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HomeMy WebLinkAbout12-7008_ z , *, r, ~ G{i o~3 ~ nn ^A' ~ v 1 f i~11~ ~i~~+t ~ ~ ~: V ~~' ~i 4- ~~~~'~•)~i`1 1. ^i &1'eJ 1.,C~J1~ i ~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION RCS RECOVERY SERVICES, LLC Plaintiff No. ~ ~ - ~ ~ g ~ W ~ l vs. COMPLAINT IN CIVIL ACTION SAMUEL C GOLD JR Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan, Esquire PA. I.D.#47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 WWR#09818235 ~r,~~ Io3.~S~d~ ~(# t oBaaoN3 tZU ab'$ai(n IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION RCS RECOVERY SERVICES, LLC Plaintiff vs. Civil Action No. SAMUEL C GOLD JR Defendant COMPLAINT IN CIVIL ACTION AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP CUMBERLAND COUNTY LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff is a corporation with offices at 1499 W. Palmetto Park Road 140, Boca Raton, FL 33486 2. Defendant is an adult individual residing at 2001 Rupley Road, APT 104, Camp Hill, PA 17011. 3. On or about Apri129, 2005, Defendant applied for and was granted a revolving line of credit by Plaintiff; which Credit was duly executed and delivered by Defendant in favor of Wells Fargo Bank, N.A. A true and correct copy of the Line of Credit Application and Agreement, the terms and conditions of which were agreed upon by the parties, is attached hereto, marked as Exhibit "1 ", and made a part hereof. 4. Wells Fargo Bank, N.A., subsequently assigned its right, title and interest in said revolving line of credit Contract and Security Agreement to Plaintiff. 5. Defendant made use of such credit granted by Plaintiff and has currently a balance due and owing to Plaintiff, as of October 25, 2012, in the amount of $55,369.75. 6. Defendant defaulted under the terms of the parties' agreement by failing to make the required payments to Plaintiff when due. 7. By the terms of the parties' agreement, more specifically the "acceleration clause" therein, Defendant's default made the entire balance of the loan immediately due and payable to Plaintiff. Plaintiff avers that the written Agreement between the parties provides that Plaintiff is entitled to the addition of finance charges at a variable rate. 9. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused. to pay to Plaintiff. WHEREFORE, Plaintiff demands Judgment in its favor and against Defendant, Samuel C. Gold, Jr., individually in the amount of $55,369.75, with post judgment interest at the rate of 6.0%, plus costs. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. WELTMAN, WEINBERG & REIS, CO., L.P.A. w,~ William T. Mol PA. I.D.#47437 WELTMAN, WEINBB~2G & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#:09818235 wells Fsrga Bank, N.A. DA'I'>I OF AGRfJI'M1CtWf: 04129! 2005 ACCOUPIT a: p660-650-7843334-tge8 It1~F)cll~iC'B N: 200l307674005f3s f '" Egt~Lint with FlexAbiHty (SM) Agreement ~ l and Disclost#re Stfttement (the "Agreement"} t7wver Nttete: SAMUEL C GOLD 3gt~GH1 EFT~ANai,N 800t3Se0R0. MD 21713 11Railisg Adh+en fsr ~E puposes (it diRcretst) Credit l,iae Lietit: S 4$ , 000.00 N1A SECTION 1: MY ACCOUNT AGREEMENT In this Agreetrtcnt, the watlds, "r', "mc" and "nty" (which also mptns'~t~e", "us", arxi •bur". it mpt+a Wan ate custama sighs bttlow) refer to each pcnon who signs thin A~'centatt. Z'tte ,tads 'fat," "your." "Lendor". and "the Bank" refer to Wells FarUo Bang N. A. Fach person wtq signs tltiy A~eeruent ie jointly and iodivi~tatty (solidatilvj bawd by its terms sal wilt be directly liable to the Bank ibr the cntin a<ttouae owed op the AccourR, and each is liable tts the principal and not tnerety as a guaraMOr, even if only one oC tta uses the Atx~atnt. 5ECTlON Z: SECURITY INTEItl~iT C] I ~ giving Qte Bank a Deed aF TnW, Mort~e ar other Socurity Irtstrtrmertt (the "Scatrity inm~arta~t"), dated the same date as chit Agreerraent on mY vroperty. 'Ihe propcnr :s locates at the address sho~m above (tlte "Property°). ~T7tis A,grearneat is iatmded to evidence an "E.~ctension of Caedir" as that term i! definedby Section 50(ax6), Article XYI of the Taxes Co:tstitudoa stxattd by a Decd of Trust (the "~rity Imo") dated the stuns dote of this Agroernsna caveriarg my homestead The property is located u tht address shown abtrve (the "Properry'~. SEt~ flQl~i 1: MY BQU1TYLiNE WTI'l:I FLEX,i-BILITY (the "Account") My AoCOStm is a revotvittg aawunt and will have born a Draw Period attd RepaytneM Frrt+od (dtxcnbed bebw). My creWt Hrait is slwwn above and will be displayed on oath of my billing aretds~aats, taueinaa the Draw Period, as 1 uec mY accaard, rnY available cradle wlp be my credit limit tttittais the sum of all aatpsid Advar>crn and other foes sad e~8a P~ to my Agcaunt As i repsY ~ pnacipal balance I owe oa my Account, my available credit wilt be repla-ist~ecL I agroo awl to ~agttest as Advance Hurt would twee my bafa~e to exceed my erodit limit. !f ~t any time the b»latrx o[ my Accaun tUCCCCds my cvalit limit, l ague to bs responpble for immediate repayment of the arnatmt that e:coeeda my cr+esit limit. P,Qr03A (Ot~'2004) EXHIBIT ~~ ~ n 0 3 Mar ~ 0 2~s ~ p 7 04/2712t703 10:18 AM sBCTION ~: MY ACCOUNT laUR1NG r~r>c DRAW PLRlUD At~a~ Period of t o years >~ me date of thin ~, A~entertt which I ma advances Period. l rogttset that the Bank ret-cw uhe Draw 1~i for anadd~t,ottal 14 yarn. Thc hank may. at iu option. extend the Draw P+enod of my Account for am addirional 10 yam. In ~ event I ~ ~ request a rettewat, my ability to obtain advances will stop at the end of the draw period If my ACaount is Closed during the Draw Period av the Draw Period ends, the unpaid balance on the Line ~ Gnodit v-ill convert to a Fixed Race Adva:toe(s) as detai~d in MY ACCOUNT DURING Tllt RE?AYIrlENT IiERiOD. are Z tYPa Of advanoe otatltods ~ my AcCOant: • Lint of Gt+edit Advances • FixxR+d Rstc Advacrco(s) Advaaoes requested by ttte, if my Account is not closed or suspended, cl,all be cat4ide~ed abligaeory as load as t am in compliance with all totms of this AgreeQ,ent The Back may, at ~ d;~, withhold a pmtton of tlw avm'iebk CrGtht On ntv ACCOUfI[ tlp to il+e amount Of'arry payment due in ntder Io assure that my Check or outer parymr~t u>StrYttleW.13 honored. tale my . t~ottr a d~edit wilt be credit limit rauntc the siuM of all tmpaid advances. As I repay the batanoc I owe on my Aerouttt, my available ct+edrt will ba trpleuishod. I a~oe not to regnest an advanoe~ woald CauaC roy ag~ge~ balance to exexd my credit limit. If I do e,ccoed my erodit limit, I agree to be rsspomibte for ierunedta6e tepaynoutt of the amount that excxeds my Credit limn. t will not matte an advance for which there is Wert St$reiCnt available credit in qty account, or which would violate any l~• ~ idvarkr I mq+~ wit! be in the 2unount of Q f3Q0 or #1# 5.000 or ~~earer (l'exas hon,eatpd Property o~y) 1 wxicrstartd that tea Bsdt Wray refuse to pad any advancer if the advance does not oorn!-1y wife every t~pgttirarnetM of this Ag[~eemertt. The Hank may ehooao al its sale discraiidt to tttsice a advance that dots not comply. The Bank may pay any advances in any segnena oonvanigtt to the dank. 'The Badt is autearixcd to make en advance from my Acpotua wheat it receives a request given by artl• penpon who has this Agroeorcot If there are aontliaing ckmaadc made by eery of os wt~o t~gaod leis Agreemstt, the Banlt ilea tl~e opelon to i+efuse to make any advattx tlrct has rra been ,rquested by all af,s tog~etlrer. The Badt win not be liable for any toss. expense, es cast arisiutg out of arty telephorta rpttcst, incladirtg arty frauddent or unautttoriaed c rcQuest, when the Bank acts upon such inseinctiona beliCVing them to ba getmine. Lme d Ceetlit Advatioe Metroda While my Acxaunt is not in default. cbsed, or stcspettdod,l tray borrow ntaney Utraugh my Accow,t. ~,: x Roquatiog ao advance sn person at arty Bank bt:n,d,, x R~Oquecdng ao advance by pttooe, x wt~iog a spacial dtedc or draft which the Banlt ~fiaa wovided to me, Ia other wags the Bade attthhoriaGa firom time to time, x Obtaittittg a sub withdeaa-al or tranafcrring foods by using my welts Fargo A tM Card or wefts Fargo ATM A Cheek Card, if ot?krcd by the $an(t and I ssket sudt service, ~x 1?quityTane Platinum (:std (Available only upon )• aa~2~izoo5 ,o;,s nti, , Liue d Ctsik Advattrce(a) Flaaux Ciia.rge The t.it+c of Crod+t ittterCSt ra~c it ded goo an Index (to which a or spud ~ shown babes is added) and may [m each mpMly biliiag ~. During the draw PeriodtAAiClt CHnR,Gts to atxrve on anaourtts advattcad on the due each adualttx is attade: I will be tdta~rod a F>riANCE ~E on the tmgaid balantx of my Lint a[ Creadit at the end o1' each day st a variable Daily Periadyc Rate. • Tht variable Daily Periodic FINANCE LARGE Rate is equal to I/36S (1/346, daring leap v~rs) of an enterer rate of 1 .900 "~, (the "tttargin" or "spread") pins ilte "Index Rate". + Tht ittdcu Rate is the Wall Stmt Journal Prieto Rata (Waxlern F.ditian) of published in the "Monty Ruew" $Cetion. Wtattt a range o[ rates is punished, the lrtdex is the highest cafe. The variable Daily Perladit FINANCE Cl3ARG)e Rate may i nGnCase from t;dUing cycle co billing rycle if the Index Rate inCteasES. The i>titial variable ?eriodx F71'iAIfCB CRAttt(„E Rpte is , a2a~69 sb This corresponds to art initial ANNUAL Pt >eNYAGir: AA'X'E o[ 7.850 9:.. This rate is sabjtcl !fl a++y tnittitawtrt rate or rna~naarm afro dir~closead in this dDoc~t luytrent. ~ttsted on the brat ~ Cy n ie~odic FINANCE ~ laa~t busi~ictxs der of tk~ prime month I undeastard that ~Y 6 ~ .using the htdex Rate any intaEase mM' cause mt: to trutce larger monthly payments. ~ if this box is Gbec]tad, the varidblC Daily Periodic FINANCE CBARGd Rtrte as tuy Lick of t„ tndiit wilt be adjuftcd on the 13rst day of every bitliscg CyGe, using the htdelt hale published oa fht last doy of my prior cyclt. I understand that env increase cnAy Caar6C ttte to moire largo rnortlhly payments. p llChia box is c)teadted, the variable nasty Periodic FII+iAxCL CBAAGIG Rstc on >m' Line of Cralit will be adjusted the day of an [oQpc Rate change as published in the Wall Strctt learner. l undetata~d that any inccC,lSC may range me to mike lar6er moruhly ~yroents. ~ ff this hex is claaclted, the variabN Daily Pec+odic FINANCE CHARGE Rao on my Aacou.~t wits be adJuaod on i1tiC first day of ovary urontb, urnU flte Icekx t+kLa published o4 the last baarii,re~ der Of the prior month I uedcratand flat any inaraae crwy cease ~ to make tacga ntonthty paygtemas. • The ANNIIAL 1PBIRCLN?AGE ItAT6 on my Line of Credit will never be more than 18% 'i'hc ANNUAL PlERCBNTACe RATE dges! not include any charges other that idesest. ~ it this ba>ac is chot~eod, the above teikrattoed spread or tnatgirti ANN~JAL PBItCF1r1'FAG>e RA'I'tG,atd daily periodic FINANCIR CHAatGI~ shall bt changed daily in aeootdaatcC with the table below, based on my ttttptpd balscaex on rrry Line ~ C+rotiit, trot. incledirte any Fixed Rate Advane+l balances, at the end of esdt day, Subject to any minimatm rate or catuciaturo rate disclosed itt this document. RANG>C OF OU7'STANDINC IKARI;tNt ADD>cD ANNUAL GAILY aAl.AI~CRS ~ TO IIYDBX PERCEN?AGI~ RATE PiI;tUQD>IC RATE Up to S 19 , 899 1 .800 % 7 , 650 % , d2005ii "/o $ 20 , OOa to S 4a , 999 1 . l~St) °/G 7.400 9`0 .020274 94 S 50 , 000 and above 1 .560 "fo ? . 3fl0 °Ye 020000 °10 Q if this box is clteduod, t6aro is a H6ninntn ANNUAL FERlyIrN?Ate IIA'I'6 on rte Lint o[ Credit. 'I1ta ANMCIAI.1rERC1L117'AG>c 1RAT)B ao flaw Litre a~ Credit will never be Ises than 4.240 y, (the "Fto~ Rata"). if the initial ANN(tIAL FERC)ENTAGE IiwA l'lr set forth above is LESS titan 4.240 % tAm the atxual daily perialiC rate m ttltccp, as of tine dau o[ this A$rotccaene is , 01191 G 9'o which corresponds to as AM~IUAL PERCENTAGE RA?>l: O[ 4.240 "/a, Line etF Cre/t >!'tt>•est Dtacing the Draw Period trry Lice of Credit Rcgatlar Minimum Monthly Paytta«u shat! be in aceocdancc with the payment option CJaocfced belo~r; ~Q A paymemt wgewJ to the geeater ai SlOO,oo ar 1.5°Yo aimy unpaid Line at t,.redit balec-Ce and credit insiuaace pr~a++i~dm, if any. This anao>unt will change in the Repaynttttt Period. [x] A priymeat egaat to tltt Fi11ANCE CHAntar and credit itrsatrmtcc prrattiatnts, if gcty, owing. This anwtutt will chan®e in the Rapayencate t'artod. EQsosc cosr2oon> 041271200' 10:18 AM M~ AOpeWtt >S that I ngay COttYEr! titt4rC adVaatcCt t0 S Ftxs;d Rate Advance(s) during the Draw 1'eriad bauood on crodit limit availabiligr. Fined Rate Mivstttea(s) Fir,estoc Ciarpe The fixed Rate Advattoe(s) iatest~ rite iS tied to an rndcx (to which a tttargin or sprsad witltin the maximtutt statai below is atWed) as of rite due tha Fixed Rate AdvattC~C(s) iS regttestod. Dtrriutg rite Draw Period oa t~ Account 1 may roquat up to S Fi~oed Rate Advaatx(s) w+th no man than 3 Fixed Rate Advantt{s) exististg at any one time m the amounts aM tents within tha:angec see forth bCtow; FiROd,Baltl_~dy~AmotEUsT 510,000 - . 19,999.x- 3 to IS years 520.000 - 49,999,99 3 to 30 yeah SSO,ooo - atd above 7 to 90 years During herb the Dray sttd R~aymene Period, you will chtnRc ate the !'IIdANCE CHARCR oa my Rite Advatce(s) balance at rite end of each day at a fixed daily periodic rate. Il iS equal to U363 (366 d~urms Icap yeah) of aA attnoai ralo calc~ttaed by sd a variable marpn of 0•/. to tt~Y. (the margin or spread) plus lire "htdex Rate" m eRect oa tits day I the Fi Rate Advance. Ths Index Rate is lira Well Strret Journrl Prime (Western Edition) burred on fZre Indac published in the "Hooey Rates" ,cation ou the dry I nqueSt the Fitxd Rate Advance. 'I1tc shall be dgenminod by the book in its sole distxrtion b~ upon its then caterptt itMerest ratan for advances of sirniiu ~trQ atd Ip~ms, Th ANNt1AL tERCiNTAGR RA1R on my Fixed Rate Adtiranoe{s) will newer be urns titan 18.OgG'ti. The ANNUAL PIeRCICHTACE BATE does not include charges other tlrtn inkrest. FLa~ t~ltargc and Terns err Taly's Fiiaed Bane AdraMCe -(~ Il Qti box lPiYSd llatc Adraoct(s) COUVStxiaa Fa 0 I agr+be to pay you a 530.00 Conversion Fee each time t request and obtain a Fined Rate Advatta(s). 7~ Therc is uo Comrersion Fee (Tam propertita only), Fixed sate Adratrce(s) !tt>nent During tits Draw atti )y Period my Minimum Moo~-y g ~d be the equal to the arnonnt of PMT t>rtts FtIrANC'H G4 suttletenc to spay egtNt r Rate Advaooe(s) within the chosen leash in w~be ~ ,tune daC t~y Liner of Crodit Mmiroum ~ ~ peY~R ~ ~ ~e on lixdr due dt~a. width made when due. the tlrtal P+!'tntart Doc Dan. if my payments an not caenrpemdy P atnptnt may be a~usted E d Ffnaeee Crarye and Tags os lAttrtro Firm Rate Advattee For rxmnptc, if I were io requpl a Fi~md Rae AdvaaOC in the amaat ~ 510,000 for a S yyear term, on a ~d~yy when the Index rs rite state n R is today a®d the to v-CrC 896. tt0r Aced Daiiyy Pariodic F1NAI~IC~ CNABG>l: err nt3 Fixed Rate ~Wvauoa wvatd be . 03707 t~o with a Oorrospwtdutg ANNIIAL PERCEPfTACE BATE of 13.75 X. In c~nttactitm with this Rixod Rate Advance, i would make 60 Minimum Mondtly Payrnent5 tsartSirxirtg of both principal and lntaest. Mr Tatar Aacrs ]htr_ryrrt_tlla~e Darrim Rye bran P'erbi To unity all rntptm~d PayateaEs Cn my Account, I wit) tttoeive monthly Ml~ statea~tesi<s Sots rite Bank The B Balance sho~w:t nut my billity statement is the total of all utrpaid obligatiot+s which hive been posted to Account as ed the daa of the lgat, inCltding line of credit advance, averlinrit atttotlrtts (to the sxtent a9o~w~ed by law) and Fixed Rate Advantx(:), lEJQIANCB C>gARG&4, late uttatrmtoe, other chaget, and lba. I can pay eithq the Fttdiutg Balagce in foil or in momhly ittslallreents~ast pay at least the amount of the Total Payment Utte by the I)atc Due, as shown Oh the bilting stmctncrtt. tiQlo7a(osrtoW) s is citrckeri, I havo aquested a leixad [yte Adv~nec waxy in the amount of SN ~ n . arwf fora N 1 A month tram. My Axed Daily Periodic F'14VANCIC CNAR~GE ati this 1:'ixod Rate Advance is N 1 n •A, with a corresponding ANNUAL PERCENTAGE BATE of N / A 9ti. 1 agree to make N r A Minimum Monthly Payttreats in the amount of SN ~ a , which inchxlse both principal snd itaeaeet. oa~z7,2oo5 1a;1t3 nM The '"Tool t Dot" coeedsgo of my Fixes Rste Advance(s) sred Liao of Credit Regulu Misinwm Monthly Payatcat tage~with alt part due an-o~anr sad a~~erlimit aneooms (to the extort alla~ved by law) and all other charges dot. bilint~ ~dc ~ sepre~ly tauldptyia$ the tssptsid Lira of Credit balteaoe and F'cwd Rate Advaatx(s) balatlxa, tf any, at the end Ot each day in the eturtnt bIU' cycle by sees a s~pp belly 1'aiadiC Rates and then sddin$ the :~utta together. My unpaid balances st the esd~ each dory will refltedvattoes, batanoes, pytrtents and CDe~its made that day. C~+edit lL irNit loenas~ ~ err A~eaasd dlt;dt: tra ~ Ctrstetrrer R.geeped Credit Lfoit Lcrr~sc I mry apply for as inrrgse in eery CtCdit limit, and if ! do so I agttx to paya~y applicatiory appraisal and other fixs, utcdudtrtg ittct+saaod ooilr for dtk inatrinoe, as the Bank may requue. <f the Battle approves my t-pplicsdon sad increams 1p7+ credit limit, i will provide and tnaintaitt such additional hazard insuratx (itueluding hood it~uattce, if neoessaty) as the Battle ma!r require. sa~tr Ctdit i3dt Isrreases 711a BtWc.tatty f~otn tinoe to il~ in its sole diecretian, ~p~ov~ additioaai credit for the under the terms of tt+is Ag~etnptt. l will receive written notice from tits Hari a[ w~ch after to it~t my CeedR Lamit. l rnt-y atp`pt soh offer of inanarsd credit by my use o! tlwee additio~l funds withwt ~pritp~ eery addi~ra~1 doeuareaits. All such inecesittc+d credit arnotteus wall bt g~Orerned by the tarsus and eonditiarrs of thts Apntment acrd will be secured by the Mort~e or Daod of Tntst, which atptret this AgteemeM. 5)rC"I70N S: MY ACCOUNT DURING TIIE REPAYMENT Pt?RIOD ! T tu~raet~sana will tw loogei be allowed at the end of tl+e Dhraw E~Criod. At that time, I will baps fete Repayment which wilt continue natil the Maturity Date. F)~D lilA7Z AD~~/ANC,~IB i ynnag iwt eesx rs~oo, r will Conrit+ue to make my pryruaMs an m~- Placed Reties Advettee(s) in e~ffect< as of the cad of rite l?mw t+ttiod. if my paysnmtts era not cxa<tistaaRly ttotlde wLcn dtte, the fiml payment aatowtt wilt be aq juszted. The ~adc w+it }wtiry me in advanoa of sty ch~ggt to my Fixed Rabe Advaa~oe Regul,7r Minimum Manthty Paymtttts. L'i.D THE Bi~PAY N'[' tar~g~~. I7law~~,~..___~_~t~aid Lisa oaf Credit Balmrae will be renao, s i a iettTM cottvECted seep a new Fixed Rate Advance. The pixCd Rate Advsnoe cheated as a fesull Of the unpdd Er~lancx on tnS' Line a~f Credit at the Ertd of Draw Parsed: - Will have a term or L S veers if the unpaid balance is less than S2Q,tlW or 30 years if the torpid balanot is ~O,t)00 of more. - The Bank Trill piculslc rho payroa-t amatnts. which shall be equal, ia2ly assartitie~ payments of pe+neipd and interes! snQicieat to nipiy the new Fixed Rate Advance hY the end of its tuna. - Wtll have a minlmum prlnelpel bnd Inta~ast payment of 1100, which may resuet fn a term Vass thou 15 years. Ttto Bank wilt iotifj me in Advateoe of a:ry dusnges to my paym.rd: due on this new Fixed Rate Advance, 1f my paymttlts arti~ not cxsnsisearttly made when due, the Seal pryneent amotmt win be adjtttaed. Ft tell At rty coareets to a Fixed Ra-t Advateoe, the FINANCE CHA~RC3Eas my bsiattae rrW be6in to aoctne on the Mst day of the RepgRncnt Ptrlod. I will be charged a FINANCE CHARGE bored on the tsnpoid p'ixed state Advance bAlanoe At fleet cad aE each day at Inc fixod Dsity Periodic Rork, equal te,1/3b5 (t/36G doting ltAp years) at flee Itdex Rate {tubiirlwd ~ flee 1',l[st bseie~ dsy after iho end of the Dr1w Penod pins tbs spread or tnar$tn u desctrbed under the sodion entitled MY ACCC±U D[1t2ING 'iH£ DRAW l~1tIt?D, Fixed Rate Advance(s). E~ost: roe~noo~> 04127fZ005 t0: 18 AM ~~c MaMU my Accpatt shall be the later al• (;) the ntattority date at a~ Fixed Rats Hdranoa(t) in e~oct an the dlt~ tttlar the end trf the Draw Period, Or tb) the tWs of the t:onvtrttton at ttq unptld Lot0 0[ Cttrdit to a Fbmd Batt Advaltce aflcx the end of the Drnv Period At. a. dtoe, air mtsa~ining batana ,mdt be paid in !W I. SECTION 6: AUTOMATIC PAYN~NT DISCQUI~IT ~ If this box is chtxirad l httwe tdtosea to tttake AtttonMtic froze a qty aoeout-t. for all paymattt obli~ions under this AFreetrtcnt a: i>b~ed is the Autltoriaat~Attiomslac Tt~r and ropRived a disoottnt for matting that shone. I ~u~dpstaad that the ANNUAL, r`RCEly'!'AQ RATLr an my Lice of Cndh deacrit~ed about was based on a dir+cout-t yatt gave me for this autltorizaticn ibr automatic paynmttu from a cNtali![.d ttccottttt. Tf tht auto~ac paymens ate tertttiaased fur any mason by anyone. the spread etr m set fonh 6sreittttbavc used to Cakktttlale the tare of FUtiANCL CSABGL on any Aq(:tlttat will itttxasa by N ! A tltectiroe the ttmat bs:a~ day aAer the automatic payntenes are terminated. i will txei<~e tttariot of this change in irttt:real Late and ptrytnent as applicable. (~ tf this box is choelttd the Automatic pirytttent ~istsaurrt is not available for this eooouatt. u . ns~ a~wa the anto.~c paymem nature atw ettveer tlrs >~ or I vet ~roelad tiers-`--~ for any aeaaoR, then the interest rags art tech of taty Fixed Rage Advanoea will be sub}ar9t to a one time imase of one pwrca of a p tom- U'lhis happttats, trty motNhly pa ti will bt wed by an stnoant sttDident to tlve advance(s) ttvar its rorrtaiaiag term m sgbstantegaal psytttents. l will be uot<Sied ut writing st lea~u 2] efsya before the >B~r:< iacx~dtsod monthly paytttent is due. This notice wtn contain information about my itxarest sate, payttwa+t amca>* and b®lattce. SECTIQN 7: OTHER CAARG6S AND COTS DUE 1 agt+ee m p~q the Bartle the cAarg~s and cops set Toth ~ tlrosc d~tetibed on tht HU O Settlement Statcrtr~t (if applicable) at the opening of my Aeeoum. 5ECTIQIY 8: O 1'H1PR FINANCE CHANGES if this box is checked ! tf6ree ttr poky a ~SOtI Origlrtetion Fas. T]re Bank hu agjeed ~ deter the coBa:tion ~ this Fee. Tbit kc will be dos and ptyabk in >!hn at atty tithe within the first 3 yams of my Account opening, if 1 Noes die B) ~ ttmoa otlter tlspn dc&ult, casuahy loss, rdimoce with you or your>~liate or fcrmitmtion by years, the Bank will waive this attsowtt without any furtlfa action ragtdred on my peat OR -rWA P!R (CDLi.1tC1'cD AT ACCaU~tl' OP'F.PIi1VG1 ~ If this boot is checked 1 agroe to pay s S N - A Origittsrion Fee colkettd at the opening oil my Account P~ FBIL (COI.I.itC'I'RD~'I' ACCOC~' O*LN G1 ~}T If tlms boat is deecloed t a8rte to pap a S N / A Pracesdtlp Fee cailetxed at the opening of ttry Account. rT1 U this box is dtoolced, I agr00 to pay S N ! A to the Hack to neeeive a reduced maximum ANNUAL rgRCEAt'tAGE F.A'CC oa my Lino of Cradle ("Litt` 01' Gedit Rate Cap") egtptt to rto snare titan N ! A 9G s the initial ANNUAL !>l3tCf.NTAG1v 1tATLr N ! A 9'a fpr a kwrer tttttttimsat ANNUAL. PffAtC1~NTAC-R RAIL of NIA % on tsy Line of Crodi< '[his redtxxien haf been teAected is the I.iOe d Ciedit Rats Cep disclosed in the Line ~ Crttpit Advatlee(s) F'lnanee Cirartpe section tt6vve. I tmderstand that this toes riot ytpply to my Fixed RatC Advance(s). ~OF CREDIT 1tA7'L l;D'Y-QbWN fQ1''PIO)til1~ ~ If this box is t~itcfted, I tD pap S N / A to the Bank tp retxive a N ! A'•fi rtdttctien of tltt Periodic TTNANCE G'~IAptfiL on my I.tn~e at Crodi~ 'i'bis roduetion has often ndlodad !n the aaotgin or spr~aatt disclotasd in the Litre et CreQh Advaeges Fiaanoe Cty.rge satxiort above. I antdatttand that this does not apply m my Fixed Rats AdvBnoe balattca. Ab v~wi~.~~ !R ~H~-l~ t a n m Las atner rtiaa~ott [attbrges prowitkd in this 5eclion g, the folbwing dtarges daoribed on the H11D Scttkartent Statcmettt atd to be paid Fry sue at tttc openir~ of my Account (as applicatble) art also Otledr EQ~Q7F (ou2ow) 04/27/2005 90:18 AM Y+lr~ce Charier Applicatiat Fee. Acaommodeatiau ReowdinstSi Fees, Admini~Rive Fa, Attorney Fee, $xpreSS Ma+l - (Jvicenight Ddi~ery,lNart~tgs I3rotter Ftxs, Cotepulaitted Lnaa Ori~ttx Fee, Document Pnepantion Fac, Points, Ptepa;d Iattxtat, Redraw Ftx. Recording $etvicG Fet, Seltlaoearl or Goring (Escrow) Foes, Servicing Fee, Sobordit+ntion Fcc, 'fax Se;rvioc Fee, Undertt+ritLtg Fea, and WitrJFax/CotuierFoe. SECTION 9: F6,ESr Ct~TS AND CI;IA~GFS [n edditipt to the 1R.R7AAlt'E CHAjIG<E,1 agt,x 10 pey the fdloWina non-t+etttndable Fces, t„o91s asd Chsrg~, which will be owed onoc t9targCd t0 ta-y At:stwnt ANI~lQAL ~ If this box is checked, beginning 1 year attar the Date of tlke AgrvenuN. t~ rear' guy Aoeatnt is open. wt~thp or scot I eet: rt, a g75.00~k Anntwd Fee will be chtraed to my Atxount. Tide ibe is bided on the mo~ lnWna preprr~od in toy Mttivt:rsaty montlt. If my Acc;rnutt is open and my average dt+ily bolas>ce is 524,E or t for the ! 2 ttt0atfht~ up w and inchtdigg trty Anntversrpy month, drat u,e Hank will cxgdit my Account S 75.00 oat the ma~hly billing tNatt~ttCttt prnptuod in snr Anniversaq+ mtrntlt. For rises purpose of maknsg this cseusrmiatt+tiot>, tiro Bann will add the average daily balanoa shown on the 12 mostiMly bitlittE sfatertteats and divide the total by lx. ~7 U this box is c6edcad, each ycrrr mmyy Mcoutst is open, whttther or not I trot it, a t N ! a ttvn- ~ Fee will6e charged to try Atxxwnt. 'l his ftx is waived the first year ttry tins of txodit aCt~oi. is opened, and is billed beginning in the SeCOrrd and t~ sttaceeding year, during the Draw P+cried, on the anniversary date of my line of credit. ~ If this tax is thcdtcd thet+e is m mutual foe on s++y Accousx (~'exas hornedtad properties only). ~;A•I`E CBAiGFS )f my sdt~ried p.ytrttwnt is morn thm 10 days past due. I will pay a Late urge egaal to the Breuer of Sy. of the scltadttled payment or tm css.oo> tloliars. PRETAV'~~rl' FEE p [f tltis box ~ chedoed i agree w poy a prcpaytrtent lee oP S 600.00 Thin fee will be dun and payablo in fill at nay tim¢ witltist the that 3 Dears t~ tMc Qrue of this Agreomont if 1 ctasic mg AAOOttac (it>r any reason athrr than tittfault due to non-payraee~t, Ca6uaUy lo`s, yr t'et3nanae with yqu or yoaC alfilit-te~ u mfr aeoount rett+~-s+s epw dvtr 3 years frarn the titer of this Agreement, tw p~p~y~netrt lfcc witl be ataccasad. No twdK of a pt+ept+,yment of this Agnxnr~tt shall bs e15eetive untsss and tttttit sorb -prepaytt+eM is t-coosnpaoied try the appliCdblt prcptymertt foe. ' ~ If this boot is etlldced. I have regtuetsti a waiver of ~e prcpaytnart fee. I tmdtxatattd that the matgius or spread disclosed is the Dine of C~+etlk Advaa-ee(s) Finaaee CAarpe stxxion above has been inCneaaed by ,23'~G for this waiver. ~ Tf this box is cAxised there is no prrpttytnent fx on my ~aam. OTHEIa I:NAIII To the aacaent allowed by law, Z a~ee to pay the fdbwittS fees if I roquest or turptot•Lxe these additional serriacs: (a) Tt I ragtrert ~ aatltO~zC ushers to request any document or kttrr m be tryutsmiltad by fatximik (fax) ~u~ the 9atdc wi11 clrerge the a fee in the atnamt of S l4. (b} Feed-, ~: if for any ptt:poet: tstherthart a billing etrgr inquiry, l t^gotit or authorize someone to requdt tltAt the rt:smorh my Accowtt or provide phdoeopies of At:cAttnt docontcatts, the Baidc will ~ nre a Tee in the attaontd of SS per phatocopr• (c) ~ ~: Aecouveyarta and satisfaction fees will be charged u allowed by the law of the spate whtrK the petty is lat:atod, (d) >t 1 rtxttanst that the Bank stop ptynttnt on a titan ] boot vsod to advatttx on ~ Liar oC Crarfit, .viii charge st-e a ttt:ts d Y23. (e) R~ : l[ i sttalce a ptrymCnt vritl- a ehsclc that is tkshottosstd for airy rea9on, the l3~rtic will charge the a foe 112s. (f) (du; An overlitnit fan will be charred in the anwrtnt of 525. (g} aerutt._ Adrttwet t',:betit Fee timeflkieetStmdsl; A Ratttrn Advtn+oe Chock Fee may bC charged in dtt aunount of 525. EQ~o:~Cs (UtL"2004) Osl27120t]5 1a: 18 4td SECTION 10: COLLECTION COSTS AND ATTORNEYS FEES If 1 atn in defauN, aad to the meant eat prohibtted by appiicrble Isw, l will psy the Btn1:'s aellection costs, a rtxy s fees and ad~er atpetttxs 4f mforcirtg the s rights itpdty' this A and t!-e Saxn'ity ]ttstrtut+cttt one tl~ A'i'operfy. SECTION ii: MI~THOD OF PAYMENT Depe ~ rmryr chasers method of pttyatertt, the l3ardc vri11 do one of the folbvring eadt tnontta, daring both tltt GrBw andyntp~t Pmgds: Q Prpvidc me antlt a bill slatia6 the Taal Payrpeat l7ns, {~ Aglpnatiglly ttty aaatpt (uttdar the ttutas of a saparsti written (ACET) atttoraatia >tnt~ authasi:r~rrt) for Told i?Me. Other due will be idled apt! tttn~ be paid sepprately. How.v,rr, if I have past due atttonttrs on zpi' Acoount, you wili 1 me for ati pevtoeM srnounts clue and not use an autottatic ppyit4ytl t0 colltxx these atpOtttltS. SECTION 1Z: SClIEDULt~D PAYMENT b1JE DATE My tnoauht due Batas for my Tots] Payments puc >$ the t day of uch apd every month dttrina both the 17taw and l~a)rmept Periodx, SECTION 13: MY PROMISI; TO PAY p ~ ito pay to the B:,ah ot'~ FINAL*G'1dARG)c a all ma~ttu~ averlimtit~atn~oupts, and Pay aTMy , l~ PpW , uty tats C~faea, outer chrges and other obligatiot+s charged fQ my AccotunR ltttdCSr this Agreement er the Security lastnttttene. A!1 payments mad. under this Agrecmaut will be made b U. S. dollars. ( will tnaite pttytna~mtit at the 8pnlc's addns;ta ~r a pagrment, as ittdieMed oa rrry ~yttrcnt eotepatt pod billityi stateaaeaf, »pida amther payttteot ntotltod is t-tc Bank. Each >aan-etearotuc peyttttnt [ mpke vrill be acxotapatded by the ntmditepr,C potion of my bililag statetttetti. I intdCnund thu pq)rnaents I ettake by Atttamatic Payments or by spit tp the tetttlttstta address indictr<sd on my billing statct++cnt pad ttx:civod prior to a 3 pat. ctu~off time op any day, inclut'htut Salta, Stmdrys apd holidays, wilt be pedited w ttry Account as o[ the dots received. Paiynrenta reopved alter t~i~ cut tune wiU be weditod as of the ttcxt dtty. I utdm;stand t~ pttyettcMS I tttaltt at a Battle branch, onlipe, by ATM, by tsisplgne, a by auy other tpesps the Bank may mtekc avpihtble to ttta and recstved prior to st;tsblisttpd cut-off'tia-a wilt be credited as of rite bnsinps day 11~c payment is rpCSiwpd by the Hapk. Saaadtty:, Sutttlaya, a~td fCdcrpl holidtytt erns trot ctotestdeted business dam: payzttetres received Op these ~ or otter establisltra eitt-oil dmc;s aYll be credited as of the etext blesirtets dqy. I will not stroke peyptent or sutitorize others to make payntcnt for me by rtteaos of a sietglp agg;egatod ptlyntettt, which ipcfudes psymatts fbt'thin Accown and asq other aoca,.nt(a). uNess the paymsttt is matde ~ oompliattce with the 8a~dt's regtelretr~tta for mutdple: seoa~unt pttytttents. The Better motY ~p i~ prY~-ts+ Pust'tland tdttxlttu, Or arty Pope of payme~ contetittiu~g a t+eatrictivt atpA01M, ~osing arty of the Baplt's tigitl5 u11da titi~ 't'ba 8tipit's ~ Of chocks or money otdtsa labelod "payment m fall," or words to that c~oct, will pat maaituts an aoaxd attd satidaction ttor a rraiver of anj+ ngl>ts the Bank has to rectivc full paymem. 1f I imsnd to cotditioa a payment, pay the AcoauM m ~I wi16 leas that the tarot aptouol awpl, a give paytpept ipsotrarops, I will dt~y set out torch intpltjp4 ~ apd ~ m a epa later aoeotttpatryipg my payment. and mail belh to Wdis Fatgo Bank, N.A., R.O. Boat 2993, Pat~tland, ORe9Mn. 8~. SECTION la: TAX bEDD~TIHILITX t ortdetstand thse I should wnsttlt: toot advisor regsrdiag tha dsdsc~bility of iniCrASt sad charges under my Ae:eonnt i RQ403H (oir10o4) 04127 / 2005 10 ; 18 /tM ' SECTION 15: RiE>EVAI.UATION OF CREDIT Q~UALIFLCATIONS AND CREDIT REPORTS My:; ~ this ~~po t A~tpft atultaines the Haalc W obtain exalt iaformttion abewt rtes, inderdiag aedit btn+eau of ~ ~ ~Y Bute. Such credit bucOfw reports mey be r~ga~tad or tread in aet~ion with (a) r+eaewa cr e~ton (b) rr:viCw of mF Aceattett, (c) taldrta au7' eolloexipn aAion or (d) any other Iegitimus purposes with rtty A~cc,otttN. Upon tpy tegaest. l will be irtirortttod whphce the Stmt obtained a credit beaeatt report and, if so, the name and attdt+es of the credit bnreatt titer fatawitod rho ++e(tort. t sgeee to submit current tfmateeeat information to the Beak upon the Bent's request. Tlltc Bank may teexarrtrrte and teevaUrrte cry Credit gtatiorts at arty lime. The Sank tttity [rport ets experiertt:e with me attd my Accextat to trlhrmr, to the extort altowcd bylaw. SECTION lb; PAYO>"'P' BALANCE INFORMATION The BatUc wiY tell ma the btthnoe rogttined m arty t~ eiay to pay aft my Account in full, if Y eo request. l! such t+egttest is made ou Aty behalf try an escrow holds or xttlargeaM agcnl, the Hank Wray immetiia<dy tt~eszc m!' Account. VVltile wry Aeatourti is trozea, I e~etetot rexeivc ZtCVr ttdvattces attd the Bank will rehtrn unpaid arty advance chcdcs the Back ttxedvea and retitsea to honor any abet advance etegtust,atada era ruy Aocextnt. 't'his payoff freeze wilt be titled asd say Account reopertetd if the regtteat for payotY ttedaeoe irttbrtmttion is withdrawn std tAe Beak has rtx:eiveid writte:a Conftrnatuon from the escrow holder or other stxllexdaat sget+t that the escrow or other setllet+wm has been canexlied. SECTION 17: DEFAULT I will b is elefauit if (a) t tyil to Wrest the rcpaytuaett terms at'this ApaC+tbttt for any etumandirtg bnnlaetcs•„ err (b) there is t4atrd eN mtttetia(mittrepeeentatiam by me is aornection with this A~eemeaR, car (c)arry action a inaction by ,rte advenaty affcgs the Back's sopuity in the Property, ittclndirtg withertrt liusitation, trarnfcr of the Property ~v-111ottt tltC Beak's eXtlflslQ. failurC 10 ntaialaitt rtquircd insurance 0! re[~Iirad taxts~ revoCatton or termiratteon of nay rervoewtUk tt7ret that is an ertvrta eaf the Prapeaty, our the death o[ any psrron who leas sigrtod tt~ia Agreemrrtt. Ir I tun en dets»It, the 131tu1t, ynbjecx W a}]plit~eble law, may do any er all of the falkrwing: (a) steer my Acuruat imetnlxlialCly, without aatiot:', tb) fletttrtt to the paycc wtgtout paying nay otttsnandina advance checks drawn on mp Account and retitse to home nay other advance made ext my Account: std (c) require imntetlnte payatettt of the em<ire baNnac erf my Ae:cottm, and if I ttW tea pay. etxwrcisc rho Bank's ti6lss under tht~/Deed of Trost covettl9« the wbrch rctoult fe tba fors of the Prgperry. R I am in deftatlt, the dotetmitting the Daily Peeiodiez ANCE l~te3>r Bate will remain as dedetibed in this Ag~retaneeq, The Bade artd I trptoe that emtwith~arte~ag airy ott-cr pstn-isioa erf this Apocmemt or the y of Trust, the Sauk will have: the right to textttiaete or suspend ttry Account to the eadent pexmttt3ed by~~~tf k'~able >aw. SECTION 18: CLOSUYtE OR SUSPENSION Olt ACCOUNT Arty oar Horrov-~er wn doss the Aooourq by paying in ftdl std aendutg a signed letter to the Bast retgwutiteg that the ApCtault be clawed. Any one Bormwer may terminate the advartoa feature:, at any time, by sendirt~ a sighed letter ev the Bank rex)uostietg the termination of the advattrx feature. To reactivate the advance feetw+c on the Aecorrat, the BaNc wilt regture art Borrarrers to sign such written ttxltrcat. The Beak may strspeed the use of rtry Aceottm and tetmporarily close eny Ac~cottnt a future advances for qty reaaan pemtitted by apptie~bk taw. ittcltdirtg Inrithoett timitatioq (a) J the aantralized Deity Aaiodic FII~tANC13 giARGE Rate ogtmis or excexds the Mardmum Antettal Perot:ttt~e Rate stated herein, (b) there is any matetittl chaagc in my financial CitCUtllsgreCp ihet the Hank rCasunobly bNievCS urilt mob ats mtabtc b litlfill my npaymont obligations wrier this Agteentatt. (c) the value of the Property dtxliaas dlpaitienrttl~ below its t~l apprttitod vzahle, as determined by the Bank, (d) eny failure m oe>a~ly with any material abhaatian aaaer° rhea w~roe:et-Ca or ti-e sowrity Ittstcurnptt, (c) a regttlatoty authoeiry etas noliiicd the Ban[t t[tat ex»ttirttted advanexe would aoostetutc tm ttoaafe and ucntound bnsioess pntetieo. or (f) aovernettp-t action prevents tlte; Bank from imposietg the Atu-uai Peramttage Rate provided for is this Apeettecnt nr iatpe~rs the Hank's Sewriry >iRm~ sttclt that the value Of the senertty iptt:rci[ is less than 120 pa+otaet elf the Credit Limit. iri the event erf a saspenEiOa of mY AcaotnR, the aarttt is authorized t4 Obtain SaCh ]atbrraalieta aS stray be rCquered try the Beak, 3trd1K8etg A9etepUt ltnufalton, Cradil and appraesals of the ~ to evahtate nay ragoest by me m t+eirrtlats the /-ccotertr_ I authorize tttc ~ to the: cost e>f obtaiaittg adebti0ral iafttnttatiort t4 ray Aooourtt. Tf ~ Aocotmt es Cloud or saspptded !br mty r+Cpsott, the Beak may Wrote tp the paytte without payrug arty aut~ advance dtCdtf eftawn stn wry ACOOunt and ntfitse to hetaor nay duct' advance rrgwea made em wry Account, I eaontimet to be resltoadtle fort tt,u payment of the balsttex of my ACCawtt as well as atl gthp~ aCCOttnt etpligatioas, acoprding to the tames of tt„s Agt+eemett. t3er0]I (OR/200~ 041 Z? 1211t~6 10:18 AM SECTION 19: REINSTATEMENT OF CREDIT I chill reecive a wry rtotix if ilea l3ardc ar frpc~es ttry ~ouM or redtrat my Credit Limit. The nntia will iredurk the raaeoa(s) IOr welt sation( ~~1LstaaAttr, if ! wish ro resmlata my Aecattaot a i my Ca'adit t..irniir 1 b send a written ~qu~ to thhee Bank X the addred sptt~tted oa my eetoatMy b0ling eWandd, sig+eod by all a~ ebe ~onewees, along with mtist~tCUy evidence to t1x i~anlt that tf~ ~oN(e) for ar rod,~cdon of my Account no longer exist(s). I alsp xge+ee tp provide the Bank promptly with arty additional infotrrwittre nece~ry to snppoit mY reepteat. SECTION ?A : 1P'IJRTHER ASSURANCES I agt~cc then i will take say ems, taclttding boc riot limited too sigtwts, Slim ar raeordirrg say doc~ats, wtrt~t ate netcaaary ar which ilia 8a~k dopes Apprr~ste' to be surd t6Rt mp oMiganons w rite Bank varier this A~eeaoetat becaae sari continue is be secured by llec Security Iesptwncrn. ' SEC TION Zl: CHANCE IN RESIDENCE pit OWNEAgHip pF T[~ pROPEgTy l agent to noti~ the Bank itn>veediatety (s) if tt-c Property is my primary rc~Onee and I ewe tp in~e in the property as my primaYy readatocr or(b) if inert if airy Ghaogc iA the ownersiup of the P[oparty I agrae ilia! ~~qq Account shall be claeed std fish the aedre ouastaodittg bafaace a[my Aceetnat Mall be dire and payable imtttadarN~ tta am sale or othv transfer of rite Proppty. In dais re I weelerataitd flat if my Account it setwed by r t)aad etf Ttuat ar Morigagt oontaiac the ibSow[ag or w6atan~aliy airoilar provixion: Upon soh, trader, irypalhae-tio4 aafignrnmt or gicerrabsance, wtedhar vatontary, invaleattaey err by crparation as law, of ail or arty part of the Raperty rtr ~Y intcncst tltru+eia, then m its sole opteon, the Bisti[ may, blt wplkn n01i00 t0 Trtts~r (rK t:,rytrtl0r Or MCnt,agor), declare ati obliptioas sectrrttd hereby imtnmdia6Etp rise end payable, except >4 the exttaet that such acceleratiort and in mch particular circuutstanoes where prergaa of Such a right by the 9aalc is proitlbited by law. SECTION ZZ: CHANGB IN TERMS To tttt extent ~d1l+oared by law. I agree that the Bank may eoatcc oataia chw,+ses to ilia terms of this Agrwmiert at spet~tted times or the oaearrarux of spociRcd e~diss. The tiadt ray atalce stxtt at t:hartges is rite addttms t;or payataLLs, bill cycle; dates payment due dates, day o~ t6e month on w ' iederc valets arc ddsnmiaod, index or tMetrsat rata ro~ac~ told, and balance eoraputrttiait method ((if the c an insigr~anc r~eratoe in ~s iaMeSt I pays The Gantt may altq make changes drat will beaelk~ ssxs additional optiaets e>r a tctttponry e+edttctiort to rate: or face. !rr tioooreiaooe with federal law, the Hank ttr~yy also change the irtdax aaQ rnergiet weal eo deuimiria the Annnai Paressti~e Rata i[ the iadax is no Longer avsilabla. The Baalt racy make shy of the chances disctiuod 9bove without ray ooreent, mdetss state law pttyvidcs otherwise. The Bank will gi-c i1-e say ttottex of change that is requited by taw. I nary also agree to ChanBct in writing, SECTION Z3: WAlVER5 f'wra,e mY"n~;prta~the 8atilc to do eertaut tbat~. Those twigs acs; (a) to dtsrtwid ptvreeat of antontics elite (kmws set ant")~ (b to glut entice that amourrls dace havs tat been paid (turo+vn as "Notice ateliaAonor"): (c) to obtain ten txrUf~gtion etf »uttptrymemt (btoro-n as "paotetq"). Attyottc else who agtttee to leap tits premise made in this Agropnprt, d who Nl~ w tnaloe payroatNs ~ the Beak if I fail !D toecp ~r~y uredesr title A~Canaet~ ar t~to cigar this Agtetmrattt to iranfemr tl to sotmeona else, waives tt~se rights. T'I~ase: persons arc kntrwn as "gwtrarttorsti soreaw sad atdorsarf.' ~,tt;~s lw~lwwwrvlr.~ t!e rice; aui to one of arty e>f Its rights seder tleis A or tbs Saanity Inswattant oa ilia un opE or more otCapoas. er dslalr err partially sxarcix eaten ri~wWwut waivisE say of its rights or mm~ag arry.of cry ablipttiona. 7'bc Beak may fail to ma>Ge use of any of its riglsu or eicisy or partially exercise such eglitS agxuryt oae patty, wittqut wttiviag rills rights against arty other party to this Agent. SECT><ON Z4: C4vERN1NG LAW A!t tnte:rEat, sees sad ether aenortata dtar®ed or aocruiug iii Ootutoctipl with tt>;s whuh arc oosdideaed "interest" wiiJsits the tntyseiag of Sexes tRS eil'the Natiopal 131mk Act (i2 USC ~ 8~ 12 CFR 7.4001(x)) shall be genretMd by aced iaygrprtscd under $out>3t Dakota lira, IA ail ethetr r~p~, this Agteameut sad art relaxed docuauents, as wall as the ti~,hts, remakes, sad duti+;s of the Bank ml the bortvtra(s)~ s1aH be gon+eraad and interp~ertad by fedttt9tl law wrth resptxt to natiorgtl beetles arid, to the exted not preptrpttd by federal law, the EQ+e31(0&t004) 04l27lZt]05 tp: t8 AM cotttmmer p~o~e~n laws of the patu ia1 which ihu rite! estate is k>oatcd, d~u Texar Finance Cade Chapter 346 (w1-ich t~egtl4ues cer~n re~dviag cnadit seesaw) doss not apply to ttus A~eement SECTION ZS: ARBI'X'1I.ATiQN 7'i a problem with am d mry ensnares a loans wish file tsaeric or a ser~ the Back providee to enc. Otlett a call will trrsei!ve Iha matter gtticldy sad amipbly, HoweV4r, if tiro Hack and I are notable to rrsolve our~nces ir~rma8y, I sgt~a that ay dtapwe between me mitt the Hat1k reg,;lydless Of when it arises or arose, will be settled ulna the fuilowina prooCdures. I UNDERS"I'AND AND AGR~ TI3i1T'l730E BANK AND I ARE WAIVIIVG Tl~ RiGHT TO JURY TRxAI, BEFQRE A n1DGE >N A PI1Bt.IC COURT. FLiR7i#>Z, I WII.L Nt~'I' HAVE'IHE RIGI~IT 'I'p PARTICIPATE AS A 1~EPRESIEN'i'A7't VE QA I~ER OF ANY CLASS O>: CI:A[MAN'C$ PFATASNING TO ANY DISP[lfE 3UB~ECT TO AR131TRAT[ON. A u dry lmrtnOlYed tkSSarOetoerlt between the Bait sad nle that r+clata in ay way to aCCOOlifr, ktaus, sen+iccs or agtreottuitrt sabjeet to this Arbipatfoa psovisioa. It ietc111det aley claim: a corwaversy of any kind, which arise out of or are in arty way rulalod to there accaurKS, loan!, r+etviees or aBrocma+ts. It tnctttdea claitas based oa broioen premises ar contracts, ton (htiury caused by 1leatig~rtar irnuational eoe8tct), beaech of 6ducir+ry duty or other actions, IL also inclltdes patl~ory, cortnnon )aw and ogaiultk claim A disputs also inctudcs ash dls~eet~t about Wt 1nc~dng c~t'thia Albiorabon Section and wl~cther a went is a °d~a Ct to binding a:bi0laion as provided for in this Arbitralion Suction. No dispute !!fury be joined in an arbitration with a ~~ d any other pe~'son or arbitrata4 on a class action basis. Fnrtheratone, l ages that arty arbitratiop i have with fife Hanle rhail ~ be corctidcr+ed with arry• alher erbitr,rtiort and alts!! net be arbitrated on betwi f of others withotn the consent dbotb ttn and tltu Bank. ~Q,~ ~ E~ RA IOhI Hltafto^ Ma S u e the rules or procddures d AAA, unless limitsd by Lw. I urtdeettand 8nt the AAA wtll deterntiae the fees applicatdle tq airy seititratioa tLlt mar be l~tbe applicable Iaw of the sloe in which I opined dry aonautt limit; the amount o[ E+m sad acponsa to be Paid by sae, then ao alkxxtaoet of foss sad e7tppaeet W ate slnil exceat this Waitation. Udese mooutai~at wick applieabie late, me attd tlru t3ardc shall tech bent the d as own attonwy, axport and witness tees, zsa:~ of whether sae a the Beak pnwail: in the adfittatiotr. If either the Baedc er i fail to saabmit m binding atbi~bnMiott following a lawfW dematt4 the ptrrty who file to submit shall bwr the eaafsr and expcntes irlc~ret+ed by the party oompoling arbv3'nion. atno~ arotvaatat >s a nrgios d havi<1S one or move irdepeodent third parties rt~olve ditputes witLont u~ the taut syakm. " or juries. Either on Or the Bank may tnbmit a dispute b biodiag arbitration at any rasarwblu tune tits! a klvauit ~ other Proc4odir~ het; been eamatenad. The Amerkan Arbitration Association (tiff AAA) will administlr each arbiwation, atckttiiag the selediott of tttbitrpote, pur~gtaat W the comaratasl arbitration rules d the AAA. £aoh arbitration will be gwetaed by the provaious of the Federal Arbitzaooa Ad (Title 9 of the Uttieed States Colo) and. w the mcGaa< Apy p of that Aft is iaapplicabit. uncnforcabk or invalid, the laws er rite pate golreening the rsWionehip 6 nm and the Ranh about which the dispute arose. To Snd out how to initi~e arbitration, I can sinrpty call any office of tiro AAA, .~Ti N.-~ ~ Sli~•_Pll~1RTY CtSLLATCRAI. ~t-S 7 p~'m~ beMa no dlspttte 6e tetbmittod to arbiuatiou if the dispute corroerns ~t seCttred by reel property and d arbitration at 1M diSpte would prechlde erdorrxrnent d a most~$e, tiCn 4r secueitX itRerest 8 web ittdebtedntq unka9 d1e bolder of ruck moRgaae, den or recnrity ir-tCraaa spccitically ekes in writing to proceed with the atbitr~ion t a~~ va;w., ,^„ u~; w« oz a~ of the rim the Bak and I have voila this Ageeerttatt, shall stop nta or tiro Ha~dt loom elrereising soar laafid naMts uidnr nee ar tin Bank lute to are other remedies avaihtbie for tin purpoye of (l~ presctving, fottxlosiag, or obuinina p0saer*tion d veal ~ pagpttal property; (2) rcr ~ in g setoff and tepotaa~aa- rim or (3) obtainiss paovisiood or aaeigttrp jttnctive read sogttessrativn, attachment ~ or the appointneettt of a recernx from a court having jurisdycaioa EQeo31C (08/iOM) Os 12'7 ! 2005 10 : 18 AM hl1SCZLyAN~IS ' s ttt nnw - ins atoeaatac - and the p~rt~s - the Bsoilc and 1- shall, ta~ the esaetd fembk. tskt any salon ttetxassty to assure thtl ~ atttettratiaie pra7eoding hereu,ader is 8tdshed within oae hundred (IBU) eWys of the fllioa oI' the dis~rate with tl-t AAA. AtbiBabOS that! i~. c~tcxtd in the AtMtt 'few ~dt I nadt, at a i0tx~o~ detettaraeA by the AAA. Al] statuea~ IimaaUnm~lo bo any dittpttte shill to hny tpebitndion bt{tweat the Basic fwd me. I! a claim is propd~iy filed in a cleans or justice canst and the tenets e4aittss or jostles court has jttrise>iatiott ro t~eaoive the cWm, inchtdios ell c=oes~ciaistts ttctd aoms, thee tttc patty that desaanda atbitratiott and trwnoves the claim from the small c>ttims or}ustioe oontrt shell pay the adminlsaative fee of the AM and the feat, coats atd eaq>anscs of the aebiuiatar SECTION 2b; LOBT OR S'1'[1LEN ADVANCE CHECKS, BILLING ERRORS [ wil _ oobmal tl~ Back at the phone s+aaubet out my st:leweist ~ elsss-t*al by lath if any of a-y advance chocks are a+rar lost or t4olct~ if there art any ertore at my mpnthty saterneat, or if t suspect atry utra~ethaiaad use of my Account. The 8snk will twt rstarn to the my sanae1led advtatce chcb tilt ot1Kx advance rostngaents suer paying tlum 'I7sC Bank wi11 ar~iae avaibtbk of my advtaas citeclm and o<Ita' iaetratseats tipon sognest. I will exaarisre my Acc~orsnt s~emnt prongplly~to idegdfy a[ry improper or tsrttrasthotized amriat~ In oonaidanioo [or ti-e Battles pltytnent of each sdvttttcx cluck. I agroe that evso thota$I- t wi11 hot rttt~ive the origµtal , All time periods uttda the UttiAttm Comeeerdal Cede (UCC) for euamtnin3 my staromaat and rrpottigg improper csttries, ittchtdia~ that UCCs ~ al'limitation with raipcCt to forded, ttttautltoriae~ m miastng tddttmw~ or endarsetttlyttis, still begin frown the linos tnv Aoeaust statattast is stint or made ttvaiktblc to nu. e+trt~y the ~ s[ aw.avae a~ usets(enrod. a may ttattttfCr from my AoCOattt without my penoiasion, or if [ sttttpoct tinny ft>wdtdant activity on my Aecoctnt. t colt colt tlse Wdis Faro phone Basic at the tek~hoae ttuncbsr eft my stetemmt, tuytimt, 24 hairs a day, 7 clays a wssk, a advise my local Battle e~cx, followod by a wriligt nolioe, or write to: WeN lrsls~ Bhek, N.A p.0. Hsz 4233 Fsrtlatsd, Olt 1720f-4233 ~;~'~lBa~~, fr~,t~Q,~ ~~~~1~ MY >i1LL . ~ --.,,,.-.-r.-.~.,+ ~ -...~~ u t tit~t fay sxi »F wrong a tr t need snore smortto~att aaoas. a itsssacnstt on shy aft, i will Gaul a letter on a scpt+ntn ps~E to the Bank al soon as paest'Ide, d fife adttress listod on ttry bill. TLC Bunk htmR heat ft~pm n1e tto ktttt than 60 days a@er the Bank sesM sno t1a first bill on which t[se stapOCrod error ae~ problCtn Apptars. ! can, tctephose: the Bask. but doing 9D full! pot pt~sorve sty rim, In ttry letter, l will provide the Badt with the follavrtng infotruetion: + iNy ,tame, aaoottnt ntsrn6er and diytisae phone nwbbtt', told The dal>sr awetottst of the saspectod et>?or, and + A d~!~4o~t of the ettet sad expiaarAiott, if pos'ibie, aR W why I believe thwart is an etrar. It I ttcai shone u~rresation, i will deiaCr~e the item I tpn not slue ~aut» i f [have aulltOriaed the 13aalt W pay my bill tttstome~cally !from my •oootott, I pn stop tltc payment oa ary 3lu0ust [ thiNc is wrot8, T~ 0 Glop file psj7ncsu, my ldttt mttSt teach 11te BMOC 6~im~ days bt:ftn~e the automatic po<ymw:nt is oAaled to occur. -pc tseatt aomt ~ try tcxty wacam au say, e, tteaess tnc tieatc ass oot*ectoa tut tsror dry ttsen. wmttn 9tt days. the Bantc,msst either eorraa ttu ether or esgtlata ally the Bask betirr~cs the bill was CprsCCt. Agar tLo Bank raxivcs say letttr, the Beak centtot try to ool[cm ethanol t queeUion or report ste as dtlittquent. The Bank can contitnre to hilt me for the atnatmt I gtmtion. istcllog ~rmoc chor'es` and fire Bask c~tt apply say uapdd aenawuu a my Csadit Limit. I do nut hsws to pay any questioned amount whit We Battle is rwaatrohing a+y acoottnt, but eat still abti~ed ro psy tbs palls of ttty bil! lbnt see sot m gncstion. I#'the Tirotk Ntda that a mistakie wage tt+~ade oa my hip, [ wittnot hit to pay eery A++ancx c related to the qu~,iosed amount. If ttte Hank didn't a mtstaho, t will bout ro pay 5ntotcc ctvr~ee. tsd i wi1! have to amloe up arty missed payments oa the gtte6tioned amotad. In either else, the Hank will send tits s statemem of the entottnt I owe sad the date that payment is due. ]f T fail ro pay the amount that the Bank deterhtiacs I owe, the 8salt may r~or! me as detirttiacrtt. Hovraver, if the Bank's txplara?lioa does not satistlr me anti 1 write ro the Batdc within tan days tilling the Bank that l :till refuse to EQi03L (da(Z004} U4 / 27 / Zt)t36 1 D : 1 ~ AM pny. the Bank ntwt tell anyorne the Bartk trp~Otts to tlgtt l have a about my bill. VNhso the rustler bra been • settled bstwssrt bate Back and ttte, the Bank ttmat tdl arryooe tha~iroptt; to tbst the teglttcr 11~ boca egtk~, .U the Bards tines trot follow the above rules, the Bank cannot tallcct the Crrst SStI of the qucttiottod amount, C~ett if my. bill was coeteet, SECTION 27: NOTICES Udt~ applicable bw a tliBct+cttt mct}gd any ttoticc drat ttttrst be ro me or to att~ttarc else wlw signs Ewlrttttlces or eedoge:At maY beEtvc. by mltili it to my ate as K appaes to the Sexnttry ' ieatttttnatt, or to a diffixcttt addecas i< i have pttaperly ttaiftod c 19rpdc or that diffbrent atidrt:as. Anv notice that I may Sena ro the Batt moat be liven bbyy cnaii6tg ~t b the Bade at ttte ,dd<eaa p~ov~ on uty bitlint , ttttteas the type of notice is moos spectikally addressed in this Ap>cetoent and a d;lCc~M addrrae ig prev;tkd hct+c;,n. SECTION ?A: 1'~.RSONAL LIAHILITY fcEXA.S gpMl~gTEAp PROPERTY ONLY) SubJcct to the pro~iorsa of this Section, the Bank and I inrand that tiro Apatxte.tt evitienoe a horns egctity line of c>titiit mark ttndcr the attthoriry or Sealon St)(ax6) and Section Stl(t). Article XVI of the 'rincas Cortstittrtian (the 'old+tr Law"), ant that this Agnemeat ba secured by a lien on my haroeslead which is tits same as the Property. As a bottle et:ptity lira of crtedit made pntttuant to the Law, the line Credit is without roooutac for pusowi s~ioelt the owner and the apause of carat owner of tote ltoatteat.ad ptgp~etty, ttnk~ tlto pw~tcr or spotae obtained the lice d t:tadlt by acxwl flatd. Subject b this Followir~ paragla~ of than Section, the provitlions of thin Agraernaet~ - ' h~ ptry,r~e„t of the indCbtothara of this Agt~Cpttottt. attorney's fees sot! other axpetaes are liruited 6y We ~' I"aw' ~ if nal paid vetttn{arily, such amotutts may be collected ody frcun soy persons or partiees persoaslly for psymenc ~u~wmtt to t1-c Frquity >.,ytw, or from proeoods of the salt or the Property, or otltertviae in aaoordanCe with the !~gtuty Law. 1 intend b otmtply with sU prryvisipo; and eon~ona of the Fgttity Law in order to aerure this upon 1''ropcrty. If, hotvetrer, for aay reagan the lien of the Deed of Tntst on the `~ lien ~° i (tire "Good tN Ttttat") is invalid dwC b a stustake, error or miseepreapttation bar acs ~ saytr^e Else aig~yg this graematt (other thaa actual 1 or spy owner tx spoule in obtaining the line of credtt~, rhea the patiaa intend acrd agree that this Ittte of cscadit le not an egtuty lure of ct~t made urtdex the Law andthe mt-t~ecanse p of the E.goity law src not appiioabic, ~ far any roafoq the Property dsscnbe }in the Deed vFT~t is not ban tiuC to atiataioe, eeeot or naart~eesettatlon by tns Gtr at>tyona Noe saigaipg the Agrtaatpa, then the parties ias~mdaad agree tblN thin liar of creak is tUOt at etltoty lint err credit male tmdslr the F.gaity faw, the Wort-tooou-rsc provisiaos a~f the Equity Law are trot applicable, std the Lyocd of True rctnaina a valid lien on the Property. Ac>cnotaledgia~ tht coaspltat and wtoaq,irt ttawrr or the Equily Law, [ relpge ~ claim or ttrumges 1 may havC now or in the 1lrutne agaistta the Bark relakiag b mvafidty of the Lien err the Egwty Law. Provided. however, the petrvittit>ra of this Saeldoa are not immd.d ro sa as wan~a• load ptYC, Ponalh' or gher ptt»iaions of the Egaity Law, if applicable. Ta the talent the terta4 of this Section Codlid with atry other provifions of thiF Altteemtrtt, tl~e tta+na oC this StSCtion xha!! commL SECTION 29: ADt)>l"NDUM O if tltit box is~ I a to the ailached addesdttm, rnodit'ic:atiorts or amptdlncttta. Ea;00 ApDtiN. f0 EQUITY CREDIT CARD ACCtiSS SECTION 30: STATE DISt'IAS[JRFS t:QN13Ar tosr;go4~ 04!1712005 10:1$ AM NOTICE TO THE HORAOWi~R Do rloT s~crt T)31.R ~ur,MFarr ~ IT C70NTAlLVB H~I.ALtiIC 3lACl~.S. ~u.;, SrACiCS suoul.a slt COlrrili.iC'I?.ll iMTOltt THIS AGRSII11~dtiT IS SIGNLD~ READ THIS AGREEMLIMI' Bl~1tORt~ SiGl~i1>afG n: ACKNOWLEDGMENT 1 Maw rmived, rt:ad aad ret#iMe~ a eon d tie EquityLMae with FlaAbiliyr ~ Apseaestt aed plsdosurs $ta~tt, ASree+~en1 to i"roviAe Inlnrsnee~ tib MortpSdDeed Qf Trtust as tie r stsatris~ tYs Acesnnt, and tie 8tJ®Settiss~t Ssateeeat rnwiied 4 sse ri tie M d wMei I apw to by sib thif Ate. Irt adMtion. I ierzby aSnee tisl lie terse d tib A r+eplaeea tie terms d ssy prior oral sw wrilp~n a~prtti irclt~S fnr e:auple, uy and aN teeuritseat lepers asd PR-sPP~'sl letters betwea tM! ~tgdc and me. Thv pertles egr~a that this A teement Is subject to Md, Code. Ann „ CornnOrciel Lew 1Z-001 et se~. '~r2g--O SAMUEL C GQLf7 ~+~~ EQ103N (os~oW) 0412?12005 10:18 AM Accoam Number; 0880-Gyp-78a33~a ~ 1998 Re6e[t>roe Number: 20050~5~4005t3S ADOENDI7M 1'O Ll~ 4F CitlEDr'1' ACC4UlYT A~iRRIE><M>d~1T AND DIl1CLOg~ S?A'1'ZMMiNT (tie ~'Agt+aeeoedt'ry ~~y~ ~~^® Ct+tdi! Card Atxe»'rct~ told Cataider,R vY>cLLS FAlGO HANK, N.A. Thu addsrdntn amends, ntodities and chanpre the Agrtxntent made by the ntrdataigtted (the "f'forrowars") in favor of Wdls Fargo Banl~ N.A., dated the saute date set fexth as befoul, with nsp~ to a b~ of credit, stxatred by that certain deed of trust or tttortgaRe as real property rderenced thereia for any othee producxc natntd below alfcred by vUdIS Fargo 13anlc, N,A.; F,gttrtyL,iae~ EgdlyLine with 17axAbititys'' SntmtFit Moms t3pttity AcCOUnt9/ The undearxigned and the Bank agtxc as follows. using the wad having the stunt mcamng as sct forth 1n the Credit Cnrd Arma~ I hereby sutitoritx the Btutlt to itdee EgttityLieta Platiretm (sot) credit card(s) (tr~fetred to ai the "Credit Card" and ooitactively as the "Credit Cards") in tlw trf esth of the Borrowtta sigtsitt= below. While oar AoooutK a not in dtd'atth, closed or sttspertded, arty below Borrower may borrow tnonsy fran tho AaaouM bt use of hislher Credit Card. I utlderSland that 811 Such advances sh3i1 be in the Conn of :dvttnges On the l.iac OC Crodtt aoa tat F~xad Matt Advance(s). If my aocvuttt has a Fixed Rate Adtmee featars. and 1 woof an advance to be oortvretted to a fixod -'ak advattcn, I tttttst advise the Brertk directly in ti scpwratC OOthtnunicatiptt, Nonvithsundittgany dttfault, teratittation or saspttndiott a[ my Aocottnt, mY PnvtkgCa o#' use o[ the Credit card win tesrmittate ifand when my Aacoud move: into the Repeyntettt f'teriod. tro.+ai,ot ~rr~v Traetaetiiot~ tf you cngttde is a Irsnsactiott in a cttrtrncy other than U.S. t)ollara using the Credit Card, then vim ]nt~iottal will ConvCrt the charge a a U.S. Ddlars atoaunt using an exchangt: rate. The exchsagr rtue benneen the traasactioa CuotCnLy and t1tC billing canrncy used for prooecsing tcttch icteerrtatiottai u~tsactbna is a rate selected by Vim from a ranee of rafts twaitabk in wholesale cnrreewy tttarkcts for the applicable ~atr8) procesdttg date. which rau may vary from the rate Visa itself racdves, or the gaverttmeat-wed rata is e,Kect for tht applicable control proaassing dam. The currency convatsion rate ort the ptracesait>* dais tttiy differ ham the rate that would have been weed on tut daft of the trttnattction or the date the trant~ACtiaut is posted b your billing statentert. The Hank is not responsible for the refusal of may *nmd~nt, 6aaic ~ A'IM to honer ~,~~ the Credit Cardc is:,vad on ttry Aoooum. Aeethertsratitnu: Some cransaations wiW tht Ctodit CaN will rpgttite prior apptnvval. Them prior appr,otals are tailed "authorimtions". tf the Hank's atrthori~,tttion sYStem is not worltiaa filly or if the nnmlxt of tratssatxions cxccCds thr limit for a certain period of time, floe Ffartlc may not glut or the f3aalt may b. unable b give an authemz8fipro even through the: transaction would not exoocd my Credit Limit and my Account is in good stattdittg, For se~trity retdorm, the Beet cannot explain the details ~ how the aulhgrizadon system wttths. I agree that fire Banat will not be liable for failing to praNide an auti-ori<atlort, CCAC:REt3 ~aro3o3 saw to~oasl Account Nwnbcr: ooac~~850-79a333a-1 g~8 )~rer-ce t+}nmber: 2op50757400566 I.eN Ar_ to addation m ray ot5er abliptions to mtiPy fire Bank trgarditrg billies es!eoes and loot or seatear Advance Clrerics, f will iar+mediataty the Hank and Confirm by letter if arty of tha rued credit qrd¢ is ever loot o! ltoleut or if another Beeson has ntp Socrct CodC or Pia Nuen6Cr, if there ats nay errors on ray moatldy . ~ I ~Y unawhaiyod uie ai the AoCettnt and the Cttdit Cards. 1 apee to assist the Hardt ie dete:tnieieg the litcts, a~Cunrstaaoea, and otittr perl3nent iaforreation rdatieej to atry lass,, theft. or pt>saible unatuharized use of tht cee;.dlt Garda. U ory Aacautt is ie tt~ standing, the Back will seed mts a trey credit t~s) with a trCrv aCCOunt nurrtbor to replaos the cxedit card(s) that were lost, stolen or w~ongArtly used. Although 1 will be iswexl a crew acAOUnt numbcr, 1 will not be conaidm+ed to lave opened a new acoonea, and ny existarg balanoc will bC transfeand to the rrpiacen-eet tr~oa+ant number_ MY utattimum liability fir trnauthCrited tt~e ~ my Ceadit Card will not eecoeod SSO. To notlry Wells Fargo of a lest ar stolen Cralit Card, or of eiatautltorized tree of my Crtxfit Card, I can dither ptll Wells Fargo at the teteplwnc number oa my statetro-wrt ar at the numhcn listed below ae-ydme. 24 houes a day, R days a week, or I can advise my local Wells 1:aego oii~we followed by a writtee nplee to: Wells Fargo Rank, P.O. Box 4133, Portland, OR 97~OS--OZ'!3 Phoere tnuerbtr: l16t;.297.t532 5o~ia1 lbtilea !or Cree~t Card lerc>raaa: t~ t have a prObkxt'1 with the rprAlity of the propacty or setrviaes that 1 pnrelratsd with the Credit t.ard, and I have: tried in Dxtd faith to correct tote pNblam with tha iaerchant, t may gave flu right not tp psy the remaining amount drre on the pmlrerty ar services. There are two limitations to flux right: (a) I mast ha~+e mach the praehast: in my hoarse state or. if not in my home state, within 100 rniks of my eurerert enaitierg addre:rti and (b) The put+cimec print: ttteatt have beat more then sSO, "llusc limitations do not apply if the Bank owerg er oDtxaks tint entrehattt or if the F3aeek ltreilCd me the advCrtiststteM !or the proptsty a sctvicca, E~ccpt a5 cxprcasly mt~eerdod hceby, the AgtoCment shall remain utrchansed and in full ihrCa and effai in aecerdaitMGC with its tartns. N.orr~ TO HOlilllOw~ 1QO NO i' S[GN THIS ADD`ND[fM [P IT CONTAINS 1h'LAPiK 31AC~5. All spsces a6earid re compreMd beMr~e ya tigo. De not sign aria addeadnm beiare yae read it >ty :!gong blew, I • ~ the tlddltiaa err tAt aboMe terwa to roy Agreement tNr santt date. ~d~ B.rrow~cr s~Jt: ~ C Oal.O Drata si;esd Barrenwer Dace: Sitsoed r Dale SipN Barro~vcr Date 9igaecd Borrower Dqt ffiigetd Borrorer Dale Signed CCAGRSE io1o303 £QrflOB (0212005) VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA. C.S. 4904 xelating to unsworn faisitications to authorities, that he/she is ~~~ ~ - ~~~ {NAME) ~`'~~ of _~CS 12e ~ ,plaintiff herein, --._ - co vu~y ~ni cep L - _ ___ _ _ - ------ that (TI1'LI;) {COMPAitY) he/she is duly authorized to make this verification, and that the facts set forth in the foregoing Complaint are true and correct to the best ofhis/her knowledge, information and belief. ~~~ {SIGNAI'URli) This law firm is a debt collector attempting to collect this debt for our client and any information obtained will he used for that purpose. WWltlt 09818235 ACCT' #'`: XXXXX4138 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson ..~ '~ . -; Sheriff ,,~;., of ~~tit~G~+ ~ ~ ~ ~ ~ ~- T• i~'+; ~~?~1~ w~ Jody S Smith . ~CT3 ~ ~ `-- ';3 `; :-' ~ c::.. Chief Deputy ~ N Wit ~ Richard W Stewart ~- s; ~, ..~ ~ ~," ~--°: Solicitor - - - - ~ C ; 3 ~'~ t==, -r,7 ..,~r .. ..--t ~ .• RCS Recovery Se-vices, LLC vs. Case Number Samuel C Gold, Jr. 2012-7008 SHERIFF'S RETURN OF SERVICE 11/26/2012 04:10 PM -Deputy Jason Kinsler, being duly sworn according to law, served the requested Complaint & Notice by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Samuel C Gold, Jr. at 2001 Rupley Road, Apt. 104, Wormleysburg Borough, Camp Hill, PA 17011. _-~ %'- J ON KINSLER, DEPUTY SHERIFF COST: $43.00 November 27, 2012 SO ANSWERS, ''- RON R ANDERSON, SHERIFF IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION RCS RECOVERY SERVICES,LLC Plaintiff Vs. Case No: 12-7008 CIVIL c ° 'Z7 3 ZZ --9 rn©o x. x-7 SAMUEL C GOLD JR z rn r- cnr- Defendant <Z-- a. z C)r, a ANSWER AND NEW MATTER And now,comes the Defendant,Samuel C Gold Jr,pro se,who answers Plaintiffs Complaint as follows: 1. Paragraph 1 is admitted. 2. Paragraph 2 is admitted. 3. Paragraph 3 is admitted in part and in part denied. The Home Equity Line of Credit was from Wells Fargo Home Equity not Well Fargo Bank NA. 4. Paragraph 4 is admitted in part and in part denied. The lender was Wells Fargo Home Equity. 5. Paragraph 5 is admitted in part and in part denied. I admit that I had the loan with Wells Fargo Home Equity. The last payment to that account was sometime in the last months of 2006. The account was never used or paid on after that time. I am not sure where the date of October 25th 2012 is coming from. 6. Paragraph 6 is admitted. No payments were ever made or agreed to with the Plaintiff. 7. Paragraph 7 is denied. After reasonable investigation, I am without knowledge or information sufficient to form a belief as to the truth of paragraph 7,which is therefore denied. 8. Paragraph 8 is denied. After reasonable investigation, I am without knowledge or information sufficient to form a belief as to the truth of paragraph 7,which is therefore denied. 9. Paragraph 9 is admitted in part and in part denied. I remember getting calls from RCS back in 2007 for a short period of time,I have not received any calls or attempts to collect since 2007. 1 admit that I have made no payments to the Plaintiff. NEW MATTER 1. Defendant asserts the defense of Statute of Limitations. The last payment on this account was made to Wells Fargo Home Equity in August or September 2006. No payments to Wells Fargo or the Plaintiff have been made since. WHEREFORE,the defendant requests that judgment be entered against the plaintiff. Respectfully submitted, X Defendant S of lot -7l7 -qa?,-10% Defendant I verify that the statements made in this Answer and Net Matter are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S.§4904, relating to unsworn falsification to authorities. A.C, 1 `7D� IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY,PENNSYLVANIA CIVIL DIVISION RCS RECOVERY SERVICES,LLC Plaintiff Vs. Case No: 12-7008 CIVIL SAMUEL C GOLD JR Defendant CERTIFICATE OF SERVICE 1, Samuel C Gold Jr., herby certify that I have mailed by U.S. mail,first class, postage prepaid on this 1st day of April, 2013, a true and correct copy of the Answer and New Matter with Notice to Plead to the person(s)at the indicated. Weltman,Weinberg&Reis Co.,L.P.A. William T.Molczan, Esquire 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 Date: 1781 1