HomeMy WebLinkAbout12-0476Blatt, Hasenmiller, Leibsker & Moore, LLC
Daniel Santucci Attorney I.D. #92800
Gregory R. Dye Attorney I.D #205316
1835 Market Street, Suite 501
Philadelphia, PA 19103
800-850-1079
-ILED-OFF IH
Attorney for Plaint iff,t' a It'-: 'w;OTHONOTA R
CITIBANK, N.A.
2012 IAN 30 Ate 11: 21
CUMBERLAND COUNTY
PENNSYLVANIA
CITIBANK, N.A.
c/o Blatt, Hasenmiller, Leibsker & Moore, LLC
1835 Market Street, Suite 501
Philadelphia, PA 19103
Plaintiff,
vs.
DEBORAH M SNYDER
5 PAMELA PL
MECHANICSBURG PA 17050-1773
Defendant.
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
CIVIL ACTION civi(
No. a 0l 2" LP l0 NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the claims set forth in the following pages,
you must take action within twenty (20) days after this complaint and notice are served, by entering a
written appearance personally or by attorney and filing in writing with the court your defenses or
objections to the claims set forth against you. You are warned that if you fail to do so the case may
proceed without you and a judgment may be entered against you by the court without further notice for
any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may
lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A
LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN
PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE
YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO
ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYER REFERRAL SERVICE
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
2662635
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AVISO
Le han demandado a usted en la corte. Si usted quiere defen derse de estas demandas expuestas en las
paginas siguientes, usted tiene veinte dias de plazo al partir de la fecha de la demanda y la notificacion.
Hase falta ascentar una comparencia escrita o en persona o con un aboga do y entregar a la corte en forma
escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisa do que si usted no
se de fiende la corte tomara medidas y puede continuar la demanda en contra suva sin previo aviso o
notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con
todas las provisiones de esta demanda. Usted puede perder dinero o sus propieda des u otros derechos
importantes para usted.
LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO O SI
NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA 0
LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO
PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL.
SERVICIO DE REFERENCIA LEGAL
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 267-2032
Blatt, Hasenmiller, Leibsker & Moore, LLC
Daniel Santucci
1835 Market Street, Suite 501
Philadelphia, PA 19103
800-850-1079
Attorney for Plaintiff,
CITIBANK, N.A.
CITIBANK, N.A.
c/o Blatt, Hasenmiller, Leibsker & Moore, LLC
1835 Market Street, Suite 501
Philadelphia, PA 19103
vs.
DEBORAH M SNYDER
Plaintiff,
5 PAMELA PL
MECHANICSBURG PA 17050-1773
Defendant(s).
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
CIVIL ACTION
No.
COMPLAINT
Plaintiff, CITIBANK, N.A. claims as follows:
1. The Defendant(s), DEBORAH M SNYDER, is a resident of Cumberland County,
Pennsylvania.
2. Defendant opened a credit account with Plaintiff on or about May 2, 2008.
3. Defendant used the account to make purchases and charges and/or receive cash advances.
4. Plaintiff billed the Defendant for payment of charges on the account and Defenant has
assented to the account.
5. Defendant has failed to make payment for the amounts due and owing.
6. There currently remains a balance of $2003.89.
7. An account stated for the sum of $2003.89 exists which sum reflects the Exhibit A statement
balance less credits, if any, which were applied subsequent to the date of Exhibit A.
8. Defendant last made a payment on the account on 03-15-2011 .
2662635
PPTCCITI
WHEREFORE, Plaintiff, requests Judgment in the amount of $2003.89, plus court costs and
interest from the date of Judgment.
Blatt, Hasenmiller, Leibsker & Moore, LLC Attorney for Plaintiff,
Daniel Santucci, Attorney I.D. #92800 CITIBANK, N.A.
Gregory R. Dye, Attorney I.D. #205316
1835 Market Street, Suite 501
Philadelphia, PA 19103
800-850-1079
CITIBANK, N.A.
c/o Blatt, Hasenmiller, Leibsker & Moore, LLC
1835 Market Street, Suite 501
Philadelphia, PA 19103
Plaintiff,
vs.
DEBORAH M SNYDER
5 PAMELA PL
MECHANICSBURG PA 17050-1773
Defendant(s).
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
CIVIL ACTION
No.
AFFIDAVIT OF NON-MILITARY SERVICE
COMMONWEALTH OF PENNSYLVANIA: County of Chester:
I, Daniel Santucci/Gregory R. Dye, being duly sworn according to law, depose and say
am the attorney for Plaintiff and I am authorzied to make this affidavit on Plaintiff's behalf.
I hereby certify that the Defendant is at least 18 years of age and not in the Military Service
of the United States, nor any State or Territory thereof or its allies as defined in the
Servicemembers' Civil Relief Act of 2004 and any amendments thereto.
I also herby certify that the statements made in the foregoing Affidavit of Non-Military
Service are true and correct to the best of my information, knowledge, and belief. I understand that
false statements herein are made subject to the penalties of 18 Pa.C.S.A. Section 4904 relatiyrg to
unsworn falsification to authorities.
Dated: January 16, 2012
By:
BLATT, HASEN
& MOORE, LL(;
Dghiel Sc'Ktlfci
Gregory R. Dye
ER, LgMSKER
2662635
PPTJCAMI
1111111111111III11111111111IN 11111111111111111111111111IIIIN
Verification
Ashley Cooley
am employed by Citicorp Credit Services, Inc. (USA)
(hereafter CCSI), a subsidiary of Citibank, N.A. (hereafter Citibank) which is successor in
interest to Citibank (South Dakota), N.A. CCSI is a service provider for Citibank in that
it services credit card accounts owned by Citibank. This includes accounts previously owned by
Citibank (South Dakota), N.A. which merged into Citibank in or about July 204. 1 am
authorized to make this verification on behalf of Citibank. The statements of facts set forth in the
complaint are true and correct upon my information and belief and are made subject to the
penalties of 18 Pa. C.S. Section 4904, relating to unsworn falsification to authorities.
2662635
PPTXCITI
1111111111111111111111111111111111111111111111111111111111111 IN
Exhibit "A"
PPTXEXF.I
a66)-63s
CITIBANK, N.A.
Plaintiff, )
VS. ) Case No.
DEBORAH M SNYDER )
Defendant. ) AFFIDAVIT
STATE OF MISSOURI )
) ss.
COUNTY OF PLATTE )
Before me, the undersigned authority, personally appeared the person identified below, who being by me duly sworn,
deposed as follows: I
1. My name is Cheryi PreStm I am of sound mind, lawful age and capable of making this Affidavit.
The statements set forth in this affidavit are true and correct based on personal knowledge and review of the business records
described herein. I am authorized to make this affidavit on behalf of Citibank, N.A. (referred to herein as "Citibank"). This includes
accounts previously owned by Citibank (South Dakota), N.A., which merged into Citibank in or about July 2011.
2. 1 am employed by Citicorp Credit Services, Inc. (USA) (referred to herein as "CCSI"). CCSI is a subsidiary of Citibank and services
accounts owned by Citibank, including maintaining and recording information in Citibank's records. Citibank is a National Bank
with its home office in Sioux Falls, South Dakota.
3. My employment duties include being a custodian of records for CCSI and Citibank with respect to accounts owned by Citibank. As
a custodian of records, I have knowledge of, and access to, account information and records concerning the defendant's Citibank
account number currently ending in 6957, which is the subject of this lawsuit (the "Account").
4. Citibank's records regarding the Account contain the name and billing address of the defendant, the Account number (and
predecessor account numbers, if any), the Account's history, including charges made, interest and/or fees assessed, payments
and/or credits received, and the minimum payment due and the total outstanding balance due on the Account, all of which are
collectively referred to as the 'Account Information
5. Citibank and CCSI maintain records and the Account Information in the ordinary course of business, which is made at or near the
time of each event recorded by someone with personal knowledge of the events, or from information transmitted by someone with
personal knowledge of each event, and a business duty to record such information.
6. The Account Information reflects that charges were made on the Account to purchase goods and services and/or obtain cash
advances. Defendant was provided periodic billing statements for the Account when there was Account activity, which described
the charges on the Account, along with interest, fees, payments, credits and the amount due on the Account. Attached hereto and
incorporated herein as Exhibit A are true and correct copies of the Account statement transaction detail for the period from
5/19/2011 to 6/17/2011 that was sent to the defendant (the "Account Statement").
7. The Account Information shows that the Account Statement was sent to the defendant either by regular mail or by electronic mail.
The attached Account Statement does not reflect any outstanding disputes on the Account.
8. As reflected in the Account Information, defendant did eventually fail to make required payments on the Account.
9. As a result of defendant's failure to make proper payments on the Account, defendant is presently in default on the Account.
10. As reflected on the attached Account Statement, the balance on the Account is $2,003.89. After the attached Account Statement
was sent to the defendant, an additional payment or crediUdebit was received on the Account in the amount of $0.00. As of the
date of this affidavit, the Account balance of $2,003.89 is due and owing.
11. The debt reflected herein is delinquent, past due and remains due and owing. Citibank is the owner of the Account and the party
and entity to whom the delinquent debt is owed.
By:
Name:' CE A
STATE OF MISSOURI }
) ss.
COUNTY OF PLATT")
On this day of ' 20/Xefore the undersigned Notary Public in and for the state of Missouri, personally
Chcryl Preston
appeared known to me to be the person who executed the Affidavit on behalf
of the above-named Plaintiff, and acknowledged to me that he/she executed the same for the purposes therein stated.
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6957 0023978 0200389 0006000 1300
Now Balance:
$$003.89 6957
Minimum Payment Due Amount Enclose*
$239.78
Payment Our Date:
07/t5/2011 PeYment must be recetred by 500 PM
leeet time m tM tMymtml due We,
000000 MC 32 A 0
DEBORAH M SNYDER
5 PAMELA PL
MECHANICSBURG PA 17050-1773 CITI CARDS
P.O. Box 182564
COLUMBUS, OH 43218-2564
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Blatt, Hasenmiller, Leibsker & Moore, LLC
Daniel Santucci Attorney I.D. # 92800
Gregory R. Dye Attorney I.D #205316
1835 Market Street, Suite 501
Philadelphia, PA 19103
215-564-1567
IN THE COURT OF COMMON PLEAS
CITIBANK, N.A.
c/o Blatt, Hasenmiller, Leibsker & Moore, LLC
1835 Market Street, Suite 501
Philadelphia, PA 19103
Plaintiff,
VS.
DEBORAH M SNYDER
5 PAMELA PL
MECHANICSBURG PA 17050-1773
Defendant(s).
CUMBERLAND COUNTY, PA
CIVIL ACTION
No. q-7U &'I
Attorney for Plaintiff' I IL ?0-0t ?CE_
CITIBANK, N.A. ) I t PROTHONOTAR'i
2012 JAS' 30 AM It: 21
CUMBERLAND COUNTY
PENNSYLVANIA
PRAECIPE TO ENTER APPEARANCE
TO THE PROTHONOTARY:
Kindly ENTER my appearance in the above-captioned matter on behalf of PLAINTIFF
CITIBANK, N.A..
Papers may be served at the address set forth below:
Blatt, Hasenmiller, Leibsker & Moore, LLC
1835 Market Street, Suite 501
Philadelphia, PA 19103
Telephone Number: 1-215-564-1567
Dated: January 16, 2012
BLATT, HASEN
& MOORE, LLC
, LEIB$KER
By: _//_
Daniel
Gregory R. Dye
2662635
PPTXPEAI
111111111 IN 1111111111111111111111111111111111111111111111111111
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
OFFICE'. FTrG `rGF?KF
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
L) 12 FEB -6 AM 9: 12
COUITll
CUMBERLAND Aff
PENNSYLVANIA
Citibank, NA Case Number
vs.
Deborah M. Snyder 2012-476
SHERIFF'S RETURN OF SERVICE
02101/2012 10:14 AM - Stephen Bender, Deputy Sheriff, who being duly sworn according to law, states that on
February 1, 2012 at 1014 hours, he served a true copy of the within Complaint and Notice, upon the within
named defendant, to wit: Deborah M. Snyder, by making known unto Derek Snyder, Son of Defendant at 5
Pamela Place, Mechanicsburg, Cumberland County, Pennsylvania 17050 its contents and at the same
time handing to him personally the said true and correct copy of the same.
S PHE BENDER, DEPUTY
SHERIFF COST: $38.00
February 02, 2012
SO ANSWERS,,
RON R ANDERSON, SHERIFF
lei CountySuite Shenff. TeieosoR Inc.
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CITIBANK, N.A.
Plaintiff CIVIL ACTION - LAW
V. NO. 12-476 Civil
DEBORAH M. SNYDER
Defendant
Petition to Enter Appearance
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Please enter my appearance as the attorney representing the Defendant, Deborah M.
Snyder, in the above captioned case.
y submitted,
J mes Vincent Natale, Esquires
#208790
Harold Shepley & Assoc., LLC
209 West Patriot St.
Somerset, PA 15501
(814) 444-0500
Attorney for Defendant.
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IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CITIBANK, N.A.
Plaintiff CIVIL ACTION - LAW
V.
DEBORAH M. SNYDER
Defendant
NO. 12-476 Civil
DEFENDANT'S PRELIMINARY OBJECTIONS
PURSUANT TO PA.R.C.P. 1028
AND NOW COMES the Defendant, Deborah M. Snyder, by and through her attorney,
James Vincent Natale, Esquire, and makes this Defendant's Preliminary Objections pursuant to
Pa.R.C.P. 1028 as follows:
COUNTI
1. Plaintiff alleges that Defendant's failure to file an objection to the alleged billing
statement attached to Plaintiff's complaint constitutes an account stated in the present case.
2. Defendant did not mutually assent to the amount alleged in the billing statement,
because Defendant could not reasonably calculate the amount of the alleged debt with the
information available to the Defendant.
3. Without a showing a mutual assent, Plaintiff cannot proceed on an account stated
cause of action.
4. Plaintiff has failed to state a cause of action under which relief may be granted,
Pa.R.C.P. 1028(a)(4).
WHEREFORE, Defendant demands that the Court order Plaintiff to file an Amended
Complaint or dismiss this action with prejudice.
COUNT II
1. Plaintiff claims that Defendant used the alleged credit card.
2. Plaintiff failed to specifically state the dates of the alleged purchases
3. Plaintiff failed to specifically state the place where the alleged purchases were made.
4. Plaintiff failed to specifically state what items were allegedly purchased.
5. Plaintiff failed to specifically state the amount purchased for each item.
6. Plaintiff failed to specifically state the dates of any alleged cash advances.
7. Plaintiff failed to specifically state the amounts of each alleged cash advance.
8. Plaintiff failed to specifically state the dates that Plaintiff alleges that Defendant made
payment on the alleged account.
9. Plaintiff failed to specifically state the amounts of the payments that Plaintiff alleges
were made by Defendant.
10. Plaintiff has failed to provide sufficient documentation and allegations to permit the
Defendant to calculate the total amount of damages that are allegedly due, and there for
Plaintiff's complaint fails to conform with the requirements of Pa.R.C.P. 1019(a) and Pa.R.C.P.
1019 (f).
11. Plaintiff complaint contains insufficient specificity of its pleadings, PA.R.C.P.
1028(a)(3).
WHEREFORE, Defendant demands that the Court order Plaintiff to file an Amended
Complaint or dismiss this action with prejudice.
COUNT III
1. Plaintiff basis its claim on an alleged agreement.
2. Plaintiff failed to specify whether the agreement is oral or written as required by
Pa.R.C.P. 1019(h).
3. Plaintiff complaint contains insufficient specificity of its pleadings, PA.R.C.P.
1028(a)(3).
WHEREFORE, Defendant demands that the Court order Plaintiff to file an Amended
Complaint or dismiss this action with prejudice.
COUNT IV
1. If the contents of the pleading is based upon a writing, then Plaintiff has failed to
attach a copy of the original agreement and all amendments to said agreement, or provide a
reason why the original agreement and all amendments to said agreement are not accessible and
set forth the substance of the writings.
2. Plaintiff's complaint fails to conform with the requirements of Pa.R.C.P. 1019(i).
3. Plaintiff complaint contains insufficient specificity of its pleadings, PA.R.C.P.
1028(a)(3).
WHEREFORE, Defendant demands that the Court order Plaintiff to file an Amended
Complaint or dismiss this action with prejudice.
COUNT V
1. The verification of Plaintiff's complaint was signed by Ashley Cooley.
2. Ashley Cooley is an employee of Citicorp Credit Services, Inc. (USA).
3. Citicorp Credit Services, Inc. (USA) is not a party to the above captioned complaint.
4. Pa.R.C.P. 1024 requires that all pleadings setting forth new allegations be verified
by the pleading party.
5. The exception to Pa.R.C.P. 1024 does not apply to the Plaintiff, because although the
Plaintiff is outside the jurisdiction, there was no time limit for the filing of the complaint.
6. Plaintiff's complaint fails to conform to law or rule of court, Pa.R.C.P. 1028(a)(2).
WHEREFORE, Defendant demands that the Court order Plaintiff to file an Amended
Complaint or dismiss this action with prejudice.
COUNT VI
1. The Pennsylvania Rules of Civil Procedure require that the first sheet of the pleading
shall contain a 3-inch space from the top of the paper. Pa.R.C.P. 204.1(3).
2. The Rules define the first page of the complaint as being the Notice to Defend.
Pa.R.C.P. 1018.1(a)(1).
3. Plaintiff has failed to provide the required 3-inch margin on its Notice Defend.
7. Plaintiff's complaint fails to conform to law or rule of court, Pa.R.C.P. 1028(a)(2).
WHEREFORE, Defendant demands that the Court order Plaintiff to file an Amended
Complaint or dismiss this action with prejudice.
Respectfully submitted,
fames Vfficent Natale,
ID #208790
Harold Shepley & Assoc., LLC
209 West Patriot St.
Somerset, PA 15501
(814) 444-0500
Attorney for Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CITIBANK, N.A.
Plaintiff CIVIL ACTION - LAW
V. NO. 12-476 Civil
DEBORAH M. SNYDER
Defendant
CERTIFICATE OF SERVICE
I served this Petition to Enter Appearance, Defendant's Preliminary Objections,
and Brief by U.S. Mail, postage prepaid, at 1835 Market Street, Suite 501, Philadelphia,
PA 19103 on Daniel Santucci, Esq., the attorney for the Plaintiff, Citibank, N.A. on
February 16, 2012.
I declare under penalty of perjury that this information is true.
Date:L 1(?-1?. \ 4 L ?&
Server's Signature
Printed Name and Titles
Harold Shepley & Assoc., LLC
209 West Patriot St.
Somerset, PA 15501
Server's Address
Blatt, Hasenmiller, Leibsker & Moore, LLC Attor, y for Plaintiff,
Morris A. Scott ID#83587 ?' CITIBANK, N.A.
1 '} J L
1835 Market Street, Suite 501
Philadelphia, PA 19103 rh
800-850-1079
CITIBANK, N.A.
c//o Blatt, Hasenmiller, Leibsker & Moore, LLC IN THE COURT OF COMMON PLEAS
Plaintiff CUMBERLAND COUNTY, PA
,
vs. I CIVIL ACTION
DEBOR.AII M. SNYDER NO. 12_476 Civil
Defendant(s).
Amended Complaint
Plaintiff, Citibank, N.A., through its attorneys, Blatt Hasenmiller, Leibsker and Moore, LLC,
does state as follows:
1. The Plaintiff herein is Plaintiff, Citibank, N.A., which has retained the services of Blatt,
Hasenmiller, Leibsker and Moore, LLC, located at 1835 Market Street, Suite 501,
Philadelphia, PA 19103.
2. The Defendant is DEBORAH SNYDER, whose last known principal address is 5 Pamela
Pl, Mechanicsburg, PA 17050.
3. The defendant requested and was given a credit card by Plaintiff on or about May 2,
2008, for the account now ending in 2780.
4. The card agreement issued is a writing; however, Plaintiff is presently unable to
produce a copy of the said agreement, but will produce the said document during the
time of discovery. (Attached and incorporated herein as Exhibit A is a copy of
Plaintiff's Affidavit substantiating the said debt).
5. Defendant agreed to accept the card and its terms, as set forth more fully herein below,
by Defendant's continued use of the card.
6. The Defendant continued to use the credit and make payments as evidenced by the
attached available statements, Exhibit B, which plaintiff intends to use at Arbitration in
accordance with Pa.R.C.P. 1305.
7. Defendant last made payment on March 15, 2011 and is now in default, the account
having charged off on August 17, 2011.
8. The Defendant's balance is now at $ 2,003.89, and has failed to make payments upon that
account as defendant agreed to do.
WHEREFORE, Plaintiff requests Judgment in the amount of $ 2,003.89, plus court costs
OF $141.75, and interest from the date of Judgment, for a total judgment of $2,145.64.
Respectfully Submitted,
, Attorney No. 83587
2662635
EXHIBIT A
Exhibit "A"
PPTXEXAI
;66?- 63s
CITIBANK, N.A.
Plaintiff, )
vs. ) Case No.
DEBORAH M SNYDER )
Defendant ) AFFIDAVIT
STATE OF MISSOURI )
) ss.
COUNTY OF PLATTE - )
Before me, the undersigned authority, personally appeared the person identified below, who being by me duly swom,
deposed as follows: I
1. My name is Cheryl PreSton I am of sound mind, lawful age and capable of making this Affidavit.
The statements set forth in this affidavit are true and coned based on personal knowledge and review of the business records
described herein. I am authorized to make this affidavit on behalf of Citibank, N.A. (referred to herein as "Citibank"). This includes
accounts previously owned by Citibank (South Dakota), NA., which merged into Citibank in or about July 2011.
2. 1 am employed by Citicorp Credit Services, Inc. (USA) (referred to herein as'CCSI"). CCSI is a subsidiary of Citibank and services
accounts owned by Citibank, including maintaining and recording information in Citibank's records. Citibank is a National Bank
with its home office in Sioux Falls, South Dakota.
3. My employment duties include being a custodian of records for CCSI and Citibank with respect to accounts owned by Citibank. As
a custodian ofa ecords, I have knowledge of, and access to, account Information and records concerning the defendant's Citibank
account number currently ending in 6957, which is the subject of this lawsuit (the "Account").
4. C?: bank's records regarding the Account contain the name and billing address of the defendant, the Account number (and
predecessor account numbers, if any), the Accounts history, including chances made, interest and/or fees assessed, payments
and/or credits received, and the minimum payment due and the total outstanding balance due on the Account, all of which are
collectively referred to as the "Account Information.'
5. Citibank and CCSI maintain records and the Account Information In the ordinary course of business, which is made at or near the
time of each event recorded by someone with personal knowledge of the events, or from information transmitted by someone with
personal knowledge of each event, and a business duty to record such Information.
6. The Account Information reflects that charges were made on the Account to purchase goods and services and/or obtain cash
advances. Defendant was provided periodic billing statements for the Account when there was Account activity, which described
the charges on the Account, along with Interest, fees, payments, credits and the amount due on the Account. Attached hereto and
incorporated herein as Exhibit A are true and correct copies of the Account statement transaction detail for the period from
5119/2011 to 6/1712011 that was sent to the defendant (the "Account Statement").
7. The Account Information shows that the Account Statement was sent to the defendant either by regular mail or by electronic mail.
The attached Account Statement does not reflect any outstanding disputes on the Account.
8. As reflected in the Account Information, defendant did eventually fail to make required payments on the Account.
9. Asa result of defendant's failure to make proper payments on the Account, defendant is presently in default on the Account.
10. As reflected on the attached Account Statement, the balance on the Account is $2,003.89. After the attached Account Statement
was sent to the defendant, an additional payment or credWdebit was received on the Account in the amount of $0.00. As of the
date of this affidavit, the Account balance of $2,003.89 Is due and owing.
11. The debt reflected herein is delinquent, past due and remains due and owing. Citibank is the owner of the Account and the party
and entity to whom the delinquent debt is owed.
By: 1o
Name: ery res o
STATE OF MISSOURI )
ss.
COUNTY OF PLATT )
On this ;z day of 20&efore the undersigned Notary Public in and for the state of Missouri, personally
appeared Cheryl Preston , known to me to be the
person who executed the Affidavit on behalf
of the above-named Plaintiff, and acknowledged to me that he/she executed the same for the purposes therein stated.
Notary u slic
My commission expires:
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Blatt, Hasenmiller, Leibsker & Moore, LLC
Morris A. Scott, ID#83587
1835 Market Street, Suite 501
Philadelphia, PA 19103
800-850-1079
Attorney for Plaintiff,
CITIBANK, N.A.
CITIBANK, N.A.
c//o Blatt. Hasenmiller, Leibsker & Moore, LLC
Plaintiff,
V S.
DEBORAH M. SNYDER
Defendant(s).
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
CIVIL ACTION
NO. 12-476 Civil
f
CERTIFICATE OF SERVICE
7 1,
I Morris A. Scott, Esquire, counsel for the plaintiff, do hereby certify that I sent a true
and correct copy of the Second Amended Complaint, to the Defendant's attorney at his address
on May 23, 2012.
James V. Natale, Esquire
209 West Patriot Street
Somerset, PA 15501
orris A. Scott, 4EsqK
f
x ? J { (1 P s '? _
1OrRIAND CtJt'„ ''
PENNSYLVAy?
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CITIBANK, N.A.
Plaintiff CIVIL ACTION - LAW
V.
NO. 12-476 Civil
DEBORAH M. SNYDER
Defendant
DEFENDANT'S PRELIMINARY OBJECTIONS
TO PLAINTIFF'S AMENDED COMPLAINT
PURSUANT TO PA.R.C.P. 1028
AND NOW COMES the Defendant, Deborah M. Snyder, by and through her attorney,
James Vincent Natale, Esquire, and makes this Defendant's Preliminary Objections to Plaintiff's
Amended Complaint pursuant to Pa.R.C.P. 1028 as follows:
COUNTI
1. Plaintiff claims that the card agreement issued to the Defendant "is a writing."
2. Plaintiff has failed to attach a copy of copy of the original terms and conditions that
applied to the alleged account and all of their subsequent amendments, or provide a reason why
the terms and conditions are not accessible and set forth the substance of the writings.
3. Plaintiff's complaint fails to conform with the requirements of Pa.R.C.P. 1019(1).
4. Plaintiff complaint contains insufficient specificity of its pleadings, PA.R.C.P.
1028(a)(3).
WHEREFORE, Defendant demands that the Court order Plaintiff to file a Second
Amended Complaint or dismiss this action with prejudice.
COUNT II
1. Pa.R.C.P. 1024 requires that all pleadings setting forth new allegations be verified
by the pleading party.
2. Plaintiff has failed to attach to its Amended Complaint a Verification that
conforms to Rule 1024.
3. Plaintiff's complaint fails to conform to law or rule of court, Pa.R.C.P. 1028(a)(2).
WHEREFORE, Defendant demands that the Court order Plaintiff to file a Second
Amended Complaint or dismiss this action with prejudice.
y submitted,
lames Vincefit Natale, Esgfiire
ID #208790
Harold Shepley & Assoc., LLC
209 West Patriot St.
Somerset, PA 15501
(814) 444-0500
Attorney for Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CITIBANK, N.A.
Plaintiff CIVIL ACTION - LAW
V. NO. 12-476 Civil
DEBORAH M. SNYDER :
Defendant :
CERTIFICATE OF SERVICE
I served this Defendant's Preliminary Objections to Plaintiff's Second Amended
Complaint and Brief in Support of by U.S. Mail, postage prepaid, at 1835 Market Street,
Suite 501, Philadelphia, PA 19103 on Morris Scott, Esq., the attorney for the Plaintiff,
Citibank, N.A. on June 7, 2012.
I declare under penalty of perjury that this information is true.
Date: C - l - k? 1. \
Server's Signature
Printed Name and Title
Harold Shepley & Assoc., LLC
209 West Patriot St.
Somerset, PA 15501
Server's Address
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CITIBANK, N.A.,,.
Plaintiff
v.
DEBORAH M. SNYDER
Defendant
CIVIL ACTION - LAW
NO. 12-476 Civil
1
C")
PRAECIPE FOR LISTING CASE FOR ARGUMENT
TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for
the next Argument Court.
1. Matter to be Argued: Defendant's Preliminary Objections
2. Counsel who will argue the cases:
Syretta Martin, Esquire
Attorney for Plaintiff
1835 Market Street, Suite 501
Philadelphia, PA 19103
(215) 564-1567
Dated: 8-5-14
Robert Klingensmith
Attorney for Defendant
209 West Patriot Street
Somerset, PA 15501
(814) 444-0500
3. I will notify all parties in writing within two days that this case has been listed
for argument.
4. Argument Court Date: September 26, 2014
BY:
Robert Klingensmith, Esquire
Attorney for Defendant
INSTRUCTIONS:
1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not
the Prothonotary) before argument.
2. The moving party shall file and serve their brief 12 days prior to argument.
3. The responding party shall file their brief 5 days prior to argument.
4. If Argument is continued new briefs must be filed with the COURT ADMINISTATOR (not
the Prothonotary) after the case is relisted.
��. g IR.)SPd
CL# 1575 a#
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CITIBANK, N.A.
Plaintiff CIVIL ACTION - LAW
v. NO. 12-476 Civil
DEBORAH M. SNYDER
Defendant
CERTIFICATE OF SERVICE
I served this Praecipe for Argument by U.S. Mail, postage prepaid, at 1835 Market
Street, Suite 501, Philadelphia, PA 19103 on Syretta Martin, Esq., the attorney for the
Plaintiff, Citibank, N.A. on August 5, 2014.
I declare under penalty of perjury that this information is true.
Date: August5, 2014
Server's Signature
Gretchen Giles- Legal Assistant
Printed Name and Title
Harold Shepley & Assoc., LLC
209 West Patriot St.
Somerset, PA 15501
Server's Address
Syretta Martin, Esq. PA Bar #309370
Frank Janello, Esq. PA Bar #315643
Beth Arnold Howell, Esq. PA Bar #203606
Kami S. Miller, Esq. PA Bar #78590
Christopher Alan Titus, Esq. PA Bar #315746
Blatt, Hasenmiller, Leibsker & Moore, LLC
1835 Market Street, Suite 501
Philadelphia, PA 19103
TELE: 215-564-1567
FAX: 215-564-3818
[.. {r F!CE ./
i'RO I HOWJ
CUMBERLAND COUNTY
PLNNSYLVAf
CITIBANK, N.A.
c/o Blatt, Hasenmiller, Leibsker & Moore, LLC
1835 Market Street, Suite 501
Philadelphia, PA 19103
Plaintiff,
vs.
DEBORAH M SNYDER
5 PAMELA PL
MECHANICSBURG PA 17050-1773
Defendant.
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
CIVIL ACTION
No. 12 -476 -CIVIL
PRAECIPE TO ENTER APPEARANCE
TO THE PROTHONOTARY:
Kindly ENTER my appearance in the above -captioned matter on behalf of PLAINTIFF
CITIBANK, N.A..
Papers may be served at the address set forth below:
Dated:
Blatt, Hasenmiller, Leibsker & Moore, LLC
1835 Market Street, Suite 501
Philadelphia, PA 19103
Telephone Number: 1-215-564-1567
PPTXPEAI (07/18/2014) 2662635
111111111111111111111111111111111111111111111111111111111111111111111111111
By:
Syretta Martin, Esq. PA Bar #309370
Frank Janello, Esq. PA Bar #315643
Beth Arnold Howell, Esq. PA Bar #203606
Kami S. Miller, Esq. PA Bar #78590
/Christopher Alan Titus, Esq. PA Bar #315746
Blatt, Hasenmiller, Leibsker & Moore, LLC
1835 Market Street, Suite 501
Philadelphia, PA 19103
TELE: 215-564-1567
FAX: 215-564-3818
Attorneys For Plaintiff
BLATT, HASENMILLER, LEIBSKER
& MOORE, LLC
Blatt, Hasenmiller, Leibsker & Moore, LLC
CHRISTOPHER A. TITUs ID #315746
1835 Market Street, Suite 501
Philadelphia, PA 19103
800-850-1079
1.�
+� .!J i t Ft�t,.
;L: P i s
Attorney for Plai fi ff o E_ 0 E i O TFC R Y
2 ,1 1:U 2 5 its 3: 0 I
CUMBERLAND COUNTY
PENNSYLVANIA
CITIBANK, N.A.
c/o Blatt, Hasenmiller, Leibsker & Moore, LLC
Vs.
DEBORAH M. SNYDER
Plaintiff,
Defendant(s).
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
CIVIL ACTION
NO. 12-476 CIVIL
Second Amended Complaint
Plaintiff, by and through its attorneys, Blatt Hasenmiller, Leibsker and Moore, LLC, does
aver as follows:
1. Plaintiff is Citibank, N.A., which has retained the services of Blatt, Hasenmiller, Leibsker
and Moore, LLC, located at 1835 Market Street, Suite 501, Philadelphia, PA 19103.
2. Defendant is Deborah M. Snyder, whose last known principal address is 5 Pamela Place,
Mechanicsburg, PA 17050.
COUNT I — Breach of Contract
3. Plaintiff incorporates the above paragraphs as though set forth fully herein.
4. On or about May 2, 2008, Defendant did request and obtain a credit card from Citibank,
N.A. and agreed to abide by the card agreement. (Attached and incorporated herein as
Exhibit A is a copy of the Card Agreement).
5. Defendant continued to use the card and make payments as evidenced by the attached
available statements (Attached and incorporated herein as Exhibit B is a copy of the
said statements).
6. Defendant failed to make payments as agreed, and thereby defaulted, causing the
account to charge-off on or about August 17, 2011. Defendant made the last payment
on or about March 15, 2011. There remains an outstanding balance of $2,003.89.
WHEREFORE, Plaintiff requests that this Honorable Court render judgment in
Plaintiff's favor in the amount of $2,003.89, plus court costs and interest from the date of
Judgment.
Count II — Account Stated
7. Plaintiff incorporates all prior paragraphs as if fully stated herein.
8. Defendant was offered and accepted a line of credit from the Plaintiff, and made use of
said credit for years.
9. Defendant made payments on the balance of the credit during that time, thereby assenting
to the agreement and to the charges.
10. Defendant stopped making payments causing the account to charge-off on or about
August 17, 2011.
11. Defendant's remaining balance is $2,003.89.
12. The defendant never disputed the terms/conditions, the amounts of charges, nor usage.
WHEREFORE, Plaintiff requests Judgment in the amount of $2,003.89, plus court costs
and interest from the date of Judgment.
Count III — Unjust Enrichment
13. Plaintiff incorporates all prior paragraphs as if fully stated herein
14. Defendant has unjustly benefited from the use of said extension of credit.
15. Defendant used the line of credit to make purchases.
16. Defendant used the account to the detriment of the Plaintiff.
17. Defendant is now in a better situation had she not had the said credit.
WHEREFORE, Plaintiff requests Judgment in the amount of $2,003.89, plus court costs
and interest from the date of Judgment.
Count IV — Quantum Meruit
18. Plaintiff incorporates all prior paragraphs as if fully stated herein.
19. Plaintiff conferred a benefit upon Defendant by extending credit in the amount of
$2,003.89, at Defendant's request.
20. At all times relevant to the above captioned matter, Defendant accepted, retained and
appreciated the said benefit.
21. Acceptance and retention of the benefit, conferred by Plaintiff creates an inequity if
Defendant retains the benefit without payment.
WHEREFORE, Plaintiff requests Judgment in the amount of $2,003.89, plus court costs
and interest from the date of Judgment.
Respectfully Submitted,
Christopher A. Titus ID#315746
Attorney for Plaintiff
VERIFICATION
I , Sherri Smith , am employed Citibank, N.A. (hereafter Citibank)
which is successor in interest to plaintiff Citibank (South Dakota), N.A. This includes accounts
previously owned by plaintiff Citibank (South Dakota), N.A. which merged into Citibank in or
about July 2011. I am authorized to make this verification on behalf of Citibank. The statements
of facts set forth in the Amended Complaint are true and correct upon my information and belief
and are made subject to the penalties of 18 Pa. C.S. Section 4904, relating to unswom
falsification to authorities.
AUG 1 8 2014
DATE:
Signature
Blatt, Hasenmiller, Leibsker & Moore, LLC
CHRISTOPHER A. TITUS ID #315746
1835 Market Street, Suite 501
Philadelphia, PA 19103
800-850-1079
Attorney for Plaintiff
CITIBANK, N.A.
c/o Blatt, Hasenmiller, Leibsker & Moore, LLC
VS.
DEBORAH M. SNYDER
Plaintiff,
Defendant(s).
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
CIVIL ACTION
NO. 12-476 CIVIL
CERTIFICATE OF SERVICE
I, Christopher A. Titus, as attorney filing the attached pleading, hereby certify that I
mailed an exact copy of the attached pleading to the party(ies) below at the address indicated by
U.S. Mail first class postage prepaid, unless otherwise stated below.
James Vincent Natale, Esquire
Harold Shepley & Assoc., LLC
209 West Patriot Street
Somerset, PA 15501
DATE: August 22, 2014
Christopher i i. itus, Esq.
EXHIBIT A
Your Billing Rights: Keep Ibis Doct)lmul or Future Use
This notice tens you about your rights and our responsibil-
ities under the Fair Credit Billing Act.
What To Du II You Find A Mistake On Your %element
11 you think there is an error on your statement, write to us at
the address for billing inquiries and correspondence shown
on the ir0nt cal your statement.
In your letter. give us the following information:
• A;count information: Your name and account number.
• Dollar a13sp 5 The dollar amount of the suspected error.
• Descriptive of prgtaioto: If you think there is 0n 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
state me nt.
• At least 3 business days before an automated payment Is
scheduled, it you want to stop payment on the amount
you thinks wrong.
You must notify es of any potential errors in writing. You
may call us, but if you do we are not required to Investigate
any potential errors and you may have to pay the amount to
question.
What Wilt Happen After We Receive Your Letter
When we receive your letter, we must do two Things:
1. Within 30 days of receiving your letter, we must tea you
Mal we received your letter. We will also tell you it we
have already corrected the error.
2. Within 90 days of receiving your letter, we must either
correct the error or explain 10 you why we believe the
big is correct.
While we investigate whether or not (here has been
an error:
• We cannot try to collect the amount in question, or
report you as delinquent on that amount.
• The charge in question may remain on your statement,
and we may continue to charge you interest on that
amount.
14
• 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.
Aller we finish our Investigation, one of two things
will happen:
• If we made a mistake: You will not have to pay the
amount in question or any Interest or other lees related
to that amount.
• 11 we do not believe there was a mistake: You will have
to pay the amount in question, along with applicable
interest and fees. We will send you a statement of the
amount you owe and the date payment is due. We may
then report you as delinquent 11 you do not pay the
amount we think you owe.
II you receive our explanation bel still believe your bill Is
wrong, you must write to us within =an telling us that
you still refuse to pay, If you 0o so, we cannot report you as
delinquent without also reporting Ilial you are questioning
your bill. We most tell you the name of anyone to whom we
reported you as delinquent, and we must let those organiza-
tions know when the matter has been settled between us.
If we do not follow all of the rules above, you do not have to
pay the first 550 of the amount you question even II your bill
e correct.
Your Rights It Wake Dissatis(igd With Your Credit
Card Ptughpses
if you aro dissatisfied with the goods or services that you
have purchased with your credit card, and you have tried in
good faith to correct the problem with the merchant, you may
have the right not to pay the remaining amount due on the
purchase.
To use this right, all of the following must be true:
1. The purchase must have been made In your home state
or within 100 miles of your current mailing address,
and the purchase price must have been more than $50.
(Note: Neither of these are necessary it your purchase
was based on an advertisement we mailed to you, or
if we own the company that sold you the goods or
services.)
2. You must have used your credit card for the purchase.
Purchases made with cash advances from an ATM or
with a check that accesses your credit card account do
not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied
with the purchase, contact us lel meting at the address for
billing inquiries and correspondence shown on the front of
your statement.
While we investigate, the same rules apply to the disputed
amount as discussed above, After we finish our investigation,
we will tell you our decision. At that point, if we think you
owe an amount and you do not pay, we may report you
as delinquent.
02010 CNbnnk (Soam 05000), N.A.
8503541W 700
16
CARD AGREEMENT
This Card Agreement is your contract with us. It governs
the use of your card and account. The enclosed Pricing
Information Table and Variable Terms Information (together,
the "Fact Sheet") are part of this Agreement. Please read this
Agreement, including the Fact Sheet, carefully. Keep them
for your records.
Definttlons
8000000 means the relationship established between you and
us by this Agreement.
APR means an annual percentage rate.
authorized eeserrnaans any person you allow to use your
a000Unt.
card means one or more cards or other access devices that
we give you to get credit under this Agreement, This includes
account numbers.
we, us, and our mean Citibank (South Dakota), N.A., the
issuer of your account.
you, your, and yours mean the person who applied to open
the account. It also means any other person responsible for
complying with this Agreement.
Your Account
You agree 10 use your account In accordance with this
Agreement. You must pay us for all amounts due on your
account. This Agreement is binding on you unless you close
your account within 30 days after receiving the card and you
have not used or authorized use of the card. Your account
must only be used for (awful transactions.
Authorized Users. You may request additional cards for
authorized users. You must pay us for all charges made by
authorized users. You must pay us even 11 you did not intend
to be responsible for those charges. You must notify us to
withdraw any permission you give to an authorized user to
use your account.
Credit Limit, The full amount of your credit limit is available
to use where the card is honored. Part of your credit limit
is called the cash advance limit. It is available for cash
advances. We may reduce or increase your credit limit or
cash advance limit at any time for any reason as permitted
by law. We lAll notify you of any change, but the change may
lake effect before you receive the notice. You should always
keep your total balance below the credit limit. However, 0 the
total balance goes over your credit Limit you still must pay us.
If your account has a credit balance, we may reduce the credit
balance by any new charges on your account. You may not
maintain a credit balance in excess 01 your credit limit.
Checks. We may provide you with balance transfer checks.
You may use them to transfer a balance to your account
or make other transactions. We may also provide you with
cash convenience checks. You may use them to gel a cash
advance. Use of a cash convenience check will be a cash
advance even if you use the check to make a payment to
another creditor. You may not use balance transfer checks
or cash convenience checks to pay an amount owed to us
under (his Agreement or to pay another account with us or
an affiliate. We do not certify these checks or return any
checks that have been paid.
61111og Statement. Your billing statement shows the
New Balance. This is the total amount you owe us on the
Statement Closing Date. To determine the New Balance, we
begin with the total balance at the start of the billing period.
We add any purchases, balance transfers or cash advances.
We subtract any credits or payments. We then add any
interest charges or fees and make other adjustments.
We deliver a billing statement to only one address. You must
notify Customer Service of a change in address. We may stop
sending you statements if we deem your account uncollecti-
ble or start collection proceedings; but we may continue to
add interest and fees as permitted by law.
APRs
Account APRs. For the APRs on your account, see the Fact
Sheet.
Penalty APR. If tl a Penalty APR is applied to your account
because you make a late payment that is not more than 60
days late or make a payment that is returned, i1 will apply
only l0 new transactions and may continue to apply indefi-
nitely. However, if the Penalty APR is applied to your account
because your payment is more than 60 days late, the Penalty
APR will apply to both exlsing and new transactions. It will
no longer apply to existing transactions if you make the next
six consecutive minimum payments when due. If you do not
make these six consecutive minimum payments, the Penalty
z
APR may continue to apply 10 both new and existing balances
indefinitely.
Interest Charges Based on APRs
Interest Charges. We Impose interest charges when we apply
APRs to your account balances. We do this for each of your
different balances. These balances include, for example,
standard purchases, standard cash advances, and different
promotional balances. (When we calculate interest charges,
we treat balance Iranslers as standard purchases unless a
promotional rate applies.)
When Interest Charges Begin. We begin to impose interest
charges the Orsi day we add a charge to a dally balance. The
charges we add to a daily balance Include purchases, balance
transfers, and 105h advances. They also Include interest
charges and fees. We continue to Impose interest charges
until we credit your account with full payment of the total
amount you owe us.
Grace Period on Purchases. You can avoid interest charges
on purchases, but not on balance transfers and cash
advances. This is called a grace period on purchases. The
grace period is at leas) 23 days. To gel a grace period on
purchases, you must pay the New Balance in lull by the due
date every billing period. 11 you do not, you will not gel a
grace period until you pay the New Balance in full for two
billing periods in a row. Certain balance transfer offers may
take away the grace period on purchases. I1 that is the case,
the balance transfer offer will describe what happens.
Calculation of Dally Balances. When we calculate daily
balances, we add a purchase as o1 the Sale Date on the billing
statement. We add a balance transfer or cash advance as of
the Post Date on the billing statement. (The Post Date is the
date we get a request to complete a balance transfer or cash
advance transaction. When you send a balance transfer or
cash convenience check directly to someone, the Post Date
is the date we receive the check for payment.) We add a
transaction Inc to the same balance as the transaction. We
generally add other fees to the standard purchase balance.
Wo subtract a payment or credit as of the day itis credited
to the account and then make other adjustments. We treat a
credit balance as a balance of zero.
Balance Subject to Interest Rate. We use one al the methods
below to determine the Balance Subject to Interest Rate. The
Fact Sheet shows which method applies to your account.
s
• Dally Balance (including current transactions) Method.
Your statement shows a Balance Subject to Interest
Rate. 11 shows this for each different balance. The Bal-
ance Subject to Interest Rata is the average of the daily
balances during the billing period. A billing period begins
on the day after the Statement Closing Date of the pre-
vious billing period. It includes the Statement Closing
Date of the current billing period.
• Average Daily Balance (Including current transactions)
Method. Your statement shows a Balance Subject to
Interest Rate for each different balance. It is the average
daily balance. To get the average daily balance we add up
all the daily balances for the billing period and divide by
the total number of days In the billing period. For interest
charge calculation purposes. a billing period begins on
the Statement Closing Date of the previous billing period.
It does not include the Statement Closing Date of the
current billing period.
Fees
Annual Membership Fee. If an annual membership to
applies, the Fact Sheet shows it. We will rotund this fee 11 you
notify us that you are closing your account within 30 days of
the mailing or delivery date of the statement on which the fee
appears. The fee is ethervdse non-refundable.
Transaction Foe for Balance Transfers. The Fact Sheet
shows the amount of this fee. We add this tee for each
balance transfer. This fee Is in addition to any periodic fee
that may be Imposed with a promotional offer. You make a
balance transfer when you use a balance transfer check or
contact us to transfer a balance.
Transaction Fee for Cash Advances. The Fact Sheet shows
the amount of this fee. We add this fee for each cash
advance. You take a cash advance if you use a cash conven-
ience check; get money through an automated teller machine
(ATM); or gel money through home banking or a financial
institution. You also take a cash advance if you make a wire
transfer, buy a money aider, travelers check, lottery ticket,
casino chip, or similar item; or engage in a similar transaction.
Transaction Fee for Foreign Purchases. If your account has
a fee for foreign purchases, the Fact Sheet shoves the amount
of the fee.
Late Fee. The Fact Sheet shows the amount of this fee. We
add this fee for each billing period you do not pay the Mini-
mum Payment Due (less the Amount Over Credit Limit shown
on your billing statement) by the payment due dale.
Returned Payment Fee. The Fact Sheet shows the amount
of this fee. We add this lee if a payment check or similar
Instrument is returned because it cannot be processed. VJe
also add this fee II an electronic debit is returned unpaid.
We assess this tee the first lime your check or payment Is
returned, even if itis not returned upon resubmission.
Stop Payment on Cash Convenience Check Fee. The Fact
Sheet shows the amount of this fee. We add this lee if we
honor your request to stop payment on a cash convenience
check To stop payment on a cash convenience check write is
at P.O. Box 6500, Sioux Falls, South Dakota 57117. You can
also call the Customer Service number on the billing state-
ment. If you call, you must confirm the call In writing within
14 days. A wdncn stop payment order is good for 6 months
unless renewed in writing.
Information on Foreign Currency Conversion
Our network providers are MasterCard. Visa, and American
Express. They convert transactions in foreign currencies
Into U.S. dollars. The type of card you have determines who
does the conversion. Each network provider follows its ora
procedures. Each network providers current procedures are
described below. The procedures may change from time to
time vdthout notice.
• MasterCard uses a conversion rale in effect one day
before its transaction processing date. It uses a
government -mandated rale if required to do so. 11 not.
11 uses a wholesale market rate.
• Visa uses a conversion rate In effect on its applicable
central processing date. It uses a govemment-mandated
rate If required to do so. If not, it selects from the range
of rates available in wholesale currency markets. The
selected rate may vary from the rate Visa receives,
• American Express uses any conversion rate required
by applicable law. If there is none, it uses the highest
Interbank rate it selects on the business day before the
day it processes the transaction.
A third party may coven a transaction into U.S. dollars or
another currency before sending II to our network provider.
In these cases, the third party selects the conversion rate.
If you lake a cash advance Ina foreign currency ata branch
or ATM of one of our affiliates, an affiliate o1 ours will convert
II (nto U.S. dollars. This applies regardless of which network
provider's card you use to take the cash advance. Our affiliate
currently uses a conversion rate in effect on its processing
date. It uses a government -mandated rate it required to
do so. If not, it uses a mid -point market rate, Our affiliate's
procedure may change from time to time without notice.
The conversion rate you get is the one used on the transac-
tion's processing date. This may be different from the one in
effect on the transaction's Sale Date or Post Date.
Payments
Minimum Payment Due. You must pay at least the Minimum
Payment Due by the payment due date each billing period.
The sooner you pay the New Balance, the less you will pay in
interest charges. The Fact Sheet shows the minimum pay-
ment calculation method that applies 10 your account
Application of Payments. Payments in excess of the Minh
mum Payment Due are applied in accordance with law. This
means that vie will generally apply payments to excess of the
Minimum Payment Due to balances with higher APRs before
balances with lower APRs. We generally apply payments
equal to or less than the Minimum Payment Due and credits
to lower APR balances fist.
Payment Instructions. We credit your payments in accor-
dance with our payment Instructions on the billing statement.
You must pay us in U.S. dollars. To Om you must use a
check, similar instrument, or electronic debit that is drawn on
and honored by a bank in the U.S. Do not send cash. We can
accept late or partial payments, or payments that reflect "paid
in full" or other restrictive endorsements, without losing our
rights. We also reserve the right to accept payments made in
foreign currency and instruments drawn on funds on deposit
outside the U.S. H we do, we select the currency conversion
rote. We will then credit your account in U.S. dollars atter
deducting any costs incurred in processing your payment.
Or we may bill you separately for these costs.
Optional Pay by Phone Service. You may use our opironal
Pay by Phone Service to make your payment by phone. To do
so, call us to request the service. You agree to pay us the Pay
by Phone fee shown i0 the Pay by Phone section on the back
of the billing statement when a representative of ours helps
expedite your payment. Our representatives are trained to telt
you this amount when you use this service.
Credit Reporting
We may report information about your accoua1 to cre011
bureaus. Late payments, missed payments, or other defaults
on your account may be reflected In your credit repos. We
may report account Information In your name and the names
of authorized users. We may also obtain lollop -up credit
reports on you.
II you think we reported incorrect Int rmalion to a credit
bureau, write us at the Customer Service address on the
billing statement. We will Investigate the matter. We will then
tell you it we agree or disagree with you. If the agree with
you, we will contact each credit bureau to which we reported
and request a correction. 11 we disagree with you, we will tell
you that.
Information Sharing
You authorize us to share Information about you as permitted
by law. This includes information we get from you and others.
It also includes information about your transactions with us.
Please see our Privacy Notice for details about our informa-
lion sharing practices.
Changes to this Agreement
We may change the rates, lees, and terms of This Agree-
ment from lime to lime as permitted by law. The changes
may add, replace, or remove provisions of this Agreement.
We will give you advance written notice oI the changes and
a right to opt oul to the extent required by law.
Default
You default under this Agreement it you fail to pay the
Minimum Payment Due by its due dale; pay by a check or
similar instrument that is not honored or that we must return
because it cannot be processed; pay by electronic debit That
is returned unpaid; file for bankruptcy; or delault under any
other Card Agreement that you have with us. If you delault,
we may close your account and, to the extent permitted by
law, demand Immediate payment of the total balance. If you
gave us a security interest Ina Certificate of Deposit, we may
use the deposit amount t0 pay any amount you rave.
Refusal of the Card, Closed Accounts,
and Related Provisions
Relusal of the Card. We do not guarantee approval of
transactions. We aro not liable for transactions that are not
approved. That is true even if you have enough credit. We
may lint the number of transactions approved in one day.
1f we detect unusual or suspicious activity, we may suspend
your credit privileges.
Preauthorized Charges. We may suspend any automatic or
other proauthodzed card charges you arrange with a third
party. We may do this if you default; it the card is lost or
stolen; or we change your account for any reason, if we do
this, you are responsible for paying the third party directly tf
you wish to do so. You are also responsible for reinstating the
proauth0rfzed charges if you wish to do so and we permit it.
Lost or Stolen Cards, Account Numbers, or Cash
Convenience and Balance Transfer Checks. You must call
us if any card, account number, or check Is lost or stolen. You
must 0100 call us it you think someone used or may use them
without permission. When you can, we may require you to
provide information to help our investigation. We may require
you to provide this information in writing. For example, we
may ask you to identity any charges that were not made by
you of someone authorized by you. We may also ask you to
confirm that you received no benefit from those charges.
Closing Your Account. You may close your account by
notifying us In venting or over the phone. If you dose your
account, you must still repay the total balance in accordance
with this Agreement. We may also dose your account or
suspend account privileges at any time for any reason. We
may do this without prior notice to you. We may also reissue
a different card at any lime. You must return any card to us
upon request.
Secured Accounts. The Fact Sheet shows if your account
is a secured account. It It is, you gave us a security interest
in a Certificate 0t Deposit. This secures repayment of your
account. If you withdraw your funds from the Certificate of
Deposit, we will close your account.
The Fact Sheet shows whether your account is subject to
arbitration. It it is, the following "Arbitration" provision is a
part of this Agreement.
ARBITRATION
PLEASE READ THIS PROVISION OF THE AGREEMENT
CAREFULLY, IT PROVIDES THAT ANY DISPUTE MAY BE
RESOLVED BY BINDING ARBITRATION. ARBITRATION
REPLACES THE RIGHT TO GO TO COURT, INCLUDING
THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE
INA CLASS AC1109 0R 51MILAR PROCEEDING. IN AM.
TWIN, A DISPUTE IS RESOLVED BY AN ARBITRATOR
INSTEAD OF A JUDGE OR JURY. ARBITRATION PROCE-
DURES ARE SIMPLER AND MORE LIMITED THAN COURT
PROCEDURES.
Agreement In Arbitrate; Either you or we may, without the
other's consent, elect mandatory, binding arbitration for any
claim, dispute, or controversy between you and us (called
'Claims').
Claims Covered
What Claims are subject to arbitration? Ail Claims relating
to your account, a prior related account, or our relationship
are subject to arbitration, Including Claims regarding the
application, enforceability, or interpretation of this Agreement
and this arbitration provision. All Claims are subject to arbi-
tration, no matter what legal theory they aro based on or what
remedy (damages, or injunctive or declaratory relief) they
seek. This includes Claims based on contract, tort (Including
intentional tort), fraud, agency, your or our negligence,
statutory or regulatory provisions, or any other sources of
law; Claims made as counterclaims, cross-claims, third -
parry claims, Interpleaders or otherwise; and Claims made
independently or with other claims. A party who initiates
a proceeding in court may elect arbitration with respect to
any Claim advanced in that proceeding by any other party.
Claims and remedies sought as part of a class action, private
attorney general or other representative action are subject to
arbitration on an individual (non -class, non -representative)
basis, and the arbitrator may award relief only on an individ-
ual (iron -class, non -representative) basis.
Whose Claims are subject to arbitration? Not only ours and
yours, but also Claims made by or against anyone connected
with us or you or claiming through us or you, such as a
c0 -applicant or authorized user of your account, an employee,
agent, representative, affiliated company, predecessor or
successor, heir, 000000e0, or trustee in bankruptcy.
What time frame applies to Claims subject to arbitration?
Claims arising in the past, present, or future, including Claims
arising before the opening of your account, are subject to
arbitration.
Broadest interpretation. Any questions about whether Claims
are subject to arbitration shall be resolved by interpreting this
arbitration provision in the broadest way the law will allow it
to be enforced. This arbitration provision is governed by the
Federal Arbitration Act (the' FAA").
What about Claims filed In Small Claims Court? Claims filed
In a small claims court are not subject to arbitration, so long
as the matter remains in such court and advances only an
Individual (non -class, non -representative) Claim.
What about debt collections? We and anyone to whom we
assign your debt will not initiate an arbitration proceeding to
collect a debt from you unless you assert a Claim against us
or our assignee. We and any assignee may seek arbitration
on an individual basis of any Claim asserted by you, whether
In arbitration or any proceeding, Including In a proceeding to
collect a debt. You may seek arbitration on an individual basis
of any Claim asserted against you. Including Ina proceeding
to collect a debt.
How Arbitration Works
How does a party initiate arbitration? The party hung an
arbitration must choose one of the following two arbitration
firms and follow its rules and procedures for Initlatiog and
pursuing an arbitration: American Arbitration Association or
JAMS. Any arbitration hearing that you attend will be held
at a place chosen by the arbitration firm in the same city as
the U.S. District Court closest to your then current billing
address, or at some other place to which you and we agree In
writing. You may obtain copies of the current rules of each of
the arbitration firms and forms and instructions for Initiating
an arbitration by contacting them as follows:
American Arbitration Association
800.778.7879 (loll -free)
Website: www.adr.oro
JAMS
600-352-5267 (toll -tree)
VJebslte: vnnv.jamsadr.com
At any time you or we may ask an appropriate court to
compel arbitration of Claims, or to stay the litigation of Claims
pending arbitration, even if such Claims are part of a lawsuit,
unless a trial has begun or a.hnai judgment has been entered.
Even it a parry fails to exercise these tights at any particular
time, or in connection with any particular Claims, that parry
10
can still require arbitration ata later time or In connection
whit any other Claims.
What procedures and law are applicable In arbitration?
A single, neutral arbitrator will resolve Claims. The arbitrator
will be either a lawyer with al least ten years expanse or a
retired or former judge, selected in accordance with the rules
of the arbitration firm. The arbitration will follow procedures
and rules Of the arbitration firm In effect On the date the
arbitration is filed unless those procedures and rubs are
inconsistent with this Agreement, in which case this Agree-
ment will prevail. Those procedures and rules may limit the
discovery available to you Or us. The arbitrator will take
reasonable steps to protect customer account information
and other confidential information if requested la do so by
you or us. The arbitrator will apply applicable substantive law
consistent with the FAA and applicable statutes of limitations,
will honor claims of privilege recognized at law, and will have
the power to award to a party any damages or other relief
provided for under applicable law. You or we may choose to
have a hearing and be represented by counsel. The arbitrator
wrill make any award In writing and, it requested by you or us,
will provide a brief statement of the reasons for the award. An
award in arbitration shall determine the rights and obligations
between the named parties only. and only In respect df the
Claims in arbitration, and shall not have any bearing on the
rights and obligations of any other person, or on the
resolution of any other dispute.
Who pays? Whoever files the arbitration pays the Initial filing
fee. If to tile, we pay, If you file, you pay, unless you get a
Inc waiver under the applicable rules of the arhitraticn firm.
If you have paid the initial filing fee and you prevail, we will
reimburse you for that fee. If there is a hearing, vre will pay
any fees of the arbitrator and arbitration firm for the first day
of that hearing. All other ices will be allocated as provided by
the rules of the arbitration firm and applicable law. However,
we will advance or reimburse your fees if the arbitration firm
or arbitrator determines there is good reason for requiring
us to do so. or if you ask us and we determine there Is good
reason for doing so. Each party will bear the exoense of that
party's attorneys, experts, and witnesses, and other expenses,
regardless of which party prevails, but o party may recover
any or all expenses from another party it the arbitrator,
applying applicable law, so determines.
Who can be a party? Claims must be brought in the name
of an ind'widaal person or entity and must proceed on an
Individual (non -Gass, non -representative) basis. The att.
trator will not award relief for or against anyone who Is not a
party. II you or we require arbitration of a Claim, neither you,
we, nor any other person may pursue the Claim in arbitration
as a class action, private attorney general action or other
representative action, nor may such Claim be pursued on
your or our behalf in any litigation in any court. Claims,
including assigned Claims, of two or mom persons may not
be joined or consolidated in the same arbitration. However,
applicants, co -applicants, authorized users on a single
account and/or related accounts, or corporate affiliates are
here considered as one person.
When is an arbitration award final? The arbitrator's award
is final and binding an the parties unless a party appeals It In
writing to the arbitration fine within Fifteen days of notice of
the award. The appeal must request a new arbitration before
a panel of three neutral arbitrators designated by the same
arbitration firm. The panel will consider alt tactual and legal
issues anew, fallow the same rules that apply to a proceeding
using a single arbitrator, and make decisions based on the
vote of the majority. Costs will be allocated In the same way
They are allocated for arbitration before a single arbitrator.
An award by a panel is final and binding on the parties after
fifteen days has passed. A final art binding award Is subject
to judicial review and enforcement as provided by the FM or
other applicable law.
Survival and Severability of Terms
This arbitration provision shall survive: (I) termination or
changes in the Agreement. the account, or the relationship
between you and us concerning the account; (ii) the bank-
ruptcy of any party; and (iii) any transfer, sale or assignment
of your account, or any amounts owed on your account, to
any other person or entity. It any portion of this arbitration
provision Is deemed invalid or unenforceable, the entire
arbitration provision shall not remain In force, No portion of
this arbitration provision may be amended, severed or valved
absent a written agreement between you and us.
Governing Law and Enforcing our Rights
Governing Law. Federal law and the law of South Dakota,
where we are located, govern the teens and enforcement of
Inds Agreement.
12
Enforcing this Agreement. We will not lose our rights under
this Agreement because we delay In enforcing them or tail to
enforce them.
Collection Costs. To the extent permitted by law, you are
liable to us for our legal costs if we refer collection of your
account to a lawyer who Is Wow salaried employee. These
costs may include reasonable attorneys' foes. They may also
include casts and expenses of any legal action.
Assignment. We may assign any or all of our rights and
obligations under this Agreement to a third party.
For Further Information
Call us tolFlree for further information. Call the toll -tree
Customer Service telephone number shown on the billing
statement or on the back of your card. You can also call local
or toll-free Directory Assistance to get our telephone number.
Ken Stork
President & CEO
Citibank (South Dakota), NA.
P.O. Box 6000
Sioux Falls, SO 57117
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Account Activity
Apr 19 -May 20, 2008
Payment Due Date:
06/12/2008 Paymlocal time on the payment nt must be due date. PM
Minimum Amount Due:
$0.00
Total New Balance:
$0.00
Quick Reference
Total Credit Line $2 , 000
Available Credit Line $2 , 000
Cash Advance Limit $600
Available Cash Limit $600
Important Account Information
Welcome to Citi! Use your card for all your purchase
needs and enjoy the protection features built into
your card. To learn more about our products and
services, visit http://www.citicards.com.
1012
www.clticards.com
Account Member
DEBORAH M SNYDER
Account Number
M.111.15957
50ThankYouyi
Points transferred to your
ThankYou® Member Account:
0
How to Reach Us
1-800-633-7367
Customer Service
BOX 6500
SIOUX 'FALLS, SD
57117
c tie
: ww.thankyou.com
full details can be found in the ThankYou Points Summary section of this statement.
At a Glance
Previous Amount Over Past Finance Total New
Balance Credit Line Due Charges Balance
$0.00 Moo $0.00 S0.00 $0.00
Standard Purchases
Sale Post Description
05/20 MEMBERSHIPfEE MAY 06 -APR 09 .._..
Account Summary
Amount
0.00
Previous (+1 Purchases (-) Payments (+) FINANCE (=) New
Balance & Advances & Credits CHARGE Balance
Purchases 0.00 0 00 0 00 0.00 0.00
Advances 0 00 0.00 0 00 0.00 0.00
Total 0.00 0.00 0.00 0.00 0.00
Rate Summary
PURCHASES
Standard Purch_
Balance Subject to
Finance Charge
Periodic
Rate
Days This Billing Period: 32
Nominal ANNUAL
APR PERCENTAGE
RATE
0.00 0.05203%(D) 18.990%, 18.990%
ADVANCES
Standard Adv .... -...._0..00....-�0.07395910) 2-6.-990%_.__ "26 .9906
Citi Diamond Preferred'
Rewards Card
ThankYou Points Summary
ThankYou Points Earned This Period
Category
Bonus
Base
Merchant
Bonus
o o 0
Total ThankYou Points Earned This Period: 0
ThankYou Points Earned Year to Date
Total Total Total Total
Base Bonus Adjusted Earned
o o o 0
Go to www.thankyou.com to review your ThankYou Point balance and redeem!
Bonus Points may take one to two billing cycles to appear on your statement. Please refer to
the specific terms and conditions pertaining to the promotion for further details.
Account Number
'**» **** **** 6957
Card Member Payment
Bonus Rewards Bonus Adjusted
0 0 0
Forgot about the postage rate increase? Save time and money;
pay your credit card bill online! It's easy, secure and free. Pay by 5pm ET on a
weekday to post the same day! Sign on at citicards.com and select Make a Payment.
Protect your Account Number. Use Virtual Account
Numbers when shopping online and get extra peace of mind. Your real account
number is never revealed and you can track your purchases. Log on at
www.myvirtualaccountnumbers.com
2 of 2
How to Reach Us
1-800-633-7367
Customer Service
BOX 6500
SIOUX FALLS, SD 57117
Access your account onijne: www.cittcards_com
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Account Activity
May 21 -Jun 18, 2008
Payment Due Date:
07/14/2008 lora time on the paryment due 5:01).
PM
Minimum Amount Due:
$20.00
Total New Balance:
$266.75
Quick Reference
Total Credit Line
Available Credit Line
Cash Advance Limit
Available Cash Limit
$2,000
$1,733
$600
$600
Important Account Information
Welcome to ThankYou(sm) Redemptions Network!
Your Citi Diamond Preferred Rewards Card allows
you to earn ThankYou Points on eligible purchases.
So use your card for all of your everyday spending
needs and watch the points add up! Visit
www.thankyounetwork.com to view the rewards
collection.
1 of 2
www c)ticards.com
Account Member
DEBORAH M SNYDER
Account Number
4957
ThankYou
Points transferred to your
ThankYou® Member Account:
6,427
Full details can be found in the ThankYou Points Summary section of this statement.
At a Glance
Previous Amount Over Past Finance
Balance Credit Line Due Charges
s0.00 $0.00 $0.00 $0.00
How to Reach Us
1-800-633-7367
Customer Service
BOX 6500
SIOUX FALLS, SD
57117
car
Nww.thankyou.com
Standard Purchases
Total New
Balance
$266.75
Sale Post DescriptionAmount
06/f -__ 06/11 NTB 506- ,,.,.,,. MHAN
ECICSBIiRG PA :W... 196.64
06/13"`"" -0671J --GIANT F00D >f005 MEOHANICSBURGPA µ " 39.98
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06/16 -06/16-- DUNKIN43.06751 035'MECHANICS81,RGPA 9.73
Account Summary
Previous (+) Purchases
Balance & Advances
Purchases 0.00 266.75
Advances 0.00 0.00
Total 0.00 266.75
Rate Summary
(-) Payments (+) FINANCE (=) New
& Credits CHARGE Balance
0.00 0.00 266.75
0.00 0.00 0.00
0.00 0.00 266.75
Balance Subject to
Finance Charge
PURCHASES
StandardPurch -
0.00 0.05203%(D) 18.990% 18.990%
Periodic
Rate
Days This Billing Period: 29
ANNUAL
PERCENTAGE
RATE
Nominal
APR
CitisDiamond Preferred
Rewards Card
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Rate Summary (continued)
ADVANCES
Standard Adv
Balance Subject to
Finance Charge
Periodic
Rate
Account Number
6957
Days Thls Billing Period: 29
ANNUAL
PERCENTAGE
RATE
Nominal
APR
0.00" 0.07395%(9) 26.994%
ThankYou Bonus Paints
Bonus Points by Category
Purchase Activity Bonus
Total Bonus Points by Category Earned
Card Member Bonus Points
Bonus Points
Total Card Member Bonus Points Earned
ThankYou Points Summary
ThankYou Points Earned This Period
Category Merchant
Base Bonus Bonus
267
160 0
Card Member Payment
Bonus Rewards Bonus
6,000 0
9490% ,0%
26.
How to Reach Us
1-800-633-7367
Customer Service
BOX 6500
SIOUX FALLS, 5D 57117
c lir
Access your account online: www.citicards.com
Your Minimum Amount Due on any New Balance over S20 will no longer include
the total amount of your transaction fees. These fees include balance transfer,
cash advance, and foreign purchase fees. Remember, you can pay these fees and
any other amounts owed on your account) at any time.
If you have not received your new card, please call the Customer Service number
on this statement.
160 Our records show home phone 717-766-9877 and business phone 000.000-0000.
160 Please update coupon if incorrect.
6,000 Protect your Account Number. Use Virtual Account
6,000 Numbers when shoppingonline and get extra peace of mind. Your real account
number is never revealed and you can track your purchases. Log on at
http://virtualaccountnumbers.citicards.com
Adjusted
0
Total ThankYou Points Earned This Period: 6,427
ThankYou Points Earned Year to Date
Total Total Total Total
Base Bonus Adjusted Earned
267 6,160 0 6,427
Go to www.thankyou.com to review your ThankYou Point balance and redeem!
Bonus Points may take one to two billing cycles to appear on your statement. Please refer to
the specific terms and conditions pertaining to the promotion for further details.
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Account Activity
Jun 19 -Jul 22, 2008
Payment Due Date:
08/14/2008 Payment on theepaeymen duce date.
Minimum Amount Due:
$36.18
Total New Balance:
$1,765.69
Quick Reference
Total Credit Line
Available Credit Line
Cash Advance Limit
Available Cash Limit
$2,000
$234
$600
$234
Important Account Information
Protect your Account Number.
Use Virtual Account Numbers when shopping online
and get extra peace of mind. Your real account
number is never revealed and you can track your
purchases. Log on at
virtualaccountnumbers.citicards.com
1 of 2
www.clticard5.com
Account Member
DEBORAH M SNYDER
Account Number
9957
SgThankYougg
Points transferred to your
ThankYou® Member Account:
2,054
How to Reach Us
1-800-633-7367
Customer Service
BOX 6500
SIOUX FALLS, SD
57117
www.thankyou.com
Full details can be found in the ThankYou Points Summary section of this statement.
At a Glance
Previous Amount Over Past Finance
Balance Credit Line Due Charges
$266.75 S0.00 $o.00 $19.18
Payments, Credits and Adjustments
Total New
Balance
$1,765.69
Sale Post Description
_,..
07 14 CLICK -TO -PAY PAYMENT, THANK YOU
67/02'---67/02-- I<bHLOS ft0337 - 'MECHANICSBURG PA —
07/18µ W ' 07/i8 LOWES 802223* --� MECHANICSBURG PA
Standard Purchases
Amount
40.00
" =84.79
-47.58
Sale Post Description
06/18 06/19 THE OLIVE GARD00014712 MECHANICSBURG PA
06/21 06/21 GIANT FOOD 8112- CARLISLE PA
06/22 06/22 CHILI 5 GRI24600012468 MECHANICSBURG PA ._ -. '_-•
06/27 06/27 GIANT FOOD 8005 MECHANICSBURG PA
06/30 06/30 SILVER SPRINGS ANIMAL MECHANICSBURG PA
0613006/30 SILVER SPRINGS ANIMAL MECHANICSBURG PA ----
06/30 _ 06%30TARGET 00022020 MECHANICSBURG PA
06/30 —06/30 KOHL'S 80337 MECHANICSBURG PA
07/02 07/02 KOHL S�fi0337mmm'MECHANICSBURG PA
07/02 07/02 SILVER SPRINGS ANIMAL MECHANICSBURG PA_
07/02 07102 WAL-MART 7/1886 MECHANICSBUR PA
07/05 - 07/05 LOWES 7/02223* • MECHANICSBURG PA ..,..,.�,,._......
07/09 07/09 PETCO 1891 63518914 MECHANICSBURG PA
07/09 07/09 ANIMAL EMERGENCY MEDIC MECHANICSBURG PA
07/11 O7/11 7.1CPENNEY.5TO E 2712 "MOAMPHILL'--- PA-
Amount
17 94
64.03
13.1f
69.47
30.00
31.82
103.86
130.15
112.34
427.88
43.42
j5:06
37.60
149.00
43.83
Citi Diamond Preferred'
Rewards Card
Account Number
++ + ++++ ++++ 6957
Transactlons(continued)
57716 .._"07/16 _ LOWES#02223',µ'� M£CHANICSBUR6-PA'-'-'--' '
07/21 07/21 SILVER SPRINGS ANIMAL MECHANICSBURG PA
� 07% 2—.--- PURCHAStS'FINANCE CRARttirptRtOD(ClRATR
Account Summary
310.86
31.82
19.18
Previous (+) Purchases (-) Payments (+) FINANCE (=) New
Balance &Advances & Credits CHARGE Balance
Purchases 266 75 1 652 13 172.37 19.18 1,765.69
Advances 0.00 000 0 000.00 0.00
Total 266.75 7 19.18 1,765.69„
1.652.13 172.3___..
Rate Summary
PURCHASES
Standard Purch
ADVANCES
Balance Subject to
Finance Charge
Periodic
Rate
Days This Billing Period: 34
ANNUAL
PERCENTAGE
RATE
Nominal
APR
1,083 99 0 05203%(D) �18 990%” '18.990%'
0.00
ThankYou Bonus Points
Bonus Points by Category
Purchase Activity Bonus
Total Bonus Points by Category Earned
2 of 2
534
534
How to Reach Us
1-800-633-7367
Customer Service
BOX 6500
SIOUX FALLS, SD 57117
Access your account online: www.cit)cards.com
ThankYou Points Summary
ThankYou Points Earned This Period
Category Merchant
Bonus Bonus
Base
1,520 534 0
Total ThankYou Points Earned This Period: 2,054
ThankYou Points Earned Year to Date
Total Total Total Total
Base Bonus Adjusted Earned
1,787 6,694 0 8,481
Go to www.thankyou.com to review your ThankYou Point balance and redeem!
Bonus Points may take one to two billing cycles to appear on your statement. Please refer to
the specific terms and conditions pertaining to the promotion for further details.
Card Member Payment
Bonus Rewards Bonus
0 0
c
Adjusted
0
Traveling? Manage Your Account Online Easily - Wherever You Are! View your
current and past statements, recent activity and balances. Pay your'biil, contact
customer service and set up customized alerts. Sign on to Account Online now at
www.citicards.com - it's easy, secure and free!
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SN �RiE
Payment Due Date:
Account Activity
Jul 23 -Aug 20, 2008
09/15/2008 local S me on the payment duce date. nt must be recebied by 5:00 PM
Minimum Amount Due:
$155.11
Total New Balance:
$2,062.90
Quick Reference
Total Credit Line
Available Credit Line
Cash Advance Limit
Available Cash Limit
$2,000
$0
$600
$0
Important Account Information
Your late fee was based on your account balance as
of the payment due date (08/14/08), which was
$1,991.69.
1 of 2
www.clticards.com
Account Member
DEBORAH M SNYDER
Account Number
111111111111M5957
ii6ThankYourj
Points transferred to your
ThankYou® Member Account:
518
How to Reach Us
1-800-633-7367
Customer Service
BOX 6500
SIOUX FALLS, SD
57117
cffr
:vww.thankyou-cam
Full details can be found in the ThankYou Points Summary section of this statement.
At a Glance
Previous Amount Over Past Finance
Balance Credit Line Due Charges
$1,765.69 $62.90 $0.00 $33.21
Payments, Credits and Adjustments
Sale Post Description
08/15 CLICK -TO -04Y PAYMENT, THANK YOU
Standard Purchases
Total New
Balance
$2,062.90
Amount
40.00
Sale Post Description
08720 LATE FEE - JUL PAYMENT PAST DUE
07/2107/23 WEGMANS #45 002 MECHANICSBURG PA—..
67/22y __ 07/23 MBS DIRECT"TEXTBOOKS 5734452243 MO_..._
07/26 '07/25 -COWES if02223'..> MECHANICSBURG PA --
07/28- 07/28 VJOLFGANG CANDY YORK -.. PA
07/29 07/29 14ERSHEMID%0B OYNASC HERSHEY PA __
08/20 OVER CREDIT LIMIT FEE
08720 CHARGEePERIODIC RATE
Account Summary
Amount
39.00
73.01
-93.57
38.92
10 50
TO.00
3900
33.21
Previous (+) Purchases
Balance & Advances
Purchases 1,765.69 304.00
Advances 0.00 0.00
Total 1,765.69 304.00
(-) Payments (+1 FINANCE (r) New
& Credits CHARGE Balance
—
._,..__...40.00 33.21m2,062.90
0.00 0.00 0.00
40.00 33.21 2,062.90
Citi Diamond Preferred'
Rewards Card
Rate Summary
Balance Subject to
Finance Charge
PURCHASES
Standard Purch .__._
1 992 50 O.05751%(D)20 990% 20.990%
ADVANCES
—Standard Adv —070 -6 -6:66M116765 -45:040;-2-670-61C"
Periodic
Rate
Account Number
«««« «..« ..«« 6957
Days Thls Billing Perlod: 29
Nominal
APR
ANNUAL.
PERCENTAGE
RATE
ThankYou Bonus Points
Bonus Points by Category
Purchase Activity Bonus
Total Bonus Points by Category Earned
292
292
ThankYou Points Summary
ThankYou Points Earned Thls Period
Merchant Card Member Payment
entCBenuosBase BonusBonus Rewards Bonus
226 292 0 0 Adjusted 0 0
Total ThankYou Points Earned Thls Period: 518
ThankYou Points Earned Year to Date
Total Total Total Total
Base Bonus Adjusted Earned
2,013 6,986 0 8,999
Go to www.thankyou.com to review your ThankYou Point balance and redeem:
Bonus Points may take one to two billing cycles to appear on your statement. Please refer to
the specific terms and conditions pertaining to the promotion for further details.
2 of 2
How to Reach Us
1-800-633-7367
Customer Service CI
BOX 6500 4'
SIOUX FALLS, SD 57117
Access your account online: www.citkards.com
The Annual Percentage Rate on your account has been increased due to one of the
following reasons stated in your Card Agreement with us: you failed to make a
payment to us when due, you exceeded your credit line or you made a payment to
us that was not honored by your bank. We will lower APRs from the default APR on
all balances if you meet the terms of all Card Agreements you have with us for 12
billing periods in a row. We may lower these APRs sooner based on your record
with us.
for a
o own
can enroll in The BiWeekly Advantage(SM) Plan and potentially save thousands in
Advantage(SM)Plan our home sooner? Citi Card members
mortgage interest. Call 1.866-375-7770 to learn more from FNC Insurance Agency,
an affiliate of Citi Cards.
Protect your Account Number. Use
ul
Numbers when shopping online and get extra peace of mind. Yourtreal account
number is never revealed and you can track your purchases. Log on at
virtualaccountnumbers.citicards.com
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Citi" Diamond Preferred'
Rewards Card
Account Activity
Aug 21 -Sep 19, 2008
Payment Due Date:
10/14/2008 ace time on the payment due date.
ent must be received by 5:00 PM
Minimum Amount Due:
$364.89
Total New Balance:
$2,176.79
Quick Reference
Total Credit Line $2 , 000
Available Credit Line $0
Cash Advance Limit $600
Available Cash Limit $0
Important Account Information
Your account is past due. In order to continue
earning ThankYou Points with your card, please
send the Minimum Payment Due. If your payment
has already been sent, we appreciate it.
1 of 2
www.clticards.com
............
Account Member
DEBORAH M SNYDER
Account Number
957
65ThankYouVO
Points transferred to your
ThankYouo Member Account:
0
How to Reach Us
1-800-633-7367
Customer Service
BOX 6500
SIOUX FALLS, SD
57117
cffi3
www.thankyou.com
Full details can be found in the ThankYou Points Summary section of this statement.
At a Glance
Previous Amount Over Past Finance Total New
Balance Credit Line Due Charges Balance
$2,062.90 $176.79 $92.21 $35.89 $2,176.79
Standard Purchases
Sale Post Description Amount
09/19 LATE FEE - AUG PAYMENT DUE . 39.00
"""— ' —69/19 __ OVER cRE T CIMIT FE>="" '" . __._. _ _ .,_..._. _._ ,_._. 4.60
/_..........._...._._....,_.._,...,__._..-R__..-....._._,,......,,,..._...,�__,.._.9
09/19 PURCHASES*FINANCE CHARGE*PERIODIC RATE 35.89
Account Summary
Previous (+1 Purchases (-) Payments (+) FINANCE (=) New
Balance & Advances & Credits CHARGE Balance
Purchases 2,062.90 78.00_ 0.00 35.89 2,176.79
Advances ^' 0.00 0.00 0.00
0.00 0.00 0.00
Total 2,062.90 78.00 0.00 35.89 2,176.79
Rate Summary Days This Billing Period: 30
ANNUAL
PERCENTAGE
RATE
Balance Subject to
Finance Charge
Periodic Nominal
Rate APR
PURCHASES
StandardPurch -2„080.20 0.05751-96-(01-20.990% 20.990%
ADVANCES
___ ..,.._...._,,.. __.1%,_,....).., .......- 2
Standard Adv 0.00 0.05775'1%(D) 20.990% 20.990%
Citi Diamond Preferredt.
Rewards Card
lEalE�Es a e*
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Account Number
**** **** **** 5957
ThankYou Points Summary
ThankYou Points Earned This Period
Category Merchant Card Member Payment
Base Bonus Bonus Bonus Rewards Bonus Adjusted
0 0 0 0 0 0
Total ThankYou Points -Earned This Period: 0
ThankYou Points Earned Year to Date
Total Total Total Total
Base Bonus Adjusted Earned
2,013 6,986 0 8,999
Go to www.thankyou.com to review your ThankYou Point balance and redeem!
Bonus Points may take one to two billing cycles to appear on your statement. Please refer to
the specific terms and conditions pertaining to the promotion for further details.
Your account balance is over the credit line. In order to continue earning
ThankYou Points with your card, you must bring your account balance under the
credit line now. If you have not already done so, please pay the Minimum Payment
Due.
Your late fee was based on your account balance as of the payment due date
(09/15/08), which was $2,062.90.
The Annual Percentage Rate on your account may increase due to one of the
following reasons stated in your Card Agreement with us: if you fail to make a
payment to us when due, you exceed your credit line or you make a payment to us
that is not honored by your bank.
Protect your Account Number. Use Virtual Account
Numbers when shopping online and get extra peace of mind. Your real account
number is never revealed and you can track your purchases. Log on at
virtualaccountnumbers.citicards.com.
2 of 2
How to Reach Us
1-800-633-7367
Customer Service
80X 6500
SIOUX FALLS, SD 57117
Access your account online: www.citicards.com
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Account Activity
Sep 20 -Oct 21, 2008
Payment Due Date:
11/13/2008 loca time on the paymentuee date.
ent must be received by 5:00 PM
Minimum Amount Due:
$378.73
Total New Balance:
$2,192.71
Quick Reference
Total Credit Line
Available Credit Line
Cash Advance Limit
Available Cash Limit
$2,000
$0
$600
$0
www.clticards.com
Account Member
DEBORAH M SNYDER
Account Number
-957
64
ThankYou 1,
Total ThankYou Member Available
Point Balance As Of 10/01/08: 8,999
How to Reach Us
1-800-633-7367
Customer Service
BOX 6500
SIOUX FALLS, SD
57117
r tl�
www.thenkyou corn
Log on to www.thankyou.com/statement today to check your latest point balance, redeem
for great rewards, and earn more points.
At a Glance
Previous Amount Over Past Finance Total New
Balance Credit Line Due Charges Balance
$2,176.79 $192.71 $88.10 $37.92 $2,192.71
Payments, Credits and Adjustments
Sale Post Description Amount
09125 CLICK -TO -PAY PAYMENT, THANK YOU -100700
Standard Purchases
Sale Post Description Amount
Important Account Information ._ '' toMi LATE FEE SEP PAYMENT PAST DUE 39.00
- _ 1021 OVER CREDIT LIMIT FEE --- 39.00
Your account is past due. In order to continue 10/21 PURCHASES'FINANCE CHARGE'PERIODIC RATE- 37.92
earning ThankYou Points with your card, please
send the Minimum Payment Due. If your payment Account Summary
has already been sent, we appreciate it. Previous (+) Purchases (-) Payments (+) FINANCE -(=) New
Balance & Advances &Credits CHARGEBalance
Purchases 2.,..
,
176 7978.00 100.00 37.92 -2 192.71
Advances 0.00 0.00 0.00 0.00 0.00
Total 2,176.79 78.00 100.00 37.92 2,192.71
1 of 2
Citi Diamond Preferred
Rewards Card
Rate Summary
Balance Subject to
Finance Charge
PURCHASES
Standard Purch
ADVANCES
Standard Adv
ThankYou Points Summary
ThankYou Points Earned This Period
Category Merchant Card Member Payment
Base Bonus Bonus Bonus Rewards Bonus Adjusted
Periodic
Rate
Account Number
**** 6957
Days This Billing Period: 32
Nominal
ApRminal PERCENTAGE
RATE
,110-.84 0.05-61.4%(6) 20.490% 20.490%
0:00 ' 0.'45 1-4%<8? "2 440%— 26 4909('
Member ID: 8910232902300343
0 0 0
Total ThankYou Points Earned This Period: 0
ThankYou Points Earned Year to Date
Total Total Total
Base Bonus Adjusted
0 0 0
Total
Earned
2,013 6,986 0 8,999
Go to www.thankyou.com to review your ThankYou Point balance and redeem!
Bonus Points may take one to two billing cycles to appear on your statement. Please refer to
the specific terms and conditions pertaining to the promotion for further details.
Your account balance is over the credit line. In order to continue earning
ThankYou Points with your card, you must bring your account balance under the
credit line now. If you have not already done so, please pay the Minimum Payment
Due.
Your late fee was based on your account balance as of the payment due date
(10/14/08), which was $2,076,79.
2of2
How to Reach Us
1.800.633-7367
Customer Service
BOX 6500
SIOUX FALLS, SD 57117
cffi
Access your account online: www.citicards.com
The Annual Percentage Rate on your account may increase due to one of the
following reasons stated in your Card Agreement with us: if you fail to make a
payment to us when clue, you exceed your credit line or you make a payment to us
that is not honored by your bank.
Receive $10 OFF Your First 20Lb Gift Box of Florida Citrus! Navels,
Grapefruit or Mixed. Reg $36.95. Intro price: $26.95 + SSH. Ends 01/15. Call
1-866-743-6277 and ask for Dept. 07X. Or go to www.enjoycitrus.com and enter
Dept. 07X. An offer from Al's Family Farms (not a Citi(R) company).
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Citic Diamond Preferred"
Rewards Card
Account Activity
Oct 22 -Nov 19, 2008
Payment Due Date:
12/12/2008 local tome nt must
epayment due date. PM
Minimum Amount Due:
$330.96
Total New Balance:
$2,185.80
Quick Reference
Total Credit Line
Available Credit Line
Cash Advance Limit
Available Cash Limit
Important Account Information
1 of 1
$2,000
$0
$600
$0
www.cjticards.com
Account Member
DEBORAH M SNYDER
Account Number
957
How to Reach -Us
1-800-388-2200
Customer Service
BOX 6500
SIOUX FALLS, SD
57117
stir
At a Glance
Previous Amount Over Past Finance Total New
Balance Credit Line Due Charges Balance
$2,192.71 $185.80 $96.02 $28.14 $2;185.80
Payments, Credits and Adjustments
Sale Post Description Amount
_ . N Y .�._�.
11/07 PAYMENT THANK YOU ry-50.00
11/18 PARTIAL DEFERMENT TRANSACTION
Standard Purchases
SalePost Description Amount
11%7__ - 11/07 PAY SY PHONESERVICf fE 14.95
11/98 11/18 PARTIAL DEFERMENTTRANSACTION ._ . 40A0
,..._.,.._.. �- _11/19 .,' PURCHASES*FINANCE CHARGEfPERiddi RATE...,,...._- 28.14
Account Summary
Previous (+) Purchases (-) Payments (+) FINANCE (c) New
Balance & Advances & Credits CHARGE Balance
Purchases 2,192.71 54.95 90.00 28.14 2,185.80
Advances 0.00 0.00 0.00 0.00 0.00
Total 2,192 71 54.95 90.00 28.14 2,185.80
Rate Summary
Days Thls Billing Period: 29
ANNUAL
PERCENTAGE
RATE
PURCHASES .�.
Standard Purch�
ADVANCES
Standard Adv
Balance Subject to
Finance Charge
Periodic
Rate
Nominal
APR
7 8 ..- . _.............._
2,178.20 1.29167%0) 15.500% 15 506%-
0.00 1 .29167%(M)
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Citi Diamond Preferred'
Rewards Card
Account Activity
Nov 20 -Dec 18, 2008
Payment Due Date:
01/12/2009 loca time on the payment uce date.
nt must be received by 5:00 PM
Minimum Amount Due:
$260.34
Total New Balance:
$2,163.99
Quick Reference
Total Credit Line
Available Credit Line
Cash Advance Limit
Available Cash Limit
$2,000
Important Account Information
1 of 1
$0
$600
$0
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Account Member
DEBORAH M SNYDER
Account Number
-'957
How to Reach Us
1-800-388-2200
Customer Service
BOX 6500
SIOUX FALLS, SO
57117
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At a Glance
Previous Amount Over Past Finance Total New
Balance Credit Line Due Charges Balance
$2,185.80 5163.99 $47.16 $28.19 $2,163.99
Payments, Credits and Adjustments
Sale Post Description Amount
- - 12/16 PAYMENT THANK
12/17 PARTIAL DEFERMENT TRANSACTION -48.00
Standard Purchases
Sale Post Description Amount
12/17 12/17 PARTIAL DEFERMENT TRANSACTION -48.00
-- - - 12/18 PURCHASES*FINANCE CHARGEsPERIODi RATE 28119
Account Summary
Previous (.1 Purchases (-) Payments (+) FINANCE (n) New
Balance & Advances & Credits CHARGE Balance
Purchases 2,185.80 48.00 98.00 28.19 2, 163.99
Advances 0.00 0.00 0.00 0 00 0.00
Total 2.185 80'",.._ _._.,.___...,_._.....__._.,..,.._ ....__._ .__.,._,.
48.00 98.00 28.19 2,163.99
Rate Summary Days This Billing Perlod: 29
Balance Subject to Periodic Nominal ANNUAL
Finance Charge Rate APR PERCENTAGE
,.V....._.�......... ,._._..,...,,.._.....,__.._.�,........,_._..,___......,,.- RATE
PURCHASES
StandardPurch 2,182 35 1.29167%(M) 1-5-500%...._....15.500%__,
ADVANCES
Standard -Adv __-- 0.001.29167%(M) 15.500% 15.500%
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Account Activity
Dec 19 -Jan 20, 2009
Payment Due Date:
02/12/2009
logia time on the paymentaw Tare. PM
Minimum Amount Due:
$166.05
Total New Balance:
$2,117.02
Quick Reference
Total Credit Line $2 , 000
Available Credit Line $0
Cash Advance Limit $600
Available Cash Limit $0
Important Account Information
1 of 1
www.cjticards.com
Account Member
DEBORAH M SNYDER
Account Number
.957
How to Reach Us
1-800-388-2200
Customer Service
BOX 6500
SIOUX FALLS, SD
57117
At a Glance
Previous Amount Over Past Finance Total New
Balance Credit Line Due Charges Balance
$2,163.99 $117.02 $0.00 528.03 $2,117.02
Payments, Credits and Adjustments
Sale Post Description
01/12 PAYMENT THANK YOU
_....._..... - "••01/16 PAYMENT THANK YOU ................. ""_:...,,,.__. _.,.,...._..___.....
01/17 PARTIAL DEFERMENT TRANSACTION"
Standard Purchases
Amount
75.00
-50.00
Sale _Post Description Amount
12716 - -"- 12)31 1121608 RETURN CHECK��A��-NSF" �'4� '���x 50.00
01/17' 01717 PARTIAL DEFERMENT TRANSACTION 23.00
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01/20 PURCHASES•FINANCE CHARGE*PERIODfC RATS """W 28.03
Account Summary
Previous (+) Purchases (-) Payments (+) FINANCE (=) New
Balance & Advances S, Credits CHARGE Balance
Purchases 2, 163.99 73.00 148.00 .28.03 2,117.02
Advances 0.00 0.00 0.00 0.00 0.00
Total 2,163.99 73.00 148.00 28.03 2,117.02
Rate Summary Days Thls Billing Period: 33
Balance Subject to
Finance Charge
Periodic
Rate
Nominal ANNUAL
APR PERCENTAGE
RATE
PURCHASES
StandardPurch 2,170.05 1 29167%(M) 15.500% 15.500%
ADVANCES
Standard Adv 0.00 1.29167%00 15.50096 - W15.500%
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Citi Diamond Preferred"
Rewards Card
Account Activity
Jan 21 -Feb 18, 2009
Payment Due Date:
03/13/2009 Inca tl emon he parymant duea te.
PM
Minimum Amount Due:
$121.58
Total New Balance:
$2,074.30
Quick Reference
Total Credit Line $2 , 000
Available Credit Line $0
Cash Advance Limit $600
Available Cash Limit $0
Important Account Information
1of1
www.clticards.com
Account Member
DEBORAH M SNYDER
Account Number
EIMIIMI15957
How to Reach Us
1-800-388-2200
Customer Service
BOX 6500
SIOUX FALLS, SD
57117
At a Glance
Previous Amount Over Past Finance Total New
Balance Credit Line Due Charges Balance
$2,117.02 $74.30 $0.00 $27.28 $2,074.30
Payments, Credits and Adjustments
Sale Post Description Amount
02116 PAYMENT THANK YOU -70.00
Standard Purchases
Sale Post Description Amount
..�..,....,._ 02/18--PURCHASES+'FINANCECHARGE'EPERiODIC RAT£'W-- 27.28
Account Summary
Previous (.1 Purchases (-) Payments (+) FINANCE (_) New
Balance & Advances & Credits CHARGE. Balance
Purchases 2,117.02 0.00 70.00 27.28 2,074.,30
Advances 0.00 0.00 0.00 0 00 0.00
Total 2,117.02 0.00 70.00 27.28 2,074.30
Rate Summary
Days This Billing Period: 29
ANNUAL
PERCENTAGE
RATE
Balance Subject to
Finance Charge
PURCHASES
StandardPurch 2,112,19 1 29167%(M) 15.50096-----"r5756-0%
ADVANCES
-StaridardAdv"" 0 00 1.29167%(M) 15-.500% 15 500%
Periodic
Rate
Nominal
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Account Activity
Feb 19 -Mar 19, 2009
Payment Due Date:
04/13/2009 bee time on the paymen duye data PM
Minimum Amount Due:
$77.76
Total New Balance:
$2,031.03
Quick Reference
Total Credit Line $2 , 000
Available Credit Line $0
Cash Advance Limit $600
Available Cash Limit $0
Important Account Information
www.clticards.com
Account Member
DEBORAH M SNYDER
Account Number
;957
How to Reach Us
1-800-388-2200
Customer Service
BOX 6500
SIOUX FALLS, SD
57117
At a Glance
Previous Amount Over Past Finance Total New
Balance Credit Line Due Charges .Balance
$2,074.30 $31.03 $0:00 $26.73 $2,031.03
Payments, Credits and Adjustments
Sale Post Description Amount
03%17 P—O-MtNT"THARK YOU -70.00
Standard Purchases
Sale Post Description Amount
03/19 PURCHASES+'FINANCECHARGEsPERIODICRATE
Account Summary
Previous (+) Purchases (•) Payments (+) FINANCE (2) New
Balance & Advances & Credits CHARGE Balance
Purchases 2,074.30 0.00 70.00 26 73 2 031.03
Advances 0.00 0.00 0.00 0 00 0.00
Total 2,074.30 0.00 70.00 26.73 2,031.03
Rate Summary
PURCHASES
Standard Pu_rch_ _
ADVANCES
Standard Adv
Balance Subject to
Finance Charge
Periodic
Rate
Days This Billing Period: 29
ANNUAL
PERCENTAGE
RATE
Nominal
APR
2,069.47 1 . 29-1679i( M ) 15.00%-1-$'.500%ry
0 OO"._ .i 29167%(M)15.500% 15.500%
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Citi Diamond Preferred
Rewards Card
Account Activity
Mar 20 -Apr 17, 2009
Payment Due Date:
05/12/2009 local Payment
ime on the payment due date.
Minimum Amount Due:
$45.23
Total New Balance:
$1,987.26
Quick Reference
Total Credit Line $2 , 000
Available Credit Line $0
Cash Advance Limit $600
Available Cash Limit $0
Important Account Information
Your account balance is now below your credit line.
Please keep in mind that if you exceed your credit
line in the future, you may be assessed a fee.
1 of 1
www.clticards.com
Account Member
DEBORAH M SNYDER
Account Number
1957
How to Reach Us
1-800-388-2200
Customer Service
BOX 6500
SIOUX FALLS, SD
57117
At a Glance
Previous Amount Over Past Finance Total New
Balance Credit tine Due Charges Balance
$2,031.03 $0.00 $0.00 526.23 51,987.26
Payments, Credits and Adjustments
Sale Post Description
��"-'�Wmm��04/17� PAYMENI'THANKYOU��V�
Standard Purchases
Amount
Sale Post Description. Amount
--- _ 04/17 PURCHASESeFINANCE-CHARGEePERIODIC RATE 26.23
Account Summary
Previous (e) Purchases (-1 Payments (e) FINANCE (=) New
Balance & Advances & Credits CHARGE Balance
Purchases 2,031.03 0.00 70.00 26.23 1,987.26
Advances 0.00 0.00 0.00 0.00 0.00
Total 2,031.03 0.00 70.00 26.23 1,987.26
Rate Summary
Days This Billing Period: 29
ANNUAL
PERCENTAGE
RATE
Balance Subject to
Finance Charge
Periodic
Rate
Nominal
APR
PURCHASES
_._.ard Pur_ ...._....__....,,,,,_...__._.
StandardPurch 2,031.03 1.29167%(M) 15.500% 15.500%
ADVANCES
Standard
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Account Activity
Apr 18 -May 19, 2009
Payment Due Date:
06/12/2009 Iocaal time on the payment dnt must IN received ue date.
y 5:00 PM
Minimum Amount Due:
$237.07
Total New Balance:
$2,099.05
Quick Reference
Total Credit Line
Available Credit Line
Cash Advance Limit
Available Cash Limit
$2,000
$0
$600
so
Important Account Information
Congratulations! Our records indicate that you
recently completed your payment arrangement. We
look forward to reestablishing your account, so
please contact us today at 1-866-235-6109 to ensure
you meet all requirements previously discussed.
Your late fee was based on your account balance as
of the payment due date (05/12/09), which was
$1,987.26.
1 of 2
www.clticards.com
Account Member
DEBORAH M SNYDER
Account Number
-957
How to Reach Us
1-800-633-7367
Custom er Service
80X 6500
SIOUX FALLS, SD
57117
ct�A
At a Glance
Previous - Amount Over Past Finance Total New
Balance Credit tine Due Charges Balance
$1,987.26 $99.05 $45.23 $33.79 52,099.05
Standard Purchases
Sale Post Description Amount
05/19 LATE fEE APR PAYMENT -PA -ST DUE 3900
05/19 OVER CREDIT LIMIT FEE 39.,00
' OS/19... �PURCHASESsFINANCE-CHARGE*PERIODIC RATE 33.79
Account Summary
Previous (H Purchases (-) Payments (r) FINANCE (_) New
Balance & Advances & Credits CHARGE Balance
Purchases 1.987.26 78.00 0.00 33.79 2,099.05
Advances 0.00 0.00 0.00 0.00 0 00
Total 1,987.26 78.00 0.00 33.79 2.099.05
Rate Summary
_ Days This Bllling Period: 32
ANNUAL
PERCENTAGE
RATE
PURCHASES
Standard PURE--
ADVANCES
urch_..
ADVANCES
Standard Adv
Balance Subject to
finance Charge
Periodic
Rate
Nominal
APR
2,003.58 005271%(D) 19.240% 19.240%
0.00 x.05271960) 19.24d1( 19.246%'
The Annual Percentage Rate on your account may increase due to one of the
following reasons stated in your Card Agreement with us: if you fail to make a
payment to us when due, you exceed your credit line or you make a payment to us
that is not honored by your bank.
Citi: Diamond Preferred"
Rewards Card
Account Number
..«...«..... 6957
Reminder: You take a cash advance if you use a cash convenience check; get
money through an automated teller machine (ATM); or get money through home
banking or a financial institution. You also take a cash advance if you make a wire
transfer; buy a money order, traveler's check, lottery ticket, casino chip, or similar
item; or engage in a similar transaction, Each Cash Advance is subject to a
one-time transaction fee described in your Card Agreement. This fee will cause
your Annual Percentage Rate to exceed the nominal Annual Percentage Rate listed
on this statement.
2 of 2
How to Reach Us
1-800-633-7367
Customer Service
BOX 6500
SIOUX FALLS, SD 57117
Access your account online: www.cfticards.com
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Account Activity
May 20 -Jun 18, 2009
Payment Due Date:
07/13/2009 locaal tine on the payment due date. nt must be received by ROO PM
Minimum Amount Due:
$441.97
Total New Balance:
$2,210.50
Quick Reference
Total Credit Line
Available Credit Line
Cash Advance Limit
Available Cash Limit
$2,000
$0
$600
$0
Important Account Information
Congratulations! Our records indicate that you
recently completed your payment arrangement. We
look forward to reestablishing your account, so
please contact us today at 1-866-235-6109 to ensure
you meet all requirements previously discussed.
Your late fee was based on your account balance as
of the payment due date (06/12/09), which was
$2,099.05.
1 of 1
www.clticards.com
Account Member
DEBORAH M SNYDER
Account Number
957
At a Glance
Previous
Balance
$2,099.05
Standard Purchases
Amount Over
Credit Line
$210.50
Past
Due
$138.02
How to Reach Us
1-800-388-2200
Customer Service
BOX 6500
SIOUX FALLS, SD
57117
Finance
Charges
533.45
c 4r
Total New
Balance
$2,210.50
Sale Post Description
r..._. .. ,,....._.___._.
06/18 LATE FEE MAY PAYMENTPAST DUE
�., ..�.,._
06/18_...OVE _,,,,,....._.........
OVER CREDIT LIMIT FEE
.. 06/18 PURCHASES'FINANCE CHARGE*PERIODIC RATE
Account Summary
Amount
39.00
39:00
33.45
Previous (+1 Purchases (-) Payments (+) FINANCE (=) New
Balance & Advances & Credits CHARGE Balance
Purchases 2,099.05 78.00 0.00 33.45 2,210.50
Advances 0.00 0 00 0.00 0.00 0.00
Total 2,099.05 78.00 0.00 33.45 2,210.50
Rate Summary
PURCHASES
Standard Purch
Balance Subject to
Finance Charge
Periodic
Rate
Days This Billing Period: 30
Nominal ANNUAL
APR PERCENTAGE
RATE
2,115:17— 0 05271%(D) 19.240% 19.-2-40%
ADVANCES
Standard Adv 0 00 --6766.2 7 fiTD"" 19.14-06-71§".`221-6-96-
Your
240%ry19.240%-
Your account is two months past due and your credit privileges have been
discontinued. Please call the toll-free number shown above, Monday -Friday, 7 am
to 9 pm, or Saturday, 8 am to 5 pm, Central Time. If you have already sent us this
payment, thank you.
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Account Activity
Jun 19 -Jul 20, 2009
Payment Due Date:
08/13/2009 local time on the paymen iduye date PN
Minimum Amount Due:
$323.53
Total New Balance:
$2,185.78
Quick Reference
Total Credit Line
Available Credit Line
Cash Advance Limit
Available Cash Limit
Important Account Information
1 of 1
$2,000
$0
$600
$0
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Account Member
DEBORAH M SNYDER
Account Number
957
How to Reach Us
1-800-388-2200
Customer Service
BOX 6500
SIOUX FALLS, SD
57117
car
At a Glance
Previous Amount Over Past Finance Total New
Balance Credit Line Due Charges Balance
$2,210.50 $185.78 S91.47 525.28 $2,185.78
Payments, Credits and Adjustments
Sale Post Description -.-, Amount
06/22 PAYMENT THANK YOU 5000
07/17 PARTIAL DEFERMENT TRANSACTION _... .�-" --- --�- - -90.00
Standard Purchases
Sale Post Description Amount
07/17 "-M— 07/17 PARTIAL DEFERMENT TRANSACTION W'ry90.00
—07/20— ,IPURdHASE'S+'FINANCE CHARGE*PERIODICRA?E7—.w,a, 25.28
Account Summary
Previous (+) Purchases (-) Payments (+) FINANCE (=) New
Balance &Advances & Credits CHARGE Balance
Purchases 2 210 50 90 00 140 00 25 28 2 185 78
Advances 0.00 0.00 0.00 0.00 0.00
Total 2,210.50 90.00 140.00 25.28 2,185.78
Rate Summary
Balance Subject to
Finance Charge
Days Thls Billing Period: 32
Periodic Nominal ANNUAL
Rate APR PERCENTAGE
RATE
PURCHASES
StaridardPurch - 2 166 75 f 16657%(M) 14. 000% 14 000%,,.
ADVANCES
Standard Adv 0.00 1.16667%(M) 0.
14 0__..
4.000%14.000%
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Account Activity
Jul 21 -Aug 19, 2009
Payment Due Date:
Iota Hrtiema heepayment due dig PM
09/11/2009
Minimum Amount Due:
$252.33
Total New Balance:
$2,161.18
Quick Reference
Total Credit Line $2 , 000
Available Credit Line $0
Cash Advance Limit $600
Available Cash Limit $0
Important Account Information
1 of 1
www.clticards.com
Account Member
DEBORAH M SNYDER
Account Number
957
How to Reach Us
1-800-388-2200
Customer Service
BOX 6500
SIOUX FALLS, SD
57117
c r
At a Glance
Previous Amount Over Past Finance Total New
Balance Credit Line Due Charges Balance
$2,185.78 $161.18 $44.75 525.40 $2,161.18
Payments, Credits and Adjustments
Sale Post Description Amount
08/14 PAVMENTTHANK YOU 5000
08/18 PARTIAL DEFERMENT TRANSACTION -�-�� . -43.00
Standard Purchases
Sale Post Description Amount
08/18 08/18 PARTIAL DEFERMENT TRANSACTION -43.00
08/19 PURCHASES•FINANCECHARGE•PERIODICRATE— 25.40
Account Summary
Previous (+1 Purchases (-) Payments (r) FINANCE (e) New
Balance & Advances & Credits CHARGE Balance
Purchases 2,185 78 43.00 93.00 25.40 2,161.18
Advances 0.00 0.00 0.00 0.00 0.00
Total 2,185.78 43.00 93.00 25.40 2,161.18
Rate Summary Days This Billing Period: 30
Balance Subject to Periodic Nominal ANNUAL
Finance Charge Rate APR PERCENTAGE
RATE
PURCHASES
StandardPurcti 2,177.44 1.16667%(M) 14.000% '14.-00-0-9C
ADVANCES
StandardAdv --'- 0.00---1.16667%(M)14.000% 14.000%
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Citi Diamond Preferred'°
Rewards Card
Account Activity
Aug 20 -Sep 18, 2009
Payment Due Date:
10/12/2009 loca time omust
the paymentuce date. be received by 5:00 PM
Minimum Amount Due:
$182.34
Total New Balance:
$2,136.26
Quick Reference
Total Credit Line $2 , 000
Available Credit Line $0
Cash Advance Limit $600
Available Cash Limit $0
Important Account Information
1 of 1
www.clticards.com
Account Member
DEBORAH M SNYDER
Account Number
5957
How to Reach Us
1-800-388-2200
Customer Service
BOX 6500
SIOUX FALLS, SD
57117
At a Glance
Previous Amount Over Past Finance Total New
Balance Credit Line Due Charges Balance
52,161.18 5136.26 50.00 525.08 52,136.26
Payments, Credits and Adjustments
Sale Post Description Amount
9.
09 11 PAYMENT THANK YOU �- -� -50.00
_........ ................,.09 ,..w..._....,,P A ACTO _, ....,.v..,._.,. _.,_....._..__._.._....... .00
09/17 PARTIAL DEFERMENT TRANSACTION -43.00
Standard Purchases
Sale Post Description Amount
09/17 ._ 09/17 PARTIAL DEFERMENT TRANSACTION Y_ ' ' —' ..'_._-..,.. 43.00
9%18 PURCHASES*FINANCECHARGE*PERICOIC RATE ' - 25.08
Account Summary
Previous (r) Purchases (-) Payments (r) FINANCE (r) New
Balance__ & Advances _ &Credits CHARGE Balance
Purchases 2,161 18 43.00 93.00 25.08 2,136,26
Advances 0.00 0.00 0.00 0.00 0.00
Total 2,161 18 43.00 93.00 25.08 2,136.26
Rate Summary Days Thls Billing Period: 30
Balance Subject to Periodic Nominal ANNUAL
Finance Charge Rate APR PERCENTAGE
_�__..__..„__._._......_._.....,,�_._..._...,.._-RATE
PURCHASES
Standard Purch _ - 2 149 51 1 16667%(M) -14.000% - 14.000%
ADVANCESStandard Adv 0.00 1.16667%(M) 14.000%.._. 14.000%'
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Account Activity
Sep 19 -Oct 20, 2009
Minimum Payment Due: New Balance:
x. $156.92 $2,111.09
Payment Due Date:
11/12/2009 wcaaltimeenthe paynentnt must be duedate.0 PM Standard Purchases
www.clticards_com
Account Member
DEBORAH M SNYDER
Account Number
957
Payments, Credits and Adjustments
How to Reach Us
1-800-388-2200
Customer Service
BOX 6500
SIOUX FALLS, SD
57117
cr
Sale Post DescriptionAmount
.. _..._.. 10/15 .:.PAYMENT THANKYOU—"...... SD.00
Late Payment Warning. If we do not receive your
minimum payment by the date listed above, you may have
to pay a $0 late fee and your APRs may be increased up to
the Penalty APR of 14.00%.
Summary of Account Activity
Previous Balance $2,136.26
Payments $50.00
Other Credits $0.00
Balance Transfers
Cash Advances
Amount Over Credit Line
Past Due Amount
New Balance
Credit Limit
Avallatire C'red(t'
Cash Advance Limit
Available Cash Limit
Statement Closing Date
Days In Billing Cycle
1 0f 1
$2,000
..........6
$600
$0
10/20/09
32,..
Sale Post Description Amount
_.. _.._. — 10/20—
......,.. .,.._.._, ._. ._._...-_ ..............__.......
10/20 PURCHASES'FINANCE CHARGEsPERIODIC RATE 24.83
Account Summary
Previous (+) Purchases (-1 Payments (+) FINANCE
Balance - & Advances & Credits
Purchases 2,136.26 0.00 50.00
Advances 0.00 0.00 0.00
Total 2,136 26 0.00 50.00
Rate Summary
CHARGE
Balance Subject to
Flnance Charge
Periodic
Rate
(=) New
Balance
24.83 2,111.09
0.00 0.00
24.83 2,111.09
Days Thls Billing Period: 32
Nominal ANNUAL
APR PERCENTAGE
RATE
PURCHASES
StandardPurch— -_-' 2,128 44 —ifi667%(M) 14. 000% 14.000%"
ADVANCES
1.16667%(M) 14.000% 14.000%
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Rewards Card
Account Activity
Oct 21 -Nov 18, 2009
Minimum Payment Due: New Balance:
$130.15 $2,085.62
www _cit icards _com
Account Member
DEBORAH M SNYDER
Account Number
5957
Payments, Credits and Adjustments
How to Reach Us
1-800-388-2200
Customer Service
BOX 6500
SIOUX FALLS, SD
57117
Sale Post DescriptionAmount
Payment Due Date: ‘—"PAYMENY'YHANK YOU-- .... �'��' -50.00
12/11/2009 weal ttime on theepaayment due date PM Standard Purchases
Late Payment Warning If we do not receive your
minimum payment by the date listed above, you may have
to pay a $0 late fee and your APRs may be increased up to
the Penalty APR of 14.00%.
9. Summary of Account Activity
Previous Balance $2,111.09
Payments _ $50.00
Other Credits $0.00
Purchases $0 00
Balance Transfers $0 00
Cash Advances $0.00
8 Amount Over Credit Line $85.62
Past Due Amount $0.00
3 ' New Balance $2,085.62
i
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Available Credit
Cash Advance Limit 8600
Available Cash Limit $'0
A 8 Statement Closing Date 11/18/09
g Days in Billing Cycle
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Sale Post Description Amount
11/18 PURCHASES*FINANCE CHARGEsPERIODIC RATE 24.53
Account Summary
Previous (41 Purchases (-) Payments (+) FINANCE (=) New
Balance & Advances & Credits CHARGE Balance
Purchases 2,111.09 0.00 50.00 24.53 2,085.62
Advances 0.00 0.00 0.00 0.00 0.00
Total 2,111.09 0.00 50.00 24.53 2,085.62
Rate Summary
Balance Subject to
Finance Charge
PURCHASES
Periodic
Rate
Days This Billing Period: 29
Nominal ANNUAL
APR PERCENTAGE
RATE
Standard Purch 2, 102.46 1.16667%('Mj' 14.0004 --'14.000%
ADVANCES
0.00 __ 1.16667%(M)"-14.000%— 14.000%-
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Account Activity
Nov 19 -Dec 18, 2009
Minimum Payment Due: New Balance:
$104.02 $2,059.82
Payment Due Date:
01/11/2010 Payment
on thepaymentdue date. by 5:00
Late Payment Warning If we do not receive your
minimum payment by the date listed above, you may have
to pay a $0 late fee and your APRs may be Increased up to
the Penalty APR of 14.00%.
Summary of Account Activity
Previous Balance $2,085.62
Payments $50.00
Other Credits $0.00
Purchases $0.00
Balance Transfers $0.00
Cash Advances $0.00
Amount Over Credit Line $59 .82
Past Due Amount
New Balance $2,059.82
Credit Limit
Cash Advance Limit
Available Cash Limit
Statement Closing Date
Days in Billing Cycle
1 of 1
$2,000
$600
$0
12/18/09
..,......____..30
www.clticardscom
Account Member
DEBORAH M SNYDER
Account Number
957
Payments, Credits and Adjustments
How to Reach Us
1-800-388-2200
Customer Service
BOX 6500
SIOUX FALLS, SD
57117
cra
Sale Post Description
"' 12/11PAYMERTiHANK you - "
Standard Purchases
Amount
-50.00
Sale Post. Description
Amount
12/18 PURCHASES'FINANCECHARGE'PERIODIC RATE ...__.. 24.20
Account Summary
Previous (+) Purchases (-) Payments (+) FINANCE (=) New
Balance & Advances & Credits CHARGE Balance
Purchases 2,085.62 0.00 50.00 24.20 2,059.82
0.00 0.00
Total 2,085.62 0.00 50.00 24.20 2,059.82
Advances 0.00 0.00 0.00
Rate Summary Days This Billing Period: 30
PURCHASES
'Standard PurCh
ADVANCES
.,,.
_........- ._..._....:.....,
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Standdard Adv 0.00 1.16667%(M) 14.000%
Balance Subject to
Finance Charge
Periodic Nominal ANNUAL
Rate APR PERCENTAGE
RATE
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Minimum Payment Due:
$314.28
Payment Due Date:
02/12/2010 Iocaaltimepayment
on the duent must be received date.
PaPM
Account Activity
Dec 19 -Jan 20, 2010
New Balance:
$ 2,173.95
www.clticards.com
Account Member
DEBORAH M SNYDER
Account Number
957
Standard Purchases
How to Reach Us
1-800-633-7367
Customer Service
BOX 6500
SIOUX FALLS, SD
57117
Sale Post Description Amount
'Di/20"'.._LATEFEE-oft -PAYMENTPASTD111=µ
01/20 OVER CREDIT LIMIT FEE 39.00
01/20 PURCHASEStFINANC£ CHARGE*PERIODIC RATE36.13
Late Payment Warning: If we do not receive your Account Summary
minimum payment by the date listed above, you may have Previous 14.) Purchases (-1 Payments (+1 FINANCE (_) New
to pay a $39 late fee and your APRs may be increased up to Balance & Advances & Credits CHARGE Balance
the Penalty APR of 28.99%. Purchases 2 , 059 .82 78.00 0.00 36.13 2,173.95
Advances 0.00 0.00 0.00 0.00 0.00
Total 2,059.82 78.00 0.00 36.13 2,173.95
Summary of Account Activity
Previous Balance $2,059.82
Payments $ 0 .00
Other Credits $0.00
Cash Advances
Amount Over Credit Line
Past Due Amount
.................................................
New Balance
$78.00
$0.00
—1-6766-
'$173.95 $173.95
"$4'4". 0
$2,173.95
Credit Limit $2,000
Available Credit $0
Cash Advance Limit 5600
Available -Cash Limit "�__
Statement Closing Date 01/20/10
Days in Billing Cycle
1 of 1
Rate Summary Days This Billing Perlod: 33
Balance Subject to Periodic Nominal ANNUAL
Finance Charge Rate APR PERCENTAGE
RATE
PURCHASES
ADVANCES
Stand,,._..
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Your late fee was based on your account balance as of the payment due date
(01/11/10), which was $2,059.82.
The Annual Percentage Rate on your account may increase due to one of the
following reasons stated in your Card Agreement with us: if you fail to make a
payment to us when due, you exceed your credit line or you make a payment to us
that is not honored by your bank.
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Account Activity
Jan 21 -Feb 17, 2010
Minimum Payment Due: New Balance:
$478.90 $2,245.26
Payment Due Date:
03/12/2010 �aaltimemonthe�paymenttdue000at*.PM
Late Payment Warning: If we do not receive your
minimum payment by the date listed above, you may
have to pay upto a $39 late fee and your APRs may be
increased up to the variable Penalty APR of 28.99%.
Minimum Payment Warning: If you make only the
minimum payment each period, you will pay more in
interest and it will take you longer to pay off your
balance. For example:
If you make no ; You will pay off And you will end
additional charges the balance shown up paying an
using this card and on this statement estimated total
each month you pay... In about... of...
Only the minimum i 12 year(s) $4,383
payment
$77
3 year(s)
$2,927
(Savings -$1,456)
For information about credit counseling services, can 1-877-337-8188.
1of1
www_citicards.com
Account Member
DEBORAH M SNYDER
Account Number
957
Summary of Account Activity
Previous Balance $2,173.95 Fees
Payments -50.00 Sale_
Other Credits -$0.00
Purchases +$0.00
Balance Transfers +$0.00
Cash Advances +50.00- Interest Charged
How to Reach Us
1-800-388-2200
Customer Service
BOX 6500
SIOUX FALLS, SD
57117
c 4r
Post Description _..-__ „..W,._
02/17 AEFEJANPAYMENTAST.DUrn_
TOTAL FEES FOR THIS PERIOD
Fees Charged +$39.00 Post Description
Interest Charged +$32.31 -
New Balance $2,245.26 02/17 PURC+iASES INTEREST CHARGE'PERIODIC RATE
"" TOTAL INTEREST FOR THIS PERIOD
Amount
39.00
39.00
Past Due Amount $140.33
Amt. Over Credit Limit $245.26
Credit Limit $2,000
Available Credit 0
Cash Advance LimitS600
Available Cash Limit$0
Statement Closing Date 02/17/2010
Days in Billing Cycle 28
Rate Summary
Balance Subject to
interest Charge
PURCHASES
StandardPurch 2,1.89,49_ 005271%(D) 19 ,24096__1972.40K
ADVANCES
Standard -Ada' --M--0.000.05711e(Dj "19:240%----'19.240V
Periodic
Rate
Amount
32.31
32.31
Days This Billing Period: 28
Nominal ANNUAL
APR PERCENTAGE
RATE
Your late fee was based on your account balance as of the payment due date
(02/12/10), which was $2,173.95.
Your account is two months past due and your credit privileges have been
discontinued. Please call the toll-free number shown above, Monday - Friday, 7 am
to 9 pm, or Saturday, 8 am to 5 pm, Central Time. If you have already sent us this
payment, thank you.
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Account Activity
Feb 18 -Mar 18, 2010
Minimum Payment Due: New Balance:
$649.06 $2,318.84 Previous Balance 52,245.26
-50
Payments -.00
Other Credits --._ _
-50.00
Summary of Account Activity
Payment Due Date:
04/15/2010 Payment must be received by 500 PM
!M nevrnene Ane Aa}e
Late Payment Warning: If we do not receive your
minimum payment by the date listed above, You may
have to pay up to a $39 late fee and your APRs may be
increased up to the variable Penalty APR of 28.99%.
Minimum Payment Warning: If you make only the
minimum payment each period, you will pay more in
interest and it will take you longer to pay off your
balance. For example:
If you make no You will pay off And you will end
additional charges the balance shown: up paying an
using this card and on thls Statement: estimated total
each month you pay... In about... 0f...
Only the minimum 12 year(s) $4,303
payment
576 3 year(s)
52,994
(Savings=$1,309)
For information about credit counseling services, call 1-877-337-8188.
1 011
Balance Transfers +$0.00
Cash Advances +50.00
Fees Charged +S39.00
Interest Charged +$34.58
New Balance $2,318.84
Past Due Amount
5233.64
Amt. Over Credit Limit $318.84
Credit Limit $2,000
Available Credit $0
Cash Advance Limit —��$600
Available Cash Limit $0
Statement Closing Date _ 03/18/2010
Days in Billing Cycle 29
www.cltfcards.com
Account Member
DEBORAH M SNYDER
Account Number
957
Fees
How to Reach Us
1-800-866-9900
Customer Service
BOX 6500
SIOUX FALLS, SD
57117
car
Sale
Post Description _ Amount
03/18 LATE FEE - FEB PAYMENT PAST DUE, µ 39.00
TOTAL FEES FOR THIS PERIOD 39.00
Interest Charged
Post Description
03/18 PURCHASES INTEREST CHARGE PERIODIC RATE
TOTAL INTEREST FOR THIS PERIOD
Rate Summary
Amount
34.58
34.58
Days This Billing Period: 29
ANNUAL
PERCENTAGE
RATE
Balance Subject to Periodic Nominal
Interest Charge Rate APR
PURCHASES
5tandardPurch ' 2 261 1:-:::17i;05:277-1.7167(0)--11.7.9'
240% -19 240%
ADVANCES
15766-----67-6S"2 714kI)3 — 19'.240%'' '.x19.240%".
Your late fee was based on your account balance as of the payment due date
(03/12/10), which was $2,245.26.
Your account is now 3 MONTHS PAST DUE and currently closed. Please call the
toll-free number shown above to learn about our special payment options. Call
Monday - Friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time.
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Account Activity
Mar 19 -Apr 19, 2010
Minimum Payment Due: New Balance:
Summary of Account Activity
$595.14 $2,277.92 Previous Balance $2,318.84
Payments -560.00
Other Credits
-50.00
Payment Due Date:
05115t2010 baa i nton ha payment dmust be received uo yataQ PM
Late Payment Warnln¢ If we do not receive your
minimum payment by the date listed above, you may
have to pay a $0 late fee and your APRs may be
increased up to the variable Penalty APR of 9.90%.
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 you make not You wit pay off And you will end
additional charges :the balance shown up paying an
using this card and on this statement estimated total
each month you pay.... In about_. of...
" Only the minimum i 3 years) $2,445
payment
For information about credit counseling services, call 1-877-337-8188.
1 of 1
www.citicards.com
Account Member
DEBORAH M SNYDER
Account Number
.111111111M5957
Payments, Credits and Adjustments
Sale Post Description
PAYMENT-l`HAR' "eo r -"
Balance Transfers +$0.00 Fees
Cash Advances +$0.00
Fees Charged +$0.00
interest Charged +$19.08
New Balance $2,277.92
Past Due Amount
Amt. Over Credit Limit $277.92
Credit Limit $2,0
00
AvaiitiWtredit -
._,$
Cash Advance Limit
S600�
Avatiable Cash ' $0 Balance Subject to
Statement Closing0dfe 04/79/2010 interest Charge
Days to Biking Cycie at ""� 32 '
PURCHASES
Standard Purch 2 313 21 0-82500%(M) 9 9p0% 9 900%
ADVANCES
.Standard ll"dv
0.00" 0 02712%(Fj"��`"9 900%�'
How to Reach Us
1-800-866-9900
Customer Service
BOX 6500
SIOUX FALLS, SD
57117
car'
,Amount
=60�i)o
Sale
Post
Interest Charged
Desoription "...,
TOTAL FEES OR"T_HIS PERIO
Amount
0.00
$270.22 _.... ,,,,_.._.,,,,Post Description
04/19 PURCHASES•INT£REST CHARGE'PERIODIC RATE
TOTAL INTEREST FOR THIS PERIOD
Rate Summary
Periodic
Rate
Amount
19.08
19.08
Days This Billing Period: 32
NANNUAL
APIominal PERCENTAGE
RATE
9.900%W
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Account Activity
Apr 20 -May 19, 2010
Minimum Payment Due: New Balance:
$517.88 $2,236.66
Payment Due Date:
06/15/2010 Payment must on the paymentdue date.
0 PM
e.
Late Payment Warning If we do not receive your
minimum payment by the date listed above, you may
have to pay a $0 late fee and your APRs may be
increased up to the variable Penalty APR of 9.90%.
Minimum Payment Warning If you make only the
minimum payment each period, you will pay more in
interest and it will take you longer to pay off your
balance. For example:
If you make no You will pay off And you will end
additional charges the balance shown- up paying an
using this card and on this statement estimated total
each month you pay._ In about_ of_
Only the minimum 3 year(s) 52,436
For information about credit counseling services, 0011 1-877-337-8188.
1011
Summary of Account Activity
Previous Balance $2,277.92
a„._nTS-.,,._--..�.:.,._........,.._ 2.... ,..
Payments -$82.00
Other Credits -$0.00
_._.... ...O.
Purchases +22.00
Balance Transfers +50.00
Cash Advances +$0.00
Fees Charged +$0.00
interest Charged +$18.74
New Balance $2,236.66
Past Due Amount S235.22
Amt. Over Credit Limit $236.66
Credit Limit $2,000
Available Credit $0
Cash Advance Limit $600
Available Cash Limit
Statement Closing Date 05/19/2010
Days in Billing Cycle 30
www.clticards_com
Account Member
DEBORAH M SNYDER
Account Number
—'957
Payments, Credits and Adjustments
How to Reach Us
1-800-866-9900
Customer Service
BOX 6500
SIOUX FALLS, SD
57117
c°
Sale Post Description
05/16 PAYMENT' THANKYOU __..
05/18 PARTIAL DEFERMENT TRANSACTION
Standard Purchases
Amount
22.00
Sale Post Description
057i8 - 05/18 PARTIAL DEFERMENT TRANSACTION � �"
Fees
Amount
22.00
Sale Post
Interest Charged
Description „..,
TOTAL FEES FOR THIS PERIOD
Amount
0.00
Post Description
05/19 PURCHASES INTEREST CHARGE" PERIODIC RATE
TOTAL INTEREST FOR THIS PERIOD
Rate Summary
PURCHASES
Standard Purch
ADVANCES
Standard Adv * ..—
Balance Subject to
Interest Charge
Periodic
Rate
Amount
18.74
18.74
Days This Billing Period: 30
Nominal ANNUAL
APR PERCENTAGE
RATE
,2,271,,92_ 0 82500%(M) §T9-60%,--"_„-97§-6-6§"6-
_ , _.
0.00 _0.02712%(fj����9.900% 9.900%
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CITIBANK, N.A.
Plaintiff
v.
DEBORAH M. SNYDER
Defendant
•
CIVIL ACTION -LAW
NO: 12 -476 -CIVIL
PRAECIPE TO ENTER APPEARANCE
CD
y --
Filed on Behalf of Defendant: -b -�-,
Q Gn C-rl-.
DEBORAH M. SNYDER =�rnv
...
`y> U1 --t CF
Counsel of Record: -c x-,�
te(--) z. c--,
Robert D. Klingensmith, Esquire -o -- GAT ,
PAI.D.#313960
HAROLD SHEPLEY & ASSOCIATES, LLC
209 West Patriot Street
Somerset, PA 15501
(814) 444-0500
(814) 444-0600 (fax)
rklingensmith@shepleylaw.com
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CITIBANK, N.A.
Plaintiff
v.
CIVIL ACTION -LAW
NO: 12 -476 -CIVIL
DEBORAH M. SNYDER
Defendant
PRAECIPE TO ENTER APPEARANCE
TO THE PROTHONOTARY:
Kindly enter the appearance of ROBERT D. KLINGENSMITH, ESQUIRE and the law
firm of HAROLD SHEPLEY & ASSOCIATES, LLC, on behalf of the Defendant, DEBORAH
M. SNYDER, in the above captioned matter.
Date
Robert D. Klingensmith, Esquire
Attorney for the Defendant
Harold Shepley and Associates, LLC
209 West Patriot Street
Somerset, PA 15501
(814) 444-0500
(814) 444-0600 (fax)
rklingensmith@shepleylaw.com
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CITIBANK, N.A.
Plaintiff
v.
DEBORAH M. SNYDER
Defendant
CIVIL ACTION -LAW
NO: 12 -476 -CIVIL
.• ANSWER
Filed on Behalf of Defendant:
DEBORAH M. SNYDER
Counsel of Record:
Robert D. Klingensmith, Esquire
PA I.D. # 313960
HAROLD SHEPLEY & ASSOCIAI ES, LLC
209 West Patriot Street
Somerset, PA 15501
(814) 444-0500
(814) 444-0600 (fax)
rklingensmithshepleylaw.com
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CITIBANK, N.A.
Plaintiff
v.
DEBORAH M. SNYDER
Defendant
•
•
•
•
•
•
•
•
•
CIVIL ACTION -LAW
NO: 12 -476 -CIVIL
ANSWER
AND NOW, comes the Defendant, DEBORAH M. SNYDER, by and through her
attorney, Robert D. Klingensmith, Esquire of Harold Shepley & Associates, LLC, and files the
following Answer to Plaintiff's Complaint:
1. Admitted.
2. Admitted.
Count I Breach of Contract
3. Admitted.
4. Denied. After a reasonable investigation, Defendant is without knowledge or
information sufficient to form a belief as to whether he received and used the account at issue to
the extent the Plaintiff alleges. After a reasonable investigation, Defendant is without knowledge
or information sufficient to form a belief as to the terms and conditions of the original
agreement, and whether those terms and conditions were subsequently amended by the Plaintiff.
5. Denied. After a reasonable investigation, Defendant is without knowledge or
information sufficient to form a belief as to whether he used the account at issue to the extent
Plaintiff alleges. After a reasonable investigation, Defendant is without knowledge or
information sufficient to form a belief as to the terms and conditions of the original agreement,
and whether those terms and conditions were subsequently amended by the Plaintiff.
6. Admitted in part and denied in part. Defendant admits refusing to pay the aforesaid
amount, but Defendant denies that the aforesaid amount was ever in any manner communicated
with the Plaintiff as having an intent to pay.
Count II Account Stated
7. Admitted.
8. Denied. After a reasonable investigation, Defendant is without knowledge or
information sufficient to form a belief as to whether he used the account at issue. If Plaintiff can
prove that Defendant used the account at issue, then Defendant is without knowledge or
information sufficient to form a belief as to whether Defendant's act of using said credit card
constituted an acceptance of the terms and conditions of an alleged agreement.
9. Denied. Defendant denies assenting to any amounts and/or terms of the alleged
account solely by using the alleged credit card. Defendant denies using the alleged account in a
manner that would give rise to an account stated theory in this matter. Defendant denies owing
the Plaintiff money that amounts to what is alleged in the Amended Complaint.
10. Denied. It is denied that Defendant owes the Plaintiff the amount alleged. Defendant
denies reviewing the monthly statements every month as now in the age of technology
statements are paperless. Defendant merely made payments on the account as she believed was
necessary without assenting to the balance owed.
11. Denied. It is denied that Defendant owes the Plaintiff the amount alleged. Defendant
denies reviewing the monthly statements every month as now in the age of technology
statements are paperless. Defendant merely made payments on the account as she believed was
necessary without assenting to the balance owed.
12. Denied. It is denied that Defendant owes the Plaintiff the amount alleged. Defendant
denies reviewing the monthly statements every month as now in the age of technology
statements are paperless. Defendant merely made payments on the account as she believed was
necessary without assenting to the balance owed.
Count III Unjust Enrichment
13. Admitted.
14. Denied. Defendant after reasonable investigation is without knowledge or
information to form a belief as to whether they used the alleged card or not to the extent Plaintiff
claims that he did. Strict proof of said usage by the Defendants is required at trial.
15. Denied. Defendant after reasonable investigation is without knowledge or
information to form a belief as to whether they used the alleged card or not to the extent Plaintiff
claims that he did. Strict proof of said usage by the Defendants is required at trial.
16. Denied. Defendant after reasonable investigation is without knowledge or
information to form a belief as to whether they used the alleged card or not to the extent Plaintiff
claims that he did. Strict proof of said usage by the Defendants is required at trial.
17. Denied. Defendant after reasonable investigation is without knowledge or
information to form a belief as to whether they used the alleged card or not to the extent Plaintiff
claims that he did. Strict proof of said usage by the Defendants is required at trial. By way of
further response, the Defendant admits to not making payments on the alleged account.
Defendant specifically denies owing the Plaintiff any monies in the amount that Plaintiff
contends. By way of further response, Plaintiff cannot recover on an unjust enrichment claim
when they have specifically plead a breach of contract theory.
Count IV Quantum Meruit
18. Admitted.
19. Denied. Defendant after reasonable investigation is without knowledge or
information to form a belief as to whether they used the alleged card or not to the extent Plaintiff
claims that he did. Strict proof of said usage by the Defendants is required at trial.
20. Denied. Defendant after reasonable investigation is without knowledge or
information to form a belief as to whether they used the alleged card or not to the extent Plaintiff
claims that he did. Strict proof of said usage by the Defendants is required at trial.
21. Denied. Defendant after reasonable investigation is without knowledge or
information to form a belief as to whether they used the alleged card or not to the extent Plaintiff
claims that he did. Strict proof of said usage by the Defendants is required at trial. By way of
further response, The Defendant is without sufficient information to calculate any amount owed
on this account. Trial on damages is required.
WHEREFORE, Defendant respectfully requests that judgment be entered for it on
Plaintiff's claims and the same dismissed with prejudice.
Respectfully submitted,
Robert D. Klingensmith, Esquire
Attorney for the Defendant
Harold Shepley and Associates, LLC
209 West Patriot Street
Somerset, PA 15501
(814) 444-0500
(814) 444-0600 (fax)
rklingensmith@shepleylaw.com
VERIFICATION
ROBERT D. KLINGENSMITH, ESQUIRE, hereby state that I am the attorney for the
Defendant in this action and verify that the statements made in the forgoing pleading are true and
correct to the best of our knowledge, information and belief. The verification is signed by
counsel in this instance due to the time required to file the pleading. Pa.R.C.P. 1024 requires the
verification be made by the party filing the pleading. However, due to the time required to file
the pleading, the verification is signed by counsel in this matter. Should the verification of the
party be required, the Defendant will be happy to provide such upon further inquiry.
The undersigned understand that the statements herein are made subject to the penalties of 18
Pa. C.S.A. Section 4904 relating to unsworn falsification to authorities.
0, 114,-.0,/u/
Robert D. Klingensmith, Esq.
Attorney for Defendant
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CITIBANK, N.A.
Plaintiff
v.
DEBORAH M. SNYDER
Defendant
•
•
•
CIVIL ACTION -LAW
NO: 12 -476 -CIVIL
CERTIFICATE OF SERVICE
I served this Answer and Discovery Requests by U.S. Mail, postage prepaid, at 1835
Market Street, Suite 501, Philadelphia, PA 19103 on Syretta Martin, Esquire, of Blatt,
Hasenmiller, Leibsker & Moore, LLC, the Attorney for the Plaintiff, Citi Bank on September 12,
2014.
I declare under penalty of perjury that this information is true.
Date: September 12, 2014
Server's Signature
Gretchen Giles — Legal Assistant
Printed Name and Title
Harold Shepley & Associates, LLC
209 West Patriot St.
Somerset, PA 15501
Server's Address
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CITIBANK, N.A.
Plaintiff CIVIL ACTION - LAW
v. NO. 12-476 Civil
DEBORAH M. SNYDER
Defendant
CERTIFICATE OF SERVICE
I served this Argument Notice by U.S. Mail, postage prepaid, at 1835 Market
Street, Suite 501, Philadelphia, PA 19103 on Syretta Martin, Esq., the attorney for the
Plaintiff, Citibank, N.A. on September 11, 2014.
I declare under penalty of perjury that this information is true.
Date: September 11, 2014
Server's Signature
Gretchen Giles- Legal Assistant
Printed Name and Title
Harold Shepley & Assoc., LLC
209 West Patriot St.
Somerset, PA 15501
Server's Address
•
Blatt, Hasenmiller, Leibsker & Moore, LLC
CHRISTOPHER A. TITDS ID# 315746
1835 Market Street, Suite 501
Philadelphia, PA 19103
800-850-1079
Attorney for Plaintiff
CITIBANK, N.A.
c//o Blatt, Hasenmiller, Leibsker & Moore, LLC
Plaintiff,
vs.
DEBORORAH M. SNYDER
Defendant(s).
IN THE COURT OF COMMON PLEAS
C7 r•3
c
-0 a
mCZ
CIVIL ACTION
c-_-;
c,
n �=
CUMBERLAND COUNTY, PA
NO: 12-476
---1
--c L.o
cn
PRAECIPE TO ATTACH
TO THE PROTHONOTARY:
Kindly affix the attached Plaintiff's Notice to Defend to Plaintiff's Second Amended
Complaint filed previously with this Court.
Respectfully sub itted,
1
Christopher A. Titus, Esquire
Attorney for Plaintiff
Blatt, Hasenmiller, Leibsker & Moore, LLC
CHRISTOPHER A. TITUS ID# 315746
1835 Market Street, Suite 501
Philadelphia, PA 19103
800-850-1079
Attorney for Plaintiff
CITIBANK, N.A.
cl/o Blatt, Hasenmiller, Leibsker & Moore, LLC
Plaintiff,
vs.
DEBORORAH M. SNYDER
Defendant(s).
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
CIVIL ACTION
NO. 12-476
CERTIFICATE OF SERVICE
I, Christopher A. Titus, as attorney filing the attached pleading, hereby certify that I
mailed an exact copy of the attached pleading to the party(ies) below at the address indicated by
U.S. Mail first class postage prepaid, unless otherwise stated below.
James Vincent Natale, Esq.
209 W. Patriot St.
Somerset, PA 15501
Christopher A. Titus
Blatt, Hasenmiller, Leibsker & Moore, LLC
1835 Market Street, Suite 501
Philadelphia, PA 19103
800-850-1079
Attorney for Plaintiff,
CITIBANK, N.A.
CITIBANK, N.A.
c/o Blatt, Hasenmiller, Leibsker & Moore, LLC
1835 Market Street, Suite 501
Philadelphia, PA 1 91 03
Plaintiff,
vs.
DEBORAH M SNYDER
5 PAMELA PL
MECHANICSBURG PA 17050-1773
Defendant.
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
CIVIL ACTION
No. 12 -476 -CIVIL
NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the claims set forth in the following pages,
you must take action within twenty (20) days after this complaint and notice are served, by entering a
written appearance personally or by attorney and filing in writing with the court your defenses or
objections to the claims set forth against you. You are warned that if you fail to do so the case may
proceed without you and a judgment may be entered against you by the court without further notice for
any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may
lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A
LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN
PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE
YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO
ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYER REFERRAL SERVICE
32 SOUTH BEDFORD STREET
CARLISLE, PA 1 701 3
800-990-9108
226
P66PTNP35RAI (04/24/2014)
111111111 11111 11111111110111111 11111 11111 11111 11111 11111 11111 1111111 11 1111
AVISO
Le han demandado a usted en Ia corte. Si usted quiere defen derse de estas demandas expuestas en las
paginas siguientes, usted tiene veinte dias de plazo al partir de Ia fecha de Ia demanda y Ia notificacion.
Hase falta ascentar una comparencia escrita o en persona o con un aboga do y entregar a la corte en forma
escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisa do que si usted no
se de fiende Ia corte tomara medidas y puede continuar la demanda en contra suva sin previo aviso o
notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con
todas las provisiones de esta demanda. Usted puede perder dinero o sus propieda des u otros derechos
importantes para usted.
LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO 0 SI
NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA 0
LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO
PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL.
SERVICIO DE REFERENCIP. LEGAL
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
800-990-9108
b JU�
VS.
. IN THE COURT OF COMMON PLEAS OF
. CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff : NO. G' l ll ( Ter; 406 2011
—040 644(k
Defendant
RULE 1312-1 The Petition for Appointment of Arbitrators shall be substantially in the
Following form:
PETITION FOR APPOINTMENT OF ARBITRATORS
TO THE HONORABLE, THE JUDGESlOF SAID COURT:
0 04//7- A . `C ► `� t1 `j , counsel for the laintif ofistelefit in the above
action (or actions), respectfully represents that:
1. The above -captioned action (or actions) is (are) at issue.
2. The claim of plaintiff in the action is $ 2 00 3_ 6'
The counterclaim of the defendant in the action is i(///f .
The following attorneys are interested in the case(s) as counsel or are otherwise disqualified to sit
as arbitrators:
3 - � /7nce✓'4 /JG�,{--�
WHEREFORE, your petitioner prays your Honorable Court to appoint three (3) arbitrators to
whom the case shall be submitted.
Respectfully submitted,
G„,,,A-b"Wa solid a*\
0_3* 1U-0(60
t_s5: 9...1,stSg1-1
ORDER OF COURT
AND NOW, , 200 , in consideration of the foregoing
petition, Esq., and
Esq., and Esq., are appointed arbitrators in the above
captioned action (or actions) as prayed for.
By the Court,
Kevin A. Hess, P.J.
Blatt, Hasenmiller, Leibsker & Moore, LLC
Kami S. Miller ID#78590
SYRETTA J. MARTIN ID#309370
CHRISTOPHER A. TITUS ID#315746
1835 Market Street, Suite 501
Philadelphia, PA 19103
800-850-1079
Attorney for Plaintiff
CITIBANK, N.A.
do Blatt, Hasenmiller, Leibsker & Moore, LLC
vs.
DEBORAH M. SNYDER
Plaintiff,
Defendant(s).
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
CIVIL ACTION
NO. 12-0476 CIVIL TERM
CERTIFICATE OF SERVICE
I, Christopher A. Titus, as counsel filing the attached pleading, hereby certify that I
mailed an exact copy of the attached to the party(ies) below at the address indicated by U.S. Mail
first class postage prepaid, unless otherwise stated below.
Robert Klingensmith, Esquire
Harold, Shepley & Assoc., LLC
209 West Patriot Street
Somerset, PA 15501
Christopher A. Titus Date
,, a
! 1 \\ ,
IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY,PENNSYLVANIA
c -t—t' 60—A (L /, A _ • : 4/�7 /�/ I
G
Plaintiff . NO. l ll ( Tetk, ` 6 20 rhe. ►I
VS. .
DM,C)Ve A Sv( Atc
Defendant
RULE 1312-1 The Petition for Appointment of Arbitrators shall be substantially in the
Following form:
PETITION FOR APPOINTMENT OF ARBITRATORS
TO THE HONORABLE,THE JUDGES OF SAID COURT:
CIit.- -(0 e Ler r /4.'t.`}U`j , counsel for the6git7f)bsfiilineletot in the above
action(or actions),respectfully represents that:
1. The above-captioned action(or actions)is(are)at issue. g
2. The claim of plaintiff in the action is$ 2, 1 6 3 g /
The counterclaim of the defendant in the action is 411/4' .
The following attorneys are interested in the case(s)as counsel or are otherwise disqualified to sit
as arbitrators: R.o .r3- V. O C�( e„(,5 M11 F
�jC� V;Ace,A UO --O- -Q-
WHEREFORE,your petitioner prays your Honorable Court to appoint three(3)arbitrators to
whom the case shall be submitted.
C�uv��'ba$SOS at
Respectfully submitted, lb`'►`A°
(.Nr,`51 (T r A - 4 s S .. �-
ORDER OF COURT
AND NOW, 0 • .._,A A 20py ,in onsiid`erra�tio 'fojffthe foregoing
petition, .! Arita 1.4.--) Esq.,and�� �2��LLv Z'
Esq.,and lila/Lk, Ci / Esq.,are appointed arbitrators in the above
captioned action(or actions)as prayed for.
C., r-..1
C c::,
By the Court -
3 .C- --,
i=
• a.". - C7 r'T:
= —4 _
evin A.Hess,P.J. (1)r" IN.)b L
r,skp{key A- Thus �� c= z
7wtC. AneeiefUCC41/r z;
Cit
C49p`16)s r .lid /0/a7/PI
�j�t
CITIBANK, N.A., : IN THE COURT OF COMMON PLEAS OF
Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA
: CIVIL ACTION — LAW
: NO. 12-0476 CIVIL
DEBORAH M. SNYDER,
Defendant
ORDER
AND NOW, this / Z day of January, 2015, the appointment of a Board of
Arbitrators in the above -captioned case is VACATED. Kathleen Shaulis, Esquire, Chairman,
shall be paid the sum of $50.00.
— Kathleen Shaulis, Esquire
/ Court Administrator
:rlm elpy
BY THE COURT,
rs„)
Blatt, Hasenmiller, Leibsker & Moore, LLC
Attorney for Plaintiff
1835 Market Street, Suite 501
Philadelphia, PA 19103
(215) 564-1567
CmBANK, N.A.
c/o Blatt, Hasenmiller, Leibsker & Moore, LLC :
1835 Market Street, Suite 501
Philadelphia, PA 19103
Plaintiff
v.
DEBORAH M SNYDER
5 PAMELA PL
MECHANICSBURG PA 17050-1773
Defendant
-
r ..
ur..
��., 4i/Q:Qb
CQU/i J L
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
CIVIL ACTION - LAW
NO. 12 -476 -CIVIL
PRAECIPE TO SETTLE, DISCONTINUE AND END
TO THE PROTHONOTARY:
Kindly mark the above -captioned matter Settled, Discontinued and
DATED: January 2, 2015
BY:
Syretta Malrtin, Esq. PA Bar #309370
Frank Janello, Esq. PA Bar #315643
Beth Arnold Howell, Esq. PA Bar #203606
Kami S. Miller, Esq. PA Bar #78590
Christopher A. Titus, Esq. PA Bar #315746
Blatt, Hasenmiller, Leibsker & Moore, LLC
1835 Market Street, Suite 501
Philadelphia, PA 19103
TELE: 215-564-1567
FAX: 215-564-3818
2662635
PPTJSDEI (09/17/2014)
1111111111101 liii 11111 III 1111111111111111111111111111111 IHI! Illi IIII! Illi
Blatt, Hasenmiller, Leibsker & Moore, LLC
Attorney for Plaintiff
1835 Market Street, Suite 501
Philadelphia, PA 19103
215-564-1567
CITIBANK, N.A.
c/o Blatt, Hasenmiller, Leibsker & Moore, LLC
1835 Market Street, Suite 501
Philadelphia, PA 19103
Plaintiff,
vs.
DEBORAH SNYDER
5 PAMELA PL
MECHANICSBURG PA 17050-1773
Defendant(s).
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
CIVIL ACTION
12 -476 -CIVIL
CERTIFICATION OF SERVICE
I, do hereby certify that I sent a true and correct copy of the foregoing via U.S. Regular Mail,
to the Defendant(s) at the address below.
ROBERT KLINGENSMITH
209 WEST PATRIOT STREET
SOMERSET, PA 15501
Dated: //2-1
2662635
PPTNCOSI (09/18/2014)
Syretta Marti , sq. PA Bar #309370
Frank Janello, Esq. PA Bar #315643
Beth Arnold Howell, Esq. PA Bar #203606
Kami S. Miller, Esq. PA Bar #78590
Christopher A. Titus, Esq. PA Bar #315746
Blatt, Hasenmiller, Leibsker & Moore, LLC
1835 Market Street, Suite 501
Philadelphia, PA 19103
TELE: 215-564-1567
FAX: 215-564-3818