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Home My WebLink About12-0866NOTICE OF APPEAL COMMONWEALTH OF PENNSYLVANIA COURT OF COMMON PLEAS CUMBERLAND COUNTY JUDICIAL DISTRICT FROM DISTRICT JUSTICE JUDGMENT COMMON PLEAS No. ? 1 P' 4L, b t NOTICE OF APPEAL Notice is given that the appellant has filed in the above Court of Common Pleas an appeal from the judgment rendered by the District Justice on the date and in the case mentioned bOIow. 6 NAME: OF APPELLANT y - I MAO, DIET. NO. ON nwwa aar v.J• MERRICK BANK CORPORATION HAROLD A ADAMS 09-3-01 '- - CITY STATE j 2AP COOK ADDRESS OF APPELLANT 123 S Broad St Suite 1660 PhIladelphia PA 19109-1003 - DATE OF JUDGMENT IN THE CASK OF (Plaintiff) Defendant) i? 1-18-12 MERRICK BANK CORPORATION Yf CONSTANCE D HART CLAIM NO. fIGN^TURK OF APPELLANT OR HIS ATTORNEY OR AGENT C"V-289-11 Arthur Lashin, Esquire #23425 ?/ TA 20 ` J LT 20__ Attorney for Plaintiff (215) 928-14 ti This block will be signed ONLY when this notation is required under Pa. R.C.P.J.P. No. 10088. This Notice of Appeal when received by the District Justice, will operate as a SUPERSEDEAS to the judgment for possession in this case. Signature of Prothonotary or Deputy If appellant was Claimant (see Pa. R.C.P.J.P. No. 1001(6) in action before District Justice, he MUST FILE A COMPLAINT within twenty (20) days after filing his NOTICE of APPEAL. PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE (This section of form to be used ONLY when appellant was DEFENDANT (see Pa. R.C.P.J.P. No. 1001(7) in action before District Justice. IF NOT USED, detach from copy of notice of appeal to be served upon appellee). PRAECIPE: To Prothonotary Enter rule upon (Common Pleas No appellee(s), to file a complaint in this appeal Name of appellee(s) ? within twenty (20) days after service of rule or suffer entry of judgment of non pros. Signature of appellant or his attorney or agent RULE: To Name of appellees) appellee(s) (1) You are notified that a rule is hereby entered upon you to file a complaint in this appeal within twenty (20) days after the date of service of this rule upon you by personal service or by certified or registered mail. (2) If you do not file a complaint within this time, a JUDGMENT OF NON PROS WILL BE ENTERED AGAINST YOU. (3) The date of service of this rule if service was by mail is the date of mailing. Date 20 Signature of Prothonotary or Deputy AOPC 312.84 COURT FILE TO BE FILED WITH PROTHONOTARY 2012 FEB - 9 PM 11' 6 €UPENY V' S AIA a - 103. s0 Pa a CK-F4 Ili 3-Ros Q, t? a7 68 '? d La&ki?v PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT (This proof of service MUST BE FILED WITHIN FIVE (5) DAYS AFTER filing the notice of appeal. Check applicable boxes) COMMONWEALTH OF PENNSYLVANIA COUNTY OF ss AFFIDAVIT: I hereby swear or affirm that I served [j a copy of the Notice of Appeal, Common Pleas No. upon the District Justice designated therein on (date of service) 20 _ by personal service L I by (certified) (registered) mail, sender's receipt attached hereto, and upon the appellee, (name) 20_______ ?_] by personal service by (certified) (registered) mail sender's receipt attached hereto ? and further that I served the Rule to File a Complaint accompanying the above Notice of Appeal upon the appellee(s) to whom the Rule was addressed on 20-' b y personal service by (certified) (registered) mail, sender's receipt attached hereto. SWORN (AFFIRMED) AND SUBSCRIBED BEFORE ME THIS DAY OF , 20 Signature of affiant Signature of official before whom affidavit was made Title of official My commission expires on 20 COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND Notice of Judgment/Transcript Civil Case Mag. Dist. No: MDJ-09-3-01 MDJ Name: Honorable Harold A Adams Address: 35 West Orange Street Shippensburg, PA 17257 Telephone: 717-532-7676 Merrick Bank Corporation C/O Law Offices of Hayt, Hayt & Landau, LLC Attorneys for Plaintiff 123 S Broad Street, Suite 1660 Philadelphia, PA 19109-1003 Disposition Summary Docket No MJ-09301-CV-0000289-2011 Judgment Summary Participant Constance D. Hart Merrick Bank Corporation Merrick Bank Corporation V. Constance D. Hart Q 3-3 P. '4- 5' Skf.PAr745 Docket No: MJ-09301 -CV-0000289-201 1 Case Filed: 12/16/2011 Plaintiff Defendant Disposition Disposition Date Merrick Bank Corporation Constance D. Hart Default Judgment for Plaintiff 01/18/2012 Joint/Several Liability $0.00 $0.00 Judgment Detail (*Post Judgment) In the matter of Merrick Bank Corporation vs judgment was awarded as follows: Individual Liability Amount $1,360.05 $1,360.05 $0.00 $0.00 Constance D. Hart on 1/18/2012 the disposition is Default Judgment for Plaintiff and Judament Component Joint/Several Liability Individual Liability Deposit Applied Amount Civil Judgment $0.00 $1,360.05 $1,360.05 Grand Total: $1,360.05 ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH THE PROTHONOTARY/CLERK OF COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF JUDGMENTITRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL. EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES, IF THE JUDGMENT HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE MAGISTERIAL DISTRICT JUDGE. UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A REQUEST FOR ENTRY OF SATISFACTION WITH THE MAGISTERIAL DISTRICT JUDGE IF THE JUDGMENT DEBTOR PAYS IN FULL, SETTLES, OR OTHERWISE COMPLIES WITH THE JUDGMENT. 1` Date Magisterial District Judge Adams 11` a(A? O ?t nt y s1?0yr _'E? ? vl Di rte``, certify that this is a true an correc copy o e recor o the proceedings containing the judgment. Date Magisterial District Judge Adams MDJS 315 Page 1 of 2 Printed: 01118/2012 2:56:34PM U ? I i l t f o lY) A-} ., r? ? 7 r `?''ts?s e(L -r LAW OFFICES OF HAYT, HAYT & LANDAU, LLC By: Arthur Lashin, Esquire Identification No. 23425 123 S. Broad Street Suite 1660 Philadelphia, PA 19109-1003 (215) 928-1400 OUR FILE NO. 399507 Attorney for Plaintiff MERRICK BANK CORPORATION 10705 SOUTH JORDON GATEWAY SOUTH JORDAN, UT 84095 Vs. CONSTANCE D HART 233 E KING ST APT 1 SHIPPENSBURG PA 17257 CIVIL ACTION "NOTICE "You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within 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 en- tered against you by the court without further notice for any mon- ey claimed in the complaint or for any other claim or relief request- ed by the plaintiff. You may lose money or property or other rights important to you. IF YOU CANNOT AFFORD TO HERE A LAWYEP 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 CUMBERLAND COUNTY BAR ASSOCIATION 32 S BEDFORD STREET CARLISLE PA, 17013 800-990-9108 CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION TERM. No. 2012-866 CIVIL "AVISO "Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las pgginas siguientes, usted tiene veinte (20) dias, de plazo at patir de to fecha de la demanda y la notificaci6n. Haoe falta asentar una comparencia escrita o an persona o con un abogado y entregar a la corte an forma escrita sus defenses o sus objeciones a las demandas an contra de su persona. Sea avisado qua si usted no se defiende, to oorte tomard medidas y puede continuar la demanda an contra suya sin previo aviso o notificaci6n. Ademds, la oorte puede decidir a favor del demandante y requiere qua usted cumpla con todas las provisions de esta demands. Usted puede perder dinero o sus propiedades u otros derechos importantes pare 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 O LLAME POR TELEFONO A LA OFICINA CUYA DIRECC16N SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. CIVIL ACTION 1. Plaintiff MERRICK BANK CORPORATION is a business entity securing or collecting debts, with offices located at: 10705 SOUTH JORDON GATEWAY, SOUTH JORDAN, UT 84095. 2. Defendant(s) CONSTANCE D HART is/are individual(s) residing at: 233 E KING ST APT 1, SHIPPENSBURG, PA 17257. 3. Upon application by Defendant(s) a Credit/Revolving Charge Account was established for Defendant(s), which was assigned account number ************3965. 4. Defendant(s) subsequently utilized the aforesaid account to make various purchases and/or receieve cash advances, thereby incurring payment obligations to Plaintiff and/or Plaintiff's predecessor in interest. 5. Defendant(s) defaulted by failing to adhere to repayment terms and in accordance therewith, the entire remaining balance became due and immediately payable. 6. As a consequence of the foregoing there is presently due and owing to Plaintiff by Defendant(s) the following amounts (see Exhibit "A"): Unpaid Balance: Interest: TOTAL DUE: $666.22 $618.83 1,285.05 7. Despite repeated demand by Plaintiff, Defendant(s) has/have failed and refused to pay the aforesaid sum. WHEREFORE, Plaintiff demands that judgment be entered against Defendant(s) in favor of Plaintiff in the amount of $1,285.05 together with interest and costs. r LAW OFFICES OF HAYT, HAYT & LANDAU, L ?r -t By. ARTHUR LASHIN 23425 Attorney for Plaintiff Send Payments to: MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 CONSTANCE D HART 800 RITNER HWY SHIPPENSBURG PA 17257-9550 111III111I11I1111JI I111II1I11 [ilia 110I1II111II111II111I1I11 412061305516396500003300000899958 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $34.97 Minimum Amount Due $33.00 Billing Cycle Closing Date 12/12/06 Transactions $190.96 Payment Due Date 01/06/07 Days In Billing Cycle 32 FINANCE CHARGE $24.27 Credit Limit $900.00 Previous Balance $719.69 New Balance $899.95 Available Credit None Transactions, Payments and Credits 6724 Trans Date Post Date Item Description Amount 11/17 11/17 2445501NH42QN14GG WAL-MART #5358 SHIPPENSBURG PA 56.16 11/17 11/17 2425802NKWGNAJRG8 CHINA HOUSE SHIPPENSBURG PA 6.35 11/18 11/18 2422638NJAFT90WO5 WM SUPERCENTER SHIPPENSBURG PA 3.04 11/19 11/19 2476197NL803W2NXX FUDDRUCKERS #612 CHAMBERSBURG PA 32.90 11/20 11/20 243990ONMSF97LDHQ KMART 00097691 SHIPPENSBURG PA 27.61 11/19 11/21 7476197NL803W2NZJ FUDDRUCKERS #612 CHAMBERSBURG PA 4.97 - 11/24 11/24 2469216NR001XBEGA COLLECTIONS ETC., INC. 620-584-8000 IL 32.97 11/25 11/25 244450ONSJWQHLGRH TURKEY HILL #283 Q69 SHIPPENSBURG PA 20.00 11/30 11/30 7412061NYOOXTMKFE ONLINE PAYMENT-THANK YOU SOUTH JORDAN UT 30.00 - 12/05 12/05 2473309P360PLTSITY KATHY'S DELI SHIPPENSBURG PA 5.93 12/12 12/12 F554900PA000CYLAC ANN FEE-MNTHLY 01/07 THROUGH 01/07 6.00 PERIODIC *FINANCE CHARGE* PURCHASES $24.27 CASH ADVANCE $0.00 24.27 ** YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $6.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." ** SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION** Cardholder News THERE ARE 3 NATIONAL CREDIT BUREAUS THAT COLLECT INFORMATION ABOUT YOU. WHILE YOU MIGHT ASSUME THAT YOUR 3 CREDIT REPORTS LOOK EXACTLY ALIKE, THEY CAN ACTUALLY DIFFER SIGNIFICANTLY. WITH TRUECREDIT'S 3-IN-1 CREDIT REPORT, YOU'LL SEE DATA FROM ALL 3 BUREAUS IN 1 EASY-TO-READ ONLINE REPORT. FIND OUT MORE TODAY! VISIT US AT WWW.MERRICKBANK.COM/TRUECREDIT.ASPX. THE YEAR IS QUICKLY WINDING DOWN. USE YOUR MERRICK BANK CARD TO TAKE CARE OF ALL OF THOSE LITTLE THINGS YOU STILL NEED TO DO--HOLIDAY SHOPPING, DONATIONS, REPAIRS AND PAYING UNEXPEC- TED EXPENSES. REMEMBER, YOU CAN MANAGE YOUR ACCOUNT, PAY YOUR BILL ONLINE, AND MUCH MORE AT WWW.MERRICKBANK.COM. THANK YOU FOR YOUR PATRONAGE. HAPPY HOLIDAYS AND HAPPY NEW YEAR. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322, outside U.S. call: 1-516-224-1762 EXHIBIT A www.MerrickBank.com See "Error Resolution Notice" on Reverse t t MERMCK B ANK MEMBER FD I C VISA Send Payments to: Statement Date: 10114/08 Account Number: 4120 6130 5516 3965 Page 1 of 1 New Balance Past Due Amount Minimum Amt. Dus Payment Due Date write in Amount Of Payment Enclosed $1,360.05 $313.00 $374.00 11/08/08 $ Mastzr:,xd ? New Address or email? Print on back. MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 inrii urilin lr iin nli rl1i1l1iu1i ui1inliiniri nliiiilui CONSTANCE D HART sass 800 RITNER HWY SHIPPENSBURG PA 17257-9550 illl iiill lilli li lilill ll llili lllil illil iliil 111 it ll lit llill lli 412061305516396500037400001360057 To make a payment by mail, insert the lop portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) Is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $0.00 Minimum Amount Due $374.00 Billing Cycle Closing Date 10/14/08 Transactions $6.00 Payment Due Date 11/08/08 Days In Billing Cycle 33 FINANCE CHARGE $41.53 Credit Limit $900.00 Previous Balance $1,312.52 New Balance $1,360.05 Available Credit None Transactions, Payments and Credits Trans Date Post Date Item Description Amount 10/14 10114 F554900MGOODCYLAC ANN FEE-MNTHLY 11108 THROUGH 11/08 6.00 PERIODIC 'FINANCE CHARGE' PURCHASES $41.53 CASH ADVANCE $0.00 41.53 " YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $6.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION" WANT TO ELIMINATE 50% OF YOUR DEBT? CALL 1-866-757-2654 FOR DETAILS ON SETTLING YOUR ACCOUNT BY PAYING ONLY HALF THE BALANCE OWED! Cardholder News YOUR ACCOUNT IS CURRENTLY UNDER DEFAULT PRICING AS DEFINED IN YOUR CARDHOLDER AGREEMENT AND PRICING APPENDIX. TO GET YOUR ACCOUNT OUT OF DEFAULT PRICING YOU NEED TO MAKE 6 CONSECUTIVE MONTHLY PAYMENTS FOR THE ENTIRE MINIMUM AMOUNT DUE EACH MONTH. ONCE YOU DO THIS, YOUR ACCOUNT MAY BE MOVED BACK TO REGULAR PRICING. ANY QUESTIONS, CALL US TOLL FREE AT 1-800.253-2322. DONT BE ONE OF THE 9.9 MILLION VICTIMS OF IDENTITY THEFT EACH YEAR. IDENTITY THEFT IS THE FASTEST GROWING CRIME IN AMERICA. PROTECT YOURSELF AND YOUR GOOD CREDIT TODAY! TO SIGN UP, GO TO W W W.MERRICKBANK.COM/TRUECREDIT.ASPX. GET UP TO $150,000 OF TERM LIFE INSURANCE. NO MEDICAL EXAMS, NO COMPLICATED FORMS TO FILL OUT! MERRICK BANK CUSTOMERS GET GREAT RATES THAT ARE GUARANTEED FOR 10 YEARS! COVERAGE THROUGH GARDEN STATE LIFE A NATIONAL LEADER OF AFFORDABLE, NO HASSLE LIFE INSURANCE. CALL TOLL FREE AT 1-800-783.4173 OR GO TO W W W.MERRICKBANK.COM/BENEFITS/LIFEGARD.ASPX. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 www.MerrickBank.com c.... c..... ose..r..H.... Wr.1ir• n Rn Type of credit to which rates apply Balance on Whits Finance Charge Applied Daily Periodic Rate' Nominal Annual Percentage Rates NNUAL PERCENTAGE RATES PURCHASES $1,312.52 .09589% 35.00% 35.00% CASH ADVANCES $0.00 .09589% 35.00% 35.00% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. -PERIODIC RATES MAY VARY. EXHIBIT A 5242 0001 ZRD 1 7 8 081014 E X Page 1 oft 5549 3000 RP59 01AS5242 5959 t t MMRMCK $ ANK VISA Send Payments to: Statement Date: 09/11/08 Account Number: 4120 6130 5516 3965 Pagel of 1 Now Balance Past Due Amount Minimum Amt. Due Payment Due Date Writs In Amount Of Payment Enclosed $1,312.52 $254.00 $313.00 10106/08 $ Mas[crLafd ? New Address or email? Print on back. MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 ilniirnuiNiliirlnrililiriliarirririnliinirinriiiirNi CONSTANCE D HART 5954 800 RITNER HWY SHIPPENSBURG PA 17257-9550 ilrruirr tills ri tit irirrtu ti t,rir ilrir it uttt ntrt nirritl tti 412061305516396500031300001312528 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $0.00 Minimum Amount Due $313.00 Billing Cycle Closing Date 09/11/08 Transactions $6.00 Payment Due Date 10/06/08 Days In Billing Cycle 30 FINANCE CHARGE $36.53 Credit Limit $900.00 Previous Balance $1,269.99 New Balance $1,312.52 Available Credit None Transactions, Payments and Credits Trans Date Post Date Item Description Amount 09/11 09/11 F55490OLF000CYLAC ANN FEE-MNTHLY 10/08 THROUGH 10/08 6.00 PERIODIC 'FINANCE CHARGE' PURCHASES $36.53 CASH ADVANCE $0.00 36.53 •• YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $6.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." '• SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION" YOUR ACCOUNT IS 150 DAYS DELINQUENT. CONTACT US AT 1-877-487-5596 TO MAKE PAYMENT ARRANGEMENTS OR WE WILL PURSUE OTHER COLLECTION OPTIONS. Cardholder News YOUR ACCOUNT IS CURRENTLY UNDER DEFAULT PRICING AS DEFINED IN YOUR CARDHOLDER AGREEMENT AND PRICING APPENDIX. TO GET YOUR ACCOUNT OUT OF DEFAULT PRICING YOU NEED TO MAKE 6 CONSECUTIVE MONTHLY PAYMENTS FOR THE ENTIRE MINIMUM AMOUNT DUE EACH MONTH. ONCE YOU DO THIS, YOUR ACCOUNT MAY BE MOVED BACK TO REGULAR PRICING. ANY QUESTIONS, CALL US TOLL FREE AT 1-800.253-2322. HAVE YOU LOOKED AT YOUR CREDIT REPORT LATELY? DON'T BE SURPRISED! ITS A GOOD IDEA TO MONITOR WHAT'S IN YOUR CREDIT REPORT REGULARLY. ORDER YOUR 3-IN-1 CREDIT REPORT AND SEE INFORMATION FROM THREE MAJOR CREDIT BUREAUS IN ONE SIMPLE REPORT. TO ORDER, GO TO WWW.MERRICKBANK.COM/TRUECREDIT.ASPX. SPECIAL OPPORTUNITY FOR MERRICK BANK CUSTOMERS-GET GREAT RATES GUARANTEED FOR 10 YEARS ON TERM LIFE INSURANCE FROM GARDEN STATE LIFE-A NATIONAL LEADER OF AFFORDABLE, NO-HASSLE LIFE INSURANCE. PROTECT YOUR FAMILY WITH UP TO $150,000 OF TERM LIFE INSURANCE. CALL TOLL-FREE 1.800-783-4173 OR GO TO W W W.MERRICKBANK.COM/BENEFITS/LI FEGARD.ASPX. TO APPLY. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 www.MerrickBank.com e..e rre..... oe ..L.Bnn untie n Rn Wren Type of credit to which rates apply Balance on Which Finance Charge Applied Daily Periodic Rate* Nominal Annual Percentage Rate. ANNUAL PERCENTAGE RATES PURCHASES $1,269.99 .09589% 35.00% 35.00% CASH ADVANCES $0.00 .09589% 35.00% 35.00% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE EXHIBIT A CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. 'PERIODIC RATES MAY VARY. 5242 0001 ZRD 1 7 8 080911 X Page 1 of 1 5549 3000 RP59 OIAS5242 5954 t ` MERMCK $ADNK MEMBER FIC VISA Send Payments to: Statement Date: 08112/08 Account Number: 4120 6130 5516 3965 Page 1 of 1 Now Balance Past Due Amount Minimum Amt. Due Payment Due Date Write in Amount Of Payment Enclosed $1,269.99 $197.00 $254.00 09/06/08 $ MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 itttutnu?nitutttlatititititttittititttutti,itttnnttti or email? Print on back. CONSTANCE D HART 6112 800 RITNER HWY SHIPPENSBURG PA 17257-9550 intuitttittitititititttutitttitittititutltntttntttititti 412061305516396500025400001269997 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $0.00 Minimum Amount Due $254.00 Billing Cycle Closing Date 08/12/08 Transactions $45.00 Payment Due Date 09/06/08 Days In Billing Cycle 29 FINANCE CHARGE $33.29 Credit Limit $900.00 Previous Balance $1,191.70 New Balance $1,269.99 Available Credit None Transactions, Payments and Credits Trans Date Post Date Item Description Amount 08/12 08/12 F554900KH000CYLAC ANN FEE-MNTHLY 09108 THROUGH 09/08 6.00 08/09 08/09 LATE FEE 39.00 PERIODIC `FINANCE CHARGE' PURCHASES $33.29 CASH ADVANCE $0.00 33.29 " YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $6.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." " SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION" YOUR ACCOUNT IS 120 DAYS DELINQUENT. CONTACT US AT 1-877487.5596 TO MAKE PAYMENT ARRANGEMENTS, OR WE WILL BE FORCED TO TAKE OTHER ACTIONS. Cardholder News STOP OTHERS FROM LOOKING AT YOUR TRANSUNION CREDIT REPORT AND PREVENT IDENTITY THIEVES FROM GETTING CREDIT IN YOUR NAME. WITH TRUECREDIT LOCK, YOU'RE IN CONTROL OF YOUR INFORMATION- LOCK AND UNLOCK ACCESS TO YOUR CREDIT FILE. TO LEARN MORE OR TO ENROLL, GO TO WWW.MERRICKBANK.COMITRUECREDIT.ASPX. GET AFFORDABLE TERM LIFE INSURANCE-UP TO $150,0001 GREAT RATES GUARANTEED FOR 10 YEARS! AFFORDABLE WAY TO PROTECT YOUR FAMILY-NO MEDICAL EXAMS AND NO COMPLICATED FORMS TO FILL OUT! CALL TODAY TOLL-FREE 1-800.783-4173 OR VISIT US ONLINE AT WWW.MERRICKBANK.COM/BENEFITSILIFEGARD.ASPX. COVERAGE PROVIDED BY GARDEN STATE LIFE. To ensure quality service, phone calls may be randomly selected for monitoring or rewrding. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 www.MorrickBank.com .at.. u..at....n .... De..n?en Type of credit to which rates apply Balance on which Finance Charge Applied Daily Periodic Rate' Nominal Annual Percentage Rates AN AL PERCENTAGE RATES PURCHASES $1,197.07 .09589% 35.00% 35.00% CASH ADVANCES $0.00 .09589% 35.00% 35.00% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE *T CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. 'PERIODIC RATES MAY VARY. EX?IIB ¦ 1 A 5242 0004 ZRD 1 7 8 080812 X Page t oft 5549 3000 RP59 OIAS5242 6112 MMRMCK $ ANK VISA Send Payments to: MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 1 11111111111 Pill 11111111111 e Date Of Payment Enclosed 0e $ I] New Address or email? Print on back. CONSTANCE D HART 6064 800 RITNER HWY SHIPPENSBURG PA 17257-9550 412061305516396500019700001191705 To make a payment by mail, insert the top portion In the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise Indicated. Account Number 4120 6130 5516 3965 Payments and Credits $0.00 Minimum Amount Due $197.00 Billing Cycle Closing Date 07114/08 Transactions $45.00 Payment Due Date 08/08/08 Days In Billing Cycle 33 FINANCE CHARGE $35.46 Credit Limit $900.00 Previous Balance $1,111.24 New Balance $1,191.70 Available Credit None Transactions, Payments and Credits Trans Date Post Date Item Description Amount 07/14 07114 F554900JLOOGCYLAC ANN FEE-MNTHLY 08108 THROUGH 08/08 6.00 07/07 07/07 LATE FEE 39.00 PERIODIC 'FINANCE CHARGE' PURCHASES $35.46 CASH ADVANCE $0.00 35.46 •` YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $6.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT.'' "SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION'' YOUR ACCOUNT IS PAST DUE. IF A PAYMENT IS NOT RECEIVED SOON, WE MAY PURSUE OTHER COLLECTION OPTIONS. CONTACT US AT 1-877-487-5596 TODAY. Cardholder News XXXXXXXXXXXX IMPORTANT CHANGE IN TERMS NOTICE XXXXXXXXXXXXX WE ARE REVISING THE TERMS OF THE CARDHOLDER AGREEMENT THAT GOVERNS THE USE OF YOUR MERRICK BANK VISAO OR MASTERCARD® CREDIT CARD ACCOUNT. CHANGES ARE EFFECTIVE ON SEPTEMBER 1, 2008 (THE 'EFFECTIVE DATE-). YOUR CARDHOLDER AGREEMENT IS AMENDED AS SET FORTH BELOW: SECTIONS 12 AND 13 OF THE AGREEMENT, TITLED -PERIODIC RATE FOR PURCHASES' AND "PERIODIC RATE FOR CASH ADVANCES' ARE BEING CHANGED AS FOLLOWS: ANY REFERENCE TO'THREE CONSECUTIVE BILLING CYCLES' IS BEING CHANGED TO 'SIX CONSECUTIVE BILLING CYCLES." Statement Date: 07/14/08 Account Number: 4120 6130 5516 3965 Page 1 of 1 New Balance Past Due Amount Minimum Amt. Due Write In Amount Payment Du $1,191.70 $143.00 $197.00 081081 YOU MAY AVOID HAVING THESE NEW TERMS APPLY TO YOUR ACCOUNT BY PAYING YOUR ENTIRE BALANCE AND CLOSING YOUR ACCOUNT DURING THE CURRENT BILLING CYCLE. THESE TERMS ARE BEING CHANGED FOR REASONS UNRELATED TO YOUR ACCOUNT STATUS, CREDIT HISTORY OR CONSUMER REPORTS. XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 www.MerrickBank.com Saa "F- Roanhdinn Nntlea" nn Ravama Type of credit to which rates aDDly Balance on Which Finance Charge Applied Daily Periodic Rate' Nominal Annual Percentage Rates ANNUAL PERCENTAGE RATES PURCHASES $1,120.69 .09589% 35.00% 35.00% CASH ADVANCES $0.00 .09589% 35.00% 35.00% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. -PERIODIC RATES MAY VARY. EXHIBI T A 5242 0004 ZRD 1 7 8 080714 X Page 1of1 5549 3000 RP59 OIAS5242 6064 MERWCK $ NK MEMBER C VISA Send Payments to: MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 illlilllliiillillllllllilililililllillillllliillillllliiiillll MasferGvd ? New Address or email? Print on back. CONSTANCE D HART 6027 800 RITNER HWY SHIPPENSBURG PA 17257-9550 iluilini 1 111111 1111 nirilililin11111 11111 11111 11 11111111111 412061305516396500014300001111244 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $0.00 Minimum Amount Due $143.00 Billing Cycle Closing Date 06/11/08 Transactions $45.00 Payment Due Date 07/06/08 Days In Billing Cycle 30 FINANCE CHARGE $29.99 Credit Limit $900.00 Previous Balance $1,036.25 New Balance $1,111.24 Available Credit None Transactions, Payments and Credits Trans Date Post Date Item Description Amount 06/11 06111 F554900HK000CYLAC ANN FEE-MNTHLY 07/08 THROUGH 07108 06107 06/07 LATE FEE PERIODIC 'FINANCE CHARGE` PURCHASES $29.99 CASH ADVANCE $0.00 •• YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $6.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION" YOUR ACCOUNT IS SERIOUSLY DELINQUENT. PLEASE SEND YOUR PAYMENT IMMEDIATELY. Cardholder News YOUR ACCOUNT IS CURRENTLY UNDER DEFAULT PRICING AS DEFINED IN YOUR CARDHOLDER AGREEMENT AND PRICING APPENDIX. TO GET YOUR ACCOUNT OUT OF DEFAULT PRICING YOU NEED TO MAKE 3 CONSECUTIVE MONTHLY PAYMENTS FOR THE ENTIRE MINIMUM AMOUNT DUE EACH MONTH. ONCE YOU DO THIS, YOUR ACCOUNT MAY BE MOVED BACK TO REGULAR PRICING. ANY QUESTIONS, CALL US TOLL FREE AT 1-800-253-2322. PAYMENT PROTECTION FOR WHEN LIFE THROWS YOU LITTLE CURVES! HAVE AUTOMATIC MONTHLY BENEFIT PAYMENTS MADE TO YOUR ACCOUNT IF YOU LOSE YOUR JOB, BECOME DISABLED OR HOSPITALIZED, BUY A HOME, GET MARRIED OR DIVORCED, HAVE A BABY AND MORE! CALL 866-940-PAYS (7297) OR VISIT WWW.MERRICKBANKPAYS.COM TO GET MORE INFORMATION AND TO SIGN UP! SPECIAL OPPORTUNITY FOR MERRICK BANK CUSTOMERS-GET GREAT RATES GUARANTEED FOR 10 YEARS ON TERM LIFE INSURANCE FROM GARDEN STATE LIFE-A NATIONAL LEADER OF AFFORDABLE, NO-HASSLE LIFE INSURANCE. PROTECT YOUR FAMILY WITH UP TO $150,000 OF TERM LIFE INSURANCE. CALL TOLL-FREE 1.800-7834173 OR GO TO W W W.MERRICKBANK.COM/BENEFITS/LIFEGARD.ASPX. TO APPLY. HAVE YOU LOOKED AT YOUR CREDIT REPORT LATELY? DONT BE SURPRISED! ITS A GOOD IDEA TO MONITOR WHATS IN YOUR CREDIT REPORT REGULARLY. ORDER YOUR 3-IN-1 CREDIT REPORT AND SEE INFORMATION FROM THREE MAJOR CREDIT BUREAUS IN ONE SIMPLE REPORT. TO ORDER, GO TO WWW.MERRICKBANK.COMfTRUECREDIT.ASPX. Statement Date: 06111108 Account Number: 4120 6130 5516 3965 Page 1 of i New Balance Past Due Amount Minimum Amt. Due Payment Due Date Write In Amount Of Payment Enclosed $1,111.24 $92.00 $143.00 07/06108 $ To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 www.MorrickBank.com Type of credit to which rates apply Balance on Which Finance Charge Applied Daily Periodic Rate* Nominal Annual Percentage Rates ANNUAL PERCENTAGE RATES PURCHASES $1,042.75 .09589% 35.00% 35.00% CASH ADVANCES $0.00 .09589% 35.00% 35.00% 6.00 39.00 29.99 ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. 'PERIODIC RATES MAY VARY. F `R T Wrr 5242 0001 ZRD 1 7 8 080611 X Page 1 of 1 5549 3000 RP59 01AS5242 6027 r MEPMCK B ANK MEMBER FDIC VISA Statement Date: 05/12/08 Account Number: 4120 6130 5516 3965 Page 1 of 2 New Balance Past Due Amount Minimum Amt. Due Payment Due Date Write In Amount Of Payment Enclosed $1,036.25 $44.00 $92.00 06/06/08 $ Masrrrt. and ? New Address or email? Print on back. Send Payments to: MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 IIU 111 11 111111111111 111111 [Bill CONSTANCE D HART 35984 800 RITNER HWY SHIPPENSBURG PA 17257-9550 111111111111IIIIIIII11111111111111111111111111111111111111111i 412061305516396500009200001036259 To make a payment by mail, Insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a mi nus sign (-) Is a credit balance unless otherwise indicated. Account Number 4 120 6130 5516 3965 Payments and Credits $0.00 Minimum Amount Due $92.00 Billing Cycle Closing Date 05112/08 Transactions $80.00 Payment Due Date 06/06/08 Days In Billing Cycle 31 FINANCE CHARGE $27.82 Credit Limit $900.00 Previous Balance $928.43 New Balance $1,036.25 Available Credit None Transactions, Payments and Credits Trans Date Post Date Item Description Amount 05/12 05/12 F55490OGM000CYLAC ANN FEE-MNTHLY 06108 THROUGH 06108 6.00 05112 05112 OVERLIMIT FEE 35.00 05/07 05/07 LATE FEE 39.00 PERIODIC 'FINANCE CHARGE' PURCHASES $27.82 CASH ADVANCE $0.00 27.82 •' YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $6.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." •• SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION" AN OVERLIMIT FEE WAS ASSESSED WHEN YOUR ACCOUNT BALANCE EXCEEDED THE ESTABLISHED CREDIT LIMIT ON 05/12/08. THIS IS A REMINDER YOUR ACCOUNT IS ONE PAYMENT PAST DUE. IF YOUR PAYMENT HAS BEEN MAILED, PLEASE DISREGARD THIS NOTICE. Cardholder News YOUR ACCOUNT IS CURRENTLY UNDER DEFAULT PRICING AS DEFINED IN YOUR CARDHOLDER AGREEMENT AND PRICING APPENDIX. TO GET YOUR ACCOUNT OUT OF DEFAULT PRICING YOU NEED TO MAKE 3 CONSECUTIVE MONTHLY PAYMENTS FOR THE ENTIRE MINIMUM AMOUNT DUE EACH MONTH. ONCE YOU DO THIS, YOUR ACCOUNT MAY BE MOVED BACK TO REGULAR PRICING. ANY QUESTIONS, CALL US TOLL FREE AT 1-800-253.2322. FIND OUT HOW TO PROTECT YOUR ACCOUNT AND YOUR CREDIT ... *IF YOU LOSE YOUR JOB *IF YOU ARE DISABLED OR HOSPITALIZED 'IF YOU PURCHASE A HOME, GET MARRIED OR DIVORCED, HAVE A BABY, ARE VICTIM OF IDENTITY THEFT AND MORE. CALL 866-940-7297 OR VISIT WWW,MERRICKBANKPAYS.COM TO SIGN UP! GET AFFORDABLE TERM LIFE INSURANCE-UP TO $150,0001 GREAT RATES GUARANTEED FOR 10 YEARS! AFFORDABLE WAY TO PROTECT YOUR FAMILY-NO MEDICAL EXAMS AND NO COMPLICATED FORMS TO FILL OUT! CALL TODAY TOLL-FREE 1-800-7834173 OR VISIT US ONLINE AT WWW.MERRICKBANK.COM/BENEFITSUFEGARD.ASPX. COVERAGE PROVIDED BY GARDEN STATE LIFE. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 www.MorrickBank.com Type of credit to which rates apply Balance on Which Finance Charge Applied Daily Periodic Rate' Nominal Annual Percentage Rates ANNUAL PERCENTAGE RATES PURCHASES $935.97 .09589% 35.00% 35.00% CASH ADVANCES $0.00 .09589% 35.00% 35.00% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCHFINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. 'PERIODIC RATES MAY VARY. EXHIRff A 5242 0001 ZRD 1 7 B 080512 X Page 1 of 2 5549 3000 RP59 01AS5242 35984 4 MERMCK $AnNK VISA Send Payments to: MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 InIIIm lllullllnull 11111 lllu tl Hill nlll ulr?nliiilull e Date Of Payment Enclosed 8 Is [] New Address or email? Print on back. CONSTANCE D HART 6228 800 RITNER HWY SHIPPENSBURG PA 17257-9550 IID111DI1n1111111t1DI1111u111111111t11nl11ul11ID1I1u1 412061305516396500004400000928432 To make a payment by mail, insert the top portion in the enc losed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (.) Is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $140.00 Minimum Amount Due $44.00 Billing Cycle Closing Date 04/11/08 Transactions $6.00 Payment Due Date 05/06/08 Days In Billing Cycle 30 FINANCE CHARGE $28.66 Credit Limit $900.00 Previous Balance $1,033.77 New Balance $928.43 Available Credit None Transactions, Payments and Credits Trans Date Post Date Item Description Amount 04104 04104 7412061 FF00XTMKF9 PHONE PAYMENT-THANK YOU SOUTH JORDAN UT 140.00 - 04/11 04/11 F55490OFN000CYLAC ANN FEE-MNTHLY 05/08 THROUGH 05/08 6.00 PERIODIC 'FINANCE CHARGE' PURCHASES $28.66 CASH ADVANCE $0.00 28.66 •' YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $6.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT.`' "SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION" YOUR "NEW BALANCE" INDICATES THAT YOUR ACCOUNT IS OVER ITS CREDIT LIMIT. PLEASE INCREASE YOUR MINIMUM PAYMENT BY THIS OVERLIMIT AMOUNT. Cardholder News YOUR ACCOUNT IS CURRENTLY UNDER DEFAULT PRICING AS DEFINED IN YOUR CARDHOLDER AGREEMENT AND PRICING APPENDIX. TO GET YOUR ACCOUNT OUT OF DEFAULT PRICING YOU NEED TO MAKE 3 CONSECUTIVE MONTHLY PAYMENTS FOR THE ENTIRE MINIMUM AMOUNT DUE EACH MONTH. ONCE YOU DO THIS, YOUR ACCOUNT MAY BE MOVED BACK TO REGULAR PRICING. ANY QUESTIONS, CALL US TOLL FREE AT 1-800-253-2322. GET UP TO $150,000 OF TERM LIFE INSURANCE. NO MEDICAL EXAMS, NO COMPLICATED FORMS TO FILL OUT! MERRICK BANK CUSTOMERS GET GREAT RATES THAT ARE GUARANTEED FOR 10 YEARS! COVERAGE THROUGH GARDEN STATE LIFE A NATIONAL LEADER OF AFFORDABLE, NO HASSLE LIFE INSURANCE. CALL TOLL FREE AT 1-800-783-4173 OR GO TO W W W.MERRICKBANK.COMBENEFITS/LIFEGARD.ASPX. DON'T BE ONE OF THE 9.9 MILLION VICTIMS OF IDENTITY THEFT EACH YEAR. IDENTITY THEFT IS THE FASTEST GROWING CRIME IN AMERICA. PROTECT YOURSELF AND YOUR GOOD CREDIT TODAY! TO SIGN UP, GO TO W W W. MERRICKBANK.COM/TRUECREDIT.ASPX. Statement Date: 04111/08 Account Number: 4120 6130 5516 3965 Pagel of 1 New Balance Past Due Amount Minimum Amt. Due n Write I Amount Payment Du $928.43 $0.00 $44.00 0510610 To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 www.MerrickBank.com c?....e...". o..e..t,.?1..., u..e..ew .... oe.,e.Qe Type of credit I. which robe apply Balance on Which Finance Charge Applied Daily Periodic Rate' Nominal Annual Percentage Rates ANNUAL PERCENTAGE RATES PURCHASES $996.43 .09589% 35.00% 35.00% CASH ADVANCES $0.00 .09589% 35.00% 35.00% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCHFINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. 'PERIODIC RATES MAY VARY. FXHIBIT A 5242 0001 ZRD 1 7 8 080411 0 Pagel or 1 5549 3000 RP59 01AS5242 6228 MERMCK BANK MEMBER FDIC VISA Send Payments to: MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 Irrrutllin Nil nirr iii li lil it l111i 11i 1illln 11i 1i n1uu111i 7-1 M?sterCartl ? New Address or email? Print on back. CONSTANCE D HART 6194 800 RITNER HWY SHIPPENSBURG PA 17257-9550 (rl1ui111i 11i 1il ll ili111u 1i 1f 1i1 irf i1 i1 u111 ulNntirill lli 412061305516396500013977001033774 To make a payment by mail, insert the top portion In the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $0.00 Minimum Amount Due $139.77 Billing Cycle Closing Date 03112/08 Transactions $80.00 Payment Due Date 04/06/08 Days In Billing Cycle 29 FINANCE CHARGE $25.95 Credit Limit $900.00 Previous Balance $927.82 New Balance $1,033.77 Available Credit None Transactions, Payments and Credits Trans Date Post Date Item Description Amount 03/12 03/12 F554900ERD000YLAC ANN FEE-MNTHLY 04/08 THROUGH 04/08 03/12 03/12 OVERLIMIT FEE 03/09 03/09 LATE FEE PERIODIC `FINANCE CHARGE` PURCHASES $25.95 CASH ADVANCE $0.00 YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $6.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." " SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION" AN OVERLIMIT FEE WAS ASSESSED WHEN YOUR ACCOUNT BALANCE EXCEEDED THE ESTABLISHED CREDIT LIMIT ON 02113/08. THIS IS A REMINDER YOUR ACCOUNT IS ONE PAYMENT PAST DUE. IF YOUR PAYMENT HAS BEEN MAILED, PLEASE DISREGARD THIS NOTICE. Cardholder News YOUR ACCOUNT IS CURRENTLY UNDER DEFAULT PRICING AS DEFINED IN YOUR CARDHOLDER AGREEMENT AND PRICING APPENDIX. TO GET YOUR ACCOUNT OUT OF DEFAULT PRICING YOU NEED TO MAKE 3 CONSECUTIVE MONTHLY PAYMENTS FOR THE ENTIRE MINIMUM AMOUNT DUE EACH MONTH. ONCE YOU DO THIS, YOUR ACCOUNT MAY BE MOVED BACK TO REGULAR PRICING. ANY QUESTIONS, CALL US TOLL FREE AT 1.800-253-2322. PLEASE REFER TO THE ENCLOSED INSERT ENTITLED "IMPORTANT CHANGES TO YOUR MERRICK BANK VISAS OR MASTERCARDS CARDHOLDER AGREEMENT' HAVE YOU LOOKED AT YOUR CREDIT REPORT LATELY? DON'T BE SURPRISED! IT'S A GOOD IDEA TO MONITOR WHAT'S IN YOUR CREDIT REPORT REGULARLY. ORDER YOUR 3-IN-1 CREDIT REPORT AND SEE INFORMATION FROM THREE MAJOR CREDIT BUREAUS IN ONE SIMPLE REPORT. TO ORDER, GO TO WWW.MERRICKBANK.COM/TRUECREDIT ASPX. SPECIAL OPPORTUNITY FOR MERRICK BANK CUSTOMERS-GET GREAT RATES GUARANTEED FOR 10 YEARS ON TERM LIFE INSURANCE FROM GARDEN STATE LIFE-A NATIONAL LEADER OF AFFORDABLE, NO-HASSLE LIFE INSURANCE. PROTECT YOUR FAMILY WITH UP TO $150,000 OF TERM LIFE INSURANCE. CALL TOLL-FREE 1-800-783.4173 OR GO TO W W W.MERRICKBANK.COM/BENEFITS/LIFEGARD.ASPX. TO APPLY. Statement Date: 03/12108 Account Number: 4120 6130 5516 3965 Page 1 of 1 New Balance Pest Due Amount Minimum Amt. Due Payment Due Date Write in Amount Of Payment Enclosed $1,033.77 $34.00 $139.77 04/06/08 $ To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 www.MerrickBank.com Type of credit to which rates apply Balance on Which Finance Charge Applied Dally Periodic Rate` Nominal Annual Percentage Rates ANNUAL PERCENTAGE RATES PURCHASES $933.19 .09589% 35.00% 35.00% CASH ADVANCES $0.00 .09589% 35.00% 35.00% 6.00 35.00 39.00 25.95 ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE. IS POSTED. 'PERIODIC RATES MAY VARY. ENHIBIT A 5242 0001 ZRD 1 7 8 080312 X Page i of 1 5549 3000 RP59 OIAS5242 6194 MERMCK B ANK MEMBER FDIC VISA Send Payments to: MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 11111111111111IIIII VIII VIII VIII IIIli/i 111111111111111 iii 111 Mast r ? New Address or email? Print on back. CONSTANCE D HART 6547 800 RITNER HWY SHIPPENSBURG PA 17257-9550 IIr11lIu 11111111111111111111111111111111IIu111r1111111111111 412061305516396500003400000927823 To make a payment by mail, insert the lop portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $142.00 Minimum Amount Due $34.00 Billing Cycle Closing Date 02/12108 Transactions $6.00 Payment Due Date 03108/08 Days In Billing Cycle 29 FINANCE CHARGE $28.12 Credit Limit $900.00 Previous Balance $1,035.70 New Balance $927.82 Available Credit None Transactions, Payments and Credits Trans Date Post Date Item Description Amount 02108 02/08 7412061 DPOOXTMKFB PHONE PAYMENT-THANK YOU SOUTH JORDAN UT 142.00 - 02/12 02112 F554900DV000CYLAC ANN FEE-MNTHLY 03/08 THROUGH 03108 6.00 PERIODIC 'FINANCE CHARGE' PURCHASES $28.12 CASH ADVANCE $0.00 28.12 YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $6.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION" YOUR "NEW BALANCE" INDICATES THAT YOUR ACCOUNT IS OVER ITS CREDIT LIMIT. PLEASE INCREASE YOUR MINIMUM PAYMENT BY THIS OVERLIMIT AMOUNT. Cardholder News YOUR ACCOUNT IS CURRENTLY UNDER DEFAULT PRICING AS DEFINED IN YOUR CARDHOLDER AGREEMENT AND PRICING APPENDIX. TO GET YOUR ACCOUNT OUT OF DEFAULT PRICING YOU NEED TO MAKE 3 CONSECUTIVE MONTHLY PAYMENTS FOR THE ENTIRE MINIMUM AMOUNT DUE EACH MONTH. ONCE YOU DO THIS, YOUR ACCOUNT MAY BE MOVED BACK TO REGULAR PRICING. ANY QUESTIONS, CALL US TOLL FREE AT 1-800-253-2322. STOP OTHERS FROM LOOKING AT YOUR TRANSUNION CREDIT REPORT AND PREVENT IDENTITY THIEVES FROM GETTING CREDIT IN YOUR NAME. WITH TRUECREDIT LOCK, YOU'RE IN CONTROL OF YOUR INFORMATION- LOCK AND UNLOCK ACCESS TO YOUR CREDIT FILE. TO LEARN MORE OR TO ENROLL, GO TO WWW.MERRICKBANK.COMrrRUECREDIT.ASPX. GET AFFORDABLE TERM LIFE INSURANCE-UP TO $150,0001 GREAT RATES GUARANTEED FOR 10 YEARS! AFFORDABLE WAY TO PROTECT YOUR FAMILY-NO MEDICAL EXAMS AND NO COMPLICATED FORMS TO FILL OUT! CALL TODAY TOLL-FREE 1-800-783-4173 OR VISIT US ONLINE AT WWW.MERRICKBANK.COM/BENEFITSA-IFEGARD.ASPX, COVERAGE PROVIDED BY GARDEN STATE LIFE. Statement Date: 02/12/08 Account Number: 4120 6130 5516 3965 Page 1 of 1 New Balance Past Due Amount Minimum Amt. Due Payment Due Date Write In Amount Of Payment Enclosed $927.82 $0.00 $34.00 03/08/08 $ To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 www.MerrickBank.com ce ^C.. . 0-i Wnfirn n Rsvnrsn Type of credit to which rate. apply Balance on which Finanu Charge Applied Daly Periodic Rate' Nominal Annual Percentage Rates ANNUAL PERCENTAGE RATES PURCHASES $1,011.21 .09589% 35.00% 35.00% CASH ADVANCES $0.00 .09589% 35.00% 35.00% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCHFINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE. IS POSTED. 'PERIODIC RATES MAY VARY. EXHIBIT A 5242 0004 ZRD 1 7 8 080212 0 Page 1 of 1 5549 3000 RP59 OIAS5242 6547 MEMUB K $ ANK VISA Send Payments to: MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 e Date Of Payment Enclosed 08 Is 0 New Address or email? Print on back. CONSTANCE D HART 6653 800 RITNER HWY SHIPPENSBURG PA 17257-9550 it Viii lllil ll lilil hill liili ll lilillllil lil lliil hill llililli 41206130551639650DD14170001D35705 To make a payment by mail, insert the top portion In the encl osed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) Is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $0.00 Minimum Amount Due $141.70 Billing Cycle Closing Date 01/14/08 Transactions $80.00 Payment Due Date 02/08/08 Days In Billing Cycle 33 FINANCE CHARGE $29.60 Credit Limit $900.00 Previous Balance $926.10 New Balance $1,035.70 Available Credit None Transactions, Payments and Credits Trans Date Post Date Item Description Amount 01114 01/14 F5549000YOOOCYLAC ANN FEE-MNTHLY 02/08 THROUGH 02108 6.00 01114 01114 OVERLIMIT FEE 35.00 01/07 01/07 LATE FEE 39.00 PERIODIC 'FINANCE CHARGE` PURCHASES $29.60 CASH ADVANCE $0.00 29.60 YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $6.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." " SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION" AN OVERLIMIT FEE WAS ASSESSED WHEN YOUR ACCOUNT BALANCE EXCEEDED THE ESTABLISHED CREDIT LIMIT ON 12113/07. THIS IS A REMINDER YOUR ACCOUNT IS ONE PAYMENT PAST DUE. IF YOUR PAYMENT HAS BEEN MAILED, PLEASE DISREGARD THIS NOTICE. Cardholder News YOUR ACCOUNT IS CURRENTLY UNDER DEFAULT PRICING AS DEFINED IN YOUR CARDHOLDER AGREEMENT AND PRICING APPENDIX. TO GET YOUR ACCOUNT OUT OF DEFAULT PRICING YOU NEED TO MAKE 3 CONSECUTIVE MONTHLY PAYMENTS FOR THE ENTIRE MINIMUM AMOUNT DUE EACH MONTH. ONCE YOU DO THIS, YOUR ACCOUNT MAY BE MOVED BACK TO REGULAR PRICING. ANY QUESTIONS, CALL US TOLL FREE AT 1-800.253-2322. DON'T BE ONE OF THE 9.9 MILLION VICTIMS OF IDENTITY THEFT EACH YEAR. IDENTITY THEFT IS THE FASTEST GROWING CRIME IN AMERICA. PROTECT YOURSELF AND YOUR GOOD CREDIT TODAY! TO SIGN UP, GO TO W W W.MERRICKBANK.COM/rRUECREDIT.ASPX. GET UP TO $150,000 OF TERM LIFE INSURANCE. NO MEDICAL EXAMS, NO COMPLICATED FORMS TO FILL OUTI MERRICK BANK CUSTOMERS GET GREAT RATES THAT ARE GUARANTEED FOR 10 YEARS! COVERAGE THROUGH GARDEN STATE LIFE A NATIONAL LEADER OF AFFORDABLE, NO HASSLE LIFE INSURANCE. QUICK 8 SIMPLE! CALL TOLL-FREE 1-800-783-4173 OR GO TO WWW.MERRICKBANK.COM/BENEFITS/LIFEGARD.ASPX. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service Call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 www.MorrickBank.com Soa "F nnr RnanLrfinn Nnfim" nn Rovorso Type of credit to which is. apply Balance on Which Francs Charge Applied Daly Periodic Rata' Nominal Annual Percentage Rates ANNUAL PERCENTAGE RATES PURCHASES $935.55 .09569% 35.00% 35.00% CASH ADVANCES $0.00 .09589% 35.00% 35.00% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. -PERIODIC RATES MAY VARY. E NIni IT A Statement Date: 01/14/08 Account Number: 4120 6130 5516 3965 Page 1 of t New Balance Past Due Amount Minimum Amt. Due write In Amount Payment Du $1,035.70 $34.00 $141.70 02/08/ 5242 0001 ZRD 1 7 8 080114 X Page 1of1 5549 3000 RP59 01AS5242 6653 r M RM K BADNK MEMBER FIC V11SA Send Payments to: MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 loll 11111111 11111111111111111111 D riniri Oliiflitil uiiiiuri e Date Of Payment Enclosed 08 Is [I New Address or email? Print on back. CONSTANCE D HART 6698 800 RITNER HWY SHIPPENSBURG PA 17257-9550 Illlillll ll lli lilil ili111l iti 111 i1 i11 illl ii111lillliilll lli 111 412061305516396500003400000926106 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a m inus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $160.00 Minimum Amount Due $34.00 Billing Cycle Closing Date 12/12/07 Transactions $6.00 Payment Due Date 01/06/08 Days In Billing Cycle 30 FINANCE CHARGE $27.43 Credit Limit $900.00 Previous Balance $1,052.67 New Balance $926.10 Available Credit None Transactions, Payments and Credits Trans Date Post Date Item Description Amount 12/07 12107 7412061AMOOXTMKFD PHONE PAYMENT-THANK YOU SOUTH JORDAN UT 160.00 - 12112 12/12 F554900AUODOCYLAC ANN FEE-MNTHLY 01/08 THROUGH 01/08 6.00 PERIODIC 'FINANCE CHARGE' PURCHASES $27.43 CASH ADVANCE $0.00 27.43 •• YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $6.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION" YOUR "NEW BALANCE" INDICATES THAT YOUR ACCOUNT IS OVER ITS CREDIT LIMIT. PLEASE INCREASE YOUR MINIMUM PAYMENT BY THIS OVERLIMIT AMOUNT. Cardholder News "WARNING" IF YOUR ACCOUNT GOES DELINQUENT AGAIN DURING THE NEXT SIX MONTHS, YOUR ACCOUNT MAY GO INTO DEFAULT PRICING AS DEFINED IN YOUR CARDHOLDER AGREEMENT AND PRICING APPENDIX. IF YOU HAVE ANY QUESTIONS, CALL US TOLL FREE AT 1-800-253-2322. THANK YOU. YOU MIGHT BE SURPRISED BY WHAT YOU FIND ON YOUR CREDIT REPORT. IF YOU THINK YOU HAVE NO CREDIT, THERE COULD BE AN OLD ACCOUNT YOU FORGOT ABOUT. IF YOU THINK YOU HAVE TERRIBLE CREDIT, THINGS COULD BE BETTER THAN YOU IMAGINE. ORDER YOUR 3-IN-1 CREDIT REPORT AND 3 CREDIT SCORES ONLINE TODAY! VISIT US AT WWW.MERRICKBANK.COM/TRUECREDIT.ASPX. BUYING LIFE INSURANCE FROM GARDEN STATE LIFE IS A SIMPLE AND AFFORDABLE WAY TO PROTECT YOUR FAMILY WITH UP TO $150,0001 THERE'S NO MEDICAL EXAM, NO COMPLICATED FORMS, AND NO SALES VISITS TO DEAL WITH. GREAT RATES ARE GUARANTEED TO STAY LEVEL FOR 10-YEARS. FIND OUT MORE BY CALLING 800-783-4173 OR VISIT US AT W W W.MERRICKBANK.COMIBENEFITS/LIFEGARD.ASPX. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 www.MorrickBank.com Coo ^Crrr.r Dnanl..?inn Nnfirn" nn Rnvnre:n Type of credit to which rates apply Balance on Which Finance Charge Applied Daily Periodic Rate' Nominal Annual Percentage Rates ANNUAL PERCENTAGE RATES PURCHASES $1,020.67 .08958% 32.70% 32.70% CASH ADVANCES $0.00 .09589% 35.00% 35.00% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCHFINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE. IS POSTED. -PERIODIC RATES MAY VARY. FIBIT A Statement Date: 12112/07 Account Number: 4120 6130 5516 3965 Page 1 of 1 Now Balance Past Due Amount Minimum Amt. Due Wdta In Amount Payment Du $926.10 $0.00 $34.00 01/06/ 5242 0001 ZRD 1 7 8 071212 0 Pagel of 1 5549 3000 RP59 OIAS5242 6698 MEWHI K $ ANK MEMBER FDIC VISA Send Payments to: Statement Date: 11112/07 Account Number: 4120 6130 5516 3965 Page 1 of 1 New Balance Past Due Amount Minimum Amt Due Payment Due Date Wrlb In Amount Of Payment Enclosed $1,052.67 $86.24 $158.67 12/07/07 $ IJ rvew nlIIulIII till [III III III or email? Print on back. MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 CONSTANCE D HART 6748 800 RITNER HWY SHIPPENSBURG PA 17257-9550 (n1???ul?n?tit?tll?nt??t?ut?l?n?1?1??nt??nt??ut?t?n? 412061305516396500015867001052676 To make a payment by mail, insert the lop portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a mi nus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $0.00 Minimum Amount Due $158.67 Billing Cycle Closing Date 11/12/07 Transactions $45.00 Payment Due Date 12/07/07 Days In Billing Cycle 31 FINANCE CHARGE $27.43 Credit Limit $900.00 Previous Balance $980.24 New Balance $1,052.67 Available Credit None Transactions, Payments and Credits Trans Date Post Date Item Description - - Amount 11/12 11/12 F5549009WODOCYLAC ANN FEE-MNTHLY 12107 THROUGH 12107 6.00 11107 11107 LATE FEE 39.00 PERIODIC 'FINANCE CHARGE' PURCHASES $27.43 CASH ADVANCE $0.00 27.43 •• YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $6.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." •• SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION- THIS IS A REMINDER YOUR ACCOUNT IS ONE PAYMENT PAST DUE. IF YOUR PAYMENT HAS BEEN MAILED, PLEASE DISREGARD THIS NOTICE. Cardholder News "WARNING" IF YOUR ACCOUNT GOES DELINQUENT AGAIN DURING THE NEXT SIX MONTHS, YOUR ACCOUNT MAY GO INTO DEFAULT PRICING AS DEFINED IN YOUR CARDHOLDER AGREEMENT AND PRICING APPENDIX. IF YOU HAVE ANY QUESTIONS, CALL US TOLL FREE AT 1-800-253-2322. THANK YOU. ENCLOSED IS MERRICK BANK'S 2007/2008 PRIVACY PLEDGE. PLEASE READ AND RETAIN IT FOR YOUR RECORDS. FOR ANY QUESTIONS, CONTACT US VIA THE WEB AT W W W.MERRICKBANK.COM OR CALL US TOLL FREE AT 1-800-253.2322, 24 HOURS A DAY, SEVEN DAYS A WEEK. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322, outside U.S. call: 1-516-224-1762 www.MorrickBank.com r2. .. D.. ..L.Ii.... IMI n D. Type of credit to which rates apply Balance on Which Finance Charlie Applied Daily Periodic Rate' Nominal Annual Percentage Rates ANNUAL PERCENTAGE RATES PURCHASES $987.78 .08958% 32.70% 32.70% CASH ADVANCES $0.00 .09589% 35.00% 35.00% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCHFINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. *PERIODIC RATES MAY VARY. 5242 OOD1 ZRD 1 7 8 071112 X Page i of 1 5549 3000 RP59 01AS5242 6748 - i -N a 1 ¦ Il i A MERMCK $ DNK MEMBER C Send Payments to: MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 Ill/ iirll iiill it lit lllli lit ililill lilli l?lll ll lli lilll iiiil lli I ua Date Of Payment Enclosed 07 $ [] New Address or email? Print on back. CONSTANCE D HART 6706 800 RITNER HWY SHIPPENSBURG PA 17257-9550 i111 iii111il ll lilll ilill liili ll lit it lilil lit rliil 11111 llirilli 412061305516396500008624000980244 To make a payment by mail, insert the top portion in the en closed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a wed8 balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $40.00 Minimum Amount Due $86.24 Billing Cycle Closing Date 10/12/07 Transactions $91.00 Payment Due Date 11/06/07 Days In Billing Cycle 29 FINANCE CHARGE $23.52 Credit Limit $900.00 Previous Balance $905.72 New Balance $980.24 Available Credit None Transactions, Payments and Credits Trans Date Post Date Item Description Amount 10/04 10/04 7412061 OMDOXTMKFB ONLINE PAYMENT-THANK YOU SOUTH JORDAN UT 40.00 - 10106 10/06 2444500BRO86FAJ16 TURKEY HILL #283 069 SHIPPENSBURG PA 50.00 10112 10112 F5549008X000CYLAC ANN FEE-MNTHLY 11/07 THROUGH 11107 6.00 10/12 10/12 OVERLIMIT FEE 35.00 PERIODIC 'FINANCE CHARGE' PURCHASES $23.52 CASH ADVANCE $0.00 23.52 " YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $6.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION" YOUR "NEW BALANCE" INDICATES THAT YOUR ACCOUNT IS OVER ITS CREDIT LIMIT. PLEASE INCREASE YOUR MINIMUM PAYMENT BY THIS OVERLIMIT AMOUNT. Cardholder News YOU MAY ALREADY KNOW THAT YOU HAVE A DIFFERENT CREDIT SCORE FROM EACH OF THE 3 NATIONAL CREDIT BUREAUS. BUT DID YOU KNOW THAT ON AVERAGE, EACH SCORE MAY VARY AS MUCH AS 40 POINTS? MANY LENDERS LOOK AT ALL 3 SCORES WHEN MAKING DECISIONS ABOUT YOUR LOANS. WITH TRUECREDIT, YOU'LL SEE HOW YOUR SCORES COMPARE! VISIT US AT WWW.MERRICKBANK.COMrTRUECREDIT.ASPX. GETTING AFFORDABLE LIFE INSURANCE JUST GOT EASIER! MERRICK BANK HAS TEAMED WITH GARDEN STATE LIFE, A NATIONAL LEADER IN PROVIDING AFFORDABLE, NO-HASSLE LIFE INSURANCE. TO APPLY AND BUY UP TO $150,000 QUICKLY AND EASILY, CALL 800-783-4173 OR VISIT US AT WWW.MERRICKBANK.COMBENEFITS/LIFEGARD.ASPX. NO MEDICAL EXAM REQUIRED TO GET THE PROTECTION YOU NEED. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 www.Merrick8ank.com Rna --r-, Rne:nlufinn IJMics" nn Rnvnren Type of creek to which rates apply Balance on Which Finance Charge Applied Daily Ped dlc Rate' Nominal Annual Percentage Rates ANNUAL PERCENTAGE RATES PURCHASES $905.37 .08958% 32.70% 32.70% CASH ADVANCES $0.00 .09589% 35.00% 35.00% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCHFINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE. IS POSTED. -PERIODIC RATES MAY VARY. Statement Date: 10112/07 Account Number: 4120 6130 5516 3965 Page 1 of 1 New Balance Past Due Amount Minimum Amt. Due Write In Amount Payment D $980.24 $0.00 $86.24 11/06/ EXHIBIT A 5242 0001 ZRD 1 7 8 071012 0 Page 1 of 1 5549 3000 RP59 01AS5242 6706 MERRIB K B ANK Send Payments to: MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 us Dare Of Payment Enclosed 107 $ ? New Address or email? Print on back. CONSTANCE D HART 6724 800 RITNER HWY SHIPPENSBURG PA 17257-9550 412061305516396500003400000905720 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $35.00 Minimum Amount Due $34.00 Billing Cycle Closing Date 09/13/07 Transactions $6.00 Payment Due Date 10/08/07 Days In Billing Cycle 31 FINANCE CHARGE $25.10 Credit Limit $900.00 Previous Balance $909.62 New Balance $905.72 Available Credit None Transactions, Payments and Credits Trans Date Post Date Item Description Amount 08128 08/28 74120617GDOXTMKFF ONLINE PAYMENT-THANK YOU SOUTH JORDAN UT 35.00 - 09/13 09113 F55490080000CYLAC ANN FEE-MNTHLY 10/07 THROUGH 10107 6.00 PERIODIC 'FINANCE CHARGE' PURCHASES $25.10 CASH ADVANCE $0.00 25.10 YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $6.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION" YOUR "NEW BALANCE" INDICATES THAT YOUR ACCOUNT IS OVER ITS CREDIT LIMIT. PLEASE INCREASE YOUR MINIMUM PAYMENT BY THIS OVERLIMIT AMOUNT. Cardholder News WHETHER YOU ARE BUYING A NEW CAR OR PURCHASING YOUR FIRST HOME, PREPARING YOURSELF AND YOUR CREDIT PROFILE BEFOREHAND COULD POTENTIALLY SAVE YOU THOUSANDS ON YOUR LOAN. CHECK YOUR 3-IN-1 CREDIT REPORT WITH SCORES TO ENSURE THAT IT'S ACCURATE AND UP-TO-DATE. TO FIND OUT HOW TO GET YOUR 3-IN-1 CREDIT REPORT VISIT WWW.MERRICKBANK.COMrrRUECREDIT.ASPX. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 www.MorrickBank.com Saa "Frrnr Rasnlutinn Nntiea" nn Reversa Type of credit to which rates apply Balance on Which Fire- Charge Applied Daily Pedadic Rate' Nominal Annual Percentage Rates ANNUAL PERCENTAGE RATES PURCHASES $890.42 .09095% 33.20% 33.20% CASH ADVANCES $0.00 .09589% 35.00% 35.00 ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES. AS APPLICABLE, IS POSTED. *PERIODIC RATES MAY VARY. Statement Date: 09/13/07 Account Number: 4120 6130 5516 3965 Page 1 of 1 New Balance Past Due Amount Minimum Amt Due Write In Amount Psymer D $905.72 $0.00 $34.00 10/08 5242 0001 ZRD 1 7 8 070913 0 Pagel of 1 5549 3000 RP59 01AS5242 6724 EXHIBIT A MEIM K B ANK MEMBER FDIC Send Payments to: Statement Date: 08/13/07 Account Number: 4120 6130 5516 3965 Page 1 of 1 New Balance Put Due Amount Minimum Amt. Due Payment Due Date Write In Amount Of Payment Enclosed $909.62 $0.00 $34.00 09/07107 $ M?SI? and U New Address or email? Print on back. MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 LrrIInIII IIJIIIrrrrIIJIIIIILIJnIII,rrIlrrLl,trllllrnl CONSTANCE D HART 6711, 800 RITNER HWY SHIPPENSBURG PA 17257-9550 Irlrllllrlllrlllllllllltrllllrrrlllrrlllrllrrrlltttllrttlllttl 412061305516396500003400000909623 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise in dicated. Account Number 4120 6130 5516 3965 Payments and Credits $35.00 Minimum Amount Due $34.00 Billing Cycle Closing Date 08/13/07 Transactions $6.00 Payment Due Date 09/07/07 Days In Billing Cycle 32 FINANCE CHARGE $26.20 Credit Limit $900.00 Previous Balance $912.42 New Balance $909.62 Available Credit None Transactions, Payments and Credits Trans Date Post Date Item Description Amount 08103 08103 74120616POOXTMKFG ONLINE PAYMENT-THANK YOU SOUTH JORDAN UT 35.00 - 08113 08113 F55490071 OOOCYLAC ANN FEE-MNTHLY 09107 THROUGH (79(07 6.00 PERIODIC 'FINANCE CHARGE' PURCHASES $26.20 CASH ADVANCE $0.00 26.20 YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $6.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." " SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION' YOUR "NEW BALANCE" INDICATES THAT YOUR ACCOUNT IS OVER ITS CREDIT LIMIT. PLEASE INCREASE YOUR MINIMUM PAYMENT BY THIS OVERLIMIT AMOUNT. Cardholder News IDENTITY THEFT IS THE FASTEST GROWING CRIME IN AMERICA. ACCORDING TO THE FTC, THE NUMBER OF IDENTITY THEFT INCIDENTS HAS REACHED 9.9 MILLION A YEAR. FROM STOLEN CREDIT CARDS TO TOTAL IDENTITY KIDNAPPING, THESE CRIMES ARE HARD TO PREVENT AND DIFFICULT TO CORRECT. FOR INFORMATION ON HOW YOU CAN BEST PROTECT YOURSELF, VISIT WWW.MERRICKBANK.COMrrRUECREDIT.ASPX. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 www.MorrickBank.com Rnn "Frrnr Roanlutinn Nntirw" on Rwvamp Type of credit to which rates apply Balance on Which Finance Charge Applied Daily Periodic Rate' Nominal Annual Percentage Rates ANNUAL PERCENTAGE RATES PURCHASES $900.38 .09095% 33.20% 33.20% CASH ADVANCES $0.00 .09589% 35.00% 35.00 ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. 'PERIODIC RATES MAY VARY. EXHIBIT A 5242 0001 ZRD 1 7 8 070813 0 Page 1 of1 5549 3000 RP59 01AS5242 6711 r MERM K $ ANK MEMBER FDIC Send Payments to: MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 I e Date Of Payment Enclosed 07 $ [] New Address or email? Print on back. CONSTANCE D HART 6644 800 RITNER HWY SHIPPENSBURG PA 17257-9550 i111iI I111I lull li 111 lull lull lilil lilil till/ till/ lilllllllll 412061305516396500003400000912429 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) Is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $40.00 Minimum Amount Due $34.00 Billing Cycle Closing Date 07/12/07 Transactions $21.01 Payment Due Date 08/06/07 Days In Billing Cycle 30 FINANCE CHARGE $24.35 Credit Limit $900.00 Previous Balance $907.06 New Balance $912.42 Available Credit None Transactions, Payments and Credits Trans Date Post Date Item Description Amount 06/28 06/28 74120615KOOXTMKFA ONLINE PAYMENT-THANK YOU SOUTH JORDAN UT 40.00 - 07/02 07102 24445005RTRYBB26M TURKEY HILL #283 069 SHIPPENSBURG PA 15.01 07/12 07/12 F55490061000CYLAC ANN FEE-MNTHLY 08/07 THROUGH 08/07 6.00 PERIODIC 'FINANCE CHARGE' PURCHASES $24.35 CASH ADVANCE $0.00 24.35 YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $6.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT.- -SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION" YOUR "NEW BALANCE" INDICATES THAT YOUR ACCOUNT IS OVER ITS CREDIT LIMIT. PLEASE INCREASE YOUR MINIMUM PAYMENT BY THIS OVERLIMIT AMOUNT. Cardholder News YOU MIGHT BE SURPRISED BY WHAT YOU FIND ON YOUR CREDIT REPORT. IF YOU THINK YOU HAVE NO CREDIT, THERE COULD BE AN OLD ACCOUNT YOU FORGOT ABOUT. IF YOU THINK YOU HAVE TERRIBLE CREDIT, THINGS COULD BE BETTER THAN YOU IMAGINE. ORDER YOUR 3-IN-1 CREDIT REPORT AND 3 CREDIT SCORES ONLINE TODAY! VISIT US AT WWW.MERRICKBANK.COMrrRUECREDIT.ASPX. To ensure quality service, phone calls may be randomty selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 www.MerrickBank.com Type of credit to which rates apply Balance on which Fine= Charge Applied Daily Periodic R.W Nominal Annual Percentage Rates AN UAL PERCENTAGE RATES PURCHASES $892.56 .09095% 33.20% 33.20% CASH ADVANCES $0.00 .09589% 35.00% 35.00% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCHFINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES. AS APPLICABLE, IS POSTED. 'PERIODIC RATES MAY VARY. EXHI$IT A Statement Date: 07112/07 Account Number: 4120 6130 5516 3965 Page 1 of 1 New Balance Past Due Amount Minimum Amt. Due Wrlb In Amount Payment Du $912.42 $0.00 $34.00 08106/ 5242 0001 ZRO 1 7 8 070712 0 Page 1 of 1 5549 3000 RP59 OIAS5242 6644 MERMCK BADNK Send Payments to: Statement Date: 06/12/07 Account Number: 4120 6130 5516 3965 Page 1 of 1I New Balance Past Due Amount Mlnlmum Amt. Due Payment Due Date Write in Amount of Payment Enclosed $907.06 $0.00 $34.00 07/07/07 $ M?s!erC?lrtl ? New Address or email? Print on back. MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 CONSTANCE D HART 6629 800 RITNER HWY SHIPPENSBURG PA 17257-9550 inlil lrul ulrl rirlt'urllrln liliuirir linrlinl liurlrlu? 412061305516396500003400000907064 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise Indicated. Account Number 4120 6130 5516 3965 Payments and Credits $68.00 Minimum Amount Due $34.00 Billing Cycle Closing Date 06/12/07 Transactions $66.04 Payment Due Date 07/07/07 Days In Billing Cycle 32 FINANCE CHARGE $25.77 Credit Limit $900.00 Previous Balance $883.25 New Balance $907.06 Available Credit None Transactions, Payments and Credits Trans Date Post Date Item Description Amount 05/11 05/12 24692164500JMJ2PH SUNOCO SVC STATION SHIPPENSBURG PA 35.01 05/17 05117 7412061490OXTMKFB ONLINE PAYMENT-THANK YOU SOUTH JORDAN UT 33.00 - 06/05 06/05 74120614WOOXTMKFH ONLINE PAYMENT-THANK YOU SOUTH JORDAN UT 35.00 - 06108 06/08 24427335OLM7MGYET RUTTER'S FARM STORE #3 SHIPPENSBURG PA 25.03 06/12 06/12 F55490053000CYLAC ANN FEE-MNTHLY 07107 THROUGH 07/07 6.00 PERIODIC 'FINANCE CHARGE' PURCHASES $25.77 CASH ADVANCE $0.00 2537 '• YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $6.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." " SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION" YOUR "NEW BALANCE" INDICATES THAT YOUR ACCOUNT IS OVER ITS CREDIT LIMIT. PLEASE INCREASE YOUR MINIMUM PAYMENT BY THIS OVERLIMIT AMOUNT. Cardholder News ''WARNING" IF YOUR ACCOUNT GOES DELINQUENT AGAIN DURING THE NEXT SIX MONTHS, YOUR ACCOUNT MAY GO INTO DEFAULT PRICING AS DEFINED IN YOUR CARDHOLDER AGREEMENT AND PRICING APPENDIX. IF YOU HAVE ANY QUESTIONS, CALL US TOLL FREE AT 1-800-253-2322. THANK YOU. PLEASE REFER TO THE ENCLOSED INSERT ENTITLED "IMPORTANT CHANGES TO YOUR MERRICK BANK VISAS OR MASTERCARDS CARDHOLDER AGREEMENT'' BY MANAGING YOUR PERSONAL INFORMATION CAREFULLY AND SENSIBLY, YOU CAN HELP GUARD AGAINST IDENTITY THEFT. TRUECREDIT OFFERS YOU UNLIMITED ACCESS TO YOUR 3 CREDIT REPORTS AND SCORES AS A PRECAUTION TO KEEPING YOUR PERSONAL INFORMATION SAFE. VISIT US AT WWW.MERRICKBANK.COM/TRUECREDIT.ASPX. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 www.MorrickBank.com c."...e...". Dwwwr..N.... Mnel-11 - D.vnren Type of credit to which is. apply Balance on Which Finance Charge Applied Daily Periodic Rate' Nominal Annual Percentage Rates AN UAL PERCENTAGE RATES PURCHASES $885.57 .09095% 33.20% 33.20% CASH ADVANCES $0.00 .09589% 35.00% 35.00% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. 'PERIODIC RATES MAY VARY. EXHIBIT A 5242 0001 ZRD 1 7 6 070612 0 Page 1 of 1 5549 3000 RP59 OIASS242 6629 MERM K B ANK MEMBER FDIC Statement Date: 05/11107 Account Number: 4120 6130 5516 3965 Page 1 of 7 Now Balance Past Due Amount Minimum Amt. Due Payment Due Date Write In Amount Of Payment Enclosed $883.25 $0.00 $33.00 06/05/07 $ Mi35fer C?rrrl ? New Address or email? Print on back. Send Payments to: MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 Itttllrrtlllltlllitrtrrltlrlrlllltrllrlrllrrllrrlrlttllllllrll CONSTANCE D HART 6504 800 RITNER HWY SHIPPENSBURG PA 17257-9550 INIIILt111r6LLIJrrrIIJr1111IttIIIIIItrtllrrtlltlJtLll 412061305516396500003300000883259 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $45.00 Minimum Amount Due $33.00 Billing Cycle Closing Date 05/11/07 Transactions $31.00 Payment Due Date 06/05/07 Days In Billing Cycle 30 FINANCE CHARGE $24.22 Credit Limit $900.00 Previous Balance $873.03 New Balance $883.25 Available Credit $15.00 Transactions, Payments and Credits Trans Date Post Date Item Description Amount 04/11 04/12 241640735EGHSAVTK SHEETZ 00000703 SHIPPENSBURG PA 25.00 05/05 05/05 74120613YOOXTMKFE PHONE PAYMENT-THANK YOU SOUTH JORDAN UT 45.00- 05111 05111 F55490043000CYLAC ANN FEE-MNTHLY 06/07 THROUGH 06/07 6.00 PERIODIC `FINANCE CHARGE` PURCHASES $24.22 CASH ADVANCE $0.00 24.22 YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $6.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION" Cardholder News "'WARNING" IF YOUR ACCOUNT GOES DELINQUENT AGAIN DURING THE NEXT SIX MONTHS, YOUR ACCOUNT MAY GO INTO DEFAULT PRICING AS DEFINED IN YOUR CARDHOLDER AGREEMENT AND PRICING APPENDIX. IF YOU HAVE ANY QUESTIONS, CALL US TOLL FREE AT 1-800-253-2322. THANK YOU. YOU MAY ALREADY KNOW THAT YOU HAVE A DIFFERENT CREDIT SCORE FROM EACH OF THE 3 NATIONAL CREDIT BUREAUS. BUT DID YOU KNOW THAT ON AVERAGE, EACH SCORE MAY VARY AS MUCH AS 40 POINTS? MANY LENDERS LOOK AT ALL 3 SCORES WHEN MAKING DECISIONS ABOUT YOUR LOANS. WITH TRUECREDIT, YOU'LL SEE HOW YOUR SCORES COMPARE! VISIT US AT WWW.MERRICKBANK.COM/-rRUECREDIT.ASPX. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 www.MorrickBank.com S- •'P- Rne:nlydinn Nnfirn•' nn R..- Type of credit to which rates apply Balance on Which Finance Charge Applied Daily Periodic Rate. Nominal Annual Percentage Rate. ANNUAL PERCENTAGE RATES PURCHASES $887.53 .09095% 33.20% 33.20% CASH ADVANCES $0.00 .09589% 35.00% 35.00% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCHFINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES. AS APPLICABLE, IS POSTED. *PERIODIC RATES MAY VARY. EXHIBIT A 5242 0003 ZRD 1 7 8 070511 Page 1 oft 5549 3000 RP59 OIASS242 6504 MEMBER Statement Date: 04/11/07 MEWU K $ FDIC Account Number: 4120 6130 5516 3965 Page I of 1 New Balance Past Due Amount Minimum Amt. Due Payment Due Date Write In Amount Of Payment Enclosed $873.03 $0.00 $33.00 05/06/07 $ MaSferC.ltd ? New Address or email? Print on back. Send Payments to: MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 IIII IIIIIIIIIIIIIII VIII IIIIIIIIII II III VIII III II Iii llillll 111 CONSTANCE D HART 6530 800 RITNER HWY SHIPPENSBURG PA 17257-9550 1111 11111111111111111111111[1111 661661111111111111111,1111 412061305516396500003300000873037 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $50.00 Minimum Amount Due $33.00 Billing Cycle Closing Date 04/11/07 Transactions $6.00 Payment Due Date 05/06/07 Days In Billing Cycle 29 FINANCE CHARGE $22.99 Credit Limit $900.00 Previous Balance $894.04 New Balance $873.03 Available Credit $25.00 Transactions, Payments and Credits Trans Date Post Date Rem Description Amount 03/30 03/30 74120612TOOXTMKF9 ONLINE PAYMENT-THANK YOU SOUTH JORDAN UT 50.00- 04/11 04/11 F554900350DOCYLAC ANN FEE-MNTHLY 05/07 THROUGH 05/07 6.00 PERIODIC 'FINANCE CHARGE` PURCHASES $22.99 CASH ADVANCE $0.00 22.99 " YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $6.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION" Cardholder News "WARNING" IF YOUR ACCOUNT GOES DELINQUENT AGAIN DURING THE NEXT SIX MONTHS, YOUR ACCOUNT MAY GO INTO DEFAULT PRICING AS DEFINED IN YOUR CARDHOLDER AGREEMENT AND PRICING APPENDIX. IF YOU HAVE ANY QUESTIONS, CALL US TOLL FREE AT 1-800-253-2322. THANK YOU. WHETHER YOU ARE BUYING A NEW CAR OR PURCHASING YOUR FIRST HOME, PREPARING YOURSELF AND YOUR CREDIT PROFILE BEFOREHAND COULD POTENTIALLY SAVE YOU THOUSANDS ON YOUR LOAN. CHECK YOUR 3-IN-1 CREDIT REPORT WITH SCORES TO ENSURE THAT IT'S ACCURATE AND UP-TO-DATE. TO FIND OUT HOW TO GET YOUR 3-IN-1 CREDIT REPORT VISIT WWW.MERRICKBANK.COM/TRUECREDIT.ASPX. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 www.MorrickBank.com Saa "Error Raanlutinn Nntl-" nn Ravarso Type of credo to which rates apply Balance an Which Finance Charge Apph d Daily Periodic Raw Nominal Annual Perr mge Rates A UAL PERCENTAGE RATES PURCHASES $671.62 .09095% 33.20% 33.20%r CASH ADVANCES $0.00 .09589% 35.00% 35.00% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE p r? CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. -PERIODIC RATES MAY VARY. E. NU1 1 j D? l 5242 0001 2RO 1 7 8 470411 Page 1 of 1 5549 3000 RP59 OIASS242 6530 MERRBK BAK Send Payments to: Statement Date: 02/12/07 Account Number: 4120 6130 5516 3965 Page 1 of 1 New Balance Past Due Amount Minimum Amt. Due Payment Due Date Write In Amount Of Payment Enclosed $923.94 $0.00 $34.00 03/09/07 $ Mo4c-rL.url ? New Address or email? Print on back. MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 ,.Il.rrlllr.Irllrrrrrlrlrlrlrlr??lr?lrl,rrllr?lrlrrrllllrr? CONSTANCE D HART 800 RITNER HWY SHIPPENSBURG PA 17257-9550 412061305516396500003400000923947 6680 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $75.00 Minimum Amount Due $34.00 Billing Cycle Closing Date 02/12107 Transactions $6.00 Payment Due Date 03/09107 Days In Billing Cycle 31 FINANCE CHARGE $26.43 Credit Limit $900.00 Previous Balance $966.51 New Balance $923.94 Available Credit None Transactions, Payments and Credits Trans Date Post Date Item Description Amount 02101 02/01 74120611000XTMKFH PHONE PAYMENT-THANK YOU SOUTH JORDAN UT 75.00 - 02/12 02/12 F5549001 BOOOCYLAC ANN FEE-MNTHLY 03/07 THROUGH 03/07 6.00 PERIODIC `FINANCE CHARGE` PURCHASES $26.43 CASH ADVANCE $0.00 26.43 YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $6.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." " SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION" YOUR "NEW BALANCE" INDICATES THAT YOUR ACCOUNT IS OVER ITS CREDIT LIMIT. PLEASE PAY YOUR MINIMUM PAYMENT IMMEDIATELY. Cardholder News "WARNING" IF YOUR ACCOUNT GOES DELINQUENT AGAIN DURING THE NEXT SIX MONTHS, YOUR ACCOUNT MAY GO INTO DEFAULT PRICING AS DEFINED IN YOUR CARDHOLDER AGREEMENT AND PRICING APPENDIX. IF YOU HAVE ANY QUESTIONS, CALL US TOLL FREE AT 1-800-253-2322. THANK YOU. YOU MIGHT BE SURPRISED BY WHAT YOU FIND ON YOUR CREDIT REPORT. IF YOU THINK YOU HAVE NO CREDIT, THERE COULD BE AN OLD ACCOUNT YOU FORGOT ABOUT. IF YOU THINK YOU HAVE TERRIBLE CREDIT, THINGS COULD BE BETTER THAN YOU IMAGINE. ORDER YOUR 3-IN-1 CREDIT REPORT AND 3 CREDIT SCORES ONLINE TODAY! VISIT US AT WWW.MERRICKBANK.COM/TRUECREDIT.ASPX. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service Call: 1-800-253-2322, outside U.S. call: 1-516-224-1762 www.MorrickBank.com Sau °F--- Rncnlr Jinn NnHcn" nn Revaran Type of credit to wN.h is. apply Balance on Which Finance Charge Applied Daily Periodic Rate' Nominal Annual Pan entage Rates ANNUAL PERCENTAGE RATES PURCHASES $937.47 .09095% 33.20% 33.20% CASH ADVANCES $0.00 .09589% 35.00% 35.00% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. 'PERIODIC RATES MAY VARY. FXRIBIT A 5242 0001 ZRD 1 7 8 070212 0 Page 1 of 1 5549 3000 RP59 01AS5242 6680 MERRICK BANK M E M B ER F D I C Send Payments to: Statement Date: 11110/06 Account Number: 4120 6130 5516 3965 Page 1 of 1 New Balance Past Due Amount Minimum Amt. Due Payment Due Date Write in Amount Of Payment Enclosed $719.69 $0.00 $28.00 12/05106 $ MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 .,Ilr?rlll.?Irllrr?.rlrlrlrlrlriilrrlrlrrrllrrlrlrrillllrri MasterCard or email? Print on back. CONSTANCE D HART 800 RITNER HWY SHIPPENSBURG PA 17257-9550 412061305516396500002800000719693 7465 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $30.00 Minimum Amount Due $28.00 Billing Cycle Closing Date 11110/06 Transactions $45.16 Payment Due Date 12/05/06 Days In Billing Cycle 29 FINANCE CHARGE $18.39 Credit Limit $900.00 Previous Balance $686.14 New Balance $719.69 Available Credit $180.00 Transactions, Payments and Credits Trans Date Post Date Item Description Amount 10/13 10/13 2476197ME21 ENOB11 FEDEX SHP 10/10/06 AB# 858-362143775TN 17.26 11/03 11/03 7412061N300XTMKFH ONLINE PAYMENT-THANK YOU SOUTH JORDAN UT 30.00 - 11/08 11/08 2441800N993GV2X3X TERRY'S VILLAGE 800-8622295 NE 21.90 11!10 11/10 F55490ONA000CYLAC ANN FEE-MNTHLY 12106 THROUGH 12/06 6.00 PERIODIC 'FINANCE CHARGE' PURCHASES $18.39 CASH ADVANCE $0.00 18.39 YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $6.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION- CONGRATULATIONSIII TO REWARD YOU FOR YOUR EXCELLENT PAYMENT HISTORY WITH US, WE HAVE INCREASED YOUR CREDIT LIMIT. Cardholder News ENCLOSED IS MERRICK BANK'S 2006/2007 PRIVACY PLEDGE. PLEASE READ AND RETAIN IT FOR YOUR RECORDS. FOR ANY QUESTIONS, CONTACT US VIA THE WEB AT WWW.MERRICKBANK.COM OR CALL US TOLL FREE AT 1-800-253-2322,24 HOURS A DAY, SEVEN DAYS A WEEK. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service Call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 www.MorrickBank.com e.. r•e..,.. oee..t...t.... h1..Nene .... oe..e.ae Type of credit to which rates apply Balance on Which Finance Charge Applied Dally Periodic Rate' Nominol Annual Percentage Rate. ANNUAL PERCENTAGE RATES PURCHASES $697.38 .09095% 33.20% 33.20% CASH ADVANCES $0.00 .09589% 35.00% 35.00% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. *PERIODIC RATES MAY VARY. FNRTRIT A 5242 D001 ZRO 1 7 8 061110 Page 1 of 1 5549 3000 RP59 Ol AS5242 7465 r MERMCK BANK MEMBER F D I C Send Payments to: Statement Date: 10112/06 Account Number: 4120 6130 5516 3965 Page 1 of 1 New Balance Past Due Amount Minimum Amt. Due Payment Due Date Write in Amount Of Payment Enclosed $686.14 $0.00 $27.00 11/06/06 $ MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 rirllirilllrrlrlliirrilrlrlrlrlirrlrrlrlrirllrrlilrlrllllrrr UM, a? ? New Address or email? Print on back. CONSTANCE D HART 800 RITNER HWY SHIPPENSBURG PA 17257-9550 412061305516396500002700000686142 6702 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $35.00 Minimum Amount Due $27.00 Billing Cycle Closing Date 10/12106 Transactions $27.35 Payment Due Date 11106/06 Days In Billing Cycle 29 FINANCE CHARGE $17.69 Credit Limit $700.00 Previous Balance $676.10 New Balance $686.14 Available Credit None Transactions, Payments and Credits Trans Date Post Date Item Description Amount 10106 10/06 7412061M70OXTMKFB ONLINE PAYMENT-THANK YOU SOUTH JORDAN UT 35.00 - 10/09 10/09 2416407MAVPKNHXT2 PERKINS 09138835 CHAMBERSBURG PA 13.43 10/09 10/09 2473309MB60PLWW7A KATHY'S DELI SHIPPENSBURG PA 7.92 10/12 10112 F55490OMD000CYLAC ANN FEE-MNTHLY 11/06 THROUGH 11106 6.00 PERIODIC 'FINANCE CHARGE' PURCHASES $17.69 CASH ADVANCE $0.00 17.69 " YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $6.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION" Cardholder News YOUR 3 CREDIT SCORES ARE AN ESSENTIAL PART OF YOUR FINANCES. MANY LENDERS LOOK AT ALL 3 SCORES WHEN MAKING DECISIONS ABOUT YOUR LOANS. WITH TRUECREDIT, YOU'LL SEE HOW EACH OF YOUR SCORES COMPARE AGAINST THE REST OF THE NATION AND RECEIVE A COMPLETE ANALYSIS OF EACH SCORE. SEE WHERE YOUR CREDIT STANDS! VISIT US AT WWW.MERRICKBANK.COM/TRUECREDIT.ASPX. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322, outside U.S. call: 1-516-224-1762 www.MorrickBank.com ??..... e-l..el.... Ll-#I .err .... 0....nea Type of credit to which rates apply Balance on which Finance Charge Applied Daily Periodic Rate' Nominal Annual Percentage Rate ANNUAL PERCENTAGE RATES PURCHASES $670.59 .09095% 33.20% 33.20% CASH ADVANCES $0.00 .09589% 35.00% 35.00% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES. AS APPLICABLE. IS POSTED. *PERIODIC RATES MAY VARY. 5242 0001 ZRO 1 7 8 061012 Page 1 of 1 5549 3000 RP59 Ol AS5242 6702 EJA.EI1111 A MERMCK BANK MEMBER FDIC ?1r?1 L_ Statement Date: 09113/06 Account Number: 4120 6130 5516 3965 Page 1 of 1 New Balance 1 ast Due Amount inimum Amt. Due 1 ayment Dua Date Write in Amount of Payment Enclosed $676.10 $0.00 $27.00 10108106 Is Master( erd Y_ ? New Address or email? Print on back. Send Payments to: MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 „?Il?rrlllr?I?Il?rrr?lrlrlrl?lr??ir?lrirrrllr?lrlrrrllllrr? CONSTANCE D HART 800 RITNER HWY SHIPPENSBURG PA 17257-9550 412061305516396500002700000676101 6E53 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $35.00 Minimum Amount Due $27.00 Billing Cycle Closing Date 09/13106 Transactions $21.00 Payment Due Date 10/08/06 Days In Billing Cycle 30 FINANCE CHARGE $18.46 Credit Limit $700.00 Previous Balance $671.64 New Balance $676.10 Available Credit $23.00 Transactions, Payments and Credits Trans Date Post Date Item Description Amount 08/21 08/21 2461043KS03VAQLlJ GIANT FOOD STORES #061 SHIPPENBURG PA 15.00 09/08 09/08 7412061LBOOXTMKFD ONLINE PAYMENT-THANK YOU SOUTH JORDAN UT 35.00 - 09/13 09/13 F55490OLG000CYLAC ANN FEE-MNTHLY 10/06 THROUGH 10/06 6.00 PERIODIC 'FINANCE CHARGE' PURCHASES $18.46 CASH ADVANCE $0.00 18.46 YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $6.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION" Cardholder News "WARNING" IF YOUR ACCOUNT GOES DELINQUENT AGAIN DURING THE NEXT SIX MONTHS, YOUR ACCOUNT MAY GO INTO DEFAULT PRICING AS DEFINED IN YOUR CARDHOLDER AGREEMENT AND PRICING APPENDIX. IF YOU HAVE ANY QUESTIONS, CALL US TOLL FREE AT 1-B00-253-2322. THANK YOU. DON'T LET CREDIT REPORT INACCURACIES STOP YOU FROM QUALIFYING FOR THE CREDIT YOU DESERVE. CHECK YOUR 3-IN-1 CREDIT REPORT TO ENSURE THAT ITS ACCURATE AND UP-TO-DATE. TO FIND OUT HOW TO GET YOUR 3-IN-1 CREDIT REPORT IN ONE EASY-TO-READ ONLINE REPORT, VISIT WWW.MERRICKBANK.COMrrRUECREDIT.ASPX. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 www.MarrickBank.com Type of credit to whirr rates apply Balance on WNch Finance Charge Applied Daily Periodic Rate' Nominal Annual Percentage Rates ANNUAL PERCENTAGE RATES PURCHASES $676.64 .09095% 33.20% 33.20% CASH ADVANCES $0.00 .09589% 35.00% 35.00% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCHFINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. -PERIODIC RATES MAY VARY. 5242 0003 ZRO 1 7 8 060913 Page 1 of 1 5549 3000 RP59 OIAS5242 6653 EXHIBIT A MERMCK BANK M E M B E R F D I C Statement Date: 08/14/06 Account Number: 4120 6130 5516 3965 Page 1 of 1 Now Balance Past Due Amount Minimum Amt. Due I Payment Due Date Amount Wdte IIn Of Payment Enclosed $671.64 $0.00 $25.00 09/08/06 $ Masier?and ? New Address or email? Print on back. Send Payments to: MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 „rll.r.III,rI,Il??rrrlrlrlrlrlrrrlr?lrlrrrllrrl?lrrrllll??r CONSTANCE D HART 800 RITNER HWY SHIPPENSBURG PA 17257-9550 412061305516396500002500000671643 6620 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $35.00 Minimum Amount Due $25.00 Billing Cycle Closing Date 08/14106 Transactions $26.20 Payment Due Date 09108106 Days In Billing Cycle 32 FINANCE CHARGE $14.70 Credit Limit $700.00 Previous Balance $665.74 New Balance $671.64 Available Credit $28.00 Transactions, Payments and Credits Trans Date Post Date Item Description Amount 08/03 08/03 2416407K8R9YD6V8T PIZZA HUT #10062610050 SHIPPENSBURG PA 22.20 08/07 08107 7412061KBDOXTMKFE ONLINE PAYMENT-THANK YOU SOUTH JORDAN UT 35.00 - 08114 08/14 F554900KJ000CYLAC ANN FEE-MNTHLY 09/06 THROUGH 09106 4.00 PERIODIC `FINANCE CHARGE` PURCHASES $14.70 CASH ADVANCE $0.00 14.70 " YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $4.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION" Cardholder News "WARNING" IF YOUR ACCOUNT GOES DELINQUENT AGAIN DURING THE NEXT SIX MONTHS, YOUR ACCOUNT MAY GO INTO DEFAULT PRICING AS DEFINED IN YOUR CARDHOLDER AGREEMENT AND PRICING APPENDIX. IF YOU HAVE ANY QUESTIONS, CALL US TOLL FREE AT 1-800-253-2322. THANK YOU. IDENTITY THEFT IS THE FASTEST GROWING CRIME IN AMERICA. ACCORDING TO THE FEDERAL TRADE COMMISSION, THE NUMBER OF IDENTITY THEFT INCIDENTS REACHED 9.9 MILLION IN 2003. DON'T BE A VICTIM! FOR INFORMATION ON HOW YOU CAN PROTECT YOURSELF, VISIT WWW.MERRICKBANK.COMrrRUECREDIT.ASPX. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322, outside U.S. call: 1-516-224-1762 www.MorrickBank.com Type of credit to which robs apply Balance on Which Finance Charge Applied Daly Periodic Rate' Nominal Annual Percentage Rates ANNUAL PERCENTAGE RATES PURCHASES $665.31 .06904% 25.20% 25.20% CASH ADVANCES $0.00 .08273% 30.20% 30.20% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. 'PERIODIC RATES MAY VARY. 5242 0001 ZRD 1 7 8 060814 Page 1 of 1 5549 3000 RP59 01AJ5242 6620 E-H1131T A MERRICK BANK M E M B E R F D I C y Send Payments to: Statement Date: 07113106 Account Number: 4120 6130 5516 3965 Page 1 of 1 New Balance Past Due Amount Minimum Amt. Due Payment Due Date Write in Amount Of Payment Enclosed $66534 $0.00 $24.00 08107/06 $ MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 „illrrilllrrlrlliirrilrlrlrlilrrrlrrlrlrrrllrrlilr,rllllr?r Mastercard Y 0 New Address or email? Print on back. CONSTANCE D HART 800 RITNER HWY SHIPPENSBURG PA 17257-9550 412061305516396500002400000665747 6520 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $35.00 Minimum Amount Due $24.00 Billing Cycle Closing Date 07113106 Transactions $17.70 Payment Due Date 08107106 Days In Billing Cycle 30 FINANCE CHARGE $13.83 Credit Limit $700.00 Previous Balance $669.21 New Balance $665.74 Available Credit $34.00 Transactions, Payments and Credits Trans Onto Post Date Item Description Amount 06/29 06/29 2476197J421BGXH05 FEDEX SHP 06/26/06 AB# 850-48787486OTN 13.70 07/07 07/07 7412061J000XTMKFB ONLINE PAYMENT-THANK YOU SOUTH JORDAN UT 35.00 - 07/13 07/13 F554900JJ000CYLAC ANN FEE-MNTHLY 08/06 THROUGH 08/06 4.00 PERIODIC 'FINANCE CHARGE' PURCHASES $13.83 CASH ADVANCE $0.00 13.83 YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $4.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." " SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION" Cardholder News "WARNING" IF YOUR ACCOUNT GOES DELINQUENT AGAIN DURING THE NEXT SIX MONTHS, YOUR ACCOUNT MAY GO INTO DEFAULT PRICING AS DEFINED IN YOUR CARDHOLDER AGREEMENT AND PRICING APPENDIX. IF YOU HAVE ANY QUESTIONS, CALL US TOLL FREE AT 1-800-253-2322. THANK YOU. THERE ARE 3 NATIONAL CREDIT BUREAUS THAT COLLECT INFORMATION ABOUT YOU. WHILE YOU MIGHT ASSUME THAT YOUR 3 CREDIT REPORTS LOOK EXACTLY ALIKE, THEY CAN ACTUALLY DIFFER SIGNIFICANTLY. WITH TRUECREDITS 3-IN-1 CREDIT REPORT, YOU'LL SEE DATA FROM ALL 3 BUREAUS IN 1 EASY-TO-READ ONLINE REPORT. FIND OUT MORE TODAY! VISIT US AT WWW.MERRICKBANK.COM/TRUECREDIT.ASPX. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. Call: 1-516-224-1762 www.MorrickBank.com Type of credit to which rates apply Balance on Which Finance Charge Applied Daily Periodic Rate' Nominal Annual Percentage Rates ANNUAL PERCENTAGE RATES PURCHASES $667.89 .06904% 25.20% 25.20% CASH ADVANCES $0.00 .08273% 30.20% 30.20% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. 'PERIODIC RATES MAY VARY. EXHIBIT A 5242 0001 ZRD 1 7 8 060713 Page 1 of 1 5549 3000 RP59 01AJ5242 6520 MERMCK $ADN I K MEMBER F C Send Payments to: Statement Date: 05/11106 Account Number: 4120 6130 5516 3965 Page 1 of 1 New Balance Past Due Amount Minimum Amt. Due Payment Due Date Wrlte in Amount of Payment Enclosed I $709.74 $0.00 $26.00 06/05/06 Ma5/ , -1 $ 0 New Address or email? Print on oaCK. MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 CONSTANCE D HART 800 RITNER HWY SHIPPENSBURG PA 17257-9550 412061305516396500002600000709748 6405 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $58.00 Minimum Amount Due $26.00 Billing Cycle Closing Date 05111/06 Transactions $4.00 Payment Due Date 06/05106 Days In Billing Cycle 29 FINANCE CHARGE $14.04 Credit Limit $700.00 Previous Balance $749.70 New Balance $709.74 Available Credit None Transactions, Payments and Credits Trans Date Post Date Item Description Amount 04/14 04/14 7412061FROOXTMKFQ PHONE PAYMENT-THANK YOU SOUTH JORDAN UT 28.00 - 05/05 05105 7412061GDOOXTMKFH ONLINE PAYMENT-THANK YOU SOUTH JORDAN UT 30.00 - 05/11 05111 F554900GK000CYLAC ANN FEE-MNTHLY 06/06 THROUGH 06/06 4.00 PERIODIC 'FINANCE CHARGE' PURCHASES $14.04 CASH ADVANCE $0.00 14.04 YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $4.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION" YOUR "NEW BALANCE" INDICATES THAT YOUR ACCOUNT IS OVER ITS CREDIT LIMIT. PLEASE INCREASE YOUR MINIMUM PAYMENT BY THIS OVERLIMIT AMOUNT. Cardholder News "WARNING" IF YOUR ACCOUNT GOES DELINQUENT AGAIN DURING THE NEXT SIX MONTHS, YOUR ACCOUNT MAY GO INTO DEFAULT PRICING AS DEFINED IN YOUR CARDHOLDER AGREEMENT AND PRICING APPENDIX. IF YOU HAVE ANY QUESTIONS, CALL US TOLL FREE AT 1-800-253-2322. THANK YOU. YOUR 3 CREDIT SCORES ARE AN ESSENTIAL PART OF YOUR FINANCES. MANY LENDERS LOOK AT ALL 3 SCORES WHEN MAKING DECISIONS ABOUT YOUR LOANS. WITH TRUECREDIT, YOU'LL SEE HOW EACH OF YOUR SCORES COMPARE AGAINST THE REST OF THE NATION AND RECEIVE A COMPLETE ANALYSIS OF EACH SCORE. SEE WHERE YOUR CREDIT STANDS! VISIT US AT WWW.MERRICKBANK.COM/TRUECREDIT.ASPX. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322, outside U.S. call: 1-516-224-1762 www.MerrickBank.com Type of credit to which rates apply Balance on Which Finance Charge Applied Daily Periodic Rate' Nominal Anmral Percentage Rates ANNUAL PERCENTAGE RATES PURCHASES $715.42 .06767% 24.70% 24.70% CASH ADVANCES $0.00 .08136% 29.70% 29.70% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. 'PERIODIC RATES MAY VARY. EXHIBIT A 5242 0001 ZRD 1 7 8 060511 0 Page 1 of 1 5549 3000 RP59 01AJ524Z 6405 ' MERMCK BANK M E M B E R F D I C Send Payments to: Statement Date: 03/14/06 Account Number: 4120 6130 5516 3965 Page 1 of 1 Now Balance Past Due Amount Minimum Amt. Due Payment Due Date Wme m Amount Of Payment Enclosed $696.93 $0.00 $25.00 04108/06 $ MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 „?Il?r?lll,rl,Il..rr.I.I.I,I?Irrrlrrlrl.,rllrrl?lrrrlllirr, t back. CONSTANCE D HART 800 RITNER HWY SHIPPENSBURG PA 17257-9550 412061305516396500002500000696939 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $30.00 Minimum Amount Due $25.00 Billing Cycle Closing Date 03/14106 Transactions $34.00 Payment Due Date 04108/06 Days In Billing Cycle 32 FINANCE CHARGE $14.38 Credit Limit $700.00 Previous Balance $678.55 New Balance $696.93 Available Credit $2.00 Transactions, Payments and Credits 6379 Trans Date Post Date Item Description Amount 03/03 03103 7412061 EE00XTMKFQ ONLINE PAYMENT-THANK YOU SOUTH JORDAN UT 30.00 - 03/11 03/11 2461043EP03S38AT8 GIANT FOOD STORES #061 SHIPPENBURG PA 30.00 03/14 03/14 F554900ET000CYLAC ANN FEE-MNTHLY 04/06 THROUGH 04/06 4.00 PERIODIC 'FINANCE CHARGE' PURCHASES $14.38 CASH ADVANCE $0.00 14.38 YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $4.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION" Cardholder News IDENTITY THEFT IS THE FASTEST GROWING CRIME IN AMERICA. ACCORDING TO THE FEDERAL TRADE COMMISSION, THE NUMBER OF IDENTITY THEFT INCIDENTS REACHED 9.9 MILLION IN 2003. DON'T BE A VICTIM! FOR INFORMATION ON HOW YOU CAN PROTECT YOURSELF, VISIT WWW.MERRICKBANK.COM/TRUECREDIT.ASPX. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries and court notices to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 www.Merrick8ank.com e.. ne..... tose..t..?t.... u..ese .. Qe..e..en Type of credit to Which rate. apply Balance on Which Finance Charge Applied Daily Periodic Rate' Nominal Annual Percentage Rates ANNUAL PERCENTAGE RATES PURCHASES $671.05 .06698% 24.45% 24.45% CASH ADVANCES $0.00 .08068% 29.45% 29.45% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. 'PERIODIC RATES MAY VARY. EXHIBIT A 5242 0001 ZRD 1 7 8 060314 Page 1 of 1 5549 3000 RP59 01AJ5242 6379 MERMCK BANK M E M B E R F D I C Send Payments to: Statement Date: 02/10/06 Account Number: 4120 6130 5516 3965 Page 1 of 1 New Balance Past Due Amount Minimum Amt. Dua Payment Due Date Write In Amount of Payment Enclosed $678.55 $0.00 $25.00 03/07106 $ MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 „?Il?rrlllr?lrll??rrrlrlrlrl?lrrrlrrlrl?rrllrrlrlrrrllllrr? MaderC.artl or email? Print on back. CONSTANCE D HART 800 RITNER HWY SHIPPENSBURG PA 17257-9550 412061305516396500002500000678556 6390 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $30.00 Minimum Amount Due $25.00 Billing Cycle Closing Date 02110/06 Transactions $14.02 Payment Due Date 03107/06 Days In Billing Cycle 29 FINANCE CHARGE $13.17 Credit Limit $700.00 Previous Balance $681.36 New Balance $678.55 Available Credit $21.00 Transactions, Payments and Credits Trans Date Post Date Item Description Amount 01/17 01/17 2469216D200FZLNFV GULF 92034635 SHIPPENSBURG PA 10.02 02/06 02/06 7412061DMOOXTMKFE ONLINE PAYMENT-THANK YOU SOUTH JORDAN UT 30.00 - 02/10 02110 F55490ODT000CYLAC ANN FEE-MNTHLY 03/06 THROUGH 03/06 4.00 PERIODIC 'FINANCE CHARGE' PURCHASES $13.17 CASH ADVANCE $0.00 13.17 " YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $4.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION" Cardholder News "WARNING" IF YOUR ACCOUNT GOES DELINQUENT AGAIN DURING THE NEXT SIX MONTHS, YOUR ACCOUNT MAY GO INTO DEFAULT PRICING AS DEFINED IN YOUR CARDHOLDER AGREEMENT AND PRICING APPENDIX. IF YOU HAVE ANY QUESTIONS, CALL US TOLL FREE AT 1-800-253-2322. THANK YOU. THERE ARE 3 NATIONAL CREDIT BUREAUS THAT COLLECT INFORMATION ABOUT YOU. WHILE YOU MIGHT ASSUME THAT YOUR 3 CREDIT REPORTS LOOK EXACTLY ALIKE, THEY CAN ACTUALLY DIFFER SIGNIFICANTLY. WITH TRUECREDITS 3-IN-1 CREDIT REPORT, YOU'LL SEE DATA FROM ALL 3 BUREAUS IN 1 EASY-TO-READ ONLINE REPORT. FIND OUT MORE TODAY! VISIT US AT WWW.MERRICKBANK.COM/TRUECREDIT.ASPX. To ensure quality service, phone Calls may be randomly selected for monitoring or recording. Send inquiries to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 www.MorrickBank.com Type of credit to which raMe apply Balance on Which Finance Charge Applied Daily Periodic Rate' Nominal Annual Percentage Rates ANNUAL PERCENTAGE RATES PURCHASES $684.82 .06630% 24.20% 24.20% CASH ADVANCES $0.00 .08000% 29.20% 29.20% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. -PERIODIC RATES MAY VARY. FN HIBIT A 5242 0001 ZRO 1 7 8 060210 Page 1 of 1 5549 3000 RP59 Ol AJ5242 6390 MERMCK BANK M E M B E R F D I C Send Payments to: Statement Date: 01/12/06 Account Number: 4120 6130 5516 3965 Page 1 of 1 New Balance Past Due Amount Mlnlmum Amt. Due Payment Due Date Write m Amount of Payment Enclosed $681.36 $0.00 $21.00 02106/06 $ MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 MastI-! U, or email? Print on back. CONSTANCE D HART 800 RITNER HWY SHIPPENSBURG PA 17257-9550 412061305516396500002100000681369 6169 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $30.00 Minimum Amount Due $21.00 Billing Cycle Closing Date 01/12/06 Transactions $0.00 Payment Due Date 02/06/06 Days In Billing Cycle 30 FINANCE CHARGE $13.73 Credit Limit $700.00 Previous Balance $697.63 New Balance $681.36 Available Credit $18.00 Transactions, Payments and Credits Trans Date Post Date Item Description Amount 01/06 01/06 7412061QNOOXTMKFB ONLINE PAYMENT-THANK YOU SOUTH JORDAN UT 30.00 - PERIODIC `FINANCE CHARGE' PURCHASES $13.73 CASH ADVANCE $0.00 13.73 •• YOUR ACCOUNT HAS AN ANNUAL FEE THAT IS BILLED MONTHLY. THE $4.00 (PLUS $1.00 FOR EACH ADDITIONAL CARD ISSUED ON YOUR ACCOUNT) MONTHLY PORTION OF YOUR ANNUAL FEE WILL BE BILLED ON YOUR NEXT PERIODIC STATEMENT." SEE REVERSE SIDE FOR IMPORTANT RENEWAL INFORMATION- Cardholder News "WARNING" IF YOUR ACCOUNT GOES DELINQUENT AGAIN DURING THE NEXT SIX MONTHS, YOUR ACCOUNT MAY GO INTO DEFAULT PRICING AS DEFINED IN YOUR CARDHOLDER AGREEMENT AND PRICING APPENDIX. IF YOU HAVE ANY QUESTIONS, CALL US TOLL FREE AT 1-800-253-2322. THANK YOU. THERE'S NO DOUBT THAT YOUR CREDIT IS A REFLECTION OF YOU. SO MAKE SURE THAT LENDERS, LANDLORDS, AND EMPLOYERS SEE A PICTURE THAT IS ACCURATE. CREDIT MONITORING OFFERS ONGOING ACCESS TO YOUR CREDIT REPORT, WEEKLY EMAIL ALERTS AND $25,000 IN ID THEFT INSURANCE. FIND OUT HOW TO PROTECT YOUR CREDIT TODAY BY VISITING WWW.MERRICKBANK.COM/TRUECREDIT.ASPX. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322, outside U.S. call: 1-516-224-1762 www.MerrickBank.com Type of -dit to which rtes apply Balance on Which Finance Charge Applied Daily Periodic Rate' Nominal Annual Percentage Rate, ANNUAL PERCENTAGE RATES PURCHASES $690.63 .06630% 24.20% 24.20% CASH ADVANCES $0.00 .08000% 29.20% 29.20% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. -PERIODIC RATES MAY VARY. 5242 0001 ZRD 1 7 8 060112 Page 1 of 1 5549 3000 RP59 Ol AJ5242 6169 ri HIBIT A MERMCKftK MEMBER C Send Payments to: Statement Date: 12113105 Account Number: 4120 6130 5516 3965 Page 1 of 1 New Balance Past Due Amount Minimum Amt. Due Payment Due Date Writs In Amount Of Payment Enclosed $697.63 $0.00 521.00 01/07/06 $ MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 ...IIr.rIII,rlrll.,.rrlrlrl.l.Irrrlrrl?lr?rllrrl?lrrrllllrrr Mastett.vd 0 New Address or email? Print on back. CONSTANCE D HART 800 RITNER HWY SHIPPENSBURG PA 17257-9550 412061305516396500002100000697639 6119 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $25.00 Minimum Amount Due $21.00 Billing Cycle Closing Date 12/13105 Transactions $16.90 Payment Due Date 01107106 Days In Billing Cycle 33 FINANCE CHARGE $14.82 Credit Limit $700.00 Previous Balance $690.91 New Balance $697.63 Available Credit $2.00 Transactions, Payments and Credits Trans Date Post Date Item Description Amount 11/25 11/25 7412061A900XTMKFD ONLINE PAYMENT-THANK YOU SOUTH JORDAN UT 25.00 - 11128 11/28 2441800AD9N51XXLK ORIENTAL TRADING CO 800-2280475 NE 16.90 PERIODIC 'FINANCE CHARGE' PURCHASES $14.82 CASH ADVANCE $0.00 14.82 Cardholder News "WARNING" IF YOUR ACCOUNT GOES DELINQUENT AGAIN DURING THE NEXT SIX MONTHS, YOUR ACCOUNT MAY GO INTO DEFAULT PRICING AS DEFINED IN YOUR CARDHOLDER AGREEMENT AND PRICING APPENDIX. IF YOU HAVE ANY QUESTIONS, CALL US TOLL FREE AT 1-800-253-2322. THANK YOU. THERE ARE 3 NATIONAL CREDIT BUREAUS THAT COLLECT INFORMATION ABOUT YOU. WHILE YOU MIGHT ASSUME THAT YOUR 3 CREDIT REPORTS LOOK EXACTLY ALIKE, THEY CAN ACTUALLY DIFFER SIGNIFICANTLY. WITH TRUECREDIT'S 3-IN-1 CREDIT REPORT, YOU'LL SEE DATA FROM ALL 3 BUREAUS IN 1 EASY-TO-READ ONLINE REPORT. FIND OUT MORE TODAY! VISIT US AT WWW.MERRICKBANK.COM/TRUECREDIT.ASPX. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 www.Morrick8ank.com c-- --0---6.61.... aI..H..dr .. Davura:u Type of credit to which rates appN Balance on which Finance Charge Applied Daily Periodic Rate' Nominal Annual Percentage Rates ANNUAL PERCENTAGE RATES PURCHASES $684.71 .06561% 23.95% 23.95% CASH ADVANCES $0.00 .07931 % 28.95% 28.95% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. 'PERIODIC RATES MAY VARY. EXHIBIT A 5242 0001 ZRD 1 7 8 051213 Page 1 of 1 5549 3000 RP59 CIAJ5242 6119 MERMCK $ADNK Send Payments to: Statement Date: 11/10105 Account Number: 4120 6130 5516 3965 Page 1 of 1 Now Balance Past Due Amount Minimum Amt. Due Payment Due Date Write In Amount Of Payment Enclosed $690.91 $0.00 $21.00 12/05/05 $ MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 ...IIrr.III,.I,II...?.I.IrI.Irlr??l?rlrlrr?llrrlri?rrllllrrr Mdifert: dftl 11 or email? Print on back. CONSTANCE D HART 800 RITNER HWY SHIPPENSBURG PA 17257-9550 412061305516396500002100000690915 6594 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $25.00 Minimum Amount Due $21.00 Billing Cycle Closing Date 11110105 Transactions $39.79 Payment Due Date 12105/05 Days In Billing Cycle 29 FINANCE CHARGE $12.68 Credit Limit $700.00 Previous Balance $663.44 New Balance $690.91 Available Credit $9.00 Transactions, Payments and Credits Trans Date Post Date Item Description Amount 10/18 10/18 2444500947SOBWE16 CVS PHARMACY #5726 Q03 SHIPPENSBURG PA 9.99 10!31 10/31 24445009H84H9SDHO WENDYS #5105 025 SHIPPENSBURG PA 9.84 11/06 11/06 74120619POOXTMKFD ONLINE PAYMENT-THANK YOU SOUTH JORDAN UT 25.00 - 11108 11/08 24455019R42QM7SRK WAL-MART #5358 SHIPPENSBURG PA 19.96 PERIODIC 'FINANCE CHARGE' PURCHASES $12.68 CASH ADVANCE $0.00 12.68 Cardholder News "WARNING" IF YOUR ACCOUNT GOES DELINQUENT AGAIN DURING THE NEXT SIX MONTHS, YOUR ACCOUNT MAY GO INTO DEFAULT PRICING AS DEFINED IN YOUR CARDHOLDER AGREEMENT AND PRICING APPENDIX. IF YOU HAVE ANY QUESTIONS, CALL US TOLL FREE AT 1-800-253-2322. THANK YOU. "IMPORTANT CHANGE IN TERMS" EFFECTIVE ON THE FIRST DAY OF YOUR BILLING CYCLE THAT BEGINS ON OR AFTER 1115/2006, THE FEES AND PAYMENTS SECTION OF THE PRICING APPENDIX, WHICH IS PART OF THE CARDHOLDER AGREEMENT THAT GOVERNS THE USE OF YOUR MERRICK BANK CREDIT CARD IS AMENDED TO READ AS FOLLOWS: OVERLIMIT FEE: $35.00 ENCLOSED IS MERRICK BANK'S 2005/2006 PRIVACY PLEDGE. PLEASE READ AND RETAIN IT FOR YOUR RECORDS. FOR ANY QUESTIONS, CONTACT US VIA THE WEB AT WWW.MERRICKBANK.COM OR CALL US TOLL FREE AT 1-800-253-2322,24 HOURS A DAY, SEVEN DAYS A WEEK. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 www.MarrickBank.com Type of credit to which rates appty Be anoe on Which Finance Charge Applied Daily Periodic Rate' Nominal Annual Percentage Rats ANNUAL PERCENTAGE RATES PURCHASES $673.19 .06493% 23.70% 23.70% CASH ADVANCES $0.00 .07863% 28.70% 28.70% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. 'PERIODIC RATES MAY VARY. 5242 0001 ZRD 1 7 8 051110 Page I of 1 5549 3000 NA59 OIAJ5242 6594 ENRI IT A MERRICK BANK M E M B E R F D I C Statement Date: 10112/05 Account Number: 4120 6130 5516 3965 Page 1 of 1 New Balance Past Due Amount Minimum Amt. Due Payment Due Date Write in Amount Of Payment Enclosed $663.44 $0.00 $20.00 11106105 $ Mast .ud, ? New Address or email? Print on back. Send Payments to: MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 CONSTANCE D HART 800 RITNER HWY SHIPPENSBURG PA 17257-9550 412061305516396500002000000663443 5781 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $140.00 Minimum Amount Due $20.00 Billing Cycle Closing Date 10112/05 Transactions $0.00 Payment Due Date 11106105 Days In Billing Cycle 29 FINANCE CHARGE $13.06 Credit Limit $700.00 Previous Balance $790.38 New Balance $663.44 Available Credit $36.00 Transactions, Payments and Credits Trans Date Post Date _ Item Description Amount 09/16 09116 F55490083000HGDDA ELECTRONIC PAYMENT 25.00 - 09/23 09/23 74120618AOOXTMKF8 PHONE PAYMENT-THANK YOU SOUTH JORDAN UT 90.00 - 09/30 09/30 F5549008H000HGDDA ELECTRONIC PAYMENT 25.00 - PERIODIC 'FINANCE CHARGE' PURCHASES $13.06 CASH ADVANCE $0.00 13.06 Cardholder News "WARNING" IF YOUR ACCOUNT GOES DELINQUENT AGAIN DURING THE NEXT SIX MONTHS, YOUR ACCOUNT MAY GO INTO DEFAULT PRICING AS DEFINED IN YOUR CARDHOLDER AGREEMENT AND PRICING APPENDIX. IF YOU HAVE ANY QUESTIONS, CALL US TOLL FREE AT 1-800-253-2322. THANK YOU. YOUR 3 CREDIT SCORES ARE AN ESSENTIAL PART OF YOUR FINANCES. MANY LENDERS LOOK AT ALL 3 SCORES WHEN MAKING DECISIONS ABOUT YOUR LOANS. WITH TRUECREDIT, YOU'LL SEE HOW EACH OF YOUR SCORES COMPARE AGAINST THE REST OF THE NATION AND RECEIVE A COMPLETE ANALYSIS OF EACH SCORE. SEE WHERE YOUR CREDIT STANDS! VISIT US AT WWW.MERRICKBANK.COM/TRUECREDIT.ASPX. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322, outside U.S. call: 1-516-224-1762 www.Morrick5ank.com ce I'M.. . 0- 1.41- Nn?i? n Rnversa Type of oredk b whi.h rates apply Balance on Which Finance Charge Applied Daily Periodic Rate' Nominal Annual Percentage Rates ANNUAL PERCENTAGE RATES PURCHASES $693.82 .06493% 23.70% 23.70% CASH ADVANCES $0.00 .07863% 28.70% 28.70% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. 'PERIODIC RATES MAY VARY. EXHIBIT A 5242 )001 ZRD 1 7 8 051012 Page 1 of 1 5549 3000 NA59 OIAJ5242 5781 ' MERMCK BANK M E M B E R F D I C Send Payments to: Statement Date: 09113/05 Account Number: 4120 6130 5516 3965 Page 1 of 1 New Balance Past Due Amount Minimum Amt. Due Payment Due Date WNta In Amount Of Payment Enclosed $790.38 $21.00 $90.38 10/08/05 $ MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 ?„II.rrIII..Irll??r?rlrlrl?lrl?rrlrrlrlrrrllrrl?lrrrllll?rr T back. CONSTANCE D HART 800 RITNER HWY SHIPPENSBURG PA 17257-9550 412061305516396500009038000790389 5838 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $0.00 Minimum Amount Due $90.38 Billing Cycle Closing Date 09113105 Transactions $77.04 Payment Due Date 10108/05 Days In Billing Cycle 32 FINANCE CHARGE $14.77 Credit Limit $700.00 Previous Balance $698.57 New Balance $790.38 Available Credit None Transactions, Payments and Credits Trans Date Post Date Item Description Amount 08/15 08/15 2469216740OA82Z9B GULF 92034635 SHIPPENSBURG PA 13.04 09113 09113 OVERLIMIT FEE 29.00 09/07 09/07 LATE FEE 35.00 PERIODIC 'FINANCE CHARGE' PURCHASES $14.77 CASH ADVANCE $0.00 14.77 WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. THIS IS A REMINDER YOUR ACCOUNT IS ONE PAYMENT PAST DUE. IF YOUR PAYMENT HAS BEEN MAILED, PLEASE DISREGARD THIS NOTICE. Cardholder News ''WARNING" IF YOUR ACCOUNT GOES DELINQUENT AGAIN DURING THE NEXT SIX MONTHS, YOUR ACCOUNT MAY GO INTO DEFAULT PRICING AS DEFINED IN YOUR CARDHOLDER AGREEMENT AND PRICING APPENDIX. IF YOU HAVE ANY QUESTIONS, CALL US TOLL FREE AT 1-800-253-2322. THANK YOU. DON'T LET CREDIT REPORT INACCURACIES STOP YOU FROM QUALIFYING FOR THE CREDIT YOU DESERVE. CHECK YOUR 3-IN-1 CREDIT REPORT TO ENSURE THAT ITS ACCURATE AND UP-TO-DATE. TO FIND OUT HOW TO GET YOUR 3-IN-1 CREDIT REPORT IN ONE EASY-TO-READ ONLINE REPORT, VISIT WWW.MERRICKBANK.COMrrRUECREDIT.ASPX. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 www.MerrickBank.com Type of cmdk to which rate. apply alance on Which FlnBanca Charge Applied Daily Pedodic Rate' Nominal Annual Percentage Rate. ANNUAL PERCENTAGE RATES PURCHASES $718.45 .06424% 23.45% 23.45% CASH ADVANCES $0.00 .07794% 28.45% 28.45% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES. AS APPLICABLE, IS POSTED. *PERIODIC RATES MAY VARY. ENHIBIT A 5242 0004 ZRD 1 7 8 050913 X Page 1 of 1 5549 3000 NA59 01Ad5242 5838 • MERRIB K $ ANK Send Payments to: Statement Date: 07/13/05 Account Number: 4120 6130 5516 3965 Page 1 of 1 New Balance Past Due Amount Minimum Amt. Due Payment Due Date Write In Amount Of Payment Enclosed $686.99 $0.00 $21.00 08/07105 $ MasterC.:xtl ? New Address or email? Print on back. MERRICK BANK P.O. BOX 5721 HICKSVILLE,NY 11802-5721 CONSTANCE D HART 800 RITNER HWY SHIPPENSBURG PA 17257-9550 412061305516396500002100000686996 5292 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $25.00 Minimum Amount Due $21.00 Billing Cycle Closing Date 07113/05 Transactions $0.00 Payment Due Date 08!07/05 Days In Billing Cycle 30 FINANCE CHARGE $13.09 Credit Limit $700.00 Previous Balance $698.90 New Balance $686.99 Available Credit $13.00 Transactions, Payments and Credits Trans Date Post Date Item Description Amount 07108 07/08 F5549005X000HGDDA ELECTRONIC PAYMENT 25.00 - PERIODIC 'FINANCE CHARGE` PURCHASES $13.09 CASH ADVANCE $0.00 13.09 Cardholder News THERE ARE 3 NATIONAL CREDIT BUREAUS THAT COLLECT INFORMATION ABOUT YOU. WHILE YOU MIGHT ASSUME THAT YOUR 3 CREDIT REPORTS LOOK EXACTLY ALIKE, THEY CAN ACTUALLY DIFFER SIGNIFICANTLY. WITH TRUECREDITS 3-IN-1 CREDIT REPORT, YOU'LL SEE DATA FROM ALL 3 BUREAUS IN 1 EASY-TO-READ ONLINE REPORT. FIND OUT MORE TODAY! VISIT US AT WWW.MERRICKBANK.COMITRUECREDIT.ASPX. If you have set up recurring payments through our online Cardholder Center, your requested payment will be processed each month on the payment due date for the minimum amount due (which may vary each month) until your requested stop date, if any. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322, outside U.S. call: 1-516-224-1762 www.MorrickBank.com Coo "F=- Raenlufinn Idftcn" nn P-- Type of credit to which rates apply Balanoe on which Finance Charge Applied Daily Periodic Rate' Nominal Annual Percentage Rates ANNUAL PERCENTAGE RATES PURCHASES $693.90 .06287% 22.95% 22.95% CASH ADVANCES $0.00 .07657% 27.95% 27.95% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE. IS POSTED. -PERIODIC RATES MAY VARY. 5242 0001 ZRD 1 7 8 050713 Page 1 of 1 5549 3000 NA59 OIAJ5242 5292 MEWUCK BANK M E M B E R F D I C Send Payments to: Statement Date: 06/13/05 Account Number: 4120 6130 5516 3965 Page 1 of 1 New Balance Past Due Amount Minimum Amt. Dua Payment Due Date Write in Amount Of Payment Enclosed 5696.90 $0.00 $21.00 07/08/05 $ MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 -llrills/ llrrrr lrlrlrlrl.rrlrrlrlr.rlirrlr1..IIII... back. CONSTANCE D HART 800 RITNER HWY SHIPPENSBURG PA 17257-9550 412061305516396500002100000698900 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $50.00 Minimum Amount Due $21.00 Billing Cycle Closing Date 06/13105 Transactions $65.50 Payment Due Date 07108/05 Days In Billing Cycle 33 FINANCE CHARGE $13.81 Credit Limit $700.00 Previous Balance $669.59 New Balance $698.90 Available Credit $1.00 4889 Transactions, Payments and Credits Trans Date Post Date Item Description Amount 05/13 05113 F55490045000HGDDA ELECTRONIC PAYMENT 05113 05/15 2439900466HF4R7PH CRESMART 92034636 SHIPPENSBURG PA 05127 05/27 F5549004K000HGDDA ELECTRONIC PAYMENT 05128 05/30 24138294M9GWAY6T9 LOWE'S #706 CHAMBERSBURG PA PERIODIC "FINANCE CHARGE" PURCHASES $13.81 CASH ADVANCE $0.00 Cardholder News PLEASE REFER TO THE ENCLOSED INSERT ENTITLED "IMPORTANT CHANGES TO YOUR MERRICK BANK VISAS OR MASTERCARDO CARDHOLDER AGREEMENT- "FRIENDLY REMINDER! EFFECTIVE JUNE 15, 2005, THE PRIME RATE USED TO DETERMINE YOUR APR'S IS THE PRIME RATE PUBLISHED IN THE "MONEY RATES" TABLE OF THE WALL STREET JOURNAL ON THE LAST BUSINESS DAY OF EACH MONTH. IF YOU HAVE ANY QUESTIONS PLEASE CALL CUSTOMER SERVICE AT 1-800-253-2322." THERE'S NO DOUBT THAT YOUR CREDIT IS A REFLECTION OF YOU. SO MAKE SURE THAT LENDERS, LANDLORDS, AND EMPLOYERS SEE A PICTURE THAT IS ACCURATE. CREDIT MONITORING OFFERS ONGOING ACCESS TO YOUR CREDIT REPORT, WEEKLY EMAIL ALERTS AND $25,000 IN ID THEFT INSURANCE. FIND OUT HOW TO PROTECT YOUR CREDIT TODAY BY VISITING WWW.MERRICKBANK.COM/-rRUECREDIT.ASPX. If you have set up recurring payments through our online Cardholder Center, your requested payment will be processed each month on the payment due date for the minimum amount due (which may vary each month) until your requested stop date, if any. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries to: P.O. BOX 9201 OLD BETHPAGE. NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 www.MorrickBank.com Type of credit to which rates apply Balance on Which Finance Charge Applied Dally Periodic Rate' Nominal Annual Percentage Rates ANNUAL PERCENTAGE RATES PURCHASES $673.18 .06219% 22.70% 22.70%. CASH ADVANCES $0.00 .07589% 27.70% 27.70% 25.00 - 25.75 25.00 - 39.75 13.81 ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. 'PERIODIC RATES MAY VARY. J NI41 a 1IT A 5242 0005 ZR0 1 7 8 050613 Page 1 of 1 5549 3000 NA59 OIAJ5242 4889 ' M RRIBCK BANK Send Payments to: Statement Date: 05/11/05 Account Number: 4120 6130 5516 3965 Page 1 of 1 New Balance Past Due Amount Minimum Amt. Due Payment Dua Date write in Amount Of Payment Enclosed $669.59 $0.00 $21.00 06105/05 $ MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 „?Ilrrrlll?rl?llrrr?rl?l?l?lrlrrrl?rl?l?r?llrrl?lrr?llll?rr Ma5(erC.utl or email? Print on back. CONSTANCE D HART 800 RITNER HWY SHIPPENSBURG PA 17257-9550 412061305516396500002100000669596 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $25.00 Minimum Amount Due $21.00 Billing Cycle Closing Date 05/11/05 Transactions $18.60 Payment Due Date 06/05/05 Days In Billing Cycle 29 FINANCE CHARGE $12.20 Credit Limit $700.00 Previous Balance $663.79 New Balance $669.59 Available Credit $30.00 Transactions, Payments and Credits 4826 Trans Date Post Date Item Description Amount 04/11 04/13 243990036SF97DKRZ KMART 00097691 SHIPPENSBURG PA 18.60 05/05 05/05 F5549003X000HGDDA ELECTRONIC PAYMENT 25.00 - PERIODIC "FINANCE CHARGE` PURCHASES $12.20 CASH ADVANCE $0.00 12.20 Cardholder News YOUR 3 CREDIT SCORES ARE AN ESSENTIAL PART OF YOUR FINANCES. MANY LENDERS LOOK AT ALL 3 SCORES WHEN MAKING DECISIONS ABOUT YOUR LOANS. WITH TRUECREDIT, YOU'LL SEE HOW EACH OF YOUR SCORES COMPARE AGAINST THE REST OF THE NATION AND RECEIVE A COMPLETE ANALYSIS OF EACH SCORE. SEE WHERE YOUR CREDIT STANDSI VISIT US AT WWW.MERRICKBANK.COMITRUECREDIT.ASPX. "FRIENDLY REMINDER! EFFECTIVE JUNE 15, 2005, THE PRIME RATE USED TO DETERMINE YOUR APR'S IS THE PRIME RATE PUBLISHED IN THE "MONEY RATES" TABLE OF THE WALL STREET JOURNAL ON THE LAST BUSINESS DAY OF EACH MONTH. IF YOU HAVE ANY QUESTIONS PLEASE CALL CUSTOMER SERVICE AT 1-800-253-2322." If you have set up recurring payments through our online Cardholder Center, your requested payment will be processed each month on the payment due date for the minimum amount due (which may vary each month) until your requested stop date, if any. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 See "Error Resolution Notice" on Reverse Type of credit to which rates apply Balance on Which Finance Charge Applied Dally Periodic Rate' Nominal Annual Percentage Rates PERCENTAGE RATES PURCHASES $676.35 .06219% 22.70% 22.70% CASH ADVANCES $0.00 .07589% 27.70% 27.70% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. 'PERIODIC RATES MAY VARY. EXHIBIT A 5 2 4 2 0001 ZRD 1 7 8 050511 Page I of 1 5549 3000 NA59 DIAJ524Z 4826 r A MERMCK BANK M E M B E R F D I C Send Payments to: Statement Date: 04/12/05 Account Number: 4120 6130 5516 3965 Page 1 of 1 New Balance Past Due Amount Minimum Amt. Due Payment Due Date write in Amount Of Payment Enclosed $663.79 $0.00 $20.00 05/07105 $ MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 Ii.rrlllr l llrr r lrlrlrl lr. irrlrlrr llrrlrlrrrllllrr MasterCard ? New Address or email? Print on back. CONSTANCE D HART 800 RITNER HWY SHIPPENSBURG PA 17257-9550 412061305516396500002000000663799 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $30.00 Minimum Amount Due $20.00 Billing Cycle Closing Date 04/12105 Transactions $91.89 Payment Due Date 05/07/05 Days In Billing Cycle 29 FINANCE CHARGE $11.92 Credit Limit $700.00 Previous Balance $589.98 New Balance $663.79 Available Credit $18.00 Transactions, Payments and Credits 5276 Trans Date Post Date Item Description Amount 03/14 03/15 2444500292G1TY6RS SPRINT PBF CARLISLE PA 77.47 03/21 03122 24401402GO18QBIBJ USPS 4134870257 SHIPPENSBURG PA 5.85 04/01 04101 74120612VOOXTMKF9 EFT PAYMENT - THANK YOU SOUTH JORDAN LIT 30.00 - 04/05 04107 24455013OLM821G6J CRESSLERS #38 SHD SHIPPENSBURG PA 8.57 PERIODIC `FINANCE CHARGE- PURCHASES $11.92 CASH ADVANCE $0.00 11.92 Cardholder News MERRICK BANK WOULD LIKE TO WARN ITS CARDHOLDERS OF A NEW SCAM THAT IS CURRENTLY BEING WORKED THROUGHOUT THE U.S. THE POINT OF THE SCAM IS TO GET ACCESS TO THE THREE-DIGIT SECURITY CODE ON THE BACK OF YOUR CREDIT CARDS. NEVER GIVE THIS INFORMATION TO SOMEONE WHO CALLS YOU! FOR MORE INFORMATION, PLEASE VISIT OUR WEBSITE WWW.MERRICKBANK.COM DON'T LET CREDIT REPORT INACCURACIES STOP YOU FROM QUALIFYING FOR THE CREDIT YOU DESERVE. CHECK YOUR 3-IN-1 CREDIT REPORT TO ENSURE THAT ITS ACCURATE AND UP-TO-DATE. TO FIND OUT HOW TO GET YOUR 3-IN-1 CREDIT REPORT IN ONE EASY-TO-READ ONLINE REPORT, VISIT WWW.MERRICKBANK.COM/TRUECREDIT.ASPX. PLEASE REFER TO THE ENCLOSED INSERT ENTITLED "IMPORTANT CHANGES TO YOUR MERRICK BANK VISAV OR MASTERCARDO CARDHOLDER AGREEMENT" If you have set up recurring payments through our online Cardholder Center, your requested payment will be processed each month on the payment due date for the minimum amount due (which may vary each month) until your requested stop date, if any. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 See "Error Resolution Notice" on Reverse Type of credit to whirls rates apply whim Balance on which Finanu Charge Applied Dally Parodic Rate' NoMnai Annual Percentage Rates PERCENTAGE RATES PURCHASES $661.24 .06219% 22.70% 22.70 CASH ADVANCES $0.00 .07589% 27.70% 27.70% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE ?i x?jjBlT A CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE. IS POSTED, 'PERIODIC RATES MAY VARY. 5242 0002 ZRD 1 7 8 050412 Page I of 1 5549 3000 NA59 01Ad5242 5276 A MERMCK BANK ME MB E R F D I C i Send Payments to: Statement Date: 03/14105 Account Number: 4120 6130 5516 3965 Page 1 of 1 New Balance Past Due Amount Minimum Amt Due Payment Due Date Write In Amount Of Payment Enclosed $589.98 $0.00 518.00 04/08105 $ MERRICK BANK P.O. BOX 5721 HICKSVILLE, NY 11802-5721 ...III11111.d II x1111111111 111111 11111111111111 11111111 I back. CONSTANCE D HART 800 RITNER HWY SHIPPENSBURG PA 17257-9550 412061305516396500001800000589980 To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window. Account Summary An amount followed by a minus sign (-) is a credit balance unless otherwise indicated. Account Number 4120 6130 5516 3965 Payments and Credits $50.00 Minimum Amount Due $18.00 Billing Cycle Closing Date 03/14105 Transactions $591.98 Payment Due Date 04108/05 Days In Billing Cycle 32 FINANCE CHARGE $0.00 Credit Limit $700.00 Previous Balance $48.00 New Balance $589.98 Available Credit $33.00 Transactions, Payments and Credits 4997 Trans Date Post Date Item Description Amount 02/11 02/13 24399001B6HF4R7PH CRESMART 92034636 SHIPPENSBURG PA 22.00 02111 02113 24692161AOOSHEB5F COLLECTIONS ETC., INC. 620-584-8000 IL 84.83 02/12 02114 24399001QSDQY2T8Z KMART 00077461 CARLISLE PA 30.12 02/12 02/14 24455011QLM7XQIKP DENNY'S INC CHAMBERSBURG PA 24.04 02/14 02/15 24401401DO18BLEMM USPS 4134870257 SHIPPENSBURG PA 40.39 02/14 02/15 24625731 DDH6991HR FISHER'S FLORIST & GRE SHIPPENSBURG PA 26.50 02/15 02116 24692161EO05FF746 COLLECTIONS ETC., INC. 620-584-80001L 1499 02116 02/18 24455011GLM8132BE CRESSLERS #38 SHD SHIPPENSBURG PA 10.78 02/18 02/20 24029461KWGVEW29Z MARKET CROSS PUB & INN SHIPPENSBURG PA 32.14 02122 02124 24403691 NIHBHOVQQ TOLL GATE RESTAURANT & LO SHIPPENSBURG PA 42.68 02124 02/27 24399001R6HF4R7PM CRESMART 92034636 SHIPPENSBURG PA 23.00 02/26 02/27 24692161TOOW2JZ86 COLLECTIONS ETC., INC. 620-584-80001L 44,97 02126 02/28 24399001S40GP2ZPJ RED LOBSTER US00005504 CHAMBERSBURG PA 96.36 03/02 03/04 24399001Y40GP3B0A RED LOBSTER US00005504 CHAMBERSBURG PA 63.80 03104 03104 74120611 ZDOXTMKFD EFT PAYMENT - THANK YOU SOUTH JORDAN UT 50.00 - 03/10 03/13 24323012679KX72F7 RYAN'S #438 CHAMBERSBURG PA 35.36 Cardholder News BE AWARE OF "PHISHING ATTACKS". THESE ATTACKS ARE FRAUDULENT EMAILS THAT APPEAR TO COME FROM YOUR BANK OR CREDIT CARD COMPANY & REQUEST YOUR PERSONAL INFORMATION. YOU CAN VALIDATE THAT EMAILS SENT BY US ARE AUTHORIZED, BY GOING TO THE CARDHOLDER BENEFIT PROGRAMS WEB PAGE AT THE FOLLOWING URL ADDRESS: WWW.MERRICKBANK.COWBENEFITS/BENEFIT-PROGRAMS.ASPX. IDENTITY THEFT IS THE FASTEST GROWING CRIME IN AMERICA. ACCORDING TO THE FEDERAL TRADE COMMISSION, THE NUMBER OF IDENTITY THEFT INCIDENTS REACHED 9.9 MILLION IN 2003. DON'T BE A VICTIM! FOR INFORMATION ON HOW YOU CAN PROTECT YOURSELF, VISIT WWW.MERRICKBANK.COMlrRUECREDIT.ASPX. If you have set up recurring payments through our online Cardholder Center, your requested payment will be processed each month on the payment due date for the minimum amount due (which may vary each month) until your requested stop date, if any. To ensure quality service, phone calls may be randomly selected for monitoring or recording. Send inquiries to: P.O. BOX 9201 OLD BETHPAGE, NY 11804 LOST/STOLEN 877-727-6881 For Customer Service call: 1-800-253-2322 , outside U.S. call: 1-516-224-1762 See "Error Resolution Notice" on Reverse Type of credit to which rates apply Balance on Which Finance Charge Applied Daly Periodic Rate' Nominal Annual Percentage Rates PERCENTAGE RATES PURCHASES $0.00 .06082% 22.20% 22.20% CASH ADVANCES $0.00 .07452% 27.20% 27.20% ANY FINANCE CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH FINANCE CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. -PERIODIC RATES MAY VARY. 5242 0002 ZRD 1 7 8 050314 Page 1 of 1 5549 1000 NA59 01AJS242 4997 ENIIBIT A y ., A In Original Creditor Name: MERRICK BANK CORPORATION Debtor Name: HART,CONSTANCE D Co-Debtor Name: Account Number: 4120613055163965 AFFIDAVIT OF INDEBTEDNESS, NON-MILITARY SERVICE & PURCHASE OF ACCOUNT STATE OF PENNSYLVANIA COUNTY OF ALLEGHENY ss.: The undersigned, being duly sworn, deposes and says: 1. That I am a competent person over eighteen years of age. I am employed by MERRICK BANK CORPORATION within the debt collection operation of that corporation, and as such, I am fully familiar with the facts and circumstances set forth herein. 2. My job responsibilities include the performance and monitoring of collection and recovery services. In that capacity, I am familiar with the manner and methiA! by which MERRICK BANK CORPORATION creates and maintains its normal business books and records irc' ding computer records of its collection and recovery accounts. 3. Based upon my personal knowledge of MERRICK BANK CORPORATION's business records and practices for the servicing of its receivable accounts, the contents of this Affidavit are true and correct. If called upon and sworn to testify hereto, I could and would so competently testify thereto. 4. This action is based upon a Credit Card Agreement entered in to by defendant(s) with defendant(s)'s original credit grantor. Pursuant to the Credit Card Agreement, Defendant(s) agreed to pay all amounts charged to account 4120613055163965. 5. MERRICK BANK CORPORATION purchased the defendant(s)'s defaulted receivable from defendant(s)'s original credit grantor, and, succeeded to all the rights of the original credit grantor as against defendant(s). MERRICK BANK CORPORATION purchased the account on or about 10/10/2011. 6. In the ordinary course of business, MERRICK BANK CORPORATION maintains or has access to copies of account documentation including credit agreements entered into between the original credit grantor and the defendant(s). The credit agreement entitles the original credit grantor to recover, to the extent permitted by applicable law, reasonable attorney's fees and costs incurred in any action to enforce its rights under the credit agreement. MERRICK BANK CORPORATION, as purchaser of the defendant(s)'s defaulted accounts receivable, succeeded to all rights of the original credit grantor set forth in the credit agreement. 7. MERRICK BANK CORPORATION maintains, as a regular practice of its business, computer records of activity on its accounts, including payments received, amounts owing on such accounts, credits and offsets. Entries are made in such computer records by individuals at MERRICK BANK CORPORATION who have examined account information or who have relied on account information from the original credit grantor. Such entries are made by, at, or near the time the events occurred. Court Judicial (Circuit/District) 8. The just and true balance due and owing to MERRICK BANK CORPORATION by the accountholder(s) on Account number 4120613055i6? >5 is $1431.55 after all just and lawful offsets. payment and credits have been allowed together with interes •r % lowed by applicable law. Defendant(s) V 4 has incurred charges by the use of the charge account, but has c ulted in the payment to be made pursuant to the terms of the account. 9. Demand for payment of the just amount owing Plaintiff by Defendant(s) has been made and payment for the amount owing has not been tendered. 10. Upon information and belief, none of the above named defendant(s) is active in the military service of the United States or any of its allies as defined in the Soldiers & Sailor's Relief Act of 1940 with amendments. 11. All documents attached hereto (if any) are certified to be correct originals or true and correct copies of the originals being reproductions from the records of MERRICK BANK CORPORATION and/or the ]..r,redit grantor or being evidence to establish the contents of a lost or destroyed document. origina the penalty of perjury that the foregoing is true and correct. Assistant Vice President FEB 16 2012 Agent Date The forgoing affidavit sworn to and subscribed before me this 16th day of February, 2012, by the Declarant who is personally known to me. COMMON EAL1Fl OI` PENNSYLVANIA Noh?Asl F' O Jam" f A. Chi y p k ???'®! Nov. 20, 2012 WA ,3blel9110n & Notaries A088 HAYT, HAYT & LANDAU My commission expires: SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor i a'r;OTHO' r3 , 2012 MAY -4 PM 3.2 I CUMBERLAND COUNTY PENNSYLVANIA Merrick Bank Corporation vs. Constance D. Hart Case Number 2012-866 SHERIFF'S RETURN OF SERVICE 04/27/2012 03:40 PM - Stephen Bender, Deputy Sheriff, who being duly sworn according to law, states that on April 27, 2012 at 1540 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Constance D. Hart, by making known unto herself personally, at 233 E. King Street, Apartment 1, Shippensburg, Cumberland County, Pennsylvania 17257 its contents and at the same time handing to her personally the said true and correct copy of the same. SHERIFF COST: $48.45 May 02, 2012 STEPHEN BENDER, DEPUTY SO ANSWERS, RON R ANDERSON, SHERIFF IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVaNI? W CIVIL DIVISION? M '7 i..._. MERRI CK BANK CORPORATION <> _-' NUMBER: 2012-866 C!2& - CD - CONSTANCE D HART PRAECIPE FOR DEFAULT JUDGMENT AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of Plaintiff and against the Defendant(s) CONSTANCE D HART for failure to answer Plaintiff's Complaint, endorsed with twenty (20) day notice to plead, served upon Defendant(s) on APRIL 27, 2012 and assess damages as follows: Unpaid Balance: Plus Interest: Additional Charges: Plus Attorney's Fees: Less Credits, if any: $741.22 $618.83 $.00 $.00 $75.00 TOTAL DUE: -pus Pursuant to PaR.C.P.237.1, I hereby certify that notice to f' ` this Praecipe was mailed to the above named Defendant(s) and thetorney of Record (if applicable) on MAY 23, 2012 and copy/copies of the same is/are attached hereto. By: .+. as va. iu waa.a ate, "k.0%zV1axL'J 7TG.J Attorney for the Plaintiff LAW OFFICES OF HAYT, HAYT & LANDAU, LLC 123 S. Broad Street Suite 1660 Philadelphia, Pennsylvania (215) 928-1400 19109-1003 CLU? . 1 G. 56 d a14? ?M t?s3?4 a-7 ?s?H COURT OF COMMON PLEAS VERIFICATION OF NON-MILITARY SERVICE MERRICK BANK CORPORATION COMMONWEALTH OF PENNSYLVANIA - VS - COUNTY OF PHILADELPHIA CONSTANCE D HART I represent the Plaintiff in the above entitled case and am authorized to make this verification. I make this verification on behalf of the Plaintiff upon information and belief: the above named Defendant(s) is/are 18+ years of age; the address of the Defendant(s) is/are CONSTANCE D HART 233 E KING ST APT 1 SHIPPENSBURG, PA 17257 the occupation of Defendant(s) is unknown; and the Defendant(s) 46/are not in the Military Service of the United States, nor any Stat Territory thereof and its Allies as defined by the Serviceme e Civil Relief Act, 50 U.S.C. section 521. i By: ARTHUR LASHIN, Esquire, Attorney for Plaintiff I verify that the statements made in this verification are tr a and correct upon information and belief. I understand that fal statements herein are made subject to the penalties of 18 S.A section 4904 relating to unsworn falsification to authori By: ARTHUR LASHIN, Esquire, Attorney for Plaintiff LAW OFFICES OF HAYT, HAYT & LANDAU, LLC By: Arthur Lashin, Esquire Identification No. 23425 123 S. Broad Street Suite 1660 Philadelphia, PA 19109-1003 (215) 928-1400 MERRICK BANK CORPORATION 10705 SOUTH JORDON GATEWAY SOUTH JORDAN, UT 84095 DATE: MAY 23, 2012 CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION VS. ) TERM. CONSTANCE D HART 233 E KING ST APT 1 SHIPPENSBURG PA 17257 No. 2012-866 CIVIL NOTICE OF INTENTION TO TAKE DEFAULT PURSUANT TO PA.R.C.P 237.1 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten days from the date of this notice, a judgment may be entered against you without a hearing and you may lose your property or other important rights. 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. CUMBERLAND COUNTY BAR ASSOCIATION 32 S BEDFORD STREET CARLISLE PA, 17013 800-990-9108 By: Attorney for Plaintiff ARTHUR LA SHIN