The URL can be used to link to this page

Home My WebLink About12-2978IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. 999 VANDERBILT BEACH RD SUITE 607 NAPLES FL 34108 vs. CAROL JHUNTOON 6765 MOLLY PITCHER HWY SHIPPENSBURG PA 17257-9576 Defendant CIVIL ACTION NO: /,R - o 7S " Fri ,. C + ! ' - 7 " ? 0 -= oiv?*( lerp- NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice to Defend are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT REDUCED FEE OR NO FEE. MIDPENN LEGAL SERVICES 401 EAST LOUTHER STREET CARLISLE, PA 17013 717-243-9400 Plaintiff 6) 11)s,.75 ion AT?1 C7y Q&13 ,? a 7s131 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. 999 VANDERBILT BEACH RD SUITE 607 NAPLES FL 34108 vs. CIVIL ACTION Plaintiff NO: CAROLJHUNTOON 6765 MOLLY PITCHER HWY SHIPPENSBURG PA 17257-9576 Defendant COMPLAINT Plaintiff, FIA CARD SERVICES, N.A. , by and through its attorneys, Edwin A. Abrahamseri & Associates, P.C., complains of the Defendant as follows: I . Plaintiff, FIA CARD SERVICES, N.A. , (hereinafter "Plaintiff") is a corporation with a principal place of business located at 999 VANDERBILT BEACH RD SUITE 607 NAPLES FL 34108. 2. The Defendant CAROL J HUNTOON (hereinafter "Defendant") is an adult individual residing at 6765 MOLLY PITCHER HWY SHIPPENSBURG PA 17257-9576. 3. At all relevant times herein, Plaintiff was engaged in the business of debt purchase and collection. 4. Defendant applied for and received a credit card issued by FIA Card Services, N.A. with the account number ending in 7583. 5. Use of the FIA Card Services, N.A. credit card was subject to the terms and considerations of the Cardmember Agreement (hereinafter "Agreement"), a copy of which was sent to the Defendant along with the credit card. 6. Defendant used the FIA Card Services, N.A. credit card account number ending in 7583, for purchases, cash advances and/or balance transfers. 7. The Defendant was mailed account statements relative to the Defendant's use of the subject credit card. (See, attached hereto as Exhibit "A.") 8. The Defendant defaulted under the terms of the Agreement by failing and refusing to make monthly payments on the account as they became due. (See, Cardmember Agreement attached hereto as Exhibit "B.") ?3. The Defendant last made payment on February 10, 2011. 10. The total amount due and owing the Plaintiff including interest, is $17,048.03. WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of $17,048.03 plus costs of suit and any other relief as the Court deems just and appropriate. ly GAmranamsen Micha F. Ratchford, ,si Attorney I.D. Nos.: 8 285 120 North Keyser e. Scranton, PA 1850 mratchford@eaa-1 com Phone: 570-558-5510 Fax: 570-558-5511 VERIFICATION I, Michael F. Ratchford, attorney for Plaintiff, FIA CARD SERVICES. N.A. , am fully familiar with the facts set forth in the within Complaint and am authorized to make till s Verification on behalf of Plaintiff. I Verify that the facts set forth in the within allegations are true and correct to the best of my knowledge, knowing that any false statements are punishable by law pursuant to 18 C.S.A. 4904. EXHIBIT A WorldPoints Bank of America CAROL J H UNTOON Account Number: 4313 0704 7768 7583 January 16 - February 15, 2011 Account Information: www.bankofamerica oom Mail billing inquiries to: Bank of America P.O. Box 15026 Wilmington, DE 1.9850-5028 Mail payments to: Bank of America P.O. Box 15019 Wilmington, DE 10W.5019 Customer servioe: 1800,4212t10 New Balance Total ...................................................................$15,348.79 Current Payment Due ....................................................................$325.00 Previous Balance ..................... .$15,343.46 Payments and Other Credits ....... .......-320.00 Purchases and Adjustments ................151.17 Fees Charged .................................... ................0.00 Interest Charged ..........................................174.16 (1.8003463178 TM Total Minimum Payment Due ..........................................................$325.00 Payment Due Date ........................................................................3/14/11 Late Payment Warning: If we do not receive your Total Minimum Payment by the date listed above, you may have to pay a late fee of up to $3500. Total Minimum Payment Warning. If you make only the Total Minimum Payment each period, you will pay more in interest and it will take you longer to pay off your balanwce. For example: New Balance Total ......................$15,348.79 Credit Line ..................................$15,500.00 Credit Available ................................$151.21 Statement Closing Date ...................2/15/11 Days in Billing Cycle ..................................31 rranaacbon Abode Relenw?ce Account Date Date Desapb n Number Number Amount roil Payments and Other Credits 02/10 BA ELECTRONIC PAYMENT -320,00 -$320.00 Purchases and Adjustments 01/17 01/19 NORLAND AVENUE PHARMAC CHAMBERSBURG PA 0052 7583 49.95 01/20 01/21 GIANT FOOD #052 CHAMBERSBURG PA 000006 4242 75x3 61.22 oondnued on next pope... 14 015348790003250000032000000431 3070477687583 BANK OF AMERICA Account Number. 4313 0704 7768 7583 P.O. BOX 15019 WILMINGTON, DE 19686-5019 New Balance Total $15,348.79 ........................................................ Total Minimum Payment Due .................................................325.00 Payment Due Date ...................................................03/14/11 CAROLJ HUNTOON Enter payment amount $ 6765 MOLLY PITCHER HWY SHIPPENSBURG PA 17257-576 Check here fora Martge, ofmwlegaddess orphone numbers. lease proKde ell carec3ons on the rumme side. Mal this coupon alone with your ohsdc payable m: Bank of America 1:5240 22 2501: 094004??68758311' If you would like information about credit counseling services, call 14WY6-3005238_ IMPORTANT INFORMATION ABOUT THIS ACCOUNT CUSTOMER TIPS FOR DISPUTED ITEMS klanytirrte=ch puterir,hargev rile,itrmatechargesthatcustomersmaynni•recog-nize nr rernemner Hefnredi>piltin,;,rharge, we rerommend that yon verilya few• things and Make errs effort to re-SOlve tho r isPntewith the inn rchant Often the merchant can answer.yonr questions and e.tsil_v resolve your dispute. The meirha nt'.s phone number map be }u<ater. vii yntu receipt or biliirrg statemeii • Has a credit posted to your account? Please allow up to 30 days fi•nm the date on your credit voucher or aek;i0wledgement letlec fur the merd"it coedit to post. • Is the charge or amount unfamiliar? Check with other persons authurizcd to use the account to Make Sure they did not nnake,.hecharge. ll. is possible Ihal Ilse merchants billing narnes and =uvc nouns at a diffcrold or amounts man easilvbc confusedwith similar chartc? or inchidt, tip"'. ( Irva w3F tz) otic-ek for the credits or in view t.raneaction details is to Ionk at yonr u court st,,•teuients maline. If you arenot eurotled in Online Banking. it is easy to cnrotl s.n5 the iveh 3.idres?5 c,n the front ofyour statement or give usa call Please remember: Once you receive your statement with a transaction ytrv n ish to di spore, you only have 60 dayR to di Rpute the charge. GRACE PERIOD/PAYING INTEREST "Grace Pe clod" means Lire pe rind of tune during a billing cydc. wl:lcrl yu U Will nut a-CUMC intR•re_t Ou M LaM tr,tasactioasor l ,.tlaocea. There i9 no Urac:e Period for Balance: TrausfersorCash ldtauces;webegin char irtgintyreslonBal:wceTr'ansfersandCash Advancesonthe trausactiondate. We will notcharge interest on Purchaseson the nevi. statement if iron Pay the dew Balanm'€utal in final by the Parnnent Ihze fate, anti y'm had pa id in Rrllby t.he, previous P%yrnenr Doe Date. CALCULATION OF BALANCES SUBJECT TO INTEREST RATE -Average Balance Method (including new BalanceTransfermsnd new Cash Advances): We ca.lculate::+eparate Balances Subject to a n Inters: t Itatc for Balance Transfers, Cash :)&iuruca, and for each Pnuuot.ioualOffer balance cum istingof Balance Transfers or Cash Ad"atlco . 0.•-e do this icy: (1) calculating <t daily balance for each day iu thi4 sutlemeni's billing cycle; (2) calculating a daily balance for each day prior to this ,-uuement's billing cycle that had a, "Pre-Cycle h. ,datice" -a Pre-Cycle balance is a Balance Transferor a Cash Advance with a transaction date prior to this statements bdlhif lysine but with a posting date within this atatearient.'s hilling cycle; (3) adding all the daily b:a la noes ioyet her; a nd !4) die i cling the se. m of the daily ba lances by the nu m her of days in this Statement'; billing cycle. To calculate the daily 1)alancr fur cae:h day in this statements billing cycle.,we take the be i;,hutng balance. add an aanou nt r,gtml to the applicable Daily Periodic Bate in ultiplied Ly the previous daffy s daily balance, told new Balancu Tra nsfurs, new C"AlAdvarices arid Transaction Fees, and sub tract appicabla paynrcuta and credits. II any dal v batl<utce iz:, less than zero a-e treat it as zero. To ca)caUte a daily balance for each clay prior to this statement: s billing cycle that had a Pre-t.ycle halance, we take the heonni rig halance attributable solely to Pre-C.ycle halance (which will he zero en the transaction date; of the first Pre-(?cte balancel, add an amount equal tothe applieahip IM ily Periodic FLve mnltiplied by the. prPVimrS day daily I-LIlanep, and a d;l only the, applicable Pre-t ycle balances, a ml their related 'I'ransartion Fees. We exclude From !his calculation 311 transactions pound in prt.-vinuR hiding cycles. Average Daily Bndance il3ethcxl (including new Purchsse l: We calculate separate balances uhjcct to an Interest [late for l urehases rind for each Promotiom±tOffer halaucc,c:onaisiing4purchaacs.a4'edothis fly: (1)calcnlatinga tinily balance fur each day in the billin, cycle; {'2l adding all the daily ballanu s ttl,ether; and 0 dividing'' the su to of the duiLv balances by the nuurber of day's in the hilling cycle. To cadctil:rte the daily balance for each day in tliis Aatenient'? billiug cycle, we take the be,ziruring balance, atld an amount equal to the applicable Daily Periodic Rate mu} tiplied by the previous day's claity balance, .old new Purchases, new Accotuzt Fees, and new Transaction Fees, and snhtrae[ applicable payinents and credits. ifam daily halance is PAYMENTS \)'e credit ma iled paynnents as oft he date received, if the payment i s: (1) rereired by > mn.local timrattheaddreashownontheremittarice slip rmthefrnntnfyourmonthly statement; ('.) paid with a check drawn in-U.S. dollars on a IT S. financial itustitation or a U.S. dollar nioney order; and M sent in the return envelope with only the re.mittmce portion of your st"iternerd a, co,npanying it. Payments received by uuul after 5 Emit. local time al the rctnit-ta.ncc add ress un a 1y rise including sale FayurUrtt- Due Date, but Lbat utherwisc meet the as?xrrc: _cyuiremunts. will be creditedas ofthe next day. Paymonts ma dc: online or by phone n?Il be credited as of th c taste of ru.cipt if mad;; by 5 p.nt. Ctntraal time., Credit for anyotherpayrne:ntsmayhede,l»yeduptnfivedaya. Nn p, y"ient sha.l l nperate as an arcord a nd satisfa rti on withoot the. prior written approval of one of ntrr.5eninr Of teer:s. We process most .paymentchecks electror&alty by using the information found ou Four check. Each check authorizes us to create a one-time electronic funds transfer (or prur;ess it. as a chc-t?k orpaper draftl. FuUds maji be withdrawn fro.tnyouraccount as soon as the same day we receive your payment. Checks are not returned to you. For inure information or ter top the cledrmicfunds transfcm, gill us tut the number listed on the front. If you have au t.hor ize l us to nayyour credit card hill autnmatica fly from your savings or checking acmunt with u,,you can Stop the paymenton anyammuntyrnn think i; wrong. To stop payment, your letter mast re,sch u s at least three husine s days before the automatic p t;ment is =chedoled to ocettr. USE611 Rev_ 08/10 ONL7NF Online Bankui,, i? availably 24 hours e day, "+ days tt week and snows YOU tc view t-1,,. most recent activity on your aremmt. PHONE LF3M266.0212 Forprompt service; phase hai e. the merchant referexuce mzmberC available for the charge] sj in question. MAIL Attn: Billing Inquiries PO Box 15026, Warraington, DE 19850-5026 Wberr wri tin;*, Please include Your Name, Account Number, the ® refere,nu number ofthe disputed itcrrr xnd s?zczrfit, details rcguriling your dispute, includingdar,.,Rofc:unta twiththemerchantAndthe merchant's response in ea c h instance. Please include al I aupporiinr; documentation, inetnding gales and erect it touchers, ronh ac:t a lid postage return re: eipis u.s print of anvreturns. leas than zero iw treat it eta zuru. kVe include the fcos for credit curd debt canc:cliation or credit insurance p urchasutl tluvugh us in ullculatin; the t eginrring balance for the fist day of (he billing cycle after the billing cycle in which ;Lich fee, are billed. TOTAL INTEREST CHARGE COMPUTATION I nterestCharges acxnrr and rtre compnnnded nn a daily hasi,;i. To determine the InterestChni„ es wemultiplye.;trh Balance fiubjert,to Interest Bate hyit>applicahle Dolls Periodic 1Gitea.ndthat result bythe. nurntR:rofdaysin the billing rrcle..To determine the total lntcrest Charge for the billing cycle.. we ;old the Periodic. Rata Interest Chaxgr a tugrthcr. A Daily Fcriod,c Rat: is calculated by dividing an Annual Fcrcenragc Rate I f(i3. HOW WE ALLOCATE YOUR PAYMENTS Ifyuur aceourit has ta<dan(:es with different APRs, we will allocate the amount of your payment equal to theTot• Minimum Payment Duetothelowest APRbalwcesfir-t ( ncludingtransactions made Iter this statement). Payaneat amounts in excess ufyoenr Total hlininntto Payment I)uewiil br+appliedto balanceswith higher.APhs before. halances month rower .APflc. IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE When uvingthe optional Pay-lliv-Phone ae•vive, yon authorize uR to initiate an clectrunic payvrcnt fromyuur account at the f nwicial institution you deaignate. You must authorize We amount andtimirivofcachpttyment. Furvuurprutuction,newill ask fur security information. A fee ruav apply for e=xpedited sen•,cc. To cancel, call us before the scluedidedp4yroentdate. Same-dk< pitynients cannot he e0iledorcanceled. MISCELLANEOUS Forthe complete. terms and conditions of ymuracconnt, cnnsnltyour Credit C :ard Agreement-VIA Oftrdtiervirr-sisatradenameofFIAC%rri:tienices,`i-A. fhi accountis issued andadminisk--red by FIA Card Services, N.A. Ifyonr billing address or contact information has changed, or if your address is incorrect as it appears on this bill, please provide all corrections here. Address I Address 2 City State Zip Arca Codc & flrnne- Pbone. Area ('ode k a)ork Phone WorldPoints ?M 4313 0704 7768 7583 January 16 - February 15, 2011 Page 3 of 4 Bank of America Tianwchbn Poabng Date Date Deacr{ con Reference Account Number Number Amount Total Purchases and Adjustments 01/28 01/31 PIERSON FAMILYCHIROPR CHAMBERSBURG PA 3992 7583 20.00 6 02/03 02/05 PIERSON FAMILYCHIROPR CHAMBERSBURG PA 3997 7583 20.00 1 515117 Interwa Charged 02/15 02/15 Interest Charged on Balance Transfers 123.01 02/15 02/15 Interest Charged on Cash Advances 0.00 02/15 02/15 Interest Charged on Purchases 51.15 TOTAL INTEREST FOR THIS PERIOD ?S1 3 TkWOM11,1015 "'I'M Total fees charged in 2011 $0.00 Total interest charged in 2011 $343.04 Your Annual Percentage Rate (APR) is the annual interest rate on your account. $174.16 Annual Promotional Promotional Balance Interest Percentage Transaction Offer ID Subject to Charges by Rate Type Interest Transaction Rate Type Balance Transfers 13.24%V $10,939.17 $123.01 Cash Advances 19.248V $ 0.00 $ 0.00 Purchases 13.24BV $ 4,548.94 $ 51.15 APR Type Definitions: Gaily Interest Rata Type: V Variable Rate (rata may vary) ,IIOAIaPOINTB World ?w? rld 151 MONTHLY EARNINr1B ntS /M`• 0 BONUS POINTS THIS MONTH Poi1,543 POINTS AVAILAH7.E VISAGNATURE Order your 2+010 Year-End Summary to help with budgeting and tax preparation by calling L889.49L1148. The service is complimentary and our opportunity to thank you for being our valued customer. Enjoy special discounts atwww.herta com when you use CDP# 180018. WorldPoints M? Bank of America CAROL J HUNTOON Account Number: 4313 0704 7768 7583 July 19 - August 17, 2011 Account Information: www.bankofamerica.com Mail billing inquiries to: Bank of America P.O. Box 982235 El Paso, TX 79996-2235 Mail payments to: Bank of America P.O. Box 15019 Wilmington, DE 19886.5019 Customer Service: 1.800.42L2110 (1.800.3483178 TM rranaecton Pbatrng Dam Dens 08/14 08/15 New Balance Total ...................................................................$16,828.89 Current Payment Due ....................................................................$382.00 Past Due Amount .......................................................................$2,175.00 Total Minimum Payment Due .......................................................$2,557.00 Payment Due Date ........................................................................9/14/11 Previous Balance ...................... $16,612.11 Payments and Other Credits ....................0.00 Purchases and Adjustments ....................0.00 Fees Charged .............................°---°---°---.....36.00 Interest Charged ........................................... 1B:L78 New Balance Total ......................$16,828.89 Late Payment Warning: If we do not receive your Total Minimum Payment by the date listed above, you may have to pay a late flee of up to $36.00. Total Credit Line ..........................$15,500.00 Total Minimum Payment Waming: If you make only the Total Minimum Cash Credit Line ...........................$3,100.00 Payment each period, you will pay more in interest and it will take you lon&r Statement Closing Date ...................8/17/11 to pay off your balance. For example: Days in Billing Cycle ..................................30 Reference Account DeacrSoton Number Number Amount roof Fees LATE FEE FOR PAYMENT DUE 08/14 6612 35.00 TOTAL FEES FOR THIS PERIOD $36.00 Interest Charged 08/17 08/17 Interest Charged on Purchases 57.53 08/17 08117 Interest Charged on Balance Transfers 124.25 08/17 08/17 Interest Charged on Dir Dep&Chk CashAdv 0.00 continued m neR pope... 14 0168288900255700000320000004313070477687583 BANK OF AMERICA P.O. BOX 15019 WILMINGTON, DE 19686.5019 CAROL J HUNTOON 6765 MOLLY PITCHER HWY SHIPPENSBURG PA 17257-9576 Account Number. 4313 0704 7768 7583 New Balance Total... ................................. .................... $16,828.89 Total Minimum Payment Due ..................................... ......... 2,557.00 Payment Due Date ...................................................09/14/11 Ester payment amount Check here for a chenge of molet[addess or phone numbers. f3:ea8B prow la 811 ccnvch&w on the reverm sack. Map this coupon M mg wnh your QheOk payable to hank of Amerlm 1:5240 22 2 501: 09400476875830 If you would like infonnation about credit counseling services, call 1$665238. IMPORTANT INFORMATION ABOUT THIS ACCOUNT CUSTOMER TIPS FOR DISPUTED ITEMS ,klany'irae; disputed charges are le, t imata charges that rustomnrs may nor. recognize r:r r-memher Before dt pritinga rharge, we recommend thatyou t erift- a few thing9 a.nr make?ver, effort TA) resoh-e the dispirte with the merchant. Often the merchant can answeryour gUestions and easily re•olveyour dispute. The merchant's phone number sea ? J>r located on yo cu• receiyt or b)lliu? = tntemar t. • Has a credit posted to your amount? Plea c'e allow up to 30 eLavs from the date on your crectit voucher or acknnwled?enteut ie. Lter for the nrerehai I ci edit to post. • Is the charge or amount unfamiliar? Check with other persats acuthorized to use the account to make sore they did not make Lhc charg-C. It is pins isle that the merchants' bilhug names and suss names ate different or amounts fan easily be confused with sintilar cha i-ir.- or inclu do tips. Onewa. To check for the creddsor to vipwir,amactiondetails is tolook atyour ccouut ?I tements online. If you are not enrolled in Online Ranking, it is easyto Enroll usaug the web adores on the front uf,your statement or give us a td.. Please remember: If you find an error nn your bill, you must notify us no later than 60 days after we sent your first statement on which the error or problem appeared to peese roe your billing rights. PAYING INTEREST 1X`u will not charge intcrest un Purcliascs on the next statunicnt if you par the New Badarce Towl in full by the Payment Due Date, andyou had paid in full by the precious Payment hue Date. We wHl begin char; n, intereri on Balance Transfer and Cash ,chances on the tram action dale. CALCULATION Of BALANCES SUBJECT TO INTEREST RATE Average Daily Balance Alethad (Including new Purchases): Wu c doulate separate Balances.S,object Wan lnteru?t Ra`c for Puruhases and for each Introductory or Promodoual Offer I rilauce coDsj,'Aing O_`Purchases. We do Lhis by: (1) cahmla:tiny a daily b.9lanCo. ror• each day in the hiihngcyele; (2) adding alt the daily bola nee,s tr,ether; sand (.,1 rlitidin, the surnr of the gait}' hdvances by the numlmr of days intitcbillurl"tp-cte. To calccdate the daily balance for eacb day ;n This statement's billing cycle. we: (1) tape the beau minp, hatarce; (2) ;old an an}oantegnal to the applicable Daily Periodic Hate multiplied by the previnus day'= d,%ily ha lance; (3) add new Porchaies, new Account Pees. and new Trartsact)on Fees; and !4s subtract apphu ibk payments and Lredits.I€any daily balaare is less than zero we treat it as ,,er o. average Balancu Method (iuciudittg new Balance Transfers and new Ctrs h advances]: tVe calculate separate Balances Subject io an interest Rate for Balance Tratasfetz, ('.ash Advsnre,, and for each Introductnryor Promotional (eerhal.vtce eonsistingof BaWiceIlanskm,orGash Advances. t['cdothisIii:(1)catculatin adnilybalanceforcac-h day in this = tatenxeut's hitting cycle; (2) calculating a daily balance for ue.ch d'ay prior to this st.atPmeut' billing ycle that had a "Pre-Cycle balance--a Pre-Cycle balance is a Balance. 1 ranefer or n Cash adva nre with a transaction date, prior 14) this s itemerV, billing cycle: txrt with a. post.ingdate within this atotoment's billing cycle.; (3) adding all the daily l)alanccs toguthur; and (4) dividing the sum of the daily balances by the numx:rof days in this statement's billing cycle. To calrulate the daily halanre for n wh clay in this statement's billing c.yele,we: (1) cake the. lx•ginning b it tnce; (Z) aaldan amounce.qua,i to the applicable Daily Periodic Fate multiplied by the previous day `s (laity bata-nue; (3) add new Balancu Transfers, new Cash Advances :uxi T ran;action Fees; and (4) subt, act applicable payments and credits. If any daily balance is less than zero we treat it as zero. To cst lnilate n dai Iv halanre for each dR.y prior to thds ctat ement.'c billi ne* cycle that. had a Pre Cock balance: (1) we take the beginning baLmce attributable solely to Pre-Cyelo balance (which will he zero on Litt transacuuu date of the fit:st Pre-Cycle lkala ice); i'2) add ,In amount equal to the applicable Daily Periodic Fate multiplied by the previous. stays daily halanre; (3) and .aid only the. applicable. Pre•ttc.le. halances and their related Transa<•tion Pces. We oec:lude front this calculation all tn,ansacrions po,tcd in previous billing cyulcs. PAYMENTS We rredit mailed payments as. of the date received, if the payment i (1) rwp.ired by 5 p.m. local time atthe address shown on the remittance slip on the front nfyOir monthly suatement; (2) paid with a. check drawls in I1.3. dollars ou a U.S. financial iw4it.ution or a. US. dollar money order; and i7) sect in the return envelope with only the remittance portion ofyourstatementaccurnpain•in it. Payments received by midtafter.5 p.m. load time at the I cauttu.nut address on any dar, including the Paymont Due Date, but that otherwise meet the above requircmcnis, will be credited as of tire, next day. Payments made online or In, phone will be credited as ofihe date of retxipt if rustle i>.y 5 p.m. Ccnlrad. ('relit for any other payments may he delayed up to Live. days. No payment. shall trypr0p as. an accord and aatisfartion without the prior written approval of one of onr `senior (Nficers. We process most l,ayunent. checks electronicatly by using the infonuation found on your check. Each check authorizes us to create a one-time electronic funds transfer (or process it as a e.iie:-k or paper draft). Funds maybe withdrawn from youraccotua. as suon e.s the sane day we rcc:uivc your payn.ent. Chocks are nut rettu-ned to you. For move information or to atop the electronic funds transfer-, uall us at the number listed on the front. if you have autbnrizerJ ns U71 pay your credit card hill autornmica Ily f orn your savings nr cheoki ng acmunt with u,, you can stop the payment on a ny amount you think i, wrong.'1'o stop payment, your letter must reach us at least tit ree hosines= days before the automatir pavutent is scheduled to occur. USE711 Rev- 06/11 ONLINE Online Baitkiti is zcvrulaLlc 24 hours a d,kv, 7 d.xyz; a xccl, and )low, you tan viewthe most, re( cot ac•ti ity on Four account. PHONE ]..tit1(i.2[t13.0212 ! For prompt service, please have the merchant reverence number(.) available tor the charge(3) in cjnestion. f AU4LIL Attn: Billing Inquiries PO Box 98=35, El Paso, TX 79998 When writing, please include YourName, Account Number, the ® Disputed Amount, Merchant Name, Transaction Dato, and reference number of the disputed item and specific details regarding your dispute, including states of contau't with the merchant and the merchants response in each instance. Please include all supporting documentation, inuludingsales and crei it vouchers, contrki and txisLa Ze returns receipts as pruof of air retura6, TOTAL INTEREST CHARGE COMPUTATION Iutrrest Ch urges accrue and are compounded un a cI<tily basis. To determiire the interest Charges w•erun ltiplyeach RalanceSubject to lntero4Rate fiyitaapplicable Daily Periodic. Hate and that result is multiplied by the number of clays in the billing cycle. To deternune the total Interest Charge for the billing cycle. we add the Periodic Bate; Interest Charges tooecher. A Daily Periodic Fate is calculated by dividing an Annual Percentage poste 1?y 365. HOW WE ALLOCATE YOUR PAYMENTS lfyour account has. balances with different APRs, we will alkmatc the amount of your payment. equal to the Total Minimum Payment Due to the lvwesl APR bulauees first (including transactions Dirule after this ?tadement'). Pavnientammants in excess of your btaal fylinmtinn Payment line will he Applied to ha la noes with higher APKs before halances with lower A PIts. IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE Then using the Optional Pay-by-Plione service, you authorize us W initiate an electronic p,;ymeot from yon r aocomtt. as the tiaancia I institution you dc,ignate. Yon mast authorize the amount and nm ing of each payment. l or your protection, we will ask for securitc• information. A fee may apply for expedited sets inc. To canoed, call us befuru the scheduled payment date. Same-day parmeuts cannot Ire edited or canceled. YOUR CREDIT LINES ThP.TritaI Credit Line i R the amouinof credit as:aIInhip. for the account: however, only a portion ofthatisavailable forBank Cash Advanccs. Thc Cash Credit Line is that amount you have available for Bauk Cash Advant;cs. 0cner...dly, Btuuk Cash Adv,uuces consist of ATMCashAdvances.Over theCounter tUIT: CashAckances.Same-DavOnline Cash Advances, Overdraft Protection Cash Advances, C , sh Mquiealents, Return ed Payments, and applicable transaction fees. MISCEl.111NEOUS "Proiotional Hate End Date: This date is based on a future statement closiae,, date. Ifyoo change yourpnyment due date, thi= elate could rhanhe.'1'ran.certions must. meet offer r...onditions in order to qualify for the promotional raw. For the complew terms and conditions ufyocu-aecouut, cunstdtyour Credit Card Agreement. FL4 Card Services is a. tradenanie of FIA Card `-ervices, N.A. This account is issued and :ulministetrt! by r1A Card Sen?ces, N_A. Ifyour billingaddress or contact information boas changed, or if your address is incorrect as it appears on this bill, pleasseprovide all corrections here. AddressI Address 2 City' Mate 'Lill Area Code S Home Phone Area Code & Work Phone I \W/ WorldPoints Bank of America 4313 0704 7768 7583 July 19 - August 17, 2011 Page 3 of 44 Irensection fbstirlq Reference Account Data Dam Deso-ipoon Number Number Amount Toff Interest Charged 08/17 08/17 Interest Charged on Rank Cash Advances 0.00 TOTAL INTEREST FOR THIS PERIOD Total fees charged in 2011 $259.00 Total interest charged in 2011 $1,414.73 Your statement balance exceeds the Total Credit Line. To ensure uninterrupted use of your account, please make a payment to bring your balance under the Total Credit Line. There is no fee for being over your Total Credit Line. Your Annual Peroantage Rate (APR) is the annual interest rate on your account $18178 Annual Promotional Promotional Promotional Belarwe Interest Peroentage Transaction Offer ID Rate End Subject to Charges by Rate Type Data Interest Transaction Rate Type Purchases 13.24%V $ 5,287.02 $ 57.53 Balance Transfers 13.248V $11,417.43 $124.25 Direct Deposit and Check Cash 19.24%V $ 0.00 $ 0.00 Advances Bank Cash Advances 19.248V $ 0.00 $ 0.00 APR Type Definitions: Daily Interest Rate Type: V= Variable Rate (rate may vary) WorldPoints \W/ CAROL J HUNTOON Account Number: 4313 0704 7768 7583 August 18 - September 16, 2011 Bank of America Account Information: www.bankofammica.oom Mail billing inquiries to: Bank of America P.O. Box 98= El Paso, TX 79998-2235 Mail payments to. Bank of America P.C. Box 15MB Wilmington, DE 19886TM9 Customer Service: 1800A212110 (1.800.3463178 TTY) New Balance Total ...................................................................$17,048.03 Current Payment Due ....................................................................$387.00 Past Due Amount .......................................................................$2,557.00 Total Minimum Payment Due .......................................................$2,944.00 Payment Due Date ......................................................................10/14/11 Previous Balance ......................$16,828.89 Payments and Other Credits ....................0.00 Purchases and Adjustments ....................0.00 Fees Charged .................................................36.00 Interest Charged ........................................... 184.14 New Balance Total ......................$17,048.03 Late Payment Warning: If we do not receive your Total Minimum Payment by the date listed above, you may have to pay a late fee of up to $36.00. Total Credit Line ..........................$15,500.00 Total Minimum Payment Warning: If you make only the Total Minimum Cash Credit Line ...........................$3,100.00 Payment each period, you will pay more in interest and it will take you longer Statement Closing Date ....................9/16/11 to pay off your balance. For example: Days in Billing Cycle ..................................30 rranaechan Pbabrg Reference Accovmr DaM Daw DesaioWn Number Member Amount Togm Fees 09/14 09/14 LATE FEE FOR PAYMENT DUE 09/14 TOTAL FEES FOR THIS PERIOD 6828 35.00 $36.00 Interest Charged 09/16 09/16 Interest Charged on Purchases 58.53 09/16 09/16 Interest Charged on Balance Transfers 125.61 09/16 09/16 Interest Charged on Dir Dep&Chk CashAdv 0.00 continued on nod page... 14 0170480300294400000320000004313070477687583 BANK OF AMERICA P.O. BOX 15019 WILMINGTON, DE 19686-5019 CAROL J HUNTOON 6765 MOLLY PITCHER HWY SHIPPENSBURG PA 172578576 Account Number. 4313 0704 7768 7583 New Balance Total ........................................................$17,048.03 Total Minimum Payment Due ..............................................2,944.00 Payment Due Date ...................................................10/14/11 Enter payment amount r] Check here fore charge of meilegq addeas orphans numbers- A]ease pmude all co fechons on Me famese side. Mal this coupon along with your check psyetde to Bank or Anwice 1:5240 22 2 501: 0940047?68?Ski 30 If you would like information about credit counseling services, call 18663005238_ IMPORTANT INFORMATION ABOUT THIS ACCOUNT CUSTOMER TIPS FOR DISPUTED ITEMS Many tirnes disputed c hart;es i re legitimate cha r geR that ?,ustomers may not. rectognize nrremember. Before di p)tingecharge,were.m.mmendtha.t,youverif}'afewthings and make «-, e rc effort to resolve I he riispute with the werchant. Otte..n the merchant can answerpourquestionsande..railyre,olveyourdispute. TliemercILitit'sphonenuniber nuiyhe locatedon yo arreceipt or billing, 4atement. Has a credit posted to your amount? Please allow up to 30 clays frnni the date on tour credit voucher or ac.kmowiedgemeut letter forth, nrerd)ZIM c:,edit toposc. Is 1 he charge or amount unfamiliar? Cho l: with utherpersotts authorised to use the account to make sure they did not make the charge- It is pue:.ible that the mach-rots' billing names and swm- name., arc different or amounts km carsily be confused with similar cha iTc., or inc}u do tips. One wirer co check fort he credits nr to viPwt.ransac•tion detai Is is to look at Your account -tatements on title. If you are not etuolleit iu Online Ranking, it i= eas> to enroll us: n? the Nveh ."Ad e9 s on the front of your statement or give Us a. sill. Please remember: If you find an error tin your bill, you must nutify us no later than 60 days after we sent your first statement on which the error or problem appeared to preserve your billing rights. PAYING INTEREST We will notchargc interest out Purchases on the next stateniurlt. ifyou pay the New• Balance Total in full by the Pat n,ent Due Dale, aodyou had paid in foil try the previous fayaneut Due Date. \uv'r, willhegiu charginginteiest on Bal,2uoeTrwi,,r(,rs and Cash Advances on the truisaction date. CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Aver.3-eDaily Ralance Method (includingnewPurchase; ): R`c calculate separate; Biihuiccs ?ubjcca. to un intcrv-t Rats, for Purchases and for each Introduc. i orv or Pronrolior,.d Offer I ualauce consisting of Purchase,,. We do this by l) ca lcul;tGng a detav bal,? rice for each day in the hiiling 3Gle.; {2) adding alt the daily ha lances to,ether; and (31 dividing the, snm of the daily ha.lancPS bythe number of days int-hcbilhiir iclc. To calculate the daily balance for each day in INS itateruerrt's billifuP cycle, we: (1) rake the betsinning balance; (2) add an amount ee,nal to the applicable DaityPeriodie Rate multiplied h,vt.he, prex?ousday' 0,tilybalance.;(3)add new Porchases,new Acrount Fees, >uid new Transaction Pce,; and (4) sublsaet applicable. payments and credits. if any daily balance is less than ,evil we Ireat it as zero. yyarave Balance Method iinciudiw? liew Balance Transfers turd new, Cash Advances', \Ve calculate separate Balances Subject to an interest Rate for Balance Transfer:-. (';csh A dvaneer;, and fm- each lntroduc my or Promotional OtYer ha l.a nce. ronsi sling of Bedancc Transfer, or Cal: Advances. titre dothis I)-,(1! calculating a(hi ly balance for each day in this slatemuitt's billing cyvly; (2) wlculatiug a dailybidancu for ettch day prior to this statement t billing cycle that had a "Pre-f:yule balance'-a Pre-Cty-cle ba.}ancP is a P?tlallee I ransfer• a• a Cash :\dv,ance with a.lianas rian data, prior to This sraferrent's billing cycle but with ttpost.ir.gdarc iihinthisataacment:G hitting cicle;(3jaddingall thedaily, balances tobeLrcr, and (4! dividing' the sum of the dir,ily bula.trus by the numtx:rof days iu this statemeut`o billing cycle. 'Po caictdatPthe daily balance for e_a wh day inthis statement's billing c ycle,wet (1) rake the bc•ghming haLincc; (2) add an amount equal to the applicable Daily Periodic Rate :multiplied by thu previous day's -laity balance; (3) acid new Bulaucu Transfers, new Cash Advances iurd T ran-action Fees; and (4')subu-acl applicable payments and credits. If' any daily hitlaoce is less than zerowe trea.tit as zero. I'ors.lrailateadaily halance for earthrinyprior to his statement'sbilfingcycle that. hail a Pry Cycle balance; tit we take the heginnin!, bakince att-rihutal Ie sololy, to Pre-Cycle balance (which will be zero on the lra,rsartiorr date of the first Pre-Cycle balance); (2) add an amount equal to the applicable 1. tilt' Periodic Rate multiplied by the previons days daily- halance; (3) and a,id only the applicable Pre-Cycle halance; and their related frinsattiiun Pass. V.'c cscluJc from this calculation all transac:tinns poRtcd }r-previous hillirig Cycles, PAYMENTS \A'P rrPdit. m ailed payments a.s of the dates rwceiaPd, rf the.. pa},merit t F: {i j reteiyPtl by 5 p.m. local time as the address shown on the remittance slip ,in the front of your month IV statement; i 2) paid with a check rlran?i in tie. dollars on a LLS. $nancial itxstit.ution m• a U.S. dollar money order; and (3) sent in the return envelope )NIt.h only, the renritumee portion idyour staienietrtaixmrp;un•irtg it. Payments received by mitilafter5 p.,u. load time at. the remittimcc address u n any day including the Payment. Due Date, but that other isc meet the above requirements, will be credited as ofthe, neat day. Payments Ind dc online or by phone mu }k, credited as of the date of receipt If made by 5 p.m. Central. Creditfor anyothe.r payments ma.y he delayed up to tive da4R. No payment. shal I operate a s a n arcord and satisfaction without the prior written appro ail of one of our Senior Officers. We process most payment cliecks electronic ally by using the information found on your check. Each check authorize; us to create a one-time elec tronic funds transfer (or prowess a as a check or paper draft). Fonda maybe withdrawn froruyoor actrount aS soon as the same day we receive your payment, Checks are nut returned to you. For more information or to swp tic vic etronic funds transfer callus at the numbrrhsted on the front.. if'vou have authorized or to pay your credit card hilt autUmatica 11y from your savings or checkingaccount with us,you can stop the payment on any amount you think is wroirg. To stop payment, your letter rnustreach us at least three husiness day; before. the autoiu:it it t)avment is scheduled to occur. USE711 Rev. 06/11 On NF l in hnc B,irtkiri r i . ?t+-.ulablc,!-t h curs a J.,,v. i J.rib it week and 11lowR y ou to tiew the most recent i;ctiv iv on your account. PHONE Lilf x266.&212 f For prompt ser-rice, please have. tho weichatit reference numberO nvai.lahle for the charge(s i iu gnestion. I MAIL Attn: Billing Inquiries PO Box 9829-45, El Paso, TX 79998 When writing, please include YourName, Account Number, the ® Disputed Amount, Merchant Name, Transaction Date, and reference number of the disputed item and specific details regarding yore dispute, including states of contact with the merchant and the merchant's response in enrh instance. PlMge include, all supportirlg doiumenurtion, including sales and credit vouchers, centract-and postage return receipts as proof cif a ily rettu'us, TOTAL INTEREST CHARGE COMPUTATION interest Charges accrue and are compounded on a daily basis. To determine the Interest Charges we inn Itiply each Ralance Subject to Inter,; t RatR byits applicable Daily Periodic. hate a.nd that result is rultiplied by the number of days in the billing cycle. To dot-er-nurrc the total Interest Charge for the billing cyclo, we acid the Periodic Rate httcru st Charges together. A Daily Periodic Rate is caicukttrcl by divirlirtg an Annual Percentage Rate by 365. HOW WE ALLOCATE YOUR PAYMENTS Ifyour account ha. balansca with different APRs, we will allocate the amount of your payment-equal to il)c Toted Miairnum R ya,entDue to the 1uwa;I :1 PP balanuc:s first (including transactions made after this statement). Pavnrent.ammantc in excess of your Total Minimum Payment Due will be applied to halanres with higher APKs before halances with lower A f lts. IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE 'When using the optional Pay-by-Pliuue servke,you authorize us to initiate an electronic payment from your aecmnit at the financial institution you dr-o7rate. Yen 11111;t authorize the amount and timing of each p=tymcnr.. Ir'er your protertion, we VAll ask for security iafonrratiun. A fee may apply for expedited service. To umucl, call us befui e the scheduled payment date. Same-day payment= cannot he edited or canceled. YOUR CREDIT LINES TheTafat Credit Line iR the amnunr.of credit ayeilahle tar the Pwcount; however, onh ,t portion ofthatisavailable forBtulkCash Advances. The Cash Credit Line i? that amount eon have available for Back Cash Advances. Cenumlly, Bank Cash Advances com;is t of A1')14 Cash Advances, User the Coxrnter (CYCC. Cash Advances, Same Dar Online Cash Advance;, Overdraft Protection Cash A(iva.nre,R, Cash f;quivalenrs, fCPturnrd Payments, and applicable transaction fees. MISCELLANEOUS "PranotioilaA Rate End Date: This state is based on a futtn e statement closing date. If r ou change. your payment due dare, this dare could rhamn,. Transzrtions must meet offe=r Conditions in order u) qualify for the promotional rate. For the uomplew terms tu)u coci(116011s of yuura:count, cunsultyotrc Credit Card Agreement. FLA Card Services is a. tradeuanre of FIA Card Services, N.A. This account is issued and administereu' by PIA Gard Servire , N.A. Ifyour billing address or contact information has changed, or if your address- is incorrect as it appears on this bill, please provide all corrections here. Address 1 Address2 City State 7,ip Area Code t Home Phone Area Coyle x Work Phone 0 Worlffoints \ n/ Bank of America 4313 0704 7768 7583 August 18 - September 16, 2011 Page 3 of 4 rmneacnion PoetlW Reference Account Dam Date Des-0- Number Number Amami TOW Interest Charged 09/16 09/16 Interest Charged on Bank Cash Advances 0.00 TOTAL INTEREST FOR THIS PERIOD $184.14 Total fees charged in 2011 $294.00 Total interest charged in 2011 $1,598.87 Your statement balance exceeds the Total Credit Line, To ensure uninterrupted use of your account, please make a payment to bring your balance under the Total Credit ].Inc. There is no fee for being over your Total Credit Line. Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Promotional Promotional Promotional Balance Interest Percentage Transaction Offer ID Rate End Subject to Charges by Rate Type Date Interest Transaction Rate Type Purchases 13.24INV $ 5,378.87 $ 58.53 Balance Transfere 13.24%V $11,542.34 $125.61 Direct Deposit and Check Cash 19.24%V $ 0.00 $ 0.00 Advances Bank Cash Advances 19-24%V 0.00 $ 0-00 APR Type Definitions: Daily Interest Rate Type: V- Variable Rate (rate may vary) EXHIBIT B TIN tail M.1. taeL ..4 m.6, : i. C A >.11:1nu.alMU TAM AI.M..H 7.11 1 A.1w Mary I ?.Im k dt ere 7.11.]: ft..wv.or. N'1'e- .n1` •.. I:.1g.::F e vi.?M .n G:re w TTr ne-i'.xn:a s•prv y.•e > -eid M..i.i 1r.u.alLu. If v: a t di Re ?uuA f xpw a-br t.rd•.a a d:1`! ,0 I t, il ss 1, D A e..e ...wet - At ..Jw .,.1 k7 :x 7.11.4 Oiy.N AaiaN.a. 1.,,: .':9: a rrvn S ffrdsyes e. 1?-a mYe_?x[ius a, .J.rny-1 fa z, nr._rx:..a s.. .ib-•.d Fy 1.14 o/wN. Yms:A -.IV• i:w•t µ+ ? hm ndv 4 d m ?u[i n?vd}xr :w • •If? : 34aw.,w A -.: 9 ba, f h. Iql ?d dvv A P" ^i : nd. M r'. ^ '*9 - 4i 1 M 5 J mI - A6 a^d 4.:^ ds .,M m : 4 A nr^. t -.b t 'v6w nv t: aL h - -M trap; ..mde _a L.-. z np:sne E •v • Y LA,? I, , r _ Lwtilrv Rv'.y 7.14 Aw./...I f 66 4nss1 ... r;:] ft by adJI, m J: A , a:r >. -.) _..w , r` `Nmv v:t rz .'. k- A1,1-1 . \ :.v We Pend. r F] F ] M t ate .. a.,ay 'e : A-._un.Maar. cM _ 'k- .'at 11 dr r ulna y 7? .~ at. x penNi.:..ta:x ]s cq:. rt-,R ham:cea ar, w.:: dds.n a.!efse Jm h frm _v:. IF w•aM to do u.w ?;_}. Fay .ter d t,x , y.y Im to 1 S e e?dw 2 b0 •n v aFw e'Dr oMrv: da ?.l:a 4 ? Mruu .RKt.-a li Fwni U-,,ln.WM..I :>9 1 •n0 a l du' M.srf d 1 '=-t .s d:ti l S. ?u n:nt'f etvnvwsnn r#a.v,: b:.drwn nwl •„v,FMaarml.ard cv. axv d,11 arv:M::sa this va d:arm !be d.I d:'_ona s16r as:rferd, tt r:_ ds.1i:, mnmem: z!w m p?sirp, dab maY:li:Sr f.. ise -a'r. m we da4 ofyv_:-r..res'bm. Crr:cuth, M:sIUU iwssc cmvrrzm.:ate of -1 a mel Ye.. _6 i2' ;-d . •^:cn t red twvd t .' ;lP.r.:nerd filar de:ur :•d b ud M rC -d I ? sv, bF..,cBa ,:ro a -m? rer L. wa?? , ?a T:r u.... ar«. ?.., n. aM tlr A eit ®r} f .p: - aT n v '. d. `Y 2 14 d.'...4d• F.trr,--y lSaawY e(6rd. T-.e:emai.uq atS.enrv:e wd .s aMod l .: S. titi L.e{ 9anw?.nwn .n., ..?.n.ra-r,. N? a:. Tc.P:.? e,Ae,,?mr 7.14 T-d -e 'rAI- P?T,+. ',I- IWe may 9rntoa.i t na'vd: ta411e If h?,. een - a w mnrulaiaE it.p-vvr? l::. y::alir of 1 17 i.Nrwi11NT 0. shire N azwvx an d j7• , 1 oIf tr W I- A, a-e fauMbtw:.-rdv:+vble.. eJ m.Rw an Fr wiL w:mn.n vE 6.-e YAM o...nLi laa 1'NIS AGREEME\'T 19 WVE:RNED RY AMACARI.1. ARIZONA AND FEDF2LAL EAR 7.14 AAAWMw.A,n, d*w• -mtov "CI." 1, It- 'a I, :n:Lr:g aec: a.'v'^aamp thw ,eh"t- awg:aalmsi:ux dn- relatnEtIes::eot vm:rAm M. he. m::d!v ne gnas nrf amen by E •^o.ed by b ,+v.tlg wt„tr . a { pm rv'a wtbwe r .q I. 'b3ra4. A,b.t - 6,L u-, e pa µas lefaem. a:q?e crt t«y iM: Jea: t a,a 3 essl b mp fxm d oma anitn ^rL t snn S M `+aactaa a 4 s :,tgc has t?a.mdr_rnl m . . c yaKy .m2d as.r a "" ?d p d:ce It, :ne d';ay :n danandinF d ' an Ak, t' It C, M d -b 7 1? be ca +,,I. ac:ada:us• l -•ru mb nd d P JJANS..FMs !1 ]ANSI Ym :av -U JAMS.W].7a.119 :. t JAMS I'YeC Mam S b, U Irv (A 92614b nbte.n d si' JAM nab. • u c-s.Ji:p 4 serve U. P d =rb:taLo,4 s;:tattute t b Wor - eti itC a' 'Fr. ..r 'f - . rh o rar: . _ is At: en aw.L he g ne-n t b b,, :dJ Asb-t At 11 C 4 115. d, dgment )? sirn'a9n .xr M n a ng 'ado Mb.- 1 N tM t th1G, (h..--dnJ ds9,. r-Y f tb ar::e:h0 Fa -e]et lfwe-eTw.,. "h-b- JAMS 1- .0 w. P tha arlatMn ruEe n fam: n`me ywY.y a.>asa• t}e .•!a^ :ha nioc {nr} sca:: !%Y xl :wa+rnbix > rtrrnry: fiu vnd c•? of t}e zc^.cm an k«ie:` of t b Irr.e- I' 'id:nk Y :aea utl erven,ts x:d _% Pa - krei:^-` of iCe U.- N xa ..e vbi_ainr It ant decdn r• •d -d cam e ,•!nta:•;al iyus9s b.. 1av tue fuh sui 1?d a:7vmena ael v rt u.:Ceetoss YOU CNDEfI AGREE THAT IF EITHER YOU Ok WE ELECT TO ARBITR4IE A CLAIM. THIS ARBITRATION WXllON' PEGGIAIDES YOU ANDLIFROMRAVINGAHGHTOCO MIRIT_ FTT1'DILITIGATEC[AIMF TII ROOGH COURf, OR "'0 PARTICIPATE OR HE REPRESENTED M II nCATION FILER IN COURT BIC OTHERS E.V:EPT AS OlI EMAI SE PROVIDED ABOVE, ALL CLAIMS MUST BE RESOLVED THROUGH ARBRRATIf N IF 10L- OR WE ELECT TO ARB'TRATF, T hIC! ylY.::a y :n l',-hfrw'_}v A a,y-.A a B.:uA ...ceN ee•:.nr. W.ee J.h 1. 1"2 0 :h, ?B? Inq:si. res'eddrerm..d regr a. '. aunt .:: Am_n. i4tMG Yfi11Ii W WAAIIT N.laf7 Y a. 4x .14nn .r O.etli..r A?.a. 7. iiN '.u FiL ma aea'aR i=. r e t[.e 'G_:y; I:pu r ra'ri..? m 1 611i, sakmen:. W to u na hl -1 . K s he rcc 1:— 60 deYa afle;wes y ?t tio .-:Y U..e F:e us nef :m isg:n nrn:tv,:? • Yrvm? rame w:d Aa,.m• imhe•. It m ad - . _.. I,, des he 1i ism a n :._ ztor.rv.-. 1- yv, bn. ar_ I-W -va W yeY - c'W mrd Iti vvmm vt 6ort av o Y .. rnyn_ A .Tm . e..i•se n.cva da}. N(^:^ Ne. -r me?c vnvm srhadaM z, c.r _ M. NIi1Y ..J Ox 2,y.WH1Nha III 1N M.1.. %.? Ylaitew N. I.. We mn? a:.kn+w: t>a Y a Iaw -.v:l}. r 9f •la 4eA r?: by b .n Wit.m 9L aay4 wn me e:U:r mrr.t fhz ssev o qd w e e,?s m, bi. a nr, rr.. AP ee vuv I.^e+r, a. nnrcr t r. x re:m'1>nt asd?n9uro_N'e an ^xrt o.u •v M1Jryt -vrL n.I:e•::e:4 'd:p.- wg. - I -. on .rP' >-' rd vrv r ?raii: LmY ioart t>(p ygvn9 I M:r } . J iA'aLd P'.- rnrx Ma -- I c a -. wa.:aa. a m?ara? a tae y .: r w:.art ' }. ,W am 9. 'tnra.d If .dJr' v taC w qursimxd ad J=4 s, .aatta®m, we .1 wvd Yu:a;a mn s . r n. _ .M a .td, If Tr, a deLp li?wev; J:ur:ah d l s} d .J _ tC d tsa Y -e'. 3:.] wem 1 r. ty q 9 Mw:y Iu_ AM, W. t .. of -s ? 116 :ab .e reµr ? _a. the Ia _ ta?twn vtlad hrv. een ..en ,;E a:,:e L we Jw:: faimv DeY ,ez w,?e t . u _s. }M' 'r J.e yewsa?.:ad r c b'I w f?.d.l AMe M CrdN V A M1eb.w If,. hs.a orh 6 1 9' ndpndam r--r•-r? =xt .-•3 tl, d tried ymN f k m -•rA y .h: a?R , n..y n s PaY - .t d e x. N. r g.:J s P.P w-..n. Then. are .a.:Tb :. :r..v Yr .v ve -vedr [GeF cC - -. :i: lgevl^e:s a ?.r: meu.?xnd,.s e:d .: b-'f-.v nrrha _ _ ..:rcnlwo:no-c tvaa.551 Tnase.smtn.:md .apylY Jrerm^• a>aU :: r...., -. e_?a_•d . a th. xdvur_vm.n: o 'a.lw-:er.v a :...-n-< 1`01-9902-2 F% 19 mk of Aaaa r- N.A IUSA) BaakofAwiiaa wOito AIARSicAiN C.IOMYIAi Ao1R0iiMT F..li.. l: 111FTI(I" ow moTINONt l.ls C..Nwa .d W. H.- f A,n...... T`,s Apwnent F:^::ma -tt d rvv A - I th is ,,a hwl ldd ' 0 and :ha R y ....>: t a't.ak v.T:a 4 Or b, 1. :b, M.ome>A1e ant yar.ep,-se :2 LamsM :u'vnn: :r 6- "A-' nnt witFv . ] da-`orraavy'•( 'vasA?ermrvt 1.1 A 1. OY.4 MA r N Ayw ..l 1V " t •d b 11n:W of Ame-rn. N.. Yn.:'..mM wMee •x^:e nP,xr-n u:z?-dw N'.Mrw, w t _ttsA :rt,.rth rh. .hwr.srv a1`-t"bhe ah A IJ DaAi1L I. 'dd:... t u w v- d# M t ?.v 1 .b. ARrrx-:-.r,. ?.> 9 .. a raw G •,aan:re. sa3r,.v:t _.i, h.:en. 121 -APR':,-:«eo k.-i PPors- Fns. 1.2b R:h:9: 1=... ,nv... z {.:. id -r da:l r r ms:9 _: d:. o•: v F 1- . 1.24 "L"a•tl m ana a Fcu d.A:aerra ±rvd:t avd sued :m va:.-,4rm.: t. 1 K'C:.uh':: .' .v.ri d•rwnmss :.-Armin.. 1.24 `Marys; n? a6:he nvmhe: d r.. .rrnge y,.n:a a,l:kd t :.rv hd.s. r.o d 91'4 1 2Y M -. : rd M L. 1 I: . 12l of nsr: - A .unlht . l 114 L: rcd L:sro nnaw to 9 d - _ a IR dv. ?- rd y I e. .t IL ty .v :. z.. 'ert .axx9uq s:d .im w ... vx: a1`, n rac - e a .y Meal. Jaali.. 4 YR DF TOYi ACCOIAR 7.1 77PS f Ta.... dW 1 A a .re ?d :r. ig 1.1.1: P.r .. P-)- . 2.1 Ch Ad...ae. r]k,unacast =nm a ya.-o:,yat,? 1 an.: ,. a,b 0,.. aan:"1 a f-m ATM(.kTM 4dvv 1.w-raa 1?rA G- an. Ispsl yvrv.e u'x .4dsa:ax'1 s nme mr:cy +?ev. tra T an r4a rn.. A r Lntc vY ? g r Y wag:a. rdwmab (. . M}v+r 2rtb. I tTae r„r"t s -matte _,.n Em, Aaa:n., o .r wmh m 4,.n P-.nnu 3e..?gw.:fx a.r.d-n.^vwLZ'.rn v's.,.:dz4 Pmtat:n? 21Je id..n T.. Tru:vfw h.av a. r yn? 4 r.n .,.... cM r:n 1.3, U a.6- 2.1-1, Y.. 221, G...M; C? A-.1 1- aid- usv t.E I:?e1-aa4e•cros. 12 e na v. u Accuav[ . j. n d ke.o : Yrv h n o .: a.4as:mt ad skould nn b be fx h. nea:. P:ewv+ !L2Jh Via Tn.aaN... Ym, w,11 nh ve v Amint fu ko:ufwu Y e::.e: r}w: va. Vie. Fy rsemp;e v:te^attymbvi kx:m.a•esmoy M .:sg : cx Disy:ay o; • xrymrvn: ca-d Ivg by Iv st d.rs ..r weau:wr su .: sgn. w:.cryo rvy .rte.-,1', .s..t ] ] 11 M.idF6x a vMidti }, A _ I W -dL. u dWd.l 7µ i1S 'd- . J , , , n', b aw B N y - ,g y )fi dL v npw... 1,..4: :. :i Yhml'ILn<; .n .Jxppn _ If -. v.ren?nL hiume 1111_ ds _.;r W.r•1L-ne, v IdP::v,:F t'e r?wAng r,•: •A,.-d Lne te•rzn.. Yn.: srv ^"l.-'A r yr, yvr nr.d -? ba?a-r. i:J .1. mu, „ y.,y_ ?a mete a,,d _.n ,n: Jy pryra•ne :, W, rldl,,:w lw!a.,rz 1, ALaz . d W:, dP- b:....Ye 2.2.3'3 M11 .w1 y.ai. 1I.IF w hrdr11.11. wa w..A came ?uA.wd m, vxa p-m_is.r,d.?F Oeh.kt h_cry .nd ]1.13 OYAAWI-IIN.Y-Auncol :s ahem to -ent.AA x11 "fad. I,i,s ry?al in U:e an 'e "= "Al yo halure;r mindnL-L 1].k A11,16.riv11N..a. "3m,et ozrn.a..-eq:?-•,:v mi, a e. We :..if..: ,., 1'e- ,f auUa ::.atax we p•e ::: a j .y . m deny w h?au:t !es dr::ed ,n 'av.a ' 1'. a •>p? a..dcr ,ue- _awm We _ ,:r:a o al.:ra r. 17.3 YwF.id C611A? l4? ,. a) •••,. K vn _ pa::! h ...-. tti. 11.1161,2: Ln, •r s Ln:. as M1w e. +: d h ex:a-al,d M '. t x, t r P:t ,.•ud? a p,c, ds:d 1:r n d -•-.. .µ , er,'r.eh Fa.-,g z.. rdc-rct and aem rery s,. ce . Y"wr I, daf - JIh:,_ ? ,,,- .pan e?zrM.? f -yel myC dw ., ?4t.. st pw a l e, sapDd _Ne dr A uN., 1111,2 .. 1:.? F iwl hY lnv. 3wi. 1: f1xAxCl dA1W4S 11: Oa.a P.11i.d. + ka mry 1 >Jr ,:?, C - •^'.'Ja,.rem:cCMp I^mm?tl I'- . T[.ereM od roc 1611:: Aden i:Y-. M Bun.,a ?Te,,.r.?. 37: hri.dG Fir11. O.rf. fW111114F11.. Fn- re.h d..Y : .. dJa:a•, fyoa. u tyomanF M?,LS, ndd a- •;n4+nQ:,F :v P?:ri.;=?1 •v ,+J.er dehts and :,Mmet an .wvmant..i dtarh,.e tdm J f. R.: a_•, .. W-. PI .: R Ba w- 1 I P -d_ halo ' P d F 1},z;g;a, fo f dey .Yr d1 - Fa-iuL. F,?w 1_. ,._R Bn. ,?•• 1 h,rc - ben a. l'o k h 4 P of F I:aarka` t _-'F dl y :w OriY f F. r arils -Tics no N-al a Ae..agz [.iy I3a.m a ixd !rv 1 1 -: P_-:.d' Baw d ivn c, tykul b t 1 ',ualw u dan d e F1u,g ( detra,i•.e ? Paa., JJ ?. nc ?,.. BaJa:m-edd - -.envni,a .e• Wy fm ?3 i® aaC, m Hcrrssan Ad:vnw &mns :re. ae.. o. Pm,ntioua Pelrwm Rs-M F, - Che•en- !.•1.7; s So 'e law of the :rv? n Jar u- Le Ldk o6 dr.a- ni :i:e ..ar.,a,. }iC, lu tre:aaeSauaF.. s. 13 hd11dY R..4d A..wl F.re..l.f. R.. 3.11 R.FU T- Iw Pe d: Bsta• d Parrnnmg Bar. ( -k bbd •m add I' The 1)-y P-L'B.l<:at•a nvrn: I%. A,"".I Pe n.age B:,Y• d.:.ai I" ,.mb of d11yw m x vaa- -det N :;a rcxi n•gl:m h.:odrM L:,;ivndi? , . _ .,IZ?pn:ni 1.11: ,A.MY. RM. b1.11..0.4. T:e ve.-sla ntr- a, :o ?.4dda•mi f)LS'oa-ue' ve detr coed M- addew a Mz,Fn I..aad :n 'Add:i D J e'i?a u-7:d:n fCe hdsutne9r?ara:Elxh-'•d Le 'dopey Bate seR.vna)7,e'Aal Svenn.'in on enefuz.ho ., a .: rrie 'Todez Dateia,')'1, Ts klf , f,, c cud -c,niir,? 1 m. ' a: 14- T ,, 4 ?Il ,,,1111x, d the (n:4 . z ;.wsa«s :.r Mr,assa Y 2611 G,dex :Fa:.ua 7rm rferfes , thee, vviaNe rnin.W Mr+me nn'w` ^ rnxt dny of 1lr, P ,h- R nlw?-.F Me Indm Rete. M i n.. to qnu Po and m-?nmdiry: L Free Ara .i•. -- - aasA ewe amv a e Brte of F- l]arNrv, m - A¢ent a-d mastwzete year Mivm Pmvreat Roe. 3,t Aiwi.- F.ri.. R.- ch. . WT.ewaw .. i1-d:me be,re x =J'_ m ParaF F:.-uw, C'L g L c:. Fat - W of _t I :d F -nnr. Cb..rge a the Wninn,m Finawa Clmrge ,a HL r' _•w.s s,.,wn a ;1 e .aadrnna R?c.e,,.-a 3.11: C.J Ad11..r.. W W.--W. N- Fa.ca 1e M -e .:I L., L-e C A Adv m<n F,wa K- m tL. Adtt. o Rrdm: ded .a the •m vgh , ; emi add the fee m th L sF A+mi:f bm' .te ,!# Be:me.. Trend MP Fsn, wiJ Cosh F- w.m ww Ca-.,tL. se. m .anar a^.-. 4..i.. 4 MM IW AMO O .w 4.1: In- W 01611, h...d bq. We 1, ha' lw o: ma:,u `ak and ,.vim -argas - 4.1.1: v l F.. Aa Ap „i F. naea ear:; )ae. IM F.y.M F.. A Icv Pan. F fwada v'.-,«a. e. ?..cl .i:e Mnmum R•ymzn: U,e By ,M Ryse„S P:e 1611,,. 11.3 0.06111 Fti k, Lhe-I- Rre d t a.y,y Y. w k:na: 4.I.M f..11.N F.F... F.e. .4 ldc!c-nd Wym n; Fa-fr- y ya,le-,t - n-ASan.i•mtv.:ebnreltn cm npn,d 4.1^5: SF.FF.y...FF..ASnp P-- F. for uty rycw..made.;. +o e C; :k t.l , wa hen-e met- tl:a C.h-•.:.'w vo:v An- 611.1:.-e. C. Ch.— A Corry l?,arga. fan Sabmen:. saes d e- r.r:ad m Au Ar:n11me xNw ,_an fn IrLy hsp,.a r? , , ... C I.Y-. M.w6 F.. A Faeca:ra F. fn• v t ne ;.x-.:•r ue rrl-.,rd ,r A--t nt.mr to I. a b ll::q' Jl, yl'e ,. 11 acw_ sp.ne cn:N aPp,sali,e w. a la C2: Ar.wf f ON. 14. ..d C6-y- rh a" IQ- '1'e e r..d f aqm .Iv:.d nMd. :nd D-1- "d zddd W-io•P.,-d.: ?ML•:.e d I1 Le•v a:e na -wed f.ei. L MOIA lWFl1R 5.1: tiwY f I. - vPa. o-, 9t -d I e fn- Ku :,. halaae dw on .Le dv aemF y,., ,,..:ink - ,t an ao Acrruut `unw:rq ha. ,..v ,a. p; m -rraent. Y"' - -_& r"f acu-rn 1, adS.un, .•s.: fn- he:,C hzle:,rv d.... a, :l:^ Acnnlf ., 1;-gyre i to h.:uH.e i..r., Jn•„r wta+Dazr Sxbanan::.Irw'raaa descrbAi ,law:„y n.l Iw ..skvi I,m.d ] -.1 lahla CLu Parri7 Ss wl medy urcmd4 d m.: }s R ?: ,lt,..• :m'Urautharard 0-1 :`11114 m, Fi.eF (-:11.111,. lhL F' and C>a?gand eapv ? ded 4gr Ify a-:wtz raid-nnoc S,n.=meot adlesa a h, a muntn v.,kd l d 1. e. gmvn••x-n: a Js3 cv.:nty ma. asua a wi::-M1Old:,4, aa,n a. F?,w +C:.t:}? due n yw- Arnall: Yov ere.dlz fa =.?:: x11 nai we may:f -g it roonxt a`tF.e tr b ovs AnDmt den, do n: t s^F 12: 0F6. O11.n f 1M Ms..F. F nu va nol a L N, Prv- ani :tve Ax-, yn 11.11 ].M.5,: each.!-v:eu4:w y-x: wL: ,-he /- pant Y>_.s znq F:- L]usgps, Otte: F. eId Clime and m M: Agr^w,ent. zM -W . r..rL trznm^LVme. If +n sr +:? tl.o?zad I're--11111 dc. "d •n Sri a' 9h Yo'•--'_M:zty does not rxLare am IaNe Pe Agvaamrd..-a, aehlb fn. .:v.4 i.a aed Ux'e as cvr.am,,.,t.ln:d ll N ..MOW MMMSMFS tl:.a..h11 . h'1'- Vm. P u5 ( 4 rw...un Am.u.-,t ra wL:<a v,u are',eb'e ,.rds -n^sn d z M kw. 1. a b.^" b po.. syn Amen; ?n: pr _y ..?4ae M1•. eet sreps' -ih:n ll deJs.I m:AC, mfrr.. .o.:s i. ..1 .s-,: r:eel:t rmud, pr idad Px mrtpeymar. C2: AR..IIw J P.y We wel dearn:ne.. e, ar aD?ra tha :rJe: u. 1 .- payma, il! I- ppd,d -d Pw ir.R - ,ii-anr Fian.s Tramrc anpad F- Clarya erd O thx F-._ aM t1•wjg . 4]r MLi?. Fl-- Ow. Y ]: i M M la.mc ,t Du Ile ara•,..t Ra,- Dce M: h11. N hy.... For ai. amomxa yv: owe. m 1111,. Aran.n, rw:.ii: }cy st d.L 4'1 n- ARd e m it h drsw from f da dapar .n a L.S dym,tr.D' .:,mia: -rsi.t, h:r,.. N. rs .n • p'io, N. 9m na de , gn, c-e,:. o- ' ti. hark,If do ? end weiian trgm ??J L m nrn vd Ca^` SvF . Fe ;:nsL 14n arc. ,,,t .R,.i-ed ., msT an) 9e?man, Jzi we dzen Lr• •,,gwre apec:e'kand'.:::g if: hy.Mr d1.e6.d 'FYFI 1. MM- - m P. 0'+' Par f . C t -.r,gi:rye to ::11:;1111112,1 ?.-6111,;- t?a?Fan?>E st v<:.? ?? rr and .111 I4;. eame?M1 } d ^.nv - n L tle 'B:Ia„g l,p•.. adJ-es on va. :aWnrL :_tsf ofy vddn. Srlw M y,. ..• dna mI•:u--c a wr,rno ayra-o,?.t. "-1Pm by ?nr o; my a,N?zed e.. irP.r. FNi.. n 0211! 1MroRA/rt INORMATON 1.1: Sif.+.r. 1 h' 'tl rrxFc, Iura n ya r ( N .: .ahelol,rt•W -.d -u-ns.[:nazad nw- H L3s':.tr .n..a . n-w Sv_k:ao 5 cYir.,.wt J:-.d .,... - wu ego yw f -d 7.1: 11.1..1111(1.1 0 w h.6..11. T?. Agrr.m,ao-. dah roc r:nn?. us n sn^-?tv _-, vs5 m PmSa+es yov c:,a:ge ?.. ya. A 1.3: Mswt A..Fiia W:. A. ,tom d -w x M •m yL d. Flrv d' tpe i Le P N. end.sF F de,n +th, L.dd IN .ee .;J A- ,.al ,. chn:.R- . , w:L Iw :n ,vkned ,nt:- fe a, d v,..,. ).k CMy. J ..11...1 6d.11.s.Fi11.. Yau .I - wring ':nmvFzvW r:Tga va:r .,1111, ahl 11:11 u- . +..v a h .i wu ryhi.:a ni.sdwi 7.k Cn Y/.rr.i... Wa ey ?itv:nmk i:J-::.,.,..vm eAd rep,:*_nk -- Id,3.rs .+ni:,g ??'.,r -},;,,„I:r. 1111 u;detae r,,,m^??::.fn:maa••n -ey?:ast :., nJd .re n-eln-l -m atn tvo,t cwdi: rax :::F a7n:u.'. Y=.; - -µ.?, --s' •4 Ne are:nr+cr ?? ,z-r,dnn vr- n -e -esr4A 1 `.:::: .. d, x. IbaY fi Rncr; Rl p,a 5 1 d, 4ta ..PB eldt:.a , AZ. SF3lr[-1F, Ph-e,u:; AZ .°511'113105. Pi- n..;.d Y:a:T name, e:ld:ev., 1.,. FI . l S t- ^ba d I.:af ,a..kee.',. I. av LvNx. M-e.?,n-A.dae r. pr dtl. rd,. ra a y.vshm rc 71 S pop F.yr.l CY 611. Tn sn„p..meT., CI e. L, Gi+4maro :v,a ,ae,hr ,u,wu •:: au.:lcte_,en: wi.L !re [o.:r«-..q. 4,17 r,e:i:n. tie aur. ii:er amo.m etru LCr?r .he u^,Le-: nm-A:xna ,mM_L,=,ume TtLe pa::ym wLom .?C.,rck.e? d :ne::ac,^da tS?pe-s<n wao cgned tie rte.'s N. ?I eiop ye.-?..,:mthe l]:r<.c .[werwrve ?;m s.+r T) :lt rgcv.:M M1 de _`. th d. -a pay f ,ds TTe d . p11y tl . l _o,rk ae t. Nt.Ta ne mtr t ata m yna Arso,nt '1'ha emp payd• am-..L t*F ad r 73: firdwf Iwfw?MMi We ?...e... as d a?+svd h•:ox 7J.1: li.d.f Yl.r..i...16 Affir 11 d OFk- Wa ,me d^of ru.:a t - ti v shoal ne- tr.na11cbmn _ ?s r Aan..n I Eyer:mxe IM -:na^,n , m ^ at=.eiw and M, pre a. Mas"C.rJ ar y,u- rthv mdi.us We may 'wo eharc war M ai'r..Le n-asp,• il a-L , o l.:fo-r .nfnr?, m: y -d. appumaan a +-d I? uF. f,,. rALr m + 7w _ IL. I„n.nm u not b ilr.e Fioo-Faperi< Wt I, t by a. )i a 2& %requen Ia Bank America rb Ua L:lep''tR H)) B. . n V 1- Rem. la de,• - . aJ&dm-. plBiayi- mne n:,mlmr, A-- -bar, and sxu.. ynumb sn.:.?•u- wraW.drsa W'a 777: fi.el. f 1.1...N. M6 C P.W. W. 7.i W U. o.dvde -ampm .. n a-«:. mw.r - ?:. .r ne.:?. and x? N,Lg^,ed.s awe J r:m rm?_. ?t,A we Rnvde fd ,tu:. 71: SJIdhd6- N sm a w..1 P-rv s oe y aLh r+nd?n±e a:d 'o r } A -nteevin?s and d,. vdoable bum arta:FM .sL; . u ardno dais Yae ?eR s a wi:, . v -n.r4 ux,:t a.. pass :nJ a•v- Fa r:anp.e, rr -,:hv Tn do ,t cny or°r.;,ea-m- bs,e r t To IL la.; a ,prur.•we.•. a. N t b. B w H,,wg t _2) L Jd tae te,'vph, -J, 'a nt li')M_ e. .y.r14 h.4b t}.a 'fl., 1,. y Jd:w nnA 't Pnxeta L- -d- - :cat,,,er, .4.-nan...:;mb^;• erel ar v; -1 1-11 mdm:esn 7.f: A.6da.d 011.11'1,, may aloe: M,'J:i ?ed ILI— [.. L+ s:['.,g „ A added .. - t dU. 11 Ly d:g GdaA hn s. h 1-. Fz- h ow.idhk 1 '.d-1... w <Ld ne loaw -efiu h:mrynn al u: mF. a:n. a^ U ni Be Mmd F } Ps'.+,ow Ac' .nth1 -?g Po L h 4 0 1- b. rot L -A -- r aM y- ew,a etu:n du - A,Aa nrrM Uk. J D- < L ron M:n , ,a aha. v mmralr a dve L t. ani ?:n µi ') ,SC nvd. if?'.u canv,. ,e ('ard. n,. '.:eF ,r eey .ra..a,r -,x we rn.NCf F-en _ e1- # -0 r7IC;c yry:.I. HE P QTHQN'QTA O 1012 JUN 28 AM 11 : 0$ FIA CARD SERVICES, N.A. 999 VANDERBILT BEACH RD SUITE 607 NAPLES, FL 34108 Plaintiff CAROLJHUNTOON 6765 MOLLY PITCHER HWY SHIPPENSBURG PA 17257-9576 Defendant In the Court of Common Pleas of C BLAND CATTY Cumberland County, Pennsylvania WSYLVANiA Civil Division : NO: 12-2978 Praecipe to Reinstate Civil Complaint To the Prothonotary of Cumberland County Pennsylvania: Please enter the above Praecipe to Reinstate the Civil Complaint. Thank you, MichA l F. P Edwin A. Al Lawyer II) # vs. & Associates, P.C. 0 ow!-s117S?d 0 ? SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor ?4?htr oC ?uarbe?,??? 0" CE OF THE &MERIFF F1 J F THE 2012 JUL 30 AM 9: 0 GU PENNSY`L?VAN?IA T FIA Card Services vs. Carol J. Huntoon Case Number 2012-2978 SHERIFF'S RETURN OF SERVICE 06/29/2012 Ronny R. Anderson, Sheriff who being duly sworn according to law states that he made a diligent sea and inquiry for the within named defendant, to wit: Carol J. Huntoon, but was unable to k> a her in t bailiwick. He therefore deputized the Sheriff of Franklin County, Pennsylvania to serve the within Complaint and Notice according to law. 07/09/2012 09:47 AM - Franklin County Retum: And now July 9, 2012 at 0947 hours I, Dane Anthony, Sheriff of Franklin County, Pennsylvania, do hereby certify and return that I served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Carol J. Huntoon by making known u David Huntoon, Husband of Defendant at 6765 Molly Pitcher Highway, Shippensbufg, Pennsylvania 1 its contents and at the same time handing to him personally the said true and correct copy of the sam, SHERIFF COST: $37.00 July 23, 2012 SO ANSWERS, 4z X? WON R ANDI y (0) CountySUIte Shenft. Teleosoft. Inc. SHERIFF'S RETURN - REGULAR. CASE NO: 2012-00162 T COMMONWEALTH OF PENNSYLVANIA: COUNTY OF FRANKLIN FIA CARD SERVICES VS CAROL J HUNTOON ANGEL L LAVIENA , Deputy Sheriff of FRANKLIN County, Pennsylvania, who being duly sworn according to law; says, the within COMPLAINT was served upon HUNTOON CAROL J DEFENDANT at 0947:00 Hour, on the at 6765 MOLLY PITCHER HIGHWAY SHIPPENSBURG, PA 17201 DAVID HUNTOON HUSBAND a true and attested copy of COMPLAINT together wi and at the same time directing His attention to the contents there f. Sheriff's Costs: So Answers: Docketing .00 Service .00 AN L A Affidavit .00 Surcharge .00 B .00 (2-?bep y Sherif .00 07/12/2012 MICHAEL F RATCHFORD ESQ Notary the Sworn and Subscribed to before me th' A- day of 1-142 ocACAA- A. D. 9th day of July , 201 by handing to COMMONWEALTH OF PENNSYLVANIA' =Chambemburg tary Public klin County n. 29, 2015