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Home My WebLink About12-6862COMMONWEALTH OF PENNSYLVANIA COURT OF COMMON PLEAS Judicial District, County Of CUMBERLAND NOTICE OF APPEAL FROM MAGISTERIAL DISTRICT JUDGE JUDGME COMMON PLEAS No. ~ ~ g ~ a ~ u ~ 1 NOTICE OF APPEAL Notice is given that the appellant has filed in the above Court of Common Pleas an appeal from the judgment rendered by the Magisterial District Judge on the date and in the case referenced below. NAME OF APPELLANT MAG. DIST. NO. NAME OF MOJ AMANDA D HENNE 09-1-03 RICHARD S. DOUGHERTY ADDRESS OF APPELLANT CITY STATE ZIP CODE 94 QUEEN AVENUE ENOLA PA 17025 DATE OF JUDGMENT IN THE CASE OF (P/afntilQ (DefendanQ' 10/17/2012 ASSET ACCEPTANCE, LLC ~g AMANDA HENNE DOCKET No. SIGNA RE OF APPE T RNEY OR AGENT CV-0000242-2012 This block will be signed ONLY when this notation is required under Pa. I ppe/ant s laimant s ~'a. R. .P.D.J. No. 1001(6) in action R.C.P.D.J. No. 10086. This Notice of Appeal, when received by the Magisterial District Judge, wil before a Magisterial District Judge, A OMPLA/NT MUST 8E FILED operate as a SUPERSEDERS to the judgment for possession in this case. within twenty (20) days after filing the NOTICE of APPEAL. Signature o/ Prothonotary or Deputy PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE (This section of form to be used ONLY when appellant was DEFENDANT (see Pa.R.C.P.D.J. No. 1001(7) in action before Magisterial District Judge. IF NOT USED, detach from copy of notice of appeal to be served upon appellee. PRAECIPE: To Prothonotary Enter rule upon ASSET ACCEPTANCE, LLC appellee(s), to file a complaint in this appeal Name of appellees) (Common Pleas No. OJ - I r. 0 )within twenty (20) days a r service o I r er entry of judgment of non pros. ignat o pelta or attorney or agent JAMES V. NATALE, ESQ. RULE: To ASSET ACCEPTANCE, LLC ,appellee Name of appellees) (1) You are notified that a rule is hereby entered upon you to file a complaint in this appeal within twenty (20) days after the date of service of this rule upon you by personal service or by certified or registered mail. (2) If yorJ do not fife a complaint within this time, a JUDGMENT OF NON PROS MAY BE ENTERED AGAINST YOU. (3} They date of service of this rule if service was by mail is the date of the mailing. Date: 11 Q. 20 , tf l~`~:a ~,~~S~~;.~~~ ,,. p,1„{~~~~~ Signature o/ rotho t or Deputy YOU MUST INCLUDE A COPY OF THE NOTICE ~~~~QQI>jll~WT~FRANSCRIPT FORM WITH THIS NOTICE OF APPEAL. ll~• AOPC312-05 ^~~ ~ga$a ~-~aaa~ ~ COiro>'y1rJ'~~fEAL i ~ C'= Flrt`e~iSY:_VANiA CG~~v s Y OF CL1Pr1~GRLP.i~L' Fax: Oct 26 2012 02:04pm P002/004 :. . ~ notice ~~ Jud~~tne€1tv'~ran~~r;p~F a~~~:~ ~a$~ ---- --- 1r,g. List. tio: ~D~-G9-i-~^,3 ~,I:`I~,j i~;aT®: i-!OriCf2`ri8 RIC!la"L'~ S". vOU9hL?':~l F~.;;dress: 98 South ~,cla ~r~ve. Suite 1 croia. ~~, ' 7C25 eiep~cne: 717-728-28^5 Ar,~nda d Her:^e 9~ ~'cJea"? Ave ~noie. PP. 17G2~-2337 tiispaS9t3crt Sutr:;i'tary ^cck2~ ~efl 'J!J-vy' C3-CV-OC~CC242-2C1 t .;t~dget'tent Surt?ntary Fa:'tici~a ni f.ssetA~ceptarce. LLC p~il~ Asset Ac^.eptance, LLC AY!anda D Henne J in+ y~~; Liabiii!ti ind.•vid::al Lia,i~iiity SG.CO 57;@49.29 sa.oo ~c.~e Asset Acce~~'arice; LLC V. Aira~!da. ~ i,e,~!r:e lacitei tic: MJ-38":03-~V~G~GC24?-2~t2 ~as2 Fiied: $J9r'2G?c RisctGBiti~JT3 t iscositior: Date Default Judg^~e~: fcr Pia!n:!u ~ Vii' 7,~,^„ 2 F~:-t-i QJ~4 's?, S4$, 29 Sv^.~G .iud~;renti3eteit ;-PostJ;dg.,anti ~":~e Teiter of F,ssst Acceptance, LLC vs. Amanda C Henre or 1C/17/20'!2 theud5mer~t was a~n~arded aS fJ!:CYNS: Ju~g~e~ttCor-~ o~ r; .io'sn 5 ve~ptt Liabii_ It~ciEVtc€ua! LiaSii;ty Deposit sited Amoy Civil J~~ay^^me^; 50.00 $7.528.46 Fiiirg Fees ~ - 57.528.40 SCAO S ~ a3.6C S? 33.^n !Merest SC.OG $ .57.83 S7 ~-.8~ Grand Totai: X7,349,"e$ P.?~Y PAFcTY ?-iAS I HE Riu~-iT TG APPEAf.. iNiT?iliV 30 DAYS AFTER TKL ENTRY C= JUDGiwiENT 8Y Fi~iieG :. vOTlCE OF k?PEAS krJ~:y Tn~ PROT1r0?~OTA4YlCLER'rc CF COJRT OF G4iVIAt10N PLEAS,riVIL Di.l?S;C~Y. YCU MUST i?VCLUQE A OYY Gr~ T H"sS ~;CTiCE O~ J:sDGS~?EP~TI:RA~iS^R!rT FCRNI IFliT}i YO~,~~i NCTICE OF APPEAL. EXCi;PT AS OTHERiA!?SE ?ROWDED i1i THc RULES dF C[LIL FRGCEDURE FCR PfiAGiS7ER?AL DiSTRi;;T .:URGES; iF -NE uLJ,i.SEtiT aiCLD=R ELECT3 TC i=PlTerZ T}iE JUDGUrEhT ft~E THE COt]RT CF COMNiOtV PLEAS, ALL Fi1RTi-!ER PROCESS ie3.iST CCP~tE FRGE`~: T?'c G:,:Sr~.T C= GO!1~$QO~! PLEAS AHD lt3~J FURTHER PROveSS It+IRY BE ISSUED SY THE t~AGISiERIAL GS?STRiGT JuDGc. ~~;tiLESS TyE 3UDGiyiEN? ig =i~TERr=i3 ?t~ THE .;OURT OF GOFAMOk PLrc:,S, A~FYOHt !i~fTERESTEO Eft THE JUD3~tEi~T i~!AY FILE A RE~::EST FCR CitiTRY PF SATISFACTlO,: vYli?-i THE 6~tAGtSTER{AL D3STF7?CT JUCGE iF THE .i:1DG~5ENT DE@TOR PAYS tiV F:iLL. SET"'ic=. OR rJTI-icR'llts$E GOPiPLiES ~4iTH YHE J~~Gt~iE~yT. ,~~fi ro ~ .~ h^h rJ~te a trig and correct copy c~ the record cf the oraceec ~,,... ~ ~~ r.L~~ L ~nay~a,ei~ai e.ioaen4l JUGSe R!GfiarO S. U~.Ugner!V • ' ~_^; ",f -r .~.~, P !_' t~ ~_it~ rtt~ G~V~-; I fM1 \~ 1 P ,_t tf`v Yr'~ t PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT (This proof of service MUST BE FILED WITHlN TEN (10) DAYS AFTER filing of the notice of appeal. Check applicable boxes.) COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ; ss AFFIDAVIT: I hereby (swear) (affirm) that I served ® a copy of the Notice of Appeal, Common Pleas No.12-6862 CIVIL, upon the Magisterial District Judge designated therein on (date of service) 11/13, 2012, ^ by personal service ® by (certified) (registered) mail, sender's receipt attached hereto, and upon the appellee, (name) ASSET ACCEPTANCE. LLC, on 11/13, 2012 ^by personal service ® by (certified) (registered) mail, sender's receipt attached hereto. (SWORN) (AFFIRMED) AND SUBSCRIBED BEFORE ME THIS 1 DAY OF NOVEMBER, 2012 r ,` ~`~ gnature of icial before whom affidavit was mad Title official My commission expires on March 30, 2012 Signature of affiant Gretchen DeWitt CAMMONW,~-~ OF PENNSYLVANIA Notarla~ Seal >ennlfer M. IGerrneN, Notary publk ~~ ~ 2 14 BHbn df Notaries AOPC 312A - 05 USPS.com®-Track & Confirm Page 1 of 1 English Customer Serv(ce LISPS Mobile Register f Sign In VsP~a . . Search t1$F'S.ccnn {~r..':ack Packa:9es C?uitk 7cc~ls Ship a Packayr; Se[tr1 Mail Maria+~e YOlfl Mail Shipp Rosiness Solutiprls Track & Confirm GET EMAIL, UPDATES,,. YOUR LABEL NUMBER SERVICE STATUS OF YOUR ITEM DATE 6 TIME LOCATION FEATURES 917996900'J35002008&306 First-Class Maid' Processed through November i6, 2012, 10:44 pm .HARRISBURG, PA 17107 Return Receipt Electronic LISPS Sort Facility Electronic Shipping Info November 13, 2012 Received Check on Another Item What's your label (or receipt] number? LEGAL ON USPS.COM 1'r..:..y I ,ii..y U;,c:. nn :,.+.' S.,rv,;es .1_p rn, of !.is~ > E ry 5tamns & Shop - F IA = (tint -_ label itP P ,ter o PJ+, FE,^,R ,~:;° -F.C~ C)et,a - Gc sFOrrter SenFCe Slie Index . (_ -'r'1' I. ~?:3- A( ~ Ir.ts f?asor.-eo. https://tools.usps. com/go/TrackConfirmAction. action ON ABOl1T.USPS.COM About ~iSPS H:.>n~e N~'x.. rnCn Ptlaii Se. ...n Etatl ~^, , For~.~s 3 Pu yi :ions > Jnrae~~; OTHER LISPS SITES P~ a ..,.F.rtJ[8 1r .,, -~: r.,.. P~ . ,.. . 11/19/2012 USPS.com®-Track & Confirm English i;ustomer Servics USPS Mobilo ;~ V~~~ ( ;v Sf:;3CC17 [.iSPF.i.COr!i of l r7Ck P'('i`K.i~AIaGS C,tua;k ~fioot, Ship a Package Send Mail t•Aanage Yol~r Mail ~ hip C'usintss Solut€ans Track & Confirm G:ET EIANL UPOATE'u ~~ VOUR LABEL NUMBER SERVICE STATUS OF VOUR ITEM GATE & TIME LOCATION FEATURES 9171969009350020068290 First-Class Mail Notice Lek (Business November 17, 2012, 10:57 am MECHANICSBURG, PA 17055 Return Receipt Electronic. Closed) www.usps.convredelivery or calling OOPASK- USPS, or may pick up the item at the Post Offics indicated on the rrotice. If this item is unclaimed after 15 days then it will Ue returned to the selWer. U7fonnation, if available, is '. updated periodically throughout [he day. Please ch«x;k again rater.".~ Arrival at Unit November 17, 2012, 8:13 am MECHANICSBURG, PA 17055 Processed through November 17, 2012, 12:59 am HARRISBURG, PA 17107 USPS Sort Facility '. Electronic Shipping Into November t3, 2012 Received Check on Another Item What's your label (or receipt) number? Page 1 of 1 Register 1 Slgn In LEGAL ON USPS.COM ON ABOUT.USPS.COM OTHER USPS SITES Pr:•rAry Pcar~~,= Goverment Se'+.ices iern~s :' tee; 6cy Slarnps iri Shop , =O1A , Prnl,t LabE v i +'o5lace '~Afl . \ (.+ Uc:[[+ , r°u>temcr Son cc + Site k:tdex + tcl 'iQh;C I:y~ f~l Fi ;htS r~-. _r:F"CE Ab. a !. ~.`.:' , Y.arae Je45:oor~i .,fnty ~ ~ JAI' a.. .,n`~ + ._,.treers su r cus .l" .t .'.~a1t~:way ;I jai f c.;lr.1 Ex. ~-' '., https://tools.usps.com/go/TrackConfirmAction.action 11/19/2012 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE, LLC, Plaintiff Civil Action v. AMANDA HENNE, Defendant NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by an attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed or any other claim or relief requested by the Plaintiff. You may lose money or property rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIltING A LAWYER. IF YOU CANNOT AFFORD TO HIltE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 S BEDFORD ST. CARLSILE, PA 17013 (717) 249-3166 PA/PA_NTCDE IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE, LLC, Civil Action Plaintiff v. No. 12-6862 CIVIL AMANDA HENNE, Defendant NOTICIA USTED HA SIDO DEMANDADO/A EN LA CORTE. Si usted desea defender conta la demands puestas en las siguientes paginas, usted tienen que tomar accion dentro veinte (20) dias despues que esta Demands y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defensas o objeciones a las demandas puestas en esta contra usted. Usted es advertido que si falls de hacerlo el caso puede proceder sin usted y un juzgamiento puede ser entrado conta usted por la Corte sin mss aviso por cualquier dinero reclamado en la Demands o por cualquier otro reclamo o alivio solicitado por Demandante. Usted puede perder dinero o propiedad o otros derechos importante pars usted. UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIlZ UN ABOGADO. SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS. QUE PUEDAN OFRECER SERVICIOS -LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. CUMBERLAND COUNTY BAR ASSOCIATION 32 S BEDFORD ST. CARLSILE, PA 17013 (717) 249-3166 PA/PA_NTCDE MICHAEL B. VOLK ' Attorney I.D. 88553 Counsel for Plaintiff FULTON, FRIEDMAN & GULLACE, LLP 130B GETTYSBURG PIKE MECHANICSBURG PA 17055 Direct Dial: (717) .610-3117 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE, LLC I No: 12-6862 CNIL Plaintiff vs. CIVIL ACTION -LAW AMANDA D HENNE Defendant COMPLAINT AND NOW, comes Plaintiff, by and through its attorneys, FULTON, FRIEDMAN & GULLACE, LLP, and files this Complaint and in support avers as follows: 1. Plaintiff is the current owner of, and/or successor to, the obligation sued upon, and was assigned ali .rights, title and interest to Defendant's`'~ANK OF AMERICA account -1635 (ASSET ACCEPTANCE, LLC Number 12-2107764) (hereinafter "the Account"). A copy of Plaintiffs Bill of Sale, with Schedule A redacted to show only the data for the Account, is attached hereto as Exhibit "A." 2. Upon information and belief, Defendant AMANDA D HENNE has a last known address of 94 QUEEN AVE ENOLA PA 170252337. 3. Plaintiffs records indicate the Account was opened on February 12, 2002. 4. Upon information and belief, the Account is based on a written credit agreement entered into between Defendant and the original grantor; as provided to Plaintiff, the material terms of .the agreement applicable to accounts issued by BANK OF AMERICA are attached hereto as Exhibit "B." 5. Upon information and belief, Defendant used or authorized the use of the Account to obtain loans from the original credit grantor for the purpose of obtaining good, and/or services and/or cash advances. 12-624380 6. Plaintiffs records indicate Defendant failed to make foil payment of the amount owed on the Account to the detriment of Plaintiff/Plaintiffs predecessor. 7.Pl~'ntiffls records indicate the last payment in the amount of $80.09 was posted to the account on 14ovember 17, 2011. . 8. The Account shows Defendant owes a balance of~7,528.46. 9. Interest has accrued on that balance at the rate of 6% per year since date of assignment to Plaintiff; the amount of interest that has accrued is $340.62 10. Plaintiffhas performed any and all conditions precedent prior to filing this action. WHEREFORE, Plaintiff respectfully requests this Honorable Court enter Judgment in favor of Plaintiff and against Defendant in the amount of $7,869.08, plus costs of this action, and any other relief as this Court deems just and reasonable. Respectfully u tted, sy: ~ ~,~' MICHAEL B. VOLK # 88553 t2fi24380 VERIFICATION I verify the facts set forth in this Complaint are true and correct to the best of my knowledge, information and belief. I understand that false statements herein aze made subject to the penalties of 18 Pa.C.S. § 4904 relating to unsworn falsification to authorities. I am authorized to make this verification on behalf of Plaintiff. Date: ~ q ~ ~ By: ~ iS~ ~ ~ e ~ 10e1'1 P ' ted ame Y Signature ~~prese,,~fiy~ Title with Plaintiff 12fi24380 EXHIBIT A 12-b24380 :,.... ': , M N;4t • ;: n ..J.:'.. .. :`.. . I Y .. ,.. . .'. .... :i5•~Irs,•al~s'AT..F.'AI~m~~t~~:b~LOA~~-:~-:::- .. . .. ',;,a:k'1~• Jri.. u•- ^^?tC'YT,Yf •'n•'.;a,••.: ia'L . ~- ' •:J=-~: ?. q' J.i °..: 1.'. "d+'sj;a,,z..j~:' ':':Q?',,:•..:'^ i.: ri'+.• ~.•~::i •;~ : r'.3 :'4 !'•.ii!i ~,: ,t~.._ .. . ;,~.<'Ihe.~~ne~-~n~•~").~.aa$.u~'}~adata~h a~solt~exysells' .. '. . - .;OO~P~Y:°iganizeci:iiiid~#~telawa~;o€~~~ optregguse~and.:vwtti~ mot:.. `i Y.-;. r.. t • ~ ~i~pia~eiolalibl3$ ~~ W81TSII'~Se9;U~•8n ,t~islrgctt~~nl' ' ~' ~ ''S d ::'"-`• •: `~ • • - .. -, {:,:., ,•; .. 3!:tX::. ~'ess:nr:isriplie~~:~ita'-: ::.` >~u~r ~. ~epuri:~ase,~xs`ass':set,~oYtia-in^Sy~tioris,;8~1• ;apd•$~2;':~;c~A~si..~uor`~iigl~tfri~le'~nd ~rlttxbst in "and•Ea'•eagl~•o~#het.o~ti~~teLoetiSc~ii~att~chec}1~4~td~(E1~,'?~s~'"~,together'wlththeC : ~.~ _ , .. ri~lit:to all' prinri~-al, intareskor'~~r'prpce~ bFa~y~kiad~wdh.respecst•to tho'Lo~s'reti~~ng;dne and _ ~ . . - •' ~ ovNui~'asofl~e~l';,O$I7at~:applic~ibleios~ahLi}~asae'set'f+orth:.is.thgLo~crS~t9_~gr~~nC;ptiiauaat. .. ' tb;whihh the Lo t -" includm `~ •: . ~ . ' .#a~ arebein sold:: •bp~ri~ froaL•the:cQ voluq~ry:o=;~sivblu~aiy;; Y` ~. iz~o~casho other'li );. . ~ ... • of a'u. of tit • ans',. iq. quiil~t~d:~rty" `' . ... ... ,. ~..' ~ _ DATED: Nlarcfi 26'2.012f.'`~ - ... .. .. : • .. .. ASSIGNOIt;,'F~i,'CARD S~RVICES;;N.A.' ~ . . Name: Det~a l: p'ellirccaro ' . • ~'1'itle: wce~E'residenf~'. ~ . Post Agency 'BUl.k• 2/22/12 Pax:302.458.Q49g•' . Bonn of Artkciq Araet Soles= . izeerfieldlf~ 855 Papa GitD Rmil, Nswerk D8 18711 n~nd,atp>r la~6a~3gb 1 1128/20 1 2 12:OD AM SCHEDULER CLIENT- BANK OF AMERICA ACCT# FROM CLT NAME SPOUSE NAME AMOUNT $999999999.99 $999999999.99 . $999999999.99 $999999999.99 $999999999.99 $999999999.99 $999999989.99 $999999999.99 $999999999.99 .. _, $999999999.99 $989999999.99 $999989999.99 $999999999.99 $999999999.99 $999999999.99 ~~ 1635 AMANDA D HENNE $~ 528 ~ $999999999.99 $999999899.99 $999999889.99 $998999999.99 $999999999.99 $999999999.99 ', $999999999.99 $999999999.99 $999998999.99 $999999999.99 THf3 IS THE INFORMATION REGARDINt3 THE CONSUMER ALL OTHER CONSUMER INFORMATION HAS BEEN REDACTED FOR PRIVACY PURPOSES AA_1008 Account No.: 12 2107764 EXHIBIT B 12-624380 li SDERALLY R.EQUFB~D A YdIIR CIiOICE TO L1bII.T MARSETiNG • The Bank afAnserica companiae listed (see below) are pravidhig this notice. • Federal law gives yon the t to limit some but not rketingiiomall Q~oPAaierfca sited c. F av- also requires us to a~ul~cekfisg~~ a~tise Baa~of ~Ame~ca~ ~ ea_ Yvon liffit ~ll~tlu~ Sank of Am]er~ica aiBtiated e~aeaor tLa ~ai aazie~a ~~mar i~at~on that the4reeeiva ~om o of America tiompaniea. 'rhfs information yoor income. your ao~uat history, and your scare- . Y choice to • t market[ng ogere Ifo~m the Bank l~eaet yeersiYomwhencomP~emte~llwualIIym>rlcv~o~cre~ yBoealcer~bor cboiee to lima offers o~viree, to ww33cant~iane~ ~n~g~a~a fr~ma. ths~ Baall of affiliated compeaies for at least ono yea=s. Yoa may tsH ne youo•chof markebiag m~ho'~ jam ~~ ~ • ~w~ not apply in certain afro auto as wLen ~ Nava as account or cep ~ ~ ~abip~ ~8nak ofAmerica • ar apbpnedaesa pu~poee accanate, this not mOr~to a~bnsiaS ass. To Hmtt m tin a+Hess, contact us at SOO.S94.283Z ESed3ve Octo 1,008 BaaYs' agnd~Trost Companies L~a.9a~lle Bank ~Natlo~na~l Assocfation Credit Card B~ ppof~~ Consumer Card Servkes, LLC Fleet Ci~edit Card Serviccee, L.P_ Iasaraace sad Aaaaitfes Bic of ' off Tame, lac. naozmoe Servuxs , ~n~any dba~LaSalle Ius~sanc~e e9earviced ~~ Altdrastivev Inc. Bank of Amw~ica ~ LLC Bea ~ ~~ 3ecaaitlea LL~C~~ La$alle P'Snffiaiai Services, Inc. ~~e Pond 11Hanagement, Inc. i'P- FFILlATE 1kfA~RBETIIVG NOTICE Real Estate SomeFocns Services, LLC , Adminiatrative fiervfcea Le38IIe Healthcare Admiaiatrative Services, LLC gMg~erchaat Services LeB~ aat~e vic~esCLLC • (wntinned) BANK OF Al1IFRICA PRIVACY POLICY FOR CQN9U&~iEupR bBo2~0e0e8 To learn more abort haw Bask of A~merlca manages A~a~aacheak-card tr ~Cnetome~r I~tim4 sad what ~ actioas yon caa tam, say nau~nsl actitrity ,and thm coatack you Thie iocu~mcaa m'iafarmation shoat: ~ C°rda iac or elolsg.~ heath3- L Mak[ag the aecetrity of ialormattoa a priority a ~ ~ a patoaier aPP Z CoIIee#3n8 yoar inioratatton 6mme aLo msy B 8. AfaaaBfag information aboat yon the prepgro~atreporFs to ott~an , 4. ~B ante iaformatfoa is accurate We doaob e]~epes audieal ~ health 5.. Somoring year preferaaaes ~~~ e. Actions yon can take ~~t4mstloas the eztent pazmit I 7. GFaasdiag year ow' information M information with eompaniea na. 8. Bank of America compaaiesWe~ msy aLara anp of This policy covert (~aatomer Informat[oa. whiah means c ~ l~aataoatdd°°e~ U~,~ idemtiiiable i~ermation shout a +mnsu~r ar a that act as our bal _ _ s daatint air i~ cueto!mer retattcasbip will} ne sre contracts .~ . i i we may e m ~ _ _ with insaraa~ ~ hA~mertca ae to as. m amon8 our Euorpo a ,at work for mmaayy snob a• pa~yaea~t l coanpaniss, each as ~es of Cc~amer ~ yr is to ~~ iosme a a saonamt and other rites (far castomers reFaon to 6m anatari ~~ ~~morga izaliosIIa ro b' fnfb~rmattaa ~ 'be i~a ~ Fc~ae~~with fi~amd • preveatf or investi~ati~ pr~ ~~ement and asaarIfy, on have charm it encome to haws. Bank of America ariag taformatio whit th{rd parties lfor customers • with c it iscd~ sad~pons~ed Accormts) 7f you a saax ar Amerrica credit card or~ S~poneor~ed Aare may regaeat that we not share i~irmatian about arcmmta with third partes. If request that on. with Ehird parties, wo msy sti>3 ~ ~lomng 'mfo iimawtio~a ingot ~ f With ~providerq ae~diapueaed is 9aetion 8 i ~~ on companies that t 8 • ~$naadal compasses with whom we have yamy~w~73~ to ~ ~sprei9~snoegp ~~each~ ~ mq'q~~~ on a joint aaonat regaests ~ to tb: satire p~eB' that ~ ~ ~ saeeag aompaaiee ~ and ~ Uuteide Somtss a~ of Ameidca~~aaaniea, each ~ cadtomacr tali vs os berf~ a~fvii ~y the , or E ~ ere with youar. ~ o customers who ~ ~b9 > ~ ~,~ noE to receive diseat matte c~srs -sent ! ~y and/cu~..a:mail ._.. iii Haak . of ~ ffvm m aad~om companies w~a~~g ~ vs. Ta ~ the amooat od aoliaitstiaa om~, eoatomea t ao! ~solieitatioma. Direct~g~ t oitbra 1}ona vs miq iadormatica.about prodaeta f e~ervicea ws ~ireat ~ offers Dated i Ne and/or a-waif, ti~at wepm c eoaf~ yon ae awry to service your ceatected by~yomr sliest o °~emaYaoner~~ eccoant eppliwble. Beak c~ America msy also coaFiaue to seformatioa m ~t reQn]ar aoeo~ atatemeats. iscinding online a$~ATSdt eomao ~ ~ of each direct marketia ~~~~ ~ ~ ~~ ~ takes. weeke~ ~y~ wostal mail last ~ ~ ~VPhea ~ ~~~ou't~~of ~'°'~ e~~tetleph~o®r;od~ ca~oas yon caaptek Yon lY ~ m at~6am~eri~Ce.oomlprivsc~ and yvnr iail'ormatic~a an oor secure eb site ~ taII tkee at 1.888.x41 five at a ixate~e es; to ~ rela menage 6. t3nardiiag poor owe ia[ormatiarn Beak of America retemmnends that you take the followine ~ use o se ands ~inatrt n: any anspiaioasnL~ t0 na mn>tediateky. ~P • Dnm~erf. ABaWOrd1102' ~&~n7$tltOtiont0 Verilyr the of tine e_a18i1. Memorise s refrainlYomwrltingPINs, Sodas Secnrily numbeza,debit we c~edit rand numbers where tneY conga be foan • Shred documents ceataining any eaneitive vlth'7~ttps". - 'tl 78~' ~ •. i.srraaz.s2as. d Trade y theft dente ami to yon cea take to late vita oar vaey Pwi iaagea to this et say timeaad w~7I P~rcvsay~Poi~L.g,pon viasn ~~ocn~ Web a~ta i.oom/privacy or call na at 1.888.341.5000. ~~~ofAmerica av~eonsaa{ere8cuetomer onshipe: ~a 1V.A Delaware, NA my of aware Cotunmer Card Services, LLC t Servioes, L1'. [nvastmeate capdta'[ a .ataran~ Lzc UB. Fund Management, Inc. Advisors LLC Anna ties ~• ~'g'°`•'~_ Inc. ~~Navaia Ina Services, Inc., dba Banc of Qesaerai Ineenance ICnsarance Agency, LLC G~engrat ty Life Ineparaaoe C~az{p N s~Flon ~tan~ 8etvi For a cimrreat its a[ Bank of A~man'cacoaipaniee that have consutmr cn:r relationahipe and to which this poll b~~, vac~y~T~h~is p~oHcy W~li~ castomec new ~eetebliehed in tha~nited States lead ~Amii~~Ca IIo Nat Po~licyau~ader T hie Creamer Protadioa Act for all consumers and is pursaaat state laW. ~ea ~ have other priPBCy pprOteCtiOnB 11ndaT 8tat8 laWe~ Sock a9 Vermont Califorzd8. TO the extent these elate ~ 1Ve COmpip with them with regard to our For Nevaddea~ryeosuidweiatt~s only. N~ev~ad~a la~ that we mea~of c:o»sumer P~rotecotilloni Q~ce of tlu Ne da Attorney i3enerai, 656 East Waahmgtoa Street, 5mte 8900, 'i CREDIT CARD AGREEMENT YOIIl; CONTRACT WITH U$ Promise Ta Pay, and How We Allocate Your Payment. We reserve the right to chfi~ denol° h~adoi thsa OTHER TESbffi~TQLO(~Y spit testyy"- e{tne, as 4 n the We wAl ass flu deSai d under the section sa~l$eASt{v~nend Adreenuif: ~~Wm+de used Ir~[s Agreement or es WORD$ USED OFTEN YN TSIB AGREEMENT terns is docume~ ~ we der not deHn~a t~aate~~i~ ae~d dam, the term has the meaning es used in year cx~ cbeck"a check we provfde to you to obtain maath'~ etatemeat. . 1~' We use sawn headinae (e. Words Used O In This !-gi~t" or "Credit Card Agreement" mesas• this . A,g++sanseng to orgaaiae ~eement. The els~aifags are ~d any change? we make to this went from far re6areaee pnrposee Daly. gOW TO UB& YOUB t3NT "AP8" miaaas the P Y obtain a' is of~Bel~enoe Traoefereti m~e as~la~hytodi~ vidfag the corresPaadinS by ~~accoffit ~he~othe~cradifdevi~aee. a~~ 368. „Card" means aII thg a~carda we issue to you sad to aqy ~ wtcna atioa for use an this aawnmt means the AFB.(s) which may 6e app~ad. to ~kaaa ~, Advaaar, ands yPm'chsses ~ ~ daecn'ts3d in the rectum tithxl~ Per+r<ttt~sgs $g~ Wimple, o~nhn¢~pnrcha rs ,;, _. . "Grace Period" means the period of time dnr5na biD3ng avc~ when yon will not aactae Perb~a' Refs ~ance Charges oa eertaiu traasactioas err balances. 'New Bs,laace Total" mesas the fatal bgalelad amauat as, ofof ,,,,,,~~,,,~,~~~aE. Toq ~ tube l~iaw~ ~ ~~ota1, g cyc e, which ids fibs ~ ~ Wye ~alance~p~PurcLas~~esaand ACaris sad finance charges. "Pay in FvIT` or~"Paid is Fn1T' paymante sad arodite amyclae's New Balaaae ~ atyo~ vraviFpII m~La made by the Paymaat ate is order to get a Chace Period. "Psonaotiaaal Offm" means limited time iatrod or proau~iomal ~ ~Ba1a~e Tran~'ers, Carh Staadaid ]dates foot tboee l~ a~ti~e~ and a~ bsict to ,cam' ' s. Praaootiaaei Or~Rmeroara~aoa~ hem alas, eea'7 wh~cb may he )aig~ ~l~o~aer~ ~stendani~l is the s oa "Standard Tt~ate" F~ rAem~ ~ (8aad Pureba~ effect for Balance Traasfeia, Car "We", "us" "ate", sad "FFAC3" mesas FIA Card Services, NA, also fusowa as Bank of America. "Yoe" and 'iota" mean each sad all of the.pe=eona who are granted, amept or use am sacanat We ho "YYoe" and "year" ako mesa say other pmaon wba bas guaranteed payment of this , ~~ seed in the sed3ons Yoar tt~.oo With Ua~ We' btay Adogifor A~td Raard Ca~aud E1r6ltr~attoa and Liligatlon, and when is each the sections relating to payment of this ece:annt (e.g., Your b `~Batsac.e Trsaaf7er" mesas a tsaasfer of• fitmde to soother od en iaitiatad by ns at yaiayaia A Adv i~x. aYanei~s~.u~~~a F~e~ a~jasame~s associated with any Belaaea TraasPer. "Advance" nseana the use of your account Yar a loan aL at am automated taller meehian ~'ATh4 Cash Advears'~; 2 by a traae~r of lands is ~s depmft armaat"initit'fed lip ns at your request. ("Direct Depoait"3. A Direct Deposit does not include an OvardtaB Pratedioa Carp Advance ~ a same day Dallas feuds trsasfer, 9, at awl liaan~al iaditW3an (e.~" to obtain cash, mosey ordara, wire tranai"e¢s, or travelers ehectce), by a same day anliae lhade transfer to a deposik account, sad ai eay'n~t-fmaaeisl iastituitFan (ter obtain caalil C'Bank Cash Advancd"); . 4. ere pars of en Ope~rdratli •ProtectIon • Program - a traaefev of t5mtia to a deposit accomit piasnaat iao as avardrait pratedion program ("Overdraft Protectfan Csah Advance'7; b. to buy `Cash 13quivaiemte" (i.e., foreign caixency, mosey orders or travelers checks from, a aau~-~Saeaciel inagitution, or Person to person ~moaey traa~era, ticks, lokkety tlclmte; casino gaming chips. fixes or bail bands) with yoaQ card; 6. by an access check you sign as drawer ("Check Cash Advaace'7; 7. for say payment yon make to us that is returned to us unpaid •far ashy reason, indnding the related fmanca chsrgra ("Returned Paymeat'~: "Cash Adva~e". inelndes Tsaasactioa Faes and adjustments associated vrlth say Cash Advance. "Purchase" means the use of your card or accomrt number to: 1. buy err ]ease goods or services; ~. bop whe traaaibzs from anon-flmancial institution i"Wire Tlsnseer Pm'cbase"); 3, malts a transecldan that is not otherarise a Cash Advance. "Purchase" includes Account Feea, as wall as Transaction b ' (continnadl Fees and adjustments associated with any Purchase. ANN(JAL PERCFS]TAala xATEs ~ s~io~ n:mi~ tlasd Eaten, Defaalt Rates and moti U apP your a«aunt. ~Ba~lan{~ce~ Tura: The Standard ~Bata ~~~ ce P'EHCSNTAQIg BAT& of 6.9095(71889b DPR). this Promotlsnal Offie~c wIIl to eligible CI a~ f •relicootmt~~rongl- Your O~ w~ili en'd~ ww}} yoar~ G9o~g Date x008. II as elsetale _ not nest to Promotional Oliar ID S@BHB$7MD: The Promotional Rats A~.L ~G19N1ts'IS RA1~ oi~ 1.89'X+ (c~'~ DE'R). Y~poait~Cesh ~va~ac~~ aaChe~csk CAd ~ bearing tl~a Pmmotiottal 0~'sr ID (each an "eligible traasactton" for this Promotional Offer). Promotional CHiper ID HBBSSH7MB: The PromotImial Bate far tlris C7~~~ Offer is - a coixe8~~ This Pr~ational Offer~appIies to newelmibk atranaactioas ANNUAL PLR ~J RATE of 1,9996 (0. 664488229966 6eginning~~ 18, Z008.~~e1ieffile~tram cttoa posts D~7• ~~your your ssing Aate in A This~Fromotianal Offer applies to Balance Transfers Dhcect 8006 tbea ties~~ on_ayl~Oaffera~iapp~p to etigiibia Cash Advances sea Check Cash Advances fearing statement Dade in DQ"arch ?A09 and t this~~ghProma~nei lramgatfanal Oll&r ID (each as "eligible transactiott" for t)fiiar will sad oa Date in March this PromaHaasl Offez)• y~20yy0yy6~~If as eligible doss ~ to nr ac~mt s~B Offer applies to new a ~e transactions Fsoa~atioa ~ Cia~ag your ~~a aoa iKa~16, 2008. Tt an IeB~trasmctio~ posts in Gt~~esh Advances bearlmg O ID to yoar account your statement Data in eugoet sa Direct Depoatta which get this P~ro~nuo~ional OPPer will past to gattr account as Balance variable rates is 8.28% and was determined on Jane $0, e~ieer~e.. aooe. During the time in which you make g Aa increase ar decrease in the index cause a b~ ttaasaetioas Hader this Pramational~ffer, they~e corsespoading increase or decrease )a yanr vasile rates on sat~ect to the following Promotional Feee: the g~ da ~,p as billing cis that begins is the same mm~th as the de~erminatioa ~~An in in the index Balance 'I~ansfere: 3.0096 of each such nteane that qon will p erirate iiaanee «~~ (Fee: Min. $20.00; Maz: $99.00) Oi~~CE have a higher T ~p~ ~ Ig ~E) Jo does not ~ r deStdtion oC the II.g. Prison Rate, Tbla Prantational Of)'er mad end at lima if there tea we may, at our sole discretion, aubstitnte another indez "pramati~t fora-cam event A pra®otion fora-oS Quest meems: W that alp Total Minims Pa Dna is not TION OF PERIODIC IiATIa FINANCE reaefired by its Payment Date; or that total g~ ~o ~ g bal~ aympa~~~ ~ ~ eadah Balaacs~ to F~s~ ~~by~ apnn p~ tLat b~ Ot)rer will end as of the Hret DPR an that raeolt the number o ds~ in t~ yi>lys RRaa~~ that this Promotional cye_ Petrip~ acertse an a will not is is b~illiag cyolo, a~Lm, ce ,Cash Advance ~ ~ n ID Ham': •The ~° p~ t raspecttae Ss2ance Traaefer, C Advance, or a alance. DAB AL RATS of 1.9991 (5468 YB,ILi~ O7C ends~ ee~tcchh month an a G'losin Date This Offer app to Balance ~ Direct t ~e~x~sb~e of tah~e ~B ~e begins on the dsgy after ~ sad h A~dlva~ncea beading statemeareflecte a s~egbcyal~e. fie. Each monthi,* , this Promotional ~ (~~ ~ traassotion for ~p~ PEBtODIC RATE E'IDTANCE CHARG>ffi9 BE[3IIV This Promotional OSer ]fee to nets ~transactioaa Each ~ B~alanae Transfer and Cash Advance begfms to ~8 ~,~' H an L: oa pons scants Peeiodla Finance C~¢~ a~n its tr~~ e~~ y .yam eta~t _C_to~a~ Datp in dada. Balance ~e:r and Cae'h rya "~fe~: ~vvv. as a+a miaauaas `rain aoea nob pass yotn: HaCOCmS- ttepl~ted_ ar The trabsaatieot to f0! S I{etnrnetl - . t ~ ~ ~ ~8~~ P~aymeat ~s the that the correspo ing Pepmeat posted ~ ~ 0~ CJxc$ Advs~xe bearing ~ aecotmt. OS9ae• Qlfee will aad~D~ Deposits wlsich ¢et the Unless a~sbi~~a C)xace Perrlod, each Haw Pnrcbare berms ~nofem. P 3~' accanat as sues to acc~rots~P Acts p9psaex its tsansaci~n _ later IIngleas~ t°Po (irscge P m tames an~der ~thia ~ t nCLarge ae,Y to the foIIowing Pramoti~ Feee: ~ be Finance ~ sp$the Srst ~o~the b~s7h'apg cycle: ate. Helene Traned'ers • 3.0096 aP each each ~u~y~¢ WLd° lieeble, Periodic Rate Finance C~~ accrue • (Fee: Idea. X10.00; Mar. #99.00) (FiNANCS daily daf)y on new balence® anB bajaacas prtevlons billing cycles. 'Periodic Rate FSnaace will caathtue to acorns even though yen This Promotional O$nr mad end atany time if there is a ~ ~~ ~ ~ ~' a 1~~ becaoee "pstattotioa tma-aff event. A pronstina font-off event aalaalatto~n of each Balance $abj~ect to Fiaaace in the *M (>J oust as1Y 'Total MNinimu~ P at Due is sot . ~s~~~a4y~msat Date; ar ~ tlut vow total Your payrneat Due Date will be at least 20 days from yma• st Date. N a~~ are ~~n~a~ statement Closing Date. a tlsea Chia oaai O~d ae of the Stet GRACE PERIOD da~ filet bi[tiag This means that this Promotional . Yen da not Lave a Grace Period ibr Balance Transfers or Rai wUl ant hs is m. that However tat Advances Yet will have a Gsace Period on new oo~m a tits ~ • will ~' is a cycle m which you fn Ftitll, from ~~18, tt<sn bill's cns ff~ tits day ether the P'" m Full date imtt~ the end of tLat end aez the day ~ that bil]£eg cycle. cycle. Yoa Lave a Grace Period fbr an entire VABIABLB RATE IN1rORMATION ~ ~ new s~ ayn~on Parebsse balances Wa will nee the rate formals for variable trhe Pa o ~mDue D~atesin tL,s~ f oye~el ~d~if~ by Standard ~ during Rateb, D nit Rates sad variable the billing cycle yea Paid is n1L Promotional. Rates. variab rates ass cnlcnlatad by addta~ an indes; and a ~ugta. For each variable CALCQI,ATION OF BALAPiCE9 i3tTBJECT TO • ~'1ei1, ~~le a>sa~ln i~dieci~ea above in tLe section FINANf~I1Cj~AB('E Percettage Ra Avvaarrssgg~~ ialanae Method (incindiag new Balance TYansiess and ne pp Cash Advances): Wa calculate This is oa the Lust buatnses day oP each separate Badaarxe i3+abject to gittaace Charge for month data'? and ig the ea ~t'oa U9. Prune Traaaliese, Ceeh ,Advances, and for each Rate as is the "Money Rates" a of The ell bbglance of Balance Ttaa~ere or Cash Advances Btzeet at say, lima within the iamm t by: CD calanlatIng a daf]v balance for each day in the P~ , meluding the month in which the carrent bRlin¢ cycle; (~3) calcalatittg a daily balance for eacL index was determined. The index used to calculate these d$p prior to Eha cwrent billing cycle that had a "Pre-Cgc1e .~ 9 (COIIth~en a belemce is a Balance Trauefer or a the U.3, dollar amount of each such Cash Advance (P'ee: C Advance a transaction data to the cmxeat Min. X10.00}_ biIIing c9r1e bat ' a date win the caseat bilH~~ ( toeather and Ti yon obtain a,~IC igclsi~^~a~ce, we will aegese a (4J ~ ~ t~ busts t g y cea 6y the number of O fee l~'amoamt~~ of sash eoch~) to 8 d0~~ Tn_calauIate tba daffy b thr each day~t }1~e cma~nt liar hiuim cycle, we talcs tba add an amrnmt ?f yon obtain a Dire"s~t Deposit, we w~11 aBeese a traneeotioa to the a bld~ nnmee8~~ (FI{T~eC~Eh ~r);agaal etc 5.0091 of the U.3. dollar appCaehaAd>~. e~smsactiota..Fees, and ~vana (Fee: Min. $10.00). bat~anaccetfa resssa P~ end aredtta If any dailrq If yen make a F~'4' Traawctt ~ aa~ee a sera we treat it ao zero. (sensnction fee (F'Ii9 GHAR~ to 8.0096 of t~l~~{ ba~tllat ~ ah~ ~~{~we false ated wtth ~ Pse-(lycla bad add an amoaat e~gnpal~to~tba sir Peritodic Bade maltlplmd F-ws. We ii~amntd>isDga~ealatia~n~~tram pasted in previous bl'1Nmg cpelee. El1i8711ce' `-2K8 "~ .,, , new, - _. ,.. Pa ~eeee~ b •'~cbl Pra~g>~ib~l b ~ in the current ~~l (2l ~~., ana g~ the ® t l~cycte. the number of dstye~the . ~ ~laaese forfor each day~tffi entreat i ' ~>elince, a m~less ~nb fobs •~~atewaplp~t~c~aant-t Fees, and nsw sacs ft less-tils~ne zeme ~taes it~a~e wa sew ~ on or We include the ws~ks~,f~m'~Cradlt card deib~t reew~sllsl3„~ Or ~~ ~~ ~ CB EDT~t~6r8t Gay Of e ~ tba biIIin<g cycle to which such costs are billed. M.IND[IIM FINANCIg G'AARQE if file total of ?e:iodic Hate Fuuoxe Cb ea fob all ' is lees thsa 1.60, tdleu a minimum~'Il~IpDiCB, ~ of~']..60~ as the acewnat m lieu of T8A1~iHACTiON FEE FINANCE CEAk(~F$9 We will asse~e the faIIowiag Traasectioa Fees to your Acewmnt is tine same baleace category to which the traasactioa is posted: the U.B. dolbrr amount oP each 7.Ya>saaot{on. This bs is additfoa to any othea~ applicable traaeecElon fees. If ypo~n, obteo~ilt an avesdratt Pra6ectlon Cash j ' we will Min. f lII0 ).~ ~d~ ~~ ~~~~~~'ash A~dv~aa e If yon make a Wire Transfer Ptlrcbase, wa assess a t~~ ~ (FIl~TANCS C:HAR(iEL eggel td 8.0696 of the U.B, dollar amount of each such rmetlase (Feed Min $i,9.A4L, ;. , ....,,.. _~ , ~ , ~ .. , . , ,... . CCOIINT FE69s Tile fall~q,~ fees , armed , as 'P ralCas~Biil~'E6e'Ee~iag'Gy~tiem"i'v']iicTi'ELe~iee'li'accrae: yA~Late Fee ~if the Total t >~ shown oa 3ta Date. On theme In:te~ ~ aaa ~ 1baFore • t~to F m~l~ ce is $106.00 or essda, te. • iftbe total oatstamdtag 6al'ancw is tares ~.00 bat ~t8S0.00 or Ieea, the La~eae~terwBl ba $250.OO~tbe~~ ~8 OD. ~ A Hs~mraed. Payment Fee of 839.00 if a Pagmnnt on accmmt is ret~uaed four iaee~dent funds ar Ear say ~E ~iff the p~eyinentt Preeentment>f A Returned Access Check Fee of ~3@AO if we setmrn as fe ~ ucl~ quest p~resen~t>a~en~ ~ the access check A Copy Fes of $SAO i'br each wpy of a monthly statemennt or salsa draft. es:Capt that the eiz mosE recent monthly statements sad one sales draft wiII bd provided far free. ~ f~ aadamied ~ E aasba~ad n d~ c~Es ~aa~ed b FrobiMixda~d byaPPlicab~w. P P~9 mws, vale DV1f8,DRA'TPROTSCTlpN ff aomaat with Bask of Amaka is liaJoed to :ilia aceouat o~t~~ pp~ wlII a>7ow itms~accoant~yomr cs~algaated ahealdar 7f yon ~ ~ ~ ~ ~ ~ W a ( o1~ FIN ADI C>G qus S? e 8 of U t f t h C r o ~ ~ O•QO ar amoun o eac such ssh Advance (Fes: If you obtain Balance Trsnafer we w:71 sasses a tr fee (~NANCF CHABG)~') equal to 3.0096 of th U 9 ll d term thn o e . . ar alsaant of sash such Balance 15ransfer Q~ee: Cos Min. $20.00}. },~ If yon Obtain a Beek Cash AdvaIICe, we will 88s886 fl Che ttansactio fee (FINANCE CHARGE) to S.OO~r of 8t BmDaIIL Of a ll 6t1Gb C d ' aC . a94 A YBIICe ~ eEl: ,MiII. ~10.DD~ CAe ~, tra s~acti (FIIVA~NCEE~(1Ey egaal~Eo S of itan pr~ol to ~~ e if paid' 4 as ova yoiu the td camas. be ~ os us. or at m e amonn~t ~ hav flab credit ~ net to covesr the total amount of feed by Bask of America that 10 increaaent (bat eTCindtng stherwlae one ar ~ax ofF tube that day will be erejscted. 'edit on this account is greater ~oveaidraittxaa~~sacF~'an amto ~~cradit. a~iebi fleet would ~~ P~esoeed ~~ ~~gwe itr yon m ~ thin stmt ~ closed time upon your request. yYootaa~ ,m~,k~AAn erttis, ~ related ffiQN YO't7R GABD You ahonhl sign your card before you use it. WS MAY MONITOR AND BTCORD TEGBPHONB YoYo~• comsent to end a~haxlze' Bank of AmerIca,,. any of its aii~fates, ar its marketing eaaociatee to monetar aud/ax record eriy od your telephone _ cpnvsresl3ons with- _ amr us. Far a~ B' you psemft any person to nos your card acceae checks, account eenmber ar other credit dev~Lce' with the authorisation to o'btaia credit on nr account, yon msi~ be ~ liable folr all treneadioem made ~y tit peraoa includin a iraYeaacttons for which you may not have inteesded to be liable, even if the u~t of those one credit limit to be a~aeocded. AuthorJized were o[ t~s~acca mt may Lave the same access to infarmation about the account and ate-nears as the accoant hol a. We may lead accormt p~ s~d(~s,p~t~ea~ts ~y n~atieas,~ tom vli~abmleg these materials to tLe atherubste~par~ies~mand auiorhed nears. Notfcs to a~gy+ of yan~ ~ oared notice to aII of on. Yao: mfr allow a~harlssd nears ®goea awmmt in the a toya~~7 8 tU w ~ ns that, w~~~Y your card err account aamber to enothar• or tt~ ty nay ways fa whi you would be ~ coeu3 to Lave allowed to nee roar aecmmt o to be 1 prevented $»na denying tTiat yon did eo. yYon moat think ca~reft~ b~'are yai allow anpoaa to became. as authori$sd user. Sy d so, you anth~oriae the person to ss yrna aoeouat to soma e~demt yrne can inclndheg not ' limllad to any ptachaeee, ra>a~ advances, aace traaefbnf others to nee yom~ amt. Yonr aceaoat do~y~ynat you to ]unit the nature ar amotmt n~ot8adea~~ do~. An~a~ smer's a~ w~I11. continue yon bath notify na that you •ara terminating the authmeiteyye~ad you pl~dcauy retrieve the ~. If you atim~os thatt~ pro ~ of ~otitp ua ~- YOB PBA>~ TO PAY ou to p~ Hof all credit, _ _ ....... ......._. .'to`yonr a~imt. H a bank broach ~apoaaora yogis . use rewrded messages. a~raoDnt, yoa_ pre ~~ to pay it argq anpeid aa:ount balance A CIE.4; COLi.>£CTII'f4 AND p+Ya na within days. PAYIIEf&NT8 ONE ypIIR ACCO ' Y tO iaMamatian about you in order Yon nmab3t~pay each •amath at~esst the Total Minimum to a~~ and deliver flee top aeevice Payment ~w ahawn on ~~y atstement by its you h~~ we reeeivs a out yog, ~ Due Data, Your al~yment Dae Date may vary ~ ore receive artier each as credit mode. Payments mast i~onibrm to the repoaetiag and Yoonu.~sum3a~e ue~a ~s req~b ~ out oa at monthlp these . w~h r~amen~ m~ vary Priar noliex. Yan may Pad. s iafoxmaticst ayon ~ err yoar apeom4t with our the entire amount yon owe ere at any time. Payments made affiliates and Yon may Lave the right to opt oat of is aqy that era greater than the Total absri~. Foy mare details, please refer to Dna will ' youus~ Itgatian two OU!' Dr fe 8 ba11Ce On your aDaeC~~ WB Wlil aoL _ yon _be$e.4 wa Lae rorniabaa inac+aaata or incomplete p~- meat ova such among, we wul rejxt ~y~~ tLat intixmat[aa about you or y~ ecaatmt to a credit rap are a~ drawn in II.9. doDars and tboaap d"rawa on a to ne at: Flt Card 8 N.A., ~eadal iasflti~n Lxated outside of tLe IIaitad States. P.O. az 17554, D e reserve the rigLt to east any payment if amt 1 nda your name, addreae, hamas pLoeee has a credit balance ere of day we receive tip paftoent. nmaber. and aooaua6 nflmnber, and esplata what yon believe . arec'gts to your account, snob ere those generated is itiacaarate err Mats. by ar by P~-~-P . treasfers are not w patiymeats and ~otce yoar dotal P[3B,POSEB >f'OR US>~TG} YOIIB A(~OUN'P Minims Payment Dne. Patp~os~. Y_opnq~po~i~ yma oat fioi boaTmeeera ACH PAYlY~NT6 ~~ash Ad~vawYx~, ~amy~~ Ado o' i~~ ~yPoa~~che k~to~cr l elan e~le fonds males a on this ar e~ tha~ csedit accomzt wit~i ns transfer. Eeah time you sand a c}mcl~, yon authorize a be sae to make ~ y ermft yo~a ~ ~ opsara-xtiss~~ c af~aa trane~ . Yaa also authorize ns to your accatat far are ~ wLate yon Ftmds be witlulrawnrl~ec~k yo~pera ~ ~ ~eaweary . conduct them Fax eeoamgle, Iatssaet gambli~trensaatioas same ws recadve your payment. You wi]l not r . ~ ~ yom' ~P~J of a PaY~ ~ ~ ~ check because we arf required to destt+oq it. an not mesa that an Internet We wr11 retain an electronic capp~ or mare information err trmwdioa is le where you of it. Wa may ~~~~ to s~Fapy fire coaversiw of your clucks iota electronic Rmds your ammunt for each ~~onae wlll not be liabla'lf tranofera, cell us at the pine amaber listed on tbss 6ront of age is as tetieasaetUoa. We ma der~y yom: atatemeat. on ahw write to ua at: P.O. gam~1~ ti a of anp hnnsactions idmtifisd a9 I~ernet Hoz 150].9, n, DS 1985019. ~b & PBR50N8 USINQ YOUR ACCOUNT Ym~i r~oa PAYMRIVT DDE y pay your total outstanding balance at any time. 'Y v ;caatinued) Each eyc .You must pay at the Total Asinimam aleck to hoaar it-upon psesentmsnt ar raters it uncredited Payment ~ .,yyo~b" ~ etattment by its to the parses ttud tad it, fn eft6ar c4se Pa t Dee Date. The ivtal um P t Dee is ~br the d6te ~s the c~We are not Habte the e~iton of all past d~ amoaats plus the Carreat~Payment. to ~ ~ 'jow ~ espeaee incurred by yam arising oat of the ~ HOLIDAFS AND REDUCBD PAYMENT al]ow yon, fmm tiaae to time„ to an~it a~om~~yntyholuy oP~oae are arai a~yun Wait a .pa.~opsm; or . in US. s a az an a ~ YOU ATL~T TO EBCESD babe on aceo_pnt plan oe musk sot. be asses *.aenyouar ~. ~ ::.. mawu~'~w~-s~egmeaz~-+~e._c~c r,~,er~uecwmo ;meat yvur ca~wu, +a~y, wa µ~ sus the above ragattrmmants, wfli be credited ae of the best day. raiaiap your (Z ermit the .. ~ ~fk fmr any< other pay~nta •may be aslayea..ap to~ 8ve ~ - more~~~a~mwmt ~a~ly duuaori t~31 r~ethe~e ... ,.. ., gOW ALLOGlkTE YOUR, PAYMENTS . Wa wM aIIacate y~eate fa the menaer wa 7P we refl~ee to pernt[t the traasaetioa, wo aaaise the aetesmhm.~mos~ we will ~ aIIacate ~ pa~r~on~, ffw wee~to ~t ~ ~Ad~tsmix~ ~ ~~ APRs. v m mwa ~~ Balaaca Try we mss ao~~y ~ad~ Perm A.a ~- al ~ that ti:4re_ Fuca being Paid lasts any other esiaktmg elaaces. fbs~s to pap the Chst3c Cash ~~ldvanae or Halance Treader, ggpMISS TO PAY S TO ALL NS ~Y ot]~er moaner. A71 who initi~sl~y~sahangaaiegnest. accept. If ha goareaor nee the acotmt axe individually and tort espoaadble saJ o mom ~e~ ruse ~ ~~p ~ ~ yytaoal from t7 a'II of the aexda, eaeeae atber credit devkes oatstaa~ding under the accmmt bean refereed to m and poa repay va the total auteteadiag balaactr owed to ae at say dime ender the terms of tIns DE>i'A T Yon is defadt of thin Agreement ib W fail to Pmate smy~saq Dead Tokai Mmim~ P Dn bM hs of ~ ~ t~» ar ~ f~ailm~re ~ by of ~ab~~huo~ app la~tar a~afaut~0t at we are WIDUQ WE MAY g~QDIRE IMMEDIATE itEPAT If are in default, t~bau is addition to ohs at3im~' this wa~Gre nnl ~ ~~ ~ r~ru,~n a ~a~a~t,~re ~ pro~ceo , asowau ae~ ~eaona~ble a rn~ey9' fee~if wei~efa~r°II your aecouat far wilectioa to an attorney who hr not ova salaried employee. OTB>gR PaA~Y9edptSNT TEB,MB P Y '~ ~ ~~ ~~~ a~A9 ~ oar r~hta ondar A~eesnsnt. This means no p ather~rme~ wcada, ahaII ogehra~~sa~aa~au~o demand the prtar writtenp approga( off one of our a ~r+t. if yoz n dop o~at~e a paosCdymdeataet- dcheck, we may limit, it d~nea notmean~at ~vad w II e yon~to ~ arsd& +xuidd tr aP~t~omoby as t~ ws may e]m cbarps as I+ee ae provided 3a this WE MAY A3~ S'1~ A(}R&Eb~MP We~ ~mendd t,~ 2~~eementor g B~W~onr~afthia e may increase ax dm~eopfa~ee a~ay aII of your which e~oceedsthe Bate: ~VhenY~' amond~ r~am~nts dfe~detal• ~ t~lawk~are~in s~«~t. rste ~13ras. Thah~ra~~alaasiet~ing~p b~etbsa thethe~ame ~a. If as armsadm~t gives to rgjectPr~~~ ghan®e, anda~ Tian r~ejed m t.hammmer a is soak return a~crad~rt ~~as ei~d ~ of yom p We may rep your card with anatber Cara at aby tune. W MmAapY SQSPLN'D OBE ~~ OaII$~ACCOUNTo~ teiwina yotu it to aaa yomr aooouat, Wa may. ao foie at any time and flu any reason. Yats~ob Hader this de amass or other~~ed~i~t dev~ice~on the acaarmt whey we•request. YOU MAY CLOygSuEr YOUS ACCODNT ytalepiua,°' and dnetlroying au c ash °d checics~or8 °r credit devices on the account. Yom ob under Agreement rantiaue even niter yon have one this. TRANSACTIONS APTE$ XOUH ACCOUNT L4 i CLOI~D When your account is dosed, yon must contact anyone aa~eri~s.d two c~~argpe transaetiene to yom accost, such ae ea. These fra~dera, health clubs or faaarance to~ ~o~mr aa~oaat na yyeeaa ~ ~ ue to be cGffiged believe you have anthos3zed ~traasacHoa ob~r a~xe~ . to nee your sceotmt after yyoouu have requested account, we may allow the traaeaetion to be charged to your account. R1iFU3/1L TO HONOS YOUR ACCOUNT We are not lie >e far~aap reit~eal to honor your aceouat. ~Th~isyean hide a rei5rscl to honor your card or account liable firm aa~~ ~re~~o ~ ~daaw~m~, Wasnyaret ~ financial mstttution, of any per of go~ or earvlcee. H~OU MAY STOcPaaePAYMENT ON AN ACCE88 y~~ ~ ~Y aP~P.~ny naa~me cbecic the o_ heck daUas alov5iii ae ear oaam~ access check. ~Pmopinfromday thaat we~pl~ace tube stop PaY~ YOU MAY NOT POl~D ACC888 ~C~ ~ Yaa ma not isnro a tad acceea checml[ay honor lift np~ •~a~t ~retura it~~'aid to tba flat prseested it to ns Par' payment, ~vi~amt in eiti~r case waltina !hr the •date ehaiwn an the assns check. We are not ~ ~ftto~e~act~a wee ei°~ o incurred ley y°n arising L Da Ott-' yyga•• yar• . a S. do'amoamt in• a wr~.a~x with the regalatioar os cazRersian Pmgedoras.ia_efi'eQt at raLO LO DB ~ 78 (7J a WLalesale two ) a ~. rate is effect orie as the p data mdiffer ~ th~ rra8t~e oa the traneaatioa date ar oostine date. • vVe meiy oiler yyoou ~~cartaia beaeSte and services aoommt. ~y 6eDeIIta or services are not a p~ Agta~nt, buL are enbiect to the terms and ~ a oa ~y ~ amend with ut n~'otiw to yon. MAY SELL YOIIR ACO(1IINT e msy at any tie, sad natIce to Yon, sell. assign A your acemmt, auma due on your aamyam~t, aaotm$ aura tt, or our ~ a~9 ~ ~. The ~or any dTor o ~trenaAar awhall Ito au of ~ rl an abligatione under this Agreement, to the extent sold, assigned or tre_T.s...roa ~A~ee Dat~made in Delaware sad we a~and~ the f lave rmci ~and~by~~es A~~ntr8era~la~we.conflict y ~ P ~ P any applicable ~gvG~~Vi9ION8 bF THIS A(3RUEMENT ARE ~ravfeioa of this A~eemant is found to be invalid, the g proviei~s will continue to be effective. OIIR RI(~HTB CONTINUE Our t~ tdelay is eser+eising anq of our rights ynder this 1 does not mean that We are tenable to exsrcue those rights later. UZTiORiZ6D IISig OF YOUR CA~R,D~e(~, nnautb ~e of o t amt 1:80fl.T89.670L PosaIble TIO~N ~ LlTI4ATION Yon ~he~ as aLoP~ itratiaa aad~ and yon dfd aD rej~ them in the and rega3red. If yaa did ang~6r~~e~ ~y~y~a app ~ °R that Stste ofA~UelawA*e eba71 be brought is a court Aqy or~nte ("Ciaim'9 b7 either yon or ns ag tba or tics employees. agents or of °~'• ~ ~~B m aRY to this or Prior or your (whether; a staboPe, iin CD~, tDlt, or Dtberwiae and~~ p-~ maneY P ~ dsela:'etary ar ~t .our <avrauu n aaror, w~LCa aOeLL oe OaC7e6a DY B COIII't. I~ _ daa, Wa w1II IIot, C1i0088 t0 arbitrate ea indiPidaal ceum yon against ns ~_eanaII claims coast or SII ~~` ~ealsd t0 a Claim is t ~O ChA080~8Tbitt8ti03 Cdlllt, We tbEIIve ti 9 • Arbitration take before a single m~bittistar and individ basis tkout ~ ~ ~ a~P class A~ ~de~ in dsman~ a~rMtrwtie~ YAOUD NOTIFY US WHEN YOU CEAN(~F YOUR ~y - We strive to a~ reoorda far your begefit sad a 'th~mf~sl~t ~ ~ ~ y~~ aura The poet ce end others may notify us of a change to sa at time the Qeim ie Bled. This ar~tiattoa yoar address. yon change your address, yon must emeat is made pursaaat to a transediDa natifY ua promp of your new addreea. irtate commersa and shall be ed by the Fe WHAT LAW APPLIB$ Arbitration Act, 9 Lj'.9.Q §$ 1-1B AA"). Judgment upon a11lr atbitratiaa award may be entered in any court having Q' (coatfnnedl 3uifsdictton. The arbitrator eba11 follow e~deting substantive law to the eatattt coasietent with t FAA and aapppplicabh: eta of limitations and shall r atty cia3ma or ~4e an ~. If any ,party ~~ the opinion containing the reasons for No Claim anbffitted to arbitration ie heard b~ a ~y or may be b as a class acttaa os as a pr"Yvate `attarnay gmeraL 1~ ~ not have ~ a~mam ~ ~' a a c>s wit~„~t apespe • auy Qa3m enbmfi to aclcaowltLa t~.hs~lClae~a Action W tp tb~ arfisl and ea~ntisi to the arbitration of env s~nutea void va~~ ~ ~ thsytna' eaviaga m' cTuc)dag t ~ Ehe y on nay amo~t yon~t~fnk is ~~ ~ ~P paQte a~om~atictte~r meat reach ns three bnedneee days before p yment is scheduled to occur. Year ~ Oar 8eaooasibilities ar We Heoeive am en oticat a mtmt ]sEtsr wtthia 90 days, tz~ we have coed errar~by thep., Wwii~ nv ~dsyh~a, qe mast eit~ the error or After we reoaiva letter, we cannot to collect aep~ ammmt you ~ art yon as d sat. ~y~eu cantbme to b yon tbsca~m, oun~t yon incl ygta~ li~~tt. Yon To"aat~ to pn eqp tinned amnaat wuxte ma ere bat you are Iigated to pay the parts of~yoreimri~ are not is waiver. me rasaas aca~awtettgs sou agree that If we Sad that wa made e~ati~tobitt a,, aarbitmrate~ eirenm9taneee wwiilul a class action be have to a~~Snanoe ~i'-~ amotmt. ~ira d[d not melee a you may have to Thin Asbitratloa sad Lon ~ lies to all Claims Seance ' and w3II have ~ meiks ~~~~s, we non in eristsam or arise APP ,.,. ~on~a ~moentq~a~ a 4~ja owe eodd'~es datb, _. ~,.,:.. ... . dir~tdtln''1~er.EtaSt ~ e "that°zt is due. bankmp liy yon ar sale of the debt by ne. ~ ~ ~ repo~~~~~ ~ ~ ~~t gar ~.~ awe, we does no't qon ~wsits to ns w3thfa _Svae Fez ths• t~poase of this Arbit'ta#oa and Li Seatioa, (861.dsys to as ty~ elate refuse to ~ 'wa" nd" P7A Cat'd Servicese~N7rle-,.~ its paneat. acyans wee 3r~ tD that you have a~quashian. eb not assigns, aa11 ~ a~scnt, and us~ Lyon to. We mn~ t~ ~ ~ort yo~ethat I~ ~~ Ioyese, agents an aeatgae or any_ an i the wafter has been settled between tin when it siaeltp ia. ply ~ ~ ~m ~ an~ ~ we do not fbtloty these with aaxnat bat net limited to $50 of the questioned amrnmt~ev asi ~~ ~a Scat b~a~ meeuheate accept any ctedtt device ieencd yam bits. was correct. ® aoootmt, r or ema7h~t ~s ctedit 3pealal BnIe far Credit Card Pnraheaa~ If yon have a dtrecCura, ~aad ags~s) an~oal }°~°ry~s ~~ with the gu ~p the~ropmrty air sarvioea that ,y ~ each a yon pnschased witFi a c7redtE aa~d yrnt v~ tried is . Party fs aaatad you as a co-d many Glaint yon good faith to carsact tiro problem with t3s m~e~hemt, Yms assert against ne. e~ ~~aBO.~yre~ase two Hmntations oa~tliis YOU AND At~F8S8 THAT IF EITHER "l7ie jj j (ll Yon mast have made the pmchnss is m home state • Y ~Rt1('~H~ UO~ OPPOA arm mwiELiah state, within 1~ miles of yam X8,1, IN (2) The pt prlee mast have been mme than X50. ppgg Mess ILmtationa do not apply ' vve own ~ operate the IiVRD ~ merahaat, or if we mailed yen the edvertiaemmst for the • TQ T~ PreP~y or eetvlces. YOUR SII#1TP8 ®2007 Bank of America Corporation. All rights reserved. Seep 19tia Pie ce for Future Uae.'Phie notice cants;ne impactaffi fn5armation about yoga' r[ghta and om reepoaedbi]ities tinder the Fair Credit =11ing Act. $Natlfv Us in Case of Errors or Qneationa Abotrt Your ' ftlthu_ If ponir k yom• bfII is wrong. ar if need more oa a transaottoa on your bil~uwrite ns on a (aa• t~ a of the form pprovided oa b at rof Ammdea~orporatiam. P.O. Bas 26, ' DE 19950. Write to tie se soon as a Do not the notice on or your payment. We mast" hsaz yon no Inter thaw 80aye sites we sent you the Brat biu an which the transaction or error agpeered. You can m~ ~dojn6fos~!-~i_ao_ ter y~ lights. 7a ~ . and account that "tha~d eor~armamatmat t of th ~ea error (8l the oetiag ~ata of the transaction in, gnestton; and ~4] a deaar~[oa of ton moor and an if yon can, at why yea believe there is an mror. If yonnee mare information, describe the item yon am not sure abotrt. If yon Lava antbnrized oe to pap pow credit card bill IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE, LLC, Plaintiff v. AMANDA HENNE, Defendant Civil Action No. 12-6862 CIVIL CERTIFICATE OF SERVICE TO THE PROTHONOTARY: I hereby certify that a copy of the Civil Complaint was served this date by depositing same in the Post Office, first class mail, postage paid, addressed as follows: James Natale, Esqurie 209 W Patriot St Somerset, PA 15501 NOU ~ g 2012 Date: Respect ly ub~iitted, By: f Michael B. Volk, Esquire #88553 Fulton, Friedman & Gullace, LLP 130B Gettysburg Pike Mechanicsburg, PA 17055 IN THE COURT OF COMMMON PLEAS FOR CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE, LLC § CIVIL ACTION–LAW Plaintiff § CAUSE NO.: 13-�t,93 c V. /0?--L8 L AMANDA D.HENNE, § § CD C-- Defendant § CERTIFICATE OF SERVICE I,Michael Volk,hereby certify that on the E)0 day of—LtQ a copy of 0 Plaintiff s Answer to Defendant's Preliminary Objections and Brief in support was sent by first class mail,postage prepaid to Counsel for Defendant, addressed as follows: Mr. Robert Klingensmith,Esq. c/o Harold Shepley&Associates, LLC 209 West Patriot Street Somerset, PA 15501 /b/Respectfully u itted,✓ Michael B Volk FULTON FRIEDMAN &GULLACE, LLP Attorney ID No. 88553 Attorney for Plaintiff 6 Kacey Court, Suite 203 Mechanicsburg,PA 17055 Direct Dial: (717) 610-3117 Facsimile: (717) 620-8706 P R 0 TH,0 N TA R 0 Michael B. Volk 2D13 JUL 31 Ali 10: 44, Attorney I.D. 88553 BERLAND COUNTY Counsel for Plaintiff FULTON FRIEDMAN &GULLACE, 6 Kacey Court, Suite 203 Mechanicsburg, PA 17055 Direct Dial: (717)-610-3337 Facsimile: (717) 620-8706 IN THE COURT OF COMMMON PLEAS FOR CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE, LLC § CIVIL ACTION—LAW Plaintiff § CAUSE NO.: 12-6862- CIVIL V. § AMANDA D. HENNE, § Defendant § PLAINTIFF'S ANSWER TO DEFENDANT'S PRELIMINARY OBJECTIONS NOW COMES Plaintiff Asset Acceptance, LLC, by and through its counsel, Futon, Friedman &Gullace, and files the following Answer to Defendant's Preliminary Objections as set forth below: 1. Admitted. By way of further response,Plaintiff is not required to attach its evidence of special damages to its Complaint. 2. Admitted. By way of further response, Plaintiff is not required to attach its evidence of special damages to its Complaint. 3. Admitted. By way of further response,Plaintiff is not required to attach its evidence of special damages to its Complaint. 4. Admitted. By way of further response, Plaintiff is not required to attach its evidence of special damages to its Complaint. 5. Admitted. By way of further response, Plaintiff is not required to attach its evidence of special damages to its Complaint. 6. Admitted. By way of further response, Plaintiff is not required to attach its evidence of special damages to its Complaint. 7. Admitted. By way of further response,Plaintiff is not required to attach its evidence of special damages to its Complaint. 8. Admitted. By way of further response, Plaintiff is not required to attach its evidence of special damages to its Complaint. 9. Admitted. By way of further response, Plaintiff is not required to attach its evidence of special damages to its Complaint. 10. The allegations contained in this paragraph are conclusions of law to which no response is necessary. 11. The allegations contained in this paragraph are conclusions of law to which no response is necessary. WHEREFORE, Plaintiff respectfully moves this Court to deny Defendant's Preliminary and order Defendant to file an answer within 20 days of the Court's Order. Count II 1. Admitted. 2. Admitted. By way of further response,Plaintiff has attached the agreement in-effect at the time of Defendant's default. 3. Admitted. 4. The allegations contained in this paragraph are conclusions of law to which no response is necessary. 5. The allegations contained in this paragraph are conclusions of law to which no response is necessary. WHEREFORE,Plaintiff respectfully moves this Court to deny Defendant's Preliminary and order Defendant to file an answer within 20 days of the Court's Order. COUNT III 1. Admitted. 2. Admitted. 3. Admitted 4. Admitted. 5. The allegations contained in this paragraph are conclusions of law to which no response is necessary. 6. The allegations contained in this paragraph are conclusions of law to which no response is necessary. WHEREFORE, Plaintiff respectfully moves this Court to deny Defendant's Preliminary and order Defendant to file an answer within 20 days of the Court' O Respectful s m" ed, Michael B. Volk FULTON FRIEDMAN& GULLACE, LLP Attorney ID No. 88553 Attorney for Plaintiff 130B Gettysburg Pike Mechanicsburg, PA 17055 Direct Dial: (717) 610-3117 Facsimile: (717) 620-8706 PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: j;. Please list the within matter for the next Argument Court. rn - --------—--—------——--------------..--------------------------------------------- CAPTION O CASE zt CID cz� (entire caption must be stated in full) ' � ZZ CD PEA P1Cc p c..e.. LG (Plaintiff) VS. - (Defendant) Ci V1 No. (J Z ,120)2- Term 1. State matter to be argued(i.e.,plaintiff s motion for new trial,defendant's demurrer to complavat,etc.): f S (Yl1�Ci i11 C �eC fit r1S 2. Identify counsel who will argue cases: (a) for laintiff: ame and Address IN (b) for-defendant: e ,ze�l ► C M (Name 4nd Address)�+ 3. I will notify all parties in writing within two days that this case has been listed for targument. el L- VA C Cncd. 4. Argument Court Date: Signature Print your name Date: V co, xl-� Attorney for f 7�P d�f X19. C# gsl s9 } e IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA, CIVIL DIVISION ASSET ACCEPTANCE, LLC, No. 2012-6862 CIVIL Plaintiff vs. AMANDA D HENNE, Defendant CERTIFICATE OF SERVICE TO THE PROTHONOTARY: I hereby certify that a copy of the Praecipe for Argument was served this date by depositing same in the Post Office, first class mail,postage paid, addressed as follows: Robert D. Klingensmith,Esquire 209 W Patriot St Somerset,PA 15501 Respectfully ysm* to , Date: C �y (,p U 13 By: Michael B Volk,Esquire#88553 Fulton,Friedman &Gullace, LLP 6 Kacey Ct., Ste 203 Mechanicsburg,PA 17055 ASSET ACCEPTANCE, LLC, IN THE COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA V. CIVIL ACTION - LAW AMANDA D. HENNE, Defendant NO: 12-6862 CIVIL IN RE: PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT BEFORE HESS, P.J., MASLAND AND PECK, JJ. ORDER OF COURT AND NOW, this 13th day of November, 2013, upon consideration of the preliminary objections] of Defendant Amanda D. Henne to the complaint2 of Plaintiff Asset Acceptance, LLC, the briefs filed by the parties, and following oral argument on November 8, 2013, IT IS HEREBY ORDERED AND DIRECTED that: (1) Defendant's preliminary objection pursuant to Pa.R.C.P 1019(a) and Pa.R.C.P 1019(f) (relating to the failure of Plaintiff to attach any statements from the alleged credit card account of Defendant) is SUSTAINED (See Atlantic Credit and Finance, Inc. v. Giuliana, 829 A.2d 340 (Pa. Super. 2003) and Capital One Bank(USA)N.A. v. Clevenstine, 7 Pa. D & C 5h 153 (Centre County 2009)); (2) Defendant's preliminary objection pursuant to Pa.R.C.P. 1019(i) and Pa.R.C.P. 1028(a)(2) is OVERRULED; and, (3) Defendant's preliminary objection pursuant to Pa.R.C.P. 1024 (relating to verification which failed to state why the verification was not made by a party) is SUSTAINED. rw -oz rrim nn, CD-4 Prelim. Objs.to Pl.'s Compt.,Dec. 17,2012. 2 Compl.,Nov. 30, 2012. This Court grants Plaintiff leave to file a legally sufficient amended Complaint within twenty (20) days of the date of this Order. BY THE COURT, Aichael Christylee L. Peck, J. B. Volk, Esq., Fulton Friedman & Gullace, LLP. 6 Kacey Court, Suite 203 Mechanicsburg, PA 17055 Attorney for Plaintiff ,/ James Vincent Natale, Esq., 209 West Patriot St. Somerset, PA 15501 Attorney for Defendant i es /'c.a,t Lrcct, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE, LLC, Civil Action Plaintiff V. No. 12-6862 CIVIL } AMANDA D HENNE, Defendant ° CERTIFICATE OF SERVICE TO THE PROTHONOTARY: I hereby certify that a copy of the Amended Complaint was served this date by depositing same in the Post Office, first class mail, postage paid, addressed as follows: Robert Klingensmith, Esquire 209 W Patriot St Somerset, PA 15501 Respect f 1 s mitted, Date: December 3, 2013 By: (o Michael B Volk,Esquire#88553 Fulton, Friedman & Gullace, LLP 6 Kacey Ct., Ste 203 Mechanicsburg, PA 17055 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE, LLC, Civil Action Plaintiff V. No. 12-6862 CIVIL AMANDA D HENNE, Defendant NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by an attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed or any other claim or relief requested by the Plaintiff. You may lose money or property rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 S BEDFORD ST. CARLSILE,PA 17013 (717)249-3166 c� C:j PA/PA_NTCDE IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE, LLC, Civil Action Plaintiff V. No. 12-6862 CIVIL AMANDA D HENNE, Defendant NOTICIA USTED HA SIDO DEMANDADO/A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes paginas, usted tienen que tomar acci6n dentro veinte (20) dias despues que esta Demanda y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defensas o objeciones a las demandas puestas en esta contra usted. Usted es advertido que si falla de hacerlo el caso puede proceder sin usted y un juzgamiento puede ser entrado conta usted por la Corte sin mas aviso por cualquier dinero reclamado en la Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. Usted puede perder dinero o propiedad o otros derechos importante para usted. UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS. QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. CUMBERLAND COUNTY BAR ASSOCIATION 32 S BEDFORD ST. CARLSIL.E,PA 17013 (717)249-3166 PA/PA_NTCDE Michael B. Volk Attorney I.D. 88553 Counsel for Plaintiff FULTON FRIEDMAN&GULLACE,LLP 6 Kacey Court, Suite 203 Mechanicsburg,PA 17055 Direct Dial: 717-610-3117 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA ASSET ACCEPTANCE,LLC, Plaintiff NO. 12-6862 CIVIL V. CIVIL ACTION-LAW AMANDA D HENNE, Defendant(s) AMENDED COMPLAINT AND NOW, comes Plaintiff, by and through its attorneys,Fulton,Friedman&Gullace,LLP, and files this Amended Complaint and in support avers as follows: 1. Plaintiff is the current owner of, and/or successor to, the obligation sued upon, and was assigned all rights, title and interest to Defendant's FIA CARD SERVICES, N.A. account XXXX- XXXX-XXXX-1635 (hereinafter "the Account"). A copy of Affidavit of Sale of Accounts by Original Creditor and Bill of Sale and Assignment of Loans are attached hereto as Exhibit"A" 2. Asset Acceptance,LLC,(hereinafter"Asset") services the account on behalf of Plaintiff. 3. Asset's records indicate that the Defendant(s)Amanda D Henne has a last known address of 94 Queen Ave.,Enola,PA 17025. 4. Attached hereto as Exhibit `B", is a copy of the credit agreement provided to plaintiff by its predecessor in interest as either the action agreement applicable to defendant, or an exemplar of such agreement applicable to accounts issued by FIA CARD SERVICES,N.A. 5. Asset's records show that the defendant(s) used or authorized the use of the account but failed to make the payments due pursuant to the agreement. 6. Defendant breached the terms of the agreement by failing to make full payment on the amount owed on the Account to the detriment of Plaintiff/Plaintiffs predecessor. J 7. Asset's records indicate that the last payment posted to the account on November 17, 2011. 8. Asset's records show that the Defendant(s) owe(s) a balance of $7,528.46 plus interest which has accrued from the date of assignment at a rate of 6.00% per year, the amount of interest which has accred is $167.83. A copy of the the monthly statements showing the accounting from February 18, 2009 to August 18, 2009 are attached hereto as Exhibit"C." WHEREFORE, Plaintiff respectfully requests this Honorable Court enter Judgment in favor of Plaintiff and against Defendant in the amount of$7,696.29, plus costs of this action, and any other relief as this Court deems just and reasonable. Respectfully Submitte , By: Michael B.Volk#88553 FFG file#: 12-624380 VERIFICATION I verify the facts set forth in this Civil Complaint are true and correct to the best of my knowledge,information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. § 4904 relating to unsworn falsification to authorities. I am authorized to make this verification on behalf of Plaintiff. By Signature Printed Name Title with Plaintiff 1N 'oco"� EXHIBIT A AFFIDAVIT QF,SA L {)F_ACCOUNTS I3Y QRIGTNAL CRF,DITOR - ,State ofDelaware,County of New Castle.` Debra L Pelli 6i ,being�duty sworn depose's arid-says: "I sm'ovea t 8 and not a party to this action I am Elie Viim Presidiun oCFIAA+Gird SeMi� ts,.N.A .k� hat posttiot'I ' a•ciistodsa�n_of the crbditor'sk+oaks and'recc rds;tuid arri"aware of the,'prod of the sate and assigurtmt of - •elect�anicallj+stci`r+Ed business rrtbfids: ,� � _ - - - .'fln or'about Noveiuber 22,2a11',-,FIA Card,Sem es,1V.A:;--sold a pool of cha-rgeo-of�'accoti iu{the Accounts_ y a . , . 'Cr+ed"t Card ilctsoiuit P,%rchase..A,grreranent and'a Bill-af Sale.to;Asset Acceptance,'I:LC`-;. ' . , :As-part of the sale of tht"Acoounts,elextionrc'records and oklits records mere trausfaicretl on indtvtdual-Accourits to the debt buyer."Thesirtc t4were kepi is t1 'ordittarycourse ofbusiuess of FIX Ce#d"Seivicca,A.A.`; I art dat`aware of snyyesrorsin these-accounts r'etiating<to the accowt balawA as ofttie'elositiediii'of the sale: The above statchic6ts are we to:thc besi 6f my knowledge. Signed;dris l"day of Dcgi i ber,2011. , -P@Iicciaro Swnrn-befoi-i the tisia y "� Y of_ ` •• `�' (Notaiy sump) a Bulk'Salc"11J18111 . ,. CERYMF ATE OF CONFORMITY FOR•NOTARY MOLLY-MCNATT ;°T}awal F7emiug,as attoftey ut-law addutted to practice in' 1 Stbtc of Dell tware an�i'fully scqua tcd'witk'tea laws af�rl 5tat aUelawaiie pertainiag to tk4t aelmc v#'eslgmea�t or pzoof Of d& of resf�prtpaitjr to tta r eta th cr�u,dq lsorcby certify that act3u1yriaLfird to mulct thsa certificate;if caafiormrty sird twt tLc eanowledgamenF grc�cf tan the affidavits of raa vwera taken by Mf17 Y MC NATT notaiy pubtic ict'the S� of l�claWIN in ei6 bed by` the lave of t!�'Stste;cf Delaw.aad 4�ifo ms to t6 laws thereof is aU respects, _ II?V✓I'PNES3°VNIiER£O>,I lrgve hereunto set roy stguatt".art No tnbcr 1`, 011 —.., r _ 'Attorney at Law.State ofDe:taivera 11/2612012 12.00 AM SCHEDULE A CLIENT-BANK OF AMERICA ACCTS FROM CLT NAME SPOUSE NAME AMOUNT )000 X)= $999999999,99 $999999999,99 $999999999.99 $999999999.99 $999999999.99 $999999999.99 $999999999.99 $999999999.99 $999999999.99 $999999999.99 xxxxxxxxxxxxxxx $999999999.99 $999999999.99 xxxxxxxxxxxxxxx OOOCxxxx $999999999.99 $999999999.99 $999999999.999 4800113081731635 AMANDA D HENNE $7,528.46 $999999999.99 xxxxxxxxxxxxxxx $999999999.99 $999999999.99 $999999999.99 )000000000000= xxxxxxxxxxxxxxxxxxxxxxxxxxxxxx $999999999.99 $999999999.99 xxxxxxxxxxxxxxx $999999999.99 $999999999.99 $999999999.99 $999999999.99 THIS IS THE INFORMATION REGARDING THE CONSUMER.ALL OTHER CONSUMER INFORMATION HAS BEEN REDACTED FOR PRIVACY PURPOSES AA 1008 Accowt No.: 12.2107764 BankofAmerica0�01 EXHIBIT C BILL OF SALE AND ASaI!28 ENT OF LQAN The undersigned Assignor(" ssi ")on and as of the date hereof hereby absolutely sells, transfers,assigns,sets-aver,quitclaims and conveys to Asset Acceptance,LLC,a limited liability company organized under the laws of Delaware(" s ee")without recourse and without representations or warranties of any type,kind,character or nature,express or implied,subject to Buyer's repurchase rights as set forth in Sections 8.I and 82,all of Assignor's right,title and interest in and to each of the Loans identified in the 1nan..5chedule attached hereto(the"L—oam"),together with the right to all principal,interest or other proceeds of any kind with respect to the Loans remaining due and owing as of the Cut-Off Date applicable to such Loans as set forth in the Loan Sale Agreement pursuant to which the Loans are being sold(including but not limited to proceeds derived from the conversion, voluntary or involuntary,of any of the Loans into cash or other liquidated property). DATED.March 26,2012. ASSIGNOR.FIA CARD SERVICES,N.A. Name:Debra L Pellicciaro Title. Vice President Pau.3W-456.0438 Foot Agency 8uZk 2/22/12 Rank ofAmerun,Asstsales ftt, W rapes Min Rand.Newark,OR WM EXHIBIT B FEDERALLY REQUIRED AFFILIATE MARKETING NOTICE � Real Estate YOUR CHOICE TO LIMIT MARKETING HomeFocus Services,LLC The Bank of America companies listed(see below) Administrative Services are providing this notice. LaSalle Healthcare Administrative Services,LLC • Federal law gives you the n ht to limit some but not Merchant Services all marketing froze all, Sank of America BA Merchant Services,LLC affiliated companies. Federal law also requires us to LaSalle Merchant Services,LLC give you thin notice to tellyou about our choice to [-emit marketing firm all the Bank ofjA.werica affiliated companies. • You may limit all the Bank of America aMiated companies such as the baaking,loan credit card, insurance and securities companies,from marketing their products or eervi to you based upon your personal information that theme ive from other ni Bank of America compaes. This information includes your income,your account history,and your credit score. • Your choice to limit mar ti offers from the Bank of America affWated comp=s will applyy For at least 5 years from when you to us your choice. Before your choice to limit marketing offers expires, Cwiillll receive a renewal notice that will allow you to continue to limit marketing offers from all the Bank of America affiliated companies For at least another 5 pears. • You may tell vas your choice to limit marketing offers,and yy?u may tell us the choices for other customers wlso are joint account holders with you. • This limitation will not a ply in certain circuunn"nces,such as when u have an account or service relationship with the cf America company that is assrketing to you. • For individuals with business pWpose accounts,this limitation will only app to marketing to individuals and not nnarr to a bux-inesa. To llmlt marketing offers,contact us at 800.374.2632 Effective October 1,008 Banks and Tract Companies Bank of Americas,NA L S a Bank National Association Las a Bank Midwest National Association Credit Card Bank of America Consumer Card Services,LLC Bank of Fleet Credit America d Services,L.F. Insuurance and Annuities BA Insurance Services,Inc. Be=of America Agency of Texas,Inc. Banc of America bZhurance Services,Inc., dba Banc of America Insurance Agency General Fidelity Insurance company General Fidelity Life Insurance rampant' LaSa ServicM Inc. Services Brokerage and Investments RACAP Alternative Advisors,Inc. Bank of Anwrica Capital Advisors LLC Banc of America Investment:Advisors,Inc. Banc of America investment Services,Inc. Banc of America Securities LLC LaSalle Financial Services,Inc. L.T.S.'Dust Had a Fund Management,Inc. UST Securities rp. (continued) BANK OF AMERICA PRIVACY POLICY FOR CONSUMERS 2008 ahan information allows us to use information about your To learn more about how Bank of America mans�eea ATM, credit card and cheek-card transactions to identify Customer Information and what actions you can take, any unusual activit and then contact you to determine it Icontinue reeding. card has been lost or stolen. a dmument includes information about: tVe occasionally eceive medical or health information from 1. Making the security of information a priority a customer iG for example,a customer applies for insurance 2. Collecting your information from us. We also tray obtain information from insurance sup rt organizations not affiliated with Bank of America 3. Managing information about you tha>�repares and provide reports to others an well as to us. 4, Making gars information is accurate We � not share medical or health information among our 5. Honoring your preferences companies, except to maintain or collect on amounts, process transactions, service customer 'rreegqnests or perform 6. Actions you can take insurance functions to the extent perazittrxl bylaw. 7. Guarding your own information Managing information with companies at work for 8. Bank of America companies We may share any of the categories of Customer Information with companies that work for u iucludiaa This policy, covers Customer Information, which means companies located outside the United Mates. Au personal) identifiable information about a consumer or a monatfiliated companies that act on our behalf d receive consumes current or former customer relationship w► Customer Information from us are contraedua�%y obligated to Bank of.America. This poll is provided to you as re = keep the information we provide to them canf9identaal, and by the Federal Financial policy Law and applies to our to use the Customer Information we share only to provide companies identified in Section 7, Bank of America the services we asst them to perform.Theae companies may companies. include financial service providers, -such as payment 1. �n the security of information a priority proemiug companies, and nanfinanc:al companies, such as Keeping fnancial gg��,�'ormatian secure is one of our most check tng and data processing ca anise. a portaat re aasiboiiitiea We maintain hysical, electronic add Win,we may share any of the rasp as of Customer and procedural safeguards to protect r Informastiesn Information with Companies that work out isr order to Appropriate employees sure authorized to access provide nusarketing support and other services, such as a Information forhnasneea ppu��r�p+ es only. +Der amp are service pprovider that ciirbutra marketing materials I'hess bound a code of ethics that requires tial an3es may help us to market our awn products and treatment of Customer Information sad era subject to =sea or other products and services that we believe may ANN disci action if t fail to follow this coda, be of interest to %L Please note that some of our own 2.Collng information companies may provide marketing support and other We collect and use various types of information about you services fbr no as well and your accounts to service your accounts, save you time Shaving nformation with third parties (for customers and money, )setter respond to your needs and our with e~rsdit card sad Sponsored Amounts) business and risks. Customer Information is ca fn We may share tion Information, Transaction and the following six we-". ence Information, as well as Other General A. Identification Information - information that i e tafie In�forrmation we collect about each of your (1) Bank of u, such as name, address, telephone number an = America credit card account(s) (2 Sppensored Accounts oecuritr number. at Bank of America,with selected partiees. B,Application Information- information you provide to us on applications an other means the will help gas 1. Credit c account information, whether co-branded or detenoiae if you are for products you request. not may be shared with third parties. Earamplea include assets,iztcome and+debt. 2.gp+oniored Account information may be shared with third C. 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Financial services companies(such as inaura m for a product or service, agencies or companies and n9rt a bra and As required by the USA PATRIOT Act, we also collect cs�rgaaizations with whom we boon aeementa to infoarm ition and take actions necessary to verify your Nmnf' market financial"roducts); identification. . o anancial companies astach as retailer travel 3. Ildamagizxg information companies and,membership organizatiians;and Idanagin information within Bank of America Other companies(such as nonprofit organizations). Bank of America is made up of a number of comppani �, The sharing of information, as described in this section, is including financial service providers,such as our bro7cerage limited to credit card and Sponsored Account information. company and credit card company, and nonfirsaacral Please see Section 4, Honorm !our preferenceus to learn ' co. pastes, such as our operations and servicing how you may to opt out a�ilea sharing. ` subildiaries. 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To receive the under Managing information with companies that most upp-to-date Privacy Policy, you can visit our Web site work for us;and at:bankofamerica.coml;rivacy or call us at 1,888.341.5000. • With other financial companies with whom we have joint ma agreements. 7. Sank of America companies if you have multipfe credit cards or Sponsored Accounts, This Privacy Policy applies to the following Bank of America you will need to expressyo ur preference for each account ce anies that have uun*m�r customer relationships: separately. When aa�p caatotner on a joint account requests and Trust Companies that we not share with third partiea, that preference is Bank of America,N.A. applied to the entire account Bank of Ameirka Trust Company of Delaware,N.A. Suring among Bank of America companies Uni States Trust Company, A You may �request that Application Information, Consumer TI.Suat Comtaany of Delaware Report Wormation and Information from Outside ;sources Credit Card not be shared among Bank of companies. , ]3aal�Of'America Coaaumer Card Services,LLC For sharing among Bank o America commppa�nies, each Bank of Amerirea customer may tell us his or her references individually,or Fleet Credit Card Services,L.P. you ma tell ua the preferences for any other customers who MBNA America are joint account owners with you. Brokerage and investments Direct marketing BACAP AUternstivo Advisors,Inc. Yon may choose not to receive direct marks offers-sent Bank of America Capital Advisors L by postal mail, tele�pphone and/or a-snail - Bank of Benc of America ce Services. America. T ess preferences appIX to all marketing offers Banc of America Investment Inc. i3rom us from companies wbiking for us. To minimize Bono of America vestment rvices,Inc. the amount of tetavhcme solicitation our customers receive Banc of America Securities LLC Bank of America does not offer nonfinancial products and Col la I4lanagem alit ra,LL service through bet ho solicitations. Direct marketin Columbia Management lm=rs, nc offers from us may iuctude information about products and Columbia Wenger Asmaet Management,L.P. services we believe may be of interest to you. CTC CoT� c. If you elect not to receive direct market offers by postal Maraico ap LLC mill telephone andfor e-mail, please iii that we may LIST Advisers,Inc. continua to contact you as necessary to service your account U.S.Trust Fund Management,Inc. and for other nonmar p sea. You may also be U Securities contacted by your clientao=p manager or assigned Pte Ridge Investmient Advisors LLC account representative„if applicable. Hank of America may Insurance and Annuities also continue to provide marketing information in Agency,In . re ar account mailings and statements, including online hsaurince&rvicea,Inc. am 3 ATM Comm ut tioncs. Banc of America Agency,LLC Each customer may opt out of each direct market' on Banc of America Agency of Nevada, individua y Since markets may already in Banc of America A icy of Texaa,hm progress, it ma take up to 3 w�for your pctatal mail Banc of America Services, Inc., dba c of opt-out to be effective. W on you opt oat of direct America Insurance y msrke b p mail or to phone, your opt-out will Banc of America Corpo a Insurance Agency,LLC last for eve IS) years.After that,you user choose to renew General Fidelity any ur ,-out or another five-year period. General Fidelity a Insurance aly 5. Aciona you Cara take Ream Fstate Yost to us your preferences by: HonieF a Services, C ote,41 na at�bankafaMAia.com/prtVs and Nano t I+troanciat rvlcoo Corporation entering your information on our secure Web site For a current list of Bank of America companies that have • Calling us toll free at 1.&88.341.5000 consumer customer relationships and to which this policy Talking to a customer representative at a basking applies, please visit our Web site at center or to your client relationship manager bankofamerica.cogVri This ppoli ag lies to consumer 0. Guarding your own information customer s esta edi in he United States sad Bank of America recommends that you take the following is effective January 1 2008. 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Bureau of Go uasumer Protecction, Ito of the Nevada • Shred documents containing any sensitive Attorney General, 555 East Washmgtou Street,Suite 3900, I continued) Las Veggaaas,,NV 89101, phone number: 702.486.3lu.e-mail: BCP'IN F00i state.nv.ua Bank of America, P1 Box 25118, FLI-300-02-t37,Tam a,FL 33633-0900. For Vermont anf California residents only. The information sltaring ppractices described above are is accordance with fesera7 law. Vermont and California law place additional limits on sharing information about Vermont and California residents so long as they remain residents of those states. Vermont: In accordance with Vermont lase Hank of America wiU not share information we collect about Vermont residents with -companies outside of Bank of America, except as permitted by law, such as with the consent of the customer, to service this customer's accounts or to other financial institutions with which we have t marketing a ats. Bank of America will not s Application Information er Report Information and Information from du17"Sources about Vermont residents among the Hank of America companies except with the authorization or consent of the Verifiout resident. California: In accordance with California haw, Bask of America will not share information we collect about California residents with companies outside of Funk of America, except as permitted—by law, such as with the consent of the customer, to ae the,customer's accounts or to fulilil on rewards or benefit,. We will limit s4arm' among our companies to the extent required by applicable California law, Esusur nmw narc de du bttdad espa a trarsPs rtes to ® 2007 Bank of America Corporation. MM im SM M CREDIT CARD AGREEMENT .� YOUR CONTRACT W1TH US Promise To Puy,and.flow We Allocate Your Payments). We reserve the right to ch �g the terms of fl OTHER TERMINOLOGY Agreement an tune. as r leer described In t We will use the definitions described under the section section rifted We ay Amend is Agreement heading Words Used f? n In This Agreement or as otherwuze defined tot clue anent. If we use a capitalized WORDS USED OFTEN IN THIS AGREEMENT an term in Tula document but the do not define the tm in this document, the term has the meaning as used in your "Access check" means a check we provide to you to obtain monthly statement. credit on your account. We use section bead' (e.g.. Words Used O In This "Agreement" or '"Credit Card Agreement" means this emeno to organize big Agreement. The headings are document and any changes we make to this document from fare reference purposes only. time to time. HOW TO USE YOUR ACCOUNT "APR" means the correspondix dual Percentage Rate. You may obtain credit in the form of Balance Transfers, The APR corresponds to the I ai}y Periodic Rate D]PRI Cash Advances, and Purchases by using cards, acct, which is calculated by dividing the corresponding R by checks,your account number,or other credit devices. 365. "Balance Transfer" means a transfer of funds to another "Card" means all *9 credit cards we issue toyo n and to credits initiated by us at your request.A Balance Transfer any other person with authorization for use on this account does not include a transaction that is otherwise a Cash pursuant to this Agreement. Advance. Balance Transfers include Transaction Fees and *Default Rate" means the APRs) which tasty be applied to acilustmenta associated with any Balance Transfer Balance Transfers, Cash Advances, and Purchases without "Cash Advance" means the use of your account for a loan further notice in certain instances of your default, as obtained described in the section titled,Annual Percentage Rates 1. at an automated teller machine("ATM Cash Advance"); `Foreign Transaction" means any transaction made in a 3• by a transfer of funds to a deposit account initiated by, foreign currency (including, for example, online purchases us at your request. ("Direct Deposal"). A Direct Deposit from foreign merc to). does not include an Overdraft protection Cash Advance "Grace Period" means the period of time during a billing or a same day online Rands transfer, sc�� le when you will not accrue Periodic Rate Finance 3. at any u institution instituton (e.g., to obtain cash, money Charges on certain transactions or balances. orders, wires transfers, or travelers checks), by a same "New Balance Total" means the total billed amount as of day online funds transfer to a deposit account, and at the Closing Date of a billing cycle, as shown on any non-financial institution (to obtain cash) ("Bank monthly sta ment. To determine the New Balance Tuts we start wi the total balance at the beginnin&of the Cash Advance"), billing cycpe,whit s the 1"h um.add nt",aee 4. as part of an Overdraft Protection Program -- a Advances, �a Transfers, Purchases and Adjustments tra of � to a deposit account pursuant to an and frtaace p program C'Overdraft Protection "Pay in Full"or"Paid in Full"means payments and credits Cash Advance"); in a billing totaling at least'your previous billing 5. to buy"Cash Equivalents" (i.e.,foreign currency,money Zee New B�cte Total. In general, Pay in Full must be orders or travelers checks from a nonfinancial Period. institution,the Payment Due Date is order to get a Grace institution, or person to person money transfers, bets, lottery tickets,casino gaming chips,fines or bail bonds) "Promotional Offer" means limited time introdor with your card; pprornational offers on certain Balance Transfers, 6. b an scenes check gn Advances or Purchases at APR$ that are lower than the y you sip as drawer ("Check Cash Standard Ratea for those features Rates'?and Advance); may 1�e tr:other conditions.Promotional C?flers mayy 7. for any payment you make to us that is returned to us also encl a Itmitted time introductory or promotional transaction frees C'Promotlonal Fees") wtWde may be r unpaid for any reason, including the related finance or lower than the standard fees provided in the ie chargea C'Returned Payment"). titled Transaction Fee lYnance Charges "Standard Rate" means the APR(a) normally in ef'f'ect for "Cash associated with aincludes ah Transaction e, lresa and adjustments Balance Transfers,Cash Advances,and Purchoses. "We". *us" "our", and "FSACS" means PIA Card 3ervi "Purchaso" means the use of your card or account number cis, to: NA.also i'Cnown as Bank.of America. 1. buy or lease goods or services; "You" and"your"' mean earl►and all of the persons who are •2• buy wire transfers from a non-financial institution granted,accept or use an account we hold."You"and"your" ("'Wire Transfer Purcham*); also mean any other person who has guaranteed payment of 3, tasks a transaction that is not otherwise a Casa this account,when used in the sections titled Your Contract With Us, We May:Monitor And Record Te done C and Advance. Arbitration and Litigation, and when ve in each the sections relating to payment of this account (e.g., Your "Purchase" includes Account Fees, as well as Transaction' a ' (continued) Fees and adjustments associated with any Purchase. 2008 then this Promotional Offer will ally to eligible transactions posting to your account hrough yogi ANNUAL PERCENTAGE RATES statement Closing -Date in February 2009 and this This section rovides the Standard Rates,Default Rates and Promotional Offer will end on your statement Closing Date Promotional f#'ers applicable to your account. in February 2009.If an eh bie transaction does not poat to us mount by your st emcut Closing Date in August Balance Transfers: The Standard Rate for Balance Rios, then the Promotional Offer will end on your Transfer balances is a waresppaading ANNUAL statement Closing Date in A Check gash PERCENTAGE RATE of 9.9+0%(0,027123 DPR), Admen bearing Offer ID H6RH13 X 7 and Direct Deposits which go this Promotional Offer will post to your Celsh Advances: The Standard Rate for C:aah Advance account as Balance Transfers, balances is a come on ' ANNUAL PERCENTAGE RATE of 24.99'l�(O.Usi�466'iF DPA). During the time in which you it __matte transactions under this Promotional comer, they Wbe Purchases: The Standard Rate for Purchase balances is a subject to the following Promotional Fees: correslsonding ANNUAL PERCENTAGE RATE of 9.9096110.02'112396 DPR). Balance Transfers, 8,006 of each such usl' transaction (Pee: Min. $10.00; Maas. $99.00) (F�NACIs� Default Pricing: We may increase the APRs on all new CHARGE). and outstanding Balance Transfer Cash Advance, and Purchase balances up to the Defaal't Rate, without angg This Promotional !offer may end at any time if there is a you additional notice, each time �a have two " efva, "promotion turn-off event A pzo� = turn-off event re- ricing events" in twelve rolling consecutive iilirag mesas: { ) that any Total Minimum Pa t Due is not A default r!P'rxM�� event means: (11 you fail to received by its, Payment Due Date; or 1z) that your total make any Total Minimum Peyma�t Due by its Payment Due outstanding balance exceeds your credit limit on an Date; or (2) your total outstanding balance exceeds your statement Closing Date. if a__promotion turn-off even credit limit at any time in a billing cycle We may elect to then this War will end as of the Srst set ' MIL for G lance anater, Cash Advance and delayy a>�that b g cycle.This means that this Promotional Pw�balances to Arent Default Rates.Default hates I%L will not in effect in that billing cycle. are variable rates calculated umng the Variable, Default Rate formula with a of up to 23.99 percent Promotional Offer ID HO C; The Promotional pppp�tr this ntl�r rein a Barre�oond" AN1�7X Rate for this Promotional Offer is a c oa ` NOW PER t:�i"I"AGTRATIt of 29.249610,0801 AMPR). Each. ANNUAL PERCENTAGE RATE of 1—"% €�td52 such APR increase will be effective as of the first day of the DPR). billing cycle in which the am-ad default re-pricing event occurs. with each additional default re-p g event we This Promotional Offer applies to pPurchases each at least will again determine whether there have been two dei�ault 500.0 (each an "eligible traneaction"for this Promotional re-ppric�ngg events in the preceding twelve consecutive billing er). cyclee. All Default Rates will 'remain in effect until you make each Total Miniu mn Payment Due by its Payment Ibis Promotional Offer applies to new eligible transactions Due Date Ord do not exceed your credit lixni far slur b�on was 9,2r0 ff'an eligible transaction pets to consecutive bzfling starting with the firms billin��gg cycle youur account by A t 1,2008 then this Promotitmal Offer after flee Default rasan effect.At that time we wilTlower will a ply to eligibtaranssctions to your account the margin for each of these variable APRs by at least two trrsua your statteement Ci ' Da in anuary 2009 and ==Rates.a points. These will be your new variable ties iromotional Offer will on your statement Closing Standard Ra� Date in January 20 09. If an eligible transaction does not post to your account by August 1 2008, then the Promotional Offers: Promotional Offer will end on August 1,iii From time to time we may make Promotional Offers on certain new Balance Transfers Cash Advances, and This Promotional Offer may end at a time if there is a Purchases. When a Promotional Mer ends,its Promotional "promotion turn-o@' event. A promotion turn-off event Rates will terminate.Any Bolan "transfer Advance paeans: (1) that any Total Mi txm P ut Due is not or Purchase balance sub ect to t t Promo�io2411 wilt received by its Payment ate, or t ur total return to its respective Standard Rate or Default Rain as outstaund€% balance Ii on any your credal f applicable. statement Clo " Date. If a �proamotioan turn-off event Check Cal Advances and Direct De occurs then this motional ORer will end as of the first Cash Deposits are Cash day of that billing cle This means that this Promotional Advances. However if Check Cash Advances or Direct Rate will not be in affect in that billing cycle Deposits are id iatifa'ed in the Promotional Offer as"postira� as a Balance �ransfer" and qualify for the Peaiional Promotional Offer TD BSBHHH7MD: The Promotional Offer then the resultinf motional balances will be Bate for this Promotional Offer is a correamudum included in the Balance er balance and will ggeet the ANNUAL PERCENTAGE RATE of 1.9996 ( 515 Balance Transfer Standard Bate or if applieable, the DPR). Balance Transfer Def ult Rate when tine Promotional Offer ends, instead of the Cash Advance Rata. In addition,these This Promotional Offer applies to Balance Transfs�,Direct transactions will get the Balance'transfer transaction fee if Deposit Cash Advances and Check Cash Advances hearing they gwdify for the Promotional Offer. this Promotional Offer ID(each an"eligible transaction"for Offer). Promotional Offer ED $SBHHH7MB: The Promotional this Promotional. Rate for this Promotional Offer is a corressppondin This Promotional Offer applies to new eligible transactions ANNUAL PERCENTAGE RATE of 1.9996 (0. 52 beginning on June 13, 2008. If an elt�ibls nsaction posts DPR). to our account by your statement Lie yy Pro sing Date in August 2008 then this motional Offer will ap to eligible This Promotional Offer applies to Balance Transfers Direct transactions Deposit Cash Advances and Check Cash baring statement Closing iin M c�3a 2(�S awd this Promot:a»al this Promotional Offer ID (each an"eligible transaction"for Oiler will end as ur statement Date in March this Promotional Offer). 2009.If an eligible Your does to�your account by your statement G7osiag Date in August 2008, then the This Promotional Offer applies to new eligible transactions motional Offer will end on your statement Cl Date be Pin* oar M , 18, '2008. If an a transaction posts in AW 2008. Check Cash Advances bearing 0 er ID to your account nY your statemennt g Date in August H6B 7MD and Direct Deposits which got this Promotional Offer will post to your account as Balance variable raters is S.2 % and was determined on dune 3o T rannsfere. 2008 , During the time in which you m make qu 6,4 An increase or decrease in the Index will cause a i transactions under this Fromatioaai i fer, tray ba corresponding increase or decrease in your variable rates on subject to the following Promotional Fees: the first day o ppour billing cycle dust begins in the same month as the etermination date.An in �aae in the index Balance Transfers: 3.00% of each such(F NA means that you will pay hi er ,periodic rate finance transaction (Fee. Min. $10.00, Max X99.00) (Fcr 17 and have a higher Tota�Mimmum Payment Due.U CHARGE). all Street Journal does not publish the U.B TWI . ar c ages definition of the U.S. Prima te, This Promotional Offer may end at an time if there is a we may,at our sole discretion,substitute another index. "promotion turn-off event A promotion turn-off event means: (1) that any Total Minimum Payment Due is not CALCULATION OF PERIODIC RATE FINANCE received by its Payment Due Date, or (2) that your total CIIA�GES outstanding balance exceeds your credit limit on any We calculate Periodic Bate Finance Charges by multiplying statement Closing Date. If a �ppromotion turn-off evert each Balance Subject to Finance Charge by its applicable occurs then this Promotional Offer will end as of the #last DPR and that reach b the number of days in the billing da ot'that b'lingcycle. This oeeaxas that this Promotional le. Wbea Periodic state Finance Charges scenic on a Rage will not is effect in that billing cycle. Balance Tiransfer,Cash Advance or Purchase balance, those finance char become part M that respective Balance Froxnotional Offer ED Ii8BHFZ7MF: The Promotional Transfer,Ca Advance,or Purchase balance. Rata for this Promotional Offer is a correspondinn�g ANNUAL PERCENTAGE RATE of 1.00% (0.0054525E BILLING CYCLE DPR). bilhedn� cycle ends each month on a Closing Date us.Each billing cycle begins on the day after This Promotional Offer applies to Balance Transfers,Direct the Closing Late of the revious billia cycle.Each moon Deposit Cash Advances and Check Cash Advances bearing statement a singe billing cycle. this Promotional Offer M (each an`eligible transaction".for this Promotional Offer). WREN PERIODIC RATE FINANCE CHARGES BEGIN TO ACCRUE This Promotional Offerspplies to new e' 'bie transactions Each new Balance Transfer and Cash Advance begins to beginning on July 13, 2008. If an bke nsaction pasta accrue Periodic to Finance G on its transaction Syyoauurr account by state t osnn�_� Date in date. Balance er and Advance balances eptembera2008 then Promotional Offer ws�l a ply to remai from previous billing cycles accrue Periodic Rate ell 'ble transactions oaten to your ac+o t our F'inancn a ba from the first day of the billing cy+ele.The eta sment Closing Dapte nn 1pril 2009 and[t nis 1'mm�nal transaction for Check Cash Advances and Balance Offer will end on your statement Closing Date in April "Transfers made by check is the date the check is first 2009.If an eligible transaction does not post to your account deposited or caahed. The transaction date for a Returned b your statement Closing Date in September 200 then Payment is the date that the corresponding payment posted tine Promotional Offer end on ur statement os?n8 to your account. Date nxn Se tember 2qq Check Cash Advances bearing Off er Ll} fi Xi71 and Direct Deposits which get this Unless subject to a Grad Period,each new Purchase b Promotional Offer will post to your account as Balance to accrue periodic Rate Finance Charm an its transs Trannsfers. date or the first dayy of the billing cycle, During the time in which y__ later. Utale subject to a Grace enodPwsnrehaso date f tins under this Promotional t Leo rr, tthey Finance t`lrairge from previous k of accrue Periodic�Rata subject to the following Promotional Fees: When livable, Periodic Rate Finance eye Balance Trandera: $.00% of each such daily and compound daily on new balanr�� balances transaction (Fee: Mir. $10.00, Max $98A0) (AIM nemairninm previous billing cycles Periodic Rata CHARGE). Finance will continue to accrue even though you have pal¢ the full amount of any related balances because This Promotional Offer may end at tte�r time if there is a we molt any accrued but unpaid finance charges in the "promotion turn-off event, A promotion turn-off event calculation of each Balance Subject to Finance Ch&p. means: (1) that any Total Minbh Pa t Due is not received by its Payment Due Date; or that your total Your Payment Due Date will be at least 20 days from your outstanding balance exceeds your credit limit on any statement Closing Date. statement Cl ing Date, If a romotion turn-off event occurs then this Offer will end as of the first GRACE PERIOD day of that billing le. Thus means that this Promotional You do not have a Chace Period for Balance Transfers or Rate will not be in ect in that billing cycle. awe r, a Advances, You will have a Graces Period an new promotion turn-off event occurs IgMtthe bills c e L of mambases,in a billing n which you P m from mcludes August 13, 2008 then this motio flex will the day after the Pa in date until the en� that end an the last day of that billing cycle- bhng cycle. You wvlll have a Grace Period for an entire b` ` g cycle on new Purchases and on Purchase balances VARIABLE RATE INFORMATION remaining from previous bills ,es if you Pay in Full by We will use the following variable rate formula for variable the Payment Due Date in t}� illin�cycle cad if daring Standard Rates, v�uaaFnie Default Rates and variable the previous billing cycle you Paid in Promotional Rates. All variable rates are calculated b radrag to atlrer an index and amain For each variabiyt CALClMA7ION OF BALANCES SUBJECT TO te,lire applicable margin is disclose above in the section FINANCE CHARGE titled,Annual Percentage Rates. Averse Balance Method (including new $glance Transfers and new Cash Advancesne We calculate This index is determined on the last business d_ay of each separate Balances Subject to Finance Charge for Balance .month Cdeterminatioon date") and is the hem U,S. Prime Transfers, Cash Advances, and for each Promotional Offer Rate as ublished in the"Mosey Rates" on of The Wall balance consisting of Balance Transfers or Cash Advances Street ournal at any time within the imme"'diel-etY by. (1) calcula " a daily balance for each day in the preceding ee=aaanths, including the month in which the current billing cyc e; (2)calculating a daily balance for each index was determined. The index used to calculate these day prior to ties current billing cycle that had a"Poe-Cycle (continued) balance"--a Pre-Cycle balance is a Balsam Transfer or a the U.S, dollar amount of each such Cash Advance (Fee: Cash Advance with a transaction date prior to the current Man.$10.00), billing cycle but with a sting date within the current bill' ,��y-�a; {3) adding aII the dall�yy balances to thee;and If you obtain a Check Cash Advance, we will a a Y1 the sum of the daily WEncaa by thenumber of transaction fee (FINANCE CHARGE) to 3.00% of ys in the current billing cycle. the U.S. dollar amount of each such CaAdvance (Fes: To calculate the daily balance for each day in the current Min.$10.00). billia cycle, we take the h niag balance add as amount If you obtain a Direct Deposit, we will assess a transaction _q to the applicable Dat _ Pesiodfc wire multi multiplied by fee(FINANCE Cwh G equal to 3"%of the U.S.dollar be revious day's daily balance, add new Balance amount of each such h Advance(Fee:Min.$10.00). and era, Cash Advances and Transaction Fees, and subtract applicable payments and credits. If any daily If you make a urea Transaction we will sawn a balance is era than zero we treat it as zero. transaction fee (I NAi CE CHARGI equal to 3.009E of the U.B. dollar amount of each such oreign Transaction. cu calculate a daily balance for each day prior to the This is in addition to any other applicable transaction fees. current billing cycle that had a Pro-Cycle bah we take the beginning balance attributablo solely to a l e y if you obtain an Overdraft Protection Cash Advance,we will balance which will be zero the traasachZ-data sawn a b%usaction fee (FINANCE CHARGE) to associate with the first Pre-, [a balance) add an amount 3,0091 of the U.S.dollar amount of each such Cash Ad ai►ance equal to the are� le D ' Periodic Rafe multiplied by (Fee:Min.$10.00). the previous daily cc�, and add only the a�a livable Pre- alances,atheir related Transaction If you make a 'Wire Transfer Purchase, are will eases$ a Flees. We each om this calculat ion all transactions transaction fee (FINANCE CHARGE) equal td 3.00% of posted in previous billing cycles. the U.S. dollar amount of each such Purchase (Fee: Min. Average, Dail Balance Method (includisag new $10.00). Purchases): a calculate separate Balsams Subject to ACCOUNT FEES: The follow' fees are assessed as mom U00 Charge for Purchases and for sack Promotional Purchases in the Billing Cycle in the fees accrue:. �er balance consisting of Purchases by: {1 calculating a XEM daily balance fbr y in the current billin �, (2) A Late Fee if the Total Minimum Pa adding all the daily balances ther, and (3}} 4 ° ' the yourr months statement 3s not recelvad by us own or before sum of the daily balances by a number of days an the its Payment Due Date.On the Late Fee transar.tioa date: current billing cycle. a if the total outste di balance is$100.00 or lees, To calculate the daily balance for each day he Late Fes will be$g bbl; y in the current . if the fatal outstanding balance is grater than �Cycle,we take the gg b�alance add an amount 100.00 but$260.00 or less,the U Fee will be to the applicable Da Pet3odic Rsfae multiplied by 129.00; t the previous day's daily balance, add, unless subject to a . it total outstanding balance isireaterthan Grade Period now Purchases, new Account Fees, and new $250.00,the Late Fee will be Woo. Transaction Pees, and subtract applicable payments and credits R any daily balance is loss um zero we treat it as A Returned Payment Fsou�.00 if a payment on your zero. If in the current b" a ay in Full then on account is :realized for ' nt funds or for any other the day sitar that Pay iinny�,�da Cu, we exclude Yom the reason, even if it is paid upon subsequent presentment (if beginning balance new Purchases, new Account F and we elect to re-present the payment). new aisactiou Fees which posted on or before the Pay in Felt date. A Returned Access Check Fee of$39.00 if we return an We include the costs for credit carts debt cancellation or i sees"check unpaid far any reason,even if the acce�check credit insurance purchased through ua catc tiny the upon subsequent presentment Purchase balance for the first lay of t�e billing A Copy Fee of$5.00 for each copy of a monthly statement or cy a after the billing cycle in which such costs are billed, sales draft, exmept that the = meet recent monthly MINIMUM FINANCE CHARGE statements and one sales draft will be provided for free. If the total of the Periodic Rate Finance C for all An Abandoned Property Fee equal to any costa incurred by balances is lees than 1.50, then a minimum WINCE us for c= with state abandoned property laws,unless CHARGE of 1.50 will assessed on the account in lieu of prohibited y applicable,law. any Periodic late Finance Charge. OVERDRAFT PROTECTION TRANSACTION FIE FINANCE CHARGES if your checking account with Bank of America is linked to We will ricers the following Transaction Fees to your this a t, this overdraft protection feature wilt allow Account in the same balance category to which the funds I transferred {"overdraft ppro�tection transfers transaction is posted: from this account into your desipated account with Bank of America ("chic king aecaun when If you obtain an ATM Cash Advance, we will assess a transactions occur nn fur checking account,such as checks transaction fee (FINANCE. CHARGE) to 3.00% of or other debits, that if paid would cause the checking the U.S. dollar amount of each such Cast Advance (Fee: account to be overdrawn ("overdraft tranaaactions"), Min.$10.00). Overdraft protection transfers include automatic transfers to cover checking account fees. Overdraft protection If you obtain a Balance Transfer we will assess a transfers are processed after close of business Monday transaction fee (FINANCE CHARGt) equal to 3.00% of through Friday and are treated as Overdraft Protection the U.S.dollar amount of each such Balance Transfer(Fee: Cash Advances. Each day's overdraft transactions will be Min.$10.00). totaled and rounded to the next $100 ( 5 if gc u- opened your checking account in Washbi or daho- 3 if your If you obtain a Bank Cash Advance, we will assess a checking account is opened with�alitary �t transaction fee (MANGE CHARGE) to 5.0091 of u to your available credit limit,regardless of who initiated the U.S. dollar amount of each such CashAdvance (Fee: tips overdraft transactions. For example, if your checkiz� Min.$10.00). account has a balance of$1.00 and.a check or other debar item for$125 is presented for pa nt,which if paid would If you obtain a Gash E uivalen ) equual to 3.00% of Prot we will assess a cause checking account to overdrawn, an overdraft transaction fee (FINANCE CHARD :lion transfer of$200 will he made to your checking account and an Overdraft Protection Cash Advance of;200 If you permit any person use your a ace"I checks, will post to this account. The amount of available credit on account number or other croofZt card, with the thin account must be sufficient to cover the total amount of authorisation to Atafn credit on your account,you may be overdraft transactions (received by Bank of America that liable for all tra ions made by that person including g day) rounded to the next$100 increment(but excluding any transactions for you may not have intended to be overdraft protection fee)• otherwise one or more of tha liable, even if the amount of those transactions causes your overdraft transactions ?or that d X will be rejec ted. credit limit to be exceeded.Authorized users of this account However, if the available credit on t� account is greater may have the some access to information about the account than the overdraft tra ion, amount, but the available and its use the account holders. We may send account credit is insutBcient for twoverdraft transaction amount to materials (cards, statements and notices) to any liable be rounded to the next$100 increment,then the amount of ?arty, and that person will be responsible for delivering the overdraft transaction will be rounded to the highest hose materials to the other liable p ies and authorized whole dollar amount of your available credit. (And in such users.Notice to any of u will be coheMi red notice to all of an event, the accrued finance charges may result in an you.You way allow authorised users on your account in the Overlimit Foe.) We may permit or refuse to permit an�* following ways: (1) by notifying_us that you want someone overdraft rotectiaa transfer that would cause yo p to exceed added to your account as an an user- (2) by lending the credit limit on this account;but if we permit it,you may your card or account number to another;or W by any other be assessed an Overlimit Fee during the billin�gs cycla in ways in which you would be legally considered to have which the transfer occurs. soverdraft prmoctton feature sV6wW another to use account or to be will automatically be canccol if this account is clawed by prevented from denying you did so. You must either you or us, or at any time upon your zequest Your Bereft* before you allow anyone to become an authorised overdraft transactions remain subject to the terms of user. By doing so, you authorise the parson to use your checking account with Bask of America, any re ate account to the same extent you cave including but not enrollaieat agreement,and this Agreement. limited to making any purchases. cash advances, balance trauders and allowing others to use your account. Your SIGN YOUR CART? account does not permit you to limit the nature or amount You should sign your card before you use it of authority yyoou give to any authorised user and you will not attempt to do so. An authorised user's authority will WE MAY MONITOR AND RECORD TELEPHONE continue until you both notify us that you are terminating CALLS the authority and you Physically retrieve the card. If you You consent to and authorize Bank of America, any of its cannot retrieve the card, you wiII remain liable for any affiliates, or its marketing associates to monitor and/or transactions that we cannot prevent after you notify us. record any of your telephone conversations with our representatives or the representatives of any of those YOUR PRODUSE TO PAY companies. Where u have_provided a cell phone number You promise to pay us the amounts of all credit you obtain, directly to us,or pm ed a cell phone call to u�s,you consent which inclu es all Purchases, Cash Advances, and Balance and agree to accept collection calls to your cell bone from Transfers. on also pro to pay us all the amounts of us. For an telephone or call phone calla we place to you, 5nanc a charges, fees, an other transactions we charge You consent,and agree that those calla may b e automatically to your account. If a bank branch or office sponsors your dialed and/or use ivi carded messages, amount,you promias to pay it any unpaid account balance it pays us within 30 days. CREDIT ORTING GENCIES;COLLECTII4G AND SHARING ORKATI�N PAYMENTS ON YOUR ACCOUNT You authorise us to collect information about y"in order You must pap each month at least the Total Minimum to conduct our business and deliver the top gntality service Payment l7us shown an moo statement by its you expect, including information we receive about Psynsent Due hate.Your Payment Due Date#m from information we receive from third ea such as cred month to month. Payments must co m%rfu the rel orting ageneisa and information a�your transactions requirements set out on that monthly statement; these with us ant other ea. You authorise us to share requirements ma vary without prior notice. You may pa such information au or your account with our the entire amoun�you owe us at any time.Payments made affiliates and others..You may have the right to opt out of in any billing cycle that are greater than the Total some information sharing. For more details, please refer to Minimum Pa nt Due will not a8ect obligation to our Privacy Policy. or theei�e a�TWdit balance Payment�t d R you a U you believe we have furnished inaccurate or incomplete pay interest on such amounts �4a wtil paywm e that information about you or ppoou� r account to a credit repo are not drawn in U.S. dollars and tl drawn on a asenc write to us at- FIA Card N.A., Cr financial inatatution located outside of the United States. Reppoa as P.O, Box 17054, ngton, D We reserve the right to set any psymneat if your account 19 884-? i'ncdude your name,address,home phone has a credit balance as off day we receive=payment number,and account number,and explain what you b>$liae a Con , credits to your amount, such as those generated 119 inaccurate or incomplete. by eta or by person to-person tram'e re r,a not treated as payments and will an reedduce your Total PURPOSES FOR USING YOUR ACCOUNT mum Payment Due. You may use your account for personal,fief ty,or household purposes, You may not use your account for business or ACH PAYMENTS commercial�ppurposes.You may not use a Balance Transfer, We process most paysnc nt checks electraaieally; We use the or Check Cash Advance, or any other Cash Advance to information oa to create an electronic funds make a a t on this or any other credit account vviti us transfer. Each you sand a authorise a or our rtes.You may not use or your account to one-tune electronic funda transfer.Y lsooaauthorize us to be to make any illegal transaction. You will only use process your check as a check or paper draft,as nee your account for transactions that are legal where you F+mds may be withdrawn from your account as soon as the conduct them. For example,Internet gambling transactions same day we receive your payment. You will not receive may be illegal in your state Display o a payment card logo your cancelled check baecause we are required to destiny it. by an online mnerchant does not mean that an Intern at a will retain an electronic copy. For more information or transaction is legal wbere you conduct it. We may charge to stop the conversion of your checks into electronic funds your account for such transactions. We will not be liable if transfers,call us at the phone number Bated on the front of you engage in an illegal transaction. We may deny your moo statement. You map also write to us at:P.O. authorization of any transactions identified as Internet Box 15019 Wilmington,DE 19860-6019. gambling. TOTAL KQGMUX PAYMENT DUE PERSONS USING YOUR ACCOUNT You may pay your total outstanding balance at any time. ,continued) Each billing .you must pay at least the Total Minimum elect to honor it upon presentment or return it uncredited Payment >�ue�wn an our monthly statement by its to the emu that resented it, without in either case Payment Due Date, The 'Dotal Minimum Payment Due is waiting r the date shown on the check. We are riot liable the sum of all past due amounts plus the Current Payment, to you-for any loss or expense incurred by you arising out of the action we elect to take. The Current Payment for each billing a includes three amounts: (1) 1.00%of your balance(yourrew Balance Total PAYMENT HOLIDAYS AND REDUCED PAYMENT except for any new Periodic Rate Finance Chargcu,and Late OFFERS Fee), and ( I new Periodic Rate Finance Charges, and (3) We may allow from time to time, to omit a monthly new Leta E`ee. Generally,the lowest it will be is$15.00.ti►e payment ors`reduced syment We will notify 1rou. round the payment amount down to the nearest dollar. If a wh eat hese options are available. If u omit apa yznent or payment is cre dited ke ur account but is returned unn�►aid make a reduced payment, finance appIIcable fees, an a later biilinj we will recalculate the Total and other regular transactions, if any, acxrue an Minimum Paymen j'or the billing cycle in which the account balances in aacc ordaacee with this Agreement, The payment was originally credited, reduced p_Syment amount any be less than your finance c es. You must awake the reduced p t on time to WHEN YOUR PAYMENT WILL BE CREDITED TO avoid a late fee. You must resume your regular YOUR ACCOUNT Total Minimum Payment Due each moa following a We credit payments as of the date received,if the syment payment holiday or reduced payment offer. is: (1) received by 5 p.m Eastern time; ( ) receive at the address shown is the upper left-hand corner of the front of WHAT Wit MAY DO IF YOU ATTEMPT TO EXCEED Ps" mthly statement; (3) paid with a check aawra iva YOUR CREDIT LIMIT U.S. dollars on a U.S. financial institution or a U .dollar The total outstanding. balance on your account plus money order; and (4) sent in the return envelope with o authorizations at any must not be nacre than your the Goy portion of your statement accompanying if. credit limit. If you attempt a transaction which resuns in Pa s received 5 p�ta. Eastern time an any your total outstanding balance (plus authorizations) inc�g the Payment hue-Date, but that otherwise miA esaceeding your credit limit, we may.� �{11 permit the the above requirements,•will be credited as of the next day. transaction without raining your credit limit; (2)peanut the for any other payments may be delayed up to five transaction and treat the amount of the transaction that is aye, more than the credit limit as immediately due;or(3)refuse HOW WE ALLOCATE YOUR PAYMEN',i�3 to permit the transaction. we will allocate to in the manner we If we refuse to permit the transaction, we may advise the determine. In amosi iaanstaaness, we will allocate your peraoa who attempted the hum*ctioi� that it has been paymeate to balances (including transactions made after refused. If we to permit a Check Cash Advance or your latest statement) with lower APRs before balances Balance r we do so by advising the person with higher APBs. This will result in balances with lower recant' the G u� i Can Advance or Balance efer AM (such as now balances with promotional APR offers) Ct =t has been refused' that there are nument being paid before any other Ong balances. fuada to pay tlea Check Cash A&a-uce or Balance Transfer. PRONaSE TO PAY APPLIES TO ALL PERSONS or in any*uw manner. All persona who initially or subsequaently rrequest, wept, I[we bare previously permitted you to e�cceed your credit guarantee or use the account are andividutallq and toget limit, it d<�not mean that we will permit you to exceed responsible for any total outstanding balance. If you and your credit limit again.if we decide to permit yquu to exceed one or more _ are response a to pay any total your credit limit which could ' r a promWon turn-oft'persons outstandin we may refuse to release any of yyoou event, we may also charge an t Fee as provided in Croon tiabililqy until all of the cards,access checks.and other this Agreement, credit devices outstanding under the account have been returned to us and you pay us the total wig WE MAY AMEND THIS AGREEMENT balance owed to us at sayiime under the termaou�o this We may amend this Agreement at any tine*.We may amend Agreement it by addax deletif, or changing provisions of this meat. a may increase or deerea any or all of your DEFAULT we may ' ace any or all of your APBs to rates You will be in default of this Agreement it W yyon fail to which exceed the��3efault Rate. When the amend this makes any required Total Minifuma Payment Dua its Agrepmeaat we will comply ith the applicable notice Payment Due Date•+y,_(2�,} your total outetan " b ance uirements of federal aid'Delawar a law that are in effect ; exceeds your credit UQt; or {{3) you fail to A by any stunt time.The a�mentlsct Awn (including anyy other term of this Agreement, Our failure to eaxercise any of rate or other higher cha><ges or fees)will apply to tlh .ota! I our rights when u default does not mean that we are outstanding balance, including the balance wing before I unable to exercise rights upon later default, the amendment became effective. If an amendment gives a you the opportunity to reject the change, and if you re;ec WREN WE MAY REQUIRE IMMEDIATE REPAYMENT the change in the rna*�P*provided in such amendment.we If you are in default,then in addition to our other remedies may terminate your right to receive credit and may ask you under this Agreement we can require immediate- ppaynseat to return all credit devices as a condition of your rejection. of your total outstanding balance and,unless prohibited by We may replace your card with another card at any tmne. applicebte law and except as otherwise provided under the tL^bitrution and Litigation section of this Agreement,we can WE MAY SUSPEND OR CLOSE YOUR ACCOUNT alsore�uire you to pay the costa we incur in any collection We may suspend or close your account or otherwise proceed-xng,as well as reasonable attorneys'fees if we refer terminate your right to use your account.We may do this at your account for collection to an attorney who is not our any time and for any reason. Your obligations under this salaried employee. Agreement eoatisiue even attar we have one this.You must destroy all cards, access checks or other credit devices oa OTHER PAYMENT TERMS the account when we requeaL We can accept late payments, partial ayments, or payments with any restrictive writing withou Idsin any of YOU MAY CLOStE YOUR ACCOUNT our rights under this Agreement. This means t no You may close your account by notifying us in writing or by payment, including those marked with-paid in dill-or with telephone, and destroying all cards, access checks or other an other restrictive words, shall operate as an accord and credit devices on the account. Your ob ties under this satisfaction without the prior written proval of one of our Agreement continue even after you have dame this senior officers. You luny not use a aced check to make a payment. If you do postdate a payment check, we may TRANSACTIONS AFTER YOUR ACCOUNT IS CLOSED This t is mad in Delaware and we extend credit When your account is closed, you must contact anyone to you m Delaware. A�ement is governed by the authorized to charge transactions to your account, sue as laws of the State of De aware without d to its conflict �( internet service pproviders, health clubs or insurance of laws principles)and ty any applicable Ueral laws. companies "These transactions may continue to be charged to your account until you change the billing. Also, if we THE PROVISIONS OF THIS AGREEMENT ARE believe you have authorized a transaction or are attempting SEVERABLE to use your account after you have requested to close the If any provision 0nt is found to be invalid,the account.are may allow the transaction to be charged to your remaining provisions this. continue to be effective. account. OUR RIGHTS CONTINUE REFUSAL TO HONOR YOUR ACCOUNT Our failure or delay in exercising any of our rights under We are not liable for any refusal to honor your account. this Agreement does not paean thst we are ratable to This can include a re ussl to honor your card or account exercise those rights later. number or any check written on your account. We are 120t liable for an retention of your card by us, any other UNAUTHORIZED USE OF YOUR CART) financial institution,or any provider of goads or services. Please notify us immediately of the lose. the or possible unauthorized use of your account at 1.800.?89.6 01. CHEC80U MAY STOP PAYMENT ON AN ACCESS ARBITRATION AND LITIGATION You may request a stop payment on an acres check b Tbis Arbitration and Litigation provision $ plies to you providing us with Ilse access check number, dollar arnuo in unless you ware gives the opportunity 1 reject the and payee exactly as they appear on the access cluck.Ora Arbitration and Litigation prsvisions an you did so reject and written stop payme fit from oasts on an access check are them in the manner and timeframe required. If you did effective for six mon tghe day that we place the stop re ct effectively such a provision, you greed tbat any payment. ]ilaEon bro fit�y on against us re this account ar this ea�oent eha�ll bo bscaught in aocated in the YOU MAY NOT POSTDATE AN ACCESS CHECK State of elaware. You may not issue a postdated access check on your account. If you do postdate an access check,we may elect to Any claim or dispute Maim") by either you or us against honor it upon presentment or return it unpaid to the person the other or a�aiiist the employees,agents or a of the that present to us for payment, without in either cane outer,arising tram or relating in any ws to thi=sweat wai in for the date shown on the acs check.We are not or prior meat or your a (whether under a liab� you for any lose or use incurred by you arising state , in cunvct, tort, or otherwise and whether for out of the action are elect to to money damages,penalties or declaratory or equitable relitf), PtZg uplectTRANSACTIONS MADE IN FOREIGN CURRENCIES taap If you make a transaction in a foreign currency, the transaaction will be converted b Visa International or MasterCard International, depending on which card you use, into a U.9. dollar amount in ac or+dance with ge the �aiver,which shall be��ed by a court. a crating regulations or conversion psroced in effect at tie time the transaction is processed. Currently, those In addition, we will not choose to arbitrate an individual regulations and procedures provide that the currency Claim that you bring against us in small claims court or an conversion rate to be used is either(l) a wholesale mearke equivalent court, if W. But if that Claim is transferred, rate or (2) a government-mandated rate in effect on* dry re or appealed to a different court, we then have the prior to the processing date.The currency conversion rate ih ri to choose arbitration. effect on the processing date may difi'er hom the rate in effect on the transaction date or posting date. Arbitration shall take place before a single arbitrator and on an individual basis without resort to any form of class BEFITS action. Arbitration » be selected at any t unless a We may offer you certain benefits and services with your jutlgpoent has bean renewed ar the other party'would suffer account. Any benefits or services are not a of this sutiitant al prejudice by the delay in demanding arbitration. Agreement, but are subs to the germs and restrictions outlined in the benefits brochure and other official The arbitration shall be conducted by the National documents provided to you from time to time by car on Arbitration Forum ("NAF'),under the Code of Procedure in behalf of Banof America. While any benefits or services effect at the time the Claim is filed. Rules and fossils of the described in �reviaus sentence are not a part of this National Arbitration Forum may be obtained and Claims Agreement,anp or dispute related to any such benefit may be filed at any National Arbitration Forum office, or service shall be subject to the Arbitration and WTI" wvww.arb�-formmcom, or P.O. Sox 50191, Minnea ells, section of this merit. We may au u �d �elete Minnesota 555405,telephone 1-800-474-2871.If the lit is benefits and se ces at any time and wi you. unable or unwilling to act as arbitrator, we may substitute another nationally xecogrifzed, independent arbitration WE MAY JELL YOUR ACCOUNT organisation that uses a similar mole of procedure. At your We may at any time,and without notice to yon,sell,assign written quaint, we will advance any arbitration filing fee, or transfer your account, aanxiyy sums due on your aunt. admin,ist vet hears g fees which u are required to this Afeement, or our sights or obligations under your pay to pursue maim in arbitration.I arbitrator will dun or this Agreement to any person or entity. The de4de who will be ultimately responsib for those person or entity to whom we rake, any such sale. fees. If you file a claim against us, in no evgn�gyou be ant or transfer shall be entitled to au of our ri s mind to reimburse us for a�obligations under this A A arbitration filing, gressnent. to the extent sold, adminiatratrve or hearing fees in as amount greater Lhsa assigned or transferred. whoa would �jurisdiction. Claim had YOU MUST NOTIFY US WHEN YOU CHANGE YOUR ADDRESS An arbitration hearing at which you appear Will take place We strive to accurate xecvsrds for your trsga8t and wit the federal judicial district that includes your billin ours,The post Qicee and ethers may notify us of a change to address at the tune the Claim is filed. This arbitration your address. When you change your address, you must agreement t is made pursuant to a transaction involving notify us promptly of your new address. interstate commerce and hall be�v erred by the Federal ,Arbitration Act, 9 U.S.C. f 1-16 C R"). Judgment upon WHAT LAW APPLIES say arbitration award may be entered in any court having f (continued) jurisdiction. The arbitrator shall follow existing substantive automatically from your savings or checking account with law to the extent consistent with the FAA and a plicable us, you can sto the payment on any amount you think is statutes of limitations and shall honor any ciauns or wrong.To"the payment your letter must reach us three prlvilese rogtzed by law. if aaparty requests, the business days before the automatic payment is scheduled to arbitrator shall write an opinion con niag the reasons for occur. the award, Your R3�ghts and Our Responsibilities After We No Claim submitted to arbitration is heard by,a 33ury or may Receive Xour Written Notices:We pct acknowledge your be brought as a class action or as a private attorney letter within 30 days,unless we have corrected the error by general. You do not have the sight to act as a class then. Within 90 days, we must either correct the error or representative or participate as a member of a clads of explain why we believe the bill was correct. claimanta with respect to any Claim submitt3 to arbitration (Class Action Waiver). The parties to this After we receive your letter, we cannot try to collect any Agreement acknowledge that the Class Action Waiver is amount you question or report you as delinquent. We can material and essential to the arbitration of disputes continue to bigll you for the amount you question,including between the parties and is nonseverabie tYom this finance charges, and we can apdply any unpaid amounts a ement to arbitrate Claims.If the Class Action Waiver=' against your credit limit. You o not Raveo pay any lim ted, voided or found unenforceable, then the pparties' uestioired amount whine we are MT=11&but you are agreement to arbitrate (except for this sentenced shall be mill obligated to pay the parts of yoo that are not in Cull and void with to sash roceeduig,subject to the question. Wonappeal theca tion or invalidation of the Class Action Waiver.The Parties acknowledgy and agree that If we fund that we made a mistake on your bill,you will not under no cireurostances will a Mass action be have to pa y an finance changes related to any questioned arbitrated. amount.' we olid not make a mistake,you may have to pay finance charges, and you will have to make up any nnissed This Arbitration and Litigation oSection applies to all Claims payments on the questioned amount, In either case,we will now in existence or that may arise in the future. This sued you a statement of the amount you owe and the data Arbitration � Litigation Section shall survive the that it is due. termination of your account with us as well as any OMWM� voluntary payment of the debt in full by you, any If you fail to pay the"amount that we think you owe, we banknxp by you or sale of the debt by us. may re art as delinquent. However, if our explawition does n sat you and you write to us within twenty-five IM For the purposes of this Arbitration and L tion Section, (25),days telling us that you still refuse to pay,we must tell "we" and "tie means FIA Card Services, NA, its parent, anyone we you to that you have a question about subsidiaries affiliates, licensees, predecessors successors, your bill, and must tell you the name cd anyone we assigns,ana any purchaser of your account,and all of their report you to. We tell aayorxe we report you to that officers directors employees,agents and assigns or any and the matter has been settled between us when it Sna3ty is. all of&m.Additionally,"we"or*ue mean any third PRAY providing bonefi�s, services, or p note in amnection If we do not follow thew rules, we cannot collect the first RIM the account (including but not limited to credit $50 of the questioned amount,even if your bill was correct. T bur�ea merc3aants that accept an creedit device issued under account, rewards or enroo�lment services, credit Special Rule for Credit Card Purchases: If you have a insurance companies,debt collectors and all of their officers problem with the islity of the roperty or services that directors,employyeees and agents)if and only if,such a thirst you purchased with a credit and you have tried in party is named by you,as a co-defeadaat in any Claim you good faith to correct the em with the Cxns+cliarxt, you assert against us. may have the right not to may the remaining amount due on the roperty or services. TReere are two limitations on this YOU UNDERSTAND AND AGREE THAT IF EITHER righ YOU OR WE ELECT TO ARBITRATE A THIS ARBITRATION SECTION PRECLUDES YOU US (1) You must have made the purchase in home state FROM BAYING A RIGHT R OPPORTUNITY TO or,if not within yyuour home state, within 1 Q�miles o f your LITIGATE THROUGH flR O current mailing addrew;and PARTICIPATP OR ICE REP �D (2)This purchase price must have been snore than$50. LITIGATION FILED IN COURT BY OTHERS.EXCEPT AS OTHERWISE PROVIDED ABOVE ALL. CLAIMS These limitations do not apply " we own or operate the YOU RB�CT ZA'SRROITUGH ABITRABON IF merchant,ror if if we. mailed you advertisement for the YOUR BUAJ WG RIGHTS 002007 Bank of America Corporation.All rights reserved. Seep This Notice for Future Use-Mus notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Note Us in Case of Errors or Questions About Your Hinz If yyoou think your bill is wrong, or if you need more information about a transaction on your bill,write us on a separate sheet (or use a copy of the form provided on your bill) at Hank of America Uorporation, P.O. Box 15026, Wilmington, DE 19850.Write to us as own as possible. Do not sendd the notice on or with your payment.W-e must hear from you no later than 60 days after we sent you the first bill on which the transaction or error appeared. You can telephone us, but doing so will not reserve your rights. in Cu letter,give us the fail inrmatiom:(1)your name and account number, (2) the tar amount of the suspected error (3) the pasting data of the in question; and 14 a dewnption of the error and an a tioC,if you can,of why you believe there is an error. 1#you need more information,describe the item you are not sure about. if you have authorized us to pay your credit card bill EXHIBIT C Bankuf America Prepowwd td:' AMANDA D HENNE February 2009 Statement AccounttVumtaar 1635 Credit Line: $8,000.00 Cash or Credit Availabler forimbrmgbon on YourAccount M%t www.bankofamerica.00m Summary of Transactions Billing Cycle and Payment Information TD t 1-800-626-2558 D hearae earirg=impaired 1-800.346.3178 Previous Balance $9,000.50 Days in Billing Cycle 29 AtailPamentsto: Payments and Credits - $0.00 Closing Date 02118109 BANK OF AMERICA Purchases and Adjustments + $39.00 P.O.BOX 15726 Periodic Rate Finance Charges + $171.47 Payment Due Date 03114/09 WILMINGTON,DE 19886.5726 Transaction Fee Finance Charges + $0.00 Current Payment Due $300,00 Mail B11kngh7gq,�estoll Past Due Amount + $1,184.00 BANK OF AMERICA New Balance Total $9,210.97 Total Minimum P.O.BOX 15026 Payment Due `` f WILMINGTON,DE 19850=6026 Promotional Posting Transaction Reference Account Purchases and Adjustments Offer ID Date Date Number Number Amount LATE FEE FOR PAYMENT DUE 02113 02/13 02113 9000 35.00 , YOUR PAYMENT WAS NOT RECEIVED BY THE DUE DATE.TO AVOID FUTURE FEES OR RATE INCREASES,PLEASE MAKE YOUR PAYMENTS ON TIME AND REMAIN UNDER YOUR CREDIT LIMIT.REMEMBER,IF TWICE IN 12 MONTHS YOUR PAYMENT IS RECEIVED AFTER THE DUE DATE AND/OR YOUR CREDIT LIMIT IS EXCEEDED.YOUR APR MAY INCREASE, OUR RECORDS SHOW YOUR ACCOUNT IS PAST DUE Promotional Correspondr"ngAnnuW APR Balance Subject to Category Transaction Types Daily Pen'odic Rate Percentage Rate Type Finance Charge Balance Transfers 0.065041%V 23.74% S $0.00 Cash Advances 0.065041%V 23.74% S $0.00 Purchases 0.065041%V 23.74% S $9,091.02 Annual Percentage Rate for this Billing Period: 23.74% (Includes Periodic Rate Finance Charges and Transaction Fee Finance Charges that results in an APR which exceeds the Corresponding APR above.) APR Type Definitions:Daily Interest Rate Type:V=Variable Rate(Interest Rate may vary);APR Type:S.Standard APR(APR normally in effect) 16 009210970014840000020400000 1635 Check here for a change of mailing address or phone number(s). Please provide all corrections on the reverse side. BANK OF AMERICA P.O. BOX 15726 ". ?TILMINGTON, DE 19886-5726 ACCOUNTNUMBER.• �1635 m NEW BALANCE TOTAL:$9,210.97 , PAYMENT DUE DATE.- 03/14109 ex. ,*A„9w.�re sa AMANDA D HENNE ia r 216 CONSTITUTIONAL CT `' MECHANICSBURG PA 17050-1827-162 44OM�s pay,,ivnf coupon Xbij.wtha atieck or money order payat'Ve to.BANK OF AMERICA 1. S 240 2 2 2SOI: 12 S 6 3 0 8 1 ? 3 163511" JMPORTANT I!NFORMAT/ON ABOUT THIS ACCOUNT ._. U S E2 I 1 Rev Q4tt3$ _._....._, ._ .......... _ .. __v....,._...------ _......_ _...... CUSTOMER STATEl WNT OF DISPUTED fMK—Please call toll free 2 866.266.0212 A•lomlav-Thursday Sam 9pm(Eastern I inte) Ffrday Sam-7pm(Eastern_ 1T Time)unit Satuniay 8am-6pm(Eastern Time).For prompt service please have the merchant reference numher(,q avarlahle for the chargef)in question. I LFAsE DO NOT AITFR WORDING ON nilS FORM AND I)()NOT MAIL YOUR 1,FMR OR FORM WITH YOUR PAY\IFN`r. Chmne only one dw-xire reason. Y,ar Nam,: Account Nurnben r i action L?u _ P sting Irate _. Ref rctice Nunthty . . \€nowit ...-.. _.,..La«puied Ai.n�uat S:.._•_....._.., _a__..__.• vIe_chataa`same. ._... ..._..._ ....... i.TFx artauiit mt thechar_e xras maths-J."S CA tx my sues &,E n xiiuti#he ms ch n f ! iibt t)I}Yl}ttt ra"the In-antFxximd xcitr �gwat�deiJtr��xratty,Ftuk�,�i�acorn�=t�va�sstpthattia�+r5�c�x;+�fu�xmt i»+ ��I'�,rscrasre �et4tx�sdif'a+€;a[+[e,ct><4z�acr>£+tt�r,'cezr�traaanda n Q 2.I x�trfv ifsan th xu�e E�acl a[xm uzrs txtt rt.n§e by na air a�1srm audxxizrd lry hihC its u7Xiirr€art[,iMlf ;a>�tot y�ir tekgtlisas ns;iagdate had ante t�+arxctlacu n.Eta'awa k;ecaisyliaticxr Icaatxlk;ticn with vxxk(WvrvicesqYMvoihy:hetram t,xfto i� bymrrsrypetst?nwuioriaed?n,itw. =,I.E host wt tar-yed the ntrn ltatdzse that was to Ile chippn it)mr nn i # :111LI3IlYY`t. ©%Uth A4 E eW CTWW fit t!ie ilrxr Tramicatu,i have'XutmaW the t tmiam I(x acxtit.T}x Set'ous tt)he I!tawx4tddrrivrdhant ii,ctcYtitnry aunt. pnn3dalrn_ i t (3iSifil[tYYlsere rcuicd(wwcneunsaSisfa< Anadi AItim U t.lw si,staxl;tdyedalisptl�trwas,ttt h assaicrttim PauttxttAyxilwcfineccvltsluuuxlrptyL do tog l tzrtrzcolaztcd y<xuahem,,"tores k?#a1cws++xtvmfuar itaitslacgwofyrxx alit ff-" f?ie r)Mb%t ray up to X)tim in'cclu rrw ac mint. l m-dt •that I ckr nc mxvnix tic mrsx-mil,k.lercliam oft,±rivide rtlepx ne numbrts scars r �1i.Mercha rdtse that was sIfimxiifwwis,amycdcarr tarlitAir&li?tve.Ifeturtxdiron riviemttr,rin.l irgstatfxwit.Pleucraempttocxn m-tifrrkzcunrh*ruhkrhtatm i_= :YL\i tatkiY:and asks tIv merchait a,cw&r nh,r ar txuu..ttra ft a letu=r'lexti!*aw I.I If yon disprac is Err a daffetrrx reason,please mitta us at the atn, tdcoo is n:imfim �ea)mGh dr darruoan&-,rdekmT and ac of the�C4oireturn, S##thanin;rec}u,nd}; [Tate: €.<1lth x t{li E el l meage in the alxnc rnnsac ti m.#base amc ilex[rite mcn[aa,n rct tr xxl the iiulyhark ise n %u. I .A4hL'b Y61 a til ralca�+ttci a min l eir�rdkI tax re tive dtiscmfittxk;Vas Pe r cctiaact rele.hrme tiorne4: tat4m, con:Atry otter-vthnij,sh}ami irr dnlam dtis At"vsthaiapy4t#',iv(xsfof rC11g2LY�if yEY.I are lauli eto reld:t the GitYc+aiffli a P6W CS3'_p:�-3tn. Billing,rioii 3re only'Itn`4trvcd by ivriSrrn ilKlifir4.To pre—sme Sf`ur Ming r ghts,�,,�.Ya e return a teJ'•I txnfy drat thetnaW LI q sr)nw.ya3lr*trai:�sa+�i a.itii%vas p(wd m4e:U€ny)t"lete 'l?1< {st'Yh'ttili{LHi7i 2( In}X63{�.t.::krTt F+IntfSril23`Ktll r[P..ti" iii C[5C PIIb"(CfrJilt t'K1F£C 11.i{tiiSClrxti EL)> I d d it=a hullo me ehe aensrl riot ar.Sa,&t?I Rekmrce Attu:Billing Inquiries pZ7.(3c x lSt)Zb IL51mir�ton 1tF 1 €156 5(126,GS.A. Ss* 2 S Rc mr x it KEW KFFP TI IE ORIGINAL FOR YOUR R:CORJ)S AND 4TND A COPY(-.tF TATS STYWNIF111: GRAD P9R1OD To-.aIculate the daily balaox fir each day in this stavent n s N flit i¢*,cy6e,we rake the u(race#'eruct"nicans the period of time during a hilfirig cycle yahria yi m will not accrue I cginnirtf balatxx aykl au amount ixlual tta t[ie apple thlc laaily Fcri(xlic IL to ntuhipliet[by rte periodic#Lave Finririce,K:hams or.certam transactions cir ha�ancea.Ihere is no C:rase Peru ad for pct yitxcs eta}s daily bal iiiyar,aykl itey4 Purcli as"s neyv Act€runt Nees and new"[tans xi(at Dees, Balance T'rinsfcr s and Kash Adyarxrs.If yy(xa ay in hill this�nwniea rl,New,Mlarutc Total by and su[Nnact app[ a[[e Ixiymeait,and ercxlrts ff ashy iL3ily haLiii�is Ir ss than zcrca wa t cat it as its Fayanat Due late and if you pair[in Z ll t his m'mutent's Prievioui;Uanc,!in this statemctit,4 illing bi[liiag cyy ,then y(xi will have a Chace['e3acx[dtarir rhr bil)ual cyc[s trot began the clay after cyy)e,ohm ern the day after th a€payment in fail[skate,yyc exclude faun the[acl~nning balatxX this Bran nx rho;K der iriy Date ern the Purchase ptartiott of this statctiiyitts ly cw 1?aLaita Tata[, ruvv Port boars ncyv AcxYUmt Fyn and nctiy Tnnsaiorn Fixa which prictec[to far hef(m that During a t)`%n['ninatxi(uaal Rate()ffec l i nrr l'etiodir Irate l inatxE CJiargcs acs ut Al payiaxtit eta hill date,aiad we clta usx add neu fart laa a s ttesy Acuxtnt Fcxs,(x taew'Iean1 ction !.aLmu�warn the ft`?',s Pr xnrtroyna,l2atc;and??y(ue must lroty thy ['isttl t3iitmttm Pavntuit Ems wh�:h past afar that paynaetit in frill dare. Iak [)y it3 f ayrrxrit Ihx late iaixl,ay1)Kl:ilty(itlkr�IatYaiXlitfitt nlnr+ifi rtit.lii'�a5 EICf(tCd in nxiatcltt the Y F S fix rile CredhtGaril t[PlM a arxzdLhfxxa liLail Csr crth[U IiLii €rMe.[aarclrasecl yOtir(actlnt K'?1't[ $.R'ttt?cYtt3 tYY i7`1U1('iitn titL f?`h=Fr(3"SH7c1l1T .I R,`ttt, thKfndI R3 rn calculitting the 17egirtrin=Kalatxx for the fast day(A that hillnari cycle after the l£a cvaxr,p(andhnst Antu>tl I"e cixnra Itaie in th:Faaance(lua khedu:'e t>7a the front billing cycle in wbic h stidi costs are NIW. rt thr statement ctxatain,a"'"syrrtf gal,t#tCn tirsr$z i +caw r<a t[ur halanc m l)the 0% ')iWAL pEWOIC RATE MAWS C"WE COWNWATIO!i Pr(aauxiorial It its will expire it d trul r tl>R Wert billing cyde,.t td<I youh cornet pay this lkn(xk Date Finance Chan ty ucnae athd are atrnpoau€ded(m a daily bans,'lid>cf;,ternvne sianz.nent's N`cw Wlarice 16ral by 2s fcivilimt Due-[)are try avoid['em&Rare[mail:e(Eases the Perio,&c iLate Fu rat..K;h.•t 's,xe nnitrl>ly cash f>&tkattia'.Stihjsxx t(a Fiiaancc KJ azg by its aKrr flu:eiul cif chc O`%i,F'r(maxionat R:rrc{,'}ffir cut thou b<aksih(x�cxisti:�;as of thy.CI[(t,nil; a(,.plk;aaltEe 1)aafy I'crit>4iic Rau and rzi scab h?'r1x:isiaittlx r Uf<lay�s its tlx:billing cTcic.[(i £due of this starerra�t. :kte nude the total t'c xicla:Race Finaihce K hasps for the billing cvcic�we ask[the lloifxlic Rate CAi.;.IA ATtf�1+1 OF SAIANCSS SUCTTO�� l:enancv Charges ra ther l=h Daih�K-.iodic:tttt;;ric is:aIc€ifatod 6,c ividinf,its cxmeap>ndir* \,-et age Kiltime Nletlxxi i ifiductitig new Minix Trap£ers and nety C.ish.S<#yatut): Arinval PircentaW[fate by:165. We cane ulate scparate llaLinea Submi�t io Finance(..h a frx Wlance Trauxffe s,(ash A,vancrs 14OW WE ALLOCATE iUM PpcYMMM and for each I'romotio wl Offer hatancrconsi4 ingof&danceTransfershr Gish Advances.ire %X will allocate tiny in the mnat>wrwc:dctenhrrtc.Innextiristaacef,wewill tk+this by:(I C.alculati,q;a daily I ialanx e for each clay ut this stattatac7 ac's billtng cycle;t' ? it tnir+.;rvirtcyis tot[alaac {iitdu<Iir*g tr rn acs:icu inacle tftcr chi swietttent WA lower c;aki.Jaring a daily halanov h.ir c"<ch clay prior to this srxesmxitts'billinj}�Cycle that had a°I'te- APRs ht4ivr[rilaot s with hii,?Jxr Al'Rs."This will m ult 41 balance-,with Iower.U'Rs Fsty h as (',vck-b3brur' 1 Pm(v&..halaiaL is a l tkyncc Trm,h r or(,ash,vane u nh a tr;uisacnan tieyy bctlanccs wiry pronutsirxaal AI'R offers)1. ng paid Irf(xc any dnhexexistuq fxalarrcx daa prior so this st.tart rots bil[it s cycle Ixht yvith a I'° hhfi c ttu yyirair t[izs r tout's btJi Payrnent Dote Date$and Keepkv yam,,A fart in Goof! cycle„(3)hddirig,all the daik,Isa>n xes ro �e[x^.nx1 At dividing,tilt surri of the.daily[a Latx s Your Payment Due Date will rxx fall fah the surer day each ixionth.In ortkT to help maintain the ntimhcr cm siati in this statcnx nt c an cycle. any prt?nxxt2cma)raze to avoid the unptx iticm or I kfacitt Rats(if applicable),ro aytand l lets DC(t nhlc alit e..add a lra ni xi for each t ay is this:ble,I xYi v erion;cycle,m take.ed and ro avoid overlirmr fees,ycr must receive at lezq the TonJIM iminum Payrrient Due by its ion;trl;C±a[artcr,at�(I an amai,nt�trEi[as the applicable,I}aily[terita�ic Rate znihlnplied try the previ(uus 60i daily bularux,add ticu%alarice T ante rs,newt a It Advauas and acid [,?Ym`nt lace Uare each Hiling cycle and you must maintain your accountiml nee beknv Your Tranas-tctutn Fe and subtract applicable paymitmts and credits.l£any°daily balance is less than Gediz L toast each day. rerth we do ht it xs zcrcr. I nt Information about tents by Phone To calzalite a daily balacca fax each day priotr to this st;au inert'billin cycle that had a Fre- Whcr!tvsing tae optional I'ay-[n-Phone wrvio;you audioriir us to initiate an electronic Cycle traL ixe,we tike the be;ifirFitig,balanty attriluhtable solely to Pro C y&liaL•mes(which pat n)Lnt trtim v-ottr ax(,untat the finatcial ui,tiut tttin you dessiipwre,Y ui mast auth(zrize the ytiI be zero on the mtnsiczion dare of the first Pre-(:y-le b iLince)add an amount ec sal to the amount and timin?(if each payment.Fix ycmrpn+recritxt,we%4 ask fcrr curity infornharion. apnlit b[e iYhndy Ptrcxhc Rate multi}}aalied by t x tyious clay's ti[y PzaLina anti acct[only the A fee may apply,.'o txx_el,LAO its before the, uk d paytrent date.Same-clay payrricuts ap lid ble[' K.yC[e[xiLnates and t[aeic related dram aaction Fees.to exclude from this cannot be edited or canceled - Lttlanon all rnnvactions pt qed in previous billing evtles. MISCELtANSOUS yen Dash lks[aaxe [ethocl{in,udtng nc v Fu h );AYc cakuLzn yrarate Fktfinccs For the aimpku ternr;;ntd conditions of yt3ttr zccount,consult pone Cmdit Gird Sul+ t ui Financ�Charge for l'urchases and x earth Promotional O fer balm consisting of Agreernent.FIA Card Serykes is a ttadename of FLA [ t inl Sergi es �.� this tiro crtrnt i5 is�treci irrha mss.lYc sky this In:[1,cakul.tt ng a daily hitance for each day in the billing cycle;(2) anal adminnterc�rl by FIA Card Scvvice,ti.A1 adcding all the daily bal arce s togist)itr,acid(31 dividing the sum of tae daily balances by the numlter of day-s in dhct billing gVic. PAYMRN" We credit payments as of the date received,if the payment is F)received by 5 p.m. If your billing,address or contact information has changed=of if your (£asrern Time),2)received at the addre%shown in the hcmrom left-hand corner of the from, address is incorrect as it appears on this bill,pleaase provide all of this s€atc most,3)p4id with a chetk drawn in 1.S.JoHars on a il.S.financial insrirutiou or corrections here. a U S.dollar money°order,and 4;scut in;lie enc tried rixum envelope with only die boaffna l+(,rtion of this statement accranpan}n=it. Payments received after 5 p.m.on any clay Address I ituluding ncc Payment Iauc l late but r ar otherwise the above requircmcr� wall be credited as of the next day.We will reje t paymenn that care not drawn m US.dollarrs and M those drawta oin a financial insritution located outside of the United States. Credit far any Address 2 � other payments stay be delayed tip to five days.No payment shall operate as an accord and Satisfaction withoui the prior yy ritteaa appnw al of one of(nor senior o fievrs. C,i€. a �1re prtx e s incst p.ynaent checks c lccrtronically by using the infonnation found tin your y v check. l nth chtx k authorizes us s(a i irate a one dine electronic Eiinds transfer Eor pr(xe s it as a check o€paper draft). Fundss may he withdrawn from your account as soon as the Stare Zip vame day,vvv aveivc your pay mt m C he ks:are nor returned to yon. Fox more information err to st:>p the cicctronha:fund,transfer,tall us at the matiber listed on the front. Area GMe Sc If you have authorized its to pay yciur credit card hill automatically from your savings or t loans Photo checking accounr with cis.you can stop the payment on any amount y ou think is wr(>ng.'I"(a Area C;odc stop the p ivincrit your letter nius,reach as at least thnx,business days[afore the aaitoinatii Wcnrk Phone paynnem is scheduled to occur: Banko#America pmpxvct for., AMANDA D HENNE March 2009 Statement AccountNumtw.' w 1635 Credit Lags; $8,000.00 Cash or Credit Avaiiable.- Forinfarmah`on on YourAccount Viet www.bankofamerica com Summary of Transactions Billing Cycle and Payment Information call toll-free 1-800-626-2558 Previous Balance $9,210.97 Days in Billing Cycle 29 TOO hearing-impaired i-800-346-3178 Payments and Credits - $210.00 Closing Date 03/19/09 Mai/Payments to: Y BANK OF AMERICA Purchases and Adjustments + $39.00 PZ BOX 15728 Periodic Rate Finance Charges + $174.11 Payment Due Date $303.09 WILMINGTON,DE 19886.5726 Transaction Fee Finance Charges + $0.00 Current Payment Due Mail Hi4li"nalnquiresto: Past Due Amount + $1,274.00 BANK OF AMERICA New Balance Total $9,214.08 Total Minimum P.O.BOX 15028 Payment Due WILMINGTON,DE 19850-5026 Promotional Posting Transaction Reference Account Payments and Credits Offer ID Date Date Number Number Amount PAY BY PHONE PAYMENT 03110 210.00 GR Purchases and Adjustments LATE FEE FOR PAYMENT DUE 03114 03/14 03114 9000 ; 39.00 YOUR PAYMENT WAS NOT RECEIVED BY THE DUE DATE.TO AVOID FUTURE FEES OR RATE INCREASES,PLEASE MAKE YOUR PAYMENTS ON TIME AND REMAIN UNDER YOUR CREDIT LIMIT.REMEMBER,IF TWICE IN 12 MONTHS YOUR PAYMENT IS RECEIVED AFTER THE DUE DATE AND/OR YOUR CREDIT LIMIT IS EXCEEDED,YOUR APR MAY INCREASE. OUR RECORDS SHOW YOUR ACCOUNT IS PAST DUE ae e, Pronrational CorrespondingAnnuaf APR Balance Subject to Category Transaction Types On*Periodic Rate Percentage Rate Type Finance Charge Balance Transfers 0.065041% V 23.7496 S $0.00 Cash Advances 0.065041%V 23.7496 S $0.00 Purchases 0,065041%V 23.74% S $9,230.79 Annual Percentage Rate for this Billing Period: 23.74% {Includes Periodic Rate Finance Charges and Transaction Fee Finance Charges that results in an APR which exceeds the Corresponding APR above.} __ APR Type Definitions:Daily Interest Rate Type:V=Variable Rate(Interest Rate may wary);APR Type:S-Standard APR(APR normally in effect) 16 0092140800157700000210000001635 Check here for a charge of mailing address or ph3ne number(s). Please Provide all corrections on the reverse side. BANK OF AMERICA 7YMAfE1AVTDnUEFDnAATE.P.O. BOX 1572 6 WILMINGTON, DE 19886-5726 TNUMSER 6#w�1635 ANCE TOTAL.$9,214.08 ro - 04%12109 snits rtmrnrAmw"er wa AMANDA D HENNE 216 COi1S'TITiJTIOI7AL CT EM MECHANICSBURG PA 17050-1827-162 bear"tus y""entcuupona;org;vtns chock or money ordarclyabl a to.RANK OF AMERICA 1: 5 240 2 2 2 501. 12 S 6 3 013 173 1635n" ............." �.._.._. IMPO RTA NrOWFORMA710N,ABOt1T THIS ACCOLMr OSE211 Rev.04108 _._...----_ __._ __.. ... _ _.__..... .._ Ct/ST OMSR S771TZMl�FNT OF t}ISPIt1TBtD/1 SM—Please caH toll fr�c L866.2&6.03112 4lrirtslav Tizursdcry Sam-9pm(Fvstent lime).Friday Sam-7pm!Fsxstern lime)and Sattare3ay Sam-C:tt»t fFrrsrerntrte).lrzr prismpt sort!ce please scat cT t#ze tnercharzi rejererr"ee ttenatfat rfst rtvarlatale�i)r the charges inuestioat. i'I.I.ASI I}C) rC1T AE.I"F.F 1&ORIAV t}ti't}tES kC)C{ ! s\Ll t?C)tiC)T iAil YGt R I,ITixit()R F"t)It bi 7TH YC}L R P#Y41f tiT C;hcasse only nne,ticaute reunn. Yi�ar:darSae: :tccorrnt Numiaer: T_ Srsacxion _.__�__.__. 3 I.TI�arra:utortShrdurEeSyasuur�asxaf~Foam$ rs5�._ixmvcilcs ©B.Emmhrf'hcme�thax>t,m„_ f 1 Si�4'INS'i1'Itoeatxdtf�.ePlc-am.Fxxizxx!€xck`r slipx ac3 lsnaxraay.FAWa m is acopy„£ik�'TWiri6jv;ast oxmxtcsxarxxnu. 'ry vaeimLPlease wecx0LikW#jWd enclortaev{ncdpmrzomm2a%Ia Q 2.lcffdkf that th Ours I rul abol4 was-”fi kie by"x.rx a prrspu Audi xiraxl in nx to we Imw c-a4 mr cops taf:aaar tAT6xv SH s}x)vingdaw aid haw 4 xcctiletif n.R;i6 n nrxcaat4lllaaitm lc antAla wn On suerst Issorservocsrelxe+0 Vdhy"fie tMasz 'I,2rtM-ti>tdbymereary autnnnxcsi ate, ��:i.ihavrncxec sxdr}�r tatxli thatw.ua�3erhi tortxam_i.#�;44:4i;E)lVVY ��9.:ltdttxr etc'it a txittl ahosntatuac rn thavr utta tKlt}tea ethatu?exctrdz."i}tcsri tt[zht I have,rskktd du snctxllain za credit my j"ant. pradd6il m ? 1 (N9. MI IM-Am mat swe€ved xwrre unsatisFactern;Anad a lstmr 4.l was€ssued4creditslip that was ant shown va ray snwsr,%lc%c yofurtccxCtslipisefidocr[ k9rt*:tt�tlau�aa¢sezPetxce�}crtua�ttnPtsttsrawisvusnt:htatexccltiartandaa{vef}xrrsxsn�t. Flemochauthasa pto;W days tricreditY acc')tm, IRIcerily that l(low mc nizediemr ssac iim,Merc°inarnso;tenprtydrrcLp xrcnumi+etsr"--ntheir rune iat your billing sezwnietz Plraw atwzttist to avtwx tir macitant ftsr cnk>hratAm. ..i.4[ercharxlise that sas shipsaed to 'Mlol ariasx V Fri hal a��ek'fMy xxot�ta ttach a Il.ltMir xc ss fxa du�erGrc rc sat p�iscrontaa s at tf�atznx rlc �nurallm _i_ II)i}tyY and ttsw d e raxsdrant u�credit my au`cxurt.Ada 2 ktrer cra� � F'h howtlaca m arehscwasdamagehanfii'vrde�-tiveandacillyofthe afrenam. Sasntturerreduirsclt: C1ate: l�ft,r1itlxxr{ah I did os r the A ne tray,<sWxim.I have crau.,aed the rrtracivirn;tcxtu:acai the rt ychartchisti xa t ( ?3s9MI)INYi and rcgtw,trsl a,rtalit I-jii"Irr chid tart mixive tlt-s milit,x it.sas Fir cr,antact rel hcme#: I"iortte# rscmlacsxt;eltr .aaetrerpLatrisgcen?yauardiynsnt Eµstarasmhankrsctrlcyrc.fof aznxa I£torr are asaabk tst reMM mcxciSarxli,e,pkaseet attt. lulling fit fits are t,rily,s rr,erved by trrixest sat lusty.To f*r erne yt.ur billing rights.p3ease return a c v ca. ns,ttm and acct,n �a:xin iufonira;xsn regatdiar the rnere.huut ccuer}se in ys,ts xr rn: ©i.icxrtifythat ee rgeia t tcnwa assn trarvxttxsntxzwam aae[hcc .r t to €t $urn:itillitsgingairies l?b.�x130Zb Vilmington.I)1si 850-5026.MA. I did not authcmae She ec xxl trans a 14 k#1 ltzhxr tai Ito j Refrnrx# PLEASE A.SF KF£P THE,ORIGINAL FOR YMR RYWRAS A D SCI)A C O Y OF'n Ir STATEN ITT MACE PEFOOD fix calculate.the daily balance fair each day in this 4atcrmnttk rake the "Gnio:[lentil"meares the period of tittle during a billir c'ya:le w[ten you will tort accrue ta�itatiir� tsalancz add an amount c^(Iuat ua ts�applic^ahk I7caily Pc rk Date rnultiplit�cl by the Periodic hate Finance(:large%an certain trarswcxiotis tar ba races.Ihem is nit Graacr Period for pt>yiruts cLat s daily maLarace,aclul stew I'utt�aas+new AccrnSair fees,and new'Cransactittn Fees, fialanc-e Transfrm and trash Advutcm If ycxt in fill]this,-ttttartcnt's Dewy Rctlance Total In 2nd st:luncr aphasic ahalc aymtxits rail crcxlits Ff any dally malatuc it k yv than aorta ux.t r ar it as its Pavment Dole and if you paid in full t�ciaroulait'a Precious Bala l-e in this statements zcxr>U tie Precaau I3a]arocc shtstvn tot the statt^nt rat was I?aSd in full in this mate rte rat s Inning I?€lira{;cvti k,lien erns will teal°e a C rice l'eai€7d dtuir�t�tl hilliatg cyx Ie that l>ei alt the day After ctia lr,then c>it c[re d2x after thatnymettt an full€Este,r excluc hcrSn the ltennist�balatxe zhts sxatutxntts C tsiatg Dare on the pure hlse pottiotr of this statertiztrtl tc e tv Ikalaia Tratal. acw Purcluast s itswv Acctwrtt pots,:md ncwv Tmns2ctron his tvhici ptt<tt tl e rn car iE<irc sleet E)uring a n Pnarrx>Cicttaal Irate Ofir r U m>Petictdic Irate l=inatarx Claatles accrue tart payiaxm sat full date,and the<k,tux add new Purchases,crew Accourn 1 arc new+"Iraatsa<ticm m isle es w the t) Prtxntat ctnaar Ram;acrd 1)veil muu pay flu Iatal ei itti€murm Paynactat C which przsx afrcr th t paymaetat in fall dare. 1)iec kry its p avinent Ihx t>ur.,"..tr><#xt4riicl anvexla r lan xxiott tttnrs-tf;tws rat'as c axe!in WG irxino the cxzksS k>r six rrt tfitcarcl c[€kxcar zr[estirm Itlztn vrest clu i?tsuranc.t�I aamh cd your C'nti#it C 2rd A{ vrr tats to+t ainttin the 0`�'Pr<rntvtional hare. 6r,ittgh tcs in calcul hang tite beginnin luWWC for the first day of the hillutn cycle after the If a a-arm ptit", g,Atttat>Sl I��c�na�Itatr:in tla hztennce C lt.} khrcla e arts 'front htliiny c}xtr in+shads uu h cctsts:trr laid. of rho staters ntantiains a"`° svcn[xal,t e:a with reslxxT to thsw tar amx-st I)the 0°l TTAL PERlOD1C RATE FINANCE CHARM cowoalITlIIT om prrxtuxirmal Raw will expire it dot taxi od the ne et billing cyck;;tail 2)yr)u must pay this I me she Ratc Fitra ice C1uar a rare and are c ompotxciecl on a daily basts.10 dc-termine sillmtxanes New 6alTnct IE tal by is I'ayrae nr Due Cate n:atand t)enodic Rare 1 znanee.Charges the Periodic Date Roarer C lhalii s,we muhil4v each Y,alancv, 4vhjew'r to Fnnan ce Char-tte by its 1fty r tho end of the 0%prrn aotivnsal Rxte Offer ens tho w balarox—N existhig,as of flu(Ioesinl appl A Daily Nxiodic:Rate and dat result fay the nulnlxr of days in tfk billing cyck.Ira Dzte of this statern nc. determine the to€al I)emi lic.Irate I mane C''1 £car the tna ng c-tcle we add the lic�%otdi Rate CALCURA'TION OF BALANCES SUBJECT TO C� huaanc�c Charges catcher.Izach Daih ptTisxtx�ate is calculttcd 6y,dividing in«trresptx nlsrzK Ale age Ikaiattu 41c�hrzd l;including new Ikilatia:Transfcn and new C:ash Advamcsi: Annual I)mvntage Irate by lKi cmkazlatax tratel�lanc St€bpp"eeettoPrntt tC:h kmWiaa e`tcanstres t:a he civarscc5 "M WE AUAClkiE YOM PAYMENTS and for each lironionfi al Offox Imlanv c(am tang of Ikilaux:Transfers or C ish Advana-s We Wv will allocate v(sur lxayulawt in the fa trxx,t in'Aarices,we will do this b}.)1)calculating a daily Wamt for exh day as this statetinnirs milting eyck-,i2) allcxzate y€ar�r'tyrtrettts To tilane�(includingtrxnsunims made ctfwr this>wmment)with lower c,akidati tg a daily I�Lance fix e"day prior to this staremzv',Hilin=cycle that hat a`Pre- APRs lxi'tuc:r,foul as with hi€:Ex r AI)kts."I f ass will nsult its Walla-,lana-,with lower Apits(,such as (s.e Ixtlarux -a Pre("yc lariat x"is a I ilanxc I tansfer or Cash l v tricoe with 2 txan tcxrcn ausr baLanccs with pttxarxitanal Aint offer)t vitas;pail i efoxt arty otherexisting haianocs. dauc prior to the octets orals billing cock but wash a tx>stxi ,cktic wader:skis ateincazPs iiltit �Due Dates;��YOW A �t In Good±� cvc h {.3i addrrtl�r all the(hilyf Izala to Ifit and i4)dividing the sum c f thr daily IMlarazis 3tv yrxar lxayme t Dole bate will axat fall cm the same day cacti ntnnth.In carder to help.maintain tit ntnmitr Stt class in th s statramsxatk milln,cycle, any prttnxxivna!rates,m avoid the imI?usititm of I)rf tttlr hates{it applicable),m atvad last fees Mn utlC:alne tine daily t+aliract for rac t c v in this st Stcrttrttt s bruin cycle we take the and tit avoid overlimir fees,we must Sec eive at kaxt the Moral Minimum payment Bee by its 1,eginning b alarice,add an amount equal to ifle applicable lInly lteriot is Irate multiplied by the 1)avtt etas Due Date cacti Inllin3 cy lE aril you mast maintain your account Hance lance belety}char () virtu%day t{sily f takanw,add sissy Rataance Traansfers.Crew(ash 1dv anus and and credit,Lantos each day: t`nutsacam I ,and subtract appik-a&pavements and credits.If any daily balance is less than Important Information Payments � tery we to u n as Zeno. To cakulate a daily balance,fist ea h day prior Co this statementli,billing cwle that had it Pre- When using the tTtional P.tv-tw-Phoate servic`,c,you authorsz-Liss to initiate an electronic Cycle Hance,WT ttk- the ann*balance attriburabk solely to Pro:4.ycIe Wanes whirl, payment I rolin your account at the heat vial outstation vin destipiam You mast authorize e the ;via be zero on the m.msactiem dare cif the fast[W-0.,cle balaric e),add an amavttnt ec.wat to the amount and timing(if each pavrnm_For your xexrxt,we will ask for vectuity-inkgrt-adorn. applicable Daily Iteriodic Rate mul lied by the previous ttty c daily balance,alit ak only the A fee may apply.^t o cancel,call aas ixh>n the*JWtskd payment date.Same-day paymc+ns ap cable I'ar C y rte batons and their relatcci Mrarsac.°tion l em We exclude fro n this cannot he mlittxi or,ancektil. ':lLtlarion alt transac-tions posted in previous billingcw'tles. Average Daily-Bal arscv Method(including 1vvv Ptr c haw-s):Xx4 c;AIculan separare Balances ktar the t complete tcaatxs aitd ca>rad art aas of yt3i`f acansmt c€anKSlt cvtar C tidal C and Wu ect to finance(large for Purchases and her each promotional Offer 1-41a=consisting of Agwemeat.FLA,(and c,ervic,s is a trrdename ref FIA Card Sery xs,,N A.I his accatuat is issued Parrchasm W dct tits ip:(1)c tkralatiSng a dally t.ilarice Air each clay in the iillrtrg cycar,( ) and adtministerced by IlA Card Scrivirs,N.A. adding all the daily hatances together;and(aI dividing the sum of tfiL daily Hance$to the number of days in tic billing cycle. PAYNI ENTS We credit payments as of the date received,if the payment is 1)received by±p.m. If your billing address or contact information has charged,or if your (Eastern Time),2)received at the address shown in the bcirrom left-hand corner of the front address is incorrect as it appears on this bill,please provide alt of:his atatutrtent,3)p=aid with a chrw k drawn in UT S.dollars on a U.S.Iinaucial in,air?ttiou or corrections hem a I.I.S.d,)ll ar monev order,acrd 41 sett in the enclosed return envelope with only the button porrion of this statement aoxo tiipanymg it. Payments received:after 5 p,m on any clay Rddre cs 1 including the Payment Due Data,bmt riiat othersvise n ices sir abrsve t�tairermtxtt y,all sae credited as of the next day. We will reject payments that are not drawn in U-4.dollars and thou dratvia tin a financial icistinuion located outside of the Liniteci States» £;recut for any Address 2 other payments may be delayed up to five days,No payment shail operate as an accord and ,,amsfaction without the prior written approval(if tme vt our Stour Offiu r, City= o 'We prvc ess,most payment checks cleccronic ally by using the information found on your v check. l ich check andimi-z_es us to create a cute-tzrtte electronic:funds transfer(or process it as a check,or piper draft). Funds may be-withdrawn from your account as sraon as the State Zip - same day t-e receive your pavment. f'hcuks are mfr me rmed to yen. For more information or n)stop the electronic funnds transfc ins,call us at the number listed on the front. A rea Cade de If you have authorized its to pay your credit card bill automatically from your savings or If maw Ph;tue check-mg acccxant with us,volt can step the payment on any amount You think is wrong.To Arca Code -top the payament your la ttr:r must rc<ach us at least thnx busines,days tx:f)re tits automatic lY`urk Phone payment is,,.heduled to occur. Bankof America Prey far.- AMANDA D HENNE April 2009 Statement Accounth'unrtar:• X1635 Credit Line; 58,000.00 Cash or Credit Avaitable.' f Forinformafion on YourAccount K5wt www.bankotamerica.com Summary of Transactions Billing Cycle and Payment Information Call toil-free 1-800-626-2558 Previous Balance $9,214.08 Days in Billing Cycle 29 TDD heariNImpaired 1.800.346.3178 Payments and Credits - $0.00 Closing Date 04/17/09 BANK y�rrissrts RI Purchases and Adjustments + $39.00 BANK OF 15726ICA Payment Due Date 05/13/09 P.O.BOX 1572;8 Periodic Rate Finance Charges + $169.94 Current Payment Due $301.00 WILMINGTON,DE 19666.5726 Transaction Fee Finance Charges + $0.00 L?ailBilling Ingw-'asta: Past Due Amount + $1,577.00 BANK OF AMERICA New Balance Total $9,423.02 Total Minimum P.O.BOX 15026 Payment Due 'f Wit.MINGTON,DE 1985€1-5026 Promotional Posting Transaction Reference Account Purchases and Adjustments Offer ID Date Date Number Number Amount LATE FEE FOR PAYMENT DUE 04112 04113 04/12 9214 39.00 YOUR PAYMENT WAS NOT RECEIVED BY THE DUE DATE.TO AVOID FUTURE FEES OR RATE INCREASES,PLEASE MAKE YOUR PAYMENTS ON TIME AND REMAIN UNDER YOUR CREDIT LIMIT,REMEMBER,IF TWICE IN 12 MONTHS YOUR PAYMENT IS RECEIVED AFTER THE DUE DATE AND/OR YOUR CREDIT LIMIT IS EXCEEDED,YOUR APR MAY INCREASE, OUR RECORDS SHOW YOUR ACCOUNT IS PAST DUE Prornntionat ConespondingAnnuaf APR Balance Subject to Category Transaction Types Daly Periodic Rate Percentage Rate Type Finance Charge Balance Transfers 0.062986%V 22.99°x6 S $0.00 Cash Advances 0.062986%V 22.99% S $0.00 Purchases 0.062986%V 22.99°x5 S $9,303.87 Annual Percentage Rate for this Billing Period: 22.990A (Includes Periodic Rate Finance Charges and Transaction Fee Finance Charges that results in an APR which exceeds the Corresponding APR above.) APR Type Nfinitions:Daily Interest Rate Type:V=Variable Rate(Interest Hate may vary);APR Type:S=Standard APR(APR normally in effect) 16 009423020018780000021000000 1635 Check here for a change of rnailina address or phone nurnber(s). Please provide all corrections on the reverse side. BANK OF AMERICA i P.O. BOX 15726 r� WILMINGTON, DE 19886-5726 ACCOUNTNUMSER. 4MMMAIM61635 m NEW BALANCE TOTAL:$9,423.02 PAYMENT DUE DATE: 05/13/09 AMANDA D HENNE £t esfms fAawurd snvAeQ 216 CONSTITUTIONAL CT MECHANICSBURG PA 17050-1827-162 Ca ,Va11 t'NS WylPent coupon along:v th a ctwak or monay omoz rpaayjtWa to.-BANK OF AMERICA 1: S 2 40 2 2 2 S01: 12S630EI L73L63SO NNPORTANT 1NFORMATFON ABOUT THIS ACCOUNT U SE2 l 1 Rev 04/08 CLRSTOMER STATEMiCeNf OF DISPUTED iTBM-Please call tall free 1.866.266.0212 Monday-Thursday Sam-9p.ma(Eastern Time) Friday Sam-?pm(Eastern rne�acrd Satuxzluy Sam-6pm(F.aastera lime).1 or prompt service please brae zhe rnercbdat reference numrherfsl avatbhr for the charger;) m question. [I. ASE I}E)\C}T n[TFR lC`t)RI)I G C} '11115 y£)RSl£Vlr loco�£)T i f.Alf.YOt;R lkTTti.R t)R f f)Rbi ct`ITH YC}lR F Y43€eT. K;hsutse tone diip are re=: n. Yo:tr:tiamec �lcnivat�amti+cr: 1",.n.ay'ti¢rlDtte: ..__._ pusringL�aSe f.Tlx t.cn.-it Rt thrchar�svxy im.�ascxi frc�� nt S_ ix mr�ilcs ©S.I nctsfaxf sfte nae r r+art=xs_�� t I r}(±yt'i)Ib'Y`t7 reuncel the�e-snaaaxrrxc:rxcltr sk�uasadisawxrextt}:F;,-taicr,nf>SasaS}xs,f��xic� €p�.ztrtuusu�-ictttrouar=xnaM, fraznrnLse�m.�ru� �cs�,zrctr a�atah(�c�.tt�aarsts�trnar�trr�ra€�ta 2.1;"nivtftatthv a€ Iatomasstxxnkrleh}meorsherssimiltrrvuSls€tcc setnx ur�,ux vmcf xrrde �rt2 4hmkr #ar sfcardfatum.itawafixca;r�c!a tic t�Ytl it�ts: :were rf k nr e r gxesetiatf Fe 1Fe inn?.wort rax+l h}nor tx a pxem zut xuiz y1 In rote. havr not t5edtictn eydmWisethatw,vsmheshnxxtomron_ }�I :Si11t'f3IX i. ©4,AhE;€�1 did r �hi!h ixAvvanictm,IhaveczsttauddhLr,trehatu?cxyeti "i?xaer> n3kc I?lave,rsleed tile mtharttoacdanryawitint. prcnrc lrsz t t £�LtitT1[1'Ylserrat, thtegM,erezmsariO4WC.lttr04ittrr 4.1 was i&vr3aa-Aft sp that was not hewn(onawsmtemettAL%,yofiny:�i�zs(lpiscmlrsrcci fcvahrct�thcsae�st�M'tttsrartsna}mnsntutsawartt htrr Errrntaxlaa�nt}r+rtxxr'ak �^^ � I"nr rterdtant l;,ts:rlt ro�3 days martiit yttnr actoiirr. Q kiL l�rt�that l do two rra!�ssae fie znr.:a°tcxt:41erc�hantsnfir�t prtsx3e r 1t�r€nste numbers txm:rr tfser {. r s".Slercharalnrthatw B i riorol tome hasarrived danz t€rR%)r ckf nit,I rmrrw l ra,n r..v�.x�t rsrnhdr�s�xs n Pk^tsc a?ferlKm smut the s�ec:hc tdcotine numlm. ;�; Fx t'i)L y?W aria;the tmetc nt w ovdit my acaxm..l t a is �r cril;ns m i I.If your disrutz is her a difirmn ryas.z p6m comma us at the ahc�s�t eiephru r namE r hawu�merha-ndwwasdarngaia€x rdefecavt and a oftK-;;tixif4rMm.. 5�� +tare'rr u�rc s; Irate u.Ahlumeh I&I olpw in the A v e mrsastiot.I have a at a`rd the rvctiiwn,rt't+lni3O tht nxsdiandise xt i a< , \tj)LYI(Yt anki ro.ws-el a c is4ar 1 ciriler,did txu receiw this otdit r+r iz tsar Bt contact tele»hstar I tome;; tm+stnsta<<rrg:rttr.� .;envy^,,I.aua�tgwin asxra:tdtslsrt dr uartz ers�th;vtttwofthemio#ttf rrnirn u voii me anahkto rcaa:a thz etxx;Lnifiwe r expan. Billing riehrs are unly;rewrvetl S�wrriten intlutn To£�r eme your h Yang rights,p,a.e murn a ?.f ct�ifv that 4Yre argr rn E n stna5 a r trimi-wit.Ix t was stet twkvto rmy stttcK rcpt. tt fy st?rTaas Kxm and sr tt.u_y a,.arti a}Intar nancat rc�tr ling the rnerthtnt tit trge its vacs ern to: I sled msx h at thech cu rttl usm u Sa 41 Refe xe k Arm.Bolling Irwi nes,W.Rox 154126,"Zi miagtora Ulv 19830.50 USA, f1�42S Re�frttUr pIFA.SFKFF.pTIfx C?RICaINA1.FORYOiRRECQRi,5Ay7> tr.#COPYOFTIILSSCiW1EN CRACK PERIOD Zia calculate the daily balance far web day in this Aarc=ntk billin*gw1e,we take the "C�rtce Kriod"utcans the Ix riod of time during;a billiix�,cycle Allen you will o of accrue Ix�innirtp halezxxxx,,a�k3 an amount apual to the applicable Dail Pctix�lL>te multiple-d by the Periodic Irate I�oancr C1% s on certain traraxxions or balances.There 6 nt)Grace Period for ptrvitrc days(laity balatac�,acid iteyv E'urdt x nevv Actcnxtlr aces staid Weer 1'rtns�ticuI Fees, I1 lance Transit m and C:as}a Advances.If you .ay in pill]this matr.menei New lkr(ance Total by and snlxract appy ihle ptxvrrlcslra and crwxlits If airy tlawly halizxc is less than 7eatr wz t eat it as its Payment Due bate and if you paid in toil this,tarmrtcn'PnTMviws Balance in this statements rertr if the Pte�tcatzs l3al tztex�ttnsm tut:his state,ticrtt Baas pa id in ful}in thu statetttcztt`s Hlig fill a cyv k, then you ou will have a(+rtc�e Period during the hdlinl"cycle that began the day after c yt e,then cn1 the zlay after that payment in full date,we exch(k Enact the l cp iniainK halatxce this.atatt°ment s Cl ng Clare on the pur base portions of rhits stater mt*n ,,New Balaw xz; total. ru r Pw1r lxa v s ncry zlccrtttant E cx i rod ticyv Tr4nsa xirn Fvxx which pxxctt on tar l r fstrt that During,a 0'.%Prort'10,titinal Rate Coffer 1)no periodic Rate Finance Charges accrue on �vmaaat is fn!1 date,aaxlwe tkx n(x add rxtiv IAucha a ,new r�<crxtrlC ctr waew'liarz�cti(m baumcos with the MY Pr<mxi>txnl(Rare,and 2)you must tray tic Total�Mirimtun P rvmerwt heec which prxtt nt er chit yn>eszt in hzll dare. I)w b?its Payrrcizt Dua.l7ur.s.aaxl,avr it awly(xlax"lie tlxxtotw ntnrza£i T rail'°as tfefirtd in )&ins ludo the(csta your Credit Car A;n triert)ro fi>r ti>:i:rxfitt.wrd deli t.wrax l axiom}?i:?n orenciu iatsinrtnrc�Cnrnh taxi tt airittin t1w 0`h,Promotional Katz, through hw wts in ui)cuhaung;t?te begin mn>hahavc fern the first day of the billing e}e k after the •"If a cortcspotxling Annital lieu ertt:af e Rate in th.[ina;ttr Chagee�ec Schedule coca t1w front billing cycle in w%hidt sou h unts.arr bill. of the sraterr nt csnttarns 4a...... then with respaa to thwc Em1:ana�:1)the 0%l TOTAL POW=RATE FNANCH CND COR+p WXf1ON Promotional Rant;wilt expire at tilt:etid of the next billing cycle and«)you must pay this Wri(x hc[We Finance Cllaw� a"+nt and are compounded on a daily base 16 determine swarrxaen>s New t3alarue E601 by:ts Nymmt Due lair w avoid lien Rare I in>lxe C hamoc the Pcrixla R ue Fiaarxr Chat s we zntwkil!v e tc h lxalarut Stihjtzx tea I uuamt C"tars e by is atrer cite end ztf the t)"�t E'rtataraatzaal iLue£liffc�r vm thcx�t lxtlancx,�vxisrit�;:ts c>#r}n(;h�ial; appli,.tt>Ec I)aity Pcrix(ac Rats and trait nsult�?'ifx axunalxt ofzlays 1n t1a halitnp;c�}�ck.lrr D,ae of this staternent, dettrinine the szxxf pel'i(dic Irate l nanse fur tfve idling c~rcic we add the Eocrio dic Irate CALCt1LATWN OF SALANCES lStl8JECT TO FINA M CND Finance Charges es mr> thcr Each Dail peritidic RAW is cak- l*xt(xl 6y t ividitxg itY aSi[T"lxtM diCk� S}era(EktEar A Sgt lzzrd t including nc%v Ektl arao Ton fem and tttitc Cash eStivasxxs): rinnctai Perccrtn w Rau by:3t?3. We caLulaxe separate llaLn cep,S'ubjea to I'manct C.hag;e hir lWance Tiranslem Cash Advances. H01M WE ALLOCS1'S YOiRt iAYMERM and for each 11rorm"xial t}ffer tea anex comisting of l3sz$atxx^Transfers or t.Ala Advans-.'.lt4'e Wi will alGxitre Vour}iaynistts in th e in most instaaicis we will do this by (l)cixuLunzg a daily bal tax"c for each day at this statetne ntS billing;cycle;(2) AxAtc your�n.vnxau+tot t,lute( (ittclu(l nR 4 Fait aettfialY anacle afn r chi swtewtaent)with lower rake larntg a d ily lxal3nsr fi,r ca.h slay prior ter this sett x tsr halLn, cycle rfut ham!a`Pre APRs lxfcrr hatuxc°s with hair,( r APRs.llus will rmnit in b abu,-swish lower;]pits(,.such as Cock lta�ruxe"-a Prcd`ycki�=ter is a lialn�lnaaaah�t>r C;aSh Avarxe,yith a txaat�actian oily lt;z€arcts svitla prozrrtrtiorial APR ofScxs!lx�rp;paid lxfcxe ins•trhtx cxistit�txalazxts. d,iw prior to£fits st:tx n sntti biffing cycle but wilt a posting due within thu slutare atIs Hit' GOW SlandbW rota,(3)adchr,p,1111 the(Lilly lml w aces tt ohs r and i,43 dividing the xurn of the daily Kalanexxlay yt r Paptncut l7ne Date oval]rxx fail con rho same clay c h month.In artier to help maintain rho;ntarnher of days in the sratemime,bil=in cv le, any ,tt nxstieemal rates,tot avoid them imposition of D fault Rates f if applicable),to avoid late fees,. Rt a ale:aEate t{te alaily l'xlazxc ft tr i rclt a v io this sranzxwsaxt latllint�=,exile wr take t ansf to avoid ervcrlittvr fees we mwq receive at least the`kcal"4lintrnum RIV atent Dote In-its i rnning balance,add an.amount equal to the,applicable i):ih°pentxhc]tare tnnttiplied by the liavTrxnt I>ue Pate cwh tx)1ingcy�cle and you must maintain your account Ixllatxe t elrnv your rrevistzts d ae+daily ltalatxcx;acid rn [?a!incv Traalsfa m new f„i h ldvarxxs and and C edar E ilnwt each day. ru u ixi I ass=end sulxract applicvbte payments and.cdim If any daily balance is k S than important�N� PaTrtterrts�� rt nt we to it it as rcro, To calralate a daily balance far eac-h day prior to this statement?,billing cycle that had a Pre- Whon using the optional hy-ln-Phone son ice,you auth orif:its to initiate an electronic C'}ck lzalazzzr,we kc the L? jnri pt halartce attziln table seoleiv tot Ixn L}r loalznc es vvhi h Paves Cut comyotr ia acm'€ntat t httarlcl a cuticott rota dcsi,ti uc,Yea mkst authc nr�tic> yr'.f be rertl on the nns�ctiOri elate of the hest pre C;yclC balatxe#,add an amouiu ec$ual m the anxaunr and riming of each par r.For you�xecrion,we will ask for sexvrty infrnn�rieon. ap olio ahk Dnae Pe.:txi c R 3t£ntulri,k-d by ffic previous fan's daily ItLux,and acid only,the Afee may apply,T4icancel,call us hefore the. ukd p=aynxitt dare.Same-clay torts tics appiiaable p e C} le baLnxes artd t it reiatecl'l'ratwsactian k s%e exclude fern this cannot lie ediied orc.`araee6l. alc MISCEULANSOM tilxtitxn all corm ocn ons pcltae d in previous billing cycles, wrap e t)aily'13alaaxco elet#uxi Irndiadln�n txv P i ahasas)r Z c ttkuLtix u parare}k;hvr ces for the complete rerms and exinaiti4ons,sr,yroty ac�nant,cYxist}lt your Credit Gard tiu�jes[m xixr Chazp e h>r.Psut hates and for each Promotional C#et balance rcanstsnnR of t191°etnent.I IA Card Services is a sot&name of FLA Card Servies,N'.A'Ihrs account is LW led putch.wsi s_lie dt this lsy:(f I calculating a daily balance for each day in tilt billing cycle;Eli and administered by 11A Carl Servkr°s,V.A. odding all the daily 1 ibllce rugexhm and(3)cfividinR the sum of the daily fttlances fn the zxumber of days in the billing cycle. PAYMENTS We credit payments as of the date rcreiveti,if the payment is 1)received by t p.m. If your billing address or contact information has changed,or if)our (Eastern Tame),2l received at the address shown in the 6onom left-hand corner oaf the front address is incorrect as it appears on this bill,please provide all of:his siatetrx t,:3)paid with a check drawn in i=:S.cf llars on x US.financial in titution or corrections hare. a ll.S.dollar money ont!"and 44 sent in the enclosed return envelope=with only the bottom txortinn of this statement accompiauyins;it. Payments received;otter i p.m,on any day .address I l,a Iudir` the paytttcrit Due Date,but that otherwise comet the atxove reguirem t,will he crcviited as cif the next day.W will rejez-t payments that are not drawn in tt.S.dollars and titre drawn on a financial institution lox ateal outside of the United Static. Crtdit for any Address 2 a tither payments may he delaved up to five clays.No payment shall operate as an accord and ,xtisfaction without the prior written approval of one of our Seuior Officers. City. � We process T st payment checks cletaronically by using the information found on your v no check. I idh clieck authorizes us to create a otie-tratxe electronic funds transfer(or prxcss it as a check or paper draft). Funds may he withdrawn from your accounr as soon as the State lip s..arm day,e;e rece ve your payment. Checks are nor returned to yon. For more inrorin anion car to stop the d"tronic funds transfers,call us at the number listed an the front. Area t.: hoIf you have authorized us to pay your credit card bill a+wwtomatic ifly from your sax�ingq or I forte Phone ex c heckzng account with us,you ran stop the payment on any amount;(.)u think is wrong,To Arca Conic stop the:payment your letter must reach us at(vast throe husiness days before the auannatzc Work 11hone payinGnt is schWole l to occur, BankofAmedca Prepavdfor., AMANDA D HENNE May 2009 Statement Account Numbw., � 1635 Credit Linn,' $6,000.00 Cash or Credit Available. For bon on YourAccount t;s;?.- www.ba n kof ame rice.c o m Summary of Transactions Billing Cycle and Payment Information Call toll-free 1-800-626-2558 Previous Balance $9,423.02 Days in Billing Cycle 31' TDD ttearing=impaired 1-800-346-3178 Pa y ments and Credits $220.00 Closing Date 05t18/09 A4*1parn"s to: BANK OF AMERICA Purchases and Adjustments + $39.00 P.O.BOX 15018 Periodic Rate Finance Charges + $184.78 Current Due Date 08/15.09 WILMINGTON,DE 19886-5019 Transaction Fee Finance Charges + $0.00 Current Payment Due $315.00 Mad&I'mg1rquiresto; Past Due Amount + $1,658.00 BANK OF AMERICA New Balance Total $9,426.80 Total Minimum P.O.BOX 15026 Payment Due a r WILMINGTON,DE 19850-5026 Promotional Posting Transaction Reference Account Payments and Credits Offer ID Date Date Number Number Amount PAY BY PHONE PAYMENT 05111 220.00 CR Purchases and Adjustments LATE FEE FOR PAYMENT DUE 05113 05113 05/13 9203 ; 39.00 YOUR PAYMENT WAS NOT RECEIVED BY THE DUE DATE.TO AVOID FUTURE FEES OR RATE INCREASES,PLEASE MAKE YOUR PAYMENTS ON TIME AND REMAIN UNDER YOUR CREDIT LIMIT,REMEMBER,IF TWICE IN 12 MONTHS YOUR PAYMENT IS RECEIVED AFTER THE DUE DATE AN D/08 YOUR CREDIT LIMIT IS EXCEEDED,YOUR APR MAY INCREASE. OUR RECORDS SHOD!YOUR ACCOUNT IS PAST DUE Promrtl2nal Corresponding Annual APR Balance Subject to Category Transaction Types 041y Periodic Rate Percentage Rate Type Finance Charge Balance Transfers 0.062986%V 22.99% S $0.00 Cash Advances 0.062986% V 22.99% S $0.00 Purchases 0,062986% V 22.9996 S $9,46,125 Annual Percentage Rate for this Billing Period: 22.99% (includes Periodic Rate Finance Charges and Transaction Fee Finance Charges that results in an APR which exceeds the Corresponding APR above.) APR Type Definitions:Daily Interest Rate Type:Va Variable Rate(Interest Rate may vary);APR Type:S=Standard APR(APR normally in effect) 16 009426800019730000022000000 1635 ❑ Check here for a change of palling address or phone rurnbeT(s). Please provide all corrections on the reverse side. BANK OF AMERICA Itrs„I,aaf P.O. BOX 15019 WILMINGTON, DE 19886-5015 ACCOUNTNUMBER: X1635 m NEFYBALANCE TOTAL:$9,426.80 PAYMENT DUE DATE. 06(12109 AMANDA D HENNE F,veryn»rxnma�rrr 216 CONSTITUTIONAL CT MECHANICSBURG PA 17050-1827 'Wad;hs psy,nent Coupon alor~g wth a alvck or money ordgrpa}jble to:BANK OF AM£AICA 1: 5 240 2 2 2S01: 1 2 56308 III ? 3163511' WPORTAW IMFORMAF►ONf ABOtR THIS ACCOUNT' _ t3 S E 21 1 Rev.04/I38 CtlS70MER STATEMENT OF E?tSAtRE REM—Phase urtl toll fnee I SSG.266(3222 49aPrday ThursdEry Saar-9pm(Eastern T dme),Frarlaay Saar-rpm!Esastrrn Tirnr}rzarcf tttun zy Sam-tapm{Fastcm Time} I£J«j�rr,rrrpt se rrsirr plc tse lzut the rtsYreli trait rc fererrec r+rrrnhe r(c?av arty ble for the rharsg5)in question. I I.FASE DO NOT A[.I ER WORDING ON'€1 itS Ft7R'e1 AND DO NOT MAIL YOUR L"TER OR FORM WIT14 YOUR P.AYNIENT. C;hnote ranly one dieprlre reasori. Yoar Naraie. Account cumber: l wa, -wion D,it;. ._, I osting Caats __._ Rtf rcnc, 'Nunrbcr: Asnnnt3". �. ..___,..._.___ DiputedActcrunt3: __._.. ._ Mt-chant`vaurc.,",.._............. _ LTI e ate ti t f dtecfar yeas i auxi fr nm S as 5, or my salts 0 E.t sot ed!e n a are axt % (MINVgIWY)to i?W1 the Ise-ais6zirsd infer 1rpu,,b ad"iwxTwdy.F,nkwdisampn,of z�s�rs t�t turnst�crxecxattux�t resenartm).€kisecift va�tacx SrrrdTayahhle,vikieaa yy(if w vzr+tnaand;f Q2.I:x-tifralratt ctrl nalrtxmy�rstxur > h natsa natsth tu�x3{�sttsea�cneauyk rrl=Kx eo}ntay;mrxkph,, ehd hrvur lataasu)nmrt£rar�m.itaawrnrca lasxu�lrxcs lien . acreth r�orwrrarsr:l vxdby,htmin%vnis+areeivtdbyn,cw,,perna;%0 izz,;Ixyroe, [m 13.lhtvr not r ixcl ererclundittlttwa mbe+hipt*nttrmean_%f�SLS4 I Y'Yi. 0 9.r11 thwwhlc�dr�a�ttttlarahrrccstffrca�ca4tlavc�uturcitla terrdantieurn�in.T�sea i<�nahe I have isked dr t>x Chart w taut a+xoum, pre i"#xi f ('ti.WDI TY)awe ncx rea*,d orwem tmsatisfistow,,Aunt a l:mx =4.Iwas issued amvdk slip that was nxshc nmmysuttwatYu y4ras:teditAipistxu:kKol iImrhi,Ktfirs c ni4 ascapecnl nssrincmMtorrsA wwstithemmiwt:in acxtaverftimaraxit . 7'eeterrlaxrythtcaptt:4t)cFaysztzscityt trucmnt. Q t)1Ir�emfy that ldo not re topieshetram+xtit.Nt"khaMr,knprwilerek-Ph,-tcraumix-ism-(t;ntlmr ©i.M m-fivulm chat,w3sshimtxdto nsius;tmvcsidaoz ! lnatamttlirm maraca i)arse146hr;csttiterrrc�rm_I s esi tWrprtoavItXtthrmrncna III t fix utfixgrattM r rAl,�l,'1iDAY aril asked the n:tscharr m m0ir niv a�caxmt.A;acfi a letter describ;nag U i.I.If your ckVae 4(era did`ene it mason,please contact us it the ahc_vc tdcplarxre numb t"na ore mrnh.,an was damaEd anckrdetcc-t and a uy of t,-,too£rriretum, Althtmigh M cs ,nthraf aeaarnzm,Iharcanr -ctl hcn+crcEtattr,tettddatmtnindt 5rrrattrre€rectnircxli: Cute xa r t A?yL7y Y5'l a dry resl a,x3tt I .,; r i mx rreeirr€ltiscreuittxff.ras Bcst contract telephone A: I it me#: trrtr€ x;,n:At� }� kttrr�pta r;ngvvm z a rdtam Eisarticarta a? t f th�prcnft f ((--^'-�'( reruns lilcxiare aanabkto rettnt �aultvt aseesp.aia. Billing r,N,are only prc,trrtd by wnstyvi irutuirt.To preserve}asur Filling right-,p,eacc rtunr a ?.I iLrtift dut the ukow iii gkwstion%ai a'44'. .V'ktitat Im WAS p>i(A tcti+Y to MY ststeat#'i€t. "Ty rC t h firntl ahld.thy v4 p;ritan,artf0[Ra3tMrn reyardra rltC ar:E�t{'vt[tr c'L3r C in y�t<e;ahtgr iE)] l d d alas aartiK'• LC the ore rul t asasted ut S alp 1 S I?eha auc(t Ann;Billing Inquiries,P0.Box NN,%druingtom DE I9850-it1,,C USA. ;le s2 3 RvfiTrrr a PI.£ASF.KFF,P TFII:ORIGIi �L FOR YOUR RECORDS ANT)SF\D A COPY 0 F li t15 ST.A7T'ME, CPAM PEF WD Tocalculatethe daily balance fix each day is this ssamnratL bithi r cycle,we take the 'Grace Period°means the period of[uric during a billiaut cycle w lain ytxt will ixrt acrirtr Ixginniag;halara�,add ati unaunt totals ttr s�appliuthle Daily pcnx�k Rate multipl^ti liv the Periodic Itate Finance Charges or certain tran%xwions or tm6om Ihere is no Grace Period for previaxcs slay s daily baiatxar,uhl amy t'ut� new AcciRtnt Fees atul new�I'r tns�tatna Fv�s Rilame Tram k-m-and Cash Advances.If ytxa rmy in fall dais statements NN,w l3,alance T(itil by t it as its payment Due Date and if ytyu paid in lull Fire vious 13abince in this illing baLu�tyck them voti will have a Grace 1'tiod ducu g,the bit lit cycle t I i a t began the clay after cycle, aetz can the day afttx that p iyrtcait n Etall vote,rye excl k ri the l nrung I alaOce this statr.rtxtifs CliNing[?ate on the Purchase portions of this statenum's Now Ralanu:Total. that During a 0',%Prutriotiott-Rate Offer:t)no Periodic-Rate Finance(Barges accr ire on I ctynxrtt ut£tul clue,atxl yue der ncx ackl rxw t'ttcha es new r�cutunt Fc es,crt racsv"Ii attic[atom l»glances with the(?'',t Prtxnt)conl 1 Rate;ato)2)you must pay thr Coral,Miiiimum P n nxau elate. T)ax h}itslr yatu Dti I}ur,f,ttxl ttynricl saaytrtltex l?nxtxx€at zttrca t.€£i awr rat"as�k�l a etl tit Wig iitxk the<xnts£<rr tl crcx#it card<3e x cu a^lLstion Itl;a,n crrenaiit i€tanrtre pnrtz h awl your Credit Card Ay rexmxmt)to irairtitain&,,t1',i Promuxxcmal Rare, through cis tta c'"latdrig the beginnili�halaza�for the first-day of the billed ctic le after die If a cxrrt� nKLlingg Annual Peme rta�Rate in th;_I"naanc,e C.har�&hedu e(xa the front billing cycle in Which uuia assts are bi W. of tbis state m entonuanas a °" symbol.then with r w to those,balarxz-.,,1)the 0'X, TOTAL PER11101W RATE FRANCE CHARM CONMrATM Prruhxxiofial Itaw%vill expire it tie etut of the axxr billing ryck:,and 21 Vint must txay this Nnotfic Rate Finance(Tam4as accrue and are anripoomie l on a daily basis.'lir cknermine ,,t:wm1ent`s New R:alance Tbral by:s Nymenr Dtae Dam to avoid Ireria�Rai Finance(hirges the percxlk,Rate Funatare C hats vie nnalapty each Yalare SaaFzjcxw to Finance CTtattre by its alga:r the end of rho f3`%<a Prcnticxuan:al Rare Offer tit chow.balancx,�s 06"tia1;as of The(0s;in; applicable Daily periodic Ratee and that n-,sult fsy the nutnlx.r of da}^s to the holing cycle.Ill Date of this stawnwirm clt"nino the total Periodic.Raw firtance C ha fear the lillahg c°vch we add,,e Periodic Ram CALCMATWN OF ISALANC ES$1.18JECT TO FRAMIE CHARM T°mincc 0orgt s x> rhea Itch Daily Peatic> k RAte is calciila v d 6y(liv�ng;its cr)m-sp nditg; Aa erage Iktlancc;4lethod E ituludirag new Ikhlatiu F any£ers and rtes}(.a ih Advar c sl; Annual percentage Rate by 63. 11'e al vtlare stixarate Nnhsahct St€b' r us F€n ance(:hates f€m Ikalaau l°Innstrts Clash Adrartces WN i�EZ ALLWA B T�PAl+IIIl NTS aril fim each Proma.)fional(&,r I a ny ctntsi ing aaf Ekalnxx Tnnv£ems tar(�h Advatxx e {will alkx ate yciir triynulmi in the m awxT w4 dm-ma ne.Iri most iristamv,,we will do this hy:(1 cz,&vlatn�a daily balance for e xa:h day ut this statenieur`s billing cvi kq(2) alloca e your ;tvtnents tXr k c li€ laulingiraat gacits triavio Ater Chi±tatcntsenti with touret saki lateag a daily halarur fix k u h lily prior try this statemtmt ballr t�rcycle,that had a'Pr+e- APRs W(ur ltrux• whit hwther Aphis."This will rtsaalt in, flan x—,with lower Alrits 6411th as ( e.te Italanvx a pre-Cycle bat a a i al1>ace"I an fvi or C ash A Vatsti with a traatSatwic>n a w Ixt€anc with prcrnur iona)APR of£cars)1ning paid l?ofcm any mherexi.stiRg hatancxs. dal I rior to this sta a e nt's billing cycle tx:t with:a posting,lue within this statement's,hiltit� �� tya t t3 addan rr:II the c4tily Izat t xe re rhtr and i4) 3aviclirg;ripe saarrt<rf the daily l aianctslnr Your Riymchu D Dam will axe fall on the same day each€mnrh.In order to help maintain the number of clay,,in this:utetnt.ne k la in t1cle, any promotional rates,to avoid dx imposition of Default Rates(if a Itcable),to avoid fate fers, lit calcAlte six daily l�alioce for each t�ay it:zliis vcanYZxvttIs Ialle =tvcie vVr take the anti tpo avoid overlimar fees,yati mtut retiF ive at 6easxtho Trxal 4Tinimwn Payrrtent Date by its beginning b'dancet"led an amount ectwil ua the appl able l Aa;ly Yeti ic Efate multiplied by they Paynxtit Dix Tate each hillirtg cycle and you mess[maintain your account 110 kartcc Wow ycnir prev sous dap,daily sedates;atld new Il alince Tran%,6 tm iiew e:v h(Ivarxx-.s and atad Cr dir huraat each day. Ti ans iciitxa I tats,acid subtract applicable payments and mdim If any daily Mance is k�than Important k �abaft�w� lira We treat at.as"'CM by Phone To cakalaw a daily,balarcre for each day prior to this staatrmentk billing;cvtck that had a Pre 1XIbum using die optional Pay-by-Phoax geryice,you authorize us to initiate an electronic: Cycle lzalancet we t ake the Ire}fan itgg balmace attril ittal le sole to I'M4L"yc EztG n Ges yvhich trapnnthi troth ymir utcowit at t x financial institution Yost desigrtare,lt?ta tta€€u authtytiu tli will be mm can the trnasccxion elate of the first Pre-Cycle:,aiaaxe;,add an amnavant ecsual to the anaounr and timing cif each paymexar Fix your rmtersiont we vy'ill ask£yu se+zarity ea£rmiaatiori. applicable Daily periodic Rate rutiha,,lied by the fxv�ious day's daily laaltncc:,and ak� only the A fee may apply.T)eaauxl,cah us ixforc the st� ulyd payuxrit date.Sant^-da payr,"itc apnl"hic l'trky cle Ixalnaces,and their related Transa tion Feet;.its exclude from this cannot be cadited or canceled. calculation al's transac-rions posttA in ptrev ous billing cya lm MISCELLANEIM Average Daily Balance Method lox Judi rag tv Po yha es?:IYe plc late�parate Fki�na� Fors the cxxnpkce rrnTn asst tamd tiems of yeast aecvxuat,ceiiarlt uiu Cr tit C and SuNect tag la'aatati=Charge for Purchases and Itit oaf h Promotinnal Offer balance consisting of Agreement.FtA Cram{Services is a tntlename of FLA Gard`ierv�itex,N A 'I1u i accfmnt is isstied Purchases.)e do this by:{1 j calcukiting a daiiv Izil ants for each day in die billing cycle;(2) and administered by IIA Card Scivhces,NaA. adding all the laity hakaticcs tc t o tl cr..aml(3)dividing the soma of thaz daily balattcta by the )aaam}x�r of daps in the billing cycle. PAYMENTS A'e credit payments as of the date received,if the payr xnu is 1)received by,5 p.m. . If your billing ad , or contact information has changed,or if your (Fastern"Time),i)received at the address shown in the bamona left-hand corner of the fron€ address is incorrect as it appears on this bill,please provide all of this tatvinvin.3)paid with a check drawn in I.I.S,dollars oft a US,financial in titution or corrections here. a tl 1.dolkir money sawyer,and 4 sent it)the oickisced rLumi envelope with only the bottoul portion of this statement accompanying at Payments received after i p.m.on any day ldclress I including the Paym.nt Due Datc,but tbat odic'nyse n,at.vt the above reatuirernc its will be credited as of the next day. We will reject payments that:are not drawn in US.dollars and n t ose drawn on a financial institution locaW outside of the United States. Credit for any Address 2 a other payments may be delived up to five days.No payment shall grate as an accord and Satisfactum wirb+gut the prior written appnavat of one of our'senior Officers. City o A�'e prcatt triter p aynic is checks eloaronically by using the information found on your v tht�k. I�aclt check authorizes us to orate a aytic tivac ele:c[ron€c fu€ills trans;er(thr prcx;�ss it as a check or paper clr:aft). Funds may he withdrawn from your account as soon is the State Zip same day vv o receive your payment Checks are not n-turned to you. For more in£rimmation or to stop the clectronic funds transfiers,call us at the number listed tan the frtitt, Area Co& If you have authornred its to Fay your credit card bill atitomatic ally from your savings or Home Phone checking;account with us,you can s�p the payment on any amount you think is wrong,Ti Area Code N top the payntent your letter mu: Bankof America Prepwwdrors AMANDA D HENNE June 2009 Statement Accounl`Nambw:• 402000IMS 1635 Credit Gros: $8,0()0.00 Cash or Credit Avaitable: t, Forinibrma5on on YourAccount Visit. www.bankof america.com Summary of Transactions Billing Cycle and Payment Information TD toll-free n impa-ed 1.806 � Tpphearirgsimpairet31��Q0-3dS-9178 Previous Balance $9,426.80 Days in Billing Cycle A.tar'€Payrnantstov Payments and Credits - $220.00 Closing Date 06/17/09 BANK OF AMERICA Purchases and Adjustments + $0,00 P.0,BOX 15019 Payment Due Date 07115/09 Periodic Rate Finance Charges + $478.79 WILMINGTON,DE 19886-5019 Current Payment Due $270,00 Avail Bi€trng tngW.,�s to: Transaction Fee Finance Charges + Past Due Amount + $1,753,00 BANK OF AMERICA New Balance Total $9,385.59 Total Minimum P.O.BOX 15026 Payment Due f' WILMINGTON,0E 19850-5026 Emma Promotional Posting Transaction Reference Account Pa menu and Credits Offer IQ Date Date Number Number Amount PAY 8Y PHONE PAYMBNT Qf 14 220.00 CR OUR RECORDS SHOW YOUR ACCOUNT IS PAST DUE 9=1 1111M I I Protwtionat ConsWondingAnnud APR SWance Subject to Category Transaction Types Daily Periodic Rate Percentage Rate Type Finance Charge Balance Transfers 0.062986%V 22.99% S WOO Cash Advances 0.062986%V 22.9996 S $0.00 Purchases 0.062986966 V 22.99% S $9,461.97 Annual Percentage Rate for this Billing Period: 22.99°A (Includes Periodic Rate Finance Charges and Transaction Fee Finance Charges that results in an APR which exceeds the Corresponding APR above.) APR Type Definitions:Daily Interest Rate Type:V=Variable Rate(Interest Rate may vary);APR Type:S®Standard APR(APR normally in effect) 16 009385590020230000022000000 w��1635 ECheck here for a change of mailing address or phone nu erfs). Please provide all corrections on the revere side. BANK OF AMERICA P.O. BOX 15019 WILMINGTON, DE 19.986-5019 7PPAAYtMtE1VTrDnU1EDATE.NTNU€ SER: 1635 ro NEWS ANCE 7i:?TAG:$9,385.59 07/15109 AMANDA D HENNE raw rar..rwnr .x�a 216 CONSTITUTIONAL CT MECHANICSBURG PA 17050-1827 i 1var€his vwnent coupon zlor,y:witn a check or money ordar oayabte to.BANK OF AMERICA 1: 5 240 2 2 2 501: 12 S P3 3013 173 163Slim iNPOR TANTINFORAUIWN ABOUT'THIS ACCOUNT USE21i Rsv.04l48 CtiST'OMi!$R STATEMENT OF DISPUTED iFEM-Please Call to fret 1 N6 .2fiG Q2121 on rsday Sam-9pm( 4ttm�rrte} Prid:xy Hrxm-7pm!Pastern 1"girlie)and Saturn xy Sam-6 pm{F.rzstem Time).For pronipt service please have ibe merchant reference numFre rfej availalzle fir the chars e(s)in duest.rrrt. Pi,EASE DO NOT ALI ER WORMNG ON'T litS FORIM AND DO NOT MAIL YOUR LM ER OR FoR."t wrrH YouR P.AYMNT. C[ioone only n`se ditp;ire reason. Y i:tr Natne: Ain in Nunilsm. rrarasactian Ua*.e. Pasting hate ....__..�_....._._.__. Rekretcc lumber _ Ai mmt 5: __.._._ .. ... _ __.. M7 puted A€mmta S: . �_.. .».. _._. Mee diaiu Name: .._. ..._ ..._ __...._. .............__.... .._ .......__..___.,.__ ©S.The ar x tr z rhr<.hv e bras inn ascaf cent y n>5 ix ens ctirs ®$.t as i#then char art,_ t r�t4L[3L Y t3 m tars d the pre-autTaxizxc3 nky slip war ac tit ixrca y:E uk stvl a arpw s t x sa fs € gait i t v�tt e cniararxxaat 'rncnatim).Please fmc cvsce(tettitzr A an r_TJ I;am'at'te,rsa k a a E beau ec V-a and a Q 2 I a rrh tltu rt r a t t rxl aL wu taus n x n tde h}nx ix a Ta rstm audx r[ud kry nx to u e tom card ilex cflrs art ymr€ek*ry M dxAvngdau sure}run:€;f ejnuJLttitan.Reaaeu t xca tad atnrz'c SrxxlFr<m : vyere tlse p x cetvrtx tttxeserr ed hr the t'tImaoin rzacv.ed by the or a In flat, [�J3.IFavrncram` irdtherxmlra>kt thatuacmFeahipT*ettmmcsm_I #�,411tt3f77 t. ®9.1hExi t idr !�nrthcafti�etrar�z�c thavraucarnlrt€et.enla;vfcxm9u.Itxseric�cp>3>e l lbw asked dose srwidlantto credit my xvmx, ptCSictcd stn t_ 1 �fhl4ffiiL71 Y) �rcz eib i orw unsuiskxttxe Ash a ktm ©4.1 was is ueda cmlt 4p ttut was shown ur my g3t.•unto.A aipy of tm act U.'Jip is tM&is"I icsc r tFc�crsa c tx}xz t rsu atre++stxs m restrif s u�da sht 'cant aucl x a p•of,twr s meta. I lie rust has aptr it(l days tomolityrurawouris. (� ]71?l yrlsxldntartct( ntrezltsatssacnm.Altntanrst4fsptn}etct hcaicnunkxtsr tr they .'a.4lrnhand%s��r�rltt4ts,hiot+edmmrhasartivcrfctnra ar�i,'iai&�+me.lrz�rnetilrc=;n n.u;r�srtr.•sM:Sngstaterreis_Pictseatzrnptmctnrcutdae;rereszanr�;rtnk;r€erat4;n. __' 3L FblkYl aml asko d rxxrrc�ht a>cr mY acsaw t.9trafi am rst�ib rte, k i.If; &'47).is£car a eliflerrnt re�m�ronrtact zs ac abcrat re1r�nu nl� hsnc t4�miertuvxlnew�dam.�ed a€ c�rSsz a?da,npv cft,4eg+n�fof resum. 6.:Al&ugh I da of de r:dal we trarosx1im.I base av teil;he n vitim ntstnxA tht'MMhandisa *naulre'reuuircjl: Date xa to r z 1i17?tVl Ys a �ry tebi a x31t t t�r f t nx r rr the arcdst r pie gas Pier Contact retelahotte#; Flome#: rn tee;Y fri a r t bt)tt riot a edrlra .thidiarWwitha ag+t=afthepr(K:£€rf oats>It s xi arc unable to r n n ores hsrtdi enp . B€lli ig ri fits are only s"z.wryed by wriato iikluirs:To resme y lair billing nghcs,€r rase return a .I Yr f'that tfieu ar ut ucsxxxt wz a tr tax au bia was rod ebb"v to my €tanerit. t}y sa;stn hunt and,ins,n i,rtti iiiforrnatuin rcurdin rhr torte!cut charge Cif quest txf to: I cY l ii+x aaulux ze the crud traits st #1Rele erne# Atra ttrllirtlg tngrrirics t'Z3 is 1irZb lt'rtttdngitrn DR 14850-5026,USA. Sal a S Rrfii r 4 Pt C ASE KFF.P TI W ORIGINAL FOR YOUR WORDS AND SF\D A COPY OF T1 US STATFNtE.NT 011ACB PENC10 To:calculate the daily baalaoce for each day in this stanat ontk billin¢r,cycle,we take the 'Gratr 1'e•rktd"rueans the period of time daring a billit g',cycle vvhcra ytxa vyill ratrC accrue kxgtnnirig bralaaur add an amount f.�vlual to the applicable Daily A•rkxlic Rau,multiplied by the Periodic Rate Finance Gliarges an certain rrat:,sacriuns or bXtlances.There is ntr(ins Perkod for prevlaxts day s daily ba4atu r,adtl Sttrcao furchas taelV Atrousrr Fees,arced lieu Clans tuxa Fees, McLane Transi r s and Cash Advances,if you pay in full this st iwmertr'.s New,licalanm-C Taal by and sttbtr act appli<abk.paymesats and credits 1f any daily ralaiacc is ksv than zena Kart at it as its Payment Dale Date and if You paid in full t is statemle u s Previcraaa Balance:in chin statements, �erts if the Frcvtcaaas 13alatxe slacrwas tm th s statea�nt was poi 3 in lull in the statxrrxmt�billing brig utl cy k,tlaexagbtxz will have a C;t atie 1'eticul cltttinF the hill tg�cde thaat 1> an the day after cycle,datat crta tlae dos after that�tytnetat in Ett11 date,r�exehxk frcnta the hey inning lsalaOce this 4taalnRart 4{ asaEag Dian an the l'Ia7q giant p<arrnorts(>f rltas Slott Iltt7rT S b 9i I alatttk TOral. [etc`Puryl>asts oaf w Act uaaI l€Y S:wild tt£9Y Trin5aiY1[rll lrx Wl tda pfrSttYl f 3n tat l ef<are that Doting a(1'%n Pnrnr xitlnal Kai Cyffei l i nro I'eri(xIx Kati FYrratxa C h sty es atxrue Cal payarl act ill foil date,anti vye tkr filar add rxty Purt lr au s ntwy AcceutnC k ee,(>r ncty TYansJcti n t alms tytr r the(N Pr,>rxxi(rrla;Ram;and?;yrxi musty zlx T(ril9iitimum Paynxnt l Eec whkh lsczst.atxs that paynat tat in falls d ate. F)aac by its htyment lhx l'}.uc;aixl tvaoicl,En}txtaa`prOilrat.ulrs ttrrza rtf v�err"as sir s rd ill tic^iaxlsafle the tans fair t;x f.rexiirear l delx c.:ar a}sauun ph in t,ircirtlit irtsursrxe lratckr a et vast C:r�tlit C and:A c er art}tiraraul stn t1l f)°h,Ptonscrtkonal ktaa . thr(xtg;lt us inaalcubfill;the l OVninin 1- atyx for the first sty(sf tbn h llua;cycle after the "�lf.ac(nn rnalsns nntGa)Pe c ta} 12areintl> FnbatacrC car �Sclaz lsi ixatIze£rant biilnsgcYeleinwhidlstuhcants:arclrii 1. of the sratrnu liter-natanaa a syrnhr>i,tltrn with nspo*to tht 1)thx 0""! 'TOTAL PEAKKMC RATE FEW"CHARM COMptJTl ICH Promotk)nal Rsuc will crpirc at thee t, cif if I 'xi billing cvck aril h)y<xa roust dap this F @noxlc Kate lrinarxx C r sstxstre and a cxrntpolu€dell on a daily basm'lio deremline ss.tr ruaats tiew Balarue lbnl hg Ls l ayrtlersr lltte.f)are bra ab°r»tl Pc noclk Raw l'ansarce t ban es the Periodic fate Finarxt C�aa r,,we Multiply each Balaracv St4tr to Finance 0arge by its afirr ale end oil {1`%i,1'rrnnexif>n<a,h ate Clffcr cat thtyw b as ri,)as exi i'llig as of the<;1(:nlg aplalit alb Daily Petkx}ic Rau ant!that result fly its:nuinber of(Im-,in the billing cw kc.lb Date of this sCatcnxne, lettrinute the total Ilenott,Kate Finance C;him-k)r the filling i-11 ,we add zfiePcxz�die hate CAL.CUL AATlp1!OF OALA1t M SUBJECT TO F111+111=� Finance f har}Kti r( rhet Fads[)wily PtTituli:Rate is vale€ILItcd�n dividing.iIS a)rrer pouclitrg 'co. -artfersandnew(;:au3atAdvanczs3; intrttrll'crcenaµgeNatclrv:tt?:i. 1AcCalttlatcstlsaruclkrLarsce Sub�'xt. itsF•usonceC:hargcfor[1alance'1'r<rnsfemt°,1shtAd`;JtXe'% pMWEAL, '11YOURpA art#fix rich framtx fatal t)ff(a i atanec ctnsst�zing of lkilancer'Tmnsh rs or(ash Advamvsx '%?c will tallmxate y(xar paynW.n in the na:utiur w ttk r+n§ae.In trunrinstatxcs,sve will do this by(1)cakulauing a daily Wancc for ca:h day 31 this statctuent's billing cycle;!2) allo a e-,,�xar-avrsxmts no baluues 6mludng transactions,mate afar this>wtement)With to VCC cak,klatnrg a daily,halaanrc fier eaLh(Lay prior to this Wlis��=cb�le dot l>ui a l're ;APRs ltfmr,hafuxes with hit;her al'kts."F has will wsult in b alin x- wirh laiver afRs iKkh as (rtik kalamx"-j l''re C.yck ball ance is a Pailance'lran;ikr or Crash lcivanme with a trat1%,lC can Eh y4 baGatrccs with pr(xEltotitanat APK o>ffcrsj 1 tirg irakl before.nary talxrexisnt s;Ixtlarxrs. da s prior to than st last cots billing but wry a F a ckaae withal this sLateatxan htakrg PWnmd Cue Dates arxi KeephV Ys.Amount In Good MWWkQ cvrlf {a)acldi all tht flatly gall a es n x her atxl€4 i dlvxti ,the sum of the daily i ll ar.eK by Your payment Due hate will not fall on dw same clap each atoxith.In aster to help mairrain the niunber of c, in thi,starcanmt+h ing¢,cZa 1e. any re:axrtierrtal razes lice avoid the imposition of Drfuitr Kates cif applicable),t(l arzrid late fees To ulk,llate tlu daily 1?altrxr six t x h day in this atcrrxtlt lxllirrt��.z yCle,we take.t� -p � I,ve1 utrsing balance,add an urountrauol to the applscable 1}arty Peri(xtic Kate multiplied by t� and to avtoid foyerlittut fees sv e mast receive at last the Taal 4linitntun Pamunt Due by its pot xotas day s clstily Iztlatrcr,cell!rn�r Ftakuxo;Transfers.tx•cv C"�tsh Advarxx�:,aisd;old Pnavnlerzt lh�t3are earls hiltirgcs'cle and yfnr mfrs maintain y`<>ur an~cnmt�ts€tce kxrknv yoxtr ratt�,`U d on Fens,and subtract a licabk yments sand tmdits.Ratty daily balance is k�than (�rcdit Limit each(lay. pF Leta btie Important Information about Payments by Phone t€i tt it as zero. Fto calcalatc a daily balance fe r t ac h drip pnoor to this ctatenv_mrt'billing;cock that had a Pre- When.using;the optional flay-lad-Phone wm ice,you authorize Its to initiate an e:k+rrr(lnia; Cycle 1-tabirce,we take the N14n firth halance attribaraable solely to Pre-Cycle baalarues;whicta paynimt h om your accoaux at the lrrs racial tnstituticmt you designate.You must authorize the xrta be recta can t#le rzr s ion date cif the first pre-Cycle balance,add an amotutt ecaual to the 1—unt and tinzin of each lxtymcmt f your kin the will ask fear c xlrity infima>aritrn aPl livable Doi y t§rkxl:c 12 ate natzltippliezl by t ie prcv�raus day's daily h almce acrd add only the A fee may apply, a cancel,call tri before the, uk-d payment clate-Sanic-Aty paymolts apnixable 1 ar C:}a 1e baL ate and their relawd'Fran action l=ees.Wle exduck frtim this cannot IV vditccl or cancekA caLul ation all tranaacriom perted in previous Ixlling cvdz� Averaw Daily Balallw Method 4includin ix,•ry Nu%-has sk W'c<a*U to urparate lkatarices Fcrr die tyamplere reline and ctmcizti;ms of yolu acaatttat,ecaaarlr clout C dit Gard Sulyev'r w 1 inance Charge for I"urchases and r eat h Promos ortt l Offer balance consisting rat Agree r.ILA Card y traces is a tncktzarrtc of I LA Card Services ti.A'Phis acaatust is icstaerl lliirchascm W'e do this by.(1)calculating a ehily balance for each clay in the billing cy'de;(2) and administered by nA C:ard Scrvxxs,N.A. acktine all ttte daily toalaexes sargttl cr,:and{:o)dividing the wen of the daily bal nc s 1m the ntinslx�r of day's in the bil(i<ag cs•c1e. PAYME " W't credit payments as of the rate receiver{,if the pay�rtaera:is 1)received by 5 p.m. If your billing addres.or contact information has changed,or if your (Eastern Time?,Z)leceived at the address shown in the bottom left-hand carter of the front address is incorrect as it appears on this bill,please provide all of this sratcmcnt,3i paid with a chcck drawn its IT.S.dollar.fen a II&financial institution or corrections here. a IJ S.JoILr nttorey fader,and 4 sent in the citchised return envelope 4rith only the boittom portion of this statement accompanying it f'ay°ments received after:rpm.on any day Address I including the I'ayrn:lit Due Date,but roar oithenvise meet the above"Ilircment5 will be credited as of the next day.We will reject payments that are not drawn iva U.S.dollars and n &Y,c drawn fin a financial im itution located outside of the United States. Credit for any Address 2 other payments may he delayed tip to five days.No payment shall operate as an accord and srtiAktisn without the prior vyrittets apprtrval of the of our'senior Officers. City Z�re prcxe s rn(»r pamrent checks cleetronically by using the information found on pour check. 1 acll check authorizes its to crenate a our tnott electronic:funds transfer{tar pro cuss it as a check(sr paper draft). Funds may he withdrawn from your account as soon as the State Zip Same day we receive b stir payment. (°hevks are not returned to you. For more information or to stoop roe eltx trortk funds transfers,call us at the number lasted for the£rota. Area Ural if you have autharsxed us to pay your credit card bill automatically from your sayings or Monte I'llone the kznE;acc cunt with w,you can stop the payment to any amount you think is wr(mg.'lio Araa C,odc& st(ilr tyre l>avaucm ytisar letter must read/Ill at least thitx buslnc-ss d€ays before the automatic Work Phone IYAyment is k,hcduled to occur. Bankaf America PmPared for., AMANDA D HENNE July 2009 Statement AccnuntAEUm2asr 1635 Credit Line: $8,000.00 Cash or Credit Available.' Forinformahon on YourAccount Visit' www.barikofamerica.com Summary of Transactions Billing Cycle and Payment Information TD hears 1-800-4826-2556 mr d 1-8 0 � TDDi^eatir�-impaired i-800.34&-3i78 Previous Balance $9,385.59 Days in Billing Cycle ititallPalments to: Payments and Credits - $220.00 Closing Date 07120/09 BANK OF AMERICA Purchases and Adjustments + $0.00 P.U.BOX 150119 Periodic Rate Finance Charges + $'!95.67 Payment Due Date 08287.09 WILMINGTON.DE 19886-5019 Transaction Fee Finance Charges + $0,00 Current Payment Due $287.00 Mail t7lNng inguhnes to., Past Due Amount + $1,803.00 BANK OF AMERICA Now Balance Total $9,361.26 Total Minimum P.O.BOX 15026 Payment Due WILMINGTON,DE 19850-5028 Promotional Posting Transaction Reference Account Payments and Credits Offer ID Date Date Number Number Amount PAY BY PHONE PAYMENT 07111 220,00 C€i OUR RECORDS SHOW YOUR ACCOUNT IS PAST DUE Promertionaf CormApondingAnnu& APR Balance Subject to Category Transaction Types Dsty Periodic Rate Percentage Rate Type finance Charge Balance Transfers 0,062986%V 22.99% S $0.00 Cash Advances 0,06298656 V 22.99% S $0.00 Purchases 0.062986% V 22.99% S $9,413.94 Annual Percentage Rate for this Billing Period: 22.99% (Includes Periodic Rate Finance Charges and Transaction Fee Finance Charges that results in an APR which exceeds the Corresponding APR above.) APR Type Definitions:Daily Interest Rate Type:V=Variable Rate(Interest Rate may vary);APR Type:S=Standard APR(APR normally in effect) 16 009361260020900000022000000 1635 ❑ Cheek here for a charge of mailing address or Phone nurnbegz). Please provide all corrections on the reverse side. SANK OF AMERICA P.C. BOX 15019 WILMINGTON DE 19680_5019 7,,, , NTNUMBER.- �1635 m LANCE TOTAL:$9,361.26 NT DUE DATE. 08113/09 AMANDA D HENNE Efow 216 CONSTITUTIONAL CT MECHANICSBURG PA 17050-1827 $ Mad tMkz pay;rent coupon along Ndh a check or money ordarpays ta.BANK OF AMERICA 1» 5 240 2 2 2 501: 12 S 6 30EI L73163SO IMPORTANT INFORMATION ABOUT THJS ACCOWVT USE 211 Rev 04/08 CUSTOMER STATEMENT Of DISPUTED ITEM—Please uatl tall free 1.866.266.0212 Alonday-Thursday Sam-9pm(Eastern rime) Friday 8am-7pm(Eastern Time)once S<ttrcrztay Satn Gpm{T stern Tim} f c:r prf3rtzpt s<^raise please ba e the merchant reference t:umbe(c)ttvadible for the charge(s)in lueslion. � P1 ASE,Do NOT AI TER WORDING ON TI iIS FOR1f A�,D 00 NOT%I.AIL YOUR 1,ETTF.R OR FO%*vf WITH YOUR PAY MFNT. Clanaase only one disaure reunn. Y iar Name: _lcrnt=rt Nunzl ere T,m3cYion Da t: Prating LTatt Rct r ice Nunrher: . �. Aniou.at 3 ...,__. .,_ __...... LX puted Aa nouns S. __...... _ SleiAunr Name.__.. _ .-._..- _....... �_-�- �}t.Ttseat art X thrch e avers inn asni h xn S ca It to my curs ©S.I nc2nxxi tht me<clrnt,m 1 ; lilt f)IYY Yt m atrcd the toe atr4xmtxxl metier slip wzaddeimoxrcet ly.ElickiodL�acops,f ctes�tpTxz4loiw7tili ,taroiri ingcnatav#.Poe,isemile raidlawdatle.ax*eat 4roitirw act anda ®2fcasnhthatzhe tetchakxnivtrsaunabh3nstr prrnaatlxxmxItsr3tacs>uzata�ri€Kx :nn of,tortdoplx hill5&Avg&Wsar}nowi 4ransIEatim,iiiasRxtatt>xi;at rIcue4a as wMt6pxolcrxservxxcrgreseuredi Vthetrnnso,.lux ntxivtdhymenaareminaurizn 7ed1nEtat, [ 3.i have n <saYl the rxnha>v rF u.„c m l r<hipl+ct t,>ere cn_%t SL4SC)I FYt 1. �5.:1}Jxw a[e d r }x tts the thxc tr ns ictior l tuW'ym cr,Yl dw in�rhaM iio mli.I l�set ices to Ialceaskodtlumrrehanzuacratmga otim, rax3 Itot _ f t €4L SRll7rSYlxtreucrecenexlerwxre msatis Ytrxzlttad agent ®4.Ix*..s4suo daaWk slip dw was ix x.Boma(in rrvm3unwatAc(j_,y#mkcftlit4(piscztdc %I 1€xxil•r t# ern cx pnsuamstty tnrestlscwtit cttxn?u€taedaa of}tersxrrt rrtercfanthtc mtxa.(>ataysmaxciityasaraurxtnt. 1(llcrrtyrhat(t#nr€rxsernenvedetrarna lost.tirxtfiams€s}tclprn€Ietckt rtetenumlrtsrr�t ratters �i.!49ercfiarul�rhuscurhi;wcdmimeiusatr'sti�icznca rrnfrrckfex�iorlreturn�trt�n par=rtutyxnarlw�n�srare�+at.#'3e:+srattcrr�ta�+erat�e:>�rcc�rrtarsnh;arrati;m, �t —IkIN r' DA11.4 askcv tl>t ravel.,no mdit ray au`x r.Anal-Batty&%ribir'k �It.If ti nu disgtuc is low a di#` x;sasm,rkax cogract mar dw alrre dC011-numbs hrsw t ae mcrchaaxlise was raustgtzl a adi x d sec ne a nd a of rfae grtxaf a ravurr. AltlmI"m c.nt heal*vc mr.,wiion.Ihzvcn+immcJrhemniiamKnevi-lthttncieluniie Stnatu FSeclu:rest;; matte era i _ ! ;1L'4t.l)DN)',t atul rcyUOU-1 a c I rt!terlid,-”r aiie dis±.rcdittx rl sas �e concict ttlephont tarmc ztxs:1m a'set"^gdiriing wily,,wa:acaslwr h+c�ar�eiairhaa�ratt�rprcurfof renim. yzw are trnnable to train tile ardc air explain, Billing plebes are only,preserved by wriaen irrthra j.'ro fir serve your hillirg rights,pieace retut'n a ®'.f1t#Ih�ahat tledadlG�.GYCSiintiaAiSdt'Ctttk.' dc';xxL hta st'�SKdcd tt z irt}Stc2tc7Yf,?ri.G r'1'y .?�»form arL ton.0 porting;mtorrnaanu rratrr rhr tnehant z9ra_e in ynestuxttr ti�t€ . I did r�tt anthorw die waxad traimclion.SAIL#1 Refrrtc>Fe# Aatn;Ni37it�I hiaS PLC. x lxtl2b,Vttlmi tart UE L 85th5tl2G,ESA Saki#2S R:ienr..V# PIEASEK£F.A THE ORIGINAL FOR YOUR R£LORPS;#NT)S NDA COPY OFT!Its ST,ATT14NT. GRACE Pen= To calculate the daily Isrlointae for each day in this starwvnm�s hzitra¢¢*,axle we take the "C race 1'trixl"m arts the mixh of tine during a billing cycle when you will neat a0crut 1v�iantairtg Ixalatxx atld an aznouut actual to the appli 4k Daily I'crxxlic hate mukip)ied by the Periodic Rat e Ftraatur Our stn certain trar'-_c ons of Ixa anc es T ht is too Grace Perkxl for previrau+day s tinily halatacx,atkl stew I'ut+ uuex anew Acrcnztat Dees end new l'nns rt;cun Pets, ILahmmTransfer%andC:ash`Advances.If you .y in hall this elate ztarrne New Baakaincc`Total by and suhtractappiit�it�olxryatteutsanderttlitc If any daily liaLrtrte it k�s than xena uxt eat itas its pa}°icon I>ue[)ate atzcl if s nz p ziti iat full this s t nezat,Ptcw lasts 13alarru in obis sratezt rat xertr If the Pies i€zttx 13alat latzss n tm:his state r rzt was mid in full in this ssaterrx ttt'x Filling Itil utg eyck,these yrnr will hive a tiracr Drat d dtadng cl Iailli ig rvcle th at Iaen the cka after cycle,then ota rate dal abet that payttx rat in ftall el we exchrde Fnuzi the Ixs;nniatg balanrx nhts zaustac sat s C€astzR Irate ern the['ttrchase ptrrtit3ty€af this etzttstacrt v Ic ear I?Zlztxc total, txw I'urc bliss,rirtir rlctYwur fres neat ucr Tnntia xktn t s whit is peal ern tar Ixh>re that l�trrirrg a f)`% pmraxxiaanai Rate C7£tet:I)nrs.Periodir Ka€e E inarxx Clnatges ate rue cart payarxaar ire full clue,andv+a sky tux add to w I'wt bast s axw r axxtntFees car n wv'Iraansacti€an Ivi.axes vyith the(Nry Pr€xtatxitanat Irate;and 2)yon must ley the Taal t4irumauta I'avnk:tat r°ees whuh Ixast obis that paynneszr in Flagg dare. I)aa tsy itti facanrax ihat�I}ur,iat>Ei xtverisl my€xtlur Iananrsxtena ntnr€z{f eat zt'as cieiird in lXi:is iteanl delxc.attcrlLtricm 1?3 an c,rczeclu ist5ttr trxtt luatltau d ccnsr C;r lit C and Ay,rctrttoxatj to ar[ins sin tiv{}„i Prortx>ticarcaiRtei thro ngh tts in,alculating the bc°pnnin,balance for the li Bankof America Pra'wv gdfar., AMANDA D HENNE August 2009 Statement Account Aamter.- t 635 Credit Liner $8,000.00 Cash or Credit Avmk%b/e. M 4 Forinfdrmabon on YourAccount V;:sit: www.bankotamerica.com Summary of Transactions Billing Cycle and Payment Information Call toll-free Impaired 1-608 Previous Balance $9,361.26 Days in Billing Cycle 29 TDD hearing-impaired is to: red t=900-34d3R8t78 Payments and Credits - $204.00 Closing Date 08/18/09 AAa}IPayrneMERI: (SANK OF AMERICA Purchases and Adjustments + $0.00 .O.BOX 15019 Periodic Rate Finance Charges + $171.74 Payment Due Date 09114J09 F WILMINGTON,DE 19886-5019 Transaction Fee Finance Charges + $0= Current Payment Due $263.00 Mail HVingInguinasta., Past Due Amount + $1,886,00 CYANIC OF AMERICA New Balance Total $9,329.00 Total Minimum P.O.BOX 15026 Payment Due f'f WILMINGTON,DE 19850.5026 Promotional Posting Transaction Reference Account Payments and Credits Offer ID Date Date Number Number Amount BA ELECTRONIC PAYMENT OW13 204.00GR I MEN= 9 TO ALLOW YOU MORE TIME TO PAY YOUR BILL,WE HAVE EXTENDED YOUR PAYMENT DUE DATE-EFFECTIVE IMMEDIATELY,YOU NOW HAVE A MINIMUM OF 25 DAYS FROM YOUR STATEMENT CLOSING DATE TO SEND IN YOUR PAYMENT. OUR RECORDS SHOW YOUR ACCOUNT IS PAST DUE PronvAbriat CorrespondangAnnuaf APR Balance subject to Category Transaction Types Daily Periodic Rate Percentage Rate TYPO Finance Charge Balance Transfers 0.062986%V 22.99% S $0.00 Cash Advances 0.062986%V 22.99% S $0.00 Purchases 0.062986%V 22.9996 S $9,402.00 Annual Percentage Rate for this Billing Period: 22.99% (Includes Periodic Rate Finance Charges and Transaction Fee Finance Charges that results in an APR which exceeds the Corresponding APR above.) APR Type Definitions:Daily Interest Rate Type:V=Variable Rate(Interest Rate may vary);APR'Type:S=Standard APR(APR normally in effect) 16 009329000021490000020400000 1635 ❑ Check here for a change of malling address or phone nunnbeg4. Please provide all corrections on the reverse side. BANK OF AMERICA P.Q. BOX 15019 0 WILMINGTON, DE 19e66-5019 ACCOUNT NUMBER` 1635 NEW BALANCE TOTAL:$9,329.00 PAYMENTDUEDATE.• 09/14/09 AMANDA D HENNE 629 N MOUNT JOY ST ' ELIZABETHTOWN PA 17022-1346 tWart;n�sy;rant;^aupera,ot;��;Prra check or money orderrwyabe to.'BANK OF AMERICA 1: 5 240 2 2 2S01: 12 S 6 3 0 El L ? 3163Sus iMPORTANr INFORMATION ABOUT THIS ACCtliliYT U S E F 11 Rev.04/08 CUSTtlACLR$TATPA/ENT OF tiISPUTED iT SM—Pdease arlt to1L free 1 SbG.2E;d.(}2f9a�rr Thursthty Sam-fJp»:(Eastern Tirruj,tricfay Sam-7pm!Eastern lirrtej aerci Saturday 8crm-&(xm{F:astent 7}rnet.FYtar prcarrept se>rt:ice plrza,<r lrrxte the rrzr�rrhzrr#t rtrfer�n�e t:umtrer�si avrriltttrle/ar the charye(s�en ctu€et�<zu. 4 PLl ASE PO NOT A 7"FR WORT)ING ON t11IS FORM AND DO NOT YSAiI.YOUR t.EMER OR tt7tt.M WrM YOUR PAY11F,N T. Chrxne only one dk?' to ref on. Yom Name: Actium!sun ben Trailsim on Doe:, _-.------ ._ ._. _Pairing litre _..___. Rct rtnce Sambre:_ ... _. Die puied Avlotint S: _ ...._._. Q 1.Tl3Cntvx nooitlarcf vvasit asedtie iS __ ws sxmssties 9.Itx6f ithe1ca�^c xiton { rLthRA'Yt1minrxeltinepr-a lxmmlMi r 4iptsas -ltn.�rc�'Y:Frtck*sirs aasp3 €ftT?tf �,�„€prlttrslt»t*mc raxarxauat !z".e n- anc11}, I"trarec�, -d math 6�atlakic,erhA:w aczrm(if viurtmtraa rid a ®2.laYUfy that thc utgekm lat><ovx was tatxr�xkhtntuxapicut udiitudIn tile toowir.:r4nor Co�t,i4!Yi'arwkT4xxvIi 4nAviing aWeantltzme4carx lition.It ralt€akxcwx&,trcszfcxrcellat"9; Wm r6g(xAs tx servazes rTeK2tt*e4T by+e tn1r;, ta+wz rAx+md lv me(x a tin avthtvi iIn nr„ hav e not mr,vrclfin etimliaixlsstthattitasto tvAippex I tonralt_f t�\IAL137t5Y). 4.11dtoi ttrdca rctheifxtcuarisav tt^l7 ayexttttarrcdthetzetvita€ itxcxtdz T'a acxsiesn:he 1 11mie asked the merdianc t-)acxlit mY xa unt. Provided on I. ll:VD t Yl %V t"a,t r r ni oxwere ilit&&facu3n Atsach a letter 4.iw s�axztacratatclipirerseas xxsFrivvu nntysrtetttrt.nualw€�tztvsx�itslpistadascat ��sz a�cxlec�c�i+: strattcm}�src>rczd+�wdt pt turcuantarnlac et;rn.r�? I'm rxMianthasopr oVdastncmduyrur.xzcazre. !:?.Liven•that}coo not Mc rsverhettan+, 1on, marntrnnevtotheir 5.11fiardth setKsahinneciurmetusatrive.TwugaL'ixdcEt+tise.lrmrrnni,rst nuke rrrMfrustsnar.PS aseaurrtutezautcutthexrezuuk:rznkxnt . i_!;?viLl,2itkY`Y and as`tcc'±lthe strove -rt n,;tefit my acatunt..itralt arcmr d,rcrihirig I.i.of} t dispzttc is fora elk#Erxeax n::=.sa:,r Qass contact as as tit:elrcx tslcphrare numEcz hnv the nrrct art fast u•as dairu ed aw)a dekmvc and a or of if,-� of rerum. le6,A I thotigh I&A mgW i rt die atxrrrrinsimtttr•I have croXa Arh0rmfla^ntunxsl-litMTJlaaw"t Signature rrctu rd): [fate; axa i__..... t QMMT)tMi a€d rcyt:vswJ a r a.+rc l :thcr d0 ittx rLxkt this cmlit or a csas fie coliel s rile.none#: Itome#: to zurtzsMctrXS:Ani'Wer^�xphimj why pc+u a:rdi p taTig+is diatpr wm�h a cry ofthetrooFot rettim.It yxi are umbkto wit.rn6&uxn°haudise�pltaseesiwain. Rills tg rio:�are only,rrierv-d by wra ten iaxluiry.To preserve gtur billing rights.please mum a ='.Izriilrthattha argot t�dinu5asrtraz aeatuyl?ttrlsgshYedtcra tomysY zr t. tsfrcithrsksxmani ncsupp at zittniorutamrctrlutyyrhrttenhantcrarge iii yuacinnto: Ll tl ncK atitlur ze the velars!t ato ac xa Bak#1 S Rely ii Attu;Billing Inquires CO.Sux 15626,Wilinuagton,DE 19$50-1026,USA. S,�#2 S Mens r# P LEM F KkTP TI iE ORIG1NA1,FOR YOUR RECORDS AND SEND A CO FY CAF THIS STAT14fFNT. GRACE PERIOD To calculate the daily balance for each day its this q }e,we take the "shave Period"ax:an-the period of citric during a billing cycle when you will not accrue ic lta-m mukipplied by the Periodic It-ate hriatxv Cha on certain tran;vwzons or ba lances.T#tem is too t crux Ver}tx1£or previaiv�day s daily baltsxx,auk}nt w Prtttdta netv.Acreiunt ees anti rtew'[`rirtsutitin E°ees, Ikalance Transfer;and trash Advarc ..If yon pay in full this mtiamve,s New Mlance Total by and sulimact ap plc able ixavments teat!codify if any daih haltticc as k sz tia an zcrat wa t art it as its I'aynicut Pm Flaw anti if you paid in lull thus srawment's Previous,Balance in this saatement'a ecnrri if the Pretatavts llalttke shtnvit ten thu statement was Pais#in full in tills statetrxrtt billing bt}_ cs ck,sliest xi will hate a C race Petitxl durirL> the billia vvtle that�n the ckzy after OX the uatrnx t a C r ng i}atc on tltc Piet bast ptxtiorts of this ctatrtrx rat s I tw ElaiaitCt otaL exit/Pun!tails,rn u rlecaaunt Pecs arul ticsy Trans. atan whidt ixo c ont rzr! fare that I)urii ,a(.`la Pnmxxssor l Rate t7£it r ll ntrl'eeioclkc Rate£than thxtrges ace tx in ptymenr at full date,aradvt sky nix add row Mucha Es new tAc Zttttnt err ax v'Flaruwuctioon r aluxcx u the fT vo Per xxitxaaa Ram and 2)yetis must pay zhc.Ttixai 1Tfiumutm PaynVilt I yr bleb poor of that payment n ft,il dare Iyttc}ry iec'f'tymeat I7rx-I}ere(.till aaoirl attyotlrc r pnxtxxititt nrnrttft`t :nt"is<icned in We itcltxk the c:an'b ftrc fire cza tilt cots!ck}x car<zlittirtn yrl.an urenxlu cat atrarx�e l itnkutsttl your C:rtxiit C and A lmzttcnr to itaaitit tin silt(?'s Prrsttu7 >nai hare. tiro ngh us in calcubtng the beginnin Es al-o e for the fast day of the hill ng cycle ofte°r the b if.a rxx slxintLnR Anrizuzl Prrcxsita Rare in tit I iaasncc C h t« c Schealule txt the fronts billing cycle in which silch coasts are of this scawment cw_ntt an 1,a—`simboI.then with tot halarkX•s.I)the 0"Xt TOTAL PERIODIC RATE FM ANCR CHARGE COAWWA ON Pnxnoxk;ttat lbw still"Ore at thk oxl of tit lx.M bi cycle;aril 2)volt roust pay this Amtxl c It aw Futatxx Cwrgea:wcrue attd&v cwnpQtu€did ten a daily basis,"Io ckmovine stlwmllfs New P.a43ncc tonal by loaymcmt ih>z Clan nt avaxd I'encefsc 10vr Ittrance C bmgos the,Perioxiu:Rate Finanu C:hal�-Il tie n tthitly cx h Ykalancz Subjtxx to I'niancv Charge by its air,r the t+nl t,k c t7`%,pr(nnotiunal asst/Offer rnt tht_ot balano'a cxistt<ig tort of t}m C sing a zpCxa�Daily eruxsic t to anc(That re,A 6y the nuntlxr ot'days to die billing c'y,ic,In Date of this s=rncrne, crwrinine the tonsil lloiodzc!tare Finance(hit"—for the billing cvck we add the Pcrio dkr Ram CALCUI ATWN OF OALANM ACT TO FE,Ii1lr CK CHARGE Finance Charges tol ether,Fkhl Ilaily,Patkcxia:£Laws is ca}colatod by dividing its comsglovding ,—erage lkil—w e.Method inchxling new Whi:w Tiamfets and new Cash Advatxrs): Annual locrcetage Rate by ei5. we calculate sgxuate hilanco Subp)kxt srs F nance Charge frm flalance'rhmsfers,Cash Ad ailcm "C#WwEALL0CAnyoURpAypAEwM and fin each I'raitixtt trial(3ffax tvatarxr until sing of!kolas kx Transfers;rt t a la Advan xs ti€'c S'& will 111loc�te yoar to{yntzsaua its die ut,an€u r wt:ck tentaitu_In unfit instamt-,we will do this by(1)eakv}ating a daily Mance fox each day as this statetmit`s billing cycle,i2) alWate •tout .vtucaits Tx,lvl ro--(incladirgtransact:ions this swwment)with lower c alcularing a at balame fix each chat/prior it,this srttcM ate halluz rcycle that had a"Fire AI'lt }x£ttrr 6,luxc s with hi€:Jxr APRs.Tats will n stsh in txdan t with lout.:LPRs 6401 as Cock halancr"-a fire-(.vek balsa t.isa Ikalance Tnasz.fcr or t ash,A,voce with a trsuiwction new talam-,vvith promotional APR offers!1.>ing tyaid}arts rc any rnhcxeaista }ztlatxzs. daa prior to thn sties rvcrtt's billing cycle lxri with a 1x)A rlg date wtinti this stein gat lolling Payment Ow Dates and K"pift tea,Aammit In Good t"tic is t."3}atidxt(.,tl}the cLai}y l>atLa xa:n t her and#4i dividing the sum of the daily laalances by Your Paynxau l7uc I)atr w'th not£till to z}ae same day each tixxxh.In toter to help maintain rite na:rnbcr tot slays in rh€s sratr nt billing cIVIc, ant/ x€nxauo€ial tares,to avoid the ten asttxxa of Default Ratty(kf applicable),tv avoid late€ecs 1iz c t}cakatc tile daily I,abate tcor t�xh clay in this swteffy.ni§brlluiu cyc}e,we take,the beginning,bales ce,add an annaunt c+�tta1 u3 the,appli<°able Dally loin x�ic Rate tnnitiplied by the ana tyro avoid ovedimi tom,vl�r in wit recee`ive at least Ttxa1 X1in'im Payment Due by in irevtraus ci t}s cl arly} al snit;atiel new Pralatnc Tnntsters new CMtsh 3drasta s;atxi strtd 1 ivinent Due Date each killing cycle and yoi;must maintain your accimlit balance;bt ltnv your ruaku kxt I cES tilt}subtract apphcable payments and credim If any tit balatice is k�than t^tedit Limit each(W. zrro we tear it as ztati. Important Information about Payments by Phone fin calculate a daily}al.anoc for cacti clay prior to this sat meritN-billing cvck,that had a Fart:- Wim using die optional Nii-try-Phout wrvi(x,you authorim its eta initiate an electronic C sole lxilaz ce,we take the b~W- iidfig.hal ticx attrktAitabk soicly to Pre-.`Y&lxalauces vvhi h paymen satin your account at the financial insttution you de.signare.You mast audimize the is 11-zero on the nanvCdo n date of the first Pre Cy;•k babmv),add au amount eauat to the arixiunt and tinting of each payment.For your°znstection,we will ask fctr sect its infomiaticiti. apps c blc Iyaitr Pecitxfac Rate muhk,Cx d by Per pn virus cka} daily halan e anef ac i only the A fir may apply.Tit t anal,call sus buhatt die u x 3u}ed pay rxxtt slate.S lane clay payments a finticable lh-(:}vi;le bala latices,and t eit relate-vl Trat xtion Fier,.tt:exclude tarn this simnel he eti:ixxl or canceled. akttlation al's transactions;pcvaed in previtxts billing;Cycles, Average Daily 1lalaoce Method(including txNv Na chases:%Xe,�akulaw swpsarate Fkafamxa For thy:a)mpkxe term artd conjitnms of s'+x r aco astir ct ttsualt}t?rte t;rsclit t and Subject to t aaat Chaxp for fury}�and tzar each Promotional Offer laalance consisting of Agreement.FLA Card services is a tcadertme of FLA C�Servi;es,&..A-�Ihis xmt is issued hurchism Laic do this ht/:(1)calculating a daily t.a lance for each day oft t}te hillrng cycle;i2) and achninkstcvcxl by I1A Card Sery icx',N.A. adding all the daily balances ttiy il-wr mid 0: dividing the subs of the daily balat ces'to the it tutttzcr of clays iii du--biding cy le. PAYMENTS . We credit payments as of the date received,if the paynxrx is 1)received by a p.m. If your billing address or contact information has champed,or if your (F�swm Time),2)received at the address shown in the boottom left-hand comer of the cant address Is incorrect as it appears on this bill,please provide all of-his staua rtxnr.3)paid with.a check drawn in I,1.4_dollars on a U.S.financial irri itutiott or corrections here. a U.S.dollar tnoncv order,and 4 sent in the enclo,ed re um envelope with only the Ni€totn portion of this statement accompanying it. I'avincnts received after i p.m.on any day d ddress 1 including the Itayinent Duc Date,but that othcrwiV reset the above r u,remr n csill be credited as of the nevi day.We will rej"-t payments that are not drawn in U.S.dollars and v d,or,c drawn on a hnancistl institution located outside of the United States. Credit for any Addma s 2 � other payments may be dtlaved up to five days.No payment shall operate as an accord and � satisfaction without the prior written apprcoval of ten:of our Senior Officers. City. 0 1Y�e prcvx-is most payment checks do--tronicallr by tising the information found ion%,our , check. I ach c}tck aunc�tr xis tts in create a tni dine e}cx rentfc fonds tttnsr(ear prttcs it as a check or paper drafti. Funds may he withdrawn from yoiir account as won as the stare Zip name day vve receive your payment Checks are ruir returned to you. For more information or to scup the chvironic funds transfers,,cal}us at the number listed on the front. Area Cmie Sc If you have authorirxd its to pay your credit card bill automatically from your savings or Holm I%me checking account with us you can step the payment on any amount you think is wrong."lii Arca Cale stool tilt:payrttcut wnlr letter must rcitch ua at feast three business d.ays before the:aauotttatic Work Phone payment is heduled to occur; IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE, LLC Plaintiff CIVIL ACTION-LAW V. NO: 12-6862 CIVIL . MOTION TO DISMISS Z �C" AMANDA D. HENNE Q+ Defendant - Filed on Behalf of Defendant: AMANDA D. HENNE Counsel of Record: Robert D. Klingensmith, Esquire PA I.D. #313960 HAROLD SHEPLEY &ASSOCIATES, LLC 209 West Patriot Street Somerset, PA 15501 (814) 444-0500 (814)444-0600 (fax) rhngensmith Ca)shepleylaw.com IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE, LLC Plaintiff CIVIL ACTION-LAW V. NO: 12-6862 CIVIL AMANDA D. HENNE Defendant DEFENDANT'S MOTION TO DISMISS PLAINTIFF'S COMPLAINT WITH PREJUDICE FOR FAILURETO FILE AN AMENDED COMPLAINT AND NOW COMES the Defendant, Amanda D. Henne, by and through her attorney, Robert D. Klingensmith, Esquire, and makes this Defendant's Motion to Dismiss Plaintiff's Complaint with Prejudice for Failure to File an Amended Complaint: 1. On November 13, 2013, the Court issued an Order sustaining Defendant's Preliminary Objection, and granting Plaintiff twenty(20) days to Amend its Complaint, see Defendant's Exhibit"A." 2. Judge Christylee L. Peck has ruled on the Preliminary Objections in this case. 3. As of December 4, 2013, Plaintiff has failed to file an Amended Complaint in the above captioned complaint as directed by the Court. 4. Defendant requests that Plaintiff's complaint be dismissed with prejudice for Plaintiff's failure to file an amended complaint. WHEREFORE, Defendant respectfully requests that this Honorable Court grant the Defendant's Motion to Dismiss Plaintiff's Complaint with Prejudice for Failure to File an Amended Complaint. Respectfully submitted, o U Robert D. Klingensmith, Esquire Attorney for the Defendant Harold Shepley and Associates, LLC 209 West Patriot Street Somerset, PA 15501 (814)444-0500 (814) 444-0600 (fax) rklingensi-nith@shepleylaw.com ASSET ACCEPTANCE, LLC, : IN THE COURT OF COMMON PLEAS OF Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA V. : CIVIL ACTION - LAW AMANDA D. HENNE, Defendant NO: 12-6862 CIVIL IN RE: PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT BEFORE HESS,P.J.,MASLAND AND PECK.,JJ. ORDER OF COURT AND NOW, this 13th day of November, 2013, upon consideration of the preliminary objections' of Defendant Amanda D. Henne to the complaint of Plaintiff Asset Acceptance, LLC, the briefs filed by the parties, and following oral argument on November 8, 2013, IT IS HEREBY ORDERED AND DIRECTED that: (1) Defendant's preliminary objection pursuant to Pa.R.C.P 1019(a) and Pa.R.C.P 1019(f) (relating to the failure of Plaintiff to attach any statements from the alleged credit card account of Defendant) is SUSTAINED(See Atlantic Credit and Finance, Inc. v. Giuliana, 829 A.2d 340 (Pa. Super. 2003) and Capital One Bank(USA)N.A. v. Clevenstine, 7 Pa. D & C 5h 153 (Centre County 2009)); (2) Defendant's preliminary objection pursuant to Pa.R.C.P. 1019(i) and Pa.R.C.P. 1028(a)(2) is OVERRULED; and, (3) Defendant's preliminary objection pursuant to Pa.R.C.P. 1024 (relating to verification which failed to state why the verification was not made by a party) is SUSTAINED. i`7 r.n c l - �-- rn CC.* _ ' Prelim.Qbjs, to PL's Compt.,Dec. 17,2011 :z s Compt.,Nov. 30,2012. EXHIBIT A This Court grants Plaintiff leave to file a legally sufficient amended Complaint within twenty (20) days of the date of this Order. BY THE COURT, Christylee L. Peck, J. Michael B. Valk, Esq., Fulton Friedman & Gullace, LLP. 6 Kacey Court, Suite 203 Mechanicsburg, PA 17055 Attorney for Plaintiff Jame incent Natale, Esq., 2 West Patriot St. Somerset, PA 15501 Attorney for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE, LLC Plaintiff CIVIL ACTION-LAW V. NO: 12-6862 CIVIL AMANDA D. HENNE Defendant CERTIFICATE OF SERVICE I served this Motion to Dismiss by U.S. Mail, postage prepaid, at 6 Kacey Court, Suite 203, Mechanicsburg, PA 17055 on Michael B. Volk, Esquire, of Fulton, Friedman& Gullace, LLP., the Attorney for the Plaintiff, Asset Acceptance, LLC on December 4, 2013. I declare under penalty of perjury that this information is true. Date: December 4, 2013 \ h Server's Signature Gretchen Giles—Legal Assistant Printed Name and Title Harold Shepley &Associates, LLC 209 West Patriot St. Somerset, PA 15501 Server's Address r IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE, LLC Plaintiff CIVIL ACTION-LAW v. NO: 12-6862 CIVIL • PRAECIPE TO ENTER APPEARANCE AMANDA D. HENNE Defendant • c Filed on Behalf of Defendant: rrnn o c AMANDA D. HENNE -< p cD Counsel of Record: CD s, Robert D. Klingensmith, Esquire x,c PA I.D. #313960 --f Cti •,< c HAROLD SHEPLEY &ASSOCIATES, LLC 209 West Patriot Street Somerset, PA 15501 (814)444-0500 (814) 444-0600 (fax) rklingensmith@shepleylaw.com 4 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE, LLC Plaintiff CIVIL ACTION-LAW v. NO: 12-6862 CIVIL • AMANDA D. HENNE • Defendant • PRAECIPE TO ENTER APPEARANCE TO THE PROTHONOTARY: Kindly enter the appearance of ROBERT D. KLINGENSMITH, ESQUIRE and the law firm of HAROLD SHEPLEY &ASSOCIATES, LLC, on behalf of the Defendant, AMANDA D. HENNE, in the above captioned matter. i /t7/gdi.3 Date Robert D. Klingensmith, Esquire Attorney for the Defendant Harold Shepley and Associates, LLC 209 West Patriot Street Somerset, PA 15501 (814)444-0500 (814)444-0600 (fax) rklingensmith @ shepleylaw.com IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE, LLC Plaintiff CIVIL ACTION-LAW v. NO: 12-6862 CIVIL • PRELIMINARY OBJECTIONS AMANDA D. HENNE Defendant Z' rrt• qtr IN) c cp Filed on Behalf of Defendant: z c3 c)c; ) AMANDA D. HENNE 5 •• Counsel of Record: Robert D. Klingensmith, Esquire PA I.D. #313960 HAROLD SHEPLEY &ASSOCIATES, LLC 209 West Patriot Street Somerset, PA 15501 (814) 444-0500 (814)444-0600 (fax) rklingensmith@shepleylaw.com IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE, LLC Plaintiff CIVIL ACTION-LAW v. NO: 12-6862 CIVIL • AMANDA D. HENNE Defendant DEFENDANT'S PRELIMINARY OBJECTIONS PURSUANT TO PA.R.C.P. 1028 AND NOW, comes the Defendant, Amanda D. Henne,by and through her attorney, Robert D. Klingensmith, Esquire of Harold Shepley& Associates, LLC, and files the following Preliminary Objections to Plaintiff's Amended Complaint: 1. Plaintiff filed an Amended Complaint in Civil Action against Defendant demanding damages in the amount of$7,696.29. 2. Plaintiff's Amended Complaint fails to conform with the Honorable Judge Peck's Court Order dated November 13, 2013. 3. Plaintiff's Amended Complaint was not filed within the time Plaintiff was Ordered to do so. 4. Plaintiff's Amended Complaint fails to conform to law or rule of court under Pa. R.C.P. 1028(a)(2). 5. Plaintiff's Complaint contains insufficient specificity in its pleading under Pa.R.C.P. 1028(a)(3). Count I Pa.R.C.P. 1028(a)(2) 6. Pa.R.C.P. 1024(c) requires that all pleadings setting forth allegations be verified by the pleading party. 7. In the instant case the verification attached to the complaint was signed by the managing Attorney for the Plaintiff. 8. In general, an attorney verification will be insufficient unless the parties lack sufficient knowledge or information or are outside the jurisdiction of the court and the verification cannot be obtained in time allowed for filing. 9. The verification signed in this case states that the verification was signed by the Attorney acting for the party because they had permission to do so. 10. There has been no indication in the verification that the parties lack sufficient knowledge of the matter, in fact all of the information came from the party in this case. 11. Furthermore, although Plaintiff is outside the jurisdiction of this court, there is no indication that the party to this lawsuit could not sign the verification in time to file the pleading. In fact, Defendant was never contacted to extend the time needed to file the Complaint. If such time was needed, the Defendant would have been happy to extend such time to Plaintiff. 12. The Court Order from November 13, 2013 makes it specifically clear that Plaintiff was to provide a verification made by the party. 13. Therefore,Plaintiff's Complaint fails to conform to law or rule of court under Pa.R.C.P. 1028(a)(2). WHEREFORE, Defendant respectfully requests that the Court dismiss this case with prejudice for failure to comply with Court Order and Rules of Court. Count II Pa.R.C.P. 1028(a)(3) 14. Pa.R.C.P. 1019 (a)requires that the material facts on which a cause of action or defense is based shall be stated in a concise and summary form. 15. Pa. R.C.P. 1019(f)requires that averments of time, place and items of special damages shall be specifically stated. 16. Plaintiff in this matter claims that the Defendant opened and used a credit account issued by Plaintiff. 17. Plaintiff has only attached to their Amended Complaint a few months worth of statements from 2009. 18. The earliest statement attached to the Amended Complaint shows a previous balance of over$9,000.00 which is more than the amount sought in the Complaint. 19. The Amended Complaint.has failed to plead the various transactions and purchases which resulted in the alleged debt due. 20. Pursuant to Pa.R.C.P. 1019(f)Plaintiff has failed to provide information of the time and places any items were allegedly bought on the credit card. 21. By failing to include documentation of what items were purchased, when those items were bought and the amount of each purchase, Defendant is unable to ascertain the validity of the amount owed on the account. 22. Plaintiff has failed to provide a statement showing a zero balance. 23. Plaintiff has also failed to provide documentation of any cash advances made by Plaintiff. 24. Plaintiff has failed to provide a concise summary of the payments made by the Defendant on the alleged account as well as the date of last payment. 25. As a result,Plaintiff's Complaint contains insufficient specificity as required under Pa. R.C.P 1028(3). WHEREFORE, Defendant respectfully requests that the Court dismiss this case with prejudice for failure to comply with Court Order and Rules of Court. Respectfully submitted, Robert D. Klingensmith, Esquire PA I.D.#313960 Harold Shepley & Associates, LLC 209 West Patriot Street Somerset, PA 15501 Attorney for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE, LLC Plaintiff CIVIL ACTION-LAW v. • NO: 12-6862 CIVIL • AMANDA D. HENNE Defendant •• CERTIFICATE OF SERVICE I served this Petition to Enter Appearance, Preliminary Objections and Brief in Support of Preliminary Objections by U.S. Mail, postage prepaid, at 6 Kacey Court, Suite 203, Mechanicsburg, PA 17055 on Michael B. Volk,Esquire, of Fulton, Friedman, & Gullace, LLP, the Attorney for the Plaintiff, Asset Acceptance, LLC on December 17, 2013. I declare under penalty of perjury that this information is true. Date: December 17, 2013 koa , Server's Signature Gretchen Giles —Legal Assistant Printed Name and Title Harold Shepley &Associates, LLC 209 West Patriot St. Somerset,PA 15501 Server's Address IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE, LLC • Plaintiff CIVIL ACTION-LAW v. NO: 12-6862 CIVIL AMANDA D. HENNE Defendant Order of Court On this day of , 2013, upon consideration of defendant's preliminary objections, it is hereby ORDERED that plaintiff's amended complaint is stricken and the above captioned case is DISMISSED with prejudice for failure to comply with this Court's November 13, 2013 Order as well as Rules of Court. BY THE COURT J. ASSET ACCEPTANCE, LLC, : IN THE COURT OF COMMON PLEAS OF Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA v. : CIVIL ACTION - LAW AMANDA D. HENNE, • Defendant : NO: 12-6862 CIVIL IN RE: DEFENDANT'S MOTION TO DISMISS PLAINTIFF'S COMPLAINT WITH PREJUDICE FORFAILURE TO FILE AN AMENDED COMPLAINT ORDER OF COURT AND NOW, this 8th day of January, 2014, upon consideration of Defendant's Motion to Dismiss Plaintiff's Complaint with Prejudice for Failure To File an Amended Complaint, a Rule is hereby issued upon Plaintiff to show cause why the relief requested should not be granted. RULE RETURNABLE within 20 days of service. BY THE COURT, Christylet . Peck, J. Michael B. Volk, Esq., Fulton Friedman & Gullace, LLP. 6 Kacey Court, Suite 203 Mechanicsburg, PA 17055 Attorney for Plaintiff Xtobert D. Klingensmith, Esq. r - _ 209 West Patriot St. Somerset, PA 15501 -- c Attorney for Defendant r� , :re _ .,, s 11.CL4 i/ flY IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ASSET ACCEPTANCE, LLC, Plaintiff CIVIL ACTION -LAW v. No. 2012-6862 CIVIL f'^) > AMANDA D HENNE, ,�� ,- c1 : � Defendant(s) .-,( 'te ? c-;'--_ JOINT PRAECIPE TO SETTLE,DISCONTINUE & END G _• 7:- , TO THE PROTHONOTARY: Please mark the above captioned action as settled, discontinued and ended. Respectfully S • • :, (fi je(itt 0(.. 4.,,, By: By: Michael B Volk#88553 Robert D. Klingensmith Fulton Friedman & Gullace, LLP Harold Shepley&Associates, LLC 6 Kacey Ct., Ste 203 209 W Patriot St Mechanicsburg, PA 17055 Somerset, PA 15501 (717)610-3117 (814)444-0500 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA, CIVIL DIVISION ASSET ACCEPTANCE,LLC, No. 12-6862 CIVIL Plaintiff vs. AMANDA HENNE, Defendant CERTIFICATE OF SERVICE TO THE PROTHONOTARY: I hereby certify that a copy of the Joint Praecipe to Settle, Discontinue and End was served this date by depositing same in the Post Office, first class mail, postage paid, addressed as follows: Robert Klingensmith,Esquire 209 W Patriot St Somerset, PA 15501 Respectfully Date: February 21, 2014 By: _ Michael B Volk,Esquire#88553 Fulton, Friedman & Gullace, LLP 6 Kacey Ct., Ste 203 Mechanicsburg, PA 17055