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HomeMy WebLinkAbout12-4098Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie A. 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 - ? i HE P OTHONO1; p,., 1012 JUN 29 PM 1: 13 T IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 140 Corporate Blvd. Norfolk, VA 23502 Plaintiff V. MARY ROTH 602 MALLARD RD APT F CAMP HILL PA 17011 Defendant NOTICE No. 12 , 4?W 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 OS Carlisle, PA 17013 (717) 249-3166 0/ Pennsylvania Lawyer Referral Service (800) 692-7375 >7 19-00,62 '7''7.39 9 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose Robert N. Polas, Jr., Esquire PA Bar # 201259 Carne 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. MARY ROTH 602 MALLARD RD APT F CAMP HILL PA 17011 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 obejciones 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 SERV ICIOS 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 R)is communication i:, 1rom a Eliot collector arld is al') Alerltpt to collc o :j _Ecbl 5 7y ir7form ztiort t btxtiflccl r.Nill lie Used lcrr 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: 1-866-428-8102 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. MARY ROTH 602 MALLARD RD APT F CAMP HILL PA 17011 Defendant COMPLAINT Plaintiff, Portfolio Recovery Associates, LLC is a Delaware Limited Liability Company with offices located at 140 Corporate Blvd., Norfolk, VA 23502. Defendant MARY ROTH, is an adult individual with last known address of 602 MALLARD RD APT F, CAMP HILL PA 17011. It is averred that Defendant was indebted to GE MONEY BANK F.S.B. / AMERICAN EAGLE on April 8, 2008 with account number ************1818 (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. At all relevant times material hereto, Defendant has used said Account for the purchase of products, goods and/or for obtaining services. F'w", cfarr rnkill iCat] or) is front it debt collector r ild is d1i attempt to (Collect a tiicht. vnv Hilormation obtained will be w"ed fig-r 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 bonafide 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 June 13, 2010. 8. Plaintiff is the purchaser, assignee and/or successor in interest GE MONEY BANK F.S.B. / AMERICAN EAGLE 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 $4,736.52. 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, MARY ROTH, in the amount of $4,736.52, plus costs of this action and any other relief as the Court deems just and reasonab Robert N. Polas Jr., Esquire # 201259'??' Carrie A. Brown, Esquire # 94055 11-88883 This cone-nuni_catio is from El debt collector atid is an afiempt to collcct ?,i ki a->t. An i il6rination obtaMed 5,vill be tised f'Or that purpose. VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, Mary L. Moore 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 unworn falsification to authorities. Date : JUN 13 2012 By ustodian of Records 11-88883 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: 1-866-428-8102 Fax: 1-757-518-0860 Statement of Account Account: ************1818 MARY ROTH Account Holder: MARY ROTH 602 MALLARD RD APT F CAMP HILL PA 17011 Consumer Account Product Code: PVT Issuer: GE MONEY BANK F.S.B. / AMERICAN EAGLE Assignee: Portfolio Recovery Associates, LLC Account Number: ************1818 Date Account Opened: April 8, 2008 Date of Last Payment: June 13, 2010 Date of Charge Off: November 17, 2010 Balance at Purchase: $4,736.52 Purchase Date: September 29, 2011 Balance at Charge-Off: $4,736.52 Less Payments: $.00 Balance Due: $4,736.52 11-88883 GECM49 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. I, the undersigned, Mary L. Moore 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. / AMERICAN EAGLE ("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 September 29, 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 MARY ROTH ("Debtor") to the Account Seller the sum of $4,736.52 with the respect to account number (************1818), as of November 17, 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 $4,736.52 as due and owing as of the date of this affidavit. ssociates, LLC Po r I By: Mary L. MoomCustodian of Records and sworn to before me on JUN 13 2012 , 2012 Not Public Jason Vita 1101 11-88 83 Commonwealth of Virginia Notary Public C,4 Commission No. 7509710 M My Commission Expires 113112015 is ,:t)rnrnunicatlon is lroni a debt collwor and is <:tn attempt to coils, t a cleft. V-i" i 3t`Orl!,Aion obta"ne l r i(l be used liar that i)Url)0 c;. GE M017e y Sank BILL of SALE PRA 120-day Viid Prime - September 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 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 September 20, 2011, and as further described in the Agreement. GE Money Bank t By: Title: CFO Retailer Credit Services Inc By: Title: President General Electric Capital Corporation By: Title: Vice President Gf,,cm4-,q.---- i o< 2 TRY ON 7/21-8I3 AE .1EANS GET FREE SMARTPHONE anM R1CM After itts Ant discount with a new 2-year plan. See store associate for details. While supplies last. FARE 1WIRMTA AE' Visa Card ae.com Mobile Service: ervos: r Account Number -1818 C 3-6765 ice: : 1 i-886686--91913765 Servvice usto Previous Balance $4,069.99 New Balance $4,211.24 - Payments $25.00 Minimum Payment This Period $189.00 + Fees Charged $39.99 Amount Past Due $365.00 + Interest Charges $106.26 Total Minimum Payment Due $554.00 New Balance $4,211.24 Payment Due Date 07/12/2010 Late Payment Waming:lf we do not receive your minimum Credit Limit $4,000.00 payment by the date listed above, you may have to pay a late Available Credit OVERLIMIT fee up to $39.99 and your APRs may be increased up to a Cash Limit $800,00 Penalty APR of 29.24%. Available Cash OVERLIMIT Minimum Payment Warning: If you make only the minimum Statement Closing Date 06/18/2010 payment each period, you will pay more in interest and it will take you longer to payoff your balance. For example: Days in Billing Cycle 32 Only the Minimum 21 years $12,273.00 payment If you would lice information about credit counseling services, call 1-877-302-8775. Beginning balance 2.42 Extra Savings earned with us 0.00 Extra Savings earned outside 0.00 Extra Savings Certificates sent 0.00 New balance 2,42 Earn 4% Extra Savings for purchases in our stores and online. Earn 1 % Extra Savings for purchases everywhere else. Every time you reach 10 Extra Savings you will receive a certificate for $10 off your next purchase. -7 1 0 2.5 5.0 7.5 10 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 and other important information. 8690 CHH 1 7 17 100E-1B X PAGE 1 of 2 5150 1000 G352 01818640 Detach and mail this portion with your check made to AEO/GEMS. Do not include any correspondence with your check. AMERICAN Account Number: 616 EAGLE OUTFITTERS $554.00 $365.00 0711212010 $211.24 s4z11.za OW ALCOW Payment Enclosed: $ 0 F1 ? F1 F1 F1 ? We currently do not accept Please use blue or black init. payments in our stores. Pay on-line New address or email? Print Changes on back. at ae.com MARY E ROTH 5071 BASS LAKE DR APT 2012 HARRISBURG PA 17111-5918 AEO/GEMB PO BOX 980013 ORLANDO, FL 32896-0013 Customerservice/Questions: For account information, please call thetdl free numberon the front of this statement Unless yyour name is listed on this statement, your access to information on the account may be limited. You may also mail questions (but rx? payments) lo: P.O. Box 981064, EI Paso, TX 7999&1064. Please include youraccount number on any correspondence you send to us. Payments; Send payments to the address listed on the remittance portion of this statement or pay online. Notice; See below for your Billing Rights and other important information. Tel honing about billing errors will net preser%* your rights under federal law To preserve your rights, please wntetoourBilling InquviesAddress, Pit. Ba( 981401. EIPaso: TX 79998-1401. Purchases returns and payments made'usl prior to billing date may net appear until next months statement. When you provide a check as payment, you authorize usaitherto use information omyourchecktomakeaone-time electronic fund transfer from your account or to process the payment asa check transaction When we use information from your check to make an electronic fund transfer, funds maybe wilhdrawn from your account as soon as the same day we receive your payment, and you will net receive your check back from your financial ii>sltulion. You may choose not to have your payment eo9ocbd oNefraYcalIV 11 ssndn? yow paymarrt (with the M!nm 9111 In your own sm illope - not the enclosed window What To Do If You Think You Find A Mistake On Your Statement if you think there is an error on your statement. write to us at GE Money Bank Pit. Box 981401, El Paso, TX 79998-1401 In your letter, give us the following information: • Account information: Your name and account number • Dollar amount: The dolleramount of the suspected error. • Desrriphon of Problem: If you think there is an error on your bill. describewhal you believe is wrong and whyyou beleve it is a mistake. You must contact us within 60 days after the error appeared on your statement . You must notify us of arty potential errors in writing. You may cal us: but if you do we are not required to Investigate any potential errors and you may have to paythe amount in question While we investigate whether or not there has been an error the folbwingaretrue • We cannot try to collect the amount in question, or report you as delinquenton that amount • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But if we determine that we made a mistake, you will net have to pay the amount in question or" interest orolherfees related to that amount. • While you do net have to pay the amount in question, you are responsible for the remainder of your balance • We can apply any unpaid amount against your credit limit. Your Rights It You Are Dissatisfied With Your Credit Card Purchases It you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay 1 he remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must haws been made in your home state orwthin 100 miles of your current mailing address.. and the purchase price must have been more than $50 (Note: Neither of these are necessary If your purchase was based on an advertisement we mailer to you, or if we own the companythat add you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses yourcredit card account do net qualify 3, You must niotyet have fully paid lorthe purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in wnfingat GE Money Bank Pit. Box 981401, El Paso, TX 79998-1401 While we investigate, the same rules applyto the disputed amount as discussed shrive . After we finish our investigation, we will tell you our decision. At that point if we think you owe an amount and you do not pay we may report you as delinquent. Inkrrmallon About Payments: You may pay mom than the Total Wale wm Paymentatanythme. Payments received after 5:00 PM (ET) an arty day will be credled as of the next day Creditto your Account maybe delayed up to five days it payment (a) is not received at the Payment Address, (b) is rid made in U.S. dollars drawn on a U.S. financial institution located in the U.S, (c) is net accompanied by the remittance coupon atachg?d to your statement (d) contains more than one payment or remittance coupon, (e) is not received mine remittance envelope provided or (f) includes staples, paperclips, tape, a folded check, orcorrespondence of arrytype. Conddtlorial Payments: M written communications concerring disputed amounts, including any check brother payment instrument that (i) indicates that the payment constiWtes'payment in full" or is tendered as full satisfaction of a disputed amount; or (it) is tendered with other conditions or limitations ('Disputed Payments") must be mailed or delivered to us at Pit. Box 981401, El Paso, TX 79998-1401. Credits To Your Account: An amount shown in parenthesis or preceded by a minus (-) sign 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 maybedue. Crsd#Roports And Accountinformatlon: If you believe that we have reported iraccurale Informal about you to a consumer-retwriing agency, please contact us at Pit. Bar 981400, El Paso. TX 79998-1400. In doing so, please identify the inaccurate information and tell us why you believe t is incorrect. If you have a copy of the credit report that includes theInaccurate information.. please Includea copy of that report. We may report information about your account to credit bureaus Latepayments, missed payments, or other defaults on your account maybe reflected in your credit report . Baklrtce subject to interest charge Cakrdation Dally Balance method: We figure the interest charge on your account by applying the periodic ratetolhe'daily balance'ofyouraccoumforeachdayinthebilfi cycle. We then add the interest to the dal balance. To getthe'dailybalance' we takethe beginning balance of your accourd each day (which includes unpaid interest), add any new charges, and applicable tees, and subtract any payments or credits. This gives us the daily balance. Any daily balance of less than zero will be treated as zero. A separate dairy balance will be calculated for each balance type on your account The balance(s) shown in the Interest Charges section of thisstatement is the sum of the daily balances for each day in the billing cycle divided by the number of days in the billing cycle. 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, P.0 Box 103104, Roswell GA30076 Your accounts owned and serviced by GE Money Bank Hearing Impaired: TDD users call 1.800-444.1732. 01 818640 - 4 -062 8/101 0 This is an atempt to collect a debt and any information obtained will be used torthat purpose. `By providing a telephone numbaron your account, ycu cc nsent to GE Money Bank and any other ownerorservicer of your account contacting you about your account .. including using any contact information or cell phone numbers you provide, and you consent to the use of any automatic telephone dialing system andtor an artificial or prerecorded voice when contacting you, even if you are charged for the call underyourphone plan For changes of address, phone number and/or ema I, please check the box and print the changes below Name Street Address City, State, F7 Zip Phone # E-mail Home Phone # Business Phone # 'Cell # or other phone # we can use to contact you Email Address By providing your email address, you agree to receive email communications about your account and also give permission torus to share your email address to the named retailer on this account. Transaction Summary Trans Date Post Date Reference Number Description of Transaction or Credit Amount Other Transactions FEES 06/12 06112 LATE FEE $39.99 TOTAL FEES FOR THIS PERIOD $39.99 INTEREST CHARGED 06/18 06118 INTEREST CHARGE ON PURCHASES $106.26 06/18 06118 INTEREST CHARGE ON CASH ADVANCES $0.00 TOTAL INTEREST FOR THIS PERIOD $106.26 Total Fees Charged in 2010 $39.99 Total Interest Charged in 2010 $106.26 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Expiration Annual Balance Subject Interest Type of Balance Date Percentage Rate to interest Rate Charge Cash Advance N/A 29.24% (v) $0.00 $0.00 (v) = Variable Rate HAVING TROUBLE PAYING YOUR ACCOUNT? OUR FINANCIAL ASSISTANCE PROGRAMS MAY MEET YOUR NEEDS. CALL US AT THE NUMBER LISTED ON THIS STATEMENT. The year to data information shown on this statement reflects a partial year, starting from the time the information first appeared on your billing statement. 1640 CNB 1 7 17 100!.18 X PAGE 2 of 2 5160 1000 6352 C1BI8640 AMERICAN EAGLE OUTFITTERS sea?i)csarr AE Visa Card MARY E ROTH ae.com Mobile Service: ae.mycreditcard.mobi Account Number 818 Customer Service: 1-888-913-8479 Previous Balance $4,738.52 New Balance $0.00 - Other Credits $4,738.52 Minimum Payment This Period $0.00 New Balance $0.00 Amount Past Due $0.00 Credit Limit $4,000.00 Total Minimum Payment Due $1,311.00 Available Credit $000 Payment Due Date 11/19/2010 Cash Limit $800 00 Late Payment Waming:lf we do not receive your minimum Available Cash $0.00 payment by the date listed above, you may have to pay a late Statement Closing Date 11/1712010 fee up to $35.00. Days in Billing Cycle 28 Beginning balance 0.00 Extra Savings earned with us 0.00 Extra Savings earned outside 0.00 Extra Savings Certificates sent 0.00 New balance 0.00 Earn 4% Extra Savings for purchases in our stores and online. Earn 11% Extra Savings for purchases everywhere else. Every time you reach 10 Extra Savings you wig receive e certificate for $10 off your next purchase. Trans Date Post Date Reference Number Description of Transaction or Credit Amount Other Transactions 11117 11117 F518000NHOD999M CHARGE OFF ACCOUNT "FINANCE - 918.92 FEES TOTAL FEES FOR THIS PERIOD $0.00 INTEREST CHARGED 11/17 11/17 INTEREST CHARGE ON PURCHASES $D.00 11/17 11117 INTEREST CHARGE ON CASH ADVANCES $0.00 TOTAL INTEREST FOR THIS PERIOD $0.00 TWnI Fees Charged in 2010 $119,97 Total Interest Charged in 2010 $551.58 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. 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 and other important information. 6690 CHH 1 5 17 101117 Z X PAGE 1 Of 3 5160 1000 G352 01BK8640 Detach and mail this portion with your check made to AEO/GEMB. Do not include any correspondence with your check. - AMERICAN Account Number: 8 8 EAGLE OUTFITTERS $1.311• $0.00 11,19,2010 $0.00 $0.D0 NW ALLOW Payment Enclosed: black ink $ ? ? ? ? r? ? F1 We currently do not accept Pleases use blue o or black ink. fut payments in our stores. Pay on-line New address or email? Print Charjes on back. at ae.com MARY E ROTH 402 MALLARD DR APT F CAMP HILL PA 17011 AEO/GEMB PO BOX 980013 ORLANDO, FL 32898-DO13 access to information on Payments: Send Notice. See belo questions (but not payments) to P.O. other issAddress. PO Box981401,EIPaso, TX. to foiling date may not appear until next m ell to make a onafine electronic tun ton cK to make an electronic fund transfer. funs your check back from your financial irsit- rp rymeraslub), in yourown envelope- INbat To Do A You Think ybu Rind A Mistake On Your Statement If you think there is an error on your statement, wile to us at: GE Money Bank P0. Box 981401, El Paso, TX 79998-1401 In your letter give us the following information: Account information: Your name and account number • Do#aramount The dollar amount of the suspected error. • Description of Problem: If you think there is an error on your bill, describewhat you believe is wrong and why you believe It Is a mistake. You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing. You may call us, but it you do we are not required to investigate any potential errors and you may have to paythe amount in question. White we investigate whether or not there has been an error, the following aretrue: • We cannot try to collect the amount in question, or report you as delinquent on thatamourit The charge in question may remain on your statement, and we may continue to chargeyou interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount if question or any interest or other fees related to that amount. • While you do not have to pay the amount in question, you are responsible for the remainderof your balance. • We can apply arty unpaid amount against your rredil limit. Your Rights H You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase pricemust have been more than $50. (Note: Neither of theseare necessary if your purchase was based on an advertisement we mailed to you, or if we own the comparry that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card accountdo not quality. 1 You must nolyet have fully paid for the purchase. If all of the dill above are met and you are still dissatisfied with the purchase, contact us in wr#ingat GE Money Be* P0. Bar 981401, El Paso, TX 79998-1401 While we Investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decsfon At that point. If we think you owe an amount and you do not pay we may report you as delinquent. This is an attempt to collect a debt and any information obtained will be used for that purpose. 01 Bka64m - 1 - 08111x2010 `By providing a telephone number on your account, you consent to GE Money Bank and any other owner or servicer of your account contacting you about your account, including using any contact information or cell phone numbers you provide, and you consent to the use of any automatic telephone dialing system andlor an artificial or prerecorded voice when contacting you, even if you are charged for the call underyour phone plan. For changes of address, phone number and/or email, please check the box and print the changes below. Name Street Address City. Slate, Zip Phone # E-mail Home Phone # Business Phone # Cell # or other phone # we can use to contact you will not preserve your rights under lateral law. prm4oe a check as payment you process the payment as a check account as won asthesameday r have your paymerd collected velope,addressed to: P.O. Box Information About Payments: You may pay more than Me Total Minimum Payment at any One. Payments received after 500 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 (a) is not received at the Payment Address, (b) is not made in U.S. dollars drawn on a U.S. financial institution located in the U.S (c) is not accompanied by the remmance 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) inducles staples, paper clips, tape, a folded check or correspondence of any type. Condtbdnai 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 (it) is tendered with other conditions or limitations ("Disputed Payments'), must be mailed or delivered to us at P0. Box 981401, El Paso, TX 799W 1401. Credits To Your Ac count An amount shown in parenthesis or preceded by a minus ( ) sign Is a credit or credit balance unless otherwise indicated Credits will be applied to your previous balance immediately upon receipt, but will nit sal isfyany required paymentfhat may be due. Credit Reports AndAccount Information: If you believe that we have reported inaccurate Information about you to a consumer reporting agency, please contact us at P0. Btu 981400, El Paso, TX 79998-1400. In doing so, please identify the inaccurate information and tell us why you believe I r, incorrect. If you have a copy of thecredit 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 otherdelauits on your account maybe rellected in your cred+. report. Balance Subject To lnlweatChaw Cakuladon DaW Salrfce method: We figure the interest charge on your account by applying the periodic rateto the `daily balance' of youraccounl foreach day in the billing cycle. Wethensold the interest to the daily balance. Togetthe 'dairy balance' we take the beginning balance of your account each day (which Includes unpaid interest), add arty new charges, and applicable fees, and subtract any payments or credits. This gives us the daily balance. Any daily balance of less than zero will be treated as zero. A separate daily balance will be calculated for each balance type on your account. The balance(s) shown in the Interest Charges section of this statement is the sum of the daffy balances for each day in the bill cycle divided by the numberof days in the billing cycle. Bankap" No*@: If you file bankruptcy you must send us notice, including account number and all information related to the proceed ingto the following address. GE Money Bank, Attn: Bankruptcy Dept., P0. Box 103104, Roswell, GA 30076. Youraccountis ownedand serviced byGE Money Bank Nearing impshod:TOD users call 1-800-444-1732. Email Address 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 the named retailer on this account. AMERICAN EAGLE OUTFITTERS' npP "m* Statement date: 11/17/10 Days in billing cycle: 28 Account number: 4784 3110 1110 1818 Your Annual Percentage Rate (APR) is the annual interest rate on your account Expiration Annual Balance Subject Interest Type of Balance Date Percentage Rabe to Interest Rate Charge Cash Advance N/A 29.24% (v) $0.00 $0.00 (v) = Variable Rate -40 CHR 1 5 17 111117 Z X PAGE 2 of 3 5160 1000 G352 OIBKB640 SHERIFF'S OFFICE OF CUMBERLAND COUNTY :-) Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor Portfolio Recovery Associates, LLC vs. Mary Roth ?9?rttp of Lttirrg,?r???4 OFFICE .F'?.: ?F=:iFF SHERIFF'S RETURN OF SERVICE M C7 ?r s?. Co CD Mao ' tT Case Numbe 2012-4098 07/10/2012 08:07 PM - Ronald Hoover, Deputy Sheriff, who being duly sworn according to law, states that on July 10, 2012 at 2007 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Mary Roth, by making known unto herself personally, at 602 Mallard Road, Apartme it F 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. i RONALD HOOVER, DEPUTY SHERIFF COST: $43.00 July 12, 2012 ,?; t_cuc,ySuite Shrnff. ie'G;)sott. L?e. SO ANSWERS, RON R ANDERSON, SHERIFF ,0? MARY ROTH 602 Mallard Road, Apt. F JUL 23 Q ' Camp Hill, PA 17011 Ct1/'f,04 (610) 763-5061 PrN2-ANA) 0 r Defendant in Proper Person YLV !7. 't kA IN THE COMMON PLEAS COURT OF THE STATE OF PENNSYLVANIA IN AND FOR CUMBERLAND COUNTY CIVIL DIVISION PORTFOLIO RECOVERY ASSOCIATES, LLC., Plaintiff, V. Docket Number: 12-4098 CIVIL MARY ROTH, Defendant, ANSWER OF DEFENDANT follows: Defendant MARY ROTH answers the Complaint of PORTFOLIO RECOVERY ASSOCIATES, LLC. 1. The Defendant is without sufficient information to admit or deny the allegations of paragraph of the Complaint as the allegation is beyond the reasonable purview of the Defendant, and therefore Defendant de lies said allegations. 2. The Defendant admits the allegations of paragraph 2 of the Complaint. 3. Answering Paragraph 3, the Defendant denies that the account history is Attached as Exhibit A o the Plaintiff's Complaint, as Exhibit A contains only two non-consecutive statements and fails to show the charge;, fees, interest and the like that caused the alleged balance to be the amount that the Plaintiff is seeking. Further, th Defendant demands a complete accounting reflecting all charges and credits to the account. 4. The Defendant admits that she agreed to repay incurred balance and/or charges. However, ;he cannot state what her obligations were under the alleged contract. However in violation of Pa R.C.P 1019(h) and Pa R.C.P. 10190), the Plaintiff has failed to state whether the alleged was oral or written; and if the alleged agree nt was written, the Plaintiff has failed to either attach a copy of said agreement to the Complaint, or provide an explanation why the alleged agreement is not attached to the Complaint AND to state the terms of the alleged agreement. In light of the fact that the nature and the existence of the alleged agreement is in question, Defendant denies the remaining allegations of Paragraph 4 of the Complaint. 5. The allegations set forth in Paragraph 5 of the Complaint are overbroad and ambiguous as to w at the Plaintiff defines as "all relevant times material hereto" and therefore the Defendant denies said allegation. 6. The Defendant- admits the allegations of Paragraph 6. 7. The Defendant admits the allegations of Paragraph 6. 8. The allegations made in Paragraph 8 are beyond the purview or reasonable knowledge of Defendant. The Plaintiff has the obligation of proving that they are the rightful owners of the alleged debt. Page 1 of 3 r 9. The Defendant denies the allegations set forth in Paragraph 9, as the Defendant believes that ?he balance has been inflated to include improper over-limit charges, finance charges and late payment f Ts inappropriately charged by Plaintiff. Further, in violation of Pa R.C.P. 1019(f), the Plaintiff has failed to plead with specificity the time, place and items of the charges that led to the alleged balance. 10. The Defendant denies the allegations of Paragraph 10, as the amount of the sums that are due nd owing is in controversy. Further, the Plaintiff has not been damaged by the Defendant as there was no contr ct between the Plaintiff and the Defendant. The Plaintiff is a debt buyer who purchased a questionable debt. 11. The Defendant admits the allegations of Paragraph 1 1 of the Complaint. Further answering: 12. The Plaintiff has an affirmative duty to prove the ownership of the account and the alleged debt. If the Plaintiff cannot prove such ownership, then this matter should be dismissed with prejudice. 13. The Plaintiff has an affirmative duty to prove the amount of the debt. If the Plaintiff cannot prove the amount of the debt, this matter should be dismissed with prejudice. 14. The answering Defendant alleges that the amount claimed by Plaintiff has been inflated to incl de improper over-limit charges, finance charges and late payment fees inappropriately charged by Plaintiff. Defend nt submits that these charges are unconscionable and to allow Plaintiff to collect these amounts would be inequitable, and that the extra fees and costs applied by Plaintiff created an impossibility of performance. 15. Defendant denies that Plaintiff is entitled to collect these sums under any contract with Plaintiff or Plaintiff's predecessor in interest. 16. Defendant contends that Plaintiff or Plaintiff's predecessor in interest has charged excessive interest, late fees and penalties, and that there is no enforceable contract between the parties that would allow Plaintiff to recover the amounts already charged. 17. Defendant contends that the above referenced fees should be discharged in their entirety. Defendant denies Plaintiff is entitled to recover the interest that was rolled into the amount sought by Plaintiff, and demands an accounting of how it came to the amounts prayed for in the complaint. 18. Defendant contends that the Plaintiff has failed to properly plead the Complaint as required by a R.C.P. 1019, and therefore this Complaint should be dismissed with prejudice. WHEREFORE the Defendant requests: 1. That Plaintiff take nothing by way of the complaint; 2. That Defendant(s) recover costs, and reasonable attorney fees, if incurred; 3. That Plaintiff be required to specifically prove all allegations in this action, including ownership f the alleged debt, the existence of an enforceable contract containing the interest rate and fees applied to this accou t, and the amount of the alleged debt; 4. That the Plaintiff be awarded no attorney's fees or cost of suit; 5. That no derogatory information appear on the Defendant's credit record as a result of this law suit; and, 6. That the Court award such other and further relief as the nature of this case may require. Page 2 of 3 r' VERIFICATION The Defendant verifies that the statements made herein are true and correct based upon her knowledge, information and belief. The statements are made s4602a!Jar e penalties of 18 Pa. C.S. Section 4904, relating to unsworn falsification to authorities. H Road, Apt. F Camp Hill, PA 17011 (610) 763-5061 Defendant in Proper Person CERTIFICATE OF SERVICE The Defendant(s) HEREBY CERTIFY that on this It day of Tu 2012, a copy of foregoing pleading was mailed, first-class, postage pre-paid to: Robert N. Polas, Jr., Esq. Portfolio Recovery Associates, LLC. 140 Corporate Blvd. Norfolk, VA 23502 Attorneys for Plaintiff This document was prepared by, or with, the assistance of Daniel S. Harris, Esq., an attorney licensed in PA and and employed by Consumer Law Associates, LLC / Consumer Law Associates, LLP (CA, MI) / Consumer L Associates, PLLC (NC) - 972-239-4804, and acting in an unbundled capacity. This client is representing them pro se in this litigation, and the Court and opposing counsel should mail copies of all litigation documents c correspondence, including notices of rescheduled hearings, to the pro se party. Page 3 of 3 Carrie A. Brown, Esquire PA Bar #:94055 Robert N. Polas, Jr, Esquire PA Bar #: 201259 r r , , ILI. Portfolio Recovery Associates, LLC ' E < f ' 120 Corporate Blvd. Norfolk, VA 23502 iv 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 : Plaintiff No. 12-4098 v. MARY ROTH 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 ep rson 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) identi 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) identi 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 April 8, 2008 until the last payment date of June 13, 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: $4,736.52 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 Plaintiffs 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 Plaintiffs 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 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 Plaintiffs 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 Plaintiffs 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 Subn d, 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 : Plaintiff No. 12-4098 v. MARY ROTH Defendant CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Request for AdmissiE pon Def ant, by First Class Mail, Postage Pre-Paid, a coPY thereof on this da of 2013 to: Y > Mary Roth 602 Mallard Drive, Apt F -' Camphill, PA 17001 yyy? j ?1J4/ By: V Carrie A. Brown, Esquire #94055 Robert N. Polas Jr., Esquire #201259 GE Money Bank BILL of SALE PRA 120-day Mid Prime - September 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 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 September 20, 2011, and as further described in the Agreement. GE Money Bank t By: -- Title: CFO Retailer Credit Services Inc Title: President By: Title: Vice President GecM49-, / ooc 2 BILL of SALE GE Money Bank PRA 120-day Mid Prime -- September 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 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 September 20, 2011, and as further described in the Agreement. GE Money Bank F By: Title: CFO Retailer Credit Services Inc By: _ Title: President General Electric Capital Corporation By. ?c Title: Vice President Gecb"9 2 of z 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 Karl Drenth , 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 818 (the "Account") made by MARY ROTH (the "Debtor") made payable to G aptta etas Bank and subsequently sold to Portfolio Recovery Associates, LLC. The amount owed on the account on 9/20/1011, $4736.52 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 20th day of August, 2012 . J?adDrenth Collections Operations Representative Sworn to and Subscribed before me this -o? • day of , 2012 Not Public ANTOiI?f tE MRA? M(Tt?IJ. "M6 My commission expires: version: 10.1_AOS_06 06_2012. SL Poul AMERICAN EAGLE OUTFITTERS' SHOP AECOM• ae.COm ,., / AE' Visa Caa Y MARY E ROTH Mobile Service: ae.mycreditcard.rnobi Account Number 818 Customer Service: 1-868-913-8479 Sumwaiy of Account Activity Previous Balance $4,738.52 New Balance $0.00 - Other Credits $4,730.52 Minimum Payment This Period $0.00 New Balance $0.00 Amount Past Due $0.00 Total Minimum Payment Due $1,311.00 Credit Limit $4,000.00 Available Credit $0.00 Payment Due Date 11/19/2010 Cash Limit $8D0 00 Late Payment Waming: if we do not receive your minimum Available Cash $0.00 payment by the date listed above, you may have to pay a late fee up to $35.00. Statement Closing Date 11/17/2010 Days in Billing Cycle 28 Beginning balance 0.00 Earn 4% Extra Savings for purchases Extra Savings earned with us 0.00 in our stores and online. Extra Savings earned outside 0.00 Earn 1 % Extra Savings for purchases Extra Savings Certificates sent 0.00 everywhere else. Every time you New balance 0.00 reach 10 Extra Savings you will receive a certificate for $10 off your next purchase. Trans Date Post Date Reference Number Description of Transaction or Credit Amount Other Transactions 11117 11117 F51 OMONH00999M CHARGE OFF ACCOUNT 'FINANCE -916.92 FEES TOTAL FEES FOR THIS PERIOD $0.00 INTEREST CHARGED 11117 11/17 INTEREST CHARGE ON PURCHASES $0.00 11/17 11117 INTEREST CHARGE ON CASH ADVANCES $0.00 TOTAL INTEREST FOR THIS PERIOD $0.00 Total Fees Charged in 2010 $119.97 Total Interest Charged in 2010 $551.58 'rhe year to date information shown on this statement reflects a partial year, starting from the time the information first appeared on your billing statement. 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 and other important information. 8640 CHH 1 5 17 101117 Z X PAGE 1 of 3 5160 1000 G352 01-R640 Detach and mail this portion with your check made to AEO/GEMS. Do not include any correspondence with your check -I AMERICAN Account NM WSC) 818 EAGLE OUTFI 1 1r?+r?+ERS' P1111311100" 10.00 11/19/2010 $0.00 . 00 OW AUDIT Payment Enclosed: ? ? ? ? e ? ? We currently do not accept Please use blue or Eblack nclosed: ink. payments in our stores. Pay on-line New address or email? Print Changes on back. at ae.com MARY E ROTH 402 MALLARD DR APT F CAMP HILL PA 17011 AEO/GEMB PO BOX 960013 ORLANDO, FL 32898-0013 information on the Paymwrts: Send payments totheaddress listed on the remit portion of this Nodca: See below for you Billinngg Rights and other important information. preserve yourrights, pleasewriteloourBilling InquiriesAddress. PO Box 9f Purchases, returns, and payments made just prior to billing date may not authorize us either to use information from your check to make a one-timi transaction. When we use information from vnur rherk to make en wartrnm If you think there is an error on your statement, write to us at: GE Morley Bank P.O. Box 981401. El Paso, TX 79998-1401 In your letter, give us the following information: • Acco intiNormafforr Your name and account number. • Do#ar amount The dollar amount of the suspected error. • Description of Problem: f you think there is an error on your bill, describewhat you believe is wrong and whyyou believe ll lea mistake. You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing. You may call us, but if you do we are not required to Investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the followingaretrue: • We cannot try to collect the amount in question, or report you as de II nq ue nt on that amount. . The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine [hat we made a mistake, you will not have to pay the amount In question or any interest orotherfees relatedlothat amount. • While you do not have to pay the amount in question, you are responsible forthe remainderafyour balance. • We can apply any unpaid amount against your credh limit. Your Rights ff You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due, on the purchase- To use this right, all of the following must be true 1. The purchase must have been made in your home state or within 100 miles of your current malting address, and the purchase price must have been more than $50. (Nob: Neither of these are necessaryif your purchase was based man advertisement we mailed to you, or if we own the company thatsd3you the goods orserWxres.) 2. You must have used your credit Gard for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the putchase, comacl us in wrdingat GE Money Bank PO Box 981401, El Paso, TX 79998-1401 While we Investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent. may also mail questions (bit not payments) lo: P.O.Nx 981064, El Paso ou send to us, errors will not preserve your nghtsunder fsderallaw. To as a rrrrurmauen ADOtn r'aymanta: You may pay more than the Total 61limum Payatenf al anytime - Payments received after 5:00 PM (ET) on any day will be credited on the rrext day. Credit to your Account may be delayed up to five days if payment (a) is not received at the Payment Address, (b) is not made in U.S. dollars drawn on a ITS. financial institution located in the u.& (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, a folded check or correspondence of any type. Condftlonal Paymsnt , 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 or lim Rations ("Disputed Payments'), must be mailed or delivered to us at P0. Box 981401, EI Paso, TX 799W 1401, Credits To Your Account An amount shown in parenthesis or preceded by a minus (-) sign 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. Credit Reports And Account lnhormatkn: If you believe that we have reported inaccurate information about you to a consumer reporting agency, please contact us at PO Box 981400, EI Paso, TX 799W 1400. In doing so, please identify the inaccurate information and tell us wiry you believe t 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 oftrdefaults on your account may be reflected in your credit report. Balanx:e Subject To lnfiwast Charge Cakulardon Daily Balance method: We figure the interest charge on your account by applying the periodic rateto the "dairy balance"of youraccount for each day in the billing cycle. Wethenadd the interest to the dally balance. Togetthe 'deity balance' we take the beginning bale of your account each day (which Includes unpaid lnterest),addany new charges, a nd applicablefees, and subtracta?y dr credits. THs gnres us the daily balani guy dai y bWmm%01 ?n wjl bi "ieaEed ea onto A sep;r$(g da ly balance yh l"alk"If.br each betance Won your aecouht.: the balance(s) show In the Interest Changes seclfon of this statement is the sum of the daily balancas for each day in the biting cycle divided by the numberof days in thebllingcycle. Banlvupky Notice: If you file bankruptcy you must send us notice, tiding account number and all information related to the proceed ingto the following address: GE Morley Bank, Attn: Bankruptcy Dept., P.O. Box 103104, Roswell, GA 30076. Youraccountis owned acrd serviced by GEMoney Bank flearing Impaired: TOD users call 1-800444-1732. 01 BK8640 -1 081112010 This is an attempt to collect a debt and any information obtained will be used for that purpose. `By providing a telephone num ber on your account, you consent to GE Money Bank and any other owner or servicer of your account contacting you about your account, including using any contact information or cell phone numbers you provide, and you consent to the use of any automatic telephone dialing system anther an artificial or prerecorded voice when contacting you, even if you are charged for the call under your phone plan. For changes of address, phone number and/or email, please check the box and print the changes below. Name Street Address F City. State, 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 communications about your account and also give permission for us to share your email address to the named retailer on this account. AMERICAN EAGLE OUTFITTERS' SHOP "W f_ Statement date: 11117/10 Days in billing cycle: 28 Account number: -18t 8 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Expiration Annual Balance Subject Interest Type of Balance Date Percentage Rate to Interest Rate Charge Cash Advance N/A 29.24% (v) $D.00 $0.00 (v) = Variable Rate 4 ... .. . i ' 8690 CHH 1 5 17 101117 2 X PAGE 2 of 3 5160 1000 G351 010X8640 PORTFOLIO RECOVERY ASSOCIATES, LLC 140 Corporate Boulevard Norfolk, Virginia 23502 Telephone: 1-866-428-8102 Fax: 1-757-518-0860 Statement of Account Account: ************1818 MARY ROTH Account Holder: MARY ROTH 602 MALLARD RD APT F CAMP HILL PA 17011 Consumer Account Issuer: Assignee: Account Number: Date Account Opened: Date of Last Payment: Date of Charge Off Balance at Purchase: Purchase Date: Balance at Charge-Off: Less Payments: Balance Due: 11-88883 GECM49 Product Code: PVT GE MONEY BANK F.S.B. / AMERICAN EAGLE Portfolio Recovery Associates, LLC ************1818 April 8, 2008 June 13, 2010 November 17, 2010 $4,736.52 September 29, 2011 $4,736.52 $.00 $4,736.52 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 M1818 MKR FN MARY MKR LN ROTH CMPNY_NAME MKR TAXID 082 MKR AD1 602 MALLARD RD APT F MKR_AD2 M K R_A D3 ..................................... . MKR_CITY CAMP HILL MKR ST PA MKR ZIP 17011-1298 MKR_HP MKR_WP MKR_BARDATE 0 MKR BKCHAP ................................. MKR CASENUM ... MKR_DISCHDTE 0 MKR DISMSDTE 0 MKR_BKMEETDTE 0 M KR_BKCOU RT MKR_BKFILEDT 0 ECOA 1 OPENDATE 20080408 CHGOFF DATE 20101117 RMSLASTPMT 20100613 LASTPMTAMT 25 BRANCHI CW4A DOFD 20100416 CHGOFFCODE UNPY LOSSAMT 4736.52 CURBAL 4736.52 RMSFILENUM 62963817 ACCTSTS SF2 STSDESC Sales -Final -FF 2nds _ JDGDATE 0 OFF CODE AED000 OFF-DESC American Eagle Dual Card BCLE 0181 BCLE_DESC GE Money Bank BUYERCODE X09S INT_RATE 29.24 CMKR_FN CMKR_LN CMKR TAXID CMKR_LIABLE - atn 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 9/29/2011 AE' Visa Card ae.com Mobile Service: A N ccount umber -1818 Customer ServviceService: : 1-866-913-6765 SUITIMal ? of Account Activity Previous Balance $4,089.99 New Balance $4,211.24 - Payments $25.00 Minimum Payment This Period $189.00 + Fees Charged $39.99 Amount Past Due $365.00 + Interest Charges $106.26 Total Minimum Payment Due $554.00 New Balance $4 211 24 Payment Due Date 07/722010 Late Payment Warning:lf we do not receive your minimum Credit Limit $4,000.00 payment by the date listed above, you may have to pay a late Available Credit OVERLIMIT fee up to $39.99 and your APRs may be increased up to a Cash Limit $800,00 Penalty APR of 29.24%. Available Cash OVERLIMIT Minimum Payment Warning: If you make only the minimum Statement Closing Date 06/18!2010 Payment each period, you will pay more in interest and it will Days in Billing Cycle 32 take you longer to pay off your balance. For example: Only the Minimum 21 years $12,273.00 payment If you would lice information about credit counseling services, call 1-877-302-8775- Beginning balance 2.42 Earn 4% Extra Savings for purchases Extra Savings earned with us 0.00 in our stores and online. Extra Savings earned outside 0.00 Earn 1 % Extra Savings for purchases Extra Savings Certificates sent 0.00 everywhere else. Every time you New balance 2.42 reach 10 Extra Savings you will receive a certificate for $10 off your next purchaw. ,n ?-?=. •'r`- Vii;'`' _ 0 2.5 5.0 7.5 10 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 and other important information. 6640 CHH 1. 7 17 10061E X PAGE 1 of 2 5160 1000 3352 01Bi9640 Detach and mail this portion with your check made to AEO/GEMB. Do not include any correspondence with your check. AMERICAN Account Number: 818 EA-X%J OUTFIw? 1 1 ER& 1554.00 $365.00 0711212010 $211.24 $4,211.24 OW ALCOW We currently do not accept Payment Enclosed: s ? ? ? ? ? ? Please use blue or black ink. payments in our stores. Pay on-line New address or email? Print Changes on back at ae.com . MARY E ROTH 5071 BASS LAKE DR APT 2012 HARRISBURG PA 17111-5918 AEO/GEMB PO BOX 960013 ORLANDO, FL 32896-0013 CustonwServke/tluestfons: Foraccount information, please call thetell freenumberon the front of the statement. Uniess your name is listed on this statement, your access to informalionon the account maybe limited. You may also mail questions (but not payments) to. P.O. Box 9810134, El Paso, TX 79908.1064. Please include youraccounl number on any correspondence you send to us. Payments: Send payments to the address listed on the remittance 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 Nilds,pleasowriletoourBilling Inquiries Address, BO.Bcx981401 EIPaso; TX79998-1401. Purchases returns and payments made 'uslprior tobillinggdate maynotappear until nextmonth's statement. When youprovide acheck aspayment, you authorize us ether to use information an your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we Lee 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 pa ent, and you w N no race ve your check back from your financial institution. You may choose not to have your payment colluded electronically by sondlna your p?ymeM (wish the payment stub), In your own envelope -not the endorsed window e Inns wAA•..e...A•... Of, tJ?., c-r s.e _ What To Doff You Think You Rad A Mistake On Yom statement If you think there is an error on your statement, write to us at GE Money Bank PO Bar 981401, El Paso, TX 79998-1401 in your letter, give us the lollowing information: • Account Information: Your name and account number Dollar amount: The dollaramount of the suspected error. Description of Problem: If you think there is an error on your bill. descrieowhat you believe is wrong and whyyou believe h is a mistake. You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing. You may cal us, but if you do we are not required ro investigate any potential errors and you may have to paythe amount in question While we investigate whetner or not there has been an error. the following are true - We cannot try to collect the amount in questior, or report you as delinquent on that amount • The charge in question may remain on your statement and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question orany interest or other fees related to that amount. • While you do no have io pay the amount in question, you are responsible for the remainder of your balance • We can apply any unpaid amount against your credit limn. Your Rights If You Ara Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay t he remaining amount due onlhe purchase. To use this right, all of the folkrvnng must be true 1. The purchase must have teen made in your home state orwithin 100 miles of your current mailing address, and the purchase price must have been more than 550 (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if weown thecompanythat sold you the goods or services.) 2. You must he% used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3. You must notyet have fullypaid lorthe purchase. f all of the criteria above are met and you are sl III dissatisfied with the purchase contact uslnwiitingat: GE Money Bank P.O. Box 981401, El Paso, TX 19998-1401 Whilewe investigate, the same rules applyto the disputed amount as discussed above After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Information About Payments: You may pay more than the Totaf MinMwmPsyrrwrrtat anythme. Paymenta recelmda6er500 PM (ET) an any clay will be crediled as of the next day. Cradle to your Account may be delayed up to five days if payment (a) is not received at the Payment Address, (b) is rO made in U.S dollars drawn on a U.S 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, paperclips, tape, a folded check, oroorrespordence of arrytype. ConditenalNygwts: Alwill communicalkmsconcerning disputed amounts, including any check or other payment instrument that (i) indicates that the payment constitutes "payment in lull-or Is tendered as full satisfaction of a disputed amount; or (it) is tendered with other conditions or limitations (`Disputed Payments'). must be mailed or delivered to us at P0. Box 981401, El Paso, TX 79998-1401. Credits To Your Account., An amount shown in parenthesis or preceded by a minus (-) sign is a credit or credit balance unless otherwise indicalad. Credits will be applied to your previous balance immediately upon receipt, but will not satisfy any required payment [hat may be due. Credit Reports And Account Information: If you believe theI we have reported inaccurate Information about you to a consume-reporting agency, pease contact us at PO Bork 981400, EI Paso. TX 79998-1400. In doing so, please identify the inaccurate information and tell us why you believe N is incorrect If you havea copy of the credit report that includes the inaccurate information please Include acopyofthat report .Wemay report information about your account to credit bureaus Late payments, missed payments, or other defaults on your account maybe reflected in your credit report. Balance Subleef to Interest Charge Calculation Daily Balance method: We figure the interest charge on your account by applying the periodic rate to the'daily balance"of youraccourt for each day in the billing cycle. We then add the interest to the daily balance. To gel the'dailybalance' we takethe beginning balance of your account each day (which includes unpaid interest), add any new charges, and applicable lees, and subtract any payments or credits. This gives us the daily balance. Arry daily balance of less than zero will be treated as zero. A separate daily balance will be calculated for each balance type on your account The balance(s) shown in the Interest Charges section of this statement is the sum of the daily balances for each day in the billing cycle divided by the number of days in the billing cycle. 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., PO Box 103104, Roswell GA30076 Your account is owned and serviced by GE Money Bank. Hearing Impaired: TDD users call 1-800-444-1732. Ot BI8640 - 4 - 06128/2010 This is an attempt to collect a debt and any information obtained will be used forthat purpose. 'By providing a telephone number on your account, you consent to GE Money Bank and any other ownerorservicer of your account contacting you about your account, including using any contact information or cell phone numbers you provide, and you calsent totha use of any automatic telephone dialing system andlora n artificial or prerecorded voicewhen contacting you, even if you are charged for the call underyour phone plan. For charges of address, phone number and/or email, please check the box and print the changes below. Name street Address City, State, ? Zip Phone If E-mail Home Phone ft Business Plane If 'Cell x or other phone M we can use to contact you Email Address By providing your email address, you agree to receive email communications about your account and also give permission torus to share your email address to the named retailer on this account. Transaction Summary Trans Date Post Date Reference Number Description of Transaction or Credit Amount Other Transactions FEES 06112 06112 LATE FEE $39.99 TOTAL FEES FOR THIS PERIOD $39.99 INTEREST CHARGED 06/18 06118 INTEREST CHARGE ON PURCHASES $106.26 06118 06/18 INTEREST CHARGE ON CASH ADVANCES $0.00 TOTAL INTEREST FOR THIS PERIOD $106.26 )010 Totals Y,?,-o-To-Dat, Total Fees Charged in 2010 $39.99 Total Interest Charged in 2010 $106,26 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Expiration Annual Balance Subject Interest Type of Balance Date Percentage Rate to Interest Rate Charge Cash Advance N/A 29.24% (v) $D.00 $0.00 (v) = Variable Rate HAVING TROUBLE PAYING YOUR ACCOUNT? OUR FINANCIAL ASSISTANCE PROGRAMS MAY MEET YOUR NEEDS. CALL US AT THE NUMBER LISTED ON THIS STATEMENT. 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. 6640 -H 1 7 17 100618 X PAGE 2 of 2 5160 1000 6352 O1B18640 Fir AMERICAN EAG NEW YEAR, E c NEW RWARDS -- SVia,nett date: 01117/10 Days this billing period 31 Account number:-1818 YOUR AE*VISl1 CARD STATEMENT HAVE AQUESIION? 865-913-6765 MARY EROTH,yorr minimum pay meat of S137.00 isdueon02109110 Balance on 12117109 $3,901.17 Notice: See reversesidefor impatient information paymem you mad4 on Otil 1/10 -200.00 including how to report a billing error. Credos -39 .E Get the 411 oil your rlew Rewwrds. See gnat c charge & transaction fees +98 87 following page for details. New !glance 53,761.04 Minimum due on 02J09110 S 137.C-0 Remember, to avoid late fees, you Haut pay at least the minimum payment by the due date. Beginning balance 0.09 Earn 4% Extra Savings for purchases Extra Savings Certificates sent 0.00 in am stores and ontire. New balance 0.09 Earn I% Fxlm Savings for purchases everywhere else. Every time you reach 10 Extra Savings you will receive ft Mull Cale for $10 off your next purchase. Credit limit 53,000.00 Cash advance limit SSM.00 Availablecredt $238.00 Available cash $238.00 Outside AE transactions 01/10 01/10 F5160ODCEMOLFUIO RERJND OF LATE FEES -39.00 Average Daily Corresponding FINANCE CHARGE Expiration Daily Periodic ANNUAL to Daity tans n Dale Balance Rate PERCENTAGE RATEriodc Rate Fees Cash Advance N/A $0.00 0.08217% 29.999E $0.00 $0.00 TOTAL FINANCE CHARGE: 598.87 ANNUAL PERCENTAGE RATE for purchaMD9% ANNUAL PERCENTAGE RATE for cad, advanftW 6 Save time, paper and postage by mmugingyour account electronically. Go to ae.com and sign up for eBill today to see how easy it can be. Did you know you ran now use you AE credit and at Martin + Osa stores and manina dose.com Their riodic rates shown may vary. payments are due by 5pm ET. We my convert your payment to an electronic debit. See erse side for details 8640 U Y G 1 7 17 100117 PAGE 1 of 5 5160 1000 G352 0=8640 Detach and mail this portion with yourcheck to AMERICAN EAGLE OUTFITTERS. Use blue or black ink. Sorry, you cannot pay in a store. ® AE VISA CARD MINIMUM DUE NEW BY 5PM ET BALANCE ON02MIO $3,761.04 $137.00 Account number. 818 PAYMENT ENCLOSED OEMM C? Save a .Vamp, pay on-line m -'run FFADADFFADTTAFFDADTDDFFATAFFDDTDDDDTFAAADFrDrTFFDAAATTFFFMAADFAT MARY E ROT14 AEO/rEMB 5071 BASS LAKE DR APT 2012 PO BOX 96W 13 HARRLSBURGPA 17111-5918 ORLANDO, FL 3289640013 TDADD FrrADTATADAAFTFDDAATFAAFADFTDAFTL)FDADAAATTATTAFAFAFDAFDTFTTD 1 81803 Mai quastions(nd pay-n8 and your actnunt -11- r PO ear 981064, Ei Ratio, TX 79*8-1084 TerepWringatoutosmge rorswa not preserve your rghm W. Ffidext law. To prearrya your rights, phase wile to the aping i qusem Address in the Bill" Rods 9lmmarybelow ForACCOUti idomalso, call Sol fate, i_ 913a76s ung ssyar name s ibbd on this statement your scams to nMmason on the account maybe Immd Send paymamsto: Amman Eagle Oummins PO B. 9&013 Orlando, F L32806w13 Notice: %a babes to Being Rights, Blase Inquiries Address for dspuled peymaMS, andcater inporbnlnbnsallo, Purchases, etums, and payments made just prior to bung data may not appear Until next mgnths statement. Unless promotions call for special turns, additional finance chargas can be eroded 1111181`0001V0 the ngwb8iffiCe by B:DOp.r. (ET)on the due date. We fa erve the right to obmn payments bctronically for any check orothe r inatru mart thatyou send In us by inhaling an ACH (electronic) delta in tie amount of yourchack or lnstrumemtoyouraccount Ycurcheckor Fbtrunentwill not be mturredtoyou by moryour bank. Your account maybe da bited mearly as the sera day we receive yourpsyme m. Youmaychoow natto haveyour ptrymomcolbctedeledronically bysanding your paymort far ith the Payment aub), in your own erne lope - not to arc land window amraops • addressed to: American Eagle Outfitters, P.O. Box 530993 Athhis, GA30353• Wag and not the Pay mamAddfen. IrdormNlonAbort Paymerie; You must py at Isast the Total M W mum Payrnsnt by i:0o pm. (ET) on tits Pymam Dun a e, ahawnon 1M Sbtement lbu my pay moro than the Total Minimum Payment start/ time. Any Payne rim eceved aser 5: 00 p. m. (ET) on any business day, or marry day offer then a bushes, day, wig lea credtedonthe next businssaday We my also ofbr Services in whin yyou my pay your bill by tebptwre ('Pay by Phore') or hrough the Imerrwt.'& may charge fees for these services. Our customer Service representatives are instr uded to tell you about any fees for Pay by Phone services and any fee for maNi rig an on ere pay nand will be disclosed to fro a odi na. Credo to your Account may be delayed up to foe days it payment (a) is rot raceved at to Payment Address, (le)is not meals in U.S.dollerackmn m a U.S. Finanraal Institution located in she U.S., (c) is not acocmpar ed by to top portion of your stalemed,(d)oa"mmvetwr epayments coupes, (e) is not reaeiwd in if. mmeance rwebpe Provided or (g includes Stepb., paper -fits, tape, a faded check, or o-rresponw nos of any type. CandtlonelPaymenfaAgwribncan- murications concern" disputed amounts, moo udingany dnedi w ofbr payment irswnent thou: P) .1came that the payment oonstsuws 'payment in full" or is tendered- full satisfaction of adla Wed amou rd, or Pit is tendered wain other cortdti me or inhiteYans ("DiSpL*d Ppmerta'}, must be mailed or &W red Its w at PO B.x 991401 Elio- 7X7999&1401. Payment Mbcatlon We reserve the right to solectthe mstrod by which pay ne rtb and -reds are allocated b you Account n our sob d'scretim. The payment allocation method that weua may reedit in higher Finance Charges on your Account a reduced savings; attributable to any reduced APR promotion, depending on the types of transactions and promotions on your Account, and to tiring and amount of your payments. For'_ 1., from time to On. we may fifer rndcedAPR Promotions('Wald Wlds Prolnot ions1 that apply a i whare you we your A...M. Becousewsaibosbpsymedstolowa APR batana.fi.t syou haveabal.nce tat has bahtsghs, APR than ary World Wide Promotion you may ir.- riot receive the full b.reb of the reduced APR ot the World Wilds Promotion, t you hweatyquestionsaboutihe allocation of your Payment, pleam all the customer service phone nrnber bcatedm ymur billingat ismert. Ca deb b YateAccoum:An amountfatinwed by a mane (-)den lea aedt a credit balance unless, o;Mnvise'mdcaled.Credtswil baepplbdtoyrxr Prwious balance immediately sport receipt, but will rot Satbfy any required paym a nit that may be der. Purchara The PuratenDabncesuhjed toe CndtFbperbArdAoa euntlydermarbn: tyou period- Fnamis Charge b the Pu Nusse Daily beieve that ws hats reported inaccurate BalanceoitheAoourt. Howwm, Puivi mss are information about you to a consumer reporting not included In the Purchase Baance subject to a agency phase carats us at PO Box 991400, El periodic Finn. Charge fora bigngperiod Maw Paso, TX 799118-1 400.Indoing so, please identity no previous balance m your Accent at the the inaccurate, M-nation and Set us why you beginning of the biting period, idudrg arty believe it is incorrect If you hero a copy d the Promobunal and Special Promotion balances credit momfiat ncludesteinaccurate informa- ('Prev'raus Balance-), or the sum of your tbn, Plea itcluds acopyof that report. You are payment. and credos posted to your Account by hereby ncsfbd tial a negatia credit repro the Payment Due 090 is at bast equal to the reflecting enyourcreds mcodmay besubmited Previous Balance . To aktermire its Pumfese too consume r reporting agency ifyoufaXtofugf, BdargesWjBdb spetiodb franca Charge, we thebmsofthbAgreemsM. tare its prior day's Purchase Balance of your Account, which inckldas ary Unpaid periodic Fatance, Charge onyour Purchase Balance, and add any yew Pu rohases, mdot a rdeblaclnrged to your Aocwnt that day, and albtad any Payments and other credit; applied b your Purdha Date- that day Each day we slim add any periodic Ft.- Charges an your Purdha Balena and other Fir,anc, Chwgea and lees, father than Tmnsection Fees for Cash Adrancea), Including my debt cwhoepalion fees assessMth0daymyourAcoxrM Thlegvesus the'Purdwn D*Baanos'oft*hoC rs. Any Purchase Daily Balace d less that zero will be treatedaszero. if there is no Prevous Balance for the billing period or the sum of your payments and a ck. postedloyasA-Untbyth. PSymmtDue Data is at bast equal to 9e P-1a- Balance, new Purchases mdador retaedohargesinthstb iNng period wig begin to aoaue is periods France Charge as of to fret day dam next being P clod to p irbdoFi anceChwge, 6 k9twed in the next biting psdod. 10. . is.Pfwlouseaarhce for the biling period, inducing any balms of Pur dhmes made under any Special Promotion, and the m m of your psymme and credits posted to your Account by the Payment Due Dab's not at bast equal to that Prwios Beam., new Purchases and otter related charges wB begin to scans a Finance Charge from the law of the dab of the transaction or tie first day of the filing period in which aha to reaction is posted for you rAccount. Cash Adwrwsa. The Cash Ante nos b4- subjecttoa Pa Mdie I-- Charge is the Cash Advance Daily Balance of the Account. To determine the CashAdvance Balance sublisinto a pent dio Finance Charge we lake der anor day's Cash Ad-- Bets- of your Amount, which in-ludimt ny unpadpwiodo Finance Charges on your Cash Advann eaance, and add any new Cash Advatees, Transaction Fees fur Cash Ademoes and Periodic Finance Charges on your Cash Adverse Balance for that day and subtract Tebphoro ibnlahg: To ensure that you receve accurate andcouNate cwbmeraervice, arry payment andothercredb applied to your youblephone.M *usmybemortdaedhy CashArYa0e Bamcetihatdp, Thb¢resuetM our employees or agents, and you earn to ft "Cash Advance Daily Balance" of the Aomunt. monitoring. Any Cash Advance Daly Bahamas of bas than Informs". About Ff-- t:ltergn: Th. zemwifketreatedaszero. balers allied oar Periodic Rnana Chor?ess le Cash Adhaom, Transedion Fees for Cash tabulated separately for Pumhens and Cash._ ?, ad otimrekted dhafgeswNlasausa Advances.Youcan cehmamsthie Flnmas Or!rg9sr_. Finance Charge from the lea of the balances by(for Piro Bash of If. atereg. d4y: transaction damorthelindaydthe biNngperiod the number and Cash Advances by In which the Cash Adsnce IS posted b our appropriate to b nunba of dips in the bathe period: (2) multiplying AccourlL Them broPmiodwthbn which you can i dish at tie re by the applicable alt adding "'old "'old parbdia Finance Charges on Cash ?hose draductetpsrbdogete r.o rater and ( (3) 31 Advances. Billing Blights Summary- In cased Erners or Queer bnsAboutYwr Blt:nyw tart kywr NI is transactioor gym need n on your let, write to w on a asperse, shoot am SiNngi nryuk*.Addess: PO Box981401, R Paso, TX 79Ns-f 4D1 assoon as pos.ble. We must hear somyoa ro Vaer thou SDday. etW -.,d y.u to firet bgl o nwhidh the a far or problemappeaed. Ym cm telephom us, butdoig i owdl W preorveyoa right.. in your letter, gks usthe following nbnmail- -Your name and account number Th. doper amount of the awpact.d.rra . Describe the error and Soroah 9 you can, wiry you helms thew is an .nor. If you reed more information, describe the sets you are unsure abort. You do not taus b pay any amours it question while we are Investigating, but you are all ab4m.d bpay the p.nad yon all thetas cot n gleetJon. WhNewe inwittlae your question, we cmnot repmyw as dainquemo take any action toaledtheamcurnn question Special Rub for Cmdi Card P mohasss: t you haw a problem with the gradly of property or services that you purchased with is credit card, and you heirs triad in good faith to coned the problem will tie merchant, you may have the right not to pay the remaining amountdue ontha coo a tya-i-Thhemaretwo lindktonsm (a) Yam must non made the Prrdnase in your he rte stale o, 9 notwith nyour homy stare, wnihin 100mR.sofyoureu tmdlegaddrew;and (b YTre purchase pima m usi have tarn morethan 350. Thaw grratatiore ol-tapply aweavn-cerab the merchant if w mailed you the advmtie nrnw*fortheprepayoraervioes. Bankruptcy Notice: t you ile bansruptcy you mum amid us notice, rick ding amount number mdallnbrnetion relabdtote proceeding to#. follmwkigddene: GE 4torey Bark, Attn: Di nkruptcyDaspt POBox 103104 Floewel,GA3007E You, aser mbowwdandasnbed byGE Money Bank Fa compete isms and a0ackl m dyour m- unt, coneulty-CreditCedApaemem Heivingimpdrod T DD users ca11,900444-1732 01Fta640 -9-052108 Use of InbrmaionAbout You and VourAcorf nt: OurPrivacy Policy tkecdxes our cdectim and dsbeure d idommsion about you andyou Account. gym would Ike Mother copy of fie Pd veto/ Poky, Please call us at to cuabmerservioe telephone numbs rindcaed on the front of this Vatamor. This is anattomptto coRBddebt andny idommibn obtalnedwA be used brthhatputpote. Credit Bissau Reporting: We their report Information about your account to credit bussew. Late payments, missed payments, or other defaussmymraecotntmaybe msoctedinyouremditreport Please drtchangesofaddress, phone number, andlorerat bafva. Sheet Address City ST,, Zip Phone s F Prove .times Proroe C-sphere or or harrhaat EmarAarars hmeat tea emnoaea BY PROVING YOUR ENIAL AD DRESS, YOU AGREE TO RECEIVE EM AL COMMUNICATION ABOUT YOUR ACCOUNT AN D ALSO GfVE PERMS90N FOR US TO PROdUEYOUR EM A] LADDRESS MA WE RICAN EAGLE OUTFITTERS NEW YEAR, NEW REWARDS! Starting January 1, 2010 Extra Savings- Faster? Purchases on your card at AE, aerie, ae.com, aerie.com and 77kids.com, earn 4% in Extra Savings. Spend just $250 and get a $10 Extra Savings Certificate. Purchases on your card everywhere outside AE, aerie, ae.com, aerie.com and 77kids.com, earn 1% in Extra Savings. Spend $1,000 and get a $10 Extra Savings Certificate. - Use your Extra Savings Certificates in our stores or online to save $10 off your next purchase. We have converted your unredeemed AE Visa Rewards points to the new Extra Savings Program. This is what you will see on your statement: Previous Rewards ! (New Extra savings Program! Beginning points balancai ^223 Beginning balance d b ? 2.25 New points balance 6601 (New balance 6.60 8640 -G 1 7 17 100117 PACE 2 of 6 5160 1000 6352 CIFLO640 AMERICAN EAGLE OUTFITTERS' SM AL M* AE' Visa Card MARYEROTH Account Number ae.com Mobile Service: a e.mycreditcarduwbi Customar Service: 1-866-913-6765 Previous Balance $3,761.04 Now Balance $3,720.02 -Payments 5137.00 Total M3rdmum Payment Due $134.00 +Finance Charges $95.98 Payment Due Date 03/12/2010 New Balance 53,720.02 Late Pay ment Warning: If m do not receive your minimum payment by the date listed above, you may have to pay a C}edt Limit $4,000.00 late fee up to $39.99 and your APRs may be increased up to Available Credit 5279.00 a Penalty APR of 29.994x. Cash Limit $800.00 Minimum Payment Wanting: Ifyou make only the mdnimmn A vai4Mle Cash 5279,00 Payment each period, you will pay more in interest eM it will Statement Closing Date 02117/2010 take you longer to pay off your balance For example: Davs in Milne Qele a I Begin;; balance 0.09 &ira Swings earned w th US 0.00 Extra Savings earned outside 0.00 Extra Savings Cerlicates sent 0,00 tdew balance 0.09 If you would like information about cdt counseling services, call 1-877-102-8775. Earn 4% earn Swilps for purchases in our stores and ovine. Earn t% Extra Savings for purchases everyw here also. Every lira you reach 10 Extra Savings you w i receive a certificate for $10 Off your next purchase. 0 2.5 5.0 7.5 10 Crher Transactions Trans Date Post Date ReferosceNumber Dear of Tnu sectionor'l Amount 02/17 02117 -F7NANCE CiARCIE• PURCXASESS $95.98 CASH ADVANCE $0.00 95.98 PAYMENT DUE BY 5 P M /fill ON TAE DUE DA'IF? NOTICE: We may convert your pay marl {alto an electronic dabil. See reverse fordetaiis Bining Rights and other important information 8640 CHH 1 7 17 100217 PAGE 1 of 4 5160 1000 G392 OIRBS640 Dalecb and mail this port ion with your check made to AEMEMB. Ito not inchndaany carrespottdeace with your chat AMERICAN Acootmt Nutabar. 1858 EAGLE ?e?yS ORJ1 F I1 1 ERS• $134.00 0311212010 $372002 ee0?arXW _Bayttaeut Enclosed 110 . f:, .,. .,•_.. Plebe use Latea blerFinK. - - - Wecurleld{y doruot accept '.. - payments in au stores. Pay On-line Newaddress or email? Print Changes on back, at ae.coun MARY E ROTH TDAADDF=TTATTDADFADADTAAFDTTI'D'IFFDIDFAFDFFFDTATFTAADrMTFMFAF 5071 BASSLAKE DR APT 2012 AEOYGEMB HARRISBURGPA 17111-5918 DTDTFTFAATFTFATDTTFDFFDDDADDDDADATDTTATAFF3DDTFOPO BOX 960013 693 , - 1 1 81803 ^aafowsrSarvfcdQwatiuna: FaaccoAt dtomitian, pleasecd theb0 frao nwriberonUrelrat d afb;3taianeW_ tkrlessyor?namee latedon lf,H w eat,yowaccasatoN(mmatianndtteattaximaybaDatedYmnNyal?awiaraNiawtbatnospaymarts)b'P.O.tiesot"".EIPao, T) 7M.1064:Rmoineksder your xcoundMmbaronn;IMcoresspon owyovSendtoll. rimaMa: Send payments to to address filed on im mrdt portion Of the Statement a pip a9kre_ loYee:9eebelow foryour BillgRights andOther important Wornuilim, aDOUtbminngga'roswetndlpreserveyourthis underWWI In ropwaerveyaurriglnta,pmewrilebcurBiaingkp(6rieaAddreas P.Q.®mcgOd ElPawo TX 7fIB96?1101 rlsanasnd, rwums, and paymeeAs m")W pdato bMV dalamay not appewwM mad mortis stalamart ft mmw the ngtt to oblan payment elilrorkcely, llot" c aekormhermai umakthMyoutold tout by Mating MACK (elecdwkefdeta biheamoaa of yotrcheakor Nakum"toyar a.count. You check aktatrummf we not bareaanedbya byus of yowbl AIL YewbmwaazurdMey be del:ltedas a" ae it* sameotf i e receive oowna -niot$0w a bogw art?paaddmaa ro:PID.=ft gMa ?7?+SJO?S?mwwOft 1111141 iattttA Address Yaw KU To Do M You Mink YwFbdA Mhtalwoa Yaw SlsOenant If pour ha bme 4 mr mwrmyaasfdanad,,Amelo usat: GE ?Ao?rSank. PG. Bak 981401, EI Paso. TX 799B?S401 ayou map also c»kaU us on Itxi WeD d wvrA.aa.com M yaw lever, gives us the beewitrt prfumaYour news antlaxrArk manba • The dot eramola d ihesusImted wra . Deaap6af otlhe pmbbn. Et you Bsmk liters is arstnaonyyaowr Wl. ddscrk7e what you ballao is wrorgand whyymi bslive it is a ma{adw You mud wnlad Yaw" Wdm odor Me ermramearedoom it statement. lmu mat ?qn. srr?wa uwwugaewmrerarmr mein rmsoeerran errs, One awDan?arelrrra: 1 Ices osllntKaerk oa cwt artranl . The chwge N iyuea6on may rarmmonyroursmma?t. and But Owe dstemtine that vas made a Mslarim,, you will not tats to pay the amount Ngatitm n c ileyourbndh"loPayteaamowtinrauedon,youorerepon isfor theremanderofyowb DM* lied. furs night, at of pis lolooft must to into: 1) Theptsanass asst anus bean made m )6'x harp rtsta or WkW 1bi miles of your s, and lnepulch08 mme mud hmeheen mom ftnW. {Nose: NeOwd bwseare re cesseryiifyow pscb easwas b> W on an ledbyeu, or 0 waoan UmcwO" Met sold you the goods aseraoea.);2)You must hwe need a?eacaMbrlhe purchase Cash a"r4$tonanATMorwlhacheckthat eaesew creeltcard accowtdo aotc> ly;4YoumW trotyetnave to a andthealsoaabowearematandyaama10ntta6a» dwitlfherArcraacoatalCtulinmi^g(of ofd 881401.EIPM,TX790WI401(wwwae.cora).Wntewekt"Wate.theaeaeruneiMHbittedbhuledamo decLoam Crodtslo YeiAccoena:AnaffmWpmcaledbyamisn(•}sioorblmwd GR"sacredlarseditbatnncewteasdherreeindcatad. Credits witbBapR?dioyatr?rbusl?le?ImmeCialetyWa+rxatyt.DUwltro[s?tatyanfraq?smd Kaymarpttml rr+?twA1e Tek= Morrlkrft. To e:sum dad you rat alve aecurab a.MSartewts cagaw serYre. yeti tweytam was with us may be mombred by Our e or BONS awyouagfeebthisirxrwret; Cm&RapwrbendAeeewslMporrmdwa; "you beaehvTwawemayhaversporteiNecGunwinbnrratonabout youbemrwnrer-reponNgag4ltry please WMect w d P0- BNC ?f400, EI Pkso. TX 7gggB-14x1. b dbing ?, p?qe 4lmitylha ktamaate kdu[matial and tduawtrp yDU bdgft a Ig inwrreG. if your" 32 of tretrea%epal that irkkadeatbe kwoewate inbraw?L please t cutiea MW of that moat. vk may rem" Nlameton awAywraccowd bcrodi butBaos. late payntema. mKSedpaymenla: aoturde4mtwonyowami t may beretededafyrouueai noon. lafirmatFanAboadFbwaos CAerpas: The ndtarrASr?jw.i nos perWaFUance Charge ecalcuidectse0qualy br Purchases and Cash AAvmom. You cancakatateiheFklaxeOMWtiy(T)awtiptytgeachottheaveaQedattybaWnGaSIVPocrsaasandCabAdaaomtylmntf of days in ihebBkg period; f21 ewt+oitgrenrlstygmepptoaGedeNperbdro rate; cellos (31adc4rglltateprTdxts t?athea A. Pranbnsas. The fdrehase 6abnceauA(ea! b a penodc finance a the Plaahase (]aap9a6xroed (he ArxaAk. Noweeo, Purct?aes arwrat nckdedinlnsArCSSeaabrioesubjxlbepwbdbFrlamtaChargefwabilk=tlmressnop ousbalerwonyowAcw Aaline otaiabiWgfd-4anyprooidbrmtesddpeciaPwredatwnlmlarnees Bawnnce'}.othaswndyAfapaymwtaadow6fa your ACCteil bJ tlw Fmyeam Due Cote la at gnat wNwl fat ihB PraiOUa BatarlraTD dataraanna the Pwohi9a BalaMaadtnjaal b i peri06C Fkwapm Gherye.wewlceflteR?aday5lswcteseBNerfceaaywrACeourt,wtkch(rnckrdes uryefdpeflodcFLtarceChwpeonywiFhatlwseBetwroe.and add fry nee Purc3ates wd doer def>b cnaged b ACmgwgafgBBkSffi day! and suftreCt say p?rrenb and cares vedls spoked b yogi Rimnsbse Ttarsagiors F? 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TraMadan Fear la Casa A?aoes aM aver reI Charges vein aantea p FNaifne gwrpe tads ire taaer of 8fafrafsmiar Qawadwfiml?pathebli<gpwtodnWik?hlteCehpdewrceis{wstedbyradAan? ThwsenoperbdNwhchyroucana+?dpedodlaFkvaxsa rhagesonCabnAdsrxwas aUSlfsactioriFOptfaCash Advwnoas. Bwibuipicy No*#. N you file batknpacy mist send ua Wxe, #04q xeowd number and at Ntdmlaton related b 8w pmoodng loft fotWwing na; ( M1t y@wtt.! B (pyl7aP9.- RmW, GA 313076, Yareraccatatekowmdaada?rWdadbytiEtfgwyttaae. Fa cdmple?ferms aralamditidrs elf yqw a?wxt, casullyourCrsdf CardAgreamwA. Heaft Impaksd' I DD users cal 1800444-1732. G18B86Po - 5 - t)2A'?a2010 (Me of kttorasalloo About You and Yew AccauM: Gtr Pdvaq P4 q deeaitsa our WW *r and drsdoawe of e'AxmaW WO you and yow Account. If You would fife a OTT cony of ft Rw yy PbaCt, please cat us at foe CUsWw salute tel8t;tone nunber md!Wed on the flak of ttls statement. Tads is an atemp to called a debt aviary information Obtained will bu used for set pupoee. Bypr9nding a mlop ons mantel an my account, I trivet to GE Abney Sank and fry oft comer a swr"r of my awourd cwwing me about my aocowd, axfrdng US%any nomad Wonne ion ucee phone Mrtifere I plaids, and I casein to the use of rtyaubmatie telephone dilating system andAran art fealorprerecorded wits when contacting me, if I am charged bribe cats craw my phone plan. :: Fa cnangetr d adxds. phorferamben wd4x email: piesaa ? k+aisa and print the dfarngee bebrr (lame Street Addn es CRY Salle Phone t E-mal Name Rmne I M msOhonaa Cat A or Other phdae All we Emal Address can use b wood you BY PROVIDING YOUR EMAIL ADDRESS, YOU AGREE TO RECEIVE EMAIL COMMUNICATION ABOUT YOUR ACCOUNT AND AL SO GIVE PERMISSION FOR US TO PROVIDE YOUR EMAIL ADDRESS TO AMERCAN EAGLE OUTF IT TER& Averapp Daily Corresprmding HNANCE CHARGE Expiration Daily Perb& ANNUAL Die To Daily Transaction Date Balance Rate PERCEN'TACE Periodic Fees RATE Rate Cash Advance NIA 30.00 0.08217% 29.99% $0.00 $0.00 TOTAL FINANCE CHARGE: 395.98 ANNUAL PERCENTAGE RATE for purchases is 29.99%. ANNUAL PERCENTME RATE for cash advances is 29.99%. NEW YEAR, NEW REWARDS! Starting January 1, 2010 Extra Savings- Faster! • Purchases on your card at AE, aerie, ae.com, aerie.com and 77kids.com, earn 4% in Extra Savings. Spend just $250 and get a $10 Extra Savings Certificate. • Purchases on your card everywhere outside AE, aerie, ae.com, aerie.com and 77kids.com, earn 1% in Extra Savings. Spend $1,000 and get a $10 Extra Savings Certificate. • Use your Extra Savings Certificates in our stores or online to save $10 off your next purchase. We have converted your unredeemed At Visa Rewards points to the new Extra Savings Program. This is what you will see on your statement: r Previous Rewards Beginning points balan 225 Point e, 310 Point t:d outside AE 125 New points balance 660 New Extra Savings Program! Beginning balance 2.25 Extr >?is 3.10 lam outside 1.25 New balance 6.60 Please take a moment to familkilize youru f with the layout of your now billing statement e 0 SPECIAL MESWAS Check hem to learn el special offers and pmmobons for cwdh*m I likeyoul m OsUAMAAli YOFACCUUWACTIVITY .-w iiny+ Thee sechai Rsts yutx PravWas 8alence and Nefteses ft acUvRy ? ? >d that makes upfrom'New8daece.Also, ymcancheckymawMable .? - deditatsg0rle. 0 PAYMENT INFORMATION +Wo "U'A w yen-maw awesce, Tote! ,.. wimum Paymera Da and isayrrienf ; Due Dole.11WI Alec Yadadditfafaf a 0 -. ^y^r....,-. .. _ _._:.. ",. ,.. BlOnrrdUAn M patyYg droaii yam bdNxie. 1 ,.- ,', Q N?OAtANT ACCWNT M?ORlW(rnON ? r,,.K? f 00 Pmvdos dens on cfaingw to you ?• ra or exM - _ T Interest Rate, A PAYMENT COUPON Rahn Rahn this his coupon m With Wit ?yt3 ' tS" a+ ?/i? 4 ynrn payment W the enmsed envdw Be sue n Mal ycu payment 11 earty so chat ft Is recelfiW bare the due dad. . . fwe mw* do not actopa payment in dorea? - ;t r • _ _ OonY lapel trAt yoe can also payyax bf1 odaia s+mdu :;;'~ ? ?•? ? : - +. ,,..,.r tpb?eoari11s9eri?Arladl-' r. - 0 EXTRA SAVRtOS St VANbIRY » r ' "r T y^s Check W Egm Savings balance ad see baw desa you fee to *am* you xfd rxtia Savings Cerhticate! iD TRANSACTI N SIAMMARY PwIft a dim fio*d wag of yatr purahasts Nd OEha i ? ±transectinns for the cufrett hilt 081W. a Q FINANCE COME CALCULATION Review infereat rates and Anoixe charges thffi apply to Regular Purchases and Caah Advances (for Visa Cult a ws Ontyi. The 0=710 shmra is Wr ffimnem, mk and does W repuxwK d9 of tlw ntran;as of p g' IndwiWB accamc 8640 CHH 1 7 17 160217 PAGE 3 0{ E 5160 1000 G3s2 01098640 SHOW YOUR PASS GET ALL THIS. AE All-Access Pass" Rewards and Benefits... • AEREWARD$'" -- Earn Points towards Rewards for purchases at At, aerie and 77kids • Receive up to 3 Rewards every 3 months • 15% Birthday Coupon sent via email • Free aerie bras - buy 4 bras, get the 5th free • Member-only sales and events USE YOUR CARD AND GET EVEN MORE... AE" Credit Card and AE" Visa" Card... • Earn 4% in Extra Savings for purchases at AE, aerie, Mills, ae.cem", aerie.com and 77kids com • Earn 1% in Extra Savings for purchases everywhere outside AE, aerie, 771tids, ae.com, aerte.com and 77kids.com (Visa only) • 1 card, your AEREWARD$ number is on the back of your AE Credit Card AE- Visa Card ae.-,n MARYE ROTH Mobile Servia: ae.mycreditcard.mobi Accomt Number '1818 Customer Service: 1-866-913-6765 -Payments $134.00 Total Minimum Payment Due $16100 +Fees Charged $39.99 Pay went Due Dale 0411212010 +Fin.- Charges $84.01 Late Pay mean Warning: If we do not receive you minimum New Belonce $3 710 02 payment by the date listed above, you may have to pay a , . late fee up to 539.99 and your APRs may be increased up to a Penalty APR of 29.24%. Credit Limit $4,00).00 Available Credit $289.00 Minimum Payment Warning: If you make only the minimum Cash Limit $800 00 payment each perlod,you will pay mom; in interest anri it will . take you longer to pay off your balance. For example: Available Cash $289.00 Statement Closing Date 03/17/2DI0 Days in Billing Cycle 28 Only the Minimum 21 $11,504.00 payment years If you would like information abed credit counseling services, call 1-877-302-8775. Beginning balance 0.08 ram 4% Extra SwNgs for purchases EsIra SaVirW earned w 8h us 0.00 in our saxes and orble. Extra SavirW earned outside 0.00 Earn 1% Rtra Savitps for purchases 8ktra SavkW Certificates sent 0.00 everywhere else. Every time, you Now balance 0,09 reach 10 Extra Savirtps you w e racebe aCNNleale for $10 off your next purchase. 0 2.5 5.0 7.5 70 - PAYMENT m BY P (EPA ON 199 D ATE. NOTICE: We icy convert your pay men iato an electronic tbbit. See reverse lot details Billing Rights and other importent information 8640 CHH 1 7 17 100317 PAGE 1 of 2 5160 1000 G352 01RE8640 Delacb and mail this portion with your deck smaAe to AEOGEIvrB, Do not i"clssdeaay corresspotndoeos.witpyotr! -. , AMERICAN Awotmt Nuob•r ,878 EA7G?L?E? i ER9 si6200 6U12MIO 5371002 O V 1 F i 1rt tas Maser ., __ .. , PSySr?stEtra9se-4. _ _ vvecut[ydo"notacaePE'"'?-1r,"°' PIB5i6bTudo?KlaCYtnF, r?.?; ?•?... 'r, - payments in c r stores. Pay on-Hue Newaddress or email? Print Changes on back. at ae.com MARY E ROTE FADIMFFrDT=AAFDTAFDDDAFTDAAFDAFADTDDFTTTFAATAFDATAFrADATFFATFTDA 5071 BASSLAICE DR APT 2012 AEOrLFMB HARRISBURGPA 171115918 PO BOX 960013 FFDTADDDTADTTFATTFATDTTFFFFD7TTATFDTDFAFTFDDADFFAWj" ffj%AgM 13 1 81803 :irrtawaServherQwfasns: Foraccrrng tdwmeim, PkasaCaEEEfra? lees ntwnberoneie hurt dbisat?ediam..lalela yosanmr?? wed m Ihi Statement, youraccessto nfomnatrmdn tteacccudmaybe Nrtlled You inayataosnaicphestioate(bd rah payments) b: P.O. Bmt /Ef06t, it Pasq,T. 709P610 4:PteaseincRrdayouraccountmunbsrona%cormpcendencayousendtour. Payments: send payments In the address eslad m the mrdt podiur nt the stalerthad a pall odne. EoNee:Seabelow fo( your Bi tgRiOAsandolh hoolatIntonation.Teiaptoncpabott.t rq?ronsr®Rnalpresmveyrarrestsu lerle9erdlieu roptesarveYOUrriyyla,plwsswrdtiocurBWn8lnquideaAdrtees,P.0.8mc981401 EIPasoTat 798581401 r•umases, returns, am payments maaepmt ono to W q We may not appear onM neat m,oderb statement. We 4omw the nyt to ohm payment eM=nk*VarrfCtmdoroltwM3 umMthat you send tour byaWmG'g an ACH(aledmtk)4eW ntheammatafyotrdwdor nstrmlentioyour amnl Your clad[ oro'siru'Dent mat Al W returned bycu by us or you hank Vow W t account may be debited a9 early as ihesasedaywe raeelve ymapaymers You fay dma, not to have. your payment coRaebdowmOrica icy seadtae yarc twkh be eH dUK b ur owntavslops-notthemebwdwhielmenvelops. addressod b:k0.Ban5360sk1.Allar?tOA>aedaotNePym Mikes VANtoDo0Yoa7lk*1bufWAtfkkbOnYawSUgmentNpouBmnatrreeis anerror on your slaemerd,wdetousat:GE Bant.M Brat 9814D1, El Paay, TX MWO.1404 a yew mmaayy elm coned us on Ins Web A xwwee corn. M your teams give us the tdtacin8 n ?' . Your name and actcwlnumber.TheddlauamaxEdlhesrdpededaver•1)"lonoflapmbitle4pdrttadrthemisaserm yyoaurbill,descOA what you belieuaiswrongaid whjyou believe d is a midaka. You mud owdoclww8hn83day; adathe arrvapneerxlonYOU Srafa ant. youmat satin, rrrepot yY?mras-Nhquerd on seal amcurd . n that amount. BuL N wedeaernine fhai via'Dodo amount.. Whileyau4ona hai'sb pay ih0amaiml iadanatYOUCredRW ihb aldf ant tln iowutg ra si betrue: s, anspumtaxpcemullhaebeen tdtd ycu,u l wetrwn lheCrlmpalry U!N s rash adrxica tam an ATM wwlh a cM N al of low vilwLs above are mat and yc 891481, El Paso, tX 7MB-1401 (eww.e delinquent. tMoreaaNon AAerAPgYnmta: Youmypayaaw Wan We 1 wW be aeNV,d as el ttwrendtray. Crete tOyvuAuoura may b made In US. donarsdmirlona U.S. &a ndminAutier located tot it }ntr doao pro rid rogafrsd to arv?Ugatsatypdenaai wrors andyou moe 2heerhanerrgS lmeFgaretua: • caatd trybcrlk[Qtha to question mejranM 011}aurStal8t ni, and werihayca*M to charge art WA not Iraaab p%l ie amount in quegeort or any WBOW orodiar fees a Y? areraepolsi;M ire fema6adaof ynr,rtAkalCa. • Wecan aPaY any gmaC ?aytarve7nerr?l rrdb pey86a faH?Ialn?arg angtnl dUe dl (reap mkt h m t "n mach et your h" start nr wft lM mfaSof pr 30 #M osarvm):2)Youmust hovau9eYd c CWbrl prrdeaae = credit card aowuntdordclualitfr,3)YoemuetndyethasetuRy wdh the pumhaae, contact ua in wtili (a awronkaa/) aC 2 lewirtY Oft,,theaaeerutsap*tobl.'dopntedanoudasdiscussl ktt,1weft*youoweanammo andYOU00T tpwywemayrepotyouas Be Pa,+dantatitm#e e, Payments received ater500 PM rET) on ww dap Brier payrnerg "Mom am tendered withothercondAbnsorientations Cpis (a?maMdt,rantbea?edordeYVeredaausadAOBcxSBlIDt:EIPaso{ky8 [101. Cndibto YanAcc un:AmmnouNprxedWbyamtun(•jssgnr Mavaed ?tryY Cff"sawdaot &t bawrce tadessomerriae it cffied. Credos WNibeVoted toym pwbA batarce, ensteded upm racerpl.butowiRnotsatisyany WOW p+ym>sr IW maybe We T Monitarfrtg- To &ssure that you race4e aCCUra89 ardccurfeeus Ck Wnw service. ymw tnteyagne ;pas with ur maybe mondored by our em aYBea(N egg aardynuegntebUrian OnAOYxYj CsodffRapotkmalACCOastdermagoo. ttymWilmo emtlw•mayhavareportednceumtenlarma8mabouyaibaomuseannaporru>gspsMY, ple wnW us mIP0.. &x4814r70, FJ lase. TX 7=8-14ML b dokg So, pkme idantiyda kaeawate s fu.*Oi on XW teluewry You beEeva i is inrAnacl. l ytwttaMe a(opy al macredl4eparl tat ndudaethe kaatinale nbtmxietn, ptasenasdea copy d8asreµnA. Nb raj nspm nkxmelm aboutyhpurw"Aloewlt"ous. Less pajrian?s.rnasadpaymants, adherdelm*anyouraucoutmayberetededa youraedarepan, ltWrmatienA9adi3eatceCirapysd: thebalance srbJactloopedoacFkanceCharBascaficuLdedsepaaayI&Purchases; ardCashAnrarces. You CanciaculatatheFRtaue Chartlaty (t} tnUlipylg aacbof the thatooadaljbaLance; Jos Pulchow and CWAdvarrces Whenwriterof days in itwbbng petriCd; (2}rastip'yang eaelhofihereadtablr0wepplwWetfalypargdic rnte; and (3}adding Iheaeprcducts aogetber A. PTnctrasa6. The Rrchaae Bebnra=stlbjaq ba prmGlic Finarde Cnetge is the Ptahase DeljBalanmef IMAttdad. FmWera, Purt?ses are not ncluaedmttraPurcnass8alinbasubpabpaba Fireespec"W11or2hlleQpazhdRtlare6sropavouabaknaaonynuACCaurtialthabagruirg mihehEfntgpeio4rckdegay ard5pacalPrdmoHonbaWka(PrittaxBalance},exUrosumofyour peymentsandcra tspmdedto yar h??tlCl by rho Fdrpa@d Oea GatO a ? epee! elyral to ale PtWigra 6?laI1W i6 detaraNna try PbrchaN 87?tga 9riq'9d b i pede6t Fnaatle Charye,we taNeanepdo dajS tsrxlhase 8alencemyourAeemd,vdtehkhzadesay ugeidperbntc FLrauee Ciia+geonyrar Punches Baiarxz, arW add any new Purchases and ctbw dedFs charged to yaw Account ihd day, and subttred try paywants and dbm credits applied to )us Purchase Bodanos that day Eatfi day we Nso add amp im"Zor a l?pr0as on your PWchM goteuce and oft Felance Gtmges 94 bee (other than Transaction Feed for Caah advauiaea}. ant dtbt canna #alla?rr less assessed that * on yore Amount This gives try the RsChaas Daily r?nro`dkaACOarra.ArlayPLEeatdaty otss$iraazemwebelfb odasziam IT therts noPrenoua 9alan? fa9ie phi a0leatm d yorrpaPtrrttna ardtzedrb pasted to yore AcCOtllH Btu Pavaert Olathk a at least try ounencem -imam mace mincer any apace r•romtawn: ammo aw or yo irprymaasand Mfr posted to younccwrsd 4 the PaCO.= Wale not at leved "It, #0 Previous Balance, new purchases and olha mated etar(yeswNboo to accruea Parana Gunge Fan thudais of theim-dimortheamtdayd gab" periaYtnwtdchtheluensa6m seposredbyarACaorit. B. OnftAAVeaoW. The Cash AdaW Balance Olutod to apenodic Firei phone is 11he CWA*Snm Daily Bafanno4 the Accnrm. Todelvrrrme the CAah Adaarvx 8ataresriW at a perar3c F aante Cfranga, estate the prize dais Casa Admire &low ® of your Account, witch RxAxyes any urgaaid perVoftHnomeOur" on yctrCash Advance Baia ct, will add aey rm Cash Advances. Transaction Fees forCmh Advances. a d parodic ,,. .. FieanseChargatohWxCaehAdvarca8aiaroakctlntdo*andsebw andalaaoadfsapplediayeuCaw AManaeAalenoatM day Ttfsgiwsasthe'CashAdarmOWyBaladca"of#*Armunt. AnjCaeisDalyBaienoeotiess0ammrowB aeteeRedasaaa Cash Advances, TronsadionFeatbrCashAdvancesandouter ones wllaxruespedixtFinishes Cira9eicrosat'aerdlBtatmnsadiar door orftWdsgoTRabeagpestodnwha:htheCoOAtiracebpoetadtoymAccatrt-Thmismpetgdn y-mcw.midpeno*Fnaaa t3Wrg0t on CashAftwoet o TraraOciiarFees ter Cash Advances. Dalslotitaliq M411W n you lla baMtNpky you meld $aW Us noirR, m ludini; account nAn1w and al in4amalion related to the irmoaedioq 10 the t+"t8. )Pat4t6Akic tt(+tf!rXD1!PQBa!4?0!??!ftconollGA 6,.-. ,,..._. YaarstxaaKkowaWapAatirvJCMbyCEYorayBml.Fore mpklel•rmsarulcoMAiomW .... _...... -,_ ... ...... Nsarargkrpahad.:TMismcalt?P}N4-1732. Y?ra'? :car,suEyrnnCredyCardAgcesmaM. G19699/D - 5- 00DY101D Gee oP' :aid 4ie an'iAr t? r t#"v"agr taasdsi"aia`co?tocini'a3 arwdddva of ateda0 aiii u yai a i your' AccoullL It M Oarm Etta another copy of me Prrvaey Policy please, cal us at ins custofw service telephone number ahdcated on the neon of this swernent. TOM a an aftraid to coaecl a deft and any ntormation r>ffanei will be used lor prat purpose. 0lrprvdtlinyaiekpthotaentaNnaanrtyo=ut, conamiltoGEMangyBataand tryPinnerawnarasaMCardmyaoalardceaadagmeaboulmy account, including using any email No mnaaron or cel phone mambas I provide, std I conson to the use of my automatic tote" dialing system andraanart ilorprerecordedvoicewhencontactingme,ewniftamcharpalforthetallundertryphoneplan.. Tor : f+t?aM-FriAA6Br•mNt:l+kas6ih2?tM itt?Pt?` :,: , . ., , Name Street Address CRY Stale Zip Prime a E-mail Home Pone N Business Phone 1 Cent N or other phwa N we Enrol Address Cart LOCO b WNW YOU BY PROVIDING YOUR EMAIL ADDRESS, YOU AGREE TO RECEIVE EMAIL CC MILHOCATICW ABOUT YOUR ACCOUNT AND ALSO GIVE PERMISSION FOR US TO PROVIDE YOOUR EMAIL ADDRESS TO AMERICAN EAU E IX)TF R TERS, AMERICAN EAGLE OMPMER9 MANAGE YOUR ACCOUNT ONLINE ITS FASTER, EASIER, GREENER AND FREE PAY YOUR BILL QUICKLY AND SECURELY GET ELECTRONIC STATEMENTS SIGN UP FOR ALERTS CHECK YOUR CARO ACTIVITY ANYTIME VISIT WWW.AE.COM AND CLICK ON AEC CREDIT CARDS TO MMASE YOUR ACCOUNT. Ckhar Transactions Tram Date Post Date Reference Number Dewriirtiou of Transaction or Credit Amount 03/12 03112 LATEFEE 39.99 Average D84 Corresponding FINANCE CHARGE Expiration Daily Periodic ANNUAL Due To Daily Transaction Dale Balance Rate PERC€NTACE Periodic Fees RATE Rare Cash Advance NIA 50.00 0.08011% 29.24% $0.00 $0.00 TOTAL FI NANCE CHARCF: 584.01 ANNUAL PERCENTACE RATE for purchases is 29.24% ANNUAL PERCENTACE RATE for cash advances is 29.24%. THE PERIODIC RATE SHOWN ON THIS STATEMENT MAY VARY. Please Note. Enclosed is the Privacy Policy for this accaont. Please tale a moment to read it, then (seep it with other financial documents, If you have previously opted-out, you do not aced to do so again 6640 cHH 1 7 17 100317 i'AGE 2 of 2 5160 1000 0352 OIBB8640 AMERICAN EAGLE 4UTFPPCERS SIGN UP FOR ACCOUNT ALERTS IV YOU CAN SET UP ALERTS FOR: • BALANCE UPDATES • PAYMENT REMINDERS • ADDRESS CHANCE NOTIFICATIONS AND MORE! AE.COIA AND CLICK ON AEO CREDIT CARDS. ae.com AE Asa Card MARY E ROTH Mobile &-I ae.mycreditcardmobi A N b ]818 cc 1 um er Oistomer Service: 1-866-913-6765 - Prerpm Balms $3,710.02 New Balance $3,978.10 -Payments SI00.00 Minimum Payment This Period $175.00 + PwhaseslDehits 527158 Anaowt Past D. 562.00 + Fees Charged $39.99 Total Minimum Payment Due $237.00 + Finance Charges $94.51 Payment Due Date 05/1212010 Late Pay meat Warning: If we do not receive your minimum New Balance $3,978.10 payment by the date listed above, you may have to pay a Isla, fee up to $19.99 and your APRs may be increased up to Credit Limit $4,0W.00 a penalty APR of 29.24%. Available Oredit $21.00 Minimum Minimum Payment Warning: If you nuke Duly the minimum Limit Cash Chsh Limit 58W. payment each period, you will pay rnose in interest and it will Cash 521.00 Ike you longer lopay eff you balance For example: Statement Closing Date 04/1712DIO Days in Billing Cycle 31 Only the minimum 21 $12,232.00 payment years If you would like information about credit counseling servlees, call 1-977-302-977-S. 89*r*V balance 0.09 Earn 4% Extra SM Atga for ptachasos Enra SavkW gamed w Ah us 0.00 in our sores and on61a. &ita SavirW earnad oulai de 2.33 Earn 1% Extra Savings for purchases &Ira Savirgs Certificates sent 0.00 averyw here sake. Eery fi ma you Nsw balance 2.42 reach 10 Extra SavirW you w it recadve a cartlic ate for $10 oft your stand Well- 0 . 2.5 5.0 7.5 10 PAYMENT DUE BY 5 P.M. (ET) ON THE DUE DATE F.. NOTICE; We may cmven your payment Into an electrode debit. See reverse for details Billing Rights said other important .. . information 8640 -H 7 17 100416 0 PAGE 1 of 2 5160 1000 G352 OIBB8640 .:,:.??..toptadtatdm a dt his,portioowith yourtheckmadato,AWGEMS.Dosotincludeasyanurea(smdetrauyilpyauRClaeds.,- ?. .. - . . m ' T siMERICt11`I Avant Nurabar. 818 EAGLE ?r 0 V 1 E I 1 ERS' 5237.W $62.00 05/1712910 $3678.10 SWAE°a1P >3 UIJ Pke tiu r l t' k . `? m:' • Weaatsenlly do awtaczept . > wd ory i kia ; _ a,._.. .. _.. - paymats in err scores. Pay on-9ne Newaddress or email? Print Oranges on back. at m.com MARY E ROTH TAFfDDDTAAADFFTDAATADDDTFDADTTDFAFFATFDAADDDAFTDTTDATFFFADFDFFDFD 5071 BASSLAKE DR APT 2012 HARRISBURGPA 17111-5918 AEOAiEMB PO BOX 960013 TDFAATTTDADA F TTFF DFDATDA DDA DFD AAFTTAADA TAAA TFTF&1!5gW lpt?a'3 1 81803 art(onarbersieaf4rwftores:FOrauxnainformalon,plaesecafltheolllinenmberontheIWof isal med..Unfess masreI listed on 01h taternent youraccessto rdarmatiat an areaccourimy bekmled. You" akomaagsdlirans OxA red paymenrit b' Ill Box AA1e61, 0 Paeo.T) M6.1864 PtwteOA* yaw accouni numberon enytoaetpandemayou sand to us. raymmA: Send psymaats to to address esrad an ere rank portion of Ins statement a pay aMms- yoNC?:soebeawlayourBtkngRgtasandeBrertapalarnttdorrtladkx.T aboutb grrorssNtnclpresenaryour r4hts wxW faderal In apesarvaycurri?hU pawawrMetoourBiAUgaWlmiesAddresa PflBdt Elpaaa T7( 79?8.1?01 pear" nest monWs ao ACHiebcuaracldr anti nt Yams chest orifturned wit r a bereturned byau D/ to or your WK PS myovem. youauy dow" rot b have your paymaM crowded aNcla ownawNope-rat ltrearcbaodrrladowsnFrbpe.addrassadro: seal. on What to DoNVice Thk*Y9#fWAMbalre0aYewSieftw off taM Bar 987401, EI Paso. TX 7988&4401 a you may m contact us po the ftb name aMl acecnM maaber • Theddlarana M d thestul»cted error . Dese what mr bdiwa 8 wraasnd ow had believe I it a midake. Ybu mud contact t, and we may ordinate to charge sacs or any interest or other Wa yourl • U9 can apply any urgraid tbr?qhl 0 of the blowing mug betrue: 1 a, amT aheplwdh?e pdw tueeheen w pert to you, of N rreawn thetOM" 81a1 ad emit aNances tam an ATM orwt" Chef A as of the aaerla above am f11e1 am you 981461 <EI Paso, TX 79868-1401 twwAae. brig be aar9lad as of Inersad da madam US. dotrsdmnwhona 'Welausal.GEfAoo?//Bank,PO. us the blookV lototmas 8 . Yaw beta faalataOn YOta bat, g85ctSe made in your thane state or wknin tttf eaasof your halt am necessaryil your puntasewas based M an You must have Uaedy ourcredtoadarew purchase acaowk do not quark 3) You moat not yet haw NNY n:hlse, comact M in codling for dedrantcapy) at: OE tame rube apply tot he dispdedamounl as declaeed oanamount and you do not paywe mayr$W you as a)okleathetk-orcareapondenoeof&q pa Atwr 000rosrteatiahstorebarnwgdisputed amdiMS.inepum86Wcha kd dwPayme Muntentrw(pwcatesthat thepeymantoaat "see MentatfurofIslenderadasWISadsfadlonofa d6poW amount; of(ayis tendered with oft owdioneorlntiallrDltpMPayments!).castbeasalledordeltwedausalPO.Bonfi81401,ElFaao,TX'?OQW1401. Cradfbtu*wACCawA:AnwnaNpecaiedfyammwi•)sgnmbhowed CR'ara rredlarxedl balance udassolberwee ind lad. Credits wNbeagpledtoyau prarioux bawauslmmadraaytgcnrecep?t.UutwBnasal?aryregr 'red paymemMat rrr?aadue Tab" Maoitarhp: To emtw that year recene accurate and courteous ctdoaer service. your Wisp hone calls aldh us aW he mo nibred by our ern pagertsardyotseg+eeblNahr?vlaohlrLq CfedkffbpwbsndAetoawtlat ntsel a: nydshetavs>hatwama/Iwwroportadksacaaateimarmatona0autyoutoaconaanarrepontsgegsr?y. pl"aaetatact us at P0. Bar 901400, El Pena TX 78888-'t401). In doing sit pYWae kbMlhtlsea atareM tllamatun and net usrr y you befine t is inrbrred. N ywhare ant?yy of Bhs rxedrepal that k libriesthe ircocumis lnionnsien, passe Includes capg dthatmW YAs mayrepbn trbnrngOao abouyau axotmdbcmdttwreare. Late pa)nlwnte.m*Wpayraehhts,adherdebtlkkbnyarracequMmayberetudedt+youraetBrew hAarwuaElatAhoWHanrx txrer6w: The babncesubjatttoa pabdc PinaruChatpe scalc'daledsapara" far Puctmes and cash Ailrances. YouuncActoethef wnteChargel(f)autpytigeachofthe aasraoedi ytOAMforPuatheA6WOGmbAdtantaeb/yhenw?erddaysin ihebtltthg paiod;l2}multipyarg aaeitof lhareaWsbltr?,Dkabiedtdi/psriate'rate: ?d(31afsgtfiasceprtducta tygathss A.PasalaosrxTirePurchase BalarcesbtcdteapentdcFnvftCrop sthePurchase DdAjSelanoett dheAaamt.l HOWNW, purchases am not d iho bkfmg pwiod.ackddrng arty prtxruawhal your AOCbart ty the Fmymart Duo Date s at Charyewetalcelhembr days Poole Bell add any new Pvcheaes and other debits ON Balance that dal Each day we also add any Troop Fees for Caah adrancte), least Bsance`d AreAecmnl. AhryFVUheaeOeay if thereis noPmria st BaWra lorthittirlaa at to ywr Atmunt hart day, and suited a & Fwnoa fXrroes an Y. Pt O. E any *0 carroelW?n late assessed that hrreor leas thawaaro cote t»treatedas taro. i thee Purchase S&WO ObDjaFi 10 a prtt6a FwsW W 'bdc ftlahw CtmnJeonyw Pumbese Belasme, and ueahd dear Cnagad (drer "M on yore Account. This gMae us to 'Purchase, Daily dtcyowAcmtHtbV8"Paymentare0 desa1 east xy tralarue W 4 5risnrc made urrfer am/ Spacaat PriamdNbn: of lttn mra d yarrpaymanttam aetlle poat40 to yaw ACt9had by the Paysm DA dales nr# at aaelarptafb 1hm Provide B>dahee, rrew Pratlheaea ami finer rdaadetharpaswttbegatb accrues Famrtce Charge from the lalerofthe died IhaLarwatimorfhe 4mldayd ass taTlkq panadkrwddchehelrar?n sspasMdfayarAcooud. 8. CafaAdwnaa. The Cash Advxw Bahama Ftttl}ad loaparodic Fuhanca r':lmrpa iFthe CasrsAdvarcetktty0afanrx+ot are Accoca. Todetermi re 0he Carr AWarNb Bsare3t etl b a pmdoaic f trawe Gilrrga, aetake the prix tlejrs Carr AOvaxs 8alatae d yap Aeepml, mitt includes ay unpetow" r.,eCharyason yarCartrAdfmceBMarreaentailonly tmw Call Adtancas. Trs®acAbnFae forCan AdAwces,and pmiodc ....__-.a Fa3aranystarGeFaAAronoaEFtarweFarllwaAwandsib6adaay9aAaealC ?111atanee8ut day TNsl;aaasuatne'CaFtrAdtarreet?ty8ahmta"oltheAUrnrA. AryCasnAdraltaDayt3alerceolbsaBtalmmtwtaeheaMaaaaero CassAOtanoes,7rorwaclpnFaekixCashAdaaxesendfitatheadedchargeswwaouueao FkrercaCAa?eibminslavdtheWsarfion dada rrtihefasl dayorBreNlig paiod'n wlhidu the Caen Advaacais pwadbyaa Account- Yhare'smpwaKi hrAxchyhw canavoid periodic Fnreace thergasonCashAdvanr?e arTraneacaonFeatforCash Advarow 80edarpky Nl n you Ole tanktupU.y you awd send ko o0a, iwJudng acaosrd nucrdser ad all m6malion reWed to the pmceatrsp to the bbs'yt8 ..:CGEMprh%'.@Md4A .XlDaRl-_P.QL.Dgt10 109..Rawwa.GA _,.. -..... YawaerowItosaedandsw*edbyGEMoneyflanit Forcompa6etermsacdcondantn otyou account. consul your Credl CardABrea sal. Hmft lwpahat Tf ID users tall, 14M"U-1732. 010 - 5- UT/Q01X010 t78g of 10110i6s7oui 7{Dout Fos irdd Ylwr ACCCtfda: 04 ' Pitpry deaa4F our a>dagigp'?ld dMClceli/e of irikii at+nSn t6iitA jooai+l your M•cdlM. n you wrnad ate WWW COW Of the ftKY Fbk7 prsaae Cat u5 at the CuslOrrler Wr#w leheptone nGmbeF roftted rte the OW of this statement. Ttse s an atemq to cdkrl a debt end my inUrodion att&mb wit be used brset pupose. By picriid'ug a tale" number an hays amount, I consent to GE nahwy Bank and any (*w crew or starker of my atow d taMading me Abw Ry axmint, nhthidrlg twV any contact intdnmatiat or of phone mrmben I proMe. and I comwNg to the tae of my aumnatic telephone dsnnq system androran addil lor prerecorded role when cordaottvg rre;even N 1 am char* forthe call wider any phone pan. Far dragea of sat lrFls. pMroraitberMdGUf a mlM fkaeedtat"ba antl path ft cur ye b" Name Street Address Cky.. State Zip Phone B E-mad Home Pont F Business Prune A Cat A or other phone A We Emal Address cite use to Owed you BY PROVIDING YOUR EMAIL AUORESS• YOU AGREE TO RECEIVE EMAIL 00MMUNICAT10NAROUT YOLK ACCOUNT AND Ai80 GIVE PERUMSION FOR US TO PROVIDE YOtt2 EMAIL ADDRESS TO AMERICAN EAGLE OUTF ET TERS. AMERICAN EAGLE OUTFITTERS 9NY SSaoa' Other Tmactians 04M 04M 04106 244550JFCi43AQALDA WAL'MART #1597 HARWWURG PA 133.30 04/12 04/12 IATEFEE 79.99 Average Dally Corresponding FINANCE CHARGE EEpiraGon Deay Periodic ANNUAL Due To Daily Tramaction Date Balance Rate PERCENTAGE Periodic Fees RATE Rate Cash Advance N/A $0.00 0.08013% 29.24% $0.00 $0.00 TOTAL FI NANCE CHARGE: 594.51 ANNUAL PERCENTAGE RATE for purchases is 29.24% ANNUAL PERCENTAGE RATE for cash advances is 29.24%. THE PERIODIC RATE SHOWN ON THISSFATEMENT MAY VARY. YOUR ACCOUNT HAS 2 PAYMENTSDUE. PLEASE MAIL THE TOTAL MINIMUM PAYMENTDUE. PLEASE DISREGARD THIS MESSAGE. IF THE TOTAL MINIMUM PAYMENT DUE HASALREADY BEEN MAILED. 8640 CHH 1 7 17 100416 DPAGE 2 0£ 2 5160 1000 6352 OIRS8640 AMERICAN &WLE OUTFrrrERS7 MARK YOUR CALENDAR IV EXCLUSIVE AE CREDIT CARDHOLDER EVENT JUNE 4-6 aerie roc TIERS ww : Zoo' r Card MA YE ROTH 1818 Mobile Service. ae.mycneditcard.roobi JhiE• ?/l$8 Number - Osstaner Service: l-866-913-6165 Previous Balance $3,978.10 New Balance $4,089.93 -Payments $25.00 Minimum Payment This Period S17WO Fees Charged $39.99 Amouit Pau Due $21200 r FinanceCharges $%.9() Total Minimum Payment Due $390.00 Payment Due Dade 06/12/2070 New Balance S4,U89'99 Late Pay meat Warning: If ve do scot receive your minimum [}edit limit 34 OW _O() Payment by the date listed above, you may have to pay a late fee up to $39.99 and your APRs may be increased up to Available Credit OYFdtLIMiT a Penalty APR of 29.24%. Cash limit S9DO'OO Available Cash Minimum Pay ineut Warning: If you make only the minimum OVERLIMIT payrneuteach period,you will pay moue in interest and it will Ratement Closing Date 05/17/2DI0 take you longer topay off your balance. For example: Days in Billingcycle 30 Only the Minirman 21 S12,250.00 Payment years If you would like information about credt counseling services. can 1-877-302-8175. Beginning balance 2.42 Earn 4% Extra Savings for pmehases Extra Saviuga earnedw s1h us 0.00 in our stores and online. Extra Savngs earned outside 0.00 Earn 1% Extra Savirw for p=hases Extra Savings Certificates sent 0100 everywhere else. Brery trre you Ww balance 2.42 reach 10 Extra Savings you w R receive a Certificate for $10 off your next U 15 S.U 7.5 IU PAYMENT DUE BY 5 P.M. (En ON THE DIM DATE 1,10"C1ts We Way arnert YOU pay Inert 11110 an elect(adc rldxL See reverse fordetaBS I ilttlg Rights and other impmtaat .. . 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HAMNGTROUBLE PAYING YOURACC'OUNT7 OURFINANCIAL ASSISTANCE PROGRAMS MAY MEET YOUR NEEDS CALLUS AT THE NUMBER LISPED ON THIS STATEMENT. 8643 CHH 1 7 17 100517 XPAGE 2 of 2 5160 1000 C362 01Pa8670 Carrie A.Brown,Esquire PA Bar#:94055 OF -tiLEO-OFFICE Robert N.Po las,Jr,Esquire PA Bar#:201259 O�- THE PROTHONO7AR'i Portfolio Recovery Associates,LLC 120 Corporate Blvd. 2013 JUN 13 AM II: 46 Norfolk,VA 23502 TELE: 1-866-428-4102 CUMBERLAND COUNTY FAX:757-518-0860 PENNSYLVANIA Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION—LAW PORTFOLIO RECOVERY ASSOCIATES,LLC : Plaintiff No. 12-4098 v. MARY ROTH Defendant PORTFOLIO RECOVERY ASSOCIATES, LLC'S ANSWERS AND RESPONSES TO DEFENDANT'S FIRST REQUEST FOR ANSWERS TO INTERROGATORIES AND PRODUCTION OF DOCUMENTS For its Answers and Responses to Defendants' First Requests for Production of Documents, Interrogatories, and Requests for Admissions, Portfolio Recovery Associates, LLC ("Portfolio") states as follows: GENERAL OBJECTIONS 1. Portfolio objects to the Interrogatories and Requests to the extent that they are vague, ambiguous, overly broad or unduly burdensome. 2. Portfolio objects to the Interrogatories and Requests to the extent that they seek information not reasonably calculated to lead to the discovery of admissible evidence. 3. Portfolio objects to the Interrogatories and Requests to the extent that they purport to give meaning or legal significance to a document, fact or purported fact, the meaning or significance of which is the subject of dispute between the parties. 4. Portfolio objects to the Interrogatories and Requests to the extent that they seek information protected from disclosure by the attorney-client privilege, the work-product doctrine, or any other privilege or protection. Any inadvertent disclosure of such information shall not be deemed a waiver of any such privilege or protection. 5. Portfolio objects to the Interrogatories and Requests to the extent that they seek confidential and proprietary information or documents from Portfolio without an adequate protective order in place to protect Portfolio. 6. When responding to the Interrogatories and Requests, Portfolio made a diligent search and reasonable inquiry. Portfolio did not, however, search every file in its possession or speak to every person in its employ. Portfolio expressly reserves the right to supplement or correct its responses. 7. Portfolio objects to each Instruction and Definition that seeks to impose obligations beyond those imposed by the Civil Rules or any applicable Rules or Orders of this Court. Portfolio will not comply with any attempt to impose any obligations not compelled by the foregoing provisions. PRODUCTION OF DOCUMENTS 1. Portfolio objects to Request No. 1 as vague, ambiguous, overly broad, and unduly burdensome because it is not limited by time period or subject matter. Portfolio provides the attached Terms and Conditions, Account Statements, Bill of Sale, Affidavit of Sale and Load Data collectively marked as Exhibit A. As discovery is ongoing, Portfolio reserves the right to produce additional documents if and when they become available. 2. Portfolio objects to Request No. 2 to the extent it does not define "Charge Slips." Notwithstanding that objection, Portfolio does not have a signed copy of any contract or agreement for the Account. Where a complaint is based on the failure of a debtor to pay the balance due on a credit card account, it is proper under Rule 1019(i) for the defendant to assert in preliminary objections that the plaintiff failed to produce a cardholder agreement and statement of account. Discover Bank v. Stucka, 2011 WL 5517050, 3 (Pa.Super.) (Pa.Super.,2011)(citing Atlantic Credit and Finance, Inc. v. Giuliana, 829 A.2d 340, 345 (Pa.Super.2003)). However, such objections will not be granted if the court concludes that the allegations contained in the complaint would permit recovery if ultimately proven. Stucka, at 3. In Stucka, the Pennsylvania Superior Court concluded that the lower court had erred in requiring the Plaintiff, a company that extended credit to Defendant through a credit card, to provide a copy of a signed credit card agreement. The Superior Court concluded that based on Pa.R.C.P. 1019 and common law, the Bank, by providing a boiler plate credit card agreement had"set forth sufficient allegations to provide the Stuckas with notice of the Bank's claims." Stucka, at 4. The Court added that"the allegations contained therein, if ultimately proven, would permit recovery." Id. At 4 (citing Hess v. Fox Rothschild, LLP, 925 A.2d 798, 805-06 (Pa.Super.2007) (stating that, in ruling on preliminary objections, the court must determine whether the allegations of the complaint would permit recovery if ultimately proven)). Further, a court may look to the conduct of the parties to ascertain acceptance of an agreement when assessing its validity, and need not require a signature to establish its enforceability unless such signing is expressly required by law or intent of the parties. See Hartman v. Baker, 722 A.2d 347 (Pa.Super.2000); See also Accu-Weather,Inc. v. Thomas Broadcasting, 627 A.2d 75, 78 (Pa.Super.1993). Further, when an individual is issued a credit card account, said individual is sent a copy of a cardholder agreement and/or term and conditions along with said credit card. In order to become bound by said credit card agreement, the individually need not physically sign said agreement,but instead, such as in the present matter, the individual can become bound to the terms of said credit card agreement by virtue of their maintenance and use of that agreement. 3. Please see Plaintiff's response to Defendant's discovery request#1. 4. Please see Plaintiff's response to Defendant's discovery request#2. 5. Plaintiff objects to this Interrogatory in that it is an inappropriate Interrogatory. Further see Plaintiff's Response to Request for Production of Documents answer#1. Portfolio objects to Interrogatory No. 5 to the extent it seeks identification of documents subject to the attorney-client and work product privileges. Portfolio further objects to Interrogatory No. 5 to the extent it requests confidential and/or proprietary information, or identification of documents subject to trade secret protection. Without waiving these objections, and subject thereto, Portfolio hereby produces the Terms and Conditions, statement of account, bill of sale, load data and affidavit of sale. Portfolio will not produce the requested information absent a stipulated protective order. Portfolio reserves the right to provide additional information regarding Interrogatory No. 5 as it becomes available. 5. Portfolio objects to Request No. 5 because it is overly broad, unduly burdensome, and requests confidential and proprietary information and/or information of third parties. Further see answer#3. Portfolio will not produce the requested information absent a stipulated protective order. 6. Plaintiff objects to the Interrogatory in that it is vague, ambiguous and overly broad. Plaintiff further objects to this Interrogatory because it would cause unreasonable annoyance, oppression, burden and expense and seeks information not relevant to this suit. Please see all exhibit's collectively marked as Plaintiff exhibit A. As discovery is ongoing, Portfolio reserves the right to produce additional documents if and when they become available. 7. Plaintiff objects to the Interrogatory in that it is vague, ambiguous and overly broad. Plaintiff further objects to this Interrogatory because it would cause unreasonable annoyance, oppression, burden and expense and seeks information not relevant to this suit. Please see all exhibit's collectively marked as Plaintiff exhibit A. As discovery is ongoing, Portfolio reserves the right to produce additional documents if and when they become available. 8 Please see Plaintiff's response to Defendant's discovery request #2. Plaintiff objects to the Interrogatory in that it is vague, ambiguous and overly broad. Plaintiff further objects to this Interrogatory because it would cause unreasonable annoyance, oppression, burden and expense and seeks information not relevant to this suit. Please see all exhibit's collectively marked as Plaintiff exhibit A. As discovery is ongoing, Portfolio reserves the right to produce additional documents if and when they become available. 9. Plaintiff objects to the Interrogatory in that it is vague, ambiguous and overly broad. Plaintiff further objects to this Interrogatory because it would cause unreasonable annoyance, oppression, burden and expense and seeks information not relevant to this suit. Please see all exhibit's collectively marked as Plaintiff exhibit A. As discovery is ongoing, Portfolio reserves the right to produce additional documents if and when they become available. 10. Please see Plaintiff's response to Defendant's discovery request#2. 11. Plaintiff objects to the Interrogatory in that it is vague, ambiguous and overly broad. Plaintiff further objects to this Interrogatory because it would cause unreasonable annoyance, oppression, burden and expense and seeks information not relevant to this suit. Please see all exhibit's collectively marked as Plaintiff exhibit A. As discovery is ongoing, Portfolio reserves the right to produce additional documents if and when they become available. 12. Plaintiff objects to the Interrogatory in that it is vague, ambiguous and overly broad. Plaintiff further objects to this Interrogatory because it would cause unreasonable annoyance, oppression, burden and expense and seeks information not relevant to this suit. Please see all exhibit's collectively marked as Plaintiff exhibit A. As discovery is ongoing, Portfolio reserves the right to produce additional documents if and when they become available. 13. Plaintiff objects to the Interrogatory in that it is vague, ambiguous and overly broad. Plaintiff further objects to this Interrogatory because it would cause unreasonable annoyance, oppression, burden and expense and seeks information not relevant to this suit. Please see all exhibit's collectively marked as Plaintiff exhibit A. As discovery is ongoing, Portfolio reserves the right to produce additional documents if and when they become available. INTERROGATORIES 1. Plaintiff objects to the Interrogatory in that it is vague, ambiguous and overly broad. Plaintiff further objects to this Interrogatory because it would cause unreasonable annoyance, oppression, burden and expense and seeks information not relevant to this suit. 2. Plaintiff objects to the Interrogatory in that it is vague, ambiguous and overly broad. Plaintiff further objects to this Interrogatory because it would cause unreasonable annoyance, oppression,burden and expense and seeks information not relevant to this suit. 3. Plaintiff objects to the Interrogatory in that it is vague, ambiguous and overly broad. Plaintiff further objects to this Interrogatory because it would cause unreasonable annoyance, oppression, burden and expense and seeks information not relevant to this suit. 4. Plaintiff objects to the Interrogatory in that it is vague, ambiguous and overly broad. Plaintiff further objects to this Interrogatory because it would cause unreasonable annoyance, oppression, burden and expense and seeks information not relevant to this suit. 5. Plaintiff objects to this Interrogatory in that it is an inappropriate Interrogatory. Further, Plaintiff objects to this Interrogatory as it is irrelevant and on the basis it seeks information not reasonably calculated to lead to the discovery of admissible evidence. Furthermore, Plaintiff objects to the Interrogatory in that it is vague, ambiguous and overly broad. Plaintiff further objects to this Interrogatory because it would cause unreasonable annoyance, and seeks information not relevant to this suit. 6. Plaintiff objects to this Interrogatory in that it is an inappropriate Interrogatory. Further, Plaintiff objects to this Interrogatory as it is irrelevant and on the basis it seeks information not reasonably calculated to lead to the discovery of admissible evidence. Furthermore, Plaintiff objects to the Interrogatory in that it is vague, ambiguous and overly broad. Plaintiff further objects to this Interrogatory because it would cause unreasonable annoyance, and seeks information not relevant to this suit. 7. Plaintiff objects to this Interrogatory in that it is an inappropriate Interrogatory. . Portfolio objects to Interrogatory No. 7 to the extent it seeks identification of documents subject to the attorney-client and work product privileges. Portfolio further objects to Interrogatory No. 7 to the extent it requests confidential and/or proprietary information, or identification of documents subject to trade secret protection. 8. Plaintiff objects to this Interrogatory in that it is an inappropriate Interrogatory. Further, Plaintiff objects to this Interrogatory as it is irrelevant and on the basis it seeks information not reasonably calculated to lead to the discovery of admissible evidence. Furthermore, Plaintiff objects to the Interrogatory in that it is vague, ambiguous and overly broad. Plaintiff further objects to this Interrogatory because it would cause unreasonable annoyance, and seeks information not relevant to this suit. 9. Plaintiff objects to this Interrogatory in that it is an inappropriate Interrogatory. Further, Plaintiff objects to this Interrogatory as it is irrelevant and on the basis it seeks information not reasonably calculated to lead to the discovery of admissible evidence. Furthermore, Plaintiff objects to the Interrogatory in that it is vague, ambiguous and overly broad. Plaintiff further objects to this Interrogatory because it would cause unreasonable annoyance, and seeks information not relevant to this suit. 10. Plaintiff objects to this Interrogatory in that it is an inappropriate Interrogatory. Further, Plaintiff objects to this Interrogatory as it is irrelevant and on the basis it seeks information not reasonably calculated to lead to the discovery of admissible evidence. Furthermore, Plaintiff objects to the Interrogatory in that it is vague, ambiguous and overly broad. Plaintiff further objects to this Interrogatory because it would cause unreasonable annoyance, and seeks information not relevant to this suit. Respectfully Submitted, t 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 : Plaintiff No. 12-4098 v. . • MARY ROTH . • Defendant . CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Plaintiff's Response to Discovery and Interro atories, by First Class Mail, Postage Pre- Paid, a copy thereof on this t ay of , 2013, to: Mary Roth 602 Mallard Drive, Apt F Camphill, PA 17001 i illf4 By: Carrie A. Brown, Esquire#94055 Robert N. Polas Jr., Esquire#201259 ------/ VERIFICATION The undersigned hereby states that he/she is the attorney for the Plaintiff, Portfolio Recovery Associates, LLC, who is located outside of this jurisdiction and in order to file the within document in an expedient and timely manner, 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 Response to Discovery, Request for Admissions and Interrogatories 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: By: Carrie A. Brown,Esquire#94055 Robert N.Polas Jr.,Esquire#201259 EXHIBIT A GE Money Bank BILL of SALE PRA 120-day Mid Prime—September 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 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 September 20, 2011, and as further described in the Agreement. GE Money Bank By: Title: CFO Retailer Credit Services Inc nS _ BX Title: President By: 44 (tc Title:Vice President • • ccM49 op • 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 Karl Drenth ,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 1818(the"Account")made by MARY ROTH(the"Debtor")made payable to G apita etas Bank and subsequently sold to Portfolio Recovery Associates,LLC. The amount owed on the account on 9/20/2011,$4736.52 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 20th day of August,2012• .o aNT K.. zr iirentFi _ . Sworn to and Subscribed before me this ata -day of R 1/d— ,2012 No Public AMQINEnE MARIE MITCHELL �•?;- i: Notary tnnesota My commission expires: f-rt . 13 f3- "�-1 ysConmkOke Oohs Jm lit 201S AL.; Version 1.0.1_AOS;06_06 2012-St.Paul • AMERICAN EAGLE OUTFITTERS _..-. - .. ae.com AE Visa'Card MARY E ROTH Mobile Service:ae.mycreditcard_mobi Account Number .X818 Customer Service:1-866-913-8479 Summary of Account Activity Payment Information Previous Balance $4,736.52 New Balance $0.00 -Other Credits $4,738.52 Minimum Payment This Period $0.00 New Balance $0.00 Amount Past Due $0.00 Total Minimum Payment Due $1,311.00 Credit Limit $4,000.00 Payment Due Date 11/19/2010 Available Credit $0.00 Cash Lfitit $800.00 Late Payment Waming:Hwe do not receive your minimum Available Cash $0.00 payment by the date listed above,you may have to pay a late fee up to$35.00. Statement Closing Date 11/17/2010 Days in Billing Cycle 28 Extra Savings Summary Keep Shopping,Keep Saving Beginning balance 0.00 Earn 4%Extra Savings for purchases Extra Savings earned with us 0.00 In our stores and online. Extra Savings earned outside 0.00 Earn 1%Extra Savings for purchases Extra Savings Certificates sent 0.00 everywhere else.Every time you New balance 0.00 reach 10 Extra Savings you will receive a certificate for$10 off your next purchase. Transaction Summary Trans Date Post Date Reference Number Description of Transaction or Credit Amount Other Transactions 11/17 11/17 F518000NH00999990 CHARGE OFF ACCOUNT*FINANCE -916.92 FEES TOTAL FEES FOR THIS PERIOD $0.00 INTEREST CHARGED 11/17 11/17 INTEREST CHARGE ON PURCHASES $0.00 11/17 11/17 INTEREST CHARGE ON CASH ADVANCES $0.00 TOTAL INTEREST FOR THIS PERIOD $0.00 2010 Totals Year-To-Date Total Fees Charged In 2010 $119.97 Total Interest Charged In 2010 $551.56 The year to date information shown on this statement reflects a partial year, starting from the time the Informa0on first appeared on your billing statement. _ma Y'LL � - � .e. • PAYMENT DUEBY 5 P M.(En ON THEDUE DATE. NOTICE:We may convert your payment into an electronic debit See reverse for details.Billing Rights and other important Information. 8640 Uia 1 5 17 101117 Z X PAGE 1 of 3 5160 1000 0352 e18X6640 Detach and mall this portion with your check made to AEO/GEMB.Do not include any correspondence with your check. —J AMERICAN A N - . Account Number: 818 EAGLE O U 1 r 1`rFERS $0.00 11/19/2010 $0.00 $0.00 N OP new Payment Enclosed: �— We currently do not accept Please use blue or black ink ■ payments in our stores.Pay on-line New address or email?Print Changes on back. at ae.com MARY E ROTH 402 MALLARD DR APT F qEO/GEMB CAMP HILL PA 17011 PO BOX 980013 ORLANDO,FL 32898-0013 • • • CusfomerService/Questions:Foraoccord Information,pleaserall theta]]freenumberon the front of this statement Unless your name is listed onthis statement,your access to Information on the account may be limited.You may also mail questions(but not payments)to:P.D.Box 981064,El Paso TX 79998.1064.Please lnotudeyouraaount numberon enycorrespondenceyyoou send tour. • Payments:Sendpaymentstotheadd sslbledonlheremfportendthisstatemerdapayonline. Notke:See below h•your BEng Rights and other important information Teephcning about btling errors wit not preserve your rights under federal law To rveyourrights,pleasewrteloourBlling InquldesAddress,PQ Box 981401,ElPaso,TX7889 •1401. • chases,returns,and payments madejust pox bbtiirg date may not appear until nerd months statement When you providea check as payment,you aulha¢e us either to use information from your check to make a one-time etectonic fund transfer from your account or to process the payment as a check transaction.Whenweuseinformakonfranyourcheddo makean etedronkfund transfer,funds maybe withdrawmfromyowamount as soonas4resameday we receke tour payment.and you vet not reoaiveyourcheckbadcfromyourfmalleialirsfiW6on.YYoumaychoosenottohaveyourpaymentcoltected -. eiedronicanybyserrdt yneM(wahthepaym stub),Inyourownerwelope-nottheendosedwindowenvefope,addressedto:P.O.Box a 590983,Atlanta,GA ndnot9ePaymerd.A What To Doff You Think You Find A Mistake On Your Statement information About Payments:You may pay more than the Total If you think there Is an error on your statement,write to us at: Minimum Payment at anytime.Payments received after 5:00 PM(ET) GE Money Bank on any day will be credited on(honed day.Credit toyour Account maybe P.O,Bar 081401.El Paso,TX 79998-1401 delayed up to five days If payment(a)is not received at the Payment In your tette;give us the following information: Address,(b)is not made in U.S.dollars drawn on a US,financial. • •Account Information:Your seine and account number institution located in the U.S.,(c)is not accompanied by the remittance • •Dolaremormk The dolaramountofthesuspectederror. coupon attached toyour statement,(d)contains more than one payment •Description of Problem:If you think there is an error on your bit, or remittance coupon (e)is not received in the remittance envelope describe what you believe is Wrong and whyyoubeliev elttsamistake. provided or(1)Includes staples,paper clips,tape,a folded check,or You must contact us within 60 days after the error appeared on your correspondence of any type. Conditional Payments: All written statement. communications concerning deputed amounts,Including any check or You must notify us of any potential errors In writing.You may other payment Instrument that:(q Indicates that the payment constitutes call us,but If you do we are not required to investigate any 'payment in fur or Is tendered as full satisfaction of a disputed amount; potential erro rs and you may have to paythe amount in question. or(I)is tendered with other conditions or limitations ('Disputed While we kwesligate Whether or not there has been an enrol the Payments",must be mailed or delivered to us at PQ Box 981401,El following are true: Paso,TX 79998-1401. •We cannot try to collect the amount in question,or report you as Credits To YourAccount An amount shown in parenthesis or preceded deinquentonthatamount. by a minus(-)sign Is a credit or credit balance unless otherwise Indicated. •The charge in question may remain on your statement,and we may Credits WN be a ed b your Ixevious balance immedlatety upon receipt, contnueto charge you interest on that amount.But,ifwedetermkrethat but vnlno sat any required payment that may heckle we made a mi stake,you wit not have to pay the amount in question or Credit Reports And Account information:If you believe that we have any interest oratherfees relatedtothal amount. reported inaccurate tdommtlon about you to consumer reporting agency, •While you do not have to pay the amount In question,you are please contact us at P.O.Box 981400,El Paso,TX79998-1400.In doing so, responsible forthe remainderofydnbalance. please identify the inaccurate information and tell us why you believe it is •We can apply any unpaid amount against your dad!limn. Incorrect if you haveacopyd d titecrereportthatinc udestheinacanate Your Rights If You Are Dissatiisfied With Your Credit Card Informatkxr• please Include a copy of that report.We may report Purchases Information about your account to credit bureaus Late payments,missed If you are dissatisfied with the goods or services that you have payments,or otherdefautson your account may be reflected in your credit purchased with your credit card,and you have tried In good filth to rePorl correct the problem with the merchant,you may have the right not to Balance Subject To Interest Charge Calculation pay the remaining amount due on the purchase. Del fyflalance method:We ltjre the srtere charge on youraccount by To use this at of the following must be true: applying the pedodcratetothe`daiy balance"ofyouracsountforeachday 1.The purchase must have been made in your home elate or within in the billing cycle.Wethen add the interest to the balance.To the - purchase- P tai balance uve te.110b ay current dtgngaddress;andlhe rice must... y� hegtnrdng balance o[ account get 11aiabeeh cr.elhan$50(Net tsNeitherofthesearenecesaary if.your (whic)riincliidsitunpsld u. )add hewchargee nda 4cablehdes ate+ r urch�Be s 'sed0nah deertIeementwemetadlo. or it we.; a� 9�Aa1ry�AO' d larks v w ra*7v Y• m � • r -0wntfie rt lhatss rihe 1a&orservio = �Q fadas .Oe _eta ��„+ : 2-11iu m hav usr#y g card ithepurclfase.fufchases,: balance -ea"irate TTaac6 .�, • , yOUr- 3Oai ao - °•rt~ —rte-- made wfUrcaaTradvances from en ATM or,i h a check that accesses- balance(S7�troaar1mlhb�lnterestGWe9th d-Ibis statarneia`(s:ih '_ _ _ _ yourcredltcardacceuatdondquallty.---.-- . sum of the daiybalances for each dayIn_thebirmg cycle dwidedbthe 3.You must not yet have fully paid for the purchase - numberof-d'ays fie nil cpc(e - s - If II of the aftene above are met a you are dal dissatisfied with the men cy..N?Hce If you Re bankruptcy you must send us nonce•• ,.. l yank 0.deta}�foriildltoRretated-:the .±ppto - a %': • _ ' ter..• GCE•Money Bank uslriiriiGrigal (oliovraig rrun GE MannyBarii ti n:8a ey Oe06 eel 13rtt P.O.Boa 981401,El Paso.TX 79998-1401 103104,Roswell,GA 30076. While we Investigate,the same rules apply to the disputed amount as Youraccount ls owned endservlcedbyGEMoneySank diiscussed above.Alter we fnlsn out Investigation,we w81 tell you our Hearing impaired:TODusarscag1-800.444-1732. decision.At that point,If we think you owe an amount and you do not pay we may report you as delinquent. Otax8640-1-081112010 This is an attempt to tolled a debt end any to motion obtained wilt be used for that purpose. *By providing a telephone number onyour account,you consent to GE Money Bank and any other owneror servicer of your account contacting you about your account,including using any contact information or cell phone numbers you provide,and you consent to the use of any automatic telephone dialing system andloran artificial or prerecorded voice when contacting you,even Ifyouarecharged forthecar underyour phone plan. For changes of address,phone number andfor email,please check the bar and print the changes below. Name Street• Address nCity,State, aP Phone it E-mail Home Phone# Business Phone it 'Cell It or other phone#we can use Email Address to contact you • • By providing your emat address,you agree to receive email communications about your account and also give permission for us to share your email address to the named retailer on this account. 1. AMERICAN EAGLE OUTFITTERS':• • SHOP Akio* • Statement date:11/17/10 Days In billing cycle:28 Account number 1818 • Your Annual Percentage Rate(APR)is the annual interest rate on your amount. Expiration Annual Balance Subject Interest Type of Balance Date Percentage Rate to Interest Rate Charge • • - : Cash Advance N/A 2924%(v) $0.00 $0.00 (v)=Variable Rate • - „; " • "" ' s," ' • -7 8640 C811 1 5 11 101117 2 X PAGE 2 of 3 5160 1000 0352 01858640 • • • • • • • • • • • • • . • .• • .• • . • • • •,:. • • • . . . . • • • • • • • • ••• ... • .• • ,-•;"- • ,••••• `•-• • ' • • ' 4::• •• " L-4 - - •".• "' - . 1 & — - •• ; ".1*-7,- • • • • , . :44,i? C•1.- - • •-'•-•• • • • • • • • 0640 0118 1 5 17 101117 OXPACE 3 of 3 5160 1000 0352 01810640 PORTFOLIO RECOVERY ASSOCIATES,LLC 140 Corporate Boulevard Norfolk,Virginia 23502 TelephonFaxe:: 11:785676:452188_0-8816002 Statement of Account Account: ************1818 MARY ROTH Account Holder: MARY ROTH 602 MALLARD RD APT F CAMP HILL PA 17011 Consumer Account Product Code:PVT Issuer: GE MONEY BANK F.S.B./AMERICAN EAGLE Assignee: Portfolio Recovery Associates,LLC - Account Number: ************1818 Date Account Opened: April 8,2008 Date of Last Payment: June 13,2010 Date of Charge Off: November 17,2010 Balance at Purchase: $4,736.52 .Raltuitd ——$4,736:52-- Less Payments: _ . _ Balance Due: $4,736.52 11-88883 GECM49 This communication is from a collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. FACCTNUM - „---.,-1818 iMKR_FN =.MARY.. MKR_LN jROTH ECMPNY_NAME i. MKR TAXIDmm ! 082 MKR_AD1 1602 MALLARD RD APT F €M KR AD2_ 1MKR_CITY ;CAMP HILL €MKR_ST PA i.MKR_ZIP 17011-1298 1MKRM HP IMKR WP MKR BARDATE0 MKR BKCHAP MKR_CASENUM_ MKR_DISCHDTE 0 fMKR DISMSDTE .i0 MKRBKMEETDTE`0 N � �w 1M KR_BKCOU RT MKR_BKFILEDT 10 :OPENDATE 120080408 CHGOFF DATE ::20101117 4RMSLASTPMT 320100613 iLASTPMTAMT 125 `BRANCH1 `V CW4A DOFD— 120100416 ICHGOFFCODr E UNP•Y FLOSSAMT 4736.°52 CURBAL 47365 2 ^.m uw•w „d, T e 4 m x �o...7?2=It r7e• n • 4 "r= z u t�y 'v MFILENUM 6 3817 � r „ „,,,� .,% s Y lACCTSTS " `"-SF' _ " .� 3 _ ? .-- „...„,,^. -Thu—Y.� .;.410.1: a ;x.37 '`_am / 1. t--L '--� ,c .— i, � x kTSDESC_. e� icta12rids « �� � _� �:_ _ . . ..� .: -: gy_m• JDGDATE 0 --.- _ .._ R.. _. : -. -. _., - ;,:-_.. -- OFF CODE #AED000 TOFF DESC American Eagle Dual Card :BCLE I0181 �BCLE_DESC 1GE Money Bank BUYERCODE IXO9S INTRATE 129.24 CMKR FN R CMKK L � ».., _ N tCMKR_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 9/29/2011 • • _8/3 RE JFANS . E FREE fAl smARTplioNi. .-AMERICAN 1111 After instant discount with a new 2-year plan.See store associate for details.While supplies last. EtSlE OO rtnERSt • ae.com MARY E ROTH AE'Visa Card Account Number 1818 Mobile Service: ice:1 reditc 13.6765 Customer Service:1.886-913785 Summary of Account Activity Payment Information Previous Balance $4,089.99 New Balance $4,211.24 -Payments $25.00 Minimum Payment This Period $189.00 +Fees Charged $39.99 Amount Past Due 5,385.00 +Interest Charges $108.26 Total Minimum Payment Due $554.00 New Balance $4,211.24 Payment Due Date 07/12/2010 Late Payment Warning:If we do not receive your minimum Credit Limit $4,000.00 payment by the date listed above,you may have to pay a tate fee up Available Credit OVERUMIT !e$39.99 and your APRs may be increased up to a Cash $800.00 Penalty APR of 2924%. Available Cash OVERUMIT Minimum Payment Warning:If you make only the minimum Statement Closing Date 06/18/2010 payment each period,you wit pay more in interest and it will Days in Billing Cycle 32 take you longer to pay off your balance.For example: Only the Minimum 21 years $12,273.00 Payment If you would like Information about credit counseling services, cat 1-877-302-8775. • Extra Savings Summary Keep Shopping,Keep Saving Beginning balance 2.42 Earn 4%Extra Savings for purchases Extra Savings earned with us 0.00 In our stores and online. Extra Savings earned outside 0.00 Eam 1%Extra Savings for purchases Extra Savings Certificates sent 0.00 everywhere else.Every time you New balance 2.42 reach 10 Extra Savings you will receive acetifflcafetorlDotyournext •sue .,t, z � _ ar=,,, -°x 4'"_' -.., - r aQUrCfIeSG".r "r°'°`- _..., `-,:- 'a5 <'_` _ .�K_ �< ..• - --,F. - .�.y 0 29 PAYMFYTJVJF BY 5 P.M.fETI ON THE DUE DATE. NOTICE:We may convert your payment Into an electronic debit See reverse for details.Billing Rights and other important information. 8640 can 1 7 17 100618 XPAGE 1 of 2 5160 1000 0352 01810640 Detach and mall this portion with your check made to AEO/GEMB.Do not include any correspondence with your check. AMERICAN Account Number.. 818 EAGLE OUTFITTERS' ® 3365.00 07/12/2010 -' SHOP Ar.eoY' Payment u orbl Enclosed:ink. $e e . n n We currently do not accept use blue or black ink. payments in our stores.Pay onllne New address or email?Print Changes on back. at ae.com MARY E ROTH 5071 BASS LAKE DR APT 2012 HARRISBURG PA 17111-5918 AEO/GEMB PO BOX 960013 ORLANDO,FL 32696-0013 Customer ServfcelQuesflona Foracsount information.please cafithetoll freenumbaron the(rental this statement.Unlessyour nacos Is fisted OP thls statement raoxesst oinf ormalbn°titheaccountMaybeUnited.You mayalsomanquestioi<s(bidnotpayments]to P.O.Box 9811164,EiPaso,TX 79908-1004.Please lnpludeyouraceeunt numberona rry,corres psndenrayousendlors. Payments:Send payments to the address listed on the remittance portion of,this statement or payonline. - Notice:See below tryout Wing Riots and Miler important intonation.Telephoning abort baring errors win not preserve your rights underfederal taw. Topresenre your rights,pleasewdiefoour Billing lnquirlesAddress,P.0.Box 981401,El Paso,7X79998-1401. Purchases,returns,and payments made just priarlo billing date may not appear until next month's statement.When you provide a check as payment, you authorize us eitherto use information from your check to makes one-ttmeelectronic fundtiansferfrom your account orto process the payment as a checktranaadion.Whenwe use information from yourcheckio metre an electronic fund transfer,funds maybe withdrawn from your account as soon as the same day we receive your payment,end you wall not receive your check back horn your financial Institution.You may choose not to have your payment enacted ekchoaicalty b sending your payment(with the payment stub),in your own envelope=not the enclosed window envelo•=addressed to:P.0.13. • 0' Atlanta G 30353.0993 and not the enlAddress. What To Do tf You Think You and Mistake On Your Statement Credits To Your Account An amount shown In parenthesis or If you think there s an error on your statement,write to us at preceded by a minus()sign is a credit or credit balance unless GE Money Bank otherwise indicated.Credits will be applied to your previous balance P.O.Box 981401.11 Paso,TX 79998.1401 mmediatey upon receipt.but will not satisfy any required payment that in your letter,give us the following information: may bedue. •Accountinfonnagon:Your name end actount number CredfReportsAndAccount information:If you believe thatwe have •Dollar amount The dollar amount of the suspected error reported inaccurate Information about you to a consume-reporting •Description of Problem:If you think there la an error on your bill, agency,please contact on at P.O.Bar 981400.El Paso,TX 79998.1400. descdbewhat you believe iswreng and whyyoubelieveIisamistake. In doingso,pleaseIdentitytheinaccurateintormationandteiluswiryyou You mustcontaduswithin60 dayealtertheerrrappearedonyour �ievebls Incorrect.If you have a copy of the credit report that includes statement. the inaccurate information,please include a copy of that report.We may report information about your accountto credit bureaus.Late payments, You must notify us of any potential errors inwihog.You may cat us,but missed payments,orotherdetautson your account maybe/elected in • If you do we are not required to investigate any potential errors and you your credit report. may haveto pay the amount In question. Balance Subject to interest Charge Caleulaton White we investigate whether or not there has been an error,the Daily Balance method: following are true: We figure the Interest charge on your account by applying the periodic •We cannot try to collect the amount In question,or report you as rate t ochedety balance'ofyouraccoumfor each day in the biting cycle. delinquent on that amount We then addthelnterestto the da tybalance To gel the"daily balance' • The charge in question may remain an your statement.and wemay intake the beginning batance ofyar account each day(which Includes • cadlnueto charge you interest on that amount.But,ifwe determine that unpaididemet),add any new charges,and apptrablefees,andsubtract wiemadea mistake,you wlt not have topaythe amount in question orary any payments or credits. This gives us the daily balance.My daily Interest orotherfees relatedtolhalam u& balance of less than zero wit be treated as zero. A separate daft' • While you do not have to pay the amount in question.you are balance will be calculated for each balance type on your account.The responsible brine rematnderof yourbaiance. balance(s)shown in the Interest Charges section of Misstatement is the • We can apply any unpaid amounl against your credit that sum of the dairy balances breach day in the billing cycle derided bythe Your Rights If You Am Dissatisfied With Your Credit Card number ofdeys0tlhebtllingeyde. Purchases Bankruptcy Notice:If you file bankruptcy you must send us notice, If you are dissatisfied with the goods or services that you have including account number and all information related to the proceeding purchased with your credit card,and you have tried in good faith to to the following address:GE Money Bank,Attn:Bankruptcy Dept., correct the problem with the merchant,you may have the right not to P.O.Box 103104,Roswell,GA30076. pay the remalnhrgamount due onohepurchase. Your account Is owned and serviced by GE Money Bank. To use this right,ell of the following must be true: Nearing Impaired:TED users call 1.800•44.1732. 1.The purchase must have been made In your home stelae/within 109 mteaof youroarrent mailing address,endthe purchase price must have been more Nan$50.(Note:Nether of these are necessary If your purchase was based on an advertisement wemailedtoyou.or if weown the companythat sold you the goods or services.) 2.You must have used your credit and for the purchase.Purchases • made with cash advances from an ATM or with a check Anal accesses your orod'ilcaa account do notqualdy. 3.You must not yet havetutypaid forthepurahaae. If all of theatene above are met and you are still dissatisfied with the purchase.em tad us in wr#Ungat GE Money Bank . P.Q Bar 981401,El Paso,TX 79998-1401 • • Whteweinvestigate,the same rules eppiytothe disputed amount as discussed above.After we finish our Investigation,we elf te0 you our decision.At that point,if we think you owe an amount and you do not pay we may report you es delinquent. informatory About Peyments:You may pay more than the Total F.,,=,�r. ,.".••-- J�nneea�tt� ' 'f $racds8er5910PMw_ .,rs .'' _,,, �c., K•�•re.M• - mlfksteFetlosoithened ems# � - 1t�y01.,�`xil>AcCdalt�i(.b�r' t"� tr• x}, • ,�--•s�• 1101 ve days ItPayment(Cs fwgrItiO uod t:lhp PaSlrrenl _ �' y (b�Is./idrsa defutISdddlns�d�raw]enal39tfipat�i°dalnstdu8vw�t �" •9,t 3 l� azotli/.�'RV..f/� .L�.rdi,�y nl�"Y`^•i `ems -...a ` .9%.+� yR xwy�, t. 3 ,}ak'�. �y+.a kS�-,. ' �x.�3-rte+^ ?:fi + Ith ti(d1,MOuKS'.rr.-14am''Sne„Par.g.nt0r remtance coupon,fej Wnor received n the remftfien'ce emielope`pmnder • or(fJ)Oelu:.Ofdlryiypde gples,papetclins,tape,abgMdchecic,ots . ^x:..: aY .__ egmdiNana b7s nts:Akmltten'Zanmtmlcehl nacniite�itlne; disputed amounts,including any check or other payment tfstrumenil Met (I)Indicates thetthe payment corsttutep'payment In fur or Istendered as full satsfadbn of a disputed amount or Nl Is tendered with other conditions or limitations ('Disputed Payments'), must be mailed or delhverod to us el P0.Box 981401,El Paso,TX 70938-1401, 01818640.4.0612282010 • This is an attempt to collect adebt and arty information obtained will be used torthal purpose. 'By providing atelephone reanberon yarn account.you on toGE Money Bank and any otherownerorservlcerofyouraccaunt contacting you about your account,including using any contact information or cell phonenum bars you provide,end you consent lathe use of any automatic telephone dialing system andforanartifictel orprerecorded voice when contacting you,even If you are charged for the call umderyourphone plan. For changes of address.phone number andler email,please check the bar and print the changes below. • Name Street Address Cty,State, ❑ Phone It E•maii Nome Phone# Business Phone It 'Cell If or other phone#we Email Address can use to contact you By prodding your email address,you agree to receive email communications about your account end also give permission for us to share your emataddress to the named retailer on this account. • GET THE 411 AND EARN EVEN MORE 4 L in Fx ra Sowlgs OP.all purchos s in AE,aerie 2nd 77kids,ui runt PS'arid rmlu;,. -.in Extra ;iiigs on purchases c:+ery,,,here Visa credit girds are decocted(Visa Cord only)' 1 card earns you AEREVJARD$and Extra Savings reittlicAos • AMERICAN EAGLE OUTFITTERS .w I:..r;is Pr03..-cx t_r:ns far.12C.a. Transaction Summary Trans Date Post Date Reference Number Description of Transaction or Credit Amount Other Transactions FEES 06/12 08/12 LATE FEE $39.99 TOTAL FEES FOR THIS PERIOD $39.99 INTEREST CHARGED 06/18 06/18 INTEREST CHARGE ON PURCHASES $106.26 06/18 06/18 INTEREST CHARGE ON CASH ADVANCES $0.00 TOTAL INTEREST FOR THIS PERIOD $106.26 2010 Totals Year-To-Date Total Fees Charged to 2010 $39.99 Total Interest Charged in 2010 $106.26 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account Expiration Annual Balance Subject Interest Type of Balance Date Percentage Rate lo Interest Rate Charge Cash Advance N/A 2924%(0) $0.00 $0.00 (v)=Variable Rate Cardholder News and Information HAVING TROUBLE PAYING YOUR ACCOUNT?OUR FINANCIAL ASSISTANCE PROGRAMS MAY MEET YOUR NEEDS. CALL US AT THE NUMBER LISTED ON THIS STATEMENT. The year to date Information shown on this statement reflects a partial year,starting from the time the Information first ..�.. appeared on your bIllmg__ nt. a �.� x�yay ��� z 'a" s r z z r ✓�r� m r 8640 CHH 1 7 17 100612 x PAGE 2 of 2 5160 1000 0352 01216640 NEW YEAR,N EW REWARDS Statement date:01/17/10 Days this lulling period 31 Account number. 1818 Y YOUR AE'VISA CARD STATEMENT HAVE AQUESTION/ 866-913.6765 MARY E ROTH,yotr minimum pay meat of 5137.00 is due on 02/09/10. ACCOUN r yJAIMLiR"i Balance on 12/17/09 13$01.17 Notice:See reverse side for hope taut information Payment you made on 01/11/10 -200.00 including how to report a btiHngerror. Gratis -39.00 Gel the 411 on your new Rewards.See Financechame de transaction fees +98.87 following page for details. New balance $3,761.04 Minimum dm on 02/09/10 S 137.00 Remember,to avoidlatofees,you must pay at least Ors minimum papaya!by the due data Extra Srcinn:Sumnmp: Beginning balance 0.09 Earn 4%Extra Savings for purchases Extra Savings Certificates sent 0.00 in our stores and online. New balance 0.09 Earn 1%Extra Savings.for purehases everywhere else Every time you reach 10 Extra Savingsyou w01 receive acertiicate for$10 off your next prrchraa AVM_ART CP.EDIT Credt Utah $4,000.00 Cash advance Emit $800.00 Availablecredt 1238.00 Avafatte cash S238.00 'TRA VS.C1'!ONs Outside AE transactions TmnsDate Po ate lion ormt 01/10 ()MO F516000CUOOOLF010 REFUND OF LATE FEES -39.00 FINANCE ClL RCT.>`h1AL+RY Average Dally Ornespondbsg FINANCE CHARGE Eapiwton Daily Periodic ANNUAL Du,To Dally Transaction Dale Balance Rate PERCENTAGE RATBrtodc Rate Ekes Cash Advance N/A M100 0.08217% 29.99% 30.110 30.00 TOTAL FINANCE CHARD:398.87 ANNUAL PERCENTAGE RATE for purcha2989%ANNUAL PERCENTAGE RATE for cash advand4.99% CALIJJ IULULIS t3ENLII1 SAND^.IUItE Save time.paper and postage by managing your accant electronically.Co to ae.com and alga tap for anti tolsay to are howeasy it can be Did you lnowyou can amuse your AE erect card at Media t Osa stores and maninandosa.com ._ t3 - - - _ The periodic rates shown may vary.Payments endue by Spin ET.We may convert yourpayrent lo as electronic See revues side for details 0640 028 1 7 17 100117 PAGE 1 of 5 5160 1000 G352 0113.8640 Detach and mall this radian with your cheokt°AMERICAN EAGLEOUTII7 ERS.Use blue or blast iok Sony,you cannot pay In a store. .. . -- Account number.Min 818 AE VISA CARD PAYMENT INCLOSED BALANCE MINIMUM N/10 ®n a n n n nn 33,761.04 S137.00 Save a stamp,pay on-line at seams FFADADFFADTTAFFDADTDDFFATAFFDDTDDDESTFAAADFTDTTFTDAAATTFPFFFAADFAT MARY E ROTH Alf9 3071 BASSLAI00 DR APT 2012 PO BOX 960013 HARRISBURGPA 17111.5918 ORLANDO,R.32896-0013 TDADDFrTADTATADAAF1FDDAATFAAFADFIDAFIDFDADAAATTATTAFAFAPDAIDTFTTD 1 81803 • • • • • • • • Questions? Customer Service: Payments: Mal goafaa(nd paprong andyeuramount For/scowl tdomdbM1CatbOtea Raropgnnadsta monkxt b• t.0004150765 Anatean tmgte Guinea Poem 051064,B Riot,DC 709984004 PO Bas 080018 Otlands L97E060019 4Nphodngda th:neer.ewa rwltxaane tmtssyearrame Is tsbd on Nbaatacen your tow rights odor lethal lac*gramme yotr mats to Inanaton mice naant maybe Rotor the baker la Brag Ftlpds Meng dgh$phase velebtne BEng Nubia Addess 001W baulesAddresekedgNOd payment sandotoer Intel Ming g nights atrium ry betew inportemM0me0m. Portholes ratans,and payments made lust pdarb idling data may not appear mm next mantle statement.Unless promatwd m0 for apedaltam6,addNael themec8aaea cent be evaded Ewa moans the newbatataa by EE00pm.(ET)on the duedab.Weaeoervethe eight toebi en pawnentabotrmka0yfor arty check oath rlrobumard del you tend b us by Wilding an ACH(eleamdc)debf In theamoad0l yourchedrorinsbumenitoywraccmnt Youreheaka tuba entwli not be fahrredtoyou by thorns bankWwacmurt maybe de teed meedya6 the scare dry we retake yourpayma a.Youmayshoote eotro:We your paymentcalbcwdabdronlealty byemtdlog your payment(with the paymom stub),in your own erne lope-not the instated window anvdapa•addressed em American Eagle Outfitters,D.O.Box 6900 W AMNnts,GA30953-0089 and nor the Paytnerd Addnees. Idernrtlon Abet!Pyre.ia;Yon must pay at Aueusa.The Ardueo Ba'anee subject-to a theca MpeetaAdAoeoum lnfornvebn:lyat bst the Tatal Mldmum Pay roan by6d00pm. perbde Fns was Charge b ire Purchase Dory hesave Ad on hate reported Ireecurme • (El an the Wu inert Dth shaman the the anceoftheA„wt.honer.,Paachosea me bberno ton about yen to a mnaanor repa&g Minimum Payme airy Dmw AR'Payment per Odpinuo MPryetar. Bpinedottip lea a,TTXpT959e3-ido0.e at PO please 40g6 recehedah.5:00 m.PET)m ary broinoas 000 pruhnnsCF nee ce ow Aoao t the de Iremurde information man tel U.s a'rn day.a onony dry other term badness day,wig bbeghd dtie ce�pmfed,tdtdvrgt a'sil' y t"rdt beredbdeatle MabiabaesdstWemeyake be faveab Incorrect mhmaneapydth- a for awakes h wtddr yyoauu may pay you mambo Promo00ne1 and Speeel Promdbn bdaroes a 1eem that eawe/ye that won lMame- lebfaaro(May by Pnotn')a luougk tin fProviae Bdenm?,0r to sun d pw hepbe roInclude� a00a�'anopaMtya meth report • Inbrnel.We may ehage fem for those sehtktm Pnynrente ands»dAs posted you A„ua by ro6eothgon your crate mood may bestbmitted Our avatom1. eembe miseamttbee by the V"v"Was lTo de dbede Pant the tea caeumr roweling agency lfyou fate kW Pstuddd IOW I you about any foes for ePy by Paisleys Barns?.To doter**the Pumhwe moorwoonbudroemem. • Phone eerrkesad my fee IN no an entre Befmceahtpato apedodbFlronoe Carmphwe payment will bedtxkeedto you ail re.Credit to take the prkr dye PUmhaa Balmer of your Btglg Rlglhb Stma"Z.% eased Enos err your Amant may be deterred up to eve days If Aare,which Gwttdea my aped perks% OmstbmAoulYeurB:e'n eetfihyae-- paymoni let Ia roil neenbod ii the Paeeent Finance Chap?onymr Purchase Balance,and as W.nod Mute b�mneebo to • UAS Ftrour(tMIrtsi[kel fllo m6eelnonMeno)b�anyrw:vpurcbaieg oerd„utectnrged alms Egligingidoanddreem net oeaan(perrbd by the top portion of yw 1 hog arias ar ale nappiledt C your P Boxoolaot,0Pax,tC7998Bd sota,eoon payments...a of coupon,(e)dh tro rsoehed'�in ten eyentor Padhaa gdrtae pstdsy Eid,day we due eopoallo.Wo trust hsarfromyeu no idea train emrolopop mN.ta(Bhdudmatplea,paper dad say gaud.Fit..CBmeas on yaw BDdbysdflmwrocemym tetredmonw1dntl0 otPMb gboodw dwokaea u„la ., Who than Tmo eetion Fees Welsh rdok0 rowp reel�osnorve you?tepe.bymt any yy0d tamkbrWPaymtdspjtewdcera ale, Advaro„),lortod 8 eery deli oaaeldbn hew beer,the usenet rat e00vt8 lnbrmetian: mudoetors ooneemhg dsyuted rdoenu0. .You,hnrree and aeoaat numb. tciedng deotedka dyer payment Instrument aesasadthd dayenyomAemum co gbesny The dbihr0tmuntdthe gsp,c edenon that 0)tdcabw the the payment oonsDNbe the f rdm5DalyBdarae•dl otzerert Any�Oesodhe tie emitseep.IM1 tyou may why *payment.It abten eoterd W eatbbdfn Purchase Delanoed less Matzen, be ysyoouu 6eNsve describe laden you aro wauro oondt%rae or&aib9om CDbpuied If there Is no Previews Behan br is biting about. must 1 PAM an90.14 b ue PO lei a the awn deem paymeme cad craths pay any amount.cesortton 981401 PAM TX79g9&t4D1. Ported 16udo we have to Daayymmeennt Aitoadwe We reserve the right to pceb/loy9Aaoudbylh P Baba ue Oak wMb we me uaestkOrg,but you we stn one Wooded netsd bywhkho enema andcr*dis ad bast edpel b to Prerbus Balance,raw obopmedbpaythepoAsdyooeigbateromi. as W oded so.yaw rdAware In our sob no„d• byte berroffieddecrpeexettmlbtkq Weston.WbU• o lmotlgde Veurgtsdloq we w�w The in moor porn.Gtwgoo.beon' 8eweeee.bet a hem nextb�gbp Po 505 meet hearr bbuegbr tduanyadbn you Account or aedeod savings dlrbldeble to UmP.I.E.Fbeeme amnia b erpnsedtntbroxt Special Rub for Ceeda Cord pfrchaseer if cry radioed APR mambos dnpandng en rho htlrop ried.,dem baPrevbuaBdace loathe b.a grabber w„the qua d ptepoty a hoes d nansadkae and promotions on your Make eded,NdSdenge l bnmce end lb. s ,Ices hod yam pudemN wkh..n41 t the Aeo0Od,and the tiring and Gnome of yaw of the• paynenb and oradb pentad to you orob%m moo to trtemh r t,you may hone tlhe 'imager reduced APR wandnen Maid Wide Paeans by to Ow Dam.hod Nat dgla note*pay the ramdnYB amount die on the Prennolbael that apply erywbce you Leo your ewe'to that Balance,new Padeses ppopofy amrvbes.Thome*two&datone on Ao„ud.tkoaao•oBaatopgmoMatolavm and clew alabd charges ho{dnb exam a thbdght APR baanaesibettyou have abnianoebd Ms Race.Chege*omth leer title dab of the balancers? ay lemma will 0ndnoWith t oitelad traiomton atMfYddgdtle bDng paled. aka Amtwelhpwhorne Pet%What benefit ce the*rimed APR of the Wad Wkle whbhtrfamadbnbpmledbyourAcoount 100mtbsofyourour entmdthged6aa;erd Pronedbrt It you bowery passions amour th Math Advances.The Cash Advanee balance fp).padusepeoe mud MvebssnmeooMa alooatbn of you paymer0.pleas call de subjoettoa poeodo F7rorae Champ IseroCash 660. • *Warner mwbe phonon/mbar kododon yaw Adana' Belem*of the Amosg.To bEmOstelamers. detemJslhe dance Babaeseelnottoa Thos Ahdldlcredorotappy Enema.mop.ab - Me merchau or if we mailed you the Create*YbwAeeeaa:Anarrtartbl*wwd by Penedo Flamm CFalik we take the Pia Gyp edwraementewpo moon/orwor as ambw(-)ddegn lea peat memo balm Wass Cash Advance Bekaa d your Amours, dhelnee bdbebd.Cmdi.wil be aeYMdtoyav yohdssall unpddperbeee Finaroebags en m elaaptcy robe:0cb M beduaPtcyyou prase:de balance hnmadtabo upon reeeiat,but Yaw Cash Adiaroo Want,endedeary row must ern us POW*Inekulea semen number e who not seedy arty required payment Metre,be Oath Advances,Trensadlon Few la Cash 0ndeAkbroth*relata tithe Pmaadhg bite due. Adenoma and ppeededoFSen*Charges on yew tenmegeukbeea: Tb9pppfho lbntahg:To emure gut you CashAdrarce Balancefer that day andsubbact GEMMaoeeey Bank, woeW saturate endaorrbaweurornersorelm arty payments and other cradle tippled your AteEtaduupbyDapLP00ex 103104 .rr-...-.,,•+.-cwr.;e,i-?r.,yoor ytapfaroo0wna+aa .be,rnetamod _+CarhtdlateeBdencettnlday. '��'.`t•'•' Wir' oi'deiaa'�led4 y gd8bne sit:MEAdrWee- finds'd the A000ur/:-'Ybv egeou iiiovfdm/.arvbAdbyGEMaeay r .; mangatg•••,. '• i..,� •Clash Adewoe Dory Baleeree d by It" Rant Fa hard. nd�asd ,(� r�- _ r�^•+ °tev ,"�• .,. Idormetloo Abair Rrendie,Chi• is� �X?roW)reire"4.5.e eh • .. :ems-"tat - iC id th e rd( •rx fit+ u ra a ;o-" ', . balance sin bj.d to pnladbFkkide.Qw C h.Adpeiioes,,Treroaabn Fens to Cash A eaWlnted n?emme-b-a Pur�eseS d h-.r4 ahem and cher related ihwmawAteoonse., -. `•,:n - _ • ;5.� _ d••,.. _ `Adv'dnaea.Adaoari ddet�ne i 'Rufim`C- 'teem tar lanai N IM=:+`='.^r-a-' ^:;.ia:�-_ -_ ' :L,;. ''"� yy..,by bl�mtrtyta('� �..., � n.._.; -�.:•_r�.v.�:._.. rraam� .D_o"T.s.'hSr£v1A�'���:�: r. ;•;.... fktaar0u�ictdsydtis derp'pedeA.;:.,_� _ .:a?.:.s::t2_::�:_.:>.'",--_. ._...----_�G?=°`>�_... �'7:`�_.^•----_="=�_t..:�,�r bat&n„a inn patriot and Cash Advances by .whiob Os Caeh Adraece to wood b yw ' thedrivia ,"root d b the b10ng /boost ben pedodwAHnwhkhyween _ _ •:pe!'oe f�.or Ig 1 <t u. _•yN 49 sa�!a_ - - -- _ .- - .exf'i:;•-ter..�•�..;. 't.:=�_^.:_-s�<:4�_ __ __ ,r_.-,:. ..-. _ �.•, kr�'�...w�eo••.area qm on�CaA.�:z_� .�- :_A. :-........:i;.' ...•thesepb thotet hlbLa7l eta^ .�ddG�i9A_ 1095. d}in....._...-i6o!..--..__. fi. '_.: -.s '<: ::m. .._•._. .._..__• ti:3L7r42ezas-•.:::.�_`z.:Sur'_:::_ +...::-:---...~,.....� themProdebtogtlec arenas. ""DI)dc' '4a*'�57'32 OIFIacq-0-052505 • Use Of InbrmalenAhouYou ecdlbtzAccolratl:QaPdvaty Paw dram:b sarmledatanddsbewodlriomtdonabwtyouerviyar *cooing.If you scout:Re molar cpy of tae Privacy Felcy,phase callus el en anbmneervke terophom rerberindeded on the hare of Otto stat.nert. Thta IsanatlanpttouBaddabtandany blomotlen obtataedwil be used brthatpuposa • Credit Bureau Rapotitng:We may report Womaetbn aboutyarraocoua to erode bwoeus.Lde payments,mksed payments,or odor • dated[sanyeuramotntmeybe negectedlnyowuedlreport • • Phase odrd oranges otaddres6,phone numbeS end/or ernaO bday. a &Wraebas • Add Phone* • • teeoProau este=Pose• osdooaabrpwa• Eaanaaaee• • wenn®omma pe BYPROVBDRI'foul RAW ADDRESS,VOUAOREeTO MC ENE BAALCOMMUNICATIORADOM'VOW ACCOUNT WIDOW GIVE PI:ROSS:CP FOR UST,a tOdDEYOtri edAoU00RESSTOA1ERICAN EA/LpoartmTERS. • • • • • • AND EARN EVEN MORE 4 r I if I 11 kr aehe, 7rpiie LI O1J flTlrrS NEW YEAR, NEW REWARDS! Starting January 1 , 2010 Extra Savings- Faster! •Purchases on your card at AE,aerie,ae.com,aerie.com and 77kids.com,earn 4%in Extra Savings.Spend just$250 and get a$10 Extra Savings Certificate. •Purchases on your card everywhere outside AE,aerie,ae.com, aerie.com and 77kids.com,earn 1%in Extra Savings. Spend$1,000 and get a$10 Extra Savings Certificate. •Use your Extra Savings Certificates in our stores or online to save$10 off your next purchase. We have converted your unredeemed AE Visa Rewards points to the new Extra Savings Program. This is what you will see on your statement: Previous Rewards New Extra Savings Program! Gilt Carr.'Samrnary. Extra Savings Summary . Beginning points balanc:.. 225 • New points balance 660 New balance 6.60 8640 CMG 1 7 17 100117 PAGE 2 of 5 5160 1000 G352 01120640 • • • • • _ _ .i:� '� •r,�'it �Y.�.._:.. ,=.�Yi 0640 07G 1 7 17 100117 PAGE 3 of 5' 5160 1000 G352 0117.0640 • • • • • • • • . . .„. _ - - • _ .-_.-.---- • -; -o344•••.?" • ;PCIL,Z4C:Feidia ••. • ,,•. • 0640 0lf4 1 7 17 100117 PAGE 4 of S 5160 1000 6362 01FL8640 .. - - - - : 0640 GYG 1 1 17 100117 PAGE 5 of 6 5160 1000 G352 01r1.0640 AMERICAN EAGLE OUTFITT132.S' SSW ALM ae.com AE Visa Card MARYE ROTH Mobile Service:ee.mycrecateardmebt Accotmt Number 1818 - Cnstonar Semi=1-866-913.6765 Previote Balance $3,761.04 New Balance 33,720.02 -Payments $137.03 Tout Minimum Payment Doe $13400 *Finance Charges $95.98 Payment Doe Date 03/1212010 New Balance 53,720.02 Late Pay meet Warning. If ea do not receive your minimum payment by the date listed above,yea may have topay a Credit Limit 54,000.00 late fee up to$39.99 and your APRs may be lamed up to Available Oat 5279.03 a Penally APRof29.99%. Cash Limit 5800.03 Minimum Payment Wanting If you ranks oily the minimum Available Cash $279.03 payntettteach period.you will pay ante in interest ani it will Statement Cosiag Date 02/17/2010 take you longer to pay cff yaw balance.For example: Days in Ming Cycle 31 Only the Minimare 21 611,818.00 payment years $158.00 $5.68400 3 years (Savings= 36,13400) Nyouaould lika iafornutlon about merit cotmaeling services. call 1-877-302-8775 r:1 SIX nvmcs S,111:r, Beginning balance a09 Earn 4%&Ara Savings for purchases atm Savings eantsdwih us 0.00 it txir stores and online. &tine Savings Darted outside 0.00 Fars 1%Extra SaVbge for purchases Extra Savings Certificates sent 0.00 everyw hero else.6/ery Wrs you Haw balance 0.09 reach 10Brtra Swings you wllmeaty a certificate for$10 off your next purchase. 0 2.5 5.0 7.5 10 I r:nsir:ion Sunnu s °the:Transactions Trans Date Post Date Reference Number .of Transaction• t • Amount ...n�.....,,....-..�._....�-— .. --..-..�..._- ,.-....� 02/17 07/17 *FINANCE CHARGE* .PURCHASES 595.98 CASH ADVANCE $0.00 95.98 3yfi .,, .. -�N C&Welrimeoniriti r{raymaoi.t#tiP rc:e)eciionic deAu,Sesie afoe''aetue.&Eitting Rightsaadaher importane.,.. - •'� �. ._. -.~..irtorma0oa 8640 can 1 7 17 100211 PASS 1 of 4 1160 1000 6302 01888640 —..a. Po�9;Vy11 yWG. e�IoABDAGFb1B.;j14ct2.�998. t north -._..�vsn .,�r���������: .-. x,..� s- AMERICAN .Account Nantes. • 1818 EAGLE OUTFFI"t'ER rt■ 03/12a010 Numminzmimilm Sue Af OW r g .otloLabep __ - - i�j.,.:.�.�_.:.:.._ payments in au acres.Pays on-tine Newaddressor email?Print Changes on bock. at ae-com MARY B ROTH TDAAMF117TrATTD ADFADADTAAFDTTIDIFFDM1DFAFDIFFDTATFTAADITPTFIDDFAF 5071 BASSLARE DR APT 2012 HARRISBURDPA 17111-5918 �iAT01L' IvfB 8 Bmw•a�sA�� D7D7FlFAA1FI FATDTTFDFFDDDADDDDADATDTTATAFFfDDTH7 1 81803 • • • CustunarSonfoattbaslions:Foi amount Information,please calthebebse ranberonbehonl at thisstaienertLUnke yoornamels bled oat* xap"sob"*endpom°ls pmlatm this admen!areal,tribe flaw Sestet°lor ysta BM%Riglas atidothereepalant biased=Teteclanieg statabtrayetrOntialiall preserve war delta arderladeral lans Purchase:,alums,and paymontemodoyat pria to Nang datermy ral emerald neat month%statement.Vtlareserve the" to obtain payment aboard.YaR ds,, treburnate vel notbetetumed toyou tyus ayout teak Yasrbadtactount may be debacles eady es the=Heal we metes pepnerd.Yeumaythooss nal bavo yea pavane intifectodsladronicsity by sanding your payrnoul Arath ten paymoht stub),In your Whattono You Thinkitu findAllistabOn Your Stetwoontlfyoultani hernia an eraranyourstatemetwnie lausal:GE gamy Bent PO Bac 987 4C11,El Pas°TX 799364401°tourney ebb Mead ta at the Web al twitettacorn.layout letteagtve as the Making Inotr.•Yea mane end aschual ember The&demount at lbasuspected Desorption Clete abbot It you think thertsbasertor on yeah:Umtata • what you banshee waged°teflon belies it is a mistake Ibis mud coolant wIthin 60days atter the ems appearedanyour .You mud flatly usof anypolordislenomberaling olocliceicady).ye°name us,hal you Wee are not Imbed to Investigateary Montle=snow moult ctreparlyottas delinquent metal errata The charpaln question may roman Onyourehtlatall,andtronsycallatale Merge • you tote on that moat 84 Ewe&Winkle that we made a nista*you id not traeto the amount In question et are/°detest omelet fees your curd catd,ana yoohaeetrieditgood taehtoaceractthe probitomeh the roach*.you nrayhavenseright notto pay The antra Wean the parthsso.Tomo Mk right WA be blowing mut betrue:1)Tha prams must Irma been mado hi your hane steam widen eased your caned mallinpaddress.andlespathase mice mail Amebae°obiebanti50,61delteitherof bens areneonssay rorpumhstiessit basedotart athertleastal we mated to you.a wagon lhattanpanylital entiptuthepabosearaices.):96 You Must haveteed yout=Similar the purdbee. PUrameet lotide ab advances tan an AN°mettle Mach that accesses arena ctedoecountrio nnt qua* You rut net*twangy peht Sor Elto purchase.Irati of!Iva atala gag era inel and you wag ugh Me pumas%cordact us In*tang(or etectraracarty)et GE heoneyEtard‘Ra 961401.Et Paso,TX 199913.4401 glenezeson).WIterretnestlgramhesareartaes age/tothedieptdedanountes tliscussol above Allerweardshourhasagagon,wegal team=neogion Ai that Point lastnintlynOwena&anent artritnudnnni faaPie regnflYan fatomfallonAboutfWineets:Younsi Amoeba, folatithittnurn Pageant ertnygase.Payments recelveciatter NOM(El)on meaty win be=dead not thertextagit Cord toyoerAscoure way begetqed uptolbe clap tr pap*gh testdrecehed el the Payment Ogees,Mt nal Credia Youratamitt An atanal preceded by astansii44.nor bland lorCir!somata'credit halm uriesecbentass bricaled.Credits elomlarrep To ammo bat you mare aosuratearal=dean customer sent°,your!Maslow cab Maus may be reonload by air. contra us at PO.Bactla MI El Nee TX 700004400.b doing smokes*ideate/the Irsecerete Information gett reliever/you beam- a Is &formation Anna Amoco Claps:The balarcesabfed too cabdic lame Chaps brooladstectseparatey Pastimes and Cash Adman. • A.Porchases.The Purchase Ettitateetutled to a peloSt Rome Impels the Fvethasetlaktisianceof theAtecia Homo.Pun:hansom not • your Meade Waite/mere Doe Date ts al bade:Falb ba Probes War&To Mumma the Putahese Manes*AO to opera:4e Ritmo Cherrgeowatairethe*orday§PutehasegalanoaceiranSeeausgyhichtnetudeemerunealtgenotac Finer=ChargeonyoutPurctiesegatance and Odd my new Potatoes and can:adobes charged lb your Ataure Mal day and Wra,.ay payments end Oar ma°asphod le yam Furtbase Balance that dag Each day we also zero any prft Ws, Charges enrol'Fuctrees Balance Nei other Finance Charges ana tees(ober thas Two:don Fees te Cash Weems). •t044 any debt cameo/be gas messed that day on your Account This Oa 03 the'Purchase Daly 'liberals no Previous Sebum forte Ming patina a thetas crt your pay garb ard Gaeta pzeledtoyas Account ty Papal emettate iset least gigot thereed areal/paned('a gonadic Finance Chargelsenposedinthened tan perbd.I t tenth apa&mbablicetcrthe bring period,Wang Walsall at teestequalb that Pastas=Mt•=,new Pursitesse and Ara danseswilbeeln to cameo F Mance Chair kw Minima be dated Wet ereactIonarbe Made/cd*Wang perlodhindethtnelltimagansicebledtolorAcccont• CanitAdiarices.ThoCash Adatao Rabic°eubjeottoa pastas France Charge is the Csahnekeneetiagy Balanoeet theAtcount.'redetermine as Cash Adcatte&Same baled to a pedxrc Mance Craws°stabil°print cagett Cash Motto Eames of path:Met*nth Ineirdes any mama patio*Finenceautspas on yarCasti Adatmetlatarice anent ay nee CasstAthances,tiansadbarees torCastskatabes,and periodic day Mediae astettesh Advance Daly Balanceacd IheAcootri kg CashAckante DallyBalaareol lesseln zero/gee treaterlas zero Cast)Advanceraresictbn Fete tor Cash Ablate Writhe related doges actruea perk&Rem Ohne tom the law of the Vaasa:gen date rethefast dayor ambling periatimstrat theCeshAdvarseis postedbrzu Account.There isnoperiod Inwlechyouceniraid periodic Flamm Eren ••.• Mitloo: Iwo bartkelptcy • must UMW°OW,inducting account numbot and ell Intmietron rotated proeitedny lo eta 90s103104.Rcatel.GA 39076. ommmn iccounl.II you woad ilb3 Maher coty ol Petcy.tleate-04 a et be customer se/0..100one reenber indicated en the front orlhie Thie ie an dense to called a dell aad informatbn Mashed el be used br pupae° • Eysmaratry a tolepticas numbarra my account,lamed to GE Money Beset and ay caterowntaor weber of myaccountconlathy mega/tay account,inctxtey using any canted blognation crag ehane numbess I potele.and comet b the used royauternatie telephone Slang system ender an Malaita minectuded voice when warding toe,eventf I waned fortho wad ety phone plan. • ~- ----------'- ----- - - Street • Adams x* El Mae • amm Home Phone/ *sin=p=,° Cat cc other plan*lee ^m"sa ce°use- .— EY PROVIDING,mmoWA ADCPISS,VW AGREE TO RECEIVE,EMAN.COPESUNICATION A130117 YOUR ACCOUNT AND ALSO ME PERMISSION FOR US MI:ROME YOUR EMAIL ADDRESS TO AMERICAN EAGLE COY FITE9S. • • GET THE 411 AND EARN EVEN MORE 4 _ ; 77kicls , , II I 1 III r v..31 r_ OUTZTIvi r RS Irnianc,Choral Calculation Average. Daily Corresponding _EinalcESHAZZ__ Expiration Daily Periodic ANNUAL Due To Daily Transaction Date }Mance Rate PERCENTACE Periodic Fees RATE Rate Cash Advance N/A 90.00 0.08217% 29.99% 90.00 90.00 TOTAL FINANCE CHARGE$05.98 ANNUAL PERCEN'rAGE RATE for purchases is 29.99%. ANNUAL PERCENTAGE RATE for cash advances is 29,99%. „.;;=: 8640 C.RE 1 7 17 100217 PAGE 2 of 4 5160 1000 0352 01888690 • _ • free”." ". _ caae- - " NEW YEAR, NEW REWARDS! Starting January 'I , 2010 Extra Savings- Faster! •Purchases on your card at AE,aerie,ae.com,aerie.com and 77kids.com,earn 4%in Extra Savings.Spend just$250 and get a$10 Extra Savings Certificate. •Purchases on your card everywhere outside AE,aerie,ae.com, aerie.com andl7kids.com,earn 1%in Extra Savings. Spend$1,000 and get a$10 Extra Savings Certificate. •Use your Extra Savings Certificates in our stores or online to save$10 off your next purchase. We have converted your unredeemed AE Visa Rewards points to the new Extra Savings Program. This is what you will see on your statement fPrevious Rewards New Extra Savings Program! Extra Savi igs Summary;. Beginning points balaa 225 Beginning balance de 2.25 Poi •. „: 310 Extra ;.f:;?•; fp3rs 3.10 Poi ,.. .` €de AE 125 rr $earn e,outside 1.25 New points balance 660 New balance 6.80 ` t Al Please take a moment to famliiarixe yourself with the layout of your new hilfing statement , el tr Ost Malt MOM= "",� ,44-4, 1 Chere here to tear of spared Oka end vomitus for cardhoStere fikoyoul „-.gioseemei ,eo M ,. _ a -- �— w„ - — .-- ,- This aedfontlas your PreNoos and deans New .Alsa,ywcana cheek yauavaiable that males R i onus=gramma meremoreffdycr-New flalafoe401e1-,-- — Minimum Payment Due and Payment . -,...-........--- -- - IOW DatnAlcuel Wm kiddalrk-...,.utc,-_---, -,-,--$:--21'39?-..-. - ,,. =,..- ...__,__........-,,..-t..._- -,7".:1i-2,4=,..---_-:4"--a-7, ---,--;,,,.:,.?.,....:,,--,--7.- =--,—, -, -t-,------Wr4- 0m onintaACCOUNTWIPORMAriON Provides dearon cremes toyour w- -^••^�. _ r" ... -` aaaa� rse 5 ..ad' -.F,.._utZ-r_?,,,-^ = 0 PAYh air COUPON t3. - - i ,./�0 . ="tea °1` Rem Ws Doman h e sure enclosed metope.S naemur payment ?m� F' newness' ""- (weae atlydo net=eap wows ... . .. i .4...t- .........•--- -�-- Donl forget tal you anAsoPer mordiiane$y 'It**-- '0`- 7 7T-- 0 3 n1 t2 - g< ? ,vim . � - '". c _. ,r �,' .--w- '" ?°- = ` - ° credc your Exna Wares Deimos end see how coseyou ; .--- ,;. o we Molnar/your next Etna SeWgsCertukate -n, r 0TRANSACmN$ARr1MARY ..•�, :tr ' $ Prevldesadtnormtopisetlsingotyarpmrdrzsesaedother ti ��w... hansaoNoesta the currenMina p, d. fir, -7 .- ¢V. 0 MANCE CHARDS CALCULATION r•'' Rrxisauderestrates and amm Marna that apply toRen to ... Puimrames and Cast Advances Nor Vim Customers cnA4. „"- Tae121174eermwsrsA'rPAGE omtlandduesnotrep�emeee henuxcns otewritdidagrncw-"L 9600 ceo 1 7 17 10021 05ff 3 of ;100 1000 G3;2 O1ea 690 • E4-974,174-; . ..... : •— : : - 8640 CAN 1 7 17 100217 P0604 of 4 8160 1000 6362 01008640 SHOW YOUR PASS - USE YOUR CARD AND GET ALL THIS... rA GET EVEN MORE... AE Aft-Access Passe ' ' AV Credit Card and • Rewards and Benefits... AE®Visa°Card... •AEREWARD$'•—Earn Points towards •Earn 4%in Extra Savings for purchases Rewards for purchases at AE,aerie at AE,aerie,77kids,ae.cem°,aerie.com and 77kids and 77kids.com •Receive up to 3 Rewards every 3 months •Earn I%in Extra Savings for purchases •15%Birthday Coupon sent via email everywhere outside AE,aerie,7/kids,ae.com, aerie-con and 77kids.com(Visa only) •Free aerie bras—buy 4 bras,get the •1 card,your AEREWARD$number is on the 5th free back of your AE Credit Card •Member-only sales and events eawm MARYE ROTH MobBe$tvket ea mycredtttavdrsol4 AE Visa Card Aocutmt Number ISIS Ostanter Sew 1.866-913.6765 Smnnuv of.:r;oim!ACII, 3';ai.ant infO■n::aim, Prevbte Balance $3,720.02 New Balance ' $3,710.02 -Payments $134.W Total MinimomPaymentDue $16200 +FeesQiargad $39.99 Payment Doe Date 04/12/2010 +Fmenas Charges $84.01 Late Pay mem Waning: If on cb not receive your minimum New Balance $3,71042 antbytedawlsladabove,ycu mwbaaelopaya late fee up m$39.99 endyouzAPRs may be increased cp to Cru&Limtt $4,000.00 afenalty APRof29.24%. Available Croat 8289.W Meimum Payment Warning: If you mate only the Tatham use Limn s8�10-W payment each peisod.yon wlllpay roots in interest attl it win Oat Lim Cash 8289.00 take you longer to pay affyour balance.For example: Satement Closing Date 03/17/2010 Days in BnBngeyele 28 0n the Miaimara 21 $I1,504.00 payment years If you wouldldcetnfo7matian abort tsedt cmmselmgservices. call 1.877.332-8715. .i.Yl C0 S0V111i-S.111101, •,CIuv:,:r, 'p 110 134nning Mance 0.09 Fan 4%Extra savings for purchases &ire Savings earned lh us 0.00 In our stores and online. Echo Savings earned outsde 0.00 Earn 1%Bars Savings for purchases &Ire Sevtgs Certificates sent 000 everyw here else.Bally 51213 you r, v be1an0e 0.09 reach'Matra Savings you wWreceive a carer hate for$10 olf your recut purchase. 0 25 SO 7.5 10. • . 9AYM17VTDUEBY_SR .t20 ON-THEDUEIMIS i .-. ,-;i*m� -,.v-N017C��fla�"oaf':cbt4 yditr.(hihymeo��tgo�n tJec66dedebiC StAa`vMie "+�eBs_810.in$Riga.SaaadottieriApciteni._.��' �.;..,. lat'onnalion 8640 COO 1 7 17 100317 PAGE 1 of 2 5160 1000 G952 01888640 s„ mn9m v:r_,o i 5rPgacrtBfXiM9ty ftfc Dorm_t0n-.0utkaoKfategi kLM3 lth 26 2.un.. - -- eoiWG4 �uvma+rs —13o1G4O AMERICAN ... Amount Numb= 1818 EAGLE O 'IT I f1RS $16200 dviar2lo payments in au hones.Fay oa-8rs Nen,adhass ofetnaf?Print Manses on beet_. .. at ee.com MARYEROTH FADDFFTDTDFFAAFDTAFDDOAFfDAAMAFADTDDI.1 a 1FAATAFDATAPTADATFFATF DA Net B ASSLAK EDRAPT 2012 AECtK;FMB HARRISBURG PA 1711f-501S O BOX9 0013 FFDTADDDTADTFFATTFATDr irrrt.DIFFATIDTDFAFIFDDADFFA Pt3 • 1 81803 • Customer SoryleerQuaefron's:Fa acoasal efametto,pleaseeta thetoOfreereanberanthe hoe dthadatemor Likeemyy00manamebestates the statement yowasearatolotormatext onereaocdrd may beWed You may reltedauetdia6(bat Balmera a)teRO.Res Sated,EtPPso,TX 79808,104,ReaseintWde you account oueberon ergooneapondeocepou seed totes. Paymeofa:Seed words tote address Nadelaammppedaerdattsatelmoe 1agaradios RoQe:ateae :a e pot arm Ryles enddha lreAorlanthtema.6m.Teledordna'aboLLt to e1rot 44o preserve low underfed lsst Topreseveyouttlghts,pl�erodletoouraD rmkesefesAdden,ReSso98f�i,ElPam,TX 7999&1401. 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Theis enaMompl to ailed a MA sad eryidarodon realized W Ilut used to VWpapcse. • acme. usSVanyaty metal aId7dandlort pdowoem and eased to theme!rot automalk IsSuptxmordaSig system • andhvadarlahbtorprerecorase idea whonoontactIgme.euee5t0' atgudfatlmaetldrrtmypftoneplan. t-l - a`—.^`°� tv"?_�k+� -,:•.Y-S--_�` :.. �...''.4:-�r'y �._"•__ Rama - Street Cas State • Rhona s Name Platte I Duelers Renal Ceedaoterpeenedee Addred den use to Mae ytu • BY PROVIDING YOUREMAILADDRESS,YOUAGEETORECEIVEEMAO.CCAiM11rICATICNA80UTYOURACCOty4T AND ALSO ME PERSGSSeON FOR LIS To PROVIDE YOlR EMAIL ADDRESS TO AMERICAN EAGLE OUTFITTERS • • • AMERICAN EAGLE OUTFITTERS- SIGN UP FOR ACCOUNT ALERTS YOU CAN SET UP ALERTS FOR: •BALANCE UPDATES •PAYMENT REMINDERS •ADDRESS CHANGE NOTIFICATIONS AND MOREL AE.COM AND CLICK ON AEO CREDIT CARDS. • AE Visa' MARY EROTH mobs V f� Card Account Number 1818 Mobile mar ec ice:1866-91 dmo6i _ arnatter8ervlce:i-866-913-6765 Suvm=n of Atcotmi AeIK itu Pavnxm l.doncehc,o Previous Balance 13,710.02 New Balance 33,978.10 -Payments $100.00 MiNmumPayment This Period $175.00 +PurchaseslDehhs $233.58 Amaral Past Duo $62.00 +Fees°tased - $39.99 Total MtnimnmPaymeatDue $237.00 +Finance Outrges $94.53 Payment Dee lade 05112/2010 NewBalaaee $3978.10 lslaPayment Warning: it se do not receive your minimum payment by Ohs date listed above,ytar may have to pay a Credit Limit late fee up to 533.99 and your APRs may be increased up to �� a Penalty APR of 29.24%, Avallahh credit $21.00 Minimum Payment Warning: Ryon make only the D inhm= $800.(0 payment each rerlod,yau will pay more in 81031051 8121 it will Avallebb Cash $21.00 take yon longer mpay off your balance.For exam* Siatemeot Closing Date 04/17/2010 Days to Billing Cycle 31 Only MMaMioboum 21 $12,232.00 Payment years .. ...... _ _ ityou sorddlike information about credit taanseling services, call 1-77-302-1A75. --.._ . J10 St,iuS&W;ul',u kPer S1uauin^,.6ea ,.1111 Beginning purchases Extra w Rh us 0.00 in our sbres and m ane. Extra Savings earned outside ass Earn 1%Bare Savings to purchases Extra Savings Certificates sent moo everyw here else.Brety tirre you Nay balance 2.42 reacht0Bdra.Savings you wl8waive e cerlffbate fo$10off your naal . 0 2.5 5.0 7.5 10 _ - pAYMParT I3t1E BYS P.M�Tt ON--1736 DU6 DATE,ti,. k:., -2-.-�,, iroTnation my!q.lx!<ti3!latcPsyiqia�'�m9a,nett (dt elli�seel sefgeaeteu it8jrg.Rtgl,ISavdomef' - .. tatorrmtb¢ _ �. 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Descsi of Transaction or Credit - Amount 04/06 04.6. 2416407R31VIDDHRW NATIONWIDE 5)X30076129 HARRISRIRG 5.60 04/06. 04.06 24455011T43AQALD WAL-MART 01591 HARRISBURG PA - 13330 04/12 04/12 LATE FEE 309 i'inauc,Jives Gtira`_:ti:❑ Average Deily Corresponding RNANC ECHARGE Expiration- Daily Periodic ANNUAL Drs To Daily Transaction Date Balance Rate PERCENTAGE• Periodic Res RATE Rate Cash Advanco N/A $0.00 0.0801196 29.24% -50.00 $0.00 TOTAL RNANCE CHARGE:594.51 ANNUAL PERCENTAGE RATE for purchases is 29.24% ANNUAL PERCENTAGE RATE for cash advances is 29.2495. THE PERIODIC RATE SHOWN ON MISSTATEMENT MAY VARY. t.:aul:uldrr Nev•..ati i L•LOrm:dion YOURACCOUNF HAS 2 PAYMENTSDUE.PLEASE MAIL THE TOTAL MINIMUM PAYMENT DUE.PLEASE DIS8EGURD THIS MESSAGE IFTHETOTAL MINIMUM • .._.__....---._....-_—.. _PAYMENTDUE.HASALREADYRESNMAIlID.. ..-.- ..- .. .._.-....__._..-. 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AE CREDIT CARDHOLDER EVENT JUNE 4-6 RRATng aerie 7-ftt. aecom AE'Visa Card MARY Number ROTH 1818 Mottle stoma*service -044-134/65 CLsetvlr«1.866-913-a6s Smuu:u0 or A:eomt Ani0Its P;vmenl L mro,itton Previous Salaams $3,978.10 New Balance 54,08993 -Payments $25.00 LBNmumPaymeet This Period $17800 *FeesQtarged 539.99 Amount Past Dos $21200 rFinaaceQwrges $96.90 Total MiniowmPayment Due 839000 Payment Due Dan 06/12/2010 NewBalence 84,089.99 Late Payment Warning: It no do not receive your minim= dadit Until 8400.00 payment byt the dale estedabooa,yai may have lopay a AvaBa6le de81 OVF]i1.IMlT lam tee ttpto 839.99 ead yourAPRs may be increased t,to a�aib APR of29.249. ChM Limit 5800.03 Minimum Payment Warning Ryon make only the minimum Available Cash OYERIIIDIIT payment each period,you wilt pay more in Interest and it will Statement Closing Date 05/17/2010 take you longer to off your balance Par example Days in BBBngCycle 30 Only the Minimum 21 $12,250.00 . - payment years --_Iryou wandlike tntormatlon ahout credit counseling serviass, ....................•-- -._.... . ._..._.._ ...__ ----..__.. .__,..,.._.._.. _ -- -- call 1471_-302-8175. ._- --- Fsi ra So ins>mmm In Lee,,toor01,,.her,50000 Beginning balance 2A2 Parts 4%&traSavngs for pulchasee INtra Savings eamedwfth us 0.00 In out stores armdonli na Rua Savings sawed outside 0.00 Earn 1%Edna Savngs for purchases Extra Savings OartIn ates sent 0.00 everyw hem else.Beery thre you New balance 2.42 reach 10 Extra Savings you will receive acerdticate for$10 off your neat 0 2.5 5.0 7.5 10 D tinUEBYSPM4 .ON-TH5DMDA7b.-.., ,--,r. u' 5 �> � � —� .._.�4,+..G y @ePUno:mxiebcOriri4 � tt$ r im � ,w: i:w..� ?a:.r :i.:_ e- ;. _.0_ � , �Information —86{0 Cab 1 7 17 100517 XMAOR 1 of 2 5160 1000 0352 01808640 .a vo.,. . TM'--"''s^.d raff�::ismAL vaeeh..4r bards 49 .at'3'Oio i"'' - -I AMERICAN Account Number. 1818 AMERICAN - OUTFITTERS' V i E ITT RS $390.00 111111EIMIIIMI 06/12/2010 889.99 54.:9.99 wae►armr ----------- -- — ---- — � -_ ., 2. c ¢:a ‘...0- -,;;- DE Yam ,... ... . —' s-, - 1c; - .�,a3.. ;r-.". . k. -, E lstp,.'.a,-vim ey_,-, A payments in our gores Pay on-tine Newaddress or email?Print Qsanges on but - - - ---- at sworn MARY B ROTH FFFDAAFFTDDTDAPTAPADFFAATTDTDFFDATDDDFAFDFPFATFM'FATATDAFFFAAT ODA 5071 BASSIAKE DR APT 2012 AB0731348 HARRISBURG PA 17111-5918 T�PO BOX 9600�3 DDDTADDAAADDDFfATDFDTH DDAFAllDfTlAFAFADT 0 1 81803 • • • GoetommSerrvioerQw�or�u For mosie 6donnatlai.plewees§Metoetreemmteaonte hunt oitn4ablementl6des mmnareele 9*donfMs ' detente,pro5eUWdBty recnonIsamoIOa eeWM.*unsaya56emichmsli QRA t� }b:P.O.BoxOafMC3,El Paso,TX 19998.1 eigcorreaponOenterueendtoes. Paymeora:Send paresis ea lie addrms est:Ion Me rams portico d this statement or pay mepe. 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Post Dale Reference Number D G of Transaction of Credo Amount 05/12 05/12 LATEFEE '3999 Finance4'tor,,Ca1ct11aron Average Daily Carasposnang FINANCE CHARGE Expiration Daily .. .Patoth ANNUAL Due To Daily Transaction Date Helens Rate PERCENTAGE Periodic Fees RATE Rate Cesb Advance WA .:. 50.00 0.050119E 29.24% 50.00- 00.00 TOTAL RNANCE CHARGE:$96.90 ANNUAL PERCENTAGE RATE for purchases Is 29.2496 ANNUAL PERCENTAGE PATE for cash advances is 29.24% THE PERIODIC RATE SHOWN ON TFDSSTATEMENNT MAY VARY. catoi er N a s anal lhi o;n.,1 ion HAVINGTROUBIE PAYINGYOURACCOUNP7 OURFAUNCIALASSTSCANC EPROGRAMS MAY MEET YOUR NEEDS CALL USAT THE NUMBER LISTED ON THISSPATEMSNT. ,....#_�'�, ,'_ _ .. --- - s. .._._ _ ._ -- - -- ' �- - � . �.... Y..,�i* P:� s 4.a:_.iSE .- .� - .�� a u� r � h �y _. a.. t. , . zr. - .r. tit .� 8690 CUR 1 7 17 200517 %PAGE 2 of 2 5160 1000 0362 01868640 am m. 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N`L14T .1].'J.O'.'L•'...-.tTATN N O N NY�4 N'2 nh PRAECIPE FOR LISTING CASE FOR ARGUMENT ti > A s- (Must be typewritten and submitted in triplicate) r"°"� TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for thef c- -". Argument Court) -<= 'P_C C CAPTION OF CASE (entire caption must be stated in full) '� w PORTFOLIO RECOVERY ASSOCIATES, LLC vs. MARY ROTH No. 12 4098, Term 1. State matter to be argued (ie., plaintiffs motion for new trial, defendant's demurrer to complaint, etc.): 2. Identify all counsel who will argue cases: (a)for plaintiff(s): CARRIE A. BROWN, 120 CORPORATE BLVD, NORFOLK, VA 23502 (Name and Address) (b)for defendant(s): (Name and Address) 3. 1 will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: r_ Signature Carrie A. Brown t� Print your name PORTFOLIO RECOVERY ASSOCIATES, LLC .JAN 1120% Attorney for Date: INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR(not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 14 days prior to argument. 3. The responding party shall file their brief 7 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR(not the Prothonotary) after the case is relisted.0, i 1 r.t�,� 11-88883 �Q This communication is from a debt collector and is an attempt to collect a debt. s3� Any information obtained will be used for that purpose. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Portfolio Recovery Associates, LLC Plaintiff : NO. 12-4098 CIVIL TERM VS • A G ^:-r' Mary Roth - cam- Defendant Z� p -n RULE 1312-1 The Petition for Appointment of Arbitrators shall be substantially in the- Q following form: y — Tri G THE PETITION FOR APPOINTMENT OF ARBITRATORS TO THE HONORABLE, THE JUDGES OF SAID COURT: Robert N. Poles, ESQ , counsel for the plaintiff/defendant in the above action (or actions), respectfully represents that: 1. The above -captioned action (or actions) is (are) at issue. 2. The claim of plaintiff in the action is $4,736.52 The counterclaim of the defendant in the action is The following attorneys are interested in the case(s) as counsel or are otherwise disqualified to sit as arbitrators: WHEREFORE, your petitioner prays your Honorable Court to appoint three (3) arbitrators to whom the case shall be submitted. Respect submitt cliztatt. goit �c- ��/L) ORDER OF COURT colvA .5 t 14 ati'\ Q.ALA S(k6La 3b%33i AND NOW, , 20 , in consideration of the foregoing petition, Esq., and Esq., and Esq., are appointed arbitrators in the above captioned action (or actions) as prayed for. By the Court, KEVIN A. HESS, P.J. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Portfolio Recovery Associates, LLC: Plaintiff : NO. 12-4098 Mary Roth RULE 1312-1 following form: VS Defendant CIVIL TERM C) ..,-i C. .0" --Q r'' - 3 4... c',.. �c� irl z, — nom, cn ' p ..—{ c + --1a The Petition for Appointment of Arbitrators shall be substantially in th p -337 C:) . THE PETITION FOR APPOINTMENT OF ARBITRATORS TO THE HONORABLE, THE JUDGES OF SAID COURT: Robert N. Poles, ESQ , counsel for the plaintiff/defendant in the above action (or actions), respectfully represents that: 1. The above -captioned action (or actions) is (are) at issue. 2. The claim of plaintiff in the action is $ 4,736.52 The counterclaim of the defendant in the action is The following attorneys are interested in the case(s) as counsel or are otherwise disqualified to sit as arbitrators: WHEREFORE, your petitioner prays your Honorable Court to appoint three (3) arbitrators to whom the case shall be submitted. Rd -0m i%) Qo1(4i Jr Respect r� ; y submitt r ORDER OF COURT IL) AND NOW, 0 ' / 5 , 20,/ , in co sideration of the foregoing petition, i // , Esq., and 11/i, Esq., and / f I 12)21/ ..L Esq., are captioned action (or actions) as prayed for. Poon4-491,/.0 EeeovesytYl.s'c ! Wlr L p eC 14,14,7e1 71151m appointed arbitrators in the above sktiAststa 3b%33i PORTFOLIO RECOVERY ASSOCIATES, LLC, Plaintiff vs. MARY ROTH, Defendant : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA : CIVIL ACTION — LAW : NO. 12-4098 CIVIL ORDER AND NOW, this 2 y day of July, 2014, the appointment of Paul Primrose, Esquire, as a member of the Board of Arbitrators in the above -captioned case is VACATED. Bret Shaffer, Esquire, is appointed in his place. Kathleen Shaulis, Esquire Chairman Court Administrator :rim 7A.Of BY THE COURT, Kevin frzt(ci, ess, P. J. r N -71 rri Portfolio Recovery Associates, LLC In the Court of Common Pleas of Cumberland County, Pennsylvania No. 12 -4098 Civil Action – Law. Mary Roth Plaintiff Defendant Oath We do solemnly swear (or affirm) that we will support, obey and defend the Constitution of the United States and the Constitution of this Commonwealth a d that we will ej arge the duties of our office with fidelity. Kathleen K. Shaulis, Esq. Name (Chairman) Shaulis Law Office Law Firm P. 0. Box 1229 Address Carlisle, PA 17013 City, Zip fc'etri ignature Susan J. Hartman, Esq. Name Duncan and Hartman Law Firm One Irwin Row Address Carlisle, PA City, 17013 Zip Brett P. Shaffer, Esq. Name Baric and Scherer Law Firm 19 W. South Street Address Carlisle, PA City, 17013 Zip Award We, the undersigned arbitrators, having been duly appointed and sworn (or affirmed), make the following award: (Note: If damages for delay are awarded, they shall be separately stated.) /Ma akkiarco, zt 2. 1 224 .Arbitrator, dissents. (Insert name if applicable.) 1 Date of Hearing: September 4, 2014 g -j1</egr4o–uvt-4–A— Date of Award: September 4, 2014 )(ch-diri-riat) Notice of Entry of Award Now, the ji day of , 20 /4' , at /00,5' , A .M., the above award was entered upon the docket and notice thereof given by mail to the parties or their attorneys. Arbitrators' compensatio to be paid upo a : $ Vat, • 5V onotary By: Deputy ILEU-OFF tc:. OF THE PRDTHONOTAR'r 201t1 SEP kfl 10: 05 CUMBERLAND COUNTY PENNSYLVANIA a epg &Li -14,4 A. 61,'°°. gff Ceps v]/ed 4/4//,./ exc IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION — LAW PORTFOLIO RECOVERY ASSOCIATES, LLC : r:; 120 CORPORATE BLVD -An NORFOLK, VA 23502 : No. 12 4098r Plaintiff;-: r3 V. -= cv MARY ROTH - 602 MALLARD RD APT F k;, `-' ~ i CAMP HILL PA 17011 • �� ,) Defendant PRAECIPE FOR JUDGMENT ON THE ARBITRATION AWARD Kindly enter a Judgment on the Arbitration Award in the above captioned case against MARY ROTH, in the amount of $4,211.24. DATE: 7):/29// 11-88883 Robert N. Polas, Jr., Esquire, #201259 Carrie A. Brown, Esquire, #94055 Mark R. Garvey, Esquire, #312686 Gregory J. Babcock, Esquire, #205061 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 (T) (866) 428-8102 (F) (757) 518-0860 Attorneys for Plaintiff aMV4 II0.Sopd at C)* gqio a(o This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC : 120 CORPORATE BLVD NORFOLK, VA 23502 : No. 12 4098 Plaintiff v. MARY ROTH 602 MALLARD RD APT F CAMP HILL PA 17011 Defendant CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Praecipe for Judgment on the Arbitration Award upAi MARY ROTH, by First Class Mail, Postage Pre -Paid, a copy thereof on this day of 0a- , 2014, to: 11-88883 MARY ROT 602 MALLAR APT F CAMP H Robert N. Polas, Jr., Esquire, #201259 Carrie A. Brown, Esquire, #94055 Mark R. Garvey, Esquire, #312686 Gregory J. Babcock, Esquire, #205061 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 (T) (866) 428-8102 (F) (757) 518-0860 Attorneys for Plaintiff 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 Mary Roth Plaintiff Defendant In the Court of Common Pleas of Cumberland County, Pennsylvania No. 12 - 4098 Civil Action — Law. Oath We do solemnly swear (or affirm) that we will support, obey and defend the Constitution of the United States and the Constitution of this Commonwealth a d that we will,arge the duties of our office with fidelity. %r Signature ignature j Signature Kathleen K. Shaulis, Esq. Susan J. Hartman, Esq. Name (Chairman) Shaulis Law Office Law Firm P. O. Box 1229 Address Name Duncan and Hartman Law Firm One Irwin Row Address Carlisle, PA 17013 Carlisle, PA City, Zip City, 17013 Zip Brett P. Shaffer, Esq Name Baric and Scherer Law Firm 19 W. South Street Address Carlisle, PA City, 17013 Zip Award We, the undersigned arbitrators, having been duly appointed and sworn (or affirmed), make the following award: (Note:�If damages for delay+{ are awarded, they shall be separately stated.) I Cl i V\ i'7- 1 S CA�Gt rd..o.� ` 1 (. 224 Date of Hearing: September 4, 2014 Date of Award: September 4, 2014 Now, the day of .Arbitrator, dissents. (Insert name if applicable.) I Notice of Entry of Award , 20 /y , at /0:06' , fi .M., the above award was entered upon the docket and notice thereof given by mail to the parties or their attorneys. Arbitrators' compensatio to be paid upo : p' eal: $ 't//(, •S?' By: onotary TRUE COPY FROM RECORD In Testimony whereof, I here unto set my hand and the seal of said Court at Carlisle, Pa. This day of 20 . - Prothonotary /,� ' Deputy Department of Defense Manpower Data Center Status Resort Pursuant to Servicemenabers Civil. Relief Act. Last Name: ROTH First Name: MARY Middle Name: Active Duty Status As Of: Oct -07-2014 Results as of : Oct -07-2014 01:40:57 PM SCRA 3.0 On Active Duty On Active Duty Status Date _ Active Duty Start Date Active Duty End Date Status Service Component NA NA No NA This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date This response reflects the Individuals' active duty status based on the Active Duty Status Date Left Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA ... No :` NA This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date The Member or His/Her Unit Was Notified of a Future Call -Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA NA - - No . NA This response reflects whether the individual or his/her unit has received early notification to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. Y�. Mary M. Snavely -Dixon, Director Department of Defense - Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Fleporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL: http://www.defenselink.mil/faq/pis/PCO9SLDR.html. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 521(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: EEA94E92H005J10