HomeMy WebLinkAbout12-5413 _ r_...
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Darrell C. Dethlefs, Esquire H~ ~
ID # sssos 1~{2 AUt; 3p
Dethlefs-Pykosh Law Group, LLC AM ~r; ' ~ j
2132 Market Street c~~
Camp Hill, Pennsylvania 17011 COt~t~j'~`Y
Telephone - (717) 97s-9446 ~ Y~~~~ J,~
Fax - (717) 975-2309
ddethlefs@aol.com Atto ' ey for Plaint ff
AMERICHOICE FEDERAL IN THE COURT OF COMM N PLEA
CREDIT UNION CUMBERLAND COUNTY
Plaintiff, .
v. .
No.: 2012- ~~.3 V/ L
WALI T. THOMAS,
Defendant CIVIL ACTION -LAW
NOTICE
You have been sued in court. If you wish to defend against the claims set forth in the followi g
pages, you must take action within twenty (20) days after this complaint and notice are serv d,
by entering a written appearance personally or by attorney and filing in writing with the co
your defenses or objections to the claims set forth against you. You are warned that if you fail o
do so the case may proceed without you and a judgment may be entered against you by the co
without further notice for any money claimed in the complaint or for any other Maim or rel' f
requested by the plaintiff. You may lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DON T
HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. TH S
OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. F
YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE O
PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEG L
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYER REFERENCE SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 South Bedford Street
Carlisle, PA 17013 ~y
(800) 990-9108 10.E , ?S~ ~~~~J
~ ~ i3ii9
~~'~oi 6
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED V!?ILL BE US D
FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR
_
EL AVISO
Ustedes han sido demandados ante los tribunales. Si desea defenderse de las reclamacion s
establecen en las paginas siguientes, debe actuar dentro de los veinte 20 dias de$pues de es
denuncia y aviso sirven, introduciendo una aparicion escrita personalmente o pnr abogado y
presentar por escrito ante el Tribunal sus defensas o las objeciones a las reclamacion s
establecidas contra usted. Se advierte que si no to hacen el caso puede proceder sin ti y a
sentencia puede escribirse contra usted por el Tribunal sin previo aviso por cualquier dine o
reclamado en la denuncia o cualquier otra reclamacion o socorro solicitado por el' demandan .
Pueden perder dinero o propiedad u otros derechos importantes pars uste .
DEBE TOMAR ESTE PAPEL A SU ABOGADO A LA VEZ. SI NO TIENES UN ABOGAD ,
IR AL TELEFONO O LA OFICINA ESTABLECIDOS A CONTINUACION. ES~'A OFICIN
PUEDE PROPORCIONARLE INFORMACION ACERCA DE CONTRATAR A
ABOGADO. SI NO PUEDE PERMITIRSE CONTRATAR A UN ABOG~DO, ES
OFICINA PUEDE PROPORCIONARLE INFORMACION ACERCA DE ORGANISM S
QUE PUEDEN OFRECER SERVICIOS LEGALES A PERSONAS ELEGIBL,ES A
TARIFA REDUCIDA O NINGUNA CUOTA.
LAWYER REFERENCE SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 South Bedford Street
Carlisle, PA 17013
(800) 990-9108
SE TRATA DE UN INTENTO DE COBRAR UNA DEUDA Y CUALQUIER INFORMACION OBTENIDA E
UTILIZARA PARR ESE PROPOSITO. ESTA COMUNICACION ES DE UN COLECCIONISTA DE DEU A
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Darrell C. Dethlefs, Esquire ~
ID # 58805
Dethlefs-Pykosh Law Group, LLC
2132 Mazket Street
Camp Hill, Pennsylvania 17011
Telephone - (717) 975-9446 '
Fax - (717) 975-2309
ddethlefs@aol.com Attorney for Plaint ff
AMERICHOICE FEDERAL IN THE COURT OF COMM.. N PLEA
CREDIT UNION CUMBERLAND COUNTY
Plaintiff, .
v. .
No.: 2012-
WALI T. THOMAS,
Defendant CIVIL ACTION -LAW
COMPLAINT
AND NOW comes the Plaintiff, Americhoice Federal Credit Union, by and through its
attorneys, the Dethlefs-Pykosh Law Group, LLC, by Darrell C. Dethlefs, Esquire who files this
Complaint (the "Complaint") against Defendant, Raymond Ross, and hereby alleges as follows
1. Plaintiff is Americhoice Federal Credit Union, duly authorized to conduct business
within the laws of the Commonwealth of Pennsylvania, having a principal place of business
located at 20 Sporting Green Drive, Mechanicsburg, PA 17050.
2. Defendant, Wali T. Thomas, is an adult individual currently residing at 2284 Gleim
Drive, Enola, PA 17025.
3. On or about June 3, 2011, Defendant applied for a credit card from plaintiff. A true
and correct copy of Defendant's personal service application is attached hereto and Incorporate
by reference as Exhibit "A." Plaintiff has redacted personal data from Exhibit A. A none
redacted copy is available and will be provided.
_ i
4. A "Loanliner Application" was included as Exhibit "A1" to streamline the process i
for Defendant so the personal information was not filled out twice. Plaintiff has redacted
personal data from Exhibit A1. A none redacted copy is available and will be provided.
5. The credit card application was signed on June 3, 2011. See Exhibit "A."
6. The Loanliner application was completed on June 3, 2011. See Exhibit "A1."
7. Defendant has continued to use the credit card purchase goods, merchandise, and
services and to take cash advances.
8. Plaintiff has redacted personal data from the exhibits, however an unredacted copies
will be provided to Defendant.
COUNT I -BREACH OF CONTRACT
9. The averments contained in Paragraphs 1 through 8 above, are incorporated herein
reference thereto as though herein set forth at length.
10. Each month, pursuant to the terms and conditions of the cardholder agreement,
Plaintiff sent Defendant a monthly statement setting forth the charges and payments made, if
any, by Defendant and the applicable interest rate. A redacted true and correct copy of the
Defendant's most recent monthly statement dated August 16, 2012 is attached hereto and
incorporated as Exhibit "B".
11. Copies of all statements from July 2011 to the current statement are attached hereto s
"Exhibit "C". The July 2011 statement carried a beginning balance of $0.00 dollars. This was
also the first statement for this account.
12. Pursuant to the terms and conditions of the cardholder agreement, the Defendant wa
required to pay the total balance due or, in the alternative, the minimum monthly payment as
stated in the monthly Statements sent to the Defendant.
_ _ i
13. Defendant subsequently made periodic charges and payments on the account within ~
the last payment made on the aforementioned account occurring on June 6, 2012, in the amount
I
of $200.00.
14. Defendant breached the terms and conditions of the agreement between the parties b
failing to pay the balance due or make the required monthly payment.
15. The balance due and owing to the Plaintiff on the aforementioned credit card acco
as of August 16, 2012 was $10,254.46.
16. Pursuant to the cardholder agreement, the Plaintiff is entitled to continuing finance
charges on any unpaid balances as described in the cardholder agreement and set forth on the
Defendant's monthly statement.
17. Defendant has breached the terms of the cardholder agreement.
18. Although repeatedly requested to pay the principal balance and finance Charges by
Plaintiff, the Defendant has failed to do so to his detriment.
WHEREFORE, Plaintiff, Americhoice Federal Credit Union demands judgment be
entered against Defendant herein in the sum of $10,254.46 plus interest and costs.
COUNT II -UNJUST ENRICHMENT
19. The averments contained in Paragraphs 1 through 18 above, are incorporated herein
by reference thereto as though herein set forth at length.
20. Defendant used his credit card to purchase goods, merchandise, and services.
21. By making use of said credit card, the Defendant has had a benefit conferred upon
him through the use and enjoyment of those goods, merchandise and services purchased.
22. Defendant, despite requests to do so, has willfully failed to re-pay the Plaintiff the
amounts due as set forth in the monthly statements, attached as Exhibits "B" and "C" and as su h
_ T _ _ _ __r.__ 1
has improperly retained the benefit(s) conferred upon him without payment of value in return tq'
I
the Plaintif£
i
i
WHEREFORE, Plaintiff, Americhoice Federal Credit Union demands judgment be
entered against Defendant herein in the sum of $10,254.46 plus interest, costs and attorney's fe s
as more fully set forth in the Second Amended Complaint.
Respectfull s bmitted,
Dethlefs- ko h Law Group, LLC
Dated: ~ ! Z ~ ~ 12
Darrell .Dethlefs, Esquire
Attorney ID # 58805
2132 Market Street
Camp Hill, PA 17011
(717)975-9446
Attorney for Plaintiff
I
_ i
ga'r'
~.I AtmeriChoice ~ !
hu~,/c 1\I,t nctntt VIUaN A table that tnciudes required credit
iTUlldinT Aefnnunrrlpa For urn card disclosures is provided with this
2D Sportingg Groan Drive Appllcatlon.To obtain ariy change in the
Mechaanicrburg, PA 17050 re aired information since (t was r(nted,
717-&817-3474, aKt: 3524.800-2dD-A3fi4 q p
Fax: 717-59i-4898 • mtnvamericholce.org salt us toll-free at BDQ-24D-4364, Credit Card Application
!(A Ind(aldaalCredit: YautmrslcornpletetheApptloantsecUDneboutyoursel(andtheOU?ersetltonatmutyaurspotrseq:(1)youlh+alnorlheprD~nrty
pledged as cogakrat is locatnd in a community p roperry slate (Ah, At, CA, ID, !A, FJNi, NV,1X, WA, 4Ut); (2} your spouse ell) usr the accourah, or
(3) you are nriying I]11 your spouse's lnt~ma as a basis for repsyymeni. If you aro toying on income lrom agmany, child support, orsap~rate
malnlerstra:e, romptnte the Dtlrer section to the exlant•possibleabout thaparson an e~hase paymanlsyau are relying,
O Jolnl Cradll: Each nppgcanl must tndhridually campleta tl?a eppropr[ete sectEon hobw. If Co-tiorrov~er Is spouse a( the applicant, niar4c the
Ca-Appllcznt box D1;
Gaaraolar. Cncaplato Ilse Other secl(an it you are a:guarardoc on an accountRaan. t7 Crodlt Lim(t Requested: S Q.~a~
rwntErLeU • Ft.1• rnenq FCCODNr txn,IIen IfAn~ rltY • Frg •Mnltl) • AIx011rfi NUAI88Fl
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,tOgrGAGB SAVNC- rA01f1'IiY PAStiAENT t!ITEFL'6'r PATE I.fDrirGADE OAIn~'GE IAOIrT}iLY PA'rltENT INfEA_6r PkTE
s I~ S U Lr`l s l7 6 ~ Yo s s
Gp+Plb7E Fpn JO NT CRzD(T, fiECllrtE7 GREOT OR IF YOU LIVS t!1 A CaAUaJNITY GOt.IPCETE POA Jdl7i Ci16dT, fiERIrY:O CREDtr OR IPYOU LIVE UI A CONJl1fGTY
OPER IY 9T,tTE FgPEHtY BTATE
NA Mt D 1 RPIF.O 9h - •YA wm YAArtIfiD SEPARATED UruAAa7r IEO e'n . Dhtlord• WMc
EmplaymentllnGame ~ ~rl !4!f Em loymeh neomei
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ewwt~etr tt , or'rCal C'`fC ~i.ti~Cy" ElmrarEn
t7 EWI 14 1 HE +t GIEO n0 RIAD1tU S M I , OIfOi 1 •a
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eLV'L071hnrlr IAGapIE OT?!FJr al[xl.tfi EFAPCDYIAEIF4JGD1,~ DTNEn INfb4L
s `j 3, OGU PaJr ~~'CI Y' s Gtr PEn ~i'~1t~ s rER S neR
NE'r a aCfi N nt "a 7 NET GJt45S 5OUAC6
Stain Law hlatlces DNiD ftE9tDENTS DNLY: 1118 Dhin taus against advrrsrly atlect the rights of the Credit Unlar artless qla Cri!dii UNon h fum~Ired a
dfsarlminagon raquire that ott creditors make crtdit copy rl qle rgeeatnept, rletement Dr d~roe. or has aciuri knrwMdgn nt Its Ilam>s,
equagy nvaiinhla la all crcdgwarthy cuslomrrs and (hat ha era the crergt Ls gralded ar the.alxarmt Is rrprned. (2~ Waase sign U you a nsl
aodil report~g agrrlcles rtrahttdn se orate Ixedltiastolies on each lodivlr)ual upon applygig for Udr account or Vwn rJgh y~ sporuar, Tire Dradit haing appq tor, U
mquPal•. lire Otrlo C'~il Higlrls Carranisston admintsmrs comrAianca ~~dth Iles IoW. granWi, tYlil be Ira:urrrd in tpr itdarest of Iho matdzge rrWmgy o?lhr andrr ned_
WttiCOgSitit~b{11Et1TSDNLY: (1)Pbprouisionotonymarilalprapertyagrnamm~k
urdiateratahaenrentuadet6ucUon7n6.ti9,oreaundrerfiaunderSechnn76q.70wNt ~e
1. You pmrtpsa that avsryihkrgg you have elahtd in ddcappllpagon k, eerred to insured by NCUA
the hell al your Nnowledge.l(Ihare acre arty Irrryortinl changer you wdl nortty us 2 YaJ undererand drat the use of your card will eoasglnla sclmawla~pment
In Nrdthrg immediately. You aulhodza the Cradtt l)nion io obtain credli roports in of racnlpl and aDrenmanl la Ihn Inrrrlr a! the craAit aatd• agrorma t and
connecgon vdih tMs appgeation far crodtt and for arty uprlate,.lntxaase, renewal, d(sdJlsarcs. You grant us a securiy interest in ail 1ad141dna) and loin share
eldPalsian, or collacdad Df the credit resrfvnd. You understand that liar Credit andArr depasll accarnts you have wlgl us now and hr 1ha (nlurc to Beau a your
Unidn vJiq rely an the tntorrgatfon Ix thla appgf~Uon and your credit rrporttD rrtalle sred{t card accoanL~ Whao pDU are in delaull, you audrorim us to a ty Ihs
Its dadsion. U tutu raquenk thr Credit Unllrn rviq lellyou ihr nrme aad address halaaee in.lhase acerunis to any amaunls doe. 8hrras and deposl In an
of artir ualll huraau from which it received a eredtl report on yau. It m• a iaderdl Indlrhiual Hrdramant Account, and any other acaouDl prat rrauld lase ~peuial
crlrnr to r/gddiiy aJld dellberaloly provklr Incumpleie ar incorrect Inlormalion nn lax trcalmenl under state or ledernl law it given as security, ore not su eci to
Inan appgcatlona rnnda to fadtral credit untans Dr sinla chadered credq unions the security Inlarcsl yae have glurtn in your shares artd depfJSits.
:x ~ .~C,- t>;~ L ~ lr X-G~. ~ 7 - ~1i7rY1 ~ 1 3
APPI.F.x:rsAtcnAauaE afire omfipalWU'ru:rE aArIE
FOR
CREDrI•UNIDH PABVED rID.OF CA_90S~GpEOrr UMITB ~ OR TaAJW rIiJ Bc
USE OIiLY ? DEGL1Nep Cri=D'T C04W fITEEOn l0: N O.'FlLEi SIG1GtTUnE (1
. - - - - _ _ _ _ _ _ _ -°-'C'-rlelorh lain nr /
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ArnerlChoice
~T¦DTD~L CltDIT YNIDN
Building ReleUonshtps For Llfe
20 Sporting Green Drive
Mechanicsburg, PA 17050 VISA PLATINUM AND VISA PLATINUM PAtEO~ERRED
717-697-3474, ext. 3524.800-240-4364 CONSUMER CREDIT CARD At#REEMENT
Fax: 717-591-9695 • www.amer(cholce.org
in this Agreement, "Agreement" means this Consumer Credit Card Agreement. "Disclosure" means the Credit Card Account Opening Disclosure.
The Account Opening Disclosure is incorporated Into this Consumer Credtt Card Agreement and is part of the Agreement. In this Agreement the
words "you," "your," and "yours" mean each and all of those who agree to be bound by this Agreement; "card" means the Visa credit card and
any duplicates, renewals, or substitutions the Credit Union issues to you; "account" means your Visa credit card line-of-credit account with the
Gredlt Union; and "Credit Union" means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers
this Agreement.
1. USING YOUR ACCOUNT If you are approved for an account, the Credit Union will establish a line of credit for you. You agree that your
credit limit (s the maximum amount (purchases, cash advances, finance charges, plus "other charges")which you will have outstanding on your
account at any time. Unless disclosed otherwise, the Credit Union will not allow advances over the credit limit. if the Credit Uniori has a program
whereby it allows payment of advances that exceed your credit limit, subject to a fee, the Credit Union will provide you with notlue, either orally,
in writing, or electronically (noiwithstandingths requirements of the paragraph entitled "Statements and Notices") explaining your right to apt In
to the Credit Union's program whereby it will honor advance requests over the credit limit. In the event you opt (n to such a progrbm, you ogres to
the terms of such a program. You may request an increase (n your credit limit on~r by a method acceptable to the Credit Union. The Credit Unio
may increase or decrease your credit limit, refuse to make an advance and/or terminate your account at any time for any reason not prohibits
by law. If you are permitted to obtain cash advances on your account, we may, from time to time, Issue convenience checks to you that may b
drawn on your account Convenience checks may not be used to make a payment on your account balance. if you use a convenience check, it w{I
be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on your accaunlt for any reaso
and such refusal shall not constitute wrongful dishonor.
You may request that we stop the payment of a convenience check drawn on your account, You ogres io pay any fee imposed to stop a paymen
on a convenience check issued an your account. You may make a stop payment requsst orally, if permitted, or In writing. Your request must b
made wtth suffic(errt time in advance of the presentment of the check for payment to give us a reasonable opportunity to act on your reques
In addition, your request must accurately describe the check including the exact account number, the payee, any check number that may b
appilcable, and the exact amount of the chsck. If permitted, you may make a stop payment request orally but such a request will expire after 1
days unless you confirm your request in writing within that time. Written stop payment orders an; effective only for six (6) modlths and may b
renewed far additional six month periods by requesting in writing that the stop payment order be renewed. We are not requi fed to notify yo
when a stop payment order expires. If we re-credit your account after paying a check or draft over a valid and timely stop payment order, yo
ogres to sign a statement describing the dispute with the payee, to assign to us all of your rights against the payee or other holders of the chec
or draft and to assist us In any legal action. You agree to indemnify and hold us harmless from ail costs and expenses, inciudin~ attamey's fee ,
damages, or claims, related to our honoring your stop payment requsst ar in failing to stop payment of an item as a result of incorrect (nformatio
provided to us or the gEving of inadequate time to act upon a stop payment request.
2. USING YOUR CARD -You understand that the use of your credit card or credit card account will constitute acknowledgement of recei t
and agreerarent to the terms of the Credit CaM Agreement and Credit Card Account Opening Disclosure SDisciosure). You may use your car
to make :purchases from merchants and others who accept your card, The credit union is not responsib a far the refusal of any merchant r
financial institution to honor your card. If you wish to pay for goods or services aver the Internet, you may be required to prouide card numb r
security information before you wilt be permitted to complete the transaction. In addttian, you may obtain cash advances from rthe Credit Unlo ,
from other financial instltutlons that accep# your card, and from some automated teller machines (ATMs). (Not aq ATMs accept your card.) f
the credit union authorizes ATM transactions with your card, it will issue you a personal identification number (PIN). Ta obtain cash advanc s
from an ATM, you must use the PIN Issued to you for use with your card. You agree that you will not use your card for any transaction that s
Illegal under appilcable federal, state, ar local law. Even If you use your card for an illegal transaction, you will be responsible fo r ail amounts a d
charges incurred in connection with the transaction. If you are permitted to obtain cash advances on your account, you may also use your ca d
to purchase Instruments and engage in transactions that we consider the equivalent of cash. Such transacttons will be posted to your accou t
as cash advances and include, but are not limited to, wire transfers and money orders. This paragraph shall not ba interpreted as permitting r
authorizing any transaction that is Illegal.
3. PROMISE TO PAY -You promise to pay ail charges (purchases, cash advances, balance transfers, use of convenience checks ar any oth r
charge) made to your account by you or anyone you authorize to use your account. You also promise to pay all finance charges end other charg s
added to your account under the terms of this Agreement or another agreement you made with the Credit Union. If this is a ioint account, t e
paragraph on JOINT ACCOUNTS also applies to your account
4. PERIODIC RATES -The periodic rates appl~abls to purchases, cash advances, and balance transfers are disclosed on the Disclosure th t
accompanies this Agreement. Any penalty rate that may be Imposed for falling to make a payment by the payment due date is lalso disclosed n
the Disclosure. Any rate change will be made pursuantto applk;abfe law. If the rate for your account is variable, as indicated on jhe aecompanyl g
Disclosure, the rate charged on purchases, cash advances, balance transfers and any penalty rate will vary periodically a~ disclosed In t e
Disclosure accompanying this Agreement. The initial rate on your account for certain types of transactions may be an Introductory discount d
rats (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. if an Introductory Rdte applies to yo r
account, the rates and the period of time it will be effective (s shown on the Disclosure accompanying this Agreement. After the'' Introductory R to
period expires, the periodic rate will automat(caify increase to the rates that would ordinarily apply for that type of transaction based on the ter s
of this Agreement.
5. FINANCE CHARGES -New purchases posted to your account during a billing~cycle will not incur a finance charge far that billing cycle if y u
had a zero or credit balance at the beginning of that bailing cycle, or you paid the entire new balance on the previous cycle's billing statement y
the payment due date of that statement; otherwise a finance charge will accrue from the date a purchase is posted to your account. To avoid n
additional finance charge on the balance of purchases, you must pay the entire new balance on the btllfng statement by the payment due date of
t-tY013 0
CC 0
O CUNA MUTUAL GRW P,1991, 2006, D9, ALL RlfiHfS RESERVED MX 0
that statement. A finance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the billing
cycle in which the cash advance is posted to your account, whichever is later (transaction date).
The finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is computed by applying the
Periodic rate to the average daily balance of purchases. To calculate the average daily balance of purchases, we take the beginning outstanding
balance of purchases each day, add any new purchases, and subtract any payments and/or credits. This gives us the dally balance of purchases.
We then add all of the deify balances of purchases for the billing cycle together and divide the total 6y the number of days In the billing cycle.
This gives us the average daily balance of purchases.
For cash advances, the finance charge is computed by applying the periodic rate to the average dally balance of cash advances. Ta calculate the
average dally balance of cash advances, we take the beginning outstanding balance of cash advances each day, add in any new cash advances,
and subtract any payments and/or credits that we apply to the cash advance balance. This gives us the dally balance of cash advances. We then
add all of the daily balances of cash advances for the billing cycle together and divide the total by the number of days in the b1lNing cycle. This
gives us the average daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances.
6. FOREIGN TRANSACTIONS -Purchases and cash advances made in foreign currencies wiA be debited from your account in U,.S. dollars. The
exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa
from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa
Itself receives or the government-mandated rate in effect for the applicable central processing date. The exchange rate used on'the processing
date may differ from the rate that would have bean used on the purchase date or cardholder statement posting date.
A fee {finance charge), calculated in U.S. dollars, will be Imposed on all multiple currency foreign transactions, including purchases, cash
advances and credits to your account. A fee (finance charge), calculated in U.S. dollars, will be imposed on all single c~?rrency foreign
transactions, including purchases, cash advances and credits to your account. A foreign transaction is any transaction that yorj complete or a
merchant completes on your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. emlbassies or U.S.
consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement.
7. FEES - In addition to the periodic rate, the following additional fees may be imposed on your account. if applicable to your account, the fee
amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your account may also be subject td additional fee
as set forth on the Disclosure accompanying this Agreement.
a. Mnual Fee. if your account Is subject to an Annual Fee, the fee will be charged to your account upon the issuance of yourcard. Each yea
following, the annual fee will be charged to your account during the same month that you were first charged the fee. The fee will be charged eac
year untll your account is closed and paid In full.
b. Balance Transfer Fee. If your account is subject to a Balance Transfer Fee, the fee will be charged to your account when yeu transfer
balance fcom an account of another creditor to the account subject to this Agreement.
c. Cash Advance Fee (Finance Charge). if your account Is subject to a Cash Advance Fee {finance charge), the fee will be charged to you
account when you obtain a cash advance from an ATM, the Credit Union or other flr?anctal Institution.
d. Foreign7ransadion Fee (Finance Charge). If your account Is subject to a Foreign Transaction Fes (finance charge), a fee may be charge
to your account for transactions made outs[de of the United States or In a foreign currency.
e. Transaction Fee for Purchases. If your account Is subject to a Transaction Fee far Purchases, a fee will be charged to your account fo
purchases as disclosed on the Disclosure accompanying this Agreement.
t. Leta Pay0nent Fee. If your account is subject to a late Payment Fee, the fee will be charged to your account when you do not make th
required minimum payment by or within the number of days of the statement Payment Due Date set forth on the Disclosure accampany[ng th(
Agreemenl
g. Over-the-Credit Limit Fee. if you have elected the feature to allow your account to go over your credit Ilmit, we may charge you a fee s
allowed by law. However, in no case will we impose an over-the-limit fee except In the next two billing cycles unless you have obtained n
additional extension of credit in excess of such credit limit during each subsequent cycle or you have reduced the balance beloiw the credit li It
as of the end of each bil{ cycle.
h. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your account when a payment s
returned for any reason.
i. Statement Capy Fee. if your account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is ma e
in connection wish a billing error made by the Credit Union, a fee may be charged to your account for each copy of a sales draft or statement th t
you request.
j. Document Copy Fee. if your account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to yo r
account for each copy of a sales draft or statement that you request (except when the request is made in connection with a billing error made y
the Credit Union}.
8. PAYMENTS Each month you must pay at least the minimum payment shown on your eta#ement by the date specified ion the staterne t.
You may pay more frequently, pay more than the minimum payment or pay the total new balance in full. If you make extra or larger paymen s,
you are still required to make at least the minimum payment each month your account has a balance (other than a credit balance). Tha minimum
payment is 2.OOgo of your total new balance, or $25A0, whichever Is greater, plus the amount of any prior minimum payments'thatyou have of
made, all outstanding unpaid fees and charges, and any amount you are over your credit limit by the date specified on the statement. The Cre it
Union also has the right to demand immed(ate payment of any amount by which you are over your credit Ilmit.
9. PAYMENT ALLOCATION -Subject to applicable law, your pa manta may be applied to what you owe the Credit Union in any manner e
Credit Union chooses. However, In every case, in the event you make a payment in excess of the required minimum periodic payment, the Cre It
Union will allocate the excess amount first to the balance with the highest annual percentage rate and any remaining portion 1o the other balan e5
in descending order based on applicable annual percentage rate. We may accept checks marked "payment in full" or with words of similar eff ct
without losing any of our rights to collect the full balance of your account with us.
10.5ECURITY INTEREST -You grant the Credit Union a security interest under the Uniform Commercial Code and under any common I w
rights the Credit Union may have In any goads you purchase. If you give the Credit Union a specific pledge of shares by signing a separate pie ge
of shares, your pledged shares will secure your account. You may not withdraw amounts that have been specifically pledged to secure y ur
account until the Credit Union agrees to release all or part of the pledged amount.
_
i-- ,mncam ~ rs~ , s - . = ._i ~ s'F X0-`5= s":'s~~M.q~=='"r; 'a1~ ' ' F~ n _ e+
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Collateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never be considered as
security for this account, notwithstanding anything to the contrary in any other agreement.
11. DEFAULT -You will be in default if you fall to make any minimum payment or other required payment by the date that it 15 due. You will
be In default if you break any promise you make under this Agreement. You will be in default if you die, file for bankruptcy or become insolvent,
that Is, unable to pay your obligations when they become due. You will ba (n default ff you make any false or misleading statements In any credit
application or credit update. Yau will also be in default ff something happens that the Credit Union believes may substantially reduce your ability
to repay what you awe.
When you are in default, the Credit Union has the right to demand Immediate payment of your full account balance without giving you notice. If
immediate payment is demanded, you agree to continue paying finance charges at the periodic rate charged before default, until what you awe
has been paid, and any shares that were given as security for your account may be applied towards what you owe.
12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION -You agree to notify us immediately, orally or in writing, at
20 Sporting Green Drive, Mechan)csburg, PA 17050 or telephone 717-697-3474, ext. 3524 Monday through Friday B:00 a.m. - 4:00 p.m. EST,
800-433-0505 Monday through Friday 8:00 a.m. - 6:00 p.m. EST or 600-99i-4961 seven (7) days a week, 24 hours a day, of the loss, theft, or
unauthorized use of your credit card. You may be liable for the unauthorized use of your credit card. You will not be liable for unauthorized use
that occurs after you notify us of the loss, theft, or possible unauthorized use. You will have no Ilablllry for unauthorized purchases made with
your credit card, unless you are grossly negligent in the handling of your card. In any case, your liability will not exceed $50.00...
13. CHANGING OR TERMINATING YOUR ACCOUNT - As permitted by law, the Credit Union may change the terms of this Agreement and an
attached Disclosure from time to time. Notice of any change will be given in accordance with applicable law. If permitted bylaw sand specified I
the notice to you, the change will apply to your existing account balance as well as to future transactions.
Either you or the Credi# Union may terminate this Agreement at any time, but termination by you or the Credit Union will not affect your obllgatio
to pay the account balance plus any finance and other charges you awe under this Agreement. Your obligation to pay the account balance plu
any Finance and other charges you awe under this agreement are subject to all applicable laws and regulations regarding repaymedt requirements
You are also responsible for all transactions made to your account after termination, unless the transactions were unauthorized.
The card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit Unlo~~tt all cards upo
request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint account, the paragraph on JQiNT ACCOUNT
of this Agreement also applies to termination of the account.
14. CHANGING OR TERMINATING AUTHORIZED USERS -Upon your request, we may issue additional cards for authorized users that yo
designate. You must notify us in writing of any termination of an authorized user's right to access your account Your letter rhust include th
name of the authorized user and your account number and/or any subaccount number issued to the authorized user along with•the authorize
user's card and any convenience or other access checks Issued to the authonzed user. If you cannot return the authorized user's card or acces
checks and if you request your account to be closed, we will close your account and you may apply for a new account.
15. CREDT[ REVIEW ANO RELEASE OF INFORMATION -Yau authorize the Credit Union to investigate your credit standing when opening r
reviewing your account. You authorize the Credit Union to disclose fmformatlen~ regarding your account to credit bureaus and creditors wh
inquire about your credit standing. If your account Is ellglbte for emergency cash and/or emergency card replacement services,'and you reque t
such sero~es, you agree that we may provide personal information about you and your account that is necessary to provide you with t
requested serv(ce(s).
i6. RETURNS AND ADJUSTMENTS -Merchants and others who honor your card may give credit for returns or adjustments,; and they will d
so by sending the Gredit Union a credit slip which will be posted to your account. If your credits and payments exceed what yqu owe the Cred t
Union, the amount will be applied against future purchases and cash advances. If the credit balance amount is $1.00 or more, it will be refund
upon your written request or automatically after six (6) months.
17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS -The Credit Union may from time to time offer additional services to your account, su
as travel accident insurance, at no additional cost to you. You understand chat the Credit Union !s not obligated to offer such services and m y
withdraw or change them at any time.
18. MERCHANT DISPUTES -The Credit Union is not responsible for the refusal of any merchant or financial Institution to honor your card. T e
Credit Union is subject to etalms and defenses (other than tort claims) arising out of goods or services you purchase with the card if you ha e
made a good faith attempt but have been unable to obtain satisfaction from the merchant or service provider, and (a) your putchase was ma e
in response to an advertisement the Credit Union sent or participated in sending to you; or (b) your purchase cost mare than $50.00 and w s
made In your state orwithln 100 miles of your home.
19. JOINT ACCOUNTS - if this is a joint account, each of you will be Individually and jointly responsible for paying ail amounts owed under t is
Agreement This means that the Gredit Union can require any one of you IndividuaNy to repay the entire amount owed umderthis'AgreemenL Ea h
of you authorizes the other(s) to make purchases or cash advances individually. Any one of you may terminate the account acrd the terminati n
will be effective as to all of you.
2D. EFFECT OF AGREEMENT -This Agreement Is the contract which applies to all transactions on your account even though the sales, ca h
advances, credit or other slips you sign or receive may contain different terms.
21. NO WAIVER -The Credit Union can delay enforcing any of (ts rights any number of times without losing them.
22. STATEMENTS AND NOTICES -Statements and notices will be mailed to you at the appropriate address you have given the Credit Unl n.
Notice sent to any one of you will be considered notice to all.
23. SEVERABILITY ANO FINAL EXPRESSION -This Agreement and the Disclosure are the final expression of the terms and Conditions of y ur
account. This written Agreement and Disclosure may not be comtradicted by evidence of any alleged oral agreement. Should any part oft Is
Agreement or the Disclosure be found to be invalid or unenforceable, all other parts of this Agreement and Disclosure shall remain in effect a d
fully enforceable to the fullest extent possible under this Agreement.
24. COPY RECE{VED Yau acknowledge that you have received a copy of this Agreement and Disclosure.
_ I
25. GAMBLING TRANSACTIONS PROHIBITED -You may not use your card to initiate any type of gambling transaction.
26. PENALTY RATE DISCLOSURES - if applicable to your account, all rates foryour account, Including the rates for purchases, cash advances,
and balance transfers, will increase to the Penalty Rate when you meet one or more of the conditions as set forth in the Disclosure accompanying
this Agreement. Any rate Increases applied to your account are sub)ect to applicable notice requirements. Please refer to the Disclosure for
additlona! information regarding the Penalty Rate.
27. NOTICE TO UTAH BORROWERS -This written agreement is a final expression of the agreement between you and the Credit Union. This
written agreement may not 6e contradicted by evidence of any oral agreement
28, 7HE FOLLOWING IS REQUfRED BY VERMONT LAW - N071CE TO CO-SIGNER -YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU
ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DDES NOT PAY, 7HE LENDER HAS A LEGAL RtG1~7 TO COLLECT
FROM YOU.
Year Billing Rights: Keep this Document for Future Use
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What Ta Da If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:
AmeriChoice Federal Credit Union
20 Sporting Green Orlve
Mechanicsburg, PA 17050
You may also contact us on the Web: www.americholce.org
In your fetter, give us the following Information:
- Account information: Your name and account number.
- Dollar amount: The dollar amount of the suspected error.
- Descrfptton ai problem: If you think there is an error on your bill, describe what 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.
- At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.
You must notify us of any potential errors in writing [or electmnically]. 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.
What Will Happen Atter We Receive Your Letter
When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected th
error.
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.
While we (nvestigate whether or not there has been an error:
- We cannot try to collect the amount In question, or report you as delinquent on that amount.
- The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
- While you do not have to pay the amount in question, yeu an; responsible for the remainder of your balance.
- We can apply any unpaid amount against your credit limit.
After we finish our Investigation, one of two things will happen:
- 11 we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.
- It we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest acrd fees. We wU
send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay th
amount we think you owe.
If you receive our explanation but still believe your bill is wrong, you must write to us within 1D days teeing us that you still refuse to pay. If yo
do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the Warne of anyone to who
we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.
if we do not follow alt of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.
Your Rights if You Are Dissatisfied With Yaur Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit earl, and you have tried in good faith to correct th
problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.
To use this right, ail 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 price mus
have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or I
we own the company 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 accesse
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 purchase, contact us In writing [or electronically] at:
AmeriChoice Federal Credit Union
20 Sporting Green Drive
Mechanicsburg, PA 17050
www.americhoice.org
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we w(II 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.
AmeriChoice~ ~SpeNnp6nm0rrv~
M.ehaNeaburg,PA Ao6o
~.®rcnc.~r c.co,r unrou T1Td9T~Ta
Duifdinp flalarionshrpe For Llla 0003+0.438+ k
i
Appii~ation
individual Credit You must ctxnpleta the Applicant section about yourself and the Other section about your spouse If:
7, you Ihro in or the property pledged es caNeleral fc lpcaled In a community property slate (AK, AZ, CA, ID, [A, NM, NV, TX, WA, WI),
2. your spouse wtit use Iha acl~unt, ar
3. you a2 relying IRr yauT spouse's Income as a basis forrapaymenL if you are retying on income hnm alimony, child suppali, orseparale maintenance,
Ipmplele the Other sedlDn to the extent poaslble about the perspn.on whpsa payments you are relying.
Joint Credit loch Apptirnt must irldivfdually tx}mpfete the appropriate section below, If Co-Borrower Is spouse of the Applicant, mark the Ca-Applicant box.
Guarantor. Complete the Other section If you ere a guarantor an an accountrtoan.
Check below to Indicate the pa of accounts}and type of credit for which you are applying. Married Appileants may apply for a separate account
LOAN LINERAccounULoan: Individual X .lolnt
(lncludtng ATM/Qebft Card Access tD !hs Account if Ava!?atrle)
Amount Requested $10, DOD, 00
Purpo9P.lColiaterel: VISA Credit Card &ignature loan 5. CREDIT CARD APP
Repayment: ?Payrolt dedtRaon QCash ? MIWary Akotment ?Aubmatk Payment
PAYMEN'f"i?ROTECTION Are you Interested fn having your loan protected? (]Yes px No
If you answer "yes", then the credit union will disdosa the cost of this voluntary payment protection to
you. A separate elect}on which discloses the terms and oondltlons must be signed for protection to be
effective.
APPLICANT.. OTHE~t.';;:;i;'•;".';='l~:'~`r'1~'" QX CO•APPUCAHT ? SPOUSE ~ OTHER
.
NAME NAME.
THOAtA6 RDLDLNO t3RODP, LLC WALI T TH~1ltS
PASSWORD ACCOUNT ER PASSIAORD ACCOUNTNUMaER
5 N t1ERIS'rATE 6DCIALB NLW~R DRNER'SLICEN9ENUMSE y TE
i
A OFDEP DENTS EMAILADDRFBS ~ PAVULADDRE9S
0 0 0 D D D D o '0 0 0 0 0 D
BIRTH PATE HDA~ PHONE BUSMJESS PHONEIEXT. NpylE PHONE BL15a+E9S PHONE/EXT.
717-421-9595 717-889-8484
PRESEMADIXtESSI36we1-C0Y-Sl0le-ap) RENT P 1~-~F-61am-Zipl OyyN ENi
4902 Carlisle pike t}397 L nA RESOE cE 4902 GRLIBLS PI103 ff397 ATR D
Dlechanilsabu PA 17050 0 Months MECFIANIC5HDR6, PA 17D5D lZ t+loat s
PREVIOUSApDRESSISlre01-Clty-Slnte-71p) RENT PREVIOUSADOReSSIsgeN-Cly-6t01a_apt LrNN NT
R A R ONCE
D Months D MQnthe
COMPLETE FORJDIt+T CREO17, SECUReO CREDR OR IF YOU UVE IN A COMMUNITY COMWE'1'E FOR,I~NT CReDn', SECUREOCREDIT OR IF YOU UVE IN AcOMIAUNITY
PROPERTY STATE: PROPERTY STATE:
QMARRIEp ?SEPARATED ?Lk+AlARR1EDt91n0b-Dlvoimd-VAdmvutl) MARRIED ~BEPARATEO ~1xrMARR1E01&In01a-DWolcad-iMdonad)
EMPLQXMEPITIINCOIIIIE; EMpt•OfMENl`„•..tCO~IIE
ADaRess~ oFEQUITY FINANCIAL SOLUTIONS
EMPLOYER
311 INTERNATIOIJAL CIRCLE liCJ1TP VALLEY MD
TRLE/GRADE START PATE HOURS AT wORK TITLElGRAOE START GATE HOURS AT RK
D IT CONBIILTANT Ol/OI/1999 40
SUPERVISOR'S NAR1E IF SELF EMPLOYEp, TYPE OF 6USINE53 9UPERNSOR'a NAME IF ELF EMPLDYEO,TYPE OF 9USINE 5
NOTICE: AWMONY. CHILD 9lD'PORT, OR 6EPARATE MAINTENANCe INCOME NEm NOT aE NOTIC~ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME TEED NDr BE
REVEAL[O IF YL'xr DO NOT CHOOSE TO HAVB IT CON5KIERED. REVEAIeD IFYOU DO NOT CHOOSE TD HAVE IT COI+SIDERE4
EMPLOYMENTIA'COME QniERINCd14E EMPLOYMENTINCOME OTHER INCOME
$ D.OD Per Month g O.DO pet Meath g 7,011.00 p~• Month $ per Month
NET ?X GRO55 SOURCE NET GROSS SOURCE
MILITARY: IS OIrTY 9TATIW TRANSFER EXPECTEOOURING NEXT YFJ1R7 YE6 ? ND R11Ln'ARY:19 pUiY STATION TRANSFER EXPECTED OURINti HEXTYEAR7 YGS ? NO
YVFrERE ENDINOrSEPARATION GATE WI{QIE ENOINGISEPARA'n0N DAT-c
PREVIOUS EMPLOYER NAME ANO ADORE65lF EMPLOYED LE68 THAN SrARTIrrG PATE pREVIDl1S EMPLOYER NAME AHp ADOriE561F EMPLOYED LESS THAN STARTING GATE
FIVE YEARS FlVEYEARS
ENDING DATE ENDING GATE
REFERENCE;:.'~~:?_j`.~,~~ RELATION6HIP RF~FEHF.NCE'"::';?:'ci';':~~E. RELATIDN9HIP
NAME AND ADDRESS OF NFJVRF9T RELATIVE NO7 LIVING WITH YOU NAME AND ADDRESS OF NEAREST RELATIVE NOT UViNG WITH YOU
HDA1E PHONE
HOME PNONE
O GUNA IAUTUAL GROUP, 798D, 82, Oa, 06, D9, 9a, 7DIn•oa,07,09 ALL RIGHTS RESERVED PAGE 1 Axxoz9 II~sERy
A~
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GREOn'aR NAME OTHER THAN THIS CREOITUNION u~R~T pRF9Er4T BALANCE MONTHLY DwEO BY
WHAT YOU QW E, (Aaach adWaonal shoolt~) Irneecssary) HATE PAYMENT APPLICANT OTHER
S
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s
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UST ANY NAAAES UNDER WHICH YOUR CREOIT REFERENCES AND CREOtT HISTORY CAN DE CHECKED: TOTALS f 0.00 S o . OD
WFlATYOU•OWN,~.i~:,`,' LIST LOCATION OFPROP£RTYDRFINANCIALINSTRUnaN MARKEfVAWE pLEOOEDASGOLLATEAAL NE06Y
FOR ANOTHER LOAN APp ANr OTHER
S 0.00 YES NO X'
S D . OD YES NO X
S 0. DD YES NO
S D.DO YES NO ,l(.
S 0.00 YES NO X
S D , 00 YES NO X
S 0 , DD YFS ND X
S D.DD YES Nb X.
S O , OD YES NO X'
OTHF~ •1N111~ORlAA710N;dBQUI'~YOIJ~~ r i~~
„ „ ; . • tF YOU ANSWER "YES"TD ANY gUESr10N OTHER THAN OT, EXPLAIN ON AN ATTALHEO SNEEr APPLICANT OTHER
1. ARE YOQA US. CITILETJ OA PERMRNENT RESIDENT ALIEN? X X
Z DO YOU LtrARE1Tr1.Y HAVE ANY OUTSTANDING JUDGMENTS OR HAVE YOU EVER FRED FOR BANKRUPTCY, HAD A DEBT ADJUSTMENT PLAN
CONF1rtUNOER CHAPTER T3, HAD PROPERTY FOAEC405E0 UPON DR AEPOSSFSSED IN THE LAST T YEARS, Orr BEEN A PARTY IN A LAVJSUn7
IS YOUR aN:~IE LIKELY TD DECLINE IN THE NEXT TWD YEARS?
4. ARE YOGAxa~t,TAKER, CD•SIGNER OR GUARANTOR ON ANY CORN N07 LISTED ABOVE?
FOR WHOM (Naga of OWas Obtgatad aA t.ow+l: TD WHOM Wxma W GedlwrL
'S7AT,E;ISAIN•NDTIGES
?t' I OHIO RBSIDHNTTS ONLV: The Ohio la>'vs Credit Union Is fumished a copy of the agreement staternenl or decree, or has
• ~ ' ,:I"~'' agRlrl51 discrimination require that a0 creditors aduai knowledge of Ms terms, he(ore the credH Is granted or the account is
make credit equally available to aN uedllworlhy custatlBrS, and that credit opened, (2) Please st~r~II g you era not applyying tar ?hls Dccount or (aBn with
reposing agendas maMteln separate credit histories on each indfvklual upon your spouse. The ctedU beingg apptled for, If granted, well be incurred in the
request The Ohio CIv1i RlghtS Commission administers campilance >vlth this Interest of the marriage or famBy of the undersigned.
law.
WISCONSIN RESIDENTS ONLY• (1) No provision of any mrlrllal property X q6/o3/za11
agreement. unilateral statement uiu{er Section 788.59, ar court decree under
SactlaA i66.7D wNi adversely affect the rights of the Cradit tlnitxT unless the SIGNATUREFDRWISCONSW RE510ENZSONLY DATE
.ti:.i ::'i:jl:a jr,~!.: ••or'. ~:a ::1; ,l,. ~i:1':I ii!'~i7:::.1:'•r')1 :~1 .
You pramtsa that evetythfng you have stated in this applk:atlon is collect to the the Credit Union wiN rely nn the lnlonnallan In dds ap ALation a d your credit
hest of your Imawledge and that the shave lnfarmatlon is D complete Itstingg of rapes tD make IN dedslon. If yyou request the Credit UniaT te& yyou the
what you owe. 4f there are any Important changes you WIA rrodty us in wdiing name and address of any rredlt twreau tram wltlch it received a aed?t report
immediately. You authorize the Credit Unlan to ob[ain credit reports to on you. It ]s a federal crime to wiNfully and dapharutel pravkte ~tca!Ttpiete or
connectlan with this appppUcatlon for credit and for anyy update, increase, IncoRect Information on loan appllcaliDns made to federal credk unions or
renev+al, extension or cailedlDn of the credit received. Yau urxierstand that slate chartered credit unions Insured by NCUA,
X iSEALQ6/03/2011 X iSEALp6'i 03/2011
APPL~ANT'S SIGNATURE DATE OTHER SIGNATURE ATE
-
,
FOR ORED('f UNION`USE`ONLV„ • ,'I ` ,1~~.:.:1•
c:
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APPROVED LIMrrS: ~ , , ~ ~ BEFO '
DATE APPROVED SIGNATURE UNEOFCREOIT OTHER OTHER DEBT~~RAT1015CORE
DEN~O ~tE AFTER
;~tadverseAdWnluotkeseml 5 4 5 $a.DDS D.aootr o-Door
LOAN OFFICER COLIMENTS:
SIGNATURES:
X X
GATE DATE
PAGE 2 AxxazB KASEn1
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FA nca _ 1'o[nl lllnlma Payment Due OIOF6. ac
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cash Advnca¦ o.Oq Lats Paymaat Wralagl 3P Nc m uDT BBCgivB TODA
Pan Gorged IS.BO 1mtIMOH PAYlmf7 BY 7N8 D11T8 LILTED A8OVE. YDD HAY
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71.01
Bfli aLA1iCS 6 ]0,351./fi
Cra01c tlmic f1ln/mma Paylleot Naming, IL you sutra only she alaiawe payaanc
9 30,000.00 cb ppesled, yw plll pay more !n lptsnac and it v13I take yw lo[v]er co
Available Credit pay o[t ywr balaoCn. Fos eaaglnl
Awllabla Cash 0.00
o. oo IL yw naka m You will pay oLL cha ADd yeu rill and DD '
Arotmc Diapuced o.00
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btaceneac Ciocln Date using [Dla card and acntee:ent Sa alvnl[ wcal ot...
11~ Gys 1A Ollll 9 09/16/13 ¢8^11 ewth You pay...
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CORP 061380 971962201 THOMAS HOLDING GROUP LLC
THOMAS HOLDING GROUP LLC
WALI T THOMAS
Account Number: Statement Closing Date:
January16,2012
Summary of Account Activity Payment Information
Previous Balance S 9,900.79 New Balance $ 9,637.02
Payments - 189.00
Total Minimum Payment Due 5193.00
Other Credits - O.DO
Other Debits + 0.00 Payment Due Date 02/10/12
Purchases + 105.20
Cash Advances + 250.flfl Late Payment Warning: IF WE DO NOT RECEIVE YOUR
Fees Charged + 0.00 MINIMUM PAYMENT BY THE DATE LISTED ABOVE, YOU MAY
70.03 HAVE TO PAY A LATE FEE UP TO $25.
Interest Charged +
NEP7 BALANCE S 9,637.02 Minimum Payment Warning: If you make only the minimum payment
each period, you will pay more in interest and it will take you longer to
Credit Limit S 10,000.00 pay off your balance. For example:
Available Credit 362.00
Available Cash 362.00 If you make no You will pay off the Rnd you will end up
Amount Disputed 0.00 additional charges balance shown on this paying an estimated
Statement Closing Date 01/16/12 using this card and statement in about total of...
each month you pay...
Days in Billing Cycle 31
Only the minimum 19 year(s) X19,898.00
payment
Contact Information 306.00 3 years S 11,016.00
(Savings~S3,882.00)
Customer Service: (800) 933-0505
Report Last or Stolen Card: (717} 697-3979 If you would liY.e information about credit counseling services,
call (877)277-9932.
After Hours: (800) 991-9961
Please send Billing Inquiries and Correspondence to:
CUSTOMER SERVICE PO BOX 30995 TAMPA, FL 33630
Visit us on the web at:
www.e2CardInfo.com
Please Mail Yaur Paym€n-ts to: -
AMERICHOICE FCII PO BOX 9519 CAROL STREAM IL
60197-4519
NOTICE: CONTINUED ON PAGE 3
Page 1 of 2
+ PLEASE DETACH COUPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE - ALLOW 5 DAYS FOR MAIL DELIVERY - `
AMERICHOICE FEDERAL CREDIT ONION Account Number
20 SPORTING GREEN DRIVE
MECHANICSBURG PA 17050 - 2392
Check box to indicate
name/address change
on back of this coupon
AMOUNT OF PAYMENT ENCLOSED
Closing Date New Balance Total Minimum Payment Due Date
Payment Due
01/16/12 $9,637.02 $193.00 DZ/1D/12 $
THOMAS HOLDING GROUP LLC
WALI T THOMAS MAKE CHECK PAYABLE TO:
9902 CARLISLE PIKE X397 100995
MECHANICSBURG PA 17050 - 3079 '601979519198'
AMERICHOICE FCU
PO BOX 9519
'170503079026' CAROL STREAM IL 60197 - 9519
19 9719 6220 1009 6464 00019300 00963702 0
CORP 081380 971962201 THOMAS HOLDING GROUP LLC ~
100945
THOMAS HOLDING GROUP LLC
WALZ T THOMAS
Account Number: Statement Closing Date:
January16,2012
+ > + + + +
+ttiitt>+>+++i++t++t+++++i++r+>tttt+tt+ii##t+++tatt+t++++++++++++*+++*+t++t
* THE TOTAL FINANCE CHARGE PAID ON YOUR ACCOUNT DURING THE PAST YEAR WAS
* $ 195.97 +
+++;i#;++++i+t++++#it>#+t>++tii+++#++i++++i+++++iitt+#+i+++++t+++++i+++++++
MANAGE YOUR CARD ACCOUNT ONLINE. IT'S FREE! IT'S EASY! SIMPLY GO TO WWW.EZCARDINFO.COM AND ENROLL IN OUR
ONLINE SERVICE. YOU CAN REVIEW ACCOUNT INFORMATION, TRACK SPENDING, SET ALERT NOTIFICATIONS, DOWNLOAD
FILES, AND MUCH MORE. MANAGING YOUR ACCOUNT IS FAST, SECURE AND EASY WITH EZCARDINFO. ENROLL TODAY!
Transactions
Trans Date Post Date MCC Code Reference Number Description Amount
12/16 12/18 9819 24692161350000614200982 VIRGIN MOBILE USA $ 22.26
888-322-1122 VA
12/18 12/19 9816 29692161352000914622651 RCI*RINGCENTRAL,INC. 7.89
888-898-9591 CA
12/31 O1/D2 5912 29945002D01100922673899 CVS PHARMACY n2321 Q03 12.69
ENOLP. PA I
12/30 O1/OS 6010 79916372009123456789020 CASH ADVANCE 60.00
AMERICHOICE FCU
MECHANICSBURG PA
01/03 O1/DS 6010 79916372009123956789061 CASH ADVANCE 190.00
AMERICHOICE FCU
MECHANICSBURG PA
01/07 O1/OB 4819 29692162007000763796806 NONAGE *PRICE+TAXES 17.46
866-293-4357 NJ
01/13 01/15 9014 24692162013000431877969 MAGICJACK.COM PHONE 44.96
561-594-2190 FL
PAYMENTS, ADJUSTMENTS AND OTHERS
+ 01/03 O1/D3 6010 74719622003001K560 189.00-
PAYDIENT - THANK YOU
TOTAL PAYMENTS OR ADJUSTMENTS 189.00- _
Interest Charged
+ 01/16 01/16 79719622016651016069008 19.10
INTEREST CHARGE-PURCHASE
+ 01/16 01/16 79719622016919016064209 55.93
INTEREST CHARGE - CASH
TOTAL INTEREST FOR THIS PEA -~0=-$3-
2D12 Totals Year To Date
Total Fees Charged in 2D12 S 0.00
Total Interest Charged in 2012 $ 70.03
Interest Charge Calculation/Plan Level Information
Plan Description ICM1 Balance Subject Periodic Annual Percentage Interest Ending Balance
to Interest Aate Rate Rate (APR)2 Charge
CURRENT
PURCHASES G S 1,901.89 D.74172 8.90 $ 14.10
CA5H R $ 7590.58 0.7417$ 8.908 S 55.93
FEESl1NTEREST CHARGE $ D.00
TOTAL 8.908 S 70.03. $ 9,637.02
1 ICM Interest Charge Method: See reverse side of Page 1 for explanation.
2 Your Annual Percentage Rate (APR} is the annual interest rate on your account.
(V) = Variable Rate. If you have a variable rate account the periodic rate and Annual Percentage Rate (APR) may vary.
CORP 081380 471962201 THOMA5 HOLDING GROUP LLC
THOMAS HOLDING GROUP LLC
WALL T THOMAS Statement Closing Date:
Account Number: December16,2011
Summary of Account Activity Payment Information
$ 9,810.69 New Balance $ 9,400.79
Previous Balance
Payments - 1,7D0.00 X189.00
Total Minimum Payment Due
Other Credits - 0.00 O1/10/I2
Other Debits + 0.00 Payment Due Date
Purchases + 873.37
Cash Advances + 350.00 Late Payment Warning: IF WE DO NOT RECEIVE YOUR
Fees Charged + 0.00 MINIMUM PAYMENT BY THE DATE LISTED ABOVE, YOU MAY
66.73 HAVE TO PAY A LATE FEE UP TO $25.
Interest Charged +
NEW BAI..ANCE $ 9,900.79 Minimum Payment Warning: Zf you make only the minimum payment
each period, you will pay more in interest and it will take you longer to
Credit Limit $ 10,000,00 pay off your balance. For example:
Available Credit 599.00
Available Cash 531.00 if you make no You will pay off the And you will end up
Amount Disputed 0.00 additional charges balance shown on this paying an estimated
Statement Closing Date 12/16/11 using this card and statement in about total of...
each month you pay...
Days in Billing Cycle 30
Only the minimum 19 yearlsl 514,523.00
payment
Contact Information 299.00 3 years $ 10,746.00
(Savingse53,777.00)
Customer Service: (800} 433-0505
Report Lost or Stolen Card: (717) fi97-3479 If you would like information about credit counseling services,
call (877}277-9932.
After Hours: (800) 991-4961
Please send Billing Inquiries and Correspondence to:
CUSTOMER SERVICE PO BOX 30495 TAMPA, FL 33fi30
Visit us on the web at:
www.eZCardInfo.com
Please Mail Your Payments to:
AMERICHOICE FCU PO BOX 4519 CRROL STREAM IL
60197-4519
MANAGE YOUR CARD ACCOUNT ONLINE. IT'S FREE! IT'S EASY! SIMPLY GO TO WWW.EZCARDINFO.COM AND ENROLL IN OUR
ONLINE SERVICE. YOU CAN REVIEW ACCOUNT INFORMATION, TRACX SPENDING, SET ALERT NOTIFICATIONS, DOWNLOAD
FILES, AND MUCH MORE. MANAGING YOUR ACCOUNT IS FAST, SECURE AND EASY WITH EZCARDINFO. ENROLL TODAY!
NOTICE: CONTINUED ON PAGE 3
Page 1 of 2
+ PLEASE DETACH COIIPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE - ALLOW 5 DAYS FOR MAIL DELIVERY -
RMERICHOICE FEDERAL CREDIT UNION
20 SPORTING GREEN DRIVE
MECHANICSHURG PA 17050 - 2392
Check box to indicate
name/address change
on back of this coupon
AMOUNT OF PAYMENT ENCLOSED
Closing Date New Halance Total Minimum Payment Due Date
Payment Due
12/16/11 $9,900.79 $189.00 01/10/12 $
THOMAS HOLDING GROUP LLC
WALI T THOMAS MAKE CHECK PAYABLE TO:
9902 CARLISLE PIKE #397 100992
MECHANICSBURG PA 17050 - 3079 '601979519198'
AMERICHOICE FCU
PO HOX 4519
'170503079026' CAROL STREAM IL 60197 - 4519
19 9719 6220 l0D9 6969 0001890D 00940079 9
CORP 081380 9719622D1 THOMAS HOLDING GROUP LLC
100942
THOMAS HOLDING GROUP LLC
WRLI T THOMAS
Account Number:~_~ Statement Closing Date:
December16,2011
Transactions
Trans Date Post Date MCC Code Reference Numbez Description Amount
11/1B 11/20 5592 29692161323000867871538 SUNOCO 0003688920 5 20.70
MECHANICSBURG PA
11/18 11/20 9816 24692161322000651875423 RCI*RINGCENTRAL,INC. 7.89
888-898-4591 CA
11/19 11/20 5592 24495001323300290156351 TURKEY HILL X294 25.05
MECHANICSBURG PA
it/21 11/22 7399 29692161326000440053858 THE UPS STORE 0698 113.40
MECHANICSBURG PA
11/23 11/29 7299 24755421327153277705750 MLS CONNECT, INC 99.95
561-4707277 FL
11/24 11/25 5735 24692161328000162291739 APL*APPLE ITUNES STORE 9.95
866-712-7753 CA
11/29 11/27 5969 24259771329462081290025 FLATFEELISTING.COM 299.00
800-9777771 TX
11/25 11/27 7299 24506011329980008570247 NO VACANCY, INC 200.00
409-210-3120 GA
11/26 11/27 5200 24692161330000597771207 LOWES #02995* 18.02
PARKVILLE MD
+ 11/26 11/27 5542 2469216133000060093535D 24.05
GIANT 6263 ENOLA PA
+ 11/29 11/30 5542 24169071333998929177725 28.35
SHEETZ 00009622 YORK PA
11/28 11/30 6010 79916371333123456789024 CRSH ADVANCE 35D.00
AMERICHOICE FCU
MECHANICSBURG PA
12/DS 12/07 5592 24427331340060000017050 BUTTER'S FARM STRE #8 15.05
YORK PA 12/07 12/08 9819 24692161391000861306930 NONAGE *PRICE+TRXES 16.96 i
866-293-4357 NJ
PAYMENTS, ADJUSTMENTS AND OTHERS
+ 11/18 11/18 6010 797196213220D1K500 1,700.00-
PAYMENT - THANK YOIT
TOTAL PAYMENTS OR ADJUSTMENTS 1,700.00-
Interest Charged
+ 12/16 12/16 74719621350693350064005 12.65
INTEREST CHARGE-PURCHASE
+ 12/16 12/16 79719621350918350064200 59.08
INTEREST CHARGE - CASH
TOTPS, INTEREST FOR THIS PERIOD 66'73
2011 Totals Year To Date
Total Fees Charged in 2011 $ 0.00 i
Total Interest Charged in 2011 S 262.70
Interest Charge Calculation/Plan Level Information Interest Ending Balance
Plan Qescription ICM1 Balance Subject Periodic Annual Percentage Char e
to Interest Rate Rate Rate {APR)2 9
CURRENT
PURCHASES G $ 1,705.00 0.7917$ 8.90 S 12.65
A $ 7291.60 0.7917$ 8.902 S 54.08
CASH $ 0.00
FEES/INTEREST CHARGE g,90~ $ 66.73 S 9,900.79 ~
TOTAL
1 ICM Interest Charge Method: See reverse side of Page 1 for explanation.
2 Your Annual Percentage Rate (APR) is the annual interest =ate on your account.
{V) = Variable Rate. If you have a variable rate account the periodic rate and Annual Percentage Rate (APR) may vary.
i
CORP 081380 971962201 THOMAS HOLDING GROOP LLC
THOMAS HOLDING GROUP LLC
WALI T THOMAS
Statement Closing Date:
Account Number: November16,2011
Summary of Account Activity Payment Information
Previous Balance $ 9,205.63 New Balance 5 9,810.69
Payments - 185.00 ~i
Total Minimum Payment Due 5197.00
Other Credits - 5.55 12/10/11 Ili
Other Debits + 0.00 Payment Due Date
Purchases + 725.30
Cash Advances + 0.00 Late Payment Warning: IF WE DO NOT RECEIVE YOUA
Fees Charged + 0.00 MINIMUM PAYMENT HY THE DATE LISTED ABOVE, YOD MAY
70.31 HAVE TO PAY A LATE FEE UP TO $25.
interest Charged + ~
NEW BALANCE $ 9,810.69 Minimum Payment Warning: Ii you make only the minimum payment
each period, you will pay more in interest and it will take you longer to i
Credit Limit $ 10,000.00 pay off your balance. For example:
Available Credit 189.00
Available Cash 189.00 If you make no You will pay off the And you will end up
Amount Disputed 0.00 additional charges balance shown on this paying an estimated
Statement Closing Date 11/16/11 using this card and statement in about total of...
each month you pay...
Days in Billing Cycle 31
Only the minimum 19 year(s) 515,175.00
payment
Contact Information 312.00 3 years $ 11,215.00
(Savingsa53,960.00)
Customer Service: (800) 933-0505
Report Lost or Stolen Cazd- (717) 697-3979 Zf you would like information about credit counseling services,
call (877)277-9932_
After Hours: (800) 991-9961
Please send Billing Inquiries and Correspondence to:
CUSTOMER SERVICE PO BOX 30495 TAMPA, FL 33630
Visit us on the web at: ~i
www.eZCardInfo.com
Please Mail Your Payments to:
AMERICHOICE FCU PO BOX 9519 CAROL STREAM IL
60197-4519
- ~I
i
MANAGE YOUR CARD ACCOUNT ONLINE. IT'S FREE! IT'S EASY! SIMPLY GO TO WWW.EZCARDINFO.COM AND ENROLL IN OUR
ONLINE SERVICE. YOU CAN REVIEW ACCOUNT INFORMATION, TRACK SPENDING, SET ALERT NOTIFICATIONS, DOWNLOAD
FILES, AND tdUCH MORE. MANAGING YOUR ACCOUNT IS FAST, SECURE AND EASY WITH EZCARDINFO. ENROLL TODAY!
NOTICE: CONTINUED ON PAGE 3
Page 1 of 2 _
+ PLEASE DETACH COUPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE - ALLOW 5 DAYS FOR MAIL DELIVERY t
AMEAICHOICE FEDERAL CREDIT UNION Account Nu er
20 SPORTING GREEN DRIVE
MECHANICSBURG PA 17050 - 2342 Check box to indicate
name/address change
on back of this coupon
AMOUNT OF PAYMENT ENCLOSED
Closing Date New Balance Total Minimum Payment Due Date
Payment Due
11/16/11 $9,810.69 $197.OD 12/10/11 $
THOMAS HOLDING GROUP LLC
WALI T THOMAS MAKE CHECK PAYABLE TO:
9902 CARLISLE PIKE 9397 99882
MECHANICSHORG PA 17050 - 3079 '601979519198'
AMERICHOICE FCII
PO BOX 9519
'170503079026' CAROL STREAM IL 60197 - 9519
i
19 9719 6220 1009 6469 DOOI9700 00981069 3
i
i
CORP 081380 971962201 THOMAS HOLDING GROUP LLC
i
99882
THOMAS HOLDING GROUP LLC
WALI T THOMAS
Account Number:~.~i Statement Closing Date:
November16,Z011
Transactions
Trans Date Past Date MCC Code Reference Number Description P.mount 1
10/1B 10/19 4816 29692161291000082592318 RCI*RINGCENTRAL,INC. $ 7.89
888-898-9591 CA
+ 10/20 10/23 5542 29427331294710009331636 35.75
HESS 38921 ETTERS PA
10/26 10!28 5542 24692161300000168322352 SUNOCO 0363992895 22.50
MECHANICSBURG PA
10/2B 10/30 5200 246921613D1000912829D11 LOWES i1D2995* 923.97
PARKVILLE MD
10!31 11/O1 5200 29692161304000070787151 LOWES #02995* 87.73
PRRKVILLE MD
+ 11/02 11/03 5592 29692161306000592281567 21.75
GIANT 6263 ENOLA PA
11/02 11/03 5200 29692161306000612156210 LOWES #02995* 33.85
PARKVILLE MD
11/09 11/06 1799 29013391309020185000084 DESIGNER GLASS & MIRROR C 10.60
BALTIMORE MD
11/07 11/08 9814 29692161311000772859770 NONAGE *PRICE+TAXES 16.96
866-293-9357 NJ
+ 21/09 11/11 5542 24169071314498786729901 20.75
SHEETZ 00004622 YORK PA
11/12 11/19 7399 24912901317700338668695 AWEBER COMMUNICATIONS 19.00
215-825-2196 PA
+ 11/15 11/16 5592 29169071319498828100383 25.05
SHEETZ 00009622 YORK PA
PAYMENTS, ADJUSTMENTS AND OTHERS
11!02 11/03 5200 79692161306000612156553 CREDIT VOUCHER 3.77-
LOWES #D2995*
PARKVILLE MD
11/03 11/04 5200 79692161397000798932253 CREDIT VOUCHER 1.78-
LOWES #02995*
PARKVZLLE MD
+ lI/11 11/13 6014 7471962131700iK50D 185.00-
PAYMENT - THANK YOU
TOTAL PAYMENTS OR ADJUSTMENTS 190.55-
Interest Charged
+ 11/16 11/16 74719621320661320069001 17.87
INTEREST CHARGE-PURCHASE
+ 11J16 11/16 74719621320923320069209 -
TOTAL INTEREST FOR THIS PERIOD
?011 Totals Year To Date
Total Fees Charged in 2011 70.31
Total I $ 0.00
nterest Charged in 2011
$ 195.97
Interest Charge Calculation/Plan Level Information
Plan Description ICM1 Balance Subject
to Interest Rate Periodic Annual Percentage
CURRENT Rate Interest
PURCHASES Aate (APRlQ Ending Balance
CASH G Charge
A $ ?,909.36 0.7417$
FEES/INTEREST CHARGE $ 7069.93 0.7417$ 8.908
TOTAL 8.908 $ 17.87
1 ICM Interest Char a Method: $ 52 9g
2 Yout Annual Percentage Rate See reverse
(APR side of Page I for explanation. S 0.00
! is the annual interest 8'908 S 70.31
(V) Variable Rate. If rate on your account. S 9,810.69
you have a variable rate account the periodic rate and Annual Percentage Aate
(APR! may vary,
I
I
I
i
CORP 081380 971952201
THOMAS HOLDING GROUP LLC
TNOt'~-~ HOLDING GROUP LLC
WALL T THOMAS
Account Number;
Previous Balance SUrnr~arY of Account Activity Statement Closin
Payments Octob g Date:
er16,2011
Other $ 5,202,08 New Balance Payment Info
Credits O, p0 rmation
Other Debits _
Purchases 0.00 Total Minimum Pa $ g~205.53
Cash Advances + Yment Due
Fees Charged + 1.9990D7 Payment Oue Date $185.00
Interest Charged + 2000,00 Late Pa 12/10/Ii
NEW gALAN~E 0.00 MINIM 3'ment Warning: IF RE DD NOT
+ 58.77 ~ PAYMENT BY THE DATE LISTED RECEIVE YOUR
TO PAY A LATE FEE UP TO $25 ABOVE, YOQ MAY
Credit Limit
Available 8.205.63 Min'
Credit ~-mF iod ent Warnin you
5 10,000,0Q each g~ If make onl
Available Cash Pay off ~ YOU will pay more Y the minimum
Amount Dis 784.00 Your balance, in interest and Payment
Statem Closa For example: it will take you
ent
~n9 bate 794,Q0 longex to
Days in 8illin 0.00 If You make no You will
4 Cycle 10/16/ll additional char PaY aff the
32 each month card and stetementhinnabouthzs payi guaniestimated
You Pay.,. total of..,
Only the minimum
Customer Contact Info Payment IB Year(s)
Service: (8DD) 933-0505 rmati°n 519,213.00
Report Last 292,00
or Stolen Card: (717) 597-3474
3 yeaxs
AFter Hours; (8D0) ggl_ 5 10,523,00
Please send Billin 4861 If You would like lSavin s=
CUSTOMER SERVICE 9 Inqulraes and call information about credit counselin g 53,690 00)
Corres !877)277-4932.
PO BOX 309gS TAMPA Fondence to: 4 services,
FL 3363D
Visit us on the web at:
www,e2CardInfo,com
Plesse.Mail Your Payments to:
AMERICHOICE L•'CU PO SOX 4518
60197-9519 CAROL STREAM IL
MANAGE YOUR CARD ACCOUNT ONLINE, IT'S FREE! ST'S EASY! SIMFLY GO TO WWW.EZCARDINFO.COM AND ENROLL IN OUR
ONLINE SERVICE. YOU CAN REVIEW ACCOUNT INFORMATION, TRACK SPENDING, SET ALERT NOTIFICATIONS, DOWNLOp.D
FILES, ANp MUCH MORE. MANAGING YOUR ACCOUNT IS FAST, SECURE AND EASY WITH EZCARDINFO. ENROLL TODAY!
NOTICE: CONTINUED ON PAGE 3
+ PLEASE DETACH COUPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE °f 2
- ALLOW 5 DAYS FOR MAIL DELIVERY
_ .
AMERICHOICE FEDERAL CREDIT ONION
20 SPORTING GREEN DRIVE
MECHANICSBURG PA 17050 - 2392 Account Number
9719 6220 1009 6969
Check box to indicate
name/address change
Closing Date New Balance on back of this coupon
Total Minimum AbIOUNT OF PAYMENT ENCLOSED
Payment Due Date
Payment Due
10/16/11 59,205.63
5185.00 11/10/11
THOMAS HOLDING GROUP LLC 5
WALL T THOMAS
9902 CARLISLE PIKE #397
MECHANICSBURG PA 17050 - 3079 199913 CHECK PAYABLE TO:
'601979519198'
'170503079026' AMERICHOICE FCU
PO BOX 9519
CAROL STREAM IL 60197 - g51g
19 9719 6220 1009 6964 00018500 00920563 4
i
i
CORP 081380 971962201 THOMAS HOLDING GROUP LLC
194413
THOMAS HOLDING GROUP LLC
WALI T THOMAS
Account Number: Statement Closing Date:
October16,2011 i
Transactions
Trans Date Post Date MCC Code Reference Number Description Rmount
09/18 09/19 4016 24692151261000110963144 RCI*RINGCENTRAL,INC. $ 7.89
888-898-9591 CA 27 35 li
+ 09/19 09/21 5542 29927331263710004213299
HESS 38285 CAMP HILL PA
09/21 09/21 9819 29692161264000641808922 SPRINT *WIRELE55 100.00
800-639-6111 VA
09/26 09/27 4819 24692161259000782157274 NONAGE *PRICE+TAXES 17.26
866-293-9357 NJ
09/22 09/27 6010 79916371269123456789022 CASH ADVANCE 2,000.00
AMERICHOICE FCU
MECHANICSBURG PA
09/27 09/28 5039 29301371270118000100069 ARMSTRONG CABINET PRODUC 1,553.91
972-9738443 TX
+ 09/28 09/29 5592 29692161271000280291233 93.00
GIANT 6263 ENOLA PA
+ 10/O1 10/03 5592 29169071275998511282300 20.00
SHEETZ 00009622 YORK PA
+ 10/09 10/OS 5592 29169071277498530595268 23.95
SHEETZ 00004622 YORK PA
+ 10/06 10/07 5542 24169071279998599339905 22.95
SHEETZ 00004622 YORK PA
10(07 10!09 4819 24692161280000369506337 NONAGE *PRICE+TAXE5 16.96
866-293-9357 NJ
10/12 10/14 7399 29912901286700338664559 AWEBER COMMUNICATIONS 19.00
215-825-2195 PA
+ 1D/13 10/16 5542 24427331287710009199586 18.50
HESS 38921 ETTEAS PA
10/14 10/16 4899 24692161287000909557326 COMCAST OF CENTRAL PP. 75.00
800-COMCAST PA
Interest Charged
+ 10/16 10/16 74719621289667289069006 9'20
INTEREST CHARGE-PURCHASE
+ 10/i6 10/16 79719621289921289069206 49'57
INTEREST CHARGE - CASH
TOTAL INTEREST FOR THIS PERIOD 58.77
2011 Totals Year To Date
Total Fees Charged in 2011 $ 0.00
Total Interest Charged in 2011 S 125.66
Interest Charge Calculation/Plan Level Information
Plan Description ICM1 Balance Subject Periodic Annual Percentage Interest Ending Balance
to Interest Rate Rate Rate (APR)2 Charge
CURRENT
PURCHASES G S 1,290.61 0.7417 8.90 S 9.20
CASH A S fi682.83 0.79178 8.90 S 99.57
FEES/INTEREST CHARGE $ 0.00
TOTAL 8.90 $ 58.77 $ 9,205.53
1 ICM interest Charge Method: See reverse side of Page 1 for explanation.
2 Your Annual Percentage Rate (APR) is the annual interest zate on your account.
(V> = Variable Rate. If you have a variable rate account the periodic rate and Annual Percentage Rate (APR) may vary.
i~
I
I
CORP 081360 971962201 THOMAS HOLDING GROUP LLC
THOMAS HOLDING GROUP LLC
WALI T THOMAS
Account Number Statement Closing Date:
September15,2011
Summary of Account Activity Payment Information
Previous Balance $ 2,119.14 New Balance ~ 5,202.09
Payments - 355.D0
Total Minimum Payment Due NONE
other Credits - 0.00
Other Debits + 0.00 Payment Due Date 10/10/il
Purchases + 103.59
Cash Advances + 3310.79 Late Payment Warning: IF WE DO NOT RECEIVE YOOR
Fees Charged + 0.00 MZNiMUM PAYMENT BY THE DATE LISTED ABOVE, YOU MAY
28.57 HAVE TO PAY A LATE FEE OP TO 525.
Interest Charged +
NEW BALANCE $ 5,202.D9 Minimum Payment Warning: If you make only the minimum payment
each period, you will pay more in interest and it will take you longer to
Credit Limit $ 10,000.00 pay off your balance. For example:
Available Credit 9,797.00
Available Cash 4,797.OD If you make no You will pay off the And you will end up
P.mount Disputed 0.00 additional charges halance shown on this paying an estimated
Statement Closing Date 09/15/il using this card and statement in about total of...
each month you pay...
Days in Billinq Cycle 29
Dnly the minimum 15 year(s) 57,849.00
payment
Contact Information 165.00 3 years S 5,946.00
(savings=51,903.00)
Customez Service: (800) 433-0505
Report Lost or Stolen Card: (717) 697-3979 If you would like information about credit counseling services,
call (877)277-4932.
After Hours: (800) 991-4961
Please send Billing Inquiries and Correspondence to:
CUSTOMER SERVICE PO BOX 30995 TAMPA, FL 33630
Visit us on the web at:
www.eZCardInfo.com
Please Mail Your Payments to: _
AMERICHOICE FCII PO BOX 9519 CAROL STREAM IL
60197-9519
NOTICE; CONTINUED ON PAGE 3 - ,
Page 1 _°AyypW 5 DAYS FOR MAZL DELIVERY
LOPE e
Account N
PON AND RETURN PAYMENT USING THE ENCLOSED ENVE
SE DETACH CQU indicate
PLEA Check dress change
+ UNION Hamel this coupon
g'EDERAL CREDIT on back of
AMERICHOICE DRIVE AMOUNT OF PAYMENT ENCLOSED
20 SPORTING GREEN X050 - 2392
MEC};pNICSBURG PA 1
Payment Due Date
Tata1 Min~~
New Balance payment Due 10/10!11
Closing Rate T0:
NONE " MAyg CHECK PAYABLE
$5,202.09
I
09115111
G GROUP LLC 102'759 ~60i9?4519199' ~
THOMAS HOLDIN ~,gggICHOICE FCU
WALL T THOMAS 4519 IL 6019? - 9519
PIKE #397 _ 30'19 PCpg y STREAM
4902 CARLISLE 1'1050
MECHRNIC58URG PA
1
of?D5030~9026'
9.119 6220 1009 6464 OOOOOODO 00520209 9
19
i
CORP 081380 971962201 THOMAS HOLDING GROUP LLC
102759
THOMAS HOLDING GROUP LLC {
WALI T THOMAS
Account Number: Statement Closing Date:
September15,2011
MANAGE YOUR CARD ACCOUNT ONLINE. IT'S FREE! IT'S EASY! SIMPLY GO TO WWW.EZCARDINFO.COM AND ENROLL IN
OUR ONLINE SERVICE. YOU CAN REVIEW ACCOUNT INFORMATION, TRACK SPENDING, SET ALERT NOTIFICATIONS,
DOWNLOAD FILES, AND MOCH MORE_ MANAGING YOUA ACCOUNT IS FAST, SECURE AND EASY WITH EZCARDINFO.
ENROLL TODAY! I!
Transactions
Trans Date Post Date MCC Code Reference Number Description Amount
08/18 08/19 4816 24692161230000999975175 RCI*RINGCENTRAL,INC. S 7.89
888-898-9591 CA
08/18 08/19 7399 2991290123070033866169b AWEBER COMMUNICATIONS 19.00
215-825-2196 PA
08/21 08/23 5592 24299101239016485413322 KWIK FZLL 20.00
MECHANICSBURG PA -
OB/26 08/28 9900 29692161238000199693849 UNITED WATER*SPEEDPAY 8.95
717-564-3662 PA
DB/29 08/28 6010 74916371238123956789038 CASH ADVANCE 950.00
AMERZCHOICE FCU
MECHANICSBURG PA
08/27 08/29 5592 29927331290060000099059 BUTTER'S FARM STRE $54 28.75
YORK PA
08/26 09/01 6010 79916371243123456789023 CASH ADVANCE 1,355.00
AMERICHOICE FCU
MECHANICSBURG PA
08/29 09/01 6010 74916371243123956789064 CASH ADVANCE 850.00
AMERICHOICE FCU
MECHANICSBURG PA ~I
09/13 09/19 7399 24412901256700338662163 AWEBER COMMUNICATIONS 19.00
215-825-2196 PA
09/09 U9/19 6010 79916371256123956789035 CASH ADVANCE 600.00
AMERICHOICE FCU
MECHANICSBURG PA
09/12 09119 fifl30 79916371256123956789027 CASH ADVANCE 55.79
AMERICHOICE FCU
MECHANICSBURG PA
PAYMENTS, ADJUSTMENTS AND OTHERS II
+ 09/09 09/09 6010 79719621252041K5D0 355.00-
YMENT - THANK YOU
TOTAL PAYMEN _
Interest Charged
} 09/15
INTEREST CHARGE - CASH 04/15 79719621258931258069209
28.57
TOTRy INTEREST FOR THIS PERIOD
2011 Totals Year To pate 28,57
Total Fees Charged in 2011
S D,00
Total Interest Charged in 2011
S 66.89
Interest Charge Calculation/Plan Level Information
Plan Description ICM1 Balance Subject
to Interest Aate periodic Annual Percentage
CURRENT Rate Rate (ApR}Z Interest Ending Balance
PURCHASES Charge
CASH G $ 23@.22
A $ 3852.09 0.74176 8.906
FEES/INTEREST CHARGE 0.79176 $ 0.00'
TOTAL 6.9D6 $ 28.57
1 ICM Interest Charge Method: See reverse side of Page 1 far explanation,
Z Your Annual Percentage Aate (APR} is the annual interest rate an 8.90 $ D•00
$ 28.57 $ 5,202,09
{V} =Variable Rate, If your account.
you have a variable rate account the periodic rate and Annual Percentage Rate (APR} may vary,
j
`
_I
CORP 081360 971962201 THOMAS HOLDING GROUP LLC
THOMAS HOLDING GROUP LLC
WALZ T THOMAS
Account Number: Statement Closing Date:
August17,2011
Summary of Account Activity Payment Information
Previous Balance $ 6,903.15 New Balance $ 2,119.19 ~I
payments - 10,221.50
Total Minimum Payment Due NONE
Other Credits - 98.57
Other Debits + 0.00 Payment Due Date 09/10/11
Purchases + 3,239.51
Cash Advances + 2265.00 Late Payment Warning: IF WE DO NOT RECEIVE YOUR
Fees Charged + 0.00 MINIMUM PAYMENT BY THE DATE LISTED AHOVE, YOU MAY
31.60 HAVE TO PAY A LATE FEE UP TO 525.
Interest Charged +
NEW BALANCE $ 2,114.19 Minimum Payment Warning: If you make only the minimum payment ~
each period, you will pay more in interest and it will take you longer to
Credit Limit S 10,000.00 pay off your balance. For example:
Available Credit 7,885.00
Available Cash 7,865.00 If you make no You will pay off the And you will end up
Amount Disputed 0.00 additional charges balance shown on this paying an estimated j
Statement Closing Date 08/17/11 using this card and statement in about total of...
each month you pay...
Days in Billing Cycle 31
Only the minimum 9 year(s) 52,991.00
payment
Contact Information 67.00 3 years S 2,917.00 i
(Savings=5529.00)
Customer Service: (800) 433-0505
Report Lost or Stolen Card: (717} 697-3979 If you would like information about credit counseling services,
call (877)277-9932. I~
After Hours: (800) 991-4961
Please send Billing Inquiries and Correspondence to,
CUSTOMER SERVICE PO BOX 30945 TAMPA, FL 33630
I
Visit us on the web at:
www.eZCardInfo.com
Please biail Your Payments to:
AMERICHOICE FCU PO SOX 9519 CAROL STREAM IL j
60197-4519
NOTICE: CONTINUED ON PAGE 3
Page 1 of 3
+ PLEASE DETACH COUPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE - ALLOW 5 DAYS FOR MAIL DELIVERY -
AMERICHOICE FEDERAL CREDIT UNION Account Number
20 SPORTING GREEN DRIVE
MECHANICSBURG PA 17050 - 2392
Check bos: to indicate
name/address change
on back of this coupon
AMOUNT OF PAYMENT ENCLOSED ~
Closing Date New Balance Total Minimum Payment Due Date
Payment Due
08/17/11 52,114.19 NONE 09/10/11 $
THOMAS HOLDING GROUP LLC
W.=1LI T THOMAS MAKE CHECK PAYABLE TO:
9902 CARLISLE PIKE '#397 103123
MECHANICSBURG PA 17050 - 3079 '601979519198'
AMERICHOICE FCU ~
PO BOX 9519 ~
'170503D79026' CAROL STREAM IL 60197 - 9519
I
14 9719 6220 1009 6969 00000000 00211419 8
I
CORP 081380 471962201 THOMAS HOLDING GROUP LLC
103123
THOMAS HOLDING GROUP LLC
WALI T THOMAS
Account Number: Statement Closing Date:
August17,2011
MANAGE YOUR CARD ACCOUNT ONLINE. IT'S FREE! IT'S EASY! SIMPLY GO TO WWW.EZCARDINFO.COM AND ENROLL IN
OUR ONLINE SERVICE. YOU CAN REVIEW ACCOUNT INFORMATION, TRACK SPENDING, SET ALERT NOTIFICATIONS,
DOWNLOAD FILES, AND MUCH MORE. MANAGING YOUR ACCOUNT IS FAST, SECURE AND EASY WITH EZCARDINFO.
ENROLL TODAY!
Transactions
Trans Date Post Date MCC Cade Reference Number Description Amount
07/16 07/18 5200 2461093119B01'0182631B38 THE HOME DEPOT 4120 $ 50.37
MECHANICSBURG PA
07/17 07/18 5200 29692161198000528355525 LOWES ~02223* 122.88
MECHANICSBURG PA
07/18 07/19 4616 29692161199000786931232 RCI*RINGCENTRAL,INC. 7.89
868-698-9591 CA ii
07/19 07/19 5211 29935651200286008200399 SWISCO INC 32.18
856-283-0390 NJ
07/19 07/20 5039 29755421200162004114197 ABC SUPPLY 425 173.10
HARRISBURG PA
07/19 07/21 5592 29692161201000236695881 SUNOCO 0003765502 11.25
HARRISBURG PA
07/19 07/21 7513 24445001201200106586138 U-HAUL-HARRISBURG #81156 97.56
HARRISBURG PA
07/21 07/29 6010 79916371203123956789039 CASH ADVANCE 2,265.00
AMERICHOICE FCU
MECHANICSBURG PA
07/23 07/25 5732 29164071205941359216521 RADIOSHACK COR00120592 22.18
MECHANICSBOAG PA ~I,
07/29 07/25 5200 29692161205000069906107 LOWES dt02223* 24.85
MECHANICSBURG PA
07/26 D7/27 5231 29435651208200375100019 DILLSBDRG GLASS 180.00
717-932-2625 PA
07/30 08/01 5592 2992733121271D000219016 RUTTER'S FARM STORE'~3 15.75 I
YORK PA
08/09 08/14 5713 24692161221000519673715 AHHEY CARPET AND FLOOR 2,321.50 _I
HARRISBURG PR
OB/10 08/10 4819 29692161222000639983613 SPRINT *WIRELESS 125.00
800-639-6111 VA
OB/12 08/12 9899 24692161229000098149036 COMCAST OF CENTRAL, PA 100.00
800-COMCAST PA
,i
07/25 07/27 5311 74387751207009029051926 CREDIT VOUCHER 38.15-
SEARS ROEBUCK 2624
CRMP HILL PA
07/25 07/29 5039 79755921209152066530708 CREDIT VOUCHER 60.92-
RHC SUPPLY 425
HARRISBURG PA
+ 08/01 OB/O1 6010 79719621213001K500 7,900.00-
PAYrfENT - THANK YOU
+ 08/15 08/15 6010 74719621227001K500 2,321.50-
PAYMENT - THANK YOU
TOTAL PAYMENTS OA ADJUSTMENTS 10,320.07-
Interest Charged
+ 08/17 08/17 79719621229938229069206 31.60
INTEREST CHARGE - CASH
TOTAL INTEREST FOR THIS PERIOD 31.60
2011 Totals Year To Date
I
Total Fees Charged in 2011 $ 0.00
Total interest Charged in ZO11 S 38.32
Interest Charge Calculation/Plan Level Infozmation
Periodic Annual Percentage Interest Endinq Balance
Plan Description ICM1 Balance Subject Rate Rate {APA)2 Charge
to Interest Rate
CURRENT
PURCHASES G S 1,312.93 0.74173 8.90E 5 0.00
CASH A S 9261.10 0.7917E 8.90$ $ 31.60
CORP 081380 971962201 THOMAS HOLDING GROUP LLC
103123
THOMAS HOLDING GROUP LLC
WALI T THOMAS
Account Number: Statement Closing Date:
Auqust17,2011
Interest Charge Calculation/Plan Level Information... Continued
Plan Description ICM1 Balance Subject Periodic Annual Percentage Interest Ending Balance
to Interest Rate Rate Rate {APR)2 Charge
FEES/INTEREST CHARGE $ 0.00
TOTAL 8.90 $ 31.60 $ 2,119.19
1 ICM Interest Charge Method: See reverse side of Page 1 £or explanation.
2 Your Annual Percentage Rate (APR) is the annual interest rate on your account.
(V} variable Rate. If you have a variable rate account the periodic rate and Annual Percentage Rate (APR) may vary.
i
CORP 081380_971962201 THOMAS HOLDING GROUP LLC
THOMAS HOLDING GROUP LLC
WALL T THOMAS
Account Number: Statement Closing Dzte:
July17,2011
Summary of Account Activity Payment Information
Previous Balance $ 0.00 New Balance $ 6,903.15
Payments - 0.00
Total Minimum Payment Due 5139.00
other Credits - 75.52
Other Debits + O.DO Payment Due Date OB/10/11
Purchases + 1,571.95
Cash Advances + 5400.00 Late Payment Warning: IF WE DO NOT RECEIVE YOUR
Fees Charged + 0.00 MINIMUM PAYMENT BY THE DATE LISTED ABOVE, YOU MAY
6.72 HAVE TO PAY A LATE FEE UP TO $25.
Interest Charged +
NEW BALANCE $ 6,903.15 Minimum Payment Warning: If you make only the minimum payment
each period, you will pay more in interest and it will take you longer to
Credit Limit $ 10,000.00 pay off your balance. For example:
Available Credit 3,096.00
Available Cash 2,891.00 If you make no You will pay off the And you will end up II
Amount Disputed D.00 additional charges balance shown on this paying an estimated
Statement Closing Date 07/17/11 using this card and statement in about total of...
each month you pay...
Days in Billing Cycle 32
Only the minimum 17 year(s) 510,553.00
payment
Contact Information 219.00 3 years $ 7,891.00
(Savingsa52,662.00}
Customer Service: (800} 433-0505
Report Lost or Stolen Card: (717} 697-3979 If you would like information about credit counseling services,
call (877)277-4932.
After Hours: (800) 991-9961
Please send Billing Inquiries and Correspondence to:
CUSTOMER SERVICE PO HOX 30495 TAMPA, FL 33630
Visit us on the web at:
www.eZCardInfo.com
Please Mail Your Payments to:
AMERICHOICE FCU PO BOX 4519 CAROL STREAM IL
60197-4519
NOTICE: CONTINUED ON PAGE 3
Page 1 oz 2
+ PLEASE DETACH COUPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE - ALLOW 5 DAYS FOR MAIL DELIVERY - t
AMERICHOICE FEDERAL CREDIT UNION N= it
20 SPORTING GREEN DRIVE '
MECHANICSBURG PP. 17050 - 2392 ~
Check box to indicate
name/address change
on back of this coupon
AMOUNT OF PAYMENT ENCLOSED
Closing pate New Balance Total Minimum Payment Due Date
Payment Due
07/17!11 56,903.15 5139.00 OB/10/11 ~
THOMAS HOLDING GROUP LLC II'
WALI T THOMAS MAKE CHECK PAYABLE TO:
4902 CARLISLE PIKE #397 106737
MECHANICSBURG PA 17050 - 3079 'b01979519198' '
AMERICHOICE FCU
PO BOX 4519
'170503079026' CAROL STREAM IL 60197 - 9519
19 9719 6220 1009 6464 0001390D 00690315 4
CORP 081380_971962201 THOMAS HOLDING GROUP LLC li
106737 ~i
~I
THOMAS HOLDING GROUP LLC
WRI,I T THOMAS ~
Account Number: ~S Statement Closing Date:
July17,2011
M.~NAGE YOUR CARD ACCOUNT ONLINE. IT'S FREE! IT'S EASY! SIMPLY GO TO WWW.EZCARDINFO.COM AND ENROLL IN
OUR ONLINE SERVICE. YOU CAN REVIEW ACCOUNT INFORMATION, TRACK SPENDING, SET ALERT NOTIFICATIONS,
DOWNLOAD FILES, AND MUCH MORE. MANAGING YOUR P.000UNT IS FAST, SECURE AND EASX 41ITH EZCARDINFO.
ENROLL TODAY!
AMAZING RATE VISA BALANCE TRANSFER PROMOTION. SEE OUR WEHSITE FOR DETAILS.
Transactions
Trans Date Post Data MCC Code Reference Number Description Amount
06/25 06/26 7399 24323001176124821012352 POSTALUSA/ROBBIESISTBA $ 75.00
TIMONIUM MD
07/10 07/11 481b 29351781191035688903509 GODADDY.COM 171.90
480-5058855 AZ
07/08 07/13 6010 74916371193123956789031 CASH ADVANCE 900.00
AMERICHOICE FCU
MECHANICSBURG PA
07/12 07/19 5200 29610431194010181695077 THE HOME DEPOT 9120 162.39 ~
MECHANICSBURG PA
07/19 07/19 5211 29935651195286008902202 SWISCO INC 70.10
856-283-0390 NJ
07/13 07/15 5311 29387751195009032888164 SEARS ROEBUCK 2629 38.15
CAMP HILL PA
07/19 07/15 5039 29755421195161959274122 RBC SUPPLY 925 906.30
HARRISBURG PA
07/13 07115 6010 79916371195123956789021 CASH ADVANCE 5,000.00
AMEAICHOICE FCU
MECHANICSBURG PA
07/16 07/17 5200 24692161197000361068089 LOWES ,02223{ 198.66
MECHANICSBURG PA
PAYMENTS, ADJUSTMENTS AND OTHERS
07(14 07/15 4816 74351781195060599588679 CREDIT VOUCHER 75.52-
GODADDY.COM
980-5058855 AZ
TOTAL PAYMENTS OR ADJUSTMENTS 75.52-
Interest Charged
+ 07/17 07/17 74719621198999198064208 6'72
INTEREST CHARGE - CASH
TOTAL INTEREST FOR THIS PERIOD 6.72
2011 Totals Year To Date
Total Fees Charged in 2011 $ 0.00
Total Interest Charged in 2011 $ 6.72
Interest Charge Calculation/Plan Level Information
Plan Description ZCM1 Balance Subject Periodic Annual Percentage Interest Ending Balance
to Interest Rate Rate Rate (APR)2 Charge
CURRENT
PURCHASES G $ 209.22 0.79178 8.908 $ 0.00
CASH A $ 906.25 D.79178 8.908 $ 6.72
FEES/INTEREST CHARGE $ D.00
TOTAL 8.908 6 6.72 $ 6,903.15
1 ICM Interest Charge Method: See reverse side of Page 1 for explanation.
2 Your Annual Percentage Aate (APR) is the annual interest rate on your account.
(V) = Variable Rate. If you have a variable rate account the periodic rate and Annual Percentage Rate (APR) may vary.
_i
i
_r_
AMERICHOICE FEDERAL IN THE COURT OF COMMON PLEAS
CREDIT UNION CUMBERLAND COUNTY
Plaintiff,
v.
No.: 2012-
WALI T. THOMAS, .
Defendant CIVIL ACTION -LAW
VERIFICATION
I, Mark R. Beans, Assistant Vice President of Collections, AmeriChoice Federal Credit
Union hereby verify that the statements of fact made in the foregoing Complaint are true and
correct to the best of my personal knowledge, information and belief. I understand' hat any fal e
statements therein are subject to the criminal penalties contained in 18 Pa C. S. Section 4904,
relating to unsworn falsification to authorities.
Mark R. Beans
Assistant Vice President of Collection$
I ~ ~I1/ AmeriChoice Federal Credit Union
Date
- ~
AMERICHOICE FEDERAL CREDIT : IN THE COURT OF COMMON PLEAS
UNION, : CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
NO.: 2012-5413
V.
WALI T. THOMAS, : CIVIL ACTION - LAW
Defendant
ACCEPTANCE OF SERVICE
TO THE PROTHONOTARY:
I, Wayne G. Gracey, Esquire, Attorney for Wali T. Thomas, hereby accept service of the
Complaint that was filed at Action No. 2012-5413.
Date: /'9//0
?--
Respectfully Submitted,
A?* r-
Wayne G. Gracey, sq re
Gateway Executive Suites
6864 Susquehanna Trail South
York, PA 17403
Phone: (717) 818-4713
- - :X
r
rs
Darrell C. Dethlafs, Esquire
ID #58805
Dethbfs-Pyk~h Law Gawp, LLC
2132 AAarke# Street
Camp Hiq, Pennsylvania 17011
Telephone - (717) 975-9448
Fax - (717) 975-2309
'~
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~ LL' ~~
_ _
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:
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:m
='~°~"~""°"'`'""' _____ Attorney forPlaintifr
AMERICHOICE FEDERAL IN TH CE OURT OF COM ~ PLEAS
CREDIT UNION, :CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff, ,
v• :CIVIL ACTION -LAW
No.: 5413-2012- CIVIL
WALI T. THOMAS, ,
Defendants
P~AECIPE
TO THE PROTHONOTARY OF CUMBERLAND COUNTY, PENNSYLVANIA:
Please enter judgment in favor of the Plaintiff, AMERICHOICE FEDERAL
CREDIT UNION, and against the Defendant, WALT T. THOMAS, for failure to answer or
otherwise plead in the above captioned matter within twenty (20) days of the date of
service of the Complaint and enter judgment for:
Principle Balance: $10,254.46
Interest (through 11-14-12): $1922.71
Title Report $75.00
Court Costs $TBD
Late Charges: $759.00
Total: $13,011.17
$13,011.17 with interest, accruing at 6.25%, plus the costs of suit. The undersigned
certifies that a written Notice of intention to file a Praecipe for Judgment was mailed to
the Defendant on November 14, 2012 and copy of said Notice is attached hereto.
Dethleis- h Law Group, LLC
Date: (< " 2 ~ ' 12- By; _
Da 11 C. Dethlefs, Esquire ~, ~~ d ~(~
ID# 58805 /~• /
~i~2~
~g3 Sys
~((~-r~ t ~'l~~(
,~,.. ~_1[i ~~ itCfi~fiiC7t1 ~-~. r .iiv
zcTl~-~r~r: illl+~'t3°~3r?
AMERICH~JICE FEDERAL IN THE COURT OF COMMON PLEAS
CREDIT UNION, CUMBERLAND COUNTY, PENNSY~YANIA
Plaintiff
v. No.:2012-6413
WALT 7, THOMAS CIVIL AC'RON -LAW
,D~fi~arlt
~~
'I'U: W:iti "f. 'fh~~mos Wayne G. Grvcxy. Fayuirc
23134 Grim Urivr GaA~vr~y E.~ccxutivr Suitt,
~:nc~la. !'A i'I02S bSG4 Su.~gttdtanr~'frail Sottth
Yurl:. PA 17403
UATC: t')F N4TICF_: Ncweml~er 14.20!?
IMPORTANT NOTICE
Wall T. Ttwmas
clowaync G. Gt~ccy. Esquire:
Gttaeway E~cecettivr Suit
6864 Susyuehattaa Trail Svuth
York. PA 17443
YOti AItF, IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION
REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN (t0} DAYS
FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTgRED AGAINST'
YOU WITHOUT A HEARING AND Y4U MAY R,t}SE YOUR PROPERTY OR OTHEiz
1MPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT
ONCE. IF YOU 1,10 NOT HAVE A LAWYER OR CANNE>T' AFFORD ONE, GO TO OR
TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN CFT
LEGAL HELP:
CUMBERLANI! COUNTY LAWY>~R RERERRAL SERVICE
x LIBERTY AVENUE
CARLISLE, PA 174I3
(717) Z49 3i 6G
/~: «'ali ~I'. Thomas
2?S4 Glrim Drive
lnola.l'A 17025
wit w t ~-tA _ _ ~ r r c~~ *~
Wayrn• G. Gracry ):"squire Wali T. Thous
Gateway Executive Suites c%Wayne G. Graccy, F.squirr
6864 Susquehanna Trail South Gateway Cxrcutive Suits
York. PA 17403 6$6Susgttch~utna Trai[ South
York. NA 174(13
I~EsCI iA Uh NQTICtA: No~cmhrr 14, 3gt2
NOTICtA IMPORTANTE
ilS'I'I~D NO HA COMpLIDO CUN EL AVISO ANTERIOR PORQUE f1A
F~11: I'AI)t? EN 't'UMAR MEUIDAS RFQUERtDAS RESPEC'TC) A ESTE CASU. SI
ll~'i'{~I~ Nth AC'1'UA t)ENTRO DE DIEZ (Id) StAS DL'•SDE LA rL'CHA DC ES"I'A
Nt.)'I'IC`IA, f=S pt)SI13LE QUF UN FALLO SERIA RECi$TRADO CONTRA U$'t'!~0
StN t)NA At4UlENCIA Y tJS'fEt) POt)RIA PERDER SU PROI'tEDAU O O'fR05
I)Eltlal~lt)S IMPURTAN'('ES. USTED DEBE LLEVAR ESTA NOTICIA A Std
A13()(+A[X) EN SEGUIUA. St US't'ED 13i) TIENE ABOGADO p NO TtFNE CON
QIJF }'AGAR LUS SERVlC1AS DE UN AI30C,AD0. VAYA O LLAME A LA
QFtC'INA ESGR!'1'A A$A1U PARR AVERIGUAR A DONDI~: UST£D PUE:DE:
nRTENFR I..A AUYQA LEGAL.
CUMBEtZI.AND COUNTY I..AWY'EK REFERRAL SERVICE
2 LISEttTY AVENUE
CARLISLE, PA 17013
(717) 2~t9-3166
Date: ~ 1" r W" I Z
Respectf 1 Su6anitE`ed,
D8trt11 C. Dethlefs, Esquire
I.D. # 58805
Dethlefs-Pykosh 1..8w Group, LLC
2132 Market Street
Camp Hid, Per-nsylvania 11011
Telephone: 717-975-9446
Attorney for Plaintiff
r i-/ V
AMERICHOICE FEDERAL
CREDIT UNION,
Plaintiff,
v.
WALT T. THOMAS,
Defendants
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION -LAW
No.: 5413-2012- CIVIL
TO: Wall T. Thomas
2284 Gleim Drive
Enola PA 17025
Wayne G. Gracey, Esquire
Gateway Executive Suites
6864 Susquehanna Trail South
York, PA 17403
Wall T. Thomas
c/o Wayne G. Gracey, Esquire
Gateway Executive Suites
6864 Susquehanna Trail South
York, PA 17403
You are hereby notified that on _~~ 2012, the following Judgment has been
entered against you in the above-c ptioned case.
Default in rem Judgment in the amount o ~ rest, a gat 6.259/0,
plus the costs of suit.
DATE: ~ a-7 / ~ '~..,.
- Prothonotary
1 hereby certify that the name and address of the proper
person(s) to receive this notice is:
Wall T. Thomas.
A: 2284 Gleim Drive Enola PA 17025
Wayne G. Gracey, Esquire
A: Gateway Executive Suites, 6864 Susquehanna Trail South, York, PA 17403
Wall T. Thomas c/o Wayne G. Gracey, Esquire
A: Gateway Executive Suites, 6864 Susquehanna Trail South, York, PA 17403
Por este medio se le esta notificando que el , 2012, eUta siguiente
Fallo ha sido anotado en contra suya en el caso mencionado en el epigrafe.
Default in rem Judgment in the amount of $1 011.17 with interest, accruing at 6.25%,
plus the costs of suit.
FECHA:
Protonotario
..
Certifico que la siguiente direction es la del defendido/a
segun indicada en el certificado de residencia:
Waii T. Thomas.
A: 2284 Gleim Drive Enola PA 17025
Wayne G. Gracey, Esquire
A: Gateway Executive Suites, 6864 Susquehanna Trail South, York, PA 17403
Walr T. Thomas c/o Wayne G. Gracey, Esquire
A: Gateway Executive Suites, 6$64 Susquehanna Trail South, York, PA 17403
Abogado del Demand ante
Dethlefs- w Group, LlC
Date: ~ ~ ^ 2 G - ~ Z By:
Darrell C. Dethlefs, Esquire (#58805)