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Home My WebLink About04-6110 BURTON NEIL & ASSOCIATES, P.C. By: Burton Neil, Esquire Identification No. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 (610) 696-2120 Attorney for Plaintiff CmBANK (SOUTH DAKOTA) N.A. 701 East 60th Street North, Sioux Falls, SD Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. AMY L DANIELS 303 11th Street, New Cumberland P A 17070-1309 Defendant NO. tV- (;II() c;J : CIVIL ACTION - LAW COMPLAINT NOTICE You have been sued in court. If you wish to defend against the claims set forth in the fQllowing pages, you must take action within (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objectiQns to the claim 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 YQU by the court without further notice fQr any money claimed in the complaint or for any other claim or relief requested by the plaintiff. Y Oil may lQse money or property or other rights important to you. YOU SHOULD TAKE TillS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. TillS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO illRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERENCE AND INFORMATION SERVICE Cumberland County Bar Assoc. 32 South Bedford Street Carlisle, P A 17013 Telephone No. 717-249-3166 or 800-990-9108 C-4479 BURTON NEIL & ASSOCIATES, P.C. By: Burton Neil, Esquire Identification No. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. 701 East 60th Street North, Sioux Falls, SD Plaintiff : IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. NO. AMY L DANIELS 303 11th Street, New Cumberland, P A Defendant : CIVIL ACTION - LAW Complaint 1. The plaintiff is Citibank (South DakQta) N.A., with place of business located at 701 East 60th Street North, Sioux Falls, South Dakota. 2. The defendant is Amy L Daniels, who resides at 303 11 th Street, New Cumberland, Cumberland County, Pennsylvania. 3. Plaintiff, a natiQnal banking association, engages in various types of banking business including consumer lending through the issuance of credit cards. 4. Plaintiff furnished consumer credit to the defendant by means of a credit card with account number 5424180118845574 hereinafter referred to as the credit card account. 5. Plaintiff maintained an accurate and running record of all debits and credits to the credit card account in its books of account. 6. Plaintiff mailed defendant a written statement each month which accurately stated the debits and credits to the credit card account for the prior billing periQd. 7. Defendant received the monthly statements from plaintiff for the credit card account including the statement attached hereto as Exhibit A statement without protest, dispute or objection. 8. Defendant in not protesting, disputing or objecting to the statements including the Exhibit A statement thereby assented and agreed to the correctness of the balance due on the credit card account so as to constitute an account stated. 9. The amount due plaintiff on the aCCQunt stated, less credits, if any issued subsequent to the Exhibit A statement, is $11,578.43. Wherefore, plaintiff demands judgment against defendant for the sum Qf $11 ,578.43, and the costs of this action. The law firm of Burton Neil & AssQciates, P.C. NEI~ ljCIATES, P.C. ...."':Bt:rnon N~ll, Esquire Attorney :.:'or Plaintiff \ is a debt collector. By: 09/13/04 ~~~~i~~~M~~~~~~~~~~~~ ......................... AMY L DANIELS 303 11TH ST NEW CUMBERLND 17070-1309000 $1157B.43 $9999.99 .............--...--.... ..-.----.--.....--..... ~~~~~~~~~~~~~~~ ~~~~~~~~~~~~~~~~~~~~~~ SITE:KC-CL CITI CARDS P.O. BOX B111 S HACKENSACK, NJ 07606-Bl11 PA Citi~ Platinum Select~ Card Account Number 5424 1801 1884 5574 Customer Service: 1-800-950-5114 BOX 6500 SIOUX FALLS, SD 57117 Total Credit Line $10210 statement/ Cl051n9 Oat. OB/17/2004 Salt Oat. Post oat. R.I.r.nc. Numb.r 8/17 8/17 Account Summary PURCHASES ADVANCES TOTAL Rate Summary PURCHASES Standard Purch ADVANCES Standard Adv Avall<lble Credit Line $0 Amount Over Credit Lln. $136B.43 CUh Advance l.lmlt $200 Past Du. $1689.28 Available Cash Limit $0 Purch/Adv Minimum Du. $289.63 Help is available! Please call the toll-free number shown above to learn about our special payment options. Call Monday - friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. Please give us the opportunity to assist you. Previous Balance $11,258.80 $0.00 $11,258.80 Activity SIne. Last statem.nt Standard Purch OVER CREDIT LIMIT fEE 62 0000 PURCHASES*fINANCE CHARGE*PERIODIC RATE 84 0000 (+) Purchases & Advances $35.00 $0.00 $35.00 (-) Payments & Credits 10.00 0.00 0.00 Balance Subject to Finance Charge $11,396.08 $0.00 Periodic Rate 0.07805%(0) 0.07805%(0) (+) FINANCE CHARGE $284.63 $0.00 $284.63 TM:CO-5000 11/13/04 ACID: KCB7150 16:19:36: cffr New Balanee $11578.43 Minimum Amount Du. $11578.43 Amount 35.00 0000000000 284.63 0000000000 (=) New Balance $11,578.43 $0.00 $11,578.43 Days This Billing Period: 32 Nominal ANNUAL APR PERCENTAGE RATE 28.490% 28.490% 28.490% 28.490% EXHI~'T P '. . VERIFICATION Jennifer Sisson is Attorney Management Specialist fQr Citibank (South Dakota) N.A. the within Plaintiff in this action, and that the statements Qf fact made in the foregQing Complaint are true and correct to the best of the undersigned verifier's knowledge and belief. The undersigned understands that the statements made herein are subject to the penalties Qf 18 Pa. C.S. Section 4904, relating to unsworn falsification to authorities. Date: II / (?2(3f 0,--/ [ ~~~~ Amy L Daniels 5424180118845574 ~..- . f ~ ~~ ~. ~. ~& '-J ~ ~ ~ ~\ ~ ~ ~ ~ \ \ \ \, ~~~ { o ~ 0 ~:; ~2 --n -r ~ ~";'~i CJ q\., rq .) I _I '-f ::r: '"I'I 1111-':-; :-~2J C)(L " Ir~ :: =~ ,: '.,~ :'f": r''';> ::::1 c., -<. c;) LAW OFFICES OF SHANE B. KOPE BY: SHANE B. KOPE, ESQUIRE ATTORNEY I.D. 92207 4660 Trindle Road, Suite 201 Camp Hill, PA 17011 (717) 761-7573 sbkope@comcast.net Attorney for Defendant CITIBANK (SOUTH DAKOTA) N.A. Plaintiff, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. NO. 04-6110 AMY 1. DANIELS Defendant. CIVIL ACTION - LAW NOTICE TO PLEAD To: Burton Neil, Esquire, Attorney for Plaintiff You are hereby notified to plead to the enclosed New Matter within twenty (20) days from service hereof or a default judgment may be entered against you. LAW OFFICE 011 SHANE B. KOPE Date: February 7, 2005 By: /::",) -~~--=- Shane B. Kope, Esquire LAW OFFICES OF SHANE B. KOPE BY: SHANE B. KOPE, ESQUIRE ATTORNEY LD. 92207 4660 Trindle Road, Suite 201 Camp Hill, PA 17011 (717) 761-7573 sbkope@comcast.net Attorney for Defendant CITIBANK (SOUTH DAKOTA) N.A. Plaintiff, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. NO. 04-6110 AMY 1. DANIELS Defendant. CIVIL ACTION - LAW DEFENDANT'S ANSWER WITH NEW MATTER TO PLAINTIFF'S COMPLAINT 1. Paragraph one (1) of Plaintiffs complaint is admitted. 2. Paragraph two (2) of Plaintiffs complaint is admitted. 3. Paragraph three (3) of Plaintiffs complaint is admitted. 4. Paragraph four (4) of Plaintiffs complaint is admitted. 5. After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth or falsity of the averment contained in Paragraph five (5) of the Complaint and therefore deny the allegations thereof. Strict proof will be demanded at time of trial if the same be material. 6. After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth or falsity of the averment contained in Paragraph six (6) of the Complaint and therefore deny the allegations thereof. Strict proof will be demanded at time of trial if the same be material. 7. Denied as stated. Defendant admits that she received monthly statements from Plaintiff, but denies the remaining allegations of Paragraph seven (7). Defendant avers, on the contrary, that she protested and objected on several occasions to the anlOunt of the finance charges, late fees and other penalties that defendant accrued on her credit card account. 8. Paragraph eight (8) of the complaint is denied. On the c;ontrary, Defendant is protesting, disputing and objecting to the statements including the Exhibit A statement and, therefore, does not assent or agree to the correctness of the balance due on the credit card account. 9. After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth or falsity of the averment contained in Paragraph nine (9) of the Complaint and therefore deny the allegations thereof. Strict proof will be demanded at time of trial if the same be material. NEW MATTER 10. Even assuming that Defendant owes Plaintiff the amOlmt due stated in the complaint, which is denied, Plaintiff so negligently and carelessly conducted itself in permitting such debt to incur that it, by its own carelessness and negligence, directly and proximately caused the injuries and damages alleged in its complaint. Plaintiff's contributory negligence is greater than the negligence, if any, of this Defendant. WHEREFORE, Defendant demands judgment against the Plaintiff. Respectfully Submitted, Date: February 7, 2005 LAW OFFICE OF SHANE B. KOPE ~;Y~r~ Shane B. Kope, Esquire By: VERIFICATION 1, Shane B. Kope, Esquire, attorney for the Defendant in this matter, verify that the statements made in the foregoing Defendant's Answer with New Matter to Plaintiffs Complaint are true and correct to the best of my knowledge, information, and belief. The undersigned understands that his statements therein are made subject to the penalties of 18 Pa. C.S.A. Section 4904 relating to unsworn falsification to authorities. Dated: 2/7/2005 <:::'~_.;.._- - ..___ "=.-.-Ld - S ane B. Kope. Esquire CERTIFICATE OF SERVIC];, I, Shane B. Kope, Esquire, hereby certify that on February 7, 2005, I served a copy of the within Defendant's Answer with New Matter to Plaintiffs Complaint by depositing same in the United States Mail, first class, postage prepaid in Camp Hill, Pennsylvania, addressed as follows: Burton Neil, Esquire Burton Neil & Associates, P.C. l060 Andrew Drive, Suite 170 West Chester, PA 19380 LAW OFFICE OjF SHANE B. KOPE By: C:,'_.c~o:=. -) -- --~ '-) Shane B. Kope, Esquire 1"-';' , , ':,1 ~" .--\ "\ ~'\ I ~. \- ::.~ ':: - PRAECIPE FOR LISTING CASE FOR ARGUMENT TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argument Court. CITffiANK (SOUTH DAKOTA) N.A. Plaintiff v. AMY 1. DANIELS Defendant No. 04-6110 Civil Action-Law 2004 1. Matter to be argued: Plaintiffs Preliminary Obiections to Defendant's Answer and New Matter 2. IdentifY counsel who will argue case: (a) for plaintiff: Burton Neil, Esquire, ID# 11348 BURTON NEIL & ASSOCIATES, P.C. 1060 Andrew Drive, Suite 170 West Chester, PA 19380 (610) 696-2120 (b) for defendant: Shane B. Kope, Esquire, ID# 92207 Law Offices of Shane B. Kope 4660 Trindle Road, Suite 201 Camp Hill, PA 17011 (717) 761-7573 3. I will notifY all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: March 23,2005 ~ BurtO'nNeil, Esquire Attorney for Plaintiff ~ -n. ~ -r:; r] }::. ?i tj; C> en BURTON NEIL & ASSOCIATES, P.C. By: Burton Neil, Esquire Identification No. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 (610) 696-2120 Attorney for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. IN THE COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA (, ~ v. (""",' ,- NO.04-6110-CV AMY 1. DANIELS Defendant CIVIL ACTION - LAW Preliminary Objections to Defendant's Answer and New Matter Now comes plaintiff, Citibank (South Dakota) N.A., by and through counsel, Burton Neil, Esquire, and interposes the following preliminary objections to defendant's Answer and New Matter. A. Failure to conform to rule of court - Pa R.C.P. l028(a)(2) I. The Answer and New Matter was verified by defendant's attorney. 2. The Answer was not verified by defendant, a party to the action. 3. The taking of the verification by counsel is contrary to Pa R.C.P. 1024. Wherefore, plaintiff prays your Honorable Court will strike defendant's pleading. B. Failure to conform to rule of court - Pa R.c.P. l028(a)(2) I. Defendant's New Matter set forth the defense of contributory negligence. 2. Although the defense of contributory negligence need not be pleaded under Pa R.C.P. 1030, defense chose to do so and contrary to the dictates ofPa R.C.P. 1019(a) plead no facts in support of the defense. Wherefore, plaintiff prays your Honorable Court will strike defendant's New Matter. C. Insufficient specificity in a pleading - Pa R.C.P. l028(c) I. Defendant plead no facts in support of the affmnative defense. 2. Plaintiff is unable to prepare a response in the absence of defendant's pleading the required material facts, on which the alleged affirmative defense is based. Wherefore, in the alternative to preliminary objection section B, plaintiff moves the Court order defendant plead affirmative defenses more specifically under Pa R.C.P. 1028(a)(3). D. Legal insufficiency of a pleading (demurrer) - Pa RC.P. l028(a)(4) 1. Defendant's New Matter set forth the defense of contributory negligence. 2. No facts were plead in support ofthe affmnative defense. 3. Plaintiff's action is based on an account stated. 4. An account stated is based on the existence of a contract which merged into the stated account. 5. The defense of contributory negligence is not warranted by existing law or a nonfrivolous argument for the extension, modification or reversal of existing law. Wherefore, plaintiff prays your Honorable Court will enter an Order striking defendant's New Matter. BURTON N9lL & ASSOCIATES, P.C. " ",.. By: L,.. t/,/ Burton Neil, Esquire Attorney for Plaintiff In making this communication, we advise our firm is a debt collector. BURTON NEIL & ASSOCIATES, P.C. By: Burton Neil, Esquire Identification No. 11348 1060 Andrew Drive, Suite 170 West Chester, P A 19380 610-696-2120 ATTORNEY FOR: Plaintiff CITIBANK (SOUTH DAKOTA) N.A. : IN THE COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYL VANIA VS. : NO.04-6110-CV AMY L DANIELS Defendant : CIVIL ACTION - LAW Certificate of Service I, Burton Neil, Esquire, do hereby certifY that I served a true and correct copy of the within Preliminary Objections to Defendant's Answer and New Matter, proposed Order, and Praecipe for Listing Case for Argument on defendant's counsel, Shane B. Kope, Esquire, at his address of record via first class mail, postage prepaid on the date set forth below. BURTON NEIL & ASSOCIATES, P.C. Date: j/ )..tle-" "f' BY: C i Burton Neil, Esquire Attorney for Plaintiff The law firm of Burton Neil & Associates is a debt collector. C-4479 ~ , u GJ 9.:.~ . <::;:; ...c:: --l:> ",-, ~ <::> 0- \.1'\ - . .... ~ ...... LAW OFFICES OF SHANE B. KOPE BY: SHANE B. KOPE, ESQUIRE ATTORNEY I.D. 92207 4660 Trindle Road, Suite 201 Camp Hill, PA 17011 (717) 761-7573 sbkope@comcast.net Attorney for Defendant CITIBANK (SOUTH DAKOTA) NA Plaintiff, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. NO. 04-6110 AMY L. DANIELS Defendant. CIVIL ACTION - LAW MOTION FOR LEAVE TO FILE AMENDED ANSWER Defendant, by and through her attorney, Shane B. Kope, hereby moves for leave to file an Amended Answer as follows: I. This action was commenced on December 7, 2004 and Defendant filed an Answer with New Matter (hereinafter "Answer") on February 9, 2005. 2. Plaintiff filed Preliminary Objections to the Answer on February 21, 2005. 3. Plaintiff's Preliminary Objections are listed for argument on March 23, 2005. 4. Plaintiff's Memorandum of Law in Support of Preliminary Objections was submitted for filing on March 7, 2005. 5. Immediately before receiving Plaintiff's Preliminary Objections, Defendant's Attorney noticed that the Verification Form attached to the Answer was not endorsed properly. " .-'" 6. Defendant has also decided to withdraw the New Matter pled on the original Answer. 7. The Plaintiff should be granted the relief requested due to the following reasons: a. Although this case has been listed for argument on the Preliminary Objections, it has not been listed for trial; b. No delay will result from the filing of the Amended Answer attached hereto as Exhibit A; in fact, this case will move more efficiently, as filing the Amended Answer will render Plaintiff's Preliminary Objections moot and the forthcoming argument on the matter superfluous; c. Plaintiff will not be prejudiced thereby; and, in effect, will be in receiving the relief prayed for in its Memorandum of Law. 8. Plaintiff's counsel concurs with the relief requested in this Motion. WHEREFORE, Defendant requests leave of Court to file and serve the attached Amended Answer, and for this Court to remove argument on this matter from the argument list for March 23, 2005. Respectfully Submitted, Date: March 16, 2005 LAW OFFICE OF SHANE B. KOPE ~'~L) ...m...') ___ By: Shane B. Kope, Esquire 2 .... LAW OFFICES OF SHANE B. KOPE BY: SHANE B. KOPE, ESQUIRE ATTORNEY I.D. 92207 4660 Trindle Road, Suite 201 Camp Hill, PA 17011 (717) 761-7573 sbkope@comcast.net Attorney for Defendant CITIBANK (SOUTH DAKOTA) NA Plaintiff, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 04-6110 v. AMY L. DANIELS Defendant. CIVIL ACTION - LAW ANSWER 1. Paragraph one (1) of Plaintiff's complaint is admitted. 2. Paragraph two (2) of Plaintiff's complaint is admitted. 3. Paragraph three (3) of Plaintiff's complaint is admitted. 4. Paragraph four (4) of Plaintiff's complaint is admitted. 5. After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth or falsity of the averment contained in Paragraph five (5) of the Complaint and therefore deny the allegations thereof. Strict proof will be demanded at time of trial if the same be material. 6. After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth or falsity of the averment contained in ~ EXHIBIT " w i r1 ~~ ~ " 'lo' Paragraph six (6) of the Complaint and therefore deny the allegations thereof. Strict proof will be demanded at time of trial if the same be material. 7. Denied as stated. Defendant admits that she received monthly statements from Plaintiff, but denies the remaining allegations of Paragraph seven (7). Defendant avers, on the contrary, that she protested and objected on several occasions to the amount of the finance charges, late fees and other penalties that defendant accrued on her credit card account. 8. Paragraph eight (8) of the complaint is denied. On the contrary, Defendant is protesting, disputing and objecting to the statements including the Exhibit A statement and, therefore, does not assent or agree to the correctness of the balance due on the credit card account. 9. After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth or falsity of the averment contained in Paragraph nine (9) of the Complaint and therefore deny the allegations thereof. Strict proof will be demanded at time of trial if the same be material. Respectfully Submitted, Date: March 16, 2005 LAW OFFICE OF SHANE B. KOPE By .~. Shane. , Esquire 2 " . VERIFICATION I, Amy Daniels, Defendant in this matter, verify that the statements made in the foregoing Amended Answer to Plaintiff's Complaint are true and correct to the best of my knowledge, information, and belief. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa. C.SA Section 4904 relating to unsworn falsification to authorities. Dated: 3/15/2005 Amy Daniels '.' '.,. LAW OFFICES OF SHANE B. KOPE BY: SHANE B. KOPE, ESQUIRE ATTORNEY I.D. 92207 4660 Trindle Road, Suite 201 Camp Hill, PA 17011 (717) 761-7573 sbkope@comcast.net Attorney for Defendant CITIBANK (SOUTH DAKOTA) NA Plaintiff, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 04-6110 v. AMY L. DANIELS Defendant. CIVIL ACTION - LAW CERTIFICATE OF SERVICE I, Shane B. Kope, Esquire, hereby certify that on March 16,2005, I served a copy of the within Motion for Leave to File an Amended Answer by depositing same in the United States Mail, first class, postage prepaid in Camp Hill, Pennsylvania, addressed as follows: Burton Neil, Esquire Burton Neil & Associates, P.C. 1060 Andrew Drive, Suite 170 West Chester, PA 19380 LAW OFFICE OF SHANE B. KOPE By: ~~=~~2_.. Shane B. Kope, Esquire _..,j(i"i r(li':' 'Z') "::;'1"" 1)l/ -'- r:'- '-'. ,.:0 (0") ';?;C) 'Y' <;,:~ .~ ~. ~ C_'> v~ -- .... ..... ~ N f'J q, '1. -<' p'~-" -(....'rr~ 17)'=?) ;(n_ .,,? --~~ (2't~ ;~~r(" -t'ri :...(. ?- -~ '-R ,n :... SHERIFF'S RETURN - REGULAR CASE NO: 2004-06110 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CITIBANK SOUTH DAKOTA NA VS DANIELS AMY L HAROLD WEARY , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon DANIELS AMY L the DEFENDANT , at 1628:00 HOURS, on the 4th day of January , 2005 at 303 11TH STREET NEW CUMBERLAND, PA 17070 by handing to AMY L DANIELS a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 18.00 25.16 .00 10.00 .00 53.16 _~ >;;j.y:Y' vA" r /~!,:""",~"v.~.\11:<!, /.k"~ R. Thomas Kline . 01/05/2005 BURTON NEIL Sworn and Subscribed to before By: D~/ bff p me this -< 'f - day of ~jtL-v.~~\-'1 d-0lJ :/ A. D. U ~A-- {l ht~~~ I~thonotary , .... LAW OFFICES OF SHANE B. KOPE BY: SHANE B. KOPE, ESQUIRE ATTORNEY LD. 92207 4660 Trindle Road, Suite 201 Camp Hill, PA 17011 (717) 761-7573 sbkope@comcast.net ('.{"\. :/ Attorney for Defendant l,.\ 'V MAR 2 2 ZQQ5 :;; IN THE COURT OF COMMON p. EAS CUMBERLAND COUNTY, PENN. YLVANIA NO. 04-6110 CITIBANK (SOUTH DAKOTA) NA Plaintiff, v. AMY L. DANIELS Defendant. CIVIL ACTION - LAW ORDER AND NOW, this ~Z'day of >>.a...-vIJ ,2005, upon consider tion of Defendant's Motion for Leave to File an Amended Answer, it is hereby Orde d that the Motion is GRANTED. Defendant may file the proposed Amended Answer w hin twenty (20) days from the date hereof. Accordingly, the argument listed for March , 2005 on Plaintiff's Preliminary Objections is hereby removed. By the Court, ~/1 ,J ViN\f/'JAS~JN:3d ^-tNnG'i 7"" "",WIJ 92 :C Wd 22 ~VW SOOl Il''-':('''\)''",/r: '-/ :1:-" :10 r'.OV..\.-,l'; 1 J.V,,1... ..J.IJ. 3~'iU:!O'{EJlI:J LAW OFFICES OF SHANE B. KOPE BY: SHANE B. KOPE, ESQUIRE ATTORNEY I.D. 92207 4660 Trindle Road, Suite 201 Camp Hill, PA 17011 (717) 761-7573 sbkope@comcast.net Attorney for Defendant v. IN THE COURT OF COMMON PL AS CUMBERLAND COUNTY, PENN YLVANIA NO. 04-6110 CITIBANK (SOUTH DAKOTA) NA Plaintiff, AMY L. DANIELS Defendant. CIVIL ACTION - LAW ANSWER 1. Paragraph one (1) of Plaintiff's complaint is admitted. 2. Paragraph two (2) of Plaintiff's complaint is admitted. 3. Paragraph three (3) of Plaintiff's complaint is admitted. 4. Paragraph four (4) of Plaintiff's complaint is admitted. 5. After reasonable investigation, Defendant is without knowledge or nformation sufficient to form a belief as to the truth or falsity of the averment c ntained in Paragraph five (5) of the Complaint and therefore deny the allegations th reof. Strict proof will be demanded at time of trial if the same be material. 6. After reasonable investigation, Defendant is without knowledge or nformation sufficient to form a belief as to the truth or falsity of the averment c ntained in Paragraph six (6) of the Complaint and therefore deny the allegations ther of. Strict proof will be demanded at time of trial if the same be material. 7. Denied as stated. Defendant admits that she received monthly state ents from Plaintiff, but denies the remaining allegations of Paragraph seven (7). Defend nt avers, on the contrary, that she protested and objected on several occasions to the mount of the finance charges, late fees and other penalties that defendant accrued on her credit card account. 8. Paragraph eight (8) of the complaint is denied. On the contrary, De endant is protesting, disputing and objecting to the statements including the Exhibit A statement and, therefore, does not assent or agree to the correctness of the balance ue on the credit card account. 9. After reasonable investigation, Defendant is without knowledge or i formation sufficient to form a belief as to the truth or falsity of the averment co tained in Paragraph nine (9) of the Complaint and therefore deny the allegat;ions the eof. Strict proof will be demanded at time of trial if the same be material. Respectfully Submitted, Date: March 28, 2005 LAW OFFICE OF SHANE B. KOPE ~_....Z-='._'.'....'.--- -'.. 'Z~; ~ "\.."----.-----~y-=---h .h_..+....,..,."._._~ By: Shane B. Kope, Esquire VERIFICATION I, Amy Daniels, Defendant in this matter, verify that the statements ade in the foregoing Amended Answer to Plaintiff's Complaint are true and correct to the best of my knowledge, information, and belief. The undersigned understand that the statements therein are made subject to the penalties of 18 Pa. C.SA S ction 4904 relating to unsworn falsification to authorities. Dated: 3/15/2005 , . CERTIFICATE OF SERVICE I, Shane B. Kope, Esquire, hereby certify that on March 28, 2005, I served a ~ within Defendant's Amended Answer to Plaintiffs Complaint by depositing same in the United States Mail, first class, postage prepaid in Camp Hill, Pennsylvania, addressed as folio s: Burton Neil, Esquire Burton Neil & Associates, P.C. 1060 Andrew Drive, Suite 170 West Chester, P A 19380 LAW OFFICE OF SHANE B. KOPE ~:::~E:='" ) .,~:::::~ Shane B. Kope, Esquire By: ;.-." , , -';" ,-1 (-...- ",", ,~~ "1 c' - .- ---- THE LAW OFFICES OF SHANE B. KOPE BY: SHANE B. KOPE, ESQUIRE ATTORNEY I.D. 92207 4660 Trindle Road, Suite 201 Camp Hill, PA 17011 (717) 761-7573 sbkope@comcast.net Attorney for Defendant v. : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : NO. 04-6110 CITIBANK (SOUTH DAKOTA) NA Plaintiff, AMY L. DANIELS Defendant. : CIVIL ACTION - LAW PETITION TO WITHDRAW APPEARANCE Petitioner, Shane B. Kope, petitions this Court for leave to withdraw as counsel for Defendant, Amy Daniels, in the above-captioned matter and in support thereof avers as follows: 1. This action was commenced by Plaintiff on December 7,2004 by filing a Complaint with this Honorable Court. 2. The Parties have tried to negotiate a settlement proposal but have been unable to come to an agreement that satisfies both parties. 3. Petitioner has been unable to contact the Defendant over the last few months after trying several times by phone and letter. The last contact between Petitioner and Defendant in this matter was on October 17, 2005. Plaintiff has ceased to be cooperative in the handling of this matter. 4. Plaintiff has also been uncooperative in paying her bills for the legal fees rendered by the Petitioner. Petitioner has contacted the Plaintiff by letter every month since October and has not received a payment since that time. 5. Petitioner has no hearings or conferences pending in the above captioned matter. WHEREFORE, petitioner requests that this Court grant his Petition for leave to withdraw as counsel for Defendant. Respectfully Submitted, THE LAW OFFICES OF SHANE B. KOPE Date: z./z 7 ~ C. BY~~~ ~ S R oP-~ I.D. # 92207 4660 Trindle Road Suite 201 Camp Hill, PA 17011 (717) 761-7573 CERTIFICATE OF SERVICE I, Shane B. Kope, Esquire, hereby certify that on February 27, 2006, I served a copy of the within Petition by depositing the same in the United States Mail, first class, postage prepaid in Camp Hill, Pennsylvania, addressed as follows: Yale D. Weinstein Law Offices Burton Neil & Assocates 1060 Andrew Drive, Suite 170 West Chester, PA 19380 Attorney for Plaintiff Respectfully Submitted, THE LAW OFFICE OF SHANE B. KOPE L-~ 4660 Trindle Road Suite 201 Camp Hill, PA 17011 (717) 761-7573 1 r<' ------ ." . THE LAW OFFICES OF SHANE B. KOPE BY: SHANE B. KOPE, ESQUIRE ATTORNEY J.D. 92207 4660 Trindle Road, Suite 201 Camp Hill, PA 17011 (717) 761-7573 sbkope@comcast.net Attorney for Defendant "\ v. : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : NO. 04-6110 CITIBANK (SOUTH DAKOTA) NA Plaintiff, AMY L. DANIELS Defendant. : CIVIL ACTION - LAW ORDER AND NOW, this 8" day of r'I1..v. ,2006, upon consideration of the Petition of Defendant's counsel for leave to withdraw, and in the absence of any objection or reply, it is hereby ORDERED that the appearance of Shane B. Kope, Esquire, as counsel for Defendant, may be withdrawn upon the filing of a Praecipe by counsel with the Prothonotary. BY THE COURT: J. " .', r. ""1 'oo '.' KOPE & ASSOCIATES BY: SHANE B. KOPE, ESQUIRE ATTORNEY 1.0.92207 4660 Trindle Road, Suite 201 Camp Hill, PA 17011 (717) 761-7573 sbkope@comcast.net Attorney for Defendant CITIBANK (SOUTH DAKOTA) NA Plaintiff, : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA v. : NO. 04-6110 AMY L DANIELS Defendant. : CIVIL ACTION - LAW PRAECIPE TO WITHDRAW AS COUNSEL TO THE PROTHONOTARY: Please enter counsel for Defendant's voluntary withdrawal in the above captioned matter as per the Order dated March 6, 2006 signed by Judge Hess that is attached hereto. Respectfully Submitted, KOPE & ASSOCIATES ~ By: Shane B. ope, Esquire 07 4660 Trindle Road Suite 201 Camp Hill, PA 17011 717-761-7573 Attorney for Defendant CERTIFICATE OF SERVICE I, Shane B. Kope, do hereby certify that on this the 13th day of March, 2006, I served a true and correct copy of the foregoing Praecipe to Withdraw as Counsel via regular U.S. First Class mail, postage prepaid, addressed as follows: Yale D. Weinstein, Esquire Law Offices Burton Neil & Associates 1060 Andrew Drive, Suite 170 West Chester, PA 19380 Attorney for Plaintiff KOPE & ASSOCIATES ~~Q- €:=~>: -::=~ By: Shane B. ~e, Esq. I. . 2207 4660 Trindle Road, Suite 201 Camp Hill, PA 17011 (717) 761-7573 THE LAW OFFICES OF SHANE B. KOPE BY:. SHANE B. KOPE, ESQUIRE ATTORNEY I.D. 92207 4660 Trindle Road, Suite 201 Camp Hill, PA 17011 (717) 761-7573 sbkope@comcast.net Attorney for Defendant v. : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : NO. 04-6110 CITIBANK (SOUTH DAKOTA) N.A. Plaintiff, AMY L. DANIELS Defendant. : CIVIL ACTION - LAW ORDER AND NOW, this lfJb. day of ~, 2006, upon consideration of the Petition of Defendant's counsel for leave to withdraw, and in the absence of any objection or reply, it is hereby ORDERED that the appearance of Shane B. Kope, Esquire, as counsel for Defendant, may be withdrawn upon the filing of a Praecipe by counsel with the Prothonotary. BY THE COURT: /5 J. ~.-~ . -. '1~~ i- ...0...:. () ~~ :,1 -< 1'-,.' C::;' C,:''') c' ='i': ....".,,, ::0 o -n .-{ I...,,"1 rrlr ~~ t;- C..n "'D ::<: w :5 ;:~ _'-1 .< <.D . , .. ~ ~. ; BURTON NEIL & ASSOCIATES, P.C. Yale D. Weinstein, Esquire ID #89678 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA v. : NO.04-6110-CV AMY 1. DANIELS Defendant : CIVIL ACTION - LAW Plaintiffs Motion for Summary Judgment Plaintiff, Citibank (South Dakota) N.A., by its counsel, Burton Neil & Associates, P.C., moves for summary judgment pursuant to Pa R.C.P. 1035.2 against defendant Amy 1. Daniels and in support thereof avers as follows: 1. The pleadings, which consist of the complaint and amended answer, are closed. 2. Plaintiff served defendant with requests for admission which defendant failed to answer. A copy of plaintiff's requests and proof of mailing are attached hereto as Exhibit A. 3. The pleadings and discovery disclose that there are not any material facts at issue. As such, plaintiff is entitled to summary judgment as a matter oflaw Wherefore, plaintiffCitibank (South Dakota), N.A. moves the Court enter summary judgment for it and against defendant Amy 1. Daniels in the sum of$11,578.43 plus the costs of this action. BURTON NEIL & ASSO lATES, P.C. einstein, Esquire for Plaintiff In making this communication, we advise our fmn is a debt c lector. . , ~ :. ~ Burton Neil Edward 1. O'Brien Jay H. Pressman YalcD.Weinstein Shane B. Kope, Esquire Law offices of Shane B. Kope 4660 Trindle Road Suite 20 I Camp Hill, PA 17011 ..., LAW OFFICES URTON NEIL & ASSOCIATES, P.C. 1060 ANDREW DRIVE, SUITE t 70 WEST CHESTER, PENNSYL VANIA 19380 6IO~96-2120 Facsimile 610-696-41 II Email: Burton.neiJ@burt-law.com June 3, 2005 SENT VIA CERTIFIED MAIL RE: Citibank(South Dakota) NA v. Amy Daniels Dear Mr. Kope: Refer to File # c-4479 matter. I herewith serve upon y u plaintiffs First Set of Request for Admissions in the above referenced YDW/cql Enclosure Very truly yours, Yale D. Weinstein I In making this communication, te advise that this office is a debt collector. EXHIBIT A- II1I . , , " . . BURTON NEIL & ASSOCI TES, P.C. By: Yale D. Weinstein, Esqu Identification No. 89678 1060 Andrew Drive, Suite 17 WestChester,PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK (SOUTH DAKO A) N.A. Plainti : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA VS. : NO.04-611O-CV AMY L. DANIELS Defen1ant : CIVIL ACTION - LAW Plaintiff's 1irst Set of Requests for Admission to Defendant Plaintiff, by its under~gned attorney, hereby serves upon defendant the within Request for Admissions pursuant to P~.R.C.P. No. 4014. Your attention is called to Rule 40 I 4(b) which provides: ' Each matter of which rn admission is requested shall be separately set forth. , The matter is admitte unless, within thirty days after service of the request, or within such shorter or longer time as the court may allow, the party to whom the request is directed serves upon the party requesti g the admission an answer verified by the party or an objection, signed by the party or by the arty's attorney; but, unless the court shortens the time, a defendant shall not be required to serve swers or objections before the expiration of forty-five days after service of the original proces~ upon him or her. , I If objection is made, ~e reasons therefor shall be stated. The answer shall admit or deny the matter or set forth in detail the reasons why the answering party cannot truthfully do so. A denial shall fairly n~et the substance of the requested admission, and when good faith requires that a party qualifY t answer or deny only a part of the matter of which an admission is requested, the party shall spec fY so much of it as is true and qualifY or deny the remainder. An answering party m y not give lack of information or knowledge as a reason for failure to admit or deny unless the an wering party states that he or she has made reasonable inquiry and that the infonnation known or readily obtainable by him or her is insufficient to enable him or her to admit or deny. A party ho considers that a matter of which an admission has been requested presents a genuine i sue for trial may not, on that ground alone, object to the request. That party may, subject to the rovisions of Rule 4019(d), deny the matter or set forth reasons why he or she cannot admit 0 deny it. lUll .. .. . " Requests for Admission I. With reference to t e monthly billing statements for defendant's credit card account with plaintiff copies of whic are attached hereto as requests for admissions exhibits I through 25: a. Defendant admits at the detail set forth in each monthly billing statement accurately reflected for the monthly bil1i g period defendant's use of the account and accurately reflected all charges and credits to the acc unt. b. Within 60 days aft r defendant's receipt of each monthly billing statement defendant admits that no writing or othe communication disputing, protesting or objecting to any of the charges or credits appearing i the monthly billing statements was sent by defendant to plaintiff. c. Defendant admits $It with respect to each monthly billing statement, a written billing error notice was not sent to pl~intiff. 2. Defendant admits t~at after receipt of the monthly billing statements marked exhibits 1-7,9-1], 13, 15-20, defenctmit made a payment which was reflected as a credit in the following month's statement. I 3. Defendant admits t at after receipt of the monthly billing statements marked exhibits 8, 12, ]4, and 21-25, defend did not send a payment to plaintiff. , ,- . , nil 4. Defendant admits hat the last payment made on the account was posted by plaintiff on April 15, 2005 and is reflect in the exhibit 21 monthly billing statement. 5. Defendant admits t balance owed on the account is $11,578.43. BURTON NEIL & ASSOCIATES, P.C. By: Yale D. Weinstei~ Esquire In making this communicatio~, we advise that this office is a debt collector. ,- nil , , Verification I, Amy Daniels, defendant in he within action, hereby verifY that the statements of fact made in tbe foregoing Reque 15 for Admission are true and correct to the best of the undersigned my knowledge and belief. Th undersigned understands that the statements made herein are subject to the penalties of 18 a. C.S. Section 4904, relating to unsworn falsification to authorities. Date: .[ Amy Daniels 011 09/10/0Z ~~~.m=l~ $5371 75 tgWlit ~f1 $196.00 ~@~~;@f~@ 5ITE:KC-CL TM:CO-6300 OZ/17/05 ACID:KCBI8Z7 21:05:47: AMY L DANIELS 303 11 TN ST NEW CUMBERLND 17070-1309000 elTl CARDS P.O. BOX Bill 5 HACKENSACK. NJ 07606-8111 PA Select. Card rot' Custo_r $otVlc:.. tal or wm.- eiti- Platinum 1-800-950-5114 Ac<cunt Number Te,..cft-,,-,_.n._h 80X 6500 5424 1801 1884 5574 __~c...... SIOUX FALLS. SO PAT_UT .IIST I[ 'lCU'U n 1:00 PfI LOl:IiL T1_[ O. 09/ O/ZOOl Ml..._r-rlo#ItL 57117 sta.t_.ntlClosll'l9D.le TotalCradilUIlIP "vai~"C itLilliP Cash Ad..anctl Linlil AVillila_C~ Limit tt_IIBlCIlllol:. o8/16/Z00Z $9Z00 $ 8Z8 $200 $ZOO $5371. 75 ~~:f Oft' Past Ow Plrrctl/Ad.. MlIlllft,I.....mout\l Due LIM MlnlrraunOUe $ .00 + $85.00 + $111_00 = $196.00 s.. _. Post w. .......-=- Hu..r ActtvM:y M.a..t~."t ....... Stlndanl Pu eh 8/16 LAlE HE - UL PAYMENT PAST DUE 35.00 66 0000 0000000000 7/18 7/18 RWXR3XC6 5UPERPETZ I 27 "ECHANIC58URG PA 176.66 61 A0742US 1601 B0416012200 7/18 7/18 8YN7oo00 PAYPAl (402)935-7733 CA 17.04 61 AB999US 6606 78184212200 7/20 7/20 98042019 WAL NART NARRISBURG PA 15.02 61 A531DUS 1065 70483822201 7/20 7/20 0540.SNO GIANT FOOD 056 518 NEW CUNBERLAH PA 40.12 61 A541lU5 1340 81444002203 7/25 7/25 NL2B90Y4 wEST SHORE H HOSPIT HEW CUM8ERLA PA 142.50 61 A0742US 1065 70480772207 7/27 7/27 6.51.716 WEST COAST VIDEO 1101 LEMOYNE PA 8.50 61 A7841U 1065 70446412209 7/27 7/27 rZD-IVRD GIANT FOOO 056 518 NEW CUMBERLAN PA 55.60 61 A541lUS 1340 B1444002210 7/28 7/28 Y4QBF300 AOL .ONLIH[ ERVICE 070 800'827-6364 23.90 61 A4816 3286 78432862209 7/29 7/29 F601H8WP [BAY ONLIN PA Y"EHT BIL LPO IHT CA 13.98 61 A8999US 1065 78429502210 7/29 7/29 G5LOIF3P GMC 100Z48 CAMP HIll PA 10.99 61 A5499U 1065 23446412211 7/30 1/30 K82 "KCJH "[55 . 384 LEMOYHE PA 17.71 61 A5541U 1065 23548072212 7/30 7/30 lfW4JYF3 OR JONN F HOREN 00 HARR1S8URG PA 48.00 61 "S04ZU 2979 704297922lZ 7/31 7/31 2C8J2*06 WEST COAST ]vlPEO 1101 lEllOVHE PA 6.90 61 A784IO 1065 70446412213 8/02 B/02 JZD.KGJH HE55 I 384 9 l010YHE PA 7.00 61 05542U 1065 23548072215 8/02 8/02 850*6*00 BRY.CHAOWI K TEL ORo 800-525-4420 31.96 61 A5969 PLIES 3286 78432862214 B/02 8/02 2F1NIQOO PEl TAG SU! ~RDJlORE PA 12.70 61 A5995US 6B97 78500802214 8/04 8/04 LX7T3CQ6 5HEET2 122 HAUF'AX PA 4.00 61 05542U 6333 23483072217 8/05 8/05 JGN6RTY6 CV5 Nl6ZZu, LE"oYHE PA 32.59 61 A5912U 1065 7043845ZZ18 8/06 B/06 6XS7.116 WEST COASl VIDEO 1101 LEIIOYHE PA 7.99 ., AlS..III 1065 70446412219 8/06 8/06 YSOWrCWD GIANT FOOD 1056 518 HEW CUM8ERLAH P' 90.74 61 .5411U 1340 81444002219 8/0B 8/08 7 W{;Z810B EXXON_08Il 8 09720467 CAYP HIL PA ID.oo 61 05542U r 6440 2:3486802221 8/09 8/09 JVCLJICD COLOUR fOR ~ CAMP HILL P. 70.00 61 A7230U 1226 78546552223 8/09 8/09 PS88FKOO MWI.CONN[C I OHS 800~750~4364 109.95 61 A5968 3286 78432862221 8/11 8/11 CDTG8PS5 wEST COAST V IDEO 1101 lEIfOYHE PA 4.00 61 A184111 1065 70446412224 8/11 8/11 -SNDlCyD GlANT FOOD . 056 SI8 NEW CUYBERLAN PA 65.58 61 A5411U 1340 8144400222. B/12 8/12 JPK8VP5K RlIE AID 5 ORE 0418 NrW CU"8ERLA PA 2_49 61 A5912Ui 1065 70499612225 EXI:IIBIT I . . 54111 D_ hst 0.1. 8/12 8/12 8/13 8/13 8/14 8/14 8/14 8/14 8/14 8/14 8/16 .aI.r.Ke.......... Y2X,,"7F6 RDOBKGJH CRXR68HJ D2R9YQ-O BQ6HRDK6 n.t AdiYlty Atc:el.t stat.mtflt KIMBERLY'S CAMP HILLCAMP PA 61 AS999US 1601 HESS . 384 9 lEMOYHE PA 61 DS542U 1065 liMITED ST RESOODOB74B HARRI58URG PA 61 AS6Z1U 1019 APPLE8EE'S 07101009 HARRI5BURG PA 61 A5B12U 1019 GAP 16606/ HE HARRISBURG PA 61 A5999U 1117 PURCHASE5' INANCE CHARGE'PERIODIC RATE 84 0000 I I eitl Car~s saJings Total pai nts I , C]TI CARD5 S~VIHGS 5UM.ARY , Prevfous Point Balance Purchase Point Earned Last Period Total Poi 015 . 5.S06 TOTAL 4,311 1.195 5.506 Enjoy the QUal11'tv of tit, Cards SavinQs products! See our webs;t , www.citicardsavings.com or call 1-88B-530-9Z11 for DOre infor~tio"! , Your account i past due. In order to redeen or continue earn; q tit; Cards Savings points, please send tbe Minim _ A~unt Pue. If your pay~nt has already betn s nt, thank you. The Annual Per entage Rat~ on your account nay increase due t one of the following reasons slated in your Card AqreeMent with us: it you fail to make a payment to us or any other creditor when ue, you exceed your credlt line or you make a aYAent to us that is not honored by your bank. ; I Get 30 days O~OPtional Citibank Credit Protector fREE when you oroll tOday! Simply initial as indicated In t e lower le t-hand corner of your billinQ state nt coupon~ Remember to return the coupon with yo r pay~nt. Please sce thCtenCIOStd Change in Terms notice for important info ~tion about changes to your Card Agreellent. ; Congratulation Use the higher major fur chase YDurse ,. What IlOre financial on your recent crcd;t line increa5e! line for a family vacation, to make a Dr to get something special for vcr you choose, it si~ly qives you fleXibility. Teach your kid .oney ~nagement and give the~ more of the freedom they want wlth Citi(R) Cash Card. a new pre-paid c rd. YDU set their spending limit, they qet the c nvenience of a MasterCard(R) card. Enroll at .~. ashcard.citicards.com I ___nt 97.5Z 80416012225 17.03 23S48072226 19.65 70410192Z27 27.4B 10410192227 6,97 70411172227 55.2B 0000000000 . - HlI s.,.. o.f. ,..,,~. Jt.,...... Hu"'..... Account Sumrn..-y PURCHASES ADVANCES TOTAL R.te SUtnmary PURCHASES Standard Purch ADVAMtES Standard Adv AetNtt, $I_laM Shbl...lIt We just nade I terRet Access More Affordable! Get AT&T World et Service with One Month rr~e!* OnIV S14.9S- a ..ntb. C.ll 1-888-731-4215. ..t. 7142 Or visit http: dQwnload.att.net/citi~9149S .Terms and con 1tions apply. Call your 'rj e Enroll in c2H a rrtt Virtual of tre~ intern learn lhOre at ds and 'a~lly overseas tor free! sm) money transfer services and Qet AT&T Phone card~ up tu 100 Minutes tional calls. w.cZit.coM/freecal1s21 revlou5 BI!lIanc:e S4.086.90 $0.00 S4,086.90 [... urc aSe$ & dvanc:es S1.ll..57 SO.OO $1.229.57 + CHAIlGE $55.28 $0.00 $55.28 (-J Payments & Cr.dits 10.00 0,00 0.00 .......1 =) New Janc:r S5.371. 75 $0.00 S5. 371. 75 D. ThIs 8PlI Perklfj: 30 a ene. U JIte . .... " Nomina ANNUAL f1nance Ch.lIf e Rate APR PERCENTAGE RATE $4,752.91 0.03877"'(0) l".lSO~ 14 .150'1\ SO.OO 0.05477'1\(0) 19.990'1\ 19.990'1\ nil ,. 10/11/02 MW~~#ltl~ $5972. 1 Mt!i{=,,'~ ,,% $124.00 ;1!iit~t#&f SlTt:KC-CL 111:CO-6300 02/17/05 ACIl>:KCB1827 21: 05:47: AMY LOAN 1 ELS 303 lla S1 Ntlf CUIIBERLND 17010 -1309000 ClTI CARDS P.o. BOX 8111 S HACKENSACK, NJ 07606.8111 PA ~ard F'orC\.Istomrtr$..-v".,can D'"rlll Citt Platinum Select- 1-800-950-5114 \.rcount Humber 1'".r"",""~"","" 80X 6500 ;424 1801 1884 5574 ..\tIh........--._ SIOUX FALLS. 50 '.uNUT .un IE W[CU.,U ." 1:00 PII l(lCAL 11'" 01 101 l/ZOOZ -...-,.......... 57117 iil~_ntJCIlK&"' D,t,. rot.'CrecfitU"" "r~W1"C \tlu. ClshAchoillnclllrnil t,.,1IiIu,-CashLimit ".....8.'-n(. 09/17/2002 $9200 $3 227 $200 $200 $5972.B1 .- tOver PnIDu. PurclV'Adv IIlniftJmA/mUIlt Due erHi ..... Iol~~. $( .00 . $0.00 . $1Z4.00 = $124.00 s.. D.t. PnI ht. '.I.,.'~ N_lle, .IIettwRr ~lDtst"'.m...t -.. P.l_nhh~ .d;ts , Adjust~nts 8/19 43957266 PA MEHT H K VOU -85.00 70 0000 0000 9/10 41668071 PAVMEHT THA K VOU -196.00 70 0000 0000 St.,.derd Pu ch 8/16 8/17 SPHZ5FKJ LIMITED STO ESOOO00091 CAMP KILL Po 22.05 61 A5621US 1019 70410192229 8/16 8/17 aZSH.956 PIER 1 1211 00008409 CAMP HILL PA Z4.38 61 AS999US 1019 70410192231 8/16 8/11 GNDH1'90 GALLERY CAR AND GI FT CAMPHILL PA 4.15 61 A5947US 6741 10457372230 8/17 8/17 C5TLPC6S FAlRVIEIf IN Ml LLERS8UIlG PA 10.00 61 A581ZUS 1141 70470822232 8/20 8/20 90HPY020 GIANT FOOD 056 518 NEW CUM8ERLAH PA 54.93 61 AS4UU 1340 814 44002233 8/Z1 8/Z1 CP3CKGJH HESS . 384 LEIIOVNE PA 15.65 61 DS542U 1065 2354801223S 8/23 8/23 P1YYX306 HOUSE or C DS CANP HILL PA 10.50 61 AS947U 1065 70457372236 8/23 8/23 CZYNJP30 SEARS ROEB K 2624 CAMP HILL PA 35.00 61 A531lU 1065 7054186Z236 8/23 8/23 W'Z7YWV6 PARTY " NO [ L[tlOYNE PA 1_40 61 AS999U 1117 70411172236 8/23 8/23 H01S630 CLAIRE'S B U TIOUES 540 CAMP HILL PA 11.39 61 A5631U 1340 80444002237 8/Z4 8/24 YKLHHV20 CARNAHA.NS HEN CUNBERlA PA 19.7S 61 A5812U 1065 70446412237 8/25 8/25 72HCBC"'S OLLIE'S BA G AIN OUTLE MECHAHICS8UR PA 6.01 61 A5651U 1(165 70498722237 8/2S 8/25 P4ZDB"19 WAL MARl IrIECHANICSBUR PA 16.82 61 A5310U 1065 704838ZZ237 8/25 8/2S Qr8JZ.06 WEST COAST Y IDEO 1101 LEMOVNE PA 4.00 61 AT841U 1065 70446412238 8/25 8/2S CR2WVFG6 PETSMAR7 . 0 583 MECHAHICSBURG PA 28.60 61 AS99SU 6333 8048307223B 8126 8/26 JOY3P040 GlAMT FOOD. 056 518 HEN CUM8rRLAH PA 53.81 61 A541IU 1340 81444002239 8/28 8/2B P4HLOf'O APl'LE8EE'S 07101009 HARRISBVRG PA 16.60 61 AS812U 1019 70410192241 8/28 8/28 55wx7DOO ADL.OHLIltE S ERYICE 080 BOO-827-6364 VA 23.90 61 A4816U 3286 18432862240 8/31 8/31 KJCDXHX) MEDIA PLAY 08181901 HARRISBURG PA 32.8' 61 AS73Su lOl9 70410192244 8/31 8/31 eX2DHGBR ExxONMOBlt 9 09655879 HARR1S8U PA 16.54 61 A5541U 1019 23486802244 8/31 8/31 3G"'BJ""'S PARTV CITy 0 F E HARRIS EAST HARRIS8 PA 4.29 61 A5999U 1065 70488722244 8/31 8/31 GCTG8PS5 WEST COAST Y 10EO 1101 LEMOVftE PA S.OO 61 A7841U 1065 10446412'244 8/31 8/31 VWGZ7DH6 SUPERPETZ HARRISBURG PA 31.S6 61 AS995u 1601 8041601Z244 9/01 9/01 B7QTCG66 TOYS R U~~ 8 31S CAMP KILL PA 21. 9T 61 A594S 1065 70434Z5Zl45 EXHIBIT /) 11I1 ,. h.. tNlt. ,... 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L.t st.t._.., -.. 9/01 9/01 SY44R080 GIANT rooo 1056 SI8 NEW CUM8ERLAN PA 48.99 61 85411U 1340 75444002249 9/01 9/01 lG"J04H6 KIRKL....O'S 1282 CAMP HILL PA 21.19 61 AS3J1U 1601 80416012245 9/01 9/01 34878_00 CP'"COLOlIF L IMAGES 1 800-272'9209 CO 11.90 61 A5969U 3286 78432862144 9/04 9/04 nV4BTV6 CVS 11622 LEIIOYNE PA 89.99 61 AS912U 1065 70438452248 9/05 9/05 IB8J2"06 NEST COAST VIDEO 1101 LEMOYNE PA 5.S8 61 A7B41U 1065 70446412249 9/07 9/07 OCK.kGJH HESS I 384 9 LEMOYNE PA 4.00 61 A5541U 1065 23548072252 9/07 9/07 TZ85Y2N_ GABRIEL 8R THER5 NECHANIC58URG PA 24.18 61 A53100 1141 70504992251 9/08 9/08 S84LPJ9Q GIANT FOOO 1056 518 NEw CUMBERLAN PA 47.08 61 AS41lU 1340 81444002252 9/11 9/11 6YPVR2LO KEYSTONE C NOLES HARRISBURG PA 34.75 61 A5999U 1500 80418702255 9/15 9/15 L987P4CO GUNT FOOD 1056 SIB NEW CUMBERLAH PA 71.34 61 A5411U 1340 81444002259 9/lT PURCHASES" INANCE CHARGE'PERIODIC RATE 45.32 84 DODO 0000000000 I , , (it; Cards Satinqs Total points I 6.343 , CITI CARDS SfVIHGS SUMMARY" TOTAL PreviOUS Point Balance 5,506 Purchase Point Earned last Pedod 837 Total Points 6.343 Rrtail an~ di"l"Q gift cards. 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Or visit http: /download.att.net/citin59149S .Terms and con tttons apply_ , Prr; us B.la CI' SS,371.15 SO.OO SS,311.1S f+) ure 8SU " dV.ne~s 836.74 SO.OO 836_74 (-) .ymen s " Cr.dits $281.00 $0,00 S2B1.00 (+) CHARGE $45.32 $0.00 $45.32 -- 7142 (== ew Silence $5.972:.B1 $0.00 $5,972.81 a .,ce ,foe 0 Finance Char e Perl Ie Rate Da I This Sill Pe-,foct 32 omlna ANNUAL APR [RCENT GRATE $5,750.06 0.02463"(D) D.OS471%(O) B.990% 19.990% S~ 8.990'" 19.990"" , , 1111 .. 11/11/02 $6665 50 $138.00 ~j~~~~{ {(<<if.:.::" '.~~i.~~ t.lfil@@ SITE:KC'CL rM:CO-6300 ACID:KCBI827 02/17/05 21:05:47: AllY L DANIELS 303 11TH ST NEW CUMBERLND 17070 ,1309000 CITI CARaS P.O. BOX 8111 S NACKENSACK, NJ 07606-8111 PA Citi$ Platinum Select- ~ard rot C'ustlllftlr S.rvk.. eel r:JJ( wrlle 1-800.950-5114 Account NlJm~r hr,,*,*~___'" BOX 6500 5424 1801 1884 5574 ........-..; ~"l SIOUX FALLS, SO PA'nlUT ..un .t Il[C(IYED IT l:OO P. LOCAL TIM( 011 )1/ l/lOOZ -r'-,....""*" 57117 Stat~nt/r;.IO$il)9o.1' ToIalC~.Li.... "''lIaiQbteC ~itL1"" CuhAd"ArIC.llmlt ....~abll[.II$"timlt H...BIIL1,,~ 10/I7/Z002 $nOO S 534 $200 $200 $6665.50 ~; ~' P;IIst"P.... Purch/Adv "il'limu",a.IftOl,W1t~ "1ni~rnDu. $ . 00 + $0.00 . $138.00 = $138.00 s.." o.~ Post 0.\. R.,<<etIC.....In...r Adhtt, S1K_ L_t st..~....1It "-In! Pay..nts. redits , Adjustments 10/11 61309252 PAYMEMf TNA K YOU -142.00 70 0000 0000 Standard Pu <h 10/17 LATE FEE - EP PAYMENT PAST DUE 35.00 66 OODO 00000??oo0 9/21 9/21 OHF6CYB8 CYM80REE . 65??oo3657 CAMP HILL PA 61.42 61 A5641U 1019 70410192265 9/21 9/ll QPG38R30 AEROPOSTAL 1337 CAIfP HIll PA 39.50 61 A5691U 1065 70431772265 9/21 9/21 Z9LFlS30 HECHT'S 1928 JEWEL CAMP HILL PA 35.28 61 A5311U 1065 70541862266 9/24 9/24 GFGR3806 CLASSIC OR CLEANER 5AE LEWOYNE PA 12.06 61 A7216U 7239 80536062268 9/25 9/25 CXF9L8PN TNE KHCHE C000113506 HERSHEY PA Zl.19 61 A5119U 1019 70410192269 9/25 9/25 -H8Y810B EXXONM081L 8 09714494 HARRIS8U PA 22.93 61 05542U 1019 23486802269 9/25 9/25 lIGN4HO CLAIRE '5 8 aTIOUES 655 NERSHEY PA 30.48 61 A5631U 1340 80444002269 9/28 9/28 CKN78S00 AOL'ONlI NE SERYICE 090 800-827-6364 VA 23.90 61 A4816U 3286 78432862272 9/28 9/28 CM4lt6MK6 P(TSNART . 0583 M[CHANJCSBURC PA lZ.71 61 .5995U 6333 80483072272 9/29 9/29 06RW3Gy7 PARTy N MO E LEMOYHE PA 8.60 61 A5999U 1117 70~11172273 10/02 10/02 ZSOLJtCD COLOUR fOR E CAIfP HI Ll PA 55.00 61 A7Z3OU 1226 785~6552276 10/02 10/02 M09XCQJO OSHKOSH 10 7Z NERSHEY PA 34.00 '2 A56-41U 134D 80444002276 10/04 10/04 06'RT330 UNDERNEATH IT ALL LEMOYNE PA 39.00 62 AS941U 5828 704~641ZZ78 20/05 10/05 7KDS8TV6 cvS .1637 >>)LLERSBUJlG P. 96.58 61 AS912U 3845 70438452279 10/07 10/01 G6RY8108 EXXONM081L 8 09655655 HARRIS8U PA 23.65 61 05542U 6440 23486802281 10/07 10/01 W8L8YP5K RITE AID 5 ORE 0418 NEW CUMBERlA PA 9.99 61 A5912U 6715 10499672281 10/01 20/07 O'1I'4CXIl'0 PAIHTlNG R P RHIHOS HARRISBURG PA 6L80 62 A5641U 7106 80502782281 10/09 10/09 VYHJTOOO lCO.CCB-})A ]S 800-758-1337 HY 20.75 62 A5969U 3286 78432862282 10/09 10/09 MCrt0366S LYALLS COU TRy STORE HARRIS8URG PA 56.18 61 A57Uu 5370 1018253Z283 10/12 10/22 8JW~CprD MA1HIES CH ISTII"S AND CAMP HILl PA 21.20 61 A5941U 7185 92546552286 10/14 10/14 9W086232 GI AHT fOo STORES ISlA CUM8ERLANO PA 66,27 61 A54UU 7660 71541862288 10/17 PURCHASES' INAHCE CHARGE"PERIODIC RAIE 47.20 84 0000 OODOOOooOll Citi Cards Sarin9S 7.095 Total points. I i EXHIBIT ,3 1111I . . . ." 5." 0.1. Post pft. R,I.'K<llfunIur Aettrlty .e. Lat st.t111Mftt . CITI CARDS SA IHGS SUMMARY . Previous Points Balance Purchase Poin,s Earned Last Period Total Points TOTAL '.343 752 7,095 , , Retail and dini~ gift cards, AT&T Phone Ca~ds. statement credi s... These are all options in the tit; Cards Savi s rewara selection. S~ our website. "w.e 'icardsavinQs.coM or call 1-888~S30-9217 or more inforMationl YOU MAY QUALIF~FOR A SPECIAL LOW BALANCE TRANSFER RATE AND OTHER URRENT ACCOUNT BENEfITS !! Oon't wait - log ont balancetransfer.accountonline.coM or call 1~BOO-9S0- 11~ to find out ~re. Teach your kld~S' ~oney manage.en' and give them ~re of the rreedOM they wan' wlth Ci'i(R) Cash Card. a new pre-paid c rd. You set their spending limit. they get the co venience of a MasterCard(R) card. Enroll at www. ashcard.citicards.com Have a qucsti~oabout your account? Instead of calling Cuslo r SerYic~. s~nd a 5ecure message onlih~. Youl" eceive a response within. hours. Just sl9n.on at citicards.co~ and selcct Write To Customer Care nder the Help/Contact Us menu. , Early detectio~can save lives fro~ breast cancer. To lear MOre about ~.mo9rams. clinical breast exams a d breast self-examlnation~ call your ~rican Canee Society at 1-800-ACS-234~ or visit www.cancer.or9 Did you know t!t you won't lose a penny when you use your Cit;( ) Card online? With C;llbank's SO liabllity promts~. you can have peace or mind knowing that y u won't be held responsible for any unauthorized c i rges on your account. Credit protrct covers your account ;R case ot job loss, disabilit or hospitalization. Also reccive special ~ne'it for events like marriage. beeo.log a parent, or yjng. Call 1-871-891-5671 10 siqn up and recelve yo r flrsl 30 ~ays of protection Free! Get tree AOl S Prograll - wi th earn I free mo Citi end. ao~ ht free month vice! Sign up 'or the AOl Oinlng every $200 qualiried spend. you'll th of AOL service. Sign up wlth a ou'll qet a $25 cred,t toward5 your of serV1CC. AOl Keyword: $lSextra -.. \. 5'" tNt. '"' DVe .I'.tnce NW'lIkr I I I .......rt.LootSt...- I ! I i I ! AecOWlt Summ.-y rrVIOLlS It) cases (- aymen s alance &A v.nets Cre-dits PURCHASES $5,972.81 87.49 $142.00 .OVANCES $0.00 $0.00 $0.00 TOTAL $5,972.81 87.49 $142.00 Rat. Summary . ance J.e 0 orlo Ie rlnllnte CharQe Rete PURCHASES Standard Puretl. $6,388.29 I 0.0246311(0) ADVANCES Standard Ad. $0.00 ! 0.OS417MO) 1- 1111 - o. fhl, BUlIn Period: 30 omlna ANNUAL APR PERCENTAGE RA 8.990'1. 19.990"' 8.990'1. 19.990~ ...( \. lZ/10/0Z $7Z07.91 $150.00 aifi}lii1iW r:::~:~'~~:~.:-~:. :~::~-;~ f:i~l~~i 5ITE:KC-CL TN:CO-6300 ACID:KC818Z7 OZ/17/05 Zl:05:47: ANY L DANIELS 303 lITH ST NEW CUMBERLND 17070-1309000 C IT I CARDS P.O_ BOX B111 5 HACKEH5ACK. NJ 07606-8111 PA Cit!" Platinum Select~ ard rorCIDlOA'ltrS.rvIc..c.uorwrtt. 1-800-950-5114 Account Numb.r 54Z4 1801 1884 5574 'UMllH "'Sf U fl[C[JVU IT 1:00 'II LOUl T1II1II: U 11./ 0/20D2 h '....11I1.. __.... ..w.~~_ ,.,..-t-"""" BOX 6500 SIOUX rAll5. so 57117 S!ahmItnt!C10$!1'l9 o.t. Tot.,CNdif(,,,,,, ..."all"',r itlir. Cnb..lf....ncrlmit AVoililableCashlimit "_Balahoe 11/15/2002 $9Z00 S 992 S200 $ZOO $7207.91 t;:'dlf to.,., ".mOue Purch/AIl" Mi"irn.JmAmoufltDIJ' UN Millilllllml>.l, $ .00 + SO_OO + $150.00 = $150.00 s.... D.t. Post Delt. R.I.... Mum"', -"1_ IBee LaSt statem.nl ......., P.~...nts, t .dits 5 Adjustments 11/11 43222633 PA MENT THA KYOIl -16l.00 10 0000 0000 11/04 11/04 6VWIIOMOO GAllERIA U B88'241,0050 CT '139.95 11 S969US 2019 75414912308 Standard Pu ch 10/16 10/18 HR02N308 OLD NAVY 16 50 HARRISBURG PA 66.50 61 A5999US 1117 10411112290 10/16 10/18 8--4BKCJH HESS I 3841 ~ LEMOYH( PA 23.BO 61 05542US 1931 23548012290 10/IB 10/IB SYWIOrW6 GERBER TA8R CS lEII()VHE PA 45.00 61 A5949U5 1601 B0416012292 10/21 10/21 HB47232 GIAHT rOOD TORES ISlA CUMBERLAND PA 51. 86 61 A5411US 7660 11541862295 10/25 10/25 NsrVH600 GAllERIA US B88- 241-0050 CT 139.95 61 "5969US Z019 7541491229B 10/26 10/Z6 2N41S0NS KAY-8EE TOV 00043158 TANNERSVlllE PA 15.89 61 A5945US 1019 10410192300 10/26 10/26 900'TP30 JONES NEH Y RK 1412 lANNERSVIllE PA 11.50 61 A5661US 7660 70541862300 10/Z6 10/Z6 KV JVQZ32 MAlDENrORM UTLEY 146 TANNERSVlllE PA 18.00 61 A5611US 7660 70541862300 10/Z8 10/28 KR4TZ.OO AOL .OHl1H[ [RYleE 100 800-827-6364 VA 23.90 61 A4816US 3286 78432862301 10/Z8 10/Z8 SX255232 GIANT rooD TORES ISlA CUM8ERlAND PA 45.06 61 A5411US 7660 71541862302 10/29 10/29 Z263VVHJ RED ROBINI3 7 NERSHEY PA 43.21 61 A5812U5 1134 80417342303 10/29 10/29 2D7HCR30 CARTER'S C DR"WR 1695 HERSHEr PA 20.20 61 AS641~, 7660 70541B62303 10/30 10/30 9J"9KGJH HESS I 38~~ L[II()YNE PA Z3.17 61 D5542U 7931 23548072304 11/05 11/05 .107BTv6 CVS 11630 MEw CUMBERlA. PA 92.59 61 A5912US 3845 70438452310 11/05 11/05 TN8ZZ66S THE I NNER U~ ~NECTION NEW CUMBERlAN PA 19.06 61 A5947U 5370 101B2532310 11/10 11/1D 5B7H0803 8E" rRANK~~ CRArTS .3 MECHAKICSBURG PA 18.03 61 A5945u 5079 70450792314 11/10 11/10 X8"432]2 GIAHT rooD TORES ISlA CUMBERLAND PA 78.96 61 A541lU 7660 71541862315 11/10 11/10 TK9*KGJH HESS I 384 lENOVNE PA 26.51 61 D554ZU 7931 23548012316 11/13 11/13 lWVN1689 OLD NAVY . 50 HARRI58URG PA 29.44 61 A5999US 1111 7041117Z]18 11/15 PURCHASES.f NANCE CHARC[.PERIODIC RATE 50.67 84 0000 0000000000 I CHi Car~s sa~nqs 7.748 Total pOlnts I i Lt i EXHIBIT . . " om 5." 0.1. PoI.t OM. .....1WKtI ...."'..... AdMtr tIC. last Stat.m~t -.. . CITI CARDS SA lUGS SUMMARY . Previous Points Balance Purchase Points Earned Last Period Total Points TOTAL 7.095 6S] 7,7'. Retail and dini~9 gift cards. AT&T Phone Cards. state~ent credits... These are all options in the eiti Cards Say; qs reward selection. 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R.'.riMC4 Numtl_r -'=CWIt, ..._St.u...-t .....,t AClI;ount SUmm.-y reVIOUS (+) urc ase-S (. syme- s (+) ANC (=)Nl!W 8alancr & vane.s & Credits CHARGE Balance PURCHASES S6.665.50 792.69 S300.95 SSO.67 $7.207.91 ADVANCES $0.00 $0.00 $0.00 $0.00 $0.00 TOTAL S6.66S.50 792.69 $300.95 $50.67 $7.207.91 D. This BlIll P.,iod: 29 R:at. Sumnwry Ii ance ,.e D eno Ie NDm na ANNUAL Finance Char t Rate AP~ PERCENTAGE RATE PURCHASES Standard Purch $7.093.96 0.01.6n(D) 8.990% 8.990% ADVANCES Standard Adv $0.00 0.05477%(0) 19.990% 19.990'1. . . \. 1181 01/10/03 ~~~:~'~~1*@ $7687 92 $160.00 ~1ti~~.';~f ~_~~t SITE:KC-Cl T"':CO-6300 02/17/05 AMY l D_NIElS 303 11 TH ST NEW CUMBERlND 17070-1309000 ClTl C_RDS P.O. BOX 8111 S H_CKENS_CK, NJ 07606-8111 p- Citi. Platinum Select. Card rorCIls.fllnwfS.ntcI, C"Ot" .....tt. 1-BOO-950-51H Account NlJm~r 5424 1801 IB84 S574 panUT IIUST I[ ,,[CtUU n 1:00 ... LOUL TI.t 01 011 OIZOOJ T................._...___ ...... ......~......I -...~......... BOX 6500 SIOUX FALLS, 50 57117 Sl;rt~/CInsi1lq~t. Tot.l C~.. U~ ......>>il.IllIICr itLil'lf' Cnh..d",.fIC.l....a .....lIil.bllrCallLimit flltW 8..knDt 12/17 /2002 $9200 $ 512 $200 $200 $7687.92 ~~~ ",", PastOl.l4l Putch,fA.d\I t.4lnirnum Amount Due Uno Mlni.....,.OU. $ .00 . $0.00 . $160. DO = $160.00 s... o.t, Post. o.t. R.f....nce MIIItt'.r """'r r.c. Let St.tntHI ......, 'ay..nts. C edits' AdjustMentJ 12/11 41679215 PAYMENT THA X YOU -260.00 70 0000 0000 Shnd.rd ~~ ch 11/17 11/17 9YW4CPFO XATNIES CN STMAS ANO CAMP HILL PA 29.67 61 A594WS 77B5 70546552322 11/21 11/21 SXQLJICO COLOUR fORT CAMP HILL PA 55,00 61 A723OU5 77BS 7B546552326 11/22 11/22 Itr992B70 TOrS R us . 315 CAMP HIll PA BB.30 61 A5945US 3425 70434252327 11/23 11/23 XVNRXT03 BEN FRANX~l CRArTS .3 HARRISBURG PA 7.79 61 .594SU 5079 70450792328 11/23 11/23 6SY29232 FRIENDLY RE TAU RANT .7 HARRISBURG PA 15.54 61 A5812US p.,PANY 7660 70541862328 11/26 11/26 IVL3I1HOO COLL[[N & NALlFA. PA 26.50 61 .5946U 7542 92506452330 11/27 11/27 4Y4X61100 NSS-H16LWR MERCHANDISE B88'2B7-0743 CT 9.95 61 AS9MU 32M 78432862331 11/28 11/28 LOCGOXOO AOt "ONLINE [RVICE 110 800-827-6364 VA 23.90 61 A4816U 3286 78432862332 11/29 11/29 JX811TR88 GYMSOREE . 4 1600004168 YORK PA 21.09 61 AS641U 1019 70410192334 11/29 11/29 HlBOCRLZ TARGET 00012211 VORK PA 41.6] 61 AS310U 1019 704101923)4 11/29 11/29 OJN2VOSS NAILFlNITY YORK PA 14.84 61 A5977U 5828 70<46412334 11/29 11/29 89FTJOT6 SUNOCO NARRIS8URC PA n.03 61 05542U 6333 2348307Z334 12/03 12103 R"'084YHH PORTRU TS OR LIFE CAMP HILL PA 170.00 61 A7221U 1734 80417342338 12105 12/05 XMJ68TV6 CVS 11630 WEW CUM8ERlAH PA 92_59 61 A5912u 3845 70438452340 12/11 12/11 WIR83232 GIANT rOOD 5 TORES MS1A CUM8ERLAND PA 66.50 61 A5411U 106S 11541862346 12/17 PURCHASES' INANCE CHARGE"PERIOOIC RATE 59.68 84 DODD OOoooOODOO I C;ti Cards sa1'n9s Tohl points 8.42B . CITI CARDS 5 VINeS SUMIlfA;RY TOTAL Previ 0lJ$ Point B..l.ance 7,748 Purchase Point Earned last P~riod 680 Tot..) PDlnts 8,428 Retail and din 09 91ft cards~ AT'T Phone Cards. state~nt cred ts... These are all options in the Citi Cards Say ngs reward s~lec1ion. See our website..( www.iticard.savi nQ5 .com or call 1-888-530-9217 for more inror~tion! ACID:KCB18Z7 21:05:47: EXHIBIT .5 . . III :. 511" Det. Post.... II.I-._c:. flu., ActlYtty lIIn L.t stat.....t -.. HAPPY HOLIOAYS ROM ALL OF uS AT CITI! we'd like to ta e a ~men\ to thank you for be;fl9 ~ eiti ca d.e~er and let you xnow that we apprec; te yo.r business. War.est wishes for the pCD~in~ year. Use virtual Acelunt Nunbers tor all of your online holiday shoppin needs. Wltb this fREE service you can generate a ubstftute credit card nuaber to take the place of yo r act~al account AU.ber. Learn more and enroll tada at Citicards_com Teach your kid~ money ~naqement and qive them ~re of the freedom they want .lth eitieR, Cash C~rd. a ne. pre~paid c rd. You set their spending li.it. they qet the c nvenience or a MasterCard(R) card. Enrall at www.ihcashcard.coM Get award~winn AnT Worldnet( $14.9S a """lh 1-888-731-4215 or visit do""l nq Internet access for Jess. ) Service for eiti Cardmembers: ZO~ less than our standard plan. Call ext. 714l today. qet 1 ItOIIth free. . d~att.ne1/cit;DSQ1495 to start now! Credit Protect loss, disabili speclal bener; a parent, or and recelve yo r covers your account in case of job y or hospltali%ation. Al~o receive s for events like marriage beconrinq vlng. Call 1-817-891-5671 to sign up r flrst 30 days of protection free! Acc:.OlI'1t Summ..-y (IeYICUS +) ure as.$ (-) aymen s + A (o: New ala cr , dV'l'lces & Crfdlts CHARGE Belanc' PURCHASES $7 .201.91 680,33 $210.00 $59.68 $1,6f7.92 AOVAHCES $0.00 $0.00 0.00 lO.OO 0.00 TOTAL $1.20T,91 680,33 $26ll.00 $ 9.68 $7,681.92 Da s lh1sBIII p.,.JotJ: 32 R.t. Summary II IInCI! u :lI!C 0 fno Ie: Nomina ANNUAL Finance Chillf eo Rlltt APR E CENTA E RATE PURCHASES Standard Pure" $1.512.35 0.02463%(0) 8.990% 8.990% A!lVAllCES Standard Adv $0.00 0.05417%(0) 19.990'4 19.990% II.. :. OZ/10/03 ~l:::::~~rr~:;; $7850 27 __:@f $163.00 l~#M.i~ 5ITE:KC-CL TII:CO-6300 02/17 /05 AllY L DANIELS 303 11TH 5T NEW CUIIBERLNO 17070-1309000 C IT I CARDS P.O. BOX 8111 5 HACKEN5~CK, NJ 07606-B111 PA Clti" Platinum Select" :ard ror CWOI'Mf S,lYkl, cd OJ' write 1-800-950.5114 '-ccount Numbl'r ;424 1801 1884 5574 I".,.OT _liST It 1[I;11I1'ED IT ],;00 PI! LOCAL lIM[ 011 oZl j200J ,..............-- -.. ...... ...... e..... .. -...-....-.......... 80X 6500 SIOUX FALLS. SO 57117 UHtmM/CIosiIllJ Oat, T~l Crwdit L.. A"......~Ct nu,... Cn"AlI".ncILlmil A".ll~'l. C.1l Limit N_8.llllftU Dl/16/Z003 $9200 $1 349 $2DO $200 $7B50, Z7 .- 0.., Pest Due Purth/Affv NlrllmumAmounl: CUI Crecli L'M Minimum. ou. $ .00 + $0.00 . $163.00 = $163.00 s... nit. Post W. R......_~r ,l.C:t...., -=-lat st.t...at --" PIYMnts. C .dih &. .ldjust..nts 1/10 42506261 PAYMENT THA K YOU -200.00 70 0000 0000 1/08 U5oooo75 UNivERSAL 5 VINGS 3.000 PTS REDEEMED -15.00 72 0000U5 9999 00000000000 St.ndlrd Pu ch 1/16 MEM8ERSHIP EE JAN 03-0EC 03 0.00 74 0000 0000000000 12/17 12/18 8BP592JH PORTRAITS F R LIfE CAMP HILL PA 197.22 61 A12Z1US 1734 80417342352 12/28 12/28 PRIMMlOO AOl"DNlINE ERVICE 120 800.B27-6364 VA 23.90 61 A4816~~ 3286 18432862362 12/31 12/31 ZOYZ2WF] WHIT UER C TER FOR SC HARRISBURG PA 61.00 61 A1991US 1065 98429793001 1/08 1/08 N056Y9JQ SINGER SHOP COM 615-2130880 TN 15.00 61 A5722uS 1141 9842099300B 1/09 1/09 34VN11WO u DATE COM TD 877 B027 243 CBR 24.95 1/16 61 B739ZG8 1574 85541123010 PURCHASES'F NANCE CHARGE"PERIOOIC RATE 55,28 84 0000 0000000000 Get 30 days of ppt;onal Citibank Credit Protector FREE when you "roll today! Simply initial as indicated 'n_~~E lower left-hand corner of your billtng 5tatell~~t coupon. Reme.bcr to return the coupon with yo r payment. Cit; Cards Sa fnqs Total points 750 " ~ITI CARDS SIVINGS SUMMARY" Previous Paint Balance Purchase Point Earned Last P~r;od Points Redceme IExpired Total Pohts TOTAL 8,4Z8 322 8.000 750 II rou have no receiv~d your new cardl please cal thr Custa er Servlce number on thlS statement. Our records sh w home phone 717-174-1679 an~ business phone OOO-OOO~OOOO. Please update above coupon if incD recto ACID:KCBI827 21:05:47: EXHIBIT l.o .... . :. . . sa>> 0... Post W. 1t.1......c:. .......r ......., L_t $tPlMnt - Your current no ioal annual percentage rate for purchases nay v ry ~nthly and is based on the .~11 Street Jou nal Prime Rate plus 4.2401. However~ it you default on any Card Aqreement. your rale may f crease. Tbe new rate will be the Pri~ Rate p us up to 19.990~. based on the nature of defau ts and perfor.ance indications. T~ese rates app V to your account at the t;~e this stateMent was p inted. ACl;OlrIt SumrnwY rev lOUS (+) rtt'1ases (.J aymll!!n s + C (=- N~w B.lante- & vancl!S ere- it CMARGE alar'lc~ PURCHASES $7.681.92 322.07 $215.00 $5S.28 $7.850.Z7 ADVANCES $0.00 $0.00 $0.00 $0.00 $0.00 TOTAL sr,687.92 322.07 $215.00 $55.28 $7 ,850.27 Da s als Blllln P.rIcxt 30 R.te Summary . arw:. Jre 0 efle Ie omlna ANNUAL Fi~.nn Charge R"t. AP~ p CE AG R TE PURCHASES Standard Purch $7.922.35 0.02326%(0) 8.490% 8. 490% ADVAHCES Standard Ad., $0.00 0.OS477%{D) 19.990% 19.990% . :. AMY L DAN I ELS 303 11TH ST NEW CUM8ERLND 17070-1309000 II.' 03/12/03 $6023 69 $167.00 ~if{~~:~::~ffC:1~i ~~~:~ji:g::;~~:. ::..:m ~i~~t.~jg SITE:KC-CL TM:CO-6300 02/17/05 C171 CARDS P.O. BOX 6111 S HACKENSACK. NJ 07606-8111 PA Citi" Platinum Selecf ~ard ForCloI5tclfMrServlc..Q1lorwritl 1-8oo-950-5114 i.'.............-..... hi .....-...c ....... Mt..._.............. 80X 6500 SIOUX FAllS. SO S7117 Account Number 5424 1801 1884 5S74 PUM[lT Ifni I( UttlY[D If 1.:00 ". lOCAL TIM[ O' 03/ l/ZOOJ s.tat.ment/Cbslll9o.l~ Tot.lCr<<IIitLi... .&\I'i~IrCn~lt.Li'" 02/17/2003 $9200 $ 176 "''''01.1 0"", Cre" UM $ ,00 + s... D.t. Post~. .......Kt1 ......r 2/10 62939031 1/21 1/21 HV"15Z32 1/22 1/22 DOD7BCTK 1/24 1/24 W83S2RF3 1/24 1/24 87V58TV6 1/2S 1/25 Y8GS9232 1/26 1/26 2DuCRL2 1/26 1/26 43v58TY6 1/26 1/26 P4L3WZT8 1/28 1/28 4GG247DD 2/1I 2/1I 8PSPQBWO 2/17 C.hAdv--=.Limit $200 .....ifi'.... ColStl limit $200 PwcttlMv Min....,fI'lOl.l. $161.00 ~ ,..."" SO.OO . Adhrll, LatSlat<t_f1t '.,.-nts. C edits , Adjust~nts PAYMENT THA K VOU 70 0000 0000 St.nd.rd Pu c.h GIANT FOOD TORES .51A CUMBERLAND PA 61 A5411US 1065 liMITED STO ES 0929 HARRISBURG PA 61 A5621U5 1065 DR JOHN F NOREN 00 HARRIS8URG PA 61 A8042US 1065 evs 11917 HARRISBURG PA 61 AS912US 1065 GIANT FOO~_ TORES 'SIA CUMBERLAND PA 61 AS4UU' 1065 TARGET 00012542 HARRIS8URG PA 61 A5310US 1019 Cvs 11630 MEW CUMSERLAN PA 61 A5912US 1065 5UHoeO HARRISBURG PA 61 D5542U 6333 AOL'ONLINE SERVICE 010 800-827-6364 VA 61 A4816U 3286 U PATE CO. LTD 877 8027 243 GRR 61 B7392G 7574 PURCHASES' INANCE CHARGE"PERIODIC RATE 84 0000 Citi Cards Sa inqs Total points 1.183 . CIT! CARDS S VINGS SUMMARY . Previous Paint Balance Purc~ase Paint Earned last Period Total Points TOTAl 750 ~33 1.183 GET REWARDED F R PAVING VOUR TAXES 1 rro~ now until Apt;l 15. 2003. pay YDur taxes .ith your titi Card Save Time. saVl Parer. Sign up for All Electronic. You'll have in tan access to your 5tate~nt online. .ithout that p le of paper. eet an e-mail notice ~e~ your stat hent is ready. Reqister or sign-on to c1t1cards.co. nd chDose Manage My Account. I I i "" ..llInce $8023_69 MlrrirN.llIJAmourIt Due $167.00 ...-.. .320.00 87.26 71541863022 24.50 70499673023 25.00 70429793025 55.2B 70438453025 54.56 7lS4L863026 11.38 70410193028 102.72 70438453027 23.63 23483073027 23.90 78432863028 24.95 15541123044 60.44 0000000000 ACID:KCBI627 Zl:05:47: vr EXHIBIT lI.m ... . ~ '. . $." o-t. Post hi_ ".1.'._ ........, Activit, Ke LtIIt St".1MII1 "-'" r~VIOUS [+ ure ases I') eymen s + (e) .W AeeDUtt SUmmery Salanet' , dvane &Creo Its CIIARGE Balance PURCHASES $7,850.27 413.18 $320.00 $60.4' 18,023.89 ADVANCES $0.00 0.00 $0.00 $0.00 $0.00 TOTAL $7.850.27 433.18 $320.00 $60.4' $8,023.89 O. Ttlls6ll11 P.,Iod: 32 Rate Summary "ane. j'< . ." ,< omln. ANNUAL rin.nce CllarQe Rat. APR PERCENTAGE R TE PtJRCHASES Standard Purch $8.120.25 0.02326%(0) 8.490% 8..90" ADVANCES Standard Adv $0.00 0.05477"(0) 19.990" 19.990% .'- . AllY L DANIELS 303 11 TN ST NEW CUM8ERLND 11010-1309000 04/10/03 $8581 24 $178.00 ~!lYii~rK~1~~ <~..-..:.~::.::::::. '.~.@ MjfSit~i ".. 5ITE:KC'CL TII:CO-6300 02/17/05 CITI CARDS P.O. 80X 8111 S HACKEHSACK, NJ 01606-8111 PA Citi" Platinum Select. Card ror CIlIt_r Serv'ce. Qllor wrtw 1-800-950-5114 Aci::ount Numbt>r 5424 1801 1884 5574 'ArM(<<' ..ST Ie R(~(I~[D Iy 1:00 ~ LOCAL 1J.[ O. 04/ D/Z~OJ T.r.....~............ ........-..c..... .. ......-..-."""'"- BOX 6500 SIOUX fAllS, SO 57117 SI.atoment/t:lasiftQOlI'- lotalCmlilline 03/18/2003 $9200 sas. Oel. Pe$I Dtt. ft9I.,..~....mtI.r 3/13 42117327 2/19 Z/19 49f-TlLQ 2/24 Z/24 8.983232 2/25 2/25 HS868TV6 Z/28 2/28 '8fK6Voo 3/03 3/03 56fX8108 3/03 3/03 22"-0055 3/03 3/03 F.8H2GWO 3/04 3/04 9MY03PVP 3/07 3/07 X5592lX8 3/09 3/09 5H31 Y",ll 3/10 3/10 ZlW7N6Yl< 3/10 3/10 2SPPNV20 3/11 3/11 S4V73232 3/18 Avail... C It lilW Cn"...ltqn&:'eLitaoil $200 ...V....ilbtfoC..llllmit $200 Purctt/.~. MinlIl'lltnOU. $178.00 = 612 ~-:';r J:r $ .00 . PastDU. $0.00 + Activity tC4' L..t st.t.,..."t PaYMtlts, C>>-edits , Adjust...nts PAV.EHT THI K YOU TO 0000 0000 Sh-.d.ud Pu eta KEYSTOHE COLES HARRISBURG PA 61 A5999US 1500 GIAHT FOOD STORES 151A CU'l8ERtAHO PA 61 A5411U 1065 CV5 11630 MEW CUM8ERLAH PA 61 AS912~~ 1065 AOL'OHLIHE ERVICE 020 800'827-6364 VA 61 A4816U 3286 EX.OHM08IL 09671363 HEW CU~ PA 61 05542U 1019 VCA W SHOR PET ~I.AL HEW CU.BERLAH PA 61 A0742U 1065 U DATE CO. LTO 888 451 012B GBR 61 B7392G 7514 PArPAL'.VA flAGUER 402 935 7133 CO 61 A8999u 1065 SUPERPET2 227 MECHANICSBURG PA 61 A0742U 1601 B MOSS 00100719 CAMP HILL PA 61 A5611U 1019 EXPRESS I 501 CAYP HILL PA 61 AS62flli 1065 CARNAHANS NEW CUN8ERLAH PA 61 A5B12U 1065 GIAHT FOOD STORES 151A CU.BERLAHD PA 61 A541lU 1065 pURCHASES. INANeE CHAACE'P[RIO~IC RATE 84 OOOO! , Cit; Cards Sa1;nqs Total points T , CITl CARDS 5tVIHGS SU....RY . Prewious Point 8alanc~ Purchase Point Earned Last Period lota 1 Poi nt s A $15.00 stat~nt creUit. a $ZS.OO retail or dininq 91ft ca d or a S hour AT'T Phon~ Card. These are just So~e of the awards that await you at the 3,000 pint level. See our website. www.c;licards Yin9S.co~ or call 1-888-530-9217 far more jnfor tlon! , i I,B57 TOTAL 1.1B3 614 1,857 I- I "_B....c. $8587.24 Mlhi,""m"""'untOu. $178.00 ....... -167.00 32.30 80418703051 56.80 71541863057 97.59 70438453057 23.90 78432863059 27.53 234B6803063 58.00 70434253063 24.95 lSS41l23063 51. 00 IB429503063 95.39 BB416013067 56.60 70410193069 24.50 70499673010 24.B. 70446413071 100.40 71541863071 56.47 0000000000 ACID:KC81827 21:05:47: EXHIBIT 55 . '- , . , .. s.t. "It. Pnt Den R.f.r.1lClt Hu"'r Adkftr ul..tsa.w_"t __ot INPORTANT INrOR ATION ABOUT YOUR ACCOUNT Please see the nclosed Notice of Chanqe in Terms to Your Card AQree ent for important ift'or~tio" rcqardinq your ccount_ IMPORTANT PROGR M INFORMAT10H= VasterCarG International r Rewed their insurance coverage with Conbine~ Spetia ty lnsurante (ompanl' extendlnq Purchase Assura Ceo [xtended War ran rand MasterRental th ouqh January 31, 2004. As a preferred u$to~r. Citifinancial .~nts to help you ~et your f nancial goals. You ~v Qet your cash the same day yo app1r. We are dedicated to helpinq you qet the mon you need. when you need it! Call us today at 1-8 -905-CITl to 3DPly. Use your Cit;ba~k credit card to fent a tar from Hertz and enjoy Qrest $av;~Qs ;n the U.S. and around th~ wnrl 1 Call 1-800.654-2200 and ~ntion your Citibank H rtz COP number 160005. ; GET REWAROED r~ PAYING YOUR TAXES! frOB now until priJ 15, 2003, pay your taxes w'th your Cit; Card. , , Save Time. savj porer. Siqn up for All Electronic. You'll have in tan a~cess to your statement online. without that pile of paper. Get an e-mail notice .hen your stat ment is rea4y. Reqlstcr or slqn-on to ~iticards.com nd choose Manaqe My Account. Al;t.CUlt Summ.-y PreYlous +) un: ases (- 15ymen s (- NANC = New alance- & vlIInces &Crtd'it CHARGE 8.'an('* PURCHASES S8,02].89 613.8B S161.00 SS6.41 S8.S81,Z4 ADVAHCES so. 00 SD.OO SO.OO SO.OO $0_00 TOTAL $8,02].B9 673.88 $161.00 $56.4T $8,58T.24 DI sThls Bin Ptorlod: 29 Rat. SummBry Ba .nce J.e 0 or, " Nomina ANNUAL Finllnce Chit.r e Rate APR PERCENTAGE RAT PURCHASES St..ndard Purch S8,]71.50 0.02]26%(0) 8.490' B.490% ADVANCES Standard Adv $0_00 0.OS4T1%(0) 19.990S 19.990S Clt'" Platinum Select" ~ard Account Nu mbe'r 5424 IS01 1884 5514 P....II[1lT Ilun .t nc€twu n l~OO PII LOCAL TIIIt Oil 051 tJ2tH)] . . - . . . AllY L DANIELS 303 11TH ST NEW CUIIBERLND 17070 '1309000 .. 05/09/03 $9121.24 $368.00 ACID:KCBI827 H:05:41: SITE ;KC-CL TII:CO-6300 02/11 /05 .'U.~f ~':~:<.: '~~@ ~Yi;iitf CITI CARDS P,O. BOX 8111 5 HACKENSACK, NJ 07606-8111 PA rOl'Cl.rstomt'Sarvlc"a/{orwttte 1'800-950-5114 'f....,t..I..._....._.. ..""~"'....... ....,,~....1Itthta. SOX 6500 SIOUX FALLS. SO 57111 st.atwNntltJONnqOiltf lotalCMclil:Lq ..."alIIibItC, itLlne C.sh Ad.,anr;:. Urnil A.,.....bMC....LImit .-..Ba-.c. 04/16/2003 $9200 $18 $200 $18 $9121.24 ~= ~r P.s;tDue ..=~~~ "lntm.lIn"'l'Ilolri~. $ .00 . $178.00' $190.00 = $368.0D s... D_te Pa$l o.te ..J.,.a-.tl NumM'f AdMty II~' Lest: Stat_.t ~ st.nd.rd Pu ch LATE rEE. AR PAYMENT PAST OUE 35.00 66 0000 0000000000 HARRISBURG OSPlTAL HARRIS8URG PA 25.00 61 AB062US 1500 B04187330S2 GIANT rOOD ~TORE 12515 NEW CUMBERLA PA 59.91 61 A5411US 1065 715418630S4 CYS 11630 MEW CUNBERLAN PA 97.59 61 A5912US 1065 7043S453087 AOL'ONLIN~. ERYleE 030 800-827-6364 YA 23.90 61 A4BI6~, 32B6 78432863087 GIANT rooo TORE 82515 NEW eUMBERLA PA 36.B7 61 AS411U 1065 715418630B9 U OATE CON lTD 8BB 451 0128 GBR 24.95 61 87392GB 7514 75541123094 LIMITED ST RES 0929 HARRISBURG PA 146.12 61 A5621US t065 10499673102 HESS 38419 LEMOYNE PA Z4.93 61 05542U 6333 234B3073103 PURCHASES' INANCE CHARGE'PERIODIC RATE 59.61 84 0000 I 0000000000 titi Cards Sa JinQS Total pOints' 2.296 I , CHI CARDS S~YINGS SUM"RY , TOTAL Pr~yjcus Point Balaftce 1,8S7 Purchase Point Earned Las.t Period 439 Total Poin's ) 2.296 I A $15.00 statr~nt credit. a $25.00 r~tail or dining 41ft ca d Dr a 5 hour AT'T Phone Card. Tnese are iu~t so~ of the awards that await you at the 3.000 pint level. See our websit~. www.citicardsa i~s.com or call 1-888-530-9117 for more infor 110n! le~ your eft. ards SaviDq$ points save you .aney whlt~ travelin . Travel related re.ards are available (or s few as 3.000 points. See our web$ite. www. ;t;cardsa~lnQs.CQm or call 1-888-S30-9l1T for ~ore information! 4/16 3/ZZ 3/2l lTYRlPGW 3/24 3/24 l6W9523l 3/27 3/Z7 B9Y6B1Y6 3/28 3/28 .SCZDbOO 3/29 3/Z9 20.1.232 4/03 4/03 NT233SWO 4/11 4/11 R635BCTK 4/1Z 4/1l MNSKWB03 4/16 Your account i continue earni send the Mini OIl ready been s past due. In order to redeeM or q eit; Cards SavinQs points. please ~ A~unt Due. If your pay~nt has nt, thank you. EXHIBIT q . '. . . , .m s.. D... ~DfIl. 1t.1.,.~Mu,""' Acttvtty .t. l_t stakom..t ......" The Annual Perce tage Rate on your account may increase die to ne of the fol1ow;~ reasons stated in your rd AQree.ent with us: if you fail to Make a ay~nt to us or any other creditor when d e. yow exceed your credit line or you ~ke a , yment to us that ;s n01 honored by your bank. I Pay monthly billS automal1catly with your Cili Card. You", earn mar rewards and write fewer checks. To arrange auto~t c bill pay~nts. v;~it w.w.auto.aticbi lpayment.cil;cards.caG taday. ! Save T;~. saver-aper. Sign up for AI. Electronic. You'll have ins ant accesS to your statement online, without that pi e of paper. GEt an e-mail notice when your state ot is ready. Reqister or siqn-on to citicards.co_ a d choose Mana9c My Account. Did you know thlt you won't lose a penny when you use your Citi(R Card online? With Citibank"s $0 Liabllit . you an haVe ~ace 0' .iad knowinq that you wonll be he d responslble for any unauthoriz~d charqes on your a~count. Ha~e a question about your aecohnt? Instead of callinq Cysto Service. send a seCUle messilIoe online. you'll eceive a response within 4 hours. Just siQn.on at citicards.com and select .rite To Custo~r Care nder the Help/Contact Us Menu. Use your Citjb Hertz and cnjD around the wor your Citibanh k credit card to rent a car frOM areat sav;nqs in the u.s. and d~ Ca11 1-800-6S4-2Z00 and mention ertz CDP nu.ber 160005. Al::C"QWlt Summwy reVlOUS ,.) urc ases I') =) New .I.nc:e- dva c C PURCHASES $8,581.24 474.33 $9,121.24 ADVANCES $0.00 $0_00 $D.DO TOTAL $8,587.24 474.33 $9,121.24 C. ~ nit. Bnlln Period: 29 R.te Summ.ry aanct' lec 0 e" IC Nomlnll. ANNUAl finance Char e Rat. APR p C TAG RATE PURCHASES Standard Purch $8,845.68 C.02326%(Dl 8.49011 8.490% ADVANCES Standard Ad. $O.DO O_0547T%(Dl 19.990'; 19.990. . , '- . AMY L DANIELS 303 11 1H sr NEW CUlIBERLND 17070-1309000 stt. 0.. ""t 0."- I ! i i ~~!!:m:.latlnum Select" fard 5.2. 1801 188. 557. 'A'.EWT _US1 It REC[IV[D IT 1:00 P. LOCAL 11M[ 01 06/ 'flOU' St,t'lIllnt}t'bslngo.t. TotllCrectieUlIf .......iWIlo1C ~jtlh.. C:.""cllllllCeLirmt 05/15/2003 $noo $0 $200 ~~~r past;D.... $6 .94 + $190.00 + Adl'Ytty since lMt ~""flt Payments. !~dits' Adjust~nts PAYMENT TH ,.K YOU 70 0000 0000 Standard Pu ell LATE FEE - APR PAYMENT PAST DUE 66 0000 PIERCING P GOOA Z. LANCASTER 61 A5944U 1065 GAP KIDS 9 .9 LANCASHR 61 A5999U 1117 KOHL'S 102 5 LANCA5TER 61 AS3UM 13.0 GIANT FOOD STORE IZSI5 NEI CUMBERLAN PA 61 A541lU 1065 NESS 38.19 I(MOYN( PA 61 05542U 6333 U OATE COM LTD 888 .51 0128 GBR 61 8739~~ 7514 PURCHASES. INANCE CHARGE"PERIODIC .ATE 84 0000 I I eiti Cards Sa.Lings Total ))oints ! I " CITI CARDS 5tVINGS SUMMARY . Previous Point Balance Purchas~ Point [arn~~ Last Perlod Total Paints I A $15.00 state~Rt ~r~dit. a $25.00 retail Dr dining 9ftt ca d or a S hour AT'T Phon~ Card. T~ese are just some of the awards that await you at the 3.0DO pint level. See our ~bsite. www.citicard~ vings.com or call 1.888-530-9217 for nor~ infor t,an! Your account' past due. 1n order to redeem or continu~ earni q titi Cards Savings points. pl~ase send the Mini ft Anount Due. 1f your payment has already been s nt. thank you. 4/21 ./16 4/16 4/16 4/22 4/24 S/04 5/15 4/11 4/lT ./11 ./22 4/24 5/0. 5/15 11.'...._""""'., 62091039 pp.163GV TOF"KII33 6HI5ltP5H 7YOHI232 C9111!FQB3 R"TRQ3XO .. 06/09/03 $9266 94 $449.94 ~Ji~! $iir::~~~~. ::~_. ~.i f~lf~~~.\~ SIrE :KC-CL TM:CO-6300 02/11 /05 rorC\ntD_rS.,.,It_,c.allJrWrtQ 1-800-950-5114 T................_......... ..tNlo..-...;~..1 -..---....... BOX 6500 SIOUX FALLS, SO 57117 ... "*'*"'" $9266_94 Mi~mA.lnov" Du. $449.94 ......... '178.00 35.00 00000??oo0 26.S0 70.S3Z6JI07 42.99 70.11173107 ..,50 B044.003107 64.08 11541863113 23.67 23483073115 2..9S 75S41123125 61.01 0000000000 ACID: KCBIB21 Zl: 05: 47: EXHIBIT ) () C Ir I CARDS P.O. BOX BIll S HACKENSACK, NJ 07606-8111 PA Av.tIlUleCJlShlimit $0 ~.r~~l.:t. $193.00 = PA PA PA 2.523 TOTAL 2.296 227 2.523 The Annual P~r entage Rate on Tour account may increase due t one of the fol owinq reasons stated in your Card Agreement with us: if you tail to ~ke payment to us or any ather creditor when due. yo~ exceed your credit line or you .ake ~ payment to us that is not hoftored by your bank. . . 1111 '. . : SdI D.t. Pn\ OM. ."'''11(:. NUhber i "''''''~L''''''''_ Peace of mind it knowing... your (it; Card cco~nt 15 protected if your incomt staps. Call 1-8 7.612~9882 to find Qut how yau can have peace of m nd. Cet SS Stalemen~credit. S;Qft up ror All Electronic. Youlll ~aYe ins ant aCt~ss to your stateMent online, without that pi e of paper. Get an e-~;l notice when your state nt 1$ ready. Reqister or siqn-on to citicards.co. a d choose Manage My Account. i Use virtual Acc;unt Numbers for all of your online shopping needs. .ith the fREE service. you can qenerate a subs ;tute credtt card number to take th~ place of your a tua1 number. Learn ~re and enroll today at eitteB ds.com ....'" Did you know t't you won't lOSe a penny .heh you use your Citi( Card online? With Citibank's $0 Liabl1ity. you an have peace of .ind knowinq that you wop't be h 14 responsiblt far any unauthorized charqes OP you account. ! AecotJ'\t Summ-v r!:vlDus +) ute ases (.) rymeh :5 (+1 I N ~)NIIW Bal.nec & dvan e & Cr.dlh CHARGE 6.tancc PURCHASES $9,121.2' 261.69 $178.00 $6Z.01 $9.266 _ 9... ADVANCES sa.oo $0,00 $0.00 SO.DO $0.00 TOTAL $9.121. 2. 261. 69 $178,00 $62.01 $9,266.9' o. s This BUll P.rloct: 29 Rate Surnm.ry . ance Jee 0 P..., " NomIna ANNUAL nnanc. Charge- Rat. APH PERCENTAGE RATE PURCHASES St andard Purch $9.193.00 0.0232."ID) 9.490'" 8.<490% ADVAIlCES Stanclard Adv $0.00 0.05477"(0) 19.990" 19.990% , : . .. , . 07/11/03 ii#;lW3MiEi $8538 71 $177.00 fii{:~:.~::.: .:::J~~ ;~1@~~~:~1f:~ SITE:KC-CL 711:CO-6300 02/17/05 ACID:KCB18Z7 21:05:47: AllY L DANIELS 303 11TH Sf NEW CUMBERLNO 17070-1309000 C IT 1 CARDS P,O. BOX 8111 5 HACKENSACK. NJ 01606-8111 PA i Citi. Platinum Select" Fard Account Number 5424 1801 1884 5514 'AfY[IT .'51 .t I[ClIV[D aT 1:00 ,. LOCAL llM[ 01 07/ 1(200J r<< C\rstotNrS_rvk'.. caG or Writ. 1'1lQ0.950-5114 T...-c......_....__ 1II.........COOWI1lI... -...-....,...... IlQX 6500 SIOUX rALLS, so 51111 SI__nt/e1osiNlDat. 06/16/2003 Tol~IC'",iI LIMo $9200 4V4l;Jlbft c~ it u,. 661 Arnou tow, Crm Lin, S .00 . Cnh,Ulf.nc:,U."u1 $200 PulP.... $0,00 + A",*.Casnlinil Mt'ltB.~ $200 $8538.11 Purc:lt/ACI'I MiIIl.,...., I>\M "'j~m ArrJounI Due $111.00; $171.00 - Se. W, Pat DoMe R......aceNlMllwlr 5/29 43039649 6/()9 62888081 6/04 6/04 lHYMLCXO 6/16 AdlYlty lIKe Last st.telll..t P.vnents. C ~its , A4,ust~nts PAYIlENT THA K YO~ 10 0000 0000 PAYMENT THA K YOU 70 0000 0000 StOlldord Pu~' ch U DATE COU TO 888 451 0128 G8R 61 87392G8 7574 PURCHASES"r HANCE CHARGE"PERIODIC RATE 84 0000, -370.00 -450.00 24.95 75S41123156 66.8l 0000000000 Citi Cards saY~nqs Total points r 2,548 , " CITI CARDS SAr'NGS SUMUARy " Pre~ious Point~ Balance Purchas~ Points Earned Last Period Total Points I I A $15.00 $tate~nt credit. a S25.00 retail or din,nQ 9;ft car or a 5 hour AT&T Phone Car~. Thesr are just o.e of the awards that await you at the 3.000 po nt level. See our webs;tt. ....citicardsa ings_cQm or call 1-888-530-9Z17 for more infQr t1on! , Protect your Ci~' i Card account frOM unforeseen situations sue as job Joss or disability_ Interested? Cal 1-866-Z73"1385 to learn narc. Cet S5 Stateme~'t Credit. Sign up for All Elrctronic. YOU'" have in ant access to your statement online. without that pile or paper. Get an e-mail notice w~en your stat ~ht is ready_ Reg;ster or siqn-on to clticards.com nd chOGS~ Man.qe My Account. , , , TOTAL 2,523 25 2,548 EXHIBIT II I" s.. DIlle Pof.t Det8 ".'....IICe.......r Acttrit, we. L_t st.t.lMflt ","",.t AccOUI.t SummllflY rev/ous (+) rc .ases .ym.n S +1 A =) New Balance &A vances &. Credits CHARGE Bal.nce PURC1tASES $9.266.9. $24.95 $820.00 $66.82 $8.538.71 ADVANCES $0.00 $0.00 $0.00 $0.00 $0.00 TOTAL $9.l66.94 24.95 $BlO.OO $66.8l $8.538.71 R.t. Summary . ance U Jee: 0 .no It: Finance Charqe Rate- P PURCHASES Standard Purch $8,977.8. 0.0Z3l6"(0) 8.490" 8.490" ADVANCES Standard Ad. $0.00 0.05477"(0) 19_990'" 19.990% . , .. III $8619. 8 $179.00 &if;~~:.'~:._:::~~ .:::?i r~:;~;tii! SlTE:KC-CL 08/11/03 ;~~~r AllY L DANIELS 303 11TH S7 NEW CUIIBERLKD 17070.1309000 CITI CARDS P.O. BOX Bll1 5 HACKEK5ACK. NJ 07606.Bl11 PA r , I I i , Citi" Platinum Select" fard Account Numb.r i 5424 1801 1884 5574 u,'n.Ul lIun I[ U.C(lWEI n 1 ~OO Pit lOtAL n.t O. olll /lOGJ Sl.at~llt/Clr:05I"lIIO.I. Tot-,C,.di'!LI"" 07/17/2003 $9200 5.. tMt. Post Oet. R.I.". Nun'llhr 7/14 43586093 6/18 6/18 lTSVSOOO 6/17 6/17 3X14HHOO 6/28 6/28 VnflGOO 1/05 1/05 8100YHXO 1/16 1/16 6W-6SHOO 1/17 TM:CO-6300 02/17/05 for cllStonwr Servlc.. cdOf' lWItt 1-800-9S0-S114 f....,.... _...._... ..........wr..cc~.. ...t~......,............ BOX 6500 SIOUX rAllS. so 57117 .......l.o..er.. itUnt $ 80 ~~I~r $0.00 . ACtMt, IloN Last staw..nt PaYMents. C edits , Adj~t..nts PAYMENT TNA K VOU 10 0000 0000 NWI.PREf'D 'H REfUND 888-868-6216 CT 71 5968US 3286 Cnh"-dvllnc:.lnlt '200 "'wail'bltCZlit!L"llit $ZOO PU""'Adw MlnIn'UlI'IDue $179.00 = ....8iJlanQ/ $86<9.38 Ni.ltralm"'rno~ Cu. S179 _ 00 -, -180.00 -1.95 78432863169 1.95 18432863168 23.90 18432863179 24.95 15541123181 149.95 18432863>97 61.B7 0000000000 ACID:KCB1827 21:05:47: EXHIBIT-'~ PMt" Due SD.DD . standard Pu C.. HW1-PREfERR 0 H8R 5&H B8B-B68-6216 CT 61 A5968U5 3286 AOl.OHlINE ERYICE D60 800'827-6364 YA 61 A481605 3286 U DATE COlI TO 888 451 0128 OBR 61 8139Z68 1514 HWI.CONNECT OH5 B88-868-6216 CT 61 A5968U5 32B6 pURCHA5ES-f NANCE CHARCE.PERIOOIC RATE 84 0000 I Citi C~rds Sav~nqs Total points ! . CITI CARDS SArINCS SUYMARY . Previous Points Balance Purchase Poi~ts Earned Last Period Total Paillts. 2,747 70TAl 2.5-'8 199 2.741 A $15.00 state~nt credit, a $25.00 retail or dinin9 91ft car or a 5 hour AT.T Phone Card. T~e$c arc iu~t o.e of the awards that await you at the 3.000 p iftt level. See our websitt. www.clticardsa iogs.con or call 1-888-530-9211 for ~re infor tlon! , Our recards $~~. ho~ phone 717~774~1679 and business phone 000-000.0000. Please update above coupon if inco recto Please see thejenclosed privacy notice for important information. ; . . I , ! i I ...""'~,....._, i I I , I , , i , 5Io.1l.t. Post w. ",-I.,..te ilium", ACCOU1t SumfM-V PURCHASES ADVANCES TOTAL r~VIOUS aallnee $8,538.11 $0.00 $8.538.11 't) urc asrs &. dv nees 200.75 $0.00 200.75 .. - -) eymen s & r dit $181. 95 $0.00 $181.95 (+ F' He CHARGE $61.81 $0.00 $61.87 (0=:) l!W ahlnce $8.619.313 $0.00 $8,619.38 01 I nls BOlin Petloo: 3'l Rat. Sutnm.ry a anee J.' 0 it'rlO Ie omlnll ANNUAL rlnance Char e Rate APR PERCENT GE RATE PLJRCHAS[S Standard Purch $8.581.00 O.02J26~(0) 8.4901- 8.490" AOVAl/eES Standard Adv $0.00 0.05477"(0) 19.'9901 19.990"" ... , .- , i 09/11/03 $876Sf93 $361.00 ~In~mt ~:t~.l M'lif.iiii~t I 5ITE:KC-Cl TM:CO-6300 OZ/17/0S ACID:KCBIBZ7 ZI:05:47: AMY l DANIElS 303 11TH Sf NEW CUMBERlND 17070-1309000 CITI CARDS P.O. 80X 8111 5 HACKENSACK. NJ 07606-8111 PA I ! I I I I Citi- Platinum Select. Fard Account Numbl-r I 5424 1801 1884 5574 P",w{IIT lIun It RtcUYU tT 1:00 1M' lOCit n_c Ol 09 11/2ooJ rorC~5flVIc..~larwrit. 1-800-950.5114 T.,.........._~ .... no .. ...... CllIh, ... ......._r-n,tM. BOX 6500 SIOUX fAllS. SO 57117 stat..",ntfCbsllMlOolt. TotaICrcC:litLiIle .tv~il""C MlitLiIll ca5llAdllanclllmlt blll\DIec.ar.hLimlt Nb Sallinot 08/18/Z003 $10Z10 .,,!, 444 $ZOO $ZOO $8765.93 "to.r Pnt()l,I. Porch/Ad.. IIllllilnJm A.mount Pu_ t.. tUn. Mlnlrun Due S .00 + $179.00 . $18l.00 = $361. 00 s.It DII, Pofl 0.1_ R.I....nc. "I'l"'r Ac:tWl SWtceL...st.....t ...-.1 Standard PI rch 8/18 LAn fEE . JUL PAYMENT PAST DUE 35.00 66 0000 0000000000 7/28 7/28 8FVC"'600 AOL'OIClINE SERVICE 070 800'827-6364 VA 23.90 61 A4816U 3186 78432863209 8/05 8/05 5OQQ1ZXO U OATE COM LTO 888 451 0128 G8R 24.95 61 87392G 7574 7554112lZ18 8/18 PURCHi\SES'" INANCE CHARGE-PERIODIC RArE 62.70 84 0000 0000000000 ti1; Cards SaJings Total points 1 2,196 : . CllI CARDS StVINGS SUllIlARY . TOTAL Previous Point Balance l,147 Purchase Point [arnt:d las.t Period 49 Total Points J 2.796 A $15.00 stat~ent ~redit, a $25.00 retail or dining 9fft ca d or a 5 hour AT&T Phone Card. These are iust some of the awards that await you at the 3,000 pint level. See our website. ww..citicards ings.con or call 1-888-530-9211 tor more infor tlon! i Your account~. past due. In order to redee~ or continue earni q titl Cards SavinQs points. please send t~e Mlnj n A~nl Dur. If your pavment has already been, nt, thank you_ I The Annual pe\entage Rate on your aCCOQnt ~ay lncrease due tone 01 the fol owing reasons stated in your Car6 AQrec~nt with us: if you fail to make payment to us or any other creditor whtn Ut, you exceed your credit line or you make a ayment to us that is not honored bY your bank. i , EXHIBIT 13 , . . . ... i , Act""'~_U"_'" i $.. ~ PostD.h h'....nee MuMMr ACCOlnt Surnmlll'Y PURCHASES ADVANCES TOTAL R.t. Summary PURCHASES Standard Purch .OV....C[S Standard A.dv r~VIOUS e.18l'lc~ $8,619.38 $0.00 $8.619.38 a 1If"IC:!' U 1rc: 0 F1nanc~ Char . $8.611.02 $0.00 (+ ure. 'US & d antes $83.85 $0.00 $83.85 - -) rw a.lanet' $8.765.93 $0.00 $8.765.93 ~n u: Rete Da s TflII 8ml Pl1rlDd: JZ MHn. ANNUAL AP~ PC CCIITAG RA C 8.240'1. 19.99011 + CHARGE $62.7. $0.00 $62.70 0.02258"(0) 0.05477"(0) 8.240" 19.990" .' .' ~ ' AMY L DANIELS 303 11TH 5T NEW CUNBERLND 170TO-1309000 I Citl" Platinum Select" Fard ",(;ount Nvmt.f 54Z4 1801 1884 5S7. PAl.EI' _US1 IE RECt)vED IY 1:00 'M lOCAL TrM( 0_ 101 J(lOOl Sllte~nI'enl'lQo.te TotIlCMitllllll "'".1.It~Cj.c.1tLi'" Clsn"'do,o.I'\C.~ 09/17/2003 $10210 ..!.f/96!, $200 -titdlllne P.51Dut $ .00 . $161.00 . AclMty Sine. L_t 5t-.....t P...._nts. HUS' AdJust..nts PAYMENT TH! ~ YOU 70 0000 L 0000 5tandu. P~Ch ~g~~o~ey~~js~:v:~;M::: :::~2:~~717Z VA 61 A4816U 3286 AT&T Wirel $5 Services 800~8887600 NJ 61 A4814U 52:35 U DATE tOM LTO 888 451 01Z8 G8R 61 81392G 7514 PURCHASES" INANCE CHARGE"PERIOOIC RATE 84 0000 s. 0.1_ PaSt De\e 9/17 B/2B 9/04 9/06 9/17 Bn8 9/04 9/06 9fH R.I....~NumIle.r 6198Z063 100KIXOO TPF 42500 .XS5N8YO 11'11 10{13/03 i;!AAj~~~ $8842 82 ~r.-.::. :.~lt SITE:KC-CL $345.00 ~t!~t.~; CITI CARDS P.O. BOX 8111 S HACKENSACK, NJ 07606-8111 PA T.,:(D-6300 02/17{05 r. c.toIntr S.",k.. cd' Of write 1-BOO-950-5U4 "J....................... ..........C'....... -..-............ BOX 6500 SiOUX FALLS. SO 51117 ,,".il.blit Cash limit $200 PuKh!U" l.II inlmum ou. $184.00 . titi Cards Sa~ihqS Total poi nts ; , 2.918 " CITI CARDS S~VINGS SUMMARY " Previous Pofnt Balance PurchaSe Point Earned last Per;od Total Points I A $15.00 state nt credit, a $25.00 retail or dfninq qitt ca d or a 5 hour AT&T Phone Card. Th~se are iust some ot the awards that await you at the 3.000 pint level. See OUr website, ....citicards in9s.c~ or call 1-888.530-92J7 for more infor tlon! TOTAL 2,196 182 2.978 Your actount; past due. 1" order to redee~ or continue earni Q titi Cards Savin9s points, pleaSt s~nd the Ifini Amount Due. H your payment has already been s nt, th~nk you. The Annual per~entage Rate on your ictOunt may increase due t one of the followinq reasons stated in your Card Agreement with us: 1f you fail.to ~ke a payment to us or any ~ther credltor when ue, you exceed your credit line or you make a aymenl to us that is not honored by your bank. Please see th~enClased Hotice of Chanqe in Term$ to your Card Aqre ~ent for important in'or~tiDn reQardinq your, "nnual Percentage Rate for Purchases_ i ; Nw ......~ $8842.82 Mihimum "lMUnt Dua $345_00 --,.1 -200.00 35.00 0000000000 23.90 18432863240 132.91 18141113247 2..9S 15541123250 60.13 0000000000 ACID:KCBl827 21:05:47: EXHIBIT-8-- . . .' Swtt PI'" Pftr Det. ""<<..c.lilUmHt' Accowt Summary PURCHASES ADVANCES TOTAl Rat. Summlilry PURCHASES Standard Purch ADVAHCES Standard Adv How .i II YOIJ pa if somett'll ng un 1-866-631-0344. Act"'" L.at st.teIMllt your Citi Card bill xpected h~ppens? Call We can he. p! I. us at Get $5 Statemrn Credit. SiQn up tOt All Elect~on;c. You'll have ins ant access fa Vo~r stat~Ment online, without that pi ~ or paper. Get an e-mG" notice when your state nt i~ reQdy. Register or s;qn.on to citicards.com d choose NanaQe My Account. Did you know t t you won't lose a penny when you use your Citi(R Card online? With Cltibank's SO L;ab,.ity. you an have peace of mind knowin9 that you won't ~ h ld responsible for any unauthorized charges on your account. The lose Wave adio/CD delivers lifelike sound. Yet it's s~all an4 si~le 10 use. You~ satisfaction lS Qu~ranteed and hippinQ is free. To order call 1&800-249~2613 E~t. T8918. Thi$ offer is bro~Qh1 to you bV Media S ndica1ion Global. re-VlOUS aalan ~ 58.765.93 $D.OO 58,765.93 a ancl!' .tee 0 finance Char e 58.876.90 $0.00 I I -I (+) urc ase5 &. dv nct's 216.76 50.00 216.76 .} .ymen 5 & Credits $200.00 SD.OD 5200.00 erlD Ie Rate D.Ol258'4(D) O.054n'4(D} - O. omln. APR ew 601 c $8.842.8~ 50.00 $8.842.82 ThiS 81111n Ft.rlad: 30 ANNUAL PR TORA 8.Z40" 19.990", 8.l40fi 19.990% . . ,. . . AMY L DANIELS 303 11TH S7 NEW CUMBERLND 17070-1309000 11/11/03 ~~~ i , I ,~~~~" t.._....~~._. ........."':::: 1557.46 f~$$.tm~1 ClTl CARDS P.O. BOX 8111 S HACKENSACK, NJ 07606-8111 PA I I Citia Platinum Select"' ~ard ,............_- too... -.....~.. lWit..._.....~ Account Number 5414 1801 1884 5514 PUII[lT IUIST It Ut(lvrD If l:DO ,. LOCU ,...( 01 111 1/ZOO1 S"tomMlt/CkllirlQ'b'" Tot.!CreGitLi.- A.uli....CrrditLine t"hAd......-.;:.limll 10/17/2003 $10210 940 $200 ~~ ~~r Pe5C 0.... S .00 + $345.00 + Ac\Mtr ~ l_t st.t."..nl Shndilrd Pu ell LAlE fEE - EP PAYMENT PAST DUE 66 0000 AOL"ONLINE ERVICE 090 866-215-7772 VA 61 A4816U 3286 PAYLESSSHOE OU00039214 CAMP HILL 61 AS661US 1019 THE CHI LOR ~S PLACE 11 CAMP HILL 61 A5641U 1065 ZANY BRAIN .,14 CAMP HILL 61 A5945U 1065 OLD NAVY . 550 HARRIS8URC 61 45999U 1117 U DAlE CO~.LTO 8&8 451 012& CBR 61 B7392C. 7>14 CVS 11630 MEW CU.BERLAN PA 61 A5912U 1065 CHECKS UHL MITEO BOO'S33'3973 CO 61 A5964V 3286 PURCHASES" INANCE CHARGE"PERIOOIC RATE &4 0000 s... Dlt. Post bete 9/Z& 9/30 9/30 10/04 10/06 10/06 10/0& 10/16 10/17 9/2& 9/30 9/30 10/04 10/06 10/06 10/0& 10/16 10/17 R.IN..~ .....It'1f HFVS6If00 l7ONN.90 1PKMHR30 OB2rll1l30 Z"693S48 SNS7MHYO rMK5BTV6 7S86SHoo I eiti ~rds sat'inqs ToUl points " CITI CARDS SfVIMC5 SUMMARy . Pr~vious Point Balance Purchase Point Earned last Period Total Points Gift Cards for nationally kno<<n restaurants and retail $tores re avajlable at the 3.000 goint level. Treat y urselr. tre~t a rriend. Enjoy the benerits of th eiti Card and the Citi Cards S3vinqs proQra . See our wcbsfte, www.clticards viQgs.com Of call 1-888-530-9217 ror mQr~ infor tl0n! Since your ace unt is past due, your credit privileges hay been suspended. In order to redrem or con11nue ea n~n9 eitl Cards Savinqs points. please pay the MlnlmuM A~unt Due. ]1 your payment has already be n sent. than_ you. The AnnuaJ Per enta9c Rate on your account has been increase due to one of the follo.lng reasons stated in you Card Aqreement with us: you failed to ~ke a pay nt to os or any other creditor when due, you exec cd your cr~dit line or you .ade a payment to s t~at was not honored by your bank. 11111 SITE:KC-CL TM:CO-6300 02/17/05 r<<cClSlolMf' s.rvrc., ""'PI _Tit_ 1-800-950-5114 BOX 6500 SIOUX FALLS, SO 57117 ___..Iawe c.slt L'IIM $200 ~~Ad~ $Z12.46 = PA PA PA PA 3,162 TOTAL 2.978 184 3.16Z JI....8allnc. $9Z69.03 ..l....m AAlount 1>.1. $557_46 ........ 35.00 0000000000 B.90 18432863271 17 .99 70410193214 lS.9B 70541&63274 13.71 70541863218 40.96 70411113280 24.95 75541123280 15.50 T0438453282 30.70 784328632B9 l07.46 0000000000 ACID;KCB1827 Z1:05;47: ~IBIT IS- 0:11 ," .' ,. 5.. l)M:. Post DlIt. III.'....K. Mum".r .\eu.tt, IK'. Lat ~'".nt ..- ACCOUlt Summ..-y Frevlous (tjP rcheses (-) payments ('cHARGE {=} New Batan"e &A Ivane rs & Credit"' 6alill1ce PuRCHASES $8.842.8Z . 18.75 r.oo $207. .. $9.269.0J ADVANCES $0.00 $2 $0.00 0.00 $0.00 $0.00 TOTAL $8,8'2.82 18.75 0.00 $Z07. .6 $9,2.9.03 OilVI TIlls BllUntl PtrkM:I: 3D R.t~ SUmmary BalanCe Subjrct to Pe-nodic Nem,n.1 ANNUAL Finance Charae- Rate APR PERCENTAG< RATE pURCHASES Standard Purch $9.018.58 0.07668%(D) 27.990~ 17.990" ADVANCES Standard Ad. $0.00 0.07.68~(0) 21,990~ Z7.990~ ~ . . . ,. . 1111 12/11/03 R~fi:liifl $ZZ2.36 f#.!EAAiK~R1 $8986 29 e:.:.~;=~~~. .:J1 SITE:KC-CL Th\:CO-6300 OZ/17/05 AMY L DANIELS 303 11TH ST NEW CUMBERLND 17070.1309000 CITI CARDS P.O. BOX 8111 5 HACKENSACK, NJ 07606-8111 PA Clti. Platinum Select" ~ard rorCustD*r S.1l'Ic_. ullM _rD. 1 a 800- 950- 5114 Acc:ount Nil mber 5424 lB01 1B84 5514 PATMtlT MUST II ItttlvlO IV 1:00 P. LOCAL Trwt O~ ltl 1/1003 r.r.................... ....~~......l NIl:..._......,.... BOX 6500 SIOUX rALLS, 50 51117 St~elMl't/tlosilltD.t. lObI Chldll U.. A,,"'..IeCf ilL.h. COI$hAOlI,.nc,Umll ,.....ilellte C... Limit Nnrlllllllntto 11/17/Z003 $10210 $ Z23 SZDD $200 $8986.29 .~" f,nr P....... P....dl/Adv Minimum AnJOUDI DIM (:redi Loo Millimum OUt S .00 . $0.00 . $222.36 = $2U.36 s... o.t. Post We .sf...ellC:.NlItIIhf ......, Ice \.at $1......_ _t 10/Zl 91610061 Pily~tl. C 'dits , Adjust~nts PAYMENT THA K YOU -213.00 10 DODO 0000 II/II 97688130 PAYMEN1 THA . YOU -345.00 10 0000 0000 Stand.rd Pu cb 10/19 10119 T3KUHV20 CAJlltAHAHS NE" CUN8ERLAN PA 34.00 61 AS812US 1065 70446413293 11/09 11/09 61111 "500 AOL 'OHlIHE ERVICE 100 866-215-1772 VA 23.90 61 N4Bl6US 32B6 15432863313 HIlT PURCNASES'r HAHCE CHARGE'PERIODIC RATE 217 .36 84 0000 0000000000 Citi Cards Sav~n9s Total points r 3.220 . CITI CARDS silHes SUMMARY . 10TAL Pr~'J;ous Point Balance 3.162 Purchase Poi nt [arned last Period 58 Total Points . J,110 ; Gifl Cards for~ationa'lY known restaurants and ret;i1 stores rc availabl~ at the 31000 point lev~l. Treat y urself. treat a friend. Enjoy the ben~rits of th Cit; Card and the Citl Cards Savinqs proQra . See our w~bsite. WW..C1tlcardsa in9s.com or call }-888-530-9217 for more infor tlon! , Peace of ~ind ~s knowinq...your Citj CarQ account is protected if y ur inco.e stops. Call 1-866-54~-2251 to find out ho you can be protected. Receive a $15 rebate coupon hen you enroll. , Act:omt Swnmwy PURCHAS[S ADVANCES TOTAL revlOUS ('1 urc ases (-) Iymen 5 I' N 1"1 ow Ilane!! & dVllnces & Credit CHARGE B anee $9.269.Q3 $51.90 $55B.00 $217 ,36 $8.9B6.29 $0.00 to.OO $0.00 $0,00 $0.00 $9.269.03 $ 1.90 $558.00 $217 .36 $8,986.29 R.t. Summ.ry PURCHA.SES Standard Pur-cl't ADVANCES Standard Adv al."ce- ~f:c C) Finam;e Ch., e Oa So Tt1ls BUlfn Pt!rllXl; 31 Nomlnil ANNUAL APR P C N GE RATE en JC Rate- $9.144.19 $0.00 0.0766BSIOJ 0.01668S(0) 27.990S 21_990"' 21.990S 2T .990"" ACID:KCBI8Z7 21:05:47: EXHIBIT 1(0 . ~ . , ,. . 01{12{04 i'i!1if~OOJ $442.05 ~."'..'.'..".=..*P"t., ;;;......~;.s~". SITE: KC -CL $9635. 7 ~;~:-:::~.. J~\ AMY L DANIELS 303 11 TH sr NE' CUIIBERLND 17070-1309000 CITI CARDS P,O. BOX 8111 S HACKENSACK. NJ 07606-B111 PA I 1 1 Cltl" Platinum Select" ~ard 'ccountNumbt't ;4Z4 1801 1884 5574 'A't'1f[1T MUST I[ IttCEl\'U n 1;00 P. LOUL TI..( O. 01/1 IlOO4 SIIWmItl'lt/CIcIs:IIlQDiIlte Tot;aICrdIlLInt "'Y~Cr~itU.. lZ{17{2003 $10~10 $ 74 Amount O~r Crl'dilll)e $0 00 . $221.69 . AdMtf JIt.lIDt !St..../It 'ay~nts. Cr .its ~ AdjustMents SCH.ART2 SE lEWENT REFUHO 800-558-5854 72 0000 I 9999 .'. 7101:CO-6300 02{n/OS r...ClIStorrwrSlItylc..,ulor.,II. 1-800-950'5114 T. r............. _-'." .....--.......... 1IlIt._,...~ BOX 6500 SIOUX FALLS. SO 57117 Cll~"dvJlI'ICl!LiInII S200 ll"aII.bleCil5hlimit $200 Pulch}A4.. Mlnirnul'lOuf $220.36 . 1I1stDlIt s... D_'. Post Dcd.. -'.r~. Numkr 12/01 88888888 12117 U/Zl 11/Zl GVK4BTY6 U/22 H/2Z ORVJ8T30 HIZ4 11/24 PR4GWFBB 11/24 ll/Z4 YPIF6530 11/Z4 U/Z4 W5R4BTY6 UIZ4 111Z4 9RKI(l)OJ9 11/28 111Z8 9R4G5COO lZ/03 IZ/03 7KODH.16 12/07 12/07 R207 -4NY9 12/08 12/08 CYC5BTV6 12110 lZ/10 P.YMOStW 1Z/17 Stlndard Pur h LATE FEE - NPV PAYWENT PAST DUE 66 ??oo CVS 11630 MEW tUIIBERlAH PA 61 A5912US 1065 ZANY BRAINY 1114 CAWP HILL PA 61 A5945US 1065 CYM80REE 10 6500003657 CAWP NILl PA 61 A5641US 1019 THE CNILDRp S PLACE II CAWP HILL PA 61 A5641US 1065 CV5 11630 WE. CUWBERLAH PA 61 A5912U5 1065 OLD NAVY IS 48 CAMP K]LL PA 61 A5999US 1117 AOL-ONLIHE [RVICE 110 866-215-7712 YA 61 A4816US 3286 PAIN11NG HE RNINOS HARRISBURG PA 61 A5641US 1065 OLD NAVY .S -48 CAMP H]LL p~ 61 A5999US 1117 CV.5 U630 WEW CUW8ERl'. PA 61 AS91ZUS 1065 KATHY'S HAL .ARK HARRISBURG PA 61 AS947US 1500 PURCHASES*F NANCE CHARCE-PERIODIC RATE 84 0000 , i Citt Cards savlOQS Total PQfnts - CITI CARDS 5ArlHC5 5UWWARY - Previous Points Balanc~ Purc~ase Points Earned last Perigd Total Points I I Gift Cards rortationallY ~nown restaur~nts and rctail stores a e available at the 3.000 point level. Treat V rself, treat a friend. Enjay the benefits of th eil; Card and the eiti Cards Savinqs prOQra . S~ our website~ www.cit;cardsa ings.com or call 1-888-S30-9Z11 tor .ore inror 110n! I This statementJinCludCS a credit tor your portion of the s~ttlemlnt in tbe Schwartz lawsuit. I , I 3.619 TOTAL 3,220 399 3,6-19 .....e.l.nca S9635.17 IIfWlift'A!mAmlPuntOu. S442,05 - 35.DO DOooOooOOO 63.70 70438453326 63.46 70541863327 30,96 70410193329 12.50 70541963]29 40.36 70438453329 20.60 70411173329 23.90 7B432863332 76.13 7045326]]37 39.99 '704111733-42 22.88 70438453343 5,81 B0431543345 215.36 OOOOODOOOO ACID:KCB1B27 21:05:4T: - .67 EXHIBIT -1 '1 , . . ' nl : s.,. ht. Post lMt. .."'.IIC'_ ....., Ad"', LllStStac.lMnt -.. Please see the e closed Notice of Chanoe in Terms to Your Card A9reem ~t for importaht information regarding change to your Card AgreeMent. , On 8ehol1 of ciljbonk' Happy Holidays KEEP TRACK or yotR HOLIDAY SPEHDING! Stav on top of V ur purchases and available credit Oft vaur titi Car thlS holiday season. LQq~on at https:/lwww.titi ard5.co~ today and view your account summary nytjme. a~ywhere. I MANAGE YOUR ACC$NT ONLINE OUICKLY AND SECURELY learn what wr d 'or you and the precautions you can take to ~rotect ourself. Visit our website at https:/J....citi ards.co. and look for tbe S~cur;ty and You 1 ink. : i I Get fS state~nf.credit. Sian up for AI' Electronic. You' 1 have inst ot access fo your statepent online. without that pil at paper. Get an e-mail notice when your state nt is ready. Register or sig~-an to www.clticards.c _ and choose Manage My Account. Introducing C1tl~R) Idtntity Theft Solutions Identity t~eft c ft happen to ahyone. If it happen~ to you we can ~ lp with free specialized assistance. ViSit https:/lw w.citicards.com to learn ~re. Peace of mind i~knOWin9..' your eiti Card count \$ protected if your income stops. Call 1-8 -247-9965 to rind out how you can be prottcted. R eivr a $15 rebate coupon when you enroll . i Did you know 1h~t you won't lose a penny when you use your Citf{R C.rd online? With Cit;bank's SO liabl1it . you an have ~ace of ~ind knowinq that you wonol be he d responsible for any unauthorized ch~rqe5 on your account. , ACCCVJt Summ.l!ry reylDU$ (+) c; ases (, llymen oS + H (= ow B.I..c. & ancr' Cre-diU C\lARGE: aJ.,ce PURCHASES $8,986.29 $ 34.19 to.61 $215.]6 $9.635.17 ADVANCES $0.00 $0.00 0.00 $0.00 $0.00 TOTAL $8.986.29 $ 34.19 $0.61 $215.36 $9,635.17 '" s This Bnlln P.rlod': 30 R~te Summllry . .ne!' Joc 0 ~rlO u: Nomina ANNUAL Finane-to Ch.r e Rete APR P <; GE TE PURCHASES Standard Purc:h $9.362.05 O.07668%(D) 21.990"' 27.990"' .DVAHCES Standard Adv $0.00 0.07668$(0) 27 . 990"' 21.990"' .' . . . 11m : OZ/10/04 W::~:;'~~.iJi , ~ ':." ~.......... ..-." -..',",," I $S7Z.68 t;!!:~~~ SITE:KC-Cl TO:[0-6300 02/17/05 A[IO:KC818Z7 21:05:47: ANY l DANIELS 303 11TH ST NEW CUN8ERLND 17070-1109000 C ITI CARDS P.o. BOX 8111 5 HACKENSACK, NJ 07606-8111 PA I I I I I Citi- Platinum Select- ~ard Account Number I 54Z4 IBOI 1884 5514 '.'..UT lIlust U UCElwtO IT 1:00 ,. LOCAL nile 011 02/1 11004 For CUSh"" $wvke, tal OIlIrrtt. 1-800-950-5114 T....,t................ b1"" --...: ......._ -.._,...rio(Ma. 80X 6500 SIOUX FAllS, 50 51117 stat"",.nt/CloIltIQ OIt. Tot.1CrflIi,L._ .'i~il.b"'Crt il:Lif'le C1Ish"dva.~lim1t ,l,v.ailable C"hL,mfl H_s.a.aCll 01/16/Z004 $10ZIO $ Z8 $ZOO $ZOO $9881.10 ~~~ )..iC:u P.tDu. P\II'ChlAdv "lnilnumArnounl. OUI Mlllin'UllDu. $0 00 + $34Z.0S . SZ30.63 = $572.68 s... Date Post DtIt. RII...ce Mumhr ......., .~ L_t stlltemeat ........ '~J.."h C edits , Adjust~nts 1/16 97661109 PAYMENT THAi YOU '100.00 10 0000 0000 Standard PUf h 1/16 MEMBERSHIP EE JAN 04'OEC 04 0.00 74 0000 0000000000 1/16 lATE FEE - EC PAYMENT PAST DUE 35.00 66 0000 0000000000 12/17 12/18 KXTTY810 TOYS R US . 318 HARRISBURG PA 61.40 " A594SUS 1065 10434ZS33S3 1/09 1/09 WC.CGSOD AOL -ONLINE ERYICE 120 866-215-1112 VA 23.90 61 N4816US 3286 15432B64009 1/16 PURCHASES.r HAHCE CHARGE. PERIODIC RATE Z25.63 84 0000 0000000000 i (iti Cards Sav~n9s Tota) poi nts , . CITI CARDS SA1INGS SU'MARY . Previous Paints ~Iance Purchase Points Earned last Period Total Points . 3.104 , ; Gift Card~ for~'ational1V known restaurants and retail stores a ~ available at the J~OOO poinl ley~l_ Treat yo rseltl: treat a 'riend. EnlOY tne benetit' of the tit; ~rd and th~ Citi Cards Savfnqs program See aur website. www.clticardsav'ngs.com or call 1-888-530-9217 for nore infor t'on! TOTAL 3,619 85 3.704 Your account is~past due. Please pay th~ uiniMV. AMOunt ue shown. If you have already sent us this pa ~ent. thank you_ i Our records Shot home phone 711-714-1679 and bU5ines~ p~one 11-761-0252. Please update above coupon ,f 1QCOr eet. i I I i i I I ! EXHIBIT \~ .' . . ' : i i I A<t"". + La,St........ 5." D.t_ Pc.t o.t. R.r..-u ......, A.ccamt Summary PURCHASES AOVANCES TOTAL Rat. SUmm.ry PURCHASES Standard Purch AOVAHCES Standard Ad" reVICus alance- S9,63S.17 $0.00 S9,635.17 a Inc. 'l!C 0 finance Char eo $9.808.22 SO.OO +) rc .ses & va e $ 20.30 $0.00 $ 20.30 e-no :c Rat~ 0.07668"(0) 0.07668"(0) (-) .ymen:!ll &Cr dits $100.00 SO.OO $100.00 11'11 -.. (+ CHARGE $225.63 SO.OO S225,63 (- New alan e $9.881.1D $0.00 S9.881.10 D.. I ThIs Ball Perlod:]O Nom.nlJ ANNUA.l APR PERCENTAGE RATE 27.9901 27.990" 27.990" 27 . 990" .' .. I. . . 03/10/04 .-:.:v;.-.._;.~.J"~.;.:..~".~";t: :j!Mt_~"": 1 "!;_~~~~o=:e;,, '~'" CITl CARDS p_o, BOX 8111 5 HACKENSACK. NJ 07606-8111 $815.25 f.~l!f_t SITE:KC-CL TY:CO-6300 02/11/05 AYY L DANIELS 303 11TH 5T NEW CUIlBERLND 11070 -1309000 PA Citi. Platinum Select~ I I I I ~ard lOX 6500 SIOUX FALLS. SO 57117 rorCl.l~o""'S'fYke.edor"r1le 1-800-950- 5114 1...............__. tit ......... aM",... --..-..-...-.... A.ccount NQmber ;424 1801 1884 5574 '.'.t_1 M_S1 I( REC(Jy[O .y 1:00 ,. LOCAL 71.E O~ 03/1 tlOO4 Avaol~1IIe Cre illiM CUll Adv-..:e Limit 80 $200 ~=t ~~r P.slQw $0.00 + $57Z.68 + Ad",", lnee Lest stet8m.nl P.Y~ts. C edits. Adfult..nh eB 08 AOl.O LINE SERVI(E 120 866-215'777 T Z 0000 0000 ; Standard PU~Ch lATE FEE - AN PAYMEN7 PAST DUE 66 0000 pURCHA5ES.F NANCE CHAReE'PERIODIC RATE U OOOQ I ! eiti Cards Sav~nQS Total poi nh i . elTI CARDS SAtlNe5 SUNYARY , Previous Points Balance Purchase Point5 [arn~d Last Period Total Points Slolt.""nt/CloPnq O.te 02/16/Z004 a...llIbIlC.hLirnit $80 purcb/,Wy Mini_lr"DlJI $242.57 = Minlrrvm ~I OUe $815.Z5 ........ Tot. Credll Li_ $lOnD Hew 8a1",~ $10129.77 $.. 0.1. PoSt P.ttI ..r....~ "'mMr 2/15 59010001 -Z3.90 7543216'009 Z/16 Z/16 35.00 0000000000 237.57 0000000000 3,680 TOTAL 3,704 -2' 3,680 i Girt Cards for~a';on~llY known restaurants and retail stores a e avajlab'~ at the 3~OOO ~jnt level. Treat yo rself~ treat a frien~. EnJOY the benefits of the (1ti ~ard and the C;ti C~rds Savinqs ~roqra . See our w~bstte. www.clt1card.~ in9s.~om or call 1.888-5)O~9211 for more ;nfDr tlcn! Your account is~past due. Please pay the Mjn;mu~ A~unt Due shown. If you have already sent us this pa _ent. thank you. AC1D:KCBI827 21:05:47: EXHIBIT I q Account Summary PURCHASES ADVANCES TOTAL rlP\/KlU$ 8a lance $9,881.10 $0.00 $9,881.10 {1') n: ases & ces (-) .ym 5 & Credit $23,90 $0_00 $23.90 (= New .l.,cl!' $10,129.77 $0.00 hO.lZ9.77 ~ s This BUill ~rloct. 31 Norrunlll ANNUAL APR P RCENTAGE RAT 35.00 $0.00 $35.00 R.t. Sl.lInm8r'l PURCHASES Standard Purch AOVA.NCE.S Standard Adv !Ii ene. Su Jee 0 FinanCe Ch.r Pert IC Rate $9.994.06 $0.00 0.07668%(0) 0.01668%(D) Z7 .990" Z7 .990% Z7.990" Z7 . 990% ... ..' 04/09/04 nM-l#t@tB $10148. 7 $804.25 ~C::~~-:.:~:- '~m f.~~~~ .'. SITE:KC-CL AMY L DANIELS 303 11TH ST NEW CUMBERLND 17070-1309000 C IT I CARDS P.O. BOX 8111 S HACKEHSACK, NJ 07606-B111 I Cltl" Platinum Select" ~ard -- , i424 1801 1884 5574 i custom.r Service: 1-800-950-5114 BOX 6500 SIOUX FALLS, SD 51117 s... oet. Post I>IIt. 3/11 3/16 3/16 AccCUtt Sunun.-y PURCHASES AOV AHCES TOTAL R.tR Summary PURCHASES Standard Purch ADVAt4CES Sta"dard "dv PA r.t"'CrHltlJnt $I0ZIO $tat'<<I-.ntl Cleslnj D..t. 03/16/2004 R.I.,...C:IINUIIl"r ""tI"l>>IeC~ ItLlr-ll' $0 Amov t Oll'.r /ire It\.lr-. '1$10". SO 00 . $572.68 . kttvlt, IItI Lat Shtlmlllt ".yftlnt.. C, dits " Adjustments PAYMENT THA~K yOU 70 0000 0000 Stancl.rd Pu~h LATE rEE. B PAYMENT PAST DUE 66 0000 PURCHASES-Fl ANCE CHARGE-PERIODIC RATE 84 0000 , c.." AdII.1IlW:. L1thlt $200 4~lZ6493 Your account is~ast due. Please pay the Minimum Anount ue snawn. Re~~er. regular monthl ayment will help e~tabl;sh a ood pay..nl Cistory with us. If you have .1readY sent us this pa ment, thank you. PrevIous '1 cases (.j arm!'n 5 Bal",cl! '-A antes Credits $10.li9.71 3S.00 $Z4Z.5T 0.00 $0.00 $0.00 $lO.lZ9.71 35.00 $Z4Z_S7 .Ie. ~eo rinance Char e Ino Ie Rllte $10.188.99 $0.00 0.07668"(0) 0.01668"(D) .......II.blll' c.,_ !.Imlt $0 p..rcllfAth' 1Il1"''''''fI\ Da. $231. 57 = + I He CHARGE $ZZ6.57 $0.00 $~26.57 O. omln. APR 21 .9901 27.990'4 TM:CD-6300 02/17/05 .-. Cltl He" ''''loUIe, $1014B,77 IIllolrnu", Amount Du, $804.2S --." -Z42.57 3S.00 0000000000 226.57 0000000000 ACID:KCBI8Z7 21:05:47: EXHIBIT !JD =)HIIW Selene $10,148.77 $0.00 $10,148,71 Tnls aOlln PtrlOQ; 29 ANNUAL CENT E RAT 27.990" Z7 .990" .... .' 1:11 05/11/04 $10289. 5 $994.98 t.r!W!@ll:~T;~ r:iij(_:::~::.... 3i g!.i1~;~@;;~~ SITE:KC-Cl TM:CO-6300 02/17/05 C IT I CARDS P.O_ SOX 8111 5 HACKEN5ACK. NJ 07606-8111 AMY l DANIELS 303 11TH 5T NEW CUMBERlMO 17070-1309000 I elt." Platinum Select" ~ard AOCQunt Number I ;.Z. 1801 1884 557. I Customtr SII'Vke: 1-800-950-5114 BGX 6500 SIOUX FAllS. so 51117 Sill D_11t Pathte ./15 4/15 4/15 AccGgJt Summwy PURCHASES ADVANCES TOTAL Rat. Summary puRCHASES Standard Purch AOV""CES Standard "dv PA .-. Cltl 6104116. "".n.b1t C~Pt_ Line $0 A_lOve'r Cr. II L1". Past DII. $79 75 + $674.25 + AdMty ..LatA....lnW P.ynents. C !f1ts , Adjust8ents PAYMENT THA K YOU 10 0000 0000 Standnd PU;h LATE rEE - AR PAYMENT PAST DUE 66 0000 PURCHA5ES"r NAHCE CHARGE"PERIOOIC RATE 8. 0000 ! Ple~se pay the ltftinum Amount Due 5hown. Your account is p~st due and your balance is over the credit line. Regular ~nthly pay.en1s will h lD establish a good payment history with us If you have already seAt t~is payment. thank ou. 35.00 0000000000 235.98 0000000000 T.t.1 Crf1lllllM $10210 $tat._nU Clnln.9 D.h 04/15/2004 C.SI'I Ad\/anc.eUl'IlIlt $200 Aullolble C.sh Umlt $0 P'IlrchlAdv MlnlIl'IUMDu. $240.98 = N_a..lol"c. $10289.75 "'lnllMl\\ A...u.t D". $994.98 ....... R.I.,..ftC.NU""'.r -130.00 ACI0:KC81BH 21:05:47: EXHIBIT d \ PrevIous Balancf $10.148.17 $0.00 $10.1.8.17 ('t-) rc ases 5. Avances 35.00 SO.oo 35.00 H .yme s & C r~its $130.00 $0.00 $130.00 +) Ne CHARGE $235.98 $0.00 $Z35.98 (=) ew Balance- $10.289.15 SO.OO $10.Z89.75 . anC-f ~I!C 0 Finance Char f! Da Thb emr P.,locs: 30 NbfTllna ANNUAL APR P RCENTA6E R TE eno u: Rat~ $10.Z58.09 $0.00 0.07668l\(Ol 0.07668$(0) 21,990~ 27 .990% 21. 990S 27 . 990~ . . . . .'11' 06/14/04 @it.$j;:;;::rW $10615.26 $9999.99 ~~ .:::::~~~:=~.~: .:~~ lif~~.1 SITE:KC-CL CHI CARDS P.O. BOX BIll 5 HACKEN5ACK. NJ 07506-B111 AllY L OAUELS 303 11 7H 57 NEW CUIIBERLND 17070-1309000 PA Citt" Platinum Select- l:ard 4el;ountNuIrIIMK ;424 1801 1884 SS74 CUStonMr S....e: "800'950-5114 jOX 6500 510UX FALLS. SO 57117 Sol" D.c. Post 0... S/17 S/17 S/17 Ac:tOlnt SUmmwy PuRCHASES ADV"NCES TOTAL R.t. SUmm....y PURCHASES Standard Purch ADVANCES Standard Adv Tot.!Crodlll.lnc $10210 5~t"".nt/ Ctl.sl"Q o..t, 05/17/2004 ...'..K.llh....Il., a.......1Ne Crt k Un. cut! Altl.J1M:1' limit $0 $200 A.1ftO. 10".r Cr. It Un_ ".st 0.. $40S 26 + $915.23 A"M,.btt c.,tllllnlt $0 Pllrch/A4v "'lnlm''''D''. $260.51 711:CO-6300 02/17/05 em. ""tllllau $10615.26 MlftllIlUIII AlnOUll.t DUll $10615.26 ........ 35.00 0000000000 35.00 0000000000 2SS.51 0000000000 EXHIBIT (1:1) ew Balance SI0.615.26 $0.00 $10,615.26 . _nee Ie 0 finance Char e- eno Ie: Rate D~ s Tnls Bhlfn P.rrcct J2 ~~a ANNUAL APR PERC AGE RATE 27.990S 27. 9'OS Adhrlt, '~lat$t...._.t Standnd Pur h LATE FEE ' A R PAYMENT PAST DuE 66 0000 OVER CREDIT LIMIT FEE 62 0000 PURCHASES"F ANCE CHARGE"PERIODIC RATE 84 0000 Please note tha payments nust be receiVed by 1:00 p.... loca time. an a bank business day at the paynent pr essinQ facitity that handles your payments. in or er to be credited to your account as Df that day, and paYMents must conform to the pay~nt ins ructions set forth on the reverse side. All cont r~inq ~ay~nts recri~ed at the Cay~nt froce,s nq rael11ty after that time will e credi cd as f the following bank busines$ day. I I , Help is .vailabl"el Please call the toll-free number shown ab ve fa l~arft abOut our special payment options Call Nonday - friday. 1 am to 9 pm. or SatUtd y, 8 a~ to S pm, Central Ti~. Please qive us he opportunity to assist you. I i r.vIGUs B lance $10.2~..7S $0.00 $10.289.15 (+ r~ 1Se5 A vane 10.00 $0,00 70.00 + CHARGE $255.S1 $0.00 $25S.S1 aymen s & Credits 10.00 0.00 0.00 $10.412... SO.OO 0.076685(D) 0.01668S(0) 27.990S 27.990% ACID: KC81BZ7 21:05:47: d~ " , ~ , . ' AMY L DANIELS 303 11 TH ST NEW CUIIBERL"O 17070-1309000 : 07/IZ/04 *~#fIX~J ~ r.~:"":':~'::~'" _~~;~~ $9999_99 ~~l~i 0'11 SITE:KC-CL elTl CARDS P.O. BOl 8111 5 HAeKENSACK. "J 07606-8111 PA Citt Platinum Select. <:ard A~N""'" ;4Z4 1801 1884 5574 Customer senter.: 1-800-950-5114 BOX 6500 SIOUX FALLS. SO 57117 51"~. Pat N. 6/16 6f16 6f16 Account SUlnm.-y PuRCHASE.S A.OVANCES TOT AL A.t. Summary pURCHASES Standard PUl""ch ADVANCES Standard Adv A...I..ttleCr KUnt $0 ...",_10..., Cr. II L1n. P.st ChI. $722 19. $1175.74 Acttwlty 5 ItA' Last St..m.1ll Stand.rd Pur h LATE FEE - 0 Y PAYOENT PAST DUE 66 0000 OVER CREOll IOIT FEE 62 0000 PURCHASES-rINAHCE CHARGE-PERIODIC RAlE 84 0000 [- Help is aval1ab~! Plea~c call the tDl1~rree number ~ho.n ab ve to learn about our special payeent options. Call Monday - friday, 7 am to 9 pm. or Saturd V. B am to 5 pm. Central Time. P'~ase give us the opportQnity to assist you. Total Cr~dlt Un, $10210 Stat.....,., Closl"9 rh.t, 06/16/2004 ........c. Null'l~" fltVlOU5 Bel..,ce $10,615.26 $0.00 $lO.615.Z6 CuIlActf'''llc~L1,.lt $ZOO ('t) rc l!IIses &A van e 70.00 $0.00 70.00 (-) lIyme s Credits 10.00 0.00 0.00 a .nee- Jee; 0 finance Char" enD IC Rate $10.734.14 $0.00 Ann.blr t.tslt l..lmtt $0 '.rc:It/"." MlNmUll'l D.. $251.93 . CHARGE $246.93 $0.00 $Z46.93 TII:CO.6300 02/17/05 CITe .-w ..I'lIc~ $10932.19 MlnllnUIft A....t ~ $10932.19 -.. 35.00 0000000000 35.00 0000000000 Z46.93 0000000000 ACI~:Ke81827 21:05:47: EXHIBIT h<3 (=)New ell nee $10,932.19 $0.00 $10.932.19 D. Ttds 81111 ~rlod: 30 Nomlnl ANNUAL APR P CE TAG RATE Z7 .990", 27.990' 0.07668"(0) 0.07668"'(0) 27.990", 27.990"' ,'". .' l'lf 08/11/04 M!!t:gAA\lK~ $11258 80 $9999.99 SITE:KC-CL TN:CO-6300 02/17/05 ACID:KC818ZT 21:05:47: :t?~~;" :~; ~~-.;:~ ~~.:';:~.:::'.':ij.:~_i.~_:.:.~.<<.;.i~.. .;~..t:"'''''''''-_'_''-'''':{':''''''''._ .. AMY L DANIEL5 303 11TH 5T NEW CUMBERLND 17070-1309000 CITI CARDS P.O. BOX 8111 5 HACKENSACK, NJ 07606-81Il PA , ~,~~~~~.num Select' pard Custom.. _0: 1-800-950-5114 Bar 6500 slour FALLS, 5Il 57117 S... DIll. Post Dat. ..I....1tQI Nla....r ell.. TotalCre-illt Lltl.. $10210 Sut...."t' CI~.lttQ Dct. 07/16/2004 .....n.-III. Cr dtt \.In.- $0 ~lltOY.r Cr"UU". $104 .80 . c.... AdVa.ce Urn" $200 Plsl Due $1427.67 A,.lloble c.ash\.lmlt $0 hrcblAlh' tifnl....Du. i261. 61 H.. a...,," $U258.80 MtnI"",,,, Al'IIov.t b.,. $11258.80 -.. 7/16 T/16 7/16 AdWlty ID.~ ~t $tMom.nl St."dnd PU ch LATE FEE - UM PArMENT PAST DUE 66 0000 OYER CREDIT LIMIT FEE 62 0000 PURCHASES" NAMCE CHARGE. PERIODIC 84 0000 RATE 35.00 0000000000 35.00 0000000000 256.61 0000000000 Help is a~ailab e! Please call the to'l~rree number shown. ve to learn about our special pay~nt option. Call Monday - Friday, 1 a. to 9 pm, or 5atur y, 8 a. to 5 pm, Central Time. Please give us he opportunity to assist you. home phon~ 717.174~1679 and 11~T61-0252. Please update eel. Our records $11 busines5 phone coupon if ine-or EXHJBJT~ AccOU'It Summary PURCHASES ADVANCES rOTA.l Pr~IDUS (tl urchases (-) aymen $ + (=, ow Bill_nee- & dval\ces Cre-dits CHARliE Blllance $10. 9]Z .19 $70.00 10,00 $256.61 $11.258.80 $0.00 $0,00 0.00 $0.00 $0.00 $10,932.19 $TO.OO 0.00 $256.61 $11,258.80 Rate Summ.ry PURCHASES Standard Purch ADVANCES Standard Adv II anclt IIlC 0 rinance Char Ie eno rc;- Rate DiI s ThIs 8.lln PlfJad: JD omrna ANMUAL APR P CE TAG ATE $11.0S5.T2 $0.00 0.07737%(0) 0.07137%(0) ~8.240'" 28.240% 28.~40'" 28.240% +- lo.. .' I'll 09/13/04 \'"iWtfif~t $11578 43 $9999.99 <-~:. .-~~"...,.,.".x~, '.;";",",:, <<..' 0:;... ..L....;...... .~; t~....] SITE:KC'Cl CIT! CARDS P.O. 80X 8111 S HACKEHSACK, NJ 07606-8111 AllY l DANiElS 303 11 TH 51 NEW CUMBERLND 17070-1309000 PA Citl- Platinum Select- Card ""'-- 5424 1801 1884 5514 Customer Service: 1-800-950-5114 BOX 6500 SIOUX FALLS. SO ST117 s... Del. Po$t D.t. l8/IT I 8/11 AeeOQ"lt Summwy PURCHASES ADVANCES TOTAL Rat. Summar., pURCHASES Standard Purch ADV ANeE5 Standard Ad., Da This Bllln Pl!rlQCI; 32 amlna ANNUAL APR PERC NTACE RATE Z8.490S Z8..90S l8.490S l8..90S Tot.. CredIt Line $10210 5t.tt-.nentl Clolln,lJ.tl 08/17/Z004 ReI....~ Mu""" A.,II_I, Cr ItLl1l1 $0 Alii. nt Oy.r C;r .It L1n. P..t DtIe $136 ,43' $1689.28 Acthtt., tl~ l..t stateftWlJlt St.1nd.-rd Pu cb OVER CREDIT LIMIT FEE 62 0000 PURCHASES.F NANCE CHARGE.PERIOOIC RATE 84 0000 I Help is availa~e! Please call 1he toll.free number shown a ve to learn about our special payment opt;on. Call Monday ~ rriday. 7 a~ to 9 pm, or 5atur ay. 8 am to 5 pm~ Central Time. Please Qi~e us the oPPDrtunity to assist you. I I , i C_", Altv'41.ceoU...lt $ZOO ",,-'IIItI. catb lll'l'llt $0 ParchfA.dv I1""Jaua.Du.. U89_63 r''iIOUS Balance $11.258.80 $0.00 $11,258.80 +) ure a5U ar,ces. $35.00 $0.00 $35.00 1I nee ~'e 0 rinante Ch6r e en Ie Rate $U. 396.08 $0.00 0.07805%(0) 0.076055(0) TIoI:CO'6300 OZ/17/05 em. He" hi_fin $11578.43 ""'IMUIIl Amou.t h_ $11578.43 ....nI 35.00 0000000000 284.63 0000000000 EXHIBIT (=)NeW B lilne $11.518.'3 $0.00 $11,578.43 ACID:KC81827 Z1:05:47: C)5 .'" .' ( . . Complete _1.2, ond 3. A110 complete 118m 4 W._ DilIWIY 10 de8l1lld. . p~nt your""",,, and __ on \he__ 10 th8t we can mum \he card lD you. . Attach _ card lD \he back of the mallp1ec*; or on the front W oplIC8 permitB. 1. ArtIoII.Ari:U Hulto: f'i. ^ _ /J D Agent ~b_ by ( PrIn/od NIImoJ C: Dolo 01 DoIIY1ly ("-8- IiTSIf/ ~- ;;:lSdS : 10-"__"""'_11 D'''''' . , "YES,......doIlY1ly __ _: D No S ho.~ e ~ .\<)qJe, ~:f' Y(MO--I'('i0&\e \toed ~e. 90' c.a.~ ~\\ ,'VA no \ I 3._~ D~MaII tJ~MoIl D R..""'-..d D -... RocIIplfor_ D 1_ Moll D C.O.o. 4. _1loIIYIry? /&lnt Fee) D v.o 2.__ (1Ionsfflrllutr P8 Form 3811. February 2004 DomooIlc -... RecolpI - t/<f7Y lCJ2SII.Q2-M.l5<<) 7DD2 3150 0002 2639 7795 .... -t .' , BURTON NEIL & ASSOCIATES, P.C. Yale D. Weinstein, Esquire ill #89678 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CnffiANK (SOUTH DAKOTA) N.A. Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA v. : NO.04-6110-CV AMY 1. DANIELS Defendant : CIVIL ACTION - LAW Plaintiff's Memorandum of Law in Support of Motion for Summary Judgment Plaintiff filed a complaint against defendant to recover the past due balance owed on a credit card account for $11,578.43. Defendant filed an answer. Plaintiff preliminarily objected to the answer, and defendant filed an amended answer. The pleadings are closed. Plaintiff served defendant with requests for admission. Defendant failed to respond to the requests. Plaintiff filed a motion for summary judgment pursuant to Pa R.C.P. 1035.2 asserting that the material facts in support of its claim are undisputed. The record in support of plaintiff's motion consists of the pleadings and discovery. Plaintiff's motion is before the Court for disposition. Defendant did not answer the requests for admission. Pursuant to Pa R.C.P. 4014, each fact contained in the requests was admitted due to defendant's failure to answer. The following facts were therefore admitted: a. Plaintiff issued a credit card to defendant with account no. 5424180118845574. b. Defendant received 25 regular monthly billing statements from plaintiff. c. Within 60 days after defendant's receipt of the monthly billing statements, defendant did not dispute any of charges or credits appearing in the statements. d. Defendant last made a payment on the account on April 15, 2005. e. The balance due on the account is $11,578.43. Although the facts admitted from defendant's failure to answer the requests for admission alone are sufficient to support plaintiff's motion for summary judgment, the responses contained in defendant's answer to the complaint would allow the Court to reach the same conclusion. Analysis of defendant's answer begins with Pa.R.C.P. 1029(b) which provides: . ~ (4. .' Averments in a pleading to which a responsive pleading is required are admitted when not denied specifically or by necessary implication. A general denial or a demand for proof, except as provided by subdivisions (c) and (e) of this rule, shall have the effect of an admission. Defendant admitted paragraphs I through 4 of the complaint. In doing so, defendant admitted the names and addresses of the parties (Paragraphs I & 2), that plaintiff is in the banking business and issues credit cards (Paragraph 3), and that plaintiff issued a credit card to defendant (Paragraph 4). Defendant also admitted, in part of her response to paragraph 7 of the complaint, that she received monthly statements from plaintiff. To paragraphs 5, 6 and 9, defendant responded, "After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth or falsity of the averment contained in Paragraph[s] [5,6 and 9] of the Complaint and therefore deny the allegations thereof. Strict proof will be demanded at time of trial if the same be material." Unless defendant's response falls within one of the exceptions to Ru1e I029(b), defendant will be deemed to have admitted the allegation of fact plead by plaintiff. The only applicable exception wou1d be under Pa. R.C.P. 1029(c) which provides: A statement by a party that after reasonable investigation the party is without knowledge or information sufficient to form a belief as to the truth of an averment shall have the effect of a denial. Note: Reliance on subdivision (c) does not excuse a failure to admit or deny a factual allegation when it is clear that the pleader must know whether a particular allegation is true or false. See Cercone v. Cercone, 254 Pa.Super.381, 386 A.2d I (1978). Defendant's response failed the Cercone test. In Cercone v. Cercone, 254 Pa.Super.381, 386 A,2d I (1978), the Superior Court stated: "Medusa Portland Cement v Marion Coal & Suoolv. Pa. Super., 201 A, 2d 285 (1964) and Frazier v. Ruskin, 203 Pa.Super. 525, 199 A.2d 513 (1964) make clear that a defendant may not rely upon Rule 1029(c)(1) to excuse a failure to make a specific denial of factual allegations contained in a complaint when it is clear that the defendant must know whether a particu1ar allegation is true or false." See Lee v. Tierney,1 Phila. 295 (1978). In Scales v. Sheffield Fabricatinll: and Mach. Co., 238 Pa. Super. 568, 393 A.2d 680 (1978) the court had to determine whether a Ru1e 1029( c) denial was an admission. The .. t" .' complaint alleged, among other things, that plaintiff's total compensation for an engineering project was to be $10,000 and that he had been paid $5,000. Defendant responded under Rule I 029( c). The court held that under the facts, the denial was an admission: When it is obvious as it is here, that the information necessary to formulate a specific denial is neither within the exclusive control of the adverse party nor unascertainable after reasonable investigation, the court ought to ignore the 1029(c) averment. Delaware Vallev Caroetinl! v. Leicht, 73 D. & C.2d 51, 53 (c). P. Bucks 1975), Afi'd per curiam, 234 Pa.Super. 754,342 A,2d 419...We agree with the lower court that it is 'incredible that (appellant) as a party to said documents (contract and proposal) and the party responsible for carrying out the building of the prototype should be so completely ignorant of what transpired. . . as to be unable to answer the clear and simple allegations of the Complaint. ' . . .An answer which states, using the Rule I 029( c) formulation, that appellant and its corporate president were unable after reasonable investigation to determine whether appellee had been paid only $5,000 or the $10,000 due him by appellant under the contract is classically and inherently incredible. Applying Cercone and Scales to defendant's answer, it is contended defendant did indeed know whether the allegations of the complaint were true or false. Paragraph 5 of the complaint averred that plaintiff maintained an accurate and running record of all activity to the account. Paragraph 6 of the complaint averred that plaintiff sent defendant regular, accurate monthly billing statements. Paragraph 9 averred the balance due of$II,578.43. Clearly, defendant had the information to respond to these averments based on her paragraph 7 admission that she received the monthly statements. All of this information, that is, the accuracy of plaintiff's accounting and a statement of the balance due is contained in the statements. As in Scales, all defendant had to do was review the statements in order to admit or deny the averments. As such, defendant must be considered to have admitted paragraphs 5, 6 and 9. Paragraph 7 of the complaint averred that defendant never protested, disputed or objected to the statements. Defendant's response to paragraph 7 states in part, "Defendant avers, on the contrary, that she protested and objected on several occasions to the amount of the fmance charges, late fees and other penalties that defendant accrued on her credit card account." Paragraph 8 of the complaint averred that defendant agreed to the correctness of the account balance. Defendant responded, "Paragraph eight (8) of the complaint is denied. On the contrary, .' .~.. .." , Defendant is protesting, disputing and objecting to the statements including the Exhibit A statement and, therefore, does not assent or agree to the correctness of the balance due on the credit card account." Close analysis of these responses reveal that neither meets the Pa.R.C.P. I 029(b) requirements for a specific denial. "Although no fixed rule can be stated for determining whether a denial is specific, generally for a denial to be specific, it must deny what is averred and then must affirmatively aver what did occur in place of the facts as averred." 5 Standard Pennsvlvania Practice 2d Section 26:40 and the cases cited therein. In Acme Cotton Products Co. v. Michael McDonoul!h. Inc., 61 Pa. D. & C.2d 608 (1972); affirmed,per curiam, 225 Pa. Super. 701,306 A,2d 351 (1973), the Court directed a verdict finding the answer was actually admissions under Pa. R.C. P. 1029(b): Nowhere in defendant's answer does he allege that the goods received did not conform to the terms of the agreement. Neither does he even attempt to articulate any specific defect in the goods received; his answer amounts to bald statements that the goods were in a defective condition and unsaleable. As a consequence of this admitted 'badly drafted Answer,' the allegations in the complaint are deemed admitted. See Pa. R. C. P. I 029(b). Defendant's responses to paragraphs 7 and 8 fail the Acme test as stated above. Nowhere does defendant aver the nature of any dispute, when the disputes took place and what the correct balance should be. As such defendant's bald statements should be deemed admissions. Through the pleadings and discovery defendant effectively admitted all of the material allegations of the complaint. These judicial admissions are binding and conclusive in establishing liability. In Jewelcor Jewelers & Distributors v. Corr, 373 Pa. Super 536, 542 A,2d 72 (1988), the Superior Court addressed the effect of a judicial admission, as follows: A judicial admission is an express waiver made in court or preparatory to trial by a party or his attorney, conceding for the purposes of the trial, the truth of the admission. It has the effect of a confessory pleading, in that the fact is thereafter to be taken for granted, so that the opposing party need offer no evidence to prove it and the party by whom the statement was made is not allowed to disprove it. See 9 Wigrnore, Evidence Section 2588 (Chadbourne Rev. 1981). It is axiomatic that a judicial admission cannot be contradicted by the party that made it. See Tops Apparel Mf~. Co. v. Rothman, 430 Pa. 583,244 A.2d 436 (1968). The standard to be followed in determining whether summary judgrnent should be . ~ ..... .." granted is found in Pa.R.C.P. 1035.2, Motion for Summary Judgment which provides: After the relevant pleadings are closed, but within such time as not to unreasonably delay trial, any party may move for summary judgment in whole or in part as a matter of law (1) whenever there is no genuine issue of any material fact as to the necessary element of the cause of action or defense which could be established by additional discovery or expert report, or (2) if, after the completion of discovery relevant to the motion, including the production of expert reports, an adverse party who will bear the burden of proof at trial has failed to produce evidence of acts essential to the cause of action or defense which in ajury trial would require the issues to be submitted to ajury. The Superior Court elaborated on an earlier version of the standard set forth in Rule 1035 in Pennsvlvania Gas & Water Co. v. Neanna & Frain. Inc., 320 Pa.Super 291,467 A.2d 330 (1983), stating: The moving party bears the burden of demonstrating that no genuine issue of material fact exists and that he is entitled to judgment as a matter oflaw. In determining whether the moving party has met this burden, the court must examine the record in the light most favorable to the non-moving party, giving that party the benefit of all reasonable inferences. All doubts as to the existence of a genuine issue of material fact must be resolved against the moving party. Summary Judgment should be granted only in the clearest case, where the right is clear and free from doubt. This is such a case. Defendant admitted all of the facts necessary to sustain plaintiff's motion by his failure to answer the requests for admission. Defendant's answer contains no triable issue off act. For the reasons set forth above, plaintiff submits summary judgment should be entered under Pa. R.C.P. 1035.2 in its favor and against defendant in the sum of$II,578.43 plus the costs of this action. In making this communication, we advise our fmn is a BY: ,.a""- I. ..' BURTON NEIL & ASSOCIATES, P.C. By: Yale D. Weinstein, Esquire Identification No. 89678 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 ATTORNEY FOR: Plaintiff CITIBANK (SOUTH DAKOTA) N.A. : IN THE COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYL Y ANIA YS. : NO.04-6110-CY AMY L DANIELS Defendant : CIVIL ACTION - LAW Certificate of Service I, Yale D. Weinstein, Esquire do hereby certify that a I served a true and correct copy of the within Motion for Summary Judgment, proposed Order and supporting Memorandum of Law on defendant, Amy 1. Daniels, at his/her address of record via first class mail, postage prepaid on the date set forth below. Date: "11 I~ BY: SOCIATES, P.C. The law firm of Burton Neil & Associates is a debt collecto C-4479 . ';~9 ",.,'} <-"~,l ';-i1 :-:;:! f'i'i cr~ f",) C' ~', 'i (.,) C It- < PRAECIPE FOR LISTING CASE FOR ARGUMENT TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argument Court. CITIBANK (SOUTH DAKOTA) N.A. Plaintiff v. AMY 1. DANIELS Defendant No. 04-6110-CV Civil Action-Law 2004 1. Matter to be argued: Plaintiff's Motion for Summary Judlmlent and Brief in Supoort 2. IdentifY counsel who will argue case: (a) for plaintiff: Burton Neil, Esquire, ID# 11348 BURTON NEIL & ASSOCIATES, P.C. 1060 Andrew Drive, Suite 170 West Chester, PA 19380 (610) 696-2120 (b) for defendant pro se: Amy 1. Daniels, pro se 303 11th Street New Cumberland, P A 17070-1309 3. I will notifY all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: Sevtember 6. 2006, ~ BURTON NEIL & ASSOCIATES, P.C. By: Burton Neil, Esquire Identification No. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 ATTORNEY FOR: Plaintiff CITIBANK (SOUTH DAKOTA) N.A. Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA VS. : NO.04-6110-CV AMY L DANIELS Defendant : CIVIL ACTION - LAW Certificate of Service I, Burton Neil, Esquire, do hereby certify that I served a true and correct copy of the within Praecipe for Listing Case for Argument on pro se defendant, Amy L Daniels, at her address of record via first class mail, postage prepaid on the date set forth below. B SOCIATES, P.C. Date: It 3t/u6 BY; -~--~ Burton Neil, ~ire Attorney for Plaintiff The law firm of Burton Neil & Associates is a debt collector. C-4479 l'\_ . ~ i ~ 2:1:' ~ ~I m~ ~ ~ ie: ~ g ~ : ~ CITIBANK (SOUTH DAKOTA) : IN THE COURT OF COMMON PLEAS OF N.A. : CUMBERLAND COUNTY, PENNSYLVANIA \ V, AMY L. DANIELS : NO. 2004 - 6110 CIVIL TERM IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT BEFORE OLER, GUIDO, 11. ORDER OF COURT AND NOW, this 13TH day of SEPTEMBER, 2006, upon review of the Plaintiffs Motion for Summary Judgment and the documents attached thereto, it is GRANTED, Judgment is entered for Plaintiff and against Defendant in the amount of $11 ,578.43 plus costs. Edward E. Guido, 1. kn Neil, Esquire 1060 Andrew Drive, Suite 170 West Chester, Pa. 19380 ~y L. Daniels 303 11TH Street New Cumberland, Pa. 17070 :sld t! 9 ~ 0..: \) r '2.-) : \\1 c:\ _.; t ~ BUrton Neil & Associates, P.C. BY: Yale D. Weinstein, Esquire ill. NO. 89678 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 ATTORNEY FOR: Plaintiff CITIDANK (SOUTH DAKOTA) N.A. : IN THE COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA v. : NO. 04-6110-CV AMY L DANIELS Defendant : CNIL ACTION - LAW Praecipe for Entry of Judgment on Court Order To the Prothonotary: Enter judgment on behalf of the plaintiff, Citibank (South Dakota) N.A., and against the defendant, Amy L Daniels, as per the Court's Order dated September 13,2006 and assess damages in the sum of$II,578.43. ale D. Weinstein, Esquire Attorneys for Plaintiff And now, this .2S+"- day of 9e.pL. , 200 ,jndgment is entered on behalf of the plaintiff, Citibank (South Dakota) N .A. and against the defendant, Amy L Daniels, in the sum of $11,578.43. ~ot Deputy In making this communication, we advise that this office is a debt collector. r .. (-LNtq CITIBANK (SOUTH DAKOTA) N.A. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA V. AMY L. DANIELS : NO, 2004 - 6110 CIVIL TERM IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT BEFORE OLER, GUIDO, 11. ORDER OF COURT AND NOW, this 13TH day of SEPTEMBER, 2006, upon review of the Plaintiffs Motion for Summary Judgment and the documents attached thereto, it is GRANTED. Judgment is entered for Plaintiff and against Defendant in the amount of $11 ,578.43 plus costs. Edward E, Guido, J. Burton Neil, Esquire 1060 Andrew Drive, Suite 170 West Chester, Pa. 19380 Amy L. Daniels 303 11TH Street New Cumberland, Pa. 17070 :sld t" - B'urton Neil & Associates, P.C. BY: Yale D. Weinstein, Esquire ill. NO. 89678 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 ATTORNEY FOR: Plaintiff CITffiANK (SOUTH DAKOTA) N.A. : IN THE COURT OF COMMON PLEAS 701 East 60th Street N Sioux Falls, SD 57117 Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA v. AMY L DANIELS 303 11 th Street New Cumberland PA 17070-1309 Defendant : NO. 04-6110-CV : CIVIL ACTION - LAW Certification of Address and Affidavit of Non-Military Understanding that false statements herein are subject to penalty under 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities, I verify that: 1. The above are the precise last-known addresses of the judgment creditor and debtor. 2. Pursuant to Section 201 (b)(1)(A) of the Servicemembers Civil Relief Act of2003 (SCRA) the defendant is not in the military service ofthe United States based on information received from the defendant and/or the Department of Defense website. In making this communication, we advise that this office is a debt collector. l1-~ - r -- ~ ~ t w "S <- ~-c: ~\) ~ -c . o o -J ?- ~ ~ ('") c:. ~ --c (D C0~-:.~. ~:\ ~~L,' '/'" ...,._~ Z'7 ; ~.~ \~~ F '- ~ .....~ 'C@, ~ % -0 rV (.11 -0 ~ .-\ ::t:-n rn-- -'o~ ~J)q (2, C.) ~,'" ~,~ -0") _~ !....C') .,'.c..tn o -\ y ~ ::i: 't? o --