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Home My WebLink About11-7838Burton Neil & Associates, P.C. By: Neil Sarker, Esquire ID. NO. 203465 1060 Andrew Drive, Suite 170 West Chester, PA 19380 (610) 696-2120 Attorney for Plaintiff CITIBANK, N.A. 701 East 60th Street N Sioux Falls, SD 57117 Plaintiff V. C__ -^ ,..0 -.eR T .,q y IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA ERIC T MORGAN : NO. - 7 8 38 alv it Term 305 Widders Drive Mechanicsburg PA 17055-9745 Defendant CIVIL ACTION -LAW Complaint - Notice You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claim set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERENCE AND INFORMATION SERVICE Cumberland County Bar Assoc. 32 South Bedford Street Carlisle, PA 17013 O Telephone No. 717-249-3166 or 800-990-9108 C-52715 4Qa.00 PA A7W e 1083!1 & a(4o3y BURTON NEIL & ASSOCIATES, P.C. By: Neil Sarker, Esquire, Id. No. 203465 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attornev for Plaintiff CITIBANK, N.A. IN THE COURT OF COMMON PLEAS 701 East 60th Street N Sioux Falls, SD 57117 Plaintiff V. CUMBERLAND COUNTY, PENNSYLVANIA : NO. ERIC T MORGAN 305 Widders Drive Mechanicsburg PA 17055-9745 Defendant CIVIL ACTION -LAW Complain 1. Plaintiff is CITIBANK, N.A. with place of business located at 701 East 60th Street North, Sioux Falls, South Dakota. 2. Defendant is Eric T Morgan who resides at 305 Widders Drive, Mechanicsburg, Cumberland County, Pennsylvania. 3. Plaintiff is a national banking association, engaged in various types of banking business including consumer lending through the issuance of credit cards. 4. Defendant obtained extensions of credit from Citibank, N.A., successor in interest to Citibank (South Dakota), N.A., by means of a CITI AT&T UNIVERSAL MASTERCARD credit card account (hereafter the Account) with account number ending in 0431. 5. Citibank (South Dakota), N.A. merged into Citibank, N.A., effective July 1, 2011, as approved by the Office of the Comptroller of the Currency. 6. Accurate records of all debits and credits to the Account were maintained by plaintiff. 7. Defendant was provided with monthly statements for the Account including the billing statement attached hereto as Exhibit A (redacted to remove confidential information). The monthly statements accurately stated the previous balance and the debits and credits to the Account for the prior billing period. 8. Defendant had for many months after receipt of a billing statement made payment on the Account or retained the statement without payment. 9. Defendant retained the Exhibit A statement without making payment by the stated due date. 10. Defendant's assent to the Account balance set forth in the Exhibit A statement is manifested through the prior conduct of defendant either making payment on the Account or retaining the statement without payment, after receipt of the monthly billing statements. 11. As a result of said assent, an account stated for the sum of $25,600.83 exists which sum reflects the Exhibit A statement balance less credits, if any, which were applied subsequent to the date of Exhibit A. Wherefore, plaintiff demands judgment against defendant for the sum of $25,600.83, and the costs of this action. Burton Neil & Assoc' C. By: Neil Sarke , Esquire Attorney for Plaintiff In making this communication, we advise Burton Neil & Associates, P.C. is a debt collector. W (Am n N N O =?n10 a m o gr co ' nAA ci ; > p? 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W x 3 D 1 1 C 7 N N 01 n d CL 0 Q F Y Account Activity Feb 19-Mar 18,2011 A,,--rn+ Number 0431 Minimum Payment Due: New Balance: Summary of Account Activity $4,775.32 $25,600.83 Previous Balance $24,984.58 Payment Due Date: Payments $600 PM y" 04/16/2011 p a h agm nt at ;;? w t e ?al t e , ddue d e. eep Purchases O +O.o6' Late Payment Warning: If we do not receive your Cash Advances +$0.00 minimum payment by the date listed above, you may Fees Charged +$35.00 have to pay a late fee of Lip to $35 and your APRs may be increased up to the variable Penalty APR of 30.02%. .?- . - -- - - Interest Charged +$58j_25 New Balance 25,600.83 Minimum Payment warning: if you make only the minimum payment each period, you will pay more in Past Due Amount $2,572.24 interest and it will take you longer to pay off your Amt. Over Credit Limit $1,330.83 balance. For example: It you make no You will pay off And you will end Credit Limit $24,270 additional charges the balance shown up paying an --- - -- Available Credit - - - - $0 using this card and on this statement estimated total each month you pay... in about._ of... Cash Advance Limit $12,500 Only the minimum 34year(s) $77,650 Available Cash Limit 11 $0 payment Statement Closina Date 03/18/2011 $977 3 years? $37.762 Days in, B.illing Cycle 28 lsamngs-s39.88a) For information about credit coonseling services, call 1-877-337-8188. 1of2 How To Reach us www.universaicard.com 1-800-423-4343 Account Member ERIC T MORGAN Customer Service SUZANNEL MORGAN PO BOX 6500 SIOUX FALLS, SD Member Since 1991 57117-6500 Total ThankYou Member Available Point Balance As Of 03/01/11: 0 Log on to www.thankyou.com today to check your latest point balance, redeem for great rewards, and earn more points. Sale Post Description Amount 03/18 LATE FEE - FEB PAYMENT PAST DUE 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged Post Description Amount 03/18 INTEREST CHARGED TO STANDARD PURCH 58.18 03/18 INTEREST CHARGLU TO PUR PR-06/10/10. 523.07 TOTAL INTEREST FOR THIS PERIOD 581.25 2011 Totals Year-to-Date Total fees charged In 2011 $95.00 Total Interest charged M 2011 $1,781.42 Categorized Purchase Activity Air Travel Auto Rental Entertainment Health Caro Lodging Merchandise 0.00 0.00 0.00 0.00 0.00 0.00 Miscellaneous Organizations Other Travel Restaurants Services Vehicle Services 0.00 0.00 0.00 0.00 0.00 0.00 X02011 AT&T and the AT&T logo are trademarks of AT&T Intellectual Property, licensed to ClOgroup Inc. Account Number «.k« :.++> «++.. 0431 Your Annual Percentage Rata (APR)is the annual interest rate on your account. Annual Percentage Balance Su act to Type of Balance Rate (APR) Interest )fate Interest Charge PURCHASES Standard Purch 30.020% (V) $2.526.31(D) $58.18 Purch Prior 06/10/10 29.990% $22,737.40 (D) $523.07 Standard Adv 22.020% (V) $0.00 (D) $0.00 ThankYou Points Summary Member ID: 8910232030803234 ThankYou Points Earned This Period Category Merchant Card Member Payment Base Bonus Bonus Bonus Rewards Bonus Adjusted 0 0 0 0 0 0 Total ThankYou Points Earned This Period: 0 ThankYou Points Earned Year to Date Total Total Total Total Base Bonus Adjusted Earned 0 0 0 0 Go to www.thankyou.com to review your ThankYou Point balance and redeem! Bonus Points may take one to two billing cycles to appear on your statement. Please refer to the specific terms and conditions pertaining to the promotion for further details. Please be sure to pay on time. If you submit your payment by mail, we suggest you mail it no later than 04/09/2011 to allow for enough time for regular mail to reach us. 2of2 How to Reach Us 1-800-423-4343 Customer Service PO BOX 6500 SIOUX FALLS, SD 57117-6500 Access your account online: www.universaicard.com Due to your late payment status you did not earn any points this month. To view your scheduled payments and payment history, sign on to Account Online using the URL on the back of your card. To view available ThankYou Points, visit www.ThankYou.com Your account is seriously past due and your credit privileges have been suspended. Please call the toll-free number shown above to learn about our special payment options. Verification I, SheNi M. StarAchouse am employed by Citicorp Credit Services, Inc. (USA) (hereafter CCSI), a subsidiary of Citibank, N.A. (hereafter Citibank), which is successor in interest to Citibank (South Dakota), N.A. CCSI is a service provider for Citibank in that it services credit card accounts owned by Citibank This includes accounts previously owned by Citibank (South Dakota), N.A. which merged into Citibank in or about July 2011. I am authorized to make this verification on behalf of Citibank. The statements of facts set forth in the complaint are true and correct upon my information and belief and are made subject to the penalties of 18 Pa. C.S. Section 4904, relating to unworn falsification to authorities. Signature SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff ???vt? 4l 1?itAl?lrT???1 v 4'+: : O€Fl;c 1F Th- :RIFF Jody S Smith Chief Deputy Richard W Stewart Solicitor -?II,?r 2 P ef E1:i .a, Citibank, NA vs. Case Number Eric T. Morgan 2011-7838 SHERIFF'S RETURN OF SERVICE 10/21/2011 04:55 PM - Timothy Black, Deputy Sheriff, who being duly sworn according to law, states that on October 21, 2011 at 1655 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Eric t. Morgan, by making known unto himself personally, at 305 Widders Drive, Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time handing to him personally the said true and correct copy of the same. TIM BLACK, DEPUTY SHERIFF COST: $38.00 October 24, 2011 SO ANSWERS, RON ~ R ANDERSON, SHERIFF !c; CahntySute Sheriff TeleUs:?ft. Inc. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CITIBANK, N.A. Plaintiff CIVIL ACTION - LAW v. NO. 11-7838 Civil Ten c7 c -am C= ..._ n •--i r*et z =-r; ?-- r?i ERIC T. MORGAN < z © o ° Defendant . ri ° Petition to Enter Appearance . ., ? Please enter my appearance as the attorney representing the Defendant , Eric T. Morgan, in the above captioned case. ?es ectfully submitted, arold Shepley & Assoc., LLC 209 West Patriot St. Somerset, PA 15501 (814) 444-0500 Attorney for Defendant I '' I J s Vincent at e, Esquire #208790 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CITIBANK, N.A. Plaintiff V. ERIC T. MORGAN Defendant CIVIL ACTION - LAW NO. 11-7838 Civil Ten DEFENDANT'S PRELIMINARY OBJECTIONS PURSUANT TO PA.R.C.P.1028 ? .tea c? a a ; r , v rri AND NOW COMES the Defendant, Eric T. Morgan, by and through his attorney, James Vincent Natale, Esquire, and makes this Defendant's Preliminary Objections pursuant to Pa.R.C.P. 1028 as follows: COUNTI 1. Plaintiff alleges that Defendant's failure to file an objection to the alleged billing statement attached to Plaintiff's complaint constitutes an account stated in the present case. 2. Defendant did not mutually assent to the amount alleged in the billing statement, because Defendant could not reasonably calculate the amount of the alleged debt with the information available to the Defendant. 3. Without a showing a mutual assent, Plaintiff cannot proceed on an account stated cause of action. 4. Plaintiff has failed to state a cause of action under which relief may be granted, Pa.R.C.P. 1028(a)(4). WHEREFORE, Defendant demands that the Court order Plaintiff to file an Amended Complaint or dismiss this action with prejudice. COUNT II 1. The date that Defendant allegedly contracted for or opened the alleged account. 2. The date that Defendant allegedly made the last payment on the alleged account. 3. Plaintiff claims that Defendant used the alleged credit card. 4. Plaintiff failed to specifically state the dates of the alleged purchases 5. Plaintiff failed to specifically state the place where the alleged purchases were made. 6. Plaintiff failed to specifically state what items were allegedly purchased. 7. Plaintiff failed to specifically state the amount purchased for each item. 8. Plaintiff failed to specifically state the dates of any alleged cash advances. 9. Plaintiff failed to specifically state the amounts of each alleged cash advance. 10. Plaintiff failed to specifically state the dates that Plaintiff alleges that Defendant made payment on the alleged account. 11. Plaintiff failed to specifically state the amounts of the payments that Plaintiff alleges were made by Defendant. 12. Plaintiff has failed to provide sufficient documentation and allegations to permit the Defendant to calculate the total amount of damages that are allegedly due, and there for Plaintiff's complaint fails to conform with the requirements of Pa.R.C.P. 1019(a) and Pa.R.C.P. 1019 (f). 13. Plaintiff complaint contains insufficient specificity of its pleadings, PA.R.C.P. 1028(a)(3). WHEREFORE, Defendant demands that the Court order Plaintiff to file an Amended Complaint or dismiss this action with prejudice. COUNT III L Plaintiff basis its claim on an alleged agreement. 2. Plaintiff failed to specify whether the agreement is oral or written as required by Pa.R.C.P. 1019(h). 3. Plaintiff complaint contains insufficient specificity of its pleadings, PA.R.C.P. 1028(a)(3). WHEREFORE, Defendant demands that the Court order Plaintiff to file an Amended Complaint or dismiss this action with prejudice. COUNT IV 1. If the contents of the pleading is based upon a writing, then Plaintiff has failed to attach a copy of the original agreement and all amendments to said agreement, or provide a reason why the original agreement and all amendments to said agreement are not accessible and set forth the substance of the writings. 2. Plaintiff's complaint fails to conform with the requirements of Pa.R.C.P. 1019(i). 3. Plaintiff complaint contains insufficient specificity of its pleadings, PA.R.C.P. 1028(a)(3). WHEREFORE, Defendant demands that the Court order Plaintiff to file an Amended Complaint or dismiss this action with prejudice. COUNT V 1. The verification of Plaintiff's complaint was signed by Shelli M. Stackhouse. 2. Shelli M. Stackhouse is an employee of Citicorp Credit Services, Inc. (USA). 3. Citicorp Credit Services, Inc. (USA) is not a party to the above captioned complaint. 4. Pa.R.C.P. 1024 requires that all pleadings setting forth new allegations be verified by the pleading party. 5. The exception to Pa.R.C.P. 1024 does not apply to the Plaintiff, because although the Plaintiff is outside the jurisdiction, there was no time limit for the filing of the complaint. 6. Plaintiff's complaint fails to conform to law or rule of court, Pa.R.C.P. 1028(a)(2). WHEREFORE, Defendant demands that the Court order Plaintiff to file an Amended Complaint or dismiss this action with prejudice. y submitted, es Vincepf Natale, Esquire 11)#208790 Harold Shepley & Assoc., LLC 209 West Patriot St. Somerset, PA 15501 (814) 444-0500 Attorney for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CITIBANK, N.A. Plaintiff CIVIL ACTION - LAW V. NO. 11-7838 Civil Ten ERIC T. MORGAN Defendant CERTIFICATE OF SERVICE I served this Petition to Enter Appearance, Defendant's Preliminary Objections, and Brief by U.S. Mail, postage prepaid, at 1060 Andrew Drive, Suite 170, West Chester, PA 19380 on Neil Sarker, Esq., the attorney for the Plaintiff, Citibank, N.A., on November 9, 2011. I declare under penalty of perjury that this information is true. Date: Server's Signature Printed Name and Title- Harold Shepley & Assoc., LLC 209 West Patriot St. Somerset, PA 15501 Server's Address CITIBANK, N.A. V. V C?A P Praecipe for Listing Case for Argument (Must be typewritten and submitted in duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: ERIC T MORGAN Please list the within matter for the next Argument Court. Plaintiff Defendant NO. 11-7838 CIVIL TERM 'OTI?D'CTr,_: r ° l2 PE 16 PPi 1: 5 2 °'I .!BERLAND COUNTY PENNSYLVANIA 1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to complaint, etc.): Defendant's Preliminary Objections 2. Identify counsel who will argue case: (a) for plaintiff: Neil Sarker, Esquire c/o Burton Neil & Associates, P.C. address: 1060 Andrew Drive, Suite 170, West Chester, PA 19380 b) for defendant: James Vincent Natale, Esquire address: 209 West Patriot Street Somerset, PA 15501 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: June 1, 2012 1-1 Neil Sarker , E e Attorney for the Plaintiff The law firm of Burton Neil & Associates is a debt collector. a(M * II.-7sad at - r Burton Neil & Associates, P.C. By: Neil Sarker, Esquire ID. NO. 203465 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK, N.A. Plaintiff V. ERIC T MORGAN IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 11-7838 CIVIL TERM Defendant : CIVIL ACTION - LAW Certificate of Service I, Neil Sarker, Esquire do hereby certify that I served a true and correct copy of the within Praecipe to List Case for Argument on defendant's counsel, James Vincent Natale, Esquire at his address of record via first class mail, postage prepaid on the date set forth below. Date: ?-' Burton Neil & Associates, P. . By: Neil Sarker, Esquire Attorney for Plaintiff The law firm of Burton Neil & Associates is a debt collector. C-52715 CITIBANK, N.A., Plaintiff V. ERIC T MORGAN, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA : CIVIL ACTION NO.2011-783 8 CIVIL TERM IN RE: DEFENDANT'S PRELIMINARY OBJECTIONS PURSUANT TO PA.R.C.P. 1028 BEFORE HESS, P.J., and PECK, J. ORDER OF COURT AND NOW, this lfft day of June, 2012, upon consideration of Defendant's Preliminary Objections Pursuant to PA.R.C.P. 1028, following oral argument held on June 1, 2012, and based upon the reasoning set forth in several of this court's opinions addressing issues identical to those raised in the preliminary objections sub judice, the court concludes that Plaintiff's Complaint, which asserts a cause of action for account stated in the above-captioned consumer credit card action, fails to properly plead a claim upon which relief can be granted. See, eg., Citibank, N.A. v. Wadas, No. 2012-1705 (Pa. Com. Pl. Cumb. 2012); Citibank (South Dakota) N.A. v. Skaboulos, No. 2009-8676 (Pa. Com. Pl. Cumb. Cnty. 2011) (Oler, J.); Citibank (South Dakota) N.A. v. Ross, No. 2010- 5668 (Pa. Com. Pl. Cumb. Cnty. 2011) (Masland, J.). Accordingly, Defendant's Preliminary Objections Pursuant to PA.R.C.P. 1028 are SUSTAINED, to the extent that the Complaint fails to properly plead a cause of action for account stated. Defendant's Preliminary Objection asserting improper verification is OVERRULED.' This court grants Plaintiff leave to file a legally sufficient Amended Complaint in compliance with the pleading requirements set forth in the Pennsylvania ' To the extent that Defendant objects to the verification signed by Shelli M. Stackhouse, who is identified as an employee of Citicorp Credit Services, a service provider for and subsidiary of Plaintiff Citibank, N.A., the court overrules the objection. Cf. Arrow Financial Services, LLC v. Witmer, No 2009- 6197 (Pa. Com. Pl. Cumb. Cnty. 2010) (improper verification when made by representative for third- party debt collection firm). Rules of Civil Procedure and consistent with this court's prior rulings, within twenty days from the date of this Order. BY THE COURT, Christyle L. Peck, J. Neil Sarker, Esq. Burton Neil & Associates, P.C. 1060 Andrew Drive, Suite 170 West Chester, PA 19380 Attorney for Plaintiff James Vincent Natale, Esq. Harold Shepley & Assoc., LLC 209 West Patriot Street Somerset, PA 15501 Attorney for Defendant .;1.t (op', es FILED-OFFICE 4 THE PROTHONOTAR?' 2012 JUL -9 AM 9: 41 CUMBERLAND COUNTY PENNSYLVANIA Burton Neil & Associates, P.C. By: Neil Sarker, Esquire ID. NO. 203465 1060 Andrew Drive, Suite 170 West Chester, PA 19380 (610) 696-2120 Attorney for Plaintiff CITIBANK, N.A. 701 East 60th Street N Sioux Falls, SD 57117 Plaintiff V. ERIC T MORGAN 305 Widders Drive Mechanicsburg PA 17055-9745 Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA : NO. I1-7838 CIVIL TERM CIVIL ACTION - LAW Amended Complaint - Notice You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections t( the claim set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose moni or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HA A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. THIS OFFICE C PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERENCE AND INFORMATION SERVICE Cumberland County Bar Assoc. 32 South Bedford Street Carlisle, PA 17013 Telephone No. 717-249-3166 or 800-990-9108 C-52715 /304 BURTON NEIL & ASSOCIATES, P.CI By: Neil Sarker, Esquire, Id. No.203465 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK, N.A. IN THE COURT OF COMMON PLEAS Plaintiff V. ERIC T. MORGAN CUMBERLAND COUNTY, PENNSYLV : NO. 2011-7838 Defendant : CIVIL ACTION -LAW Amended Complaint 1. The plaintiff is Citibank, N.A., with place of business located at 701 East 60th North, Sioux Falls, South Dakota. 2. Defendant is Eric T. Morgan, who resides at 305 Widders Drive, Mechanicsburg, Cumberland County, Pennsylvania. 3. At all times material and relevant hereto plaintiff was a national bank, engaged in various types of banking business, including but not limited to consumer lending through the issuance of credit cards. 4. Universal Bank, N.A., on or about January 11, 1991, opened an account for with account number now ending in 0431. 5. On or about January 7, 2002, Universal Bank, N.A., merged with Citibank (South Dakota), N.A.. 6. On or about July 1, 2011, Citibank (South Dakota), N.A. merged into plaintiff Citibank, N.A. 7. From the inception of the account and continuing through on or about December 11, 2010, defendant used the credit card. Attached hereto, made a part hereof and collectively marked Exhibit A are copies of monthly billing statements for the billing period ending on December 20, 2007 through billing period ending on March 18, 2011. As can be seen from Exhibit A, prior to the billing statement for billing period ending on December 20, 2007, the account had a balance of less than zero. (Credit balance) 8. Accurate running records of all debits and credits to defendant's account were kept. 9. Defendant was provided with the aforesaid monthly billing statements which accurately stated the previous balance, the debits and the credits to the account for the prior billing period, the new balance and minimum amount due. 10. As noted in the statements, defendant's conduct after receipt of certain statement reflected by his making payment to plaintiff with the entry "PAYMENT THANK YOU" and amount of the payment. 11. Defendant last made a payment to plaintiff which was posted on January 17, 2011. 12. The last statement plaintiff.' mailed to defendant had a payment due date of April 1 2011. 13. In using the credit cards he received from plaintiff, defendant agreed to pay in full the new balance reflected on the billing statement or pay the minimum amount due reflected the statement. The Exhibit A statements reflect the payments made by defendant. 14. Defendant after receipt of the statement with payment due date of April 16, 2011 failed to pay either the balance in full or minimum amount due. Count I - Breach of Contract (In the Alternative to Count II) 15. Plaintiff incorporates by reference the averments of paragraphs 1 through 14. 16. Defendant's conduct in failing to pay the balance in full or pay the minimum amount due reflected in the billing statement constituted a breach of the card agreement, a copy of which is attached hereto, made a part hereof, and marked Exhibit B. 17. As reflected in the Exhibit B card agreement, its terms did not require the signature of the parties; rather as set forth in Exhibit B "This agreement is binding upon you unless you cancel your account within 30 days after receiving the card and you have not used or authorized use of the card." (Exhibit B, page 2 under "Your Account") 18. The exhibit A statements reflect defendant's use and acceptance of the Exhibit B card agreement. 19. Having breached the agreement defendant is liable to plaintiff for the balance due as reflected in the billing statement with payment due date of April 16, 2011 in the sum of $25,600.83 WHEREFORE, plaintiff prays that judgment be entered on its behalf and against defendant on Count I in the sum of $25,600.83 and the cost of this action. Count II - Account Stated (In the alternative to Count I) 20. Plaintiff incorporates by reference the averments of paragraphs 1 through 19. 21. As aforesaid, plaintiff maintained a running account of the activity in defendant's credit card account. 22. As aforesaid, each month plaintiff mailed defendant a billing statement which reflected the account activity. 23. As aforesaid, each month until the time of default defendant received the billing statement and after reviewing the same, either made a payment to plaintiff or retained the statement without payment thereby assenting to the account. 24. Defendant's actions as set forth above constituted an account stated between the parties for the sum of $25,600.83 being the balance in the statement with payment due date of April 16, 2011 which was the last statement plaintiff provided to defendant. WHEREFORE, plaintiff prays that judgment: be entered on its behalf and against defendant on Count H (in the alternative to Count I) in the sum of $25,600.83 and the cost of this action. BURTON NEIL & ASSOCKTES, P.C. By: Neil Sarker, Esquire Attorney for Plaintiff In making this communication, we advise our firm is a debt collector. 0 at&t AT&T Universal Rewards Card Charter Member ERIC T MORGAN SUZANNE L MORGAN Account jjjjjjjl = = MS Calling Card + PIN November 20 - December 20, 2007 Quick Reference Minimum Payment Dw...»»._..._»._....»...»........» 1309.06 Due DaW...... ».._ ............................. January 14, 2008 -Paymnd must be remwd by SOD pm local Ome an the pymed due dra. . ..................... Credft Line .._ ...................... ......... $25,000.00 Available Credit ...... » .......................................... $23,764.00 Cash Advance Limit ............................................. 400.00 Li it 400 00 h Ad C m ................. vance as Available . ............ . Account Summary Pravieus Aalanar3 17 343.91 1,?4r x,765 nt 'fntai A R fyions D.oo New Balance 1,235.81 Note: Detailed activity starts on page 3. 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Schedule payments in advance or pay by 5pm ET on a weekday to post the same dayl Sign in at universalcard.com and select Make a Payment. date paid amount paw check 11 c1b ATiT and the AT&T globe design arc trademarks of ATST Knowledge Ventures, hunted to CRlgroW Irm Please fdknr Payment lash eticas aetib3ed In the `lagw1wtt Instructions for MsWne PaymenW section of the stotoneo- tae Aeewae 111100 r X0865123581309085414 F 0865 Prser saw Amens of Peyse" 6a:Leae Pa~ lho paw T.. JAN 14 2008 7s1235.81 $309.08 $ 3S Pe 00 A 1 AR7290464 ERIC T MORGAN SUZANNE L MORGAN 305 WIDDERS DR MECHANICSBURG PA 17055-9745 AT&T COLD 81U`9 X1&2564 EXHIBIT SSUUIZANNE LMORGAN AT&T Universal Card ac=me== W 0= November 20 - December 20, 2007 Page 2 of 4 In the return envelope. pbaim. 1 Make your check payable to AT&T Universal Card. 2 Enclose your check or money order. Include your account number and name on the front of your check or money order. Please, no cash or foreign currency. 3 Enclose your payment coupon. Do not staple or tape It to your payment. Insert the payment coupon so that the entire AT&T Universal Card address appears through the window of your remittance envelope. ERIC T MORGAN SUZANNE L MORGAN AT&T Universal Card Account M M M MS . November 20 - December 20, 2007 PAYMENTS AND ADJUSTMENTS Page 3 of 4 Tran Pest Description _ Amount 12117 m iCKTaAy PAYMFNT THANK YOU 17.343.9108 12/13 Q TCK-TO-PAY PAYMFNT THANK YOU 500.000R 17/14 THANKYOU PTS RFDFrMFD TY 080008659340 50.0008 Total Paysieats and "Justoents $17,893.93CR AT&T UNIVERSAL MASTERCARD ACTIVITY Purchases ..................................................... _._............... ......................................................................... ......... 1,785.81 Cash Advances and Checks ............................................................................_.................................._.................. 0.00 Total MasterCard Activity ..._..._..._ . _.__.__. » ._...__..... _ ................._.........._..._..._........._..._..... $1.785.81 PURCHASES Total MasterCard Purchases .................,............................. $1,785.81 Standard Purch CASH ADVANCES Cash Advance Limit ........................................ $9,400.00• 'This represents a portion of your total cred@ line. ERIC T MORGAN SUZANNE L MORGAN Acowarc = = = GM November 20 - December 20, 21107 AT&T Universal Card Page 4 of 4 FINANCE CHARGE INFORMATION Do" In Baum Perledie Transaction ANIMAL Nomhwi Perledk x SUMq x Suhled to = QNANjj. + Fee/i jr , Pffae 'MACE _ APR Rate Period Finance Charge S!ldBlK GMASfd ff67d PURCHASES Standard Purch 229$0% .06296%(D) x 30 x $15.728.61 = 5297.08 + $000 2298076 CASH ADVANCES Standard Adv 22980% OUM(D) x 30 ' x $0.00 = $0.00 + $0.00 22910% Total RMAA ECRArx:F - $297.08 AT&T SERVICES SUMMARY AT&T Universal Calling Card Calls .................................................................................................................... $0.00 REWARDS, ifiThankYou go -AT&T Universal Card ThankYou Points Summary- Activity This Period Base Points Earned ............................................................................................................................................... 1,489 Total ThankYou(sm) Points Earned This Period ................................................................................................. 1,489 Points Transferred to Your ThankYou Network Member Account ..................................................................... 1,489 Year to Date Activity Total Base Points Earned ................................................................................................................................... 14,236 Total ThankYou Points Earned ..............................................................................................._.......................... 14,236 Go to thankyounetworkcom to review your ThankYou Point balance and redeeml Bonus Points may take one to two billing cycles to appear on your statement. Please refer to the specific terms and conditions pertaining to the promotion for further details. at&t AT&T Universal Card Page 1 of 4 AT&T Universal Rewards Card How To Reach Us Charter Member Visit: www.unWmall ard.oom - EtIC T MORGAN Customer Service: 1-800-423-4343 or write SUZANNE L MORGAN Cardmember Services, PO Box 44167 FL 32231-4167 Jacksonville Account -- - 0865 , Calling Card + PIN December 20 - January 21, 2008 Quick Reference CASH VVHEN YOU N® IT - It's easier than ever to get cash, up to your available cue.. $79.71 ftl aam lnlrr Pay! ono Cash Advance Limit. Deposit the attached ? - February ? flos 2 Due 08 1 check into your bank account, or use it like a ,. t ffoid to ?.oelraa by 5:M 100W umeOM tht dlft? any personal check. The transaction fee is Credit Line .......................................................... 25,000.00 3% of the amount of the cash advance Available Credit ................................ 733.00 21,733.00 with a minimum of $5. Cash Advance Limit ............................................. 400.00 : Available Cash Advance Limit ............................. 400.00 Account Summary Get a Citibank high-yield savings account. Plus le a.l.n P 11 receive a special bonus. Open your account rev stmon a 3?0 online Instantly. Just visit offer.ctibank.com _ A2N X4;101 and enter offer code CY3C to learn more Tot. a . 0 on and apply. Citibank, N.A. Member FDIC. New Balance $3,26ti.62 Note: Detailed activity starts on page 3. GO PAPERLESS & PLANT A TREE Purchase Categories FOR THE NEW YEAR. Entertainment . ........................ ............................... _.. $20.00 Switch to Paperless Statements and a tree .. Heafth Care ............................................................... $167.50 will be planted on your behalf. Get an Merchandise .......................................................... Restaurants ............................................................ $1 522.66 ... 113.56 email notice when your statement is ready. Sign up at www.universaicard.com Services .................................................................. ... 129.00 Vehicle Services ..................................................... .. 50.58 REWARD YOURSELF WITH USA TODAYI Get 13 weeks of USA TODAY for only $45.50. Call 1-800-872-0001 ask for offer 513 or visit www.usatodaysubscribe.com/usat5l3 Vold in Alaska. Brought to you by Spectra Products. date paid amount paid check 4 ' • AT&T and t1w AT&T globe design we trademarh of Ct1 I AT&T Know Ndga Ventures, licensed to citlgrow know Pl"" follow payment Inftuctlooz ootikwd Ia 1M "tmportarA hutnuctiens for Making Perm~ section of the statemaat. Yea AatweR nMaer 0865326682079715514 = = = oa65 PUeN 6Mr Amwalt of 11"n" t+wieeea FEB 14w2008 63266.82 $79.71 38 PR 00 A 1 AR7290468 AT&T Nl ERSAL CARD ERIC T NORMAN P, jXg??., SUZANNE L NORMAN 43218-2564 305 WIDDERS DR MECHANICSBURG PA 17055-9745 SUZANNE SUICR o GAN AT&T Universal Card Amount M M M OW5 December 20 . January 21, 2005 Page 2 of 4 Have ThankYou(R) Points, will travel. With 35,000 Flights and Hotels In 3,000 Destinations, your dream vacation is just a dick away. Redeem for Travel today at www.thankyou.com/wintertraveIO8 Get More Points for all your Winter shopping. Earn ppoints faster when you use your AT&T Universal Card to shop at participating retailers in ThankYou(R) Network's online shopping mall. Shop Now at www.thankyou.com/shopwinterO8 In the return envelope, please. i Make your check payable to AT&T Unhrersall Card. Z Enclose your check or money order. Include your account number and name on the front of your check or money order. Please, no cash or foreign currency. 3 Enclose your payment coupon. Do not staple or tape It to your payment. Insert the payment coupon so that the entire AT&T Universal Card address appears through the window of your remittance envelope. SSUU7ANNE LL MORGAN AT&T Universal Card Accwtt M = M 0666 December 20 - January 21, 2006 PAYMENTS AND ADJUSTMENTS Page 3 of 4 Trans d ?rnrr ptien - 4,nnurd 01_108 -LICK-TO-PAY PAYMENT. TNAMK YOU 320.0008 Total Paymots and Adiustnaats $320.000 AT&T UNIVERSAL MASTERCARD ACTIVITY Purchases .............................. ............................................ _................................................................................ 2,351.01 Cash Advances and Checks ..................................................................................................................................... 0.00 Total MasterCard Activity....„„.__.__._..._.. ....._..._......._..._ ......._...„.... _........_........_..._..._....__ 52,351.01 PURCHASES Total MasterCard Purchases .............................................. $2,352.01 Standard Purch ERIC T MORGAN 5 Amount =M=fps December 20 - January 21, 2008 AT&T Universal Card Page 4 of 4 (11/17 (11/17 Vehicle Services SHEE17 nnnn1003 MIFFLUMMa1 PA 3.A6 At/17 Di/17 ntertainaent PIANET FITNESS NECHANI 717-7A117n7 PA In-on x(17 01/17 Fntertainment PLANET FITNESS NCPNANT 717-7611782 PA 10.00 n1118 01/18 V hirle Services SHEET7 01007003 HARRIINIRG PA 4.d3 m /t8 01/18 Merrhandise fIANT FOOD 217n MFrHANTQRljRG PA Al Total Standard Parch $2,351.01 CASH ADVANCES Cash Advance Limit ....................................... $9,400.00' 'This represents a portion of your total credit line. FINANCE CHARGE INFORMATION- Days In aalance Patodk Tranwctlon Nooll" Perlod1c x a1111ne x Sulod to • QMAMCL r Fee/fRIANCI Standard Parch 21.970% .05019%(D) x 32 x $Z.476.97 = $47.71 + $0.00 21.970% CASH ADVANCES Standard Adv 21.970% .06M9%(D) x 32 x $0.00 = $0-00 +. 5100 21.97096 , Total RNANCECHAar:c $47.71 AT&T SERVICES SUMMARY AT&T Universal Calling Card Calls ................................................................................................................... $0.00 REWARDS t fifiThankYou li9 -AT&T Universal Card ThankYou Points Summary- Activity This Period Base Points Earned ............................................................................................................................................... 2,303 Total ThankYou(sm) Points Earned This Period ................................................................................................. 2,303 Points Transferred to Your ThankYou Network Member Account ..................................................................... 2,303 Year to Data Activity Total Base Points Earned ..................................................................................................................................... 2,303 Total ThankYou Points Earned .............................................................................................................................. 2,303 Go to thankyounetwork.oom to review your ThankYou Point balance and redeem) Bonus Points may take one to two billing cycles to appear on your statement. Please refer to the specific terms and conditions pertaining to the promotion for further details. Don't forget to use your AT&T Universal Rewards Cana which gives you five ThankYou Points for every dollar spent on certain AT&T consumer products and/or services as well as purchases made at supermarkets, ` drugstores, and gas stations. ?? dJ w r d is Y p A ?a •N ? } o a O O O t? O O .?„JC N ?? O N f f p 7 CS C74 JyCC yU Yy# s N? M y ?0 w "' r? i 41 o ccl C r n \ d u u ? Z a -=A E N 40 ?U& xg-c w O a ?- < u< u o-- o aw pw wrr wr aw • pIr w fiY,. Asw lwbw?Mw w nrww• w+•w..womo.AT&T Univorval Card 0665 0013763 0572063 0010000 1413 Told Nm Balance llrmlla Mlobmm Amaaal Ow SWA3 Palm i Dw Odc X^2001B 000000 PM 001 O ERIC T MOWAN S% NNE L MOROAN 305 VADOCRS DR MECHANIC38UNG PA 170359743 or 10865 Neff tlnr ?tlM p`?.w? Y MM. AT&T UNIVERSAL CARD PA 90X 162S" COLUMBUS, OH 43216.2564 ddb N i n W Y? Y? S? x ? O J ^ ? s o r m o o 1w a 'w ? r o e N ry ry ry g ? < WW a § ?° a a s A a 6 J Sl 4 .?w sg ° • s w ? ?Y C qa W W A y r p a s_ ? >° E L 21 g a 3 q e! i? Yi ?y A o o ? 8 . ro S ? y E g J ? a tWW S r M'N YN tr? °" Y $j t ? I 1 O O O N N N ?1 ?O O O Y1 N O O N N { y JLj = >t y U . r u Y to M Y? M C cr E E W _ O N .J J 2Y?Eh ~ t Za +?coo O CY 3 co ? S ` oJ e.rw ?•?•+w arse oar .ra?...w.wa..uw..w.. ks-+•+rw+..ATU Uahw sal cad 0865 0020303 0847753 0015000 1411 TOW Now Safanck r $BATT W __.0B6B Mlftmm AmOw1t Owl fI00 0i AMaaat Endow* . Payment DW Data: 04/µ/t00e P n.l rneslwlbps=PM tl ? Ae"M M.n. 000000 PM 0010 ERIC T MORGAN SUZANNE L MORGAN AT&T UNIVERSAL CARD 305 (MOMS DR P.O. BOX 102564 MECHANICSBURGPA 17055-n45 COLUMBUS, OH 43218-2564 Nf N 3r ? ? O Y! A O A A P s _ ? • O ? b O O O g < a o a l g o i '11z Hs Id d e 0 ado O A N 4 O N N ih Zee t ? E sC° a O } h 3 ? y °O Ito 9s ?° g F L'S u ry 311 ;1; a g o s ; c s ? s W s fil Y?r C ? ! I -AN P . cc r- . a W ?? c t W N ? t ? N t < 2 s C Q 3 ! N M Sn M 0 4 p j N 4 ? d0 do* PIN wmW pW Total Now 6aiwim $1XJ=.54 Minimum Amami Oar i715.a6 P"Wa t Ow Oats P O P ?a O O O O O 1? N N Ml V N N ^ N ;` M N M C ? C ?gV ?N D C 0 ;Yt? It 0== .3 J Y J w ; r < Z t' ? Y p ? A op? a ad -diAN 0-6-0 w%ft.rw?rr.rrsP?w.. --mr-wo-AT&T Universal Card m65 0031526 1223054 0022500 1415 or 0665 Aoawt awls" 000000 PM 00 A 0 ERIC T MOROAN SUZANNE L MORGAN 305 NIOOERS DR MECHANICSBURG PA 170539745 %w he mukvd by I= P" AT&T UNIVERSAL CARO P.O.60x 162564 COLUM" ON 43216.2564 a Y O 3 r E O i f N 3 ? J V RN =? T H V! Y t? ? e q iA ? ? o e n N N 1a ? C • M ?j a s N c C N N P 8 N i A Ci h c ? A A e a a O .v r o M N 1 ? 1 N 1 M a .o N iy f M 1 0 M n A A e I- A H . 5 5 i URA JO • . u _s o ? 8 ss . $ ? sF §a a? ? a :s5 q _ ` w W u s? C+o s 3 ? ? ? M- • F ? ? N M Q 7 ` U' G w n i r • f • f ? n f E w r w r Y¦ 0 1A g N 8 i b 8 • : • Y 1 ii <N 2 h i p f i s? J p O O O w EO PI O O ?A b m eel J '?" r; Q p a¢ W O N O j y:2 1 tr7 L 7 Y R UIZ Y Z V o G 2 .. J r?? N 0 T T E i 1\rf 14 IN m • _ y 1'S E 3c g a a+. w /nr.w pr awa r Gfr w1 Iwr w?wr1 ?wrr•?ww'wws wr. is mom eATIRT Unlwnai Cud 0865 0037527 1461315 0050000 1417 Total Nor Bolaneo: . • :14„OO.l0 0060 Minho m Amowt Due t77l t7 Awrmlt Emelo" . Payment Day Datat 00/6/=0061 iaarn¦.•we? n?rwao?roow ?wir atrw?? 000000 PM 0010 ERIC T MORGAII SUZANNE L MORGAN AT&T UNIVERSAL CARD 309 WIDDERS OR P 0.807(102564 MECMANICSBURG PA 17055-9745 COLUM8U5, ON 43218.2564 ryN1 r 1?1 ? P q P JO V N N O N O =F 2 N Y ? ? N N @? J8 O G O yy .jj ??yss 77 ? { i N MI ? R p g ?„ p •y ? f O o • ry 1!f d ? ¦f d RRR O A O O n N N pq pq a s ' a s c a N e ? O f . • ?1 y ? L o a 4 a y E C ? 7 ao w° E- ieq tOI ? ? `qJ `"$`S dr= ° SPA ? C g- C ? ?a $ 15, UO a°?C ? ° 120 io E E- I. l s ! Q s? = O i w t i? • ` ? p N O? ? p f IM '^,? I}5j u eeyy -1 C s 17i, ?y N .1 IL I Y C ? J s t V i j"zI a aN A. - . N t O O O n •+ m a r- O O in N m o h O Y C 7 N M M N Q p p?? HIM R ?JC?f ?> ?c C 6 n l l ! . ci) all 19 g O g g O a $ p N ; U q t y O ? H N ° - c r H¢ r - I dft ptl wwi1 PW dwtr IMa rr Or. Pwwa bwwa..mnwrr --a pwrrrAT&T Uehnrsal Card 0665 0042714 1701614 0040000 1411 TOW Now SaWo a l17.8/a.s1 >s6s Minimum Mount Due: As mat &Kkve&- 84".14 Pav 1w I Due Odd 07111412006 000000 PM 0010 ERIC T MORGAN SUZANNE L MORGAN 303 MADDERS OR AT&T UNIVERSAL CARD PA. BOX 182564 MECHANICSBURG PA 170ss•974s COLUMBUS, ON 43218.2564 N Tj•'4 oil ? f r t? ss: i? y4? o ? ? O e ooir ??r J O O ZuMu< O ? i. r. <aZ w 1: C; p G 1 °OO a O 0 C. • C; C; C. 3 f aQQ? s E a ; ?- P O P - y 7 N a?8 n. ? d g g `? d d ?y d Z N x R N Y ? tt J PS 55 ?? o? r OY p n ; n; CmC y? y ? C ` O H W ? J z ? O??q Yd z g:E 8 m d uv=? f a CN R l CCCY C O W ;ai ?ao y a? R c m Its gr u r ??s o? « OId O 14 cc N u N clu .p3 p3;aC Nc? V o? Y q t L«?? C yE? a rq? y?CW t0 'C il3c 0 c> ? ? y J r f ? t «? o?f „ a W x u < W N ?v N ry b N C < i w -- t S E a ?? a N a ?. F E i O CP. O D? .r R O °? O D. 40 M ]? y:1 r 25 J J J N O ° ? O < $o" o = N s«? ° co In I ja O s 4* 1 a u, i1a-c-si ? &%pow r.NMw a.a• Dom& and kft• P.W..m nwtw r+.+. mw wAT&T Unlvamai Card 0865 0052464 16S0014 0045000 1411 Toth Now Balance: =ta.BDat4 Mlnkmm Am*W Due lStt.M PDrmDM Dw Date 000000 PM 0010_ ERIC T MORGAN SUZANNEL MORGAN SOS IRDOERS OR MECNANICSSURGPA1T055-97AS Y. Oats Aowmt Eadaq? vNtt•.t w.e r,.ar..r gthoo w latal the w D• P1tt•?! ?• M? AT&T UNIVERSAL CARD P& SOX 182s" COLUMBUS, DM 41218-256 Hli ?y iw 5 y? Y• t• i H? N Zt'c< o S?t I f 1 ? n 100 I P 4 a s ' r f y O r • Y 118 a o? h 1 ry J C ? a?d n N . ? J f ? V Its _4.{4 ros d •'`}J C Y At • _ me QCQ?t b ? L Oil EtJ OiW ea v .0: o ff , cc,li C } ;; it zt ? 3 C 7M Y.e? ? ?i ?7 o 1y ?m !!{{O yG i M' Z L 3a°O . ? h ? ? 3 g O N ? 2 ?? 8 s N N < W t ?? rr M Y ry < N pQ? O? P? a2 o ? ?o CC a 0 Al O > N. O .r 0= J 4 ? 7 a 2- N rn 0. 1 40 -c CA A 7? . 4t C C q J t ? ? V60.rG O .r ?W -Wit om a rMM W 1?? A}??1 yl?ly • . me- +--rnrr.-AT&T UnlvmW Wfd ,0865 0053667 2108025 0052400 1414 Total Nat 8aMn= $ Mlnbnum Amount Cue $swA7 Prymant ow Cate 000000 PM 0010 ERIC T MOROAN SUZANNE L MOROAN 305 MADDERS OR MECHANICSBURG PA 170$-9743 r. )863 Am=* Endure Awnrn? row•wr e«ur..r w =- AT&T ? u.? ? ? .r UNIVERSAL CARD PA BOX W23d4 COLUMBUS, ON 1]218.2364 J N ¦. a ?n Ti N O O O N O t?S.rl N N ? A O A e o o ?g = C 1 N A N wl . O . 4 T a 1 1/1 N O O . O O . A A A A ? a o 0 0 0 0 a a ?o K ! N Vi V z-SRI 1 . 11 s O ? i i o o N ? N A T ?? A iy? 8 T G` 33 C? X a? L? 4 g O O.O. c? Y s? C A ?a 0 0 O V EH u Y C L L t <$.? Cog a j » ou ?? yYy G r N 2 Y e C d's Z' g'? <c $ Jul J 45? PZ c> M ? w V ? w ?? ¦e Sy I sj= 2 r L W N <y vQ t t o = f N . a x >`y N i? N Y s ? E 3 W O u+ O ?n y o O A O N C •a ref .. ? ... O C O ?! N M• M ?`?? s .? a yo O w?S O J ? C ? y Ell! Itc N Iq N J T t -ga n n s Q + m 9 N 7 Y.2 V aQQ IN 3 5 y? C 11 ` A 0 40 40 12 1 2. ?w•+•.wnrrATV Unlvwsal Card -0665 0064533 2332401 0057500 1413 Total Now Salan= Minimum Amount Duc PaTmant ON Data: 181W200a 000000 PM 00 A 0 ERIC T MORGAN SUZANNEL MORGAN 305 YRDOERS DR MECNANICSSURGPAITOSS-9745 r. -.31111115 AWIMM Each"". til'??.?t mlMt M nnRIN MY, SOQ P. Ipl IMI•.11M p?1 rW AT&T UNIVERSAL CARD P.O.50X 162564 COL UMSUS, ON 432W2564' ? YYY A ?f w o °° . '? Jw 19 ° 'mow ? i?y~ n r 3 000 ?? ? aooo ?? II ? A O A iQ w w 3 A A H 'n O n O O b O O O i0 ?y N N ??8 8 ++0? 3 ? o 0 a N r a? ?Ya RL 5 w? 0 1 J ? 7 O V O y F- ? : A W 0 • g S 8 3? a, a??t a ?b3 7 V CT?? 0 N C ... O Nyy O O yyW CC o$ $ o el r r ? a v o ??Yq f, c ? ? c ?agd $ _ A a n qE C ^ p w ? ? ? w J - w f ? ? a C NN f 1?? N ?? =?x am{ i i d- ? i L a co C ?I ' St ° Li 77 W F $ J . t N t .4 rj N t J CL y A Y? . co 0 n •s O in oc {Q + O ? ? a 44 0 rr rr ....r.. 0 CO 0 N O 0 O n 0 N O J Y y ?CO? V 4n » M H » V Y Y // yC ..ff . d?Y J C 7 ^' Y aY VC ? rJ o Y ? V ? 07 ? ? IfS ? ? vv ? C ? t ??. s O CL:e a l - 8 - • o.iw Yw IW. 1...Ml... now" wom +.+ww+u..AT&T Univmd Card 0665 0066065 2317157 0070000 1416 Total Ns balance Ss7.9TS,67 Mslm9m Aaloant Ow $Md6" P"WARt OW Date 000000 PM 0010 ERIC T MORGAN SUZANNEL MORGAN 705 VAODERS OR MECNANICSAURG PA 17055-9745 tr 0665 AMMM EadeMt ?n...e .. `row w Sm rY IaaY 16M. Y. PI'S dwa" AT&T UNIVERSAL CARD PA. BOX MM564 COLUMBUS, ON 43216.2564 s Y • m3 e . ° `a s w ?i <g p rp '' N O y ? N C T? t 2 C? so li _? a F 1? ? ? P K?•. ? y C C?O al -Val Q a?cz a I f! i , ay 9 .p c s ?jy1 _¦ ?y 3 6 i , ? n 3 e M Y 152?: -cc Ati `? 3 &E A C `?ry d 6 F ~ ? G` C?: O J E55 . A M O O M S i n ? ? pp !!QQ ? _ • P P ? C; 0: P n N S .n O w ? r ° a ?r O A O O A 8 8 Y o .. d i ? P O P ? N a o P P ? < ? ° yt ?? a f h o D o f N e F n 1?1 n n N N y? d d V =V =w~ e > W N N s $ '?yI at ? ? x e? 0 e o 3 ? DD i izl Z? ?d N N ;s i 88 d d dd ?d a all d d d d u O m O O1 . O m O m y O N of N 1n ..I .N.. .r y J y7? N M M m u N ? Y C m ° _ c V O J Y i N 40 a E ^ g??i° ~ e1r r.r a.?.r or ara Door md rrm rwow rY.1a...? n..u r.rsmiwmr 6.ATW UA1Ybraal Card' 10865 0061756 2376013 0064000 1411 Total Nw Balm= Sla.7M= Mhtimam Amount Duc $6V-% Payment Dun Date 1*1012000. 000000 PM 0010 ERN: T MOROAN SUZANNE L MOROAN 303 MIOOERS OR MECHANICSSURO PA 17053.9745 Pr Go" Ammod EDdsw* ql ?nwr 1DUt r..alwr sm w 1 01 Wm ear Aplry M d o$, AT&T UNIVERSAL CARD PA.a0X502S64 COLUMSU& ON 43250.2564 e 7 0 o° c? _c m m all r u ? Z g ?$ n ¢m?lQ zu8 o? c W? shisg a ;a es 3 cza N 1+ ?r M e ?w r+ 0 0 0 N N 2 y „ Q ? 0 0 0 0 0 0 ? O ? P 0 0 ?r 0 Y 0 O 0 P S P O P ? Fs P Z P T N ? N 4 2 a b e o ? n lip N y ? OO 3 ?y n i N g w ? ? 1?1 O J Kfie ie d Y A •? go _ $ ' "' s $ 0. i . o 0? 8 i s wg o 2 g _ ? a €? o Y P `Yt 7[ & Qi t Q I If r? Oak C CC a a N v, p i N r. 40) 8i8 a?a a d a a 818 I d ?a a 11 u It JC. it $ gas ., 2-- SL? • ? t Y Y? C el? 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CMr W /rw A1wM YIWMIYr ? 1w?? u?h- *-awoobs.AT&T UnIVOM l Card 0865 0065913 2339556 0061500 1412 TOW Now osimm NIng1Nn1 Amami Duo: 7{6!9:16 Pgmont Dw Dabc OZ/WMM 000000 PM 0010 ERIC T MORGAN SUZANNI L NORGAII 309 WRODERS OR MECNANICSSURGPA Tr095-9743 U: O"S Amount Endampe =gym , = M =PN AT&T UNIVERSAL CARD PJM SOX 182564 COLUMBUS, ON 4321443&1 ytp Y • Nai C ?W U => OR oE? ?$$ Nov ?? su?? Sic It CL 2 CL .,* m g?°o `w Y? O-°e lit- fit , O m? AS° ?` »+? UriI IT 5j 3S u c $; cc3: o` 'c?S z o? s N p M ^ JO ? O a O a Ar NNN i ? n wr =V N N <S 1 < h O A -• N N s 00 O PQ 00 0 NOm !R 30 Z ° •p d w$ _ h c e 3 • ? i'i lot E dd g 0 fill Q n n N YI '' T T 8 M m? o = iJ ul; t W N < 1 yA Y a t N N < i g F 3 ? a 3 o $ b? ? F w o • ~ gg It =a d O ? In 41 4 1818 d d d dS d d a 0 0 i t N _ w o ?? s Hal ?o 1 o g ?m • ass'---? E ?? ? < V VOO C '?.7 --+.a+r+.AT&T UnltnraW Card 0431 0060177 230673S 0070000 1410 Total Now Balame $UA$7.n. Mlnlmum Amo mf Ow: 94OL77 PSYmmt Ow Data: 0.1/16/2000 000000 PM 0010 ERIC T MORGAN SUZANNE L MORGAN 3051ARODERS DR MECMANICSSURGPA tTO53i74S fi. .0431 Amwmt bKb=! A'*".r w?w1 w r..w..r A =- AT&T I.y d~ ° tlrf-Pw?M M UNIVERSAL CARD P.C. Box "12364 COLUMBUS. ON 43218.2564 O b 0 ?r Y ,s s ry 4! 6 F • Y ? ? m J ? AV owl! its ?f1 N Y O J? ? O C S =r?? ? o i ?_ a N 06 8 a g ?21 E • 8 • i 0 4 '? t N 7 .•. ? ?i fs uy ?y s Y N i L G M p 52 We V pp ~ o?p y9?? Q ?A `w ? _r ? t7 $? ?O py t Z o ? a ? 61 .§ _ Cr t? s? j' G O 8 \ . co m N 40 0 aw,.r .r.row Ile Is 8?s s d 11s a d d " a 3 o 0 o .e 0 a o 0 u, .. 0 a p 3 too ti w N N yy ?? C1? ? V q Y y ? V ? o m SRI E. i o0 ?°. Orst, 3 1910 1 egg g`° J i ? J6 i UV a -4 :2 0- ?PL 0 P. r°• i i 4 Feu qj S -d1d• owr?rtir.r.w?ru.rru..s..?.w.. r+.+.a,w+r?AT?T UelvaLSal Card .0431 0059983 2309361 0060$00 1412 Toth Now 9aW" sasA " M1MMM ARMIlt owe $9"As paym"t am pate 000000 PM 00 A 0 ERIC T NORMAN SUZANNE L MOROAN 305 MADDERS DR MECNANICSaURGPA T70559T45 .0431 Ann* Lidaaa! vr?,n.r.?r a ned..agr ago rr rd un..n a. oen?wc ?w ur AT&T UNIVERSAL CARD P.O. SOX 1a2561 COLUMBUS, ON 43218-2561 M eN yl??! ?? C M o S * M o? C M b . V c ,Q? t t 000 C p;; 6 oro? c 2 Iq Y > > _ - 4 eo?o E°..61 CAM msps' °g?? t v? N < o N h 6 I jig, 12 t7 m N N w J r s '^ M ? a = W u <WNt 4 S 4 t 2 Tetal Naw BManu $2&0&ta Mlnhmim Amowt Ow: *mTo Parmot DIN age 01111"1200* 000000 PM 0010 ERN: T MORGAN SUZANNE L MORGAN 305 MADDERS DR MECHANICSBURG PA 005511745 a g IMP N N ? IE d S g % S "< fi ?i to O \ O 0 r+ . N '° I O 4* 40 11 i I s Rya lot u ?+ N ? O N o ? o `m E? o fi y N IQ wo?N T tl ? o w. w woA*p r dWa r D~ ad rw Perm" b.wlr,s.,.,.?. mow +•om wo.AT&T Unlvasal Card. 0431 0063970 2313614 0060000 1414 r 0431 Aoamu UeleaMl a ow Pro" dw d" AT&T UNIVERSAL CARD PA. Box 152544 COLUMBUS, ON 43218.2544 ?a ss. i' i s ? 0 >?a m ?N r o o? v o? V Y V ? C pp N Y zuaz <g 1 Y'om' a? O O C w t? L o ? a7 N a A 1- F ' p a ¦ ? ? g o s {7 m G N N t r? ? 1 in N ? s M g X15 ry Sol fill, u M N t ?yg t s? C 10 in O N p 40 40 ofa N'N ?± M 0 ' ? ry < s m-mo mmobbrAT&TUNW*rxWCard _0431 0051756 2247030 0063400 1417 Trial MW sm* ea SRLt I&n MINk" m Amami Ow swig Pfd Dw Ddw ONttt/20" 000000 PM 0010 ERIC T MOROAN SUZANNE L MOROAN 305 VADDERS DR M£CHANICSB11R0 PA 11095.4745 C. i 0431 Asamt Sloelo?? ied?un.?ur AT&T UNIVERSAL CARP P-(L box ton" COLUMM& ON 432W2564 H a yuy! `S all I Tr- '>g P 7 q 3 g R ?9Cm C •;s Y ox .0 5.90 L L r ? ;?Ys Y L t J? ? L 7 O C 'p'Lp5 ds:o >? 1s 1- 1.21 > 1 Y N O zv? ?: ?? m1???1 ;114, 1 -4 t ? ??. >J ca ?? e$ i A Z? If v N ?qY o? 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N ti N x` edam y$1T °a 40 12 c ? w +?+.+w a.a r ow.r.r ?.r? www rw?rr.•'..... ¦+r+mom- i=AUT UnlvorW Card 1431 0065576 2402147 0062500 1418 TOW Nm BaWcr. •.? _... _. su,OnAl r 0431 MIMMUM AMOUR DW AMaW Erafow* W&TO ParnM t DW DrtM OaA4jS000 ? ?? ~M w ? w io aitl u. w ww 000000 PM 00 7 0 ERIC T MORGA14 SUZANNE L MORGAN 303 VADDERS DR AT&T UNIVERSAL CARD MECNAN1CSaURGPA 170Si743 P 0. BOX 102364 COLUMBUS, ON4UW2364 e? x?- a s? i 3 = a o? wS a # s Rw E? s ? 4 o a u w ss ?a ? ? ? 3? as s? a?a N sQ qQ ?? O O a ?sX ji 392 1 y1 J_ Pte' ?$ uTi? ? ?. O1J- Y px . s°o A? Y=Ys oVy Ca G7 a71C W?. O Y AOC V'1 9 ;a Y >?p 1 ? N< ?1N O? OS?v? ? N s?? ?? -O V c9 Os ? s? YY? aVT? ? a i ? m???? ? W a ?g o c ° ?C VB8pp ?QyO C Its 8 I?? Y V w ON TY . Wfi y? o ?Iq pH a N N St ao _ O W I- r O f ia1 u g N M i A 20d N S ? t t O a? O? N b , M? N Yl M ti ~ i r.. "ssias o o N x8? 10 3 N ie c -? Z?B.°aV , C) 40 4A ?' a+ ?"? or+ a«a s OAr r/1N?? ?y? Syr r1w.w r•••••. pwamo.AT&T Unlvaraal Cara iO431 0064313 2436822 QQ655Q0 1412 Tom Now sawm 1124.34a m MIPJf Mm A=mt Due $"Lts Paym m out Oats 000000 PM 00 A 0 ERIC T MORGAN SUZANNEL MORGAN Mud W DERS OR ECNANICSBURG PA 17035.9743 . 0431 A=wM EAabaa6: A I 3 Y a h >i II y? i AT&T UNIVERSAL CARD P.O. BOX 162364 COLUMBUS, ON 43218-2364 ?i k H6 ?a i V1 Y • ? o i p N g? • M V o SC z or a J ? ? G Y r s , ? y oo F 777 s o il a 01 o ? N s d a < J V .1 1" Ra a N ? f OM N a xW = H N t W M t ?cc ry t N as a 4 II s N s ? t e ? O w O w O f N ? N ~ N 7 ? O r 1!1 N N N > ? ? Q yy Q C py a _, q 0 N m m $$ O t RH ri < r gv 3 O r Co 4* N 40 FH 0 _, 3u?5 3 °""W .m.ew d.Y• M1r1W laftr Iwwwl ?Mrwww 01--mvews.AT&T Unjvwsal Card ;0431 0081269 24SA677 0064400 3413 TOW Nw Be&-" **4`BB/ 7r Minim= Amount Due >1Na.M ' ftll --I DW DaW 000000 PM 00 A 0 ERIC T MOROAN SUZANNE L MOROAN 305 WIWERS on MECMANICSSUROPA 170534743 X: _J 0431 A?wit Enehw` AT&T UNIVERSAL CARD P.O. BOX 112564 COLUMBUS, ON 4321&2564 9 E a n i E Y ryO V s? o N i <i i ?o pN ?' N 3 A O 3_ 11 .32 f ! r? y 7 o J? ?=sF 121 & d 818 n ? d ?? a d 3 y < Y? a N N I 3? °N °ur =i 4NN a ' J z u t W h N a r .w ? V .fir f \ !.f' s ?g ?? S8 s is d a 9 d d v u s 00 0- e? ° 0 0 e O ? ? O ? w 7 N N ? ?w 0?'d i s w "s e?h o?Y s?M o+? eras pMy wY ? ?rw>t ?+rrwr w..r -- w.r...AT&T Unhruial Cud 0431 0071168 1772276 0750000 1415 Nw Balance STr.ULTA Minlauan Pay nt Due $TK" Parnant Due Date "Irrim" r. '0431 ANWAdEsdaat ioai?tlnrwr ?ars?ie..? 000000 PM 00 A 0 ERIC T MORGAN SUZANNE L MORGAN AT&T UNIVERSAL CARD 309 WIDDERS OR P.O. BOII 152564 MECNANICSBURGPA 17059.9745 COLUMBUS, ON 432154564 5 W N ?x a ? S OWE ?3_ 7 a g>? ?8 • O J oat ca ? . a a IC` Cc"' j' ?.. N L g ,? vd?g n p s ss? • I O 'J< N ? d fig <1 ii vip g E a? AOm ?u S ?? ? O ?M ?? ? 7 d ? CN3 A S o?g oil irc° US 3.12 3.18 Aq .0 9. toll o? W N C ? 7 15- o ? ..r ? r•.ed f o so N N g o ? ? C N f n n a C ro i ii y4 r i > N in Ob «g ? 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OVIy2" 000000 PM 00 A 0 ERIC T MOROAM SUZANNEL MOROAN 305 MOOERS DR MECHANICS6UROPA nOSS-9745 C 10431 AN1WA* Eftb" wr..at am w r.aM1.? sr Sot Pr rd tn..i ar p?wa w ?, AT&T UNrHERSAL CARD PD. box 162564 COLummm off 4x211 -2564 I I N s? 8a Y t2 21 Joe? =s V Y C ? C I 1,-R 9'7 c??E guq SC a o a e•a Ato t W S.Y o ° PR , e W ?? Ilia "To 4_; y }V M?> t?M? ?°•' L Yi11 CP tv la. V a Sopc? °4ix YQ? -I ,o}v? x;>n. coal='°' RUM V?G ` L a u°?$ i t N 2 o„ o 1 Z W ? ? ~ J ?s Nyy O Op rr w ? E ? LLLO 4 Sol fq a ...W a-. Pam tlrel. DM......... ?,...?hrtNlW. --so Pw.re-AT&T Unimsal card ..__0431 0064264 1837708 0064000 1414 Nw satlaNa- =1a MAS MlNmm Pgntrnt Owa •a4L" P.rmmt Ow DOW OWWWWIO 000000 PM 00 A 0 ERIC T MORGAN SUZANNE L MORGAN 305 MOMS DR MECNANICSaURG PA 17055-9745 r. '471 ARM" Eneie..? ?wa.r nw4 anc.aaigs,oo w teal t.. w ar 1.1ar1.w 4Ma AT&T UNIVERSAL CARO POA sOx 1!2564 COLYMSUS, ON 43219-2364 o D L4 a g wt T? of O g 9L O d N qq 9q' t? O O ?s? d d • V t t =C ;Y; C L w ? c ? O V ? 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QQ E IN E a ? ..fit M ? `? o > M m a a 6 V O S L t < F -A gu 4 Ms 888j= 8 8§131 A 9 51 cut d Q ` 7N?1 e ? w J "a "a 2 X's i ja $ ' Sul Ilia ? la .2 ?i???ta 0 ?2 3.3 i S dmi pW ¦w.0opm d1.µ• Mook"d rr. r?r+.?wrwr..??wwm ins ¦+.w rwwrAT&T UMvmai Cwd 10431 0075734 2223311 0074000 1406 Now Balaaee =t1XM" r. 041 Mlalmwo Parrad am AfaeeR tndowt: •M44 Pa~ Dw Date raa?anl. amour o.? d~w d?.e.~ 000000 PM 00 A 0 ERIC T MORGAN SUZANNE L MORGAN AT&T UNIVERSAL CARD 305 INIODERS DR PA. SO% 1825" MECNANICSBURG PA tTO53-9743 COLUMBUS, ON 432W25" G m n' ? E CO ? N C W ??? 8 " G 111 Q ? N M q C m C .t 44 O E m ? M m 41 0 or z N? cL 4 0 m- m ? .t . 3 ag $ m oc m _ ?c- t o O g:3 ? 0 a c 3 m CO w tII ?? a a s? $ d ?s 3 ?QQQQQQN S.. N t a S i Jt ? S F-? y Y f ? 4 p; C S° $9E a OR ° a 3 y g `e' ?aAC 8 E ?? ON f ~ J O a ry x ?? O A Z1 GiA-? r co m N a O ? J z r u t W H < C n Ip i 'a oA L u O E o .. 3 E ?g g? F 88 X828. ?NN d g g Aye t N ? 4 ? 1~V - r i J r C 'Li sot J > s ?w I u..u 11 a a> BAR ? 's 2 ;J;8 : 5 I I A s ar prt -..-r w Cre. Gtr W Irt- /AWf IWwomm - nwrw rr?t...twomovAT&T UnWenW Card onwobsookElaw 0431 0077646 2307416 0075700 1401 N.w 9awn m r. S2w4.N ._.__0431 MInMwm Palnn.M Dug ANowd Lnhs..! $rr4L" P V optt Dw Ddm OTAWROOD ee . nI '.,wsmw 000000 PM 00 A 0 ERIC T MOROAN SUZANNE L MOROAN AT&T UNIVERSAL CARD 3051MDOERS OR PAL BOX 1125" MECHAMICSBURGPA T7055-W43 COLUMBUS, OH 4X211.25" N to r Ra ?•2 ? r d o x 1 <r s3? i ? a I K Q cc cr. » u W u y2 y s O W RR? ` 3 s ? ? a a? 911 z F o t N -ell a f ? O p F r s p C s e. s Y ? C ? N Ifl F r S NN ? 4 a n m N , 1.0 $ 1 x x ? ? i <?? d ?? e a a N m y? W Y N Q y O ? g ? W b o ? ? M oco E a e O 30> V C OC V i $? a s 0 3Z s F 92 g d" o? aN W a F` J w rr?fi' O y 7' O Q8p Vv a 3 W z H U N <W in i 3; °s sN ?d s C t e t .i 9 Aa d O a O r ? cr, S r ?? sr 0?8 g $$o 21 O • N M S ? w G C J ' _ 1? u? S y O w ? C G ? ? ? C m? + u Ed+u a'@@@ S a O i' ? ? t ? ? chi < < ` E ? faf? ° + a -? eta Ills owl H a = . 1,11;01 a 0 d,wPW mm.M W CW*v Ow.r r/ IWw/.p." msbom.rrw°r Rmmlbmmmmmt? m-md" "w *.AT&T UnIVMW Card 3431 0085981 2362166 0077800 1402 Now Bdancm r MiNn"m promm Due Amami Enelawm >Te"m Pav 0 0aaOats offmvwt0 ? w"w?ai o w 000000 PM 00 A 0 ERIC T MORGAN SUZANNE L MORGAN AT&T UNIVERSAL CARD 305 WMDERS DR PA. BOX 152564 MECNANICSBUROPA 11035.9T49 COLUMBUS, 0N432W23" ? z ?o C > s? 4of a n ?j jll? d i ?? d d 11 w a 8 °a o 0 y 5 SS r E V N W ? g W a w n x? .. o W N t O t s$ s a p cis m 8 g ?Id • ? ? Ad N . ? J T J J 4& Cis Lill. ? pll Ai lit III 3. I ;v E'p ads E $ 1811 _ d a to N OW /d/P/. dud/ /d/O uy MiUd rr)/uo IM/dlm ? 1//d1A r+.w..romb-AUT Unlvaraal Card 2431 0082271 23S8824 0085900 1400 Nw adwrce oa7.ses" MISIMM PWNRI Due smar! PNYWMd Dlu Daft 000000 PM 00 A 0 ERIC T MORGAN SUL;NE L MORGAN 305 MOMS OR MECHAMICSaURG PA 17055.9745 AT&T UNIVERSAL CARO PA.1m3ox 20a1 COLUM BUS, OH 43218.2564 0431 A=wl/! s i r > o o ss S s,g ^ WW ???E Jill! In ° 0 2 ~ ' C ?1 I` o J Y W a LS si S ? o 0 0 g C ? W qr a w 3 a E ?gQ. r ? jJ ?y? ? jrrC 1? 34ul In s? T. 81 g t d Q S 4S 3'7!i' gp? <p Va a ASS a_ as ?? 3 a's 22 23.9 V» I>?? VN ?? go A..77 dc .2 °s ?N 41ig < 4 b a a 0 a $ =arm N a A U i c a ?ResW if ill a - 'sit's A b a ° me] aaaasa S c YC ? r .ss a i s N S •+•w iw,O.M a.d, ,rw ?m iwrr ?rrwrn.? wwir w..w owrw.memAT&T URbarad Cara kmwAKAAM __0431 0066122 2358689 0062200 1406 Nw Balanpn _ MInkmm Parnwnt Dan: 0471 Amovat rodowl, $94um P+rm,nt Ow omw WIN/== 2,.rT-b = I m- 000000 PM 00 A 0 ERIC T MORGAN SUZANME L MORGAN 305 WMOERS OR AT&T UNIVERSAL CARD MECHANICSBURGPA 170559T4S A. BOX 182564 P .O. ON432W266I 0 z V `a i 3 ° N aaY?? i is $ 8, 6 N N u s ° Im e ?? o 12 ? E E 3 s? Y j ?y ie18 a3 81, s d 5 3" I.- ?r iiN J'?QQpQ{ W x t8(4 °s n <ry . s E r4 V- CL V <o o a] E Y S? offi ?N r G ? J M s } to at s tf 3 n V b 4 K H °s 8 w wr .?e.e Pri a.e • 41tl W 1?6. AprM rYUwllr ° rs"wAm ommewATST Unlvomal CId 0431 0062556 2377183 0066200 1403 Now Bahaw $Mrrt= i otal Mlatmum prom m Dw; ?q? mtloaa? $825AG Pay W- ow Data: 000000 PM 00 A 0 ERIC T MORGAN BUZANNE L MORGAN AT&T UNIVERSAL CARO 305 MOMS OR P.O. BOX 025" MECNANICSaURGPA 170554745 COLUM&M OM432W2S64 s o JXt w 1q N ? C O Z1 1SN S r 17 t s 7m' 6 s Y a 118 1d QR QR t? O O a d N a S o a 504 y ? N fi s ? s s g s « e? inrt? goy m Cu ill u FI i.9 a _s E h r ? s u? < ?E x 89 41 s ? S? S J 8 $ n ~ I ? ? N t? i N O c a Aga I I o.ar w err ^wr w..uu.r /war IM°Ambo°duuLO' Universal Card 0431 0081346 2383003 0082s00 1403 mm Balance stAaa6 os Mlnlnwm P41W tell Due sm" PaInwet Dua Date 1?/N/wo 000006 PM 00 A 0 ERIC T MORGAN SUZANNE 1 MoRom 305 POWERS DR MECHANICSBURG PA 17004745 mm Amount Eadege rrr.r ? w nalr.? q soo Pa Mal a? r pr iupr?f ?. Ala AT&T UNIVERSAL CARD PA.90X 162W COLUMW& 0" 43ZWZU4 a n' 'a °s a } r P Ui ? w s? a wf h $ c a 3 $? a e a1 11 1 ci a d a 0= >y yNy G Opp C u N a= ;acs ?yy T (? tl ?y -°s a q c o? I s $ o a o S O `^ iF U I o S N G 3 ? W N « !2 E 3 r Y H N O ¦ w '8181 I:« N V O? Oc, NJQ +x s ? = E V d4A %n ? 4 $ 3 a? V W p < N a J OTC O O, n tt ' f paan < N d Z _ u ?j 31 -_ g III. N s aa` 1t ' 10y ' Ills A 131 _ IrA W a' a o 2a 11121 s _ WenWPW o.e.r mod ka.. rw..rw.r..ur.en genge. w•+w..r.r.wAT&T Universal Cud 0431 0087007 2377441 0081300 1405 Nm 8alamw iZX774 1- oast MlRkMm Paynwk Dual Aatwat ftd@=< $Wmw Pagm.nt Ow Dille OvWw" ?.aias.?:ur wre w 000000 PM o0 A 0 ERIC T MORGAN SUZANNE L MORGAN AT&T UNIVERSAL CARO 305 tM00ERS 04 PA. BOIL 1825" MECHANICSBURGPA 17055.9745 COLUMBUS, OH43218-25" s 3- ° d ? ?s a s r° IT8 . 3 s o? Sri fill d ? d _? g$ d d a 9e fi PV s Y O N • sQ N a a a rx _ d %n ! s ° IE Z E u 8 N p J -q5? C `` • • N O ? O ag5 c ? w Zi CA .. ? Y i u u'r ? a Its? a all IS . . ?y it-it a ? s •s ?D $? s s E b ig 3 Y N a.• iw r1a.e v.r a¦.. a° ++mrsout.AT&T Unlvaraal card 40431 0179330 2436232 0005000 1400 Nw Balnfeae 21.3a3,33 04lt MIMMUM Parnw* pine A EReleaa? !%793.!0 Palaanf Ow Ode 03/?t30f1 ?+.e..r •?..a..ws,oo rr i.or an,. a ar op¦.N r iw. 000000 PM 00 A 0 ERIC T MORO" WIDL L MORGAN 309 11ROOE AT&T UNIVERSAL CARD 305R! DR P.O. Box Nw" MECMANICSOUROPA 170-FS-"45 COLUMBUS, ON 432W29" a? Tx a ? s ?w ? O M 8 $.tr m ? ? ? Q J ! W mm 0 'u j>o d EWI S 0; ?? 8 g ?<> t?CC? y?o? 7 'Caw V ii RU <tt i. 3 90 T a Jill. t? fill dj? d a a g g r O O O Pg N N fi s ? Z S W LL Y! t I IN ?I ? 1 N < N O O Y o ? ? ; Ij 8 N N d ox a in _. in •? ? ? <s ? d ? s ?. ?? a o ? aljYy o ? n n 0 1-- R 5t .• 8 • ? o a • _a 31 BIRO I? ,15 1 JIN ni 2 N $$~ is s Sig fill 838 d1d i 1811 d d did ?? d d w w w-had-a eww.ATi&T UninrsW Card 0431 0328682 2448458 0005000 1407 NOW S"CK s:4.fa4?s Mlnimam P"Nt Dm S1.SSML" Paymmi Du. Date O>A71 won 000000 PM 00 A 0 ERIC T MOROAN SUZANNEL MOROAN 705 W DOERS DR MECNANICSOURO PA 17055•9T45 0431 Aamwd l>I1ela.at ?www. mewl to d ww.w Yp 6q0 X11 Ia .q.w?t W r. AT&T UNIVERSAL CARD P.O. BOX ta25" COLUMEM ON4321&25" ?p s 3 i ag 3 b r rys Y A V_ YC 79 3 C y M ? y y p Y p >Oy ?.0. Y O C L a ?"' _ YCY ?"Y ?gOL g_7 ? ? Y Q c ? 6~ < 0 ? ? C ? V ppC ? V <O • !8Q ny y ? Nr OC4 a O? • T O SO Q3 O i 0 11 ?? s °° Pe A p O • p a C p iiaia M N w ?i ? ¦ g ..C w w 7 ? ? C } li P i { f. Y N ai N? y F q ? p Y i? ? O ? p ? ?.'• O o? sN o y O toll O O O O? 9 _ jig K lia I o s C 00 J ? J Ail I lirH S ??g ??s 5 ! a N ?? J? K E n ig 9 4 Q -- •wfApw mw. 1°numb°°"Ramm r...-wv-mr+.ATAT Unhwsai Card 0431 0477532 2560083 0005000 1404 Now armK $lB,aOQ ii Min m661 Parnyl?t Dw1 D" Aar Ifto e $4.71!.71 m Pgrmmt Do DOW O411d/M wur riw~ 000000 PM 00 A 0 ERIC T MOROAN 303 SUZANNE L S DR 30S R7DDLRi AT&T U1r1VCRSAL CARD MECNANICSBUROPA iTOSS974S P.O. BOX 102564 COLUMBUS. ON 43210.2564 !?9 ii?! P C ? ?r M d CQCO,Ix G C ' • N C L v Y8 C O ? O goy si YO? ?Y ?E r ?a Y ? t ? 1 g 8 ? O 0 ?g 8 i fi Y gQ ? S a fi pQ? g s t r? C 0 0? G 'QcQ ?? O y ? pg C ?C 8? Y 0 N a N vc,,, at Uvv? ?%? thi*party-billed and called cell. Except for the 2 CUMV ry assistance lntluirtee per month provided with the Prepaid Service fuhhn of your Card, dkaclory aeaisfaftce rates ere f4her to 555 numbers than otter donaatic came. 3. Safeguard your Card and PraPaid Service featun. You are PrgPahd Sb for ? lose, theft or urauthorlted use of the 4. AT&T makes no warranty, express or lm regarding the corMon(e) or fitness of the services oils d for any particular, use or purpose. As permitted by low, the 11011y of AT&T shag be IlmIted to diced damages; for any personal or property Infory, and for all other claims to as amount I to tie, dose for fie affected ee 4u(s . Dt NO EVE WILL &U,, ITS EMPLOYEES. AGO OR ANY COOPERATING SERVICE PROVIDER( BE LIABLE FOR ANY PUNITIVE, SPE:fAL, N , R?LIMICE, INCIDENTAL OR CONSEQUENTIAL DAMAGES. 5. Yes and AT&T alms that on esodosive remedy for oil. dlpubs 0rfshm end of of a potable of phone mlowee- thraulh go PWW IiIMae Who of Your Gad, ssaapt for- eptters Yoe tab 10 smsu etsiaas eoart, Is ubffnu5n by an l 010t /01515010110 tp lams of the 4IT&T VXME it11LL NOT?DYAeJURYY OR w R. AND NAY NOT BE MAD= PART OF A CIA88 ACTION: This SMN ddap AN apply te Cdterats residents for dlp0bs. adding to access 6. Your PrePald Service maybe suspended or tererbrated wittaut w0ce N AT&T has Town to Suspect fraudulent use. Promotional phone mkwW provided WIMyyoDur Card an gmled to 30 adnutu per month, am nongmneebis and expln # nol used during that month. Purchased phone minutes are non-refundable, and do rat lm Call fhnes am billed In ore mkate Irlerenpfd$; p10r mkwtss used are ganged ae lug minutss. t your Cud accourd Is closed by you or the issuer, for uy N -11 4 the PnPald Service featun will no longer be available to )o0 esrapt for AM phone Mutes purred by you urdl sigh minutes an depleted: 7. Recharge ub may hove duteraaf terms and conditions, which gcp15gep 'ram Ina?tknand e without Modraw equtwhret olf Ogg U.$, mi &T Coomw n t" pp mslde on dos PrePski Service teahrn of your cad at any given lore. Recharge minute restriclfens nay dwW from dma to thne without notice. RwJmW rtdnule15 are not refundable. 8. tom ? MOW to your satlafactlar may be directed the ft promodonat phone nuts werro x ed the t i e prey phone mi10lrfas were purchased. 9. Service provided by AT&T; by AT¢,T Alescom in Alaska. O WN CWx"* (South Ddb, NJL rr.osrne rosoes oa?oe Ct/,,( ,e CARD AGREEMENT This Cud Agreement, which includes your card carder, _ Is your contract with us and governs the use of your card a Information, nd account The card carrier contains important account. the amount any men Including rs ip fannual ee. Please read ?and hem documents for your records. 'FACTS ABOUT RATES AND FEES For cwpleie k dornatlon about these facts, please as the related sections In this Card Agreement RATES- 7NANCE CHARGES' Perahasa and Cants Advance Alft See rail carrier. All APRs based on the LIBOR Raw may vary each billing peria Defanit APR, See card carder. The Default APR equals the LIBOR Rate On up to 26.9996, or up to 28.99%, whichever is rester Al APRs may aurorc at?iy Increase up to the DefaultAPuRr 9 yon tart to untie a payr ord to us w1w dap, horrors your me &' or nww a payment to us that is not Walmum Flonnce Cbuge: SOX TRANSACTION FEES--FINANCE CHARGE; Balepp Transfer Fee: 3% of each balance transfer, $5 mhmum, $75 mandmum. Parc6am Mmk to a Foreign Currency Fee: 3% of each purchase after its Mierslon Into U.S. dollars. Cash Advance Fos: 3% of each cash advance, $5 mindmurr OTHER $115A on balances up to $100; 529 on balances of $100 up to Mt. $39 on balances of $250 and over. D"Hh-Credit-Llee Fee: $39. Annual Maab15npdp Fee: See card carder. Returned Payment Fie: $39. Returned fwrrwaheace Check, For $39. Stop Payment oa Cornnoience Chock Fee: $39. Raba. fees, and tuns may c utnge: We may change the rates, fees, and terms of your accocurt at any time for any reason. These reasons may be based on dnfornstion In your an ereport such as due, your tags to magna payments to r creditor the number of credit accunts amm* outstanding, or tother umbbier c credit inquiries. These reasons may also Include competitive or market-related factors. I we make a change for any of these reasOM you will receive advance notice and a right tc opt out In accordance with appficable law. EXHIBIT [Ira I $+Rii aarx `wry -3.3= gg °r?m"A 94 9 ? S?5 1 1 91 ? ?? mP6191 °i Cei? u c? m$ ??o m Pig m w $?3 7°? 3 a+? ?? g? w,114- a l$ay ?$? ?g? ji it-'s Aga! a MIN Eggs 28 it I! I Id ON i H I 'L I I I C-< all IF LL 9L 0 =r MA S ggr I ur UP 141 SL Us m a all Is i IF. a; C 7 .'?' w pp?? w 1 N 06 ' Y1 * ?? a ??3 w o m' 41 as I ma 1 ? - ° g. u a gal ir? 20$ 1wU ?S. $ s$ C3 s g ig m Zak JV1 ?• .? ?a O ; s,s Elie ?:?01 I pqaD°a? 112 a m 4 a? SL 3 Lr 13. ',- ar as lea - E .? 09 w C4 ?r..w Oro Z7 go =r w' a a o??Qae i? 'is lag jX981611 2 CL 9 PWFL Y Immillls 3 ng ?. . If I ORS-1 HIM:$ s g,° a ?? lip , pYaRitn L j e a tea, fig-MANY 9 ir'S g a ?,t,$ s °O$ [f I I ': Yid CL"I EH1.1pa g$? Fix g a ?? l C a $ ? ma o .19 a - a It Ivir ? [Ilia a° a cy a n 3 ? HR a n 7 p ? ti 5n, =21 as 8 $ R KRzat Fig la A Ialc 2= 2S a ffi a r fil CD 03 r IlFL Q ti g ?A 3 ?m C106 rSCr IT aa? so's 0) ,rg o 11, n3 r r is ow ErEraff-wasirm S gaarm ° ?- 2 l e\? r 1Rir6- Er ag!o? mills • C Co 4Hit K11. a r ea ?_ . ...? a ao? a m Ills Ill; C, p2S ? ? ?s ^?• sir ?8 ? 0 30 all- Kim rw$a.w zr c°0 a ? a sa ?•'. a? ?? Rio = a a n Fig so m L-gAJ] atg v 15. =r i -Sm I = d ? KoaII I I ; v W.11 [as a-11 CL jr [Is i§11 rQ ?? 1~ . ?? ?a'? lag R ? i m PL IL r n anti aSri 111, ~ . ? g CD /1! in r 25 r . ? art;; lax LL ss 42 it H S awe x i? 9 i 91 J2 M1 W u i 9 ff $ a. g? a.= r 110- 12 10. SL ~ a $ N ? • aS r g? a Ere re ss g$ e =1 ar a IL ' la ?a ? or ?9 ?? ?11' 11-R9 ca awar ?- ? s g a vr a 3 r o 5A 8 ?ga• 8?? ,os a Jai ?ir ? s and f t r 9 uog8? IV e a _ m l' H! a -R. I SLIM ;q, m 3 a .8,9 a 11 8 ? st 40 ?a? my ? ?? r ???a ?• o? ? ???? X11-4 8 ?g Earl 57c, w =r Gr Sr I account during the billing period. Application of Paynaenfu We a and credits to low APR balances before, hher? That man Yo a to higher re sub APR ' d you make transadions ffun Pa ant laelrnpglerds am credited In accordance with the payment ns on the filling statemeft,' ou strum or a?irtpomatic dew dollars Mat is r? an a check a honor by a bank in the U.S. Do not send cub. We can accept lade or partial paymenh, and IraYrrmmsis Mat renect'pald In fur or other re serve Ondar sonm% without houut being our rights. We res the right curm7 d furndt?onh de???posit ravenon outside thwe do, we select tine u:unermcy conversion rate at our discretion and credit your account fin U.S. dclars after or were am costs incurred in pre n*g your paymoK may bill you separately for such costs. OPu R?aYrrMayP?e Servict: You may request to make Service. Each time you mauftb such a request you aagpgmee to pay us the amount sbowm In the Pay by Phone seem an the back of the trft ataternerrt Our represen}ailiYeS are trained to Who you this amount If you deride to use this optional pay by ne service. Credit Reporting! We may report kdomnaflon about your account to credit vides. L lW ate, missed payments, or report If You request cards On your acapr an e?ount ffor others, we may gun kftrinatbn in no names of those other people as well. We may also obtain fob" craft reports: on you (for ommple, when we review your aacoant for a credit line bmcreas4 U wish to-know whiotragencies we contacted. Write US It the Customer Servtoe address on the billing statement If you think we reported erroneous Information to a credit reporting agemy, write us at the Customer Service address on the billing statement We will promptly N we agree With you, we win eardr Croft agency to whkdm we reported and inquest axoneoftL If, altsr our investigation. we dIsWm yrjth y'au. we.wil tell you In to those agencies for Inclos?n In your horv i submit a statement Your craft report. Changes to this Agreement- We may firs Me mine, fees, and tams of this Agreement at nay thee for any reason. These ressonS- rnay be blood Oa fnkMW patyomn in your credit mpsrt, Such when ue aammounts owed to o NOW to anothbf. re eredf ri member of credit accounts aatshndin g, or the number Of credit inq crukf t. Tatehesedfsofo roatan: a Amy she include compoftlea or as tame include adding, rePkdo/raket-. rel of deleting tweets one n relating to yew account , and to tit now. @am, and adonmmad of the d"- and gbl*Wom you or we MSe relating to tills M. Will llamchanges am a a foe rah Orr minimuy@L m Hanorm It to Inman, wt Will nail you wrlthn notice at Ivi sys before tire. beginaft of the bi8lap period in whfeb the daage- lin Must no" emes offeoft B you de set agms to Me don?; you fah of gin a be writ l WOW 25 dop after on efheft- abaage and pap a the IoW balame, low at once er soft Me tents of tine an&-- unhae wa nNl otnnrbie, uara of tie eefd -NMI etlectNa rinds ?ql11219 ga st" be deemed Rq of tM crew tercet, ergo If 25 days have not opket . Default Y PAnkinurn Amount Dim ou defaot under this Agreement If you fag to pay the ft Pay by 2 Check Or SIM&Its W UOW019 that is Root honored or flat We must realm because t cannot be processed; pay by automate debit flat Is returned unpaid; file for ban- or or default under any other Card AgreemeM that you have with Ult. If you default, we nay dose your account and demand Immediate payment of the total baletrce, Relluaal of the Caul, Closed Accounts, and Related ProWslons Refosaf of the Card: We d0 not-guararaft and am not Win for transactions approval at in r& apA either We m On?A ftd iit L. own br you hmm safes Credit transactions that may be approved in one day. If we deduct unusual or suspk*a +ctivrh, WeSuspend your MR privileges until we can verify the PMUMwlud Cbargas; If you default, if the card is lost or or we change your account for any reason, we may suspend automatic charges with third party vendors, if p reaudorlaed charges am suspended, you am mspMWe for the third ing (Brea payment for such charges unto you contact party to ftsb to the automatic charges. Lost or Stolen Card:, Arxaad Numbers. or Convenlencs and $abures Tmdur Cbadt if any card, account number, or dude to lost or stolen or if you drink someone used or may use them without Permlaslorr, Call us at the Customer Service number on the billing SWOment or the number WtMftd by calling tog-frea or local Oheetory AssisFanca. to help to % o? wt o o? kh?ilon In writing invesligatiori. You must adet and to campy with our p rittly for us the charges that were C2 ommm H=^^? mm OR _om •J•- ?ws •=c ?? i?'i'?SoQ? Hr?s° o ''tr?w03? ? s" Mgt.' s S9 gaa °s? 9aQ Q N Pa.5 ? e:4? Ir -811 1- G 3: a 3 z1g.4 a - a 1 3 Rat Jilinn Elf! Y c?? $L ?Avi go ? 9- In 411115 Is C H PS A Ha g = g €?" c` ar 34 i m Usillpastj aa? fill 'C' 1I 9,0 EA1 C 111Z - HIM M l 2LI 0 r" teus RR ss MIR HI Imp 5.1 1', C', a tsar [fill c r 3? g ?? l log Ut 5 r `?? ° ?' spa IN, 111-3 s CiJ g a ri" '3 O 7 ? iT? v I CLENT 11 ? fie: r M .Z a -ill 11 2 !11 OR 0 rl RUN I a! -99NINSH f I It"Iffir,91 Penn IF 01 Full g7j] liar 9-11- 3:4- it ? I Bill it ~ ?0 ? °•i $ a, 'off s a ?+ r?9 II r a- o? '_ 3:d o g S'?° CL sr., 11 r 5 8 u lie a cog 0 g FY RRg Cr 1L mck FEW 1p MR irtfin a = MR m go SE ZIT is i3 m $ r $ ?. ag a m IM- H vo =r X. usi p OR .-r ms 33o BFifill ; St CR-aSffls-°- ?c1i aim =r OR • O 9 ••?c `r 492 u y as y? ELY E it HIS Ow ?a99'?a °EW q°° I fail" 2 a i ? s y a. 9% a; r 31 - 1 411 Nil W1 111a, ? i g-? m ? ? 3os? 9°S a? CL R 96-1 all null, WK a Ire H La ?a ? sum a$ gar rap 0 i psi W:p gad SL PAN= ?? m 9_6 114M ;-, Nil 21 E CL 2111MIKI jag hip 'AH of 2 e li s as W aL tj -, Q 1 C2 Iff '11 i 1 W fill t G a?am A 9 $ ?? 4111 Jill_ X11 all Iftl = I [fit raw, OL ? I m J ' a OL a a fern,?- piq 91- w gig 3oa N a?41 P2 0-0 -4 CL Ito 41 ' it a# n S a Aap n Ila, ac . it ISH S1 F iff- e°y if f 411 w c ae 141916W as Sam I is o ° r3 No i •'wg ?? o gQrQ aa?(afA X35 St 70 _ rsr m ?9r:,* a s ll. IN win 1 1?113? '" ?H its s25 56113 r?1` 3Y? ? a°ig 1 .413 0 C7 all L3 W ?• W 06j-L Verification 1 Sherri Smith am employed by Citibank, N.A. (hereafter Citibank), which is successor in interest to Citibank (South Dakota), N.A. This includes accounts previously owned by Citibank (South Dakota), N.A. which merged into Citibank in or about July 2011. I am authorized to make this verification on behalf of Citibank. The statements of facts set forth in the pleading are true and correct upon my information and belief and are made subject to the penalties of 18 Pa. C.S. Section 4904, relating to unsworn falsification to authorities. Signature ?f F THE PROTHOWAR 7 2012 JU1- -9 AM 9.41 CUMBERLAND COUNTY PENNSYLVANIA Burton Neil & Associates, P.C. By: Neil. Sarker, Esquire ID. NO. 203465 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff _ CITIBANK, N.A. IN THE COURT OF COMMON PLEAS Plaintiff V. : CUMBERLAND COUNTY, PENNSYLV : NO. 11-7838 CIVIL TERM ERIC T MORGAN Defendant : CIVIL ACTION - LAW Certificate of Service I, Neil Sarker, Esquire do hereby certify that I served a true and correct copy of the witl?i Amended Complaint on defendant's counsel, James Vincent Natale, Esquire at his address of record via first class mail, postage prepaid on the date set forth below. Date: Burton Neil & Associates By: Neil Sarker, squire Attorney for Plaintiff The law firm of Burton Neil & Associates is a debt collector. C-52715 FILED- OFFICE 4 t'? ?RoTFtONOTAM ?E2 jUt 25 P'1: 2 j? itiB E LA p COUNTY t` F IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CITIBANK, N.A. Plaintiff CIVIL ACTION - LAW V. NO. 11-7838 Civil Ten ERIC T. MORGAN Defendant ANSWER 1. Admitted. 2. Admitted. 3. Admitted. 4. Admitted in part and denied in part. Defendant admits that he applied for a Bank credit card, but after a reasonable investigation Defendant is without knowledge or information sufficient to form a belief as to the date that he applied for the credit card. 5. Denied. After a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to whether Universal Bank, N.A. merged into Citi (South Dakota), N.A. 6. Denied. After a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to whether Citibank (South Dakota), N.A merged i Citibank USA, N.A. 7. Admitted in part and denied in part. Defendant admits that he applied for a Uni Bank credit card, but after a reasonable investigation Defendant is without knowledge or information sufficient to form a belief as to the date that he applied for the credit card. In addition, Defendant admits receiving at least a few billing statements, but Defendant is wi knowledge of whether the billing statements accurately reported all of the transactions and payments made by the Defendant using the alleged account. 8. Denied. After a reasonable investigation Defendant is without knowledge or information sufficient to form a belief as to the truth of the averment. Defendant is without knowledge of whether Plaintiff maintains policies and procedures to ensure the accuracy of its records, whether those policies and procedures are actually enforced, and whether Plaintiff policies and procedures to ensure that its records are preserved. 9. Admitted in part and denied in part. Defendant admits receiving at least a few billi statements, but Defendant is without knowledge of whether the billing statements accurately reported all of the transactions and payments made by the Defendant using the alleged 10. Admitted in part and Denied in part. Defendant admits making payments on a Citibank account. However, Defendant denies that he was able to determine that the balance correct, because Defendant had no means to calculate the alleged balance of the debt to determine whether Plaintiff's calculation of the amount allegedly owed was in fact correct. 11. Admitted. 12. Denied. After a reasonable investigation Defendant is without knowledge or information sufficient to form a belief as to the payment due date of the last statement mailed the Plaintiff to the Defendant. 13. Denied. After a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to whether the use of the account was subject to ter and conditions of an original agreement, what terms and conditions applied to the alleged account, and whether the terms and conditions were subsequently amended by the Plaintiff. Defendant demands an offer of proof of a signed contract and a signed application. In additi, after a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to whether the amount stated in the billing statements is in fact owed by the Defendant, because Defendant is without knowledge of whether Plaintiff maintains policies procedures to ensure the accuracy of its records, and whether those policies and procedures actually enforced. 14. Admitted in part and denied in part. Defendant admits refusing to pay the amount, but Defendant denies that the aforesaid amount is owed by Defendant to Plaintiff. COUNTI 15. Admitted. 16. Denied. After a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to what terms and conditions applied to the alleged account, and whether the terms and conditions were subsequently amended by the Plaintiff. addition, after a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to whether the amount stated in the billing statements is in fact owed by the Defendant, because Defendant is without knowledge of whether Plaintiff maint, policies and procedures to ensure the accuracy of its records, and whether those policies and procedures are actually enforced. 17. Denied. After a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to whether the Agreement attached to Plaintiff's Complaint as Exhibit "B" applied to Defendant's account, and whether said Agreement was subsequently Amended. The Agreement is unsigned and does not indicate that the Defendant agreed to be bound by its terms and conditions. In addition, Plaintiff pleads that Defendant opened the alleged account with Universal Bank, N.A in 1991, but the agreement names Citibank (South Dakota), N.A. and has a copyright of 2006. 18. Denied. After a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to whether the use of the account was subject to tern and conditions of an original agreement, what terms and conditions applied to the alleged account, and whether the terms and conditions were subsequently amended by the Plaintiff. Defendant demands an offer of proof of a signed contract, a signed application, and a copy of amendments to the alleged original agreement. 19. Denied. After a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to what terms and conditions applied to the alleged account, and whether the terms and conditions were subsequently amended by the Plaintiff. Defendant demands an offer of proof of a signed contract and a signed application. In addition after a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to whether the amount stated in the billing statements is in fact owed by the Defendant, because Defendant is without knowledge of whether Plaintiff maintains policies an procedures to ensure the accuracy of its records, and whether those policies and procedures are actually enforced. WHEREFORE, Defendant respectfully requests that judgment be entered for it on Plaintiff's claims and the same dismissed with prejudice. COUNT II 20. Admitted. 21. Denied. Defendant is without knowledge or information sufficient to form a belief to whether Plaintiff accurately maintained a record of the alleged account, because Defendant without knowledge of whether Plaintiff maintains policies and procedures to ensure the of its records, and whether those policies and procedures are actually enforced. 22. Admitted in part and denied in part. Defendant admits receiving at least a few bill statements, but Defendant is without knowledge of whether the billing statements accurately reported all of the transactions and payments made by the Defendant using the alleged 23. Denied. Defendant denies that the amount stated in the alleged billing statements constitute an account stated, because Defendant had no means to calculate the alleged balance the debt. 24. Denied. Defendant denies that the amount stated in the alleged billing statements constitute an account stated, because Defendant had no means to calculate the alleged balance the debt. Defendant requires an offer of proof of a signed contract, and an offer of proof of a signed application for the credit card. In addition, Defendant demands an accounting to establish the said balance. WHEREFORE, Defendant respectfully requests that judgment be entered for it on Plaintiff's claims and the same dismissed with prejudice. Respectfully submitted, ames vihcent f 'A ID #208790 Harold Shepley & Assoc., LLC 209 West Patriot St. Somerset, PA 15501 Tel: (814) 444-0500 Fax: (814) 445-3976 Attorney for Defendant VERIFICATION JAMES VINCENT NATALE, ESQUIRE, hereby state that I am the attorney for the Defendant in this action and verify that the statements made in the forgoing pleading are true correct to the best of our knowledge, information and belief. The undersigned understand that the statements herein are made subject to the penalties of Pa. C.S.A. Section 4904 relating to unsworn falsification to authorities. K 18 Zoies Vincent Natale, Esq. mey for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CITIBANK, N.A. Plaintiff CIVIL ACTION - LAW V. NO. 11-7838 Civil Ten ERIC T. MORGAN : Defendant CERTIFICATE OF SERVICE I served this Answer, Verification, and Defendant's Discovery Requests by U.S. Mail, postage prepaid, at 1060 Andrew Drive, Suite 170, West Chester, PA 19380 on Neil Sarker, Esq., the attorney for the Plaintiff, Citibank, N.A., on July 23, 2012. I declare under penalty of perjury that this information is true. Date: Server's Signature Printed Name and Harold Shepley & Assoc., LLC 209 West Patriot St. Somerset, PA 15501 Server's Address 4 ii a - l trV A[7 fWilJviTl? rt IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVWA.1. 2 5 F il, 1' 4 2 CITIBANK, N.A. -'Jf,?,?-,ELL ND COUNTY Plaintiff CIVIL ACTION - LAW t 4' 5 Y L`1 N I V. NO. 11-7838 Civil Ten ERIC T. MORGAN Defendant DEFENDANT'S REQUEST FOR ADMISSIONS Defendant demands that Plaintiff answers and respond to the following Request for Admissions Pa. Rules of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are that: 1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made. 2. If you do not admit each of such statements, you must specifically deny each one not admitted or set fort in detail the reasons why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for tl Defendant within thirty (30) days after delivery hereof. 4. If you fail or refuse to admit the truth of any such statement of fact and the Defendant thereafter proves t: truth thereof, you may be required to pay the reasonable expenses incurred in making such proof, including attorneys' fees, witness expenses, etc. 5. If, no response to any of the following statements of fact, it is your position that the statement is true in p or as to some items, but not true in full or as to all items, then answer separately as to each part or item. 6. If you have been sued in more than one capacity or if your answers would be different if answered in any different capacity, such as partner, agent, corporate officer or director or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. In these Requests for Admissions: A. The word "person(s)" means all entities, and, without limiting the generality of the foregoing, includes natural persons, joint owners, associations, companies, partnerships, joint ventures, trusts, and estates; B. The word "document(s)" means all written, printed, recorded, graphic, or photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any manner to the subject matter indicated; to C. The words "identity", "identify" "identification" when used with respect to a person(s) means to state full name and present or last known address and business address of such "person(s) and, if an actual person, his present or last known job title, and the name and address of his present or last know employers; D. The words "identity", "identify" "identification" when used with respect to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the name(s) of the addressee or addressees if any and the name(s) and address(es) of each 12erso who have possessio, custody, and control of said document(s). If any such document was, but is no longer in your possession, custody or control, or in existence, state the date and manner of its disposition; and E. The word "identify", when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means to (1) describe the substance of the event or events constituting such an act, and to state the date when such act occurred; (2) identify each and every 12erson(s participating in such an act; (3) identify all other person(s) (if any) present when such act occurred; (4) state whet er any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identify the person(s) presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. 9. These requests are of a continuous nature. 1. The document attached as Exhibit A to Plaintiff's Second Amended Complaint, which is entitled Notice of Change in Terms, Right to Opt Out and Information Update, is not the original agreement that applied to the account? Admitted Denied If the Answer to this Request for Admission is denied, then please provide a brief explanation of the denial. 2. The document attached as Exhibit A to Plaintiff's Second Amended Complaint, which is entitled Notice of Change in Terms, Right to Opt Out and Information Update, does not provide all of the terms and conditions that applied to the account. Admitted Denied If the Answer to this Request for Admission is denied, then please provide a brief explanation of the denial. 3. Plaintiff does not have in its possession the original agreement for the alleged account. Admitted Denied If the Answer to this Request for Admission is denied, then please provide a brief explanation in support of the denial. 4. Plaintiff does not have in its possession a signed agreement for the account. Admitted Denied If the Answer to this Request for Admission is denied, then please provide a brief explanation in support of the denial. 5. Plaintiff does not have in its possession a signed application for the account. Admitted Denied If the Answer to this Request for Admission is denied, then please provide a brief explanation in support of the denial. 6. Plaintiff does not have in its possession a promissory note for the account. Admitted Denied If the Answer to this Request for Admission is denied, then please provide a brief explanation of the denial. Date: S 7 r '?' 3 -- 12- James V. Natale Attorney for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CITIBANK, N.A. : Plaintiff CIVIL ACTION - LAW V. ERIC T. MORGAN Defendant NO. 11-7838 Civil Ten Defendant(s)'s First Request for Production of Documents Directed to Plaintiffs Pursuant to P.R.C.P. 4009, as amended, Defendant requests that Plaintiff produce for inspection and copying the following designated documents which are or could be in their possession, custody, or control and se the requested documents upon counsel for the Defendant within thirty (30) days from the date of service thereof. This request for production of documents is continuing and demand is hereby made to amend or supplement the request as is required by the Pennsylvania Rules of Civil Procedure. Requested Documents: 1. A complete copy of the alleged original contract pertaining to the alleged account. Response: ?. A complete copy of all Amendments to the alleged original contract? Response: 3. A complete copy of the alleged application for the alleged credit card. Response: 4. Any and all billing statements of the alleged account. Response: 5. Please produce the general ledger statement showing the full accounting of the alleged account. Response: 6. Please furnish the promissory note for the alleged account, if there is no promissory note, please identify the document that verifies the alleged debt. Response: 7. All notes, documents, or other writings that in any way relate to the alleged account. Response: 8. All notes, documents, or records regarding the Defendant(s). Response: 9. Documents signed by the Defendant(s) creating an obligation regarding the alleged account. Response: 10. Documents containing Defendant's personal identification, such as social security number. Response: 11. Any and all notes made by Plaintiff's employees, officers, supervisors, and/or agents in any way to the alleged account. Response: 12. Any and all receipts indicating Defendant's alleged use of account. Response: 13. Please provide any documentation indicating that the Plaintiff is the proper party to bring this complaint. Response: 14. Please provide the payment instrument(s) used to make the last payment on the alleged account, as a copy of the voided check? Response: 15. Please provide the payment instrument used to make any payment on the alleged account? Response: 16. Please provide documentation showing that alleged payments were credited to the Defendant's account. Response: 17. Please provide any other information relating to the payments allegedly made by Defendant this account. Response: 18. Please provide any documentation concerning the chain of title of the alleged debt. Response: 19. Any and all documents indicating either that the alleged balance on the account is owed or not o the Plaintiff. Response: 20. Any and all documents indicating Defendant's alleged use of account. Response: Date: ,.3 - / ,rames V. Natale Attorney for Defendant by IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CITIBANK, N.A. Plaintiff CIVIL ACTION - LAW v NO. 11-7838 Civil Ten ERIC T. MORGAN Defendant Defendant's First Set of Interro atories to Plaintiff Defendant hereby serves these written interrogatories upon plaintiff who is to furnish written answers within thi (30) days after service of these interrogatories in accordance with the Pennsylvania Rules of Civil Procedure. Th answers shall be inserted in the space provided after each of the interrogatories; please attach additional pages if more space is needed for the answers. These interrogatories are continuing and demand is hereby made to amend or supplement the answers as is requ by the Pennsylvania Rules of Civil Procedure. If the answering party is a minor, a decedent's estate or an indivi who is incompetent or under legal disability to provide answers, the individual providing answers shall state his her name and the authority under which he or she is providing the answers. Full and complete answers to the interrogatories must be provided and signed by the party making the answers. 1. Does the document attached as Exhibit A to Plaintiff's Second Amended Complaint, whic entitled Notice of Change in Terms, Right to Opt Out and Information Update, contain al' the terms and conditions that applied to the alleged account? 2. Is the document attached as Exhibit A to Plaintiff's Complaint the original agreement for account or just merely an amendment to an agreement? 3. Pease provide the names and addresses of any and all parties that drafted, were consulted, in any way aided in the production of Plaintiff's Answers to: Defendant's First Set of Interrogatories to Plaintiff, Defendant's First Request for Production of Documents Direct to Plaintiff, and Defendant's Request for Admissions. Also, please state how the individu aided in the production of these Answers? 4. Did Plaintiff's legal counsel aid in the production of Plaintiff's Answer to: Defendant's Fi Set of Interrogatories to Plaintiff, Defendant's First Request for Production of Documents Directed to Plaintiff, and Defendant's Request for Admissions? 5. If the Answer to question 2 is "yes," what aid was provided by Plaintiff's legal counsel? 6. Please provide the alleged date of Plaintiff's alleged application for the alleged credit card? 7. Please state the means of communication by which Defendant(s) allegedly applied for the alleged credit card? 8. When was the date of last payment on the alleged account? 9. Please provide the amount of the last payment made on the alleged account? 10. Has Defendant's alleged account been charged off? 11. If the answer to the above question is "yes," please provide the date of the charge off? 12. Please provide the dates and times of the alleged use of the alleged credit card? B. Please list the dates of any alleged purchases using the alleged credit card, the items alle purchased, the alleged amount for each item, and the places where the alleged purchases made? 14. Please list the dates of any alleged cash advance and the amount allegedly received by the Defendant(s)? 15. Please explain the chain of title of the alleged account, providing all pertinent information f the account such as when and to whom it was sold, and when and to whom it was assigned` 16. Please identify by name and address all persons, corporations, associations, firms, or any other parties having an interest in the alleged account? 4 17. Please explain what investigation, if any, that Plaintiff conducted regarding the validity of account before the filing of the complaint at issue? 18. Please provide the telephone number, fax number, and e-mail address of Plaintiff's princ place of business? 19. Please provide the names, addresses, telephone numbers, fax numbers, and e-mail of Plaintiff's officers, directors, and supervisors? 20. Please list the names, addresses, telephone numbers, fax numbers, and e-mail addresses of each employee, officer, supervisor, and/or agent of Plaintiff that had any relation to the ca5 21. Please provide the name, addresses, telephone numbers, and e-mail addresses of each that Plaintiff may call at trial? 22. Please provide a brief summary of what each witness may testify to? Date: 2 - 2 J AF r i 00 James V. atale 10 Attorney for Defendant r' 6 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CITIBANK, N.A. Plaintiff CIVIL ACTION - LAW V. ERIC T. MORGAN Defendant NO. 11-7838 Civil Ten DEFENDANT'S REQUEST FOR ADMISSIONS ADDRESSED TO PLAINTIFF, SPECIFICALLY ADDRESSED TO SHERRI SMITH Defendant demands that Plaintiff answers and respond to the following Request for Admissions Pa. Rules of Civil Procedure 4014. that: You are requested to admit the truth of each of the statements of fact hereinafter stated. You are 1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made. 2. If you do not admit each of such statements, you must specifically deny each one not admitted or set fort] in detail the reasons why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for th Defendant within thirty (30) days after delivery hereof. 4. If you fail or refuse to admit the truth of any such statement of fact and the Defendant thereafter proves ti truth thereof, you may be required to pay the reasonable expenses incurred in making such proof, including attorneys' fees, witness expenses, etc. 5. If, no response to any of the following statements of fact, it is your position that the statement is true in p; or as to some items, but not true in full or as to all items, then answer separately as to each part or item. 6. If you have been sued in more than one capacity or if your answers would be different if answered in any different capacity, such as partner, agent, corporate officer or director or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. In these Requests for Admissions: A. The word "person(s)" means all entities, and, without limiting the generality of the foregoing, includes natural persons, joint owners, associations, companies, partnerships, joint ventures, trusts, and estates; B. The word "document(s)" means all written, printed, recorded, graphic, or photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any manner to the subject matter indicated; C. The words "identity", "identify", "identification" when used with respect to a person(s) means to state full name and present or last known address and business address of such " erson s and, if an actual person, his present or last known job title, and the name and address of his present or last know employers; D. The words "identity", "identify", "identification", when used with respect to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the name(s) of the addressee or addressees if any and the name(s) and address(es) of each person who have possession, custody, and control of said document(s). If any such document was, but is no longer in your possession, custody, or control, or in existence, state the date and manner of its disposition; and E. The word "identify", when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means to (1) describe the substance of the event or events constituting such an act, and to state the date when such act occurred; (2) identify each and every person participating in such an act; (3) identify all other person(s) (if any) present when such act occurred; (4) state wh( any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; (6) identify the person(s) presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of more fully described in the pleading in this case. These requests are of a continuous nature. 1. You failed to conduct a reasonable investigation into the validity of the alleged account before the Verification to the Complaint. Admitted Denied If the Answer to this Request for Admission is denied, then please provide a brief explanation of the denial. Date: ?-") 5 ^ /- James V. Natale Attorney for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CITIBANK, N.A. : Plaintiff CIVIL ACTION - LAW V. NO. 11-7838 Civil Ten ERIC T. MORGAN Defendant Defendant's First Set of Interrogatories Addressed to Plaintiff Specifically Addressed to Sherri Smith Defendant hereby serves these written interrogatories upon plaintiff who is to furnish written answers within thirt (30) days after service of these interrogatories in accordance with the Pennsylvania Rules of Civil Procedure. The answers shall be inserted in the space provided after each of the interrogatories; please attach additional pages if more space is needed for the answers. These interrogatories are continuing and demand is hereby made to amend or supplement the answers as is requ by the Pennsylvania Rules of Civil Procedure. If the answering party is a minor, a decedent's estate or an indivi who is incompetent or under legal disability to provide answers, the individual providing answers shall state his her name and the authority under which he or she is providing the answers. Full and complete answers to the interrogatories must be provided and signed by the party making the answers. 1. Please PRINT your full name? 2. Please state your employer? 3. Please provide your complete job title? 4. Do you have authority to verify accounts on behalf of Citibank, N.A.? 5. Please explain the process you go through in order to verify an account? 6. Please explain the training process you completed in order to perform your current job 7. Pease provide the names and addresses of any and all parties that drafted, were consulted, in any way aided in the production of the Answers to this document. Also, please state he the individual aided in the production of these Answers? 2 8. Did Plaintiff's legal counsel aid in the production of the Answer to this document? 9. If the Answer to question 7 is "yes," what aid was provided by Plaintiff's legal counsel? 10. Do you have immediate access to company files? 11. If the answer to interrogatory 9 is "yes," then how extensive is this access, for example do have access to all company files or only to certain files and how far does this access allow to go back into time? 12. Please explain all of your job duties and give a percentage of how much time in a day you spend performing those duties? 13. How many hours do you spend signing documents? 14. How many hours do you spend reviewing files? 15. What is your expectation within your job title, for example is there a quota you must meet? 16. How many documents do you sign a day? 4 17. Please provide your hourly wage? 18. What business entity provides for your hourly wage? 19. How long have you been at your present position? Date: -),- "7_) P-(0,2- -? James V. Natale Attorney for Defendant NO A h '013HAY-6 A1111: 32 CUMBERLAND C U f�TY PENNS YL VAN1A Burton Neil & Associates, P.C. By: Neil Sarker, Esquire ID. NO. 203465 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK, N.A. IN THE COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA V. NO. 1 1-7838 CIVIL TERM ERIC T MORGAN Defendant : CIVIL ACTION - LAW Praecipe to Satisfy Judgment To the Prothonotary: Mark the judgment Satisfied . Burton Neil & Associat , P.C. By: Neil Sarker, Esquire Attorney for Plaintiff This is an attempt to collect a debt, and any information obtained will be used for that purpose. This communication is from a debt collector. C-52715 /318 a� C� � 0 v _= a: �