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12-7340
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ,-, ~ _ f-r" ~ t .~_ CJ f'-`t_~"i CACH, LLC ~ ~~ c-~ ~ ~, ~. ~ -~ vs No: f a ,~3y~ ~vl l ~ ~ e : ~~~~ ~ . ~~ .. =~ c~ ''', JOHN FORCE ~ ~.~ ~~` NOTICE TO DEFEND You have been sued in Court. If you wish to defendant against the claims set fourth in the following pages, you must take action within (20) days after the 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 fourth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice of any money claims or 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 THIS OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE PENNSYLVANIA LAWYER REFERAL SERVICE 4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013. (717) 240-6200 ~~ a$3 sag G~~+ ~'~~~ a~ (~k~-~# 8520 Law Firm of Allan C. Smith, P.C Attorney ID: 204756 1276 Veterans Highway Suite- E-1 Bristol, PA 19007 1-888-275-6399/(215) 428-0666 Attorney for Plaintiff CACH, LLC ) COURT OF COMMON PLEAS 4340 SOUTH MONACO STREET 2ND ) CUMBERLAND COUNTY FLOOR DENVER, CO 80237 ) Plaintiff, vs. JOHN FORCE 50 W PENN ST CARLISLE, PA 17013 To: JOHN FORCE 50 W PENN ST CARLISLE, PA 17013 No.: COMPLAINT 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 attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You aze warned that if you fail to do so the case may proceed without you and the court without further notice may enter a judgment against you for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose 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. LAWYER REFERRAL SERVICE PENNSYLVANIA LAWYER REFERAL SERVICE 4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013. (717) 240-6200 AVISO Le han dernandado a usted en is Corte. Si usted quiere defenderse de estas demandas expuestas en las pagins siguientes. Usted tiene veinte (20) dias de plaza al partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia excrita o en persons o con abogado y entregar o sus objecciones a las demandas en contra de su persona. Se avisado que si usted no se defiende. La coma tomara medidas y puede continuar la demada en contra suya sin previo Avisa o notificion. Ademas la cone puede decidie a favor del demandante y requiere que usted compla con todas las provisiones de esta demanda. Usted puede perder dinero o sus propiedas o otros derechos imporrantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSOAN O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. SERVICE DE REFERENCIA LEGAL PENNSYLVANIA LAWYER REFERAL SERVICE 4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013. (717) 240-6200 Plaintiff, CACH, LLC, by its attorney Allan C. Smith, Esq., by way of complaint against Defendant JOHN FORCE, avers the following: 1. Plaintiff, CACH, LLC, is a Colorado limited liability company doing business at 4340 South Monaco Street 2nd Floor, Denver, CO 80237. 2. Defendant, JOHN FORCE, is an individual residing at 50 W PENN ST ,CARLISLE, PA 17013. 3. Plaintiff s cause of action is based upon a writing. <Exhibit C> 4. Defendant, JOHN FORCE, was indebted to GE MONEY BANK for a breach of a written contract by and between them in the amount of $2,238.84 which balance was due and unpaid as of August 19, 2011, for credit card account number 6019181839226770. <Exhibit A> 5. On or about September 22, 2011, GE MONEY BANK sold the debt for good and valuable consideration to plaintiff, CACH, LLC <Exhibit B> 6. The Defendant, John Force, last tendered a payment on December 28, 2010. 7. A copy of the credit card agreement is attached hereto. <Exhibit C> 8. Plaintiff is entitled to charge-off account finance charges of $0.00. <Exhibit A> 9. Plaintiff is entitled to pre-litigation charge-off interest of $1.4095 per day from the default date 22.980% annual percentage rate x $2,238.84 / 365 days) or $1.4095x600 days = $608.93; which is accrued interest through the date of filing. <Exhibit A> Plus an award of late fees 0.00, court costs $203.75 and reasonable attorneys fees as stated in the Cardholder Agreement attached hereto as <Exhibit C>. 10. The defendant, being indebted to the plaintiff upon the account by and between them did promise to pay said sums upon demand. Demand has been made for payment and the defendant has failed to remit payment. WHEREFORE, plaintiff demands judgment against the defendant for $3,351.52 which includes interest, court costs and a prayer to the court for reasonable attorney's fees in the amount of $ 300.00 should this matter be contested or go to default judgment. Date: November 27, 2012 / ~ ( lan C. m th, Esq. ~x EXHIBIT A CARECREDITIGEMB GE Money C_rdhotdar Narnac JOHN H FORCE Acaaunt Number : 60181818 3922 6770 Sta[ament Ceasing Date: OS? 19x7011 Summary of Account Activity Ra t Irtf©rmation Previous Balance 52,2p3,gtt New Balance $0.00 + Naw Purcnasas 50.00 Total Minimum Payment Due 5621.00 Payrran[s p.pp Payment Due Date OS123t2011 i +~- t:redits. Fees 3 Adjustments (net) :x2.203.84- PAYMENT DUE 8Y 5 P.M, EASTERN ON THE DUE DATE- - Interest Char a tr[e[ 50.00 We may convect your payment Into an eiactronlc debit S New Ba)attt:e 50.00 . ee reverse side. Crsdit Gmrt 52,600.W Available LUredit p,p0 Late Payment Warning: It' we do not receive your 7ata€ Days in Billing Period 29 M+nimum Payment Dueby the Payment Due Data Isted abate. you may havo ko pay a latateo up to S35.C0 and yaur APRs Pay online to Free at: W WMY.QpfitOn@y.CORt rnaY ba ir;creased to the PanaNy APR aI up to 29.990',b. For GE Money customer service w to report yaur card lost or stolen. call 1$&6$93-7864. Best times to call aro YVednesday -Friday, __ tom one ur asa Promotional Promobonal Deherrad Tran Date Descnatian In.Eial Expiration Balance InEerest Charge Purchas-a Date Amount TERb11NATED 5950,00 ;0.00 10?27f2010 YVith Payment Oefercad interest 8950,00 TERRIWATED 5954.C0 50.00 01?C3r2D11 Kith Paymem Defarced interval 8954.00 A summary o{ your promotional patrcf;ase is provided above. Any promotion may be terminated H your account goes 60 days past due. It you have a DEFERRED INTERES7rN0 INTEREST IF PAtD IN FULL prom~ron: Ta avoid paying Deferred Interest Charges an these prarnotionfs), you must pay the entire applicable Promdianat Balance trp fete Pranrotional Expiration Date: On a . Fixed Paymem {Extended. Payment PIanlpronx5tlonai purchase, the tntarest Charge is billed monthly and included as part a{ tno minimum payment duo. Ta make more [hen ana paymant soa Make Payment To address ar pay Mine at vrvm.getnoney.~m Transaction Summary Iran Qa[e Post Date Reference Number Description Amount O6i19r2D1 t 081f9r2011 F9072007T0099999a CHARGE OFF ACCOUNT-PRINCIPALS 3i a±&.OO CR r36r19f2D11 08119x2011 F9072C077D0998990 CHARGE OFF ACCDUNT'FINANGE 5322.64 CR CHARGES` FEES 06r15r'201t 09?iS:?011 LATE FEE S35.OC 7DTAL FEES FOR THIS PERIOD 536.00 INTEREST CHARGED 08;f9,1201f D8t15/2011 lNTERESTCf•lARGEONPURCHA5E6 gC.tTO TOTAL INTEREST FOR THIS PERIOD 50,00 2011 Totals Yeardo•Date otal Fees Charged' in 2011 $2gq,Cp T aial 3nterost Charged in 2011 g,,,,~7-g:( Irrterest Charge Calculation Expiration Cate A+m uat Balance 5ubjpd to Interest Charge Type of Balance Pnrcontage In#erest Rate Rate ;APR) Purchases NA 22.98°,3; gD.OC §O.OC antrued cn next pa • NOTICE: Sea reverse sideand additional pages (K any) For imponant information conoemktg your account. ....c v?ti 1 ~ ., ,, 11Jt319 YUFAGE 1 oY 3 _.. t 1fl~c~ C'ok3 Oi8ii=392 r.rp Stnllei441 genroney. Calm 4C Fiflfi(3591h1i Ct1li0dY WitT yOLY'c~efk. {`'14j(?4 li%II 1}1114 Or a:.lGk RtM. CAi'~:1'~dl'~ Tote) Minimum Payrr~tDue .Past Due Amount Payment f~LTate New balance Accourtt k&imti~ 'S821.fl0 SO.OC .9123.@Of1 _D.00 8~19 189 8 3922 677p PaymentEnciosed: ~ ~~~~ ~ e ~~ New address of eyrmil7 Paymelrti due inrludr;vs C.pO paW duu. Please pay Iho past duct amount PROMPTLY. 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HYpA7VRDAYG 1tJGR9WM.ADDI~SS y0UAt8g7C~4£9NrYL C171NYR.Md4fl7M/A~(lflOlRA00.7l~NTANDAL9D(AirE txnusrolvt,ReNax.AOOras ro 71f~6gt8i'tIBB?WY77P1iD1AtX3?7i:DAta.8fA0~lNUt3 waROaru l4rlableFate Infamatton: Barry d yawAFl3are wrtable, that AR4wi wry with dre rnarNet based on the FTine Ibte Cardholder Name: JOHN H FORCE Account Number: 6019 1818 3922 6770 Statement Closing Date: 08/19!2011 Interest Gttarg~; Caiculati+on (Cor~tirtued) Expiration Date Rnnual 8atance Subject to Interest Charge Type ~ ~~~ Percentage Interest Rate Rate (APR} Witlr Payment Deferred Interest TERMINATED 22.98% $0.00 $0.00 With Payment Deterred Interest TERMINATED 22.98% $0.00 $0.00 t'ardhofdtr News 8 fntormation Your prornobon(s) have been Uerminated because minimum monfhty payment(s) on your acmun# vrere not paid when due. Interest Charges have been added to your account, aril non-promWbrr~ acmurrt terms. now apply. in order to protect your account privacy; we are unable to provide aaarnt inhamaticn to arryane other than the cardholder(s) or an authorized party. M you wish to permit us ~ speak to an authorized Partystrdt as a spouse about your arxoum, please send written authorization to the General I uiries address, 5303 D3ii 1 5 20 il?814 ZD PAC@ 2 of 3 3071 180(f C6D3 61 @J5302 GARBDtGDlT1(3EiMB C.atdlolAx Name: 1t)Ht~C 1f3~dRGE ~E ~OF12~+ N~m6eF: ~:9 113ft2RD107A ~8 PnnvWoa$aLooa SI923:00 31:bfiD:.iNO'. + IVewPuolusec 3b.ro Alioidoltu Paymeut'!'hial4tbd 332,00 PaYae~rta SP.uo Anwept Paei thi: 346:06 +/- 6eWr~ tots & Acylcros (oet) 337';00 Tcta1 Ntofam~ Prymeel Dae $7&06 +/' (aleaW..... tiel A0. 14ymen Dm Dac. O1f13/$p 1 PbwPafOnce 31 (160,OD` PAYIMFXF[K1E 8Y3P.M.8ACt'is~TCkiTlRt DCtB.IkITJi C7editl.LeYt 32.600.00 Wemaymaatya~ptymseYlidoaltek4iuiirdel>b_ &te Avaitalie GtxG 3134U.00 Fe'eltt9itla. 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DD Newad~Yew ore~il7 Paymmt~due imiadRS~4G~#,reOSa PMippepy lhrl~Ar~le#IOiktot Pitali~'t'LY. ~.~t ~~~~ CfyauodSP+yieTetdMfi~mlT~ci/auf~P+Y~Pe&omtloeaPNreheaeby~61e13cphatlmt7lde: rmt ch flPA'7FDRTt7C[Ff?UADAFPATAA!'7'iA'RID712TF11'QPt'AtiD'CFf PF~DDAI?AAD'f ppAFA'Ct]06T 1Q9PTR t~CEE PO1k(7!F 779 hfalNT$6°iNEL'PA 183430179 tllelee Peynie+t la GE B4gH~2EY l1.4NK P0:13FVC %0061 tIRLAM1o, PL 3?896.6061 ATTODFAPDDAAI}7FATSDDFfATIT17DT3'R71DDA~DDDFC.CAd"DH'FAATFCA AAAA'II7F!tD 00078000005283 0007800fl0106000 000:6.01418 1639226 770.52 t~tmrer SerAcalCjneatiraaa:t?aratxcuM lotattnatba, Abate ralltlr• trtlsee xtoaiber oaths 13aat mlldt uurapn/. Uabw y '. muse b 1ated:aa..this anatemetNyorl rcgrar b iattxamtlha on the as sweat nay brllotted. lba tmy abo mrlgaattfoga 1tnt. :, pagtmmekaPA:Bmt481131.81Pa3a;7yU999B-I I lt.pieasiacb,~ youraccoonxnumberattnyaoneapoa~aceyuasaad.IOA ~IPaymeats:. Soml paymaataro-ales adtbcas tYed. or the soatttaoce ouupoa paribn gf'thb a4bmatU or'pey oni've Ayttseafa; peymeatautmot be made biprnnn;.vtatpsyrneves to s>E Mtoey 8aa1c.140 Wrkka 9prb;r 1b e bebw6r YmrHSarNtifb aadtit4er it~utfaet trlxteatloa4ltahcsLa abom bllate rmrs wOaoturott Pnrcltaeer,teltgaaaad pilylaeels'alstY }utprior tvbtliy date may rtxappear smtt rows movta't atateate at. We 2 salve doe rttbi b ~taht paymealtbitCatdasly foraoy check a other loafimrem that you rsod a to 6y itlatbit+o A4i pkcmmb)debit in tlc aoraootttfytatrehackorblltatate}tt myour acawot.ltinrchectur lratratae atwiaxx be rata pyon by ale your baoL lGu brnk:accatM may be deleted as ea dy as the acme day vre aemhr yoar papnteat. lha may cboore »m ro Lave yoar paymem: aauaated ebsxroakaiy by seadltrg your pay meat (wah the tn»ikueoe coapm). in goer own earaiope ~n~_ihe encibaed remittaaoe eawehlpe.,addts afodto: PD Boa 33096D,At4au, 61353-0960 ao d notihe pa yment addttan: What '[b ib M1Bn dale 1hn' [iqd AMruhe Oa lbnr State meat:.ltyou tfihilt tbee ix se eror m yoar siatesenl: wtte'to Rl acGfi hllmeyuadt,F.Q Bai 981431, E1Fato,'IX79998.143t.Ia yoarkgergfie nttae bbarktt Ybrmatfon MCaRtM4usatde: lbrr aaaaaattdaocaWatmab0r+~tetaraomt:'8teda4rarmvetofrwmr enor.tla ar reef~attthhkthrtesari ergruayonrhti,.detctiDeirhslyaq ba ttrKllw aodaahy yea berivenba mxrta4.lba ac Eau wtb3ad0 daysabtttia erttx appppeeamd mt your atataalam.lhu rrtuataar stagy polun}alagoo y~q~by. leatr ma) stn s, bat Yyor do we ae net mquhl"d~tp iDve^tifttip tgR~fiatsa dal a mn and you may have to pay the ambwt fa gap~tlor. P hle wa hlVt r[~ c rrhathe r ornDf tltetafissbasaaaetrm,tbe fottiarmgaa; tne:.VYe casatlt try to coiaci the amomt b qu talon or rcpgi you as sbrlotiupnt,m thit atttamt.e'4ecbartelatparsWam~ayromtitptyaakabmemaadactruycoatinarachartayoupyaataatlrt^ugmFBat.Y we determca flat vte leads atotbtale, you taOtlat hate~u pay tba amswm h gasaWa m a a7 tltemst a odurtbes elated to chat araouat:. iVhte ym da got masts pparyy tba-axtwttm bqudtioo, You are ~apaoable [Drake a mainder ~yoar balance:. We can apply soy uapaldatoooataplastYodtaaltiimt. lour Rgbts ! bahmiliesatia[Yd. W#Y~ itirrCreQit t3rd Pau.•6 aaa: Yyoa a e diesatirSed wah the 6aads esaarvlceatirax ytmbare pgECtmradxritl~youactetltcttdandyoghswttkdtaggadhihbcorectthe ptobbmwibtikaxetchaatyaoaoaybarstperlabtaot wpay the retrniaittfatnotnttdeeoa the as.7b nos thin t,alottle bfavbt; ittaat be laxa:l)'fte pnrchara atathave bees made b ytwrbomsatate orwthhr 1110 ttilea otyonrca aunt ma~ addteaa,and t1r parxf ass puce mate t h a.e been lawn Eaan tNt tPbte:Netltaroftllwe am.begeaUry Yyoat puslase was hatedmu idvartlaeraeat we ma led a ydr,orYwe own the coaoparry ihn[aoU77Wi d~te. Dade aaervTcEa.)2)lba matt to ve uaedyorr t'r~cudlbr tbs}~Pun~aa. AtQhaaet srds w•8hcayl advagcaa tom. Wf ANlorwa~ a checkttuI• ccerruyouremdteacd accoumdoaotgoalty.3)16a mat act yelherafu~ paxdlbcllu pa eEWe. falefWaollarb ehosr are metaadyou an ass shsr ttlated wuli tM -ate.cwanct ubbwa3 at:PA.lloa 461a:Tt, Rw.3JC 'M998-TJ36.~frwrYneatitate.tbeumetvbcaPp~athediE amauoaaaditcuaradabow. rwe6t4ioarhnsa[~atiaa, watvattetyaobaiilatirbn./u thatprta F. Ywe m iokywowe as amamttand ym donotpay we aaa y report you na tl6btgtntot.. h~brioatioo.Pbtnn psymsm r: lbu may pay mom than the 7ota1 Mnhwm Pay>tA et a t ^ ey time lnyaaeataratxRrd aler3tlu PM 837)w'aaydaywtlhataldbtdasdthaopddayyt2esflbyouracswuntmay bedeYystdapaflreda~aAvaymsal4t)titatatmoisadat lhepaymaetsddesa,bl$•aotmademUSdelitadravraonatlS.ttoantalnalltatloa6catedNthe S, ttataatwmpattld6ryihe mntutantx mtgratt eluded to year rukment, (d)oomaios more than sae p ^ymml or tetai[artcr mnpon. p)ta sot ecetsttd Lathe te>~gneataeJ,pe praridad Q ~xoc W es rhpla. paper dips. tape. t fo~Uad check ar waASpor deacr Deny type; BUfJfO~a: Nl wallas anma[aiataaona mnsr stag ditpmad anmats,Ycbdhag soy check or other payment netrameoe tut"Q) ndtattlc twtllrapeymeatndtpYtataa piymeal in RtKbr istaadeed ar tilaatiKsctba ota dirpakd amount, alp k tendtutklwfdt ktthercobdbbaam'YuhatiaftstliapntedYaynenn;'~oaurtbe mnie6ordetre rrdaas atP4 Au96113B,B Paro.7X'N948.1436. Cbeditato ~avMmaar[aAa:amaantxhawo wah a Qtneatto the amraam isa cadt orcaadt bahnce anbm ot5rttiae_todkatad. land@awilk apptadloywrptra.ioaabalanee YoanedYte$upoa teiaryt,butwllaotna[sry any negnhed pay taeMtlmtlitty be doe, fibpbane hbaimxiat: Rtrqua fy cmttnl purposes. Yon perms ua to tnten to sx txsad tebpboae nQ be.Manym and aaa.. CSrd@Reprtsard Aroougt 6iorm^ [loo: [yon beaeva tltat we may have mparted raccona Yb+maibaabogtyoutea.eans~ea nepartbgagettcy,pfetge enrbctutal P.O.tioxRU39,)d Pato.TK19iF4&t434.bdattg ao.pWtae idb maXBta Yaiauumeiolorattttwt sad telasxeby yogbetevekb itaoneu . Yyoahave a mpyeithe aedltarpon that be Wes tae ieaccmatettbsmatiea,pbua elide a cilpy ottHY;~qft, l('i may roporlbl0tmW7o abort ycnu OeCOUO t b cgdt bum our. tale p ay mean. mkt poymatxs, os Aiken defWtsoq~yoeraaarnmtmay ~ refbcted hyatgcrexhta~psrl Virwhle Rste it~esclioa:I say d y~..APlttaa aitrhbr,xbat2PR.vrf:vary wnt the madar! baa~:oa tlc Prtme. Rste. ifuw LoagWilftkeltaahy txate Appfy7 tEquixi9plGarR4arasedbecru7eyouotaNf:'itYx>u7mmtedeAmarlay APRwiltpply antll yon ma1z sht:wuntt&eaiitim~mpaymtntswbradna. Flow We ChMtktetaeabat:Yde umamatktadea~d ~alyliaYttcalloioa:bfbt6tycer Ioarhtbfstoawtneharged,breaahbafta¢ type txi yore acccuat we fl6ma the voanat eMrge m ar aacotmt by applyLg tda-psdmlk man to the 3aaly baLrrcr7oPyaa acrwaet foreadtday nl tgeb t#itg cycle. Aatrpam c sbeteace w6 be aknYU d for the 8e8prt9~ baLace typei.ac appttsbts:- pmatiraar, baLau ttaadas, Dash advances and oIDa baltacea that are attbJect b d6wat rAtaaeat tab>,. Atom or s~dal prnmo4ons.Ant:vte dpletatxbe the 5laiy baYna~7b de termhe the daib barxe,we Ufa the baghdlgbalace eachday.adtl say aerv cbatgatt and tea psracd thetday, sad aobtsa mrr pay>uMa inG cndaa posted abet day.'bfa tMar ua the dad bab»ce, Selmd,we tLletdek the amount sdinfece st skate d.'Asb piie..rc mW bly iha appitabb daily nu by eachda ty balance oo yore acwunt.'Qtid.amadd th Yteae rt aaoumto ®trdab Miatace.aad Ae somailbacome the ~aia¢ MY to for aloe tl)Ibwing da}. llrrrioteeaic yr:fm the buhWst cycle irthc armror ekaatrmttamowisAlalwsmchartaleac day tkrg thebilirg cY riebreac hnls'aaelypt.p4 the ~r a mthemum ottl otvtt re st Y anybfk8oyde b which you owe Y tarsal. Pa yisgtrteaeu: Ytar doe date it salsa at 23 day ultmtha e4y afaschpNae cyrNe:Yye wAnal s9tatge ym ary stalest oo pxtrcbaae s if yoapayyoere atie ba Yna by the doe date each nnmh Wegilbe8ii charging elate at oaoaabashancet ^n d balarsoeUatutfls,if apptcable,oe the. tatnaactitatsn te. faotrcpuy Nattnrr.FymriM banlavprcy }roq ametasndtn nothe,L-.aeootant namberaadau iMortttetbn roetedto the procce ding wttie fniawhrgaddeas;t$Maeay~(c..Atm:l~ai¢E~ttro. i2p4. 6n:1031 t16,ihwelttk.90i)Tb: 16araeconotiaownedatdsexvltedtrydE.Gimnygaril~ fortaoaaplate-.bruuatxi.ertodMbasofytruratxtwnt.caaaullyuut4ot~ tard,l~reamero. Hen sag hapaned'RDuaers fall 1-87'I-448-&S 12 (]H9~-8-rtl [Jae of$dornsuiosAboutlhaaad Sbnr Aecoam:QcP'lvacy lb deaottlecaacatxatoaaaddbcbaue dietormatioaaboatym sad yore Aocaun, f yoq worts Soenothar aapy nt die Prbacy PbACy; plaaa eat ua at ®r. aaalomar rarvke Yiepbuee nueaber hdtald.tntthefan oftbit atatst~ttx. '!!m is an atretapt to Catect a debt nod any iobrttutbo ablakeeQ wttbe s:d/ar dtatpuepac. ty PeoaWtaBa teteplinne «amherm mmyy asxaouat,tconaeaa to tl?Abney BtakaW aq other owsar or eervtsr o3 ary acwunt Wakctlat me abau my nccgaat.bc hdla8vebg eo-y etratactarfargaipo orceta60oe aamheraiprvtld-A4d kmaeat to thpase of sry auwaaa tt tab~rar datfe8 flcttaa aadbraaatt~tYlormrecaalad wta mcoatacaat tarr,e renifiam etatgad brtbeaa lmderuyphomp~taa. For ehaagea-ufaddcra,phoate tnxmber arrdroremaq; please rbeck the bmtand pdm tlterkangrss 6abw rir rttli ue oa-heat gwa a..~.~nrrse-?,esat~. Plan ffp~ Adtaess 6ma~a iIYPPC1V6ZiG YIUR HdA6.dD[~S.1aFTa1ER8r'RY%~VE6ErGl'tABfIyP'1t1LRxxC~D1!'.ki3t[9UCA5E POtYS.474E?~'1)u°fyPR[Yt$HAIR}!dli;A13t7!'f'l~'R'd~1.EA1HV AP85[xltCA1Q tkr~altler Nm:.. lO1ffV HfrIR(f ACanp0.:Ntmbac 60191g1Y39x2.6770 tXtleeetlC Cliosbtg Otte: 12`21/Zlliti 1t tfi 'fi #- ~ - - -_-;'ii-.-~+~i~_'. t!t 't~tt ## 'iru OaE Pmt DKe- RePaa~s Naaher DestTipNee ADeomi iNIfiRSST( r72?/ZOIV IJZL~l9 INI'ERFSf C~LlI1r~UON.PUfEt]iA5HS 59,aa TFyfAL 1Nf11REfi1'ii7R TiiS PSIfOD S(1.00 ~~ ~ $~ +~+s~ii i ~ ~ ~ . _ . _ aalr~,ecantigeetn~nlo tiitltl ot~ll~o.tcais~llaztno gliao "CYPeae Si~atbn~pe AesW BWaa~hjeetts rptwettt5~tye Paaelye mtetmxre wlte tA~3 Ptteh®ra NA 32.97:% g14:4H. f0.A7 R'It6Payntentgeleetedretsea OL2Y3011 23989E 5+x;04 Sd:tY9 1WthPaytttet0lkfeaedlnllta6l 11 U2 1( If /1.i 8 ~ 2 29 597 .1 6 5 ;0.90 ; ~ } ~. ~~ ~ ~ } ~}} + } } .~ y.~y ~ll4~M~Fi~f~N 4i~lM+~~i+NM~H+l4l~~~ 7bie aotloes b lat,S}W 1410x abotN pteetotloaai flPtucleg pkm tirl my ~ wtdYbY for you when ya tee your cW for titaC puehmc NtxhlfptnsoiF6eyriaYwsl4sw~niVhleatevmyCLmaedtpmridar. ThBlacdyh~oftey(csWc Addtimd 4tuasad eant~est ufpromtlcWrl ~iwodgg ¢~ wut be-ptovYMdtD 7'a'h'Y~ f'utCredfipraeidrat me ihns et yottrttaroac0es. fbr purpwet of the nttdetidon yutr Purdue APR h :3.8894. tt ~Iw APR ~: ~asiahle, this rue va1a~ ~ih tte aa&et hueda t6ePtime fttie. No Mtewelifpaid W ithla Ptomaiom9 Petiad (iLeibeW be' dYenised as Detenect Lust p,opt9gDta~ T1ra ism iatr~ei oe the pvrhaas M is piid is-Potiby >de'ed o56r p1amDUwripe[bd. H'ma pvtDbm ib eot psid is14tHtri i III[ fl(Bi tplMeY-A~ id7ae ltod le ialpoaed:9+tiq t11edN! Ot ptirt{r11a Atlte. Pa~itae APA'. free shore. 7Llspmaottnn nq ~ be otfata~dtor petiDic of b,12.18 ar 31 moaellta Bled lobesP~artWu wewW+sae~.amY~P~sdrdawe4rate'ot 14.9of~APRAtNgtYeR~°P~9siateertls per~ ytteteAe`Nbewcteed~the PgehmAFB- xenabeve.71e1cpmmdlmtiwybaal~tvdfapdiedcd~ 2b~~or ~& H yon naive. a chmgS etamttatke ~ dungn yDtr etrtasla,APRasQ. Ltr '47ecmtsdfktlvnbefwe6ednaof youPQTllaa,thtpewPutdudeAl>HtMil Mahe ~ P~cLnehYatoaiddtdla yotraDDOmt. Pieete keep ttas for yoarecori. ItyovhmanS4edioatiFbmlaitaieFWtartaaK;bevkeaPmber~evtaaDyou auieateai • f+iM~.~ •t + tfitMF ~.: 9-htt #- - ?+-+ffH~#i^F4t• h ardt to ps>tectyoa t~ant -psisaty, aa.su. unahk 1b proriA a~8doDCMgDa Ibsnq!aae Dlher IhlBrtihe titdNil~r(H pt m au6aried prq: g qoa adch tuPaalR m mspealc~b~twsxthalsed pury sat! ae asPwr+beotyor asoo~, place caort vaitlen.adhartaNaratvshs:Cknerathnq~igfsBgteM PAYMEtV1'ONYfNJR.At30DUNTiSR1~U1[~p. CAi:LI-BU9-24Z-?~B 5301 DFEI 3 7 ?0 1D7?11 D:PNJE ? of 1. "9072 18e0 C6D8. O7 R.1b302 " 4t~fitt}f}lM~tt#~t'tt+f'N"#tt#!#tMl~-ttt'ti~tt#~t#ti 'The Polbaviag is aa¢mpery aPCiomg~a llat••ue bHegtp ~oanasllat ler¢le. Poarmore idollBdio6 P~ tefet b 6e.Impn[I[uT NaidE.¢e tgbh QleataaemaM. ChaaBen'niltP,m Pay~¢1 t~EC wM hlldr¢um Pay¢le¢l hecameePCedlge~0¢/IO(tl. Ym hax tde Itglaiu aejecT the. We.Payaleet l~edlante, talrssyw bxansawaetMa 60dgs. laic u¢ yalr accaah. Fiupeuar.lf Yo¢do t~ect:NTe .yoalrm ¢d tie'ahb to a>b yottraeeolai: for¢awTranwai¢nsmdwn tar~rRthm yw8ssmy a>a.T>~ryyar~d.Ylmao iere©t'Me cpby c~tIIit~us ~ 1-836-3.~D-6rEtT a~vlttt¢g b is tc~3~bioTSy Bade. V.Q. Bce[[ 9i1 L2T,T'~ Van, iX 74179SF1 TT/ tlefne tl1asP>ixths_dYte. t###ttf##!t#t~i##!!tt#t#~.### #!. t##'!'.. #t#t#t#ttt#1#t#t#tt4 L.ma Payment Fee tYPto ;35. Mi¢immPaybe¢t. we are ap:.rdiugyout Mdltmm PryIDeftlT9Y4egaNeroP S25 or3.3S%4 yar New Bduw;e. 171a¢Bes to APRs doactThed hetowata dar to tllaaga~ lpatl;eion¢!tb¢s: Ttia dimgoa below aill impacT'yotr aaoaast as fo8ops: --cl~_.,:..,.n,..a:.. m MrrTT - : Ab ot02l2.Tn P. ehao~a[a APRs.. below xiti ypry w These ~~. 'rti~mni.na m..4.eu~eu trfnn..MM7/Il :Cmt¢i.APRawBlcoLLbple be~lyblhea6 tlsasaaiona -r~r4Tni~l~b4lh==8 ~bQ - :. i>t thia wti..c~b~c To AYRs tt:.acMbed below Kall laA ao T¢TO #6ecT.Y. tbia tl¢le.lllpa tllalglS Nin•~p'tnlo dftilx~wb~ AC tlYlli~ APR.no kayer npplira n. yur a~camt APR fM PtTthaes 2b:99046'. 3Mi APR WilYaryMTA eae.a>aa><a baaM m":$le PrbtaRafe. APR fM CHell 29:99T19F AAvrces Thh APR a81 vary wah 81eaw~kel Aaaed m the Prlmai~te. 29.99D% This Al& wlll vary q~h'ilemxlcetbated m IdC Ptfata.Prz. Pe¢iVTYAPRa¢d 'ITiaAPltrnaybeappNedt¢yWracewnT~Y¢¢ 1Yhatt it. Applies ¢Rloe O ~lq gaYmwl Flow Lrni•:pJiffi the Panali~ APR.AmIy? IP"yotr APRs aR inelssxd 1x ~dTglm. dle Pmdry-APR pill ,ply mtri yoe mate ps wawaalpe tl~amun paymenis ales d2e. , 5303 ¢en i 7 2¢ 101222 '.¢qi(7$ 1, of e. '4e72 za03 CPo3 o2R~5?3a EXHIBIT B 856/747$12 ti~l+k~4 14-7 ~-411 2 ~2 Par value peod+red and m !l~Ilblr ~pp8lder+lim of tLe m11b1Y~ ~ 9~d oaaail~oro ett ianl- i ~ Forwetd FJ~o~r Reociyebt~s PM,u~~e J1~eemeot ~dx "llndrw A~ivat"~, dNddd ~ of O~eia~er ~ ~01p by eodd bei~rdtio ~3enarel ElogUc GioQporalio~ t ~~tinarGB ~a~ Brrltr a ~de~l nN {edlpedv~ "~dlr,~"') and G~f~H. L~T~G l"~~'f, rLec~eby ten, wllr, aoawe~r, . and deli~ae to Huiy~er. is ~ end atn~. wimait>7ooaa~ na ret du1lt iod~e Pwtr A~e~oent, oa ~ ea~tedt c~ ~s bap, +ha RaSeavablas ~ eet dam is 16el+lo~ifiwiim F~ [~ definrd m the Ploraluse A~, delitKe+ett b~ 9e11er roa r as each TYarafer ala, cod as ~ttldx dew;ri6ed in d~c ~+~C~re Adc+ee~n1. (,eel Plect7~c Capibl Cgrporabca ~~ Glare [+~iav Til]rt: VP ~iE Mc~y Aenk Glenn dim n~ a~ nff p~ Fl~r~dinp D~ F+,~ flue ~ of P~ho~ Rrk~ ~laoou~ Focbar ~x+d P~rlae 91~r1111 ~2~6fii 125895 AFFIDAVIT OF SALE STATE OF: Minnesota SS COUNTY OF: Ramsey BEFORE ME, on the day and date set forth below, the undersigned Notary, being qualified and commissioned in and for the county and state aforesaid, personally came and appeared Karl Drenth, who being duly sworn, did depose and say: Affiant is a Collections Operations Representative at GE Capital Retail Bank, issuer of the relevant consumer transaction credit card. I have reviewed the information below regarding the debt 6019181839226770 (the "Account") made by JOHN FORCE (the "Debtor") made payable to GE Capital Retail Bank and subsequently sold to CACH, LLC. The amount owed on the account on 9/22/2011, $2238.84 was sold to CACH, LLC and is reflected in the system of GE Capital Retail Bank. The following statement pertains if the debtor referenced above is a state of California resident: I certify under the penalty of perjury under the laws of the state of California that the foregoing is true and correct. A- Executed this ~ day of ~ ,2012,,- j; /~ Karl Drenth Collections Operations Representative Sworn to and Subscribed before me this ~~ day of ~ 2012 ANt01NETTE MARIE MITCHELL Notary ublic Notary Public-Minnesota ~' ~ E~tnas Jan 31, 2015 My commission expires: f 3 2DIS Version: 1.0.1_AOS_06_06_2012 - St. Paul CERTIFICATE OF PURCHASE I SHANEKA BONNIER hereby depose and state that; 8. I am an Authorized Agent of CACH, LLC, a Colorado Limited Liability Company. 2. As such, I am authorized to give this Certificate, and possess sufficient personal knowledge to do so regarding: Customer Name: Original Creditor: Account Number: JOHN FORCE GE MONEY BANK 6019181839226770 10. On or about September 22, 2011 this account was sold by the creditor. CACH, LLC is the current owner of the account and purchased the account for good and valuable consideration. Date: SEP 0 5 20r Sworn and subscribed to before me this day of ~~;~_~~ 2012. / ----- otary P lic ~~~ H ueFq Q ~p~A~y•. i h• ~•• . 'o ~~ r l~'('V lJ ~..J VO~ ~`~S~ ,,~„ r;,m.-~lssio~ Fxplres02~0312014 ~~ EXHIBIT C GE CAPITAL RETAIL BANK Keep For Your Records SECTION I: RATES AND FEES TABLE CREDIT CARD ACCOUNT AGREEMENT Annual Percentage Rate (APR) 29.99% for Purchases Paying Interest Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest on non-promotional purchases if you pay your entire balance by the due date each month. We will begin charging interest on promotional purchases on the purchase date. Minimum Interest Charge If you are charged interest, the charge will be no less than $2. For Credit Card Tips from the To team more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board Federal Reserve Board at htt~:Ilwww.federalreserve.govlcreditcard. Penalty Fees • Late Payment ~ Up to $35 • Returned Payment ~ Up to $35 How We Will Calculate Your Balance: We use a method called "daily balance". See your credit card account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your credit card account agreement. 183-954-01 Rev. 10!2011 SECTION II: RATES, FEES AND PAYMENT INFORMATION OF THE GE CAPITAL RETAIL BANK CREDIT CARD ACCOUNT AGREEMENT Your Interest Rate We use a daily rate to calculate the interest on the balance on your account each day. The daily rate for purchases is .08216% (APR 29.99%). Interest will be imposed in amounts or at rates not in excess of those permitted by applicable law. When We Charge Interest We charge interest on your purchases from the date you make the purchase until you pay the purchase in full. See exceptions below. • We will not charge you interest during a billing cyde on any non-promotional purchases if 1. You had no balance at the start of the billing cyde; OR 2. You had a balance at the start of the billing cyde and you paid that balance in full by the due date in that billing cyde. We always charge interest on promotional purchases and their related fees from the date you make the purchase. You cannot avdd paying interest on promotional purchases and their related fees. • We will aedit, as of the start of the billingg cyde, any payment you make by the due date that we allocate to non-promotional purchases if: t. You had no balance at the start of tl~e previous billing ccyyde; OR 'L. You had a balance at the staA of the previous billing cyde and you paid that balance in full by the due date in the previous billing cyde. How We Calculate Interest We figure the interest charge on your account separately for each balance type. We do this by applying the daily rate to the daily balance for each day in the billing cycle. A separate daily balance is calculated for the following balance types, as applicable: purchases and balances subtect to different interest rates, plans or special promotions. See below for more details on how this works. 1. How to get the daily balance. We take the starting balance each day, add any new charges and fees, and subtract any payments or credits. This gives us the daily balance. Debt cancellation fees, if any, and late payment fees are treated as new purchases. 2. How to get the daily interest amount We muwpty each daily balance by the daily rate that applies. 3. How to get the starting balance for the next day. We add the daily interest amount in step 2 to the daily balance from step 1. 4. How to get the interest charge for the billing cycle. We add all the daily interest amounts that were charged during the billing cycle for each balance type. We charge a minimum of $2.00 of interest in any billing cyde in which you owe interest Interest, as calculated above, is added as applicable to each balance type. Minimum interest charges in excess of the calculated interest are treated as new purchases. Late Payment Fee I We will charge this fee 'rf we do not receive the total minimum payment due on your account by 5 p.m. (ET) on the due date. This fee is equal to: t. $25, if you have paid your total minimum payment due by the due date in each of the prior six billing cyder. OR 2. $35, if you have failed to pay your total minimum paymenk due by the due date in any one or more of the prior six billing cyder. The late payment fee will not be more than the total minimum payment that was due. Returned Payment Fee I We will charge this fee if any check, other instrument, or electronic payment authorization you provide us in payment on your account, is not honored upon first presentment We will charge this fee even if the check, instrument or electronic authorization is later honored. This fee is equal to: t. $25, if your payments have been honored in each of the prior six billing cyder. OR 2. $35, if any payment has been dishonored upon first presenhnent in any one or more of the prior six billing cycles. The returned payment fee will not be more than the total minimum payment that was due. Minimum Payment Calculation Your total minimum payment is calculated as follows. 1. The sum of: a. The greater of either. (i) $25; or (ii) 5% of the new balance shown on your billing statement (exduding any balance attributable to any special promotional purchase with a unique payment celcutation); PLUS b. Any past due amounts; PLUS c. Any payment due in connection with a spedal promotional purchase with a unique payment calculation. OR 2. If you are charged a late payment fee during a billing cycle, for each of the next four months we will make the fdbwing calculation as long as you make at leastthe total minimum payment as shown in section 1 above. We will calculaterf the total of your payments is at least equal to the sum of the following: (A) the interest felled on your statement each month, plus (B)1 % of the new balance shown on your billing statement each month, plus (C) the late payment fee that was assessed in the billing cycle before the four month period. If for the four month period the sum of your payments is not at least equal to the sum of A, B and C, then your total minimum payment for future billing cyder will be the greater of. • The minimum payment celalation shown in section 1 above. OR • The sum of: a. t % of your new balance (exduding any balance attributable to any spedal promotional purchase with a unique payment calculation) plus interest and late payment fees charged in the current billing cyde; PLUS b. Any past due amounts; PLUS c. Any payment due in connection with a special promotional purchase with a unique payment calculation. We round up to the next highest whole dollar in figuring your total minimum payment. Your total minimum payment will never be more than your new balance. SECTION 111: STANDARD PROVISIONS OF THE GE CAPITAL RETAIL BANK CREDIT CARD ACCOUNT AGREEMENT a81~UT THE tREtM t ACCCKlwlT A(3R~HdEKT This Agreemerrt. This is an Agreement between you and GE Capital Retail Bank, 170 Election Road, Suite 125, Draper, UT 84020, for your cedit card account. By opening a using your account, you agree to the terms of the entire Agreement. The entire Agreement includes the four sections of this document and the application you submitted to us in connection with the account. These documents replace any other agreement relating to your account that you or we made earlier or at the same time. Parties To This Agreement. This Agreement applies to each accounthoder approved on the account and each of you is responsible for paying the full amount due, no matter which one uses the account. We may treat each of you as one accountholder and may refer to each of you as "you" or "yourr. GE Capital Retail Bank may be referted to as "we", "us" a "our". Changes To This Agreement. We may change, add a delete terms of this Agreement, inducting interest rates, fees and charges. Special Promotions. The terms of this Agreement apply to any spedal promotion. However, any spedal promotional terms that are different than the terms in this Agreement will be explained on promotional advertising. HOW TO USE YOUR ACGOUNTICARD Use Of Your Account. You may use your account only for lawful personal, family or househdd purposes. You may use your account for purchases from dealers/merchantslretailers that accept the card. You Promise To Pay. You promise to pay us for all amounts owed to us under this Agreement. Your Responsibility. Each accountholder will receive a card. You may not allow anyone else to use your account. If you do, or if you ask us to send a card to someone else, you will be responsible fa paying for all charges resulting from their transactions. Purchase Limits. To prevent fraud, we may limit the number or ddlar amount of purchases you can make in any particular amount of time. We also may decline any particular charge on your account for any reason. Cred'R Limit. You will be assigned a aedit limit that we may incease a decease from time to time. If we approve a purchase that makes you go over your aedit limit, we do not give up any rights under this Agreement and we do not treat it as an increase in your credit limit. HOW AI!a Wt~lt TO MAKE PAYMENTS When PaymerHs Are Due. You must pay at least the total minimum payment due on your account by 5 pm (ET) on the due date of each billing cyde. Payments received after 5 pm (ET) will be aedited as of the next day. You may at any time pay, in whole a in part the total unpaid balance without any additional charge for prepayment If you have a balance subject to interest, earlier payment may reduce the amount of interest you will pay. We may delay making aedit available on your account in the amount of your payment even though we will aedit your payment when we receive it. Payment Options. You can pay by mail, online a at certain dealers/merchants/retailers that accept the card and payments. We may allow you to make payments over the phone but we will charge you a fee to make expedited phone payments. Your payment must be made in U.S. dollars by physical or electronic check, money order or a similar instrument from a bank located in the United States. How To Make A Payment. You must follow the instructions for making payments provided on your billing statement If you do not, credit of your payment may be delayed up to five days. Your billing statement also explains how information on your check is used. Payment Allocation. We will apply the required total minimum payment to balances on your account using any method we choose. Any payment you make in excess of the required total minimum payment will be applied to higher APR balances before lower APR balances. Applicable law may require a permit us to apply excess payments in a different manner in certain situations, such as when your account has a certain type of spectal promotion. INFO[MaT10N ABOUT YOU Using and Sharing Your information. When you applied for an account, you gave us, dealerslmerchantshetailersthct aa,~ept the card and program sponsors information about yourself that we could share with each other. DealerslMerchants/Retailersthct accept the card and program sponsors (and their respective affiliates) will use the information in connection with the credit program and for things like aeating and updating their records and offering you spedal benefits. More information about how we use and share information is set forth in the privacy pdicy for your account. AddressfPhone Change. You agree to tell us right away if you change your address or phone number(s). We will contact you at the address c phone number in our records until we update our records with your new address or phone number. Consent to Communications. You consent to us contacting you using all channels of communication and for all purposes. We will use the contact information you provide to us. You also consent to us and any other owner or servicer of your account contacting you using any communication channel. This may indude text messages, automatic telephone dialing systems andla an artifidal or prerecorded vacs. This consent applies even if you are charged for the call under your phone plan. You are responsible fa any charges that may be billed to you by your communications carriers when we contact you. Telephone Monitoring. For quality control, you allow us to listen to c record telephone calls between you and us. IMPORTANT INfOCMilAT1E~ABOUT YOUR ACCOt)NT Closing Your Account. You may dose your account at any time by sending a letter to the address shown on your billing statement a calling customer service. We may dose your account at any time, for any reason. If your account is closed, you must stop using it. You must still pay the full amount you owe and this Agreement will remain in effect until you do. Collection Costs. If we ask an attorney who is not our salaried employee to collect your account, we may charge you our collection costs. These indude court costs and reasonable attorneys' fees. Credk Bureau Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, a other defaults on your account may be shown in your credit report. Tell us if you think we reported wrong information about you to a aedit bureau. Write to us at GE Capital Retail Bank, P.O. Box 965036, Orlando, FL 32896-5036. Tell us what information is wrong and why you think it is wrong. If you have a copy of the credit report that inductee the wrong information, send us a copy. Defauk. You are in default if you make a late payment, do not follow any other term of this Agreement or become bankrupt a insdvent If you default a upon your death, we may (a) request that you pay the full amount due right away, (b) take legal action to celled the amounts owed, andla (c) take any other action allowed. Disputed Amounts. The billing rights summary in section IV of this Agreement describes what to do ff you think there is a mistake on your bill. If you send us correspondence about a disputed amount or payment, you must send R to the address for billing inquiries. We do not give up any rights under this Agreement if we accept a payment marked "payment in full" or given with any other conditions or limitations. Unauthorized Use. If your card is lost, stolen or used without your r~nsent, call us immediately at 866-396-8254. You will not be liable for unauthorized use on your account, but you will be responsible for all use by anyone you give your card to or allow to use your account IMPORTANT INFORMATION ABOUT TFftSAGRIEEk4ENT Assignment. We may sell, assign or transfer any or all of our rights a duties under this Agreement or your account, including our rights to payments. We do not have to give you prior notice of such action. You may not sell, assign or transfer any of your rights a duties under this Agreement a your arxount. Enforceability. If any part of this Agreement is found to be void a unenforceable, all other parts of this Agreement will still apply. Governing Law. Except as provided in the Resdving a Dispute with Arbitration section, this Agreement and your account are governed by federal law and, to the extent state law applies, the laws of Utah without regard to its conflicts of law prindples. This Agreement has been accepted by us in Utah. Waiver. We may give up some of our rights under this Agreement. If we give up any of our rights in one situation, we do not give up the same right in another situation. RE&OLYMIG A DiSPtiTE WITH AR6tTRATK3N PLEASE READ THIS SECTION CAREFULLY. IF YOU DO NOT REJECT IT, THIS SECTION WILL APPLY TO YOUR ACCOUNT, AND MOST DISPUTES BE?WE'~N YOU AND US WILL BE SUBJECT TO INDIVIDUAL ARBTRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A JURY WILL RESOLVE ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION WILL BE AVAILABLE; AND (4) APPEAL RIGHTS WILL BE LIMITED. • What claims are subject to arbitration 1. If either you or we make a demand for arbitration, you and we must arbitrate any dispute a claim between you or any other user of your account, and us, our affiliates, agents and! a dealers/merchantslretailers that accept the card a program sponsors if it relates to your account, except as noted below. 2. We will not require you to arbitrate: (1) any individual case in small daims court or your state's equivalent court, so long as it remains an individual case in that court; or (2) a case we file to collect money you owe us. However, if you respond to the collection lawsuit by daiming any wrongdoing, we may require you to arbitrate. 3. Notwithstanding any other language in this section, only a court, not an arbitrator, will decide disputes about the validity, enforceability, coverage or scope of this section a any part thereof (inckrding, without limitation, the next paragraph of this section andla this sentence). However, any dispute or argument that concerns the validity a enfeceability of the Agreement as a whole is for the arbitrator, not a court, to decide. • No Class Actions YOU AGREE NOT TO PARTICIPATE IN A CLASS, REPRESENTATIVE OR PRNATE ATTORNEY GENERAL ACTION AGAINST US IN COURT OR ARBITRATION. ALSO, YOU MAY NOT BRING CLAIMS AGAINST US ON BEHALF OF ANY ACCOUNTHOLDER WHO IS NOT A ACCOUNTHOLDER ON YOUR ACCOUNT, AND YOU AGREE THAT ONLY ACCOUNTHOLDERS ON YOUR ACCOUNT MAY BE JOINED IN A SINGLE ARBITRATION WRH ANY CLAIM YOU HAVE. If a court determines that this paragraph is not fully enforceable, only this sentence will remain in force and the remainder will be null and void, and the awrt's determination shall be subject to appeal. This paragraph does not apply to any lawsuit a administrative proceeding filed against us by a state a federal government agency even when such agency is seeking relief on behalf of a doss of borrowers, inducting you. This means that we will not have the right to compel arbitration of any daim brought by such an agency. • How to start an arbitration, and the arbtration process 1. The party who wants to arbitrate must notify the other party in writing. This notice can be given after the beginning of a lawsuit or in papers filed in the lawsuit. Otherwise, your notice must be sent to GE Capital Retail Bank, Legal Operation, P.O. Box 29110, Shawnee Mission, KS 66201, ATTN: ARBITRATION DEMAND. The party seeking arbitration must select an arbitration administrator, which can be either the American Arbitration Assodafion (AAA), 1633 Broadway, 10th Floor, New York, NY 10019, www.adceg, (800) 778-7879, e JAMS, 620 Eighth Avenue, 34th Floor, New Yak, NY 10018, www.jamsadr.com, (800) 352-5267. If neither administrator is able a willing to handle the dispute, then the court will apdnt an arbitrator. 2. If a party files a lawsuit in court asserting daim(s) that are subject to arbitration and the other party files a motion with the avert to carpel arbitration, which is granted, it will be the responsibility of the party asserting the claim(s) to commence the arbitration proceeding. 3. The arbitration administrate will appoint the arbitrate and will tell the parties what to do next The arbitrator must be a lawyer with at least ten years of legal experience. Once appointed, the arbitrator must apply the same law and legal prindples, consistent with the FAA, that would apply in court, but may use different procedural rules. If the administrate's rules axrf6ct with this Agreement, this Agreement will contrd. 4. The arbitration will take place by phone a at a reasonably convenient location. If you ask us to, we will pay all the fees the administrator a arbitrator charges, as long as we believe you are acting in good faith. We will always pay arbitration costs, as well as your legal fees and costs, to the extent you prevail on claims you assert against us in an arbitration proceeding which you have commenced. • Governing Law for Arbitration This Arbitration section of your Agreement is governed by the Federal Arbitration Act (FAA). Utah law shall apply to the extent state law is relevant under the FAA. The arbitrator's dedsion will be final and binding, except for any appeal right under the FAA. Any court with jurisdiction may enter judgment upon the arbitrator's award. • How to reject this section. You may reject this Arbkration section of your Agreement. ff you do that, only a court may be used to resolve any dispute or claim. To reject this section, you must send us a notice within 60 days after you open your account or we first provided you with your right to re' this section. The notice must include your name, address and account number, and must be mailed to GE Capital Retail Bank, P.O. Box 965034, Orlando, FL 32896.5034. This is the only way you can reject this section. SECTION IV: OTHER IMPORTANT INFORMATION OF THE GE CAPITAL RETAIL BANK CREDIT CARD ACCOUNT AGREEMENT STATE NOTICES CALIFORNIA RESIDENTS: If you are marred, you may apply for a separate account. NEW JERSEY RESIDENTS: Certain provisions of this Agreement are subject to applicable law. As a result they maybe vad, unenforceable or inapplicable in some jurisdictions. None of these provisions, however, is vad, unenforceable or inapplicable in New Jersey. NEW YORK RESIDENTS: A consumer aedit report may be obtained in connection with evaluating your application and subsequently in connection with updates, renewals, or extensions of credit far which this application is made. This Agreement will not become effective unless and until you or an authorized user signs a sales slip or memorandum evidencing a purchase or lease of property or services or the payment of a fine by use of your credit card and prior thereto you will not be responsible for any purchase or lease of property or services by use of your credit card after its Ices or theft. OHIO RESIDENTS: The Ohio laws against disaimination require that all creditors make credit equally available to aR credit worthy customers, and that aedit reporting agenaes maintain separate credit histories on each individual upon request. The Ohio avil rights commission administers compliance with this law. TENNESSEE RESIDENTS: This Agreement will not become effective unless and until we have (1) provided the disclosures required pursuant to the federal Truth in Lending Act, (2) you or an authorized user uses the account, and (3) we extend aedit to you for that transaction on your account. WISCONSIN RESIDENTS: No provision of a marital property agreement a unilateral statement under sec. 766.59, Wis. Stats., or a court deaee under sec. 766.70, Wis. Stats., adversely affects the interest of the creditor unless the aeditor, prior to the time aedft is granted, is famished a copy of the agreement statement or deaee or has actual knowledge of the adverse provision when the obi' anon to the aeditor is incurced. Married residents of Wisconsin applying for an individual account must give us the name and address of their spouse if the spouse also is a Wisconsin resident, regardless of whether the spouse may use the card. Please provide this information to us at P.O. Box 9613042, Orlando, FL 321396.5042. Your signature on the application or sales slip (or online screen) for the initial purchase approved on this account represents your signature on this Agreement It is incorporated here by reference. We have signed this Agreement as follows: ` attt Margaret Keane Executive Vice President GE Capital Retail Bank YOUR BILLING RIGHTS SUMMARY Your Billing Rights: Keep this Document for Future Use This notice tells you about your rights and our responsibilfies under the Fair Credit Billing Act What To Do If You Find A Mistake On Your Statement If you think there is an ercor on your statement write to us at GE Capital Retail Bank 170 Election Road, Suite 125, Draper, UT 84020 In your letter, dive us the falowing information: • Account information: Your name and account number. • Dollar amount: The ddlar amount of the suspected error. Description ofproblem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after the error appeared on your statement At least 3 business days before an automated payment is scheduled, if you want to stop pa ent on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen ARer We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either corcect the error or explain to you why we believe the bill is correct While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount • While you do not have to pay the amount rn question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: • !f we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is corcect. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your aedit card, and you have tried in goal faith to correct the problem with the merchant you may have the right not to pay the remaining amount due on the purchase. To use this right all of the fdlowing must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at GE Capital Retail Bank P.O. Box 965035, Orlando, FL 32896-5035 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that pant, if we think you owe an amount and you do not pay, we may report you as delinquent. PRIVACY POLICY Rev. 10/11 a WHAT DOES GE CAPITAL RETAIL BANK DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit a some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal infor- : mation. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you have with us. This informa- tion can include: • Social Security number and income r account balances and payment history • credit history and credit scores '` All financial companies need to share customers' personal information to run their everyday business. In the section t below, we list the reasons financial companies can share their customers' personal information; the reasons GE Capital Retail Bank chooses to share; and whether you can limit this sharing. Y. Y For our everyday business purposes- Yes No such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus For our marketing purposes- Yes No to offer our products and services to you For joint marketing with other financial companies Yes No For our affiliates' everyday business purposes- Yes No information about your transactions and experiences For our affiliates' everyday business purposes- Yes Yes information about your creditworthiness For our affiliates to market to you Yes Yes For nonaffiliates to market to you Yes Yes' t Cal{ 877-905-2097 -our menu will prompt you through your choice(s) ~~ `~' Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no fongerour customer, we continue to share your information as described in this notice. ~`;. However, you can contact us at any time to limit our sharing. ~~,;, Ca11877-905-2097 PR4VA~Y F'Ca~ fCY :=:c>~itir?5aecf? How does GE Capital Retail Bank To protect your personal information from unauthorized access and use, we use protect my personal information? security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does GE Capital Retail Bank We col{ect your personal information, for example, when you collect my personal information? open an account or give us your contact information • provide account information or pay your bills • use your credit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Why can't 1 limit all sharing? Federal law gives you the right to limit only • sharing for affiliates' everyday business purposes-information about your creditworthiness • affiliates from using your information to market to you • sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. What happens when I limit sharing Your choices will apply to everyone on your account. for an account 1 hold jointly with someone else? 3~_.. .;. Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include companies with a GE, General Electric or Monogram name; financial companies such as General Electric Capital Corporation and Monogram Credit Services; and nonfinancial companies, such as General Electric Company Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Nonatfi!lates we share with can include direct marketing companies and the retailer named on your account Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include insurance companies '_3a~ .. • We follow state law if state law provides you with additional privacy protections. For instance, if {and while) your billing address is in Vermont, we will treat your account as if you had exercised the opt-out choice described above and you do not need to contact us to opt out. If you move from Vermont and you wish to restrict us from sharing information about you as provided in this notice, you must then contact us to exercise your opt-out choice. *Please keep in mind that, as permitted by federal law, we share information about you with dealers/merchants/retailers that accept the card and program sponsors in connection with mamtarmng and servicing the GE Capital Retail Bank credit card pprogram, including for dealers/merchants! retailers that accept the card and program sponsors to market to you. If you opt out of sharing with nonaffiliates, your opt ou{will not prohibit us from sharing your information with dealers/merchants/retailers that accept the card and program sponsors. The above notice applies only to the consumer credit card account covered by the attached GE Capital Retail Bank Credit Card Account Agreement and does not apply o any other accounts you have with us. It replaces our previous pnvacy notice disclosures to you. We can change our privacy policy at any time and will let you know if we do if/as required by applicable law. For helpful information about identity theft, visit the Federal Trade Commission's (FTC) consumer website at http://www.ftc.gov/idtheft. VERIFICATION SHANEKA BONNIER hereby depose and state that: The language of the foregoing document is that of counsel and not necessarily my own; however, I have read the foregoing document and the factual information contained therein is true and correct to the best of my personal knowledge. I am the Authorized Representative and a duly authorized representative of the plaintiff; The factual allegations set forth in the foregoing pleading are true and correct to the best of my knowledge, information and belief, and they are that JOHN FORCE owes the balance of $2,238.84 to CACH, LLC on previously submitted invoices, which balance is due and unpaid as if the date of the execution of this Verification. I am aware that if any of the foregoing is willfully false, I am subject to punishment. I understand that false statements made herein are subject to the penalties relating to unsworn falsification to authorities. 7 By•_ SEP 0 5 201 Dated: SE" 0 .. .., d ~HANEKA SQNNIER Authorized Representative