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HomeMy WebLinkAbout13-1443 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLV NIA STATE FARM BANK NO. ON E STATE FARM PLAZA BLOOMINGTON,IL 61710 PLAINTIFF vs. COLLEEN SMITH 348 PLUM ST LEMOYNE PA 17043 DEFENDANT(S) c NOTICE TO DEFEND ' You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice is served, by entering a written appearance, personally of 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 reliefrequested 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 F-,LIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland Co. Bar Association 32 South Bedford Street Carlisle, PA 17013 800/990 -9108 O C-ol F - _,E NO. 0007730 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA STATE FARM BANK NO. ONF STATE FARM PLAZA BLOOMINGTON.IL 61710 PLAINTIFF vs. COLLEEN SMITH 348 PLUM ST LEMOYNE PA 17043 DEFENDANT(S) NOTICIA LISTED HA SIDO DEMANDADO /A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes paginas, usted tienen que tomar acci6n dentro veinte (20) dia.s despues que esta Demanda v Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defensas o objeciones a las demandas puestas en esta contra usted. Usted es advertido que si falla de hacerlo el caso puede proceder sin usted y un j ulgamiento puede ser entrado conta usted por la Corte sin mas aviso por cualquier dinero reclamado en la Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. Usted puede perder dinero o propiedad o otros derechos importante para usted. 1 JSTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED NO TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN ABOGADO. SI LISTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS. QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. Cumberland Co. Bar Association 32 South Bedford Street Carlisle, PA 17013 800/990 -9108 NC. 10007730 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COITNTY, PENNSYLVANIA STATE FARM BANK NO. ONE STATE FARM PLAZA BLOOMINGTON,IL 61710 PLAINTIFF vs. COLLEEN SMITH 348 PLUM ST 11MOYNE PA 17043 DEFENDANT(S) COMPLAINT 1. The Plaintiff is State Farm Bank (hereafter "State Farm ") with a place of business located at ONE STATE FARM PLAZA, BLOOMINGTON,IL 61710 2. The Defendant, COLLEEN SMITH, is an adult individual, residing at 348 PLUM ST, LEMOYNE PA 17043. CUMBERLAND County. 3. Plaintiff issued a credit card account to Defendant, and at all relevant times. Defendant was the holder of a State Farm credit card (the "Card ") that enabled Defendant to charge items to a State Farm Account (the "Account "). 4. At all relevant times, Defendant was the basic cardmember on the Account, and was responsible for paying all amounts charged to the Account. 5. A credit card agreement (the "Agreement "), outlining the terms and conditions associated with said account, was provided to Defendant during the time period in which the Card was utilized and maintained by Defendant, and therefore. Defendant assented to the terms and conditions contained therein, and a true and correct copy of the Agreement is attached hereto, and incorporated herein, as Exhibit "A ". 6. By accepting and using the Card, Defendant agreed to all of the terms and conditions set forth in the Agreement, including the following: a. Defendant agreed that, as the basic cardmember. Defendant is liable for all amounts charged to the Account. b. Defendant agreed to make the "Minimum Payment" (as that term is used in the Agreement) due each month, for charges on the account, by the payment due date indicated on the monthly billing statements mailed by or on behalf of State Farm. A true and correct copy of the statement(s) is /are attached hereto, incorporated herein and marked as Exhibit "B ". F E, X10. 000 130 c. Defendant agreed that if the payment was not made by the payment due date indicated on the monthly billing statements, State Farm may assess additional fees per the terms of the agreement. d. Defendant agreed that in the event of default, Defendant would pay all reasonable costs, including reasonable attorney's fees, incurred by State Farm in collecting the balance due, including finance charges and delinquency fees, and in protecting itself from any harm it may suffer as a result of the default. 7. Defendant used the Card to charge various items to the Account. 8. State Farm issued and sent to Defendant the Account Statements. which set forth in detail all items charged to the Account, and the total amount due and owing by Defendant to State Farm. Count 1 - Breach of Contract 9. State Farm incorporates by reference the averments of paragraphs 1 through 8. 10. Defendant failed to make the minimum payment specified on the statements. 11. By reason of the foregoing, Defendant breached the Agreement with State Farm. 12. As a result of the breach, Defendant is personally liable to State Farm for the sum of S4.733.83. See Exhibit "B" as previously identified and incorporated herein. 13. Despite due demand, Defendant has failed and refused to pay State Farm any portion of the amount due and owing. 14. As a result of Defendant's failure to pay the amount that Defendant owes. State Farm referred its claim to outside attorneys for collection. 15. By reason of the foregoing, State Farm is entitled to judgment against Defendant for breach of contract in the sum of $4,733.83, plus costs. F I -,E NO. 10007730 WHEREFORE. State Farm demands judgment against Defendant on Count 1 in the sum of S4.733.83, plus costs. Respectfully submitted, Amy F. Doyle, E wire PA Supreme Court ID 87062 Doyle Legal Services, LLC 11 East Market St., Ste 102 York, PA 17401 717- 885 -0718 877 - 202 -9420 717 - 885 -0726 (facsimile) Counsel for Plaintiff N0. 10007730 VERIFICATION I verify the facts set forth in this Complaint are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa-C-S,. § 4904, relating to unsworn falsification to authorities. I am an employee of State Farm Bank employed in the position of Specialized Collections Rep., and in my capacity as Specialized Collections Rep., for State Farm Bank, the Plaintiff in this matter, I am authorized to make this verification on their behalf. 71 ,r Date; Jennifer R. ?-ofiections Vinsel (employee of State Farm Bank) Specialized Rep., State Farm Bank COLLEEN SMITH STATE FARM BANK FINANCE CHARGc .raer mrs Agreement may increase t the Prime Rate increas= . T'x2 :elect of an increase in the Prime Rate CREDIT CARD AGREEMENT AND will be Agreement W amc of the ANNUAL PERCENTAGE DISCLOSURE STATEMENT RATES every mom,:. oaszd o he Prime Rate publshed in he The Parties o this Agreement Money Rates" -bie n Tl�e Wall aIreet Journal wo days prior to In this Credit Card Agreement and Disclosure statement (this year stn ement closing date for the baling chide. tt two or rates Agreement'), Una words "you' and your' refer to each person who Prime Rates are published an teat day. the highest of hose rates requests that ,t issue a Visa' credit card (a "Card ") to that person or will se used to calculate Ufa rates of the FINANCE CHARGE Under for use by another person, If two or more persons request that we his Agreement If two days peer to your W ,, p closin rite issue credit cards on the same credit card account ( "Account"), the b a day on which The Wall Street Journal W as rot publi the words "you and "yow' mean each and either of those persons, previous business day cn which The Wall Street Journal was individually, and also all of those persons. jointly and severally. This " published will be used if The Wall Street Journal ceases words 'we'. "us ", "our and "State Farts Bank mean State Farts publication, or rro anger ; ublhhes he prime rate, or changes the Bank F.S.B., a federal savings bank Located in Bloomington, Illinois, manner co which is Anmz rare i ;nn in e in we may select t ra Daniel i F.S.., additional terms are contained m other paragraphs al another comparable index of shot tom interest tes to be the Prime Rate° under this Agreement. The saw ANNUAL this Agreement PERCENTAGE RATES, and the new dadv periodic rates calculated Your Acceptance of the Terms at this Agreement by mul ipying he new ANNUAL PERCENTAGE RATES by 1;'365, If you apply for a Card from us, or use a Card we Issue to you, or use W ill apply to your Account beginning on the first day of the next to rite C u r with your Card ' on if ono her Per il be ANNUAL PERCENTAGE RATES were the alculated, and will continue ThP deemed to have accepted and agreed to all of the terms and to apply until new corresponding g daAly per d cEate Ear�eA alcu E a s cond of this Agreement become effettwe in the mental described in this paragraph. The n you do not wish to be bound by the terms and conditions of this new ANNUAL PERCENTAGE RATES and the Corresponding new Agreement, do not use the Card or authorize another person to use I. daily periodic rates may apply retroactively to the first day of the Instead, cut all of the Cards in two and return them to us. billing Cycle, and transactions that occurred during the billing NseYour Card cycle both prior to and armor the date the new ANNUAL Now to Subject U the teens of this Agreement, we will make bans to you at PERCENTAGE RATES Were calculated may be subject o he new to our offices in Bloomington, Illinois when you use your Card (which ANNUAL PERCENTAGE BATES and the corresponding new dairy term as us =.d in this Agreem includes use of the account number Calculating rig entire billing e Ave peDeity B We calculate an - average associated wthyour Card) as follows: daily balance" separately for Purchases ;excluding introductory (a) Purchases, You may use your Card to purchase or lease goods period Balance Transfers). Cash Advances, introductory period or services ( "Purchases') from merchants who honor Pisa credo Balance Transfers, and any special rate offers (as applicable). To get cards, hasr•cash transactions, described below, are deemed to the "average daffy balance" of your Account for each of these types be Cash Advances and not Purchases. of transactions, WA, take the b balance of your Account each (b) Cash Advances. day, add any new Purchases (excluding introductory period Balance fers or (t) You may use your Card to obtain a Cash Advance at most athe� ers), C offers (es anductorj period o any Payments banks that display the Visa logo. of N.) andsu underthe ayment (2) You may use your Card, in conjunction with the personal and Credits applied to that type Cash Advance number (PIN') taller Issue t es y ("A to 01 that eac o f these h typ s of transa to s � �Cndh balances a ated f as ) l a in a allocation bear the Phis' logo, The operator tl the ATM may add t zero for purposes of calculating the daily balances.) Then, we add all son thesurcharge will be part of V the Cassh & arged o o ransaction and divide the esp ttotals for each Of these by the number of s In your Account, the billing cycle. This gives us the 'average daily balance' for your 3) You may use your Card to establish overdraft protection on a Account for each of lisp types balances include current transactions for pu rchases c i for pu rchases The average daily checking account if permitted by your financial institution. Balance Transfers) and for Cash Advances, except thhat at I t h e You obtain a Cash Advance each time your Card is used to previous Balance of your Account was zero or a credit balance, or it fund such overdrafts. the total of Payments and CredhS posted to your Account during the a) We may send you blank forms of convenience checks or billing cycle equals or exceeds the Previous Balance, Purchases cash advance checks ("Checks) from tine to time. If we do, posted to your Account during the billing cycle are not included in the you may use a Check to obtain a Cash Advance by signing daily balances of Purchases for purposes of calculating the dance and completing the Check in accordance with the terms on Charge. the Check and an written materials that accompany it yo obtain a Cash Advance each time you use a Check and we Cash Advance a Transaction Cash Advance Finance Charges: If you we your pay t when it is presented to us, including wt*n you use a FINANCE CHARGE equal o3Aci the U.S, dollar amount of the Cash Check to purchase or lease goods or services. Advance, subject to a minimum fee of SS (5) You may obtain a Cash Advance w hen you use your Card for items that are convertible to cash or snnNar cash -like Convenience Check Transaction Fee Finance Charges: If you write transactions that we may designate from time to time. a Convenience Check issued by State Farm Bank against your including wire transfer money orders . other money orders , Account we wig assess a transaction tee FINANCE CHARGE equal to travelers checks, or foreign currency (so -Caged "quasrcash' 3% of the U.S. dollar amount Of !.he Convenience Uheck, subject to a transactions). However, your Card may not be used to minimum fee of S5, obtain, and we will not honor requests for, a Cash Advance In Balance Transfer Transaction Fee Finance Charges: If you make a the form of casino chips, bets or wagers, gaming transactions Bonce Transfer to your Account we will assess a transaction fez (including Internet gambling), lovely - tickets or the like. FINANCE CHARGE equal to 3% of the U.S. dollar amount of the ;6) Certain establishments may cash your personal checks upon Balance Transfer transaction, subject TO a minimum tee of $5 and a presentment of your Card. In the event we are required to pay maximum fee of 575. Me amount of a check cashed in this manner because your ch is tera paid for a the , we theargekand Card tto I ansactlma viill any processing charge we sour. transaction fee FINANCE CHARGE equal In 1% of the U.S. dollar amount of the transaction. An international transaction Is defined as (c) Balance Transfers. You may use your Card to ransiv balances any transaction that was acquired In any country oohar than the from other accounts to your Card Account with us to Balance United States. Transfer'). When you request a balance transfer, we will write our check or banter funds to your other creditor. The amount of on purchases charged to your the Finance Charge: r tin t and Acton of the FINANCE llure the FINANCE CHARGE our check or funds transfer wig be the amount of your Balance on Purchases ha hae Transfer. Balance Transfers are deemed to be Purchases and not CHARGE on Cash Advances crged d to your r Account by multiplying Cash Advances. However. Interest may begin to accrue as of the each of the "average daily balances` of your Account by the date the balance is transferred to your State Farm Bank credo applicable daily pedot is rat: and then by the number of days in the card Account. Balance i ransfar transactions will not be billing cycle, and by adding the resulting products together, We then Cash Advance transaction fee FINANCE CHARGES processed eposit aecounL a pay able t a State Farm t Ba k credit�oar� d account. g calcul d as provided above,, any Convenience heck transaction tee such a Balance Transfer is processed. Stale Farm Bank reserves FINANCE CHARGES calculated as provided above, any Balance the rlghtto convert the transaction to a Cash Advance. abo and any Inter ation oo fee FINANCE CHARGES Credit limit calculated as provided above. If the FINANCE CHARGE calculated in We will establish a credit limit for your Account from time to lime. this manner is more than zero but less than 50.50, a minimum Your credit limit will be shown on the initial Card mailer and on each monthly FINANCE CHARGE of 50,50 will be charged to your monthly Statement of your Account, The total amount of credit Account We may at our election waive the FINANCE CHARGE on outstanding on your Account at any time must not be more than your small Account balances . then current credit limit, We may also establish at any time a your credit Account)fo Advanc 11 we overall credit Cash that has Reen o Evaluation; at least sly months hs will be s object to a credit card account Advance balance at any time must not exceed the Cash Advance periodic rate evaluation. It as a result it this rate evaluation t m is IimiL We may change your credo limit or limits from time to time. determined or any other c edi or, that you r have l State exceeded any edit line We VAR attempt to notdyyou tale do. assigned to you by State Fart Bank, or that you have made a Exceeding Your Credit limit payment to State Farm Bank that was not honored by your bank, If you request credit in any form 'which. t granted, would cause ether all balances Bank lc at r increase the de RCEN omti�t rig the your total outstanding balance ed your Cash Advance Posted 10 adjusted ANNUAL PERCENTAGE RAT p (including, in either case, authorized transactions not yet posted to ES, State Farm Bank may your Account) to exceed your credit limit or your Cash Advance credit consider the length of time your Arcount has been open. the severity I; n or any other c+edit s•uit vi bli e esta fish for your Account and liming of any Account default ordel:nquercy, as well as AccoUni , 6.aher or fat such balances hetwe 1e n q>es' tv z - spective credit to we may at our elactorc ': 'wnor the due . se „ay riirnr =.dilly Payment Due Each Month ,;P6ut pemtanerdh increasing yocr credr. , inn t ?f 110 'Or f. .quest aria net tie aznorrd which is rtwe that yo.r -111 ;mil is 1 , d Ln it se , i;ay us the amounts of all credit you obtain (inckrktg mmieddaaefy due: or f3j refuse m home trz requer m donee tc a. -V use^ un it ink aAd all nee Charges as provided in this donor a Check or Balance Transfer we may advise ire n�rsun 1W. ; "s', v xr " myce amourns refused, that there are ssuf and at presenting the Check or Balance Tansler that credit has bs,ln A':pt s Y l.r a i 9 n tl s mak emeur p t a ime i6 cf dta essence• fieiernt fu os to pay the Check or italao.: Transfer o° in any other matmer. 'f we dead= to horor :.rh a Ne Nr I jov oa a statement of your Account at approximately request. we may assess ar Overlimit Fee as arov ad r Ih > - ?onihtr r,lerv:u; i here has be-n activity on your Account afmaNe Agreement :hedge is assessed during the preceding mor h. crtnere is a balance ,nail %r ieor7 in your Account exceeding S1, unless we deem your 11 ve have previously honored regress far ere@ m exce� =r your count to Dz incoflechbls. or we nave instituted delinquency credit ftma, that dyes not man that rfr wN Inn-` hrfine' ,Qitior procedures, or famishing the statement would violate r- quests. ederal law. You may pay arty amount up to the erltQa unpaid balance FINANCE CRAKES me 'Ner Balance') of your Account at arty lime. You must pay When periodic Rate Finance Charges Begin to Accrue: monthly statement by the by Date shown on the rat Pnrebt[ses. Periodic rd4 a Charge not accrue on new stateroom The Minimum Payment due each month for Accounts is Puaittese posted to your Acco during the ciu ant billiN cyci- xhe sum of all past due amounts plus 1% of the New Balance of your it the New Balance, d arty, shown on the non* statement for Account plus the amount of any Account Fees and FINANCE the previous biletg cycle was a dredilt balance crzero or was paid CHARGES posted to your Account during the bNing cycle, or S10, in full by its Polymer[ Due Date. it the New Balance was not a credit balance or zero and was not paid m full by its Paymart Due whichever s g eater (or the entire New Balance d less than S10). OM periodc rite Finance Charges on each Purchase (including Payment Cue Date will be at least 20 days after the Closing Date Balance Transfers) will accrue daily from the transaction date shown on your monthly statement. If you overpay. or'd a cr ad o until thF dale each Pu r9wse d>omptetely repaid according to ih- balance u otherwise created in your Account, we will not pay barest an such amounts Your payments are not de to be r eceived paymentallo„�onmethodtlrenineftect mentof until they are posted to your Account �t to rn mamttly saMm � Charges rge (bi Avoiding Finance on Nee' Purchases. You.may avoid a your Account for details on timely po p4mie Renee Cha onPurchasasfas tpostedtoyDurA=tmiduring payment made in U.S. dollars, accompanied by the payment i the billing ,-ye a if you pay fie entire New Balance of your remittance stub, using the envelope enclosed with your monthly i Account not later than ire Payment Due Date shown on the_ statement or io the payment address provided. The crediting of no- ,rftSet nrerrclyourAccamtforthatb3imgcyeie payments sere to any location other than the payment address or (c) Cash Advances. Periodic rate Finance Charges on eacr. Cash received in any other manner may be delayed. Do not send Advance will accrue daily from the transaction date until the data correspondence of any type to the payment address. When you each Cash Advance is cwmpl = -tely repaid according to the provide a check as payment, you aunorize us either to use paymemalocation methodthen m effect information from your check to make a one -time electronic fund i (d) T ransac ti on Oates for Certain Transactions. The transaction transfer from your account or to process the payment as a check ' date for Cash Advances obtained by a Check is the date %Ne transaction When we use informaion from your check to make an process the Chec: electronic fund transfer, the funds may be Waltdrawn from your j Periodic Rates of the Finance Cbarqe: The periodic rates we use to account as soon as the same day we receive your payment and you 1 compute all or a portion of the FINANCE CHARGE on your Account wll not receive your check back from your financial Institution For inquiries about your account, please cal us tall -fre at 1- 877 -SF4- i are described below: VISA I1-877- 734.8472) or wise us at PO Box 84062, Columbus. (a) Rate of Finance Charge on Purchases. With respect to all Georgia 3 Purchases (mduding Balance Transfers): (1) Preferred Pricing. your payments will lea r9pcated among the charges on your Account i The chin irate we use in w hich i the FINANCE t CHARGE in the manner we determine, without regard to any contrary on al Purchases r> a variable ate which ri 1ng o s tn a the sum ci the Prim: Rate plus the Preferred Pricing spread ale for Instructions from you. In most instances, we will allocate your Purchases, Am ondch was rg ANN P ERCENTAGE ENTAGE RATE TE of IN card NANCE CE Wore balances with APRs. This will result in new balances The CHARGE is die P n@UAL PENTAGE Als FINANCE with a lower rate of interest being paid before any other existing I CHARGE is Prime Rate u the referred Prising spread tali for Purchases. The minimum Preferred Pricing ANNUAL balances. Even though your payment may be credited to your i PERCENTAGE RATE of the FiNAl10E CHARGE Is 9.99`0. The Account in the biting cycle in which the payment is received. you; j minimum daily periodic rate used to compute the FINANCE available credit may not be increased by the amour: of IN payment CHARGE on Puticheses is 0.0274%. (2) Default Fnana. If you until your payment has cleared. fail to make a minimum monthly payment by the payment due lt you pay more than the Wrimum Payment due, we will apply the date, exceed your creditlmil or make a payment to us that is not excess payment amount to educe your total outstanding balance. honored, vie may increase the ANNUAL PERCENTAGE RATE on and you will continue to be obligated to make any Minimum Payment all account balances (including any promotional rate). In in succeeding months. determining the adjusted ANNUAL PERCENTAGE RATE, we may We can refuse to accept payments not denominated in U.S. dollars or consider the length of rise your Account has been open, the not drawn on a domestic office at a U.S. bank You agree not to use i severfry and timing of any Account default or delinquency. as well a State Farm Bank Balance Transfer, Convenience Check. Cash as Account usage and performance. if Default Pricing is applied Advance Check, or the proceeds of a Cash Advance to make any to your Account it wig become effective with the first day of the payment on your Account. next billing cycle and tit-: dally periodic rate we use to compute Our Right to Require Immediate Payment the FINANCE CHARGE on Purchases is a variable raw which is You will be in default and, at our election. we can require immediate 11365th of the sum of the Prime Rate plus a percent not to a ment of al amounts you owe us without notice or demand d: exceed 20.99 The corresponding ANNUAL PERCENTAGE ? 1 You fad to pay any amount owed under this Agreement exactly RATE of the FINANCE CHARGE is the Prime Rate plus a percent when due: or (2) you exceed your credit limit. or if we have notto exceed 20.99%. established a separate Cash Advance credit limit or other credit (b) Rate of Finance Charge on Cash Advances. With respect 10 all subilmit tot you. your outstanding Cash Advance balance exceeds Cash Advances: (1) Erg died Pdcind. The dad pericdk rate we your Cash Advance credit limit or you exceed any other credit use to compute the FINANCE CHARGE on all Cash Advances Is a sublimit; or (3) you fail to abide by any other term of this Agreement: variable rate which is 11365th of the sum of the Prime Rate plus or (4) you default on any other credit obligation you have with us or the Preferred Pricing spread rate for Cash Advances, which was with another creditor, or (5; your ability to pay us is materially previously disclosed on your card carrier. The corresponding mpaired (including, without limdation, if you file or have filed against ANNUAL PERCENTAGE RATE of the FINANCE CHARGE is the you as debtor a proce4ng under any chapter of the Bankruptcy Prime Rate plus the Preferred Pricing spread rate for Cash Code). Advances. The minimum Preferred Pricing Cash Advance Collection Costs ANNUAL PERCENTAGE RATE of the FINANCE CHARGE is 19.99%. The minimum daily periodic rate used to compute the II you are in default, unless pronibited by applicable law. you also FINANCE CHARGE on Cash Advances is 0.0548%. {-) Rifle must pay us or reimburse us for all costs and disbursemenis. E&;jM if you fail to make a minimum monthly payment by the including reasonable attorney's fees, incurred by us in legal payment due date, exceed your credit limit ox make a payment to proceedings (including bankruptcy proceedings; to collect or erdorce us that Is not honored, we may increase the ANNUAL The debt PERCENTAGE RATE on all balances (including any promotional payment Holidays rate). In determining the adjusted ANNUAL PERCENTAGE RATE. From time to time, solely at our option, we may allow you to skip one we may consider the length of time your Account has been open, or more monthly payments. we oil notify you when this option is the seventy and liming of any Account default or delinquency, as well as Account usage and performance. m Default Pricing s available. If you skip 'will Finance Charges (and credit a wil become effective with the firstday balan i n teas. it any) will continue to accrue on your Account applied to your Account of the next billing cycle. and the daily periodic rate we use to balance in accordance with this Agreement. The requirement that compute the FINANCE CHARGE on Cash Advances is a variable you make the Minimum Payment due each month will resume rate which is 11365th of the sum of the Prime Rate plus a percent following the payment holiday not to exceed 20.997,. The corresponding ANNUAL Transactions Made in Foreign Currencies PERCENTAGE RATE of the FINANCE CHARGE is the Prime Rate It a transaction is made in a foreign currency. we and Visa plus a percenr not to exceed 20.99% International will convert the transaction into a U.S. dollar amount. !c) Variable Rates of the Finance Charge: The ANNUAL Visa will act in accordance with their operating regulations or PERCENTAGE RATES under subparagraphs 'a) and (b) above are conversion procedures in Ptlect at th- time the transaction is variable rates based on the Prime Rate pub Ished to the - Money processed. A rate selected by Visa from the range of rates available Rates” table i The Wall .tree! Journal. Tre rates of the in v,holesale currency markets for tie applicable central processing . CrAMNVED rN REVERSE SIDE date, which rate may vary from the rata visa itself receives, or the inform inform to the i ngan d Sharing lice of Privacy Policy' for our government - mandated rate ar i any adjustment for the applicable ce me polices on collecting. using, searing.. and sharing nonpublic processing date, In each nhstauce plus or minus ment . tins p olicy' Information. Add u copies of our - Notice of Privacy determined by us The currency conversion rate calculated in terthat is in effect on the processing date may differfrom the rats Policy' a available by calling us toll-free at om 8 R), SF4 -BANK (t- mat in effect or, the transaction data or the posting dale. When any 877 - 734 - 2265), on our wabshlz (slatetarm,coml! ), or from your transaction must be converted back Into a foreign currency because local state Farts agent of a refund or other reversed transaction, the Sam-" currency lf you believe that inaccurate or incomplete information about u or conversion formula will apply. your Account has been shared by us with a credit reporting agen Billing Cycles of Your Account write to us at: Stale Fam Bank Po Box 84062. Columbus. Georgia Each baling cycle of your Account begins on ate day alter the clusi ig 31908 -408 ?. Please include your name. address, home phone date shown on the preceding monthly statement of your Account and number, and Account number, and explain which information you ends on the closing date shown on the monthly statement of your believe Is Inaccurate or incomplete. Account for the current month. A billing cycle occurs even d you do Governing Law not receive a monthly statement of your Account as otherwise This Agreement. including, without limitation, the interest o be provided in this Agreement. charged, is governed by Federal lawn and by the the of the State of Illinois to the extent that Federal law is not controlling, without regard Account Fees and Charges The following fees will be charged to your Account as a Purchase in t its conflict of laws pitnclpizs. the billing cycle in which the chaigas are incurred: (a) a Late Seveability; No waivers Payment Feed vie do not receive payment in an amount at least equal to the Minimum Payment due shown on the monthly statement II any part of this Agreement s found a be invalid, the test remains of you Account try tits Payment Due Date shown on the statement, effective. Any failure or delay by us m demising �e law d not The amount of the Late Fee will vary based on the New Balance of emetics under this Agreement or under ail „'tIi ynur Account at e closing data of your billing cycle as follows: $15 mean that we will not be permitted t° exercise those rights or to if the New Balance s less than 5500; S29 d Ole New Balance s $500 remedies later. may accept late. payments ou hhav not waived under this Agreement any or greater but less than $1,000; $34 if the New Balance Is 51000 or without losing any y et our of your rights or our dunes under the or remedies. Y. greater, (b) an Ovedimq Illinois Financial Services Development Foe of SU 4 your Account balance exceeds Act your credit limit or any separate Cash Advances credit limit for your Account (even if fees assessed by us cause your Account balance to Binding Arbitration ,,teed your credit limit), charged to your Account as of the first day ag in,, aim or ,there (including g incl in gom or n a rcng in U o r u s in the billing cycle that your Account balance exceeded your credit Agreement, or any solicitation or negotiation preceding this limit or exceeded any sepparate Cash Advances credit limit for your Or an Account, (c) a Returned Payment Fee of $34 if a check or chief you Agreement. e or g e r iot to your ag reemen t, or y Ac un lonship send us as a payment on y our Account Is returned for insufficient re s u lti n g from any of the foregoing (wither based on a statute, funds or for any other reason; (d) a Returned Check fee of $34 d we in retum a Check unpaid for any reason: (e) a Stop payment Fee of $34 contract, ton, or other legal theory and whether for money damages. for each Check on which you request us to stop paymet and for panallies, or declaratory or equ itable relief), including disputes each renewal Of your stop payment request (P a Statement Reprint regarding the applicability of this Arbitration Agreement to the claim be Fee of $5 for each copy of a monthly ch arge): aCopy F, a fps of S5 for amou of the claim orr disput or ug the aggregate for all requested ea 12 months without charge); (g) claimants) exceeds S ?5,000. or Is for an unspecified amount. or each copy of a sales draft (if it determined that a billing error occurred involving the requested monthly statement or safes draft. includes a claim for punitive or exemplary damages or emotional a the $10 minimum) Acco nt Fee (for hour general action ((each, a ' "Claim'), shall be resolved s to ely in Incurred in servicing your account name and behlf by binding arbitration, Unless prohibited by applicable law, we may charge your Account, , that B ay is tot 5 ^5, o aii fes that by binding above, naesolved covered above that a Purchase, the amount of any costs we incur In complying with is Suc clam state abandoned or unclaimed property laws with regard to your binding n both rb atparties. ch election made by one parry shag be Account Authorized Use of your card by Others The arbitration shall be conducted by the National Arbitration Forum t you permit any person to Nava access to your card or Account ( 'NAF') under its Code of Procedure (the Rules`) in off =ct at the number with the authorization to make a charge, or d you request us time the Claim is filed. Copts of the Rules and claims forms of the to Issue a Card on your Account to another person, you will be liable NAF may be obtained and Claims may be filed at any National for all charges made by that person. including charges you may not Arbitration Forum office, online at m orb- f0tum.eom. or by mail at have Intended that person to make. PO Box 50191, Minneapolis Minnesota 55405, telephone 1-800 - e this on for each an authorized user nt kz on the Account plus any Ftn how to obtain a copy of the Rules witho h if °theaNAF is ac Agree ment 0 anci related to such trransactions.lf you a re an authorized nationally recognized mdepende pendent The we Rules; contain provi e s e a user, your liability does not relieve any cardholder under this code of procedure similar to the R dmi The ules nd/or ear Agreement from liability for the authorized user's transactions until may be the arbitration i r defe r ed e onder il ceRairncond conditions upon your paid. request In our sole discretion, we may advance any arbgrab ll filing Special Provisions Regarding Checks fee, admhnstradve and hearing fees which you are required to pay to You may stop payment on an unpaid Check by providing with the pursue a CWIm in arbitration. 11' we do, the arbitrator will decide who check number, dollar amount. and payee exactly as they appear on will be ultimately responsible fur paying those fees. Any w rb i e t h the Check A stop payment request expires sat months after the dat= hearing at which you appear n person will take place imi the we a s popt your stop o prior to payment order unless t t you top payment I sing federal Budici l is that includes your billing address at the time a Check, we will charge a Stop Payment Fee to your Account as This Arbitration Agreement is made pursuant to a transaction provided in this Agreement Involving interstate commerce and shall be governed by the Federal II you post -date a Check we may honor lye Check immediately upon Arbitration Act, 9 U.S.C. Sections 1.16 ('FAA"). Judgment upon the presentment or return it unpaid, at our election, without in either case arbitration award may be entered in any tour having jurisdiction. waiting until the data shown on the Check We are not liable to you The arbitrator shall toliow existing su b s t an tive law (to the extent for any loss or expense incurred by you arising out of the action we c onsistent wM. the FAA) and applicable statues of limitations, shall elacttowfe. honor any claims, defenses, and privileges recognized by law, and You payment under thi or any other credit accou t ° you a may grant in an Individual action. or gram the same relief a court at tion. q any parry sorequests. the arbitrator have with us. Will wme an opinion cortalning the reasons for the award. Certain Limitations on Use or Your Card No Claim submitted to arbitration is hard by a jury and no Claim may Your Account Is a consumer credit account. You must not use your not right to actasna or as a class rep esentati a attorney general. rparocipate as a Card primarily for business or commercial purposes. member of a class of claimants with ispect to any Claim. You must not use your Card for any unlawful purpose or in any illegal This Arbitration Agreement shall survive the termination or your transaction. Tills with us as well as any payment in fug of the debt you owe Additional Cardholder Benefits us under this Agreement, any bankruptcy by you and any We may offer you cerain additional cardholder benefits from time to assignment of the debt by us. tine, including balance transfers, interest free special purchases, and temporary APR reductions. Any such benefits, 0 offered and For the purposes of this Arbitration Agrement, 'we" nil "us' benefits brochure we proude yom otherwise mployees, licensees , Successors, assigns, stated in the prom° tan, the terms of this Agreement shag also govern and any purchaser of your Account and all officers, directors any such Special Purchase Promotion. We reserve the right to employees, agg and asgns providing befte ben 1it all of t or products also change, add with to or discontinue these benefits and services at any lime connection a gi your tg b not limited to credit Refusal tot party ount efus no NbnerYourCard ;Refusedputtrorizations to YOU. bureaus, merchants that accept any credit device issued order the Account, rewards or enrollment services, credit insurance We Will not be liable it any other bank any ATM, or any seller or companies, debt collectors and all of their officers, directors. lessor of goods or services refuses to honor your Card or retains employees and agents) ff, and only if, such a third parry is named by your Card when you attempt 10 use it. Even though you have you as a co•de`endart In any Claim you asses against us. Also, for available credit on your Account we may fad or deetire to authorize a The purposes of this Arbirrad ^n Agreement, "you” or "yours" shall pa-icular transaction due to cpera^ona d,'rru e- mean any person or entity approwec iy us or you x case y. discretion. for other reasons we deem r be apt n Account including tut not limited 1) all persons or entLEi Guff and Wagering Trataaclians contractually obligated on jour A-,To:ir' ind all autilon:Fd goer; , The State Farm Bank credit card is not :o be use: iv anf gani a the Account wagering transactions. i ndudang Talsactions for casino chips. bets h any par, of this Arbitration Agreement is found to be invalid a wagers, Internet gambling or any other gaming or wagon'` unenlorcezble under any law or statute conistent win the FAA n? transaction. Shade Farm Bank will decline transacti -fs for casino u nla of this Arbitration Agreement shall ce entorceabie withol< cages, gets, wagers. Internet gambling or any on er gaming or regard to such invalidity or unerdorceabf`tt wagering transaction. Sasimsion or Territaieadea of your Credit Line With iespec( pivehereby claims h ie not es l TRIAL in JURY itQreucn W e may susprerd or terminate your right to obtain adirtional credit a: you any time. AN Cards we issue to you or at your request remain our THE RESULT OF THIS ARBITRATION AGREEMENT IS THAT. D(CEFT property. and you agree to return all such Cards to us a cur request AS PROVIDED ABOVE. CLAIMS CANNOT BE LITIGATED IN COURT. You maytemt�ata your r ightto obtain adiaionalctedaa anyrlmaglr INCLUDING SOME CLAIMS THAT COULD HAVE BEEN TRIED cu tti ng alt tarexpfred Cards outstanding on your Account in two and BEFORE A JURY, AS CLASS ACTIONS CR AS PfWATE A 0RNEY rst ming lham b us. Your obligations under this Agreement continue GENERAL ACTIONS. unchanged after your right to obtair credit has been suspended or YOUR BILUMG RIGHTS terminated by you or by ru fbigatiun of Mullifft CarsAralders Keep this notice for future use. All joint accouetuokkus are 6tdividualty and jointly responsible for This notice contains important information about your rights and our paying the entire outstanding balance on the Account tt two or more responsibiliks under the Fair Credit Baling Act persons ate tesponsnbk for PA" any omstandirg balance. we may Notify Us in Case of Error or Questions About Your Bill. If you think refuse to release airy of them horn liability utml all of the unexpired your bill is wrong. or if you need more information about a Cards outstanding on the Account have been returned to us and the transaction on your big. write us on a separate sheet at Side farm Acedunt balance is pad in Id The obligations of the other obligated Bank PO Box 64062, Columbus. C-eorgia 31901 Write to its persons wM rot be affected by the release or discharge of one or as soon as possible. Do not send the notice on or with your ho more of the persons w are responsible for paying all or any part of payment. We must hear from you no later than 60 days after we sent the Account you the first big on which the error or problem appeared. You can Amendru is telephone is, but doing so will not preserve yournghs. We may ametri this knaemem at any time to change. add or delew In your letter. give us the following: (1) your name and Account upon 15 days notice to you prior to the effective date of number (2) the dollar amount of the suspected error and (3) a provisions change or, d Nnger, such notice s as required order applicable description of he error and an need anon, if you ran, of wiry you provisions of federal law or the laws of the State of Illinois. The believe there s rear, t you n need mom mfomizhea describe the notice may be included on or with the MOMMA statement of your item you are not s ure about. Account UNess.otherwre provided by law, the notice period begins Your Rights And Our Responsibilities After We Receive Your to run when we maB or deliver the notice of charge in terms to you, Written Notice. We must acknowledge your letter within 30 days. If an amendment gives you the Opportunity to reject the amendment unless we have corrected the error by then. Within 40 days, we must and it you reject tie amendment in the manner provided in the ei correct the error or explain we believe le bglwas correct amendment we may leffli eyour right to receive additional credit After we receive your letter, we cannot try to collect any amount you and may require you to return all credit devices as a condition of your question or report you as delinquent We can continue to bill you for rejection of the amendment. If the amendment so provides, the the amount you question including Finance Charges, and we can amended Agreement (including any increased rate or amount of apply any unpaid amount against your credit limit You do not have finance champ: and other increased charges and fees) will apply to all to pay any questioned amount while we are investigating, but you are then outstaring unpaid rtdabted m. in your Account, including any still obligated to pay the pasts of your big that are not in question. such indebtedness that arose out of Purchases made or Cash It we find that we made a mistake on your big, you will not have to Advances obtained prior to the effective date of the amendment This pay any Finarhce Charges related to any questioned annouir, ff we did Agreement may nor be amended except in writing. We may replace. not make a mistake, you may have to pay finance Charges, and you your Card with another ^red! card at any time. will have to make up any missed payments on the questioned Any letter. payment instrument or other communication you direct to amount In either case, we wig send you a statement of the amount us with the intent to amend this Agreement must be sent to us in you owe and the date that it is due. writing at: State Farm Bank PO Box 64062, Columbus, Georgia 11 you fail to pay the amount that we think you owe, we may report 31908.40EZ 11 any such payment instrument is received at any you as delinquent However. 0 our explanation does not satisfy you other address, we may accept the payment instrument which will not and you write to us within twenty -live (25) days telling us that you constitute consideration, and no amendment to the Agreement shag still refuse to pay. we must tell anyone we report you to that you have have been affected. Amendment of your Agreement requires a a question about your bull. and we must tell you the name of anyone written agreement signed by one of our authorized representatives we report you to. We must fell anyone we report you to that the Communications Concerning Disputed Debts mater has been settled between us wmh n it finally s. Any payment instrument you send us for lass than the fug balance If we do not follow these rules, we cannot collect the first $50 of the due that is marked "paid in full" or similar notation, or that you questioned amount, even A your big was correct otherwise tender in fug satisfaction of a disputed amount must be Special Rule for Credit Card Purchases. h you have a problem with sent to State Farm Bank, PO Box 840c , Columbus, Georgia 31908- the quality of the property or services that you purchased with a 4062 We reserve all our rights regarding such Instruments. For credit card, and you have tried in good faith to correct the problem example, if it is determined there is no valid dispute: of if any such with the merchant, you may have the right not to pay the remaining instrument is received at any other address, we may accept the amount due on the property or services. There are two limitations on instrument and you wig sib owe any remaining balance. Or. we may right refuse to accept any such instrument by returning it to you, not (1) You must have made the purchase in your home state or, if cashing R. or destroying it Satisfaction of your debt for less than the not within your home state %vlhm 100 miles of your rurrent lull amount due requires a written agreement signed by one of our mailing address, and authorized representatives. (2) The purchase price most have been more than 550, change of Name or Mani6ng Address These limitations do not apply if we own or operate the merchant, or You must notify us immediately of any change of your name or it we mailed you the advertisement for the property or services, maiing address from that shown on your latest monthly statement Transactions with Merchents The back of your monthly statement coMams a form you may use for Return Policy. If a merchant discloses a policy such as 'no returns', this purpose. I no refund ", "no return or credit without receipt ", 'as is ", 'store Assignment credit only", or "all sates final', you will be bound by that policy when We may at any time, and without notice to you, assign your Account you use your Account to buy goods or services from that merchant. any sums due on your Account, this Agreement, and our rights or Reservations. When using your Account to make travel or lodging obligations under your Account and this Agreement to any person or reservations, obtain the merchants cancellation policy and follow it if entry. The person or emiy to wham we make any such assignment your cancel, If you cancel, obtain the merchant's canreliatron number shag be entitled to all of our rights under this Agreement, to the extent that it is required la give you. The merchants may charge you for a assigned. You may not assign your rights under this Agreement. cancelled transaction unless you can provide us with the merchants Unauthorized Use al Your Account cancellation number. Recurring Transactions, K you authorize a merchant to charge your Account for iepeat transactions with your Please notify us immediately of the loss, theft, or possible Card. you must notify the merchant w'nen you want todscontinuethe unauthorized use of your Card. You may be gable for unauthorized repeat transactions or if your Account Is closed or a new Account use of your Card if your gross negligence results in unauthorized use. number is issued by us. Dispute Assistance. If you disagree with a You will not be liable for unautholbif use that occurs after you notify transaction on your statement or have a dispute with the merchant as us in writing at State Farm Bank, PO Box 84062, Columbus, Georgia a result of the transaction, you Oil provide information or assistance 31908.4062, of the loss, theft, or possible unauthorized use. In any we reasonably request Otherwise. you will pay us for arry resulting case. your liability for unauthorized use will not exceed W. loss we have unless we are prohibited by applicable law from holding Please sign your Card immediately after you receive it, PleasF you liable for our loss, safeguard your Card like you would if it were cash. Do not disclose Notice for Married Wisconsin Residents. No provision of any marital your PIN to anyone else, property agreement unilateral statement or coon order applying to Monitoring Telephone Conversations marital property will adversely affect State Farm Bank Interests unless prior to the time credit is granted, State Farm Bank is furnished with a You consent to and authorize us, any of our affiliates, and our copy of the agreement statement or cour, order, or State Farm Bank marketing associates to monitor and /or record (unless prohibited by has actual notice of the provision. Married Wisconsin residents must law) any of your lelephone conversations with our represantativ.s or lurnish the name and address of heir spousd to State Farm Bank at the representatives of any of such companies PO Box 84062, Columbus Georgia 31908.4062. F ^37117 -1 rP07. 1i17G Account Number: 4747- 2780 -5976 -1827 New Balance: 54,733.83 Payment Due by 5PM (ET) on: May 25, 2012 B Minimum Payment Due: $4,733.83 Amount Past Due: $4,733.83 Amount Enclosed: $ STATE FARM BANK PO BOX 23025 COLUMBUS GA 31902 -3025 Make Check Payableto: STATE FARM BANK® COLLEEN SMITH I Please check box for address or telephone 348 PLUM ST 0016706 change. LEMOYNE PA 17043 -1962 (Complete form on the reverse side). 4747278059761827 004733836 004733836 ?c Detach here. Please make check payable to STATE FARM BANK and send with this remittance slip in the enclosed envelope. For 24 Hour Good Neighbor Service, Page , of 4 Please Call: Statement Period: 03/29/12 - 04128/12 1-877-SF4-VISA (1 -877-734-8472) Account Number: 4747 -2780- 5976 -1827 Additional contact Information Payment Due located o n reverse side. by 5PM (ET) on: May 25, 2012 Summary of Account Activity Previous Balance: $4,733.83 Total Credit Limit: $0.00 Payments & Credits: $0.00 Available Credit Limit: $0.00 Purchases & Other Charges $0.00 Cash Advance Limit: $0.00 Cash Advances: $0.00 Available Cash Advance Limit: $0.00 Fees Charged: $0.00 Interest Charged: $0.00 Closing Date: April 28, 2012 New Balance: $4,733.83 Number of Days in Cycle: 31 Payment Information New Balance: $4,733.83 Minimum Payment Warning: If you make only the minimum Minimum Payment Due: $4,733.83 payment each period, you will pay more in interest and it will take Payment Due by 5PM (ET) on: May 25, 2012 Ion er to pay off your balance. For Exam le: Late Payment Warning: If we do not receive your minimum payment Myou 60 YtluvnMptyot!fib u+� e Andyoend by the date and time listed above, you may have to pay a late fee up to oi Oil beWeashmm on $0.00. taft 0* trod Oft shament In an es*VA* Ill artd each f#tEiFN about... d!`. . you pay... -- Only the minimum 0 months $0 payment If you would like information about credit counseling services, call 1- 877 - 734 -8472. Transactions For: 4747 -2780- 5976 -1827 Posting Transaction Reference Date Date Number Description_ $ Amount 2012 TOTAL Y -TO -DA Total Fees Charged in 2012 5506.65 Total Interest Charged in 2012 $55.51 Interest Char Calcula Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Percentage Subject to Interest Type of Balance Rate Interest Rate Charge Purchases 0.00% $4,733.83 $0.00 Pease enter change of address or telephone number below. Address chv State Zip Home Phone (Include area code) Work Phone (include area code) To Contact Us Regarding Your Accou By Telephone: Send Inquires to: Mail Payments to: Visit Our Website: In U.S. 1- 877 - 734 -8472 P.O. Box 87 P.O. Box 23025 www.statefarm-.co-m Espanol 1- 877 - 734 -8472 Deposit, New York 13754 -0087 Columbus, Ga 31902 -3025 TDD 1- 877 - 593 -3879 Outside U.S. 1- 706 - 644 -0852 Information About Your Account Here Is How We Calculate Your Interest Charges: Making Payments Disputing Account Information Reported to Credit Bureaus: Your statement has a "Interest Charges' section. For each type of You must pay all or part of your New Balance at any time. However, We furnish information about your account to credit bureaus. You have transaction in the 'Interest Charges" section, we calculate an average you must always pay at least the Minimum Payment by the Payment the right to dispute the accuracy of the information reported by writing daily balance and multiply it by the Daily Periodic Rate for that balance Due Date. Mail your payment, made in US dollars, accompanied by to us at State Farm Bank, PO Box 94, Deposit, New York 13754 -0194. and by Me number of days in the billing cycle. Then we add all these the upper port ion of your monthly statement, in the enclosed return products together and we add any transaction fee that applies. This envelope or to the payment address State Farm Bank, PO Box 23025, Send All Bankruptcy Notices and Documents To: gives us the Interest Charge. Columbus, GA 31902 -3025. Pay by check or money order, and be sure State Farm Bank, PO Box 2327, Bloomington, 116702 ?327 Here Is How We Determine Each Of Your Average Daily to allow sufficient time for your payment to reach us by the Payment Balances: Due Date. When you provide a check as payment, you authorize us Reporting Loss, Theft or Unauthorized Use of Your Card We calculate an 'average daily balance' separately for Purchases either to use information from your check to make a one -time Call us immediately, 24 hours a day, roll -free at I- 877 -SF4 -VISA (excluding introductory period Balance Transfers), Cash Advances, electronic fund transfer from your account or to process the payment (1-877 - 734 -8472) if you suspect the loss, theft or unauthorized use of introductory period Balance Transfers, and any special rate offers (as as a check transaction. When we use information from your check to your Card. You will not be liable for unauthorized use that Occurs after applicable). To get the c overage daily balance" special your account for make an electronic fund transfer, Me funds may be withdrawn from you notify us at Me above roll -free number or at PD Box 94, Deposit, each of these types of transactions, we take the beginning balance of your account as soon as the same day we receive your payment and NY 13754 -0094, orally or in writing, of the i theft, or possible you will not receive your check back from your financial institution. If unauthorized use. In any rase, your liability will not exceed $50. your account each day, add any new Purchases (excluding introductory period Balance Transfers), Cash Advances, introductory period Balance you have any questions about ACH, please roll rnits, SF r VISA Transfers or other special rate offers (as applicable), and subtract any (1- 877 - 734-8472). All payments (including phone remits, overnight Payments with Special Handling Instructions Payments and Credits applied to that type of transaction under Me mail, etc) received by us at the payment address by 5:00 P.M. Eastern Any payment instrument you send us for less than the full balance due payment allocation method [hen in effect. This gives us the daily Time, Monday through Friday (our normal business days), will be that is marked "paid in full" or similar notation, or that you otherwise balance for each of these types of transactions. (Credit balances are credited to your Account as of that day. All payments (including phone tender in full satisfaction of a disputed amount, must be sent to State treated as zero for purposes of calculating the daily balances.) Then, remits, overnight mail, etc) received by us at the address indicated Farm Bank, PO Box 2326, Bloomington, R 61702 -2326. We reserve all we add all of the daily balances for the billing cycle for each of these after 5:00 P.M. Eastern Time or on any non -bank business day, our rights regarding such instruments. For example, if it is determined of transactions and divide the respective totals by the number of including bank holidays, will be credited to your account on the there s no valid dispute or if any such instrument s received at any types days in the billing cycle. This gives re the avenge d ai l y yy t balance" for following bank business day. The crediting of payments received in other address, we may accept the instrument and you will still owe your account for each of these types of transactions. The average daily any other manner may be delayed. any remaining balance. Or, we may refuse to accept any such balances include current transactions for Purchases (including Balance Instrument by returning it to you, not cashing it, or destroying it. All Transfers) and for Cash Advances, except that R the Previous Balance Slate Farm Dollars® other payments should be sent to the payment address shown on the of your account was zero or a credit balance. Purchases posted to your If eligible, you will automatically earn State Farm Dollars in accordance front of this statement. account during the billing cycle are not included in the daily balances with the terms and conditions disclosed in your State Farm Dollars of Purchases for purposes of calculating the Interest Charge, Terms and Conditions brochure on purchases you make with your Service for the Hearing Impaired (TDDlTYY) State Farm Bank Visa Card. Once you earn 50 State Farm Dollars, you For any questions or other communications about your Account, please [f [here is a (V; next to the Daily Periodic Rate on the front of your can apply your reward Dollars to the State Farm products of your contact our service for the hearing impaired at 1 -877 -593 -3879. statement, this means that the rate may vary. The variable APR is the choice F acces sing your account online at statefarm .cnm o calling Prime Rate plus your margin as disclosed in your Credit Card t -877 -S4 -VISA (t- 877 - 734 -8472 Special Rule for Credit Card Purchases Agreement and Disclosure Statement and any amendment(s) thereto. If you have problem with the quality of goods �;ery o that you Billing Rights Summary purchased with a credit card, and you have tried in good faith to :f the "INTEREST i_HARGED' on the front of your statement is $1.50 correct tre problem with the merchant, you may not have to pay the ;or a lesser amount as disclosed in your credit card agreement, as In Case of Errors or Questions About Your Bill remaining amount due on the goods or services. You have this amended), then me Minimum Interest Charge has been applied to [f you think your bill s wrong, or R you need more information about a protection only when the purchase price was more than $50 and the your Account en mg the billing cycle. transaction on your bill, write us on a separate sheet at State Farm purchase was made in your home state or within 100 miles of your Bank, PO Box 1420, Deposit, New York 13754-1420 as soon as mailing address. (If we own or operate the merchant, or if we mailed A transaction fee Interest Charge may be imposed on each Cash Possible. We must hear from you no later than 60 days after we sent you the advertisement for the property or services, all Purchases are Advance. Convenience Check and Balance Transfer. If such a you the first bill on which the error or problem appeared. You can covered regardless of amount or location of purchase.) transaction fee is imposed, the resulting Annual Percentage Rate for telephone us, but doing so will not preserve your rights. the billing cycle may be greater than any of the Corresponding Annual Stale Farm Bank Credit Protection Program Percentage Rates of the Dally Periodic Rate,. In your letter, give us the following information: Your purchase of the State Farm Bank Credit Protection Program is optional. The monthly fee for the State Farm Bank Credit Protection Purchases Grace Period 1. Your name and Account number. program s based on your total account statement balance each month There will not be an interest charge on Purchases first posted on this 2. The dollar amount of the suspected error, multiplied by the unit cost which s th $0.74 per $100. You have e right statement of your account if you pay the entire New Balance by the 3. Describe the error and explain, if you can, why you believe there to cancel the State Farm Bank Credit Protection Program at any time Payment Due Date shown on the front of this statement. You may s an error. If you need more information, describe the Rem you for any reason by calling or writing State Farm Bank or the program avoid an interest charge on Purchases for the billing cycle in which are unsure about. administrator. State Farm Bank has the right to cancel the State Farm they are first posted to your Account if that cycle began with a Kink Credit Protection Program if: (1) your ac_ount becomes more previous balance of zero. We my charge interest on balances from You do not have to pay any amount in question while m are than 60 days delinquent; or (2) at any fare and for any reason by - � investigating, but you are still obligated to pay me parts of your bill giving you written notice of cancellation at feast 30 days in advance. the pr evious billing cycle _ innin the firs[ clay of the new bill ing that are not in question. While we investigate year question, we cycle This means twill receive a stateme the follow month cannot report the amount in question as delinquent or take any action There are eligibility requirements, conditions, and exclusions that for interest that ac crued from the closing. date, of the previous W inq to collect the amount you question. could prevent you from receiving benefit' under the State Farm Bank no mi nimize ze the amount this the da of your of f th is intere interer =full was hosted your account Credit Protection Program. You many Flntl a complete explanation of in m n m . y hay the entire re New Balance If you have authorized us to pay your credit card bill automatically eligibility requirements, conditions, and exclusions in section 3 through m _full immediately �n - r eceipt of y our monthly sta tement, Each from your savings or checking account, you can stop the payment on 12 of the State Farm Bank Credit Protection Program Terms and periootc statement must be mailed or delivered to the consumer not any amount you think s wrong. To stop the payment, year letter must Conditions that will be included with your fulfillmen! materials. Teter than 21 days before the payment due date. There s no grace reach us three business days before the automatic payment s ceriea for Cash Advances and dance Transfers. scheduled to Occur. Or, you may call us at the telephone number for When Charges are Added to Your Average Daily Balance Customer Service shown on the front of this statement at bast three Purchases, Cash Advances and other debits are added to the dally business days before the automatic payment 6 scheduled m occur . oalance as of the transaction date (in the 'Transaction Date" column on the as of the statement) _ At our option, we may wait until the posting date to add the transaction to the daily balance. The posting Tate is the dale' wr actually process the transaction to your account. - - Wage 3 of 4 Cash 0.00% $0.00 $0.00 Please enter the account number on all checks and correspondence. News /Important Messages etc... Your account is over the limit by $433.83. Please mail your payment and over limit amount today or call us toll free at 1- 877 -SF4 -VISA (1- 877- 734 -8472) if you have any questions. Your account is SERIOUSLY PAST DUE. Please call us toll free at 1- 877 -SF4 -VISA (1- 877 - 734 -8472) today to resolve the past due status of your account. Account Number: 4747 - 2780 -5976 -1827 New Balance: $4333.83 Payment Due by 5PM (ET) on: April 25, 2012 Minimum Payment Due: $4733.83 Amount Past Due: $836.65 Amount Enclosed: $ STATE FARM BANK PO BOX 23025 COLUMBUS GA 31902 -3025 Make Check Payableto: STATE FARM BANK® COLLEEN SMITH I Please check box for address or telephone 348 PLUM ST * 0016553 change. LEMOYNE PA 17043 -1962 (Complete form on the reverse side). 4747278059761827 004733836 004733836 Detach here- Please make check payable to STATE FARM BANK and send with this remittance slip in the enclosed envelope. For 24 Hour Good Neighbor Service, Page I of 4 Please Call: Statement Period: 02/0512 - 03/28112 Y6 m � 1- 877- SF4- VISA(1- 877 - 734 -8472) Account Number 474'7- 2730- 5976 -1827 1 Additional contact Information Payment Due l ocated on re side. by 5PM (ET) on: April 25, 2012 Summary of Account Activity Previous Balance: $4,733.83 Total Credit Limit: $0.00 Payments & Credits: $436.65 Available Credit Limit: $0.00 Purchases & Other Charges $0.00 Cash Advance Limit: $0.00 Cash Advances: $0.00 Available Cash Advance Limit: $0.00 Fees Charged: $436.65 Interest Charged: $0.00 Closing Date: March 28, 2012 New Balance: $4,733.83 Number of Days in Cycle 53 Payment Information New Balance: $4,733.83 Minimum Payment Warning: If you make only the minimum Minimum Payment Due: $4,733.83 payment each period, you will pay more in interest and it will take Payment Due by 5PM (ET) on: April 25, 2012 Iongerto p ay off you r balance. For Exam le: Late Payment Warning: If we do not receive your minimum payment tf you maMno YouvA payoff the And youw9l end by the date and time listed above, you may have to pay a late fee up to comes balailme lt1 " on up $0.00 using Oft wd this statement in an estimalled total and each month about... of... You pay... Only the minimum 0 months $0 payment If you would like information about credit counseling services, call 1- 877 - 734 -8472. Transactions For: 4747 - 2780 -5976 -1827 Posting Transaction Reference Date Date Number Description S Amount PAYMENTS A CRE DITS 02 -29 -12 02 -29 -12 LATE FEE CREDIT $247.98 CR 02 -29 -12 02 -29 -12 PURCHASE FIN CHG CREDIT $4.83 CR 02 -29 -12 02 -29 -12 PURCHASE FINANCE CHARGE C $183.84 CR FE ES 03 -01 -12 03 -01 -12 DEBIT $436.65 TOTAL FEES FOR THIS PERIOD $436.65 2012 TOTAL Y EA R -T -DAT Total Fees Charged in 2012 $506.65 Total Interest Charged in 2012 $55.51 Please enter change of address or telephone number below. Address Cc, State Zip Home Phone (include area code Work Phone (include area code) To Contact Us Regarding Your Acc ? By Telephone: Send Inquires to: Mail Payments to: Visit Our Website: In U.S. 1- 877 - 734 -8472 P.O. Box 87 P.O. Box 23025 www.staterfarm.com Espanol 1- 877 - 734 -8472 Deposit, New York 13754 -0087 Columbus, Ga 31902 -3025 TDD 1 -877- 593 -3879 Outside U.S. 1- 706 - 644 -0852 Information About Your Account Here Is How We Calculate Your Interest Charges: Making Payments Disputing Account Information Reported to Credit Bureaus: Your statement has a "interest Charges' section. For each type of You must pay all or part of your New Balance at any time. However, We furnish information about your account to credit bureaus. You have transaction In the "Interest Charges" section, we calculate an average you must always pay at last me Minimum Payment try the Payment me right to dispute the accuracy of the information reported by writing dally balance and multiply a W the Daily Periodic Rate for that balance Due Date. Mail your payment, made in US dollars, accompanied by to us at: State Farm Bank, PO Box 94, Deposit, Nev, York 13754 -0094. and by the number of days in the billing cycle. Then we add all these the upper portion of your monthly statement, in the enclosed return products together and we add any transaction fee that applies. This envelope or to the payment address State Farm Bank, PO Box 23025, Send All Bankruptcy Notices and Documems To: gives us the Interest Charge. Columbus, GA 31902 -3025. pay by check or money order, and be sure State Farm Bank, PO Box 2327. Bloomington, 11 61702 -2 327 Here Is How We Determine Each O/ Your Average Daily to allow sufficient time for your payment to reach us by the Payment Balances Due Date. When you provide a check as payment, you authorize us Reporting Loss, Theft or Unauthorized Use of Your Card We calculate an 'average daily balance" separately for Purchases either to use information from your check to make a onetime Call us immediately, 24 hours a day, toll - free at 1 - 877 - SF4 - VISA ;excluding introductory period Balance Transfers), Cash Advances, electronic hind transfer from your account or to process the payment (1 -877- 734 -8472) if you suspect the loss, theft or unauthorized use of ec as a check transaction. When we use information from your check to your Card. You will not be liable for unauthorized use that occurs after in period Balance Transfers, and any spec ial rate offers (as applicable). To get the "average daily balance" your account for electronic an elronic fund transfer, the funds y be withdrawn from you notify us at the above toll-free number or at PO Box 94, Deposit, each of these types of transactions, we take the beginning balance of your account as soon as the same day we receive your payment and NY 13754 -0094, orally or in writing, of the kris, theft, or possible new Purchases (excluding introduce you will not receive your check back from your financial institution. If unauthorized use. In any case, your liability will not exceed $50. add an you r account each day, y ( 9 ry you have any questions about ACH, please call 1- 877 -SF4 -VISA period Balance Transfers), Cash Advances, introductory period Balance (1- 877 - 734 - 8472). All payments (including phone remits, overnight Payments with Special Handling Instructions Transfer; or other special rate offers (as applicable), and subtract any nail, etc) received by us at the payment address by 5:00 P.M. Eastern Any payment instrument you send us for lass than the full balance due Payments and Credits applied to that type of transaction under the Time, through Friday our normal business days Y payment allocation method then in effect. This gives us the daily Monday g Y ( ys), will be that r marked "paid in full" or similar notation, or that ou otherwise credited to you r Account as of that day. All payments (including phone render in full satisfaction of a disputed amount, must be sent to State balance for each of these types of transactions. (Credit balances are treated as zero for purposes of calculating the daily balances.) Then, remits, overnight mail, etc) received by us at the address indicated Farm Bank, PO Box 2326, Bloomington, IL 61702 -2326. We reserve all we add all of the daily balances for the billing cycle for each of these after 5:00 P.M. Eastern Time or on any non -bank business day, our rights regarding such instruments. For example, R n is determined types of transactions and divide the respective totals by the number of including bank holidays, will be credited to your account on the there 6 no valid dispute or if any such instrument is received at any days in the bilking cycle. This gives us the "average daily balance" fo r following bank business day. The crediting of payments received in other address, we may accept the instrument and you will still owe account for each of these types s transactions. The average daily any other manner may be delayed. any remaining balance. Or, we may refuse to accept any such your a balances include current transactions for ns c ton (including Balance instrument by returning it to you, not cashing it, or destroying it. All ars® Transfers) and For Caen Advances, except that if the Previous Balance State Farm Doll other payments should be sent to me payment address shown on the of your account was zero or a credit balance. Purchases posted to your If eligible, you will automatically earn State Farm Dollars In accordance front of this statement. account during the billing cycle are not included in the daily balances vain the terms and conditions disclosed In your State Farm Dollars of Purchases for purposes of calculating the Interest Charge. Terms and Conditions brochure on purchases you make with your Service for the Hearing Impaired (TDD/TYY) State Farm Bank Visa Card. Once you earn 50 State Farm Dollars, you For any questions or other communications about your Account, please If there Is a (v) next to the Daily Periodic Rate on the front of your can apply your reward Dollars to the State Farm products of your contact our service for the hearing impaired at 1 -877 -593 -3879. statement, this means that the rate y vary. The variable APR is the choice F accessing your account online at stalefarm core or calling ma Prime Rate plus your margin as disclosed in your Credit Card 1-877 -Sa -VISA 11- 877- 73a - 8a72} Special Rule for Credit Card Purchases Agreement and Disclosure Statement and any amendments) thereto. If you have problem with the quality of goods. or services that you Billing Rights Summary purchased with a credit card, and you have t: lad in good faith to If the 'INTERFSr - 1 - Al on the front of your statement k $1.50 c orrect e problem with the merchant, you ssury n have to pay the or a lesser amount as disclosed in your credit card agreement, as I Case of Errors or questions About Your Bill n amount due the goads r ir. s. You have this amended), then the Minimum Interest Charge has been applied to If you mink your cull is wrong, u s on a separate s if you need more information about a protection only when the purchase price was rage than miles of your and the von Account during the billing cycle. Bank, PO Box 1420, Deposit, New York 13759 -1420 as soon as mailing address. (I on your bill, write us at State Farm purchase was made in your home state or within 100 mile B, PO f we own or operate the merchant, or if we mailed A transaction fee Interest Charge may ce imposed on each Cash possible. We must r from you no later than 60 days after we sent you the advertisement for the property or services, all Purchases are Advance, Convenience Check and Balance Transfer. If such a You the first bill on hea which the error or problem appeared. You can covered regardless of amount or location of purchase.; transaction fee Is imposed, the resulting Annual Percentage Rate for telephone us, but doing so will not preserve your rights. me billing cycle may be greater than any of the Corresponding Annual State Farm Bank Credit Protection Program Percentage Rates of the Daily Periodic Rates. In your letter, give us the following information: Your purchase of the State Farm Bank Credit e Program is optional. The monthly fee for the State Farm Back nk Cr Cred dit Protection Purchases Grace Period 1, Your name and Account number. programs based on your total account statement balance each month 2. The dollar amount of the suspected error. multiplied by the unit cost which s $0.74 per $100. You have the right There will not roc a interest charge on Purchases first posted on this statement of your account if you pay the entire Ni Balance by the 3. Describe the error and explain, if you can, why you believe [here m cancel the Slate Farm Bank Credit Protection Program at any time Payment Due Date shown on the front of this statement. You may is an error. Ifyou need more information, Describe the them you for any reason by calling or writing State Farm Bank or the program avoid an Interest charge on Purchases For the belling cycle in which are unsure about. administrator, State Farm Bank has the right to cancel the State Farm posted ro your Account if that cycle began with a Bank Credit Protection Program if: (1) Your account becomes more they are kite gif i that r You do not have to pay any amount in question while we are than 60 days delinquent or (2) at any time and for any reason by previous balance posted zero. We m Account t_on balances f bi in investigating, but you are still obligated to pay the parts of your bill giving you written notice of cancellation at least 3(1 days in advance, the pr pilling, cycl beginneng first day Of the new cycle This means you .will . receive a statemen the .foll month that are not in question. While we investigate your question, we for i nterest that accrued fr the closi ga of the previou b illing cannot report the an in question as delinquent or take any action There are eligibility requirements conditions, and exclusions that to collect m you e amount you question. prevent you from receiving benefits under the Slate Farm Bank cyde_u_n� the date of your - in -_full wa�st�d _m yo account Credit Protection Program. You many find a complete explanation of To minimiz the amount of this interest pay the - en tire New Balan If you have authorized us to pay your credit card bill automatically eligibility requirements, conditions, and exclusions in section 3 through rrfull imm upon receipt of you r. mon stat ement. Each from your savings or checking account, you can stop the payment on 12 of the State Farm Bank Credit Pmtection Program Terms and periodic statement must be mailed or delivered to the consumer not any amount you mink s wrong. To stop the payment, your letter must Conditions that will be included with your fulfillment materials, later than 21 days before the payment due sate. There s no grace reach us three business days before me automatic payment 6 period for Casa Advances and Balance Transfers. scheduled to occur. Or, you may call us at the telephone number for When Charges are Added to Your Average Daily Balance Customer Service shown on the front of this statement at least three Purchases, Cash Advances and other debits are added to the daily business days before the automatic payment is scheduled to occur . balance as of the transaction date (In the 'Transaction Date" column re the front of the statement) At our option, we may wait until the posting date to add the transaction to the daily balance. The posting data .s the date wv actually process the transaction to your account. . ... ..... .. ....... .. .. . .. -- Page 3of4 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Percentage Subject to Interest Type of Balance Rate Interest Rate Charge Purchases 0.00% $4,725.59 $0.00 Cash 0.00% $0.00 $0.00 Please enter the account number on all checks and correspondence. NewslImportant Messages etc... Your account is over the limit by $433.83. Please mail your payment and over limit amount today or call us toll free at 1- 877 -SF4 -VISA (1- 877 - 734 -8472) if you have any questions. Your account is SERIOUSLY PAST DUE. Please call us toll free at 1- 877 -SF4 -VISA (1- 877 - 734 -8472) today to resolve the past due status of your account. Account Number. 4747 -2780 -5976 -1827 a New Balance: $4,733.83 Payment Due by 5PM (ET) on: March 01, 2012 Minimum Payment Due: $1,270.48 Amount Past Due: $728.78 Amount Enclosed: $C — � STATE FARM BANK PO BOX 23025 COLUMBUS GA 31902 -3025 Make Check Payableto STATE FARM BANK® COLLEEN SMITH _j Please check box for address or telephone 348 PLUM ST * 00D5164 change. LEMOYNE PA 17043 -1962 (Complete form on the reverse side). 4747278059761827 001270485 004733836 k- Detach here. Please make check payable to STATE FARM BANK and send with this remittance slip in the enclosed envelope. For 24 Hour Good Neighbor Service, 'age 1 of 4 Bank- Please Call: Statement Period: 01/05/12 - 02/04/12 1-877-SF4-VISA (1 -877-734-8472) Account Number: 4747 -2780- 5976 -1827 Additional contact Information Payment Due l ocated on reverse side. by 5PM (ET) on: March 01, 2012 Summary of Account Activity Previous Balance: $4,670.96 Total Credit Limit: $0.00 Payments & Credits: $0.00 Available Credit Limit: $0.00 Purchases & Other Charges $0.00 Cash Advance Limit: $0.00 Cash Advances: $0.00 Available Cash Advance Limit: $0.00 Fees Charged: $35.00 Interest Charged: $2 Closing Date: February 04, 2012 New Balance. $4,733.83 Number of Days in Cycle: 31 Payment Information New Balance: $4,733.83 Minimum Payment Warning: If you make only the minimum Minimum Payment Due: $1,270.48 payment each period, you will pay more in interest and it will take Payment Due by 5PM (ET) on: March 01, 2012 long to p ay off yo ur balance. For Exam le: Late Payment Warning: If we do not receive your minimum payment If you n*w no YouwlN Wyk ate And you" end by the date and time listed above, you may have to pay a late fee up to addkkx*chwps ballance on up paying $35.00 usNV Oft card thm stallarnent in an estllinlil total and each month about... of..; y0u Pay... Only the minimum 10 years $6,269 payment If you would like information about credit counseling services, call 1- 877 - 734 -8472. Transactions For: 4747 - 2780 - 5976 -1827 Posting Transaction Reference T Date Date Number Description_ $ Amount FEE 02 -01 -12 02 -01 -12 LATE PAYMENT FEE $35.00 TOTAL FEES FOR THIS PERIOD $35.00 INTEREST CHARGED INTEREST CHARGE- PURCHASES $27.87 TOTAL INTEREST FOR THIS PERIOD $27.87 i 2012 TOTAL YEAR -TO -DATE Total Fees Charged in 2012 $70.00 Total Interest Charged in 2012 $55.51 Y Please enter chance of address or telephone number below. Address CiN -- State Zip F•ome Phone (include area code) Work Phone (include area code) To Contact Us Regarding You Account �) ? C. By Telephone: Send Inquires to: Mail Payments to: Visit Our Website: In U.S. 1- 877 - 734 -8472 P.O. Box 87 P.O. Box 23025 www.statefarm.com Espanol 1- 877 - 734 -8472 Deposit, New York 13754 -0087 Columbus, Ga 31902 -3025 TDD 1- 877 - 593 -3879 Outside U.S. 1- 706 - 644 -0852 Information About Your Account Here Is How We Calculate Your Interest Charges: Making Payments Disputing Account Information Reported to Credit Bureaus: Your statement has a Interest Charges" section. For each type of You must pay all or part of your New Balance at any time. However, We furnish information about your account to credit bureaus. You have transaction m the 'Interest Charges" section, we calculate an average you must always pay at least the Minimum Payment by the Payment the right to dispute the accuracy of the information reported by writing daily balance and multiply i[ by the Daily Periodic Rate for that balance Due Date. Mail your payment, made in US dollars, accompanied by to us at: State Farm Bank, PO Box 94, Deposit, Near: York 13754 -0094. and by the number of days in the billing cycle. Then we add all these products together and we add any transaction fee that applies. Th is the upper portion of your monthly statement, in the enclosed return gives us the Interest Charge. envelope or to me payment address State Farm Bank, PO Box 23025, Send All Bankruptcy Notices and Documew:s To Columbus, GA 31902 Pay by check or money order, and be sure State Farm Bank, PO Box 2327, Bloomington, 11 6UO2 327 Here Is How We Determine Each Of Your Average Daily to allow sufficient time for your payment to reach us by the Payment Balances: Due Date. When you provide a check as payment, you authorize us Reporting Loss, Theft or Unauthorized Use of Your Card We calculate an average daily balance" separately for Purchases either to use information from your check m make a one -time Call us immediately, 24 hours a day, toll -free, at 1- 877 -SF4 -VISA (excluding introductory period Balance Transfers), Cash Advances, electronic fund transfer from your account or to process the payment (1 -877- 734 -8472) 9 you suspect the kiss, theft o unauthorized use of introductory period Balance Transfers, and any special rate offers (a5 as a check transaction. When we use information from your check to your Card. You will not he liable for unauthorized use that occurs after applicable). To get the "average daily balance" of your account for make an electronic fund transfer, the funds may be withdrawn from you notify us at the above roll -free number or at PO Box 94, Deposit, each of these types of transactions, we take the beginning balance of your account as soon as the same day we receive your payment and NV 13754 -0094, orally or in writing, of the loss, theft, or possible you r account each day, add any new Purchases (excluding introductory you will not receive your check back from your financial institution. If unauthorized use. In any case, your liability will not exceed $50. period Balance Transfers), Cash Advances, introductory period Balance you have any questions about ACH, please call 1-877 -SF4 -VISA Transfers or other special rate offers (as applicants), and subtract any (1- 877 - 734 - 8472). All payments (including phone remits, overnight Payments with Special Handling Instructions Payments and Credits applied to that type of transaction under the mall, etc) received by us at the payment address by 5:00 P.M. Eastern Any payment instrument you send us for less than the full balance due payment allocation method then in effect This gives us under daily Time, Monday through Friday (our normal business days), will be that s marked "paid in full" or similar notation, or that you otherwise balance For each of these types of transactions. (Credit gives balances are credited to your Account as of that day. All payments (including phone tender in full satisfaction of a disputed amount, roust be sent to State treated as zero for purposes of calculating the daily balances.) Then, remits, overnight mail, etc) received by us at the address indicated Farm Bank, PO Box 2326, Bloomington, It 61702 2326. We reserve all we add all of the daily balances for the billing cycle for each of these after 5:00 P.M. Eastern Time or on any non -bank business day, our rights regarding such Instruments. For example, if It is determined types of transactions and divide the respective totals by the number of including bank holidays, will be credited to your account on the there s no valid dispute or If any such instrument is received at any days In the billing cycle. This gives us the "average daily balance" for following bank business day. The crediting of payments received in other address, we may accept the instrument and you will still owe your account for each of these types of transactions. The average daily any other manner may be delayed. any remaining balance. Or, we may refuse to accept any such balances include current transactions for Purchases (including Balance instrument by returning it to you, not cashing it or destroying it. All Transfers) and for Cash Advances, except that if the Previous Balance State Farm Dollars® other payments should be sent to the payment address shown on the of your account was zero or a credit balance. Purchases posted to your If eligible, you will automatically earn State Farm Dollars in accordance front of this statement. account during the billing cycle are not included in the daily balances with the terms and conditions disclosed in your State Farm Collars of Purchases for purposes of calculating the Interest Charge. Terms and Conditions brochure on purchases you make with your Service for the Hearing Impaired (TDWTYY� State Farm Bank Visa Card. Once you earn 50 State Farm Dollars, you For any questions or other communications about y— Account, please B there s a (V) next to the Daily Periodic Rate on the front of your can apply your reward Dollars to the State Farm products of your contact our service for the hearing impaired at 1 -677 -593 -3879. statement, this means that the rate may vary. The variable APR is the choice by accessing your account online at stalefarm com or calling Prime Rate plus your margin as disclosed in your Credit Card 1- 877 -SF4 -VISA (1- 877 - 734 -8472) Special Rule for Credit Card Purchases Agreement and Disclosure Statement and any amendment(s) thereto. If you have a problem with the quality of goods or services that you Billing Rights Summary purchased with a credit card, and you have tried in good faith to if the 'INTEREST CHARGED" on the front of your statement is $1.50 correct the problem with the merchant, you may not have to pay the (or a lesser amount as disclosed in your credit card agreement, as In Case of Errors or Questions About Your Bill re maining amount due on the goods or services. You have this amended), then the Minimum Interest Charge has been applied to If you think your bill is wrong, or N you need more information about a protection only when the purchase price was more than SSO and the yrwr Account during me Willing ryas. transaction on your bill, write us on a separate sheet at State Farm purchase was made in your home state or within 100 miles of your Bank, PO Box 1420, Deposit, New York 13754 -1420 as soon as mailing address. (If we own or operate the merchant, or I we mailed A transaction tee Interest Charge may se imposed on each Cash possible. We must hear from you no later than 60 days after we sent you the advertisement for the property or services. all Purchases are Advance. Convenience Check and Balance Transfer. If such a you the first bill on which the error or problem appeared. You can covered regardless of amount or location of purchase . transaction fee s imposed, the resulting Annual Percentage Rate for telephone us, but doing so will not preserve your rights. the billing cycle may be greater than any of the Corresponding Annual State Farm Bank Credit Protection Program P— entage Rates or dure Daily Periodic Rates. In your letter, give us the following information: Your purchase of the State Farm Bank Credit Protection Program is optional. The monthly fee for the State Farm Bank Credit Protection Purchases Grace Period 1. Your name and Account number. program is based on your total account statement balance each month There will not de an interest charge on Purchases first posted on this 2. The dollar amount of the suspected error. multiplied by the unit cost which s $0.74 per $ICO. You have the right statement of your account if you pay the entire New (Balance by the 3. Describe the error and explain, if you ran, why you believe mere to cancel the State Farm Bank Credit Protection Program at any time Payment Due Date shown on the front of this statement. You may is an error. If you need more information, describe the item you for any reason by calling or writing State Farm Bank or the program avoid an interest charge on Purchases for the billing cycle in which are unsure about. administrator. State Farm Bank has the right to cancel the State Farm they are first posted to your Account if that cycle began with a Bank Credit Protection Program if: (1) your account becomes more previous balance of zero. We_ y chard; interest o n balances from You do not have to pay any amount in question while we are than 60 days delinquent; or (2) at any time and for any reason by the previous billing cycle.,_ inning the f rst day of the new billing investigating, but you are still obligated to pay the parts of your bill giving you written notice of cancellation at least gli days in advance. cycle. This m i e ns_ will receive a statement the fgllowiny_ month that are not in question. While we investigate your question, we for interest that accrued from [ closi date of the previous billino cannot report the amount in question as delinquent or take any action There are eligibility requirements, conditions, and exclusions that cycle until the date . of. for Ixvme in- full tea - to your account. to collect the amount you question. could prevent you from receiving benefits under me State Farm Bank -' - -- Credit Protection Program. You many find a complete explanation of To mu mize the amount of this interest, pay the entire New Balance If you have authorized us to pay your credit card bill automatically eligibility requirements, conditions, and exclusions in section 3 through in full immedi . receipt of jour mont hly s[a(ernen- Each from your savings or checking account, you can stop the payment on 12 of the State Farm Bank Credit Protection Program Terms and periodic statement must be mailed or delivered to the consumer trot any amount you mink is wrong. To stop Me payment, you letter must Conditions that will be included with your `ulfllmenr materials. later than 21 days before the payment due date. There s no grace reach us three business days before the automatic payment s period for (ash Advances and Balance Transfers. scheduled to occur. Or, you may call us at the telephone number for When Charges are Added to Your Average Daily Balance Customer Service shown on the front of this statement at Last three Purchases, Cash Advances and other debits are added to the daily business days before the automatic payment is scheduled to occur balance as of the transaction date (in the "Transaction Date' column on the front of the statement) At our option, we may wart until the ousting date to add Me transaction to the daily balance. The posting date , Me date we actually process the transaction to your account. Page 3 of 4 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Percentage Subject to Interest Type of Balance Rate Interest Rate Charge Purchases 7.24% (v) $4,518.14 $27.87 Cash 20.24% (v) $0.00 $0.00 (v) = Variable Rate Please enter the account number on all checks and correspondence. News /Important Messages etc... Your account is SEVERELY DELINQUENT AND AT RISK OF BEING WRITTEN OFF AS A LOSS. This bad debt will report to the credit reporting agencies and could IMPAIR YOUR ABILITY TO RECEIVE FINANCIAL SERVICES IN THE FUTURE_. Call 1- 800 - 932 -5751 to make a payment today! Account Number: 4747 -2780 -5976 -1827 E FA¢f a New Balance: $4.670.96 Payment Due by 5PM (ET) on: February 01, 2012 Minimum Payment Due: $1.099.74 Amount Past Due: $62114 Amount Enclosed: $C� STATE FARM BANK PO BOX 23025 COLUMBUS GA 31902 -3025 Make Check Payableto: STATE FARM BANK® COLLEEN SMITH J Please check box for address or telephone 348 PLUM ST 0005195 change. LEMOYNEPA 17043 -1962 (Complete form on the reverse side). 4747278059761827 001099741 004670966 xc Detach here Please make check payable to STATE FARM BANK and send with this remittance slip in the enclosed envelope. For 24 Hour Good Neighbor Service, 'a f of 4 J Hank, Please Call: Statement Period: 12/05!11 - 01/04/12 1-877-SF4-VISA (1 -877-734-8472) Account Number: 4747 -2780- 5976 -1827 Additional contact Information Payment Due loca on reverse side by 5PM (ET) on: February 01, 2012 Summary of Account Activity Previous Balance $4,608.32 Total Credit Limit: $0.00 Payments & Credits: $0.00 Available Credit Limit: $0.00 Purchases & Other Charges $0.00 Cash Advance Limit: $0.00 Cash Advances $0.00 Available Cash Advance Limit: $0.00 Fees Charged: $35.00 Interest Charged: $27.64 Closing Date: January 04, 2012 New Balance $4,670.96 Number of Days in Cycle: 31 Payment Information New Balance: $4,670.96 Minimum Payment Warning: If you make only the minimum Minimum Payment Due: $1,099.74 payment each period, you will pay more in interest and it will take Payment Due by 5PM (ET) on: February 01, 2012 Ion erto pay off your balance. For Exam le: Late Payment Warning: If we do not receive your minimum payment Ifym make no You rMlill pay off to And you will and by the date and time listed above, you may have to pay a late fee up to additlonalchw9es ballanclashoill up PON $3500 using this card this statement in an estlmaied total and each month abort... of.;. You Pay... Only the minimum 11 years $6.231 payment If you would like information about credit counseling services, call 1- 877 - 734 -8472. Transactions For: 4747 - 2780 - 5976 -1827 —_ Posting Transaction Reference Date Date Number Descrption S Amount FEES 01 -02 -12 01 -02 -12 LATE PAYMENT FEE $35.00 TOTAL FEES FOR THIS PERIOD $35.00 INTEREST CHARGED INTEREST CHARGE - PURCHASES $27.64 TOTAL INTEREST FOR THIS PERIOD $27.64 2012 TOTAL YEAR -TO -DATE Total Fees Charged in 2012 $35.00 Total Interest Charged in 2012 $27.64 ( Please enter change of address or telephone number below- Address City state Zip Home Phone (include area coded Work Phone (include area code) To Contact Us Regarding Your Account By Telephone: Send Inquires to: Mail Payments to: Visit Our Website: In U.S. 1- 877 - 734 -8472 P.O. Box 87 P.O. Box 23025 www.statefarm.com Espanol 1- 877 - 734 -8472 Deposit, New York 13754 -0087 Columbus, Ga 31902 -3025 TDD 1- 877 - 593 -3879 Outside U.S. 1- 706 -644 -0852 Information About Your Account Here Is How We Calculate Your Interest Charges: Your statement has a Interest Charges" section. For each type of Making Payments Disputing Account Information Reported to Credit Bureaus: transaction in the "Interest Charges" section, we calculate an average You must pay all or part of your New Balance at any time. However, We furnish information about your account to credit bureaus. You have daily balance and multiply it by the Daily Periodic Rate for that balance you must always pay at least the Minimum Payment by the Payment the right to dispute the accuracy of the information reported by writing and by the number of days in the billing cycle. Then we add all these Due Date. Mail your payment, made in US dollars, accompanied by to us at: State Farm Bank, PO Box 94, Deposit New York 13754 -0094. products together and we add any transaction fee that applies. This me upper portion of your monthly statement, in Me enclosed return gives t the together Charge. envelope or to the payment address State Farm Bank, PO Box 23025, Send All Bankruptcy Notices and Documents To: Columbus, GA 31902 -3025. Pay by check or money order, and be sure State Farm Bank, PO Box 2327, Bloomington, 11 61702 -?327 Here Is How We Determine Each Of Your Average Daily to allow sufficient time for your payment m reach us by Me Payment Balances: Due Date. When you provide a check as payment, you authorize us Reporting Loss, Theft or Unauthorized Use of Your Card We calculate an 'average daily balance" separately for Purchases either to use information from your check to make a one -time Call us immediately, 24 hours a day, toll -free at 1- 877 -SF4 -VISA (excluding introductory period Balance Transfers), Cash Advances, electronic fund transfer from your account or to process the payment (1- 877 -734 -8472) if you suspect the lass, theft or unauthorized use of Introductory period Balance Transfers, and any special rate offers (as as a check transaction. When we use information from your check to your Card. You will not be liable for unauthorized use that occurs after applicable). To get the "average daily balance" of your account for make an electronic fund transfer, the funds may be withdrawn from you notify us at the above toll -free number or at PO Box 94, Deposit each of these types of transactions, we take the beginning balance of your account as soon as the same day we receive your payment and NY 13754 -0094, orally or in writing, of the logs theft, or possible your account each day, add any new Purchases (excluding introductory you will not receive your check back from your financial institution. If unauthorized use In any case, your liability will m1 exceed S50. period Balance Transfers), Cash Advances, introductory period Balance you have any questions about ACH, please call 1- 877 -SF4 -VISA Transfers or other special rate offers (as applicable), and subtract any (1- 877 - 734 - 8472). All payments (including phone remits, overnight Payments with Special Handling Instructions Payments and Credits applied of that type is transaction under the nail, etc) received by us at me payment address by 5:00 P.M. Eastern Any payment instrument you send us for less than the full balance due payment allocation method then in effect. This gives us the daily Time, Monday through Friday (our normal business days), will be Mat is marked "paid in full" or similar notation, or [hat you otherwise balance for each of these types of transactions. (Credit balances are credited to your Account as of that day. All payments (including phone tender in full satisfaction of a disputed amount, must be sent to State treated as zero for purposes of calculating the daily balances.) Then, remits, overnight mail, etc) received by us at the address indicated Farm Bank, PO Box 2326, Bloomington, It 61702 2326. We reserve all we add all of the daily balances for me billing cycle for each of these after 5:00 P.M. Eastern Time or on any non -bank business day, our nghts regarding such instruments. For example, if it is determined types of transactions and divide Me respective totals by the number of including bank holidays, will be credited to your account on the there B no valid dispute or if any such instrument is received at any days m me bilking ode. This gives us the "average tlany balance" for following bank business day. The crediting of payments received in other address, we may accept the instrument and you will still owe your account for each of these types of transactions. The average daily any other manner may be delayed. any remaining balance. Or, v may refuse to accept any such ba lances include current transactions for Purchases (including Balance instrument by returning it to you, not cashing it, or destroying it All Transfers) and for Cash Advances, except that if the Previous Balance State Farm Dollars(E) other payments should be sent to the payment address shown on the of your account was zero or a credit balance. Purchases posted Balance eligible, you will automatically earn State Farm Dollars in accordance front of this statement, account during the billing cycle are not included in the daily balances with the terms and conditions disclosed in your State Farm Dollars of Purchases for purposes of calculating the Interest Charge. Terms and Conditions brochure on purchases you make with your Service for the Hearing Impaired (TDD/TYYI State Farm Bank Visa Card. Once you earn 50 State Farm Dollars , you For any questions or other communications about your Account please if there is a (V) next to the Daily Periodic Rate on the front of your can apply your reward Dollars to the State Farm products of your contact our service for the hearing impaired at 1 -877 -593 -3879. statement, this means that me rate may vary. The variable APR a the choice by accessing your account online at statefarm com or calling Prime Rate plus your margin as disclosed in your Credit Cartl 1- 877 -SF4 -VISA (1- 877- 734 -8472) Special Rule for Credit Card Purchases Agreement and Disclosure Statement and any amendment(s) thereto. If you have a problem with the quality of goods or services that you Billing Rights Summary purchased with a credit card, and you have tried in good faith to if the "INTEREST CHARGED' on the front of your statement a $1.50 correct the problem with the merchant, you may not have to pay the f or a lesser amount as disclosed in your credit card agreement, as In Case of Errors or Questions About Your Bill remaining amount due on the goods or services. You have this amended), then the Minimum Interest Charge has been applied to If you mink your bill is wrong, or if you need more information about a protection only when the purchase price was more than $50 and the your Account during me billing cycle. transaction on your bill, write us on a separate sheet at State Farm purchase was made in your home state a witmn 100 miles of your Bank, PO Box 1420, Deposit, New York 13754 -1420 as soon as nailing address. (If we own or operate the merchant, or if we mailed A transaction ree Interest Charge may re, imposed on each Cash possible. We must hear from you no later than 60 days after we sent you the advertisement for the property or services, all Purchases are Advance, Convenience Check and Balance Transfer. If such a you the first bill on which the error or problem appeared. You can covered regardless of amount or location of purchase. transaction fee is imposed, the resulting Annual Percentage Rate for telephone us, but doing so will not preserve your rights. [he billing cycle may be greater than any of the Corresponding Annual Slate Farm Bank Credit Protection Program Percentage Rates of the Daily Periodic Rates_ In your letter, give us the following Information: Your purchase of the State Farm Bank Credit Protection Program is optional. The monthly fee for the State Farm Bank Credit Protection Purchases Grace Period 1. Your name and Account number. program 6 based on your total account statement balance each month There will not be, an Interest charge on Purchases first posted on this 2 . The dollar amount of the suspected error, multiplied by the unit cost which is $0.74 per $100. You have the night statement of your account If you pay the entire New Balance by the 3. Describe the error and explain, if you can, why you believe there to cancel the State Farm Bank Credit Protection Program at any time Payment Due Date shown on the front of this statement. You may a an error. If you need more information, describe the item you for any reason by calling or writing State Farm Bank or the program avoid an interest charge on Purchases for the billing cycle In which are unsure about. administrator. State Farm Bank has the right to cancel the State Farm they are first posted to your Account if that cycle began with a Bank Credit Protection Program if: (1) your acrount becomes more previous balance of zero We ma char - interes_t_on bala from you do not have to pay any amount in question while we are than 60 days delinquent; or (2) at any time and for any reason by the previous billing cycle inning the first day ,of p - -� 4 e st da f me new billing investigating, but you are still obligated to pay the parts of your bill giving you written notice of cancellation at least ::0 days in advance. -, _ that are not in question. While we investigate your question, we code_ This means _y will recei a statement the (Wlowing month cannot report the amount in question as delinquent or take any action There are eligibility requirements, conditions, and exclusions that for _interest _that acc from the clos date of the _previous _billing be collect th amount you question. could prevent you from receiving benefits under the _state Farm Bank rycle_ until the Qat of amoun avme n full was Posted to your account Credit Protection Program. You many find a complete explanation of To mu the_a of of this interest pay the entire _New Balance If you have authorized us to pay your credit card bill automatically eligibility requirements, conditions, and exclusi in section 3 through n -full immediately �n_roce�t of your . mon thly statement, Each from your savings or checking account, you can stop the payment on 12 of me State Farm Bank Credit Protection Program Terms and periodic statement must be mailed or delivered to m consumer e consum not any amount you mink is wrong. To stop me payment, your letter must Conditions that will he Included with your +ulhllmen, materials. Later than 21 days before the payment due date. There 6 no grace reach us three business days before the automatic payment s period for Cash Advances and Balance Transfers. scheduled to occur. Or, you may call us at the telephone number for When Charges are Added to Your Average Daily Balance Customer Service shown on me front of this statement at least three Purchases, Cash Advances and other debits are added to the daily business days before the automatic payment Is scheduleC to occur . balance as of the transaction date (In the "Transaction Date' column on the front of the statement) At our option, we may wait until the rostmg date to add the transaction to the daily balance. The posting c oc. ,, the !tat,- .v, actually process the . transaction to your account. Page 3 of 4 Intere Charge Calculatio Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Percentage Subject to Interest Type of Balance Rate Interest Rate Charge Purchases 7.24% (v) $4,480.88 $27.64 Cash 20.24% (v) $0.00 $0.00 (v) = Variable Rate Please enter the account number on all checks and correspondence. NewstImportant Messages etc... Your account is SEVERELY DELINQUENT AND AT RISK OF BEING WRITTEN OFF AS A LOSS. This bad debt will report to the credit reporting agenciesand could IMPAIR YOUR ABILITY TO RECEIVE FINANCIAL SERVICES IN THE FUTURE Call 1- 800 - 932 -5751 to make a payment today! Account Number. 4747- 2780- 5976 -1827 TE F�GF.t New Balance: $4,608.32 Payment Due by 5PM (ET) on: January 01, 2012 Minimum Payment Due: $929.46 Amount Past Due: 5514.60 Amount Enclosed: $ STATE FARM BANK PO BOX 23025 COLUMBUS GA 31902 -3025 Make Check Payableto: STATE FARM BANKO COLLEEN SMITH I Please check box for address or telephone 348 PLUM ST ** 0005226 change. I.EMOYNEPA 17043 -1962 (Complete form on the reverse side). 4747278059761827 000929464 004608320 ?- Detach here. Please make check payable to STATE FARM BANK and send with this remittance slip in the enclosed envelope For 24 Hour Good Neighbor Service, 'age , of 4 Please Call: Statement Period: 11/05/11 - 12/04/11 1- 877- SF4- VISA(1- 877 - 734 -8472) Account Number: 4747 - 2780 - 5976 -1827 Additional contact Information Payment Due loc on reverse side. by 5PM (ET) on: January 01, 2012 Summary of Account Activity Previous Balance: $4,546.78 Total Credit Limit: $0.00 Payments & Credits. $0.00 Available Credit Limit: $0.00 Purchases & Other Charges: $0.00 Cash Advance Limit: $0.00 Cash Advances $0.00 Available Cash Advance Limit: $000 Fees Charged: $35.00 Interest Charged: $26.54 Closing Date: December 04, 2011 New Balance $4,608.32 Number of Days in Cycle: 30 Payment Information New Balance: $4,608.32 Minimum Payment Warning: If you make only the minimum Minimum Payment Due: $929.46 payment each period, you will pay more in interest and it will take Payment Due by 5PM (ET) on: January 01, 2012 on erto pay off yo ur balance. For Exam le: Late Payment Warning: If we do not receive your minimum payment If you maiceno You wM payoff the And you yailtend by the date and time listed above, you may have to pay a late fee up to addlitionalcheirges balance sh~ on up $35.00 using tot card this statement in an esffnwW total and each month about... of.:. You pay... Only the minimum ! 11 years $6.197 payment If you would like information about credit counseling services, call 1- 877 - 734 -8472. Transactions For: 4747 - 2780 -5976 -1827 r -- - -- Posting Transaction Reference Date Date Number D $ Amount - FEES 12 -01 -11 12 -01 -11 LATE PAYMENT FEE $35.00 TOTAL FEES FOR THIS PERIOD $35.00 INTEREST CHARGED INTEREST CHARGE - PURCHASES $26.54 TOTAL INTEREST FOR THIS PERIOD $26.54 2011 TOTAL YEAR -TO -DA Total Fees Charged in 2011 5200.00 Total Interest Charged in 2011 S299.84 Please enter charge of address or telephone number below_ Address - - - -- !:ile State Z Home Phone (Include area code, Work Phone (include area code) To Contact Us Regarding Your Account J , ? n By Telephone: Send Inquires to: Mail Payments to: Visit Our Website: In U.S. 1- 877 - 734 -8472 P.O. Box 87 P.O. Box 23025 w ww.statefarm.com Espanol 1- 877 - 734 -8472 Deposit, New York 13754 -0087 Columbus, Ga 31902 -3025 TDD 1- 877 - 593 -3879 Outside U.S. 1- 706 - 644 -0852 Information About Your Account Here Is How We Calculate Your Interest Charges: Making Payments Disputing Account Information Reported to Credit Bureaus: Your statement has a Interest Charges" section. For each type of You must pay all or part of your New Balance at any time. However, We furnish information about your account to credit bureaus. You have transaction in the "Interest Charges" section, we calculate an average daily balance and multiply must always Pa yment b the Payment the right to dispute the accurac of the information re by writing reported days it by the Deity Periodic Rate for that balance you Pay at least the Minimum Pa y y y g p and by the number of f days in the billing cycle. Then we atl0 sit all these Due Date. Mail your payment, made in dollars, accompanied by to us at: State Farm Bank, PO Box 94, Deposit, New York 13754 -0094 . products together and we add any transaction fee that applies. This the upper portion of your na statement, t, in the enclosed return gives its me Interest Charge. envelope or to the payment address Stale Farm Bank, PO Box 23025, Send All Bankruptcy Notices and Documents !u: Columbus, GA 31902 -3025. Pay by check or money order, and be sure State Farm Bank, PO Box 2327, Bloomington, II 61!02 -2327 Here Is How We Determine Each Of Your Average Daily to allow sufficient time for your payment to reach us by the Payment Balances: Due Date. When you provide a check as payment, you authorize us Reporting Loss, Theft or Unauthorized Use of Your Card We calculate an 'average daily balance" separately for Purchases either to use information from your check to make a one -time Call us immediately, 24 hours a day, toll -free at 1- 877 -SF4 -VISA (excluding introductory period Balance Transfers), Cash Advances, electronic fund transfer from your account or to process the payment (1- 877 -734 -8472) if you suspect the kiss, theft or unauthorized use of Introductory period Balance Transfers, and any special rate offers (as as a check transaction. When we use information from your check to your Card. You will not be liable for unauthorized use that occurs after applicable). To get the "average daily balance" of your account for make an electronic fund transfer, the funds may be withdrawn from you notify us at the above toll -free number or ac PO Box 94, Deposit, each of these types of transactions, we take the beginning balance of your account as seen as the same day we receive your payment and NY 13754 -0094, orally or in writing, of the loss, theft, or possible your account each day, add any new Purchases (excluding introductory you will not receive your check back from your financial institution. If unauthorized use. In any case, your liability will not exceed $50. period Balance loansfers), Cash Advances, introductory period Balance you have any questions about ACH, please call 1877- SF4-VISA Transfers or other special rate offers (as applicable), and subtract any (1-877 - 734 - 8472). All payments (including phone remits, overnight Payments with Special Handling Instructions Payments and Credits applied to that type of transaction under the mail, etc) received by us at the payment address by 5:00 P.M. Eastern Any payment instrument you send us for less than the full balance due payment allocation method then in effect. This gives us the daily Time, Monday through Friday (our normal business days), will be that 6 marked "paid in full" or similar notation, or that you otherwise balance for each of these types of transactions. (Credit balances are credited to your Account as of that day. All payments (including phone tender in full satisfaction of a disputed amount, must be sent to State treated as zero for purposes of calculating the daily balances.) Then, remits, overnight mail, etc) received by us at the address indicated Farm Bank, PO Box 2326, Bloomington, II. 61702 -2326. We reserve all we add all ze the daily balances for the billing cycle for each Of these after 5:00 P.M. Eastern Time or on any non -bank business day, our rights regarding such instruments. For example, r it s determined types of transactions and divide the respective totals by the number of including bank holidays, will be credited to your account on the there s instrument valid dispute or IF any such instruent is received at any days in the billing cycle. This gives us the "average daily balance" for following bank business day. The crediting of payments received in other address, we may accept the instrument and you will still owe your account for each of these types of transactions. The average daily any other manner may be delayed. any remaining balance. Or, we may refuse to accept any such balances include current transactions for Purchases (including Balance instrument by returning it to you, not cashing A, or destroying it. All Transfers) and for Cash Advances, except that if the Previous Balance State Farm Dollars@ other payments should be sent to the payment address shown on the of your account was mro or a credit balance. Purchases posted to your If eligible, you will automatically earn State Farm Dollars in accordance front of this statement. account during the billing cycle are not included in the daily balances with the terms and conditions disclosed in your State Farm Dollars of Purchases fer purposes of calculating the interest Charge. Terms and Conditions brochure on purchases you make with your Service for the Hearing Impaired (TDDITYY) State Farm Bank Visa Card. Once you earn 50 State Farm Dollars, you For any questions or other communications about your Account, please If there is a (V', next m the Daily Periodic Rate on the front of your ran apply your reward Dollars m the State Farm products of your contact our service for the hearing Impaired at 1- 377 -593 -3879. statement, this means that the rate may vary. The variable APR s the choice by accessing your account online at slatefam, our caning Prime Rate plus your margin as disclosed in your Credit Card 1877 -SF4 -VISA (1 -877- 734 -84721 Special Rule for Credit Card Purchases Agreement are Disclosure Statement and any amendment(s) thereto. If you have a problem with the quality of good< gar services that you Billing Rights Summary purchased with a credit card, and you have hied in good faith to If the 'INTEREST J ARCED" on the front of your statement s $1.50 correct the problem with the merchant, you may not have m pay the ;or a lesser amount as disclosed in your credit card agreement, as In Case of Errors or questions About Your Bill remaining amount due on the goods w s aces. You have this amended), then the Minimum Interest Charge has been applied to If you think your bill s wrong, or A you need more information about a protection only when the purchase price was more than S50 and the Your A¢ou nt during the billing cycle transaction on your bill, write us on a separate sheet at State Farm purchase was made in your home state or within 100 miles of your Bank, PO Box 1420, Deposit, New York 13754 -1420 as soon as mailing address. (If we own or operate the merchant, or if we mailed A transaction fee Interest Charge may ae imposed on each Cash possible. We must hear from you no later than 60 days after we sent you the advertisement for the property or services, all Purchases are Advance. Convenience Check and Balance Transfer. If such a you the first bill on which the error or problem appeared. You can covered regardless of amount or location of purchase.) transaction fee is Imposed, the resulting Annual Percentage Rate for telephone us, but doing so will not preserve your rights. the billing cycle may be greater than any of the Corresponding Annual State Farm Bank Credit Protection Program Percentage Rates of the Daily Periodic Rates_ In your letter, glue us the following information: Your purchase of the State Farm Bank Farm Protection Program s optional. The monthly fee for the Stale Farm Panic Credit Protection Purchases Grace Period 1. Your name and Account number. program 6 based on your total account statemen; balance each month There will not be an interest charge on Purchases first posted on this 2. The dollar amount of the suspected error. multiplied by the unit cost which s $0.74 per 51110. You have the right statement of your account if you pay the entire New Balance by the 3. Describe the error and explain, if you can, why you believe there to cancel the State Farm Bank Credit Protection Program at any time payment Due Date shown on the front of this statement. You may is an error. If you need more information, describe the rem you for any reason try calling or writing State Farm Bank or the program avoid an interest charge on Purchases for the billing cycle in which are unsure about. administrator. State Farm Bank has the right to cancel the State Farm they are first posted to your Account If that cycle began with a Bank Credit Protection Program rf: (I) your account becomes more previous balance of zero. We ma y_ c harge - .i nterest o n balances from You do not have [o pay any amount m question wnile we are than 60 days delinquent; or (2) at any time and for any reason try the previous _b b� illing cycle . Investigating, but you are still obligated to pay the parts of your bill giving you written notice of cancellation at least 30 days in advance. ceive a state ment of the the__fr new_ on that are not in question. While we investigate your question, we cycle_ This h L will rece ive the following mon h t nnot report the amount in question as delinquent or take any action There are eligibility requirements, conditions, and exclusions that fpr inter mat at ac crued from the closino date of the previous billing ca [o collect the amount you question. could prevent you from receiving benefits under the State Farm Bank To minim the the a o _r nt payment h est, was posted to your account Balance Credit Protection Program. You many find a complete explanation of q _minimize amount this interest pay the entire New if en have authorized us to d bill In -full immediately upon receiptt_of m - statement. your onthly Each y �y y our credit car l automatic eligibility tY requirements, conditions, and exclusions m section 3 through periodic statement must be mailed or delivered to the [onsumer not from your savings or checking account, you can stop the payment on 12 of the State Farm Bank Credit Protection Program Terms and later than 21 days before the payment due date. There is no grace any amount you think is wrong. To stop the payment, your letter must Conditions that will be included with your fulfillment materials. period for Cash Advances and Ralance Transfers reach us three business days before the automatic payment is scheduled to occur. Or, you may call us at the telephone number for When Charges are Added to Your Average Daily Balance Customer Service shown on the front of this statement at least three Purchases Cash Advances and other debits are added to the daily business days before the automatic payment is scheduled to occur . balance as of the transaction date (in the "Transaction Date" column on the front of the statement) At our option, we may wait until the posting date to add the transaction to the daily balance. The posting date Is the dare — actually process the transaction to yair account. Page 3 of 4 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Percentage Subject to Interest Type of Balance Rate Interest Rate Charge Purchases 7.24% (v) $4,446.27 $26.54 Cash 20.24% (v) $0.00 $0.00 (v) = Variable Rate Please enter the account number on all checks and correspondence. News /Important Messages etc... Your State Farm Bank credit card account is now FIVE(5) PAYMENTS PAST DUE. We will attempt to work with our customers to establish payment arrangements. Please call 1- 800 - 932 -5751 to resolve the serious delinquent status of your account. - - - - -- Account Number: 4747- 2780 -5976 -1827 New Balance: $4,546.78 f Payment Due by 5PM (ET) on: December 01, 2011 insurnwcn`� _ Minimum Payment Due: $761.38 Amount Past Due. $407.39 Amount Enclosed: $ STATE FARM BANK PO BOX 23025 COLUMBUS GA 31902 -3025 Make Check Payableto: STATE FARM BANK(F) COLLEEN SMITH Please check box for address or telephone 348 PLUM ST ** 0005303 change. LEMOYNE PA 17043 -1962 (Complete form on the reverse side). 4747278059761827 000761385 004546780 ?c Detach here. Please make check payable to STATE FARM BANK and send with this remittance slip in the enclosed envelope. For 24 Hour Good Neighbor Service, Page 1 of 4 " E Please Call: Statement Period 10/05/11 - 11/04/11 1-877-SF4-VISA (1 -877-734-8472) Account Number: 4747 - 2780- 5976 -1827 Additional contact Information Payment Due located on reverse side. by 5PM_ (ET) on: December 01, 2011 Summary of Account Activity — Previous Balance $4,484.57 Total Credit Limit: $0.00 Payments & Credits $0.00 Available Credit Limit: $0.00 Purchases & Other Charges: $0.00 Cash Advance Limit $0.00 Cash Advances: $0.00 Available Cash Advance Limit: $0.00 Fees Charged: $35.00 Interest Charged: $27.21 Closing Date: Novernber04, 2011 New Balance $4,546.78 Number of Days in Cycle: 31 Payment Information New Balance: $4,546.78 Minimum Payment Warning: If you make only the minimum Minimum Payment Due: $761.38 payment each period, you will pay more in interest and it will take Payment Due by 5PM (ET) on: December 01, 2011 on er to payoff your balance. For Example: Late Payment Warning: If we do not receive your minimum payment If youn*M no You will payoff the And your end by the date and time listed above, you may have to pay a late fee up to addiftlon6dwipgas balanceshown on up paying $3500 using Oa wd the stailleillillient In an astilmalled total and each mordh about... ol you pay... Only the minimum 11 years $6,160 payment If you would like information about credit counseling services, call 1- 877 - 734 -8472. Transactions For: 4747 - 2780 -5976 -1827 Posting Transaction Reference Date Date Number Descr iption $ Amount _ _ I FEES _ 11 -01 -11 11 -01 -1 1 LATE PAYMENT FEE $35.00 TOTAL FEES FOR THIS PERIOD $35.00 I NTEREST C HAR G ED INTEREST CHARGE - PURCHASES $27.21 TOTAL INTEREST FOR THIS PERIOD $27.21 2 011 TOTAL YEAR -TO -DA Total Fees Charged in 2011 $165.00 Total Interest Charged in 2011 $273.30 Please enter change of address or telephone number below_ Address Cd; State Zip Home Phone (include area code) Work Phone (include area code) To Contact Us Regarding Your Account C ? By Telephone: Send Inquires to: Mail Payments to: Visit Our Website: In U.S. 1- 877 - 734 -8472 P.O. Box 87 P.O. Box 23025 www.state,farm.co Espanol 1- 877 - 734 -8472 Deposit, New York 13754 -0087 Columbus, Ga 31902 -3025 TDD 1- 877 - 593 -3879 Outside U.S. 1- 706 - 644 -0852 Information About Your Account Here Is How We Calculate Your Interest Charges: Making Payments Disputing Account Information Reported to Credit Bureaus: Your statement has a Interest Charges" section. For each type of transaction in You must pay all or part of your New Balance at any time. However, We furnish information about your account to Credit bureaus. You have daily the "Interest Charges " section, we calculate an average Pa Pa ht balance and e Daily Periodic Rate for that balance Y o u must always pay at least the Minimum Payment by the Pa yment the night to dispute pu the accuracy of the information re ported by writing a and by Me number r o of f days rt in n Me billing cycle. Then we add all these Due Date. Mail your payment, made in US dollars, accompanied by to us at: State Farm Bank, PO Box 94, Deposit, Now York 137540094. . products together and we add any transaction fee that applies. Th is the upper portion of your monthly statement, in the enclosed return gives us the Intenst Charge envelope or to the payment address State Farm Bank, PO Box 23025, Send All Bankruptcy Notices and Documents lo: Columbus, GA 31902 -3025. Pay by check or money order, and be sure State Farm Bank, PO Box 2327, Bloomington, II E1702.2321 Here Is How We Determine Each Of Your Average Daily to allow sufficient time for your payment to reach us by the Payment Balances: Due Date. When you provide a check as payment, you authorize us Reporting Loss, Theft or Unauthorized Use of Your Card We calculate an "average daily balance" separately for Purchases either be use information from your check to make a one -time Cali us immediately, 24 hours a day, toll -free at 1- 877 -SF4 -VISA (excluding introductory period Balance Transfers), Cash Advances, electronic fund transfer from your account or to process the payment (1- 877 -734 -8472) if you suspect the loss, theft or unauthorized use of introductory Aerial Balance Transfers, and any special rate offers e" as a check transaction. When we use information from your check to your Card. You will not be liable for unauthorized use that occurs after applicable). To get the "average daily balance" of your account for make an electronic fund transfer, the funds may be withdrawn from you notify us at the above toll -free number or at PO Box 94, Deposit, each of these types of transactions, we take the beginning balance of Your account as soon as the same day we receive your payment and NY 13754 -0094, orally or In writing, of the loss, theft, or possible your account each day, add any new Purchases (excluding introductory You will not receive your check back from your financial institution. If unauthorized use. In any case, your liability will not exceed $50. period Balance Transfers), Cash Advances, introductory period Balance you have any questions about ACH, please call 1- 877 -SF4 -VISA Transfers or other special rate offers (as applicable), and subtract any (1- 877 -734- 8472). All payments (including phone remits, overnight Payments with Special Handling Instructions Payments and Credits applied to that type of transaction under the nail, etc) received by us at the payment address by 5:00 P.M. Eastern Any payment instrument you send us for less Man the full balance due Ti payment allocation method then in effect. This gives us the daily me, Monday through Friday (our normal business days), will be that is marked "paid in full" or similar notation, or that you otherwise balance for each of these types of transactions. (Credit balances are credited to your Account as of that day. All payments (including phone tender in full satisfaction of a disputed amount, must be sent to State treated as zero for purposes of calculating the daily balances.) Then, remits, overnight mail, etc) received by us at the address indicated Farm Bank, PO Box 2326, Bloomington, IL 61702 -2326. We reserve all we add all of the daily balances for the billing cycle for each of these after 5:00 P.M. Eastern Time or on any non -bank business day, our rights regarding such Instruments. For example, f it s determined types of transactions and divide the respective totals by the number of including bank holidays, will be credited to your account on the there is no valid dispute or if any such instrument s received at any days In the billing cycle. This gives us Me 'average dally balance' for following bank business day. The crediting of payments received in other address, we may accept the instrument and you will still owe your account for each of these types of transactions. The average daily any other manner may be delayed. any remaining balance. Or, we may refuse to accept any such balances include current transactions for Purchases (including Balance instrument by returning it to you, not cashing t, or destroying it Ail x0 Transfers ) and for Cash Advances, except that if the Previous Balance State Farm Dollars other payments should be sent to the payment address shown on the of your account was zero or a credit balance. Purchases posted to your If eligible, you will automatically earn State Farm Dollars in accordance front of this statement. account during Me billing cycle are not included in the daily balances with the terms and conditions disclosed in your State Farm Dollars of Purchases for purposes of calculating the Interest Charge. Terms and Conditions brochure on purchases you make with your Service for the Hearing Impaired (TDDITYY) State Farm Bank Visa Card. Once you earn 50 State Farm Dollars, you For any questions or other communications abduc your Account, please If there 6 a (V; next to the Daily Periodic Rate on the front of your can apply your reward Dollars to the State Farm products of your contact our service for the hearing impaired at 1 877 -593 -3879. statement, this means that the rate may vary. The variable APR s the choice by accessing your account online at stalefarm com or calling Prime Rate plus your margin as disclosed In your Credit Card 1- 877 -SF4 -VISA (1 -877 -734 -8472} Special Rule for Credit Card Purchases Agreement and Disclosure Statement and any amendment(s) thereto. If you have a problem with the quality of goods or services that you Billing Rights Summary purchased with a credit card, and you have tried In good faith to If the "INTEREST CHARGED" on the front of your statement is $1.50 correct the problem with the merchant, you may not have to pay the (or a lesser amount as disclosed In your credit card agreement, as In Case of Emors or Questions About Your Bill remaining amount due on the goods or services. You have this amended), [hen the Minimum Interest Charge has been applied to If you think you r bill s wrong, or A you need more information about a protection only when the purchase price was more than $50 and the your Account during Me bilking cycle. transaction on your bill, write us on a separate sheet at State Farm purchase was made In your home state or within 100 miles of your Bank, PO Box 1420, Deposit, New York 13754 -1420 as soon as mailing address. (If we own or operate the merchant, or if we mailed A transaction fec Interest Charge may be imposed on each Cash possible. We must hear from you no later than 60 days after we sent you the advertisement for the property or services, all Purchases are Advance, Convenience Check and Balance Transfer. If such a you the first bill on which the error or problem appeared. You can covered regardless of amount or location of purUrasc,; transaction fee is imposed, the resulting Annual Percentage Rate for telephone us, but doing so will not preserve your rights. the billing cycle may be greater than any of the Corresponding Annual State Farm Bank Credit Protection Program Percentage Rates of the Dedy Periodic Rates. In your letter, give us the following information: Your purchase of the State Farm Bank Credit Protection Program s optional. The monthly fee for the State Farm [lank Credit Protection Purchases Grace Period i Your name and Account number. program s based on your total account statement balance each month There will not be an interest charge on Purchases first posted on this 2 The dollar amount of the suspected error, multiplied by Me unit cost which is $0.74 per $10C. You have the night of your account if you pay the entire New Balance by Me 3 Describe the error and explain, if you can, why you believe there to cancel the State Farm Bank Credit PrMecbon Program at any time Payment Due Date shown on the front of this statement. You may s an error. if you need more information, describe the item you for any reason by calling or writing State Farm Bank or the program avoid an Interest charge on Purchases for the billing cycle in which are unsure about. administrator. State Farm Bank has the r!ght to cancel the State Farm they are first posted to your Account if that cycle Vegan with a Bank Credit Protection Program if: (1) your account becomes more t balance posted zero. We my dhoti _ interest le balances from You do not have to pay any amount in question while we are than W days delinquent; or (2) at any time aid for any reason by Theprevious _ billing cycle. begin ning a r first. eas f the, new_ investigating, but you are still obligated to pay the parts of your bill giving you written notice of cancellation at least M days in advance. billing- that are not in question. While we investigate your question, we cyde _ This i you -will rece a sta the following month report cannot the amount in question as delinquent or take an eligibility for. interest that _a ccrued from the closing date of the previous - billin Y action There are requirements, conditions, antl exclusions that c cycle th_e date vment in -full was ousted [o your account to collect the amount you question. could prevent you from receiving benefits under the State Farm Bank yc u ut I t the amount of this interest p Me ti New Balance Credit Protection Program. You many find a complete explanation of in-full o To minimize, _urn _rem[_ interest, _ th e statement, Each If you have authorized us to pay your credit card bill automatically eligibility requirements, conditions, and exclusions In section 3 through periodic statement must be mailed or delivered to the consumer not From your savings or checking account, you can stop the payment on 12 of the State Farm Bank Credit Protection Program Terms and later than 21 days before the payment due date. There is no grace any amount you think is wrong. To stop the payment, your letter must Conditions that will be included with your fulfillmert materials. ceriod for :ash Advances and Balance Transfers. reach us three business days before the automatic payment s scheduled to occur. Or, you may call us at the telephone number for When Charges are Added to Your Average Daily Balance Customer Service shown on the front of this statement at least three Purchases, Cash Advances and other debits are added to the daily business days before the automatic payment 6 scheduled to ocrur . balance as of the transaction date (in the "Transaction Date" column on the front of the statement) At our option, we may wait until the rusting date to add the transaction to the daily balance. The posting date s the date we actually process the transaction to your account. .... .... .... . Page 3 of 4 Intere Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Percentage Subject to Interest Type of Balance Rate Interest Rate Charge Purchases 7.24% (v) $4,410.42 $27.21 Cash 20.24% (v) $0.00 $0.00 (v) = Variable Rate Please enter the account number on all checks and correspondence. News /important Messages etc... Your account is SERIOUSLY DELINQUENT. Without the full payment due, our collection department will continue to contact you for payment. Please call us today at 1- 800 - 932 -5751 to make payment arrangements or confirm previous payment arrangements. Account Number 4747- 2780 -5976 -1827 New Balance: $4,484.57 Payment Due by 5PM (ET) on: November 01, 2011 N= uaAN`a Minimum Payment Due: $591.96 Amount Past Due: $301.28 Amount Enclosed: $ STATE FARM BANK PO BOX 23025 COLUMBUS GA 31902 -3025 Make Check Payableto: STATE FARM BANKS COLLEEN SMITH I Please check box for address or telephone 753 ERFORD RD * 0005344 change. CAMP HILL PA 17011 -1126 (Complete form on the reverse side). 4747278059761827 000591960 004484579 i Detach here. Please make check payable to STATE FARM BANK and send with this remittance slip in the enclosed envelope For 24 Hour Good Neighbor Service, Pa I of a . ..... .. "'Bank, Please Call: Statement Period: 09/05/11 - 10/04/11 1-877-SF4-VISA (1 -877-734-8472) Account Number: 4747 - 2780 -5976 -1827 Additional contact Information Payment Due loc on rev side by 5PM (ET) on: November0l , 2011 Summary of Account Activity Previous Balance: $4,423.46 Total Credit Limit: $0.00 Payments & Credits $0.00 Available Credit Limit: $0.00 Purchases & Other Charges: $0.00 Cash Advance Limit: $0.00 Cash Advances: $0.00 AvailableCash Advance Limit: $0.00 Fees Charged: $35.00 Interest Charged: $2 Closing Date: October 04, 2011 New Balance: $4,484.57 Number of Days in Cycle: 30 Payment Information New Balance: $4,484.57 Minimum Payment Warning: If you make only the minimum Minimum Payment Due: $591.96 payment each period, you will pay more in interest and it will take Payment Due by 5PM (ET) on: November 01, 2011 Ion erto pay off your ba lance. For E xam le: Late Payment Warning: If we do not receive your minimum payment If you make no You vA payoff ft And you wil end by the date and time listed above, you may have to pay a late fee up to addillionialcharges ballar=Shmmon up p $35.00 using fts card ft 511aillemel in an kAaI and each month about.. Of... You pay... Only the minimum 11 years $6,127 payment If you would like information about credit counseling services, call 1- 877 - 734 -8472. Transactions For: 4747 - 2780 - 5976 -1827 Posting Transaction Reference Date Date Number Des $Amount FE 10 -03 -11 10 -03 -11 LATE PAYMENT FEE $35.00 TOTAL FEES FOR THIS PERIOD $35.00 INT CHAR INTEREST CHARGE- PURCHASES 526.11 TOTAL INTEREST FOR THIS PERIOD $26.11 2 01 1 TOTAL YEAR -TO -D ATE Total Fees Charged in 2011 $130 00 Total Interest Charged in 2011 $246.09 Please enter range of address or telephone number below. Add —, Olt, State Zip Home Phone nclude area code) Work Phone (include area code) To Contact Us Regarding Your Account ? , By Telephone: Send Inquires to: Mail Payments to: Visit Our Website: In U.S. 1- 877 - 734 -8472 P.O. Box 87 P.O. Box 23025 www.st-atefarm.com Espanol 1- 877 - 734 -8472 Deposit, New York 13754 -0087 Columbus, Ga 31902 -3025 TDD 1- 877 -593 -3879 Outside U.S. 1- 706 - 644 -0852 Information About Your Account Here Is How Calculate Your Interest Charges: Making Payments Disputing Account Information Reported to Credit Bureaus: Your statement t h has a Interest Charges" section. For each type of You most pay all or part of your New Balance at any time. However, We furnish information about your account to credit bureaus. You have rally in the "Interest Charges" section, we R for an average must always t least the Minimum Payment b the P the ht to ds ute the accuracy of the information reported b to daily balance and multiply It by the Daily Periodic Rate for that balance you ys pay a y y y rig p cy y w riting and by the number of days in the billing cycle. Then we add all these Due Dale. Mail your payment, made in US dollars, accompanied by to us at: State Farm Bank, PO Box 99, Deposit, New York, 13759 -0099. products together and we add any transaction fee that applies. This the upper portion of your monthly statement, in the enclosed return owes us the Interest Charge envelope or to the payment address State Farm Bank, PO Box 23025, Send All Bankruptcy Notices and Documents to Columbus, GA 31902 -3025. Pay by check or money order, and be sure State Fan Bank, PO Box 2327, Bloomington, 11 61718 2 ?7 Here Is How We Determine Each Of Your Average Daily to allow sufficient done for your payment to reach us by the Payment Balances: Due Date. When you provide a dhedc as payment, you authorize us Reporting Loss, Theft or Unauthorized Use of Your Card We calculate an erage tlaily balance' separately for Purchases either to use information from your check to make a one -time Call us immediately, 24 hours a day, toll free at 1 -877 SF4 -VISA excluding introductory period Balance Transfers), Cash Advances, electronic fund transfer from your account or to process the payment (1- 877 -734 -8472) t you suspect the loss, theft or unauthorized use of introductory period Balance transfers, and any special rate offers (as as a check transaction. When we use Information from your check to your Card. You will not be liable for unauthorized use that ours after applicable). To get the "average daily balance' of your account for make an electronic fund transfer, the funds may be withdrawn from you notify us at the above toll free number or at P7 Box 94, Deposit, each of these types of transactions, we take the beginning balance of your account as soon as the same day we receive your payment and NY 13754 -0094, orally or in writing, of the loss, theft or possible your account each day, add any new Purchases ( excluding introductory you will not receive your check back from your financial institution. If unauthorized roe. In any case, your lability •,III not exceed $50. period Balance Transfers), Cash Advances, introductory period Balance you have any questions about ACE, please call 1 -877 SF4 -VISA Transfers or other specal rate offers (as applicable), and subtract any (1 -877 - 734 - 8472). All payment (including phone remits, overnight Payments with Special Handling Instructions Payments and Credits applied to that type of transaction under the nail, etc) received by us at the payment address by 5:00 P.M. Eastern Any payment Instrument you send us for less than the full balance due Payment allocation method then in effect. This gives m the daily Time, Monday through Friday (our normal business days), will be that is marked "paid In full' or soular notaten, or tat you otherwise halance for each of these types of transactions. (Credit balances are credited to your Account as of that day. All payments (including phone tender in full satisfaction of a disputed amount, most be sent to State = led as zero for purposes of calculating the daily balances.) Then remits , overnight rail, etc) received by us at the address indicated Farm Bank, PO Box 2326, Bloornhigton, IL 61 702 43 26. We reserve all e add all of the daily balances for the billing cycle for each of these , after 5:00 P.M. Easter Time or on any non -bank business day, our rights regarding such instruments . For example, if R is determined types of transactions and divide the respective rotas by the number of including bank holidays, will be credited to your account on the there is no valid dispute or if any such instrument is received at any days in the billing cycle. This gives us the "average daily baance' for following bank business day. The crediting of payments received in other address, we may accept the instrument and you will still owe your account for each of these types of transactions. The average daily any other manner may be delayed, any remaining balance. Or, we may refuse to accept any such balances inciode current transactions for Purchases (including Balance instal ent by returning it to you, not cashing It, or destroying d. All Transfers ) and for Cash Advances, except tat if the Previous Balance State Farm Dollars® other payments should be sent to the payment actress shown on Me of your account was zero or a credit balance. Purchases posted to your If eligible, you will automatically earn State Farm Dollars in accordance front of this statement . account during the billing cycle are not included in the daily balances with the terms and conditions disclsed in your State Farm Dollars of Purchases for purposes of calculating the Interest Charge. Terms and Conditions brochure on purchases you make with your Service for the Hearing impaired (TDDITYY) State Farm Bank Visa Card. Once you earn 50 State Farm Dollars, you For any questions or other communications about your Account, please It there is a V) next to the Daily Periodic Rate on the front of your can apply your reward Dollars to the State Farm products of your contact our service for the hearing impaired at 1 877 - 'i9? - 3879. statement, cols means that the rate may vary . The variable APR 6 the choice by accessing your account online at state —cam or callog Prime Rate plus your margin as disclosed in your Credit Card 1- 877 -SF4 -VISA (1- 877 - 734 -8472} Special Rule for Credit Card Purchases Agreement and Disclosure Statement and any amendments) thereto. If you have a problem with the quality of goods or —ces that you Billing Rights Summary purchased with a credit card, and you have tried In good faith to If the 'INTEREST CHARGED" an the front of your statement Is $1.50 correct the problem with the merchant, you may not have to pay the for a lesser amount as disclosed in your credit card agreement, as In Case of Errors or Questions About Your Bill remaining amount due on the goods or services You have this mended), then the Minimum Interest Charge has been applied to If you think your bill is wrong, or if you need more information about a protection only when the purchase price was more than 550 and the ,nor Account during the billing cycle transaction on your bill, write us on a separate sheet at State Farm purchase was made in your home state or within 100 miles of your Bank, PO Box 1420, Deposit, New York 13754 -1420 m soon as mailing address. (If we own or operate the merchil or A we mailed A transaction fee Interest Charge may be imposed o n each Cash possible. We must hear from you no later than 60 days after we sent you the advertisement for the property a services, all Purchases are Advance, Convenience Check and Balance Transfer. If such a you the first bill on which the error or problem appeared. You can covered regardless of amount or location of purchas, . transaction fee s Imposed, the resulting Annual Percentage Rate for telephone us, but doing so will not preserve your rights . the billing cycle may be greater than any of the Corresponding Annual State Farm Bank Credit Protection Program Percentage Rates of the Daily Periodic Rates In your letter, give us the following information: Your purchase of the State Farm Bank Credit Protection Program is optional. The monthly fee for the State Farm Bank Credit Protection Purchases Grace Period 1. Your name and Account number, program is based on your total account statement balance each month There wit, not be an interest charge on Purchases first posted on this 2. The dollar amount of the suspected error . multiplied by the unit cost which is $0.79 per $100. You have the right Statement of your account N you pay the enure New Balance by the 3. Describe the error and explain, if you ran, why you believe there to cancel the State Farm Bank Credit Protection Program at any time Payment Due Date shown on the front of this statement. You may s an era. If you need more Information, describe the item you for any reason by calling or writing State Farm B ank or the program void an interest charge on Purchases for the billing cycle in which are unsure about. adminstrator. State Farm Bank has the right to cancel the State Farm they are first posted to your Account if that cycle began with a Bank Credit Protection Program if: (1) your account becomes more p evious balance of zero. We -coal charge - Interest on balances from You do not have to pay any amount in question while we are than 60 days delinquent; or (2) at any time aril for any reason by t e pr evious bilking_ cede begi ring the first day - of the. n_ billing investigating, but you are still obligated to pay the parts of your bill giving you written notice of cancellation at least 30 days in advance . cycle . -_ means _will, _recei a statement the following month that are not in question. White we investigate your question, we for - int erest that accru ham the closing date of the pr evious billing cannot report the amount in queston as delinquent or take any action There are eligibility requirements, conditions, and exclusions that cycle until the date oavment in _full ve sted to vour account to collect the amount you question could prevent you from receiving benefits under the State Farm Bank To mnmize the amount of this i nterest pay the - _ enti New Balance Credit Prolecton Program. You many find a complete explanaton of i n full _ mmetlia[eI .fin rel ipt of monthly _sta tement. Each 11 you have authorized us to pay your —it card bill automatically ellgibil lty requirements, conditions, and exdus - section 3 through Periodic, statement must be mailed or delivered to the consumer not from your savings or checking account, you can stop the payment on 12 of the State Farm Bank Credit Protection Program Terms and Liter man 21 days before the payment due date There is no grace any amount you think is wrong. To stop the payment, your letter most Conditions that will be included with your fulfillment material penoo fee Cash. Advances and Balance Transfers reach us three business days before the automatic payment s scheduled to occur. Or, you may call us at the telephone number for When Charges are Added to Your Average Daily Balance Customer Service shown on the front of this statement at least three Purchases, Cash Advances and other debits are added to the daily business days before the automatic payment Is scheduled to occur balance as of the transaction date (in the "Transaction Date" column on me front of the statement) At our option, we may wait until the pasting date to add Me transaction to the daily balance The posting fate s the date we actually process the transaction to your account Page 3 of 4 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Percentage Subject to Interest Type of Balance Rate Interest Rate Charge Purchases 7.24% (v) $4,372.79 $26.11 Cash 20.24% (v) $0.00 $0.00 (v) = Variable Rate Please enter the account number on all checks and correspondence. NewslImportant Messages etc... Your account is now THREE PAYMENTS PAST DUE. The delinquent status of your account is reported to the credit reporting agencies and may DAMAGE YOUR CREDIT RATING. Call us today at 1- 800 - 932 -5751 to make payment arrangements Account Number: 4747 - 2780 -5976 -1827 s..r New Balance: $4,423.46 Payment Due by 511 (ET) on: October 01, 2011 Minimum Payment Due: $424.74 Amount Past Due: $194.51 Amount Enclosed: $, STATE FARM BANK PO BOX 23025 COLUMBUS GA 31902 -3025 Make Check Payable to: STATE FARM BANK® COLLEEN SMITH I Please check box for address or telephone 753 ERFORD RD * 0005406 change. CAMP HILL PA 17011 -1126 (Complete form on the reverse side), 4747278059761827 000424749 004423467 Detach here. Please make check payable to STATE FARM BANK and send with this remittance slip in the enclosed envelope. For 24 Hour Good Neighbor Service, Page 1 of 4 )1 ` Please Call: Statement Period: 08/05/11 - 09/04/11 1_ 1- 877- SF4- VISA(1- 877 - 734 -8472) Account Number: 4747 -2780- 5976 -1827 t Additional contact Information Payment Due located on reverse side. by 5PM (ET) on: October 01, 2011 Summary of Account Activity Previous Balance. $4,361.69 Total Credit Limit: $0.00 Payments & Credits: $0.00 Available Credit Limit: $0.00 Purchases & Other Charges: $0.00 Cash Advance Limit: $0.00 Cash Advances. $0.00 Available Cash Advance Limit: $0.00 Fees Charged: $35.00 Interest Charged: $26. Closing Date: September04. 2011 New Balance: $4,423.46 Number of Days in Cycle: 31 Payment Information New Balance: $4,423.46 Minimum Payment Warning: If you make only the minimum Minimum Payment Due: $424.74 payment each period, you will pay more in interest and it will take Payment Due by 5PM (ET) on: October 01, 2011 longer to pay off your balance. For Examp _ Late Payment Warning: If we do not receive your minimum payment If you malino You will pay off the And you wNand by the date and time listed above, you may have to pay a late fee up to adddlonalctwAl s balance shmn on up prying $3500 using I#fs gaud this stailement in an Motel and each month about... of... you pay... Only the minimum 11 years $6,091 payment If you would like information about credit counseling services, call 1- 877 - 734 -8472. Transactions For: 4747 - 2780 - 5976 -1827 Posting Transaction Reference Date Date Number Description $ Amount F 09 -01 -11 09 -01 -11 LATE PAYMENT FEE $35.00 TOTAL FEES FOR THIS PERIOD $35.00 IN CHARGE INTEREST CHARGE- PURCHASES $26,77 TOTAL INTEREST FOR THIS PERIOD $26.77 201 TOTAL YEAR -TO -DATE Total Fees Charged in 2011 S95.00 Total Interest Charged in 2011 $21998 Please enter orange of address or telephone number below Address Ch State Zlo He Phone include area code) Work Phone (ncldde area code) To Contact Us Regarding Your Account I 7 By Telephone: Send Inquires to: Mail Payments to: Visit Our Website: In U.S. 1- 877 - 734 -8472 P.O. Box 87 P.O. Box 23025 www.statefarm.com Espanol 1- 877 - 734 -8472 Deposit, New York 13754 -0087 Columbus, Ga 31902 -3025 TDD 1- 877 - 593 -3879 Outside U.S. 1- 706 - 644 -0852 Information About Your Account Here Is How We Calculate Your Interest Charges: Your statement has a "Interest Charges" section. For each type of Making Payments Disputing Account Information Reported to Credit Bureaus: transaction in the "Interest Charges" section, we calculate an average You must pay all or part of your New Balance at any time However, We fumsh information about your account to credit bureaus. You have daily balance and multiply it by the Daily Periodic Rate for that balance you must always pay at least the Minimum Payment by the Payment the right to dispute the accuracy of the information reported by writing and by the number of days in the billing cycle. Then we add all these Due Date, Mail your payment, made in US dollars, accompanied by to us at State Farm Bank, PO Box 94, Deposit, New Ynrk 13754 0094 products together and we add any transaction fee that applies. This the upper portion of your monthly statement, in the enclosed return gives us the Interest Charge envelope or be the payment address State Farm Bank, PO Box 23025, Send All Bankruptcy Ni and Documents T, . Columbus, GA 31902 -3025. Pay by check or money order, and be sure State Farm Bank, PO Box 2327, Bloomington, II 61 702 23) 7 Here Is How We Determine Each Of Your Average Daily W allow sufficient time for your payment to reach us by the Payment Balances: Due Date. When you provide a check as payment, you authorize us Reporting Loss, Theft or Unauthorized Use of Your Card We calculate an 'average daily halance" separately for Purchases either to use information from your check to make a one -time Call us immediately, 24 tours a day, toll -free at 1- 877- SF4-VISA (excluding introductory period Balance Transfers), Cash Advances, electronic fund transfer from your account or to process the payment (1- 877 - 734 -8472) if you suspect the loss, theft or unauthorized use of introductory pence! Balance Transfers, and any special rate offers (as as a check transaction. When we use information from your check M your Card. You will rat be liable for unauthorized use that occurs after applicable). To get the "average daily balance" of your acmunt for ''hake an electronic fund transfer, the funds may be withdrawn from you notify us at the above toll -free number or at PC Box 94, Deposit, each of these types of transactions, we take the beginning balance of your account as soon as the same day we receive your payment and NY 13754 - 0094, orally or in writing, of the loss, theft, or possible your account each day, add any new Purchases (excluding introductory you will not receive your check back from your financial institution. If unauthorized use. In any case, your liability will not exceed $50 Period Balance Transfers), Cash Advances, introductory period Balance You have any questions about ACH, please call 1- 877- SF4-VISA Transfers or other special rate offers (as applicable), and subtract any (1- 877 -734- 8472). All payments (including phone remits, overnight Payments with Special Handling Instructions Payments and Credits applied to that type of transaction under the mail, etc) received by us at the payment address by 5:00 P.M. Eastern Any payment instrument you send us for less than the full balance due payment allocation method then in effect. This gives us the daily Time, Monday through Friday (our normal business days), will be that is marked "paid in full" or similar notation, or that you otherwise balance for each of these types of transactions (Credit balances are credited to your Account as of that day. All payments (including phone tender in full satisfaction of a disputed amount, mus: be sent to State treated as zero for purposes of calculating the daily balances.) Then, remits, overnight mail, etc) received by us at the address indicated Farm Bank, PO Box 2326, Bloomington, IL 6170223. We reserve all we add all of the daily balances for the billing cycle for each of these after 5:00 P.M. Eastern Time or be any non -bank business day, our rights regarding such instruments. For example, if it is determined types of transactions and cl the respective totals by the number of including bank holidays, will be credited to your account on the there is no valid dispute or if any such instrument is received at any days in the billing cycle. This gives us the "average all balance" for following bank business day. The crediting of payments received in other address, we may accept the instrument and y ou will still owe your account for each of these types of transactions. The average daily any other manner may be delayed any remaining balance. Or, we may refuse to Accept any such balances include current transactlors for Purchases (including Bala nce instrument by returning of to you, not cashing it, or destroying it. All transfers) and for Cash Advances, except that d the Previous Balance State Farm Dollars® other payments should be sent to the payment address shown on me A your account was zero or a credit balance, Purchases posted to your If eligbir, you will automatically earn State Farm Dollars In accord— front of this statement. account during the billing cycle are not included in the daily balances with the terms and conditions disclosed in your State Farm Dollars ,f Purchases for purposes of calculating me Interest Charge. Terms and Conditions brochure on purchases you make with your Service for the Hearing Impaired Ill State Farm Bank Visa Card. Once you earn 50 State Farm Dollars, you For any questions or omen communkabons about yob r Account, please [t there is a o ) next to the Daily Pereilc Rate on the front of your can apply your reward Dollars m the State Farm products of your contact our service for the hearing Impaired at 1 877 - 593 - 3879 statement, this means that the rate may vary variable APR is the choice by accessing your account online at statefarm.core or calling ✓rime Rate plus your margin as disclosed in your Credit Card 1- 877 -VISA (1- 877 - 734 -8472} Special Rule for Credit Card Purchases Agreement and Disclosure Statement and any amendments) thereto. If you have a problem with the quality of goods or servkes that you Billing Rights Summary purchased with a credit card, and have tried you good faith to f the "INTEREST CHARGED" on the front of your statement is 81.50 correct the problem with the merchant you may not have to pay the or a lesser amount as disclosed in your credit card agreement, as In Case of Errors or Questions About Your Bill remaining amount due on the goads o services You have this .. mended), then the Minimum Interest Charge has been applied to If you think your bill is wrong, or if you need more information about a protection only when the purchase price was more than $50 and the yahr Account during the billing cycle transaction on your bill, write us on a separate sheet at State Farm purchase was made in your home state or within 100 miles of your Bank, PO Box 1420, Deposit, New York 13754 -1420 as soon as mailing address. (If we own or operate the merchant, or if we mailed A transaction fee Interest Charge may be imposed on each Cash Possible. We must hear from you no later than 60 days after we sent you the advertisement for the Property or services, all Purchases are Advance. Convenience Check and Balance Transfer. If such a you the first bill o which the error or problem appeared. You can covered regardless of amount or location of purchase.) vausacien fee 6 imposed, the resulting Annual Percentage Rate for telephone us, but doing so will not preserve your rights . the billing cycle may tie greater than any of the Corresponding Annual State Farm Bank Credit Protection Program iTi centage Rates of the Daily Periodic Rates [n your letter, give us me following informafon. Your purchase of the State Farm Bank Credit Protection Program is optional. The monthly fee for the State Farm Bank Credit Protection Purchases Grace Period 1 Your name and Account number program is based on your total account statement balance each month (here will not be An interest charge on Purchases first posted on this 2 The dollar amount of the suspected error. multiplied by the unit cost which Is $0.74 per $100. Y)u have the right statement of your account if you pay the entire New Balance by the 3. Descnbe the error and explain, if you can, why you believe there to cancel the State Farm Bank Credit Protection Program at any time Payment Due Date shown on the front of this statement. You may u. is an em If you need more information, describe the item you for any reason by calling or writing State Farm Banc or the program avoid an interest charge on Purchases for the billing cycle in which are unsure abort. administrator. State Farm Bank has the right a cancel the State Farm rney are first posted M your Account If that cycle began with a Bank Credit Protection Program if. (1) your acmunt becomes more Y d previous balance of zero. We ma You o not have to a an amount In question while we are than 60 des delinquent, or (2) at any time and Fur any reason by -�- charg inter on balances from pay Y Q Ys ite the p e hous. billing cycle beginn the first- des of the new billing investigating, but you are still obligated to pay the parts of your bill giving you written notice of cancellation at least 30 days in advance. cycle T71g means -feu w ill receive a statemen the follownp month that are not in question. While we investigate your question w for interest that accrued from th closing date of the pre vious billing cannot report the amount in question as delinquent or take any action There are eligibility requirements, conditions, and exclusions that cycl until M e date o f�rour payment in - full was posted to your account, to collect the amount you question, could prevent you from receiving benefits under the State Farm Bank To m the am ount of thi intere Pay the e ntire New Balance Cred Protection Program. You many find a complete explanation of in full rd l ately _ upon rece pt_of you monthly statement. Each If you have author zed us [o pay your o [ card bill automatxally elig b I ry requirements, conditions, and exclusions in section 3 through Periodic statement must be mailed or delivered to the consumer not from your savings or checkhg account, you can stop the payment on 12 of the State Farm Bank Credit Protection Program Terms and later than 21 days before the payment due date. There is no grace any amount you think is wrong. To stop the payment, your letter must Conditions that will be included with your fulfillment materials yened for Czsh Advances and Balance Transfers reach us three business days before the automatic payment is scheduled to occur. Or, you may call us at the telephone number for When Charges are Added to Your Average Daily Balance Customer Service shown on the front of this statement at least three Purchases, Cash Advances and other debits are added to the daily business days before the automatic payment Is scheduled to occur balance as of the transaction date (in the 'Transaction Date' column on the front of the statement) At our option, we may wait until the posting date to add the transaction to the daily balance. The posting rate s file date we actually process the transaction to your acmunt. Page 3 of 4 Interest Char Calcul ation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Percentage Subject to Interest Type of Balance Rate Interest Rate Charge Purchases 7.24% (v) $4,339.95 $26.77 Cash 20.24% (v) $0.00 $0.00 (v) = Variable Rate Please enter the account number on all checks and correspondence. News /Important Messages etc... Your account is delinquent and in collections. Please send the full payment due in the enclosed envelope today. If you cannot send the payment today, please contact us at 1- 800 - 932 -5751. Account Number: 4747- 2780 -5976 -1827 �. ¢ New Balance: $4,361.69 Payment Due by 5PM (ET) on: September 01, 2011 nN 1-U Ca - - - - -- Minimum Payment Due: $256.20 Amount Past Due: $87.98 Amount Enclosed: $I STATE FARM BANK PO BOX 23025 COLUMBUS GA 31902 -3025 Make Check Payable to: STATE FARM BANK® COLLEEN SMITH Please check box for address cr telephone 753 ERFORD RD * 0005470 change. CAMP HILL PA 17011 -1126 (Complete form on the reverse side). 4747278059761827 000256207 004361693 — Detach here. Please make check payable to STATE FARM BANK and send with this remittance slip in the enclosed envelope For 24 Hour Good Neighbor Service, F s,P 1 &4 Please Call: Statement Period: 07/05/11 - 08/04/11 J sank, 1- 877- SF4- VISA(1- 877 - 734 -8472) Account Number: 4747 -2780- 5976 -1827 Additional contact Information Payment Due located on reverse side. by 5PM (ET) on: September0l, 2011 Summary of Account Activity Previous Balance. $4,324.82 Total Credit Limit: $4,300.00 Payments & Credits. $70.00 Available Credit Limit: $0.00 Purchases & Other Charges: $45.34 Cash Advance Limit: S1 720.00 Cash Advances $0.00 AvailableCash Advance Limit: $0.00 Fees Charged: $35.00 Interest Charged: $ Closing Date: August 04, 2011 New Balance: $4,361.69 Number of Days in Cycle: 31 Payment Information New Balance: $4,361.69 Minimum Payment Warning: If you make only the minimum Minimum Payment Due: $256.20 payment each period, you will pay more in interest and it will take Payment Due by 5PM (ET) on: September 01, 2011 Ion er to a off our balance. For Exam le: Late Payment Warning: If we do not receive your minimum payment N you mike no You VA pay off the And you wBPend by the date and time listed above, you may have to pay a late fee up to addftWWchwm ballililinwolhown on up pay $35.00 usMft cwd this in an es1kraw and each month about... of... You pay... I Only the minimum 11 years $6,059 payment If you would like information about credit counseling services, call 1- 877 - 734 -8472. Transactions For: 4747 - 2780 - 5976 -1827 Posting Transaction Reference Date Date Number De scription $ Amount PAYM A C 07- 05-11 07 -05 -11 2873 PAYM - ENT RECEIWED- THANK YOU $70,00CR PU RCHASES A N_ D D EBITS_ 07 -11 -11 07 -08 -11 8130 GULF OIL 92046332 LEMOYNE PA $37.18 07 -11 -11 07 09 -11 6824 SUBWAY 00051987 MECHANICSBURG PA $8 16 FEES 08 -01 -11 08 -01 -11 LATE PAYMENT FEE $35.00 TOTAL FEES FOR THIS PERIOD $35.00 INTER CHARGED Please enter mange of address or telephone number below_ Address - Gh' State _ -- Zio - Home Phone Include area code Work Phone Include area code) To Contact Us Regarding Your Account J, By Telephone: Send Inquires to: Mail Payments to: Visit Our Website: In U.S. 1 -877- 734 -8472 P.O. Box 87 P.O. Box 23025 www.statefarm.com Espanol 1- 877- 734 -8472 Deposit, New York 13754 -0087 Columbus, Ga 31902 -3025 TDD 1- 877 - 593 -3879 Outside U.S. 1- 706 - 644 -0852 Information About Your Account Here Is How We Calculate Your Interest Charges: Makin Payments Your statement has a "Interest Charges' section. For each type of g Y Disputing Account Information Reported to Credit Bureaus: transaction in the "Interest Charges" section, we calculate an average You most pay all or part of your New Balance at any time. However, We furnish infortnation about your account to credit bureaus. You have daily balance and multiply it by the Daily Periodic Rate for that balance you must always pay at least the Minimum Payment by the Payment the right to dispute the accuracy of the information reported by writing and by the number of days in the billing cycle. Then we add all these Due Date, Mail your payment, made in US dollars, accompanied by to us at State Fan Bank, PO Box 94, Deposit, New 'fork 13754 -0094 . products together and we add any transaction fee that applies. This the upper portion of your monthly statement, in the enclosed return gives i s the Interest Charge envelope or to the payment address State Farm Bank, PO Box 23025, Send All Bankruptcy Notices and Documents to Columbus, CA 31902 -3025. Pay by check or money order, and be sure State Farm Bank, PO Box 2327, Bloomington, 11 6t 70.2 23,)h Here Is How We Determine Each Of Your Average Daily to allow sufficient time for your payment to reach us by the Payment Bla ances: Due Date. When you provide a check as payment, you authorize us Reporting Loss, Theft or Unauthorized Use of Your Card We calculate an 'average daily balance" separately for Purchases either to use information from your check to make a one -time Call us immediately, 24 hours a day, toll -free at 1- 877- SF4-VISA exclutling introductory period Balance Transfers), Cash Advances, electronic fund transfer from your account or In process the payment (1- 877 -734 -8472) if you suspect the loss, theft or unauthorized use of Introductory period Balance Transfers, and any special rate offers (as as a check transaction. When we use information from your heck to your Card. You will Trot be liable for unauthorized use that occurs after applicable). To get the "average daily balance" of your account for make an electronic fund tray sfer, the funds may be withdrawn from you notify us at the above toll -free number or at PO Box 99, Deposit, each of these types of transactions, we take the beginning balance of your account as soon as the same day we receive your payment and NY 13754 -0094, orally or in writing, of the loss, deft, or possible your account each day, add any new Purchases (excluding introductory you will cwt receive your check back from your financial institution. If unauthorrzetl use In any case, your liability will trot exceed $50. period Balance Transfers), Cash Advances, introductory period Balance you have any questions about ACH, please call 1- 877 -SF4 -VISA Transfers or other special rate offers (as applicable), and Subtract any (1 -877 - 734 - 8472). All payments (including phone remits, overnight Payments with Special Handling Instructions Payments and Credits applied to that type of transaction under the nma'l, etc) received by us at the payment address by 5:00 P.M. Eastern Any payment instrument you send us for less than the full balance due payment allocation method then in effect. This gives us the daily Time Monday through Friday (our normal business days), will be that is marked "paid in full" or similar notation, or 0 t you otherwise balance for each of these types of transactions. (Credit balances are credited to your Account as of that day, All payments ( including phone tender in full satisfaction of a disputed amount, m sl be sent to State treated as zero for purposes of Qlculating the daily balances.) Then, remits, overnight mail, etc) received by us at the address indicated Farm Bank, PO Box 2326, Bloomington, IL 61702 2326 We reserve all we. add all of the daily balances for the billing cycle for each of these after 5:00 P.M. Eastern Time or on any non -bank business day, our rights regarding such instruments. For example, �f it is determined types of transactions and divide the respective totals by the number of including bank holidays, will be credited to your account on the there s no valid dispute or If any such instrument is received at any clays in the billing cycle. This gives us the "average daily balance" for following bank business day. The creating of payments received in other address, we may accept the instrument and you will still owe your account for each of these types of transactions. The average daily any other manner may be dl any remaining balance. Or, we may refuse to accept any such balances include current transactions for Purchases (including Balance instrument by returning it to you, not cashing It, or destroying I. All Transfers) and for Cash Advances, except that H the Previous Balance State Farm Dollars other payments should be sent to the payment addmss shown on the of your account was zero or a credit balance. Purchases posted to your If eligible, you will automatically earn State Farm Dollars in accordance front of this statenent . count during the billing cycle are not included in the daily balances with the terms and conditions disclosed In your State Farts Dollars a Purchases for purposes of calculating the Interest Charge. Terms and Conditions brochure on Purchases you make with your Service for the Hearing Impaired (TDDfTYY) State Farm Bank Visa Card. Once you earn 50 State Farm Dollars, you For any questions or other communications about your Account, please if there s e ,V. next M the Dally Periodic Rate on the front of your can apply your reward Dollars to the State Farm products of your contact our service for the hearing impaired at 1. 877 - 5933879. statement, this means that the rate may vary. The variable Al is the choice by accessing your account online at statefarm com or calling Pr,me Rate plus your margin as disclosed in your Credit Card 1-877- SP4-vISA T -877- 734 -8472) Special Rule for Credit Card Purchases Agreement and Disclosure Statement and any amendments) thereto. If you have a problem with the quality of goods or ervices that you Billing Rights Summary purchased with a credit card, and you have tried ir r. good faith to it the 'INTEREST CHARGED" on the front of your statement is $I. SO correct the problem with the merchant, you may not have to pay the Io a lesser amount as disclosed in your credit card agreement, as In Case of Errors or Questions About Your Bill remaining amount due on the goods or services. You have this amended), then the Minimum Interest Charge has been applied to If you think your bill 6 wrong, or if you need more information about a protection only when the purchase price was more than $SO and the your Accounr during the billing cycle transaction on your bill, write us on a separate sheet at State Farm purchase was made in your home state or within 100 miles of your Bank, PO Box 1420, Deposit, New York 13754 -1420 as soon as mailing address. (If we own or operate the merchant, cr if we mailed A transaction fee Interest Charge may be imposed on each Cash possible. We must hear from you no later than 60 days after we sent you the advertisement for the property o services, all Purchases are Advance. Convenience Check and Balance Transfer. If such a you the first bill on which the error or problem appeared. You can covered regardless of amount or location of purchase. transaction fee is Imposed, the resulting Annual Percentage Rate for telephone us, but doing so will not preserve your rights . the billing cycle may be greater than any of the Corresponding Annual State Farm Bank Credit Protection Program Percentage Rates of the Daily Periodic Rates. In your letter, give us the following information. Your purchase of the State Farm Bank Credit Prote tion Program is op0cnal. The monthly fee for the State Farts Bank - mdit Protection Purchases Grace Period 1, Your name and Account numtwr program is based on your total account statement balance each month there will not be an interest charge on Purchases first posted on this 2. The dollar amount of the suspected error multiplied by the unt cost which is $0.74 per 5100. You have the right statement of your account if you pay the entire New Balance by the 3. Describe the eror and explain, if you con, why you believe there to cancel the Stare Farm Bank Credit Protection Program at any time Payment Due Date shown on the front of this statement You may s an error. If you need more information, describe the item you for any reason by calling or writing State Farm Bank or the program avoid an interest charge on Purchases for the billing cycle in which are unsure about, administrator. State Farm Bank has the right to cancel the State Farm trey are Most posted to your Account if that cycle began with a Bank Credit Protection Program if (1) your account becomes more Y d previous balance of zero. We - mav .charg interes o balanc from You o not have to pay any amount In question while we are than 60 days delinquent; or (2) at any time and for any reason by the previous billing . cyde ing the-first day of _01e n billing investigating, but you are stiN obligated to pay the parts of your bill giving you written notice of cancellation at least 30 days ,n advance. cycle This means-y-W-_will . r eceive a statement the following month that are not In question. While we investigate your question, we for Inte that a ccrued from the closing . date of the or ev_i ous billing cannot report the amount in question as delinquent or take any action There are eligibility requirements, conditions, and exclusions that cycle until the date of Wur gayment in -full was oosle to Your account to collect the amount you question. could kf prevent you from receiving benefits under the State Farm Bank To mural the amid nt_of this n l�t 4W the ent' a New B alance Credit Protection Program. You many find a complete explanation of in full med_ately upon re ceipt of your r b -Ahly statement. Each If you have authorized us to pay your credit cant bill automatically eligibility requ cements, conditions, and exclusions in scv tion 3 through periodic statement must be mailed or delivered to the consumer not from Your savings or checking account, you can stop the payment on 12 of the State Farm Bank Credit Protection Program Terms and later than 21 days before the payment due date. There is no grace any amount you think is wrong. To stop the payment, your letter must Conditions that will be included with your fulfillment match^ period for Ba Cash Advances and lance Transfers. reach us three business days before the automatic payment s scheduled to occur. Or, you may call us at the telephone number for When Charges are Added to Your Average Daily Balance Customer Service shown on the front of this statement at least three Purchases, Cash Advances and other debits are added to the daily business days before the automatic payment is scheduled m occur . balance as of the tansactrod date (In the 'Transaction Date' column on the front of the statement) At our option, we may wait until the posting date to add the transaction to the daily balance. The posting date is the date we actually process the transaction to your account. Page 3 of 4 Transactions For: 4747 - 2780 - 5976 -1827 Posting Transaction Reference Date Date Number + Des cri tion $ Amount INTEREST CHARGE- PURCHASES $26.53 TOTAL INTEREST FOR THIS PERIOD $26.53 2011 TOT AL YEA -TO -D Total Fees Charged in 2011 S60.00 Total Interest Charged in 2011 $19321 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Percentage Subject to Interest Type of Balance Rate Interest Rate Charge Purchases 7.24% (v) $4,300.02 $26.53 Cash 20.24% (v) $0.00 $0.00 (v) = Variable Rate Please enter the account number on all checks and correspondence. News /important Messages etc... We did not receive the minimum payment due on your State Farm ® credit card account. Have you considered enrolling in our automatic payment deduction plan? Send your minimum payment today and call 1- 877 -SF4 -VISA (734 -8472) for details on setting up an automatic payment deduction plan. Account Number: 4747 - 2780 -5976-1827 New Balance: $4,324.82 Payment Due by 5PM (ET) on: August 01, 2011 INSU PANC Minimum Payment Due: $182.80 Amount Past Due: $62 Amount Enclosed: $', STATE FARM BANK PO BOX 23025 COLUMBUS GA 31902 -3025 Make Check Payable to STATE FARM BANK® COLLEEN SMITH Please check box for address or telephone 753 ERFORD RD * 0005531 change. CAMP HILL PA 17011 -1126 (Complete form on the reverse side) 4747278059761827 000182803 004324822 A Detach here Please make check payable to STATE FARM BANK and send with this remittance slip in the enclosed envelope _ For 24 Hour Good Neighbor Service, R. q u 1 or a Please Call: Statement Period: 06/05/11 - 07/04/11 L 1 - 877- SF4- VISA(1- 877 - 734 -8472) Account Number: 4747 -2780- 5976 -1827 Bank Additional contact Information Payment Due located on reverse side. by 5PM (ET) on: .August 01, 2011 Summary of Account Activity Previous Balance: $4,017.92 Total Credit Limit: $4,300.00 Payments & Credits: $0.00 Available Credit Limit: $0.00 Purchases & Other Charges: $256.70 Cash Advance Limit: 51.720.00 Cash Advances $0.00 AvailableCash Advance Limit: $0.00 Fees Charged: $25.00 Interest Charged: $25.20 Closing Date: July 04, 2011 New Balance $4,324.82 Number of Days in Cycle: 30 Payment Information New Balance: $4,324.82 Minimum Payment Warning: If you make only the minimum Minimum Payment Due: $182.80 payment each period, you will pay more in interest and it will take Payment Due by 5PM (ET) on: August 01, 2011 longer to pay off your balance. For Exam le: Late Payment Warning: If we do not receive your minimum payment If you make no You wil pay off the And you win by the date and time listed above, you may have to pay a late fee up to additiorialctlarpls batart0esttotwn on p $35.00 using Oft cwd this in an esth►�atedtotal and each month about... of... You pay... Only the minimum 11 years $6,022 payment If you would like information about credit counseling services, call 1- 877 - 734 -8472. Transactions For: 4747 - 2780 -5976 -1827 Posting Transaction Reference Date Date Number Desc tp ion $ Amount T PURCHASES AND D 06 -06 -11 06 -04 -11 2485 GULF OIL 92046332 LEMOYNE PA 525.00 06 -09 -11 06 -07 -11 0443 TEXAS ROADHOUSE #2286 CAMP HILL PA $53.49 06 -10 -11 06 -09 -11 6441 GIANT 6269 CAMP HILL PA $20.00 06 -10 -11 06 -08 -11 1665 WEIS MARKETS S CAMP HILL PA $98.71 06 -17 -11 06 -16 -11 5453 RITE AID STORE 1074 LEMOYNE PA $10.67 06 -20 -11 06 -16 -11 0238 T.J. ROCKWELLS AMERICA MECHANICSBURG PA $48.83 FE ES 07 -01 -11 07 -01 -11 LATE PAYMENT FEE $25.00 TOTAL FEES FOR THIS PERIOD $25.00 INT CHARGED Rea.se enter r, or address or telephone number below. Add—s State Zip H one dude one Ph I ,elude area code) Work Phone (include area code) To Contact Us Regarding Your A ccount J, ? By Telephone: Send Inquires to: Mail Payments to: Visit Our Website: In U.S. 1- 877. 734 -8472 P.O. Box 87 P.O. Box 23025 www.statefarm.com E spanol 1- 877 - 734 -8472 Deposit, New York 13754 -0087 Columbus, Ga 31902 -3025 TDD 1- 877 - 593 -3879 Outside U.S. 1- 706 - 644 -0852 Information About Your Account Here Is How We Calculate Your Interest Charges: Your statement has a "Interest Charges" section. For each type of Making Payments Disputing Account Information Reported to Credit Bureaus: arges" transaction in the "Interest Ch section, we calculate an average You most pay all or part of your New Balance at any time However, We fumish information about your account to credit bureaus. You have daily balance and multiply it by the Daily Periodic Rate for that balance you must always pay at least the Minimum Payment by the Payment the right to dispute the accuracy of the information reported by writing and by the number of days in the billing cycle. Then we add all these Due Date. Mail your payment, made in US dollars, accompanied by to us at State Farm Bank, PO Box 94, Deposit, New York 1.3754 -0094. Produces together and we add any transaction fee that applies. This the upper portion of your monthly statement, in the enclosed return gives us the Interest Charge envelope or to the payment address State Farm Bank, PO Box 23025, Send All Bankruptcy Notices and Documents TO Columbus, GA 31902 -3025. Pay by check or money order, and be sure State Farm Bank, PO Box 2377, Bloomington, II 61 702 -1 327 Here Is How We Determine Each Of Your Average Daily o allow sufficient time for your payment to reach us by the Payment Balances: Due Date, When you provide a check as payment, you authorize us Reporting Loss, Theft or Unauthorized Use of Your Card We calculate an "average daily balance" separately for Purchases either to use information from your check to make a one -time Call us immediately, 24 hours a day, toll -free at 1 -877 SF4 -VISA (excluding introductory period Balance Transfers), Cash Advances, electronic fund transfer from your account or to process the payment (1-877 734-8472) if you suspect the loss, theft or unauthorized use of introductory period Balance Transfers, and any special rate offers (as as a check transaction. When we use information from your check to your Card. You will not be liable for unauthorized use curs urs after applicable). To get the "average daily balance" of your account for make an electronic (unit transfer, the funds may be withdrawn from you notify us at the above toll -free number or at PO Box 94, Deposit, each of these types of transactions, we take the beginning balance of your account as soon as the same day we receive your payment and NY 13754 -0094, orally or in writing, of the loss, weft, or possible your account each day, add any new Purchases (excluding introductory you will not receive your check back from your financial institution. If ummmeliued use In any case, your liability will not exceed 550. period Balance Transfers), Cash Advances, introductory period Balance you have any questions about ACH, please Call 1- 877 -SF4 -VISA Transfers or other special rate offers (as applicable), and subtract any (1877-734 8472). All payments (including phone remits, overnight Payments with Special Handling Instructions Payments and Credits applied to that type of transaction under the mail, etc) received by us at the payment address by 5:00 P.M. Eastern Any payment ostroment you send us for less than the full balance due Payment allocation method then in effect. This gives us the daily Time, Monday through Friday (our normal business days), will be that is marked "paid in full" or similar notation, or that you otherwise balance for each of these types of transactions. (Credit balances are credited to your Account as of that day. All payments (including phone tender in full satisfaction of a disputed amount, must be sent to State treated as zero for purposes of calculating the daily balances.) Then remits, overnight mail, etc) received by us at the address indicated Farm Bank, PO Box 2326, Bloomington, IL 61702 2 326. We reserve all we add all of the daily balances for the billing cycle for each of these after 5:00 P.M. Eastern Time or on any non -bank business day, our rights regarding such instruments. For example, if it is determined types of transactions and divide the respective totals by the number of including bank holidays, will be Credited to your account on the there s no valid dispute or if any such instrument is received at any days in the billing cycle. this gives us the "average daily balance" for following bank business day. The cradling Of payments received in other address, we may accept the instrument and you will still we your account for each of these types of transactions. The average daily any other manner may be delayed. any remaining balance. Or, we may refuse to accept any such balances include current transactions for Purchases (including Balance instrument by returning it to you, not Cashing it, or destroying it All Transfers ) and for Cash Advances, except that if the Previous Balance State Farm Dollars® other payments should! be sent to the payment address shown on the of your account was zero or a credit balance. Purchases posted to your If eligible, you will automatically earn State Farm Dollars in accordance front of this statement account during the billing cycle are not included in the daily balances with the terms and conditions disclosed in your State Farm Dollars of Purchases for oumoses of C 1,Wating the Interest Charge Terms and Conditions brochure on purchases you make with your Service for the Hearing Impaired (TDDfl State Farm Bank Visa Card. Once you earn 50 State Farm Dollars, you For any questions or other communications about your Account, please If there is a ;V) next to the Daily Periodic Rate on the front of your Can apply your reward Dollars to the State Farm products of your contact our service for the hearing impaired at 1- 877 -59' 3879 . statement, this means that the rate may vary variable APR is the choice by accessing your account online at statefarmcom or calling Prime Rate plus your margin as disclosed in your Credit Card 1- 877 -SF4 -VISA (1 -877- 734 -8472)L Special Rule for Credit Card Purchases Agreement and Disclosure Statement and any arrentlment(s) thereto. If you have a problem with the quality of goods or services that you Billing Rights Summary purchased with a credit card, and you have tried is good faith to If the "INTEREST CHARGED" on the front of your statement is $1.50 correct the problem with the merchant, you may not have to pay the 'or a lesser amount as disclosed in your credit card agreement, as In Case of Errors or Questions About Your Bill remaining amount due m the goods or services. You have this amended), then the Minimum Interest Charge has been applied to If you think your bill is wrong, or if you need more information about a protection only when the purchase price was more than $50 and the your Account during the billing ryrte transaction on your bill, write us on a separate sheet at State Farm purchase was made in your home state or within 100 miles of your Bank, PO Box 1420, Deposit, New York 13754 -1420 as soon as mailing address. (If we own or operate the merchant, or If we mailed A transaction fee Interest Charge may ore Imposed on each Cash possible. We must hear from you no later than 60 days after we sent you the advertisement for the property or services, all Purchases are Advance, Convenience Check and Balance Transfer. If such a You the first bill on which the eror or problem appeared. You Can covered regardless of amount or location of pumhase ) transaction fee Is imposed, the resulting Annual Percentage Rate for tele phone us, but doing se will not preserve your rights. the billing cycle may be greater than any of the Corresponding Annual State Farm Bank Credit Protection Program Percentage Rates of the Daily Periodic Rates In your letter, give us the following inormaton'. Your pu¢hase of the State Farm Bank Credit Protection Program is optional. The monthly fee for the State Farm Bank Credit Protection Purchases Grace Period 1. Your name and Account number. program is based on your total account statement balance each month There will not be an Interest charge on Purchases first posted on this 2. The dollar amount of the suspected error. multiplied by the unit cost which is $0.74 per $100. You have the right statement of your account if you pay the entire New Balance Icy the 3 Describe the error and explain, if you can, why you believe there to cancel the State Fan Bank Credit Protection Program at any time Payment Due Date shown on the front of this statement You may is an error. If you need more information, describe the item you for any reason by calling or writing State Farm Bank x the program void an Interest charge on Purchases or the billing cycle in which are unsure about. administrator State Farm Bank has the right to cancel fir, ;late Farm they are first posted to your Account if that cycle began with a Bank Credit Protection Program if (1) your account becomes more previous balance of zero. We may charge interest. o bal ances from You do not have to pay any amount in question while we are than 60 days delinquent; or (2) at any time and for any reason by thee- prev bilM� cycle in nln�[ thefirst pay of _Ibl new ttkia investigating, but you are still obligated to pay the parts of your bill giving you written notice of cancellation at least 30 days n advance. cycle Ths means t wi ll rece ive a state the olo month that are not in question. While we investigate your question, we for - i ntere st that ac crued fr th e closing dgte_of [ ore — to cannot report the amount in question as delinquent or take any action There are eligibility requirements condtons arid rxclusons that cycle riot the date of your Pay me I was p to our ac to collect the amount you question Cou io mlmmuze the amount of this interest _L unt. prevent you from receiving benefits under the State Farm Bank pa the e ntire New Balance Credit Protection Program You many find a Complete explanation of In -full immedi upon --I I of -Your mo nthly st Each If you have authorized us to pay your credit Card bill autonfi lcally eligibility requirements, conditions, and exclusions n section 3 through peri°dlc statement must be. mailed or delivered to the consumer not to. your savings or checking account, you can stop the payment on l2 of the State Farm Bank Credit Protection Program Terms and later than 21 days before the payment due date. There is no grace any amount you think is wrong. To stop the payment, your letter most Conditions that will be included with your fulfillment materials curial for (ash Advances and Balance Transfers read, us three business days before the automatic Payment is scheduled to occur. Or, you may Call us at the telephone number for When Charges are Added to Your Average Daily Balance Customer Service shown on the front of this statement at least three urchases, Cash Advances and other debits are added to the daily business days before the automatic payment is scheduled to occur . ,alance as of the transaction date yin the "Transaction Date" column - the front of the statement) At our option, we may wait until the Posting date to add the transaction to the daily balance The posting cat= 11 th, date w actually process the transaction to your account. Page 3of4 Transactions For: 4747 - 2780 - 5976 -1827 Posting Transaction Reference Date Date Number I De lio $ A_ .mount INTEREST CHARGE- PURCHASES $25.20 TOTAL INTEREST FOR THIS PERIOD $25.20 2011 T YEAR-TO-DATE Total Fees Charged in 2011 $25.00 Total Interest Charged in 2011 $16668 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Percentage Subject to Interest Type of Balance Rate Interest Rate Charge Purchases 7.24% (v) $4,221.35 $25.20 Cash 20.24% (v) $0.00 $0.00 (v) = Variable Rate Please enter the account number on all checks and correspondence. News /Important Messages etc... We did not receive the minimum payment due on your State Farm ® credit card account. Have you considered enrolling in our automatic payment deduction plan? Send your minimum payment today and call 1- 877 -SF4 -VISA (734 -8472) for details on setting up an automatic payment deduction plan. Account Number 4747- 2780 -5976 -1827 s New Balance: $4,017.92 Minimum Payment Due: $64.78 Payment Due by 5:00 P.M. (ET) on: July 01, 2011 Amount Enclosed: $ Make Check Payableto: STATE FARM BANKS STATE FARM BANK Lj Enroll me in Credit Protection PO BOX 23025 - - - -- COLUMBUS GA 31902 -3025 (See back for details) (initial) !� Please check box for address or telephone change. COLLEEN SMITH (Complete form on the reverse side) 753 ERFORD RD * r 0005579 CAMP HILL PA 17011 -1126 4747278059761827 000062782 004017922 Detach here Please make check payable to STATE FARM BANK and send with this remittance slip in the enclosed envelope For 24 Hour Good Neighbor Service, v ,i ' a1' 4 Liam Please Call: Statement Period: 05/05111 - 06/04/11 1- 877SF4- VISA(1 -877- 734 -8472) Account Number: 4747 - 2780 -5976 -1827 Additional contact Information Payment Due located on reverse side. by 5:00 P.M. (ET) on July 01, 2011 Summary of Account Activity Previous Balance: $3,056.32 Total Credit Limit: $4,300.00 Payments & Credits $50.00 Available Credit Limit: $282,08 Purchases & Other Charges: $988.82 Cash Advance Limit: $1,720.00 Cash Advancesi $0.00 AvailableCash Advance Limit: $282 Fees Charged: $0.00 Interest Charged: $ 22.7 8 Closing Date: June 04. 2011 New Balance $4,017.92 Number of Days in Cycle: 31 Payment Information New Balance: $4,017.92 Minimum Payment Warning: If you make only the minimum Minimum Payment Due: $62.78 payment each period, you will pay more in interest and it will take Payment Due by 5:00 P.M. (ET) on: July 01, 2011 longer to pay off your balance. For Exam le: Late Payment Warning: If we do not receive your minimum payment H you make no You Will pay off the And you wiq and by the date and time listed above, you may have to pay a late fee up to addilli"charges batarwe shmn on I $35.00 and your APRs may be increased up to the Penalty APR of using tfs card this stalbtnent m an � 2424% and each month about... of,.. You pay... Only the minimum 11 years $5,583 p $125 3 years 54,500 ' (Savings = $1,083) If you would like information about credit counseling services, call 1- 877 - 734 -8472. Transactions For: 4747 - 2780- 5976 -1827 Posting Transaction Reference i Date Date Number i De scr p tio n $ Amount P AYMENTS A CREDI 05 -27 -11 05-27 -11 0717 PAYMENT RECEIVED -- THANK YOU $50.00 CR P AND DE BIT_ S 05 -05 -11 05 -03 -11 7190 SUPER SHOE #7 MECHANICSBURG PA $114.95 05 -09 -11 05 -06 -11 6290 GIANT 6269 CAMP HILL PA $99 11 05 -09 -11 05 -06 -11 6332 GIANT 6269 CAMP HILL PA $59.65 05 -11 -11 05 -10 -11 1055 KARNS PRIME & FOOD LEMOYNE PA $22 85 05 -16 -11 05 -13 -11 7764 GULF OIL 92046332 LEMOYNE PA $30.00 05 -16 -11 05 -14 -11 9823 TARGET 00022020 MECHANICSBURG PA $327 05 -19 -11 05 -17 -11 7881 CAMP HILL ANIMAL HOSPI CAMP HILL PA $132.18 05 -26 -11 05 -25 -11 8021 RITE AID STORE #11017 CAMP HILL PA $61.63 06 -01 -11 05 -31 -11 9801 RITE AID STORE 1074 LEMOYNE PA $25.73 06 -02 -11 06 -01 -11 0925 GLENN MILLERS BEER & SOD LEMOYNE PA $114.75 IN CHA Please enter mange of address or telephone number below 4ddress Glty State Z Home Phone {1aude area code) Work Phone ( area code) To Contact Us Regarding Your Account By Telephone: Send Inquires to: Mail Payments to: Visit Our Website: In U.S. 1- 877 - 734 -8472 P.O. Box 87 P.O. Box 23025 www.statefarm.com Espanol 1- 877 - 734 -8472 Deposit, New York 13754 -0087 Columbus, Ga 31902 -3025 TDD 1- 877- 593 -3879 Outside U.S. 1- 706 - 644 -0852 Information About Your Account Here Is How We Calculate Your Interest Charges. Your statement has a "Interest Charges" section. For each type of Making Payments Disputing Account Information Reported to Credit Bureaus: transaction in the "Interest Charges" section, we calculate an average You must pay all or part of your New Balance at any time However, We furnish information about your account to credit bureaus. You have daily balance and multiply it by the Daily Periodic Rate for that balance You must always pay at least the Minimum Payment by the Payment the right to dispute the accuracy of the information reported by writing and by the number of days in the billing cycle. Then we add all these Due Date. Mail your payment, made in US dollars, accompanied by to us at: State Farm Bank, PO Box 94, Deposit New York 1 1754 -0094. Products together and we add any transaction fee that applies. This the upper portion of your monthly statement, in the enclosed return gives us the Interest Charge envelope or to the payment address State Farm Bank, PO Box 23025, Send All Bankruptcy Notices and Documents To Columbus, GA 31902-3025, Pay by check or money order, and be sure State Farm Bank, PO Box 2327, Bloomington, 0 61702 327 Here Is How We Determine Each Of Your Average Daily to allow sufficient time for your payment to read, us by the Payment Balances: Due Date. When you provide a check as payment, you authorize us Reporting Loss, Theft or Unauthorized Use of Your Card We calculate an 'average daily Bala i separately for Purchases either to use information from your check to make a one -time Call us immediately, 24 hours a day, toll-free at 1 e-time VISA excluding introductory period Balance Transfers), Cash Advances, electronic fund transfer from your amount or to process the payment (1- 877 -734 -8472) if you suspect the loss, melt or unauthorized use of introductory period Balance Transfers, and any special rate offers as as a check transaction. When we use information from your check to your Card. You will net be liable for unauthorized use that occurs after applicable). To get the "average daily balance" of your account for make an electronic fund transfer, the funds may be withdrawn from you notify us at the above toll - free number or at PO Box 94, Deposit, each of these types of transactions, we take the beginning balance of your account as soon as the same day we receive your payment and NY 13754 - 0094, Nally or in writing, of the loss, theft, or possible your account each day, add any new Purchases (excluding introductory you will not receive your check back from your financial institution. If unauthorized use. In any case, your liability will rot exceed S50. period Balance Transfers), Cash Advances, introductory period Balance you have any questions about ACH, please call 1- 877 -SF4 -VISA Transfers or other special rate offers (as applicable), and subtract any (1 -877 - 734 - 8472). All payments (including phone remits, overnight Payments with Special Handling Instructions Payments and Credits applied to that type of transaction under the mall, etc) received by us at the payment address by 5:00 P.M. Eastern Any payment instrument you send us for less than the full balance due payment allocation method then in effect This gives us the dairy Time Monday through Friday (our normal business days), will be that is marked "paid in full" or similar notation, or that you otherwise balance for each of these types of transactions. (Credit balances are credited to your Account as of that day. All payments (including phone tender in full satisfaction of a disputed amount, must be sent to State treated as zero for purposes of calculating the daily balances.) Then, snits, overnight mail, etc) received by us at the address indicated Farm Bank, PO Box 2326, Bloomington, It 61702 -2326. We. reserve all we add all of the daily balances for the billing cycle for each of these after 5:00 P.M. Eastern Time or on any non -bank business day, our rights regarding such instruments. For example, if it is determined types of transactions and divide the respective total, by the number of including bank holidays, will be credited to your account on the there s no valid dispute or if any such instrument is received at an days io the billing cycle. This gives us the "average daily balance" for following bank business day. The cred'Ring of payments received in other address, we may accept the instrumen' and you will still owe your account for each of these types of transactions. The average daily any other manner may be delayed any remaining balance. Or, we may refuse to accept any such balances include current transactions for Purchases (including Balance St instrument by returning it to you, not cashing it, or destroying it. All Transfers) and for Cash Advance p s, except that if the Previous Balance rata Farm Dollars® other payments payment address shown on the of your account was zero or a credit balance. Purchases posted [o your If eligble, you s will automatically earn State Farm Dollars in accordance front of this statement be sent to the ss account during the billing cycle are not included in the daily balances with the termand conditions disclosed In your State Farm Dollars of Purchases for purposes of calculating the Interest Charge Terms and Conditions brochure on purchases you make with your Service for the Hearing Impaired (TDDITYY) State Farm Bank Visa Card. Once you earn 50 State Farm Dollars, you For any questions or other communications about your Account, please If there is a (V) next to the Daily Periodic Rate on the front of your can apply your reward Dollars to the State Farm products of your contact our service for the hearing impaired at 1- 877 - 593.3874 statement, this means that the rate may vary. The variable APR is the choice by accessing your account online at statefarm com or calking Prime Rate plus your margin as disclosed in your Credit Card 1- 877SF4 -VISA (h -877- 734 -84721 Special Rule for Credit Card Purchases Agreement and Disclosure Statement and any amentlment(s) thereto. If you have a problem with the quality of goods or services that you Billing Rights Summary purchased with a credit card, and you have tried in good faith to It the "INTEREST CHARGED" on the front of your statement is $1.50 come ct the problem with the merchant, you may not have to pay the (a a lesser amount as disclosed in your credit card agreement, as In Case of Errors or Questions About Your Bill remaining amount due on the good, or services. You have this amended), then the Minimum Interest Charge has been applied to If you think your bill s wrong, or if you need more information about a protection only when the purchase price was more than $50 and the Your Account during the billing c transaction on your bill, write us on a separate sheet at State Farm purchase was made in your home state or within 100 miles of your Bank, PO Box 1420, Deposit, New York 13754 -1420 as soon as mailing address, (If we own or operate the merchant, or if we mailed A transaction fee Interest Charge may be Imposed on each Cash Possible. We must hear from you no later than 60 days after we sent you the advertisement for the property or services, all Purchases are Advance, Convenience Check and Balance Transfer. If such a you the first bill on which the error or problem appeared You can covered regardless of amount or location of purchase. ; transaction fee is imposed, the resulting Annual Percentage Rate for telephone us, but doing so will not preserve your rights . the billing cycle may be greater than any of the Corresponding Annual State Farm Bank Credit Protection Program Percentage Rates of the Daily Periodic Rates. In your letter, give us the following information Your purchase of the State Fan Bank Credit Protection Program is optional. The monthly fee for the State Farm Bank Credit Protection Purchases Grace Period 1. Your name and Account number program is based on your total account statement balance each month There will rot be an Interest charge on Purchases first posted on this 2. The dollar amount of the suspected error multiplied by the all cost which is $0.74 per $100. You have the right statement of your account I you pay the entire New Balance by the 3. Describe the error and explain, if you can, why you believe there to cancel the State Farm Bank Credit Protection Program at any time Payment Due Date shown on the front of this statement. You may is an error. If you need more information, describe the item you for any reason by calling or writing State Farm Bank or the program avoid an interest charge on Purchases for the billing cycle in which are unsure about. administrator. State Farm Bank has the right to cancer the State Farm they are first posted to your Account if that cycle began with a Bank Credit Protection Program f1 previous balance of zero We may char interest on balances rom You do not have to pay any amount in question while we are than 60 days delinquent, ( )Your account becomes more ig y g pay the Y qu or (2) at any time and for any reason e by the f On- billing cede innin .the first the new billin irnest a[i but you are still obligated [o parts f loll � o your owing you written notice of cancellation at leas[ 30 tlay, n advance. cycle This means you, w8 re cei ve a sta the follo month that are not in question. While we investigate your question, w for int erest _that aaru om tie closing- of pf evious ,b illino cannot report the amount in question as delinquent or take any action There are eligibility requirements, conditions, and exclusions that cyc unti the date of year paymen - -full .,w post to our account to collect the amount you question. could prevent y you from m receiving f under the State Farm Bank m ze To m n the amount of this - interest, Yo ay_th en[ re New Balance Credit Protection ngam. You many any fend a complete explanation Of m imm -full on mceot o Y ou month statement. Each If you have authorized pay your you the payment 12 credit card bill oflit State conditions, and exclusions in section 3 through periodic statement must tie mailed or delevered to the consumer not from your sayings or checking account, you can stop the payment on t2 of the Slate Fa Farm Bank Credit Protection Rogrim Terms and later than 21 days before the payment due dare. There is no grace any amount you think is wrong. To stop the payment, your letter must Conditions that will be induced with your fulfillment matenal, crud for Cash Advances and Balance Transfers read, us three business days before the automatic payment is scheduled to =or. Or, you may call us at the telephone number for When Charges are Added to Your Average Daily Balance Customer Service shown on the front of this statement at least three Purchases, Cash Advances and other debits are added to the daily business days before the automatic payment is scheduled to occur. [dvance as of the transaction date (In the 'Transaction Date' column on on the front of the statement) At our option, we may waft until the date m add the transaction to the daily balance. The posting date Is the. date w, . actually process the transaction to your account. Page 3 of 4 Transactions For: 4747 - 2780 - 5976 -1827 Posting Transaction Reference Date Date Number Des cn tion $ Amount INTEREST CHARGE- PURCHASES $22.78 TOTAL INTEREST FOR THIS PERIOD $22.78 2 011 -T OTAL YEAR -TO -DATE Total Fees Charged in 2011 $0.00 Total Interest Charged in 2011 $141 48 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Percentage Subject to Interest Type of Balance Rate Interest Rate Charge Purchases 7.24% M $3,692.58 $22.78 Cash 20.24% (v) $0.00 $0.00 M = Variable Rate Please enter the account number on all checks and correspondence. i` r-,.E F4�r„ Account Number: 4747 - 2780 -5976 -1827 nic ° New Balance: $3,056.32 j Minimum Payment Due: $49.71 — — Payment Due by 5:00 P.M. (ET) on: June 01, 2011 Amount Enclosed : $ STATE FARM BANK Make Check Payable to: STATE FARM BANKS PO BOX 23025 Enroll me in Credit Protection - -__ COLUMBUS GA 31902 -3025 (See back for details) (in4iah Please check box for address or telephone change. COLLEEN SMITH (Complete form on the reverse side). 753 ERFORD RD * 0005712 CAMP HILL PA 17011 -1126 4747278059761827 000049717 003056329 Detach here Please make check payable to STATE FARM BANK and send with this remittance slip in the enclosed envelope. For 24 Hour Good Neighbor Service, °�P 1 °r4 ° Please Call: Statement Period: 04/05/11 - 05/04/11 1-877-SF4-VISA (1 -877-734-8472) Account Number: 4747 -2780- 5976 -1827 Additional contact Information Payment Due located on reverse side. by 5:00 P.M. (ET) on: Jure 01. 2011 Summary of Account Activity Previous Balance: $4,270.20 Total Credit Limit: $4,300.00 Payments &Credits: $1,500.00 Available Credit Limit: $1,243.68 Purchases & Other Charges: $266.41 Cash Advance Limit: $1,720.00 Cash Advances: $0.00 AvailableCash Advance Limit: $1,243.68 Fees Charged: $0.00 Interest Charged: $1 9.71 Closing Date: May 04, 2011 New Balance $3,056.32 Number of Days in Cycle: 30 Payment Information New Balance: $3,056.32 Minimum Payment Warning: If you make only the minimum Minimum Payment Due: $49.71 payment each period, you will pay more in interest and it will take Payment Due by 5:00 P.M. (ET) on: June 01, 2011 Ion erto a off our balance. For Exam le: Late Payment Warning: If we do not receive your minimum payment If you make no YOU WE pey Off the And you wHj end by the date and time listed above, you may have to pay a late fee up to addiftWc argm behirlatom on up peyglp $35.00 and your APRs may be increased up to the Penalty APR of using tfs card this stalerner t In an estineWtiptal 24.24 0/ and each, month abWt... — Of - YOU pay... Only the minimum 8 years $4,039 payment L. $95 3 years $3,420 (Savings = $619) If you would like information about credit counseling services, call 1- 877 - 734 -8472. Transactions For: 4747- 2780 - 5976 -1827 Posting Transaction Reference Date Date Number ! Descrip $Amount i PAY MENTS AND CRE 04 -15 -11 04 -15 -11 2876 PAYMENT RECEIVED -- THANK YOU $1.500.00 CR PUR CHASES A ND DEBITS 05 -02 -11 04 -29 -11 9706 YORK AUTO GROUP SE YORK PA $138.90 05 -03 -11 05 -02 -11 5112 GIANT 6253 NEW CUMBERLAN PA $86.10 05 -04 -11 05 -03 -11 8052 WAL- MART #1886 MECHANICSBUR PA $41.41 IN TERES T CHARGE INTEREST CHARGE- PURCHASES $19.71 TOTAL INTEREST FOR THIS PERIOD $19.71 2011 TOTAL YE -TO -DATE Total Fees Charged in 2011 $0.00 Total Interest Charged in 2011 $118.70 Please ente change of address or telephone number below. Address - -. - state Tin =-tome Ph ne (include area coder Work Phone Include area code) To Contact Us Regarding Your Accou By Telephone: Send Inquires to: Mail Payments to: Visit Our Website: In U.S. 1- 877 - 734 -8472 P.O. Box 87 P.O. Box 23025 www.statefarm.com Espanol 1- 877- 734 -8472 Deposit, New York 13754 -0087 Columbus, Ga 31902 -3025 TDD 1- 877- 593 -3879 Outside U.S. 1- 706 - 644 -0852 Information About Your Account Here Is How We Calculate Your Interest Charges: your statement has a "Interest Charges" section. For each type of Making Payments Disputing Account Information Reported to Credit Bureaus: transaction in the "Interest Charges" section, we calculate an average You most pay all or part of your New Balance at any time However, We fumsh information about your account to credit bureaus. You have daily balance and multiply it by the Daily Periodic Rate for that balance you must always pay at least the Minimum Payment by the Payment the right to dispute the accuracy of the information reported by writing and by the number of days in the billing cycle. Then we add all these Due Date. Mail your payment, made in US dollars, accompanied by to us at: State Farm Bank, PO Box 94, Deposit, New York 13754 0094 products together and we add any transaction fee that applies. Ths the upper portion of your monthly statement, in the enclosed return gives us the Interest Charge . envelope or to the payment address State Farm Bank, PO Box 23025, Send All Bankruptcy Notices and Documents To Columbus, GA 31902 -3025. Pay by check or money order, and be sure State Farm Bank, PO Box 2327, Bloomington, 11 61702 232' Here Is How We Determine Each Of Your Average Daily to alb. sufficient time for your payment to reach us by the Payment Balances: Due Date, When you provide a died( as payment, you authorize us Reporting Loss, Theft or Unauthorized Use of Your Card We calculate an average daily balance" separately for Purchases either to use information from your check to make a one -time Call us immediately, 24 hours a day, toll Tree at 1877 -SF4 VISA (excluding introductory period Balance Transfers), Cash Advances, electronic fund transfer from your account or to process the payment (1- 877 - 7348472) if you suspect the loss, theft or unauthorized use of introductory period Balance Transfers, and any special rate offers (as as a check transaction. When we use information from your cherk to your Card. You will not be liable for unauthorized use that occurs after applicable). To get the "average daily balance" of your account for make an electronic fund transfer, the funds may be withdrawn from you notify us at the above toll free number or at PO Box 94, Deposit, ea('.h of these types of transactions, we take the beginning balance of your account as soon as the same day we receive your payment and NY 13754 -0094, orally or in writing, of the loss, theft, or possible your account each day, add any new Purchases (excluding introductory you will not receive your check back from your financial instierbon. If unauthorized use. In any case, your liability win not exceed $50. period Balance Transfers), Cash Advances, introductory period Balance you have any questions about ACH, please call 1- 877 -SF4 -VISA Transfers or other special rate offers (as applicable), and subtract any (1 -877 -734- 8472). All payments (including phone remis, wemight Payments with Special Handling Instructions Payments and Credits applied to that type of transactron under the mail, etc) received by us at the payment address by 5:00 P.M. Eastern Any payment instrument you send us for less than the full balance due Payment allocation method then in effect This gives us the daily Time, Monday through Friday (car normal business days), will be that 6 marked "paid in full" or similar notation, or the.t you otherwise balance lot each of these types of transactions. (Credit balances are credited m your Account as of that day. All payments (including phone tender in full satisfaction of a disputed amount, most an sent to State treated as zero for purposes of calculating the daily balances.) Then, rernls, overnight mail, etc) received by us at the address indicated Farm Bank, PO Box 2326, Bloomington, II. 61702.2326. We reserve all we add all of the daily balances for the billing cycle for eac determined h of these after 5:00 P.M. Eastern Time or on any non -bank business day, our rights regarding such instruments. For example, if it is deterned types of transactions and divide the respective totals by the number of including bank holidays, will be credited to your account on the there is no valid dispute or if any such instrument is received at any days in the billing cycle. This gives us the "average daily balance" for following bank business day. The crediting of payments received in other address, we may accept the instrument and you will still owe your account for each of these types of transactions. The average daily any other manner may be delayed any remaining balance. Or, we may refuse to a(:cept any such balances include current transactions for Purchases (including Balance instrument by returning it to you, not cashing It, or destroying it. All Transfers) and for Cash Advances, except that t the Previous Balance State Farm Dollars(R) other payments should be sent to the payment address shown on the of your account was zero or a credit balance. Purchases posted m your If eligble, you will automatically earn State Farm Dollars in accordance front of this .statement . account during the billing cycle are not included in the daily balances with the terms and conditions disclosed in your State Farm Dollars of Purchases for odirl of calculating the Interest Charge Terms and Conditions brochure an purchases you make with your Service for the Hearing Impaired (TDDrrYY) State Farm Bank Visa Card. Once you earn 50 State Farm Dollars, you For any questions or other communications about your Account, please If there a a ;V) next to the Daily Periodic Rate on the front of your can apply your reward Dollars to the State Farm products of your contact our service for the hearing impaired at ! 877 59', -3879 statement, this means that the rate may vary . The variable APR is the choice by accessing your account onto, at ,tatefa,m cam or calling Prime Rate plus your margin as disclosed in your Credit Card 1-877 -SF4 -VISA 0-877- 734 -8472) Special Rule for Credit Card Purchases Agreement and Disclosure Statement and any arnentlrnen[(s) therein. If you have a problem with the quality of goods or services that you Billing Rights Summary purchased with a credit card, and you have tried in goad faith to If the "INTEREST CHARGED" on the front of your statement is $1.50 correct the problem with the merchant, you may not have to pay the or a lesser amount as disclosed In your credit card agreement, as In Case of Errors or Questions About Your Bill remaining amount due on the goods or services. You have this amended), then the Minimum Interest Charge has been applied to If you think your bill is wrong, or if you need more information about a protection only when the purchase price was more than $50 and the your Account during the billing cycle . transaction on your bill, write us on a separate sheet at State Farm purchase was made In your home state or within 100 miles of your Bank, PO Box 1420, Deposit, New York 13754 -1420 as soon as mailing address. (If we own or operate the merchant, or if we mailed A transaction fee Interest Charge may be imposed on each Cash possible. We must hear from you no later than 60 days after we sent you the advertisement for the property or service, all Pur - hases are Advance, Convenience Check and Balance Transfer. If such a you the first bill on which the emor or problem appeared You can covered regardless of amount or location of purchase. ) transaction fee Is imposed, the resulfing Annual Percentage Rate for telephone us, but doing so will not preserve your rights. the billing cycle may be greater than any of the Corresponding Annual State Farm Bank Credit Protection Program Percentage Rates of the Daily Periodic Rate,. In your letter, give us the following information. Your purchase of the State Farm Bank Credit Protector Program is optional. The monthly fee for the State Farm Bank Credit Protection Purchases Grace Period 1. Your name and Account number program is based an your total account statement balance each month There will not be an interest charge on Purchases first posted on this 2. The dollar amount of the suspected error. multiplied by the unit cost which is $0.74 per $100 Vac have the right statement of your account if you pay the entire New Balance by the 3' Describe the era and explain, if you can, why you believe there to cancel the State Farm Bank Credit Protection Program at any time Payment Due Date shown on the front of this statement. You mays an errs. If you need more Information, describe the item you for any reason by calling or writing State Farm Bank or the program void an interest charge on Purchases for the billing re unsure about. g cycle m which administrator. State Farm Bank has the right to cancel die State Farm they am first posted to your Account if that cycle began with a Bank Credit Protection Program iP. (1) your acco nt ' omes more prey balance of zero We may charge i nterest on balances from You do not have M pay any amount in question while we are than 60 days delinquent; or (2) at any time and for airy andson by the p e ous. billing cycle into th_e_ fi tl ay of the new billing investigating, but you are still obligated to pay the parts of your bill giving you written not"' of cancellation at least 30 days in advance. 'cycle This-means you will- receve, a_ Us tem the follow month that are not in question. While we investigate your question, we rqr interest that accrued from the cla date of the revious illin cannot report the amount in question as delinquent or take any action There are eligibility requirements, conditions, and exclus ohs that cycle net fi d are, Qf ro�ur mom ent in(u w to yo account to cdlect the amount you questlon. could prevent you from receiving benefits under the State Farm Bank `o mmlm t he_ a moun t of this inte enC e. New Balance Credit Protection Program. You many find a complete explanation of in -full mmedlately urn m iQt of your nnndr y state ment. Each If you have authorized us to pay your crec it card bill automatically eligibility requirements, conditions, and exclusions in section 3 through Periodic statement must be mailed or delivered to the consumer rp[ horn your savings or checking account, you can stop the payment on 12 of the State Farm Bank Credit Protection Program Terms and later than 21 days before the payment due date. There is no grace any amount you think is wrong. To stop the payment, your letter must Conditions that will be included with your fulfillment materials leriad for Cash Advances and Balance Transfers reach us three business days before the automatic payment s scheduled to occur. Or, you may call us at the telephone number for When Charges are Added to Your Average Daily Balance Customer Service shown on the front of this statement at least three Purchases, Cash Advances and other debits are added to the daily business days before the automatic payment is scheduled to occur . balance as of the gran —tlon date (in the "Transaction Di column on the front of the statement) At our option, we may wait until the posing date to add the transaction to the daily balance. The pasting dates the date we actually process the transaction to your account. Page 3 of 4 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Percentage Subject to Interest Type of Balance Rate Interest Rate Charge Purchases 7.24% (v) $3,300.68 $19.71 Cash 20.24% (v) $0.00 $0.00 (v) = Variable Rate Please enter the account number on all checks and correspondence. SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson F tLEU- F IC Sheriff THE PROTH0NO TARY Jody S Smith �,�������� Chief Deputy °» AM g: 34 Richard W Stewart C" Y Ha ^J p !Solicitor ICE OF THE SHERIFF "14� LYAA State Farm Bank vs. Case Number Colleen Smith 2013-1443 SHERIFF'S RETURN OF SERVICE 0312212013 07:45 PM-Deputy Ryan Burgett,being duly swom according to law,served the requested Complaint& Notice by"personally"handing a true copy to a person representing themselves to be the Defendant,to wit: Colleen Smith at 348 Plum Street, Lemoyne Borough, Lemoyne, PA 17043. R AN BURGETT, D SHERIFF COST: $44.00 SO ANSWERS, March 25, 2013 RONIV R ANDERSON, SHERIFF 3 (o CountySuite Sheriff.Teleosoft.Inc. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA No. 13-1443 CIVIL = I STATE FARM BANK Plaintiff - � vs. cn� r sir; COLLEEN SMITH Defendant(s) �` 5;c= PRAECIPE TO DISCONTINUE TO THE PROTHONOTARY: Kindly mark the above referenced account as discontinued without prejudice. Respectfully submitted, " y . Doy e, Esquire PA Supreme Court ID 87062 Doyle Legal Services, LLC 11 East Market St., Ste 102 York, PA 17401 717-885-0718 877-202-9420 717-885-0726 (facsimile) Counsel for Plaintiff File No. 10007730