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HomeMy WebLinkAbout11-9203 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor u? stiv c1 C9011brr,?ftt! ref . ..G '?+ THE PROTHONOTARY Z9 t DEC 22 PH 2: 30 CUMBERLAND COUNTY PENNSYLVANIA Citibank, NA Case Number vs. Dorothy L. Shipley 2011-9203 SHERIFF'S RETURN OF SERVICE 12/16/2011 08:53 PM - Ryan Burgett, Deputy Sheriff, who being duly sworn according to law, states that on December 16, 2011 at 2053 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Dorothy L. Shipley, by making known unto herself personally, at 43 Buttonwood Lane, Carlisle, Cumberland County, Pennsylvania 17015 its contents and at the same time handing to her personally the said true and correct copy of the same. I? '7 RYAN BURGETT, D SHERIFF COST: $34.00 December 19, 2011 SO ANSWERS, RON R ANDERSON, SHERIFF Gcur:ry ne ? e. .,,I [z 7- IN THE COURT OF COMMON PLEAS FtLEQ-OFFICE CUMBERLAND COUNTY, PENNSYLVANIA OF THE PROTHONOTARY Dorothy L Shipley 43 Buttonwood Lane Carlisle, PA 17015 Defendant V. Citibank, NA 2411 DEC 27 An 10: 25 CUMBERLAND COUNTY No. 11-9203 CIVIL TERM Plaintiff CIVIL ACTION - LAW ANSWER TO COMPLAINT-NOTICE AND NOW, this 21 s` December, 2011, come Defendant and Answer Plaintiff's Complaint as follows: I . No response is required. 2. Admitted. 3. No response is required. 4. Admitted. 5. No response is required. 6. No response is required. 7-11. Defendant retained the services of the Arnold Law Offices, Ph. #888-790-2445, Contact-Jon Simon, Data Processing, PO Box 811062, Boca, Raton, FL 33481 for Debt Relief Services before April 1, 2011. This account number ending in 8846 was included in the agreement with the Arnold Law Offices. Sears and Citibank were sent a cease and desist letter on April 1, 2011; copy enclosed, EXHIBIT 1. Sears and Citibank were notified of the Attorney's address and contact information shortly after April 1, 2011 by the defendant. Due to serious health problems brought on by family crises, defendant has had financial problems since February 2011. Defendant does not have sufficient funds to pay the full amount of disputed debt, if any. WHEREFORE, Defendant, Dorothy L. Shipley, respectfully requests that this Court dismisses the present action and turn this matter over to the Debt Relief Attorney listed above for further processing and enter judgment in her favor. Defendant CC: Burton Neil & Associates, PC By: Yale D. Weinstein, Esq. ID No. 89678 1060 Andrew Dr., Ste. 170 West Chester, PA 19380 (610) 696-2120 Attorney for the Plaintiff Citibank, NA 701 East 60th St. N Sioux Falls, SD 57117 Plaintiff April 1 2011 Sears Charge Plus and Mastercard Citibank PO B 6921 Thelakes, NV 88901-6921 Re: 5049941585322677 & 5121072005578846 Debt Collector: Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist telephone communication with me, as well as my family and friends, in relation to this and all other alleged debts you are attempting to collect from me. Any further communication may be done via mail to my home address. I am working on resolving this matter myself, and your calls are of no benefit to anyone. I will contact you when I have a solution. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the Pennsylvania Attorney General's office. Civil and criminal claims will be pursued. Sincerely, r Dorothy Shipley 43 Buttonwood Lane Carlisle, Pa 17015 ?xhi b?? i RERLANID COWIT' Burton Neil & Associates, P.C. By: Brit J. Suttell, Esquire ID. NO. 204140 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. DOROTHY L SHIPLEY : CUMBERLAND COUNTY, PENNSYLVANIA NO. 11-9203 Defendant : CIVIL ACTION - LAW Entry of Appearance To the Prothonotary: Kindly enter my appearance on behalf of plaintiff, CITIBANK, N.A., in connection with the above matter. Burton Neil & Associates, P.C. By: - `? Bri . Suttell, Esquire Attorney for Plaintiff The law firm of Burton Neil & Associates is a debt collector. C-55363 LA r, U W Burton Neil & Associates, P.C. By: Brit J. Suttell, Esquire ID. NO. 204140 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK, N.A. Plaintiff V. DOROTHY L SHIPLEY Defendant IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : NO. 11-9203 CIVIL ACTION - LAW Certificate of Service I, Brit J. Suttell, Esquire do hereby certify that I served a true and correct copy of the within Summary Judgment Motion, Brief in Support, Proposed Order, Argument Praecipe & Certificate of Service on pro se defendant, Dorothy L Shipley at her address of record via first class mail, postage prepaid on the date set forth below. Date: (4 G Burton Neil & ociates, P.C. By: rit J. uttell, Esquire Attorney for Plaintiff The law firm of Burton Neil & Associates is a debt collector. C-55363 BURTON NEIL & ASSOCIATES, P.C. Brit J. Suttell, Esquire, Id. no. 204140 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK, N.A. Plaintiff V. DOROTHY L. SHIPLEY : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : NO. 11-9203 Defendant : CIVIL ACTION - LAW Plaintiff s Summary Judgment Motion Now comes plaintiff, Citibank, N.A., by and through its undersigned attorneys of record, Burton Neil & Associates, P.C., and hereby moves under Pa. R. C. P. 1035.2 for summary judgment for it and against defendant, Dorothy L. Shipley, in the sum of $7,665.14, plus the costs of this action, and, in support thereof, avers as follows: 1. The pleadings, consisting of the complaint and answer, are closed. 2. Plaintiff served defendant with requests for admission which defendant answered. True and correct copies of the requests for admission and defendant's answers thereto are attached hereto, incorporated herein and marked Exhibits A and B, respectively. 3. There is no genuine issue of material fact which will require a trial. Therefore, • • plaintiff is entitled to summary judgment. Wherefore, plaintiff, Citibank, N.A., moves the Court to enter summary judgment pursuant to Pa. R. C. P. 1035.2 for it and against defendant, Dorothy L. Shipley, in the sum of $7,665.14, plus the costs of this action. Burton Nem Associates, P.C. By Brit J Suttell, Esquire Attorney for Plaintiff In making this communication, we advise our firm is a debt collector. • 0 Burton Neil LAW OFFICES Edward J. O'Brien BURTON NEEL & ASSOCIATES, P.C. Yale D. Weinstein Derek C. Blasker 1060 ANDREW DRIVE, SUITE 170 Brit J. suttell WEST CHESTER, PENNSYLVANIA 19380 Neil Sarker 610-696-2I20 Trenton A. Farmer Facsimile 610-696-4111 Email: Burton.neil@burt-law.com April 9, 2012 Dorothy L Shipley 43 Buttonwood Lane Carlisle PA 17015-7803 avi Refer to File # C-55363 RE: Citibank, N.A. Successor in interest to Citibank (South Dakota), N.A./SEARS GOLD MASTERCARD Account with Dorothy L Shipley Account number ending in 8846 Dear Ms. Shipley: I herewith serve upon you plaintiffs First Set of and Request for Production of Documents. ery Y YDW/amc NOTE: Citibank (South Dakota), N.A. merged into approved by the Off to the account. .m In making this comr '[rr m A co ?A ti 10 C3 to C3 Admission, Interrogatories N.A., effective July 1, 2011, as is successor in interest p ?cr............ w --. O M Total P~ i Fe" $ C3 Niiaw* loc. r O?Cr,P?"OBBM `fNr0._ w ......_......... __ ......r... _ .. - EXHIBIT_ • Burton Neil & Associates, P.C. By: Yale D. Weinstein, Esquire 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff ID. NO.89678 CITiBANK, N.A. Plaintiff V. DOROTHY L SHIPLEY Defendant • : IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 11-9203 CIVIL ACTION - LAW Plaintiffs Requests for Admission, Interrogatories and Request for Production You are served with plaintiffs requests for admission, interrogatories and requests for production together with monthly billing statements which are hereafter referred to as "Account Statements" or when referred to an individual statement the "Account Statement". Requests for Admission In accordance with the Pennsylvania Rules of Civil Procedure, each matter is admitted unless, within thirty days after service of the request, or within such shorter or longer time as the court may allow, the party to whom the request is directed serves upon the party requesting the admission an answer verified by the party or an objection, signed by the party or by the party's attorney; but, unless the court shortens the time, a defendant shall not be required to serve answers or objections before the expiration of forty-five days after service of the original process upon him or her. If objection is made, the reasons therefore shall be stated. The answer shall admit or deny the matter or set forth in detail the reasons why the answering party cannot truthfully do so. A denial shall fairly meet the substance of the requested admission, and when good faith requires that a party qualify the answer or deny only a part of the matter of which an admission is requested, the party shall specify so much of it as is true and qualify or deny the remainder. An answering party may not give lack of information or knowledge as a reason for failure to admit or deny unless the answering party states that he or she has made reasonable inquiry and that the information known or readily obtainable by him or her is insufficient to enable him or her to admit or deny. A party who considers that a matter of which an admission has been requested presents a • genuine issue for trial may not, on that ground alone, object to the request. That party may, subject to the provisions of Rule 4019(d), deny the matter or set forth reasons why he or she cannot admit or deny it. Interrogatories In accordance with the Pennsylvania Rules of Civil Procedure, you are to respond within thirty (30) days after service of these interrogatories. The response shall be inserted in the space provided after each of the interrogatories; attach additional pages if more space is needed for the response. These interrogatories are continuing and demand is hereby made to amend or supplement the answers as is required by the Pennsylvania Rules of Civil Procedure. If the answering party is a minor, a decedent's estate or an individual who is incompetent or under legal disability to provide answers, the individual providing answers shall state his or her name and the authority under which he or she is providing the answers. Full and complete answers the interrogatories must be provided and signed by the party making the answers. Request for Production of Documents In accordance with the Pennsylvania Rules of Civil Procedure, you are to respond within thirty (30) days after service of these requests for admission. It is acceptable that the answer and produced documents be copied and mailed. For the purpose of this request, the word "document" means the original, all drafts and notes thereof, and all copies of any written, printed, recorded, charted, taped, graphic or magnetic matter (including, but not limited to, video tapes, audio tapes, and computer tapes and discs), however produced, reproduced or prepared including email. This request applies to all documents in your possession, custody or control or in the possession, custody, or control, of persons acting or purporting to act on your behalf, including, but -not limited to, your present and former agents, accountants, debt management companies and attorneys. The term "account" refers to the credit card account which is the subject matter of the complaint. The term "Account Statements" or "Account Statement" refers to the billing statements for the account which are attached to these requests. In making this communication, we advise Burton Neil & Associates, P.C. is a debt collector. This is an attempt to collect a debt and any information obtained shall be used for that purpose: • Requests for Admission .7 With reference to the Account Statements served with the requests for admission.. interrogatories and requests for production: 1. You admit plaintiff mailed, transmitted or provided each of the Account Statements to you. 2. You admit you received the Account Statements. 3. You admit that the Account Statements are correct copies of the Account Statements you previously received. 4. You admit that the detail for charges in the Account Statements is accurately reflected. 5. You admit that the detail for credits in the Account Statements is accurately reflected. 6. With regard to each of the Account Statements which reflect a credit for a payment: A. You admit you reviewed the Account Statement. B. You admit that after determining the Account Statement information was correct, you then made a payment to plaintiff. C. You admit that for each month you made a payment that a credit for the payment was correctly set forth in the following month's Account Statement. • 7. With regard to each of the Account Statements which reflect no credit for payment: A. You admit you reviewed the Account Statement. B. You admit that after determining that the Account Statement information was correct, you did not make a payment by the payment due date. C. You admit that for each month in which you did not make a payment that the following month's Account Statement correctly reflected no payment was made. 8. You admit that you made the payment or you caused the payment to be made in the amount shown in each of the Account Statements for which a credit for a payment is reflected. 9. You admit as to each Account Statement which reflects no credit for a payment made, that a payment was not made by the due date stated in the prior month's statement. 10. You admit that the last payment on the account was made on January 16, 2011. 11. You admit that within sixty (60) days from your receipt of each Account Statement that a written billing error notice was not sent to plaintiff. 0 Interrogatory No. 1 If the response to any of the requests for admission is a denial: 0 1. State, explain and detail each fact upon which you rely for your denial. 2. State the name and address of each person who has knowledge of the facts set forth in your response to interrogatory No. 1. Request for Production of Documents If any fact in response to interrogatory no. I is supported by a document, produce the document upon which you rely for the denial. / ." ' Z. Neil Assgciates, P.C. Y*/D. Weinstein, Esquire In making this communication, we advise Burton Neil & Associates, P.C. is a debt collector. This is an attempt to collect a debt and any information obtained shall be used for that purpose. C-55363 Sears Okstercard® O5 at I-M-859-81188 Manage your account and pay your bill at www.searscardcom Write to us at PO Box 6282 Sioux Falls, SD 57117-6282 DOROTHY L SH- Account Number: '9846 Page 1 of 2 Summa of Acilmunt Activity Previous Balance $0.00 Payments $0.00 Other Credits $0.00 Purchases +$1,021.28 Cash Advances sons Fees Charged $0.00 Interest Charged $0.00 New Balance $1,02128 Past Due Amount $0.00 Credit Limit $6,500.00 Available Credit $5,478.00 Cash Advance Limit 5250.00 Available Cash Limit $250.00 Amount Over Credit Limit $0.00 Statement Closing Date 06/16/2010 Days in Billing Cycle 21 Payment Due Date 07/1312010 Payment Information Ina addlpae55 ran the pa duedale. New Balance $1,021.28 Minimum Payment Due $16.00 Payment Due Date 0711312010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $39.00. Minimum Payment Warning: It you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: $41 3 years $1,488 you would "information about credit counseling seances. ca 1_677-337-8187 Ii yoti nlake'rlo'additionai -:You will : pay 611f the: • •: • :'And jrou:lNdl :'ctiaiges:•usiriy;tlve:ceiii;: 6alance:stiovvri:oii:tfiia ::;end up:peyiiip'.eri; :and each:month you pajr:.:: : stateinerlt din about.:: ' estimated total of:.: Only the minimum payment 15 yetis $3,142 (Savings= $1,654) Your Sears Choice Rewards Summary Adjustments to Reward Pants 0 Reward Points Redeemed This Period 0 Previous Reward Points Balance 0 Reward Points Famed This Period 1,022 Ending Reward Points Balance 7,022 Reward Points -Expiration Date 1,022 05/2014 0 OS/2D1 S 0 05/2016 0 05/2017 Transactions Trans Date Post Dab Amount 05/27/70 05/27/10 PROMOTIONAL SALE 1,027.28 KENMORE 80, KENMORE 80. DRYER KR Fees TOTAL FEES FOR THIS PERIOD 0.00 Interest Charged Interest Charge on Purchases 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION This Account Is Issued by Citibank (South t)akota), N.A. I R6asadel8cn this portion and rearm wiW your payment to fnsura pepper vedll. Relaln upper portion for your reoxde. Sears Masto-1"arr'* Account Number. 8646 Paymerd Minimum New Balance Due Date Payment Due Amount F_ndoeed $1,02128 07/13/10 $16.00 0621156 10 568 10767 1 7X5503 rYG 001 7 N . . 1111111111 111111 111 111111111 1111 Make check payable to DOROTHY L SHIPLEY SEARS CREDIT CARDS 43 BUTTONWOOD LN PO BOX 183082 CARLISLE PA 17015-7803 COLUMBUS, OH 43218-3082 IIIIII'I'll'I"'IIiIII oil III III 111'llll'llll'I 111111111111111111111111 It IIIIIIII Please make address changes on reverse side. 1130 1846 0102128 0001600 0000000 11310 • lsfwuatko Abed Tow AccsuaL New to MW hyia0 -barest w Pordanes Your payment cue dale is at least 25 days alter tie clou of each hilhng cxk We dR net ehrrgc you army interest on prrcluses it you pay your New Balaw-e by the payrsenl Out date each mnmtls This Is Called a game period an per'chases- N you do not pay the New Balance in full by the payment due date, you grin not get a grace period on purchases until you pay, the New Balance in full to two billing cults In a row. We will begin charging hderesl an cash advances and balance transfers IN available on your actanrl) on the transaction date. If -,vu have a balance subject to a deferred interest promotion, that balance is excluded. excerl for a fielened inlefes! balance in a billing cycle No which the promotion expires emote the payment due date (the 'excluded promokoal balan;ei) from the amount you most pay in toll to get a grace period euept for any separately required payment on that balance. In hitting cycles in which payments a-e allocated to deterred interest balances first the deterred merest ba'anx awl be reduced before ant other balaxt m the account flow".. you Vill continue to get a graze period on purchases so long as you pay Ine New Balance less any excluded prorsoliurul balances In full br the pavsuenl due dale each bllkng cycle. In adatlolt cerain promotional offers may take away the grace period an purchases Other promotrasal oll-n not described abror may also adoa you to just a grace period on purchases wilhOW ha*2 to pay all or a pal lain of the promotional balarice by the payment asst dale. It either is the case the prauolional offer will describe what haii Mow We Calculate Yowe Rob= Sollieat to Interest night. We ust a daily balance method fi cludino current transactions) to calculate hderest charges. To find out more information axgii the balance computation method and now the resulting interest charges were deterni contact us at the 'Call as at- number on the front Northwest Cbwq@C The Interest Charged on Purchases shown on the front includes the n(eresl charged an all purchases and balance transfers (if balance transfers are available air your actount'k likinwaetlr Dd& The Transaction Cate shown an thr sfalomenr is also rz Sale Delp Ill 1 rsltp foe. To awt1d paying this fee, n3tity us that you are closing youraccoual Mft 30 days of the mailing or delivery dale of the statement on which the lee is billed- It Yew Amend k Su*d Ti The Panty APR, Ilea tmq SIB The Pmft APR Aplyl) the Peratty AN will apply until you make 12 consecutive minimum pail wri oe lint and do sot go met yodr credit limit or ma lee a paytarru! I ,at is returned or do any of thew Vrngs an anolhn accounl that you have rides us during that lime period. The Penalty APR may eed saioner in accorca rice with yon card agreement, at if required by applicable law Crea Rgwl q Okptltet If you think we reported inaccurate INormat ion to a credit bureau write us at "WrRe to us at-address shown on W host. PAwd a Lad m Sbdew Cog hrwee I - i Call lose -gall us al' number shown on the front. NM To k R Yea Wish Yew Plod a Ubtahe w Yew Stateaeeet 0 you think there is an error on yon statement. rte to us at the cadress shorn a. the front where it says 'v ice to us al." In your Kier, give us tit tolloang information: A c rod information: Your nacre and accoxt number. Dellin_amoarr Ine door amount of the ssspetted error. Descant:a r of Problem It you think there is an error on your bid, describe what no beben is wrong and alit yuu bebtst 0 is a mistake. You must contact as witmn 6C days after the error appeared on your statement. Yon must nobly a of any potent•al etwrs jai idg You may call us but it you do cur are net requited to ireestigete any potential errors and tour they have to pay t.e orrromd in question, Vniilr we inveslisale whether or not there has been an error, lire loaoxnng are true: We contra! try to called Ine amount in gaeslion, or report you as delinquent on that amounL The charge lit question may remain on your stalemerd, also we may continue to charyt you interest on that ismotint But, if we determine that we made a mistake, You will riot have to pay the amount is question or any interest or otter fees related to that amour. • 11h le iob do net have to pay the amount in quest ion, you are responsible kw the remainder W yam balance. • :k un apply arty tnpaid amount agi u it your cre0t emit. Yas_ll?rtf,fl_Yea.ArY.Dkstlti(1??8_[yRCYrtdM CaM.Prralrasas V you at dissatisfied with the goods a smses Jed you lure purchased with your credit card, arse you have tried in flood fat's to correct the problem with the merchant you may have the right not to pay the remaining anrourst due on the purchase To use this right, all of the billowing mi. be true. L The purchase must have been made in your home state or within too miles o1 Your current mailing address, and the purchase price mull have been more than 550. iNatr. Neither a'thest are necessary i! your purchase was Delta on an adveftistmrnt we mailed to you, or it we own the company that std you the gams or services.) 2. YOU must nave urea voor cre7il card for the purCheSt. PurCWtS made sytb cash advances bon an ATM or with a check that accesses your credit card accoorl do not quadl f. 3. You must not yet have tally paid la the purchase. It all of the crtarto above at., met arse you are still diswfinfied Nab m; purchase, cantad us idaL(ipp at the address sham an Jet front grhere t says 'W. ice to us at- le we investigate. the sane rules apply to the disputed amount as disetssed above. Alter we finish our nvesligalion, ne will tell You OUT decision. At that pail, it we rank you owe in amount and you donot pay we mar repor yroo as delinquent. N*Kt M nyment bsbwedws. Creitlmg hymebk if we receive your payment in proper formal our processing lacdily by 5 p.m. local time there. it will be credited as of Vat day. A payment receives there to proper farm after that Irma aill be credited as 0 the next day. Allow 5 to, days for pa'ymellts ti «glaer mat to reach us. There may be a delay or up to 5 days in Crediting i payment we remove that is hot in proper form or is rot sent to the correct adGess. The correct adless la regular mail is the address on the treX of the payment coupes A payment milk in-slat is not sod to Ire correct address. The correct address fof Courier oregs ess mail is the Express P2ymests Address slaws betoa Roper Pam for a payment sent by mail: or cosier to be inn paper lorm, yogi must • Emelose a raid thick a ngrrzy order. Ib czsR gin cards, a foreign currwmy please. kclede Your ndee a-so accwrt menberen the Irad of your cbmk a money cideC. If yea serf an eOglWe drub wfeb hdds payment apart, Ise; mdbwiu vs to eeraplele Yew (aliment by ekcbm k ddWL M we de, the chedby auomu well he related Inc the cur , I w fie cheat We WAY do Oft as sew an rio day we receive the cl ech. Abe. the cheer! WO be dedmyeL COW Fee. lye Charge S3 for each copy of a Wiling statement that dates lift 3 months at more. We add the fee to the regular purchase balance. lW_ waive the fee if your request ioi the copy idales to a billing error or disputed pLrctrase. ftpwM Optkat Other Than Regahe liaY. *Wim Pgments, Visit awwSearslad.cam and sign up for online payments. Enrollmcrt may take a tea days 0 we receive your request to make an online payment by S p.m. Eastern time. we will credit your payment as of that day. It we receive your request tai make an onint payment alter tnal fine. of will treat your payment as of the nest day. For security rtasals, you may be unable to pay your entire Nca Batawe witn yaw firs! online payment. Pay by Phm Sertiw You may uw this service any lime to riake a peneeat bit phone. Yoe will he charged SI0.00 d a representative of ors helps esoedite your payment. Cal lrr 5 pm. Eastern time to have your payment creCNed on of that day. 11 you al alter : hat tone, your pymeril win lot credited as at the next day. V e may process your payment eleclroCOcaNy after we verify your file rany. [x4nen Payments. Yaw cop, serrd payment try courief or arpreis mail to list E%press Paymehts Address. This address is'. Payments Department. 15W Bcltonfleld Suett, Columbus, ON 43728. Payment most be received in proper form at the prodti address air 5 pm. Easter time to be credited as of that day. All payments received in proper form at the proper address after !flat time will be credited as of The next day. SlAUTGUSCUSCP/HIPS 3110 New Address It your address has changed, please print any changes below. Name: Street Address: City, State, Zip: Phone: 01 DU(xU57 - Z- 05/20!10 Sears aterCard* e at1-aOG- -8488 Manage your account and pay your bill at www.searscardcom Write to us at PO Box 6282 Sioux Falls, SD 57117-6282 DOROTHY L SHIPLEY Peen( Due Date Account Number. ]O= XXXX XXXX 8646 Page 2 of 2 07/13/2010 21156 Transactions Trans Date Poet Date Description Amount Interest Charge on Cash Advances 0.00 TOTAL INTEREST FOR THIS PERIOD 0.00 Billed Deferred Previous payments Purchases Interest Promo Interest Exp. Promotions Balance ACredits ADebits Charges Balance Charges Date DEFERRED INTW/PMTS $0.00 ' $0.00 $1,021.28 $0.00 $1,021.28 514.93 11/27/11 Thank you for taking advantage of the special 'Deferred interest' promotion(s) that appears on this monih's account statement. Please pay you promotional balance(s) in full by the promotion expiation date(s) to avoid interest charges on the 'Deterred Interest' promotion(s). Interest Charge Calculation Your Annual Percentage Ratio APR is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge Purchases 25.24% (d)(v) $0.00 $0.00 DEFERRED INT W/PMTS 25.24 % (d)(v) - $0.00 Cash Advances 27.15% (r0(v) $0.00 $0.00 (v) . variable Rate Effective ANNUAL PERCENTAGE RATE. N/A (d) = Daily (m) . Monthly -N ft- Summer Home Specials Home Services 800-993-9856 10% OFF SAVE tz) Any Cleaning Service On Any Insulated • FREE Estimates caw & Upholstery Installed Garage Door • Corwenierd AppoifltnM,fltS Tole $ Grad lion may be eligible to receive Dryer Peat a 30% Federal L•nergy Tax • Professional, TrNned Technicians Air Duct Credit up to 51500. • Satisfaction Guaranteed searseleaacom seampragedoom com ?pr1? O.ipi Oar arab a arAN ams hil9an w4 s ee4ie?k1 ??trmpar! 4elr tliate nq Dr f?dfadl NatAltwe swam Comm n ales Yaawhere pr.,h UE. sffw s e?ww hr seas ?0 Sears 41sterCard® es at 1-M-869-8488 Manage your account and pay your bill at www.saamcardcom Write to us at PO Box 6202 Sioux Falls, SD $7117-6282 DOROTHY L SHIPI.Fv Account Number. ;846 Page 1 of 2 Sumr1Lary of Account Activit y Previous Balance $1,021.28 Payments _S20.00 Other Credits $0.00 Purchases +S42.98 Cash Advances $0.00 Fees Charged +$39.00 Interest Charged $0.00 New Balance $1.083.26 Past Due Amount $0.00 Credit Limit $6,500.00 Available Credit $5,416.00 Cash Advance Limit 5250.00 Available Cash Umit 5250.00 Amount Over Credit Umit $0.00 Statement Closing Date 07/1612010 Days in Billing Cycle 30 Payment Due Date 0811312010 I Pavment Information the adorsrorwyr+ier+tsby line payinandue "I New Balance $1,063.26 Minimum Payment Due $50.00 Payment Due Date 00/1312010 Late Payment Warning: It we do rot receive your minimum payment by the date listed above, you may have to pay a late fee up to $39.00. Minimum Payment Warning: N you make only the minimum payment each period, you will pay more in Interest and it will take you longer to pay off your balance. For example: If you rnake'n6'adcN6nid -:You will:ok off the: - : -:•Alid you-will ; ::chaises: iisuig this:ctiid ;: tiWliiloe:aliolrn:oil.tAis :...end up. paying an aild each-month you pay.:: = ....in .. iri.a..... • estimated total ot:.. Only the nrirlimum payment 16 years $3,318 $45 3 years $1,608 (Savings= $1,710 J It you would like information aboutaed"counselingservlces.calll?trr-ssr aldr Your Sears Chace Rewards Summary Previous Reward Points Balance 1,022 Reward Points Earned This Period 43 Adjustments to Reward Points 0 Roward Points Redeemed This Period 0 Ending Reward Points Balance 1,065 Reward Points -Expiration bate 1,065 05/2014 0 05/2015 0 0512016 0 05/2017 YOU MUST PAY YOUR PROMOTIONAL BALANCE OF $1021.28 IN FULL BY 11/27/11 OR THE PAYMENT DUE DATE FOR THE BILLING CYCLE IN WHICH THE PROMOTION EXPIRES, WHICHEVER IS LATER, TO AVOID PAYING DEFERRED INTEREST CHARGES. Transactions Trans Date Post Date Description Amount 07/11/10 07/11/10 JOANN FABRIC 01131 LEMOYNE PA 21.03 07111/10 07111110 EXXONMOBIL 45461498 MECHANICSBURG PA 21.95 07/15/10 07/15/10 PAY-BY-PHONE PAYMENT DEERFIELD IL -20.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION This Account Is Issued by Citibank (South Dakota), N.A. Please detach this portion and return weh your paymern 1o inure proper credt. Retalr upper portion ror your recowds. Sears MastefrCarcta . Account Number: 8846 Payment /minimum New Balance Due Date Payment Due Amount F_nclosad $1,083.26 08/13110 $50.00 AccountCaua Optional Enroltment Yes! By signing, I want to enroll In the optional AccounlCare plan and help protect my account I received and agree to the endwA Program Summary. Bill the monthly fee Signature ($0.961$100 of balance) to my account 0101420 09 2367B 10197 1 TXS5W FVG 001 7 N IrPhIlrultlrlnPlllmlltttutulliltllrlHltllltlill11111/11 DOROTHY L SHIPLEY 43 BUTTONWOOD LN CARLISLE PA 17015-7803 Please make address changes on reverse side. Make check payable to SEARS CREDIT CARDS PO BOX 183082 COLUMBUS, OH 43218-3082 1"'lll'llll'II'lllllll'III'lirltlllrlltllirltlrtltrllll11111Jill 113 5846 0108326 0005000 0002000 1015 • kb nomm Ake var Aeaaat. Non b Amid ?aYbl Ir bran m Pm OMM Your payment due date is it least 25 days after the close of each billing trek. We will not charge you any inlelest an purchases it you pay your Iles Balance by the payment due date each month. this is called a grace period on purchases If you do not pay the! Now Balance in full by The payment due date, you will not Set a grace period on purchases until you pay the New Balance in full for two billing cycles in a row. V aria begin charring interest on cash advances and balance trarsters (if available an your accounq on the transaction date. If you have a balance subject to a deterred interest promotion, that balance is excluded, :crept for a deferred interest balance in a billing cycle In which the promotion expires before the payment due date, One'euluded promotional balances-) from the amount you must pay in had to get a grace period ex"t tot any separa:ehy requlreo oayment on that balance. In Mikng cycles in Which ointments are allocated to deferred interest balances first the deferred interest balance will be reduced before any otherbalarce on the account. Noweve., you m:tl continue to get a grace period on purchases so long as you pay tae Pew Bdldr" less any exluded pcomcl'imul bdldnces in lull by the payment due data each billing cycle. In adct:om, certain pro notionai otters ow take array the grace period on purchases Other promotional afters not described above may also allow you to nave a grace period on purnaus without having to pay an o• a portion of the promotional balance by the payment due date. if either is the case, the promotional offer roll describe Alt happens. [taw tat likakb TMr Retrace Srd*d b Intaest Nob. We use a daily balance method (ioduding current nransactknsr to calculate interest charges. To find out more information about the balance computation method and how the resulting interest ccanges were determined. contact: ds at in- 'Call us at' number on the front. Interest pinged. hne Interest Charged on Purchases shorn an the front includes the interest charged on an purchases and balance iranslers if balance lranslers are Available on your arcountl Traosac M Baltic The TraresCtion Date snowy on the VXe mprif is also me saw Date. Nambrvil ip Fee. To avoid paying this lee, notmtyr us that you are dosing coma accdrM within 30 days of the mailing or deltveryf date of the statement on which the fee is bill, Il Yea kmm d k &J*d To The Peogh APR. Ilom Leng gill The Posafty APR Appryt The Penalty APR 701 apph, mall it you nuke 12 consecutive minimum payments on :True and do not go over Tyuc -Wit Rmit or make a payment: teat is returned or do anv of these things cn another account that you have with us during that line period The Penalty APR may end sooner in accordance with your card agreement, of If required by applicable law CrdM Reporting Disputes. N you think n reported inaccurate more w;m to a credit bureau write us at -Krile to us at' address shown on thetrmt. Report a Led or Sblow Card humgigd . Cal the tall us at' number Shown. on t1e frond Stamesmamt iQrt To Do M r. net Ym Fhsl a Nkin a an year If •,oo think there is an error on;vtu st3t2menL write tc us at :he address show„ or, the trout where it says "Write to us at: in your tatter, give us the following intomaNon: kc0unt Your name and accourl number. Dollar affxxnt T; a doNr MW dt Of Dine suspected error. Descrmtion d Problem It you tlhmkteae is an error on ,,our big C naibe wila. you believe is wrong and Why you believe it is a mistake. You must contact us within 6-0 days after the error appeared on your statement. You must notify us of env poter All errors jos itha you may call us, but V you to r_ are not Iequ'ued to investigate m; Wentia! efrors mho you may thaw to pay the aniou rd in question. lad. a we investigate whether of not There has been an error the toteonbhg re true: • We camel try to called the ar noun in q_esthn, or repor t you as delinquent on that amount. The charge in cuestion may renraia on your statement. and we may continue to chaV you interest em that amammt. lut'd we ceteritune that we made a mistake, you v ill not have to pay the amount in question or any interest or other fees related to that amount. 0 IO Nie you do not hate to pay the amount in question. you are responsible for tie reamalnder at your balance. Ale tan oaply arty unpaid amount against your credit limit 1!goe_Marta.if_la!_A2??sa?ilbl_?$_CataLCee?t Card.?treRasaa If you are dissalisfed Ads the goods of sei vices that you han purchases with your credit card, and you hate tried in good tall to correct the problem snth the merchant you slay have the rig-it W. To pay the remaining amours our on the plrciram To use ;his right. all of the following must be true. L ibe purchase must have been made in your bone state or within TOO miles of your current mailing address and the purchase Drke must have been more than S5O. Image; Neither V these are necessary R your purchase was Used on in advertisement re misled to you, of N we ester trio company that sold you the goods or services ) 2. You must ha•R used your credit card ter the ahrthase. Purchases made with cash advances Iran an ATM or with a check that accesses your credit taro account It not quality. 3. You most not yet have folly paid for the purchase. If all of the criteria above are met aced you are still dissatisfied With the purrsase. contact us in akin at the address shown on the front where N saws "Vie to us at: While %* investigate, the same rules app:y to the disputed amount as discussed ,own Alter we finish our investigation, tee will tell you cur decision. Al :hut point if we think you ogre an amount and you do not pay :k may report you as delinquent. Imparbaot f vent Mtrwasks. Crediting f iyomRS II we receive your payment to xbpeli form el our xacesskq facility by 5 pm kcal lime Mort, it will!* credited as of that day. A payment received there in proper form after that time rice be atdNed as of the rert aav. Allow 5 to 7 days for payments by regular eras to reach ds There may be a delay of up to 5 days In crediting a p2ylrent we receive that is not it proper form or is flat sent to the coined address The Cant! &"nl for regular mail is the address or, the new. of the paysert coupon A payrrhenl made inslale is net writ to the correct admess. the cared address for courier or express veil is tie Express Payments Address shorn below. Frailer Farm. For a payment sent by mall or courier lc be in y'gper iorm, you must • Enka a said check or to" order. No cash, gitl cards, a" foreign currency please. leehMa your rune and dcccunt r umber on the bent of you check of money order. If yen xnd an eoyme aheea Sam thla papmnt cmpm• TIN authsrtde as to compke Vour III I by dacts..tc dtbX It we do, she rhmclbrg Ktowt wild Im dehtted Is the ammb w No chant We my do this as sari as the dap M "coils, the check. Alas, ore check mu be deete pot Copp Fora We charge S3 for each copy of a DBfing slatettent that dates Sack 3 moh•:Ths or more. lye add the fee to the regular pu-dtase balance. WE wive TIN he if your request to: the ropy relates to a billing error or disputed pxch". Payment optics tithe Than Oil" rah. (fwOrxe Payments. Visit wee"SearsCard.com and sign up for oeline payments. Enrolment may take a ter da?s. N we receive your request to make an onlin payment by 5 p.m. Easier„ time, we will credit p)ur paym of as o' that day. N ore receive your request to make an online payment after vwt I*W- we wit credit your pe rrmert as of the nest day. For Security reasorm you may be unable to )F( your antee New Balance with wx first dtioa payment. • Pay hp Nom Sw vkL You ma?ytuse this service any tine to nuke a payment by phone. You sill be charged SMSS if a reptesenthtiee of ours help expedite yow paytrerd. Cal V;r 5 prh. Eastern time to bay- you payment crec itea as of that day. If you call atter that time, lour pasYnent wig be credrec as of the nevi day, We may process your payment clectrankally alter we verhy your identirl. Express ?a lwasix You can send paftreM byn courier or expras mail to the Express Payments Address This address ice. Payments rycrtmpi ISM lkltonfleld Street Columbus, ON 43220. Payrrrem :trust be retzived in propnr letrm r the prayer eddress by 5 per. Eastern tine to be cmdi:ec as of that day. AO paarmens received in proper Form a: lee proper address after that lime wit he crecited as of the next day. SUC/lcl/SMSCPItiIPs 3/D New Address If your address has changed, please print any changes below. Name: Street Address: City, State, Zip: Phone: 01 GF6057 -1- 07/02,110 Sears esterCarcr W at 1-sw-aw-s s Manage your account and pay your bill at www.searscard.com Write to us at PO Box 6282 Sioux Falls, SD 57117-6282 DOROTHY L SHIPLEY Account Number. X)00( XXXX XX)X 8846 Payment Due Date Page 2 of 2 I D1420 08/1312010 Transactions Trans Date Post Date Descrilwon Amount Fees 07113/10 07/13/10 LATE PAYMENT FEE TOTAL FEES FOR THIS PERIOD Interest Charged Interest Charge on Purchases Interest Charge on Cash Advances TOTALINTEREST FORTHIS PERIOD 2010 Totals Year-to-Date Total Fees Charged in 2010 $39.00 Total Interest Charged in 2010 $0.00 YOUR LATE FEE WAS BASED ON AN ACCOUNT BALANCE OF $1,064.26, WHICH WAS YOUR ACCOUNT BALANCE ON THE LATE FEE TRANSACTION DATE. Billed Deterred Previous Payments Purchases Interest Promo Interest Promotions Balance S Credits b Debits Charges Balance Charges 39.00 38.00 0.00 0.00 0.00 Exp. Data DEFERRED INT W/PMTS $1,021.28 $0.00 $0.00 $0.00 $1.021.28 $36.64 11/27111 Interest Charge Calculation Your Annual Percents Rate APR is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge PURCHASES 25.24% (d)(v) $0.00 $0.00 DEFERRED INT W/PMTS 25.24 % (d)(v) - $0.00 CASH ADVANCES 27.15% (dl(v) $0.00 $0.00 (v) = Variable Rate (d) = Daily (m) = Monthly STVI A G S! M BERrE$irs! FOR"YOU! Take advantage of special savings and exclusive events at www.sears.com/creditoffers. • Cardmember-only sales events • Special financing offers to shop now and pay later • Easy and convenient online access to your account Check now for new offers at www.sears.com/creditoffers. Visit often for updates. Sears 01sterCard® a at 1-800-689-8488 Manage your account and pay your bill at www.seerseardeom Write to us at PO Box 6282 Sioux Falls, SD 57117-6282 DOROTHY L SF"' Account Number. 6646 Page I of 2 Summa of Account Activi Previous Balance $1,08326 Payments -$50.00 Other Credits -$39.00 Purchases +S81.95 Cash Advances $0.00 Fees Charged $0.00 Interest Charged $0.00 New Balance $1,07621 Past Due Amount $0.00 Credit Limit $6,5D0.00 Available Credit $5,423.00 Cash Advance Limit $50.00 Available Cash Limit $50.00 Amount Over Credit Limit $0.00 Statement Closing Date 08/17/2010 Days in Billing Cycle 32 Payment Due Date 09/13/2010 the worse for New Balance $1,076.21 Minimum Payment Due $17.00 Payment Due Date 09/13/2010 Late Payment Warning: H we do not receive your minimum payment by the date listed above, you may have 10 pay a late tee up to $39.00. Minimum Payment Warning: 0 you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: n you wouhe oKe roormouon aoout ureun oomsetmg servtoes. cap i-or r-ao r-o for If you rilake'nc •ailditionel:: ::Yoir wiN?pay oft tile: ' Arhd yofi'win cilaiges.'diih4:this:ct rd °:: bittlance:showh on.this : -eiid up: pariig'an :and eaah:month you pay:::: .......... ...... : sta Tprit:in atioirf.:: .............. estimated total Of...... ............. Only the minimum payment 16 years $3,424 $45 3 yews $1,632 (Savings= $1,792) Your Sears Choice Rewards Summary Previous Reward Points Balance 1,065 Reward Points Earned This Period 82 Adjustments to Reward Points 0 Reward Points Redeemed This Period D Ending Reward Points Balance 1,147 Reward Points -Expiration Date 1,147 05/2014 0 05/2015 D 05/2016 0 05/2017 YOU MUST PAY YOUR PROMOTIONAL BALANCE OF $1021.28 IN FULL BY 11/27/11 OR THE PAYMENT DUE DATE FOR THE BILLING CYCLE IN WHICH THE PROMOTION EXPIRES, WHICHEVER IS LATER, TO AVOID PAYING DEFERRED INTEREST CHARGES. Transactions Trans Data Post Data Description Amount 07/17/10 07/17110 LATE FEE REVERSAL -39.00 D8/01110 08/01/10 PEPSOYS STORE ii 21 MECHANICSBURG PA 72.47 08/02/10 08102/10 GIANT FOOD 11005 001 MECHANICSBURG PA 9.48 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION This Account Is Issued by Citibank (South Dakota, N.A. Please detach IMS portion and return wM your payment to Mum proper oreot. Retain upper podlon for your room-do. Sears Master'--4* Account Number. 6846 Payment Minimum New Balance Due Date Payment Due Amount Enckisad $1,076.21 09/13110 11 $17.00 AccountCare Optlafnat fnro0ment As. By signing, I want to enroll in the optional AccotintCare plan and help protect my account. I received and agree to the enclosed Program Summary. Bill the monthly fee Lsipatt.re ($0.96/5100 of balance) to my account. 001698 10 36788 10719 I TXSSM FVG 001 7 N flllllllllfl?l?ll?'I'!I'IIII?Ilrlllrllrllll?rrlrllilllrfllr?tllll DOROTHY L SHIPLEY 43 BUTTONWOOD LN CARLISLE PA 17015-7803 Please make address changes on reverse side. Make check payable to SEARS CREDIT CARDS PO BOX 183082 COLUMBUS, OH 43218-3082 I?Irwl?ll??ll'I'E?11?'ii'I'I"?'1111?I?1"Il?rilll?ll'll??'?illl 115 aa4b 0107621 0001700 0005000 1016 Yhroatim Abet Yoe Accmat Now to Avoid " Interest an Pu?dases. Your payment due date is et least 25 days after the dose of each billing cycle. We will not charge you any interest an purchases if you pay your New Balance by the payment due date each month 7his Is called a grace period on purchases. It you do not pay the New Balance in full by the payment due date, you will not get a grace period on purchases until you peythe Nts Balance in full for two billing cycles in a row. * will begin charging interest on cash advances i d balance transfers I if availa * on your account) on the transaction date. If you have a balance subject to a deferred interest promotion, that balance is excluded, except for a deterred interest balance in a billing cycle in which the promotion expires before the payment it* date, (the 'excluded promotional balances') from the amnord you must pay In full to get a grace period exrpt for any;epaWele required payment on .hat balance. in bilking cycles in which myrerds are allocated to deterred interest balances fast, the deferred interest balance will be reduced before any other balance on he account. Nowever. you will continue tic Ile; a grace period on purchases so lane as you pay the New Balance less any excluded promotional balancr% in ILA by the paymeol due date each billing cycle. In addition, certain promotional otters may take away the grace period on purchases Other prumotibnel offers not described above may also allow you to have a grace period on pmm:hases without having to pay all or a portion of the promotional balance by me paymen due date. If either is the case, the promotional after :rill describe what happens. NOW me Gkwmg Year so"" S, is Mheest Rude. We use a daay balance inetlwd (including current, transaclioni) to calculate interest charges. 7o End out more information about the balance computation method and how the r esuAing interest chafges were determined, contact Its at flit 'CAI us at' number on the front. Interest Charged. The interest Cnarged an Purchases shown on tke Irani includes the interest charged on all purchases and Wancv transfers fr balance traershl are available on your account, Tt oath W Ogee. The Transaction Date shown on inc. sta-ciment is also the Sale gate. Idedd enhlp Pell To avoid paying this I"_ notify us that You are dosing your account within 30 days of the mailing or dell Gate d the statement on which the fee is billed. If Yew Akmmi to Su*d A Tke PonaOtt APO, New tang ilk The Penalty APO Appal? The Penalty Am will apply until you make 12 consecutive minimum payments on rime and do not qo avvr you: ;red:l limit Of make a paymea: that is returned or do any ot ! hose things on another account that you have with us during that lime period. The Penalty AK may end sooner in accordance vAth your card agreement, a if required by applicable law. Craft Ikepartbg lHoWas. If yea thins ore reperted inaccurate iniormrtion to a credit bureau write its at Wte to as at" address shown on the front. Report a Lot or Steles Coo hwee6abfp fat the 'Can us at' number srmx. on the frond. Whist To be N Yea 7hbk Ira Find a Whildlnt m Yoe Statement If you think there is an error on you statement, trite to us at 'k address shown on me Irord where t says'wite to as at' In your letter, give us the following information: • Account inkr7aalion Yeur name and auci l number. • Dalai amount T^.e dollar amount of the suspected error. • Description o` Problem: N you mink mere is an error an your bill, describe wfat yrou believe is wrong and why you believe it is a mistake. You must contact Ls within 60 days alter the era appeared on your slaterbent. You must notify its of any potentlal errors iki;dtigy. You say all us. but 0 you do we are not required to i:wesbyate at iv ern as and you may have to pay the amount in question. Wfii'e we irwestkate -.A*her of not there has been an error, the following are trot: We cannot try to coped the amount in question, or report you as delinquent on that amount. The charge it quesl'wn may remain on your s:alemett. and we may continue to charge you interest on that amount. But, if we cetemine that sre Tale a mistake. you veil not have to pay the amount in question or any interest or alter fees rentedto that amount • Mille you do not tare to pay ,,he amount in question, you are responsibie for tie remainder et purr balance. ve can apply any unpaid amount against your credit limit. lf.ArlOhsstlslllA_wlm Xo»ttet>hCaM Prlasytites If you are dissatisfied with the goods of seances that you have purxhesec wdh your credit card, ant you have tried in good falln to cored the problem with the merchant. you may have the right 1W.. to pay the remaining amount out on the purchase. To use this right. all of the following must be true: I The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than S50.INoW. Neither of these are necessary it your purchase was based on in adverbsement we maned to you, or it we own the company that sold you the goods a services l 2. You must have used your credit card for the purchase. Purchases made with cash advances Irony an ATW or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the uiter'a above. are met amt you are still dissatisfied with the purchase, contact us in rritim at the address shown on the front where it sacs "Write to us at' while we invanigale. the same rules apply to ine disputed amount as discussed akon. After we finish our investigation, we will tell you cur derision. Al that point, if we think you ore an amount and you do not pay x may repot ybn as delinque d. Inmparbot PWpwt bstrecd m. Creftng Polweett If we receive your payment in pruper form of our processing facility by 5 p tot bat time there. t will de credited as of that day. A payment ncei? vd there in proper famatterlhattinie cill be credtted as or the next pay. AkwS to T days for payment; by rMldar real to read) us There may be a delay of up to 5 days in creddinq a payment ire w. elve that is not in proper form or is not sent to the correct address. the earrect address for regular mail is the address, on the rrn, of the payment coupon A payment made in-store is not sent to tt a correct address. lbw cored address for courier or express argil is the Express Payments Address shown below. Prayer Farm, For a payment sent by mail or courier tc be in {roper farm, you must • Ermine a solid check or nosey order. No cash, pct cards, o• foreign currency please. • include -your name and account rummber on the bent of your check or money endei. It you sent as Olo a than 111th this payaaM eampm, Yin Wilbert" as to . . your in"ho d by deetradc ANN. H ne ilk Me ebeekbg aavAnt 10 be domes In the anent w tie eheeh. We airy do tic as am as the 6y we receive the mech. AMC Noe track WM be delb- Copt Poe. 7k charge S3 for each copy of a bldg statement that dates back 3 months or more. We add the lee to the regular purchase balance. We rare the fee it your request ton the copy relates to a billing error at disputed purchase. Paymaat Option Other Than Negde kid. Online Paymontf• Visit wwwSear%Cati.com and sign up for online payments. Enrollment may take a few days. If we receive your request to make an online payment by 5 pm. Eastern time, we will credit your payment as of that day It we receive scour request i o make an online payment after that VM we with « edit you payment as of the next day. For secunty reasons. you maybe unable to pap year entire New Balaate with your bird online payment • Pay by Phoe SWnio? You may use this service anv lime to cake a payment by phone. You will be charged $1495 it a representative of ours helps expedite your payment Cal by 5 p.n. Eastern time to have your payment recited as of that day. If you call after :hat time, your payment will be credirec as of the next day. We may process your payment electronically alter we verity your ide itty. • Eapesa Payeeels You can send payment by courier or express mail tc the Express Payments Address. This address is: Payments fkpartment 1500 SoNonf a Id Street Columbus, OH 43228. Payment mils! be received in proper tome.. the proper eddress l 5 pm. Eastern time to be creel :ee as of that day. A11 peymer's received in proper form at the proper address after that lime will to created as of the next day. SIACAGI/StxKePMfps 3AD New Address If your address has changed, please print any changes below. Name: Street Address: City, State, Zip: Phone: OIEFb057- 1-o7ro'.rt0 ® 11 40s at 108-15159-8488 sterCard Sears Manage your account and pay your bill at www.searscard.com Write to us at PO Box 6282 Sioux Falls, SD 5711 7-628 2 DOROTHY L SHIPLEY Account Number. XXXX XXIO(XX)O8846 Payment Due Date Page 2 of 2 16%8 09/13/2010 Transactions TronsDate Post Date Description Amount 08/11/10 08111/10 PAY-BY-PHONE PAYMENT DEERFIELD IL -50.00 Fees TOTAL FEES FOR THIS PERIOD 0.00 Interest Charged Interest Charge on Purchases - 0.00 Interest Charge on Cash Advances 0.00 TOTAL INTEREST FOR THIS PERIOD 0.00 2010 Totals Year-to-Date Total Fees Char ed in 2010 $0.00 Total interest Charged in 2010 $0.00 Billed Deferred Prevforn Payments Purchases Interest Promo Interest Exp. Promotions Balance ACredits 6Deblts Charges Balance Charges Date DEFERRED INTW/PMTS $1,02128 $0.00 $0.00 50.00 $1,021.28 S60.30 11/27/11 Interest Charge Calculation You Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge PURCHASES 252e% (d)(v) $0.00 $0.00 DEFERRED INT W/PMTS 25.24% (d)(v) - $0.00 CASH ADVANCES 27.15% (d)(v) $0.00 50.00 (v) = Variable Rate (d) = Daily (m) = Monthly Cardmember News THIS NOTICE MAY AFFECT YOUR RIGHTS. PLEASE READ R CAREFULLY. A settlement has been reached in a class action alleging that Cltbank (South Dakota), N. A. increased periodic rates due to delinquency or detault without prior notice. You may be a member of the settlement class. To obtain information regarding the settlement, please go to http://www.casenosecvD6571.rom call 1-800-495-2698 for a FREE in-home design consultation or visit us at: searshomeservices.com/homepro Premium Vinyl Siding • Roofing a Kitchen Cabinet Refacing or Remodeling • Replacement Windows • Heating / Cooling Systems 'Offer eels 9/30/10. Not veld on prior stiles or in mmlaalion milt any Wei ok 5lthject to appkaN at"orthiless. Nd armlohb a d meas. Sims Fa Seats Ik:nsirg idemration rat Mp://rwm."rAOMerlktS.tan//sh$/WD/kaasridomotion MIN sanliw Sears 01sterCarcr 015 at 1.806-e69-sm Manage your account and pay your bill at www.searscardcom Write to us at PO Box 8282 Sioux Falls, SO 67117-6262 DOROTHY L SHIPLFY . Account Number, 846 Page 1 of 2 Summary of Account Activi ty Previous Balance $1,076.21 Payments -$20.00 Other Credits $0A0 Purchases +S703.24 Cash Advances $0.00 Fees Charged $0.00 Interest Charged t $2.20 New Balance 51,761.65 Past Due Amount 30.00 Credit limit $6,500.00 Available Credit $4,738.00 Cash Advance Limit $50.00 Available Cash Limit $50,00 Amount Over Credit Limit $0.00 Statement Closing Date 09/16/2010 Days in Biting Cycle 30 Payment Due Date 10/13/2010 Mailed pa irw9i be receivad by 5 00 IM "I Pa ent lnformation the adoress to payments by vie paynwd due da New Balance $1,761.65 Minimum Payment Due $27.00 Payment Due Date 1011312010 Late Payment Warning: B we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35.00. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: 7-337-8187 If you would Ike information about credit counseling semces, call 1-87-7-337-8187 •It yoti make ho'adcktidirta! . ::You wdl:pay off the: -And you:will ;. Ct18f'0@3 l]SVIg1ti19.C8rd:.: :t?t11811C@ $tlpNrn.O[I.thiti .:. fiend ?.peyltlg:an: :and sach:mortth you pay:.:: : statement?iri atiou#..; estimated total On the minimum payment 19 years X5,641 $74 3 yearn $2,649 (Savings= x2,992) Your Sears Choice Rewards Summary Previous Reward Points Balance 1,167 Reward Points Earned This Period 706 Adjustments to Reward Points 0 Reward Points Redeemed This Period 0 Ending Reward Points Balance 1,851 Reward Points -Expiration Dale 1,851 05/2014 0 05/2015 0 05/2016 D 05/2017 YOU MUST PAY YOUR PROMOTIONAL BALANCE OF $1021.28 IN FULL BY 11/27111 OR THE PAYMENT DUE DATE FOR THE BILLING CYCLE IN WHICH THE PROMOTION EXPIRES, WHICHEVER IS LATER, 70 AVOID PAYING DEFERRED INTEREST CHARGES. Transactions Trans Date Post Date Description Amount 09/14/10 09/14/10 WAL-MART 01886 OPS MECHANICSBUR PA 152.19 09/14/10 09/14/10 JAMES C COSTOPOULOS BO CARLISLE PA 551.05 $1,761.65 10/13/10 527.00 09/09/10 09/09/10 PAYMENT -THANK YOU -20.1310 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION This Account Is Issued by Citibank (South Dakotai, N.A. Reese deleeh ItiS portion and velum with you paymont to o,aure proper wade. Retain W Per Portion tw your remrda. Sears MasterCardl" Account Number. 1846 Peymrnl Minimum New Balance Due Data Artrart E?ldosed Payment Due ? AecautRCue Opflonal Enrollmttlrt Yes! BY signing, I =t o tlltr011 n the OptiOrtal Atxmmt0are plan 811d help protect ttly accI received and agree to the enclosed Program Summary. Bill the monthly tee Signature ($0.964100 of balance) tD my acoalttt. 0018352 70 125676 111258 t 7X5503 FYG 007 7 N Jill III 1111111111 11111111111111111111111111 DOROTHY L SHIPLEY 43 BUTTONWOOD W CARLISLE PA 17015-7803 SEARS CREDfi CARDS Please make address changes on reverse side. Make check payable to PO BOX 183082 COLUMBUS, OH 43218-3082 hn11'lll''tlllIII III III III III lro"I'IPI11'lltgll'It"III Jill 117 8846 0176165 0002700 0002Q00 1015 • Information Ahwt Vow AcOML Now to Avoid Payiq widened r Purdasei your payment due dale is at least b days after the close of each biU* cycle. We willnol charge you arty interest on purchases if you pay your New Balance by the payment due date each month this is called a grace perioc on pirdiases. If you do not pay the New Balance an full by the payment de date, you sill net Set a grace period on purchases until you pay the New Balance in frill for two bpfmg cots in a roc It will lapin charging interest on cash advances all balance t canisters cif available m your actount) on the transaction date 11 you tune A balance swbiect to a delei red interest promotion, that balance is excluded, except for a delerred Interest batatrce in a CillimS cycle In which the proration expires balms IM palm ent due data. (the 'Included promotional oalan:es') from the amend you must pay in null to get a grace period exttpt far any separa:eh' regmrea payment on :hat balance. In b1Rmg cycles in which ney tents are allocated to deferred interest balances tirsL the defend Interest balance will be reduced before any other balance an tha account. However. yw%Till online to gr a graft period on purchases so long as You pay the New Balance less am ekctuded promcl"honel ba":ances in lug bij!Ne Payment due date each bit ling cycle. is Rhile yaw do not hale to pay the arrdmt In question, you ate tesponsible for tit remainder at isur balance, ale can apply any unpaid amount agoinst your credit limit Stru1l.Tep.AaRaaae?.fte..t?tt.ra? t:a.an.e.r.t?,:,? It von are dissatisfied with the goods at sevices that'pn We purchase xrdh your credit rack and you have tried in goad faha to carea the problem snth the merdhxrt you may have the right W. to pay the remaining amount out on the pachasn To use.* right. all of the loPtrwing want be true: I f he purchase nurse have been made in jour bare state or within 106 miles of your currenl mailing address. and the puschase price mtst have teen more than S50. (Neem Neither of these are necessary N your purchase was based on an advedisrmuit we "to to you, or if we arm t tie comparrteat said you the goods or services) 2. you must have used your credit card far tie purctsase. Purchases made with Cash advances from in 47I4 or rlh a check [bat accesses your credit card account do not quality. 3. Yon must not yet have fully paid tar the purchase. In adcZan, « ram promotional often may take MyT a grace period an purchases If all of the criteria above are met and you are still dissatisfied with the purchase, Other prar,Wimul offers not destxobrd abate may also allow" you to bate a grace period contact us In chitin at the address shown on the front where it says :yrite to us at' h t 11 r fpm fine fOTailonal Oal'p{! M Re on purchases sat our r Re mg o paY a o i part 0 ll payment due date. It either is the Case. The Promotional offer will describe what happens. Now We Calealole, rase Ba4aee Sdjert to Interest Rate. We use a daily balance method (including current transactions) to calculate interest charges To find out more information about the balance computation mNlmtl a'hd hay the reviling interest charges were determined, contact us at the 'Call us our number on flit front. Interest Charged. she interest Charged on Purchases spawn on IM front Includes' he interest charged on all purchases arid balance transfers la balance transfers are available on your accounlb 7taosaetiaa Rata IM Transa[tfon Dale snnwn on the statement h also me Sale Date. Narhnherahlp Fee, To avoid paying this fee. notify us that you ate closi :g your account within 3D days of the milling m delrery date of the statement an which the fee is billed. If Yaw Arum" Is Sv*d Ta Ths hu" AM Now Lang M The Pamlty APO Apple the Peially APR Gill apply until you rake 12 cone Ji-e mmlwnhos payments an tine AN do cot go ore' your credit Nmit or yoke a papsnan: teat is returned or do env of them things on ano[her account that you have with us during [het time period The Penalty AM may ell sorer in ac ordaace rilh your Cara agreeisent, m if required by applicable law. Cr@b leepertiag Ohplaf. d you thins as reported Inaccurate fnforaaGan to a cr_ tit bureau write us at "Wte to m at' address shown on the L•ont. ReW a Led or ftelea Care bm agoW Cal the Till us at' number snw on the front. What To Oct N Yws Thlek Ytaw Find a YMtahe as ysar Statement if you think mere is an errs on tour statement, write tc o at the address shown on tha front where it says ahri a to us at' In your letter, gie us the fouowirg information: y.-cagai jpy Ycua name and aa'ant numbrr. Dolor ameumt Tv dollar amount at the suspected error. Description V Problem: N you thmY t Gere is an error an vow bill, cescrloe what yeu bekeye is wwnq aid whir you believe h is a mistake. You must contact Ls within 60 days alter the error appeared on your statement You must notity as of any potenUal errors in rnlii% You may ca It us, but if you do we are ncl required to investigate ari polmlial errors dnd you nay have to pay the amould in question. while we investigate whether or not there has been an -error, the following are true: lye cannot Ir v to collect the amount in question, or report you as delinquent on that amount. • The Gwrge in ouestion may remain an vour s:alemerd, and we may contim;e to char a you interest an that amount But. D we teterrdhe that we made a mistake, you will hot have to pay the amount in question at any interest or alher fm related to that amount while we Investigate, thesame rules spp:y to the disputed amount as discussed above After refinish our inuesl'pation, we will tell you our decision. Al that point, if re think you owe an amount and you do not pay ve may repor you as deirnquent. Mlperbert Peyaeat lealmctleaa CredlYg Payments. It we receive yon payment in proper loan at our processing facility byS pm local time then, it will Oe credited as of that day. A Nvment mceltes there in proper form atter that time rill be credited as of the next day. Allow 5 to 7 days for paymmts by regular mail to reach us There may he a delay of up to 5 days in credBwlq a payment re receive that is nail is prow form or Is not seat to' he correct address The tared ahlress for regular mail is tee address oil the from of the payment Coupon. A paYmeld made i-stwe is not sent to the correct address. fie correct address for courier or express moil is the Express Payments Address shown below. Proper Farm For a oayment sent by mail or courier Ic be in proper horn you Pant DM*M a Valid check or no" alder. No cask gift cards, ir foreign currency plem. Iaelude your none and dcccunl rumber on the licit ud Yom check or money cider. It you fund an elhytbfe shed View this pyamd easpea, yarn autborlaa ors to . . your tI by ndeetraak de!)! N we /a, the thad&g aa"M will we rlehitad Is the YrawarI ea the that We my r this as rime as the day wo rseeis the deck AFaa, Ban dad raw we dedinnyed Copy Fee, lye charge S3 lot each copy of a billing statement that dates ma 3 months or more, the add the fee to the regular pr-cruse balance. lye waive the fee if yaw regnau for the ropy relates to a b[tltap error at disputed purch %,- Payseol Opthaas Other The Singer wlah. • OnFme Papnents. Visit wwwSearsUrd.com and sign up for online payments Emallmenl may take a fro days. N we receive your request to make an oeh:e paymerd by 5 can. Eastern time. we will credit your payment as o' [hat day. It we receive your request to make an onllne payment alter trial time. we will treat your payment as of the next day. for security reas= you may be unable to day your entire New Baance with yrnnr first online payment. Pay by Pbm Service. You may use :his service any time to make a paymerd by phone You will be charged SIOS if a representative of ours helps eryedfte your payment Cal by 5 p.n. Eastern time to have your payment credited as of that day. If you all after that time, your payment will be Cleanee as of the next day. We may process your payment electronkauv alter we verity your Identity. ¢spneu Payments. You con, servo payment by couritr or express mail to the Express Payments Address. Thou address is: Payments Department. 15DO Bohmfield StreeL Columbus, ON 4322& PaRmeni mutt he received in proper farm at the proper address by 5 p.n. Easterw time to be credited as of that day All payments received in camper Form at the proper address after that lime will be Credited as of the next day. SMOGI/SCUSCPAIIPS 3110 New Address It your address has changed, please print any changes below. Name: Street Address: City, State, Zip: Phone: 01 FF0057 - 11- oWro2.,10 Sears0stercarde 0 at1-M-Mil-x486 Manage your account and pay your bill at www.searscardcom Write to us at PO Box 6282 Sioux Falls, SD 57117-6282 DOROTHY L SHIPLEY Account Number. XXXX XXXX XXXX 8846 Page 2 of 2 15952 Payment Due Date 10/1312010 Transactions Trans Date Post Date Deacriptlon Amount Fees Interest Charged TOTAL FEES FOR THIS PERIOD 0.00 09/16/10 09116/10 Interest Charge on Purchases 2.20 Interest Charge on Cash Advances 0.00 TOTAL INTEREST FOR THIS PERIOD 2.20 2010 Totals Year-to-Date Total Fees Charged in 2010 $0.00 Total Interest Charged in 2010 $2.20 Billed Deferred Previous Payments Purchases Interest Promo Interest Exp. Promotions Balance &Credits &Debits Charges Balance Charges Date DEFERRED INT W/PMTS $1,021.28 $0.00 $0.00 50.00 $1,021.28 $82.96 11/27111 Interest Charge Calculation You Annual Percents Rate APR is the amuel interest rate on your account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge PURCHASES 25.24% (dl(v) $105.65 $220 DEFERRED INT W/PMTS 25.24 % (d)(v) - $0.00 CASH ADVANCES 27.15% (dl(v) $0.00 $0.00 (v) - Variable Rate (d) • Daily (M) - Monthly ?AVI A G S! i?irs! FOR"YOU! Take advantage of special savings and exclusive events at www.sears.com/creditoffers. • Cardmember-only sales events • Special financing offers to shop now and pay later • Easy and convenient online access to your account Check now for new offers at www.sears.com/creditoffers. Visit often for updates. Sears 11sterCard" 015 a,1-Wo-669-8488 Manage your account and pay your bill at www.soarsardcom Write to us at PO Box 6282 Sioux Falb, SO 57117282 DOROTHY L SHIPI Fv Account Number 8846 Page I of 4 Summa of Account Activity Previous Balance $1,761.65 Payments -$30.00 Other Credits -$20.52 Purchases +$1.739.93 Cash Advances $0.00 Fees Charged $0.00 Interest Charged +$32.61 New Balance $3,483.67 Past Due Amount $0.00 Credit Limit $6,500.00 Available Credit $2,952.00 Cash Advance Limit $50.00 Available Cash Limit $50.00 Amount Over Credit Limit $0.00 Statement Closing Date 10/17/2010 Days in Bitting Cycle 31 To redeem your points, go to www.searschoicerewards. coon or call 1-888-846-7928. Payment Due Date 11/13/2010 Malled Payment Information goaddpse for Payments Parried due dale New Balance $3,463.67 Minimum Payment Due $67.61 Payment Due Date 11/13/2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35.00. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and It will take you longer to pay off your balance. For example: 611 the: - ::And you.wW • :: . $143 3 years ;5,156 I you would Ike information about credit counseling services. call 1-877-337-8187 'ifYo .u make:rto'addAional.-: :-:Yoitw8l:PaY " . i.esiisiiig;thit3:caid: tialarloesfioYVn:oii'tfii§ p:payingan =and each rtiortth you ply.:..: : statement din about.:: estimated total of:.: Only the minimum payment 24 years $10r696 (Savings= $5,740) Your Sears Choice Rewards Summary Adjustments to Reward Points 0 Previous Reward Points Balance 1,851 Reward Points Earned This Period 1.878 Reward Points Redeemed This Period D Ending Reward Points Balance 3,729 Reward Points -Expiration Dale 3,729 05/2ot4 0 0512075 0 05/2016 0 05/2017 YOU MUST PAY YOUR PROMOTIONAL BALANCE OF $7021.28 IN FULL BY 11/27/11 OR THE PAYMENT DUE DATE FOR THE BILLING CYCLE IN WHICH THE PROMOTION EXPIRES, WHICHEVER IS LATER, TO AVOID PAYING DEFERRED INTEREST CHARGES. Transactions Trans Onto Post Deb Description Amount 09/18?10 09/18/10 HEALTH PORT 770-3601700 GA 48.24 09/20/10 09/20/10 PAYPAL 'JONATHANWCR 4029357733 CA 300.00 09/20/10 09/20/10 TURKEY HILL 90266 069 HARRISBURG PA 25.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION This Account Is Issued by Citibank (South Dakota), N.A. Payment Minimum Please delech this portion and realm wlh your payment to Insure proper Qetlll. Retain apps aortbn for your records. Sears MasterCard® Account Number: 8846 New Balance Due Date Payment Due Amount Encloised $3 483.67 11/13/10 $67.61 71 0119794 10 145789B 10290 27X5503 FVG 001 7 N 1111111111111111 11 rlllhlll1ll1ll1lllln11llll1llJill urtlddJl Ir1+1l11lllrrlt??ll?lll?ttlltrl'I?IIII11l11lI1I1II1II111lr11111 Make chock Payable to DOROTHY L SHIPLEY SEARS CREDIT CARDS 43 BUTTONWOOD LN PO BOX 183082 CARLISLE PA 1 701 5-7803 COLUMBUS, OH 43218-3082 Please make address changes on reverse side. 100 8846 0348367 OD06761 0003000 1018 0 Information About Your ACCOUnL Now to Avoid Poll bttoreat on PMMSM. You payment due date Is at least 25 days after the close of each bill" cycle. We will not charge you any interest on purchases p you pay you New Balance by the payment due date each mantle This is called a grace period on purchases. If you do not pay the New Balance in full by the payment due date, you will not get a grace period on purchases until you pay the New Balance in full for two billing cycles in a row. We will begin charging interest on cash advances and balance transfers (d available on your accourd) on the transact ion date. If you have a balance subject to a deterred interest promotion and that prarotion does riot expire before the payment due date, that balance (the "excluded promotional balance') is excluded from the amount you mist pay in full to get a grace period. Howem. you must stil pay any separately required payment on the excluded prortrotion. In billing cycles in which payments are allocated to deferred interest balances first the deferred nteresi balance will be reduced before any other balance on the amount. Howevur you will continue to get a grace period on purchases so long as you pay the New Balance less any excluded promotional balances in full by the payment due date each billing cycle. in addit ion. certain promotional offers may take away the grace period an purchases. Other promotional offers rot described above may also allow you to have a grace period on purchases without having to pay all or a portion of the promotional balance by the payment due date If either is the case, the promotional offer will describe what happens, How We Calculate Ykxu Balsam SubW to Interest Rate We use a daily balance method (including current Iransadions) to calculate interest charges. To find out more information about the balance computation method and how the restritig interest charges were determined, contact us at the "Cap us at" number on the front- Inteml: Chargaef. The Merest Charged on Richases shown on the front includes the interest changed on all purchases and balance transfers (it balance transfers are available con your account). Transaction Date. The Transaction Date shown on the statement is also the Sale Date Mei nbembip Fee. To avoid payirg this fee. notify us that you are closing you accorut within 30 days of the mailirg or delivery date of the statement on which the fire is billed It Your Account Is Subject To The Penalty APR Now long Will The Pensdtyr APR Apply? The Penalty APR will apply until you make ti consecutive minimum payments on t irne and do rot go over you credit Irolt or make a payment that Is returned or do any of these things on another account that you have with us Arina that time period. The Fan Ity APR may end sooner in accordance with your card agreement of p required by applicable law. Credit Reporting Dispubes.If you Idyll we reported inaccurate infomalbn to a credit bureau write us at "kite to us at7 address shown on the front. Report a lost or Stolen Card Immediately. Call the "Call us at" number shown on the from. what To Do if You Think ft rind a Mistake on Your Statement If you think there is in error on you statement write to us at the address slim on the from where it says "Write to us al." in you letter. give us the following Inlarmatlon Account informatiorc Yet name and account number. pao)?arnoun ollar amount of the suspected error. Descriotion of Problem: It you think Uwe is an error on your bi4 describe what you believe is wrong and why you believe it is a mistake ff you send an e6rob dfn:k with this paydneirt mayor, you auttrorire us to complete your paynetrt by *Wrooic debit. It we do, Tire CIN Kking account will be debited in the amount on the chKL We may do this as soar as the day we receive the CbecL Also, the dmeck will be destroyed, Copy Fee We doge $3 for each copy all a billing statement that dates bad 3 months or more We add the fee to the regular purchase balarhrn_ We waive the tee if you request for the copy relates to a biII error or disputed purchase. Payment Options Ottw Than Regular Nail Oalm PaynatL Visit www.SearsCard.com and sign up for online payments. Enrodmert may take a few days 11 we receive your request to make an online payment by 5 p.m Eastern time. we will credit you payment as of that day. If we receive you request to make an online payment after that tine, we will credit your payment as of the next day. For security reasons, you may be. cable to pay your entie New Balance with your fist online payment. Pay by Phone SwOm You may use this service any time to make a payment by phone. You will be charged SM95 if a representative of ours helps expedite your payment. Cap by 5 pun. Eastern time to have your payment credited as of that day. 0 you call after that time. you payment will be credited as of the next day. We may process you payment electronically after we verily you identity. Express Payments. You can send payment by cour let or express mail to the Express Payments Address. This address is Payments Department, 6M Bollonfield Street Colum)us, OH 43228 Payment must be received in proper form al the proper address by 5 pm. Eastern time to be credited as of that day. All payments received in proper form at the proper address after that time will be credited as of the next day. • You must contact us within 60 days after the error appeared on you statement You must notify as ot any potential ei roes in wrtin0- You may cap us, but f you do we are not required to investigate any potential Errors and you may have to pay the amount in quest ion While we investigate whether or not there has been an error, the following are true We cannot by to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on you statement and we may continue to charge you Interest on that amount. But. it we determine that we made a mistake. you will not have to pay the amount in question or any interest or other tees related to that amount. Nile you do not have to pay the snout in question. you are responsible for the remainder of your balance We can apply any unpaid amount against you credit ImiL Your (tights if You Are Dissatisfied with Your Cram Card Parcluses it you are dLCSatistied with the goods or services that you have purchased with you credit card. and you have tried in good faith to correct the problem with the merchant, you may rave the right not to pay the remaining amount due on the purchase. To use this right. all of the following must be true: I The purchase mast have been made in you hone state or within 100 miles of you current mailing address. and the purchase price must have been more Iran S50. Mote: Neilleer of these are necessary it you purchase was WwA on an advertisement we mailed to yet or it we own the company that sold you the goods or services 2. You must have used you credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses you credit card account do not quality. 3. You must rot yet have fully paid for the purchase. d all of the criteria alcove are met and you are still dissatisfied with the purchaser contact us in writing at the address shown on the front where it says "Write to us at" While we investigate. the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision. Al trial Polk, p we think you owe an amount and you do not pay we may report you as delinquenL Important Payment Imili uctioas. Crediting lsaywrnILL p we receive you payment in proper form at our processing facility by 5 pert local time there. A will be credited as of that day. A payment received there in proper form after that time will be credited as of the next day. Allow 5 to 7 days for payments by regular mail to reach us. There may be a delay of up to 5 days in credit ig a payment we receive that is rat in proper form or Is not sent to the correct address. The correct address for regular mail is the address on the front of the payment coupon A payment made "ore is not sent to the correct address. The correct address for courier or express mail is the Express Payments Address shown below. Proper tam For a payment sent by map or cour ier to be in proper form you must: Entim a valid check or money order. No cash. gill cards, or foreign currency please Induce you name aril account nunter on the front of you check or money order. SMC/TGIISCC/SCP/NIPs 10/10 ClEG6057 - 2 -1V04/2010 New Address If your address has changed, please print any changes below. Name: Street Address: City, State, Zip: Phone: SMC/TGIISCC/SCP/NIPs 10110 Sears aterCard" 0. at 143W-.CM-8488 Manage your account and pay your bill at www.searscardcom Write to us at PO Box 6282 Sioux Falls, SD 57117-6282 DOROTHY L SHIPLEY Account Number. XXXX XXXX XXXX 8846 Payment Due Date Page 2 al 4 ' 119/94 1111312010 Transactions Trans Date Post Date Description Amount 09/24/10 09/24110 WAL-MART #1886 OPS MECHANICSBUR PA 62.14 09/28/10 09/28/10 WAL-MART 91886 On MECHANICSBUR PA 79.23 10/02110 10/02/10 AAA CENTRAL PENN 07176572244 PA 193.00 10/1)4/10 10/04/10 LOWES #01710' CARLISLE PA 33.75 10/06/10 10106110 WAL-MART 01886 On MECHANICSBUR PA 28.14 10/06/10 10/06/10 U-HAUL-CTR-CARLISL OPS CARLISLE PA 82.42 10/06/10 10/06/10 U-HAUL-CTR-CARLtSL CPS CARLISLE PA -20.52 10/06/10 10/86/10 HARBOR FREIGHT TOOLS 1 HARRISBURG PA 15.08 10106110 10/06/10 HESS 38357 038 CARLISLE PA 26.00 10/06/10 10106/10 THE HOME DEPOT 4120 MECHANICSBURG PA 12.59 10/013/10 10/08110 WAL-MART 1$1886 OPS MECHANICSBUR PA 24.83 10/08/10 10/08/10 AUTOZONE #1953 On MCFIANICS13URG PA 34.93 10/08/10 10/08/10 ADVANCE AUTO PARTS 054 MECHANICSBURG PA 11.65 10/08/i0 10/08/10 KMART 04275, MECHANICSBURG PA 67.07 10/09/10 10/09/10 HESS 38357 038 CARLISLE PA 10.00 10/10/10 10/10/10 VERIZON WRLS D0315-01 BRANCHBURG NY 31.78 10/11/10 10/11/10 OEM/PARTSBIN 08882790267 CA 5128 10/11/10 10/11/10 PAYMENT -THANK YOU -30.00 10/13/10 10/13/10 PAYPAL 'JONATHANWCR 4029357733 CA 600.00 Fees TOTAL FEES FOR THIS PERIOD 0.00 Interest Charged 10117/10 10/17/10 Interest Charge on Purchases Interest Charge on Cash Advances TOTAL INTEREST FOR THIS PERIOD 2010 Totals Year-to-Date Total Fees Charged in 2010 $0.00 Total interest Charged in 2010 $34.81 Billed Deterred Previous Payments Purchases Interest Promo Interest Promotions Balance &Credhs BDebits Charges Balance Charges DEFERRED INTW/PMTS $1,021.28 $0.00 $0.00 $0.00 $1,02128 $105.88 32.61 0.00 32.61 Erb. Date 11/27/11 Sears OsterCard" *s at 1-M41a941488 Manage your account and pay your bill at www.soarscordcom Write to us at PO Box62112 Sioux Fells, SD 57117-8282 DOROTHY L SHIPLEY Account Number. XXXX XX)O( XXXX 6846 Payment Due Date Page 3 of 4 1197W 11/13=1Q Interest Charge Calculation Your Annual Percents Rate APR is the annual interest rate on our account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge PURCHASES Regular 25.24% (d)(v) $1,521.20 $32.61 DEFERRED INT W/PMTS 25.24% (d)(V) - $ODO CASH ADVANCES Regular 27.15% (d)(v) $0.D0 $0.00 (v) = Variable Rate (d) a Daily (m) = Monthly Sears OsterCar& 4ks at 1.4300-69-8486 Manage your account and pay your bill at www.searscardcom Write to us at PO Box 6262 Sioux Fats, SD 57117-6282 DOROTHY L SHIPLEY Account Number XXXX XXXX %XXX 8846 Payment Due Date Page 4 of 4 119794 11/1312010 Important Changes to Your Account Terms The following is a summary of certain changes that are being made to your account terms. These changes will take effect on 12/18/10. For more detailed information, please refer to the enclosed Notice of Change in Terms and Right to Opt Out. You have the right to reject these changes. However, if you do reject these changes, you will not be able to use your account for new transactions. You can reject the changes by calling us at 1-877-718-2851. increasing the Minimum Payment Due for any minimum payment calculated after the effective date; we are changing the Returned Convenience Check Fee to up to $35; and we are changing the Arbitration provision. Revised Terms as of 01 /17/11 How We Calculate Wi11 Your Balance Daily Balance (including current transactions). Balance Transfer Fee Either $10 or 50A of the amount of each tra nsfer, whichever is rester. Late Fee U to 5 Returned Check Fee U to ges also include The char the following , which will take effect on 12/18/10: we are Sears aterCarcr DOROTHY L SHIPI Fv Account Number. Page 1 of 3 Summa of Account Activi Previous Balance $3,483.67 Payments -S100.00 Other Credits -$392.59 Purchases +$2,010.50 Cash Advances $0.00 Fees Charged $0.00 Interest Charged + $71.17 New Balance $5,072.75 Past Due Amount $0.00 10s at 1 X00-869-"W Manage your account and pay your bill at www.searscard.com Write to us at PO Box 6282 Sioux Falls, SD 5 711 7-6M2 8846 Payment Due Date 12/13/2010 I Pavment Information im ad" for Devmants W Ur wvmenl due ml.! New Balance 55,072.75 Minimum Payment Due $122.17 Payment Due Date 12/1372010 Late Payment Warning: it we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35.00. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Crest Omit $6,500.00 if yon: maka3.rw additional You wll:pay off ttie: And you:wtl Available Credit $1,427.00 !r!g ttiiS:Ctifd ..: . tiAliVlCe BtiCYYn:ofl:tit!a ?iP.p3yilip Aft e ,n_ Cash Advance Limit $50.00 -and each month you.pay.:..: : stetemenfin about.:: . ..... estimated total ot. ............. Available Cash Limit $50.00 Only the minimum payment 27 years $15 963 Amount Over Credit Omit 50.00 Statement Closing Date 11/16/2010 $208 3 years $7,471 Days in Billing Cycle 30 (Savings= $8.492) If you would Ike information about credit counseling services, call 1-877-337-8187 To redeem your points, go to www.searschoicerewards.com Your Sears Choice Rewards Summary or call 1-888-846-7928. Previous Reward Points Balance 3,729 Reward Points Earned This Period 2,165 Adjustments to Reward Points 0 Reward Points Redeemed This Period 0 Ending Reward Points Balance 5,894 Reward Points -Expiration Date 5,894 05/2014 0 05/2015 0 05/2016 0 05/2017 YOU MUST PAY YOUR PROMOTIONAL BALANCE CF $1021.28 IN FULL BY 11/27/11 OR THE PAYMENT DUE DATE FOR THE BILLING CYCLE IN WHICH THE PROMOTION EXPIRES, WHICHEVER IS LATER, TO AVOID PAYING DEFERRED INTEREST CHARGES. Transactions Trans Date PostDats Description Amount 10/16/10 10/18110 WAL-MART #1886 MECHANICSBUR PA 63.10 10/18/10 10/18/10 REWARDS FEE 1.00 10/19/10 10/19/10 HESS 38357 CARLISLE PA 26.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION This Account Is Issued by Cklbank (South Dakota), N.A. Please detach IMs podlon and realm vdA your paymenl ioIrmre Draper credit. Retain WW Portion tar you remrds. Sears Mast^-f'-rer Account Number. 8846 Payment 66nimum New Balance Due Date Payment Due AmOUnt Enclosed F55,072.75 12/13/10 $122.17 0000000 10 10320 1 7X5503 FVG 001 7 N Ill 111111 1111411111111111 Make checkpayableto DOROTHY LSHIPLEY SEARS CREDIT CARDS 43 BUTTONWOOD LN PO BOX 183082 CARLISLE PA 17015-7803 COLUMBUS, OH 43218-3082 1111111 11111111 Jill Ill Ill Ill Ill Please make address changes on reverse side. 100 1846 0507275 0012217 0010000 1010 • I Information About Maur ACCOunt Now to Avoid Paying Interest on purchases, You payment due date Is at least 25 days after the close of each billing cycle. 0 will not charge you any Interest on purchases if you pay your New Balance by the payment due date each morYh This is called a grace period on purchases. I you do rat pay the New Balance in lull by the payment due date you will rot get a grace period on purchases until you pay the New Balance in full for two billing cycles in a row. we will begin charging interest on cash advances and balance transfers (d available on you account) on the transaction dale. If you have a balance subjed to a deferred interest promotion and that promotion does not expire before the payment due date, that balance (the 'exclcled promotional balance) is exctAed from the amount you must pay in fun to 0 a grace period. However, you must still pay any separately required payment on the excluded promotion in bitng cycles it which payments are allocated to deferred interest balances fist the deterred interest balance will be reduced before any other balance on it* account. However. you will Continue to get a grace period on pudu ises so in" as you pay the New Balance less any, excluded promotional balances in full by the payment due dale each trilling cycle. In addition. certain promotional offers may take away the grace period on purchases. Offer promotional offers not described above may also allow you to have a grace period on purchases without having to pay all or a portion of the promotional balance by the payment due date. If either is the case, the promotional offer will describe what happens Now We Calculate Your Balsom Subject to I Merest Rata We use a daily balance method (ncludirg current transactions) to calculate interest Charges To lind out more itormation about the balance computation method and how the resulting interest charges were determined. contact us at the "CaI us at" number on the front. Interest Charged. The Interest Charged on Pudases shown on the frond includes the interest charged an all purchases and balance transfers tit balance transfers are available on you account). Transaction Data The Transaction Date ~ on the statement is also the Sale Gate Membership Fee, To amid paying this fee notify us that you are closing you account within 30 days or the mailing or delivery date of the statement an which the fee is billed. If Yam Account Is Subject To The Penalty APR, How Long WHO The Penalty APR Apply? The Penalty APR will apply until you make 12 consecutive mrumm payments on time and do rat go over you credit limit or make a payment that is returned or do any of these things on another account that you have with us during that tine prod. The Penalty APR may end soon; in accordance with you card agreement, or d required by applicable law. Credit Reporting Disputes If you think we reported inaccurate information to a credit bureau write us at 'Write to us at' address shown on the frond. Report a Lost or Stolen Card Imme6etely. Call the "Cad us at" number shown an the front. Whd To Do R You Think You Pied a Mlstabe on Your Statement if you think there is an error an your statement, write to us at the address shown on the from where it says "Mite to us at:' In you letter. give us the following Information Account information: You name and accoum number. m la a doles amour of the suspected error. Description Problem It you think there is an error on your bilk describe what you believe is wrap and why you believe it is a mistake. it you send an eligible cheek with this paymer coupon, you authorize as to complete your payment by electronic debit It we do. the checking account will be debited in the amaat am the check We may do this as soon as the day we Me" the :beck Afro, the d" VAN be destroyed Copy Fear We Charge S3 tar each copy at a billing statement that dales back 3 moneys or more We add the fee to the regular put Chase balm. We waive the tee it your request for the copy relates to a billing error or disputed purchase. Paymrt options Other Than An der Mail. Online Payments. Visit wwwSursCardaom and sign up for online payments. Enrollment may take a few days. N we receive per request to make an online piryme t by 5 perm. Eastern time. we will credit your paynterd as of that day. If we receive you request to make an online payment after that firm we will credit your payment as at the next day. For security reasons, you may be unable to pay your entae New Balance with you fist online payment. Pay by Phone Service. You may use this service any time to make a payment by phone. You will be charged $1495 if a nepreesentathve of ours helps expedite your payment. Call by 5 pm. Eastern time to have you payment credited as of that day. d you cat after that lime you payment will be Credited as of the next day. We may process you payment electronically after we verify your identify. Express payments. You can send payerlent by courier or express mail to the Express Payments AddrM This address is Payments Department, WD Bodordield Street Columbus. ON 43229 Payment must be received in proper form at the proper address by 5 pm. Eastern time to be credited as of that day All payments received In proper form at the proper address after that tine will be credited as of the next day. n You must Conrad us within 60 days after the Error appeared on your statement. You must notify us of any potential errors in writing . You may cap us, but if you do we are not required to Investigale any potential errors and you may have to pay the amourd in question While we investigate whetter or rat there has been an error, the following are true: We carat try to coded the amount in quest ion or report you as delinquent on that amount. The charge in eptestion may remain on your statement, and we may continue to charge you Interest on that amount. But, d we determine that we made a mistake, you will not have to pay the amount in question or any Interest or other tees related to that amount. While you do rat have to pay the amourd in question, you are responsible tar the remainder of you balarim Vile can apply any unpaid amount against you credit limit. You jMs H You Are Disulisfad Wtth Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with you credit card, and you have tried in good faith to correct the problem with the merchant. you may have the right rat to pay the remainang amount due on the purchase to use this right at of the following roust be true: 1. The purchase must have been made in your dome state or within 100 miles of your current mailing address, and the purchase price must have been more than S50. (tote: tleihrr of these are necessary it you purchase was based on an ahfverlbement we mailed to you, or it we ovn the company that sold you the goods or services.) 2. You must have used you Credit cad for the purchase. Purchases made wth cash advances from an ATM or with a check that accesses you credit card account do not qualify. 3. You must rat yet have fully paid for the purchase- d all of the criteria above are met and you are stilt dissabsrred with the purchase, contact errs in wrilna at the address shown on the front where it says 'Wile to us at' While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation we will tell you our decision. At that point If we think you owe an amount and you do not pay we may report you as delinqurlL Important Paymeel Instructions. Crediting Paytrie is d vie receive you payment in proper form at our processing fanny by 5 pm. local time there it will be credited as of that day. A payrnml received there in props form after that time will be credited as of the next day. Allow 5 to 7 days for payments by regular mail to reach us. Thee may be a delay d up to 5 days in credit ng a payrnent we receive that is nor in proper form or Is not send to the correct address The correct address for regular mad is the address on the fiord of the payment coupon. A payment made restore is not sent to the correct address. The correct address for carrier or express mail is the Express Payrnents Address shorn below- Proper Form. For a payment sent by mail or tour ier to be in proper form you muse Enclose a valid check or money order No cash, gift cads, or foreign tlrrerlcy please Include you name and accent number on the front of you check or money order. SMC/T611SCC/SCP/HIPS 10AO CIEG6057 - 2 - R/0412010 New Address If your address has changed, please print any changes below. Name: Street Address: City, State, Zip: Phone: SMC/TGI/SCC/SCPAlIPs 10110 Sears esterCar& *.all Manage your account and pay your bill at www.saarscardcom Write to us at PO Box 6282 Sioux Fags, S0,57117-6282 DOROTHY L SHIPLEY Account Number. XXXX XXXX XXIO( 8846 P ment Due Date Page 2 of 3 0 12/13/2010 Transactions 7ransDate Post Date Doscription Amount 10/19/10 10/19/10 WM SUPERCENTER CARLISLE PA 91.98 10/22/10 10/22110 CLKBANK'COM NRXMEP74 800-39D-6035 ID 39.97 10/22/10 10/22/10 CLKBANK'COM_NRXMEPZ4 800-390-60351D 39.97 10/23/10 10/23/10 HESS 38357 CARLISLE PA 27,09 10/24/10 10/24/10 1 LOWES 001710' OPS CARLISLE PA 21.56 10/25/10 10/25/10 PILOT 00007088 CARLISLE PA 2225 10/25/10 10/25/10 THE HOME DEPOT 4120 MECHANICSBURG PA 15.75 t0/26/10 10/26/10 WAL-MART $1886 MECHANICSBUR PA 2332 10/26/10 10/26/10 PA DRIVERIVEHICLE SERV 08009324600 PA 36.00 10/26/10 10/26/10 ADVANCE AUTO PARTS 954 MECHANICSBURG PA 14.41 10127/10 10/27/10 LOWES 201710' CARLISLE PA -17.98 10127110 10127/10 CLKBANK'COM REFUND 800-390-6035 ID -39.97 10127/10 10/27/10 CLKBANK'COM_REFUND 800-39D-60351D -39.97 10/27/10 10127/10 GIANT FOOD 17112 CARLISLE PA 35,71 10/27/10 10/27110 WM SUPERCENTER CARLISLE PA 51,90 10/28/10 10/28/10 PAYPAL 'TOYHEAOAUTO 402-935-7733 CA 159.00 10/29/10 10/29/10 PILOT D9007088 CARLISLE PA 20,15 10/29110 10/29/10 WC 'JC WHITNEY CATALOG 800-469-3894 IL 83.97 11/01/10 11/01/10 ATTM *464006835932 081103310500 GA 190.97 11/01/10 11/01/10 PROGRESSIVE INS 80D-888-7764 OH 48.01 11/02/10 11/02/10 ADVANCE AUTO PARTS 212 CARLISLE PA 137.79 11102/10 11/02/10 ADVANCE AUTO PARTS 254 MECHANICSBURG PA 10.59 11/03/10 11/03/10 WAL-MART #2574 CARLISLE PA 125.84 11/03/10 11/03110 WC'JC WHITNEY CATALOG 800-469-3894 IL 48.97 11/04/10 11/04/10 PILOT 00007068 CARLISLE PA 30,00 11/134/10 11/04/10 PAYPAL 'CRtSPASSOCI 4029357733 CA 300.00 11/07/10 11/07/10 PAYMENT -THANK YOU -100.00 11/09/10 11/09/10 WC'JC WHITNEY CATALOG 800-469-3894 IL 91.98 11/10/10 11/10/10 AUTOZONE #1849 CARLISLE PA 109,88 11/10/10 11110/S0 ADVANCE AUTO PARTS #12 CARLISLE PA -137.79 11/11/10 11/11/10 AUTOZONE 01849 CARLISLE PA -103.68 11/11/10 11/11/10 AUTOZONE 91849 CARLISLE PA 47,70 11/11/10 11/11/10 AUTOZONE #1849 CARLISLE PA -47.70 11/11/10 11/11/10 ADVANCE AUTO PARTS 112 CARLISLE PA 44.73 11/12/10 11/12/10 ADVANCE AUTO PARTS 712 CARLISLE PA -5.30 11/13/10 11/13/10 ADVANCE AUTO PARTS 212 CARLISLE PA 2691 11/15/10 11/15/10 PILOT 00007088 CARLISLE PA 30.00 Fees TOTAL FEES FOR THIS PERIOD 0,00 Interest Charged 11/16/10 11/16/10 Interest Charge on Purchases 71.17 Interest Charge on Cash Advances 0.00 TOTAL INTEREST FOR THIS PERIOD 71,17 a ' * Sears terCard s at 1-800-689^8988 Manage your account and pay your bill at www.searscardcom Write to us ad PO Box 6282 Sioux Falls, SD 57117-8282 DOROTHY L SHIPLEY Account Number. XXXX XXXX XXXX 8846 Payment Due Date Page 3 of 3 n 12/13/2010 2010 Totals Year-to-Date Total Fees Charged in 2010 $0.00 Total Interest Charged in 2010 $105.98 Billed Deferred Previous Payments Purchases Interest Promo Interest Exp. Promotions Balance 6Credits BDebits Charges Balance Charges Data DEFERREDINTWiPMTS $1,02128 50.00 $0.00 $i0.D0 $1,021.28 $130.52 11/27/11 Interest Charge Calculation Your Annual Percentage Rate APR is the annual interest rate on our account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge PURCHASES Regular 2524% (d)(v) $3,431.05 $71.17 DEFERRED INT W/PMTS 25.24% (d)(v) - $0.00 CASH ADVANCES Regular 27.15% (d)(v) $0.00 50.00 (v) = Variable Rate (co = Daily (m) = Monthly Sears f1sterCae *- at 14300-6159-iM Manage your account and pay your bill at www.searscerdcorn Write' a us at PO Box 6282 Sioux Falls, SO 57117-6282 DOROTHY L SHIPI Fv Account Number. 8846 Page 1 of 3 Summa of Account Activi ty Previous Balance $5,072.75 Payments -$125.00 Other Credits $0.00 Purchases +$976.42 Cash Advances $OAO Fees Charged $0.00 Interest Charged +1112,53 New Balance $6,036.70 Past Due Amount $0.00 Credit Limit $6,500.00 Available Crack $463.00 Cash Advance Limit $50,00 Available Cash Lirnit $50.00 Amount Over Credit Limit $0.00 Statement Closing Date 12/21/2010 Days in Billing Cycle 35 To redeem your points, go to www. searschoicerewards. com or call 1-888-B46-7928. Payment Due Date 01/17/2011 Malled pa s mry racolund by 5 00 PM al Pa merit Information (headraesa for pa ants the parnert due dale New Balance $6,036.70 Minimum Payment Due $173.53 Payment Due Date 01/17/2011 Late Payment Warning: If we do not receive your rninimum payment by the date listed above, you may have to pay a late fee up to $35.00. Minimum Payment Warning: 0 you make orgy the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: : II you: make alb adcRionai: • :You w171: pay off the: : Ai)d you.wifl oh. geausinglhis:cartJ':! tialtuticetttjowri:oh:ttiis .::°t3ridup:payrinp an -and each=month you pay.:-- : : stmemenl ili abouL ........... estimaied total ot.. ............. Only the minimum payment 28 years $18,891 $247 3 years $8,896 (Savings= $9,995) t1you would like information Z-mt credit counseling servfa s-, ca 1-877-337-8187 Your Sears Choice Rewards Summary Previous Reward Points Balance 5,894 Reward Points Earned This Period 1,328 Adjustments, to Reward Pants D Reward Points Redeemed This Period 0 Ending Reward Points Balance 7,222 Reward Points -Expiration slate 7,222 05/2014 0 D5/2015 0 05/2016 0 05/2017 YOU MUST PAY YOUR PROMOTIONAL BALANCE OF $1021.28 IN FULL BY 11/27/11 OR THE PAYMENT DUE DATE FOR THE BILLING CYCLE IN WHICH THE PROMOTION EXPIRES, WHICHEVER IS LATER, TO AVOID PAYING DEFERRED INTEREST CHARGES. Transactions Trans Date Post Date Description Amount 11/2(1/10 11/20/10 ADVANCE AUTO PARTS 954 MECHANICSBURG PA 4027 11/23/10 11/23/10 HEALTH FORMULA, INC 09549215591 FL 57.90 11/26/10 11/26/10 DELIVERY CHARGES 23190 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION This Account is Issued by Citibank (South Dakota(, N.A. Please delmh atls poebn and refuel wndi your payffWK to Imen9 Proper ne?l. Retain upper poAbn hr your records. Sears Mastercarre Account Number, 8846 New Balance Due Daft Payment Due Amount End)sW $6,036.70 01/17/11 F $173.53 0000000 13 10355 1 TXS5M FVG 001 7 N ("III??IIIIInIIht,InrllLll'II'I1111rILrdllllrllll'Illll'Il Make check payable to DOROTHY L SHIPLEY SEARS CREDIT CARDS PO BOX 346 PO BOX 183082 NEW KINGSTOWN ?A 17072-0346 COLUMBUS, OH 43218-3082 rI'Illlullll"Illllhll'dllr'llull'llll?ln' Please make address changes on reverse side. h hlh lll'hllll 100 8846 0603670 0017353 0012500 1314 LJ Itrforosation Abort Your AcotarL Now to Avoid Paying Inb rest on Purchases, your payment due date Is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases R you pay your New Balance by the payment due dale each month This is called a grace period on purchases K you do not pay the New Balance in full by the payment due date, you will not get a grace period on purchases until you pay the New Balance in full for two biting cycles in a row. We wilt begin charging interest on cash advances and balance iransf ers (d available on your account) on the transaction date. If you have a balance subject to a deferred interest promotion and that promotion does not expire before the payment die date, that balance (the "excluded promotional bala cel is excluded from the amount you must pay n full to get a grace period. However, you must still pay any separately requied payment on the excluded promotion. In billing cycles in which payments are allocated to deferred irtermt balances first, the deferred interest balance wig be reduced before any other balance on the amount However you will continue to get a grace period on purchases so long as you pay the New Balance less any excluded promotional balances in full by the payment due date each billing cycle. In addit ion, cerlan promotional offers may take away the grace period on purchases. Other promotional offer nct described above may also allow you to have a grace period on purchases w thout having to pay an or a portion of the promcilional balance by the payment due date. If ether is the case, the promotional offer will desci be what tippers. How We Calculate Your Balance Subiled to lotetest Rate We use a dainyr balance method (wiludig current trarsactiors) to calndate interest charges. To find out more information about the balance computation method and how the resulting interest charges were determined. contact us at the 'Cal us dl' number on the front. Interest Charged. The Interest Charged on Purchases shown on the front includes the interest charged an all purchases and balance transfers (it balance transfers are available on your accent). Transaction Date. The Transaction Date shown on the statement Is also the Sale Dale. Membership Fee To avoid paying this fee, notify us that you are closing your account within 30 days of the mailing or delivery date of the statement on which the fee is billed. If Your Amount Is Sibliect To The Penally APR, How tong will The Penalty APR Apply? The Penalty APR will apply until you make 12 conseolfve minimum payments on time ale do rat go over your credit lint or make a payment that is returned or do any of these thi ags on another account that you have with us during that fine period. The Penalty APR may end sooner n accordance with your card agreement, or i required by applicable law. Credit Reporting Disputes. R you thidd we reported iuaccuiate information to a credit bureau write us at "Offe to us at" address shown on the front Report a Lost or stolen Card Immedatehy Call It* "Cab us at" number shown on the front. What To Do if Tow Think You Find a Mistake on Your Stabnwrrt if you think there is an error on your statement. write to us at the address shown on the front where 4 says 'Write to us at - In your letter. give us the foWng Information Account information: your name and account number. Ilar am a dollar amount of the suspected error. De uiritwn mbknr d you .fink there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. If you send in efigible check with tuts payment coupon, you autWze us to comt+lele your Payment by electronic debit. It we do, the checking accoarrt will be debited in the amount on the check. We away do this as soon as the day we receive the check. Also, the check will be destroyed CO" Fee: We charge $3 to each oxpy at a bihrig statement that dates bactd 3 moms or more We add the fee to the regular purdnase balance. We waive the tee t your request for the copy relates to a billing error or disputed purchase. Payment l ptions Other Than Regular Mall, Online Pap"Mis. Yisd wwwSmCardxom and sign up for online payments. Enrollment may take a few days n we receive your request to make an online payment by 5 p.m. Eastern time, we will credit your payment as of that day. If we receive your request to make an online payment after that tkne, we will credit your payment as of the next day. For security reasons, you may be unable to pay your entire New RaWnce with your fist online payment. Pay by Phone Service. You may use the service any time to make a payment by phone. You will be char gad $1495 it a representative of ors helps expedite your payment Call by 5 pm. Eastern tine to have your payment credited as of that day. A you call after that time your payment will be credited as of the next day. We may process your payment electronically after we rerify your identify. Express Payoreats You can send payment by courier or express mail to the Express Paymerds Address This address is Payments Department 1500 Monfield Street Columbus. OH 4322°. Payment must be received in proper form at the proper address by 5 pm. Eastern time to be credited as of that day. 01 payments received in proper tam at the proper address after that the will be credited as of the next day. Fl- I You must contact us within 60 days after the error appeared on your statement You must notify us of any polertiat errors in writing. You may cab us, but you do we are not Iegtrred to blvestigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: . We cannot try to collect the amount in question. or report you as delinquent On that amount. The charge it question may remain on your statement, and we may continue to charge you Interest on that amount But. d we determine that we made a mistake. you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question you are responsible for the remainder of your balance. We can apply any unpaid arm"[ against your credit limit. Your Rights 4 You Are Dissatisfied With Your Credt Card Purchases It you are dissatisfied with the goods or services that you have sed with you credit card, and you have tried in good faith to correct tproblem with the merchant you may have the right not to pay the remaining amount due on the purchase To use this right all of the following must be true: 1. The purchase must have been made in your tome slate of within 100 miles of your current mating address, and the purchase price must have been more than 550. (Note Neither of these are necessary if Your purchase was based an an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2 You must have used you credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not quality. 3. You must not yet have fully paid for the purchase. N all of the crteria above are met and you are still dissatisfied with the purcase, contact us in writ at the address shown on the front where it says -Wile to us at." While we investigate, the sane rules appy to the disputed amount as discussed above After we finish our investigation, we will tell you our decision. At that point. if we third; you owe an amount and you do not pay we may report you as delinquent important Payarent trntrnctiom. Crediting Payments. II we receive you payment in proper farm at our processing facelly by 5 pm total time there. K will be credited as of that day. A payment received there inproper form after that time will be credited as of the next day Allow 5 to 7 days far payments by regular mail to reachus. There may be a dewy of up to 5 days in crediting a payment we receive that is not in proper form or Is not sent to the correct address The correct address for regular mad is the address on the fiat of the payment coupon A payment made krstore is not sent to the correct address The correct address for courier or express mail is the Express Payments Address shown below. Proper Form. For a payment sent by mail or courier to be in proper Corm you must Enclose a valid check or money order. No cash, gift cards, or foreign currency please Include your name and account number on the front of your check or money order. SMC/TGI/SCC/SCP/HIPS 10/10 OIEG6057 - 2 -11/04/2010 New Address If your address has changed, please print any changes below. Name: Street Address: City, State. Zip: Phone: SMCITGI/SCMCPIHIPS 10110 Sears i1sterCard° &at1-M-s6g-u4as Manage your account and pay your Gill of www.eearscard.com Write to us at PO Box 6282 Sioux Fags, SD 5 711 7-626 2 DOROTHY L SHIPLEY Account Number: XXXX XXXX XXXX 8846 Payment Due Date Page 2 of 3 0 01/17/2011 Transactions Trans Date Post Data Description Amount SHOE, HOLIDAY TN, PLW, HLDAY TNK FRNT CARDI, S/S CAMP, HOODVST 11128/10 11/28/10 KMART 07840, NAPERVILLE IL 33.85 11129/10 11/29/10 COLLECTIONS ETC., INC. 620-584-80001L 47.71 11/30!10 11/30/10 RED'JFSSLNDN TEL ORD 800-819-0813 IN 85.98 12/02/10 12/02/10 HESS 38358 CARLISLE PA 29.00 12/03/10 12103/10 WC 'JC WHITNEY CATALOG 800-469-3894 IL 24.33 12/03/10 12/03/10 WC 'JC WHITNEY CATALOG 800-469-3894 IL 57.64 12100/10 12103/10 ADVANCE AUTO PARTS 954 MECHANICSBURG PA 8.47 12/03/10 12/03110 PROGRESSIVE INS 800-888-7764 OH 45.60 12/04/10 12/04/10 GIANT FOOD *005 MECHANICSBURG PA 5458 12/04/10 12/04/10 CHICK-FiL-A 902167 MECHANICSBURG PA 12.10 12/04/10 12/04/10 ATTM '464006835932 08003310500 GA 144.47 12/13/10 12/13/10 PAYMENT -THANK YOU -125.00 12116/10 12/16/10 WC 'JC WHITNEY CATALOG 800-469-3894 IL 65.54 12/20/10 12/20/10 ONLY NATURAL PET STORE 720-4067475 CO 36.98 Fees TOTAL FEES FOR THIS PERIOD 0.00 Interest Charged 12/21/10 12/21/10 Interest Charge on Purchases 112.53 Interest Charge on Cash Advances 0.00 TOTAL INTEREST FOR THIS PERIOD 112.53 2010 Totals Year-to-Date Total Fees Charged in 2010 50.00 Total Interest Charged in 2010 $218.51 Billed Deferred Previous Payments Purchases Interest Promo Interest Exp. Promotions Balance ACredits ADebits Charges Balance Charges Date DEFERRED INTW/PMTS $1,021.28 $0.00 $0.00 $0.00 $1,021.2B $158.73 11/27/11 Donate Today ask a store associate or go to sears. com/heroesatho me T opo HERO +S at Home WlshRegistry 00 eONNUM "AW TO THE *UH FEGROW ME Nor M%omuenelE trees P*0V r oowvwa wueE GaTRBUIID M MU M Woomy ` Imse el ne r;rw 6 SE-00 arr rwros aff atorF A4aoaaE art FOR woorutr Max Sears astercarcr *. at 1 -SW-4962-8488 Manage your account and pay your bill at www.ssarscard cons Write to us at PO Box 6282 Sioux Falls, SO 57117-6282 DOROTHY L SHIPLEY Account Number. XXXX XX)O( XX)X 8846 Pape 3 of 3 0 Payment Due Date 01!17!2011 Interest Char a Calculation Your Annual Percents Rate APR is the annual inwrest rate on our account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge PURCHASES Regular 2524% (d)(v) $4,649.66 $112.53 DEFERRED INT W/PMTS 2524% (d)(v) - $o-on CASH ADVANCES Regular 27.15% (d)(v) $0,00 $0.00 (v) = Variable Rate (d) - Daily (m) = Monthly Sears liSterCard" 0s at 1-SOa-6e111-8488 Manage your account and pay your big at www.seamcard.com Write to us at PO Box 6282 Sioux Falls, SD 57117-6282 DOROTHY L SHIP[ ;:V Account Number, 3846 Page 1 of 2 Summa of Account Activit y Previous Balance (6,036.70 Payments -$175.00 Other Credrns -$57.64 Purchases +S233.64 Cash Advances $0110 Fees Charged $0.00 Interest Charged +$107.88 New Balance $6,145.58 Past Due Amount $0110 Credit Limit $6,500.00 Available Credit $354.00 Cash Advance Limit $50.00 Available Cash Limit 550.00 Amount Over Credit Limit $0.00 Statement Closing Date 01121/2011 Days in Billing Cycle 31 To redeem your points, go to www.searsch oicerewards. corn or call 1-888-846-7928. Payment Due Date 02/17/2011 7--- PIN a friull be Payment Information are addfb= tar peymems by Ilia °oa lanam due rule New Balance S6.1/5.58 Minimum Payment Due $169.88 Payment Due Date 02/17/2011 Late Payment Warning: M we do not receive your minimum payment by the date listed above, you may have to pay a late tee up to $35. Minimum Payment Warning- it you make orgy the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example. # you: rnake.nb :additional :You wiN:pay off this And you:will • oiiarges iisiiig3Ftis:oarcE :'. balanbe:shtWdofl:ttiis .:.'en uP:Parng,an .and sash:rnonth ?rou:pay.:..: : stetemeritT ekiout.:, ............. e6tirnated total of::.. . .......... . . Only the minimum payment 28 years $19,285 $252 3 years $9,089 (Savings= $10,196) If you would like information about aedn counseling services, call 1-877-337-8187 Your Sean Choice Rewards Summary Previous Reward Points Balance 7,222 Reward Points Earned This Period 401 Adjustments to Reward Points 0 Reward Points Redeemed This Period 0 Ending Reward Points Balance 7,623 Reward Points -Expiration Date 7,523 05/2014 0 05/2015 0 05/2016 0 05/2017 YOU MUST PAY YOUR PROMOTIONAL BALANCE OF $1021.28 IN FULL BY 11/27/11 OR THE PAYMENT DUE DATE FOR THE BILLING CYCLE IN WHICH THE PROMOTION EXPIRES, WHICHEVER IS LATER, TO AVOID PAYING DEFERRED INTEREST CHARGES. Transactions Trans Data Post Date Descrilod n Amount 12/23/10 12123/10 WC'JC WHITNEY CATALOG 800-469-3894 IL -57.64 12/29/10 12/29110 WAL-MART 01886 MECHANICSSUR PA 50.22 01/06/11 01/06/11 PETSMART INC 583 OPS MECHANICSBURG PA 9.00 01/16/11 01/16/11 PAYMENT -THANK YOU -17500 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION This Account Is Issued by Citibank (South Dakota), N.A. Pte"odetach U1k portion and raWin weh your payment to NUUra proper wed. Rnfsin tpper porton for your remrds. Sears MasterCard" Account Number. 8816 Payment Minimum New Balance Due Date Payment Due Amount Enoosed F$6,145-58 02/17/11 $169.88 l " .. DOW= 13 11021 1 7X5503 FVG 001 7 N IIIIIII III III 111 111111111111 11 Make aleck payable to DOROTHY L SHIPLEY SEARS CREDIT CARDS PO BOX 346 PO BOX 183082 NEW KINGSTOWN PA 17072-D345 COLUMBUS, OH 43218-3082 Please make address changes on reverse side IN111111111111IfI111 111111 11111 11111111 1till1111111111lIIII???' . 300 8846 0634558 0016988 0017500 1311 • IrdOMMt)on About Your Account Flow to Amid Paying Interest on Purchasm your payment due date is at least 25 days after the dose of each dlirg cycle. Nk will not charge you any interest on pu chases if you pay your New Balance by the payment due date each month This is taped a grace period on purchases p you do not pay the New Balance in full by the payment duce date, you will not get a grace period on purchases until you pay the New Balance in full for two hiring cycles in a row we vdM begin charging interest on cash advances and balance transfers (d available on your account) on the transaction date. 1 you rave a balance abject to a deferred interest promotion and that promotion does not expire before the payment due date. tlat balance (the "ackded promotional balance"3 s etcWed from the amazed you must pay n full to gel a grace period. However, you must slit pay any separately required payrneht on the excluded promotion. in filling cycles in watt payments are allocated to deferred merest balances frA the deferred interest balance will be reduced before any other balance on the account. However, you will continue to get a grace period on purchases so long as you pay the New Balance less any excluded promotional balances in full by the payment due date each billing cycle. In addition certain promotional otters may take away the grace period on purchases. Oltner promotional offers not described above may also allow you to have a grace period on purchases wRlout having to pay all or a portion of the promotional balance by the payment due date If ether is the case, the ofotrational offer will describe what happens How we calculate Your Balance SubW to Interest Rate We use a daily balance method (including current transactions) to calculate interest charges. To find out more information about the balance computation method and how the resulting interest charges were determined, contact us at the "Cal us at" number on the front. Interest Charged. The Interest Charged on Purchases shown an the front includes the interest charged on all purchases and balance transfers (if balance transfers are available on your account) Transaction Date. The Transaction Date shown on the statement is also the Souk Dole Membership fee. To avoid paying this fee natty us that you are closing your account within 30 days of the mailing or delivery dale of the statement on which the fee is billed It Your Account Is Subject To The Penalty APR, Now Long Wtl The Penalty APR Apply? The Penally APR will apply until you make 12 consecutive minimum payments on time and do not go over your credit limit or make a payment that Is returned or do any of these things on another account that you lave with us during that time period. The Penalty APR may end sooner in accordance with your card agreement, or if required by applicable law. Credit Rowting Disputes If you think we reported inaccurate information to a credit bureau write us at "Write to us it' address stfawm on the front. Report a tort or Stolen Cann ImnneckoW Call the `Call us at' mow shown on the frail. What To Do C You Think You rmd a Mistake on your Statement If you mink there is an error or your statement, write to us at the address shower on the front where d says "Write to us at" In your yeller, give us the fopawing Information Account information Your name and account nkrriber. I dolla arrount of the suspected error. Description Problem- N you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. If you send an efigibk check with this payment coupon, you authorize us to complete your payment by elactroak debIL If we do, the checking account will be debited in the amount on the check. We nay do this as soon as the day we rwA ve ttw cheek Also, the Mack will he destroyed Copy Fee. We charge $3 for each copy of a billing statement that dates back 3 montlrs or nary Vile add the fee to the regular purchase balance We waive the tee it your request for the copy relates to a billing error or disputed purchase. Payment Options Other Than Rogudar Mail Ordine Payments. Visit www.SeasCard tom and sign up for online payments. EnroarneN may take a few days If we receive you request to make an ochre payment by 5 pm. Ea stem time. we will credit your payment as of that day. If we receive your request to make an ortine payment after that time, we will credit your payment as of the next day. Far security reasons, you may be. unable to pay your enlie New Balance with your I ist online payment. Pay by Phan Service, You may use this service any time to make a payment by phone. You will be charged 51495 it a reps esentative of ours helps expedite your payment. Call by 5 pm. Eastern time to have your payment credited as of that day. t you call after that line, your payment will be credited as of the curt day. We. may process you Payment electronically after we verify your identity. Express Perymens You can send payment by courier or express mad to the Express Payments Address. This address is Payments Departmem 1500 Bonfield Street Columbus. OH 43228. Payment must be received in proper form at the proper address by 5 pm Easlern time to be credited as of that day. All payments received in proper form at the proper address after irat time will be credited as of the nett day. • You must contact es within 60 days after the error appeared on your staememt You must notdy, us of any potential errors in writina. You may call us. but d you do we are not required to investigate any potential errors and you may have to pay the amount it question. . While we in nsukate whether or not there has been an error, the following are true: We carrot by to collect the amount in question or report you as delinquent on that amount. The charge in question may retain on your statement and we may continue to change you interest on that amount. U. it we delermne that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. Whiki you do rot have to pay the amount in questiort you are responsible for the remainder of your balance, We can apply any unpaid amount against your credit limit Yalu Rlghts if You Are Dissatisfied With Vas, Gaunt Card Prachases t you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem wtn the merchant. you may have the right rat to pay the remaining amount due on the purchase. To use this right all of the following must be true: 1. The purchase must have been made in your home state or within Io0 tiles of you current maing address. and the purchase prim must have been more than 550. (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card accourd do not qualify. 3. You must not yet have fully, paid for the purchase. it all of the criteria above are met and you are still dissatisfied with the purchase contact us in writia at the address shown on the front where it sayi'Wrile to us at' While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation. we will tall you our dec son. At that polnt t we think you owe an amount and you do not pay we may report you as delinquent Imported Payment Instructions. Crediting Payfrwdt t we receive your paymerd in proper form at aer processig facility by 5 pm local time there it will be credited as of that day. A paymerd received there in proper form after that lime will be credited as of the next day. Allow 5 to 7 days for payments by regular mail to reach us. There may be a delay of up to 5 days in crediting a payment we receive that is not in proper form or Is not sent to the correct address. The correct address for regular marl is the address an the front of the payment coupon. A payment made in- tore is not sent to the correct address. The correct address for courier or express read is the Express Payments Address shown below. Proper tunic. For a payment sent by mail or courier to be it proper form you must: Enclose a valid check or money order. No cash, gift cads, or foreign currency please. Include your name and account number on the front of your check or money order. SMCITGI/SCC/SCP/HIPs 10/10 OIEG6057 - 2 -1T/041Z010 New Address If your address has changed, please print any changes below. Native: Street Address: City, State, Zip: Phone: SMC/m/sCC/SCP/HIPS 10110 Sears llsterCard® sks at 1-soo-IM_e.ea Manage your account and pay your big st www.vearscard.com Write ;o us at PO Box8282 Sioux Fags. SD 57117-6282 DOROTHY L SHIPLEY Account Number. XXXX XXXX XXXX 8846 Payment Due Date Page 2 of 2 0 02/17/2011 Transactions Trans Date Post Dale Description Amount 01/20111 01120/11 WAL-MART *1886 MECHANICSBUR PA 174.42 Fees Interest Charged 01121/11 01121/11 TOTAL FEES FOR THIS PERIOD INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES TOTAL INTEREST FOR THIS PERIOD 0.00 107.88 0.00 107.88 2011 Totals Year-to-Date Total Fees Charged in 2011 $O.DO Total Interest Charged in 2011 $107.88 Billed Deferred Previous Payments Purchases Interest Promo Interest Exp Promotions Balance 6 Credits & Debits Charges Balance _ Charges Date DEFERRED INT W/PMTS $1,021.28 $0.00 $0.00 $0.00 $1,021.26 $184.29 11 /27/11 Interest Char Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge PURCHASES Regular 2524% (d)(v) $5,032.61 $107.88 DEFERRED INT W/PMTS 2524% (d)(v) - $0.00 CASH ADVANCES Regular 27.15% (d)(v) $0.00 $0.00 (v) = Variable Rate (d) = Daily (m) = Monthly Great Savings On Nome Services Home services 800- 993-9856 0'' OF F SAVE $25 Any Cleaning Service $25 OFF Any Garage Door • FREE Estimates Carpet a upholstery Maintenance or Repair Service • Convenient Appointments Tile a Grout We Replace • Professional, Trained Technicians Air Duct Dryer Vent Broken Springs • Satisfaction Guaranteed searscleae.oorrt searsgaragedoors.caln Oeaisaete na aaaeak t a asp. Nei rfa wI'n y eae co" a dtr. Nrmm oat any awy. Ora reernmr M" 1". Ce ft aetai. vas -two vdzx ed. sews somw a' Sms ase"n a lum"s OessemeZIM1 t. Aapaev fly dwrV aer k asm. Sears lesterCard® 0s at 1-800-559-4Mea Manage your account and pay your bill at www.saarscard corn V,hite ;n us at PO Box 6252 Sioux Fans, SD 57117-8282 DOROTHY L SHIPI FV Account Number. 1846 Page 1 of 2 Summa of Account Activi ty Previous Balance $6,14558 Payments $0.00 Other Credits $0.00 Purchases +S376.79 Cash Advances $0.00 Fees Charged +$25.00 Interest Charged +$104-58 New Balance $6,651.95 Past Due Amount $169.88 Credit Limit $6,500.00 Available Credit -$151.00 Cash Advance Limit $50.00 Available Cash Umit $0.00 Amount Over Credit Umit S151.95 Statement Closing Date 0211 W2011 Days in Billing Cycle 28 To redeem your points, go to www.searschoicerewards.com or call 1-888-846-7928. Payment Due Date 03/17/2011 Payment Information th Muled e addM6 asp ?wu+e wymem duo cab New Balance $6,651.95 Minimum Payment Due $518.41 Payment Due Date 03117/2011 Late Paymeat Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late tee up to $35. Minimum Payment Warning: h you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: 11 you ritake:no'adcbo:nal : ' ::You wiN;pay otf (tie:. :.:.Aitd you:wiv.: : °::cliarp : usingthil:caid : balance;stiown:on:this '. `9ndup:payin_g:a.i: :and eat month you PaY::.: ' statii erl in eboiiL:: • ............ estimated total of:.. ............. Only the minimum Payment 22 years $19,873 $274 3 years $9,850 (Savings= $10,023) you would Ike information about credit counseling services, cal 1-877-337-8158 Your Sears Choice Rewards Summary Previous Reward Points Balance 7,623 Reward Points Earned This Period 510 Adjustments to Reward Points 0 Reward Points Redeemed This Period 0 Enring Reward Points Balance 8,133 Reward Points -Expiration Date 8,133 05/2014 0 05/2015 0 05/2016 0 05/2017 YOU MUST PAY YOUR PROMOTIONAL BALANCE OF $1021.28 IN FULL BY 11/27/11 OR THE PAYMENT DUE DATE FOR THE BILLING CYCLE IN WHICH THE PROMOTION EXPIRES, WHICHEVER IS LATER, TO AVOID PAYING DEFERRED INTEREST CHARGES. Transactions TransDats Post Date Description Amount 01/27/11 01/27/11 WAL-MART 91886 MECHANICSBUR PA - - 92.43 02/01/11 02/01/11 ATTM '464006835932 08003310500 GA 177.39 02AWI1 02105/11 1 B00 PETMEDS 800-7386337 FL 34.98 02/10/11 02110/11 TEL*ORGREENICS 808-777-4034 NJ 26,98 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION This Account is Issued by Citibank (South Dakotas NA Phase detach this portion end relum v#M your payment io lraum proper credtl. Retain upper portion for your reaxds. Sears Mastercart? Account Number 8846 New Balance Due Date Pint Due Amount Enclosed 5.95 03/t 7/11 $518.41 0000000 X 13 11019 1 TXS503 FVG 001 7 N III11111111111Qluln 111ltmlrhtih??h?l?ililln?l?liirll'I Make check payable to DOROTHY L SHIPLEY SEARS CREDIT CARDS 43 BUTTONWOOD LN PO BOX 183082 CARLISLE PA 17015-7803 COLUMBUS, OH 43218-3082 u?liiurPlitttli4lrullti??l??i Please make address changes on reverse side. ltl ill111ih iPih 11111 ldhi 100 '8846 0665195 0051841 0000000 1310 9 Information About Your Account. How to Avoid Paying Interest on Purchases. Your payment due date Is at least 25 days alter the close of each billing cycle. We will not charge you any interest on purchases if you pay your New Balance by the payment due date each month. This is taped a grace period on purchases. If you do not pay the New Balance in rill by the payment due date, you will not get a grace period on purchasesuntd you pay the New Balance in full for two biting cycles in a row. We will begin charging interest on cash advances and balance translers (it available on you account) on the transaction date. I you have a balance &W toadeferred interest prornotioo and that promotion does not empire gore the payment due date, that balance (the "excluded pfo wtioral balance) is uckded from the amount you must pay in full to get a grace period. However, you must st0 pay any separately required payment on the exluded promotion. In billing cycles in which payments are allocated to dinerred interest balances first the deferred merest balance will be reduced before any other balance on the accout. However. you will continue to get a grace period on purchases so long as you pay the New Balance less any excluded promotional balances In full by the payment due dale each billing cycle. in addition. certain promotional offers may tale away the grace period on purchases. Other promotional offers riot desutaed above may also allow you to lave a grace period on purchases wdhott having to pay all or a portion of the promotional balance by the payment due date. If ether is the case. the prowl lonal fifer will describe what happen. How We Cakdate Your Balance Subject to Interest Bate. We use a daily balance method including erred transadions) to calculate interest charges. To find out more iAormation about the balance computation method and now the resulting interest charges were determined, contact us at the "Call us at" nurber on the front. Interest Charged The Interest Charged on Purchases shown on the front inckides the interest charged on all purchases and balance transfers Ill balarKe transfers are available loin your account). Transaction Date. The Transaction Oate shown on the statement Is also the Sale Date Membership Fee. To amid paying this tee notte us that you are closing your account within 30 days of the mailing or delivery date of the statement on which the tee is Milled. It Your Account Is SuNect To The Pereaky APR, Clow Long Will The Pemity APR Apply? The Penally APR wig apply until you make 12 consecutive minimum payments on time and do not go over your credit limit or make a payment that Is returned or do any of these things on another account that you have with us during that 1nee period. The Peaty APR may end sooner in accordance with your card agreement ail required by applicable law. Credit Reporting Disputes. If you thin we reported inaccurate information to a credit bureau write us at -Mite to us at" address shown on the front. Report a Lost or Stolen Card Immediately. Call the 'Cal us at' number shmvn on the front. What To Do H You Think You Find a Mistake an Your Statement If you think titre is an error on you statement write to us at the address shorn on the front where t says 'MY ite to us at' In you letter. give us the following Information Account int tbrc You carne and account number. Aar out The dollar amount of the suspected or. ?u>saatioion of Problem- N you think there is an error an you bill, describe what you believe is wrong and why you believe it is a mistake. N you send an eligible dock with this aaybent coupon, you authorize us to complete yew psymerrt W eloctmaic debit If we do. the checking account will be detailed in the amount on the triode. We may do this as soon as the day we receive the cheek Also, the check will be destroyed Copy Fen We charge $3 for each copy d a billing statement that dates bark 3 months or more We add the fee to the regular purdase balance. We waive the fee if you request for the copy relates to a billing error or disputed purchase Payment Olaill Other Than Regular Mail. or" Payments. visit wwwSearsCard.corn and sign up for ON payments. Enrournerd may take a few days N we receive yore request to make an online payment by 5 pm. Eastern time. we will credit your payment as of that day. If we receive you request to make an orf ne payment after that tine. we will credit your payment as of the nest day. For security reasons, you may be cable to pay you entire New Balance with your fist onlne payment. Pay by Phone Sahli. You may use this service any time to make a payment by phone. You will be charged SM95 l a representative of ours helps apedite you payment Call by 5 pm. Eastern We to have your payment credited as of that day. I you call after that 1ine, your payment will be credited as of the nest day. We may process your payment electronically alter we verify, your identity. Express Payments You can send payment by courier or evess mail to the EKpness Payments Address. This address is Payments DeparlmeM,15DO Bohonfpld Street Columbus, OH 43226. - Payment must be received in proper form at the proper address by 5 pm. Eastern time to be credited as of that day. All payments received in proper form at the proper address after that time will be credited as of the next day. • YOU must contad us within 60 days alter the error appeared on your statement You must notfy us of any potential errors in wrti . You may call us. but t you do we are not required to Investigate any potential errors and you may have to pay the amount In question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount n question or report you as defnquent on feral amount. The charge in question may remain on your statement, and we may continue to ctwge you Interest on that amount. But. d we determine that we made a mistake, you will not have to pay the amount in question or any interest or oft fees related to that amount. While you do not have to pay the amount in question you are responsible for the remainder of your balance We can apply any unpaid amount against you credit limit Your Riggs it You Are Dissatisfied With Your Credit Card Purchases if you are dissatisfied with the goods or services that you have purchased with your credit card. and you have tried in good faith to correct the problem with the merchant. you may have the right not to pay the remaining amount due on Me purchase. Td use this right all of The following must be true: 1. The purchase must have been made in you tome state err within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Notes Neither of these are necessay if you purchase was based on an advertisement we mailed to you, or it we oven the cornim that sold you the goods or services) 2. You must have used you credit card for the purchase. Purchases made with cash advances from an ATM of with a check that accesses your credit card account do not quality. 3- You must not yet have fully paid for the purchase. p all of the criteria above are met and you are still dissatisfied with the purchaut contact la in writs at the address shown on the front where it says "1111riteto us at" While we irwestigale, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision. At that point. If we think you owe an amount and you do not pay we may report you as delinquent. tmportarf Payment Instructions. Crediting Payaeerds. I we receive you payment In proper form at our processing faulty by 5 phi fecal time there it will be credited as of that day. A payment received there in proper form after that time will be credited as of the next day. Allow 5 to 7 days fa payments by regular mail to reach res. There may be.. a delay of up to 5 days in credtieg a payment we receive teat is rot in proper form or If riot sent to the correct address. The coned address for regular mad is the address on the front of the payment coupon A payment made n•siore is not send to the correct address. The correct address for courier or express mail is the Express Payments Address shown below. Proper Foray. For a payment sent by mail or courier to be in proper form you mat: Enclose a valid check or money order. No casm gift cards, or foreign curency please Include you name and account number on the front of your check or money order. SMC/TGI/SCC/SCP/HIPs 10/10 OIEG6057 - 2 -11/04/2010 New Address If your address has changed, please print any changes below. Name: Street Address: City. State, Zip: Phone: SMC/TGI/SCC/SCP/HIPs 10/10 Sears fisterCardr o5 at 1,a00-861i-B4 8B Manage your account and pay your bill at www_cearcardcom Write to us at PO Box 6282 Sioux Falls, SD 57117-6282 DOROTHY L SHIPLEY Account Number. XX70( XX)X XXXX 8846 Payment Due Date Page 2 of 2 D 03/17/2011 Transactions TransDato Post Date Description Amount 02/10/11 02/10/11 SADLER HEALTH CENTER C CARLISLE PA 5.00 02/13/11 02/13/11 SHEETZ 00001958 MECHANICSBURG PA 25.00 02/14/11 02/14/11 LOVES TRAVEL S00004077 CARLISLE PA 15.01 Fees 02/17111 02/17/11 LATE FEE TOTAL FEES FOR THIS PERIOD 25.00 25.00 Interest Charged 02/18111 02118111 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES TOTAL INTEREST FOR THIS PERIOD 2011 Totals Year-to-Date Total Fees Charged in 2011 $25.00 Total Interest Charged in 2011 $212.46 THE MINIMUM PAYMENT DUE SHOWN ABOVE INCLUDES A PAST DUE AMOUNT. YOU SHOULD SEND THE ENTIRE MINIMUM PAYMENT DUE NOW. IF PAYMENT HAS BEEN MADE RECENTLY, THANK YOU. 104.58 0.00 104.58 Bided Deferred Previous Payments Purchases Interest Promo Interest Exp. Promotions Balance A Credits iE Debits Charges Balance Charges Date DEFERRED INT WoPMTS $1,02128 $0.00 $0.00 $0.00 $1,02128 $207.85 11/27/11 Interest Char Calculation Your Annual Percents Rate APR is the armual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge PURCHASES Regular 25.24% (d)(v) $5,40133 $104.58 DEFERRED iNT W/PMTS 25.24% (d)(v) _ $0.00 CASH ADVANCES Regular 27.15% (d)(v) $0.00 50.00 (v) = Variable Rate (d) - Daily (m) = Monthly Sears 1sterCard° W at1-aoo-asili-a4se Manage your account and pay your bill at www.searecord cam Write to us at PO Box 62a2 Sioux Falls, SD 571117-62112 DOROTHY L SHIP' Fv Account Numbei 8846 Page 1 of 2 Summa of Account Activi ty Previous Balance $6,651.95 Payments $0.00 Other Credits $0.00 Purchases $0.00 Cash Advances $0.00 Fees Charged +$35.00 Interest Charged +S1122.08 New Balance $6,809.03 Past Due Amount $366.46 Credit Limit $6,500.00 Available Credit -$309.00 Cash Advance Lunt $50.00 Available Cash Limit $0.00 Amount Over Credit Limit $309.03 Statement Closing Date 03/21/2011 Days in Billing Cycle 31 To redeem your points, go to www.searschoicerewards.com or cal 1-888-846-7928. P erd Due Date 04/17/2011 Payment Information uw drrom for Pe ffnmVt* by u epa° y,by 5:0D PM aV , e;r euo ,emu New Balance 56,809.03 Minimum Payment Due $901.57 Payment Due Date 04/17/2011 Late Payment Warning: If we do not receive your rninimum payment by the date listed above, you may have to pay a late tee up to $35. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: N you make no additional . :You wifi.0y off the: -And you:will -: : .:'charges. using is.card ; bW6n66'.eli0wn:oh.this and each:rrtonth you pejr:.: :atement:iri about.:: estimated total of:.:- Only the minimum payment 22 years $19,914 $281 3 years $10,113 (Savings-- ,9,801 J I you would like information out credit counseling services, call 1--877-337-8168 Your Sears Choice Rewards Summary Previous Reward Pants Balance 8,133 Reward Points Earned This Period 0 Adjustments to Reward Points 0 Reward Points Redeemed This Period 0 Ending Reward Points Balance 8,133 Reward Points -Expiration Date 8,133 05/2014 0 05/2015 D 05/2016 0 05/2017 YOU MUST PAY YOUR PROMOTIONAL BALANCE OF $1021.28 IN FULL BY 11/27/11 OR THE PAYMENT DUE DATE FOR THE BILLING CYCLE IN WHICH THE PROMOTION EXPIRES, WHICHEVER IS LATER, TO AVOID PAYING DEFERRED INTEREST CHARGES. Transactions TronsOate Post Date Description Amount Fees 03/17/11 03/17/11 LATE FEE 35.00 TOTAL FEES FOR THIS PERIOD 35.00 NOTICE: SLR= REVERSE SIDE FOR IMPORTANT INFORMATION This Account Is Issued by Citibank (South Dakota), N.A. Please demrlh ells portion and reWm vdM your payment to Insure proper w m. Retain uPPer Portion for your reowM. Sears MasterCardo Account Number: 8846 Payment Minimum New Balance Dire Date Payment Due Amour4 Enclosed F$6,809.03 _J 04/17/11 J $901.57 I (s DD30DDO X 13 11080 1 TXS503 FVG 031 7 N 111111"111111111111111'I"1'1111111111rtrt11rt1111111111111111 Make check payable to DOROTHY L SHIPLEY SEARS CREDIT CARDS 43 BUTTONWOOD LN PO BOX 183082 CARLISLE PA 17015-7803 COLUMBUS, OH 43218-3082 rll IIIhn1111n1111?IIdt111rhIIhIl1UIIIle1i1111111h111111 Please make address changes on reverse side. 100 `8846 0680903 0090157 0000000 1316 i Irdormalbn About Your Account, Now to "lid paying tMecest on Purchases. You payment due date Is at least 25 days after the close of each biling cycle We will not charge you any interest on purchases I you pay you New Balance by the payment due date each month. This is called a grace period on pordases_ h you do not pay the New Balance in hill by the paym due date; you will not get a grace period on purchases until you pay the New Balance in full ter two billing cycles in a row. We will begin charging interest on cash advances and balance transfers (if available on your account) on the transaction date. lt you have a balance subject to a deferred interest promotion and that promotion does not expire before the payment due date, that balance (the "excluded promotional balance-) is excluded from the amout you mast par n full to get a grace period. Hovx+ver, you must sl N pay arty separately required payrmant on the excluded promotion. h billing cycles in which payments are allocated to deterred interest balances first the Warred interest balance will be reduced before any other balance on the accent. However, you will continue to get a grace period on purchase so long as you pay the New Balance less any excluded promotional balances in full by the payment due date each billing cycle in addition certain promotional offers may take away the grace period on purchases. Other promotional offers not described above may also al low you to have a grace period on purchases without having to pay all or a portion of the promotional balance by the payment due date If ether is the case, the promotional offer will describe what happens lbw We Calculate Your Balimm Subject to Interest Rata. We use a daffy balance method (mcludkl4 current transactions) to calculate interest chagm To find out more information about the balance computation method and how the resulting interest charges were determined, contact as at the'Ca11 us at" nuttier on the front. Interest Charged. The interest Char* on Purchases shown on the front rcl des the Interest charged an all purchases and balance transfers (if balace transfers are available on your account). Transaction Date. The Transaction Date sthohm on the statement Is also the Sale Date. Membership Fee, To avoid paying this tee. notify us that you are closing your account within 30 days of the mailing or defvery, date of the statement on which the fee is billed. it Your Account Is Subject To The Penalty APR, Now Long NAZI The Penalty APR Apphy? The Penalty APR wit apply until you make 12 consecutive miiwnan payments on time and do not go over your credit bit or make a payment that is returned or do any of these things on another account that you have with us during that time perlod. The Personalty APR may end sooner in accordance with your card agreement, or il required by applicable law. Credit Reporting Disputes d you think we reported inaccurate Information to a uedht bureau write us at "Write to es at' ai&ess shown onthe frort. Report a lost or Stolen Card ImmeaW". Call the `Call us at' number shown on the front. What To Do N You Thinly You Fond a Mistake on Your Statement If you think there is an error on your statement write to us at me address shown on the front where d says `Write to us at" in your letter, give us toe following information Account inlarmation: Your name and aeeeurd number. il: e dollar amount of the suspected error. Iotron of Problenc it you think there is an error on your bill, describe what youwhat you be l e nevli a resort s wrong and why you beliL m it is a mistake. If you send an Nw6w check with this payment coupon, you arrthortze us to -M*te year payment by eleotroaic dealt N we do, the checking account wilt be debited in the amount on the cbKL We may do this as soon as the day We receiver the CkecL Also, the creek will be destroyed Copy Fen Nor charge S3 for each copy of a bilig statement that dales back 3 months or more We add the fee to the regular purchase balance. We waive the tee it you request for the copy relates to a bill error or disputed purchase. Pavmwt Options Other Titan Reehr AWL Onlb* Payments. Visit wwwSmCaid.com and sign up for anine payments. Enrollment may take a few days If we receive your request to make an online payment by 5 pm Eastern Ime. we will credit you payment as of that day. If we receive you request to make an amine payment after that tine, we will credit your payment as of the nest day. For security reasons, you may be unable to pay your entire New Balance with your fist online payment. Pay by Phone Service. You may use Ibis service any time to make a payment by phone You will be charged $1495 d a representative of ours helps expedite your payment. Call by 5 pm. Eastern time to have your payment credited as of that day. if you call after in& We your payment will be credited as of the next day. We may process you payment etectronicaly, after we verify your identity. Express Payments You can send payment by courier or express mail to the Express FaMerts Address This address m Payments Department 1500 Bodonfield Street Columba, OH 43228. Payment rust be received n proper form at the proper address by 5 pm. Eastern time to be credited as of that day. Al payments received in proper hem at the proper address after Bat time will be credited as of the next day. You must contact us within 50 days after the error appeared on your statement You must notify us of any potential errors in writing. You may cal us. but d you do we are not required to investigate arty potential errors and you may have to pay the smart in question While we investigate whether or rot there has been an error, the toliawinq are true: We cannot try to c00ert the arrant in question or report you as delinquent on that amount. The charge in question may remain on your statement, and we may Continue to charge you interest on that amount. But. t we determine that we made a mistake, you will not have to pay the amount in question or any Interest or other sees related to that amount. While you do rot have to pay the amount in queslioa you are responsible for the remainder of yaur balance. We can apply any unpaid amount against your credit limit your tTmhts N You Are Dissatisfied With Your Credit Card Purcbases II you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good tab to correct the problem with tta merchant you may have the right not to pay the remaining amount due on the purchase. To use thts right all of the following must be true: 1 The purchase must have been made in your tome state or within 100 miles of your current maiing address. and the purrlase price must have been more than $SO- (Note Neither of these are necessary if you purchase was based on an advertisement we. mailed to you, or if we own the Eompany that sold you the goods Or WViceSji 2- You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not quality. 3_ You must roll yet have fully paid for the purchase. il all of the criteria above are met and you are still dissatisfied with the purchase contact us in writing at the address shown on the front where it says "Wrte to us at." While we investigate, the same rules apply to the disputed amount as discussed above After we. finish our Investigation. we will tell you err decision. Al that point il we think you owe an amount and you do not pay we may report you as delinquent Important Payment Instructions. Cmd" Payments. If we receive yap payment in proper form at our processing facility by 5 pm local tine there. A will be credited as of that day. A payment received there in proper form after that hone wilt be credited as of the next day. Allow 5 to 7 days for payments by regular mail to reach us. There may, be a deny of up to 5 days in crediting a payment we receive trial is not in proper fern or is not sent to the correct address The correct address for regular mad is the address on the front of the payment coupon. A payment made in-store is not set to the cared address. The correct address for courier or egress mail is the Express Payments Address shown below. Proper Form. ror a payment sent by mail or tour her to be in proper form you must Enclose a valid Check or money order. No cash, gift cards, or foreign currency please li ctade your name and account number on the front of your check or money order. SMC/TGI/SCC/SCPAilPs 10110 01E66057 - 2-11/04/2010 New Address If your address has changed, please print any changes below. Name: Street Address: City. State, Zip: Phone: SMC/TGI/SCC/SCI'/il I0Ao Sears Nstercarcr a at,-pa66a-assn Manage your account and pay your bill at www.searscardcotn Write to us at PO Box 6282 Sioux Fad; SD 57117-6282 DOROTHY L SHIPLEY Account Number XXXX XXXX X)OO( 88" Payment Due Date Page 2 of 2 ° 04/17/2011 Transactions Trans Date Post Date Description Amount Interest Charged 03121/11 03/21/11 INTEREST CHARGE ON PURCHASES 122,08 INTEREST CHARGE ON CASH ADVANCES 0.00 TOTAL INTEREST FOR THIS PERIOD 122.08 2011 Totals Year-to-Date Total Fees Charged in 2011 $60.00 Total Interest Charged in 2011 $334.54 YOUR ACCOUNT IS SERIOUSLY PAST DUE. AMOUNT PAST DUE IS SHOWN ABOVE. ARRANGEMENTS FOR FUTURE PAYMENTS SHOULD BE MADE IMMEDIATELY. Billed Deferred Previous Payments Purchases Interest Promo Promotions Int west Exp. Balance ACredits tDebits Charges Balance Charges Date DEFERRED INT W/PMTS $1,021.28 $0.00 $0.00 $0.00 $1,02128 $234.47 11/27/11 Interest Charge Calculation Your Annual Percents Rate (APR) is the annual interest rate on our account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge PURCHASES Regular 25.24% (d)(v) $5.695.10 $122.08 DEFERRED IN[ W/PM'1S 2524% (d)(v) _ $0.00 CASH ADVANCES Regular 27.15% (d)(v) $0.00 $0.00 (v) = Variable Rate (d) . Daily (m) = Monthly Your account is at risk of being reported as past due to one or all three of the major credit reporting agencies. A negative incident on your credit report may damage your credit rating depending on your overall credit health. This may affect your ability to purchase things you need or get additional credit in the future. We want to help you avoid this. We have a number of solutions to help you through the financial difficulty you may be - experiencing, but we must hear from you. Call us today at 1-866-518-9456 We're available to you 7 days a week. Monday-Thursday 6:30 a.m.-11:00 pm, CT. a Friday 6:30 a.m.-9 pm. CT Saturday and Sunday W00 am.-5:00 pelt, CT Sears 11SterCard® 0s at 1-M-e69-8488 Manage your account and pay your bill at www.searscardeom Write to us at PD Box 6282 Sioux Fats, SD 571176282 DOROTHY L SHIPLEY Account Number 8846 Page I of 2 Summa of Account Activi ty Previous Balance $6,809.03 Payments $0.00 Other Credits $0.00 Purchases $0.00 Cash Advances $0.00 Fees Charged +$35.00 Interest Charged +$121.36 New Balance $6,96539 Past Due Amount $592.54 Credit Limit $6,500.00 Available Credit -$465.00 Cash Advance Limit $50.00 Available Cash Limit $0.00 Amount Over Credit Limit $465.39 Statement Closing Date 04/20/2011 Days in Bilging Cycle 30 Payment Due Date 05/17/2011 Payment Information elaBOM parner" B&fopay payrimil dream New Balance $6,965.39 Minimum Payment Due $128429 Payment Due Date 05/17/2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late tee up to $35. Minimum Payment Warning: If you make orgy the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: It you. rnalce no'additionisl ' :You WiN*pay off the: .: And you-.will :ohaitea; using this:citrd : `.. balin6e'sh6AWon:this' end up.ptijnrig rsn' :and each:month you psy.:.; 8temerit1n about estimated total of:.: Only the minimum payment 22 years $19,956 $288 3 years $10,376 (Savings= $9,580) you would Site information about credit counseling services, ca 1-877-337-8188 Your Sears Choice Rewards Summary Previous Reward Points Balance 8,133 Reward Points Earned This Period 0 Adjustments to Reward Points 0 Reward Points Redeemed This Period 0 Ending Reward Points Balance 0 You must pay your promotional balance of $1021.28 in full by 12/17/11 to avoid paying deferred interest. Transactions Trans Date Post Date Description Amount Fees 04/17/11 04/17/11 LATE FEE TOTAL FEES FOR THIS PERIOD Interest Charged 35.00 35.00 04/20/11 04/20/11 INTEREST CHARGE ON PURCHASES 121.36 INTEREST CHARGE ON CASH ADVANCES 0.00 TOTAL INTEREST FOR THIS PERIOD 12136 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION This Account Is Issued by Citibank (South Dakota}, N.A. Preass detach IMS potion and realm v4M your payment to irmte proper wade. Retain uppor panbn Iv you records . Sears MasterCartf Account Number. 8846 Payment PAnimum New Balance Due Date Payment Due Amount Enclosad $6.965.39 05/17/11 $1284.29 OOMMO X 13 11110 1 7X5503 FVG 001 7 N Id.IIIII'III'II'Iltrltlllrrrlrrtlll'I'I'll'II'1II111IIIIIIIIIIrI Makecherkpayablete DOROTHY L SHIPLEY SEARS CREDIT CARDS 43 BUT70NWOOD LN PO BOX 183082 CARLISLE PA 17015-7803 COLUMBUS, OH 43218-3082 ItII III Ill lrIIIIIrIIIIIlI1IrIInIIIplhlhtnlly"IIIIiI Illl'll Please make address changes on reverse side. 100 - 4846 0696539 0328429 0000000 1313 • lafarrnntlon Abed Your Accent. Now to Amt payhrg hdarest am Pmehases. Your paynxnt due date is at lost 25 days after the dose of each blirq cycle We will rot charge you any interest on purchases H you pay your New Balance by the payment due date each moni K This is called a grace period on purchases. N you do not pay the New Balance in full by the papart due date you will not get a grace period on purchases until you luny the New BatsrP in furl for two 11111I N cycles in a row. rye wig hegira charging interest on cash advances and balance transfers (d available on your aaouM) on the transaction date. I you have a baianre sutNed to a deferred interest promotion and that promotion does not expire before the payment due daft that balance (the "excluded promotional bdan e7 is euciuded from the arrant you must pay in full to get a grate period. However you must still parr anyseparalefy regrind paymhmt on the excluded promotion in dYwhq cyder in rah c h payments are allocated to deterred Interest balances first, the deferred interest balance will be reduced before any other balance an the account. However you will catirue to get a grace period on purchases so long as you pay the New Balm less any excluded promotional balances in full by the payment due date each bifng cycle. In addition. certain promotional offers may take away the grace period on purchases Other promotional offers not described above may also allow you to have a grace period on purchases without having to pay all or a portion of the promotional balance by the payment due date. If either is the case, the promotional offer will describe what happens How We Calculate Yaw Bafance StnbJect to hatermt Rata. We use a daly balance method (mcluduq current transactions) to calculate interest dhaz 1 To find out more Information about the balance computation method and how the resulting interest charges were determined, contact us at the 'Cafl us at- number on the front Balance Transfers. Balance transfer anoints are included in the 'Purchases" III* in the Summary of Account Activity (t balance transfers are available on your accourdl Transaction Date. The Transaction Ogle shown on tux statement is also the Sate Date amilt Reporting Disputes t you think we reported inaccurate information to a aedil bureau write us at Vdte to is at" address shown on the front Report a last or stoke Card Inmedletett: Cal He "Call us at' number storm an the front What Ti Do N You 11imk You Find a kftstahe on Your Statement If you think there is an error m your statement, write to us at the address shown an the front where It says ` to to us at" In your letter. give us the following Information: Aoeohmt inform afiort Yaw name and account number. DoIM amount: The dollar amount of the suspected error. DescYMnnr(0 emblem: t you think there is an erns on your ti, describe winat you believe is wrong and why you believe it is a mistake. You mast contact us within 60 days after the error appeared on your statement You must notify us of any potential enors in wri' You may call us, but it you do we are not required to investigate any potential errors and you may Nye to pay the amount in question While we Investigate whether or not there has been an error. the following are t rue: We cannot try to collect the amount in question, or report you as del inpuenf on that amount The charge in question may remain an your statement and we may continue to stye you interest on that amount But t we determine that we made a mistak you will riot have to pay the amount in question or any interest or other tees related to that amount. Wldte you do not have to pay the amount in questiort you are responsible for the remainder of your balance We an apply any unpaid amount against you credit limit. Your Rkhts N You Are Phsatisfled With Your Credit Card Purchases If you are dissatisfied vdth the goods or services that you have purchased with your credit card. and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purdese. To use this right. all of the following must be true 1. The pw&ase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than S50, (Note: Neither of these are necessary if your purchase was based an an advertisement we mailed to you, or if we own the company that sold you the goods or services) 2 You must have used your reedit ant for the pun3hase Purcheses made with ash advances from an ATM or with a check that accesses you credit card account do not gtmW. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchm contact us in ?sriliro at the address shom m the front where it says -we to us at' White we, investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point it we think you owe an amount and you do not pay we may report you as delinquent Important Payment Instructions. Cr'odtiug Payments. t we receive your payment in proper form at our processing facility by 5 pm local time there it will be credited as of that day. A payment received there in proper form after that time will be credited as of the next day. Allow 5 to 'r days for payments by regular mail to reads us_ There may be a delay of up to 5 days in crediting a payment we receive that is not in proper form or is not sent to the correct address The correct address for regular mail is the address on the front of the payment coupon A payment made "ore is not sent to the correct addressThe wrrect address for courier or express mail is the Express Payments Address shown below. Proper Form. For a payment sent by mail or courier to be in proper form, you must Eoclo% a valid check a money order No cask gin cards, or foreign Y plalse. Include your name and account cumber on the front of you check or money order. SNC1T611SCC1SM/HIPs OIM 01EG6051-1- 02/25,$1711 N you send an elgbte clock wtth this payment coupom you authorize us to caapleta your payment by oleckadc deML Hire do, the dmee#irg account will he dehtad h the amotM an the check. We n,yr do this as soon as the day we recohre the check Also, the check wild be destroyred. Copy Fee. We charge S3 for each copy of a biking statement that dates back 3 months or more. We add the lee to the MOM purchase balance V0 waive the fee it your request for the ropy relates to a biting erns or disputed purdhast Paymeud Optbas Odor Than amdw wad. Odw Payments. o t Se??com and sign up tar online payments. Enrollment may take a taw days If we receive your request to make an ovine payment by 5 pm Eastern tine. we wl I uMt your payment as of that day. It we receive your request to mate an aft payment after that time. we will credit your paymet as of the next day. for secuty reasom you may be unable to pay your entire New Balance with your first mire payment toy by Phone Service. You may use this service any tone to make a payment by phone. You will be changed $X45 t areesentative of ours helps expedite your payment Cal by 5 pm. Eastern time to have you payment credited as of that day. II you al after that lime. you payment will be crafted as of the next day. We may process your payment electronically after we verity your identity, Expess Pr wAL You an send payment by courier or express mall to the Express Payrnents Address This address ls: Payments Department 1500 Roltonliield Street Columbus. ON 13228. Payment must be received in proper form at the proper address by 5 puM1 Eastern time to be credited as of that day. AN payments received in proper form M the properaddress after that tine wit be credited as of the next day. New Address If your address has changed, please print any changes below. Name: Street Address: City, State, Zip: Phone: SMC/TOMUSCWHIPs 01111 Sea rs aterC ard® W at 1-800-e6 -am Manage your account and pay your bill at www.searscard.corn Write to us at PO Box 6282 Sioux Fags, SD 57117-6782 DOROTHY L SHIPLEY Account Number. XXXX XXXX X)OO( 8848 Page 2 of 2 a Payment Due Date 05/17/2011 2011 Totals Year-to-date Total Fees Charged in 2011 $95.00 Total Interest Charged in 2011 $455.90 YOUR ACCOUNT IS SERIOUSLY PAST DUE. AMOUNT PAST DUE IS SHOWN ABOVE. ARRANGEMENTS FOR FUTURE PAYMENTS SHOULD BE MADE IMMEDIATELY. Oiled Deferred Predous Payments Purchases Interest Promo Interest Exp. Promotions Balance ACredits ADebits Charges Balance Charges Date DEFERRED iNTW/PMTS $1,021.28 $a.nn $0.0n $0.00 $1,021.28 $2sn.79 12/17111 Interest Charge Calculation You Annual Pereeinta Rate APR is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge PURCHASES Regular 25.24% (d)(v) $5,850.81 $121.36 DEFERRED INT W/PMTS 2524% (d)(v) - $0.00 CASH ADVANCES Regular 27.15% (d)(v) $0.00 $0.00 (v) = Variable Rate (d) = Daily (m) = Monthly Your account is past due and is scheduled to be closed in the near future. We want to help you avoid this. We have a number of solutions to help you through the financial difficulty you may be experiencing, but we must hear from you. Call us today at 1-866-518-9057 We're available to you 7 days a week. Monday-Thursday 6:30 &m-14,00 pan. CT. • Friday 6:30 ant,-9 p.m. CT Saturday and Sunday 9:00 am-5:70 pm CT Sears losterCard° 0 at 1-aoo-6694WW Manage your account and pay your bill at www.searscard.com Write to us at PO Box 6282 Sioux Falls, SO 57117-6282 DOROTHY L SHiPI Fv Account Number 8846 Page 1 of 2 Summa of Account Activ' Previous Balance $6,96539 Payments $0.00 Other Credits $0.00 Purchases +$25.00 Cash Advances $0.00 Fees Charged + $35.00 Interest Charged +$125.16 New Balance $7,150.55 Past Due Amount $818.9D Credit Limit 56,500.00 Available Credit $0.00 Cash Advance Limit $50.00 Available Cash Limit $0.00 Amount Over Credit Limit 5650.55 Statement Closing Date 05/20/2011 Days in Billing Cycle 30 Payment Due Date 011/17/2011 New Balance $7,150.55 Minimum Payment Due $1,701.61 Payment Due Date 06/17/2011 Late Payment Warning: it we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to S35. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: It yaiu: rilake'no add'Riorlal:: : :You wiN:pay otl the : :: •And you"wtll :'otiarges usiii91tii6:Carti b818ncestiorin:on:this ' ::::arid iip:peying'sri: :and earth nib. ntli you.pay.,.": t stetemen in aboui.:, estimated total of::. Only the minimum payment 21 years $20,074 $297 3 years $10,680 (Savings= $9,394) Your Sears Choice Rewards Summary Previous Reward Points Balance 0 Reward Points Earned This Period 0 Adjustments to Reward Point 0 Reward Point Redeemed This Perod 0 Ending Reward Point Balance 0 You must pay your promotional balance of $1021.28 in full by 12/17/11 to avoid paying deferred interest charges. Transactions Trans Date Post Data Description Amount 04/21/11 04/21/11 REWARDS FEE 25.00 Fees 05/17/11 05/17/11 LATE FEE TOTAL FEES FOR THIS PERIOD 35.00 35.00 Interest Charged 05/20/11 05/20/11 INTEREST CHARGE ON PURCHASES 125.16 INTEREST CHARGE ON CASH ADVANCES 0,00 TOTAL INTEREST FOR THIS PERIOD 125.16 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION This Account Is Issued by Citibank (South DakotaL N.A. Phase tlelach 1Ma poebn and remm wM your pa"arv to bwre proper crodl. Retain upper podbn for your reooroa. Sears MasterCarde Account Number. 3846 Pay ner,i Minimum New Balance Due Date Payment Due Amount Enclosed F 57,15055 06/17/11 $1,701.61 L$ 0000000 EX 13 11140 1 TXS503 FVG OD1 7 N 111111111111lr??ll?pyr?lll??l?l?lll'li?lllrul?d'III?`Illlll" Make check payable to DOROTHY L SHIPLEY SEARS CREDIT CARDS 43 BUTTONWOOD LN PO BOX 183082 CARLISLE PA 17015-7803 COLUMBUS, OH 43218-3082 hll1111HluIIIIII1111111n111111111111111'111'11"??I?I'llllht Please make address changes on reverse side. 100 8846 0715055 0170161 000000© 1311 • Irdormation Aboul Your Account flow to Avoid Prying Interest on Purchases, Your payment due date is at least 25 days after the close of each billing cycle we will not charge you any interest on purchases it you pay your New Balance by the payment due date each month. This is called a grace period on purchases. If you do not pay the New Balance in full by the payment due date. you will not get a grace period on purchases until you pay the New Balance in hail for two billing cycles in a rove We will begs charging interest on cash advances and balance transfers (t avaNnble an your acc ud) on the transaction date. If you have a bahare sutject to a deferred interest promotion and that promotion does not espue before the payment due data that bdm phe 'excluded promotional balana7 is excklded tram the arnount you nurse pay in rid to get a n)raoe period However, you must still pay any separately reoed payment on the enlided pronnotioe in hXrno cycles in which payments are allocated to deferred interest balances first, the deterred interest balance will be reduced before any other balance on the a:caunL However, you will continue to get a grace period on purchases so long as you pay the New Balance less any added promotional balances in full by the payment due date each b8rg cycle. In addition, certain promotional otters may take away the grace period on puchases Other promotional afters not described above may also allow you to how a grace period on purchases withal having to pay an or a portion of the promotional balance by the payment due date. if either is the case. the promotional offer will describe what happens, Nowlye Gkydi de Yaw Balance subject to luterest Rate. We use a dairy balance method (mc j*g Lien t transactions) to calculate Interest charges. To find out more information about the balance co nputation method and how the resulting interest charges were determined contact us at Ihe'Call us aT' number on the front. Balance ltansfiem Balance transfer amounts are included in the "Puurhases" fire in the Summary of Account ActlWy (if balance transfers are available on your accountl Transaction Date. The Transaction Date shown on the statement is also the Sale Date DwIlt Reporthhg Disputes. t you think we reported inaccurate information to a oredil bureau write lea at "We to us al" address shown on the [rant report a lost or Stolen Card Immediately. Cal the 'Call us at' number shown on the front What To Do it You Think You Find a Mistake on Yon Statement if you think there is an error on your statement, write to us at the address shown on the front where it says Vfte to us at' in your letter, give us the following information: Account information: Your name and account number. dollar amwnt The dollar amount of the suspected error. Qe OR- Roblem: N you thick there is an error on your bd, describe what you believe is wrong and v*y you believe t is a mistake. you ffKw conlad us within 60 days alter the error appeared on your statement You must runty us of any potential errors in wrilina You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question white we hmstigate whether or not there has been an error. the following are true, Yk cannot try to tolled the amount in question, or report you as delinquent on that amount The charge in question may remain un your statement, and we may continue to charge you interest on that amount. But, t we determine that we made a mistakt you wig not trace to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question you are responsible for the remainder of your balance. We can apply any unpaid amount against year credit bail. Your Rights If You Are Dksatisfled With Your Credit Card Purchases t you are dissatisfied with the goods or services that you have purchased with your credit card. and you trove tried in good faith to correct the problem with the merchant, you Keay have the right not to pay the remaining amount due on the purchase To use this right all of the following must be true I The purchase must have been made in your home state or afthit 100 miles of your current mailing address', and the purchase price Must have been mom than $% (flats: Neither of these are necessary if your purchase was based an an advertisement we maned to you, or B we own the company that said you the goods or services) 2 You most have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3. You must not yet have fully paid tar the purchase. It all of the criteria above are met and you are still dissatisfied with the purchase,contact us jn v r jr?g at the address shown on the front where it says 'Write to us at' While we investigate. the same rules apply to the disputed amount as discussed above Alter we fmsh our investigation. we will tell you our decision At that point if we think you owe an amount and you do not pay we may report you as dMhquem. Important Payment lnstructlons Ciccone Payments. N we receive your payment in proper form at our processing facility by 5 pm local time there. it wd be cmdied as of that day. A payment received therein proper form after that time will be credited as of the nerd day. Allow 5 to 7 days for payments by regular mail to reach lit Thee may be a delay of up to 5 days in crediting a payment we receive that is not in proper form or is trot sent to it* correct address. The correct address for regular man is the address on the front of the payment coupon A paymi made "am is not sent to the correct address, The correct address for courier or express mall Is the Express Payments Address crown below. Roper form. For a payment sent by mail or courier to be in paper form, you must Enclose a valid check or money order. No cash, ON cards. or foreign currency please kncrde your name and account number on the from of your check or money order SMC/TGVSCUSM"ll's Wit 011MG057-1-01125 011 If you send an elft check with this payment coupon, you aufharin us to complete Ym Pronot by electronic defit If we do, Itw checking accost WIN be deow In the amount on the chart we may do this as soon as the day we rocotw the check. Also, the check will be destroyed. copy fee. We charge S3 for each copy of a being statement that dales bark 3 maths or more we add the fee to the regular purchase balance. ilk waive the fee it your request for the Copy relates to a being error or disputed purchase. R4yrnent Optlow Other Then Replar Met Drdlno Raymerts. Yst wwwSearsCadcom and stun up for orfie payments Enrotlmed may take a few days If we receive your request to make an onine payment by 5 pin Eastern time, we will cent your payment as of that day. II we receive your request to make an online payment after that time. vie will credit your payment as of the next day. For secur4 reasom you maybe unable to pay your entire New Balance with your first online payment Pay by Phone Sends. You may use fhb service any time to make a payment by phone. You vAN be charged S1495 t a representative at ours helps a wdite your payment Call by 5 per. Eastern time to have your payment credited as of that day. If you cal after that thne, your payment wit be wedded as of the next day, We may process your payment elect romally after we verify your identify. lExpmu Payments. You an send payment by courier or express mail to the Express "fits Address, This address is Payments Department 500 B todeld Street Columbus. ON 43M Payment must be received in proper I am at the proper address by 5 p.m Eastern time to be credited as of that day. AN payments received in paper form at the proper address after that time will be wedded as of the newt day. New Address It your address has changed, please print any changes below. Name: Street Address: City, State. Zip: Phone: SMUTGIISCC/5CP/HN's DIM Sears aterCard" *s at 1-800-M-'849e Manage your account and pay your bill at www.semrscardcom Write to us at PO Box 6282 Sioux Fags, SD 5711 7-628 2 DOROTHY L SHIPLEY Account Number. XXXX XXXX XXXX 8846 Payment Due Date Page 2 of 2 06/17/2011 2011 Totals Year-to-Date Total Fees Charged in 2011 $130.00 Total Interest Charged in 2011 $581.05 Billed Deferred Previous Payments Purchases Interest Promo Interest Exp Promotions Balance 8 Credos A Debits Charges Balance . Charges Date DEFERREDINTW/PMTS $1,021.28 $0.00 $0.00 $0.00 $1,021.28 $287.66 12/17/11 Interest Charge Calculation Your Annual Percerita Rate APR is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge PURCHASES Regular 2524% (d)(v) $6,034.00 $125.16 DEFERRED INT W/PMTS 2524% (d)(v) - $0 00 CASH ADVANCES . Regular 27.15% (d)(v) 50.00 $0.00 (v) = Variable Rate (d) = Daily (m) = Monthly Sears 11stercarde 6S at 1-BOO-4"4488 Manage your account and pay your bill at www.searscardcorn Write to us at PO Box 6292 Sioux Falls, SO 57117-6282 DOROTHY L SHIPI Fv Account Number 8846 Page I of 2 Summa of Account Activi Previous Balance $7,15055 Payments $0.00 Other Credits $0.00 Purchases $0.00 Cash Advances $0.00 Fees Charged +$35.00 Interest Charged +$132.85 New Balance $7,318.40 Past Due Amount $1,051.06 Credit Umit $6,500.00 Available Credit $0.00 Cash Advance Umit $50.00 Available Cash Limit $OAO Amount Over Credit Limit $818.40 Statement Closing Date 06/20/2011 Days in Billing Cycle 31 Payment Due Date 07/17/2011 Payment Information the address for pay" Wig by OW payrnerdmedM New Balance $7,318.40 Minimum Payment Due $2.11131 Paymem Due Date 07/17!2011 Late Payment Warning: If we do not receive you minimum payment by the date listed above, you may have to pay a late tee up to S35. Minimum Payment Warning: O you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay oft your balance. For example: If yogi ritake?fo'adclition4-' ' -;You'wjfpay off the' And you:117ill ; titiarges using th+ O;utl .: 'tlatl9ino6slicwn oh:t :::erid up payiiip an anct.each:rnonth you:pay::.: ti. : etatemenl.in about .: estimated total ot.'. - ......... Only the minimum payment 21 years $20,119 $305 3 years $10,962 (Savings= $9.157) If you would like information about u it counseling sernc is cal 1-877-337-8188 Your Sears Choice Rewards Summary Previous Reward Pants Balance 0 Reward Points Eamed This Period 0 Adjustments to Reward Points 0 Reward Points Redeemed This Period 0 Ending Reward Points Balance 0 You must pay you promotional balance of $1021.28 in full by 12/17/11 to avoid paying deferred interest charges. Transactions Trans Data Post Daft Description Amount Fees 06/17/11 06/17/11 LATE FEE 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged 05/20/11 06/20/11 INTEREST CHARGE ON PURCHASES 132.85 INTEREST CHARGE ON CASH ADVANCES 0.00 TOTAL INTEREST FOR THIS PERIOD 132.65 NOTICE: SEE REVERSE SIDE FOR IMPORTANT WFORMATION This Account is Issued by Citibank (South DakotaL N.A. Please detach this poraon and return with your payrrrent to Insure proper aeda. Retein upper ponidn for your records. Sears MasterCard" Account Number. 8846 Paymerd ranimum New lWance Due Data Payment Due Amount Enclosed F$7.318.40 07/17/11 $2.111.31 0000000 EX 13 11171 1 TXS5M FVG 001 7 N 1rrtri1111111ili?ll?r?lrlll?lliifl?li?rif???,Irllurllrlriltllr? Makecheckpayabletd DOROTHY L SHIPLEY SEARS CREDIT CARDS 43 BUTTONWOOD LN PO BOX 183082 CARLISLE PA 17015-78M COLUMBUS, OH 43218-3082 ullPihi?Ilnultlr?lir?IliIIIrI?Iltliltlliltillhrl"Irlllili Please make address changes on reverse side. 100 .8846 0731540 0211131 0000000 1312 • IMormatbn About Your Account. How to Avoid Paying bdarast on Pathless. Your payment due date is at least 25 days after the close of each bilrng cycle We well not change you any interest on purchases 8 you pay your New Balance by the payment due date each month This is called a grace period an purchases. It you do not pay the New Balance in fun by the payment due date you will not get a gace period on purchases until you pay the New Balance in tug for two frilling cycles in a roe, We will begin charging interest on cash advances and balance trarafers id evadable on your account) on the transaction date. K you hang a balance subject to a defected interest promotion and that promotion does not apke before the payment due date that balance (the "excWed promci ioral balaicel is alluded from the amount you must pay in fug to get a gage period However, you muuadpstill pay any separately required pay an the eKcWed anotion. in bill in Mid payments am A cte to deMted interest balances ruz the deferred interest balance will be reduced before any other bakrnce on the wmrn L Wi em you A neurone to get a grace period on prtlases so bell as you pay the New Balance less any exckrded promot ionel balances in fug by the payment due date each billing cycle. In addition, certain promotional offers may take away the grace period on purchases. Other promotional offers riot described above may also agar you to have a grace period on purchases without having to pay all or a portion of the praout"renal balance by the payment due date If either is the case, the promotional offer will describe what happens. How We Catadate Your Balance Subject to Interest Rate. We use a dally balance method (kx" current transactions) to calculate interest charges. To find out more information about the balance computation method and how the resulting interest charges were detenrdred contact us at the "Cal us at" nurnber on the front Balance ltausfem Balance transfer amounts are included in the "Purchases- ine in the stmrnary of Account Activity fit balance transfers ore available on your account) Transaction Date. The Transaction gate shown on the statement is also the safe Batt Credht Reporting Disputes, If you think we reported inaccurate information to a credit bureau write ins at 'Write to us al" address shown on the bunt Report a Lod or Stolen Card limanedietely. Cal the TA us at` number shown on the front What To Do it You Think You Find a Mistake on Your Statement If you think there Is anew on your statement, write to us at the address shown on the front wbere it says "Write to us at b your letter. give us the following information: Accorrn idonrhatf Your name and account number. Dollar amount The dolls amount of the suspected error. DeXr1&n of Problem: f you think there is an error on your bill; describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days alter the error appeared on your swmre nL You must notify us of any potential errors in wrilinit You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question • White we Investigate whether or not there has been an error, the following are t rue: We carrot try to toll act the a mount in question, or report you as delinquent on that amourd The charge in question may remain on your statement. and we may conli ue to charge you merest on that amount But 9 we determine that we made a mistakt, you will not hove to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in questioft you are responsible for the remal rider of you balance. We can apply any unpaid amount against you credit limit. Your Rkhts B You Are Oksatistkd With Your Credit Card Purchases g you are dissatisfied with the goods or services that you have purchased with you creck cad and you have tried in good fait h to correct the problem with the merchant, you may have the tight not to pay the remaining amount due ort the ptrcirm To use this right all of the follow" must be true t The purchase must have been made in your home state or within 100 miles of your current mailing addirm and the purchase price must bane been more than S5a (Note: Neither of these are necessary d your purchase was based an an adverthemert we mailed to you, or it we own the company that sold you the goods or smites) Z You must have used your credit card for the purdnase Purchases made with cash advances from an ATM or with a shed that accesses your credit cad account do not quality. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in M,Rftlfll3 at the address shoes on the front where it says 'Write to us at" While we nvesfigale, the same rules apply to the disputed amount as discussed above After we finish our Investiptlon. we will tell you our derision At that point 0 we think you owe an amazed and you do not pay we may report you as delinii . Important Payment tnstrrct(ans. CredIting Payments. If we receive yaw payment in proper form at our processing laedrty by 5 pin local time there it will be wedded as of that day. A payment received there in proper torn after that time will be credited as of the next day. Allow 5 to 7 days for payments by regular mad to reach us There may be a delay of up to 5 days in crediting a payment we receive that is not in proper form or Is not scot to the correct address The correct address for regular mail is the address on the front of the pa}vent cam A payment made nstore is not sent to the correct address The correct address for courier or express mail is the Express Payments Address shown below. Proper Form For a payment sent by mail or courier to be in proper form, you must Enciose a valid check or money order. No rash, gift cards. or foreign currency please lick* yourname and account number on the front of your check or money order. smViGIJSCCAMNIPS M 01EFAM57 - I.02f2i12MI N you send an eligible cheep with this peymerd coupon, you authwiae a to amldete your payment by OKtro nic debit. N we do, the checking accord will be &Mod In the wound on the check. We may do this as soon as the day we reafvre the cheek. Alm the check wl0 be destroyed. Copy Fee. We charge $3 for each copy of a billing statement Oat dates back 3 months or more. We add the fee to the regular purchase balance We wive the fee g your request for the copy relates to a billing error or &Wed purchase. Ddlne Raymeats. Visit wwwwSSe sCw*om and sign up for online payments Enrolment may take a few days. g we receive your request to make an orine payment by 5 pm. Eastern time. we will credit your payment as of that day. II ee receive your request to make an online payment after that time, we wig credit your payment as of it* nod day For security reasons, you may be unable to pay your entee New Balance with you fast online payment Pay by Phone Servim You may use this service any time to make a payment by phone You wit be charged $1495 if a representative of ours helps epet ire your payment Cal by 5 p.m Eastern bme to have your payment vented as of that day. O you tag after [hat time. your payment will be wedded as of the next day. We may process your payment electronically after we verify Mr identity. Express Paymets. You can send payment by courier or express mail to the Express Payments Address This address is: Payments Department 1500 Boltongeld street Columbus. OH 43718. Payment must be received in proper form at the proper address by 5 pm. Eastern time to be credited as of that day. All payments received in proper form at the proper address after that time will be credited as of the next day. New Address if your address has changed, please print any changes below. Name: Street Address: City, State, Zip: Phone: SMC/TGVSCCACPIHIPs M Sears fsterCae W al 1-4oo-e0 Manage your accoum and pay your bill at www.searscardcom Write to us at PO Box 6282 Sioux Faun, SD 57117-6282 DOROTHY L SHIPLEY Account Number. XXXX XXIO( XX)0X 8846 Payment Due Date Page 2 of 2 07/17/2011 2011 Totals Year-to-Date Total Fees Charged in 2011 $165.00 Total interest Charged in 2011 $713.91 Billed Deferred Previous Payments Purchases Int erest Promo Interest Exp. Promotions Balance BCredits ti Debits Charges Balance Charges Dab DEFERREDINTW/PMTS $1,021.28 $0.00 $0.00 $0.00 $1,02128 $316.02 12117/11 Interest Charge Calculation Your Annual Percents Rate APR is the annual interest rate on our account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge PURCHASES Regular 25.24% (d)(v) $6,197.78 $132.85 DEFERRED INT W/PMTS 25.24% (d)(v) - $0 00 CASH ADVANCES . Regular 27.15% (d)(v) $O.OD $0.00 (v) = Variable Rate (d) = Daily (m) = Monthly Sears SsterCarcr *1t at 1-8011-669-aM Manage your account and pay your bill at www.searscardcom Write to us at PO Box 6282 Sioux Falls, SD 57117-6282 DOROTHY L S14101 cv Account Number 8846 Page 1 of 2 Summa of Account Activi Previous Balance $7,318.40 Payments $0.00 Other Credits $0.00 Purchases SD.00 Cash Advances $0.00 Fees Charged +$35.00 Interest Charged + $136.51 New Balance $7,489.91 Past Due Amount $1,292.91 Credit umit $61500.00 Available Credit $0.00 Cash Advance limit $50.00 Available Cash Limit $0.00 Amount Over Credit Limit $989.91 Statement Closing Date 07/21/2011 Days in Billing Cycle 31 Payment Due Date 08/17/2011 paymmea m Payment Information tfle oddrtim for paya re reoarve by 5 00 PM al wft by the paymmd due date New Balance $7,489-91 Minimum Payment Due $2,52933 Payment Due Date 06/17/2011 Late Payment Warning: 8 we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35. Minimum Payment Warning: it you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: if yoli make no adcktidnal_ You wjil poy oft the: • nd ydu:wi0 :d i8rges using thi$.caid . `.. tmitince;sfiown.dn.t its :'::arid up.Psri^0 =and each'iorttti y?u P?Y;-.:: atateinerit:in about.:; . ........... estimated total of::. ............. Only the mirtittwm payment 21 years $20,174 $312 3 years $11,250 (Savings= $8, 924 you would tike information about credit counseling services, call 1-877-337-8188 Your Sears Choice Rewards Summary Previous Reward Points Balance 0 Reward Points Earned This Period 0 Adjustments to Reward Points 0 Reward Points Redeemed This Period 0 Ending Reward Points Balance 0 You must pay your Promotional balance of $1021.28 in hull by 12/17111 to avoid paying deterred interest charges. Transactions Trans Date Post Data Description Amount Fees 07/17/11 07/17/11 LATE FEE TOTAL FEES FOR THIS PERIOD Interest Charged 35.00 35.00 07121/11 07/21/11 INTEREST CHARGE ON PURCHASES 136.51 INTEREST CHARGE ON CASH ADVANCES D.00 TOTALINTEREST FORTHIS PERIOD 13651 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION This Account Is Issued by Citibank (South Dakota), N.0. Mimi dolach this podbn and rek- *M your paymmd to 1r m proper crepe. RoWn upper podbn for your records. Sears MasterCard Account Number. 3846 Payment Minimum New Balance Due Dale Payment Due Arnotmt Enclosed $7,489.91 118/17/11 52,52933 s OODDODO EX 13 112D2 1 TXS503 FVG 001 7 N rr1611111111111111111111111!'11111iI'illllllrrl'!II'1111'1l1 Make check payable to DOROTHY L SHIPLEY SEARS CREDIT CARDS 43 BUTTONWOOD LN PO BOX 183082 CARLISLE PA 17015-7803 COLUMBUS, OH 43218-3082 ' 1111 Please make address changes on reverse side. -11111111111111 -'111 '111 ' '111111- 11111111111111 III, 111111 100 1846 0748991 0252933 0000000 1312 11 labrmatlon Abed Your Accourt Now to Awk! P+ybq lutemi on Purchasn. Your payment due date is at least 25 days after the dose of each MOM cycle We will not charge you any interest on purchases I you pay you New Balance by the payment dare date each month This is called a grace period on purchases. It you do not pay the New Balance in full by the payment due date, you will not get a gram period on purchase until you pay the New Balance in full for two billkg cycles in a roar We will begin charging interest on cash advances and balance transfers (If made m your account) on the transaction date. I you have a balance subject to a deferred interest promotion and that promotion does not exple before the payment due daft that balance (the 'e eluded promotional balances excluded from the amount you must pay in full to get a grace period Ho nw. you mui;;I still pay any separately req*ed payment an Ithe excluded promotion. in bikq are allocated to deferred Interest balances first, the deferrin vitich ed interest payments balance will be reduced before any Otherbalance on the acax t. HOwwrvec you vd mr&w to get a grace period on purchases so lag as you pay the New Balance less anj aclyded promotional batamas in full by the payment clue date each billing cycle. in addition. certain pomotimaf otters may lake away the grace period on purchases Other promotional offers not described above may also allow you to hen a grace period on purchases without having to pay all or a portion of the promotional balance by the payment due date. If either is the case, the promOtiorml otter wile describe what happens. Now Mfg Calculate Your Bdme Subject to hdarest Rate. We use a daily balance method (nchxbno current transactions) to calculate interest charges. To find out more information about the balance computation method and how the resulting interest charges were determined. contact us at the 'Cal us at' number m the hovel. Balance Transfems. Balance transfer ammurts are included in the 'Purchases' Ine in the Summary of Account Activity (d balance transfers are avabble on your account). Tiarsaction Date. The Transaction pate shown on the statement is also the Sate Date DWR Reporting ChpA@L I you think we reported inaccurate iforimbon to a credit bureau mite us at 'White to its at" address shown on the front laeport a lost or Stoke Card Immediately. Call the "Call its at' number shown loll the front What To Do N You Think Yon Find a Mistake on Your Statement 9 you think there is an error on your statement, while to us at the address shown on the front where it says IN* to us at in your letter. give us the following inimnation: Ayinat_i?rc Your name and acaunt number. Dollar amount dollar amount of be suspected error Problem I you think there is an error on you bill, describe what you beieve is wrong and why you believe I is a mistake. You must contact us within 60 days alter the era appeared m you statement You must notfy us of any potential errors in wriili You may call us but if you do we are not required to investigate any polential eras and you may have to pay the amount in gmfion While wt I nVestlgate whether or not there has been an error, the fdlowirig are tore: We cannot try to collect the amount In question, or report you as delinquent on that amount. The tlwatge in westion may remain on your statement, and we may continue to chargqee you interest on that amount. But, if we determine that we made a mistaix you will not have to pay the auaumt in rprestio n or any interest or other fees related to that amount. While you do not have to pay the amount in question you are responsible for the remainder of your glance. We can apply any unpaid amourd against your credit limit. Your Btabh R You Are Dlnat led With Your Qtdit Card Purchasas ff you are dissatisfied with the goods or services that you have purchased with your credit card. and you have tried in rood faith to correct the problem with the merchant you may have the rfght not to pay the remaining amount due an the purchase To use this right all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than 550. (Mote: Neither of these are necessary I you purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services) L You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit cad account do not quality. .1 You must not yet have turfy paid for the purchase. If all of the criteria above an met and you ore still dissatisfied with the purchase. oontact us in vniti at the address shown on the front where it says 'Write to us at' While we investigate, the same rules apply to the disputed amount as discussed above! After we finish our investigation, we will tell you our decision At that point 0 we think you owe an amount and you do not pay we may report you as delinquent larportant Payment Instructions. Cre&* Payareots I we receive you payment in proper form at our Processing facility by 5 P.M. local time there, it wig be credited as of that day A payment received there in proper fens after that time will be credited as of the next day Allow 5101 days for payments by regular Huai to reach ui There may be a delay of up to 5 days in rrediing a payment we receive that is not in proper form or is not sent to the correct address The correct address for regular mail is the address on the from of the Wyment coupon A payment made in-store is not sent to the cared address The correct address for carrier or express mail Is the Express Payments Address shown below. Proper Form. For a payment sent by mail or courier to be in proper form. you must Enclose a valid check or money order. No cast gin cards. or foreign currency please Include you name and account number on the Nord of you check or money order. SMC/TOI/SCZCPlHIPs DIM 0111al'A57 -1- 0'[; 257011 B you send an d9 bb check with this parnest calory you audhorkm us to complete your payment by dectranic deb1L N we do, the dnedkq accost writ be debRed In the woo an the (beck We may do this as soon as the day we recehve the check Aso, the check will be destroyed. Copy Fee We charge S3 for each copy of a bilinq statement that dates back 3 months or more we add the tee to the room purchase balance We waive the tee 0 you request for the ropy relates to a bMM error or disputed purchase- Pryme t Optkns Other Then Regular Mall. Odbe Payneft tfisd wwwSearstardcom and sign up for online payments Emolmerd may take a few days I we receive you request to make an online payment by 5 pun Eastern time, we tvill credit your payment as of that day It we receive your request to make an online payment alter that time. we will credit your payment as of the nH3 day For security reasmi you may be unable to pry your entire New Balance with you first afar payment Ray by Phoe Service, You may use this sevke any time to make a payrre ft by phone You will be charged SK950 a representative of ours bets expedite your payment. Call by 5 pm. Eastern time to have you payment credited as of that day. I you cab after that time, your payment wig be credited as of the next day. late may process your payment etedronicaly after we verity your identify. Egnss Payments. You an send payment by courier or express mail to the D ess Payments Addresi This address is: Payments DepartmenL 1500 Boltonfieid Street. Cdumbus, OH 43M Payment murst be received in proper form at the pope address by 5 pm. Eastern time to be credited as of that day. Al payments received in proper form at the proper address after that time will be credited as of the next day. New Address If your address has changed, please print any changes beIDW. Name: Street Address: City, State, Zip: Phone: SMCMDUMCPJHIPS DIM Sears osterCard" *5 at 1-soo-e69-8488 Manage your account and pay your bill at www.saamcard.cont Write to us at PO Box 6282 Sioux Fens, SO 57117-6282 DOROTHY L SHIPLEY Account Number. XX)0( XX)0( XX)X 8846 Payment Due Date Page 2 of 2 ° 08/17!2011 2011 Totals Year-to-Date Total Fees Charged in 2011 $200.00 Total interest Charged in 2011 5850.42 Billed Deferred Previous Payments Purchases Interest Promo Interest Exp. Promotions Balance 6 Credits 8 Debits Charges Balance Charges Date DEFERRED INTWiPMTS $1,021.28 50.00 $0.00 $0.00 $1,02128 5344.99 12/17/11 Interest Charge Calculation Your Annual Percentage Rate APR is the annual interest rate on our account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge PURCHASES Regular 2524% (d)(v) $6,36652 $136.51 DEFERRED INT W/PMTS 2524% (d)(v) - $0.00 CASH ADVANCES Regular 27.15% (d)(v) $0.00 $0.00 (v) = Variable Rate (d) = Daily (m) . Monthly Cardmember Hews IMPORTANT NOTICE ABOUT YOUR ACCOUNT Effective July 1, 2011, Citibank (South Dakota), NA, is merged into Citibank, NA. Citibank, NA_, which is located in Sioux Fags, South Dakota, is the new issuer of your account. All references to Citibank (South Dakota), NA., in your account documentation, including the Card Agreement, and in com murrcations about your account should be deemed to rotor to Citibank, NA. Any optional program provided by Ciubonk (South Dakota), NA., is now provided by Citibank, NA. • sears Customer Service: Sears MasterCard' tserlrecard.com ® Account Inquiries: 1-OW0?49-8488 *Accou nt Statement Sail Morita of e" Erma AN Cudaw 5eMoe tpulrtea to, SEARS CREDIT CARDS PO Bat 6282, Sioux Fslis, SD 571174= Summary of Account Activity Payment Information Previous Balance $7,489.91 New Balance $7 14 665 Payments 4$0.00 . . Minimum Pa ment D e Oth C di y u $2,956.79 er re ts 4$0.00 P t D D Purchases +$0.00 aymen ue ate September 17, 2011 Cash Advances i$0.00 late Payment Warning: if we do not receive your minimum payment by the Fees Charged +$35.00 date listed above, you may•have to pay a We fee up to $35. Interest Char ed +$140.23 Minimum Payment Warning: If you make only the minimum payment each New Balance $7,665.14 Past Due Amount $1,539.42 Period, you will pay more in interest and it will take you longer to pay off your balance For example :s tf yam, nlelce at4alsonal YQU wdl pay 'loft tt1Q And you wAl c , Credit Limit 0.00 frarges usIn this. ard and eecli monVt ji halartce shown on Uils t t t ab end up?paylrig en , Available Credit 0 00 .) w pay s a emen In out ;estmtated foist ot... $ . Cash Advance Limit 0 00 only the minimum payment 21 years $20,231 . Available Cash Limit 0.00 $321 3 ears $11,544 Amount Over Credit Limit $1 165 14 y (Savings=$8,687) , . Statement Closing Date 0812112011 It you would Ike infonnatlon about credit coumeling servlces, call 1-1377.337-8108, Next Statement Closing Date 0912012011 Days in Billing Cycle 31 You must pay your promotional balance of $1,021.28 in full by 12117/11 to avoid paying deferred interest charges. TRANSACTIONS Trans Date Description Referencelr Amount FEES 08:17 LATE FEE S 35.00 TOTAL FEES FOR THIS PERIOD 35M 6 ME 13 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ---- Pape 1 of 4 This Account Is Issued by Citibank, NA ---------------------------------------------------- -----------------------------------------------------------. 't' Please detach dws ponlon and room with your payment to Insure proper rre&. Retain upper portion for your recw&. Sears MasterCard" SSEEARS CED Payable `° .. .. ..... ._.,'rpr ..-.. vw .,uwm o nn.wv ore IYOr111r1Ym ra ntem UIM, :YourAccouai:Numtier;.;1• Payment Due Date New Balance Past Due Amountt Minimum Payment Due Amount Enclosed SEPTEMBER 17, 2011 $7,665.14 $1,539.42 $2,956.79 $ SAVE STAMPS, TIME... AND TREES! Msit Arno . at Oiline and rtVsfer 1 io1,? br Onl;rle Bill Pay, aperless Statements arri More. 021 8846 0766514 0295679 0017500 131 000 7 DOROTHY L SHIPLEY 43 BUTTONWOOD LN CARLISLE, PA 170157803 SEARS CREDIT CARDS PO BOX 103062 COLUMBUS, OH 43218-3082 Prim address char" above In blue ct deck ink_ 0 Information About Your Account. How to Avoid Paying Interest on Purchases. Your payment due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your New Balance by the payment due date each month. This is called a grace period on purchases. If you do not pay the New Balance in full by the payment due dale, you will not get a grace period on purchases until you pay the New Balance in full for two billing cycles in a row. We will begin charging interest on cash advances and balance transfers (if available on your account) on the transaction date. If you have a balance subject to a deterred interest promotion and that promotion does not expire before the payment due date, that balance (the "excluded promotional balance") is excluded from the amount you must pay in full to get a grace period. However, you must still pay any separately required payment on the excluded promotion. In billing cycles in which payments are allocated to deferred interest balances first, the deferred interest balance will be reduced before any other balance on the account. However; you will continue to gel a grace period on purchases so long as you pay the New Balance less any excluded promotional balances in full by the payment due dale each billing cycle. In addition, certain promotional oilers may take away the grace period on purchases. Other promotional offers not described above may also allow you to have a grace period on purchases without having to pay all or a portion of the promotional balance by the payment due date. It either is the case, the promotional utlei will descr ibe what happens. How We Calculate Your Balance Subject to Interest Rate. We use a daily balance method (including current transactions) to calculate interest charges. To find out more information about the balance computation method and how the resulting interest charges were determined, contact us at the Account Inquiries number on the front. Balance Transfers. Balance transfer amounts are Included in the "Purchases" line in the Summary of Account Activity (if balance available on your account). you must notify us of any potential errors in uniting. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount, But, if we determine [flat we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. our_Ri.ghtU You Aro-PILMHSfted With Your Credit C.ard_P_4rchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant. you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note. Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. You must not yet have fully paid for the purchase. transfers are If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Errors address shown on the Transaction Date. The Transaction Date shown on the statement is also the Sale Date. Credit Reporting Disputes. It you think we reported inaccurate information to a credit bureau write us at the Customer Service address shown on the front. Report a Lost or Stolen Card Immediately. Call the Accounl Inquiries number shown on the front. What To Do if You Think You Find a Mistake on Your Statement If you think there is an error on your statement, write to us at the Billing [rrors address shown on the front. In your letter, give us the following information: Account information: Your name and account number. Dollar amount: The dollar amount of the suspected error. Description of Problem: It you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. Proper Form. For a payment sent by mail or courier to be in proper form, you must: Enclose a valid check or money order. No cash, gift cards, or foreign currency please. Include your name and account number on the front of your check or money order. It you send an eligible check with this payment coupon, you authorize us to complete your payment by electronic debit. If we do, the checking account wM be debited in the amount on the check. We may do this as soon as the day we receive the check. Also, the check will be destroyed. Copy Fee. We charge $3 for each copy of a billing statement that dates back 3 months or more. We add the lee to the regular purchase balance. We waive the fee if your request for the copy relates to a billing error or disputed purchase. Payment Options Other Then Regular Mail. Online Payments. Visit the web address on the front and sign up for online payments. Enrollment may take a few days. If we receive your request to make an online payment by 5 p.m. Eastern time, we will credit your payment as of that day. If we receive your request to make an online payment alter that time, wo will credit your payment as, of the next day. ror security reasons, you may be unable to pay your entire New Balance with your first online payment. Crediting Payments. If we receive your payment in proper form at our processing facility by 5 p.m. local time there, it will be credited as of that day. A payment received there in proper forrn after that time will be credited as of the next day. Allow 5 to 7 days for payments by regular mail to reach us. There may be a delay of up to 5 days in crediting a payment we receive that is not in proper form or is trial sent to the correct address. The correct address for regular mail is the address on the front of the payment coupon. A payment made in-store is not sent to the correct address. The correct address for courier or express mail is the Express Payments Address shown below. Pay by Phone Service. You may use this service any time to make a payment by phone. You will be charged S14.95 if a representative of ours helps expedite your payment. Call by 5 p.m. Eastern time to have your payment credited as of that day. If you call after that time, your payment will be credited as of the next day. We may process your payment electronically after we verify your identity. Express Payments. You can send payment by courier or express mail to the Express Payments Address. This address is: Payments Department, 1500 Boltonfield Street, Columbus, OH 43228. Payment must be received in proper form at the proper address by 5 p.m. Eastern time to be credited as of that day. All payments received in proper form at the proper address after that time will be credited as of the next day. Page 2 of 4 front. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. Al that point, if we think you owe an amount and you do not pay we may report you as delinquent. Important Payment Instructions. Era SN: rjVjSCCISCP1HIPs Wfl T012W 1238-530o-(I I P4E-3q-xASO V to-4ef4Y-7-e-04SHSCHFEE-12/31reaGMB-July 21,2011-V 0 Account: **`* **** **'* 8846 0 TRANSACTIONS (CDnt.) Trans Date Description Reference # Amount INTERESr CHARGED 0821 INTEREST CHARGE ON PVRCHASES $ 140.23 TOTAL INTEREST FOR THIS PERIOD $ 140.23 rs• ' _ ?.___-_ t .. .,.. .:. .r.,.r... ?,r-...:ate.: 201'1 Totals Year==to?Date .?, Total Fees Charged in 2011 $235.00 Total Interest Charged in 2011 $990.65 Original Previous Payments Billed New Promo Deferred Trans Trans PROMOTIONS Amount Date Promotion and Balance Credits Interest Promotion Monthly . Ch B interest Expiration a es alance P ment Charges Date DEFERRED INT WYMTS $1,021.28 05127/10 $1,02120 - - $1,021.28 - $374.59 12117/11 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) Is the annual Weresi rate on our account. 7 ""e of Balance ?:. , _'. ,1:< *AnnualPercxntage Rate? AP;R ; :BalaritB;S Y ..... ul*eCttoirterest,Rate . " . __ I,nttsrest Ch PURCHASES REGULAR arge. 2 $6,541.81 140.23 25 2496 D C8SH ADVANCES REQVLAR 27.5 D .00 00 = Varta * Rate (I)) = Daily REWARDSSUMMARY Previous Pants Balance 0 Points Earned 0 Points usted 0 Points Redeemed 0 Endin Points Balance 0 Page 3 of 4 0 • Account: **** **** **** 8846 Your New Statement: Clear. Concise. Easy to read. Clear. Statements are written in everyday larx?jage trk3t you'll be able to read cnd urdorstand. They show you how much you've spont, haw much you ove, when you owe it and now long it will take you to pay it oft, Concise. Tl-e inlformation is'dud*ted' into sections that make It easy :o Ind what yo 're lookir- for arc is written In norral, everyday language. Easy to read. TI-e Kids themselves are in a large and easy-to-read typeface. Transactions Clearly see the acl[Mty that occurred to create your monthly balance: purchases, payments and rxedits, fees and interest for she billing cycle Promotions Section Customer'-friendly surnmary. %hth promotions fisted in order of elation Summary of Account Activity Monthly account activity-payrnenis, credits, fees, and interest charged Account Number/Contact Information Payment Infonmation Your balance, minimum payment and due date Payment Calculator An esdrnated time it will take to pay off your balarx;e when making the minimum payment and how much you should pay each month to pay off your balance in 36 months Amount AccouK"uki a: A.~irll_ '? 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"" - _ - L , r ».? ,. •• ,1' Tia.mi?•?gyex? 4 0ri9lnal'TranS6CtlonArnOUnt^m . . i FVlow/s you to reference the or" purCtlase an'lOlllt '"°"p- ? - <?°• `r"'' °'-' ' New Promotion Balance ?`? , ,:.:.;a.- rte; "°' • Keep track of the amount of the >< . _ , , , . : CALCMATO« . ,,? ..?y, .?, •??> original promotionalpurchase ,? r ,,..ate .. . .. .. a ??.?. - .. ... **.a .. - eav9ey+ras. .. which remains unpaid 1 gyralaxa: ... .. -iavray .. . . ....??trr>7e f9.fYe.tt?? ..{ aCrifPN -yv tA9 fix G9 _ . .. mLGI M,fJI .Yi I?rOAe i?? 7aC/r/aa07[I?• ? K"? ; Sea A'?. N IY .. _ .. ?rotto+.+? 8?t+u>ot¢ ' ?svmPN .._ "gL59e.W3.9 fe 9i19fi.M fsss33iY!e ... _ yagvJ geAfi ' .. ?ie3rvteri- . F . - g9.?s.faJ w .:? c>_'1: a.^tttlCES .... ... 'sen?Y-- Wf2.sK.yf .. s99w9.n» ? ? " ° Page 4 of 4 m ? ? N- C } zo ?? E 30; N C ? N •? > U} ,D W U) } cl 44 C6 C co t m L O _ _Q 0e U' cc U ??? L LD c ? ? ? f ¦ > CL LD I0 w `o` E , 3 o o Cf) f? c. a> c =.a m o CL CD w u) a) co c: ti 2 C> 2 a (D CC ? Q CL?? m rVolp'll '-• c? E cow r C) ._ IL a d r G CD C N 43 M 0 r L - -. 1 ?.n Y Ir Ln co is .C3 :C3 C3 ?'m `wad N ` -4- . z v.. •z %- 0 r 7 N Ln as Ln [y O r Q 4i U L 0 0 is N T T M E tQ to a. • • i CL CD 70 CD CD D. O ?... c ??3 bowl ` r ?f CL mu QL > CD W CL N 5* Y ?• 0 x c z W 0 CD ITT 0 m _0 C-o?i . • {/? 0 L CD p, V/ G) -n G «.a ID ?. d • Requests for Admission With reference to the Account Statements served with the requests for admission, interrogatories and requests for production: 1. You admit plaintiff mailed, transmitted or provided each of the Account Statements to you. 2. You admit you received the Account Statements. 3. You admit that the Account Statements are correct copies of the Account Statements you previously received. 4. You admit that the detail for charges in the Account Statements is accurately reflected. 5. You admit that the detail for credits in the Account Statements is accurately reflected. Y-05 6. With regard to. each of the Account Statements; which reflect a credit,for a•payment: 1. ... .. .. ;.+ -r. ,!r . . A. You admit you reviewed the Account Statement. ?L B. You admit that after determining the?Account Statement, i,nformation.was correct, you then made a payment to plaintiff. - y.? s C. You admit thai for each month you made a payment that a credit for the payment was correctly set forth in the;following. month's. Account. Statement. EXHIBIT ?> , 7. With regard to each of the Account Statements which reflect no credit for payment: A. You admit you reviewed,the Account Statement..,, B. You admit that after determining that,the Account Statement information was correct, you did not make'a payment by the payment due date. C. You admit that for each month in which you did not make a payment that the following month's Account Statement correctly. reflected no payment,was made., ' Y s . 1 i , ;i.`.' ' .' a Y•..1.•.1 i'?, ?!. ..•' ? '.i . 8. You admit that you made the payment or you caused the payment to be made in the amount shown in each of the Account Statements for which a credit for a payment is reflected. 9. You admit as to each Account Statement which reflects no credit for a payment made, that a payment was not made by the due date stated in the prior month's statement. 10. You admit that the last payment on the account was made on January 16, 2011. 11. You admit that within sixty (60) days from your receipt of each Account Statement that a written billing error notice was not sent to plaintiff. Praecipe for Listing Case for Argument (Must be typewritten and submitted in duplicate. -, IJ TO THE PROTHONOTARY OF CUMBERLAND COUNTY: x.'a ^ 3 rh?l,? Please list the within matter for the next Argument Court. CITIBANK, N.A. V. Plaintiff DOROTHY L SHIPLEY Defendant NO. 11-9203 1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to complaint, etc.): Summary Judgment Motion 2. Identify counsel who will argue case: (a) for plaintiff: Brit J. Suttell, Esquire c/o Burton Neil & Associates, P.C. address: 1060 Andrew Drive, Suite 170, West Chester, PA 19380 b) for defendant: Dorothy L. Shipley, Pro-Se address: 43 Buttonwood Lane Carlisle, PA 17015 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: July 13, 2012 rit J. ttell, Esquire Attorney for the Plaintiff The law firm of Burton Neil & Associates is a debt collector. W 4 l9aasHio8 THE PRO TH0,;j TA f?„ 1t2 JUL 13 AM g: 35 CUREN"D COUNTY YLVAMIA Burton Neil & Associates, P.C. By: Edward J. O'Brien, Esquire ID. NO. 32985 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. DOROTHY L SHIPLEY CUMBERLAND COUNTY, PENNSYLVANIA NO. 11-9203 Defendant : CIVIL ACTION - LAW Entry of Appearance To the Prothonotary: Kindly enter my appearance on behalf of plaintiff, CITIBANK, N.A., in connection with the above matter. BuZdJ. sociate s, P.C. By: O'Brien, Esquire Attorney for Plaintiff The law firm of Burton Neil & Associates is a debt collector. C-55363 CITIBANK, N.A., . Plaintiff V. DOROTHY L. SHIPLEY, Defendant IN THE COURT OF COMMON PLF OF THE NINTH JUDICIAL DISTRI No. 2011-9203 CIVIL TERM IN RE: MOTION FOR SUMMARY JUDGMENT ? ORDER OF COURT AND NOW, this?b day of July, 2012, upon consideration of Plaintiff's Motion Summary Judgment, and following argument held on July 13, 2012, Plaintiff's N for Summary Judgment is granted, and judgment is entered in favor of Plaintiff Citi N.A., and against Defendant Dorothy L. Shipley in the amount of $7,665.14. Thomas . Lacey, C.P.J. Yale D. Weinstein, Esq. Burton Neil & Associates, P.C. 1060 Andrew Drive, Suite 170 West Chester, PA 19380 For Plaintiff Dorothy L. Shipley 43 Buttonwood Lane Carlisle, PA 17015-7803 Defendant, pro se 4'-e-s ma.-led 7??? f ra c -j 'n F ? -j C CITIBANK, N.A., Plaintiff V. DOROTHY L. SHIPLEY, Defendant IN THE COURT OF COMMON PLE OF THE NINTH JUDICIAL DISTRI No. 2011-9203 CIVIL TERM IN RE: MOTION FOR SUMMARY JUDGMENT BEFORE GUIDO AND PLACEY, JJ. OPINION and ORDER OF COURT Placey, C.P.J., Julyj?, 2012. In this debt collection action against a credit card debtor, Plaintiff Citibank sued Defendant for an allegedly delinquent credit card balance of $7,665.14. Fc disposition at this time is a Motion for Summary Judgment filed by Plaintiff again,, Defendant. Oral argument was held on July 13, 2012. For the reasons stated in thi opinion, Plaintiff's Motion for Summary Judgment will be granted. STATEMENT OF FACTS In this case, Plaintiff filed an eleven-paragraph complaint on December 12, 2011 which alleged that Defendant failed to pay a credit card balance due and owing, evidenced by multiple credit card statements.' To its Complaint, Plaintiff attached Exhibit entitled "Account Statement," showing a "Minimum Payment Due" of $2,956.79 1 See Plaintiff's Complaint, filed December 12, 2011. and a "New Balance" of $7,665.14.2 Defendant filed a pro se answer on September 2010, which stated, in pertinent part: Defendant retained the services of the Arnold Law Offices .... This account number ending in 8846 was included in the agreement with the Arnold Law Offices. Sears and Citibank were sent a cease and desist letter on April 1, 2011 .... Sears and Citibank were notified of the Attorney's address and contact information shortly after April 1, 2011 by the Defendant. Due to serious health problems brought on by family crises, defendant has had financial problems since February 2011. Defendant does not have sufficient funds to pay the full amount of disputed debt, if any.' On June 8, 2012, Plaintiff filed a Motion for Summary Judgment, attached to which wei over fifteen consecutive monthly billing statements.4 The first statement purported to I the inaugural statement issued, and reflected a payment due date of July 13, 2010, "New Balance" of $1,021.28, and a "previous balance" of $0.00.5 The final statemer included reflected a payment due date of September 17, 2011, a "New Balance" c $7,665.14, and a "Minimum Amount Due" of $2,956.79.6 Additionally, to its Motion fc Summary Judgment, Plaintiff included Requests for Admissions and Defendant' responses thereto. Defendant's responses were in the form of an unqualified "yes" to eac: of the following requests for admissions: You admit plaintiff mailed, transmitted or provided each of the Account Statements to you. 2. You admit you received the Account Statements. 3. You admit that the Account Statements are correct copies of the Account Statements you previously received. 2 Plaintiff's Complaint, Exhibit A, filed December 12, 2011. ' Defendant's Answer to Complaint-Notice, ¶¶7-11, filed December 27, 2011. 4 Plaintiff's Motion for Summary Judgment, filed June 8, 2012. 5 Account Statement dated July 13, 2010, attached to Plaintiff's Motion for Summary Judgment, filed June 8, 2012. 6 Account Statement dated September 17, 2011, attached to Plaintiffs Motion for Summary Judgment, filed June 8, 2012. 2 4. You admit that the detail for charges in the Account Statements is accurately reflected. 5. You admit that the detail for credits in the Account statements is accurately reflected. 6. With regard to each of the Account Statements which reflect a credit for a payment. A. You admit you reviewed the Account Statement. B. You admit that after determining the Account Statement information was correct, you then made a payment to plaintiff. C. You admit that for each month you made a payment that a credit for the payment was correctly set forth in the following month's Account Statement. 7. With regard to each of the Account Statements which reflect no credit for payment: A. You admit you reviewed the Account Statement. B. You admit that after determining that the Account Statement information was correct, you did not make a payment by the payment due date. C. You admit that for each month in which you did not make a payment that the following month's Account Statement correctly reflected no payment was made. 8. You admit that you made a payment or you caused the payment to be made in the amount shown in each of the Account Statements for which a credit for a payment is reflected. 9. You admit as to each Account Statement which reflects no credit for a payment made, that a payment was not made by the due date stated in the prior month's statement. 10. You admit that the last payment on the account was made on January 16, 2011. 11.You admit that within sixty (60) days from your receipt of each Account Statement that a written billing error notice was not sent to plaintiff.' On June 15, 2012, a praecipe to list the motion for argument was filed by Plaintiff.8 sixty days have passed since Plaintiff filed its motion for summary judgment, Defendant has filed neither a response nor a brief in opposition.9 Plaintiff's Motion for Summary Judgment, Exhibit B, filed June 8, 2012. s Praecipe for Listing Case for Argument, filed June 15, 2012. 9 Nor did Defendant appear at the oral argument on Plaintiff's motion. 3 DISCUSSION Pennsylvania Rules of Civil Procedure 1035.1 through 1035.5 govern summary judgment motion in this matter. Under Rule 1035.2: After the relevant pleadings are closed, but within such time as not to unreasonably delay trial, any party may move for summary judgment in whole or in part as a matter of law (1) whenever there is no genuine issue of any material fact as to a necessary element of the cause of action or defense which could be established by additional discovery or expert report, or (2) if, after the completion of discovery relevant to the motion, including the production of expert reports, an adverse party who will bear the burden of proof at trial has failed to produce evidence of facts essential to the cause of action or defense which in a jury trial would require the issues to be submitted to a jury. Pa. R.C.P. No. 1035.2. The burden of responding to a motion for summary judgment is set forth in 1035.3: (a) [T]he adverse party may not rest upon mere allegations or denials of the pleadings but must file a response within thirty days after service of the motion identifying (1) one or more issues of fact arising from the evidence in the record controverting the evidence cited in support of the motion or from a challenge to the credibility of one or more witnesses testifying in support of the motion, or (2) evidence in the record establishing the facts essential to the cause of action or defense which the motion cites as not having been produced. Pa. R.C.P. No. 1035.3 (emphasis added). In responding to a motion for summary judgment, an adverse party under Ri 1035.2(b) may supplement the record or set forth the reasons why the party cam present evidence essential to justify opposition to the motion and any action proposed be taken by the party to present such evidence. As noted above, Defendant has failed to offer any response to the motion. Rule 1035.3(d) provides that "summary judgment may be entered against a party who does not respond." Pa. R.C.P. No. 1035.3(d). A motion for summary judgment will not, however, 4 be automatically granted simply because the non-moving party has failed to respond. Stilp v. Hafer, 701 A.2d 1387 (Pa. Cmmw. Ct. 1997), aff'd 553 Pa. 128, 718 A.2d 2 (1998). Rather, the evidentiary record must establish that the moving party is entitled judgment as a matter of law. In this case, Plaintiff relies upon the (1) averments in its complaint, attached which is a Statement of Account bearing the total amount requested in the ad clause; (2) Defendant's response thereto, which admit the existence of an ou debt10; and (3) Plaintiff's Motion for Summary Judgment, attached to which are ( numerous monthly Account Summary statements up to September of 2011,11 the earlie of which is dated July of 2010;12 and (b) Defendant's unequivocal affirmative to the Requests for Admissions. 13 Based upon the averments in Plaintiff's Complaint, Defendant's respons thereto, 14 and the essentially uncontested Motion for Summary Judgment, the facts, whe: taken in the light most favorable to the non-moving party, establish that Defendan requested and received a credit card issued by Plaintiff, 15 used the card to incur charges '1 that the account statements contain accurate representations of charges and credits made by Defendant on the account, 17 that Defendant has not made a payment on the balance a 10 Defendant's Answer makes a contention that she is working with a debt management company. Neither Plaintiff nor Defendant avers that there has been a settlement agreement reached between the parties. ' 1 The most recent statement indicates a balance of $7,665.14.82. See Account Statement, September 17 2011, attached to Plaintiff's Motion for Summary Judgment, filed June 8, 2012. 12 Monthly Account Summaries, attached to Plaintiff's Motion for Summary Judgment, filed June 8. 2012. 13 Plaintiff s Motion for Summary Judgment, Exhibit B, filed June 8, 2012. 14 See Pa. R.C.P. No 1029(b) ("[a]verments in a pleading to which a responsive pleading is required are admitted when not denied specifically or by necessary implication"). 15 Complaint, ¶4, filed December 12, 2011; Defendant's Answer to Complaint-Notice, ¶4, filed December 27, 2011. 16 See Monthly Account Summaries, attached to Plaintiffs Motion for Summary Judgment, filed June 8, 2012. " Exhibit B, ¶4, attached to Plaintiff s Motion for Summary Judgment, filed June 8, 2012. 5 any time after January 16, 2011,18 that no objection in the form of a billing error notic was ever sent to plaintiff following the receipt of each Account Statement, 19 that plainti accumulated a balance due of $7,649.8220, and had failed to make payment when due. Given the facts of record, the court must conclude that there are no genuine issues material fact at issue in this case and that Plaintiff has established its right to summai judgment as a matter of law. 22 For the reasons stated above, the following order will be entered: 18 Exhibit B, ¶10, attached to Plaintiffs Motion for Summary Judgment, filed June 8, 2012. 19 Exhibit B, ¶11, attached to Plaintiff's Motion for Summary Judgment, filed June 8, 2012. 20 Exhibit B, 14, attached to Plaintiff's Motion for Summary Judgment, filed June 8, 2012; Monthly Account Summaries, attached to Plaintiff's Motion for Summary Judgment, filed June 8, 2012. 2' Exhibit B, attached to Plaintiff's Motion for Summary Judgment, filed June 8, 2012. 12 In making its determination, the court is neither unequivocally accepting the viability of an account stated cause of action arising out of an alleged consumer credit card debt, nor determining whether the complaint, as filed, fully satisfied the Pennsylvania Rules of Civil Procedure. The posture of the instant matter is distinguished from that of cases in which the court determined that the complaint as pled in an account stated cause of action was insufficient. See, e.g., Citibank, N.A. v. Wadas, 61 Cumb. , No. 2012-1705 (Pa. Com. Pl. Cumb. Cnty. 2012) (Peck, J.); 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.) (requiring creditor to plead debtor's acceptance of account stated by attaching a copy of cardholder agreement, statement of account, and acquiescence to amount due, and cannot escape such pleading requirements by characterizing its claim as being based upon an account stated theory). Here, Plaintiff did not challenge the adequacy of the pleadings; instead, she acquiesced to the amount owed and accuracy of account statements by way of her admissions. 6 ORDER OF COURT AND NOW, this %* day of July, 2012, upon consideration of Plaintiff's Motion Summary Judgment, and following argument held on July 13, 2012, Plaintiff's Mot for Summary Judgment is granted, and judgment is entered in favor of Plaintiff Ci N.A., and against Defendant Dorothy L. Shipley in the amount of $7,665.14. BY THE COURT, Thomas A. P acey, C.P.J. Yale D. Weinstein, Esq. Burton Neil & Associates, P.C. 1060 Andrew Drive, Suite 170 West Chester, PA 19380 For Plaintiff Dorothy L. Shipley 43 Buttonwood Lane Carlisle, PA 17015-7803 Defendant, pro se 7 OF, PPI 12 JUL 3O PH 2: 5b "UMBERLANO COUNTY +PENNS YLVANI,A, Burton Neil & Associates, P.C. By: Yale D. Weinstein, Esquire ID. NO. 89678 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff _ CITIBANK. N.A. V. Plaintiff DOROTHY L. SHIPLEY Defendant To the Prothonotary: IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 1 1-9203 CIVIL ACTION - LAW Praecipe for Entry of Judgment on Court Order Enter Judgment on behalf of the plaintiff, CITIBANK, N.A., and against the defendant, DOROTHY L SHIPLEY, as per the Court's Order dated July 16, 2012 and assess damages in the sum of $7,665.14. Burto.v Neil By_ Ass-iates, P.C. /Vale D. A? iflst,--in, Esquire And now, this 3t' day of 20 la, judgment is entered on s' - behalf of the plaintiff CITIBANK, N.A. and against the defendant, DOROTHY L SHIPLEY, in the sum of $7,665.14. ayr,? s?Ik sb? a C k. u?a? ? 45 Pr hon(MV of•Ceaiberland Co Wbkl -CA I In making this communication, we advise that this office is a debt collector. C-55363 /221 CITIBANK, N.A., Plaintiff v DOROTHY L. SHIPLEY, Defendant '"fit IN THE COURT OF COMMON PLEAS OF THE NINTH JUDICIAL DISTRICT No. 201.1-9203 CIVIL TERM. IN RE: MOTION FOR SUMMARY JUDGMENT 1 ORDER OF COURT AND NOW, this Ib day of July, 2012, upon consideration of Plaintiff s Motion for fix Summary Judgment, and following argument held on July 13, 2012, Plaintiffs Motion for Summary Judgment is granted; and judgment is entered in favor of Plaintiff Citibank, N.A., and against Defendant Dorothy L. Shipley in the amount of $7,665.14. -----B-Y1-1Z- eeCHI -T , Thomas Lacey, C.P.J. Yale D. Weinstein, Esq. Burton Neil & Associates, P.C. 1060 Andrew Drive, Suite 170 West Chester, PA 19380 For Plaintiff Dorothy L. Shipley 43 Buttonwood Lane Carlisle, PA 17015-7803 Defendant, pro se MCO Fri p a,* CD "T1 x c> C-i _ ro Burton Neil & Associates, P.C. By: Yale D. Weinstein, Esquire ID. NO. 89678 1060 Andrew Drive, Suite 170 West Chester. PA 19380 610-696-2120 Attorney for Plaintiff CITIBAN K.1vL: ?. 701 East 60th Street N Sioux Falls, SD 57117 Plaintiff V. DOROTHY L SHIPLEY 43 Buttonwood Lane Carlisle PA 17015-7803 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 11-9203 Defendant CIVIL ACTION - LAW Certification of Address and Affidavit of Non-Military Understanding that false statements herein are subject to penalty under 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities, I verify that: 1. The above are the precise last-known addresses of the judgment creditor and debtor. 2. Pursuant to Section 201(b)(1)(A) of the Servicemembers Civil Relief Act of 2003 (SCRA) the defendant is not in the military service of the United States based on information received from the defendant and/or the Department of Delfense website. Burto Neil & ssoci?t es, P.C. B,Yale . Weinstein, Esquire Atto ey for Plaintiff In making this communication, we advise that this office is a debt collector. Burton Neil & Associates, P.C. By: Yale D. Weinstein, Esquire ID. NO. 89678 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITFBANK, N.A. IN THE COURT 01, COMMON FLEAS Plaintiff V CUMBERLAND COUNTY, PENI\1SYLV.ANIA DOROTHY L SHIPLEY Defendant NO. 11-9203 CIVIL ACTION - LAW Rule of Civil Procedure No. 236 (Revised) Notice is given that a JUDGMENT in the above captioned matter has been entered against you on 30 Prot:honota of Cumberland County Deput If you have any questions concerning the above, please contact: Yale D. Weinstein, Esquire Attorney for Party Filing 1060 Andrew Drive, Suite 170 West Chester, PA 19380 Phone: 610-696-2120 In making this communication, we advise that this office is a debt collector.