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Home My WebLink About13-1091IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNT, COMMONWEALTH OF PENNSYLVANIA `= "" ~ REMIT CORPORATION, ~ ` ~ `~' ~: ~ ~~ x Assignee of Unifund CCR, LLC, .``~'.~~ ~ ~ c._ Plaintiff ~~ -~ s.~-_" ~ c-~ ` • yea _ ~:~~ vs. :CIVIL-LAW ~ ~ ~'.., :~~ "~ `j;~ ` CARL W. AVERY, :DOCKET NO. 22 G~ I ~J' I ~ ~/// _ a ! Defendant NOTICE TO DEFENDANT TO THE DEFENDANT: YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Pennsylvania Lawyer Referral Service Cumberland County Bar Association 100 South Street, PO Box 186 2 Liberty Avenue Harrisburg, PA 17108 Carlisle, PA 17013 800-692-7375 717-249-3166 717-238-6807 RAYMO W. KESSLER, ESQUIRE a~i~~.~s~ Q~ C~~ v.~/ a$~~i IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA REMIT CORPORATION, Assignee of Unifund CCR, LLC, Plaintiff vs. CIVIL-LAW CARL W. AVERY, :DOCKET NO. Defendant COMPLAINT The Plaintiff, Remit Corporation, by and through its attorney Raymond W. Kessler, Esquire, hereby files this Complaint of which the following is a statement: 1. The Plaintiff, The Remit Corporation is a Pennsylvania Corporation doing business at 36 West Main Street, P.O. Box 7, Bloomsburg, Columbia County, Pennsylvania 17815 and is the assignee of Unifund CCR, LLC. A Copy of the document assigning all relevant rights with reference to the present action to the Remit Corporation are attached hereto, incorporated herein and referred to hereafter as Exhibit A. 2. The Defendant, Carl W. Avery, is an adult individual residing at 85 Longwood Drive, Mechanicsburg, Cumberland County, Pennsylvania 17050. 3. Defendant obtained a Citibank Visa credit card on or about January 18, 2010, from Citibank (South Dakota) National Association, (hereinafter "original creditor"), Account number 4128 0035 1693 2582. 4. Unifund CCR, LLC has been assigned the account of the Defendant by Pilot Receivables Management, LLC. Pursuant to Pa.R.C.P. No. 1019(1), a copy of the written agreement is attached hereto, incorporated herein and referred to hereafter as Exhibit B. 5. Pilot Receivables Management, LLC purchased the account of the Defendant from Citibank (South Dakota) National Association. Pursuant to Pa.R.C.P. No. 1019(1), a copy of the written agreement is attached hereto, incorporated herein and referred to hereafter as Exhibit C. 6. Defendant used the extended credit leaving an unpaid balance of $3,303.52 with interest continuing to accrue at 6.00% per annum. 7. Defendant defaulted on the payments due. 8. The balance on the charge-off is $3,303.52 and post-charge off interest has accrued in the amount of $426.82 to date for a total remaining balance due of $3,730.34. 9. Copies of statements showing purchases on this account are attached hereto, incorporated herein and referred to hereafter as Exhibits D-K. 10. In consideration of the extension of credit provided by original creditor through a credit card, Defendant agreed to pay for all charges for purchases, balance transfers, cash advances, fees and interest on hislher account. 11. Defendant accepted the extension of credit and utilized the credit card without complaint, objection or dispute as to credit services provided, the prices charged for the same or the costs incurred. 12. Defendant's failure to pay is a breach of the agreement between the Defendant and original creditor. 13. It is averred that an implied contract exists based upon Defendant's use of the credit card issued by the original creditor. 14. At all times relevant hereto, Defendant was aware that the original creditor was extending credit services to Defendant and that the original creditor expected to be paid for the Defendant's use of this credit. 15. Defendant used the credit card to purchase items, and/or transfer balances, and/or obtain cash advances and he/she received the same to Defendant's benefit. 16. The total reasonable value of the Defendant's use of the credit extended by original creditor is $3,730.34. 17. In breach of the implied contract, Defendant has failed and refused to pay the outstanding sum for the credit card use and the same is now due and owing. 18. The Defendant has failed and refused to pay the aforementioned sum despite frequent demand to do so. 19. By virtue of Plaintiff s assignment of this account, Defendant is indebted to the Plaintiff in the amount of $3,730.34. WHEREFORE, Plaintiff, Remit Corporation, demands judgment against Defendant in the amount of $3,730.34, together with interest, costs, and such further and additional relief as this Honorable Court deems just and equitable. Respectfully submitted, Raymon W. Kessler, Esquire Attorney ID 309802 36 West Main Street Bloomsburg, PA 17815 Phone: 570-387-1873 Fax: 570-387-6474 ASSIGNMENT OF CLAIM PURSUANT TO PENNSYLVANIA ACT 219 OF 1990 For value received, the undersigned: Unifund CCR, LLC assigns to: The Remit Corporation doing business at: 36 W Main Street PO Box 7 Bloomsburg, PA 17815 a debt due to the undersigned from: Carl W. Avery # 788208 4128003516932582 for the sum of $3,730.34 arising from unpaid credit card services with interest accruing at 6.00% per annum. The said sum is justly due to the undersigned without offset or defense. The undersigned neither transfers to The Remit Corporation, nor expects The Remit Corporation to assume, any obligation or any liability of the assignor to the said debt. The undersigned has done nothing and will do nothing to discharge the debt or hinder its collection and hereby grants to The Remit Corporation the full power and authority, to bill and collect the aforesaid claim, in accordance with Pennsylvania Act 219 of 1990, Section 2, as it amends Title 18 regarding Section 7311, including to sue for, (in its own name, through a licensed attorney) and discharge the assigned debt. The Remit Corporation specifically agrees to comply with the Pennsylvania Act of December 17, 1968, P.L. 1224, No. 387 (known as the Unfair Trade Practices and Consumer Protection Law), and with the regulations promulgated under that Act pursuant to this assignment. i Dated this `,~ day of ~~ ~Q~1"A~it~ , 20L~ tumn Hopki s Unifund CCR, LLC EXHIBIT ASSIGNMENT THIS ASSIGNMENT is effective as of August 1, 2012 between PILOT RECEIVABLES MANAGEMENT, LLC an Ohio limited liability company ("Assignor"} and UNIFUND CCR, LLC, an Ohio limited liability company ("Assignee"). Unless otherwise defined herein, terms used herein shall have the meanings specified in the Servicing Agreement between Assignor and Assignee (the "Agreement"). Assignor, for value received and in connection with the Agreement, transfers and assigns to Assignee alI of Assignor's rights in the Receivables, for collection purposes only, including conducting litigation in Assignee's name, for those Receivables which Assignor owns or may acquire from time to time. Assignor shall retain title and ownership of such Receivables. The assignment is without recourse to Assignor and without warranty of any kind (including, without limitation, warranties pertaining to title, validity, collectability, accuracy or sufficiency of information, and applicability of any statute of limitations), except as stated in the Agreement or herein. PILOT RECEIVABLES MANAGEMENT, LLC ~~ By: ~ ~ titi Morg J. Sm h Vice Pr s~en of a anon IJNIFUND CCR, LLC By: Manager of Legal Contract [D: t; iv I R~t(J'~tSBfl(~ l ~ l 2 [kkument tI): QEr[3131t~i16AaTBB[ (krc:umrnt tD: Oh [ ~ 12t1V 1 I3A3TBB t E)o.;umtnt [(l: n613 i ~U~t t t1C i CI38 t [document t(). t}t; l 3!?IIV t LfC2'(E3B1 BILL OE SALE AYD ASS1CNlENT CE{IS BILL OF SALE AND r15SIGNMENT, dated June 13, 2012 is by Citibank, N.A., u national banking association organized under the taws of the United States, located at 70I East fit}th Street North, Sioux Fails, SD 57 t 17 (the 'Bank") to Pilot Receivables Management, LLC, organized tinder the laws of the State of Ohio, with its headyuarters/principal place of husiness at 1Ob25 "fechwoocis Circle, Cincinnati, OH d~Z42 {"Buyer"). For value received and subject to the terms and conditions of the Purchase and Sale A~•eement dated June 1 S, 2012, between Buyer and the Bank (the "Agreement"), the Bank does hereby transfer, sell, assign, Canvey, grant, bargain, set over and deliver to Buyer, and to Buyer's successors and assigns, the Accounts described in Exhibit (and the final electronic tile. Citibank, N.A. +~ --~---t= '--- (Signature) t~;t<<~ ,~i n~.~.~ ~..~~.~___~ ~c ou ft-~- mC~ n u q 2 r-' EXHIBIT m l~nD~ C)~ A O =~r0 zcZi~ o ~~¢< ~n O m _ CO{O cAi °A D n~ o ,m 0 ut 0 J m r» n °o~ ~m- ~xD N O) O O f'~n = it A N_ m w w tabWas• (~ ~. V ~ ~ N 3 /A ~ O 3 t~~it ~ O m C v W ~ C~ ~ c y W ~ O m < a m m 0 m g~~ a~X ~~~ ~s $ a 3~~ ~.c3 :s~ `~~ sad ~x~ z° 9 's 3 S Rd 3 n~^ ~3 o cop °^ w p» 3~ `; t~ii _ n c 8± o a`3 G W g 3+ N1 m N t+ d ~o 0 r r ti O 0 W r a- .L w fU Ln ru O O r 0 w W 0 w O Ln w G" W O O 0 0 0 0 O 0 O r 0 a u S ~ Q Y 3 ~ ,'.! 8 n 2 ~~ ns a w $ Citi Forwards" -- ~ dR- Ky Account Activity Jan 13-Feb 09, 2010 Minimum Payment Due: New Balance: Summary of Account Activity $103.63 $3,058.63 Previous Balance $0 00 Payment Due Date: Payments ~ $0 00 ~3~04~20~~ ~t ~ PM its __ ., 0 ontMpaymeM4t iedatw Purchases +$2,9256 3 Late Payment Mlrnln¢ If we do not receive your Balance Transfers +$0.00 minimum payment by the date listed above, you may have to pay up to a 539 late fee and Your APRs may be Cash Advances F Ch d +$83.50 +$49 50 increased up to the variable Penalty APR of 29.99%. ees arge - . ' Interest Charged +$0.00 New Balance 3,058.63 Past Due Amount S0.00 Amt. Over Credit Limit $58.63 Credit Limit $3,000 Available Credit ~~ - ~ _ ~$0-- Cash~Advance Limit -- $900- Available Cash Lirtut ~ ~ ~~~ -~ S0~ Statement Closing Date 62/09/2010 Days an Billing Cycle 28 tof3 www.cltlcards.com Account Member CARL W AVERY Account Number 4128 00351693 2582 ~~ ThoskYou'~ Total ThankYau Member Available Point Balance As Of 02/01/10: Now to Reach Us ~ ~ ~ o 1-800-950-5114 Customer Service BOX 6500 SIOUX FALLS, SD 57117 www,thankyou.com Log on to www.thankyou.comistatement today to check your latest point balance, redeem for great rewards, and earn more points. ***s******+t************s********************************s****-***s• * Important Change to Your Account Terms *****s*******************************rs********************s***s»** * We are changing your account terms. The standard cash advance * APR on your account will no longer increase when the U.S. Prime * Rate increases. Effective 02/22/10, this variable APR changes to a * non-variable APR as follows: * Standard Cash Advance **APR**: 21.9990 ***i**i*-**,*******+k********************i****-********************** We thank you for being our customer and appreciate your business. Standard Purchases See Pos Description Amount 02103 02103 CINEMA CENTER OF CAMP CAMP HILL" PA 7.75 02/03 02/03 CINEMA CANTER OF CAMP CAMP HILL PA ~~ 12.50 02/03 02/03 CINEMA CENTER OF CAMP CAMP HILL PA 24 00 01/25 ~~ ~ ~ ~O>~Z5 CONCENTRA MECHANICSBURGPA 20.00 01x26 01726 WALGREENS tt9490 EDGEWATER MD 14 26 01/6 01)26 m CVS ~HARMACV m3l2033 403 EDGEWATER MD 26.35 01/31 01731 ~~ RITE Afb S70RE 3613 ~ -M~CHANIt~~6URGPA ~~ ~ ~ 61.52 01!18- ~~ ~- ~ ~~~t/1~ ~~- ~ GC~gA~'C1f`E 6094070005 609 407-0005 NJ ~ 63.48 01/18 01/18 VITAMAKER 626-810-9233 Clt ~ 83.30 Gl/23 01/23 _ GIANT FOOD Ft331 MECHAN~CSBURGPA 83.61 Citi Forwards" _~ How to Reach Us 1-800-950-5114 /~ ~' a Customer Service ~' BOX 6500 Account Number SIOUX FALLS, SD 57117 *"'* *"* "" 2582 Access your account online: www.citicards.com 01/24 01/24 GIANT FOOD #331 MECHANICSBURGPA 23.28 01 25 01j25' " GIANT FOOD 6331 MECHANICSBURGPA "" ' 2.99 41/25 ~~~ 01/25- ~ GIANT~FOOD'#331 MECHANICSBURGPA 10.00 01 25' ~~~~--'~~ ~~~01%'25 BENNY'S PET DEPOT MECHANICSBURGPA 8~~48 _ 01726 W'.._„_ bt726 "$A~EINAY S70RE00026294 ANNAPOLIS MD 7.10 01 26' 01/26 " 6EST'BUY 00001636 ANNAPOLIS MD 10.59 01726 01/26 BESTBUV 00001636 ANNAPOLIS MD 1,22394 01/28 01/28 'BEST BUY 00014787 MECHANICSBURGPA 1.48 01 28 01!28 WEISEi2'S MARKET it 3 MECHANICSBURGPA 12.43 01/28 01/28 GIANTfOOD~#331 MECHANICSBURGPA ~~~~ 13.77 01 29 01%29 APPLE STORE #R304 LANCASTER PA 21094 01%31 01731~~~~~ ~~~~~~ GNC #7282 ~'~'~~"~~"~"~MECHANIC~BU'1~1;'PA 119.57 01/31 01/31 ~ GIAN7~F000 22331 ' ' MEGHANICSBURGPA 3.16 01731 01/31 GIANT FOOD 31331 MECHANICSBURGPA 7.68 02703 02/03 blCl~''S SPORTINGGOODS HAMPDEN TOWNSPA 47.17 02/07 02/07 GIANT FOOD #3.31 MECHANICSBURGPA 19.43 ~. Ol 24 01/24 BURGER KING #12589 JESSUP MD 71.84 0125 01/25 WENDYS7130 025 MECHANICSBURGPA 14.39 O>7 25 ~ ~ ~----- 01/26 MCDONALD'SF16379 HUNT VALLEYMD 4.23 01/26 01/26 MCDONALD'S M5736 OF MD EDGEWATER MD 8.13 Oi7~6 01~~6 ~ WENDYS #0144 025 HUNTVALLEY MD ' ~ ~~ ~~~~~ ~~6.b3 Oi73i"'~ 01731'"` HAPPY GARDEN MECHANICSBURGPA 23.80 02/01 02/O1" -~~-~~A~~2B~'578~~3~W00078899 UPPERALLEN~~~A~ ~ - ---- 14.27 02%02 02/02 _ M000NALD'S F2449 CAMP HILL PA "' ~ "~ 10'.35 02 01 02%1- -ATOM AOETATT00~~ MECHANICSBURGPA 50.00 02/01 ~ 02%02~~~~ ~ ATOAA~AGE TATTOO-~~~~~ MECHANICSBURGPA~~ ~ ~~-~_-~~ ~~~~~~'~ 300.00 02/04 02/04 ATOM AGE7A'I`TOU MECHANICSBURGPA - '" -221.20 01/23 _ 01723 _ _ SOUTH RIVER 8P/LJiC EDGEWATER MD ~ 20.05 01/6 -'-- 01/26 RUTTER'SFARMS7R~#8 YORK PA 17.42 61/6 01/26 GIANT FUEL #331 ~ MECHANICSBURGPA _ -~~ _ _ ~"~' 'i.0~b 01%26 ~ 01/26 GIANTFUEL #331 MECHANICSBtfF~GPA~~ ~~" ~ ~ ~~-~~~~ 22.70 _ 01 31 01/31 7 ELEVEN 11425 MECHANICSBURGPA 10.18 J2JG2 02/02 SOUTH RIVER BP/ LJK EDGEWATER MD' 23.26 02/05 02/05 GIANT FUEL#331 MECHANICSBURGPA " 47.40 Standard Advances e e os escr pt on Amoun 02/04 ~ 02/04 PSECU 1101 S FRONT ST HARRISBUR PA ~ ~~ _-~- -61.50 02/05 62/05 CENTRICB 6480 CARLISLE PIKE MECHANICS PA 22.00 Categorized Purchase Activity Alr TravN Auto Rental Enbrtalnment Haaltn Cary Lodglnq Marchandlsa 0.00 0.00 44.25 122.13 0.00 1,953.00 Mlseellaneous Organlzatlons Other Trawl Restaurants Servlus Vahlcla services 0.00 0.00 0.00 93.04 571.20 142.01 Fees Sele Post Description Amount 02/09 __... MEMBERSHIP FEE FEB 10-JAN11 -~ - ~ 0.00 . - 02/09 _ __ .. ADVANCES'MINIMUM FEE 0.50 _...-.-. 02/09 ADVANCES'TRANSACTION FEE 10.00 02/09 .._ OVER CREDIT LIMIT FEE .. . 39.00 _ - TOTAL FEES FOR THIS PERIOD 49.50 Interest Charged Post Descr tion _ Amount ~_- ~-_ -.. ., ~„. ,., ... ..a~. . .__,._...~,~-_ _. ....._. ,~...._...~ TOTAL INTEREST FOR THIS PERIOD 0.00 Rate Summary Days Tnls Blalnq Period: 28 Balance Subject to Periodic Nominal ANNUAL PERCENTAGE Interest Charge Rate ApR RATE PURCHASES -- Standard Purch 0.00 0.00000%(D) 0.000% _ ~~~ 0-.000%-'~ ADVANCES StantlardAtlv 17.13 0.06025%(D) 21.990% 150.847%~ 2 of 3 Citi Forwards" ~a ThankYOU Bonus Points Bonus Points by Category Dining, movies, bookstores, music stores Total Bonus Points by Category Earned Card Member Bonus Points Paperless enrollment appreciation Purchase Bonus Total Card Member Bonus Points Earned How to Reach Us /'"\a 1-800-950-5114 ~' ~' Customer Servke BOX 6500 SIOUX FALLS, SD 57117 Account Number **** **** **** 2582 Aecess your account online: www.cltlcards.com Each Cash Advance is subject to a one-time transaction fee. This fee will cause your Annual Percentage Rate to exceed the nominal Annual Percentage Rate listed on this statement. 686 686 Welcome to ThankYou(R) Network! Your Citi Card allows you to earn ThankYou Points on eligible purchases. So use your card for all of your everyday spending 5,00o needs and watch the points add up! Visit www.thankyou.com to view the rewards 6,000 collection. 11,000 ThankYou Points Summary Member ID: N/A ThankYOU Points Eamad This Period Category Merchant Card Memtwr Payment Bast Bonus Bonus Bonus Rewards Bonus AAJusted 2,788 686 0 11,000 0 0 Total ThankYOU Points Earned This Period: 14,474 ThankYou Points Earned Ysar to Date Total Total Total Total Basa Bonus Adjusted Eamod 2,788 11,686 0 14,474 Go to www.thankyou.com to review your ThankYou Point balance and redeem! Bonus Points may take one to two billing cycles to appear on your statement. Please refer to the specific terms and conditions pertaining to the promotion for further details. If you have not received your new card, please call the Customer Service number on this statement. Your account balance is over the credit line. Please pay the Minimum Payment Due shown before using your card again. If you have already sent us this payment, thank you. Important Notification: The Worldwide Automatic Travel Accident Insurance maximum coverage will change from $1,000,000 to $250,000 within 30 days of the date of this statement. All other program details remain unchanged. 3of3 0 rmi~~ o =~~O i~~o n~~~ viOm- C O ~ p ~p D a~ o ~m r 0 ut 0 r m n~r~ e O 1 G ep _ cxD ~mv oWU, xu A N Oo ~, m Ybbiar O ~ w ~ w z <N~f O 3 ~ 3 ~ p ^ u 3 ~ m O N ~ c~ y 'o m p m < m ~ m ~~ o m egg _ ~g kz~ $ gin e' SKg ~ fi+~ °°='s 3$e 3 ~Na sod S ~a ~ R° ~ Nn °~-; 3 O aD ~ '~ O w ~ ~ uwii n ~e 8n ~ ~D3 w$ 3. ~N7 N m°o ,: o i 0 r r RJ O 0 W In r Q' .n W ru Ln RJ 0 O fU r r ..0 Lrl 0 til O ..b .,0 IlJ _b 0 t7 l7 t~ O 0 O t7 O .F ii x 0 a: ~ S ~ ~ f7 a '- 3 n n a ; Citi Forwards" ~T. Account Activity Feb 10-Mar 10, 2010 Minimum Payment Due: New Balance: $214.95 $3,099.29 Payment Due Date: 04~~7~201~ ~~tmusthWpa~yreinldwaat~aPM Late Payment Mfarnirtq: If we do not receive your minimum payment byy the date listed above, you may have to pay up to a g39 late fee and your APRs may be increased up to the variable Penalty APR of 29.9996. Summary of Account Activity Previous Balance $3,058.63 Payments -$0.00 Other Credits -$0.00 Purchases ~~~~~ - ~ ~~~~+$0.00 Balance Transfers +$0.00 Cash Advances ~~ ~ ±$0~00~- FeesCharged +$39.00 .. Minimum Pa ymant Mlarninq: If you make only the New Balance 3,099.29 minimum payment each pQriod, you will pay more in interest and it will take you longer to pay off your Past Due Amount $45.00 balance. For example: If you make no ! You will pay off 'Ana you will and Amt. Over Credit Limit S99.29 additional charges ithe balance shown up paying an Credit Limit $3 000 ,._. .. using this card and ; on this statement' estimated total Available Credit $0 oath month you pay... In about... of... Cash Advance Limit _, .. $900 Only the minimum 16 year(s) $5,820 Available Cash Limit $0 payment Statement Closing Date 03/10/2010 $3.828 S105 3 year(s) s~ _I gs_St ~z~ ., .,...,...._. ,,.,,,......... Days in BIIIing Cycle ~ Interest Charged +$1.66 ~ 29 For information about credit counseltne services, all 1-677-337-6168. 1of2 www.eiticards.eom Account Member CARL W AVERY Account Number 4128 00351693 2582 ~~ThaatYou~~ Total ThankYou Member Available Point Balance As Of 03/01/10: How to Reech Us ~ ~ ~ a 1-800-950-5114 Customer Service BOX 6500 SIOUX FALLS, SD 57117 www.thankyou.com Log on to www.thankyou.com/statement today [o check your latest point balance, retleem for great rewards, and earn more points. Categorized Purchase Activity Air TravN Auto Rental Entartalnmant Health Cara Lodqlnq Merchandise 0.00 0.00 0.00 0.00 0.00 0.00 Miscellaneous Organizations Other Travel Restaurants Sorvlces Vehicle Services 0.00 0.00 0.00 0.00 0.00 0.00 Fees Sefe Post Description Amount 03/10 LATE FEE FEB PAYMENT PAST OUE 3900 TOTAL FEES FOR THiS PERIOD 39.00 Interest Charged Post Description Amount .,. .... -... ,,. ,. _.v,,.: ....ern-.- 03/10 ADVANCES*IN7ERESTCHARGE*PERIODICRATE 1.66 TOTAL INTEREST FOR THIS PERIOD 1.66 Rate Summary Days This Bllling Period: 29 Balance Subject to Periodic Nominal ANNUAL PERCENTAGE Interest Charge Rate APR RATE PURCHASES Standard Purch _ - ~ ~ 2 , 964~.~~~~~ 0. d~0000%(D)~ ~ 0.000% 0 000% ADVANCES SfandardAdv 94.80 0.06025%(Dj 21.990% 21.990% Citi Forwards" - ci: ~~~ How to Reach Us 1-800-950-5114 ~ ~'s Customer Service BOX 6500 SIOUX FALLS, SD 57117 Account Number ..__ _>..:.:. 258P pecess your account anllne: www.eltieards.com ThankYou Points Summsry Member ID: N/A ThankYou Points Earnsd Thls Period Cate~ry Merchant Card Member Payment Base Bonus Bonus Bonus RewaMs Bonus Adjusted 0 0 0 0 0 0 Total ThankYou Points Earned This Period: O ThankYou Points Earned Year to Data Total Total Total Total Base Bonus Adjusted Earned 2,788 11,686 0 14,474 Go to www.thankyou.com to review your ThankYou Point balance and redeem! Bonus Points may take one to two billing cycles to appear on your statement. Please refer to the specific terms and conditions pertaining to the promotion for further details. Only accounts that are open and current may earn and redeem ThankYou Points. If your account is past due, some ThankYou Points may be unavailable for redemption. Unavailable points may be reinstated, once you become current with your payments. A reinstatement fee may be charged. To view your scheduled payments and payment history, sign on to Account Online using the URL on the back of your card. To view available ThankYou Points, visit www.ThankYou.com Your late fee was based on your account balance as of the payment due date (03/04/10), which was $3,058.63. Your account is past due and your balance is over the credit line. To ensure you continue to receive the many benefits of your cardmembership, please send the Minimum Payment Due shown. If you have already sent us this payment, thank you. 2of2 m tmltDC n r-~ O ~ O ~ 0 zcZi~o° n~« m - c v j o Ao D cs A n< o m 0 to O m n ~ n °o p ~ ~m- ~ x,71 N~ 0 O W /n =w A N m W tt~a~ u m w ; ~ ~ ~ ~ r 3 A m ~ ~ 3 C m ~ ~ ~ °w m m m .~. o m ~~~ _ 3gY $g: o $ a3n i ~~'n Y c$r 3 e x<s i~ 3 23~ 3a~ 3 S~~ a °"~ S =m` € z~ R" 3 nl^ °- 3 0 lD G °~ fe Ow ~N 7 twit i z~ n c a" ~ °'3 ., '~ tr W et ~ ~ N N do go 3 0 r r Rl 0 t7 W lft r Q' ..D W ru f11 C3 C] W ru F W a W r r 0 L7 w C] O 0 0 O O O C] C7 ii 3 0 0 Z 8 4 ~ °s n e~ S n~ a= a = Citi Forwards" _ ~ ;~ Account Activity Mar 11-Apr 09, 2010 Minimum Payment Due: New Balance: $327.43 $3,140.03 Payment Due Date: 05/07/2010 klal~t own tttb`pam:nidwaat~•.PM Late Payment Mlarnin¢ If we do not receive your minimum payment byy the date listed above, you may have to pay up to a S39 late fee and Vour APRs maV be increased up to the variable Penalty APR of 29.9996. Minimum Payment [Marnin¢ If 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 ` You will pay off '. And you will and additional charges Ithe balance shown up paying an using this card and on this statement - estimated total each month you pay... In about... ot... Only the minimum 15 year(s) $5,820 payment 5104- ~~- 3year(s) ~~ .~ $3862~~~~ lSav 9s=$195A) Far information about creAft counseling services, call t-877-337-8188. 1of2 Summary of Account Activity Previous Balance $3,099.29 Payments -$0.00 Other Credits $000 ~w Purchases ._. ..._ +$0.00 Balance Transfers +$0.00 Cash Advances _~,. +$0.00 FeesCharged~_......-~..... .. +539.00 Interest Charged +$1.74 New Balance 3,140.03 Past Due Amount $115.66 Amt. Over Credit Limit $140.03 Credit Limit $3,000 Available Credit $0 Cash Advance Limit $900 Available Cash Limd $0 Statement Closing Date ,......,. 04/09/2010- . . . . . Days in Billing Cycle , .., . , 30 www.cltlcards.com How to Reach Us Account Member 1-800-388-2200 ~ ~~ CARL W AVERY Customer Service Account Number BOX 6500 SIOUX FALLS, SD 4128 00351693 2582 57117 ~~ TbailrYou ~' h k www .t an you.cam Total ThsnkYou Member Available 47~ ~4 P i t B l A Of o4/01/10 r o n a ance s : Log on to www.thankyou.com/statement [Otlay [O CheCK your latest point balance, retleem for great rewards, and earn more points. Categorized Purchase Activity Air Trawl Auto Rental Entertainment Health Cara Lodging Merchandise 0.00 0.00 0.00 0.00 0.00 0.00 MlseNlaneous Organizations Other Trawl Restaurants Services Vehlcla Services 0.00 0.00 0.00 0.00 0.00 0.00 Fees Sele Past Description Amount 04!09 LATE FEE -MAR PAYMENT PAST DUE 39.00 TOTAL FEES FOR THtS PERIOD 39.00 Interest Charged Post Description Amount 04/09 ADVANCES"INTEREST CHARGE*PERIODIC RATE 1.74 TOTAL INTEREST FOR THIS PERIOD i.74 Rate Summary Days Thls Blllinq Period: 30 Balance Subject to Periodic Nominal ANNUAL PERCENTAGE Interest Charge Rate ApR RATE PURCHASES Standard Purch ~~~ _ ~~~~~ 3 , 003 , 63 ~ 0.00000%<D) ~ _ 0.000%~ ~~ ~ W ~~~0.000%~ ADVANCES Sfand'ardAdv 96.50 O.b6025%(D) 21.990% 21.990%' Citi Forwards" ~,T+. Now to Reach Us a' 1-800-388-2200 Customer Service BOX 6500 SIOUX FALLS, SD 57117 'VtSa Aecount Number "*** **** "*** 2582 Access your account online: www.cltlcards.com ThankYou Points Summary Member ID: 8910239656533904 ThankYou Points Earned Thts Period Catpory Merchant Card Member Payment Base Bonus Bonus Bonus Rewards Bonus Adjusted 0 0 0 0 0 0 Total ThankYou Points Earned This Period: O ThankYou Points Earned Year to Date Total Total Total Total Base Bonus Adjusted Earned 2,788 11,686 0 14,474 Go to www.thankyou.com to review your ThankYou Point balance and retleem! Bonus Points may take one to two billing cycles to appear on your statement. Please refer to the specific terms and conditions pertaining to the promotion for further details. Due to your late payment status you did not earn any points this month. To view your scheduled pa ments and payment history, sign on to Account Online using the URL on the back of your card. To view available ThankYou Points, visit www.ThankYou.com Your late fee was based on your account balance as of the payment due date (04/07/10), which was $3,099.29. C tl• 2of2 m lOitDO r)r~ O =OHO icZi~ o ~~« rn O m - c o j p p0 D ~A o D 0 N O m non °oo~ c ~ - C x :tt 0 O W N x ~,, A N m W Citi Forwards" :~ ~~~ O~ w ~ ~ ~ s: N Z ft ~ p ~ -. ~ Account Activity ~ ~ g ,~, ti Apr 10-May 11, 2010 rda O ~ 3 em y W n a+ p p ~ v ,c !: 3 p Minimum Payment Due: New Balance: Summary of Account Acti vity ~ W to o $440.23 $3,180.93 Previous Balance S314o 03 _ v ~ Lr D" Paytrtent Due Date: Payments $0 00 .. -~" w 06/07/2010 ~t ~ ~ PM dlts a ~ oo kxal o ntheprymrttd waate. Purchase t^ ~ Late Payment Nlunin¢ If we do not receive your Balance Transfers +SO 00 ~~ `g `K ~g _ ~ r1J ~ g minimum payment b~~yy the date listed above, you may have to pay up to a S39 late fee and Vour APRs may be i d t th i bl P lt PR f Cash Advances Fees Charged +$0.00 +$39 00 ;`-5 " p a ncrease up o e var a e ena y A o 29.99%. InterestCharged~~ ~~~~ +$1.90 `~ ^, p a MktYnum Payment Warning: If you make only the New Balance 3 160.93 ~ r minimum payment each period, you will pay more in , : $ o interest and it will take you longer to pay off your Past Due Amount $187.40 $~e R! balance. For example: ~,~ _„ E ~ W If you make no You will pay oft .And you will and Amt OverCredltLimit Credit Limit $18093 $3 000 e x ; p additional charges the balance shown' up pa In an Y 9 . ,. ... .. Available Credit _. _ .... . $0 a ~ -3~ a W m' using this card and on this statement estimated total ... „e a r 4 oath month you pay... ;. In about... oL_ _~_ Cash Advance limit $900 ~;~ ~ Q+ p u y Only the minimum 15 ear(s) 55,823 payment Available Cash Limit $0 300 `D _._ _ Statement Closing Date OS/li/2010 ~aa 3~= - S W $103 3year(s) 53,896 (Savings=$1,927) . _ _ __ Days in Billing Cycle - 32 c x~ # p ..-., . , . .__..._. ~~ _ p o p p ~ R~ B s N ~ p p e ; For information about credR counseiinq services, tail t-B77-337-B1B8. ;^ „ g $~ m c.+ ° °: ~ p x _ _ ~ e rn 3 ~' 3 ~ ~_ 3 + x W~ s 7 ,' ~ a N t7 w ` do y ~ ~o ~ ~ s ~ ai a i 1of2 www.clticuds.com Account Member CARL W AVERY Account Number 4128 00351693 2582 ~~ ThaekYaiu ~~ Total ThankYou Member Available Point Balance As Of OS/03/10: 0 How to Reach Us /10 1-800-866-9900 ~' ~' Customer Service BOX 6500 SIOUX FALLS, SD 57117 www,thankyou.com Log on to www.thankyou.com/statement today to check your latest point balance, redeem for great rewards, and earn more points. Categorized Purchase Activity Air Travel Auto Rental Entertainment Health Caro Lodpinq Merchandise 0.00 0.00 0.00 0.00 0.00 0.00 Mlseellaneous Organlzatlons Other Trawl Restaurants Servlees VehleNServlws 0.00 0.00 0.00 0.00 0.00 0.00 Fees Sale Post Descri~tton r ._ ._.. _ Amount 05/11 LATE FEE -APR PAYMENT PAST DUE 39 00 _ ~ ~ TOTAL FEES FOR~~ ~ ~~ ~ ~ ~ ~ _ ~~ ~- ~~~ THIS PERIOD 39.00 Interest Charged Post Descri tion Amount ..,>,~, „tee ..".>..,.,~,>. ,., ,. .,_- .,,~ ~ .....,_"..e,. O5/it ADVANCES*INTERESTCHARGE*PERIODIC RATE 1.90 TOTAL INTEREST FOR THIS PERIOD 1.90 Rate Summary Days Tnls Blllinq Period: 32 Balance Subject to Periodic Nominal ANNUAL PERCENTAGE Interest Charge Rate ApR RATE PURCHASES Standard~~Purch ~ ~" ,... _. ~ ...._..3 042.63 _ .., . 0.00000%(D) _ T '0.000% ... 0.000% ... _ „ .~,..,, ADVANCES StardartlAdu 98.32 0.6025%(D) 21.90% - . 21~.~990~~~ Citi Forwards'" "~' ?& How to Reach Us • i' i-800-866-9900 /q ~ Customer Service ' L-~ BOX 6500 SIOUX FALLS, SD 57117 Account Humber ***` **"* "*** 2582 Access your account online: www.eitieards.eom ThankYou Polnts Summary Member ID: 8910239656533904 ThankYou Polnts Earned Thla Period Catpory IMrchant Card Member Payment Base Bonus Bonus Bonus Rewards Bonus Adjusted 0 0 0 0 0 0 Total ThankYOU Points Earned This Period: 0 ThankYou Polnts Eamed Year to Date Total Total Total Total Base Bonus Adjusted Earned 2,788 11,686 0 14,474 Go to www.thankyou.com to review your ThankYou Point balance and redeeml Bonus Polnts may take one to two billing cycles to appear on your statement. Please refer to the specific terms and conditions pertaining to the promotion for further details. Due to your late payment status you did not earn any points this month. To view your scheduled payments and payment history, sign on to Account Online using the URL on the back of your card. To view available ThankYou Points, visit www.ThankYou.com Your late fee was based on your account balance as of the payment due date (05/07/10), which was $3,140.03. Your account is seriously past due and your credit privileges have been suspended. Please call the toll-free number to learn about our special payment options. Call Monday -Friday, 7 am - 9 pm, or Saturday, 8 am - S pm, Central Time. 2of2 mimnD~ n~~0 ~0~O ? ~ ~ O '~'~« cow o Ap D ct ~ a ~ 0 u, 0 m nvn °o p ~ ~m- c x D m O~t~n x rr A W m m tabWss• 2 W Citi Forwards" _ "~ <~T www.clticards.com Account Member Now to Reach Us 1-800-866-9900 /'\a ~'~' O~ p ~ u i a z w „ p - ~ CARL W AVERY Customer Service \ O 3 to ~ 3 N ~ r ' Account Activity A t N b BOX 6500 \ ~ ~ c ~ m t- rl1 May 72-Jun 09, 2010 ccoun um er SIOUX FALLS, SD oow ~ d ~ m 4128 00351693 2582 57117 o ~ 0 < ° 3 O " Minimum Payment Due: New Balance: Summary of Account Ac tivity t ~Th l Y W to o $553.73 $3,221.68 Previous 8atance $3,180.93 ^ aO t au~ www.thankyou.dom ° ~ Payment Due Date: Payments ~ l $0 OOm Total ThankYou Member Available m `0 ~7~~7~2~10 aw~ t a tir m ~ ui~PM ts d Paint Balance As O} 06/01/10: w wtt t pa wr ied Purch s s +$0.00 • ti t^ Late Payment IltrnYtgp If we do not receive your Balance Transfers ~ +$0.00- Log on to www.thankyou.com/statement today to check your latest point balance, redeem '~ ~~ ~ N ~ minimum payment byy the date listed above, you may Cash Advances +$0.00 or great rewards, and earn more points. ;.. g ~ .. g have to pay up to a y39 late fee and your APRs may be Increased up to the variable Penalty APR of 29.999(,. Fees Charged - ~ +$39.00 ,~..-~.. ~ Categorized Purchase Activity ~ ~ a O Interest Charged +~_75 Al T N A t R M E t rt t C ~~ ~ O - Yin6num Payment Iltrnln¢ If you make only the New Balance 3 221 68 r rav u o a al n a alnman an Lodglnq Haalth Marchandiss S= ~ ~ In minimum payment each period, you will pay more in , . 0.00 0.00 0.00 0.00 0.00 0.00 _F e W Interest and It will take you longer to pay off your Past Due Amount $259.30 Miseslianaous Oryanlzatlons Othar Traral Restaurants Sarvlees vehicle Sarvlcas 8g~ r ~ W balance. For example: ? Amt Over Credit Limit $221 68 0.00 0.00 0.00 0.00 0.00 0.00 •;, •S a ; If you make no You will pay off 'And you will end '• additi l h h b l h CredltLlmit $3000 t S ~ a ~ ~ ona c arges S e a anco s own up paying an using this card and ' on this statement' estim t d t t l . Available Credit __.._..._ .. $0 F ~ ~ W . . a e o a ,,... ees F= x 3 Y N x " each month you pay... In about... ot.. _.. ... Cash Advance Lirtiit ~~<.~ ~_ $900 _. 4 .. ' Sale Post Descrl tlon Amount ~tl o ,. rtl r, oniythemmmum t5 year(s) 55,824 Available Cash Limit „ „„ ,__ $0 --_._._-_, .. ___ .__...._~_~_ _ .._.. __ __. _... _.....~.,,,.._ _ 06/09 LATE FEE -MAY PAYMENT PAST DUE _....._..__ 39 00 S°~ ~ D„ payment , Statement Closing Date 06/09/2010 " ' ° " °"" "`° ~ _m a ~ I $3 930 $101 3 year(s) •-° Days in Billing Cycle 29 TOTAL FEES FOR THIS PERIOD 39.00 YSa ings $1894) p Interest Charged O o Post Desertion Amount p ~ ~~ 06/09 ADVANCES INTEREST CHARGE PERIODIC RATE ,, ~ 1.75 sm > ?> 3 O ~ ° ____ ....__W. .._..r.~.,__ ..._ TOTAL INTEREST FOR _~... _ ...,......,,. .._...... THIS PERIOD _....,.... ._...~._ 1.75 m 3 3 ~ n g ~ O ` " For information about credit counseling services, call i-877-337-8188. R t S e o~ po m w ~ ~ a e ummary l B S b t t Dayc Thls P i di N i l Bllllnq Porlod: 29 A L S S ~ 3 ~ ,. ~ a ance u jec o Interest Charge er o c om na Rate ApR PERCENTAGE Q x~ ~ .. RATE ~< 4 N ~ °- ~ PURCHASES ~o ~ if ~ S~fand~ard~urch ~~~ ~~3 081 63 ~ - O.~Od000%(D) 0.000% 0 000% ADVANCES ~~~ ~~~ :o ~ o StandartlAdv 100.14 O.Ob025%(D) 21.390% 21.990% ~o 3 ; ~ as w r lorz Citi Forwards" au t Now to Reach Us a 1-800.866-9900 ~ •w Customer Service ~ ' BOX 6500 SIOUX FALLS, SD 57117 YtSa Account Number **** **** **** 2582 Access your account online: www.cltlcards.com ThankYou Polnts Summary Member ID: 8910239656533904 ThankYOU Polnts Earned Thls Period Catogwy Merchant Card Memtar Payment Base Bonus Bonus Bonus Rewards Bonus Avusted 0 0 0 0 0 0 Total ThankYOU Polnts Earned Thls Period: O ThankYou Polnts Earmd Year to Date Total Total Total Total Base Bonus AaJusted Earned 2,788 11,686 0 14,474 Go to www.thankyou.com to review your ThankYou Point balance and redeem! Bonus Points may take one to two billing cycles to appear on your statement. Please refer to the specific terms and conditions pertaining to the promotion for further details. Due to your late payment status you did not earn any points this month. To view your scheduled payments and payment history, sign on to Account Online using the URL on the back of your card. To view available ThankYou Points, visit www.ThankYou.com Your late fee was based on your account balance as of the payment due date (06/07/10), which was $3,180.93. Your account is seriously past due and your credit privileges have been suspended. Please call the toll-free number to learn about our special payment options. Call Monday -Friday, 7 am - 9 pm, or Saturday, 8 am - 5 pm, Central Time. 2of2 0 ~~~o ~0~0 zcZi~Oo ^~« rnOm- cvjn, ~o ~~ o n 0 ut 0 m m r~ ~o n °o p ~ c N - ~xD mp 0 o~rn =w A W m _W W tltbbles' irn ~' as a m~_t~r;w~ ~'~ ~ F J ~ 01 c a ~ N'N3Nd c o u ~ u c N y N rr o m ~ m a m ~v m g~2 :g~ 3 s:~; ~ ~s~ ~ $ ~g a° ~'a Y G`~Y °~ sxa 3 ~3~ S~= 3 -aa; ~o_ ! ex~ 3 ~g Sd > ?D 3 n m3 S ~o °" o 3= n ~e .q o` 3 ~" S ~~ a W 32 Iu ;Z ut N oN mo .; O r r lv O O w rr t+ lr .~ W N Cn tL O w rll D' n.t Lrt 0 W rll lr tL U7 IlJ 0 O O 0 O O O O O 0' Citi Forwards" --_ www.cltlcards.com Account Member How to Reach Us 1-800-568-5000 /w\e ~'~' "" CARL W AVERY Account Activity BOX 06500 ervlce Jun 10-Jul 09, 2010 Account Number SIOUX FALLS, SD 4128 00351693 2582 57117 ~ Minimum Payment Due: New Balance: Summary of Account Ac tivity v $3,262.52 53,262.52 Previous Balance $3 221.68 Categorized Purchase Activity .,,..,,,._ Pa ments ~ ~-~--- , .. .......,.. ~ ~" ~0 00 Air TravN Au to Rentat Entertainment Health Caro Lodging Merchandise Payment Due Date: y ~. ~ _~ ~. . 0.00 0.00 0.00 0.00 0.00 0.00 ayment must be reeNved BOO PM ~8~1)7~201~ P ~ IoeattMr ontM payment dw date. Other Credtts Purchases $0.00 +$0.00 MlacNlaneous Organlzatlons Other Travel Restaurants Servkes VaNCleservlces Late Payment warnNq: If we do not receive your Cash Advances _..... ~ +$0 00 ~ ..,~ 0.00 0.00 0.00 0.00 0.00 0.00 3 minimum payment byy the tlate listed above, You may have to a u to a S391ate fee and our APR b Fees Charged +$39 00 g p y p y s may e Increased up to the variable Penalty APR of 29 99% Interest Charged +$ta34 Fees . . New Balance 3 262.52 Sale Post Descr~tion Amount a MNtlmum Payment WarnMq: If you make only the 07/09 °°° LATE FEE JUN PAYMENT PAST DUE 39 00 minimum payment each period, you will pay more In Past Due Amount $332.05 interest and It will take you longer to pay ofi your TOTAL FEES FOR THIS PERIOD 39.00 balance. Far example: Amt. Over Credit Limit $262.52 If you make no You will pay off And you will end Credit Limit $3 000 Interest Charged atldltlonal charges the balance shown up paying an using this card and ~ on tMs statement estimated total .... ... ~ Available Credit ~ ....._r... _ ~0 pest , . DesCr t10n ,~., ... ... , , ....,_ Amount & each month you pay_ In about . of... Cash Advance Limit $900 07/09 INTEREST CHARGED TO STANDARD ADV 1.84 Only the minimum -~ 1 month(s) 53,263 Available Cash Limit $0~ TOTAL INTEREST FOR THIS PERIOD 1.84 payment ....... __ Statement Closing Date ~......». .... 07/09/2010 Days iri Billing Cycle ~ ~ 30 2010 Totals Year-to-Date s For Information a6aut credit counseling services, call t-877-337-8188. a: ~Y Y a! 2 r') is i N ! 1ot2 Total Fees charged In 2010 $244.50 Total Interest charged h 2010 $8.89 Interest Charge Calculation Your.Annual Percentage RateAA nterest ra B ' P ) r I Percentage N tua ance SuWect to Type of Balance Rate (APR) Intenst bate Interest Charge PURCHASES Standard Purch 0.000% $3 120 63 (Oj .. _ $0.00 _ ADVANCES _ ~ . . ,u ... Standard Adv 21.9900 $101.94 (D) $1.84 Citi Forwards" ---- ~ ~~~~ How to Reach Us a 0 1-800-568-5000 /~~ ,,, *~ Customer Service ' ~r' 4 ~ BOX 6500 wfa Account Number SIOUX FALLS, SD 57117 '"*' •"` "" 2582 Access your account online: www.elticards.com Your late fee was based on your account balance as of the payment due date (07/07/10), which was $3,221.68. Help is available! Please call the toll free number to learn about our special payment options. Call Monday -Friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. Please give us the opporturnty to assist you. 2of2 0 0 nrA =~~O ? ~ ~ O r' F tnOm- cOV{ni ~ v~ n v o D O to O r m nvn ~O_+ 30D m X D C ~ O N N N om A A N dD rn A ~~ ~ ~~ ~s o ta ~ < ~ ~ ~ O 3 ~ 3 ~ m ~ V ^ c y 3 d ~ ~ c~ N y N n G O ~ < !e. o 0 3 11J a s' ° ~ a . . • r 0 0.. m ~B W LJ1 ~~ ~ ~ ~ _ ~~~ W - ~ t ~_ >; w Ss a iY ~ 3~~ ~~ _ ~ O W ~3~ 0 u - W sa3 3 ~ M X' (1J 44 ~~E f 0 0 - o 0 O O '~ _~ ~ ' n o ~ ; 3 C m~ :' ow ~ ~ ~~ W ~ to 2 Q ~ Y _ ~` o ~`3 ~ $ 3+ G N' ~ A 2 N t 1 '~ ° 9 . l'1 S ; or ~ 's o. a b = Citi Forwards" ,` rir. www.cltlcards.com How to Reach Us Account Member 1-800-756-4000 /aa\a ~' ~' "" CARL W AVERY ,,vice Account Activity 1+lSA BOX 6500 Aeeount Number Jul 10-Aug 10, 2010 SIOUX FALLS, SD 4128 00351693 2582 57117 Minimum Payment Due: New Balance: Summary of Account Ac tivity $3,303.52 $3,303.52 Previous Balance S3 262 52 Categorized Purchase Activity Payments ~ $000 Alr Travol Auto Rental Entertainment Health Caze Lodglnq Merchandise Payment Due Date: ,_.._ _ ~ ~ 0.00 0.00 0.00 0.00 0.00 0.00 aymeM moat a neNVea x00 PM 09/7/2010 IPaealtlmeantM a rrwMdwdah Other Credits Purchases ~~~ _ ~0 00 ~~ +0 00- Miscellaneous Organlzatlons OtMrTravel Restaurants services VMicleServkes p y . Cash Advances~~ ~ . _ +$000 0.00 0.00 0.00 0.00 0.00 0.00 Late Payment iNarMnq: If we do not receive your _...._. .____.._. minimum payment byy the date listed above, you may have to pay up to a y39 late fee and your APRs may be Fees Charged I t t Ch d +$39.00 $2 00 Fees Increased up to the variable Penalty APR of 29 9996 n eres arge + . . . New Balance 3,303.52 Sale Post Description Amount um Payment MfarnYtg If you make only the 08(10 LATE FEE JUL PAYMENT PAST DUE 39 00 minimum payment each period, you will pay more in Past Due Amount $404.89 ..... ~... ..-_.,... _ M_..,~„ interest and It will take you longer to pay off your TOTAL FEES FOR THIS PERIOD 39.00 balance. For example: Amt. Over Credit Limit $303.52 If you make no You will pay ott Ana you will ena Credit Limit $3 000 Interest Charged additional charges the balance shown: up paying an using this card and ~ on this statement estimated total Available Credit , $0 ~~ Post Description Amount each month you pay...; in about... of _ Cash Advance Limit $900 08/i0 INTEREST CHARGED TO STANDARD AUV 2 00 Onl the minimum ~ ~ ~ y 1 month(s) 53,304 '~"'" Available Cash Limit ~~ ""~"' ~ $0 TOTAL INTEREST FOR THIS PERIOD 2.00 payment . _w_,~_.. ... ._...._ _...__ ......... Statement Closing Date 08/1~/2010~ Days in Billing Cycle 32 2010 Totals Year-to-Date Total Fees charged Yt 2010 $283.50 Total Interest charged h 2010 $10.89 For information about credit counseling services, call t-877-337-818a. Interest Charge Calculation Vour Annwl Percentage Rate (APR)is the annual interest rate on your account ~ AMtual Percentage Balance Sublectto Type of Balance Rate (APR) Interest Date Interest Charge PURCHASES _ .. , . Standard Porch 0.00096 $3159 63 (D) $0.00 ADVANCES StandardAdv 21.99096 5103.86 (D) $2.00 tof2 Citi Forwards" -. - ~~ u rte, Account Number **** **** **** 2582 NOTICE OF CLASS-ACTION SETTLEMENT THIS NOTICE MAY AFFECT YOUR RIGHTS. PLEASE READ IT CAREFULLY. A settlement has been reached in a class action alleging that Citibank (South Dakota), N.A. increased periodic rates due to delinquency or default without prior notice. You may be a member of the settlement class. To obtain information regarding the settlement, please go to http:/Iwww.casenosacv06571.com Your late fee was based on your account balance as of the payment due date (OS/07/10), which was $3,262.52. Help is available! Please call the toll-free number to learn about our special payment options. Call Monday -Friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. Please give us the opportunity to assist you. How to Reach Us 1-800-756-4000 Customer Service BOX 6500 SIOUX FALLS, SD 57117 Access your account online: www.clticards.com C tl~ 2of2 0 =zrO zy~Oo ~n«_ m~mw CZ~p ~~ n 0 DO ~m O u to n O t fn ~w a r~vn ~O-i won qox~ N N ~ 2 O~ A A N m N a A tatlibkr ~_ / ' Citi Forwards" ~~~~ www.clticuds.com How to Reach Us /"\o Account Member 1-800-925-8871 /'~'~' CARL W AVERY ~ N ~ V• 2 a ~ < ~ p ~ ervlee 0 ~ ~ O 3 fr _ ~ to .I r ~' Account Activity 6500 BOX Account Number F S SD m O ro ' ~ 3 }o m m ti ~ Aug 11-Sep 09, 2070 SIOUX ALL , 4128 00351693 2582 57117 N N O `m ~ ~ 0 3 p Minimum Payment Due: New Balance: Summary of Account Acti vity „ ' W to - $3 303.52 $3 303.52 r Previous Balance $3,303.52 Important Changes to Your Account: We changed our fee structure. This change does not result . . r in an increase in fees and in many cases will reduce the fees you currently pay for late and o ~ Q' Payment Due Date: Payments ~ " $0 00 ~ returned payments. Below, we summarize the new fee structure that began on 08/22/2010. m W PM 10~07~2~10 p a ~ t ~ t ~ ~M w Y 0 0 Ot he dits I o eal tkrle o n ll p d d a te . 1 ~ 5e +50.00 Late Payment Fee ° to a' Late Payment INrninq: If we tlo not rece(ve your Cash Advances .___ F Ch d +$0 00 ~~+~"0 00 For the first late payment: - Up to 15 on balances up to 100.00 < ? ~ ~~ rU ~ minimum payment by the date listed above, you may h t l t f f t $35 ees arge ~ 00 and over to 525 on balances of $100 - U x~° g ave o pay a a e ee o up o and Vour APRs may be increased up to the variable Penalty APR of 29 99% interest Charged +$0.00 p . $`-~ p . . New Balance 3,303.52 For each additional late payment during the next six billing cycles: a~: W - MlnYnum Payment warning: If you make only the - Up to $15 on balances up to $100.00 ° p minimum payment each period, you will pay more in Past Due Amount $478.89 _ Up to $29 on balances of $100.00 up to $250.00 i~ e ': ^ ° W interest and it will take you longer to pay off your b l F Amt. Over Credit Limit $303.52 - Up to $35 on balances of $250.00 and over ag a ~ In a ance. or example: y j ~ ti If you make no You will pay oft i And you will end Credit Limit $3 000 Return Payment Fee a5 ~ ~ ° p additional charges .the balance shown up paying an _... ,.._ ._ ...~. . bl dit A il C , ..._.._........._ ... ~0 - Up to $25 for the first returned payment - a ~~r 3 w 3 ° F using this card antl s. on this statement estimated total each month ~ in about ou a f va a e re C h Ad Li t $900 ~ - p to $35 for each additional returned payment during the next six billing cycles ~ dX S W p tt , y... ... o y p ... Only the mnimurn 1 month(s) $3 304 as van e mi Available Cash Limit $p` If you have any questions about the impact to your account, please call a~~ 3 W In , payment _ ___ __ Statement ~loslnq Dale 09/09/2016 1-800-925-8871. so a" $ ftl Days in Billing Cycle , 30 Cetegorized Purchase Activity _ _~ ~ p Alr TfavYl Auto Rental Entertainment Health Care LOdQlnq Merchandise z' ~ p 0.00 0.00 0.00 0.00 0.00 0.00 0 p ~ Miscellaneous Organizations OtherTravN Restaurants Services Vehicle Services p For tnformatim about cretllt counseling services, call 1-877-337-8188. 0.00 0.00 0.00 0.00 0.00 0.00 °d ~ An ^m p ~ _ 3 ~ n 3 ' ~ p ~ ~ Fees w $ g ~ m w p E E Sale. _ Post ,. Description„ ,,,, , ,,,,,,,,,,, , ,,,, ,,,,,,, ,~, ,..._,,, Amount c ~ `p ~ 3 TOTAL FEES FOR THIS PERIOD 0.00 ~ 6 w~ ~ a ~ N .'. to ~ a -• Interest Charged a N l'1 ~ Post Description Amount v`u, ~ ~ TOTAL INTEREST FOR THIS PERIOD 0.00 do ~ o ~ (~ 3: Q ; N >; 1 Of 2 Citi Forwards" ~. ire .. .. .__.~ ma =` How to Reach Us 1-800-925-8871 Customer Service BOX 6500 Account Number SIOUX FALLS, SD 57117 **** **** **** 2582 Access your account online: www.clticards.com 2010 Totals Year-to-Date Total Fees charged L1 2010 $283.50 Total Interest charged lh 2010 $10.89 Interest Charge Calculation Your Annual Percentage Rate (APR)Is the annual interest rate on your account. Annual Percentage Balance Sub~ectto Type of Balance Rate (APR) ..~._~_.~__-...,.~.._.._.-..~. e Interest Rate _.n__ _-__m.__ Interest Charge _ . . PURCHASES ...._.. , . Standard Purch 14.240% (V) $0.00 (0) $0.00 ADVANCES Standard Adv 21990% $105 81 (D) $0.00 Help is available! Please call the toll-free number to learn about our special payment options. Call Monday -Friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. Please give us the opportunity to assist you. Cltle 2of2 VERIFICATION The undersigned verifies that the statements made in the foregoing Complaint are true and correct based to the best of his/her knowledge, information and belief and understands the statements therein made are made subject to the penalties of 18 Pa.C.S. sec. 4904 relating to unsworn falsification to authorities. Harry A. sser III President, emit Corporation IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA REMIT CORPORATION, Assignee of Unifund CCR, LLC, Plaintiff vs. CIVIL-LAW CARL W. AVERY, :DOCKET NO. Defendant AFFIDAVIT OF NON-MILITARY SERVICE The Defendant is not now in the Military Service, as defined in the Soldier's and Sailor's Civil Relief Act of 1940 with amendments, and has not been in such service within thirty days hereof. Dated this.2~o day of~~/~~/~ , 2013 Raymo .Kessler, Esquire Attorney ID 309802 36 West Main Street Bloomsburg, PA 17815 Phone: 570-387-1873 Fax: 570-387-6474 Department of Defense Manpower Data Center .7~'S~ wit ~0 ~'+~'V'1G ~1Vil ~~ Last Name: AVERY First Name: CARL Middle Name: W Active Duty Status As Of: Feb-21-2013 Results as of :Feb-21-2013 12:30:04 SCRA 2.3 On ACWe DuEy On Active DWy'3Uhte DaOa Actlva Dury9tart Date Active'Duty Errd Oaa6e Stahte ServloeEkmporront. NA NA No NA This response reflects ttrelndivkluals' active duty status based on the Active Duty Status Date L4R Active Duty Wghtn 3B7 Gays of Ac1Hs Duty Status Deb Active Duty Start Dela Active Duly End Date Smd,s Servfae CortgtoneM NA NA No NA This response reflects where the indMdual left acfivq duty stglus within 387 days preceding the Active puty Status Date The Member'or HlelHSrUnlt Wee NoflfleC of a FUbue CdWp m Atdl`re Duty on AdkeDury SIQAw Dale Order NotClcatlon Staif Date Order Nodflcatlon End Dats Stable Service Component NA NA No NA This response reflects whether the {ndhndual or hialher unit has received early notiflcation to report for actve duly Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. ~~ ~-~... Mary M. Snavely-Dixon, Director Department of Defense -Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual ref®renced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL: http://www.defenselink.mil/faq/pis/PC09SLDR.html. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 521(c). This response reflects the following infonmation: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: RH3HVE184A IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA REMIT CORPORATION, Assignee of Unifund CCR, LLC, Plaintiff vs. CTVII.-LAW CARL W. AVERY, :DOCKET NO. Defendant CERTIFICATION OF ADDRESSES I certify that the precise address(es) of Plaintiff and Defendant(s) are as follows: Plaintiff: Remit Corporation 36 West Main Street Bloomsburg, PA 17815 Defendant: Carl W. Avery 85 Longwood Drive Mechanicsburg, PA 17050 Respectfully submitted, Raymond W. Kessler, Esquire Attorney ID 309802 36 West Main Street Bloomsburg, PA 17815 Phone: 570-387-1873 Fax: 570-387-6474 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY~~ COMMONWEALTH OF PENNSYLVANIA ~' ~...~ ,. ~ `"'• ~ £'r'S i'~1 ; Y ~ f REMIT CORPORATION, ~:r ~..., ~ Assignee of Unifund CCR, LLC, -<,,~ '' , ~'=~~, Plaintiff r "~~ ~' ~~ ~` c, ; > ~ ~ y~. . y.rI y.~V.. } ,~= ~ ~ vs. :CIVIL-LAW , ., _ ± y CARL W. AVERY, :DOCKET NO. 1 ~ ~l ~ / /C~f~ //~ Defendant ENTRY OF APPEARANCE Kindly enter my appearance on behalf of Remit Corporation, Plaintiff, in the above captioned matter. Respectfully Submitted, RAYM W. KESSLER, ESQUIItE Attorney ID 309802 36 W Main Street Bloomsburg, PA 17815 Phone: 570-387-1873 Fax: 570-387-6474 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson RILEU-QFFICt Sheriff rte OF THE PROTHONOW' Jody S Smith Chief Deputy 2013 MAR 18 AM 9: 51 Richard W Stewart Solicitor OFFICE OF THE SHERIFF CUMBERLAND coUNTY PENNSYLVANIA Remit Corporation S. Case Number Carl Avery 2013-1091 i W Ave SHERIFF'S RETURN OF SERVICE 03/0412013 Ronny R Anderson, Sheriff, being duly swom according to law,states he made diligent search and inquiry for the Within named Defendant to wit: Carl W Avery, but was unable to locate the Defendant in his bailiwick.The Sheriff therefore returns the within requested Complaint&Notice as"Not Found"at 85 Longwood Drive,Silver Spring Twp.,Mechanicsburg, PA 17050. Deputies were advised by the current resident that the defendant may be residing in Gatesville, MD or Edgewater, MD but has not resided at this address for quite some time.The Mechanicsburg Postmaster confinned that the defendant is not known at this address and was unable to provide a forwarding address for the defendant. SHERIFF COST: $43.00 SO ANSWERS, March 12, 2013 RbNW R ANDERSON,SHERIFF (c)CountySuite Sheriff,Teleosoft hic.