized devices and their parts which are permanent additions or fixtures to a residential or commercial building; 5. business fixtures, including, but not limited to, air conditioners, refrigerators, heaters; 6. land or buildings; 7. consumable or perishable items; 8. animals or living plants; 9. more than one article in a pair or set. Coverage will be limited to no more than the value of any particular part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless of any special value they may have had as part of a set or collection; 10. items still under installment billing; 11. additional service contract or extended warranty coverage for a computer, computer component or part that you buy which already comes with an original United States of America manufacturer's warranty, unless such coverage is provided and administered by the original manufacturer; and 12. items purchased for resale, professional, or commercial use (this does not apply to OPEN Cardmembers). General Provisions Excess Coverage If any loss under this policy is insured under any other valid and collectible policy, then this policy shall cover such loss, subject to its exclusions, conditions, provisions and other terms herein, only to the extent that the amount of such loss is in excess of the amount of such other insurance which is payable or paid. Termination or Cancellation Coverage will cease on the earliest of the following: 1. the date you no longer maintain a permanent residence in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands; 2. the date we determine that you or someone on your behalf intentionally misrepresented or fraud occurred, 3. the date the policy is cancelled; 4. the date you are no longer a cardmember; 5. the date your account ceases to be current and in good standing; or 6. the date the plan is not available in the location where you maintain a permanent residence. Termination or cancellation of coverage will not prejudice arty claim originating prior to termination or cancellation subject to all other terms of the policy. The company has the right to cancel the policy at any time by sending a written notice at least forty five (45) days in advance to you at your last known address. The notice will include the reason for cancellation. Form Numbers EW-DOC-CCSG102107, EW-DOC-CCSG2 02/07, F.W- DOC-OSBNI 02/07, EW-DOC-OSBN2 02/07 Applicable for Residents of the State of Alaska Form Number: PP/EW-RDRI-AK 06107 Applicable for Residents in the States of Arizona and Indiana Form Numbers: EW-IND-CCSG107/07, EW-IND-CCSG2 07/07, EW-IND-OSBN107/07, EW-IND-OSBN2 07/07 Applicable for Residents of the State of Kentucky Form Number: PP/EW-RDRI-KY 05/07-In the Termination or Cancellation section: The company has the right to cancel the policy at any time by sending a written notice at least seventy-five (75) days in advance to you at your last known address. Applicable for Residents of the State of Oklahoma Form Number: PP/EW-RDRl-OK 07,107-The following is added to your Description of Coverage: WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony. :Applicable for Residents of the State of Oregon Form Number EW-RDRI-OR 05107-]n the Exclusions section the following is removed: a. fraud or abuse or illegal activity of any kind by the cardmember; Applicable for Residents of the State of South Dakota Form Number: PP/EW-RDRl-SD 05/07 Applicable for Residents of the State of Texas Form Number: EW-IND-TX 07/07 Applicable for Residents of the State of Vermont Form Number: PP/EW-RDRI-VT 05/07 Description of Coverage Underwritten by AMEX Assurance Company, Administrative Office, 480 Pilgrim Way, Suite 1400, Green Bay, WI 54304 Purchase Protection provides coverage for Your purchases for ninety (90) days from the date of purchase when You charge any portion of the price of the purchased item to Your Account. You will be reimbursed only for the amount charged to Your Account. (See Description of Benefits section.) Definitions Certain words used in this Description of Coverage are capitalized throughout and have special meanings. Wherever used herein, the singular shall include the plural, the plural shall include the singular, as the context requires. Account means Your American Express Card Account. Cardmember means a person who has been issued a United States of America based proprietary American Express Card, which is Current and in Good Standing, and who has a Permanent Residence in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands. Covered Incident means the theft of, or damage, whether by accident or vandalism, to any one item of property purchased worldwide as a gift or for personal or business use and charged to Your Account. Company means AMEX Assurance Company, and its duly authorized agents. Current and in Good Standing means a Cardmember Account for which the monthly minimum requirement has been paid prior to the date in which the claim is payable. Master Policyholder means American Express Travel Related Services Company, Inc. Permanent Residence means the one primary dwelling place where the Cardmember resides and to which they intend to return. Plan means the Policy and the benefits described therein. Platinum Cardmember means a Cardmember who has a Platinum Charge Card (required to be paid in full monthly), a Corporate Platinum Card, or a Fidelity American Express Platinum Card. Any other Card which may reference the Platinum name or has Platinum colored plastic will not receive higher coverage limits or benefits. Policy means the Group Insurance Master Policy (AX0951 issued to American Express'fravel Related Services Company, Inc.). We, Us, Our means the Company. You, Your means the Cardmember. Description of Benefits We will pay You the expense charged to Your Account up to $1,000 for any one Covered incident and up to $50,000 for all Covered Incidents during a calendar year. Purchase Protection provides benefits, for ninety (90) days from the date of purchase, if a Covered Incident occurs with respect to property You purchased and charged to Your Account. Our benefit payment will not include shipping and handling expenses or installation, assembly, professional advice, maintenance or other service charges or any product rebates, discounts or money received from lowest price comparison programs that reduced the original cost of the property. Our payment of any eligible benefit amount is further contingent upon Your Account being Current and in Good Standing. Only a Cardmember has a legal and equitable right to any insurance benefit that may be available under this Plan. Exdusions Benefits are not payable if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by: 1. war or any act of war, whether declared or undeclared; 2. any activity directly related to and occurring while in the service of any armed military force of any nation state recognized by the United Nations; 3. participation in a riot, civil disturbance, protest or insurrection; 4. violation of a criminal law, offense or infraction; 5. natural disasters, including, but not limited to, hurricanes, floods, tornados, earthquakes or any other event in FDR 974934 the course of nature, that occurs at the same time or in separate instances; 6. fraud or abuse or illegal activity of any kind by the Cardmember; 7, confiscation by any governmental authority, public authority, or customs official; 8. negligent failure of a duty to care by any third party in whose possession the property purchased by a Cardmember has been temporarily placed; 9. not being reasonably safeguarded by You; 10. theft from baggage not carried by hand and under Your personal supervision or under the supervision of a traveling companion known by You; 11. damage through alteration (including, but not limited to, cutting, sawing and shaping); 12. normal wear and tear, inherent product defect or manufacturer's defects or normal course of play; 13. damage or theft wbfle under the care and control of a common carrier; 14. food spoilage; or 15. leaving property at an unoccupied construction site. For residents of Washington, the first paragraph of this section is removed and replaced with the following: We will not pay for loss caused by any of the excluded events described below. Loss will be considered to have been caused by an excluded event if the occurrences of that event directly and solely results in loss, Or initiates a sequence of events that result in loss, regardless of the nature of any intermediate or final event in that sequence. Purchases Not Covered The following purchases are not covered: 1. travelers checks, tickets of any kind, negotiable instruments (including, but not limited to, gift certificates, gift cards and gift checks), cash or its equivalent; 2. animals or living plants; 3. rare stamps or coins; 4. consumable or perishable items with limited life spans (including, but not limited to, perfume, light bulbs, batteries); 5, antique or previously owned items; 6. motorized vehicles and watercraft, aircraft, and motorcycles or their motors, equipment, parts or accessories; 7. stolen or damaged property consisting of articles in a pair or set. Coverage will be limited to no more than the value of any particular part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless of any special value they may have had as part of a set or collection; 8. items purchased for resale, professional, or commercial use; 9. permanent household and/or business fixtures, including, but not limited to, carpeting, flooring and/or Life; 10. business fixtures, including, but not limited to, air conditioners, refrigerators, heaters; and 11, hospital, medical and dental equipment and devices. Claims Provisions If You experience a loss for which You believe a benefit is payable under this Plan, You must provide both Notice of Claim and Proof of Loss. To insure prompt processing of Your claim, report any theft or damage immediately following the date of the Covered Incident, including for gifts purchased with the Card. Retain Your receipts and Your damaged property (if applicable) until the claim process is complete. Notice of Claim Notice of Claim should be provided to Us within thirty (30) days of the loss. You may contact Us by calling toll-free stateside 1-800-322- t277 or, if from (overseas, by calling collect 1-303-273-6498. You may also write to his at Purchase Protection, PO Box 402, Golden, CO 80402-0402. Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce any benefit payment that may be found to be eligible, if it can be shown that it was provided as soon as reasonably possible. At the time You provide Us with Notice of Claim, We will assist You with Your Proof of loss by providing You with instructions and/or documents, which You may have to complete and return to Us. You are required to cooperate with Us and provide documentation as requested by Us which is required and necessary to process Your claim and determine if benefits are payable. For residents of Missouri, no claim will be denied based upon Your failure to provide notice within such specified time, unless this failure operates to prejudice the right of Us. Proof of Loss Proof of Loss requires You to send Us all the information We request, at Your expense, in order that Your claim may be evaluated and that We may make a determination as to whether the claim may be paid. You must provide Us with satisfactory Proof of Loss within thirty (30) days (for residents of North Dakota sixty (60) days) after We have provided You with instructions and/or a claim form in response to Your Notice of Claim or Your claim may be denied. Your Proof of Loss documentation may be mailed to Us at the same address provided above for mailing Your Notice of Claim. We reserve the right to request all the information We deem necessary to determine that Your claim is payable, and We will not consider that We have received complete Proof of Loss until the information We have requested is received. Proof of Loss may require documentation consisting of, but not necessarily limited to, the following: 1, a Purchase Protection Claim Form; 2, the original itemized store receipt; 3. the insurance declaration forms for Your other sources of insurance or indemnity (e.g., homeowners or renter's insurance); 4. a photograph of and/or repair estimate for the damaged property; and 5. for theft and vandalism claims, a report regarding the stolen or vandalized property must be filed with the appropriate authority before You call to file a claim under Purchase Protection. No payment will be made on claims not substantiated in the manner required by Us. If all required documentation is not received within thirty (30) days (for residents of North Dakota sixty (60) days) of the date of the Covered Incident (except for documentation which has not been furnished for reasons beyond Your control), coverage may be denied. It is Your responsibility to provide all required documentation We request. You may be required to send in the damaged property at Your expense for further evaluation of Your claim. If requested, You must send in the damaged property within thirty (30) days (for residents of North Dakota sixty (60) days) from the date of Our request to remain eligible for coverage. Payment of Claim A claim for benefits provided by this Plan will be paid upon Our receipt and review of Your complete Proof of Loss documentation and Our determination that a claim is payable according to the terms of the Plan Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge Us to the extent of such payment. Mother insurance is available to You which provides the same or similar coverage as that provided by this Plan, this Plan becomes excess and We will pay only that portion of the Covered Incident benefit which is not reimbursed by other insurance up to Our limits, as provided under the Description of Benefits section. General Provisions Change of Permanent Residence If the change is to a different st ate, Your Policy provisions may be adjusted to conform to the requirements of that state. Clerical Error A clerical error made by the Company will not invalidate insurance otherwise validly in force nor continue insurance not validly in force. Conformity with State and Federal Law If a Plan provision does not conform to applicable provisions of State or Federal law, the Plan is hereby amended to comply with such law. Entire Contract; Representation; Change This Description of Coverage, the Policy and any applications, endorsements or riders make up the entire contract. Any statement You make is a representation and not a warranty. This Description of Coverage maybe changed at any time by written agreement between the Master Policyholder and the Company. Only the President, Vice- President or Secretary of AMEX Assurance Company may change or waive the provisions of the Description of Coverage. No agent or other person may change the Description of Coverage or waive any of its terns. This Description of Coverage may he changed at any time by providing notice to You. A copy of the Policy will be maintained and kept by the Master Policyholder and maybe examined at any time. Excess Coverage If any loss under this Policy is insured under any other valid and collectible policy, then this Policy shall cover such loss, subject to its exdusions, conditions, provisions and other terms herein, only to the extent that the amount of such loss is in excess of the amount of such other insurance which is payable or paid. Fraud If any request for benefits made under the Plan is determined to be fraudulent, or if any fraudulent means or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited. We do not provide coverage to a Cardmember who, whether before or after a loss, has: 1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation is material and is made with the intent to deceive; or 2, concealed or misrepresented any fact if the fact misrepresented contributes to the loss. Legal Actions No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has been received by Us. No such action may be brought after three (3) years (for residents of Arkansas five (5) years and residents of Missouri ten (10) years) from the time written Proof of Loss is required to be given. If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended to meet the minimum time allowed by such law. Right of Recovery If We make a payment to You under this Plan and You recover an amount from another, equal to or less than Our payment, You shall hold in trust for Us the proceeds of the recovery and reimburse Us to the extent of Our payment. If Our payments exceed the maximum amount payable under the benefits of this Plan, We have the right to recover from You any amount exceeding the maximum amount payable. Subrogation In the event of any payment under this Policy, We shall be subrogated to the extent of such payment to all Your rights of recovery You shall execute all papers required and shall do everything necessary to secure and preserve such rights, including the execution of such documents necessary to enable Us to effectively bring suit or otherwise pursue subrogation rights in Your name. You shall do nothing to prejudice such subrogation rights. We shall be entitled to a recovery as stated in these provisions only after You have been fully compensated for damages by another party. For residents of Louisiana, the Right of Recovery, Subrogation and Excess Coverage sections are revised to reflect: If the Company makes any payment tinder this Policy and the Cardmember has the riglu to recover damages from another, the Company shall be subrogated to that right. However, the Company's right to recover is subordinate to the Cardmembees right to be fully compensated. Termination or Cancellation Coverage will cease on the earliest of the following: L (he date You no longer maintain a Permanent Residence in tlhe 50 United States of America, the District of Colombia, Puerto Rico or the U.S. Virgin Islands; 2, the date We determine that You or someone on Your behalf intentionally misrepresented or fraud occurred; 3. the date the Policy is cancelled; 4. the date You are no longer a Cardmember; ?. the date Your Account ceases to remain Current and in Good Standing; or 6. the date the Plan is not available in the location where You maintain a Permanent Residence. Termination or Cancellation of coverage will not prejudice any daim originating prior to termination or cancellation subject to all other terms of the Policy. The Company has the right to cancel the Policy at any time by sending a written notice at least forty five (45) days in advance to You at Your last known address. The notice will include the reason for cancellation. Important Additional Information For You For those eligible and enrolled in the Membership Rewards' program, benefits are also paid when the purchased FDR 974934 s ?- property is received through the redemption of a Membership Rewards redemption certificate. Payment or credit will not exceed the original assigned value of the property received through redemption of a Membership Rewards redemption certificate up to the stated limits, excluding shipping and handling expenses. Benefits will not be paid when a Membership Rewards redemption certificate has been transferred to a non-eligible Cardmember or non- Cardmembers. This Description of Coverage replaces any other Description of Coverage that You may have previously received for Purchase Protection. This Description of Coverage is an important document. Please read it and keep it in a safe place. IN WITNESS WHEREOF, We have caused this Description of Coverage to be signed by Our officers: cri- Joy A- Ilanson, President John M. Collins, Secretary AMEX Assurance Company AMEX Assurance Company PP-DOC-CCSG 1 02/07 Applicable for Residents of the State of Kentucky In the Termination or Cancellation section the following is removed: The Company has the right to cancel the Policy at any time by sending a written notice at least forty five (45) days in advance to You at Your last known address. The notice will include the reason for cancellation. And replaced with the following: The Company has the right to cancel the Policy at any time by sending a written notice at least seventy-five (75) days in advance to You at Your last known address. The notice will include the reason for cancellation. PP/EW-RDRI-KY 05/07 Applicable for Residents of the State of Oregon In the Exclusions section the following are removed: 4. violation of a criminal law, offense or infraction; 6. fraud or abuse or illegal activity of any kind by the Cardmember; The Proof of Loss section is hereby removed in its entirety and replaced with the following: Proof of Loss Proof of Loss requires You to send Us all the information We request, at Your expense, in order that Your claim may be evaluated and that We may make a determination as to whether the claim may be paid. You must provide Us with satisfactory Proof of Loss within ninety (90) days after We have provided You with instructions and/or a claim form in response to Your Notice of Claim or Your claim maybe denied. Your Proof of Loss documentation maybe mailed to Us at the same address provided above for mailing Your Notice of Claim. We reserve the right to request all the information We deem necessary to determine that Your claim is payable, and We will not consider that We have received complete Proof of Loss until the information We have requested is received. Proof of Loss may require documentation consisting of, but not necessarily limited to, the following: 1. Purchase Protection Claim Form; 2. the original itemized store receipt; 3. the insurance declaration forms for Your other sources of insurance or indemnity (e.g., homeowner's or renter's insurance); 4. a photograph of and/or repair estimate for the damaged property; and 5. or theft and vandalism claims, a report regarding the stolen or vandalized property must be tiled with the appropriate authority before You call to file a claim under Purchase Protection. No payment will be made on claims not substantiated in the manner required by Us. If all required docu nentation is not received within ninety (90) days of the date of the Covered Incident (except for documentation which has not been furnished for reasons beyond Your control), coverage may be denied. It is Your responsibility to provide all required documentation We request. You may be required to send in the damaged property at Your expense for further evaluation of Your claim- If requested, You must send in the damaged property within ninety (90) days from the date of Our request to remain eligible for coverage. PP-RDRI-OR 05/07 Applicable for Residents of the State of South Dakota The Legal Actions section is hereby removed in its entirety and replaced with the following: Legal Actions No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has been received by Us. No such action maybe brought after six (6) years from the time Proof of Loss is required to be given. PP/EW-RDRl-SD 05/07 Applicable for Residents of the State of Vermont In the termination or Cancellation section the following is removed: The Company has the right to cancel the Policy at any time by sending a written notice at least forty five (45) days in advance to You at Your last known address. The notice will include the reason for cancellation. And replaced with the following: The Company has the right to cancel the Policy by sending a written notice at least forty five 145) days in advance to You at Your last known address. The notice will include the reason for cancellation. PP/EW-RDRI-VT 05/07 Applicable for Residents of the State of Alaska The opening paragraph in the Faclusion section is removed in its entirety and replaced with the following which is added and made part of the Description of Coverage: These exclusions do not apply if the dominate cause of a loss is a risk or peril that is not otherwise excluded. Benefits are not payable if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by: The Legal Actions section is hereby removed in its entirety and replaced with the following which is added and made part of the Description of Coverage: Legal Actions No legal action may be brought to recover against this Plan wttil sixty (60) days after Proof of Loss has been received by Us. No such action may he brought after three (3) years from the time Proof of Loss is required to be given. If there are any claims the three year timeframe does not begin to run until after the claim has been denied. PP/EW-RDRI-AK 06/07 Applicable for Residents of the State of Oklahoma The following is added to yew Description of Coverage: WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony. PPIEW-RDRI-OK 07/07 The following form numbers are applicable to residents in the following states: Arizona and Indiana, Form Numbers: PP-IND-CCSGI 07107, PP-IND-CCSG2 07/07, PP-IND-OSBN107/07, PP-IND- OSBN2 07/07 Texas, Form Number: PP-IND-TX 07/07 Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0948 and is subject to change with notice to you. This document does not supplement or replace the Policy. Please call us at the number at 1-800-437-9209 for a complete copy of your terms and conditions or if you need to file a claim. Travel Accident Insurance provides accidental death and dismemberment insurance while traveling on a Common Carrier Conveyance (plane, train, helicopter, ship, or bus) when the entire fare has been charged to the Card. As a benefit of Cardmembership, the Covered Person will receive a benefit level of coverage depending on the type of American Express Card account to which the entire fare for the Common Carrier Conveyance was charged for the covered trip. Covered Persons include the basic Cardmember, each additional Cardmember, and each of these Cardmembers spouses or domestic partners and dependent children under 23 years of age. All Covered Persons must have a permanent residence within the 50 United States of American or the District of Columbia. Allother persons are not Covered Persons under the Policy. The capitalized terms used herein shall have the meaning assigned to such terms in the Policy. Please note that certain terms contained in this summary are defined within the full policy document. Description of Benefits Accidental Death and Accidental Dismemberment. The Plan provides coverage for accidental death and dismemberment due to a loss from an injury while coverage is in force under the Policy, but only if such loss occurs within 100 days after the date of the accident which caused the injury. If more than one loss is sustained, benefits will be paid for the greatest loss. Benefits are paid according to the following schedule: • Loss of Life -100% • Loss of both hands or both feet - 100% Loss of one hand and one foot - 100% • Loss of entire sight of both eyes - 100% Loss of entire sight of one eye and one hand or one foot - 100% . Loss of one hand or one foot - 50% Loss of the entire sight of one eye - 50%. Common Carrier Benefit. This benefit is payable if the Covered Person sustains accidental death or dismemberment as a result of an accident which occurs while riding solely as a passenger in, or boarding, or alighting from, or being struck by a Common Carrier Conveyance on a covered trip. Exposure and Disappearance. If the Covered Person is unavoidably exposed to the elements because of an accident on a covered trip which results in the disappearance, sinking or wrecking of the common carrier conveyance, and if as a result of such exposure, the Covered Person suffers a loss for which benefits are otherwise payable under the Policy, such loss will be covered under the Policy; if the Covered Persons body has not been found within 52 weeks after the date of such accident, it will be presumed, subject to there being no evidence to the contrary, that the Covered Person suffered loss of life as a result of injury covered by the Policy Beneficiary The Basic Cardmember may designate a beneficiary or change a previously designated beneficiary for himself or herself and his or her spouse or domestic partner and dependent children who are not Additional Cardmembers. An Additional Cardmember may designate a beneficiary or change a previously designated beneficiary for himself or herself and his or her spouse or domestic partner and dependent children who are not also the Basic Cardmember, the Basic Cardmembers spouse or domestic partner or children, or Additional Cardmembers. If no beneficiary is designated benefits will be paid to the surviving person or equally to the surviving persons in the first of the following classes: spouse or domestic partner; children, equally per stirpes; and the estate. Exclusions The Policy contains the following exclusions: • suicide or self-destruction or any attempt thereat, while sane or insane; intentionally self-inflicted injury, suicide or any attempt thereat, while sane • war or any act of war whether declared or undeclared; however, any act committed by an agent of any government, party, or faction engaged in war, hostilities, or other warlike operations provided such agent is acting secretly and not in connection with any operation of armed forces (whether military, naval or air forces) in the country where the injury occurs shall not be deemed an act of war • injury to which a contributory cause was the commission of or attempt to commit an illegal act by or on behalf of the Covered Person or his/her beneficiaries • injury received while serving as an operator or crew member of any conveyance • injury received while driving, riding as a passenger in, boarding or alighting from a rental vehicle • injury received during or as a result of commutation sickness, physical or mental infirmity, pregnancy, or any medical or surgical treatment for such conditions, unless treatment of the condition is required as the direct result of an injury. Termination or Cancellation Coverage under the Policy will cease on the earliest of the following: FDR 974934 • the date the Covered Person no longer maintains a permanent residence in the 50 United States of America or the District of Columbia • the date we determine that the Covered Person or someone on the Covered Persons' behalf intentionally misrepresented or fraud occurred • the date the policy is cancelled • the date the basic Cardmember's account ceases to remain current and in good standing • the date the plan is not available in the location where the Covered Person maintains a permanent residence. The Company has the right to cancel the Policy at any time by sending a written notice at least forty five (45) days in advance to you at your last known address. The notice will include the reason for cancellation. Form Numbers: TAI-DOC 03/07 Forms in addition to those listed above are also applicable to residents in the following states: Connecticut, Form Number: TAI-RDRI-CT 03/07 Illinois, Form Number: TAI-RDRI-iL 03/07 Kansas, Form Number: TAI-RDRI-KS 03/07 Maine, Form Number: TAI-RDRI-ME 03/07 Minnesota, Form Number: TAT-RDRI-MN 03/07. In the Exclusions section the following replaces die exclusion regarding illegal acts: injury in which a contributory cause was the commission of or attempt to commit a felony by or on behalf of the Cowered Person or his beneficiaries. Nevada, Form Number: TAT-RDRI-NV 03/07. In the Termination and Cancellation section the forty five (45) day advance written notice is replaced by a sixty (60) day advance written notice. New York, Form Number TAI-RDRI-NY 03/07. Covered Persons does riot include language requiring a permanent residence within the 50 United States of American or the District of Columbia. The following replaces the exclusions found in the Exclusion section: • suicide, attempted suicide or intentionally self-inflicted injury war or any act of war, whether declared or undeclared; participation in a felony, riot or insurrection; service in the Armed Forces or units auxiliary thereto • injury in which a contributing cause was the Covered Person's commission of or attempt to commit a felony or to which a contributing cause was the Covered Person's being engaged in an illegal occupation • sickness, except for an infection that was the result of an Injury • mental or emotional disorder • pregnancy, except complications of pregnancy and except to the extent coverage is required pursuant to Section 3221 of the New York Insurance Law • the consequence of the Covered Person's being intoxicated or under the influence of any narcotic unless administered on the advice of a physician. In the Termination and Cancellation section the fallowing is removed in its entirety: the date the Covered Person no longer maintains a permanent residence in the 50 United States of America or the District of Columbia. In the Termination and Cancellation section the following replaces the language regarding misrepresentation or fraud: the date we determine that the Covered Person or someone on the Covered Persons' behalf intentionally misrepresented or fraud occurred in a written instrument signed by the Covered Person. North Carolina, Form Number: TAI-RDRI-NC 03/07 Oklahoma, Form Number: TAI-RDRI-OK 03/07. In the Exclusions section the following replaces the exclusion regarding war: war or act of war, declared or undeclared, while serving in the militaryservice or any auxiliary unit attached thereto. Texas, Form Number: TAI-RDRI-TX 03/07. Covered Persons include dependent children under 25 years of age who are stepchildren; adopted or a parry to a suit to be adopted children; grandchildren who are unmarried and dependent on the Cardmember for tax purposes at the time the application for coverage is made; and physically or mentally handicapped children who are unmarried, cannot self-support themselves, and are beyond the termination age. Vermont, Form Number TAI-RDRI-VT 03/07. In the Exclusions section the following replaces the exclusion regarding suicide: suicide or self-destruction or any attempt thereat, while sane; intentionally self-inflicted injury, suicide or any attempt thereat, while sane. In the Exclusions section the following replaces the exclusion regarding specific conditions: sickness, physical infirmity, pregnancy, or any medical or surgical treatment for such conditions, unless treatment of the condition is required as the direct result of an injury. Description of Coverage Car Rental Loss and Damage Insurance provides the Cardmember, if the Cardmember is the primary renter, (as defined below) with insurance coverage for damage to or theft of most Rental Autos when the Cardmember uses the Card (as described below) to reserve and pay for an auto rental from any Commercial Car Rental Company ("Rental Company") other than those located in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand.' This coverage is always excess insurance. Rental Auto means a four-wheeled, two-axle passenger- type motor vehicle, designed for and sold to accommodate private passenger transport on public roads. Who is Eligible for Coverage You are eligible for coverage if 1. You area Basic or Additional Cardmember and an American Express" Card or Optima' Card in association with that Card (the "Card") has been issued to you in your name; 2. You are of an account status and class that is provided Car Rental Loss and Damage insurance as a benefit of Cardmembersbip ("Cardmember"); 3. Your Card account is billed from a US. operating center in U.S. dollars; and 4. You maintain your Permanent Residence within the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Mrgin Islands. Permanent Residence means the Covered Person's one primary dwelling place where die Covered Person permanently resides and intends to return. A Personal, Gold, or Rewards Plus Gold Cardmember who is enrolled at an accredited four-year college, university or graduate school in the United States and is receiving student benefits provided as a benefit of Cardmembership is not eligible for benefits under this Policy. Commercial Car Rental Company or Car Rental Company means any commercial car rental agency which rents Rental Autos.' For the purposes of this Description of Coverage, Commercial Car Rental company means "Rental Company." How to Activate Coverage Coverage for theft of or damage to a Rental Auto is activated when the Cardmember:' 1. presents his or her eligible Card to the Rental Company to reserve the Rental Auto by making a reservation; or by placing a hold or deposit at the time the Rental Auto is checked out; 2. declines the full Collision Damage Waiver or similar option (CDW), or pays for a partial collision damage waiver, offered by the Rental Company; 3. is the primary renter, which is defined as the Cardmember, who is named on the written agreement with the Rental Company as the person renting and taking control and possession of the Rental Auto ("Primary Renter"); and 4. uses the Card to pay for the entire auto rental from the Rental Company at the time of vehicle return. Coverage continues in effect while the Cardmember remains in control and possession of the Rental Auto. A Cardmember, who is physically challenged and unable to operate the Rental Auto, may be the Primary Renter if he/she is the Cardmember entering into the rental transaction. When Coverage Terminates Coverage for theft of or damage to the Rental Auto terminates when: 1. the Rental Company resumes control of the Rental Auto, or 30 consecutive days after the Rental Auto was checked out, whichever is earlier; or 2. the Policy is cancelled. Length of Coverage Car Rental Loss and Damage insurance covers eligible Rental Autos when rented under a written rental agreement from a Rental Company for no more than 30 consecutive days. Note; In no event shall coverage be provided when the Cardmember rents a Rental Auto beyond 30 consecutive days from the same Rental Company, regardless of whether the original agreement is extended, or a new written agreement is entered into, or a new vehicle is rented. Additionally, no coverage will be provided when the Primary Renter rents a Rental Auto for more than 30 consecutive days out of a 45-day period within the same geographic market/location (75 mile radius). What is Covered Car Rental Loss and Damage Insurance reimburses a Cardmember for payments for damage to or theft of a Rental Auto that the Cardmember is required to make, up to the lesser of l) the actual cost to repair the Rental Auto, 2) the wholesale Book value minus salvage and depreciation costs, or 3) the purchase invoice price of the Rental Auto minus salvage and depreciation costs. The coverage also reimburses the Cardmember for reasonable charges (those charges incurred at the closest facility that are usual and customary in the vicinity in which the loss or disablement took place) imposed by the Rental Company, such as towing or storage and Loss of Use. Loss of Use means the unavailability of a Rental Auto and consequent loss of revenue by the Rental Company due to damage or theft. Unless otherwise required by law, the Rental Company must submit a fleet utilization log indicating that during such time: 1. no other Rental Auto was available; and 2. there was a demand for a Rental Auto. Car Rental Loss and Damage Insurance covers no other type of loss. For example, in the event of a collision involving the Cardmembers Rental Auto, damage to any other driver's car or the injury of anyone or anything is not covered. Note: This policy does not provide liability or any other coverage such as Uninsured Motorists, benefits under any Workers Compensation law; Disability benefits law or other mandated Government Plans. What Excess Coverage Means Car Rental Loss and Damage Insurance is an excess insurance plan. This means that this excess coverage will reimburse the Cardmember only for losses/expenses not covered by plans, such as a partial collision damage waiver, any personal auto insurance, employer's auto insurance or reimbursement plan or other sources of insurance. When these other plans apply, a Cardmember must first seek payment or reimbursement and receive a determination based on the stated terms of such other Plans, that any such Plans do not provide coverage before this excess coverage will reimburse the Cardmember. Vehicles Not Covered Car Rental Loss and Damage Insurance does not cover rentals of: 1. expensive cars, which means cars with an original manufacturer's suggested retail price of $50,000 or more when new; 2. exotic cars regardless of year or value, including but not limited to Chevrolet Corvette, Toyota Supra, Mazda RX-7, Dodge Viper and Stealth, Plymouth Prowler, Mitsubishi 3000 GT, Nissan 300 ZX, Jaguar XJS, Acura NSX, Mercedes SL, SLK, S Coupe and E320 Coupe and Convertible, BMW M3, L3 and 8 Series, Cadillac Allante and all Porsche, Ferrari, Lamborghim, Maserati, Aston Martin, Lotus, Bugatti, Vector, Shelby Cobra, Bentley, Rolls Royce; 3. trucks, pick-ups, cargo vans, custom vans; 4. full-sized vans, including but not limited to, Ford Econoline or Club Wagon, Chevy Van or Sportvan, GMC Vandura and Rally, Dodge Rain Vans and Ram Wagon; 5. vehicles which have been customized or modified from the manufacturer's factory specifications except for driver's assistance equipment for the physically challenged; 6. vehicles used for hire or commercial purposes; 7. mini-vans used for commercial hire; Note: Passenger Mini-bans (not Cargo Mini-Vans) with factory specified seating capacity o(8 passengers or less, including but not limited to, Dodge Caravan, Plymouth Voyager, Ford N indstar and Nissan Quest, are covered when rented far personal or business use only. FDR 974934 8. antique cars, which means cars that are 20 years old or have not been manufactured for 10 or more years; 9, limousines; 10. full-sized sport utility vehicles, including but not limited to, Chevrolet/GMC Suburban, Tahoe and Yukon, Ford Expedition, Lincoln Navigator, Toyota Land Cruiser, Texas LX450, Range Rover or full-sized Ford Bronco; 11. sport/utility vehicles when driven "off-road"; and Note: Compact sport/utility vehicles, including but not limited to Ford Explorer, Jeep Grand Cherokee, Nissan Pathfinder, Toyota Four Runner, Chevrolet Blazer and lsuzu Trooper and Rodeo are covered when driven on paved roads. 12. off-road vehicles, motorcycles, mopeds, recreational vehicles, golf or motorized carts, campers, trailers and any other vehicle which is not a Rental Auto. Losses Not Covered Car Rental Loss and Damage Insurance does not cover losses caused by or contributed to by: 1, operation of the Rental Auto in violation of the terms and conditions of the Rental Company agreement (including but not limited to losses occurring when: a person not permitted to operate the vehicle pursuant to terms of the rental agreement was in possession or control of the vehicle; or, driving the vehicle outside of the authorized rental territorv); 2. leased or mini-leased vehicles; 3. costs attributed to the Commercial Car Rental Company's normal course of doing business; 4. intentional damage; 5, illegal activity, such as losses where the Rental Auto was used for, or involved in illegal activity or felony; 6. pre-existing conditions, damage or defect; 7. alcohol intoxication on the part of the driver, as defined in the state where the Accident occurred; 8. voluntarily taking any drug or acting under the influence or effect of that drug (unless taken as prescribed or administered by a Doctor); 9. year or military activity; 10. radioactivity; 11. confiscation by authority; 12. wear and tear, including gradual deterioration; 13. damage which is due and confined to freezing, mechanical or electrical breakdown or failure unless such damage results from a theft covered by the Policy; 14. failure to return keys to the Rental Company when the vehicle is stolen; 15, theft or damage to unsecured vehicles; 16, theft of or damage to tires (flats or blowouts), unless damaged by tire, malicious mischief; vandalism, or stolen, unless the loss is coincident with and from the same cause as other loss covered by the Policy; and 17. off-road operation of the vehicle. Car Rental Loss and Damage Insurance does not cover, and benefits will not be paid for, 1, sales tax related to repair of damages, unless reimbursement of such sales tax is required by law; 2. damage to any vehicle other than the Rental Auto; 3. damage to any property other than the Rental Auto, owner's property, or items not permanently attached to the Rental Auto; 4. die injuryof anyone or anything; 5. expenses assumed, waived or paid for by the Rental Company or its insurer; 6. expenses covered by the Cardmembers personal auto insurer, employer or employer's insurer, or authorized driver's insurer; 7. value added tax or similar tax, unless reimbursement of such tax is required by law; 8. diminishmentofvalue; 9, any Rental Auto used for hire or commercial purposes; and 10. depreciation, unless reimbursement for depredation is required bylaw. flow to File a Claim Notification of damage, including vandalism, theft, or an accident must he reported to the appropriate law enforcement agency as soon as reasonably possible. This requirement applies regardless of whether the Rental Auto is involved with other vehicles. Failure to notify may result in denial ofbenefits. If a loss occurs, a Cardmember should promptly notify the Car Rental Loss and Damage Claims Unit toll free at (800) 338-1670 in the U.S. only or call (440) 914-2950 from other locations worldwide. If the failure of a Cardmember to promptly report a loss prejudices the rights of the Insurer, the claim maybe denied. A representative will answer any questions a Cardmember may have and will send the Cardmember a claim form with instructions. Complete and sign the claim form. Written proof of loss, which includes the claim form and all other requested documentation (listed below), must be received within 60 days following the date of the damage or theft by: American Express Car Rental Loss and Damage Claims Unit, PO Box, 94729, Cleveland, Ohio 44101.4729. If the proof of loss and other documentation is not received within 60 days of the date of loss, coverage may be denied. Required documentation may consist of, but is not limited 1. our signed and completed claim form; 2. an itemized repair bill; 3. a copy of charge slip for the rental of the Rental Auto, Rental Auto contract or machine generated receipt to show rental was charged and paid for with an American Express Card; 4. a police report (if applicable); 5. photos of the damaged vehicle, if available; 6. a copy of the Cardmember's, authorized driver's or employer's auto insurance coverage, or a notarized letter stating no insurance; 7. a copy of all claim documents and correspondence, provided by the Car Rental Company; 8. a copy of the Rental Company's utilization log; 9. a copy of the drivers license of the Cardmember and/or authorized driver, unless the driver's license number shows on the rental agreement; 10, a copy of the written rental agreement, front and back, which documents when the Rental Auto was checked out and checked in; and 11, information pertaining to other available insurance coverage(s). Cardmember cooperation with issues related to their benefits is required. If all required documentation is not received within 180 days of the date of loss (except for documentation which has not been furnished for reasons beyond the Cardmember's control), coverage may be denied. How Benefits are Paid All Car Rental Loss and Damage Insurance payments reimbursable under the policy are payable to the Cardmember; except that payment may be made, at the discretion of the insurer, jointly to the Cardmember and the Commercial Car Rental Company when the Car Rental Company has not been reimbursed for the covered loss or damage, or the Cardmember has not validly assigned his/her payments to the Rental Company or any other party. Note: Benefits will not be paid if, on the date of loss, on the date of claim filing, or on the date of polential claim payment, any amount due on Your Card account is past due or Your Card is cancelled.' Rights of Recovery In the event of a payment under this Policy, the Insurer is entitled to all the rights of recovery that the Cardmember, to whom pal ment was made, has against another. That Cardmember must sign and deliver to the Insurer any legal papers relating to that recovery, do whatever else is necessary to help the Insurer exercise those rights and do nothing after loss to harm the insurer's rights. When a Cardmember or Commercial Car Rental Company has been paid damages under Policy No. AX0925, and also recovers from another, the amount recovered from the other shall be held by that Cardmember or Commercial Car Rental Company in trust for the Insurer and reimbursed to the extent of the Insurer's payment. As a condition precedent to coverage, the Cardmember is required, and has a duty to fully cooperate with the Insurer in any investigations, subrogation matters or legal proceedings by providing copies of any and all legal notices and any and all statements, including sworn statements and contributing any other papers and documents to reasonably assist in the disposition of the legal matter. Notification of Legal Action When a Cardmember is served with suit and/or summons papers relating to a Car Rental Loss and Damage claim, the Cardmember must notify (see address and phone number under Claims Notice section) and provide copies of the suit or summons papers to the Car Rental Loss and Damage claims unit within 15 days of when the Cardmember is served. Failure to comply may result in denial of benefits. Additional Information for You This coverage is underwritten by AMEX Assurance Company ("Insurer") through insurance Policy AX0925 (the "Policy") issued to American Express Travel Related Services Company, Inc. and its participating subsidiaries, affiliates and licensees. The Policy may be changed or terminated. This Description of Coverage is an important document. Please keep it in a safe place. Although it describes the present form of insurance as it exists at the time of printing, this document is not the Policy or contract of insurance. The benefits described in this document are subject to all of the terms, conditions and exclusions of the Policy issued by the underwriter. This document replaces any prior Description of Coverage under the Policy which may have been furnished to the Cardmember. Joy A. I lanson, President John M. Collins, Secretary AMEX Assurance Company AMEX Assurance Company CRI.DI-DOC-CCSG 11105 1. For those eligible and enrolled in Membership Rewards, if a Membership Rewards redemption certificate is used coverage is provided only to Rental Autos rented in the United States. 2. When used in conjunction with a Membership Rewards redemption certificate, the participating Car Rental Companies are limited to Hertz, National and Budget. 3. If eligible and enrolled in Membership Rewards, coverage is also activated when the Cardmember (1) presents a Membership Rewards redemption certificate and (2) uses a Membership Rewards redemption certificate at a participating Commercial Car Rental Company. Important note for those enrolled in Membership Rewards: A Membership Rewards redemption certificate can only be redeemed by eligible Cardmembers. Benefits will not be paid when a Membership Rewards redemption certificate has been transferred to non-eligible Cardmembers and/or non-Cardmembers. 4. Does not apply to New York State residents. Additional Information for Residents of Louisiana The Rights of Recovery section is replaced with the following: If the Company makes any payment under this Policy and the Cardmember has the right to recover damages from another, the Company shall be subrogated to that right. However, the Company's right to recover is subordinate to the Cardmember's right to be fully compensated. CRLDI-RDRI-LA 11/05 Additional Information for Residents of South Dakota Under Losses Not Covered, item number 5. is replaced with the following: Car Rental Loss and Damage Insurance does not cover losses caused by or contributed to by: 5, violation of criminal law, or commission of a criminal act, whether cited or charged; Under Losses Not Covered, item number 7. is replaced with the following: Car Rental Loss and Damage insurance does not cover losses caused by or contributed to by: 7. consumption of alcohol at or in excess of the legal blood alcohol level for a felony conviction in the state or locality in which the Accident occurred; CRLDI-RDRI-SD 11/05 Additional Information for Residents of Vermont Under Losses Not Covered, the following item is hereby removed: 7. alcohol intoxication on the part of the driver, as defined in the state where the Accident occurred; CRLDI-RDRI-VT 11/05 Additional Information for Residents of Wisconsin Under Losses Not Covered, the following items are hereby removed: 5. illegal activity, such as losses where the Rental Auto was used for, or involved in illegal activity or felony; 7. alcohol intoxication on the part of the driver, as defined in the state where the Accident occurred; 8. voluntarily taking any drug or acting under the influence or effect of that drug (unless taken as prescribed or administered by a Doctor); FDR 974934 Under Losses Not Covered, the following item is added: 18. The use of the Rental Auto for unlawful purposes, or for transportation of liquor in violation of law, or while the driver is under the influence of an intoxicant or a controlled substance or controlled substance analog, or a combination thereof, or under the influence of any other drug to a degree which renders him or her incapable of safely driving, or under the combined influence of an intoxicant and any other drug to a degree which renders hint or her incapable of safely driving, or any use of the motor vehicle in a reckless manner. CRLDI-RDR I -WI 11 /05 Additional Information for Residents of West Virginia Under How Benefits are Paid, the Footnote, to the note that reads: Note: Benefits will not be paid if, on the date of lass, on the dale (it claim filing, or on the date of potential claim payment, any amount due on Your Card account is past due or Your Card is cancelled, is hereby revised to read as follows: Does not apply to West Virginia and New York State residents. CRLDI-RDRI-WV 11/05 Additional Information for Residents of North Carolina A portion of the fees associated with this Card are applied to the insurance benefit. CRLDI-RDRI-NC 11/05 The following form numbers are applicable to residents in the following states: Arizona and Indiana, Form Numbers: CRLDI-IND-CCSG 11/05; CRLDI-IND-OSBN 11105; CRLDI-IND-PLAT 11105; CRLDI-IND-CEN 11/05; CRLDI-IND-OSBN-PLAT I1/05; CRi.Di-IND-End 1 10/08 Texas, Form Numbers: CRLDI-IND-CCSG-TX 11/05; CRLDI-IND-OSBN-TX 11/05; CRLDI-IND-PLAT-TX 11105; CRLDI-IND-CEN-TX 11/05; CRLDI-IND-OSBN-PLAT-TX 11/05. The following is added to the policy: This policy only provides coverage if you decline the full Collision Damage Waiver offered by the Rental Company. This policy is not automobile liability insurance and does not comply with any financial responsibility law. Your personal automobile insurance policy may or may not provide coverage for your responsibility for the lass of or damage to a rented vehicle during the rental term. Before deciding whether to purchase a damage waiver, you may wish to determine whether your automobile insurance policy provides you coverage for rental vehicle damage or loss. Ifyou file a claim under your personal automobile insurance policy, your insurance company may choose to no renew your policy at your renewal date, but may do so only if you are at fault for the claim. A Termination and Cancellation section is added: Coverage will cease on the earliest of the following - the date you no longer maintain a permanent residence in the 50 United States of America or the District of Columbia; the dale the determine that you or someone on your behalf intentionally misrepresented or fraud occurred; the date we cancel the Policy; the date you are no longer a Cardmember, or the date the Policy is not available in the location where you maintain a Permanent Residence. if the Policy is cancelled, we will send written notice at least forty five (45) days in advance We may not cancel or non-renew this Policy based solely on the fact that you are an elected official- FDR 974934 Exhibit B Blue from e American Expmssom Fhrpxad rx KENNETH A SHOLLEY DUPLICATE COPY Ifiii,i iersh Ro iralwls a! 118?t3y°lOB.; wtrer?;nha,9ai: i?i,e'are pdid:iil: ':full b?id:etE nC,cQimis are intjbridstan?ir'g; • A XU- k1.rter Mom D<rA XXXX-XXXXXO-51007 09/10108 Page 1 of 5 Nm A_fiky i Minimal rw. /wll1?rireM! ald t New auitc-? AeIOLIRt Dire r'trr Uri EiJ1lPrA 1• Paprrrl Malys f'IM1:? ew;, f -VV 5ti 117. W -106.00 +60.69 X5,073.62 Credit Line Summary on 091110U06 Total Credit Available Cr&A Gash Advance Available Gash Line $ Lift $ Limit $ Limit $ 20,000.00 14.9M.39 3,206.00 3,240.00 Payment Due Date 4$130108 Please rotor to page 2 Rx imp3rtant information regarding your a=U11j To manage your Card account online or to pay your bill, please visit us ftt www.arrorica nexprose.com, For additional contact information, please see the reverse side of this page. V91m Ewaitled in Aoeeeot ltilecflor. Arnericmn Express Pays the minimum month ly balance m your aco0gnt when you erperimm rii4ble ewes such as hos*IvxticD or di`mbility. Lam Mom ad &P-al1talriClliiiiiiuitP"W'C0nllshll WI A . t ft 'indcmasoo .rVd k -•-• ... _. .. .. --- PM061MI9 _ ........... .. .... .....,..,,r.Y ?._.--.... _ .0&2= " ::FiAYMEKIT:RECE)VEDACCN*-7HANK-you. _ •":::..; ::106:00. New Activity for KENNETH A SHOLLEY [: x)mx-%XK%Xd SiDC7 _ Ofrd31108 BJS FUEL#9025 00000CAMP HILL PA 20.69 80025725e2 Description Price AUTOMATED FUEL 20.69 DWI (IRIS Padodic FINANCE CKARGE 40.00 Total of Now AotlvkV 60.69 j Please imid an IwFxskaJk:° below. dfiW9 am -AwnwlNl voir pwrgm { Corkmed on Page 3 Do not staple or use paper clips ,tip w l „uN Payment Due Do* Please enter your Kcooarrt Paymont Coarpon 3715-269360.51007 "riwo8 number on all checks sold carrespondence. Newr Soul! Mace check payaone to l?lrtld?lrll??l?ld?rl?rl11alr?t?rllllallllr11111?11rrr?.lllr?L $ 5,973.62 American Express. KENNETH A $H O i. t l Y Minimum Amount Due 101.00 see Fin ante Charge section on reverse side for 639 GETTYSBUR6 PIKE a description otwhen MECHBG PA 17055- 5725 adI tional Finance Charges we not assessed rM Purchases- Check here it your address Amount enclosed or phone number figs note changed, Please Mail Payment to: u 111 d1 u.1I1II1111I,IIIIIiIa.IIIIII Jill 111111411 1111111 11 IIIII changes on reverse side. AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 0004371526936051007 000507362000010100 09 rl Ilslle from R Amedcan Expmssom Rvq wed Fur KENNETH A SHOLLFY 5,056.71 Crum Llne - 5urrmrary on 12111/08 P.I,end nc1 -105.00 Total Chnidlt Lirm $ 20,000.00 DUPLICATE COPY Awnur Nunx- XXXX-XXXXXO-51007 ,m)tairnyS nk. ..uwn. R,o Hr.vira . r argr +1$0.6$ Available Credit Line $ 14,867.67 NeVA BMWs -5,132.33 Cash Advance Limit is 3,200.00 ^n:1,, 1.alc 12/11/013 1"16- "01111thip ::. ? :: ? : ?•P4l?iiratllril ? : ? ° ? °? ;at:jl ih+irlieih CE,arfjeaa:dlh0.7ria00in: • full - ell:a6DoL lid WON. 9DIXI PIVOIN. , rlltinimum Anm t Duo S Available Cash Limit $ 3,200.00 Page 1 of 3 Paym*M Due Date 12131/08 Please refer to PpaWpe 2 for irrWriamt irsormation regarding your account To manage your Card account online or to pay your bill, please visit us at www.amedcanexpress.com. For additional contract information, please see the reverse side of this page- . Aetitiity '.,alp e?en?de?s AffMulta :'..:: :::=111fiaQ:: ::i1J26f0:: PfA'?IJIEIVTIE YEt7AQH;-'ffiNVKYOU. New Activity for KENNETH A SHOLLEY - AawantI C=xX X-xxxxx 5i= 11115108 FISHER AUTO PARTS MECHANICSSURG PA 40.00 INDUSTRIAL SUPPLY 11130108 BJ'S 025 CAMP HILL CAMP HILL PA 99.7$ BJS CLUB 1.800.257-2582 12111108 Periodic FINANCE CHARGE 40.87 Total of Now Aodwity 180.62 Flnorme Charges AvereDa Dal Cady Aotua ANNUAL Nominal ANNUAL Periodic Billing days this period: 30 Balance i Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGES Purchases 3,004.79 0.0301% 1098% 10.99% 27.13 Cash Advances 0.00 0.0520% D.00% 18.9996 0.00 Check! balance Transfer 2,091.49 0.0219% 7.99% 7.W% 13.14 40.87 Certain of the periodic rates and APBs above may be variabla Thoes rates may vary based upon the prime rate identified ire the wall Street Journal, as described n your Cardmember Ayreerrwnt as curtly in effect. } Plese Ida ar. ?hr Pe., kxYian k7elbx. dELro? a1C •'4dl91 wIIR YnJr pfi?rcnn { Duo not ataple or use paper dips ,, ?,•?,,,,?, payment coupon 3715-26936Q-51007 1111-r111PIuII114111i1111ndorAt lt. 1..11611,6111111111611 KENNETH A SHOLLEY 639 GETTYSBURG PIKE MECHANICSBURG PA 17055-5725 Payment Dus Dsts: To Pay by Cdnputer, visit: IW311108 americanexpress.comW. Now Ballowe = 54132.33 Minimum Amou.It Dore $103.00 S AMOUnt enclosed Mai I payment to: 11+1un1?11urlhrgtrl1n?1111i11i1g1rlplrui?ul11rin1r141 AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 Eileen account a umber on all document&. Mahe dleck payable to American Express See Firtancce Charge section an reverse side for a description of when aOdonal Finance Charges are not assessed on Purchases- ChBck here it your address or phone number hail chahlQed. Note ohanges on 7me side. 0000371526936051007 000513233000010300 09 A Blue from American Express am Prepared For KENNETH A SHOLLEY Account Number Closing Date XXXX-XXXXX0-51007 01/11/09 Ac?New Activity $ Minimum Finance Chees?if aarry New Balance $ Amount Due $ Previous Selene $ Payment Activity $ 5,132.33 -105. +107.3 =5,134.7 Credit Line Total Credit Available Credit Cash Advance Available Cash Summary Line $ Line $ Limit $ Limit $ on 01/11/09 20,000.00 14,865.30 3,200.00 3,200.00 11,935 Membership Rewards Points Available at 12/31/08, when charges due are paid in full and all accounts are in good standing. Page 1 of 3 Payment Due Date 01131/09 Please refer to page 2 for important information regarding your account To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. Activity • Indicates posting data Amount 11 12124/08' PAYMENT RECEIVED ACH -THANK YOU -105.00 New Activityfor KENNETH A SHOLLEY Card MX-MOO 1007 Amount tt 12/13/08 FISHER AUTO PARTS MECHANICSBURG PA 39.40 INDUSTRIAL SUPPLY 12/16/08 BJS FUEL #9025 00000CAMP HILL PA 17.00 8002572582 Description Price AUTOMATED FUEL 17.00 01/11/09 Periodic FINANCE CHARGE 50.97 Tots of New Activity 107.37 + Please fold on the perforation below, detach and return with your payment + Do not staple or use paper clips Account Number Payment Coupon 3715-269360-51007 I'III'111111'llllllll'll'1111"II'11'1'11"'lllllllll'llllll'I"I KENNETH A SHOLLEY 639 GETTYSBURG PIKE MECHANICSBURG PA 17055-5725 Continued on Page 3 Payment Due Date: To Pay by Computer, visit: 01/31/09 americanexpress.com/pbc. • I Amount enclosed Enter account number on New Balance all documents. $ 5,134,70 Make check payable to American Express. Minimum Amount Due $103.00 See Finance Charge section on reverse side for a description of when additional Finance Charges are not assessed on Purchases. Mail Payment to: Itlllillllr4r411rllrltllllrll?rrlllltihlrnrlllllllllltirlltr AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 Check here it your address or phone number has changed. Note changes on 7 rse side. 0000371526936051007 000513470000010300 09 H Blue from Membership Rewards Points Available American Express tint at 01/31/09, when charges due are paid in full and all accounts are in good standing. Prepared For Account Number posing Date KENNETH A SHOLLEY XXXX-XXXXX0-51007 02/10/09 Page 1 of S New Activity $ Minimum inc. Aduetmente and Payment Due Date Previous Balance $ PaymentAdivi $ Finance Chsi it any New Balance $ Amount Due $ 03/02/09 5,134.70 -105.0 +49.11 1 =5,078.61 Please refer to page 2 for important information regarding your account Credit Line Total Credit Available Credit Cash Advance Available Cash Summary Line $ Line $ Limit $ Limit $ on 02/10/09 6,200.00 1,121.16 200.00 200.00 See Page 4 For A Notice Of Changes To Your Agreement See Page 7 For An Important Privacy Notice Please note, your credit limit is $6,200.00 and your cash limit is $200.00. To manage your Card account online or to pay your bill, please visit us at www.americanexprose.com. For additional contact information, please see the reverse side of this page. Here's an Easy Way to Earn Rewards - Set up your wireless, cable and other household bills for automatic payment on your eligible American Expresse, Card • - Simply contact your provider or go to americanexpress.com/billsWpay to learn more With automatic bill payment, avoid late fees and earn rewards while your household bills are automatically paid on your eligible Card. Not all American Express Cards are eligible to earn rewards. Terms, conditions, and restrictions apply to individual Card products. AC? L I V lty *indicates posting date Amount $ 01122109' PAYMENT RECEIVED ACH -THANK YOU -105.00 New Activity for KENNETH A SHOLLEY Amount 11 CardXXXX-XXXXXO1007 02/10/09 Periodic FINANCE CHARGE 49.14 Total of New Activity 49.14 Please told on the perforation below, detach and return with your payment i Do not staple or use paper clips Amount Number Payment Coupon 3715-269360-51007 1111111'' I' I I' I I "' 1' I I I 1111111111111111 " I I' I I I I' I" I 11111111111 KENNETH A SHOLLEY 639 GETTYSBURG PIKE MECHANICSBURG PA 17055-5725 Continued on Page 3 Payment Due Date: To Pay by Computer, visit: 03/02/Og americanexpress.com/pbc. New Balance $ 5,078.84 Minimum Amount Due $102.00 $ I • I Amount enclosed Mail Payment to: 1111'IIIr?11111'1"III?tIII1?I1111111111111t111'11111'1'1"11"'I AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 Enter account number on all documents. Make check payable to American Express. See Finance Charge section on reverse side for a description of when additional Finance Charges are not assessed on Purchases. Check here if your address or phone number has changed. Note changes on 7 rse side. 0000371526936051007 000507884000010200 09 H DUPLICATE COPY • irfte: Aloe from Paiaill?:...1+?IIsbM • American Exp?ss'" ....WA a?oa? wl?ai ? ?ss.A*w .fair and al :9eri?i<ts. ? ?h 00 ow* P. n wd F. KENNETH A SHOLLEY A=nd Mine, 3Gre Jew Xxxx-xxxxxa-sio07 03(1009 ""'ekyi Minimum hit A d'dobra la rvi F.-OoDW sidwde P.? '-ni eriAwy L flra ca r r+ry New Me" Amao " Dft 5,078.84 ' 0 .QQ +48.92 88,072-7$ cniit urn summpay on 03d1 210g Totil'Credit Available cram Casl1 Ad;#i a Availahle Cash Line S Line S Unlit $ Urnit $ 6,200.00 1,177.24 20D.00 200.b0 Page 1 of 5 Payment Duo Date 84101109 PI®aso notierto papa 2 for important inlormation regan,ing your aocount To manage your Gard account online or to pay your bill, please visit us at www.smerionnexpress.com. For addltlonal contact information, phase see the reverse side of tNs page. Simplify Taxes with Your OnNne Year-End Summary Organizing your finances can be a time-consuming task. That's why we provide a Year-End Summary of charges for Cardmembers, At the beginning of each yearn, charggees processed and posted to your account on and before December 31 will be available online. Then, you can sort your spending by category or sub-category and review each transaction--or download your irtforrnation to pant or save for a later date. With all your purchases itemized in one place, it's a great tool you can rely on to help prepare your taxes and manage your spending. Visit ame4conexpress.comlyearendsumrnary to learn more, Activity lntlc?rapaeEryd -- . /Ynouna S 02i'1 ......:......111E]IT.:REC,fiV?Qi1GN:'rHPiNKYQV . 1:05.D0: New Activity for KENNETH A SHOLLEY ""0Y"'s CwaxxacsxY.xxxD•fi,rm _ 03MMS Periodic FINANCE CHARGE -- -- - - - 48.82 Total of Now Activity 48.92 i 'rauc ^FN al do pedorann bdoe, dul:ch Ord i rim n w.th you 0.: i m Do riot staple or line paper claps : aunt Nur.89r Payment Coupon 37149-20MO-51047 "lhlh?lllh'?'lllail'rl"'I'lll•luu?h?l' nP"lllhlr4l., KENNETH A SHOLLEY 639 GETTYSBURG PIKE MECHANICSBURG PA 17055-5725 aN O • N Conrirlwd oft Paper 3 Payment Dug Date: To Pay by Compulw, visia: 04101108 arnerlcanexpre9s.e0rrypbo. Now Balw+or $5,02276 MiniesYm Amount Due 0106.00 Annourt enclosed Mail Payment to: III III III sell 111jill Jill AMERIGAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 are im side 0000371526936051047 000502276000010UDU ?9 rl Enter account number on all documents. Mike check payade to American Express. See Finano6 Charge section an reverse side fur a description of when additional Finance Charges sae not assessed on Purchases. Check here it your address or phone number has charged. Note chan9e5 on DUPLICATE COPY Blue frolln 1fYldi+>t>biiiiri# . Ri?iniailydit? Anwirican Express" 031s1.Ago.-"On ctlat94ov.e;ae ic#ti .... and Iill'.ab l gre jn goon P.tanc;fg, .fFj P.WA W Fa KENNETH A SHOLL.EY Aormusl Nuiibw .^W-V On* XXXX-XXXXXO-61047 0411 PJ09 Page 1 of 5 New Aavhy t IN&Adieeenr. 10 hnlauln Payment Due Data r°mvioue'.jIlam S Pa ewrl kliv $ =ruwx Moo" A aw Kai Fhbrrw Amount Due S 05102109 8,022.76 -100-01 +50.47 ?,973.23 1 I Plum refer to e 2 M i f i i f or mportant on n ormat regarding your ac=Mt Cndit Line 70tal Credil AvallableCtedii Cash Advance Available Cash Suttnmady Line $ Line $ limit $ Limit $ on W2/U9 6,200.00 1,226.77 200.00 200.00 To manage your Card account online or to platy yots bill, please visit us at a www.annericanexprow-oom. For add litional contact Information, please see the reverse side of this page. AYMENT DUE ALERT. bpa&lbGawt rgailr A Amounts 0. 21;109.' i A?hA fdT;RECEIVI ITACFf-T'HM .:YOU: Now Activity for KENNETH A SHOLLEY cad so &tI xxc,? f 04i 2M PedcdaoFINAFICE CHARGE 50.47 Total of New Aath&y 30.47 °eauCpofCMnpAnr.MCnbelowdelerl?.?itlb?nwCtyaupt}TMrni ; Do not staple or use paper clips fl,, •,s, Nu be, Paymwn Coupon 3715-26936"1007 0 n 8 N III'`I'lllellulllFltllll'illlill?lllellelll?llllllltlle1lilll'll KENNETH A SHOLLEY 639 GETTYSBURG PIKE MECHANICSBURG PA 17055-5725 Confirwd crr Pap 3 Payfinent Due oats: To Pay by CornpLd r, vis0: o6foR08 smeno newass.comlpbc. Enter account numt$r an New Salaries all documents. $ 4,973.23 Make dleck payaUe to American Express. Minimum Amarint Due $99.00 1. t Amount enclosed Mail Payment to: Illlll'll'll II' III I"' 110, III IIIIIIIIIIII'? Ir1111 rllrl•llll III AMERICAN EXPRESS P.G. BOX 2855 NEW YORK NY 10116-2855 Check here if your address or phone nun tp. has changed. Note changes on reverse side. See Finance Charge section on reverse side for a description of when additiordal Finance Charges are not assessed on Purofteses. ?000371526936051007 000497323000009900 09 H DUPLICATE COPY IAraAlrhi :jflist»Ip?if??i p 80 Blue from Rolita 1[ri+irblfa.: American Express" m p+j13Q of ,.wr,prr da afe: i;a3? rultsr(dl:att is; No in eopd.sta>atliPlq.': Reperep?'ty lxaxu3hu0tlxh CmryD.re .? KENNETH A SHOLLEY XXXX-XXXXXO51007 05+1P10ta Page 1 of 4 mwmwos ftWd Minimum Prrwicm G=-w j Yx,TOVA AdNly a Fijam 4IwI a 4?a New Bdmwr S Amount DUO $ 06/011 nt ?U? ?1? 4,973,23 •100.00 +48,$4 •x,921.97 Pleam r to P&P 2 for important information regarding your account Credit Lins total Credit Available Credit Cash Advance Available Cash summary Urn $ Li no $ urnit $ Limit $ on 05112/09 6,200.00 1278.13 200.00 200.00 To manage your Card account online Cr 10 pets your bill, please visit us at www.amerfeenexpress.com. For additional contract information, please see the reverse side of this page, Activity h lidorss w=.:.d dde, Amvuol: :.rii0b _:::::: Now Acthr V for KENNETH A SHOLLEY "'"O1MZ cwdxxxx-xxxxtx.M: _ 05112.009 periodic RNMAC- t' CHARGE 48,8.0 Total of Now Activilty 48,64 Finance ChaWe Average De' Daily Aaluat L Nomin AMAJAL Periodic B&V days this period: 30 Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARO•E $ Purchases 3,307.64 0.0363% 13.97% 13.99% 38.00 Cash Advances 0.00 0.0562% 0.00% 21.24% 0.00 Check I Bal ancis Transfer 1,619.12 0.02190A 7.99% 7.99% 10.54 4$.64 Carta n of the periodic rates and APRs above maybe variable. Those rates may vary based upon the prime rate idantified in the Wall Street Journal, as described in your Caralmember Agreement as Currently in affect. } Psawnhuu On Use Per'^.rpgr OrhO,rr, OwaMr fI>;I rehrinni:? yo?• ?ire•r } Do col staple or use paper dips &=wd Nurber Payment Compoa 3715-269"-51007 G II'?El??rI?III.?Illlrfllr?lll?l?li'?l'll?l'1'?'ll?llll'I?II111111 KENNETH A SHOLLEY 639 GETTYSBURG PIKE MECHANICSBURG PA 17055-5725 Pay mwrt Due Dale: ro Par by Compeer, visit: 8"1109 amoricanehgxoQC.comlbbC. New Bvilonm $ 4.!21.87 rlliniAmum Amount Due MW 1$ Amount enclosed Enter account number on all tl=rnerda. Make check payalle to American Express. Sea Finance Charge wction an reverse side for a description of when additional Finance Charges are not sesessed on Purchases. Check here it your address or phone number has changed. Note changer. on 7- me side S MaA Payment to: I??I??IiI??I?IIIIeIII'?Ielrllllll1lllll?lrlle?l'I'llll'llllll'lll AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10118-2855 DOU9371526936051007 000492187000009600 09 d DUPLICATE COPY Blue from American Expressn" :::Pa?1i11a:: ?a?:o?1?;.ieltrt ?h81?'s.4lug:are:pard tn: . ' tulf snit &r1:ai?0l?ijr?yr?trs•iri.gO,OC±.slarbdr?1' Prdprym Fa- AocoA Nunaw crovinV4 ride KENNETH A SHOLLEY XXXX-XXXXXM1007 06211/09 Page 1 of 5 luil rv Pfo.aqu III?nIrlAUm iic AWIN a the Payment Due Date Pa roar. A *W= i rra •nrrr r dud Fwa ceC Wvw A art, N" saw," 1 Aw ount Due 5 07)01/09 L 4,921.$7 -100.04 +48.47 x,870.34 Please refer to pap 2 for in"rterlt iMorrnation reg arcing your aocount Credit Line total Credit Available Credi! _ "Cash Advance Available Cash &ammaryr Line t Line $ Limit 4 Limit S on 06111/09 61200.00 1,329.66 204.00 200.00 To manage your Card account onpne or to pay your bill, please visit us at www.americanexpressrcom. For additional contact information, please see the revarse side of this page. Complimentary Breakfast and $1 DO off Future Hotel Stays Fnpy wm*rWm breelarast on alaakend aW and $X U off a future"at dW Memolt° Hotels IK Resorts and Herr axral°Hblde&Re?o?leworlderide.deakywaorrrerg.>.uv?tei r! Sinltlyen1wcod9LVXv*un bmftlandPayw10syourBluefvnArnerimn Card. VisitlAurfell n air r more idormaFkn.Tar n& mrldidomand aoluWn ap*. Activity :.032?1rQ9?`::pnYf!d FIT'.F1iCl±I:IfJsD:ACR :THANK-YOU.: ' -:-.:::::• ::::::. ................... : New Ae for KENNETH A SHOLLEY ntacurxs C_dxxxx-xxxxxa5,.= 06211109 Periodic FINANCE CHARGE - 48,47 - T*W of Now AcNvky 48.47 P6=& *M or, •oFmkxd4n.Wtl .. diiwi ago Wen wim Vvir mrom Do trot staple or use paper dips rooaurt %.rrMr Paymont Coupon 3715-289380-51607 R W RO 3 a Ii'?IlLdlllll?d?r.?htll9?k'l?'IEI?I'I?IIr•tlrtttll?llhl??rl KENNETH A SHOLLEY 639 GETTYSBURG PIKE MECHANICSBURG PA 17055-5725 Contimed an Pays 3 Payment Due late: To Pay by C,ompuser, visit: 07101/09 ameownexprpsa.mm4ft. New Balance $ 4,870.34 Idin mum Amount Qw $97.00 Amount enclosed Mail Payrnerd to: I11IIEI'I1I1Illllll??tl?t?ttll?tl?.ll?tltl??lt?lrllll.tltl?l.ltll AMERICAN EXPRESS P.O. Box 1270 NEWARK NJ 07101-1270 Enter acoDuat number on all documents. Mahe dieok payable to American Express. See Finance Charge section on reverse side for a descri ption of when addtional Finance h P assessed 00 urdam. Check here d your address w phone number h w chwiyed. Note changes on mArw side. I_ 0000371526936051007 000487034000009700 09 rl DUPLICATE COPY : Mali+ie : R+?wiirr;ds . Blue from American Express°" a?pgt3?pe?rvli,rt?hiatpesdue:arepaiprDn: fuflandali'.aa r?le:eFein floodw4ndim llwfw Far KENNETH A SHOLLEY lwwuil NurtAr (:I06im3 nine XXXX-XXXXXO.51007 07/12109 Page 1 of 3 NZ Wt.. i W. lkyuWW& v,d fi a alinimurn Amount Dues Pa rnant Due Date rrve lyJ914 rxy wri•rkee,.s RevoilPAMexi FY51Trt1 Ara ' 08/81/09 4,870.34 •100.00 OD 2 =4,820.36 Please -,afar 1o page 2 for important informalion regarding your account Cred?tLlne Total Credit AvailableCredit Cash Advance Available Cash Summary Line $ Line $ Limit $ Limit $ on 07112 AS 6,200.00 1,379.64 200.00 2DD.00 To manage your Card account online or to pay your bill, please visit us at www americanexpiraas-cant. For additional contact information, please sae the reverse side of this page, aellftY ?Irclorrx;m?+5d?le -- MwrrniS :fl872t:':'PAYM$NTIG?DVEOA£M=7hfA1+IK:Ygt3'.: `:.:,:•::, : 0.00': New Activity for KENNETH A SI-OLLEY meuat Can xxxx xxxlOkP !%1007 07112109 Periodic FINANCE CHARGE 59.02 Total of Now Activity 50.02 Finance' Chalr?ls Average Dai Yp Daily Actual ANNUAL Nominal ANNUAL Peripp?c Biflingdayl3 this penned: 31 Balance i Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE$ - Purchases 3,385,15 0.0383% 13.9-,'% 13.9976 40.19 Cash Advances O.CO 0.058M O.D04b 21.249x, O.OC Check J Balance Transfer 1.448.13 0-0219% 7.99% 7.99% 981-1 50.02 Certain of the periodic room and APRs above may be vwiabe. Those rates may vary basec upon the prime rata identified in the Wall Street Journal, as described in your Cardme,mberAgreement asourrendy in affect. Plil?B iprtl nn rx pnlatliCr. G/btY, tliMrh end n4rn wire yOJr ;,xrrr6M ; Do not staple or uw paper dips riwuwd N4,rbw Paraawnt Coupon 3716-268360-51007 I-11111 'It'll oil 1111111 KENNETH A SHOLLEY 639 GETTYSBURG PIKE MECHANICSBURG PA 17055-5725 mew Balanw $ 4,t#20.36 Minimum Amount Dw #'6.00 Amount enclosed MaG Payment to. rirlii'I Irl rll Irr rlrl Ilr 1i1'lltll'I'lllll III III Ilr rll Illilll?llll AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 Payment 0ua its: To Par by Computer, visit: 08101109 arnericanexpess.com/pbe. Erder aecourit number on all documents. Mahe check parable to American Express See FNtance Charge seagon on revarseside for a daacriptipn of when addiulal Finance Charges are not assessed an Purchases. Check here if your address or phone number has ohanged. Nate changes on terse side. 0000371526936051007 000482036000009600 09 rl DUPLICATE COPY i1i111rbiArhip A4ilifitli±elBe Blue from w Amerkan Es ssum ':. :: • 1o III i}i131AS,--wf u3rl dhi1rg45: dyre;arO paid ii1 lukl.BrlG:lduills arB nil 8000 7Riall?nj. P-wwwl rw _. . ,. ......_ KENNETH A SHOLLEY r'Io"lus s m S P er•LAcl. 1 f 1 4,=.3fs -100.00 1111111 i'kl'I'lllllE'llill"1111'11111'111r111111?'II'Illllll'1'l KENNETH A SHOLLEY 639 GETTYSBURG PIKE MECHANICSBURG PA 17055-5725 r W0uT. 5h.r ' XXXX-XXXXXO-51007 NM Frsuirc $ Iha r wd Fwnc? IncC;VV \arrtfat+ll.'s<+i +48.91 ?4,768- Credit Line, Total Credit Available Credit Cash Advance Available Cash summary Liae $ Line $ Limit ; Limit $ on C&I 1/09 6,200.00 1.431-43 20D.00 2DD. DD Page 1 of 3 Ps ment Due Onto 09105/09 Please rater tD ppee9e 2 for important -rdorrnaUOn regarding your acoount To manage your Card account online or to pay your bill, please visit us at www.amaricarwxpresexom. For additional contest information, please see the reverse side of this page. To help you manage your finances more effectively, the Payment Due Date for your account is at least 25 days from the Closing Date. If you are enrolled in AutoPay, the date you set for automatic payment is not affected. IMCa1ts a?+r+9 ?e •- - . .. AttMty Mom s .......................... ::Q7P22/09':' PRYfMbFI:fCl•VAR:ikC}4 fFkAlilkS'Yt311:.:.:.:' :: ;:; :' :j4A•QD`: _. :._ )LhloMwt S Now Activit? for KENNETH A SHQLLEY - --- - Carc1 xxxx-)W= 51067 Ot 1109 Prrioft FOMCE CkAptimE 48.21 Total of Now Activity 48.21 i P1+ue iob an dro F-i-Aw WOW. dhtlhd9 IMO 4u n with pow pwormul } Do not staple or use peeper d Ips * p wr+ Vmb" Polumi t Coupon 3715-269380-51007 0 0 W 0 ti ,orrery Dam 08/11/09 Onkr um AetOlrrlt Dm S Continued an Pogo s Payment Due Date: To Pay byCompuler, visit: D"Sf09 arrwricanexpress.oonVpbo. Now Balance $ 4,788.'67 11 inxnum Amawd Due moo Amount enclosed Mal Payment to: IIII 'rl'1III ll'1111111,IIl111111llllblhl'lllll'll111111Jill III AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 r gr" Side 01]00373526936051007 000476857000009500 09 ri Enter acocunt number on Al dmuments. Make check payable to American Express. See Fiance Charge section an reverse side for a deserii w of when sdtlitional Finance Charges we not asser:ead on Purchases. Check hero if your address or phme number has ceanped• Note changes an DUPLICATE COPY Blue from :: iMllii+r?rrsh pp Rowairds 4!aintll«Ilrln?E? American Express'" ac tiflas,:aiterr drstrgtss dwa:are, paid Sri: roil ilrri?i all gtcQtmts are i fE gvnd'?tandr?p . ; P-qpYnd Fa KENNETH A SHOU.EY AMPA, Mmm' CkMLN ow_ xxxx-XXXXXO-51007 09V1 W09 Page I of 6 N m Awrdy $ ?. lkp.r.trowla wrti flAl nirnum Payment Due Date n Due 5 rre.rcw erarutoo S ^?, ewrx A-tars r nam era vin W - +y nk, is ik?r? y AIM 10105109 4,76$.57 •100.00 ++48-03 =4,716.60 Ream refer to page 2 for important information regarding your account Cxedtt Line Total Credit Available Credit Cash "anCe Available dash sum my lino $ Line $ Until $ limit $ on DWI OM 6,200.00 1,483.46 200.00 200.00 To manage your Card account online or to pay your bill, please visit us at www.americanexpresa.com. For additional oontact information, please see the reverse side of this page- To help you manage your finances more effectively, the Payment Due Date for your account is at least 25 days from the Closing Date. If you are enrolled in AutoPay, the date you set for automatic payment is not affected. Activity Mroanl S : J19dg9"::PAY•.AAENT;F EIVEp:AEM!-:THANK YOU New Aativit for KENNETH A SHDLLEY va„a ?O x xxY.xx 51co7 _ Amnwats 09d1U169 Periodic FINANCE CMROE 48.03 Total of fi14:w Aoth*y 48.03 1} PIY7in rnt! m the w'luliun Uf'brv. dMiBR aTb nMirc w.rn y„r µtiyxltlx l7o not staple or use paw di ps Nxam "a G' Payment Coupon 3716269360-31007 1 If?lll?('?11'li1'?I?lll't??l" ???rllll"?'1?11??I1?1"1'?'?16?11 KENNETH A SHOLLEY 639 GETTYSBURG PIKE MECHANICSBURG PA 17055.5725 Coro mw an Page 3 Payment Due Date: To Pay by Computar, visit: I&MOS americamspress.o0mfpbe. New Ballarm $ 4,716.6P sanimum Arnoum Du* $94.00 I • Amount enclosed Mail Payment to: Jill oil llli'li?l'?lyl'??I1tIIIII III III Jill 111111111611111111111 AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1274 Chock here if your address or p" 't? number has 0w' 0ed. Note changes on rev side. 0000371526936051007 000471660000009400 09 H Entar account nunlbu on all docio ients. Make Check payable to American EWoss. Sea Finance Charge seclion on reverse side fcor a dowription of wharf adkltimal Finance Ctwges are not sases5ed on Purohms. DUPLICATE COPY .... I Piaillxr'Bue from Api:.r+RIl.lariWr+ri di:. :: oer3wra9irrYtiett?hargasdtae`ari}?9idiri: = American Express"m kl arid:idl aEi?iin? ? ingood.star.+di?:: hoWed Fa AoowT.. Ni.r•exr "tera Dakr .' .`_ ._. ._ KENNE'T'H A SHOLLEY XXXX-XXXXXO-51007 10/11109 Page 1 of 6 %r Acbar.; 4 OnImum ix AdtrJre•dsarJ Amount DUA $ Paymfrt Due Date Pec:aju OaArva $ ra5wnrd Am i rra?ce?..a r. r WT( ^J? owtios 11A15109 4.716.80 10D.06 +dB.594,668.19 please refer to papa 2 for important ilxormation rag uding your a0courd a m Adv?roe Available Cash credit Line Total Credit Available Credit Cam' Summary Ling $ Lute $ Limit 6 Limit $ on 10/11109 6,200.00 1,533.81 244.00 2DD.DD To manage your Card account online or to pay your bill, pleases visit us at www.arnericano rpress.corn. For additional contact information, please see the reverse side of this page. • graph and analyze your charges - Kllow mOtil9 S1t011t where your vAt w udw s Find specific purchases easily pl M1 -O' SWIM K- a Organize your statement your way I...,,,. arnericanexptess.t:aNetstlriinfo • Keep information foryour records- i - W -' Activilty - I do porvg do& AMOYM ! D9tQ9." IiYM1:F1B ,11IEQ AGH!:3F64NK-Y[i :::: ' ` '' ::'::''':':: ':'::::::.:;:• : :.:.::..:::::::-f10:00; New Activity for KENNETH A SHOLLEY ca,d nrxx-kxx 1W7 10+11109 Periaic FINANCE CHARW 49.59 Totel of Now AotJvlty 49.59 Pir;rr. Mkf ont.epulwAon Cr.Dw alfdCh *0 mWn %%* your pi,merr Do not Staple or use paper dips Aooomt NuaDa Patynhent Coupon 3715-26x350.51007 M S W a N II'illlll.rl?lr?.r11111111111111Ili11111113111111111111 e?rri?l= KENNETH A SHOLLEY 639 GETTYSBURG PIKE MECHANICSBURG PA 17055-5725 Contrrxrad on Pegs 3 PayrWat Due D&*: To Pay by Computer, viait- 111OIS/tr8 amerlcanexprea.coin"c. Now Balarrorit $ 4,666.19 Minimum Amount Due $nQ0 Amount enclosed Enter account number on all documents. Make check payable to American Express. Sao Finance Charge saclion on fsverae side for a description of when addgicnal Finance Charges are not assessed an Purchases. Check here if your address or phone number has onanoe - Notes Changes on ree side. Mail Payrnent k: I r r r III 111111 1111-1111, 1-11111 r i llEIufr ll l r. r Ir d r r 11I 1t 11 h 1 AMERICAN EXPRESS P.U. BOX 1270 NEWARK NJ 07101-1270 0000371526936051007 000466619000009300 09 d - Blue from American Express sm Prepared For KENNETH A SHOLLEY Account Number Closing Date XXXX-XXXXXO-51007 11/10/09 Membership Rewards 0 Points Available at 10/31/09, when charges due are paid in full and all accounts are in good standing. Page 1 of 7 New Activity $ Minimum inc. ustmens and Previous Balance $ P men Activi $ Finance Charges if any New Balance $ Amount Due $ 4,666.19 -100. +51.5 =4,617.7 Credit Line Total Credit Available Credit Cash Advance Available Cash Summary Line $ Line $ Limit $ Limit $ on 11/10/09 6,200.00 1,582.27 200.00 200.00 See Page 5 For A Notice Of Changes To Your Agreement Payment Due Date 12/05/09 Please refer to page 2 for important information regarding your account To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. Blue DealssM for the Holidays ?Dlft Whether you're shopping for the perfect gift or for yourself, use Blue Dealssm to save every day. Visit americanexpress.com/bluedeals -Activity • Indicates posting date Amount $ 10/21/09' PAYMENT RECEIVED ACH -THANK YOU -100.00 tt New Activity for KENNETH A SHOLLEY Amount card xxXx-xxxx= too 11/10/09 Periodic FINANCE CHARGE 51.54 Total of New Activity 51.54 + Please fold on are perforation below, detach and return with your payment + Do not staple or use paper clips Account Number Payment Coupon 3715-269360-51007 Ilttilllll?tllllllttrlllrl'Iill?lll"I'Ir'????'ll'll'??III?III?I?I KENNETH A SHOLLEY 639 GETTYSBURG PIKE MECHANICSBURG PA 17055-5725 Continued on Page 3 Payment Due Date: To Pay by Computer, visit: 12/05/09 americanexpress.com/pbc. Enter account number on New Balance all documents. $ 4,617.73 Make check payable to American Express. Minimum Amount Due $92.00 • Amount enclosed Mail Payment to: 'Il?lrr?I"Illllrrlrll?tl?I?II'I"???IIII?'r'?'lllll'lll?l?'I??'? AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 See Finance Charge section on reverse side for a description of when additional Finance Charges are not assessed on Purchases. Check here it your address or phone number has changed. Note changes on averse side. 0000371526936051007 000461773000009200 09 H DUPLICATE COPY Blue from = American ExpresseM ail 1:i13Qfg9? yrll?:6ar445 duir ana•pald•in fUU:alrO:ell 8ocounts am-im good standingf. KENNETH A SHOLLEY uxure.n„mtl OCAIrg D;ft XXXX-XXXXX0-51007 121101109 Page 1 of 5 Plrwiom O1kx* S Pq,m[n Activilr i rAWN) wI)S rM.."d wremew Fa.rrn - thIg ..r.>,•y Num odm r s Minimum ArWunt DU* $ Payment Due Daltte 01 /Kelo 4,617,73 -100.00 +61.85 =4,569.38 Please rotor to page 2 forinipcrtant information regarding your account credit Lire Total Credit Available Credit Cash Advance Available Cash Stnenory Una $ Line* Limit $ Limit $ On 101 OM9 6,200.00 1,M.62 200.04 200.00 To manage your Card account onine or to pay your bill, please visit us at www.amoricanaxiiammcom. For adlditional contact information, please see the reverse side of this page. WELCOMED AT A DAY SPA Oa DEPARTMENT SPORES. krr.c r,.emiouaYOUR A1.4rkliAhf-;i5R^ts' C,)IaDraRA-I•LL11,Ltl ? r II LGk r., r frk -,. •I AS• I ',)L P. I•;r1 Ci'.% I•C?'I°I.VG:.IGk.41pu% I:i IR6Rnt`Cl:i.•?;7.aS,Lo i?_YU'.101.1 Alf)SM-MALIFICE.1Y r%'tOREb 01tL Iti1:ks•1 AALF5 °^ -R nARD 15'ATLCL14 04I A1dtY.nh 116VOkK r01k i'WrL, 31A t7C • 11tloLes pael'ry dal9 AotIVIty 11t€710AIx:::t7AYM P}TFIECEN 6 CR. ThMk-YOU-* '•, :.. • :...:...: :.:.:...::..:.::. :::::::.: bO.DQ. Now Activity for KENNETH A &OLLEY eare:ocxx•xxxx s?ac? 12J701D9 Periodic FINANCE CHARGE 51.65 Totals of Now AnUvity g1,6g °IBii?rOtl 091rYJ r!l;1lArtla:l 6ebN, de111CFlwOrtll.ln YVVI rJtIlY F7p}rnrJ71 } Do nol staple or use paper clips A jM rvurrrr Payment Coupon 3715-269360-51007 1111.p1111i1111grr.rldllillillillllli11111111111r rldiu111i KENNETH A SHOLLEY 639 Gt:TTYSBURG PIKE MECHANICSBURG PA 17055.5725 Now Owen" $ 4,50e.38 Minimum Amount Due $81.00 Amount enclosed Ma Payment to: .1 1. II ItII11u1i1III111,11 II I 1111.1 1r11 111r 11116N I I ! 1141 lit n l AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 Comnued an Pose a Poy ment Due Date: To Pay by Computer, visit: OI104n o ampncanexpress.con4pbc- Enter account number on all documai ts, Male check payaW to American Express. Sea Finance Charqe section on reverse aide for a description of when adra kmid Flnanre Ctlarges are not amessed on Pumhases. Clwk here if your address or plorw number has Changed. Note oranges on arse side. 0000371526936051007 0004569380000091140 09 d DUPLICATE COPY AV1i?lf#p?t?tii?# # Miiliirvwl> Blue from American Express' t t?i?au?iHiriEdfidiue i1a*e:`: t?t3.14$q; [?n paid,*: ::r+3tl;ar(d;?t accaeaciai'ar?a itr.Bl?oW.s;?allnq.; Prrp i Fu KENNETH A SHOLLEY po)n t!ufftm vowro n.-Ar XXXX-XX)OtX0-51007 01111110 Nc.nt.+•i,s Minimum x.??y -d I Amount Due $ rl:aviee ChrK r• i ar FW N • . Prr. Amn 6tinor i a ,»am Afth S t r wwo ew a, 69.3J3 -1oa.oo +S4.J33 -4,'x24.21 Croft Line Total Credit Available Cred# Cash Advance Available Cash Summary line $ Line $ Limit $ urnh $ on0101111D 6,200.00 1;875,79 200.00 200.40 Page 1 of 5 Payment i7ua Data 02/05/10 Please rotor to pap 2 for important information regarding your acooarrt To manage your Card account online or to pay your bill, please visit us at www.amodearlexpre".com. For additional contact information, please see the reverse side of this page. Know how you spend at a glance. Access your Year-End Sumtmmy through your Online Statement. Download a snapshot in PDr- or Excel Analyze your annual expenses in p_e or bar charts by categories like travel and restaurants. IRememtAlr that any cha:cges posted to your account alter December 31, 2009 will appear on your 2010 summary. Learn more at americanexpress.com/yiearendsummary Activity' .1"?3.10?'?•'.•P+4''?aEN:XVfD'AGN•:•THANf(IADU•::..• ..... New AcYvity for KENNETH A SHOLLEY Ancual I C-1xxy0s-xxxxxaerwr 01111/10 Periodic FINANCE CHAP4E -- 54.53 Total of New Activity 54,53 ?9diG ?Gltl 4n Kw: prrirralion hal?x, dd:r:Fi rA ielunrrC'1 yw'annrem ; Dp no staple or use paper clips ,x?•ra r?? l,cr Payment Coupon 3715-269360-51007 I"1111911116111111161.111111111111161 rrrlrllrr?rll111111111111111 KENNETH A SHOLLEY 639 GETTYSBURG PIKE MECHANICSBURG PA 17055-5725 Condirved on Pap a Payment Due Dade: To Pay by Computer, visil: @2iftl o amoricenexpresSAOn Oft. New Balance $ 4y 524.21 Minimum Amount Due $90.00 l_ • I AMount enclosed Mail Paymaart to: IIIrIIIlillirl.q.rll?Inu1111111rrr1ilrlll)hlnllltrglrltlrll AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 Enter account number on all documents. Make check payable to American Express. So@ Finirn09 Charge section on reverse side for a descri ption of when additional Finance Charges are not asswascl am Pun limes Chack here N your address or phone number has changed. Note chanpeS on rss side. 0000371526936051007 00045242100DO09000 09 d Okm from Amedean Express"' Pom od Fr KENNETH A SHOLLEY DUPLICATE COPY '?>?Iai;?ib?ii?sli?p?Rawa<rdt?:.:• Pognita'A4raE?b1!!'. `at?it3174fk,:iMfiehtr?an?ps dua:?e Pdi4.??; Bait i3d alE:aCOatntS ors r i.9 Amoum Nu ur• ,rr;ir,, oain xxxx-xxxxxo-511007 02(1 W10 Page 1 016 New Aee4rnp L Minimum jr-.. Ariii..bxrb wo P664106E iYM+W S r e 76rt,i71M ! r rwcA om iDo [ nrq New DAM ti AMO i,NK Due 5 -11 i 4,524.21 •104.00 +51-1611 -4,475.9 Clidtt Line Total Credit Available Gi6dit Cash ACArance Available Cash summary Line $ Line $ Limit $ limit $ on02111 DO0 6,200-OD 1,724.33 200.00 200.00 Payment Due Date 03107/10 Please refer to page 2 for important information regarding your account iMPORTANT NOTICE ABOUT PRIME RATE: Asa result of now federal credit card regulations, we are simplifying the way that the Prime Rate is determined for variable interest rates. Accordingly, effective April e, 2010, the second and third sentences of the subsection about the Prime Rate in your Cordmember Agreement are deleted and replaced with; "The Prime Rate far each biting period is the Prime Rate published in The Wail Street Journal 2 days befogs the Closing Date of the billing period. The Wall Street Journal may not publish the Prime Rate on that day. If it does not, we wail use the Prime Rate from the previous day it was published." See Page 3 for important Privacy Notice and the following page for Important Electronic Fund Transfer Error Resolugion Notice To manage your Card account online or to pay your bill, please visit us at www.amerleanexpres&com. For additional contact information, please see the reverse side of this page. Use Membeirship Reword$& Points for Donations to Halt) 111EM7[1iar Yl! rewds` American Expresso Cardmenlbers enrolled in the Membership Rewards program can redeem points to support charities sliding the relief effort in Haiti. For every 1,000 points, $10 will be donated to your charity of choice. You can choose from a list of organizations that are dedicated to the Haiti earthquake relief effort. There is no limit to the number of Membership Rewards points you can donate, provided you have the ave6able points balance in your Membership Rewards account. You can donate points in increments of 1,000, 5,000, 10,000, 50,D00. and 100.000. Cardmembers can also charge a donation on their American Express Card. To donate, go to http:f/amex.judgive.org/dismoter,/haltl_quake.jop { pi,v,?IVdant?epataeianao .ar.+etsri,r.?rnvrMiwpyTrri + CoMmued on Page 9 Do not ARPIN or use paper clips ncxa,m wrnae• Payment Due Date: To Pay by Computer, visit: PayntsNR Coupon 3715.26S36D-51007 03j07110 anwdoanexpress.eom0w, Enter account nurnber on Now eallanim at documents. $ 4;475,67 Make check payable to Ili'I('HI'111111'tlllill'I(II(I(I("111ti1'Iflldllllh18111IIIII American Express. KENNETH A Sf10 L LE Y IAtnlrnum Amount o? See Finance Charge a 639 GETTYSBURG PIKE section on re maide for MECHANICSBURG PA 17055-5725 adescriplionofwhin additional Finance charges are not assessed i on Purchases. L. Amopnl and-0111140 Cheek here it your address s cr phone number has Mail Payment to: Changed. Note changes on N lit 111111111111111 aside. AMERICAN EXPRFSS P.O. BOX 1270 NEWARK NJ 07101-1270 0000371526936d51007 000447567000009000 09 8 0 Preps for KENNETH A SHOLLEY s DUPLICATE COPY &xwm Nu ber Ckwgj DWA Page 3 of 6 XXXX-XXXXXO-51007 02/10/10 AcO MounlS :01 170'.::: p:>tuGFI:=TYiA K•Yt}U Now Aelift for KENNETH A SHOLLEY Mouels C mXX)( (-XXX X96iOW 0211U1 0 Periodic FINANCE CHARGE 51.46 Total of New Activity 51.46 Finance Chip Billing days This pgr-igd: 30 Purchases Cosh Advances Check I Balance Transfer ice Dagy Daily Actual ANNUAL Nominal ANNUAL Periodic lalance Pen odic Rake PERCENTAGE PERCENTAGE FINANCE RATE RATE - - - CHARGES 31687.08 0.0417% 15-22% 15.24% 46.13 0.00 O.D891% 0.GD% 25.24% O.DO 812.02 0.0219% 7.98% 7.99% 5.33 51.46 Certain oftha paripdio ralw and APRs above maybe variable. Those rates may vary based upon the prhm rate identified in the Wall Street Joumal, as deaoribad in your Cardnwmber Agreement as currently in affect. 61Y6 from American E:press." DUPLICATE COPY PF"ad r V AamxrA \ utttl KENNETH A SHOLLEY XXXX-XXXXX4-51007 rarer-Adltya IT. r I MI'" art F. aoo HWnselr P.ataril Aaw •s R?.?nnr: eCt I&TO Nwv BNWWPl 4`475.67 104.40 +51.08 =4,42G.75 ???11?:!!lrsh Re'tiiewlydttFm":' ?t31.t ?,: vrMCe4 SylargPS dui are ?lald'iri `:(uFl.aild'a1f it?dtu)is:8je1 in.gOGd.skv]dvig': Cairy Mde 03112110 tailininwre AmountDu•$ Page 1 of 5 Payment Due Date 04/07/10 Please refer to page 2 for important information regarding your wooortt Late Payment Warning: N we do not receive your Minimum Amount Due by the Payment Due Date listed above, you will have to poy a late 1sa of up to $39.00. Mlnknum Payment Warning: If you make only the minimum payment each period, you will pay more In interest and it will take you longer to payoff your balance. Far example: II you m" np acJt>ritional charges You will payoff the balance shown ' And you will pay an estimated total and each month you pay... on this statement in about... of... Only the t8 years $7,$97 Minirn rn Amount Oue $151 3 yearn $6,448 (SwIry = $2,440) If you would As information about credit counseling services, call 1-8.66-391-54846. Cndit Lino Total Credit Available Credit Cash Advance Available Cash Summary Line 4 Line S Limit $ Limit $ on 03112!10 6,200.00 1,77325 200.00 200.00 To manage your card account on-line or to pay your bill, please visit us at www.ameftanexpres a corn. For general servicing or additional contact information, please see the reverse side of this page or call the number on the back of your card, Pka?e MklontnrFerlur;Jiwr know 0ltaC0 dad re0un ?yllr yca P'+YTC?r Do not staple or va paper clips Am.wt NurLw Payment Coupon 3715-269360-51007 II'VIII'r?llllllillldulrllll'I`IIII'Ilnlllll?rlrtllllltlll?l'i KENNETH A SHOLLEY 639 GETTYSBURG PIKE MECHANICSBURG PA 17055-5725 w ti a i3 0 N Conftad on Page 3 payrngrIt D118 Die: To Pay by Computer; visit: OW07110 americanexi".obmlpbc. New Bahum $ 4,426.75 Minimum Amount Due $88.40 si Arnou nt enologed Eater ar ownt number of all doo~ts. Maine ON&* payable to American Express. 5se Finance Charge 99ciion an reverse side for s description of when addtional Finarve Charges are not assessed on Purchases. Check here if your address or phone number has changed. Nate changes on (7 rse side. Mail Payment to: I'llrlrhll•II?III"'II"Iltlll"IIIIII'lllll'Itl'llll'11111'I' AMERICAN EXPRESS P.U. BOX 1270 NEWARK NJ 07101-1270 0000371526936051007 000442675000OB8900 09 d DUPLICATE COPY mWood For Acm.rc Nuwiw C'kxi;v ?Ws Page 3 of 5 KENNETH A SHCLLEY XXXX-XXXXXO.51007 03112110 Make Tax Time Easier. Access your Year-End Summary through your Online Statement. Analyze your annual expenses in pia or bar charts by categories like travel and restaurants. Download a snapshot 'in PDF or Excel Aeme;nbe: tt)al any rharges posted to your account after Decomber 31, 2009 will appear on your 20'10 summary. Learn more at amfericanexpress.com/yearendsummary ACt,vi4' ' h004 -p-liogd:fib Ai66unrS 02J251tU' : PAY1??k'N1 • r IV?4 ACN: Ti'IAh11( YQII .:: : : 1Dtl.JOY, Now Activity for KENNETH A SHOLLEY CGRtlXY.XX•XXXX 1007 0311 Zit 0 Periodo FINANCE CHARGE 51.08 Total of Now ty 51.08 Finance Charges Average Da-dy Daily Ackiat ANNUAL Nominal ANIAW Periodic B1Ning days this period: 30 6alanoe Periodic Roe PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGES purahatwe 3.1579.99 00417% 15.22% 15.24% 46.04 Cash Advances 0.00 0.0691% 0.00% 2524% 0.00 Check ISeance Transpfor 767.13 0.021996 7.99% 7.99% 5.114 - 51.06 Certain of the periodrt rates and APRs abm may be variable. Those rates may vary based upon the prime rate klentoWd in the Wall Street Journal; as described in your Qrclinember Agreerriont as currartly in effect Mue from • American ExPress¦" Prgwm Fai KENNETH A SHOLLEY DUPLICATE COPY ?t'OQJ1/l.0:}i!hiri ifiargeS due are paid in Jdt;anril;aogpuarr3.in good atancJ!ng: ftwuYNdiibrr Gluar1i Dom XXXX-XXXXXO-51007 04412110 Page 1 of 5 Nex Aulil.ly S Il; Ad•L&irwmwd erwwa 8^wr9 P• nwnACar cIVMINI Cloy 4,426,75 -100.00 +31.87 mini leum Payment Due Data Mew au¦t Ardor nt this 03/47 f l 0 ¦4,378.T2 Please refer to page 2 for important information regarding your account Late Paymant Warning: If we do not receive your Minimum Amount Due by the Payment Due Date listed above: you will have to pay a late fee of up to $39.00. Minimum Payment Warning: If you make only the minimum payment each period, you vviti pay more in interest and it will take you longer to pay off your balance. For example: N you maim no additional cfta pe You wtl payoff the balance shown And you will pay an estimated total and each month you pay... on this} statement in about... of... Only the - 18 years $7,790 Minimum Amount Oda - $150 3 years $5,3ti7 (savings = $2400) If you would tike information about credit counseling services, call 1-866-391-5446. Credit Line Total Credit Available Cmdt Cash AArance Available Cash gunnery tine $ Line $ Limit $ Limit $ on D4/12110 6.2D0.00 1,821.29 200.00 200.00 IMPORTANT INFORMATION ABOUT THE BILLING STATEMENT. The payment coupon has changed. To better protect your privacy, your Card account number has been removed from the payment coupon of the billing statement. Piease have your Card number available when contacting American Express. To manage your account online or to pay your bill. please visit us at americanexpress.aotn. For general servicing or additional contact Information, please see the reverse side of this page or call the number on the back of your card. + Pima Iddw Me pain wan a"w 99mh ad mirn with yr:u pgiiert + Do not staple Dr use paper dips I'm= *9 NLj*8 PaVni* t Coupon XXXX-XXXXX0-51007 Id hill all 61111111111111 11111111111111111111 11 KENNETH A SHOLLEY 639 GETTYSBURG PIKE MECHANIGSBURO PA 17055-5725 Continued on Arya 3 payer Dtw Date: 1•o Pay by Computer, visA: OSd07i10 americwexpnoss_cwnipht:. New Ralirms $ dk37L72 IlMnimum Amount Due $eLoo Enter Sooount number on all documents. Make theok payable to American Express. Sao Finance Charge section on rover a side for a description of when additional Finance Charges are not assessed on Purchases. Amount enclosed Mail Payment to. l' Ilwll?llf'lll'IIII?IIdrIuIlll Ilillr ? Inill`II?IIiIlllllellr. AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 Cheok We it address or phone numtler has chwmpd. Note changes on ,nav se side. L. 0000349190550673281 000437872000008800 09 d Named For KENNETH A SHOI.LEY A DUPLICATE COPY AMLLIT Namur GICSi% 796 XXXX-XXXXXO51007 04112110 Page 3 015 Al'r,gN7'1ti Hera .,>q..y>•.:?... ?: AW MAR114MIT MFNAi$SANCE' Sara up to 20% Ream ca"gory upgrade Up to $250 on-board credit Get breakfest+ 1100 of! Get bioakfast+ 5100 off Enjoy exclusive partner savings when yon we your Blue From American Express'. Blue Cashm. or Blue Sky Card_ Visit 1lmsirhmnexpna.somllllllssalrigs to on all partner savings phis terms, conditions and restrictions. a • rKI CAG oa661; dale /4Ct1V1?'y +UwuMS 4312 f 1:4'::: PAYM Ar7:F CEIVtr0ACH =TKANK YOU i?o . New Arc" far KENNIETH A SHOLLEY Amauni's'`' Llm oxxxr- 51007 04/12/10 Periodic FINANCE CHARGE 51.97 Total of M?wv Aetfft 51.97 rramilw %raamm<vwS -CF veal Loamy Arum RrlmlauAL RQminal ARRUAL Billing days this period: 31 E shoe Periade Rato PERCENTME PERCENTAGE RATE RATE Purohasas 3,615.20 0."17% 15.21% 15.24% Casty Advances 4.00 0.0691% 0.00% 25.24% Check 1 Balanoe Tranafer 772.27 0.0219% 7.96% 7.99% FINANCE CHARGE$ 46.73 0.00 5.24 51.97 Certaln of the pmicdlc rates and APRS alcove nnay be vgriagle, Those rates may vary based upon the prime rata ideNdied in the Wall Street Journal, as descrtbed in your Cerdmember Agmernent as curantly in erW. W A W S K w A W 7yW i K N r Blue from = American Express`" hies, ed ha KENNETH A SHOLLEY DUPLICATE COPY AWWil Nunoe• M Or. Dave XXXX-XXXXXO-51007 05/13110 :? Nlb'ors??p; Aiiualyds?`:.:: ?8t:0.4?,?0?1;Q.wN9r1?ch8rgl?S'die are'.in' Cult.. d. aN:?suioounls:are?mp?a?aftarufng:. Page' of 5 &•"'"=" kyI hlirrimurn a•?r..Sx?ame uvmr?rnVIM yri aati MrMIS"stCe Amount Duo ti f1faous l'aidesr r* inr?tl h'. ?.• 4,378.72 -90,0011 + 1,29 -4,340.01 11'1111111'11?1'I111111'1'111111'111111111't111111'lll III III Jill III KENNETH A SHOLLEY 639 GETTYSBURG PIKE MECHANICSBURG PA 1705$-5725 Late Payment Warning: If we do not receive your Minimum Amount Due by the Payment Due Date listed above, you wiN have to pay a late fee of up to $39.00. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example; If you make no additional chstrges I You will payoff the balance shawn And you wrli pay an estim ated total and Path month you pay-.. l on this sutemem in about... Of... -' ' "'? I 18 years r7,70B Minimum Amount Duo . . I. $148 If you would like Information about credit counsel Grad it Lim Total C4vdt Available Credit ommary Line $ Line on 05113M 0 8,280 00 1,859.99 Available Gash Limit $ 200.00 Payment Due Date 0607110 Phase refer to page 2 for important information regarding your account 3 Yom $5,335 (Sold" o = 52,370) services, call 1.886-391.5446. Cash Advance Limit S 200,00 This is a reminder about how we app payments to your account. As stated in your Agreement, generally payments will be applied as follows: ayments credited to your Account during a billing period will be applied first to the balance bearing the lowest APR and then to balances bearing higher APRs until the Minimum Amount Due payable in the billing period is credited to your Account. After that, the amount of payments remaining will be applied to the balance beating the highest APR and then to balances bearing lower APRs. ReaeeZU or, ft pedowwn bekw, ddwh wd rownwih you; rwrneM Do not staple or use paper clips Aoewnl Nun11e: Paynr m Coupon XXXX-XXXXXo-61007 i a 4 A a n a N Cayg ued an Page 3 Payment Due Date: To Pay by Computer, visit: OVD7110 amsocanexpress.c:wWpbc. Enter account number on Now Rsla noe all documaanits. *,M.qy Malay check payable No American Express. Minimum Amawat one $87.00 Amount enclosed Md payment tc: all=IIi11111r11' Ir1111r II="I 111 ll"1111 l'11111111'1l111111111=111 AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 Soo Finave Charge 56d0fl on reverse Side for a dwription of when a7*ional Finanoa Charges are not assessed an Purchases. Check here if your addreaa or phone number has changed. Not* changes on ,r rso side. _ 0000344990550673281 0004340151DO0008700 09 d Pripet FT KENNETH A SHOLLEY DUPLICATE COPY Amwnl NYrber (;:wro DM Page 3 of 5 X)(XX•XXXXXO-31007 05113J10 Activity ,11vkxAmF=iBQdrs -._ ArnonM: 04f$1f10" :' P4YMEN1 FiE?EaV?p:ACH•:7HANK:NQtt .: -94.03' Now AaMy for KENNETH A SHOLLEY C-A %}iU-y". X"1007 _ Ot3h3110 Periodic FINANCE CHARGE - - 51.29 Total of Now Aetlrlty 51.29 Mande Chw9es Average Doiyr Daily Actual Nominal ANNUAL Periodic Billing days this period: 31 Balance S Periodc Rae PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE$ Purchases 3,5%29 0.0417% - ' ' 15.22% Cash Advanoes 0.00 0.4fi I % 6.00% Check IEWanceTransfar 777.53 0.0219% 7.99% 1524% 46.01 25.24% 0.00 7.99% 5.28 61.29 Certain of the periodic rates and APR9 above maybe vadahie. Those rates may vary laami upon the prkm rata identified in the Wall Street Jaumal, as described in your CardmemberAgreement aecurrently in effect. 0 K 4 w w d 0 a h ti p N j Blue from American Express 'M Prepared For KENNETH A SHOLLEY Account Number posing Dale XXXX-XXXXX0-51007 06/11/10 12,0533 Membership Rewards 0 Points Available at 05/31/10, when charges due are paid in full and all accounts are in good standing. Page 1 of 6 New Activity If inc. Acluelments and Minimum Amount Due $ Previous Balance $ Payment Ad$ Finance Charges s if it airy New Balance $ 4,340.01 -100. +47. =4,287.5 Payment Due Date 07/07/10 Please refer to page 2 for important information regarding your account Late Payment Warning: If we do not receive your Minimum Amount Due by the Payment Due Date listed above, you will have to pay a late fee of up to $39.00. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you would like information about credit counseling services, call 1-866-391-5446. credit Line Total Credit Available Credit Cash Advance Available Cash Summary Line $ Line $ Limit $ Limit $ on 06/11/10 6,200.00 1,912.43 200.00 200.00 To manage your card account online or to pay your bill, please visit us at www.americanexpress.com. For general servicing or additional contact information, please see the reverse side of this page or call the number on the back of your card. + Please told on the perforation below, detach and return with your payment + Do not staple or use paper clips Account Number Payment Coupon XXXX-XXXXXO-51007 L I I' I I"III 111111"' 1111111111111"I I I I I I I I I I I"I I' 1111111' I I I I I KENNETH A SHOLLEY 639 GETTYSBURG PIKE MECHANICSBURG PA 17055-5725 Mail Payment to Continued on Page 3 Payment Due Date: To Pay by Computer, visit: 07/07/10 americanexpress.com/pbc. Enter account number on New Balance all documents. $ 4,287,57 Make check payable to American Express. Minimum Amount Due $86.00 1 • I Amount enclosed 'll'll'll'llll""IIIII'llIN 1111"1'1111'11"11"I'I'llll''ll'I'I AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 See Finance Charge section on reverse side for a description of when additional Finance Charges are not assessed on Purchases. Check here it your address or phone number has changed. Note changes on 7rse side. 0000349990550673281 000428757000008600 09 d Prepared For Account Number Closing Date Page 3 of 6 KENNETH A SHOLLEY XXXX-XXXXXO-51007 06/11/10 Activity * Indicates posting dale Amount $ 05/26/10" PAYMENT RECEIVED ACH -THANK YOU -100.00 New Actlvityfor KENNETH A SHOLLEY Card X)o(X-XX)00(g 1007 Amourt; 06/11/10 Periodic FINANCE CHARGE 47.56 Total of New Activity 47.56 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Billing days this period: 29 Balance $ Periodic Rate PERCENTAGE PERCENTAGE RATE RATE FINANCE CHARGE$ Purchases 3,521.79 0.0417% 15.22% 15.240/6 42.59 Cash Advances 0.00 0.0691% 0.00% 25.24% 0.00 Check / Balance Transfer 762.65 0.0219% 7.99% 7.99% 4.97 47.56 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. _- , Blue from American Expresssm KENNETH A SHOLLEY Closing Date 07/13/10 New Balance $4,379.21 Minimum Payment Due $221.00 Includes the past due amount of $86.00 Payment Due Date 08/07/10 Late Payment Warning: If we do not receiveyour Minimum Payment Due by the Payment Due Date listed above,you will haveto pay a late fee of up to $39.00. Minimum Payment Warning: If you makeonly the minimum payment each period, you will pay more in interest and it will take you longerto pay off your balance. For example: If you make no additional You will payoff the balance And you will pay an charges and each month you shown on this statement in estimated total of.. pay... about... Only the Minimum Payment Due 21 years $9,323 If you would like information about credit counseling services, call 1-866-391-5446. 'i^'J.. Seepage 2 for important information about your account. © Your account is past due. Pay the past due amount immediately. With the Blue Savings Program- you receive complimentary breakfast and $100 off your next stay when you use your Blue from American Expresso Card at JW Marriotrand Renaissance, Hotels and Resorts. Visit awsricenexprow.con/blaesatrimgs to see all partner savings plus arms; conditions and restrictions. qHl + Please fold on the perforation below, detach and return with your payment + p. 1 /3 Account Ending 0-51007 r Membership Rewards' Points As of 07/13/10 12,063 ? Fordetails, pleaseseeyour Membership Rewards page. Account Summary Previous Balance $4,287.57 E Payments/Credits +$0.00 E New Charges +$0.00 Fees +$39.00 E Interest Charged +$52.64 E _ ---------------------- New Balance ------- $4,379.21 Payment Due Minimum Ei $221.00 Credit Limit $6,200.00 Available Credit $1,820.79 Cash Advance Limit $200.00 Available Cash $200.00 Days in Billing Period: 32 Customer Care Pay by Computer --- -- ----- - k americanexpress.com/pbc l I Cusbomr Caro Pay by Phone 1-888-BLUE-741 1-800-472-9297 See page 2 for additional information. ® Payment Coupon M Pay by Compute Pay by Phone Do not staple or use paper clips americanexpress.com/pbc 1-800-472-9297 I???'I'?"Il???llr?lrlllrl?ll???lll?ll??lllrr?r??ll?l?llrr?l?llrr KENNETH A SHOLLEY 639 GETTYSBURG PIKE MECHANICSBURG PA 17055-5725 Enter account number on all documents. Make check payableto American Express. Please print clearly in blue or black ink only. Payment Due Date 08/07/10 New Balance $4,379.21 Minimum Payment Due $221.00 I?Ill??lr?lllll??ll?rrllrllllrll?lrl'II?I'11rrl?rl?rllllrll??llrl AMERICAN EXPRESS $ Check here if your address or AmountEndosed phone number has has changed. P.O. BOX 1270 • Note changes on reverse side. NEWARK N1 07101-1270 0000349990550673281 000437921000022100 09 rl Blue from American Expresser" ? KENNETH A SHOLLEY Closing Date 07/13/10 p. 3/3 Account Ending 0-51007 Fees Amount 07/09/10 KENNETH A SHOLLEY Late Payment Fee $39.00 Total Fans forthis Period $39.00 Amount 07/13/10 Interest Charge on Purchases $47.12 07/13/10 Interest Charge on Promotional Balances $5.52 Total IntaraatChargedfor this Period $52.64 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual BalaataaSubject Intaraat PercantageRato to Interest Rate Charge, Purchases 15.24%(v) $3,531.17 $47.12 Cash Advances 25.24%(v) $0.00 $0.00 Check/BalanceTransfer 7.9996 $787.90 $5.52 Total $52.64 04 Variable Rate Blue from American Expresso"' KENNETH A SHOLLEY Closing Oats 08113110 DUPLICATE COPY New Balance $4,470.36 Minimum Payment Due $310.00 Includesthe past due amou nt or;711 AA Payment Due Date 09/07/90 Late Payment Wamblgt If we do not receive yaw Minimum Payment Due by the Payment Due Date listed above, you will have to pay a late fee of up to $39.00. Minimum Paymenil Wa•ldeq: If you make only the minimum payment each period, you Will paylttorein Interest and It will take youlongirtopayoff your balance. For example: P. 115 Account Ending 0-51007 Membership Rewards" Paints As of 08/13110 13,063 .i i Fordetaih, pleaar. rpe your D 141embei511jp Rewards page. .... ....... .--- Account summery Prqvious Balance 54,379.21 PayinentsiC rani 15 +50.00 New C h ](140 +30.00 Fees 1139.00 Irrtere.t Chrlrged +$52.1!; you mainnoadditional You wig pay offthe•balance Aculyouwill payan ? iYeurfmianee 54,470.36 F',f4zetandeachrnrnnllyou shown on this Statemtentin csrimatedtotalof... fNinimumPaytnentDw $310.00 paY-.. about... {lniytlre Credit L-mnit $6,20400 Mirrrnu1 n Payment Due 21 y 'S - - f9,368 AvailableCredit 51,7703.54 Casfl Advance Limit ;200.00 If yoiwouIdlikeinformationabout credit counselingservices,ca111-88&733,4139. Available Cash 3200.00 % pr Inge 2 for Important information about youi account. Days in Nltirej Period. 31 ® Your account is past due. Pay the past due amount immediately. Customer Caro - :' - -- BLUE SAVINGS PROGRAM" ? Pay by Computer Enjoy cNo -IZOVe sa':.%11, With niao I rorn A-mod, 3r. Ei p r::s'?' 1ar01. Irit? amedcanexpre%corn/ltlx Earn 25,000 MNmborshi Rewarcls bonus ointsfnr p r ~ p I" CusitomerCarw Ps b Phone ?.. y;lt -.l 0.nnsa. a 3oe ^10 f0: l: ttEµl 4, e;•r:?1 Y Y s,VtM ?l Sf,..i?[ 1tis, crtiaya $250 shipboard c_radit fem trr•c:l ;ti• '.7;;3•;it? •v. 1-"S-SLUE-741 1 $00-472-919/ I. ? Sew. pega 2 for additional informatirm• 4 Please fokf on the perforation beksw, dptaeh and return with your payment J Payment Coupon o Pay by cotti "ter Pay by Phone Do not staple nr use paper clips lllllilal? a mericanexpress.mm/pbr. 1-800-472-9297 Enter account numLrer on al I documents. r%4a b c hack payable to Amefican Fxpresa. Please print clearly in bWe or black iuk only. 1111 111111 Ill Ill ill Jill 11 KENNETH A SHOLLEY Payment Due Date 639 GE"I 1'YSBURG PIKE 09/07/10 MECHANICSBURG PA 17055.5725 NewSWanre: W w $4,470.35 Minimum Payment Due I $31 &a ° e Illll?l?i??'III"ill?irl?rllllllllll??l'?III??????'?rlllld>I?t??r C.hetkheveif yfte addressor AMERICAN EXPRESS P O BOX 1270 3 - - Arriount Enclosed . . phone number haschanged. Note changes on reveriesielr.. NEWARK NJ 07101-1270 0000349990550673291 00n4471336000031000 109 d DUPLICATE COPY Blue from American 6cpressg"' KENNETH A $HOLLEY • Closing Date 08113110 Account Ending D-51007 Fees Amount 08/09!10 KFNNIeTH A SH01 I I FY Late Payment ree $39.00 Tate I Fees for this Period $39A0 Interest Charged Amount 1*113f 10 Interest C large on P%IFC hales $46.75 rM/13/10 Interest C114ege. on Prnmotnsnkr) Bal jI rcps $5.39 Total Interest Charged for this Period $5115 2010 Fees and Interest Totals Year-to-Dote - !oral pees in 2010 T?Wllnlrresl'ni 1014 Includes fees and interest charged for bkling perkads with closing dates on or aterAine 25.2010. Amount . # fa.u0 $104.79 Interest Charge Calculation Your Annual Percentage Rate (AP8Iis the annual imerest iate on yow account. Annual Balance Subject Interest Per{ent49e Rate to Interest Rate Charge Purchases 15.24%% W 7.29 $46.76 Cash Advances 25.24%(vi $0.00 $0.40 C6c ck/f3:rl:nu:r+TrtinsfNr /.9?J°6 $793.35 $5.39 Total $:5115 (w1 Variable Rase W R W a N Blue from Aflllerimn Exprm " KENNETH A $HOLLEY ' Closing Date D9112110 New Balance Minimum Payment Due Inc ludes t he past due amount of 5:310.(x) Payment Due Date DUPLICATE COPY $4,546.90 $401.00 10107/10 Late Payinart Warning: if vm do not recisive your Minimum Payment Due by the Payment Due Oarte listed above you may have to pay a late fee of up to 135.00 and you r P urchase APR may bernoessad to the Pens ItyAFR of 27,24%. JYNnilnum Paymatlt Warning: if you make onlytherriinimum pps?ayrrent each period, you wlII pay more in interest and it will take you longer to pay offyot,r balance. for example: P. 113 Account Ending 0-51007 Membership Rewards"' Points As of 09112110 12,063 .-L For dtrtails, please see your Membership Rewards page. Account Summary Previous Balance g4,470.:36 Payrne.rtts/Credits t 50.00 New CNo yerr 40.00 Fees +425.00 Interest Charged +$31.54 If YOU makienoadditionaI YouwirpayofftIlabilaiit*1 A nd you w ill pay a n NEW Balance $4,546.90 chargesandenrhmonthyou shown on this statement lei estinr<xrrllpralof.,. MinimanvPaym&otMw $401.001 pay... about... --- .-....... .... Only Ilie Credit Lan it S6.2UO.v0 4liilenumPayment Due 21 yFars $9,491 Available credit $10653.10 t "' -- Cash Advance Limit 5200.0C If you would like information about credit counseling rerview, can f-OW-733••4139. Avaaiable Cast. 1200.00 Seepage 2farimpoet:u,lirefrunwtionabout your account. Days in gilliiiiig Period: 30 ... -•• •• v Your account is past due. Pay the past due amount immediately. Customer Can Pa erkane npuear 1 ^_. l americarsexpressconvtpbc 11 Customer Care Pay by Phone 1-888 BLUe-741 1 X04-472-9297 See page-2 for additional information. fr Please fold on the perforation below. detach acid return with your payment + ?P"moritCoapon Pay bytornputer Pay by Phan* Enter account nuivrt,ar o„ all dos-ijments. Do not stapleor use paperclips americanexpress.con,/pbc 01.800 472 9297 Make check payableto Ameri:an Exfxem. Please prim rlFwly in bkreor black inkonly. 'I['111111'I1I1111aIIlrllallarl.Irlrr"1'illlllll'IIrlErlll'1'Idl ; -' ----- -?---- KENNETH A $HOL.LEY Payment Due Date 639 GETTYSBURG PIKE .10107114 MECHAWS13MG PA 17055-5725 i New Balance dt h W W 8 N Check Itcl a if your address or phone member has changed. Noire changesan reverse side. Il'i'I'llllllll'rlrill"l?lll lllrrl.Il rIII11rIIrilr?I.llli111111' AMERICAN EXPRESS P.O. BOX 1270 NEWARK N1 07101-1770 $4,64690 Minimum Payment Due SaW1,00 Amount Endomd 0000349990550673261 0004546900000++0100 09 H DUPLICATE COPY Blue from American Express" P. KENNETH A SHOLLEY = Closing Date 09112/10 Account Ending 0-51007 es 091MA0 KENNEIHASHOLlEY Total Fees for this Period Late Payment Fee Amount $25.00 $25.00 Interest Charged 09112110 Interest Charge on Purc bases 09112'10 lntewsl Charge on Promotional Ralancm Tarsi interest Changed for this Period $4029 $52'? $51.54 2010 Fees and Interest Totals Year-to-Date Amount Total Fees in 2010 $103.00 Totalk4erest in 2010 $156,33 Inciuries leas and interest c harged fi rr billing periods with closing darns on or after June 25, x010 Interest Charge Calculation Your Annual Pr rrFUfrye Rate (APRs is the annuill nearest rate on your acroum. Annual Reliance Subject Interest Percentage Rata to Interest Rate charge Purchases 15.2445 (+) $3,699.85 $46.29 Cash Adva nces 25.24% (y) $ 0.00 $0.00 OwcWBalancc Tra nsfer 1.(y.)% 519867 $'L25 Total - 5,g? y1 - (v) variable Rae E b $ e 7 m • Amount 44 J Blue from American Expressa"' KENNETH A SHOLLEY Closing Date 10/13/10 New Balance $4,571.90 Minimum Payment Due $492.00 Includes the past due amount of $401.00 Payment Due Date 11/07/10 Late Payment Warning: If we do not receiveyour Minimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee of up to $35.00 and your Purchase APR may be increasedto the Penalty APR of 27.24%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longerto pay off your balance. For example: If you make no additional You will pay off the balance And you will pay an charges and each month you shown on this statement in ! estimated total of.. pay... about... - - -- - - -- ------------ ---- -- ------- ---- Onlythe Minimum Payment Due 21 years p. 1/3 Account Ending 0-51007 r ! Earn points on all of your purchases, everywhere you use the Card. Visit www.americanexpress.com/rewards $9,432 Account Summary -__...__...-' -- -?- ..-- ._ - -----?--.- Previous Balance $4,546.90 Payments/Credits +$0.00 E New Charges +$0.00 I Fees +$25.00 I Interest Charged +$0.00 New Balance $4,571.90 Minimum Payment Due $492.00 Credit Limit $4,700.00 Avai (able Cred it $128.10 Cash Advance Limit $0.00 Available Cash $0.00 If you would like information about credit counseling services, call 1-888-733-4139. Seepage 2 for important information about your account. © Your account is past due. Pay the past due amount immediately. This statement is for information purposes only. This is not a bill. Please contact your collections agency for account information. Disregard the Minimum Payment Due, your account is in default and the balance is due in full. O Please note, your credit limit is $4,700.00 and your cash limit is $0.00. Days in Billing Period: 31 Customer Care -- -------- P Cop - F - i©americanex ress.com/ be L Customer Caw Pay by Phone 1-888-BLUE-741 1-800-472-9297 u See page 2 for additional information. + Pleasefold on the perforation below, detach and return with your payment J ® Payment Coupon faml Pay by Computer Pay by Phone Do not staple or use paper clips americanexpress.com/pbc 1-800-472-9297 .?Ilrllllllll"'II'1111111111111"I'llllll'lllllllllll'11'll'lll? KENNETH A SHOLLEY 639 GETTYSBURG PIKE MECHANICSBURG PA 17055-5725 Enter account number on all documents. Make check payableto American Express. Please print clearly in blue or black ink only. Payment Due Date 11/07/10 New Balance $4,571.90 Minimum Payment Due $492.00 Ilhlllll'll..I'111'Irl11r11111111111111111111'11111111"11'1'111 $ AMERICAN EXPRESS • ? Check here if your dresso P.O BOX 1270 AmountEndosed phone number umber has has changed. . Note changes on reverse side. NEWARK NJ 07101-1270 0000349990550673281 000457190000049200 09 ri Blue from American Expresssm P. 3/3 KENNETH A SHOLLEY Closing Date 10/13110 Account Ending 0-51007 Fees Amount 10/09/10 KENNETH A SHOLLEY Late Payment Fee $25.00 Total Fans for this Period $25.00 Amount Total Intm eatChargedfor this Period $0.00 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual ParcentageRata BalancoSubject toMtmastRate Ir-tMwt Charge Purchases 15.24% (v) $0.00 $0.00 Cash Advances 25.24%(v) $0.00 $0.00 Check/BalanceTransfer 7.99% $0.00 $0.00 Total $0.00 10 Variable Rote Blue from American Express$" ' KENNETH A SHOLLEY Closing Date 11/12/10 New Balance $4,571.90 Minimum Payment Due $583.00 Includes the past due amount of $492.00 Payment Due Date 12/07/10 Late Payment Warning: If we do not receiveyour Minimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee of up to $35.00 and your Purchase APR may be increased to the Penalty APR of 27.24%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longerto pay off your balance. For example: If you make no additional I You will payoff the balance And you will pay an charges and each month you ! shown on this statement in estimated total of... pay... about... Only the Minimum Payment Due 21 Yin $9,320 If you would like information about credit counseling services, call 1-888-733-4139. IF) See page 2 for important information about your account. P. 1/5 Account Ending 0-51007 r Earn points on all of your purchases, everywhere you use the Card. Visit www.americanexpress.com/rewards i © Your account is past due. Pay the past due amount immediately. This statement is for information purposes only. This is not a bill. Please contact your collections agency for account information. Disregard the Minimum Payment Due, your account is in default and the balance is due in full. F,j See Page 5 for important information about your account and an updated copy of your Cardmember Agreement. 4 Pleasefold on the perforation below, detach and return with your payment J Account summary Previous Balance $4,571.90 Payments/Credits +$0.00 New Charges +$0.00 Fees +$0.00 Interest Charged +$0.00 Now Balance Balance $4,571.90 Minimum Paymerrt Due $583.00 Credit Limit $4,700.00 Available Credit i $128.10 Cash Advance Limit $0.00 Available Cash $0.00 Days in Billing Period: 30 Customer Care C Q Pay by Computer americanexpress.com/pbc Customr Care Pay by Phone 1-888-BLUE-741 1.800-472-9297 1J See page 2 for additional information. ® Pay -m- coupon Q Pay by computer ? Pay by Phone Donotstaple orusepaperclips americanexpress.com/pbc 1-800-472-9297 rl?lllrll6lrliltrrlll?lllllll?llrlrll?lll?l?ll??'?Il?llrll????l? KENNETH A SHOLLEY 639 GETTYSBURG PIKE MECHANICSBURG PA 17055-5725 Enter account number on all documents. Makecheck payableto American Express. Pleaseprint cleadyin blue or black inkonly. Payment Due Date 12/07/10 New Balance $4,571.90 Minimum Payment Due $583.00 IIIIII?II?I??I???I?II??'1?'1?111?1??1111??11111?1111'I???IIr???l? AMERICAN EXPRESS Check • number your has address changedor. P.O. BOX 1270 AmountEndosed phone ne number has $ p Note changes on reverse side. NEWARK N1 07101-1270 0000349990550673281 000457190000058300 09 d Blue from American Express SM P. 3/6 • KENNETH A SHOLLEY Closing Date 11/12/10 Account Ending 0-51007 Fees Amount Total Fees forthis Period $0.00 Interest Charged Amount Total InterestChargedforthisPeriod $0.00 Interest Charge Calculation 1 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Subject Irrtarest PercantageRate to Interest Rate Charge Purchases 15.24%(v) $0.00 $0.00 Cash Advances 25.24%(v) $0.00 $0.00 Check/BalanceTransfer 7.99% $0.00 $0.00 Total $0.00 M Variable Rate Blue from American Express$"' KENNETH A SHOLLEY Closing Date 11112/10 New Balance $4,571.90 Minimum Payment Due $583.00 Includes the past due amount of $492.00 Payment Due Date 12/07/10 Late Payment Warning: If we do not receiveyour Minimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee of up to $35.00 and your Purchase APR may be increased to the Penalty APR of 27.24%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longerto pay off your balance. For example: If you make no additional I You will pay off the balance And you will pay an charges and each month you shown on this statement in estimated total of... pay... about... Only the Minimum Payment Due 21 years $9,320 If you would like information about credit counseling services, call 1-888-733-4139. 1J See page 2 for important information about your account. P. 1 /5 Account Ending 0-51007 Earn points on all of your purchases, everywhere you use the Card. Visit www.americanexpress.com/rewards Account Summary Previous Balance $4,571.90 Payments/Credits +$0.00 New Charges +$0.00 Fees +$0.00 Interest Charged +$0.00 r New Balance $4,571.901 Minimum Payment Due $583.00 Credit Limit $4,700.00 Available Credit $128.10 Cash Advance Limit $0.00 Available Cash $0.00 Your account is past due. Pay the past due amount immediately. This statement is for information purposes only. This is not a bill. Please contact your collections agency for account information. Disregard the Minimum Payment Due, your account is in default and the balance is due in full. See Page 5 for important information about your account and an updated copy of your Cardmember Agreement. + Please fold on the perforation below, detach and return with your payment J Days in Billing Period: 30 Customer Care Pay by Computer 1 americanexpress.com/pbc 11 Customer Caw Pay by Phone 1,888-BLUE-741 1-800-472-9297 I) See page 2 for additional information. ® Payment Coupon r Ml by Computer Pay by Phone Donotstapleorusepaperclips americanexpress.com/pbc 1-800-472-9297 rlllllrlll?lrlillrr11111111111111r1?lll1111111111'111111r11??l?lr KENNETH A SHOLLEY 639 GETTYSBURG PIKE MECHANICSBURG PA 17055-5725 Enter account number on all documents. Make check payableto American Express. Please print clearly in blue or black ink only. Payment Due Date 12/07/10 New Balance $4,571.90 Minimum Payment Due $583.00 11111111'1'll'1'1'nll1111If Jill 1111111'I11111'1111'Illlll"1111 AMERICAN EXPRESS $ • Check here if your dresso P.O. BOX 1270 AmountEndosed phone number umber has has changed. . Note changes on reverse side. NEWARK NJ 07101-1270 0000349990550673281 000457190000058300 09 H Blue from American Express KENNETH A SHOLLEY Closing Date 12/13/10 p. 3/3 Account Ending 0-51007 Fees Amount Total FeesfortMs Periiod $0,00 Interest Charged Amount Total InboestChargedfor this Period $0.00 2010 Fees and Interest Totals Year-to-Date Amount Total Fees in 2010 $128.00 Total Interest in 2010 $156.33 .. ._ , w..... .. ..._ ...... y _.. ........... .. Includes fees and interest charged for billing periods with closing dates on or afterJune 25, 2010. Interest Charge Calculation I Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual BalancaSubject Intarost Percentage Rate tolntarastRate Charge Purchases 15.24% (v) $0.00 $0.00 Cash Advances 25.24%(v) $0.00 $0.00 Check/BalanceTransfer 7.9946 $0.00 $0.00 Total $0.00 M Variable Rate Blue from American Express"' • KENNETH A SHOLLEY Closing Date 12/13/10 New Balance $4,571.90 Minimum Payment Due $674.00 Includes the past due amount of $583.00 Payment Due Date 01/07/11 Late Payment Warning: If we do not receive your Minimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee of up to $35.00 and your Purchase APR maybe increased to the Penalty APR of 27.24%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longerto pay off your balance. For example: If you make no additional You will payoff the balance And you will pay an charges and each month you shown on this statement in estimated total o£.. pay... about... Only the $9.211 Minimum Payment Due 21 Years If you would like information about credit counseling services, call 1-888-733-4139. "'I Seepage 2 for important information about your account. © Your account is past due. Pay the past due amount immediately. This statement is for information purposes only. This is not a bill. Please contact your collections agency for account information. Disregard the Minimum Payment Due, your account is in default and the balance is due in full. + Pleasefold on the perforation below, detach and return with your payment I p. 1/3 Account Ending 0-51007 Earn points on all of your purchases, everywhere you use the Card. Visit www.americanexpress.com/rewards Hccount Summary Previous Balance $4,571.90 1 Payments/Credits +$0.00 New Charges +$0.00 Fees +$0.00 E Interest Charged +$0.00 ( NwrBalanu 54,571.90 Minimum Payme d Due $674.001 Credit Limit $4,700.00 Available Credit $128.10 Cash Advance Limit $0.00 Available Cash $0.00 Days in Billing Period: 31 Customer Care © Pay by Compute r # americanexpress.com/pbc c Customer Care Pay by Phone 1688-BLUE-741 1-800-472-9297 iJ See page 2 for additional information. ® Payment Coupon n Pay by Computer Q Pay by Phone Account Ending 0.51007 Do not stapleor use paperclips =i a mericanexpress.com/pbc 1-800-472-9297 Enter acco u nt n u m be r o n al I docu me nts. Make check payable to American Express. IIIIrIIrIlrlllrlrllll?1111"III'IIIII'I?I?I?'I"I??rr?Ilrllrll?ll KENNETH A SHOLLEY 2901 SOCIETY HILL DR APT 101 CAMP HILL PA 17011-8113 Payment Due Date 01/07/11 New Balance $4,571.90 Minimum Payment Due $674.00 IIIIIIIIIifIIII IIIrI111111111 life rr111111111111lrrrroil1111111Ilr here if your address or AMERICAN EXPRESS 5 • Check P.O. BOX 1270 AmeuntEndosed phone number has has changed. Note changes on reverse side. NEWARK N1 07101-1270 0000349990550673281 000457190000067400 09 rl Blue from American Express"'"" • KENNETH A SHOLLEY Closing Date 12/13/10 p. 3/3 Account Ending 0-51007 Fees Amount Total Fees for this Period $0.00 Interest Charged Amount Total Interest Chargedfor this Period $0.00 12010 Fees and Interest Totals Year-to-Date I Amount Total Fees in 2010 Total Interest in 2010 #156.33 Includes fees and interest charged for billing periods with closing dates on or afterJune 25, 2010. Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual PercentageRate BalancoSubject tolletwestRaft Interest Charge Purchases 15.24% (v) #0.00 #0.00 Cash Advances 25.24%(v) #0.00 #0.00 Check/BalanceTransfer 7.99% #0.00 #0.00 Total $0.00 M Variable bete IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA 'AMERICAN EXPRESS CENTURION BANK : No. 11-4570 Plaintiff vs. KENNETH A. SHOLLEY :CIVIL ACTION Defendant t a . , CD rxa -r -- -W ? r 01 D PRAECIPE TO S1 -BSTITUTE VERIFICATION is TO THE PROTHONOTARY: Kindly substitute the attached Verification to the Complaint in lieu of the Attorney Verification originally attached. 4 (j Andr-?w Sklar, Esquire Attonr ey for Plaintiff Irk #65332 102 R> - caning Ln, Bldg B, Ste I Cl-crrv Fall NJ 08003 856!616-8710 FILE NO.: A1001277 JIONG ZHAO VERIFICATION ASSISTANT CUSTODIAN OF RECORDS , deposes and says that he is an employee of the Plaintiff and is authorized to make this verification on behalf of the Plaintiff, and that the facts set forth in the foregoing pleading are true and correct to the best of his knowledge, information and belief; and that this statement is made subject to the penalties of 18 Pa. C. S. §4904 relating to unsworn falsifications to authorities. ! Date: HONG ZHAO ASSISTANT CUSTODIAN OF RECORDS File No.: A1001277 . HE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS CENTURION : No. 11-4570 BANK Plaintiff VS. :CIVIL ACTION mm; KENNETH A. SHOLLEY Defendant PO • ?? Z: PRAECIPE TO REINSTATE COMPLAINT C-n d- c-4 TO THE PROTHONOTARY: ck? Kindly reinstate the complaint in the above matter. Andre ar, Esquire Attorney for Plaintiff ID #65332 Sklar - Markind 102 Browning Ln, Bldg B, Ste 1 Cherry Hill NJ 08003 856/616-8710 FILE NO.: A1001277 Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor pov r.f4116 i ? d } t' t all jqo& rm q00 American Express Centurion Bank vs. Kenneth A. Sholley Case Number 2011-4570 SHERIFF'S RETURN OF SERVICE 08/02/2011 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that on August 2, 2011 at 1535 hours, he was unable to serve a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Kenneth A. Sholley. After several attempts the Complaint and Notice has expired. SHERIFF COST: $43.00 August 02, 2011 SHERIFF'S OFFICE OF CUMBERLAND COUNTY i.. SO ANSWERS, RON ? R ANDERSON, SHERIFF Lloyd S. Markind, Esquire (ID #52507) Markind Law Group, P.C. 102 Browning Lane, Building B, Suite 1 Cherry Hill, NJ 08003 856-616-8710 Attorneys for Plaintiff FILE NO.: A1001277 iLED-OF ICE THE 1- b:OTHOUOTARY 20:1; OCT 1 4 PH CLIMBERLAI`O COWITY 'ENP!SYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW AMERICAN EXPRESS CENTURION BANK Plaintiff vs. KENNETH A. SHOLLEY Defendant TO THE PROTHONOTARY: : No. 11-4570 TERM : CIVIL ACTION PRAECIPE TO DISCONTINUE Kindly mark this action as settled, discontinued, and ended Date: f Lloyd !Markind, Esquire (ID #52507) Attorneys for Plaintiff Markind Law Group, P.C. 102 Browning Lane, Bldg B, Suite 1 Cherry Hill, NJ 08003 (856) 616-8710 phone (856) 616-8716 fax Lloyd S. Markind, Esquire (ID #52507) Markind Law Group, P.C. 102 Browning Lane, Building B, Suite 1 Cherry Hill, NJ 08003 856-616-8710 Attorneys for Plaintiff FILE NO.: A1001277 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW AMERICAN EXPRESS CENTURION : No. 11-4570 BANK Plaintiff TERM vs. : CIVIL ACTION KENNETH A. SHOLLEY Defendant CERTIFICATE OF SERVICE I, Dawn Valsan, mailed this Praecipe to Defendant at the following address: Date: \q\ 2901 Society Hill Drive Camp Hill, PA 17011