Loading...
HomeMy WebLinkAbout12-06-12IN RE: ESTATE OF ROBERT L. YOUNG, SR., Deceased r..~ ; ::~~-T , ~ © t"`.Y ~ ~ ~ t'g'i ~ C'r . ~;;:~ ""'T' i ' ti - ~+' 4 ... },,...-.A ., n A ryry .„....,j al ~....*.~ A ~a IN THE COURT OF COMMON PL EAS OF CUMBERLAND COUNTY, PENN SYLVANIA ORPHANS' COURT DIVISION N0. 21-11-0 l 47 ORPHANS' COURT INFORMAL ACCOUNTING OF THE ESTATE OF ROBERT L. YOUNG, SR. Robert L. Young, Jr., by his attorneys, Snelbaker & Brenneman, P. C., submits this Informal Accounting in accordance with the Court's Order of November 7, 2012. The Informal Accounting of the Estate of Robert L. Young, Sr., consists of the following: A. Informal First and Final Account prepared by Creedon R. Hoffman, C.P.A. (p. l ) B. Letter dated October 20, 2011 from Samuel L. Andes to Charles E. Shields, III (p.6) C. Letter dated October 21, 2011 from Charles E. Shields, III to Samuel L. Andes with attachments (p.9 - p.29) D. Letter dated November 7, 2011 from Charles E. Shields, III to Samuel L. Andes with attachments (p.30 - p.43) E. Letter dated November 17, 2011 from Samuel L. Andes to Charles E. Shields, III (p.44) F. Letter dated November 22, 2011 from Samuel L. Andes to Charles E. Shields, III (p.45) G. Letter dated November 23, 2011 from Charles E. Shields, III to Samuel L. Andes (p.48) H. Letter dated February 6, 2012 from Samuel L. Andes to Charles E. Shields, III (p.49) LAW OFFICES SNELBAKER & I. Letter dated February 6, 2012 from Charles E. Shields, III to Samuel L. Andes BRENNF_MAN, P.C. (p.SO) J. Letter dated February 8, 2012 from Charles E. Shields, III to Samuel L. Andes with attachments (p.51 - p.106) K. Letter dated February 17, 2012 from Samuel L. Andes to Charles E. Shields, III (p. 106-A) L. Letter dated February 20, 2012 from Charles E. Shields, III to Samuel L. Andes (p. 106-B) M. Letter dated March 9, 2012 from Charles E. Shields, III to Samuel L. Andes with attachments (p.106-C - p.169) N. Letter dated March 16, 2012 from Samuel L. Andes to Charles E. Shields, III (p.170) O. Letter dated June 11, 2012 from Samuel L. Andes to Charles E. Shields, III (p.171) P. Letter dated June 12, 2012 from Charles E. Shields, III to Samuel L. Andes (p.172) Q. Letter dated June 18, 2012 from Samuel L. Andes to Charles E. Shields, III with attachments (p.173 - p. 178) R. Letter dated June 19, 2012 from Charles E. Shields, III to Samuel L. Andes (p. 179) S. Letter dated June 19, 2012 from Samuel L. Andes to Charles E. Shields, III (p.180) T. Letter dated June 20, 2012 from Charles E. Shields, III to Samuel L. Andes with attachments (p.181-p.217) U. Letter dated June 22, 2012 from Charles E. Shields, III to Samuel L. Andes (p.218) V. Letter dated August 7, 2012 from Samuel L. Andes to Charles E. Shields, III with attachment (p.219 - p. 222) W. Letter dated August 20, 2012 from Charles E. Shields, III to Samuel L. Andes (p.223) X. Letter dated August 29, 2012 from Samuel L. Andes to Charles E. Shields, III (p.224) Y. Letter dated August 30, 2012 from Charles E. Shields, III to Samuel L. Andes (p.225) LAW OFFICES SNELBAKER SC 2 BRENNF_MAN, P.C. Z. Letter dated September 7, 2012 from Samuel L. Andes to Charles E. Shields, III with attachment (p.226 - p.232) AA. Letter dated October 2, 2012 from Samuel L. Andes to Charles E. Shields, III with attachment (p.233 - 235) SNELBAKER & BRENNEMAN, P. C. By: 1 `--'1 Keith O. Brenneman, Esquire 44 West Main Street Mechanicsburg, PA 17055 Date: December 6, 2012 (717) 697-8528 Attorneys for Robert L. Young, Jr. -3- LAW OFFICES SNELBAKER SC BRENNF_MAN, P.C. CERTIFICATE OF SERVICE I, KEITH O. BRENNEMAN, ESQUIRE, hereby certify that I have, on the below date, caused a true and correct copy of the foregoing Informal Accounting to be served upon the person and in the manner indicated below: FIRST CLASS MAIL, POSTAGE PREPAID, ADDRESSED AS FOLLOWS: Samuel L. Andes, Esquire P.O. Box 168 Lemoyne, PA 17043 SNELBAKER & BRENNEMAN, P.C. By: Keith O. Brenneman, Esquire 44 W. Main Street P. O. Box 318 Mechanicsburg, PA 17055 (717)697-8528 Date: December 6, 2012 Attorneys for Robert L. Young, Jr. LAW OFFICES SNELBAKER SC BRENNF_MAN, P.C. Estate of Robert L. Young, Sr., Deceased Late of Borough of Mechanicsburg Informal First and Final Account and Statement of Distribution Robert L. Young, Jr., Executor Date of Death: 11/15/2010 Date of Executor's Appointment: 02/04/2011 Accounting for the period: 11/15/2010 to 5/3/2011 Purpose of Account: Robert L. Young, Jr., Executor, offers the Account to acquaint interested parties with the transactions that have occurred during the Administration. NOTE: This accounting includes only the asset subject to probate, the 2010 Federal income tax refund. It does not include jointly owned property, property transferred to the Robert L. Young and Hazel M. Young Living Trust (Hazel M. Young predeceased her husband, Robert L. Young), and non- probate property. See Schedule C for details. SUMMARY OF ACCOUNT Estate of Robert L. Young, Sr., Decreased For the period of November 15, 2010 through May 3, 2011 PAGES nn~aimm~i Receipts: This Account 1 $ 181.00 Less: Disbursements Other 2 181.00 Principal Balance on Hand $ 0.00 SCHEDULE A RECEIPTS OF PRINCIPAL U.S. Treasury, Refund of 2010 personal Federal income taxes Total receipt of Principal ~ 181.00 SCHEDULE B DISBURSEMENTS OF PRINCIPAL Other Disbursements 05/03/11 Deposit into Members 1St Federal Credit Union Estatei ~ rust checking account Total Disbursement of Principal $ 181.00 SCHEDULE C JOINTLY OWNED PROPERTY, LIVING TRUST PROPERTY AND NON-PROBATE PROPERTY JOINTLY OWNED PROPERTY 2003 Chevrolet Malibu LS, jointly titled 07/30/10 with son, Robert L. Young, Jr. Date of death value $4,604.00, 50% value LIVING TRUST PROPERTY INCLUDED IN ACCOUNTING FOR ADMINISTRATION OF POUR OVER WILL UNDER THE LIVING TRUST, ROBERT L. YOUNG, JR., SUCCESSOR TRUSTEE Sovereign Bank Trust Checking Account No. 0921705662 Date of death value PNC Bank Savings Account No. 5111998902 Date of death value NON-PROBATE PROPERTY Amerprise Financial Account No. 11435876 Payable in three equal shares to decedent's three children, Robert L. Young, Jr., Belinda Y. Roselli and Cynthia K. Rigling Date of death value Sovereign Bank Account No. 0925156564, Certificate of Deposit designated for John C. Sullivan Funeral Home for funeralexpenses Date of death value $ 2, 302.00 $ 70,160.74 $ 11,066.01 $ 74,128.86 $ 2, 050.11 S~ ~1ec.GG /o/a~~/j MAILING ADDRESS: P. O. BOX 168 LEMOYNE, PA 17043-0168 E-MAIL: LawMdes~aol.com Charles E. Shields, III, Esquire 6 Clouser Road Mechanicsburg, PA 17055 SAMUEL L. ANDES ATTORNEY AT LAW 525 NORTH TWELFTH STREET P. O. BOX 168 LEMOYNE, PENNSYLVANIA 17043 20 October 2011 Rte: ~sicaie of i~oibert I,. ~'uung Dear Charlie: TELEPHONE (717) 761-5361 FAX (717) 761-1435 I met with Belinda Roselli and her husband recently to discuss the concerns she had about the administration of the above Estate. As it turns out, there may be problems beyond the Estate administration. As I understand, Robert L. Young, Jr. functioned as trus-tee of a trust created by his father and, during the last several years of his father's life had complete control of his father's assets. Several of the questions my clients have relates to transactions preceding Mr. Young's death. One of those questions involves the sale of Mr. Young's home in August of 2010, several months before he died. We have not been able to locate any account into which the proceeds of that sale were deposited and we believe those proceeds were fairly substantial. I think a logical starting point here is for Robert Young, Jr. to prepare and file an accounting for his work as trustee of his father's trust. If nothing else, that will tell us what assets he handled and what he did with them. With regard to the estate itself, my clients have many unanswered questions. Those include: 1. The funeral expenses claimed on the inheritance tax return exceeds $16,000.00. They have been advised by the funeral director, however, that Mr. young had prepaid his funeral expenses and that the amount paid at the time of his death was far less than $16,000.00. We need some explanation. of what expenses actually were paid from the Estate's assets. Charles E. Shields, III, Esquire 2 20 October 2011 2. The account with Ameriprise listed on the inheritance tax return does not exist. There were two accounts that Mr. Young held with Ameriprise. The first (Account No. 49645641) had a balance of $108,000.00, or close to thai, on the date of death. From the records we have, it appears that Robert Young, Jr. received $62,000.00 or more from that account while the other two heirs each received only $23,000.00. We need that explained. 3. The second Ameriprise account was an IRA which had a balance of approximately $9,600.00 on the date of death. That account was apparently divided equally among the three heirs, but it is not listed on the inheritance tax return. It should appear on Schedule G. My clients have other questions about the administration of the Estate. I believe that they will only be adequately answered if someone does a lot more work to determine what assets and income Robert Young, Jr. received as Trustee during his father's lifetime, what accounts actually existed at the time of his death, and what Robert Young, Jr. did with those assets and income both during the time he functioned as trustee and during the administration of the Estate. As I noted above, the starting point should be an accounting by Robert Young, Jr. of the assets and income he received while serving as Trustee and a disclosure of how those funds were expended. From what little I have seen, I believe there are serious questions about how he spent that money. It appears that some of the funds may have been expended for his benefit, not for that of his father. A proper accounting will at least provide us the information we need to investigate that property. Please speak to your client and have him prepare such an accounting. If you would prefer, you and I can sit down with his records from the trust and review what funds he received and what expenditures he made. To do that, we are going to have to have copies of all the bank accounts and accounts with other financial institutions which he operated on behalf of the trust. At some point, he may have to explain some of the expenditures he made to demonstrate that they were for the benefit of his father and no one else. Charles E. Shields, III, Esquire 3 20 October 2011 Please review this with Robert Young, Jr. and get back to me when you have done so. Sincerely, e L. Andes amtz cc~ Mr. & Mrs. Anthony F. Roselli CHARLES E. SHIELDS, III ATTORNEY-AT-LAW 6 CLOUSER ROAD Corner of Trindle and Clouser Roads MECHANICSBURG, PA 17055 GEORGE M. HOUCK (1912-1991) October 21, 2011 Samuel L. Andes Attorney At Law 525 North 12~' Street PO Box 168 Lemoyne, PA 17043 Dear Sam: TELEPHONE (717) 766-0209 FAX (717) 795-7473 Thank you for your letter of October 20, 2011 and for your rational and sensible approach to this matter. I have met with Bob Young, Jr. today at l :l 5 p.m. We can answer some of your questions immediately and some others will require some digging and assemblage and possibly some additional requests for data from several institutions. In the meantime, we address the following: fr 1. .Sale of Home: i Please find enclosed a copy of the original settlement sheet. Please note the real estate sold for a face value of $80,000.00. the net was $78,812.29. This was deposited into the Ameriprise Account. We do not have all the Ameriprise data available to us that we think we are going to need. I have put a call into Dave Lyon who is the Ameriprise Representative to see if I can arrange a meeting in person with Bob and myself to go over the issues being raised and to try to obtain all data that might prove to be meaningful and/or helpful. 2 Funeral Expenses: The entry on Schedule G, No. 3 is the prepaid Funeral Expenses Account at Sovereign Bank in favor of the John Sullivan Funeral Home in the amount of $2,050.11. I am enclosing for your ready reference and convenience Schedule G and the supporting valuation letter. I am also enclosing Schedule H. Please note that I transposed the two accounts - Sovereign (Schedule G, No. 3) and PNC (Schedule G, No. 4) when I made the entry on Schedule H. The entry on Schedule H was to have been Sovereign (Schedule G, No. 3). Samuel L. Andes October 21, 2011 Page 2 I did not catch this when I proofed and double-checked my entries. This is embarrassing to say the least and especially so here in that it might have aroused suspicions of Bob for something he had nothing to do with. So everyone concerned has my apologies for this. 3. The Ameriprise Account Discrepancies: There is considerable confusion involved here for some reason which bob and I have been able to figure out from what we have available to us at present. We will be taking all this up with Dave Lyon. I have known Dave Lyon for years and I am sure he would not have done anything improper. I will check into the Account No. 49645641 issue with him. When I spoke to him shortly after Mr. Young's death I told him I would be happy to rely on the ACN notices I received from the beneficiaries of the Transfer on Death Account No. 11435876. This is the one I entered on Schedule G so I am not sure why Belinda is taking the position it does not exist (assuming I am understanding this properly). It could be that Dave simply forgot to mention the IRA Account when I spoke to him. In any event I will check into this as well. We will likely need to file a Supplemental Inheritance Tax Return to account for the IRA with the Department of Revenue. It is my understanding that each of the three (3) children has already received their respective shares of the IRA. I am enclosing my ACN correspondence sheets with Revenue for your ready reference and convenience. 4. Bank Accounts: Bob is going to request all bank account data back to a month before the sale of the real estate. I suggested we should overlap that period. We can then review these and categorize them and will be able to get a better handle on things. S. Bass-Pro Check: Although not part of your letter, when I met with Belinda and her husband they had a question about the check to Bass-Pro written after Belinda's father's date of death. This was in accord with Bob Sr.'s wishes in that he told Bob Jr. he wanted him to treat himself to fishing related supplies. I called Bob's sister independent of him after this was brought up and she said this was definitely true and she was willing to testify so. I suppose we should also point out that Bob Jr. did not want any Executor 1 Trustee fee which leaves more money for all the beneficiaries. rv Samuel L. Andes October 21, 2011 Page 3 I hope this preliminary response will prove at least somewhat helpful to all concerned. I will be in touch once we have gathered in what we need. I will try to keep this moving as rapidly as circumstances will permit so that everyone can putt this to rest. Thank you. Very truly yours, Charles E. Shields, III Attorney-At-Law CES/mjj Enclosure P.S. After reviewing the letter, Bob Jr. pointed out to me that his Dad had requested a modification of the bathroom at Bob Jr.'s house for his convenience and easier use. He insisted that he, rather than Bob.Jr., pay for this. The modifications were undertaken before the date of death although the invoice was paid after the date of death. Bob Jr. also had central air and additional fans installed, as well as railings installed on the steps. Although Bob Sr. wanted to pay for these as well, Bob Jr. refused to accept that and felt these were general upgrades to the value to the house. Cynthia is aware of these items as well and had even suggested to Bob Jr. that he should follow his father's wishes and let their father use his money to pay for all of it. ~t P~M~NrO~ Q¢~ ~~ ~II yob ('` = nt HUD-1 ~~ ~~~~~~~~ Qp~. A. Settlement Stateme ( ) 9QR~ o eJ~~'~ B_ Tvnp ~f Loan Ci ,~ ~r~' ~ ~ ~/ OMB Approval No. 2502-0265 1. ~ FHA 2. QX RHS 3. ~ Conv. Unins. 4. ~ VA 5. ~ Conv. Ins. 6. File Number: 201000101 7. Loan Number: NOU297767 8. Mortgage Insurance Case Number: C. Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked "(p.o.c.)"were paid outside the closing; they are shown here for informational purposes and are not included in the totals. D. Name and Address of Borrower: Haitham M. Nour and Khamisa B. Kowa 124 North Enola Drive Enola, Pa 17025 E. Name and Address of Seller: Robert L. Young and Hazel M. Young Revocable Living Trust F. Name and Address of Lender: Members 1st Federal C.U. 5000 Louise Drive Mechanicsburg, PA 17055 G. Property Location: 124 North Enola Drive Enola, PA 17025 Cumberland County, Pennsylvania H. Settlement Agent: 20-2039731 Capital Area Abstractors, LLP 500 North Progress Avenue Harrisburg, PA 17109 Ph. (717)920-9179 I. Settlement Date: August 20, 2010 Place of Settlement: 500 North Progress Avenue Harrisburg, PA 17109 J. Summary of Borrower's transaction K. Summary of Seller's transaction Gross Amount Due from Borrower: 100 400. Gross Amount Due to Seller: . Contract sales rice 101 80,000.00 401. Contract sales rice 80,000.00 . Personal roe 102 402. Personal pro e . Settlement Char es to Borrower Line 1400 103 5,305.34 403. . 104 404. . 105 405. . Ad'ustments for items aid b Seller in advance Ad'ustments for items aid b Seller in advance Ci /Town Taxes to 106 406. Ci /Town Taxes to . Coun Taxes 08/21/10 to 01/01/11 107 102.93 407. Coun Taxes 08/21/10 to 01/01/11 102.93 . School Taxes 08/21/10 to 07/01/11 108 708.54 408. School Taxes 08/21/10 to 07/01/11 708.54 . Sewer Char es 08/21/10 to 10/01/10 109 30.53 409. Sewer Charges 08/21/10 to 10/01/10 30.53 . 110 410. . 111 411. . 112 412. . 120. Gross Amount Due from Borrower 86,147.34 420. Gross Amount Due to Seller 80,842.00 Amounts Paid b or in Behalf of Borrower 200 500. Reductions in Amount Due Seller: . De osit or earnest mone 201 1,000.00 501. Excess de osit see instructions . Princi al amount of new loans 202 77,600.00 502. Settlement char es to Seller Line 1400 2,029.71 . Existin loans taken sub'ect to 203 503. Existin loans taken sub'ect to . Credit for amount aid 204 375.00 504. Payoff First Mortgage . 205 505. Pa off Second Mort a e . 206 506. . 207 507. De osit disb. as roceeds 208 508. . 209 509. . Ad'ustments for items un aid b Seller Ad'ustments for items un aid b Seller Ci /Town Taxes to 210 510. Ci /Town Taxes to . Coun Taxes to 211 511. Coun Taxes to . School Taxes to 212 512. School Taxes to . 213 513. . 214 514. . 215 515. . 216 516. . 217 517. . 218 518. . 219. 519. 220. Total Paid b /for Borrower 78,975.00 520. Total Reduction Amount Due Seller 2,029.71 Cash at Settlement fromfto Borrower 300 600. Cash at settlement to/from Seller . Gross amount due from Borrower line 120 301 86,147.34 601. Gross amount due to Seller line 420 80,842.00 . 302. Less amount paid by/for Borrower (line 220) ( 78,975.00) 602. Less reductions due Seller (line 520) ( 2,029.71 303. Cash X~ From ~ To Borrower 7,172.34 603. Cash ~ To ~ From Seller 78,812.29 The undersigned hereby acknowledge receipt of a completed copy of this statement & any attachments referred to herein Borrower ~ +a (~ a ~ ~ ~ ~ ~ ~ Seller Robert L. Young and Hazel M. Young Revocable Living Haitham M. Nour Trust t ~ 1 ~~~~ '' ~-~~ ~ BY: -~r~' ~.~ct„Lt hamisa B. Kowa Robert L. Young, Surv ng Tr' tee The Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting, reviewing, and reporting the data. This agency may not collect this information, and you are not required to complete this form, unless it displays a currently valid OMB control number. No confidentiality is assured; this disclosure is mandatory. This is designed to provide the parties to a RESPA covered transaction with information during the settlement process. Page 1 of 3 HUD-1 (201000101.pfd/201000101 /24) /Z L. Settlement Charges 700. Total Real Estate Broker Fees $ 2,000.00 Paid From Paid From Division of commission (line 700) as follows: Borrower's seders 701. $ t0 Funds at Funds at 702. $ 2 000.00 to Exit Real Ca ital Area settlement settlement 703. Commission aid at settlement 2 000.00 704. Com liance Fee to Exit Real Ca ital Area 150.00 705. 800. Items Pa able in Connection with Loan 801.Our on ination char a Includes Ori ination Point $ 375.00 $ 375.00 from GFE #1) 802. Your credit or charge (points) for the specific interest rate chosen $ (from GFE #2) 803. Your adjusted origination charges from GFE #A) 375.00 804. A raisal fee to from GFE #3 805. Credit Re ort to from GFE #3 806. Tax service to (from GFE #3) 807. Flood certification to (from GFE #3) gOg. (from GFE #3) 809. (from GFE #3) 810. (from GFE #3) 811. (from GFE #3) 900. Items Required b Lender to Be Paid in Advance 901. Daily interest charges from 08/20/10 to 09/01/10 12 @ $10.098600/day (from GFE #10) 121.18 902. Mort a e insurance remium for months to from GFE #3) 903. Homeowner's insurance for 1.0 ears to Dale Wa ner Ins. A enc -Motorists Mutual from GFE #11 310.00 904. from GFE #11 905. (from GFE #11) 1000. Reserves Deposited with Lender 1001. Initial deposit for your escrow account (from GFE #9) 352.60 omeowner s insurance mont s per mont 1003. Mort a e insurance months $ er month $ 1004. Property taxes $ 367.41 County Taxes 7.000 months @ $ 23.07 per month Assessments months @ $ per month School Taxes 3.000 months @ $ 68.64 per month 1005. $ 1006. months @ $ per month $ 1007. months @ $ per month $ 1008. $ 1009. Aggregate adjustment $ -92.30 1100. Title Char es 1101. Title services and lender's title insurance (from GFE #4) 965.06 10.00 1102. Settlement or closin fee $ 1103. Owner's title insurance to Lawyers Title from GFE #5 9.00 1104. Lender's title insurance to Lawyers Title $ 695.06 1105. Lender's title olic limit $ 77,600.00 1106. Owner's title olic limit $ 80,000.00 PHFA Disct. 1107. A ent's ortion of the total title insurance premium to Ca ital Area Abstractors, LLP $ 598.45 1108. Underwriter's portion of the total title insurance remium to La ers Title $ 105.61 1109. Tax Cert Fee to Capital Area Abstractors, LLP 10.00 1110. 1111. 1112. 1113. 1200. Government Recording and Transfer Charges 1201. Government recordin char es to Recorder's Office from GFE #7) 152.00 1202. Deed $ 62.00 Mortgage $ 90.00 Releases $ Other $ 1203. Transfer taxes to Recorder's Office (from GFE #8) 800.00 '- 1204. City/County tax/stamps $ 800.00 $ 800.00 1205. State tax/stam s $ 800.00 $ 1206. Assi nment of Mort a e to Recorder's Office 50.50 1207. 1300. Additional Settlement Char es 1301. Re uired services that ou can sho for from GFE #6 1302. Home Ins ection Tille Ins ectoins $300.00 POC 1303. 2010 Coun taxes to East Pennsborou h Townshi Tax Collet 310.74 1304. 2010/2011 School Taxes to East Pennsborou h Township Tax Collet 823.62 1305. See addit'I disb. exhibit to 20.00 75.35 1400. Total Settlement Char es enter on lines 103, Section J and 502, Section K 5,3 5.34 2,029.71 By signing page t of this statement, the signatories acknowledge receipt of a completed copy of page 2 8 3 of this three page tatem t. Capital Area Ab ractors, LL ttlement Agent Page 2 of 3 HUD-1 (201000101.pfd/201000101 /24) /3 Comparison of Good Faith Estimate (GFE) and HUD-1 Charges Good Faith Estimate HUD-1 Charges That Cannot Increase HUD-1 Line Number Our origination charge # 801 375.00 375.00 Your creditor charge (points) for the specific interest rate chosen # 802 Your adjusted origination charges # 803 375.00 375.00 Transfer taxes #1203 800.00 800.00 Charges That in Total Cannot Increase More than 10% Good Faith Estimate HUD-1 Government recording charges #1201 273.00 152.00 Title services and lender's title insurance #1101 1,238.75 965.06 Owner's title insurance to Lawyers Title #1103 12.00 9.00 Total 1,523.75 1,126.06 Increase between GFE and HUD-1 Charges $ -397.69 or -26.10% Charges That Can Change Good Faith Estimate HUD-1 Initial deposit for your escrow account #1001 575.06 352.60 Daily interest charges # 901 $ 10.098600/day 121.18 121.18 Homeowner's insurance # 903 300.00 310.00 1 nan TRrmS Your initial loan amount is $ 77,600.00 Your loan term is 30 years Your initial interest rate is 4.7500 Your initial monthly amount owed for principal, interest and $ 450.07 includes any mortgage insurance is a Principal 0 Interest ^X Mortgage Insurance Can your interest rate rise? ^X No ^ Yes, it can rise to a maximum of %. The first change will be on and can change again every _ months after I . Every change date, your interest rate can increase or decrease by %. Over the life of the loan, your interest rate is guaranteed f to never be lower than % or higher than %. Even if you make payments on time, can your loan balance rise? ^X No ^ Yes, it can rise to a maximum of $ Even if you make payments on time, can your monthly ^X No ^ Yes, the first increase can be on and the monthly amount owed for principal, interest, and mortgage insurance rise? amount owed can rise to $ The maximum it can ever rise to is $ Does your loan have a prepayment penalty? ^X No ^ Yes, your maximum prepayment penalty is $ Does your loan have a balloon payment? ^X No ^ Yes, you have a balloon payment of $ due in _ years on Total monthly amount owed including escrow account payments ^ You do not have a monthly escrow payment for items, such as property taxes and homeowner's insurance. You must pay these items directly yourself. ^X You have an additional monthly escrow payment of $117.54 that results in a total initial monthly amount owed of $567.61. This includes principal, interest, any mortgage insurance and any items checked below: ^X Property taxes ^X Homeowner's insurance ^ Flood insurance ^ ^ ^ Note: If you have any questions about the Settlement Charges and Loan Terms listed on this form, please contact your lender. Page 3 of 3 HUD-1 (201000101.pfd/201000101 /24) /~ HUD-1 Attachment Borrower(s): Haitham M. Nour and Khamisa B. Kowa Seller(s): Robert L. Young and Hazel M. Young Revocable Living Trust 124 North Enola Drive Enola, Pa 17025 Lender: Members 1st Federal C.U. Settlement Agent: Capital Area Abstractors, LLP (717)920-9179 Place of Settlement: 500 North Progress Avenue Harrisburg, PA 17109 Settlement Date: August 20, 2010 Property Location: 124 North Enola Drive Enola, PA 17025 Cumberland County, Pennsylvania Additional Adjustments For Items Paid By Seller In Advance (Borrower Debit) Description Amount FromlThrough Prorated Amount Sewer Charges 68.50 07/01 /10 through 09/30/10 30.53 Total Line 109/409 30.53 Additional Disbursements Payee/Description Note/Ref No. Borrower Seller East Pennsboro Township 75.35 Sewer Charges East Pennsboro Township 20.00 Refuse Charges Total Additional Disbursements shown on Line 1305 $ 20.00 $ 75.35 Adjusted Origination Charge Details Origination Charge Origination fee 375.00 to Members 1st Federal Credit Union Total $ 375.00 Origination Credit/Charge (points) for the specific interest rate chosen Total $ Adjusted Origination Charges $ 375.00 Reserves Deposited with Lender Homeowner's Insurance 77.49 3.000 at 25.83 per month County Taxes 161.49 7.000 at 23.07 per month School Taxes 205.92 3.000 at 68.64 per month Aggregate adjustment -92.30 month Total $ 352.60 Title Services and Lender's Title Insurance Details BORROWER SELLER WARNING: It is a crime to knowingly make false statements to the United States on this or any similar form. Penalties upon conviction can include a fine and imprisonment. For details see: Title 18 U.S. Code Section 1001 and Section 1010. (201000101. pfd/201000101 /24) /~ HUD-1 Attachment - Continued E-Documents 100.00 to Capital Area Abstractors, LLP Closing Protection Letter 75.00 to First American Title Notary Fee 30.00 10.00 to Dorothea R. Butkus Express Mail -signed docs 25.00 to Capital Area Abstractors, LLP Wire Fee 20.00 to Capital Area Abstractors, LLP Courier Fee to Cumb. Cty 20.00 to Capital Area Abstractors, LLP Lender's title insurance 695.06 to Lawyers Title Total $ 965.06 $ 10.00 Owner's Title Insurance BORROWER SELLER Owner's Policy Premium 9.00 to Lawyers Title Total $ 9.00 $ 0.00 Lender's Title Insurance "`fees also shown above in Title Services and Lender's Title Insurance Details BORROWER SELLER Lender's Policy Premium 545.06 to Lawyers Title Lender's Endorsement Charges 150.00 Endorsement Endorsement Charge TIRBOP PA 100 Endorsement -Restrictions 50.00 ALTA Endorsement Form 3 (Zoning) 50.00 ALTA Endorsement Form 8.1 (Environmental Protection Lien) 50.00 Total $ 695.06 $ 0.00 WARNING: It is a crime to knowingly make false statements to the United States on this or any similar form. Penalties upon conviction can include a fine and imprisonment. For details see: Title 18 U.S. Code Section 1001 and Section 1010. (201000101.pfd/201000101/24) ~~ REV-1510 EX + (1-9~ COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN SCHEDULE G INTER-VIVOS TRANSFERS 8~ MISC. NON-PROBATE PROPERTY ESTATE OF Yo~•, ~O~Kl~r~ L ,, d'r. FILE NUMBER ~ _ /~ _ / ~f 7 This schedule must be completed and filed if the answer to any of questions 1 through 4 on the reverse side of the REV-1500 COVER SHEET is yes. ITEM NUMBER DESCRIPTION OF PROPERTY INCLUDE THE NAME OF THE TRANSFEREE, THEIR RELATIONSHIP 70 DECEDENT AND THE DATE OF TRANSFER. ATTACH A COPY OF THE DEED FOR REAL ESTATE . DATE OF DEATH VALUE OF ASSET % OF DECD'S INTEREST EXCLUSION IF APPLICABLE TAXABLE VALUE 1. ~}{- ~l A IrNS~ ,~CC~, wf ~'h121"iPrise i~~hQY1CiGl~ # /I ~35~'7~ ~ ~ 70 ~Q ~ vQ /ue a f a°• o, ~! c~QS 7 `f, /.7 8, 8(0 ~ 7 `~, /z 8: ~ l o o ~o -o - 7 y; /2 ~, 8'~6 %h,'~S d CL'vunt GvaS ~a~~ ~/e Gyl 3 ~,~ca ~ U G(~, t ~jare5 {n c%~ea/~~ fs 3 cti,%~rEy~ fD ,~~ ~6~f L./oun y, fir. /g.) ~e /~7~4 y ~osQ/~ Op ~- on ~c,~CJ'~ ~ ~ Qs ~arf ol~ in/i er- f~c hover-G,9h ~ -T us f ~C~.~. ~.b. ~ of ~2, 7~,5' 6 ~,;~ ~ Fd~i,.ic~/ itumc t~ Gpober~ L, you.n~ a+~L Hazef /I'I•~punq Ley%~ !rust ~qzc~ A'I. yokn~ ~~- ca~2C2a Sect her ~ us band, 7~e ~~e~C;n ~ here ;n. ~, o. ~ va/ae X70, X60. l,03 ~of4/ 70, /~d~ 7f ~ 70, /bD. 74~ ~D~ ~~ - o - ~ 7v, /bo. 75~ ~.s~e Yal~a ~4on ,I~e,~' aka ~~e~~ ~o~e ~ ~ /rK 57 ~ Qh] ~ ~/)'1 U'1 ~S Q ~ G~1 GG~, q~Ai R~ ~.~ f~/i1 IrNS f ' ~/' //S ~ feS 7 a~te~~~~~f ~,~.~~~ ~ ba/an~e ~ %r~sf ,~sSe~ ~,~ Prua/ cS~alps a~or~ a/eCe~~fs ~, ~averei n ~t~C - ,~PS~y~~~~l C'. ~. ~r ~i-- y ' ~ a.~. // ~ /oa ~d -D -- ~..?' o it $0. ~~ola Gra/ ~-~x~~s ~ ~oh,~ C. sub/, ~a~ off , c/, o. c% !/a ~a e ~~, 035, ~-3 Tofu~~ o~ ~. l 1 , ~SCe Chi! ~-/t uuf'vn s~ieGf aft `~~) TOTAL (Also enter on line 7, Recapitulation) $ ~ ~ 7 ~ 0~, ~~ (If more space is needed, insert additional sheets of the same size) l7 ~5~: Dt yDUny, ~D~CI"y L.,~SY'. _ ~- C~'lLE ND. ~~ -'ll -l~ ``1~ 7. _ Pruc __ %'~11 k _ ~ir:/19.s ~~=~if - -# 51 ~1 ~ ~ 8 ~ ~ Z ~ A• ~~ ~a rum ~ ~ /v /~~~r/C/i7s _ ~Clt(s . _ ~~ ~ ~~ f " / ~ ~c~ L. occrt ~-n~ C/ 06~.a1 __~.u%i._ 7~r/llal ~I?~_ a~ ~ _._ y q _ _, _ _ ~i i ~ _ D- _ lDD D _ __ J/~ Ob6- Dl ~~ z~ _~ yours ~,~~,~~ ;,-~s~ ,~~Z~~ ~. ~a~crt~i ~~a~eceQS~q! ~ ~i~s~~~~~~ / cn f he~:~.. g'ee~ _. E 4 ~Se~ ~a~K a h'o H ~ee~ ~~ u~ ~ ~, ~_ 6szc-~ia~ Gn~f ~h ZDO3 ~~/'o%t ,~~ ,3oa, D6 ~ _av ~oo~b _ 3, DDD, _'o LAS ice ero5s-/'~eren~ e fi~ s c6~ ~'. t _; _~!,~~~ /tii~`Jir1 _ Df?~ year 4~ ~~•~ t _ ~~` __ __ 1 t. i 1 `.. ~_ __ __ :~.u~ 3 /Z 3 ~6/ qty y4~. Sovereign Court Ordered Processing \ Decedents - MA1-MB3-02-10 - P. O. Box 841005 -Boston, MA 02284 March 17, 2011 Charles E. Shields, III Attorney at Law 6 Clouser Rd Mechanicsburg, PA 17055 RE: Estate of Robert L. Young, Sr Date of Death: 11 /15/2010 Dear Mr. Shields: Per your request, enclosed please find the account information as of the date of death for the above-named decedent. For your information, accrued interest is not included in the date of death balance. Please feel free to contact me if I can be of any further assistance. Very truly yours, ~ k ~l - 1~~... `nom"--`~'~~~~ Helen Alboth Lead Specialist 617-514-5189 1~ Sovereign Bank ESTATE OF Robert L. Young, Sr. SOCIAL SECURITY #: 201-16-4885 DATE OF DEATH: November 15, 2010 Account #: _ In the name of: 0921705662 Type: Checking Open date: 7/11/1988 Robert L Young and Hazel M Young Living Trust - Robert L Young -TTEE Hazel MYoung -TTEE Date of Death Balance: Int.(YTD) from 1 /1 /2010 Accrued interest to date of death: Other Info: $70,160.63 to 11 /7/2010 $1.97 $0.11 Account #: 0925156564 Type: CD Open date: 9/15/1998 In the name of: Robert LYoung - John C Sullivan Funeral Home Date of Death Balance: $2,035.93 Int.(YTD) from 1 /1 /2010 to 10/31 /2010 $14.18 Accrued interest to date of death: $0.49 Other Info: Page 1 of 1 2a Mar. 10. 2011 9 :13AM P"'" BANK 412-705-2747 ~~ LEADi#~THE WAY March 10, 2011 Charles E Shields III Esq. Attorney at Law 6 Clouser Rd Corner of Trindle ~ Clouser Mechanicsbwg, PA 17055 RE: Robert L Young SSN: 201-16-4885 DOD: 11-15-2010 Dear Mr. Shields: No. 1184 P, 1/2 J ~^ [I~ In response to your request fox Date of Death (DOD}balances for the customer noted above, our records show the following: Savings Account Accouni # 5111998902 Established: 09-15-2006 ROBERT L & HAZEL M YOUNG REV LIV TST ROBERT L YOUNG TTEE DOD balance: $11,064.19 + 1.82 accrued interest Interest paid 01-01-2010 thru 11-15-2010 $ 29.12 YTD Please note that this office provides date o~ death balances fox deposit accounts (TRAs, CDs, Checking and Savings). We do not process any financial transactions or provide statements. If you need assistance with any of these items, please call 1-888-PNC-BANK (1-888-762-2265) or stop by your local PNC Bank branch office. Sincerely, National Financial Services Center PNC Bank, N.A. Me~anbez FDIC Page 1 of 2 ~/ Mar. 10. 2011 9:14AM P"'~ BANK 412-705-2141 No. 1184 P. 2/2 This message is intended for the use of the individual or entity to which it is addressed and may contain information that is privileged, confidential and exempt from disclosure under applicable law. If the reader of this message is not the intended recipient or the employee or agent responsible for delivering this message to the intended recipient, you are hereby notified that any dissemination, distribution or copying of this communications is strictly prohibited. If you have received this communication in error, please notify me immediately by reply or by telephone at 800-762-1775 and immediately destroy this faxed document. Page 2 of 2 2Z REV-1511 EX+ (10-06) SCHEDULE H COMMONWEALTH OF PENNSYLVANIA FUNERAL EXPENSES & INHERITANCE TAX RETURN ADMINISTRATIVE COSTS RESIDENT DECEDENT ESTATE OF FILE NUMBER Debts of decedent must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: 1. ~ //, OG(~. of .Toti„ C. s~.il-Yun ru..~ MaMe ~~ ~ r--ola Csee ~~em ~ s~u/ G- 2- G%n ric,~ /Yleititoria,~s Ceymefcr ~scr, 1S'©~ ~ J ~~ on ~ y ~ 3, ,//d ~1 i ~i o ~a ~ ~ e ~ i~rt, ~i t~t.r Se rn cn-ts ~ ~S'~//.',~ ~ {u -~e-"R 1 ~Yo~r~C (xe ~rffa Lui!) ~6 2 S, g7 ~ . ~Gll7 era /~C4~ d~' fi~ i'c Ga men ~s e e a f/~ t/re~) ¢s`f /, Zq B. 1 2 ADMINISTRATIVE COSTS: Personal Representative's Commissions Name of Personal Representative(s) ~~~~ Street Address ~7 07. ~Q~' KC city /11 ecfian ~ cs bU ~ a Year(s) Commission Paid: _ !/Q i t/e Attorney Fees C~iar~es r--. sh~elc~S f' (esh:,+-~ I ~`d~ ,~,~~, a~ 3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation} Claimant ~~~~f L• ~D _,__ ~r`• _ _ _ Street Address /~~7 s• /~?a~ke S~• nn ~~CL12'rl/CS~GlY'4 State f/"~' Zip /~~S.S' City - ~l, OD Relationship of Claimant to Decedent _ SDi1_ _____ 4. Probate Fees ~ Drr 111u~ I SSue ~ cS~Dr~' C~f'I r1tj~Ca~s ~ -]~, SD 5. V Accountant's Fees Fioy~ ~~nesfack, of f~eeounfi/ly A$SOC-~.Si " - ~ J pep. e,~l~~ off mecham.-csbu P~- -~oss ' ~ 350. vo 6. Tax Return Preparer s Fees ' ~~-D, pf~ ~a ~. ~ e'• M b hr~ me~f ~ Charles E. sl, ~ e Ids ~ ~ ~- ~sfi of d ~'Q ~vtil Nub"on ccf caDVerei9h /3r~~ ~~o, o-o p_ ~i~%rIq ~Ee /D ~i~iS~" o~ ~i/i~~S 1 / l ~ •0~ 6llhSP.JNeitf ~ ChQ~/~s L~ S,Ci~G~a~S ~ 7~r ~Jabla~e~ CC~~.~ ~C~/~1 fi1c i~ ~~5~ /J,~tOfOC4/.I~eS ~e~ ~i•M~ ~/ z O..Sn TOTAL (Also enter on line 9, Recapitulation) $ /(D~ D ,~' 3 , 2 7 L. yo tin q , ,Tr. eSf: State ~ Zip /7 o_SS_ (If more space is needed, insert additional sheets of the same size) 23 STATEMENT Jnl~n (~. ~ulliuttn ~unerttl ~}Inme 51 N. ENOLA DRIYE ENOLA. PA. 17025 PHONE 732-5400 Nov 17, 2010 Robert L. Young Jr. Patriot News (Obit) $175.97 100.00 Rev. Gentilman 100.00 Organist 250.00 Additional Cemetery Total Thank You $625.97 Z ~' PA Oepartii~ent of liea I th 625 Forster Streets Rm129 Health and Welfare Building Harrisburg, Pa (717)-772-3481 02-03-~Oll THU #0 fiy 9.00 Death Cash 54, 00 TOTAL 5 4 , O O CATEND 60, 00 CHANGE 6, 00 ITEM 6 davshift 4769 10~30TM .~ ~a OLIVE GARDEN 1L+71 6520 Carlisle Pike Mechanicsburg, PA 17055-5251 Check # :28813 Tables 50 Nena S 14:08:42 11/18/2010 Gst 22 Guest No.1 1 ioz Chardonnay KJ Vintners 1 G Kendal Jackson Chardonnay 8.95 1 L Eggplant Parmigiana 8.50 1 * Salad 1 Dipping Sauce 2.95 Boat Marmara 1 ioz Chardonnay KJ Vintners 1 ioz Chardonnay KJ Vintners 1 G Kendal Jackson Chardonnay 8.95 1 G Kendal Jackson Chardonnay 8.95 1 Coffee 2,25 1 Italian Cappuccino 3.95 1 Add OG Syrup 0.75 Vanilla 1 Patron Silver 7.25 Guest No.2 1 ioz Chardonnay KJ Vintners 1 G Kendal Jackson Chardonnay 8.95 1 L Shrimp Primavera 10.75 1 Salad 1 Romana Sambuca 5.65 Guest No.3 1 Iced Tea 2.35 1 L Grilled Shrtmp Capresc 12.25 1 * Salad 1 Apple Crumble Crostata 5.95 Guest No.q 1 Bellini Peach Tea 2.60 1 Grilled Shrimp Caprese 16.25 1 * Salad Guest No.5 1 Soft Drink 2.35 1 Sacchetti with Chicken 13.95 1 * Salad Guest No.6 1 Bellini Peach Tea 2.60 1 Sacchetti with Shrimp 14.95 1 * Salad Guest No.7 1 Water 1 Sacchetti with Chicken 13.95 1 * Salad Guest No.8 1 Iced Tea 2.35 1 L Chicken Alfredo 9.95 1 * Salad Guest No.9 1 Water 1 Parmesan Crusted Bistecca 16.25 Medium Well 1 * Salad 1 Apple Crumble Crostata 5.95 Guest No.10 1 Raspberry Lemonade 2.60 1 L Lasagna Classico 8.95 1 * Salad 1 Italian Cappuccino 3.95 Guest No.11 1 Iced Tea 2.35 1 L Soup & Salad CknGnocchi 6.95 Guest No.12 1 Iced Tea 2.35 1 L Lasagna Classico 6.95 1 * Salad Guest No.13 1 G RM Woodbridge Chardonnay 5.65 1 G RM Woodbridge Chardonnay 5.65 1 Water 1 CYO Sampler 3 9.75 Chicken Fingers Calamari Stuffed Mushrooms 1 L Tour of Italy 15.75 1 Sub Caesar Salad 2.50 1 G RM Woodbridge Chardonnay 5.65 1 Triple Chocolate Strata 5.95 ~~ __ Guest No. i Bellini Peach Tea 2.60 1 Sacchetti with Shrimp 14.95 1 * Salad 1 Dipping Sauce 2.95 Boat Alfredo Guest No.15 1 Child Ravioli 4.75 1 ,Add 1 Meatball 1.70 1 * Salad Guest No.16 1 Child Ravioli 4.75 1 Add i Meatball 1.70 1 * Salad Guest No.17 1 Beiiini Peach Tea 2.60 1 CYO Sampler 3 9.75 Calamari Toasted Ravioli Stuffed Mushrooms 1 L Braised Beef Tortelloni 10.75 1 * Salad Guest No.18 1 Water 1 L Cheese Ravioli 8.25 Meat Sauce 1 * Salad 1 Dolcini - 3 6.35 Amaretto Tiramisu Chocolate Mousse Limoncello Mousse 1 Child Sundae 1.65 Raspberry Topping Guest No.19 1 Child Pizza 4.95 No Toppings 1 * Salad Guest No.20 1 Soft Drink 2.35 1 Sacchetti with Shrimp 14.95 1 * Zuppa Toscana 1 Lemon Cream Cake 5.75 1 Coffee 2.25 Guest No.21 1 Iced Tea 2.35 1 L Eggplant Parmlgiana 8.50 1 * Salad 1 Tiramisu 5.65 Guest No.22 1 Iced Tea 2.35 1 Soft Drink 2.35 1 Calamari 8.75 1 Sicilian Scampi 10.25 1 L Chicken Alfredo 9.95 1 Zuppa Toscana ID # 9671 43716 9907 Subtotal 439.70 Sales Tax 22.44 Grarti-+i -tv 79.15 14:08:15 11/18/2010 Please pay this amount Tra-ta l 541.29 D i n~ In THANKS FOR VISITING US TODAYt GRACIAS POR VISITARNOS HOY1 Michael Stiitner GENERAL MANAGER (717) 796-1140 An optional 18X gratuity will be added to parties of 8 or more. Una propina opcional de 18X ser agregada pare grupos de 8 o mas. -------------------------------- - ------ 2T .Gingrich Memorials 5243 Simpson Ferrv Road Mechanicsbur4, PA 17050 (717) 766-5622 Robert Young, Jr 217 S. Market St. Mechanicsburg, PA 17055 4/12/2011 12-20675 1 /24/2011 Robert Young Ron Colvin 1 1 Cemetery Inscription ~ianl~yoZy your memoriaCor cemeter inscription is nisFie~ Order Total: $145.00 Payments: $145.00 Balance Due: $o.oo ~~ 03/25/2011 08:13 7172581771 FAHNESTOCK ACCOI:TNTING .ASSOCI,A.TES 189 W. LISBU~:N R.D. CARLISLE P,A-. 17015 PONE 717-25 8-671 Match 25, 2011 ROBERT L YOUNGr SR. ROBERT YOUNG JR. 2 ~ 7 S OU~`~ MARKET STREET MECHANICSBiJRG f'.A~ 17055 ~'or pro~essioz~a~ services rendered in connection with the preparation of youx- 2010 taxes TOTAL AMOUNT NOW DUE $350.00 PAGE 04 ____ ~ - 104 Estate of Robert L Young sosz2ans,s CIO Robert L Young Jr - 217 SMarket St ,,~~ ~~ a ~~. ~c»~_ Mechanicsburg PA 17055 ~ ~a~e _ ~ ~sv _~ Pay to the sa~~„„ Order of ~' F°°'~~°' ~,~ Dollars ~ ~~.:~_ ~~ _ w .St. MEMBERS ..1st •FEDERALCREDiT iJNION _ ~ .. M - _.. - _.__.___......-._.___...__M' ~--- - ~:~23L3822~+L~= 2~8~,LL3633~~' OL04 L `~ CHARLES E. SHIELDS, III ATTORNEY-AT-LAW 6 CLOUSER ROAD Corner of Trindle and Clouser Roads MECHANICSBURG, PA 17055 GEORGE M. HOUCK (1912-1991) November 7, 2011 Samuel L. Andes Attorney At Law 525 North 12th Street PO Box 168 Lemoyne, PA 17043 Dear Sam: TELEPHONE (717) 766-0209 FAX (717) 795-7473 Please be advised that I met with Bob Young, Jr. and Dave Lyon in my office on Friday, November 4, 201 1. I am enclosing the following items provided by Dave Lyon (the penciled notes on these items are my notes from the discussion with Dave. These are designed to make the navigation through the documents a bit easier). 1. Ameriprise IRA Account No. 49676653: Statement tabulation. This shows the initial IRA deposits and then distributions to the three (3) beneficiaries. 2. Ameriprise IRA Account No. 49645641: This shows the original investment amount of $108,99015. It also shows a $39,000.00 withdrawal. This withdrawal represents the amount of $13,000.00 gift to each of the three (3) children. It also shows all the usual account transactions which may or may not be of any specific interest. 3. Dave's printout showing the only two Ameriprise accounts. Dave also provided a specimen printout showing his notes and the general manner of direct distributions. He~used Cynthia's as a specimen. We will show this to you but would prefer not to circulate copies of it because of the personal code numbers and the like which appear upon it. Dave is going to obtain copies of the pertinent materials and statements regarding Bob Jr.'s account. It turns out it is true that Bob Jr. did get $62,000.00 from Ameriprise but this was a bulk withdrawal of his personal retirement account in connection with a purchase of property in Georgia. Bob Jr. is quite happy to show these items to you once we get them from Dave. However, he does not want to make or circulate copies. 3~ Samuel L. Andes November 7, 2011 Page 2 I am also enclosing a set of account statements regarding the Living Trust Account at Sovereign. I suggested ~to Bob Jr. that it might be more efficient for all involved if you get a chance to study through all the documents at your leisure with your client. These will likely answer some of your questions and will perhaps create some additional ones. Once you have reviewed all this and had an adequate chance to outline your questions and concerns, please give me a call. By then I will most likely have received the balance of the materials we want from Dave Lyon. Bob Jr. is amenable to meeting with you and me in person so as to be able to personally go over your questions and provide explanations in general and address some specific points at issue. He has informed me that not all of the proceeds from the sale went into Ameriprise. He wants to meet with just you and me and his other sister, Cynthia, and not Belinda. Given the current family dynamics this is no doubt a better and safer approach for all concerned. It is one of those unfortunate situations where perhaps the less said the better. Your secretary had asked me if I intended to amend the Inheritance Tax Return to correct my mistake on the funeral account and total amount billed. I do not plan to do that yet as it may be caught by the auditor at Revenue and corrected by closing letter. Also, as we work our way through this it may turn out that other items will arise (e. g. lifetime gifts) that will require a supplemental Return anyhow. Thank you. Very truly yours, Charles E. Shields, III Attorney-At-Law CES/mjj Enclosure cc : Robert Young, Jr. Cynthia Rigling d~ ~P ~ a t\O -~ O ~ ` ~ ` .~ N ~ N -~ N o N 0 N o N p • p~ ~ N O -~ 00 --~ C\T N ~ j ~ ~ ~ j ~ O OD O 00 \ O Qo ~ ~ ~ O 1 O ~l O ~ O ~ O ~ O ~ O ~ -a ~ .l ...a ~1 ~ C`D O ~ ` .~ \ N ` \ ~ N o ~ w ~ c` N ~ ~ ~ -~ ~ ~ ~ O o0 O 0o O w Q ~ 0 0 0 0 0 0 0 ~ ~ -~ p d m o N ~ O ~ ~ ~ N -~ N ~ N 0 0 o y ~ o `o c`n N ~ ~ ~ ~ O ao O 00 O 00 ~ ~ c O O O O O O O ---• ~ .~ ~ p i d rr f7 C7 C7 n n n n C3 (7 C~ D v V~ v f~ v fA v lR ~ (A v !n v !!~ v !~ v fA v u~ ~ A ~' S ~' ~ ~ ? ~ ~ ? S ~' 1 ~ 1 .O W ~ 2 = 2 2 2 2 2 2 = 2 ~ w z z z z z z z z z z r r r r r r r r r r i O~ NG~ O~ ~~ ~~ °G7 ATI rn? N-~ rn~ N~ rn~ N---{ rn~ <-L ~ Z LL ~Z L~- ~Z v t~D» O~ O~ O~ ~~ ~~ ~~ ~~ ~7 7 ~O (nO (nO '~ m m ~~ vm wm ~rn O m ~ ~ ~ N N N rn rn rn m O O O c c v rn rn rn , ° n ~ , ~ , ~ rn rn rn o v w w w w ' n~ a c n 3 .9 a 0 n co ~ O ~ v ~ v i N N O v N O v N O v ~ 00 ~ ~ ~ ~ O _ 00 ~! ~I ~ C11 CJl O ~ U7 ~ .0-- ^D ~~ O rn-DC w ~T N C VJ C7 O D n O W m -~ rJ 1 O C N v D m z 0 0 w N 0 J Q CO O W m 4 a s J a ~'° ~~ G~ ~~~• +~ 1 Y n a' a ~; ~~ e { r >~ ,~ ,r T"'~~. ~'' ~`'' ~~ o ~ ~ ~ m ~ m ~ ~c 3 O N C N ~. ~ o_ ~ ~ O O O ~ CD N ~ ~ pip O O n 7 fD D m ~ n o m ~, ~ c~ 3 m a ~ N m ~ m ce ., 3 ~ ~ S o 0 <p' ~ N N 3 N n j CD C _o ~ N a N ~ ~ O W < N D o ~ = c ~ m cep '< ~ ~ n m 3 C ^ II7 O. v, ~ ~ ~ a y CD N ~ ~ ~ ~ O _d ~ ~ ~ 7 7 c 3 a N 7 C ~ ~ ~ ~ O_ N N D- Q CD d l ~ ~C -w N Q N (D ~ ~ O ~ ~ N C 3 (Q N C ~ d !p C ~ ~- N ~ y d O Cp' 7 ~ ce o o N a c t0 m ~' ~ N O fD ~ O cD fD cNa N ~. . o d ~ g _ ~ ~ ~ ~ C Q ~ (D (~ CD O 41 N C N C ~ ~ ~ t/~ a ~ m -o ~ Q T m O = ~ N -, m p CD O t~ ~ d S ~ Q ~ ~ ~ O CD N C O ~ 6 3 C (p o m ~ ~ _ 3 ~ 3 ~ D ~' ~- ~ ~ T ~ ~ m d o_ ~ c ~ o ~- ~ ~' N m ~ o a ~ ~ N CD ~ m d ~ `~ d ~ S C O N N n N ~ 7 O_ ~ CD (D O ~ N C y O O O 3 7 ~ O_ `G N (O ~ C n N N ~ 3 ~ (D 7~ CD (D 7 3 CD ~ d ~ N fU SU -• 7 3 CD ~ O W 7 d N 3 3 ~ N n = O 7 ~ O (p 3 Q O ~ N ~ m ~ o n ~ ~ 0 ~ ~. n N N ~ !1 C 3 CD n. d 7 o N ~ ~ m ~. O N m L A a N 3 ~ ~ ~ ~ N n~ 3 Q `TZ y 0 0 0 0 0 0 0 0 o p ..~ ~ ~ ~ ~ ~ O N N ~ ~ N N N ~ '"~ ~ ~ ~ . ~ ~ O O O O O O O O O O O 0 O O O ~ O ~ ~ r ~ ~ ~ N ~ ~ C`O ~ (~D ` ~, \ ~ W 0 0 0 0 0 0 0 0 0 ~ ~D O O N ~ A O ~ ~ 0 ~ ~ ~ C J1 0 0 O ~ ~ N N ~ ~ .... ~ N N N ~ ^) _ 0 0 0 0 0 0 0 0 0 0 ~ ~ ~ ~ ~ ur m z z z z z n ~ ~ ~ n ~~ ~~ N~ W~ ~~ ~~ ~~ ~~ ~ = oG~ ~G> NG) N +n ~G~ ~G~ ~G~ NG) m cn~ rn~ o~ o~ ~ ~ cn~ cow ~~ ~ O ~ O ~ O ~ O ~ _ O ~ O ~ O ~ _ O ~ . ~ o m m rn m m m m m ° m m m m m m m m m ' m ( ~ O O O) O O O Q1 D7 _ ~ ~ ~ ~ ~ ~ ~ ~ a) d7 O O d7 a) C7 O W W W W W W W W n~ ~ _ ~~ ° n A ~ D ~ 3 ~ o a ~ ~ ~ a 0 a ° 0 o o ~ ~ ~ w w 0 o w ~ co cfl cfl ~ N ~ o ~ cn v ~ ~, c~r+, ^~j 3' 3 ~, o ~, \ N N N N N N N N N N ~ R N N N N N N N N N N N ~p ~ ~ ~ ~ ~ ~ ~ ~ ~ O O O O O O O O O O O N N N N N N N N ~ N ~ o N N N N N N N N N Q ~ ~ ~ ~ ~ ~ ~ ~ o 0 0 0 0 0 0 0 0 0 0 0 ~ m ~ ~ ~ N N N N N N N N N N ~D ~ N N N N N N N N N N N :~ q ~, O ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ A 0 ~ p c 0 0 0 0 0 0 0 0 0 0 0 ~ .. c~ C7 C~ n n n C7 n n n n n D v cn v cn v vi v cn ~ ~ m cn ~ ~ v cn v cn o~ cn v cn ~ ~ < K C '~ cD ~ m m n n n n n n n n n ~ < < o 0 o v o 0 0 0 0 ~' i O 07 O ~ ~ ~ A ~ A N O ~l ~l ~) O O O W W W O W A A A N N N p ~ O O N W O Oo O c0 O OD O OD i U 1~ C Jt A Ti C W ~ f ~c ~ ~ N~ NQ N~ Np N~ Np NO N~ NQ Q cn ~m ~m ~m ~m ~m ~m ~m ~m ~m H O ~ r ,r ,r ,r ,r ,r ,r ,r ,r , ~m ~m ~m ~m ~m ~m ~m ~m ,m ~ v%~ w~ ooh ao%L7 v~7 w~ v%n w!~ w~ 0 < O O O O O O O O O ~ ~ m m Z z < ~ ~ a i OO O O ~ ~ ~ ~~ C /~ c n i v ~ y X X X ~ X ~ ~ ~ X yy X X ~ 0 0 00 N (D ~ W CD 1 f7 O O <D D 0 c °\!~ ~-. ~r, ,~ J~ D min omn ~ Z1 O rn C W~~ ~/ //\ ~ m -~ /c/^~ V/ (7 O D n m O m --~ r O C Z O N_ v D m -~ Z O G O W N O J J ~a 0 ti m -~ ,,.~. "~.7 *„~~. ~/+ 3 ~9~ 3~ ~- n ai ~ cD N m v `s o m ~ ~ T N O c. ~ N ~ d ~ cD <D ^ w 4U ~p C ~ n ~1 ° ~ ~' 3 3 n o ~ o~ m> j p c ~ ° ,^., ~• ao ~ o o a ~ ~. ~! D ~ ~ a o ~ ~ m m ~ m ~ ° W O N n vr' ~ ~° ~o m > > tWir m ~ co ~ m ~ ~ m ' ~ c°u c : n ~ ~ o n m ° ~ ~ cnu m v°~ ~ v n o N < y ~ ~ v°, ~ ~ o ~ ~ `~ ~ ~ `< vi (n v ~ ~- ~ ~ v s ~~ m n n N ~ m a a ~; ~ m ~ m d ~ o °' ~ ~ o ~ ~. m z 2 ~ ao =_~ a~ s~ ~, a ~ n N m .-O ~ O N pi N ^' ~, ~ O ~p C y ~ ~ C7 C fD n ~ C ~_ ___ f/1 ~ ~ ~ N fl/ O (D O ~ m o o ~' n ~ . ~ ~ T ~Q ~ N ~ ~ ~ 0 ~ ~ ~ ~ y 7 (D ~ CD ~ c ~ ~ co ~ c~ O d Vi C ~ C CD ~ y N a 3 m -o ~ ~ ~ d o = ~ .. _ -v ~ ~ °' ~ ~ cu a ~ ~ o D ~' ° - ~ o o ~ y c co ~ o -- ~ c m m ~ m ~ ~ ~ ~ ° o ~ ~ D = m ,~ ~ ~ c~ ~ m n -+ c m n ~ o w ~ ~ o `< °- ~ ~ m ~ ~ N N N 7 ~ ~ 3 m y m o 3 ~ O^ d D- ~ ~ O C N OM Q 1 ~ ~ ~ y 0 O d ~ ~_ 3 CD ~ n ~ N _- N ~ 7 ~ ~ d O 7 ..W. D1 N ~ 3 ~ d C1 O (p 7 N T of S Q m CD ~ o n -. o h o .~ v <. 2 coo O C i N o ~ ~ l ~ m ~a .fir co ~ N OWn ~ r+ ~ m O p rn~C cD . O O ~ ~ r ~ O ~ ! ~ ~ ~ -~ N o _ o -~ ~ y O ` A ~ C\D Q. lD O ~ c°o 0 o v d N I .. A ~ ~ I i ~ i N o ~ o "~ N ~ D ;t7 ~ o ° ~ :~ ~ a~i m c°o 0 0 v ~ ~ -~ s ~ F'D ~ c~ c~ c7 D ~,.;, ~-?-- ~ ~~ ~.> ai ~ ai n _~ = -~ ~ =: ~ et.~ ~ ~. r -f CAD ~ <D ~ ~_ ~ CD ~1 . >,. l J l J \ ! ' . 'i.... .. 2 T = T _ ~ f ,_~ m ~ z ~' _ ~; n W ~ j 0 W --- - `~,. ~ ~ .a _,~ 7s, f A = 2 N~ ~ ~ _ n n ~~ N ~ ~ ~ m O m ° O r ~ cD ~`~., ~ Z c~J, . '~ A '~ 1 • /N C~ cn 3 1 , 1 n ..~ ~ OD cfl D O O N ° ~ O OD C V1 O O ~ ~; ~. ~~ ~y~ ~~ ~---~ Z 0 O W N O A W W O m 1~. ~• r. fl~ P,..._..,,~* ~ ~ ~~ -. ti ;,,~. !moo 0 0 0 0 0 0 0 0 o p ~ ~ ~ ~ ~ ~ ~ N N OD ~ f w w w w w w w ~ -~ w ~; .1 ~ ~ ~ ~ ~ ~ \ 1 ...1 \ ~ ~\ \ .~ ~ \ ~ ~ ~ \ J O ~ O O O O O O O O O O -~ ~a ` ~ ` J \ ~- \ ~~ ` ~ ` ~a ` N N Oo ~ W W W W W W W O Q ~ ~ ~ ~ ~ ~ ~ W W ~ j ~ p 0 0 0 0 0 0 0 0 0 o u~ ~ ~ ~ ~ ~ ~ ~ N N 00 lD w w w w w w w -~ ~ w ~ ~ o0 0~ 0 1 p ~ a~ «, v v ~ v C7 n n v v v n ~, ~, i a ~, ~, m m m ~, ~, ~, ~ ~' S 7' S Q d ' d S ~ S .-- ~ r: r ~ ~ > > > ''G ~ N CAD ~ CAD ~ ~ ~ i CD (D CD ~ .. ~ .~ ~ .+ [n [n In Cn Cn ~ Cn Cn ~ ~ ~ I 2 = 2 2 = = 2 2 2 ~ ~ ~ c_ ~ ~ ~ ~ ~ c_ ~ N Z Z Z Z Z Z Z Z Z Z r r r r r r r r r r A c~Z G~Z r7Z ~rn ~Z ~Z ~Z ~~ ~= D~ N r r r C r r Cr ~ ~ Z ~ m m m T m m _ ~ m ~O ~O ~O ~~ ~O v~0 ~O x X n ~° N N N O N N N m m m~ ~ ' rn rn rn ~ rn ~ rn Z Z w < < m ° ~ C° o ~° ° v ~ m W o c o o c i~ 00 o cfl co 00 0 -~ n~ N ~ _ ~~ O n ~D W W O O N N N J ? .~ N ~ O w W ~ N N . N W ~ . N ~ C ~ c 0 c 0 . + 2 mOcDi ~ rn pp C7 ~ CT ~ C ~ r ,,, ~} O C y,~ Z - we• / ~ ~ O 3 N ~• v ~ ~ D n ~ m s cn a 7 J 3 a Z O O W N O J ~f O A N W v m ~~ 0 0 0 0 ~ .~ ~ ~ ~ ~ ~ ~ ~ ~ ~ o ~ O V Oo c0 O -+ ~ N N N N N N N N ~ p'. N N N N -~ ~ N ~ -~ -~ ~ ~ ~ N N W ~p -~ 07 W O OD Ch ~A. W W W W W W ~l ~l ~ ~ O ~ O ~ O ~ O ~ O ~ O ~ O ~ O ~ O ~ O ~ O ~ O ~ O ~ O ~ O ~ I ~ rn ~ ~ ~ o ~ ~ N N N N N N N N a~ i N N N N -+ ~ N ~ ~ ~ -~ -~ ~ N N W Q -~ O W O 00 CJ~ ~A W W W W W W ~1 ~l ~ ~ O O ° O ° ° O ° ° O ° O ° ° O 1 ~ r / 0 0 0 0 ~ ~ ~ .~ ~ ~ ~ ~ ~ ~ ~ o N W v Oo cD O -~ ~ N N N N N N N N ~ cfl N N N N ~ ~ N ~ ~ ~ ~ ~ ~ N N W :~ ...1 ~ W O W CJl A W W W W W W rl ~l ~ O O O ° ° O ° O ° O O O ° O ° ~ ~ r~ N N N N N ~ ~ ~ ~ ~ ~ N ~ ~ ~ N A ~ ~ (A ~ fA ~ to s fR ~ fA ~ fA ~- !A ~ ~ a ~ a !A s In ~ N ~ a (A ~ a fn s n ~* ~ 7 ~ ~ " CAD CD N N a CD (D (D (D f7 C7 C7 C7 C7 C7 C7 n C7 C7 C7 C7 (7 C7 C7 C7 ~ = 2 2 = 2 2 = 2 = 2 2 = 2 2 2 2 3 L L L L L L L L L L L L L L L L W Z Z Z Z Z Z Z Z Z Z Z Z Z Z Z Z r r r r r r r r r r r r r r r r A r . o~ o~ o~ o~ o~ -~~ A-n ~` '~~- ~` ~` '~~- ~` C~~ -i 'U~- O ~' G) a' G~ N G~ N n ~ ~ ° G7 rn Z p ~7 p ~7 G~ ~ G~ Z7 p :U p ;(7 y Z7 O p Z7 <D ~ ca A + ~ o rn Ar C~ C~ C~ C~ C~ C~ tn0 C7 C~ ~ d ~ ~ ~ ~ ~ _~ ~ o-+ o~ o~ o'i o~ o'er rn ~~ m.~ m~ ~rt~ m,.~ m~ ~ Ln~ ,~ ~ ~ ~ -n ~ ~ ~G7 cnp inp top cnp inp inp D = cnp .~ m m m rn m m ~ m -~ ~ ~ ~ ~ ~ ~ D ~ ~ A !~ A A A A '' ~l O O O O W O :U (7 O cfl co cD cfl cfl m "rrt ~ ~ ~ -' -~ ~ .~ n -' rn rn rn rn rn rn , m .A ~. w A .A w m p w co A cn A cn A cn A cn A cn A cn ° o o w ~ co ~ o o w v ~ ~ C rn rn rn rn rn rn o o m w o co ~ Z cD A A A A a A ~ ~ ~ ~ ~ ~ m ~ c~~ ai 3 ~ Q. 0 A ~D in ~n v, ~ '~ ~ 3 ° o ~' N w w w ~ ~ w o c i, n c w w c i, rn - -~ cn cn cn . O . cfl ~I Oo N -~ cD ~ ~ O O O ~ O O W ~ do O A ~ W ? ~ Oo Oo O O O O~ ~l rl OD ,~- ~7 n < ~ N ~. ~ ~ ~ K ~ ~ O C7 ~ ~ ~ ~. O ~' ~' v ~ co N o o ~ c~ ~ ~ a Q CT R1 ~ ~ ~ ~ O ~ ~ .~-. ,~-. ~ ~ .. O O C7 ~ N S d O ~ ~- ~ ~ ~ a l ~ ~ m :°. N~ ~ ~ ~ ~ ~ ~B ~- 3 ~ n ~ ~ ~ N .~. O Q fD ~ 7 n ~ ~ ~ d !Cq v n O N ~ y D o c~ - c ~ 3 ~ ~ ;I] ~ ~ ~ °~ n m ~n ~ ~ ~ a ~ ~ c~ n n ~; c~ ~ can at ~ o m Z ~ ~ o ~ ~ m ~ a < ~~ co n ~ g moo: ~ a m ~ ~~ ~' Q a m Q N ~ ~1 ~ O ~ m fD T1 ~ ~ C m fD ~p d N cC a' ~- O f~ Vi N ~ ~ d n N ~ C fD O O O_ N N ~ ~ N p cOD ~ O O W w N N ~ - ~ ~ v ~ .~ ~ ~ C p' ~ CD C7 m O ~ ~ C N O O Z ~ y n ~ m ~ ~ ~ ~ v O = `G .. ~ ~ s O ~- fD 0 O ~ n ~ ~ ~ (D D q O CD 3 0 0 ~ w+ c m ~ ~ 3 C (p m ~ ~ ~, s 3 3 y o m ~, m ~, D = ~ ~ 3 m ~` ~ m n ~ c v o ~ °- n~ m ~ O ~ m -, a ~ 3 ~ ~ (D d ~ `~ m- ~ F ~° v o v Q ~ ~ - ~ o ~ N C ~ a O o ° ~ ~ ~ ~, o ~ ~ v c ~ ~ o n~ ~ ~ w m ~ m m Q ~ N d -• 7 ~ ~ d ~ _W 3 N ~ 3 7 `~ ~_ 7 ~ O ~p 7 Q CD ~ 3 Q ~ CD .~ O 3 ~ ~ ~. n ~ N ~ A C 7 N n. d 7 O ~ 3 ~ 4' A o y L n O ~ N fD Q ~ m m ~ ~ ~ m a ~Z7 D 0 0 0 o p N W A C` p~ - _a _a r* ~D N ~ ~ 0 0 0 0 +Ij t O O O O N ~ ~ ~ N ~ ~ fl. N N c`D ` ~p p O O O O ~ N N W A CJ1 N N ~ ~ ~ ~ ~ N N c\D = ~p 0 0 0 0 ~ N ~ N N n ~ N ~ ~ n ~ ~' 3 ? ~'* ~D n n n n ~ _ _ _ _ ~ L L L L N Z ~ ~ ~ A O ~ O ~ O ~ O ~ 7l "T1 ~l "T1 ~ m m m m ° ~ ~ ~ ~ ~ ~ ~ ~ rn rn rn rn .~ ~ ~ ~ n~ ai 3 ~a O ~ _ n O Cll CJ1 W CJ1 W U1 W ~ N O ~ C ~ O 0 W . ~- ~~ _... ., v ~ N \ N \ N \ N \ N \ N \ N \ N \ N \ N \ ''~ ~ 0 ~a 0 ~ 0 ~ 0 ~ 0 ~ 0 ~ 0 > 0 ~i 0 ~ 0 N N N N ~ N N `V N N ~ N N N N N N N N N N Q ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~D O O O O O O O O O O c ~ N N N N N N N N N N ~p ~ N N N N N N N N N N :~ ~ O O O O O O O O O O c ~ r- C~ C7 C7 C7 n n n C7 C7 C) D n1 m n1 m n~ v v n~ v w ~ (A S N S U7 S !A S lA ~' fn S CA S f0 S (A S N S (~ •~ ~ ~ i '~ ~ ~ m m m m m m m m m m ~ ~ n n ~ n n n n ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ 0 ~ N W ~ ~ ~ N N N ~ ~ A O O O W W W ~ ~ ~ W W O A 0 rn ~ ~ A A ~ ~ W 0 31 0 c D C D N D N ~ N ~ N ~ N D N D N ~ N ~ N ~ N ~ ~ 0 m 0 m 0 m 0 m ' 0 m 0 m 0 m 0 m 0 m 0 m ~r ~ ~ d ~ ~ ~r Wr ~r ~r ~r N ~< r WC r ~< ~ r ~< r WG - ~< ~< WG ~< ~< A ~m ~m am Wm ~m ~m Wm ~m ~m Wm ~ ~~ ~~ ~~ Joy ~~ ~~ ~o~ ~~ ~~ o~ ~ ~ ~ ~ ~ ~ J ~ ~ a ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ O O O O O O O O O O m D D D D D D D D D c~ cn -i r r r O O D C7 C~ C) C`< v 3 X ~ ~ ~ ~ ~ ~ ~ X ~ ~ o A O C 7 1 ,A ~~ (,~ '_~= _ r ~`- .~ 2 ~On ~ ~ o W C7 O ~~~ `~ v r ,-. O C Z >_ G7 N v D D ~ ~ m S s ~ Z 0 O W N O O cn v~ A m i~'~ t"D s•~ ,~..+. ~~ ~• ,~. Q ~• ~~ N N N N N N N N N N N N N N N N p~ N N N N N N N N N N \ N \ N \ N \ N \ N \ N \ ~p \ ° \ ° \ ° \ ° \ ° \ ° \ ° ° ° ° ° ° ° ° ° ° N N N N N N N N N N N N N N N N p_ ...i ° ~ ° ~ ° ~..i ° ~ ° ~ ° ~ ° ~ ° ~ ° J ° ~ ° .l ° ~ ° ~ ° ~ ° ~ ° v '- ! N N N N N N N N N N N N \ ~V N \ N N \ N N \ N N ~ ~V N ~ `J N ~V N N N N N ~V N ~p ~ t ° \ ° \ ° \ ° \ ° ° ° ° ° ° ° ° ° ° ° 0 K (7 v In 3 C) v (n 3 C7 v !/~ ~ C7 n~ (A ? C7 v (J7 3 (~ m fp ~ C7 v fn ~' C7 m fn S C7 ~ (A ~ C7 m lA 3 C7 ~ (n S C7 v lA S C7 v fA ~ C7 v (A ~ C7 ~ N ~ C7 v (n ~' D ~ ~ m n ~ m r m n O m r m ~ ~ m r m ~ D m r m n ~ m r m n O m r m ~ ~ m r m ~ ~ m r m n ~ m r m ~ ~ m r m n ~ m r m ~ ~ m r m n ~ m r m n ~ m r m ~ ~ m r m ~ ~ m r ~ N ~ A ~ A ~ ~ ~ ~ ~ ~ ~ ~ A ~ ~ A .~ ~ A N ~ O~ N -. O~ N -- O ~ A ~! ~ A ~! ~ A ~! W ~l A W ~I A Qp W Oo pp W ~I ~ W A ~ W A ~ W A ~ ~J c0 ~ ~! OJ ~ ~l OD ~ N O ~ N O O N 07 N CJ1 W N V7 A N CJt W O O CJ1 O O CJl A N ~ ~m rn ,r ? C °m o°o~ ~ O N 0 °m rn ~r A C Wm Job ~ O N ~ °m rn ,r W< ~m ~~ ~ O N ~ ~m rn ,r A< °m ~~ ~ O N ~ °'m rn ,r A< Wm o~ ~ O N ~ °'m rn ,r W< ~m ~~ ~ O N ~ °m ° ,r A< °m ~~ ~ O N ~ ~m rn ,r A C Wm o~ ~ O N ~ ~m rn ~r W< ~m °~ ~ O N ~ ~m rn ,r A< gm °~ ~ O N Q ~m rn ~r A G ym °~ ~ ~ O N D ~m rn ~r A G ~m °~ ~ J J O N D °~m rn ~r W G ~m <°~ ~ O N 0 Q'm rn ,r A G gm °°~ ~.i O N ~ °'m rn ,r A G ~m °~ ~ O N Q °'m rn ,r W G ~m cfl~ ~ O 0 ~ w ~ '~, -a ~ 0 X ~ o X ~ ado x ~ ~ x ~ oho x ~ X ~ x ~ x ~ °- X ~ v_ X ~ ~ X z ~ x z ~ x z ~ x m ~ X m ~ x ncn ~ 3 '9 c c~ 0 c .r ~~ o ~ ~ y m ni ~ ~ ~ ~ ~ ~' S ~ N C N ~ ... o n ~ ~ o °o °~ co m ~ o_ v, ~ ~ ~ ~ a o ~ ~ ~ ~ a pip ~ O O n-3+. D y ~ ~ o ~ °' co- cso co 3 ~ ~ N n j ~ ~ T v," ~ ~°- ~ oSi 3 cp ~ co -o ~, °i a~i ~ ~ c~D c m ~ m a cu -, ~ ~ q ~ ~ ° v ~ S ~ ~ ~ D o rn C ~ ~ ~ ~ ~ cP o o_ ~ ~ ~ ~ ~ ~ o_ y n a ~; ~ ~ ~ m 3 0 m N ~ O ~ ~~ ~• 2 0 ~ o w m ~p °- < ~ m a o ~ o: ~ ~ C m cu. w a m y ~ ~ Q n m m ~ ~ `< o ~ a m m ~ O N y N ~ ~ O ~p C p~ ~ ~ o7i ~ m n v~ c ~ - ~' ~ h d m m °' -o (D O O y d O ~ N ~` O y O cD ~ O O N ~ ~ y ~_ 0 `~ `~ 6 ~ m ~ m O ~ N c ur ~ ~ ~ ~? m a 3 m v m ~ ~ °' ° - - a ~ ~ °' -,- m a 3 ~. m D ti a _ N C p ~ d Q ~3 C (p o m ~ ~ _ ~ 3 3 ~ ° ~ m ~ 3 °'- ~ j m y n m c c~ ~~ a N ~ ~ o o_ 7 ~ 3 C_ ~ ~ ~ < ~ ~ ~ ~ 7 a Q ~ ~ CD - 0 0 ~ N C ~ O_ O O O 7 ~, o ~ ~ °~ c ~ m o d ~ ~ ~ rn x m rn m o_ ~ v d ni -• ~ ~ ~ o_ o w ~ ..., a~ ~ ~ ~ ~ o> ~ = o ~ ~ o c~ v rn ~ d 6 CD N Zl o C7 -• O 3 a ~ ~ 7 n ~ ~ ~ ~ A_ d o ~ 3 ~ m ~ w :. o ~ n ~ ~ ~ w ~ m 7 n T Z ~ N N N N N ~ ~ N N ~ ~ N ~ ~ ~ _ O _ O _ O _ O N N N ~J N N N N p_ ~ ~ ~ ~ <D 0 0 0 0 o ~ ~ ~ ~ ~ N N N N .~_ ~ ~ ~ ~ O O O O v ~ v N N N A fp ~ lA s (A ~ In ~ C1 .+ ~D n n n n ~ m m m ° y m r r r r t ~ ~ ~ O ~ ~ O i ~ ~ c O c D A tWD Oho c~D v rn ~ rn ~ v ~ m m v °~r ~r ~r °~r v- WG ~< ~< W< ~m om ~m ~m ~ ~~ ~~ o~ ~~ O O O O C~ ~ X X X _ ~O X n ~D 3 C 7 .~ ~/ N N ~ N ~ N ~ N N N N N N N N ~ O N W W W N O N O N N ` N ` N ` N ` N ''* ~ O ~ O ~ O J O ~ O J O ~i O ~ O ~ O ~ O ~ O .__l O ~- ~V ~ N W ~ N ~ W ~ N ~ W ...f `V N O ~l `V N O ~ ~ N ~ 1 LJ N ~ J ~V N ~ ~ N N ~ .l N N ~ ~ N N ~ ~ a ~D 0 0 0 0 0 0 0 0 0 0 0 0 v ~ ~.i O ~ N ~ N ~ N ~ ~ ~ ~ ~ ~ ~- J ~ ~ ~ ~ N N N N N N N N ~ :~ ` W W W O O ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ I 0 0 0 0 0 0 0 0 0 0 0 0 v ~ '.. (~ C7 C7 n n n C7 (~ C7 C7 C7 (~ D m v m v v m v n~ v v v m ~ m ~ cn cn cn cn N u, cn ~ cn cn c~ ~ ~ ~D i m < rn < m < m < m < m < n o n 0 n o n v n o n o ~' ~ ~ ~ ~ ~ ~ ~ N N N ~ O O O ~ A ~ N N A A A N J ~ CO w ° ~ ~ rn rn rn p A n c ~ A c O A o ~ ~I ~ o v o v W N N K (p _ ~ ~ -< ~ ~~ D-< ~~ ;~~7 m~ <~ ~ X ~ ~ X N~ ~m , r_ ~< N~ ~m ,~ r_ o< N~ ~m , _r W< N~ ~m , _r w< N~ ~m , _r ~< N~ ~m , r_ o< ~ y ~ ~ X p < m 0 < m ~ m~ Z~ <n ~ v, o ~ ~ O ~ ~ m < D ~ ~ m < ~~ ~~ O ~~ -~~ O ~o~ ~~ O a~ -~~ O ~~ -~~ O o°,~ ~~ O ~ ~ cn 2 ~ X :U -G < X ~ ~ < X :U -< < X ~_ ~ X Z C ~ X < G7 ~ < G7 y~y X < G7 ~ (n ~ X (n ~i X (n ~i X n to UCi ~ ~o ~ rn rn rn w ~ Ul ~l ~J V CO ~I ~ C~ O O O O O O O cD O N O ~ n O O O O O O ~D O C .~- _ ~On ~ ~ OWn Amo ~ ~~c ~l vr;~* r~' ~"'t ~.+. ~~ "" b 3 ~' ~Z F ~ '~" ` ~ -~~~ ~ p ~ ~ v-.~ Page 1 of 1 r„~ ~ ,•^? ~~ fR [ -C,' ~ 'e~ ! . ~` ~. ~ ~ Fr i^5~ a .. 4.,~ . ~%,~ r s a, x'`~..4~.~ . ! `~F 3 r F L f y ' ~~ ^=~ ~ - ~ r' ,~ ¢~;,` ,~ ~ ~ ~; , , .,, ,~ .,.'Online Service and '' `" ~ Transactions Ameripr>~se (;~<'--~•~~ . AdvisorCompass® Financial Help Group ID: 1143 5876 5 001 Grandfathered: No Group Enrollment: Achiever Circle Enrollment Date: 01/09/2010 Associated Client IDs 2266 1988 0 001 ROBERT L YOUNG Total value of accounts shown below. $84,859.71 The total value of accounts does not include all products and accounts as shown on the client Consolidated Statement. The total value is not reduced by any outstanding Overdraft Protection balances. Non-Qualified Accounts Value as of Premier Portfolio Services with ONE Features~~ 2' 3 11/21/2010 SPS ADVANTAGE W/ ONE ROBERT L YOUNG TOD 0000 0000 4964 5641 9 021 pig $74,547.11 ONE Deposit Accounts PERSONAL SAVINGS Current Balance** ROBERT L YOUNG POD 00 4002964643 0 . Qualified Accounts - ROBERT L YOUNG Individual Plans Value as of Premier Portfolio Services~~ 2 11/19/2010 SPS ADVANTAGE AMERIPRISE TRUST COMPANY C/O ROBERT L YOUNG AS CUSTD FOR THE ROBERT L YOUNG IRA 0000 0000 4967 6653 6 021 ors $10,312.60 Notes: ~~~~~- ~- ~ • Balances labeled as "Current" may be delayed up to 20 minutes. /~, ~ J Disclosures: This service is intended for informational purposes only and is not an official report of any accounts. Accuracy, completeness and timeliness cannot be guaranteed. View Corporate Entities and Important Disclosures, Web Site Rules and Regulations, Privacy Statement and About E-mail Fraud. Copyright ©2008-2009 Ameriprise Financial. All Rights Reserved. Users of this site agree to be bound by the terms of the Ameriprise Web Site Rules and Regulations. ice, https://www8.ex.is.ameriprise.com/OST/secure/AccountListByProduct/AccountListBy ... 1 l /22/2010 ~.~ ~= ll~j~~fl ,w:,3 2~CI22TCi T"tiYFI.T'T23 81Itk2iT I? O. ~CSa ii3ii ~~}I,IT3Ci Ai)i)22F_:+5:' T.k:~i(JYI~3=. PF~I~SYI.VA;tiIA 17Q~3:3 TLLI;2'ii0*~t2: 2'.~•tiL)X 21;F2 f)t7'1 7f#2•b:7t32 L.Y. A3f)Y.ti-2 I'A 27C3-'l:.l•Uli#ti 2'A?i t MAIL: 2.t~w\n~irz+f~:~vir..cs~rt ° 727? ytTl ^14:i7's 17 ~Io~Rcrnber ?~ 1 t Charles E. Shields, .III, I:squir~; 6 Clouser Road Mechanicsburg, I•'~ t 7q5~ R~: }'orcrrg Estate I)car Chai•1ie: I have your lett~;r of7 Navemtxr 2t~t t. I w~rit~; to reclucst your clarification of the fotlc~~vin~ items: 1. apparently there: t~•i~ro only t«o investment accounts, both at ~lmeriprisc:. t Iowever, when ~'lr. ~'oun~'s House ~tr~4 sold.., the proceeds of that sale ~vcre not. deposited into eitl~e;r of'ttiosc accounts. ~~e Still need to l~z~ow v~~hat happened to those prUCeeds, I assume your client, wlio vas Handling his t:~ther's 1in~incia4 ai~"airs at the time can tell us what l~a~prnrrd to ilaose: funds anti. pan provide documents to s}~a~v ~vht~re they ~vcnt. ?`. you ackno~~Tledge that t3ol,,: Jr. received ~~',a{~D.OU frocY~ an ~rncriprise account, but stag that. it tiva;~ "a bulk ~~thclr~~val of Ills personal retirem~:nt account in connection with. a purchase: of property in Georgia." t need to know if that ~~vithdrawal was I'rorn one ofthe ac:cottnts in Ills father's Marne or not. I any certain ray client will iia~~e ratan}j rnoro questions about these and other natters. I ~~v=ill me~~ tviil~ her t© get a better understandint; of'hc~r questions and then contact }rou. I am willing to mcr:t with .you anal, porh~ips, with your client. tarn riot ~viltin~; tv meet ~~rith other hairs ter other parties in irncrest u~ilcss m}j client rlttc~nds as well. I would expect that you can ge=t the information from yc~trr client that you need to answer my ctuestions and a n~c~etng r~vith you and I tivi l l lie suf~ icent. I u~iil cc~nt~iet ti=ou after I have spc>I:en further tuith my client. In the rnrwar~tr~~e. please pru~°ide me ~~'iti~ the additional information that you ha~~e rec~it~stcd from your elir:nt and from t~a~ cl ~.yc~n. Sincerely, ~~~ Samuel L. ~ndos " ar~ll~ GC: i~~s. ~3elncta 1''. R.oselli AtAlLiliO ADDBHSB: P O• SOX 168 LBMOYNL. PA ITO.1~-0161! E•MJ-iL: LevtAntleaOeot.com Chaves E. Shields, III, Esquire 6 Clouser Road Mechanicsburg, PA 17055 SAMUEI. L. ANDES ATTQ$NEY AT LAW aaa xoa~ra rwx=.>rrx sras>;r P. O. BOX 168 LEMOYNE. PENNSYLVANIA 17043 rsrspsoxa (TIT) 7B1-a381 PAX fTiT) TAI-1486 22 November 2011 RE: Young .Estate Dear Charlie: I met with my clients to review the information they have and the information you have provided, to date, about the Estate of Mr. Young. I learned some things and have some, additional questions for you and your client. .. , . ;c:~.:. ~ ~ :. - My. client has r~ceia~ed three distributions. She received $23,000.00, from the Ameriprise investment account, a payment of $ l 4,000.00 from her brother which I bei~;ve came from;the Sovereign Bank checking account, and a payment of $3,690.00 which represented her one third of the certif sate of deposit with PNC. The total distributions to her, to date, are $36,b90.00. Please check with your client to confirm these amounts and let me know promptly if they are not correct. As far as I can determine, from the information I have, the assets owned by Mr. Young at the time of his death, and their approximate values at that time were: Sovereign Bank Account $70,160.00 IRA with Ameriprise $10,000.00 Ameriprise Investment Account # 49645641 $74,000.00 PNC Certificate of Deposit $11,066.00 Total $165,226.00 ~~~.: I~ caution you that.these values are only approximate. The inheritance tax return you fried listed expenses of $16,000.00 and state. inheritance taxes of about $6,700.00. If that is correct, the total expenses you paid for tl~e.Estate was- $22,700.00. If that is correct, then the net Estate, after paying those expenses and the inheritance tax should be approximately $142,500.00 and my client's ~~~ Charles E. Shields, III, Esquire 2 22 November 2011 one third interest should be about $47,500.00. A logical starting point is for you to confirm to me these figures. If they are correct, and if your client is still holding funds from the Estate, it may well be that we can resolve this very easily. However, the first step is to confirm to me the values of the assets that Mr. Young owned at the time of his death (and to confirm to me that there were no other assets that he owned, either directly or through the Trust) and then confium to me the distributions which have been made to my client. My client wants me to explain to you that we are not accusing anyone of any intentional wrong doing. She does, however, want to know what happened to her father's assets during the administration of the Trust and during the time that your client handled his affairs prior to his death. There are several things that have caused me some question. Those matters include: 1. There were three payments made by the Estate on a credit card after Mr. Young's death. Those payments were as follows: 16 November 2010 $3,377.0? 7 December 2010 $'7,403.00 11 January 2011 $2,729.71 2. There were also some significant payments following his death, including a payment on 16 November 2010 to Members l~ Federal Credit Union in the amount of $3,240.49 and one on 11 January 2011 to Bass Pro Shop for $1,306.40. 3. There was also a rather dramatic increase in the use of the credit card, and the bills for his cellphone, shortly after his death. It may well be that all of these have a logical and simple explanation. However, if they were actual expenses of the Estate, or debts that Mr. Young owed at the time of his death, I would have expected to see those listed as debts and deductions on the inheritance tax return. These are items that need a little more examination and explanation. ~f Char~~s ~. Shields, lli, Esquire 3 2? Navernber ~pI l T su~~est you meet ~~~ith your client-to ~o over the actions he too~C to adtninist~r the ,state, collect documents to c;onfrn~ the assets `he received and the eapcnses aid debts that he .paid, and then you and I can. het to,~ether and re~~e~cv theit~. I belie~~e that those clcac~u~nent:~ ~~fll ai~sc~fer t~3ast of n~}~ questions and, if so. ~z~e sl~t:~u:ld t~v zbl~ to ~~it this matter to rest fairly easily. Nty client does not ti~Tant to start a debate or dispute u~tl~ her brother and sister but she is entitled, I am sure }you «~iil agree, to an c~~lanation of t~lesc; points. Sincerely, ~ amuel L. Andes amh cc; Ms. ~~;lnda ~. l~oselli ~~ CHARLES E. SHIELDS, III ATTORNEY-AT-LAW 6 CLOUSER ROAD Corner of Trindle and Clouser Roads MECHANICSBURG, PA 17055 GEORGE M. HOUCK (1912-1991) Samuel L. Andes Attorney At Law 525 North 12`~ Street PO Box 168 Lemoyne, PA 17043 Dear Sam: TELEPHONE (717) 766-0209 FAX (717) 795-7473 November 23, 2011 Please be advised that I met with Bob Young, Jr. again in person today. This was before your letter of November 22, 2011 arrived. I went over in detail with Bob how to do a step-by- step informal but detailed accounting. I also explained how to provide detailed back up for any entries that might give rise to questions as to authority, necessity or purpose of any expenditures. Bob is getting additional information from the banks to accomplish this. His goal is to have all the information gathered and the accounting completed to review with me before Christmas. To be perfectly candid you have more detailed information at this point than I do. Once Bob has his accounting put together I can better respond to the questions. It may be that we will need to file a Supplemental Inheritance Tax Return. Thank you. CES/mjj Enclosure cc: Robert Young, Jr. Cynthia Rigling Very truly yours, ., l ,. ~ Charles E. Shields, III Attorney-At-Law ~~ ~' ~ ~'ti ..+~ < .r MAILING ADDRESS: P. O. $OX 168 LEMOYNE, PA 17043-0168 E-MAIL: LawAndes~aol.com SAMUEL L. ANDES ATT013NEY AT LAW 525 NOETH TWELFTH STREET P. O. BOX 168 LEMOYNE, PENNSYLVANIA X709,3 6 February 2012 SENT BY FAX d~ REGULAR MAIL (795-7473,E Charles E. Shields, III, Esquire 6 Clouser Road Mechanicsburg, PA 17055 RE: Young Estate Dear Charlie: TELEPHONE (TI7) 761-5361 FAX (717) 761-7435 It has been more than two months since I have heard from you. Certainly, by now, your client has had adequate time to prepare an informal accounting and to gather the information you need to answer the questions raised in my correspondence. As I told you, the questions raised in that correspondence are not exhaustive of all matters. However, if you can provide an answer to those questions and if your client can prepare an account hat we can review and understand, it will go along way toward resolving the matter. Please get me your client's account and the explanation of the matters raised in my letter of 22 November 2011, as soon as possible. Sincerely, c S~ uel L. Andes amh cc: Ms. Belinda Y. Roselli ~~~ CHARLES E. SHIELDS, III ATTORNEY-AT-LAW 6 CLOU:iER ROAD Corner of Trindle and Clouser Roads MECHANICSIBURG, PA 17055 (.e~,va r~ f~+i Ctrdi# Pd~rd .~'r~ir~r ~D Gue C'e~v ~`~ c(tr[r/n/ Gv'~wf w2o C/ifi~~ /~~~v~ `~~c~ ~' ~y1Jl LPL AA iC~/~/ Q //~`~°"'u ~L~~~ (/ ~„~ ~ w~,t~~~ ~~ c~i ~ ~ ~1e ~o ,~C~~e ama~v ~/ ~e ~ GUS ~~ 2~ o~~in ~~~0`~~e ~ ~' ~~,~ ~ ,~ ~ ~ ~~~ ~~~~ ~s~~ s ~~~~~~~ _~,,~~~ ~ ~~ ~~~~ ~, ~~ s~ CHARLES E. SHIELDS, III A7TOh'NEY-AT--LAW 6 CLOUSER ROAD Corner of Trin~~le and Clouser Roads MECHAI`JICSBURG, PA 17055 GEORGE M. HOUCK (1912-1991) February 8, 2012 Samuel L. Andes Attorney At Law 525 North 12~' Street PO Box 168 Lemoyne, PA-1704 Re: Estate of Robert L. Young, Sr. Dear Sam: TELEPHONE (717) 766-0209 FAX (717) 795-7473 Please be advised that I met with Bob Young, Jr. this afternoon, February 8, 2012. We have done the following: 1) We have called HSBC Bank Customer Service and obtained the appropriate department and address to make a written request for the information we need regarding several of the credit card entries. I have enclosed a copy of our inquiry letter for your files. 2) We have assembled the enclosed packet of materials which consists of the following items: a. A true and correct copy of the original settlement sheet detailing the sale of Mr. Young's house to Nour and Kowa on August 20, 2010. The net proceeds therefrom were $78,812.29. b. Typed letter of preliminary explanation from Bob, Jr. c. Photocopy of your letter of November 22, 2011 with Bob, Jr.'s annotations written upon it. d. A packet of data printed out regarding the bank accounts of Robert Young, Sr. at Sovereign Bank and the account at Members First Federal Credit Union. We have overlapped these for approximately one (1) additional year before the date of death (November 15, 2010). I imagine some of these entries will be fairly clear and others may require some explanation, depending on your client's follow-up questions, if any. Please note: The entire proceeds check from the sale of the house in the amount of $78,812.29 was made on August 23, 2010. ~-r Samuel L. Andes February 8, 2012 Page 2 e. My handwritten outline of extracts /informal preliminary accounting of most likely relevant material or material most likely to be of interest. It is hoped this will alleviate some concerns as to Bob, Jr.'s handling of the proceeds account. Please advise as to any further questions in the interim while we are awaiting the details from the GM Card. Thank you. Very truly yours, !/ , ~' ' ,; ~,~~,~~ L Charles E. Shields, III Attorney-At-Law CES/mjj Enclosure cc: Robert Young, Jr. ~2 s ,~ ~~~ OMB Approval No. 2502-0265 ~,`M~Nror T ti ~ 4R 4' I~ I ~ ~ y ~ * ~' A 2 Settlement I Statement (HUD-1) . Qe' ~~ ~ G 9QRN oedE4~ B. Type of Loan 6. File Number: 7. Loan Number: 8. Mortgage Insurance Case Number: 1. ~ FHA 2. QX RHS 3. ~ Conv. Unins. 201 000101 NOU297767 4. [~ VA 5. ^Conv. Ins. C. Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. n here for informational purposes and are not included in the totals. h Items marked "(p.o.c.)"were paid outside ow the closing; they are s D. Name and Address of Borrower: E. Name and Address of Seller: F. Name and Address of Lender: Haitham M. Nour and Robert L. Young and Hazel M. Members 1st Federal C.U. Khamisa B. Kowa Young Revocable Living Trust 5000 Louise Drive Mechanicsburg, PA 17055 124 North Enola Drive Enola, Pa 17025 G. Property Location: H. Settlement Agent: 20-2039731 I. Settlement Date: 124 North Enola Drive Capital Area Abstractors, LLP August 20, 2010 Enola, PA 17025 500 North Progress Avenue (717)920-9179 Ph Cumberland County, Pennsylvania . Harrisburg, PA 17109 Place of Settlement: 500 North Progress Avenue Harrisburg, PA 17109 J. Summary of Borrower's transaction K. Summary of Seller's transaction Gross Amount Due from Borrower: 100 400. Gross Amount Due to Seller: 000.00 80 . Contract sales rice 101 , 80,000.00 401. Contract sales rice . Personal roe 102 402. Personal ro e . Settlement Char es to Borrower Line 1400 103 5,305.34 403. . 404. 104. 405. 105. Ad'ustments for items aid b Seller in advance Ad'ustments for items aid b Seller in advance to 106. Ci /Town Taxes to 01/01/11 406. Ci /Town Taxes 102.93 407. Coun Taxes 08/21/10 to 01/01/11 102.93 107. Coun Taxes 08/21/10 to 08/21/10 to 07/01/11 to 07/01/11 7 ~ 8 I 7 108. School Taxes O 30.53 0/01 Charges 08/21/10 to Sewe~ 53 409 30 Sewer Char es 08/21/10 to 10/01/10 109 . . . 410. 110. 411. 111. 412. 112. 120. Gross Amount Due from Borrower 86,147.34 420. Gross Amount Due to Seller 80,842.00 Amounts Paid b or in Behalf of Borrower 200 500. Reductions in Amount Due Seller: . 201. De osit or earnest mone 1,000.00 501. Excess de osit see instructions 00 502. Settlement char es to Seller Line 1400 2,029.71 77 600 202. Princi al amount of new loan s ' , . Existin loans taken sub'ect to 503 ect to 203. Existin loan s taken sub . 00 504. Payoff First Mortgage 375 204. Credit for amount aid . 505. Pa off Second Mort a e 205. 506. 206. 507. De osit disb. as roceeds 207 508. 208. 509. 209. Ad'ustments for items un aid b Seller Ad'ustments for items un aid b Seller 210. Ci /Town Taxes to 510. Ci /Town Taxes to to 211. Coun Taxes to 511. Coun Taxes to 212. School Taxes to 512. School Taxes 213. 513. 214. 514. 215. 515. 216. 516. 217. 517. 218 518. 219. 519. Total Paid b /for Borrower 220 78,975.00 520. Total Reduction Amount Due Seller 2,029.71 . 300. Cash at Settlement from/to Borrower 600. Cash at settlement tolfrom Seller Gross amount due to Seller line 420 80,842.0( 34 601 147 86 301. Gross amount due from Borrower line 120 , . , 2,029.7' Less reductions due Seller (line 520) 00) 602 975 ( 78 302. Less amount paid by/for Borrower (line 220) . . , 303. Cash X~ From ~ To Borrower 7,172.34 603. Cash X~ To ~ From Seller 78,812.2c The undersigned hereby acknowledge receipt of a completed copy of this statement & any attachments referred to herein Borrower ~' Q ('~ a /" ~ Q ~ ~ Seller Robert L. Young and Hazel M. Young Revocable Living Haitham M. Nour ~ I Trust ~~r~,,~ ,p O BY: :,Q.~,~'~ , Q Robert L. Young, Surv ng Tr tee hamisa B. Kowa The Public Reporting Burden for this collection of Information is estimated at 35 minutes per response for collecting, reviewing, and reporting the data. This agency may not collect this information, and you are not required tc complete this form, unless it displays a currently valid OMB control number. No confidentiality is assured; this disclosure is mandatory. This is designed to provide the parties to a RESPA covered transaction with information during the settlement process. Page 1 of 3 HUD-1 (201000101.gfd/201000101 /24) ~3 L. Settlement Charges 700. Total Real Estate Broker Fees $ 2,000.00 Paid From Paid From Division of commission (line 700) as follows. Borrowers senors 701. t0 Funds at Funds at 702. $ 2 000.00 to Exit Real Ca ital Area settlement Settlement 703. Commission aid at settlement 2 000.00 704. Com liance Fee to Exit Real Ca ital Area 150.00 705. 800. Items Pa able in Connection with Loan 801.Our on ination char a Includes Ori ination Point $ 375.00 $ 375.00 from GFE #1 802. Your creditor charge (points) for the specific interest rate chosen $ (from GFE #2) 803. Your adjusted origination charges from GFE #A 375.00 804. A raisal fee to from GFE #3 805. Credit Re ort to from GFE #3 806. Tax service to (from GFE #3) 807. Flood certification to (from GFE #3) gpg. (from GFE #3) gpg, (from GFE #3) 810. (from GFE #3) - 811. (from GFE #3) 900. Items Required b Lender to Be Paid in Advance 901. Daily interest charges from 08/20/10 to 09/01/10 12 @ $10.098600/day (from GFE #10) 121.18 - ~ ' 902. Mort a e insurance remium for months to from GFE #3 903. Homeowner's insurance for 1.0 ears to Dale Wa nor Ins. A enc -Motorists Mutua from GFE #11 310.00 .' 904. from GFE #11 905. (from GFE #11) 1000. Reserves Deposited with Lender 1001. Initial deposit for your escrow account (from GFE #9) 352.60 ` : - omeowner s insurance mont s per mont 1003. Mort a e insurance months $ er month $ '"" 1004. Property taxes $ 367.41 ~ r ~" County Taxes 7.000 months @ $ 23.07 per month Assessments months @ per month School Taxes 3.000 months @ 68.64 per month 1005. $ 1006. months @ $ per month $ 1007. months @ $ per month $ 1008. $ cy 1009. Aggregate adjustment $ -92.30 1100. Title Char es 1101. Title services and lender's title insurance from E #4 965.06 10.00 1102. Settlement or closin fee $ 1103. Owner's title insurance to Lawyers Title from GFE #5 9.00 1104. Lender's title insurance to Lawyers Title $ 695.06 ~ r" `~~~~ ' 1105. Lender's title olic limit $ 77,600.00 ~`=` < ~ ~".,4 °" ~~~" `~ w r ~ `''- - ~ `~ 1106. Owner's title olic limit $ 80,000.00 PHFA Disct. ~, ~ ,r. _ ~ ~~ ~ ~~<< ~-~`~` ~ `~~ ~ ~° 1107. A ent's ortion of the total title insurance remium to Ca ital Area Abstractors, LLP $ 598.45 ~ ~ ~4 ~`' .~ ~'<'~' 1108. Underwriter's ortion of the total title insurance remium to La ors Title $ 105.61 `'~'~; 1109. Tax Cert Fee to Capital Area Abstractors, LLP 10.00 1110. 1111. 1112. 1113. 1200. Government Recording and Transfer Charges 1201. Government recordin char es to Recorder's Office from GFE #7 152.00 > '' 1202. Deed $ 62.00 Mortgage $ 90.00 Releases $ Other $ 1203. Transfer taxes to Recorder's Office (from GFE #8) 800.00 ~ ~. 1204. City/County tax/stamps $ 800.00 $ 800.00 1205. State tax/stam s $ 800.00 $ 1206. Assi nment of Mort a e to Recorder's Office 50.50 1207. 1300. Additional Settlement Char es 1301. Re uired services that ou can sho for from GFE #6 1302. Home Ins action Tille Ins ectoins $300.00 POC 1303. 2010 Coun taxes to East Pennsborou h Townshi Tax Collet 310.74 1304. 2010/2011 School Taxes to East Pennsborou h Townshi Tax Collet 823.62 1305. See addit'I dish. exhibit to 20.00 75.35 1400. Total Settlement Char es enter on lines 103, Section J and 502, Section K 5,3 5.34 2,029.71 By signing page 1 of this statement, the signatories acknowledge receipt of a completed copy of page 2 8 3 of this three page tatem t. Capital Area Ab actors, LL ttlement Agent Page 2 of 3 HUD-1 S~F Comparison of Good Faith Estimate (GFE) and HUD-1 Charges Good Faith Estimate HUD-1 Charges That Cannot Increase HUD-1 Line Number Our origination charge # 801 375.00 375.00 Your credit or charge (points) for the specific interest rate chosen # 802 Your adjusted origination charges # 803 375.00 375.00 Transfer taxes #1203 800.00 800.00 Charges That in Total Cannot Increase More than 10% Good Faith Estimate HUD-1 Government recording charges #1201 273.00 152.00 Title services and lender's title insurance #1101 1,238.75 965.06 Owner's title insurance to Lawyers Title #1103 12.00 9.00 Total 1,523.75 1,126.06 Increase between GFE and HUD-1 Charges $ -397.69 or -26.10% Charges That Can Change Good Faith Estimate HUD-1 Initial deposit for your escrow account #1001 575.06 352.60 Daily interest charges # 901 $ 10.098600/day 121.18 121.18 Homeowner's insurance # 903 300.00 310.00 I nan Tormc Your initial loan amount is $ 77,600.00 Your loan term is 30 years Your initial interest rate is 4.7500 Your initial monthly amount owed for principal, interest and $ 450.07 includes any mortgage insurance is 0 Principal a Interest 0 Mortgage Insurance Can your interest rate rise? ^X No ^ Yes, it can rise to a maximum of %. The first change will be on and can change again every! months after . Every change date, your interest rate can increase or decrease by %. Over the life of the loan, your interest rate is guaranteed to never be lower than % or higher than %. Even if you make payments on time, can your loan balance rise? 0 No ^ Yes, it can rise to a maximum of $ Even if you make payments on time, can your monthly ^X No ^ Yes, the first increase can be on and the monthly amount owed for principal, interest, and mortgage insurance rise? amount owed can rise to $ The maximum it can ever rise to is $ Does your loan have a prepayment penalty? ^X No ^ Yes, your maximum prepayment penalty is $ Does your loan have a balloon payment? ^X No ^ Yes, you have a balloon payment of $ due in ^ years on Total monthly amount owed including escrow account payments ^ You do not have a monthly escrow payment for items, such as property taxes and homeowner's insurance. You must pay these items directly yourself. ^X You have an additional monthly escrow payment of $117.54 that results in a total initial monthly amount owed of $567.61. This includes principal, interest, any mortgage insurance and any items checked below: X^ Property taxes ^X Homeowner's insurance ^ Flood insurance ^ ^ ^ Note: If you have any questions about the Settlement Charges and Loan Terms listed on this form, please contact your lender. Page 3 of 3 HUD-1 ~~ HUD-1 Attachment Borrower(s): Haitham M. Nour and Khamisa B. Kowa Seller(s): Robert L. Young and Hazel M. Young Revocable Living Trust 124 North Enola Drive Enola, Pa 17025 Lender: Members 1st Federal C.U. Settlement Agent: Capital Area Abstractors, LLP (717)920-9179 Place of Settlement: 500 North Progress Avenue Harrisburg, PA 17109 Settlement Date: August 20, 2010 Property Location: 124 North Enola Drive Enola, PA 17025 Cumberland County, Pennsylvania Additional Adjustments For Items Paid By Seller In Advance (Borrower Debit) Descri tion Amount FromlThrou h Prorated Amount Sewer Charges 68.50 07/01/10 through 09/30/10 30.53 Total Line 109/409 30.53 Additional Disbursements PayeelDescription NotelRef No. Borrower Seller 75.35 East Pennsboro Township Sewer Char es 20.00 East Pennsboro Township Refuse Charges Total Additional Disbursements shown on Line 1305 $ 20.00 $ 75.35 Adjusted Origination Charge Details Origination Charge Origination fee to Members 1st Federal Credit Union Origination CrediUCharge (points) for the specific interest rate chosen 375.00 Total $ 375.00 Total $ Adjusted Origination Charges $ 375.00 Reserves Deposited with Lender Homeowner's Insurance 77.49 3.000 at 25.83 per month County Taxes 7.000 at 23.07 per month School Taxes 3.000 at 68.64 per month Aggregate adjustment month 161.49 205.92 -92.30 Total $ 352.60 Title Services and Lender's Title Insurance Details BORROWER SELLER WARNING: It is a crime to knowingly make false statements to the United States on this or any similar form. Penalties upon conviction can include a fine and imprisonment. For details see: Title 18 U.S. Code Section 1001 and Section 1010. (201000101.pfd/201000101 /24) ~~ HUD-1 Attachment - Continued E-Documents 100.00 to Capital Area Abstractors, LLP Closing Protection Letter 75.00 to First American Title Notary Fee 30.00 10.00 to Dorothea R. Butkus Express Mail -signed docs 25.00 to Capital Area Abstractors, LLP Wire Fee 20.00 to Capital Area Abstractors, LLP Courier Fee to Cumb. Cty 20.00 to Capital Area Abstractors, LLP Lender's title insurance 695.06 to Lawyers Title Total $ 965.06 $ 10.00 Owner's Title Insurance BORROWER SELLER Owner's Policy Premium 9.00 to Lawyers Title Total $ 9.00 $ 0.00 Lender's Title Insurance BORROWER SELLER *fees also shown above in Title Services and Lender's Title Insurance Details Lender's Policy Premium, 545.06 to Lawyers Title Lender's Endorsement Charges 150.00 Endorsement Endorsement Charge TIRBOP PA 100 Endorsement -Restrictions 50.00 ALTA Endorsement Form 3 (Zoning) 50.00 ALTA Endorsement Form 8.1 (Environmental Protection Lien) 50.00 Total $ 695.06 $ 0.00 WARNING: It is a crime to knowingly make false statements to the United States on this or any similar form. Penalties upon conviction can include a fine and imprisonment. For details see: Title 18 U.S. Code Section 1001 and Section 1010. (201000101.pfd/201000101 /24) ~~ This is to answer all the questions as best I can. The distribution of the Ameriprise Account to the best of my knowledge was distributed in full. t know that I received all my payments in full. I was told by Belinda and Tony that they were going to open an account with Ameriprise. I do not know this for a fact but if they did the money would have been deposited directly into their account as mine was. I had no control of these moneys. My wife and 1 started out paying for a considerable amount of the financial responsibility for care of my father. I left my job due to a cut back in work force. This decreased the amount of income to the household. My sister Cindy and Belinda told me to let dad help with the expenses. At a point this happened because we could not keep up with the expense. We allowed my father almost anything he wanted. I did draw the line when he wanted to buy a new car and a pistol. My father knew exactly when his card was being used and was with me whenever I was writing out the checks. He was fully aware of what his money was being used for. To address the charges after his death some of the money was used for the dinner after the memorial in which everyone was present. Other costs were for the restoration of our house to a livable environment. My wife and I also had exams to make sure we had not contracted the Mursa virus which we were in contact with and dealt with for a long time. It would have been nice if I could have invested the money from the sale of the house but dad knew the money was there and was determined to spend it on whatever he wanted. We figured it was his money let him enjoy it. Thankfully we were able to take care of him so he did not have to waste it in a nursing home. His money was used for the food he chose, no matter what it was or what we had to go through to get it. There were many cartoons of cigs, many garment changes that at times everything had to be thrown away. Dad enjoyed going out and buying clothes for himself. We had to have numerous changes in bed linens that may have to be changed in a moments notice and at times they were thrown away also which meant more had to be bought. If dad wanted to go out for dinner we went out and took whomever he wanted to take and paid for the bill. Payment for his meds was another large expense. Gas for the unending doctor visits and trips to the diner added up quickly. Dad also liked to show his gratitude to the nursing staff and the physical therapist at the hospitals and the rehab facilities. Dad did what he wanted with his money and know were it all went. ~~~~ ~~ fdAI7.tI~0 ADD@HStK P. O.90X 198 LBMOY)tE. PO i70~-OIOa s•~u-=u t..w„tic~edxon• Charles E. Shields, III, Esquire 6 Clouser Road Mechanicsburg, PA 17055 SarstrEL L. ANDES ATTORNEY A? LAW Q2b N08'i'~ T~7rTS 9TRgLrI P. O- HOX 198 yyMOYNE. PBNNSYLVAPTIA X7043 •r~spsaxa ~n» ml•b~81 la7C <~171 l9a-14:Ia 22 November 2011 RE: Young Estate Dear Charlie: I met with my clients to review the information they have and the information you have provided, to date, about the Estate of Mr. Young. I learned some things and have son~~ additional questions for you and your client. _ ,~~ _ w~ ~ `~°,Y"'A'G~~ My. client has r~.ceived three distributions. Sbe received $23,000.00. from the Ameriprise investment account, a payment of $10,000.00 from her brother which I beige carne &om:the Sovereign Bank checking account, and a payment of $3,690. which represented her one third of the certificate of deposit with PNC. The total distributions to her, to date, are $36,690.00. Please check with your client to confirm these amounts and let me know promptly if they are not correct. As far as I can determine, from the information I have, the assets owned by Mr. Young at the time of his death, and their approximate values at that time were: Sovereign Bank Account $70,160.00 IR.A with Ameriprise $10,000.00 Ameriprise Investment Account # 49645641 $74,000.00 PNC Certificate of Deposit X11.466. Totat $165,226.00 ~~.. I. caution you that these values are only approx.i~nate. . ; : .. . -T'he inheritance tax retain you filed listed expenses of ~ 16,000.00 and state inheritance taxes of about $6,700.00. If that is correct, the total expenses you paid for th,~,lrstate was- $22,7(}0.00. If that is correct, then the net Estate, after paying those expenses and the inheritance tax should be approximately $142,500.00 and my client s 5`~ Charles E. Shields, III, Esquire 2 22 November 2011 one third interest should be about $47,500.00. A logical starting point is for you to confirm to me these figures. If they are correct, and if your client is still holding funds from the Estate, it may well be that we can resolve this very easily. However, the first step is to confirm to me the values of the assets that Mr. Young owned at the tune of his death (and to cow to me that there were no other assets that he owned, either dir~~tly or through the Trust) and then confum to me the distributions which have been made to my client. My client wants me to explain to you that we are not accusing anyone of any intentional wrong doing. She does, however, want to know what happened to her father's assess during the administration of the Trust and during the time that your client handled his affairs prior to his death. There are several things that have caused me some / question. Those matters include:~en s/~,c shoo. ~c~ ha~c ~~~ ~ h ~~ lvc 1. There were three payments made by the Estate on a credit card after Mr. Young's death. Those payments were as follows: ~,~e ~~Ne~- ch~c~.~c~ wcc-~ lb November 2010 $3,377.07 ~'~~ ~``~d' d,,~~. ion o ~t.ucf«.~ ~.Rne~-s ~ ~"cs~~a. 7 December 2010 $7,403.00 ~ _ ~ ~ sa- , ,~~ qb~~ 11 January 2011 $2,729.71 w.~ ~~~~.~ , R~ .~,~ ~~~.'~ d~~e~.~ s . Z. There were also some significant payments folicowing his death, ~--~` e ~~,~,6t N.Y including a payment on 16 November 2010 to Members 1 Federal Credit ~~~,~ ~~~ Union in the amount of $3,240.49 and one on I 1 January 2011 to Bass Pro Shop for $1,306.40. ~ C-~.~~ - 3. There was also a rather dramatic increase in the use of the credit ~~~ ~~ card, and the bills for his cellphone, shortly after his death. ~ ~ ~~~~ ~e~ ~'~"- Q^ M~ 01~Cpt~ri~ It may well be that all of these have a logical and simple explanation. However, if they were actual expenses of the Estate, or debts that Nir. Young owed at the time of his death, I would have expected to see those listed as debts and deductions on the inheritance tax return. These are items that need a little more examination and explanation. ~o Charles E. Shields,ll I, Esquire 3 22 November 2011 I suggest you meet ~~jith your client to go over the actions he took to administer the Estate, collect documents to confirm the assets he received and the etpenses and debts that he paid, and then you and 1 can get together and revie«r them. I believe .that those documents will ans«~er most of m}j questions and, if so, ~;~~ should be able to p~Yt this matter to rest fairly easily. My client does not ~~~ant to start a debate or dispute with her brother and sister but she is entit~ed,l am sure you ~~~ill agree, to an explanation of these points. Sincerely, amuel L. Andes amh cc: Ms. Belinda Y. 12oseUi ~~ i ~ C~~t' Statement Period 09/10/09 TO 10/12/09 SOVEREIGN INTEREST CHECKING ~oaaoo -o ROBERT L YOUNG AND HAZEL M YOUNG LIVING TR HAZEL M YOUNG TRUSTEE ROBERT L YOUNG TRUSTEE 124 N ENOLA DR ENOLA PA 17025-2520 For your convenience our Customer Contact Center is available from 7 am - 8 pm EST, T days a week. Call us at 1-877-SOV-BANK (f-877-768-2265). Hearing impaired may call 1-800-428-9121 (TTYITDD}. www. sovereignbank. com ~ooo 70090 900012337 As a Sovt~eign customer, ya~'re building a strong financial future. Let's keep it going! Vve have the prodt~crs and services io complement everything you d©: A che~ckirtg account I'~ easy, convenient banking; a Sovereign ChedcCard for si~ripler, faster .shopping; Online Banking with BitlE3ay for timely payments and rnortey management; even wings accounts and money market savings accounts to hip you plan f©r iif~ events. Build a relationsi~ip with Sovereign. It's a great ideal ~.~ page 1 of 6 DEPOSITS INSURID BY FDIC 921705662 ~~ ~~ ~~ 1-877-SOV-BANK (1-877-768-2265) www.sovereignbank.com 0 If yow account is interest bearing, enter in yow register the interest paid as it appears on this statement. © Be swe that the service charge, if any, or other withdrawals shown on this statement, have been entered in your register as deductions. © Compare checks paid (withdrawals} as shown an the front of this statement with your register. 0 List as outstanding any checks (withdrawals) not included on this statement, in the space provided at the right. © Verify deposits recorded on this statement against deposits entered in yow register. 0 List al] deposits not included on this statement in the space provided at the bottom right. 0 Enter the ending balance shown on this statement. 0 Enter Total Outstanding Deposits. 0 Add #7 and #8. Qi, Enter Total Outstanding Checks (withdrawals). ~ Subtract #10 from #9. You are in balance if this total agrees with yow register. IF THIS TOTAL DOES NOT AGREE WITH YOUR REGISTER iQ Recheck additions and subtractions in yow register, as well as the figwes above. Q Be swe register balances have been carried forward correctly from page to page. Q3 Contact us - we can assist you in reconciling yow account. Statement Period 09/10109 TO 10N2/09 SOVEREIGN INTEREST CHECKING OUTSTANDING CHECKS (VViTttDRAWALS) cttscx n w~totnl-r TOTAL OUTSTANDING DEPOSrrS DATE AMOUNT 'T'OTAL IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMER SERVICE CENTER AT THE NUMBER SHOWN ON THE TOP OF YOUR STATEMENT ~~ OR WRITE TO THE BANK ~~ FOR DEBIT CARD ISSUES: FOR ALL OTHER ISSUES. Sovereign Bank Sovereign Bank Attn: Check Card Services Attn: Client Relations ~~ MAl MB 301-06 10-421-CR1 P.O. BOX 841003 P.O.BOX 12646 Boston, MA 02284-1003 READING, PA 19612-2646 Please contact us if you think your statement or receipt is wrong or if you need additional information about a transfer on the statement or receipt. We must hear ~~ from you no later than 60 days after we sent you the FIRST statement on which the error appeared. ~~ • Tell us your name and account number. • Describe the error or the transfer that you are unsure about and explain as clearly as you can why • Tell us the dollar amount of the suspected error. you believe there is an error or why you need further information If you tell us orally, we may require you to send your complaint or question in writing within ]0 busincss days. ~ We will promptly investigate the matter and call or write to you with an answer within 10 business days (10 calendar dayys in Massachusetts). If we need more time, ~~ we may take up to 45 davs to investigate your complaint or question. If we do, we will credit your account within this 10-day period for the amount you think is in ~~ error, so you vwll have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question -n writing and we do not receive it within 10 business days, we may choose not to credit your account. L'~ For errors involvingg new accounts, point of sale purchases or foreign transactions, we may take up to 90 days to investigate your complaint or question. For new account we may take up to 20 business days to credit your account for the amount you think is in error- ~~ We will tell you the results of our investigation within 3 business days after completing our investigation If we decide there was no error, we will send you awritten ~~ explanation. You may ask for copies of the documents we used in our investrgaUon. ~ Important information about your Sovereign CbeckCard ~_ The networks through which some of your Sovereign CheckCard purchases are processed have begun allowing merchants to process your purchases without either a signature or a PIN. If you are not required to enter your PIN when you make a purchase, your purchase may be processed either through the Visa network or through the STAR or NYCE networks- If your purchase is processed through STAR or NYCE, different terms apply and you will not beeligible for the rights and protections available through Visa. Please see your Personal Deposit Account Agreement for more information. page 2 of 6 921705662 1-877~OV-BANK (1-877-768-2265) www.sovereignbank.com ROBERT L YOUNG AND HAZEL M YOUNG LIVING TR HAZEL M YOUNG TRUSTEE ROBERT L YOUNG TRUSTEE Account # 921705662 Balances ,__ ...- . - .~ - .. Beginning Balance $5,066.77 Current Balance $5,360.52 Deposits/Credits + $1,983.04 Average Daily Balance $4,675.36 WithdrawaTs/Debits - $1,689.29 - - Interest Pard-this Period + $ 0.04 Annual Pes,centage Yield Eamed` O.O t°,~° " Eamed this Period $ 0.04 Paid Last Year $2.51 - -- - - - Paid Year--To-Date _ _ $ 0.62 _ `The interest earned and the interest paid may differ depending on when interest is credited to your account. Service Fees Date # Transactions Fee Tota I MONTH#_Y MATNTENANC.I~ FEE .: ~ 10/09/E19 1 10,00 $:20.00 FEES WAIVED 10/09/09 1 -10.00 - $10.00 Total 50.00 Checks Posted Check # Date Pafd 3844 09110 Amount $110:00 Reference # < 696562900 i 3846' 09/17 $38.95 698271080 3847 09123 $4:?4 "697765300-- 3849' 09/17 $6.75 698292700 3850 09/21 - $5:10 986454685 3851 09!18 33.58 691406000 3852 10/05. $3.58 696351530- 13 Check(s) Posted = 5708.16 Statement Period 09N0/09 TO 10/12/09 SOVEREIGN INTEREST CHECKING Check # Date Paid Amount Reference # 3853 09/30 $15.64 698909600 3854' .` 10102 ' _ $1128 693573240;: 3855 10/05 $15.54 990639505 3856 09125 $2OQ.00 6606!2050` 3857 09/28 $250.00 988327320 3859" "~` ~ ~~ 10106 " - $43:00 ~ ~ 698654100'' An asterisk (`) indicates a skip in sequential check numbers which may be caused by one of the following: A check not yet received A check that was converted to an electronic transaction, which will t>e listed in the "Electronic Checks Posted" section below. If no checks were electronically converted, this section will not appear. page 3 of 6 921705662 Statement Period 09/10/09 TO 10/12/09 1-877-SOV-BANK (1-877-768-2265) www.sovereignbank.com SOVEREIGN INTEREST CHECKING Electronic Checks Posted Check # Date Paid Amount Payee Check ~ Date Paid Amount Payee 3845 ' ~ '09/18 $28.70 VERIZON AR " 3858. 10/05 ` $98.59 ~GM CARD 2 3848 09/17 $363.02 GM CARD 2 3 Check(s) Posted Electronically= x490.31 Please note: The merchant you paid has converted these checks into an electronic transaction. Because we did not receive the original check or a copy of the check, we cannot provide the check with this statement. If the check number is zero, it means the merchant did not provide the check number in the proper format. Please refer to the 'Account Activity' section below to locate the check number in the transaction description. Account Activity Date Description Additions Subtractions Balance 09-10 Beginning Balance $5,066.77 09-f0 CHEGK 3&14 ._:. $11O.d0 ~$4,~51i.77 09-15 MELLONHRIS -- $351.65 $4,605.12 BENEFITCOV 091509 867561351 09-17 GM CARD 2 CHEGKPA`a'f~iT $363.02 $4;24210 : - 090917.3848 - ;,_ ;. .._ 09-17 CHECK 3846 $38.95 $4,203.15 09-17 CHECK ' :3849` - ,. ' $ti.75 - : ;$4,196.40 • 09-18 VERIZON ARC _ $28.70 _ .... $4,167.70 CHECK PYMT 090917 3845 09-8 - GHi=GK 386'1 - -- _ '; $3<.58 ` $4.164:112`. 09-21 CHECK 3850 j,~ ~ Q,,`k c Cc,.~~ $5.10 $4,159.02 09~23 CHECK 3847: o.M.'~cc- v r7E ~~a~ fin' IL~~~r $4.74 :. $4 154.28 ~~ 09-25 CASH CHK 3856 $200.00 $3,954,28 ~ ~~ ~0~-28 _ CHECK 3857_. - b~ ~,, , , ,$250.00 . ~ $3,704.28; ~~ 09-30 CHECK 3853 \ r~S~e,n SSOC.. $15.64 $3,688.64 10-02 ~ US TREASURY 303 - •- - $1;354.00 - '_ ~ _ : _ , ,$5 042.6 sac-sEC ~oo20s = _ r .~ A SSA - . ,~ 10-02 US TREASURY 303 $629.00 $5,671.64 SOC SEC 100209 ~~ A SSA -- '.10-02 , -CHECK ;. - 3854:': L ~ ~.~z..-e.. ~S4t '.:.$1:1,28 ~ $5,660.36-; 10-05 GM CARD 2 CHECKPAYMT $98.59 $5,561.77 ~~ 091005 3858 ~~ `10-05 . -.::.. AARR HEALTH CARE. - _ --- -- $34.00 `` . $5,527:77- _ PREMIUM 0229627771 _ ..~; . . ~~ ; ;,. ~ 10-05 CHECK 3855 r a.c.nS OL $15.54 $5 512.23 :14-05 CHECK 3852- ~err~ ~ c~ ~ ~ ~ '; `:$3.58 '_ $5,50an65: 10-06 CHECK 3859 IC $43.00 $5,465.65 €'i0-09 - PPL EU ELEC SVC ~ ._ $61 11 ~ = ., ~ ,. ` $5,404 54 ~~ :-~ 791407.5001U11S ~- . ~ s ., -- ,., .i .... ~ e~ 10-09 PAWL PAYMENT 091008 $44.06 $5,360.48 0645673 _~ :~10=419 .. __ INT RESTCREDfT - $O.Q4 :.: X5,360:52 _~ 10-12 Ending Balance $5,360.52 page 4 of 6 921705662 ~ mxn ilk ,... ~ , ..... ~ ~ ~ ~ ~ ~ - o .rn Q d" 0 ~ +:t3339t6g3{ D9~i9056b2a'38 921705662 # 3844 09/10/09 $110.00 ~ ~ 9817 9~i p1Q1. +Ia ~ OrO~AM ulLkFtfip ~-`~~ K r s'r'..e°. ~ra..to-. v.+a~ ~ ._ t 3 +1.~~ m N ~ ` Sau~liga Ba~K r23132i6gL+: Q921?D5b52*98ti7 40Dti?4r _._ 921705662 # 3847 09/23/09 $4.74 ' SoseRr Yo+m.o tl10N.M TtYliit~ I 'J_ - ,,~,,~ n y Baia: I'b~ttaAWy~ ~. 9!~Al ~ C1 p A r + -... .. - 4~n~71i_7uiw`J~a'L _ .' S: ~.~0 i, w - --- - - _ ~ __._~ Ct31342B9i~ D92i4D5bfiT+3854 921705662 # 3850 09/21 /09 $5.10 1~d _ - - ~wso+awwa - - - O~i7iAM 71pii~~. ~ ~° 386Y „ - . - - ~ - - M '~~ - ~ww3~.w ~ ~na~~;--: 1 ~K ~ - - ~ _ - ~ ~ - ~ F 'S .3.51$ ~_ ~ .~y~ ' ~ 1~ _... A ~~....~ ~ - 4 .~- VfK6-R~ F Big. "~~6 ~ ~ r a~. ~Y d94L342LRiK 092iT05662a*38SZ ~~ 921705662 # 3852 10/05/09 $3.58 "` ~ aaaa iBw~ea~~ :.. j ~ "~' " ~ ' eir r.: ~ a.- _ : 3 la . ids Q i `~~a~.~cD~~.. ~~ _ e. ~ ~- ~~ ~ '~ ~ ~ ~ ~z3t34t69iK Dg2i?D56C2r385t 921705662 # 3854 10/02/09 $11.28 ___` ~69~? - - Y f ~ . .a~a 3856 io. ~:~ dt ~ Q~IJI~ M 77lQlilo6 iyrh "'~! .._. Yi13T~3! ~~ ~t~ai1GN ` E.~oo.oa ~ - Z5 r -r~:~~.~ ~ G. ~~ ~~~~ u:23i3?'c69i~: 0g2i?D56C2''3856 f 921705662 # 3856 09/25/09 $200.00 page S of 6 Statement Period 09/10/09 TO 10M2/09 '~.Zer.r s twa,, iA i~saaaw "`~ " Saxe .R ~+~a ' $ X58-Q',s :~OO ~~ BRT11C a iC23ii9@G94+: dg2 1405fb82M38S6 ~ 921705662 # 3846 09/17/09 $38.95 ntreeRr,vu+o ;.. wua Yat+ea - ~.~pracwta+ra~s~e _ ~ ~raaae . 3B 4 9 :.. .. `~R~ ~ m ~ .-_ .: - .i ~_ ~ - .~ a O .~ ~+~~ - ~ ~ +:1319?ZCgiC OR2L4tJ5Gfi~'38i,9 r ~_ 921705662 # 3849 09/17/09 $6.75 ~' s661 ~ s.ra~.rn WOLIR 71Ali17~ r Q ~ ,~ y~ fW/4ID~ l~/i N . O O D '~ -~ /L°rr1..l~ de313zit4i+t Og2 iTDi662r3B5 ~' ODQ~35d? 921705662 # 3851 09/18/09 $3.58 niroui~u iif N CfBA ~ a."~'.. 3Q50 Q r r ti' y , ~ : n F ~ i'-,` iLrA-,yh ~ifne ~Rii~LAL~_ 1~ ~.n - _ _ _ 1 S ~ti7~i~ '~ / m t .~ 0 O s~p~~.ws °~ ~. ~~ Q o _ o ~ 3 ~-__-# ~ K?~13~ L9i~K Dg 2 l?OS662~' 3g 5 921705662 # 3853 09/30/09 $15.64 ~~~ ~ 3855 ibi M PJ9G.a bn- ,~~ Baax -.-max..--_.-- ~:t3t3?2CgiK D9Zi705p8ty'3835 fDOQQDOi55tit 4~ ~ ~n~~~~ ~ ~~55 1 nln5ln9 X15.54 liiot ura~ 3867 rA. w a+a:. ow o~eQiui av® $ ,Z.tio~oa Sa~rere3~nBanx ~~ 02313?26gLC DR2l?D5662r385? -- 921705662 # 3857 09/28/09 $250.00 921705662 ~~ Statement Period 09N0/09 TO 10/12!09 ~- 0 ~ 339 0 O 6 A' ~rr qq peg ~r~0'4E[P~ ~~~ N ~~~/` ~ ~ L~d3 ~4r.a~Y1Cs1~~ ~ RW. + ~ __~~ CZ3t372f,4LC G9tt9C'S6Ct~38S J` 00~3a~fJ,r 921705662 # 3859 10/06/09 $43.00 page 6 of 6 921705662 O~ Statement Period 1011/09 TO 11/09/09 SOVEREIGN INTEREST CHECKING tooooo-o ROBERT L YOUNG AND HAZEL M YOUNG LIVING TR HAZEL M YOUNG TRUSTEE ROBERT L YOUNG TRUSTEE 124 N ENOLA DR ENOLA PA 17025-2520 For your convenience our Customer Contact Center is available from 7 am - 8 pm EST, 7 days a week. Call us at 1-877-SOV-BANK (1-877-768-2265). Hearing impaired may call 1-800-428-9121 (TTY/TDD). www. sovereignba nk. com 0000 70090 f~~~~p'~ 900012337 The NEON Am~eriEan Expresses Gift +Card. Let the pQOple or- yQUr {ist create ttlerf awn memorable ex~per~ences this holiday. Give ttlem the gift cam they ran use at miilaans of places in the U,S, why American Express bards a~ accepted_* Fonds can kae replaced if lost or stfller~_ Backed by tfle ,ivorir!-das~t cust~r~ter senric~ at A~ric~n E~r~s_ A variety crf pre-IaadQd am~ourm are available, sa start giair~g ibis great gift today C.~II the number at the top of this statement tD tjrr~d out more. ±q.rtR sro by es~s.p~-~! u [3tt csmoe eto .eenlny ~a~s. Nc i~sism „t nn~c. fUrcna~r. r~.sa sp~~, wtW~Y ~o ~~is~hlr ut 3~ uca st U.~ !~+grts mat eooecc ~meic~ L¢ Crm ~ auee Ana, cas gin. hT~ ~ ~!cw!ps ~ ~e `SFca~ ~r_~ri:xio~n a!*r ssi~YtR^- xc~- •L^ ~D? JEF'C7~iC LfiSh1 NOlBe Ff! wr~icsn ~ lYvrd ~# SkAStM da~gwty, Irc. ti!U"rth excellent features 81 your cf~ost~ of l~riaste~arrt~ yr lfrsa", you can get the card that Best frts your needs * Yozr can redeem pants far cash qu.~dkerwith Direet Cash Bade. Fts are deposited directly into your checking ar saaings actvur'tt_ To aPpIY. stop by any branch, visit us ~t soverebank.c4rn ar call 1-877-Sfl11~BANr<. IIUTR~Dl~C1N~~ THE SAVE & 11'~VEST ~D PAC~C~~ have fcx today_ Irnrest fvr tomorrow. Wrth vtrr new "'Save & Invest tD Package; y~au get a great shore term rate and a way to start sa~rrrg far the future r~e-ith less risk than ring lrt the Stock Market. Get the best of both worlds today with these tv+x3 I^fl!C-insured CDs.* But h~rry~--phis offer ex~ire~ on fV~vemb~r 271 till the nurnher a# the tvp of tl;_is s~~r~~11t ~ f~:rld gut mares page 1 of S DEPOSITS INSURED BY FDIC t W- T 921705662 Statement Period 10/13/09 TO 11/09/09 1-877-SOV BANK (1-877-768-2265) www.sovereignbank.com SOVEREIGN INTEREST CHECKING 0 If your account is interest bearing, enter in your register the interest paid as it appears on this statement. © Be sure that the service charge, if any, or other withdrawals shown on this statement, have been entered in your register as deductions. © Compare checks paid (withdrawals) as shown on the front of this statement with your register. 0 List as outstanding any checks (withdrawals) not included on this statement, in the space provided at the right. © Verify deposits recorded on this statement against deposits entered in yow register. 0 List all deposits not included on this statement in the space provided at the bottom right. ~ Enter the ending balance shown on this statement. 0 Enter Total Outstanding Deposits. 0 Add #7 and #8. ¢. Enter Total Outstanding Checks (withdrawals). ~ Subtract # 10 from #9. You are in balance if this total agrees with your register. IF THIS TOTAL DOES NOT AGREE WITH YOUR REGISTER iQ Recheck additions and subtractions in your register, as well as the figures above. Q2 Be sure register balances have been carried forward correctly from page to page. Q Contact us - we can assist you in reconciling your account. otlrsTANDING ct~cxs twrn-IDxnwAt,sl cttscx a wNtotn~T TOTAL OU'T'STANDING DEPOSITS DATE AMOUNT TOTAL IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMER SERVICE CENTER AT THE NUMBER SHOWN ON THE TOP OF YOUR STATEMENT ~_~ OR WRITE TO THE BANK ~~ FOR DEBIT CARD ISSUES: FOR ALL OTHER ISSUES: ~~ Soverei~ Bank Sovereig~ni Bank Attn: Check Card Services Attn: Cltent Relations MA1 MB 301-06 10-421-CRl P.O. BOX 841003 P.O.BOX 12646 ~~~ Bostor>, MA 02284-1003 READING, PA 196 ] 2-2646 Please contact tts if you think yow statement or receipt is wrong or if you need additional information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error appeared. ~~ • Tell us yow name and account number. • Describe the error or the transfer that you are unswe about and explain as clearly as you can why ~~ • Tell us the dollar amount of the suspected error. you believe there is an error or why you need further information. ~~ If you tell us orally, we may require you to send yow complaint or question in writing within 10 business days. ~~ We will promptly investigate the matter and call or write to you with an answer within ] 0 business days (10 calendar dayys in Massachusetts). If we need more time, we may take up to 45 days to investigate yow complaint or question. If we do, we will credit yow account within this 10-day period for the amount you think is in error, so you will have the use of the money during the time it takes us to complete ow investigation. If we ask you to put yow complaint or question in writing and we do not receive it within 10 business days, we may choose not to credit yow account Q For errors involvingg new accounts, point of sale pwchases or foreign transactions, we may take up to 90 days to investigate yow complaint or question. For new account we may take up to 20 business days to credit yow account for the amount you think is in error. _ We will tell you the results of ow investigation within 3 business days after completing ow investigation. If we decide there was no error, we will send you a written explanation. You may ask for copies of the documents we used in ow investigation. Important information about your Sovereign CheckCard ~ The networks through which some of yow Sovereign CheckCard pwchases are processed have begun allowing merchants to process yow pwchases without either a signature or a PIN. If you are not required to enter your PIN when you make a pwchase, yow pwchase may be processed either through the Visa network or throug~hh the STAR or NYCE networks. If yow pwchase is processed through STAR or NYCE, different terms apply and you will not be eligible ~ for the rights andprotections available through Visa Please see yow Persona! Deposit Account Agreement for more information. page 2 of 5 921705662 1-877-SOV-BANK (1-877-768-2265) www.sovereignbank.com ROBERT L YOUNG AND HAZEL M YOUNG L/VING TR HAZEL M YOUNG TRUSTEE ROBERT L YOUNG TRUSTEE Account # 9217056fi2 Balances _ Beginning Balance $5,360.52 . - Cun'ent Balance $6.186.48 Deposits/Credits + $1,983.04 Average Daily Balance $5,065.42 UhthdrawaislDebits - $;1,157.08 Interest - - - - __ _ .. _ -- - - - --- .... _.., -____ _ . _ _ . - -o Paid this Period ` - $ 0'.04 Annual Percentage Yield Earned 0.01 /o Earned this Period $ 0.04 Paid Last Year $2.51 '..Paid Year-To-Date $ 0:66 ~ ~ , `The interest earned and the interest paid may differ depending on when interest is credited to your account. Service Fees Date # Transactions Fee Total MONTHLY MAitJTENAIVCEFEE ~ 1 t/09"%09 , 1 : _ ~~' 10:00 ~ $10.00 FEES WAIVED 11/09/09 1 -10.00 - $10.00 Total 50.00 Checks Posted Check # Date Paid Amount Reference # 3860 '. Y .10/26 '`$150Aa :615725360- 3862` 10/16 $350.00 994779840 3863 , ~" i1J09 =$105:7Q 973 1 92 360:;. 3864 10/29 $2.37 998969240 7 Check{s~ Posted = 5645.29 Statement Period 10!13!09 TO 11/09/09 SOVEREIGN INTEREST CHECKING Check # Date Paid Amount Reference # 386b ~~'. .:1':129 . $7.32 ~ 99896961Q- ___ ~.. 3866 11/02 $26.32 721309010 3867 °40%28" ~; $3:58 ? _72St)ti8000 ` An asterisk (') indicates a skip in sequential check numbers which may be caused by one of the following: A check not yet received ~ A check that was converted to an electronic transaction, which will be listed in the "Electronic Checks Posted" section below. ff no checks were electronically converted, this section will not appear. page 3 oJ5 921705662 ~G Statement Period 10/13!09 TO 11/09/09 1-877~OV BANK (1-877-768-2265) www.sovereignbank.com SOVEREIGN INTEREST CHECKING Electronic Checks Posted Check # Date Paid Amount Payee Check # Date Paid Amount Payee . __ 3861 ~' :10119 ; $58.37 JCPENNEY/G j 1 Check(s) Posted Electronically= $58.37 Please note: The merchant you paid has converted these checks into an electronic transaction. Because we did not receive the original check or a copy of the check, we cannot provide the check with this statement. If the check number is zero, it means the merchant did not provide the check number in the proper format. Please refer to the 'Account Activity' section below to locate the check number in the transaction description. Account Activity Date Description Additions Subtractions Balance 10-13 Beginning Balance ~ $5,360.52 10-t5 MELEONHRIS _ $331.fi5 $5,008:87 . ; _ BENEFITCOV 101509 - r -867561351°~. _:_: 10-16 CHECK 3862 ~,r c>un~ ~~ $350.00 $4 658.87 10-19 JCPENNEY/GEMS _. $58.37 _ ~~ . ".,$4,600.50 - - ° CHECKPAYMT 091016 ' " 3861- ~. . 10-26 CASH CHK 3860 Tc,,n c.~k~n $150.00 $4 450.50 10-28 ., - . CHECK <.,~_:'-3867 -..~' .~.~ _- ~~~-c~_~-'_ _ ::_$3.58 ~~~ °`~_$4;~:~2', 10-29 CHECK 3865 ~-~~ ~ $7.32 $4,439.60 1D-29 CHECK -: 3864. r~55cx .o,~ Ct~.~- rc~~c~a.~ti~ $2 37 $4 43723 11-02 CHECK 3866 U e~~~nn $26.32 $4 410.91 11-03 US TREASURY-303 -, `$i ,354. 00 ~ -- ~- ~_-~; $5,764.91 .." SOC SEC 110309. - _ - ..::. A;SSA 11-03 US TREASURY 303 $629.00 $6,393.91 SOC SEC 110309 A SSA 11-05. ~ .' -.AARP HEALTI=1~CAf2E _ $34.00 ~ ~$6 359'~3~~- PREMIUM 0229627771 _ ' 11-09 CHECK 3863 E~Pr3T- US~O `-J~,j,~5~.~ $105.70 $6,254.21 11-09 - PPL EU ELEC SVC ;:$67.77 }° - .'.$6;18644..:. . - 791407500'tlAtS ' - -.. ,, - - 11-09 INTEREST CREQIT $0.04 $6,186.48 11-09 Ending Balance $6,186.48 page 4 oj5 921705662 /'~ In n eMx~ Cw ~~ ~` {~F1~0.AM laleF7xMp ~ f ~ F ^ \ ,~ ~ ~-- ~c nn ~ ~~ ,,eems~ •• ~,, _V.CL_4ADCSWIC[7~_ +~~ ~~q i'~--~al+~ -~awL-lii ~ ~ .. ~: 49l'_iaG4 OYtd ai.".. CH+,1-t6M: ~Z31i7ib914 t)9 t-7051;S2r386D 921705662 # 3860 10/26/09 $150.00 3863 - -' vow ~a~os~o ~~~ JC? 71X1 o~.~~_~.o.~., ~ 4 ~t~~y..T _ + s ~~ yy Q yaaft~~hN~,.a~,.,pd6 p ~:L~ ! `i ootuwi ~ ~~ ~:23i322C9i+: D92L 7D56L2~3863 g~17n5Ff7 # 3863 11/09/09 $105.70 3865 . .l+Hw,sl.-oa awu~ rM r~Tesma~ -~-~ '~ _____ . :~~ ®aimY ~.4 ~`fwx3`!_._ - .~~ yr_..~~ r N.2;i3ftL91Y. D4~t7Cb5LC?*36C5 921705662 # 3865 10/29/09 $7.32 o a -~: `:~~ QL/AL1[Ct1lla ~ - ~ ,.,. • u+ranadt ~ a>MAr, wt nau.~s ~ r~s~: q~7 ~~ ~ ft ~~ ~ A~ V 4.~8 ~ P s Ie T ti .3~ ~~~v~ ~ ~. _.s A '~ ,~,~ ~_~ nela~ry ® ~` _ _ D a~~v i~ ~ ~~ 42CLC3dL44~ D92i90SLLtrCe67 921705662 # 3867 10/28/09 $3.58 page S of S Statement Period 10113/09 70 11109!09 3862 ty~ N BKM OR ~~y ~`-CIC1A M ant 1lW ~ I~rIl~ S ~[~c~B--~~T~--~~~J.aV DOtIl117 ~ C».. ~~~F ~~g° Barii~ ~231372S4it: D42L4D5~~ B62 ^' 921705662 # 3862 10/16/09 $350.00 ' ~ - . 3864 n. n wlor. ~ j mow. rw nra~~. ..~. '~SY.~[ft _ - p a : a~.~.K,,.Q.~.9._. ~ ~ :. _._..__._.._.._: ~w~.a~ D~R~ ~lOa'S1lu-- -- - _ 1~r.6-~ia1° - "~ r ~;t3i3?269 i4 092i~03Q;G2r;884 921705662 # 3864 10/29/09 $Z_3/ ftE ~ Iml~erm.sR ~nYQs~~B ~ ycY.t,q+ +asstas w t ~ 8ov~i+C1~'H~~ 1 fau47 157 t} 1 I G5t'idb~ IYJ r ,p .t KD3L3Fa64,u: 0R21705CG2r38LC 921705662 # 3866 11 /02/09 $26.32 921705662 ~~ 100000 -0 ROBERT L YOUNG AND HAZEL M YOUNG LIVING TR HAZEL M YOUNG TRUSTEE ROBERT L YOUNG TRUSTEE 124 N ENOLA DR ENOLA PA 17025-2520 0000 70090 900012337 I j' ~ ~ _ ~ ~'py ~f~ective C~ecel~ber 12, ~~, the f irsk ~ ~ ~0 ®f all checks yon desit v~rill be a+~ai~ab~e the react business day aver e day of your deposit and the r'er~~ir~der' v~ill be available r~ later Mart the second b~sin~ss day. Tl~~s does nc~t apply tca checks, ~~~ as checks dra~,vn on Scavereic~n Bare,. that are and rn~ilE continue tQ be available tl1+a ~i~xt business day Under cur ~Unds Availabiilty Polity. Qur ~i is to atw~rr,~~ rr~akl~ hank:nq e~ and mor? clJnv~.itt for our ~s_ T~-;a#~ '~ ~sr':in~ y~-0~ ~~i~k, ~~nni~t ~~5 t~ ~1 I.~r ~crount infc~rrnatic~n with c~t~r r.~v C~Pmtane~i ~t~T~rxtent5, Ci ~~:~ CLil1~t`~t?'V~ ~~~'SC~-lr~ir~ SYc'~~~'fi'3r1~ "ltl' r~lEl t[3:!1~ ~Fi~t~~ lrt~ ~rl{j S~arr'tt~~s ~~CstS 4'iJ1'tfl r~L 'S~'fl~ - r~n~e ar'~ address, yrur accoun# ;norrt3at:on ~~rll nc~v he cc~saiidaced arrt~ pane, ~nr~te~t rnc~thiy sa'a?~~rner'~t---t~nrtin~ ~~vith?t`.i~ ~tas~rr:~-tai, a {., f p ~y gory{~ yy~y~r~~.y+.r y~ ~'{I~ ~~~~ ~tR~II lIA #C~ t~~iJi 34:0!LCI?!CA S~iS ~SZ~ hE+~ ICJ ~C ~CSfEr~l ~3_7C~. 7V .If,11 U~L~~f ~~{ ~7C~LM~.~'[.~1 !I IfCIIl ~! 1~ I'L ~~I~~_~ afgan~e ~,aur f~na~~c~ better. ft ha~r~ arry ~-~~sticns gar tivcu~ lire to aid Qther e~igii~ checlcing~ _<: 5~~vi5, ~~3 ~ i~ ~~~~t~ nrt c~rr~r,~1 c~-c~,~r ~r~ tf iii 't irk .,t~Cerf3~=~i, ~4ea~~ ~~II ~'t~ rt~r~rE~r IiStr't~ >r~ th~ ~~Pp~ r;~ht ~vrr1P_r of ~~is siaerneni. page 1 of 6 DEPOSITS INSURED BY FDIC r ~~. ~ ~ 1 ~ E ~t~~~~ ~ ~z~,t f~~ ~f Statement Period 11110/09 TO 12/09109 SOVEREIGN INTEREST CHECKING For your convenience our Customer Contact Center is available from 7 am - 8 pm EST, 7 days a week. Call us at 1-877-SOV-BANK (1-877-768-2265). Hearing impaired may call 1-800-428-9121 (TTY/TDD). www. sovereignbank. com 921705662 ~~ Statement Period 11/10/09 TO 12!09/09 1-877-SOV-BANK (1-877-768-2265) www.sovereignbank.com SOVEREIGN INTEREST CHECKING 0 If your account is interest bearing, enter in your register the interest paid as it appears on this statement. © Be sure that the service charge, if any, or other withdrawals shown on this statement, have been entered in your register as deductions. © Compare checks paid (withdrawals) as shown on the front of this statement with your register. 0 List as outstanding any checks (withdrawals) not included on this statement, in the space provided at the right. © Verify deposits recorded on this statement against deposits entered in your register. 0 List all deposits not included on this statement in the space provided at the bottom right. 0 Enter the ending balance shown on this statement. 0 Enter Total Outstanding Deposits. 0 Add #7 and #8. ~(, Enter Total Outstanding Checks (withdrawals). ~ Subtract #10 from #9. You are in balance if this total agrees with your register. IF THIS TOTAL DOES NOT AGREE WITH YOUR REGISTER QQ Recheck additions and subtractions in your register, as well as the figures above. Q2 Be sure register balances have been carried forward correctly from page to page. QQ Contact us - we can assist you in reconciling your account. OUTSTANDING CHECKS (WITHDRAWALS} CHECK #1 AMOUNT TOTAL OUTSTANDING DEPOSITS DATE AMOUNT TOTAL IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMER SERVICE CENTER AT THE NUMBER SHOWN ON THE TOP OF YOUR STATEMENT ~~ OR WRITE TO THE BANK _~ FOR DEBIT CARD ISSUES: FOR ALL OTHER ISSUES: Sovereign Bank Sovereign Bank ~~' Attn: Check Card Services Attn: Cllent Relations MA 1 MB 301-06 10-421-CR 1 ~~ P.O. BOX 841003 P.O.BOX 12646 Boston, MA 02284-1003 READING, PA 19612-2646 Please contact us if you think your statement or receipt is wrong or if you need additional information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error appeared. • Tell us your name and account number. • Describe the error or the transfer that you are unsure about and explain as clearly as you can why ~~ • Tell us the dollar amount of the suspected error. you believe there is an error or why you need further information. If you tell us orally, we may require you to send your complaint or question in writing within 10 business days. VJe will promptly investigate the matter and call or write to you with an answer within 10 business days (10 calendar days in Massachusetts). If we need more time, ~~ we may take up to 45 days to investigate your complaint or question. If we do, we will credit your account within this 10-day period for the amount you think is in ~~ error, so you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may choose not to credit your account. _ For errors involving new accounts, point of sale purchases or foreign transactions, we may take up to 90 days to investigate your complaint or question. For new account we may take up to ~0 business days to credit your account for the amount you think is in error. ~~ We will tell you the results of our investigation within 3 business days after completing our investigation. If we decide there was no error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation. Important information about your Sovereign CheckCard ~~ The networks through which some of your Sovereign CheckCard purchases are processed have begun allowing merchants to process your purchases without either a signature or a PIN. If you are not required to enter your PIN when you make a purchase, your purchase may be processed ei yer through the Visa ~~ network or through the STAR or NYCE networks. If your purchase is processed through STAR or NYCE, different terms apply and you will not be eligible ~~ for the rights and protections available through Visa. Please see your Personal Deposit Account Agreement for more information. page 2 of 6 921705662 Statement Period 11/10/09 TO 12/09/09 1-877-SOV-BANK (1-877-768-2265) www.sovereignbank.com SOVEREIGN INTEREST CHECKING ROBERT L YOUNG AND HAZEL M Account # 929705662 YOUNG L!VING TR HAZEL M YOUNG TRUSTEE ROBERT L YOUNG TRUSTEE Balances Beginning Balance $6,186.48 Current Balance $4,923.86 Deposits/Credits + $1,749.38 Average Daily Balance $5,181.00 WithdrawalslDebits - $3,012.00 Interest Paid this Period ` $ 0.04 Annual Percentage Yield Eamed 0.01 Earned this Period $ 0.04 Paid Last Year __ ___ _ _ $2.51 _ __ . __ _. Paid Year-To-Date $ 0.70 'The interest earned and the interest paid may differ depending on when interest is credited to your accoun t. Service Fees Date # Transactions Fee Total __ __ __ MONTHLY MAINTENANCE FEE __ _ 12/09/09 __ ___ 1 0.00 __ _ __ _.. $10.00 FEES WAIVED 12/09!09 1 -10.00 - $10.00 Total $0.00 Checks Posted - Check # Date Paid Amount Reference # Check # Date Paid Amount _ Reference # ~_ 3868 11 /12 $3.58 650210020 3878 11 /25 $40.00 979198460 3869 11/10 $4.85 658773420 3879 1.1123 $10.59 723721.550 ~~ 3871" 11/13 $6.51 722790430 3880 11/23 $2.37 696025910 ~~ 3872 11/16 $11.31 724562090 3882* 12/01 $310.74 .980935050 ~- 3873 11/16 $46.00 975644580 3883 12/02 $484.27 729080960 ~~ 3874 11 /23 $6.41 724073440 3884 12!07 $3.58 ~~ 722044760 3875 1'1/24 $11.31 725100650 3886' 12/07 $9.14 722047880 ~~ ~~ 3876 11/24 $30.83 725275780 3887 12/07 $24.13 722085660 3877 11/23 $3.58 724095690 3889' 12/08 $759.03 983451680 ° ~~ ~~ 18 Check(s) Posted = $1,768.23 ~~ An asterisk ('`) indicates a skip in sequential check numbers which may be caused by one of the following: ~_ A check not,yet received _~ • A check that was converted to an electronic transaction, which w ill be listed in the "Electronic Checks Posted" _ section below. If no checks we re electronically converted, this section will not appear. page 3 of6 921705662 °'' / 1-877-SOV-BANK (1-877-768-2265) www.sovereignbank.com Electronic Checks Posted Check # Date Paid Amount Payee 3870 11/10 $679.34 GM CARD 2 2 Check(s) Posted Electronically= $720.36 Please note: Statement Period 11/10/09 TO 12/09/09 SOVEREIGN INTEREST CHECKING Check # Date Paid Amount Payee 3881 11/23 $41.02 VERIZON AR The merchant you paid has converted these checks into an electronic transaction. Because we did not receive the original check or a copy of the check, we cannot provide the check with this statement. If the check number is zero, it means the merchant did not provide the check number in the proper format. Please refer to the 'Account Activity' section below to locate the check number in the transaction description. Account Activity Date Description Additions Subtractions Balance 11-10 Beginning Balance $6,186.48 -11-10 GM CARD 2 CHECKPAYMT $679.34 $5,507.14 091110 3870 11-10 PAWC PAYMENT 091109 $44.40 $5,462.74 0645673 11-10 CHECK 3869 $4.85 $5,457.89 11-12 CHECK 3868 $3.58 $5,454.31 11-13 CHECK 3871 $6.51 $5,447.80 11-16 MELLONHRIS BENEFITCOV 111609 867561351 $351.65 $5,096.15 11-16 CHECK 3873. $46.00 $5,050:.1.5 11-16 CHECK 3872 $11.31 $5,038.84 11-23 VERIZON ARC CHECK PYMT 091120 3881 $41.02 $4,997.82 11-23 CHECK 3879 $10.59 $4,987.23 11-23 CHECK 3874 $6.41 $4,980.82. 11-23 CHECK 3877 $3.58 $4,977.24 11-23 CHECK 3880 $2.37 $4,974:87 11-24 CHECK 3876 $30.83 _ $4,944.04 ~ 11-24 CHECK 3875 $1'1.3'1 _ $4,932..73 11-25 CHECK 3878 $40.00 $4,892.73 12-01 CHECK 3882 $310:74 $4,581.99 12-02 DEPOSIT $395.34 $4,977.33 ~ 12-02 CHECK 3883. $484.27 _ $4,493.06 12-03 US TREASURY 303 SOC SEC 120309 A SSA $1,354.00 _ $5,847.06 12-07 HARP HEALTH CARE PREMIUM 0229627771 '$34.00 $5,813.06 12-07 CHECK 3887 $24.13 $5,788.93 12-07 CHECK 3886 $9:14 $5,779.79 12-07 CHECK 3884 $3.58 $5,776.21 12-08 CHECK 3889 - $759.03 $5,017:18 12-09 PPL EU ELEC SVC 7914075001 WS $55.39 $4,961.79 12-09 PAWC PAYMENT 091208 .0645673 $37.97 $4,923.82 ~_ 12-09 INTEREST CREDIT $0.04 $4,923.86 12-09 Ending Balance $4,923.86 page 4 of 6 921705662 AoaaAr vouwa rr 3848 H/SLL YgllNG m>am - rsa a iwar o!5 '~ 9.4{/1 i15 raggf.73o awt i_f~.-~._.._ a E ~, ~ef.~' ~p ~ y. , _...--... i ~ onll•Rf ~ .fir 'rpf •' Ar~i7~WYL1L7~ 1J4lill~. a;23i~7'~~~~a. 6~i~t7t~3a~i~~'38'68 921705662 # 3868 11/12/09 $3.58 r ~ PC~IT 1'C:LRI4: HAZEL NG[lhKi rsrau ~~'~ ~sr~a.J H1 R 4'K3~1 ,.ll ''r R1G7A -R tRYS~`'i! e4 `\. ~ID~;~'tl ~ y ~ ..r otr;v ~S ''~t..t+:-.+?. en'^*c.~ ~'~'L ~~ivr _. ~ ~ $ is ~1 n ~ r. •,q L/~ a • 9 3 S'tT4C3rfj~ ~itl'I~ v _ ~ a:2~iiT2'r~la: [39237~S6b2-i 38?Z ~~^' 'r`Qt]t3~9DGII6 5 tt 921705662 # 3871 11 /13/09 $6.51 xx~aear Yvuwa rr~c~vs 3873 rte. Yaux~ ~,+ R tsrx.ti cR .+ r.., 7t~Ll rA 173. -~ 94~ _I ~-'r L._-_ mews [~p,j~-,~:y,T: ~`~-'~.•-~1Y1+4Y~1~,{c k1H 1!3 ~ ~P il~.~ 0 ~c.~y. - - -:t~er~.s..~ fr.#~F ~ w-~~..~._.~.D~s~.aret :~ -- ~z~t3~as~~. a~=tie=ss~~~aa3 rQ~an~eorJr• 921705662 # 3873 11/16/09 $46.00 ~ poeesar '~ , ~. L YOUiiCi rnar~a 3675 iRtHall N tlWtA?ab SiblS.x.'f ~!ll ~~~'~ rM•ron. ~a •nvtaos j $ 71.1 ` iT ~y~`-s __ - SS 0 ~ ~55't?1rE~'BI~[i ~7II~ .. ~,33~392'~9~• [3"#2 L7t15s52f'3F3't5 !/ v 921705662 # 3875 11 /24/09 $11.31 s __... - ~~ ta~rr, 3977 ~n?'9 c9N •J CMa4 ~1.. a a ~SO~I~II ~.lli1E! u~ " ~ K23C3aZ6gL~. ~7q~2 ! i74~6C2~387'~ ~. 21705662 # 3877 9 11 /23/09 $3.58 T xae~r ye;r-~a HrLiEt YCSilPkl t 411 • E 6,~ - ~~~~ YlWi .l R LA7 a W 6'~i.A AA a70A.isYi v unt~Z1.5e.a a ~6 t~ici..~ss;+, rtLR~YI ~'# ~ ~ r ~ la,w, ~-Ef ~~ S ~j~~ ~." n ''~~''~~ ~~ ~~~~ /~ '~ ~ .S11O-.17i1.~~~1~ F- JET ~ n - _ p - 4V1{ C/ C.. ~M1~+je{~~l1$a n _".~J" d E23i3't2691a; 99~62C5i1F~2r3~'i9 + 921705662 # 3879 11 /23/09 $10.59 page 5 of 6 Statement Period 11/10/09 TO 12/09/09 ace~T vvuwa 3864 a ` 1fP3tt YdL~AHL ', ~ yd H Cx4th R4 ~pa]4•, w. xslr.aw rh wn gx~~.:d"~:_.__ E $h y # ~`!-nL1J:+7J~ .~'7 UtV - DDLL~RL !~:' efto.. ~ Y ~.~,.~~ ..,-. ..J` '~~~jm~ ~LLila ~ ~ Y []92i7 f:2~i3?@89i~: 0§56c~'3~869 921705662 # 3869 ---- ------,---.~~~,s,~ 11 /10/09 $4.85 _ nvsewr wed .~,, 3 a 72 / ~ HAZE/. Y41ENG •at tts rr lii9l,5 af ~~ . •"x a~ N tat-i~6 a '~ - ~~,®.~ ~~.a-ate - DOLIMY• W ~" ~ =~~F^EYiC~T1U~ ~~ _ f:~3i3721G41a: I)~f2i?f75LL2r38?~ 921705662 # 3872 11 /16/09 $11.31 ~ <3~ERTYGiiliiEf ~ : tv~. mwua ti ,,,~, 3874 •.,.,~ , 'li l/ tfl3A Al. ri i v~aaAioN j' ~~~ ire. i~'~~ Al nu r~r.~'k`2,affi: ~ ~y.'t~ - a rtz ~n .5 ~.~0''R~~~P1L1~ Cy ~a GI m''~~-`tom .'T a: 23i37~Ca4.~ t7~2iTi_756~,cv8'~. _.. 921705662 # 3874 11 /23/09 $6.41 ~I ~ ~ m ~ .-~,.+a~ .3878 e~ II4 H £J'+AP1. PI ~~ rt ~_ _ n ~I ~' ~ M1 '.. d r e ~ ~~S ~ 13 I ~li~#r~ ~•~ ~-:I~~bG ~FI•~~! ~ ~ V _ a.rt 921705662 # 3876 11 /24/09 $30.83 ~E~ ~L~ ~~a5.-.a X878 -t~iAL YQUNC :.rye TL R F11.Pa.ia,:i7 C•k7.15 as eKGK~) ~art~N~.iRf. ~.~:e~~{ w +~. -}~~ m ` _-?.~'--~"~. '~~''if~_i4~1~._ ~,RF.2~.d.__ -._...~~...~,_..e__.___..._. ~A04LaYYS ~ .a~_ e~ ~s'rn-~c~ Ba~tK +.23.E3?~9la. f7~~~9®56:.2r3~78----- q~ 17n5F62 # 3878 11 /25109 $40.00 lUlI84 YC#1H6 ~~.t:s ~4 M FF4Yx $HII~` -. ~~~ :2~:3`tP'';9~r;~i9ti`?fl56~.2~y8t3C~ 6f](iCW9237d 921705662 # 3880 11 /23/09 $2.37 921705662 7a. Statement Period 11/10/09 TO 12/09/09 tp9ttim ra -u~€ ,~~, 38E2 "~ •w+~o 1LY M C~QA~7P. . _ FIla'lI X-* ~ ~±.~ ' y.~ v4x Q ~ -5 ~ am. y ~ ~ ~ ~~~~~_,_. a.n /l J . ~ _ ~ ~ ~ t -~~'~'~1`~iuw~KiL.S.4~ ~lylM4y,6.'ti°S~~iclyy -~~~ DOCLMi t'~t ,r.... i~41~'~t~,II Be`LD~ _ -.231?~~91~t QR~i7f1§66~~3882 921705662 # 3882 12/01/09 $310.74 `~ 0 T a~srrr r[avrvc s.,,,,,~,. 388 A '+ hlAdEL ~uxG wa:,mav ill N ~i91A M_ 7iF RR ~ wris'~~..Lln1" rte. si~.,vko~„~s.a~'€3~Riat ~ ~ s~ 'r i~ .~ - " p Svv~crei~n Baml~ p' wW~ E ~-i~~ ~ 4 r "~i x:2313?2S9k3 t)92:?~566~~~3dH~ ~~C[30L16Id~$r'- 921705662 # 3884 12/07/09 $3.58 r I a N MA2~. 1t~iM1G+ i 931.11 Di'JLA~Yi~ ~f ld`faercis 3Q B~ car ~i ~ 'i~lf~ i~ .~..R~e T'SRA•~i~. R~R'S OiI•ji• 4 1 ~ y~~,~ . a Ini. . ~+; °~ 5a~sef B N A w ~23i342E9i~G [35213 ©~iyeP.'3887 921705662 # 3887 12/07/09 $24.13 ~- - a n. 3aQ~if YGUM4i ~' 14AZEL Yd:4FhF9 v +•'°Mi°' 3$~~ lViINV ~ ref ~fNCl4 iil r7 ~ ?. C1YYit its 'ITtS.JK'YJ -~ ~1 - ~ H ~ tr _ A. i l~-~t1 • /'i fry _ : ~'~ ~ ~+.~w~+C.~+~~.F~ 3 +~. !•.!l7~.D~UM ~ w ~~yy yy ~! f 4,` ~-~reereign Ban2c ~ .~23133Z643~._ .. [ig237f555G~Dt;883- _r. . .,. .~ _ 921705662 # 3883 - 12/02/09 $484.27 ~ a ~ee~ ~ ~. « ear~ ~ w , w ~, ~~h 7DS1~291 ~''y~ eMR `4~C ~~~,y~ n+i ' ~' ~LLiM ~3 Q ~ a?{1SY'f~E~ Q~~ ~ sy~ ~~i5.1 ~ ~~.~ r ~ t~ /1p } qrrp )) { FF fa }n~~y ~ -.,b-t a133'T t$9LC _tJIF ~T'Y ].Y~G~3;~~tl >Qaf VV~,«~ 921705662 # 3886 12/07/09 $9.14 R68iE~t'arkliJ6 .Mra.ac ~$$~ l1a17.EL Y'CItH3 ~,-.~. rs. ri rncw sat ~H~.w :r estrasn ' aaim7:* < ~ 1: 23i37259U: ta92iP05662a38a'i9 r*~3000L} ~903~' 9Z 1 /05662 # 3889 12/08/09 $759.03 page 6 of 6 921705662 i ~ Santander Strong-- Sovereign is part of Santander, "Global Bank of the Year."' ~ ~ Statement Period 12/10/09 TO 01/10H0 SOVEREIGN INTEREST CHECKING For your convenience our Customer Contact Center is available from 7 am - 8 pm EST, 7 days a week. Cal! us at 1-877-SOV-BANK (1-877-768-2265). Hearing impaired may cal! 1-800-428-9121 (TTl'/TDD). ~ 00000 -o ROBERT L YOUNG AND HAZEL M www.sovereignbankcom YOUNG LIVING TR HAZEL M YOUNG TRUSTEE 0 0 0 0 ROBERT L YOUNG TRUSTEE ~ 0 09 0 124 N ENOLA DR 9ooo~2ss~ ENOLA PA 17025-2520 You might have noticed that your statement has a new design. You'll get the same detailed account information, but in a more environmentally friendly format In addition, the Federal Reserve Board has published final amendments to Regulation DD (Truth in Savings). Starting with your next statement, your .statement information will now display a summary of the insuff`ident and Unavailable Funds Fees that are assessed to your account for the statement period and year to date. tf you have questions, please tat! the nu~nbe~r at tfte top of this statement. t~t~m The E Pay discount currently Offered for having automatic payments from a ~oa~ereign accat-nt will no longer be available on new Home Equity Loans and Lines ~ Credit, and on auto harts, effective Mardi 22, 20I0. To continue to have the .25°~ rate discount available to you far a future loan you should c~nsjdet upgrading to Sovereign Premier Checking, Along with the .25% discount, you'll also enjo}r the other great benefits of our hest checking account LCL1N6aD ~~ • Shop fatwhat yrriu went, lilcean MP3 player, flowers, dc~thing; orb forvvhatyou need, fikertewvvind~vus, a lawn mt~rwer, dr a mic-~owave, and earn Cash Reward3 an every purchase you make with participating retailers_ lust be sure to use yt-~r Sovereign Debit Card and get up to ~U`~o in Gash ~tetivard5 automatlrall~r credited tv your Sor+ereign checking account monthly" To register for your rewards, go to stwereignbank.corNre~rards today/ ^~ tan arwsrR a+ ram a =~ •~ nssrat.~" ~eiysr{ see. nA`a.f ~r tg1.Se~an~ clan Ml~uea ~ ~>n. n w.ns.. ar c+,eer~R rsainat .ed tool nHiM'. Atea W n{~ r icvsa• boa G.R. 4a.+' rx l~rtraa n; v~t~'P~t ~~ orn~ P2?h! an FrnarA'aeP tHr: Ar!'cii: Y tR'•I~+r+a~rer wiaa :1 R~ r~~ Sovereign Bank is a Member FDIC and a vfioly avn>ed subsidiary of 0anco Santardu, SA ~ Soverdgn and its logo and Santander and its pQgC 1 Of 4 Q logo are registered trademarks of Sovereign Bank and Santander, respectively, or Ihee alRliatea or subsidiaries in II,e United States and other ,,,,, countries. •Acmniing to The Banlror, December. 2009. ]Gi1lriCs 921705662 ~~ ROBERT L YOUNG AND HAZEL M YOUNG LIVING TR HAZEL M YOUNG TRUSTEE ROBERT L YOUNG TRUSTEE Account # 929705662 Balances Beginnrng`.Balance" $4.923:86- -~ Current. Balance --- ~ ~ '' ~ $4 199.16 Deposits/Credits + $1,354.03 Average Daiiy Balance $3,796.84 WittTdrawats/Debits= - $2,078.73. .._ , ..;., .- Interest _. Paid'-this Period ' - $.0.03 Annual Percentage YieliiFamed _ - 0.01%' Earned this Period $ 0.03 Paid Last Year $0.70 PaidYear;To-0ate $ 0.03, . _ ~ ~ ..__ . .. _ .:. _ _ ._ -- . `The interest earned and the interest paid may differ depending on when interest is credited to your account Service Fees -Itemized Date # Transactions Fee Total MONTHLY;MAiNTENANGE.FEE 01/08/10 -. 1 L 00 ~ $10 00 , FEES WANED 01/08/10 1 -10 00 - $10 00 Total $0.00 Checks Posted Check # Date Paid Amount Reference 3885 12/14: $'100.00 985586290'- 3890' 12/11 $600.00 670234420 3891 _ ~~' `,12/i7 ~= $11A6 6i377212t) 3892 12/16 $6.51 696101450 389.3 ~ "12/17' $21 `.15 62Q726880 3894 12/21 $11.31 622556690 E3895 "12/t7 $30 :79 GM CARD 2= 3896 12/18 __ $7.77 613974470 Check # Date Paid Amount Reference 3897 12/17 $23.52 fii 3772130 3898 12/16 $11.37 986885040 -3899 ~ ` 12/23:- $7.00 '-> 638830540' 3900 12!21 $213.60 614776340 3901 ` 12/2 $213.60 ~"fi1'4776370 3902 01/05 $10.41 993119120 E39Q3 ~ . = 01 /07 ' ~ $59.80 VERIZO[~t AR 3904 01/05 $1.43 993238720 16 Check(s) Posted = $1,600.12 An asterisk (') indicates a skip in sequential check numbers. Account Activity Date Description An (E) indicates check was converted to an electronic item. Additions Subtractions Balance 12-10 ... 12-11 Beginning Balance ... . ._ , . CASH CHfE, 3890.. f.. .. _: _ $600A0 .. $4,923.86 . - $~ 323_:86..' 12-14 CHECK 3885 ~~~ ~ t~-~~~~,~ ~ $100 00 $4 223 86 12-15 . MELLONHRIS BENEFITGOV 12:1509, vti _.. ~' ~ . , X867561351'`. - $365.85 - - : _:$3,858.01 s r 12-16 CHECK 3898 ~.,~s~,,,~ $11.37 $3,846.64 _12-16 CHECK 3892 Lr - ': ~ $6.51 - -: '$3,84IT:13 7L-1! (~M C;AKU 1 I;HtC:KF'AYMT 091217-3895 $301.79 $3,538.34 12-i7 CHECK 3897.-~` 'o ~~ _ .. . , _$23.52 - - $3,514;82;>; 12-17 CHECK 3893 ~ \ „~ $21.15 $3,493.67 12-17 :CHECK 3891. ~h ~ o -ti~3e.~ - $11.06 _: :$3,482:51 `: ._ _; 12-18 CHECK 3896 ",1 \ ~~`~ $7.77 .. $3,474.84 1221: CHECK 3900 $213.60 $3,261:24 12-21 CHECK 3901 ~ ~n,t .~}~ l $213.60 $3,047.64 i2-:21 . CHECK; <:z.~3894 ~t R - - ~:; . , .. _. .... ,, ~ $1fi.31 . _ ~ $3,03633 12-23 CHECK 3899 e-q ~~,e ~ \} ~~~'o~,,~~ O e..-~c~ $7.00 $3 029.33 12-31 - US TREASURY 303 SOC-SEC 123109 $1,354.00 A S5A ,. :$4,383.33 page 2 of 4 921705662 Account Activity (Cont. for Acct# 921705662) Date Description Additions Subtractions Balance 01-05 AARP HEALTH CARE PREMIUM 0229627771 $34.00 $4,349.33 01-05 °`CHE~K 3902 .--~s~.+. ~; $10.41 $4.38'.92 ; _: 01-05 CHECK 3904 b. ~c ~-'K.i4Y ~l-Lgc~~~n~ $1.43 $4,337.49 01-07 VERt20N ARC CHECK PYMT 1001.06 .: ,: .. ..3903 ~ .,-„ -... - - $59.60 ;. ,$4,277.89 01-08 PPL EU ELEC SVC 7914075001WS $46.19 $4,231.70 01-08 PAV1/C-PAYNIENT:_100107.0645.673: - ~_ ,' ," .:...$32.57.. $4:199.13' 01-08 INTEREST CREDIT $0.03 $4,199.16 01-10 Ending Batance $4,199.16 IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMER SERVICE CENTER AT THE NUMBER SHOWN ON THE TOP OF YOUR STATEMENT OR WRITE TO THE BANK FOR DEBIT CARD ISSUES: Sovereign Bank Attn: Debtt Card Services MA1 MB 301-06 P.O. BOX 841003 Boston, MA 02284-1003 FOR ALL OTHER ISSUES: Sovereign Bank Attn: Client Relations 10-421-CRI P.O. BOX 12646 READING, PA 19612-2646 Please contact us if you think your statement or receipt is wrong or if you need additional information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error appeared. ~ Tell us your name and account number. ~ Describe the error or the transfer that you are unsure about and explain as clearly as you can why ~ Tell us the dollar amount of the suspected error. you believe there is an error or why you need further information If you tell us orally, we may require you to send your complaint or question in writing within 10 business days. We will promptly investigate the matter and call or write to you with an answer within 10 business days (10 calendar dayys in Massachusetts)- If we need more time, we may take up to 45 days to investigate your complaint or question If we do, we will credit your account wxthin this 10-day period for the amount you think is in error, so you will have the use of the money during the time i takes us to complete our invespgation. If we ask you to put your compla>nt or question m venting and we do not receive it within 10 business days, we may choose not to credit your account. For errors involvingg new accounts, point of sale purchases or foreign transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results of our investigation within 3 business days aRer completing our investigation If we decide there was no error, we will send you a written explanation. You may ask for copies of the documents we used in our tnvesttgaUon. Important information about your Sovereign Debit Card The networks through which some of your Sovereign Debit Card purchases are processed have begun allowing merchants to process your purchases without either a signature or a PIN. If you are not required to enter your PIN when you make a wchase, your ppurchase may be processed either through the Visa network or through the STAR or NYCE networks. If your purchase is processed throup~t STAR or NYCE, different terms apply and you will not be eligible for the rights and protections available through Visa Please see your Personal Deposit Account Agreement for more information. R~ ~a ,.,~ s ess N..n3. roaAm „~ Iti 4 t~.'4l711 _y~~ F]4blill f'l~fll~ Cua3 Y ~~'~ ~~ a~ '~ L' ~:23~g7769i4 t19~f7D5662~r3B85 r`flDDOO~ 00~' 921705662 # 3885 12/14/09 $100.00 ~ - - c _ _ . _ .. - - ~ ~ - ~ ~ 3891 ~. ui r.wtauoc - • a.aan '~ ..~ 11RA M Yl~j , Mlikil`t'S~OQ _ 3, ~ . n 13antt ~ ~t313P21t:~i~R D4Lit'05t;.G.tu~3agl - , - ^,~. 921705662 # 3891 12/17/09 $11.06 page 3 of 4 D+r- ~ -~~ ~Xi31'` aeso a,an., areas ~„~ve_.3~ t~o4 ~JUTO Pt ~ ~~' B~Q BEClI I~ry_ _ 004 ~1 ~ Mal I~ ,... - r:23i34?i9i~= Og2i'-0566A~389~ 921705662 # 3890 12/11/09 ~6UU.UU ~m 3852 PIfb1~lM 7i~+ti~ n p[r s.rwM tt// ~ as 6Dii_ -waww ta° `~° s. ,~ t; ~; ~ ~g q ~~: X19 t 140566 t~ 389 ~_ #ODOOD(j~0 G S it 921705662 # 3892 12/16/09 $6.5'1 921705662 `~ L Statement Period 12/10/09 TO 01/10110 y ~ 9893. iy~ R O/aA l7l gyp _ ~ p~ ~ A ~~ypa,~6~i~,~.a--~,l1?anrC+-. 9th ._.._`=aou+~wc B ~: w- "~SO~ ~BIIs dal ~t+~~3~~Y.Yf - --~~! -~.~es.+~-.'. _ ,. 423t39769:~C D92i705S62a'3A'i3 rD00000t-i5j 921705662 # 3893 12/17/09 $21.15 AOaEMT YaW10 - (v 3$$6 ~ !YX-~ 7701WJ>D ~~ N q ' 1 "`~ ~C2313T2891aG D4t1746Gi2r3~8g~ ..-- 921705662 # 3896 12/18!09 $7.77 ~ot>Exr'rou+r; f,,.,~; 3858 = ~"++iFA P- ira~i ew 1: -. - K +iiai.w MS4wa~~A7ly ~ ~ 11.'b~ x ,eLf., ~ 4`23i3T269i~ 0421?p56s2_~/3898 921705662 # 3898 12/16/09 $11.37 ro ! _ iIC ~^^+`~'- 3904 aw..~ Ii ~ ~ ~~ .xrwna.sa ant iw 'n®>mi - .. ~t~.-1~P~7 ''~ ~j~j r ~a~ufi+~u Jaa~ ~.ti.~i _ _ _ ?~~..~~ 1 s+~b~ ~ ti _ D ~ N - ~~ ' N V rt21i392&4110 D921P05Si<?M39DD 921705662 # 3900 12/21 /09 $213.60 ,~~ 3802 ~ Ko.Gs~ b~ . eaati rn ocasas» or f ~ ~,~.. ~~ . p,~ 4~3~3726414 Q423?D566tN39D2 -.~. 921705662 # 3902 01/05/10 $10.41 P ro , ~ ro>.rrrnant saa~ [YdwM 7'J~il1i .n..a . _ R ~ ~~.t'~.ti4 . __ ~ S 1131 t . pR~ N ~ S.S~lh~~~ D ...... .... __ .. .. iiLLya '~ 7 ~ ~~ ~ ,..aa~t-~ooa ~ 1~rr- - . ,.r . 42ifl42L9Z4 D92~7iD56S2M3694 921705662 # 3894 - 12/21/09 $11.31 ~~ r 6 ~ ~...~. _ _ F• AOSQT .• ' ~ ~ . _. . .. .9$~7 S .. aA ~ i . W NOGtAOII - _ ~ LL01A~ 717 1 1. _yy,s es*~y ~ V • ' ~ '~ ~ K2 3 13 7 249-iG~ D92t~066C.2r384? , -` 921705662 # 3897 " ..... 12/17/09 $23.52 ~ - ~~ ira~vm ]899 1}a M [MO/lOl 1 Y7mi~ M fllSSl67i ~ #~ ar+ •~ ~ ~ w(~`-r.a yy ' "' ~ ~S ~ ~-aD Y ' BO'V~ET~ ~ `!S"' H~ ~ v ~ p -/l.~fJ~t~r~' ~~~J~z ' 4~Z]iiT2Egi+C_ ~4di7OSGC-te!.iS49 l"000DDDQTOOI- .~ 921705662 # 3899 12/23/09 $7.00 ~ ~ 381 1 iMMO1QA Ol b e~w rf~ raeaaor .+ w>•S 4~ ~ __~y ~ ' ~ - -l.a.~ a....Y 4`1'3i342Ti9NC m9I2i9~DSG62r3'941 921705662 # 3901 12/21 /09 $213.60 atoele:wr rnuina ~,~0 8944 ~>a rvuus ,,ate, na r claw o< vnu- ra no~ax ~~ poi }ri~S.i ix•, ~~_~_._ ~~~~..,c. : $ L`~~a ~.e~~ 4X 6G lW bi ~ _' -.. a.~3i37t64iiC pgi~7p5g62~-94D4~~~D;4~ 921705662 # 3904 01/05/10 $1.43 page 4 of4 921705662 r ,~ .y Santander Strong- Sovereign is part of Santander, "Global Bank of the Year."" ~,~~ Statement Period 01/11/10 TO 02/09/10 SOVEREIGN INTEREST CHECKING For your convenience our Customer Contact Center is available from 7 am - 8 pm EST, 7 days a week. Cal! us at 1-877-SOV-BANK (1-877-768-2265). Hearing impaired may call 1-80(}-428-9121 (TTY/TDD)_ ~ooooo-o ROBERT L YOUNG AND HAZEL M www.sovereignbank.com YOUNG LIVING TR HAZEL M YOUNG TRUSTEE o 0 0 0 ROBERT L YOUNG TRUSTEE 7 0 09 0 124 N ENOLA DR ENOLA PA 17025-2520 900012337 NoMrthroughl~tard719, takeadvantac,~eafa4re;3ifvicedinta~ductoryrat~eonourFfec~"time Equity t.~ ~ CrE~lit. lust set e~p auoornat~+c payment #rara~ a qualifying Sover~+gta ~hedriog or savings accent arm you'll get our spedal rate far t#ue first #oor biltirtg cycles after th>e account is +~ned. After tl~,at. ~rou'lt get a low intre~ttory rate tk~at is tied ~ th~ PrFrne Rate. And, the inUe+rest you PaY may be tax dedudti~e .Far rates and other inforrruatron, please cad i -877-4-MOAN, vi6Ft 5aV+2fe~gr3banlCx~b9ines or stop by your bcal br_ 'rJMCf. Wh-/eer IA iQ3'[R ICA~DH~ Protect your valuables ar;id important documents and get the peace of mind that comes from I<nnwing they are in a safe place. Get the enhanced security of a Sovereign safe deposit box. SOVEREIGN INTEREST CHECKING Statement Period 01/11/10 - 02!09/10 YOUNG LIVING TR HAZEL M YDUNG TRUSTEE ROBERT L YOUNG TRUSTEE Balances :.: _ _ , _ , ,Beginning. Balance __ _ $4.199,1.6 Current Balance - $4,232:78 Deposits/Credits _ + $40,542.36 Average Daily Balance $14,326.46 INithdrawalslDebits $40;5D8.'74 Sovereign Bank m a Member FDIC and a wnoly owned subsidiary of Banco Santandu, S.A ~ sovereign and Its topo and Santander ane its 921705662 ~ge 1 Of .5 ~ byo are registered iradernarlm of swueign Bank and Santander, respedivey, or their affiliates or subediaries in Me United States and other ,,,~ countries. 'According to The Banker, December. 2009. ~~ Interest - ., Paid this Period ` _ $ 0:'11 Annual P~r~centage Yield Earned 0.01% Eamed this Period $ 0.11 Paid Last Year $0.70 Paid-Year-To-Date: •. $ 0.14 - - . _.. _ _ - 'The interest earned and the interest paid may differ depending on when interest is credited to your account. Service Fees -Itemized Date '` # Transactions Fee Tota! MONTHLY MArt~tTENANf;>= FEE 02/09/10 1 10.00 $10.00' FEES WANED 02/09/10 1 -10.00 - $10.00 Total $0.00 Checks Posted Check # Date Paid Amount Reference .-3905 -= 01/13 ``~ . ~- ;°$28;00 - '62U355850,~: 3906 01/15 $571.80 616295600 394:7 •~ 01/15 $8.16 99723236 3908 01 /11 $1,100.00 635433430 3909 01 /21 $105.70 - 97036131`5' , 3910 01/22 $61.60 637916710 39:11 ,.`01/28:° $35.33 973794&fi:0 3912 01!27 $184.62 638525250 E3913 -~` 01/22 ` - $479.79 - GM,GARD'2 E3914 01/22 X30.04 VERIZON AR .-39.15 '01/20 `$32.85 - - 998444300': 3916 01!26 $594.33 972360655 Check # Date Paid Amount Reference - 3917 ~~ V 01/26: ~. $5`05 ~ !" 972756f45 3918 01/27 $20.22 973416540 3919 "" 01!29 $i 0:00 ' ~ 974533620' 3920 02/01 $6.94 974850050 3921 - 02/04 $1.7.15.- 97-7023830 3922 01/28 $3.58 974053380 :3923 ,:01/29 $26.45. _ 638820940. 3924 01 /28 $7.16 613919230 E3925 _, 02/08 $61':7.79 . , GM,CARD 2 3926 02/08 $15.29 978646730 .3927. 02/08 ~ $92.52 ~ : 978328905< 3928 02/08 $4.52 978741370 24 Check(s) Posted =54,108.89 An asterisk (`) indicates a skip in sequential check numbers. Account Activity Date Description 01-11 Beginning Balance - -- - - -- - 01=t1 Dl= : OS1T : An (E) indicates check was converted to an electronic item. Additions Subtractions Balance $4,199.16 $39;008.25 _; ;_$43,207.41' 01-11 CHECK 3908 T ~~ $1,100.00 $42,107.41 01-13 CHECK 3905 -e.+tn T'. : • :~ :' $28.00 '=_$43,079"41 01-15 CHECK 3906 q tor~,,~,ic~e ~rtsu~-wnLt $571.80 $41,507.61^ 01"-15 MELLONHRIS BENEFITCOV 01:1510 867561351 _ ' $365.85 ~ ~ ;;$41 X141.76 = - . .._._ 01-15 CHECK 3907 ~~ ~~~ ,~ ~ $8.16 $41,133.60 01-t9 ;,WTHDRVVL.; :. _ , l3 `1 ~~ -. $35.000 00.;;. _... . ., =:;$5.133,60!: 01-20 CHECK 3915 C ,~, d,..,,~ _ $32.85 $5,100.75 01 "21 CHECK .- 3909 gg~~ s.•~•,,3~~,-p `T_c~,n a k.~ $1x5.70 . $4,995.05 01-22 DEPOSIT $1 80.00 $5,175.05 01-22° GM CARDY2 CHFCKPAYMT ~ 00122 3913. _... = ,.x;;._,'' $479 79~ : -;` ~~ ?:$4,695:26 '. 01-22 CHECK 3910 ,, er-n rs 0 ,~ R, $61.60 $4,633.66 Q1-22 VERtZON ARC GHEGK PYMT 100121 3914 ,.$30.04 `' <$4;603.62-' . 01-26 CHECK 3916 ~ 3,\__ ~ 1 C 01-27 CHECK 3912 j~$~5'7C_S 01-27 CHECK 3918 p"" C 01-28 CHECK 3911 ten}-~,_ ~'~ 01=28 CHECK ` " 3924 ~'~.jv.,~,,~~ ; s 01-28 CHECK 3922 01-29 CHECK 3923 ~ha.- 01-29 CHECK 3919 rq (tteC( ~ 02.-01 CHECK 3920 ~~n ~ 4 02-03 US TREASURY 303 SOC SEC 020310 A SSA ;,~,.r $594.33 $4,009.29 55.05. ' $4,00424 u~4~ _. ~. ~ $184.62 $3,819.62 ~,. _ $20.22 $3,799.40 $35.33 $3,764.07 R ' $7,1 $3;756.91 ': $3.58 ,tf Qp- ~ ~ $3,753.33 _` ~ $76.45 - ~ < $3.676.88 ~,- ~-, $10.00 $3,666.88 ~~ ~ $6.94 -$3.659:94 d $1,354.00 $5,013.94 page 2 of 5 921705662 rrouwo 3909 ~` NI12tt'R%INO *a~r 1A M {}Qt ~ M+~s/ '~~. /~+ir9J~fp 1 +~ rs~s~ r-.. -. _ __.. ... - ... _...__ ... _~.... , _..... w BO'SC"I'C{~II)31i3Y ~,;; ~zl+fo? d t3 i 34 tC~9 31: 09 Z i705S6 2s39a9 921705662 # 3909 01 /21 /10 $105.70 ~R ~ ~~, 3911 /DI N BIOIA Sl1L o.o,A ~'~ ~~ rA N, ~~ 7Q/ O ...(.~._.j~, k~ N ;~ ¢ T,~.~> car R~~.FE?' s ~~• 33 /// CC// oouNS 8 ~'QTQign BALD ~ao~lf 7~ l~Z ~~'~_ i~tiry F,.~ r 1: 2 3 1 37 264 11: 09Zi?05662x'3931 /'DOD~03533r' 921705662 # 3911 01 /28/10 $35.33 n„r~o 3915 @~ N C!OM Oq ~~ vla~tw117l6tFl~D ,.l~S~Ax- lpf~~?d/a ..,,. ~ ~tAt~ rc ~ 5 32~ QS BAril[ rL23i3?2091+: D92i7D5662Y39i5 921705662 # 3915 01/20/10 $32.85 ~'tiouMet ^..srn 3917 ». !! c»a. on 1 ~ Zo/ 8 wpio*~ Wi/1I3i s»i'l_S .~B 1(~/y10.~_.~!~~1 ~ ~ a7 --b !i .'§~Z3? 2691: 921705662 ~ -~~ --~ [I9t19D5S62r3g17 # 3917 01/26/10 $5.05 ~r ~,~„ 3819 tN h ~flOtA dl MpA IA 17NSi9Z0 ~~~$~ ( a ~ ~. ~ P ~ ~ ap U~ne~s -~~ /o . oa Sovereign Bang 1:2 3 137 269 1. D92L7D566~r39i9 x'0 OOOO-DDDt 921705662 # 3919 01/29/10 $10.00 RO°~TYO~ s.,r~nw 3921 w1~ YpunG ,,,,~ 1M N dN01A OR ~N, tlWL3ID rR\~~-e70-O i .~..~.~=-..d~.9a~ ' tam `'' ~....>, ~ ~... g gnBanK ,~.~..f-~ ~:23i3?2593: 0921?05&S2r3923 921705662 # 3921 02/04/10 $17.15 page 4 of S Statement Period 01/11/10 TO 02/09M0 ' _ ~~~-~3 ~@D1We w.sms 3910 ' ,M RYpi AI - .~qlj~ lllOq l0. 71miOp - ~V~'~.~ ~~ZQ~ t .""'~ ~~ _~~f 60 . f _ ~~ a~eEga I3anK _ ~23t343Sgt+2 0~92i70GS62r3giO 921705662 # 3910 01/22/10 $61.60 IKS.Enr,rouwo~: 3812 ~.11ctca el+u.4nc i ...~.~~{1~1. 1~. Za/D . -' ~ :~ B$ng ~m..~,t_,.2• 423ii7269t~. D92/0d566t1*39i2 r ~Oi84~,tr 921705662 # 3912 01/27/10 $184.62 rim ...,.,,,, 3916 tii N Ef10b1 DIL 4t3133t69i~ 092i905i.i2xl39iG 921705662 # 3916 01/26/10 $594.33 ~~ 3918 ,wllQ,ancn. s~Z as /fl ~'~ OB7LA M 1t09tlm i 0 =" C fl~rV 1:23i37269iR 09di9056G2ri418 921705662 # 3918 01/27/10 $20.22 ~Ya n~ ~ 3920 q- M ENOtA 014 e1aA M 1T@bt~ rw L.~-dOlb ea t=`~ ~r.,y ~Qt,~,I S~~~.~li I ~ V ~ ~~~,~~ _C044... ~ e~ 423i372S9i~: 092 1?D5G62r 3920 1 OOOI~Ofr9VI 921705662 # 3920 02/01 /10 $6.94 wo~ean «~,~„ 3522 ~~ ~~ ~~ iiUi M !}AF M 1 BpLapneign Ban~C e:t3i342691~ ti92i4D5f,C>E~M34dt OL7 - 35sr 921705662 # 3922 01/28/10 $3.58 921705662 7 ft Account Activity (Cont. for Acct# 921705662) Date Description Additions Subtractions Balance --•,__ OZ-04 CHECK 321: ~ ~S ~.e y ~i t ct<hE ~/ `~rtS'~• ~;-~, $17.15 $4-.596 ~9 02-05 HARP HEALTH CARE PREMIl1M 0229627771 $34.00 $4,962.79 02-08 GM CARD`2~CHECKPAYMT 100208 3925 $697.79 s$4,345(]EE) ; 02-08 CHECK 3927 3 ~~ $92.52 $4,252.48 .a~-08 _ - CHECK 3928 'T"- ~, -; ` - _ _ :$15.29 $4,237.1'9'`. 02-08 CHECK 392& So~,ti k-,•~ S S - ~ $4.52 $4,232.67 02-09 IN7EI2EST CREDIT - $4.11 - $4;232:78': 02-09 Ending Balance $4,232.78 IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMER SERVICE CENTER AT THE NUMBER SHOWN ON THE TOP OF YOUR STATEMENT OR WRITE TO THE BANK FOR DEBIT CARD ISSUES: FOR ALL OTHER ISSUES: Sovereign Bank Sovereign Bank Attn: Debit Card Services Attn: Client Relations MAl MB 301-06 10-421-CRI P.O. BOX 841003 P.O. BOX 12646 Boston, MA 02284-1003 READING, PA 19612-2646 Please contact us if you think your statement or receipt is wrong or if you need additional information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on wtuch the error appeared. • Tell us your name and account number. • Describe the error or the transfer that you are unsure about and explain as clearly as you can why • Tell us the dollar amount of the suspected error. you believe there is an error or why you need further informarion. If you tell us orally, we may require you to send your complaint or question in writing within 10 business days. We will promptly investigate the matter and call or write to you with an answer within 10 business days (10 calendar dayys in Massachusetts). If we need more time we may take up to 45 days to investigate your complaint or question. if we do, we will credit your account within this 10-day period for the amount you think is in error, so you wrll have the use of the money during the time ~t takes us to complete our invesngaUon. If we ask you to put your complarnt or question ~n venting and we do not receive it within 10 business days, we may choose not to credit your account. For errors involvingg new accounts, point of sale purchases or foreign transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results of our investigation within 3 business days after completing our investigation. If we decide there was no error, we will send you a written explanation. You may ask for copies of the documents we used in our tnvestrgaUon. Important information about your Sovereign Debit Card The networks through which some of your Sovereign Debit Card purchases are processed have begun allowing merchants to process your purchases without either a signature or a PIN. If you are not required to enter your PIN when you make a purchase, your ppurchase may be processed either through the Visa network or through the STAR or NYCE networks. If your purchase is processed through STAR or NYCE, different terms apply and you will not be eligible for the rights and protections available through Visa. Please see your Persona] Deposit Account Agreement for more information. ~ ~ ~~~~~ .a ~ 'J903 ~~ya~aesr~.~._ ~ }?L O ~':iG._.-,__. ~.b04t~~a 7J .: ~ ~y ~ 1]ifia ll~~ r"~ y23-37t691~ ~D424"105GG2r3~D5 1G1dt1DDD~6~DDy 921705662 # 3905 01!13/10 $28.00 ~o~ ~~ N~ rouruz n-~a-~n, 3907 ~„ ,as w ~~ oR 6raUl F'n tAG~LRO na la-:1~^~ ~ V l .~ ~~~Ai~37~+Q --- _~_s~ OLL~NG W ~. pp ~~ ~~ ~~J) iX1[L- x:23137269 ~~. OR2 L705662r39II? 921705662 # 3907 01/15/10 $8.16 ~~ r+vw.aa 3945 n~ mupa ,R~ ra. w beau on - i ~V+4-yT~,i.~d.~~fu~e +s~~o.,n'~.p01.i8611.~S~3.i 54~~~ H~~ K233342~9i~: II9~37IISS62V39p~ tDDpQC?S7L8t1~ 921705662 # 3906 01/15/10 $571.80 M ., - '+ .. e~wte~~r~a ~. .. 38D8 ~3: N CM0.~OR S 4Q.~A T7~ 1WAeiY-S!_~i1Q i ... ... - .. ~.... ~. -.~ - y 'YMtl1 101~~~~~~ T' ~ ~ r,wo~ `t~- ~~y- _'"~'ti OQd ~1Q?YlC'*fr n~can.~'nsLt+~~- M~AI{~ GL r _~ ~~~ ~ 4z3i3?20916 t392i~D5~6zr3gp6 _.,. 921705662 # 3908 01 /11 /10 $1,100.00 page 3 of S 921705662 ~ ~ ~ ~r 3$`23 ss wa'~vJ1 PA ~~ ~i, $RYI~ M tifbalW@ `~ a -. ~~ ~~ .....c~ia „tilO:..oo ,~ ~ ~:23i372i9irC O92i4O5S63~ 921705662 # 3923 01 /29/10 $76.45 vnuru - *-4.nrs 3928 . - ta: ~ maa ow a~A.o ~„ M ,~.,~,. ,,,,. ~ a ~;~ ,cws~s LAT. ~ s ~/~?: ~" ~~~~~ ~11~anK d4J'..~.1~ ~' A;~3137tS9i~: D42i7D5662~'392~. 921705662 # 3926 02/08/10 $15.29 /~MO14AQ ~, 3928 s ~, 7Kt _ ,/D u,~,s u~~ yr, r-~ ~ ~ K soauwa ~:.. ~ 3 a ~ 31~~'f ./1?ir~tc.f 1P ~ ~:231372~9i~: 092i705662r3g28 tD0 0 2t 921705662 # 3928 02/08/10 $4.52 page S of S Statement Period O1N 1110 TO 02/09/10 n . ____. __. ,~.. w _ _ ry -. OIOGIIM fiilil:® ~ - t ~. o - gn Bdil~ _ - v . r,23i9'72B9iK 092i7C4662ri924 - 921705662 # 3924 01/28/10 $7.16 xosenvow+c 3927 ~ rouNa ~' w l7yN@Q1.1~ ~~ ~Q D+OtA M t7tlQ17i70 ~ M~~ ~A~teAG ~ s Q~- ~~-- 8overetgn Baxig t:23 137 269 3~: D92.705562~-3927 921705662 # 3927 02/08/10 $92.52 921705662 ~~ Santander Strong- Sovereign is part of Santander, "Global Bank of the Year."'` Statement Period 02/10110 TO 03/09M0 SOVEREIGN INTEREST CHECKING ~ooooo -o ROBERT L YOUNG AND HAZEL M YOUNG LIVING TR HAZEL M YOUNG TRUSTEE ROBERT L YOUNG TRUSTEE 124 N ENOLA DR ENOLA PA 17025-2520 For your convenience our Customer Contact Center is available from 7 am - 8 pm EST, 7 days a week. Call us at 1-877-SOV-BANK (1-877-768-2265). Hearing impaired may cat! 1-800-428-9121 (TTY/TDD). www.sovereignbank.com 0000 ~~ 70090 900012337 b ~'~`.~ PR~T~CTI~I~I Ate? i~l~3hY1/t`NittlJC.l~;~~' .. ~ ` Y } r`ef' ~x ~~' 4:L ~ ,'C: ~ ` 4 A [ ~ ~ , y y.: :: w ~. t- 1 V { J 4" h /. ~r~1. £ ~t ~ .Y~~~ ~ + k no,yo~~nrant geate of rn~nd` by avoltdm} paterrt~ally em~3arra~s~n~~situatiOns where yoar#ransa~~on~,~` _= ts~cl~in~ed~~iui=;to finst:rffi~3~nt.or unavai'latile~funds? F If you ir~ish to+conti~ue to al1~w the:Bank= PAY ~. `ATM',~t;Ki one-tl~rne tieb~t~purchases that Oveniravv yacEr`acta~nt~ which-rnay`-resu~t~fn av~r~f~,fe~s~~~~_ c4 ~y ayt please readEttie' notice below ~aiid either` call or visit a bi'~nrh to giire~your' ~on~+ent::; .:~ ~_ - IMPORTANT INFORiVIATtOAi Overdraft Opt=In i'~ot~: What You 3deed to 3Cnow about Overdra#ts and Overtfra#t Fens and tttt~ d~ang~es comang on Atagust 15, ZrD 10. OV€ENfEW ~ a,~erdraft occurs when yuu cica not ttaue erao~,agh rnorrey in your account ~ mP.+er a trar>Satt~, butwE pay is anywax vye can ca-4er y~,r o~rtdrafts in two different ways. 1. Wie have standard oYerdraft practices that oorr9e with your accot,~rt. 2. N!e also offer an a~verdraft pnoteRion plan rich allows yore to link adrer a~ctauni$, std as a sa4ings account cx an overdraft fxae of uedit to ca4+er ouerdtafts in yntr ct•9eckinr~ ~QUr?t This t~ rnaq be ~ e>~erlsive titan cur standard overdi<aft practices. To learn more, ask about this plan. ~~ notice ~explairs our standard overdraft practices. STANDARD GVERDRIIFT P9~A,tTICES - what are the star-dard aNerdra#lt practices that aorrate with my ;iacount2 Sovereign may cttrrtently authorise and pay wer~bfts for •,he fdk7,N+ng types taf trai?sacti~t5: R Checksarxi ether tr~sattlons made using pur ~eBcirtg adcount: ryumber ^ AE`t'hA w9thdra~wais and transfers s Rutcxnatic ts771 payments ~ 4cu~tirne debit cant trartsa~ctiorts ^ Once Baniurtg payrrsents and transfers ^ ft,t~arrr9rtg twit card transacriota We pay overdrafts at veer d'~tiora, which means ati+e do not guarantee that vti+e w~ a~,n~ys ~autf;or#ze ark pay arty type of transaction. H vve da not authorize arxi pay arc overdraft, your transactSon vuet be dedir>erd. OYERDRAI7'r PitACTiCES EFFI`CTiVE AUGUST 15.2(110 As o+f Atpgtrst 15~, 2410. Sovereign yyi~ no lor,~ authorize and IDaY ~ on tl-r folFovving types of transactions, tNILE5Syou authorize ~ m do so by visiting a branch or caking ua at 1877-SOV-8Afalif. ^ A7M v~ethdrawals ~d transfers Onetime obit Gatti ~ars~iors lllcltat i# i v+imnt Sas+erPigr~ to authortLe and ply awerdrafts on my ATAt and one-~tve debit cm!d transactions as of Llugust 15. X147 If yQU vrant ~ to atatttorire and iaay ~rdrafts on ATM and one-tune detail card trartsa~loras, the e.3siest vray to do s4 is to call ~ ac t-877-~+O-fB[AP%K ar visit a branch to fii8 out a focrrrr. What fees w~l l be d~arged iii Sovereign pays an oYerdraft caused by my ATM or one-one debit traruaction7 Under our star+~d ~erdraft ra~a~; •We uitl charge ycw a fee of eip w 535 each time vue pay an cn,erdrafL •Aiso~ if your acaootir~t is oW~anrwrt for 5 or rn~ cflnsecutive b~neis days, wee vnt chard an acSdit~onal ~5 Rer ~ •There ~ a limit of 9 fees ~ day vac car charge y~ott for tnrerdraw~rg your ac~our~t What happens if I don`t author¢e Sovereign m charge avercfraft fees on these tsartsa~nsT without authoraatior- from you, wee germsrally Yxarl't pn ATf~ ar one-t1rr~ debit sand p+srrt~;es that v.~ould ov~#avtir yrt~+~ actaur~t. ^ can A change nay mind la~rT If yorJ tell us ttlat we are permitted to pay any crlerdrdits caire~d by ATM car ~-e-drrse riebft transactions, ycou can always 4har~e fur mind and tell us you no ~~er want us tca do tt•~. You can Visit any or cat us at 1-B77-501f-BANK and tell ~s you no longer vuarn us to payy these h/pe5 of o~rdrafts. ~va~~ Sovercgn Bank K a Member FOIL and a ulio0y awned subediary of Bxrco Sarrcander, S.0. I Sovereign and ice bgo and SarRander and page 1 Of 4 Q boo are registered traeemarl~ of sa/ereign Bank and Santander, respectively, a [her afilratea or subsidiaries in the United States and other 921705662 „~, countries. 'Acc«ding to Tha Bankar Oecernber, 2009. ~~ ROBERT L YOUNG AND HAZEL M YOUNG LIVING TR HAZEL M YOUNG TRUSTEE R08ERT L YOUNG TRUSTEE Accounf # 921705662 Balances Beginning Balance : $4.232.,78 Garrent Balance ~ --- . ` .- _ $4,734:78 " Deposits/Credits + $1,354.03 Average Daily Balance $4,029.25 _. 1Afithdrawals/Debts ~ - - $852.Q5 - , .._ . .._ Interest ... - Paidahis P.eriad ` _ - $ 0.03 Annual Percentage Yield Earned 0.01% Earned this Period $ 0.03 Paid Last Year $0.70 Paid •Year-To-Date •- $ 0:17 - `The interest earned and the interest paid may differ depending on when interest is credited to your account. Service Fees -Itemized Date # Transactions Fee Total ..MONTHLY MAINTENANCE FEE - 03/09/10 - ~ _..10 00 $10 00 FEES WANED 03/09/10 1 -10.00 - $10.00^ Total 50.00 Checks Posted Check # Date Paid Amount Reference 3929 02/17` $16.00 61288549Q'- 3930 02/19 $5.05 627216340 `3931 02!16 $15.32 533563970 3932 02/22 $24.13 984520880 ~ 3933 02%22 $3.58 ' 984299fi00 °` 3935' 02/18 $100.00 983088490 Check # Date Paid Amount Reference = `3936 = 03143 _ $18.84 ...... 623514930 3937 03!02__- _ $6.76 622825920 - 3938. - 03/03 ~ %~-$9.47 ` 988763845- 3939 03/01 $75.00 987416070 :3940 - 03/08 $8334 `990525045" 11 Check(s) Posted = 5357.49 An asterisk (`) indicates a skip in sequential check numbers Account Activity Date Description An (E) indicates check was converted to an electronic item. Additions Subtractions Balance 02-10 02-T0 Beginning Balance PPL EU ELEC SVC 7914Q7300"1WS ` $62.87 $4,232,78 '' $4,169:1;` 02-10 PAWL PAYMENT 100209 0645673 $31.84 $.4,138.07 02-16 WlELLONWRiS BENEFITCOV 021510 . ; - ~ ;. ,.- .- . 867561351 `. . $365 85 .. .:- , .. ;__ ; , r $3 772.22.; 02-16 CHECK 3931 Lo,,,tr-,~ tl~,~ ["THIS $15.32 $3,756.90 02-17 CHECK 3929 ' - ~ ; :. I~''~ : - $16.00'; .:: .. , $3,7409D 02-18 CHECK 3935 )x ou,1 $100.00 $3,640.90 02-19 CHECK 3930 q ~' v ,~ - "$5.05 _ `$3;635.85 02-22 CHECK 3932 , , ~- $24.13 $3,611.72 02-22 CHECK 3933 ~. $3.58 .. $3,608.1.4 03-01 CHECK 3939 f><f~ 14 n $75.00 $3,533.14 03-42. CHECK 3937 ~-if. ~ $6.76 ~ _. ' °~ ~3,5Z63& 03-03 US TREASURY 303 SOC SEC 030310 A SSA $1,354.00 $4,880.38 03-43 CHECK` 3936 ~...~;,,~, 5 ,~.. l~r~e. SSt'x. ; $18.84 = __ - --_ $4,86.1::4: 03-03 CHECK 3938 Q.~ ~J $9.47 $4,852.07 03-05 AARP HEALTHCARE PREMIUM0229627771 _ - _ $34.OU $4,818:07: 03-08 CHECK 3940 G ~ o~ u, ~ ~ S - $83 34 $4 734 73 03-09 INTEREST CREDIT - ..;.$0.03 $4,73d'.76~ 03-09 Ending Balance $4,734.76 page 2 of 4 921705662 ~rouka 3936 qi. w P~~ as ~~~ ~ ~gro ~...~ - ~ :~,_ -~ ;Bov~ere3~tt ~At1K K 2 3 i) 7 r gyz Q9 2 i?o 556 2r~ 3915 1DODDCiO Lfi8 S#' 921705662 # 3936 03/03/10 $18.84 ~ ~ 6 O+dA -w t7aAtaan r-rwa~t 9338 ! , O o~.ewv V~~ - -` -- -- -~ S r'~I ~fv~ ~ cL _ ~~ _ oouwRa ~ _s'' ~ ~ ~ ~ ~ ~~aY~ ~ -- ~ 1~;~ ~Ii 921705662~i938 ~O p0 rt3i37269i~: 0 . D 00947r 921705662 # 3938 03/03/10 $9.47 ao~m+rwna t,.,,~q '3840 - Hnm xaaro ,~ '', M6AM UVSOiI ~ ~ O ~ ~~~df R7 X~ ,riC'S', , ~ ~'3. 3~ ~' ~8ewgrelgn BanfF ~:23i39269iK 0421TO5 62si9b0 r0 L3~Q833Rf 921705662 # 3940 03/08!10 $83.34 page 4 of 4 Statement Period 02M0l10 TO 03!09110 ~~ ~ 393 ~ rc~ii~w°'a, "moans Z +~ c~a. N~uA Z S +Et `!L n ~ ~BsnY '~ K23i372L9i~i O9ti~56Z2r3499 921705662 ~ # 3937 r 03/02/10 $6.76 ~oe~rrxou-+a ~,,N,~ 3939 tu,~64~ .ea~--~f-~ elraw ro: a~onsus- ,,. i ow~r ~osa~rW -(~ ~ i~ ~~ ~:23i3726Ri~C 09Zi7D566Z~3939 trpgQp007SQW' 921705662 # 3939 03/01 /10 $75.00 921705662 77 IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRO1vIC TRANSFERS CALL YOUR CUSTOMER SERVICE CENTER AT THE NUMBER SHOWN ON THE TOP OF YOUR STATEMENT OR WRITE TO THE BANK FOR DEBIT CARD ISSUES: Sovereign Bank Attn: Debit Card Services MA1 MB 301-06 P.O. BOX 841003 Boston, MA 02284-1003 FOR ALL OTHER ISSUES: Sovereign Bank Attn: Client Relations 0-421-CR 1 P.O. BOX 12646 READING, PA 19612-2646 Please contact us if you think your statement or receipt is wrong or if you need additional information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error appeared. • Tell us your name and account number. • Describe the error or the transfer that you are unsure about and explain as clearly as you can why • Tell us the dollar amount of the suspected error. you believe there is an error or why you need further information 1f you tell us orally, we may require you to send your complaint or question in writing within 10 business days. We will promptly investigate the matter and call or write to you with an answer within 10 business days (10 calendar dayys in Massachusetts). If we need more time, we may take up to 45 days to investigate your complaint or question. If we do, we will credit your account within this 10-day period for the amount you think is in error, so you will have the use of the money during the time ~t takes us to complete our investigation- If we ask you to put your complaint or question in wasting and we do not receive it within 10 business days, we may choose not to credit your account. For errors involvingg new accounts, point of sale purchases or foreign transactions, we may take up to 90 days to investigate your complaint or question. For new accounts we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results of our investigation within 3 business days after completing our investigation. If we decide there was no error, we will send you a written explanation You may ask for copies of the documents we used in our invest~gaUon Important information about your Sovereign Debit Card The networks through which some of your Sovereign Debit Card purchases are processed have begun allowing merchants to process your purchases without either a signature or a PIN. If you are not required to enter your PIN when you make a purchase, your purchase may be processed either through the Visa network or through the STAR or NYCE networks. If your purchase is processed through STAR or NYCE, different terms apply and you will not be eligible for the rights and protections available through Visa. Please see your Personal Deposit Account Agreement for more information 4•- a ` 'xrl ~ ~ 5829 ~ o-twan~~n N ~~~~' Q a4~ ~ ~. t~ ~+ ~ ov ~ ~~ t~ ~ , ca - • , 0 ® ~~~~ ~ ~~:29{37~fi9i+~ Q42L705I:6Z'34t9 tptlt~0di000f 921705662 # 3929 02/17/10 $16.00 L1 ~~q 3931 qa M ill(M Cfl 4RAMi QOl11K t9q~ma Ooh a~~ ..~'~"' ~' mac. /,,~ 3~ f q mkMi Pit ~::-,,, -K23i342C4'~: -- 49ti7bs662r3931--~ ou4Q S3PF-' 921705662 # 3931 02/16/10 $15.32 •aeEnrYwnn ..,~. ,, 3933 w~ii voiiNa - -' ,,,~„a - +1~ M p+pAa~. - 8 - ~f1yK.1~A/N,111CO6~fY - ~ eounw~ I~ ~C231392t's91ti "-0921.?QSt;S2~3~i33 921705662 # 3933 02/22/10 $3.58 .. _ ~ . ~ ror~ , . . ~ 3930 - n-ro.oww ~ i~ ~ ~ 13a1aY ~ Z3137 ti;4 i+: 09t 1tt2566 ~ 3930 921705662 # 3930 02/19/10 $5.05 RoaExr Mow.G 3 932 Nrsa ~rouNS t9~ N YMt~Adl. fMOU~ k 1712biSL or.~~ 0 i1!0~ / t [~ ~~ ~:2 3 33 7 269 1dG 092E?$56'62'3932 yL 1 / U5bb1 iF :iy:iL Ull11/1 U ~L4.1;i - d~ 3935 ` X81 N blad p- ~ ~~~ BnQA M l7~.~ ~ ;~ ~` ` ~J ~MnA1~-:~1Q ~1p::` ~S~t `IOuY1A i S IoO.co 3 :~.~..D~+4~CFLk ~fLrS l/Z~ ~--~~a~~Ma ~ i~'_ ~: 23 t.37 269 i~: 0921?0556 2r;9 3 5 921705662 # 3935 02/18/10 $100.00 page 3 of 4 921705662 Santander Strong-- Sovereign is part of Santander, "Global Bank of the Year."* Statement Period 03/10/10 TO 04!11110 SOVEREIGN INTEREST CHECKING ~ooooo-o ROBERT L YOUNG AND HAZEL M YOUNG LIVING TR HAZEL M YOUNG TRUSTEE ROBERT L YOUNG TRUSTEE 124 N ENOLA DR ENOLA PA 17025-2520 For your convenience our Customer Contact Center is available from T am - 8 pm EST, 7 days a week. Cal/ us at 1-877-SOV-BANK (1-877-768-2265). Hearing impaired may cal! 1-800-428-9121 (TTY/TDD). www. sovereignbank. com KNOW THAT 1rr~lUR CHE~K~N~ A~C~l~1'~T f5 pRC7TECTED. Get the conf'uience that comes from lcncuving that T1our checks, debits and payments wilt be ccnaered if you cn~endraw y+vur aaourrt. When Y'~ attach ar- Overdraft tsne of Credit t4 yow Sovereign decking accocsnt, fUruisai~ a~rlae~r,aticaltytransferred fromyour line ro your Chetkirr~ acoourBt to comer the arr~ur~t that is o+~ercirav~n. Funds are transferred up to the amos.rnt of the available credit limit on your 6ne, Tt~ (eam more about this great way to protect your account, call the number at the trop orf this stafie~ment or visit your !local tx~ch. 0000 70090 9ooo~a337 a~ *~~~sr`~ yw.-~~. si-#+~'a r-„~;. r.~.s r . : ~,P +i ~+k~a. '.mss rC. `t% y r~ : I ~ IiT 'i~c~ $cE s ~ h- .4~-$eo-l'i. cap a <,c -<.t :~~ a ~ r ~~+cnn~ ~,stcft i A ~ @ t ?~ t A 4 Y r A .b ~.~.( f t ~"~ E r 'Y ~~ ~..+r n ~; 1`b .. fi ~" r #~. ~ ~j ~"hf ~ Yi _'s.iY~ ~ .. .:.`qEi._. Defend }~at~rself against identity theft with Sovereign IOentityProtectar~"{ This pciw+erful suite of services and befits helps ycw detect. prevent, interrcepi and resolve identity theft issues and gives you the peace of mind of knowing you have the protection you need. Ta find o~rt more, visit sovere3gnbank.coml'rdentrtyprotector or ca111-$~-999-Obi. tr~~ INTERNAT~~~AI. WIRE TRAf~SFERS~ Sind & R~t~ive...ar~d 5~v~_ Soti,~er~eign makes sending and rece+ving rxx~ey abroad #aster and rr~are conve~nient_ We make it simple, and you'll Stay c~onnecDed. Bene#it fnxn siertdirSg and recei~ir-g wires in the fare currency exci~angeci in the cnurnry where the wire originates or is received_ An ottbgtsiruq wire in foreign currency oasts ~t $31 compared to 340 in U.S, currency. Arid an ir~om~g wire in ft}reign currency has IJo F~e~e-t~arnpare+d to a 3~S fee in U.S. aurrgncy. Call the rrr~mber at tFre tc~p of this staterr~t or 9o to styvereignbanl<.tornlrrtgve-inoney.tfl tnd out more. Y ttt rtfove yarn ma~ey?'I~t your Inca! branch and Isom hour yar Carr save mare. page 1 of 4 ~~'~'~~ ~. ~:~ :, ~: Swerei~ Bank's a Member FDIC and a who0y owned subsidiary of Banco Santander. S.A ~ Sovereign and its logo and Sar>mn0er and its krgo are registered tradarnarla of Sovereign Bank and SantarWer, respectiveFj, or Heir aff~fates or subsidiaries in the United State and other .,~ countries. 'Accordvig to TAe Banker, December. 20(19. 921705662 ROBERT L YOUNG AND HAZEL M YOUNG LIVING TR HAZEL M YOUNG TRUSTEE ROBERT L YOUNG TRUSTEE Account # 921705662 Balances -.. ,:. - Beginrnng Balance $4,734.7Fi Current Balance - ~ - $4;430.43 Deposits/Credits + $1,715.12 Average Daily Balance $3,966.31 ;.. . Wthdrawals/Detiits : _= $2,Oig.4:<~ ., _ Interest . - Paid~this Period ; ~ $ 0.04 Annual:Per~entage Yield Eamed 0.01°~ Eamed this Period $ 0.04 Paid Last Year $0.70 PaidYear-To-Dale ~ - _ -,;:$.021 ~. -:_ - ~ _ 'The interest earned and the interest paid may differ depending on when interest is credited to your account. Service Fees -Itemized Date # Transactions Fee Total MONTHLY MAINTENANCE F>=E 04/09/10 1 10:00 x,10.00 FEES WAIVED 04/09!10 1 -10.00 - $10.00 Total $0.00 Checks Posted Check f1 Date Paid Amount Reference 3941 03115 $79.31. 614940720 3942 03/12 $59.64 993564860 3943 03/12 $240'.39 ~ ~" .629122220:_ 3944 03/12 $32.45 993291895 =:3945 ~ '03/12 ~ ~ ~ ~.-" $53.55 ' _~" ~ ...613703880'° 3946 03/11 $4.13 993024880 3947 ~ 03/15 ~ ~ -, $50? 61:4807350:: Check tf Date Paid Amount Reference E3948 03/12 X290.75 GM CARD 2 =3949 03115 $25.35 " "- , 983842885 3950 03/23 $8.00 998403725 _3951 03f25" - :~ ' ~ " $7:94 ~ ' 970399330" E3952 04/05 $169.00 PATRIOT NE •3953. 04/05 $125.12 631656370;- 3954 04/05 $396.66 631940920 14 Check(s) Posted = 5'1,497.36 An asterisk (') indicates a skip in sequential check numbers. An (E) indicates check was converted to an electronic item. Account Activity Date Description Additions Subtractions Balance 03-10 Beginning Balance $4,734.76 _. _. , 03-10 PAWL PRYMENT`=100309`t3645673 ~ - _ $45.31 $x4,689:45= 03-11 CHECK 3946 ~,o o ~~rc ~_ $4.13 $4,685.32 03-t2 GM' CARD 2 CHECKPAYMT-1'Q0312 394 $290.75 - $4,394:57 03-12 CHECK 3943 ~n.1Q t t~, ~ f1 $240.39 $4,154.18 03-12 ' PPL EU ELEC" S1lC 791407500#WS - - - . _. _. -` $60.14 ~" ; $4,094`"Q4.'' 03-12 CHECK 3942 ~ me oL $59.64 $4,034.40 03-12 CHECK . 3945 1:1t ~e. ' r, d ~ S ' $53:55 _ , $3,980:85;' 03-12 CHECK 3944 55 o p S $32.45 $3,948.40 03-15 MELLONHRIS BENEFITCOV 031510 $365..85 $3,582:55_; `" 867561357 .. ._ - _ _. 03-i5 CHECK 3941 , ` ,.,~ e~ ~ $79.31 $3,503.24 03-5 CHECK 3949 ~, ~ ~ / - _ $25.35 $3,477,89'.: 03-15 CHECK 3947 ~ n•tq~, ~ _~ ~ $5.07 $3,472.82 03-23 CHECK 3950 `~ -+-`7- ~ -:$8:00 $3,464:-82-,- __ 03-25 CHECK 3951 ~' ~~ ~ ~ncS ~4~~C $7.94 $3,456.88 03-31 DEPOSIT _ $361.08- ~3r8~179fi. 04-02 US TREASURY 303 SOC SEC 040210 $1,354.00 $5,171.96 A SSA page 2 of 4 921705662 Account Activity (Cont. for Acct# 921705662) Date Description Additions Subtractions Balance 04-05 'CHECK 3954 jV 1,~~uit~.z i Cf ie.. ._.l..its $396.61;;. _ $4,773.30 04-05 PATRIOT NEWS CHECK PYMT 040410 $169.00 $4,606.30 3952 04-05 CHECK 3953 , ` -rtnr.c ~. t`c.. OSt~-- '$125.12 $4,481.18`... 04-05 HARP HEALTH CARE PREMIUM 0229627771 $34.00 $4,447.18 04-08 PAWL PAYMENT 1::00407 F1645673 , `_ T - - ~-f--. $16.79 $4;430:39 04-09 INTEREST CREDIT $0.04 $4,430.43 04-11 Ending Balance $4,430.43 IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMER SERVICE CENTER AT THE NUMBER SHOWN ON THE TOP OF YOUR STATEMENT OR WRITE TO THE BANK FOR DEBIT CARD ISSUES: Sovereign Bank Attn: Debit Card Services MAl MB 301-06 P.O. BOX 841003 Boston, MA 02284-1003 FOR ALL OTHER ISSUES: Soverei~ Bank Attn: Client Relations 10-421-CRI P.O. BOX 12646 READING, PA 19612-2646 Please contact us if you think your statement or receipt is wrong or if you need additional information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error appeazed_ ~ Tell us your name and account number. ~ Describe the error or the transfer that you are unsure about and explain as clearly as you can why ~ Tell us the dollar amount of the suspected error. you believe there is an error or why you need further information If you tell us orally, we may require you to send your complaint or question in writing within 10 business days. We will promptly investigate the matter and call or write to you with an answer within 10 business days (10 calendar dayys in Massachusetts). If we need more time, we may take up to 45 days to investigate your complaint or question If we do, we will credit your account wrthin this 10-day period for the amount you think is in error, so you wrll have the use of the money during the time it takes us to complete our investigation If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may choose not to credit your account For errors involvingg new accounts, point of sale pti<chases or foreign transactions, we may take up to 90 days to investigate your complaint or question For new accounts, we may take up to 20 business days to credrt your account for the amount you think is in error. We will tell you the results of our investigation within 3 business days after completing our investigation. If we decide there was no error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation. Important information about yonr Sovereign Debit Card The networks through which some of your Sovereign Debit Card purchases are processed have begun allowing merchants to process your purchases without either a signature or a PIN. 1f you are no[ required to enter your PIN when you make a purchase, your ppurchase may be processed either through the Visa network or through the STAR or NYCE networks. If your purchase is processed through STAR or NYCE, different terms apply and you will not be eligible for the rights and protections available through Visa. Please see your Personal Deposit Account Agreement for more information. 5 b u ~ r~swn,(~ 39d1 ` wraer~+oa ~.,~1~ / b~tx,t r+ ,aasas ~ ~p 1 :.ate t~td+wrtf ~+c .a ~,rc. S 'j9.8~ u, ~~ M.t3i~691~~OQtL?DS6~~~~~~jj~~~--- ~ .r~ooooo ~qt ~t 921705662 # 3941 03/15/10 $79.31 u y~ ~ 38+13 WMmA~ ~ F6A IM DOii ~~ 4 f' s 1 ~ - ; ~7v.??. ~~ n ~ C~ u --K2313tA[:q~-Lt'92k7b5662t)9L~ Q r,.. 921705662 # 3943 03/12/10 $240.39 page 3 of 4 ~. r~M3lt.tnGA ~ 3942 ,~ Ji S+~erelgn BaaY Kt3i192~G4i~ 09217D5S62ri44t __.. 921705662 # 3942 03/12/10 $59.64 ~Rr,~ouno ..~. 994• n-ia route ,r„~ w ~ o.o.a d~ e~a~ r. rrcmrP~p - ,.,~ $~ /~ ~+ ~ ~ ~- ~:23t372691~C d9ti7t]SGGasr39k4 -~ - 921705662 # 3944 03/12/10 $32.45 921.705662 ~~ Statement Period 03/10/10 TO 04/11!10 1 "01.~ 3'9db v ~..M ~~. w.,~ ra «~'" ~s~ '~ ~;2b13T2C4iK D~?t7~565Jrg44S ~DQ® 335r 921705662 # 3945 03/12/10 $53.55 n~ 39ST ~' CAI d1a~f14 ~w ~~ ,~+~. c{if !b +~ ~ ~ d! ~- ~ oDU+un ~ a ~~ ~' prwe.e~.ee. n~ y~ Z~S4~/ ~,t.,{ '~ KZ3i372641~ D42i?p5Ct2r3949 921705662 # 3947 03/15/10 $5.07 na~arrraaa~ ~0 3950 rum r~a~.a ,,r~„4 ,r•r~xsca nw+o Rs /~ 3 D a -T-. ~~srvr ~23Y37269i~0 {392Y7D5662~'395U 921705662 # 3950 03/23/10 $8.00 w~ustxotix~ 3959 ~ 'OCIAp~~rif-~ i - _ ~ ~ ww~~..s~aRix ~~4,.5.96 i s'~1,j _ ~717t~ DW11~ *-uK~#i3726{i4~ O'~i~l-9CSSS6~39~3v ~ ~ ~~ ~, 921705662 r # 3953 04/05/10 $125.12 aoesrvxwnb ~rA~+. 39a6 aa~a~ mraso ~r~~ .~ „~ ~ r~ ~Sar~ere~ Bann ~.23i392C4t-: D92i?Q 566tr39~6 J 921705662 # 3946 03!11 /10 $4.13 _ 3$~9 CeL N E1161A d- mx ~ r~ic~ rs,v~ ~ ~/~ 3 f`J '3S ~SC~w s.'a',.• pp DO~II~Di lD F =~ Brn~e6~n BanY +:33i3'4t69tC 09~i 705CG2•+'34~9 tG000002S35P 921705662 # 3949 03/15/10 $25.35 ~ - ~ , :: ::_3951 _~ ts+ N cwaw Da -fit .~-P4.\PA ~~y;++. Wr"~t~ Ali ~ . ~ -+~~ - . - , ~y^~-~~y/~~~~f.. ~K ~-~ f ~ ~jj 3 , ^ '~ - ~~ ' "- ~'" _ __eas~r 1S io~~'elga ' BaaY 9 - ~ ,~~:23i37P69i~: 492i7O5662r'~95-'~ 921705662 # 3951 03/25/10 $7.94 ~ ~ 395A +~Ys r o~a~ oic GiOf~~ fx new _ n . t~ wei '_~ B~ Mt3i37ZSgL~: O4ZL?pSCRSi 1D Qp0396GGt 921705662 # 3954 04/05/10 $396.66 page4 of4 921705662 Santander Strong--- Sovereign is part of Santander, "Global Bank of the Year."* ~j 2t~ ~ooooo -o ROBERT L YOUNG AND HAZEL M YOUNG LIVING TR HAZEL M YOUNG TRUSTEE ROBERT L YOUNG TRUSTEE 124 N ENOLA DR ENOLA PA 17025-2520 Statement Period 04/12/10 TO 05109/10 SOVEREIGN INTEREST CHECKING For your convenience our Customer Contact Center is available from 7 am - 8 pm EST, 7 days a week. Call us at 1-877-SOV-SANK (1-877-758-2265). Hearing impaired may call 1-800-428-9121 (TTY/TDD). www. sovereignbank. com 0000 70090 900012337 As of June 1 ~, 241 ~, the fee applied when an overdraft transfer is made from an 4Verdraft Line of Credit or Savings account varill be changing to ~ 12 for each transfer. TQ learn rr~n?, call the number at the top of this statement. ~~ ^ Use your Sc~reiglti Debit card f+ar everyday purchases and earn 1 % t~ 249 in cash R€w-airc#s" ^ lt`s the easiest, safest, and mQSt rewarding way to paY for your pul~hases. ^ Plus, yav"ri? pr©t~tted by Visas Zero Liabilirty E'ol+cy v~r{~en you sign -for your purchases.'' tfsit saverei~r~}~nk.r~mlrr~wards ar call ~e nunit~ at-the tdp of this statement 'beh rcneds an rimed m N+-irazrs made d Wrtlc~+ih4 a~Aaa e~ss-bgs~ f'te3ow+~`p iazh Fk~.~?ra{w «~+~irt n h-au•c uk FMl#i ~ rade~d sd Sceai e~~~ ~+~t~e ~ak'i ~a+5wr~n Cebif t'i~d. lm+la~ imraBikeoedlikjai~y retalr~ eFUS es tht 1wletign fiui~ ~m ~ ~. ~~K a!ti lai art ~f~wi b uva~ 'CnwertN3.ssjab cymartf'Arara;r~a W ii2y pxry 3~ K+ s",flf a CY»'mif:Sai Crecti G~ ATSe vtrsaAL~tl a h flN iursarS~r not prrcndta k~yKsr [ratdul6~r ,.~ ~r ~. rm~rNi d ,.rt L. ~ ea,..w«, ~,n ,~...~.[..t ti~x4' 4. ~ - ~- . ,..,u. f'~c.d 6.m:t.4 .st R,......t 1DC6tPOF r ~__ _ ~~TTER_ BAE~_ s ~ . i~~ ,~ ~~~~ ~~~~ ~~~~~ ~~ ~r~~ Our ft~d,ac'k~ F#ome Equity Line of Credit gives you bo#h a g3rea# way bD borrow ar>'d a great rate. Wt~ther you're making home irr~rov'emerits„ finanong a nor Ixarchase o~ lot~lctng to cansolydate debt, ruxw is the tune to take advantage of this great lanited-tip offer! With at.tton,atic paynbent from a t~+aifYing Svverei~gn acoount, You can ges a great fexecf introductory raie_ ice, Your interest may be tan dedutti6fe* and vue offer aptid-ra) t_oan ~ro'tettion agairtsi labs of life, di~bility and inv~urltary urrerrbplfaYrraent'~* Call the raumh~r ai the bop of this page or visit 3overeigr>t6~antc.oortslh~loc iar mare inforrnation_ ~~Re~edstntrJSt..ra.r.r„n~~'sxac+~te'J~ntaw.+iU+..nnB'~ca ir.t~~Unwa 9u+rsen alts e~scw~,'C~ap-.xe•,ra.. 5. s~.rc ••~l~;eatty 3rr•^+r*.t.,arms..-sma..+M .r~~ere. rxoq J..-fr deear),. iotS~tYE74l ] SoverNgn Bank K a Member FDIC and a vMo~/ ovrncd wt~ary of Banco Santaroer, S.A ~ Sovereign and Yts bgo and Santander and rts page 1 Of ' ~ bgo are registered trademarla of Sovereign Bank and Santander, respectively, or their affiliates or suhsidrariea in the United States and other 921705662 ,,.,, cauntnes. •,4ccordirp to me Banker, December, 2009. ~~ ROBERT L YOUNG AND HAZEL M YOUNG LIVING TR HAZEL M YOUNG TRUSTEE ROBERT L YOUNG TRUSTEE Accoun[ # 921705662 Balances Begiri~ing Balance `= $4,430=;43 Gurrent:Bala~ce - - $5;flt'0.30 - - Deposits/Credits + $2,097.48 Average Daiy Balance $3,661.83 VIlthdrawa(s/Debits - $1,5t7.ii1 . Interest Paid this Period ' _ $ 0:03 Annual Percentage Yield Eamed 0:01 Eamed this Period $ 0.03 Paid Last Year $0.70 Paid Year-To-0ate ~ i $"0,24 - - - "The interest earned and the interest paid may differ depending on when interest is credited to your account. Service Fees -Itemized .Date # Transactions Fee Total MONTHLY MAIPtT€NANCE FEE 05/07/t0 1 10 QO $10 00 FEES WAIVED 05/07/10 1 -10 00 - $10 00 Total $o.oo Checks Posted Check # Date Paid Amount Reference 3953 04/12 $26.27 978089515' E3956 04/12 $611 04 GM CARD 2 3957 04/12, ' $5 15 :` 97$t95250 3958 04/12 $26.66 625177350 Check # Date Paid Amount Reference 3959 04f19 $68:50 981002680 3960 04/26 $3.10 984632315 E3961 _ _04126 ': = L $2$450 ~ PATRIOT~NE 3962 04/30 $36.00 633203450 8 Check(s) Posted = $1,061.22 An asterisk (') indicates a skip in sequential check numbers. Account Activity Date Description An (E) indicates check was converted to an electronic item. Additions Subtractions Balance 04-12 04-12 Beginning Balance GM CAi2~D 2 CHEGKPAYNiT fi00412 3956` $8t104 $4,430.43 $3;8193' 04-12 PPL EtJ ELEC SVC 7914075001 WS $56.54 $3,762.85 04-t2; :,CHECK ` 3938 . , - `e,q _, $26:66 $3 736;1;9,: 04-12 CHECK 3955 ->r.ern~s O ~ $2627 $3,709.92 04-t2; CHECK .. ,- 3957=. - ;;.k.. e _. ~ :_- ,. _ : ..$5:'15 $3,,704.77. 04-15 MELLONHRIS BENEFITCOV 041510 867561351 $365.85 $3,338.92 04-1;9, ` Ct-FE~K 3959 ctg :. cr~l& t-o ~ ~+.3+L'5~~ #~ : _..: $68 `50 _ .. ; $3.Z~U 42' 04-26 PATRIOT NEWS CHECK PYMT 042310 3961 $284.50 $2 985.92 04-26 CHECK 3960- . nGS,.c~ _ S3i0 52.982:$2 04-30 CHECK 3962 -~-~Rw~g~ O ~4 $36.00 $2 94682 05-03 US TREASURY 303 SOG SEC 050310 - A-SSA ~`''- ~ _ .. - $1,354.00 _ $4;300.ff2 05-04 DEPOSIT $382.37 $4,683.19 :05-04 D"EP:OSIT $361.08 $5,044.27 ._ 05-05 05-07 AARP HEALTH CARE PREMIUM 0229627771 - ---- - INTEREST CRf=QIT .-.. X0.03. " _ $34.00 :: $5,010.27 - $5;010:3:0',' 05-09 Ending Balance $5,010.30 page 2 of 3 921705662 IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMER SERVICE CENTER AT THE NUMBER SHOWN ON THE TOP OF YOUR STATEMEN'T' OR WRITE TO THE BANK FOR DEBIT CARD ISSUES: Sovereign Bank At>n: Debit Card Services MAI MB 301-06 P.O. BOX 841003 Boston, MA 02284-1003 FOR ALL OTHER ISSUES: Sovereign Bank Attn: Client Relations 10-421-CRl P.O. BOX 12646 READING, PA 196]2-2646 Please contact us if you think your statement or receipt is wrong or if you need additional information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error appeared. • Tell us your name and account number. • Describe the error or the transfer that you are unsure about and explain as clearly as you can why • Tell us the dollar amount of the suspected error. you believe there is an error or why you need further information. If you tell us orally, we may require you to send your complaint or question in writing within 10 business days~ We will promptly investigate the matter and call or write to you with an answer within 10 business days (l0 calendar dayys in Massachusetts)- If we need more time, we may take up to 45 davs to investigate your complaint or question. If we do, we will credit your account within this 10-day period for the amount you think is in error, so you will have the use of the money during the time ~t takes us to complete our investigation If we ask you to put your complarni or question m venting and we do not receive it within 10 business days, we may choose not to credit your account. For errors involvingg new accounts, point of sale purchases or foreign transactions, we may take up to 90 days to investigate your complaint or question For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results of our investigation within 3 business days after completing our investigation. If we decide there was no error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation. Important information about your Sovereign Debit Card The networks through which some of your Sovereign Debit Card purchases are processed have begun allowing merchants to process your purchases without either a signature or a PIN. If you are not required to enter your PIN when you make a purchase, your purchase may be processed either through the Visa network or through the STAR or NYCE networks. If your purchase is processed through STAR or NYCE, different temu apply and you will not be eligible for the rights and protections available through Visa. Please see your Personal Deposit Account Agreement for more information. _ -> ~ ~-.,.~s.. 3965 sa. n crag D~ ~°`°~° j~t'ts ~:23i37269iK 1]9ti705662r#45 921705662 # 3955 04/12/10 $26.27 l~a~s ms x E++?,A DR ~a~,. n. ~rtss~ ~D..~` .- .~. ---- 1:23t372691~ (342i70S6Ga~395~~00036rs61 . 921705662 # 3958 04/12/10 $26.66 woacwt rates nu~~ roue~t .r9~,o 3960 tF1 M C40LA OA wr~sav rr.ss M._~Air.Q.StinZ __.~l ~ .? tiQ 'y,,;~_•. '~A;~.~.ns~ ~ Ate. __ DDSUws 8 ~~':° ~D'VCiet~l 1~ ~:~3i3725Ris: O92i7[15f~6zM396 921705662 # 3960 04/26/10 $3.10 page 3 of 3 IIO~AT YOUNG rarxs $ $ $ 7 ItAZEI YOUNG ~,py fY~ M i1gl~ Dp tn~. ~ EsID1J4 M /7~T}Yj]U Y1C~ Ci,~ ~O~ec~ w ~+1SAPY PM1 N't~.A. ~ sv9 C.*~G Q ~C.CC- ~ ~s S. ~ S ~tw,~ d.,-~w /`cam -- _ oousus f~ `_e •.• Sot~errigtt Bank Kt3i372641: o92i?05662'3957 1 D~cS000515i 921705662 # 3957 04/12/10 $5.15 =, iro . = tle~M'iYOM011- '' a,~ 3959 ' --. cs,Clh iM~ s~acap _ ~!3 .. _...-•..-- -- .-.._.__ __ -rwLs [1 ` J ~,~~ _ OOS+~q ki ~ ~~ . ~- ~` ` ~ -t~`i;~asgi-: a92i7as&sa~a~sa 921705662 # 3959 04/19/10 $68.50 as~z ~n+. c,n~. as 61~P'AM ~ ~ ~K% 9 hl~~~"T.1`Zn.JC'waviuk~i ril_1:±~~_+~~c,~.~ ~ ~ ~Jl'-C; ~Si3t37269is: p4a~-'~5 6~T393C~~DOQ~Q350CIf 921705662 # 3962 04/30!10 $36.00 921705662 ~~ Santander Strang-- Sovereign is part of Santander, ''Global Bank of the Year."* Statement Period 05H0l10 TO 06/09/10 SOVEREIGN INTEREST CHECKING For your convenience our Customer Contact Center ~.~/ is available from 7 am - 8 pm EST, 7 days a week. Call us at 1-877~OV--BANK (1-877-768-2265). ~mooo -o Hearing impaired may call 1-800-428-9121 (TTY/TDD). ROBERT L YOUNG AND HAZEL M www.sovereignbankcom YOUNG LIV{NG TR HAZEL M YOUNG TRUSTEE 0 0 0 0 ROBERT L YOUNG TRUSTEE ~ 0 09 0 124 N ENOLA DR ENOLA PA 17025-2520 9000/233 We #cnow you don't. need the hassle and potential embarrassment of having a debit card ~ttrchase err ATM withdrawal denied due to insufficient funds. New federaE regulatirpns take effect Augtgt i 5, X010, that require us t~ have your permission to pay these cnr~errlrafts on your arccaunt and charge fees. Enroll in Sovereign Account Prote~r tnda~y, if you v~auld tike us to continue to pay overdrafts, and potentiai{y charge a fee, on .ATi4! and one-tires debit c~ir~ tran3actic~s. in order for us ~ oo~ntinue to pdtentia~ly pay ti~ese overdra€ts, you must enroll in Sovereign Account Protector For mcxe information, see the notice in yQUr March statement, ca111-877-768-4721 or visit a So~relgn Bran. _... 19i76DRN ~` Protect your valuables and important dcscuments and get the peace of mind . that comes from knowirl~ they are in a safe place. Get the enhanced secv.rity '= Qf a Sc~reregn safe deposit bvx. Keep your important documents sure! Ask about special discounted safe depasrt box rates at your nearest brartch_ 100ti5tOP ROBERT L YOUNG AND HAZEL M YOUNG L1VlNG TR HAZEL M YOUNG TRUSTEE ROBERT L YOUNG TRUSTEE Account # 921705662 Balances .Beginning Balance $5,0'IQ3U Current Balance ' $5;280.53 __. Deposits/Credits + $1 715 12 Average Dairy Balance $4 396 79 Withdrawals/Debits - ~1,444:.t39 Sovereign Bank is a Member FDIC and a wholly owned subeidiary of Banco Santander, S.A ~ Sovereign and its bgo and Santander and i0c page 1 of 3 - bgo are registered trademarln of sovereign Bank and Santander, respecDvely, or their atTiiates or subsidiaries in the UnRea States and other 921705662 ,.,,,, countriee. 'According to The Banker, December, 2608. ~' L Interest `Paid this Period' $ 0..04 Annual Percentage Yield Earned - 0:04 0; " Earned this Period ~ 0.04 Paid Last Year $0.70 Paid Year To=Date _ $ 0.28: :: ~ -: - _- - "The interest earned and the interest paid may differ depending on when interest is credited to your account. Service Fees -Itemized Date # Transactions Fee Total MONTHLY MAINTENANCE FEE - 06/09/10 4 10 00 $10.00 i FEES WAIVED 06/09/10 1 -10.00 - $10.00 Total $OAO Checks Posted Check if Date Paid Amount Reference 3963 05119~~ ~ $2.23 ~ ~ 728187340 3964 05/20 $17.52 632294410 E3965 ^ ' 05120 $876.29 GM CARD 2 3966 05/19 $7.32 995912030 7 Check(s) Posted = $952.61 An asterisk (') indicates a skip in sequential check numbers. Account Activity Date Description Check # Date Paid Amount Reference 3967 !05125 ~ ' ~ ~9~80 63`35195911 `- 3968 05/20 $3.81 9967201 'f 0 3969 ' ' 05!21 $35:64 - 997256090 An (E) indicates check was converted to an electronic item. Additions Subtractions Balance 05-10 05-111 Beginning Balance ,. PAWC PAYMENTj005i0,064'S673 $3t_90 $5 010.30 $4,978.44 05-12 PPL EU ELEC SVC 7914075001WS $28.63 $4,949.77 03-17- MELLQNHRIS f3ENEFiTCOV 051710, , - - 867561351 _ ~ ~ ~ ~ - - ,~ - ~ . $365.H5 « _ $4 583 93;` - ~~;` 05-19 p re.,. ~Qg CHECK 3966 ~ $7.32 $4,576 60 05-19 -- CHECK `:` ~ 3963' ~ ~+~'~~oik t CE1. ~b~V ~:: ~ ,~ . ~. $223 r - ~,$4 57,4; 3'7~F 05-20 05-20 GM CARD 2 CHECKPAYMT 100 0 3965 CHECK 3964' U~cS~' ~.` :` S $876.29 $47.52 $3,698.08 - ~ Y;$3>680 5fi. 05-20 CHECK 3968 sSOC~ct `v O ~ S $3.81 $3,676.75 05-21,._ CHECK .3969 ~} ~ ~> ~ - , $35.64 _ ;_. ;;$3,641,;1=1 05-25 CHECK 3967 ~p,~.~ ~~~ \\~~ $9.80 $3,631.31 06-03 US TREASURY 303 SOC SE 060310 '." ~:. __ A SSA $1;354.00 ~ $4t985.3t ,_ 06-04 DEPOSIT $361.08 5 346.39 06-OZ AARP HEALTH DARE-PREMIUM 0229627771 $34.00. $ 5,312:39 06-08 PAWL PAYMENT 100607 0645673 $31.90 $5 280.49 08-09 tNTERESTCRECIT $0.09 ' $5.28t?:53-` 06-09 Ending Balance $5,280.53 page 2 of 3 921705662 IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMER SERVICE CENTER AT THE NUMBER SHOWN ON THE TOP OF YOUR STATEMENT OR WRITE TO THE BANK FOR DEBIT CARD ISSUES: Sovereign Bank Attn: Debit Card Services MA1 MB 301-06 P.O. BOX 841003 Boston, MA 02284-I 003 FOR ALL OTHER ISSUES: Sovereign Bank Attn: Client Relations ] 0-421-CR1 P.O. BOX 12646 READING, PA 19612-2646 Please contact us if you think your statement or receipt is wrong or if you need additional information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on w}uch the error appeared. • Tell us yow name and account number. • Describe the error or the transfer that you are unsure about and explain as clearly as you can why • Tell us the dollar amount of the suspected error. you believe there is an error or why you need further information. If you tell us orally, we may require you to send your complaint or question in writing within 10 business days. We will promptly investigate the matter and call or write to you with an answer within 10 business days (]0 calendar dayys in Massachusetts). If we need more time, we may take up to 45 days to investigate your complaint or question. If we do, we will credit your account within this 10-day period for the amount you think is in error, so you will have the use of the money during the hme it takes us to complete our investigation. If we ask you to put your complaint or question rn venting and we do not receive it within 10 business days, we may choose not to credit your account. For errors involvingg new accounts, point of sale purchases or foreign transactions, we may take up to 90 days to investigate your complaint or question" For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results of our investigation within 3 business days after completing our investigation. If we decide there was no error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation" Important information about your Sovereign Debit Card The networks through which some of your Sovereign Debit Card purchases are processed have begun allowing merchants to process your purchases without either a signatwe or a PIN. If you are not required to enter your PIN when you make a purchase, your purchase may be processed either through the Visa network or through the STAR or NYCE networks. If your purchase is processed through STAR or NYCE, different terms apply and you will not be eligible for the rights and protections available through Visa. Please see your Personal Deposit Account Agreement for more information. arortou-+a ~ 3963 w n ciao a- &AtA !R ITaS~ `moans 1 rw }Yl ~ ~ s a~ 1 - +a.ua. 4 _.__ OV~Ct'C1~II 13anlt ' ~Ct9t34t69t~: D92i70566~3963 IpOt)i1QDD~231 921705662 # 3963 05/19/10 $2.23 de,e. 3968 ~~ e~an ~. aor«a. ,.,,y~fl ~g ~ _. ----V--' s~.~ vyl9ala.~ g A.l~ i!,~__..._~„_ _,.~.~..-. LOtlN1~ W ._ BtmY - K~3i3?2691~t O'q'~i4D5Bi~ri9GG 921705662 # 3966 05/19/10 $7.32 N ~~ 3868 17!~ M Gllpp Da ~"~ ~? ~t3i3?269i~C X42-'7t156G2-'346.i6 ' ~6- 921705662 # 3968 05/20/10 $3.81 page 3 of 3 "O°~ Yov~a n 3 864 ~uas mur+o . 1A L r>rfll~ O! , iMfd bZ-SE~.~ `a~1~4 15uf. r~ ~ ~ "~" r23i3?264LK lTR#t?[75662d396§ _~DD01~~i2~.~I 921705662 # 3964 05/20/10 r $17.52 jj ~, ~ 398T ~.d~~ aw .~:t4i37d69_M: y- . - t14dt7O5662~'3467 0[7tlbtlflfD~eD! 921705662 # 3967 05/25/10 $9.80 °O~~ YO`~ a+,rw 3869 MAZEl1fOUa46 ~p,,,~ iN N EUQA OIL iNQA -A f7~iSa ~,~~`~~~ j ~?~VJ~}n7`~1f. QA~177./~,p ~~~~~ .YO11.~11! 1:i ~'•+~ $nt\*PSCUIgri $artlt K23t3?269i~: D9217DSS62~3969 ~ODOOQ0356tit 921705662 # 3969 05/21 /10 $35.64 921745662 rJ~ .~. ~~,~li~ ~~t~ t`om' °l~#t~-t~ Santander Strong--- Sovereign is part of Santander, "Global Bank of the Year."' ~ ~~ ~ooooo-o ROBERT L YOUNG AND HAZEL M YOUNG LIVING TR HAZEL M YOUNG TRUSTEE ROBERT L YOUNG TRUSTEE 124 N ENOLA DR ENOLA PA 17025-2520 Statement Period 06/10!10 TO 07/11/10 SOVEREIGN INTEREST CHECKING For your convenience our Customer Contact Center is available from 7 am - 8 pm EST, 7 days a week. Cal! us at 1-877-SO V-BANK (1-877-768-2265). Hearing impaired may call 1-800-428-9121 (TTY/TDD}. www_ sovereign6ank. com 0000 7009 0 900012337 W'e are making a change to the way we process withdrawals that ~u make from poor aecQUnt EfFective July 1, 2010, we will group together all ATl1+f tramactions and point-of-safe purchases that you rr-~1ce vr~ith your ATM tx Dent Card and day this group of transactions ~ the group that corxtains other payment ciders, such, as checks anal electrcnie payments. We v~rill continue, hoverer, to generally past all transactions within a group made on the sarTae business day in high to low order, vvhach means the $1 DO ATNI witt~dr~wal you make vviil be posted before the $2.25 cup of coffee you pureha3e, even if your purchase was made before you withdrew t:he furacls at the ATM.1+'Ve corgtjnue to reserve the righrt to !group withdrawal transactions in any manner we choose, and to post each group of ~trar>sactions in arry order vvr= dete~rrnine. For iti~a~e inft~'trtiati~n„ call the i~umbe~ at the tiop of this stat~nenrt. :67fAiP6 1n reviewing o~lr records we noticed the format of your name and/or address may not meet the bank and USPS standards. Uver the next feWV months you may notice a slight change to your address. If the title on your account Baas an initial rather than your full first name; you may notice your full name will be spelled dut going forward. sou:r~at lfFec#ive luty t, 241 Q, the name of our O+f~xdraft Line of C refit will be the Sovereign Easy A,cce~z tine of tnedit. If yvu already h 4~~, yi7U vvlE rE4t St's any pthE~ Chance to your dCCOurrt- me Si~sr~r~ig-~ Easy A<0~5 line Of Cr~lit to~~ Checks, dt5 and payments made from pour checking account, auten~tica@ly transferring funds, up to your credit limit, in the event of an overdraft. F4us, ynu can transfer funds to your d-reciring account via ©nline E3anking or you can use the special checks to rnafce a purchase ar write yourse€f a loan. To learn more, call the number.at the trop of this staterrtes~t. ~,~~~ Sovereign BarYC ar a Member FDIC and a wtroly wmul subsidiary of Banco Santander, S.A ~ Sovereign and its logo and Santander and Its page 1 Of 4 logo aze registued bademarla of Sovereign Bank and Santander, respectively, or their affiFatea or subsidiaries m the United States and oMer 921705662 .,~ muntnes, 'nccording [o Tlro Banker, Decernb«, Zoos. ~~ ROBERT L YOUNG AND HAZEL M YOUNG LIVING TR HAZEL M YOUNG TRUSTEE ROBERT L YOUNG TRUSTEE Account #~ 921705662 Balances __ _. `B°ginning" Balance - - $5 280.53 Current:-Balance `$5,143.67 Deposits/Credits + $1,354.04 Average Daily Balance $4,558.52 Wdhdrawats~ebits _ - - $1,490`.90 ,. , .. . r , Interest ,_.... Paid'this Period ' $-0.04 Annual Percentage Yield Eam~d 0.01°f° Earned this Period $ 0.04 Paid Last Year $0.70 Paid Year-To=Date --~ -_:. ~ :. ; ._ - .. $ 0:.32 ._ ::_ ~ ~ - - - _ 'The interest earned and the interest paid may differ depending on when interest is credited to your account. Service Fees -Itemized Date # Transactions Fee Total :- - _.. _: MONTHLY-MAINTENANCE FEE _ 07/09/14 , # 1400 $10.,00'- FEES WANED 07/09/10 1 -10.00 - $10.00 Total $0.00 Checks Posted Check # Date Paid Amount Reference _3970 06/14 $135.00 990746890' E3971 06/17 $924.44 GM CARD 2 -3972 ~ ~ ~ 06/14--~- ~ =-$2:74 ~ =~;-=621993480 _3973 06/16 $76.00 981456435 3974 ' 06/15 ~ $19.34 _ . ` 991213700 9 Check(s) Posted = 51,400.04 An asterisk (}) indicates a skip in sequential check numbers. Account Activity Date Description Check # Date Paid Amount Reference 3975 06/14 $25.36 725147310 '3976. - 06118 - ~ $20.94 ~ '- 9TFf103ff45 3977 06/18 $61.22 612808740 -3978 ~ ` "06/17 ` .. 'LL'•.f$i35A0 '-` = 61203528Q'` An (E) indicates check was converted to an elecVonic item. Additions Subtractions Balance 06-10 ._-- .06=10 Beginning Balance ---._ PPL EtJ EtEC SVC 7914Q750Q11tVS ~5:76 ~ ~ - $5,280.53 ~ $5,254.77.: 06-14 __ CHECK 3970 'T~ _ ~„~- -~b ~ $135.00 $5,119.77 .06-14 . ':CHECK _.,..::::3975 ~~ I~l~ed.r~ C-1 - , $25_:36 _...: $5,09d41~ 06-14 CHECK 3972 ~ $2.74 $5,091.67 06-15 CHECK ..° ~ '3974 n ~. Q~"G t0 Uq ~ 8" . ~ 51,9:34.. `";_$5,07233` 06-16 CHECK 3973 ~ ~ ~~ 576.00 $4,996.33 ~.06=t7.: GM BARD 2 CHECKPAYMT 1006173971., . ,' ., _ .._ ; . '. .~. ,$924;44 ., - _ . ~ ;:$4,071`:$9_- 06-17 CHECK 3978 ~ ~~~ ~G.~.Or. $135.00 $3,936.89 06-18 CHECK 3977 ..`561.22 -. $3,875.67.:; 06-18 CHECK 3976 ,~ ~,,,,~ -~'1rb, S~pc_, $20.94 $3,854.73 ' 07-02 US TREASURY 303 SOC SEC 070210 < ,. A SSA .. _ .- - .._. . $1,354:00 ,__ $5,208.73 .`, _ 07-06 AARP HEALTH CARE PREMIUM 0229627771 $34.00 $5,174.73 07-E19 PAWC.PAYMENT 100708 4645Cs73 . -. , $31.10 $5.143.63.:; 07-09 INTEREST CREDIT $0.04 $5,143.67 07-11 Ending Balance $5,143.67 page 2 oJ4 921705662 IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMER SERVICE CENTER AT THE NUMBER SHOWN ON THE TOP OF YOUR STATEMENT OR WRITE TO THE BANK FOR DEBIT CARD ISSUES: Sovereign Bank Attn: Debit Card Services MAI MB 301-06 P.O. BOX 841003 Boston, MA 02284-1003 FOR ALL OTHER ISSUES: Sovereig~n Bank Attn: Client Relations 10-421-CR 1 P.O. BOX 22646 READING, PA 19612-2646 Please contact us if you think yow statement or receipt is wrong or if you need additional information about a transfer on the statement or receipt We must hear from you no later than 60 days after we sent you the FIRST statement on which the error appeared. ~ Tell us your name and account number. ~ Describe the error or the transfer that you are uswe about and explain as clearly as you can why • Tell us the dollar amount of the suspected error. you believe there is an error or why you need further information. If you tell us orally, we may require you to send yow complaint or question in writing within 10 business days. We will promptly investigate the matter and call or write to you with an answer within 10 business days (I O calendar dayys in Massachusetts). If we need more time, we may take up to 45 days to investigate yow complaint or question. If we do, we will credit yow account within this 10-day period for the amount you think is in error, so you will have the use of the money during the time -t takes us to complete ow investigation. If we ask you to put yow complaint or question m writing and we do not receive it within 10 business days, we may choose not to credit yow account For errors involving new accounts, point of sale pwchases or foreign transactions, we may take up to 90 days to investigate yow complaint or question For new accounts, we may take up to ZO business days to credit yow account for the amount you think is in error. We will tell you the results of ow investigation within 3 business days after completing ow investigation If we decide there was no error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation_ Important information about your Sovereign Debit Card The networks through which some of yow Sovereign Debit Card pwchases are processed have begun allowing merchants to process yow purchases without either a signatwe or a PIN. If you are not required to enter yow PIN when you make a pwchase, yow pwchase may be processed either through the Visa network or through the STAR or NYCE networks. If yow pwchase is processed through STAR or NYCE, different terms apply and you will not be eligible for the rights and protections available through Visa. Please see yow Personal Deposit Account Agreement for more information. t ~L~~ ~~ 39TD 1j ,t~. ~r a~ou cR aau.rw ; ..~~'C.rr a.~iw ~.a'+w..~.d1r~a i3~.~~Sr~y~~yw,,.~°4j',tc~c, ..eu.~,u ~ i+r~ +n BanK ..... - - - - 53.9..~3~t~. ~ ~:~319'tt6g4$ ~ DR~i?05~r62r3a~t7 921705662 # 3970 06/14/10 $135.00 r ~~ 397 3 votnYO "°""° V/ M SMPIAIDR. ~~~ 6~A M 1]OIiiND ~,0 rw+r h[ ..ue._ ZIT„ -. ... .v-~ =~,,AO 9aw+ers`` QN1D~U :~`T'IN9 #y0. Ign Banat H f ~ 0.5-,~ 7950 ",~ ~. ~.'Hati3Tt641N. t)gZ~?p5C62M'3g7 921 /05662 # 3973 06/16/10 $76.00 ~~ s9T5 Bfltli.' nr.~Ll~' ~:23i34Z691r. L7g2LT05662H~g7 d DOOttt53C~ 921705662 # 3975 06/14/10 $25.36 page 3 of 4 ~~~~' o-r,~+au 3972 -u~za yowKi ~,,,,oe - ---- ~z,nm,cuaR- --- ----- ire `tL,.9~k9uS.Jt1,...~muA,...;.naG~,.~ ~ S a~ ~..o-c~-~u:~~ 0 utpo fit ~=_:: ~Bovez'e[gt1 B8n1~ ~~rC7~oa~-~'~aa9~ WL..l,lt. a .23L3T269L. 0g2LT175662~r;q~t000QOt1027~,~ 921705662 # 3972 06/14/10 $2.74 .~:.~. 3874 . W M ~! G0. ~pTlli fV01.A L4 ,r-0p.iii0 ed~1M~L.`.~y~1a i ~:+~... -- ._._~~ t 1'4.5/ R .e ___.._~ .. ... _..._ _ ~. .Cd-tMt C~ r.21L37t69L~ Oq~l7D5C6?*3g7~ 921105662 # 3974 06/15/10 $19.34 -~+nz~~t. ro ~p 3 A'Tt ~3~ M i`IQM MT. .!'S ONAM liRf 7Stl ~~lt ap~0 •` L ~'+'l12~~n BaTtIC 4t3L972S4LC fl9c'L7D566Zp34T DDD4D;!0941 921705662 # 3976 06/18/10 $20.94 921705662 .`~ Statement Period 06N0/10 TO 07111!10 a ~ 39'77 ~,.~ccua0. n ~C ~~-"=..6lMlFh~ ~i ~~L- .ygA L ~ ~P~rT ~. _ r 4Z3i9?264.45 Q9Zi7~566Zs'99 7 r044a~45id'~f 921705662 # 3977 06/18/10 $61.22 rov u~won ~ 3478 m E n waw a~ ~ ay~~ ^"~- ten--. _ 7~I~li-QI 1 /1~0 ~ ~. ~ ~.'C1Q ~ 7 1,+~V ,._ o.sr ~ ~tyfi '~'~ • @3L34249i~. ~4214RSC&ir394 921705662 # 3978 06/17/10 $135.00 page 4 of4 9217D5662 g 1~ ' ~` ~~~ 3 16'x'. ~ ~l~ft 6~ g } ` Santander Strong-- Sovereign is part of Santander, "Global Bank of the Year."~ Statement Period 07/12N0 TO 08/09/10 ~ y SOVEREIGN INTEREST CHECKING l For your convenience our Customer Contact Center is available from 7 am - 8 pm EST, 7 days a week. Call us at 1-877-SOY--BANK (1-877-768-2265). ~ooooo-o Hearing impaired may call 1-80028-9121 (TTY/TDD)_ ROBERT L YOUNG AND HAZEL M www_sovereignbankcom YOUNG LIVING TR HAZEL M YOUNG TRUSTEE o 0 0 0 ROBERT L YOUNG TRUSTEE 7 0 09 0 124 N ENOLA DR ENOLA PA 17025-2520 90001337 ~-s ~-~ ~t~~b~~ 1 20~Q, ~h~ ~~olldvtir~lnc~ ~~~~~ veil ~h~n~e; D~rnestic R~eturr~~d Item will be ~~ S.Ot~ • Inactive Act©unt ~p~er rrtonth} ~lJ be ~ ~ 6.00 ~o Eearn r>;l~re, ~~~1 tale num~~r ~t the t~~ ~f #~lis sf`~t~r1~~~t#. .i»i>°at? t r T ~ {~ 3' ~ .s bV 3 S.: -...-4 T4 44 i i K,. 4rY ~- tY'+ Yr -.:. r4\4.t k~ b J~ ¢, a r L * .. ~ •.....:~ .a , • v > ~ ~-• } ~ x ~ <:t ``cQ t 4 S a~ '4~G.F,wr ~~~ ~y~f ~"~ {`F FTXL ~i-k } }~~ ba.n~~ d~es~gne~ ~r~th st~:cien` in' ~ ~~4 3"~_s --"" '1. ~.~.•~ ~ i .. o-.•.t, s s . _ _ `s ~ . ~ e-«-: a a.s-.vw~$ s~.,~a ~.K .. s ,.r.+~~,s±e ~[~ S+1F ''«/*r~.:: Sovereign's Student Banking package features rao minimum balance or monthly fee, free one-way transfers from a parent's account, and everything a student needs for easy, convenient, worry free banking, while attending college. Plus, rrow through September 10, 2014, open a Student Banking package and you could earn cash. T© Learn more calf the number at the tap of this staterne~nt. '!"41T'!0Sr1Y1igKttll~rt7:-f?~1:7.rxY~ty'ttr i.:F!rT~.7R]F~CtrR':~TJ :t+ .. `e-..~_P.7~~rs.d~?sf!**.i~+n;4~v v*~•anM?cns ir~7~_A:a,..ir .c•osi agic~yr+rt*++n:~+u 4L49150.•If Sovereign Bank and Yantis life have partnered to help you safeguard what you value most Protect the ones you love with Super EZ~ Life Insurance--a simple product tint makes applying fcx cflver~ge gt~idc acrd eaasy, offers plan terms from 10, 15, or 20 years, pnavides premium payment options, and ,guarantees that all pl~rts are amble for age 85. To iea~rn more, tail 1-86S-QUpTE-4-tJ or visit so~rereign~ank.tom/protecting. r~~nrQ fn,.t~ t~ ta.,~cr.,,~r~KS+d9~ :t t~IQT A I~EPK~'S!T I RIOT FQI~ ~iSLREQ I r~OTGU~4R,~htTEED BY THE ~14K # t~JOT !N,SIIREf} 9Y,~t'dY FEDERAL GOVEi;IVMENT.4GE~+1CY ac~an Sovereign Bank is a ~Aember FDIC and a wtwly owned cubsi6ary of Banco Santandu, S.A ~ Sovereign and ite kgo and Santander and its page 1 Of S = logo are registereil trademarks of Sovuepn Bank and Santander, respectivery, or their atfiAates or subsidiaries in the United States and otl~er 921705662 ._ co~rdries. •Acmrd-rg to nre eencer, December, 2009. ROBERT L YOUNG AND HAZEL M YOUNG LIVING TR HAZEL M YOUNG TRUSTEE ROBERT L YOUNG TRUSTEE Account # 921705662 Balances . $4,941.14 Be inni~ Balance - $5,143.67. Current Balance - : __ Deposits/Credits + $1 354 03 Average Daily Balance $4,195.64 '111fithdrawalslDetSits._ - $4;556.56 _ :. Interest _;,_ -`Paid this Period ' $ 0:03 ~ Annual Rercentage Yield Earned 0.01 Earned this Period $ 0.03 Paid Last Year $0.70 Paid-Year-Ta-©ate ~_ ~ ~ ~ =$0.35 'The interest earned and the interest paid may differ depending on when interest is credited to your account. Service Fees -Itemized Date # Transactions Fee Total __ ,..: _. MONTHLY MAINTENANCE FEE 08109/10 1 10 00 $10.00' l FEES WANED 08/09/10 1 -10.00 - $10.00 Total 50.00 Checks Posted Check # Date Paid Amount Reference E3979 `07/13 - $844.74 GM.CARD 2 ^3980 07/14 $48.09 974215650 _ 3981 - 07/t3 ' $49:42 996688255. _ _ 3982 _ 07/15 $3.86 985722975 3983 '07/19 °' -:$3.74 ` 974981675 3984 07/14 $220.00 616987720 i. 3985 - 07/13 ~ - .: $40:51 62734993.0_: 3986 __ 07/28 $8.ao 976624805 _ •3988` 07/29 -:$581 611532950; 3989 07/29 $59.00 611609180 19 Check(s) Posted = $1,505.20 An asterisk (') indicates a skip in sequential check numbers Account Activity Date Description Check # 3990 Date Paid 08/08 Amount $7.57 Reference 624370~3D- 3991 07/29 $10.62 987782315 '`3992 07/28 $59.28 987538940..E 3993 07/29 $25.73 611703870 3994 = 07/29 - $8.32 9$781420`5'= 3995 07/29 $18.75 611614010 ^-'3996 07/29 $13.50 .-64153294D 3997 08/02 $5 64 613706730 4001' 08109 ' $72.22 970358800 An (E) indicates check was converted to an electronic item. Additions Subtractions Balance 07-12 Beginning Balance $5 143 67 0`7-12 _ . PPL EU EL~C SVC 7914075001U1IS ~ $7.36 . ., ^ $5 126.3.1:__ 07-13 GM CARD 2 CHECKPAYMT 100713 3979 $844.74 $4,281.57 07-t3 CHECK .- :.3981 ~ . ~ o _ A '-_ $49.42 - $4 232;1`5'; 07-13 CHECK 3985 , Y,,,~~ ~ Cn+.c $40.51 $4,191.64 t4 07 CHECK 3984: _ $220:40 - $3,97164. - 07-14 CHECK 3980 +~ n - ~ ~ o ~ c.s $48.09 $3,923.55 07-15 CHECK -3982. C..~. w~ ~ :' .~ C)HC °. $3.86 $3,9196.9;:: 07-19 07-28 CHECK CHECK 3983 ~ 3992 ,~ ,~ ~ `~ Q $3.74 _ $59;28 _ $3 915.95 $3,85Er6.7 07-28 CHECK 3986 ~ L P ~ $8.40 $3.848.27 07-29 CHECK- 39.89 L. s.. _ $59.00 ' $3,789,27; 07-29 CHECK 3993 1-~e.s,~\ Ste, $25.73 $3,763.54 07-29 07-29 CHECK_ CHECK 3995 3996 ~ r~ n - .nne.~c..e~ \ C~+~ec-.~ --- - _,. $8.75 $13.50 ;$3,744:79. $3,731.29 07-29 CHECK - 399.1 sc~c c.c~~~~t3c.s~- - ~ $1.0.62 $3,220.67;; page 2 of 5 921705662 Account Activity (Cont. for Acct# 921705662) Date Description 07-29 CHECK 3994 C~w~~ `r- `a~~S Additions Subtractions $8.32 Balance $3,712.35 ~r-ca c,n~~.n satszs ' iv±.in -~ ~- .. _ $5.81 $3,706.54 08-02 CHECK 3997 CG.w . l ~ E 11 $5.64 $3,700.90 OS-03 US TREASURY 303 SOCS C 080310 _ $1,354.00 _ ~-~ : - ~ $5;054.90 A SSA _ 08-05 AARP HEALTH CARE PREMIUM 0229627771 $34.00 $5,020.90 08-09 08-09 CHECK % ' _ 4001 ~'' t CHECK 3990 ~ ,. `; $72.22 $4,948.68 ~'^^4c- t- o. $7 57 $4 941 11 08-09_ INTEREST CREDIT _ $0.03 ~ ° $4,941.14 `'~ 08-09 Ending Balance $4,941.14 IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMER SERVICE CENTER AT THE NUMBER SHOWN ON THE TOP OF YOUR STATEMENT OR WRITE TO THE BANK FOR DEBIT CARD ISSUES: Sovereign Bank Attn: Debit Cazd Services MA 1 MB 301-06 P.O. BOX 841003 Boston, MA 02284-1003 FOR ALL OTHER ISSUES: Soverei~ Bank Attn: Client Relations 10-421-CRi P.O. BOX 12646 READING, PA 19612-2646 Please contact us if you think your statement or receipt is wrong or if you need additional information about a transfer on the statement or receipt We must hear from you no later than 60 days after we sent you the FIRST statement on which the error appeared. • Tell us your name and account number- • Describe the error or the transfer that you are unsure about and explain as clearly as you can why • Tell us the dollar amount of the suspected error. you believe there is an error or why you need further information If you tell us orally, we may require you to send your complaint or question in writing within 10 business days. We will promptly investigate the matter and call or write to you with an answer within 10 business days (I O calendar dayys~in Massachusetts). If we need more time, we may take up to 45 days to investigate your complaint or question. If we do, we will credit your account within this 10-day period for the amount you think is in error, so you wrll have the use of the money during the time ~t takes us to complete our invesugation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may choose not to credit your account For errors involving new accounts, point of sale purchases or foreign transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to ZO business days to credit your account for the amount you think is in error. We will tell you [he results of our investigation within 3 business days after completing our investigation. If we decide there was no error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation. Important information aboat your Sovereign Debit Card The networks through which some of your Sovereign Debit Card purchases are processed have begun allowing merchants to process your purchases without either a signature or a PIN. If you are not required to enter your PIN when you make a purchase, your purchase may be processed either through the Visa network or throu the STAR or NYCE networks. If your purchase is processed through STAR or NYCE, different terms apply and you will not be eligible for the rights and protections available through Visa_ Please see your Personal Deposit Account Agreement for more information. 3980 -waa vo -ra ~~ M tllYLY9~ ~~ i vQ ~ ~:23-3 4 2693~C D92-4itSCC~2r39 tI 921705662 # 3980 07/14/10 $48.09 „" ~ir,,or ~.,,~ assz .s. a an. oa """~" 4•w, M •~ M„ 7/ ~ ~,~ . o ~ ~'.' h2i-3T2~691+: 092-TU5C62~398t 1+DOODt3~p38C~ 921705662 # 3982 07/15/10 $3.86 page 3 oJ5 ~. 39$1 wy wawa /~ p J p4U1M ~~OS.i! ens._l~f /.~D ` BAY ~23-372Q91K [192140SLG2/'39i- 921705662 # 3981 07/13!10 $49.42 AO•fgT t~rrrc ruza rovrra ~ 3483 iM M F%Clw dt ,/~ - u~~~ ®~ ~ 8overei BanK . ~s- ~d~Q ~i-.~ - '„'~" -~ ---- - --r ~C23.-37~L4-~: b92-t0561 :2p390ltTDGQ6~o3?r.P 921705662 # 3983 07/19/10 $3.74 921705662 ~~ Statement Period 07/12/10 TO 08/09/10 ~~ ~ 3'984 rr~wc~vs++ oow~a vou~nr /D ~. ,.. ~~ ,. L $ ~ ZL ~~ OTC , i oo.tsns ~ 9~ ,~. 1~~ r_ "i,23L34259~:7~,f00 D92i405bs y~ ~ naar~rtiau~w ~ r.,,,,,,r 3985 Knm~ ~" °i met v~ brs+~ a„~ ~ ff' 1 - ~I _aeww 8 _n f 7 bM~ ~ l7Wld 5 alb ~~~ 4db,-k ~' t23L3T2E4-~G 092i90se62r39 921705662 # 3985 07/13/10 $40.51 __._ 921705662 # 3984 07/14/10 $220.00 aoeorr ~ouMa .,r,,~:,,,, 3988 L~ ~ aas,~ y~~w rmnsa~n 2~' O liWti ~ 23 t34 259 ir. 09 21t~IS4~a 2r 34bU 921705662 # 3986 07/28/10 $8.40 0 o B~fYO-ma Pay 3989 -u3a 7an+a a.,o.. '° S cwrxt ~raaaaw «'* ~/ tG 3 ~ - ' _ °~ ~ ~ .1 ~ * ~ ~ ~"" N Q aW /~ -°+ x:23 t3T269~L: U921?o56G~9' '~~ 921705662 # 3989 07/29/10 $59.00 3992 au~' +a~ r ~ mt / ~+m.M „m,~. ,A. ~1~° ~ ~~-- Clr-s~~~ - w. $anY .;23134269}K Q9~i7¢5362r]g9 ' 9717f15FiFi2 # 3991 07/29/10 $10.62 eaevrr rouda ,,,,,..b,3 3993 o4IIA M fib"4'l ::~.eJ ~ ~ ---~- ~ 2S~?~ ~° - ~. - C23137269i~: ~~~05652r3g9 ~000~02543~ 921705662 # 3993 07/29/10 $25.73 R w ~~+or~~ _~~~ 3903 ti_ I@1 ^ GOA ~ '~- is47iA /r v~Lf¢s1 d iu o ~ ~~~ ~+~Rczz+ as 5 f~ ~ 7~5' rn r ~~ ` ~t.3137269L!~ 0$2i7~5b62.'399 _ 921705662 # 3995 07/29/10 $18.75 .°u .ioL I ) ~ 9988 a a. r 9.oS. a- ~~./ enwn ~xa+a~ y,,, ,I~ p .~'! $t °~ ~ _ ~~ n r, a R7 ,y 17V111 G1~J7~jid 823t3Ti69~d Dg2s4D5Ct7r3g8 921705662 # 3988 07/29/10 $5.81 a~ ~~ H~ ~ ~ 9990 o€ eio n~A. ~~ ~ 7~ '~~ I d o n, a rs.cL rrr. litsla. ~e S '1 • ti's h '~'~ G2333?2G'9N: 09~i705~4br349~ 921705662 # 3990 08/09/10 $7.57 eosExrYOUno ,,,~~ 3992 w~zE~ rour+a °~ ~ / y 94 ~~ ~~sm ~r.1'~ /d ~~ $ ~.. ~ BanY ~231372C91~ a92-~05562r3993 921705662 # 3992 07/28/10 $59.28 'norEmrc~uwc ,.,,~,,, a99a ~/• j~~A M 77Bl~if ~R nv:w.P ~G{l.rt ~ .t ~j2~~.i~ ~rso~ . ~ s g 3 ~ $aaY -~~~ --- Y.t3i;t2L9 W. Q92iTO5G3,Z~~`394K 921705662 # 3994 07/29/10 $8.32 o .~ ~,~ ~~ ~ 3998 ~ aurora~at 's t+1C1A M 17LS1a ~~Nf 7~a nti p ~ wr »aµ_ r__d~41~. ~CL ~ 'f ~~ EtG _ ~ ~ ! ~. ISO ~ ! _ -. ~ ~~ 8 E-.~ ut .~Oi ~, `" +:23t37269i~: 442it03ti2r3q~~ 921705662 # 3996 07/29/10 $13.50 page 4 of 5 921705662 ~ _ . ~+ !!M ~li~8i C~ Il~sl "' ""*~ p useL ~~+ z. 3 ~ ~ ~ ~ o c ~ - ~~ s s a ~S2li3T2C'IiK 09!lTCS6Lfir39 -~~ ? ~.. 921705662 # 3997 08/02/10 $5.64 page S of S Statement Period 07/12/10 TO 08/0911 T ~.,,.,aa 41901 ~ raeu~o v. r.encu at /~ 9KtiA M ,~ yyr ~+ P~ /~~.y ~~ CTiFJ~~O~ ~ LSt~6 . _Y ~ 1~ f.. ~ 2 iC2313T2541C ~92i70566trWO~l 921705662 # 4001 08!09/10 $72.22 921705662 d Q Santander Strong--- Sovereign is part of Santander, "Global Bank of the Year."* Statement Period 08/10/10 TO 09109!10 SOVEREIGN INTEREST CHECKING ~C1. For your convenience our Customer Contact Center is available from 7 am - 8 pm EST, 7 days a week_ Cal/ us at 1-877SOV--BANK (1-877-768-2265). ~ooooo-o Hearing impaired may call 1-800-428-9121 (TTY/TDD)_ ROBERT L YOUNG AND HAZEL M www.sover>;ignbank.com YOUNG LIVING TR HAZEL M YOUNG TRUSTEE o 0 0 0 ROBERT LYOUNG TRUSTEE 70090 124 N ENOLA DR 900012337 ENOLA PA 17025-2520 -`-- -:, :~ v~ iy ~v ~~ ~ ; We know you don't need the hassle and potential embarrals3rnerrt v# having d debit turd purchase or ATM withdrdrnraf denied due tc+ insufficient funds. Enroll in 5a+tereign Account ~` Protector toda if ~~ Y, You would tike to allow us to pay o+terdrafts, and Charge overdraft fees; on ATM and one-time debit card iransactiorns. We charge1835 -for earfi it~errt drat overdraws your account and g5 per day ~ die overdraft remains unpaid after 5 days. There is no guarantee j that w9 will pay ap ae+erdraftj, and ail o~rdraEts must ~ promptly repaid. Enroll tlodayl Call 1-8T7-7fi8-4721 or visit a Sovereign Branch. ,oR Sovereign has partnel-ed with liberty PVlutual to bring yUu additional protection. As a# July 201 Q, So~letreign made homeawrters, renters and auto insurance au~ailable. enjoy converiiience sum as multi-policy distourrts and Z4-hourc~airris assistance. For more iniot~ation, visit sover~ignbank,c~r~Ipr~erty or mil line Sovereign has available within liber`t)r Mutual at 1.88&47fl-2147. N4~ A pEJ~51~ a E!JQrt ipK iht3UREt~ I MOT Gt~ARAt1 8'K'~i~ BJINIC i NQT 1-~Stl1iI~K7 (;Y ANY GO'VER~l~i1E1t~' AGCY ibart~e ~rMa~im at7 ~aaaY trr U6t+b ntnai ins aca cr+~r+r era ~e ar+cirs. X75 etnrk~r s:c=t. eaaa~...a. ces t s. rYs~ro roc r+xaac+s to » ,ww, ioax#O~u On 10/1 ~ vue are rnaiCing a chase to the way vve process vviifidri~nrafs tl~t you rnalce from your account On 7It ,true began posing and paying ATM and Debit Card transactions before most of your ether payment arders_ 4n iQl1, vWe are re~rerting to the same posting process heat was in place prior to 7>r1 _ This means that on 1411, v+te will rreov~e your ATtvt and Debit Card twansaaions back into the same group of transactions as rreost of your other payment orders. such. as checks and electronic payments. As before, vv~e past all trar~sactiores in the same grt~up made on the sarrte businexs day -n :high to law order, regardless of avhen you made the transaction.lAle then pay transactions in the order in w#~ich they are posted, provided you have sufficient avaiiabf~e funds, regardless of when you made the transaction. Even if you don't have suffiae~nt available funds, we mlay permit you to overdraw your account, in same Qn~nlstartces. This means the SZ~O Debit Land pur+Cttase you made on Sunday morning v+rill be posted and paid before the ~1C~E} Afih~1 withdrawal y+o~t made on Frda~r night If you need ixelp avoiding o+rerdrafts, yov can talk to us about setting up an tverdraft Protection Plan. Call ttte rtumber at the top of this scazennent for more infom~ation. ~~~- Sovereign Bank is a Member FDIC and a whotly owned subsidiary of Banco Santander, S.ti ~ Sovereign and ks bgo and Santander and i0s page I Of 4 = Ingo are registered indemarles of Sovereign Bank and Santander, resoectively, or thek alfiFates or subsidiaries in the Untied States and other 921705662 ,..- courrtries. •Accordv,p to the Banker, December. Zoos. b~ ROBERT L YOUNG AND HAZEL M YOUNG LIVING TR HAZEL M YOUNG TRUSTEE ROBERT L YOUNG TRUSTEE Account # 921705662 Balances BeginningBa{ante '_$4,941;:4 Cr~rrent;_Balance $81,495.25 Deposits/Credits + $80,389 67 Average Daily Balance $47,680.00 WithdtawalslDebits -:53.835:56 _ _ Interest Paid this Period' $ D;38 Annual PercentageYieid Earned O~Ot°!o . ':' Eamed this Period $ 0.38 Paid Last Year $0.70 Paid Year-To-Date .~ ' ; = $ 0~3 .. . 'The interest earned and the interest paid may differ depending on when interest is credited to your account. Service Fees -Itemized Date # Transactions Fee Total _ _. __ MONTHLY-MAINTENANCE FEE 09/09/14 1 10 00 $10U0 FEES WAIVED 09/09/10 1 -10.00 - $10.00 Total 50.00 Checks Posted Check # Date Paid Amount Refenence _3998 `08/10 $705.33 98771.1250: E3999 08/10 $310.74 VZ WIRELES E4000 - ~ ~`08/10 `$1 475.05 'A`GM CARD 2 4002' 08!11 $34.10 970852310 4003 08/72 $3.86- 612327280-= 4004 08112 $13.94 982521735 12 Check(s) Posted = 53,709.42 An asterisk (`) indicates a skip in sequential check numbers. Account Activity Date Description Check # Date Paid Amount Reference E4006' ' 08!13 $60.81 STATE FARM`S 4007 08/11 $242.94 611906700 4008 ' ~'-' 08/18 ~ > $3.88. 97167929!6 4009 08/11 $3.70 981795850 401Q :08l1ti' $1-15.07- _ 626982780.: 4011 08/25 $800.00 972887245 An (E) indicates check was converted to an electronic item. Additions Subtractions Balance 08-10 08-10 Beginning Balance GM GARD.Z`CHECKhAY1VIT 10081U 4000 -: - . ~_ -- $1,41:5.05 $4 941.14 $3 526~i~9_ 08-10 CHECK 3998 LTC (rc l u. ~• c y Cpl, . $705.33 $2,820.76 08-10 .VZaNIRELESS,ARC ARC'1~OD809 3999 , $31:0:74 ;, $2.510:x2 08-10 PAWL PAYMENT 100809 0645673 $31.97 $2,478.05 08-71 CHECK ' =' - 4007 ~ ~ ~ ir1:.. ,:'_ = =_ : _ . , ;;=:. --; $242;94 ~ ~ "$2,235:11 08-11 CHECK 4002 k\ w,~o.no.M-t '~ C.~- CWre_, ssoc 534.10 $2,201.01 08-11 PPL .EU ELEC SVC' 7914075001 WS - - = $1;f>:98 : $T,184.03 08-11 CHECK 4009 e-czs C,g,,-e '„~~~~ $3.70 $2,180.33 T08-r2 _ __ _ CHECK 4004 h„`- ; . .. -.: _ $f3'.94 52,166.39 08-12 CHECK 4003 S ~,..~~. ~ ~ $3.86 $2,162.53 08=i3 STATE`FARM R_427 PY ` T 40U6 ;- . -,. $60.81 _ $2,10'1:72 08-16 CHECK 4010 .~'~ ~ esv ~ ~, a $115.07 $1,986.65 08-78 CHECK 4008 Cstv~~~e.r r ~~~+~.~.. ,e, ' e ,1 `~' _: $3.88:. $1,982. 08-23 DEPOSIT $78,812.29 580,795.06 08-25 CHECK 401 t ~~~ ~.` ~,~,,,~ ~_ .: , ~ .~r-c $800.00 X79 995:06 09-03 US TREASURY 303 SOC SEC 090310 A SSA $1,354.0 $81,349.06 09=07 AARP HEALTH CARE'PREMIUM 0229627771'' °- $34.00 $81,315':06- 09-09 DEPOSIT $223.00 $81,538.06 page 2 of 4 921705662 Account Activity (Cont. for Acct# 921705662) Date Description Additions Subtractions Balance __ 09-09 PAWC PAYtutENT 1A09080645Fr73 $31.17 $81,506.89_` 09-09 PPL EU ELEC SVC 7914075001 WS $12.02 $81,494.87 09-09 .INTEREST.GREDtT - $0.38 $81;495.25! __ 09-09 Ending Balance $81,495.25 1N CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMER SERVICE CENTER AT THE NUMBER SHOWN ON THE TOP OF YOUR STATEMENT OR WRITE TO THE BANK FOR DEBIT CARD ISSUES: Sovereign Bank Attn: Debit Card Services MAI MB 301-06 P.O. BOX 841003 Boston, MA 02284-1003 FOR ALL OTHER ISSUES: Sovereign Bank Attn: Client Relations 10-421-CRI P.O. BOX 12646 READING, PA 19612-2646 Please contact us if you think your statement or receipt is wrong or if you need additional information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error appeared. ~ Tell us your name and account number. ~ Describe the error or the transfer that you are unsure about and explain as clearly as you can why ~ Tell us the dollar amount of the suspected error. you believe there is an error or why you need further informationr_ If you tell us orally, we may require you to send your complaint or question in writing within 10 business days. We will promptly investigate the matter and call or write to you with an answer within 10 business days (]0 calendaz dayys in Massachusetts). If we need more time, we may take up to 45 days to investigate your complaint or question. If we do, we will credit your account within this 10-day period for the amount you think is in error, so you will have the use of the money during the hme it takes us to complete our investigation If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may choose not to credit your account- For errors involvingg new accounts, point of sale purchases or foreign transactions, we may take up to 90 days to investigate your complaint or question. For new accounts we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results of our investigation within 3 business days after completing our investigation. If we decide there was no error, we will send you a written explanation You may ask for copies of the documents we used in our investigation. Important information about your Sovereign Debit Card The networks through which some of yow Sovereign Debit Card purchases are processed have begun allowing merchants to process your pwchases without either a signature or a PIN. If you are not required to enter your PIN when you make a purchase, your ppurchase may be processed either through the Visa network or through the STAR or NYCE networks. If your purchase is processed through STAR or NYCE, different terms apply and you will not be eligible for the rights and protections available through Visa. Please see your Personal Depostt Account Agreement for more information ~~ .rew. 3998 II~M.i'}kil' GA iii // 1 ,;. ~ L 7 ~' ~ s ~,~ ~c ~axS777T~, ~ s ~jo~. 33 r. 2117,3?Z1;41~ 04;i1'itI566E+396 921705662 # 3998 08/10/10 $705.33 __,. lioer~trtio~n N,~xa muvC .~b,a+v 4003 ~e ~ /~ -~+ a ~ ~Sr ~ ~1L ~ ~ Q ~ .AI~A~Lr i ~ "~, ~~ lj°_ ~ ~ f~ ~. ~-,~~ ~g~ ~- icz3-i7zs9v: o~z~~sra szir~~ooao©osasr yZ1 1U566Z ~ 4003 08/12/10 $3.86 page 3 of 4 "O°EpT'rOU~ r~s.ra~, 4002 1H N ENO{A pR Mlt 8~ / ~d a.a.~ w. rnaswo M ~u~.uD ~C~~. ~a~ ~~ 3~f ~a _ ~ L-'~ CJ~~ac ~/cam--aau.. a :_ -. Socrrrign BanY +123t;42S91~: 0~217056C2+4001 tDOD0003`i0~' 921705662 # 4002 08/11 /10 $34.10 AosEwr vour+s ..,,,,., 4D04 i 5o~ga sank ~23t3726R~i: t19d17D5t;tr~!'40t34 921705662 # 4004 08/12/10 $13.94 921705662 ~~ Statement Period 08/10110 TO 09/09/10 noeexse~u+s ~~ gppT HI~ZEL MOUNC ~U Y QIgJ1 p! ccawv,~ ntasaw /D L ~ fJ~ n S -i.JP.~1f-- ~ ~ til R"V .23i37269LC 092t7[15C62rN3a ~D 002.2941 921705662 # 4007 08/1.1 /10 $242.94 aoo9 tN MfNRA OR ~/~~ i ETbIAM N F{~'/" ~..A.r ~,e.~~ ~_ tea- ~------- $ 3.70 ~~b ` o • B ~-.~ ISOVBrB~gll BBIt~ ~:23t37269b: Q92i705662o'40Q9 921705662 # 4009 08/11 /10 $3.70 aoii o~.ou1Op: '~cr~¢`r ~. '(oo.w~a ~: 1 ~ ~bo_ goo a ] ~' .~c c~wvo Rca wo%c~ ----~- oa~una ~ ~..,. :Smereign $anl~ ~: 23 i37 269.x: 092 ; 7E1566 2w L© 1~i 921705662 # 4011 08/25/10 $800.00 xoeon ~uaa .,~,,,~ 4008 II~I~100ND a~rrg~~' p ti' W M OQJ~ OR ~ ,~,~/~ j ~~Aa ~"~'~ ~ q( f p~~ - • DYlld ~etai3~~s4ie s~9ai~osss~r~ao ,...- 921705662 # 4008 08/18/10 $3.88 ~ ao~.o i2~M WGI~Po o~an M + o ism 9~~~~_f~~~.k 11~ 1 ~ ~1510 7 n C23i372s9U: o~>~t7d5662r~a~ ~~lt~ottSOQr 921705662 # 4010 08/16/10 $115.07 page 4 of 4 921705662 1 - i Santander Strong-- Sovereign is part of Santander, "Global Bank of the Year."* Statement Period 09/10/10 TO 10/11/10 • SOVEREIGN INTEREST CHECKING For your convenience our Customer Contact Center is available from 7 am - 8 pm EST, 7 days a week. Cal! us at i-877-SOV-BANK (1-877-768-2265). iooaoo-o Hearing impaired may call 1-800-428-9121 (TTYITDD). ROBERT L YOUNG AND HAZEL M wwwsovereignbank.com YOUNG LIVING TR HAZEL M YOUNG TRUSTEE ~ 0 0 0 ROBERT L YOUNG TRUSTEE 7 0 09 0 124 N ENOLA DR ENOLA PA 17025-2520 900011337 ;r:A: .___ - it ~ 1 * ~ ~ For a limited time, you can get a special discounted rate when you get a new Sovereign mortgage or refinance an existing Sover>~ign ri~ortgage and sign up fc~r automatic payment from your Sovereign eh~ecking account Choose from a variety of different rhartgage ~ro~rams--+nciuding First-Time Homel~uyer progralrn, lumho /.sans and Construction loans--and save thousands aver the Gfe of the ioan± Fi!-JD [3117 f+~tL3RE A~Ql1T` (7UR t3ET't~Eft BaNKI1tiC C~ ~I~EA"t` RATES ~ Stop by any 5over~eign Branch or tall 877-SOV BANK today! tuanrar~ ~ ~ ,~ ~ E ~ ~ ~ ~ 1. For a limited time, you can get a special d'~scourrted rate on our Flexloclc°D Home Equity Line of Credit when y©u use automatic paymerrt from your Sovereign checking account' Plus the interest you pay rt>ay be tax-deductibte* NND {3UT NtORE ABOUT OUR BETTER BANKI!I•iG ANt? GREAT RATES. Stop t3y arYY Sovereign Brunch or call 877-SOV-BANK today[ .- ~ ~~ ~I-'YEAR CD ~ APY~ I~EPt~S1~'... F#N[~ C3tJT I~Qf~E ABQUT OIfR Bt~3TER B.ANKIit1tG AND GREAT ttATES_ Stop bar any S~verei~gn Brandy or cat! 877-SOS/-BALK todtayf A we.b've r es i a co..a ~. rAr .eltdrrs Pmol ~ Xwa iAP+7 .elraw~ w of t}'1ddC it f ..tilt ie r.on a rry rim .Bw ticrrbr t 2, 2fl10 ta.rr .cw,~l+. IQI.CCOP Z Sovereign Bank is a Member FDIC and a vfwly owned subsidiary of Banco Santander, S.A ~ Sovereign and its logo and Sarttarder and its page 1 of S = kpo are registered tradenmrta of sarueign Bank and Santander, respxtivety, a their affiliates a subsidiaries in the Urdted States and other 921705662 ,.~, wunIIies. 'According [o TTa eer>ker. December. 2008. ~~ ROBERT L YOUNG AND HAZEL M YOUNG L/V/NG TR HAZEL M YOUNG TRUSTEE ROBERT L YOUNG TRUSTEE Account # 92? 705662 Balances _ _ Begiribing Balance $81,495:25 Current_Balance _ = $72,8.49.68 Deposits/Credits + $1,354.67 Average Daily Balance $76,514.18 'Withdrawals/Debits _ X40.00024_ ~: ,:., Interest Paid"this Period * - ~ $ 0.67 Annual Percentage Yield Eamed OA1°o Eamed this Period $ 0.67 Paid Last Year $0.70 Paid Year,To-0ate : <: $ t:40 - 'The interest earned and the interest paid may differ depending on when interest is credited to your account. Service Fees -Itemized Date # Transactions Fee Total _. ~,, MONTHLY MAINTENANCE FEE 10/08/10 1 10.00 $10.00 FEES WAIVED 10/08/10 1 -10.00 - $10.00 Total x0.00 Checks Posted Check # Date Paid Amount Reference 4012 09115 - $13.87 _ 61:8850200 E4013 09!14 $3.871.09 GM CARD 2 4014 ~ ~- 09/15 $t6.07 ° ~ ` ' 9864't5215 4015 09/14 $5.08 980967075 4016 ` 09/.16 - $218.24 610695840 E4017 09/14 $118.64 UGI UTILIT 4018 _ 09/15 $1 Q.45 995486005 _ 4019 09/16 $39.59 610702720 .4020 - 09/14 < $6'.83 625748700` ^4021 09!14 $8.89 981152315 4022. 09114 $84.14 82574871.0` 4023 09116 $225.92 976251305 Check # Date Paid Amount Reference E4024 _ ' 09/20 $400.95. VZ' WIRELES 4025 09/27 $772.83 997833185 ' 402fr = 09122 $20.00 = 99678889-5 4027 09/22 $40.00 996758900 ^4028 09!20. $53.51 626674870`` 4029 10!04 $6.83 615389460 4030 -10104 $84.14 = 6t5389480'`. E4031 10/04 $35.09 DISCOVER A E4032 10!05 $1 804.19 GM CARD2 4033 10/06 $5.08 987047635 4434 ! 10/05 - $96.80 991436400- E4035 10/08 $2.000.00 MEMBERS 1 S 24 Check(s) Posted = X9,338.23 An asterisk (') indicates a skip in sequential check numbers. Account Activity Date Description 09-10 Beginning Balance 09-t:3 PPL EU"ELEG_SVC 73140750b1WS -~ - - -- An (E) indicates check was converted to an electronic item. Additions Subtractions Balance $81,495.25 - - - - - $0=83 $8'[,494_42_; 09-14 GM CARD 2 CHECKPAYMT 100914 4013 $3,871.09 $77,623.33 09=44 UGt:UT1L)TIES UTIL PMTf.09131••0 4417: $118.64 $77 504~fi9 i 09-14 CHECK 4022 ~„~.`qc, ~, \~~ w,~,~~-, $84.14 $77,420.55 09-14 .CHECK , ' 4021 _ - ~ . $8:89 , ~~ '$77,411'66=: 09-14 CHECK 4020 ~r„~t,,.~ $6.83 ~ $77,404.83 09-14 GHECK 40'E5 Ni~e~c-~c.-e-.,~ '; - `. ~ $5°08 $77;399:75 09-15 CHECK 4014 ~.,, ~,,~ r, $16.07 $77,383.68 09-45 CHECK 40f2 a,n _ _ .. $1.3.87 8:77,369:$1 09-15 CHECK 4018 L~ $10.45 $77,359.36 09-16 CHECK 4023! - P ~irL $225.92 $7.'x,133"44 09-16 CHECK 4016 ~~nr~.4c. ~ ec..` C.~~?. $218.24 $76 915.20 09-16 CHECK 4049` r~rKkc_~~ .~~.~'~t ` Sv`5 S $39.59: $76 87b.61 page 2 of S 921705662 Account Activity (Cont. for Acct# 921705662) Date Description Additions Subtractions Balance 09-20 VZ WIRELESS ARC ARC 100917 4024 $400.95 $76,474.66 09=20 CHECK 4028 ~~+AO~c c;., ~~ ~ c ~ ~. $53 51 $76`421 15' U9 11 ~ rAWC PAYMENT 100920 0645673 $27.18 $76,393.97 09-22: CHECK 4027'• ~"j'~.} $40.00 ~'' $76,353.97 09-22 CHECK 4026 ~T r-T $20.00 $76,333.97 SURY 303 SOC SEC 100110 $1,354.00 ._ _.. ---- $76,915 14 A SSA '14-04 ` CHECK - 4030-:_. ~,~+~ia.e.. ~ e o., ~,>nr~.+~,~=~ ; $84 t4 ~. ; ..$'~6"831 00 10-04 DISCOVER ARC PAYMENTS 101001 4031 $35.09 $76 795.91 10-04`_ CHECK 4029 ,R,~ ~ tc~, ~ Mc:T\ $6 83 , $76,789 08`; 10-05 GM CARD 2 CHECKPAYMT 101005 4032 $1,804.19 $74,984.89 10-05 ' CHECK 4034 - cr;. -inn O ~a ` M i+~..~o,.~nc~c., ec:i ..~ $96 80 $74888 09 10-05 HARP HEALTH CARE PREMIUM 0229627771 $34.00 $74 854.09 id-06';: OHECK :4033 r,,C~,r, to~+1 ~. ~,,,kn $5 08 , '' $74 849 01 _ 10-08 MEMBERS 1ST FEDE PAYMENT 100810 4035 $2,000.00 $72,849.01 10-08` INTEREST CREDFT ' ` $0:.67 T $72,:$49.68.' 10-11 Ending Balance $72,849.68 IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMER SERVICE CENTER AT THE NUMBER SHOWN ON THE TOP OF YOUR STATEMENT OR WRITE TO THE BANK FOR DEBIT CARD ISSUES: Sovereign Bank Attn: Debit Card Services MA1 MB 301-06 P.O. BOX 841003 Boston, MA 02284-1003 FOR ALL OTHER ISSUES: Sovereign Bank Attn: Client Relations 10-421-CR1 P.O. BOX 12646 READING, PA 1 96 1 2-2646 Please contact us if you think yow statement or receipt is wrong or if you need additional information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error appeared. • Tell us your name and account number. • Describe the error or the transfer that you are unswe about and explain as clearly as you can why • Tell us the dollar amount of the suspected error. you believe there is an error or why you need further information. If you tell us orally, we may require you to send yow complaint or question in writing within 10 business days. We will promptly investigate the matter and call or write to you with an answer within 10 business days (10 calendar dayys in Massachusetts). If we need more time, we may take up to 45 days to investigate yow complaint or question. If we do, we will credit your account within this 10-day period for the amount you think is in error, so you wrll have the use of the money during the time ~t takes us to complete ow investigation. If we ask you to put yow complaint or question in writing and we do not receive it within 10 business days, we may choose not to credit yow account. For errors involvingg new accounts, point of sale pwchases or foreign transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit yow account for the amount you think is in error. We will tell you the results of ow investigation within 3 business days after completing ow investigation. If we decide there was no error, we will send you a written explanation. You may ask for copies of the documents we used in ow investigatroa Important information about your Sovereign Debit Card The networks through which some of yow Sovereign Debit Card pwchases are processed have begun allowing merchants to process yow pwchases without either a signature or a PIN. If you are not required to enter yow PIN when you make a pwchase, yow ppwchase may be processed either through the Visa network or through the STAR or NYCE networks. If yow pwchase is processed through STAR or NYCE, different terms apply and you will not be eligible for the rights and protections available through Visa Please see your Personal Deposit Account Agreement for more information. i ~ r..a, 4012 tr weaioa ~ ~° .«. „~~..4 ds.t tT p • ~ ... _ 313. B?" ~ -~•~ F - ~~~ I3anK ~ rr. f/] 3/ ~~~ - zii...T __ r ~:23 13 7 269 1C 49ti?DSi6tr'4QYt 921705662 # 4012 09/15/10 $13.87 page 3 of S ryaYO~ r+aw~n~s 4olA esa w EnOI~ On °P ~'/~ ~/ ...,a:,~e~rt c-gIDR-~l~tt~ ~tt~. /r.s p. ~~S.e~ S ~~ -07 - ~~ ~~ ~'/ ~u~~ ~ _. Bovcreigv BanY .... I/ tfi~y o 6 ° Q~..,3r -.23i37269LF: Q92~?t15662~!'4D 4 ~OOOfl00~60T.r yl l /Ub1iEi1 # 4014 09!15/10 $16.07 921705662 ~~ Statement Period 09N0l10 TO 10/11M0 aoaewr mdirio ~..~, A 015 t+^~~ yw+e ...xae iw r ewes ~n Jp p,pu~ M e.c/y/=L /J~. -~~- ~YII~' ~:23i3~269i~: Ug2i9p5Sg,2r4D 5 --- 921705662 # 4015 09/14/10 $5.08 ~~ ~ . _, , . , r, 401 B ~ fli6A M pf~~J ~ r + w ~ rw (I~ J~~ ~t ~~- Lim ~,r _ - _ . _. ~ : ~Q. y~ ~j .'3 ~Y ~ za+o8 Q.A.• ~ - ~- ~:Z313?Z~91~C 092i7D566Zp~OiB 921705662 # 4018 09/15/10 -- -•- $10.45 - ' f I~r IW~ 11~IIlIw IR R~I7ALIl r~ w.oiwsr nu~rsot ~ ~~~~ e a ' ~, Id 4. csxY ~u.~llC.ac ~ ~_~ ~ t _ ~ ~ i ~ 1i~ ;~ ~ C23i373&~iC 0431?D5G&n4Q? 921705662 # 4020 09/14/10 $6.83 ~ i E E ~ ~ aoa2 ~~~~ j MOIAM 06~ ~ Y.rw,+. Ut.d.f1 lf~IL~' ~E ~~ f+~ ~ ,.' A ~[ ~ ~ 1 s0LL1f~ ® Gr i 1 ..~ ~~0~ 1~11~ .. ~ ' w 14o~(Is - -'- ~ CZ3i3'iZG~liC 09227DS668rtD Z 921705662 # 4022 09/14/10 $84.14 nOB~Tra~a e..,,,a, 4025 Kaz~ rov-+c .nom t2+ N ENGts Dp ~ d @~Q,..A ~~~ a~ Y l l~ Sovereign BanK / ~~ / 9~? - 99 z Qd..3 4 ~;Z3i37Z691~: 09z170S562r4025 "1000OQ7?z93t a o nnee-7rouNa ~y„o 4036 As-vACC~ a~,k s ~t~_.~ f i ~"~, ! ~t ~~'~-..,, ~ sue,.. ~ ~ a sa a ~ ~ 0 3 ~ 6 c:2 269is Og2~7954 9 21705662 # 4016 09/16/10 $218.24 o ~ - +*.~. +101.9 ~ y i, ~ a i~ow +a "'er ~,~';",~,~, o a 1 d 'R A ~ G, A e '~Ti4+~ S~ ~ 'SAY F G. _ _ .. . . ' ' V p r3 . ~(~ Lf..~. ..._'~s~~l - - - _ -~-.-~-s--~ . - -- "~~ ,. . C~31343C93+: ~09~i?056G2r4D4 _.._ 9 21705662 # 4019 09/16/10 $39.59 r,~a+na ~,; 40a1 ~ m«~ ~i~ Y CIQA DL O 2Mm~ M ~lQIIa7 7t P~ Z .ZL~- 4~J~. - -- - .,~ ~--_- -- A:23i372&9i~: D4Zi7O5662+r6 921705662 # 4021 09/14/10 $8.89 cwsE+rr row+a ~~ 4023 J1112EL YOtlM6 ~ M~nr il+Y fllOtF dl ~ t uA~s Ol17GG Dall# ~TT~~ .~oSDoO ~4 K 2 313 7 26 4 ic: 0 9 21705 6~S tr4~r0000U t 25 4 2~' 921705662 # 4023 09/16/10 $215.91 ~ ~ ~ 4036 +~+~ ~u ~ cwoc.~w. ,~ rue /r! ~ ~..~a.. ~ ~-- - --- 20. tsv ~ . Sv~gn BenK '~?.~~ . 07 -mss ~ ~L3 ~ - - - -- - - -:23i3TaG9tC ogZizo5cs2r~.a2L 921705662 # 4026 09/22/1 U $1U.UU 921705662 # 4025 09/27!10 $772.83 lH 4 W7[A DR. 1[~ N 1'1JN.6LYJ ~~~ f~ 1, rAYiVPN E`1 .~ -) ~ - - ~ S 113. OL a... { i t _ ~~~_ 66kilt3~i ~ ~+ ~a3aa~a69cc a9al~asl:~~~aa~ 921705662 # 4027 09/22/10 $40.00 a aoe~erwau~oa ,,.,m,. 4ozs RU ~DKR7~17R ~~ /~•~T~ ;o ~ ~ Q,.c a ~ i ~ ~ Vet 'a Me.~,,, a~,v , `~ '.'.'S" ilutai ' _._ Js ~3 ~!fl. _.... ~+ ~a~i~32s~~+z Qgzi~o5s~r+soT_._. - - 921705662 # 4028 09/20/10 $53.51' page 4 of S 921705662 "f ~i ,tfe ~ 4DZ6 .i w~aaaa~ ~ ciawaa rreaw ~ rw~ns~ Lei-'~I ~~~ t ~ ~• ~g. . . es • ~ ~~ _ ~ r ~ -~..... 'a ..~ lbd~0~ ,r ~~~1.~T2~4tr 04tt4D3br-~+~DZ 921705662 # 4029 10/04/10 $6.83 ~ y ~ 4033 ,s.woiv,.,m ~ A aaw n +7~ cwa 'r r ~' ,~.-- R.....~ -.-. ~~-~ ~~,~ 1Z3L3?259IK 09~Ft4U5662d'~3~ _w 921705662 # 4033 10!06/10 $5.08 page 5 of S Statement Period 09/10/10 TO 10!11110 ^,~'~ x~o ~ .-..rte. ~ 403D ,a ux~a " d /~,/ rs wa+~rr war~eo rrs ! f ~ ~~ ~O ~ ~~'~ . n 'J n . M1 rR m ~ C23i3R2S914 4~~L7D5br.~'4Q 921705662 # 4030 10/04/10 $84.14 ~ - " noe[aer fouNO .++~a.v d D3~4 ~ raue-o amw~o +s~ranrew ~ /~- ra cwneq rw Rucsas ~ /?O ' ~ rT ~~!&s ~~~ Ra«r4 ~ ~Z~3t~?~L9is: D9~170566t-+~034 921705662 # 4034 10/05/10 $96.80 921705662 1.J' t I5 ~gy~ ~ ~ ,gy E{ t i.' i Santander Strong--- Sovereign is part of Santander, "Global Bank of the Year."* Statement Period 10112/10 TO 11/09/10 SOVEREIGN INTEREST CHECKING ~ooooo 0 ROBERT L YOUNG AND HAZEL M YOUNG LIVING TR HAZEL M YOUNG TRUSTEE ROBERT L YOUNG TRUSTEE 124 N ENOLA DR ENOLA PA 17025-2520 For your convenience our Customer Contact Center is available from 7 am - 8 pm EST, 7 days a week. Call us at 1-877-SOV-BANK (1-877-768-2265). Hearing impaired may call 1-800-428-9121 (TTY/TDD). www. sovereignbank. com 0000 70090 900012337 A 5~v5~rereian Fle,~cLock Home Equit+~r Lure ~~ Creait is trhe smart ,,h~a~t to barrov~r mrney, Arad Cara give yc~u acce~.s to creGit ~~n~hera you need it, ~ yoke r it, I`~otiv i~ a great time to take ac,~vantat~e cif ar~r fi~rtit~-time r~t~r'spials t~+ailabi~ tl-rr-e~~gh C?ecember 11, 2[110. • Disco~aE7ted rate v~~r~ DES use autar~t~lzic ~ayr~~r~t fra~;a ~rur Scve~eigr checkir~g a(:~~Earat * Interest rray ~ t,~c d~~~ble* ~` • Cllcice cif re~~ferrt planis iractudir.~ a Fixed-~t,e. Lock Opt.ara Tc~ fEr4d out rnc~, seep by arty Sa~gn 8rasach o~ call 1.8X.50{,~~AI~IK toda~i 9;)K~r ~,s[sri•~li>31tsrra~~..~a.l:n;.ire sp~s~v+rnl+t;maY~l7na rycili~.xr+f,.?w,3xt+.^.,.~~t17=sv nx [cue l; rrrtta, trt.Nrw..•~~••s~v~7•y+n asP qtu t.-d*g ~'1x`~rasr- ry 1-F t° ;.3t 1."~Yi.'tkt ,.;.w is "~1114{R'+'.'I L+"by!=.7'+?'S ~.-`,i!!'~.Gh~S.ly'i(SrS•a~+`H~ryp: te.•d t1 r: C'3.. ..r:..$r:t ''=t:;d ~r an }tier?2M T+~`.ix. ,:_ - . ~ q.~ tNw ~ - ~ ~ C~efend yaurseli= agar:~st Ide~rttty tah~eft v~rrt,~a Savererr~n I~centlt~;~ra"~ectc~r.~°`t ThES a*u ~~~ poy~rerful suite cif services and ~raei=lt5 hers fOE9 detect, prevertt, nterct and -- ~ ± res~lve identity t3heft issues arad gives yarJ tt~re ~~ace of mind cf kna'~vnt~ ~u ha~re ~ - ~. ~~~# the pr+otectiora yt~u need. '~ ~ ~. ,. Tc~ find aut r~~are, visit sover~t~nb~rgk.~a~cferlt~typrotector ~.~ .~" i{Ji il[j~ 4t%: - ~'~aathae~ +~iear is con-airg to era end. Pdr~rtr is the perfect time to set up a mrag with your deidicated Fkraar-r~al ~onsultanR r ~ _ ~ r ~ ~ t acre t7 malcQ 5a3re that ~~ur Iccated at 5c~ve.ei n 8arrk arad ensure o~lr Ian still ~r,akc~ serr~. Our ~rtaf~s55oraals are h hard-earned mt~r~e~~ is staff v+~rkir~g hard fi~~° ~•ou~. t~ra't let t~ris yeasty c~rtunit~ pass a l~l. Se :>ure t€~ sch~fule yckur ap~e+intmerrt today grad let us help yatE rraake the mgt oaf your money. Ta lear;~ mare about Iraves#rraerat Sertrices at Sc~vereic~rE $arak, please c+,rrtact your local ranch l:narac~al ~an5;.~ltardt car :ti5rc saverergrtbarak:cral-~r~. '.+::-.ti... ,w ,at-~.r! .~rc:.z'!.!•~; ,rvlr+rYr;reyrun. :ccr tr rtYHr+e'f r~. ~-yd~~ze n 1 -+~2 `1. r t. _r.~ .;rat ..r+- ~r c'. r t-..r Y:. -. 9 a'.i-n N ,. 3..;iY~ r'r.-.rz-J: ~MLtT ~, DEPr/-'~r''! { t1L~T €'SiC ICJ53~R"'% j i~Ji'i t„+~',?A;yE ; "~:~.: ~,II+FESfv-~.E,G RY TFiF F'.~'1E~ 3 ~is7T Ito r' .~ Cr.S1se F~yEF-~ !~C.f ~f;'~.c`"~iiT.L i •~ ~=7[i r~.',r.. Sovereign Bank is a Member FDIC and a wholry ovmed subsidiary of Banco Santander, S.A ~ Sovereign and ds logo and Santander and its 921705662 pQg2 1 Of .3 logo are registered trademarks of Sovereign Bank and Santander, respectively, or their affiliates or subsidiaries in the United States and othu ,•o,,, countries. 'According to The Banker, December, 2009. ROBERT L YOUNG AND HAZEL M YOUNG LIVING TR HAZEL M YOUNG TRUSTEE ROBERT L YOUNG TRUSTEE Account # 929 705662 Balances __ - _ . _ _ - __ __ _ _ - - Beginning Balance $72,849.68 Cun'ent Balance $70,716J14 Deposits/Credits + $1,354.57 Average Daily Balance $71,654.82 Withdrawals/Debits `- $3,488.11 - Interest :Paid this Period * $ 0.57 Annual Percentage Yield Earned 0.01 Earned this Period $ 0.57 Paid Last Year $0.70 Paid Year-To-Date. $ 1.97 'The interest earned and the interest paid may differ depending on when interest is credited to your account. Service Fees -Itemized Date # Transactions Fee Total MONTHLY MAINTENANCE FEE 11!09/10 1 10.00 10.00 DIRECT DEPOSIT DISCOUNT 11/09/10 1 -10.00 - $10.00 Total $0.00 Checks Posted Check # Date Paid Amount Reference E4036 10/12 $400 00 Kohls Chg E4037 10/26 $367 07 VZ WIRELES 4038 10126 $125.22 992944900 5 Check(s) Posted = $3,454.11 An asterisk (*) indicates a skip in sequential check numbers Account Activity Date Description Check # Date Paid Amount Reference 4039 10/22 $191.82 622371540 4040 11/01 $2 370.00 62392Tt50 An (E) indicates check was converted to an electronic item. Additions Subtractions Balance 10-12 Beginning Balance $72,849.68 10-12 Kohls Chg Pmt Check PMT 4036 $400.00 $72,449.68 10-22 CHECK 4039 $191.82 $72,257.86 10-26 VZ 1NIRELESS ARC ARC 1:01025 403? $367.07 $71,890.79 10-26 CHECK 4038 $125.22 $71,765.57 11-01 CHECK 4040. $2,370.00 $69;395.57 11-03 US TREASURY 303 SOC SEC 110310 $1,354.00 $70,749.57 A SSA 1 t-05 UNITED INSURANCE PREMIUM 0229627771 $34:00. $70,715.57 11-09 INTEREST CREDIT $0.57 $70 716.14 11-09 Ending Balance , $70,716.14 page 2 of 3 921705662 IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMER SERVICE CENTER AT THE NUMBER SHOWN ON THE TOP OF YOUR STATEMENT OR WRITE TO THE BANK FOR DEBIT CARD ISSUES: Sovereign Bank Attn: Card Disputes Team MA1 MB3 02 OS P.O. Box 831002 Boston MA 02283-1002 FOR ALL OTHER ISSUES: Sovereign Bank Attn: Client Relations 10-421-CR 1 P.O. BOX 12646 READING, PA 19612-2646 Please contact us if you think yow statement or receipt is wrong or if you need additional information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error appeared. • Tell us your name and account number. • Describe the error or the transfer that you are unswe about and explain as clearly as you can why • Tell us the dollar amount of the suspected error. you believe there is an error or why you need further information. If you tell us orally, we may require you to send your complaint or question in writing within 10 business days. We will promptly investigate the matter and call or write to you with an answer within 10 business days (10 calendar dayys in Massachusetts). If we need more time, we may take up to 45 days to investigate yow complaint or question. If we do, we will credit yow account within this 10-day period for the amount you think is in error, so you will have the use of the money during the time it takes us to complete ow investigation. If we ask you to put yow complaint or question in wasting and we do not receive it within 10 business days, we may choose not to credit yow account. For errors involvingg new accounts, point of sale pwchases or foreign transactions, we may take up to 90 days to investigate yow complaint or question. For new accounts, we may take up to 20 business days to credit yow account for the amount you think is in error. We will tell you the results of ow investigation within 3 business days after completing ow investigation. If we decide there was no error, we will send you a written explanation. You may ask for copies of the documents we used in ow investigation. Important information about your Sovereign Debit Card The networks through which some of yow Sovereign Debit Card pwchases are processed have begun allowing merchants to process yow pwchases without either a signatwe or a PIN. If you are not required to enter yow PIN when you make a pwchase, yow pwchase may be processed either through the Visa network or through the STAR or NYCE networks. If your pwchase is processed through STAR or NYCE, different terms apply and you will not be eligible for the rights and protections available through Visa. Please see yow Personal Deposit Account Agreement for more information. eo~ati`raa~a g.,~,.~, 443 y MS}ki.A GA M [.~ ~, ~.m,~.,-r r-- ~ ~.~,,.- ;49os~reigx~ A~ # a ~` ,S 2~ ~z~r 2 921705662 # 4038 10/26/10 $125.22 ++aaerr v~ouNa ~,,,.~„ a 0A ~ r}a. 4 G5101A OA .~. M l1Q3:2N uo -~,~n~+a 1~,2Ex?}~x;4as~-~~ec¢._h.n~~e~_3ee~¢~-_~r~4a~ aa~~ens ~ :. .,_ 6rn~~[t i ~:d3ii726R1~: ^92170566~~iOS[7 .~'Q~7bR23~~€7~#,rt 921705662 # 4040 11 !01 /10 $2, 3IO.OU page 3 of 3 we5e~irr xout~ ~,r„~,. ,; 40 3 3 fiJ F tK(3{.S ~ f/ ~+"' QQ~'1~ D~11~ ~4 ~~ ~~` ~ +;~1137~6g3+: b92~705GG~N4t1~4 1Qt7t]OQ19L8?;l 921705662 # 4039 10/22/10 $191.82 921705662 ~~ b t ) ~ ~ a . Santander Strong--- Sovereign is part of Santander, "Global Bank of the Year."* Statement Period 11/10/10 TO 12/09/10 SOVEREIGN INTEREST CHECKING For your convenience our Customer Contact Center - ~ ~ ' is available from 7 am - 8 pm EST, 7 days a week. Call us at 1-877-SOV-BANK (1-877-768-2265). Hearing impaired may call 1-800-428-9121 (TTY/TDD). looooo o www.sovereignbank.com ROBERT L YOUNG AND HAZEL M - . YOUNG LIVING TR HAZEL M YOUNG TRUSTEE o 0 0 0 ROBERT L YOUNG TRUSTEE ~ ~ ° 09 124 N ENOLA DR ~ ~ ~U~~ 900012337 ENOLA PA 17025-2520 Sovereign Bank ie ~ ~ Fotc and ~ oanee ~~ or Banco sanbndu. SA ~ swereipn and ~ bpo and sanbnaer and rtc 921705662 Page 1 Of 4 ~ bgo are regroteren [radunarks of Sarerepn Bank and Sarvander, respecvvey, w n,ek at6iates a suCSidrarfes in the United Stases and other ,,._ courw;es •Accordirw to n,e 8ar>aaer, DecernCri, zoos. ~~ ROBERT L YOUNG AND HAZEL M ~ ~ Account # 921705662 YOUNG L/V/NG TR HAZEL M YOUNG TRUSTEE ROBERT L YOUNG TRUSTEE Balances B~gmning Balance" ~ _ . . _ :. $ZOJ716 -~4 Current Balance "~ $32;(174;97 Deposits/Credds + $0,50 Average Daily Balance ~ ~ $60,305.90 `1~lthdrawals/Debits ~ - - $38;6416X:° ; r E :.~ Interest Paid;this Penoct' _~ ` - r-$ 0;50': Annual Percentage Yield Earned -~A Oi1% - Eamed this Period $ 0.50 Paid Last Year ~ $0.70 =PaidYear To-Daie ~ - _ X247- _ _ - - 'The interest earned and the interest paid may differ depending on when interest is credited to your account. Service Fees - lterniZed Date # Transactions Fee Total .. .. ..: .,r. .~MONTHLY`MAINT.ENAMCE FEE- -=12/09/10 - 1~` ~ 1ET`00 F=s .` $10`OU~ FEES WANED 12/09/10 1 -10.00 - $10.00 Total. $0.00 Checks Posted . Check ~ Date Paid Amount Reference .<=40Z~1:_ _ ~:.11/~5' `-_ ~ .:$3 33 ~ .'='9Z3657a45 - .4072 11/17 $10 72 974968375 -f4073 = `> ~ FY 11/:17 - ~ -~ ``:;` $]$ 00 ~'+995392090 E4074 11/15 $200 00 Kohls Chg `4075:: } .'"~;i 1/`1.55=` ~ -'~33 s8~ '' '=373898020 ; E4076 11/16 $3 377 07 GM CARD 2 ;;40`Z7` ' t.~' f 1!1'5 3 ~ $12 20 '~ ~ 986228745. 4078 11/17 $7 88 975045685^ 4079: ."-'11/27':= '_ $2800 _ ~=995486575 4080 11/16 $10.55 994884525 20 Check(s) Posted = $38,607.67 Check # Date Paid Amount Reference ,'.4081 ~== '~.ta~1.1.6 .` ,~ '$5 08 . ~~= x 9869E~7525'~ E4082 11!16 $3 240 49 MEMBERS 1S :.408`3 ' ; '11718 .. ~. ~, x:,$75 00 "..~s~`~~9~532~646 =~. 4084 11/18 $3 000 00 975163820 E408"5 -. _ . .: ~ :' 1:1 /2~2 '" ~$3Z4.33 :'` !FC'VNtRE~ES' 4086 12/08 4 $162.10 971427880 :`:4087 _ :7:2/08 , _ `' -$339 94 : ` ~ t=»~99~8'l~~'435 E4088 ~ 12107 $7403 00 GM CARD 2 "'4089 ~:= ~C12/08 _~19 OOQ 00 _ = ~.8~1'7~F11~70~~ 4090 12108 $10 000.00 971256410 An asterisk (`) indicates a skip in sequential check numbers. An (E) indicates check was converted to an electronic item. Account Activity Date Description Additions .Subtractions Balance 11 10 Beginning Balance $70 716.14 _ ~11 1r5 :_~ Cl-IEGK ~ ~°, ;? 4075 :~~ - - = s ` $~3.~9;98 ~ kt~'70k3'76 16„_ ~ 11 15 Kohls Chg Pmt Check PMT 4074 $200.00 r ~ $70,176.16 - =11 1.5' CHEEK ~. ~U'F7fi ' -~ ~ ._ ~ - _ F$12.20~t :- - - '~ -~ ~:~ZO;`t63.96 11 15 CHECK 4071 ~.~,~ c D o $3.33 $70,160.63 11-16 MEMBERS Page 2 of 4 , 921705662 Account Activity (Cont. for Acct# 921705662) Date 12-06 Description i • UNITED INSURANCE PREMIUM 0229627771 Additions Subtractions ~ $34.00 Balance $59,979.51 12-07 ::~M EiARD 2: CHECKPPRYMT :1.01'207: 4088 _ - ~ ;$7,403 00 " $52,576 5t 12-08 CHECK 4090 u ~ $10,000.00 $42,576.51 17=Q8 CHECK ,` ;4089 . 'q'-~ _~~~~ =: _ - x$40 ti7Q~ 00 ~ _: ,$32,57Ei 51: 12-08~ CHECK 4087 Qp,` - $339.94 $32,236.57 12-08 r~~HEC1C ;~ 4Q86 :: ~ ;,~Lc„b ~ ~ _: -: r °: ='~ - - - $'162:~t~ = ;':_$32,074 4T. 12-09 INTEREST CREDIT $0.50 $32,074.97 12-09 Ending Balance $32,074.97 IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMER SERVICE CENTER AT THE NUMBER SHOWN ON THE TOP OF YOUR STATEMENT OR WRITE TO THE BANK FOR DEBIT CARD ISSUES: FOR ALL OTHER ISSUES: Sovereign Bank Sovereign Bank Attn: Card Dispputes Team Attn: Client Re}ations MA1 MB3 02 OS 10-421-CRl P.O. Box 831002 P.O. BOX 12646 Boston MA 02283-1002 READING, PA 19612-2646 Please contact us if you think your statement or receipt is wrong or if you need additional information about a transfer on the statement or receipt. We must hear from you no !acct than 60 days after we sent you the FIRST statement on whrch the error appeared • Tell us your name and account number. • Describe the error or the transfer that you are unsure about and explain as clearly as you can why • Tell us the dollar amount of the suspected error. you believe there is an error or why you need further information If you tell us orally, we may require you to send your complaint or question in writing within 10 business days. We will promptly investigate the matter and call or write to you with an answer within 10 business days (30 calendar dayys in Massachusetts). If we need more time, we may take up to 45 days to investigate your complaint or question. If we do, we will credit your account wrthin this 10-day period for the amount you think is in error, so you wrll have the use of the money during the tune rt takes us to complete our invesngation_ If we ask you to put your complaint or question rn wrrting and we do not receive it within 10 business days, we may choose not to credit your account. For errors involvingg new accounts, point of sale purchases or foreign transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error- We will tell you the results of our investigation within 3 business days after completing our investigation. If we decide there was no error, we will send you a written explanation You may ask for copies of the documents we used in our mvestigaLon. Important information about your Sovereign Debit Card The networks through which some of your Sovereign Debit Card purchases are processed have begun allowing merchants to process your purchases without either a signature or a PIN- If you are not required to enter your PIN when you make a purchase, your ppurchase may be processed either through the Visa network or through the STAR or NYCE networks. If your purchase is processed through STAR or NYCE, different terms apply and you will not be eligible for the rights and protections available through Visa. Please see your Personal Deposit Account Agreement for more information . ~-o ~ 641?1 G~lOti~-M ~tFRBP ~l~~L - ~ I rr= .(~~ ~ r.e.. lit ~:23tifiB64i-t 092i?05662riU7 921705662 # 4071 11 /15/10 $3.33 ~ ~~ 4D7$ - p.RC~lQplrt 1?Q~ /%1 ^TCii~ ~0./~ Y ~~ ~- -soiLraa (d :=.: "~ ~~ ~ K23i372$91*: Q42i9{3S6b~+4D~; 921705662 #4073 11/17/10 $18.00 r page 3 of 4 ~~ ~ d4]T2 ~.' ,' w-w+i 8 - ~ .-;_ . ~~ ~ ~ -:23i37t692-: tt`1~ti~565d+'+.DZZ'IDDD000i0t~r' 921705662 # 4072 11 /17/10 $7 0. tL . i i-aeEr+r,rota.F r.,,,,p, 4t)T 5 Ni178 YObNQ ~R if. r 0y0tF Ep e~ou. -~ . ws. ~ L ~~ f7D ~,.,,~ ,d _~~. _ ._...___--=s 3"39-~a }-~-- ~~ ~5ov4•s~gu Barz1C ~:23L372S91-: Dg217D5662r60T~~D7133R98/ 921705662 # 4075 11/15/10 $339.98 921705662 ~7 PDERTY'(riiNe ~ - a07T - i+A~ its ai 6w[RA W MTAM _ s~ ~.Zd tl ~ I~ ~~~~.BAah' ':2313?2C9Li. 0921?Q5662r40 4 921 /05662 ~ 4077 11/15/10 $12.20 +..~LR .~07>~ ,i. » ~FFi0t1 C~ - P. ~ Bing f +:Z3f392G94~ D9?L?~4~CG2+~07q ' -- 921705662 # 4079 11/17/10 $28.00 ~~i Nom, 4082 ,a» tea. BOLA M 170ZSID~0 - ~ _ Ov[~ ~ d 1 ~ K t $~a~ ;.=~avr~3gn B3a>i L:23L3?tC'41-; b921705bG2r4L5B 921705662 # 4081 11/16!10 $5.08 aQB+t _ x~ei.r q~Mii~Q4n PK ~'8~irdgn H~ _ K~333't2C9i>C O92i~QSGG2~r408 ~Ll 1UbEi62 # 4084 .11118/10 $3,000.00 ~. agar ,~... Q+LZ„ a. BroLA rA T~oassra - ~~ _ 'f 1~+. ~+~.a d,1~ow ~~r•'«s_------aasu.-. fug c`~F.`_- i' 3avereign Banff i ~.o-tip ~..l~ ~ ~''~-' +: 23 13 7 2641+: Og2i?05BC2>r4f3$? 10000033994: 921705662 # 4087 12/08/10 $339.94 ,we~rrr vols+c u~-~omc a Qs o ~~~ 13~ M 81pA ON. @K1LA H1 77Qiyi,'Ap Oiq ~4vereig~Ct Bang ~:23L3?269L~: ^42L70566t+~4O9[3 ' ~~-_.' ~~~ iu566z # 4090 12/08110 $10,000.00 r y page 4 of 4 - Statement Period 11/10!10 TO 12/09/10 aoa+~wt rounc ,~,;,,~ 3 p7 $ -~ a~ a,a,P,,, //}}~o:nw w- i+sase~ss}o~ r~ ~~ ~d ~Ifl ~~~ ~23i3'?t64iM, Oaei7'DST~Ci+4937ODt~TBal 921705662 #4078 11 /17/10 $7.88 ~e d084 r. ~ oou. m. ~'~"~ ew+~-v i~ R~ A /d + ~ V1iW.-~ ~ L7 4 ~ga Ba~K ~~ ~' - ~. x2333?26.41.~093st705b6~'~d ` 921705662 # 4080 11/16/10 $10.55 e _ .: _ .... aorr~miwlA.a ..... _.. -- tOS3.. . _ . M~ ru~r.a ... - _ = ._._. --.1MN OKRA DII .~-,~~~~•e•--••~-- r:~ - ~~7/GUIM 17ffiS21Z` s ~~ ~Q A-a.G+sa i4 ~ - ~ ~ °'a ~ ~: ~~ ~ ~:~3L37a~t4i~ OatL70~GG2r+ t3 921705662 # 4083 11 /18/10 $75.00 ~ ,~ rawnee ~ +~10 B 6 n.+r v~oM oR `~~" o+rar.+w umsa~e ~p ~ ~ ~~ B'>ftlif; *_ t 313 7 ~'6 4 i~ O R 21?~II 566 ~r40$ OOQ0816 2 iDi 921705662 # 4086 12/08/10 $162.10 ~. anus . u+~e.c1,.oF. ~aww ~, miseao ~~,+~. ~,~-o d; ~~,, +~ oR ~+ i $ _ t•~- ~jv-7o. v, i~ ! . c~~~...~ 2 313 7 2GTl u: O~i 2 i ~fl2 5 66 2Lr408'~~ 921705662 # 4089 12/08/10. $10,000.00 921705662 ,` r Santander Strong--- Sovereign is part of Santander, "Global Bank of the Year."' • Statement Period 12/10/10 TO 01/09/11 SOVEREIGN INTEREST CHECKING . ~. ~ ~ For your convenience our Customer Contact Center - is available from 7 am - ~ pm EST, 7 days a week Call us at 1-877-SOV-BANK (1-877-768-2265). Hearing impaired may call 1-800-428-9121 (TTY/TDD). looooa o ROBERT L YOUNG AND HAZEL M www.sovereignbank.com YOUNG UVING TR HAZEL M YOUNG TRUSTEE t o 0 0 ROBERT L YOUNG TRUSTEE ~~'`-• ~ ~ . ~ ~ s o9 0 124. N ENOLA DR - 9ooon33~ ENOLA PA 17025-2520 ~~o ~~ock in one of those great guaranteed rates, calf '~.87~a~~68.~~~. 'Itf~tc~n 8t;7aptd'jSl7d~nd artuu~rrsn dt~it~ x:499 a~ ep~ n CD and mains 7Y ~nu~1~r~F f+d~tRAY'.~ is~orin ~r.•+c r4 Dar~-ie#baut~r~r3icx essgrridrirarai f~amu CD.APri.:~iQCSac ~~177,QG~10a~xtaes~t,',~t~dt~af~.sthJiltl..R3lgtsedel[lfort'euCAetztxs'CSSt7KrQ'.SB~aeers~Ot~ngu~~r~e~x.~y~31,20)lint:sa~SSSP~e-tytY~tv+~r~DC~fa_ ttartWw The ~to+Ce .~s ~ovrs! Opt in and be tov~retl by ~wereiglti. Acc~n~ Prr~ote~to~". and you"91 authorize us ter pay ATN! and one-time point-off-sale deft transactigns the would cause an oa~erdra#t orgy dour ~ccou~t and charge a fee. C~, apply for an ~Y Access Lime ~o~f Ered~ and get the convenience of auiornatic overdraft protection for y~o~ur checkirx~ account and the fl~exibility+ to-have instant access to funds from the line of credit whene~r you need it. Relax... we've got you coveredE To select ove~dtaft ~~rera~e, please stogy ~ a brar~c~, visit s~r~rei+gt~E~nko~~ pr tall 1.877.768.2~~5. "TFxre ~ nog.~~atee-4i ~trs2ahs ~~ t~4 Err Bielxrk ~ttu~ rtt~.st r~,.3/a~~e!dtuttsur+~er~tt~. Ar~~ ~ ~L ~:t iia]~tp frf axh ixt+ d-st c~miaYS yQr amr[ an~>a S5 kg~er dTj•~ yc~ x~uert i~~satin rn~ trait 5 tzarr~s mfr Sovu~pn Bartle ie a Membu FDIC and a who0y owned su0sidiary of Banco Santander, S.A ~ Sovert~+ and is lope and SarMarrler and iCS - ' page 1 of 3 ~- ~ are repietered trademarks of sarereipn Bank and Santander. ~eapectivey, o. n,etr attdiates o< ~ ~ rt,e untred sdc~ and omer 921705662 „r countrtes. 'nccordnp m me eankef Decemtxf, ~. ~~ ROBERT L YOUNG AND ~fAZEL M ~ ~ . ACCOUnf # 921705662 YOUNG LIVING TR ~ ~ . HAZEL M YOUNG TRUSTEE _ . ROBERT L YOUNG TRUSTEE ~ ~ " Balances . 'Beginning f3alance =~~ - ,? .$32;074- 97 - = CuRent Balance ~ - - - $ZET;7~$ ~T Deposds/Credits ~ + $0.21 Average Daily Balance $24,637.99 ~VUdhdrawals/Qebits' _ .: - . Interest 'Paid~this Period ` `~- _ - - $ 0 21;: , . - . ~ Annual PercentageYietd Earced _ - =a Ct1°la~ Eamed this Period $ 0.21 Paid Last Year- , $2,47 >Paid=bear Ta-0ate ~ ~ ~~~~~ r~~ ` _ 'F ~ _~ 0 2i: ~ _ _. "The interest earned and the interest paid may differ depending on when interest is credited to your account. Service Fees - IterniZed Date # Transactions Fee Totai MOt~ITHEYNtAINTENAtJCE FEE .. ~~~_ d ~. ~: ` `0'807/t1 ~ T' 10~,tJ0" l '--" $~~00 FEES WANED 01/07/11 1 -10.00 -$10.00 - Total $0.00 Checks Posted Check ~ Date Paid _ Amount Reference Check # Date Paid Amount ~ Reference ;=.4091. `:~ - ; ~<?2/23-~ ~ ~. ~,$6~5 9'T .~ ~~~- F<3749:fifi~90' -`-x093 ..-_ ., 12/27` `: j . ;~ :~.=~-$641:.33 _ ._ 995'~2ZQ15^: 4092 12/20 $10.000.00 973851765 3 Check(s) Posted = 51.1,267.30 An asterisk (') indicates a skip in sequential check numbers. An (E) indicates check was converted to an electronic item. Account Activity.. - Date .Description Additions Subtractions Balance 12 10 Beginning Balance $32,074.97 i~1216'->MELLONMRISBENEF~LGOV`13~7.5f0 ';- ,. ~, _ ~ . ~ - - - ~; ~ _ ,. , ~~ -- - _ _ - $5:21 - ~ $x32,069:76 '; 867561351 - ~ _... 12-20 CHECK 4082 G„~ ~ ~ 1~ $10,000.00 $22,069.76 _12 23, CHECK_ 4Q3~3`: .-~ `~~es,r °~~v~~ta~o+:~i-.: r~~.r,0.' r -- r= ~ $625'97 - - ~$21;Y#d3'79'~ 12 27 CHECK 4093 "~"~ A . ~~~G $641.33 $20,802 46 01 05 : UN1T~D )NSURANCE RREI~r1)tlA~ 02 . _ 27771, _ _ _ $34 00 ~ '$2tT,7ti$46 01-07 INTEREST CREDIT $0.21 $20,768.67 01-09 Ending Balance $20,768.67 921705662 IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONICTRANSFERS - CALL YOUR CUSTOMER SERVICE CENTER AT THE NUM)3ER SHAWN ON THE TOP OF YOUR STATEMENT OR WRITE TO THE BANK y FOR DEBIT CARD ISSUES: FOR ALL OTT-IER ISSUES: Sovereign Bank Sovereign Bank Attn: Card Disputes Team Attn: Client Relations MAl MB3 02 OS 10-421-CRl - P.O. Box 831002 - P.O. BOX 12646 Boston MA 02283-1002 READING, PA 14612-2646 Please contact us if you think your statement or receippt rs wzong or if you need additional information about a transfer on the statement or receipt We must hear from you no later than 60 day s after we sent you the FIRST statement on which the error appeared. ~ Tell to your name and account number. ~ Descnbe the error or the transfer that you are unsure about and explain as clearly as you can why ~ Te11 us the dollar amount of the suspected error_ -you believe there is an error or why you need further information. If you tell us orally, we may require you to send your complaint or question in writing within 10 business days. We will promptly investigate the matter and call or write to you with an answer within 10 business days (10 calendar days in Massachusetts). If we need more time, we may take up to 45 days to investigate your complaint or question If we do, we will credit your account within this 2 D-day period for the amount you think is in error, so you will have the use of the money during the time n takes us to complete our invesugauon. If we ask you to put your complaint or question rn venting and we do not receive it within 10 business days, we may choose not to credit your account. For errors involving new accounts, point of sale purchases or foreign transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to ~0 business days to credrt your account for the amount you think is in error_ ' We will tell you the results of our investigation within 3 business days after completing our investigation If we decide there was no error, we wilt send you a written explanation. You may ask for copies of the documents we used in our invesugauon_ Important fnfonnation about your Sovereign Debit Card The networks through which some of your Sovereign Debit Card purchases are processed have begun allowing merchants to process your purchases without either a signature or a PIN. If you are not required to enter your PIN when you make a purchase, your ppurchase may be processed either through the Visa network or through the STAR or NYCE networks_ If your purchase is processed through STAR or NYCE, different terms apply and you will not be eligible for the rights and protections available through Visa Please see your Personal Deposit Account Agreement for more informauon. ~ ~t19Z L~ro ~ ~, :. RtR w i~R01t V~ ~i B~\!'IR ~°?F4!tir J + ~\ l.. _ '~ Bch r~ lr'~~- 7 t > ~'yp*yatl B ~... E~;~~_° €.~lgrt $a~Jir; w rr ~ . r ~:23~3Y~t;9A~: Qg2~TD56tai:r4~09 921705662 # 4091 12/23/10 $625.97 ~~ ans3 ~«~.~. t ~~~~ ~ .~ ~ ~:23L~92GglK D4ZLTOSS6~rt,© ~ ~ . 921705662 # 4093 12/27/10 $641.33 t .page 3 of 3 woeaar;rtwu~ ;,;,~,,., 4Q~ fl -uzp, ro+w-a gym.. ti:~~oR m.n~.-a t7aaa~ ~ re[ ~i.. ~~~ ~ i~,T~ r 3,A~pao . ~ 7r~4~r013~M~~ ~li./r'~. TV{U IRS ~w~ ~ .. ~t~~972i4I+~ D'iP~7Q5~S2r~D92 921705662 # 4092- 12/20/10 $10,000.00 1 9217QS662 ( r~- ~._ ' ~ ~ ~ Santander Strong--- Sovereign is part of aantander, "Global Bank of the Year."* - Statement Period 01110/11 TO 02!09/11 SOVEREIGN INTEREST CHECKING T For your convenience our Customer Contact Canter _ ~ is available from 7 am - 8 pm EST, 7 days a week. Call us at i-877-SOV-BANK (1-877-768-2265). Hearing impaired may call 1-800-428-9121.(TTYlTDD). ~ooooo o www.sovereignbank.com ROBERT L YOUNG AND HAZEL M YOUNG LIVING TR HAZEL M YOUNG TRUSTEE _ 0 0 0 0 ROBERT L YOUNG TRUSTEE - ~ 7 s o9 0 124 N ENOL/~ DR _ ~c`'~ 900012337 ENOLA PA 17025-2520. ~'`.~~~~4~~~~~ FeE~ary ~1 ~ ~e~dersd5 U~ay, but ~t 54nier~~-~, vu+e're r~e'eE~rraEing ail rr~r±th loiZg~ Get a gre,-t rdt~ 4~? an }~Cba ~_ ~.. ' ~ Lawn and enjoy fiexits~e ar3d convenient Loan terms. i'Ius, het an edtlit'rartcal rate ctiscazsrit;~rhen you open or .. - - _~ fiaa+re a Saveseign cttedkung account and sign ~ for automatic parymer~t from Sover~n checking account. Celebrate Presi~rttS Gay today': Slop by a SoVe~k~n Branch. call '1.83~.SD1~.BAAIK i~1.~B77.7~8.2Zb5~ or vet to onGr~e ~t ~o~+-en'ignbankcQmletiat~ to ~Rphf ~ i ~.~Y;> ;~~ Nurryr Mare the celebratiar- is oa,~er? ~atce ad`~r~tage aF a great! bw rats vn a H®tne F.t~rimt Line of Credit exdu~ty tar Scuereigr- checking cus~tomec~ s they ~tK payrner~ f~tn that accok~tt A~artwaytribarro~vvu~n you newt rrtoneyta mnsdidatP dew irnprowe }our harrreor make ary t4rge pu~h,ase. Unfdue Some other forms of f~ancfcrg, the interest you payr may be tax deductible.* Apply in per5ony by phi or onii~e tndayl St,~ by a Sov~relgn Bran, call 1.877.S~W.t3AMK (1.77.768.22653, or u'<~c us at sovereignbankcom/~ines. You v,;Qrtc hard trz get whit yap gave, br~i vritlrout the rsght sateg~aards. ~~ tt~in~ you own coutr3 be at risk.. So doesn't ii +nake sense do protec4 Y'~ t~~RY from urted circumstances? vtte thintc 50. Tt2at's ~~lhy~through o~rr alCra~ce with Ut~ty A+lutiua~-we rn~ke arable e~tytf~in~ from HomeoMVnerS, Condo atxl Reot~rs Imuran~ to Auk $~ h'E~rcycte in~rance .arm FersDnal tiaEiitit~r i~rc~tec#iQSt. Cat tl^~e ~iz€~! pcotectiarc ycx, need. Stop ~ a 5~~n grarx#~, catE 1.877`SUY.BdANK {'t.$77.7+65~2,265j, ar v~it us at s~aver~zamJpro~ecttng. Alt3Y A Di4P05tT ~ NOT irt3K INSURF]D ` ' {~D BY T BANK ~ NOT INSURED BY AN'Y GOVAt:NT A[~EM~:Y G.-er~yn bxK.+~cfn xE a+~+.'!t pi tC1sb' s+wa1 i~+rnsnor i~+aF ms ~rGt~u ~rkn x~. -]~Mit~~ . ~ Sovereign Bank is a AAe+nDer FDIC and a `~bfl owned euDsidary of Banco Santander, SA ~ Swuegn and ils bpo and SatXander and its page 1 Of 3 ~ logo are registered tradanana of sovereign Bank and saniarW er. resPective-/. or tneir'affirlaces or subsdiarSee in the united SUtrs and ottw ,,,,. countries. 'nce«dirq eo me 9anker DecernDer, 2009. 921705662 l^~d ROBERT L YOUNG AND HAZEL M ~ ~ Account # 921705662 YOUNG LIVING TR ~ - HAZEL MYOUNG TRUSTEE ' ROBERT L YOUNG TRUSTEE ~ - - Balances ;`Begmpng Balance .--=-. -.. t `, ... '' $2U768.fi7..° ... -= eurre~t.~alance :'= ~ _. ; -. $1.6,323.66: Deposits/Credits + $0.14 Average Daily Balance ~ $16,649.49 Withdrau+rals7Debits. `: _. . . - ... _ . - ° `...$4;445 `1'S' ; ~ : ,- ::~ Interest ~ . ';Paid this Period ' _ ~ - '<:$ ~ f4:: Annual Pe[eentag~Yield-~amed 0 Q~t:%- Eamed this Period $ 0.14 Paid Last Year ~ $2.47 ~- ~_F'aids'YearTo-i)ate:: ~ . ~. ;:r~~.` ~ ~:--$ EY35~;_ = r '> -~ ~=x~ ..~~.:.~ ~ ~ - f - 'The interest earned and the interest paid may differ depending on when interest is credited to your account. Service Fees - ltemlZed Date . # Transactions Fee Total :- - ~ ; `MONTHLIi` MAINTENANCE FEE ~02109/1~1 _ - 1 = ~ 10 00 ~ ~ ~ $~a oa Total $1a.ao Checks Posted Check # Date Paid Amount Reference Check # Date Paid Amount Reference E4094 ;~ . _ D'1/1.1 -;°$2 729 7T .:: , .GM CAI~2D 2^ 4098 02/04 X40.00 975186990 4096' 01!11 $1 306.40 621813030 '4Q99~' ~ " ~=©2/02 ='` -.. ':$3J0 = "994892865 ~~ F ...,<- ~r_01~26' .: K.- .,. ~t~ z $`>'+~`5Q0 . - ~ft'~ 973'25i1'~14'~ 5 Check(s) Posted = $4,224.21 An asterisk (') indicates a skip in sequential check numbers. An (E) indicates check was converted to an electronic item. Account Activity Date Description Additions Subtractions Balance 01-10 Beginning Balance ~ $20,768.67 `:.01 tt . GM :¢ARD 2` CkiEGKPAYMT,t~'C0111'.=4094 _ ,_ - -- ._. '- . '- ., -.- ~.~2 X29.71 $18,038;96.;: 01 11 CHECK 4096 S ~~p~j $1,306.40 $16,732.56 01-18 MEL'LONHfttS-BEN~EtTCOV 01181,1 _; ~> $17fi:94 ~$1;6;~5567 ~;-8675&351 `~ - ,. -: - ., ._. _ 01-26 -CHECK 4097 ~r ~ ~. ~. $145.00 $16,410.62 `:02-02~ CHECK .Y: 4099 .: ..~ ~:;:_' n s±Z :. _ _ :, '~ ; 1,$3:10 <:$.16-.4b~52 :` 02-04 CHECK 4098 Cs~~~h ~~~ ~B~S $40 00 $16,367 52 02-OT _~l3NITED`11VS[7RANCE PREMlUM'0~96277T1 „ ~,:" ;`` ~= ;s ~ ~ ,'~ ~.~~rzy~c$34.OU' '_` r.~ ~•t~i333::52~• 02-09 TOTAL SERVICE FEES - $10.00 $16,323.52 _. ;. 02-09 '= INTEREST''CREDIT ,: -. , ;> `-:: ~ ; -_ $Oad $16,23<66 02-09 . Ending. Balance $16,323.66 ~ , Page 2 °f 3 921705662 IN CASE OF ERRORS OR QUESTION sxoWAT oN TI-I~ TOP OF YOUROSTATEMENT OR WRITE TO THE BANK i CALL YOUR CUSTOMER SERVICE CENTER AT THE NUMBER . FOR DEBIT CARD ISSUES: FOR ALL OTHER ISSUES:. . Sovereign Bank SovereT~ Bank Alm: Card D~sp~~es Team Attn: Client Relations MA1 MB3 02 OS 10-421-CRI P.O. Box 831002 P_O_ BOX 12646 Boston MA 02283-1002 READING, PA 19612-2646 Please contact us if you think your statement or receipt is wrong or ifyou need additional information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error appeared~ • Tell us your name and account number. • -Describe the error or tbe transfer that you are unsure about and explain as clearly as you can why • Tell us the dollar amount of the suspected error. you believe there is an error or why you need further information If you tell us orally, we may require you to send your complaint or question in writing within 10 husincss days. y We will promptly investigate the maite~ odu ~~ Ott or yuestion If we doe we will cr0edilt your account within thisdl0-day pen~od for the amount you think s in we may take up to 45 days to investig y p q error, so you wrll have the use of the money during the time tt takes us to complete our investigation. If we ask you to put your complaint or question m wriung and we do not receive it within l 0 business days, we may choose not to credit your account. For errors involvin~ new accounts, point of sale purchases or foreign transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to ~0 business days to credit your account for the amount you think is in error. We will tell you the results of our investigation within 3 business days after completing our investigation. If we decide there was no error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation- Important information about your Sovereign Debit Card The networks through which some of your Sovereign Debit Card purchases are processed have begun allowing merchants to process our purchases without either a signature or a PIN. If you are not required to enter your PIN when you make a purchase, yourYYppurchase may be processed o ~o~ be eligible network or u and otect-ons avai ab a through tV saf Please seen ur Personal DepositA count AgreemCen cforemore inform tioa for the ngh p prJ80lR YO~~ ~4~E3 ii98ii~1 ~e~w+ t+-t+- 1-~ `~raf OLZA NF 77~G'r~ un xV74 ~' ~ ~"?daS - ~ ~ t~_t~ OAfR ~ ~~~~ T. t .{a~nR ~~l enu u '~ crr. L ~~~ ~ __ ~ - "0° -~ d0 430S~ilf ,:~3t3'1~~a~4LG G~2i?D4662r'~ .,. 921705662 ~# 4(J~b u i ~ t ~ r t r ~~ ,avv.-+..+ ~wr vaw+t- ~,~ ~ 09 B ~~~ ~V~ +~~r.ew ~ ~ er~~: t azincti,~~[L~~~`4LT~icT~`7J'F-.i~ f ~ ~a 7W .cns! ~~54K7E-' ~ - ~23t342694~:. (342i'nt5i+6d~'=.~t] S 1 _.._ 921705662 # 4098 02/04/11 $40.00 s page 3 of 3 _.. ~~_ E nape _ d.~Ul cw IJB62SD 1 ~~ ' - s ~ ~~-~at~fS -- 9"' - 1 ~d3437269i^: R4t47Q5~61r~.Q ..,.. 921705662 # 4097 01/26/11 $145.00 ~sorr~r ~aM6 ~~ ~4tT99 .r~r+ IN Y ~a OLL Gh~({.K M 7{4SA p~t~lW~y ~'J~11 •l ~ ~:23i372641~: t1Q ~ 2i'tQ5t~6i`r 921705662 # 4099 02/02/11 $3.10 92170662 Ca,~ At a (7lance Statement ,~.~c,~ 9~~3~/ Page 1 of 1 ~~ ~~~~ ~st ~~~-ur~t ~r ~a l~r~~ A~~courit Nrrrrif~er: Ot100~11363 N4yt~~: ESTATE ~]~ ROBERT L'~O~ 1~i~' tv1LR L~`~I: M~rr~b~r P41en~i~er ~ir~rr~: 03J0212011 {~1LF~ ~cir~~ar~. i~~O E-R~1~il: PR~~ DIT ~~r T S B~~I~ti~c~ R~~e T~i~~urity U~~te REGULAR SA~IN~S $ 1.12.$6 .250°Yo --l--t-- C HE C I~LN G $ 22 9.7.93 : O Oho _-T--1-- pRt~DUCT~ BALAM~E: $ 2,=110.73 Tt~TAL gALAP1~E: ~ 2,~1Q.7 ~E Rti'I~'E 5 Har41 E BANKING EZ CALL ~~~R=SUE l~I+L1N'THL~ BALANCE M+~n-IRA ~tit~r~e~ ArrO 2411 ,Jril 20'11 .Xrri X011 t~1t~y ~0~11 Air X011 REGULAR $ 31 2.79 ~ 31 ~. 72 $ 312.66 $ 312.59 $189.5 SAVINGS CHECKING $ 7,147.50 $ 11,887.59.. $.12,152.20 $ 13,012.12 $ 12,8~1.7~ ~(~~e Print __, .. file://C:\Pro~ramData\Jack Henry and Associates\Episys For Windows\HTML\HTMLVie... 9/22/2011 Q l Z c~ ~SaQ¢ ul ~rsuae ~20~ o l~u.t v.,uw 9d~ ~/Z. ?9 f O~y" '~ ~ ~ JR ~~'~ '' a %v- ~ ~D4d s Cam ,~°'~ . 2. ~~~°~ f /,~~ . ''' mss- o .- tea. ~ Daces ~~~~ ~ T~ ~~ . ~ ~ / ~~ QQ ~ ~ 0` ~. ~ ft D ~ ~ ~~L, ~ ati~ yfi~/w ~,~1 ~~a~ 3. T/. 7 Y 1/ ~/~ /o~~ '~~/~// , d'3 --~ ..~~ Vic. ! /L~~(~~,/~/{.{jj`'~[, ~ur-' ,~ / ~l~~~ ~ o ~~ i l0 3, 3 ~?• 07 --_,r,~+-t~wvun~ ~ -~~cG,Yk~ ~~' --- , /tfl~O ~PdaR~ /~ 3, oar ~-~' ~',o ~L~Jars j ~ ~a~~vstt, . ~ ~ ~ ~-?. u~ 5arne /,~/~t~ ~ixus~s. ~~-f~iv /,~,, ~0, ono-"° '~ s ,. /~ d, t ~~ ;~ ~12~Z0~10 ~ ld~d40-°~ ,~, ~ ~ ~ ~ ~ ~ fi! /~~ ~/~I ~ ~, 7 2~• 7~ ~.~u ,~asrcP ~;~ ~ / ~ i ~ ~' ,~a •~~ ~. ~ OC((L /NF~~xT,e,~cTs o,~ /-~,~a~n~FNT .?~i- ~ ~ao~o ,P~~ed~~6i0~. ~f~~~29tee~ G''~ = 7~ x/2.29 ,': d/~3/~ ~~~eedO G~ ~'P~. ~e~,G'v~uua ~ua ~aoa ~lsx~n~~ ~.~co~a' ~~ ,~ i~~ ~Zo~' ,2009 /~~~d ~ BOO, oo ~ ~~ ~~OSZCLL -Ol /hJ Oar~tOis~ ~r~o ~iv fib, ~. ~ ~ ~~e~~ ~~~ ~a'G~ ~ a~ i~a/io ~wrwzl ~?~j ~daoo.~~~¢,e~~~a,GK ~36,0o0,pD ~Nr~, sJre ~//ud ~~ crnl~J ~~~ b~~~f+e a'o. ~'/~ scan ~icc/ze~-v~~rd -zjs/,o /~~h I"„~. -(D,+ds G~~~~~rlet~ ioo.oe o b a3~° ~mscf-,sue ~' H~ ~a~o ~~ pO fo ~ ~Lt. (~ 9~y~/o 6M Cztd 13,7/ °~ ~ ~~ ~ 79 oG ~~ 9~.27~/a 7~e ~och ~P.~. 77~, ~3 ~1~' wow ~fo ~,.,.~ ~u~ ~ Tjz~7"S, ~_ OOO- jO ~Gi'~/,~,t~l/.~cey1~~ v4vb, ,~i. ,v ~ s~t ~~i~i~ aer~l ~ ~ad ,~iu~i za ~coYrt~ee .e~'. Licr~ ~ittle~,e~ .GJYJ~i,l ~~~~o~ ~~~ ~~.~ ~,~ D~ ~~~ ~: ;' ,; ~ ~? Zo/a ~~; l o~~~~ZdlO ~~ ~o ;, /a/~T~i~ ~ifa~ 0~ ~3~ 000, mo (~,,cv1e~ e~ B/ ~~,~iir~ at~~! ~~~~ ~ ~~. a~af~ ~~ ~ ~r~ ~a~a ~ i~r~s•~~ /~~~ ~o, Q0O- ov %D dDD• °A G'~te ~a ~iD,ODa.ov ~ L ~. 3 ;.3~/~ir ~y~~/ /~ ,~ J~art tea, ~~3, zYS zG, tnc ,Nwybm.(- fft~bu~ae ~~~rr Cut Ord"daA wae,on~~f ~ir~~ ~6 ~ ~~~~~~ ~/owew , /~,~d ~~./fie ae~fl~/ ~ ~~~~~~ /,~ ~' acs rise ~~ ~` ~/ ~ 9'7. ~~ ~~ ~~~ ,~r~vr~ ccto~. dex~ .TSe~ l~cS~-~a~ ~? vOD- ~o ~I I~ ~~~du4e a~ICll ~Od~~2~tr,/ ~~G~ ,tom-e.~Q 2. ~~' ~ 2 SAMITEL L. ANDES ATTOBNEY AT LAW 525 NOxTH TWELFTH STl?EET P. O• BOX 168 irAiLixc AnDgESS LEMOYNE, PENNSYLVANIA 17043 TELEPHONE (717) 761-5361 P. O• BOX 168 LEMOYNE, PA 17043-0168 FAX (717) 761-1433 E-MAIL: LawAr~des(pDaoLcom 17 February 2012 Charles E. Shields, III, Esquire 6 Clouser Road Mechanicsburg, PA 17055 RE: Young Estate Dear Charlie: Thank you for the information you sent to me on 8 February 2012. It is a start, but it still does not provide the information and explanation that we need. I suggest that you and your client prepare an account for his handling of his father's assets during the year or riore prior to his death and for the actions he took to administer the estate. It need not be ~. formal account, such as would be filed with the court, I think an informal accounting wc~~.~ld be sufficient to get us the information we need to address most of the questions. It appears to me as though that is the direction in which you are moving as you collect this information. When you have all of that information, please have your client prepare a sirn_;le account and get it to me to be reviewed by my client and I. Hopefully you can do th~yt within the next few weeks. Sincerely, Sam el .Andes amh cc: Ms. Belinda Y. Roselli 1 ~~~, ~ ~ CHARLES E. SHIELDS, III ATTORNEY-AT-LAW GEORGE M. HOUCK (1912-1991) r ~1~~/ ~ l ~~ . gas ~ ~~~ l~%o, i~x ~~ g 6 CLOUSER ROAD Corner of Trindle and Clouser Roads MECHANICSBURG, PA 17055 old ~-~. ZD/ 2- TELEPHONE (717) 766-0209 FAX (717) 795-7473 ~, ,~ i~~~' s~i~ ,~6_ zo.z, Go ~ a~/,~f ~' ~ ~ ~o~ce~'u~'eG~re off/ °,~ . ,,,{ of hs ~r°i Gsal~f ?~~/~~~~s d~ ~ Rio ~dq ~^.,/~i'1 Gcu~~i~'~ ~' ~on' woe Cd*j~m~i%. f~i. a o.rll ~' ~ ~ ~,.,fsi /~Ora1 ~~4 ~'J ~~~ f°iu~/ Gee ~/71efF ~ ~F ~inupe/ ~ %~ ~rCC fJnafi~(/,'s~ ~~. ~~, ~'`' ~ ~( ~ ~O ~~.af , ~~ic ~2~;?JO ~,co~/ , ~f .tom/+dr'.L°Sa. ec; ~eO , r~ ,~Z Jcv .r CHARLES E. SHIELDS, III ATTORNEY-AT-LAW 6 CLOUSER ROAD Corner of Trindle and Clouser Roads MECHANICSBURG, PA 17055 GEORGE M. HOUCK (1912-1991) March 9, 2012 Samuel L. Andes Via Certified Mail Attorney At Law 525 North 12`~ Street PO Box 168 Lemoyne, PA 17043 Dear Sam: TELEPHONE (717) 766-0209 FAX (717) 795-7473 Please find enclosed the batch of credit card statements that have just arrived. Bob Young, Jr. dropped these off this afternoon. So your clients have a complete set of these, we have copied these in their entirety. Please have your clients review these and formulate their questions, if any, as to any particular expenditures so that Bob Jr. can answer the questions. This should get us one step closer to resolution. I hope you are well and look forward to hearing from you. Very truly yours, f • Charles E. Shields, III Attorney-At-Law CES/mjj Enclosure cc: Robert Young, Jr. r ~ ~ ~~ ~ Quick Look Account Summary ® G M C ard Statement Date 1!23/09 Account number i 5523 1808 0042 7863 $10 00 New Balance $845.77 t Total Revolving Credit Lim i , 000 $10 Minimum Payment ` $15.00 t Total Cash Advance lim , Customer Center Payment Address: payment Due Date 02/17/09 Available Revolving Credit $9,154 154 $9 1-888-763-5655 HSBC CARD SERVICES Available Cash Advance , P.O. BOX 80082 PO BOX 37281 Current Pa ment Due' 515.0 # Days This Billing Cycle 31 Salinas, CA BALTIMORE MD -- Pa e 1 of 2 93912-0082 21297-3281 Visit us at www.gmcard.com 'See About Your Payment on reverse for an explanation of these amounts. Transaction Date Post Date Description Amount Reference Number 1y23 12!24 GIANT FUEL #263 ENOLA PA $16.38 69 $61 MT08359007g000010143631 MT083620077000010088472 12126 12/27 GIANT FOOD #263 ENOLA PA . 00 $5 MT083660079000010156731 12/29 12131 MEDCO HEALTH FT WORTH 8008887010 TX . 00 $5 MT083660080000010117595 12130 12/31 MEDCO HEALTH FT WORTH 8008887010 TX . $182 89 MT090060075000010087299 01!05 01106 HHW'MAGIC BULLET BLEND 866-448-6352 CA . 48 $149 MT09008007g000010094405 01/07 01)08 GIANT FOOD #263 ENOLA PA . 21 CR $347 2010909A037191001846801 01!09 01109 PAYMENT -THANK YOU . 25 $168 MT090100077000010096800 01!09 01/10 GIANT FOOD #263 ENOLA PA . 93 $16 MT090120074000010339802 01/10 01)12 GIANT FUEL #263 ENOLA PA . 81 $154 MTOgp130079000010099915 01/12. 01!13 GIANT FOOD #263 ENOLA PA . $19 07 MT090140081000010048354 01113 01!14 RADIOSHACK COR00120535 ENOLA PA . 00 $10 MT090190077000010125702 01/17 01!19 MEDCO HEALTH NVERSAILL 8006544390 PA . 24 $9 MT090200078000010100644 01!19 01/20 GIANT FOOD #263 ENOLA PA . 19 $18 MTOg0230075000010087521 01/21 01123 DAVENPORTS ITALIAN RE MECHANICSBURG PA . 00 $10 MT090230079000010121991 01/21 01/23 MEDCO HEALTH FT WORTH 8008887010 TX ~..~r,~ ~ oe . $18.84 MT090230079000010093233 01122 U1113 Ul/1!v ~ ru~~ nova u.v~r , ....... ......_ .._..~.:.:.:..: .. .......... .. ........:. .. .. .............. :.. ..._..ix.. :.................. t..._. .. .. ........_:......... .........., _.... .._ .. ,x ... . .. .. ....., n.r :.r3, n .........:......................_,:~:u::::uu.,n:.e...:.:.,:nv,::.Ln:.n...:...vrs..v.....r:::: ... :..m ::::::............_..............._.._.................. ........_.... ............... _. :. _ ........... 4::: k..y~y~~} ......_ ............. _......... ...... ~.. .:.:.......... ... ... .. .. .. r}. _ ~N:~._. __' - rn- ::.: ... .................. _............._:^::. r: r : ;!!,'iiiF!f!l;- ...._.._.._.. ... .. .._....._..........: a.... ...................... ............. ........ ............................ 1:::::::!fig:...;:::r:...:........._........:..............;........ siif!!Firi!.,:"iii!:iigEFi:!ei:::~ ^:!F4::"iii ii!~iivi:' i::.....n..., .......... . Previous Balance -Payments and Other Credits + Purchases, Cash Advances, + Finance Charges = New Balance Fees and Other Debits $347.21 $347.21 5845.77 $0.00 $845.77 Average Daily Daily Periodic Nominal Annual Finance Cash Advance) Annual Balance Rate Percentage Rate Charge Transaction Fees percentage Rate $0.00 0.03217%(v) 11.74%(v) Purchases $0.00 0.05751 %(v) 20.99%(v) Cash Advances (v) indicates variable rate - ...::::: :::::::::::::::.::::::::::::::::::_::::::::: _::::::::::.::::::::;:::::t:!:: ~ ~ :!t:!e::::::~ ~ : ~_ ;::::::::~ :ii ~ix~ iii Previous Earnings $2,151.64 New Earnings Total 52,193.91 Earnings Received $42.27 Anniversary Date 6!1/93 Additional Earnings $0.00 Anniversary Y-T-D Earnings $232.43 Earnings Adjustments $0.00 Lifetime Earnings Redeemed $3,599.09 Current Period Earnings $42.27 $0.00 $0.00 0.000% $0.00 $0.00 0.000% Remember, every time you make a purchase with your GM Card, you'll earn 5•/. in GM Card Earnings. No other credit card offers such rich rewards!t 1003105 23 STMT91 J 01-02 0043441GM GWA1 (Please detach and return bottom portion with payment and retain top portion for your records. Do not staple or clip your check to the form below.) HSBC ID Account Number 55231808 0042 7863 Payment Due Date 02/17/09 New Balance $845.77 Current Payment Due 515.00 Include account number on check to HSBC CARD SERVICES. Do not send cash. Send payment 7 to 10 vlsft gmeard.eom days prior to Payment Due Date to ensure timely delivery. tSee reverse for more information ~/ to manage your Account online Amount Enclosed R08ERT L YOUNG 124 N ENOLA DR ENOLA PA 17025-2520 ~ 11111 1 ~ . I I~~ ~ I ~ ~ I1~ 1 I- III I I ~I~ I~~ ~ IIIII11! III II 1 III I I I III I I II I III II I1~11'lllll llllllf"'I'lllll'llll'III"11111~111111i~~~1~1111111' HSBC CARD SERVICES PO BOX 37281 BALTIMORE MD 21297-3281 0001500 0084577 5523180800427863 1 Quick Look Account summary 5523 1808 0042 7863 ® G M C ard Statement Date 1/23/09 Account number 77 Total Revolving Credit Limit $845 $10,000 New Balance ' . 00 Total Cash Advance Limit $15 $10,000 Customer Center Payment Address: Minimum Payment payment Due Date . 02/17/09 Available Revolving Credit 59,154 154 $9 1-888-763-5655 HSBC CARD SERVICE Available Cash Advance , 31 P.O. BOX 80082 PO BOX 37281 Current Payment Due' 615.0 # Days This Billing Cycle 2 of 2 Salinas, CA BALTIMORE MD Pa e 93912-0082 21297-3281 ' See About Your Payment on reverse for an explanation of these amounts. Visit us at www.gm card.com **********CARDMEMBER NEWS*******"** Reminder: Qualified Cardmembers can download, view, and print their 2008 GM Year-End Summary starting in February. Get a head start by registering at gmcard.com today! Quick Look Account Summary 55231808 0042 7863 ® G M C ard Statement Date 2/23/09 231.26 $1 Account number Total Revolving Credit Limit $10,000 New Balance Minimum Payment' , $15.00 Total Cash Advance limit $10,000 Customer Center Payment Address: Payment Due Date 03/20/09 Available Revolving Credit $8,768 768 $8 1-888-763-5655 HSBC CARD SERVICES Available Cash Advance , P.O. BOX 80082 PO BOX 37281 Current Payment Due' 515. # Days This Billing Cycle 31 f 1 Salinas, CA BALTIMORE MD pa e 1 o 93912-0082 21297-3281 ' See About Your Payment on reverse for an explanation of these amounts. Visit us at www.gmcard.com Transaction Date Post Date Description 01/22 01/24 LAWRENCE CHEVROLET INC MECHANICSBURG PA 01/27 01/29 MEDCO HEALTH NVERSAILL 8006544390 PA 01/29 01!30 GIANT FOOD #263 ENOLA PA 02/04 02!05 GIANT FOOD #263 ENOLA PA 02/06 02109 MEDCO HEALTH FT WORTH 8008887010 TX 02107 02109 GIANT FUEL #263 ENOLA PA OZ/08 02109 PAYMENT -THANK YOU 02/12 02/14 MEDCO HEALTH NVERSAILL 8006544390 PA 02117 02/18 GIANT FOOD #263 ENOLA PA ~': 02/17 02/19 MEDCO HEALTH FT WORTH 8008887010 TX 02/19 02!20 GIANT FOOD #263 ENOLA PA ~~ .,...: ~ ::..........:....................._............:_:.:-•:_: _. _.._ .....................:.:.:o;«:~~:!~~s!,:yew,:~~s::~;::>>:::,:~~~.._...... ........... _.._.:-,:~::::...:::::::••: ~:::::~ :::::::::::::~:.::::::,:::::: .....:•,:..............._..................................:::,::-••,•:~::;::::::::::::: ~:~;::_ :_ :: - - Est t:tii; :::..:.:_..... .........................a .a:5~?:::;:{:Eav:r::r- 2:r.:::~•:................ ............~:rw+;........ ~~ Previous Balance -Payments and Other Credits + Purchases, Cash Advances, bit D ~~ s e Fees and Other 231 26 $1 .,~,^ 5845.77 . , $845.77 ::.:, ::::.:::.::.:::•:::~::::.;.......,::::::::: ...:.:.........:n,,:....,...... . . :~:•::: :::::-::::::::::: ....,...,...:_...........::::. :::::::~:::::~s~~::~:;:~3i~i;i;;ii::-:•:•:-::.,... _...... , ,... ..... ~ .... ................ ~h .:~t~iit~tiii?ice:=+;. ...... ,:::::: . . e~al : .................... . . ,~~ ...... ...........................: . ._.............. . . . ... ....._:,.,:. ,:::::... _ ~u. ~~„~..,~.. Average Daily Daily Periodic Nominal Annual ~~ Balance Rate Percentaae Rate o $0.00 0.03217%(v) 11.74%(v) Purchases $0.00 0.05751%(v) 20.99%(v) ~ Cash Advances ~~ vindicates variable rate Amount ~ Reference Number $747.21 MT090240081000010085209 $236.02 MTO90290079000010100359 $3g,7g MTOgp30007g~0010090726 $91,28 MTOg0360079000010086322 $42.00 MTOg0400075000010443060 $15.83 MT090400075000010365835 $845.77 CR 2020809A037281781649801 $10.00 MTOg0450078000010143206 $19.13 MTOgp490p80p00010094424 $10.00 MT09050007g000010120745 $21,00 MTOg051007g000010088678 + Finance Charges =New Balance $0.00 $1, 231.26 Finance Cash Advance/ Annual Charge Transaction Fees Percentaae Rate $0.00 $0.00 0.000% $0.00 $0.00 0.000% .:,.,: ................ ................ ................................................ ........................ Previous Earnings $2,193.91 New Earnings Total 52,255.47 Earnings Received $61.56 Anniversary Date 611/93 Additional Earnings $0.00 Anniversary Y-T-D Earnings $293.99 Earnings Adjustments $0.00 Lifetime Earnings Redeemed $3,599.09 Current Period Earnings $61.56 ~~ iliC~iiFl `C.~iEf~S~('E!'Y 1003105 23 STMT91 J 01-01 004276/GM GWA1 (Please detach and return bottom portion with payment and retain top port+on for your records. Do not staple or clip your check to the form below.) HSBC 1:~ account Number 5523 1808 0042 786: Payment Due Date 03!20!09 New Balance $1 231.26 Current Payment Due S15.OC Include account number on check to HSBC CARD SERVICES. Do not send cash. Send payment 7 to 10 visR gmeard.eom days prior to Payment Due Date to ensure timely delivery. tSee reverse for more information ~/ to manageyourACwuntonline Amount Enclosed ROBERT L YOUNG 124 N ENOLA DR ENOLA PA 17025-2520 N ~ ~i~~~ii~iii~ili~~il~ll~l~i~ii~liil,iiill~iinliii~~ii~ili~lil~nli ~illri~~l~i~i~l~l~~~ll~ll~l~~~~iliiiiil~~~llirlii~l~~llill~~i~~~i HSBC CARD SERVICES PO BOX 37281 BALTIMORE MD 21297-3281 Remember, every time you make a purchase with your GM Card, you'll earn 5% in GM Card Earnings. No other credit card offers such rich rewards!t 0001500 0123126 5523180800427863 3 Quick Look Account Summary 5523 1808 0042 7863 ® G M C ard Statement Date 3/23109 63 $335 Account number Total Revolving Credit Limit $10,000 New Balance Minimum Payment " . $15.00 Total Cash Advance Limit $10,000 Customer Center Payment Address: Payment Due Date 04/17/09 Available Revolving Credit $9,664 664 $9 1-888.763-5655 HSBC CARD SERVICES Available Cash Advance , P.O. BOX 80082 PO BOX 37281 Current Payment Due' 515.0 # Days This Billing Cycle 28 f 2 1 Salinas, CA BALTIMORE MD pa e o 93912-0082 21297-3281 Visit us at www.gmcard.com I Transaction Date I Post Date 02/23 02124 02123 02125 02!24 02125 02!24 02126 p3/03 03/05 03/04 03/05 03105 03107 03107 03/07 ~. 03/10 03/11 03!16 03/17 ~~~ 03118 03!20 ~^ 03/21 03/23 iiii:~~:'I~iiii~i!l~t iiiFS' ::ca::r..::v..... v............ ......._ ............: :'iGi6iSiiii ::ae:.. iin ~~ Previous Balance ~~ ~. $1,231.26 ii:~. ... ,,.Y,...,,.;;~; ......_.._......_.. ,..., . ~~ ~^ ~~ ~~ ~~ Purchases ~~ ~'~ Cash Advances vindicates variable rate Average Daily Daily Periodic Nominal Annual Balance Rate Percentaoe Rate $0.00 0.03217%(v) 11.74%(v) $0.00 0.05751%(v) 20.99%(v) Amount I Reference Number $16.24 MTO9055007g000010090735 $3.93 MTOgp560076000010122045 $10.00 MTOgp560079000010114106 $10.00 MT090570079000010117401 $42,00 MT090640078000010126388 $20.34 MT090640078000010097218 $10.00 MT090660078000010118591 $1,231.26 CR 2030709A037421691144101 $19,08 MTOg070007g000010093998 $17.66 MTOg0760080000010104468 $10,00 MT090790080000010124250 $176.38 MT090820075000010359081 + Finance Charges ~ =New Balance $0.00 ~ $335.63 Finance Cash Advance/ Annual Char a Transaction Fees Percentage Rate $0.00 $0.00 0.000% $0.00 $0.00 0.000% ,~ .................,....... ........................:......... ......:...:~ ~ :::::::::::::::::s::::~ ::::::::::::::::-:: :.:::::.::::~ s.=.::._.;~~::;~ ~~,:it~ ~•'•:~t:;;: ::-:~ :::::::::::::: °:;::::::~ :::::::ii::i€€ii~;ii~ iii ~:::s:=_:::<, s Previous Earnings $2,255.47 New Earnings Total r 32.272.25 Earnings Received $16.78 Anniversary Date 611193 Additional Eamings $0.00 Anniversary Y-T-D Earnings $310.77 Earnings Adjustments $0.00 Lifetime Earnings Redeemed $3,599.09 Current Period Earnings $16.78 Remember, every time you make a purchase with your GM Card, you'll earn 5'/. in GM Card Earnings. No other credit card offers such rich rewards!t 1003105 23 STMT91 J 01-02 004226/GM GWA1 (Please detach and return bottom portion with payment and retain top portion for your records. Do not staple or clip your check to the form below.) HSBC 1~ Account Number 55231808 0042 7863 Payment Due Date 04!17/09 New Balance $335.63 Current Payment Due 515.00 Include account number on check to HSBC CARD SERVICES. Do not send cash. Send payment 7 to 10 visit gmcard.com days prior to Payment Due Date to ensure timely delivery. tSee reverse for more information ~/ to manage yourAccourrt online Amount Enclosed ROBERT L YOUNG 124 N ENOLA DR ENOLA PA 17025-2520 N 1~~~~'I~~i~llil'1~1~11~1~'il~l~l~l~~llli~ll~~~l~l~l~~~lllllil~nl 0 " See About Your Payment on reverse for an explanation of these amounts. Description GIANT FUEL #263 ENOLA PA UNI MARTS #94204 ENOLA PA MEDCO HEALTH FT WORTH 8008887010 TX MEDCO HEALTH FT WORTH 8008887010 TX MEDCO HEALTH FT WORTH 8008887010 TX GIANT FUEL #263 ENOLA PA MEDCO HEALTH FT WORTH 8008887010 TX PAYMENT -THANK YOU GIANT FUEL #263 ENOLA PA GIANT FUEL #263 ENOLA PA MEDCO HEALTH FT WORTH 8008887010 TX GIANT FOOD #263 ENOLA PA - Payments and Other Credits + Purchases, Cash Advances, Fees and Other Debits $1,231.26 $335.63 I~IIII~~~Iil~~l~li~~~~~~l~il~l~i~~l~ll~l~l~'1"i~li~l~li~l~~l~~l~ HSBC CARD SERVICES PO BOX 37281 BALTIMORE MD 21297-3281 0001500 0033563 5523180800427863 3 Quick Look Account Summary _ ® G M C ard Statement Date 3123/09 Account number i 5523 1808 0042 7863 000 $10 New Balance t $335.63 Total Revolving Credit Lim , 000 $10 Minimum Payment' $15.00 Total Cash Advance Limit , Customer Center Payment Address: Payment Due Date 04/17/09 Available Revolving Credit $9,664 664 $9 1-888-763-5655 HSBC CARD SERVICE Available Cash Advance , P.O. BOX 80082 PO BOX 37281 Current Payment Due ' St 5.0 # Days This Billing Cycle 28 f 2 Salinas, CA BALTIMORE MD -- pa e 2 o 93912-0082 21297-3281 ' See About Your Payment on reverse for an explanation of these amounts. Visit us at www.gmcard.com *********'CARDMEMBER NEWS********** The wait is nearly over. The all new 2010 ChevyT"" Camaroc~ Coupe arrives this spring. Beautiful, efficient and technologically advanced, it is the very definition of a 21 st-century sports car. chevy.com/camaro. Quick Look Account Summary 4123109 Account number 55231808 0042 7863 ® G M C ard Statement Date 19 $866 Total Revolving Credit Limit $$~ New Balance Minimum Payment' . $15.00 Total Cash Advance Limit 500 Customer Center Payment Address: Payment Due Date 05/18109 Available Revolving Credit ailable Cash Advance A $9,133 $2,500 1-888-763-5655 P.O. BOX 80082 HSBC CARD SERVICES PO BOX 37281 CrreM Payment Due' 515.0 - v # Days This Billing Cycle 31 1 of 2 Salinas, CA BALTIMORE MD Pa e 93912-0082 21297-3281 Visit us at www.gmcard.com ' See About Your Payment on reverse for an explanation of these amounts. :::::,:::::., ..._.....__........._ p Transaction Date Post Date Descri tion 03125 03126 GIANT FUEL #263 ENOLA PA 03!26 03/27 GIANT FOOD #263 ENOLA PA 03127 03/30 MEDCO HEALTH FT WORTH 8008887010 TX 03/30 04/01 MEDCO HEALTH FT WORTH 8008887010 TX 04/01 04103 MEDCO HEALTH FT WORTH 8008887010 TX 04102 04/03 GIANT FUEL #1263 ENOLA PA 04/04 LAWRENCE CHEVROLET INC MECHANICSBURG PA 04/02 04106 04/06 PAYMENT -THANK YOU 04!08 04/09 GIANT FOOD #263 ENOLA PA ~. 04!08 04109 GIANT FOOD #263 ENOLA PA ~' 04/13 04/14 GIANT FUEL #263 ENOLA PA ..~^ 04120 04122 RED LOBSTER US00001958 MECHANICSBURG PA 04/21 04!22 GIANT FUEL #263 ENOLA PA . ...... _ .. ....................._..... ........~..i.............. .......: ~:::..r......_...... ~....._ ...... ....................._..................._ ............. .. ,. ............._.. :; ~v?!:71 !_; ::: r {iii:iiiEEiilifi'rF?i''^.::.~::u;~:::'.r.:.::::::::r :: Balance i P :::::::::::r.:::¢:::;:,.~..,,...,................................y....-„- -Payments and Other Credits es, + P ~~ ~~ rev ous Fees and Other Debits ~~ $335.63 $335.63 $866.19 ..~~ `~ iii:;: "::::::::::::::::::::,::,::_.:,::;:;::~:::::::: ~::::..; ;..._;;..;......,::.;...., _.........._ ,.: ...... iiisiiiiiiii ~~ ai_ ii ii ' ib ~ ~~ : i , i i : ................ ..:•::.~ ::.::..:::::::::::::::::::::::::::»s:~~:~::<;:::::::::::::::::::~ :::::::~:~ ~i:iiii~ tiii`iitii~ r .f . . ...............~.. .: •,~,::::.,::::.:~.:::.::~-::f.............~.~..... ~ r.:::~:;..... .:::_.::::...r:::::~t~i~r~~.re.iar~p ::::cl:~:::7::s::r.:;;+(S!Y:!! :.............................d ...... ~.......................... ~..;..~:~~~~::auv:r.~:....:......._...._...,,:.:...:.,..~.o-W..........,.,... ~....,.~ ,'Bu Periodic Nominal Annual Dail ~~ .~.. y Average Daily Balance Rate Percentaae Rate .. ~ $0.00 0.03217%(v) 11.74%(v) Purchases $0,00 0.05751%(v) 20.99%(v) .~,~ Cash Advances ~~ dicates variable rate i n v ...~~<<~~:~~~::~:~,:~ ~ :..:..........;::~•<iti. ~ ,~.,.::,:~::::::,:,:::::,,:~:::;:::::::;::::;::::: ... ::. ..::::,:~:,::_::::::::::-:~:•::•;:sa,:;;:iii?iii~iiii~~iiii~ii-ii;;i;;tt:.=.;::~il~;;! .................................~::::: ~::_::u......_........:::.: ~~ .~ 272.25 New Earnings Total ~ 52,315.56 s $2 Earnin i P , g ous rev Date 6/1193 rsa i A ry ve nn Earnings Received $43.31 54 .~~ "'~~ . Additional Eamings $0.00 Anniversary Y-T-D Earnings $3 09 599 . Eamings Adjustments $0.00 Lifetime Earnings Redeemed $3, 31 $43 ~~ . Current Period Earnings Amount I Reference Number $17,77 MTOg0850080000010095065 $107.00 MT090860079000010088486 $42.00 MTOg0890074000010426268 $10.00 MTOg0910079000010125966 $10.00 MT090930079000010133209 $17.01 MT090930079000010102126 $496.21 MT090940078000010087594 $335.63 CR 2040609A037542631044901 $47.17 MT0~990079000010097261 $16.74 MT090990079000010097262 $20.69 MT091040079000010092152 $64.66 MT091120071000010062183 $16.94 MT091120076000010096690 + Finance Charges =New Balance $0.00 $866.19 Finance Cash Advance/ Annual Chase Transaction Fees Percentage Rate $0 ~ $0.00 0.000% $0 ~ $O Op 0.000% Remember, every time you make a purchase with your GM Card, you'll earn 5°/. in GM Card Earnings. No other credit card offers such rich rewards!t 1003105 23 STMT91 J 01-02 004276/GM GWA1 (Please detach and return bottom portion with payment and retain top portion for your records. Do not staple or clip your check to the form below.) '~ Account Number 5523 1 808 0042 7863 HSBC Payment Due Date 05/18/09 $866.19 Current Pa ment Due 515.00 New Balance Include account number on check to HSBC CARD SERVICES. Do not send cash. Send payment 7 to 10 visit gmcard.com days prior to Payment Due Date to ensure timely delivery. tSee reverse for more information ~ to manageyourAccount online Amount Enclosed ROBERT L YOUNG 124 N ENOLA DR ENOLA PA 17025-2520 ~ i~~ll,~llill~~~lll~l~~~l,~l~~~~'ICI'Ill~lll,l~l~i,~lll~~l~~'I~'~I'~I~ ~II'III""1~~1i11111~11~11"111'lll~llll~lllll~l~i~li,ll~l~~lll HSBC CARD SERVICES PO BOX 37281 BALTIMORE MD 21297-3281 0001500 0086619 552318080042?863 ? Quick Look Acc ount Summary ~ G M C ard Statement Date 4/23/09 Account number 5523 1808 0042 7863 New Balance $866.19 Total Revolving Credit Limit $10,000 Minimum Payment • $15.00 Total Cash Advance Limit $2,500 Customer Center Payment Address' payment Due Date 05118/09 Available Revolving Credit $9,133 ` 1-888-763-5655 HSBC CARD SERVICE Available Cash Advance $2, .00 31 P.O. BOX 80082 CA li PO BOX 37281 BALTIMORE MD Current Payment Due • ~-- 515.0 # Days This Billing Cycle 2 of 2 nas, Sa 93912.0082 21297-3281 Pa e **********CARDMEMBER NEWS********" SINGULAR DESIGN, MULTIPLE EXPRESSIONS, MAJOR REFRESH C Pontiac gave G6 a major mid-year refresh -with hot new exterior and interior features and new technology like USB connectivity -all while retaining its three distinct personalities. All share beautiful design cues, an athletic stance and an instinctive knack for defying convention. Go to Pontiac.com to learn more. ~~ ~~ ~~ ~~ ~~ ~~ ~~ ~~ ~~ ~~ .~ ~~ .~. ~~ ~~ ~~ ~~ ~~ 0 ~g 8 Quick Look Account Summary 5523 1808 0042 7863 ® G M C ard _ Statement Date 5/24/09 89 $268 Account number Total Revolving Credit Limit $10,000 New Balance Minimum Payment' . $15.00 Total Cash Advance Limit $2,500 Customer Center Payment Address: payment Due Date 06118!09 Available Revolving Credit $9.731 500 $2 1-888-763-5655 HSBC CARD SERVICES Available Cash Advance , P.O. BOX 80082 PO BOX 37281 Current Payment Due ' $15.0 # Days This Billing Cycle 31 f 2 1 Salinas, CA BALTIMORE MD pa e o 93912-0082 21297-3281 Visit us at www.gmcard.com Transaction Date ~ Post Date 04/30 05/01 04/30 05/01 05!13 05/14 05/15 05/16 05!16 05116 05/18 05/19 05/21 05/22 i't~iii~~i - - „i~jii:iiiia;is°' '~~ r Previous Balance ~~ $866.19 ':ii ~ :iii viii i:i €'% _ Tiic:<~~«:r: ~~ ufti'i:iW:ii°..:.... ii:3 ~ ict'n'ii~~ ~::r•__ - __ ~. ~^ ~~ ~~ ~~ Purchases ~~ ~~ Cash Advances ~~ ~~ vindicates variable rate ~..~ ' .~~ Previous Earnings Earnings Received " ~: Additional Eamings ~~ Eamings Adjustments ~~ Current Period Earnings .... :. iiin: r.:~.. .._..... .... .......~::::i::~ :::::~ ::..:r.....' ..:.:........_'.:........._. ' See About Your Payment on reverse for an explanation of these amounts. y y~ y y ~y~y . .......... ......... .. :: Fg ... y. .... ..... .... .....a...._._ ......................_. ... .... ... .... . .... .. ......... ...... .. .... .. .. ..~ :::: '~~~ li?P:::: va ............... ..::u.:u..n.. ....~.....~~unc.,, .. .. .. .. .~Ik'SF.~RM .~iflt:lE~li! .Z .. ............. ~. ...........~......... ..... I .~;~Ell'.d..IVl~I ................................. .. ........_.... ... . ~ ~~ ~ .. ..............:::::. u:r^:......... ....... ......... +ii ::~:~::i:::...;.ai'iii~iii+iiFiFiiF iiiiFiiiiiie:: .....~....nv.rt.e . 7.. :: ...... ... ...............-..- ........ .a. .... ......, 'iF'iea:iiie iii~a~n![[itiiiiiiicii~ jSiGiEiaiic i iSilii:: :::..:f^ee~::::rF~r:•::r::::ra:^::::::u:::::: r.....-r.::~::::::. i u. i :4:f .°.~:!: ~iiEii~jjiiiiiilii?:. _ - ; . ....c .............. ............. . .. .....-.._.. ............ :............... ..::. : ... ...:.....r......;. ur..;:::::m:m::::r.:::r.:::::i~iii:ii::ii:~:ac::::r.::~:::::::-:~:::::::•.::-:~ ::::::.......7._r^.,,,.,.....;::;;:::.;:..:..;..::::.........;..........~..... .................. :::~s:::::m:c~::: .- {~7 Ei:, .. '~i!~~~t~i. ~:~~iW.. ..-...Y..Y.........;....:•.....~...........i:...i ~~ii.7. ..e........__ .t.......;i. ........_....... .. ~°[l.fi rll7Pl'..>~rt~l~ ..................... ~ :::':~ ...........~......-...; .,..::::::: . . . . . :::: :::a:: :n ~ ad --^-~:::::::x : Fc~r - ....n..ixil:s,.::..::._::::...:...:~:..., :....i<l:i; .r !:i!`?iH!F?iru :d::r 1::~:..:::a:::.:::::r::::::::vi?i"'rr ....<....~.....,s... : ~:s ::r ... . . . . . ... . . . ., . ......_ .. .........~ ...............s....,............~...:,........._:.................. ~.. ..... ...... Description . . . Amount . . . Reference Number GIANT FOOD #263 ENOLA PA $56.71 MT091210075000010095384 MT091210075000010097242 GIANT FUEL #263 ENOLA PA $18.85 15 $17 MT091340075000010094569 GIANT FOOD #263 ENOLA PA . 99 $137 MT091360075000010098769 GIANT FOOD #263 ENOLA PA . $866.19 CR 2051609A037731241511701 PAYMENT -THANK YOU 50 $25 MT091390078000010087550 GIANT FUEL #263 ENOLA PA . 69 $12 MT091420077000010099018 GIANT FOOD #263 ENOLA PA . ............y........_......_ .... _ - - - Pa ments and Other Credits + Purchases, Cash Advances, + Finance Charges =New Ba ance Fees and Other Debits $866.19 $268.89 $0.00 $268.89 Average Daily Daily Periodic Nominal_ Annual Balance Rate Percentage Rate $0.00 0.03217%(v) 11.74%(v) $0.00 0.05751%(v) 20.99%(v) m~~, :~ ~;-~~ :~ <;;;;°,~ _F< U; ~ ; <<~ ;/iii ~~ I $2,315.56 New Earnings Total 52,329.01 $13.45 Anniversary Date 6!1!93 $p,00 Anniversary Y-T-D Earnings $367.53 $p.00 Lifetime Earnings Redeemed $3,599.09 $13.45 Finance Cash Advance/ Annual Charge Transaction Fees Percentage Rate $0.00 $0.00 0.000% $0.00 $0.00 0.000% Remember, every time you make a purchase with your GM Card, you'll earn 5°1° in GM Card Eamings. No other credit card offers such rich rewards!t 1003105 23 STMT91 J 01-02 008504/GM GWA1 (Please detach and return bottom portion with payment and retain top portion for your records. Do not staple or clip your check to the form below.) HSBC 1~ Account Number 5523 1 808 0042 7863 Payment Due Date 06118!09 $268.89 Current Pa ment Due $15.00 New Balance Include account number on check to HSBC CARD SERVICES. Do not send cash. Send payment 7 to 1U visit g~eard.+COm days prior to Payment Due Date to ensure timely delivery. tSee reverse for more information ~l to manage your Account online Amount Enclosed ROBERT L YOUNG 124 N ENOLA DR ENOLA PA 17025-2520 ~~il~~~~r„ii~ii~~~liilll~l~~ii~ii~i~~i~liilllili~~~i~liiil~il~~i li~~~l~~iiil~i~~~~l~llil~~~l~i~~lii~l~~~~illl~~~~~l~i~l~lllli~~~~ HSBC CARD SERVICES PO BOX 37281 BALTIMORE MD 21297-3281 0001500 0026889 5523180800427863 6 Quick Look Account Summary G M C ard Statement Date 5/24/09 Account number 55231808 0042 7863 New Balance $268.89 Total Revolving Credit Limit 510,000 Minimum Payment' 515.00 Total Cash Advance limit 52,500 Customer Center Payment Address: payment Due Date 06!18/09 Available Revolving Credit $9,731 1-888-763-5655 HSBC CARD SERVICE Available Cash Advance $2,500 P.O. BOX 80082 CA Salinas PO BOX 37281 BALTIMORE MD rCurrent Payment Due " 515.0 # Days This Billing Cycle 31 , 93912-0082 21297-3281 Pa e 2 oft 'See About Your Payment on reverse for an explanation of these amounts. Visit us at www.gmcard.com * * * * Important Information * * * * * * * * * * * * * Your amount available for Cash Advances has been adjusted as shown in the Total Cash Advance Limit above. * * * * * * * * * * Important Information * * * * * * * * * * * * * Please see the enclosed Important Notice of Change in Terms. **********CARDMEMBER NEWS********** Buick's all-new 2010 LaCrosse- now that's a statement.Take one look at the completely redesigned 2010 LaCrosse and you'll see for yourself. The sculpted lines of its exterior will stop you in your tracks.So will its luxurious interior, personal technology, and responsive performance out on the road. For more, check out Buick.com/201OLaCrosse. Track spending & pay your bills online. Secure registration at www.gmcard.com/login. ~~ ~_ ~~ ~~ ~~ ~~ ~.. ~. .~. ~. .~ N 8 O Quick Look Account Summary ® G M C ard Statement Date 6/23109 Account number 5523 1808 0042 7863 New Balance $439.69 Total Revolving Credit Limit $10,000 Minimum Payment' $15.00 Total Cash Advance Limit $2,500 Customer Center Payment Address: payment Due Date 07/18/09 Available Revolving Credit $9,560 1-888-763-5655 HSBC CARD SERVICES Available Cash Advance 52,500 P.O. BOX 80082 PO BOX 37281 (Current Payment Due' 515. # Days This Billing Cycle 30 Salinas, CA BALTIMORE MD pa e 1 of 2 93912-0082 21297-3281 Visit us at www.gmcard.com "See About Your Payment on reverse for an explanation of these amounts. Transaction,Date Post Date Description Amount Reference Number 05128 05/29 GIANT FOOD #263 ENOLA PA 555.85 MT091490077000010097313 05129 05/30 GIANT FUEL #263 ENOLA PA $25.84 MT091500076000010097686 05130 06/01 MEDCO HEALTH FT WORTH 8008887010 TX $42.00 MT091520075000010111130 05/30 06/01 MEDCO HEALTH FT WORTH 8008887010 TX $10.00 MT091520075000010111157 06101 06103 MEDCO HEALTH FT WORTH 8008887010 TX $42.00 MT091540077000010131018 06!02 06104 MEDCO HEALTH NVERSAILL 8006544390 PA $10.00 MT091550076000010127285 06108 06/10 MEDCO HEALTH FT WORTH 8008887010 TX $42.00 MT091610076000010122958 0 06/09 06!10 GIANT FUEL #263 ENOLA PA $28.73 MT091610076000010095777 06110 06110 PAYMENT -THANK YOU 5268.89 CR 2061009A037870311148901 ~~ 06!09 06!11 MEDCO HEALTH FT WORTH 8008887010 TX $94.00 MT091620076000010125306 ~~ 06111 06/12 GIANT FOOD #263 ENOLA PA $30.32 MT091630078000010093101 06116 06117 GIANT FOOD #263 ENOLA PA $21.00 MT091680072000010033434 ~~ 06/17 06118 GIANT FUEL #263 ENOLA PA $27.95 MT091690073000010032582 ~~ 06/17 06119 MEDCO HEALTH FT WORTH 08008887010 TX $10.00 MT091700076000010117180 Payments and Other Credits + Purchases, Cash Advances, + Finance Charges =New Balance Fees and Other Debits $268.89 $439.69 $0.00 5439.69 Average Daily Daily Periodic Nominal Annual Finance Cash Advance/ Annual Balance Rate Percentaae Rate Charge Transaction Fees Percentaae Rate $0.00 0.03217%(v) 11.74%(v) 50.00 $0.00 0.000% $0.00 0.05751%(v) 20.99%(v) $0.00 $0.00 0.000% , ... ....... ~.:_::,::::.:...id:(:::E::::c:::::rs :::::::::::: ... .. ! ~:r :::p?!..::::a;:r: ~::::pc::::,:~;::::::::pa:+"`.IiR>isiiiiiiEBE:i!!ii!&iiii':i(i'ii'r~i2 ~:i:i :: . ,:_.::::.:::~.,,: ,:,.,,:,.. i ...;... ...... ..::....:::u.v.;:•:i:i=:i"i:EE::iii(:iif•?:P?F? ; .. ,... ~ .. .....:...^ ........................... ~..~ .1~mat ............... .._.... " i::~ i'Ei~ iC~i! ~iiF.iii ~~'iii'i:'~ ~ ~~lii ~uiii ................._......_....... Previous Earnings $2,329.01 New Earnings Total $2,351.00 Earnings Received $21.99 Anniversary Date 611/93 Additional Earnings 50.00 Anniversary Y-T-D Earnings $17.91 Earnings Adjustments $0.00 Lifetime Earnings Redeemed $3,599.09 Current Period Earnings $21.99 Remember, every time you make a purchase with your GM Card, you'll earn 5% in GM Card Earnings. No other credit card offers such rich rewards!t 1003105 23 STMT91 J 01-02 004242/GM GWA1 (Please detach and return bottom portion with payment and retain top portion for your records. Do not staple or clip your check to the form below.) HSBC ~J Account Number 55231808 0042 7863 Payment Due Date 07/18/09 New Balance $439.69 Current Payment Due 515.00 Include account number on check to HSBC CARD SERVICES. Do not send cash. Send payment 7 to 10 visit gmeard.eom days prior to Payment Due Date to ensure timely delivery. tSee reverse for more information ~ to manage yourACCOUnt online An'tOUnt Enclosed ROBERT L YOUNG 124 N ENOLA DR ENOLA PA 17025-2520 0 ~liilii~~rli~i~ililii~li~i~lli~lr~i~~i~i~il~irrillili~i~ili~,viii ~il~il~~i~iii~i,liliiiili~ili~i~iii~lll~~liliii~irl~ili~ll~ii~iii HSBC CARD SERVICES PO BOX 37281 BALTIMORE MD 21297-3281 0001500 0043969 5523180800427863 3 Quick Look Account Summary ® G M C d rd Statement Date 6/23/09 Account number 5523 1808 0042 7863 New Balance $439.69 Total Revolving Credit Limit $10,000 Minimum Payment • $15.00 Total Cash Advance Limit $2,500 Customer Center Payment Address: payment Due Date 07/18/09 Available RevoMng Credit $9,560 1-888-763-5655 HSBC CARD SERVICE Available Cash Advance $2,500 P.O. BOX 80082 PO BOX 37281 Current Payment Due' 515.0 # Days This Billing Cycle 30 Salinas, CA BALTIMORE MD Pa e 2 of 2 93912-0082 21297-3281 'See About Your Payment on reverse for an explanation of these amounts. Visit us at www.gmcard.com ******'***CARDMEMBER NEWS********** CHEVY MALIBU. Recognized with dozens of awards since its debut, Malibu changes perceptions as quickly as it turns heads. To learn more, go to www.chevy.com/malibu/. Quick Look Account Summary ® G M C ard Statement Date 7123/09 Account number 5523 1808 0042 7863 New Balance $696.53 Total Revolving Credit Limit $10,000 Minimum Payment" $15.00 Total Cash Advance Limit $2:500 Customer Center Payment Address' Payment Due Date 08/17/09 Available Revolving Credit $9,303 1-888-763-5655 HSBC CARD SERVICES Available Cash Advance $2.500 P.O. BOX 80082 PO BOX 37281 Current Payment Due' S15.o # Days This Billing Cycle 30 Salinas, CA BALTIMORE MD - Pa e 1 of 1 93912-0082 21297-3281 Visit us at vrww.gmcard.com Transaction Date ~ Post Date 06/29 06/30 06/30 07/02 07/03 07/04 07/08 07/08 07108 07110 07/09 07/10 07/10 07/13 07/15 07!16 07/15 07/17 07/20 07!21 See About Your Payment on reverse for an explanation of these amounts. SHEETZ 00002014 MECHANICBURG PA MEDCO HEALTH FT WORTH 08008887010 TX GIANT FUEL #263 ENOLA PA PAYMENT-THANKYOU LAWRENCE CHEVROLET INC MECHANICSBURG PA GIANT FOOD #263 ENOLA PA MEDCO HEALTH FT WORTH 08008887010 TX GIANT FUEL #263 ENOLA PA MEDCO HEALTH FT WORTH 08008887010 TX GIANT FOOD #263 ENOLA PA ~.... nn mini n DA Amount I Reference Number $15.37 MT091810076000010056725 $10.00 MT091830077000010134710 $24.75 MT091850074000010103346 $439.69 CR 2070809A037982381038801 $458.26 MT091910077000010085443 $45.07 MT091910077000010095245 $10.00 MT091940071000010420890 $25.43 MT091970073000010033556 $70.00 MT091980077000010117226 $21.00 MT092020076000010091898 $16.65 MT092040076000010152058 v,ic: ....~.. ............. .... _:. . ....m .r....,u....ast...........v ...:................................n._..m. ._ v..:• ...._f .............................-i....:....._. :a :~ ::? :: ::~ iii;~ii ...... .... _ __ .. ..... ...... ................::::::a:::v::s.........:............ ..vv....:.,..,.,.ni.:.,....~...:,.............. .....................................:................-...............:...... ...... ................................ :.: .:.. . .. .......... _.._.. ..... . . : ... ... .~...} .... ................ ...... .......... ... 't ....... ....:•: .i.....~.:.;.:... ~: .: M~Xt7~#~ ::z:r:.'.::~'.:?^ . i~G:;lt1. ~ ._........ ..... .. ...... .. ............::.._:.::~ ::::.:.:::.::::.:s::i:::::r: :::::: :::::u::::: a ~:nn:v:..nv.m...u., u.....rs......................:.:...,.... ..:..s~ ~ .. ... ....... . ..h.._.._................._i......................._........ :a::c::_ ::Sci:t ~!:iEi:u!iEF~ ir.9ieEFiiijl~ iiiiiifE~ i5'u:iFii::iii:i~ iii~i v:a:,.er.:::.:.,..:............... ....... ................. .ui..~ ~:.: . .. ^........ a:::.. ;-^~:__; ic!Iiai :z ci:~ ::::::n:::~ i Previous Balance . . . ..... .V..W...-... -Payments and Other Credits + Purchases, Cash Advances, + Finance Charges =New Balance Fees and Other Debits $439.69 $439.69 $696.53 $0.00 $696.53 Average Daily Daily Periodic Nominal Annual Finance Cash Advance/ Annual Balance Rate Percentage Rate Charge Transaction Fees Percentage Rate $0.00 0.03217%(v) 11.74%(v) $0.00 $0.00 0.000% Purchases $0.00 0.05751%(v) v 20.9996( ) $0.00 $0.00 0.000% Cash Advances rate i ................... ~o:.............. a....v:......u.m..r.:dum:re.: :;:rm:::::: yy~~y ::i7ki ::.::,vu,u~:uv:::v.:.r..._~:::::::e::.n_::e :n:::n:^::?Ei:::cu3i:iiE:~:;~iEiiiicii:iii~ii=i^: Previous Earnings $2,351.00 New Earnings Total 52,385.82 Earnings Received $34.82 Anniversary Date 611!93 Additional Eamings $0.00 Anniversary Y-T-D Eamings $52.73 Earnings Adjustments $0.00 Lifetime Earnings Redeemed $3,599.09 Current Period Earnings $34.82 Remember, every time you make a purchase with your GM Card, you'll earn 5% in GM Card Earnings. No other credit card offers such rich rewards!t 1003105 23 STMT91 J 01-01 003509/GM GWA1 (Please detach and return bottom portion with payment and retain top portion for your records. Do not staple or clip your check to the form below.) HSBC ID Account Number 5523 1 808 0042 786 Payment Due Date 08/17/09 New Balance $696.53 Current Payment Due 515.00 Include account number on check to HSBC CARD SERVICES. Do not send cash. Send payment 7 to 10 visit gmeard.eom days prior to Payment Due Date to ensure timely delivery. tSee reverse for more information ~f to manage your Account online Amount Enclosed ROBERT L YOUNG 124 N ENOIA DR ENOLA PA 17025-2520 0 I I I. I I ~~ ...I 1 1 1 1 1 1. I.I.. I. 1 I I I I I I IIII III II III I II I II I I IIIIIIII III 11'11'1"11'111111"II'11111~1~11~1i11~11"'I'lllllll"I'llllllll HSBC CARD SERVICES PO BOX 37281 BALTIMORE MD 21297-3281 0001500 0069653 5523180800427863 8 Quick Look Account Summary 55231808 0042 7863 ® G M C ard Statement Date 8!23109 02 $363 Account number Total Revolving Credit Limit $10,000 New Balance Minimum Payment' . $15.00 Total Cash Advance Limit $2,500 Customer Center Payment Address: Payment Due Date 09/17109 Available Revolving Credit $9,636 500 $2 1-888-763-5655 HSBC CARD SERVICES Available Cash Advance , P.O. BOX 80082 PO BOX 37281 Current Payment Due ' 515.0 # Days This Billing Cycle 31 f 2 1 Salinas, CA BALTIMORE MD pa e o 93912-0082 21297-3281 Visit us at wwNr.gmcard.com Transaction Date ~ Post Date 07!25 07!27 08103 08/04 08/05 08/05 08/05 08!07 08/06 08/08 o8ro7 08110 ~.~ 08!07 08110 ~~ 08/10 08111 ~"' 08/11 08112 ~.~ 08!11 08!12 08!11 08112 ~~ 08/14 08114 08/19 08120 ~~ 08/21 ~~ 08!22 .~~ .....~--t-- ...:_ .. --- ................ :s :::::::::::::::: :~ :: ~~ ~~ Previous Balance ~~ ~ $696.53 ~~ ~-....... ' r ..............--,- i;liiij ;'€: iFii~ i`•.aiii"`ilia"l ~ ~ ?!~; ~~ ~~ ~.~ ~~ ~ urchases ~ _ Cash Advances ~~ vindicates variable rate Average Daily Daily Periodic Nominal Annual Balance Rate Percentage Rate $0.00 0.03217%(v) 11.74%(v) $0.00 0.05751 %(v) 20.99%(v) Amount ~ Reference Number $26.91 MT092080071000010339108 $29.46 MT092160076000010097973 $696.53 CR 2080509A038240611253201 $10,00 MT092190076000010119825 $10.00 MT092200076000010149308 $42.00 MT092220071000010409734 $10.00 MT092220071000010410074 $10.00 MT092230075000010120392 $26.22 MT092240074000010039814 $15.00 MT092240076000010087515 $49.99 MT092240078000010108275 $84,00 MT09226007g000010096800 $28.44 MT092320073000010027268 $21,00 MT092340075000010093338 + Finance Charges =New Balance $000 $363.02 Finance Cash Advance/ Annual Charge Transaction Fees Percentage Rate $0.00 $0.00 0.000% $0.00 $0.00 0.000% ............__ ....................._..:.. .. ,..,._.. Vii. I ............................................~#!'#Ii..... ~* ~ii':ii€i?'•' i'iiiiiit iii ~iiiiiii If Expired in August 2009 $0•~ Expiring in September 2009 $0.00 Expiring in October 2009 $0•~ Expiring in November 2009 $6.40- ..::::-~ ................,::,:,,~::,:,,:,,,:: ,,,tl:,~:,:,::: ::::.,:..,:::~ ::::::::: ill! ...:,::::~:~ :::............................. .....___ Previous Earnings $2,385.82 New Earnings Total 52,403.97 Earnings Received $18.15 Anniversary Date 6!1193 Additional Earnings $0.00 Anniversary Y-T-D Earnings $70•~ Earnings Adjustments $0.00 Lifetime Earnings Redeemed $3,599.09 Current Period Earnings $18.15 1003105 23 STMT91 J 01-02 003862/GM GWA1 (Please detach and return bottom portion with payment and retain top portion for your records. Do not staple or clip your check to the form below.) HSBC I~D Account Number 5523 1808 0042 7863 Payment Due Date 09/17/09 New Balance $363.02 Current Payment Due 515.00 Include account number on check to HSBC CARD SERVICES. Do not send cash. Send payment 7 to 10 visit gmeard.eom days prior to Payment Due Date to ensure timely delivery. tSee reverse for more information ~1 to manage your ACCAIJnt online Amount Enclosed ROBERT L YOUNG 124 N ENOLA DR ENOLA PA 17025-2520 N o II ill! i i I ~~I ~ 1 i ~ n III ICI III IIIII111 III 111111 I III II 111111 III 1 III II • See About Your Payment on reverse for an explanation of these amounts. Description GIANT FUEL #263 ENOLA PA GIANT FUEL #263 ENOLA PA PAYMENT -THANK YOU MEDCO HEALTH FT WORTH 08008887010 TX MEDCO HEALTH FT WORTH 08008887010 TX MEDCO HEALTH FT WORTH 08008887010 TX MEDCO HEALTH FT WORTH 08008887010 TX MEDCO HEALTH FT WORTH 08008887010 TX GIANT FUEL #263 ENOLA PA GIANT FOOD#263 ENOLA PA SATELLITE EQUIP & SALE SANTA ANA CA MEDCO HEALTH FT WORTH 08008887010 TX GIANT FUEL #263 ENOLA PA GIANT FOOD #263 ENOLA PA - Payments and Other Credits + Purchases, Cash Advances, Fees and Other Debits $696.53 $363.02 1111111'I'lllllllllllllllll'1111'lllllllllll"II'li'll'lll"II"I HSBC CARD SERVICES PO BOX 37281 BALTIMORE MD 21297-3281 OD01500 0036302 5523180800427863 5 Quick Look Account Summary ® G M C ard Statement Date 8123/09 Account number 5523 1808 0042 7863 New Balance $363.02 Total Revolving Credit Limit $10,000 Minimum Payment' $15.00 Total Cash Advance Limit $2,5~ Customer Center Payment Address: Payment Due Date 09/17/09 Available Revolving Credit 59,636 1-888-763-5655 HSBC CARD SERVICE Available Cash Advance $2,500 P.O. BOX 80082 PO BOX 37281 Current Payment Due ' r 515.0 # Days This Billing Cycle 31 Salinas, CA BALTIMORE MD Pa e 2 of 2 93912-0082 21297-3281 'See About Your Payment on reverse for an explanation of these amounts. Visit us at www.gmcard.com **********CARDMEMBER NEWS*******'"* Secure Registration at: gmcard.com/login. Track spending, pay your bill and update personal information online with Account Access. ALL NEW CHEVY EQUINOX. When Chevy set out to design a new five-passenger crossover, they put their best thinking into its fuel efficiency, safety, and design. The result is the all new Chevy Equinox. To learn more, go to chevy.com/equinox. .~. ~_ ~_ Quick Look Account Summary ® G M C ard Statement Date 9/23109 Account number 55231808 0042 7863 New Balance $98.59 Total Revolving Credit Limit $10,000 Minimum Payment' $15.00 Total Cash Advance Limit $2,500 Customer Center Payment Address: payment Due Date 10118109 Available Revolving Credit $9,901 1-888-7635655 HSBC CARD SERVICES Available Cash Advance $2,500 P.O. BOX 80082 PO BOX 37281 Current Payment Due' 515.0 # Days This Billing Cycle 31 Salinas, CA BALTIMORE MD Pa e 1 of 1 93912-0082 21297-3281 spp nhout veur Pavment on reverse for an exalan ation of these amounts. Visit us at www.gmcard.com Transaction Date ~ Post Date 08/24 08125 09!12 09/14 09/16 09116 09/18 09119 09/18 09119 nortfl n4nt Description MEDCO HEALTH FT WORTH 08008887010 TX GIANT FUEL #263 ENOLA PA PAYMENT -THANK YOU GIANT FUEL #263 ENOLA PA MEDCO HEALTH FT WORTH 08008887010 TX MF[xo HEALTH FT WORTH 08008887010 TX Amount ~ Reference Number $42.00 MT092370078000010093729 $25.36 MT092570071000010322157 $363.02 CR 2091609A038480321162501 $11.23 MT092620073000010038816 $10.00 MT092620077000010089543 $10.00 MT092640075000010114788 ............ .........................:...:. a ..u... ...................-..... .: ~:.:.f...v...:._ .. . i :.... ..aT ......... ..... ....._.i ...:...... .......... .... ......... ..c _.._:. _... .... .._a_ ....:.........~..n........_:,......_..._..__ :hnG:i r.:n:x,m:::r,urzi~::m~:a:n::n:v:::::r.,:u:nh:,c,:5:,::; ..... .... ......... .... .......................... ................ ... .......a...u.........:.:..... .............: r.:. :::::::.:. :_u.........:... ......................s...:............................ _....:... . .......f....._......._._................_......_.:....:.........._:........__„ ................................................... ._...... :c:;.::::. :...:._.~.. .....-..... .......:....................................:. :::::::r.:::r:cu:::p:uu: a:yn~yn ............:..... ...... ..... .....:..... !.. _.............. n.a.....a..a.. ... ..... ....... ... ........ ...... .. ................... ..._........._.....n....._...........a... ._.h.~. ,y~. y~ ~j,~ r~ ....._._.... .........._.;:: .. .ll.~t~l:F~:~S/~YIF _..-..................:....::::::::::,::r::..:.•:::::-:r:•:i::::::::::r.:ae:_. a ._. ~:::ua_......_v ............ ._.... --;~: m:Ed..... ....nh :....::ar. .._.a "•-EEC iie~ ~ i~:ici~ iii::: is is~;t ieii?ir..i:°i _:.:e::_:::::::. Previous Balance -Payments and Other Credits + Purchases, Cash Advances, + Finance Charges =New Balance Fees and Other Debits $363.02 $363.02 $98.59 $0.00 $98.59 ....:::::•:•:•.. ::::::.::::::::::::_:,:::,,:,:,::•::::::,.:::.._..... ......-,_:•:::•::::::::.......-..... ~ :......:..... ...... ~ :.:.:.:.............. :,::,n::,,::::::,:x:~:,:,,,h:::::::~ <::=:::::::::::::R:::::,,....._.._:.,...,........a.._:_..,::,:: :.....; .... , ..: a: ~ ...:...::....::.R: ... ,.,.:: 4.:. :,, .:: ...._........._..._......_ ................. ::::::i.i{yi.t:.•7 ii! If :iln Er:,{.h.aE.ISn........t,_I:!........I ..a...._ .i .............s's:....,as.,;ES~~e~_ti~~.~3}w~'!~~~:Sa ,,# _ .................. :~ :::::::_:::::::::e :.,...,. ,...v.......... --, .._. - .._ ............_.............. r'~:~:::tai:i:ii:::E~<s;i.iit: ,.,:...,......::...,:..,...;~. ' ...... ..::. €:?:i~iE='.iili'iii'i~ `ii=€is :iE:tt.... ,L............. i`:i`i':5555-:~~;:•;;:is+:a:i~a;~aE:[:t;':~;iuSii'• Average Daily Daily Periodic Nominal Annual Finance Cash Advance! Annual Balance Rate Percentage Rate Charge Transaction Fees Percentage Rate $0.00 0.03217%(v) 11.74%(v) $0.00 $0.00 0.000% Purchases $0.00 0.05751 %(v) 20.99%(v) $0.00 $0.00 0.000% Cash Advances v indicates variable rate ........................................r.............. , ................._.E:...:::. _.................:._...................,..n..,.,.. •......_5:::::::::~!:::::::::-::_:::::::ft11 :x• :::::::::::::::•:::::::: : -..:::...::..........,:::,:~::::::::::-::::::::: ...... :::::::::-:... ~:~3t,11)~i0~€.:::::= ::.:::::::::::::::::.__.-::._....._:.::: :::::. V:::::::::::::::::r::::::-..:::::-:::.::::::: ::::::~::: ~ :::::::: i~i~i z, ::::::-:::::::::::: ,....:.<:: ea E 'in diiliLsiiii ...........,.........E..E.._.._.,............_.._..-... Previous Earnings $2,403.97 New Earnings Total 52,408.90 Earnings Received $4.93 Anniversary Date 6/1/93 Additional Earnings $0.00 Anniversary Y-T-D Earnings $75.81 Earnings Adjustments $0.00 Lifetime Earnings Redeemed $3,599.09 Current Period Earnings $4.93 1003105 23 STMT91 J 01-01 004182/GM GWA1 (Please detach and return bottom portion with payment and retain top portion for your records. Do not staple or clip your check to the form below.) HSBC IZ- account Number 5523 1808 0042 786: Payment Due Date 10/18/09 New Balance $98 59 Current Payment Due 515.00 Include account number on check to HSBC CARD SERVICES. Do not send cash. Send payment 7 to 10 visft gmeard.eorr~ days prior to Payment Due Date to ensure timely delivery. tSee reverse for more information ~l to manage your Account online Amount Enclosed ROBERT L YOUNG 124 N ENOLA DR ENOLA PA 17025-2520 ~n~l I i~l ~~ I~ it il~ ~I~Ir ~ III it I II II 1 I VIII I I IIII 111 ~ 111111 ii II I III S IIIII'llllliilllll'1iIIII1111111~11111111111111111i11'lllllll'll HSBC CARD SERVICES PO BOX 37281 BALTIMORE MD 21297-3281 0001500 0009859 5523180800427863 7 Quick Look Account Summary ® G M C a fd Statement Date 10/23/09 Account number 5523 1808 0042 7863 , New Balance $879.34 Total Revolving Credit Limit $10,000 Minimum Payment' $15.00 Total Cash Advance Limit $2,500 Customer Center Payment Address: Payment Due Date 11/17109 Available Revolving Credit $9,320 1-888-763-5655 HSBC CARD SERVICES Available Cash Advance $2,500 P.O. BOX 80082 PO BOX 37281 Current Payment Due ' ---- 515.0 # Days This Billing Cycle 30 Salinas, CA BALTIMORE MD Pa e 1 of 2 93912-0082 21297.3281 • CPP Ahe~~4 Veur Payment o n reverse for an eXDlanatlOn Of theS@ amOUntS. Visit us at www.gmcard.com Transaction Date ~ Post Date ~ Description 09/23 09124 GIANT FOOD #263 ENOLA PA 09/29 09/29 MEDCO HEALTH FT WORTH 08008887010 TX 09/30 10/01 GIANT FOOD #263 ENOLA PA 10/02 10/02 PAYMENT -THANK YOU 10/04 10!05 GIANT FOOD #263 ENOLA PA 10/05 10/06 GIANT FOOD #263 ENOLA PA 10112 10/13 GIANT FOOD #331 MECHANICSBURG PA 10/13 10/15 BIG LOTS #01 41 0001 41 34 CAMP HILL PA 10/18 10/20 AUTOPAYlDISH NTWK 800-333-3474 CO Previous Balance -Payments and Other Credits + Purchases, Cash Advances, Fees and Other Debits $98.59 $98.59 $679.34 Amount I Reference Number $21.00 MT092670076000010077346 $10.00 MT092720077000010090980 $21.00 MT092740073000010026246 $98.59 CR 2100209A038582971265301 $22.90 MT092780072000010089750 $19.89 MT092790073000010033918 $107.58 MT092860075000010092476 $423.98 MT092880070000010048261 $52.99 MT092930075000010131835 + Finance Charges ~ =New Balance $0.00 I $679.34 ..........._.~~ ..:....:.:.:.:~:.:::.._. ..._............,..... _.;............._........ . _.....- - ........................ ~ l~tit~f#:i€i`;~it°°' .....~IftBi[t1*~.; 9.~~.w.~. ~i'sl:t:~:'i~~ ~: ~E~::E:;~ i~~`•`.ii?~ii~`:`is~€i'€ ~iii!~':'ii_i it ~... :::::::::::::::~:.-;;:_...... Average Daily Daily Periodic Nominal Annual Finance Cash Advance/ Annual Balance Rate Percentage Rate Charge Transaction Fees Percentage Rate $0.00 0.03217%(v) 11.74%(v) $0.00 $0.00 0.000% Purchases $0.00 0.05751%(v) 20.99%(v) $0.00 $0.00 0.000% Cash Advances v indicates variable rate ........... .............. ~:['sa;;i:~ i'="i;ii!:; ;~ iti=; ~ ~W ; _iii~~=~ ~iiiei i'=.iiii~aii'i=ii':iiiii ~i°:':ii Previous Eamings $2,408.90 New Earnings Total 52,442.87 Earnings Received $33.97 Anniversary Date 611/93 Additional Earnings $0.00 Anniversary Y-T-D Earnings 5109.78 Earnings Adjustments $0.00 lifetime Earnings Redeemed $3,599.09 Current Period Eamings $33.97 1003105 23 STMT91 J 01-02 004146/GM GWA1 (Please detach and return bottom portion with payment and retain top portion for your records. Do not staple or clip your check to the form below.) HSBC ID account Number 5523 1808 0042 786: Payment Due Date 11/17/09 Vew Balance $679.34 Current Payment Due 515.00 vtstt l711eard.eom Include account number on check to HSBC CARD SERVICES. Do not send cash. Send payment 7 to 10 9~ to manageyourAccourrt online days prior to Payment Due Date to ensure timely delivery. tSee reverse for more information Amount Enclosed ROBERT L YOUNG 124 N ENOLA DR ENOLA PA 17025-2520 ICI ~ ~ 1..1 ~ ~ III ~~~~~ I,II ~~~ I I I ...I. ~ III III IIII III I I III I I I IIII I III II S c~ II~I~II~I,I~IIII~IIIIIIIIII,~~I,III~IIIIIIIII~IIIIIII~I~I~I~IIIIII HSBC CARD SERVICES PO BOX 37281 BALTIMORE MD 21297-3281 0001500 0067934 5523],80800427863 4 Quick Look Account Summary G iNl C d rd Statement Date 10/23/09 Account number 5523 1 808 0042 7863 New Balance $679.34 Total Revolving Credit Limit $10,000 Minimum Payment • , $15.00 Total Cash Advance Limit $2,500 Customer Center Payment Address: Payment Due Date 11/17/09 Available Revolving Credit $9,320 1-888-763-5655 HSBC CARD SERVICE Available Cash Advance $2,500 P.O. BOX 80082 Salinas CA PO BOX 37281 BALTIMORE MD Current Payment Due' 515. # Days This Billing Cycle 30 , 93912-0082 21297-3281 Pa e 2 of 2 'See About Your Payment on reverse for an explanation of these amounts. Visit us at www.gmcard.com * * * * * * * * Important Information * * * * * * * * * * * * * TDD/Hearin Im aired:1-800-685-9020. **********CARDMEMBER NEWS********** Online Account Access lets you take control of your Account anytime, anywhere. Registration is easy, secure and waiting for you at gmcard.com/login. Quick Look Account Summary _ ® G M C ard Statement Date 11 /23/09 Account number 5523 1808 0042 7863 New Balance $301.79 Total Revolving Credit Limit $10,000 Minimum Payment ` $15.00 Total Cash Advance Limit $2,500 Customer Center Payment Address: Payment Due Date 12/18/09 Available Revolving Credit $9,698 1-888-763-5655 HSBC CARD SERVICES Available Cash Advance $2,500 P.O. BOX 80082 PO BOX 37281 Current Payment Due ` ~ 515.0 # Days This Billing Cycle 31 Salinas, CA BALTIMORE MD -- Pa e 1 of 2 93912-0082 21297-3281 Visit us at www.gmcard.com Transaction Date ~ Post Date 10/23 10!24 10/29 10/31 10/30 10/31 10/30 11 /02 10/30 11 /02 11 /05 11 /06 ~~ 11 /09 11 /09 ~~ 11/12 11/13 .~ 11117 11/18 -"~~ 11/17 11/19 • See About Your Payment on reverse for an explanation of these amounts. Description GIANT FUEL #263 ENOLA PA MEDCO HEALTH FT WORTH 08008887010 TX GIANT FUEL #263 ENOLA PA LAWRENCE CHEVROLET INC MECHAN-CSBURG PA MEDCO HEALTH FT WORTH 08008887010 TX GIANT FUEL #331 MECHANICSBURG PA PAYMENT -THANK YOU GIANT FUEL #263 ENOLA PA GIANT FUEL #331 MECHANICSBURG PA ei iTno evin!cu N-RA/l( Rnn_~~~_~d7d CO Amount ~ Reference Number $21.65 MT092970072000010030190 $10.00 MT093040075000010093302 $25.34 MT093040073000010034422 $80.29 MT093060071000010238680 $10.00 MT093060071000010390320 $27.10 MT093100071000010037187 $679.34 CR 2110909A038700331222701 $24.59 MT093170073000010039394 $26.51 MT093220072000010036914 $76.31 MT093230075000010128622 ,,..L,v, nnn ,....,..u6......ma, ........................__._... ............... ..... ............. .................:.: ...,...: ...n,. r ... ......................:::::::::~::::::::-:-: ::::: ~ ~,:::..,.::=~ =:::::::::::::::::::,:::::::!!~:i!:~ tt::t::t~ ~::~::: ~::~ t:~::! it:::<-;~ t!:::!ri~:a:<::~? n:.::::::c:::::::~ :::::::::::::::::::::::::::^:.r-::_ •:::::iN'i3iif. sii!i3 ....,.._.,..... .. ,v,..,........., ;;i;ei;~,~<<;«~: !i;l,€i~~ ~~iii~ ii?i?3Ef?i~ its°€i'sii~~;i~si€iliis€ iiFi[ri"~':'iiiiieF.!ir.'i!!ir.'iE:i!i;ii:i::F'ii'S~iiiSiidiiriii:liEiFiriiF Previous Balance -Payments and Other Credits + Purchases, Cash Advances, + Finance Charges =New Baiance Fees and Other Debits $679.34 $679.34 $301.79 $0.00 $301.79 .._. ~~ .iii=~is'ti;~i~ls's"iii ;est!!;!s;s!a~ii::. .~ ~~ .^~ ~~ Purchases Cash Advances o vindicates var Average Daily Daily Periodic Nominal Annual Finance Cash Advance/ Annual Balance Rate Percentage Rate Chaf9e Transaction Fees Percentage Rate $0.00 0.03217%(v) 11.74%(v) $0.00 $0.00 0.000% $0.00 0.05751%(v) 20.99%(v) $0.00 $0.00 0.000% ........_ ................_................ ..............:....::::::~~::::: .._.._ ........:......................... ,:::::.$ ':' ::::::::,:...::,,::::::::::::,::::::,::::: ~:::~ ~:: ; ~~~!~ ;: ~~:;!!se:i;~::aua:iic '. ::~[~tS1M~T:j~'is~i;;~~i.;iii':~~s~ii ~ !t.:<!:::.!: ~:!:::;±;::~ ![:v:.=.s:i:::!:!!![a[!::ttt ii='i=!ii~ii'I:c'!;;iiiisi~:ii;"i':S'iii"s' Previous Earnings $2,442.87 New Earnings Total $2,457.97 Earnings Received $15.10 Anniversary Date 6!1!93 Additional Earnings $0.00 Anniversary Y-T-D Earnings $124.88 Earnings Adjustments $0.00 Lifetime Earnings Redeemed $3,599.09 Current Period Earnings $15.10 :................................._....,:: 74 ' ....:.13x1 F ............ #IL117 ,:ari ::=:~::::~:::: ~~:::::::,;:!:!_::::: Expired in November 2009 $0.00 Expiring in December 2009 $18.57 Expiring in January 2010 $13.95 Expiring in February 2010 $4.56 1003105 23 STMT91 J 01-02 004126/GM GWA1 (Please detach and return bottom portion with payment and retain top portion for your records. Do not staple or clip your check to the form below.) HSBC 1~ Account Number 5523 1 808 0042 786 Payment Due Date 12/18/09 New Balance $301.79 Current Payment Due 575.00 Include account number on check to HSBC CARD SERVICES. Do not send cash. Send payment 7 to 10 ri=ft gmeard.com days prior to Payment Due Date to ensure timely delivery. tSee reverse for more information ~I to manage your Acwurrt online Amount Enclosed ROBERT L YOUNG 124 N ENOLA DR ENOLA PA 17025-2520 iiii~~i~li~iiiiiiii~li~~ili~l~i~l~lliiii~iiiiiliii~i~li~ilil~iiil g ~iilili~~~~~i~l~~~i~lll~l~~~~~~ili~ilil~~~i~l~lil~llillii~l~i~i~l HSBC CARD SERVICES PO BOX 37281 BALTIMORE MD 21297-3281 0001500 0030179 55231808D0427863 5 Quick Look Account Summary G M C ard Statement Date 11/23/09 Account number 5523 1808 0042 7863 New Balance $301.79 Total Revolving Credit Limit $10,000 Minimum Payment' $15.00 Total Cash Advance Limit $2,500 Customer Center Payment Address: payment Due Date 12/18/09 Available Revolving Credit 59,698 1-888-763-5655 HSBC CARD SERVICE Available Cash Advance 52,500 P.O. BOX 80082 Salinas CA PO BOX 37281 BALTIMORE MD Current Payment Due' 515.0 # Days This Billing Cycle 31 , 93912-0082 21297-3281 Pa e 2 of 2 'See About Your Payment on reverse for an explanation of these amounts. Visit us at www.gmcard.com * * * * * * Important Information * * * * * * * * * * TDD/Hearin Im aired: 1-800-685-9020. ******'*`*CARDMEMBER NEWS***""*'* Online Account Access lets you take control of your Account anytime, anywhere. Registration is easy, secure and waiting for you at gmcard.comllogin. CHEVY TRAVERSE. Recognized with critical acclaim since its debut, Traverse offers both beauty and usefulness for less than you'd expect. To learn more, go to chevy.com/traverse. Quick Look Account Summary ® G M C ard Statement Date 12/23/09 Account number 5523 1808 0042 7863 New Balance $479.79 Total Revolving Credit Limit $10,000 Minimum Payment • $15.00 Total Cash Advance Limit $2,500 Customer Center Payment Address: payment Due Date 01/17/10 Available Revolving Credit $9,520 1-888-763-5655 HSBC CARD SERVICES Available Cash Advance $2,500 P.O. BOX 80082 PO BOX 37281 Current Payment Due ' -- 515.0 # Days This Billing Cycle 30 Salinas, CA BALTIMORE MD - - Pa e 1 of 2 93912-0082 21297-3281 'See About Your Payment on reverse for an explanation of these amounts. Visit us at www.gmcard.com `~ yyy.. ,~{{ ,~,,,~,,yy.I~-A!fiiii ..........~.........,_ ............................ .......a.~-. ...... ............................-........b..........~.........,,... ~y~p .. .............._.............. .. . ~ :: ~ ...........-..... _........ ................... ...._...... .ieM1i~_~~7.i~~4i'~ ...._ ........ ... .... .. .. ..... ..... .... .. .... ~~..1~~~#~'.... ... .... ............ ... _.. ...............................~........ .. . ~e < < ~ u~ « ~ ~ . . ~ iv. i e~ fi ~ S 7 . s. e. • ............. cu::::::::. i?:e:;:,~::.~•::+:i~'F:°'.c:..._....,:c;: a~..~...~~.~.~.~...~............ . ...v.......::•~ ....................... a::,rr.:::......_..~..~..i~.... ... ~r.:,:a::i:.c::_::: .... ..... ........_......n:::~:..........r.:::::~:c::n::::::::::: ~rz: : : ... ........... ... ... . ... ._ . .. ...........~..~........ .. . . . . _ .._ss..v _.. . . ~._. .................................... . .. ........s ._. _ ........................................ . ..n .... ~... ..n.. rz.<.u~... nnwrtua.... n...c.«mn.n ~ ~ ~ Fir ~d~F rt t` Ct ... _......_...................... n::::::~ ......... .....................:hiic!e it ;r°: +_:? t ,:t t ai ..._............_ _...... ,. ,~ ~..~._... ... ,,...,,Y..,..~, .n,.,,.~,.,,, ~ .............._...,,, .... r..........._....._ i .................., .._............ ...... ..,., ..................~............ .a ....................................... .... ..........._........... . ........... : rrr.:::r.::...r.••.~_.. ...v............ ..-•n,:::m:::::::.: :::s_:_: :-a rv::xnm::: c : t~ R ' ........_.._. .. ......................s...... .. ;u u ;;; °u:: .:.......... r.. ..~..-r. ..:. :.. . . vn:rzmv...,v .. ... ..~....~..un..am.u~ u~;y~i .u~im~dn t 4 .. f .............. ..~t . _.:,~,~,~::,~,,~,,. ~,: ................. ..... Transaction Date Post Date i .. ::.......... .~...r.:cc~a:: rx:r::c::~ : ................. : r~ . .................._ . ...... ......... p ~ Descri tion Amount Reference Number 11/23 11124 MECHANICSBURG CARP MECHANICSBURG PA $336.93 MT093280076000010132743 11/27 11/28 GIANT FUEL #331 MECHANICSBURG PA $29.26 MT093320072000010029801 12/01 12/02 GIANT FOOD #263 ENOLA PA $63.00 MT093360075000010083090 12/04 12/05 GIANT FUEL #331 MECHANICSBURG PA $30.61 MT093390071000010081476 12!14 12/15 GIANT FUEL #263 ENOLA PA $23.29 MT093490072000010082914 12/14 12!15 PUFF N SNUFF ENOLA PA $50.69 MT093490076000010140130 12/14 12/16 DISH NETWORK-ONE TIME 800-333-3474 CO $53.99 CR MT093500076000010172719 .,,,e ,~~,e oev~eer.ir _ rueniu vni i $301.79 CR 2121609A038952361 71 31 01 ........._ ..................... ......... ,.....~.......... ........ ...... .. .................... .............__..............._.. ._ ................... r :.:m.:_nv~icE'ri:F•i.: :... ........ ..... x:- _ ................................... ................ .......,..... ., ..................r.: ............._. ..._4......_..._.=....x..~.~.-.. .........,_..F .~....~................... ..........a::r. :::::.:a::::::s.:~...........::•i-~~:::~:,::::::isiE:F.i:.^.i:::::::r::::::: ~:z:::a:L•::::::::::~ ~ ~::::;::: i[Ei:i~iiiE:::: ~F"r~:iii?::?'S: ::::::::::::::::::~::_:::-:-::::: ::.. Previous Balance y - Pa ments and Other Credits + Purchases, Cash Advances, ;Finance Charges =New Balance Fees and Other Debits $301.79 $355.78 $533.78 $0.00 $479.79 Purchases Cash Advances v indicates variable Average Daily Daily Periodic Nominal Annual Finance Cash Advance) Annual Balance Rate Percentage Rate Charge Transaction Fees Percentaae Rate $0.00 0.04107%(v) 14.99%(v) $0.00 $0.00 0.000% $0.00 0.06822%(v) 24.90%(v) $0.00 $0.00 0.000% N*~r~ir} s.s mflna Previous Earnings $2,457.97 New Earnings Total 62,488.35 Earnings Received $23.98 Anniversary Date 6/1!93 Additional Earnings $0.00 Anniversary Y-T-D Earnings $148.86 Earnings Adjustments $6.40 Lifetime Earnings Redeemed $3,599.09 Current Period Earnings $30.38 1003105 23 STMT91 J 01-02 004112/GM GWA1 (Please detach and return bottom portion with payment and retain top portion for your records. Do not staple or clip your check to the form below.) HSBC 1.:/ Account Number 55231808 0042 7863 Payment Due Date 01/17/10 New Balance $479.79 Current Payment Due 615.00 Include account number on check to HSBC CARD SERVICES. Do not send cash. Send payment 7 to 10 vrstt gmeard.eom days prior to Payment Due Date to ensure timely delivery. tSee reverse for more information 1l to manage yourAccourrtonline Amount Enclosed ROBERT L YOUNG 124 N ENOLA DR ENOtA PA 17025-2520 0 ° i~lli~~iil~~~~i~lii~ili~~~iil~i~~~li~ilii~iil~llliriiiii~lii~li~i Ilill~i~ii~ill~i~~~~i~i~l~i~~l~i~~~il~~l~~i~~~illilil~llililiii~~ HSBC CARD SERVICES PO BOX 37281 BALTIMORE MD 21297-3281 0001500 0047979 5523180800427863 9 Quick Look Account Summary ® G M C ard Statement Date 12!23/09 Account number 5523 1808 0042 7863 New Balance $479.79 Total Revolving Gredit Limit $10,000 Minimum Payment' 515.00 Total Cash Advance Limit 52,500 Customer Center Payment Address: payment Due Date 01/17/10 Available Revolving Credit $9,520 1-888-763-5655 HSBC CARD SERVICE Available Cash Advance 52,500 P.O. BOX 80082 Salinas, CA PO BOX 37281 BALTIMORE MD Current Payment Due ' 515.0 ;a Days This Billing Cycle 30 93912-0082 21297-3281 Pa e 2 of 2 V1sIt us at www.gmcard.com 'See About Your Payment on reverse for an explanation of these amounts. * * * * * * * * * * * * * * * Important Information * * * * * * * * * * * * * * * TDD/Hearin Im aired: 1-800-685-9020. **********CARDMEMBER NEWS********** Online Account Access lets you take control of your Account anytime, anywhere. Registration is easy, secure and waiting for you at gmcard.com/login. Introducing the new standard for luxury crossovers, the all-new 2010 Cadillac SRX. To learn more, please visit CADILLAC.COM/2010SRX. Quick Look Acc ount Summary G M C ard Statement Date 1124110 Account number 5523 1808 0042 7863 New Balance $628.11 Total Revolving Credit Limit $10,000 Minimum Payment' $46.00 Total Cash Advance Limit $2,500 Customer Center Payment Address: Payment Due Date 02/18/10 Available Revolving Credit $9,371 1-888-763-5655 BOX 80082 P O HSBC CARD SERVICES PO BOX 37281 Available Cash Advance $2,500 . . linas CA S BALTIMORE MD Current Payment Due' 546.0 # Days This Billing Cycle 32 , a Pa e 1 of 1 93912-0082 21297-3281 'See About Your Payment on reverse for an explanation of these amounts. Visit us at www.gmcard.com ....................................................................r:::::::::::::::E:: .... ... .... .................:..._:.................z.:.,:...:.............................. ~ E ::~ ::::~:::!,::::::::::::::::::::::::::~!:::::: ., .........u ::............ ........:::..... .. .. :: :::: :.ti~.:....'..J~~i ....._...................a - . i;"I~..4N~SL.~"rr.#[t~..~~$~~it;"r'$i`~..~~A.. ~r 1 :~ :: ~ , , :: : : ~°[i`i's'~~sai Wii'ss~ ~isl's!Si~i `i"1~':':i '~ii_ ~f'ii_ ~ssi iiii~ ~ i~ =ii~~i " ~ii~ ~'si`~ ~~~`~hi lis'. ..... ~.._.. .. .. ............ ............. .. _........ ....:..:.:.......::......:. .:.. ,..... ... . ...... ........................r.............. ..::•::::: •:::~ :: i s a,,.. , .. .; .... ~::::~ ~: .. ........................~.. :. ....................................................::...:::::::•.:::.:._::_:...:..:...:...._...................._............... ... ~ ~.. b.#t~.'Ih1V1tYV. i11't~.`lilrl~.~~Ct ::::~:::::::::: _......_ .................._.............a...._..... ... ........................... Fzrr...addttlrrn~ll.. rts~~ct~t~.>r! 1~.... .c..,..,:.u:.,.uu.v :.......:....n:..,...:._m...._..u........ ................._~............_................................................:.:.............:-..-..v....... ... ~ ...... .....:_......_ .....................v................_......................._............. .. :.............................. .:,:,r.:::::c.::::,::u:::::::::~ :ru,:::m:rcr::as::r::::c :::::::.::...................................................... ........ :::::::::rrr-r:^::!::~ ~~':r:::::-::::r :::::::::::::::~ ::~ ::::::~: r::.::::::u:::::::::.:..:................u ::n::v:::zs:<:~'sr:~::::;:;Eaa<:::is:;c„~E,::E,:,tiEe:a,.,E.EE~~~.: _.......,...,...:::::~::::::::-:::::::::-::::::::..:::.::::::::......::.:..,.....:. ..::..:cr.:: 1...E......t.r..iii:ii~iFiiiiii: ... Transaction Date Post Date Description Amount Reference Number 12122 12124 CVS PHARMACY #1626 Q03 MECHANICSBURG PA $57.17 MT093580071000010119348 12/23 12124 GIANT FUEL #263 ENOLA PA $25.85 MT093580071000010100022 12/31 01/01 GIANT FOOD #331 MECHANICSBURG PA $47.99 MT100010074000010063112 01/06 01/08 MEDCO HEALTH FT WORTH 08008887010 TX $352.00 MT100080076000010105549 01/17 01/17 LATE CHARGE ASSESSMENT $29.00 19999999980000999935490 01/19 01/20 PUFF N SNUFF ENOLA PA $105.78 MT100200076000010118487 01/21 01/21 PAYMENT -THANK YOU $479.79 CR 2012110A039130091003801 ............ ..:::.::; ._::.::~ ::::::::: :::::::::::::~::::::~::::::~: r : ~~~ ~::: ....................tR,:::::,::E::::,::::E<sa~<:::E: ::a~ EattG ~r:E;:°ast;;:.:E~ ::,,,,:::, ,:::::,::::,::;;;;,:::::~.: ,;~ t:::::: Previous Balance -Payments and Other Credits + Purchases, Cash Advances, + Finance Charges =New Balance Fees and Other Debits $479.79 $479.79 $617.79 $10.32 $628.11 Average Daily Daily Periodic Nominal Annual Finance Cash Advance/ Annuat Balance Rate Percentage Rate Charge Transaction Fees Percentage Rate $785.40 0.04107%(v) 14.99%(v) $10.32 $0.00 14.990% Purchases $0.00 0.06822%(v) 24.90%(v) $0.00 $0.00 0.000% Cash Advances {v) indicates variable rate ....~............~:....~.. ~....... .......................... E::,:::~: ~:::::::::,::::::::::::_:::.::::::::::::.: _...~...:.:: ....................... .......................r.............................,......,.,... ............................................................................................. ..........._.... ........,.,...... .................. #1 ~.......... ................................... s: .................... .... .._ ......................._ ....................G. ....................:.. . ......_ .........................................._....... Previous Earnings $2,488.35 New Earnings Total ~- $2,499.22 Earnings Received $29.44 Anniversary Date 6/1/93 Additional Earnings $0.00 Anniversary Y-T-D Earnings $178.30 Earnings Adjustments $18.57- Lifetime Earnings Redeemed $3,599.09 Current Period Earnings $10.87 * * * * * * * * * * Important Information * * * * * * * * * * * * * * TDD/Hearin Im aired:1-800-685-9020. 1003105 23 STMT91 J 01-01 006714/GM GWA1 (Please detach and return bottom portion with payment and retain top portion for your records. Do not staple or clip your check to the form below.) HSBC C- Account Number 5523 1 808 0042 786 Payment Due Date 02/18/10 New Balance $628.11 Current Payment Due 546.00 visit meard.eom Include account number on check to HSBC CARD SERVICES. Do not send cash. Send payment 710 10 9~ to manageyourAccountonline days prior to Payment Due Date to ensure timely delivery. tSee reverse for more information Amount Enclosed ROBERT L YOUNG 124 N ENOLA DR ENOLA PA 17025-2520 N 0 i~lili~iiiiiii~~liliilli~~~iliii~~i~~iiiiil~l~~il~iil~ll~ii~i,llii Il~i~ii~iliii~iii~i~ili~li~~~li~ii~illiliiiii~i~iili,iiii~l~l~li~ HSBC CARD SERVICES PO BOX 37281 BALTIMORE MD 21297-3281 OOD4600 0062811 5523180800427863 4 i~~ ~ °' ~~~Z,~~r''~ ® G M Card Q GM Card World Card World MasterCard Card Account Account Number 5523 1808 0042 7863 ROBERT L YOUNG Pa e 1 of 2 From Janua 24 2010 to Februa 23 2010 Previous Balance ~ $628.1 - $617.79 Payments - $0.00 Other Credits + $274.94 Purchases/Debits 00 + $0 Balance Transfers . 00 + $0 Cash Advances . $0.00 Past Due Amount 00 + $0 Fees Charged . 49 + $5 Interest Char ed . $290.75 New Balance Revolving Credit Limit $10,000.00 Revolving Credit Available $9,709.25 Cash Limitfi $2,500.00 500.00 $2 Cash Available Statement Closing Date , February 23, 2010 Days in Billing Cycle 30 tCash Limit is a portion of Total Credit Limit. New Balance Minimum Payment Due Payment Due Date $290.75 $15.00 March 20, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee from $19.00 to $39.00 and your APRs may be increased to the Penalty APR of 30.99%. Minimum Payment Warning:lf you make only the minimum payment each period, you vvill pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional You will pay off the And you will end up charges using this card balance shown on paying an and each month you pay... this statement in estimated total of... about... Only the minimum 23 Months $3~` Payment If you would like information about credit counseling services call in ~,~ 1-866-569-2227. ~~ ~~ Payment Address: HSBC Card Services, PO Box 37281, Baltimore, MD ~'~' Questions? "~" 24Hour Automated Account Information 1-888-763-5655 21297-3281 ~~ 1-888-763-5655 Billing Inquiries: Customer Center, P.O. Box 80082, Salinas, CA 93912-008 ~' Espanol _. ,.__~ 1-877-213-0779 Manage Your account online at vwyw.gmcar .com N 0 0 a 0 0 0 Description of Transaction or Credit TARGET 00022020 MECHANICSBURG PA GIANT FOOD #331 MECHANICSBURG PA MEDCO HEALTH FT WORTH 08008887010 TX MEDCO HEALTH FT WORTH 08008887010 TX GIANT FUEL #331 MECHANICSBURG PA MEDCO HEALTH FT WORTH 08008887010 TX CVS PHARMACY #1626 Q03 Reference Number 2020510A039250971645901 Reference Number MT100320070000010149584 MT100320070000010228085 MT100320075000010102493 MT100320075000010102503 MT100360072000010061188 MT100370076000010077246 MT100420070000010075003 Amow -$617. i -$617. :;;~; ~:ilfii!6?'"~'''' Amou $20.~ $116.' $20. $42. $27. $10 $23 100310 5 25 OOOOOOOOOO STMT91 D J 5126 GWA1 See reverse side for important informati< Detach and return bottom portion with your payment. --------------------------------------'-'-- ---------------------------------------------- ---------------- Account Number: 5523-1808-0042- H~~c ~~~ New Balance $29~ Description of Interest Charge Amoun INTEREST CHARGE ON CASH ADVANCES $0.01 INTEREST CHARGE ON PURCHASES $5.4! INTEREST CHARGE ON BALANCE $0.0~ TRANSFERS $5.4' Total Interest For This Period ... :::: tads'dear;ta_10~e<<''~1~i=~~<,....... ~~ _ Total fees charged in 2010 $0.00 Total interest charged in 2010 $5.49 Balance Subject to Interest Rate $445.66 $0.00 $0.00 ~~ Earnings Expiration N Q O M O N O O O O O Previous Earnings $2,499.22 Expired in FEBRUARY 2010 $0.00 Earnings Received $13.75 Expiring in MARCH 2010 $15.00 Additional Earnings $0.00 Expiring in APRIL 2010 $12.90 Earnings Adjustments -$13.95 Expiring in MAY 2010 $31.70 Current Period Earnings -$0.20 Total Bonus Shop Earnings a re included in the "New Earnings Total" section of your Earnings Summary and new GM vehicle. Log in to view your Bonus Shop Earnings at redeemable towards an eligible New Earnings Total _ $2,499.02 www.gmcard.com/views. , Anniversary Date 06/01/93 Anniversary Y-T-D Earnings $192.05 Lifetime Earnings Redeemed $3,599.09 100310 5 25 0000000000 STMT81 D J 5126 GWA1 ----------------------------------------------------------------------------- ® G M Card GM World Card MasterCard Account Statement Account Number 5523 1808 0042 7863 ROBERT L YOUNG Pa e 1 of 2 From Februa 23 2010 to March 26 2010 Previous Balance $290.7 - $290.75 Payments - $0.00 Other Credits + $611.04 Purchases/Debits 00 + $0 Balance Transfers . 00 + $0 Cash Advances . $0.00 Past Due Amount 00 + $0 Fees Charged . 00 + $0 Interest Charged . $611.04 New Balance Revolving Credit Limit $10,000.00 Revolving Credit Available $9,388.96 Cash Limitt $2,500.00 Cash Available $2,500.00 Statement Closing Date March 26, 2010 Days in Billing Cycle 31 tCash Limit is a portion of Total Credit Limit. New Balance Minimum Payment Due Payment Due Date $611.04 $15.00 April 20, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee from $19.00 to $39.00 and your APRs may be increased to the Penalty APR of 30.9996. Minimum Payment Warning:lf you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional You will pay off the And you v~ill end up paying charges using this card balance shown on an estimated total of... and each month you this statement in pay... about... Only the minimum 5 Years $859 Payment $21 3 Years $762 (Savings = $97 ) If you would like information about credit counseling services call ~~ 1-866-569-2227. _ ~~ ~-~ Payment Address: HSBC Card Services, PO Box 37281, Baltimore, MD ~'~ Questions? 24HourAutomated Account Information 1-888-763-5655 21297-3281 Espanol 1-888-763-5655 Billing Inquiries: Customer Center, P.O. Box 80082, Salinas, CA 93912-0082 . _ ,,._,__ ,.__., 1-877-213-0779 Manage Your account online at www.gmcard.com N V O 0 0 0 0 c~ Description of Transaction or Credit PUFF N SNUFF ENOLA PA SUNOCO SVC STATION CAMP HILL PA WAL-MART #1886 MECHANICSBUR PA SMOKER'S EXPRESS #1401 MECHANICSBURG PA CVS PHARMACY #1626 Q03 MECHANICSBURG PA MEDCO HEALTH FT WORTH 08008887010 Reference Number 2031110A039480401242001 Reference Number MT100600071000010374342 MT100600072000010070688 MT100600072000010054725 MT100690073000010074943 MT100710071000010084321 MT100720072000010110614 Amout -$290.7 -$290. i Amour $52.' $33.t $74i $50.' $30. $10. 100310 5 25 0000000000 STMT91 D J 13507 GWA1 See reverse side for important informatic Detach and return bottom portion with your payment. -------'------' ------------- ------------------------------------------------ Account Number: 5523-1808-0042-7i HSBC ~~~ New Balance $611 - Q~~ ® G M Card GM World Card MasterCard Account Statement Account Number 5523 1808 0042 7863 ROBERT L YOUNG Page 2 of 2 From February 23 2010 to March 26, 2010 03/16/10 03/17/10 DAVIS COUNTRY LIVING MT100760073000010137567 $38.97 MECHANICSBURG PA 03/20/10 03/22/10 PUFF N SNUFF ENOLA PA MT100810072000010105729 $50.69 03/22/10 03/24/10 CVS PHARMACY #1626 Q03 MT100830071000010078066 $193.3 MECHANICSBURG PA 03/23/10 03/24/10 GIANT FUEL #331 MECHANICSBURG MT100830071000010064343 $77.61 PA $611.0 Total Purchases For This Period _ ____. Trans Date Post Date Description of Fees Reference Number __......__. ___..._ ........._..._..r....,r~:::-:--,-:..~...:m-„,:::n ...... ::,:::-:-r~;~=i:-i9i::;::~::.i"}-::::~:::i:;::.:i;ii:-:9,~:~!:~Fi9.*:9:,m::lii ::•rr~.,._:.... :.. ci .. ricmu::m n::::c::u:•: „nnn:u::a:vu:nr n n: , : . . , , . . .. r.:.....:.n .,.:. ___.._..__ ....._ _ ..............._..... ........9__3E_... .. ......_... ....._ .... ..._._...... .......................... .....:.:................a:.~..........................r:r^:::::r............. v. ........ .... .. , . mar. , , m.:ne..... ......._...._.... ...................... ..... r::....:.....:::.. ..... m: n,a:Sm:i...,n v: .:-:, ... .......... i.......:........ ....._.. ~rrmu::::::. .....; :,,vu,nn:~:: !F:a vn.:..::.. ::a:rz••: •;:G; :rm:•v.e::nw~ip;;a,;n•^•• :: :...........: . em : n..v rn .5nilf;.ih~rtrtu, nn ..: ...:mn.i,,.. .... ~ m u amu.an uu: :., nuv, inn ..unv i.'E ,_. ., .. _:...., u: , . , . 2.: .._.. .... ...... .... ..,. ,..........: 9 ...........: ._ ........ ... ....... . l ....n!. ......... ....i....... ......5.._..r...__........_. - .._.nn . ............... ..........., _ ........ .. ~..n... ..........___...... .gyn.. . :.. ..•:~:rn ~:n:a:ua:::;::r::c:::Eigm ...:.....:..............a....ns......,,._:......„....,,........ ..: ..._.........._........x............._.._._......._. .u.. .; ...::cu . ...........:..... .. ......... ..... ,:.m::::::n::e:r::a:::•c:e•::::u•_zr :• .._ __....... ' :igg:::u:?°fiq:::;::~:F:~n:~^iii:iiiiEi~i'isi~i:~~iiiiFii:~:F.^'i=i4•:~::~x :?:::_:,_:. ~:::~::::c:.:::::ar.:::::::::s:::::~~:....:_................ ..:.:.... :.. :....... :.:. :uu: :;. ... .. .. ~~ .m:~:~:::..,.;.....;;....::r•..r...n;.•: •:a:nnii'iE?'::ip: ...... ... ..... ... ... .......r..:i;i::::::e:: ._.. ...._ ._ 3,. m...:..:,.14v~.. .... n ......:.. ....... n.... :. n,nm.:..a..e..::. 76.:..,.F............ .... v _nn...i............ ...., vn............::... . n,u.uu...,um, ::::_v.n::•:••:..:". ......n.,. m..un.. re:.rdv. ::v....... _ ..,. ........u.....n,.n..,. s(.n.n.:n.• .....n . ........... .u..n:.r.~:.n , , .... ..............u...a._......v... ... S•. ............. - .......... ......._ .................................. ......................,............ _ ...... i~tt~r .......................... . .......s .:..........._.nn ..,....,. ,.,.,..:_:. ...:..rt.....rt.:,.,,,:,: n.:,.,n.,: :.....,. ......... . .......r .... ...:......................................._..... ....t.l,....:........ i._....,......... :.........a....._.._.._.... ....._....._............_....,:_.........,............_...n.............. .................__.___......_......._..... ~.. .... ......_.... .......... :. ~ .. , x :, s ` ` : _............. ...._.. . . .. .. ....... :......... .:_.:........... •.;:tt :! :-:e ,::_:;::-:a!; ,;u;~u_,a,,;uy_,!;;w.g~,~`.-`:' ::::::::::::::-.....::::.,:ng,.~,3„•; ; ~n:!,ry::=.::::::::::::::::~:::: ~*:::::: n:::::..,:m:::,::~rti ~ moun Description of Interest Charge ~~. INTEREST CHARGE ON CASH ADVANCES $O.OI ~~ INTEREST CHARGE ON PURCHASES $0.0~ INTEREST CHARGE ON BALANCE $O.Oi -~- TRANSFERS $0.0~ '~~ ~~ Total Interest For This Period .................................................................................. ............. ..... ....................r... ._ ....:........:............:........._:::., 41:~~~ ,:::,:::::,:- :::::::::::::::::::::::n:::::: , . . ~ ::1F1..I':~'~47!... ....... ._.. ......................_.... n:n..............;....._......... Total fees charged in 2010 $0.00 ~~ ~... ~~ Total interest charged in 2010 $5.49 ~~ ............................................................ ..........._ ........ ........._................. ....... :.:.::r.::._..s......... ...... ...........:.... a, .: ...........:...._ ...................:._.._.................................... x.....:................. ,,.._....................... _....................... .........a .........................._ ............_.....___..........:.._..... .............. ........... ........ ~.......:......... ........ ......... _.._........... ........._......... ......:a . ..... ......... ..: ..:.............rt, :...:.._..................... _ ............. ...... rt,.:. .....................:,.......... . .......... ,.. .. n.. .:...,n,........ nn,......,...._...,....._::::::::::::_:._._..... ...................... ._a,........ :::,,:.. .: .as..... _ n:.......,n ................. ...,.: .. :..... , _ _.t....:. ......:...,.i...mn,.., : .:I .. .... .r..... .. ..... .. ........ ..... ~l ............. ............. ...l.........._.............,.... ...:. .... .. _ ....... ...... ........... ...:r::::::~ u:n:iii'r.?iiieri-3?iii ~ni''i^:~ :`~ . ~+°~- ^::•r°:^:•i iii::iii£'riiiri"rinieFi~iii:iiii!i .. .. ............ ...u , ...................................:.... _.:.,..:.............:. ............... ....... .........................,_...u..:.n..n,.en,.,.: •+ ..............,...............:..:.,.... ..,.m,m.•• ......_.............., ..... ..i. :.. ,.:an.,.::., ....~...__.:....a.._....n,.n..:.,,!.,~i r......... f.:.. .. .. .............._.._......:..................... ..... .. ............. _........................... .. ............i......................... ..._..... ..... ...i.. .......__................. ..... _.......... ..... .._......... .. ......d.....:_..9............._..hi.......,.......,........................ r ......... ........._..........,_.._ ......................._.............. ere ........... ....:........_. .~.._......................... ,.............~........~....._.._.:._ _.... slr..lrl~a .........._.......... _......._.:.......~... _ _ ...... ... ... ...... ... ....... ,:.:. .. ............... ........ _.._.......... ....,........ ... ... ........_.. ...... ..... .. ........:~ :'f::rrr.::r..::•::•:::^::••::•:•:s:-:::.:::r:•::r.:::::;.:: iFiEi~eiiii::••m:rr,:: .u,. .., :. ,, ...... ..... ..... ...i,,.... .. .k .;;.,•! ............... ........ ... ................:...................., .......~:. ..n ,..,.:.: .. ........:... . ..._ :- . iF n... n ~.~. . . . Your Annual Percentage Rate (APR) is the annual interest rate on your account. .._....._ _._......._._._.__...___ ._.._......_..:::uc:n::r :anti:i93penan::u:::,i:::-:99:,~:9:=::9;,:=:i~:s~T;~;i:~;;;;;; ;~~; _~;~;,~ ~~ .. ............._._ ._..n.,:n.,....:.. ,..,.................. , :,.,,mn..,......:. .....i.:I.........:.. v ...................._...................._,:::n_ ::iii"F ........ _,r........ .....;4..... :_m...~ r ..._..... ....... , ,...,. ....:... ............. ........,..n, : ..... ..... ... ..... ..n......~.... nc.:.........._.......... .:. v......_........._ ............... .. ... ......a:uar.::•:?::::u::rt::::::._•,ar.:: •^r::: •:: :.: •• ::u n,k:::::::-:::::n::•::••::::f-c::•::::u:..... ''r.':i9 • nmcnumau::unum:uu^n:;:u•n:::::::::::. ... v a :u: n nn, , , : : :u:: : , ..ru::::::r :::: ' a u,v : : v: m n: Sn , .pn:9iiE' v ~ ,..........,,...:::~:::::.:..,.:..: ...... ii8iii ~ iiiii?iF.i~ ^:n8!i?Eiii!i9'r:~":EI!iii: ~i:dr.:nu::c:m:r.::•::::::::::::;:: _::::: , . ... .. . .. .... .... . .. . ... . .... ...... .. . . .. . ..... . . .. . . . . .:.::::: .............r.............. ........_.... ......... .......:.......,......_.... . ...... _ .. .... ._:....#. v_ ................_ . ..i... .. ... ..... ...:•::4F.Ir.4 _ .. .f .... .. .. ,.. .r..a,, .......... .. .. .... nE._ : ..:.... n..... ............ ...._..u..:........... ».. .... ....... _...._.._............... ............ ...............s............,..... ...... _..........r:::::r..;....................:::::........_.. . h: ':~ :a:'.ahv::-::r.:....:.......a..:...:~ ~.:_,_.v........__...;.........rr~-•ar.., ,.,....~;.,...~.r........_rr....,...,.......,......;. .. ....... .._. .. .rz ........ .... . ......:..... ... ... _. ... .:..... .., ........._....._._.......... m., :,, .n ..r< ........ ..... .. ...... ..:~::•~:n•nnv:unman:un,.u..n.m:.....:..:.......-.. n,x..s., .._ ... _ ..............n.a..eun.,:: ., , ............ ........,.....n:,....: ,:E......,. .: .r.:::r.::u::n:::::u::r.::i:iiii:ifiiiiiifiii:iiiiieiii _ .. ............ .... ,.. ., .,:.....:.: .....1.......... ... .._.. .. .. ...._ ................................:..... ,.......,......... ............ ....... ....I...._..C..F:L. i,3.._..3.. ................................. ..:..................,...._............. ......._._....i............._......_ t....................r......... ._.....:........_............, .... ...... ...i ...................._ .......... ...._..n..............._.......... ....._............._.......... _..... ................................... ...................._,......... ..............._ ,._ .... ..._............,..n....:4k ~,.n .. . ,::: . : i • ;s=sne:?:•-• s t ri ~° • ~~• _........... . _ :..:...;..: :......_ . ..... eEilFii ~rii~ i39_~ ijii .,:rn:.r..:..u:::e;,e^a:c::a:n~?i^ii 5:i~~iii~~ii'r•i,'. ~ .:......,.:..,.::....,:_, . ..._i......,........_.:.:...... ~ .!; .::............... ... ,....m_m................. mn:nnn ..... n...n,:n..:.,n_n......................... .......:m,m.,.,,:.,.:,.,_...., ,n, m .. .....::....,.:. .z.m : [:r .....:......... _. .......:..................,......:.. ..............._._........:......~..... ,.... : . n~..„,.i,~!: : : : i:::is:,:~n!~n~iy,,;,i,i~„!;,;!„i~d9n:!tt:::::!ni::s:;:n:s:ns;:!s:+.:<resni9rana:nr;:s::,::::n:::::::::!„!i;;a :s::,::::::n:w:::s:::::~:::::::9::::::::::s:s ::::::........:: e Rate (APR) Balance Subject to Interest Rate l Percenta A Interest Charge . g nnua Type of Balance ~~ PURCHASES 10001 14.99% (v) $0.00 $0.00 CASH ADVANCES 20001 24.90°h (v) $0.00 $0.00 _ BALANCE TRANSFER 14.99oy ~y~ $0.00 $0.00 41111 0 0 0 0 0 0 "•••~~~"'"' Earnings Expiration Previous Earnings $2,499.02 Expired in MARCH 2010 $0.00 Earnings Received $30.54 Expiring in APRIL 2010 $12.90 Additional Earnings $0.00 Expiring in MAY 2010 $31.70 Earnings Adjustments -$4.56 Expiring in JUNE 2010 $27.67 Current Period Earnings $25.98 Total Bonus Shop Earnings are included in the "New Earnings Total" section of your Earnings Summary and redeemable towards an eligible new GM vehicle. Log in to view your Bonus Shop Earnings at New Earnings Total $2,525.00 , www.g mcard.com/views. Anniversary Date 06/01 /93 Anniversary Y-T-D Earnings $222.59 Lifetime Earnings Redeemed $3,599.09 100310 5 25 0000000000 STMT91 D J 13507 GWA1 ---------------------------------------------------------------------- G M Card GM World Card MasterCard Account Statement Account Number 5523 1808 0042 7863 ROBERT L YOUNG Page 1 of 2 From March 26 2010 to April 25, 2010 Previous Balance Payments Other Credits Purchases/Debits Balance Transfers Cash Advances Past Due Amount Fees Charged Interest Charged _ New Balance Revolving Credit Limit Revolving Credit Available Cash Limitt Cash Available Statement Closing Date Days in Billing Cycle tCash Limit is a portion of Total Credit Limit. $611.04 $611.04 $0.00 $876.29 $0.00 $0.00 $0.00 $0.00 $0.00 $876.29 $10,000.00 $9,123.71 $2,500.00 $2,500.00 April 25, 2010 30 New Balance Minimum Payment Due Payment Due Date $876.29 $15.00 May 20, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee from $19.00 to $39.00 and your APRs may be increased to the Penalty APR of 30.99°~6. Minimum Payment Warning:lf you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional You will pay off the And you vvifl end up paying charges using this card balance shown on an estimated total of... and each month you this statement in pay.. , about... Only the minimum 8 Years $1,452 ,~ Payment _ ,~. $30 3 Years $1,093 4. (Savings = $359 ) If you would like information about credit counseling services call 1-866-569-2227. ~~ .. Payment Address: HSBC Card Services, PO Box 37281, Baltimore, MD Questions? 24Hour Automated Account Information 1-888-763-5655 21297-3281 Espanol 1-888-763-5655 Billing Inquiries: Customer Center, P.O. Box 80082, Salinas, CA 93912-0082 Lost or Stolen Card 1-877-213-0779 Manage Your account online at www.gmcard.com 4. Outside USA Collect 1-757-523-3880 TDD/Hearing Impaired 1-800-685-9020 ~~ :.t,:::::t:::,::,:::_..: r:::,:::~ i -::nu::ainiii,:iii :. _ ................:::::::-::.:~ ::•:::::::::: ~::-: ~:: ~:i:~ :::::::: ..........._ ......:... .....:u ......n:.: S .:tr:r .............. ...... ........: .... ....v r..n.v...v.a. ur.um,..nz.. v. _.. ........_ ._. .. ......... _...._:?iiiii::a;:;;i'.s:..: 6::. r ..u. _.. _....... ~t .. ..:.:..un:u::u::vr:v:v:o:v:.z... .. ~: .. : i t:::v: .... ...:::::::::::~::: ••^r.:m:::.. . i ...... .. ....._ . ......... ............. u............. . . .................. ... ... ............_... ...t....,.......... ......._z...,..... .n:.. ~ ..... ... ... ...._. _. .. ...... .. I.. ........ ... ........ .................s ...._,..,...:....u: .u.._nv.dra .- .. f .._:.... E.,nm n:, i ndmk ............... ....._. vi..............._. _ ...........::«.....suwnv.::v ::v~:•v:: r:u::::::::iiivir•: un ..................... .... ..........„.............._............... ............. ...........:........ ...... ... ..............................:. ........... _......... .. ....r.. ! j... I....t ....~... ..... _ ................ ...._.,...._.._........................ _:............ ...........................:..................: ........... ..... . L....._t..._. .. .:d...t . ..3.......:.t...... .. .. .. ..._:......... ....::.i .............:..... .. ....vnu........a.r........... :d....n..................... .., .3................._... ........_ .. ~ ... ............:......: .: n..:....n..rv....:...... .. „ .....,...x ............................... ...._:..........:_.....v.,....................ru.:...:.....a...:nur ..........:...i..:..~!...... ..... i...._..:n::.:udmnuut.v.................... .. :•:Au.n . .... :::••i•.r.: rLr .. __:~..i... ..:i:.r..n.u v:u ....... .. .......... .......................... .......................... .... t6.~1 ::: .;. .li'#v :::::::::::::::r:::::::c::::::::::u•..::•:....;.................:..........................._ ._..u....u........_..a..u.._:._......:_......u.v.r..:.r.. !{.f: ..i .... ....... ...........................:...a::u::::m:::::;:;:r::::::::r ~;~^:::..:;..;:eEfSEiiisi^iiF^:ii'rir^Eci:r.:~;::;roc'5::::i'.::;:::::uas::v::u::::-ur.::u:'i`:iii;;'r'ji:i!iSie2ii3iifieiiiii8i•aiii;...................... ...r... ......... ...._.. ..... ............... ..........:........_.................._....._.........u._......_:.....c....:.. ... :.........a_......::,Y.:•v.:u'.i?m::_...........s..v:uun::-: ~:i:f:! ~~'ui.:u:.:.,....... ._z...::•m:u:uuunLn.u:.u..... .....~.:::::::::. ~•_r........_ ...............G.._: •:::::a:u^:::v:.-............................... _i....'.::••::::u:::::;:::uv:::::::r:u::::::-:i:::::ac:::::i::::::...........;.v.,..,......u.........a.........:........._ _....._..._ ::n:....u...:..:_..:::u::i:::::::::n.••:• r ~:r•:• .u:n..a.. ......z.::: *~~::::cv::::ux::::unm:::u:..u..._n ......................_.._........._.. ..... ..._...................... _ .... ~ :r:rv:::u::c::a:i.}.......t......_.uvd.n..:un.........._:.....u_: ~. Notwithstanding the'Annual Percentage Rate' disclosure on the reverse, if your Account has a variable rate, the prime rate used in the calculation o the variable APR is the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month •~~ ("Prime Rate"). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. As a reminder, you may pay your credit card bill online or through our automated phone system for no fee. .~. ._............__ ...................::.:::.._.._..s~.:~::.::.:..._.u.ui..:......d ..__:::::::::::u:::: ytn}: <i«' ::f :.F:iiiiiiiujiy i~ijiiieiii~i~^i"iii' iiiiii v...i:.t..a........v ..:iii ................................._................_.............._......~.u.......__......._.._...... u.....a.:......,v ........... ._ ............ .._. .........._.. .._ .. .. ....... .. ... ......._....... ... .... ... .._....v,..:r:r:..t ~: .. .::z.: x..~.. ~t_ . _ ... _.. ...,n:.., vuvn.:...n... v..n...:.: .v .............. S. nuv: navr. .. ..... .. :..:...a.n.., . rcrs: nr_ ~m.:m.: c.. .......... .................... .__ ......v...__..: _ ....................r. ...t ., .......... u.......c:.:... ..:.. ..:.._..._.._..u.. Tr•i:u:~: ~:u:u: •vuuu ..u: ::: ., _m,5 . '44u~4 7Fi3i":i~iiti .. ......... .............. .. ......._.........._...... ... _. ..................... z................1....._ ... _..., .u1 : . ~ i!P ii4 vivi3i':.:~J ....... .. ....... ._..:..v ...... . . .... ......_.. .._.._ .,_......... En_.....t.s.... , .. ....... ........ .... ... .......... .:_. ___..... ......_. ..... ••r.:Tm »::_. .xu....:_ .._.. _... t._iF.-~::i:~:~ii~::a::u:;::::: ... ......._. _....__....a...._ _.. ... ..._...........r...vnv.u. ... ....._:.........._::ure..z_:.:. ..z ..._.vn. r.... _ __.........,_::<._:,._._,.:s...•.~ ~-::-:,,._.. .z-,>,-,:~:,:,t:.a-.t....._.•,.....,.•::,:.:.:,:•::::,,::::,:~::::::::•r::-...___-; :::t,: ,,:r~::::r... ....._ -r:.::,, : .._ r . ai~s~;'; ;i ..:........... ....:_._.....,.,:.. .........._. ....._ ............. ......_...._ t....:_.. ._::,:::n..i....,..ntn ::::!.:-.^_~ r:...t4.i... .,i.4:,;.5 .............. .........,_............ ........_............ ......._..__..................__._.. ..._.x...........__.__.. ...._.......,..... . ,..._..,........__.._.._.._.. ................. ..s. ... t ..».... ... u3P_ . r...,..._. E..fi^ __..:.._. _..~.........z...... _~__ ..... ............. ......{... __.__... ...:c...__............ ... __.__ ........_.._........s..._. '1.. ............................._. T____..._.__._.._.......u. ____..... _.._..........._._. _. _..__._..,.v....................._dr....,.,.,._3 ....,~.~_..n.......,.i_...5 .._.._.....~........a~........iti...in ,.,_:.>.~.......i..>:....:x.... k. ..:...::_.., N 0 0 0 0 a 0 0 Description of Transaction or Credit PAYMENT-THANKYOU Description of Transaction or Credit CVS PHARMACY #1626 Q03 MECHANICSBURG PA GIANT FOOD #331 MECHANICSBURG PA GIANT FOOD #331 MECHANICSBURG PA WINE & SPIRITS 2106 MECHANICSBURG n w Reference Number 2040910A039562231133301 Reference Number MT101070071000010112001 M T 1010900720000100844419 MT101090072000010084420 MT1 01 09007200001 01 1 7776 ArftOUrl -$611.0 -$611.0 ~: `i:;ii:~:~ :~ tsi;is: f;,ir ~::c~~~. AfnOUr $142.4 $163.1 $10.; $29.E 100310 5 25 0000000000 STMT91 D J 13897 GWA1 See reverse side for Important informatiot Detach and return bottom portion with your payment. ---- ----------------------------------------------- Account Number: 5523-1808-0042-78 H~1.J~ ~~,~ New Balance $876. - ~~~ ® G M Card ~ Q GM World Card MasterCard Account Statement Account Number 5523 1808 0042 7863 ROBERT L YOUNG Page 2 of 2 From March 26 2010 to April 25, 2010 INTEREST CHARGE ON BALANCE Description of Interest Charge INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON PURCHASES ~. ~~ .... .. .........w,...uri u,. ...... ui......rt, ...... H............ .............f.................... ,::::::::::~:;..._ _... ~. .... _:..............,. . u.u:;E::::r.-:.......... nu....r ... . ....................5...,.USl~i..lCvi.I....v............_.- ....~...n..........a~,..,,.:........................;..:::t ...........u.,u,:aura,..:............_.........u;::q:iciiiiiii:::: viii:iiiii~Siii::::r............. -:: ::::..r:if ~::rm::: ...........u..,......ru:rr.::::::u, . ..... ...........................................................rya:::::r::::::;r::::::~..........................................................::::..n:r.,i3!i?iFli:e:i<:u'^:i:~a ...~ ...._ ..:. ... .... ..:......... .......:..:u::::::u.,.........i.,.........._....,.c....................................,...............................................;.. I~~t:Ifel~iiAw~fi~~ii~~:lf.' ~X:~ G . t .......... .. ...C..._..... ... , .as.,aua..:.,...e.e...a........r..:.u::r.:am:::*E:u:u:iu,:?u:u:::...,.._......,. .....:.. .. .. .._Eii_~, ................. 1...........:........................:..n .a: i_., .... ....... .. :::::::r•~ ...r.. .......,. ..... ..... .......... .. c::: r:r.;....;. } ....,;..~;..,....,..,.,..~.... ;.;.......:........ .............ua:::::::::u::r.::::::::m:^:::::.au.:tiiiiii air'iiiiiiiic:....................... ......... ............... ~ ....:....n:u f L.......a{ u:::r.:::::rc:c::::: r ...................: :.: ..... u:dninntrnunnuua :......:..... ..... u....,. ,,,Rn:!':Hci:•::.::.r.:rur.............::^;eEifiiiE~:iiiiiiii~inc:::ruc:;:: ....... e:;a: ::aam::m :::::::.::::: .u.::r.,............u:u ~:r:...c.....i._n...u.....:.,v.a.._u::::nu:vna..v, .: u::::................ .. n :.............. ~ " ~ Trans Date Post Date Description of Transaction or Credit ~~ 04/25/10 04/25110 EXPIRED EARNINGS Reference Number 20100425 10000 04/22/10 04/24/10 GINGRICH MEMORIALS MT101140071000010098798 MERCHANICSBUR PA 04/22/10 04/24/10 GINGRICH MEMORIALS MT1 01 1 40071 00001 0098799 MERCHANICSBUR PA 04/23/10 04/24/10 PUFF N SNUFF ENOLA PA MT101140073000010122555 Total Purchases For This Period ,,..,,.. __ ~,~,,,.,rt _._ _ _ Trans Date Post Date Description of Fees Reference Num er Type of Balance Annual Percentage Rate (APR) PURCHASES 10001 14.99°~6 (v) ASH ADVANCES 20001 ALANCE TRANSFER 1111 24.90°~ (v) 14.9996 (v) Balance Subject to Interest Rate $0.00 $0.00 $0.00 Earnings Expirafion o Previous Earnings $2,525.00 Expired in APRIL 2010 -$12.90 N Earnings Received $43.81 Expiring in MAY 2010 $31.70 o Additional Earnings $0.00 Expiring in JUNE 2010 $27.67 o Earnings Adjustments -$27.90 Expiring in JULY 2010 $12.71 ded in the "New Earnings Total" section of your Earnings Summary an l i Current Period Earnings $15.91 nc u Total Bonus Shop Earnings are new GM vehicle. Log in to view your Bonus Shop Earnings at redeemable towards an eligible New Earnings Total ~___ $2,540.91 I , www.gmcard.com/views. Anniversary Date 06/01/93 Anniversary Y-T-D Earnings $266.40 Lifetime Earnings Redeemed $3,599.09 100310 5 25 0000000000 STMT91 D J 13897 GWA1 ~~GMCard ~~a~ w ~/~~~~~~n ~ GM World Card MasterCard Account Statement Account Number 5523 1808 0042 7863 ROBERT L YOUNG Page 1 of 2 From April 25, 2010 to May 26, 2010 Previous Balance $876.29 Payments - $876.29 Other Credits - $0.00 Purchases/Debits + $924.44 Balance Transfers + $0.00 Cash Advances + $0.00 Past Due Amount $0.00 Fees Charged + $0.00 Interest Charged + $0.00_ New Balance $924•`14 Revolving Credit Limit $10,000.00 Revolving Credit Available $9,075.56 Cash Limitt $2,500.00 Cash Available $2,500.00 Statement Closing Date May 26, 2010 Days in Billing Cycle 31 tCash Limit is a portion of Total Credit Limit. New Balance Minimum Payment Due Payment Due Date $924.44 $15.00 June 20, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee from $19.00 to $39.00 and your APRs may be increased to the Penalty APR of 30.9996. Minimum Payment Warning:lf you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional You will pay off the And you will end up paying charges using this card balance shown on an estimated total of... and each month you this statement in pay... about... Only the minimum 8 Years $1,561 Payment $32 3 Years $1,153 (Savings = $408 ) If you would like information about credit counseling services call 1-866-569-2227. -- Questions? Payment Address: HSBC Card Services, PO Box 37281, Baltimore, MD 24Hour Automated Account Information 1-888-763-5655 21297-3281 .... Espanol 1-888-763-5655 Billing Inquiries: Customer Center, P.O. Box 80082, Salinas, CA 93912-0082 host or Stolen Card 1-877-213-0779 Manage Your account online at www.gmcard.com Total Payment For This Period Reference Number Amount 2051910A039650021533701 -$876.29 -$876.29 Trans Date Post Date Description of Transaction or Credit Purchase Type Reference Number Amount 04/30/10 05/03/10 CVS PHARMACY #1626 Q03 MT101230072000010316569 $192.69 MECHANICSBURG PA N 0 0 05!05/10 05/06!10 PUFF N SNUFF ENOLA PA MT101260073000010127911 $50.69 0 0 05/12/10 05/14!10 TOTAL VISION CARE CAMP HILL PA MT1 01 34007400001 01 1 0032 $552.86 05/18/10 05/20/10 CVS PHARMACY #1626 Q03 MT101400071000010083287 $38.7° MECHANICSBURG PA 05/19/10 05/21/10 SMOKER'S EXPRESS #1401 MT101410074000010082598 $50.6 MECHANICSBURG PA 05!22/10 05!24/10 CVS PHARMACY #1626 Q03 MT101440071000010317904 $6.7~ MECHANICSBURG PA Detach and return bottom portion with your payment 100310 5 25 0000000000 STMT91 D J 12940 GWA1 See reverse side for important information --------------------,---------------------------------------------------------------------------- HSBC ~1.~ Account Number: 5523-1808-0042-786 New Balance $924.4 ~~GMCard MasterCard GM World Card MasterCard Account Statement Account Number 5523 1 808 0042 786 ROBERT L YOUNG Page 2 of 2 From April 25, 2010 to May 26, 201C 05/25/10 05/26/10 GIANT FUEL #263 ENOLA PA Total Purchases For This Period Trans Date Post Date Description of Fees Description of Interest Charge INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON BALANCE TRANSFERS Total Interest For This Period .... f ... ......... ..................._................ :::. .... .. u 5 ..::::..:~ta....:::::i~~~~. `.. ~~aia''uiia~~~ii~'~~i`~~i~'~~°~~ii _..... Total fees charged in 2010 $0.00 Total interest charged in 2010 $5.49 MT101460074000010088525 Reference Number Reference Number 20100526 10000 Balance Subject to Interest Rate Interest Charge $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 0 0 0 0 0 0 0 0 Previous Earnings $2,540.91 Earnings Received $46.21 Additional Earnings $0.00 Earnings Adjustments -$31.70 Current Period Earnings $14.51 New Earnings Total $2,555.42 Anniversary Date 06/01 /93 Anniversary Y-T-D Earnings $312.61 Lifetime Earnings Redeemed $3,599.09 Earnings Expiration $32.0C $924.4 Amourn Amoun~ $0.0( $0.0( $0.0( $0.0( Amoun $31.7( Expired in MAY 2010 -$31.70 Expiring in JUNE 2010 $27.67 Expiring in JULY 2010 $12.71 Expiring in AUGUST 2010 $16.62 Total Bonus Shop Earnings are included in the "New Earnings Total" section of your Earnings Summary and redeemable towards an eligible, new GM vehicle. Log in to view your Bonus Shop Earnings at www.gmcard.comlviews. Online Account Access lets you take control of your Account anytime, anywhere. Registration is easy, secure and waiting for you at gmcard.com/login. 100310 5 25 0000000000 STMT91 D J 12940 GWA1 G M Card ,u GM World Card MasterCard Account Statement Account Number 5523 1 808 0042 7863 ROBERT L YOUNG Page 1 of 3 From May 26, 2010 to June 25, 2010 Previous Balance Payments Other Credits Purchases/Debits Balance Transfers Cash Advances Past Due Amount Fees Charged In_ter_est Chaffed New Balance Revolving Credit Limit Revolving Credit Available Cash Limitt Cash Available Statement Closing Date Days in Billing Cycle tCash Limit is a portion of Total Credit Limit. $924.44 $924.44 $0.00 $844.74 $0.00 $0.00 $0.00 $0.00 $0.00 $844.74 $10,000.00 $9,155.26 $2,500.00 $2,500.00 June 25, 2010 30 New Balance $8`14. 4 Minimum Payment Due $15.00 Payment Due Date July 20, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee from $19.00 to $39.00 and your APRs may be increased to the Penalty APR of 30.99°,6. Minimum Payment Warning:lf you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional You will pay off the And you will end up paying charges using this card balance shown on an estimated total of... and each month you this statement in pay... about... _ Only the minimum 7 Years $1,381 Payment ___ $29 3 Years $1,054 (Savings = $327 ) If you would like information about credit counseling services call 1-866-569-2227. ~. -. Questions? Payment Address: HSBC Card Services, PO Box 37281, Baltimore, MD ~~ 24Hour Automated Account Information 1-888-763-5655 21297-3281 Espanol 1-888-763-5655 Billing Inquiries: Customer Center, P.O. Box 80082, Salinas, CA 93912-0082 .~~ ~ „~+,,. c+~~or, ra~~ 1-877-213-0779 Manage Your account online at WWw.gmcard.com N 0 0 0 a 0 0 0 0 Description of Transaction or Credit PAYMENT -THANK YOU Total PavmPnt Fnr This Period Description of Transaction or Credit GIANT FOOD #331 MECHANICSBURG PA WINE & SPIRITS #2105 MECHANICSBURG PA SPICE RESTAURANT HARRISBURG PA GIANT FUEL #331 MECHANICSBURG PA GIANT FOOD #331 MECHANICSBURG PA GIANT FUEL#331 MECHANICSBURG DA Reference Number 2061610A039712581722201 Reference Number MT101510071000010274110 MT101510071iJ00010401068 MT101520073000010123394 MT101530072000010065004 MT101600072000010070911 MT101620072000010073076 Amoun -$924.4 -$924.4 lii;..,,,.,.,.,,, .., Amoun $131.3 $20.1 $63.0 $74.9 $91.4 $73.5 Detach and return bottom portion with your payment. 100310 5 25 0000000000 STMT91 D J 21699 GWA1 -------------- See reverse side for important information --------------------------------------------------------------------------------- HSBC ~~~ Account Number: 5523-1808-0042-78f New Balance $844.. G M Card Q GM World Card MasterCard Account Statement Account Number 5523 1808 0042 7863 ROBERT L YOUNG Page 2 of 3 From May 26, 2010 to June 25, 2010 06/13/10 06/14/10 LOWES #02223' MECHANICSBURG PA 06/16/10 06/17/10 DICK'S SPORTINGGOODS HAMPDEN TOWNS PA 06/18/10 06/21/10 CVS PHARMACY #1626 Q03 MECHANICSBURG PA 06/19/10 06/21/10 GIANT FUEL#331 MECHANICSBURG PA 06/21/10 ?6/22/10 LOWES #02223' MECHANICSBURG PA 06/22/10 06/23/10 LOWES #02223" MECHANICSBURG PA Total Purchases For This Period MT101650071000010257408 MT101680076000010103535 MT101720071000010338178 MT101720071000010280928 MT101730072000010066696 MT101740073000010072338 Reference Number Reference Number 20100625 10000 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance PURCHASES 10001 CASH ADVANCES 20001 0 BALANCE TRANSFER 0 41111 0 0 v=Variable Rate Annual Percentage Rate (APR) 14.99°~ (v) 24.90°k (v) 14.99°~ (v) Balance Subject to Interest Rate $0.00 $0.00 $o.oo Interest Charge $0.00 $0.00 $0.00 100310 5 25 0000000000 STMT91 D J 21699 GWA1 ~~GMCard M erC'aId GM World Card MasterCard Account Statement Account Number 5523 1808 0042 7863 ROBERT L YOUNG Page 3 of 3 From May 26, 2010 to June 25, 2010 Earnings Expiration Previous Earnings $2,555.42 Expired in JUNE 2010 -$27.67 Earnings Received $42.25 Expiring in JULY 2010 $12.71 Additional Earnings $0.00 Expiring in AUGUST 2010 $16.62 Earnings Adjustments -$27.67 Expiring in SEPTEMBER 2010 $6.04 Current Period Earnings $14.58 Total Bonus Shop Earnings are included in the "New Earnings Total" section of your Earnings Summary and New Earnings Total $2,570.00 redeemable towards an eligible, new GM vehicle. Log in to view your Bonus Shop Earnings at Anniversary Date 06/01/93 www.gmcard.com/views. Anniversary Y-T-D Earnings $34.67 Lifetime Earnings Redeemed $3,599.09 The All-New GMC Terrain combines the style and performance of an SUV with 32 MPG highway fuel efficiency*. You'll also find premium features standard, like Rear Vision Camera, USB port, and MultiFlex seating. *EPA-estimated MPG: 2.4L I-4 22 city/32 hwy. N N O O O O O O O 100310 5 25 0000000000 STMT91 D J 21699 GWA1 ---------------------------------------------------------------------------------------------------------------------------------------- G M Card Q GM World Card MasterCard Account Statement Account Number 5523 1808 0042 7863 ROBERT L YOUNG Page 1 of 3 From June 25, 2010 to July 26, 2010 Previous Balance Payments Other Credits Purchases/Debits Balance Transfers Cash Advances Past Due Amount Fees Charged Interest Charged New Balance Revolving Credit Limit Revolving Credit Available Cash Limitt Cash Available Statement Closing Date Days in Billing Cycle tCash Limit is a portion of Total Credit Limit. $844.74 $844.74 $0.00 $1,415.05 $0.00 $0.00 $0.00 $0.00 $0.00 $1,415.05 $10,000.00 $8,584.95 $2,500.00 $2,500.00 Juty 26, 2010 31 New Balance $1,415.OE Minimum Payment Due $15.OC Payment Due Date August 20, 201 C Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee from $19.00 to $39.00 and your APRs may be increased to the Penalty APR of 30.99%. Minimum Payment Warning:lf you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional You will pay off the And you will end up paying charges using this card balance shown on an estimated total of... and each month you this statement in pay... about... -- Only the minimum 12 Years $2,671 Payment _. $49 3 Years $1,765 (Savings = 5906 ) ~~ If you would like information about credit counseling services call ~~ 1-866-569-2227. ~.~ ~~ - ~'~" Questions? Payment Address: HSBC Card Services, PO Box 37281, Baltimore, MD ~~ 24Hour Automated Account Information 1-888-763-5655 21297-3281 ..~ Espanol 1-888-763-5655 Billing Inquiries: Customer Center, P.O. Box 80082, Salinas, CA 93912-008: ,,... ,,. ~~„~e., ~~r~ 1-877-213-0779 Manage Your account online at wWW.gmcard.com N M 0 0 0 0 0 0 Post Date Description of Transaction or Credit 07/12/10 PAYMENT -THANK YOU t..*~1 Dw.nanf Gnr Thic Period Post Date Description of Transaction or Credit 06/26/10 CVS PHARMACY #1626 C103 MECHANICSBURG PA 06/28/10 LOWES #02223* MECHANICSBURG PA 06/28/10 GIANT FOOD #005 MECHANICSBURG PA 06/29/10 VERIZON WRLS D459701 MECHANICSBURG PA 06/29/10 VERIZON WRLS D459701 MECHANICSBURG PA 07/01/10 GIANT FOOD #331 MECHANICSBURG ~~ Reference Number 2071210A039791621157801 Reference Number MT101770071000010086897 MT101790073000010078966 MT101790073000010079718 MT101800072000010052508 MT101800072000010052509 MT101820074000010087231 Amou -$844.' -$844. Amou $83. $59. $58. $89 $105 $28 Detach and return bottom portion with your payment. 100310 5 25 0000000000 STMT91 D J 12813 GWA1 See reverse side fof important informati~ ------------------------------------------------------------------- CR '~ Account Number: 5523-1808-0042-7 HSBC New Balance $1,41: .~ . . G M Card Q GM World Card MasterCard Account Statement Account Number 5523 1 808 0042 7863 ROBERT L YOUNG Page 2 of 3 From June 25 2010 to July 26, 2010 06/30/10 07/02/10 SUPER SHOE #7 MECHANICSBURG MT101830071000010065174 PA 07/01/10 07/03/10 CVS PHARMACY #1626 Q03 MT101840071000010095859 MECHANICSBURG PA MT101860071000010300222 07/03/10 07/05/10 WEGMANS #45 Q02 MECHANICSBURG PA 07/03/10 07/05/10 WEST MAIN FAMILY RESTA MT101860071000010379938 MECHANICSBURG PA MT 101860071000010380631 07/03/10 07/05!10 WINE & S PI R ITS #2105 MECHANICSBURG PA 07/05/10 07/06/10 GIANT FOOD #331 MECHANICSBURG MT101870072000010051787 PA 07/06/10 07/07/10 AMERICAN HOME MEDICAL CAMP HILL MT101880075000010116446 PA MT101900077000010089991 07/08/10 07/09/10 WINE & SPIRITS #2105 ~~ MECHANICSBURG PA ~~ 07/10/10 07/12/10 GIANT FUEL #331 MECHANICSBURG MT101930071000010265536 PA MT101930071000010290163 ~~ ~ 07/10/10 07/12/10 KOHL'S #0337 QPS MECHANICSBURG ~ PA MECHANICSBURG MT101930072000010034521 07/10/10 07/12/10 SUPER SHOE #7 PA ~~ 5/10 GIANT FUEL #331 MECHANICSBURG MT101960074000010097568 07/14/10 07/1 ~'~ PA GIANT FOOD #331 MECHANICSBURG MT102000071000010264614 ~~ 07/17/10 07/19/10 = PA '~' 07/21/10 07/23/10 OLD NAVY #5348 QPS CAMP HILL PA MT102040072000010053549 MT102070071000010302496 ~~ 24/10 07/26/10 WEGMANS #45 Q02 07/ MECHANICSBURG PA ~~ ~~ riod This P Total Purchases For - .3q! ._... ...._....;;....:..._...... :. -. , t0ii5::lP_'!3•'.lFi~ PSiFi~ dcn _... ...ga ri ui;e ar '"'~"n^' :: : : :: ' ' . . ; ...nni , n n :m:,rar::n:..: :: sarrn-::v a: .; ,.• : . _......_ . .............._ _..__.....;;;m::m:r::nr.•:r:a,•a:,n T a n.::nn „varr..:::•.:.^::: ireii~iiSES c ...._...._...._....._......_.......-....,.._:a ............ :...n_.._........ ........:......o-.:....:..._,..x..~..x!r:::ch::.;...........t....._. ~ :::..x....._....3........n.a•:^n::h:i.,: !:R.....,_.s.. .:a;v:.:.:c:E^!i _.a......i...:a......... ..a::a .,. ni :................ .............d::::::rg.!.;n::::c•:::r........;.....:!c:::.`.:iF!!:v.;:;a........n... ..~.;.. mL:::n:,L:.. : 7 ........_._.._ ..........._.._. .............._. .. ..........h.._ .,.....n nao.a ....... ..r._.. .. .. .... ......... ........... ........ .. a ..._... .......... ...... ,. {. ..... .. ,........:.!;{. ~;nnf:?::d:!?i!i!!!"ui!~ i!ii:: ' ...x.... _..f::n: ca....:.:::u..nn { . . _.... ...a:. .. .... ......_.. .... ........ ... .. ....... ....:.... .......................... ..............:..I..........._.._..............._ ._. ......._ ,.._,n ....._.... ..... ... __ ........._ ................. ...._. ..1.... _.,..........;..;.....;...... a...t._._ .............. .........n......... .... ...... ................. _............ ........ ... _ :..t.........:. ,:n :x: am .. :an...,....... ................ :... ::........ .... a4 .......... . ,.....:.: ..,.:::.. ,......... .... ...... ................ ...............:.................... ...._.......:.. . ._ .,:.,mi , ...,.... :........................ ,... ... c ............. ............. ............. t .., :.,: ......... ........ ..._..:..: .................. ,.._...:.::...,.a::,._....,...n.......... sa::nr;::F.::::::. ........ .... _... .d.:83 ,: a:n:: ........a ................ :: a...:..a..• ... E:r { , a I~~w~ • i .. .. .. .. ....... .... ..... ._ . ..:........... .. .... n.. n. .:..n. .{..a ... .............:. v.:.: , ...i:. ....... ......._ : . . .:.....:.............5........ .......... _. ....,....s ...................... .............a .. ...... ..... : , n _... .. . ......... .. ......... .. ..:. ...........:.ln_.n..u ,. .... ...s............................ ... ...... .......................... ......: ,.. ... .............. : , u a ...... .......... ........ ...... .......... ..._ ...... ........_._ ...................... ......................... .. ......... ,.. ...................... .......ua: __:.: v.. v....anuv..,.,.,.n.,....... . ............_.......a ..........:...........:::~::::..._..........,...v......,......, .. .... .. ... .................a.......f......... . ....: ...t...............:.............. ......_..i.............................. ..:::..:.....,...... ............. ............... ..............._..a......._............__.._........ .................._. ... ... nr•^:::a_.. , , : ........ .. . . ..... ._.. . _ a .•~::::::..,..nav_.n:..,......:....... _. .... _, ...........a .......cannon,,,. :.._.. ....vi .;!•a. .:.i.: aa!!x:, .. .. .......,..: rd,. s... m.,..,. ,...... ..... _..... ... ..:..: ..........,...._..._ . .. ...a:.u...._:.. ~~ .. p L..t ..............u............... .!.......,,...,... h { u. fit ... '?. e.r..... ... .. . ...,........... ...-:...__..... i {.. i .... ., ..... _... . ...• .. ........_........,.,......... n : :...r::_... ..... wa nrz:n,n: .. :...... .... ..n: :}; ..... .. .,. ...!.. - .,, ...... ...., a..n Reference um er _ Trans Date . _ ___ .... ..........m.............,,.,,.,.r-,._., Post Date ...........-... _........ . n....a.e..a_..:.... _... __. .3 Description of Fees _. _......_.... .. ...._ ___._ ..... .....:...::r .:..,.....v._.. ............_ .. ............ ..._..... .: .,m. v.nn......n. .......... ..Lan.m.,.,a................. . ........._. ...... .........:. .......... ... ...........,..........,.. ___...-._.. ... _.... _.._.._. :n.... ......_ ........: ........ _ .; .c:.i_, ._......,,.. .....?33....3 .. ......_ . .....a..:_... ......_:..... I ...v..a,...._ ., r ............._............ ..J,...._u.....:.....n. _..__ ....-..5 _S.,.S......_....... _....._. .:..... ...s..u..............• _... ......: ....:..... .,. ,a, ......._.._......: ;m:x:-r::::rr~:::n::-:+r.•::::rm:::o:9!i3lEE' ii!Ei3?!:P?!i!!3: ...:f:!ii!L'~.::3!f!!x!xii~ ii{i'4iftiiliSii~iS~{i?i'2vw{~ iliiii$,li~?li!{{{i{lf .r............,.. ..u3 ........a .......n........_._:.....c................,{..........a.....;..._._................._....... r....:n::::.::::n:..::_a:n._t.;;• :.......:.uta.....:..........:f........ _........ ..... ................ .._.,a.,.n, ........,...........nn.u,rt:nn::::................,.....r:,:::::aomu:r.:r.:a:v!i!iii:!?i ~iiie....irni,:r^n::::'rih:Ei?rnr, u,:,n:nnna,i3:a.: .. ...........,........... _....... .;..::::n•:::::a:::r::rs::::~ ::v....::~•r.:::n::::a::-,:.............. _..L...a.f....s......... .~.~ .,y..,.,._} Z....:.............. ......s:.,,..,,. .. .v. S .......:::ii°ii'e'S^:•i:i.. _. lateeeuc! Trans Date Post Date Description of Transaction or Credit (17126/10 07/26!10 EXPIRED EARNINGS Reference Number 20100726 10000 100310 5 25 0000000000 STMT91 D J 12813 GWA1 -- ----------------------------------------------- ®I G M Card Q GM World Card MasterCard Account Statement Account Number 5523 1 808 0042 7863 ROBERT L YOUNG Page 3 of 3 From June 25, 2010 to July 26, 2010 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge PURCHASES 10001 14.99% (v) $0.00 $0•~ CASH ADVANCES 20001 24.90°,6 (v) $0.00 $0.00 BALANCE TRANSFER 14.9996 (v) $0.00 $0.00 41111 v=Variable Rate Earnings Expiration Previous Earnings $2,570.00 Expired in JULY 2010 -$12.71 Earnings Received $70.75 Expiring in AUGUST 2010 $16.62 ~_ Additional Earnings $0.00 Expiring in SEPTEMBER 2010 $6.04 ~_ Earnings Adjustments -$12.71 Expiring in OCTOBER 2010 $23.88 Current Period Earnings $58.04 Total Bonus Shop Earnings are included in the "New Earnings Total" section of your Earnings Summary and C rNew Earnings Total $2,628.04 redeemable towards an eligible, new GM vehicle. Log in to view your Bonus Shop Earnings at Anniversary Date 06/01 /93 www•gmcard.com/views. Anniversary Y-T-D Earnings $105.42 C Lifetime Earnings Redeemed $3,599.09 ~~ ....._ ................. .. ...... .......... ,:a.::~.::........................t.:... ..........._ ................... ................................. .............:i.. :..._............_.:....:.,........ ..i.... . ..._ ................... _ ...._ ,.......a:a....aa ,..:........... ,.., :.:i,,,.:,n.. _.........._... _ ........... . :. .,.:.:in,...n , ........._......... _ . _...........a ................._... ............. .,..E:.. ...... ......_ .... ... .............. _.... .......................... ........_... .._ . L_._.E. ........_...:..5. , .... .......... ..... m. ..........._.._.... .......:.. ,.:. JI 9li:":i::ni9.. u .. ......................................................a .................... .......z....._:.......t......:.n..:..:._.:_....r....:........._................ .. .k............................... .:... .._t._..............._ ._............»...._:................._a... .. ....a:.,.....u ................... ..v...:..}:....u.......:.:........... ~ :....................:..:..... ...x. ,....... a n:,a.ra .............................:.............:...n._._ ..... :......:............... .... ... ....... ..................: ......._....:•::::::• _a•:::::a:::::r:.;,.._ - - iE:i9!:::::a:!_::.:..o;:5•n::::::::::::-:..:::-s::::::•::u::::n_:.::::::i:.:.........._.._....:........... i:i .... ............. ,.v.a.. ....... .:rv....,...:........•aa..tr,::v.•..........;..;_...,:,;.:.:::::-....5?i£e ~i::ii:iiaii ._ ....:.:.a:..v ...:.....:....... ....... .... ........ .. <u., n u u t ._ ... .......... .._.. ..... ..............v.....:n. ...am:.. ... mm~.:uu,.,nu,...a..na.,.............c.c...,........., v.....; ....;i~i ...........:......_...._ Na .. ..........._...... ., . .....u.._.......... ................a.. as..:ar:..v:u..:... .n. nx::_a:::a.:: :: ..:_::::.::::::f' nn:u:nuun::hn::uan::::::::L^:.... :... ......:...... .....2...._.,.._ ...._ ............................ ....r... ..................t ............_ .......... .. :.. ..,...v............._........:..........il.nt..: u _.......i....................................... .........~......_.............:..............:.. a .. .. .. ..................... .........z ....... .. : : _...n.:.u............aa..v_.:..,.,.._....: u.... ..........m ............................ ...... .............................:......_...... ....... _ ..L.. . .... .. .... .. .. ..a .. :........ : .:...:........ a.: a ............_..........................._...,... . ....... .._a ..r ........:..t.:.u..._... ~! ., w:,,n ,.n::.,a ....:.:... ..:.a..v::_:....._w. ,. a n.. .. ,..........., ...... ............:......... .... ._ ......... .._ ....:<.... ...... ..,_ .....vE::c:••:^r.::::::::v::...:•_.._......................._... ......... ., .d....i.u , .,, .u a..:. ....n ........................... ..............;.::..;a .a..;t....;... : .. n....nLi :...L.. .... . .......................... .... .......................:.•aa:::a,.li.;i •' i ~ •:...:<;,aa::t:::~:~ :::, :i:it:tissi:~ ~ :;i:; :-, ................... ;....................._ .. .. .... ...z...t......... ,. .:,.u..:nu E, ., n ... .. ...,.....,_.....3.. ......_..a. _...t.: . _...i.....,...._ _ ..........:.....t............_....t... t ..... .. ..... .... n._ ....................v._.t..:....:: . ...... ........._.._w.s....._......... ... .....a......,...........a. ... ..1i~?i71:. . 1i'F .. ....... ................... ... ...._. .. .. .. ... .:.... ...._...v ...........,.............v.. ........... _t.. 1...:.._...L.....~.S..t.2.1.~.._.....:......~..a. i ~~ ..:. .. :....................:................ .. ,.. a..e...e...........:_.,....:......:........... __... ... .....:. . i ........ .................................. .. ~i . ...........,... ................_.t_..,........ . .................._........... ... ..il. ..... ......... ............ ............_.......... ....._.._ . .. .._ ...................: ... .:. -. .:. .a.............a:t._......t...:...........,....,......................;,a;,...!.!di.._..._i.__....,._.._..._. a:::.::...«...~.......::-:-:...a~::a::,:,:a:::a,a,cui,u..a:..n.au.......,.:....._,:!::...::-:::::a::::S:....... ._..:..... ~~ ...._.. ,m-v, ,m.',,, •..,, :a.:,....:au. r~-, •.:_ :..at._•:_~::u•:^:•F...:_•atn• nf:..._..........a....._.........v....,a....__.._........._i._ .......... .... ... ._.._. _...... ..._ ::::v:F,i!iiii'.':':i"~ i~ "'ti:i "iiii~i :^.:i,ii::isl:i!!,7SFe?na:^-:a ::.............._.SEa__•rL~ •: ••:a::8:??uan:ep:.......... ^. ... •......_.... - Excitement continues to build toward the official launch of the all-new CTS Coupe in early August. For up-to-the minute news, never-before-seen photos and upcoming launch events, visit the exclusive home of the CTS Coupe CTS-V Coupe at cadillac.com. .~ ~~ ........................ ..... ......................_.......... _............. ............. ... ........_.... ...... ...: ::::.:: r;:::::: ••::: ::^:r°:::.r:~ •:.: i`vi2::: yap,:::. i:..::fi+'eii_ ~ii:::::a:::::: . ... ...... ... ........... .. ... _ ..................... .........................: a::.::.::..u.....:................. ... ..................... .. .u•v:wuu::cuv::n:::wa:ua::;::::::: _~:5i~h. i?_.;...:....... ..:n_;x.+::diF..:::ta:{.,.p.:.....:2: .; :a. ;.. .....................__.................................. ... ................................ ...................... m .. ...._.t...:..r._:.r..u...a...61. .. ....... .f..._.._._ . .........:.........._,._°.+`_>.e...u.....,c: uu... ...... .................._... ,. :..... ...... ......:.......:.:._..:.v.a:.nl m: un: nnuaau,a:• .... .... ..............._.._...... .. _ ..................................... ._..........._._....._..a_........_..u._.............._.__ .__. ... .........._......... ............._.f».................._.. ... ...i....4.....................: .. ....... ......_..........._...... ... : _.:~.........._..._.:_v_..""_._...._......_..v. ...._::.•.::::•..u::::ura:wa::.w:::~:a:.auuw,,,.,wuun.,.an,uun,:.,, c..._.. a ........ ........:..:.. _ :,: hdu rn .. .._... .. :.. .....:.._.<.:.u, R, , _c .....::.::.:::.n .sa-~:E•u:. .:iwd(: 6i+L::::a:. anr«np;....;....._....;.......;.............:~^: :.s::ii"ri:~~~':cic: :ar ~ .. ... .. ... .i. .. :n ~:u: nn:uranura: .._.. ... ..... ...................:.n..._w, ::r.:...:.:.. sa:::•o:a:::a:; :.,i:_:a,m h:.na::.::lar:r:::.;:....,,.,. ~~...................... .. .. .. ....t...._.. ............... _..:. ,:.i.....a.wu : nnnw,:nA:urc?i'uiiiiieiFE~iaiin:Feiei:iSi<Hi:l:iii'i~iirijV!i'iiiiiiii"i!~li~:iiii?iiii~i:: ... ....... .. v...... . 9. ....d ih . t .... .. ..:.......:...:uan...v...~...t.v.n...a..ch....t..n.u ! ..:.. ..9........._... . _ :....._ :... ............:.:.n ... ....... :...._....t. ......f.... ... _ _3. a ......:.... .....:... ........... :_.._..........__. ...........................:l .. ........ .. .. ... ji........t ..... ............:.rz .. v.._._.. ........ ... ..........._................. .......... ......:........._..._:: a,....r. i ...u...... . ......:... v ....................._ ... ....................:.................. . ................... .. .. .... .. ...... .... v,............ a. ~~ .:..:.:..........:...t.. .. .:......................:r..._...__....._..:..... .... ...._..,..,..:....._...,._...a._,..___.....:_.,......._......._ . _ ... .......:.:.iE,.:._,.~,..,a,.,.a:.w,w„w: a :• :a,,, .a.... . ,........_... .........................~:ytt.~......a,._t.. _ u..._u:n c,...<. _ : ......:. .........:: •:P 3Lun....:ua.E1:._..„.... .::::a:::::c::::::..............._. .:..............,..,....,......^:a:...............a...........v...... ,.....:.........;....... .... _,,....:.,et_.. ,.....::a . .. ... i .... _......... ..."'._.....z ......n..__.. ... .... a.. :.a....n., ,.u ,-,m:.....:.m-__::::::::r ::::::: .......a:auw:uum.auuw:}.nrr:4:w::+: •:.:.::::• .... .......................... ........_.. .... .:.......k.:_.~.:.c.n...........a. .. ..h ................ ...:..7.....ta..:.....: , . .....>?.... .. r ................... ..l.._.._...__. ....iP....:f:....su ................. vu .. .... ... ..... v......n,u ...... :......... ....t .. :_..........___.._.._. _ ._.....:...... i.. .. .......__.._v.......__....._. _._. .._._. t...:{ ...... .................. ..:........... v ...........v..t.. _. _........_..,.... ~ ... .:. .. ._.._.. ...._..__ •t....P .:............:._.1_t... .... _..... ._3 ............ ..._.._ .............................................:.................. ,.., .. . ~u~ : ... .............. .t..t...... . .. ..... ... .. , a:uu::aa. ~ :a .....:......_....... ....._....r.:~ a~ p::a:yr.~ "I;S;i?ii ... ~.~ ....c. ...: .. .. .... ........ ,.... .....ua.:_._:.t i. u i......:..[J4 ,..........:..................... ... ... .. .........;..;;......t....,5ec'eefi=ir.' .,, .~. .,...... .... ......_.......~.........r..a.. mr. ,... t....s....r. ....:..n. n:....:_:.na..u.,.nnw:n..aa.u..........a.:_ ...................... .:......: ... .................... .. .. _ ... .:. ... _..a .1.3.. a wua..ava E ... :: i::.a..dm;au;. •::iSSi'ri!SiEia:...: ...; 6,.:., y;¢y,tF,.,.:;::;:1, .. ... r ............SL...:.....~.....U~i}..u..r...i:tfk.... _:..::.. ......................._....._ .. ......._......_..............._.._........... ....,.....,..:.1,._„a,r:::+y. ,,,ppfyw.nilL?.u .......... ::......_:.... _ ..=.!li'. ! I..,:y.~_;7e t i ... _?:; i ....•Eni!c :h c!,~nvi,aJ . i.:~:.a. ...... ~n~..-,,..:. ,,~..,.4'1u...a'!1 ,..... .71.. .,._ ......... . ............. ~ -u... r<- + •pc c_,...a..a..^.. ............. ... ENJOY 8 WEEKS OF USA TODAY FOR ONLY $19.95. Only $0.50 a day!! Plus, enjoy USA TODAY in a whole new way. Local sales tax when applicable will be applied to your order. To find out more, visit www.usatodaysubscribe.com/ut284 or call 1-800-USATODAY and ask for offer 284. Offer expires July 30, 2010. ~. N V O to O is i N O O O O O O 100310 5 25 0000000000 STMT91 D J 12813 GWA1 GM Card ~~~~ ~ ~ ~~~~1 GM World Card MasterCard Account Statement Account Number 5523 1808 0042 7863 ROBERT L YOUNG Page 1 of 3 From July 26, 2010 to August 26, 2010 Previous Balance Payments Other Credits Purchases/Debits Balance Transfers Cash Advances Past Due Amount Fees Charged Interest Charged _ New Balance Revolving Credit Limit Revolving Credit Available Cash Limitt Cash Available Statement Closing Date Days in Billing Cycle tCash Limit is a portion of Total Credit Limit. $1,415.05 $1,415.05 $0.00 $3,871.09 $0.00 $0.00 $0.00 $0.00 $0.00 $3,871.09 $10,000.00 $6,128.91 $2,500.00 $2,500.00 August 26, 2010 31 New Balance $3,871.09 Minimum Payment Due $39.OC Payment Due Date September 20, 201 C Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee from $19.00 to $39.00 and your APRs may be increased to the Penalty APR of 30.99°,6. Minimum Payment Warning:lf you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional You will pay off the And you will end up paying charges using this card balance shown on an estimated total of... and each month you this statement in pay... about... Only the minimum 20 Years $8,196 Payment $134 3 Years $4,830 (Savings = $3,366 ) ~~ If you would like information about credit counseling services call ~_ 1-866-569-2227. ~~ --- Questions? Payment Address: HSBC Card Services, PO Box 37281, Baltimore, MD 24Hour Automated Account Information 1-888-763-5655 21297-3281 Espanol 1-888-763-5655 Billing Inquiries: Customer Center, P.O. Box 80082, Salinas, CA 93912-0082 Lost or Stolen Card 1-877-213-0779 Manage Your account online at www.gmcard.com :ii::iieii?`I.i~EiFf'" 7'r_F~ iiii:~eii?iicii:iiWi.:. •::~ ::: :-:::::::: :::.:::a:::..:: .:..::::::::::::::v::::~:::::::r.:::~::::::.;c::::::p-c-....::c,.. .....: ......:. ............ ......................... ......_........................_..... ......:...:......•:r ..:::. .. ................. _................... ....... ... ....... .._........._......v:...n............r.:c.....+.,.:..... i.,y...r..:..v...................:..;..v;.;.,.....iiiciiifi~ ~ ii:2.i::;:i:i:i~ ii:^. ~:iiifiiiC~::i: .... ... . . ......._.._............ n.,..........»:..,..i..t..>.m.c .....:...........i.....r.......................;;.;...:_: ^,:rr::cE.:::.::: r::::::::::::e:::::::c:::::.::::..:.::::::........._..3..._.............._.._»_.......... ...»... .._ ... ,.........L.......,...G............ ............. :,.,:,,,,:a.:.:ci:,:,„as:..:a<a::;;:a,::,:::,:i:~s[::;t ~ t:::i,:~ :,,:rae::::::~ :~ ,:::::- :::::::::::::::::::~ ::r:::::::::::~ :::::;::~ :::::aa:a::::::e;;;e::;;a;::;J~ ;;;;i;;:,,~,,,,:,::,.,:::~::~,,.::::,,..,.:.::.::.<.,:::,,::::,:.::, _:,:,,r:,,.,,:,::::,:::,~:::::::::.,:::::::::::::::::::::~~:rii;i~iii;;ii<=i[=i~ ;•:;:irs:i Trans Date Post Date Description of Transaction or Credit Reference Number Amount 08/08/10 08/09!10 PAYMENT -THANK YOU 2080810A040002221650801 -$1,415.0 Total Payment For This Period -$1,415.0 ........_ _........._....._.._...._ ...._..._._.. _.. .... ...T........ ._._..._.. ..... -r..... _ .. ..:. .. ... ... .... .: ;.. z:.....T.3..u..,r.E.-}?..._..x....i......,T ...:...... ... a ,.. •.. .:. _ , . r v. ..x,. n...m..........r..r...n......a.. r. r..-r ............. ......u _ : , inrsr., .: ,..xcuc...n.nn ar.:..., ... n~»,i , f~~"iii' . n .....,,... >n....n,...:,.,,.:,.,,.,.>:,.,m,_..,•:,n., ,- :._c><:.:,,,r,,,..,.:,.,an ,,.r,..,, , nr„ I'.-'Tr,ut..:~P ,ia :r .r r .. .............._. ...............................a.................._. ..m.., ,.. » ............... _........... .. ...........................................,._...........i .aa...,..................._.. .. .. ~._.__..a........... ... ...........c.en,._ ....... ............ ..:. ,.. r ,...:.. x : . , , e .r i v.:na,inf..nnr.:..umn.....a....__...,...v.v...n.....s...x..._v ................ a....... _....... <. ....... .. .t.....:.....rs ................. ...:~. , .. ..__ ................._. ,_......s:: ~ :-::_:._. . ~ .»'r u§'~s, ::;,~:iii;.uFr::;: a. ................................_.............,.........................._......_ .. vi,..l.............._. . ........ ...................._............. s......~................i............. .. _ ...~f.u.. . ::~.........._.rs.v4?c.:....:v:.v .............._...........:_.n_.c+._._..__. .._r.._..»......_.......__.._».....,...._......_.._..s._,...._.......,..._..........a._....._..~.........._......_......._ . p~ ~ ..i . .. ......... ....» .. ._.. ..................... ... ..................... .... ... ......... ., ..._. .... ..._3 S . ...... ... ............. ..........rr...... ... .. ...c...r......... ,... ., s»..L•r........... ......... ....... ... .,.....» nvec_.._uam,. ,a :a;cn. ,....c. amnnra.:..:.a...., ...... .. .»ve_,..._a ... ...v_........._ ........... .... .._.... ......._ sr t.i.nn. .:. ^:::. z. _. ^:.-: t _ .. r . » , : :, : ~ L ~ ~i F, a , ::i 3r i*r FS4Fa H i F Puir #'& rrr c ..( ., v..i..... ... :t,:i ! :;;L ~!::;::~::t:a!:: s!:t;i: ~~ ::::••:, .. .. a........ .... ~.. v.. ,::, ....3t<s:i::: :f . .. ..... ..._.._.......__..._._......... ...»..._. _.. . _ . .. ............r.».........................._.. ...................... ....... ........_.._... ,.._..__........ .... ...... .... ....... ......_ ........ ..........._..................................._........ _ ........... s...... ..... ... ...._ ........:~........:~....... .r...._ . ..... .,.s .. v,.. _. ..:. e.. r....... _.._ ...........:..n._.._.......e.....,........,........:....c..._.......w........._..- .,,.....,.. •._•... ........_....::..........._......... .... n........ ... .............» ................. , : m., .., .......t...._u ............._......_......3:.:..a....._.._...................... _..................._.. ...... .. c,..c. u...a..i._..i ..w .n . ,. ...J , , ~« _ . .............~_......._........,._._...._.._.......,.,:u .:_.:....,,.<..:,.,,,.,<. ..::.<..._,....,..,:....,r.~.e...........r....__.. .... .... __.._.._. a'...~....,.._.. _..._ .. .. _.. t .............. s.._.. .......... ... .R ...........»...... ...._. Sr.». .............. .......-o...... z.......». ........ ...... _.. _......» ............._......«...........».._..................._..»....»................._....».. . f . t ...................u...........:........ ...........»..1!...t.e...L.... . . ........... ..... ........».. ........... ..... -,.t.......t....G .n... .. r... ~..~..... ...r...nrme.n..ir.~r...:n.e:.tiaan.Fr.r. r.rr~~,3ii•..Ii 4.... t!........n. .. ;....: .n. ..;.ee ...... .... ... ......:.. ......:.e...t»r...:.....-r.;....:;..;...»....,.~.....:.;......e..»........ .. .. r. n..... _.._..... ..... ......... .._ . ... ... . .. . .._.. ..... .. ;.....:._. ,,...... .._. ... . ....... ........ _ . .................._.._...... ,.,.,._:. yyyWtac Ssiiee:,i ~s::.=.,.=.:v , un:mcra.. nnn ::c: _..... .....p..........».,..~..,:.,p,:. 7>..,mc,cnni: , a::.,,,,E,s' ...... .. .. ..1._ ............. ..3.P.. ...t....~~ ..,.. ...t« 5.,., .. 1.a.:u... :SR1:4.,'r..r:I.;i;.fee.Fr......; .....«.......6......5....... .. rr...v.._..n.n_tt:............4..~'.....t......n!!4)r.. rFi..:.. ..... nv .. .r.................r.. r.,..........rrr.......... n.. ... . . rac;;:::;~ cu::EE:c.z:::rr:: :~...,r:.,,..,t..t,,,:., i_ii;an.a7rH.....1.. ....... r. ....1.....1 Trans Date Post Date Description of Transaction or Credit Purchase Type Reference Number Amount N 07/26/10 07/27/10 TARGET 00022020 MECHANICSBURG MT102080073000010019886 $94.28 o PA 07/26/10 07/28/10 CVS PHARMACY #1626 Q03 MT102090072000010081178 $47.OC o 0 MECHANICSBURG PA c~ 07/28/10 07/29/10 GIANT FUEL #331 MECHANICSBURG MT102100074000010087839 $34.67 PA 07/29/10 07/30/10 GIANT FUEL #331 MECHANICSBURG MT1 021 1 0071 00001 0071 828 $40.OC PA 08/02/10 08!04/10 SMOKER'S EXPRESS #1401 MT102160074000010059570 $50.69 MECHANICSBURG PA 08/04/10 08/06/10 CVS PHARMACY #1626 Q03 MT102180072000010107977 $7.81 MECHANICSBURG PA Detach and return bottom portion with your payment. 100310 5 25 0000000000 STMT91 D J 12679 GWA1 See reverse side for important information HSBC ~~~ Account Number: 5523-1808-0042-786: New Balance $3,871.0! ®I G M Card Q GM World Card MasterCard Account Statemen Account Number 5523 1808 0042 786: ROBERT L YOUNG Page 2 of 3 From July 26, 2010 to August 26, 2011 08/07/10 08/09/10 CVS PHARMACY #1626 Q03 MT1 0221 0071 00001 031 5239 $12.4! MECHANICSBURG PA 08/08/10 08/10/10 WEGMANS #45 Q02 MT102220072000010075258 $232.4 MECHANICSBURG PA 08/09/10 08/10/10 GIANT FUEL#331 MECHANICSBURG MT102220073000010029105 $34.0 PA 08/09/10 08/10/10 WINE & SPIRITS #2105 MT102220078000010088042 $32.8 MECHANICSBURG PA 08/10/10 08/11/10 GIANT FOOD #331 MECHANICSBURG MT102230075000010088524 $95.2 PA 08/11/10 08/12/1 - PA 08!12/10 08/13/10 GIANT FUEL#331 MECHANICSBURG MT102250075000010086538 PA 08/12/10 08/13/10 WINE & SPIRITS #2105 MT102250078000010086481 MECHANICSBURG PA 08/13/10 08/14/10 GIANT FOOD #331 MECHANICSBURG MT102260075000010068334 PA 08/13/10 08/16/10 SMOKER'S EXPRESS #1401 MT102280074000010077312 MECHANICSBURG PA 08/14/10 08/16/10 TARGET 00022020 MECHANICSBURG MT102280071000010125362 PA 08/14/10 08/16/10 BOSCOVS 00000125 CAMP HILL PA MT102280071000010125642 08!14/10 08/16/10 GIANT FOOD #331 MECHANICSBURG MT102280071000010211415 PA 08/15/10 08/16!10 WAL-MART #1886 QPS MECHANICSBUR MT102280074000010066562 PA 08/16/10 08/17/10 WINE & SPIRITS #2105 MT102290078000010088311 MECHANICSBURG PA 08/17/10 08/19/10 THE OLIVE GARD00014712 MT102310071000010052497 MECHANICSBURG PA 08/17/10 08/19/10 VERIZON WRLS D459701 MT1 0231 0071 00001 00591 80 MECHANICSBURG PA 08/18/10 08/19/10 BEST BUY 00014787 MECHANICSBURG MT102310077000010039301 PA 08/20/10 08/21/10 ORB*C9W326 888-922-8849 IL MT102330072000010024065 08/20/10 08/21 /10 ORB*EHSZDE 888-922-8849 IL MT102330072000010024067 08/20/10 08/21 /10 ORB*PKCZW E 888-922-8849 I L MT102330072000010024071 08/20/10 08/21/10 GIANT FUEL#331 MECHANICSBURG MT102330074000010067281 PA 08/20/10 08/21/10 WINE & SPIRITS #2105 MT102330076000010102544 MECHANICSBURG PA 08/22/10 08/23/10 TARGET 00022020 MECHANICSBURG MT102350072000010030994 PA 08/22/10 08/23/10 CULHANES STEAK HOUSE NEW MT102350074000010136418 CUMBERLAN PA 08/22/10 08/24/10 CVS PHARMACY #1626 Q03 MT102360072000010082123 MECHANICSBURG PA 08/23!10 08/25/10 CVS PHARMACY #1626 Q03 MT102370072000010085084 MECHANICSBURG PA MART #1886 QPS MECHANICSBUR MT102240074000010071372 $232.1 0 WAL N V O 0 0 0 0 0 0 100310 5 25 0000000000 STMT91 D J 12679 GWA1 -------------------------------------------------------------------------------------------------------------------- - ® G M Card Q GM World Card MasterCard Account Statement Account Number 5523 1808 0042 7863 ROBERT L YOUNG Pa e 3 of 3 From July 26, 2010 to August 26, 2010 08/24/10 08/26!10 SUMMERDALE DINER QPS ENOLA MT102380072000010037487 $18.90 PA 08/25/10 08/26/10 GIANT FUEL #331 MECHANICSBURG MT102380071000010065343 $59.00 PA 08/25/10 08/26/10 SH EETZ 00002Q PS ORANGE VA MT102380074000010057463 $46.49 Total Purchases For This Period $3,871.09 Trans Date Post Date Description of Fees Reference Number Amount :::rr.,:rfn:c?::::; ~ rn:::::x.::::n::::::r..^m:c::r :::::::::::::::r.:n:::n:;:a::::::n•.n:r..::c::::r..::::::.r.:u:r.::r..:u::::::::-::r.:: _ _ _ _ -:S". v '::e3~iSf1S: ~,rmgn9'r''_ii~ iiii:rSmii!il!i!L'9:ii^L''.i9^ __...... ...... u...... ..:..._..... ..a ......_.:........_.._.._._ ..............._...._....... ......... ._ ... .. ..... ......................:...:,.:rr.::::::::n:m:..if:F::n:r.:n:::n:::::::::::::rc::c::.n::x::a:::::::::enn::r.:::zcr.::::::::rw:::::ren: r.::::::m:::r.:a:::r. i?EEiiiiEii3i'_:=::ei:ie~:'.ii!iaFi:9"EE%i?::?!iei'?f:L•'iiS9Eiii!3Lai::Siv:Fv:_::z..:::E.dEi:. ~:: ......... ..........:.............:n.,. ..........:._ v................a ...,..... .................r..........r......ns.........m.»rz..a..,.....,r..n:::::~a:nx:rrr.:m::n:::n::rn:::n:::n:m.....:::nr..:n:rv:nn::::::;n.:•:n::c:a:n:::a:::c::n::a::::::a:::-s::::r..:nna-::::::3::.::^:a•r.:::n::::?i^^=n..... ...... .........:....:.. .... .:.... . .. .. ... .. .. ....... ... _... ... ...... ... ,.... .... u iEur.:iim :'iTi~ u:, nii':a6":: iFnS:m:::::ui!:: i'r.:r:•a: m::;..6:::•:~::i inli!Ui -~iF':it5na?u m;un irun?y;n~:!9!!Sili:~ri?, ;i:.9 . ...b. _... .... ....{ .. ......... ....... .. .. ..._ ......................................................................................................................................................:............................_...........:::..::::::::~:.:::::...::::n::..::..:m::::::::::::i:::::n.:::.:: :::.-:::a_:n.::; ...:..::.n::_:.v..::n !:::c :v:_:n.:..n.:L•::m3:::::i'i iiiiiiii3iiiiii~'.riEi!iiimi:?Snu:ES :::::::::v::c::u:::::a::a:nm::m:s:a::a:ism:::ns::::::::::::m::::a:::::::v::c::::::::u_::n: : ,E : _ ._ . :. .:.........:....... ......._ ........................:...........1................................ ........ .... :s::~::::::^:::: _::c:::::::::: ~:::ni::-::ac:::::::::::nn:::::::n::c:::::::::~:F.:::c::::::^::r.::::n:n::::,:^ :...:::..:....:: .. ... :r . .~ ^:n::x:::n ~ :::::p:::::.::pn ~ ii:n:~ ::;::R;np::vx;:_;:._::^~ :.~ ^...... ru:v:u_.v ..:.:... :......... n.. ... n....:....... :....r......». ..........n.._.. ;.~ :... ........ ........ ... ...... ................... ............................................ :.._c.: _: :.... :...._t._.........3::•8_::?n:::::::::::::nna:re:•n:;::::n::n:a::::::n::_ :::::i::::~ :': .._ ..................._.........................._. ..................................._....,..................._...,.,,........._..»......i.._..........,._..~......................._.»................ ...._._..... ....._..._. ::••:::::::~::• :: ~:::: •~:n:i::::-:~s ~::~ ;ca:f<ist•::t:.::::::i:::.:,:::.::r::,:::.:v!:.:.....a:9.ii :!:i!iS! :! .. ......... .........f. _................ ............: .. ... ......................i...............:............... .............................._...... , . .. .: : : ..... a .. ,. t. ... ...:,:.. . ..... _ ............................. .... .~:....,..,.:...:..:::n::.::.,..,...:.:..:.::..:::...:n..:n:l:::::,...,.nn..,:..::.:::.::n„n::n,....::...,.,.,<..:...:..,...n.,..n.,..:.,....................:.....:.........1..1:.n.........:....::............n.........!f ....;!.:...t..:f l~n.,:..t ::,..:..........»::..........:............:.....1..:......... Description of Interest Charge Amount INTEREST CHARGE ON CASH ADVANCES $0.00 INTEREST CHARGE ON PURCHASES $0.00 INTEREST CHARGE ON BALANCE $0.00 TRANSFERS Total Interest For This Period $0.00 - ::n:,,...... ............ ... .........:'.c::::.f??.i:5.3:iiiciii".i:i*~'ii:: i:.i L:::::ir~ ::::::::::::::' :::i:::':i:::.:::::::::::::::::::::::::r:::::::::::::::::: ~::::::::::::::::::::::::::r:::::::a::: ~~ii~iiiiiiiii•.':ii~S~3:ciii:':'•!n!i!•FY.!~ii~Y~SS#~~ii~Y!~~i~.Y'..ii1F!!N~Y:ijF~iiui' ~'i~~:ii~`iii:'i:r'ii:i:ii ~_ Total fees charged in 2010 $0.00 Total interest charged in 2010 $5.49 ::::,n:h,,:::.,l,:i::..,,...n..,.:ff :::.... .::...:.: ' ::.::,...:,.., . ~:: ,6 i n u ,m .. ,n»:. u.. 5. .v....,_ ... v..m.....r ......... ....... .,.............:.».._ ......:c....<:R....,....;....._::::::::::::::,::: '.: ~ :- ... ~'.:..:..... - - ~;:~f~:F-i:~y ~?::ri=--z:, ~::~::~:f:;-~?~,::=;:fl:,:f~,.~;$,.;;n:::;:::1,:,.::: ...................._........................................................................................................................ _............:....::::n:::::n:::::::::..........:.,:::::::,:::::n::n::n::::::::.......n:...::n.:n,..:::..:::::::n,:n:,vn::i,,::i::, E...,._.................:n.......n....... ,.....................,....:......:,............... .:.:.:..:....:.................E................................................................,............. .._ .....................».._.................._.._._................G.........................._.......... , ..:.:..............::...;...........,,,..,.,., ,.:...:........,.......,n...... ...:... :.,.. ~:..n .....:....:::-:....::::,::: ~ ::::::: ......................................................................... ... ..........:............................................................._....: ... l..........., ... ........._.............................................._...........~?'~~#1]eC..$~Mnu~.~~t.~3't~~..~a~t ~..A~. .nTlt ..Pei' o .::.........._ : t E ~ ....................... .............................. _.............:.. .. .... ..... ..:: _!'_::_:,::::.:.:r'm:::_.._f...v..._ ......... ........ : _.v.._._.. _.._ ............._.............m:::v:c. ..........~....::.....a::::::m ..................:............._..n..,...v..v....._.._v_.................n_».........G.vA_..........,.. ..... ........ .................................................................. ..,. ... .:. _.... .v...w .f.........i~I.n.. ::.::: •n.:..J. an 1. ::v.......s:.m::a:::::: m:::man::..r::r.::::n::: ~::::::?::::::::::n::?::x:^:5•r:s:?:rrmr........._.._....x....._.:.._.._... : . : n : n: iiitiiliiii~ .......... nn::a:::a:n:r:a::a:x:n:o:::n:nn+:m•m:cu6::::n ::m, :nnc::z:::r.:a?:n::m:m:n:nn:::?:nn,r: m~c:x::v:::r an•- - ...,;...._ .............._.........._.. .:~t:mn:=?Ei:?~IF~wa4:mnnnnnnGuua:B:w::mf:~rcal}Iiili'iA'ii''i viiLS~ u .........._.,...........,........._..........:.....,...,.._........._.......i................i...._3._.._.._..............._.._...................s.l...,........c....d.....s..........i.......,........_....v.,......._.._.._.......v...,.,.._.v._...........,._.._.v. ................._..u:inr: , v .. 'ii'niiOFiiiiiif is iim"eiEii n : Trans Date Post Date Description of Transaction or Credit Reference Number Amount 08/26/10 08/26/10 EXPIRED EARNINGS 20100826 10000 $16.62 ......_... ...v.. ..._ .......... .. . » ............. ..... _............ ~,... ....... ............._.............................. ......... ..........................._..» . : v.vv..:.....nr..:....n..._u.....a::v.,...nu...v.:...n:um..u.....n....nL.,...G...v.,n...::::s....v....v.....n:m:scm:a:iri::i::.nn:i. .. ..... ..._....... .... ................... ...........;...._.._.....n.:.. .... ..;. ........ ;::..::._: ..........._r:::::::a::::;:_::i...::: ~ ::::..:......................:::.............:.._vs...;...........;,;...._,.............;...;.;.....:•:i:'iiSEiiF.Seii iicSi"i,n'n'<iS}'ri~ rc iniir,"rifiiiiiiiiiiii ............................. ........................ ........................_..._....................._.._................................................................_:......................_......v......................................................................................... ».............................:. » »..r.:••~c:::::^:c•:c::rc~:r:r:r:n _•:..c:::a::::::::"•.:a::::::u,:.:::.:.::a:.:...~.i...........__.d ...... ................_...._.. _...._. . .................._............vv ::u::::::a:n:,,n:m,:a~~:m.,~nnnc,.n;,-•:~:a:::.;n:a•••-~ s:aa~::::~:~:::::~ _ .......................... y. ,h~~~,~? .:... .... .... .. r.:°°r:mm:anon:a:::::mmu:::ana::n,:s::::::a:. .. ... .. .. •.. ...... .• _ i"e{iii3ifiiinii ::: ::E:,:::: ~:::i::: <,~,n :::.:::::::::-:::;n::••:::::!::::::s:::::::-::ni:::isa~:-;:~:.::::a:!:::::::.=.::a::n:,::::_:i::f:~:,:n::;::::;n::;::::~:iSnii::is:r::::s::;;:::::;_; ~;;i!:;:uisa:!i;{aiiaes• e;:ii:;i>sa,:s ::: k,.'lGi:~' .'i:.'.. ~ ~i;l~ ~~. ~ ~p ~ ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::.n~::n:::f:::::a:;:;;^::::n:::::;:::::::::n::n::::::;::;::::;;e:n:?::::isiir:::;f::~.n:.;:,t:.:;.:::.:::.:;..:;::.~sss:s:;::::::;,ss:--~n'ii ~~iiir~:;;n:~;::;:::::;::::::::::::::;::::,;::::::::;:::::::::::,:::.:;i'i:i:::::~?n::f:.:p:;.i:;:.:;:'iii:..::........;..;....;.;....;_..;....,............_....._,.....; ..; ....; ...;................ ~: ~ s...._.- : t : f~~y, : ... , ,. ..........:: •: .-:. ....._........,:~ ~ ~ •: , t „ Ins .. ,. ia,sr:'Fnin, .;na:;.iF .........u ..:........:.........v.......... ... :fif.... .............................,..................I_.:.......:.,..1.............._...I..........:.......v...........:,........:.•.:....v............F.......:............:.„.....................:.....:.........:........::...:.uu.:::..n:u.,a:n.. nn.,i:i,.. .. ._:. u.... u.: ..... ,,:n,...n/:u~Yi~'i .i. .. .. .. .. .. . , ...... ....................... .._................ .............. it.. ......i.mqulmfrin!!'!'!Y...l.L. 1.1}.... nn'!..............a:; ;,:i ;yrt'....... .. : _ _: :.....i.. ....{........L..........a... .... :.....v...........v .. ..... .......... .._..... ;. ._:•: :.. ....: .. C:......n..iv.__,._. _......_a........».a.G .a ...d~S.n S , t t - .:.:.n,.t.,.n,.,.n.m._..,f::uv,.,...:.v...........,v...n.......v.....n..:u..n...,_:.un.:..,...v..:_.v ...................._..a..e....._....................._..............................v...._.n.._.._............................n....v.:_...._..........:............_.......v.v.n......u....v........_...............:....,..... v....._..x.......... ._t _ .. ............:2 . Your Annual Percentage Rate (APR) is the annual interest rate on your account. .......... :.. ..i..........................nv........ ........... ............... ,. .. , ..... t ..:... 3 d.. vn...,n~.va,, .,.,., .r..,..,,..{t,.i ,:rv.i. n, n..n.::,.,:t .t:..,,+v....n. v.n...,.nv.,.. ,...,. n,.. ,E..a ............:e.....:n..n........ n..n.._...............vans`.........................................n .........n .. i.. ....... ..... .. ..... .. : t3'i ., 3. ,:i ktfu,:m,:i, ,: ,,.,C:an,l,,,, ,i, ,: ,m:~,.an~i.i..3:.ti:n: .I.i...,.:....1 .......:..............3......P........._.....E..a.....3~...F.._....E.............._.........f................._,...E...f.....:5}0....._..............._..............:...:...._..».........:....C......._.i................._.............................,....................................n.:.._.a...:.........,.v,.........»..a.+..............,C.v..........,.......:.......,.... .,n», .n.,a.nm_m.nm v ni 3, anm W~,, nnn . .... ........... _... ,.. ... _.. .................._ ...................Y..._ .......... ......81 I .. .. ....._.._.._... .. ..... ....... .... ... ..... ........ ........... .. ........................... e... n :G: ..: n.nun.:.mvnam.nv..:annm.nvv.i ...:.v, an........(h....,..v.:.n ......:......._.v...n..............._,.n.....:...v.................................:........................._.._...................v.s................a.......................... n.... ....:......... _.......:.. .. .. ......._..............vSl. ... ..... ... ... _.. .... .. ........: .. ..». i _ v . . .........: 3 :5... I.v: v..n......r ....: .... ...... ..:....l..t' .....................................................7................................................................................................_.................:... ...:.........:.....»....._. 3 .n..rua.,s3,...<.u ..v3. i.:.nni.n .. vr..._..., ...... n „m! ....E....a __.}..........v_ ... .......... .. .9.... 9. £ .................v;.{.»...,..v;......;;.;...,_..... ... ..~......:•:::{.....»_..........:................................._..a............::~:::•:::....................._.._v..............,;;.n _...;.••:::::::::::::::n:::::::n?•::n::::::!::::•n!:::::~ :::~ ::.'.::n:m:::::::::::::::n3m:a::::.... ....._......._.... ,...._....._...... _...... m ..............:.. ......... ........_...........,:..».. _......._........................................_....._........................................_.._......... .. ... - ,,.aid.. .nnnh,~n.. :,u.: :.m ..............:..r... ..........................................._._:................._................._..........................r........................................_.-•::::n..................._............................ ..., _ .. .... ....... ..i..........;..:r.:ntr. ......; ..: ~::r.: n::~'::n:::::: .. - ...: :..: . :. ..._:...:I n.,, , nnn n».,,m„ »n,n ,al :mn,:n,:ri,Inl,E,.»,m,m.,:..,......:.ln,m.,,.,......nm:•,•::nm.,:n:na::::!::,::::E:-::at<;....._:........_i., ,:....k~:rasis;-E:n'::; +.:::::?:a:!;::vl ...............3......:......_...,.,..........,.al.........................................._..................._,._......................._..................._....................._....................._._.._....................,_.........._......,E...~.,..,_,n a.. n, ,,. n ....................i........».,.,.......E....».... »...........,..................... ..............,..n .....,.............. .... ................_...v...,.........._,:..,,...._..........,3fc. a,...:.._......_,................... :_.....u. _ :e. .. ....i ...... ........ .:.......L....,.,...,.. v........................................................._.............,..._.._,......................_................ ...,.. .....a...,, d_,»,n .,,..:...m .n..n.n.m,n. m»n: n, n ::a:a:: nau:: annn-ru •,m:rrc,nrmmr;;,. ,.; ....n .n~:~:..:n: arr , ~~ ........... ..... ............ .renr^n::,ie.S::::; ...r.: r •ran?: i::~:n. . • S-: .: S§SlfiiiF3'SiSiS!Si:iSiS:T.ii;:iiiv:..}.~.,5,~.._..93~1iS3.^i!ifid!!iS":intq::':I:::. .....vv..v.n,....._.:,.,..v .............._....Ef....:...v..eav.....:v......v.v........,v.........._..........._.v.....v............._..............._......_...............ufn..a...............a._.:n.........v......5._,.....E..........i....L.._...7.........._.....,k.......JS..1.,Sf..&._.....i..._.l....__n?.,..S6vS.. ....._.._. .5... .. ,»l...n_:n...f.l..». 6.._.._n........_. _. a~ _...,.. Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge PURCHASES 10001 14.99°,6 (v} $0.00 $0.00 CASH ADVANCES 20001 24.90°,b (v) $0.00 $0.00 BALANCE TRANSFER 14.99% (v) $0.00 $0.00 41111 v=Variable Rate Earnings Expiration ~ Previous Earnings $2,628.04 Expired in AUGUST 2010 -$16.62 N Earnings Received $193.55 Expiring in SEPTEMBER 2010 $6.04 o Additional Earnings $0.00 Expiring in OCTOBER 2010 $23.88 0 Earnings Adjustments -$16.62 Expiring in NOVEMBER 2010 $18.32 Current Period Earnings $176.93 Total Bonus Shop Earnings are included in the "New Earnings Total" section of your Earnings Summary and New Earnings Total $2,804.97 ! redeemable towards an eligible, new GM vehicle. Log in to view your Bonus Shop Earnings at Anniversary Date 06/01 /93 www•gmcard.com/views. Anniversary Y-T-D Earnings $298.97 Lifetime Earnings Redeemed $3,599.09 100310 5 25 0000000000 STMT91 0 J 12679 GWA1 ~ G M Ca rd Q GM World Card MasterCard Account Statemer Account Number 5523 1808 0042 786 ROBERT L YOUNG Page 1 of 3 From August 2612010 to September 24, 201 Previous Balance $3,871.0 Payments - $3,871.09 Other Credits - $0.00 Purchases/Debits + $1,804.19 Balance Transfers + $0.00 Cash Advances + $0.00 Past Due Amount $0.00 Fees Charged + $0.00 Interest Char ed + $0.00 New Balance $1,804.19 Revolving Credit Limit $10,000.00 Revolving Credit Available $8,195.81 Cash Limitt $2,500.00 Cash Available $2,500.00 Statement Closing Date September 24, 2010 Days in Billing Cycle 29 tCash Limit is a portion of Total Credit Limit. New Balance Minimum Payment Due Payment Due Date $1,804.1 $19.0 October 20, 201 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee from $19.00 to $39.00 and your APRs may be increased to the Penalty APR of 30.99°k. Minimum Payment Warning:lf you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: tf you make no additional You vall pay off the And you will end up paying charges using this card balance shown on an estimated total of... and each month you this statement in pay,., about... Only the minimum 14 Years $3,546 Payment _ $63 3 Years $2,251 (Savings = $1,295 ) If you would like information about credit counseling services call 1-866-569-2227. ~~ -- Questions? Payment Address: HSBC Card Services, PO Box 37281, Baltimore, MD ... 24Hour Automated Account Information 1-888-763-5655 21297-3281 Espanol 1-888-763-5655 Billing Inquiries: Customer Center, P.O. Box 80082, Salinas, CA 93912-001 ~ „~- ,,. c+.,~o., r~.,~ 1-877-213-0779 Manage Your account online at vyyyW.gmcard.com N 0 0 0 0 0 0 0 Description of Transaction or Credit PAYMENT -THANK YOU Total Payment Fnr This PerlOd Description of Transaction or Credit HOLIDAY INN EXPRESS OR ORANGE VA MRC H I N V#: 0000293503 ARRVL DT: 082510 DPRT DT: 082610 MRCH PH:5406726691 PROPERTY PH: 5406726691 Transaction Total FOOD LION #2538 QPS LITTLETON EXXONMOBIL 45487725 GASBURG vn Reference Number 2091210A040132921006901 Reference Number MT102390078000010087209 MT102440077000010080979 MT102440077000010095633 Amoy -$3,871 -$3,871 Amo $11! $10' $6! Detach and return bottom portion with your payment. 100310 5 25 0000000000 STMT91 D J 20470 GWA1 __-__-- See reverse side for important informal -------------------------------------------------------------------------- SBC ~~~ Account Number: 5523-1808-0042-~ H New Balance $1,80 .~ . G M Card Q GM World Card MasterCard Account Statement Account Number 5523 1 808 0042 7863 ROBERT L YOUNG Page 2 of 3 From August 26, 2010 to September 24, 2010 09/02/10 09/04/10 KANGAROO EXPRESS 39Q90 HICKORY MT102470071000010097960 NC 09/03/10 09/04/10 WAL-MART #2513 QPS DAHLONEGA MT102470076000010066010 GA 09/04/10 09/06/10 WAL-MART #2513 QPS DAHLONEGA MT102490071000010219600 GA 09/05/10 09/06/10 CHEVRON 0301542 DAHLONEGA MT102490072000010042670 GA 09/05/10 09/07/10 SHELL OIL 575249206QP5 CONCORD MT102500071000010080883 NC 09/05/10 09/07/10 CARRABBAS #9305 CONCORD NC MT1 02500071 00001 01 01 373 09/06/10 09/07/10 D.D. MART LAWRENCEVILLE VA MT102500074000010110194 09/08/10 09/08/10 HOLIDAY INN EXPRESS OR ORANGE MT102510077000010092634 VA MRCH I NV#: 0000298258 ARRVL DT: 090610 DPRT DT: 090710 MRCH PH:5406726691 PROPERTY PH: 5406726691 Transaction Total 09!09/10 09/10/10 GIANT FUEL #331 MECHANICSBURG MT102530073000010027213 PA 09/09/10 09/11/10 SMOKER'S EXPRESS #1401 MT102540073000010059710 MECHANICSBURG PA 09/09/10 09/11/10 THE POTOMAC BEAD COMPA MT102540073000010119663 MECHANICSBURG PA 09/09/10 09/11/10 THE POTOMAC BEAD COMPA MT102540073000010119664 MECHANICSBURG PA 09/10/10 09/13/10 THE POTOMAC BEAD COMPA MT102560074000010126280 MECHANICSBURG PA 09/11/10 09/13/10 CVS PHARMACY #1626 Q03 MT102560071000010300790 MECHANICSBURG PA 09/13/10 09/14/10 THE POTOMAC BEAD COMPA MT102570075000010133806 MECHANICSBURG PA 09114/10 09/15/10 GIANT FOOD #331 MECHANICSBURG MT102580075000010078078 PA 09/14/10 09/15/10 LEATHER FACTORY 03 HARRISBURG MT102580075000010125031 PA 09/14/10 09/15/10 WINE & SPIRITS #2105 MT102580078000010098953 MECHANICSBURG PA 09/14/10 09/16/10 CVS PHARMACY #1626 Q03 MT102590071000010076426 MECHANICSBURG PA 09/16/10 09/18/10 ROCKBASS GRILL QPS MT102610072000010057024 WORMLEYSBURG PA 09/18/10 09/20/10 THE POTOMAC BEAD COMPA MT102630074000010125159 MECHANICSBURG PA 09/19/10 09/21/10 DUKES RIVERSIDE BARQPS MT102640073000010049217 WORMLEYSBURG PA 09/20/10 09/21/10 THE POTOMAC BEAD COMPA MT102640075000010139031 MECHANICSBURG PA 09/21/10 09/22/10 VISTAPR*VISTAPRINT.COM 866-893-6743 MT102650073000010029462 MA N 0 N 0 0 0 0 0 0 0 c~ 100310 5 25 0000000000 STMT91 D J 20470 GWA1 ----------------------------------------------------------------------------------------------------------- ~~GMCard L~J GM World Card MasterCard Account Statemer ROBERT L YOUNG Account Number 5523 1808 0042 786 Page 3 of 3 From August 26, 2010 to September 24 201( 09/21/10 09/23/10 ZEN JAPANESE CUISINE MT1 02660071 00001 01 1 1 509 $67.2: MECHANICSBURG PA 09/22/10 09/23/10 WINE & S P I R ITS #2105 MT102660075000010089989 $25.4; MECHANICSBURG PA 09/23/10 09/24/10 GIANT FUEL#331 MECHANICSBURG MT102670075000010078428 $79.11 PA Total Purchases For This Period $1,804.1' Trans Date Post Date Description of Fees Reference Number Amoun :......::.:::t...........:.........:.:....:..:.:....:................ :.........:............ ....:..::.:. ..................................t....::.:.:.:.......... _.. .........................:...:_.:. _ . :::,:.:- :..:::::::::::.:•:::::,::::::.:,:::.._: ..................:.... ,.. .. ..................... ......................... ..... ...... ............ .. "iii'~~i;;`iiiiii~-`.i`'~~iEii~'"'iiii4ii?Ei?ii~Ei;; ............._.._......:...__._......_.._......................._._.._:::~ ~:::_!!..n:..n!.,..n.....n....,..,,a.,......:.,n:.:,....,..:..:........:.~,.,,:.::.:_n..,n.....n,.,.....n.n:_,...,.....:.n:.,n,.:::::,:n,n,::::::,:::::;::t~~i~I<s~l:~ . :::::2:<:::n::n::a::•:::n::::::::::n:::,:,:nn,nn::n:::::nn:,,n:nn:n n :.:..:::::::::• :::::::;.;.: ......... .... ...................................... .4 ..... _......................_..............._.._................... .. . { :`i~ii ii:':iii'.ii`'iiii~'~~i`ii?iiii`:'~iiiii~i:i'iiii~'siiiiiii;ii _,. . . .::.::...::.:.......:.. .......:-: ...i.nn.....n,_:ua.....,...n,.:.:....v,.and , . , an u u, „ v : ......._._............._......... .. . .. .. ........... ... ......... .. r..._....:... .. u : ......_ ............................................................................................ ............. ....... a ... .... .......d..a...,n. ,.. .:. : ..... .... ........ .... .. ........ .. .... .... ........ ......._................. .. .,..,...u...r,.,..,.rn_..n....,...,.:n:...,.n.nn .............m,tlar......... .:.. .r .... .._.. ....... ......._ .... .. ... .... ... ....... ... ....... ............ ,.c...... ,rn...:.vu:i:i::,: mane: arn . : .................... .........:•;:: ...i; ....... . :.... .... v ..........................._,...,,....n..,...x..,.,n..,.rsnvvu:......a._nn ..v.ss...nnnn,.,.,a..,. v.ss.::...,u.,i+ , :.an:,m:m::mru:: u::n:::., ...:n . n, , n . . _ .. . . .. ... . _ .... ...3..1. . ................... .....:............ .....;.;;.i.. ...:.:...:..:: n.:::::..~:::.-::::a::........ nu:,:n ,n;... :. ,.. .. ..... .. .. ... : ..:an.:,.?{u.n,u..mi,n:.uv.nl. nv a,..:.Ivnnu naan un:,, :..u.,. . _ ........................._:.7..........._.c...L..._.._......!........I.......1........ Description of Interest Charge Amoun INTEREST CHARGE ON CASH ADVANCES $0.0~ INTEREST CHARGE ON PURCHASES $O.Oi INTEREST CHARGE ON BALANCE $0.0~ TRANSFERS Total Interest For This Period $0.0~ :.:...:....:.::.:::.:..:..:.:.:.::::...:: r .~~ ::::.:n ..::.:::......:.:...:::::::: a~~ :- ~; ~±~tf'f ~~'1~ot<al~ ~~"earactat~:;=; ;-;;=-t,_ ........................_...a.._......,.._..................._.._...................._.._.................._......................._..r.............................._.... iii i:!„mm~nii,iiii<isi,isi.::::,n,:.:ii::,,:,::,::nn:m:..:::- .::::.:::..::::::nn::,,,,::m<:,:n,:.:n~::nn:nn:,,n:,,n,.n:n:<n:n::n:,inin::n:F:n:n,::n _ Total fees char ed in 2010 $0 00 g . Total interest charged in 2010 $5.49 ~~ . ::::..::...:... .. :.::.,.:r,,..,..::-i.-:~.:::::~:.; .n:...::<n:r.., ::;.:G:::: ..i.....q.. ! :::-it :iko:k ~ ..: ! ~~.::::.:.~..:~..:..:... . _.. :: :nn!:ti,-.;ii.;?I;i3ii•tiit;ati;s,:s k(n k ki a f 3% is a : ,, . : . .. r..:: : n nn....::.:.,.,n . : , ,,.,.., _ ...... . , ,,.n,.,.:m, ., ,.:. ....,._,....:.. ___.._. .._. ..... .....t ................tt......t..t. .. , , ....m.v, .m...v,...v, .._,.....!...n....... i.......n:. .......t. .......t.. :.......:..k ...........................:.._.....:..,..:.:vS.....r.......,......................,5(...5... .. .. ......: .:.......:......m........ ..............u4......... .. .... .......E............(..............................................i............................... ........... .................. .... ...... t. f ..n4fi. ..::.,...,.k..k:.....,...:..LI..,..:............:....,...... -- ::... nn.,..,. ,~.m: r .n.......:.m,.....,, :nn ::.:......:.... n:.m,.:m,.n,,.,, ••n,m:n:::::,:mr -,,::,:: .., , •::::: ~,::: ,.,.. ;.,. ....................._. .......... _..... .......... . ...........a .........:....._. ,:::,:..,:., 1 ...............r...~:. .... ~:: .,................;....,.. ~y~,~f ..:_ .. ..::::::.:.m,:nnn::,:::mm„r,,,rn,nn:,::n:::,:,<•rnnnnr,, ...}._.._..... ,. .. .. ..._ ........._ .....................t...........~.........i ............................... .. 1. .... ... •L, .L.........L.u.:.......n............_ .............................x .. ..... .... ....... ......:.. ........................... .... .. ................ _....... ~.............. v.... ... :.:. ::: :. : ~: . . ._.._.........._ . . w::::.:. .._.... m:a : ::::::::.::.:::::.:......_.......~~il#I~I•"::. :. ...SR~Fr ' .. n:G:nn n.:3in: ll~..lrnl... . ~ i ....... .......:ti.... ...._., ._ ....:....... .. !~. .....I~lil~..#IC .... .... a::~ :: :: ....................................... _:..... .....!t a , 5 : ' ~ .. e.. !F.:.:.....e..... n. .... .e..._,.. .t. .....! e.. _... .......:.,, t ..S..:f.nT: L.,. 1 .:: nur!nnu ur;!!:c::!mv!,arurnnwn':iii ifi ": ..5..... ...I.. .....l...1'..!!!!I.....:nti~~y.iii~ ~iii~%jini :'iliii i5iiii?iF.i~iiijSiCi:{. r.,_i?:; i;~r.. ~:,:::: ,.:.,, ,.,. ! . t9: 1...1: 'tFR~!EO~ii.f.....i!:?!!ii. .. .v,.l.,.......... fl.........Ek!'i ._.... : .............................. .......... .... .......r:..:r :: . ............. .... ........... ....... . ,. :.,.. ::_ ~n::,!k:ir4,u!......;n,;...ni^r!':;;r,..n,,...::rm.:::::n?:r:uiSp.;r....r;..,,.._ ..........:....n.....n.:.:u:nv::::::;::nu:::::::::::::u:r.:::::n:::na!rr.:n:::m:u,mn:::mnc:::::•::n::::::n:•::m~unm,.;,.,::::u::u:r.;:e,•::::c:,:m::n•: u:a:Sr.::u::rn, .. .:..x.._:(r...l.:......h..u..u.nm,...:. ku .....:. ..: :.: -. ... ••••a ... ..:.... ... ....... .... ..... _............._.._.._.............v.._.............. ............:....t.. .....:..i.. ._ .. .. .. :: .,.a i,i4"'iiNEiiiiii!EiiiFiiiiikiiiiiiei::niiiiiiEiiiiiiii ii7'ii!iiiiiiiF'•i' : !.«........._..... i ....~ !'i'.i9ii!Senpmm~i{g m;,ram! • ni:::•,nn:!Fiieku:::u:::rea :x:unaau,n:m:r x :~::•:::::~ ::uinva:r.: ir.:iira:n :.. ...._,.._ .............n.........,..l:.._:..l.............:_:...:......._,:......,,,.,~........._,.,....._,_:.n.:._:........ _.;::..m:,:...1:,....:_..@1..._,.........t...:..n:.........:.,t.._:.,.m.,.:.:._,..t..,.,.........a...,........:......_,n.::.::1.::.n..?.,,:n.:,...:.:.m,::::..,nm:!n::::::n::::.t::,fm:::::::::::( O Trans Date Post Date Description of Transaction or Credit Reference Number Amoun 09/24/10 09/24/10 EXPIRED EARNINGS 20100924 10000 $6.0~ .......:.:....::.:.n::n.~::::n:n,::::,n.,_n,:,,n::,,::n,,,:::n:,n:,::::,::::n.:::nn,.nn,:,n:,µ..,:n:n,:n:u::,:::::::,:::::::::,nnn.::tu:n,,,:::,~,:n::n - - - - - - - - - - - .............. n„ r.__...n:..:>tn.n::,:::n,:,nnnn::,.nnnnnnn:n.,~:nn,nn::.:::,nw:nn,. ..::: . ......... .._ ....................................................._. ._....._.:........r, .........::.. ...................... ......................._:...n _ ............._v..a'.-:..,.::v...................._...,................:.............._...................... ....................._......................._.......~:F.!ii~'!°2ii..v.::°??!9i:'.Siu:!vu~v~F.ii!! -!i:li'!:!::....Ci!nii!!i:':vi!:i;iir.2tuji:jiiiri!iiiici!niiE~ji:ii:jiu:iE .. ._ ....:........_......._.................;....._........._......_.....;,_ ~::::i::::u!:Si~ i::u::-::-:: ~E::a:•.:. ku::::::-::u•u::::::::-u:::::::n•::~ :au: ~,..u; :-:::::^:•n•4:••raeSF..ifiiiiiiS~ iESu: ~=im~ i:Sii~ ir5ii5ii9~iFii':':iiu:a::;p;;ra,:rr::::~:;;:':x'.:^:~::::^:::::::n::::.- n::::r.::::ii" iiii:^'E'i::ii~ i!iEii':::'i:•:••:::•~:•^::•c:°:•-•:•:::::-.::-::n:::...?.::c:.r:r::•::`.::~:Ri:":iinii .. .. ... ......_,..,...._.......c ...................._.._......................._...........................,.:..f:...:::..:::::F.!::::un:::ss:L:::~:::::..;.,:.;_...;...,......._.._nr...,...... _:..n..z :... ...,.Iv,n,.....:.,u,.,. n,.., .c n .. .. _ ....................._..............................._.................._..................................................._.............. .............. ..... .... ._ ..,..:. :....... ....x...v.. _.._..e.....:...__.._.._.._..........................................5_.....,........,......_._...,............_....__,,.............._:........._........._., Sul o ............... ....._....._......................._.._......._......_. _................................... y~ . , r .................................._................_................... .rf:Ylh~t ~. .. .......~ ..................... 1i ........................._....,,........... ,a..... .. .. .... .._ ........t.....u. .. .... ... _. ....... ... ........ ... .... ............... ... .. ... .... .. .. ..,.. ....t.... .vu.v,.v.. ...._.._:.,........ v...,,._.....n...,...:.._un.,.:.,..,.,.,...v. .....,_5.... ,. i. ............. .... ..::umu:un:,n ~~u:re::::•::m :::::::..:.......S...r.,.,.n.m :,:ma,v: nn.,n, •r,!.. ,...:: :: .. _ .. ,,.;.. .; . :_ ........:...... .... .......................................................,,a ...............,, .. i ..... . , , ,,,..,:_ ,..: .:....n_m,._,..... .....n ........................, ... ,, .. _ ,:..,.,.n,nnn,.,.n,::!nn:n,:n:,:,,,:,::ttn:,:,n,,,nn::,,:,,:,••:~„ire;-;i...::i-i,_{:,.;......;:•::.......;. v......._....au__,........v.,....iv. ,..,.,...._:...,......:_....v....._ .............5... _ .. .......v.._............... ......._.............. a......_..... .. t......._......k,...l........1.._...............t............... I... , 3... t ..: : n n , :. , .u v u, n .v.n: nv., ... ......:..._....,.............._..,.,,,....,.._.........._.__..........,1..,....:~....... ... ... ..... t...._ t.................. _.......... t........... ...n........ ... r... .........._......_.._ ...................._.._...................... ....; _... 1.1.... :. 1,._,..n1 t :.._ ............................................_.._......................_..w.........._. ......._........................._..._ 6s........._..:._l......._. _ .................. . .........................}:....k............_. ..:. . .. . _ .........>,.._.._ .................._ ........... ..,..... . n :n,:::,,:,n::n:n::,.:nn::....:::„t.,:::::::,:nn:::::n::::::n::-:-..,;.! .:. :.........................:..........:n.....t.....:.....,.............. .....,..........:.................._....................................................................... ..e. _t_ ................_......._.................._.z...............:....._...._..t.........__..........:.......,... .. ...n............... ..........................:........................ _ .........._.........._.._.._.._.._ .............._..n._......_.......~.._...__......._._..__............._.._.._.._.... ........_. n............._.._........._......_,....r._...........t:_::n!:~!:::::n:::nku:rl::::::a!:::::::k!nS:::c::ci.:::i;n:!k!s:::,::!i:::e:::::,! Your Annual Percentage Rate (APR) is the annual interest rate on your account. :nt.n::n:: n-n:::.,: ;:i•; : ;~=a:;=n~.k::x,nn: n:.~n:n:::::n..rr-:- -"~~:. - ........... .n, ....;!i_._......... _....<:::::n::_;:n•:::,• .:n nn,~:.n.. .:r: n:..:r.....,, - .....5 ...k_.._....iK......s!......._.53:.,. :.57...53 ..,u , .... .. L . _._......n..r.:°r:. ^:: . • • c: _,.... , 4- _ , _ ...S..n. _ ,....._ 3_3,SS n.....S.nSi,mss_,..a ,s ,. , .n - ~ . ~ , , •:,a-• , ~ ._.{.... ,i.. v l... ~., .(i3 .. ..: .....n....a ................ ~ _ •• .~......r:. 5::r..: ... ... ....~: a,....z.Si31,. :........:.... ,ESS.. ...n,... ,. 5:... n.. n.. . rn i.v.mS.Sn..u. vn. _n,.Si.(S!i3 :i_! : ":: m , ,2 ...,nit.. 4Yn,P ....,i m' •k0 3 " :: eg i ......................_na ...3i....... .. ... , SS. S & .n.StttfPS: ,:kn, ni!Nk:'S S•?i_ ._......n.,.. 78..C. _I..ak. ..: ~:.,.7k.P..r .................._.t ...E ::;!n.;.,, ..;,.. ~::e: :: :::: ::. ...:...:..:., ......._.......... ... _...... ....._. t ... ..:tv .........3~......... i i ... .. ...t.. ..u.:....[.a....,....u ut.na ...._._:._..a.._.....,...u........_ ........... ....v. ,_ __ .. ...........~ ....,.._...........................................E~.. _. r .. lr....f...........t... ........_, .... .... .....l........_............ ...... 3. ................_.t..._...~...,............................_,..::............ ... n,........_.....__._.,......._...._,..._....T.......,.._..,,._.._:~!..:._.._t..._..xn...._..:..... t. .......:3;...1!..:P..It..4....9'.._.......................R..:... ~~ .. .... _ ................t............_........................................... ...................................._ ._.......a..................._......_......._...tt .................._............_..........n.._......._......_...._.........._............_......._............~............. u, _.,., n..nur~>.r .............:..:..:•.:n.v:r.,::::E:: ..;u• .:;t:;:e:::::r^...__ ..._..._.. ~.........-,:::::::::. ::ra :::. ,, :,,,n.,.n,,,,n:,,.:nnn,:n<,.:,:<.,,.,,,,nnu,nnnnnn.n.,.,.<, ., , « : ............................_.... _....,......:..... .............,-......................_........................_n......•-' . •-: -- u, .n,.u:,...,.,nm.... a._mu.amvv,n.d..n......., .m n ...:.,. .a• ... _ .............. .. :.!..._:-.n :r.:.._^..u. .. _•::_ha:............. ........... .. ....... .. ... a..s .............. r.. .. _f. , I.. ,. ..._.. s....,_....,............._.._..............._.._................. ... . .. ...... .:................... ........_.n.... ....n :....... .. ....... ..... ... .... ... _.......... .. ....u. _..........,.... .. .. _ _.f..r..........v..,_.,_,......_.........a.. .__.......n._._.._...... ....:..k, .,_._.........v.._...._...................v._......... : . f.,.._ ..... , e .: ........ a ..................... ...., . .................. .._....... _........... Ia.... t ...k...........a, . S i, d , ,ln.i ,Gf..n, vn , nv.....: v , , an 'N , .: .t.n..t.h...tt.:.. t.. z .. ... t. .. .n, dk.,.t..,n,. ,.t...:...... .! ,_.n..,.....:.t7t.e... tF.. ,{. tr s.,....t .,,~.,., n { ,..,.n......nas.. th:t:.k.., t..n.,. k,>.! t:..F'Sk •,:t :'f::: ,, 7 { ,.:,.. .............. ,. r: : < ....._.........._ ........................:..~..t•.t.................,.....i.......?,Ct....,...t.__...............kt»_k.._.....t..i.3.._..L{.2i.........!....3.......u....t,.,.....................t....tf..R...........1......... , , , ,.. ,fkia,..t. s. .4,~., SS...i61 ilAl,k,.,l I,sLnt,nk:n!::j!n.,r•,L.t., .....>....._....__......._ ..........................~.....,....._,............._........_..........._.,.....,...._.G!ttE....E..._..5.._.k!..:..,......:~_..!_..._..L :.~1._._......_t._._._,E..........._ ....._ .....,..t_ ........:......._.._t__......E........._.t_....f..._... ...... ~~ ... n ,•r . . .... ..:.......... ... .~.... >tE 6. , .....~.G• .... ... r, ... -. ~ .. . I~,,,, s ,.!~ . s... Ir .N If .,.,-,i, t,~ t... ~•::n. Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge ~~ PURCHASES 10001 14.99°,6 (v) $0.00 $0.00 CASH ADVANCES 20001 24.90°~ (v) $0.00 $0.00 BALANCE TRANSFER 14.99°~ (v) $0.00 $0.00 41111 v=Variable Rafe o ........_. t ....... .........mn::::nr,:..:::.::c:r.:nrr.:•::.:u:::na:v::u::r.:trw:::::u:c::u::um:utm::::~::-:rm:::r:::• ::a-:::::::::.:n::::: ...:. ..... ....... .x .....n ........ .................n._.._..t...::_:....._c..2uiiiii iuiiiiiiici7iiiiiiiiiiiciiiiii!i"etiiiii[iii:"iiie~!F3friEai?^:iiF.iieiiS:Ei~iii~~:!<isia i.m..............r......_:......,.._..~..r.. ......:. r'iiitii!:vF?~:iS:: Earnings Expiration Previous Earnings $2,804.97 Expired in SEPTEMBER 2010 -$6.04 o Earnings Received $90.22 Expiring in OCTOBER 2010 $23.88 0 o Additional Earnings $0.00 Expiring in NOVEMBER 2010 $18.32 ~' Earnings Adjustments -$6.04 Expiring in DECEMBER 2010 $113.02 Current Period Earnings $84.18 Total Bonus Shop Earnings are included in the "New Earnings Total" section of your Earnings Summary and New Earnings Total $2,889.15 redeemable towards an eligible, new GM vehicle. Log in to view your Bonus Shop Earnings at Anniversary Date 06/01 /93 www•gmcard.com/views. Anniversary Y-T-D Earnings $389.19 Lifetime Earnings Redeemed $3,599.09 100310 5 25 0000000000 STMT91 D J 20470 GWA1 ~~2~,,. i~~z~~~~ ® G M Card Q GM World Card MasterCard Account Statemen' Account Number 5523 1808 0042 786: ROBERT L YOUNG Page 1 of 4 From September 24, 2010 to October 26, 201C Previous~~~Balance $1,804.19 Payments - $1,804.19 Other Credits - $0.00 Purchases/Debits + $3,377.07 Balance Transfers + $0.00 Cash Advances + $0.00 Past Due Amount $0.00 Fees Charged + $0.00 Interest Charged + $0.00 New Balance $3,377.07 Revolving Credit Limit $10,000.00 Revolving Credit Available $6,622.93 Cash Limitt $2,500.00 Cash Available $2,500.00 Statement Closing Date October 26, 2010 Days in Billing Cycle 32 tCash Limit is a portion of Total Credit Limit. New Balance Minimum Payment Due Payment Due Date $3,377.0 $34.0( November 20, 201( Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee from $19.00 to $39.00 and your APRs may be increased to the Penalty APR of 30.99%. Minimum Payment Warning:lf you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional You will pay off the And you will end up paying charges using this card balance shown on an estimated total of... and each month you this statement in pay... about... Only the minimum 19 Years $7,085 Payment $117 3 Years $4,214 (Savings = $2,877 ) ~, If you would like information about credit counseling services call 1-866-569-2227. Pa ment Address: HSBC Card Services, PO Box 37281, Baltimore, MD Questions? y 24Hour Automated Account Information 1-888-763-5655 21297-3281 Espanol 1-888-763-5655 Billing Inquiries: Customer Center, P.O. Box 80082, Salinas, CA 93912-008 ~ „~+ „r ct~ion (arri 1-877-213-0779 Manage Your account online at yyWW.gITlCard.com N 0 0 0 0 Description of Transaction or Credit PAYMENT -THANK YOU Tnt~l Pwmant Fnr This Period Description of Transaction or Credit WINE & SPIRITS #2105 MECHANICSBURG PA GIANT FUEL #331 MECHANICSBURG PA HI LIFE DINER MECHANICSBURG PA GAMESTOP.COM/EBGAMES.C 800-883-8895 TX SRR'SIRIUS RADIO 888-539-7474 NY KOHL'S #0337 QPS MECHANICSBURG ~e Reference Number 2100210A040322371205301 Reference Number MT102680076000010089203 MT102700071000010246361 MT102710075000010137236 MT102730076000010073534 MT102740071000010064617 MT102750076000010076848 Amou -$1,804. -$1,804. ;;::s:;:„:: liiai i~ihi4iaas~~~ ............... ..j.,...... AmO~ $25. $33 $29 $38 $33 $139 Detach and return bottom portion with your payment. 100310 5 25 0000000000 STMT91 D J 12369 GWA1 See reverse side for im octant informati~ -- ------------------------------------------------------------------------------------------------------------------------ p---------- B~ ~~ Account Number: 5523-1808-0042-7 H1~ New Balance $3,371 ~~. GM Card ~..~~. . GM World Card MasterCard Account Statemen Account Number 5523 1 808 0042 786: ROBERT L YOUNG Page 2 of 4 From September 24, 2010 to October 26, 201 i 10/01/10 10/04/1.0 THE POTOMAC BEAD COMPA MT102770074000010141471 $98.8: MECHANICSBURG PA 10/02/10 10/04/10 CVS PHARMACY #1626 003 MT102770071000010314502 $2.8 MECHANICSBURG PA 10/03/10 10/04/10 GIANT FOOD #331 MECHANICSBURG MT102770074000010084874 $67.7' PA 10/03!10 10/04/10 MT FUJI RESTAURANT CARLISLE PA MT102770077000010085482 10/03/10 10/04/10 EXXONMOBIL 47871314 PASADENA MT102770077000010089990 MD 10/04!10 10/05/10 GIANT FOOD #331 001 MT102780073000010024642 MECHANICSBURG PA 10/05/10 10/06/10 GIANT FOOD #331 001 MT102790075000010088865 MECHANICSBURG PA 10/06/10 10/07/10 BARNES & NOBLE #204090 HARRISBURG MT102800075000010080317 PA 10/07/10 10/09/10 T.J. ROCKWELLS AMERICA MT102820071000010054749 MECHANICSBURG PA 10/07/10 10/09/10 BARRE ARMYINAVY STORE BARRE MT102820071000010093571 VT 10/08/10 10/09/10 WINE & SP I R ITS #2105 MT102820076000010106809 MECHANIC56URG PA 10/09/10 10/11/10 GIANT FOOD #331 001 MT102840071000010259123 MECHANICSBURG PA 10/09/10 10/11/10 THE POTOMAC BEAD COMPA MT1 0284007400001 01 31 1 33 MECHANICSBURG PA 10/10/10 10/11/10 WAL-MART #1886 OPS MECHANICSBUR MT102840074000010066250 PA 10/11/10 10/12/10 THE POTOMAC BEAD COMPA MT102850075000010145605 MECHANICSBURG PA 10/10/10 10/13/10 MIDDLESEX DINER CARLISLE PA MT102860075000010119082 10/12/10 10/13/10 GIANT FOOD #331 Q01 MT102860072000010064773 MECHANICSBURG PA 10/12/10 10/13/10 GIANT FUEL #331 MECHANICSBURG MT102860072000010065080 PA 10/12/10 10/14/10 SMOKER'S EXPRESS #1401 MT102870074000010078193 MECHANICSBURG PA 10/13/10 10/14/10 GIANT FUEL #331 MECHANICSBURG MT102870072000010022954 PA 10/12/10 10/15/10 CVS PHARMACY #1626 003 MT102880071000010071806 MECHANICSBURG PA 10/13/10 10/15/10 THE POTOMAC BEAD COMPA MT102880075000010129825 MECHANICSBURG PA 10/15/10 10/16/10 GIANT FOOD #331 MECHANICSBURG MT102890073000010086210 PA 10/15/10 10/16/10 FIRE MOUNTAIN GEMS INC 08004232319 MT102890075000010113569 OR 10/15/10 10/18/10 THE POTOMAC BEAD COMPA MT102910074000010155537 MECHANICSBURG PA 10/16/10 10/18/10 TARGET 00022020 MECHANICSBURG MT102910071000010160854 PA N V 0 N 0 0 a 0 0 c~ 100310 5 25 0000000000 STMT91 D J 12369 GWA1 -------------------------------------------------------------------------------------------------------------------------------------- ®IGMCard Q~ GM World Card MasterCard Account Statemen ROBERT L YOUNG Account Number 5523 1808 0042 786: __ Pa e 3 of 4 From September 24 2010 to October 26 201 C 10/16/10 10/18/10 THE POTOMAC BEAD COMPA MECHANICSBURG PA 10/17/10 10/18/10 WINGATE INN MECHANICSB MECHANICSBURG PA MRCH INV#: 000005523 ARRVL DT: 101510 DPRT DT: 101710 MRCH PH:7177662710 PROPERTY PH: 7177662710 Transaction Total 10/18/10 10/19/10 WAL-MART #1886 MECHANICSBUR PA 10/20/10 10/21/10 GIANT FOOD#331 MECHANICSBURG PA 10/20/10 10/21/10 WINE & SPIRITS #2105 MECHANICSBURG PA •~ 10/20/10 10/22/10 LUSH SALONS INC. LEMOYNE PA ~_ 10/20/10 10/22/10 SMOKER'S EXPRESS #1401 MECHANICSBURG PA 10/23/10 10/25/10 WINE & SPIRITS #2105 MECHANICSBURG PA 10/25/10 10/26/10 WAL-MART #1886 MECHANICSBUR PA 10/25/10 10/26/10 AC MOORE STR #82 ~" MECHANICSBURG PA 10/25/10 10/26/10 FIRE MOUNTAIN GEMS INC 08004232319 = OR Total Purchases For This Period ....: ......r...._...... L..«.........f ................. «. ..........................«..... «..r .................................................................._............. ... ..... ........... ........ .........._ ................................. ......................a..«..................._............_.............a. r..r.u.a::.x::uv::u::u_.nrn_..xic::::::Em.d.. +nn.nunvv.um:vn~u .,. :. :.. :..In .........................«......................._.._ ........._...... ..._.:.r.........._._... .. .. .. ... ... ..........?............ ~ : ,::¢........n.:na,n.«......:~ .............r.......,.::::_:::::::::~::::::::::::¢,:.,:::::,:::.............................:...........r.: r.n rn{.n:. n ..trn r,rn..,,.:.a.::nn~n, ~_ .........., ............................:•:•:::-..... ......................_.......................................... ....._.........._.«.....s..:,_......«,.............i....:._......k. ~ .... n::ts¢,:nn:n::~:::nt:n„¢::¢• nrri::::n:::::~ ii=:i'. ,~:::5cEi"iFeEE: .n.:n:n....~n~:;{:,;~Er{¢,::•::; .{..._ ......... ...:::.:. r..; ;-... ..............c. ..:.................._.. i ................:c..................................1....._...a......L:.!}.in....r.;..u.....i............{...:.c:::r::::::::::::..:-:xr~::::::::~::r: :::::::::::::::::c:.. yp?~ mr7r.:i. .i.. i.n~.:..rvv .................f...................._..¢I:...;:;.«t..u:::2:::r:::.{..................................»..........................._. ..................._:..r......i.............:........._...t....i...u........_.................._..__•::..;. ;..... .. ... .....................:......:.cr.:::.:.n!r!:ut..........1~:....t ... ........, .:. S:d:::::: .....u ..................._.._:... n:mv.....:.. ....f.. i.....e............«...,~._....e::::m:nmc::v:::vv:..v..r...m::••v::::~ ..:..........._........................................._......................... ...._... ..................... ...._ :.n• • :....:::.:.:: ..... ...... v............._....e.................._....v....._........_................ ........ .: c .nnr.em..c:. ....................... c...... . .hc::a.:x:::.....r..~::••nr.....;;.r.:.:.:.::::r:::::::::::isvv:_..a..._- ::::.......:......_...............:: r:.¢.....;..........._......:.:a::::::i:: i:i:::::iEi ::::: rr:•:: ......................._.._....n~...::;:r::::;mm::: :::::r:::::~::::ia:i E:'iEiiEei.'Eiii:'iiiiiiiiiiE'rEF.liiiEEii'rn~"-: ra:::: .. .................... ............................. ......¢........r....:............n_nv:s.:a::r..::::... ..._ vc::::a::..........v....u.v............~i:c::cs.::n::::::¢¢:::¢'cn::n:::::::.:_I! ..::::n::¢n:acnnn:nu.v«r..nr.:n:¢r.¢:cmu:r:x'aEiiEEiEEiiii2EiiiiiiiEfi«cifEin_ia::::: _. v..._ :.. .... ...... ::v:::. Trans Date Post Date Description of Fees ...:gFii:i2E'ieEiiii:'~':i::~~.:....:..:.«:....:.vE. cr.^:a..«.i« ......... ... ...._. _ .............._.. ............¢................ :.«......._........_..._«.... .........._..... ...........«. .«.......... ...._.._..... ~ iii : v. .. .. .... .._.._....vi...v . ... ........... :: ...:.... ... }........:..........t.........i_..r.. .. ......r........... ..... .........._.....t. r..............:..............«..a....a.. .... :•:.... .... r..a. ....... ...:vr. ..._.«..... :..ni.¢l.rnnn.i.r i .:.¢hv ~.cn .:... .........vE..r.....v.........r...vn..n...rr . .:............ ....... ...... r .... _ .. t......_ ..._.:.....«:..sr.u.7i....:.. ... ..._.._..a:, n:•i •^::::::r:m:m:::v::r:: cu•^: r. f...nzi ........ .....:: ::: r-........... .....,-:::::::::::r; ..nES...._.,_..vn«mEG.....vv....rv.e~.uri....:J.:.~.........:..i......... .:...1 ....d.....,........c, s..n............._.........l..:..i....n..E.rz ......::_:._ :::~:n:::::::r:rnr:nnn~n:::::¢:~: :: ... ......_ ...............r.. /~f -~ :rv :::::.....................a.... ..._:.......... EI.................. .... ....................................:....:.:~....... f..cc::_:e:i:r:: ~t~3.~~r7Y. .9.« .:...._. ~r?.iI!Ii6ea[iiiiiiii5'ii!ii(F?+~'?i~iiiiiiiivi ......... :...:c.:c :c::v:::::::::::¢::::::c:::::: .. r ni.ni v....m.n..vmnnun:¢::c::m::::¢un::¢:::::m::¢ ::.:::::::::::¢:::::::n::::::::c:::[¢:r~::::::::::::::::::::::r:iEi~ Si'r.::....... .. ..._mnr.:nn:vvi.n..n.+-+..: ntir...n::u::y::,u¢,: nun , .. .........:..i...........«..«..«......«.......J..«.._...................Y.......P. nm:;u;npu nn;mnn'.:':i:i!I:E:'.•'«'?i^i.'?i f• _= Description of Interest Charge N 'V O O O O O O L'1 Trans Date Post Date Description of Transaction or Credit 10/26/10 10!26/10 EXPIRED EARNINGS Your Annual Percentage Rate (APR) is the annual interest rate on your account. MT102910074000010155536 MT102910074000010152417 MT102920075000010068596 MT102940071000010059708 MT102940077000010095589 MT102950075000010080506 MT102950075000010085017 MT102980072000010260966 MT102990075000010069872 MT102990075000010136228 MT102990077000010099994 Reference Number Reference Number 20101026 10000 100310 5 25 0000000000 STMT91 O J 12369 GWA1 ---------------------------------------------------------------------------------------------------------------------------------------- ~~GMCard M YJ GM World Card MasterCard Account Statemen ROBERT L YOUNG Account Number 5523 1808 0042 786: Pa e 4 of 4 From Se tember 24 2010 to October 26 201( Type of Balance PURCHASES 10001 CASH ADVAN::ES 20001 BALANCE TRANSFER 41111 v=Variable Rate Annual Percentage Rate (APR) 14.99°h (v) 24.90°~ (v) 14.99°6 (v) Balance Subject to Interest Rate $0.00 $0.00 $0.00 Interest Charge $0.00 $0.00 $0.00 Earnings Expiration Previous Earnings $2,889.15 Expired in OCTOBER 2010 -$23.88 Earnings Received $110.81 Expiring in NOVEMBER 2010 $18.32 Additional Earnings $0.00 Expiring in DECEMBER 2010 $113.02 Earnings Adjustments -$23.88 Expiring in JANUARY 2011 $22.49 Current Period Earnings $86.93 Total Bonus Shop Earnings are included in the "New Earnings Total" section of your Earnings Summary and New Earnings Total $2,976.08 redeemable towards an eligible, new GM vehicle. Log in to view your Bonus Shop Earnings at ... Anniversary Date 06!01 /93 www•gmcard.com/views. ~ Anniversary Y-T-D Earnings $500.00 _ Lifetime Earnings Redeemed $3,599.09 N N N O N O O O O O O 100310 5 25 0000000000 STMT91 D J 12369 GWA1 ------------------------------------------------------------------------------------------------------------------------- G M Card GM Wortd Card MasterCard Account Statemenl Account Number 5523 1808 0042 7863 ROBERT L YOUNG Page 1 of 4 From October 26, 2010 to November 25, 2010 Previous Balance $3,377.07 Payments - $3,377.07 Other Credits - $0.00 Purchases/Debits + $7,403.00 Balance Transfers + $0.00 Cash Advances + $0.00 Past Due Amount $0.00 Fees Charged + $0.00 Interest Charged + $0.00 New Balance $7,403.00 Revolving Credit Limit $10,000.00 Revolving Credit Available $2,597.00 Cash Limitt $2,500.00 Cash Available $2,500.00 Statement Closing Date November 25, 2010 Days in Billing Cycle 30 tCash Limit is a portion of Totat Credit Limit. New Balance Minimum Payment Due Payment Due Date $7,403.OG $75.OG December 20, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your APRs may be increased to the Penalty APR of 30.99°,6. Minimum Payment Warning:lf you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional You will pay off the And you will end up paying charges using this card balance shown on an estimated total of... and each month you this statement in pay... about... Only the minimum 25 Years $16,139 Payment $257 3 Years $9,237 (Savings = $6,902) ~_ If you would like information about credit counseling services call 1-866-569-2227. Questions? Payment Address: HSBC Card Services, PO Box 37281, Baltimore, MD 24Hour Automated Account Information 1-888-763-5655 21297-3281 -~ Espanol, 1-888-763-5655 Billing Inquiries: Customer Center, P.O. Box 80082, Salinas, CA 93912-0082 Lost or Stolen Card 1-877-213-0779 Manage Your account online at www.gmcard.com Trans Date Post Date Description of Transaction or Credit Reference Number Amount 11/14/10 11 /15/10 PAYMENT -THANK YOU 2111410A040760111103001 -$3,377.07 Total Payment For This Period -$3,377.07 a.... ... m ...............rttr.-R....... _._.rr-x-: , ."_ ;; ....;_. _ ...... -r n rF fi "~::u:uri ~iEEtiir_iimi6 t ......................... a.. _..rx.-x...a..._rr.......-n.r........,-:._.............t.........................-e....~.........................e........................._.r..........r_.................._...... ..... n ... ~n .. .. .t . -b...m ~ u.tn~wiFiTSTiF~t Bn n r m>m idi2'iu.r5i< f r'Iu f-".. .. .. .. .~t„ t,t . t.. rt~a...:asR;a-EU :...:..........t_r.~rrr „rt,. ~ r ! ......._ ... ............, ........,............,........_.............,.......,.:._.....r.~._........_.._................,._.._..»t.t....;t,_..~.n.. to . ..,t..........~..........ta.._,.t...._ ......................:.._.............................t................, .............................. ....... ...~ _ . ...... .~ ...... ....,.......t.t...,..._..........t. ............tt.._r.....~ ....................r....4.....,....r~ . t.r......... r.._.........._....~....~....~...~..,._....,.. i:..~r...~~:::::: ....~....t......,...........:..._....9............t.....s............_..... _t ................ _.t.............t...t.._...._.. ........ . _ ~. .. .......... ................. _............. ........i ...r.... t.... ... .......... t .. .........._............ _.,_ , t. _ ........_..r.........t..._. .........._. _..t._......._ ...................» _ . ...........r,.......t.._..,.4.......... .r.t..........._..........t...._......_.........._........... _. ,r...r....:.n,!t.tr.r........1....r..,..rr,...:,.,_...,::::~r,.t.a,..Erst.~..t.....t,•.'- ,.......... »>._....__.. .._c......_..._. e._.._L_.L..i......._._.._.a....._....__.».a3-..._...,...__......_.. ».. t.9....oa::r:::~.u.~..~.: .. ..., .,.,.3..c.tt ~ ... _.a.t t. .. .,t .t . . .. .. » ... ... .l.c.__........». ............._ ._......... s.,._._. _....... _. _.._._ ,... . » _.... _...... .. » .. ......,..._._....__........_._......_ . ...::-::-._ ~....::t::s::: . ._.....» ........... .. _ _ r...::.._ ..... ..»t ...... ~ ....... ..........................:...r ............. ...... ..,c..,3t.. .,t..t ..r r,:~.~ ... ._._.....,._._. ,.t,u.t.,..... ,:.».,>'....,.;..., ,.i.,,tqi.. ::L,~uat»,..> . rtnt»:t , ,. ,»r. : ~ ~ t,. ~r. .t,~,.» ,nr,a, ~r»,~ tv > r ,, , .r .~~ , , r ~, r, 1.~ : v mllr r3va ~. ~ , , Lu , , t , t , ,r . ... tr rt., t~ , , : t:It t t . ~ .. ~lir# '~ia~' eSi~ E .. . .. ._. . .. . . _ . .. . . : . . ... ............._........ _....3... ...~t...~........_t....t......~......t........t.... .. .r.:...~,r : ,r,..<.a.rr,.a..,a <....., .5...........fu.C'...._1..........S...A..31.....t. ..... .. ........ ... ................ r. .... . _. . . .. . . . . .. .. ... .... .... .... ..............................._.... t ..............._.._... ....t...t....... .....:... ..... .. .... . . .r.<....,..rt.,rn..,<:,rr~..~rtr.~...r... 1t..»......»...«.....r .............. .._...... .... ._...... ................ .. ... ... . . .. ._ . . . . . . . . . . . ... .. ..... .... . . i ............................................................... _.................................................................._ . ....... ... . ............tt._......t..t....._......,.............................................~................~....._..........._....»....................._...._._.. ........ .» .. .. ... ..._.._... ... ...... ........ !Ta... .. ... ..... .._ :.n u . . ... e r «< r n.. n r n nr <n.U:,.m<emu<.u.tc<..rr<.r m..r....u.trt.:.rt..u.._n,t,.r..r,r.r .cr.tc.n... ....a.........._.t..u.mt.....r.c..t__ae...n:_u_u._t.~..._ucr a.n..v ., i.xvea:. .. u.r.rur ::.r»t r, «t. .: t ,,. r .. S ....... .. ....__.........._...._.._.......................».....: ».......r...._........... _.....m.._.. _.._......~............_....f.........L..__.........................._..»..._...t........................_........._....... t _..... .» s ... ..... ... .. ... ........ ........ ........»....._...............».....w..i'................a.......s...a.u.......... ........... _......r.... ........ ...............e ....r..r. ................... ............. ..i .. r. _....... .... ....... ... ............ ......... .. ....... .. .... t... s .......t..,.........................., ....,a........ ................ _....................... ...... .rsr. ................~_..v..e..........r.._.. ~.....f. f ...._ t...t.......... ....... .fir.. s e .r...._r..r...._n ~ . i ff_ v ............ ....................»._..v........_E._.5.»..S...Sl.......3L ..v..a... _.3.._.t _.. ti {.. f . ... a. _............ ....3...... S ~i»u...t.... Y.t.rt.t.a...t...... ..............................................». ......... ... 1 .. ... ~?..................... ....... .... _ _..._.~..........._ .... ~ t.:::.....:...... r_t........................ , t. ......._r. .L_»_.........{r.ru..v_......u..v.......... ...............................~..t..........t...». _..x......n............................ ............ r. Trans Date Post Date Description of Transaction or Credit Purchase Type Reference Number Amount N 10/26/10 10/28/10 THE POTOMAC BEAD COMPA MT103010074000010137811 $69.76 o MECHANICSBURG PA N 10/27/10 10/28/10 Best Buy 00014787 MECHANICSBURG MT103010077000010041097 $369.65 0 0 0 PA 0 ~ 10/27/10 10/28/ 10 WINE & S P I R I TS #2105 MT 103010077000010096947 $30.72 MECHANICSBURG PA 10/27/10 10/28!10 RED ROBIN #338 CARLISLE PA MT103010077000010103809 $68.66 10!28/10 10/29/10 STAPLES 00116442 CAMP HILL PA MT103020076000010043988 $22.25 10/28/10 10/29/10 FIRE MOUNTAIN GEMS I NC 08004232319 MT103020076000010099698 $72.77 OR Detach and return bottom portion with your payment. 100310 5 25 0000000000 STMT01 D J 3056 GWA1 See reverse side for important information --------------------------------------------------------------------------------------------------------------------------------------- HSBC ~~~ Account Number: 5523-1808-0042-7863 -J New Balance $7,403.00 ®IGMCard Q GM World Card MasterCard Account Statemen ROBERT L YOUNG Account Number 5523 1808 0042 786: Pa e 2 of 4 From October 26 2010 to November 25 201( N h N O N a I 0 0 c~ 10/28/10 10/29/10 FIRE MOUNTAIN GEMS I NC 08004232319 MT103020076000010099699 OR 10/28!10 10/30/10 CVS PHARMACY #1626 Q03 MT103030072000010073098 MECHANICSBURG PA 10/28/10 10/30/10 THE POTOMAC BEAD COMPA MT103030075000010143657 MECHANICSBURG PA 10/28/10 10/30/10 THE POTOMAC BEAD COMPA MT103030075000010143658 MECHANICSBURG PA 10/29/10 10/30/10 VISTAPR'VISTAPRINT.COM 866-893-6743 MT103030075000010103594 MA 10/29/10 11/01/10 CVS PHARMACY #1626 Q03 MT103050071000010294943 MECHANICSBURG PA 10/30/10 11/01/10 GIANT FOOD #331 QPS MT103050071000010242058 MECHANICSBURG PA 10/30/10 11/01/10 WINE & SPIRITS #2105 MT103050071000010354398 MECHANICSBURG PA 10/30/10 11/01/10 THE POTOMAC BEAD COMPA MT103050074000010130557 MECHANICSBURG PA 10/31/10 11/01/10 WINE & SPIRITS 2102 LEMOYNE PA MT103050074000010110712 10/30/10 11/02/10 SUMMERDALE DINER ENOLA PA MT103060072000010046169 11/01/10 11/02/10 GIANT FUEL #331 MECHANICSBURG MT103060072000010027838 PA 11/01/10 11/02/10 WEGMANS #45 MECHANICSBURG MT103060076000010067682 PA 11/01/10 11/03/10 SMOKER'S EXPRESS #1401 MT103070074000010082895 MECHANICSBURG PA 11 /03/10 11 !04/10 F I R E MO U NTAI N GEMS I N C 08004232319 MT103080076000010092938 OR 11/04/10 11/06/10 THE POTOMAC BEAD COMPA MT103100074000010128056 MECHANICSBURG PA 11/06/10 11/08/10 GIANT FOOD #331 MECHANICSBURG MT103120071000010250016 PA 11/06/10 11/08/10 CVS PHARMACY #1626Q03 MT103120071000010308004 MECHANICSBURG PA 11 /06/10 11 /08/10 WINE & SPI R ITS #2105 MT103120071000010366147 MECHANICSBURG PA 11/06/10 11/08/10 TRACTOR-SUPPLY-CO #026 CARLISLE MT103120077000010062172 PA 11/08/10 11/09/10 0401 YANKEE CANDLE CARLISLE PA MT103130075000010126343 11/08/10 11/09/10 WINE & SPIRITS #2105 MT103130077000010095834 MECHANICSBURG PA 11/09/10 11/10/10 GIANT FOOD #331 QPS MT103140072000010056878 MECHANICSBURG PA 11/09/10 11/10/10 GIANT FUEL #331 MECHANICSBURG MT103140072000010057204 PA 11/11/10 11/12/10 THE CONTENTI CO PAWTUCKET RI MT103160073000010032664 11/12/10 11/13/10 GIANT FOOD #331 MECHANICSBURG MT103170074000010092811 PA 11/12/10 11/13/10 WINE & SPIRITS #2105 MT103170076000010094834 MECHANICSBURG PA 100310 5 25 0000000000 STMT01 D J 3056 GWA1 ® GM Card ~~,,~, ~i~ii+ GM World Card MasterCard Account Statement ROBERT L YOUNG Account Number 5523 1808 0042 7863 Pa e 3 of 4 From October 26 2010 to November 25 201G 11/13/10 11/15/10 THE POTOMAC BEAD COMPA MT103190074000010138478 $96.32 MECHANICSBURG PA 11/14/10 11/15/10 HI LIFE DINER MECHANICSBURG PA MT103190074000010136864 $37.2C 11/15/10 11/17/10 ZEN JAPANESE CUISINE MT103210075000010149740 $72.42 MECHANICSBURG PA 11/16/10 11/18/10 A. BRIGGS PASSPORT & V WASHINGTON MT103220072000010041802 $269.00 DC 11/17/10 11/18/10 ~ AC MOORE STR #82 MT103220074000010140976 $25.08 I MECHANICSBURG PA 11/17/10 11/18/10 WINE & SPIRITS 2106 MECHANICSBURG MT103220076000010103434 $82.63 PA 11/17/10 11/19/10 THE HOME DEPOT 4120 MT103230072000010094923 $244.88 MECHANICSBURG PA 11/18/10 11!19/10 AC MOORE STR #82 MECHANICSBURG PA 11/18/10 11/20/10 THE OLIVE GARD00014712 MECHANICSBURG PA 11/18/10 11/20/10 ELEMENTS THERAPEUTIC MECHANICSBURG PA 11/19/10 11/22/10 THE POTOMAC BEAD COMPA MECHANICSBURG PA 11/21/10 11/23/10 THE HOME DEPOT 4120 MECHANICSBURG PA 11/22/10 11/23/10 TARGET 00022020 MECHANICSBURG PA 11/22/10 11/23/10 WINE & SPIRITS #2105 MECHANICSBURG PA 11/22/10 11/24/10 THE HOME DEPOT 4120 MECHANICSBURG PA 11/23/10 11/24/10 TARGET 00022020 MECHANICSBURG PA 11/23/10 11/24/10 GIANT FUEL #331 MECHANICSBURG PA Total Purchases For This Period Trans Date Post Date Description of Fees N V O W N O N O O O O O MT103230075000010136703 MT103240071000010044488 MT103240071000010102771 MT103260074000010149945 MT103270072000010092543 MT103270075000010057864 MT103270077000010106812 MT103280073000010106041 MT103280072000010020552 MT103280073000010066266 Reference Number 100310 5 25 0000000000 STMT01 D J 3056 GWA1 ~~GMCard N R O N O N O O O O O O Your Annual Percentage Rate (APR) is the annual interest rate on your account. -ype of Balance 'URCHASES 10001 :ASH ADVANCES 20001 IALANCE TRANSFER 1111 ~=Variable Rate Annual Percentage Rate (APR) 14.99°~ (v) 24.90°~6 (v) 14.99% (v) M ~J Balance Subject to Interest Rate $0.00 $0.00 $0.00 100310 5 25 0000000000 STMT01 D J 3056 GWA1 --------------------------------------------------------------------------------------------------------------------------------------- GM World Card MasterCard Account Statemer ROBERT L YOUNG Account Number 5523 1808 0042 786: _ Pa e 4 of 4 From October 26 2010 to November 25 201 ~ ®~GMCard Q GM World Card MasterCard Account Statement Account Number 5523 1808 0042 7863 ROBERT L YOUNG Page 1 of 3 From November 25, 2010 to December 26, 2010 Previous Balance Payments Other Credits Purchases/Debits Balance Transfers Cash Advances Past Due Amount Fees Charged Interest Charged _ New Balance Revolving Credit Limit Revolving Credit Available Cash Limitt Cash Available Statement Closing Date Days in Billing Cycle tCash Limit is a portion of Total Credit Limit. $7,403.00 $7,403.00 $1,429.94 $4,159.65 $0.00 $0.00 $0.00 $0.00 $0.00 $2,729.71 $10,000.00 $7,270.29 $2,500.00 $2,500.00 December 26, 2010 31 New Balance $2,729.71 Minimum Payment Due $28.00 Payment Due Date January 20, 2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your APRs may be increased to the Penalty APR of 30.99°~. Minimum Payment Warning:lf you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional You will pay off the And you will end up paying charges using this card balance shown on an estimated total of... and each month you this statement in pay... about... Only the minimum 17 Years $5,214 Payment $92 3 Years $3,311 (Savings = $1, 903 ) ~_ If you would like information about credit counseling services call 1-866-569-2227. Questions? Payment Address; HSBC Card Services, PO Box 37281, Baltimore, MD 24Hour Automated Account Information 1-888-763-5655 21297-3281 ~• Espanol 1-888-763-5655 Billing Inquiries: Customer Center, P.O. Box 80082, Salinas, CA 93912-0082 Lost or Stolen Card 1-877-213-0779 Manage Your account online at www.gmcard.com Trans Date Post Date Description of Transaction or Credit 11/30/10 12/01/10 TARGET 00022020 MECHANICSBURG PA 12/05/10 12/06/10 PAYMENT -THANK YOU Total Payment For This Period N o Trans Date Post Date Description of Transaction or Credit M 11/24/10 11/26/10 WAL-MART #1886 MECHANICSBUR 0 0 0 PA 0 ~ 11/24/10 11/26/10 THE POTOMAC BEAD COMPA MECHANICSBURG PA 11/24/10 11/26/10 THE POTOMAC BEAD COMPA MECHANICSBURG PA 11/26/10 11/27/10 GIANT FUEL #331 MECHANICSBURG PA 11/27/10 11/29/10 WINE & SPIRITS #2105 MECHANICSBURG PA Reference Number Amount MT103350072000010021148 -$1,429.94 2120510A040880081168901 -$7,403.00 -$8,832.94 _.._.,-,..,.,......_.._ ........:::::.:-n_-.::::::::Paz=ts:•'e::::~n.:....._.~:,.:.......--..:,•::..a,.:......_..a..r:r,.,...._.r....:: a.. +a!.i.t...r.............r~..:bra>;r.};::::;i~:•:::•~:i:.;i:~~;. n......_ ............. _..........................................................., ...................................,:nn::n,.,.,,,,.,,,,.,a..,,.,..,,:,,,,,....,,.,,,.r,.tt, :.,n.,,:~l;;s,~,i::n::n:t, ,,n:::,::n:,::::,:::,:,::::::::::::.:::::rn:,,,::......... .._....._..........._.._.._...._1 .............._......... ,an,,:_.-:M,...Y nn:.: na, ...a,.,n::n:, .,....i.n.,::,i,:,r::r.;....;..............,.. ~iwlill~l ......................~ a_.._................ .........................................._ ............__..... .._................n: •:~:r::•:r.Ls~aru•?:r~:: r.ru:::.iiii 'rf.:iii:i~:~::::::::::F.~~~ ~Eiiif ~~ii: ................r.:::::a::::::_.; ........•:3::ena:::u:::n::::~'_......_ ..~ r.:n:m:a:i:vf:u,mLuSiu;iuh m n nn in9a :Ln:: f,:nu:: r_. a..v.:?.. n...... ...... 1. A,t...._......:... ...... ........:....._.. ......_..ur::_r..u...:::::::eic^ia::::::-:s::: ^: .._........ E.i..t:::,t^:ci'ra:,!c:an::.::::._::_: .: ._,~.:m:::::::::::::iitiSee~•":ii2iiiF::i.'•iuSx. _ .............. ~i,~n~,...e..,. ..i :. A. m i. l...mm ~.r.,.Fn.,,,....•,,...,. ,.F:..,T.iFrF ~ ..•„ w,~, ,......_.5~ y~ •_ Purchase Type Reference Number Amount MT103290076000010073574 $160.98 MT103300073000010097116 $86.01 MT103300073000010097117 $88.52 MT103310075000010076528 $36.51 MT103330071000010446190 $72.04 Detach and return bottom portion with your payment. 100310 5 25 0000000000 STMT91 ~ J 12400 GWA1 See reverse side for important information HSBC ~~~ Account Number: 5523-1808-0042-7863 -J 1, New Balance $2,729.71 G M Card GM World Card MasterCard Account Statement ROBERT L YOUNG Account Number 5523 1808 0042 786 Page 2 of 3 From November 25 2010 to December 26, 201 C 11/28/10 11/29/10 LOWES #02223* MECHANICSBURG MT103330074000010089795 $45.1>: PA 11/28/10 11/29/10 WINE & SPIRITS 2106 MECHANICSBURG MT103330074000010124637 $25.4: PA 11/28/10 11/29/10 DICK'S SPORTINGGOODS HAMPDEN TOWNS PA 11/30/10 12/01/10 TARGET 00020990 CARLISLE PA 11/30/10 12/01/10 WINE & SPIRITS 2106 MECHANICSBURG PA 11/30/10 12/02/10 VERIZON WRLS D459701 MECHANICSBURG PA 12/02/10 12/03/10 TARGET 00022020 MECHANICSBURG PA 12/02/10 12/03/10 KOHL'S #0337 QPS MECHANICSBURG PA 12/02/10 12/03/10 WINE & SPIRITS 2106 MECHANICSBURG PA 12/03/10 12/04/10 SHERWIN WILLIAMS #5167 MECHANICSBURG PA 12/03/10 12/04/10 BEDFORD STREET ANTIQUE CARLISLE PA 12/03/10 12/04/10 MICHAELS #6710 CARLISLE PA 12/03/10 12/06/10 THE POTOMAC BEAD COMPA MECHANICSBURG PA 12/04/10 12/06/10 GIANT FOOD #331 MECHANICSBURG PA 12/04/10 12/06/10 GIANT FUEL #331 MECHANICSBURG PA 12/04/10 12/06/10 A 1 PARTY RENT ALL INC MERCHANICSBUR PA 12/04/10 12/06/10 SHERWIN WILLIAMS #5167 MECHANICSBURG PA 12/04/10 12/06/10 JOHN GROSS & CO INC MECHANICSBURG PA 12!04/10 12/06/10 THE POTOMAC BEAD COMPA MECHANICSBURG PA 12/17/10 12/18/10 FIRE MOUNTAIN GEMS INC 08004232319 OR Total Purchases For This Period N V O MT103330077000010096330 MT103350072000010021074 MT103350075000010102956 MT103360071000010056679 MT103370073000010019293 MT103370078000010072935 MT103370078000010110202 MT103380074000010137548 MT103380074000010145394 MT103380076000010084615 MT103400074000010150698 MT103400071000010286092 MT103400071000010288308 MT103400071000010414774 MT103400071000010468496 MT103400072000010087491 MT103400074000010150697 MT103520076000010148961 Reference Number 100310 5 25 0000000000 STMT91 D J 12400 GWA1 ----------------------------------------------------------------------------------------------------------------------------------- ~~GMCard Mas~. GM World Card MasterCard Account Statement ROBERT L YOUNG Account Number 5523 1808 0042 7863 Pa e 3 of 3 From November 25 2010 to December 26 2010 ., .........._.._ .................__._,......... .. ..... .. r.............,.. .~..........._..........._.... _i::;, ..;.... _...... .,~:::...::::t;=netiit~i"ii ` ~~si:i€=€~iiiiii~5 '<<-_?~;--~ GIs`~:a~~~_Qate;~,=:.,:a,~i:<<:,;i.;i:};ia:.,<_~: ..i.......... __........_,. r ........................................................ ......................... ........:.,...:.:: :::: Total fees charged in 2010 $0.00 Total interest charged in 2010 $5.49 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Rate {APR) Balance Subject to Interest Rate Interest Charge PURCHASES 10001 12.99°~ (v) $0.00 $0.00 CASH ADVANCES 20001 24.90°~ (v) $0.00 $0.00 - BALANCE TRANSFER 14.99°~ (v) $0.00 $0.00 41111 • v=Variable Rate _ ,.... ............1..........._ ........................:....................... ::r,:i:,=:n::~:~:::::::::~,,i:,::~~:l:i::i::::~.~_,:.-:.::::i :.....................:.... lam ........... .._.... ............r.r,:::::::::::::::r::::::::::::,,::::::::::,::,:::r::»;<:: i::<:,,»::-::::;:~::::ui=.r;,: ~,:~,:::::;-::::;::~;::::::_::-::::::~-:,::::_::;::::::::i:::~:~::::~:::~~::~:::=::::~,:::~:::::~::::~:;~::~+: ~-~_ .,,,..,..., ..:....:....................__... ... ..............._ ...:...a.._....... ..........._...................................... .... ......,... ... ..... ................. .....~.............._._............_..__.........._.....,........._................_._.._..............._..._...:....._......_.._..._..............._..._1...............__...._.........__.........._~_.._ .....l........_....,... _. . : ........__......................._.:~::::nr.:r.:::::::::r.............................._........._.._,..............._......... .......... .. ~f :.... . _ ._._ ........................................_..................._................................................._........n ............... v: ...... .. ........ ....~... ....... .. r..~ ~ .... ~.......{..I~e ii nor ... -~.r ... f ~ ~.rr~ ...~ r~r.t.. n.~i ~ m ~.r.~.~n. m.rf~n ..Znt.i.n S..rf.nl. iri~.r ..+r....r,~ r...r.~ F.~~ ..... ~ .. .. ..5 ... ...:...~ FF. .... i........ii. '-_" Earnings Expiration- ~ Previous Earnings $2,976.08 Expired in DECEMBER 2010 $0.00 _ Earnings Received $0.00 Expiring in JANUARY 2011 $0.00 ~ Additional Earnings $0.00 Expiring in FEBRUARY 2011 $163.83 _ _ Earnings Adjustments $0.00 Expiring in MARCH 2011 $140.74 Current Period Earnings $0.00 Total Bonus Shop Earnings are included in the "New Earnings Total" section of your Earnings Summary and New Earnings Total $2,976.0 redeemable towards an eligible, new GM vehicle. Log in to view your Bonus Shop Earnings at Anniversary Date 06/01 /93 www•gmcard.com/views. Anniversary Y-T-D Earnings $500.00 Lifetime Earnings Redeemed $3,599.09 ::::::::::.::::: _: ~:::::::::r.:::::::::.:::::...............................::::::::::::::::::: .................._............................... ~ y~ ....... ........ ........._. ....._.x_............................... . .... y~ .. y .. .. ... ... r.. ... F. .._ .. .................... ..... _v....n...r.:..n...ur.._..earu.}r.mn......_...... ..... .. :... ... .. ... ...................v......:...u...._............. ~Mi7l~Mlli.l~.~~ .._ :... ........ .... r. _.........:.._ . .. ........... .... .. r....... .. .... ..... :. .... ............ uz ui ............................................................._....................... . ... EFii'ciiiiii<i2iii~iie ~'"'Y iiliii._..r ...........::.::::::c::;::::.::i ~.:::.:ic::~:,a: rtu^^:rs•ra:xam::::a::_ ::::...'• • "rir.:::;x: ~ x•'a:rai::rz:i::u"nu ~eikili~=i~fiFi~ii'rfi~i~ci:iii'ir ~ ii r~~'i ...:.r...:.e ............._:..................... ............. r r n mrtr. :: n u.e..rzn.r.inr.r ..an:.a.ne w.e: ............. ..........:....... ................ Y.. t .. ........ ... ......................r...___..................._........ ... .. t..S.f.............l......f.............I..............f..... ...:..........._......t. ......:........_..__...........__.._..... _. ..:..: _._.. ..;..... .._.. a......... ......_........................................ .... ...i ...... .................. ~. .~. _....._ ..................:.:......:........l............_.a.::....... ......:.... ... .. .:...........::.. . .. .........................................................r........r................. l .. .:. ... ...... v •. ...:::... ............_..................._. .t ..r ... ............._........................................._.._..........:......:. ...}.. ... ..... r......:.. .. m..a..r......ss....n.t..n..v:.... 3 ..v..:... ... .. .... ... ............_....._..........._.._..f... ........_........ . _. <, ... .. _.._ _....._..........__.._ ...................~.._..................a::x:s::::::!r.:, ... ....{...:.....:.... ..._v..r.:r :::::: ........ ....... y .,............................_............ ___:._.._........._.._.._._. .. . : l l. : • a u a s t! ~ . n .m r:.: r ... ....1 ..................................... ....c. ....._.._. ................... ..r. ... ....... :.... i.._.....:...._..............._.......... u . ......:........:..........:............. ..:. ..a..Is....d.._.._......n:.., w u......:...._ ...........:.........._................................... !.._ ......:.........._~.....................:._.:................................. . . ......~.. _ ... . . .. .._ ... ............ ..........._ ............. ......... .. .. .. : _..... .......... r:- ~ ... •n :.... :.. ..:...~....._............__._..._ .....:.............:...._r ..... :. ... r . . :.... ~ :....................._. y : r... ......._.e ......... .... _f .. !_....... ........ .. .L......r...:..F ...............er.... ..r..vvn ............e...:..... r.. ,. ... ... .... _:.... ..... ... ...... _ ........~....._.._................_..z......................_.._.................._.._......... ..... ... ..... .....8. .._.i ......... ...._..:....... . .... ......._.. ......... ..._._... a...._._.....1.. .......__............._:... ._. ..:.......................... _..i. ... ... i... .. ..:. vi .:::.....:.....u:::: ',;ri.i,'r.~i:ii'r'Fiii:i :a •::: ..w.........r..:........n.v....n . x.., . ..... ..............n........._.... :.:..... ..a..na^m:r.:~:'~:~ :. ., ..rE.G..; ,................:.............:................... ..........._..........:~ ^d:z:s r-::... ... ...a:..l._[.c.._v... ..., l1.r._.._.:..:.:..:....rz..:.:4..u.r............ _.a: .:........._. ..........._.._......... .........._...:...... ... ......: .. ar. r!_. :.a.f.ma~::a...:. ~.;L. ......._. ......._..~..s ...............c.._.............. ..._!_....:,......._::_......_::..,{.:{:.~..,.........l..i.........._.:~.i.:.::....,....R:....._..........(...._:.a...................s....,.....6~:_:....?:l.::....~Yt.g...........aa....::.,_..,...i:!:::::i~rtr„l:,:§,: =_ INTRODUCING THE 2011 ACADIA DENALI. ' The Acadia Denali lives up to its name with premium materials, superior acoustics, and purposeful technology. It transforms your comfortable cabin into your own _ personal retreat. Outside features the trademark honeycomb grille, dual chrome exhaust tips and 20-inch two-tone chrome-clad wheels. Online Account Access lets you take control of your Account anytime, anywhere. Registration is easy, secure and waiting for you at gmcard.com/login. N M O N N O O O O O L7 1003105 25 0000000000 STMT91 D J 12400GWA1 I G M Card Q GM World Card MasterCard Account Statemen Account Number 5523 1808 0042 786: ROBERT L YOUNG Page 1 of 2 From December 26, 2010 to January 26, 201 Previous Balance $2,729.71 Payments - $2,729.71 Other Credits - $0.00 Purchases/Debits + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Past Due Amount $0.00 Fees Charged + $0.00 Interest Charged + $0.00 New Balance $0.00 Revolving Credit Limit $10,000.00 Revolving Credit Available $10,000.00 Cash Limitt $2,500.00 Cash Available $2,500.00 Statement Closing Date January 26, 2011 Days in Billing Cycle 31 tCash Limit is a portion of Total Credit Limit. New Balance Minimum Payment Due Payment Due Date $0.0~ $0.0 February 20, 201 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your APR may be increased to the Penalty APR of 30.99%. Questions? Payment Address: HSBC Card Services, PO Box 37281, Baltimore, MD 24-Hour Automated Account Information 1-888-763-5655 21297-3281 ~~ Espanol 1-888-763-5655 Billing Inquiries: Customer Center, P.O. Box 80082, Salinas, CA 93912-008 ~' Lost or Stolen Card 1-877-213-0779 Manage Your account online at www.gmcard.com Outside USA Collect 1-757-523-3880 ~-~ TDD/Hearing Impaired 1-800-685-9020 ......................................... . ........:........... ... .................................: .:...:...........u: ..:......................i:un. r. u:::r.::::::: {.....,;...................:iFi"i~iEi_v:........;.............,:::pr.:::::ra::::;;:: rr.S;r. ............ .4 .............: ..........................,..a:.:rr..iu:•~::::vu::~:o^: m::a::.::::n::::::.. ..r.:::::::::~:::::v::::u...~....~.. ................:..... ... .. ~ .....................:.... I. S. I. ....,_::a::..r ....... ...... ............. ............. ..............n....... ........................y.m:.. u,n:un~v:arc:::::::::::::::: ............................... ... ...........u.......................... :. ............ ~.................... ..... i:.c........................ r..: ~: ~......... : ~•niiiii .........._.... ............ .. ..... ......... ... .. .... .........:.. ..... ...... _:._...: _...............:c....................v._u...•:;............ ............ ...11P_f:iii:Ei:i~:tiii .. .:..nnJ:ni ui ..........s..i.. ..n....:..(.:...n.......... :.........u. .... ... .............. .. yr.:::m:::a;:^::::::r.::::::.... ~~ .. .........c..........t.......... .:.:..............__.._..................._................ :..:..:.:...._......... r... .....:,... .. ................t .. ............. .................._...... ..... .............:....,.....::~~,,..::~::::.:......::.. .It~~ ................... ~ ..........:.......:............... _.............._. .......,......................_..............r...... :::.:......~ ::::..:.................... ~.~ .......................... .......................v.:.....:,..:...,........... ........,:::.::.:::::::::::::::::::::..........;..........::....... ,....; ................ Attention: We've recently lowered one or more of the APRs associated with your account -please check your statement for details. N O 0 0 0 0 0 0 0 c~ As a reminder, you may pay your credit card bill online or through our automated phone system for no fee. Description of Interest Charge INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON BALANCE TRANSFERS Total Interest For This Period ., __ .______..,_____.__,. cs.. ~no~~ i~ +4,0 ~r.nii~l intcroct rata nn VAllr account. Detach and return u~ttom portion with your payment. 100310 5 25 0000000000 HSBC 1:~ Reference Number 2010811A040940041059201 Reference Number STMT91 D J 12616 GWA1 -------------------------- Account Number: New Balance Amoi -$2,729 -$2,729 Amoi Amoy $C $C See reverse side for important informa~ 5523-1808-0042-~ w ®I G M Card ~~.~~~. GM World Card MasterCard Account Statement Account Number 5523 1808 0042 786° ROBERT L YOUNG Page 2 of 2 From December 26, 2010 to January 26, 2011 Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge PURCHASES 10001 12.99% (v) $0.00 $0.00 CASH ADVANCES 20001 24.90% (v) $0.00 $0.00 BALANCE TRANSFER 14.99°~ (v) $0.00 $0.00 41111 v=Variable Rate Earnings xpira ion Previous Earnings $2,976.08 Expired in JANUARY 2011 $0.00 Earnings Received $0.00 Expiring in FEBRUARY 2011 $163.83 Additional Earnings $0.00 Expiring in MARCH 2011 $140.74 Earnings Adjustments $0.00 Expiring in APRIL 2011 $25.26 Current Period Earnings $0.00 Total Bonus Shop Earnings are included in the "New Earnings Total" section of your Earnings Summary and ~. New Earnings Total $2,976.08 ~ redeemable towards an eligible, new GM vehicle. Log in to view your Bonus Shop Earnings at / i - v ews. www.gmcard.com Anniversary Date 06/01 /93 _ Anniversary Y-T-D Earnings $500.00 ~~ Lifetime Earnings Redeemed $3,599.09 0 0 0 0 0 0 100310 5 25 0000000000 STMT91 D J 12616 GWA1 - ------------------------------------------------------------------------------------------- ® GM Card M erCard GM World Card MasterCard Account Statement Account Number 5523 1808 0042 786: ROBERT L YOUNG Page 1 of 2 From June 26, 2011 to July 26, 2011 Previous Balance $0.00 Payments - $0.00 Other Credits - $0.00 Purchases/Debits + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Past Due Amount $0.00 Fees Charged + $0.00 Interest Charged + $0.00 _ New Balance $0.00 Revolving Credit Limit $0.00 Revolving Credit Available $0.00 Cash Limitt $0.00 Cash Available $0.00 Statement Closing Date July 26, 2011 Days in Billing Cycle 30 tCash Limit is a portion of Total Credit Limit. New Balance Minimum Payment Due Payment Due Date $0.0( $0.0( August 20, 2011 Late Payment Warning : If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your APR: may be increased to the Penalty APR of 30.99°~. Questions? Payment Address: HSBC Card Services, PO Box 37281, Baltimore, MD 24Hour Automated Account Information 1-888-763-5655 21297-3281 Espanol 1-888-763-5655 Billing Inquiries: Customer Center, P.O. Box 80082, Salinas, CA 93912-0082 Lost or Stolen Card 1-877-213-0779 Manage Your account online at www.gmcard.com Total Interest For This Period ...: I:~ :_ .....:.......:............_..........,........... :.................................,::::.:::::::::.::.: ..................................... .... it:1:::,'rrtai>i~.~F±~ar<t~iii~a«~ ;;~;;~~;;;;~;;;;~- ::: .......................... .....:...... a.......... Total fees charged in 2011 $0.00 Total interest charged in 2011 $0.00 N 1 ~ .............................................................................r::::::r::c•:a::..........,............................,..........~:::~.::::~.::::~.:.: .::~::: :. :: (7 :n::unua:rzr.:~ .:::::...:::::::::::::::.:l:vnr.::.;;.................., .........: ~:-:::::::.: :.. ~ :.rr:r.^::F::;:::r::::::::::u:::::::c::a::e::.:.. ...... ..................n...,.. .... ............... ...... .. ....R:.:.... .......v......... .......::^ ::::.,............................................ ....... .... •_ ~ ..., a::~ :............. _...........: ~:::::u!:::~ :::::r.:z::r.:::r::::::::::c:::::i!i:u:::e:::c::::^::c::~ ^::-:SI:u4!Ci;:; i^m ununm;~;nS:rnr~:L5E4t:_v.r!i:i::: O :: .................. ... .......:............:. .:..... ......_.. ,:i i-~ :: ~ .:.::a:r .:.....:::.::.::::. i:~ :;.:i~i'~ ~~r~ F: ~~i~:Fi'r:i:iii:ii~ iiii:iiiiii:T:iiiiiii:iEii ~:ii.*::'tiiiiti?ii ~tiii;,rlltidtiEitiiE~ i ~E:i i:iiES:iii7_:i<~ i~ f' ~ ii ~ ~ .. ~ ..: .... 'ii:c'::c:o:Ioo~:::e::o::~:eau!:e:.:.(..:.:::•,.::s....u..•...._._......._,._...~......_._.....~....._.._..::...._....__ ..................._._~. ......''. ~nt~reslE„~ha~r e: C~Icu)atiort O S ..+...uc i,ia,p I v.aa.. 3 ....,.... .,._ ..,..,. ,,. ,,,,,..,. .....,.,. .:~ _....,,. ~ =1- ..... :6 .. (i ... ie O o Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance CASH ADVANCES 80001 PURCHASES 00001 Annual Percentage Rate (APR) 24.90°~6 (v) 12.99°,6 (v) Reference Number Balance Subject to Interest Rate $0.00 $0.00 Amoun i!il I!ii!iF.iidiP:i9'.i?? -iii Amoun $0.0 $0.0 $0.0 $0.0 Interest Charge $0.00 $0.00 Detach and return bottom portion with your payment. 100310 5 K 25 0000000201 STMTGX 2 N 27998 EXCPT See reverse side for important information HSBC ~~~ Account Number: 5523-1808-0042-781 New Balance $0.1 ~~GMCard r~~ GM World Card MasterCard Account Statement Account Number 5523 1808 0042 7863 ROBERT L YOUNG Page 2 of 2 From June 26, 2011 to July 26, 2011 BALANCE TRANSFER 14.99°h (v) $0.00 $0.00 71111 v=Variable Rate Previous Earnings $0.00 Earnings Received $0.00 Additional Earnings $0.00 Earnings Adjustments $0.00 Current Period Earnings $0.00 New Earnings Total $0.00 Anniversary Date 06/01/93 Anniversary Y-T-D Earnings $0.00 Lifetime Earnings Redeemed $0.00 Remember when you make a purchase with your GM Card, you'll earn 5°~ in Earnings, with an annual Earnings maximum of $500 that can be accumulated for 7 years. Your Earnings can be combined with most GM national offers for an even better deal. Total Bonus Shop Earnings are included in the "New Earnings Totat" section of your Earnings Summary and redeemable towards an eligible, new GM vehicle. Log in to view your Bonus Shop Earnings at www.gmcard.com/views. Cadillac is now racing in the SCCA World Challenge GT Series. Go to cadillac.com/v-series to follow all the action. Online Account Access lets you take contro- of your Account anytime, anywhere. Registration is easy, secure and waiting for you at gmcard.com/login. Get DIRECTV! No Equipment to Buy! No Start-Up Costs! Packages start at just $29.99/mo. Switch in minutes! Call 1-800-356-2135! Ends 12/31/11. New customers only, with 2 year agreement. $19.95 handling & delivery fee may apply. N V O (O ch O O O O O O O 100310 5 K 25 0000000201 STMTGX 2 N 27998 EXCPT --------------------------------------------------------------------------------------------------------------------------------------- G M Card Q GM World Card MasterCard Account Statemen Account Number 5523 1808 0042 786: ROBERT L YOUNG Page 1 of 2 From July 26, 2011 to August 26, 201' Previous Balance $0.00 Payments - $0.00 Other Credits - $0.00 Purchases/Debits + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Past Due Amount $0.00 Fees Charged + $0.00 Interest Charged $0.00 + New Balance _ $0.00 Revolving Credit Limit $0.00. Revolving Credit Available $0.00 Cash Limitt $0.00 Cash Available $0.00 Statement Closing Date August 26, 2011 Days in Billing Cycle 31 tCash Limit is a portion of Total Credit Limit. !- Questions? 24-Hour Automated Account Information 1-888-763-5655 Espanol 1-888-763-5655 Lost or Stolen Card 1-877-213-0779 ~~ Outside USA Collect 1-757-523-3880 .~~ TDD/Hearing Impaired 1-800-685-9020 ~NtKk~#~~:~3'~1N1~~1~?[N New Balance Minimum Payment Due Payment Due Date $O.Oi $O.Oi September 20, 201 Late Payment Warning : If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your APR may be increased to the Penalty APR of 30.99%. Payment Address: HSBC Card Services, PO Box 37281, Baltimore, MD 21297-3281 Billing Inquiries: Customer Center, P.O. Box 80082, Salinas, CA 93912-008: Manage Your account online at www.gmcard.com As a reminder, you may pay your credit card bill online or through our automated phone system for no fee. ~. .~ .................................._........:.,....::.,nn:.,..:n....:....:............ .n.n.f ,............. .._:.....:_:........:::.. ...................... .... ........................_...........................: .:....:E....::nnn::n:::::::::::::::.::3:::::::::::u:r... ..,......,~.,...ur .............................. ..... .... ... :e!e5!iiii!iii~i!i iiPiii!irii3::::: :: ~::: ~~::: ~~:::~~~:~:::... .~::~:::::::::a:n::n:::^::::::~::::::;::::r..:..::c..-.....,...:nSi6iiiiiiei!iiFii3Sci!ic:::i::iniE:::!ii:r.: _ - l~ .. .. ......._ .......:.......:...... ........-.......s.:::unu.. ....... _ ...............:::::::: n:::::,,:.:: n:::.: , ::::: ..~...... . .::::: ......:::: n::n::::::a::::::........... - nTti~~i~~~tibrt~~~:....:.. ~ ::::......:::::~:..;.. :.. :::n:::::~:::::::::::::~:,<:::::::::::::::::::::!::n::n:::::::,?: _ - - ..._....._. ... •...n.::.:.:._ ......:...::.:.......................... ......................................... ................ ::<ra;c:;rw:li,.eiciscr ~;f ~~ ................................ .,... !.............................:...................:::nn::n:n.....n:::n~nn~:::n::::::n:::::n:!::::::::::::::::n:::::::::::::::~:::i;!_r:::!:a;:~~i!::!.-!!"::.=.a!!si;:;:s!!s~:!....... ............. .... ..._ :.........:.............:........t................... ~ t . t _.....................::.::~.::...: .........:....................... .............._................................t.............._......_......_......._........................ ......,:.........n::_:...._.. .......:..............._......,..._.._. _...... ..........................._..............._..................._.. .................. ~,•n:nnn::::f!a!s!!r.:a?!:„n:,n:sr,!~:::!!!!:<:. _........ c......s ............................................... .. .............::::::-:::n:::.:n:n,:...n,::nnn::::.n:.::.._.._:n::n:::::n:nn::::::::.;.............:tssin~ta;;:~ ~a!!ast ..................................::n:av::::::::::.::::::i:::::::::n::::::. ........................... .. ......mr.:r.:::u::n::!an :nm:nn::nn::r. :i'au:ii2ai? ~Eiiiti'n•T:ii_!rlii!Eiuii'ri!i:iii5: ~~ iifF.iei~ ~i<'ai::a:a::;:::'r.!i!i!iiii!i%er.:n:::::r.::; ~::p:. cF.`ii<i~ iiii~'rFEiSi ter..:"•iiiiiii! ~EiiS~,r;;;;;.a!c; ...:....:........_..........:..:......_..a..:...............:.L....-......._....... .............................. ...: _ : :.. .. .-.................. ~ ................................... .............................-.................... .._...... ;.;............u::::::., u........................-..........n................:............ :::r..uu;rg!a!;!u::::n:::xr.:. u:u:;.. ......... ....... :........................... ........ .........._. ..-..... -:.....n:::d:.........,..........-..-....................._.._...........rr:r::::::::::::::s:::::::::~iw~i+~::n::::::::...::...:r..::::-n::::::::::n?i:::j~ :iii^iiiii~ i ...rr-:•. R::-i'iiiiiiiin"r; ...!. .., _:._ ..:... . __.........._n:::c:: _ - - - - ' - - :: t :.... .. uunr.:nmr..m:r ~c..^::::::::c:~:i::'::::=n::;...^:::::u: _ ,_, _..n •:.: •~: :... :...... :....::..:~. ,F_:......_....._.._ •L•.::... ..- ....:....:...._._ :::: -._._C:i ;:.r'::"iin f i'Fir.:'Gfvi!!:ii!:er:!:~ n~ iriii _~ ~ ~i4^Pi :~ - _... _. .... 't Trans Date Post Date Description of Fees Reference Number Amoui Amoui $0.( $0.( $O.t Total Interest For This Period ... .....::o:n :::::::::::::::::::_:::::~::::, :.....::n:::n:::n,::n:::: ..:..:n ::::::::::::::::::::::.:::n:::.: .... ,:... .:: ........:::::::::::::::...............2. .... n.:.: Total fees charged in 2011 $0.00 Total interest charged in 2011 $0.00 N l -- ...._:..........:-........:..n...:....rn.n.:.nn..n .nnm m:a< .........:..:-.._...:............:... .u...::n•,nrf.~::n.,...._....:........................................_r.:~:~mn:~n._:u•:•,••rsn_ ..d............_.._..... O .... ................... _::: .._::.... ~nn: m:un nnmmrsm.v:m:::.re::ca:::m::u.:r.:m::::::r::rr..,..;,.•:~t.~•:;x....;'i::E?'!::i"+"'i~':":i::i''tEi!c::_:iii!c;n::: °rnh: !i ~ ~:.... :: :... ~ .....! i... P ...:.......... ~E.r.::::a:a ~:::r:rn:~~:~::enc•: ~~•::t:•l:u:iilLdJ!i;.;,,,i ~ ^.:.s.::ti..v..,r..E"•:r.!;a.. ;....:.qn ii ~[iri~jat!bi :;Ilnteiresl;::!>~ha~ eC~l~u a . ...,:::,:; ::::.............._..:.:~:::::::,: !:....:._:;. ~.-:n. ................................ ......................... )....~:!~~:,:..:..n.: n.. ...... ::....,.::.........:~....,.:.::... . .............. ..........:......_.._.........._.....~~ ..>;...n::E:i::n:~~:~_.~.....a.._.:..~.,:.n::.:.,...:.:,n:.,n.:!t.::n:n.n:::::::<<x!.~~:;~~f:~:,~.t..:..:.:.....~..:....m O ,n:'l. :.,:~E ,-:.~. ..,u!n:sa .?€?~~~~:E s _,,.,..,_ t+...-!„.t,.. ,,,,,,., a .. ._:,....s,-. ~. o Your Annual Percentage Rate (APR) is the annual interest rate on your account. 0 o ,n.nnn,:,:..:nn.,n.:n.n..:n:n.:.,n..:......nn...:.n....n.....~a:n:a::~hanrtE:!:n:n:..::a:a:-,:.: ......._........:•..:.n:n:nnn:::::~.: .. ........................_................._.... ,........:.n....:.:...t ,............. ...... :.. .:G..:.:..._-.......v..~.:...f_I.«........-...-..........:._ .......:::::::~i:v-..........:~::rs:mm~::unf:uaw:uu:n:nc:mr.::::?-ie!5a!!aiFi::::::n::::u!u.:.'.::rznirii:::r::::i ~7'ic'. .nn:n:nn:n .n~ t.. ~_,_ ............._._ h.:.v....:.nd._:.nhbma_...:.:_.i.:_..~v..-. ...•s.:r.::::x:...,......:c•a:::n::::.-...:. Type of Balance CASH ADVANCES 80001 PURCHASES 00001 Annual Percentage Rate (APR) 24.90°h (v) 12.99% (v) Balance Subject to Interest Rate $0.00 $0.00 $0.1 Interest Charge $0.00 $0.00 Detach and return bottom portion with your payment. 100310 5 K 25 0000000201 STMTGX 2 N 49972 EXCPT See reverse side for important informatio HSBC ~ Account Number: 5523-1808-0042-7t New Balance $0 - - . _ ~.,. ®~ G NI Card M, aslerCaldJ GM World Card MasterCard Account Statement Account Number 5523 1 808 0042 7863 ROBERT L YOUNG Page 2 of 2 From July 26, 2011 to Auqust 26, 2011 BALANCE TRANSFER 14.99°~6 (v) $0.00 $0.00 71111 v=Variable Rate Previous Earnings $0.00 Earnings Received $0.00 Additional Earnings $0.00 Earnings Adjustments $0.00 Current Period Earnings $0.00 New Earnings Total ~ $0.0 Anniversary Date 06/01 /93 Anniversary Y-T-D Earnings $0.00 Lifetime Earnings Redeemed $0.00 Remember when you make a purchase with your GM Card, you'll earn 5°~b in Earnings, with an annual Earnings maximum of $500 that can be accumulated for 7 years. Your Earnings can be combined with most GM national offers for an even better deal. Total Bonus Shop Earnings are included in the "New Earnings Total" section of your Earnings Summary and redeemable towards an eligible, new GM vehicle. Log in to view your Bonus Shop Earnings at wvvw.gmcard.com/views. - - - - ~i ~:~ s - - Your account information is in your control when you register securely at gmcard.com/login. N V O W M O U7 N O O O O O O 100310 5 K 25 0000000201 STMTGX 2 N 49972 EXCPT --------------------------------------------------------------------------------------------------------------------------------------- ® G M Card ~~x~ GM World Card MasterCard Account Statemen~ Account Number 5523 1808 0042 786"c ROBERT L YOUNG Page 1 of 2 From AuQUSt 26, 2011 to September 25, 2011 Previous Balance $0.00 Payments - $0.00 Other Credits - $0.00 Purchases/Debits + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Past Due Amount $0.00 Fees Charged + $0.00 Interest Charged + __$0.00 New Balance $0.00 Revolving Credit Limit $0.00 Revolving Credit Available $0.00 Cash Limitt $0.00 Cash Available $0.00 Statement Closing Date September 25, 2011 Days in Billing Cycle 30 tCash Limit is a portion of Total Credit Limit. New Balance Minimum Payment Due Payment Due Date $0.0( $0.0( October 19, 2011 Late Payment Warning : If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your APR: may be increased to the Penalty APR of 30.99°~. Questions? Payment Address: HSBC Card Services, PO Box 37281, Baltimore, MD 24Hour Automated Account Information 1-888-763-5655 21297-3281 Espanol 1-888-763-5655 Billing Inquiries: Customer Center, P.O. Box 80082, Salinas, CA 93912-0082 Lost or Stolen Card 1-877-213-0779 Manage Your account online at www.gmcard.com Reference Number Amoun Amoun $O.Oi $O.Oi $0.0~ Total Interest For This Period .:....:. :::ar.::::::c:r.::::: n::::::u:_.:-::::u::::::~ ::::::u:........r.........{..n..a ...:...::::.::::. ::::c:c::::r:::::::~ : ~m:::a::::::x:F..e,::n:h:_::::::ar::::::: :. ' Ei :: , ..... i ' .:: iiuii~ ieiiiier.~ i"iiiiiiiiiiiiiiuiiieiiiF ~~ :: ~ ' ~ '~ .:::::: r._:~ .::.::::::::::~:::::::::~:'~t):~:'I~::ail;;iixk~?i1~;'`stir:.:11.Q::~at~i=1=~"~~~~~1'iliill;;li ...............4:::::::;;::::::::;:::::::~::::::::::::::r.::,:::::::;::::::::^:::::^ ,...:......,.:m:~:::....,....b.K"ri.'i':iiieii:::::r..:aa :'r.~ Total fees charged in 2011 $0.00 Total interest charged in 2011 $0.00 QN 1 O .. ""i:.:~ti:u:ru:::uh:::ur.:n:f:n:,::~iuu,,:.::,::::rs:,,::,,:,:n,: :::anv ::n:r. •...:rr:::r. ........ M .... -. .......:.:.:::...................... ....... I....?ii'~'::EE:f::ieS:Sti!E::~............................... i,t{i~aEi;GR[: .......:::::: m e .......... ~ ....... .. ...: ..._.._.._ ......m.::::::::E~:iii'i:iiiiii:i _ r ::.: :r. e:: a cu a ort!:::... ...... ...... ,..... Q ...:...r .r.,... r r....,.. ....... ..u .:.. .. r. ....::.:.: r ........ 4 n.... 1. ..4 ..P........... o Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance CASH ADVANCES 80001 PURCHASES 00001 Annual Percentage Rate (APR) 24.90°~ (v) 12.99°~ (v) Balance Subject to Interest Rate $0.00 $0.00 $0.0~ Interest Charge $0.00 $0.00 Detach and return bottom portion with your payment. 100310 5 K 25 0000000201 STMTGX 2 N 27859 EXCPT See reverse side for important information -------------------------------------------------------------------------------------------------------------------------------------- H~D ~ ~~~ Account Number: 5523-1808-0042-78f j~ New Balance $0.( ~~GMCard ~~J GM World Card MasterCard Account Statement Account Number 5523 1 808 0042 7863 ROBERT L YOUNG Page 2 of 2 From August 26, 2011 to September 25, 2011 BALANCE TRANSFER 12.99°k (v) $0.00 $0.00 71111 v=Variable Rate Previous Earnings $0.00 Earnings Received $0.00 Additional Earnings $0.00 Earnings Adjustments $0.00 Current Period Earnings $0.00 New Earnings Total $0.00 Anniversary Date 06/01 /93 Anniversary Y-T-D Earnings $0.00 Lifetime Earnings Redeemed $0.00 Remember when you make a purchase with your GM Card, you'll earn 5°r6 in Earnings, with an annual Earnings maximum of $500 that can be accumulated for 7 years. Your Earnings can be combined with most GM national offers for an even better deal. Total Bonus Shop Earnings are included in the "New Earnings Total" section of your Earnings Summary and redeemable towards an eligible, new GM vehicle. Log in to view your Bonus Shop Earnings at www.gmcard.com/views. N V O O V O N O O O O O O 100310 5 K 25 0000000201 STMTGX 2 N 27859 EXCPT --------------------------------------------------------------------------------------------------------------------------------------- ~~GMCard M erCard GM World Card MasterCard Account Statemen ROBERT L YOUNG Account Number 5523 1808 0042 786; Pa e 1 of 2 From September 25 2011 to October 26 2011 Previous Balance $0.00 Payments - $0.00 Other Credits - $0.00 Purchases/Debits + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Past Due Amount $0.00 Fees Charged + $0.00 Interest Charged + $0.00 Nevv Balance $0.00 Revolving Credit Limit $0.00 Revolving Credit Available $0.00 Cash Limitt $0.00 Cash Available $0.00 Statement Closing Date October 26, 2011 Days in Billing Cycle 31 tCash Limit is a portion of Total Credit Limit. New Balance Minimum Payment Due Payment Due Date $0.0( $0.0( November 20, 201' Late Payment Warning : If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your APRs may be increased to the Penalty APR of 30.99%. Questions? Payment Address: HSBC Card Services, PO Box 37281, Baltimore, MD ~~ 24-Hour Automated Account Information 1-888-763-5655 21297-3281 Espanol 1-888-763-5655 Billing Inquiries: Customer Center, P.O. Box 80082, Salinas, CA 93912-0082 Lost or Stolen Card 1-877-213-0779 Manage Your account online at www.gmcard.com ~~ Trans Date Post Date Description of Fees Reference Number Amoun . rz : r ... ..:....::.a.,:...:..rr,:..:.e..t::.:.:r:a::.a.::...arr....:..r... r:,:.:: , ...._.....a:::a,:a::.....:::-.:::.............:-.:::-.:::::::::::-::::,:-~::::::,:::~.::-::::..«::,:•:::~:::.:a.:a:~ -, .. : : fi . u.r rcr:R.u....n..........r.....r.L:...1 ........... ......i.v... ...:....... .:.... ....:. 1. ...... ... ............. ~im:i:n:::-::r:_r:::aar.:iau:; .i:r.:ra::: ......_ _ .. .....N ............ ... ................ ......f . I....L....._ . ......:., c..._.:.:. . nr.. ..u.... ~r............n...._...ara....r....,...r... ....i au... :....a....r _........... .... _ ...... ......................................................................... _....................... _.............................. u,........... ....I...... .f . ........ ....... lc ... _........... ..r. l... ...........n..........I............ ............ .:..: _._....... .... .: ... ... v ............. ... ... ...... ... .. ..._.............. ...........r...... .._....................._......................._.._................i............. ...... ................. .. ... ... ....... ... i.r.... .. ... _ .. ........................._.........r.:...:.....:.:.::rv:_._n:..:..:::........_:L......::....u:_:.... .................a...........:.... ~:E.:_.._....................::v...r...ur.:r.::rz::u::::u:na::iiiiii7•.5[ !A.................. ......:..:.:. u......e,..:. ,..a .:.: s.:..u... :...s....u..u..l,..:...,dna....n. u..a.uL.m: r.i...........n....r.......u..... ,..:._:n................. ...... .. .... .. ...... ...f. ....:.r ............. .: ... n .... ... .........._.... _ .. . 1.... «...r .... i ... ...... ........... ...r.. ......... _... .. ..... .: ........ .. : :{ii}'" iii(......;.. . ... .....n..... :. a :::::..:.......:...:::::.....r..:::::::: r . 1... .............. .............. .....................................................u. ....... .... .. ......._............................._......................................................................._:....................... :.... ~...... ... .......... .....: !'.:::r E:e:::;rs;i !n~ l.u;;zgn}{g;?'.;.e !.}u~'':'.5!i:'iEiEii:i^urnic:i.°.:Fii ~~?::S::FIi9"i:i?i(i?i?i'r'iiiii'~i ~y : ~::::::._: v::.:a:i::: ~ r,:... .: .... .. .. .. c .. :...............«................u....t...................r...........t......................................................,................:...............«....................................... .. ... ... .. ... .. ...f.iii}-:iiiEz liii'':Fiiiijiii~:i....*:!i'!:F .. ..:. ........._.._.....:u,..:u.:a.u......r...:_:a:..a.........................._,..,....,.,..t.........«:.a....r....:..r....:.....r..:::r:::.::..,.......::::•...,.... .. .: .:.Ln.dn:.r::ila }u r n n drdSu : : : r v : rr u v G I ~~ ~ ~ ~ . . _.. . . . ... ... .... ._. ... .. .... .... .... .. ....... ................................................................._....v..r.................._............ ........._................. .... _. .... ................... ...... . 3 .. .... . .. ..........: ............. .......... ....... .....................:............................................. ........ «................................ .....................................: :r.::::::~::n::,:::n::.r..~:::::::::::r ::::::::::::::::::-:,a:::::::-s: ::::::r::::::s::ern:•:::r::::::r:::::r.::::::c::::rn:r:_:...;.;;.,....._......................._. a.._..........:, .. :L: .. .. .. ».,....r . a-.~FA:t l~ .....r.:.....r ...............n...:._................._.........r.........:.......r....a.........................._.... r...... .. ......_ ........................_................ ................................................._ ..............._...........................................................~.............................._........................._................. ....... _.._::::_.........._.._..........._...._ ............... _.._ ...:..... ...........I. ... :.::a::rz,a:~•::a::a:,r„r;:a:a:a„::,l::a::e,,::::,.1.~,_:,a:::,r:-:a:::_::::::::,:::..; ,........:T ...................................................T...............................................,.....................: ,....:::::a::::......!:::::._•..._.__........................................r...........a................. ......t...................a.._................r.........................,,:,:...:,..:::a~:::=::i::::=~;::Ott:~;:r...t:::::'-tt~:~i:a:i::;:pity:aaartia~iaiaaai•-<:tr=rii:::~a,:istl~ ..... ina<'.::::::::;i;:~l;<~a;<+::a. Description of Interest Charge Amoun INTEREST CHARGE ON CASH ADVANCES $0.01 INTEREST CHARGE ON PURCHASES OI $O . INTEREST CHARGE ON BALANCE $0.01 TRANSFERS Total Interest For This Period $O.Oi ......................._:.::aa:rz:::a:a:::::::a:e:a:: a::::::::aa:a:a::aeaa ::: <sii:::::::::::aa::a::::::::::::::::::::: a:...:n::::a::rz~ <::=<ia-- a iii5~ xi Total fees charged in 2011 $0.00 Total interest charged in 2011 $0.00 N r N .....,;;r .. ............. ............. .............. ... ....... .... .... ...... ................. ....... . :::::t ::.:...........::.::............................................................. ................. .. .. ......... ............. .._ ........... .... .. ::.:........:....a::::ara::•m::...;....:!i:::<::::::::::iu::u:perec:.u::::i:::i:::e:::i::::::::::::•:::...::a:...,....;.:i.:, :............ ii ....... ......... ...«. ...... ...........rr:au:::ua ....._.._..«.,:::::::::isauu::a:.:e:::m:uau::u::::a:a:e:::::::u::::::^::uu:nr.! i'aiiiietiii.::::.r:~:c::::..u:uu::u::~:~ ~fFiiUti::ilsei:i.ii ~ i':i::u?:[::::::.u:.°.!:_: ::.^.u^ :: ie,iBeicieuii: .:r......... ...mu:::ui:;r?::: ...:~ ::::a::n;::a:m::n:.^un:r•:•:uu:•r•:::u.;...u ::::.:......:er.. .........::_..:...._:........:........._.._.._......._.........._.._..............................................._......................_..........................._......................x......................._....................................: ii^.•.!ii~:'.•!ii ai`.-'~ iifi?ei4i}ii::::iiiiiiti :ice Ii:iiii°iiiii!iii:^ia7uEiceii5::'ri^i:~'~ i:iiiiieSii:iaiiii£-'~ ii'~ ~ iii!~~.:i:i:'.:::::ii........ . ........:... .uu.....~ ....::a :.:...............t........................._.........................................,................................._......t....................... ....... ........... ........... ................... . .. ..... ... ......... .r .. ........ .. .. ....,.... .................._...:a... ....,_..,....r..............................:.et......_....e........_i........................ ... .. ..... ................. ................................_........... k................... _..... ....... ...z .... . .. .. .... .._.... ......r............_.v ............................................._......,.....................,.......i......a...:u.........:«:..z.:>...u..........i........u..aa..z..:....r.:.ncvm..m.........r._......G.................:c...c....................................................................................._.......!:::::::::::::Sr!: ^:::r•r^::^::~ ~•:.rz.:ui'r: .. ... .. .. ........s ....:..................r.....«............................................................................ _......................._......................r......................................................................................... .. ...... .... ....................... u................r............................................................_.....................................:..................h,....as:..::,.. ,.:....:.. ..:..........__... u...............,..........._...r.......:........,................r.......c......,........................._............_...._....r..................................x...._...v.......a.:........_..................._....................r.....r_..r...........:.x...r..u............_..............a:......_.._.r............_......u.............................a..........x.r..._.tG..r.vr.,..........~............t.....1.. ....I..}. .. ..... ... ........... _........: .......................i.............. _.... _ ..............:................. rrz:::a::::ta.:::::::::::r::::::a ::.::::::::::::::::::::«:::::::::::::::::::~.:::::~::::::::::::,:::::::::.:.:::.::e::::::,:::::a::a::::::::::::::::I:.::::::.::.::..:_.,, ............................._...:::~ ~ .:.:,.....:_ ;..............:.., ..... .. .. .. ... ............................................a.........,............_............,.........._.......:::•::::::::~::::::::::::e:::::::::::a::::ar..:~aaa::::::aea:a:a:a:aaa::aaa,:maaa<:::::a rest irtte ~~ar a dal ulabc~zii , , ~ : : l ,: { a ~ : : , 4 v~ p .... . ..............._.._......................_......................._..............._......_.._..._ ......... _.._..._...._....._.._...r........_. ..._...._.._...._._..................................._.._..............._.._..............._...._........_..._...._.....,_.._......._.._.._..~..................._..........._........:......,.a......,,..:rz::arz :::rz:: a,:a,:rz:,: ,r:....:.a. _ . .................:................... r....... . .... ........ .. . . ... _._....._a.__ ............................ _.............a~,_.._.._.,...............1.._............ a.. . ......t.v.. a ...... ... ... :.... .......a.:.....~..a. ... ...«..c.............r..... t... ... r..., ............t. ... ......a,..,........v.. a...v..........a.............. r.r............ .. ......_.. .... _ ,.....:.. .... ;. •. .h, n <: I ' iif.... ,ir..._: Iii:: ~} ...._.........7.. n .v..r ... ... . ~ i .......... «... ... a ...... ............ ......u........~.....r.:........ }...... ...._...u..... .:.......: .r«....a....:...........«.....r...c.:...........:.:::::: :::ua::x: a:hriii:iiiiariiiiiiiu : 1 .r a .. z_. .._...._... a.. iv ........ ....... ..........f. .. z :...a.nu: t r t.., n utm: S .. ......:...... t... ? ., ,I,. •....i:-.. r t , i,.:.f,. e - .,,.n ,...,,.{ ... ~`t:.a_ , _ .,,,...: ..r•.-t. .. ... ,.... ..:-, : 1..x......._. i ...... t ....... :..:,..a• i ...,......_. ,, li:1f. 1 .,.. :. « ~ rz:: :,. r :..r ,.a:. a :~: :, : .. r. jn~ run::: adi :iiiiil' .Z...... t.. fn:r ........... $ Your Annual Percentage Rate (APR) is the annual interest rate on your account. o 7 ....................... . !l:r :..::..::.:......:a.:,rz::rz:.a::::•.,-,::::-:rrz: ,:,:.,::,::::-::rz~,:::~:::a :,::a.:::.::::rz::......._............rz,:a::~:::.•:::::a:::::-::.........:. a:.::r,:::::: ... .. ..... ...... H. ...:..... .....u...v.............. .......r ..... ...... .....:.. ........ ........ .. .. .. ... .;...... ... :aca:ee::::u:;:n:: ~a:E:s:::u::ax:a::u:::::: ~:::isx:::aa~:urrr.:l:p:}r.iEee},pnn•u, npnvmum::::n:lm :{{p{}anvmmnp , umn m{!gry{ ..... a. c : l:S .._,_,...:a.,a: ,.:.. a .r.......... I ... .... ... 1 .............._.. r........ 3........................... .. ........ .........., ............ ....... .t ...... .. .. _ .: . H . .~.,.:..,}..:..,.r.....r.c... u..:.r...i....~ .r.....r ................ }.,.t.., ...... u_,.. _., .u..... ... ...... .d :... ... ..t ..« . _ ... r._ . .. u..l.. ...._.._ _... .. _ ..a1..._. u..............."""3......u. __ .....v...._..._.i.._....u...r_...:u...a_..r.......__........:........I.....a ...r__«.._ ..u~}....::...:_........::....u..a.._:...._c:::.:.~.u,..~:.t....::. ........... .. .................. .._......_ .B ......... ....._.................. ......... .. .. I .. ... ..... ........... ....n............ .. ... u.._....3...........d.....v....v..r......_..Eu..zi....v..nv...rf~....i.r...S...rr...u.rr...v..........r....._n....m..i}..r............:.......i.....r. ...._. 5. .... .. ..s ..................... .. .. :. ....«._......i ................................._.._..............: ....... ....... ........._ ......... .... .... _ ............ .... ,._................ .. .....................:: :r.u:zur:•u:•::~::r: r<:r:•:a: ten::: ::uuu e: «.: ...._:..:.....c:...n. .........1.«......r .............e........_:. i......... .. tx .. ..... ..« .. .. .. ... .................«........_.............._._..........i........_............................_..............:................................................_._.._............r..:...«................: «.:a.u..in. ..:,. .r.t .. ,. : , i. nt_ . , i .!{:uqr {?: uu;minnn;{n:ir:i~: :_x:.__u....:.ra.::n • .e :.. {. _. S. ._r ....... r.................. .. ... ~ . Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge CASH ADVANCES 80001 24.90°~ (v) $0.00 $0.00 PURCHASES 00001 12.99°~ (v) $0.00 $0.00 Detach and return bottom portion with your payment. 100310 5 K 25 0000000201 STMTGX 2 N 29298 EXCPT See reverse side for important information -------------------------------------------------------------------------------------------------------------------------------------- HS~C ~~ Account Number: 5523-1808-0042-786 11 New Balance $0.0 ® G M Card GM World Card MasterCard Account Statement ROBERT L YOUNG Account Number 5523 1 808 0042 7863 Pa e 2 of 2 From September 25 2011 to October 26 2011 BALANCE TRANSFER 12.99°,6 (v) $0.00 $0.00 71111 v=Variable Rate Previous Earnings $0.00 Earnings Received $0.00 Additional Earnings $0.00 Earnings Adjustments $0.00 Current Period Earnings $0.00 New Earnings Total $0.00 Anniversary Date 06/01/93 Anniversary Y-T-D Earnings $0.00 Lifetime Earnings Redeemed $0.00 Remember when you make a purchase with your GM Card, you'll earn 5°,6 in Earnings, with an annual Earnings maximum of $500 that can be accumulated for 7 years. Your Earnings can be combined with most GM national offers for an even better deal. Total Bonus Shop Earnings are included in the "New Earnings Total" section of your Earnings Summary and redeemable towards an eligible, new GM vehicle. Log in to view your Bonus Shop Earnings at www.gmcard.com/views. N V O V O N O O O O O O 100310 5 K 25 0000000201 STMTGX 2 N 29298 EXCPT ~~~L' ~19~1Z SAMUEL L..ANDES ATTOBNEY AT LAW 525 NORTH TWELFTH STREET P. O- BOX 168 MAILIxc ADDgESS: LEMOYNE, PENNSYLVANIA 17043 TELEPHONE P. O- BOX 168 (T17) 761-6361 LEMOYNE, PA ~TO43-0168 FAX E-MAIL: LawActdcs~aol.com (7171 T61-1435 16 March 2012 Charles E. Shields, III, Esquire 6 Clouser Road Mechanicsburg, PA 17055 RE: Young Estate De~.r Charlie: Thank you for the documents you sent on 9 March 2012. I have sent them to my client for review. The documents may be helpful, but that is what we need. We need an accounting, fog anal or informal, from your client as to the assets he received, what disposition he made ~f j:>>em, and what is left to distribute. I have raised a few questions in the past, but those questions were based upon less than complete information. Until we have aclearly- uefi~aed list of the assets your client received and the debts and expenses he paid with them, I am not in a position to help my client resolve their questions. Please put an account together and get it to me as soon as you can. Sincerely, Samuel L. Andes arr~.~ cc~ Ms. Belinda Y. Roselli :f . ~. ~ -7 ~~ ~~ G~~~/~ SAMUEL L. ANDES ATTORNEY AT LAW 525 NORTH TWELFTH STREET P. O• BOX 168 MAILING ADDRESS: LEMOYNE, PENNSYLVANIA 17043 TELEPHONE P. O. BOX 168 X717) 761-5361 LEMOYNE, PA 1 7 043-0168 FAX E-MAIL: LawAndes~aoi.com (717) 761-1435 11 June 2012 Charles E. Shields, III, Esquire 6 Clouser Road Mechanicsburg, PA 17055 RE: Estate of Robert ~. Young, Sr. Dear Charlie: It has now been more than six months since I first contacted you for some explanation about Robert L. Young, Jr's actions with his father's assets. Although you ~ ~ ~ ~ sent me several sets of documents, your client still has not answered our questions _~.__ ____ _. _ _._ a __ y ding of what he did, both prior to di.~~:z~ti and we still do not have a reasonable un erstan .. _ - . _a _ _.__. ~~ ~'~-.ther's death and after his father's death, with the assets he received. My clients have been very patient in this matter but I cannot hold them off much long; ~°r. If you cannot give me at least an informal account of your client's actions with these assets, I may have no choice but to seek relief from the court. Please give this matter your immediate attention. Sincerely, Samuel L. Andes arr~l~~ cc: Ms. Belinda Y. Roselli r~ ~ CHARLES E. SHIELDS, III ATTORNEY-AT-LAW 6 CLOUSER ROAD Corner of Trindle and Clouser Roads MECHANICSBURG, PA 17055 GEORGE M. HOUCK ~~ ~/~ TELEPHONE (717) 766-0209 (1912-1991) FAX (717) 795-7473 e.~~,~~- ~~~~%~~ ~i~atre_r~Pa erw. ~v ~imol~ .w.~,.. f/q~,~ ~raa~ 6w,~aE~o-~~ ~f ,f wr~cf ol~~er*e ~i,d ~P i6I 0 d.~a ~~~ ~~~~~ ~~ ~~~ ~~+e ire 4~ ,~ 4~~ ~ ~a-,~a ~' ~~ .~ e~ ~/9/a MAILING ADDRESS: P. O• BOX 168 LEMOYNE, SPA 17043-0168 E-MAIL: LawAndes~aol.com Charjes E. Shields, III, Esquire 6 Clouser Road Mechanicsburg, PA 17055 RE: Young Estate 18 June 2012 TELEP1iONE (717) 761-5361 FAX (717) 761-1435 Tear Charlie: Thank you for your recent note. However, my client is not satisfied with .the lack of progress we have made in resolving this. I first wrote to you about the problem in ., ~ctc~ber, almost eight months ago. Although we have received bits and pieces o inc~~~mation, we have still not received a satisfactory response to our questions or an~;-~.hing approaching even an informal account of what your client did with his father's as~~ets while operating under the Power of Attorney or after his father's death. I have prepared a Petition to Compel your client to file an account and I enclose a cop}~ of it. Unless you tell me that ou and our client are in a position to .give us an __. _ _ . accounting of'what he did with his father's assets, both under the Power of Attorney an :_ in tli~ Eslate,~ within the next week or two, I will file the Petition and ask the court to take act gin. _ Hopefully you will have completed your review of the latest batch of documents yi~~~~- ciierlt delivered and Ex~ill be able tC1 tell me quickly whether you and your, client will, be able to give me a thorough accounting, even if an informal one _of his.expenditures. `; ~i~~~ctions in the near future. If I do not hear from you within a week, I will proceed w ',' ~ the Petition. • Sincerely, an:~ h ~ Enclosure cc: Ms. Belinda Y. Roselli SAMUEL L. ANDES ATTORNEY AT LAW 525 NOBT$ TWELFTIi STBEET P. O• BOX 168 LEMOYNE, PENNSYLVANIA 170<13 el L. Andes ~~7~ IN RE: ) } ESTATE OF ROBERT L. YOUNG, SR., ) Deceased ) CITATION AND NOW, this day of 2012, upon consideration of the Petition of Belinda Y. Roselli to Site Personal Representative to Render Account and Report of Administration a Citation is hereby issued upon the Respondent Robert L. Young, Jr., to show cause, if any he has, why he should not be ordered and directed to file an Account and Report of his administration of the Estate of Robert L. Young, Sr., deceased an Account of his actions while serving as the agent of the said Robert L. Young, Sr., pursuant to a Power of Attorney. The Respondent shall file a written response to this Citation within thirty (30) days of the date of its service upon him or his attorney, Charles E. Shields, III, Esquire. BY THE COURT, J. Distribution: Samuel L. Andes, Esquire (Attorney for Petitioner) 525 North 12th Street, P.O. Box 168, Lemoyne, PA 17043 Charles E. Shields, III, Esquire (Attorney for Respondent) 6 Clouser Road, Mechanicsburg, PA 17055 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ORPHANS COURT DIVISION ESTATE FILE NO. 21-11-00147 J' 7 Sl IN RE: ) ESTATE OF ROBERT L. YOUNG, SR., ) Deceased ) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ORPHANS COURT DIVISION ESTATE FILE NO. 21-11-00147 PETITION TO SITE PERSONAL REPRESENTATIVE TO RENDER ACCOUNT AND REPORT OF ADMINISTRATION AND NOW comes Belinda Y. Roselli, one of the heirs of the above Estate, and files this Petition to request the court to site Robert L. Young, Jr., the personal representative of the Estate, to prepare and file an account and report of his administration of the Estate and his handling of the Decedent's financial affairs prior to the decedent's death, all based upon the following: 1. The Petitioner herein is Belinda Y. Roselli an adult individual who resides at 1509 Grandview Avenue in Mechanicsburg, Cumberland County, Pennsylvania 17055. Petitioner is the daughter of the Decedent Robert L. Young, Sr. 2. The Decedent Robert L. Young, Sr., died on 15 November 2010. Prior to his death, Decedent had appointed his son, Robert L. Young, Jr., the Respondent herein as his agent pursuant to a Power of Attorney dated 7 June 2010. Decedent also left a Will in which he designated the Respondent as the Executor of his Estate. 3. The Respondent Robert L. Young, Jr. was duly appointed the Executor of the Estate of the decedent by the Register of Wills of Cumberland County, Pennsylvania. The Respondent has held that position since his appointment. 4. Prior to Decedent's death, the Respondent had served as Decedent's agent pursuant to a Power of Attorney granted him by Decedent and dated 7 June 2010. During the months ~,~ ~~ prior to Decedent's death, Respondent received Decedent's funds and expended and applied them in various ways. 5. On 25 March 201 I, Respondent filed a Pennsylvania inheritance tax return with the Register of Wills. That return listed gross assets of $159,888.72 and total deductions of $16,083.27. 6. Upon her review of the inheritance tax return filed by Respondent, Petitioner determined that the tax return omitted several assets owned by the Decedent at the time of his death and also misstated some of the deductions taken on the tax return. 7. Petitioner has learned that, during the final months of Decedent's life, Respondent expended Decedent's funds and assets for the personal benefit of Respondent and his family. 8. Petitioner has learned that, following Decedent's death, Respondent continued to use and apply the Decedent's funds for the personal benefit of Respondent and his family. Petitioner has also learned that Respondent continued to use Decedent's personal credit card following the death of Decedent for the personal benefit of Respondent and his family. Petitioner believes that the Respondent used funds of the Estate to pay the charges he made on Decedent's credit card after Decedent's death. 9. Petitioner has brought these matters to the attention of Respondent, through Respondent's attorney. To date, Respondent has provided no satisfactory explanation for the questions raised by Petitioner. 10. To date, Respondent has not filed an account with this court, or any report outlining and explaining the actions he took both as Decedent's agent under the Decedent's Power of Attorney prior to Decedent's death, and as the personal representative of Decedent's Estate. 11. Petitioner believes that Respondent has completed the liquidation of the Decedent's assets and has all the information he needs to conclude the administration of the Estate and prepare and file an account and report of his administration of the Estate. 12. Petitioner believes that Respondent's delay in concluding the administration of the Estate and filing an Account and Report are a result of Respondent's bad faith and his failure to properly administer the Estate in accordance with the law and the terms of Decedent's Will. ~7~: WHEREFORE, Petitioner prays this court to issue a Citation directed to Robert L. Young, Jr. requiring him to appear and show why he or she should not render a full Account and Report of his administration of the Estate of Robert L. Young, Sr. and, further an Account for his handling and administration of the assets and financial affairs of the Decedent prior to his death, and to take such further action and order such further relief as the court deems proper. Samuel L. Andes Attorney for Petitioner Supreme Court ID # 17225 525 North 12`" Street P.O. Box 168 Lemoyne, PA 17043 (717) 761-5361 t7-7 I verify that the statements made in this document are true and correct. I understand that any false statements in this document are subject to the penalties of 18 Pa. C.S. 4904 (unsworn falsification to authorities). Date: ~, G~~2x-e.,c.,L BELINDA Y. OSELLI /-? ~ CHARLES E. SHIELDS, III ATTORNEY-AT-LAW 6 CLOUSER ROAD Corner of Trindle and Clouser Roads MECHANICSBURG, PA 17055 GEORGE M. HOUCK TELEPHONE (717) 766-0209 (1912-1991) f 9 ~~Z FAX (717) 795-7473 ~ ~y ~'Q%~ ~ ~~: a ,uuwd.Ps-~.- a~G~w~aae~/~.~~ ~/ife,p ~~ne /~/~ ,sn .~eaa' ya mr ` ~~na n 00 d eke 4,/~a ~~~'~,u~m ~ . ~ ~~~ ~. ~,~e ama'~ ~a~ssuxGZ.~ ~' ,rt ~, ~ LLU~iIf ~/a ~f wey~f~ amrau~ ~n acv ~p~ „ ,Q~ Ce~ -~ a¢~ce ~~~~< ~r ' ~a~Jiu~- q~~~a . l~,~cae c~iuAe a~ fi ~~~~~~.~ ~'7 JUN-19-2012(TUE) 12:OQ S~ ~1 Rndes, Esq. SAMUEI. L. ANDES ATTORNEY AT LAW 525 FORTH TWEIFIH STRLCr LEMOYN~, PL~NNSYLVANIA 17(143 Mailing Address; P.O. Box 168 Lemoyne. I'A 17p4;3-(.Ilf+2t Sent by fax nnl v 1 x'95-7473 Charles 1/. Shields, tit, Esquire 6 Clouser Road Mechanicsburg, PA 17055 RE: Young Estate Dear Charl ic: 191une 2012 (FRX) 761 1435 P. 001/001 Telephone: (71?) 761-53(il rax: (?17) 761-1435 ~-Mail; I,AwAndes ~ aoLcom Please send me a copy of your in~onnal accounting "plus." I will look it over and get back to you if there is more I need. I will hold ofd onfiling anything until 1 see that as long as you get it to me shortly. - Sincerely, amh Samuel L. Andes l~ t~ CHARLES E. SHIELDS, III ATTORNEY-AT-LAW 6 CLOUSER ROAD Corner of Trindle and Clouser Roads MECHANICSBURG, PA 17055 GEORGE M. HOUCK (1912-1991) Samuel L. Andes Attorney At Law 525 North 12~' Street PO Box 168 Lemoyne, PA 17043 Dear Sam: June 20, 2012 Via Certified Mail Re: Estate of Robert L. Young, Sr. TELEPHONE (717) 766-0209 FAX (717) 795-7473 Please find enclosed the following items with regard to the Robert L. Young, Sr. Estate: 1. Running List of checks by Check No. that I prepared in order to compare the various entries on other Schedules in an effort to make sure I got everything needed. 2. Informal Accounting Extracted from the printed out Check Register supplied to me by Bob, Jr. This begins on September 10, 2009. 3. Informal Accounting regarding Bob Young, Jr.'s VISA Card. 4. Informal Accounting regarding Robert L. Young, Sr.'s HSBC-GM Card. 5. Typed statement from Bob Young, Jr. (Which I think you already have.) 6. My notes of extracts of pertinent details dated 12/23/2011 in upper left hand corner. This includes pertinent extracts I thought were important. I think these items, along with items already sent to you are likely all the data I can come up with without involving a forensic accountant of some sort. Perhaps the easiest way to proceed further is to review all this information and list what questions in general and what particular items /expenditures are in question. Bob Young, Jr. is confident he can answer and justify all questions and expenditures. If there are any additional items you need which I have not already provided to you in previous shipments, please advise and I will do my best to obtain them for you. Assuming the best possible case -that the family can get these issues resolved among themselves - I am still planning to file a Supplemental Inheritance Tax Return to clean this up and to report items I had not been previously aware of, I am of the belief that the auditor at Revenue will pick up the mistake I made with reference to the amount of the funeral bill on Schedule H since I attached the bank statement with the correct data as an exhibit. If not, I will correct that as well. Thank you. Hope all is well with you. CES/mjj Enclosure cc: Robert Young, Jr. (w/o Encl.) Very truly yours, c .~ v Charles E. Shields, III Attorney-At-Law l~ ~ ,i ~~' 4r~ 3 ~yo- 3~~q 3~0 `~/ yZ y~ :{ ,, ,~~ 7~ j ~ 3 8 ~l 5 ~~~ , ~.._~..~ 3 ~, ~s ~~ ~~ ~ y ~ ~~~~ ~~~~~ ~~~. ~, ~~ ~i ~ j ~ ~~~~ ~ ~~ ~, ~s :t _. .~, s"8 ,; ~, ~ 3- r ice, ~~ 3 ~ s`~ Cpl-~fj• ado. oa ~.~'~' ~~ ~, '. ~ ~ Gtr G'~ ~~~ Sy ;, S" /~~~ `' ~, ~ v ____. r~ , ~ /S7~ ,. 3~ __ __ _ _ l a~~ _ -- fy. ~ ~ _~ ~ S S~• 37 .~ '~ZJ~ .f. ~ ~; :~ a 7~ (l~ ~~ _ __ ,~ 3 . _ __ _ _ - ~~ ~ ~ 7 ~~~~ ~ _ ~~ ~ • __ _. _ .. _.T_j .. _. _.... I{ 6~ ~ ~~ ~,s8 ~ , ~ t~-u ~v,N/~l6' LlS T 3510 -- ~ ~~q ~' '3 87o Gm ~~ o~ !~ ~ ~ ,~~ ~~ ~ 72- j , ~ I ~ i ~ 1!~ ~~~ ~~?~~ ~ ~o . ~3 7? ~ p7L~r~K~iJ~/ ~~~~ ~ ~,~ ~~ . ; ~~~ ~ L-,/y~S ~. ~.~o ' ~ ~7 ` __ __ ~ a,~ ~Z ~ - ___, __ __ ___,~lo,T~ f , _ _ ~3 ;~ __ _._ ~ ~ } ~ ~f ~~•Z~ n, i ~. _ _ _ > ~ `D . _ ~, ~(~ r. ,~ ~ ~, ~~ ~ ~ ,j ~ ~ ~2Q ~~, !~ ii ~~ ~ ~` ~~W~ ~ ~ ' ' ~ ~'~,, Tvt.~ ~sp'o3 6 ~~0 3 g ~ o ~N ----~~T,~co s __ 0 0, t- ~/ _i ~ ~'~~nv~ 9~. ~ ~ _ P/~.D( ` ~Z ~,({ ~ ~ (, S/ ,1 ~ 3 /~{~~ °?1 ~ l ~~ ~, 9l~ ~~ _ _ _ ~~ _. _ ~~ . 3 ~ Feu -v N~~~ ~sT P~ 3gov - ~,qz.~ Sgao l ~n~1a.~e ~lea-.~' ~lo~~~ a/3. ~ o ,~ d L ,~/G(,a ~ l9i ~/ d ~ ~'~~`~ p ~ ~~~ X- 1, `f3 3 R a ~ ~~ ,~o T ~~'- o0 ~ /~it~cLa~t~ p~a~t. ~7/, ,~d S ~ ~ oa ~ ~, ~~o l~ low 7D :, 3~~ o ,, ~ ~ ~. ~~ ~o } ~~ ~~~ ~ ~~~~ 3s~3 Z ~~ /~S~~S, l~~ ~z 13 ~~ R! G~1 X79. 79 I `~ !~ ~~~ .~o, o~ ~3 ~ i 5 _ ~~n`~i~r~ ~~ 3z. ~S ;~ /6 i ' //~~Q iC~~A .3~ . 33 _t ~~ ~ l _ ~ 9 2p _ ~. ~~ *t ZI . ~ _ _ ~rd~~__ . ,... /7•/S o ~; ~; Z~ ~~~~u~ ~~ ~ i~ ~; _ ~.~ ~ ~s" f ~~~'~i~ 6~T ~9 ,. i Z~ _ , ~ ~~e 9~, s~ :~ ,. 2 ~ ~ ~! r~Ma __ __ ,_ _ ~D~J~ `~ S !~ y ' ,~uNN~~6 G,/s ~ 3 93 o--3~s q 393 0 .~/ 32 33 -~.._. ~~~ 3 y :; .~~3s 3(~ ~~ 3 ~" ~, ` 3 9' ~' 3y~o 'i ~~ :t '~ ±, ~~ ., yz ., ~3 j ~y ;: ~ 3 ~5~ it _9 '~ ~~ ;, '} ~7 far a a/~ E7ns ~~ No ~ w/aRnu./ (u56U~ -Gnfuc~ y~ gr/~i~ ~ef.~~ y~ ~a tiw,~ . ~ ~. o H~ ~~ . ~ ~~~ r~iG/ J~ ~'; D~ ~S % 3~ ~ 4~ /,~ .~, S~ -r- o -- loo, 00 ~~, ~~ r/ . 7G 7, ~7 7S'oo d'"3. ~~ 7g..~/ s r ~~ ago. -~~ ~z. yS .~.~, ss ~, i.3 S,o7 y~ ~~ ~ 395`x_ N~ ~T _ 5'~ ~~uma~ ~ ~~ S2 ~d~lu~f /1~i~ S3 /~..r.~r~,+~ . H f~o~. - _ ~ s`~ Na:+~ae ~~B~~nu }~ S ~ ~~~~ ago, 7~'" as 3s.. __ ~ ~U 9'~f lG I, o0 ~a~.~z v~• 1~,~~, r ~1.~~ ,~,1'~,~..1.~ l/~~a, ~~~ is ,~(~,11 ~G//,o4~ s ~~ a~< ~ ~ I '~ i i ~ I~ ~' ~' ~,iwNnl~ N6 u S ~i f ~. ~n Cwt. .3. ~ o 3g~o ,; ,, 6z ~nt~, ~ ~r~rr~, 3~ • ~ 6 3 K (~~c. ~.z3 ,~ J ~ `~ ~~/~ ems l7s2 . ~~~~ s G~ ~~ ~'7~ • ~~ ~ ~ ~~~,~~ ~ ~~ ~• 3~ ~ ~~ ~ 7 ~f ~~~d~ ~~ ~~ ~`'~ ~ 9 ~ ~'~ ~~ 3s~ ~~ f i ~~ y ~ ~~~ a.~3~ ~ z ~~;~~ ~~~~ ~, ~~ _ 7 3 ~f ~ 5~ % 7G, o0 ~ _ _ _ _ ~ ~f ~~ _ ~ ,~ 1~-3 f _ _ __ ~~ ~~ /~ ~~~ ~~ 2Z ~~ 7~ ~3.~; ~ ~~ ~~ ~~ ~z ~: _ _ _ _ ~~. ~'~~~~~ ono ~i~~D~/~ 3, ~~ ~~ Jy~,~~,° ~; it ~ ' _ ~~ r. i'~ ~~ ~~~. ~' ~~~ *~ _ _ __ . (~ ~ u~Nia~~ ~~~ T 3~9a --~~ `to19 ff ~ 9 ~D , `~it'r~u~e ~~'d,G~ 7 S7 ~ q/ ~, ~~o,~-c~ ('~ ~o, ~z ,~ L ~ G~Yti~h~Zl~1 ~ ~`~ S~' Z 8 y3 ~ ~,~~ ~`a s, ~.3 i l ~ ~ ~ s` ~%~,~ ~~ 3Z , -~ ~S ~ f O~iu~ ~'~t a~ /Y~~~ ~Oj /~• ~,S ~c tc ~ c~G~~`~ ~ ~ f C~~~ ~~ S. ~ ~ ' '~ ' ~l~ . ~ ~~C' ~~~~ ~~~'. 70~', 33 - /' ~~~ ~~f 000 :~ ~r/yf ~~ /~ ~~~; aS 9' ZZ ~~~ _ • ~~ /D ~'~ __ _ _ _ _ 4_} _ ~~ _ _ _ ~. ~y +++yyy,~~~~ 1, , ' ' ;; ~~ / ~~~ ~~ q t ~ ~~ C'~ie ,~~eq! 3. ~a _ _ _ ___ __ . ~ ~ ~~ ~ lz ~ ~~~~~ ~~ . ~7 ! l~ ., ~ D ~~ _~~d. 3 ~7/ 9 ~f ~ ~'~re ~~~ ~~~. !~- a7 ~ ~ ~~~e / ~ r ~ _ ~~G~~~~l [,'( r OIL "' ~ -- 17 _ GC ~~. _ _ _ _. _ _ /~~ ~ `~ i I ~ L>'n ~~e w, yS rn///^/~/' 1 y~o Za -; ~o ~ ~ X020 2~ 22 ,' 23 ;, ~N<N6 45T /~~n~ru~e Hea~f~ ~i,~,~ew~ ~~.83 ~~ g;sy ~.+~+,~;~,.~Pe Head ~ncu~cc~ ~f- ~~ PPc has, 9z ;~ ~.y ~Z w ~ boo, ys ~; ~ ' ~; ~o ~ 5 ~~~.~ ~~~~ ~ 7 ~. ~3 ' ~ i- ~P .r-,- r .-.. ~ (~7 ~ DO .O"" Z7 f-t 7' ~ T- ~a, oa .~ Z-~ ~~~L~ac~ ~/~~~ ~~e. 53, ~`~ ~'~ 2y `' `~ ~~ ~ ~ ~3 3/ ~~'~~%~. 3~v9 ~ Z C~ ~'a~as / ~~ /9 ~~ ~ ~ ~, ~ ~ a ~f o. ~ ~ /s~_ ~' ~~ G~~t. ~ aoo. eo ;; ~~ X~S few. o0 Ifi III" i 3q 1 ~~ ~9~. ~~ _~ j { ~ _ ~a y ~ _ _ ~ _ _ f 7D, oo . 3 ~~ _ _ ,, _... _ __ _ _ _ _ _. . _ __ ~~ y/ ~ 3~ ~; ~/Z Sk~p/~F~ ~ ~,¢!~' :; ~~ ~~ ~~S ;; ,~ ~~ i ~D ~ 5 :t _ __ 1 ` ( ~' _+~ _ _ ~~ ivN~n~G ~Y~ ~~ST 4'05 -- :, y~sa ~ ~l 1 1 S~ j ~3 5~ ,~0 5 :S^ 5"(O `` I' s~ s~ .. .may ,. s~~,~P~-~ ~. ~~ 1 yob o ©,~ C~~c~~ ~~ ~~ _ _ _ _ ._ __ . i ~, ~z :, ~; (v 3 i ~ ~y .F .~ ~° ~~ ~~ ~7 ~ ~ ~8 I ~9 ~' ~0~~ 33 2 ii ~~ ~ ~~ l~, 7Z ' ~ ~ ~~ 7 +1 ~G /~~2:~~ ~~~ /~', _ _ ~ , 7 y ~ ~ ~!s o?0©, o0 ~ 1 t ~~ ~ 5~ I Q~ ,~/~_ . 3 3~. ,~ 1 ~~ 3 3 7 7'7, o ~~ _ __ ___ 20 i ~ 7~ ,~ ~~ o`"~I ~lGynL ~~~~~,~G' ~ ~~ i I '' ~fo~~--Sj'oq ~0~0 ~h~~ - ~ a~~ ~o, SSr ~I ~ ~~~~'~' ~~ ~ sa8 ~ ~z /y~ ~C ~~. y ,~, zoo, `~ ~~ ~~~~~ 7S~ no . ' 0 7 l~m~ ~~ ~ b00. ~ ~0 ~'~ -~Z ~iv~iu:t~ ~ 3 7~, 3 3 6 ~~ ~T ~L ~ 33~, g~ ~~ ~!~ ~~~ __ 7, ~f0 3 ' as .I 0'~ w ~/ D 6 ~~ Gad, O D ~ ~ y ;+ 0~~~ - ~- ~a, oa~..~° ,~ ; ~ __ y ___ .~ ~3 ~ ~, /-~,La _ _. ~~~~ 33 '' ~ g ~ ~~ Ca,~d ~~ 72 ~- ~~ ~.~_, ___._. ,~ d qS^ ~ W W -~ . t ~_. _ .. i __ _ ~~ ~. ,, i ~ ~ ~ . __ _ _ _ ~~S eo < ,, ~~o~ oa ~; ~ y ~,~~ c~ ~ ~ ~o ,~"ODo ~~ Z r* ~, ~ ,; _ ~~~ , • ' ~N - ~~ ~ ~ 3 ~yy ~aw~~ /~o. a~ ;: a~: { ~~~ y~~~o ~, ~~~~ do C~~ 3~, ys" D ~~ S ~~; ~a 3 t s~ ~t ¢ 9 / ~ 8S~ ~~~ ~ , s. is /~/ b ~ ~ ~ ~~ ~/ ~OD,BD ! ~,g ~~~ ~~~ o0 z o ~~ ~~~~ ~~ O` ~~ ~u~~~ . ~ 3 ~O8'~ ~ ~ _, , ITT z oo'I ~ o~'~s/aq .. <~/~~~ ~ ~+ ~ 3~ 00 ~ . ,, /~ L o' ~ !.~'` ~` ~ L ;~ ~,~ ~ l __ ~i i~s7o~ 3~s~ G~ L'~a~ ~.~~5~ _, 3 ~sS ~~ ~~'~ ~/SSA ~~~~ , '; 3fsS Z Q . -~~ ___ • L .. _..._ ..._ .. °~ %+ _ ~ ~•~~• ~~~ yy~ a6 _; ;~ ~ p ~~~%~N ~oi~~~~ .~ ~cv~i. ,~ ~ ~, y37. z3 ~(IO v. ZOD I .; ~~f~ ~ ~~~ U , s . ~l, ~ s~- ~° ;, ~ c~. 5. ~ Z~, ao ~~~ ~ ~~ /~. / `~' ~5~~ /~G~~~i ~~ .3~. a o ,~~q ~ , 3863 ~: ~ 6D, %p. fi /05: 7a . .~ ~ ~'~~~ . D~ -~ __ ~,j~o j 3d7D G,y' ~~ ,~ ~ ~p.3~ ,~ i~~ ~rr ~r/a~ :~. Y~r ~a ~~ ;~ ,; 386 9 GCl%~/'~ ~~~ y. ~'S ~<~«, 3~4 8 ~' l'' ' ~~ 3,s8 ~ 6~~3 i + ~rtcc 3 ~ 7l Gtiru~ 10i~ -~ %~1~~~ G . S ,f~~~ r ~ ; /n~l~~r~~~~°r~~ ~: 3s~6s- i 38'7, ~, ~G,ti1iA~~0 ~~/r7~// ~ y4 .oo , '' 3~7~ ~ ~ ~l•3~ ~~~a ~ 3~8~ Y~;~ ~ ~~ bZ , i } 387 ~ ~G i~~~~ (. ~f/ . 38'?~ ~ (~ ~, 3rs8 * '' ~ 3gs-~ ~. N ~~. ~•3~ ~ ~ ~ ~~ _ ~ ~ 3 ~TG_ ,l~~cn~~~¢ vyer~~ l~o _ _ ~~~ 30~ ~3 _ _ _ ~~ ;~ _ _ 38.~~ --~ ~ i~-. ~~.3 ~ ~J ~5 ,i 3878. ~.~~-~%J.~s ~o.oo ~ ~; ~ `~~ 310, 7 ~ . /~lz ~ r r, ,~ros,~ 3 IJ^ 3y _ _ _3 X8'3 ~~~u ~~~~ ~ ~r~~r.~ S'`f `f- z7 f ~~ ~, ~k,~, ~. 37,47 ~~~~ ~ ~~ ~, qa3, ~6 ~~~'~' ;; ,~...._.._. ~ ~~r~ ~',~ ~ ~ r ~ ~ ~' ~ ~ ~ ~~ ~l b ~~~, / ~ " / 3 8 ~D C~/•l - X-/~ZQO ~ ~~ ~ („ oo . o0 , o S /a ~B~S ~'rh'~C¢~ C~~~ ~ ~~ : ~~~ /~~G ~ ~ ~ //, 3 7 /z~j g~ ~ E'~G~~ 3~ ~~'~ ~ ~ ~ y//~ /" 3~~5 [~~I ~'~~ ~~i 7 f 38 9~ ~'~~~~ ~ ~~. ~3.sz 3 ~ f 3 1~~~~ ~~y~v _ '~ a/ ~s+ ~, ~_ ~ 6 /~ , ~ ~~l t ~~ ~ 3~0~ < < -- f ~.~. ~a ~ ~~ ~~ ' ~ 3~f~ L~~ ~~,u. '~ !l•3/ r 2, , I i l a3 _ 3 ~~ G~ ~~ ~ ~~~~~'~e 7 00 ~• ~~~ ~ ~ 38.E • ~ 3 o b ~~~~~l ,~ r ~. ~ i1 1 ~ ~ 3~a ~ ~~~~ ~a ~ 1- ~3 ~ '/7 lr o ' ~ U 39a3 ,~~r'i zs~r ~-s9•~a~ ¢~•l9 ` , 4 ~~~, s7 i V / Dd , ~~ ~l ~t II ~ n ~ • ~~~/~` V .1 l/igloo f 3. ~~s l ~°` l ~ ,oo I z2~~`' ; ~ ~~0 393 Gil ~~ ;; ., ~~2~o ~~ ~rt ,i ~t ~~~~°' !~ ~i .~ ~~~~ ~' ~/~~ ~.f y~~d 2IS~io I ~. ~~I~o .~ I' I ~~ i ~t U U / ~GUct..lu~. ~3, /~~G, 8"8 39i1~ l~~.~ycn 0 3916 ~~~i 39~~ O~~N~d~ a~U~ 39/,z /~S~S 39ie ~ ~qo~u. ~~9n~c~t. 39i~ /~ ~o~a.~ G~/at. 39~`/ o~;%~i~i ~ G~a~~ 3922 D.~Dj~r~u~n 39x3 ~ ~ o~~.ta, /ll~ 39i1 ~ l~u~u d~~v. X36, ooo. ~° ~~ ~s ~0~70 `f79.7~ ¢~~.6d .3.0. o ~ sy~ 3.3 ,~ D /~4~ ~ Z ao . L2. 3s.~ ~7 i6 3.~ ~ ~s 7~ ~o.oo ~~~-ao~o _ _ ___ ___ ~. ~ ~ 3riZ1 ~,~ec ~/rM~.~ %7 iS ~~- U /~i~/Z,~ /~Z~Nh C~L2 ~.3 ~ 00 -3`l2S ~I ~ f 6 i 7.79 39z~ ~/1.r~a ~ ~iGa~ 9z. ~ z ~91G ~~~~1 a~ Gn~ra~P'¢ '` is z9 39a~ G~o .~l~ ~~ sz ?~t1,uo~ gyp. /l ~~~~~~ i- ~ ~ ~~ .. 3935 ~~ boo . ~ ~jg fro , ', 3 9~0 ~~1~co~~teGu.~- a~~ S o 5,- Zr2Z~rn ; , o.;j~rur` ~ 3~3z ,~ ~ • ~los 2~, ~~ ;, 3933 ~~~~~t ~ ~~ 3-~ ;.. ~ I i i ''rf ~~I//////JJ ~j//~/ ~~.~:I ~ V'Yi ~ Qom// 3/~~0 3939' ,~~~ ~~y~~~ ~'¢ / ~5: o0 ; 3~ ~~. 76 . 3936 ~``1~~~~G'~ • Mfr. ~y `~ 338 ~G ~ ~~~ ~~ ¢ '. SST 3/,~~o ~ _ ,~~~r~P ~~' ~a r ~ ~ ~ 3 quo ~~%~ 8.3 3~ ~ 39w'" ~~ ,E ~Q3 ~m • Gr~~c~ Ca . ~fS,3/ ., ~ 39~ G~1 ~ ~~ ,Z ~o, ~s 1 ~~ ~~{ . 39y3 /,~ ~~~~ r'~o ~ y0.39 ~ ~~~... ~~~ // tfG~~.~~ ? _. _ _ _ _ __3~ ~fZ _ ~ G~ tin.ca _ _ S9.6 ~f ~ " ~ ; _ _ __ _ _ _ __ _ ___ _/j/ _ _ 3 9~s _ ._~~c~uo~ _ ~~' X53, SS 39~~ a~ f321 ~S 3 /ls1~o __ - /,~i~~~ri ~~/S /,~~„~~, --- 3 6S, ~S~ j ~~~~ 3~~1 X19.3/ ` 3~ ~~ ~~ ~y 'a ~- 3s - g ' .~ 3 q ~7 ~ ~e~;~~ S.ol 3/~3 f c~ ~ ~ 3~5?~ ~ % ~ T ~.~~ 3 (r-s7ro ' -395/ C2~'~~ ~ ~~~~ ¢ 7.9 ~ '~ 2!L Z.o/b ~ ~ `~ ~ ~ ! 0 3 ~SZ Qu~~l/~s !6 S. o0 ~~ ~ ~ ~~~la 0 ~ . 9 y/yfl~ ~ v,of~ y~~zlly x .; 3~s8 ~l~u~~~~~ ~ .~~, G~ 39'SS ~~~2~~ ~ ~ /~~ ~~. z7 '~ 39x7 ~!~u~ ~~ ~/oino ~ ®rt/~ s. /S ___ ,~ ~ ~~, s~ o ~' ,~ ,~~~~f--.~~s ~~y-s~ ~ 3qG o `i`t Comte ~, 3 ~O [130%~ 1 t ` 3~G~ Cow. ~ .~,~~n~. .3~Cr• DD ~ ~Z ~,v~ ,~~ a, 9Y~ .~ ~~ o ~~Y ~o~ / "j~ . ~ ~ o : ' S~ 7~i i~~~ /1.15 Cam: _____~ ~3~.s-,. ~s ~y~~o ~ _ 39~~ ,c~~' ~~~ ~ ~z ,, + ~3~~.~ ~ G~i ~'~. ~~ ~~~ ~• z3 i s~ ~ ~9~ ~ G~ ~~is '¢~7..s'z ....,. . ,}. _... ~_ 3 X68 Cam. ~ 1 '~3. ~~/ t z~ ~~ o ' i _ _ ,: ~3~6~ D~w~' ~.~ ~'~ 3s ~ ~ ~. ~~~~~o j ~6~.~~ ~, ~~~~10 // ~O / ~/~ D 111 ~; i I ~ a to /r / ~/~~~~~ ~1~~~n to ~! (o ~~0 ;. ~~~~l~n ~~ ~~ ~~1 £~~lo ;; ASP _~~ ~. _ p~~ 3~ro Tu-~~~u'sfi~f 39~~ H 39~y l~a~~~~r' ~id~o 3973 N~3 ~pT/ ~/6Gl C'~id 3y~8 ~!uz~`~ ~ir~ua~ 3977 ~~L ~A~- 391G f~tiu~oi ~~~ A.6eoc. ,, i _ _. ~, ~~ 7 z/!o ' ~, 7~~/w M ,i ~~~~~o ;. ;1 ~~~Z~lo 113 f to Juc.y pia / ~ G(,.5. __ ~j~J T b0 !i r 7~~y1~ ~i ~+ ~1l s~/d ~~ __-_. ~ ~ wa~~ Ca, 3 ~. o~ ~3/~ 90 ¢~s, ~~ l ,.~s, b0 ~s:.~6 ~~. 7~ iy. 3y t ~~,b0 ~~~ ~~ ~35~ oD ~G~, 2 z a7o.~ 3~, oU .3l• i° ¢D, oaf ~j~~ a7, 36 3979 ~~t mid ~5'~`'~` 39~/ a3t~f~n~o Y~ ~ ~ ~`f 9. `~z 3y~s ~-~n~ac~ f/ealfl ~ ¢`fo.sl 395( " `~ f/os~ ~.Zao, oa 39~ q~ ~~~ "~8vy ,, ~ ~?c!~ 7/Lg~~ n ~~~,n ~3/io ~~ v ~q~iv ,~ ~D~.s~ ~~ Ll,~vr-. ,~~ ~3 ~. %u,G~us T Zolfl :~ ~~~~ ~l ~~~~~ ; ~} :t f ,I _t ~~ ~~~~J f _ __ ~E r i `~' 2~~~ , 'f ._ ~131'l ~ ~~~~f~{` ~~lo :; 8~,~3~/o C + ~~ ~ouae ~, a3 c~ ~~. s ~~ 3v ~ ~ S~ ~i~ a~1 ~%~ . ~ 8.75 3' ~~ ~~ t, ~~ ~~ 3,..s~ . • ~ ~~/ C~Qa~c. ~d~~~t ~ ~o, ~z 39~S~f ~` ~u~re~> p~.3Z 3~~$ ,~,~ca~c /~14x,~f~ ~~, ~~ ~-~/ _ _ o 3997 ~kc~ ~jt~'~aru"ee SGy f boo/ %~d~ ~~ 7 z, z z 390 ~.~~;~~¢ ~~~ 7, s7 f ~f FoO ill? ~a~ ~l ~~ S• o S .~9~~ ~~C ~~~~:~,~ Danl.` _ ~7o s 33 3~~y ,~~iZon Gt1~i~~e 3~0•7~ X007 ~~L ~~~.9~ `~ooL --, /~~~. ~6, y~ do ~~u ~i"~ ~~ ~3- ~° yoo~ ~,i~ die /~, y~ _~{~3_ __ ~ ~ G~ ~ r~~~ .~~d ~{ 6 ~'~~ ~~~ ~ ~~ ° yDbB ~~'~~i _ ~;~' _ ¢..~. ~'~' o ~ ~~, G. ;,~s~ gip; o0 SST 20/0 9~~ f ~o y~9~io ~ : .; ~ ~3.aa ~r~%.r-~ ~~ 38 ~~~3/~° ~~1~/~n ;, ~~ :; . 1 q is w 1 :} i it 9~1~/iv --- i ~~ ~~ y/~~~o __ 9~Z /~ ~ ~ 1 1 ,, ~~ ~, :; G~ . ~~ 7~; s~~ /y ~, ~~ ______ /~/~P t ~~oa ~. /fir. Gda•~. ~'o . _____ ~{oi~ 6~ ~ X3/./7 /z..oz D•~ ~'7~ 09 ~D/~ uG~ //~.(~ d/dZZ D,~~nyaC~2 l,El~'/k ~` ~/~ - i~'~iN~ SOLO G~, . ~~~~~ ~ `~-3 ya/y ~ ~ _ /~~~~ ~ %3. ~7 4<0~~ ~~~~ __ log ~~ __. 0~3 y ~~ ~ ~ a~~: q2 yo~~ ~~~~~ ~~~ ~- ,~QO a~~ ~ ~ fD/~ « t~ ~i5~~ ~.3 p ~ ~DZ~ u7 v~ ~GU~ ~~DO, y~-- ~ozs ~~,~~ ~~~~ ~__ ~s.~, si ~oa~ ~ % f T °`~fD~ ~' ~DZ~ " __ __ _ ~ __ _ ~ ' OV . _._._ ~ _ ~o ~~' ~ ~77a. ~.3 /~ i ,, ~~~~/~~ l ~~~~o _~,,y ~ ,~..~ ~~~. ~d~~ ~a~~ ~aZy ~~~ ~~~~ ~~ . i~;~ ~ ~. ~~ 3.f ~ ~, d33 fi /, ~~` ~~ ~6, ~o 3~ °a S o8 ~~0. ~~' ;; ~%~ o , /%~o o! D• ~ 7 ~(` , ~~~3 . /VO ~!~ /1~ ~C-~ _ o2~~d. r ~~ ,~ ' i }i ~~ lo;.Z/r t t ~~ ~r~i ~~ ~. rr~,3 gyp:: l{..5. ~ ~~ 3S~vo ~~~~ ~~~9 ~~ 1 w ~, ;: ~4 ,'. F :~ ~i _.____ ,I : j o .hls ~~oo.Qo 5'n3q /11~~-~ru~ ~ ~~ ~z f/Z !vi ss ~ L7, 0 7 X03 8 gem ~,at' ~ 2s"'- ?,Z Ora ~o ~ i~wli~ ~ ~. 3 70, vo ~~ c~L1f~1KL ~~~ 3 ~ 00 ~n~f 0,31 ~Cu~.~slivhcc 70, 7/4./y~ ~J. // ., ~ i I .I ii t~ i I I O ~ O~ ~0~ l ~ ~~ ~~~ ~° ~ t ~~ I ~~ t ~i/~/~ ~~ ,; y ;~ ~~ ~0 7S' ~~~ ~~3~' ~~ 4'~y~f ~~/s boo-~ Y~ ~~ ~~~ ,~, ~a ~0 7/ 4~2'~h~~o ~~ ~~ ~~3, 33 o ~d ~l ~~ ¢3 3 ~7• ~ 7 yo ~z /~' ,~~'. Gin. 3~ 2yo. Y~ ~~~D ~ ~~~~zea ¢/D, SS ~~~ `~~ ~9 ~ Ts` T ~~, ov ~~~~ • , ~0 7a ~~. ~`~a.1~ ~~ 7~ Q/~ ~!~d/jlOr i~ONC ~~ cP~ Z ~~ ,~~~t~B~ ao~o - ~ ~~ ~a/6~i D , , / 1/~~ro /a~~l o ~'; ,, ~ ~ ~1~0 %~,~~ D~ 3~ ~~~~/o ,~/~/o /~~3~/0 ~L/ZZ/~~ C`~ , aD,, ~0.7. Y6 ..~.._- ~~/~/~, ~~ ~; l~18~ ~c .~ l~~ci } ~ ~13.20~1 ~Z~c ~ ~; ~!~ /t z171~~ ~~~~ ~~~. ~{o F 8 C~ C~~ ~7, ~o.~, o0 ~b ~D ~~g~ ~o~ opp , eo ~d ,~'~ G,~o~~~a ~ ~°~ moo ..-~ yp ~'~' ~J~JL X331 9Y o ~6 ~6y~~d~ /G z. ~o ~~~ ~D 9Z ~b~ DOD,op Low ~{o9f~ ~f}~ ~d 'fd96 /~~!/'-to/~~p ___- ~oq~l 3y~~o a, 7~ T ~/ ~~~~. ~~ %~f5; a~ yb y~ ~ceaP ~,~. ¢~~D, o0 ~3 ~' ~ ~ ~ ~~~ l~1•dy?lif~ X10/l .e~`' , ¢~ ~~~1/ ~:~~s .S. o0 ~'~~ ~ Gam' X16, 3l~ 64 ~~-~ ~~~r ~~/Y~// : ~0 3 ~. ...Z, ODD. 00 `/~/ /~/ ; . /o y ~35~, oa / i1~/l j ldS" rG, ~7~. zS ~/6 /~i ~ a /4 7 ~~~Z~D ~ u ~3, ia;S; 00 i I ~~~' / .G .2 ~i~ ~ GL(/~~ X k?~X ?~kXX X7~KX 767 G64 (/ GC ~G~J~~G~q ~~Z~C4~ d~ ~l~'~~~~~~uy o~0~0 7~lLG~J~ ~~~~^e~~ v~0~~ p v ~ '~ . ~ ,~~ ~sL!/0 ate s'~~i0 G~uctU /,s~v,~:~~ ~ ~ ~°~ pus ~~ ~ X59,35 i , ~~as~/~ 9 ~ ~ ~I~3~/O i?~z ~ie~/,G~~~!~l~il~l~70.07 f ~/8'~0 G~l/S ~~~G~~ ~o, 99 ~o G'G~ ~~~~`~~ ~o~" ~ ~ ~r ~ ~ ~ ~ ~ vim ~~~1. ~~ 3~3 !p ~/ri ~~/~ 3 /~~ ~/a~ ~, ~.~ a~ y~/ ~v ,~~~ f~/9 I !D ia~ ~~o ~'_ ~ ~, f ~~~,~~o ~~ ~~~6~~° ~~~'u~c~zo" /~a~v leo,sz ~2ac~ 1~~~ ~3n,66 ~~~~ ~/0 9, 99 ~~ ~j~ X33.9.7 70, o0 ill ~ ~y fo70.Do ~5~z? _ ~'ruu~ ~~ s3 9z ~S ~~ ~lZc~v. i~ o/ ~~,~tcG~~_ i~~ 30,00 S,~jT~ ,~~~u~a ~~o ~33.9~ Gos 4J~~ '°-~ ~37y/ Go%r~ .'~C~i2~y, 0~7~ ~73.SB ~5/~, ~GUUO ~~io ~.~3.9,~ ~e~~~~~ ~~ ~ ;~ ~~ ~s ~,~'~ ~i~.~~ ~ ~~uua ~33.9Z ~~ SUcuco ~~ ~3 3.9.7 Si~ ~r~tuco Lfl~o ~33.9~ ~~ ~;~,o ,, . ~~C',owjr~ l~lSi¢ ~~ 3 p~~~~ ~' w~ G~ a~ a ~~~~~c.~• ~ ~~~CU~ j ~~ ~~ ~ -- ~ r,. ~' i i~~ ,j ~{ ~~,~.1 y f ~~~~~ _ _ ,} _~~ 8 = 73. Groza ~' ~~%CY fi ~ ..._ .:~ ~ ~a l ~f ~ ~• 1, I ,j i :y ;ii !i 'I r; I , r. __ i i ~_ . .~ ,~ ;I 11 ;~ ~i ~~ i~ 1} ~~ i ;I i ~ ; ~~~ s2s ~s~c~- ~~ c~~ ~ ~ ~~ ~~~ _~~ie .i au dv~L~e~,~%r~rtz~ ~i~ GR%~zr4.GJ~,~gr ~rta~/~uf /,~,~ ,vim a..rf n~e~~..~, ate., ~/~mf,~iKe ~U ~i ~---~ ~~~~~ ~ ,~o ~f1~ ~~~ 3, ~'7/. 09 ~~~ ~J G'~~rlr1 ~ ~~u~ a~~ -- ~~, ,~Olo i ,/~p/l / ~ / %~ G~ ~~ / V ar~a~ ~'!~~ _h~, I7a1~ ~~ « ~~ ~~ ~ ~o,oo j ;~ ~~ ~~,~~ ,_ _ y ~~ __ ~ ~ ~~y~~~ ~` ~ Y ~~GZ~ / ~zY~C ~~ ~ ~fL ~~ ~/9 r~ ~~~ ~ ~~2~0 . 3 .~• ~~ /o f ~ } /Z ~ ~~~~ ~~ s7/,Z _• ~ ~~~~ ~~ t / ~ ~~ /~~2~a/yJ _ _._ ~ g i. I ~~ « ~~ ~3.G3 t , it ~, /~" ~~ ~~ ~~~,~ __ _. _ i l~.. ~ ~' ~ `/ ` ~G a ; ~ -- /~ s2s ~l~S/~C-- Gar ~~-~. /~~ ~ ., ,~2 z 7a~c 73, as ~p l! d0 Z Z ~~ ~ ( " his `` ~6 z,s~ ~~.~ ~ ~o ,~ ~ ~ ~ ~, o0 ,. S ~ ~~ ~5`~- ~~ ,~ ~ ~ ~ ~~ ~ ~' h ~~~~'~ /~~ f ~ ~~~ ~ t~~ + ,~ ft9~~ ,~ « <- ~, ~~ ~~5- ~ a~ ~~~~ ~~ ~y3. ~s ~/ j f~ `~ SS, 7 y~.~ C'a~ra~'~aa, `r~ ~ 1 1y1~ D, v. /,~lrL~ . ~~~ i , 1~~i 3T, DD i ~o f~• :~ ~, ~ . ~ 9/~ ~~~ « % `' ~ z~ 9~9 ~` ,, ~, ~/lam ~~ 3~ z/ ii ~~~ ~~ 1~~ __ ~_~ f~ _ _ ~'~ ~~ - ~ ~~GtZ ~~~lZ~ ~~~1 ~~'~ ~6 7. lZ ;y~~ I~'~ ~ ,~ ~~~~~ t~~ 79. ~o ~~/~~ , ~' :~~ ~i ~6~. ~9 'f tl / ,; ; ~` ~ ,4 ~ ~ ~ ~~ y a Gri ~ ~ ~ ~,f: ~~ ~ ~ X33, S/ y/z~ ~ ~ ~/ ~ , P .~ ~/~, ~~l/C~~o _ 33.9 ~~~ ~ ~~~~ to ;, ~ ~ ~ ~~ ~ /0 3 ~~~~ ~~ ~~ ~~ ~ 7T .~ ', ' ~ ~~~' ~ G'~~~ ~~~ lea, ~.~' ~~~/3 ~~ ~0~3 i i ~ _, %- '~ ._._ 7 ~, ~ ~ ~~ ~ .. ~~ y ~~~ ~~ ~~. ~~ ~~ / ~~......__ ~ i i~~o ~f. ~ kd~~ i ~ ~ -- /,~ S.~s ~S,,QC'-mil Ci~..O ,~~~ ~ ~c.~ ~ ~~ lam, ~~~~ ~~~. z~ ~, ~ ~ ~ ~~'% ~ . ~°~6 ~- ~~~3p `~~~ "' ~ <, y7oi ~ a ~ ~;/o~l~ G/~D~l~2z~' ~l/, z/ (i ,. ~ lp~p ,~~~~~~ i~ 73.7.E !~ ~ _ G~ .r y; D .! ~~~ } - it ~ - ~8 ~~o ~3 ~~~~ ~~~~~~~ i ~` ~~; ~~ 08; y ;~/a~- ~!~Z~ ~.~ 377. a7 i~ o ~ ~ GPI ~a~a~ ~ ?, ~~~• ~~ I o ~d~inao ~ ~. %~ ~ ~ 9, ~6 ~ /a~~b ~ ~ 369 (~S ~~~ U ~i~17 Gt~~~e /fi ~~ ~i ((Jtp i /~ ~/ ~ ~ ~roa~ ~is _ ~~.do ,~ to a ~" ~~~~~ ~'~ l' ., { / H ~~/~/a~ oS {~~~ ~~ .~; ~o ~d~~~ ~S i _ ~~~ s- ~~~ ~ ~ - ~~s SRs ~s,~c_~ ~~o_ ~~' ~ ~ / <~ ~~i ~; / ~ ~ ~~ G~ ~ / r // (~S' ~ r( ' 4r 7, 00 ~~ ~ r~~lv G~~ ~ G'z~o ~~ ~~~ 63 l . ~ ~~~~ ~ ~ ~ ~7 4 ~~/~ ~~~ ~~~~', S~ ~~.~ ~' // l i~G~~ZI ~'~~ !! v~~ . f D ~~ !~ ~i ~ x•39 9 ~~~ ~~~ ,~ !! r ~ ~, .~a~t~~~~ ,mil ~/a~. Z~ _ l ~~~ -~~~,~~'CG ~ ~~~Z ~~, ~, . ~ ~ ~~ ~~~.3z r~ ~,~' ~ /~~ Via., tt ~~ .,, ~ ~ ~~ ~, ------- +, ~ ,~ /!~ , !, « gip. (PD ~~ .,~ ~, . ~~~, o v __ r~ ~~ J ,, ~~~, ~o ~~ it/a/ J~D/I~ r ~ ~~ i - /SIB ~~Zs NSv~~ -~~l CAD. ~~ ~ ~i ---~; //~~/fir ,~- ~-,~ ~`~ ~, ~a~ ~ ~~~ ~ ~~-~/z,~ ~~ z~/,. /6o,9~S' l/~~~~~ ~~ ~ ~+ l T ~~ ~ ~ 7~ ~ ~ ~ <. ~~5, ~~ ~/18 ,~v~~~s~=~ f ., // l8 ~ Mks ~ %~~, ry~~uw ~f G/, D6 ~I `/ ~~ ~ /, 536, f~~ R ~~~ . ~j~s ~~ ,~~/~ 1~riza~t G~G~'~~, ~. .~ ~3- S/ ~~ ~2~, /S 102~~ ~ ~ ~ ~ molls ~~ gyp' ~`~ +~~ l~~ `~ r ~; i ~ ~~ lp Z.3 ~! ~ Gl/._ - _ -.. _ _. __ . _ - ~ Z~ ~ ~ ~ ~~~ s~ ~~ ~~~ 3 ~.~~ ~~ '' ~ ~z, 3g ,~ . X71. 4~/ ~/a- ~~'~~~ ~~ /~ ~, ~6~ a~ ~ ~ ao ~2 +, _ ~ ~_ ~~ lo(f.. 38 ~~~ ~ ~ '11 ~4,, ~. ~ ,~ ~-~ , ,~~ ~~'~'~% ~ /59 Gs a G~ ,+ ,- -- This is to answer all the questions as best I can. The distribution of the Ameriprise Account to the best of my knowledge was distributed in full. l know that I received all my payments in full. I was told by Belinda and Tony that they were going to open an account with Ameriprise. I do not know this for a fact but if they did the money would have been deposited directly into their account as mine was_ I had no control of these moneys. My wife and 1 started out paying for a considerable amount of the financial responsibility for care of my father. I left my job due to a cut back in work force. This decreased the amount of income to the household. My sister Cindy and Belinda told me to let dad help with the expenses. At a point this happened because we could not keep up with the expense. We allowed my father almost anything he wanted. I did draw the line when he wanted to buy a new car and a pistol. My father knew exactly when his card was being used and was with me whenever I was writing out the checks. He was fully aware of what his money was being used for. To address the charges after his death some of the money was used for the dinner after the memorial in which everyone was present. Other costs were for the restoration of our house to a livable environment. My wife and 1 also had exams to make sure we had not contracted the Mursa virus which we were in contact with and dealt with for a long time. It would have been nice if I could have invested the money from the sate of the house but dad knew the money was there and was determined to spend it on whatever he wanted. We figured it was his money let him enjoy it. Thankfully we were able to take care of him so he did not have to waste it in a nursing home. His money was used for the food he chose, no matter what it was or what we had to go through to get it. There were many cartoons of cigs, many garment changes that at times everything had to be thrown away. Dad enjoyed going out and buying clothes for himself. We had to have numerous changes in bed linens that may have to be changed in a moments notice and at times they were thrown away also which meant more had to be bought. If dad wanted to go out for dinner we went out and took whomever he wanted to take and paid for the bill. Payment for his meds was another large expense. Gas for the unending doctor visits and trips to the diner added up quickly. Dad also Piked to show his gratitude to the nursing staff and the physical therapist at the hospitals and the rehab facilities. Dad did what he wanted with his money and know were it all went. .~/ 3 li ~ f ~~ ~ ~ ~ ~ ~ ~d` d~Z , ?9 ~~ saQ¢ ~i~uae -- ~ZD~ o G~.t ~rti, ~~,~/ ~~ ~ i~~2oo 9 ~' ~,~~i~ fo 9 ~!'-i~ s l 00 ;; ~~ .. fi fi ~~' r/l~li~ -- 3. s 36, mov. ~p ~z, eaa e~ ~i1 ~, ,~ ~ ,~ joo. ~ l Dads Cam ~''~ ~ ~~~~ y~ ', Z ~~~ r~~'.~ j~~- `~~~ ~'/ Z' ~- ,~p~ 795. a~ ,~ ~/iv .. ~~ l ~ '~~ ~ D` -; y/i~/~~ ,~1,jyl L'~~-ta/ u~,~Zst a ~ ,, ~ io dog, ~~ ~~ 3i 7 ~3 -',~~ vµa~ rho '~ fu,,,~,i. (~ !, !t/1~1o ~ ~~! 7i L~03. °n ----~ ~y1'~~~ 1 ~h-, ~ hl~~`-(~' ~,~• - / ,I / ~ ~. ~, Z 7//0 ?~. 3 l ''' ~~~ ~. ,{~aaa ~~ ~ ~ ~ ., li ~1 ~~ ~ 7 2 I : / l ii` / ,; ~ / o ~: ~~ ~ . ~aD~o o ~/ .,~ ~~/so ~~/~ 7~,e~~s~cTio ~s ; ,e~a~ed~ho~. ~ef~~~ee~ ~~ = 7 , ~/Z, 29 ~~ ~ ~~ ~~, ~ ~4 ~~. ~~ ~.~' ~;cce~l ,~o i~~ dZo~ ~ov9 /~~~9 X-~u~f ~ boa-°D ,~ ~ ~~~ ~~.~ ~~~y ~ a~ ~''' i~%~~ iii 1~c i~°r~tae~ c~~ ~ G~~~J. .~ 'I ! /~ 0 ~~ ;' ~a3~A ~~ '; ola /o ~~'~ i ~ ~~, y/~T~~~ ~~ 1, ,,~. -(Dais ~~~"~def~ roo,o0 U ~o</' ,s~~ ~ /fib ,G~ „v,.~ ~~ 7~e ~v ch ~. 79~ . ~3 ~~o• w~co ~o ~ C~~ o ~, fe /'/,~~~~?~J ~S~ OHO • s o / ~ G!/Lll/KZy~~ v4s'!7~ ~y. rte CO /~d~//LL~ i~'~~lGIG /v~GO ~iIL l2G~/h ~R~o~.~% ~lYl`~~ v~~~~~ ~~1 ~ ~~, 3rd ~~ ~~o - ~ ,r~u~u v~v,QG ~~~ ~ fiYLm/u,.n /sf 3 2Ya ~ (~ ~b t~ ~~.. ~ risk" /fit ~ ~ ~ :~ i, ~~. ~,. ~~7 Zo/a ~a/~/~~o /~ Zoo ~~ ,. l a IZo~/v „~ :~ f 1 ! ` ~!/ ,, ;; ~~ ~ . /yro~ o.GCPL ~3, 000, e0 (~,u ld~ e~. d/ ~ic,~ act G~YJ (ltd ~~, `/d3. ~° (~. ~ cco ~~e~v ,A~~ ~r~ ~~r~~ ~ ~r~s~J ~, ~L. ~D~ 000• °O 0 /~~ %D~dOD.oc Glt¢ ~/o~i~ G~tryr~ ~/D,000.oo ~~Y~su ~/ ~. ,~. ~ ~~ ~d ~ ~~ 6~//. 33 - ~. _~ /)fQA% h'7 i ~try~ ~~t~) U~S ~~~. i ~, i n /_ i ~, ~ ,~ ~~ ~ ~SB/'1 4cS~~~ ~ OOD- 00 /h'1 ~ ~'J ~%1l~! Oa//~G2.~D7~~,/ ~~~ /y/~ ~ ,~ ~.~. ~~~~~~~ ~ ~~ ~ ~~~ ~~ ~ ~~ zs~~. ~, ,; ~: ~~. ~ a.~ry ~~~~ ~ii ~irm~u~ d ~i /1~, /3~ ~ 6s~tr.~ uyc ,vnew~mf ffufi~+~bauae ~~~rr, Cu~~ orb dad waa,rm~~f ~~ p ~6 !/o, ~6./~tae~nff/ t ~ ~~~~ CHARLES E. SHIELDS, III ATTORNEY-AT-LAW 6 CLOUSER ROAD Corner of Trindle and Clouser Roads MECHANICSBURG, PA 17055 GEORGE M.HOUCK (1912-1991) Samuel L. Andes Attorney At Law 525 North 12t" Street PO Box 168 Lemoyne, PA 17043 Via Fax: (717) 761-1435 Dear Sam: TELEPHONE (717) 766-0209 FAX (717) 795-7473 June 22, 201 Z Re: Robert L. Young, Sr. Estate I am pretty sure I already mentioned this in conversation quite some time ago. However, to make sure you are aware of everything regarding the Young Estate, I have $2,410.91 in my escrow account which was deposited on April 2, 2012. This was originally designed to be a cushion for any unexpected bills and other incidentals, and any additional attorney's fees. It was planned to be disbursed with the usual Receipt and Releases with the usual refunding paragraph once we got a final clearance letter from Revenue. Obviously, given the current situation, that was not done. Also, I am still organizing and double-checking things. It appears the auditor at Revenue did not pick up the discrepancy in the funeral deduction so I will need to correct that on the Supplemental Return when we file it. If I can think of anything else as I go through more of this I will let you know. Thank you. CES/mjj Enclosure cc: Robert Young, Jr. Very truly yours, Charles E. Shields, III Attorney-At-Law /~' SAMUEL L. ANDES ATTORNEY AT LA'W'' a2s xoRrx T.FTx sTRES~ 7p o. sax i~a 1swlLlxO ADDBHSS: LSDdOYI3E. PENNSYLVI-NIA 17043 THLB1PUOl~It (717) 7tfl•DS>61 P. O. 8070 lA8 L737~[OYNB. 1PO 1704,7 -0198 7PAX .H•IdJIIL: LawAt+des0~•rom 7 August 2012 <717) 791•l4as Charles E. Shields, III, Esquire 6 Clouser Road Mechanicsburg, PA 17055 RE: Young Estate Dear Charlie: My clients have reviewed the information you sent us and, quite honestly, find it more confusing than what your client had provided before. There are still many questions unanswered. For example, we cannot find any entry in the documents you sent me for the proceeds of the disposition of Robert Senior's automobile. My client believes that it was not sold but was traded in on a new vehicle that your client purchased for his wife. Regardless of how he disposed of it, we need to be certain that its value is included in the assets available for distribution. There are some other unexplained absence, such as a income tax refund far approximately $181.00 which does not, as far as we can tell, appear in the assets that your client distributed. I have reviewed the credit card records you sent me and found some expenses which I simply cannot believe were legitimately incurred for Robert Senior. It appears rather obvious that your client was using the credit card for the benefit of himself and his family and did not limit the changes on the card for items for his father. That is the case despite the fact that he used his father's funds to pay, in full each month, the credit card balance. Without going into great detail, I can provide you with the following examples of expenditures which we simply do not believe were for the benefit of Robert Senior: I . Purchases of beads and beading supplies made in September of 2010 for $341.11. Similar expenses were made in October of that year for $948.61. In addition, your client purchased cording for his bead business in October of 2010 for another $272.55. As far as we are aware, the father was not involved in the beading business or activities and all of this money was spent for the benefit of your client. 2i Charles E. Shields, III, Esquire 2 7 August 2012 2. In September of 2010 your client took a trip to Georgia where he and his wife apparently have purchased a second home. The total expenditures on that trip in Virginia, North Carolina, and Georgia, exceeded $795.00. Again, the father did not go to Georgia, did not own an interest in the house there, and appears to have benefitted nothing from these expenditures, although he paid for them. 3. There is a consistent pattern of purchases at the Pennsylvania Wine & Spirit stores throughout the use of the credit card by your client. Those expenditures average approximately $150.00 per month. My client tells me that her father did not drink much and we doubt that these purchases were for his consumption. That is supported by the fact that the charges to the liquor store continued far a few months after the father's death, again by your client's use of the credit card. VVe simply do not believe that these purchases were for the benefit of Robert Senior. 4. There were two substantial payments made to Members 1 ~ Federal Credit Union from the father's bank account. The first of those, on 8 October 2010, was for $2,000.00. The secand one, the day after his death, was for $3,240.19. 1VIy client is not aware that her father owed any debt to Members I n and we need an explanation of those expenditures. 5. There are numerous payments to contractors, lumber yards, and other companies which we believe were related to improvements that your client made to his home. Vie understand some improvements may have been necessary when his father moved in, but we do not believe that installing central air conditioning and extensive remodeling, much of which occurred after the father's death, is justified. We need a specific accounting from your client of what improvements or repairs were made to his home from the date his father moved into the house and until he completed those repairs and we need to know exactly what he spent for those. I will be interested to see how he justifes those kinds of expenses. These are only some examples which 1 was able to pick out quickly from the documents you sent me. A detailed review of the use your client made of his father's credit card and his bank account wilt, I am quite confident, show an even broader pattern of your client spending his father's money for your client's personal benefit. the listing of payments that your client made does not explain the purpose for those expenditures and we are going to 2 2.~ Cl~firles 1::. Shields, i I I. Iasc}uire 3 7 Avgust ?{} } ha~r~ tt~ hear from loin, in much snore dtt~iI, hour hip tr~tlier betaefitted ['rim tl~e cxpc;nscs he listed. l:~e~~~ond alt of that, them i:~ any element of (liis that disturbs me e~3en more, Yc~ttr client continued to use his l'ather's crtclit card fcar a l'utl mt?nth aher leis lathers death. Il+e leas explained that 11e charged ~~7~.?~a f'ar a family meal at the {Jlivc Carden and that lie ~lzarged that on his ;tath~r's eredii card. l-le has nc~t, hQ~vever, offered any explanatien as t~~ the ether clear;=L~ h~ made an thy: card. 'I~l~asc ehar~es neluc~c, a:~ Hated above, cc~tatinued ~urcl~ases at tl~e licfuor store, "Fl~e~~ a:t4c~ inctude numerous ~a~rehases of bead. and beading sE~pplc~s and manor otltc~r expenditures ~~>hi~h need ex~[~lnatnn. It is simply impossibte for me tc~ understand how i~abert Yaun~ Sr, bene#itt~;d from Robert. Young. Jr.'s purcllasc:s on the: card after the l'~~ther's death. I enclose ~ list ot'tttc~se expenses ar~d l Took f't~r~~rard to your- client explaining, in reasonable dctail,1~that each of these expenditures «=ere for (such as, ~~rha seas preseni far the meals. char~~d, ~~tho consumed thc:~ f,~Ic:rahc~I and whca used the beading anti hobby strppli~s) for e~~eh of these expenditures. l3e~fond the fact that your client may l7~Ye committed. a crime, or at least a vioiatitan af'the contract ~~rith the credit card carnpan}~, by cnntin~rY~g tc~ use the credit card after his (att~er's death, we need an explaraatinn cal tivhat these cxptrnditures ~~~ere for. t «~ill Give ~rt~ur client a reasonable length of time to proLa~ide us with a detailed exptalaticm of the fu.ncis l}e admits expending from his father's ehc~t~lir~g account and the charges he made on his father's credit card. fron3 the date. his father cane to 1i~~e ~.~~ith hiin until the present. Il•you can give nee tl~ai detailed e~plrnation within thirty {34) days, will revic:~v it with my client and perhaps rve carp rest~lvtr these matters. l f i do not have tl~~rt explanation within thirty (3t}~ ct~~=~, I ~ztiYl have no choice bt~t to life a petition «tilh the crsurt to compel y€~ur client to file a iennal acr~o~rr7ting. l~veryone «•~ouiti like to a~~oid th~rt, r~~~r client anti I included. PleuSC spc~ik ~vitl~ your client and get bricl: to me as soon as ~-c}u can ~ti~ith these explanations. 5inc;ert;ly Samuel t:, ~t~des amh 11n~tc~sure cc: ~1~. Belinda Y. RaseIli 2Z/ C.,... ~/~JC~~ `~D ~i9~S"' Cr~i f ~/~<2 t ~~/1~~~1~`J d Gtr 11/15/2010 ZEM~N 1APANESE CRUISINE $72,40 11/16/2010 A.BRIGGS PASSPORT & WASH DC $269.00 11/17/2010 AC MOORE $25.00 11/17/2010 WINE & SPIRITS $82.60 11/17/2010 THE HOME DEPOT $244,gg 11/18/2010 AC MOORE $10.60 11/18/2010 THE OLIVE GARDEN $575.29 11/18/2020 ELEMENTS THERAPEUTIC $168.00 11/19/2010 THE POTOMAC BEAD COMPANY $47.40 11/21/2010 THE HOME DEPOT $503.50 11/22 j2010 TARGET $2,382.86 11/22/2010 WINE & SPIRITS $27.54 11/22/2010 THE HOME DEPOT 531.76 11/23/2010 TARGET $119.46 1ij23/2010 GIANT FUEL $89.48 11/24/2010 WALMART $160.98 11/24/2010 THE POTOMAC BEAD COMPANY $86.01 11/26/2010 GIANT FUEL $36.51 11/27/2010 WINE & SPIRITS $72.04 11/28/2010 LOWES $45.00 11/28/2010 WINE & SPIRITS $25.00 11/Z8/2010 DICKS SPORTING GOODS $461.00 11/30/2010 TARGET $1,536.00 11/30/2010 WINE & SPIRITS $165.00 11/30/2010 VERIZON $243.50 12/2/2010 TARGET $122.10 12/2/2010 KOHL'S $19.40 12/2/2010 WINE & SPIRITS $211.80 12/3/2010 SHERWIN WILLIAMS $106.20 12/3/2010 BEDFORD STREET ANTIQUE $57.20 12/3/2010 MICHAELS $56.40 12/3/2010 THE POTOMAC BEAD COMPANY $172.30 12/4/2010 GIANT FOOD $71.40 12/4/2010 GIANT FUEL $67.00 12/4/2010 Al PARTY RENT Alt $20.60 12/4/2010 SHERWIN WILLIAMS $64.30 12/4/2010 JOHN GROS5 & COMPANY $59.10 12/4/2010 THE POTOMAC BEAD COMPANY $133.80 12/17/2010 FIRE MOUNTAIN GEMS INC $76.60 $8,719.02 THE OLIVE GARDEN (Group Meal Dadj- $575.29 $8,143.73 2Z~-- CHARLES E. SHIELDS, III ATTORNEY-AT-IAW GORGE M. HOUCK (1912-1991) P 0 ~X /~ o~m~~t, ~~ /705'3 6 CLOUSER ROAD Corner of Trindle and Clouser Roads MECHANICSBURG, PA 17055 TELEPHONE (717) 766-Q2A9 aO ~~~ FAX (717) 795-7473 ~: ~r~ ~ ~~: a .fta~l~~ ~iowuo axd ~Y/;~'~a~isKo ~ ~~~ ee: mod , ~i,. L~ ~~~ :~ 5.~.~+sv~x:. L. ~%~.xn~s ATi'ORIvE'f h'i' LASS ~::', *iOTtTfi T'Ti'FiLI'TII S'IIIi:l~T is o. nox Tats ~tATT.1:;p A75A}Jtiti!s' 1.1+:!~iC~xN~. P~N2v8Si3,Vh:'\TIA 170~'L:i T'. Gl• T1U:C fQCI LL~tC1Y~T:. t'A IT'CY<l;i-i71tlt) T:•1+LATL: t..,w,~~niir~s~nul.c~um yg t1t.1~rr, 11.St ~~ ~'liarles 1. Shields, tli, Esquire 6 C'IouS~r load >fecllanic5burg, P~ 1705 l~~~lr C`l~~lrlie. Tz:Y.xr7xo~,rr: (7173 ~t3t-:3~t31 rax; '1'l~e questians l raised it1 rn~t last later mere only cxamplcs of"prabletns ~Fe have ~~.ith ths~ intc~rmaton .your client has provided to date. If :h~ ~~ns~r~rs tl~nsc and my clients end I rev~e~.~ tl~~ documents main, there are certain to be more ques€ions. ~~~~~ e~:tt~r ~~fas not intended to be a car~~iprehensi~~e or exhaustive list r~four problems with his actions. l honestly think the onl}r ~v~y to da this is for l~itn to actualey file t~~vo accounts. The lust oni sktould account for his actions cinder the Power of Attorney. 1-1e would list the fund or ~~ssts he first. received, all of the incoln~ ~3nd other funds he re~eivcd r~~t~ilc lip I'unctaned under the i'U.~ and a List of Expenditures hu mrYd~:, 'Glee second account ~~rould be to account for his actia~ns as the personae. rc;prescntati~J~ ot'tlle estate. Alain, it wooed start urith a list of the as:~ets he rc;ceived, any income or other fim~s he received during tl~c administration Qf the a :state, ala t~planatic~n aI' ~r~~hat he recci~fc~d ~vlcen the assets M=ere liquidat~:d or transferred, and a list of all of tltr e:xptii~ses he paid. Many of the eYpc;nsc:s 17e p43d have not eleen e~plainc~d and.. as [ raised in nay last letter, sat~tc cif them appear to be for Iris bLnefit and not for the benefit of -:his father. Far that reason, ~~hc:il l~c~ lists the expenses he paid, e1e is going; t© hive to ~explatt arly cif those wl~icli ~~~ere clearly nr~t .spt;l~t for his father, (~111t~ 11~11~St~V, it shUUld not b~; a terribly camplicatr~d task and it is one l1e is obligated to pc~rtort~ta a5 the fiduciary, first ot'his father tivhile his father ~~las ali~je and second as the persona[ rtpr~~ent~ltive of the estatz. 1 do «at cv€tnt to Dave tip .involve tltc~ court in this but, if your client cannot pro~~ide an adequate e~petlnatnn ol'~~Jhat happened to these assets l tnay have no cltoicc hot. to petiticm the court to require hint to file an account, both as personal representative and as thc1'C)~. Pl-ease help hin~ pr~~ar~ these accounts and let nee l;n~;v when you have-them so eve can take this to the neht la~,ical stir. Sincerely, Samuce 1:.. ~1nd~:s alnh cc: -v15. Belinda '~. Ctoselli 7 2 `7` CHARLES E. SHIELDS, III ATTORNEY-AT-LA6V GEORGE M. HOUCK (19I2-1y91) ,~ ~.~ ~d. 6 CLOUSER ROAD Cv»ter of Trirrdle «nd Clouser Rvctds MECHANIC5BURG. PA 17U55 ~~ ~~~ .2t1.~ ~X 7~ ~ ~' / 4l ~ s TELEPHONE (717) 766-0209 FAX (717) 795-7473 ~~~: z9 f ia~z " ~ a ~~ w~ tae ,.,~~t~,a~~P .~. a~r~/~ .rp ~v om a~us~e ~ws/~~~ `"(E G~ %~~ i~wn ~N i d~ QK~r'~~~~ Mme ow<l~ur-~ ~jla4~JZ ~9s/ Ctu lt.C~~ rJ4/.+e s2 Diu-rL ~~ o ~,~ / ~~ .. ~ z.. ~~+,I~i~~L L. ~,~'DE5 s~~'TOi?N1Y .AT I.A'N' i`d.s f~t7}?T2i T'ti7FLFTIi STIrt'Y.1:1' !? i7. pox laf3 Ml4li:i?+~(3 aI}DRIT.SS' t.i::;iC71'`ili, PF..:~'3~ s~':i.tir1':tiI:A Iy0~13 TI>2:FPIigtiF'. f~'t!. IIf~~ 1e3t1 :7fT~ Till-5:111! Lf;MOT2~L', NA 170~i:3-Oftlfl ~'bX i:-aiAff:.f.ea~s:Andeai'laalcvm 7 September ?O I {71TY 7i1l-11~lS Ch~3rles ~. Shields, I lI, ~~c~uirc; ~i Clouser R©ad Mechanicsburg, PA I7Q~~ RE. Robert I. ~i~~~~r~#, .S'r. strrtcr Dear Charlie: Thant: you for your l~:tter cif 30 August ?017.. I apprecGttc your efforts, but tl~e~- are far short of what eve need. ~s I t~lcl you in my letter of 29 ~ltigust ?O l?, the yue~tions eve ha~re raised tc°~ elate ~~re nnl}~ examples ol~the concerns eve have. M}~ client. and l believe: thatz ~~vitlj more in'i'czrmaton, lve urill lave tar t~1~~re questions. The only ~~ra~. t« approach this. is, in ~r~y c~pinic~n at Icast, for ylour client tc~ Iile ern account ofhis per#c~rmance bath as tl~e pc;rsonal representati~Te of iris father's estate and also as his a~cnt E~i~z°suar~t to the T'or~rer of ~`ttc~rne~l. inclosed is a I'etitic~r~ l intend to file sl~ortl~~. If }~c~u can pe~rsuG~ce yQU~' client to pr~ypare and file an account ~~yithout .the petition please let ine hear f`ram ~~ou immediately;. Sincerelyf, ~~, Samuel I.,. ~lntlcs amh / I.~nclosure cc: Mrs. C3elinda ~. Rc3sclii ?~~ IN RE: ESTATE OF ROBERT L. YOUNG, SR., Deceased CITATION IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ORPHANS COURT DIVISION ESTATE FILE NO. 21-11-04147 AND NO~V, this day of , 2012, upon consideration of the Petition of Belinda Y. Roselli to Site Personal Representative to Render Account and Report of Administration a Citation is hereby issued upon the Respondent Robert L. Young, Jr., to show cause, if any he has, why he should not be ordered and directed to fife an Account and Report of his administration of the Estate of Robert L. Young, Sr., deceased, and also an Account of his actions while servicing as the agent of the said Robert L. Young, Sr., pursuant to a Power of Attorney. The Respondent shall file a written response to this Citation within thirty (30) days of the date of its service upon him or his attorney, Charles E. Shields, III, Esquire. BY THE COURT, J. Distribution: Samuel L. Andes, Esquire (Attorney for Petitioner) 525 North 12`'' Street, P.O. Sox 168, Lemoyne, PA 17043 Charles E. Shields, III, Esquire (Attorney for Respondent) 6 Clouser Road, Mechanicsburg, PA 17055 ~. 2 '~ IN RE: ) ESTATE OF ROBERT L. YOUNG, SR., ) Deceased ) } IN THE COURT OF COMMON PLEAS OF CUIV~ERLAND COUNTY, PENATSYLVAMA ORPHANS COURT DIVISION ESTATE FILE NO. 21- I 1-00147 PETITION TO SITE PERSONAL REPRESENTATNE TO RENDER ACCOUNT AND REPORT OF ADMINISTRATION AND NOW comes Belinda Y. Roselli, one of the heirs of the above Estate, and files this Petition to request the court to site Robert L. Young, Jr., the personal representative of the Estate, to prepare and file an account and report of his administration of the Estate and his handling of the Decedent's financial affairs prior to the decedent's death, all based upon the following: 1. The Petitioner herein is Belinda Y. Roselli an adult individual who resides at 1509 Grandview Avenue in Mechanicsburg, Cumberland County, Pennsylvania 17055. Petitioner is the daughter of the Decedent Robert L. Young, Sr. 2. The Decedent Robert L. Young, Sr., died on 15 November 2010. Prior to his death, Decedent had appointed his son, Robert L. Young, Jr., the Respondent herein as his agent pursuant to a Power of Attorney dated 7 June 2010. Decedent also left a Will in which he designated the Respondent as the Executor of his Estate. 3. The Respondent Robert L. Young, Jr. was duly appointed the Executor of the Estate of the decedent by the Register of Wills of Cumberland County, Pennsylvania. The Respondent has field that position since his appointment. 4. Prior to Decedent's death, the Respondent had served as Decedent's agent pursuant to a Power of Attorney granted hirn by Decedent and dated 7 June 2010, During the months ~2~ prior to Decedent's death, Respondent received Decedent's funds and expended and applied them in various ways. 5. Qn 25 March 201 I, Respondent filed a Pennsylvania inheritance tax return with the Register of Wills. That return listed gross assets of $159,888.72 and total deductions of $16,083.27. _ 6. [3pon her review of the inheritance tax return filed by Respondent, Petitioner determined that the tax return omitted several assets owned by the Decedent at the time of his death and also misstated some of the deductions taken on the tax return. 7. Petitioner has learned that, during the final months of Decedent's life, Respondent expended Decedent's funds and assets for the personal benefit of Respondent and his family. 8. Petitioner has learned that, following Decedent's death, Respondent continued to use and apply the Decedent's funds for the personal benefit of Respondent and his family. Petitioner has also learned that Respondent continued to use Decedent's personal credit card following the death of Decedent for the personal benefit of Respondent and his family. Petitioner believes that the Respondent used funds of the Estate to pay the charges he made on Decedent's credit card after Decedent's death. 9. Petitioner has brought these matters to the attention of Respondent, through Respondent's attorney. To date, Respondent has provided no satisfactory explanation for the questions raised by Petitioner. 10. To date, Respondent has not filed an account with this court, or any report outlining and explaining the actions he took both as Decedent's agent under the Decedent's Power of Attorney prior to Decedent's death, and as the personal representative of Decedent's Estate. 1 1. Petitioner believes that Respondent has completed the liquidation of the Decedent's assets and has all the information he needs to conclude the administration of the Estate and prepare and file an account and report of his administration of the Estate. 12. Petitioner believes that Respondent's delay in concluding the administration of the Estate and filing an Account and Report are a result of Respondent's bad faith and his failure to properly administer the Estate in accordance with the law and the terms of Decedent's Will. ~-2 ~ WHEREFORE, Petitioner prays this court to issue a Citation directed to Robert L. Young, 3r. requiring him to appear and show why he or she should not render a full Account and Report of his administration of the Estate of Robert L. Young, Sr. and, further an Account for his handling and administratian of the assets and financial affairs of the Decedent prior to his death, and to take such further action and order such further relief as the court deems proper. Samuel L. Andes Attorney for Petitioner Supreme Court ID # 17225 525 North 12`~ Street P.O. Box 168 Lemoyne, PA 17043 (717) 761-5361 3 c, verify that the statements made in this document are true and correct. I understand that any false statements in this document are subject to the penalties of 1 S Pa. C.S. 4904 (unsworn falsification to authorities). Date: 9I7I1 Z c~;~[~. BELINDA Y. OSELLI ~~~ CERTIFICATE OF SERVICE I hereby certify that I served an original of the foregoing document upon counsel herein by regular mail, postage prepaid, addressed as follows: Charles E. Shields, III, Esquire 6 Clouser Road Mechanicsburg, PA 17055 Date: 7 September 2012 y M. Harkins Secretary for Samuel L. Andes L. ~~~~iT,I~I~ ~....~Iv ~~S AT'i"OiF213EY 1-T LAS'J 5'.x.3 ?3pRTii 'P"W`7:Z.13 'i'1"1{2:~T R C3• ~t7X I43U LE~iQY.*:E. F'E73;~i S'YL'VA.~ IA 17Q~3 rYt-ttr tia:i" ;~{ATLl:tCi hZ?t)IiY.S4. t 7t7 'Tt3! - t'i:1Ql r o. ~c~x its 1.F.?IOYb:lis r'A t7~.t.1-Ot9H YAX { ~tT 1 tt3t -t,y~z L'-3iitlT.' 1.tr~MSC2tie.s`i'e~l.cc~~ rr~~ (('~~ {~y p (~ } s: VCitV~~t ~l/ I. Cl~arics ~. Shields, lll, Bsquire b Clc}user :Road tVtechancsbur~, t'A 1705 RF.: Y©un~ ~s~at~ T3ear Charlie: l assume you received. a copy of`tl~c Citation issued by the eaurt on nay Petition to C:ornpel the [ilin~ of an account. In case you did not, l hereby .enclose and serve upon yoti a ccrtific~d c;c~py of the Citation. Please ~Lt back. to me on this tivhcn you can. Sncerc;ly, Samuel ~,~ Andes an~l~ / Enclosure; cc: Ms.:Belinda Y. Rosetli. Z ~~ s ^. ` .. +^ F ~ f i~• ~s...,, ti ~~ r ~ Q ~:- !~ ' ;.E.... ~ ~. ) 1 ww ~' ~. t ~ ~= , ~• ;r ~~t~C? ~~rl~ ~' t? ~ A r' ~ G~~' l urt ~p ~~U.. FA ri Gt~E ~~ } ~ TI-lE ~oUR~~ ~~~ Ct~I~MON } PLEAS OF CL[I'~iBERLAND EST ATE t)F RQB~R"T' L.. `YOUNG, SIZ.., ) CC3TY, PENNSY'L.VANIA Deceased ~ ORI'H~NS CC)UI~T F~IVISIQN ESTATE FILE NCB. ? i-1 i-OJ1 ^~7 CITA'TIQN AND ~fJW, this ,l ~'~~~' dad, of ,,~~ ...,~:-~%~"r ~~ ~ ~. , ~.~ , ?O l 2, upon ~. consideration of the Petition of Belinda Y. Roseili to Site Personal Representative to Render Account and Report of ~.dministration a Citation is hereby issued upon the Respondent Robert L. ~r'oung, Jr., to show cause, if any he has, why he should not be ordered and directed to file an Account and Report of his administration of the Estate of Robert L.. Young, Sr, deceased, and also an Account ofhis actions while servicing as the agent of the said Robert L. `Young? Sr., pu= want to a Por~~rer of t~ttorney, The Respondent .shall file a:~~vritten response to this Citation within thirty (30~ days of`the date of its service upon him or his attt~rne}~r, Charles E. Shields, III, BY TIE C4UI~T, ,. .} y _. {..J'` it ~, °~S. ~., Samuel L. tl,ndes, Esquire Attorney far Petitioner) 525 North 12`~ Street, P.4. Bax 1b8, Lemoyne, PA 1743 Charles E. Shields, TII, Esquire (Attorney for Respondent) b Clouser Road. Ivieclianicsbur~, PA 17U~5 7~ a-3a:~~~ ~..~,~E~~ V~~:~ scan ~ ~, ;:3r+uGS~~~4 t ao~a:iti~ ~jtlt;tn+2~L: - r~r .~ jdli• { rj ~~(ja~ hll~ ~~ri i ~',%. .'13,.114. !Y:.'~1•.~ v r r ~.~` ~ /. ~.- • ~ .. ~ • . . ...ir 1 + . ' • •.. . • •~