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Home My WebLink About13-4951 Supreme C: .Pennsylvania Cour f CW1 m n Pleas CI t et �E CLIMB County The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service of leadin s or other papers as required by law or rules of court. O'N Q� Commencement of Action: y ®Complaint F Writ of Summons E] Petition °.1, E] Transfer from Another Jurisdiction []Declaration of Taking Lead Plaintiffs Name: Lead Defendant's Name: PORTFOLIO RECOVERY ASSOCIATES, LLC MARK A BAHR Are money damages requested? ® Yes ❑ No Dollar Amount Requested: X within arbitration limits 0 (Check one) — outside arbitration limits Is this a Class Action Suit. []Yes ®No Is this an MDJAppeal? []Yes ®No Name of Plaintiff /Appellant's Attorney: Robert N. Polas, Jr./ Carrie Brown/ Mark R. Garvey ,;. ❑ Check here if you have no attorney (are a Self- Represented [Pro Sel Litigant) `\ Nature of the Case an "X" to the left of the ONE case category that most accurately describes your 2 • PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. \\ W ` �'A TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies F1 Malicious Prosecution E] Board of Assessment ❑ Motor Vehicle ❑ Debt Collection: Credit Card ❑ Board of Elections Nuisance ® Debt Collection: Other El Dept. of Transportation r \yam ❑ Statutory Appeal: ❑ Premises Liability — - -__ ❑ Y Other ❑ Product Liability (does not include \ „\ ® mass tort) ❑Employment Dispute: — ❑ Slander /Libel /Defamation Discrimination ❑ Zoning Board � ❑ Other: ❑Employment Dispute: Other ❑ Other: �� ❑ Other: MASS TORT ❑ Asbestos ❑ Tobacco ❑ Toxic Tort - DES REAL PROPERTY MISCELLANEOUS ❑ Ejectment E] Common Law /Statutory Arbitration ❑Toxic Tort - Implant ❑ Eminent Domain /Condemnation ❑ Declaratory Judgment ❑ Toxic Waste E] Ground Rent ❑ Mandamus Other: F1 ❑ Landlord /Tenant Dispute ❑ Non - Domestic Relations - - -- ��o`� C3 Mortgage Foreclosure: Residential Restraining Order - - - - -- ❑Mortgage Foreclosure: Commercial El Quo Warranto ❑ Partition ❑ Replevin PROFESSIONAL LIABILITY ❑ Quiet Title ❑ Other: ❑ Dental ❑ Other: El Legal Y. - - - -- - -_- _-------- - -_ - -- . ❑ Medical — ❑ Other Professional: 13 -53455 Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 Mark R. Garvey, Esquire PA Bar # 312686 - _ Portfolio Recovery Associates, LLC 4F i 1'{u 1 110N0 {viii i 120 Corporate Blvd , -� Norfolk, VA 23502 �''� TELE: 1- 866 - 428 -8102 CUMGF i"LAND COUNTY FAX: (757) 518 -0860 PENN SYLVANIA Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD _ NORFOLK, VA 23502 NO ' Plaintiff, V. MARK A BAHR 124CST CARLISLE PA 17013 Defendant. NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action withing twenty (20) days after this Complaint and Notice are served, by entering a written appearance, personally or by an attorney, and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice of any money claimed or any other claim or relief requested by the Plaintiff. You may lose money or property rights important to you. YOU SHOULD TAKE THIS 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 HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Lawyer Referral Service - CUMBERLAND County Bar Association Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717) 249- 3166'�� J 13 -53455 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 Mark R. Garvey, Esquire PA Bar # 312686 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 TELE: 1- 866 - 428 -8102 FAX: (757) 518 -0860 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD : NORFOLK, VA 23502 Demandante, No. V. MARK A BAHR 124CST CARLISLE PA 17013 Demandado. NOTICIA USTED HA SIDO DEMANDADO/ A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes paginas, usted tienen que tomar accion dentro veinte (20) dias despues que esta Demanda y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defensas o obejciones a las demandas puestas en esta contra usted. Usted es advertido que si falla de hacerlo el caso puede proceder sin usted y un juzgamiento puede ser entrado conta usted por la Corte sin mas aviso por cualquier dinero reclamdo en la Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. Usted puede perder dinero o propiedad o otros derechos importante para usted. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSGUIDA. SI USTED NO TIENE UN ABOGADO, VAYA O LAMME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN ABOGADO. SI USED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS. QUE PEUDAN OFRECER SERVICIOS LEGAL A PERSONAS ELGIBLE UN HONORARIO REDUCIDO O GRATIS. Lawyer Referral Service - CUMBERLAND County Bar Association Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717) 249 -3166 13 -53455 Esta co nunicacion es de LID cobrador de deudas y es mi intent do cobrar una deuda. Cualquier intiornacion sera utili.zada para ese proposito. Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 Mark R. Garvey, Esquire PA Bar # 312686 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 TELE: 1- 866 - 428 -8102 FAX: (757) 518 -0860 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD NORFOLK, VA 23502 Plaintiff, No. V. MARK A BAHR 124CST CARLISLE PA 17013 Defendant. COMPLAINT 1. Plaintiff, Portfolio Recovery Associates, LLC is a Delaware Limited Liability Company with offices located at 120 Corporate Blvd, Norfolk, VA 23502. 2. Defendant, MARK A BAHR, is an adult individual with last known address of 124 C ST, CARLISLE PA 17013. 3. It is averred that Defendant was indebted to HSBC BANK NEVADA, N.A. / ORCHARD BANK on July 18, 2001 with account number * * * * * * * * * ** *2570 (hereafter referred to as "Account "). A copy of the account history is attached here to and collectively marked as Exhibit "A." 4. By using the Account, Defendant agreed to repay any incurred balances and /or charges made to the Account pursuant to the terms and conditions governing said Account. Failure to pay Defendant's incurred charges on the Account is considered a default. 5. At all relevant times material hereto, Defendant has used said Account for the purchase of products, goods and/or for obtaining services. This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. . 6. Defendant was provided with copies of the Statements of Account showing all debits and credits for transactions on the aforementioned Account to which there was no bonafide objection by Defendant. 7. Defendant was in default with respect to that debt for failure to make the required payments on the Account. The last payment made on this Account was on August 26, 2010. 8. Plaintiff is the purchaser, assignee and/or successor in interest HSBC BANK NEVADA, N.A. / ORCHARD BANK and Plaintiff is now the holder of the Account. A true and correct copy of the Plaintiffs verification is attached hereto and collectively marked as Exhibit "A." 9. As of the date within Complaint, the remaining balance due, owing and unpaid on Defendant's Account, as a result of Defendant and/or any authorized user's use of said Account is in the sum of $1,097.18. 10. Despite reasonable and repeated demands for payment. Defendant has refused and continues to refuse to pay all sums due and owing on the aforementioned Account, all to the damage and detriment of the Plaintiff. 11. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. WHEREFORE, Plaintiff respectfully requests this Honorable court enter Judgment in favor of Plaintiff and against Defendant, MARK A BAHR , in the amount ,097.18 lus sts of this action and any other relief as the Court deems just and reasonable. Carrie A. Brown, Esquire, # 94055 Robert N. Polas, Jr., Esquire, # 20125T Mark R. Garvey, Esquire, # 312686 Attorneys for Plaintiff 13 -53455 This cminunieation is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, Larry E. Whitaker hereby states that he /she is authorized to take this verification on behalf of said Plaintiff in the within action and verifies that the statements made in the foregoing Complaint are true and correct to the best of his /her knowledge, information, and belief, based upon information provided by the Plaintiff. The undersigned understands that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904, relating to unsworn falsification to authorities. JUL 0 2 2013 Date: By: Larry E. Whitaker Custodian of Records 13 -53455 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. XHIBI A This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. PORTFOLIO RECOVERY ASSOCIATES, LLC 120 Corporate Blvd Norfolk, VA 23502 Telephone: 1- 866 - 428 -8102 Fax: (757) 518 -0860 Statement of Account Account: * * * * * * * * * ** *2570 MARK A BAHR Account Holder: MARK A BAHR 124CST CARLISLE PA 17013 Consumer Account Product Code: MC Issuer: HSBC BANK NEVADA, N.A. / ORCHARD BANK Assignee: Portfolio Recovery Associates, LLC Account Number: * * * * * * * * * ** *2570 Date Account Opened: July 18, 2001 Date of Last Payment: August 26, 2010 Date of Charge Off: March 31, 2011 Balance at Purchase: $1,097.18 Purchase Date: September 27, 2011 Balance at Charge -Off: $1,097.18 Less Payments: $.00 Balance Due: $1,097.18 13 -53455 HSBM38 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. AFFIDAVIT State of Virginia City of Norfolk ss. I, the undersigned, L arr y E. W hitaker Custodian of Records, for Portfolio Recovery Associates, LLC hereby depose, affirm and state as follows: 1. I am competent to testify to the matters contained herein. 2. I am an authorized employee of Portfolio Recovery Associates, LLC, ( "Account Assignee ") which is doing business at Riverside Commerce Center, 120 Corporate Blvd, Norfolk, VA 23502. I am familiar with the policies and practices, as well as the books and records of Account Assignee with respect to the matters stated herein. This affidavit is based upon my personal knowledge of Account Assignee's record keeping system and my review of Account Assignee's records, including a review of the business records transferred to Account Assignee from HSBC BANK NEVADA, N.A. / ORCHARD BANK ( "Account Seller "), which have become a part of and have integrated into Account Assignee's business records, in the ordinary course of business. 3. According to the business records, which are maintained in the ordinary course of business, the account, and all proceeds of the account are now owned by the Account Assignee, all of the Account Seller's interest in such account having been sold, assigned and transferred by the Account Seller on September 27, 2011. Further, the Account Assignee has been assigned all of the Account Seller's power and authority to do and perform all acts necessary for the settlement, satisfaction, compromise, collection or adjustment of said account, and the Account Seller has retained no further interest in said account or the proceeds thereof, for any purpose whatsoever. 4. According to the records transferred to the Account Assignee from Account Seller, and maintained in the ordinary course of business by the Account Assignee, there was due and payable from MARK A BAHR ( "Debtor ") to the Account Seller the sum of $1,097.18 with the respect to account number ending in * * * * * * * * * ** *2570, as of March 31,' 2011 with there being no known un- credited payments, counterclaims or offsets against the said debt as of the date of the sale. 5. According to the records of said Account Assignee, after all known payments, counterclaims, and/or setoffs occurring subsequent to the date of sale, Account Assignee claims the sum of $1,097.18 as due and owing as of the date of this affidavit. 6. Plaintiff believes that the defendant is not a minor or an incompetent individual, and declares that the Defendant is not on active military service of the United States. Portfolio Reco Associ Larry E. Whitake B ,Custodian of Records L O 3 2013 S an swo be e in on of 5 2013 Notary Public " Taveris C, uZzle Commonwealth of Virginia Notary Public Commission No. 302460 13- 53455 My Commission Expires 1/31/2017 This communication is from a debt collector and is an. attempt to collect a debt. Any information obtained will be used for that purpose. EXHIBIT B ASSIGNMENT AND BILL OF SALE HSBC Bank Nevada, N.A. and HSBC Bank USA, N.A., (hereinafter called "Seller") has entered into a Purchase and Sale Agreement as of May 16, 2011 ( "Agreement ") for the sale of Accounts and Account Documents described therein to Portfolio Recovery Associates, LLC., (hereinafter called "Purchaser"), upon the terms and conditions set forth in that Agreement. NOW THEREFORE, for good and valuable consideration, Seller hereby sells, assigns, and transfers to Purchaser, its successors and assigns, all of Seller's rights, title, and interest in each and every one of the Accounts described in the Agreement and in Exhibit A attached hereto. Purchaser and Seller agree that the Purchase Price shall be as stated in Paragraph 3 of the Agreement. IN WITNESS WHEREOF, Seller has signed and delivered this instrument on the 27' of September, 2011. HSBC Bank Nevada, N.A. Signed By: By: StuarrAustin Title: Assistant Vice President HSBC Bank USA, N.A. Signed By: By: Stuart Austin Title: Vice President � 3 EXHIBIT B (Continued) ASSIGNMENT AND BILL OF SALE HSBC Receivables Acquisition Company I, HSBC Receivables Acquisition Corporation (USA) III, HSBC Receivables Acquisition Corporation (USA) IV (hereinafter collectively called "Seller") has entered into a Purchase and Sale Agreement as of May 16, 2011 ( "Agreement") for the sale of Receivables described therein to Portfolio Recovery Associates, LLC., (hereinafter called "Purchaser"), upon the terms and conditions set forth in that Agreement. NOW THEREFORE, for good and valuable consideration, Seller hereby sells, assigns, and transfers to Purchaser, its successors and assigns, all of Seller's rights, title, and interest in each and every one of the Receivables described in the Agreement and in Exhibit A attached hereto. Purchaser and Seller agree that the Purchase Price shall be as stated in Paragraph 3 of the Agreement. IN WITNESS WHEREOF, Seller has signed and delivered this instrument on the 27 of September, 2011. HSBC Receivables Acquisition Company I, HSBC Receivables Acquisition Corporation (USA) Ill, and HSBC Receivables Acquisition Corporation (USA) IV Signed By: By: Stuart Austin Title: Assistant Vice President AI S 84M 3A ORCHaM Bc1IVK Orchard Bank MasterCard Account Statement Account Nber 570 MARK A BAHR Pa Re 1 of' Ft'om Fehr= um 6. X011 $1,069.60 l New Balance Previous Balance - $000 I Nfnrimttm Payment Due $277.00 ; Payments $p . pp par..,, Due Date April 3, 2011 Outer Credits 1 Purchases/Debits + $0.00 Balance Transfers + $0.00 - Late Payment Warning: if we do not receive your minimum payment by Ole Cash Advances ces + $0.00 date listed above, you may have to pay a late fee of up to $35.00 and you' - $238.00 € APRs may be increased to the Penalty APR of 29-99%- Past Due 20. + $27.558 8 Fees Charged ! Minimum Payment Warning:If you make only tile minimum payment each Interest Char ed 1 $1,097.18 i period, you will pay more in interest and it will take you longer to pay off your New Balance Cha balance. For example: Credi[ Lunit $65 $0. - Credit Available $0'00 P paying $655.00 I If you make no additional You will pay off the i And you will end u Cash Limit t $0:00 charges using this card balance shown on Ian estimated total of.. Cash Available { f and each month you this statement in Statement Closing Date March 9, 2011 `I about... Days in Billing Cycle 31 pay • I til Limit is a portion of Total Credit Lunit. [ Only the minimun 10 Yeats i $2,462 Payment �.. $47__,_.� 3 Years $1,677 1 I . (Smdngs = $785) i I f 1 ? if you would like information about credit counseling services call ( I- 866 -569 -2227. Questions? Payment Address: HSBC Card Services, PO Box 17051, Baltimore, MD 24 -Hour Automated Account information 1 -503- 293 -4037 21297-1051 Espanol 1 -503- 293 -4834 Billing Inquiries: HSBC Card Services, PO Box 80084, Salinas, CA Lost or Stolen Card t- 800 -366 -7817 93912-0084 1 -503- 245 -9280 Manage Your account online at www.orchardbank.com Outside USA Collect TDDIHeatingImpaired 1-800- 655 -9392 IMPORTANT: Starting March 18, 2011, Accounts with recurring charges (for example, monthly membership fees or bill pays) now require that the credit card be activated. After that date, recurring charges on Accounts that do not have the credit card activated will be declined. If you use your Account for recurring charges, pl mer Service number on the back of your card. ease activate your credit card by calling the Cl Your accoma has been placed with a collection agency. Please contact them directly, or call us at 1- 800 -388 -5333. As a reminder, you may pay your credit card bill online or through our automated phone system for no fee. Your account is over the credit limit. Please pay you total due of $481.18, which includes any additional over the credit limit amount and your Minimum Payment Due, minus any Past Due amount. Reference Number Amount Trans Date Post Date Description of Fees l if Amount Description of Interest Charge - $14.69 INTEREST CHARGE ON CASH ADVANCES - $12.89 INTEREST CHARGE ON PURCHASES $0.00 INTEREST CHARGE ON BALANCE TRANSFERS - $z7.ss Total Interest For This Period _____ 110201 s r 08 0000000503 G STMT07 D C 27547 cost - See reverse side for Important iafonnaaon Detach and reran bofmm portion with yorrr pa mrear. _________ _ _____________ _ __ _______ _______________ _________________ Account Number: 2570 New Balance T18 Minimum Payment Due $277.00 Payment Due Date 0410312011 • r Include account number on check to HSBC Card Services. Do not send cash. Please send your payment 7 to 10 days prior to the payment due date to ensure timely delivery. 110 AMOUNT ENCLOSED #BWNHYTS HSBC CARD SERVICES #493054122574# PO BOX 17051 MARK A BAHR BALTIMORE MD 21 297 -1 05 1 124CST CARLISLE PA 170131918. IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII ILldl�l�llllplil��l'�I" III" � "111��I "�I�� 2570 j ,. O RCHdRD B Orchard Bank MasterC ent Account Iv umber 570 ` MARK A BAHR Pa ee 2 of 2 From Fcbruary 6 Olt aall TolyltS TW to-01at4 Total fees charged in 2011 SO.00 Total interest charged in 2011 $78.18 tgtl2fie51'C.>ii�ge Calcu6ti4n Your Annual Percentage Rate (APR) is the annual interest rate on your account. rAA alance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge ES 10002 29.99% (v) $506.15 $12.89 VANCES 20 $576.74 $14.69 002 29.99% (v) ETRANSFER 29.99°/ (v) $0.00 50.00 41111 v =Variable Rate f�iSfbiAat"ti0a�Y! An ENERGY STAR CFL uses about 75% less energy than standard incandescent bulbs and lasts up to 10 times longer. To team more, visit www.cnergystar.gov. HSBC aims to make a difference for our planet. wtiw21sbc.com/sustainability. Online Account Access lets you take control of your Account anytime, anywhere. Registration is easy, secure and waiting for you at go.orchardbanlccom. 110201 51 W OOD0000508 G S'n+ M D C 27547 ODa1 _______ _______________________________ SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff 411t4U E1C1114)1P1 C% IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA PORTFOLIO RECOVERY } ASSOCIATES, LLC 120 CORPORATE BLV NORFOLK,VA 23502 Plaintiff } CASE NO.: 13-4951 c } -r,? --` M Q a: vs. } ANSWER AND AFFIPa�E`0 } DEFENSES U' c, MARK A. BAHR } CD . 124 C STREET CARLISLE, PA 17013 5;cz F3 Defendant ANSWER Defendant, Mark A. Bahr (hereinafter "Defendant"), for his Answer to the Complaint, states as follows: 1. Paragraph 1 is admitted 2. Paragraph 2 is admitted. 3. Paragraph 3 is denied. The defendant denies that the information in Exhibit A is accurate. The defendant denies that Plaintiff is a successor in interest to Orchard Bank(HSBC Card Services) with respect to the subject account. Defendant is without information or knowledge sufficient to form a belief as to the truth or accuracy of the allegations pertaining to transactions which allegedly transpired involving the Plaintiff. The defendant also denies that the affidavit is accurate as the plaintiff has not proved so. This request calls for admission of matter defendant has denied and thus it is improper. 4. Paragraph 4 is denied. Defendant is without information or knowledge sufficient to form a belief as to the truth or accuracy of the allegations pertaining to transactions which allegedly transpired without having original copies of all documents. This request calls for admission of matter defendant has denied and thus it is improper. 5. Paragraph 5 is denied. Defendant is without information or knowledge sufficient to form a belief as to the truth or accuracy of the allegations pertaining to transactions which allegedly transpired without having original copies of all documents relating to charges on the account. This request calls for admission of matter defendant has denied and thus it is improper. 6. Paragraph 6 is denied. Defendant was not provided copies of statements showing all debts, credits and transactions including signatures and original documents. This request calls for admission of matter defendant has denied and thus it is improper. 7. Paragraph 7 is denied. Defendant is without information or knowledge sufficient to form a belief as to the truth or accuracy of the allegations pertaining to transactions which allegedly transpired without having original copies of all documents relating to charges on the account. This request calls for admission of matter defendant has denied and thus it is improper. 8. Paragraph 8 is denied. The Plaintiff has not proved they were retained by Orchard Bank at are its representative in this matter. The plaintiff has not proven that they are the real party in interest. Defense demands proof of ownership specifically that the alleged account is legal property of Portfolio Recovery Associates, LLC. with the entire original creditor's rights and privileges intact. The Plaintiff has not proved in Exhibit A or B that the account is owned by the Plaintiff. 9. Paragraph 9 is denied. . Defendant is without information or knowledge sufficient to form a belief as to the truth or accuracy of the allegations pertaining to transactions which allegedly transpired without having original copies of all documents relating to charges on the account. This request calls for admission of matter defendant has denied and thus it is improper. 2 10. Paragraph 10 is denied. Defendant is without information or knowledge sufficient to form a belief as to the truth or accuracy of the allegations pertaining to transactions which allegedly transpired without having original copies of all documents relating to charges on the account. 11. The defendant denies responding to paragraph 11 as this is a matter of law. AFFIRMATIVE DEFENSES AS AND FOR A FIRST AFFIRMATIVE DEFENSE 12. The Complaint fails to state a cause of action against Defendant. AS AND FOR A SECOND AFFIRMATIVE DEFENSE 13. The Plaintiff lacks standing to pursue any claim and/or cause of action arising from and/or relating to the alleged"credit card account" and/or alleged"balance." AS AND FOR A THIRD AFFIRMATIVE DEFENSE 14. Plaintiff has no contractual relationship with Defendant. AS AND FOR A FOURTH AFFIRMATIVE DEFENSE 15. Plaintiffs Complaint fails to allege whether or not the purported assignment was partial or complete and there is no evidence that the purported assignment was bona fide. AS AND FOR A FIFTH AFFIRMATIVE DEFENSE 16. Plaintiffs Complaint further fails to allege that the Assignor even has knowledge of this action or that the Assignor has conveyed all rights and control to the Plaintiff. AS AND FOR A SIXTH AFFIRMATIVE DEFENSE 11. Plaintiffs Complaint violates the Statute of Frauds as the purported contract(s) or agreement(s) fall within a class of contracts or agreements required to be in writing. The purported contract or agreement alleged in the Complaint is not in writing and signed by the 3 P Defendant or by some other person authorized by the Defendant and who was to answer for the alleged debt,default or miscarriage of another person. AS AND FOR A SEVENTH AFFIRMATIVE DEFENSE 12. Defendant claims a Failure of Consideration, as there has never been any exchange of any money or item of value between the Plaintiff and the Defendant. AS AND FOR A EIGHT AFFIRMATIVE DEFENSE 13. Defendant claims Lack of Privity as Defendant has never entered into any contractual or debtor/creditor arrangements with the Plaintiff. AS AND FOR A NINTH AFFIRMATIVE DEFENSE 14. Defendant alleges that the granting of the Plaintiffs demand in the Complaint would result in Unjust Enrichment. AS AND FOR A TENTH AFFIRMATIVE DEFENSE 15. Plaintiff is barred under the Fair Debt Collection Practices Act, hereinafter called FDCPA, from collecting attorney fees, interest, collection fees, and any amount not specifically provided for by agreement. AS AND FOR AN ELEVENTH AFFIRMATIVE DEFENSE 16. Plaintiff's damages are the result of acts or omissions committed by non-parties to this action over whom Defendant has no responsibility or control. WHEREFORE, defendant MARK A. BAHR demands judgment dismissing the Plaintiffs complaint, and for such other and further relief as to the Court may seem just and necessary,together with costs and disbursements of this action. Dated: September 19,2013 4 1 [signature] MARK A. BAHR 4 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PORTFOLIO RECOVERY } ASSOCIATES,LLC 120 CORPORATE BLV NORFOLKNA 23502 Plaintiff } CASE NO.: 13-4951 } vs. } } MARK A. BAHR } 124 C STREET CARLISLE, PA 17013 Defendant } CERTIFICATE OF SERVICE A copy of this Answer was served upon Plaintiffs attorney at the following address: 120 CORPORATE BLVD NORFOLK, VA 23502 by ordinary U.S. Mail, this 19t"day of September, 2013, and upon the Defendants at the address (es) listed in the Complaint. (Signature) Mark A. Bahr 124 C Street Carlisle,PA 17013 5 Robert N.Polas, Jr.,Esquire PA Bar#201259 Carrie Brown,Esquire PA Bar#94055 Mark R. Garvey,Esquire PA Bar#312686 Portfolio Recovery Associates,LLC 120 Corporate Blvd Q J� Norfolk,VA 23502 F t^" 2 0 TELE: 1-866-428-8102 FAX:(757)518-0860 b"R LA il DCO Lftj Ir Attorneys for Plaintiff PENN S j V- ... .......... IN THE COURT OF-CQ EAS OF CUM]BERLAND-COUNT-YYA CIVIL ACTION -LAW PORTFOLIO RECOVERY ASSOCIATES,LLC 120 CORPORATE BLVD NORFOLK,VA 23502 No. 1 J f �� /G�1 - Plaintiff, V. MARK A BARR 124 C ST CARLISLE PA 17013 Defendant. NOTICE You have been sued in Court.If you wish to defend against the claims set forth in the following pages, you must take action wishing twenty(20) days after this Complaint and Notice are served,by entering a written appearance,personally or by an attorney,and filing in writing with the Court your defenses or objections to the claims set forth against you.You are warned that if you fail to do so,the case may proceed without you and a judgment may be entered against you by the Court without fin-ther notice of any money claimed or any other claim or relief requested by the Plaintiff.You may lose money or property rights important to you. YOU SHOULD TAKE THIS 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 HELP.THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER,THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Lawyer Referral Service-CUMBERLAND County Bar Association Cumberland County Bar Association 32 South Bedford Street Carlisle,PA 17013 (717)249-3166 TRUE CC-r— in Testimony 13-53455 and the se;:; .0 set my hand Oarlis!e, Pa. This_S:;* 20 _Prothonotary This communication is from a debt collector and is an attempt to collect a debt. Anv information obtained will be need fnr that mirnncp. Carrie A. Brown, Esquire PA Bar#:94055 �� '' �44.t.—; Robert N. Polas, Jr, Esquire PA Bar#: 201259 J `! 2 Mark R. Garvey, Esquire PA Bar#: 312686 'i1 f I: '' < Portfolio Recovery Associates, LLC C:,,P.12 rah ` 120 Corporate Blvd. s'Lj ,fir S ��il,�.i r y Norfolk, VA 23502 4.YR NIA TELE: 1-866-428-4102 FAX: 757-518-0860 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION—LAW PORTFOLIO RECOVERY ASSOCIATES, LLC : 120 CORPORATE BLVD NORFOLK, VA 23502 • Plaintiff : No. 13-4951 CIVIL v. • MARK A. BAHR, • • Defendant PLAINTIFF'S FIRST REQUEST FOR ADMISSIONS INTERROGATORIES AND REQUEST FOR PRODUCTION OF DOCUMENTS Plaintiff demands that Defendant answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days from the date of service hereof. Plaintiff also demands that Defendant answer and respond to the following Request for Admissions pursuant to Pa. Rule of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: 1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made. 2. If you do not admit each of such statements, you must specifically deny each one not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for the Plaintiff within thirty (30) days after delivery hereof. 4. If you fail or refuse to admit the truth of any such statement of fact and the Plaintiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses incurred in making such proof, including attorneys' fees, witness expenses, etc. 5. If, in response to any of the following statements of fact, it is your position that the statement is true in part or as to some items, but not true in full or as to all items, then answer separately as to each part or item. 6. If you have been sued in more than one capacity or if your answers would be different if answered in any different capacity, such as partner, agent, corporate officer or director or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. 7. In these Requests for Admissions: A. The word "person(s)" means all entities, and, without limiting the generality of the foregoing, includes natural persons, joint owners, associations, companies, partnerships,joint ventures, trusts, and estates; B. The word "documents(s)" means all written, printed, recorded, graphic, or photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any manner to the subject matter indicated; C. The words "identity", "identify", "identification", when used with respect to a person(s) means to state the full name and present or last known address and business address of such person(s) and, if an actual person, his present or last known job title, and the name and address of his present or last known employers; D. The words "identity", "identify", "identification", when used with respect to a dated, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the name(s) of the addressee or addressees if any and the name(s) and address(es) of each person who have possession, custody, and control of said document(s). If any such document was, but is no longer in possession, custody, or control, or in existence, state the date and manner of its disposition; and E. The word "identify", when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means to (1) described the substance of the event or events constituting such an act, and to state the date when such an act occurred; (2) identify each and every person(s) participating in such an act; (3) identify all other person(s) (if any) present when such an act occurred; (4) state whether any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identify the person(s) presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. 9. These requests are of a continuous nature. These Requests for Production of Documents shall be deemed continuing so as to require supplemental answers and documents if any information of documents are acquired subsequent to the filing of responses hereto, which information or documents would have been included in the answers and documents produced had it been known or available at the time the answers and the documents provided pursuant hereto produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such information becomes known or available and in all events, prior to trial of this action. If objection is made to any requests for production of documents, it is demanded that the requests for which there is no objection be answered and furnished within the aforesaid period. All documents identified in response hereto shall be organized and labeled to correspond with the request to which it pertains. For all documents produced, list the individual and his or her job title and department from whose file it was produced and all current custodian of said document. If a document called for it is believed to exist or is known to exist, but is in the possession, custody or control of another person or party, the existence of the document, the identity of the possessor, custodian and one in control of such documents shall be provided along with any applicable common description or citation utilized by the publisher, possessor, custodian, or disseminator of such document. If any document called for by this request is withheld on the basis of any claims of privilege or any similar claim, identify that document as follows: author, addressee; indicated or blind copies, dated, subject matter; number of pages; attachments or appendices; all persons to whom distributed, shown or explained; present custodian; and nature of the privilege or similar claim asserted. REQUEST FOR PRODUCTION OF DOCUMENTS 1: Produce any and all documents evidencing proof of all payments on the subject credit card referenced in the Complaint, including, but not limited to, cancelled checks, receipts, coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries, diaries, charts, lists, phone records, data compilations etc. REQUEST FOR PRODUCTION OF DOCUMENTS 2: Produce any and all documents you intend and/or provide testimony on as evidence at the time of the trial. REQUEST FOR ADMISSION NO. 1: Defendant applied for the Credit Card referenced in the Complaint. Admitted Denied If the answer to Request for Admissions No. 1 is "denied", then supply specific written documentation supporting the denial. REQUEST FOR ADMISSION NO. 2: Defendant has failed to make all required payments on the credit card. Admitted Denied If the answer to Request for Admissions No. 2 is "denied", then supply specific written documentation supporting the denial. REQUEST FOR ADMISSION NO. 3: The attached monthly statement correctly identifies the payments, charges, and balance on the account. Admitted Denied If the answer to Request for Admissions No. 3 is "denied", then supply copies of canceled checks, both front and back, and/or if not available, specific written documentation supporting the denial.. REQUEST FOR ADMISSION NO. 4: Defendant has not submitted any written dispute as to the billing inaccuracy concerning the credit card in question during the time the account was opened on July 18, 2001 until the last payment date of August 26, 2010. Admitted Denied If the answer to the Request for Admissions No. 4 is "denied", then supply copies of specific written disputes as to any billing inaccuracies REQUEST FOR ADMISSION NO. 5: $1,097.18 is the correct and accurate balance of the credit card account in question at the time the account was charged off. Admitted Denied If the answer to Request for Admissions No. 5 is "denied", then supply specific written documentation supporting the denial and indicate with full explanation what you believe to be the correct balance on the account. REQUEST FOR ADMISSION NO. 6: 6. Please admit that you agreed to pay Plaintiff's predecessor all amounts due resulting from the use of your credit card account, including any finance charges and other charges due under the terms of the agreement. Admitted Denied If the answer to Request for Admissions No. 6 is "denied", then supply specific written documentation supporting the denial and indicate with full explanation what you believe to be the correct balance on the account. REQUEST FOR ADMISSION NO. 7: 7. Please admit that for each month you had a balance on your credit card account, you were sent, by mail or otherwise, a bill, statement of account, invoice or other request for payment showing all transactions billed to your account during the billing period. Admitted Denied If the answer to Request for Admissions No. 7 is "denied", then supply specific written documentation supporting the denial and indicate with full explanation what you believe to be the correct balance on the account. INTERROGATORIES 1. Please identify the person(s) answering these Interrogatories. ANSWER: 2. Please identify each and every person that has assisted you in responding to these Interrogatories. ANSWER: 3. Separately, for each of your answers to Requests for Admissions 1 through 9 above where your answer is anything other than an unqualified admit, please: a. State each fact known to you upon which you rely to support your denial or qualified answer; b. If your response is that you do not have sufficient information or knowledge to admit or deny, then describe each effort you have made to acquire the information you feel would be necessary to admit or deny the request; c. Identify each document known to you which you believe contains information relevant to your answer; and d. Identify each witness known to you who may have knowledge with respect to the information upon which you rely for your denial or qualified answer and as to each witness, state the information you believe is known to them with respect to your answer. ANSWER: 4. If you filed affirmative defenses to Plaintiff's Complaint, separately for each defense, please: a. State the factual basis that supports your defense; b. Identify each document known to you which you believe contains information relevant to your defense; and c. Identify each witness known to you who may have knowledge with respect to the information upon which you rely for your defense and as to each witness, please state the information you believe is known to them with respect to your defense. ANSWER: 5. Have you ever requested Plaintiff's predecessor to open a credit card account in your name? If so, please state the credit card account number(s). ANSWER: 6. Are you aware of any credit card accounts with Plaintiff's predecessor opened in your name? If so, please state the credit card account number(s). ANSWER: 7. Have you ever made a purchase or obtained a cash advance by using a card, account number and/or account access check issued by Plaintiff's predecessor? If so, please state the credit card account number(s) and the date(s) of the purchase or cash advance. ANSWER: 8. Has Plaintiff's predecessor ever sent to you, by mail or otherwise, any bills, statements of account, invoices or other requests for payment? If so, identify each document and state whether you objected to it. If you have objected, identify each objection, including whether it was written or oral. ANSWER: 9. Have you ever objected, in writing or otherwise, to any bills, statements of accounts or invoices you were sent? ANSWER: 10. If you keep records of purchases or payments with respect to your credit card account with Plaintiff's predecessor, do these records show a balance owing on the account? If so, what is that balance? ANSWER: 11. Is there any portion of Plaintiff's claim that you admit you owe? If so, state the amount that you admit you owe to Plaintiff and any facts that support your claim that you do not owe the rest of Plaintiffs claim. ANSWER: 12. If you claim that the account on which Plaintiff is suing is inaccurate, specify each inaccuracy and any facts that support your conclusion that the account is inaccurate. ANSWER: Resp-•�' ly Submitted '2. is Carrie A. Brown, Esquire#94055 Robert N. Polas Jr., Esquire#201259 Mark R. Garvey, Esquire#312686 Carrie A. Brown, Esquire PA Bar#:94055 Robert N. Polas, Jr, Esquire PA Bar#: 201259 Mark R. Garvey, Esquire PA Bar#: 312686 Portfolio Recovery Associates, LLC 120 Corporate Blvd. Norfolk, VA 23502 TELE: 1-866-428-4102 FAX: 757-518-0860 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION-LAW PORTFOLIO RECOVERY ASSOCIATES,LLC : 120 CORPORATE BLVD • NORFOLK, VA 23502 • Plaintiff : No. 13-4951 CIVIL v. • MARK A. BAHR • • Defendant CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Complaint upon Defendant,by First Class Mail, Postage Pre-Paid, a copy thereof on this/2 day of , 2014, to: Mark A. Bahr 124 C St. Carlisle, PA 17013 jOr y: `e •".Brown, Esquire#94055 Robert N. Polas Jr., Esquire#201259 Mark R. Garvey, Esquire#312686 EXHIBIT B ASSIGNMENT AND BILL OF SALE HSBC Bank Nevada, N.A. and HSBC Bank USA, N.A., (hereinafter called "Seller") has entered into a Purchase and Sale Agreement as of May 16, 2011 ("Agreement") for the sale of Accounts and Account Documents described therein to Portfolio Recovery Associates, LLC., (hereinafter called "Purchaser"), upon the terms and conditions set forth in that Agreement. NOW THEREFORE, for good and valuable consideration, Seller hereby sells, assigns, and transfers to Purchaser, its successors and assigns, all of Seller's rights, title, and interest in each and every one of the Accounts described in the Agreement and in Exhibit A attached hereto. Purchaser and Seller agree that the Purchase Price shall be as stated in Paragraph 3 of the Agreement. IN WITNESS WHEREOF, Seller has signed and delivered this instrument on the 27t''day of September, 2011. HSBC Bank Nevada, N.A. Signed By: By: Stua Austin Title: Assistant Vice President HSBC Bank USA, N.A. Signed By: • By: Stuart Austin Title: Vice President HS94i ' 2 EXHIBIT B (Continued) ASSIGNMENT AND BILL OF SALE HSBC Receivables Acquisition Company I, HSBC Receivables Acquisition Corporation (USA) Ill, HSBC Receivables Acquisition Corporation (USA) IV (hereinafter collectively called "Seller") has entered into a Purchase and Sale Agreement as of May 16, 2011 ("Agreement") for the sale of Receivables described therein to Portfolio Recovery Associates, LLC., (hereinafter called "Purchaser"), upon the terms and conditions set forth in that Agreement. NOW THEREFORE, for good and valuable consideration, Seller hereby sells, assigns, and transfers to Purchaser, its successors and assigns, all of Seller's rights, title, and interest in each and every one of the Receivables described in the Agreement and in Exhibit A attached hereto. Purchaser and Seller agree that the Purchase Price shall be as stated in Paragraph 3 of the Agreement. IN WITNESS WHEREOF, Seller has signed and delivered this instrument on the 27thday of September, 2011. HSBC Receivables Acquisition Company I, HSBC Receivables Acquisition Corporation (USA) Ill, and HSBC Receivables Acquisition Corporation (USA) IV Signed By: Stuart Austin Title: Assistant Vice President 1-/S8m31 2 P -2. AFFIDAVIT OF BULK SALE OF ACCOUNTS STATE OF DELAWARE § § COUNTY OF NEW CASTLE § On / ,/cAli7 , Michael Poczynek stated: 1. My name is Michael Poczynek. I am Assistant Vice President and Assistant Secretary, Administrative Services Division of HSBC Bank Nevada, N.A. and Vice President and Assistant Secretary, Administrative Services Division of HSBC Bank USA, N.A., HSBC Receivables Acquisition Company I, HSBC Receivables Acquisition Corporation (USA) III, and HSBC Receivables Acquisition Corporation (USA) IV (collectively identified in this Affidavit as "HSBC"). As part of my regular job duties, I have access to and routinely review the account records of HSBC.I am authorized to make this Affidavit on behalf of HSBC. The facts stated in this Affidavit are within my personal knowledge and are true and correct. 2. On or about 09/21/2011,HSBC sold a pool of accounts (identified in this Affidavit as the "Sold Accounts")by a Purchase and Sale Agreement and a Bill of Sale to Portfolio Recovery Associates,LLC. (identified in this Affidavit as the"Debt Buyer"). As part of the sale of the Sold Accounts,records relating to individual Sold Accounts were transferred to the Debt Buyer.Because of the Sale of the Sold Accounts, HSBC acknowledges that Debt Buyer became the owner of Id Accounts on the date of sale. Michael Poczynek Sign d and sworn to(or Affirmed)before me on J ,by Michael Poczynek. (Signature of Notarial Officer) 6 ) �vottl l! tim, �Ay�-,��1 4f'4 ,Q,•0 Mlss+/Q,L j. 'A, O• ■ = .Z EXPIRES Z 1 : SEPT.26,2013 : .1. �. '�i d>•T'V:VP(PU��`'Q�'■�� 5997820v.24 CERTIFICATE OF CONFORMITY I, Kevin T. Peck, an attorney-at-law admitted to practice in the State o_f Delaware, certify that the foregoing document was notarized by Valerie McCoy, a notary public in the State of Delaware, in conformity with the laws of the State of Delaware. IN )WITNESS WHEREOF, I have hereunto set my signature, on 1 )� J% Kevin T. Peck 6016742v.5 ORCHARD BaNIC Mrtcrta C Orchard Bank MasterCard Account Statement Account Number 2570 MARK A BAHR Page 1 of 2 From February 6, 011 vii iitnaIi apvu tt i55 6lututi 4/ 111 ry_.1 tyb5ilimmi b ritTillat tt/'Ita5! 1 `Previous Balance $1.069.60 1 `:New Balance $1,097.18 i Payments - $0.00 I I Minimum Payment Due $277.00 I Other Credits - $0.00 I I Payment Due Date April 3.2011 1 Purchases/Debits + $0.00 ! Balance Transfers + $0.00 i I Late Payment Warning:If we do not receive your minimum payment by the Cash Advances ± $0.00 ; !date listed above,you may have to pay a late fee of up to $35.00 and your Past Due Amount $238.00 I i APRs may be increased to the Penalty APR of 29.99%. Fees Charged + $0.00 Interest Charged + $27.58: i Minimum Payment Warning:If you make only the minimum payment each New Balance $1,097.18 I I period,you will pay more in interest and it will take you longer to pay off your Credit Limit $655.00 i balance.For example: Credit Available $0.00 Cash Limit t $655.00 I If you make no additional You will pay off the And you will end up paying Cash Available $0.00 ' . charges using this card balance shown on an estimated total of.. Statement Closing Date March 9,2011 and each month you this statement in Days in Billing Cycle 31 Pay-- about... tCash Limit is a portion of Total Credit Limit. Only the minimum 10 Years I$2,462 , Payment $47 3 Years $1,677 (Savings=$785) E If you would like information about credit counseling services call ':1-866-569-2227. Questions? Payment Address:HSBC Card Services,PO Box 17051.Baltimore.MD 24-Hour Automated Account Information 1-503-293-4037 21297-1051 Espanol 1-503-293-4834 Billing Inquiries:HSBC Card Services,PO Box 80084,Salinas.CA Lost or Stolen Card 1-800-366-7817 93912-0084 Outside USA Collect 1-503-245-9280 Manage Your account online at www.orchardbank.com TDD/Hearing Impaired 1-800-655-9392 p1lllllnllUllltII1NI1II1 IIII II➢O,IIIIJI) IMPORTANT:Starting March 18,2011,Accounts with recurring charges(for example,monthly membership fees or bill pays)now require that the credit card be activated.After that date,recurring charges on Accounts that do not have the credit card activated will be declined.If you use your Account for recurring charges,please activate your credit card by calling the Customer Service number on the back of your card. Your account has been placed with a collection agency.Please contact them directly,or call us at 1-800-388-5333. As a reminder,you may pay your credit card bill online or through our automated phone system for no fee. Your account is over die credit limit.Please pay your total due of$481.18,which includes any additional over the credit limit amount and your Mhshmmn Payment Due,minus any Past Due amount. lIt III Ii Trans Date Post Date Description of Fees Reference Number Amount - 1 r s z Description of Interest Charge Amount INTEREST CHARGE ON CASH ADVANCES $14.69 INTEREST CHARGE ON PURCHASES $12.89 INTEREST CHARGE ON BALANCE $0.00 TRANSFERS Total Interest For This Period $27.58 Detach and return bottom portion with your payment. 110201 5 I 08 0000000508 G STMT07 D C 27547 OD51 See reverse side for Important intormslion Account Number: 2570 New Balance 7.18 Minimum Payment Due $277.00 Payment Due Date 04/03/2011 Include account number on check to HSBC Card Services. Do not send cash. Please send your payment 7 to 10 days prior to the payment due date to ensure timely delivery. 110 AMOUNT ENCLOSED #BWNHYTS #493054122574# HSBC CARD SERVICES MARK A BAHR PO BOX 17051 124 C ST BALTIMORE MD 21297-1051 CARLISLE PA 170131918 Ill II1II11II11II1IIIIII11I111I11111111I11111111111111111111111II IIIIIIlII1IIIIIIII111111IIIIIIII1III111III1I11111II11II111111IIII 2570 ORCHaRD BcaNK® Masceica a Orchard Bank MasterCa Statement Account Number 570 MARK A BAHR Page 2 of 2 From February 6, 011 r a s m *4114111!1411111,111,1}31B11 IP'1r1t ,0,' Total fees charged in 2011 $0.00 Total interest charged in 2011 $78.18 �IW1.tii<IUI8jjlllll�(1�tl Jllt,fillyll� x " s • Your Annual Percentage Rate(APR)is the annual interest rate on your account. Type of Balance Annual Percentage Rate(APR) Balance Subject to Interest Rate Interest Charge PURCHASES 10002 29.99%(v) $506.15 $12.89 CASH ADVANCES 20002 29.99%(v) $576.74 $14.69 BALANCE TRANSFER 29.99%(v) $0.00 $0-00 41111 v=Variable Rate ?lil71IIIIIIII117Iplllfl , r z sS M t ty ?` z An ENERGY STAR CFL uses about 75%less energy than standard incandescent bulbs and lasts up to 10 times longer.To leant more,visit www.energystar.gov. HSBC aims to make a difference for our planet.www.hsbc.com/sustainability. i n11IFt118!!t,18ll IIII HI s s L Online Account Access lets you take control of your Account anytime,anywhere.Registration is easy,secure and waiting for you at go.orchardbank.com. 110201 5 t 08 0000000508 G STMr07 D C 27547 ODSI PORTFOLIO RECOVERY ASSOCIATES,LLC 120 Corporate Blvd \; Norfolk,VA 23502 Telephone: 1-866-428-8102 I ' % Fax: (757)518-0860. Statement of Account Account: ************2570 MARK A BAHR Account Holder: MARK A BAHR 124 C ST CARLISLE PA 17013 Consumer Account Product Code: MC Issuer: HSBC BANK NEVADA,N.A./ORCHARD BANK Assignee: Portfolio Recovery Associates,LLC Account Number: ************2570 Date Account Opened: July 18,2001 Date of Last Payment: August 26,2010 Date of Charge Off: March 31,2011 Balance at Purchase: $1,097.18 Purchase Date: September 27,2011 Balance at Charge-Off: $1,097.18 Less Payments: $.00 Balance Due: $1,097.18 13-53455 HSBM38 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. ACCTNUM ■2570 NAME1 BAHR.MARK A NAME2 ADDRESS1 124 CST ADDRESS2 CITY CARLISLE ........................................ STATE PA ZIP 17013-1918 HMPHONE1 4609 WKPHONE1 2222222222 HMPHONE2 WKPHONE2 LPA 40 LPD 20100826 OPEN DATE 20010718 ....................................... SSN2 LPU RC H$ 9.92 ........... LPURCHDT 20090803 BLK1 Z BLKDATE 20110331 BLK2 USERCODE TC BALANCE 1097.18 CYCLE 8 LIABLE DEL AS OF 20110308 # DAYS DEL 180 DT 1ST DEL 20100908 PORTFOLIO CORE ENTITY 1193 C1DOB 1959 CHGOFF$ 653.09 LOANTYPE DIRM SSN 3832 Debtor DOB '-1959 12:00AM Data printed by Portfolio Recovery Associates, LLC from electronic records provided by HSBC BANK NEVADA, N.A. pursuant to the sale of accounts from HSBC BANK NEVADA, N.A. to Portfolio Recovery Associates, LLC ORCHARD BaNIC MasterCard Orchard Bank MasterCard Account Statement Account Number 2570 MARK A BAHR Page 1 of 2 From February 9, ,2010 1- 0niatyy110 0 &evyllwl f) II ql 111,I IUIII IrI Il1 I 111 1111 V 11 II IpI 1100:11u 111 1 I i 117 l 1 I mI I 1311 1p I azr q,dvl iFS trutri llPe 0111.1!1 I VIIV1 IOp 1 16I!II:I 1 11111 10 10' I Ii:' 11 I lI11 1I II II :i::1 111I III II I I1I I 1 101 1 111 Previous Balance $1,084.23 New Balance $1,009.04 Payments - $100.00 Minimum Payment Due $20000 Other Credits - $0.00 Payment Due Date April 3,2010 Purchases/Debits + $0.00 Balance Transfers + $0.00 Late Payment Warning:If we do not receive your minimum payment by the Cash Advances {- $0.00 date listed above,you may have to pay a late fee of up to $35.00 and your Past Due Amount $160.00 APRs may be increased to the Penalty APR of 29.99%. !Fees Charged $0.00 I Interest Char.ed $24.81 Minimum Payment Waming:If you make only the minimum payment each I New Balance $1,009.04 period,you will pay more in interest and it will take you longer to pay off your Credit Limit $655.00 balance.For example: Credit Available $0.00 Statement Closing Date March 9,2010 If you make no additional You will pay off the 1 And you will end up paying Days in Billing Cycle 28 charges using this card balance shown on an estimated total of... and each month you this statement in pay... about... Only the minimum 10 Years $2,344 Payment 543 3 Years $1,542 (Savings=$802 I If you would like information about credit counseling services call 1-866-569-2227. Questions? Payment Address:HSBC Card Services,PO Box 88000,Baltimore,MD 24-11our Automated Account Information 1-503-293-4037 21288-0001 Espanol 1-503-293-4834 Billing Inquiries:HSBC Card Services,PO Box 80084,Salinas,CA Lost or Stolen Card 1-800-366-7817 93912-0084 Outside USA Collect 1-503-245-9280 Manage Your account online at www.orchardbank.com TDD/Hearing Impaired 1-800-655-9392 IHIIIIh111pi111l Ill€00111:1411l((ll'11II{111111 P I I i! 11 fir I`I111 ,'i1 0 10 II 1 111 1111 s('I I II 1 1 :10 1 III 1: I II''::Irr 6 , lI III:I,:r 1 :IriO III 0 II _1',10 :;111111 I_:u 11.,..:' IIII,:. „,,IIIN1 II'I'1 11 u: r.l 1 ,1111: kII : 1 I 911 h ,r,:::1: �11�IU11::,1 IIII 111:,:1116uI:�: 1 I I 111.11111:,,II11M I I::a111,:n,1 1 II101E11(�41::ILB!11111 111:.:1,..11 IIII 1,1u:t11a 1 1 V1 .6:�un. rV 0 1,1,u @,ruVll81N1 Ii l::1�11 11111),::1::.:�::ulufu 111 : 111-111n1:1:1,111�u Your account has been placed with a collection agency.Please contact them directly,or call us at 1-800-388-5333. As a reminder,you may pay your credit card bill online or through our automated phone system for no fee. Your account is over the credit limit.Please pay your total due of$394.04,which includes your Minimum Payment Due and any additional over the credit limit amount. r uxu1111110101fl IIp111 8 1 11 1!1 1 01 1N '1'1 1 01,1011010111110101 II IiI�I II 1'I I'iIl li 0:110.11100 1 ^ 'I!I I 1 1111 { �'10111 1 .I 1 0 U' I :11 1 1 0 01 I°N 1 0:101011110011111 y N r 011111 . 9 0 q N j 1'11 I FI k II 'I 0 I11 I I u � 1 I I{ 1 0 00I 1° I I 1 I I I, O i'I q !I gII . 1 1 I I1 1 1 f 1f_1� � I 1 I N 1 11 111: p 0il I I 1 1 111011101,0 1 1110 ll 01401 i, : 01100.1 1 qpp 1 1 101'1 11 1 111 l,11111 tl 11 011 111 I 1111I1001 1 0 00:' N I°, a:i r I 11111 II 'dr [ 1 11 r 111 111 °h 111 Trans Date Post Date Description of Transaction or Credit Reference Number Amount 03/(15/10 03/05/10 PAYMENT-THANK YOU 654895500640ID0RY27HBTV -$100.00 Total Payment For This Period -$100.00 d 1l 11II I 1 1„I 1 1 9In JI 1 1 N 0 I.i II 1 I 1 1 L11 1 1 1 11 1 N11 l 1 I 1 II IJ1111 I 1 II I� I 1,.II h:INI I 1 I III NINI J 11.1,.,11 �.r, 1 N NJII ,I 1:. k 1 o 1 1 I 11, 1 =•I1 09 11 G � II i 1 I1 1II.1 I 1 v u 1 1 IIIIII11 1 11I 11,,:1 1I II,i I1 n 1 '1111 11 1:1,1d:1 17 1:11,Id11 11 1 J 11 1.111 I I 11t {N:l I 11 1 111 NJ I 1� 11 101 1n.1 1 11 ,11N' 1 1. : .r1 � V1 r 11 1:1 1I I; 11 ,1:111 N 111:111,I I 1 � I II 11 1 111:1 i111I1 1111 I I 1 .I,u I 0 1f1 Trans Date Post Date Description of Fees Reference Number Amount ;:p:.1u+'N I�11 I,,.. I I 1 ..:Ix i ,111 I I 1 1p1'j1:'I I I ;I 13, :. lI I .1 u1":I 1 lu IIII :qlp.�., ,I"1811 I. I I �: : I II I �.1r.1 III ltl ,' I :10°: �'r 11 It 1 I 1 111;'11 U 111101 I: 111I� p1.;1 , ,I I{ 11,111: 1 !� .,L.1. J� �.: 1.N.. II:,, ,1 a ::�: 10..11 1 - ,1 :. IIII (IIII"F�11 1111 �10 1111,, .: ..I VIII . . OI 1 l l 'r (, 1. 1.1' ,,u 1 I p I, alp 111 1 u p11i .III• -NI '1'11 1 11 IIII JJ�IIJNIIl.�111id NN111111'111� I ,��:IIN.0 IN P N11�1�1N111116I NJIlN11 1111:1, ��IIIII,,1, 1 101 ::: ,IIIIJI�III r ��, .IIrI,111111�r11111.JIh111 N N,rlI11�:IU I1:11rI I�11lII.�1 II ��11�INIJ11�::,:11rr11��I f1�1.11_��II��N.f Description of Interest Charge Amount INTEREST CHARGE ON CASH ADVANCES $9.84 INTEREST CHARGE ON PURCHASES $14.97 INTEREST CHARGE ON BALANCE $0.00 TRANSFERS Total Interest For This Period $24.81 Detach and mien bottom portion with your payment. 110201 51 08 0000000508 G STMT07 D C 38430 ODS1 See reverse side for important information Account Number: -2570 New Balance $1,009.04 Minimum Payment Due $200.00 Payment Due Date 04/03/2010 Include account number on check to HSBC Card Services. Do not send cash. Please send your payment 7 to 10 days prior to the payment due date to ensure timely delivery. 110 AMOUNT ENCLOSED #BWN HSBC CARD SERVICES PO BOX 88000 124 C ST BALTIMORE MD 21288-0001 CARLISLE PA 170131918 I� �� 1 II�I� �� I I�� I�I�I I �II d411U111111111111911i11111111u1III11111III1IIpuIIIllllllll ul i 11 h1u i um hi ii i i i II b u d 2570 ORCHARD BANK MasterCard Orchard Bank MasterCard Account Statement Account Number 2570 MARK A BAHR Page 2 of 2 From February 9, o arc ,2010 1'ill�t lil�m��ll:%1 3I ,,;I 1' i;i (!�il" ,I I�W'IIIII�III�lM 11111111'}1, III �11�1111 I iN I u 111 i1 IWI 11 Total fees charged in 2010 $0.00 Total interest charged in 2010 $24.01 I r.P 71, 9' 0 1,. 1 "::,il il 'I,. I.,,� .I II I ;I�,, I ",�,,,gl I I';� I � I..1.1,,1 @ h ..I r 1 91 :.:,. I� II I !: h..l.l, NV, I�Is Vi. NI I 1 ,:1111 . I, I Ul 11:�L,: p I�,,NII I. I I I1 �L II IN".il:.,,,1 L N I.I.� ll l I 1:1,1 I:, I �.•, :I 1 li l 1:4.1,1 I,o 111 ,1111 I�1 , 1 11-T'1I 1 ;�1.,1� Nei,, :.: .,,i, :NN: I � d� ,..: :1. �„ ! ;�I� I Ill!Ih1:, 1 f �:1:� .G .:� q ! .1 ":,;., I�f 1 L 11 '.ui � 1, �II�LI,V'�.4is1�.,I�,J�,IIdtllllVll ,il�:.11l�.!�IIIII11�11 q1I�;1I,�N��I 11 Nlll�11-0111 11:.11 111111111 I u gall+m 11� 1111 ":,N I1N V��11�1�11;:IIIL:IIp 1::�nw:ill"'I 6�� 6VdN��1d:II Ni6�l':��I II�: i1�Id�id,mNwl�u�i:,./ Your Annual Percentage Rate(APR)is the annual interest rate on your account. -:: : 11.E^„, 1 1 a 17!1 .II I,IJI ,III :,N N. . iC I Illli:, u.!h1.l7l 1111,,< , 111 .111 , h F l l:. ��u.�I111a�a11�h111��!III Type of Balance Annual Percentage Rate(APR) Balance Subject to Interest Rate Interest Charge PURCHASES 10002 29.99%(v) $650.58 $14.97 CASH ADVANCES 20002 29.99%(v) $427.80 $9.84 BALANCE TRANSFER 29.99%(v) $0.00 $0.00 41111 0-1 nriable Rate 11.9 Vf1JIIII18111r!tl10.1Bn 1 Phu VII ;l 1 4 1 ''!'I 1 I: 1 11 1 I.I -� NI ",:, a N,., II �. ' t. �9p11:'I n �;.:: 1I, I1I,IN III.: .:,J' I'f.l 1 1, 111' IN ':, II ,.!.. 4 i P,h 11 I ! :� 4 '� ;I II� N 1:4..�� ! ''.I'I Illy 11/111111 I�,d:Il 1111111 INW�11111 i llVs In 11,1111:,�Illle,ln,: �,h1�(:v,�!:,�l.l,�!�I L�.u ,�'1.�11 u �Nsu oN:l.� I.V:I 1�6ii Il�gl� ,I��iIIL,:��le..�,!u��a NI:Nul,.„ Ilua!,1 ru !”� u�tlllll:l�:,,„,dd111u�IJ11�11N�IN1,,:�IVI llh��lu uN III �I I�IIIII Il�:l 111,ICo ,,,I Interested in finding out more about our Over the Credit Limit Coverage?Go on-line or call the number on the back of your credit card for more information. 0.11;11111111111111111111111II9(11111 111 { ,,IIIIy 111 1 ( N1 lip 11 j1 PIlll 1'' 1 ,I g 1N Iii 11 v V1,r !bh�I i,t 11 1 • liui t I 11111,�ih 'I III��LIB' IN9 1 j1 II IN' �VI III�II IIII I1�4l I�� 111,1"ii 111IV HH I.! I!III �I (II G�J l'P (�J: �6 I 1 �1� it i' ��P�V�.I 1F�' III ��, NN,I I111l:I I�NNI Online Account Access lets you take control of your Account anytime,anywhere.Registration is easy,secure and waiting for you at go.orchardbank.com. #1111118 11D111N. INk ll �11 pal I 9!"1J g I!�'I 1 'I1 Il 1.0 1 1 11 I �ki' 0h II 1p 1 �k`�gg1 p' Il41 41 1 P 1h l jd �Ig l i 111 1!I 1 1 '?1 1 Ig k.:11 ;';,: u11 1 :111 i I, !oil' -III01 l 11 llidl 19111 1 1 l 1 NNA I V91,'1 S N 111,,J',11'I " 1111,1 To learn about services we offer to protect your account at times of need,visit www.personalaccountprotection.com to enroll today. 110201 51 08 0000000508 G STSTT(TO7 D C 38130 ODS1 ORCHARD BaN1( MasterCard Orchard Bank MasterCard Account Statement MARK A BAHR Account 2570 March Page 1 of 2 From March o pn ,2010 1 pu l tp slcllI 5 it'i'y'p I 111 I• III I 11111111 11 I 1=i 1I1 V II 31 111 IG n111P I I_I ty a!!':'1 u1r 11ttlt NII I,1111 1 III 1111 IliI 1 11 II 111 11;h9 I V11 1111 VI II f III 1111 I I::; Previous Balance $1,009.04 New Balance $1,034.21 Payments - $0.00 Minimum Payment Due $241.00 Other Credits $0.00 Payment Due Date May 3,2010 Purchases/Debits + $0.00 Balance Transfers + $0.00 Late Payment Warning:If we do not receive your minimum payment by the Cash Advances $0.00 date listed above,you may have to pay a late fee of up to $35.00 and your Past Due Amount $200.00 APRs may be increased to the Penalty APR of 29.99%. Fees Charged + $0.00 Interest Charged + $25.17 Minimum Payment Waming:If you make only the minimum payment each New Balance $1,034.21 ; period,you will pay more in interest and it will take you longer to pay off your Credit Limit $655.00 balance.For example: Credit Available $0.00 Statement Closing Date April 8,2010 If you make no additional You will pay off the And you will end up paying Days in Billing Cycle i0 charges using this card balance shown on an estimated total of.. ' and each month you this statement in pay... about... Only the minimum 10 Years $2,330 Payment ' $44 __. 3 Years $1,580 (Savings=$750) If you would like information about credit counseling services call L_ _ 1-866-569-2227. Questions? Payment Address:HSBC Card Services,PO Box 17051,Baltimore,MD 24-Hour Automated Account Information 1-503-293-4037 21297-1(151 Espanol 1-503-293-4834 Billing Inquiries:HSBC Card Services,PO Box 80084,Salinas,CA Lost or Stolen Card 1-800-366-7817 93912-0084 Outside IJSA Collect 1-503-245-9280 Manage Your account online at www.orchardbank.com 'MD/Hearing Impaired 1-800-655-9392 11! II Aar I : 4:. �I �':Ih. �n .,I,I�.; 1 1.��1 III ,i:.. I, 1,,. 11 111.1 .I i m 1w. ,.q ups 1 1,:1' fI 1 :,1.111 I.,..I. .L.,_: ,. l � II _ 11 I i l i it I II LI t l I I III: X11 1 � ,I Irlil 1 1 11 0..� I 1,:1, L.1 I I,,I 1 19,1 . J I LI 1 II 11111 , I4 1 L I, ,Ilpol UIII,I,I ll I Ilil, 1 III u1 ,1 L 111 : f 9 111 � 1� LI 1 f 1 1 IIII I. 1 , �. I� ,Jld ill J11 Hr 111..1 l I. I,I �....III I,. ..�. i1 I I ..I:.ail le I.'. .. i ", .. � � � I : � 4 I I a I .. �� ,.. I i i I. I. 111 L,111�1 NII,lIf1N INN1@�1NIC.111 �11� MIN 1 I I � 11� 11 11 .�I 1. 111 II 11., � full f l � 1 , �1 . N�I N P��,rNf��u,I111�11Ni 1111N�IM1�r,11rIIIINl1111�1�lalll,��hNGNI�Nr1111t I��NII N11�liN��111i1i1111.u,,1111�a1f lliNa1N1111�If 111 fuN111111�11P11�1111,,1111:111r�1�1111 rhIIGI 1If;Ila111111111111G1i1111 I:�IiIIIl1uN1111C�Ji111N 1111If 111IIO1111111111V1111I�1N111,N�Ih�rdNall�al N111i1�1111 Notwithstanding the'Annual Percentage Rate'disclosure on the reverse,if your Account has a variable rate,the prime rate used in the calculation of the variable APR is the U.S.Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month("Prime Rate").If the Prime Rate changes,the new APRs will take effect on the first day of your billing cycle beginning in the next month. Your account has been placed with a collection agency.Please contact them directly,or call us at 1-8(10-388-5333. As a reminder,you may pay your credit card bill online or through our automated phone system for no fee. Your account is over the credit limit.Please pay your total due of$420.21,which includes any additional over the credit limit amount and your Minimum Payment Due,minus any Past Due amount. III „l 1 l �Iillillj 1 11 ICI Ip'llul I 111 1:'11 Ill 111,,,1 1l :it 9,1jr1; 11p111lit li,l.l p. 1 1 1 1 11 pr ., I,111 i 1 fh'..h l.r 111 !ill 4.1D1,,,111 IIII .Illlkl .:III f 1 �1ir 1�1 hiIl011u:ol V 1.III/A1111=1i 1 1111 19111'.Ii I,1 II Ilhl 111..I111�I111111 1 1 111 1`1111 11111111 h I111�1: ''.1 l.1 lhl .Hall 1 IIII 1111111„II111111r111 Ill,719 I I'',91f 111,111' I 1 e Trans Date Post Date Description of Fees Reference Number Amount 41111111,1 1I r I;,'lllil II:! I'.. 1,' °I 1111,1 w I II ,I I a :, 1 1 1 : . IIII,.I ICI I I I 1 1 1 1 1 1 1: _I I u !1 lo,t� 1 ,� I �: ;, .I I. III ,� I� I I. 1 � �, .L li... ,,.II 1111 II. I:, -�t.V r I II a ui. 1.11 1� +.I I,. 4 ih 11, 7 V L u u .111 1 m,l 041111111 1 1. pl, l IP 1 :1 I �, I1 � 1 11 1 III , 111 111 � ILJL1 ,11 , Il1�l l 11 p[: L. 1f1 L. , 1�INIIC111I11I�NI�IN1L�I,1 11�i1111r�Vf1N�N111,�II�NIVl11Il 1 d . I l N��FINe�1�NcNNIr�pM1�d1�I�rNt�1�I1 Interest�11I1�LNfa��11�9u1k111�r1�I1�11N94��11I1�� 14111111, ,1�,11�11INIII111F,4.1111Jh�I1�I11rI111N�1161��llNIIIl1u1�IINN�11111h111I1�1N�llrllll�l�llJd�rN�f11111�1iII1I111I11NNN��III�u�I�tlI�1��11u�uI111111ri1�nlll�a�I��11��IIIJ11NIll Amount INTEREST CHARGE ON CASH ADVANCES $10.80 INTEREST CHARGE ON PURCHASES $14.37 INTEREST CHARGE ON BALANCE $0.00 TRANSFERS Total Interest For This Period $25.17 Detach and return bottom portion with your payment. 110201 Si 08 0000000508 G STMT07 D C 35728 ODS1 See reverse side for important information Account Number: 2570 New Balance $1,034.21 Minimum Payment Due $241.00 Payment Due Date 05/03/2010 Include account number on check to HSBC Card Services. Do not send cash. Please send your payment 7 to 10 days prior to the payment due date to ensure timely delivery. 10 AMOUNT ENCLOSED #BWNHYTS HSBC CARD SERVICES PO BOX 17051 124 C ST BALTIMORE MD 21297-1051 CARLISLE PA 170131918 ll1l1l11ll1lllllllll1ll1lll1ll1lllllll1lll111ll11llllll1l1llll1ll giqullilllllilihllllh4111111IIJIlhIhJIigllIplIIIPilul 2570 ORC[-i2RD B1NK MasterCard Orchard Bank MasterCard Account Statement Account Number 2570 MARK A BAHR Page 2 of 2 From March 9,2010 to April 8,2010 . 11 IIjul l atd rlk Illhla�IWNINlhl�ll'If I� �Y�d9 II I,f�;l 11 1111 Total fees charged in 2010 $0.00 total interest charged in 2010 $49.98 �:sir ,. X11 I sra1�; i n�..�r 1 i ^I ::,'+ w. .:,Ild I I it I I ICI n,r:. ...`� i. I ,. ':.:: r ,, -1;:q,�1 �, i�. xlr ,. � 1 :,.'i n k1.IlIElll�l l a. 1 � I L. I,:. I L � 1[b f I ,b II I III,.,[,li .�p , I � ..;L I� •„ In i I ,,, �Ilii r 1 IIII r1:1 f , ;.; 1 16p1,� I' i lh . , .11 1�1I Ik 1 0� �111k,11 1,11111 . X1, 11111 k1.�,1...,,, : 1 I 11r! Ill lh .1111, :I V1JI 1. h i t I� I.I � I I L,I I,I 111,I I � II k��hl k,1., , I 16 k i III 11,.. .1 I . L I II 111. I1 11111.,1 it � 1 1�I II I h 611 , �I1I �1 11,1.1��,� Ih LL C I �1 ,1 � �L l � .'u. x 1 � u Irx�111. r11�. �Il:u,lh.x1$IIx:�III ul��x;�1�16x IF llrl I �.�:J,1�11�1�1 III61GIdh,��l1:11 � 11IIII��NIU111�:F1 Il��k111 II ��, 1 i 6161111I��1116G1�� x:�,Nxl�1111 JI��Ia�ll��N1��1�k1��1 IIBC�I�I:I�11,6�;$�, ��F1111��11x1111,�IJ':�1111.1d1111�1�II��1:Jl:lul��1,1:11.1$I�� Your Annual Percentage Rate(APR)is the annual interest rate on your account. �,�x�� 11� 1 a1,6 I t n ryl v it I 1 1 011,111,111i !11,11111,,I,..:ill.��p ,V11I 1,611 1 1u 6 1 1 . k.��1; l� �I � , ,l h 1 .11 1 111I:1:11 tl1 1�1 ltl .111111:„Ir 1W�dI. 1: 1��I: �I�1 ��x ,$:kI l61L I Type of Balance Annual Percentage Rate(APR) Balance Subject to Interest Rate Interest Charge PURCHASES 10002 29.99%(v) $582.97 $14.37 CASH ADVANCES 20002 29.99%(v) $438.19 $10.80 BALANCE TRANSFER 29.99%(v) $(1.00 $0.00 41111 v—Variable Rate 811 s16+1111111$1$lll 1,;111!1$[166 1[I Ili Ng ii gp1 6: g g 1 r 1 xl L. :V':I 111 _., x,I:�1 N �, 1 p1 1 1.�.6i1 l .,dpp,..l 1 II p.: 11 lgpph 111 1 1 III 111 , II I1) II 1111 i�mlll I i 14f1�'klll'11��611111u1x111'4�!11II1 II�IIiiilld�1P11III�'�I161�kI�ll +d_1�Iu1 k�l Ii11�(u!II�!i�111nh�111��I�kY191��:Ilrtlll1116�1uI��Iili1R1!IIILn,11I�:��1,1��1M�� 1F1oNx111b' N �III�111:i9111�I111111 $iluilRil$ 1111 11�;LII'�$Ih�x�l�ll• To learn about services we offer to protect your account at times of need,visit www.personalaccountprotection.com to enroll today. 11020151 08 0000000508 G STMT07 D C 35728 0051 ORCHARD BANK MasleKard Orchard Bank MasterCard Account Statement Account Number , 2570 MARK A BAHR Page I of 2 From April o ay ,2010 tau�uiwl p l rI J pm1l I i)8I np n Iq l u) 1 „:^ du ng io w ato i 40 11111 111:111 41.111111 11 111:11 Vlil I�11�111 11h11111N t i11111 111 1111 111j1)1 1 II1 1111 11 41:11 IIII 11111111111111111 dell ulus 111111/4 Previous Balance $1,034.21 New Balance $856.82 Payments - $200.00 Minimum Payment Due $37.00 Other Credits - $0.00 Payment Due Date June 3,2010 Purchases/Debits + $0.00 Balance Transfers + $0.00 Late Payment Warning:If we do not receive your minimum payment by the Cash Advances +- $0.00 date listed above,you may have to pay a late fee of up to $35.00 and your Past Due Amount $0.00 APRs may be increased to the Penalty APR of 29.99°ro. Fees Charged + $0.00 Interest Charged + $22.61 Minimum Payment Waming:If you make only the minimum payment each New Balance $856.82 period,you will pay more in interest and it will take you longer to pay off your balance.For example: Credit Limit $655.00 Credit Available $0.00 Statement Closing Date May 9,2010 If you make no additional You will pay off the And you will end up paying Days in Billing Cycle 31 i charges using this card balance shown on an estimated total of... and each month you this statement in pay_. about... Only the minimum 10 Years $2,215 Payment $36 3 Years $1,309 (Savings=$906) If you would like information about credit counseling services call 1-866-569-2227. Questions? Payment Address:HSBC Card Services,PO Box 88000,Baltimore,MD 24-Hour Automated Account Information 1-503-293-4037 21288-00(11 Espanol 1-503-293-4834 Billing Inquiries:HSBC Card Services,PO Box 80084,Salinas,CA Lost or Stolen Card 1-800-366-7817 93912-0084 Outside USA Collect 1-503-245-9280 Manage Your account online at www.orchardbank.com TDD/Hearing Impaired 1-800-655-9392 a;u l l 'I,Ir ,� 1 1.114111q,.. ...11 ,.I au �1,,�1�. .,�.4 1 ,..::;,�: ,,,.:. .,,. .,...... ;. �„�;�..... ..:.: .. ,�.,..�� 11'1 1,'I' I. 11 Ill I ..III .I ..1:11 1,.1 1.:.1 1 r 1.1.,11 1 1�.,... r 1 .1.,.1. 4r..lt�. .1. p 1 11... I. ,.i.r,. 1 ,. _ 1 I�11 .III N , 1 � 1.11, 11 I , V I I I ll l f l 1 1 ! 1,1 � ,:. .:bll l it, 1„ 1 1:1 .1 1 11.,1, I I I u ,lr l l c. I.. 1 1.1 II � I I 1 111, ,11: 1 ,, II V .cl,l. Irl I 14,„I I Il,,,l 1 III ill III 11.1, 11 IIII III III LII1,1111 L :I,IIII:, hl, 1 �,,,IIIIII 1�I Illrli,, 1 y11,111111 1 111 1.1 1 611111NIII„L.111,,11 11 11 1 1 111 ,1,1 11 II 11 p11 1 11 :ul ,,6. ;, 1 11 11.1,.. 1 1 1 I 11 11 1I l I 1 IIII 1. I, I ..;: 1 �,1... „. I 1. ..1 ..�.� „. V,� � u . 1 i. �I I I I, I I :; L 1 .I 1 .. �. : I 11 L 11 I I . 1 1 11 , iu, 1 t u hmlu l�u.111 l ln1 1 1. I I'illul 1111::,n J1,111 llr�u:1 11;11,11„.,1 1 I I ,1 1 11.1 I 1 � � 1 11 I I I IIII 11u,,41u�.11lu, ll 1��,:.:1.,1�.1111111.1111:,1::11.l,dl111,1:111,111,1:.IIIII11uI�lUV�a.:1R 1111;1RI:IJ,.I;,,ullli111 „��11:�,1�11 111(1)14�11,161: �lllll,�lllll014 111;X11:11111+1��,III�1.11GIi6��1� ,IIti1,11� Your account has been placed with a collection agency.Please contact them directly,or call us at 1-800-388-5333. As a reminder,you may pay your credit card bill online or through our automated phone system for no fee. Your account is over the credit limit.Please pay your total due of$238.82,which includes any additional over the credit limit amount and your Minimum Payment Due,minus any Past Due amount. Thank you for your recent payment(s). As a courtesy,we have returned your Account to a current status to aid you in continuing to repay your Account balance. m1oYNRIIR<IIpIRI"NltlfilR,l (1,11'11111111Ii.:',11u, N Ip"I �y1i 1 l 111. 1 1 g 1 III NN 11"1 i', II �bl '1 1111 .1 IN 1 11 j 111 H 11141 1 1 LII III l III 1111111 11111 111.1'. 0 141111 1 q :111 1111 q !,,1.1 ll:l 1111',111 1�4..d�I�l lilt 31u11� h, 11111� Li ,r',11 111 1 1 1IV 111 ,,1 11 I C II Y 41 II I,r 1 11 1111 it 1 Trans Date Post Date Description of Transaction or Credit Reference Number Amount 04/1(1/10 04/10/1(1 PAYMENT-THANK YOU 6548955010001CN772VVJ6B -$100.00 04/21/10 04/21/10 PAYMENT-THANK YOU 6548955(111101LOLXJ5QBDR -$100.00 Total Payment For This Period -$200.00 1 11.1 1 11 1 1L,i'' 1�11r 1.1.I I 1111:I 11 1,1 1: 1,1I�.�11L11 1 11..1 1 1._ 1.Y 111 1 1 I�1„1 Lal 1,�h 1 1 i ., 11IH:I 1 I : Lx 1 1 �11u 1. �!(.1I"I1I1, ,I ..I 1 111 11 I f lLn1 l � N 1 NN 1,�111 ' �1 II 1 11,�.1,1 9 1l.L 1 1 I 1 o f 11;, • 11;1 I1„11 I111 11:11.:,:11 .1 1 1, 1:11. 11i, 1,�,,11 11,V,a 1II 1...1 8111:1,1I I II,.u1I1 rl 4 ,�n�.J1 1I 1 ,1V111I.l,'I III 1 116 ,I1.11. 1 N1 ld�I,1 1�1.1:1 �1fl�1 I �I1�,11 11 I I.,lu1:1 111 4 111:I 1 �1Tul N 1 I111 11 1 l ' Trans Date Post Date Description of Fees Reference Number Amount i.� I 1 ,;1.111 1, II.1 .I.41,1.... :I I 1 .1., ., I 1 1 � :� u- ,. ,. �„x. ..�:.i, .. ., .. I 1 i r 1.�� II. � I .I I ...:Ill ..,; . II 1 I. 1. 1.1 1., lr , � �.,: I 1111 1. I .I Ih 1I l N L IL 91.1.: R ll It 1, I I I ,1. 1 1 t1 a, , 1 1 1 1 , 1.1 1,I,I I 1111y L.h ,w 411 1.:11.111.. 11 1 I, , , I I 1 N d 11111. 1:1 . 111. 1...11111..1, 11111 1, , IL 11 Ii IV1 I %� I PLI I I;1 I 1 :Il,l l: It( 1811. 111 I r I I 9 ., rt1 1 R i m 1.. 11 II Il,l II NII , L I INI , 1 1 II 1 IlU 1. I I „I L 1 L I lu, III a ,.II 1 . 11 Id..,,1 11.1 ... 1 .. 1., ,ill I �� ,. I � � 11. :.. 111111..1. , �:, I �.�. :11.:11 v l�. �.::.1 11 ..1.„� ,I. ,. 11. 1 1 .,11, . 11 1 1 1 11 1 1 � 1.. 1 11 �1 1I 1 111 1 ..11,111. .1 Il 1 1 � I L .f 1 1 . , 1 1 1 1 1 1 L11111111hL1 I1 L 1 Ir . I I I I I V 111 h L 1„ll�lll.11,l:�Ilml l 111,h11111111.111 Io11,.11.1d 111 ll�„111IIIIL,IIJ III16 Il I 11. :I 1 1 11 1: 11 I � 11 �1 111�11I1.r16n�11�fI�ILCI,��IIIIII111111�1�IIIIc11111;C1141,1:111111a111� 1.1,,41:1 141,.11:1:1I111611G,111�IIG1�11.1111:11 1111 N�111�I,1:,111��111111� F1 �C:II�u11,111111111111111,11,11�J1111I PI 111 11N�111GJLf1111u1111��1��J��N�f14�G1�111i1,411 Description of Interest Charge Amount INTEREST CHARGE ON CASH ADVANCES $11.45 INTEREST CHARGE ON PURCHASES $11.16 Detach and return bottom porton with you payment. 1 10201 51 08 0000000508 G SThtT07 D C 34746 ODSI See reverse side for important information Account Number: -2570 New Balance $856.82 Minimum Payment Due $37.00 Payment Due Date 06/03/2010 Include account number on check to HSBC Card Services. Do not send cash. Please send your payment 7 to 10 days prior to the payment due date to ensure timely delivery. 110 AMOUNT ENCLOSED HSBC CARD SERVICES MARK A BAHR PO BOX 88000 124 C ST BALTIMORE MD 21288-0001 CARLISLE PA 170131918 ��I I I� I I I��II�� I II�I �II 11 Ilhrild ih9gilulli,pliiim111111l,1g1111111q 11111lllhl '11-11. i l u i 11:11 i h III i ul Ih II dll 2570_ ORCHARD BANK® MasterCard Orchard Bank MasterC ment MARK A BAHR Account Number 2570 Page 2 of 2 From April ,2010 INTEREST CHARGE ON BALANCE SO 00 TRANSFERS Total Interest For This Period $22.61 ' 111Nft rill 1111 In111111141,4'(t. t =r- Fotal fees charged in 2010 $0.00 Total interest charged in 2010 $72.59 11(11111 IIIIIIIr)IItIp1 111111111tII11191111:IltII1g11VIW11111QI?IIIp1 III p;.'P 11'':' (1 1I� .. II a III 11 "11 III it t'I!I I� VII i'�IJ 'I1{ IPII.I' t� Ih; III III ' I ". Ir, I1Ip ' 'Y'.I ''' i" II 1 i 1 d;l .1,,,, !l�iu , 111I�6 t l MII Il ii I I ,1dil1) 1III'i 111 10Oli lHol IuI di 111111111 '11111 Ilth II 1,1,11!„,.„ Ill�lllll�lld�lll°II�II,'I�141�P I Cull 611�I I�IV III 1,I,„�ll�iV III I i t�'i'�I IIII 'lllilll'OIII lu Itlldlu�lh Your Annual Percentage Rate(APR)is the annual interest rate on your account. { . . „, I . I i 1 u�� Iu:,: I :Cd�,.G I 1 ilV1k �I , 0E� I I ,,IHiIII I t 1 1�d1 I'Ohl IhC III,II I I I:11 .11¢ I I I:L�{l�l�i l : 1 l.1.: l : r II�,��1 I I M � � .r I 1� �ppp�,:N �N ,,�..II., �I . :I I w� ' I I tI I II,I '1� J . B'' N,I 1 I �J �a�h I � 1 . � I f � �:I..�I.1 r.1,,I I �Ci � �� b. i..1I I�II,: i1,Ii � �� 11 �� I I� I �� % d1: [If' �1� tl1 i"11 1'' 1UiIINI t I I I I 1 II1 Type of Balance Annual Percentage Rate(APR) Balance Subject to Interest Rate Interest Charge PURCHASES 10002 29.99%(v) $438.07 $11.16 CASH ADVANCES 20002 29.99%(v) $449.30 $11.45 BALANCE TRANSFER 29.99%(v) $0.00 $O 00 41111 v=Variable Rate 'I t1 Itll II'I.IIVII111111,111,1I11111,114i',P111111 111',11111111 I lq' .I Ii III"'. 1 I ', 1 11 h1 Ilt ytljI I B ''h} ' Ilii" 'll� 1 1�'p 11 IIII q I.II I i1;I'll,'1 11b 'I'I ul 'I d, ��III III II1 111:L Ihp�d11 dhl,d:H,l l�1�'�II,,,111111,11 1 I Id11111hI1,I1 a�It u1 1!41 611,111 11,WA,'I'�1' 1t'I NI1hI la111'I I ILIllul u..',,, ,,�V1�dIIII G1111 I,,,':1,11 �4 I Iu II Jl , � 4, Iu� wk114 1 'ro learn about services we offer to protect your account at times of need,visit www.personalaccountprotection.cont to enroll today. MII1113,1 IIIIIIIINIIIII',.11119.1111111 Ij ly I ''(I.11� I .1,.111�1I III '':I ll III 71 til '1 19X1 i... 'i II li l'''' d N'I p'pI II ,II 1.IIII Iii LI 1 :.:11:1:1111 I,!',11,1 Iil1l 111 1 F 1, I:I I��'IIII.I II.k1 111.1i�.l.II01,,, , t 1,111;,11, "Ill I 1��I I � 11 << `I I 111191 III I1,r4�11 411 111Ig1,, 1I1 Ip�'1111 F�i�4,41::1il ill 1 I Online Account Access lets you take control of your Account anytime,anywhere.Registration is easy,secure and waiting for you at go.orchardbank.com. 110201 51 08 0000000508 G SI7btTO7 13 C 34746 ODSI ORCHaRD BaMC MasterCard Orchard Bank MasterCa vent Account Number 2570 MARK A BAHR Page 1 of 2 From May 9,_ to une ,2010 Ill, �:q1.71 •n 111 111 111 II u,:1.,'VIII III !f!h!I I!;Ip111!111!11 1 °Illli�lll!f!h!°j 11111 fj111:1 !°anbtl. Wr1 iiri/,111/ F 11!1011 :!, I III 1 If,NI „.!.� 1 r :1111 1 11� III 1111111^111 III III 11111 1�1 .:.:114,11 1$1156.82I+I� New Balance".,:: 1911 Illfi J 111 1 f1Jtl111' Ih 111111111 :h111 h1 III 11111�d1 11 II$hl 1. rl. Previous Balance � 820.54 Payments - $57.00 Minimum Payment Due $34.00 Other Credits - $0.00 Payment Due Date Jul 3,2010 $0.(10 Purchases/Debits + July Balance'Transfers + $0.00 Late Payment Warning:If we do not receive your minimum payment by the Cash Advances + $0.00 date listed above,you may have to pay a late fee of up to $35.00 and your Past Due Amount $0.00 APRs may be increased to the Penalty APR of 29.99°'0. Fees Charged + $0.00 Interest Charged + $20.72 Minimum Payment Warning:If you make only the minimum payment each New Balance $820.54 period,you will pay more in interest and it will take you longer to pay off your balance.For example: Credit Limit $655.00 Credit Available $0.00 Statement Closing Date June 8,2010 If you make no additional You will pay off the And you will end up paying Days in Billing Cycle 30 charges using this card balance shown on an estimated total of.. and each month you this statement in pay... about... Only the minimum 10 Years $2,095 Payment $35 3 Years $1,254 (Savings—$841) If you would like information about credit counseling services call 1-866-569-2227. Questions? Payment Address:HSBC Card Services,PO Box 17051,Baltimore,MD 24-Hour Automated Account Information 1-503-293-4037 21297-1051 Espafiol 1-503-293-4834 Billing Inquiries:HSBC Card Services,PO Box 80084,Salinas,CA Lost or Stolen Card 1-800-366-7817 93912-0084 Outside USA Collect 1-503-245-9280 Manage Your account online at www.orchardbank.com TDD/Hearing Impaired 1-800-655-9392 1 I 111 � 'i�14 I"f I V 1 1 1;!�,:^,I 1 1 r11;,.,, 7 I1"1:'.•11, 111 �!i1,11 :1.;:1 •., n 1 � r. .. II II.:. II 1 1 1_...:I L. III II � p 1 :°II L. 11 I8.:YIP !.,;I: ".' ;��i:1: p �1,;1u!11 11,:F1i'l !I!�r.a 6 :, -I i1, ?III � 9.. V11 �LI 101 P 1 1:1,„ f1: 1 „ ,11111:: 1V11.11:-1 1 611111 1 :1:,1::.1,1 1 :::: II 11111 ,, 11 1 hr1:, 1 J 1111 �, I, II I,I: P.hI 1 1.,,1 1 1 1 1 1 � 1 1: V:, 1 1u11i1 a 1 f11, 1 1 l. pp 111 . L III � L• .1 11 I,I, .., Lt 11111,:1 ut:4 1,htll1u11u,1.1�u1mi.1u111tl1166,.:::14,11�1111111�411 6.:� � l1^IV1...161ik�4:,1.11II111G�1u� 1�11�: 61YI�I�L11�11tl1.1:.J..11111111a::.�011:1::1lVIIII ,11111:i�1;11111 1 111 6:1:�61�:L7:1 f�11111111:h1t11114.1�111111u1h11111111r61^Thu 11111111111 L:i��111,�Ju1611� Your account has been placed with a collection agency.Please contact them directly,or call us at 1-800-388-5333. As a reminder,you may pay your credit card bill online or through our automated phone system for no fee. Your account is over the credit limit.Please pay your total due of$199.54,which includes any additional over the credit limit amount and your Minimum Payment Due,minus any Past Due amount. u11u111'I1/3 Idlll IhP1tl I1 • 1 1II Pl.IIII ,fl, I'I� qr:. 1.111;1 ul 1111 110 I!1 1 1!,I 1 1 ° ,1 Ij it !oTt 11 Itl 119.E IV I1 II 1 ,?.„1 pl 1 •1.1'1 IR Illy h 1�1.1 1106:.,N 1 P1 1 0,, �.1 14 1 qt �p I 1;j1 'I 1111 1I I11�� 6 Af •..��A11 1 11 F�� tl l l s1l a YI ! L,, V�1 Ntl�:. 1, h II 111j t 11 i0. :.! 1 10 :I1 11111111 119.:9:P�� 1r 1111" IIII 1:11 b11):tl11191 1 6 II�'11 �'11 IC� 16 t� 1��1 I.: M1?1i 119 11u:Y1:,Vii1 1 1 j 6',;'`111 1Nb1'II 111 1180 1!''11,1r I `1`�lt�k i1 I 77! 1111 Ili 111 1 I! 1.1 0 11ll 11111`a� t III hl G I:. 161ILf1 Trans Date Post Date Description of Transaction or Credit Reference Number Amount 05/26/10 05/26/10 PAYMENT-THANK YOU 6548955014601G68G024XRH -$57.00 Total Payment For This Period -$57.00 11'01 I J 11 1 1 6 I5 p u„tl.1:�1. 11f�1 1, :.I 1 LL,1I 16% .II 1,1 �I, . n 1 u Y N5 � 1 � II N 1 1 .,„ X 1 r11 I.. L� 1.511i 1 1 n I r t V 1u. C t 1 1 dV I I 11 1:1 I1. L,11 I iP 1 11�11u n,0.l f. 11 1 II 1 1 1,,x 1 16u1 11 1 1111:,1: 1 1: 1� 111i1. 1rlu .I Lal� 1111 5,11.:11.55 1 1 1 11111l I ,i1 1,1 I .!1 �i 1 ,1 11n 1I Ir6, .1 1 11x1Jt r1I1 1 I.1 111:1�9 1f 1 Trans Date Post Date Description of Fees Reference Number Amount 1^"1.. 11 1 1 . it n II 1:.'?PU^11 11 :��17 , �1n11a 1 x.,111 :1111:. II � .. 1.1 �.�, I ... I 1 e'� .. 1 11 I ,1V I I .1:. 1 111 1 I ul 1. 1,r.;-; 1 „� 1 1 ,1111111 �. 1 a;1: : : 1 1,:,,:1 11,1.1 1 { �:11 III; 11 1111 1:1::Vl I I q I 111 x1 ,1.1 ili�lr �I III„1!111 I 1 111N111::.p1,;, :11 111 I11:11., 1,1 , I1 I LI1 ,1111 1..91.1. 1d 111.... C I I 1 . 1,11. 1111;1:1 1 11111 1 l I: 1 1 1:. II 1 61 11:. 1II Gp �L 61 I1 �11II11 1111�:IN:I..:�,�II �k�11�P1::11111i11.IlIV lu :,111061,11111 111Y:11 �I,r1 1 V I: :11 11 J, 111 M1 1 a fl V� �11L1�111G1� 11111111111 �i tl11 ::1 : h WI11�^I111�,1r11.N r1111:a�1�11�1�111�:NIrI:1l:.11tl111��11�1�:ri 111�I:INI: IJ11�111::,:11.11:1: �11 11�IP11�1 f11111f1�,I Description of Interest Charge Amount INTEREST CHARGE ON CASH ADVANCES $t 136 INTEREST CHARGE ON PURCHASES $9.36 INTEREST CHARGE ON BALANCE $0.00 TRANSFERS Total Interest For This Period $20.72 Detach and return bottom portion with your payment. 110201 11 08 0000000508 G STMT07 D C 33452 GDSI See reverse side for important information Account Number: 2570 New Balance $820.54 Minimum Payment Due $34.00 Payment Due Date 07/03/2010 Include account number on check to HSBC Card Services. Do not send cash. Please send your payment 7 to 10 days prior to the payment due date to ensure timely delivery. 110 AMOUNT ENCLOSED HSBC CARD SERVICES PO BOX 17051 124 C ST BALTIMORE MD 21297-1051 CARLISLE PA 170131918 111 1 1111 1 1 III 111 1111 11111 1 111 1 IIp11111u11111u111111IIII1111p1Ig1lu,111111u111p111111111 I I III III d l l ih Ilhl ��i i u h 2570 ORCHcaRD BANK Mas&Card Orchard Bank Mumber 2570 MARK A BAHR Account Number 570 Page 2 of 2 From May to une ,2010 11' 1 I II!( 11 I° 4=1411,I '" 1 r j1:4� �tM9 k I ..u' i I III�I IIt�l I I1, Total fees charged in 2010 $0.00 Total interest charged in 2010 $93.31 P giq'llllp 1 tl^(IIIII hl 'I 1 k,.1 1111 � I I I,,.::..,� 1,11J,[1,1-,,,,,111111'1,111,11!II ,.L....1I I'I ?IQ;ou 11 ,,.�11.'�I"I" II I';1r; u^ u:.. ,. � 1:.:I. 1..,:,.. 1 111 :: Id 1 I P (VIIl{ dll::l IIr1�1111 X011111 111111Th: I 11 11 11,:, u 111 III L:::, pl:.ld l,l ul pI 1 '11 I 1 1 I tllallc l::r o : 1 :6i:r l u C lllltl :I h:L.II I Ipl��hf: l��:ll�l�lu��:�l��I�I11�1:��L��IIiI III Ia,II��:LIIIL�:Illlillllwl.11lll Ill,lllllil6Q�� Ir� Tm Ikl�,:h�'1111III I:Ifllrlj!kll �IIII��l�l:�ln!IGII��I I�I�� I�II�I4�I��I III �Llnkl�l� I��I�I��Illila�lll� p114111f III Your Annual Percentage Rate(APR)is the annual interest rate on your account. ry u 1 III'rPll ' I I al I 1 IV;. 111:11 :III 1111 1111 I I I ,:.:I. � 1 ,;:,:�: r,�.:,:: ::.,: .::,: 1111 ,,. �.. 1111.„., 1111 I Illl 7.. 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I L,�Ilal� ,. 1111. ,. 1111 I �. � I t. 11�1�11�.C��1:1N��III�u�ft�:I::M:1.�� 1:��1011:�hr�l�tlll��:i��1�1:1��11Gd111�11�1111911:�IIu11111alIIII�111 t:�:Ill^Nl�utia1111111�11111:IIIIG�I�11111111n 111�1�111116�11111n11�111111�9h1111�1u�111��11�k�111�hI�IN�I�1�1�:I��Nlll�lnl��l��lll��ll�.�lu��llUrI�I�11��Cn,d�1.�1111��I111N111�1!Ilf�llllll Type of Balance Annual Percentage Rate(APR) Balance Subject to Interest Rate Interest Charge PURCHASES 10002 29.99%(v) 6379 66 $9.36 CASH ADVANCES 20002 29.99°c(v) 6460.71 $11.36 BALANCE'TRANSFER 29.99%(v) $0.00 $000 41111 r=Variable Rate 1Gti{IpIIFV :,; I.,�:.:p u 1 rrl,: 91111 � ;r � I.:,I. :,�,.,:, 1.,^:::: I 11,11:., �: �,.. (II Ifs CHIP �ll. ! .1 r I �f II 1 : LL.1111 i:: VI. I. .11.1.,11 11 .1 1u,.,.l I:,.;:: I �,:.III., ,1111 11:::11 1111.�., ^. :. 11,11..,1111 .� I.. I, I:, ,. ,l,i 1111 l Ill dl. ,1,.,PL1� 1 it :1:, 1111...1,1„ 1111.1 I,1: 11 h..dl. n. I .,',111 I:, �1 11,1 ,111:1111 I: 111:1 1 1 j 1 11 L.do, I 111. .. : L. .I ..1�..1� N u.�.l,l,:.: �1,... :.1 .. . ��I�,,. ,. L..: .1 1:1.. ELI L.�:o�.1 l',,,,,„,1 1 I 11 I ul 1 11111 h :l 1111 ,1 , 111111:11 I L, 1 161 1 ,1 I,r 91 1 1 .I � ��. � 1 �.I �. .� I 1.�1.I �.. 1111 :1.� I�::J 1111..: :li�.: I k 1111 L. d . I �. 1 � � :1 ,i,. L[ :. 1111 I � q .��.. I 1111 � J 1111 � � �. ,� � . 11.1 1. i i. : .(III„� I,II:�:111.I. 1111 i�. .� 1111 1111 1111. Lh :,. .111 I i 1111 � �L. � � 1111. 1. . G��IIII�� :{X11.I�IIF::11d�u�111:NIII1I�IJI:II,1:I:III:1��1,III��I.�NII1111��IIIl:�1,1111EI:ILII�Mr� lldlll�ll11111tllllll!IIII�11k111111:811111411 I I I ll I : � 1 1,.12.., , I .1 I:I: 1: : I. a1 III ilJrIullLul111111111��::1u�11111111”:Ihl��ua�Iuu�Fl�l�:l�kl�:Il�tI111d�LII�111G�dLllualf�lu111�:�11�:�:��1u�611111:I�I1:1:11�Ip��1�1�,11.:I1G�hIIVV�1�11111f111111II11111:I:111110 Online Account Access lets you take control of your Account anytime,anywhere.Registration is easy,secure and waiting for you at go.orchardbank.com. 11020151 08 0000000508 G STMT07 D C 33452 ODSI r4arrie A. Brown, Esquire Robert N. Polas Jr, Esquire Mark R. Garvey, Esquire Attorney ID # 94055/201259/312686 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 Attorneys for Plaintiff / /3! 1;:114,JUil I 7 FVJTi4; 4/11/: ff,[E-3.RL 718'0 `4s IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD NORFOLK, VA 23502 Plaintiff V. MARK A BAHR 124 C ST CARLISLE PA 17013 No. 13-4951 CIVIL Defendant PRAECIPE TO DISCONTINUE To the Prothonotary: Please mark the above -entitled case as discontin 13-53455 without prejudice. fully Sub i ted, /././// fr/ obert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 Mark R. Garvey, Esquire PA Bar # 312686 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 TELE: 1-866-428-8102 FAX: (757) 518-0860 Attorneys for Plaintiff This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. iarrie A. Brown, Esquire Robert N. Polas Jr, Esquire Mark R. Garvey, Esquire Attorney ID # 94055/201259/312686 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD NORFOLK, VA 23502 Plaintiff V. MARK A BAHR 124 C ST CARLISLE PA 17013 Defendant : No. 13-4951 CIVIL CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Praecipe to Discontinue upon MARK A BAHR, by First Class Mail, Postage Pre -Paid, a copy thereof on this 2014, to: MARK A BAHR, 124 C S , CARL LE PA 17013 M///i111 13-53455 ay of Robert N. Polas, Jr., -Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 Mark R. Garvey, Esquire PA Bar # 312686 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 TELE: 1-866-428-8102 FAX: (757) 518-0860 Attorneys for Plaintiff This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.