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Home My WebLink About12-3912Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie A. Brown, Esquire PA Bar # 94055 Portfolio Recovery Associates, LLC 140 Corporate Blvd. ,-? ? § ; a TA 11; Norfolk, VA 23502 TELE: 1-866-428-8102 FAX: 757-518-0860 ` T Attomeys for Plaintiff F r rn F P, It A ?? `t? C Q U N' T P7 i J L Y IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 140 Corporate Blvd. 1 Q. rI L?,a Cl VI Norfolk, VA 23502 No. J Plaintiff V. WILLIAM ZELNER 219 W DAUPHIN ST ENOLA PA 17025 Defendant NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action withing twenty (20) days after this Complaint and Notice are served, by entering a written appearance, personally or by an attorney, an 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 of any money claimed or any other claim or relief requested by the Plaintiff. You may lose money or property 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. Lawyer Referral Service - CUMBERLAND County Bar Association Court Administrator 32 South Bedford Street Carlisle, PA 17013 (717) 249-3166 Pennsylvania Lawyer Referral Service (800) 692-7375 ?Iv3.7 This communication is from a debt collector and is attempt to collect a debt. pd at Any information obtained will be used for that purpose. TO C ? a-rlb7I Robert N. Polas, Jr., Esquire PA Bar # 201259 • Carrie Brown, Esquire PA Bar # 94055 Portfolio Recovery Associates, LLC 140 Corporate Blvd. Norfolk, VA 23502 TELE: 1-866-428-8102 FAX: 757-518-0860 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 140 Corporate Blvd. Norfolk, VA 23502 Plaintiff No. V. WILLIAM ZELNER 219 W DAUPHIN ST ENOLA PA 17025 Defendant NOTICIA USTED HA SIDO DEMANDADO/ A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes paginas, usted tienen que tomar accion dentro veinte (20) dias despues que esta Demanda y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defensas o obej ciones a las demandas puestas en esate contra usted. usted es advertido que si falla de hacerlo el caso puede proceder sin usted y un juzgamiento puede ser entrado conta usted por la Corte sin mas aviso por cualquier dinero reclamdo en la Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. usted puede perder dinero o propiedad o otros derechos importante para usted. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSGUIDA. SI USTED NO TIENE UN ABOGADO, VAYA O LAMME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN ABOGADO. SI USED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS. QUE PEUDAN OFRECER SERVICIOS LEGAL A PERSONAS ELGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. Lawyer Referral Service - CUMBERLAND County Bar Association Court Administrator 32 South Bedford Street Carlisle, PA 17013 (717) 249-3166 Pennsylvania Lawyer Referral Service (800) 692-7375 This communication is from a delft collector and is an attempt to collect a debt. anv infonn.ation obtained -will be used for that purpose. Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 Portfolio Recovery Associates, LLC 140 Corporate Blvd. Norfolk, VA 23502 TELE: 1-866428-8102 FAX: 757-518-0860 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 140 Corporate Blvd. Norfolk, VA 23502 Plaintiff No. V. WILLIAM ZELNER 219 W DAUPHIN ST ENOLA PA 17025 Defendant COMPLAINT 1. Plaintiff, Portfolio Recovery Associates, LLC is a Delaware Limited Liability Company with offices located at 140 Corporate Blvd., Norfolk, VA 23502. 2. Defendant WILLIAM ZELNER, is an adult individual with last known address of 219 W DAUPHIN ST, ENOLA PA 17025. 3. It is averred that Defendant was indebted to GE MONEY BANK F.S.B. / LOWES on July 11, 2003 with account number ************1147 (hereafter referred to as "Account"). A copy of the account history is attached here to and collectively marked as Exhibit "A." 4. By using the Account, Defendant agreed to repay any incurred balances and/or charges made to the Account pursuant to the terms and conditions governing said Account. Failure to pay Defendant's incurred charges on the Account is considered a default. 5. At all relevant times material hereto, Defendant has used said Account for the purchase of products, goods and/or for obtaining services. This communication is from a debt collector and. is an attempt to collect a debt. .any infi-)rrnatiori obtained will be used for that purpose. 6. Defendant was provided with copies of the Statements of Account showing all debits and credits for transactions on the aforementioned Account to which there was no bonafrde objection by Defendant. 7. Defendant was in default with respect to that debt for failure to make the required payments on the Account. The last payment made on this Account was on January 6, 2010. 8. Plaintiff is the purchaser, assignee and/or successor in interest GE MONEY BANK F.S.B. / LOWES and Plaintiff is now the holder of the Account. A true and correct copy of the affidavit is attached hereto and collectively marked as Exhibit "A." 9. As of the date within Complaint, the remaining balance due, owing and unpaid on Defendant's Account, as a result of Defendant and/or any authorized user's use of said Account is in the sum of $5,492.15. 10. Despite reasonable and repeated demands for payment. Defendant has refused and continues to refuse to pay all sums due and owing on the aforementioned Account, all to the damage and detriment of the Plaintiff. 11. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. WHEREFORE, Plaintiff respectfully requests this Honorable court enter Judgment in favor of Plaintiff and against Defendant, WILLIAM ZELNER, in the amount of $5,492.15, plus costs of this action and any other relief as the Court deems just and reasonable. Oct Robert N. Polas Jr., Esquire # 201259 Carrie A. Brown, Esquire # 94055 11-80618 This communication is from a debt collector and is aii attempt to collect a debt. Arty information obtained will be used ft--)r that purpose. VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, Mary L. Mooxe hereby states that he/she is authorized to take this verification on behalf of said Plaintiff in the within action and verifies that the statements made in the foregoing Complaint are true and correct to the best of his/her knowledge, information, and belief, based upon information provided by the Plaintiff. The undersigned understands that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904, relating to unsworn falsification to authorities. Date : JUN Q 6 20V B 4 Y L. Moore Oustodian of Records 11-80618 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. EXHIBIT A This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. PORTFOLIO RECOVERY ASSOCIATES, LLC 140 Corporate Boulevard Norfolk, Virginia 23502 Telephone: 1-866428-8102 Fax: 1-757-518-0860 Statement of Account Account: ************1147 WILLIAM ZELNER Account Holder: WILLIAM ZELNER 219 W DAUPHIN ST ENOLA PA 17025 Consumer Account Product Code: PVT Issuer: GE MONEY BANK F.S.B. / LOWES Assignee: Portfolio Recovery Associates, LLC Account Number: ************1147 Date Account Opened: July 11, 2003 Date of Last Payment: January 6, 2010 Date of Charge Off: August 10, 2010 Balance at Purchase: $5,492.15 Purchase Date: August 31, 2011 Balance at Charge-Off: $5,492.15 Less Payments: $.00 Balance Due: $5,492.15 11-80618 GECM 16 This communication is from a collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. AFFIDAVIT State of Virginia City of Norfolk ss. Mary L. Moore I, the undersigned, depose, affirm and state as follows: Custodian of Records, for Portfolio Recovery Associates, LLC hereby I am competent to testify to the matters contained herein. 2. I am an authorized employee of Portfolio Recovery Associates, LLC, ("Account Assignee") which is doing business at Riverside Commerce Center, 140 Corporate Boulevard, Norfolk, Virginia. I am familiar with the policies and practices, as well as the books and records of Account Assignee with respect to the matters stated herein. This affidavit is based upon my personal knowledge of Account Assignee's record keeping system and my review of Account Assignee's records, including a review of the business records transferred to Account Assignee from GE MONEY BANK F.S.B. / LOWES ("Account Seller"), which have become a part of and have integrated into Account Assignee's business records, in the ordinary course of business. 3. According to the business records, which are maintained in the ordinary course of business, the account, and all proceeds of the account are now owned by the Account Assignee, all of the Account Seller's interest in such account having been sold, assigned and transferred by the Account Seller on August 31, 2011. Further, the Account Assignee has been assigned all of the Account Seller's power and authority to do and perform all acts necessary for the settlement, satisfaction, compromise, collection or adjustment of said account, and the Account Seller has retained no further interest in said account or the proceeds thereof, for any purpose whatsoever. 4. According to the records transferred to the Account Assignee from Account Seller, and maintained in the ordinary course of business by the Account Assignee, there was due and payable from WILLIAM ZELNER ("Debtor") to the Account Seller the sum of $5,492.15 with the respect to account number (************1147), as of August 10, 2010 with there being no known un-credited payments, counterclaims or offsets against the said debt as of the date of the sale. 5. According to the records of said Account Assignee, after all known payments, counterclaims, and/or setoffs occurring subsequent to the date of sale, Account Assignee claims the sum of $5,492.15 as due and owing as of the date of this affidavit. Port lio Recovery ssociates, LLC Moore , Custodian of Records to before me on Hof Q 20V , 2012 Notary 11-80618 Ayiesha N. King ommonwealth of Virginia Notary Public Commission No. 7509711 My Commission Expires 05/31/2015 'This communication is frorn a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. BILL of SALE GE !Money Bank PRA 180-dav Mid Prime - August 2011 For value received and in further consideration of the mutual covenants and conditions set forth in the Forward Flow Receivables Purchase Agreement (the "Agreement"), dated the 20'' day of December, 2010 by and between General Electric Capital Corporation, a Delaware corporation, GE Money Bank, a federal savings bank, and Retailer Credit Services Inc, a Delaware corporation (collectively "Seller") and Portfolio Recovery Associates, LLC ("Buyer"), Seller hereby transfers, sells, conveys, grants, and delivers to Buyer, its successors and assigns, without recourse except as set forth in the Agreement, to the extent of its ownership, the Receivables as set forth in the Notification Files (as defined in the Agreement), delivered by Seller to Buyer on August 20, 2011, and as further described in the Agreement. GE Money ank f By: Title: CFO Retailer Credit Services Inc By ?????.o Title: President General Electric Capital Corporation By: ? Ti tle: Vice President GICA4 j (v Find a lower price and we'll r?natch it PLUS bdes EVERYDAY ES ! PRICES an add? 10% ¦ GUARANTEED' busydey Low Prison Crrarnr- 'sit Lowe% 'YYe 0a.1" ow Mommy aeeowrw Piro. 9 yal M o War Movie a AhW Wl Ma m a pwsea Pea Maw it my loaf ner c m=ar to W la rm M do* wit breMr pla y t0Y wlw. rw.?e h. ua awcr4erllraw?llYn anrrw4 «wnryrMib rrlrnl aiw anew Wes rW. li=ar=are+wl env w=mpeitorn amlol Mkb? Ir ?'1. tMrKw. grrYow W lou=r lases adrM son sAe o/r Oe MRrM d rK ww ri1 mtla No low.yuw?araplawla*rwrwamergiawtrwniaar+rnpap.auaw@ rdi?www' eirrMa'«ra an Imokl WA NwRa Ytltaoo b anltlr cloak Lowe'e Credit WILLIAM B ZELNER visit us at www.lowee.eomicredit Card Account AccountNhmhbar -1147 Customer Servke: 141(10488-0158 Summary of Account Activity Previous Balance $5,492.15 Payments $0.00 Other Credits $5,492.15 + Purchases/Debils $0.00 + Fees Charged $0.00 + Interest Charged $0.00 New Balance $0.00 Credit Limit $4,940.00 Available Credit $0,00 Statement Closing Date 08/10/2010 Days in Bitting Cycle 28 Now Balance $0.00 Minimum Payment This Period $1,540.00 4nount Past Due $O.DO fatal MMYrsan Payment Due $1,540.00 Payment Due Date 08/1312010 Late Payment Waming:lf we do not receive your nininxm payment by the date listed above, you may have ) pry a Isle fee up to $35.00 and your APRs may be nrieased up to a Penalty APR of 26.99%. Transaction Summary Tran Date Post Date Reference Number/ Description of Transaction or Credit Amount Invoice Number 08/10 08/10 CHARGE OFF ACCOUNT-PRINCIPALS ($4,498.74) 08110 08/10 CHARGE OFF ACCOUNT *FINANCE CHARGES' ($993.41) FEES TOTAL FEES FOR THIS PERIOD $0.00 INTEREST CHARGED 00/10 08/10 INTEREST CHARGE ON PURCHASES $0,00 TOTAL INTEREST FOR THIS PERIOD $0.00 2010 Totals Year-to-Dab Total Fees Charged in 2010 $0.00 Total Interest Charged In 2010 $253.79 PAYMENT DUE BY 5 P M (E ll ON THE DUE DATE NOTICE: We may convert your Payment into an electronic debit Sae reverse for details, Billing Rights Information and other important information. 7009 %5G 1 5 10 100810 Z R PAGE 1 of 3 9294 0010 D001 01CN7009 Detach and mail this portion with your check. Do not include any correspondence with your check. -I Account Number: 14 7 Total Minimum Amount Payme nt L' ' Payment Due Past Due Ow Dale ' S 1 E1,540.00 $0.00 08/132010 $0.00 Payment b ? $ Please use blue b lack ink. ? ? ? ? ? ? a New address or small? Print changes on back. WILLIAM B ZELNER 219 W DAUPHIN ST ENOLA PA 17025-2210 Make Payment to: LOWE'S/GEMB P.O. BOX 530914 ATLANTA, GA 30353-0914 this statement, your access to information on the account maybe limited. You may also mail questions (but not paymen(s) lo: P.D, Box Pymsrds: Sentl paymerdsto the address listed onthe remit portion of this statement or pay on fine. NMka: See below for your Billing Rights and other important information. Telephoning about billing errors will not preserve your this under federe law To preserveyourrights, please wdteto ourBiing Inquiries Address, PO Box981401. El Paso, TX 7989&1401 Purchases, returns, and payments made just prior to billing date may not appear until next month's statement. When you provide a check as payment, you authorize usesherto use information from yourcheck to make aone-hmeelectronic fundtransfer from youraccount ortoprocesethe payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds maybe withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. You may choose not to haw yourpyment eolwebdslsdronfeally by wsndirp your payment (with the payment stubh Inyour own snvslops- not If you think there sanerroron yourslalemerd, wriletous at: GE Money Bar* PO Bo(981401, El Paso, TX 7999&1401 In your IdW,, give us the following information: Account adarretlart Your name and account number. DO& amount The dollar amount Of the suspected error. DescrOft of Problem: If you ifrintktherel san errormyourblk, describe what you betevesmongandwhyyoubake it'samstales. You must mnact us within 60 days after the error appeared on your statement. You mud natty us of ay potential arras h writing. you may Cal us, but if you do we are not required to investigate ary potentel errors and you may havetopytheamou t in qurestipm While we to eSWe whether or not there has been an error the tol o nrig aretrue: • Wei cannot try to collect the amount In question. or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue tocharge you interest on that amount Bug, If we determine that we made a mobska, you will not hags to pay the amount in question or any interesta other lees [elated ioBat amotrt. • W119youdonot nawtopaytheamwainqu eslion,youareresponsible brtlieremaiidercfy unbalance. f Y RyMaM1ourAra ?dN *kNlrGafternilAaelm»s If you aft dssalfaled with the goods or servos that you have purchased with your sent card, and you have tried in good faith to correct the problem with the merchant. you may have the"rot In pay the remaining amount dueonthepunitees. To useths right, all of the fokowktgmust betrue: 1 The purchase mud have been made in your hone date or within 100 miles of your curerl matlrmg address, and the purchase price must have been morel en SN. (Nab: Nothad thesearens cess"d youpumhme, was based man a0vertimment we mailed oyou, Ord weown the comp" thataoldyouthegoods orservicee.) 2. You must halousesyour credit card forthe pumhess. Purchases made with cash advanom from an ATM or with a credit that accesses your aed t ca rd accort do not qualfy 3 You must not yet have fu y paid lorlhe purchase. If all of the CMWM above are met and you are still dissatsled with the purchase, curled u n wirl ngst: GE Money Bank PO Bar 981401, El Paso, TX 7999&1401 While we investigate, the same rules apply to the disputed amount as discussed abate. Aker we finish our investigation, we will let you our decision Attletpokt kwethh*ycuowanamounandyoudonotpaywe meyreport you amdeknqueM. fn&vm@Um Abed Paymanls: you may, pay mom flaw the Tom / k*l Phkm"ataV*w. Paymema mceked ater5:00 PM (ET) on arv day will ec led as of the nod day. Credit to your Account may be delayed upto dye' payment (a)sFlat receivedat ttsPaynsntAddress, (b) is not made in US. dollars drawn an a US. financial institution located in the US.. (c) is not accompanied by 8e remittance coupon attached to your statement, (d) mftaks more than one payment or remittance coupon, (e) is not reeeNed In the remittance envelope provided or (Q includes staples, paper dips, tape, a filled check, or correspondence of any MR Condaorsf Pamsrda At wtDen communications concerning disputed amounts,inchdirganycledcor*wpaymentnstmmentt at:(I)ndicates that the payment constitutes 'payment in lull' or is tendered as hill satsfachont of a disputed amount or (ii) is terndered with other condlions or limitadas {'Disputed Payments'), must be mailed or delivered to us at P.O. Box9814O1,ElPao, TX799g8-1401. Credits To YourAceoamt An amouil shown in parenhess or preceded by a minus (-) sign Is a aedt or aedd balance unties Otherwise indicated. Creels will be applied to you previous balace Immediately upon receipt outwit ratsasyay requiredpaymenithat may bedue. Cr#M Reports And Amount htbralatlan: g you believe that we have reported Inca ras information about you to a mrsunrer ruporgn g ageraX please contact us A PO Bak 981400, EI ?sP o, TX 7M 1400. In dokg z please identify the inaccurate information and hat us wry you believe it is somas. IF you here a copy of the a" report that itdudes the ineccurste infamalon, please Include a copy of that report W a may report information about you accent to aedl bureau. Late pymens. missed paymerls. or odwdetUbonyouammi dmayberelWadinyouro-amport. Bafraee subset To fdaraaf ch"e cakdoon Mslbad 2D (Ddy Balance mwlw* We figure the interest charge on your account by applying the pedodc rate to tfe'dagy balance' of your acmunt for each day in the billing cycle. We then add the interest to the daiybdance. Togalthe'daily balluce'wetake thebeginning balaloaof your account each day (which includes unpaid interest). add any new charges, and applicable fees, and sutmtrect any paymernts a aedgs. This gives us the daty balance. Any day balance of Was than zero will be treated as zero. A separate daily balance wig be calculated for each balance type on your account. The baerce(s) shown in the Interest Chargesseclicn of the statement isthe sum of thedailybalances (preach daynthe billing grAdivided bythe numberof days knthe bgigcyde. Mehod 21A (AmW Daly Bottom InrArdhp ourmiltransactlons): Wefiguw the interest charge on your account by applying the periodic rate to Ihe'averege daily tod nce' of your account. To got the'everage daily balance' we take the beginning balance of your amount each day, which includes any unpaid interest charges horn the previous billing cycle, add am new charges, and applicable lase and sulAW any payments or credits. This gives us the dally balance. Then, we add up at the daily balances forthe billing cycle and divide the total by the amber of days in the bflig cycle This gives us the average daily balance," which Is the balance shown in the kterest Charges section of this statement. Any avaagedaybaiaceo(MsthatzaowDbetreasdeszom. Asepaate average daily balance will be calculated for each balance type on your account. Mehod 30 (Dagr Bdnnm sadnrdhng claimed Vanmsel ons): We figure the interest charge on your amour by applying the periodic rate to the 'dally balance' otyps account for daym the NDng cycle To got the 'dally besrae' we tale tie beginning balance of your amount each day, add any interest and appkablekes and subtract only payments or crests. We do not add in ay new charges. This gives us the dailybalance. Any daly balance of less than zero will be treated as zero the balance(s) shown in the Internal Charges section of this statement is the sum of the daffy, balances for each day in the billing cycle divided by the number of days in the billing cycle. A separate daily balance will be calculated for each balancetypemyouramoun. Method S(Awrelp Day Bauman wxu hrdhq curumed lrrafatbm and unpad btaW chagss): We figure the interest charge an your account by applying the periodic rate to the 'average daily balance' of your account. Toga the'averagedaiybalarae'wetakefhebegimngbalance of youramount each day, add appkcable kssand subtract any payments, creditrtand unpaid informal charges from the previous b" cycle. We do notaddinaynewcharges Thsglvesusthedaybaance Thern,weadd up all the day balances for the billing cycle and divide the total by the number of days in the biing cycle. This gives us the 'average daily balsi which is the balance shown in the Interest Charges section of this statement Any average dally balancsof leas than zero will betreated as zero. A separate average daily balance will be calculated for each balance type anyourwcDurd. 11i 8(AvrmpDotyBao mbndudhrpeurrmedtrantaetlorssand sedadrq unpaid Interest du rys)c We figure the interest charge on youramoard byappyngthe periods raetothe "average day balance' of your account. To got the'averegs dilly balance' we lake the beginning balance of you accost each day, add any new charges and applicable fees and subtract any payments, credits N d unpaid Interest charges from the previous Wing cycle. Ths gives us the daily balance. Then, we add up all the dairy balances for the billing cycle and divide the total by the number of days in the b* g cycle. This gives to it* 'average daily baarce,' which is the balance shown in the Interest Charges section of lhisstatement. Anyoveregedalybalance ofless than zerowikbetreated as aro. A separate average dairy balance will be calculated for each balancetype onyouraccoum. Btalrrrplcy Noun If you file bankruptcy you mast send us notice, including account nunberandal knbrmation relatedtotheproceedngtothe folowklg address GE Money Bank, Attn: Bankruptcy Dept., P0. Box 103101. Road, GA30076. Naar KVgiBowamdmdsrvkadbyGEMonsyBorA Nsvighnpand: TDDnsescali 1-800.444-1732. OICN7009-3-061282010 This is an attempt to coked a debt and any Information obtained wig be used for that purpose. 'By pmvidirng a telephone number on my account. I consent to GE Money Bank and any other Owner or servicer of my amount cadading rte about my account, Including using any contact information orcelf phone numbers I provide, and I corset to the useof my automatic telephonedialing system andfor an artifictaorprerrecorded voloewhen contacting me, even k 1 am charged forthe call undermy phone plan. For changes of address, phone number and/or email, please check the box and print the changes below Name Street ? Address City, St Zip Phone # E-mail Home Phone # Business Phone # Cell # or other phone # we Email Address can use to contact you By providing your email address, you agree to receive email mmimurdcatio s about your account and also gwe permission or us to share your small address to Lowe's. Find a lower price and well match it PLW taft LERYDAY • PRC ? na 10% ?l GUARANTEED' Evwyft Low P*m GNraaaaad at Law'a 'Wa prat ae= eanyrwe rer? r pa rr a r..r «eryeya rawir?a ten a a Ieaed fatlc Nee a ay aal rsma amretllr tml as ss tan in axk raj MtMilA Wirlr hyiwa ia.ArbMp r MaoAlalrt amyl r. aM11 tat Ywy M Mrnkplr tlrYai RM Mnd CNMlaae W M airy Wataa aay a7aerarat areal reads era, dYrrpM, damp. slwianra M degas Wear ameW tam ae asa Oa MRSe M ears w ret era ar LortmyaterYr DrkL PilapiriYbiMM1aLawY*nW bulaaaMl?lBrrWa O nYWA"A W gMprranMaA Yl air emWh an Ima4011ata Pnpp,lMataaa M aaeaa arsit Merest Charge Calculation lour Annual Percentage Rate (APR( is the annual interest rats an your account. Expiration Annual Balance Subject Interest Balance typed Balance Dab Percentage Rate To Interest Rate Charge Method tppdar Purchases NA 28.99% $0.00 S0 00 2D Impwbmd Account Wormadw The yaw b data information shown on this statement reflects a partial yew, starting from the time the edormation first appeared on your Ming sfNenKnt. 7009 XSG 1 5 10 100810 Z X PAGE 2 oL 3 9294 0010 D001 01C 7009 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson '' Y Fit ..i.J'i?f r"s u Sheriff H OTHMFTI0 Jody S Smith ?trxtr of G1;11bpr/4114 Chief Deputy 2N2 JUL -3 APB 8: 24 Richard W Stewart ruMBEgLAND COUNTS Solicitor P;'14NSYLVANIA Portfolio Recovery Associates, LLC vs. Case Number William B. Zelner 2012-3912 SHERIFF'S RETURN OF SERVICE 06/27/2012 01:00 PM - Michelle Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on June 27, 2012 at 1300 hours, she served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: William B. Zelner, by making known unto himself personally, at 219 W. Dauphin Street, Enola, Cumberland County, Pennsylvania 17025 its contents and at the same time handing to him personally the said true and correct copy of the same. MICHELLE GUTSHALL, DEPUTY SHERIFF COST: $43.00 June 28, 2012 SO ANSWERS, 2 a ------ RONW R ANDERSON, SHERIFF July 5, 2012 William Zelner 219 W Dauphin St Enola, PA 17025 RE: Case NO: 12-3912 Civil Portfolio Recovery Associates vs William Zelner Robert N Polas, JR Carrie A Brown Portfolio Recovery Associates LLC 140 Corporate Blvd Norfolk, VA 232502 866-428-8012 Response to Summons: 1. I hereby deny all of the claims listed upon the Complaint. r-. M i?t S r 2. 1 do not owe the amount of monies stated upon the Complaint to the Plaintiff and/or any agent thereof. 3. 1 hereby demand verification of the alleged debts (including, but not limited to, a copy of a fully executed original credit card agreements with my signature on it proving I have agreed to the terms and conditions of the agreements) be provided to me as required by the Fair Debt Collection Practices Act and/or I have already demanded same and same has not been provided to me in violation of the Fair Debt Collection Practices Act. William Zelner FILE-1-072E Carrie A. Brown, Esquire PA Bar#:94055 Robert N. Polas, Jr, Esquire PA Bar#: 201259 n 11.'11- I M=`i II: { I Portfolio Recovery Associates, LLC iA=a , aEF�a � COUNTY 120 Corporate Blvd. , , Norfolk, VA 23502 t°Lre�°i S'(Lt'ANIA TELE: 1-866-428-4102 FAX: 757-518-0860 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION—LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 Corporate Blvd • Norfolk,VA 23502 Plaintiff No. 12-3912 CIVIL v. • • WILLIAM ZELNER • • Defendant PLAINTIFF'S FIRST REQUEST FOR ADMISSIONS INTERROGATORIES AND REQUEST FOR PRODUCTION OF DOCUMENTS Plaintiff demands that Defendant answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days from the date of service hereof. Plaintiff also demands that Defendant answer and respond to the following Request for Admissions pursuant to Pa. Rule of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: 1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made. 2. If you do not admit each of such statements, you must specifically deny each one not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for the Plaintiff within thirty (30) days after delivery hereof. 4. If you fail or refuse to admit the truth of any such statement of fact and the Plaintiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses incurred in making such proof, including attorneys' fees, witness expenses, etc. 5. If, in response to any of the following statements of fact, it is your position that the statement is true in part or as to some items, but not true in full or as to all items, then answer separately as to each part or item. 6. If you have been sued in more than one capacity or if your answers would be different if answered in any different capacity, such as partner, agent, corporate officer or director or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. 7. In these Requests for Admissions: A. The word "person(s)" means all entities, and, without limiting the generality of the foregoing, includes natural persons, joint owners, associations, companies, partnerships,joint ventures, trusts, and estates; B. The word "documents(s)" means all written, printed, recorded, graphic, or photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any manner to the subject matter indicated; C. The words "identity", "identify", "identification", when used with respect to a person(s) means to state the full name and present or last known address and business address of such person(s) and, if an actual person, his present or last known job title, and the name and address of his present or last known employers; D. The words "identity", "identify", "identification", when used with respect to a dated, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the name(s) of the addressee or addressees if any and the name(s) and address(es) of each person who have possession, custody, and control of said document(s). If any such document was, but is no longer in possession, custody, or control, or in existence, state the date and manner of its disposition; and E. The word "identify", when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means to (1) described the substance of the event or events constituting such an act, and to state the date when such an act occurred; (2) identify each and every person(s) participating in such an act; (3) identify all other person(s) (if any) present when such an act occurred; (4) state whether any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identify the person(s) presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. 9. These requests are of a continuous nature. These Requests for Production of Documents shall be deemed continuing so as to require supplemental answers and documents if any information of documents are acquired subsequent to the filing of responses hereto, which information or documents would have been included in the answers and documents produced had it been known or available at the time the answers and the documents provided pursuant hereto produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such information becomes known or available and in all events, prior to trial of this action. If objection is made to any requests for production of documents, it is demanded that the requests for which there is no objection be answered and furnished within the aforesaid period. All documents identified in response hereto shall be organized and labeled to correspond with the request to which it pertains. For all documents produced, list the individual and his or her job title and department from whose file it was produced and all current custodian of said document. If a document called for it is believed to exist or is known to exist, but is in the possession, custody or control of another person or party, the existence of the document, the identity of the possessor, custodian and one in control of such documents shall be provided along with any applicable common description or citation utilized by the publisher, possessor, custodian, or disseminator of such document. If any document called for by this request is withheld on the basis of any claims of privilege or any similar claim, identify that document as follows: author, addressee; indicated or blind copies, dated, subject matter; number of pages; attachments or appendices; all persons to whom distributed, shown or explained; present custodian; and nature of the privilege or similar claim asserted. REQUEST FOR PRODUCTION OF DOCUMENTS 1: Produce any and all documents evidencing proof of all payments on the subject credit card referenced in the Complaint, including, but not limited to, cancelled checks, receipts, coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries, diaries, charts, lists, phone records, data compilations etc. REQUEST FOR PRODUCTION OF DOCUMENTS 2: Produce any and all documents you intend and/or provide testimony on as evidence at the time of the trial. REQUEST FOR ADMISSION NO. 1: Defendant applied for the Credit Card referenced in the Complaint. Admitted Denied If the answer to Request for Admissions No. 1 is "denied", then supply specific written documentation supporting the denial. REQUEST FOR ADMISSION NO. 2: Defendant has failed to make all required payments on the credit card. Admitted Denied If the answer to Request for Admissions No. 2 is "denied", then supply specific written documentation supporting the denial. REQUEST FOR ADMISSION NO. 3: The attached monthly statement correctly identifies the balance on the account. Admitted Denied If the answer to Request for Admissions No. 3 is "denied", then supply copies of canceled checks, both front and back, and/or if not available, specific written documentation supporting the denial.. REQUEST FOR ADMISSION NO. 4: Defendant has not submitted any written dispute as to the billing inaccuracy concerning the credit card in question during the time the account was opened on July 11, 2003 until the last payment date of January 6, 2010. Admitted Denied If the answer to the Request for Admissions No. 4 is "denied", then supply copies of specific written disputes as to any billing inaccuracies REQUEST FOR ADMISSION NO. 5: $5492.15 is the correct and accurate balance of the credit card account in question at the time the account was charged off. Admitted Denied If the answer to Request for Admissions No. 5 is "denied", then supply specific written documentation supporting the denial and indicate with full explanation what you believe to be the correct balance on the account. REQUEST FOR ADMISSION NO. 6: 6. Please admit that you agreed to pay Plaintiff's predecessor all amounts due resulting from the use of your credit card account, including any finance charges and other charges due under the terms of the agreement. Admitted Denied If the answer to Request for Admissions No. 6 is "denied", then supply specific written documentation supporting the denial and indicate with full explanation what you believe to be the correct balance on the account. REQUEST FOR ADMISSION NO. 7: 7. Please admit that for each month you had a balance on your credit card account, you were sent, by mail or otherwise, a bill, statement of account, invoice or other request for payment showing all transactions billed to your account during the billing period. Admitted Denied If the answer to Request for Admissions No. 6 is "denied", then supply specific written documentation supporting the denial and indicate with full explanation what you believe to be the correct balance on the account. INTERROGATORIES 1. Please identify the person(s) answering these Interrogatories. ANSWER: 2. Please identify each and every person that has assisted you in responding to these Interrogatories. ANSWER: 3. Separately, for each of your answers to Requests for Admissions 1 through 9 above where your answer is anything other than an unqualified admit, please: a. State each fact known to you upon which you rely to support your denial or qualified answer; b. If your response is that you do not have sufficient information or knowledge to admit or deny, then describe each effort you have made to acquire the information you feel would be necessary to admit or deny the request; c. Identify each document known to you which you believe contains information relevant to your answer; and d. Identify each witness known to you who may have knowledge with respect to the information upon which you rely for your denial or qualified answer and as to each witness, state the information you believe is known to them with respect to your answer. ANSWER: 4. If you filed affirmative defenses to Plaintiff's Complaint, separately for each defense,please: a. State the factual basis that supports your defense; b. Identify each document known to you which you believe contains information relevant to your defense; and c. Identify each witness known to you who may have knowledge with respect to the information upon which you rely for your defense and as to each witness, please state the information you believe is known to them with respect to your defense. ANSWER: 5. Have you ever requested Plaintiff's predecessor to open a credit card account in your name? If so, please state the credit card account number(s). ANSWER: 6. Are you aware of any credit card accounts with Plaintiff's predecessor opened in your name? If so, please state the credit card account number(s). ANSWER: 7. Have you ever made a purchase or obtained a cash advance by using a card, account number and/or account access check issued by Plaintiff's predecessor? If so, please state the credit card account number(s) and the date(s) of the purchase or cash advance. ANSWER: • 8. Has Plaintiff's predecessor ever sent to you, by mail or otherwise, any bills, statements of account, invoices or other requests for payment? If so, identify each document and state whether you objected to it. If you have objected, identify each objection, including whether it was written or oral. ANSWER: 9. Have you ever objected, in writing or otherwise, to any bills, statements of accounts or invoices you were sent? ANSWER: 10. If you keep records of purchases or payments with respect to your credit card account with Plaintiff's predecessor, do these records show a balance owing on the account? If so, what is that balance? ANSWER: 11. Is there any portion of Plaintiff's claim that you admit you owe? If so, state the amount that you admit you owe to Plaintiff and any facts that support your claim that you do not owe the rest of Plaintiff's claim. ANSWER: 12. If you claim that the account on which Plaintiff is suing is inaccurate, specify each inaccuracy and any facts that support your conclusion that the account is inaccurate. ANSWER: Respectfully Submitted, By: Carrie A. Brown, Esquire#94055 Robert N. Polas Jr.,Esquire#201259 Carrie A. Brown, Esquire PA Bar#:94055 Robert N. Polas, Jr, Esquire PA Bar#: 201259 Portfolio Recovery Associates, LLC 120 Corporate Blvd. Norfolk, VA 23502 TELE: 1-866-428-4102 FAX: 757-518-0860 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION—LAW PORTFOLIO RECOVERY ASSOCIATES, LLC . 120 Corporate Blvd • Norfolk, VA 23502 Plaintiff : No. 12-3912 CIVIL v. • • WILLIAM ZELNER • Defendant CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Request for Admissio upon Defendant, by First Class Mail, Postage Pre-Paid, a J� copy thereof on this day of v , 2013, to: William Zelner 219 W. Dauphin Street Enola, PA 17025 By: Carrie A. Brown,Esquire#94055 Robert N. Polas Jr., Esquire#201259 GE Money Bank BILL of SALE PRA 180-dav Mid Prime-August 2011 For value received and in further consideration of the mutual covenants and conditions set forth in the Forward Flow Receivables Purchase Agreement (the "Agreement"), dated the 20th day of December, 2010 by and between General Electric Capital Corporation, a Delaware corporation, GE Money Bank, a federal savings bank, and Retailer Credit Services hie, a Delaware corporation (collectively "Seller") and Portfolio Recovery Associates, LLC ("Buyer"), Seller hereby transfers, sells, conveys, grants, and delivers to Buyer, its successors and assigns, without recourse except as set forth in the Agreement, to the extent of its ownership, the Receivables as set forth in the Notification Files (as defined in the Agreement), delivered by Seller to Buyer on August 20, 2011, and as further described in the Agreement. GE Money ank By: Title: CFO Retailer Credit Services Inc By: .� ,G_ a� Title: President General Electric Capital Corporation l fBy: 4 { - W Title: Vice President GECMg ACCEPTANCE CERTIFICATE YESt Please open my account and send me a Lowe's Consumer Credit Card. I understand that you cannot . process my acceptance of this offer if I fail to provide you with all "REQUIRED" information. I have read the Lowe's Ke Terms located rated on the back of I am providing in Key this letter. a p a d g this information both to you and to Lowe s Companies, Inc. By signing this form, I also authorize and direct you to furnish information about me (including whether my Account is opened or not)and, if it is opened, Information about my Account, to Lowe's Companies, Inc. (and its affiliates) for use in connection with the Lowe's program, including to create and update their customer records for me,to assist them in better serving me, and to provide me with notices of special promotions,catalogs and tailored offerings. By signing below, I acknowledge and agree that my account will be governed by the terms of the Lowe's Credit Card Agreement to be sent to me with the card.Cards are issued and credit is extended by Monogram Credit Card Bank of Georgia. I also understand that the Agreement contains an Arbitration provision which may substantially limit my rights in the event of a dispute, including my right to litigate in court or have a jury trial,discovery and appeal rights, and the right to participate as a representative or member in a class action. Please see reverse side for rates, fees and other cost Information. x -744J1 • CD /30 /01 Applkan#'s Signature(Required) Date 17 )7L' `�°$45 ( ) Say43 245 Home Phone(Required) Business Phone [ } EXPIRES: 07/31/2003 CeWUOther Phone Where We May Cali You Store 0405 023324149 Co i 7..C)/ $$ 145 -52.-S-5% 5 William B. Z&ner Birth Data(Required) Social Security Number(Required) 219 Dauphin St 14►t"' L L Eft SARWSE bola, PA 17025-2210 Authorized User Name Relationship(spouse/other) (To add an authorized user,please primt their name here.) AFFIDAVIT OF SALE STATE OF: Minnesota : SS COUNTY OF: Ramsey BEFORE ME,on the day and date set forth below,the undersigned Notary, being qualified and commissioned in and for the county and state aforesaid,personally came and appeared Jennifer Cecka,who being duly sworn,did depose and say: Affiant is a Collections Operations Representative at GE Capital Retail Bank, issuer of the relevant consumer transaction/credit card. I have reviewed the information below regarding the debt 7981923391921147(the"Account")made by WILLIAM ZELNER(the"Debtor") made payable to GE Capital Retail Bank and subsequently sold to Portfolio Recovery Associates, LLC. The amount owed on the account on 8/20/2011,$5492.15 was sold to Portfolio Recovery Associates, LLC and is reflected in the system of GE Capital Retail Bank. The following statement pertains if the debtor referenced above is a state of California resident: I certify under the penalty of perjury under the laws of the state of California that the foregoing is true and correct. Executed this 25th day of June,2013 ,_ ."ei/f/.44.., nnifer Cec ollections Operations Representative Sworn to and Subscribed before me this 25th day of June,2013 , < DAVID C STAANSKY Notary Public` ti'' ' 1 Notary Public-Minnesota ■ 3 i.• My Conardeakat moires Jan 31,2018 My commission expires: /'3/-/I version 1.0.1_AOS_06_06_2012-SI Paul LOUIE'S' Find a lower price and EVERYDAY we'll match it PLUS take Low an additional 10% off! PRICES Everyday Low Prices Guaranteed at Lowe's 'We guarantee ow everyday competitive prices t you find a lower everyday or advertised price on an identical stock item at arm brat retie competitor that has the Nee in stock, well beat dear price by 10%when you hay from us Just bring or the competitor's current is or we'll call to verify the karts peke that you have found Cash/charge card ad carry purchases only Continuant closeout,special order,discontinued,clearance,Imitate and damaged tans are excluded kern this offer On percent off sates,we win match the competitors percent off offer Limited to reasonable quantities for homeowner and one-house order quamffee for cash and any contractors.Cunard in-store price,t lower,overrides Lower whetted price price guarantee honored at all Lowe's relax kKatlms.Labor charges to product insntlation are excluded from our price guarantee oiler in our stores with an Installed Saks Program.Visit store for complete details. Lowe's'Credit WILLIAM B ZELNER Visit us at www.lowes.com/credit Card Account Account Number .111.14 7 Customer Service: 1-800-568-0156 Summary of Account Activity Payment Information Previous Balance $5,492.15 New Balance $0.00 -Payments $0.00 Minimum Payment This Period $1,540.00 -Other Credits $5,492.15 Amount Past Due $0.00 +Purchases/Debits $0.00 Total Minimum Payment Due $1,540.00 +Fees Charged $0.00 Payment Due Date 08/13/2010 +Interest Charged $0.00 Late Payment Waming:lf we do not receive your New Balance $0.00 minimum payment by the date listed above,you may have to pay a late fee up to$35.00 and your APRs may be increased up to a Penalty APR of 26.99%. Credit le C $4,9$0.0 — Available Credit $0.00 Statement Closing Date 08/10/2010 Days in Billing Cycle 28 Transaction Summary Tran Date Post Date Reference Number/ Description of Transaction or Credit Amount Invoice Number 08/10 08/10 CHARGE OFF ACCOUNT-PRINCIPALS ($4,498.74) 08/10 08/10 CHARGE OFF ACCOUNT'FINANCE CHARGES' ($993.41) FEES TOTAL FEES FOR THIS PERIOD $0.00 INTEREST CHARGED 08/10 08/10 INTEREST CHARGE ON PURCHASES $0.00 TOTAL INTEREST FOR THIS PERIOD $0.00 2010 Totals Year-to-Date Total Fees Charged in 2010 $0.00 Total Interest Charged in 2010 $253.79 PAYMENT DUE BY 5 P.M.(ET)ON THE DUE DATE, NOTICE:We may convert your payment into an electronic debit.See reverse for details,Billing Rights Information and other important information. 7009 X5G 1 5 10 100810 Z X PAGE 1 of 3 9294 0010 0001 010N7009 Detach and mail this portion with your check.Do not include any correspondence with your check. —� Account Number: 14 7 • Total Minimum Amount Payment New ante Due Date L o W E'Se. P$ym540 Due Past 0.00 08/13/2010 $0.00 Payment Enclosed: Please use blue or black ink. IIIIIIIIIIIIIIIIII11111111II New address or email?Print changes on back. WILLIAM 8 ZELNER 219 W DAUPHIN ST ENOLA PA 17025-2210 Make Payment to:LOWE'S/GEMB P.O.BOX 530914 ATLANTA,GA 30353-0914 Customer Service/Questions:Foraccount information,please call the toll free number on the front of this statement.Unless your name is listed on this statement,your access to information on the account may be limited.You may also mail questions(but not payments)to:P.O.Box 981064, El Paso,TX 79998.1064,Please include youraccount numberon any correspondence you send Ious. Payments:Send payments to the address listed on the remit portion of this statement or pay online. Notice:See below for your Billing Rights and other important information.Telephoning about billing errors will not preserve your rights under federal law.To preserve your rights,please write to our Billing Inquiries Address.PO Box 981401,El Paso,TX 79998-1401. Purchases,returns,and payments made just prior to billing date may not appear until next month's statement.When you provide a check as payment,you authorize us eitherto use information from yourcheck to make a one-time electronic fund transfer from your account or to process the payment as a check transaction.When we use information from your check to make an electronic fund transfer:funds maybe withdrawn from your account as soon as the same day we receive your payment,and you will not receive your check back from your financial institution.You may choose not to have your payment collected electronically by sending your payment(with the payment stub),In your own envelope—not the enclosed window envelope,addressedto:P.O.Box 960097,Orlando,FL32896.O097 and nolthe Payment Address. What To Do If You Think You Find A Mistake On YourSfatement incorrect.If you have a copy of the credit report that includes the inaccurate If you think there is an erroron your statement.write to us at: information please include a coy of that mport We may sport inttcrmatlon GE Money Bank about your account to credit bureaus. Late payments,missed payments,or P0.Box 981401,El Paso.TX 70399 1401 otherdefaiitsonycuraccount maybe ref ectedinyourcreatreport. In your letter,give us the following information: Balance Subject To Interest Charge Calculation •Account information:Your name and account number Method 2D(Daily Balance method):We figure the interest charge on •Dollar amount The dollar amount of the suspected error your account by applying the periodic rate to the'daily balance'of your •Descrigion of Problem:If you think there is an error on your bib,describe account for each day in the billing cycle. We then add the interest to the what you believe is wrong and why you believe it is a mistake. daily balance.To get the"daily balance'we take the beginning balance of You must contact us within 60 days after the error appeared on your your account each day(which includes unpaid interest):add any new statement. charges,and applicable fees,and subtract any payments or credits. This You must notify us of any potential errors in writing.You may cat us.but it gives us the daily balance.Any daily balance of less than zero will be you do we are not required to investigate any potential errors and you may treated as zero. A separate daily balance will be calculated for each have to pay the amount in question. balance type on your account.The balance(s)shown in the Interest While we investigate whether or not there has been an error.the folbwirg Charges section of this statement is the sum of the daily balances for each are true: dayin the billing cycle divided bythe number of days inthe billingcycle. •We cannot try to collect the amount in question or report you as Method 2M(Average Daily Balance including current transactions): delinquent on thatamounl. We figure the interest charge on your account by applying the periodic rate •The charge in question may remain on your statement,and we may to the"average daily balance'of your account. To gel the"average daily continueto charge you inlerust on that amount.But,If we determine that we balance"we take the beginning balance of your account each day,which made a mistake,you will not have to pay the amount in question or any includes any unpaid interest charges from the previous billing cycle,add interest or other fees related to that amount. any new charges,and applicable Fees and subtract any payments or •Whileyoudonot have to pay the amount in question,you are responsible credits This gives us the daily balance Then,we add up all the daily forthe remainder of your balance. balances for the billing cycle and divide the total by the number of days in •Wecan apply any unpaid amount against yourcredit limit the billing cycle. This gives us the"average daily balance,"which is the YourRightsif You Are Dissatts Ned With Your Credit Card Purchases balance shown in the Interest Charges section of this statement. Any If you are dissatist sit wflh the gonds orservees that you have purchased average dailybalanceoflessthanzerowllbetreatedaszero.A separate with your credit card,and you have tried in good faith to correct the problem average daily balance will be calculated for each balance type on your with the merchant,you may have the rigid not to pay the remaining amount account_ due on the lx rchase. Method 3D(Daily Balance excluding current transactions):We figure Tousethis right,allot the following must betrue: the interest charge on your account by applying the periodic rate to the 1,The purchase must have been made in your home state or within 100 dairy balance'of your account for each day in the billing cycle To gel the miles of your current mailing address,and the purchase price must have deity balance'we take the beginning balance of your account each day, your add any interestandapplkablefeesandsubtractanypaymentsorcredits. been more than$50.(Note:Neither of these are necessary was based on an advertisement we mailed to a or we fhecom a We do not add in any new charges. This gives us the daily balance.Any yo p daily balance of less than zero will be treated as zero The balance(s) that sod you the goods orsery ces.) shown in the Interest Charges section of this statement is the sum of the 2.You must have used your credit card bathe purchase.Purchases made daily balances for each day in the billing cycle divided by the number of with cash advances from an ATM or with a check that accesses your credit days in the billing cycle. A separate daily balance will be calculated for card account do not qualify each balancetype on youraccount. 3 You must not yet have fully paid for me purchase. Method 5(Average Daily Balance excluding current transactions and If all of the criteria above are met and you are still dissatisfied with the unpaid interest charges):We figure the interest charge on our account purchase,contact us n writing at: by applying the peric)rate to the"average daily balance"of your GE Money Bank account.Togetthe"average daily balance'we take the beginning balance PO Box 981401,El Paso TX 79998-1401 of your account each day,add applicable fees a nd subtract any payments, While we investigate,the sane rules apply to the deputed amount as credits and unpaid interest charges from the previous billing cycle.We do discussed above.After we finish our investigation,we wit tell you our not add in any new charges This gives us the daily balance.Then,we add decision At that point if wethinkyou owe an amount and you do not pay we up all the daily balances for the billing cycle and divide the total by the may report you as delinquent. number of days in the billing cycle This gives as the"average daily information About Payments: You may pay more than the Total balance.'which is the balance shown in the Interest Charges section of Minimum Payment at any time.Payments received after 5:00 PM(ET)on this statement.Any average daily balance of less than zero will be treated any day will be credited as of the next day Credit to your Account may be as zero. A separate average daily balance wit be calculated for each delayed uptofleedays if payment(a)snot recererd atthePayrnentAdd/esa, balance type on your account (b)is not made in US,dollars drawn on a U.S.financial institution located in Method 6(Average Daily Balance Including current transactions and the U.S.,(c)is not accompanied by the remittance coupon attached to your excluding unpaid interest charges):We figure the interest charge on statement,(d)contains more than one payment or remittance coupon,(e)is your account by applying the periodic rate to the"average daily balance'of not received in the remittance envelope provided or(f)includes staples, your account. To get the"average daily balance"we take the beginning paper dips, tape, a folded check, or correspondence of any type. balance of your account each day,add any new charges and applicable Condn'Uonal Payments All written communications concerning deputed fees and subtract any payments,credits and unpaid interest charges from amounts,including any check or other payment instrument that:(i)indicates the previous billing cycle. This gives us the daily balance Then,we add that the payment constitutes"payment in full'or is tendered as full up all the daily balances for the billing cycle and divide the total by the satisfaction of a disputed amount;or(ii)is tendered with other conditions or number of days in the billing cycle. This gives us the"averse daily("Disputed Payments'),must be mailed or delivered to us at P.O. g 9 y Box981401,EIPaso,TX799981401. balance.'which is ged shbalaictheesstha zerowilbetrea d CreditsToV ourAccount:An amount shown in parenthesis or preceded by as zero. A separate average average ilybaancewiitbenalcuateditreatch a minus(-)sign is a credit or credit balance unless otherwise indicated. as anro. p s nyoure count daily balance wit be calculated for each balance type on your account Credits will be applied to your previous balance immediately upon receipt Bankruptcy Notice: If you file bankruptcy you must send us notice, bulwill not satisfy any requked payment that may bedue including account number and all information related tot he proceeding to the Credit Reports And Account Information: If you baleen that we have foto ing address GE Money Bank,Attn:Bankruptcy Dept., PD.Box reported inaccurate information about you to a consumer reporting agency, 103104 Roswell,GA30076. pease contact us at PO Box 981400,El Paso.TX 79998-1400.In doing so Your account is owned and servkedbyGEMoneyBank. pease identify the inaccurate information and tell is why you believe it is Heating,mptred TDDuserscall1.800-444-1732. 01CN7009-3-06128/2010 This is an attempt to collect a debt and any information obtained will be used for that purpose. `By providing a telephone number on my account.I consent to GE Money Bank and any other owner or servicer of my account contacting me about my account,including using any contact information or cell phone numbers I provide,and I consent to the use of my automatic telephone dialing system and/or an artificialor prerecorded vacewhen contacting me,even if I am charged for the call under my phone plan. For changes of address,phone number and/or email,please check the box and print the changes below. Name Street Address I I City,St Zip Phone# E-mail Home Phone# Business Phone# 'Cell#or other phone#we Email Address can use to contact you By providing your email address,you agree to receive email communications about your account and also give permission for us to share your email address to Lowe's. LOWEIS° Find a lower price and EVERYDAY we'll match it PLUS take an additional 10% off: GUARNTEED' Everyday Low Prices Guaranteed at Lowe's We guarantee our everyday eompetiloe prices d you find a lower everyday or advertised price on an akndcd stock ken at any bat retail competitor that has the Item in stock well beet then Prise by 1g%when yeti buy Imm us.,lun bnn re the compeitort current ad orwe'f call to verily me demS price that you have found Cash/charge card and carry purchases oMy.Competitor's closeout,sperm order,discontinued,clearance,liquidation and damaged items are excluded from this offer On percent lit sales,we will match the competitor's percent off alter Limited to reasonable quartettes for homeowner and one-house order quantities for soh and carry contractors.Current in-store Odra,q than,overrides Lewef advertised price.Price guarantee leaned at all Lowe's relaf location Later charges for product Installation are excluded from our price guarantee oiler In our stores with an Instilled Sales Program.Visit store for complete details. Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Expiration Annual Balance Subject Interest Balance Type of Balance Date Percentage Rate To Interest Rate Charge Method Regular Purchases NA 26.99% $0.00 $0.00 2D Important Account Information The year to date information shown on this statement reflects a partial year,starting from the time the information first appeared on your billing statement. 7008 X5G 1 5 10 100810 Z PAGE 2 of 3 9294 0010 D001 01CN7009 7009 050 1 5 10 100810 Z X PAGE 3 of 3 9294 0010 0001 030N7009 PORTFOLIO RECOVERY ASSOCIATES,LLC 140 Corporate Boulevard 7 ;a£ ti Norfolk,Virginia 23502 • Telephone: 1-866-428-8102 r f Fax: 1-757-518-0860 Statement of Account Account: ************1147 WILLIAM ZELNER Account Holder: WILLIAM ZELNER 219 W DAUPHIN ST ENOLA PA 17025 Consumer Account Product Code:PVT Issuer: GE MONEY BANK F.S.B./LOWES Assignee: Portfolio Recovery Associates,LLC Account Number: ************1147 Date Account Opened: July 11, 2003 Date of Last Payment: January 6,2010 Date of Charge Off: August 10,2010 Balance at Purchase: $5,492.15 Purchase Date: August 31, 2011 Balance at Charge-Off: $5,492.15 Less Payments: $.00 Balance Due: $5,492.15 11-80618 GECM16 This communication is from a collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. ACCTN U M 147 MKR_FN WILLIAM MKR_LN ZELNER ....................................................... CMPNY_NAME MKR_TAXID 8315 MKR AD1 219 W DAUPHIN ST ....................................................... MKR_AD2 MKR_AD3 MKR_CITY ENOLA MKR ST PA MKR_ZIP 17025-2210 ......... ........................ .......... ............... ................ ................. MKR_HP 845.... MKR_WP 0000000000 MKR BARDATE 0 ...................-.................................... MKR_BKCHAP MKR_CASENUM MKR_DISCHDTE 0 MKR_DISMSDTE 0 MKR BKMEETDTE 0 ..................-.................................... MKR BKCOURT MKR_BKFILEDT 0 ECOA 1 OPENDATE 20030711 CHGOFF DATE 20100810 RMSLASTPMT 20100106 LASTPMTAMT 156 BRANCH1 C822 DOFD 20100210 CHGOFFCODE UNPY LOSSAMT 5492.15 CURBAL 5492.15 RMSFILENUM 62028277 ACCTSTS •SF2 STSDESC Sales-Final -FF 2nds JDGDATE 0 OFF CODE LOW027 OFF DESC Lowe's Consumer BCLE 0181 BCLE_DESC GE Money Bank BUYERCODE X05S INT RATE 26.99 CMKR FN CMKR_LN CMKR TAXID CMKR_LIABLE Data printed by Portfolio Recovery Associates,LLC from electronic records provided by GE MONEY BANK,F.S.B.pursuant to the sale of accounts from GE MONEY BANK,F.S.B. to Portfolio Recovery Associates,LLC on 8/31/2011 LowE'S More reasons to use your Di3 Lowe's° Consumer Credit Card. More Buying Power In-Store Payments Zeno Fraud Liability Enjoy low monthly payments Save a stamp and enjoy Rest easy knowing your and special financing offers the convenience of paying account is secure and that you throughout the year. in the store. won't be liable for unauthorized use of your card.* "See cardholder agreement for further details. C2008 by Lower.Lawe'S'and Bar gale design are registered trademarks of LF,LLC.All lights reserved Lowe's®Credit WILLIAM B ZELNER Visit us at www.lowes.com/credit Card Account Account Number 14 7 Customer Service:1-800-444-1408 Summary of Account Activity Payment Information Previous Balance $4,654.74 New Balance $4,645.32 -Payments $156.00 Total Minimum Payment Due $194.00 -Other Credits $0.00 Payment Due Date 02/02/2010 +Purchases $0.00 +Debt Can/Insurance/Adjustments $39.00 +Finance Charge $107.58 New Balance $4,645.32 Credit Limit $5,300.00 Available Credit $654.00 Statement Date 01/10/2010 Days in Billing Cycle 31 Transaction Summary Tran Date Post Date Reference Number/ Description of Transaction or Credit Amount Invoice Number 01/06 01/06 PAYMENT-THANK YOU ($156.00) 01/02 01/02 LATE FEE $39.00 01/10 01/10 'FINANCE CHARGE' $107.58 Finance Charge Calculation Corresponding Average Daily ANNUAL Billed Daily Periodic PERCENTAGE FINANCE Balance Balance Rate RATE CHARGE Method Regular Purchases $4,692.90 0.07395% 26.99% $107.58 2D ANNUAL PERCENTAGE RATE purchases 26.99% TOTAL FINANCE CHARGE $107.58 Important Account Information A qualifying Lowe's credit card purchase may be billed under one of the following promotions:No Interest if Paid in Full within 6,12 or 18 months.Under each of these promotions,if the promotional balance is not paid in full within the promotional period,interest will be imposed from the date of purchase at a rate of 26.99%.Minimum monthly payments may be required. See the enclosed insert called"Financing Promotion Details"for more information about these promotions. PAYMENT DUE BY 5 P.M.(ET)ON THE DUE DATE. NOTICE:We may convert your payment into an electronic debit.See reverse for details,Billing Rights Information and other important information. 7009 X5G 1 7 10 100110 PAGE 1 of 3 9294 0010 D001 01507009 Detach and mail this portion with your check.Do not include any correspondence with your check. Account Number:t114 7 Total Minimum Payment Payment Due Date New a ance LawE'n* $19400 02/02/2010 $4,645.32 Payment Enclosed: Please use blue or black ink. a • 11111111111 IIIIIIhlI I I II New address or email?Print changes on back. WILLIAM B ZELNER 219 W DAUPHIN ST ENOLA PA 17025-2210 Make Payment to:LOWE'S/GEMB P.O.BOX 530914 ATLANTA,GA 30353-0914 • Customer Service/Questions:For account information,please call the toll free number on the front of this statement.Unless your name is listed on this statement,your access to information on the account may be limited.You may also mall questions(but not payments)to:PO Box 981064,El Paso TX. 79998.1064.Please include your account number on any correspondence you send to us. Payments:Send payments to the address listed on the remit portion of this statement or pay online. Notice:Seebelow foryour BillMg Rights and other important information.Telephoning about bit log errorswihl not pressrveyournghts under federal law.To preserve your rights,please write to our Billing Inquiries Address,P.O.Box 981401,El Paso,TX.79998-1401. Purchases.returns,and payments made just prior to billing date may not appear until next month's statement.We reserve the right to obtain payment electronically for any check or other instrument that you send to us by initiating an ACH(electronic)debit in the amount of your check or instrument to your account.Your check or instrument will not be returned to you by us or your bank.Your bank account maybe debited as early as the same day we receive your payment.You may choose not to have your payment collected electronically by sending your payment(with the payment stub),in your own envelope—not theenclosed window envelope,addressed to:PO Box 960097 Orlando,FL.32896-0097 and notthw PaymentAddress. Billing Rights Summary•Incase of Errors or Questions About Your Bill:If you think your bill is wrong,or if you need more information about a transaction on your 61,write to us on a separate sheet at our Bilbng Inquiries Address,P 0.Bar 981401,El Paso,TX 79898-1401 as soon as possible.We must hear from you no later than 60 days after we sent you the first bill on which the error or proem appeared.You can telephone us,but doing so will not preserve your rights.In your letter,give usthe following information:•Your nameard account number•The dollar amount of the suspected error•Describethe error and explain,if you can why you believe there is an error.If you need more information,describe the item you are unsure about.You do not have to pay any amount in question while we are investigating,but you are still obligated to payfhe parts of your billthat are not in question.Whilewe investigateyourquestbn,we cannot report you as delinquent ortake any action to collect the amountyou question, Special Rule for CredltCard Purchases:If you have a problem with the quality of goods or services that you purchased with a credtt card and you have tried in good faith to correct the problem with the merchant,you may not have to pay the remaining amount due on the goods or services.You have this protection only when the purchase price was more than S50 and the purchase was made in your home state or within 100 miles of your mailing address These limitations do not apply it we own or operatethe merchant or if we mailed you the advertisement for the goods or services. Information About Payments:You may pay morethan the Total Minimum Payment at anytime.Payments received after 5:00 PM(ET)on any day will be credited on the next day Credit to your Account may be delayed up to five days If payment(s)Is not receved atthe PaymentAddress,(b)snot made in U.S.dollars drawn on a US.financial institution located in the U.S.,(c)is not accompanied by the remittance coupon attached to your statement,(d) contains more than one payment or remittance coupon.(e)is not received in the remittance envelope provided or(f)includes staples,paper clips,tape. folded check,or correspondence of any type. Conditional Payments:All written communications concerning disputed amounts,including any check or other payment instrument that(I)indicates that the payment constitutes`payment in full"or is tendered as full satisfaction of a disputed amount or(ii)is tendered with other conditions orlimitations('Disputed Payments"),most be mailed ordelivered to us at P.O.Box 981401.El Paso,TX.79998-1401. Payment Allocation:We reserve the right to select the method by which payments and credits are allocated to your Account in our sole discretion. The payment allocation method that we use may result in higher Finance Charges on your Account,depending on thetypes of transactions you make(such as promotional or non-promotional purchases).and the timing and amount of your payments.If you have questions about our allocation of your payment,or if your payments are not allocated to your promotional purchases in a manner you desire,please call customer service phone numberto see whether we can reallocate your payments based on another payment allocation option we offer. Credits to Your Account:An amount shown in parenthesis is a credit or credit balance unless otherwise indicated.Credits will be applied to your previous balance immediately upon receipt,but will not satisfy any required payment that may be due. Telephone Monitoring:To ensure that you receive accurate and courteous customer service,your telephone calls with us may be monitored by our employees or agents and you agree to this monitoring. Credit Reports and Account Information:If you believe that we may have reported inaccurate information about you to a consumer reporting agency please contact us at P.O.Box 981400,El Paso,TX.79998-1400.In doing so. identify the inaccurate information and tell us why you believe it is • incorrect.If you have a copy of the credit report that includes the inaccurate information,please include a copy of that report.We may report information about your account to credit bureaus.Late payments,missed payments.or other defaults on your account may be reflected is yourcredt report. • Information About Finance Charges:Returned Check Fees and Late Payment Fees,if any,are hrx luded in the balance subject to Finance Charge for Method 2D and are not included for all other methods.Insurance premiums and debt cancellation fees,if any,are not included in the balance subject to Finance Charge for any of the followkrg methods. In Methods 2M,5 and 6,any Average Daily Balance of less than zero will be treated as zero.In Method 20 and 3D,any Daily Balance of less than zero will be treated as zero. Method 2M:The balance subject to Finance Charge is the Average Daily Balance.To get his balance,we first determine the daily balances for the billing period by taking the opening balance each day,which includes any unpaid Finance Charges from the previous billing period,subtract any payments and credits,and add new Purchases unless the amount you owe at the beginning of the period $0,or is paid during the period.We then add all the daily balances and divide this total by the number of days in the period,which gives us your Average Daily Balance.However,if what you owe at the beginning of the period is paid during t he period,your balance subject to Finance Charge is SO. Method 2D: The balance subject to Finance Charge is your Daily Balance.To determine the Account balance subject to Finance Charge,we take the beginning balance of your Account each day,which includes any unpaid Finance Charges.and add any new Purchases and other debits for that day and subtract any payments and other credits applied that day. Each day we also add any Finance Charges.Late Payment Fees and Returned Check Fees assessed that day. Insurance premiums and debt cancellation fees,if any,are not included.This gives us the`Daily Balance"of the Account.Any Daily Balance of less than zero will be treated as zero.You can determine the Finance Charge by applying the daily periodic rate to the balance subject to Finance Charge multiplied by the number of days in the billing period. Method 3D:The balance subject to Finance Charge is the`Daily Balance".To get this balance,we first determine the daily balance for the billing period by taking the opening balance each day,which includes any unpaid Finance Charges from the previous billing period,and subtract any payments and credits. We do not add in any new Purchases.We then muhiplythe Daily Balance by the daily period ate to obtain a Finance Charge for that day,and add it to the Daily Balance.This gives us the day's closing balance,and will be the opening balance for the following day.At the end of the billing period,we add up all the daily Finance Charges to get the total periodic Finance Charge for the billing period.You can determine this Finance Charge by applying t he daily periodic rate to the balance subject to F inance Charge multiplied by the n umber of days in the billing period. Method 5:The balance subject to Finance Charge is your Average Daily Balance To get this balance,we first determine the daily balances for the billing period bytal ng the opening balance each day and subtract any payments and credits and any prior Finance Charges not paid during the period.We do not add in any new Purchases.Wethen add all the daily balances and divide this total by the number of days in the period.which gives us your Average Daily Balance.However,if what you owe at the beginning of the period is paid duri gthe period,your balance subject to financecharge is$0. Method 6:The balance subject to Finance Charge is your Average Daily Balance.To get this balance,we first determine the daily balances for the billing period by taking the opening balance each day.subtract any payments and credits and any prior Finance Charges not paid during the period,and add new Purchases unless theamount you meat the beginning of the period is SO or is paid during theperiod.We then add all thedaily balances and divide this total by the number of days in the period.which gives us your Average Daily Balance.However,if what you owe at the beginning of the period is paid during the period,your balance subject to finance charge is$0. Bankruptcy Notice: If you file bankruptcy you must send us notice.including account number and all information related to the proceeding to the following address:GE Money Bank,Attn Bankruptcy Dept P0.Box 103104.Roswell,GA.30076. Your account is owned and serviced by GE Money Bank.For complete terms and conditions of your account,consult your Credit Card Agreement. Hearing Impaired:TDD users call 1-800-444-1732. 01067009.1-10/19/09 Use of Information About You and Your Account:Our Privacy Policy describes our collection and disclosure of information about you and your Account.If you would like another copy of the Privacy Policy please call us at the customer service telephone number indicated on the front of this statement. This San attempt to collect a debt and any information obtained will be used for that purpose. By providing a telephone number on my account,I consent to GE Money Bank and any other owner or servicer of my account contacting me about my account,including using any contact information or cell phone numbers I provide,and I consent iothe useof my automatic telephone dia ling system and/or an artificial or prerecorded voice when contacting me,even if I am charged for the call under my phone plan. For changes of address,phone number and/or email,please check the box and print the changes below. Name Street Address City St. Zip Phone# E-mail Home Phone# Business Phone# Cell#or other phone#we can use Email Address to contact you BY PROVIDING YOUR EMAIL ADDRESS,YOU AGREE TO RECEIVE EMAIL COMMUNICATION ABOUT YOUR ACCOUNT AND ALSO GIVE PERMISSION FOR US TO PROVIDE YOUR EMAIL ADDRESS TO LOWE'S. Your billing statement has changed. See below to find out what's new. STATEMENT BASICS LOWE".S' A.CUSTOMER SERVICE Lowe's°Credo elanBeu wyyyl. yv roM Register tor Eseru eatWWw.IOweS. Card Account n n San eexaPin cud• sarvla•■em.«4-, cum/credit and take advantage of easy irSwmao alu.4ea0AP91tri -- k €aooeeeinbmmnnowe online account management,or call rinbeneaWnce m.275It New Balance 02,380.10 tall-free for account information and 31;mmo spa' questions. whir eredrs sOH MMmum Pa9meni TAN Period p 5.00 ▪P rtarec 3100 02 nitwit Peel One 60.90 n Debt C arce/ACJatorank SSQ00 Total Minimum Payment Due $15.00 • ▪F Mu Balance 233B6 10 Payment Due Dab 12/23/2008 AaantIMbe mMm00n*CY NOTE:YOU HAVE AtROMOOTIONALPURCHASE B.SUMMARY OF ACCOUNT Coal-.r'd Sam 01 MMNO.SEEPROMOTIONALPURCHASESUMMARY �/ ACTIVITY Arailwb Da& S2.614R C BELOW FOR DETAILS. sbr.m. l Ink 114,8,2009 Separate account balances have been 1/40110 In BlmS Cyc,e 3' ! Total EApirtep Promolia al combined in this new,easy-to-read Payoff Amount 11,I1B0.011 format. `Promaeoo Expiration Date l2I2O/2o0 _ _ ._ . . . . .. nalmalwyktam.Ame.ay --The into 1W awry layer meaBma eurchanW an as Me m lee each DEFERRED 1111131227 aalaeles le.01 medal Awned Erma Moms,pu read pay In 51 le Papa Inroad try this Pur Dm.1•aah Dyc Pamch premise,Ana aenMm ma or C.PAYMENT INFORMATION Is tmkamm am-ProaaamM ammo(Wee an apq. Maus Mee Debi Rmnllm n� nnnmo haenleeTmc GNAWS CHARGES 0DmIrmd ec Aye tie Find your Total Minimum Payment Due en.recou a1 20092 226-o ,ednawaoPa, ala:na solg a1 110 on eat on .2neMa and Payment Due Date in this section. As a service to you,a reminder box nanvaana,,,,, - - will appear here when a promotional ..... RranroeMemar purchase is ready to expire. 4:::){ Bann Date Pmt Dale invoke number oenataiimdlaaa.r4m efusl Meteel Ent inn, t?6S 000m„N Mar,a!AS NE 5,1020 ,1:0 11,ta 'ttooea GHAT ;1-re ilmilea4alERUlmm D.TRANSACTION SUMMARY Mende ,nn �wAa'"aein° 00 psmm Look for the posting date of purchases FMMICE Balance Bab Pe10 rA6f ca4O Na. and other transactions in the new Post Date column. R42Ue Purchases Si 13.09 602616 noses 3.0.00 20 PIG 3e67 ad lnMen944 Psi 2lown 60234 22199 30100 ANNUAL PL0EL01YO RAIL purchases, .22 I9'4 nit,7111:I:r6mA:HARE_ 31900 E.TOTAL MINIMUM PAYMENT DUE This is the total minimum payment amount due tar the current billing period. PAna11 DSEBYS PoEr URTBE WE OWL NOTICE*442,cans'.ssa•arnau Into anSouek OML Serwnae Mrtl-els Rare RLrbMv^.ur arc am raimentlmnater. 6709 0000 Roo 1 7 IS 040215 PAGE 1 OF 4 9277 4000 Pa90 2322 F.PROMOTIONAL PAYOFF Owed e'emal tnsealwn ell‘91,912,2 Ca non lad:denw marrec0 MCa,sh me,:mac _. :i'::,.:._..... 49an'. ciemm�nX Shows the total payoff amount for 1 OWE c i I, a I_ y w all promotional balances.See the Ak iw1;A 13 �gYF� E Pau,floe o.,»Pau 0a1.r e*aaa Promotional Purchase Summary 51' 1�m 127:2201M nor;0 $2 a section for details. k,S IA Pa.,ie.0 as a p t X15 Pr.*92009209 010 i.. F_ _ l4v adacss or an..' 'el do n Si lack 1111,11111r1 Jelin Smile 111011111:.III 111111111110111241111111115210111111 1231 Nab sin Male Payment Ten Loa'aAYNB Anytms,GA 12318 P.O.Bee WHOA IIIIIII1111 1 III'.IIMI1III111 BIN':1111H11111111 2111 A0ana.GA 00000 0016000010009 009160000036945023 71951907600058022 0 2009 by Lowe'SM.Lowe'sen and the gable design are registered trademarks of LF;LLC.All rights reserved. 7009 x50 1 7 10 100110 PAGE 2 of 3 0294 0010 D001 05B57005 7009 EEG 1 7 10 100110 PAGE 3 of 3 9294 0010 D001 01007000 4t' Zëfo MFor n}ut wither s months' Monthly Payments and Interest On single-receipt purchases of$299 or more on your Lowe's°Consumer Credit Card. Through January 31,2010 't ID siptilasiptpurdites OOE2%a mad aadettragl.lmay31,201pmaLwar0 otawCre&CadaxurtCamdteoxttirodtilhetanitrelated t1}}sepamdaelttrdswaam giafitd and so m clta eeE art r}darI°sae la mtelaBmYtls ntr tsthlaalikprktr aldmwlN/ni*"t,OEs 1:tiRrp axaattnasd¢ylomrpmnoEof1 rduas.Slan�d,OP 272 MRic15 %Abieurefreodlvpas3lAD.EEms�"ogcardmlpeobutatalsataraeitcatiairea+tatfattarappiiratisteursOffalaeftjadbadRapqod.6si IMO*&MEMWM kook taarYhu}IdtP Pawn*MAW Mk Pau* D2110g try:tour Loses°end the grit Oar astagetradtradewarlsalB,LLC.Nrips=rad. Lowe's Aeco ent Account Holder W ILLIAM B ZELNER Account Number: 147 EMling Date 12/10/09 Payment Due Date 01/02/10 Credit Line $5,300 Plan Previous - Payments +/-FINANCE + +/- Debt Cancellation, = New Minimum jype_ Bataan a cradtn $HARr■F(nett Purciraar tnsuranca A A B ammats Raman( Pavntent REG $4,648.87 $137.00 $103.87 $0.00 639.00 $4,654.74 $156.00 Tran Dab Ipvoice Numbed Descrineon Plan Won Amount 12/05 PAYMENT-THANK YOU $137.000R 12/03 LATE FEE $39.00 12/10 'FINANCE CHARGE' ppoonned $103.87 BdfA ... _. Balance Subject:, .. . ._. . . ....,.. ,_.,.- .. .. ..... .. ....... To Daily Caret IngANNl1AL Days Thls RNANCE Balance Ran Type Finance Charge Periodic Rate PEAC GE RATE Blinn Period CHARGE Method REG 84,682.04 .07395% 26.99% 30 $103.87 20 Total Periodic FINANCE CHARGE: $103.87 Plead off identity theft before it happens.For more hforrration about identity theft,please visit the Federal Trade Commission's(FTC)consumer w ebsite at http://www.ftc.goviidtheft/. CUSTOMER SERVICE:For emoted inform aeon call 1-800-444-1408 NO110E:PLEASE SEE REVERSE SIDE FOR BILLNG RIGHTS AND FA PORTANT INFORMATION. PAYMENT DUE BY 5 P.M.ON THE DUE DATE We may convert your payment into an electronic debt See reverse for details. 7009 0000 9W0 1 7 10 091210 Page 1 of 1 9294 0010 0001 _" Detach and mail this portion with your check to LOWE'S.Please use blue or black ink. LOWE'S�; 01/02/2010 $156.00 $4654.74': 147 FS in amount corrpletey DYes,Ihave moved or l have changed try email address.Check the box and submit changes on the reverse side. 23391921147 WLLIAM BZB1 219 W DaUFHN ST TFDFDTDADAFFAAFAFA IPl INDFTAFFAFFAATAAFAFFDTFDTFTFDATATDTITADDTTAF ENOLA PA 17025-2210 Make Payments to:LOWES P.O.BOX 530914 ATTF1 I I'DADDFDATTDDFDAAFDTI I'DFDTDTA1 t FDAAFDFDFFAAFDFTAVERAFFIVEMLMB353-0914 147 Save time,money and help the environment With a-Bills from lowe's you can: •Save time •Help the environment •Get reminders to pay •Reduce your risk of identity theft •Stop shredding your hills •Pay hills securely online Sign up for a-Bills today at WWW10WeS.comIebitl Lowe's Account en Account Holder W ILLIAM B ZELNER Account Number: 14 7 Riling Date:11/10/09 Payment Due Date:12/03/09 Credit Line:$5,300 Plan Previous Payments ,... m. ... - Pa +/-FINANCE + +/- Debt Cancellation, — New Minimum ]eoe_ _edam_ &Creche CHARGE e+an Puml+s as Jpenrmroa Adlustneprg Rslaru Cavmant REG $4,655.48 $137.00 $91.39 $0.00 $39.00 $4,646.67 $137.00 Iran D'ta Voice Number Descdolim... ... ... Plan 1mw Amount 11/04 PAYMENT-THANK YOU $137.000R 11/02 LATE FEE $39.00 11/10 'FINANCE CHARGE' $91.39 Balance Sublect To Daily Corresnnddin ANNUAL Days This FINANCE Balance Plan Tyne Rnance Charge Periodic Rate PERCENTAGE RATE Bning Period CHARGE Method REG $4,680.09 .06299% 22.99% 31 $91.39 2D Total Periodic FINANCE CHARGE: $91.39 Reese hbte:When contacting the Low e's Credit Center, you must be listed as an account ow ner to obtain information about the account.We cannot disclose information to authorized users or third parties. CUSTOMER SERVICE:Fa account inform anon cat 1-800-444-1408 NO1ICE:PLEASE SEE REVERSE SIDE FOR BELNG RIGHTS AND MPORTANT INFORMATION. PAYMENT DUE BY 5 P.M.ON THE DUE DATE We may convert your payment into an electroric debt See reverse for details. 7009 0000 9WD 1 7 10 091110 Page 1 of 1 9294 0010 5001 [". Detach and mail this portion with your check to LOWE'S.Please use blue or black ink.--. — rL o w ES J ( 12/03/2009 ' $137.00 ' $4,648 87 ' 111111111111114 7 Fit in amount completely $ — ---- - — DYes,I have moved or I have changed my email address.Check the box and submit changes on the reverse side. 23391921197 WLLIAM BZ81r8? 219 W fl U t-N ST FTFDADAFADDDDTTFTDDTFATADFDFTDATFDFADTDTTATATDDFTFTFFFFAFATFAFFFT BNtDLA PA 17025-2210 Make Payments to:LANES P.O.BOX 530914 TADDFDTATTDFAFFFDDAADFDDATTDAADDADATATFFDFFDTATDFTDAA®7C W1353-0914 1 14 71