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HomeMy WebLinkAbout11-5535IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA C7 c r,, c) -, CIVIL DIVISION: CLAIMS RECOVERY SYSTEMS) ` Plaintiff, ) No. - S?J 3S . ?, „' --i o _-, , . ... >C= Z3 C Vs. ) TYPE OF PLEADING: COMPLAINT JAMES M LINDSEY, ) Defendant(s), ) Filed on behalf of: )CLAIMS RECOVERY SYST EMS Counsel of record: Thomas L. Maher, Esq. P.O. Box 73 Sewickley PA 15143 412 583 3123 PA ID # 207970 FEDERAL DISCLOSURE THIS IS AN ATTEMPT TO COLLECT A DEBT ANY INFORMATION OBTAINED WILL BE USED SOLEY FOR THAT PURPOSE C-<;) aa? U 99. 66 pd C?.?-a45a5 COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CLAIMS RECOVERY SYSTEMS, : Plaintiff No.... vs. JAMES M LINDSEY CIVIL ACTION Defendant COMPLAINT 1. The Plaintiff is CLAIMS RECOVERY SYSTEMS. (CRS), with a place of business at 6 East Main Street Carnegie PA 15210, successor in interest to the Defendants line of credit from 1St National Bank of Omaha, see Exhibit A. 2. The Defendant(s) is JAMES M LINDSEY, adult individuals with an address of 14 Noble Dr Shippensburg PA 17257. Count I - Breach of Contract - Written 3 . Defendant accepted a line of credit from 1St National Bank of Omaha. See Exhibit B and C, cardmember agreement and monthly statements. 4. The Defendant has defaulted on said line of credit by failing to make monthly payments as they became due and owing. 5. The last payments of the Defendant was received and credited within the four year statute of limitiations. 6. The within account was sold to Claims Recovery Systems ("CRS ") for valuable consideration, see Exhibit A, chain of title. 7. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the principal balance or any part thereof to Plaintiff and is therefore in breach of contract. WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant, in the amount $12,807.72 Thomas L Maher, Esquire`'-- Atty. I.D. 207970 Attorney for Plaintiff CLAIMS RECOVERY SYSTEMS VERIFICATION I, Craig Barrett, am fully familiar with the facts set forth in this complaint. I verify the facts set forth in the within allegations are true and correct to the best of my knowledge, knowing that any false statements are punishable by law pursuant to 18 C.S.A. 4904. Craig Barrett, Manager CLAIMS RECOVERY SYSTEMS COMMONWEALTH OF PENNSYLVANIA CUMBERLAND COUNTY In the Matter of: CLAIMS RECOVERY SYSTEMS v JAMES M LINDSEY NO: NOTICE OF APPEARANCE Please enter my appearance in the above-designated matter on behalf of CLAIMS RECOVERY SYSTEMS I am authorized to accept service on behalf of said participant in this matter. On the basis of this notice, I request a copy of each document hereafter issued by the COUNTY OF CUMBERLAND in this matter. Thomas L Maher, Esquire Atty. I.D. 207970 Attorney for Plaintiff P.O. Box 73 Sewickley PA 15143 EXHIBTT)q Assignment and Bill of Sale First National Bank Omaha (the "Seller"), has entered into a Purchase Agreement dated, August 28`b 2009 (the "Agreement") for the sale of certain Accounts receivable described in the Purchase Agreement so dated, with Main Street Acquisition Corn (the "Buyer"), upon the terms and conditions set forth in the Agreement. Now, therefore, for good and valuable consideration, Seller hereby sells, assigns, and transfers to Buyer, its successor and assigns, all of the Seller's rights, and title, and interest in each and every one of the following Pool of Accounts described in the Agreement: Account Type Face Value Number of Accounts Visa/Mastercard the Account Data for such Accounts has been provided in the form of Exhibit F to the Agreement, incorporated herein by reference. The Account Data is incorporated herein by reference. Buyer and Seller agree that the Purchase Price shall be stated in "Exhibit B", the Closing Statement of the Agreement. In witness thereof, Seller has assigned and delivered this instrument on this 28t' day of August 2009. First National Bank Omaha By: ame: Joseph W. Barrv Title: Senior Vice President/Default Mgmt By: Name: Amv ouchard Title: Vice President/Finance Subscribed to and sworn to before me this day of b Joseph W. Barry, Senior Vice President of Default Management of the Vom=awy and Amy y Bouchard, Vice President of Finance of the Company. GENERAL. NOTARY-State JEAN H M cCAIQ My Comm 6cp. Dec. 5, 2010 Notary blie Main Street 8/28/2009 Page 11 of 15 T.-1-X Nkt 1-i k BILL OF SALE AND ASSIGNMENT This BILL OF SALE AND ASSIGNMENT (this "Assignment"), dated as of December 9, 2010, is executed by MAIN STREET ACQUISITION CORP., a Nevada corporation (the "Seller"), in favor of CLAIMS RECOVERY SYSTEMS, INC., a Pennsylvania corporation (the "Purchaser"). Except as otherwise defined herein, all capitalized terms used in this Assignment shall have the respective meanings ascribed to such terms in that certain Purchase and Sale Agreement, dated as of December 9, 2010 (he "Agreement"), by and between he Seller and the Purchaser. For value received and subject to he terms and conditions of the Agreement, the Seller hereby transfers, sells, assigns, conveys, grants, bargains, sets over and delivers to the Purchaser, and to the Purchaser's successors and assigns, all of the Seller's rights, title and interest in and to the Accounts and any claims arising out of the Accounts described in the Agreement and contained in the electronic file provided to the Purchaser on even date herewith. This Assignment is executed without recourse and without representations or warranties including, without limitation, warranties as to collectibility, except as otherwise provided in the Agreement. Seller: MAIN STREET ACQUISITION CORP., a Nevada corporation By: Name: Ashley *ohn. n T itle: Vice President STATE OF GEORGIA COUNTY OF GWINNETT i ss. SUBSCRIBED AND SWORN to (or affirmed) before me on this 9`h day of December, 2010, by Ashley L. Johnson, Vice President of Main Street Acquisition Corp., a Nevada corporion, personally known to me or proved to me on the basis of satisfactory evidence to be he person who appeared before me. WITNESS my hand and official seal. Signature: (Seal]: ff `*?ef?°laptoilt`Fl tH ?NXN 1. Definine some common terms used in this document This section explains what this document means when it uses common terms like "us, " "you " or "agreement. " These detailed definitions help us avoid repeating long terms over and over again-which helps make the document easier to read. This Cardmember Agreement together with the accompanying Rates and Terms Schedule ("Schedule") govern your account with First Bankcard (a division of First National Bank of Omaha) and are collectively referred to below as the "Agreement". The Schedule provides important information about annual percentage rates, specific types and amounts of finance charges and fees that may be charged to your account under certain circumstances and other important information about your account. Please read this Cardmember Agreement and the Schedule carefully and retain both for future reference. As used in this Agreement, the words "you" and "your" mean each person named on the application for the account and anyone else who uses the account in any way. The terms "we", "us" and "our" mean First Bankcard (a division of First National Bank of Omaha). Using or allowing someone else to use your account means you accept the terms of the Agreement. This Agreement contains our most current terms and supersedes earlier materials you may have received. (Please note: although your account will generally have monthly billing cycles, your first billing cycle may be more or less than one month. All credit terms, including minimum finance charges, will apply in each billing cycle including the first billing cycle.) BALANCE CATEGORIES. We will keep track of the activity on your account in different "Balance Categories". Unless we tell you otherwise, these are the Balance Categories we will use: "Purchases" which will result from use of your card or your account number to purchase goods and services; "Cash Advances" which will result from cash advances you request, use of checks or similar instruments (including electronic form or otherwise) that we provide (unless we tell you they will be treated differently), and Cash Equivalent Transactions (as defined later in this Agreement); "Balance Transfers" which will result from balance transfers that you request by any means, including balance transfer checks or similar instruments (including electronic form or otherwise); and "Special Offers" which will result from use of your card or your account number to take advantage of special, introductory or promotional offers that we identify to you from time to time. Each Special Offer may be considered a separate Balance Category. 2. How you may use the account This section explains a few basic rules about how you and others may use your account, your responsibility for the account, and how we may limit your use of the account. ACCOUNT USE. You may use your card, your account number or checks or similar instruments (including electronic form or otherwise) that we send to you to make purchases and balance transfers and to obtain cash advances. Each time you use your account, you are representing that you intend, and have the ability, to repay all amounts due on your account. You are responsible for all charges made by anyone you allow to use your account, even if they charge more than you intended. If you ask us to issue a card to someone, you are responsible for their charges until you return their card to us or until you notify us that use of their card is no longer authorized, whichever occurs first. We may consider charges made by your immediate family as authorized by you and your responsibility. If unauthorized use of your account occurs, you agree to cooperate with us and law enforcement authorities in identifying the unauthorized user. You are each jointly and severally liable for all amounts due on this account regardless of which of you uses it or benefits from that use. REVOLVING CREDIT LIMIT/AUTHORIZATIONS: Your World MasterCardo has no pre-set spending limit. No pre-set spending limit does not mean unlimited spending. Your account will be assigned a revolving credit limit for W LD310 Purchases and Cash Advances. For Cash Advances, you may only spend up to your assigned cash revolving credit limit. For Purchases, you may be authorized to exceed your assigned revolving credit limit. Each transaction you make is authorized based on factors such as (1) your account history; (2) credit record; (3) absence or presence of suspected fraud; and (4) performance and delinquency patterns. If you attempt to make a transaction that exceeds your assigned revolving credit limit for Purchases, your account will be evaluated based upon the length of time your account has been open and account usage, performance and delinquency patterns with us, current and historical information regarding your credit in general, and your ability to repay. In certain circumstances, we may ask for additional financial records to authorize a transaction. If you are authorized to exceed your revolving credit limit, you will be required to pay, as part of your minimum monthly payment, the amount by which your New Balance exceeds your revolving credit limit. We encourage you to provide us with notice of forthcoming unusual activity, such as high transaction amounts, high velocity, or changes in geographic patterns. If your account is a joint account, each of you may request revolving credit limit increases (unless you are less than twenty-one years of age and were required by law to have a joint account, in which case, all joint account owners must approve and assume joint liability for any request for increase). We may raise or lower your revolving credit limit at our discretion and may restrict the amount of the revolving credit limit available for cash advances and balance transfers. You may not use your account for (and we may decline authorization for) any illegal transaction. We may decline authorization for any Internet gambling transaction. We may, in our discretion and to the extent permitted by law, restrict or delay the availability of credit to you for our risk management purposes and to protect you and us against actual or potential fraud, unauthorized transactions, or claims. We are not liable for declining authorization for any particular transaction, regardless of our reason. 3. How we determine and apply account payments This section explains your responsibility for making account payments, how we determine the amounts you must pay and how we apply payments to your account. PAYMENTS: (A) Promise to Pay: You promise to pay all amounts due on your account. You agree to review your billing statements and to notify us promptly of any errors (see "Your Billing Rights" below). If you do not promptly notify us of a billing error, you agree that your billing statement will be considered proof of the amount you are obligated to pay. You may pay all or a part of the balance on your account at any time. However, you must pay at least the minimum payment shown on your billing statement by the due date. You agree to follow the requirements for payments that we set forth on your billing statement from time to time, including requirements that payments be made in United States Dollars and that checks be drawn on a United States bank. If we choose to accept a payment that is not in United States Dollars or not drawn on a United States bank, you agree to pay any collection or conversion fees assessed to us by third parties. We may accent payments which are marked "payment in full" or with similar markings without losing our right to receive payment in full Partial payments offered in full satisfaction of a d1s uted amount must be sent to the address for notice of billing errors shown on our billing statement. We reserve our rights as to all such payments. (B) Minimum Payment Calculation: The amount of your minimum payment will be indicated on your billing statement and calculated as shown on the Schedule. (C) Application of Payments: We may apply your payments in the order we choose from time to time. We must, however, comply with applicable law governing application of your payments. Currently, this means that if you make a payment in excess of the required minimum payment, we must apply the excess amount first to your Balance Category with the highest Annual Percentage Rate. Any remaining portion of that excess amount must be applied to your other Balance Categories in descending order based on their applicable Annual Percentage Rates. Until we determine a payment is unlikely to be returned for insufficient funds or for some other reason, your available credit may not reflect the payment. W LD310 (D) Application of Credits: We will apply credits to your account as promptly as required by law. Credits may be applied to the Balance Categories that we choose, even if those Balance Categories are different than the Balance Categories of the transactions giving rise to the credits. A credit may be applied on the date of the credit transaction. In some cases, however, credits may not be posted to your account until a billing cycle occurring after the date of the credit transaction. 4. How certain rates are calculated and may chanee This section provides basic information about how we calculate certain interest rates that may apply to your account and the circumstances that can trigger increases in APRs. VARIABLE RATE INFORMATION.- If any Annual Percentage Rate is variable, your rate is determined by adding the applicable Margin to the applicable Index (in some cases, the applicable Margin may be subtracted from the applicable Index). The daily periodic rate is 1/365th (1/366' during leap years) of the Annual Percentage Rate. The Schedule will show if you have a variable rate and will describe your Index and Margin. An increase in the Index will increase the applicable Annual Percentage Rate and daily periodic rate, which may increase the minimum payment due on your account. RATE INCREASES DUE TO TRIGGERING EVENTS. We may increase any or all of your Annual Percentage Rates (including, but not limited to, Preferred, Introductory or Special Offer Rates) if one of these "Triggering Events" occurs: you fail to make a minimum payment to us when due; or you make a payment to us that is dishonored for any reason. If we increase your rates due to a Triggering Event, we may determine the amount of the increase based on how you have handled your account with us and current and historical information regarding your credit in general. We will give you a notice of the increase. The highest rate that may apply because of a Triggering Event will be the Penalty Rate (or "Penalty APR") shown on the Schedule. Increased rates will not apply to balances that you incur prior to or within 14 days after we provide the notice of increase. Increased rates due to Triggering Events may not occur prior to the first anniversary of opening your account. Rate increases may remain in effect indefinitely. RATE INCREASES IF YOUARE 60 DAYS LATE: If we do not receive your required minimum payment within 60 days after its due date, the rules in the preceding paragraph apply, but are modified as follows: (1) increased rates may apply to balances incurred prior to and after the notice of increase; (2) increased rates may apply before the first anniversary of opening your account; and (3) increased rates will cease to apply if we receive six consecutive monthly minimum payments on or before their payment due dates, beginning with the first payment due date following the effective date of the increase (when an increased rate ceases to apply, the rate in effect before the increase will again apply as disclosed). 5. How we calculate interest charees and the balances subject to interest This section helps explains how we determine the amount of your periodic rate finance charges (interest charges) for different account transactions. It also explains how you can avoid or reduce these interest charges. This section also explains how we determine the balances of your account that will be subject to interest charges at the end of each billing cycle. ACCRUAL OF FINANCE CHARGES. Except as provided in "Grace Period" below, we will accrue periodic rate finance charges on each of the Balance Categories from the date of each transaction or the first day of the billing cycle in which the transaction is added to your account, whichever is more recent. GRACE PERIOD: If (1) you pay your New Balance in full, as shown on your current billing statement, on or before the due date (which will be at least twenty-one (21) days from the closing date of the billing cycle) and (2) we received payment in full of your New Balance indicated on your previous billing statement by its due date or that New Balance was zero or a credit, periodic rate finance charges will not be assessed on Purchases shown on your next billing statement. Payment in full is generally required to obtain the benefit of the grace period. We will, however, give you the benefit of the grace period for partial payments to the extent required by law (please be aware, however, that this WLD310 requirement only exists in limited circumstances). The grace period applies only to Purchases and if notified, Special Offers. It does not apply to Balance Transfers or Cash Advances. PERIODIC RATE FINANCE CHARGES: Periodic rate finance charges will be calculated using daily periodic rates which correspond to certain Annual Percentage Rates. These rates may be different for Purchases, Balance Transfers, Cash Advances, and Special Offers. (A) If your account was opened with an Introductory Rate(s), the rate(s) for your account will be at the Introductory Rate(s) shown on the Schedule. The Introductory Rate(s) will continue in effect as shown on the Schedule. (B) After the Introductory Rate(s) expire (or if your account does not have an Introductory Rate), the Preferred Rate(s) for your account will be the rate(s) shown on the Schedule. Those Preferred Rates may be variable. FINANCE CHARGESAND BALANCE CALCULATIONS: We use the Average Daily Balance (including new purchases) method to compute a portion of the Finance Charges on your account. We calculate periodic rate finance charges separately for each Balance Category. (A) To compute Billed Periodic Rate Finance Charges: (1) For each Balance Category, we multiply your Daily Balance (see below) by the applicable daily periodic rate for each day of the billing cycle; then (2) We add together all of the products calculated in (1) above. (B) To compute the Daily Balance for each Balance Categorv: (1) We take the Beginning Balance of each day; (2) Add any new transactions (such as purchases, balance transfers, cash advances and debit adjustments, as applicable) and any new fees; (3) Subtract any applicable payments, credits, or credit adjustments; and (4) We treat a credit balance as a balance of zero. For purposes of these computations, we may delay adding some fees to your Daily Balance (for example, some fees may not be added to your Daily Balance until the billing cycle after they are imposed). We may also subtract some payments or portions of some payments from your Daily Balance earlier than when they were actually received (for example, for grace period purposes, portions of some payments received in one billing cycle may be considered applied to your Purchase Balance Category or Special Offer Balance Category, as applicable, at the end of the prior billing cycle). We add the amount calculated in accordance with (A) (1) above to the Daily Balance and this amount becomes the Beginning Balance for the next day. On your billing statement, we will calculate an Average Daily Balance for each Balance Category by adding all your Daily Balances for that Balance Category and dividing that amount by the number of days in the billing cycle. If you multiply the Average Daily Balance for a Balance Category by its daily periodic rate and multiply the result by the number of days in the billing cycle, the total will equal the Billed Periodic Rate Finance Charges for that Balance Category, except for minor variations due to rounding. WLD310 Billed Periodic Rate Finance Charges shall also be referred to and appear on your statement labeled as "Interest Charge" for each Balance Category. The Interest Charges for each Balance Category shall be totaled on your statement and listed as the "Total Interest". Cash advance, balance transfer, and foreign transaction fee Finance Charges, if any, will be listed under the "Fees" heading on your billing statement and all fees will be totaled to determine "Total Fees' This Agreement provides for daily compounding of finance charges and fees. MINIMUM FINANCE CHARGE: If periodic rate Finance Charges are billed in any billing cycle, the minimum Billed Periodic Rate Finance Charge will be as shown on the Schedule. We may allocate your minimum Billed Periodic Rate Finance Charge among your various Balance Categories in the manner that we select from time to time. The "minimum Billed Periodic Rate Finance Charge" will appear on your statement as the "Minimum Interest Charge" under the Fees heading. 6. How we determine certain account fees and additional information on certain transactions This section describes the account maintenance fees, transaction fees and other fees that may apply to your account as well as additional information on various types of transactions. ANNUAL FEE. If your account has an annual membership fee, it is shown on the accompanying Schedule and will be charged to your account as a Purchase. If no annual fee is shown, then your account has no annual fee. MONTHLY MAINTENANCE FEE. If your account has a monthly maintenance fee, it is shown on the accompanying Schedule and will be charged to your account as a Purchase. If no monthly maintenance fee is shown, then your account has no monthly maintenance fee. OTHER FEES (such as late payment and service fees): We may charge additional fees as in effect from time to time as referenced below. The amount charged for these fees is shown in the Schedule unless otherwise indicated. Each of the below fees will be added to the Balance Category that we select. Late Fee. For each minimum payment which is not received by the payment due date or is dishonored for any reason, we may charge you a late fee as disclosed on the accompanying Schedule according to the amount of your New Balance. Payment Dishonored Fee. A payment dishonored fee may be assessed as indicated on the Schedule for: (i) any payment on your account which is dishonored or returned unpaid for any reason (including any payment returned because it is not signed, authorized or cannot be processed for any reason); and (ii) any Balance Transfer, Cash Advance, Special Offer check or similar instrument (including electronic form or otherwise) that is dishonored for any reason or for which we refuse to pay. Stop Payment Fee. A stop payment fee may be assessed as indicated on the Schedule for any stop payment order you request us to make. Copy Fees and Additional/Replacement Card Fees. We may charge you a fee for (i) each sales draft copy you request (unless the request is related to an actual billing error); (ii) each additional or replacement card requested; and (iii) for each copy of a billing statement that you request. Customized Card Design Fee. We may charge you a fee for having us complete a customized card design that you request. This fee is not listed on the Schedule but will be disclosed to you upon your request of such customized card design. Expedited Card Fees. We may charge you a fee for an expedited delivery of additional or replacement cards. This fee is not listed on the Schedule but will be disclosed to you upon your request of such expedited delivery. Expedited Payment Fee. Subject to applicable law, we may charge you a fee for making an expedited payment to us which requires assistance from one of our customer service representatives. This fee is not listed on the Schedule but will be disclosed to you upon your request of such expedited payment assistance. ATMSurcharge. For all ATM transactions, a surcharge may be imposed by the ATM operator. This surcharge is imposed by third parties and will be charged to your account. BALANCE TRANSFERS: We may permit you to transfer balances from other credit card companies or financial institutions to your account up to the amount of your revolving credit limit we make available for balance transfers. If W LD310 6 you request an amount that we do not approve, we may process a partial transfer for less than you requested or we may decline the entire request. You may not transfer any balance you owe from any other First National Bank of Omaha account or any of your accounts with any of our related companies. We will charge you a balance transfer fee Finance Charge for any balance transfer as shown on the accompanying Schedule. No grace period will apply when calculating finance charges for a balance transfer. You should not transfer any amount that is in dispute in order to preserve your dispute rights. You should continue to monitor the other accounts that you request to transfer balances from and you should continue to pay the minimum payments due on those accounts until you receive statements from those creditors showing that the balances due them have been paid in full. This may not happen until after the balance transfer appears on your billing statement from us. You are liable for any late payments, finance charges or disputed amounts on your other accounts. If you want your other accounts closed following a balance transfer, you are responsible for doing so. CASH ADVANCE FEE FINANCE CHARGES. A cash advance fee Finance Charge will be imposed on cash advance transactions as shown on the Schedule. Cash advance fee finance charges will be added to your Cash Advances Balance Category. CASHEQUIVALENT TRANSACTIONS. Cash advance fee Finance Charges for Cash Equivalent Transactions will be charged as indicated on the Schedule. Cash Equivalent Transactions are those transactions performed using a merchant or service provider that VISA' or MasterCard' identifies as a seller of travelers checks, foreign currency, money orders, wire transfers, lottery tickets, funds used for wagers or gambling, or similar products or services. These transactions are also treated as cash advances for all other purposes on your account. Cash advance fee finance charges for Cash Equivalent Transactions will be added to your Cash Advances Balance Category. FOREIGN TRANSACTION FEE FINANCE CHARGE: A foreign transaction fee Finance Charge may be assessed on all transactions made (i) in currencies other than United States Dollars; (ii) with a foreign merchant (whether in foreign currency or in United States Dollars); or (iii) outside the United States. The foreign transaction fee Finance Charge will be equal to a certain percentage of the amount of each foreign transaction (after conversion to United States Dollars) as shown on the Schedule. These fees will be added to the Balance Category that we select (for example, the Balance Category in which the foreign transaction is posted). TRANSACTIONS MADE IN FOREIGN CURRENCIES. Transactions made in currencies other than United States Dollars will be converted to United States Dollars under the then current regulations of VISA', MasterCard® or the VISA'/PLUS' ATM Network. Those regulations currently provide that the conversion rate may be either (1) a wholesale market rate or (2) a government-mandated rate. VISA® and MasterCard' currently use the rate in effect on the date they process your transaction. The currency conversion rate in effect on the date your transaction is processed may differ from the rate in effect on the transaction date or the posting date. The VISA'/PLUS' ATM Network currently uses the rate in effect on the transaction date. 7. When we may close or require immediate payment of your account This section describes what events can cause us to require immediate payment of your entire account balance and when we can terminate or suspend your ability to use the account. REASONS FOR REQUIRING IMMEDL4TE PAYMENT..- Subject to applicable law and any right to cure that you may have under that law, we may require immediate payment of your entire account balance i£ (1) you do not make any minimum payment to us when due; (2) you make a payment to us that is dishonored for any reason; (3) you die or become insolvent; (4) you give us false or misleading information; W LD310 (5) a petition is filed by or against you in any bankruptcy, reorganization, arrangement, insolvency, readjustment of debt, dissolution or liquidation proceeding; (6) a receiver, liquidator or trustee is appointed for you or any of your property, or you make an assignment for the benefit of creditors; (7) you are generally not paying or have announced that you will not pay your debts as they come due; (8) a breach occurs under any note, loan agreement, or other obligation for borrowed money to which you are a party; (9) a material adverse change occurs in your financial or other condition; (10) you violate this Agreement or any other agreement you make with us; OR (11) if we have reason to doubt your ability to repay us. Our acceptance of a payment after one or more of the preceding events does not waive our right to require immediate payment of your entire account balance. TERMINATION OR SUSPENSION OF CREDIT PRIVILEGES. We may at any time, with or without cause and without advance notice, terminate this Agreement and/or temporarily or permanently suspend your credit privileges. This includes, but is not limited to, situations where you have violated this Agreement or where we have reason to doubt your creditworthiness (for example, if you pay us with insufficient funds checks on more than an occasional basis). Your obligations under this Agreement continue after your rights to obtain credit have been terminated or suspended. 8. How account terms may change and certain rights This section explains how we may change the rates, fees and other terms of your account and this agreement at any time, after we give you any notice required by law. This section also identifies certain rights. IMPORTANT NOTICE REGARDING CHANGES IN TERMS. Sub'ect to a Iicable law, we may unilateral) chance the Annual Percentage Rates fees and other terms of this Agreement at any time including after your account is closed (and regardless of the reason you or we closed the account . This includes modifications, deletions and the addition of new provisions, including non-financial provisions (for example, we may add provisions relating to our enforcement rights or the resolution of claims and disputes). If we make changes, we will send you all notices required by law. Unless we explain otherwise in a change in terms notice you receive, the following rules will apply: (1) changes will be automatically effective on the date we specify and without the necessity of any further assent on your part; and (2) use of your account is not necessary for a change in terms to be effective. OUR RIGHTS. Our failure to exercise, or our delay in exercising, any of our rights under the Agreement for any reason will not mean we are unable to exercise those rights later. We may, from time to time on a consistent or inconsistent basis, take (or refrain from taking) certain actions that benefit you but that are not required by this Agreement or applicable law. Any such course of dealing or course of performance shall not be considered to add to our legal obligations to you under this Agreement. We may discontinue any such course of dealing or course of performance at any time without prior written notice. 9. How to use your account without using your credit card Your account is more than the plastic card itself. There are other ways to access your credit line including by check or other credit access device. This section identifies how such checks and devices will be treated and different APRs that may apply other than your normal purchase rate. W LD310 CHECKS THATACCESS YOUR ACCOUNT: Any checks or similar instruments (including electronic form or otherwise) that we provide to you or issue on your behalf will be treated as cash advance transactions, unless we indicate otherwise (for example, we may indicate that certain Special Offer checks used to make balance transfers will be treated as Purchases). To stop payment on a check or similar instrument (including electronic form or otherwise), you must notify us of the number and amount of the check or similar instrument before we receive it (we need not stop payment on checks or similar instruments that we issue on your behalf). We may pay post-dated checks or similar instruments (including electronic form or otherwise) unless you follow the procedure for stop payments. Checks or similar instruments (including electronic form or otherwise) that we provide to you may not be used to make payments on any account you have with us. 10. How cardmember benefits and reward nroerams work Our popular cardmember rewards programs may be managed by a third-party company and their details are covered under a separate agreement. CARDMEMBER BENEFITS AND REWARDS: Cardmember benefits and rewards are subject to change or termination without notice. Cardmember benefits and rewards may be provided by third parties; we are not liable for such benefits or rewards or for the actions or omissions of those third parties. If there is any rewards membership fee on your account, it will be outlined in your rewards terms and conditions document and will be charged to your account as a purchase. 11. How we communicate with you and share information with credit bureaus This section explains how we may retain your phone numbers or addresses and use them to contact you later if we need to reach you. It also explains how we report information about your account to credit reporting agencies and reminds you to notes us of a change of address 10 days before you move. COMMUNICATIONS WITH YOUAND OTHERS: We may call or e-mail you (using live operators, automatic dialing devices, or recorded messages) at home or work and those calls or a-mails will not be considered unsolicited. If you provide a cell phone number to us, either on the application or to a representative, or if you place a cell phone call to us, you agree that we may contact you (including for collection purposes) at that cell phone number. We may monitor or record any calls we make or receive. If you provide us with an e-mail address, either on the application or to a representative or if you send us an e-mail, you agree that we may contact you (including for collection purposes) at that e-mail address. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We may make inquiries of third parties in connection with maintaining and collecting your account, and you authorize such third parties to release information about you to us. You agree to notify us of any change in your mailing address at least ten (10) days before such change. If mailed, notices to you shall be considered given when we include the notice on or with your billing statement or when we deposit the notice in the U.S. mail addressed to the most recent address we have for you. 12. Transferrine your account and laws that govern vour account with us This section explains how we may transfer your account and our rights to other parties. It also explains that you may not transfer your rights or duties under the agreement to another person. It also identifies the laws that govern your account and this agreement. TRANSFERS: We may transfer all or part of your account balance, along with our rights under this Agreement, to another person or entity. That person or entity will then be entitled to enforce our rights under this Agreement. You may not transfer your rights or obligations under this Agreement. GOVERNING LAW: The interpretation and enforcement of this Agreement (including the exportation of interest rates) shall be governed by FEDERAL law and to the extent state law applies, NEBRASKA law, regardless of conflict of law principles. If there is any conflict between any of the terms and conditions of this Agreement and applicable law, this Agreement will be considered changed to the extent necessary to comply with applicable law. Where this Agreement provides that we may exercise discretion in taking certain actions, those provisions are not intended to WLD310 9 authorize us to take actions that are contrary to applicable law. We have additional obligations under applicable law. We are not excused from complying with those obligations simply because they are not detailed in this Agreement. You agree that all terms of this Agreement are material to the determination of interest. 13. Scope of our agreement with you This section helps explain the scope of our agreement with you and how it will be applied and interpreted. ENTIRE A GREEMENTAND SEVERABILITY.• This Agreement, as modified by any change in terms we may provide, supersedes any prior communications between you and us. Any invalid or unenforceable provision of this Agreement will not affect whether any other provision is valid or enforceable. SECTION HEADINGS AND SUMMARIES. The section headings and summaries provided in this Agreement are provided only for your and our convenience. The section headings and summaries do not define or describe the entire scope or intent of any portion of this Agreement. 14. Claims and Arbitration of disputes Arbitration is a process by which an impartial arbitrator resolves a dispute, instead of a court. This section explains which claims and disputes may be resolved by arbitration and the rules and limitations that apply in arbitration. This section also explains the treatment and limitation of claims. "CLAIMS"AND RELATED DEFINED TERMS. When this Agreement refers to a "Claim" it means any pre- existing, present or future claim, dispute or controversy that arises from or in any way relates to: (a) this Agreement, any prior Cardmember Agreement, your credit card account, the credit we offer or deny to you in connection with your credit card account, any advertising or application for your credit card account, or the benefits, rewards or other products or services that are offered in connection with your credit card account; or (b) the acts or omissions of you, of us, or of Related Parties if those acts or omissions affect or relate to your credit card account or any benefits, rewards or other products or services related to your credit card account. Claims include, but are not limited to, claims based on contract and tort (including intentional torts), claims made in law or in equity, claims based on constitutional, statutory, regulatory and common law rights, and claims for damages, penalties and injunctive, declaratory or equitable relief. When the term "you" is used in this provision on "Claims" or in the provisions on "Limitations on Claims" or "Arbitration", that term means you and any of the following people who will be considered "Your Related Parties": any co-applicant, joint cardmember, authorized user or guarantor on your credit card account, your heirs and your trustee in bankruptcy. References to "Our Related Parties" in this Agreement includes affiliated third parties such as our parent, subsidiaries, and affiliates and our and their officers, directors, agents, employees, representatives, successors and assigns. "Our Related Parties" also include unaffiliated third parties that provide products, services or benefits (to you or to us) in connection with your credit card account or that have otherwise participated in the marketing or servicing of your credit card account. Any Claim or Claims brought by or on behalf of a class, brought in a representative capacity or otherwise on a class basis, or brought in the form of a private attorney general action are referred to as "Class Proceedings" regardless of whether they are commenced in court or in arbitration. LIMITATIONS ON CLAIMS. Before we bring a Claim against you, we must notify you in writing of our Claim, including the amount of the Claim. Before you bring a Claim against us, you must notify us in writing of your Claim, including the amount of the Claim. If we have a Claim based on a payment obligation that you may have to us: (1) our notification requirement will be considered satisfied by sending you a billing statement within the time required by applicable law and regulation; and (2) you will be afforded the period of time allowed by this Agreement and applicable law to make the payment before we commence court proceedings or arbitration. If you have a Claim based on something we or Our Related Parties may have done or failed to do: (1) you agree to provide your notification to us within 90 days after the time you could have first learned what we or Our Related Parties did or failed to do; and (2) we will be afforded a reasonable period of time to take corrective action before you commence court proceedings or arbitration. You and we both agree, to the fullest extent allowed by law, that: (i) Claims will not under any circumstances be pursued in Class Proceedings; (ii) we waive the right to bring or to participate in Class Proceedings against you; and WLD310 10 (iii) you waive the right to bring or to participate in Class Proceedings against us. If some other person initiates a Class Proceeding against you, we may not join that proceeding or participate as a member of that class. If some other person initiates a Class Proceeding against us, you may not join that proceeding or participate as a member of that class. This paragraph is referred to below as the "Class Action Waiver". ARBITRATION- THIS-CONTRACT CONTAINS AN ARBITRATION PROVISION WHICH MAY BE ENFORCED BY THE PARTIES. PLEASE READ THE FOLLOWING PARAGRAPHS CAREFULLY: WITH LIMITED EXCEPTIONS, THIS ARBITRATION PROVISION ALLOWS EITHER PARTY TO REQUIRE THAT ANY "CLAIM" (AS DEFINED ABOVE) BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT AND TO HAVE A CLAIM DETERMINED BY A JURY. OTHER RIGHTS YOU MAY HAVE IN COURT, SUCH AS DISCOVERY OR APPEAL RIGHTS, MAY NOT BE AVAILABLE OR MAY BE MORE LIMITED IN ARBITRATION. EXCEPT AS PROVIDED BELOW, THOSE OTHER RIGHTS ARE WAIVED. YOU WILL NOT BE ABLE TO DO THESE TWO THINGS (IN COURT OR IN ARBITRATION): (1) BRING A CLAIM AS A CLASS ACTION OR IN A REPRESENTATIVE CAPACITY; OR (2) PARTICIPATE IN A CLAIM AS A CLASS MEMBER. Except as provided below: (1) you may unilaterally choose to have any Claim that we bring against you resolved through binding arbitration; and (2) we may unilaterally choose to have any Claim that you bring against us (or us and any of Our Related Parties) resolved through binding arbitration. If you assert a Claim against any of Our Related Parties, but you do not also assert that Claim against us, the Related Party (or whoever will be defending the Related Party) may unilaterally choose to have that Claim resolved through binding arbitration. If a court proceeding is commenced, the party that commenced that court proceeding may unilaterally choose to have any counterclaim, cross- claim, or third party claim brought in that proceeding resolved through binding arbitration. If a party chooses to have a Claim resolved by arbitration pursuant to this arbitration provision, neither you nor we will have the right to litigate that Claim in court, have a jury trial on that Claim, or engage in pre-arbitration discovery, except as provided for in the applicable Arbitration Rules of the selected Arbitrator(s) and as otherwise set forth in this arbitration provision. "Ordinary Claims" are not subject to this arbitration provision and may be resolved through litigation. A Claim will be considered an "Ordinary Claim" if all three of the following are true: (1) the only remedy being sought for the Claim is monetary damages; (2) the recovery being sought for the Claim is less than $25,000, excluding interest and costs; and (3) the only parties to litigation to resolve the Claim will be you, us and/or Related Parties. Arbitrations shall be conducted by one or more impartial arbitrators (the "Arbitrator(s)"). An Arbitrator must be a lawyer with at least ten years of experience or a retired judge. Arbitrations shall be conducted through a national arbitration organization with significant experience in financial and consumer disputes (referred to as an "Administrator"). If more than one such Administrator is available to conduct a consumer credit card-related arbitration, the Administrator shall be the one mutually agreed upon by you and us. Arbitration through an Administrator shall be conducted in accordance with the arbitration rules and procedures of the Administrator which are applicable and in effect when the Claim is initiated (the "Arbitration Rules"). For Arbitrations with an Administrator, the Administrator shall provide and designate a listing of potential Arbitrators to conduct the arbitration. The Arbitrator shall be selected from the Administrator's listing and will be the Arbitrator(s) mutually agreed upon by you and us. If no qualified Administrator is available to conduct a consumer credit card-related arbitration, the arbitration shall proceed by an Arbitrator without an Administrator. Arbitration without an Administrator shall be conducted in WLD310 accordance with the rules and procedures of the American Arbitration Association ("AAA") in effect when the Claim is initiated, with the Arbitrator taking the place of the AAA therein (also, the "Arbitration Rules"). For arbitrations without an Administrator, the Arbitrator(s) shall be mutually agreed upon by you and us. If the Arbitration Rules are inconsistent with this arbitration provision, this provision will prevail. Arbitrations may be initiated pursuant to the Arbitration Rules. You or we may choose to have an arbitration hearing. You and we may be represented by counsel throughout any arbitration. Arbitration hearings will take place in the federal judicial district where you reside at the time the Claim is initiated or some other place to which you and we agree in writing. The decision of the Arbitrator(s) will be final and binding. Any final decision of the Arbitrator(s) is subject to judicial review only as set forth in the Federal Arbitration Act. Judgment upon an award rendered by the Arbitrator(s) may be entered in any court of competent jurisdiction. If there is a dispute as to whether any claim, dispute or controversy is a "Claim" subject to this provision, that dispute shall be resolved solely by the Arbitrator(s) (except as noted below with reference to Class Proceedings and except that a court may decide whether a Claim is an Ordinary Claim). An arbitration pursuant to this provision may decide only your Claims, our Claims or Claims of Related Parties. The Arbitrator(s) shall have no authority to entertain or determine Class Proceedings. If the Arbitrator(s) decide they have authority to entertain or determine any Claim brought in a Class Proceeding, that decision may be appealed to a court of competent jurisdiction. If, despite this Agreement, Class Proceedings are allowed, those proceedings shall be conducted only in a court of competent jurisdiction. The claims of other persons who may (or may not) have similar claims may not be consolidated with any Claim. No arbitration will be consolidated with any other arbitration proceeding without the consent of all parties. The only Claims that maybe joined under this arbitration provision are (1) those brought by us and Our Related Parties against you and Your Related Parties; or (2) those brought by you and Your Related Parties against us and Our Related Parties. The Arbitrator(s) shall have no authority to award punitive damages If any portion of this arbitration provision shall be found to be unenforceable, that portion will be severed, and the rest of this arbitration provision will remain in effect. However, if the Class Action Waiver is held to be invalid with respect to any Class Proceeding, the entire arbitration provision shall be null and void. We will reimburse you for the initial arbitration filing fee up to $350 upon receipt of proof of payment, provided that you have initiated an individualized proceeding in good faith and in accordance with this Agreement and provided that you have not initiated your proceeding in concert with any other cardmember(s). All other fees will be allocated in keeping with the applicable Arbitration Rules and applicable law. We will also advance or reimburse other fees if the Administrator or Arbitrator(s) determine there is good reason for requiring us to do so or if you ask us and we determine there is good cause for doing so. Each party will bear the expense of the fees and costs of that party's own attorneys, experts, witnesses, documents and other expenses, regardless of which party prevails. This arbitration provision shall survive repayment of your extension of credit, changes to your credit card account and this Agreement (although this provision itself may be changed in accordance with the Important Notice Regarding Changes in Terms provision), our assignment of your credit card account, the issuance of a new credit card, the transfer of the balance in one credit account to another, your or our termination of the credit card account and the bankruptcy (or similar proceeding) of any party. This arbitration provision is made in connection with a transaction involving interstate commerce, and shall be governed by and enforceable under the Federal Arbitration Act, 9 U.S.C. §§ 1 through 16, as amended. The Arbitrator(s) shall apply applicable substantive law consistent with the Federal Arbitration Act, the National Bank Act and OCC regulations and applicable statutes of limitations, and shall honor claims of privilege recognized at law. 15. Your billing rights as a cardmember WLD310 12 This section describes specific legal rights you have as a cardmember. It explains how you may dispute an item on your statement, what you may do if you are dissatisfied with a purchase from a merchant and the limits on your liabilityfor unauthorized transactions. YOUR BILLING RIGHTS KEEP THIS NOTICE FOR FUTURE USE This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find a Mistake on Your Statement If you think there is an error on your statement, write to us at: First National Bank of Omaha P.O. Box 3696 Omaha, NE 68103-3696 In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after we send you the first statement on which the error or problem appeared. • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. WLD310 13 After we finish our investigation, one of two things will happen: If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement' we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: First National Bank of Omaha P.O. Box 3696 Omaha, NE 68103-3696 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. LIABILITY FOR UNAUTHORIZED USE If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 68103-3696 or call us at 1-800-688-7070. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50.00. WLD310 14 c a m 0 to tCyy Ci a) ? V p a) a A 1 m ... of $ ? Z 0 4 m +' o CC >1 Q) ,> O b V ti > ., . c . o b o w m a r a O q ti V b O N a O is ca y U U a) 'C CL) '? Fr co r y m U a co ? co Q) 00 V C? ? 1 - bA 0 $.4 4j Co 41 r 0) U 3 0 4? a ca >1 co (? d a 4? r- 0 O 69 &4 o 0 t- q co co C-) M d? 43 ? w > o ? 4 o 0 4 Co 0 m a? C) s. w , ?+1 o o o? 0 a? c?a V °? cya o .o q a) q C9 w o a) a' CO V d CA m r. m - > CV a) ? CIS a a) a) .?." v m ..w a o o W 0 .U O. 'Q ? ? 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O F4 S4 co z U O W 7y a) 0 cu 0 4.a U p d a) m b c? a o Q, `o" NO --+ • m 'd cC q c? a' U) O 0 U r cz m m ro a x w 0 a) ., co 'ZI >1 4J 0 CZ CZ bmD CO o > „ CZ 4? y a? b cts n co M Cl) ° C cC U ama -d c m p >, ctS cC v a? o o Ci) a) a 9y y G U +?'' ' A $ co s 4? a a cd? a H (3) o o U V O "C° bjO ai 3 p 5 x ho 3 bp 0 ° " o .?a0 R O ?„ b ? w w O R ,.. W w m' C1? fD p; ty S o M C S R 0" O A v w Co m C OR ^ R , 5' ID It G 0 G ?C m A CD w A A a m m I-3 y w C SD 0 a (RD m. `(D m ° A - r- w w o K ?: 5 w CD w m °? t-4 rm aCD z A m (D r- -eq R eq CD ?o R r? ^ (D m i m 1-3 M ?. En O CD y CD .M\ O ^ G w v of a) 0 y m' 0 ?, fD .. ^ C c^r w v ° o co o A CL cr m - CD m m 0 (r w r P? o (D o CD CD CD ?• CD n M d ? A'+ Q1 0 o 44 co A -609 cn n .66 co C CD 0 d V+ C+ . m ?. CD a y CD (D o aka m a d A r°. R co n fD o d w a R a w w ro' o d m "! R Hr m to to D c? (D Cy ¢. `* y tp O CD z O 4 O. CD (DD (D CD m K a a R c o ? CD + C m CD o CD w o ? ? m K a a go O m K ?. A) o CD ID C (D W D a R CD CD CO b 0. (lq SD ^ R N CD 23 A v R CD (D fA y `D o E CD k R E CD (CD (tY O A CD m (AO R M CD ?t Cp H R CD Q+ CD R' (D O k '.3 O M ?? ?q YT L? First National Bank Omoho e 000107 JAMES M LINDSEY 14 NOBLE DR SHIPPENSBURG PA 17257-8882 VISA First National Bonk Omaha P.O. Box 2557 Omaha, NE 68103-2557 Account Number: 4412 9701 0867 5438 Page 001 of 001 Payment Due Date: April 6, 2009 NewBalence: $12807.72 Minimum Payment Due: $256.00 Make ohecks payable to FFi National Bank (Th Amount F?clwoe Change of Address? Please ? check box -and complete reverse side. 4412170108675438 0000000025600 0000001280772 PLEASE DETACH HERE AND RETURN TOP PORTION Wlt 9t)UR PAYMENT Purity sa Platinum Edition ® Visn AFgount Number: 4412 9701 0867 5438 Payment Due Account Summary Credit Line Statement Closing Date 03-17-09 Previous Balance $ 12,9i13.88 Total Credit Limit $ 13,700.00 Days In Billing Cycle 32 Payments and Credits -$ 250.00 Cash Limit t $ 6,850.00 Payment Due Date 04-0S-09" New Transactions +$ 0.00 Available Credit $ 0.00 Amount Pest Due $ 0.00 Tam BMW Available Cash $ 0.00 Minimum Payment Due $ 268.00 FINANCE CHARGES +$ 112.84 New Balance $ 12,807.72 Need Help? Online Access www.9rstnallonaLcom Customs ?Ssrvko _ Balance Transfer HotlNe• Too T.pcamxgWl Doyle. for lh. D..1 Merchant Name/ Transaction ONLINE A EN HA Y Charge Summary Average Dally Balance Deny periodic Rate CwZp n Ing Pereenla a Rale PER L Purchases 112,720.17 0.0274% 9.990% 10.00% Cash Advance $ 0.00 0.0605% 22.080% 0.00% Balance Transfer $ 150.98 0,0274% 9.990% 9.99% Billed Periodic Rate FINANCE CHARGES $112.84 Additional Information Regarding Your Account Go Paperless for Safer Banking Statements sitting In your mailbox can Increase your risk of getting your financial Information stolen. You can Limit your risk by. going paperless with eStatements. It provides secure access to up to 7 years of pest statements and It's completely FREE. When you sign up for a5tatements, we will send you an email every month letting you know your statement la ready, Log in to 8rstnational.cwm end go to Account Services tab for more Information on how to enroll todayl You can pay your credit card bill online anytime day or night at www.8rstnational.com. It's fast, safe and completely secure. Issued. by First National Bank of Omaha Sea reverse for additional Information. Y1 tGt Evan small changes can matte a big impact. ?1 r7 eStatementa from First Nationale Banlc r ¢ H le free. mean loss papbr lase laesle. Receive Vdi to ent e, Anywhere, an Get sta S Bps: 1. LogUolla r n 'o com 2. Go t3. Se lect Sign Up for eStatements, 4. Choose the accounts you want to A%ngp;?e,. TT T` , d I , e CHANGE OF ADDRESS FORM To ensure accuracy, please ptlttt cIearlytusing upper-case letters and numbers onlyl Please do not use Red Ink, Gel pens or Pencil. Street Address City k I( f?I I II ICI I 4..' Home Telephone With Area Code ?- smb lip = _ FM_ = Business Telephone With Area Code If you have a Credit Card for business purposes, and are requesting an address change, we may request addltlonal Information. Accoad Aran: p) III pun 't• a a mine. appears on the "fat any transaction lypa in the 'Chaps Blwemay' cabtrm ar Na Roby ambmonl the Maw Po aaNepa find Lr tlYa hamac11atlyp k fl%E0. 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Yyou are auawnndUaacad your mahky aoA ILnA yes rA M wqukw b ley, u Caw dyarMNnam neriWy pYmuml the amps ay wfdon yole New Dow 000 Yaw m4ft elap amt Wo onowrapo Yes 10.111wNo Us 11111 elm of bNlcarkg uwanl Rd*, such ad, high transaction amwnb. Man vebdty, or rt111ye k Pmpaphic Pamwa. Fa all Proxmire it the bight, •Msahad any mbtara to gadaUnp moves NY** eadll Ikw. INFORMATION PROVIDED 10 CREhR L •US: IdamXon abet yad aeasmt h PMOSOM PwMW to am a man sex bump s. X You gds any kbhwfen regedng yet or Waste Is Wasrob, write to as an a s•pacb shoat so P.O. Roc 3412 Oms*Caw 61(071412. .p ?? 1 David cD. Buell` Prothonotary Office of the prothonotary Cum6erfancf County, annsy[vania 1/ -SS3S ORDER OF TERMINATION OF COURT CASES Sohonage, ESQ Solicitor CIVIL TERM AND NOW THIS 28TH DAY OF OCTOBER, 2014, AFTER MAILING NOTICE OF INTENTION TO PROCEED AND RECEIVING NO RESPONSE — THE ABOVE CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH PA R.C.P.230.2. BY THE COURT, DAVID D. BUELL PROTHONOTARY One Courthouse Square 0 Suite100 ® Cariis[e, TA e (Phone 717 240-6195 0 Ta -K717 240-6573