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Home My WebLink About12-3271IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PE SYLVANIA ( ASSET ACCEPTANCE, LLC No: ? cg - ?1 UL I .-,J =Plaintiff 77: -: 'm' rv ) vs. CIVIL ACTION - LAW - ?' KRISTI OSTERLING Defendant(s) r NOTICE TO DEFEND You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by 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 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 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. CUMBERLAND COUNTY - COURT ADMINISTRATOR 32 S BEDFORD ST. CARLSILE PA 17013 Telephone 717-249-3166 ? o3.75 )zA G awk0 ?" aos? s8 is fo d PA 0101 File No.: 11-32087 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE, LLC No: Plaintiff vs. I CIVIL ACTION - LAW KRISTI OSTERLING Defendant(s) AVISO PARA DEFENDER USTED HA SIDO DEMANDADO/A EN LA CORTE. Si usted desea defenderse de las demandas que se presentan mas adelante en las siguientes paginas, debe tomar accion dentro de los proximos veinte (20) dial despues de la notification de esta Demanda y Aviso radicando personalmente o por medio de un abogado una comparecencia escrita y radicando en la Corte por escrito sus defensas de, y objecciones a, las demandas presentadas aqui en contra suya. Se le advierte de que si usted fall de tomar accion como se describe anteriormente, el caso pude proceder sin usted y un fallo por cualquier suma de dinero reclamada en la demanda o cualquier reclamacion o remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero o propiedad au otros derechos importantes para usted. USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO, LLAME O VAYA A LA SIGUENTE OFICINA. ESTA OFICINA PUEDE PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSSIBLE QUE ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIAS QUE OFREZCAN SERVICIOS LEGALES SIN CARGO O BAJO COSO A PERSONAS QUE CALIFICAN. CUMBERLAND COUNTY - COURT ADMINISTRATOR 32 S BEDFORD ST. CARLSILE PA 17013 'Telephone 717-249-3166 PA 0101 File No.: 11-32087 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE, LLC 28405 VAN DYKE WARREN, MI 48093 Plaintiff No: CIVIL ACTION - LAW vs. KRISTI OSTERLING Defendant(s) -EAMPLAIAIT AND NOW, comes Plaintiff, by and through its attorneys, FULTON, FRIEDMAN & GULLACE, LLP, and files this Complaint and in support avers as follows: 1. Plaintiff is the current owner of, and/or successor to, the obligation sued upon, and was assigned all rights, title and interest to Defendant's CITIBANK MASTERCARD account XXXXXXXXXXXX-5136 (ASSET ACCEPTANCE, LLC Number 11-2684446) (hereinafter "the account"). 2. Upon information and belief, Defendant(s), KRISTI OSTERLING, has a last known address(es) of. 2007 DICKINSON AVE, CAMP HILL, PA 170115426. 3. Upon information and belief, the account is based on a written credit agreement entered into between Defendant and the original grantor; as provided to Plaintiff, the material terms of the agreement applicable to accounts issued by CITIBANK MASTERCARD are attached hereto. 4. Upon information and belief, Defendant(s) used or authorized the use of the account to obtain loans from the original credit grantor for the purpose of obtaining goods, and/or services and/or cash advances. 5. Defendant(s) failed to make full payment of the amount owed on the account. 6. Upon information and belief, the last payment posted to the account on May 07, 2010. 7. The account shows that the Defendant(s) owe(s) a balance of $21,509.98 plus interest which has accrued from the date of assignment at a rate of 6.00 % per year, the amount of interest which has accrued is $1,130.34. PA 0100 File No.: 11-32087 Client Acct No.: 11-2684446 WHEREFORE, Plaintiff respectfully requests this Honorable Court enter Judgment in favor of the Plaintiff and against Defendant(s) in the amount of $22,640.32, plus costs of this action and any other relief this Court deems just and reasonable. DAVID R. GALLO Y 87326 FULTON, FRIEDMA & GULLACE, LLP 130B GETTYSBURG IKE MECHANICSBURG, P 17055 1-877-386-5383 Attorneys for Plaint PA 0100 File No.: 11-32087 Client AcctNo.: 11-2684446 VERIFICATION I verify that the facts set forth on this Complaint are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. § 4904, relating to unworn falsification to authorities. Because of my title, I am authorized to make this verification on behalf of Plaintiff. Date: 5 O 1 9- By: CHRISTINE NIEMAN Print Name c- Signature REPRESENTATIVE Title with Plaintiff PA 0100 File No.: 11-32087 Client Acct No.: 11-2684446 EXHIBIT A PA 0100 File No.: 11-32087 Client AcctNo.: 11-2684446 S. s an?:,v, ff i, !rip sam? rul?: F ly _ ceo,),, , NUA UILk.llNfflL ,! 3 { ;asip gte arbrs ,,poi a%, mop ions oasQtl `hero:e KEEP THIS NOTICE FOP FUTURE USE t a cr ty Cc !s wl ye aliocoted it the ra p'Ya; ttr I are ailocatet for of !;tdf tefore a single arLlf,:i`.cr, to T;nis nolic?ccnt a mporfant information a ytit your r,,hts owardbyapef sfi?,. ndh;^dingcrltheparties after `I'!Q " and oid, reS;;Onsiblhtles rider t e Fait llred;} Bifiifia fit. - d?yshaspasse? ai ndbindinyawardissubecttoiud> wi ?40TiCEOFCHANCE IN TERMS review and er,arcemrni as provided by tnEAA or ether= ,Notify Us in Case at Errors or Quastfans About Your Bill, apolltable.lafi ..<< vi?: to ?,' r M t °flivoa hirkyourV,iswFU,-o,Vifyouneedmore'u'1#orrrat?rabou` Fffe?t,veascf tr,a' stdayaftertheNextClosingCatf iransaction on your b?ll : wt?te us 01 a sFpatate sheer of; r aF on 'the e7?clcsed bih"nqlstatement t"Ei#etttve Dale Survrvai and Severability of Terms: t adders shown on your bil4nq statement across from "Send ararding and resraf?gyour EarKrW Credt Card A Trc?g}tiaf?c SL,,minatlcn'r 'NcticeofEliingErrcr5t,' aSSirir+a;possible,yd2rlJCtlP3rfi.P n(IUdirg $USi!tUtino radding theprQVSOfEi)elvY1. ag?,I c + Agrpeme^t tie Accc4nt or the relaticnsN -Vau ro later ;haw 50 da after we sent you the first gill on which ami c o- : pans In the attached Card AoreamE tie vee! ,,oU nlus -,-cerng tneA? 0U?t'flil hebankrupt j f"^;e err Or or pro-O!E ?are0- Ycu can lac 'ne LS but dnng ? ;,, ierT3 a ,-d p C I ions of ",r exii`Jrio Card Ac,'2 a , Do`lV d , Viii ..ay t: Sfer, aaiII or assiu meet or y'J'jr so w not besotvE "o;r rf iS. r-vU d?4 ^U t° t ? r , ,? ? a?tlisao?ceaad? .-atsa?heu?.a,dy eC^u t 0r a9r afnCUnysOwed on our CCC!>nt to arty of"-.F are: diF c is"J iJ`J{? re#ert'ni2. Per son ?r,@rtl r. ff a y portion Of is caTt itrat,cn r visio11i in your et`er, gltie uS ' s f- livwinq Tfonmalbn,t deemedm aid )r unenforceable, the emainifgpo t'.c sshfll ti L 01 r Etfo,ct jape, the following sections of lpVeri'1eieS remetil in force, AnJ dIfterenf acreerAelt 'i Your ameand w Or it rumber. ems eoad:p" o.`bit,atl0n Tn st tic' agreed to In w'ritlngg . The dalh, ? a,TCLnt i t?;e ecte d o r i+g @, _ni w'iil 4 ame^dea u s?sp r ar upscribi tieer cTP,,rjexptam if -youtani;'tyyoube!IeVethere Arbitration: WeaarepiaciNyour,mentarl-i'rati() yn ??? S 9fierr7ir, if you ne_?, mare,nfornatlon des:rlbe''ie t°IL yCU Mitt a ti ,4 provision, Please read t`?at amendmont c 8te not sue about. Late Fee: 'Ale wi ! craxge alate fee if you fall 'o make TEL€PHONECALLS, par ofourtontintngef'ottomaun n If youhveaut!orit=u shopayyourcreCircaretk?automat,alit'' ,aymentovItsdfedate; ibis [ate Eeewill be: $29 r, a hf? quatRyor ffvke to cur custome-S, teleptione cabs between -frcm your savings cr r,reckinq account, youcan stop tie payment - eaQai to Cr below $99? and $35_ on balances over Cs our employees and cif .ust ?Frs are ; erlodically meni`.ored and on ary amount yyou tMri is wrong To step the pa?rner`. {our fetter rec rood r, a enoom bask, by our supervisory personnel, You mus' ern us th Pe bUs'Iress nays before 'he auMrnatie paymen+ ? Dtfeult Rate Annuatpercentt a Rote for Purchaat unlei rra o tots e d ptve vc?-'orient to any such mop tarlnq al .s sctreduiad to xcur the £ztended Pa meat Pttn: Nye will increase your °ecordu,o as ro P r + epic ,e c311s you have with us. &,May lase PMEHTAGE RATE for thasesma?eonthe Exie r r ?tomafe te;e??on?Epulpm?rt ptereex elephenecaifs',o You -Rights and Our rsponsit»l ties After We Receive Your P!ar afre Awe IQ 200 it your account is 30 days or cxt }yFua u; your ccount lit. telepheneRuimbef. uhave `Wr4ten Notice d e cF . Josed because of default ±a 24,;8"h prow dad is is a wirefass Fhie %,rnber you agree that we cur Wro must arknowiecy, ?-%r le tee oirNq 30 days, u,?ess w-h:ade re ESenrativ?sardagentsraycontact y3 asingthfsnumberat cerre?tedthee,rof0fhen, Withi,190dayswemustethefCOrre^t Minimum AmountNefor EXtiMedPiginntPia AI out expetue. ,f at arty time you do not wish tole cutacted e the error or explain wt,y we believe the R was cxrect, After to The calculation of t!le monthly minimum payment ou for Pis number, please write to us at the address refererKed tie < ,receive your letter, w? cannot try to ucf act any amoot you : r the Lxtend Paym t Klan has ueen ar sec* bteforr f?&d'?,jOb is and allbrig Errors" and pfowce alt, _queatO or report ymi as d2lir*ent. We can contnut, to h#f_ you alte€ttiata Qtmne number „Drthe amount you a4• .turd, i?c?4iin financec ar? ?ees' and can $p"Oi y F" Ate ?l?car h you a fee of $9,95#f 4ply any unpaid amc ;t araulst your credit limit: You do QVs services we may offer which SO you, at your op,5c TOTAL AGREEMENT, Yost agr? that this AgeerneO fs the#aral o pay f Rc 7, ie While We In y y o#i}er than at?t# n to IN pa mt eftpre»lorl of the a eednent tweets you and us and may ? ire std p _ _ p ecastltedby?e11o stat_ dttris QUESTIONS AND 84LUNG ERRDRS. Please notify us as sod ff we find that wa w, a mMalke 06 your bid ou WN root hats t?1 the- Effective Da#e;` lice fauaw?sg sections of Vas possible in case of errors or nest ?r s.`abeut your bd td pay any finance chxw related to ?` q€est d Nattnt eementt?t>e eprevou statement, on any trotter cnncemingyour Account, you carlyrrite ewe didn't make a insole; you may have to pray finance charges tt b45t hand ou wig have, to mite q any ralsser#]:lay marts an the -4A_ s x ; to '4. k 8169, Gray, 875 a or telephone 8?8 67 -ed aL=,r? either , Ire Will send ? t a you e.Afis??I Pttcentsga Rah nix Ctsh,A6, noes: VANCE OF ADDRESS Please notify us of any tharge In Yo T of tl?Iioij ow;? art? e dated itjr dy f pe entagei rate for :ash ?dlrancts t5` Irftteas?q r adftsonthepayMnt skba# YU4 statemen?si€ ? '? ? stage rate for eas Z W 11:141a Varlab? r= teat we' may ad r trecordsF 4f you tag to pay tteam ourit that weIt s you* re t: #rdeXparsa id at kUh cash advanc youas delhgxntFHowever, i e if talon'` Oes? isfy vert6e we ttr cyf7 r3r2U, ?Do ELECTRONIC DELIVERY Of'iNFORMOON'If you `opened dtuandyouwr#etousw fir?tten ayt'teiTtngus hatyottst refuse, vane rate'ort aC='4 be ar perlfl useo your Ac' 001 by Means of theCarevredt Irrternetsite; y u 10 pay, we must tee anyone we reppft youvtb-that-you have a % tZa.? pNltttAt R?CE1tIA? r, . that the foflo*? isforma* maybe transmitted to qau b?lestion abdutyour b,? Asld wernrtsttellyattttenameafanyone cast, advance arurtlt wtent?e late disdlosed electronfcallyifsuctilnfotmation mesav leinanmtronic ;wereportedyouto.Wemustte?anyotewere tycut?tllat-#he e e'??y , ? c?culatori. of mat change of terms and otheru reed nctkes,`b mg yt attet has sett) bp#rvee?t t ?aify slatements tot `k?w Account and another information we are eTmstction Flt tip Gah Ad mt for any ca 4 rer?iredto pioZ to you wttth reswt to your Atcount, If yaadld t lf we don't follow these rules, we can't c?leot the f O k of tf? 'i>blaiW thrbughat ATb oily mm acanv?ien, not opertai use your AcsQdatt bymeafu of the Carredlt interne q urfstlet# arr>rAtiverr if yore bdi was ct v r; u l1or y ether that we coftslder a cash ado tslte, you may notify ut of your?ent to receive ttie abom s Adzeement, you WI pay an Tonal ]FINANCE N! A? #? llf you have a6fem ?vttltthe ?talyof pfiopertj?arenriees that -rte Y' ?` i' auaftabie. 3 i v ypou purchasedwfth a credit card. and you have tr d in ?a f (a th, lrtdtir Used to Datern the ul? ?rriadc Rate ,GOVERNING LAW, This Agreement shall t e governed by ands {a correct t5eproble =, with the rnerchaf t. you may bave the rightro Of be used to d etttinethe Qai#yper?td c rate to cons `ruedir, accordance withthe laws of thestate of South I)Aota r t to pay the rema n ng amount due nn the property Or services rd °ash advances wlf{ be the highest U.S. Prime and , fP federal law Th re are two' m ta`i?-ns OR l* righ#' t,^ the next HOF tenttt of a perce?dl p?ksl>ed la) You must -have m =ne the pu chase in your how state or, f locos eaten rf 7re IVafl-5fteet J?trnal wifn.n Nr? ASSIGtttfENT, WP reser-,? the rlght to assign <yvy or ail of lair ml 04h yrnr hi me state, within 100 ri& of yo;tr turren,i Sys ca r 'r. trot at r ltlii,nq,,het#sf dayor earh t+? rats and obi ions unoer flits Aqf melt to a third party, mailino aJdfms rc bi YFP purchase pr -" mus`. lave neon mere ttran S50. ?pttnfumFinance Chatgt Yeuvvitlgaymrnm? lnper;r,' A 2042 dbbank USA, N:A: h,-se limitations Gc '9f agpry it we O VD Or cPerate tre mefu`an CHARGE Of j59 for each Mono period during which ',1 we n ailed you t v- axkvertisementforthepropertx or servkQS, ?,afge accrues Or your accot;nt es a esult: wt appii tla?tti' periadk raft GarKredtt 9,:520 03102 • What Claims art subject to arbitration? All Claims to your Account, a prior related account, o.' our rely are subject to arbitration, includingq Claims regari application, enforceability; orlntty ekationotthfsAg and this arbitratforVprovislon ? All Ciaimsfare' su k+4r.ii -L& l.-t+__ , 11 4. what remedy (damages, or injunctive•or 7deco ratory relief they seek This includes Claims'based on.contract;ltor (including intentional tort), fraud, agency, your or our« negligence, statutory or regulatory provisions, or any other' sources of law; Claims made as counterclaims, cross-claims,, ihiro•party claims, interpleaders or otherwise; and Claims' made independently or with other claims. A party who initiates a proceeding in court may elect arbitration with respect to any iaim advanced in that proceedin.1 by any other party. Claims ,ind remedies sought as part of ac ass action, private attorney ieneralorother representative action are subject toarbitration ,in an individual (non class, non•re presentative) basis, and the arbitrator may award relief on1v on an individual (non- ,lass, non-representative) basis. Whose Claims are subject to arbitration? Vot only ours and yours, but also Claims made by or against anyone connected with us or you or claiming through us or you, such as a co- Ipplicant or authorized user of your Account, an employee, agent, representative, affiliated company, predecessor or !uccessor, heir, assignee, or trustee in bankruptcy. What time frame applies to Claims subjtct to arbitration? 'aairss arising in the past, present, or future, including Claims arising before the opening of your Account, are subject to arbitration. a Broadest interpretation. Any qquestions about whether Claims are subject toarbitratipnshaliberesolvedbyinterpreting this arbitration provision in the broadest way, the law will allow II to be enforced. This arbitration rovision is governed by the Federal Arbitration Act (the "FA AI What About Claims filed In Small Claims Court? Claims filed In a small claims court are not subject to arbitration, so long as the matter remains in such court and advances only an ;adividual (non-class, nonrepresentative) Claim. How Arbitration Works: How does a party initiate arbitration? If you initiate the ?rbi#ration, yyou must also notify us in writkrg to the Arbitration ,,fficer at P.0. Box 9726, Gray, TN 37615, Once an arbitration 'as been filed, the responding party shall have 30 days from the irate it receives notice of the arbitration request to submit its response. The party filing an arbitration must choose one of the following three arbitration firms and follow its rules and -rocedures for initiating andpursuingan arbi`.ratlon: American Arbitration Association, JAMS, and National Arbitration Forum. Any arbitration hearing that you attend will be held at a place :hosen by the arbitration firm in the same city as the U.S. tlislrkt Court closest to your then current billing address, or at some other place to which you and we agree in writing. You ')ay obtain copies of the current rules of each of the three arbitration firms and forms and instructions for initiating an arbitration by contacting them as follows: kmerican Arbitration Association • Web Site: www.adr.org 335 Madison Avenue, Floor 10 Vew Yorll,,NY 100174605 JAPS P Web Site; www.jamsadr.con 1920 Main Street, Suite 300 rvire. CA 92610 P.O. Sox 50191 Minneapolis MN } 55405 1At any time you orwe may ask an appppropriate court to compel arbitratlon`OfClaims, or to stay theifHgationofClaims pending arbitration even f'such Claims 'are part of a lawsuit, unless a trial has bequrCor a final 'udgment has been entered? Even If'a party faits to exercise t?ese ruts at any'parilcular time, or in connection with any particular Claims, Chat party can still require' arbitration at a later time or. In connection with env other Claims. What procedures and law are applicable in arbitration? t, single, neutral arbitrator will resolve Claims. The arbitrator will be either a lawyer with at least ten years experience ar aretiiedor former'udge, selected in accordance with the ruler. of the arbitration firm. The arbitration will follow procedures and rules of the arbitration firm in effect on the date the arbitration is filed unless those procedures and rules ar- inconsistent with this Agreement, in which case thisAgreemen` willprevail. Those procedures and rules may Omit the discovery availe,le to you or us. The arbitrator will take reasonable steps to protect customer account Information and other conf ip!ential information if requested to do so by you rr us. Thn arbi'?itor will apply applicable substantive law consisten' with t°ie FAA and applicable statutes of limitations, will) honor claim, of pprivilege recognized at law, and will have the power to award to a party an damages or other relief provided `:or under applicable law. ou or we may choose to have a hearing and be represented by counsel. The arbitrator will make an, award in writing and, if requested by you or us, will provide a brief statement of the reasons for the award. An ;ward in arbitration shall determine the ruts and obligations between the named parties only, and only in respect of the Claims in arbitration, and shag not have any bearing on the rights and obligations of any other person, or on the resolution of an, other dispute. Who pays? Whoever files the arbitration pays the initial fdino fee. If we file, we pay: if you file, you pay, unless you et a fee waiver under the applicable rules of the arbitration firm If vol, .have paid the initial fil fee and you preva1i. we wir reimbuurse you for that fee. If there is a hearing, ill pay anyy f,?es of the arbitrator and arbitration firm for the firsl day of tl' It hearing. All other fees will be allocated as provided by the ! des of the arbitration firm and applicable law. 10wever we will advance or reimburse your fees it the arbitration firrr or arbitrator determines there is good reason for res,mring us to do so, or if you ask us and we determine there is gerd reason for r'iing so. Each party will bear the expense of thr party 't 8,t?,neys, experts, and witnesses, and other einenses reo-rdlessofwhkhparty revails,butapart ymayrecoverany or', ' expenses from another party if the arbitrator, applying app:+cable law, so determines. Wt can be a party? Claims must be brought in the name of an: rtiftalperson orentityandmustproceedonan ndividuai (no, class, non epresentative) basis, The arbitr ator will not aw,? d relief for or a )nst anyone who is not a party. If You or -? require arbitration of a Claim, neither you, we, not and oth person may pursue the Claim In arbitration as a clas:- ac6 n, private attorne generataclion orotherrepresentafive acti, n, nor may such Maim be pursued on your or our behail in ?,iy litigation In any court, Claims, including rassiggneo 1,, is,oftwoormore persons maynotbejoinedacnrrsolidated in i +e same arbitration. However, applicants, co-}rrilicanls aul arrizedusersonasingleAccountardjorrelated<KCOUnls or ?tporate affiliates are here considered as one rorson Kh,i is an arbitration award final? The arbitra! I'S awa: r is `? 'al and binding on the parties unless a party a-c!4s it wi nq to the arbitration firm within fifteen days 0 notice o: thr, award. The appeal must request a new arbitr belr r a i- iiel of Three neutral arbitrators designated', e sari, r .?r r, ,1111 C, it ge iti el esi UlI illiel eSI dilU JWW dlU ill e11111 5, ++inil lout lord, o-U,,tL,u+a ?We li.compound interest. x let 4 ,,? advances will be smalier.than yyour credit iimR. Either limit maybe I. i " ' ' inbteasedbrdecreasedb usatanytime, dt?r s alltdon Costs: in the event of del ault,. e'wlll charge you for " ' ho tat Aorneys'fees,collectlonagency fee,%arbittatloi'costs,andcourt We will ly,payments and other credits low I nnu pgrcentagilaces priorto balaru we " will close yourraccblmtand yvu+nusf payW the alanclit that. ou owe us under the"existlng terms. Use of your account after khe Effective Date means that you accept the new terms even If the 25 days have not expired or you have, notified us that you do not agree to the change, he above is a summary of some of the changes being made to your account. Fcr more detailed information, please review the attached `ard Agreement carefully and keep it with your important records. CARECREDIT CREDIT CARD PROGRAM 7e have written this Reva,vinq Credit Agreement ("Agreement") a simple and easy to read language because we want you to nderstand its terms. Please read this Agreementcarefuliit. In this gfeemen you', "your" and "yours" mean the borrowers; "we" m? and our" refer to Citibank USAF, N,A; "Accoun`," means he rc,cl lvinq reeme ne3ns the CareCdredA'rt?Credit Card ssued toffyou gthat can b; "Card" e used 10 make purchases from authorized CareCredit providers. -his Agreement between you and us outlines the terms governing %rAccounl. Yovagree tocomply with andbebundbyy(heterms f this Agreement when you use your Account. If Ihls is a joint '+rrouni, each of you is fully responsible and separately liable for !ha entire Account balance, PURCHASES. You may use your Card to make purchases fro ' areCredit approved professionals under this Agreement. We Gserve the right to revoke or limit the usage of your Card. CASH ADVANCES. We will notify you separately it your Account has a cash advance feature, If your Account has a cash advance, feature we may, at our option, provide you with a supply of convenience checks and you may borrow under this Agreement by writing convenience checks for amounts and purposes consistent; with this Agreement. We may also issue a cash advance check upon r equest and we may provide ATM access in the future. Use of any convenience check, receipt of a cash advance check, or an ATM cash advance will be considered acash advance for purposes of this ` Agreement. You agree that you will not take a cast advance: (1) 11 your Account is in default or cased; (Z) if the cash advance would ,ause the amount you owe on your Account to exceed your cash limit; or (3) if the convenience check is for a payment on your Account. If you do, we may elect not to honor the convenlian(e check. If your Account does not hive a cash advance feature, the lerms of this Agreement relating to cash advances will not apply hi your Account. PROMISE TO PAY. You promise to pay us all of the amounts )orrowed Orickiding amounts borrowed by any person you have authorized to use your Account) plus any finance charge, fees, adjustments or other charges whr: h may be due according to the 'elms of this Agreement. We can accept late payments, partial gayments or checks and money orders marked with words of ,ondilwn or limitation, such as "rkment in full", without losing anv of our rights under this Agre,menf. CREDIT LIMIT, You wok be infi rmed of your credit limit by a separate notice. 11 is the maximum amount you can borrow under lie le, ms of this Agreement. YOU agree not to exceed or attempt l c exceed your credit limit. Y? err available credit will not be ?icreased by any credit balance h: our Account, If your Account Y+rv+wJ11Pdrnlenr5fAnrsucrywarmissrrxt wiltbe andtheterms and ryumtteapyRSterra r Mnpmum$20.00 f=01hZ f YmegtDgeolitrheiiitrttj New lobo hortsof e sp i l p n to wh?h eak ee of relal[WThe special promotion a iicabie,to your purchase, if any,.,.'- rounded to the next'hl doilArri b f unt shown on y wig o specified to you' at the lime of purchase, The specr?'.1' statement; In addition to these amounts 'the Minimum Paym promotions that may be offered include: Due will include any past due amount you awe. We may inci A No iriterestJMonthiy Payment Required No finance charges an additio nal minimum payment for lalCred'rt Plan i offers. will be imposed on your purchase if you pay the amount of will tell you it this is so in the offer. the purchase in full within the promotional period Monthly payments on your purchase are required during this FINANCE CHARGE. Purchases: You can avoid paying fina promotional period, charges on any purchase you make on your Account if: you l B Extended Payment Plan (" E oP"). For purchases that qualify the entire balance of your Account on the previous month's bil for the Extended Payment Plan (EPP) these terms apply statement by the Payment Due Date; and if you pay the er instead of the terms applicable to your revolving purchases, balance shown on your Account by the Payment Due Date sh, All other terms of your revolving account still apply. Each on the current billing statement. purchase under this Plan must qualify based on the minimum purchae requirements in effect at the time of?purchase. CURRENT BILLING PERIOD. You will ppay a Daily Periodic F ANNUAL PERCENTAGE RATE AND DAILY PERIODIC RATE on the Daily Balance for purchases and tht Dally Balance for c FOR EPP. The Daily Periodic Rate for purchases will be advances on your Account each day for the current billing per 03551% for the 46 month plan. This corresponds to an The total periodic finance charge for each billing period is the ANNUAL PERCENTAGE RATE of 12.96%. Your Account of the Daily Periodic Rate charges on the Daily Balance will have a different periodic rate of finance charge it it purchases and on the Daily Balance for cash advances foreach becomes 30 days or more past due or is permanently closed in the billing period The Daily Periodic Rate used in determir because of default. In each even l, the daily periodic rate for the periodic finance charge will be a variable rate, which + purchases will increase to .06844% (24,98% ANNUAL change monthly. The Daily Periodic Rate during each billing p? PERCENTAGE RATE). it you pay the full amount of your will be'/365th of the sum of an Index plus a Margin. The Index Minimum Payment Due on lime for twelve consecutive months be the hioest U.S. Prime Rate (rounded to the next hi her tG (making payments in excess of the Minimum Payment Due of a percent) published in the "Money Rates" section of The will not shorten this period) or you payoff the entire balance, Street irurnal within the 90 calendar day<i prior to, but the daily periodic rate for purchases will be returned to including, the first dayy of each billing perioo The Margin 03551% (12.%% ANNUAL PERCENTAGE RATE). purchases will be 14.73+ aid will be added to the Index, but s MINIMUM PAYMENT. Your minimum payment is based on a purchase rate will never be lower than 20.98%. The purchase i ppercentage of the high balance. This percentage is 2,681%, on your Account as of March 20, 2002, wig be a Dail Periodic t iarcentlance ur m;' m payment will be computed byy multipty1ri tie of .05748% (20.98% ANNUAL PERCENTAGE RATE) . a'r for you r payment plan times he higllrest New increase in the Prime Rate may Increase the applicable D shown or you statements after you open your,,, Periodic Rate, which may Increase the Mprlmum Payment Dui Account or since the last time your New Bafence was zero, ! 'your Account However If ou pay the full amount of the t roundedtothenezthirgrerwhole dollar amount shown onyour Balance each month byt of aytrtentDueDate,nofinancecha statement. Your minimum pa ment amount will remain at will be charged on purchases. For any cash advance obtai that dollar amount until a New Balance shown on your,, through an ATM or by means of a convenience check, or for statement Is higher than the high babe that was used to' of* transaction that we consider a cash advance under -compute your current payment amount. Then it.will be Agreement, youwillpayasaFINANCE CHARGEatransaction recomputed using the New Balance and 2.681%. equal to the greater of $5.00 or 3% of the amount o1 the c if any purchase made pursuant to the promotion specified in A advance. The Margin for each advances wig be 118.73% and wii above is not paid in full prior to the expiration of the promotional added to the Index, but such cash advance rate will never be to period, finance charges on the purchase will be imposed from the than 20,98%. The cash advance rate on your Account as of Mi date of purchase until the put chase is paid In full. As any special 20, 2002, will be a Daily Period Rate of .06844% (24.9 promotionexpires, theincluded speclaipromotion puchasesshall ANNUAL PERCENTAGE RATE), You wig pay a minimum peri: become subject to the standard terms set forth in this Agreement. FINANCE CHARGE of $.50 for each billing period during wI If you become in default under this Agreement, our waiver with anyfinancecharr?accruesonyour Account asaresuitofapeiir:a respect to all your special promotion purchases shall be revoked of the Daily Periodic Rate, The Daily Periodic Rates stated he and all such special promotion purchases shall become subject to will also be charged offer ant)q default order the terms of the standard terms,set forth in this Agreement Agreement. Your Account will have a different periodic rat. finance charge if it becomes 30 days or more past due, PAYMENT PLANS. Regular purchases and special promotion permanently closed because of detauft In each event, the Ma purchases will be separately identified in your monthly billing for purchases wipmcreaseto1813%andwillbeaddedtotheIn statements by plansignations which Catett rize purchases by but such default rate will never be lower than 24.98%. Thhe del Include ter ms f pIexplanationio' the a plansly binknq statements Will Rate of .0684% Account 24.48% ANNUALPPERCEwill be a Dail NTAGE RATE+) you pay the full amount of your Minimum Payment Due on lim, MONTHLY PAYMENT OPTIONS. You may at any time pay the twelve consecutive months (makir? pa menus In excess of entire New Balance shown cn your billing statement, but each Minimum Payment Due will not shorten this period) of you pa?, month you must pay at least the Minimum Pa?ment Due for your the entire bel?ce; the Margin for purchases will be returnP Account, All payments must be mailed or detvered to us at the 14.73%. Currently, the purchase, cash advance and default address shown on your billing statement or by using the envelope annual percentage rates disclosed above may only increase b DAILY Rate t peyment ahea due tubed n emyotppMionowe?toersotl?aedlt 110 90wndr+q roue , Insect" ? ir11a1ntS YOU Owe t0 t don Am. we t#41 the prh?Ges a camel the Card(s) and tefmhait ptrtAaaes ert4tashadrxtns. It You rft to peY ?!Y to us,' WW OKI& tO hOhafSt11Ct* of sumt W*thl tmof we %mmn*wm ?#d 1) arptu+trofthfamalbn ?egar?np Yaur,credttwatt,:r>lss' ' ±" , kir, too Dui ccWcNas casts, Ilr&ft w4houl costs, cart costs and rte words WWW11,0 E ' CREDIT REPORTS, You agree 14 *" mty request A report an CANCELLATION. Youmay?cancel Account at ryI?n#by,, (ron+acrMrtGurt?utromtimetof +e?+camcibmw?ihy eitog to P.O. Box 9713, Gray IN 1615. We maY carxel a cation and any resullinq wmj or itew r"w Account and rmlit YOLK credit ,xir4ges at any limo. If yw eS ltl;i0r1 of the Account, Upom y rNtst . *# ;111 advise You Account is camctled, you wig remain liable for as mols that you it rt otta in a cr eoit resat and we *W j, ,e you t4 credt ourWs ;We as, lxany owils that had not bw t to ym n" and dress ` Account &Ithe timtofcarrceeatiO UDGA cM00ation ono womgxmallgtwittocredit repalm-:3?emceach rn-onth.ltyou longer Dt able to use yr" Account a convence=andy0U besets that our Copt of yw Acme pr'' Status IS NIaccI att or oroftse to rttum yap' Urdu) to a km*teWile to; Cftdd E. r exr Ciut VndKation, P.0. Dot 90, day, IN 37`615. CHANGE Of TERMS. WAY 0,9411thtttrms of this 4 of "Wt the to time by S q you a Witten notice as regw Id by abif law. We may aGgiy any such c to the oukstndn? bal+ce of your Account on the etfectrv? of the than? and to any charges made Of that date, It YOU do teat free to the Charge yflu mast ttOtdY ? ? writrhg no {stet than ? days otter the a frc,tree dale of Vie charje at the We$$ ?Oeided n'he ?rike of ttK ch ut WhlCh cast your AccaKrt xdi be ctos?i and you no pay us the bade Ihat you oat us ua5llr It* 1110N !elms of the unctunged Agreemeet. Otian` , YOU401 have g?reed to the changes in the settee. use of Ito Card Mt,r fhe aflettlv4 date of the change Will be deemed a<teplance of I?^ rata ?{m; ovate d the 25 days have vt a+pred and eve _ `!m ?[ev!t?usly?Old»d usi'?alrtrr.?A?alagrPetofit?thr9?` ?'x?' hoses may ?Aide, but ? e rr ` 4Kn?ted ta, r hangts n t'>F `'u? +`e«enlage Rate and peric& t rtes JOINT ACCOUNT, let ;rr, ?s a FTJ krr._pt ; n W,{' rrlhrSAgroement?beitQea('+4'+?ri?!dlbx?o?at">r? ti ?:,yt t14 f ! m? patty Io i, A ?„nin?rvCe!¢tQi?'^;'?sist+wrtNls`r ,t n?may,3' ?? to h ?[ty liV N ??d1 t .1 "? mon 01 0or bOXII to late k11 to tl ht to iQt ent t PEtf , i IS Vega pant l geTf a Choi pyres a a cMct You hate wtlNen on t td par t+? of fQu rtQtxs! werdenct duck you bare written. HINESS. `he com**d use of th+s in of the ?si>rb1 crtdlt WWII n, s t na;Tp'AYMiJY1 >? tn 0 to stop paynxnf'a+ a I to anV a alICard(st, wwt n to future CONTINUED CREDIT1Vf we, at out ODWL may Account amd the ca?tinc Ms p+et we pr to oar cantk?u rt1 urre In the b roof C /t>?' ARBITRATION; PLEASE READ THIS PROVISION OF THE AGREEMENT RESOYTEIION, DISPUTE LVED BY BINDING ARBITAT RIGHT TOSA THE RIGHT TO JURY AND THR GTO OURT, t r 0 PARTICIPATE N A CUSS ACTION OR SIMILA,t PROCEEDING. IN ARBITRATION, A DISPUTE '?, RESOLVED BY AN ARBITRATOR INSTEAD OF A JUDGE OR JURY. ARBITRATION PROCEDURES At' SIMPLER AND MORE 0MIIED THAN COURT PROCEDL +<ES. A?rtemenl to ArNtralc r ? a d?:.° la n 1. ^r aq x^ h0a'. hr 'I,f3r you ? s! !R `f mr?dit'rat:on txy?aim Cr nr n,n, ?tva?? ro i #nd r.tc?«ed s?an's" SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor {: ¢ AH - 7 AM q, 2 7 Y'DINISYLVANIA Asset Acceptance LLC VS. Kristi Osterling Case Number 2012-3271 SHERIFF'S RETURN OF SERVICE 05/30/2012 12:44 PM - Elizabeth Muller, Deputy Sheriff, who being duly sworn according to law, states that on May 30, 2012 at 1244 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Krisit Osterling, by making known unto herself personally, at 2007 Dickinson Avenue, Camp Hill, Cumberland County, Pennsylvania 17011 its contents and at the same time handing to her personally the said true and correct copy of the same. SHERIFF COST: $43.00 June 04, 2012 ELIZA ETH MULLER, DEPUTY SO ANSWERS, RON R ANDERSON, SHERIFF (C) CountySuite Sheriff, Teleosoft, Inc.