HomeMy WebLinkAbout13-1444 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
STATE FARM BANK NO.
ONE STATE FARM PLAZA
BLOOMINGTON,IL 61710
PLAINTIFF
3 _ �-
ANDREA ROCHELLE
500 WALNUT ST APT B3 - -
LEMOYNE PA 17043`
DEFENDANT(S)
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 relief requested by
the Plaintiff. You may lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE
A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE
CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland Co. Bar Association
32 South Bedford Street
Carlisle, PA 17013
800/990 -9108
ao f /a 9. 7S
F'! T,E N0. 10007666
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
STATE FARM BANK NO.
ONE STATE FARM PLAZA
BLOOMINGTON,IL 61710
PLAINTIFF
vs.
ANDREA ROCHELLE
500 WALNUT ST APT 133
L,EMOYNE 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) dias despues que
esta Demanda y 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 uzgamiento 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.
USTED 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 USTED 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
1LE NO. 1000 -/666
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
STATE FARM BANK NO.
ONE STATE FARM PLAZA
BLOOMINGTON,IL 61710
PLAINTIFF
vs.
ANDREA ROCHELLE
500 WALNUT ST APT B3
LEMOYNE 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, Andrea Rochelle, is an adult individual, residing at 500 Walnut St Apt
B3. 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 (Account Number ) (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 ".
RITE No. 1000?666
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.
9. The application for credit submitted by Defendants is attached hereto, incorporated
herein, and marked as Exhibit "C ".
Count 1 - Breach of Contract
10. State Farm incorporates by reference the averments of paragraphs 1 through 9.
11. Defendant failed to make the minimum payment specified on the statements.
12. By reason of the foregoing, Defendant breached the Agreement with State Farm.
13. As a result of the breach, Defendant is personally liable to State Farm for the sum of
$1.926.71 _ See Exhibit "B" as previously identified and incorporated herein.
14. Despite due demand, Defendant has failed and refused to pay State Farm any portion
of the amount due and owing.
15, As a result of Defendant's failure to pay the amount that Defendant owes, State Farm
referred its claim to outside attorneys for collection.
16. By reason of the foregoing, State Farm is entitled to judgment against Defendant for
breach of contract in the sum of $1,926.71, plus costs.
1000 666
WHEREFORE, State Farm demands judgment against Defendant on Count 1 in the sum
of S 1.926.71, plus costs.
Respectfully submitted,
Amy F. Doyle, .squire
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
LE N0. 10007666
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,
illc Plaintiff in this matter, I am authorized to make this verification on their behalf.
Date: --
Jennifer R. T er- Vinsel (employee of State Farm Bank)
S,aecialize Collections Rep., State Farm Bank
O
ANDREA ROCHELLE
EXHIBIT "A"
FILE NO. X0007666
I T
STATE FARM BANI( FINANCE CHARGE under this Agreement may increase it the
Prime Rate increases. The -effect of an increase in the Prime Rate
CREDIT CARD AGREEMENT AND r Ag eo, m . `We will calculate ANNUAL Punder PERCENTAGE
DISCLOSURE STATEMENT RATES every month, based On the Prime Rate publshed in the
The Parties to this Agreement Money Rates" table in The Wall Street Joumal two days prior to billinckL r two or
In this Credit Card Agreement and Disclosure Statement (this Prime R-- tes statement
are c publiished t on tthat the
day. the highest of those rate
'Agreement) the words "you' and your' refer to each person who will be used to calculate the rates of the FINANCE CHARGE under
requests that we issue a visa credit card (a "Card ") to that person or this Agreement. It two days prior to your statement closing data
for use credit another person. If two or mom persons request that we
issue credo cards on the same credit card account ( "Account`), the is a day on which The Wag Street Journal Was not published, the
words "you" and "your" mean each and either of those persons, previous business day on which The Wag Street Journal ce ases
was
iodividuzity, and also all of those persons. jointly and severally. The published will be used. If The Wall Street Jaurnzl ce
words "we'. "us', "our" and 'Stae Farm Bank" mean State Farm 1 pud 1 11 by wnch�l� I s
the
prim the prime rate, we may
mparable index of short-
Bank, F.S.B„ a federal savings bank located in Bloomington, Illinois.
Defrni ons of additional terns are contained in other paragraphs of another short-term interest ra es to be the
this Agreement Prime Rate" under this Agreement. The new ANNUAL
PERCENTAGE RATES, and the new daily riodlc rates calculated
Your Acceptance of the Terms of this Agreement by multiplying the new ANNUAL PERCENTAGE RATES by 1165,
If you apply for a Card from us, or use a Card we issue to you, or use will apply to your Account beginning on the first day of the next
The account number associated with the Card, or if another person billing cycle of your Account after the date on which tie new
uses the Card or account number with your authorization, you will be ANNUAL PERCENTAGE RATES were calculated, and will continue
deemed to have accepted and agreed to all of the terms and to apply unfil new ANNUAL PERCENTAGE RATES and the
conditions of this Agreement corresponding daily periodic rates are calculated and have
h you do net wish to be bound by the terms ecome effective in the manner described in this paragraph. The
rns and conditions et this new ANNUAL PERCENTAGE RATES and the corresponding new
Agreement do not use the Card or authorize another person to use it, 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. bieing cycle, and transactions that occurred during the billing
How to Use Your Card cycle both prior to and after the date the new ANNUAL
Subject to the terns of this Agreement, we will make bans to you ai PERCENTAGE RATES were calculated may be subject to the new
our offices in Bloomington, Ilitnois when you use your Card (which ANNUAL PERCENTAGE RATES and the corresponding new daily
term as used in this Agreement includes use of the account number periodic rates for the entire billing cycle.
associated with your Card) as follows: Calculating the Average Daily Balances: We calculate an - average
dairy 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 Visa credit Bais� Transfers, and any special rate offers (as applicable). To get
cards. Quaskcash transactions, described below, are deemed to the `average daily balance" of your Account for each of these types
be Cash Advances and not Purchases. of transactions. we take the beginning balance of your Account each
(b) Cash Advances. day, add any new Purchases (excluding introductory period Balance
(1) You may use your Card To obtain a Cash Advance at most Transfers), Cash Advances, introductory period Balance Transfers or
banks that display the Visa logo. other special rate offers (s applicable), and subtract any Payments
(2) You may use your Card, in conjunction with the personal and Credits applied to that type of transaction under the payment
identification number ( "PIN ") we will issue to you, to Obtain a allocation method then in effect This gives us the daily balance for
Cash Advance at automated teller machines ("ATMs") that each of these types of transactions, ( Crdit balances are treated as
bear the Plus logo. The operator of the ATM may add a zem for purposes of calculating the daily balances.) Then, we add all
surcharge to the ainount of the Cash Advance you request. If of the dart' balances for the billing cycle for each of these types of
so, the surcharge will be part of the Cash Advance charged to transactions and divide the respeehve totals by the number of days 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 these types of transactions. The average dairy
checking account tf permitted by your financial institution. balances include current transactions for Purchases (including
You obtain a Cash Advance each time your Card is used to Balance Transfers) and tot Cash Advances, except that it the
fund such overdrafts.
Previous Balance of your Account was zero or a credit balance, or a
d) We may send you blank forms of convenience checks or the total of Payments and Credits posted to your Account during the
billing cycle equals or exceeds the Previous Balance, Purchases
cash advance checks ( "Checks') from time to time. It 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 Finance
and completing the Check in accordance with the terms on Charge.
the Check and any written materials that accompany A. You
obtain a Cash Advance each time you use a Check and we Cash Advance Transaction Fen finance Charges: if you use your
pay r when it is presented to us, including when you use a Card to obtain a Cash Advance, we will assess a transaction fee
Check to purchase or lease goods or services. FINANCE CHARGE equal to 3% of the U.S, dollar amount of the Cash
(5) You may obtain a Cash Advance when you use your Card for Advance, subject to a minimum fee of S5.
items that are convertible to cash or similar 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 will assess z transaction tee FINANCE CHARGE equal to
travelers checks, or foreign currency (so -called quasrcash' 3% of the U.S. dollar amount of the Convenience Uieck subject to a
transactions). However, your Card may not be used to minimum fee of S5.
obtain, and we Oil not honor requests for, a Cash Advance in Balance Transfer Transaction Fee Finance Charges: 11 you make a
the form of casino chips, bets or wagers, gaming transactions Balance Transfer to your Account we will assess a transaction fez
(including Internet gambling). lottery tokens or the like. FINANCE CHARGE equal t53% of the U.S. dollar amount of the
(6) Certain establishments may cash your personal checks upon Balance Transfer transaction, subject to a minimum fee of $5 and a
presentment of your Card. In the event we are required to pay maximum fee of S75.
tine amount of a check cashed in this manner because your
check is not paid for any reason, we may charge your International Transaction Fee Finance Charges: d you use your
Account for a Cash Advance in the amount of the check and C a to n
make all international fee FINANCE CHARGE a it, "," will SS dollar
any processing charge we incur. amount of the transaction. An international transaction is dafined as
horn other accoun to your Card Account with us (a "Balance
(cj Balance Transfers. You may use your Card to transfer balances any transaction that was acquired in any country other than the Transfer'). When you request a balarim transfer. we win write United Stites.
our check or transfer funds to your other creditor. The amount of Calculating the Finance Charge: We figure the FINANCE CHARGE
our check or funds transfer will be the amount of your Balance on Purchases charged to your Account and a portion of the FINANCE
Transfer, Balance Transfers are deemed to be Purchases and not CHARGE on Cash Advances charged to your Account by muitiplying
Cass 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 credit applicable daily periodic rate and than by the number of days in the
card Account. Balance Transfer transactions will not be baling cycle, and by adding the resulting products together. We then
processed if made payable to cash, to you, to any individual, to a add any Cash Advance transaction fee FINANCE CHARGES
deposit account or to a Slate Farm Bank credit card account. If calculated as provided above. any Convenience Check transaction fee
such a Balance Transfer is processed. State Farm Bank reserves FINANCE CHARGES calculated as provided above. any Balance
the right to convert the transaction to a Cash Advance. Transfer transaction fee FINANCE CHARGES calculated as provided
Credit Limit above, and any International 'transaction fee FINANCE CHARGES
calculated as provided above. if the FINANCE CHARGE calculated in
We will establish a credit limit for your Account from time to time. this manner is more than zero but less than $0.50, a minimum
Your credit limit will be shown on the initial Card mailer and on each monthly FINANCE CHARGE of $0,50 will be charged to your
monthly statement of your AccounL 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
separate credit limit (as a subiimit within the overall credit limit fur Periodic Rate Evaluation: Any State Farm Ban'< credit card account
your Account) for Cash Advances. If we do, your outstanding Cash that has been open for at least six months will be subject to a
Advance balance at any time must not exceed the Cash Advance periodic rate evaluation. If as a result of this rate evaluation it is
limit. We may change your credit limit or limits from time to time. determined that you are delinquent or are i default with Sate Farm
We will attempt to nobly you if we do. Bank or any other creditor, that you have exceeded any credit line
Your Credit Limit assigned to you by State Fami Bank, or that you have made a
Exceeding payment to State Farm Sank that was not honored by your bank,
If you request credit in any tone which, it granted, would cause either State Farm Bank may increase the ANNUAL PERCENTAGE RATES on
your total outstanding balance or your Cash Advance balance an balances ;including any promotional rare). In delonnining the
(including, in either case, authorized transactions not yet posted to adjusted ANNUAL PERCENTAGE RATES, State Farm Bank may
your Accountl to exceed your credit limit or your Cash Advance credit consider the length of time your Account has been open. the severity
fi
linit or any other credit sublinit we es�blsh for your Account and timing of anj Account delault or delinquency. as well as Account
whet her or not such baLmces befoe it* request were more than t h: usage and performance
respective credit Grnii vie may. at our election: (I? honor the request Repayment: tdinimum Payment Due Each Month
without permanerhUy increasing your credit limit (21 honor the AN
request and treat o amours vrtrch is more than your credt limit as You promise to pay us the amounts of all credit you obtain (inckxx
immediately due: or 0 refuse o honor the request h we refuse o all Purchases and Cash Advances). all fees and charges we assess
honor a Check or Baince Transfer, we may advise the parson against your Account and all Finance Charges as provided in this
presenting the Check or Balance Transfer that credit has been Agreement You agree to make your payments in the amount and at
refused, that there are msdficierR funds to pay the Check or Balance the limes provided in this Agreement Time is of are essence.
Transfer. or in any other marmar. P we decW to honor such a We will provide a statement of your Account at approximately
request. we may assess an ove'limit Fee as provided in this monthly intervals if there has be-n act* on yon Account e finance
Agreement charge is assessed during the preeWN month, or there is a balance
11 ere have previously honored requests ebit.) m your Account uests for credit in excess of your (creditor exceedmc St, unless we diem your
credo lent ft does not man that at? will 1prr r hetier laver -lentil Account to be uncollectibls. or we have instituted delinquency
collection procedures. or furnishing the statement would violate
rquesls. federal law. You may pay any amount up to the en'va Unpaid balanro
RRANCECHARGES (the "New Balance') of your Account at any time. You must KY
When periodic Rate Finance Charges 8e0 o Aarve: each month at kart the Minimum Payment amount shown on sow
(a) Purchases Periodic rare R range Charges will Trot accrue on new monthly statement by the Payment Due Date shown on the
Purchases posted to yowAccomduring fie current billing cycle statem -m The Minimum Payment due each moriM for Accounts is
shown on the montMp statement tot
f the New Belanca, g any, the sum of all past due amounts plus 1 % of the New Balance of your
the previous billi cycle was acm* balance Fe
or zero or was paid Account plus the amount of any Account es and FINANCE
in Ytg by m Payment Due D?te. G the Haw Balanc- was not a CHARGES pos o your Account during the billing cycle, or $10,
credit bala of zero aid was not p41 in frla by its Payment Du- The Payment Duo Dale 20 be at least da Balance
nce after the Closing Date
Dare, plc r�ie Finance Charges on each Purchase (including shown on your months statement. r you overpay. or If credit
Balance Transhrs)) will accrue cagy from the according o th" date balance is otherwise created in your Account, we w01 not pay interest
unti o 0 0 P urc h a s e rs completely rrepaid a according on such amounts. Your payments are not d =emed to be M*J
payment allocation mOrod then in effect until they are posted to your Account See the mor" satement of
(ItI Avoiding Finance Charges foe New Purchases. You may avoid a your Account for details on timely posting of payments. Mal your
Finance Charge on Pui fast posted to your Account during payment made in U.S. dollars accompanied by the payment
the billing cycle if you pay the entire New Balance of your remittance sob, using the envelope enclosed with your monthly
Account not lacer than the Payment Due Date shown on the- statement or to the payment address provided. The crediting of
monthly slat -men, of your Ac court orthat billing cycle. payments sent to arty location other than Use payment address or
(c) Crib Advances. Perk rate Finance Charges on each Cash received in any other manner may be delayed. Do not send
Advance will accrue daily from the trarsaction dace until the date correspondence of any type to the payment address. When you
each Cash Advance is completely repaid according to the provide a check as payment. you authorize us either to use
payment avocation method then in effect. information from your check to make a one -time electronic fund
(d) Transaction Dates 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 we transaction When we use information from your check to make an
process the Check electronic fund transfer, the funds may be withdrawn from your
Periodic Rates of the Finance Charge: The periodic rates we usi to account as soon as the same day we receive your payment and you
compute all or a portion of the FINANCE CHARGE on your Account will not receive your check back from your financial institution. Foi
are described below inquiries about your account, please call us toll-1re at 1-87, SF4-
VISA (1.877- 734 -8472) or write us at PC Box 8406_ Columbus.
(a) Rate of Finance Charge on Purchases. With respect to all Georgia 31908 -408
Purchases ('including Balance Transfers): (1) Preferred , , .g, Your payments will be alocated among the charges on your Account
The daily periodic rate we use o compute the FINANCE CHARGE in the manner we date mine, without regard to any contrary
the Prim- Rate alas the Preferred Pa
on ail r a variable rate which is 11M of the sum of Instructions from you, In most instances, we will allocate your
arng spread rate for
Purchases, which was UALERCENTAGE RATE of the previously disclosed on your writ ca payments befor balances with APRs. This wig result w balances
CHA RGE The RGE is th e P A N N UAL
Rau: PE FINA a lower rote of interest being paid before any other existing
RGE is th Prime Rao plus the Preferred Pricing spread tel: balances. Even though your payment may be credited to your
PERCENTAGE RATE o1 the FINANCE CHARGE is ,.
for Purchases. The minimum Preferred Pricing The g ANNUAL Account in the billing cycle cle in which the payment s received. your
..
minimum dairy periodic tale used to compute the FINANCE available credit may not be increased by the amours: of the payment
CHARGE on Purchases is 0.03749E t,?j Default Pricing, If you until your payment has cleared.
fail to make a ninimum rranthy payment by the payment due U you pay more than the Minimum Payment due, we will apply the
date, exceed your credit gmit or make a payment o us that is not excess payment amount to educe your total outstanding balance.
honored. we may increase the ANNUAL PERCENTAGE RATE on and you will continue to W obligated to make any Minimum Payment
all account balances (including any promotional rate „. In in succeeding months.
detehmining the adjusted ANNUAL PERCENTAGE RATE. w: may We can refuse to accept payments not denominated in U.S. dollars or
consider the length of time your Account has been open, the not drawn on a domestic office of a U.S. bank You agree not to use
severity and timbtg 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 z 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 ft. daily periodic rare we use to compute our Right to Require Immediate Payment
the FINANCE CHARGE on Purchases is a variable rate which is You will be in default and at our election. we can require immediate
11385th of the sum of the Prime Rate plus a percent n to of all amounts you owe us without notice or demand t:
excee 20.0r%. The corresponding ANNUAL PERCENT AGE payment
RATE of the FINANCE CHARGE is the Prime Rate plus a percent when due: to
or l yoo exceed your erz this
ditlimit, or it wexactly
not to exceed 20.99 %. established a separate Cash Advance credit limit or other credit
(b) Rate of Finance Charge on Cash Advances. With respect to all subllmt for you. your outstanding Cash Advance balance exceeds
Cash Advances: (1) Preferred Pricing. The daily pericdlc 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 sublimh; 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 impaired (including, without limitation, if you fit- or have filed against
ANNUAL PERCENTAGE RATE of the FINANCE CHARGE is the you as debtor a proce4ing 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 Ih: U you are in default, unless prohibited by applicable law, you also
FINANCE CHARGE on Cash Advances is 0.0548 %. (?) DIU must pay us or reimburse us for all costs and disbursements.
f!&fno. 9 you fail to make a minimum monthly payment by ihz including reasonable attorney's fees, incurred by us in legal
payment due date, exceed your credit limit or make a payment to proceedings (including bankruptcy proceedings; to collect or enforce
us that is not honored, we may increase the ANNUAL the Obt
PERCENTAGE RATE on all balances (including any promotional Payment Holidays
rate). In d_temining the adjusted ANNUAL PERCENTAGE RATE. From time to time, solely at oar 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 will notify you when this option is
the severity and timing of any Account default or delinquency, as
well as Account usage and performance. U Default Pricing is available. if you skip a payment. Finance Charges (and credit
wel as to your Account ;twill become effective with the first day protection fees. t any) will continue to accrue on your Account
of me next billing cycle and the dairy periodic rate we use to balance in accordance with this Agreement. Tire requirement that
compute the FINANCE CHARGE on Cash Advances is z variable you make the Minimum Payment due each month will resume
rate which is 113 65th of the sum of the Prime Rate plus a percent following the payment holiday.
not to exceed 20,99 %. The corresponding ANNUAL Transactions Made in Foreign Currencies
PERCENTAGE RATE of the FINANCE CHARGE is the Prime Rat=. If a transaction is made in a forFdgn currency. we and Visa
plus a percent not to exceed ?0.99 °. 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 viii, their operating regulations or
PERCENTAGE RATES und_r subparagraphs 'a) and (b) above arc conversion procedures in effect at th- time the transaction is
variable rates based on the Prime Rate pub Shed in the "Money processed. A rate selected by Visa from the range of rates available
Rates” table in The lVall Street Journal. The rates of the in wholesale currency markets for the applicable central processing
. CnNi1NUED „ N REVERSE 57DE
144:70 2 /lY /0 4�4 ?M 'age t (JL
date, which rate may vary from the rate Visa itself receives. or :he- Information Gathering and Sharing
government - mandated rate In effect for the applicable central Please refer to the State Farm - Notice of Privacy Policy" for our
processing date, in each instance. plus or minus any adjustment polices on collecting. us ng, securing and sharing nonpublic
determined by us. The currency convers rate calculated in this personal Information. Additional copies of our "Notice of Privacy
matter that is in effect on the processing date may differ from the rate Policy' are available by taping us toll-free at 1- 877 -SF4 -BANK (t-
in effect or the transaction date or the posting dale. When any 877. 734 - 2265), on our website (statefarm.comR! , or from your
transaction must be convened back into a foreign currency because bual Sate Farm agent
of a refund or other reversed transaction, the same currency if you believe that inaccurate or incomplete information about you or
conversion formula will apply. your Account has been shared by us with a credit reporting agency,
Baling Cycles of Your Account write to us at: State Farm Bank PO Box 84062, Columbus. Georgia
Each billing cycle of your Account begins on file day after Me closing 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 if you do Governing Law
not receive a monthly statement of your Account as otherwise This Agreement. including. without limitation, the mt erest to be
provided in this Agreement. charged, is governed by Federal law and by the laws of the State of
Account Fees and Charges Illinois to the extent that federal law is not controlling. without regard
The following fees will be charged to your Account as a Purchase in to its conflict of laws principles.
the billing cycle in which the charges are incurred: (a) a Late Severability; No Waivers
Payment Fee if we do not receive payment in an amount at least
equal to the Minimum Payment due shown on the monthly statement It any pan of this Agreemert is found to be invalid, itne rest remains
of vour Account by the Payment Due Date shown on the statement. effective. Any failure or delay by us in exercising any of our rights or
The amount of the Late Fee will vary based on the New Balance of remedies under ;his Agreement or under applicable law does not
your Account a he closing date of your billing cycle as follows: $15 mean that we will not be permitted to exercise those rights or
if the New Balance is less than 5500; S29 if the New Balance is 5500 remedies later. We may accept late payments or partial payments
or greater but less than $1,000; S34 if the New Balance is $1000 or without losing any of our rights or remedies. You have not waived
greater, (b) an Overilmit Fee of S34 if your Account balance exceeds under this Agreement any of your rights or our duties under the
your credit limit or any separate Cash Advances credit limit for your Illinois Financial Services Development Act.
Account (even it fees assessed by us cause your Account balance to Binding Arbitration
exceed your credit limit), charged to your Account as of the first day Any claim or dispute (including arty counterclaim) by either you or us
in the billing cycle that your Account balance exceeded your credit against the other. arising from or relating in any way to this
limit or exceeded any separate Cash Advances credit limit for your Agreement, or any solicitation or negotiation precedirg this
Account; (c) a Returned Paymertt Fee of $34 if a check or draft you Agreement, or any prior agreement, or your Account, or any
send us as a payment on your Account is returned for insufficient insurance coverage charged to your Account, or any relationship
funds or for any other reason; (d) a Returned Check Fee of S34 if we resulting from any of the foregoing (whether based on a statute,
return a Check unpaid for any reason: (e) a Stop Payment Fee of S34 contract, tort, or other legal theo and whether for money damages.
for each Check on which you request us to stop payment and for penalties, or declaratory or equitable relief). including disputes
each renewal of your stop payment request (1) a Statement Reprint regarding the applicability of this Arbitration Agreement to the claim
Fee of $5 for each copy of a monthly statement Itwo copies may be or dispute or the validity of this Arbitration Agreement, where the
requested each 12 months without charge). (g) a Copy Fee of $5 for amount of the claim or dispute (individually or in the aggregate for ail
each copy of a sales draft (if it is determined that a billing error claimants) exceeds S 25,000, or is for an unspecified amount, or
occurred involving the requested monthly statement or sales dralL includes a claim for punitive or exempta y damages or emotional
the charge will be waived or reversed.), and (h) a 515 per hour (with distress, or is brought as a class action or as a private attorney
a S10 minimum) Account Research Fee for account research general action each, a "Claim "), shall be resolved solely in your own
incurred in servicing your account name and behalf by binding arbitration.
Unless prohibited by applicable law, we may charge your Account, as You of State Farm Bank may elect to have any claim trial is not
a Purchase, the amount of any tests we incur in complying with covered above, that is any claim that is for S 25,000 or less, resolved
state abandoned or unclaimed property laws with regard to your by binding arbitration. Stich election made by one parry shall be
Accoum, binding on both games.
Authorized Use of Your Card by Others The arbitration shall be conducted by the National Arbitration Forum
If you permit any person to have access to your card or Account ( "NAF') under its Code of Procedure (the Rules ") in effect at the
number with the authorization to make a charge, or 4 you request us time the Claim is filed. Copies of the Rubs 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 tiled at any National
for all charges made by that person, including charges you may not Arbitration Forum offic online at vnvw.arb -fo M coin. or by mail at
have intended that person to make. PO Box 50191, Minneapolis, Minnesota 55405, telephone 1-800-
If you are an authorized user and you use this Account you are liable 474 -2371. Or, you may call us, and we will give you information on
for each transaction you make on the Account plus any Finance how to obtain a copy of the Rules without charge. If the NAF Is
Charges, Other Fees and Charges, and expenses provided in this unable or unwilling to act as arbitrator, we may substitute another
Agreement and related to such transactions. 4 you are an authorized nationally recognized independent arbitration organization that uses a
user, your liability does not relieve any cardholder under this code of procedure similar to the Rules. The Rules contain provisions
Agreement from liability for the authorized user's transactions until whereby the arbitration filing fee, administrative fee and/or hearing fee
paid may be waived or deferred under certain conditions upon your
Chocks request In our sole discretion, we may advance any arbitration filing
Special Provisions Regarding fee, administrative and hearing fees which you are required to pay to
You may stop payment on an unpaid Check by oroviding us with the pursue a Claim in arbitration. If we do, the arbitrator will decide who
check number, dollar amount, and payee exaei3y as they appear on will be ultimately responsible for paying those fees. Any arbitration
the Check A stop payment request expires six months after the dot= hearing at which you appear in person will take place within the
we accept your stop payment order unless you renew it in writing federal judicial district that includes your billing address at the time
within two weeks pnorto the expiration date. If you stop payment on the Claim is fifed.
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
It you post -date a Check are may honor the 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 court having jurisdiction.
waning until the date shown on the Check We are not liable to you The arbitrator shall tri existing substantve law (to the extent
for any loss or expense incurred by you arising out of the action we consistent with the FAA) and applicable statutes of limitations, shall
elect to take. honor any claims, defenses, and privileges recognized by law, and
You may not use a Check or any other Cash Advance to make a may grant the same relief a tour of competent jurisdiction could
Payment under this Agreement or any other credit account you may grant in an individual action. 0 any party so requests, the arbitrator
have with us. will write an opinion containing the reasons for the award.
Certain Limitations on Use of Your Card No Claim submitted to arbitration is heard by a jury and no Claim may
Your Account is a consumer credit account. You must not use your be brought as a class action or as a private attorney general. You do
Card primarily for business or commercial purposes. not have the right to act as a class representative or participate as a
You must not use your Card for any unlawful purpose or in any illegal
member of a class of claimants wth respect to any Claim.
transaction. This Arbitration Agreement shall survive the termination of your
Additional Cardholder Benefits Account with us as well as any payment in full of the debt you owe
We may offer y ou cerain additional cardholder benefits from time to us under this Agreement, any bankruptcy by you and any
y Y assignment of the debt by us.
rime, including balance transfers, interest tree special purchases. and
temporary APR reductions. Any such benefits, If offered and For the purposes of this Arbitration Agreement, "we' and - us'
provided to you, will be subject to the restrictions outlined in the includes our parent, subsidiaries, affiliates, officers, directors,
benefits brochure we provide to you. However, unless otherwise employees, agents, licensees, predecessors, successors, assigns,
stated in the promotion, the terms of this Agreement shall also govern and any purchaser of your Account. and all officers, directors.
any such Special Purchase Promotion. We reserve the right to employees, agents and assigns or arty and all of them, and also
change, add to or discontinue these benefits and services at any lime includes any third party providing benefits, services, or products in
without none to you. connection with your Account (Including but not limited to credit
Refusal to Honor Your Card; Refused Authorizations bureaus, merchants that accept any credit device issued under the
Account, rewards or enrollment services, credit insurance
live will not be liable it any other bank airy' ATM, or any seller or companies, debt collectors and all M their officers. directors,
lessor of goods or services refuses to honor your Card or retains employees and agents) 4, and only if, such a third parry is named by
your Catd when you attempt fo use It. Even though you have you as a co- defendant In any Clam you asset against us. Also, for
avaabb cpne credit on yourAccount we may fail orde to authorize a the purposes of this Arbitrarinn Agreement, "you" or 'yours° shall
�a Aloe rn neem y f al rlA o u at our ._ _ ._
panicufar transaction due to operational difficulties or, at our mean any person or entity approved by us or you to use your
dsrxetnom for other reasons we deem 10be appropriate . Account. including but not limited to all persons or entities
Gaming and Wageftg Trion Cf=s contractually obligated on your Account and all authorized users of
The State Farm Bank credit card is not to be used tot arty gaming or the Account
wagering transactions, including transactions for casino chips. bets, h any part of his Arbitrator Agreement is found to invalid or
wagers Internet gambling Bank k ail declare transactions any other gaming or wagering unenforceable under any law or statute consistent with the FAA. the
chi s bets Site Farm Banother for casino gaming or remainder of this Arbitration Agreement shall be enforceable without
chips bets. wagers. Internet gambling or any oer regard to such invalidity or unenforceabi§y.
wagering transaction.
Suspension or Tenninatioa of Yow Credit Line Will respect to all claims that are not resolved by tindig atbitrabon.
We may suspend or temerate your right 10 obtain additional credit at you and we hereby WAIVE THE RIGHT TO A TRIAL BY JURY.
any time. 11B Cards we issue to you or at your request remain our THE RESULT OF THIS ARBITRATION AGREEMENT IS THAT. EXCEPT
properly. and you agree to return all such Cards to its at our request AS PROVIDED ABOVE, CLAIMS CANNOT BE LITIGATED IN COURT.
You may aermatala your right to obtain additional creditatmytime by INCLUDING SOME CLAIMS THAT COULD HAVE BEEN TRIED
cutting all unexpired Cards outstanding on your Account in two and BEFORE A JURY, AS CLASS ACTIONS. OR AS PRIVATE ATTORNEY
retmag them to s. Your Obligations under this Agreement continue GENERAL ACTIONS.
unclnathged after your right to obtain credit has been suspended or
terminated by you or bs• us. YOUR 81LLING RIGHTS
O68gatiorn of VWM* Cardholders Keep this notice for future use.
AI joint accountholders are individually and jointly responsible for This notice contains important information about your rights and our
paying the entire oustan ding balance on the Account. If, two or more responsibilities under the Fair Credit Billing Act
persons are responsible for paying any outstanding balance. we may Notify Us in Case of Error or Questions About Your 8111. 0 you think
refuse to release any of them from liability urn all of the unexpired your bill its wrong. or if you need more information about a
Cards out on the Account have been rearmed to us and the transaction on your big, write us on a separate sheet at Slate fain
Account balance is paid in fut The obligations of the other obligated Bank. PD Box 84062, Columbus. Georgia 31908.4002. Write to us
persons will not be affected by the release or discharge of one or as soon as possible. Dc not send the notice on or with your
more of the persons who 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
Amendments telephone us, but doing so vril not preserve yourrights.
We may amend this Agreement at any time to change. add. or delete In your letter, give us the following: (11 your name and Account
provisions upon 15 days notice to you prior to the effective date o f number; (2) the dollar amount of the suspected error, and (3) a
the change or. it urger, such notice as is required under applicabh description of the error and an explanation, 11 you can, of why you
provisions of federal law or taws of Ute State of Ilgnois. The believe there is an error. 0 you need more information, describe the
notice may be included on or with the monthly statement of your rem you are not sure about
Account Urdess.otherwse provided by law, the notice period begins Your Rights And our Responsibilities After We Receive Your
to run when we mail or deliver The notice of change 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 90 days, we must
and it you reject tie amendment in the manner provided in the either correct the error or explain why we believe the bill was coffect
amendment, we may ferminate your fight to receive additional credit After we receive your letter, we cannot try to collect arry 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 big you for
rejection of the amendment U 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 charge and other increased charges and fees) will apply to all to pay any questioned amount while we are investigating, but you are
then otastarifing unpaid Indebtedness in your Account including any still obligated to pay the pmts of your big that are rat in question.
such indebtedness that arose out of Purchases made or Cash If we find that we made a mistake on your bill, you will not have to
Advances obtained prior to the effective date of the amendment This pay any Finance Charges related to any questioned amours. If we did
Agreement may not be amended except in writing. We may replan not make a mistake, you may have to pay Finance Charges, and you
your Card with another credit 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 will send you a statement of the annum
us with the intent to amend this Agreement must be sent to us in you owe and tha dale that a is due.
writing at: Stale Farm Bank PO Box 84G62, Columbus, Georgia ll you fail to pay the amount that we think you owe, we may report
31908 -4OE2. If any such payment instrument is received at any you as delinquent However. if our explanation does not satisfy you
other address. we may accept the payment instrument which will not and you write to us wPdhin twenty-five (25) days telling us that you
constitute consideration. and no amendment to the Agreement small 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 bill, and we must leg you the name of anyone
written agreement signed by one of our authorized representatives we report you to. We must tell anyone we report you to that the
Communications Concerning Dispuled Debts mater has been settled b lween us when it finally s.
Any payment instrument you send us for less 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 if your bill was correct
otherwise tender in fug satisfaction of a disputed amount must b: Special Rule for Credit Card Purchases. t you have a problem with
sent to State Fans Bark, PO Box 84062, 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, t t is determined there is no valid dispute or it arry such with the merchant, you may have the right not to pay the remaining
instrument s received at any other address, we may accept the amount due on the property or services. Th:re are two limitations on
instrument and you will soil owe any remaining balance. Or, we may this right .
refuse to accept any such instrument by returning it to you, not (11 you must have made the purchase in your home state or, it
cashing it, or destroying R Satisfaction of your debt for less than the not within your home state. within 100 miles of your current
full amount due requires a written agreement, signed by one of our mating address, and
authorized representatives. (21 The purchase price roust have been more than $50.
Change of Name or Mailing Address These limitations do not apply t we own or operate the merchant, or
You must notify us immediately of any change of your name or if we mailed you the advertisement for the property or services.
mailing address from that shown on your latest monthly statement Transactions with Merchants
The back of your monthly statement contains a form you may use for Return Policy, t a mercham. discloses a policy such as "no returns',
this purpose. "no refund ". "no return or credit without receipt ", "as is ", - store
Assignment credit only", or "all sales 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 merchant's cancellation policy and follow it ff
entry. The person or entry to whom we make any such assignment you cancel. If you cancel. obtain the merchants canreflation number
shag be entitled to all of our rights under this Agreement, to the extent that it s required to give you. The merchants may charge you for a
assigned You may not assign your rights under this Agreement. cancelled transactor unless you can provide us with the merchant's
Unauthorized Use of Your Account cancellation number. Recurring Transactions. If you authorize a
rirerohani to charge your Account for repeat transactions with your
Please notify us immediately of the loss, theft, or possible. Card. you must notity the merchant when you want to discontinue the
unauthorized use of your Card. You may be liable for unauthorized repeat transactions or if your Account is closed or a new Account
use of your Card 0 your gross negligence results in unauthorized use. number is issued by us. Dispute Assistance. 9 you disagree with a
You will not be liable for unauthorized 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 will provide information or assistance
31908-4062, of the loss, that,, or possible unauthorized use. In any we reasonably request Otherwise. you will pay us for any resulting
case, your liability for unauthorized use will not exceed $50, loss we have unless we are prohibited by applicable law from holding
Please sign your Card immediately after you receive a. Please you gable for our loss,
safeguard your Card like you would if it were cash. Do not disclose Notice lot Married Wisconsin Residents. No provision of any marital
your PI\ to anyone else. property agreement, unilateral statement or court order applying to
Monitoring Telephone Conversations marital property will adversely affect State Farm Bank interests unless
prior to the time credit is granted, Stale Farm Bank is furnished with a
You consent to and authorize us, any of our affiliates, and our copy o' the agreement statement or court order, or Sate Farm Bank
marketing associates to monitor andlor record (unless prohibited by has actual notice of tha provision. Married Wisconsin residents must
law) any of your telephone conversations with our representatives or furnish the name and address of their spouse to State Farm Bank at
the representatives of any of such companies. PO Box 84062, Columbus. G -orgia 31908.4062.
F,13- 7117 -1 CPC; ?176
EXHIBIT "B"
,E W . 10007666
Account Number: 4707 - 8812- 3529 -4676
jig AB anK New Balance: $1,926.71 Payment Due by 5PM (ET) on: May 25, 2012
Minimum Payment Due: $1,926.71
Amount Past Due: $1,926.71
Amount Enclosed. $
STATE FARM BANK
PO BOX 23025
COLUMBUS GA 31902 -3025
Make Check Payableto STATE FARM BANK&
ANDREA ROCHELLE I Please check box for address or telephone
500 WALNUT ST APT B3 ** 0062925 change.
LEMOYNE PA 17043 -1575 (Complete form on the reverse side)
4707881235294676 001926713 001926713
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 °
° Please Call: Statement Period: 03/29/12 - 04/28/12
1-877-SF4-VISA (1 -877-734-8472) Account Number: 4707 -8812- 3529 -4676
Additional contact Information Payment Due
loc on re verse side. by 5PM (ET) on: May 25, 2012
Summary of Account Activity
Previous Balance: $1,926.71 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: $0.00
Interest Charged: $0.00 Closing Date: April 28. 2012
New Balance $1,926.71 Number of Days in Cycle: 31
Payment Information
New Balance: $1,926.71 Minimum Payment Warning: If you make only the minimum
Minimum Payment Due: $1,926.71 payment each period, you will pay more in interest and it will take
Payment Due by 5PM (ET) on: May 25, 2012 Ion eg r to pa y off your balance. For Exam le: _
Late Payment Warning: If we do not receive your minimum payment If you make no You will payoff the And you wil lend
by the date and time listed above, you may have to pay a late fee up to additional charW baWmstxw on up peykiG
50 00 using this card tt►k statement in an total
and each month about... of...
YOU pay...
Only the minimum 0 months so
payment
If you would like information about credit counseling services, call 1- 877 - 734 -8472.
Transactions For: 4707- 8812 - 3529 -4676
Posting Transaction Reference
Date Date Number Description $ Amount
2012 TOTAL YEAR -TO -DA
Total Fees Charged in 2012 $563.56
Total Interest Charged in 2012 $66.87
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% $1,643.21 $0.00
P ease enter cna go of address or telephone number below.
Address - --
C ty - State Zp
dome Phone on ;nude area codel Work Phone (include area code)
To Contact Us Regarding Your Account
I ?
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 tumsh 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 No 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 paymen made in US dollars, accompanied by to us at State Farm Bank, PO Box 94, Deposit, New work 13754 -0094 .
and by the number of days in the billing cycle. Then we add all these me 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 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, II 6170: )31'
Here Is How We Determine Each Of Your Average Daily to allow sufficient time for your payment to readi 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
calculate an "average tlaily balarxe" separately (or Purchases either to use Informal from your check to make a one -time Call us immediately, 24 hours a day, toll free at 1 -877 SF4 -VISA
We cl ng introductory period Balance Transfers), Cash Advances, electron, fund transfer from your account or to process the payment (1 -877 -734 -8472) t occyou suspect the loss, theft or unauthorized use of
(ex udi udi tory period Balance Transfer, and any special rate offers es, as a check transaction. When we use information from your died, to your Card. You will not be liable for unauthorized use that urs after
Tc g the "av daily balance" special
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 PC Box 94, Deposit,
applicable) get erage
each of le) ro types t of "avrage 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 net exceed $50
Period Balance Transfers), Cash Advances period Balance you have any questions about ACE, please call 1- 877- SF4 -VI5A
ic (1- 877 - 734 - 8472). All payments (including phone remits, overnight Payments with Special Handling Instructions
Transfers or other special rate offers (as applis able), and subtract any
Payments and Credits applied to that type transaction under the r^ahl, etc) received by us at the payment address by 5:00 P.M. Eastern Any payment instrument you send us for less than the hell 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 effet Th (Creed 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
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, 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 s received at any
days in the billing cycle. This gives us the "average daily balance" for following hank business day. The crediting of payments received In other address, we may accept the instrument and you will still owe
ac. any other manner may be delayed. any remaining balance. Or, we may refuse to accept any such
your count by each of these types of transactions The average daily
instrument returning you, not cashing It, or destroying t. All
balances include current transactions for Purchases ( including Balance n e se
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 Farts 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 (4) next w 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 - 5933879
statement, this means that the rate may vary . The variable APR is the choice by accessing your account online at statefarre com or calhog
In your Creet Card '-877 -SF4 -VISA It -877- 734 -84721 Special Rule for Credit Card Purchases
Rime Rate plus your margin as disclosed
Agreement and Disclosure Statement and any in your C 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
cor rect the problem with the merchant, you may not have to pay the
If the 'INTERS D . ST CHARGED' oh the front of your statement is $1.50
for a lesser amount CHARGED in your credit cord agreement, as In Case of Errors or Questions About Your Bill remaining amount due on the goods or service:. 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 Doty 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 you
Bank, PO Box 1420, Deposit, New York 137541420 as soon as mailing address. (If we own or operate the merchant, or if we mailed
possible. We must hear from you no later than 60 days after we sent you the advertisement for the property or services, ell Purchases are
A transaction fee Interest Charge may be imposed on each Cash
Advance, rre Check and Balance Transfer. If s «h a you the first bill on which the error or problem appeared. You can cweretl regardless of amount or I«atiah of purchase
transaction fee s imposed, the resulting Annual Percentage Rate for telephone us, but doing so will not preserve your rights
the billing ydi may be greater than any of the Corresponding Annual State Farm Bank Credit Protection Program
e Rates of the Daily Periodic Rates. In your letter, give us the following information. Your purchase of the State Farm Bank Credit trod Program s
Percentage optional. The monthly fee for the State Farm B ank Credit Protection
Purchases Grace Period 1. Your name and Account number. program is based on your total account statement Galante 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 n 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 eror . 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
t
previous balance sit zero. We mm�_ hharae interes le balances tr am 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 y7reviou_ ;- bilNng_ck begmnina _the. first _ day of the new- billng mvestigat rig, but you are still obligated to pay the parts of your bill giving you written notice of cancelNtbn at least 30 nays n advance.
cycle This means � ill lecerve a stateme the _fol lowing month that are not - n question Wile a estimate your question, we
for terestthat accrued fro the closi date of the_prev billing cannot report the amount in question as delinquent or rake ke any y .ton There are eligibility regorements, cond w
and exclusns that
I nil the dare red f o m the in full co at post to your accou ro collect the amount you quest on. could prevent you from receiving benefits and the State Farm Bank
Mini the amount of this In ter est, pay the entire New B alance Credit Protection Program. You many find a omplte planation of
To mr
r full mize the_ a - rece cr Monthl statem Each If you have authorized us to pay your credit card bill automatically eligibility requirements, conditions, and excluslo section 3 through
period, statement must be mailed or delivered to the consumer net 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 matenas
period for C:asr Advances and Balance Transfers reach 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 M the dally business days before the automatic payment Is scheduled to occur
balance as of the transaction date (in the 7 cansadon Date' column
on the front of the statement) At our option, we may waft until the
posing date to add the transaction to the daily balance. The posting
Cate is the date. we actually process the transaction to your account.
- - P,a;7e 3 of 4
Cash 0.00% $283.50 $0.00
Please enter the account number on all checks and correspondence.
News /Important Messages etc...
Your account is over the limit by $426.71. 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: 4707- 8812- 3529 -4676
Bank New Balance: $1,926.71
Payment Due by 5PM (ET) on: April 25, 2012
Minimum Payment Due: $1,926.71
Amount Past Due 5623.56
Amount Enclosed $
STATE FARM BANK
PO BOX 23025
COLUMBUS GA 31902 -3025
Make Check Payable to STATE FARM BANK®
ANDREA ROCHELLE I Please check box for address or telephone
500 WALNUT ST APT B3 0062544 change.
LEMOYNE PA 17043 -1575 (Complete form on the reverse side).
4707881235294676 D01926713 00192671.3
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, ° ag ,, ' o 4
•• •�~ �� a Please Call: Statement Period: 02/27/12 - 03/28/12
1-877-SF4-VISA (1 -877-734-8472) Account Number: 4707 -8812- 3529 -4676
Additional contact Information Payment Due
lo cated on r everse side. by 5PM (ET) on. April 25, 2012
Summary of Account Activity
Previous Balance: $1,926.71 Total Credit Limit: $0.00
Payments & Credits. $493.56 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: $493.56
Interest Charged: _$0.00 Closing Date: March 28, 2012
New Balance: $1.926.71 Number of Days in Cycle: 31
Payment Information
New Balance: $1,926.71 Minimum Payment Warning: If you make only the minimum
Minimum Payment Due: $1,926.71 payment each period, you will pay more in interest and it will take
Payment Due by 5PM (ET) on: April 25, 2012 longer to pay off your balance. For Exam le:
Late Payment Warning: If we do not receive your minimum payment If you make no You will pay off the And you w$�end
by the date and time listed above, you may have to pay a late fee up to addiffonalchargm balance shown on UP Pe 19
$000 using this card this statement in an estirriedtotal
and each nxxtth about.. of...
YOU pay...
Only the minimum 0 months s0
payment
If you would like information about credit counseling services, call 1- 877 - 734 -8472.
Transactions For: 4707- 8812- 3529 -4676
Posting Transaction Reference
Date Date Number De _scr i tp ion _ - $ Funount
PAYMENTS AN CREDITS
02 -29 -12 02 -29 -12 CASH FINANCE CHG CREDIT 54107 CR
02 -29 -12 02 -29 -12 LATE FEE CREDIT $245.00 CR
02 -29 -12 02 -29 -12 PURCHASE FIN CHG CREDIT $16.27 CR
02 -29 -12 02 -29 -12 PURCHASE FINANCE CHARGE C $189.22 CR
FEES
03 -01 -12 03 -01 -12 DEBIT $493.56
TOTAL FEES FOR THIS PERIOD $493.56
2012 TOTAL YEAR -TO -DAT
Total Fees Charged in 2012 $563.56
Total Interest Charged in 2012 $66.87
Pease enle change of address or telephone number below:
Address -- -_ --
Cty State Zip
I iome Phone (n;I_de a code Work Phone (include area codei
To Contact Us Regarding Your Accou
is ?
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 informal about your account to credit bureaus. You have
transaction In the "Interest Charges" section, we calculate an average you most always pay at leas[ 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, New "ork 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 Documents To:
gives us the interest Charge Columbus, GA 31902 -3025. Pay by check or money order, and be sure State Fann Bank, PO Box 2327, Bloomington, II 6170.? 232z
ere Is How We Determine Each Of Your Average Daily to allow sufficient time for your payment to reach us by the Payment
H
Balances: Due Date. When you provide a check as payorl you authorize us Reporting Loss, Theft or Unauthorized Use of Your Card
We wkulate a erage 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
excl uding In troductory 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 es, as a check transaction. When we use information from your check M your Card, You will not be liable se that ccurs
le for unauthorized at o after
. period your account for make an electronic fund transer, the funds may be withdrawn from you nobly us at the above toll -free number or at PC Box 94, Deposit,
applicable) get the "average daily balance" of
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 13759 - 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 nut 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 spacial rate offers (as applicable), and subtract any (1- 877 -734- 8472). All payments (including phone demos, overnight Payments with Special Handling Instructions
Payments onto Credos 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 a rid Credits
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 teat you otherwise
balance for each of these types of transactions. (Credit balances are credited be your Account as of that day. All payment (including phone tender n full satisfaction of a disputed amount, most be sent to State
treated as zero for purposes of calculating the daily balances.) Then, snit, overnight mail, etc) received by us at the address indicated Farm Bank, PO Box 2326, Bloomington, If 61702 -2326 . We reserve all
we add all of the daily balances for the billing cycle for each of these after $'.OD P.M. Eastern Time or on any non -bank business day, our right regarding such instrument. 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 amount on the there is no valid dispute a if any such instruments recerved at arty
days In the billing cycle This gives us the "average daily balance" for following bank business clay. The crediting of payment received in other address, we may accept the instrument and you will still awe
your account for exit 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
instrument returning
balances include current transactions for Purchases (including Balance n t should he se a se you, not nt M the payment It, or dest
ad0uess shown cwn on the
ft. All
Transfers) and for Cash Advances, except that rf the Previous Balance State Farm Dollars® other payments
of your Account was zero or a credit balance. Purchases posted M your If eligale, you will automatically earn State Fan Dollars in accordance front of this statement .
acc ount during the billing cycle are not Included in the daily balances with the tens 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 (TODIll
State Farm Bank Visa Card. Once you earn 50 State Farm Dollars, you For any questrons or other cornmunicatlons about your Account, please
It there is a (v) ner to the Daily Periodic Rate on the front of your can apply your reward Dollars to the State Farm product or calling
your contact our service for the hearing impaired at 1.877 593 3879
choice by accessing your account online at statefarm Co. o
statement, this means that the rate may vary . The variable APR k the calling
Prime Rate plus your margin as disclosed h your Credit Card 1- 877 -SF4 -VISA (1877- 734 -6472} Special Rule for Credit Card Purchases
Agreement and Disclosure Statement and any amen your ( thereto_ If you have a problem with of goods or services that you
Billing Rights Summary purchased with a credit card, and you have tried in good faith to
[f the 'TNTERF iT CHARGED' on the hoot of your statement is $1.50 re the problem with the merchant, you may not have to pay the
nor a lesser amount R disclosed In your credit card agreement, as In Case of Errors or Questions About Your Bill remai ing amount due the goods service; You have this
vended), 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 rycle. 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 won as mailing address, (If we own or operate the merchant, or if we mailed
A transaction fee Interest Charge may be imposed o 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, x Check and Balance Transfer If such a you the firs[ bill on which the error or problem appeared. You can covered regardless of amount or location of purchase.',
_onvenien� telephone us, but doing so will not preserve your right
transaction fee is imposed, the resulting Annual Percentage Rate far
be billing cycle may be greater than any of the Corresponding Annual In your Farm Bank Credit Protection Program
Per 9 e Rates of the Dail Periodic Rates your letter, glue us the following information: Your purchase of the Stale Farm Bank credit Bank C red Program Y optional. The monthly fee for the Sete Farm Bank Credit Protection is
Purchases Grace Period 1. Your name and Account number. program is based on your total account statement balance each month
here will net ne 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 $101. 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 an error. If you need more information, describe the item you for any reason by calling or writing State Farm Bank or the program is
avoid an Interest charge on Purchases for me billing cycle in which are unsure about. administrator. State Farm Bank has the right to cancel the State Farm
they are first posted ro your Account if that cycle began with a Bank Credit Protection Program if (1) your Account becomes more
Previous balance st zero. We n3A dtntgi _int le b alances tram You do not have to pay any amount in queston white we are than 60 days delinquent, or (2) at any time and for any reason by
prev u_s-bl o f cycle . beginnin the first day of the new billing investga[ng but you are still obligated to pay the parts of your bill giving you wri tten notice of cancellation at least 30 cars m advance
the ions b.
cycle This means you will receive _a, stateme the fol lowing —nth that are not m question. Wink we investigate your question, we
rev lu I illin g cannot report the amount in question as delinquent or take any action There are eligibility requirements, conditions, and exclusions that
fi� m erest that d ft= t he �osing of the o _ -a — to collect the amount you question could prevent you from receiving txenefrcs under the State Farm Bank
Cycle until the date of Your payment in-fu was posted to Your account. Credit Protection Program. You many find a complete explanation of
To minimize th a of this. interest oav t he entire New Balance If you have authorized us to pay your credit card bill automatically eligibility requirements, conditions, and exclusions in section 3 through
full mme ly urn re ceipt of your roo state Each from your savings or checking account, you can stop the payment on 12 of the State Farm Bank Credit Protection Program Terms ant
pe odlc statement must be mailed o delivered to the consumer not any amount you think is wrong. To stop the payment, your letter must Conditions that will be included with your fulfillme ht mater als
later Man 21 days before the payment due date. There is no grace reads us three business days before the automatic payment is
Ix=riaf for �asl� 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
on the front of the statement) At our option, we may wait unlit l the
posting date to add me transaction M the daily balance. The posting
date 6 the doh' we a fill^ process the transaction to your account.
- - Page 3of4
Interest Ch arge Cal
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% $1,624.51 $0.00
Cash 0.00% $286.27 $0.00
Please enter the account number on all checks and correspondence.
Newstimportant Messages etc...
Your account is over the limit by $426.71. 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.
F Account Number: 4707- 8812- 352 9 -4676
S1AlF fAlM
Bank New Balance: $1,926.71
Payment Due by 5PM (ET) on: March 23, 2012
INlURANC� Minimum Payment Due: $1,050.27
Amount Past Due: $534.68
Amount Enclosed: $
STATE FARM BANK
PO BOX 23025
COLUMBUS GA 31902 -3025
Make Check Payableto: STATE FARM BANK®
ANDREA ROCHELLE 1—i Please check box for addressor telephone
500 WALNUT ST APT B3 0019461 change.
LEMOYNE PA 17043 -1575 (Complete form on the reverseside)
4707881235294676 001050276 001926713
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, ' nde' 0
Bank Please Call: Statement Period: 01/27/12 - 02/26/12
N :lANLi 1- 877- SF4- VISA(1 -877- 734 -8472) Account Number: 4707 -8812- 3529 -4676
Additional contact Information Payment Due
located on reverse side. by 5PM (ET) on: March 23, 2012
Summary of Account Activity
Previous Balance: $1,857.83 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: $35.00
Interest Charged: $3 Closing Date: February 26, 2012
New Balance $1,926.71 Number of Days in Cycle: 31
Payment Information -
New Balance: $1,926.71 Minimum Payment Warning: If you make only the minimum
Minimum Payment Due: $1,050.27 payment each period, you will pay more in interest and it will take
Payment Due by 5PM (ET) on: March 23, 2012 I erto p ayoff you balance. For Exam le:
Late Payment Warning: If we do not receive your minimum payment tf you make no You Iiii payoff the And you waN end
by the date and time listed above, you may have to pay a late fee up to edc�donetdl8ryes balanCeslloiwrt on up payirq
$35.00 using tads card this statement in an estimettecltotal
and each month about... of...
You pay...
Only the minimum 5 years $2.836
payment
If you would like information about credit counseling services, call 1- 877 - 734 -8472.
State Farm Dollars® Summary
State Farm Dollars Balance 0.00 Lifetime State Farm Dollars Redeemed 0.00
State Farm Dollars Earned This Cycle 0.00
TOTAL STATE FARM DOLLARS REDEEMABLE 0.00
redeem. -, - Slate Farm Dolls rs yo.i must o a minimum of 50 in your Total State Farm Dollars Redeemable balance and your account must be In good standing
Transactions For: 4707 - 8812 - 3529 -4676
Posting Transaction Reference
Date Date Number D $ Amount
FEES
02 -23 -12 02 -23 -12 LATE PAYMENT FEE $35.00
'TOTAL FEES FOR THIS PERIOD $35.00
INTEREST CHARGED
INTEREST CHARGE - PURCHASES $28.36
F' ea- ells ch,rngo o` address o1 telephone number below.
Address
t State 7.p
Home Phone lr-clude area code, Work Phone (include area code)
To Contact Us Regarding Yo Acc ount
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 most 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 Me Dairy 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 -0094.
and by the number of days in the billing cycle. Then we add all these tthe 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 Documents - 'o
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, B 61702 1327
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 ca orate an 'average daily balance" separately for Purchases either to use information from your check to make a one -time Call as immediately, 24 hours a day, tall -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
,ex acing ry period Balance Transfers, and any special rate offers es, as a check transaction. When we, use information from your check to your Card. You will not be liable for unauthorized use M cc
at ours after
applicable). To get Me "average daily balance" a your account for make an electronic fund transfer, the funds may be withdrawn from you notify us at Me above roll -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 13759-0094, orally or In corking, of the Ikss, 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 liabili will not exceed 550.
period Balance Transfers), Cash Advances, introductory pound 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
Payme nts 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 albration meMOd [hen In effect. Ths gives us the daily Time, Monday through Friday (our central 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. (C redi gives 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, terms, overnight mail, etc) received by us at the address indicated Farm Bank, PO Box 2326, Bloomington, It 61702 2 3 26 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 Me number of including bank holidays, will be credited to your account on the there is no valid dispute or if any such Instrument is mcerved at any
days In Me billing cycle. Thin gives us the "average daily balance' for following bank business day. The credding 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 refse to accept any such
balances include current transactions for Purchases (in cluding Balance instrument by returning it to you, not cashing ,t, or destroying it All
Transfers) and far Cash Advances, except that if the Previous Balance State Farm Dollars® other payments should be sent to the payment address shown an the
your If eligible, you will automatically earn State Farm Dollars in accordance front of this statement
of your account was zero or a credit balance. Purchases posted a
with the terms and conditions disclosed in your State Farm Dollars
o aun e re t during the billing cycle a not included in the daily balances
f Purchases fir, purposes of c a n the interest Charge. Tams 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 yow Account, please
If there s a ',e) 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 t- 877 -593 1879
statement, this means that the rate may vary. The variable APR is the choice by accessing your account online at statefarm core or calling
Prime Rate plus your margin as disclosed in your Credit Cad 1'877 -SF4 -VISA (1 -877- 734 -R Special Rule for Credit Card Purchases
4greenhent anc Disclosure Statement and any amendments) 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
of a lesser amount as disclosed in your credit card agreement, sheet at In Case of Errors or Questions About Your Bill remaining amount due an the goods or service;. You have this
the Minimum Interest Charge has been applied to If you think your bills wrong, or if you need more information about a protection only when the purchase price was more than $50 and the
amended), then
your Account e n t in Me billing cycle. transaction on your bill, write us on a separate sh 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
Possible. We must hear from you no later than 60 days after we sent you thadvertisement services, Hie advertent for the property or ces, all Purchases are
4 transaction nee ,lushest Charge may be imposed on each Cash
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 infomlatbn. Your purchase of the State Farm Bank Credit Protection Program is
optional. The monthly fee for Me State Farm Bank ::redit Protection
Purchases Grace Period 1. Your name and Account number. program is based on your total account statement balance each month
There will nrrt 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 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 item you for any reason by calling or writing State Fain Bank of the program
void an interest charge on Purchases for Me 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 ma rho e Interest on balances few do not have to pay any amount n question wile we are than 60 days delinquent; or (2) at any time and for any reason by
y. — Investigating, ating, but you a still obligated to pay the parts of your loll giving you written notice of cancellation at least 30 rays �n advance.
Me p e b l ahs cycle begi the first a statement t the foll ng _ month bilk that are not in question. Wile we investigate your question we
cycle This tha a you will r e c ei v e cannot report the amount in question as delinquent or take any action There a eligibility requirements, conditions an] exclusions that
(o interest tha accr ued (ran the dosing.date of [he previpus billino re to cdlect me amount you question cond prevent you from receving benefits under the State Farm Bank
cycle until the date of y our payment In f ull was posted to your accou Credit Protection Program. You many find a compete explanation of
To min th amo of this int pay _the entire New Balance If you have authorized us to pay your credit card bill automatically elk,dui ty requirements, conditions, and exclusions it section 3 through
n full immediately upon . receipt of your - monthl _ sta tement. Eadh from your savings or checking account, you can stop the payment on 12 of the State Farm Bank Credit Protection Program Terms and
penatic statement must be mailed o delivered to the consumer not
later than 21 days before the e 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 material.
m
penal for Cash Advances and Balance Transfers reach ill 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 Me 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 Me cat„ we actually process the transaction to your account.
I
Fage 3 of 4
Transactions For: 4707 - 8812 - 3529 -4676
Posting Transaction Reference
Date Date Number Descriptio $ Amount
INTEREST CHARGE -CASH S5.52
TOTAL INTEREST FOR THIS PERIOD $33.88
2012 TOTAL YEAR -TO -DATE
Total Fees Charged in 2012 $70.00
Total Interest Charged in 2012 $66.87
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 24.24% (v) $1,375.77 $28.36
Cash 20.24% (v) $321.05 $5.52
(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 -888- 634 -0012 to make a payment today!
F Account Number: 4707 - 8812 - 3529 -4676
* Ba n k " New Balance: $1,857.83
Payment Due by 5PM (ET) on: February 23, 2012
Minimum Payment Due: $892.51
Amount Past Due: $446.69
Amount Enclosed. $
STATE FARM BANK
PO BOX 23025
COLUMBUS GA 31902 -3025
Make Check Payableto: STATE FARM BANK®
ANDREA ROCHELLE J Please check box for address or telephone
500 WALNUT ST APT B3 ** 0019789 change.
LEMOYNE PA 17043 -1575 (Complete form on the reverseside).
4707881235294676 000892519 001857832
r 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, Nave of 4
R Please Call: Statement Period: 12 111 - 12
1- 877- SF4- VISA(1- 877 - 734 -8472) Account Number: 4707- 88-8812- 3529 -4629-4676
Additional contact Information Payment Due
l ocated on rev erse side. b 5PM (ET) o n: February 23, 2012
Summary of Account Activity
Previous Balance. $1,789.84 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: $3 2.99 Closing Date: January 26. 2012
New Balance $1,857.83 Number of Days in Cycle: 31
Payment Information
New Balance: $1,857.83 Minimum Payment Warning: If you make only the minimum
Minimum Payment Due: $892.51 payment each period, you will pay more in interest and it will take
Payment Due by 5PM (ET) on: February 23, 2012 Ion erto pay off your balance. For Exam le:
Late Payment Warning: If we do not receive your minimum payment If you nuke no You will payoff the And you will end
by the date and time listed above. you may have to pay a late fee up to edditiortatd18rye6 balance shoal on up payk*
S3500 using this card tht statement in an estitttal3ed Ill
and eaO month about.. of...
YOU pay... Only the minimum 5 years $2,808
payment
If you would like information about credit counseling services, call 1- 877 - 734 -8472.
State Farm Dollars® Summary
State Farm Dollars Balance 0.00 Lifetime State Farm Dollars Redeemed 0.00
State Farm Dollars Earned This Cycle 0.00
TOTAL STATE FARM DOLLARS REDEEMABLE 0.00
, edeem —r State Farm Dol an, yo, must have a minimum of 50 in your Total Slate Farm Dollars Redeem,noe balance and your account must be in good standing
Transactions For: 4707 - 8812 - 3529 -4676
Posting Transaction Reference
Date Date Number Description $ Amount
FEES
01 -23 -12 01 -23 -12 LATE PAYMENT FEE $35.00
TOTAL FEES FOR THIS PERIOD $35.00
INTEREST CHARGED
INTEREST CHARGE- PURCHASES $27.56
Please enter change of address or telephone number below.
Address
r state - Zip
I come Phone ( clud. area code; Work Pnone (Include area code)
To Contact Us Regarding Yo Acc ount
). _ ?
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 most pay all or part of your New Balance at any time However, We famish information about your amount to credit bureaus. You have
transaction In the 'Interest Charges' section, we calculate an average
daily balance and multiply It by the Daily Periodic Rate to 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 m 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 acid any transaction fee that applies. This the upper portion of your monthly statement, in the enclosed return
plods us the Interest Charge envelope or to the payment address State Farm Bank, PO Box 23025, Send All Bankruptcy Notices and Domments To.
Columbus, GA 31902 3025. Pay by check or money order, and be sure State Farm Bank, PO Box 2327, Bloomington, 11 1 7F 2 2321
Here Is How We Determine Each Of Your Average Daily to allow sufficient time for your payment m 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 tours a day, toll free at 1 87 -SF4 -VISA
(excluding introductory period Balance Transfers), Cash Advances, electronic fund transfer from your account or to process the payment (1877 -734 -8472) if you suspect the loss, theft or unauthorized use of
i ntroductory period Balance Transfers, and any special ate offers es, as a check transaction. When we use information from your check be your Card You will rot be liable tor 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 fell free number or at Pt] Box 94, Deposit,
each of these types of transactions, we take the beginning balance of your account as soon es the same day we receive your payment and NY 13754 -0094, orally or in writing, of the lass, theft, or possible
your amount each day, add any new Purchases (excluding introductory you will not receive your check back from your financial instiWaon. If unauthorized use. In any case, your liability will rat exceed $50 .
you have any questions about ACH, please call 1- 877 -SF4 -VI5A
period Balance Transfers), Cash Advances, introductory period Balance
(1- 877 -734- 8472). All payments (including phone remits, overnight Payments with Special Handling Instructions
Transfers or order special rate offers (as applicable), and subtract any
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 me 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 !hat you otherwise
balance for each of mere 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 rer0 for pur of ca
kulahng the daily balances.) Thep rernit, overnight mail, etc) received by us at the address indicated Farm Bank, PO Box 2326, Bloomington, IL 6L702-2326. We reserve all
we add all of the dally 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 at the there is no valid dispute or d any such instrument is receved at any
days in the billing cycle. This gives us the "average daily balance" for following bank business day. The credding of payments received in other address, we may accept the instrument and you will still owe
your account for each of these types of transac[lons. The average daily any other manner may be delayed . any remaining balance. Or, we may refuse to accept any such
balances include torten transactions for Purchases (including Balance
i pay n returning it se you, not cas IL cr destroying n All
Transfers ) and for Cash Advances, except that if the Previous Balance State Farm 13.11-8 other payments should bu 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 Stale 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 fish purposes of calculating the Interest Charge. Terms and Condition, Erection, 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 �: J) 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 1-87 -s93 -3879.
stateme ans that the rate may vary
nt, this me. The variable APR is the choice by accessing your account online at slatefarm.com or calling
Prime Rate plus your margin as disclosed h your Credit Ct e 1-877 -SF4 -VISA (1077- 734 -84721 Special Rule for Credit Card Purchases
Agreement and Dls you, Statement and any amendments) thereto. If you have a problem with the quality of goods o- services that you
Billing Rights Summary purchased with a credit card, and you have tried In good faith to
en the Minimum Interest Charge has been applied
If [he INI tRk_51 CHARGED" on the front of your statement is $1.50 cmorrec n the t the problem with the merchant, you may not have to pay the
(oral FNI L amount R disclosed in your f yo hard agreement, as In Case of Errors or Questions About Your Bill eaining amount due o goods or services You have this
m m 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
amended), the
anna Account during the billing cycle. transaction on your bill, write us on a separate sheet at State Farm purchase was made a your home state or within 100 miles of your
your Bank, PO Box 1420, Deposit, New York 13754 -1420 as soon as mailing address. (If we own m operate the merchant, m it 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 Pun has,.
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 Coresponding Annual State Farm Bank Credit Protection Program
Percentage Rates of the Daily Periodic Rates In your letter, give us the following inmrmaton. Your purchase of the State Farm Bank Credit Protection Program is
optional. The monthly fee for We State Farts 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 era multiplied by the unit cost which Is $0.74 per $100. You have the right
statement of your account if you pay me 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 Uue Date shown on the front of this statement. you may 6 an error . If you need more Information, describe the item you for any reason by calling or writing State ht to Bank or the program
void an Interest charge on Purchases for the billing cycle In which are unsure about administrator. State Farm Bank has the right to cartel 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 ma�fhaMe Interest on balances from You do not have be pay any amount in question while we are than 60 days delinquent; or (2) at any time and for any reason by
the pre vious billing _cycle _begnn g the first day of t he 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
that are not in question. While we investigate your question, we
cycle This means you will receive a statement the f ollowing rran[h cannot report the amount in question as del or take any action There are eligibility requirements, conditions and exclusions that
for Int that accrued (ro the closing date of the. p revious billinq m cdlect the amount you tins. could or you from receiving benefits under the State Farm Bank
cycle until . the date o your paym ent In -full w posted ro your acmu y question
the amount of this - i nterest pay th e entire New B alance Credit Protection Program. You many find a compete explanation of
To m i nim ize fete t of your_monfh>� statement. Each If you have author zed us to pay your credit card bill automatically elgib lity requirements, condt ons, and exclus ns sect on 3 through
in n f (all i mize_ t h e ely upon n ll statement must be tl or delivered to the consumer rat 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
pence! 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 fm
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 me automatic payment is scheduled to occur
balance as of the transaction dam (In the "Transaction Date" column
on the front of the statement) At our option, we may wait until the
posing date rr.) add the transaction to the daily balance. The posting
date is the date we actually, process the transaction to your account.
I
Page 3 of 4
Transactions For: 4707 - 8812 - 3529 -4676
Posting Transaction Reference
Date Date Number Description _ _ _ $ Amount
INTEREST CHARGE -CASH $5.43
TOTAL INTEREST FOR THIS PERIOD $32.99
2012 TOTAL YEAR -TO -DATE
Total Fees Charged in 2012 $35.00
Total Interest Charged in 2012 $32.99
I nterest Charge Calcul
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 24.24% (v) $1,336.91 $27.56
Cash 20.24% (v) $315.62 $5.43
(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- 888 - 634 -0012 to make a payment today!
F Account Number: 4707- 8812 - 3529 -4676
New Balance: $1,789.84
Bank Payment Due by 5PM (ET) on: January 23, 2012
Minimum Payment Due: $736.53
Amount Past Due: $365.60
Amount Enclosed: $
STATE FARM BANK
PO BOX 23025
COLUMBUS GA 31902 -3025
Make Check Payableto: STATE FARM BANKS
ANDREA ROCHELLE i Please check boxfor address or telephone
500 WALNUT ST APT B3* 0020005 change.
LEMOYNE PA 17043 -1575 (Complete form on the reverseside).
4707881235294676 000736537 001789844
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 t of 4
clin e Please Call: Statement Period: 111 - 6/11
1-877-SF4-VISA (1 -877-734-8472) Account Number: 4707 - 88128812 - 3529 -29- 4676
Additional contact Information Payment Due
located on r everse side. by 5PM (ET) on: January 23, 2012
. --
Summary of Account Activity
Previous Balance $1,723.75 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: $31.09 Closing Date: December26, 2011
New Balance: $1,789.84 Number of Days in Cycle: 30
Payment Information
New Balance: $1,789.84 Minimum Payment Warning: If you make only the minimum
Minimum Payment Due: $736.53 payment each period, you will pay more in interest and it will take
Payment Due by 5PM (ET) on: January 23, 2012 Ion er to payoff your balance. For Exam le:
Late Payment Warning: If we do not receive your minimum payment If you make no You WIN payoff the And you and
by the date and time listed above. you may have to pay a late fee up to addlMoniafchaMn ballance up
$3500. LmWq ft will the shftment in an Ill
and each month about... of...
You Pay...
Only the minimum l 5 years $2,774
payment
If you would like information about credit counseling services, call 1- 877 - 734 -8472.
State Farm Dollars® Summary
State Farm Dollars Balance 0.00 Lifetime State Farm Dollars Redeemed 0.00
State Farm Dollars Earned This Cycle 0.00
TOTAL STATE FARM DOLLARS REDEEMABLE 0.00
r; - edeem'! r Stato Farm 0,ru s yc., must nave a minimum of 50 in your Total State Farm Dollars Redeemable balance and your account must be. in good standi'ig
Transactions For: 4707 - 8812 - 3529 -4676_
Posting Transaction Reference
Date Date Number S Amount
T FEES
12-23-11 12 -23 -11 LATE PAYMENT FEE $35.00
TOTAL FEES FOR THIS PERIOD $35.00
INTEREST CHARGED
INTEREST CHARGE- PURCHASES $25.92
'lease onto r -ange of address or telephone number below-
Add ess
Ay State Z p
Home Phone (,iclude area code) Work Phone linclude area code)
To Contact Us Regarding Your Account
v �
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 Ceedit 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 eported 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 -0094 .
and by the number of days in the billing cycle. Then we add all these Ne upper portion of your monthly statement, in the enclosed return
products together and we add any transaction fee Nat applies. This enveiope or to the payment address State Farm Bank, PO Box 23025, Send All Bankruptcy Notices and Documents To
caves 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 61 702 2321
Here Is How We Determine Each Of Your Average Daily to allow sufficient time for your payment to ream us by the Payment
Batances: Due Date, When you provide a check as payment, you authorize us Reporting Loss, Theft or Unauthorized Use of Your Card
We cakulate an 'average daily balarce" separately for Purchases either to use information from vow check to make a one -time Call us immediately, 24 hours a day, toll-free it 1877 -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
ntro period Balance Transfers, and any special rate offers es' as a check transaction. When we use information from your check to your Cartl. 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 PfJ Box 94, Deposit,
each of th ese 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, atld 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 550.
Period ea lance 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, overall Payments with Special Handling Instructions
Payments and Credits applied to that type of transaction under the maul, etc) received by us at the payment address by 5:00 D.M. Eastern Any payment Instrument you said us for less than tie full balance due
payment allocation method then in effect. This gives us the tlaie Time, Monday through Friday (our normal business days), will be that is marked "paid in full" a 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, mutt 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 -23 26. We reserve all
we 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 transa add all of the daily balances for the billing cycle ctions and divide the respective totes fo He number of including bank holidays, will be credited to your account on the there s no valid dispute or 9 any such instrument Is received at any by
days in the billing cycle. This gives us the "average daily balance" for fit'l g 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
tran and for Cash Advances, except that if the Previous Balance State Farm Dollars® other payments should be sent to the payment address shown on He
sfers)
Of your account was zero or a credit balance. Purchases posted to your If eligible, you will automatically earn State Fan 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 Earn 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 i 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 167-- 593 -3879
statement, this means that the rate may vary. The variable APR is the choice by accessing your account online at statefarm con or calling
Enme Rate Plus your margin as disclosed in your Credit Card 1 - 877 -SF4 -VISA (t -877- 734 -84721 Special Rule for Condit Card Purchases
Agreement and Disclosure Statement and any amendments) Hereto. If you have a problem with the quality of goals o sees 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
:'nr a lesser amount as disclosed in your credit card agreement, as In Case of Errors or Questions About Your Bill remaining amount due an the goods or services You have this
uendecl me.n 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 durng the billing rycle transaction on your bill, write us on a separate sheet at State Farm purchase was made In your home state a 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 o n 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 1—h—
transaction fee is imposed, me. 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
(here will not be an interest charge on Purchases first posted on this 2. The dollar amount of the suspected era. multiplied by the unit cost which Is $0.74 per $100. You have the right
statement of your account if you pay me entire New Balance by the 3. Describe the error and explain, if you con, why you believe there to cancel Me State Farm Bank Credit Protection "Rim 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
void an Inter are unsure about. administrator. State Farm Bank has the right to car cel the State Farm
est charge on Purchases (or the billing cycle in which
Bank Credit Protection Program if
they are first posted to your Account if that cycle began with a any your ount beco more
previous balance of zero. We may charge . interest on balances from You do not have to pay any amount in question while we are than 60 days del t y - s nquent; or (2) time and for any son by
the previous billing cycle . beginning th first day of the new billin irnestgating, but you are still obligated to pay the pars of your bill giving you written notice of cancellation at least 30 days in advance
cycle This. mean you will receive a stateme the followi month that are not in question. While we investigate your question, we
for interest th accrued from the closi date of the prev billion cannot report the amount in question as delinquent or take any action There are eligibility requirements, midir and exclusions that
c tier until t da te of yggr payment in- was posted to Your acco unt, to collect the amount you questlon. coukt prevent you from receiving benefs under the State Farm Bank
y Credit Protection Program. You many find a compete explanation of
To minimize the amount of_this 'interest pay the engre New - Balance If you have authorized us to pay your credit card bill automatically eligibility requirements, conditions, and exclusions in section 3 through
full mmediatel upo recce_ gfyour_rrro Hly sta tement. Each from
your savings or checking account you can stop the payment on 12 of He State Farm Bank Credit Protection Program Terms and per odic statement must be mailed or delivered ro the consumer riot any amount you think is wrong. To stop the payment your letter most Conditions that will be included with your fulfillment matenas.
peer than 21 days before the payment due date There Is no grace
Imrioil to Gds' Advances and Balance Transfers reach three business days before He automatic payment 5
scheduled d ro =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, Crash Advances and other debits are added to the daily business days before the automatic payment Is scheduled to occur
Valance as of the transaction date (in the'Transiction 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: 4707 -8812- 3529 -4676
Posting Transaction Reference
Date Date Number Description $ Amount
INTEREST CHARGE -CASH $517
TOTAL INTEREST FOR THIS PERIOD $31.09
I
2011 TOTAL YEAR-TO-DATE
Total Fees Charged in 2011 $280.00
Total Interest Charged in 2011 $353.38
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 24.24% (v) $1,299.08 $25.92
Cash 20.24% (v) $310.45 $5.17
(v) = Variable Rate
Please enter the account number on all checks and correspondence.
News /Important Messages etc...
Your State Farm BankO 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- 888 - 634 -0012 to resolve the serious delinquent status of your account_
Account Number: 4707 -8812- 3529 -4676
[ � New Balance: $'1,723.75
Payment Due by 5PM (ET) on: December 23, 2011
Minimum Payment Due: $589.35
Amount Past Due: $284.34
I
Amount Enclosed: $
STATE FARM BANK
PO BOX 23025
COLUMBUS GA 31902 -3025
Make Check Payableto: STATE FARM BANK®
ANDREA ROCHELLE i I Please check box for address or telephone
500 WALNUT ST APT B3 * 0020D32 change.
LEMOYNE PA 17043 -1575 (Completeform on the reverseside).
4707881235294676 000589358 001723754
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 a
e Please Call: Statement Period: 10 6/11
1-8 77-SF4-VISA (1 -877-734-8472) Account Number: 4707 -8812-8812 - 3529 -29- 4676
.......... Additional contact Information Payment Due
located on r side. by 5PM (ET) on: December 23, 2011
Summary of Account Activity
Previous Balance: $1,657.49 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: $ Closing Date: November26, 2011
New Balance: $1,723.75 Number of Days in Cycle: 31
Payment Information
New Balance: $1,723.75 Minimum Payment Warning: If you make only the minimum
Minimum Payment Due: $589.35 payment each period, you will pay more in interest and it will take
Payment Due by 5PM (ET) on: December 23, 2011 Ion erto pay off your balance. For Exam le:
Late Payment Warning: If we do not receive your minimum payment If you nuke no You will payoff the And you wiV end
by the date and time listed above. you may have to pay a late fee up to addftkmWchvW batenGeshmn on up Paoli
$35.00 using Eris card this statement In an estlirmil ltDtal
and each month abort... of...
You pay...
Only the minimum 5 years $2, ?34
payment i
If you would like information about credit counseling services, call 1- 877 - 734 -8472.
State Farm Dollars® Summary
State Farm Dollars Balance 0.00 Lifetime State Farm Dollars Redeemed 0.00
State Farm Dollars Earned This Cycle 0.00
TOTAL STATE FARM DOLLARS REDEEMABLE 0.00
deem v r Stare Farm Do ears yo., must have a - -imum of 50 in your Total State Farm Dollars Redeemable balance and your account must be in good standing
Transactions For: 4707 - 8812 - 3529 -4676
Posting Transaction Reference
Date Date Number Des cription S Amount
- FEES
11 -23 -11 11 -23 -11 LATE PAYMENT FEE $35.00
TOTAL FEES FOR THIS PERIOD $35.00
INT ERE S T CHARGED
INTEREST CHARGE - PURCHASES $26.01
Please enter change of address or telephone number below
Address
;I, State Zip
dome Phone include 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.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 oureaus. 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 Dairy 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 11754 0094
prod by the number of days in the billing cycle. Then add all these the upper potion of your monthly statement, in the enclosed return
products together aril we add any transaction fee thaat t 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, 11 61702 2327
Here Is How We Determine Each of Your Average Daily 10 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 infomna[ion from your check to make a one Call us immediately, 24 hours a day, toll -free at 1- 877 -SF9 -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 '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 recerve 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 'nstitation. If unauthorized use In any case, your IWblllty will not exceed 450.
period Balance Transfers), Cash Advances, introductory period Balance you have any questions about ACE, please call 1 -877 -o ^VISA
Transfers or omer special rate offers (as applicable), and subtract any (1- 877 -734- 8472)' All payments (including phone remits, v r ight Payments with Special Handling Instructions
Payments and Credits applied to that type of transaction under the mad, etc) received by us at the payment address by 5 00 P.M. Eastern Any payment instrument you send us for less than the rod balance due
payment allocation method then in effect. Ths 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, most 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
e 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 coaching 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 dBtroying 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 stiown 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 Faun Dollars
of Purchases for purposes of calculating the Interest Charge. Terms and Conditions brodhure on purchases you make with your Service for the Hearing Impaired (TDDITYY)
State Farm Bank Visa Card. Once yen 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 h 877 -593 -3879.
statement, this means that the rate may vary . The variable APR 6 the choice by accessing your account online at st,tefarm.com. or paling
Prime Rate plus your margin as disclosed in your Credit Card 1-877SF4 -VISA T -877- 734 -8472} Special Rule for Credit Card Purchases
Agreement and Disclosure Statement and any arrhendment(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 it good call to
If the "INTEREST CHARGED' on the boar of your statement is $1.50 correct the problem with the merchant, you may not have to pay the
a lesser amount as disclosed in your credit Lard agreement as In Case of Errors or Questions About Your Bill remaining amount due on the goods or service;. You have this
m entled), them the Minimum Interest Charge has been applied to If you think your bill a 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 atldress. (If we own or operate the merchant, or if we mailed
A eansaction 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 ran 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 right, .
me belling yce may be greater man any of the Corresponding Annual State Farm Bank Credit Protection Program
th
Percentage Roles of me Daily Periodic Rates In your letter, give us e following infom
ration: 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 be an interest charge on Purchases first posted on this 2. The dollar amount of the suspected erro. 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 by the 3. Describe me 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 char. 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 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 wit h a Bank Credit Protection Program if. (1) your account becomes more
p balanc f o. We gr charge Interest on balances I a You do not have to pay any amount in question while we are than 60 days delinquent; or (2) at any time and br any reason by
the p ev ous.. bill rig cycle beg n ny the. first of the new , billno enves[igating, but you are still obligated to pay the parts of your bill giving you written notice of cancellation at least 30 pays it advance.
cycle Ths_meansyou will re<e e a statemen tith folbwng boom that are not in question. While we investigate your question, we
for me est Nat a a ed from tin losing date f the pr billing cannot report the amount in question as delinquent or take any action There are eligibility requirements, contletions, ant exclusions that
cycle along th e date ofYour in was ted uld le our account to collect the amount you question. co prevent you from receiving benefits under the hate Farm Bank
! - -� Credit Protection Program. You many find a comice a explanation of
To m inimize th 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 it section 3 through
In -full - mned_
riately - _yQoIt reciptt _ of your monthly statement. Each from your savings or checking account, you can stop the payment on 12 of the State Farm Bank Credit Protection Program Terms all
periodic statement must be moped a or nt due date Th em delivered to t h e consumer trot any amount you think is wrong. To stop the payment, your letter must Conditions that will be included with your fulfillment natenak.
Weer than 21 days before the payme. ere is no grace reach us three business days before the automatic payment is
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 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 (en the 'Transaction Date" column
on the front of the statement) At our option, we may wait unfit the
posting date to add the transaction to the daily balance. The posting
date is the dab= we Bctually process me transaction to your account.
Page 3 of 4
Transactions For: 4707 -8812- 3529 -4676
Posting Transaction Reference
Date Date Number D escription $ Amount
INTEREST CHARGE -CASH $5.25
TOTAL INTEREST FOR THIS PERIOD $31.26
I I
2011 TOTAL YEAR -TO -DA
Total Fees Charged in 2011 $245.00
Total Interest Charged in 2011 $322.29
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 24.24% (v) $1,261.62 $26.01
Cash 20.24% (v) $305.20 $5.25
(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 departmentwill continue to contact you
for payment. Please call us today at 1- 888 - 634 -0012 to make payment arrangements or confirm previous payment arrangements.
Account Number: 4707- 8812- 3529 -4676
Iff 'r oft 6TATE G�tM
New Balance: $1,657.49
B"Onk Payment Due by 5PM (ET) on: November 23, 2011
Minimum Payment Due: $441.83
Amount Past Due: $204.92
Amount Enclosed: $
STATE FARM BANK
PO BOX 23025
COLUMBUS GA 31902 -3025
Make Check Payableto: STATE FARM BANK®
ANDREA ROCHELLE I Please check box for address or telephone
500 WALNUT ST APT B3 ** 0020262 change.
LEMOYNE PA 17043 -1575 (Complete form on the reverse side).
4707881235294676 000441837 001657497
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, ''aye' of 4
Ban t Please Call: Statement Period: 09/ - 2 6/11
r ..... 1- 877- SF4- VISA(1877- 734 -8472) Account Number: 4707 -8812- 3529- 9 -4676
Additional contact Information Payment Due
located on reverse side. by 5PM (ET) o n: November23, 2011
Summary of Account Activity
Previous Balance: $1,593.07 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: $29.42 Closing Date: October 26, 2011
New Balance: $1,657.49 Number of Days in Cycle: 30
Payment Information
New Balance: $1,657.49 Minimum Payment Warning: If you make only the minimum
Minimum Payment Due: $441.83 payment each period, you will pay more in interest and it will take
Payment Due by 5PM (ET) on: November 23, 2011 longer to pay off your balance. For Exam le:
Late Payment Warning: If we do not receive your minimum payment M you make no You vA ply off the And you wiNj end
by the date and time listed above, you may have to pay a late fee up to j additnatc halign belanceshown on up
S3500 using 1* card this sUMIliment in an estlimWeillIllotal
and eadl month about... Of...
You pay...
Only the minimum 5 years $2,700
payment
If you would like information about credit counseling services, call 1- 877 - 734 -8472.
State Farm Dollars® Summary
State Farm Dollars Balance 51.11 Lifetime State Farm Dollars Redeemed 0.00
State Farm Dollars Earned This Cycle 0.00
TOTAL STATE FARM DOLLARS REDEEMABLE 51.11
u redeem. v , - State Farm Dollars yo , must gave a minimum of 50 in your Total State Farm Dollars Redl balance and your account must be 9 good standing
Transactions For: 4707 - 8812 - 3529 -4676
Posting Transaction Reference
Date Date Number _ $ Amount
FEES
10 -24 -1 1 10 -24 -11 LATE PAYMENT FEE $35.00
TOTAL FEES FOR THIS PERIOD $35.00
INTEREST C HARGED
INTEREST CHARGE- PURCHASES S24.42
Please ante change of address or telephone number below.
Address
State Zip
Home Phone ( .9clude 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.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" , we Making Payments Disputing Account Information Reported to Credit Bureaus:
c For each type of You mo all or pa rt of our New Balance at an time. However, We furnish information about
transaction In the "Interest Charges" section, we calculate an average Y t PaY Pa Y Y your account to Credit oureaus. You have
dally 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 infomlatio f 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 the upper portion of your monthly statement, in the enclosed return
Cu 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, II 617C2 2321
Here Is How We Determine Each Of Your Average Daily to allow sufficient tlme 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 w1culate an "average daily balance" separately for Purchases either to use information from your check to make a one -time Call us immediately, 24 lours a day, toll -free it 1- 877 -SF4 -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, 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 rot 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 act 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 Cmdis applied to that type of transaction under the —1, 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, must be sent to State
treated as zero for purposes of calculating the daily bala nces.) Then, remits, wemight mail, etc) received by us at the address indicated Farm Bank, PO Box 2326, Bloomington, IL 61702 We reserve all
w e add all of the daily balances for the bill 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 ft is determined
types of transactions and divide the respective totals by the number of inc 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. The gives us the "average daily balance' for following bank business day. The crediting of payments received in other address, we may accept the instroment 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, o 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 al 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 (TDDrTYY)
State Farm Bank Visa Card. Once you earn 50 State Farm Dollars, you For any questions or other Communications about yoj? Account, please
If 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- 877 -593 -3879
statement, this means that the rate may vary. The variable APR is the choice by accessing your account online at statefarm com or calling
Prime Rate plus your margin as dlscosed in your Credit Card 1 -877 -SF4 -VISA (1-877- 734 -84721 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 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 net 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 service;. You have this
mended), then me 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 $50 and the
your Account durng 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 o n 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 win 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 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 firs[ 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 by the 3 Describe the error and explain, if you ran, 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 wri ing 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
previews balance of zero. We may - _cha 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 and 'or any reason by
the p v as_billing Cycl beg nn no the first d ay cl Abe_ 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 Th's_m ,,
ea, af ll re
.wiceive a statement the follow rig month that are not 0 question. While we investigate your question, we
for interest . that accr u ed_ from the closing date of the ca nnot report the amount in question as delinquent or take any action There are eligibility requirements, conditions, and exclusions that
"Cie until the date_of�ro 0 ment in -full was Posted to Your account ro cdltt[ the amount you question. could prevent you from receiving benefRS under the Stale Farm Bank
To minimize the amount of this interest, oav the entire New Balance Credit Protection Program. You many find a corm lie explanation of
In full mmediately _ upon race of of your monthly _ statement. Each If you have authorized us to pay your credit card bill automatically eligibility requirements, conditions, and exclusions in section 3 through
per odic statement must be mated or delivered [o the consumer rot from Your savings or checking account, you can stop the payment on 12 of the State Farm Bank Credit Protection Prcgram 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 yonr fulfillment material.
;mod for Cash Advances and Balance Transfers reach us three business days before the automatic payment is
scheduled tg 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 oast 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
rah 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 a<tually pmC rue transaction to your account
Rage 3 of 4
Transactions For: 4707 - 8812 - 3529 -4676
Posting Transaction Reference
Date D_ ate Number Description $ Amount
INTEREST CHARGE -CASH $5.00
TOTAL INTEREST FOR THIS PERIOD $29.42
20,111 TOTAL YEAR -TO -DATE
Total Fees Charged in 2011 $210.00
Total Interest Charged in 2011 $291.03
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 24.24% (v) $1,224.13 $24.42
Cash 20.24% (v) $300.20 $5.00
(v) = Variable Rate
Please enter the account number on all checks and correspondence.
News /Important 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- 888 - 634 -0012 to make payment arrangements.
Account Number: 4707- 8812 -3529 -4676
ff [ #JBanjf a New Balance: $1,593.07
Payment Due by 5PM (ET) on: October 23, 2011
Minimum Payment Due: $297.99
Amount Past Due: S124.34
Amount Enclosed: $
STATE FARM BANK
PO BOX 23025
COLUMBUS GA 31902 -3025
Make Check Payableto: STATE FARM BANK®
ANDREA ROCHELLE I Please check box for addressor telephone
500 WALNUT ST APT B3 0020622 change.
LEMOYNE PA 17043 -1575 (Complete form on the reversesde).
4707881235294676 000297994 001593074
r 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 t of 4
! Please Call: Statement Period: 08/27/11 - 09126/11
,,,,Ddnk 1- 877- SF4- VISA(1- 877 - 734 -8472) Account Number: 4707 - 8812- 3529 -4676
Additional contact Information Payment Due
located on reve rse side. by 5PM (ET) on: October 23, 2011
Summary of Account Activity
Previous Balance. $1,527.49 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: $30.58 Closing Date: September26 2011
New Balance $1,593.07 Number of Days in Cycle 31
Payment Information
New Balance: $1,593.07 Minimum Payment Warning: If you make only the minimum
Minimum Payment Due: $297.99 payment each period, you will pay more in interest and it will take
Payment Due by 5PM (ET) on: October 23, 2011 longer to pay off your bala For Exa le: _
Late Payment Warning: If we do not receive your minimum payment If you make no You will pay off the And you wiillend
by the date and time listed above, you may have to pay a late fee up to addidonatdtatges baWnceshown on up pal
$35.00 using this card this stalernent in an estimelsdtDtai
and each month about.. of...
You pay...
Only the minimum 5 years $2,662
payment
If you would like information about credit counseling services, call 1- 877 - 734 -8472.
State Farm Dollars® Summary
State Farm Dollars Balance 51.11 Lifetime State Farm Dollars Redeemed 0.00
State Farm Dollars Earned This Cycle 0.00
TOTAL STATE FARM DOLLARS REDEEMABLE 51.11
-=deem , Slate Farm Do lars you must have a minimum of 50,n your Total State Farm Dollars Redeemable balance and your account must oe ,n good standing
Transactions For: 4707 -8812- 3529 -4676
Posting Transaction Reference I
Date Date Number Des cription $ Amount
FEE
09 -23 -11 C19 -23 -11 LATE PAYMENT FEE $35.00
TOTAL FEES FOR THIS PERIOD $35.00
I NTEREST CH
INTEREST CHARGE- PURCHASES $25.50
Please enter c range o' address or telephone number below
Address
CIN _ - - -- - - State Zip
Home Phone Include area co del Work Phone (include area code)
To Contact Us Regarding Your Account
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 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 a all or p art of New Balance at an time. However , We fumsh information about
transaction in the "Interest Charges" section, we calculate an average You must p ay Pa your y , 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 :Boomed 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 the upper portion of your monthly statement, in the enclosed return
curves its 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 Pay by check or money order, and be sure State Farm Bank, PO Box 2327, Bloomington, II 51702 2327
Here Is How We Determine Each Of Your Average Daily to allow sufhcient 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 it 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) N you suspect the loss, theft Or unauthorized use of
introductory period Balance Transfers, and any special rate offers (as as a check transa use transaction. When we use information from your check to your Card. You will not be liable for unauthorized e 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 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 all method then in effect. This gives us the daily Time, Monday through Friday (our normal business days), will be that s marked "paid in full" or smilar notation, or chat 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 23 26. 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 me number of including bank holidays, will ue credited m your account on the there s no valid dispute or If any such instrument is receved at any
days in me 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 transachom 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® Omer payments should be sent to the payment addess 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 (TDDrTYY)
State Farm Bank Visa Card. Once you earn 50 State Farm Dollars, you For any questions or other communications about you, Account, please
It 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 1877 593.3879
statement, this means that the rate may vary. The variable APR s the choice by accessing your account online at souefarm coon or calling
Prime Rate plus your margin as disclosed in your Credit Card 1-977- SF4 -VISA (1 -877- 734 -8472} Special Rule for Credit Card Purchases
Agreement and Disclosure Statement and any anneudment(s) thereto. If you have a problem with the quality of goods of services that you
Billing Rights Summary purchased with a credit card, and you have tried :n good faith to
If the 'INTER[ST 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
m
aended), 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 thar $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 services, all Purchases are
Advance, Convenience Check and Balance Transfer. If such a you the Most 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
me billing cycle may be greater than any of the Corresponding Annual State Farm Bank Credit Protection Program
e, centage 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 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 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 6 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 ace unsure about. administrator State Farm Bank has the right to cancel the State Farm
they are first posted [o your Account if that cycle began with a Bank Credit Protection Program if'. (1) your account becomes more
previous balance posted zero . yo may un if interest le balances than You do not have m pay any amount in question while we are than 60 days delinquent, or (2) at any time and nor any reason by
the prevlous_bi(in cycle beginning the. first d� pf�_ new billino invesbga[ing, but you are still obligated to pay me parts of your bell giving you written notice of cancellation at least 30 coats in. advance.
cycle This means ynq wild receive a statemen the following pt�ntle that are not in question. While we investigate your question, we
for interest "I accr from the closi 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 u ntil the date a1poirpaymen5 Ini was posted to your account ro collect me amount you question could prevent you from receiving benefits under the State Farm Bank
Tom mom_ th unt of m s 'Meres pay th [ir New Balance Credit Protection Program. You many find a complete explanation of
in full immediately pon . receipt of Your mon thly sta tement._ Each If you have authorized us to pay your vedR ford bill automatically eligibility requirements, conditions, and exclusions it section 3 through
periodic statement must be mailed or delivered in the consumer Trot tram your savings or checking account, you can stop the payment on 12 of the State Farm Bank Credit Protection Program Terms and
later than 2 t 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 materot,
perk! for Cast Advances and Balance Transfers reach us three business days before the automatic payment s
scheduled to Orccur. 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 W occur
balance as of the transaction date (in the 'Transactpn Date' column
on the front of the statement) At our option, we may wait until the
ensting date to add the transaction to the daily balance. The posting
late is the gam we a_ process the transaction to your account.
F'at'e 3 of 4
Transactions For: 4707 - 8812 - 3529 -4676
Posting Transaction Reference
Date Date Number Descr _ _ S Amount
INTEREST CHARGE - CASH $5.08
TOTAL INTEREST FOR THIS PERIOD $30.58
2011 TOTAL YEAR -TO -DAT
Total Fees Charged in 2011 $175.00
Total Interest Charged in 2011 $261.61
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 24.24% (v) $1,236.88 $25.50
Cash 20.24% (v) $295.12 $5.08
(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 envelopetoday. If you cannot send
the payment today, please contact us at 1- 888 - 634 -0012.
Account Number: 4707- 8812 -3529 -4676
[*Banlw New Balance: $1,527.49
Payment Due by 5PM (ET) on: September 23, 2011
Minimum Payment Due: $151.83
Amount Past Due: $44.10
Amount Enclosed: $
STATE FARM BANK
PO BOX 23025
COLUMBUS GA 31902 -3025
Make Check Payableto STATE FARM BANKS
ANDREA ROCHELLE I Please check box for address cr telephone
500 WALNUT ST APT B3 * 008D728 change.
LEMOYNE PA 17043 -1575 (Complete form on the reverse side).
4707881235294676 000151837 001527495
r 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 a
s Please Call: Statement Period: 07/271 - 08126!11
" ..... . - Bank
1- 877- SF4- VISA(1- 877 - 734.8472) Account Number: 4707 - 881:!- 3529 -4676
Additional contact Information Payment Due
located on reverse side. by 5PM (ET) on September 23, 2011
Summary of Account Activity
Previous Balance: $1,462.25 Total Credit Limit: $1,500.00
Payments & Credits: $0.00 Available Credit Limit: $0.00
Purchases & Other Charges: $0.00 Cash Advance Limit: $750.00
Cash Advances: $0.00 AvailableCash Advance Limit: $0.00
Fees Charged: $35.00
Interest Charged: $30.24 Closing Date: August 26, 2011
New Balance: $1,527.49 Number of Days in Cycle: 31
Payment Information
New Balance: $1,527.49 Minimum Payment Warning: If you make only the minimum
Minimum Payment Due: $151.83 payment each period, you will pay more in interest and it will take
Payment Due by 5PM (ET) on: September 23, 2011 Ion erto payoff your balance. For Exam le:
Late Payment Warning: If we do not receive your minimum payment If you make no You wM payoff the And you w1) end
by the date and time listed above, you may have to pay a late fee up to additionaidwges belance shown on up p""
$3500 using this card this slallarrlent lin an eatimstedtotal
and each north about... of...
You pay...
Only the minimum 5 years $2,623
payment
If you would like information about credit counseling services, call 1- 877 - 734 -8472.
State Farm Dollars® Summary
State Farm Dollars Balance 66.68 Lifetime State Farm Dollars Redeemed 0.00
State Farm Dollars Earned This Cycle 0.00
TOTAL STATE FARM DOLLARS REDEEMABLE 66.68
I -edeem -, ,State Farm Do'lars you must vave a minimum of 50 iu your Total Stale Farm Dollars Redeemable balance and your account must be in good standllg
Transactions For: 4707 - 8812 - 3529 -4676
Posting Transaction Reference
Date Date Number Descript $ Amount
FEE
08 -23 -11 08 -23 -11 LATE PAYMENT FEE $35.00
TOTAL FEES FOR THIS PERIOD $35.00
INTERES CHAR
INTEREST CHARGE- PURCHASES $24.28
Please eater change of address or telephone number below.
Address
Coy State Zip
Home Prone ! ncl;,de area code) Work Phone (include area code)
To Contact Us Regarding Your Account
L
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.sta_te_farm.co_ m
Espanol 1- 877- 734 -8472 Deposit, New York 13754 -0087 Columbus, Ga 319023025
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:
vour statement has a Interest Charges" section. For each type of you most pay all or part of your New Balance at any Bme. However, We furnish information about your account to credit bureaus. You have
transaction m me "Interest Charges" section, we R to, 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 an multiply it by me Daily cyc is 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 0091 .
and by the number of day, 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 the or to the payment address State Fans Bank, PO Box 23025, Send All Bankruptcy Notices and Documents to
wives us me Interest Charge. Columbus, GA 31902 -3025. Pay by check or money order, and be sure State Farm Bank, PO Box 2327. Bloomington, II 61 702 2
Here is How We Determine Each Of Your Average Daily to allow sufficient time for your payment m reach as 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 fours 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, 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 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 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 wrong, 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 ave any questions about ACH, please call 1- 877 -SF4 -VISA
Transfers or other special rate offers (as applicable), and subtract any (1- 877 h -734- 8472). All payment (including phone recoil, overnight Payments with Special Handling Instructions
Payments arhd Credi6 applied to that type of transaction under the rail, etc) received by us at the payment address by 5:00 P.M. Eastern Any payment instrument you send us for less than tie full balance due
payment allocation method then in effect. Ths gives us the daily Time, Monday through Friday (our normal business days), will be that is marked "paid in full" or similar notation, or mat 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, most be sent to State
treated as zero for purposes of calculating the daily balances.) Then, remit, 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, It it is determined
types of transactions and divide the respective total by the number of mclutlng bank holidays, will be credited to your account on the there s no valid dispute or h any such instrument is received at any
days in the billing cycle This gives us the "average daily balance" for follow bank business will 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
State Fa
Transfers ) and for Cash Advances, except that if the Previous Balance rm Dollars® Omer payments should be sent to the payment address shown on me
of your account was zero or a credit balance. Purchases posted ro 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 (TDDrll
State Farm Bank Visa Card. Once you earn 50 State Farm Dollars, you For any questions or other communications about ycu. Amount, please
II there is a �v) next to me 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 -87, - 593 -3879.
statement, this means that the rate may vary. The variable APR is the choice by accessing your account online al statefarm coon or calling
Prime Rate olus your margin as disclosed in your Credit Card 1-877 -SF4 -VISA (1-877 -734 -84721 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 services that you
Billing Rights Summary purchased with a credit card, and you have triec in goad faith to
tf 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 s wrong, or if you need more information about a protection only when the purchase price was more man $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 I we mailed
A transaction fee Interest Charge may be imposed o each Cash possible. We must hear from you no later than 60 days after we sent you me 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 punhase.
transaction fee Is Imposed, the resulting Annual Percentage Rate for telephone us, but doing so will not preserve your rig hts.
the billing cycle. may be greater than any of the Corresponding Annual State Farm Bank Credit Protection Program
ILetter,
Percentage Rates of the Daily Periodic Rates. n your leer gve us me following Information: Your purchase of the State Farts Bank Credit protection Program s
optional. The monthly fee for the State Farm Ban{. Credit Protection
Purchases Grace Period 1. Your name and Account numbei program is based on your total account statement hdance each month
There will not be an interest charge an 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 by the 3. Desenbe 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 ;hown on the front of this statement. You may is an error. If you need more information, describe the hem you for any reason by calling or writing State Farm Bar* or the program
avoid an interest charge on Purchases for the billing cycle In which are unsure about. administrator, State Farm Bad, has the. right to can_eI 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 may cha int erest on halances. from You do not have to pay any amount in question whsle we are than 60 days delinquent; or (2) at any time and for any reason by
the prevvieus billing .cycle began ng the_first ell the new billino investigating, but you are still obligated to pay the parts of your bill giving you written notice of cancellation at least 30 nays m advance.
cycle This me ans .� will rece ne.a s tatement th e -follow nth "month that are not in question. While we investigate your question, we
fof. m erest th a ccrued ill r ec eiv closing date of the previ ¢nth cannot report the amount in question as delinquent Or take any action There are eligibility requirements, conditions, and exclusions that
. the da
cyc le untilte_of lro oavment 'n -full was posted [o vour account to collect me amount you question. cock] prevent you from receiving benefits under the State Farm Bank
To minimize the amount of t interes pay the entire New Balance Credit Protection Program. You many find a complete explanation of
in full imm ediately won_. rec pt- (y. ur_ .m onthly - statement. Each If you have authorized us to pay your credit card bill automatically eligibility requirements, conditions, and exclusions it : section 3 through
periodic st must be mailed or delivered to the consumer but trap 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 material.
period! for Cash Advances and Balance Tra nsfers. 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 me daily business days before the automatic payment is scheduled to occur
valance as of me transaction date (in the 'Transaction Date" column
urn the from of the statement) At our option, we may wait arml the
posting date to add the transaction to me daily balance. The posting
date s the dash we actually prraress tie transaction to your account.
Page 3 of 4
Transactions For: 4707 - 8812 - 3529 -4676
Posting Transaction Reference
Date Date Number Descr�tion S Amount
INTEREST CHARGE -CASH $5.96
TOTAL INTEREST FOR THIS PERIOD $30.24
2011 TOTAL YEAR -TO -DAT
Total Fees Charged in 2011 $140.00
Total Interest Charged in 2011 $231.03
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 24.24% (v) $1,177.60 $24.28
Cash 24.24% (v) $289.16 $5.96
(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: 4707 -8812- 3529 -4676
E}ATE iRIM
New Balance: $1,462.25
Ddnk Payment Due by 5PM (ET) on: August 23, 2011
INlURANEI� Minimum Payment Due: $44.10
Amount Enclosed: $
STATE FARM BANK
PO BOX 23025
COLUMBUS GA 31902 -3025
Make Check Payableto: STATE FARM BANK®
I Enroll me in Credit Protection
ANDREA ROCHELLE (See back for details). ;initial)
500 WALNUT ST APT B3 K 0023988 Please check box for address or telephone
LEMOYNE PA 17043 -1575 change.
(Complete form on the reverse side)
4707881235294676 000044106 001462250
- Detach here Please make check payable to STATE FARM BANK and send with this remittance slip in the enclosed envelop=
For 24 Hour Good Neighbor Service, N, 1 of 4
an k, Please Call: Statement Period: 06/27/11 - 07126/11
1- 877- SF4- VISA(1- 877 - 734 -8472) Account Number: 4707- 8812 -3529 -4676
Additional contact Information Payment Due
located on reverse side. by 5PM (ET) on: August 23, 2011
Summary of Account Activity
Previous Balance: $1 Total Credit Limit: $1,500.00
Payments & Credits: $105.00 Available Credit Limit: $37.75
Purchases & Other Charges: $0.00 Cash Advance Limit: $300.00
Cash Advances $0.00 Available Cash Advance Limit: $10.00
Fees Charged: $0.00
Interest Charged: $29.10 Closing Date: July 26, 2011
New Balance: $1,462.25 Number of Days in Cycle: 30
Payment Information
New Balance: $1,462.25 Minimum Payment Warning: If you make only the minimum
Minimum Payment Due: $44.10 payment each period, you will pay more in interest and it will take
Payment Due by 5PM (ET) on: August 23, 2011 l onger to pay off your balance. For Exam le:
Late Payment Warning: If we do not receive your minimum payment N you make no You will pay off the And you wf *d
by the date and time listed above, you may have to pay a late fee up to addWrIalchw9es batilmImshow n an UP
$35.00 Le tp this cwd this statement in an w-tgl
and each month about.. of...
YOU pay...
Only the minimum : 5 years $2,585
payment
$57 3 years $2,052
(Savings = $533)
If you would like information about credit counseling services, call 1- 877 - 734 -8472.
State Farm Dollars(R) Summary
State Farm Dollars Balance 66.68 Lifetime State Farm Dollars Redeemed 0.00
State Farm Dollars Earned This Cycle 0.00
TOTAL STATE FARM DOLLARS REDEEMABLE 66.68
T, 'edeem y nu State Farm Do lays you must nave a minimum o150 in your Total State Farm Dollars Redeemable balance and your account must be in good standing
Transactions For: 4707 - 8812 - 3529 -4676
Posting Transaction Reference
Date Date Number I De $ Amount
P A CRE DITS
06 -28 -11 06 -28 -11 7068 PAYMENT RECEIVED -- THANK YOU $40.00 CR
06 -29 -11 06 -29 -11 7724 PAYMENT RECEIVED -- THANK YOU $20.00 CR
06 -30 -11 06 -30 -11 1930 PAYMENT RECEIVED -- THANK YOU $20.00 CR
07 -22 -11 07 -22 -11 6945 PAYMENT RECEIVED -- THANK YOU $25.00 CR
INTEREST CHARGED
INTEREST CHARGE - PURCHASES S2344
Please ente- change of address or telephone number below.
Address
C t) State Zip
Home Phone ( nclude area code I Work Phone (include area code)
To Contact Us Regarding Your Account
Z A
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 fumsh information about your account to credit 5ureaus You have
transaction in the "Interest Charges" section, we calculate for that balance 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 te for 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
and by the number of days in the billing cycle. Then at 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 Norres 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, II 61702 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 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, 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 m your Card. You will rot be liable for unauthorized use that occurs after
applicable) Ta 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 Mh 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 net 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 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 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 s marked "paid n 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 rghts regarding such instruments For example, if k is determined
types of transactions and drum the respective Ntas by die 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 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 ;noon 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 me 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 AccounC please
It there s a V) next. in 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 statedarm.com or calling
Prime Rate plus Your margin as disclosed In your Credd Card 1- 877 -SF4 -VISA (1- 877 - 734 -8472) Special Rule for Credit Card Purchases
Agreement and D- losure Statement and any amendrment(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
0 the "INTERE'.il CHARGED' on the front of your statement Is $1.50 correct the problem with the merchant, you may nct have to pay the
a lesser amount as disclosed in your credit card agreement, as In Case of Errors or Questions About Vour Bill remaining amount due on the goods or service.. You have this
amended), men 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 S
when the purchase price more than $50 and the
your Account during the b m
illing cycle. transaction on your bill, write us on a separate sheet at State Farm purchase was made in your hoe state or within 100 miles of your
Bank, PO Box 1420, Deposit, New York 13754 -1420 as soon as trading address. (If we own or operate the merchart, or if we mailed
A transaction tee 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, an Vurchases 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 informatnn Your purchase of the State Farm Bank Credit Bank e d Program is
optional. The monthly fee for the State Farm Bank Credit Protection
Purchases Grace Period I. Your name and Account number. program is based on your total account statement balance each month
There will cwt he 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 pet $100. "ou have the right
statenwnt 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 Prcgram at any time
Payment Due Date shown on the front of this statement You may 6 an error. If you need more information, describe the item you for any reason by calling or writing State Farm Bank or the program
void a interest charge n Purchases for the talking cycle in which are unsure about. administrator. State Farm Bank has the right to cancel the State Farm
they are first posted t o your Account if that cycle began with a Bank Credit Protection Program if (I; your account becomes more
previous balance zero. We Account if interest l balances from You do not have to pay any amount in quesbon while we are than 60 days delinquent; or (2) at any time and in, any reason by
he La eviows billing_ cv le beginnng the first day 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 :dvance.
Th mean -w_II receive a statement the follo wing month that are not in question. While we investigate your question, we
for interest that accr ued from the closing dale of the p revious billing cannot report Me amount in question as delinquent or take any action There a eligibility requirements, conditions, and exclusions that
ycle untll_tne Oat, of Your payment in-fulf wasposte [o Vour account to cdlect the amount you question. could prevent you from receiving benefits under the State Farm Bank
To mi nimiz e . the amountof thi interest pa v tie en tire New Balance Credit Protection Program. You many find a complete explanation of
in full imm ediately upon reup[ of your monthly 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 checkng 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 fulfilment materials.
;x riod for Cash 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 ct
When Charges are Added to Your Average Daily Balance Customer Service shown on the front of this statement at least three
Purchase;, 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
in the front of the statement) At our option, we may wait until the
pasting date to add the transaction to the daily balance. The posting
late is the date we actually Ixocess means -for, to your account.
Page 3 of 4
Transactions For: 4707 - 8812 - 3529 -4676
Posting Transaction Reference
Date Date Number Descri tion $ Amount
INTEREST CHARGE -CASH $5.66
TOTAL INTEREST FOR THIS PERIOD $29.10
I
2011 TO TAL -Y-E-AR -TO_- -DATE
Total Fees Charged in 2011 $105.00
Total Interest Charged in 2011 5200.79
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 24.24% (v) $1,174.94 $23.44
Cash 24.24% (v) $283.70 $5.66
(v) = Variable Rate
Please enter the account number on all checks and correspondence.
News /Important Messages etc...
"Important Message Regarding Your Account"
State Farm Bankn would like to let you know that you have 15.57 State Farm Dollars® which are set to expire on 09/26/2011 This
amount represents the number of State Farm Dollars that were earned more than 3 years ago as of June 30, 2011 If you have
questions you can go to statefarm.com® or call us at 1- 877 -SF4 -VISA (1- 877 - 734 - 8472)
Please Note If you have redeemed your State Farm Dollars between June 30, 2011 and the cycle date shown on the front of your
statement the above amount may not be accurate.
Good Neighbor Message!
If you've made a purchase over $500 in the past two weeks, now's the time to take advantageof our FixPay option and start
paying off that purchase in a set number of monthly installments (possibly at a lower rate than your purchase APRI). Simply click on
the FixPay icon on the "Recent Transactions" page of your online credit card account or call 1- 877 - 734 -8472 Other terms and
conditions apply, visit statefarm.com /fixpayfor more information.
Account Number: 4707 -8812- 3529 -4676
[ New Balance: $1,538.15
Payment Due by 5PM (ET) on: July 23, 2011
Minimum Payment Due: $120.56
Amount Enclosed: $
STATE FARM BANK
PO BOX 23025
COLUMBUS GA 31902 -3025
Make Check Payable to: STATE FARM BANKS
ANDREA ROCHELLE I Please check box for address or telephone
500 WALNUT ST APT B3 * 0034789 change.
LEMOYNE PA 17043 -1575 (Completeform on the reverseside)
4707881235294676 OD0120568 001538152
c Detach here Please make check payable to STATE FARM BANK and send with this remittance slip in the enclosed envelop=_
/� For 24 Hour Good Neighbor Service, Rage of 4
M M e Please Call: Statement Period: 05/2711 1 - 06/26/11
�1 1-877-SF4-VISA (1 -877-734-8472) Account Number: 4707- 8812 - 3529 -4676
Additional contact Information Payment Due
located on reverse side. by 5PM (ET) on: July 23, 2011
Summary of Account Activity
Previous Balance: $1,590.74 Total Credit Limit: $1,500.00
Payments & Credits: $120.00 Available Credit Limit: $0.00
Purchases & Other Charges $0.00 Cash Advance Limit: $300.00
Cash Advances: $0.00 Available Cash Advance Limit: $0.00
Fees Charged: $35.00
Interest Charged: $32.41 Closing Date: June 26. 2011
New Balance $1,538.15 Number of Days in Cycle: 31
Payment Information
New Balance: $1,538.15 Minimum Payment Warning: If you make only the minimum
Minimum Payment Due: $120.56 payment each period, you will pay more in interest and it will take
Payment Due by 5PM (ET) on: July 23, 2011 longer to pay off your balance. For Exam e:
Late Payment Warning: If we do not receive your minimum payment ff you mslrle no You will payoff the And you wNFend
by the date and time listed above, you may have to pay a late fee up to additional shthbnh on up p6yiFlp
$35.00. using this card this statamerd in an total
and each month about... of...
YOU pay...
Only the minimum 6 years $2,738
payment I
If you would like information about credit counseling services, call 1- 877 - 734 -8472.
State Farm Dollars® Summary
State Farm Dollars Balance 66.68 Lifetime State Farm Dollars Redeemed 0.00
State Farm Dollars Earned This Cycle 0.00
TOTAL STATE FARM DOLLARS REDEEMABLE 66.68
i_i •Pdeam .- State Farm Dollars vo., must nave a min mum of 50 in your Total State Farm Dollars Redeemable balance and your account must be in good standing
Transactions For: 4707- 8812 - 3529 -4676
Posting Transaction Reference
Date Date Number Description $ Amount
P AYMENTS AND CRED
06 -21 -11 06 -21 -11 9498 PAYMENT RECEIVED -- THANK YOU 1 3120.00 CR
FEES
06 -23 -11 06 -23 -11 LATE PAYMENT FEE $3500
TOTAL FEES FOR THIS PERIOD $35.00
INTERES CHARGED
INTEREST CHARGE - PURCHASES $26.37
Tease enter -ange of address or telephone number below.
Address
2;tv 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.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 you Your Ingress Charges: pay lea st Making Payments Disputing Account Information Reported to Credit Bureaus:
transaction tra statement t h has a Interest Charges" , we c alculate 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
daily balance and multiply it by the Daily Periodic Rate for that n the "Interest Charges" section, c a average balance must always a at the Minimum Payment Payment e ht Pa t b the Pa t th to dispute tlhe accuracy of in
f the reported b y vintin g
y
and by the number of days in the billing cycle. Then we add all these Due Date. Mail your payment, made lo US dollars, accompanied by to us at Stale Farm Bank PO Box 99, Deposit. New York 13754 -0094.
products together and we add any transaction fee that applies. Ths me upper portion of your monthly statement, in the enclosed return
yeses 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 6170) .
Here Is How We Determine Each Of Your Average Daily to allow sufficient time for your payment m reach us by the Payment
Balances: Due Dag. 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 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 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 roll-bee number or at PG Box 94, Deposit
each of torso 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 550
period Balance Transfers), Cash Advances, introductory period Balance you have any questions about ACH, please call 1- 877- 5F4-VISA
Transfers or other special rate offers (as applicable), and subtract any (1 -877 -734- 8472). All payments (including phone Permits, 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 s 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, I 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 - 23. 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 nom 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 re
your account on the there is no valid dispute or 0 any such Instrument is ceived at any
days In the billing cycle. This gives us the "average daily balance" for following bank business day. The creel Ring 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 d. All
ITansfers) and for Cash Advances, except that R the Previous Balance State Farm Dollars(K) other payments should tie sent to the payment address shown on the
Of your account was zero or a credit balance. Purchases posted to your If elig tie, 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
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 - 533 -3879
statement, this means that the rate may vary The variable APR is the choice by accessing your account online at statefarm.com or calling
Prime Rate plus your margin as disclosed in your Credit Card 1-877 -SF4 -VISA (1 -877- 734 -84721 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 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 fruit of your statement is $1.50 correct the problem with the merchant, you may no, have to pay the
amen
a lesser amount as disclosed
tied)' 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
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 :ban $50 and the
your Accourt during the billing cycle. transa lion on your bill, write us on a separate sheet at State Farm purchase was made in your home state or withm :00 miles of your
Bank, PO Box 1420, Deposit New York 13754 -1420 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 few 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 Pr. In your letter, give us the following informaton Your purchase of h me e State Fa Bank Credit it C Program is
Percentage Rates of me Daily Periodic Rates
optional, The monthly tee for me State Farm Bank ant Credit it 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 21 The dollar amount of the suspected error multiplied by the right cost which is $0.74 per $100. You have the right
statement of your account if you pay the entire New Balance by the 3. Descri the error and explain, if you can, why you believe there to cancel me State Fan Bank Credit Protected Program at any time
Payment Due Date shown on the front of this statement. You may is an order. If you need more information, describe the item you for any reason by calling or writing State Farm Bani< or the program
void an interest charge on Purchases for the billing cycle In which are unsure about. administrator. State Fan 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 may - _th interest on balances from You do not have to pay any amount in question while we are man 60 days delinquent or (2) at any time and fir any reason by
the previous.. bill ng . cycl beg; ning the first der r)_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 10 days In advance .
cycl —Thus mea s ou will re ceiv e a statement the following month mat are not in question. While we investigate your queston, we
for t rest th accru it= dre cl osing date of the previous billing cannot report the amount in question as delinquent or take any action There are eligibility requirements, conditions, uc exclusions that
cycle until the date of your payment in fu ll was Posted [o woad account to cdlect the amount you question coukl prevent you from receiving benefts under the State Farm Bank
T o minimize the amount of this interest Ray the- en[_re New Balance
Credit Protection Program. You many find a complete explanation of
in full immediately upon pt of _ your monthly _statement_ Eactt If you have authorized us to pay your edit card bill automatically eligibility requirement, conditions, and exclusions n section 3 through
_deco;
periodic statement must the mailed or delivered to the consumer not Iron your savin g or check 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 maten,is
period for (ash 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 last three
turchases, 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 fin, the daily balance. The posting
cat= is the date we actually process the transaction to your account.
Page 3 of 4
Transactions F or: 4707- 8812 - 3529 -4676
Posting Transaction Reference
Date Date Number Description $ Amount
{ INTEREST CHARGE -CASH $6.04
TOTAL INTEREST FOR THIS PERIOD $32.41
2011 TOTAL YEAR -TO -DATE
Total Fees Charged in 2011 $105.00
Total Interest Charged in 2011 $171.69
I nterest Charge Calcul
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 24.24% (v) $1,279.11 $26.37
Cash 24.24% (v) $292.91 $6.04
(v) = Variable Rate
Please enter the account number on all checks and correspondence.
News /Important Messages etc...
Your account is over the limit by $38.15. 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.
Account Number: 4707- 8812 -3529 -4676
New Balance: $1,590.74
[*Bank"
Minimum Payment Due: $217.41
Payment Due by 5:00 P.M. (ET) on: June 23. 2011
Past Due Amount $46.15
Amount Enclosed $
Make Check Payableto: STATE FARM BANK®
STATE FARM BANK
PO BOX 23025
COLUMBUS GA 31902 -3025 Please check box for address or telephone
change.
(Complete form on the reverse side)
ANDREA ROCHELLE
500 WALNUT ST APT B3 * 0042044
LEMOYNE PA 17043 -1575
4707881235294676 000217410 001590745
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 1 of 4
Bank, Please Call: Statement Period: 04/27/11 - 11
1.877- SF4- VISA(1- 877 - 734 -8472) Account Number: 4707 - 8812 - 3529 -4629-4676
Additional contact Information Payment Due
located on reverse side. by 5:00 P.M. (ET) on: ,tune 23, 2011
Summary of Account Activity
Previous Balance: $1,525.22 Total Credit Limit: $1,500.00
Payments & Credits. $26.00 Available Credit Limit: $0.00
Purchases & Other Charges $26.00 Cash Advance Limit: $300.00
Cash Advances $0.00 AvailableCash Advance Limit: $0.00
Fees Charged: $35.00
Interest Charged: $30 .52 Closing Date: May 26, 2011
New Balance $1,590.74 Number of Days in Cycle: 30
Payment Information
New Balance: $1,590.74 Minimum Payment Warning: If you make only the minimum
Minimum Payment Due: $217.41 payment each period, you will pay more in interest and it will take
Payment Due by 5:00 P.M. (ET) on: June 23, 2011 Ion erto pay off your balance. For Exam le:
Late Payment Warning: If we do not receive your minimum payment If you mWe no You will payoff the And you wiN end
by the date and time listed above, you may have to pay a late fee up to addkbrWchwM bablirimahmn on up Poll
$35.00 and your APRs may be increased up to the Penalty APR of us" ttft card ft sillitillenwint In an estima*total
24 24% and each trial about.. of...
You Pay... _
Only the minimum 6 years $2,806
payment
If you would like information about credit counseling services, call 1- 877 - 734 -8472.
State Farm Dollars® Summary
State Farm Dollars Balance 66.68 Lifetime State Farm Dollars Redeemed 0.00
State Farm Dollars Earned This Cycle 0.00
TOTAL STATE FARM DOLLARS REDEEMABLE 66.68
to edenm ,c. Stale Farm Uollas vo must have a mrlmum of 50 in your Total State Farm Dollars Redl balance and your account must ben good standing
Transactions For: 4707 -8812- 3529 -4676
Posting Transaction Reference
Date Date Number t De scription $ Amount
_PAYMEN AND CR EDITS
05 -20 -11 05 -20 -11 3498 PAYMENT RECEIVED -- THANK YOU $26.00 CR
05 -24 -11 05 -20 -11 3494 PAYMENT REVERSAL $26.00
FEES
05 -23 -11 05 -23 -11 LATE PAYMENT FEE $35.00
TOTAL FEES FOR THIS PERIOD $35.00
INT EREST CHAR
INTEREST CHARGE - PURCHASES $24.75
,ease enter change of address our telephone number below
.Address
:;iN State Zip
iomE Rhone 0 elude area code) Work Phone Include area code)
To Contact Us Regarding Your Account
L' ? T ; ✓1
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 Calculate Your Interest Charges: Making Payments Disputing Account Information Reported to Credit Bureaus:
Your statement t h has a Interest Charges" , we C. For each type of You most pay all or part of your New Balance at any e. However, We fursh informa about your account to Credit bureaus. You have
transaction m the "Interest Charges" section, we Calculate that average you most always at least the Minimum Pa y y y p Payment b tim tion the Payment the ht to disp accur to the of the information re y reported b writing
daily balance and multiply it by the Daily Periodic Ratte e for or that balance y pay n9
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 Stale Farm Bank, PO Box 99, Deposit, New fork 13754 -0094 .
products together and we add any transaction fee that applies. This the upper potion of your monthly statement, in the enclosed return
gives is the Interest Charge envelope or to the payment address State Fan 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, II 61703 237.7
Here Is How We Determine Each Of Your Average Daily to allow sufficient tlme 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 cakulate m '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 zt 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 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 notlfy 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 rot 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, ovemight 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 as the daily Time Monday through Friday (our normal business days), will be that s marked "paid in full' a 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 dsputed amount, most be sent to State
treated as zero for purposes of Calculating the daily balances.) Then, rezmils, overnight mail, etc) received by as at the address indicated Farm Bank, PO Box 2326, Bloomington, IF 61702 -2326 We reserve all
e add all of Me daily balances for me billing cycle for each of these after Sap 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 is no valid dispute or if any such instrument s 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 ocbde 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 purposes of Calculating the Interest Charge. Terms and Conditions brochure m purchases you make with your Service for the Hearing Impaired (T'DDITYY)
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 n a ;V; next to the Daily Periodic Rate on the front of your can apply your coward Dollars to the State Farm products of your contact our service for the hearing impaired at 1 -877 5;3 -3879
statement, this means that the rate may vary . The variable APR s the choice by accessing your account online at slatefarion — or Calling
Rime 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 services that you
Billing Rights Summary purchased with a credit card, and you have tried In good faith to
if the "INTERE'7 CHARGED on the horn of your statement is $1.50 correct the problem with the merchant, you may not have to pay the
!C, 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 $SO and the
,our 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 maiing address. (If we own a operate the merchant, or if we mailed
A transaction tee 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, (Povernmo, Check and Balance Transfer. If such a you the Best bill on which the error or problem appeared you can covered regardless of amount or location of purchase
transaction fee 6 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
m ton. is
Percentage Rates of the Daily Periodic Rates. In your letter, give us e following Informa the purchase of the State Farm Bank Credit r Program
optional. The monthly fee for e State [e Farm Bank ank Credit Protection
Purchases Grace Period 1. Your name and Account number program is based on your total account statement balance each month
Them 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 sIOO You have the right
statement of your account if you pay the entire New Balance by the 3. Desrnbe 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 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 whidh are unsure about. administrator State Farm Bank has the right M cancel the Sate Farm
the am firs[ posted ro your Account if that cue gin with a Bank Credit Protection Program if (1) your account becomes more
Previous balance of zero. W_e m_a charge interest on Wlan 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 am reason by
me � s tailing cycle begnn'ng the 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 10 days In advance
yqe. This _meayouu will receive a stateme the f ollowing month Nat are not in question. While we investigate your question, we
for inter that accrued from the closing date of the Previous billing cannot report the amount in question as delinquent or take any action There are eligibility requirements, conditions, anti exausbns that
ycle. until the date of your Payment in -ful was posted to your account N collect the amount you question could prevent you from receiving benefits under the Stale Farm Bank
To minormane the amount of this interest, pay the entire New Balance Creel t Protection Program. You many find a complete explanation of
mmtf
in full edia up re ceipt of your monthly statemen Each If you have authorized us to pay your Credit Card bill automatically eligibility requirements, conditions and exclusions i n 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 out grace any ch am at ount you think is wrong. To stop the payment, your letter must Conditions th will be included with your fulfillment rnateria k.
oetied for Cash Advances and Balance Transfers ea 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 font 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
Ialance as of the transaction date (in the - Transaction Date" column
.m the front of the statement) At our option, we may wait until the
posting date to add the transaction to the dally balance. The posting
lat, . is the iss we achlally process the transaction to your account
Page 3 of 4
Transactions For: 4707 - 8812 - 3529 -4676
Posting Transaction Reference
Date Date Number Description $ Amount
INTEREST CHARGE -CASH $5.77
TOTAL INTEREST FOR THIS PERIOD $30.52
i t
2011 TOTAL YEAR -TO -DAT
Total Fees Charged in 2011 $70.00
Total Interest Charged in 2011 $139.28
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 24.24% (v) $1,240.48 $24.75
Cash 24.24% (v) $289.40 $577
(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 paymenttoday and call 1- 877 -SF4- VISA (734 -8472) for details on setting
up an automatic payment deduction plan.
EXHIBIT "C"
F'T_LF, N0. 10007666
SOURCE Sfagentapp T1 APPLYING: I REF NUMBER: 01160871
DATE APPLIED: 09 ?20!2006 16:53:07 EMAIL ALIAS: SHSA
AGENT CODE: 386361 RESIDENCE ADDRESS:
NAME. ANDREA ROCHELLE LINE 1 57 FAIRVIEW DR
IP Address : LINE 2:
CITY STATE ZIP: NEW CUMBERLAND, PA 17070 CITY STATE ZIP: .
SOCIAL SECURITY NUMBER: DATE OF BIRTH —'
HOUSING S-rATU - -_
HOME PHON'S CELL PHONE:
MOTHERS MAIDEN NAME
ANNUAL HOUSEHOLD INCOME:( or year MONTHLY HOUSING PAYMENT
EMAIL ADDRESS:
IS APPLICANT CURRENTLY A STATE FARM CUSTOMER: YES 0 YEARS
STATE FARM POLICY(S)lACCOUNT(S) OWNED:
AUTO: YES HOMEOWNER SfRENTERS: YES LIFE: NO HEALTH: NO
BANK: NO MUTUAL FUNDS: NO OTHER: NO
EMPLOYER NAME: DDSP WORK PHONE:
C_REDIF PROTECTION PROGRAM: NO
CO- APPLICANT INFORMATION (OPTIONAL):
COAPP NAME
SOCIAL SECURITY NUMBER:
DATE OF BIRTH:
INFORMATION REQUESTED:
AUTHORIZED USERS
NAME:
GA 6131R7M TY NUMBER:
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronn y R Anderson
y:
Sheriff -7!
Q�t411'P CI'1 Z 11111ber, �{ t,,,. .W,,✓ 7 r
Jody S Smith
Chief Deputy 1113 �.'i�R _4 A 9, 0 .
v w ,
Richard W Stewart CHMBER i ,; iii "0'
Solicitor � r
State Farm Bank Case Number
vs.
Andrea Rochelle 2013-1444
SHERIFF'S RETURN OF SERVICE
0312812013 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry
for the within named Defendant to wit:Andrea Rochelle, but was unable to locate the Defendant in his
bailiwick. The Sheriff therefore returns the within requested Complaint& Notice as"Not Found"at 500
Walnut Street, Apt. B3, Lemoyne Borough, Lemoyne, PA 17043. Current tenant moved in in September
2012 and still occassionally receive mail for the defendant. The Lemoyne Postmaster has confirmed that
the defendant moved and left no forwarding address.
SHERIFF COST: $49.00 SO ANSWERS,
March 28, 2013 RON R ANDERSON, SHERIFF
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
STATE FARM BANK No. 13-1444 CIVIL
Plaintiff/Petitioner
VS.
ANDREA ROCHELLE
Defendant(s)/Respondent(s)
�3 CA>
rn
PRAECIPE TO REISSUE czn� x 70
-cam va o
TO THE PROTHONOTARY:
Kindly reinstate the complaint for the above referenced account. "" w
CD
Amy oy e, squi
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: 10007666
l 1.75 PQ AT7�
18883y
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson f!'L3 7D-OFFICE
Sheriff �Jh *piE �tOTiiOti �T.1r;`
p%NM of�IIYf!'�rrfdA
Jody S Smith °
Chief Deputy 2013. APR 17 AF, 9: 14
t,
.
Richard W Stewart ? CU MBERLAQ CQ1 N.i Y
Solicitor C FFIGE or THE SHMFF P E N N S Y LVA N I A
State Farm Bank
vs. Case Number
Andrea Rochelle 2013-1444
SHERIFF'S RETURN OF SERVICE
04/11/2013 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry
for the within named Defendant to wit:Andrea Rochelle, but was unable to locate the Defendant in his
bailiwick.The Sheriff therefore returns the within requested Complaint&Notice as"Not Found"at 717
Middle Lane, East Pennsboro, Camp Hill, PA 17011. Per the current residents the defendant was staying
at this address but has since returned to Germany.
SHERIFF COST: $48.00 SO ANSWERS,
April 15, 2013 RbNN9 R ANDERSON, SHERIFF
(c)County5ulto Sheriil,TeleosTt Inc