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Home My WebLink About12-2565(Li _t t;F :frD 11??NJ i; 26 ifs !i ;1? CUMBERLAND c0U i v- PENNSYLVANIh, Burton Neil & Associates, P.C. By: Brit J. Suttell, Esquire ID. NO. 204140 1060 Andrew Drive, Suite 170 West Chester, PA 19380 (610) 696-2120 Attorney for Plaintiff CITIBANK, N.A. 701 East 60th Street N Sioux Falls, SD 57117 Plaintiff V. BARBARA J MINNICK 1915 Spring Road Carlisle PA 17013-1170 Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 0 -'015(05 0, J1 ` CIVIL ACTION - LAW Complaint - Notice You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claim set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERENCE AND INFORMATION SERVICE Cumberland County Bar Assoc. 32 South Bedford Street Carlisle, PA 17013 Telephone No. 717-249-3166 or 800-990-9108 C-38136 / 304 W? %I Fi? Account for the prior billing period. 8. Defendant had for many months after receipt of a billing statement made payment on the Account or retained the statement without payment. 9. Defendant retained the Exhibit A statement without making payment by the stated due date. 10. Defendant's assent to the Account balance set forth in the Exhibit A statement is manifested through the prior conduct of defendant either making payment on the Account or retaining the statement without payment, after receipt of the monthly billing statements. 11. As a result of said assent, an account stated for the sum of $20,814.45 exists which sum reflects the Exhibit A statement balance less credits, if any, which were applied subsequent to the date of Exhibit A. Wherefore, plaintiff demands judgment against defendant for the sum of $20,814.45, and the costs of this action. n it Associates, P. Bu o C. By: 1 Sarker, Esquire may: Brit J. Suttell, Esquire In making this communication, we advise Burton Neil & Associates, P.C. is a debt collector. C-38136 / 205 04/28/10 $20814.45 $20814.45 SITE:KC-CL TM:CO-5000 ACID:IR87062 L_ t w N......i-` t?? `: 4" 05/25/10 19:40:24: CITI CARDS PO BOX 183051 BARBARA J MINNICK COLUMBUS, ON 1915 SPRING RD 43218-3051 CARLISLE PA 17013-1170000 Cltl® Platinum Select" Card tie Account Number: 6627 Customer Service: 1-800.983-6453 www.citicards.com PO BOX 6500 SIOUX FALLS, SD 57117-6500 Summary of Account Activity Previous Balance $20,3 O.SO Payments . 0.00 Other Credits - 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged +$39.00 Interest Charged +$474.95 New Balance $20,814.45 Past Due Amount $3,882.26 Amt. Oyer Credit Limit $2,654.45 Credit Limit $18,1 0 Available Credit 0 Cash Advance Limit 518,1660 Available Cash Limit Statement Closing Date s0 04/02/2010 Days in Billing Cycle 31 Payment Information rm &IMPM New Balance 20,814.45 Minimum Payment Due 2Q 814.45 Payment Due Date 04/28/2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $39 late fee and your APRs may be increased up to the variable Penalty APR of 27.24%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you loncer To pav off vour balance. For example: If you make no You will pay And you will end additional charges off the balance up paying an using this card shown on this estimated total and each month you statement in of... pay... about... Only the minimum payment 1 month(s) $20,614 If you would like information about credit counseling services, call 1-877-337-8188. Sled Let 4102 LATE FEE - MAR PAYMENT PAST DUE 66 O FEES FOR THIS PERIOD TOTAL Interest Charged 4102 PURCHASES•INTEREST CNARCE•PERIODIC RATE 000 4/02 PURCHASES+INTEREST CHARGE*PERIODIC RATE 84 O NT O EREST FOR THIS PERIOD TOTAL I 39.00 70000000000 39.00 23.00 70000000000 451.95 70000000000 474.95 Your 1 to fee was base on your account balance as of the payment due date (03/28/10), which was $20,300.50. Help is available: Please call the toll-free number shown above to learn about our special payment options. Call Monday - Friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. Please give us the opportunity to assist you. EXHIBI? ? BARBARA J MINNICK Sate Date Post Date Reference Number Addy Sine Last Statement AmouNt Contact us today - we can help! Go online at www.paymentsolutions.citicaras.com to login or register. Davs This Billing Period: 31 Rabe Summary Baiance Subject to Periodic Nominal ANNUAL Interest charge Rate APR P tMOTAK RATE_ PURCHASES Stand rd Purch $994.13 0.07463%(D) 27.240% 27.240% Purch/Adv Thru 09/04/2007 $19,535.27 0.07463%(D) 27.240% 27.240% ADVANCES Standard Adv $0.00 0.07463%(D) 27.240% 27.240% Verification Ashley Cooley I, , am employed by Citibank, N.A. (hereafter Citibank), which is successor in interest to Citibank (South Dakota), N.A. This includes accounts previously owned by Citibank (South Dakota), N.A. which merged into Citibank in or about July 2011. 1 am authorized to make this verification on behalf of Citibank. The statements of facts set forth in the Complaint are true and correct upon my information and belief and are made subject to the penalties of 18 Pa. C.S. Section 4904, relating to unswom falsification to authorities. i Signatur C-38136 Barbara J Minnick Account number ending 6627 1000 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor ?p??rxS'±' Q1 funLrrl.r??? Vii.. iiiI-- PIP, 1 ` C{#i013+ 2917 MAY -4 PM 3: 21 CUMBERLAND COU -1 Y PENNSYLVANIA Citibank, NA vs. Barbara J. Minnick Case Number 2012-2565 SHERIFF'S RETURN OF SERVICE 04/27/2012 07:30 PM - Stephen Bender, Deputy Sheriff, who being duly sworn according to law, states that on April 27, 2012 at 1930 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Barbara J. Minnick, by making known unto Edward Minnick, Husband of Defendant at 1915 Spring Road, Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same time handing to him personally the said true and correct copy of the same. SHERIFF COST: $34.00 May 02, 2012 STEPHEN BENDER, DEPUTY SO ANSWERS, RON R ANDERSON, SHERIFF CitiBank, N.A. Plaintiff vs. Barbara J. Minnick 1915 Spring Road Carlisle, PA 17013 Defendant Answer to Notice Court of Common Pleas Cumberland County NO: 12-2565- CIVIL .rv < - = e td 1. Plaintiff is CitiBank, N.A. 2. Defendant is Barbara J. Minnick 3. Correct, Balrbara J. Minnick was issued credit card ending in 6627. 4. Correct, Barbara J. Minnick accepted and used the account. 5. Correct, the account is in default. 6. 1 enter my 'Exhibit "A" which is a copy of a letter sent certified mail to Burton, Neil and Associates, PC stating that my intention is to pay and that I have entered into an agreement with AIIState National, successors of Freedom Fidelity Management to settle this account as soon as possible. Barbara J. Minnick 05/25/2012 1 April 30, 2012 ¦ Complete Items 1, 2, and 3. Also complete A. item 4 if Restricted Delivery is desired. ¦ Print your name and address on the reverse so that we can return the card to you. ¦ Attach this card to the back of the mailpiece, or on the front if space permits. COO ps7 Neil Sarker Burton, Neil & Associates, PC 1060 Andrew D rive, Suite 170 West Chester, PA 19380 REF: C-38136'/ 205 Barbara J. Minnick CitiBank', - Card ending 6627 Dear Mr. Sarker, It has always been my intention to pay off this debt that I have with CitiBank / Mastercard. In October!of 2009, my husband and I entered into a contract with Freedom Fidelity Management to settle our credit card accounts. We continue to make progress in getting our debt paid down. Unfortunately for CitiBank, the Discover Card account is the one that is being paid down first. As I understand from "AIIState National" successors of Freedom Fidelity, they have been in touch with CitiBank, however, no realistic settlement payment arrangements have been reached. Since 20091, my husband and I have continued to run up against financial hardships. My husband chnged job, (due to his company restructuring) however, he has gotten another job, but not at the some rate of pay. Health care costs and continued medical and dental expenses makes it difficult to make ends meet. Also, having unforeseen car expenses arise, continues to set us back. We struggle each month to make the mortgage payment. My hope is that CitiBank will come up with a settlement, that is agreed upon by all, and that we can get them paid back as soon as possible. If you have any questions, please contact Andrew from AIIState National at 1-888-443-3648. Sincerely, ,11. 1 ? vtJ,,1? Barbara J. Minnick 1915 Spring Road Carlisle, PA V013 bj m 1. Article Addressed to: ?3v,e rV d , nl ?t t ? A 5s tr- , o ?vFST AI- ino P C,5 Cg ESTER , Pq /10 Exhibit "All EK C. 13 ,O. its delvery addr^s different from 1? L ]Yes V If YES, enter delivery address b ow: ? No 3 ce Type Certifled Mail ? Express Mail ? Registered ? Return Receipt for Merchandk ? Insured Mail ? C.O.D. 4. Restricted Delivery? (Extra Fee) ? Yes 2. Article Number 7 010 1060 0001 1049 0 611 (Transfer from service /abed Ps Form 3811, February 2004 Domestic Return Receipt 102595-02-M-1'. jr[L ED-OFFICE ')F THE PR0TH0NO*rAFy 2013 MAY 10 AN 10. 38 CUMBERLAND COUNTY PENNSYLVANIA BURTON NEIL&ASSOCIATES, P.C. Neil Sarker, Esquire ID.NO. 203465 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK,N.A. IN THE COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA V. NO. 12-2565 BARBARA J. MINNICK Defendant : CIVIL ACTION -LAW Plaintiffs Motion for Summary Judgment Now comes plaintiff, Citibank,N.A., by and through its undersigned attorneys of record, Burton Neil &Associates, P.C., and hereby moves under Pa. R. C. P. 1035.2 for summary judgment for it and against defendant, Barbara J. Minnick, in the sum of$20,814.45, plus the costs of this action, and, in support thereof, avers as follows: 1. The pleadings, consisting of the complaint and answer, are closed. 2. Plaintiff served defendant with requests for admission which defendant answered. True and correct copies of the requests for admission and defendant's answers thereto are attached hereto, incorporated herein and marked Exhibits A and B, respectively. 3. Plaintiff's affidavit in support of summary judgment is attached hereto, incorporated herein and marked Exhibit C. 4. There is no genuine issue of material fact which will require a trial. Therefore, plaintiff is entitled to summary judgment. Wherefore,plaintiff, Citibank,N.A., moves the Court to enter summary judgment pursuant to Pa. R. C. P. 1035.2 for it and against defendant, Barbara J. Minnick, in the sum of $20,814.45,plus the costs of this action. Burton Neil & ciates, P.C. By Neil Sark , Esquire Attorney for Plaintiff In making this communication, we advise our firm is a debt collector. Burton Neil LAW OFFICES Edward J.O`Brien Yale D.Weinstein BURTON NEIL&ASSOCIATES,P.C. Derek C.Blasker I060 ANDREW DRIVE,SUITE 170 Brit J. Suttell WEST CHESTER,PENNSYLVANIA 19380 Neil Sarker 610-696-2120 I� Trenton A.Farmer Facsimile 610-696-4111 I Email:Burton.neil@burt-law.com burt-law.com Refer to File# August 6, 2012 C-38136 Barbara J Minnick 1915 Spring Road Carlisle PA 17013-1170 RE: Citibank,N.A. Successor in interest to Citibank(South Dakota),N.A./CITI MASTERCARD Account with Barbara J Minnick Account number ending in 6627 Dear Ms. Minnick: I herewith serve upon you plaintiff's First Set of Request for Admissions, Interrogatories, and Request for Production of Documents. Trker NS/ef NOTE: Citibank(South Dakota),N.A. merged into Citibank,N.A., effective July 1, 2011,as approved by the Office of the Comptroller of the Currency. Citibank,N.A. is successor in interest to the account. • - In makin; MAIL,, RECEIPT it collector. to (Domestic Mail Only;No insurance Coverage Provided) rn r-1 For delivery Intormation visit our website at www.uspe.comu tr ©TNCIAL. USE a S ru Postage a M Certified Fee Postmark C3 Return Reeeq[ Fee Here G (Errdoroernent Required) Restrkted Delivery Fee C3 (Endorsement Required) STotal Postage 6 Fees O MR 0 ru r9 Ki"4—* W.-----------------°--.....-------------»----------------°°---------- 0 or PO 8oz No. F 'cni sier�:ziPra' -------------------------------------------...... -._........ PS Form 3800,August 2006 See Reverse for Instructions EXHIBIT A CITIBANK,N.A. : IN THE COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA V. NO.12-2565 CIVIL BARBARA J MINNICK Defendant : CIVIL ACTION -LAW Plaintiff's Requests for Admission,Interrogatories and Request for Production You are served with plaintiffs requests for admission, interrogatories and requests for production together with monthly billing statements which are hereafter referred to as"Account Statements"or when referred to an individual statement the "Account Statement". Requests for Admission In accordance with the Pennsylvania Rules of Civil Procedure, each matter is admitted unless, within thirty days after service of the request,or within such shorter or longer time as the court may allow,the party to whom the request is directed serves upon the party requesting the admission an answer verified by the party or an objection,signed by the party or by the party's attorney;but,unless -the court shortens the time,a defendant shall not be required to serve answers or objections before the expiration of forty-five days after service of the original process upon him or her. If objection is made,the reasons therefore shall be stated.The answer shall admit or deny the matter or set forth in detail the reasons why the answering party cannot truthfully do so. A denial shall fairly meet the substance of the requested admission, and when good faith requires that a party qualify the answer or deny only a part of the matter of which an admission is requested, the party shall specify so much of it as is true and qualify or deny the remainder. An answering party may not give lack of information or knowledge as a reason for failure to admit or deny unless the answering party states that he or she has made reasonable inquiry and that the information known or readily obtainable by him or her is insufficient to enable him or her to admit or deny. A party who considers that a matter of which an admission has been requested presents a genuine issue for trial may not,on that ground alone,object to the request. That party may, subject to the provisions of Rule 4019(d), deny the matter or set forth reasons why he or she cannot admit or deny it. Interrogatories In accordance with the Pennsylvania Rules of Civil Procedure,you are to respond within thirty(3)0) days after service of these interrogatories.The response shall be inserted in the space provided after each of the interrogatories; attach additional pages if more space is needed for the response.These interrogatories are continuing and demand is hereby made to amend or supplement the answers as is required by the Pennsylvania Rules of Civil Procedure. If the answering party is a minor, a decedent's estate or an individual who is incompetent or under legal disability to provide answers, the individual providing answers shall state his or her name and the authority under which he or she is providing the answers.Full and complete answers the interrogatories must be provided and signed by the party making the answers. Request for Production of Documents In accordance with the Pennsylvania Rules of Civil Procedure,you are to respond within thirty(30) days after service of these requests for admission. It is acceptable that the answer and produced documents be copied and mailed. Definitions When used in these requests for admission, interrogatories and requests for production,the words or phrases below will mean the following: Plaintiff mean Citibank,N.A. successor in interest to Citibank(South Dakota),N.A. Defendant,you,your, or yours means the person whose name and address appears above as the named defendant in this lawsuit. Document means the original, all drafts and notes thereof, and all copies of any written,printed, recorded,charted,taped,graphic or magnetic matter(including,but not limited to,video tapes,audio tapes, and computer tapes and discs),however produced,reproduced or prepared including email. This request applies to all documents in your possession, custody or control or in the possession, custody or control of persons action or purporting to act on you behalf,including,but not limited to, your present and former agents,accountants, debt management companies and attorneys. refers to the credit card account which is the subject matter of the complaint. Identify with regard to a person means the person's full name, last known home and business address and telephone number. Account or credit card account means the credit card account(s) which is/are the subject of this lawsuit as identified by the last four numbers for the account(s)as stated in the complaint. Account Statements or account statement means attached billing statements. In making this communication, we advise Burton Neil & Associates,P.C. is a debt collector. This is an attempt to collect a debt and any information obtained shall be used for that purpose. Requests for Admission With reference to the Account Statements served with the requests for admission,interrogatories and requests for production: 1. You admit plaintiff mailed,transmitted or provided each of the Account Statements to you. 2. You admit you received the Account Statements. 3. You admit that the Account Statements are correct copies of the Account Statements you previously received. 4. You admit that the detail for charges in the Account Statements is accurately reflected. 5. You admit that the detail for credits in the Account Statements is accurately reflected. 6. With regard to each of the Account Statements which reflect a credit for a payment: A. You admit you reviewed the Account Statement. B_ You admit that after determining the Account Statement information was correct,you then made a payment to plaintiff. C. You admit that for each month you made a payment that a credit for the payment was correctly set forth in the following month's Account Statement. 7. With regard to each of the Account Statements which reflect no credit for payment: A. You admit you reviewed the Account Statement. B. You admit that after determining that the Account Statement information was correct, you did not make a payment by the payment due date. C. You admit that for each month in which you did not make a payment that the following month's Account Statement correctly reflected no payment was made. 8. You admit that you made the payment or you caused the payment to be made in the amount shown in each of the Account Statements for which a credit for a payment is reflected. 9. You admit as to each Account Statement which reflects no credit for a payment made, that a payment was not made by the due date stated in the prior month's statement. 10. You admit that the last payment on the account was made on September 28, 2009. 11. You admit that within sixty(60) days from your receipt of each Account Statement that a written billing error notice was not sent to plaintiff. 12. You admit plaintiff is a national bank organized and existing under the laws of the United States of America. 13. You admit that Citibank(South Dakota),N.A. merged into Citibank,N.A. on or about July 2011. Interrogatories 1. Identify each person who provided information for the answer to the requests for admission, these interrogatories and the requests for production. 2. If the response to any of the requests for admission is a denial, explain in detail each fact upon which you rely for your denial. 3. According to your records, what was the date and the amount of the last payment you made on the Account? 4. According to your records, what was the balance owed on the Account as of the date your last payment? 5. According to your records, what is the amount you contend is currently owed on the Account? 6. If the balance you contend is owing on the Account is different than the sum set forth in the complaint, explain in detail how your arrived at the sum set forth in your response to interrogatory no. 5. 7. Identify each person you will call as a witness at the trial of this case. 8. Provide a summary of the facts to which each person identified in your response to interrogatory no. 7 will testify at trial. 9. If a person identified in your response to interrogatory no. 7 will be called as an expert witness, identify the person by name,address and telephone number. 10. State the subject matter on which the expert will testify. 11. State the substance of the facts to which the expert is expected to testify. 12. State the substance of the opinion to which the expert is expected to testify. 13. State a summary of the grounds for the opinion to which the expert is expected to testify. 14. State whether any person designated as an expert witness prepared a written report of findings and opinions. Request for Production of Documents Request for Production No. 1 If any fact in response to interrogatory no. 1 is supported by a document,produce the document upon which you rely for your denial to the requests for admission. Request for Production No.2 Produce all documents, letters,papers or writings of any kind that you intend to introduce at trial. Request for Production No.3 Produce all documents, letters,papers, contracts,agreements, drafts, cancelled checks, cash or money order receipts or writings of any kind on which you rely in support of the answer you filed in this case. Request for Production No. 4 Produce the resume or curriculum vitae of each person you identified as an expert witness. Request for Production No.5 Produce the report prepared by each person you identified as an expert witness. Request for Production No. 6 Produce proof of the last three payments you made on the account. Such proof shall be in the form of a cancelled check or other bank record which reflects the date and amount of the payment. Burton Neil &Associates, P.C. By: Neil Sarker, l6quire In making this communication, we advise Burton Neil & Associates,P.C. is a debt collector. This is an attempt to collect a debt and any information obtained shall be used for that purpose. C-38136 Visit: www.melloncreditcard.accountonline.com _ 6L2721711L253005108 6627 07/28/03 12171.16 $253.00 00 Al 1184 2 MC 4 MELLON P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 For customer Service,call or write [@/ Mellon Platinum 1-877-888-5132 A,,,,,,,,t w....0-.- Te.-*ells.q>-"-ne PO Box 44167 to mb ads eamnq.el 6627 „et„-T e,,,lyde. Jacksonville, FL �ICEIVED 8Y S:00 PM LOCAL TIME ON 01/28/2003 32231-4167 statement/Closing Date Iota[Credit Line Avadahle Credit Line Cash Advance Limit AvaileDk Cash Limit Now Balance 07/03/2003 $21200 $9028 $21200 $9028 $12171.16 Armed nt 0v ` Past Due wrW Aa. Minimum Due Mlnlmum Amount Due $0.00 + $0.00 + $253.00 = $253.00 Sale Data Post Date Reference Number Activity Since Last Statement Amount Pa rents Credits & Adjustments 6/23 70246201 PAYMENT (HANK YOU -220.00 Standard Purch 6/18 6/18 16TTM103 UN I MARTS 4423A CARLISLE PA 25.30 6/25 6/25 BSXP3NTQ CARLISLE SMALL CARLISLE PA 165.00 6/27 6/27 35MBRGX4 CARLISLE COUNTRY LIVIN CARLISLE PA 168.52 7/03 PURCHASES•FiNANCE CHARGE'PERIODIC RATE 93.34 Rate Sale - Charged To Offer 4 7/03 ADVANCES•FINANCE CHARGE•PERIODIC RATE 60.88 Balance Transfer - Charged To Offer 5 6/10 6/10 BRH27C80 BALANCE TRANSFER CHK 9287WILM DE 1,083.98 7/03 PURCHASES•FINANCE CHARGgE•PERIODIC RATE 4.28 7/03 PURCHASES'FINANCE CHARGE PERIOD1CeRATE .82 Balance Transfer, - Charged To Offer 7 7/03 PURCHASES,FIHANCE CHARGEPERIODIC RATE .74 Balance Transfer - Charged To Offer 8 7/03 PURCHASES*FINANCE CHARGE*PERIODIC RATE .73 Account Summary Previous + Purchases Payments + �= New Balance S Advances S Credits CHARGE Balance PURCHASES 7,068.11 $1,442.80 $135.85 99.91 $8,474.97 ADVANCES 3,719.46 $0.00 $84.15 160.88 $3,696.19 TOTAL $10,787.57 $1,442.80 $220.00 $160.79 $12,171.16 a ance Subject o er[ Ic omina Rate Summary Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $6 105.33 0.05096%(0) 18.600% 18.600% Offer 5 868.82 0.01641%(D) 5.990% 5.990% Offer 6 499.13 0.00545%(D) 1.990% 1.990% Offer 7 450.31 0.00545%(D) 1.990% 1.990% Offer 8 1111.63 0.02189%(D) 7.990% 7.990% ADVANCES Standard Adv $0.00 0.05477%(D) 19.990% 19.990% Offer 4 $3,718.11 0.05458%(D) 19.920% 19.920% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.melloncreditcard.occountonline.com 6627289638521005100 6627 08/29/03 1 $521.00 00 V1 1184 2 MC 4 MELLON P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 17013-1170000 PA For customer&e rvlce.catl or write ({/ Metion Platinum 1-877-888-5132 ♦e�n ..�.�.._�-- ie reparf HIAne e,rm,�Itr nmeerre.yeaeaRwa PO Box 44167 6627 net preserveve rW*& Jacksonville, FL ..+cnr rvaa pc n!CE1VEO BY 5:00 PM LOCAL TIME ON 00/29/2003 32231-4167 Statenwnt/Clasing Date 1 otal credit Line Available Credli Line Casa Advewe Limit Available Cash Limit New Balance 08/05/2003 $21200 $8303 $21200 $8303 $12896.38 Amount Over Purcl+/Adr Crept Line Past Due Minimum Oue Mlnimum Amount Due $0.00 + $253.00 + $268.00 = $521.00 sale Data Post We Reference Number AdivltT Sim@ Last statement Arnmmt Standard Purch 8/05 LATE FEE - JUL PAYMENT PAST DUE 35.00 7/05 7/05 VSTND6G' WALMART 42574 SE2 CARLISLE PA 138.86 7/05 7/05 FTVP3D9J TRACTOR-SUPPLY-CO #026 CARLISLE PA 36.96 7/08 7/08 L387YCDS KMART 00077461 CARLISLE PA 71.07 7/12 7/12 2NXP3NTQ CARLISLE SMALL CARLISLE PA 70.75 7/30 7/30 9NIPCXFe WALMART 42574 SE2 CARLISLE PA 149.19 7/31 7/31 53Y83232 GIANT FOOD STORES #S1A CARLISLE PA 11.61 8/05 PURCHASES■FINANCE CHARGE•PERIODIC RATE 112.72 Rate Sale - Charged To Offer 4 8/05 ADVANCESIFINANCE CHARGE*PER10DIC RATE 62.67 B a lance Transfer - Chargged To Offer S 8/05 PURCHASES•FINANCE CHARGE*PERIODIC RATE 18.45 Belence Transfer - Chargged To Offer 6 8/05 PURCHASES'FINANCE CHARGE•PERIODIC RATE 8.42 Balance Transfer, - Chargged To Offer 7 8/05 PURCHASESRFINANCE CHARGE-PERIODIC RATE 7.63 Balance Transfer - Charged To Offer 8 B/05 PURCHASES«FINANCE CHARGEePERIODIC RATE 1.89 The Annual Percentage Rate on your promotional or transferred balances has been increased due to one of the following reasons stated in your Card Agreement with us: you failed to make a payment to us when due, You exceeded your credit line or you made a payment to us that was not honored by your bank. Your account is past due. Please pay the Minimum Amount Due shown. If you have already sent us this payment, thank you. Peace of mind is knowing... your Mellon Bank Card account is protected if your Income stops. Call 1-866-247-9425 to find out how you can be protected and receive $40 in rebate coupons when you enroll. SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.melloncreditcard.accountonline.com 00 V1 1184 2 MC 4 BARBARA J MINNICK Sab Cato Post Date Reference Number Actin"Since Last Statement Amount Account Summery revious + Purchases Payments + {= New Balance b Advances S Credits CHARGE Balance PURCHASES 58,474.97 $513.44 0.00 $149.11 59,137.52 ADVANCES $3,696.19 $0.00 0.00 $62.67 $3,758.86 TOTAL $12,171.16 $513.44 0.00 $211.78 $12,896.36 Balance Subject o Periodic omina Rate Summary Finance Charge Rate APR PERCENTAGE RAT PURCHASES Standard Purch =f6,702.60 0.05096%(D) 18.600% 18.600% Offer 5 S1 097.18 0.05096 11(D) 18.60016 18.60016 Offer 6 500.89 0.05096%(D) 18.600% 18.600% Offer 7 453.83 0.05096%(D) 18.60014 18.600% Offer 8 112.42 0.05096%(D) 18.600% 18.60016 ADVANCES Standard Adv $0.00 0.05096%(D) 18.600% 18.600% Offer 4 $3,726.49 0.05096%(D) 18.600% 18.60016 SEND PAYMENTS TO: - 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.melloncreditcard-accountonline.com 6627297362270005308 6627 1109/29/03 12973.62 $270.00 00 Al 1184 2 MC 4 MELLON P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 For Customer Service,call or writ* ©/ Mellon Platinum 1-877-888-5132 •___.._...... Terepvtt114pw+an,�IM PO Box 44167 6627 pY111�,,, Jacksonville, FL ''rAYMLNi-MUST---RECEIVED BY 5:00 PM LOCAL TIME ON 09/29/2003 32231-4167 Statoment/CMSInq Date Total CredR Line AvwiabM Credit Lin* Cash Advance Limit Available Cash Limit Nor Balance 09/04/2003 $21200 $8226 $21200 $8226 $12973.62 Amount Over PurcT/Adv Credit Line Past Due M inirnum Due Mlnlmum Amount Due $0.00 + $0.00 + $270.00 = $270.00 Sob Data Post Date R*ferenoe Rumtrr Activ"Since Lost Statement Amount Payments Credits & Adjustments 8/06 43783280 PAYMENT (HANK YOU -255.00 9/02 61727307 PAYMENT THANK YOU -275.00 Standard Purch 8/08 8/08 JQV*Y4G• WALMART 42574 SE2 CARLISLE PA 81.49 8/09 8/09 GNXP3NTQ CARLISLE SMALL CARLISLE PA 70.75 8122 8122 9LLPL3Q3 UNI MARTS #4234 CARLISLE PA 25.30 8/24 8124 335NM3Q3 UNI MARTS #4234 CARLISLE PA 28.35 8/30 8/30 277HGTF• WALMART 42574 SE2 CARLISLE PA 203.94 9/04 PURCHASES•FINANCE CHARGE•PERIDDIC RATE 108.52 Rate Sae - Charged To Offer 4 9/04 ADVANCE!-FINANCE CHARGE•PERIODIC RATE 56.56 Balance Transfer - Charged To Offer 5 9/04 PURCHASES•FINANCE CNARGE'PERIODIC RATE 16.95 Balance Transfer - Charged To O/fer 6 9/04 PURCHASES•fINANCE CHARGE•PERIO0 C RATE 6.62 Balance Transfer - Charged To 01fer T 9/04 PURCHASES•FINANCE CHARGE+PERIODIC RATE 7.03 Balance Transfer - Charged To Offer 8 9/04 PURCHASES•FINANCE CHARGE•PERIODIC RATE 1.73 Peace of mind is knowing... your Mellon Bank Card account is protected if your income stops. Call 1-866-631-0155 to find out how you can be protected and receive $50 in rebate coupons when you enroll. Account Summary Previous + Purchases Payments r (=)New Balance Advances 5 Credits CHARGE Balance PURCHASES 9,137.52 $409.83 376.77 $140.85 9,311.43 ADVANCES 3,758.86 $0.00 153.23 $56.56 13,66219 TOTAL $12,896-38 $409.83 530.00 $197.41 $12,973..62 Rate Summary Balance Subject o eria le Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch 57,098.25 0.05096%(D) 18.600% 18.600% Offer 5 1111011,77 0.05096%ID) 18.600% 18.600X, Offer 6 433.00 0.05096%,(D) 18.600% 18.600% Offer 7 459.66 0.05096%(D) 18.600% 18.600% Offer 8 113.32 0.05096%(D) 18.600% 18.600% ADVANCES Standard Adv $0.00 0.05096%(D) 18.600% 18.600% Offer 4 $3,699.46 0.05096%(D) 18.600% 18.600% SEND PAYMENTS 10: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit. www.melloncreditcard.occountonline.com _ 66273374b3278005407 6627 10/29/03 13374.63 $278.00 00 Al 1184 2 MC 4 MELLON P.O. BOX 1B2564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 For Customer Service,calf or write @/ M@Ilbn Platinum 1-877-BBB-5132 A-," --•� T�rK�t►lrwq wsu�.�rifr eoa,uaetra,eam„y�i PO Box 44167 6627 not Ore..eT.,.right. Jaeksonvi 1 ie, FL .,..+cn. ....'BE RECEIVED BY 5:00 PM LOCAL TIME ON 10/29/2003 32231.4167 Statement/C105ln0 Date rotai Credit Lk* AVaneble Credit Line Cash AQaawe Limit Available Cash Limit Mew Balance 10/06/2003 $21200 $7825 $21200 $7825 $13374.63 CredittUna` Past Due pvrchlAdv Minimum Due Minimum Amount We $0.00 + $0.00 + $278.00 = $278.00 Saie Date Post Date Reference Num bar Activity Since Lest Statement Ammmt Payvents Credits & Adjustments 9/29 62430353 PAYMENT (HANK YOU -270.00 Standard Purch 9/12 9/12 C41J79FS KMART 00097691 SHIPPENSBURG PA 51.49 9/20 9/20 HPXP3NTQ CARLISLE SMALL CARLISLE PA 70.75 9/22 9/22 8HWMS3P7 NELL'S-SPRINGROAD SNS CARLISLE PA 66.58 9/28 9/28 KN25CKFO WALMART 42574 SE2 CARLISLE PA 267.04 10/06 PURCHASES'FINANCE CHARGE'PERIODIC RATE 120.89 Rate Sale - Charged To Offer 4 10/06 ADVANCES•FINANCE CHARGE•PERIODIC RATE 59.90 Balance Transfer - Chargged To Offer S 10/06 PURCHASES* CHARGE•PERIODIC RATE 18.03 Balance Transfer - Charged To Offer 6 10/06 PURCHASES*FINANCE CHARGE•PERIODIC RATE 7.02 Balance Transfer - Charged To Offer 7 10/06 PURCH AS ES*FINANCE CHARGE'PERIODIC RATE 7.47 Balance Transfer - Charged To Offer 8 10/06 PURCHASES•FINANCE CHARGE'PERIODIC RATE 1.84 Peace of mind is knowing... your Mellon Credit Card account is protected if your Income stops. Call 1-877-300-2927 to find out how you can benpro�ected. Receive a $15 rebate coupon when Account Summary Previous + Purchases Payments + (= New Balance b Advances 6 Credits CHARGE Balance PURCHASES F9,311.43 $455.86 $198.93 $155.25 9,723.61 ADVANCES 53,662.19 $0.00 $71.07 :59.90 13,651.02 TOTAL $12,973.62 $455-86 $270.00 $215.15 $13,374.63 Rate Summary Balance Subject to Periodic Nominaf ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch 7,413.04 0.05096%(D) 18.600% 18.60016 Offer 5 1 105.43 0.05096%(D) 18.60016 18.60076 Offer 6 430.60 0.05096%(D) 18.600% 18.6007E Offer 7 458.29 0.05096%(D) 18.600iG 18.600% Offer 8 112.97 0.0509616(D) 18.600% 18.6001E ADVANCES Standard Adv $0.00 0.05096%(D) 18.600% 18.600% Offer 4 $3,673.47 0.05096%(D) 18.600% 18.6001E SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE Of THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.melloncreditcard.accountonline.com 6627371622286005501 6627 11/28/03 13746.22 $28b.00 00 Al 1184 2 MC 4 MELLON P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD_ 43218-2564 CARLISL 17013-117000 0 PA For Customer Service,caR or write @/ Mellon Platinum 1-877-888-5132 Account.ni,,,..1-• Y"'P �'^"'��r` PO Box 44167 ;6627 r„t°fPww'wmip Jacksonville, FL ......-... �..a,•vc•nEtEIYED BY 5:00 PM LOCAL TIME ON 11/28/2003 32231-4167 Statement/Closing Date lotar CrOdl Line Avauable Credit tine CaSh Advance Limit Available CASH Limit Mow Belenee 11/04/2003 $21200 $7453 $21200 $7453 $13746.22 Amount Over PurcA/Adr Credit Ling Pest Due Minimum Due Minimum Amount Due $0.00 + $0.00 + $286.00 = $286.00 Sale Date Post Data Reference Number Activity Since Lest Statement Amount Payments, Credits d Adjustments 10/30 42195331 PAYMENT THANK YOU -280.00 10/15 10/15 3YVQOKTM RITEdAID STORE 3607 CARLISLE PA 14.37 10/15 10/15 6MZX8HC8 NELL`S-SPRINGROAD SNS CARLISLE PA 23.46 10/19 10/19 4RV9Z4G* WALMART 112574 SE2 CARLISLE PA 117.88 10/25 10/25 RFRRH503 UNI MARTS 44234 CARLISLE PA 30.20 10/28 10128 XPXP3NTO CARLISLE SMALL CARLISLE PA 70.75 10/30 10/30 5Q4909ZK QUALITY WHOLESALE CARLISLE PA 9.00 11/02 11/02 FLJDDKF* WALMART #2574 SE2 CARLISLE PA 185.51 11/04 PURCHASES-FINANCE CHARGE-PERIODIC RATE 115.13 Rate Sale - Charged To Offer 4 11/04 ADVANCES*FINANCE CHARGE•PERIODIC RATE 54.12 Balance Transfer - Charged To Offer 5 11/04 PURCHASES*FINANCE CHARGE*PERIODIC RATE 16.35 Balance Transfer - Charged To Offer 6 11104 PURCHASES*FINANCE CHARGE*PERIODIC RATE 6.37 Balance Transfer - Charged To Offer 7 11/04 PURCHASES*FINANCE CHARGE*PERIODIC RATE 6.78 Balance Transfer - Charged To Offer 8 11/04 PURCHASES*FINANCE CHARGE*PERIODIC RATE 1.67 Your Mellon Bank Card can provide shopping convenience and account protection. Call 1-866-247-9186 to learn how to protect your account and receive a $15 rebate coupon when you enroll. Accotait Summary Previous + Purchases eymen s + (= New Balance G Advances S Credits CHARGE Batance PURCHASES 9,723.61 $451.17 $207.53 $146.30 $10,113.55 ADVANCES 3,651.02 $0.00 $72.47 554.12 $3,632.67 TOTAL $13,374.63 $451.17 $280.00 $200.42 $13,746.22 Rate Summary a ante Subject o ergo lc Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch :7,790.64 0.OS096%(D) 18.600% 18.600% Offer 5 1 106.17 0.0509676(0) 18.600% 18.60074 Offer 6 430.87 0.05096%(D) 18.600% 18.600% Offer 7 458.60 0.05096%(D) 18.600% 18.600% Offer 8 113.05 0.05096%(D) 18.600% 18.600% ADVANCES Standard Adv $0.00 0.05096%(D) 18.600% 18.600% Offer 4 $3,662.17 0.05096%(D) 18.600% 18.600% SEND PATMENT5 TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.melloncreditcard.accountonline.com 6627457119589005502 6627 12/29/03 14571.19 $589.00 00 V1 1184 2 MC 4 MELLON P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, 011 1915 SPRING RD. 43218-2564 17013-1170000 PA For Customer Sorwm call or write ©/ Meilon Platinum 1-877-888-5132 Arrn.of hi—f-r - Ts rte— "0""" PO Box 44167 '6627 to this ad&..;co"adO Jacksonville, FL ter a—rue rights. .,..—... .v., ac•nECEIVED AY 5:00 PM LOCAL TIME ON 12/29/2003 32231-4167 Statement/Ctesirg Date Total Credit Late Available Credit Line Cash Advaa44 Limit Available Cash Limit New Balance 12/04/2003 $21200 $6628 $21200 $6628 $14571.19 Amount Over %,&,Ad Credit Line Fast Due Minimum Due M1nImMm Amount Due $0.00 + $286.00 + $303.00 = $569.00 Salo Date Post Date Referents Number Activity Since Last Statement Amount 12/04 LATEaFEE - NOV PAYMENT PAST DUE 35.00 11/08 11/08 ZJSL28TO TOYS R US #8315 CAMP HILL PA 42.84 11/09 11/09 OT$85TFe WALMART #2574 SE2 CARLISLE PA 100.67 11111 11/11 9eB116Q3 UNI MARTS #4234 CARLISLE PA 27.85 11114 11/14 TQ65YCDS KMART 00077461 CARLISLE PA 117.93 11/14 11/14 ZG6RNR30 THE BON TON #9 CARLISLE PA 54.66 11/22 11/22 GN54T4Gy WALUARTB#2574N OUTLET E2 CARLISLE PA 342.58 12/04 PURCHASEsdFINANCE CHARGE■PERIODIC RATE 129.16 Rate Sale - Charged To Offer 4 12/04 ADVANCES•FINANCE CHARGE-PERIODIC RATE 55.95 Balance Transfer - Char To Offer 5 12/04 PURCHASES•FINANCE CHARGE•PERJODIC RATE 16.95 Balance Transfer - Charged To Offer 6 12/04 PURCHASES-FINANCE CHARGE-PERIODIC RATE 6.60 Balance Transfer - Charged To Offer 7 12/04 PURCHASES•FINANCE CHARGE•PERIODIC RATE 7.03 Balance Transfer - Charged To Offer 8 12/04 PURCHASES•FINANCE CHARGE•PERIODIC RATE 1.73 The Annual Percentage Rate on your account tray increase due to one of the following reasons stated in yyour Card Agreement with us: if you fail to make a payment to us or any other creditor when due, you exceed your credit line or you make a payment to us that is not honored by your bank. Our records show home phone 717-258-0356 and business phone 717-245-2500. Please update above coupon if incorrect. Please see the enclosed Notice of Change in Terms to Your Card Agreement for important information regarding changes to your Card Agreement. Peace of mind is knowing... your Mellon Credit Card account is protected if your income Stops. Call 1-866-436-9442 to find out how you can be protected. Receive a $20 rebate coupon when you enroll. SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.melloncreditcard.accountonline.com 00 VI 1184 2 MC 4 BARBARA J MINNICK Sale Date Post Date Reference Number Activity Since Last Statement Amount Account Summary revious + urc aces Payments + {= New Balance &Advances &Credits CHARGE Balance PURCHASES $10,113.55 $607.55 60.00 $161.47 $10,882.57 ADVANCES $3,632.67 $0.00 50.00 j55.95 $3,688.62 TOTAL $13,746.22 $607.55, 0.00 ;217.42 $14,571.19 Rate Summary Balance u let o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch (6,448.21 0.05096%(D) 18.600% 18.600% Offer 5 111108-90 0.05096%(D) 18.6011% 18.600% Offer 6 431.78 0.05096%(D) 18.600% 18.600% Offer 7 459.57 0.05096%(D) 18.600% 18.600% Offer 8 113.28 0.05096%(D) 18.600% 18.600% ADVANCES Standard Adv 10.00 0.05096%(D) 18.600% 18.600% Offer 4 $3,659.64 0.05096%(D) 18.600% 18.600% SEND PAYMENTS TO: 32 PLEASE REFER 70 THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.melloncreditcard.accountonline.com• LL27550041322005704 6627 01/28/04 15500.41 $322.00 00 V1 1184 2 MC 4 MELLON P.O. BOX 182.564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISL 17013-1170000 PA For Customer Service,call or write QMeflon Platinum 1-677-688-5132 •--...,,.1 Nn mfyr Te re0ert Nalnq wrw,�Iti t.tlmc eeQemrc�gw,i PO Box 44167 6627 �pn�Ye,e,M�, JaCkSOtIVllle, FL ..-CEIVED BY 5:00 PM LOCAL TIME ON 01/28/2004 32231-4167 StatementJMzing Date Total Credit LM! Avamable Credit Lim Cash AdvanCI Limn Available Cash Limit New Baknce 01/05/2004 $21200 $5699 $21200 $56909 $15500.41 Amo't Lint MiPM mum Dua Minimum A.nt Rw Cr it Line Past Due $0.00 + $0.00 + $322.00 = $322.00 Sale Date Post Date Reference Number Activity Since Last Statement Ameont Payments Credits A Adjustments 12/05 62667643 PAYMENT THANK YOU -290.00 1105 61617487 PAYMENT THANK YOU -300.00 Standard Purch 1/05 MEMBERSHIP FEE JAN 04-DEC 04 0.00 1/05 LATE FEE - DEC PAYMENT PAST DUE 35.00 12/07 12/07 422CQNF4 WALMART #2574 SE? CARLISLE PA 173.99 12/08 12/08 NBPV8FZ9 ORIENTAL TRADING.CO 800-2280475 HE 84.90 12/08 12/08 FK5G4e9F HENDRENS INC FRANKLIN IN 13.99 12/13 12/13 9RXP3NTQ CARLISLE SMALL CARLISLE PA 114.00 12115 12/15 42ZSQ26e FIGIS GIFTS GD TASTE 715-3876009 WI 15.40 12/16 12/16 X60FSZSe LIGHTER SIDEW051143200 800-2449116 FL 22.96 12/16 12/16 6HMIQOKTM RITE AID STORE 3607 CARLISLE PA 17.45 12/17 12/17 WYMQJ2T3 LIFESTYLE FASCINATION LAKEWOOD NJ 55.28 12/18 12/18 5BC09VZ5 THE PARAGON WEB 8006573934 RI 14.90 I2/18 12/18 RF058TV6 CVS 121627 CARLISLE PA 28.18 12/19 12/19 79KN44Ge WALMART #2574 SE2 CARLISLE PA 197.12 12/19 12/19 V9DBZBZL CLAIRES BOUTIQUES 5488 CARLISLE PA 20.66 12/20 12/20 'KHD8S30 VALUE 00001586 MECHANICSBURG PA 38.40 12/20 12/20 W3MPTKG9 LOWE'S #405 MECHANICBURG PA 71.16 12/20 12/20 X9KRDK19 WAL MART MECHANICSBURG PA 159.93 12/20 12/20 Z89WRX5L GANDER MOUNTAIN CHAMBERSBURG PA 35.39 12129 12/29 2H77BTV6 CVS #1627 CARLISLE PA 62.54 12129 12/29 KSXP3NTQ CARLISLE SMALL CARLISLE PA 53.59 1/03 1/03 YPXHK630 NELL'S-SPRINGROAD SHS CARLISLE PA 25.02 1/05 PURCHASES•FINANCE CHARGE'PERIODIC RATE 153.28 Rate Sale - Charged To Offer 4 1/05 ADVANCES•FIHANCE CHARGEePERIODIC RATE 59.42 Balance Transfer - Charged To Offer S 1/05 PURCHASES*FINANCE CHARGL•PERIODIC RATE 18.09 Balance Transfer - Chargged To Offer 6 1/05 PURCHASESeFINANCE CHARGE•PERIODIC RATE 7.05 Batance Transfer - Charged To Offer 7 1/O5 PURCHASES•FINANCE CHARGE*PERIODIC RATE 7.50 Balance Transfer - Charged To Offer 8 1/05 PURCHASES'FINANCE CHARGE*PERIODIC RATE 1.85 Protect your Mellon Credit Card account today and receive a $15 retail rebate coupon to help with your expenses. Call 1-866-647-9404 to find out how to sign up for optional protection. SEND PAYMENTS 70'. 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.melloncreditcard.accountonline.com 00 V1 1184 2 MC 4 BARBARA J MINNICK Sale Date Post Date Refannce numt or lcltrity Since Lost Statement Am nt Account Summary revious * Purchases Payments * (= New Balance 6 Advances 5 Credits CHARGE Balance PURCHASES $10,882.57 $1,272.03 445.71 $i87.77 $11,896.66 ADVANCES $3,688.62 0.00 144.29 59.42 $3,603.75 TOTAL $14,571.19 $1.212.03 590.00 $47.19 $15,500.41 Rate Summary Balance Iec o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch 9,399.56 0.05096%(D) 18.600% 18.60076 Offer 5 1 10914 0.05096%(D) 18.60076 18.600% Offer 6 432..03 0.05096%(D) 18.600% 18.600% Offer 7 459.83 0.05096%(D) 18.600% 18.600% Offer 8 1123.35 0.05096%(D) 18.600% 18.600% ADVANCES Standard Adv $0.00 0.05096%(D) 18.600% 18.600% Offer 4 $3,643.83 0.0.5096%(D) 18.60016 18.600% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.melloncreditcard.accountonline.com 6627620757337005803 7 6627 02/26/04 16207.57 $337.OD 00 V1 1184 2 MC 4 MELLON P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 For Customer Service,call or write Motion Platinum 1-877-888-5132 e.. ,-....._...._ Yer.prtYltigenen rite PO Box 44167 6627 n�Dr�wir WAL Jacksonville, FL ranl MUST BE RECEIVED BY 5.00 PM LOCAL TIME ON 02/26/2004 32231-4167 Statement/Closing Date Total Credit Lino Available Cradle Line Cash Advance Limit Available Cash Limit Now Balance 02/03/2004 $25000 $8792 $21200 $8792 $16207.57 Credit Over Past Due Minimumm Duo Minimum Amoult Cue Credit LIM $0.00 + $0.00 + $337.00 = $337.00 SaM Data Post Date Ratemn Number Activity Suite Lest statement Amauot Payments Credits & Adjustments 2/02 61566363 PAYMENT (HANK YOU -330.00 Standard Purch 2/03 LATE FEE - JAN PAYMENT PAST DUE 35.00 1/05 1/06 R67K6250 NELL'S-SPRINGROAD SNS CARLISLE PA 86.35 1/10 1/10 9F*2ZRFe WALMART #2574 SE2 CARLISLE PA 114.07 1/24 1/24 QJZ694G• WALMART 112574 SE2 CARLISLE PA 157.20 1128 1/28 59TTLFSO NELL'S-SPRINGROAD SNS CARLISLE PA 9.87 2/01 2/03 JK2HW6Y0 PURCHASESRFINANCE CHARGE'PERIODIC RATER 149.30 Standard Adv 1/15 1/15 00002025 CHECK # 9011 OF ACCOUNT 1000462347771 350.00 2/03 ADVANCES•FINANCE CHARGE*FOR TRANSACTIONS 10.50 2/03 ADVANCES•FINANCE CHARGE•PERIODIC RATE 3.58 Rate Sale - Charged To Offer 4 2/03 ADVANCES•FINANCE CHARGE•PERIODIC RATE 53.56 Balance Transfer - Charged To Offer 5 2/03 PURCHASES+FINANCE CHARGE"PERIODIC RATE 16.39 Balance Transfer - Charged To Offer 6 2/03 PURCHASES•FINANCE CHARGE•PERIODiC RATE 6.38 Balance Transfer - Charged To Offer 7 2/03 PURCHASESeFINANCE CHARGE•PERIODIC RATE 6.79 Balance Transfer - Charged To Offer 8 2/03 PURCHASES•FINANCE CHARGE►PERIODIC RATE 1-67 Each Cash Advance is subject to a one-time transaction fee. This fee will cause your Annual Percentage Rate to exceed the nominal Annual Percentage Rate listed on this statement. IMPORTANT PROGRAM INFORMATION: MasterCard renewed their insurance coveraqe with Virqinia Surety Company, extending Purchase Assurance, Extended warranty and MasterRental through January 31, 2005. SEND PAYMENTS T0: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.melloncreditcard.accountonline.com 00 V1 1184 2 MC 4 BARBARA J MINNICK Sale Data Post Date Reference Number Activity shwa test Statement Amount Account Summary Previous + Purchases Payments + �= New Balance &Advances S Credits CHARGE Balance PURCHASES $11,896.66 438.99 $255.62 $iBO.53 $12.260.56 ADVANCES $3,603.75 350.00 $74.38 $6764 $3,947.01 TOTAL $15,500.41 768.99 $330.00 $248..17 $16.207.57 Rat*Summary Balance Sutqect to Periodic Norninal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES ' Standard Purcn =10.102.59 0.05096%(D) 18.600% 18.600% Offer 5 $1 108.72 0.05096%(D) 18.600% 18.600% Offer 6 431.87 0.05096%(D) 18.600% 18.600% Offer 7 459.66 0.05096%(D) 18.600% 18.600% Offer B 113.31 0.05096%(D) 18.600% 18.600% ADVANCES Standard Adv $242.55 0.05096%(D) 18.60016 48.273% Offer 4 $3,624.45 0.05096%(D) 18.600% 18.600% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.meIloncreditcard.accountonline.com Q Meflo LL27L5L334345005907 _ 6627 3/29/04 16563.34 $345.00 00 Al 1184 2 MC 4 MELLON P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Platinum @ Meilon AtYOUM.1Nu.�•_ " l _ 6627 Customer Service: 1-877-888-5132 Total credit Line Available Credit Line Cash Advance Limit Available rash Lhnit New Balance PO Box 44167 $25000 $B436 $21200 $8436 $16563.34 Statement! Amount over Purch/Adv Minimum Jack sonvil ler FL Closing Date Credit Line Past Due Minimum Due Amount Due 32231-4167 03/03/2004 $0.00 4 $0.00 + $345.00 = $345.00 Sale Date Post Date Reference Mum bar Activity Since Last Statement Amount Pa yvents Credits & Adjustments 3/01 61588261 PAYMENT (HANK YOU -340.00 Standard Purch 3/03 LATE FEE - FEB PAYMENT PAST DUE 35.00 2/05 2/05 3JBX15F5 OFFICE MAX 00007466 CARLISLE PA 86.27 2/07 2/07 782VNNVP PAYPAL *RUNGREENCOM 402 935 7733 CA 35.34 2/08 2/08 5HTLZHF* WALMART U2574 SE2 CARLISLE PA 208.57 2/16 2/16 MB9YWSC1 NELL'S-SPRINGROAD SNS CARLISLE PA 20.08 2/20 2120 3MM5STG9 LOWE'S #1710 CARLISE PA 42.14 2124 2/24 3ZG5*LK1 NELL'S-SPRINGROAD SNS CARLISLE PA 22.71 3/03 PURCHASES*FINANCE CHARGE*PERIODIC RATE 155.87 Standard Adv 3/03 ADVANCES*FINANCE CHARGE*PERIODIC RATE 5.37 Rate Sale - Charged To Offer 4 3/03 ADVANCES*FINANCE CHARGE*PERIODIC RATE 53.25 Balance Transfer - Charged To Offer 5 3/03 PURCHASES*FINANCE CHARGE*PERIODIC RATE 16.35 Balance Transfer - Charged To Offer 6 3/03 PURCHASES*FINANCE CHARGE*PERIODIC RATE 6.37 Balance Transfer - Charged To Offer 7 3/03 PURCHASES*FINANCE CHARGE*PERIODIC RATE 6.78 Balance Transfer. - Charged To Offer 8 3/03 PURCHASES*FINANCE CHARGE*PERIODIC RATE 1.67 Account Summary. revious + Purchases Payments + (= Now Balance G Advances &Credits CHARGE Balance PURCHASES $12,260.56 $450.11 $254.60 $187.04 $12,643.11 ADVANCES $3,947.01 $0.00 $85.40 $58.62 $3,920.23 TOTAL $16,207.57 $450.11 $340.00 $245-66 $16,563.34 Rate Summary Balance Subject to Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $10,547.15 0.05096%(D) 18.600% 18.600% Offer 5 $1,106.56 0.05096%(D) 18.600% 18.600% Offer 6 431.02 0.05096%(D) 18.600% 18.600% Offer 7 458.76 0.05096%(D) 18.600% 18-600% Offer 8 113.08 0.05096%(D) 18.600% 18.600% ADVANCES Standard Adv $363.39 0.05096%(D) 18.600% 18.600% Offer 4 $3,603-07 O-D5096%(D) 18.600% 18.600% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.melloncreditcard.accountonline.com @ Mallon LL27L7L79L349005909 6627 04/27/04 16767.96 $349.00 00 Al 1184 2 MC 4 MELLON P.O. BOX 182564 BARBARA J MINNICK COLUMBUS. OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 @ Mallon Platinum Account Pn.mbeer 6627 Customer servicir 1-877-888-5132 Total credit Line Available Credit Une cash advance Limit AVallaOte CaSn LMIt New Balance PO Box 44167 $25000 $8232 $21200 $8232 $16767.96 Statement/ Amount Over Parch/Adv Mkdmum Jacksonville, FL Closing Date Credit Line Past Due Minimum Due Amount Due 32231-4167 04/02/2004 $0.00 + $0.00 + $349.00 = $349.00 Sale Data Post Date Referonco Number Activity since Last Statement Amount Payments Credits S Adjustments 3/26 41608681 PAYMENT (HANK YOU -350.00 Standard Purch 3/04 3/04 052OGMT3 HERTZLER AMMERMAN ASSO CAMP HILL PA 240.00 3/21 3/21 4GOMYDWP PAYPAL *SMILEWITHME 402 935 7733 CA 11.95 3/25 3/25 38JSNSGW PENJOY COMPANY INC. MOUNT JOY PA 45.00 4/02 PURCHASES*FINANCE CHARGE*PERIODIC RATE 165.42 Standard Adv 4/02 ADVANCES*FINANCE CHARGE*PERIODIC RATE 5.10 Rate Sale - Charged To Offer 4 4/02 ADVANCES*FINANCE CHARGE*PERIODIC RATE 54.96 Balance Transfer - Charged To Offer 5 4102 PURCHASES*FINANCE CHARGE*PERIODIC RATE 16.88 Balance Transfer - Charged To Offer 6 4/02 PURCHASES*FINANCE CHARGE*PERIODIC RATE 6.58 Balance Transfer - Chergqed To Offer 7 4/02 PURCHASES*FINANCE CHARGE*PERIODIC RATE 7.00 Balance Transfer - Charged To Offer 8 4/02 PURCHASES*FINANCE CHARGE*PERIODIC RATE 1.73 Account Summary revlous + Purchases - Payments + (= New un Balance L Advances S Credits CHARGE Balance PURCHASES $12,643.11 $296.95 $271.52 $197.61 $12.866.15 ADVANCES $3,920.23 $0.00 $78.48 $60.06 $3,901.81 TOTAL $16,563.34 $296.95 $350.00 $257.67 $16,767.96 Rate Summary Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $10,620.14 0.05096%(D) 18.600% 18.600% Offer 5 $1,104.13 0.05096%(D) 18.600% 18.600% Offer 6 430.08 0.05096%(D) 18.600% 18.600% Offer 7 457.76 0.05096%(D) 18.600% 18.600% Offer 8 112.84 0.05096%(D) 18.600% 18.600% ADVANCES Standard Adv $333.38 0.05096%(D) 18.600% 18.600% Offer 4 $3.594.99 0.05096%(D) 18.600% 18.600% SEND PAYMENT5 TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.melloncreditcard.accountonline.com @ Mellon _6627859095741005909 6627 05/27/04 18590.95 $741.00 00 V1 1184 2 MC 4 MELLON P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43216-2564 CARLISLE PA 17013-1170000 Platinum Q Mellon Account number 6627 customer Sirvicz- 1-877-888-5132 Total Credit Line Auailable Credit Line Cast Advance Limit Awitable Cash Limit New Balance PO Box 44167 $25000 $6409 $21200 $6409 $18590.95 Statement/ Amount Over Porch/Adv Minimum Jacksonville, FL Closing Date Credit Line Past Due Minimum Due Amount Due 32231-4167 05/04/2004 $0.00 + $349.00 4 $392.00 = $741.00 Sabo gab Post Date Reference Number Activity Siau Last Statement Amount Standard Purch 5/04 LATE FEE - APR PAYMENT PAST DUE 35.00 4/05 4/05 3402HZF* WALMART #2574 SE2 CARLISLE USA 136.23 4/09 4109 V*6N83V5 PARTY CITY MECHANICSBURG USA 26.91 4/12 4112 OVG267WP PAYPAL *TOMWESTOVER 402 935 7733 USA 9.00 4/16 4/16 05SPZGWP PAYPAL •FREEDOM1955 402 935 7733 USA 6.95 4/17 4/17 BVXKF8WP PAYPAL *REYNOLDSFAR 402 935 7733 USA 17.25 4/24 4/24 V6OR93WP PAYPAL *YODAMANI 402 935 7733 CA 6.20 5/04 PURCHASES*FINANCE CHARGEPERIODIC RATE 232.45 Standard Ally 3/01 4/03 H9204303 CONY CK 1,200.00 5/04 ADVANCES*FINANCE CHARGE*PERIODIC RATE 32.25 Rate Sale - Charged To Offer 4 5/04 ADVANCES*FINANCE CHARGE#PERIODIC RATE 76.16 Balance Transfer - Charged To Offer 5 5/04 PURCHASES*FINANCE CHARGE•PERIODIC RATE 23.39 Balance Transfer - Charged To Offer 6 5/04 PU RCHAS ES*FI NANCE CHARGE*PERIODIC RATE 9.11 Balance Transfer - Charged To Offer 7 5104 PURCHASES*FINANCE CHARGE•PERIODIC RATE 9.70 Charged Balance Transfer -5/04 PURCHASES*FINANCE CHARGE PERIODICeRATE 2.39 Please note that payments must be received by 1:00 p.m., local time, on a bank business day at the payment processing facility that handles your payments, in order to be credited to your account as of that day, and payments must conform to the payment instructions set forth on the reverse side. All conforming payments received at the ppayment processing facility after that time will be credited as of the following bank business day. The Annual Percentagge Rate on your account has been increased due to one of the following reasons stated in your Card Agreement with us: you failed to make a payment to us or any other creditor when due, you exceeded your credit line or you made a payment to us that was not honored by your bank. IMPORTANT NOTICE: As of June 01, 2004 any convenience checks issued prior to July 2003 will not be valid. Please call the customer service numbers on the back of your credit card to order new checks. SEND PAVMENTS TO: 32 PLEASE REFER TO THE REVERSE SIOE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.melloncreditcard.accountonline.coin @ Mepon 00 V1 1184 2 MC 4 BARBARA J MINNICK safe Beta Post Date Reference Number Activity Sind Last Statement Amount Now will you pay your Mellon Card bill if something unexpected happens? Call us at 1-877-436-2678. we can help! Account Summary Previous + Purchases Payments + (= New Balance &Advances S Credits CHARGE Balance PURCHASES $12,866.15 $237.54 60.00 6277.04 $13,380.73 ADVANCES $3,901.81 51,200.00 50.00 5108.41 $5,210.22 TOTAL $16,767.96 $1,437.54 $$0.00 $$385.45 $18,590.95 Balance u lec a Periodic Nominal Rate Summary Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $11,051.54 0.06573%(D) 23.990% 23.990% Offer 5 $i 112.15 0.065731111) 23.99016 23.990% Offer 6 433.21 0.06573%(D) 23.990% 23.990% Offer 7 461.08 0.06573%(D) 23.990% 23.990% Offer 8 113.66 0.06573%(D) 23.99076 23.990% ADVANCES Standard Adv $1,533.04 0.06573%(D) 23.990% 23.990% Offer 4 $3,621.09 0.06573%(D) 23.990% 23.990% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. . Visit: www.melloncreditcard.accountonline.com @ medon '6627888692789005901 6627 06/28/04 188H6.9Z S7H9.DD 00 Al 1184 2 MC 4 MELLON P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 17013-1170000 PA ©/ Meiwn Platinum 6627 Customer Seivicir 1-877-888-5132 Total Crean Line Available Credit Line trash Advance Limit AV811WO Calln Limit New Balance PO Box 44167 $25000 $6113 $21200 $6113 $18886.92 Statement, Amount Over Parch,Adv Minimum Jacksonville, Fl. Closln0 Date Credrt Line Past D" Minimum Cue Amount Cue 32231-4167 06/02/2004 $0.00 + $391.00 4 $398.00 = $789.00 sale Date Post Bate Reference Number Activity since Lest Statement Amvumt Payments Credits & Adjustments 5/10 62786121 PAYMENT THANK YOU -350.00 Standard Purch 6/02 LATE FEE - MAY PAYMENT PAST DUE 35.00 5112 5/12 K87DI700 CS •ONLINE SERVICE 050 800-848-8990 VA 43.90 5/15 5/15 X1D6GZG• WALMART 82574 SE2 CARLISLE PA 1.57 5/15 5/15 MID6G2G" WALMART 82574 SE2 CARLISLE PA 121.07 5/21 5/21 Y47X2TVP PAYPAL •REYNOLDSFAR 402 935 7733 CA 16.74 5/29 5/29 KMiNXGF• WALMART 82574 SE2 CARLISLE PA 68.05 5/31 5/31 HW4D8PVP PAYPAL •EDS66CHEV 402 935 7733 CA 4.99 6/02 PURCHASES=FINAHCE CHARGE•PERIODIC RATE 214.94 Standard Adv 6/02 AD VAN CES•FINANCE CHARGE*PERIODIC RATE 29.44 Rate Sale - Charged To Offer 4 6/02 ADVANCES•FINANCE CHARGE•PERIODIC RATE 69.55 Balance Transfer - Charged To Offer 5 6/02 PURCHASES•FINANCE CHARGE•PERIODIC RATE 21.36 Balance Transfer - Charged To Offer 6 6/02 PURCHASES•FINANCE CHARGE•PERIODIC RATE 8.32 Balance Transfer - Charged To Offer 7 6102 PURCHASEStFINANCE CHARGE•PERIODIC RATE 8.86 Balance Transfer - Charged To Offer B 6/02 PURCHASEStFINANCE CHARGE«PERIODIC RATE 2.18 Our records show home phone 717-258-0356 and business phone 717-245-2500. Please update coupon if incorrect- Account Summary Previous + Purchases Payments + (= New Balance S Advances &Credits CHARGE Balance PURCHASES $13,380.73 $291.32 $271.68 $255.66 $13,656.03 :3 ADVANCES $5,210.22 SO.00 78.32 $98.99 $5,230.89 TOTAL $18,590.95 $2 1.32 50.00 $354.65 $18,886.92 Rate Summary Balance Subject to Periodic Nornsnaf ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $11,276.04 0.06573%(D) 23.99016 23.990% Offer 5 $1 120.58 0.06573VID) 23.990% 23.9911% Offer 6 436.49 0.06573%(D) 23.990% 23.990% Offer 7 464.58 0.06573%(D) 23.990% 23.990% Offer 8 114.52 0.06573%(D) 23.990% 23.990% ADVANCES Standard Adv 1,544.60 0.06573%(D) 23.990% 23.990% Offer 4 3,648.55 0.06573%(D) 23.990% 23.990% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com 1r t, 6627855845469455908 6627 07/27/04 18558.45 $469.45 00 Al 1184 4 MC 4 CITI CARDS P.D. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISL 17013-1170000 PA Citi" Platinum Select` Card Account Number 6627 Customer Service: 1-800-983-6453 Total credit Line Available Credit Line Cash Advance Limit Available Cain Limn New Balance PO Box 44167 $IB480 $0 $18480 $0 $18558.45 Statement/ Amount Over Purch/Adv Minimum Jacksonvil ler FL closing Date Credit Line Past Due Minimum Due Amount Due 32231-4167 07/02/2004 $78-45 + $0.00 + $391.00 = $469.45 Sal.Date Post Data Retererme Number Acnvitt Since Last statement Amount Payments Credits & Adjustments 6/07 62148193 PAYYENT (HANK YOU -375.00 6/21 43605336 PAYMENT THANK YOU -414.00 Standard Purch 6/24 6/24 WHQOTVOO CS •ONLINE SERVICE 060 800-848-8990 VA 21.95 6/29 6/29 CT07YCDS KMART 00077461 CARLISLE PA 48.47 6/29 6/29 •TDBDZ85 NELL'S 11206 SNS CARLISLE PA 23.53 7/02 PURCHASES,FINANCE CHARGE'PERIODIC RATE 223.34 Standard Adv 7/02 ADVANCES'FINANCE CHARGE•PERIODIC RATE 30.11 Rate Sale - Charged To Offer 4 7/02 ADVANCES'FINANCE CHARGE•PERIODIC RATE 71.30 Be lance Transfer - Charged To Offer S 7/02 PURCHASES,FINANCE CHARGE-PERIODIC RATE 21.90 Balance Transfer - Charged To Offer 6 7/02 PURCHASES•FINANCE CHARGE•PERIODIC RATE 8.53 Balance Transfer - Charged To Offer 7 7102 PURCHASES•F[NANCE CHARGE'PERIODIC RATE 9.14 7/02 PPUURCHASES*FINANCE CHARGE PERIODICeRATE 2.26 If you have not received your new card, please call the Customer Service number on this statement. Please see the enclosed privacy notice for important information. Account Summary revious + Purchases Payments + (= New 8aIance 6 Advances S Credits CHARGE. Balance PURCHASES $13,656.03 $93.95 571.62 $265.17 $13,443.53 ADVANCES $5,230.89 $0.00 217.38 5101.41 $5,114.92 TOTAL $18,886.92 $93.95 789.00 366.58 $18,558.45 Rate Summary Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $11,326.30 0.06573%(D) 23.990% 23.990% Offer 5 $1 110.54 0.06573%(D) 23.990% 23.990% Offer 6 1114.62 432.58 0.06573%(D) 23.990% 23.990% Offer 7 463.75 0.06573%(D) 23.990% 23.990% Offer B 0.06573%(D) 23.990% 23.990% ADVANCES Standard Adv 51526.72 0.06573%(D) 23.990% 23.990% Offer 4 $3,,615,85 0.06573%(D) 23.990% 23.990% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. - Visit: www-citicards.com � .0%I• 6627860866537975902 6627 08/27/04 28608.66 $537.97 00 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OM 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi"' Platinum Select` Card 6627 Customer Serviee: 1-800-983-6453 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Bounce PO Box 44167 $18480 $0 $18480 $0 $18608.66 Statement/ Amount Over Parch/Adv Minimum Jacksonville, FL closing Data Credit Unit Past Due Minimum Due Amount Due 32231-4167 08/04/2004 $128.66 + $0.00 + $409.31 = $537.97 Sale Date Post Data Reference Number Activity Since Last Statement Amount Payments Credits & Adjustments 7109 37137086 PAYMENT (HANK YOU -400.00 Standard Purch 7/12 7/12 CSOGB300 CS *ONLINE SERVICE 070 800-848-8990 VA 21.95 7/28 7/28 OL07RSVP PAYPAL •MARKSTOYBOX 402 935 7733 CA 23.95 8/04 PURCHASES*FINANCE CHARGE•PERIODIC RATE 247.00 Standard Adv 8/04 ADVANCES'FINANCE CHARGE*PERIODIC RATE 32.91 Rate Sale - Charged To Offer 4 8/04 ADVANCES*FINANCE CHARGE'PERIODIC RATE 78.46 Balance Transfer - Charged To Offer 5 8/04 PURCHASES*FINANCE CHARGE•PERIODIC RATE 24.10 Balance Transfer - Charged To Offer 6 8/04 PURCHASES*FINANCE CHARGE*PERIODIC RATE 9.39 Balance Transfer - Charged To-Offer 7 8104 PURCHASES•FINANCE CHARGE'PERIODIC RATE 9.99 Balance Transfer - Charged To Offer 8 8/04 PURCHASES«FINANCE CHARGE*PERIODIC RATE 2.46 Account Summary Previous + Purchases Payments t RNANCE New Balance 6 Advances S Credits CHARGE Balance PURCHASES $13,443.53 $45.90 293.71 292.94 $13,488.66 ADVANCES . $5,114.92 $0.00 106.29 111.37 $5,120.00 TOTAL $18,558.45 $45.90 400.00 404.31 $16,608.66 Rate Summary Balance Subject to Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $11,270.62 0.06641%(D) 24.240% 24.240% Offer 5 $1 099.64 0.06641%(D) 24.240% 24.240% Offer 6 428.33 0.06641%(D) 24.240% 24.24011 Offer 7 455.90 0.06641%(D) 24.240% 24.240% Offer 8 1112.38 0.06641%(D) 24.240% 24.240% ADVANCES Standard Adv $1,501.57 0.06641%(D) 24.240% 24.240% Offer 4 $3,580.35 0.06641%(D) 24.240% 24.240% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www-citicards.com • ' 627844227389 a ' 005903 6627 09/27/04 18442.27 $389.00 00 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 17013-1170000 PA Citi"' Platinum Selects" Card Account Number. 6627 Customer 5 rvhas. 1-800-983-6453 Total credit Line Available Credit line Cash Advance Limit AVaiiable C&SA Limit New Balance PO Bolt 44167 $18480 $37 $18480 $37 $18442.27 Statement! Amount Over PorchlAdv /Awmum Jacksonville, rL Closing Date Credit Line Past Due Minimum Due Amount Due 32231-4167 09/02/2004 $0.00 + $0.00 + $389.00 = $389.00 Sate Data Pest Date Reference Number Activity Since Lest Statement Amount Payments Credits & Adjustments 8112 47936047 PAYMENT (HANK YOU -140.00 8/27 41608365 PAYMENT THANK YOU -410.00 Standard Purch 8/24 8/24 25•Y3XOO CS •ONLINE SERVICE 080 800-848-8990 VA 21.95 9/02 PURCHASES•FINANCE CHARGE'PERIODIC RATE 220.35 9/02 AD VANCES'rINANCE CHARGE•PERIODIC RATE 29.54 Rate Safc - Charged To Offer 4 9/02 ADVANW!'rINANCE CHARGE•PERIODIC RATE 70.50 Balance Transfer - Charged To Offer S 9/02 PURCHAS ES*FIHANCE CHARGE'PERIODIC RATE 21.65 Balance Transfer - Chargqed To Offer 6 9/02 PURCHASES�rINANCE CHARGE•PERIODIC RATE 8.43 Balance Transfer - Charged To Offer 7 9/02 PURCHASES•FINANCE CHARGE•PERIODIC RATE 8.98 Balance Transfer - Charged To Offer 8 9/02 PURCHASES•FINANCE CHARGE"PERIODIC RATE 2.21 IMPORTANT INFORMATION ABOUT CREDIT REPORTING: WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS MISSED PAYMENTS OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTE6 IN YOUR CREDIT REPORT. Previous + urc aces Payments t FINANCE New Account Summary Balance &Advances S Credits CHARGE Balance PURCHASES $13,488.66 $21.95 437.63 261.62 $13,334.60 ADVANCES $5,120.00 $0.00 112.37 100.04 $5,107.67 TOTAL $18,608.66 $21.95 550.00 361.66 $18,442.27 Rate Summary Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $11,323.61 0.06710%(D) 24.490% 24.490% Offer 5 $1 112.72 0.06710%(D) 24.490% 24.49011 Offer 6 433.43 0.06710%(D) 24.490% 24.490% Offer 7 461.32 0.06710%(D) 24.49074- 24.490% Offer 8 113.72 0.06710%(D) 24.490% 24.490% ADVANCES Standard Adv 51,518.26 0.06710%(D) 24.490% 24.490% Offer 4 $3,622.95 0.06710%(D) 24.490% 24.490% SEND PAYMENTS T0: 32 PLEASE REFER 70 THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com r tI• :627847915419935902 \.r� V- --6627 10/27/04 18479.15 $419.43 00 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi" Platinum Select"' Card AccouM.NunbaY_ :6627 C4stomer'SiF4it&': 1-800-983-6453 Total credit Line Availablee Credit Line Cash Advance Limit Available Cash Limit New Balance PO Box 44167 $18480 $0 $18480 $0 $18479.15 Statement/ Amount Over Purch/Adv Minimum Jac Ksonvii le, rL Closing Date Credit Lfne Past Due Minimum Due Amount Due 32231-4167 10/05/2004 $0.00 + $0.00 + $419.93 = $419.93 Sale Date Post Date Reference Number Adivitr Since Last Statement Amount Payments Credits i Adjustments 9/27 44077286 PAYMENT (HANK YOU -400.00 Standard Purch 9/12 9/12 30IW3600 CS 'ONLINE SERVICE 090 800-848-8990 VA 21.95 10/05 PURCHASES'FINANCE CHARGE•PERIODIC RATE 252.67 Standard Adv 10/05 ADVANCES.FIN ANCE CHARGE•PERIODIC RATE 33.88 Rate Sale - Charged To Offer 4 10/05 ADVANCES«FINANCE CHARGE'PERIODIC RATE 80.97 Balance Transfer - Charged To Offer 5 10/05 PURCHASESeFINANCE CHARGE■PERIODIC RATE 24.87 Balance Transfer - Charged To Offer 6 10/05 PURCHASES'FINANCE CHARGE•PERIODIC RATE 9.69 Balance Transfer - Charged To Offer T 10/05 PURCHASES+FINANCE CHARGE*PERIODIC RATE 10.31 Balance Transfer - Charged To Offer 8 10/05 PURCHASES'FINANCE CHARGE«PERIODIC RATE 2.54 Account Summary revious + Purchases Payments + {= New Balance &Advances &Credits CHARGE Balance PURCHASES $13,334.60 $21.95 294.50 300.08 $13,362.13 ADVANCES $5,107.67 $0.00 10.5 11485 $5,117.02 TOTAL $18,442.27 $21.95 400.00 414..93 $18,479.15 Rate Summary Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $11,296.39 0.06778%(D) 24.740% 24.740% Offer 5 $1 111.78 0.06778%(D) 24.740% 24.74011 Offer 6 433.06 0.06778%(D) 24.740% 24.740% Offer 7 460.93 0.06778%(D) 24.740% 24.740% Offer 8 113.62 0.06778%(D) 24.740% 24.740% ADVANCES Standard Adv 1,514.70 0.06778%(D) 24.740% 24.740% Offer 4 3,619.91 0.06778%(D) 24.740%, 24.740% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www-citicards.com ��• LL2784523038990590L a ti ' 6627 11/29/04 18452.30 1389.00 00 Al 1184 4 NC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi" Platinum Select" Card Account.Number 3 6627 'Customer Servlec 1-800-983-6453 Total credit Line Avallable Credit Line Cash Advance Limit Available CaSM LMtlt New e■larice PO Sox 441b7 $18480 $27 $18480 $27 $18452.30 Statement/ Amount Over Purch/Adv Minimum Jaeksonvi 11 e, FL Closing Date Credit Line Past Due Minimum Out Amount Due 32231-4167 11/02/2004 $0.00 + $0.00 + $389.00 = $389.00 Sale Dab Post Dab Reference Number Activity Sine Last Statement Amauat Payments Credits i Adjustnents 10/25 44176394 PAYMENT (HANK YOU -425.00 Standard Parch 10/12 10/12 J30CN600 CS *ONLINE SERVICE 100 800-848-8990 VA 21.95 10/28 10/28 MNXDCIWP PAYPAL *DREAMCATCHE 402 935 7733 CA 24.45 11/02 PURCHASES*FINANCE CHARGE*PERIODIC RATE 214.27 Standard Adw 11/02 ADVANCES*FINANCE CHARGE*PERIODIC RATE 28.64 Rate Sale - Charged To' Offer 4 11/02 ADVANCES*FINANCE CHARGE*PERIODIC RATE 68.65 Balance Transfer - Charged To Offer 5 11/02 PURCHASES*FINANCE CHARGE*PER IODIC RATE 21.09 Balance Transfer - Charged To Offer 6 11/02 PURCHASES*FINANCE CHARGE*PER IODIC RATE 8.21 Balance Transfer - Charged To Offer 7 11/02 PURCHASES*FINANCE CHARGE*PERIODIC RATE 8.74 Balance Transfer - Charged To Offer 8 11102 PURCHASES*FINANCE CHARGE*PERIODIC RATE 2.15 Previous + Purchases Payments + FINANCE New Account Summary Balance b Advances 5 Credits CHARGE Balance PURCHASES $13,362.13 $46.40 309.15 $254.46 $13,353.84 ADVANCES $5,117.02 $0.00 115.85 $97.29 $5,098.46 TOTAL $18,479.15 $46.40 425.00 $351.75 $18,452.30 Rate Summary Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $11.290.12 0.06778%(D) 24.740% 24.740% Offer 5 $1 111.04 0.06778%(D) 24.740% 24.740% Offer 6 432.77 0.06778%(D) 24.740% 24.740% Offer 7 460.62 0.06778%(D) 24.740% 24.740% Offer 8 1113.54 0.06778%(D) 24.740% 24.740% ADVANCES Standard Adv 51,509.31 0.06778%(D) 24.740% 24.740% Offer 4 $3,617.47 0.06778%(D) 24.740% 24.740% 5END PAYMENTS 70. 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com ^• 6627897337347495900 C1 I 6627 12/28/04 18973.37 $1347.49 00 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi• Platinum Select` Card .Aecounr.M,nnnM. . 6627 Customer Service: 00-963-6453 Total creep Line Available Credit Line rash Advance Limit Available Cash Limp New Balance 1-8 PO 00- 44167 $18480 $0 $18480 $0 $18973.37 Statement, Amount Over PMfchJAdv Minimum Jacksonville, FL Closlnq Data Credit Line Past 0" Minimum Due Amount Due 32231-4167 12/03/2004 $493.37 + $369.00 + $465.12 = $1347.49 Say Date Post Date Reference Number Aetivlty Since Lest Statement Amount Standard Purch 12/03 LATE FEE - NOV PAYMENT PAST DUE 39.00 11/12 11/12 LD9TC900 CS 'ONLINE SERVICE 110 800-848-8990 VA 21.95 12/03 PURCHASES•FINANCE CHARGE•PERIODIC RATE 280.62 Standard Adv 12/03 AD VAN CES•FINANCE CHARGE•PERIODIC RATE 37.38 Rate Sale - Charged To Offer 4 12/03 ADVANCES•FINANCE CHARGE•PERIODIC RATE 89.65 Balance Transfer - Charged To Offer S 12/03 PURCHASES•FINANCE CHARGE'PERIODIC RATE 27.53 Balance Transfer - Charged To Offer 6 12/03 PURCHASES+FINANCE CHARGE•PERIODIC RATE 10.72 Balance Transfer - Chargged To Offer 7 12/03 PURCHASES* NANCE CHARGE•PERIODIC RATE 11.41 Balance Transfer - Charged To Offer 8 12/03 PURCHASES•FINANCE CHARGE'PERIODIC RATE 2.81 Your late fee was based on your account balance as of the payment due date (11/29/04), which was $18,474.25. Our records show home phone 717-258-0356 and business phone 717-24S-2500. Please update coupon if incorrect. Previous + Purchases Payments + (= New Account Summary 8alanre 6 Advances -S Credits CHARGE Balance PURCHASES $13,353.84 $60.95 0.00 . 333.09 $13,747.88 ADVANCES $5.098.46 $0.00 0.00 127.03 $5,225.49 TOTAL $18,452.30 $60.95 0.00 460.12 $18,973.37 Rate Summary Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $11.397.99 0.07942%(D) 28.990% 28.990% Offer 5 $1 118.34 0.079427,(1) 28.990% 28.990% Offer 6 435.61 0.07942%(D) 28.990% 28.990% Offer 7 463.64 0.07942%(D) 28.990% 28.990% Offer 8 114.29 0.07942%<D) 28.990% 28.990% ADVANCES Standard Adv 51,518.45 0.07942%(D) 28.990% 28.990% Offer 4 $3,641.21 0.07942%(D) 28.990% 28.990% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFDRMATION. Visit: www-citicards.com ��~• 6627881347971745908 C1 ' 6r,271101/27/05_1 18813.47 $971.74 00 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISL 17013-1170000 PA Citiv" Platinum Select` Card AcmuM Nlaobef <6627 s:ustomer Sir1NCe: 1-800-983-6453 Total Credit Line Avanabie Credit Line Cash Advance Limit Available Cash Limit New Balance $18480 $0 $18480 $0 $18813.47 PO Box 44167 Statement! Amount Over PurchMdv Minimum Jacksonville, FL closing Data credo Line Past Due Minimum Due Amount Due 32231-4167 01/04/2005 $333.47 4 $154.12 + $484.15 = $971.74 Sala Data Post Data Reference Number Activity Since Last statement Amount Payments, redits & Adjustments 12/06 62898571 PAYMENT THANK YOU -400.00 12/20 62861015 PAYMENT THANK YOU -300.00 Standard Purch 1/04 MEMBERSHIP FEE JAN 05-DEC 05 O.OD 1/04 LATE FEE - DEC PAYMENT PAST DUE 39.00 12/21 11104 L59SX700 CS *ONLINE 291.39 Standard Adv 1/04 ADVANCES*FINANCE CHARGE*PERIODIC RATE 38.65 Rate Sate - Charged To Offer 4 1/04 ADVANCES*FINANCE CHARGE"PERIODIC RATE 94.05 Balance Transfer - Charged To Offer S 1/04 PURCHASES*FINANCE CHARGE*PERIODIC RATE 28.88 Balance Transfer - Charged To Offer 6 1104 PURCHASES*FINANCE CHARGE*PERIODIC RATE 11.25 Balance Transfer - Charged To Offer 7 1104 PURCHASES*FINANCE CHARGE*PERIODIC RATE 11.98 Balance Transfer - Charged To Offer 8 1/04 PURCHASES*FINANCE CHARGE*PERIODIC RATE 2.95 Your late fee was based on your account balance I s of the payment due date (12/28/04), which was $18,295.32. Account Summary Previous + Purchases Payments + (= New Balance b Advances &Credits CHARGE Balance PURCHASES $13.747.88 $60.95 564.88 346.45 $13,590.40 ADVANCES $5,225.49 $0.00 135.12 132.70 $5,223.07 TOTAL $18,973.37 $60.95 1700.00 479.15 $18,813.47 a(ante Subject o Periodic Nominal ANNUAL Rate Summary Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $11,366.69 0.08011%(D) 29.240% 29.240% Offer 5 $1 126.77 0.08011%(0) 29.24011 29.240% Offer 6 438.90 0.08011%(D) 29.240% 29.240% Offer 7 467.14 0.08011%(D) 29.240% 29.240% Offer 8 115.15 0.08011%(D) 29.240% 29.240% ADVANCES Standard Adv 1,507.56 0.08011%(D) 29.240% 29.240% Offer 4 3,668.72 0.08011%(D) 29.240% 29.240% SEND PAYMENTS TD: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. - Visit: www.citicards.com I• _ ..6627831488439155909 6627 02/25/05 18314.68 $439.15 00 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi"' Platinum Select` Card Aeeort r m Der. 6627 utrssomer aernce: 1-600-983-6453 Total credit Line Available Credit Line Cast,Advance Limit Available Casa Limit New esunee PO Box 44167 $18480 $165 $18480 $165 $18314.88 Statement/ Amount Over Purch/Adv Minimum Jacklo Ville, rL Closing Date Credit Line Past Due Minimum Due Amount Due - 32231-4167 02/02/2005 $0.00 + $0.00 + $439.15 = $439.15 sale Date Post Date Reierenca Number Activity since Last Statement Amount Payments Credits d Adjustments 1/17 47536052 PAYMENT (HANK YOU -487.59 1/31 61889523 PAYMENT THANK YOU -484.15 Standard Purch 2/02 PURCHASES*FINANCEYCHARGE*PERIODIC RATE 263.36 Standard Adv 2/02 ADVANCES+FINANCE CHARGE*PERIODIC RATE 34.83 Rate Sale - Charged To Offer 4 2/02 ADVANCES*FINANCE CHARGE*PERIODIC RATE 85.74 Balance Transfer - Charged To Offer 5 2/02 PURCHASES*FINANCE CHARGE•PERIODIC RATE 26.35 Balance Transfer - Charged To Offer 6 2/02 PURCHASES*FINANCE CHARGE*PERIODIC RATE 10.26 Balance Transfer - Charged To Offer 7 2102 PURCHASES*FINANCE CHARGE*PERIDDIC RATE 10.92 Balance Transfer - Charged To Offer 8 2/02 PURCHASES*FINANCE CHARGE*PERIODIC RATE 2.69 Your late Fee was based on your account balance as of the payment due date (01/27/05), which was $18,325.88. Please see the enclosed Notice of Change in Terms to Your Card Agreement for important information regarding changes to your Card Agreement. Previous + Purchases (-)Payments + FfNANCE New Account Summary Balance L Advances S Credits CHARGE Balance PURCHASES $13,590.40 $39.00 740.39 313.58 $13,202.59 ADVANCES $5,223.07 $0.00 231.35 120.57 $5,112.29 TOTAL $18,813.47 $39.00 1971.74 434.15 $18,314.88 Rate Summary Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $11,336.24 0.08011%(D) 29.240% 29.240% Offer 5 $1 134.04 0.08011X,101 29.240% 29.24011 Offer 6 441.73 0.08011%(D) 29.240% 29.240% Offer 7 470.16 0.08011%(D) 29.240% 29.240% Offer 8 115.89 0.08011%(D) 29.240% 29.240% ADVANCES Standard Adv 1,499.43 0.08011%(D) 29.240% 29.240% Offer 4 3,690.72 0.08011%(D) 29.240% 29.240% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com L627829742437545907 ati 6627 03/28/05 18297.42 $437.54 00 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi" Platinum Select` Card Account Number 6627 Customer Services 800-983-6453 Total Credit Line Available credit Lin! rrsn Advance Limit Available Cash Limit New Balance 1- I- BO- 44167 $18480 $182 $16480 $182 $18297.42 Statement/ Amount Over Parch/Adv Minimum Jac ltsonvi 11 e, FL Closing Date Credit Line Past Out Minimum Due Amount Due 32231-4167 03/03/2005 $0.00 + $0.00 + $437.54 = $437.54 Sale Date Post Data Rataranco Number Activity Since Last Statement Amount Pa ymeats Credits & Adjustments 2/28 41984449 PAYMENT (HANK YOU -450.00 Standard Purch 3/03 PURCHASES•FINANCE CHARGE•PERIODIC RATE 261.79 Standard Adv 3/03 ADVANC ES.FINANCE CHARGE+PERIODIC RATE 35.36 Rate Sale - Charged To Offer 4 3/03 ADVANCES-FINANCE CHARGE•PERIODIC RATE 85.39 Balance transfer - Charged To Offer S 3/03 PURCHASES 'FIN ANCE CHARGE RATE 26.23 Balance Transfer - Charged To Offer 6 3/03 PURCHASES•FINANCE CHARGE•PERIODIC RATE 10.22 Balance Transfer - Charged To Offer 7 3103 PURCHASES•FINANCE CHARGE•PERIODIC RATE 10.87 Balance Transfer - Charged To Offer 8 3/03 PURCHASES•FINANCE CHARGE*PERIODIC RATE 2.68 Previous Purchases Payments + FWANCE (= New Account Summary Balance &Advances S Credits CHARGE Balance AD S $13 202.59 0 00 328.43 311 79 $13.185.95 VA $5:112.29 50.00 121.57 50.00 432.54 $$5,297.42 TOTAL $18,314.88 $$$0.00 Rate Summary Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $11.173.87 0.08079%(D) 29.490% 29.490% Offer 5 $1 119.34 0.0807IYID) 29.490% 29.49076 Offer 6 436.00 0.08079%(D) 29.490% 29.490% Offer 7 464.06 0.08079%(D) 29.490% 29.490% Offer 8 114.39 0.08079%(D) 29.490% 29.490% ADVANCES Standard Adv 51.509.29 0.08079%(D) 29.490% 29.490% Offer 4 53.644.46 0.08079%(D) 29.490% 29.490% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www-citicards.com citl 6627832762485205902 6627 04/27/45 18327.62 $485.20 00 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi' Platinum Select` Card Account Number. . 6627 Custcmi/5,4vit 1-800-983-6453 Total Crean Line Available Credit Une CJSn Advent!Limit Avalkbk Cash Limit New Balinc! $18480 $152 $18480 $152 $18327.62 PO Box 44167 Statement/ Amount over Partn/Adv Minimum Jacksonvi l 1 e, rL Closing Date Credit Line Past No Minimum Due Amount Due 32231-4167 04/04/2005 $0.00 + $0.00 + $485.20 = $485.20 Sale Oats Post Date Reference Number activity Sind Last Statement Amount Pumments Credits & Adjustments 3/28 32544290 PAYMENT tHANK YOU -450.00 Standard Purch 4104 PURCHASES*FINANCE CHARGE+PERIODIC RATE 290.48 Standard Adv 4/04 ADVANCES•FINANCE CHARGE•PERIODIC RATE 39.28 Rate Sale - Charged To Offer 4 4/04 ADVANCEStFINANCE CHARGE•PERIODIC RATE 94.89 Balance Transfer Charged To Offer 5 4/04 PURCHASES•FINANCE CHARGE•PERIODIC RATE 29.14 Balance Transfer - Charged To Offer 6 4/04 PURCHASES*FIN ANC E CHARGE•PERIODIC RATE 11.35 Balance Transfer - Charged To Offer 7 4104 PURCHASES•FINANCE CHARGEtPERIODIC RATE 12.08 Balance Transfer - Charged To Offer B 4104 PURCHASES•FINANCE CHARGEsPERIODIC RATE 2.98 Previous r Purchases Payments t (=)NNew Account Summary Balance 6 Advances S Credits CHARGE Balance PURCHASES $13,185.95 s0.00 328.25 j346.03 $13,203.73 ADVANCES $5,111.47 50.00 121.75 $134.17 $5,123.89 TOTAL $18,297.42 50.00 450.00 $480.20 $18,327.62 Rate Summary Balance sec n o e is Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $11,140.75 0.08148%(D) 29.740% 29.740% Offer 5 $1 117.77 0.08148%(D) 29.7407E 29.740% Offer 6 435.39 0.08148%(D) 29.740% 29.740% Offer 7 463.41 0.08148 96(D) 29.740% 29.740% Offer 8 114.23 0.08148%(D) 29.7407E 29.740% ADVANCES Standard Adv 51,506.65 0.08148%(D) 29.740% 29.740% Offer 4 53,639.38 0.08148%(D) 29.740% 29.7407E SEND PAYMENTS T0: 32 PLEASE REFER TO THE REVERSE SIOE OF THE ORIGINAL STAIEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com ^• 6627827206439445906 at I 6627 05/30/05 18272.06 $439.44 00 Al 1184 4 MC 4 CITI CARDS P.D. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi' Platinum Select" Card AcfOtMt Number... 6627 Ctist6mer Service: 1-800-983-6453 Total[react one Available Credit tine Cash Advance omit Available cash omit New Balance 1- Box 44167 $18480 $207 $18480 $207 $18272.06 Statement/ Amount Over Purch/Adv Minimum Jatksonvi l l e, FL Closing Date Credit Line Past Due Minimum Due Amount Due 32231-4167 05/03/2005 $0.00 + $0-00 + $439.44 = $439.44 sale Date Post Date Reference Number Activity Since Last Statement Amount Payments Credits & Adjustments 4/25 39785396 PAYMENT THANK YOU -490.00 Standard Purch 5/03 PURCHASESeFINANCE CHARGEePERIODIC RATE 262.66 Standard Adv 5/03 ADVANCES.FINANCE CHARGE+PERIODIC RATE 35.55 Rate Sale - Charged To Otter 4 5/03 ADVANCES•FIHANCE CHARGE•P£RIODIC RATE 85.92 Balance Transfer - Charged To Offer 5 5/03 PURCHASES'FINANCE CHARGE•PERIODIC RATE 26.39 Balance Transfer - Charged To Offer 6 5/03 PURCHAS ES*FINANCE CHARGEePERIODIC RATE 10.28 Balance Transfer - Charged To Offer T 5/03 PURCHASES+FINANCE CHARGE•PERIODIC RATE 10.94 Balance Transfer - Charged To Offer 8 5/03 PURCHAS ES*FINANCE CHARGE•PERIODIC RATE 2.70 Please note that payments must be received by 1:00 p.m., local time, on a bank business day at the payment processing facility that handles your payments, in order to be credited to your account as of that day, and payments must conform to the payment instructions set forth on the reverse side. All conforming payments received at the Cprocessing facility after that time will be credited as of the following bank business. day. Account Summary Previous + Purchases Payments + (= New Balance &Advances &Credits CHARGE Balance TOTANCESS $$5:123.89. 2 10.00 1490.00 1434.44 $18,272.06 Rate Summary Balance Subject o Periodic Nominal ANNUAL Finance Charqe Rate APR PERCENTAGE RATE PURCHASES Standard Purch $11,115.95 0.08148%(D) 29.740% 29.740% Offer 5 $1 116.84 0.08148 11(D) 29.74011 29.740% Offer 6 435.03 0.08148%(D) 29.740% 29.740% Offer 7 463.02 0.08148%(D) 29.740% 29.740% Offer 8 114.14 0.08148%(D) 29.740% 29.740% ADVANCES Standard Adv 51,504.32 0.08148%(D) 29.740% 29.740% Offer d 13,636.36 0.08148%(D) 29.740% 29.740% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE Or THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citir-ards.com ^e LL27833149514435909 I l 6627 06/28/05 18331.49 $514.43 00 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISL 17013-1170000 PA Citi` Platinum Select" Card 6627 Customer Serricin 1-800-983-6453 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance PO Box 44167 $18480 $148 $18480 $148 $18331.49 Statement/ Amount Over Purch/Adv MInllnum Jacksonville, FL Closing Data Credit Line Past Due Minimum Due Amount Due 32231-4167 06/03/2005 $0.00 + $0.00 + $514.43 = $514.43 Sab Data Post Dab Refarsnca Number Activity Since Lest Statement Amount Payeents Credits 9 Adjustments 6/02 36121412 PAYMENT NANK YOU -450.00 Purch 6/03 LATE Standard - MAY PAYMENT PAST DUE 39.00 6/03 PURCHASES•FINANCE CHARGE'PERIODIC RATE 284.36 Standard Adr 6/03 ADYANCESrFINANCE CHARGE•PERIODIC RATE 38.49 Rate Sale - Charged To Offer 4 6/03 ADVANCES'FINANCE CNARGE'PERIODIC RATE 93.08 Balance Transfer - Charged To Offer 5 6/03 PURCHAS ES*F1NANC E CHARGE•PERIODIC RATE 28.59 Balance Transfer, - Chargqed To Offer 6 6/03 PURCHASEStFIN ANC E CHARGE•PERIODIC RATE 11.14 Balance Transfer - Charged To Offer 7 6/03 PURCHASES•FINANCE CHARGE'PERIODIC RATE 11.85 Balance Transfer - Charged To Offer 8 6/03 PURCHASES*FINANCE CHARGE•PERIODIC RATE 2.92 Your late fee was based on your account balance as of the payment due date (05/30/05), which was $18,272.06. Our records show home phone 717-258-0356 and business phone 717-245-2500. Please update coupon if incorrect. Previous + Purchases Payments + {= New Account Summary Balance 6 Advances -S Credits CHARGE Balance PURCHASES $13,161.87 $39.00 327.53 338.86 $13,212.20 ADVANCES $5,110.19 $0.00 122.47 131.57 $5,119.29 TOTAL $18,272.06 $39.00 450.00 470.43 $18,331.49 Rate Summary Balance Subject o en a Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $11,164.49 0.08216%(D) 29.990% 29.990% Offer 5 $1 122.46 0.08216%(D) 29.990% 29.990% Offer 6 437.22 0.08216%(D) 29.990% 29.990% Offer 7 465.35 0.08216%(D) 29.990% 29.990% Offer 8 114.72 0.08216%(D) 29.990% 29.990% ADVANCES Standard Adv $1,511.11 0.08216%(D) 29.990% 29.990% Offer 4 53,654.66 0.08216%(D) 29.99011. 29.990% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com �..1^I' .._6627828856615635909 � .6627 07/28/05 18268.56 5615.43 00 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi" Platinum Select` Card L . . j 6627 Cu_st.o_mer Serrica: 1-800-983-6453 Total credit Line Available Credit Line C"h Advance Limit Available Cash Limit New ealanee PO Box 44167 $18160 - $0 $18160 $0 $18288.56 Statement/ Amount over PurchMdv Mini in Jacksonville, FL Closing Data Credit Line Past Due Minimum Due Amount Due 32231-4167 07/05/2005 $128.56 + $0.00 + $487.07 = $615.63 Sate Date Post Date Reference Number Activity Siace Last Statement Amount Payments Credits d Adjustments 6/22 35833382 PAYMENT (HANK YOU -525.00 Standard Purch 7/05 PURCHASES*FINANCE CHARGE*PERIODIC RATE 291.53 Standard Adv 7/05 ADVANCES*FINANCE CHARGE•PERIODIC RATE 39.31 Rate Sale - Charged To Offer 4 7/05 ADVANCES«FINANCE CHARGE*PERIODIC RATE 95.38 Balance Transfer - Charged To Offer S 7/05 PURCHASES*FINANCE CHARGE*PERIODIC RATE 29.30 Balance Transfer - Charged To Offer 6 7105 PURCHASES*FINANCE CHARGE*PERIODIC RATE 11.41 Balance Transfer - Charged To Offer T 7/05 PURCHASES*FINANCE CHARGE*PERIODIC RATE 12.15 Balance Transfer - Charged To Offer 8 7/05 PURCHASES*FINANCE CHARGE*PERIODIC RATE 2.99 Good News! Due to your recent payment performance, we are lowering your Annual Percentage Rate (APR) to our standard APR. You will see the new APR on your next statement. Account Summary Previous + Purchases Payments + (= New Balance S Advances &Credits CHARGE Balance$13 212.20 0.00 384.63 2147.38 $13,174 95 ADVANCES $18,331.49 0.00 1525.00 1482.7 $18,288.56 Rate Summary Balance subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $11,088.52 0.08216%((D) 29.990% 29.990% Offer 5 $1 114.28 0.08216%ID) 29.990.4 29.990%, Offer 6 434.03 0.08216%(D) 29.990% 29.990% Offer 7 461.96 0.08216%(D) 29.990% 29.990% Offer 8 113.88 0.08216%(D) 29-990.4 29.9905 ADVANCES Standard Adv 1,495.26 0.08216%(D) 29.990% 29.990% Offer 4 13,626.02 0.08216%(D) 29.990% 29.990% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com rya 6627880011614735903 a ti 6627 =/05 18800.11 $1614.73 21 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISL 17013-1170000 PA Citi"' Platinum Select" Card Account Nia r , 6627 Custbmtar Wvi= 1-800-983-6453 Total credit Line Available credit Line Casa Advance Limit Available CaSn Limit slew Balance PO Box 44167 $18160 $0 $18160 $0 $18800.11 Statement/ Amount over Purch/Adv Minimum Jacksonville, FL Closing Data Credit Line Past Dow Minimum Due Amount Due 32231-4167 08/03/2005 $640.11 + $487.07 + $487.55 = $1614.73 Sale Date Post Date Reference Number Activity Since Last statement Amaoat Payments Credits d Adjustments 7/28 32302308 PAYMENT (HANK YOU -625.00 Standard Purch 7/28 FEE FOR RETURNED CHECK 29.00 8/03 LATE FEE - JUL PAYMENT PAST DUE 39.00 7/28 7/28 68751046 1072805-RETURN CHECK-B-RTM 625.00 8/03 PURCHASES•FINANCE CHARGE+PERIODIC RATE 2.64 Purch/Adv Thru 07/05/2005 8/03 PURCHASESeFINANCE CHARGE•PERIODIC RATE 440.91 Your late fee was based on your account balance as of the payment due date (07/28/05), which was $18,317.56. The Annual Percentage Rate on your account may increase due to one of the following reasons stated in your Card Agreement with us: if you fail to make a payment to us or any other creditor when due, you exceed your credit line or you make a payment to us that is not honored by your bank. Get the first 30 days of optional Citibank Credit Protector Free when you enroll today! Read the enclosed insert, then simply sign as indicated in the lower left-hand corner of your billing statement coupon. Remember to return the coupon with your payment. Account Summary Previous + Purchases Payments + t= New Balance S Advances S Credits CHARGE Balance PURCHASES $18,288.56 $693.00 $625.00 $443.55 $18,800.11 ADVANCES $0.00 $0.00 $0.00 $0.00 $0.00 TOTAL $18,288.56 $693.00 $625.00 $443.55 $18,800.11 Rate Summary Balance Subject to Flerloalc Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $158.13 0.05751%(D) 20.990% 20.990% Purch/Adv Thru 07/05/2005 $18,351.04 0.08285%(D) 30.240% 30.240% ADVANCES Standard Adv $0.00 0.05751%(D) 20.990% 20.990% SEND PAYMENTS T0: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www-citicards.com \• _ 4627828547590835909 Citi 6627 09/27/05 18285.47 $590.83 00 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi" Platinum Select` Card _Account Nomber 6627 Customer Service: 1-800-983-6453 Total credit Line Available Credit Line Cash Advance Limit Available Casn Limit New Balance PD Box 44167 $18160 $0 $18160 $0 $18285.47 Statement/ Amount Over Perch/Adv Minimum Jacksonville, FL Closing Date Credit Line Past Due Minimum Due Amount Due 32231-4167 09/02/2005 $125.47 + $0.00 + $465.36 = $590.83 Sale Date Post Data Reference Hum bar Activity Sint&Last Statement Amount Payments Credits & Adjustments 8/29 33367102 PAYMENT (HANK YOU -350.00 8/10 R0757777 ELECTRONIC PAYMENT-THANK YOU -625.00 Standard Purch 9/02 PURCHASES*FINANCE CHARGE&PERIODIC RATE 5.20 Purch/Adv Thru 07/05/2005 9/02 PURCHASES•FINANCE CHARGE•PERIODIC RATE 455.16 Account Summary Previous + Purchases - Payments + (_)New Balance S Advances S Credits CHARGE Balance PURCHASES $18.800.11 0.00 $975.00 5460.36 $18.285.47 ADVANCES $0.00 0.00 $0.00 $0.00 $0.00 TOTAL $18,800.11 0.00 $975.00 $460.36 $18,285.47 Rate Summery a ante Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $301.17 0.05751%(D) 20.990% 20.990% Purch/Adv Thru 07/05/2005 $18,163.70 0.08353%(D) 30.490% 30.490% ADVANCES Standard Adv $0.00 0.05751%(D) 20.990% 20.990% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com /1• :6627885875707395909 ati 6627 10/27/05 18858.75 $1707.39 21 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, DH 1915 SPRING RD. 43218-2564 17013-1170000 PA Citia" Platinum. Select" Card 5627 Customer Service: 1-800-983-6453 Total Credit Line Available Credit Line Cash Advanec Limit Available Caen Limit New Balance PO Box 44167 $18160 $0 $18160 $0 $18858.75 Statement/ Amount Over Purch/Adv Minimum Jacksonville, FL Closing Date Credit Line Past Out Minimum Due Amount Out 32231-4167 10/04/2005 $698.75 + $465.36 + $543.28 = $1707.39 Sale Data Post Date Referanne Number ActivitV Siace Lest Statement amount Standard Purch 10104 LATE FEE - SEP PAYMENT PAST DUE 39.00 10/04 OVER CREDIT LIMIT FEE 35.00 10104 PURCHASES•FINANCE CHARGE•PERIODIC RATE 4.79 Purch/Adv Thru 07/05/2005 10104 PURCHASES•FINANCE CHARGE*P£RIODIC RATE 494.49 Your late fee was based on your account balance as of the payment due date (09/27/05), which was $18,285.47. r The Annual Percentage Rate on your account has been increased due to one of the following reasons stated in your Card Agreement with us: you failed to make a payment to us when due, you exceeded your credit line or you made a payment to us that was not honored by your bank. Important Infortmation About Your Account. Please see enclosed Notice of Change in Terms and Right to Opt Out for important changes to your Card Agreement. Please see the enclosed privacy notice for important information. Help protect your account! Monitor your charges before your statement arrives and ensure that no one is purchasing on your card but you. Sign in or register at www.citicards.com Account Summary revious + urc ases aymen s + (_)New Balance S Advances 6 Credits CHARGE Balance PURCHASES $18,285.47 $74.00 0.00 $499.28 $18,858.75 ADVANCES $0.00 $0.00 0.00 $0.00 $0.00 TOTAL $18,285.47 $74.00 0.00 $499.28 $18,858.75 Rate Summary Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $177.86 4.06422%(.D) 30.740% 30.740% Purch/Adv Thru 07/05/2005 $18,348.33 0.08422%(D) 30.74014 30.740% ADVANCES Standard Adv $0.00 0.08422%(D) 30.740% 30.740% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com ��• .6627878813536155904 C' I 6627 11/28/05 18788.13 $1536.15 21 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISL 17013-1170000 PA .'D Citi" Platinum Select" Card Account Number.- '6627 -customer Serviei 1-800-983-6453 Total credit Line Available Credit Line Cash AAvance Limit Available Cain Limit New Be In nee PO Box 44167 $18160 $0 $18160 $0 $18788.13 Statement/ Amount Over PurCh/AdV Minimum Jacksonville, FL CIDSlaq Data Credit Line Past Due Minimum Due Amount but 32231-4167 !1/02/2005 $628.13 + $408.64 + $499.38 = $1536.15 sale Dab Post Date Refen,rs Number Activity Since Lest Statement Amount Pa ,10/13 32910192 PAYMENTSTHANKdYOU Adjustments -600.00 Standard Purch 11102 LATE FEE - OCT PAYMENT PAST DUE 39.00 11/02 OVER CREDIT LIMIT FEE 35.00 11/02 PURCHASES•FINANCE CHARGE•PERIODIC RATE 6.04 Purch/Adv Thru 07/05/2005 11102 PURCHASES•FINANCE CHARGE•PER10D1C RATE 449.34 Your late fee was based on your account balance as of the payment due date (10/27105), which was $16,258.75. Your account is past due and your balance is over the credit line. To ensure you continue to receive the Pony benefits of your cardmembership, please send the Minimum Amount Due shown. If you have already sent us this payment, thank you. Pay your Citi credit card bill online anytime. It's easy secure and free. Plus, you can schedule payments in advance or pay Ns Ipm SST to post the same business day: Sign-on to citicards.com and select Make a Payment. Account Summary revious + Purchases Payments + t= New Balance b Advances S Credits CHARGE Balance PURCHASES $18.858.75 $74.00 $600.00 $455.38 $18,788.13 ADVANCES $0.00 $0.00 $0.00 $0.00 $0.00 TOTAL $18,858.75 $74.00 $600.00 $455.38 $18,788.13 Rate Summery Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $247.15 0-08422%(D) 30.740% 30.740% Purch/Adv Thru 07/05/2005 $18,397.50 0.08422%(D) 30.740% 30.740% ADVANCES Standard Adv $O.OD 0.08422%<D) 30.740% 30.740% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE of THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com �1e _ _ '6627898080075495903 citl 6627 12/29/05 16980.80 52075.49 21 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi* Platinum Select` Card Account ft-t- 6627 cltslyrY ar Service: 1-800-983-6453 Total Credit Line Available Credit Line Cash Advance Limit AVallobie Cash Limit New Balance PO Bolt 44167 $18160 $0 $18160 $0 $18960.80 Statement! Amount Over Parch/ALV Minimum Jacksonville, FL elosloq Data Credit Line Past Due Minimum Due Amount Due 32231-4167 12/05/2005 $820.80 + $499.38 + $755.31 = $2075.49 Sete Date Pmt Date Reference Number Activity Since Lest Statement Amount Payments Credits I Adjustments 11/18 97694186 PAYMENT (HANK YOU -408.64 Purch 12/05 LATE Standard - NOV PAYMENT PAST DUE 39.00 12/05 OVER CREDIT LIMIT FEE 35.00 12/05 PURCHASES•FINANCE CHARGEaPERIODIC RATE 8.56 Purch/Adv Thru 07/05/2005 12/05 PURCHASES•FINANCE CHARGE•PERIODIC RATE 518.75 Your late fee was based on your account balance as of the payment due date (11/28105), which was $18,379.49. Your account is past due and your balance is over the credit line. To ensure you continue to receive the many benefits of your cardmembership, please send the Minimum Amount Due shown. If you have already sent us this payment, thank you. Our records show home phone 717-258-0356 and business phone 717-249-1535. Please update coupon if incorrect. KEEP TRACK OF YOUR HOLIDAY SPENDING! Stay on top of your purchases and available credit on your Citi credit card this holiday season. Sign-on at citicards.com today and view your account summary anytime, anywhere. Pay your Citi credit card bill online anytime. It's easy secure and free. Plus, you can schedule payments in advance or pay by ipm SST to post the same business day! Sign-on to citicards.com and select Make a Payment. Account Summary Previous + urc ases - aymen s + (= New Balance &Advances &Credits CHARGE Balance PURCHASES $18,788.13 $74.00 $408.64 $527.31 $18,980-80 ADVANCES $0.00 $0.00 $0.00 $0.00 $0.00 TOTAL $18,788.13 $74.00 $408.64 $527.31 $18,980.80 Rate Summary Balance lee o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $305.44 0.08490%(D) 30.990% 30.990% Purch/Adv Thru 07/05/2005 $18,515.65 0.08490%(D) 30.990% 30.990% ADVANCES Standard Adv $0.00 0.08490%(D) 30.990% 30.990% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMEN7 INFORMATION. Visit: www.citicards.com ��• _ _ 6627873175605445904 ati 6627 01/27/06 18731.75 $1605.44 42 Al 1184 4 MC 4 CIT1 CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OK 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi2' Platinum Select`' Card 6627 tustorner Semitx 1-800-983-6453 Total Credit Line Available credit Line rash Advance Limit Available Cash Limit New Balance PO Box 44167 $18160 $0 $18160 $0 $16731.75 Statement/ Amount Over Purch/Adv Minimum Jacksonville, FL Closin0 Data Credit Line Past Dye Minimum Due Amount Due 32231-4167 01/04/2006 $571.75 + $753.69 + $280.00 = $1605.44 Sale Date Post Data Raterenna Number Activity Since Last Statement Amount Payments Credits i Adjustments 12/30 97678217 PAYMENT THANK YOU -264.00 1/03 PARTIAL DEFERMENT TRANSACTION -237.00 Standard Purch 11/03 12/30 103 18200000 PARTIAL PHONE DEFERMENTSERVICE TRANSFEE CTION 237.00 PAYMENT ALERT: To avoid a late fee, please get.your payment to us by the cutoff time on the due date shorn on your billing statement. Account Summary Previous + Purchases - Payments + (= New Balance &Advances S Credits CHARGE Balance PURCHASES $18,980.80 $251.95 $501.00 0. $18,731 0 .75 ADVANCES $0.00 $0.00 $0.00 0.00 WOO TOTAL $18,980.80 $251.95 $501.00 0.00 $18,731.75 Rate Summary Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $0.00 0.08559%(D) 31.240% 31.240% Purch/Adv Thru 07/05/2005 $0.00 0.08559%(D) 31.240% 31.240% ADVANCES Standard Adv $0-00 0.08559%(D) 31.240% 31.240% . $ENO PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE S10E OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www-citicards.com ��• LL2784L7758L3445902 C' I 6627 02/27/04 18467.75 $843.44 42 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS. OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi` Platinum Select Card Account NumtMr 6627 Customer Service- 1-800-983-6453 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance PO Box 44167 $18160 $0 $18160 $0 $18467.75 Statement/ Amount Over Purch/Adw Minimum Jacksonville, FL Closing Date Credit Line Past Due Minimum Due Amount Due 32231-4167 02102/2006 $307.75 + $278.69 + $277.00 = $863.44 Sale Date Post Date Rolerams Number Activity since Lost Statement Amount Payments Credits & Adjustments 1/13 97716072 PAYMENT t"ANK YOU -132.00 1/27 97945247 PAYMENT THANK YOU -132.00 2/01 PARTIAL DEFERMENT TRANSACTION -491.00 2/01 2/01 PART1ALaDEFERMENT TRANSACTION 491.00 Account Summary Previous + Purchases - Payments + (_)New Balance S Advances S Credits CHARGE Balance PURCHASES $18.731.75 $491.00 $755.00 0.00 $18.467.75 ADVANCES $0.00 $0.00 $0.00 0.00 $0.00 TOTAL $18.731.75 $491.00 $755.00 0.00 $18.467.75 Rate Summary a ante Subject D ergo Ic omina ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $0.00 0.08559%(D) 31.240% 31.240'4 Purch/Adv Thru 07/DS/2005 $0.00 0.08559%(D) 31.240% 31.240% ADVANCES Standard Adv $0.00 0.08559%(D) 31.240% 31.240% SEND PAYMENTS T0: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com rte• ;6627820375592445909 ati 6627 03/28/06 18203.75 $592.44 42 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Ciff" Platinum Select Card Account Number 6627 utistomer Service: 1-800-983-6453 Total Credit Line Available Credit Line Cash Advance Umit Available Cash Lirnit New Balance $18160 $0 $18160 $0 $18203.75 PO Box 4 i 167 Statement/ Amount Over Purch/Adv Minimum JaeksonvI i i e, FL elosln0 Data Credit Line Past Due Minimum Due Amount Due 32231-4167 03/03/2006 $43.75 + $275.69 + $273.00 = $592.44 Sale Date Post Date Roferaara Number Activity Since Lest Statement Amount Puyments Credits t Adjustments 2/10 97902028 PAYMENT (HANK YOU -132.00 2/24 97828089 PAYMENT THANK YOU -132.00 3/02 PARTIAL DEFERMENT TRANSACTION -16.00 3/02 3/02 PARTIALdDEFERMENT TRANSACTION 16.00 Account Summary Previous r Purchases Payments + = new Balance &Advances S Credits CHARGE Balance PURCHASES $18,467.75 $16.00 $280.00 0.00 $18,203.75 ADVANCES $0.00 $0.00 $0.00 0.00 $0.00 TOTAL $18,467.75 $16.00 $280.00 0.00 $18,203.75 Rate Summary Balance sec o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $0.00 0.08627%(D) 31.490% 31.490% Purch/Adv Thru 07/05/2005 $0.00 0.08627%(D) 31.490% 31.490% ADVANCES Standard Adv $0.00 0.08627%(D) 31.490% 31.490% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. - Visit: www.citicards.com ll• _ .LL27793975540L95902 ii 6627 04/27/06 17939.75 X540.69 42 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISL 17013-1170000 PA Citiv' Platinum Select` Card Atcdunt Number. t 6627 Customer Seryicr. 1-800-983-6453 Total credit Line Available Credit Line Cash Advance Limit Available Cash Limit New 981aoee PO Box 44167 $18160 $0 $18160 $0 $17939.75 Statement/ Amount Over Purch/Adv Mkdmum Jacksonville, FL closing Date Credit Line Past Due Minimum Due Amount Due 32231-4167 04104/2006 $0.00 + $271.69 + $269.00 = $540.69 sold Date Post Date Referancv Number Activity Since Lest Statement Amount Payments Credits i Adjustments 3110 97757168 PAYMENT (HANK YOU -132.00 3/24 97995054 PAYMENT THANK YOU -132.00 4/01 PARTIAL DEFERMENT TRANSACTION -13.00 4/01 4/01 PARTIALdDEFERMENT TRANSACTION 13.00 Account Summary Previous + Purchases Payments + (= New Balance &Advances S Credits CHARGE Balance PURCHASES $18.203.75 $13.00 $277.00 60.00 $17.939.75 ADVANCES $0.00 $0.00 $0.00 $0.00 $0.00 TOTAL $18.203.75 $13.00 $277.00 $0.00 $17,939.75 Rate Summery Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $0.00 0.08696%(D) 31.740% 31.740% Purch/Adv Thru 07/05/2005 $0.00 0.08696%(D) 31.740'% 31.740% ADVANCES Standard Adv $0.00 0.08696%(D) 31.740% 31.740% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com ��►• '6627767575532695902 C1 I ® ®6627 05/29/06 17675.75 $532.69 42 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISL 17013-1170000 PA Citix Platinum Select" Card Aetount Number _ .6627 customer'Servici. 1-800-983-6453 Total credit Line Available credit Line Cash Advance Limit Available Casm Limit New Balance $18160 $0 $18160 $0 $17675.75 PO Box 4�167 Statement/ Amount Over PMTCh/ACV Mbdmum Jacksovi 11 e, FL Closing Date Credit Line Past Due Minimum Due Amount Due 32231-4167 05/03/2006 $0.00 + $2b7.69 + $265.00 = $532.69 Sate Date Post Date Referenco Number Activity Since Last Statement Amount Payments Credits d Adjustments 4/07 97744040 PAYMENT (HANK YOU -132.00 4/21 97645246 PAYMENT THANK YOU -132.00 5/02 PARTIAL DEFERMENT TRANSACTION -9.00 Standard Purch 5/02 5/02 PARTIAL DEFERMENT TRANSACTION 9.00 Account Summary Previous * Purchases Payments + (= New Balance S Advances &Credits CHARGE Balance PURCHASES $17,939.75 9.00 $273.00 0.00 $17,675.75 ADVANCES $0.00 0.00 $0.00 0.00 $0.00 TOTAL $17,939.75 19.00 $273.00 0.00 $17,675.75 Rate Summery Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $0.00 0.08696%(D) 31.740% 31.740% Purch/Adv Thru 07/05/2005 $0.00 0.08696%(D) 31.740% 31.740% ADVANCES Standard Adv $0.00 0.08696%(D) 31.740% 31.740% SEND PAYMENTS T0: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com /�• •6627741175524695902 Citi •6627 06/29/06 17411.75 $524.69 42 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-3170000 Citi"' Platinum Select` Card Account Number :6627 Customer 5erviees 1-800-983-6453 Tetal Credit Une Avaiiabie Credit Line cash Advance Limit Avallable CaSh Limit New Balance PO :ox 44167 $18160 $0 $18160 $0 $17411.75 PO :ox 44167 6tatement/ Amount Over Purch/Adv Minimum Jac sonvi l l e, FL closing Date Credit Une Past Due Minimum Due Amount Due 32231-4167 06105/2006 $0.00 + $263.69 + $261.00 = $524.69 Sale Data Post Deto Reference Number Activity Since Lest Statement Amount Payments Credits & Adjustments 5/05 97834114 PAYMENT (HANK YOU -132.00 5/19 97706147 PAYMENT THANK YOU -132.00 6/02 PARTIAL DEFERMENT TRANSACTION -5.00 Purch 6102 6/02 PARTIALdDEFERMENT TRANSACTION 5.00 Our records show home phone 717-258-0356 and business phone 717-249-1535. Please update coupon if incorrect. Previous Purchases Payments + (= New Account Summary Balance S Advances -�Credits CHARGE Balance PURCHASES $17,675.75 65.00 $269.00 60.00 $17,411.75 ADVANCES $D.00 50.00 $0.00 f0.00 $0.00 TOTAL $17,675.75 $$5.00 $269-00 5510.00 $17,411.75 Rate Summary Balance u iec o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $0.00 0.08764%(D) 31.990% 31.990% Purch/Adv Thru 07/05/2005 $0.00 0.08764%(D) 31.990 + 31.990% ADVANCES Standard Adv $0.00 0.08764%(D) 31.990% 31.990% SEND PAYMENTS 7O: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com I• 6627729570518695908 ' 6627 07/28/06 17295.70 $518.69 42 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 17013-1170000 PA Citi" Platinum Select` Card af2MMt.71Wnblf 6627 Customer Service: 1-800-983-6453 Total Credit Line Available Credit Line cash Advance Limit Available Casn Limit New Balance PO Box 44167 $18160 $0 $18160 $0 $17295.70 Statement/ Amount Over ParchlAdv MltYmum Jacksonville, FL closing Data Credit Line Past Due Minimum Due Amount Due 32231-4167 07/05/2006 $0.00 + $259.69 + $259.00 = $518.69 Sala Date Post Date Reference Number Activitr Since Last statement Amount Payments Credits S Adjustments 6130 97894116 PAYMENT THANK YOU -131.06 7/04 50% DEFERMENT TRANSACTION -134.00 Standard Purch 7144 7/304 18200000 P50%BDEFERMENTETRANSACTION 134.0 Please see enclosed privacy notice for important information. Account Summary Previous + Purchases Payments + = New Balance 8 Advances S Credits CHARGE Balance PURCHASES $17,411.75 $148.95 $265.00 0.00 $17,295.70 ADVANCES $0.00 $0.00 $0.00 0.00 $0.00 TOTAL $17,411.75 $148.95 $265.00 0.00 $17,295.70 Rate Summary a once Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $0.00 0.08833%(D) 32.240% 32.240% Purch/Adv Thru 07/05/2005 $0.00 0.08833%(D) 32.24016 32.240% ADVANCES Standard Adv $0.00 0.08833%(D) 32.240% 32.240%, SEND PAYMENTS 70: 32 PLEASE REFER TO INC REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com C {.le 6627716370514695902 i 6627 08/28/06 17163.70 $514.69 42 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 17013-1170000 PA Citi* Platinum Select`" Card Account Nurnber 66Z7 customer Services 1-800-983-6453 Totai credit Line Available Credit Line Cash Advance Limit Available Cash Lhnit New Balance PO Box 44167 $18160 $0 $18160 $0 $17163.70 Statement/ Amount peer Purch/Adv Mlnlmam Jaeksonvi l 1 e, rL Closing Date Credit Line Past Due Minimum Due Amount Due 32231-4167 08/03/2006 $0.00 + $257.69 + $257.00 = $514.69 Sab Data Post Date Reference Numbar Activlty Since Lost Statement Amount Payments Credits d Adjustments 7/14 97942005 PAYMENT (HANK YOU -66.00 7/28 97669167 PAYMENT THANK YOU -66.00 8/02 50% DEFERMENT TRANSACTION -129.00 Standard Parch 8/02 8/02 50% DEFERMENT TRANSACTION 129.00 Account Summary Previous + Purchases Payments + FINANCE New Balance G Advances S Credits CHARGE Balance PURCHASES $17.295.70 $129.00 $261.00 j0.00 $17,163.70 ADVANCES $0.00 $0.00 $0.00 j0.DO $0.00 TOTAL $17.295.70 $129.00 $261.00 50.00 $17,163.70 Balance Subject O erl is Nominal Rate Summery APR ANNUAL Finance Charge Rate 9 PERCENTAGE RATE PURCHASES Standard Purch $0.00 0.08833%(D) 32.240% 32.240% Purch/Adv Thru 07/05/2005 $0.00 0.08833%(D) 32.240% 32.24076 ADVANCES Standard Adv WOO 0.08833%(D) 32.240% 32.240% SEND PAYMENTS TO. 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com /Ie _ 6627703170510695905 c l •6627 09/28/06 17031.70 (510.69 42 Al 1184 4 MC 4 CITI CARDS P.D. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 17013-1170000 PA Citi% Platinum Select` Card Aewunt NaNl1NK 6627 Customer Servk= 1-800-983-6453 Total Credit Line Available Credit Like Cash Advance Limit Available Cash Limit New Balance PO Box 44167 $18160 $0 $18160 $0 $17031.70 Statement/ Amount Over Purch/Adv Minimum Jacksonville, FL Closing Date Credit Line Past Div Minimum Due Amount Due 32231-4167 09/05/2006 $0.00 + $255.69 + $255.00 = $510.69 Sala Data Post Date Reference Number Activity Since Last Slat ament Aindmt Payments Credits i Adjustments 8117 97691032 PAYMENT (HANK YOU -66.00 8131 97814102 PAYMENT THANK YOU -66.00 9/02 50% DEFERMENT TRANSACTION -127.00 Standard Purch 9/02 9102 50% DEFERMENT TRANSACTION 127.00 Account Summary Previous • Purchases - Payments + �= New Balance &Advances S Credits CHARGE Balance PURCHASES $17,163.70 $127.00 $259.00 0.00 $17,031.70 ADVANCES $0.00 $0.00 0.00 0.00 $0.00 TOTAL $17,163.70 $127.00 $259.00 0.00 $17,031.70 Rate Summary Balance Subject to fleriodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $0.00 0.08833%(D) 32.2407E 32.240% Purch/Adv Thru 07/D512005 $0.00 0.08833%(D) 32.240% 32.240% ADVANCES Standard Adv $0.00 0.08833%(D) 32.240% 32.240% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. - Visit: www.citicards.com C . 6627751242166415903 j t i6627 10/27/06 17512.42 $1166.41 32 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi` Platinum Select` Card Aeenimt.M,wher 6627 Customtr Servltx: 1-800-983-6453 Total credit Line Available credit Line cash Advance Limit Avauabte cash Limit New Balance $18160 $0 $18160 $0 $17512.42 P0 Rox 4�167 Statement/ Amount Over Purch/Adv 001mmum Jacksonville, FL Closing Data Credit Line Past Due Minimum Due Amount Due 32231-4167 10/04/2006 $0.00 + $510.69 + $655.72 = $1166.41 Sale Oat* Post Date Weranno Number Activity Since Last Statement Amount Standard Purch 10/04 LATE FEE - SEP PAYMENT PAST DUE 39.00 10/04 PURCHASES'FINANCE CHARGE•PERIODIC RATE 6.61 Purch/Adv Thru 07/05/2005 10/04 PURCHASEWINANCE CHARGE•PERIODIC RATE 435.11 Your late fee was based on your account balance as of the payment due date (09/28/06), which was $17,031.70. Your account is two months past due and your credit privileges have been discontinued. Please call the toll-free number shown above, Monday - Friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. If you have already sent us this payment, thank you. Your account balance is now below your credit line. Please keep in mind that if you exceed your credit line in the future, you may be assessed a fee. Account Summary Prev ious + urc as es Payments + C= New Balance S Advances S Credits CHARGE Balance PURCHASES $17,031.70 $39.00 0.00 $441.72 $17,512.42 ADVANCES $0.00 $0.00 0.00 $0.00 $0.00 TOTAL $17,031.70 $39.00 0.00 $441.72 $17.512.42 Rate Summary Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $257.86 0.08833%(D) 32.24076 32.240% Purch/Adv Thru 07/05/2005 $16,986.14 0.08833%(D) 32.240% 32.24076 ADVANCES Standard Adv $0.00 0.08833%(D) 32.240% 32.24076 SEND PAVUENTS 70. 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com �/;��• _ _ LL27&005L1839L05900 6627 11/27/06 18005.61 $1$39.60 32 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, ON 1915 SPRING RD. 4321$-2564 CARLISLE PA 17013-1170000 Citi" Platinum Select" Card Account Number ' 6627 Customer Service: 1-800-983-6453 Tatar Credit Line Auetlable Credit Line rash Adva■ce Limit Available Cash Limit dew Balance PO Box 44167 $18160 $0 $18160 $0 $18005.61 Statement/ Amount Ovcr Pureh/Adv Minimum Jacksonville, FL Closing Date Credit Line Past Due Minimum Due Amount Due 32231-4167 11102/2006 $0.00 + $1166.41 + $673.19 = $1839.60 Sake Date Post Date Reference Number Activity Since Lmt Statament Amount Standard Purch 11102 LATE FEE - OCT PAYMENT PAST DUE 39.00 11/02 PURCHASES*FINANCE CHARGE•PERIODIC RATE 7.79 Purch/Adv Thru 07/05/2005 11102 PURCHASES*FINANCE CHARGE•PERIODIC RATE 446.40 Your late fee was based on your account balance as of the payment due date (10/27/06), which was $17,512.42. Your account is now 3 MONTHS PAST DUE and currently closed. Please call the toll-free number shown above to learn about our special payment options. Call Monday - Friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. Account Summary Previous + Purchases aymen s e l= New Balance S Advances S Credits CHARGE Balance PURCHASES $17,512.42 $39.00 0.00 $454.19 $18,005.61 ADVANCES $0.00 $0.00 0.00 60.00 50.00 TOTAL $17,512.42 $39.00 0.00 $454.19 $18,005.61 Rate Summary Balance SubjecF to Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $304.04 0.08833%(D) 32.24016 32.24016 Purch/Adv Thru 07/05/2005 $17,426.67 0.08833%(D) 32.240% 32.240% ADVANCES Standard Adv $0.00 0.08833%(D) 32.240% 32.240% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com ^ • 6627833776497515909 ci `i 6627 1Z/28/06 18337.76 $2497.51 32 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, ON 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi* Platinum Select Card Account Number 6627 Customer Services• 1-800-983-6453 Total credit Line Available credit Line cash Advance Limit Available Casn Limit New Balance PO Boz 44167 $18160 $0 $18160 $0 $18337.76 Statement/ Amount Over Purch/AOv Minimum P0 8::n I 1 e, FL Closing Date Credit Line Past Due Minimum Due Amount Due 32231-4167 12/04/2006 $177.76 + $1583.60 + $736.15 = $2497.51 Sale Data Post Date Refereaae Number Activity Since Last Statement Amount Payvents, Credits d Adjustments 11/27 97766016 PAYMENT THANK YOU -256.00 12/04 LATEdFEE - NOV PAYMENT PAST DUE 39.00 12/04 OVER CREDIT LIMIT FEE 35.00 12/04 PURCHASES'FINANCE CHARGE*PERIODIC RATE 8.13 Purch/Ade Thru 07/05/2005 12%04 PURCHASES•FINANCE CHARGE•PERIODIC RATE 506.02 Your late fee was based on your account balance as of the payment due date (11/27/06), which was $17,749.61. Your account is now 3 MONTHS PAST DUE and currently closed. Please call the toll-free number shown above to learn about our special payment options. Call Monday - Friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Tithe. Our records show home phone 717-258-0356 and business phone 717-249-1535. Please update coupon if incorrect. Account Summary Previous + Purchases Payments t (= ew Balance b Advances 5 Credits CHARGE Balance PURCHASES $18,005.61 $74.00 $256.00 $514.15 $18,337.76 ADVANCES $0.00 $0.00 $0.00 $0.00 $0.00 TOTAL $18,005.61 $74.00 $256.00 $514.15 $18,337.76 Rate Summary Balance Subject to Periodic omens ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $287.69 0.08833%(D) 32.240% 32.240% Purch/Adv Thru 07/05/2005 $17,902.43 0.08833%(D) 32.240% 32.240% ADVANCES Standard Adv $0.00 0.0883376(D) 32.240% 32.24076 SEND PAYMENTS 70: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: citl 6627890397903975908 6627 01/29/07 18903.97 18903.97 32 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISL 17013-1170000 PA Citi` Platinum Select* Card Account Number . 6627 L;uscomer Service: 1-800-983-6453 Total Credit Line Available Cnedlt Line cash AdNance Limit Available Casn Limit New Balance PO Box 44167 $18160 $0 $18160 $0 $18903.97 Statement/ Amount Over Purch/Adv Mlnlmvm JBeksonvi I 1 e, FL Closing Data Credit Lim. Past Do* Minimum Due Amount Due 32231-4167 01/0312007 $743.97 $2319.75 $719.21 $18903.97 Sale Oate Past Date Raferanns number Activity Since Last Statement Amount Standard Purch 1/03 LATE FEE - DEC PAYMENT PAST DUE 39.00 1/03 OVER CREDIT LIMIT FEE 35.00 1/03 PURCHASES«FINANCE CHARGE'PERIODIC RATE 4.65 Purch/Adv Thru 07/05/2005 1/03 PURCHASES•FINANCE CHARGE*PERIODIC RATE 487.56 Your late fee was based on your account balance as of the payment due date (12/28/06), which was =18,337.76. Help is available! Please call the toll-free number shown above to learn about our special payment options. Call Monday - Friday, 7 am to 9 pm, or Saturday, a am to 5 pm, Central Time. Please give us the opportunity to assist you. Account Summary revious + Purchases Payments + (= New Balance b Advances 5 Credits CHARGE Balance PURCHASES $18.337.76 $74.00 $0.00 $492.21 $18,903.97 ADVANCES $0.00 $0.00 j0.00 $0.00 $0.00 TOTAL $18,337.76 $74.00 550.00 $492.21 $18,903.97 a ance Su lac o Periodic Nominal Rate Summery Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $175.46 0.08833%(D) 32.240% 32.240% Purch/Adv Thru 07/05/2005 $18,399.12 0.08833%(D) 32.240% 32.240% ADVANCES Standard Adv $0.00 0.08833%(D) 32.240% 32.240% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com ^�'e 6627872892538885904 c - 6627 02/27/07 18728.92 $3538.86 44 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 17013-1170000 PA Citi' Platinum Select` Card Account»meter 6627 Customer Service: 1-800-983-6453 TOW credit Line Available Credit Line cash Advance Limit AVailable Cash Limit New Balance - PO Box 44167 $18160 $0 $18160 $0 $18728.92 Statement/ Amount Over Porch/Adv Minimum Jacksonri I 1 e, FL Closlag Data Credit Line Past Due Minimum Due Amount Due 32231-4167 02/02/2007 $568.92 + $2782.96 + $187.00 = $3538.86 Sala Date Post Onto Retarenco Number Activity Since Last Statement Amount Paygents Credits S Adjustments 1/26 97847133 PAYMENT (HANK YOU -190.00 2101 PARTIAL DEFERMENT TRANSACTION -66.00 Standard Purch 1/26 1126 F8200000 PAY BY PHONE SERVICE FEE 14.95 2/01 2/01 PARTIAL DEFERMENT TRANSACTION 66.00 Call 1-800-945-9890 with questions about enclosed Notice of Class Action Settlement. Account Summary Balance r Purchases eVmen s + = New Balance Advances S Credits CHARGE Balance PURCHASES $18,903.97 $80.95 $256.00 0.00 $18,728.92 ADVANCES $0.00 $0.00 $0.00 0.00 s0.00 TOTAL $18,903.97 $80.95 $256.00 0.00 $18,T28:92 Balance Subject o en is Nominal Rate Summary Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $230.52 0.00000%(M) 0.000% 0.000% Purch/Adv Thru 07/0512005 $18,632.60 0.00000%(M) 0.000% 0.000% ADVANCES Standard Adv $0.00 0.00000%(M) 0.000% 0.000% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com C `le 6627853892877885906 6627 03/28/07 185387-92 $2877.88 44 Al 1164 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE 3 1170000 PA Citi* Platinum Select" Card Account Nmnn►r 6627 Customer Sawicz 1-800-983-6453 Tote credit Line Available Credit Line Cash Advance Limit Available Casn Limit New Balance PO Box 44167 $18160 $0 $18160 $0 $18538.92 Statement/ Amount Over PurchlAdv Minimum Jacksonri i i e, rL closing Date Credit Line Past Dae Minimum Due Amount Due 32231-4167 03105/2007 $378.92 + $2313.96 + $185.00 = $2877.68 Sale Data Past Date Reference Number Activity Since Last statement Amount Payments, Credits & Adjustments 2/26 97750111 PAYMENT THANK YOU -190.00 3/02 PARTIAL DEFERMENT TRANSACTION -466.00 3/02 3/02 PARTIALdDEFERYENT TRANSACTION 466.00 Account Summary revious + Purchases Payments + FINANCE New Balance S Advances S Credits CHARGE Balance PURCHASES $18,728.92 $466.00 $656.00 0.00 $18.538.92 ADVANCES $0.00 $0.00 $0.00 0.00 $0.00 TOTAL $18,728.92 $466.00 $656.00 10.00 $18,538.92 Balance Subject o Periodic Nominal Rate Summary Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $247.91 0.00000%(M) 0.000% 0.000% Purch/Adv Thru 07/05/2005 $18,436.10 0.00000%(M) 0.000% 0.000% ADVANCES Standard Adv $0.00 0.00000%(M) 0.000% 0.000% SEND PAYMENTS 70: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com c''�_/1ia 0627834892371925905 6627 104/27/07 18348.92 $371.92 44 Al 1184 4 MC 4 CITI CARDS P-0. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 17013-1170000 PA Citi' Platinum Select` Card _ .enynr.rrameer _ 6627 Customer Service 1-800-983-6453 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance PO Box 44167 $18160 $0 $18160 $0 $18348.92 Statement/ Amount Over Purch/Adv Minimum Jaeksonvi l ie, FL Closing Date Credit Line Past Due Minimum Due Amount Due 32231-4167 04103/2007 $188.92 4 Moo + $183-00 = $371.92 Seib Data Post Data Releran Number Activity Since Last Statement amount Payments, Credits i Adjustments 3/26 97831230 PAYMENT THANK YOU -190.00 3/31 PARTIAL DEFERMENT TRANSACTION -483.00 Standard Purch 3/31 3131 PARTIAL DEFERMENT TRANSACTION 483.00 Account Summary -Balance + urc as es Payments + C= New Balance S Advances 6 Credits CHARGE Balance PURCHASES $18,538.92 $483.00 $673.00 0.00 $18,348.92 ADVANCES $0.00 $0.00 $0.00 0.00 $0.00 TOTAL $18,538.92 $483.00 $673.00 0.00 $18,346.92 Rate Summary a ante Subject to Periodic Rominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $619.92 0.00000%(M) 0.000% 0.000% Purch/Adv Thru 07/05/2005 $17,866.58 0.00000%(M) 0.000% 0.000% ADVANCES Standard Adv $0.00 0.00000%(M) 0.000% 0.000% SEND PAYMENTS TO, 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com C/a '1a . ..e627815892181005909 LIZ MUM T-� 6627 05/28/07 18158.92 $181.00 44 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 17013-1170000 PA Citi' Platinum Select` Card Account Number 6627 Customer Service: 1-800-983-6453 Total credit Line Available Credit Line Cash Advance Limit Available Casn Limit New Balance PO Box 44167 $18160 $0 $18160 $0 $18158.92 Statement/ Amount Over Purch/Adv mwmum Jacksonville, rL Clusing Date Credit Line Past Due Minimum Due Amavnt Due 32231-4167 05/03/2007 $0.00 + $0.00 + $181.00 = $181.00 Safe Data Post Date Reierence Number activity S'nce Last Statement Amount Payments Credits S Adjustments 4/26 97878049 PAYMENT (HANK YOU -190.00 Account Summary Previous + Purchases - Payments + (= New Balance S Advances Ji Credits CHARGE Balance PURCHASES $18,348.92 0.00 $190.00 0.00 $18,158.92 ADVANCES $0.00 0.00 $0.00 0.00 $0.00 TOTAL $18,348.92 0.00 $190.00 10.00 $18,158.92 Balance subject o ergo c Nominal Rate Summary Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $913.20 0.00000%(M) 0.000% 0.000% Purch/Adv Thru 07/05/2005 $17,391.38 0.00000%(M) 0.000% 0.000% ADVANCES Standard Adv $0.00 0.00000%(M) 0.00076 0.000% SEND PAYMENTS 70: 32 PLEASE REFER TO THE REVERSE SIDE Of THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com fit• 6L2779L89217900590L Ceti 6627 06/27/07 17968.92 $179.00 44 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 17013-1170000 PA Citi`� Platinum Select Card 6627 Customer Service 1-800-983-6453 Total credit Line Available credit Line Cash Advance Limit Avallable Cash Limit New Balance PO Box 44167 $18160 $0 $18160 $0 $17968.92 Statement/ Amount Over PurchlAdv Minimum incksonvil le, FL Closing Date Credit Line Past Out Minimum Due Amount Due 32231-4167 06105/2007 $0.00 + $0.00 + $179.00 = $179.00 Salt Data Post Date Referalune Number Activity Sine Last Statement amount . Paraenls Credits & Adjustments 5/25 97762287 PAYMENT fHANK YOU -190.00 Our records show home phone 717-258-0356 and business phone 717-249-1535. Please update coupon if incorrect. Account Summary Previous + Purchases Payments + ( New Balance b Advances S Credits CHARGE Balance PURCHASES $18,158.92 0.00 $190.00 0.00 $17,968.92 ADVANCES $0.00 0.00 $0.00 f0.00 $0.00 TOTAL $18,158.92 10.00 $190.00 $0.00 $17,968.92 Rate Summary Balance Subject o Periodic omina ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $744.33 O.000OO'>G(M) 0.00016 0.00016 Purch/Adv Thru 07/05/2005 $17,351.25 0.00000%(M) 0.000% 0.000% ADVANCES Standard Adv $0.00 0.00000%(M) 0.00016 0.000% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com ^7%6 a 6627777892177005901 6627 07/30/07 17778.92 $177.00 44 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISL 17013-1170000 PA Citi" Platinum Select" Card ,6627 Customer Service: 1-800-983-6453 Total Credit Line Available Credit Line Cash Advance Limit Available Cash LMnit New Balance PO Box x4167 $18160 $0 $18160 $0 $17778.92 Statement! Amdunt over Porch/Adv Minimum Jacksonville, FL Clasinp Date Credit Lfne Past Due Minimum Due Amount Due 32231-4167 07/03/2007 $0.00 + WOO + $177.00 = $177.00 Snip Data Post Date Reference Number Activity Since Last Statement Amount Pa cents Credits & Adjustments 6/26 97823180 PAYMENT (HANK YOU -190.00 Please see enclosed privacy notice for important information. Account Summary Previous + Purchases Payments + (= New Balance b Advances &Credits CHARGE Balance PURCHASES $17,968.92 0.00 $190.00 0.00 $17,778.92 ADVANCES $0.00 0.00 $0.00 0.00 $0.00 TOTAL $17,968.92 0.00 $190.00 50.00 $17,778.92 Rate Summary Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $603.25 0.00000%(M) 0.000% 0.000% Purch/Adv Thru 07105/2005 $17.318.17 0.00000%(M) 0.000% 0.0001E ADVANCES Standard Adv $0.00 0.00000%(M) 0.000% 0.000% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com � �• _ 6627758892175005906 ^ ,6627 08/28/07 17588.92 $175..00 44 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISL 17013-1170000 PA Citl' Platinum Select` Card 5627 Customer Service: 1-800-983-6453 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance PO Box 44167 $18160 $0 $18160 $0 $17588.92 Statement/ Amount Over Purch/Adv Minimum Jacksonville, irL Closing Date Credit Line Past Due Minimum Due Amount Due 32231-4167 06/03/2007 $0.00 + $0.00 + $175.00 = $175.00 Sal@ Data Post Date Ralerence Number Activltt Since Lest Statement Amount Payments Credits i Adjustments 7/26 97824200 PAYMENT fHANK YOU -190.00 Account Summary revious + ac urc es Payments + (= ew Balance 6 Advances S Credits CHARGE Balance PURCHASES $17,778.92 0.00 $190.00 0.00 $17,588.92 ADVANCES $0.00 0.00 $0.00 0.00 $0.00 TOTAL $17,778.92 0.00 $190.00 10.00 $17,588.92 Rate Summary Balance Subject to Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $447.70 0.00000%(M) 0.000% 0.00016 Purch/Adv Thru 07/05/2005 $17,282.18 0.00000%(M) 0.000% 0.000% ADVANCES Standard Adv $0.00 0.00000%(M) 0.000% 0.000% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com ��• _ .6627739892173005902 citl 6627 09/27/07 17398.92 $173.00 44 Al 1184 4 VC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, DH 1915 SPRING RD. 43218-2564 17013 CARLISLE 1170000 PA Citi" Platinum Select` Card Account NundW.. 6627 Custbirier Service: 1-800-983-6453 Total Credit Line Available Credit Line Cash Advance Limit Avaltable Cash LIMIT New Balance PO Box 44167 $18160 $0 $18160 $0 $17398.92 Statement/ Amount Over Parch/Adv Minimum Jacksonville, FL Closing Date Credit Line Past Due Minimum Due Amount Due 32231-4167 09/04/2007 $0.00 + (0.00 + (173.00 = $173.00 Sale Data Post Date Reference Number Activity Since Last Statement Amount Payments Credits E Adjustments 8/24 97755112 PAYMENT (HANK YOU -190.00 Good News! We are lowering your Annual Percentage Rate (APR) for new purchases and cash advances. You will see the lower APR on your next statement. Remember to get this new APR you must continue to meet the terms of all Card Agreements you have with us. Account Summary Previous Purchases Payments + (= New Balance &Advances S Credits CHARGE Balance PURCHASES $17,588.92 0.00 $190.00 $0.00 $17,398.92 ADVANCES $0.00 0.00 $0.00 0.00 $0.00 TOTAL $17,588.92 0.00 $190.00 0.00 $17,398.92 Rate Summary a ance ubject to Peflodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $279.71 0.00000%(M) 0.000% 0.000% Purch/Adv Thru 07/05/2005 $17,243.88 0.00000%(M) 0.000% 0.000% ADVANCES Standard Adv $0.00 0.00000•.6(M) O.ODO% 0.000% SEND PAYMENTS 70: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards_com C/{T{T.•�;`e _ X6627720892172005904 _ 6627 10/Z9/07 17208.92 $172.00 44 Al 1184 4 MC 4 CITI CARDS BARBARA J MINNICK COLOUMBUS,lOOK564 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi'' Platinum Select" Card Accowd rau.w 6627 Customer Service: 1-800-983-6453 Total Credit Line Available credit Line Cash AAVanee Limit Available Casn Limit New Balance PO Box 44167 $18160 $0 $18160 $0 $17208.92 Statement/ Amount Over Purch/Adv Minimum Jacksonvi 11 e, FL Closing Date Credit Line Past Due Minimum Out Amount Due 32231-4167 10103/2007 $0.00 + $0.00 + $172.00 = $172.00 Sale Date Post Data Relerance Number Activity Since Lest Statement Amount Payments Credits & Adjustments 9/26 97653178 PAYMENT ffHANK YOU -190.00 Account Summary Previous + Purchases Payments + (= New Balance S Advances S Credits CHARGE Balance PURCHASES $17,398.92 0.00 $190.00 60.00 $17.208.92 ADVANCES $0.00 0.00 $0.00 50.00 $0.00 TOTAL $17,398.92 0.00 $190.00 $$0.00 $17,208.92 Rate Summary Balance Subject D Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $140.48 0.0O000%(M) 0.000% 0.0001u Purch/Adv Thru 09/04/2007 $17,212.56 0.0000016(4) 0.000% 0.000% ADVANCES Standard Adv $0.00 0.00000%(M) 0.000% 0.000% SEND PAYMENTS 10. 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www-citicards.com • /LL27701892170005909 {.[[ 6627 11/27/07 17018.92 $170.00 A4 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi"" Platinum Select" Card Account.Mumber 6627 Cditolmer 5ervhrx 1-800-983-6453 Total Credlt Line Available credit Line Cash Advance Limit Available Casn Limit New Balance PO Box 44167 $18160 $0 $18160 $0 $17018.92 Statement! Amount Over ParChMdv MInlmum Jacksonville, FL Closing Data Credit Lina Past Due Minimum Due Amount Due 32231-4167 11/02/2007 $0.00 + $0.00 + $170.00 = $170.00 Sala(late Post Dato Ratarance Rumber Activity Since Last Statement •mount Payments, Credits It Adjustments 10/26 97699183 PAYMENT THANK YOU -190.00 Account Summary Previous + Purchases Payments + (= New Balance &Advances &Credits C14ARGE Balance PURCHASES $17,208.92 0.00 $190.00 0.00 $17,018.92 ADVANCES $17.298.92 10.00 $190.00 10.00 $17,018.92 Rate Summary Balance Subject to Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $17.32 0.00000%(M) 0.000% 0.000% Purch/Adv Thru 09/04/2007 $17,147.26 0.00000%(M) 0.000% 0.000% ADVANCES Standard Adv .$0.00 0.00000%(M) 0.000% 0.000% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com r/;�e i - 6627682892168005807 `••1 i 'L 6627 12/28/07 16828.92 $166.00 44 Al 1184 4 WC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi"' Platinum Select" Card Aceor,at.r.� . 6627 Customer Service: 1-800-983-6453 Total credit Line Available credit Line Cash Advance Limit Available Cash Limit New Balance PO Box 44167 $18160 $0 $18160 $0 $16826.92 Statement/ Amount Over Purch/Adv Minimum Jaeksonvil l er FL closlaq Date Credit Une Past Doe Minimum Due Amount Due 32231-4167 12/04/2007 $0.00 4 $0.00 4 $168.00 = $168.00 SaL Data Post Date Reference Rumhar Activity Since Last Statament Amount Payments Credits & Adjustments 11/26 97982202 PAYMENT THANK YOU -190.00 Our records show home phone 717-258-0356 and business phone 717-249-1535. Please update coupon if incorrect. Account Summary Previous + Purchases Payments + (_)New Balance 6 Advances S Credits CHARGE Balance PURCHASES $17,018.92 f0.00 $190.00 60.00 $16,828.92 ADVANCES $0.00 50.00 $0.00 50.00 $0.00 TOTAL $17,018.92 550.00 $190.00 0.00 $16,828.92 Rate Summary Balance Subject to ern 1c nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $0.00 0.000ODx(M) 0.000% 0.000% Purch/Adv Thru 09/04/2007 $16.971.42 0.00000%(M) 0.000% 0.000% ADVANCES Standard Adv $0.00 0.00000%(M) 0.000% 0.000% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards_com '0 LL27LL38921LL005703 ' '6627 01128108 16638.92 $166.00 44 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, ON 1915 SPRING RD. 43218-2564 17013-1170000 PA Citi" Platinum Select` Card Account M- - 6627 Customer Service: 1-800-983-6453 Total Credit Line Auallable Credit Une Casa Advance Limit AVAllable Lash Limit New Entance PO Box 44167 $18160 $0 $18160 $0 $16638.92 Statement! Amount Over PurcMAdv MlMmum Jack sonv i i i e, rL Closln0 Date Credit Line Past Due Minimum Out Amount Cut 32231-4167 01/03/2008 $0.00 + $0.00 + $166.00 = $166.00 Sala Date Post Date Ratennce Number activity Since Lest statement Amount Partbents. Credits d Adjustments 12126 97989139 PAYMENT THANK YOU -190.00 Account Summary Previous + Purchases Payments + (= New Balance &Advances &Credits CHARGE Balance PURCHASES $16,828.92 0.00 $190.00 0.00 $16,638.92 ADVANCES $0.00 0.00 $0.00 0.00 $0.00 TOTAL $16,828.92 0.00 $190.00 10.00 $16,638.92 Rate Summary Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $0.00 0.00000%(4) 0.000% 0.000% Purch/Adv Thru 09/04/2007 $16,778.25 0.00000%(M) 0.000% 0.000% ADVANCES Standard Adv $0.00 0.00000%(M) 0.000% 0.000% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com CI�I• '6627712099819075700 `6627 02/27/06 17120.99 $819.07 32 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi"" Platinum Select" Card Accouitt Nmaaer 6627 Customer Service: 1-800-983-6453 Total Credit Line Available credit Line Cash Advance Limit Available CaSD Limit New Balance PO Box 44167 $18160 $0 $18160 $0 $17120.99 Statement/ Amount Over Pdreh/AVV Minimum Jac kSODwi 11 e, FL Closing Date Credit Line Past Due Minimum Due Amount Due 32231-4167 02/04/2008 $0.00 + $166.00 4 $653.07 = $819.07 sale Date Post Date Rob-Number Activity Since Last Statement Amount Standard Purch 2/04 LATE FEE - JAN PAYMENT PAST DUE 39.00 Purch/Adis Thru 09/04/2007 2/04 PURCHASES'FINANCE CHARGE•PERIODIC RATE 443.07 Congratulations! Our records indicate that you recently completed your payment arrangement. We look forward to reestablishing your account so please contact us today at 1-866-235-6109 to ensure you meet all requiremenis previously discussed. Your late fee was based on your account balance as of the payment due date (01/28/08), which was ;16,638.92. The Annual Percentage Rate on your account may increase due to one of the following reasons stated in your Card Agreement with us: if you fail to make a payment to us when due, you exceed your credit line or you make a payment to U s that is not honored by your bank. Account Summary Previous + Purchases Payments r (= New Balance Advances S Credits CHARGE Balance PURCHASES $16,638.92 $39.00 0.00 $443.07 $17,120.99 ADVANCES $0.00 $0.00 0.00 $0-00 $0.00 TOTAL $16,638.92 $39.00 0.00 $443.07 $17,120.99 Rate Summary Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $0.00 0.05096%(D) is.600,16 18.600% Purch/Adv Thru 09/04/2007 $16,852.56 0.08216%(D) 29.990% 29.990%1 ADVANCES Standard Adv $0.00 0.05751%(D) 20.990% 20.990% SEND PAYMENTS 70: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com r tI• 6627757229445375705 1r! ;'66T7 103/27/08 17572.29 $1445.37 32 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi`' Platinum Select` Card Account Number 6627 customer Service; 1-800-983-6453 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New se lance PO Box 44167 $18160 $0 $18160 $0 $17572.29 Statement/ Amount Over Purch/Ad v Minimum Jacksonville, rL closing Date Credit Line Past Due Minimum Due Amount Due 32231-4167 03/04/2008 $0.00 + $819.07 + $626.30 $1445.37 Sale-Date Post Date Raferono Number Activity Since Last Statement Amount Standard Purch 3/04 PURCHASES*FINANCEYCHARGE*PERIODIC RATE 39.58 Purch/Adv Thru 09/04/2001 3/04 PURCHASES*FINANCE CHARGE*PERIODIC RATE 411.72 Congratulations! Our records indicate that you recently completed Your payment arrangement. We look forward to reestablishing your account so please contact us today at 1-866-235-6109 to ensure you meet all requirements previously discussed_ Your late fee was based on your account balance as of the payment due date (02/27/08), which was $17,120.99. Your account is two months past due and your credit privileges have been discontinued. Please call the toll-free number shown above, Monday - Friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. If you have already sent us this payment, thank you. Account Summary Previous + Purchases Payments + �= New Balance &Advances &Credits C14AR:GE Balance PURCHASES $17,120.99 $39.00 0.00 $412.30 $17,572.29 ADVANCES 60.00 $0.00 0.00 $0.00 $0.00 TOTAL $17,120.99 $39.00 0.00 $412.30 $17,572.29 Rate Summary Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $39.28 0.05096%(D) 18.600% 18.600% Purch/Adv Thru 09/04/2007 $17.279.93 0.08216%(D) 29.990% 29.990% ADVANCES Standard Adv $0.00 0.05751%(D) 20.990% 20.990% SEND PAYMENTS 70: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com e _ LL27802414077225700 C e ti 6627 04/28/06 1802A.14 $2077.22 32 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi" Platinum Select Card Account Nu doer_ 6627 ..ustomer service 1-800-983-6453 Total Credit Line Available Credit Line Cash Advance Limit Available Casn Limit New Balance PO Box 44167 $18160 $0 $18160 $0 $18024.14 Statement/ Amount Over Porch/Adv Minimum Jacksonville, FL Closing Date Credit Line Past paw Minimum Due Amount Due 32231-4167 04/0212008 $0.00 + $1445.37 + $631.85 = $2077.22 Sale Date Post Date Refere-Number Actbdtr Since Lest Statement Amount Standard Purch 4/02 LATE FEE - MAR PAYMENT PAST DUE 39.00 4/02 PURCHASES'FINANCE CHARGE*PERIODIC RATE 1.85 Purch/AdM Thru 09/04/2007 4/02 PURCHASES`FINANCE CHARGE'PERIODIC RATE 411.00 Your late Fee was based on your account balance as of the payment due date (03/27/08), which was $17,572.29. The Annual Percentage Rate on your account has been increased due to one of the following reasons stated in your Card Agreement with us: you failed to make a payment to us when due, you exceeded your credit line or you made a payment to us that was not honored by your bank. Account Summary revious + Purchases Payments + (= New Balance S Advances &Credits CHARGE Balance PURCHASES $17,572.29 $39.00 x0.00 $412.85 $18,024.14 ADVANCES $0.00 $0.00 $0.00 $0.00 $0.00 TOTAL $17,572.29 $39.00 $0.00 $412.85 $18,024.14 Rate Summary Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $79.47 0.08011%(D) 29-240% 29.240% Purch/Adv Thru 09/04/2007 $17,691.33 0.08011%(D) 29.240% 29.240% ADVANCES Standard Adv $0.00 0.08011%(D) 29.240% 29.240% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF.THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com ��♦ _ LL278409798LOLLS803 Citl 6627 05/28/08 18409.79 $2660.66 32 Al 1184 4 MC 4 CITI CARDS BARBARA J MINNICK COLUMBUS,lOH564 1915 SPRING RD. 43218-2564 CARLISL 17013-1170000 PA Citi"' Platinum Select` Card AMUM Number_ 6627 CMStorner Smice:: 1-800-963-6453 Total credit Line Available Credit Line Cash Advance Limit AVallable CaSn Limit New 138160ce PO Box 44167 $18160 $0 $18160 $0 $18409.79 Statement! Amount Over Purch/Adv minimum Jacksonville, rL Closing Date Credit Line Past Out Minimum Due Amount Due 32231-4167 05/05/2008 $249.79 + $1911.22 + $699.65 = $2860.66 Sale Date Post Date Reference Number Activity Since Lest Statement Amount Payments Credits it Adjustments 4/30 97874082 PAYMENT (HANK YOU -166.00 Standard Purch 5/05 LATE FEE - APR PAYMENT PAST DUE 39.00 5/05 OVER CREDIT LIMIT FEE 35.00 5/05 PURCHASES4FINANCE CHARGEePERIODIC RATE 2.80 Purch/Adv Thru 09/04/2007 5/05 PURCHASES4FINANCE CHARGE«PERIDDIC RATE 474.85 Your late fee was based on your account balance as of the payment due date (04/28108), which was $18,024.14. Your account is now 3 MONTHS PAST DUE and currently closed. Please call the toll-free number shown above to learn about our special payment options. Call Monday - Friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. We will lower APRs from the default APR on all balances if you meet the terms of all Card Agreements you have with us for 12 billing periods in a row. We may lower these APRs sooner based on your record with us. Account Summary Previous + Purchases (- Payments + (= New Balance b Advances &Credits CHARGE Balance PURCHASES $18,024.14 $74.00 $166.00 $477.65 $18,409.79 ADVANCES $0.00 $0.00 $0.00 s0.00 00 TOTAL $18,024.14 $74.00 $166.00 $477.65 $18,499.0.79 Rate Summary Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $106.75 0.07942%<D) 28.990% 28.990% Purch/Adv Thru 09/04/2007 $18,118.08 0.07942%(D) 28.990% 28.990% ADVANCES Standard Adv $0.00 0.07942%,(D) 28.990% 28.990% SEND PAYMENTS TO: 32 PLEASE REFER 70 THE REVERSE SIDE Of THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.coni • :6'627891255912555807 Citi 6627 06/Z7/08 18912.55 18912.55 32 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISL 17013-1170000 PA Citis Platinum Select"' Card ..Aemunt.NusMw. , '6627 Customer Servicr. 1-800-963-6453 Total Credit Line Available Credit Line Cash Advance Limit Alrallaale Cash Limit New Balance PO Box 44167 $18160 $0 $18160 $0 $18912.55 Statement/ Amount over PurchlAdv Mtnlmum Jacksonville, FL Cldslaq Date Credit Line Past Due Mlaimum Due Amount Due 32231-4167 06/03/2008 $752.55 $2610.87 $655.76 $18912.55 Sale Oate Post Hate Reference MUmbar Activity Since Last Slalemont Amount Standard Porch 6/03 LATE FEE - MAY PAYMENT PAST DUE 39.00 6/03 OVER CREDIT LIMIT FEE 35.00 6/03 PURCHASES•FINANCE CHARGE•PERIODIC RATE 2.75 Purch/Adv Thru 09/04/2007 6/03 PURCHASESOFINANCE CHARGE'PERIODIC RATE 426.01 Your late fee was based on your account balance as of the payment due date (05/28/08), which was $18,409.79. Help is available! Please call the toll-free number shown above to learn about our special pa went options. Call Monday - Friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. Please give us the opportunity to assist you. Our records show home phone 717-258-0356 and business phone 717-249-1535. Please update coupon if incorrect. Account Summary balance + Purchases Payments + (a New Balance S Advances S Credits CHARGE Balance PURCHASES $18,409.79 $74.00 0.00 $428. 6 $18,912.55 ADVANCES $0.00 $0.00 0.00 $0.00 WOO TOTAL $18,409.79 $74.00 0.00 $428.76 $18,912.55 Rate Summary Balance!ubject to Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $119.55 0.07942%(D) 28.990% 28.990% Purch/Adv Thru 09/04/2007 $18,496.40 0.07942%(D) 28.990% 28.990% ADVANCES Standard Adv $0.00 0.07942%(D) 28.99074 28.990% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards-com C.012%.0 LL27891255021185900 6627 07/28/06 18412.55 $3021.18 42 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi* Platinum Select" Card Account Number- 6627 Customer Service 1-800-983-6453 Total Cre dlt Llne Available Credit Lin! Cash Advance Limit Available Caen Limit New Balance PO Box 44167 $18160 $0 $18160 $0 $18912.55 Statement/ Amount Over Purch/Adv Minimum Jacksonri.l l e, FL Closing Data Credit Line Past out Minimum Due Amount Due 32231-4167 07/03/2008 $752.55 + $1985.63 + $283.00 = $3021.18 Sete Date Post Oate Reterance Number AethHty Since Last Statement Amount Payments Credits i Adjustments 6/04 FULL DEFERMENT TRANSACTION •654.00 7/02 FULL DEFERMENT TRANSACTION -627.00 Standard Purch 6/04 6/04 FULL DEFERMENT TRANSACTION 654.00 7/02 7/02 FULL DEFERMENT TRANSACTION 627.00 Your Minimum Amount Due on any New Balance over $20 will no longer include the total amount of your transaction fees. These fees include balance transfer, cash advance, and foreign purchase fees. Remember, you can pay these fees (and any other amounts owed on your account) at any time. Previous + Purchases Payments + (= New Account Summary Balance S Advances .S Credits CHARGE Balance PURCHASES $18,912.55 $1,281.00 $1,281.00 0.00 $18,912.55 ADVANCES $0.00 $0.00 $0.00 0.00 $0.00 TOTAL $18,912.55 $1,281.00 $1,281.00 0.00 $18,912.55 Rate Summery Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $0.00 0.07942%(D) 28.990% 28.990% Purch/Adv Thru 09/04/2007 $0.00 0.07942%(D) 28.990% 28.990% ADVANCES Standard Adv $0.00 0.07942%(D) 28.990% 28.990% SEND PAYWENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEm ENT FOR PAYMENT INFORMATION. Visit: www.citicards.com } 6627948857488575904 Ci6i• 6627 08/29/08 19488.57 14488.57 32 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 17013-1170000 Pa Citie' Platinum Select` Card Amount Nmobe, 6627 Customer Serviec 1-800-983-6453 Total Credit Line Available Credit Line Cash Advance e nce Limit Available Caen Limit New Balance PO Box 44167 $18160 $0 $18160 $0 $19488.57 Statement/ Amount Over Purch/Adv Minimum Jacksonville, FL Closing Date Credit Line Past Due Minimum Due Amount Due 32231-4167 08/05/2008 $1328.57 $2268.63 $735.02 $19488.57 Sate Data Post Data Reference Number Activity Since Last Statement Amount Standard Porch 8/05 LATE FEE - JUL PAYMENT PAST DUE 39.00 8/05 OVER CREDIT LIMIT FEE 35.00 8/05 PURCHASES'FINANCE CHARGE•PERIODIC RATE 36.97 Purch/Adv Thru 09/04/2007 8/05 PURCHASES•FINANCE CHARGE•PERIODIC RATE 465.05 Your late fee was based on your account balance as of the payment due date (07/28/08), which was $18,912.55. Help is available! Please call the toll-free number shown above to learn about our special paYgent options. Call Monday - Friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. Please give us the opportunity to assist you. Please see enclosed privacy notice for important information, and a new privacy choice for you to consider. Account Summary Previous + Purchases Payments + (= New Balance 6 Advances S Credits CHARGE Balance PURCHASES $18.912.55 $74.00 s0.00 $502.02 $19,488.57 ADVANCES $0.00 $0.00 50.00 $0.00 $0.00 TOTAL $18,912.55 $74.00 50.00 $502.02 $19,488.57 Rate Summary Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $1,410.59 0.07942%(D) 28.990% 28.990% Purch/Adv Thru 09/04/2007 $17,744.27 0.079427((D) 28.990% 28.990% ADVANCES Standard Adv $0.00 0.07942%(D) 28.990% 28.990% SEND PAYMENTS 70: a2 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com ll• !LL27999729997295902 i 6627 09/29/06 19947.29 19997.29 32 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. .43218-2564 17013-1170000 PA Citi"' Platinum Select" Card 6627 Customer Service: 1-800-983-6453 Total credit Line Available Credit Line Cash Advance Limit Available Cash LUnit New Balance PO Box 44167 $18160 $0 $18160 $0 $19997.29 Statement! Amount Over Parch/Adv Minimum Jack sonvi 11 e, FL ClosIng Data Credit Line past Due Minimum Due Amount Due 32231-41b1 09/04/2008 $1837.29 -3003.65 $707.72 $19997.29 Sala Date Post Date Referanrs Number Activity Since Last statement Amount Standard Purch 9/04 LATE FEE - AUG PAYMENT PAST DUE 39.00 9104 PURCMASESkrINANCE CHARGE*PERIODIC RATE 36.24 Purch/Adv Thru 09/04/2007 9/04 PURCHASES«FINANCE CHARGE•PERIODIC RATE 433.48 Your late fee was based on yyour account balance as of the payment due date (08/29/08), which was $19,488.57. Help is available! Please call the toll-free number shown above to learn about our special payment options. Call Monday Friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. Please give us the opportunity to assist you. Contact us todayy - we can help. Go online at: www.paymentsolutions.citicards.com to login or register. Account Summary Previous * Purchases Payments + {= New Balance S Advances b Credits CHARGE Balance PURCHASES $19,488.57 $39.00 0.00 $469.72 $19,997.29 ADVANCES $0.00 $0.00 0.00 $0.00 $0.00 TOTAL $19,488.57 $39.00 0.00 $469.72 $19,997.29 Rate Summary Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $1,521.17 0.07942%(D) 28.990% 28.990% Purch/Adv Thru 09/04/2007 $18,193.51 0.07942%(D) 28.990% 28.990% ADVANCES Standard Adv $0.00 0.07942%(D) 28.990% 28.990% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE 51-DE OF THE ORIGINAL 57ATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com ��• _ . '6627981224929615906 a ti 6627 10/ZB/08 19812.24 $4929.61 44 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi`' Platinum Select"' Card Account Number 6627 Customer Service 1-800-983-6453 Total Credit Line Available credit Line Cash Advance Limit Available Cash Limit New Balance PO Box 44167 $18160 $0 $18160 $0 $19812.24 Statement/ Amount Over PurchlAdv Minimum Jacksonville, FL Closing Date Credit Line Past Out Minimum Due Amount Due 32231-4167 10/03/2008 $1652-24 + $3079.37 + $198.00 = $4929-61 Sab Date Post Date Reference Number Activity Since Last Stattment Amount Payments, Credits d Adjustments 10/03 97925072 PAYMENT THANK YOU -200.00 10102 PARTIAL DEFERMENT TRANSACTION -432.00 Standard Purch 10/02 10/02 PARTIAL DEFERMENT TRANSACTION 432.00 10/03 10/03 C8200000 PAY BY PHONE SERVICE FEE 14.95 Account Summary Previous + Purchases Payments + (=)New Balance 6 Advances &Credits CHARGE Balance PURCHASES $19,997.29 $446.95 $632.00 0. $19.812 0 .24 ADVANCES $0.00 $0.00 $0.00 0.00 WOO TOTAL $19,997.29 $446.95 $632-00 0.00 $19,812.24 Rate Summery Balance Subject to Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $1,591.77 0.00000%(M) 0.000% 0.000% Purch/Adv Thru 09/04/2007 $18,405.51 0.00000%(M) 0.000% 0.000% ADVANCES Standard Adv $0.00 0.00000%(M) 0.000% 0.000% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com 1.�• 6627961224226615900 6627 11/27/08 19612.24 $4226.61 44 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS. OH 1915 SPRING RD- 43218-2564 17013-1170000 PA C1t1* Platinum Select` Card Aceount Namoer 6627 Customir Service 1-800-983-6453 Total Credit Line Available credit Line Cash Advance Umit AVAllabte Casn Limlt New Balance PO Box 44167 $18160 $0 $18160 $0 $19612.24 sn Dat Amount Oyer ue oe Jacksonvi 1 i e, FL 1/0Cloi e it r Past Due Minimum Amount Du 32231-4167 4/2008 $1452.24 + $2578.37 + $196.00 = $4226.61 Sele Irate Post mate Referance Number Activity Since Last Statement Amount Payments Credits d Adjustments 10/31 97932075 PAYMENT (HANK YOU -200.00 11/01 PARTIAL DEFERMENT TRANSACTION -499.00 Standard Purch 11/01 11/01 PARTIAL DEFERMENT TRANSACTION 499.00 Account Summary Balance + Purchases Payments + (= New Balance &Advances &Credits CHARGE Balance PURCHASES $19,812.24 $499.00 $699.00 0.00 $19.612.24 ADVANCES $0.00 $0.00 $0.00 0.00 $0.00 TOTAL $19,812.24 $499.00 $699.00 10.00 $19,612.24 Rate Summary balance Subject to Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $1,788.62 0.00000%(M) 0.000% 0.000% Purch/Adv Thru 09/04/2007 $17,998.61 0.0000076(4) 0.000% 0.000% ADVANCES Standard Adv $0.00 0.0000076(4) 0.000% 0.000% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com r tl• _LL27941224446245905 a t 6627 12/29/08 19412.24 $1446.24 44 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi"" Platinum Select"' Card ar.wlM M,auHef 6627 Customer Service: 1-800-983-6453 Tatal credit Ltne Available Credit Line Cash Advance Limit Available Cash LWt New ealahce PO Box 44167 $18160 $0 $18160 $0 $19412.24 Statement! Amount Over Purch/Adv Minimum Jacksonville, rL closing Data Credit Line Past Due Minimum Due Amount Due 32231-4167 1210312008 $1252.24 + $0.00 + $194.00 = $1446.24 U6 Bat. Post Date Reference Number Activity sine Last statement Amount Payments Credits d Adjustments 11/28 97722028 PAYMENT (HANK YOU -200.00 12/02 PARTIAL DEFERMENT TRANSACTION -456.00 Standard Purch 12/02 12/02 PARTIAL DEFERMENT TRANSACTION 456.00 Our records show home phone 717-258-0356 and business phone 717-249-1535. Please update coupon if incorrect. Account Summary revious + Purchases Payments + (= New Balance b Advances &Credits CHARGE Balance PURCHASES $19,612.24 $456.00 $656.00 0.00 $19,412.24 ADVANCES $0.00 $0.00 $0.00 10.00 SO.00 TOTAL $19,612.24 $456.00 $656.00 0.00 $19,412.24 Rate Summary Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $2,015.79 0.00000%(M) 0.000% 0.000% Purch/Adv Thru 09/04/2007 $17,561.95 0.00000%(M) 0.000% 0.000% ADVANCES Standard Adv $0.00 0.00000%(M) 0.000% 0.000% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com —^• 6627921224244245903 a t I 6627 01/28/09 19212.24 (1244.24 44 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi«" Platinum Select" Card Account Number 6627 e.utszovner Servit i-900-983-6453 Total Credit Line Available Credit Line Cash AAVanee Limit Available casn Limit New eataaee PO Box 44167 $18160 $0 $18160 $0 $19212.24 Statement/ Amount Over PurchtAdv Minimum Jacksonville, rL Closing Date Credit Line Past Due Minimum Due Amount Due 32231-4167 01/05/2009 $1052.24 4 $0.00 t $192.00 = $1244.24 Sole Date Post Date Rete+re Number Activity Since Last Statement Amount Paynents Credits S Adjustments 12/31 97984133 PAYMENT THANK YOU -200.00 Account Summary revious + Purchases ( Payments + (= New Balance 6 Advances S Credits CI4ARGE Balance PURCHASES $19,412.24 0.00 $200.00 s0.00 $19,212.24 ADVANCES $0.00 0.00 $0.00 50.00 $0.00 TOTAL $19,412.24 5550.00 $200.00 10.00 $19,212.24 Rate Summary Balance sec o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $2,211.15 0.00000%(M) 0.000% 0.000% Purch/Adv Thru 09/04/2007 $17,170.78 0.00000%(M) 0.000% 0.000% ADVANCES Standard Adv $0.00 0.00000%(M) 0.0006 0.000% SEND PAYMENTS TO: 32 PLEASE REFER 70 THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com le '6627901224042245901 6627 02/26/09 19012.24 $1042.24 44 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi"' Platinum Select* Card Attb1mt.M,N"Wf 6627 Customer Service: 1-800-983-6453 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance PO Box 44167 $18160 $0 $18160 $0 $19012.24 Statement/ Amount over Purch/Adv Mhdinum Jacksonville, FL Closing Date Credit Line Past Due Minimum Due Amount Due 32231-4167 02103/2009 $852.24 + $0.00 + $190.00 = $1042.24 Sale Date Post Date Raterence Number Activity Since Last Statement Amount Pa►rgents Credits S Adjustments 1/29 97817292 PAYMENT (HANK YOU -200.00 Account Summary Previous + urc as=s Payments • (= New Balance S Advances S Credits CHARGE Balance PURCHASES $19,212.24 60.00 $200.00 60.00 $19,012.24 ADVANCES $0.00 10.00 f0.00 50.00 $0.00 TOTAL $19,212.24 $0.00 $200.00 0.00 $19,012.24 Rate Summary Finance Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $2,046.51 0.00000ffi(M) 0.000% 0.000% Purch/Adv Thru 09/04/2007 $17,131.23 0.0000016(4) 0.000'6 0.000%, ADVANCES Standard Adv $0.00 0.00000%(M) 0.000% 0.000% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION.- Visit: www-citicards.com C t� ,LL27881224840245909 6627 03/27/09 18812.24 $84D.Z4 44 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 17013-1170000 PA Citi* Platinum Select"' Card Account Number - 6627 Customer Service: 1-800-983-6453 Tow credit Line Available Credit Line Cash Advance Umit AVIIIIA a CaSn Limit New Balance PO Box 44167 $18160 $0 $18160 $0 $18812.24 Statement/ Amount Over Purcb/Adv Mlolmvm JCcksonYi I 1 e, FL closing Date Credit Une Put Due Minimum Due Amount Due 32231-4167 03/04/2009 $652.24 + $0.00 + $188.00 = $840.24 Sale Date Post Date Reference Mumber Activity Since Last Statement Amount Pa yrents, Credits 6 Adjustments 2/26 97873273 PAPMENT THANK YOU -200.00 Account Summary Previous + Purchases - aymen s + (= ew Balance S Advances &Credits CHARGE Balance PURCHASES $19,012.24 0.00 $200.00 0.00 $18,812.24 ADVANCES $0.00 0.00 $0.00 0.00 $0.00 TOTAL $19.012.24 0.00 $200.00 0.00 $18,812.24 Rate Summary a ance u tec o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $1,879.26 0.00000%(M) 0.000% 0.000% Purch/Adv Thru 09/04/2007 $17,091.59 0.00000%(M) 0.000'X, 0.000% ADVANCES Standard Adv $0.00 0.00000%(M) 0.000% 0.000% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com rte• t _6627861224638245909 atl -- 6627 04/27/09 18612.24 $638.24 44 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 17013-CARLISLE 1170000 PA Citi" Platinum Select` Card Account Number 6627 -cusromer servl= 1-800-983-6453 Totai credit Line Available Credit Line Cash Advance Limit Available Caan Limit New Balance PO Bolt 44167 $18160 $0 $18160 $0 $18612.24 Statement! Amount Over Purch/Adv Minimum Jacksonville, FL Cloalny D.a Credit Line Past Due Minimum Due Amount Due 32231-4167 04/02/2009 $452.24 + $0.00 + $186.00 = $638.24 Sale Date Post Date Reterenca Number Activity Sines Last Statement ORMaunt Pa rBents Credits i Adjustments 3/27 97711249 PAYMENT (HANK YOU •200.00 Account Summary Previous + Purchases Payments + (= New Balance S Advances S Credts CHARGE Balance PURCHASES $18.812.24 0.00 $200.00 60.00 $18,612.24 ADVANCES $0.00 0.00 $0.00 50.00 $0.00 TOTAL $18,812.24 50.00 $200.00 $$0.00 $18,612.24 Rate Summary Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $1,717.18 0.00000%(M) 0.000% O.000V1 Purch/Adv Thru D9/04/2007 $17,053.68 0.00000%(M) 0.000% 0.000% ADVANCES Standard Adv $0.00 0.00000%(M) 0.000% 0.000% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION.. Visit: www.citicards.com {.�• 11 LL2784122443L245908 I ;6627 05/28/09 18412.24 8436.24 44 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi` Platinum Select* Card ACOWAI Number 6627 Customer service: 1-800-983-6453 Total credit Line AVA1labte Credit Line cash Advance Limit Available Cash Limit New Bala nee PO Box 44167 $18160 $0 $18160 $0 $18412.24 Statement/ Amount Mr Purch/Adv Minimum Jac ksonvi 11 e, rL Closing Data Gredtt Ind Past Due Minimum Due Amount Due 32231-4167 05/04/2009 $252.24 + $0.00 + $184.00 = $436.24 Sale Data Post Date Roferenco Number Activity Since Lest Statement Amount Pe�rnents Credits s Adjustments 4/29 97655043 PAYMENT (HANK YOU -200.00 Reminder: You take a cash advance if you use a cash convenience check: get money through an automated teller machine (ATM); or get looney through home banking or a financial institution. You also take a cash advance if you make a wire transfer* buy a money order, traveler's check, lottery ticket, casino Chip, or simitar item; or engage in a similar transaction. Each Cash s Advance is ubject to a one-time transaction fee described in your Card Agreement. This fee will cause your Annual Percentage Rate to exceed the nominal Annual Percentage Rate listed on this statement. Account Summary Previous + Purchases Payments + (= New Balance S Advances S Credits CHARGE Balance PURCHASES $18,612.24 60.00 $200.00 j0.00 $18,412.24 ADVANCES $0.00 50.00 $0.00 j0.00 $0.00 TOTAL $18,612.24 $$0.00 $200.00 10.00 $18,412.24 Rate Summary Balance Subject o eri is Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $1,562.94 0.00000%(M) 0.000% 0.000% Purch/Adv Thru 09/04/2007 $17,018.04 0.00000%(M) 0.000% 0.000% ADVANCES Standard Adv $0.00 0.00000%(M) 0.000% 0.00075 SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com ��• _.-6627821224234245906 ati 6627 06/26/09 18212.24 $234.24 44 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi! Platinum Select" Card Account NHanber 6627 customer Services 1-800-983-6453 "total Credit Line Available Credit Line Cash Advance Limit Avellabie Casn Limit New Balance Po eox 6soo $18160 $0 $18160 $0 $18212.24 Statement( Amount Over Purch/Adv Minimum SIOUx FALLS, SD Clod.,Date Credit Line Past Due Minimum Due Amount Due 57117-6500 06/03/2009 $52.24 + $0.00 + $182.00 = $234.24 Sale Oats Post Date Refsreno Humber activity Since Last Statement Amount Payments Credits d Adjustments 5/28 97653134 PAYMENT THANK YOU -200.00 Our records show home phone 717-258-0356 and business phone 717-249-1535. If incorrect, please update your account online at www.citicards.com or call us at 1-800-983-6453 to let us know. Previous + Purchases Payments + (= New Account Summary Balance S Advances .b Credits CHARGE Balance PURCHASES $16,412.24 0.00 $200.00 0.00 $18,212.24 ADVANCES $0.00 0.00 $0.00 0.00 $0.00 TOTAL $18,412.24 0.00 $200.00 0.00 $18,212.24 Rate Summary Balance Subject to Periodic nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $1,392.94 O.000OOx(M) 0.000% 0.00076 Purch/Adv Thru 09/04/2007 $16,979.30 0.0000076(4) 0.000%- 0.000% ADVANCES Standard Adv $0.00 0.00000%(.) 0.000% 0.000% SEND PAYMENTS TO: 3? PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com rte• _6627801224180005902 C't' 6627 07/27/09 18012.24 $180.00 44 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISL 17013-1170000 PA Citi`' Platinum Select` Card Account Number I 6627 Customer Service: 1-800-983-6453 Total Crealt Line Available credit Line Cash Advance Limit Available Casn Limit New Balance PO Box 6500 $18160 $0 $18160 $0 $18012.24 StatemenU Amount Over Purch/Adv Mlntmum SIOUX FALLS, SD ClosI Oate Credit Ltne Past Due Minimum Due Amount Due 57117-6500 07/02/2009 $0.00 + $0.00 + $180.00 = $180.00 San Date Post Date Relannce Number Adivlty Since Last statement Amount- Pa Dents Credits i Adjustments 6/26 97670272 PAYMENT (HANK YOU -200.00 Your account balance is now below your credit line. Please keep in mind that if you exceed your credit line in the future, you may be assessed a fee. Please see enclosed privacy notice for important information. Account Summary Previous + Purchases Payments + {= New Balance b Advances S Credits CHARGE Balance PURCHASES $18,212.24 0.00 $200.00 0.00 $18,012.24 ADVANCES $0.00 0.00 $0.00 0.00 50.00 TOTAL $18,212.24 0.00 $200.00 0.00 $18,012.24 Rate Summary Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $1,228.53 0.00000%(M) 0.000% 0.00016 Purch/Adv Thru 09/04/2007 $16,942.32 0.00000%(M) 0.000% 0.000% ADVANCES Standard Adv $0-00 0.00000%(M) 0.000% 0.000% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.comle 4627781224178005801 cl 6627 08/27/09 17612.24 $178.00 44 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi" Platinum Select" Card Aeeamt"bar. 6627 L;ustomer 5eivicw 1-800-983-6453 Total Credit Line Available Credit Line Cash Advanee Limit Available Casa Limit New Balance PO BOX 6500 $18160 $0 $18160 $0 $17812.24 Statement/ Amount Over Parch/Adv Minimum SIOUX FALLS, SO CIosIAg Data Credit Line Past Dan minimum Due Amount Due 57117-6500 08/0412009 $0.00 + $0.00 + $178.00 = $178.00 Sate Date Post Date Raferaxe Number act ivltY Since Last Statement I amount Paygents, Credits d Adjustments 7130 97982104 PAYMENT THANK YOU -200.00 Account Summary Previous + Purchases Payments + (_)New Balance &Advances S Credits CHARGE Balance PURCHASES $18,012.24 s0.00 $200.00 0.00 $17,812.24 ADVANCES $0.00 $0.00 $0.00 0.00 $0.00 TOTAL $18,012.24 50.00 $200.00 0.00 $17,812.24 Rate Summary a ance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $1,073.93 0.00000%(M) 0.000% 0.000% Purch/Adv Thru 09/04/2007 $16,908.00 0.00000%(M) 0.000.4 0.000% ADVANCES Standard Adv $0.00 0.00000%(M) 0.000% 0.000% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com ��• 6627781224356005805 ati 6627 09/29/09 17812.24 $356.00 44 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi* Platinum Select` Card Accoum Nuftit— . 6627 Customer Service: 1-800-983-6453 701a1 Credit Line Available Credit Line cash Advance Limit Available Cash Limit New Balance PO BOX 6500 $18160 $0 $18160 $0 $17812.24 Statement/ Amount Over Porch/Adv MINIMUM SIOUX FALLS, SD Closing Date Credit tine Past Duo Minimum Due Amount Due 57117-6500 09/02/2009 $0.00 + $178.00 + $178.00 = $356.00 Sals Date Post Date Raferenee Number activity Since Last Statement Amount Account Summary Previous + Purchases Payments + (= New Balance &Advances S Credits CHARGE Balance PURCHASES $17,812.24 0.00 0.00 0.00 $17,812.24 ADVANCES $0.00 0.00 0.00 0.00 $0.00 TOTAL $17,812.24 0.00 0.00 50.00 $17,812.24 Rate Summary Balance let o en c Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $934.78 0.00000%(M) 0.000% 0.000%, Purch/Adv Thru 09/0412007 $16,877.46 0.00000%(M) 0.000% 0.000% ADVANCES Standard Adv $0.00 0.00000%(M) 0.000% 0.000% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR*PAYMENT INFORMATION. Visit: www-citicards.com rye 66277855495772559114 ati 6627 10/29/09 17855.49 $577.25 32 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISL 17013-1170000 PA Citi" Platinum Select"" Card Account Number 6627 customer Servica: 1-800-983-64S3 Total Credit Llne Available Credit Line Cash Advance Limit Available Ca$A Limit New Balance PO BOX 6500 $18160 $0 $18160 $0 $17855.49 Statement/ Amount Over Purch/Adv Minimum SIOUX FALLS, SD Closing Date Credit Line Past Due Minimum Due Amount Due 57117-6500 10/02/2009 $0.00 + $0.00 + $577.25 = $577.25 say Date Post Date Reference Number Activity Since Last Statarnent Amount Paf ments Credits d Adjustments 9/28 984483011 PAYMENT THANK YOU -156.00 Standard Purch 10/02 PURCHASES*FINANCE CHARGE*PERIODIC RATE 17.26 Purch/Adtl Thru 09/04/2007 10/02 PURCHASES'FINANCE CHARGE'PERIODIC RATE 381.99 Previous PurchaseS Payments + F(NANCE New Account Summary Balance S Advances 6 Credits C14ARGE Balance PURCHASES $17,812.24 0.00 $356.00 $399.25 $17,855.49 ADVANCES $0.00 0.00 $0.00 $0.00 $0.00 TOTAL $17,812.24 10.00 $356.00 $399.25 $17,855.49 Rate Summary Balance Subject to Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $771.11 0.07463%(D) 27.240% 27.240% Purch/Adv Thru 09/04/2007 $17,061.38 0.07463%(D) 27.240% 27.240%, ADVANCES Standard Adv $0.00 0.07463%,(D) 27.240% 27.240% SEND PAYMENTS 70: - 32 PLEASE REFER TO THE REVERSE SIDE OF TKE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www_citicards.com el �, tI , • LL2783L088431525904 `. 6627 11/30/09 18360.68 51431.52 32 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD_ 43218-2564 CARLISLE PA 17013-2170000 Citi* Platinum Select` Card Account Number Customer Service: 1-800-983-6453 6627 PO BOX 6500 SIOUX FALLS, SD 57117-6500 minimum Payment Due Payment Due Date New Balance $1,431.52 11/30/2009 $18,360.88 Late Payment Warningq If we do not receive your minimum payment by the date listed above, you may have to pay a $39 late fee and your APRs may be increased up to the Penalty APR of 27.24%,. Credit Llmlt Available Credit Cash Advance Limit Available Cash Ltmlt Statement Closing Data Days In Billing Cycle $18,160 $O 518,160 $0 11103/2009 3Z Summary of Account Activity Previous Balance Pa mints Other Credits Purchases Balance Transfers Cash Advances $17,855.49 50.00 $0.00 $74.00 $0.00 $0.00 Amt Over Credit Line Past Due Amount Now Balance $200.88 $577.25 $18,360.88 Sale Data Post Date Reference Number Activity Since Lest Statement Amount Standard Purch 11/03 LATE FEE - OCT PAYMENT PAST DUE 39.00 11/03 OVER CREDIT LIMIT FEE 35.00 11/03 PURCHASES*FINANCE CHARGE•PERIODIC RATE 14.40 Purch/Adv Thru 09/04/2007 11/03 PURCHASES•FINANCE CHARGE•PERIODIC RATE 416.99 Your late fee was based on your account balance as of the payment due date (10129/09), which was $17,855.49. Please pay the Minimum Amount Due shown. Your account is past due and your balance is over the credit line. Regular monthly payments will help establish a good payment history with us. If you have already sent this payment, thank you. Account Summary Previous + Purchases - Payments t (= New Balance S Advances b Credits CHARGE Balance PURCHASES $17,855.49 $74.00 0.00 $431.39 $18,360.88 ADVANCES 50.00 0.00 0.00 f0.00 $0.00 TOTAL $17,8 5.49 54.00 0.00 $431.39 $18,360.88 Rate Summary Balance Subject o Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE_ PURCHASES Standard Purch $602.99 0.07463%(D) 27.240% 27.240% Purch/Adv Thru 09/04/2007 $17,460.60 0.07463%(D) 27.240% 27.240% ADVANCES Standard Adv $0.00 0.07463%(D) 27.240% 27.240% SEND PAYMENT5 TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com ^�a _ _ . ;LL27885044563645903 662-1 12/30/09 28850.44 E2563.64 32 V1 1184 4 NC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD 43218-2564 CARLISLE PA 17013-1170000 Citi* Platinum Select" Card Account.-Number Customer Service: 1-800-983-6453 6627 PO BOX 6500 SIOUX FALLS, SO 57117-6500 Minimum Payment Due Payment Due Date New Balance $2,563.64 12/30/2009 $18,850.44 Late Payment Narninqq• If we do not receive your minimum payment by the date listed above, you may have to pay a $39 late fee and your APRs may be increased up to the Penalty APR of 27.24%. Credit Limit Available Credit Cash Advance Limit Available Cash Limit Statement Closing Date Days In Wiling Cycle $18,160 $0 518,160 $0 12/03/2009 30 Summary of Account Activity Previous Balance Payments Other Credits Purchases Balance Transfers Cash Advances $18,360.88 $0.00 $0.00 $74.00 $0.00 $0.00 Amt Ova Credit Una Past Due Amount New Balance $690-1 $18,850.44 Sale Date Post Date Reference Number Activity Since Last Statement Amount Standard Purch 12/03 LATE FEE - NOV PAYMENT PAST DUE 39.00 12/03 OVER CREDIT LIMIT FEE 35.00 12/03 PURCHASES•FINANCE CHARGE•PERIODIC RATE 15.49 Purch/Adv Thru 09/04/2007 12/03 PURCHAS ES.FINANCE CHARGE'PERIODIC RATE 400.07 Your late fee was based on your account balance as of the payment due date (11/30/09), which was $18,360.88. Your account is two months past due and your credit privileges have been discontinued. Please call the toll-free number shown above, Monday - Friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Tittle. If you have already sent us this payment, thank you. Our records show home phone 717-258-0356 and business phone 717-249-1535. If incorrect, please update your account online at www.citicards.com or call us at 1-800-983-64.53 to let us know. Contact us today - we can help! Go online at www.paymentsolutions.citicards.com to login or register. SEND PATMENTS TO: 32 PLEASE REFER 70 THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www-citicards.com C1 I 32 V1 1184 4 MC 4 BARBARA J MINNICK Sala Date Post Date Relerenn Humber ActivitV Since Last Statament Amount Account Summary Previous + Purchases Payments + (= New Balance &Advances &Credits CHARGE Balance PURCHASES $18.360.88 $74.00 0.00 $415.56 $18,850.44 ADVANCES $0.00 $0.00 0.00 $0.00 $0.00 TOTAL $18,360.88 $74.00 0.00 $415.56 $18,850.44 Rate Summary Balance Subject o en w Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $691.90 0.07463%(D) 27.240% 27.240% Purch/Adv Thru 09/04/2007 $17.869.06 0.07463%(D) 27.240% 27.240% ADVANCES Standard Adv $0.00 0.07463%(D) 27.240% 27.240% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com a ti _ LL27939427809305901 6627 02/01/10 19394.27 $3809.30 32 Al 1184 4 MC 4 �---J CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD 43218-2564 CARLISLE PA 17013-1170000 Citiw' Platinum Select` Card Account Num`-- Customer Service: 1-800-983-6453 6627 PO BOX 6500 SIOUX FALLS, SD 57117-6500 Minimum Payment Due Payment Due Date New Balance $3,809.30 02/01/2010 $19,394.27 Late Payment Narninq If we do not receive your minimum payment by the date listed above, you may have to pay a 839 late fee and your APRs may be increased up to the Penalty APR of 27.24%. Credit Limit Available Credit Cash Advance Limit Available Cash Limit Statement Closing Date Days In Wiling Cycle $18,160 $0 $18.160 $0 0110512010 33 Summary of Account Activity Previous Balance Paymanta Other Credits Purchases Balance Transfers Cash Advances $18,850.44 $0.00 $0.00 $74.00 $0.00 $0.00 Amt Over Credit Line Past Duo Amount New Balance $1,234.27 $1.873.20 $19,394.27 Sale Date Post Data Reference Number Activity Since Lest Statement Amount Standard Purch 1/05 LATE FEE - DEC PAYMENT PAST DUE 39.00 1/OS OVER CREDIT LIMIT FEE 35.00 1/05 PURCHASES*FINANCE CHARGE*PERIODIC RATE 19.29 Purch/Adv Thru 09/04/2007 1/05 PURCHASES*FINANCE CHARGE*PERIODIC RATE 450.54 Your late fee was based on your account balance as of the payment due date (12/30/09), which was $18,850.44. Your account is now 3 MONTHS PAST DUE and currently closed. Please call the toll-free number shown above to learn about our special pa went options. Call Monday - Friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. Account Summary Previous + Purchases Payments + (= New Balance 6 Advances S Credits CHARGE Balance PURCHASES $18,850.44 $74.00 0.00 $469.83 $19,394.27 ADVANCES $0.00 $0.00 0.00 $0.00 $0.00 TOTAL $18,850.44 $74.00 0.00 $469.83 $19,394.27 Rate Summary Balance Sugj!eck to Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $783.24 0.07463%(D) 27.240% 27.24016 Purch/Adv Thru 09/04/2007 $18,294.03 0.07463%(D) 27.24016 27.240% ADVANCES Standard Adv $0.00 0.07463%(D) 27.240% 27.240% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. www.citicards.com ^le ;6627984265842655906 �, 6627 3/01/10 19842.65 19842.65 32 V1 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD 43218-2564 CARLISLE PA 17013-1170000 Citi` Platinum Select` Card Account Number 6627 Customer Service: 1-800-983-6453 www.citic,rds.com PO BOX 6500 SIOUX FALLS, SD 57117-6500 Paymont mlM be M"Wed by 500 PM Summary of Account Activity Payment Information locd nme w the pay—d due Beta Previous Balance $19,394.27 New Balance 19,842.65 Payments - 0.00 Minimum Payment Due 19,842.65 Other Credits 0.00 Payment Due Date 03/01/2010 Purchases + 0.00 Balance Transfers + 0.00 Late Payment Warning: If we do not receive your minimum Cash Advances + 0.00 payment by the date listed above, you may have to pa up to Fees CAar9ed *=39.00 a S39 late fee and Your APRs may be increased up to the Interest Charged +5409.38 variable Penalty APR of 27.24%. New Balance $19,842.65 Minimum Payment Warning: If you make only the minimum Pa ment each period, yyou will pay more in interest and it Past Due Amount $2,575.03 will take you longer to pay off your balance. For example: Amt. Over Credit Limit $1,682.65 If you make no You will pay And you will end additional charges off the balance uppaying an using this card shown on this estimated total Credit Limit $18,160 and each month you statement in of... Available Credit $0 pay... about... Cash Advance Limit $18,160 Available Cash Limit s0 Only the minimum payment 1month(s) 519,843 Statement Closing Date 02/02/2010 Days in Billing Cycle 28 If you would like information about credit counseling services, call 1-877-337-8188. Salo Date Post Date Refeten Number Activity Since Lost Statement Amount Fees 2/02 LATE FEE - JAN PAYMENT PAST DUE 39.00 TOTAL FEES FOR THIS PERIOD 39.00 Interest Charg4ed 2/02 PURCHASES•INTEREST CHARGE"PERIODIC RATE 18.31 2/02 PURCHASES*INTEREST CHARGE•PERIODIC RATE 391.07 TOTAL INTEREST FOR THIS PERIOD 409.38 Your late fee was based on your account balance as of the payment due date (02/01/10), which was $19,394.27. Help is available! Please call the toll-free number shown above to learn about our special payment options. Call Monday - Friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. Please give us the opportunity to assist you. Contact us today - we can help! Go online at www.paymentsolutions.citicards.com to login or register. SEND PAYMENTS TO. 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. www.citicards.com C tis 32 V1 1184 4 YC 4 BARBARA J MINNICK Sale Date Post Date Reference Number Activity Since Last Statam nt Amount Rate Summary Balance Subject to Periodlc Nominal ANNUAL Interest Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $876.01 0.07463%(D) 27.240% 27.240% Purch/Adv Thru 09/04/2007 $18,714.92 0.07463%(D) 27.240% 27.240% ADVANCES Standard Adv $0.00 0.07463%(D) 27.240% 27.240% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE Of THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. - www_citicards.com ��• . _ 627030050300505908 Clti 6627 3/28/10 20300.50 20300.50 32 V1 1184 4 PC 4 CITI CARDS P.D. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD 43218-2564 CARLISLE PA 17013-1170000 Citi"' Platinum Select` Card Account Number: , 6627 Customer Service: 1-800-983-6453 www.citicards.eom" PO BOX 6500 SIOUX FALLS, SD 57117-6500 Summary of Account Activity Payment Information local P oor"onV*psymeMa,ee�� Previous Balance $19,842.65 New Balance 520,300.50 Payments 0.00 Minimum Payment Due (20.300.50 Other Credits - 0.00 Payment Due Date 03/28/2010 Purchases + 0.00 Balance Transfers + 0.00 Late Payment Warning: If we do not receive your minimum Cash Advances + 0.00 pa went by the date listed above, you may have to pay up to Fees Charged +(39.00 a39 late fee and your APRs may be increased up to the Interest Charged +5418.85 variable Penalty APR of 27.24x. New Balance =20,300.50 Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it Past Due Amount $3,221.41 will take you longer to pay off your balance. For example: Amt. Over Credit Limit $2,140.50 If you make no You will pay And you will end additional Charges off the balance up payying an using this card shown on this estimated total Credit Limit $18,160 and each month you statement in of... Available Credit EO pay... about... Cash Advance Limit $18,160 Available Cash Limit $O Only the minimum payment Imonth(s) 520,301 Statement Closing Date 03/02/2010 Days in Billing Cycle 28 If you would like information about credit counseling services, call 1-877-337-8188. sale Date Post alto Reteronce Number Activity since Lot Statemoot Amount Fees 3/02 LATE FEE - FEB PAYMENT PAST DUE 39.00 TOTAL FEES FOR THIS PERIOD 39.00 Interest Charged 3/02 PURCHASES•INTEREST CHARGE'PERIODIC RATE 19.52 3/02 PURCHASES&INTEREST CHARGE•PERIODIC RATE 399.33 TOTAL INTEREST FOR THIS PERIOD 418.85 Your late fee was based on your account balance as of the payment due date (03/01/10), which was $19,842.65. Help is available! Please call the toll-free number shown above to learn about our special payment options. Call Monday - Friday, 7 am to 9 pm, or Saturday, B am to 5 pm, Central Time. Please give us the opportunity to assist you. Contact us todayy - we can help! Go online at www.paymentsolutions.citicards.com to-login or register. SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. www.citicards.com ^^'e 32 V1 1184 4 MC 4 BARBARA J MINNICK Sale Date Post Oats Retwence number ActiAtY Sim-.Last Statsmsnt An nt Rate Summary Balance Subject to Periodic Nominal ANNUAL Interest Charce Rate APR PERCENTAGE RATE PURCHASES Standard Purch $933.91 0.07463%(D) 27.240% 27.240% Purch/Adv Thru 09/04/2007 $19,109.96 0.07463%(D) 27.240% 27.240% ADVANCES Standard Adv $0.00 0.07463%(D) 27.240% 27.240% SEND PAYMENTS TO. 32 PLEASE REFER TO THE REVERSE SIOE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. www.citicards.com f^'e 6627081445814455905 `•r �, 6627 4/28/10 20814.45 20814.45 32 Y1 1184 4 NC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD 43218-2564 CARLISL 17013-1170000 PA Citi"' Platinum Select" Card Account Number: 6627 Customer Service: 1-800-983-6453 www.citicards.com PO BOX 6500 SIOUX FALLS, SO 57117-6500 Summary of Account Activity Payment Information �ma�"'ems r«� �d�PM Previous Balance $20,300.50 New Balance 20,814.45 Payments 0.00 Minimum Payment Due 20,814.45 Other Credits 0.00 Payment Due Date 4/28/2010 Purchases + 0.00 Balance Transfers + 0.00 Late Payment Warning: If we do not receive your minimum Cash Advances +10-00 payyment by the date listed above, you may have to pay up to Fees Charged +$39.00 a F39 late fee and your APRs may be increased up to the Interest Charged +$474.95 variable Penalty APR of 27.24X,. New Balance $20,814.45 minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it Past Due Amount $3,882.26 will take you longer to pay off your balance. For example: Amt. Over Credit Limit $2,654.45 If you make no You will pay And you will end additional charges off the balance up pa ing an using this card shown on this estimated total Credit Limit $18,160 and each month you statement in of... Available Credit $0 pay... about... Cash Advance Limit $18,160 Available Cash Limit $0 Only the minimum payment Imonth(s) 520,814 Statement Closinq Date 04/02/2010 Days in Billing Cycle 31 If you would like information about credit counseling services, tail 1-677-337-8188. sale Data Post Data Reference Number Adivity Sim*Last statement Amount Fees 4/02 LATE FEE - MAR PAYMENT PAST DUE 39.00 TOTAL FEES FOR THIS PERIOD 39.00 Interest Charg4ed 4/02 PURCHASES-INTEREST CHARGE•PERIODIC RATE 23.00 4102 PURCHASES•INTEREST CHARGE•PERIODIC RATE 451.95 TOTAL INTEREST FOR THIS PERIOD 474.95 Your late fee was based on your account balance as or the payment due date (03/28/10), which was $20,300.50. Help is available! Please call the toll-free number shown above to learn about our special payment options. Call Monday - Friday, 7 are to 9 pm, or Saturday, 8 am to 5 pm, Central Time. Please give us the opportunity to assist you. Contact us today - we can help! Go online at www.paymentsolutions.citicards.com to login or register. SEND PAYMENTS TO: .32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. www.citicards.com r^i• 32 Y1 1184 4 MC 4 BARBARA J MINNICK Sale Data Post rate Reference Number Actirltr Sinco Last Statement Amount Rate Summery Balance Subject to Periodlc Nominal ANNUAL Interest Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $994.13 0.07463%(D) 27.240% 27.240% Purch/Adv Thru 09/04/2007 $19,535.27 0.07463%(D) 27.240% 27.240% ADVANCES Standard Adv $0.00 0.07463%(D) 27.240% 27.240% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. CITIBANK,N.A. : IN THE COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA V. NO.12-2565 CIVIL BARBARA J MINNICK Defendant : CIVIL ACTION - LAW Plaintiffs Requests for Admission,Interrogatories and Request for Production You are served with plaintiffs requests for admission, interrogatories and requests for production together with monthly billing statements which are hereafter referred to as"Account Statements"or when referred to an individual statement the"Account Statement". Requests for Admission In accordance with the Pennsylvania Rules of Civil Procedure, each matter is admitted unless, within thirty days after service of the request,or within such shorter or longer time as the court may allow,the party to whom the request is directed serves upon the party requesting the admission an answer verified by the party or an objection,signed by the party or by the party's attorney;but,unless the court shortens the time,a defendant shall not be required to serve answers or objections before the expiration of forty-five days after service of the original process upon him or her. If objection is made,the reasons therefore shall be stated.The answer shall admit or deny the matter or set forth in detail the reasons why the answering party cannot truthfully do so. A denial shall fairly meet the substance of the requested admission, and when good faith requires that a party qualify the answer or deny only a part of the matter of which an admission is requested, the party shall specify so much of it as is true and qualify or deny the remainder. An answering party may not give lack of information or knowledge as a reason for failure to admit or deny unless the answering party states that he or she has made reasonable inquiry and that the information known or readily obtainable by him or her is insufficient to enable him or her to admit or deny.A party who considers that a matter of which an admission has been requested presents a genuine issue for trial may not,on that ground alone, object to the request. That party may, subject to the provisions of Rule 401,9(d),deny the matter or set forth reasons why he or she cannot admit or deny it. Interrogatories In accordance with the Pennsylvania Rules of Civil Procedure,you are to respond within thirty(30) Y" days after service of these interrogatories.The response shall be inserted in the space provided after BXHIBIT 8 each of the interrogatories; attach additional pages if more space is needed for the response.These interrogatories are continuing and demand is hereby made to amend or supplement the answers as is required by the Pennsylvania Rules of Civil Procedure. If the answering party is a minor, a decedent's estate or an individual who is incompetent or under legal disability to provide answers, the individual providing answers shall state his or her name and the authority under which he or she is providing the answers.Full and complete answers the interrogatories must be provided and signed by the party making the answers. Request for Production of Documents In accordance with the Pennsylvania Rules of Civil Procedure,you are to respond within thirty(30) days after service of these requests for admission. It is acceptable that the answer and produced documents be copied and mailed. Definitions When used in these requests for admission, interrogatories and requests for production,the words or phrases below will mean the following: Plaintiff mean Citibank,N.A. successor in interest to Citibank (South Dakota),N.A. Defendant,you,your, or yours means the person whose name and address appears above as the named defendant in this lawsuit. Document means the original, all drafts and notes thereof, and all copies of any written, printed, recorded,charted,taped,graphic or magnetic matter(including,but not limited to,video tapes,audio tapes, and computer tapes and discs), however produced, reproduced or prepared including email. This request applies to all documents in your possession, custody or control or in the possession, custody or control of persons action or purporting to act on you behalf,including,but not limited to, your present and former agents, accountants, debt management companies and attorneys. refers to the credit card account which is the subject matter of the complaint. Identify with regard to a person means the person's full name, last known home and business address and telephone number. Account or credit card account means the credit card account(s) which is/are the subject of this lawsuit as identified by the last four numbers for the account(s) as stated in the complaint. Account Statements or account statement means attached billing statements. In making this communication,we advise Burton Neil&Associates, P.C. is a debt collector. This is an attempt to collect a debt and any information obtained shall be used for that purpose. r> Requests for Admission With reference to the Account Statements served with the requests for admission, interrogatories and requests for production: 1. You admit plaintiff mailed,transmitted or provided each of the Account Statements to you. 2. You admit you received the Account Statements. ES 3. You admit that the Account Statements are correct copies of the Account Statements you previously received. 4. You admit that the detail for charges in the Account Statements is accurately reflected. E-5 5. You admit that the detail for credits in the Account Statements is accurately reflected. V ES 6. With regard to each of the Account Statements which reflect a credit for a payment: A. You admit you reviewed the Account Statement. B. You admit that after determining the Account Statement information was correct,you then made a payment to plaintiff. C. You admit that for each month you made a payment that a credit for the payment was correctly set forth in the following month's Account Statement. 7. With regard to each of the Account Statements which reflect no credit for payment: A. You admit you reviewed the Account Statement. �e..s B. You admit that after determining that the Account Statement information was correct, you did not make a payment by the payment due date. C. You admit that for each month in which you did not make a payment that the following month's Account Statement correctly reflected no payment was made. 8. You admit that you made the payment or you caused the payment to be made in the amount shown in each of the Account Statements for which a credit for a payment is reflected. �-re-S 9. You admit as to each Account Statement which reflects no credit for a payment made,that a payment was not made by the due date stated in the prior month's statement. E S 10. You admit that the last payment on the account was made on September 28, 2009. 7E--s 11. You admit that within sixty(60) days from your receipt of each Account Statement that a written billing error notice was not sent to plaintiff. 12. You admit plaintiff is a national bank organized and existing under the laws of the United States of America. 13. You admit that Citibank(South Dakota),N.A. merged into Citibank,N.A. on or about July 2011. �cs Interrogatories 1. Identify each person who provided information for the answer to the requests for admission, these interrogatories and the requests for production. bamu ' j , 1 gld 2. If the response to any of the requests for admission is a denial, explain in detail each fact upon which you rely for your denial. 06u� 3. According to your records, what was the date and the amount of the last payment you made on the Account? q)gj� a6) - 4. According to your records,what was the balance owed on the Account as of the date your last payment? �n F, ) ) ti 5. According to your records, what is the amount you contend is currently owed on the Account? 04996 W�4AS Pg C /v1L ewaf 6. If the balance you contend is owing on the Account is different than the sum set forth in the complaint,explain in detail how your arrived at the sum set forth in your response to interrogatory no. 5. 7. Identify each person you will call as a witness at the trial of this case. a'r - J, l �c Mul'� ,: 8. Provide a summary of the facts to which each person identified in your response to interrogatory no. 7 will testify at trial. bAKWA J I ITOWC.4 V1 ED T96- CUT M Pb MU5 T� fX'r �f CA >� l 9. If a person identified in your response to interrogatory no. 7 will be called as an expert witness, identify the person by name,address and telephone number. 10. State the subject matter on which the expert will testify. 11. State the substance of the facts to which the expert is expected to testify. 12. State the substance of the opinion to which the expert is expected to testify. 13. State a summary of the grounds for the opinion to which the expert is expected to testify. 14. State whether any person designated as an expert witness prepared a written report of findings and opinions. Request for Production of Documents Request for Production No. 1 If any fact in response to interrogatory no. 1 is supported by a document,produce the document upon which you rely for your denial to the requests for admission. / �l Request for Production No.2 Produce all documents, letters,papers or writings of any kind that you intend to introduce at trial. Request for Production No.3 Produce all documents, letters,papers, contracts, agreements, drafts, cancelled checks, cash or money order receipts or writings of any kind on which you rely in support of the answer you filed in this case. Request for Production No.4 Produce the resume or curriculum vitae of each person you identified as an expert witness. 1104. f� Request for Production No. 5 Produce the report prepared by each person you identified as an expert witness. // 1'/ 14 Request for Production No.6 Produce proof of the last three payments you made on the account. Such proof shall be in the form of a cancelled check or other bank record which reflects the date and amount of the payment. � 9 ��9 - aoU 4 6, l 3i Burton Neil &Associates, P.C. By_ Neil Sarker, esquire In making this communication, we advise Burton Neil& Associates, P.C. is a debt collector. This is an attempt to collect a debt and any information obtained shall be used for that purpose. C-38136 CITIBANK,N.A. ) Plaintiff, VS. ) Case No. BARBARA J MINNICK ) Defendant. ) AFFIDAVIT SUPPORTING SUMMARY JUDGMENT STATE OF MISSOURI ) )ss. COUNTY OF PLATTE ) Before me,the undersigned authority,personally appeared the person identified below,who being by me duly sworn, deposed as follows: AbbieMotley 1. My name is . I am of sound mind, lawful age and capable of making this Affidavit.The statements set forth in this affidavit are true and correct based on my personal knowledge and review of the business records described herein. I am authorized to make this affidavit on behalf of plaintiff Citibank,N.A.(referred to herein as"Citibank"). Citibank is a National Bank located in Sioux Falls,South Dakota. 2. 1 am employed by Citibank.My job title is Document Control Officer. My employment duties include being a custodian of records with respect to accounts owned by Citibank. As a custodian of records, I have knowledge of,and access to,account information and records concerning the defendant's Citibank account number currently ending in 6627,which is the subject of this lawsuit(the "Account"). As a result, I am competent to testify to the matters stated herein. 3. Citibank's records regarding the Account contain the name and billing address of the defendant,the Account number(and predecessor account numbers, if any),the Account's history,which may include charges made, interest and/or fees assessed, payments and/or credits received,and the minimum payment due and the total outstanding balance due on the Account,all of which are collectively referred to as the"Account Information". Exhibit A attached hereto and incorporated herein are copies of the Account statement transaction detail for the period from 4/2/2009 to 4/2/2010 that was sent to the defendant(the"Account Statement"). 4. The Account Information reflects that charges were made on the Account to purchase goods and services and/or obtain cash advances. Defendant was provided periodic billing statements for the Account when there was Account activity,which described the charges on the Account,along with interest,fees, payments,credits and the amount due on the Account. The Account is subject to written terms and conditions,as amended from time to time,which are reflected in the exemplar card agreement attached as Exhibit B along with the Account Statements. Defendant agreed to the terms and conditions by using the Account. 5. Exhibit(s)A and B are business records reflecting information created and maintained by Citibank or its affiliates, in the course of regularly conducted business activity,and are part of the regular practice of Citibank to create and maintain such information,and also were made at the time of the act,transaction,occurrence or event or within a reasonable time thereafter. 6. As reflected in the Account Information,defendant did eventually fail to make required payments on the Account. 7. As a result of defendant's failure to make proper payments on the Account,defendant is presently in default on the Account. 8. The Account Information shows that the Account Statement reciting the amount of the debt was sent to the defendant either by regular mail or by electronic mail. The attached Account Statement does not reflect any outstanding disputes on the Account. 9. As reflected on the attached Account Statement,the balance on the Account is$20,814.45. After the attached Account Statement was sent to the defendant,an additional payment or credit/debit was received on the Account in the amount of$0.00. As of the date of this affidavit,the Account balance of$20,814.45 is due and owing. 10. Citibank's records reflect that defendant opened and/or used the Account and,therefore,to the best of my knowledge,defendant is neither an incompetent, nor a minor. EXHIBIT C 11.The debt reflected herein is delinquent, past due and remains due and owing.Citibank is the owner of the Account and the party and entity to whom the delinquent debt is owed. I solemnly affirm under the penalties of perjury and upon personal knowledge that the contents of the foregoing paper are true. EXECUTED on Signature Abbie Motley Name STATE OF MISSOURI ) )ss. COUNTY OF PLATTE ) On this /3 day of 20_L2 before the undersigned Notary Public in and for the state of Missouri, personally appeared Abbie Motley known to me to be the person who executed the Affidavit on behalf of the above-named Plaintiff,and acknowledged to me that he/she executed the same for the purposes therein stated. LNotary Public My commission expires: STEVEN 0.MCELROY Notary.Public-Notary Seal State of Missouri COIrITISS10l1ed for Clay County My Commission Expires:January 26,2014 Commission Number;10927291 Visit: www.citicards.comIe 6627861224638245909 M 6627 04/27/09 18612.24 $638.24 44 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi® Platinum Select® Card Account Number jjjjjjjjl jjjjjjjj♦ = 6627 Customer Servicr 1-800-983-6453• Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance PO Box 44167 $18160 $0 $18160 $0 $18612.24 Statement/ Amount Over Purch/Adv Minimum Jacksonville, rL Closing Date Credit Line Past Due Minimum Due Amount Out 32231-4167 04/02/2009 $452.24 + $0.00 + $186.00 = $638.24 Sale Date Post Data Reference Number Activity Since Last Statement Amount Payments, Credits & Adjustments 3/27 97711249 PAYMENT THANK YOU -200.00 Account Summary Previous + Purchases - Payments + = New Balance &Advances &Credits CHARGE Balance PURCHASES $18,812.24 $0.00 $200.00 $0.00 $18,612.24 ADVANCES $0.00 $0.00 $0.00 $0.00 $0.00 TOTAL $18,812.24 $0.00 $200.00 $0.00 $18,612.24 Rate Summary Balance Subject to Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $1,717.18 0.00000%(M) 0.000% 0.000% Purch/Adv Thru 09/04/2007 $17,053.68 0.00000%(M) 0.000% 0.000% ADVANCES Standard Adv $0.00 0.00000%(M) 0.000% 0.000% EXHIBIT A SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com ^re1'e 6627841224436245908 �r 7GM 6627 05/28/09 18412.24 $436.24 44 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi® Platinum Select® Card Account Number = = M 6627 Customer Service: 1-800-983-6453 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance PO Box 44167 $18160 $0 $18160 $0 $18412.24 Statement/ Amount Over Purch/Adv Minimum Jacksonville, FL Closing Date Credit Line Past Due Minimum Due Amount Due 32231-4167 05/04/2009 $252.24 + $0.00 + $184.00 = $436.24 Sale Date Post Date Reference Number Activity Since Last Statement Amount Payments, Credits & Adjustments 4/29 97655043 PAYMENT THANK YOU -200.00 Reminder: You take a cash advance if you use a cash convenience check; get money through an automated teller machine (ATM); or get money through home banking or a financial institution. You also take a cash advance if you make a wire transfer; buy a money order, traveler's check, lottery ticket, casino chip, or similar item or engage in a similar transaction. Each Cash Advance is subject to a one-time transaction fee described in your Card Agreement. This fee will cause your Annual Percentage Rate to exceed the nominal Annual Percentage Rate listed on this statement. Account Summary revious + Purchases - Payments + = New Balance &Advances &Credits CHARGE Balance PURCHASES $18,612.24 $0.00 $200.00 $0.00 $18,412.24 ADVANCES $0.00 $0.00 $0.00 $0.00 $0.00 TOTAL $18,612.24 $0.00 $200.00 $0.00 $18,412.24 Balance Subject o Periodic Nominal Rate Summary ANNUAL PURCHASES Finance Charge Rate APR PERCENTAGE RATE Standard Purch $1,562.94 0.00000%(M) 0.000% 0.000% Purch/Adv Thru 09/04/2007 $17,018.04 0.00000%(M) 0.000% 0.000% ADVANCES Standard Adv $0.00 0.00000%(M) 0.000% 0.000% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com ^ '• 6627821224234245906 a•r 6627 06/26/09 18212.24 $234.24 44 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi® Platinum Select® Card Account Number M = jij)♦ 6627 Customer Service- 1-800-983-6453• Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance PO BOX 6500 $18160 $0 $18160 $0 $18212.24 Statement/ Amount Over Purch/Adv Minimum SIOUX FALLS, SD Closing Date Credit Line Past Due Minimum Due Amount Due 57117-6500 06/03/2009 $52.24 + $0.00 + $182.00 = $234.24 Sale Date Post Date Reference Number Activity Since Last Statement Amount Payvents, Credits 8 Adjustments 5/28 97653134 PAYMENT THANK YOU -200.00 Our records show home phone 717-258-0356 and business phone 717-249-1535. If incorrect, please update your account online at www.citicards.com or call us at 1-800-983-6453 to let us know. Account Summary Previous + Purchases Payments + = New Balance &Advances &Credits CHARGE Balance PURCHASES $18,412.24 $0.00 $200.00 $0.00 $18,212.24 ADVANCES $0.00 $0.00 $0.00 $0.00 $0.00 TOTAL $18,412.24 $0.00 $200.00 $0.00 $18,212.24 Rate Summary Balance Subject to Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $1,392.94 0.00000%(M) 0.000% 0.000% Purch/Adv Thru 09/04/2007 $16,979.30 0.00000%(M) 0.000% 0.000% ADVANCES Standard Adv $0.00 0.00000%(M) 0.000% 0.000% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com C/;��1'e 6627801224180005902 7 6627 07/27/09 =18012.24 $180.00 44 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 17013-1170000 PA Citi® Platinum Select® Card Account Number M M jjjjjl, 6627 Customer Service• 1-800-983-6453• Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance Po BOX 6500 $18160 $0 $18160 $0 $18012.24 Statement/ Amount Over Purch/Adv Minimum SIOUX FALLS, SD Closing Date Credit Line Past Due Minimum Due Amount Due 57117-6500 07102/2009 $0.00 + $0.00 + $180.00 = $180.00 Sale Date Post Date Reference Number Activity Since Last Statement Amount Payments, Credits 6 Adjustments 6/26 97670272 PAYMENT THANK YOU -200.00 Your account balance is now below your credit line. Please keep in mind that if you exceed your credit line in the future, you may be assessed a fee. Please see enclosed privacy notice for important information. Account Summary Previous + Purchases Payments + = New Balance &Advances &Credits CHARGE Balance PURCHASES $18,212.24 $0.00 $200.00 $0.00 $18,012.24 ADVANCES $0.00 $0.00 $0.00 $0.00 $0.00 TOTAL $18,212.24 $0.00 $200.00 $0.00 $18,012.24 Balance Subject O Periodic Nominal Rate Summary Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $1,228.53 0.00000%(M) 0.000% 0.000% Purch/Adv Thru 09/04/2007 $16,942.32 0.00000%(M) 0.000% 0.000% ADVANCES Standard Adv $0.00 0.00000%(M) 0.000% 0.000% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com rIe 6627781224178005801 1r � � 6627 08/27/09 17812.24 $178.00 44 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISL 17013-1170000 PA Citio Platinum Select® Card Account Number M = = 6627 Customer Servicr 1-800-983-6453• Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance PO BOX 6500 $18160 $0 $18160 $0 $17812.24 Statement/ Amount Over Pureh/Adv Minimum SIOUX FALLS, SO Closing Date Credit Line Past Due Minimum Due Amount Due 57117-6500 08/04/2009 $0.00 + $0.00 + $178.00 = $178.00 Sale Date Post Date Reference Number Activity Since Last Statement Amount Payments, Credits 6 Adjustments 7/30 97982104 PAYMENT THANK YOU -200.00 Account Summary Previous + Purchases Payments + = ever Balance &Advances &Credits CHARGE Balance PURCHASES $18,012.24 0.00 $200.00 0.00 $17,812.24 ADVANCES $0.00 0.00 $0.00 0.00 $0.00 TOTAL $18,012.24 10.00 $200.00 10.00 $17,812.24 Rate Summary a ance Subject to Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $1,073.93 0.00000%(M) 0.000% 0.000% Purch/Adv Thru 09/04/2007 $16,908.00 0.00000%(M) 0.000% 0.000% ADVANCES Standard Adv $0.00 0.00000%(M) 0.000% 0.000% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com t' 6627 09/29/09 17812.24 $356.00 44 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi® Platinum Select® Card Account Number M = = 6627 Customer Service: 1-800-983-6453 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance PO BOX 6500 $18160 $0 $18160 $0 $17812.24 Statement/ Amount Over Purch/Adv Minimum SIOUX FALLS, SD Closing Data Credit Line Past Due Minimum Due Amount Due 57117-6500 09/02/2009 $0.00 + $178.00 + $178.00 = $356.00 Sale Date Post Date Reference Number Activity Since Last Statement Amount Account Summary revious Purchases - Payments + =Ire w Balance &Advances &Credits CHARGE Balance PURCHASES $17,812.24 0.00 $0.00 $0.00 $17,812.24 ADVANCES $0.00 0.00 $0.00 $0.00 $0.00 TOTAL $17,812.24 10.00 $0.00 $0.00 $17,812.24 Rate Summary Balance Subject to Periodic Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $934.78 0.00000%(M) 0.000% 0.000% Purch/Adv Thru 09/04/2007 $16,877.46 0.00000%(M) 0.000% 0.000% ADVANCES Standard Adv $0.00 0.00000%(M) 0.000% 0.000% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com C {r'e 6627785549577255904 6627 10/29/09 17855.49 $577.25 32 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 17613-1170000 PA Citi® Platinum Select® Card Account Number = = M 6627 Customer Service: 1-800-983-6453 Total Credit Line Available Credit Line Cash Advance Limit Available Cash Limit New Balance PO BOX 6500 $18160 $0 $18160 $0 $17855.49 Statement/ Amount Over Purch/Adv Minimum SIoux FALLS, SD Closing Date Credit Line Past Due Minimum Due Amount Due 57117-6500 10/02/2009 $0.00 + $0.00 + $577.25 = $577.25 Sale Date Post Data Reference Number Activity Since Last Statement Amount Payments, Credits & Adjustments 9/11 97681076 PAYMENT THANK YOU -200.00 9/28 84483011 PAYMENT THANK YOU -156.00 Standard Purch 10/02 PURCHASES•FINANCE CHARGE*PERIODIC RATE 17.26 Purch/Adv Thru 09/04/2007 10/02 PURCHASESsFINANCE CHARGE•PERIODIC RATE 381.99 Account Summary Previous + Purchases Payments + = New Balance &Advances &Credits CHARGE Balance PURCHASES $17,812.24 0.00 $356.00 $399.25 $17,855.49 ADVANCES $0.00 0.00 $0.00 $0.00 $0.00 TOTAL $17,812.24 10.00 $356.00 $399.25 $17,855.49 Balance Subject 0 Periodic Nominal Rate Summary Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $771.11 0.07463%(D) 27.240% 27.240% Purch/Adv Thru 09/04/2007 $17,061.38 0.07463%(D) 27.240% 27.240% ADVANCES Standard Adv $0.00 0.07463%(D) 27.240% 27.240% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com ^ e 6627836088431525904 ci ' =MM M 6627 11/30/09 18360.88 $1431.52 32 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD. 43218-2564 CARLISLE PA 17013-1170000 Citi® Platinum Select® Card Account Number Customer Service: 1-800-983-6453 = = 6627 PO BOX 6500 SIOUX FALLS, SD 57117-6500 Minimum Payment Due Payment Due Date New Balance $1,431.52 11/30/2009 $18,360.88 Late Payment Narninqq• If we do not receive your minimum payment by the date listed above, you may have to pay a $39 late fee and your APRs may be increased up to the Penalty APR of 27.24%. Credit Limit Available Credit Cash Advance Limit Available Cash Limit Statement Closing Date Days In Billing Cycle $18,160 $0 $18,160 $0 11/03/2009 32 Summary of Account Activity Previous Balance Pa ments Other Credits Purchases Balance Transfers Cash Advances $17,855.49 $0.00 $0.00 $74.00 $0.00 $0.00 Amt Over Credit Line Past Due Amount New Balance $200.88 $577.25 $18,360.88 Sale Date Post Date Reference Number Activity Since Last Statement Amount Standard Purch 11/03 LATE FEE - OCT PAYMENT PAST DUE 39.00 11/03 OVER CREDIT LIMIT FEE 35.00 11/03 PURCHASES*FINANCE CHARGE*PERIODIC RATE 14.40 Purch/Adv Thru 09/04/2007 11/03 PURCHASES*FINANCE CHARGE*PERIODIC RATE 416.99 Your late fee was based on your account balance as of the payment due date (10/29/09), which was $17,855.49. Please pay the Minimum Amount Due shown. Your account is past due and your balance is over the credit line. Regular monthly payments will help establish a good payment history with us. If you have already sent this payment, thank you. Account Summary revious + Purchases Payments + FINANCE New Balance &Advances &Credits CHARGE Balance PURCHASES $17,855.49 $74.00 10.00 0.00 $431.39 $18,360.88 ADVANCES $0.00 $0.00 0.00 $0.00 $0.00 TOTAL $17,855.49 $74.00 $431.39 $18,360.88 Balance Subject o Periodic Nominal Rate Summary Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $602.99 0.07463%(D) 27.240% 27.240% Purch/Adv Thru 09/04/2007 $17,460.60 0.07463%(D) 27.240% 27.240% ADVANCES Standard Adv $0.00 0.07463%(D) 27.240% 27.240% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com ^'01e 6627885044563645903 at' 1® � � � 6627 12/30/09 18850.44 -2563.64 32 V1 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD 43218-2564 CARLISL 17613-1170000 PA Citi® Platinum Select® Card Account Number Customer Service: 1-800-983-6453 = = 6627 PO BOX 6500 SIOUX FALLS, SD 57117-6500 Minimum Payment Due Payment Due Date New Balance $2,563.64 12/30/2009 $18,850.44 Late Payment Naming- If we do not receive your minimum payment by the date listed above, you may have to pay a $39 late fee and your APRs may be increased up to the Penalty APR of 27.24%. Credit Limit Available Credit Cash Advance Limit Available Cash Limit Statement Closing Date Days In Billing Cycle $18,160 $0 $18,160 $0 12/03/2009 30 Summary of Account Activity Previous Balance Payments Other Credits Purchases Balance Transfers Cash Advances $18,360.88 $0.00 $0.00 $74.00 $0.00 $0.00 Amt over Credit Line Past Due Amount New Balance $690.44 $1,230.64 $18,850.44 Sale Date Post Date Reference Number Activity Since Last Statement Amount Standard Purch 12/03 LATE FEE - NOV PAYMENT PAST DUE 39.00 12/03 OVER CREDIT LIMIT FEE 35.00 12/03 PURCHASES*FINANCE CHARGE*PERIODIC RATE 15.49 Purch/Adv Thru 09/04/2007 12/03 PURCHASES*FINANCE CHARGE*PERIODIC RATE 400.07 Your late fee was based on your account balance as of the payment due date (11/30/09), which was $18,360.88. Your account is two months past due and your credit privileges have been discontinued. Please call the toll-free number shown above, Monday - Friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. If you have already sent us this payment, thank you. Our records show home phone 717-258-0356 and business phone 717-249-1535. If incorrect, please update your account online at www.citicards.com or call us at 1-800-983-6453 to let us know. Contact us todayy - we can helps Go online at www.paymentsolutions.citicards.com to login or register. SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com i1. Cltl 32 V1 1184 4 MC 4 BARBARA J MINNICK Sale Date Post Data Reference Number Activity Since Last Statement Amount Account Summary revious + urc ases aymen s +)FINANCE New Balance &Advances .&Credits CHARGE Balance PURCHASES $18,360.88 $74.00 0.00 $415.56 $18,850.44 ADVANCES $0.00 $0.00 0.00 $0.00 $0.00 TOTAL $18,360.88 $74.00 10.00 $415.56 $18,850.44 Rate Summary balance Subject Periodic Nominal FANNUAL inance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $691.90 0.07463%(D) 27.240% 27.240% Purch/Adv Thru 09/04/2007 $17,869.06 0.07463%(D) 27.240% 27.240% ADVANCES Standard Adv $0.00 0.07463%(D) 27.240% 27.240% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. Visit: www.citicards.com �I, 6627939427809305901 6627 02/01/10 19394.27 $3809.30 32 Al 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD 43218-2564 CARLISLE PA 17013-1170000 Citi® Platinum Select® Card Account Number Customer Service: 1-800-983-6453 = = 6627 PO BOX 6500 SIOUX FALLS, SD 57117-6500 Minimum Payment Due Payment Due Date New Balance $3,809.30 02/01/2010 $19,394.27 Late Payment Namingq• If we do not receive your minimum payment by the date listed above, you may have to pay a $39 late fee and your APRs may be increased up to the Penalty APR of 27.24%. Credit Limit Available Credit Cash Advance Limit Available Cash Limit Statement Closing Date Days In Billing Cycle $18,160 $0 $18,160 $0 01/05/2010 33 Summary of Account Activity Previous Balance Payments Other Credits Purchases Balance Transfers Cash Advances $18,850.44 $0.00 $0.00 $74.00 $0.00 $0.00 Amt Over Credit Line Past Due Amount New Balance $1,234.27 $1,873.20 $19,394.27 Sale Date Post Date Reference Number Activity Since Last Statement Amount Standard Porch 1/05 LATE FEE - DEC PAYMENT PAST DUE 39.00 1/05 OVER CREDIT LIMIT FEE 35.00 1/05 PURCHASES*FINANCE CHARGE*PERIODIC RATE 19.29 Purch/Adv Thru 09/04/2007 1/05 PURCHASES*FINANCE CHARGE*PERIODIC RATE 450.54 Your late fee was based on your account balance as of the payment due date (12/30/09), which was $18,850.44. Your account is now 3 MONTHS PAST DUE and currently closed. Please call the toll-free number shown above to learn about our special payment options. Call Monday - Friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. Accotptt Summary Previous + Purchases Payments t New Balance &Advances &Credits CHARGE Balance PURCHASES $18,850.44 $74.00 0.00 $469.83 $19,394.27 ADVANCES $0.00 $0.00 0.00 $0.00 $0.00 TOTAL $18,850.44 $74.00 10.00 $469.83 $19,394.27 Balance Subject o Periodic Nominal Rate Summary Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $783.24 0.07463%(D) 27.240% 27.240% Purch/Adv Thru 09/04/2007 $18,294.03 0.07463%(D) 27.240% 27.240% ADVANCES Standard Adv $0.00 0.07463%(D) 27.240% 27.240% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. www.citicards.com '• 6627984265842655906 M 6627 3/01/10 19842.65 19842.65 32 V1 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD 43218-2564 17013-1170000 PA Citi® Platinum Select® Card Account Number: = M = 6627 Customer Service: 1-800-983-6453 www.citicards.com PO BOX 6500 SIOUX FALLS, SD 57117-6500 Summary of Account Activity Payment Information i«eitimeonsthepayy�ae;esd�M Previous Balance $19,394.27 New Balance $19,842.65 Payments - 0.00 Minimum Payment Due $19,842.65 Other Credits - 0.00 Payment Due Date 03/01/2010 Purchases + 0.00 Balance Transfers + 0.00 Late Payment Warning: If we do not receive your minimum Cash Advances +10.00 payment by the date listed above, you may have to pay up to Fees Charged +$39.00 a i39 late fee and your APRs may be increased up to the Interest Charged +$409.38 variable Penalty APR of 27.24%. New Balance $19,842.65 Minimum Payment Warning: If you make only the minimum Past Due Amount Payment each period, yyou will pay more in interest and it $2,575.03 will take you longer to pay Off your balance. For example: Amt. Over Credit Limit $1,682.65 If you make no You will pay And you will end additional charges off the balance up.paying an using this card shown on this estimated total Credit Limit $18,160 and each month you statement in of... Available Credit $0 pay... about... Cash Advance Limit $18,160 Available Cash Limit $0 Only the minimum payment 1month(s) $19,843 Statement Closing Date 0210212010 Days in Billing Cycle 28 If you would like information about credit counseling services, call 1-877-337-8188. Sale Date Post Date Reference Number Activity Since Last Statement Amount Fees 2/02 LATE FEE - JAN PAYMENT PAST DUE 39.00 TOTAL FEES FOR THIS PERIOD 39.00 Interest Charged 2102 PURCHASES*INTEREST CHARGE*PERIODIC RATE 18.31 2102 PURCHASES*INTEREST CHARGE*PERIODIC RATE 391.07 TOTAL INTEREST FOR THIS PERIOD 409.38 Your late fee was based on your account balance as of the payment due date (02101110), which was $19,394.27. Help is available! Please call the toll-free number shown above to learn about our special payment options. Call Monday - Friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. Please give us the opportunity to assist you. Contact us todayy - we can helpi Go online at www.paymentsolutions.citicards.com to login or register. SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. www.citicards.comle 32 V1 1184 4 MC 4 BARBARA J MINNICK Sale Date Poet Date Reference Number Activity Since Last Statement Amount Rate Summary Balance Subject to Perlodlc Nominal ANNUAL Interest Charae Rate APR PERCENTAGE RATE PURCHASES Standard Purch $876.01 0.07463%(D) 27.240% 27.240% Purch/Adv Thru 09/04/2007 $18,714.92 0.07463%(D) 27.240% 27.240% ADVANCES Standard Adv $0.00 0.07463%(D) 27.240% 27.240% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. www.citicards.com C ble 6627030050300505908 I m 6627 3/28/10 20300.50 20300.50 32 yl 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD 43218-2564 CARLISL 171113—1170000 PA Citio Platinum Select® Card Account Number: = = = 6627 Customer Service: 1-800-983-6453 www.citicards.com PO BOX 6500 SIOUX FALLS, SO 57117-6500 yent must Summary of Account Activity Payment Information lloocaal time onthee payment due tl�M Previous Balance $19,842.65 New Balance $20,300.50 Payments - 0.00 Minimum Payment Due $20,300.50 Other Credits - 0.00 Payment Due Date 03/28/2010 Purchases + 0.00 Balance Transfers + 0.00 Late Payment Yarning: If we do not receive your minimum Cash Advances +10.00 payment by the date listed above, you may have to pa up to Fees Charged +=39.00 a $39 late fee and your APRs may be increased up to the Interest Charged +$418.85 variable Penalty APR y of 27.24%. New Balance $20,300.50 Minimum Payment Yarning: If you make only the minimum Past Due Amount $3,221.41 wall take each period, yyou will pay more in interest and it y g to pay off your balance. For example: Amt. Over Credit Limit $2,140.50 If you make no You will pay And you will end additional charges off the balance up_payIng an using this card shown on this estimated total Credit Limit $18,160 and each month you statement in of... Available Credit $0 pay... about... Cash Advance Limit $18,160 Available Cash Limit $0 Only the minimum payment 1month(s) $20,301 Statement Closing Date 03/02/2010 Days in Billing Cycle 28 If you would like information about credit counseling services, call 1-877-337-8188. Sale Date Post Date Reference Number Activity Since Last Statement Amount Fees 3/02 LATE FEE - FEB PAYMENT PAST DUE 39.00 TOTAL FEES FOR THIS PERIOD 39.00 Interest Charged 3/02 PURCHASES*INTEREST CHARGE*PERIODIC RATE 19.52 3/02 PURCHASES*INTEREST CHARGE*PERIODIC RATE 399.33 TOTAL INTEREST FOR THIS PERIOD 418.85 Your late fee was based on your account balance as of the payment due date (03/01/10), which was $19,842.65. Help is availablel Please call the toll-free number shown above to learn about our special payment options. Call Monday - Friday 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. Please give us the opportunity to assist you. Contact us todayy - we can help) Go online at www.paymentsolutions.citicards.com to login or register. SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. citi 32 V1 1184 4 MC 4 BARBARA J MINNICK Sale Date Post Date Reference Number Activity Since Last Statement Amount Rate Summary Balance Subject to Periodic Nominal ANNUAL Interest Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $933.91 0.07463%(D) 27.240% 27.240% Purch/Adv Thru 09/04/2007 $19,109.96 0.07463%(D) 27.240% 27.240% ADVANCES Standard Adv $0.00 0.07463%(D) 27.240% 27.240% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. www.citicards.com ^ 'm 6627081445814455905 a•r 6627 4/28/10 20814.45 20814.45 32 V1 1184 4 MC 4 CITI CARDS P.O. BOX 182564 BARBARA J MINNICK COLUMBUS, OH 1915 SPRING RD 43218-2564 CARLISL 17013-1170000 PA Citi® Platinum Select® Card Account Number: M = = 6627 Customer Service: 1-800-983-6453 www.citicards.com PO BOX 6500 SIOUX FALLS, SD 57117-6500 Payment must be received by 5:00 PM Summary of Account Activity Payment Information local time on the payment due date. Previous Balance $20,300.50 New Balance $20,814.45 Payments - 0.00 Minimum Payment Due $20,814.45 Other Credits - 0.00 Payment Due Date 04/28/2010 Purchases + 0.00 Balance Transfers + 0.00 Late Payment Warning: If we do not receive your minimum Cash Advances + 0.00 pa mgnt by the date listed above, you may have to pay u to Fees Charged +$39.00 a 839 late fee and your APRs may be increased up to The Interest Charged +$474.95 variable Penalty APR of 27.24%. New Balance $20,814.45 Minimum Payment Warning. If you make only the minimum Past Due Amount $3,882.26 willietakeacuplonoer you will pay more in interest and it yo g to pay off your balance. For example: Amt. Over Credit Limit $2,654.45 If you make no You will pay And you will end additional charges off the balance up paying an Credit Limit using this card shown on this estimated total Available Credit $18,1$00 and each month you statement in of... Cash Advance Limit $18,160 pay"' about... Available Cash Limit $0 Only the minimum payment 1 month(s) $20,814 Statement Closing Date 04/02/2010 Days in Billing Cycle 31 If you would like information about credit counseling services, call 1-877-337-8188. Sale Date Post Date Reference Number Activity Since Last Statement Amount Fees 4102 LATE FEE - MAR PAYMENT PAST DUE 39.00 TOTAL FEES FOR THIS PERIOD 39.00 Interest Charged 4/02 PURCHASES*INTEREST CHARGE*PERIODIC RATE 23.00 4/02 PURCHASES*INTEREST CHARGE*PERIODIC RATE 451.95 TOTAL INTEREST FOR THIS PERIOD 474.95 Your late fee was based on your account balance as of the payment due date (03/28/10), which was $20,300.50. Help is availablel Please call the toll-free number shown above to learn about our special payment options. Call Monday - Friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. Please give us the opportunity to assist you. Contact us today - we can help) Go online at www.paymentsolutions.citicards.com to login or register. SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. www.citicards.com C {rie 32 V1 1184 4 MC 4 BARBARA J MINNICK Sale Date Post Date Reference Number Activity Since Last Statement Amount Rate Summary Balance Subject to Periodic Nominal ANNUAL Interest Charae Rate APR PERCENTAGE RATE PURCHASES Standard Purch $994.13 0.07463%(D) 27.240% 27.240% Purch/Adv Thru 09/04/2007 $19,535.27 0.07463%(D) 27.240% 27.240% ADVANCES Standard Adv $0.00 0.07463%(D) 27.240% 27.240% SEND PAYMENTS TO: 32 PLEASE REFER TO THE REVERSE SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION. be allocated as provided by the rules of the arbitration firm and Enforcing this Agreement.We will not lose our rights under this If you authorized us to pay your credit card bill automatically from CARD AGREEMENT applicable law.However,we will advance or reimburse your fees Agreement because we delay in enforcing them or fail to enforce your savings or checking account,you can stop the payment on if the arbitration firm or arbitrator determines there is good reason them. any amount you think is wrong.To stop the payment you must tell for requiring us to do so,or If you ask us and we determine there Collection Costs.To the extent permitted by law,you are liable us at least three business days before the automatic payment 1s This Card Agreement Is Is good reason for doing so.Each party will bear the expense of to us for our legal costs if we refer collection of your account scheduled to occur. g your contract with us.It governs the use that par"attorneys,experts,and witnesses,and other expenses, do a lawyer who is net our salaried employee.These costs may Your RlpAfs and Our Responsibilities After We Receive Your of your card and account.The accompan'ng important Account regardless of which party prevails,but a parry may recover a or Information table,which we call a"Fad Sheet',is part of this all expenses from another party if the arbitrator,a Include reasonable attorneys'fees.They may also include costs wrhy n Notice. DPhnnO ePp1 col- and expenses of any legal action. Agreement Please read your Agreement including the fact Sheet iota law,so detennlnes. We must acknowledge yyour letter within 30 days,unless we have carefully.Keep both for your records. Who can be a party?Claims must be brought In the name of an Assignment.We may assign any or all of our rights and oblige- corrected the error by 4n.Within 90 days we must either correct g bons under this Agreement to a third parry. the error or explain wiry we belleve your billing statement was Definitions Individual person or entity and must proceed on an Individual correct After we receive your letter,we cannot try to collect any amount means the relationship established between you and us (non-class,non-representative)basis.The arbitrator will not award For Further Information amount you question,or report your account as deltnquent We by this Agreement relief for or against anyone who is not a party.If you or we require Call us toll-free for further Information.Call the toll-free Customer can continue to bill you for the amount you question,Including APR means an annual percentage rate, arbitration of a Claim,neither you,we,nor any other person may Service telephone number shown on the billing statement or on finance charges,and we can apply any unpaid amount against pursue the Claim in arbitration as a class action,private attorney the back of your card.You can also call local or toll-free Directory your credit line.You do not have to pay any questioned amount auurorhed Mr means any person you allow to use your account general action or other representative action,nor may such Chaim Assistance to get our telephone number. while we are Investigating,but you are still obligated to pay the cardmeans one or more cards or other access devices that we be pursued on your or our behalf In any fitigatlon in any court parts of your balance that are not In question. give you to get credit under this Agreement.This includes account Claims,including assigned Claims,of two or more persons may numbers. If we find that we made a mistake on your billing statement,you not is)fined-a consolidated in the same arbitration.However, we,us,and our mean Citibank(South Dakota),N.A.,the issuer of applicants,ce applicants authorized users an a single account will not have to pay any finance charges related to any questioned a your account. andlor related accounts,or corporate affiliates are here considered Ken Stork Citibank(South Dakota),N.A. amount.tl d didn't make a mistake,you may have to pay finance a es one person. President 8 CEO P.O.Box 6000 charges,and you will have to make up arty missed payments on Yo f+'ev/.and yours mean the person who applied to open the as o n Ill rs arbitration award final?The arbitrators award is Sioux Fails 057117 the questioned amount.In either case,we will send you a state- accourhL It also means any other person responsible for complying float and a binding on the ages unless a ment of the amount you owe and the date it Is due. with this Agreement. pa party appeals a in writing If you fail to pay the amount that we think you owe,we may report Your Account to the arbitration firm within fifteen days of notice of the award. ®2008 Citibank South Dakota,NA p The appeal must request a new arbitration before a panel of three ( ) you as delinquent.However K our explanation does not satisfy you You agree to use your account in accordance with this Agreement neutral arbitrators designated by the same arbitration firm.The and you write to us wbIn 10 days telling us that you still refuse You must ppaayy us for all amounts due on your account.This Agree- to pay,we must tell anyone we report you to that you have a ues- mend is hindin on you unless u dose your account within 30 panel will consider all factual and legal Issues anew,follow the tion about your bill.And,we must tell you the name and address days after receiving the card and you have not used or authorized same rules that app to a proceeding using a single arbitrator, of anyone to whom we reported your account Information.We use of the card.Your account must only be used for lawful trans- and make decisions eel an the vote of the majority.Costs will Y be allocated In the same way they are allocated for arbitration What To Do IfThere s An Error In Your Bill. must tell anyone we report you to that the matter has been settled actions. before a single arbitrator.An award by a panel is final and binding Your Billing Rights.Keep Misr Notice far Future Ilse. between us when it is finally settled. Authorized Users.You may request additional cards for authorized on the es after fifteen days has passed.A final and binding This notice contains unportard Information about your rights and ff we don't follow these rules,we can't collect the first$50 of the users.You must pay us for all charges made by authorized users. award Is subject to judicial review and enforcement as provided by our responsibilities under the fair Credit Billing Ad. questioned amount,even If your billing statement was correct You must pay us even if you dud not Intend to be responsible for the FAA or other applicable law. Nality Us fn Care of firers or Questions About Your Hill. Special Rule for Credit Card Parchwea. those charges.You must notify us to withdraw airy permission you Survival and Severability of Terms If you think your billing statement is wrong,or if you need more If you have a problem with the quality of property or services that give to an authored user to use your account. This arbitration provision shall survive:(1)termination or changes in crmatlon about a transaction on your billing statement,write you purchased with a credit card,and you have tried in good faith Credit line.The full amount of your credit One is available to use in the Agreement,the account,or the relationship between you to us(on a separate sheet)as soon as possible at the address to coned the problem with the merchant,you may have the right where the card is honored.Part of your credit line is called the and us concerning the account; 8)the bankruptcy of any party; provided in the BIRIng R49 Summary portion on the back of not to pay the remaining amount due on the property or services. cash advance limit it is available for cash advances.We may and call)any transfer,sale or assignment of your account,or arty your statement.We must bear from you no Later than 60 days after There are two limitations on this right reduce or increase your credit llne or cash advance limit at any amou s oared on your account,to any other person or entity.If we sent you the first statement on which tie error or problem •You must have made the purchase in your home state or,it time for any reason.We will notify you of any change,but the any portion of this arbitration provision is deemed Invalid or unen- appeared.You can telephone ins,but doing so wig not preserve not within your home state,within 100 miles of your current change may take effect before you receive the notice.You should forceable,the entire arbitration provision shall not remain in force. your rights. address;and always keep your total balance below the credit line.However,If No portion of this arbitration provision may be amended,severed In your letter,give us the following Information: •The purchase price must have been more than$50. the total balance goes ever your credd One you still must pay us. or waived absent a written agreement between you and us. •Your name and account number. These limitations do not apply If we own or operate the merchant, If your account has a credit balance,we may reduce the credit bal- •The dollar amount of the suspected error, or if we malted you the advertisement for the property or services. ance by any new charges on your account You may not maintain •Describe the error and explain,if you can,why you believe a credit balance in excess of your credit line. Governing Law and Enforcing our Rights there is an error.If you need more Information,describe the Checks.We may provide you with balance transfer checks.You Governing Lary.Federal law and the law of South Dakota, item you are unsure about. may use them to transfer a balance to your account or make other where we are located,gevem the terms and enforcement of this •Please sign your letter. 02M Mbaf*(SQ M rxaokel,NA. transactions.We may also provide you with cash convenience Agreement 80AWIT Fkos&oe name ?Re checks.You may use them to get a cash advance.Use of a cash 14 is 18 rn x W 00 convenience check will be a cash advance even N you use the new APR goes Into effect in the first billing period after the •We calculate the dally balance for each of your different •If a balance is subject to a daily periodic rate,we multiply the check to make a payment to another creditor.You may not use billing period in which the Prime Rate used to calculate the balances.To get a daily balance,we start with the balance as dally periodic rate by the number of days in the billing dad. balance transfer checks or cash convenience chess to pay en APR Is published.The new APR takes effect on the first day of the end of the previous day.We add arty periodic finance We then muhiply the result by the Balance Subject to F hence amount owed to us under this Agreement or any other Card of the billing period. charge on the previous day's balance.(This results in daily Charge.This includes new transactions.A daily periodic rate Agreement you have with us.We do not certify these checks or Default APR.All your APRs(including promotional APRs)on all compounding of finance charges.)We add any now charges. is the APR divided by 365. return any checks that have been paid. balances may automatically Increase to the default APR If you We then subtract a now credits or payments. •For each balance,to get the Balance Subject to Finance Billing Statement.Your billing statement shows the New Balance. default under any Card Agreement you have with us because you •We mulfipy each da balance by the d periodic rate that Charge,we take the beginning balance every day(which may This is the total amount you owe us on the StatemenUClosingg •die not make the minimum payment when due, applies to IL(A dally Deriodlc rate Is the APR divided by 365.) include unpaid finance charges from previous billing periods). Date.To determine the New Balance,we begin with the to"ta bat •go over the credit fine,or We do this far each day in the billing period.This glues us We add arty new charges.We then subtract any credits or ance at the start of the billing period.We add any purchases or •make a payment to us that is not honored. the daily periodic finance charges for each of your different payments credited as of that day,and make other adjustments. cash advances.We subtract any credits or payments.We then add The default APR equals the amount shown on the Fact Sheet.We balances. We treat a credit balance as a balance of zero.This gives Lis We any periodic finance charges or fees and make other adjustments. set your default APR by reviewing the seriousness of your default •We add up all the why periodic finance charges.The sum is the coil balance. Your billing statement also shows your transactions;the minimum with us and your credit history.The default APR takes effect as the total periodic finance charge for the billing period. •meent.We add a balancef transfer or cash nadvance ias of the amount due and payment due date;your credit line and cash of the first day f the billing period In which you default We may When we calculate drily balances,we std a purchase ra of the post Date on the billing statement a Post Date is the date y Safe Date an the billing statement We add a balance transferor advance limit and your periodic finance charges and fees. lower the APR for new pd Aurees ants that advances with you cash advance as of the Post Date on the bile statement. a we get a request to complete a balance transfer or cash con- We deliver a billing statement to only one address.You must notify meet the terms of all Card Agreements that you have with us for venience check.When you send a balance transfer or rash Customer Service of a change in address.We may stop sending six billing periods in a row.However,the default APR win continue Post Date Is the date we a request to complete a balance trans convenience check dire to someone,the Post Date is the you statements If we deem your account uncollectibie.We may to apply to your ehdsting balances until they are paid in fug,unless fen or cash convenience check check.din When you send a balance transfer date we receive the check for payment.)We add a transaction we tell you otherwise. or east convenience check directly y someone,the Post Date is also stop sending you statements t we send your account to an the date we receive the check for payment.)We add a transaction fee to the same balance as the transaction. outside agency or attorney for collection.Periodic finance charges Effect of APR Increases.If an APR increases,periodic finance fee to the same balance as the transaction.We subtract a payment Balance Subjed to Finance Charge.fie MoWly Calculation and fees continue to add up even it we stop sending statements. charges Increase.Your minimum payment may increase as well. or credit as of the degy it is credited to the account and then make Method.Your statement shows a balance Subject to Finance APRs Periodic Finance Charges Based on APRs other adjustments.lNa treat a credit balance as a balance of zero. Charge.it shows this for each different balance.We add up all the APRs Based an Prime.We calculate any APR based on the U.S. Periodic Finance Ckups.We impose periodic finance charges Balance Subject to Finance Charge.The Dally Calculation daily balances for the billing period.We then divide by the total Prlme Rate('Prime Rate")by adding the applicable amount shown when we appry APRs to your account balances.We do this for Method.Your statement shows a Balance SubW to Finance number of days in the billing period.The result is the Balance on the Fact Sheet to the Prime Rate.We use the Prime Rate pub- each of your-different Unces.These balances Include,for MGM- Charge.It shows this for each different balance.The Balance Sub- Subject to Finance Charge for that balance.For finance charge fished In The Wall Street Journal.If The Wall Street Journal does ple,standard purchases and standard rash advances.They also ject to Finance Charge Is the average of the dally balances during calculation purposes,a billing period begins on the Statement/ not publish the Prime Rate,we may substitute a similar published include different promotional balances.(When we calculate pert- billing ppeeriod.A billing period begins on the day after the Closing Date of the previous billing period.It does not Include the rate.We apply any change In an APR due to a change in the Prime odic finance charges,we treat a balance transfer as a standard StatemenUClosing Date of the previous billing period.it Includes Statement/Closing Date of the current billing period. Rate to any existing balances,subject to any promotional rate that purchase.But If a promotional rate applies,we treat the balance the Statement/Closing Date of the current billing period. Minimum Finance Charge.We charge a minimum FINANCE may apply. transfer as a promotional balance.) You can use your billing statement to calculate periodic finance CHARGE of 50 cards.We charge it ff the total periodic finance The Fact Sheet shows whether the Prime Rate for your account is When Periodic Finance Charges Begin.We begin to Impose charges.For each different balance multi py the Balance Subject charge is less than 50 cents.We add the addtbnal amount to any reviewed on a billing period,month end,or quarterly basis. periodic finance charges the first day we add a charge to a dally to Finance Charge by its daft'periodic rate.MuPoply that amount balance that is assessed a periodic finance charge. •If the Prime Rate is reviewed on a billing period basis,we balance.The charges we add to a daily balance include purchases, by the number of days In the billing period.The result is the total Transaction Fees use the Prime Rate published two business days before the balance transfers,and cash advances.They also include finance periodic finance charge on that balance.Rounding may cause a Transaction Fee for Balance Tmnslem.You make a balance StatementlClosing Safe.it the Prime Rate changes any APR, charges and fees.We continue to impose periodic finance charges small difference. transfer when you use a balance transfer check or contact us to we put the new APR into effect in the billing period for which until we credit your account with full payment of the total amount Calculation of Periodic Finance Charges.The Monthly Calcula- transfer a balance.If your account is subject to a transaction fee we calculate the APR.The new APR takes effect on the first you owe us. lion Melhod.The Fact Shoot shows the Calculation Method that for balance transfers,the Fact Sheet shows the amount of the fee. day of that billing period. Grace Period on Purchases.You can avoid periodic finance applies to your account.If it shows"Monthly"or"Dally(F)",the Transaction Fee for Cash Advances.You take a cash advance t •t the Prime Rate is reviewed on a month end basis,we use charges on purchases,brit not on balance transfers and cash Monthly Calculation Method applies.This method Is described you the Prime Rate published on the last business day of the advances.This is called a grace period on purchases.You can below. ma use l cash convenience or get get money through an auto- month.If the Prime Rate changes any APR,we put the new pqet a race period of at least 20 days ff you pay the Now Balance mated teller l In machine(ATM);al get money through home banking APR into effect in the billing period that begins In th e month in fullgby the due date a baling period.If you do not,you will With the Monthly Calculation Method,purchases are subject to or a financial Institution.You also take a cash advance if you make after the month In whlch'the Prime Rate used to calculate the not ge a grace period until you pay the New Balance in full for a monthly periodic rate.Cash advances are subject to a monthly a wire transfer,buy a money order,traveler's check,lottery ticket,. APR Is published.The new APR takes effect on the first day two bijfirg riots In a row.Certain balance transfer clans may periodic rate t the Fad Sheet shows"Monthly."The are subject caslno chip,or similar Item;or engage in a similar transaction.t A the billing period. take awe a grace period.C purchases.In bat n balance f the case,the to a dal periodic rate if the Fact Sheet shows"Daily your account is subject to a transaction fee for cash advances,the •If the Prime Rate is reviewed on a quarterly basis,we review y •If a balance Is subject to a monthly periodic rate,we multiply Fact Sheet shows the amount of the fee. it tour times a year.We use the Prime Rate published s we the balance transfer offer will describe what happens. the monthly periodic rate by the Balance Subject to Finance Transaction Fee for Foreign Purchases.ff your account has a fee third Tuesday of March,June,e the September,and December. Calculation of Periodic Finance Charges.The DallyCa/eolatlon Charge.This Includes now transactions.A monthly periodic for foreign purchases,the fact Sheet shows the amount of the fee. It the third Tuesday Is a holiday,we use the Prime Rate pub Method.The Fact Sheet shows the Calculation Method that aapppplles rate is the APR divided by 12. t also shows which of the following methods Is used to determine It the the next day.If the Prime Rate changes arty APR,the to your account.t lt shows"Daily"the Dally Calculation Method when the fee applies. applies.This method Is described below. 9 9 4 5 Credit Reporting Refusal of the Card,Closed Accounts, PROCEDURES ARE SIMPLER AND MORE LIMITiD)THAN COURT place chosen by the arbitration firm in the same city as the U.S. We may report Information about your account to credit bureaus. and Related Provisions PROCEDURES. District Court closest to your then current billing address,or at Late payments,missed payments,or other defaults on your Refusal of the Card.We do not guarantee approval of ban=- Agreement to Arbitrate:Either you or we may,without the other's some other place to which you and we agree in writing.You may account may be reflected in your credit report We may report bons.We are not liable for transactions that are not approved. consent,elect mandatory,binding arbitration for any claim, obtain copies of the current rules of each of the arbitration firms account information in your name and the names of authorized That Is true even if you have enough credit We may limit the dispute,or controversy between you and us(called'Claims'). and forms and Instructions for initiating an arbitration by contact- users.We may also obtain follow-up credit reports on you. number of transactions approved In one day.N we detect unusual Claims Covered ing them as follows: N you think we reported Incorrect information to a credit bureau, or suspicious activity,we may suspend your credit privileges. What Claims are subject to arbitration?Ali Claims relating to American Arbitration Association write us at the Customer Service address on the billing statement Preaethorized Charges.We may suspend any automatic or other your account,a prior related account,or our relationship are 1633 Broadway,HoorlO We will Investigate the matter.We will then tell you N we agree preauthodzed card charges u arrange with a third arty.We may subject to arbitration,Including Claims New York,NY 10019 or disagree with you.If we agree with u,we will contact each fen A regarding the this application, 8 Y A Yo do this d you default;N the card is lost or stolen;or we change enforceability,or Into rotation of this Agreement and this arbi- Web site:www.adrorg credit bureau to which we reported and request a correction.If we your account for any reason.N we do this,you are responsible for tration provision.All Calms are subject to arbitration,no matter National Arbitration Forum disagree with you,we will tell you that paying the third party directly N you wish to do so.You are also what legal theory they are based on or what remedy(damages, P.O.Box 50191 Information Sharing responsible for reinstating the preauthorized charges N you wish or injunctive or declaratory relief)they seek.This includes Claims Minneapolis,MN 55405 You authorize us to share information about you as permitted to o so and we permit it. based on contract,tort(including intentional tort),fraud,agency, Web site:wwwarbltradon-forum.com by law.This includes information we get from you and others.It Lost or Stolen Cards,Account Numbers,or Cash Convenience your or our negligence,statutory or regulatory provisions,or At any time you or we may ask an appropriate court to compel also includes Information about your transactions with us.Please and Balance Tnrsfer Checks.You must call us it any card, any other sources of law;Claims made as counterclalms,cross- arbitration of Claims,or to stay the I'digaUon of Claims pending see our Privacy Notice for details about our information sharing account number,or check is lost or stolen.You must also call us claims,third-party claims,interplcaders or otherwise;and Claims arbitration,even If such Claims are part of a lawsuit,unless a trial practices. if you think someone used or may use them without permission. made independently or with other claims.A party who initiates has begun or a final judgment has been entered.Even if a parry When you call,we may require you to provide information to help a proceeding in court may elect arbitration with respect to any falls to exercise these rights at a Changes to this Agreement our imresti on.WB may require you to provide this information Claim advanced in that proceeding by any other parry.Claims C any Particular time,or i cornet We may change the rates,fees,and terns of this Agreement in writing. exam e,we m ask u to ides a dna as and remedies sought as tion with arty particular n con that party can slit require arbl A ng.Fo may you dry rg g part of a class action,private attorney tration at a later time or in connection with any other Gaims. at any time for any reason.These reasons may be based on that were not made gy you or someone authorized by you.We general or other representative action are subject to arbitration What procedures and law are applicable f arbffreUon?A single, Information in your credit report or general market conditions. may also ask you to confirm that you received no benefit from on an individual(non-dass,non-representative)basis,and the neutral arbitrate will n resolve Claims.The arbitrator will be sing Any changes we make may add,replace,or remove provisions those charges. arbitrator may award relief only on an individual(non-class,non of this Agreement.They may also ckaele your rights and obit- Closing Yoer Account.You may close your account by notifying representative)basis. a lawyer with at least ten years experience or a retired or former gatians under Ills Agreement as well as ours.These changes us in writing or over the phone.N you close your account,you Whom Claims are subject to arbitration?Not only ours and me arbitration will follloww medures anderul s off the arbitration arbitration are binding on you unless you have the right to opt out and you must still repay the total balance in accordance with this Agree- yours,but also Claims made by or against anyone connected with firm in effect on the date the arbitration is filed unless those pro- choose to opt out by following our instructions. meat.We may also close your account or suspend account us or you or claiming through us or you,such as a co-applicant or cedures and rules are inconsistent with this Agreement,in which Yon will frame a right to apt out If the flange will cause a rate or prMleges at any time for any reason.We may do this without authorized user of your account,an employe,agent,represent@- case this Agreement will prevail.Those procedures and rules may tee to Increase.In that case,we will malt you advance written prior notice to you.We may also reissue a different card at any five,affiliated company,predecessor or successor,heir,assiprae, limit the discovery available to you or us.The arbitrator will take notice of the charge.We will do this at least 15 days before the time.You must return any card to us upon request or trustee In bankruptcy. reasonable steps to pprated customer account information and beginning of the billing cycle in which the change takes effect. secured Aeeoords.The Fact Sheet shows N your account is a What time frame applies to Claims subject to arbitration?Claims other confidential informatlon N requested to do so by you or us. If you do not agree to the change,you can opt out by contacting secured account If ft is,you gave us a security interest in a Certif- arising in the past,present,or future,including Claims arising The arbitrator will appry applicable substantive law consistent with us.You mud do Ibis within 25 days of One effective date of the icate of Deposit This secures reppaayymment of your account If you before the opening of your account are subject to arbitration. the FAA and applicablhe__statutes of limitations,will honor claims of change.if you apt out,you can pay the lalance under the old withdraw your funds from the Certificate of Deposit,we will dose Broadest Interpretation.Any questions about whether Claims privilege recognized at law,and will have the power to award to a rates,fees,and terms.II a use the card after the effective date are subject to shall be resolved Interpreting this ply any damages or other relief provided for under applicable your akx�uutt of a clangs,you will be emend to have accepted the flange. by rP g P pp This applies even If the 25 day opt out period has not expired. arbitration pprovison In the broadest way the law will allow it to law.You or we choose to have a hearing and be represented The Fad Sheet shows whether your account is subject to arbi- be enforced.This arbitration provision is governed by the Federal by counsel.The arbitrator will make any award in writing and,N Defauft tration.N it is,the following'Arbitration"provision is a part of Arbitration Act(the"FAA'). requested by you or us,will provide a brief statement of the rea- You default under this Agreement N you fail to pay the Minimum this Agreement What about Claims flied in Small Claims Court?Claims filed in sons for the award.An award in arbitration shall determine the Amount Due by its due date;go over your credit line;pay by a a small claims court are not subject to arbitration,so long as the rights and obligations between the named parties onty,and only check or similar instrument that is not honored or that we must In respect of the Claims In arbitration,and shall not have any ARBITRATION natter remains in such court and advances Dory an hndNlduai return because it cannot be processed;pay by automatic debit that baring on the rights and obligations of any other person,or on Is returned unpaid;file for bankru pLENfMTHtSPR0IR3/ONOFTNEA6REfMfN1 CARE (non lass,nontepreentative)Claim. p tcy;or default under arty other FULLY.R PROVIDES THAT ANY DISPUTE MAY BE RESOLVED the resolution of any other dispute. Card Agreement that you have with its N you default we may close How Arbitration Works Who ?Vyhoever files the arbitration a your account and demand Immediate ppayment of the total balance Tp BO TO COURT,INCLUDlt16 THARBITRATION lti TO A JURY AND ton Now does a parry IniOate arbitration?The party filing an arbNra- N we file,we pay;N you ilia,you pay,unless the initial a f el waiver If you pave us a security interest in a Certificate of Deposit we THE piggy TO PARTICIPATE IN A CLASS ACTION OR SIMILAR bon must choose one of the following two arbitration firms and under the applicable rules ct the arbitration fr m.If you have paid may use the deposit amount to pay any amount you own. THE PROCEEDING.HT T IN ARBITRATION,A DISPUTE IS N OR SIMILAR BY follow its rules and procedures for initiating and pursuing an arbF the Initial fling fee and you prevail,we will reimburse you for that AN ARBITRATOR INSTEAD OF A JUDOS OR JURY ARBITRATION tration American Arbitration Association or National Arbitration fee.N there!s a hearing we will pay arty fees of the arbitrator and Forum.Any arbitration hearing that you attend will be held at a arbitration firm for the first day of that hearing.All other fees will 10 11 12 13 Melhod� checks it the amount of the check would cause the balance to Payments We add$5 to the calculation of the Minimum Amount Due U the We add a fee for each purchase made In a foreign currency.The ggo over the cash advance limit or credit line.We may also not Minimum Amount Due.You must pay at least the Minimum following two things are true.First,no annual percentage rate fee Is a percentage of the U.S.dollar amount of the purchase. honor these checks if you default;h you did not comply with our Amount Due by the payment due date each billing eriod.The Imposed on your account exceeds 19.99%.Second,the largest Melded B Instructions regarding the check ii your account has been dosed; sooner you pay the New Balance,the less you will pay In periodic of the above calculations is the amount of your billed finance We add a fee for each purchase made outside the U.S.,whether or for other reasons.We add this fee to the standard advance finance charges.The Fact Sheet shows which of the following charges. made In U.S.dollars or In a foreign currency.The fee is a percent- balance.If your account has this fee,the Fact Sheet shows the minimum payment calculation methods applies to your account However,the Minimum Amount Due Is never more than the New age of the U.S.dollar amount of the purchase. amount of the fee. Coloelatien Method A Balance.When we calculate the Minimum Amours Due,we may Transaction Fees and APRs.When first added to a balance,a Stopp Payment an Cash Convenience Cheek Fee.We may add a You must pa a minimum amount each billing period.That amount subtract from the New Balance certain fees added to your account transaction fee causes the APR an the statement to exceed the fee fl we honor your request to stop payment on a cash conven- Is the total of two figures.The first Is the sum of any past due during the billing period. nominal APR. lance check.If your account has this fee,the Fact Sheet shows the amount plus a amount In excess of your credit line.The second Calculation Method B Other Fees amount of the tee.To stop payment on a cash convenience check is the greater o7 the the amount of your billed finance charges or the To calculate the Minimum Amount Due,we begin with any past Lela Fee.We may add a late fee for each billing period you do not write us at P.O.Box 6500,Sioux falls,South Dakota 57117.You can amount that appears on the Fact Sheet.When we calculate the due amount We then add any amount in excess of your credit A also call the Customer Service number on the bfllinq statement. Minimum Amount Due,we may subtract from the New Balance line.We also add the largest of the following: pay the Minimum Amount Due(less the Amount Over Credit Line If you call,you must confirm the call In writing within 14 days.A certain fees added to your amount during the billing period. •The New Balance on the billing statement 0 it is less than shown on your billing statement)by the payment due date.We written stop payment order is good for 6 months unless renewed Celt,'efedoo Method B $20; add this fee to the standard punt ase balance.If your account has in writing.We add this fee to the standard advance balance. To calculate the Minimum Amount Due,we begin with arty past •$20 it the New Balance is at least$20; this fee,the Fact Sheet shows the amount of the fee. •1%of the New Balance the result Is rounded down to the OveMhe-the -Line fee.If your account has an over-the-credit Information on Foreign Currency Conversion due amount Second,we add any amount in excess of your credit line fee,the Fact Sheet shows the amount of the fee.it also shows Our network providers are MasterCard,Visa,and American line.Third,we add$5 if any annual percentage rate Imposed on nearest dollar)plus the amount of your billed finance charges which of the following methods Is used to determine when the tee 1 Express.They convert transactions in foreign currencies into U.S. your account exceeds 19.99%.Fourth,we add the largest of the •and any applicable tote fee;or A dollars.The type of card you have determines who does the coo- following: 1.5%of the New Balance(the result is rounded down to the applies. version.Each network provider follows its own procedures.Each •The amount of your biped finance charges; nearest dollar). We add a fee to the standard purchase balance for each billing network providers current procedures are described below.The •The New Balance on the billing statement If it is less than However,the Minimum Amount Due never exceeds the New period that the New Balance goes over your credit line.We add procedures may change from time to time without notice. $20; Balance. this fee even a we authorize the transaction that causes the New MasterCard uses a conversion rate in effect one day before its •320 f the New Balance Is at least$20 and not greater than In calculating the Minimum Amount Due,we may subtract from Balance to exceed your credo Ilse. transaction processing date.It uses a government-mandated $960;or the New Balance certain fees added to your account during the rate if required to do so.If not,it uses a wholesale market •1/48 of the New Balance(the result Is rounded down to the billing period. Method B rate. nearest dollar)If the New Balance exceeds$960. Application of Payments.We apply your payments and credits to We add a fee If your account balance goes over your credit line at •Visa uses a conversion rate In effect on its applicable central We add$5 to the calculation of the Minimum Amount Due if the low APR balances first.You cannot pay off higher APR balances any time during the billing period.We add this fee even it trans- processing date.it uses a government-mandated rate if following two things are true.First,no annual percentage rate until you pay off lower APR balances.That means your savings on actions we authorize are a reason the account balance goes over required to do so.If not it selects from the"a of rates Imposed on your account exceeds 19.99%.Second,the largest low APR balances will be reduced by purchases or cash advances your credit line.We add this fee even If periodic finance charges, available in wholesale currency markets.The selected rate of the above calculations is the amount of your billed finance that have higher APRs. fees,or other charges you Incur are a reason the account balance may vary from the rate Visa receives. charges. Payment InthueDons.We credit your payments in accordance goes over your credit line.We add this fee even If the account bal- •American Express uses any conversion rate required by However,the Minimum Amount Due Is never more than the Now with our payment Instructions on the b 111 Ina statement You must once falls below your credit line by the end of the billing period. applicable law.If there Is none,it uses the highest interbank Balance.When we calculate the Minimum Amount Due,we may pay us in U.S.dollars.To do so,you must use a check,similar We add this fee to the standard purchase balance. rate h selects on the business day before the day it processes subtract from the New Balance certain fees added to your account Instrument,or automatic debit that is drawn on and honored by a Annual Membership Fee.If an annual membership fee applies, the transaction. during the billing period. bank in the U.S.Do not send cash.We can accept late or partial the Fact Sheet shows it We will refund this fee 9 you notify us A third party may convert a transaction into U.S.dollars or another Calculation Method C payments,or payments that reflect"paid In full"or other restrictive that you are closing your account within 30 days of the mailing or currency before sending It to our network provider.in these cases, To calculate the Minimum Amount Due,we begin with any past endorsements,without losing our rights.We also reserve the right delivery data of the statement on which the fee appears.The fee the third party selects the conversion rate. due amount Second,we add any amount in excess of your credit to accept payments made in foreign currency and Instruments Is otherwise non-refundable.If this fee applies,we add it to the If you take a cash advance In a foreign currency at a branch or line.Third,we add$5 If any annual percentage rate Imposed on drawn on funds on deposit outside the U.S.It we do,we select standard purchase balance. A,M of one of our affiliates,an offlllate of ours will convert it Into your account exceeds 19.99%.Fourth,we add the largest of the the currency conversion rate.We will then c redft your account In Retumed Payment Fee.We may add a fee If a payment check or U.S.dollars.This applies regardless of which network providers following: U.S.dollars after deducting any costs Incurred in processing your similar Instrument Is not honored or Is returned because it cannot card you use to take the cash advance.Our affiliate currently •The amount of your billed finance charges plus any applicable payment.Or we may bill you separately for these costs. be processed.We may also add this fee If an automatic debit is uses a conversion rate in effect on Its processing date.it uses a late fee; Optional Pay by Phone Service.You may use our optional Pay by returned unpaid.We assess this too the first time your check or government-mandated rate If required to do so. f not,it uses a •The New Balance an the billing statement If it Is less than Phone Service to make your payment by phone.To do so,call us Vey Is not honored,even if it is honored upon resubmission. mld-point market rate.Our affillates procedure may change from $20; to request the service.Each time you do,you agree to us the We add this fee to the standard purchase balance.If your account time to time without notice. •$20 if the New Balance Is at least$20 and not greater than amount shown in the Pay by Phone section on the back of the has this fee,the Fact Sheet shows the amount of the fee. The conversion rate you get is the one used on the transactions $960;or billing statement Our representatives are trained to tell you this Returned Cash Convenience Check Fee.We may add a fee if we processing date.This may be different from the one in effect on •1/48 of the New Balance(the result is rounded down to the amount whenever you call to use the service. do not honor a cash convenience check.We may not honor these the transacban's Sate Date or Post Date. nearest dollar)if the New Balance exceeds$960. e 7 e a Burton Neil &Associates, P.C. By: Neil Sarker, Esquire ID.NO. 203465 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK,N.A. IN THE COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA V. NO. 12-2565 CIVIL BARBARA J MINNICK Defendant CIVIL ACTION - LAW Certificate of Service I,Neil Sarker, Esquire do hereby certify that I served a true and correct copy of the within Motion for Summary Judgment, Praecipe for Argument, and proposed Order on pro se defendant, Barbara J Minnick at her address of record via first class mail,postage prepaid on the date set forth below. Burton Neil &Associates, P.C. Date: j IO By. Nei Sar er, Esquire Attorney for Plaintiff This is an attempt to collect a debt, and any information obtained will be used for that purpose. This communication is from a debt collector. C-38136 Praecipe for Listing Case for Argument (Must be typewritten and submitted in duplicate) c� TO THE PROTHONOTARY OF CUMBERLAND COUNTY: rn fir- CD Please list the within matter for the next Argument Court. y� CITIBANK,N.A. Plaintiff V., BARBARA J MINNICK Defendant NO. 12-2565 CIVIL I. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to complaint, etc.): Motion for Summary Judgment 2. Identify counsel who will argue case: (a) for plaintiff: Neil Sarker, Esquire c/o Burton Neil& Associates,P.C. address: 1060 Andrew Drive, Suite 170, West Chester, PA 19380 b) for defendant: Barbara J Minnick address: 1915 Spring Road CARLISLE, PA 17013-1170 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: June 21, 2013 C� Neil Sarker, Esquire Attorney for the Plaintiff This is an attempt to collect a debt, and any information obtained will be used for that purpose. This communication is from a debt collector. .r b 4 U ire 7 HE F'.E:?D rtjoN o 2013 11A Y 2 pt, 1: 4 Q CUMBERL4ND COUNTY PENNSYLVANIA Burton Neil &Associates, P.C. By: Brit J. Suttell, Esquire ID. NO. 204140 1060 Andrew Drive, Suite 170 West Chester,PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK,-N.A. : IN THE COURT OF COMMON PLEAS Plaintiff V. CUMBERLAND COUNTY, PENNSYLVANIA NO. 12-2565 CIVIL BARBARA J MINNICK Defendant : CIVIL ACTION -LAW Certificate of Service I,Brit J. Suttell, Esquire do hereby certify that I served a true and correct copy of the within Brief on pro se defendant, Barbara J Minnick, at her address of record via first class mail, postage prepaid on the date set forth below. Burton Neil &Asso iates,P.C. Date: G ` 2 BYA / Brit J Suttell, Es re Attorney for Plaintiff This is an attempt to collect a debt, and any information obtained will be used for that purpose. This communication is from a debt collector. C-38136 I * C -31s'i (e) s r 19°1 CITIBANK,N.A. : IN THE COURT OF COMMON PLEAS I Plaintiff : CUMBERLAND COUNTY,PENNSYLVANIA v. : NO. 12-2565 BARBARA J. MINNICK Defendant : CIVIL ACTION-LAW Order AND NOW,this 'lam day of ,,)‘/Lit.( , 2013,plaintiff's motion for summary judgment is GRANTED. It is hereby ORDERED that judgment is entered for plaintiff; Citibank,N.A., and against defendant, Barbara J. Minnick, in the sum of$20,814.45,plus the costs of this action. BY THE COURT: ( _ 71/1--6(e-AL, 47")e-ek -0= ``, ,, zr c `�'F= curer- n.s 7 ..<v _ C., Z Dc i _41-,-) -fir. .......1 ft) i Distribution List: it Sarker, Esq. 1060 Andrew Drive Suite 170 West Chester, PA 19380 Attorney for Plaintiff rbara J. Minick 1915 Spring Road Carlisle, PA 17013 Defendant, pro Se Corks 11?_. -ticcL, 10/x03 IC 20113JUI 10 PEERLAtdp COJUNTI�' NNS YL VA N/A Button Neil&Associates,P.C. By: Neil Sarker,Esquire ID.NO. 203465 1060 Andrew Drive, Suite 170 West Chester,PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK,N.A. IN THE COURT OF COMMON PLEAS Plaintiff V. CUMBERLAND COUNTY,PENNSYLVANIA BARBARA J.MINNICK NO. 12-2565 CIVIL Defendant CIVIL ACTION-LAW Praecipe for Entry of Judgment on Court Order To the Prothonotary: Enter judgment on behalf of the plaintiff, CITIBANK, N.A., and against the defendant, BARBARA J. MINNICK,as per the Court's Order dated June 21,2013,and assess damages in the sum of$20,814.45,plus the costs of this action. BURTON NEIL&A CIATES, P.C. By:7:; a.\fi\\#:Sb-N Neil Sarker, Esquire Cy– le Attorney for Plaintiff AND NOW,this day of 20/3judgment is entered on behalf of the plaintiff, CITIBANK,N.A.,and against the defendant, BARBARA J. MINNICK, in the sum of$20,814.45,plus costs. Prothonot of er rounty Dep5ty- This is an attempt to collect a debt, and any information obtained will be used for that purpose. This communication is from a debt collector. C-38136/221 CITIBANK,N.A. : IN THE COURT Or COMMON PLEAS r Plaintiff. CUMBERLAND COUNTY, PENNSYLVANIA V. : NO. 12-2565 BARBARA J. MINNICK Defendant . CIVIL ACTION-LAW Order AND NOW,this Pl day of .,Ix to ,2013,plaintiffs motion for summary judgment is GRANTED. It is hereby ORDERED that judgment is entered for plaintiff, ' Citibank,N.A.,and against defendant, Barbara J. Minnick, in the sum of$20,814.45,plus the costs of this action. BY THE COURT: J., C3 r` 3 DC CD C Burton Neil &Associates, P.C. By: Neil Sarker, Esquire ID.NO. 203465 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK,N.A. IN THE COURT OF COMMON PLEAS 701 East 60th Street N Sioux Falls, SD 57117 Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA V. BARBARA J. MINNICK NO. 12-2565 CIVIL 1915 Spring Road Carlisle, PA 17013-1170 Defendant : CIVIL ACTION-LAW Certification of Address and Affidavit of Non-Military Understanding that false statements herein are subject to penalty under 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities, I verify that: 1. The above are the precise last-known addresses of the judgment creditor and debtor. 2. Pursuant to Section 201(b)(1)(A)of the Servicemembers Civil Relief Act of 2003 (SCRA) the defendant is not in the military service of the United States based on information received from the defendant and/or the Department of Defense website. BURTON NEIL&ASSO ATES, P.C. By: Neil Sarker, Esquire Attorney for Plaintiff This is an attempt to collect a debt, and any information obtained will be used for that purpose. This communication is from a debt collector. Burton Neil & Associates, P.C. By: Neil Sarker, Esquire ID. NO. 203465 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK,N.A. IN THE COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY,PENNSYLVANIA V. NO. 12-2565 CIVIL BARBARA J. MINNICK Defendant : CIVIL ACTION - LAW Rule of Civil Procedure No. 236 (Revised) Notice is given that a JUDGMENT in the above captioned matter has been entered against you on Prothonbry of bd County Deputy If you have any questions concerning the above, please contact: Neil Sarker, Esquire Attorney for Parry Filing 1060 Andrew Drive, Suite 170 West Chester, PA 19380 Phone: 610-696-2120 This is an attempt to collect a debt, and any information obtained will be used for that purpose. This communication is from a debt collector.