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Supreme Coin . -o- . ; ennsylvania Coil rt:` f c46mO Pleas For Prothonotary Use Only: Civil'`' Over Sh4et Docket No: s sbq CMBR N�.. County The information collected on this form is itsed solely for court administration purposes. Tl is does not supplement or replace the filing and service of pleadings or other papers as required by law or rules of court. Commencement of Action: S xl Complaint 0 Writ of Summons 0 Petition Transfer from Another Jurisdiction 0 Declaration of Taking E Lead Plaintiff's Name: Lead Defendant's Name: C CACH,LLC DEBORAH MYERS T Dollar Amount Requested: !Xi within arbitration limits I Are money damages requested? Yes 0 No (check one) Ooutside arbitration limits O N Is this a Class Action Suit? 0 Yes ED No Is this an MDJAppeal? 0 Yes No A Name of Plaintiff /Appellant's Attorney: ALLAN C. SMITH, ESQ. P.C. 0 Check here if you have no attorney (are a Self - Represented (Pro Se] Litigant) Nature of the Case Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS 0 Intentional 0 Buyer Plaintiff Administrative Agencies 0 Malicious Prosecution 0 Debt Collection: Credit Card 0 Board of Assessment 0 Motor Vehicle 0 Debt Collection: Other 0 Board of Elections 0 Nuisance l Dept. of Transportation 0 Premises Liability Statutory Appeal: Other S 0 Product Liability (does not include 0 Employment Dispute: E mass tort) Discrimination 0 Slander/Libel/ Defamation 0 Employment Dispute: Other 0 Zoning Board C 0 Other: Other: T I 0 Other: O MASS TORT 0 Asbestos N 0 Tobacco 0 Toxic Tort - DES [3 Toxic Tort - Implant REAL PROPERTY MISCELLANEOUS 0 Toxic Waste 0 Ejectment 0 Common Law /Statutory Arbitration B 0 Other: 0 Eminent Domain /Condemnation 0 Declaratory Judgment Ground Rent © Mandamus 0 Landlord/Tenant Dispute ® Non- Domestic Relations 0 Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABLITY 0 Mortgage Foreclosure: Commercial 0 Quo Warranto 0 Dental 0 Partition 0 Replevin 0 Legal 0 Quiet Title 13 Other: 0 Medical 0 Other: 0 Other Professional: Updated 1/1/2011 NOTICE Pennsylvania Rule of Civil Procedure 205.5. (Cover Sheet) provides, in part: Rule 205.5. Cover Sheet (a)(1) This rule shall apply to all actions governed by the rules of civil procedure except the following: (i) actions pursuant to the Protection from Abuse Act, Rules 1901 et seq. (ii) actions for support, Rules 1910.1 et seq. (iii) actions for custody, partial custody and visitation of minor children, Rules 1915.1 et seq. �(iv) actions for divorce or a nnulme nt of marria Rules 1920.1 et seq. � (v) actions in domestic relations generally, including paternity actions, Rules 1930.1 et seq. (vi) voluntary mediation in custody actions, Rules 1940.1 et seq. (2) At the commencement of any action, the party initiating the action shall complete the cover sheet set forth in subdivision (e) and file it with the prothonotary. (b) The prothonotary shall not accept a filing commencing an action without a completed cover sheet. (c) The prothonotary shall assist a party appearing pro se in the completion of the form. (d) A judicial district which has implemented an electronic filing system pursuant to Rule 205.4 and has promulgated those procedures pursuant to Rule 239.9 shall be exempt from the provisions of this rule. (e) The Court Administrator of Pennsylvania, in conjunction with the Civil Procedural Rules Committee, shall design and publish the cover sheet. The latest version of the form shall be published on the website of the Administrative Office of Pennsylvania Courts at www.pacourts.us IN THE COURT OF COMMON PLEAS OF CUMBERLAND PENNSYLVANIA ANIA CACH, LLC .o . ` :2n CD C:) � vs. N o: 3 -ss� Cn DEBORAH L MYERS NOTICE TO DEFEND You have been sued in Court. If you wish to defendant against the claims set fourth in the following pages, you must take action within (20) days after the 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 fourth 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 claims or any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THIS 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 PENNSYLVANIA LAWYER REFERAL SERVICE 4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013. (717) 240 -6200 c 0e) Law Firm of Allan C. Smith, P.0 Attorney ID: 204756 1276 Veterans Highway Suite- E -1 Bristol, PA 19007 (888)275- 6399/(215) 428 -0666 Attorney for Plaintiff CACH, LLC ) COURT OF COMMON PLEAS 4340 SOUTH MONACO STREET 2ND ) CUMBERLAND COUNTY FLOOR DENVER, CO 80237 ) Plaintiff, ) VS. ) No.: DEBORAH L MYERS ) 2 GRAY PL ) MECHANICSBURG, PA 17055 ) COMPLAINT To: DEBORAH L MYERS 2 GRAY PL MECHANICSBURG, PA 17055 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 within twenty (20) days after this Complaint and Notice are served. By entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and the court without further notice may enter a judgment against you for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose property or other 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 LEGAL HELP. LAWYER REFERRAL SERVICE PENNSYLVANIA LAWYER REFERAL SERVICE 4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013. (717) 240 -6200 AVISO Le han dernandado a usted en is corte. Si usted quiere defenderse de estas demandas expuestas en las pagins siguientes. Usted tiene veinte (20) dias de plaza al partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia excrita o en persons o con abogado y entregar o sus objecciones a las demandas en contra de su persona. Se avisado que si usted no se defiende. La corta tomara medidas y puede continuar la demada en contra suya sin previo Avisa o notificion. Ademas la corte puede decidie a favor del demandante y requiere que usted compla con todas las provisions de esta demanda. Usted puede perder dinero o sus propiedas o otros derechos imporrantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSOAN O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. SERVICE DE REFERENCIA LEGAL PENNSYLVANIA LAWYER REFERAL SERVICE 4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013. (717) 240 -6200 a, Plaintiff, CACH, LLC, by its attorney Allan C. Smith, Esq., by way of complaint against Defendant DEBORAH L MYERS, avers the following: 1. Plaintiff, CACH, LLC, is a Colorado limited liability company doing business at 4340 South Monaco Street 2nd Floor, Denver, CO 80237. 2. Defendant, DEBORAH L MYERS, is an individual residing at 2 GRAY PL , MECHANICSBURG, PA 17055. 3. Plaintiff's cause of action is based upon a writing. <Exhibit C> 4. Defendant, DEBORAH L MYERS, was indebted to Citibank South Dakota, N.A. for a breach of a written contract by and between them in the amount of $11,324.82 which balance was due and unpaid as of October 11, 2011, for credit card account number 5121071742448206. <Exhibit A> 5. On or about November 17, 2011, Citibank South Dakota, N.A. sold the debt for good and valuable consideration to plaintiff, CACH, LLC <Exhibit B> 6. The Defendant, Deborah L Myers, last tendered a payment on May 5, 2011. 7. A copy of the credit card agreement is attached hereto. <Exhibit C> 8. Plaintiff is entitled to charge -off account finance charges of $0.00. <Exhibit A> 9. Plaintiff is entitled to pre - litigation charge -off interest of $0.0000 per day from the default date 0.000% annual percentage rate x $11,324.82 / 365 days) or $0.0000 x 600 days = $0.00; which is accrued interest through the date of filing. <Exhibit A> Plus an award of late fees 0.00, court costs $203.75 and reasonable attorneys fees as stated in the Cardholder Agreement attached hereto as <Exhibit C >. 10. The defendant, being indebted to the plaintiff upon the account by and between them did promise to pay said sums upon demand. Demand has been made for payment and the defendant has failed to remit payment. WHEREFORE, plaintiff demands judgment against the defendant for $12,728.57 which includes interest, court costs and a prayer to the court for reasonable attorney's fees in the amount of $ 1200.00 should this matter be contested or go to default judgment. Date: September 4, 2013 A an C. Smith, Esq. EXHIBIT A Sears MasterCard® Call us at 1- 800 - 669 -8488 Manage your account and pay your bill at www.searscard.com Write to us at PO Box 6282 Sioux Falls, SD 57117 -6282 DEBORAH L MYERS Account Number. 5121 0717 4244 8206 Payment Due Date Page 1 of 2 06/06/2011 S of Account Activi Mailed payments must be received by 5:00 PM at Summary Payment Information the address for payments by the payment due date Previous Balance $10,633.87 New Balance $10,416.87 Payments - $217.00 Minimum Payment Due $217.00 Other Credits $0.00 Payment Due Date 06/06/2011 Purchases $0.00 Late Payment Warning: Cash Advances $0.00 If we do not receive your minimum payment by the date listed above, Fees Charged $0.00 you may have to pay a late fee up to $35. Interest Charged $0.00 Minimum Payment Warning: New Balance $10,416.87 If you make only the minimum payment each period, you will pay more Past Due Amount $0.00 in interest and it will take you longer to pay off your balance. For example: Credit Limit $13,800.00 If you make nil addiitlonal You will pay off the Arid you w111 >; Available Credit $0.00 charges using this care! balance shown on t - is end up paying an Cash Advance Limit $50.00 and eaoh mon th you pay statement in about :<: estimated total 61.— Available Cash Limit $0.00 Only the minimum payment 4 years $10,417 Amount Over Credit Limit $0.00 Statement Closing Date 05/10/2011 $289 3 years $10,417 Days in Billing Cycle 32 (Savings= $0) If you would like information about credit counseling services, call 1 -877- 337 -8187 Transactions Trans Date Post Date Description Amount 05/05/11 05/05/11 PAY -BY -PHONE PAYMENT DEERFIELD IL - 217.00 Fees TOTAL FEES FOR THIS PERIOD 0.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD 0.00 2011 Totals Year-to -Date Total Fees Charged in 2011 $0.00 Total Interest Charged in 2011 $0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION This Account is Issued by Citibank (South Dakota), N.A. Please detach this portion and return with your payment to insure proper credit. Retain upper portion for your records. Sears MasterCard' Account Number. 5121 0717 4244 8206 Payment Minimum New Balance Due Date Payment Due Amount Enclosed $10,416.87 06/06/11 $217.00 0061895 E 05 B 11130 1 TXS503 FVG 001 7 N Ir. iris. nlrilllrl�il rrrrllr , llririrlin�llliil�i4ilhnu Make check payable to DEBORAH L MYERS SEARS CREDIT CARDS 2 GRAY PL PO BOX 183082 MECHANICSBURG PA 17055 -5650 COLUMBUS, OH 43218 -3082 Illl��llriilhliilll�rlilll��iiiillll��llliill�llrrll�lilirlrrlrl Please make address changes on reverse side. 100 5121071742448206 1041687 0021700 0021700 0516 information About Your Account. While we investigate whether or not there has been an error, the following How to Avoid Paying Interest on Purchases. Your payment due date is at are true: least 25 days after the dose of each billing cycle. We will not charge you any We cannot try to collect the amount in question, or report you as delinquent interest on purchases if you pay your New Balance by the payment due date on that amount. each month. This is called a grace period on purchases. If you do not pay the The charge in question may remain on your statement, and we may New Balance in full by the payment due date, you will not get a grace period continue to charge you interest on that amount. But, if we determine that on purchases until you pay the New Balance in full for two billing cycles in a we made a mistake, you will not have to pay the amount in question or any row. We Oil begin charging interest on cash advances and balance transfers interest or other fees related to that amount (if available on your account) on the transaction date. While you do not have to pay the amount in question, you are responsible If you have a balance subject to a deferred interest promotion and that for the remainder of your balance. promotion does not expire before the payment due date, that balance (the We can apply any unpaid amount against your credit limit. ' promotional balance') is excluded from the amount you must pay in Your Rights if You Are Dissatisfied With Your Credit Card Purchases full to get a grace period. However, you must still pay any separately required payment on the excluded promotion In billing cycles in which payments are If you are dissatisfied with the goods or services that you have purchased allocated to deferred interest balances first, the deferred interest balance will be with your credit card, and you have tried in good faith to correct the problem reduced before any other balance on the account. However, you will continue to with the merchant, you may have the right not to pay the remaining amount get a grace period on purchases so long as you pay the New Balance less any due on the purchase. excluded promotional balances in full by the payment due date each billing cycle. To use this right, all of the following must be true: In addition, certain promotional offers may take away the grace period on 1. The purchase must have been made in your home state or within 100 miles purchases. Other promotional offers not described above may also allow you of your current mailing address, and the purchase price must have been to have a grace period on purchases without having to pay all or a portion of more than $50. (Note: Neither of these are necessary if your purchase was the promotional balance by the payment due date. If either is the case, the based on an advertisement we mailed to you, or if we own the company promotional offer will describe what happens. that sold you the goods or services.) How We Calculate Your Balance Subject to Interest Rate. We use a daily 2. You must have used your credit card for the purchase Purchases made balance method (including current transactions) to calculate interest charges. with cash advances from an ATM or with a check that accesses your credit To find out more information about the balance computation method and card account do not qualify. how the resulting interest charges were determined, contact us at the "Call 3. You must not yet have fully paid for the purchase. us at" number on the front. If all of the criteria above are met and you are still dissatisfied with the Balance Transfers, Balance transfer amounts are included in the purchase, contact us in writin at the address shown on the front where it "Purchases" line in the Summary of Account Activity (if balance transfers are says "Write to us at" available on your account). While we investigate, the same rules apply to the disputed amount as Transaction Date. The Transaction Date shown on the statement is also the discussed above. After we finish our investigation, we will tell you our Sale Date. decision. At that point, if we think you owe an amount and you do not pay we Credit Reporting Disputes. If you think we reported inaccurate information may report you as delinquent. to a credit bureau write us at "Write to us at" address shown on the front Important Payment Instructions. Report a Lost or Stolen Card Immediately. Call the "Call us at" number Crediting Payments. If we receive your payment in proper form at our shown on the front. processing facility by 5 p.m. local time there, it will be credited as of that day. What To Do if You Think You Find a Mistake on Your Statement A payment received there in proper form after that time will be credited as of If you think there is an error on your statement, write to us at the address the next day. Allow 5 to 7 days for payments by regular mail to reach us. There V may be a delay of up to 5 days in crediting a payment we receive that is not in shown on the front where it says "Write to us at' proper form or is not sent to the correct address The correct address for In your letter, give us the following information: regular mail is the address on the front of the payment coupon. A payment Account information Your name and account number. made in-store is not sent to the correct address The correct address for Dollar amount The dollar amount of the suspected error. courier or express mail is the Express Payments Address shown below. Description of Problem If you think there is an error on your bill, describe Proper Form. For a payment sent by mail or courier to be in proper form, what you believe is wrong and why you believe it is a mistake. you must You must contact us within 60 days after the error appeared on your statement. Enclose a valid check or money order. No cash, gift cards, or foreign You must notify us of any potential errors in writing. You may call us, but if currency please. you do we are not required to investigate any potential errors and you may Include your name and account number on the front of your check or have to pay the amount in question. money order. SMC /TGI /SCC /SCP /HIPS 01/11 01EM6057 - 1 - 02/25/2011 If you send an eligible check with this payment coupon, you authorize us to complete your payment by electronic debit. If we do, the checking account will be debited in the amount on the check. We may do this as soon as the day we receive the check. Also, the check will be destroyed. Copy Fee. We charge $3 for each copy of a billing statement that dates back 3 months or more We add the fee to the regular purchase balance We waive the fee if your request for the copy relates to a billing error or disputed purchase. Payment Options Other Than Regular Mail. New Address Online Payments. Visit www.SearsCard.com and sign up for online payments. Enrollment may take a few days If we receive your request to make an online If your address has changed, please print any changes payment by 5 p.m. Eastern time, we will credit your payment as of that day. If below. we receive your request to make an online payment after that time, we will credit your payment as of the next day. For security reasons, you may be unable to pay your entire New Balance with your first online payment Name: Pay by Phone Service. You may use this service any time to make a payment by phone. You will be charged $14.95 if a representative of ours helps expedite your payment. Call by 5 p.m. Eastern time to have your payment credited as of that day. If you call after that time, your payment will Street Address: be credited as of the next day. We may process your payment electronically after we verify your identity. Express Payments. You can send payment by courier or express mail to the City, State, Zip: Express Payments Address This address is: Payments Department, 1500 Boltonfield Street, Columbus, OH 43228. Payment must be received In proper form at the proper address by 5 p.m. Eastern time to be credited as of that phone: day. All payments received in proper form at the proper address after that time will be credited as of the next day. SMC /TGI /SCC /SCP /HIPS 01/11 Sears MasterCard® Call us at 1 -800 -669 -8486 Manage your account and pay your bill at www.searscard.com Write to us at PO Box 6282 Sioux Falls, SD 57117 -6282 DEBORAH L MYERS Account Number. XXXX XXXX XXXX 8206 Payment Due Date Page 2 of 2 61895 06/0612011 Interest Charge Calculation Your Annual Percentage Rate APR is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge PURCHASES Regular 0.00% (d) $0.00 $0.00 CASH ADVANCES Regular 0.00% (d) $0.00 $0.00 (v) = Variable Rate (d) = Daily (m) = Monthly Sears MasterCard® Call us at 1- 800 - 669 -8488 Manage your account and pay your bill at www.searscard.com Write to us at PO Box 6282 Sioux Falls, SD 57117 -6282 DEBORAH L MYERS Account Number. 5121 0717 4244 8206 Payment Due Date Page 1 of 2 07/0612011 of Account Activit Mailed payments must be received by 5:00 PM at Summary Payment Information the address for payments by the payment due date Previous Balance $10,416.87 New Balance $10,416.87 Payments $0.00 Minimum Payment Due $434.00 Other Credits $0.00 Payment Due Date 07/06/2011 Purchases $0.00 Late Payment Warning: Cash Advances $0.00 if we do not receive your minimum payment by the date listed above, Fees Charged $0.00 you may have to pay a late fee up to $35. Interest Charged $0.00 Minimum Payment Warning: New Balance $10,416.87 If you make only the minimum payment each period, you will pay more Past Due Amount $217.00 in interest and it will take you longer to pay off your balance. For example: Credit Limit $13,800.00 If you make no adcfihonal You Will pay off the And you wjlG Available Credit $0.00 charges using is par balance shown on this en, :up paying an; Cash Advance Limit $50.00 and each month you pay statement in about estimated total ;of . Available Cash Limit $0.00 Only the minimum payment 4 years $10,417 Amount Over Credit Limit $0.00 Statement Closing Date 06/09/2011 $289 3 years $10,417 Days in Billing Cycle 30 (Savings= $0) If you would like information about credit counseling services, call 1- 877- 337 -8188 Transactions Trans Date Post Date Description Amount Fees TOTAL FEES FOR THIS PERIOD 0.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD 0.00 2011 Totals Year--to-Date Total Fees Charged in 2011 $0.00 Total Interest Charged in 2011 $0.00 THE MINIMUM PAYMENT DUE SHOWN ABOVE INCLUDES A PAST DUE AMOUNT. YOU SHOULD SEND THE ENTIRE MINIMUM PAYMENT DUE NOW. IF PAYMENT HAS BEEN MADE RECENTLY, THANK YOU. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION This Account is Issued by Citibank (South Dakota), N.A. Please detach this portion and return with your payment to insure proper credit. Retain upper portion for your records. Sears MasterCard Account Number. 5121 0717 4244 8206 Payment Minimum Amount Enclosed New Balance Due Date Payment Due $10,416.87 07/06/11 $434.00 s 0069886 ED 05 B 11160 1 TXS503 FVG 001 7 N II'I'I�II��'' 11 II" I���Il 'Illl�ll Make check payable to DEBORAH L MYERS SEARS CREDIT CARDS 2 GRAY PL PO BOX 183082 MECHANICSBURG PA 17055 -5650 COLUMBUS, OH 43218 -3082 Please make address changes on reverse side. 100 5121071742448206 1041687 0043400 0000000 0518 Information About Your Account. While we investigate whether or not there has been an error, the following How to Avoid Paying Interest on Purchases. Your payment due date is at are true: least 25 days after the close of each billing cycle. We will not charge you any We cannot try to collect the amount in question, or report you as delinquent interest on purchases if you pay your New Balance by the payment due date on that amount. each month. This is called a grace period on purchases. If you do not pay the The charge in question may remain on your statement, and we may New Balance in full by the payment due date, you will not get a grace period continue to charge you interest on that amount. But, if we determine that on purchases until you pay the New Balance in full for two billing cycles in a we made a mistake, you will not have to pay the amount in question or any row. We will begin charging interest on cash advances and balance transfers interest or other fees related to that amount (if available on your account) on the transaction date. While you do not have to pay the amount in question, you are responsible If you have a balance subject to a deferred interest promotion and that for the remainder of your balance. promotion does not expire before the payment due date, that balance (the We can apply any unpaid amount against your credit limit ' promotional balance') is excluded from the amount you must pay in Your Rights if You Are Dissatisfied with Your Credit Card Purchases full to get a grace period. However, you must still pay any separately required payment on the excluded promotion In billing cycles in which payments are If you are dissatisfied with the goods or services that you have purchased allocated to deferred interest balances first, the deferred interest balance will be with your credit card, and you have tried in good faith to correct the problem reduced before any other balance on the account. However, you will continue to with the merchant, you may have the right not to pay the remaining amount get a grace period on purchases so long as you pay the New Balance less any due on the purchase. excluded promotional balances in full by the payment due date each billing cycle. To use this right, all of the following must be true: In addition, certain promotional offers may take away the grace period on 1. The purchase must have been made in your home state or within 100 miles purchases. Other promotional offers not described above may also allow you of your current mailing address, and the purchase price must have been to have a grace period on purchases without having to pay all or a portion of more than $50. (Note: Neither of these are necessary 9 your purchase was the promotional balance by the payment due date. If either is the case, the based on an advertisement we mailed to you, or if we own the company promotional offer will describe what happens. that sold you the goods or services.) How We Calculate Your Balance Subject to Interest Rate. We use a daily 2. You must have used your credit card for the purchase. Purchases made balance method (including current transactions) to calculate interest charges. with cash advances from an ATM or with a check that accesses your credit To find out more information about the balance computation method and card account do not qualify. how the resulting interest charges were determined, contact us at the "Cali 3. You must not yet have fully paid for the purchase. us at" number on the front. If all of the criteria above are met and you are still dissatisfied with the Balance Transfers. Balance transfer amounts are included in the purchase, contact us in writing at the address shown on the front where it "Purchases" line in the Summary of Account Activity (if balance transfers are says "Write to us at" available on your account). While we investigate, the same rules apply to the disputed amount as Transaction Date. The Transaction Date shown on the statement is also the discussed above. After we finish our investigation, we will tell you our Sale Date. decision. At that point if we think you owe an amount and you do not pay we Credit Reporting Disputes. If you think we reported inaccurate information may report you as delinquent. to a credit bureau write us at "Write to us at" address shown on the front Important Payment Instructions. Report a Lost or Stolen Card Immediately. Call the "Call us at" number Crediting Payments If we receive your payment in proper form at our shown on the front. processing facility by 5 p.m. local time there, it will be credited as of that day. What To Do if You Think You Find a Mistake on Your Statement A payment received there in proper form after that time will be credited as of If you think there is an error on your statement, write to us at the address the next day. Allow 5 to 1 days for payments by regular mail to reach us. There V may be a delay of up to 5 days in crediting a payment we receive that is not in shown on the front where it says "Write to us at" proper form or is not sent to the correct address The correct address for In your letter, give us the following information: regular mail is the address on the front of the payment coupon. A payment Account information Your name and account number. made nn -store is not sent to the correct address. The correct address for Dollar amount The dollar amount of the suspected error. courier or express mail is the Express Payments Address shown below. Description of Problem If you think there is an error on your bill, describe Proper Form. For a payment sent by mail or courier to be in proper form, what you believe is wrong and why you believe it is a mistake. you must You must contact us within 60 days after the error appeared on your statement. Enclose a valid check or money order. No cash, gift cards, or foreign You must notify us of any potential errors in writing. You may call us, but if currency please. you do we are not required to investigate any potential errors and you may Include your name and account number on the front of your check or have to pay the amount in question. money order. SMC /TGI /SCC /SCP /HIPS 01/11 OIEM6057 -1- 02/25/2011 If you send an eligible check with this payment coupon, you authorize us to complete your payment by electronic debit. If we do, the checking account will be debited In the amount on the check. We may do this as soon as the day we receive the check. Also, the check will be destroyed. Copy Fee. We charge $3 for each copy of a billing statement that dates back 3 months or more. We add the fee to the regular purchase balance. We waive the fee if your request for the copy relates to a billing error or disputed purchase. Payment options other Than Regular Mail. New Address Online Payments. Visit www.SearsCard.com and sign up for online payments. Enrollment may take a few days If we receive your request to make an online If your address has changed, please print any changes payment by 5 p.m. Eastern time, we will credit your payment as of that day. If below. we receive your request to make an online payment after that time, we will credit your payment as of the next day. For security reasons, you may be unable to pay your entire New Balance with your first online payment Name: Pay by Phone Service. You may use this service any time to make a payment by phone. You will be charged $14.95 if a representative of ours helps expedite your payment. Call by 5 p.m. Eastern time to have your payment credited as of that day. If you call after that time, your payment will Street Address: be credited as of the next day. We may process your payment electronically after we verify your identity. Express Payments. You can send payment by courier or express mail to the City, State, Zip: Express Payments Address This address is: Payments Department, 1500 Boltonfield Street, Columbus, OH 43228. Payment must be received in proper form at the proper address by 5 p.m. Eastern time to be credited as of that phone: day. All payments received in proper form at the proper address after that time will be credited as of the next day. SMC /TGI /SCC /SCP /HIPs 01/11 Sears MasterCard® Call us at 1 -800 -669 -8488 Manage your account and pay your bill at www.searscard.com Write to us at PO Box 6282 Sioux Falls, SD 57117 -6282 DEBORAH L MYERS Account Number. XXXX XXXX XXXX 8206 Payment Due Date Page 2 of 2 698e6 07/06/2011 Interest Charge Calculation Your Annual Percentage Rate APR is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge PURCHASES Regular 0.00% (d) $0.00 $0.00 CASH ADVANCES Regular 0.00% (d) $0.00 $0.00 (v) = Variable Rate (d) = Daily (m) = Monthly Spring is about change. So let us help you take a new look at bringing your account current. This spring is a good time to take care of your past due amount. And the good news is, you don't have to do it alone. We're here to help with payment programs and solutions for you to consider. We'll listen to your concerns and suggest ways you can make a change for the better. Let us work with you, and together we can find a payment solution that may help bring your account current and avoid future late fees. » Call us today at 1-866-518-9049 so we can help you make a change this spring. Account Statement Send Notice of Billing Errors and Customer Service Inquiries to: Customer Service SEARS CREDIT CARDS sears searscard.com PO Box 6282 Sioux Falls SD 57117-6282 Sears MasterCard Account Inquiries: 1 -800- 669 -8488 dCOUnt N. [Ultbefi - 5129 0777 4244.8206.' Summary of Account Activity Payment Information Previous Balance $10,708.29 New Balance $11,008.24 - Payments -$0.00 Minimum Payment Due $1,461.37 Other Credits -$0.00 Payment Due Date October 6, 2011 Purchases +$0.00 Cash Advances +$0.00 Late Payment Warning: If we do not receive your minimum payment by the Fees Charged +$35.00 date listed above, you may have to pay a late fee up to $35. Interest Charged +$264.95 Minimum Payment Warning: If you make only the minimum payment each New Balance $11,008.24 period, you will pay more in interest and it will take you longer to pay off your balance. For example: Past Due Amount $1,050.42 if you frlaka no additfcirial 1COtr will pay off the And you will charges using this card balance shown on this encf.up payuig an Credit Limit 0.00 and each month you pay; statement in about estlrYteted total of :. . Available Credit $0.00 Only the minimum payment 32 years $34,063 Cash Advance Limit $ 0.00 $16,7ss Available Cash Limit 0.00 $466 3 years (Savings = 517,297) Amount Over Credit Limit $0.00 Statement Closing Date 09/09/2011 If you would like information about credit counseling services, tali 1 -877- 337 -8188. Next Statement Closing Date 10/10/2011 Days in Billing Cycle 30 Your account is seriously past due. Amount past due is shown above. Arrangements for future payments should be made immediately. TRANSACTIONS Trans Date Description Reference # Amount FEES 09/06 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD $ 35.00 Things happen and sometimes you can get behind on your account. That's when we can help. Life is unpredictable and sometimes, even with the best intentions, you can get behind on your account. We understand that and want you to know that we are here to assist you in bringing your account up to date. We're here to help with solutions for you to consider. Let us work with you to find a solution that may help you bring your account current. Call 1- 866-518 -9054 today. 8ME5 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Page 1 of 4 This Account is Issued by Citibank, N.A. ----------------------------------------------------------------------------------------------------------------------------- + Please detach this portion and return with your payment to insure proper credit. Retain upper portion for your records. 4' Make Checks Payable to: Sears MasterCard SEARS CREDIT CARDS t Past Due Amount is included in the Minimum Payment Due. YourAccoun Number ;:: Payment Due Date New Balance Past Due Amountt Minimum Payment Due Amount Enclosed 5171071,4244 8206'. OCTOBER 6, 2011 $11,008.24 $1,050.42 $1,461.37 $ SAVE STAMPS TIME... AND TREES! V isit Account Online and register now for Online Bill Pay, � Paperless Statements and More. 021 5121071742448206 1100824 0146137 0021700 051 000 7 SEARS CREDIT CARDS PO BOX 183082 DEBORAH L MYERS COLUMBUS, OH 43218 -3082 2 GRAY PL MECHANICSBURG, PA 17055 -5650 Print address changes above in blue or black ink. Information About Your Account. You must notify us of any potential errors in writing. You may call us, but if How to Avoid Paying Interest on Purchases. Your payment due date is at you do we are not required to investigate any potential errors and you may least 25 days after the close of each billing cycle. We will not charge you any have to pay the amount in question. , interest on purchases if you pay your New Balance by the payment due date While we investigate whether or not there has been an error, the following each month. This is called a grace period on purchases. If you do not pay the are true: New Balance in full by the payment due date, you will not get a grace period We cannot try to collect the amount in question, or report you as on purchases until you pay the New Balance in full for two billing cycles in a delinquent on that amount. row. We will begin charging interest on cash advances and balance transfers The charge in question may remain on your statement, and we may (if available on your account) on the transaction date. continue to charge you interest on that amount. But, if we determine that If you have a balance subject to a deferred interest promotion and that we made a mistake, you will not have to pay the amount in question or any promotion does not expire before the payment due date, that balance (the interest or other fees related to that amount. "excluded promotional balance ") is excluded from the amount you must pay While you do not have to pay the amount in question, you are responsible in full to get a grace period. However, you must still pay any separately for the remainder of your balance. required payment on the excluded promotion. In billing cycles in which We can apply any unpaid amount against your credit limit. payments are allocated to deferred interest balances first, the deferred interest balance will be reduced before any other balance on the account. Your Rights if You Are Dissatisfied With Your Credit Card Purchases However, you will continue to get a grace period on purchases so long as you If you are dissatisfied with the goods or services that you have purchased pay the New Balance less any excluded promotional balances in full by the with your credit card, and you have tried in good faith to correct the problem payment due date each billing cycle. with the merchant, you may have the right not to pay the remaining amount In addition, certain promotional offers may take away the grace period on due on the purchase. purchases. Other promotional offers not described above may also allow you To use this right, all of the following must be true: to have a grace period on purchases without having to pay all or a portion of 1. The purchase must have been made in your home state or within 100 the promotional balance by the payment due date. If either is the case, the miles of your current mailing address, and the purchase price must have promotional offer will describe what happens. been more than $50. (Note: Neither of these are necessary if your How We Calculate Your Balance Subject to Interest Rate. We use a daily purchase was based on an advertisement we mailed to you, or if we own balance method (including current transactions) to calculate interest the company that sold you the goods or services.) charges. To find out more information about the balance computation 2. You must have used your credit card for the purchase. Purchases made method and how the resulting interest charges were determined, contact us with cash advances from an ATM or with a check that accesses your credit at the Account Inquiries number on the front. card account do not qualify. Balance Transfers. Balance transfer amounts are included in the 3. You must not yet have fully paid for the purchase. "Purchases" line in the Summary of Account Activity (if balance transfers are If all of the criteria above are met and you are still dissatisfied with the available on your account). purchase, contact us in writing at the Billing Errors address shown on the Transaction Date. The Transaction Date shown on the statement is also the front. Sale Date. While we investigate, the same rules apply to the disputed amount as Credit Reporting Disputes. If you think we reported inaccurate information discussed above. After we finish our investigation, we will tell you our t decision. At that point, if we think you owe an amount and you do not pay o a credit bureau write us at the Customer Service address shown on the we may report you as delinquent. front. Report a Lost or Stolen Card Immediately. Call the Account Inquiries Important Payment Instructions. number shown on the front. Crediting Payments. If we receive your payment in proper form at our What To Do if You Think You Find a Mistake on Your Statement processing facility by 5 p.m. local time there, it will be credited as of that day. A payment received there in proper form after that time will be credited as If you think there is an error on your statement, write to us at the Billing of the next day- Allow 5 to 7 days for payments by regular mail to reach us. Errors address shown on the front. There may be a delay of up to 5 days in crediting a payment we receive that In your letter, give us the following information: is not in proper form or is not sent to the correct address. The correct • Account information Your name and account number. address for regular mail is the address on the front of the payment coupon. Dollar amount The dollar amount of the suspected error. A payment made in-store is not sent to the correct address. The correct • Description of Problem If you think there is an error on your bill, address for courier or express mail is the Express Payments Address shown describe what you believe is wrong and why you believe it is a mistake. below. You must contact us within 60 days after the error appeared on your EM SMC /TGIJSCC /SCP /HIPs08/1l statement. T01206- 1238 -5300-0006- 9- E -90-D- 06/01/88- 94-- 8 -0--4- 402 -0-0 -- 04/30/11 -GAK % August 10, 2011 -V Proper Form. For a payment sent by mail or courier to be in proper form, Pay by Phone Service. You may use this service any time to make a you must: payment by phone. You will be charged $14.95 if a representative of ours Enclose a valid check or money order. No cash, gift cards, or foreign helps expedite your payment. Call by 5 p.m. Eastern time to have your currency please. payment credited as of that day. If you call after that time, your payment Include your name and account number on the front of your check or will be credited as of the next day. We may process your payment money order, electronically after we verify your identity. If you send an eligible check with this payment coupon, you authorize us Express Payments. You can send payment by courier or express mail to to complete your payment by electronic debit. If we do, the checking the Express Payments Address. This address is: Payments Department, account will be debited in the amount on the check. We may do this as 1500 Boltonfield Street, Columbus, OH 43228. Payment must be received soon as the day we receive the check. Also, the check will be destroyed. in proper form at the proper address by 5 p.m. Eastern time to be credited Copy Fee. We charge $3 for each copy of a billing statement that dates back as of that day. All payments received in proper form at the proper address 3 months or more. We add the fee to the regular purchase balance- We waive after that time will be credited as of the next day. the fee if your request for the copy relates to a billing error or disputed purchase. Payment Options Other Than Regular Mail. Online Payments. Visit the web address on the front and sign up for online payments. Enrollment may take a few days. If we receive your request to make an online payment by 5 p.m. Eastern time, we will credit your payment as of that day. If we receive your request to make an online payment after that time, we will credit your payment as of the next day. For security reasons, you may be unable to pay your entire New Balance with your first online payment. Page 2 of 4 Account: *"' ** * * ** * *'* 8206 TRANSACTIONS (cont. Trans Date Description Reference # Amount INTEREST CHARGED 09/09 INTEREST CHARGE ON PURCHASES $ 194.22 09109 INTEREST CHARGE ON CASH ADVANCES $ 70.73 TOTAL INTEREST FOR THIS PERIOD $ 264.96 2011',�1'atals- Year=fo Date .........:...:..... Total Fees Charged In 2011 $60.00 Total Interest Charged in 2011 $531.37 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. 7'yp� df;$atanCe" :, , '; . �` , . Annual,.Fereentag� Ra #� tAPR� _ .; Bafahee;,SUt�ect;;ta irit�est Rite, :' . In#�re8l Gtiarga ;_; PURCHASES REGULAR 29.74%(D) $7,946.15 $194.22 CASH ADVANCES REGULAR 29.74% D $2,894.25 $70.73 D = Dai Page 3 of 4 Account Statement Send Notice of Billing Errors and Customer Service Inquiries to: Customer Service SEARS CREDIT CARDS sears PO Box 6282 Sioux Falls SD 67117 6282 Sears MasterCardw 6 searscard.com Account Inquiries: Account Ntutiber` =5121 Q717 4244,8208 1- 800 - 669 -8488 Summary of Account Activity Payment Information Previous Balance $11,008.24 New Balance $11.324.82 - Payments -$0.00 Minimum Payment Due $1 Other Credits -$0.00 Payment Due Date November 6, 2011 Purchases +$0.00 Cash Advances +$0.00 Late Payment Warning: If we do not receive your minimum payment by the Fees Charg Advances +$35.00 date listed above, you may have to pay a late fee up to $35. Interest Charg +$281.58 Minimum Payment Warning: If you make only the minimum payment each New Balance $11,324.82 period, you will pay more in interest and it will take you longer to pay off your balance. For example: Past Due Amount $1,461.37 1f you rnake noadditlanal You will pay 6ff Uie And you witf cnar.�es using this card balance spawn on #F#1s end:up pey'b9 � Credit Limit 0.00 and each [Ytorith you pay; statement ip about' ; estimated total at . :... .. . Available Credit $0.00 Only the minimum payment 32 years $34,117 Cash Advance Limit 0.00 $17 246 Available Cash Limit 0.00 $479 3years (Savings = $16,869) Amount Over Credit Limit 0.00 Statement Closing Date 10/10/201 1 If you would like Information about credit counseling services, call 1- 877 - 337 -8188. Next Statement Closing Date 11/09/2 0 11 Days in Billing Cycle 31 Your account is seriously past due. Amount past due is shown above. Arrangements for future payments should be made immediately. You may pay all or part of your account balance at any time. However, you must pay, by the payment due date, at least the minimum payment due. TRANSACTIONS Trans Date Description Reference # Amount FEES $ 35.00 10/06 LATE FEE TOTAL FEES FOR THIS PERIOD $ 35.00 It's amazing how much brighter the season can be when your past due amount is behind you. Taking care of your past due amount now can help you enjoy the season. Bringing your account current helps you avoid future late fees. Having an up to date account will help brighten your season. So call us today at 1- 866 -651 -0486. We're here to help you. 8ME5 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION - - - - - -- Page 1 of 4---------------------- - - - - -- -This Account is Issued by Citibank, N.A. --------------------------- ---------------- -- - - -- --------------------------- + Please detach this portion and return with your payment to insure proper credit. Retain upper portion for your records. Make Checks Payable to: Sears MasterCard SEARS CREDIT CARDS t Past Due Amount is included in the Minimum Payment Due. Your.:Account Number `:; Payment Due Date New Balance Past Due Amountt Minimum Payment Due Amount Enc o 5121071? 42448206;::` NOVEMBER 6, 2011 $11,324.82 $1,461.37 $1,891.95 $ SAVE STAMPS TIME... AND TREES! Visit Account Online and register now for Online BIII Pay, � Paperless Statements and More. 021 5121071742448206 1132482 0189195 0021700 051 000 9 SEARS CREDIT CARDS PO BOX 183082 DEBORAH L MYERS COLUMBUS, OH 43218 -3082 2 GRAY PL MECHANICSBURG, PA 17055 -5650 Print address changes above in blue or black ink. Informatibn About Your Account. You must notify us of any potential errors in writing. You may call us, but if How to Avoid Paying Interest on Purchases. Your payment due date is at you do we are not required to investigate any potential errors and you may least 25 days after the close of each billing cycle. We will not charge you any have to pay the amount in question. interest on purchases if you pay your New Balance by the payment due date While we investigate whether or not there has been an error, the following each month. This is called a grace period on purchases. If you do not pay the are true: New Balance in full by the payment due date, you will not get a grace period We cannot try to collect the amount in question, or report you as on purchases until you pay the New Balance in full for two billing cycles in a delinquent on that amount. row. We will begin charging interest on cash advances and balance transfers The charge in question may remain on your statement, and we may (if available on your account) on the transaction date. continue to charge you interest on that amount. But, if we determine that If you have a balance subject to a deferred interest promotion and that we made a mistake, you will not have to pay the amount in question or any promotion does not expire before the payment due date, that balance (the interest or other fees related to that amount. "excluded promotional balance ") is excluded from the amount you must pay While you do not have to pay the amount in question, you are responsible in full to get a grace period. However, you must still pay any separately for the remainder of your balance. required payment on the excluded promotion. In billing cycles in which We can apply any unpaid amount against your credit limit. payments are allocated to deferred interest balances first, the deferred interest balance will be reduced before any other balance on the account. Your Rights if You Are Dissatisfied With Your Credit Card Purchases However, you will continue to get a grace period on purchases so long as you If you are dissatisfied with the goods or services that you have purchased pay the New Balance less any excluded promotional balances in full by the with your credit card, and you have tried in good faith to correct the problem payment due date each billing cycle. with the merchant, you may have the right not to pay the remaining amount In addition, certain promotional offers may take away the grace period on due on the purchase. purchases. Other promotional offers not described above may also allow you To use this right, all of the following must be true: to have a grace period on purchases without having to pay all or a portion of 1. The purchase must have been made in your home state or within 100 the promotional balance by the payment due date. If either is the case, the miles of your current mailing address, and the purchase price must have promotional offer will describe what happens. been more than $50. (Note: Neither of these are necessary if your How We Calculate Your Balance Subject to Interest Rate. We use a daily purchase was based on an advertisement we mailed to you, or if we own balance method (including current transactions) to calculate interest the company that sold you the goods or services.) charges. To find out more information about the balance computation 2. You must have used your credit card for the purchase. Purchases made method and how the resulting interest charges were determined, contact us with cash advances from an ATM or with a check that accesses your credit at the Account Inquiries number on the front. card account do not qualify. Balance Transfers. Balance transfer amounts are included in the 3. You must not yet have fully paid for the purchase. "Purchases" line in the Summary of Account Activity (if balance transfers are If all of the criteria above are met and you are still dissatisfied with the available on your account). purchase, contact us in writing at the Billing Errors address shown on the Transaction Date. The Transaction Date shown on the statement is also the front. Sale Date. While we investigate, the same rules apply to the disputed amount as Credit Reporting Disputes. If you think we reported inaccurate information discussed above. After we finish our investigation, we will tell you our t decision. At that point, if we think you owe an amount and you do not pay o a credit bureau write us at the Customer Service address shown on the we may report you as delinquent. front. Report a Lost or Stolen Card Immediately. Call the Account Inquiries Important Payment Instructions. number shown on the front. Crediting Payments. If we receive your payment in proper form at our What To Do if You Think You Find a Mistake on Your Statement processing facility by 5 p.m. local time there, it will be credited as of that day. A payment received there in proper form after that time will be credited as If you think there is an error on your statement, write to us at the Billing of the next day. Allow 5 to 7 days for payments by regular mail to reach us. Errors address shown on the front. There may be a delay of up to 5 days in crediting a payment we receive that In your letter, give us the following information: is not in proper form or is not sent to the correct address. The correct • Account information Your name and account number. address for regular mail is the address on the front of the payment coupon. Dollar amount The dollar amount of the suspected error. A payment made in -store is not sent to the correct address. The correct • Description of Problem If you think there is an error on your bill, address for courier or express mail is the Express Payments Address shown describe what you believe is wrong and why you believe it is a mistake. below. You must contact us within 60 days after the error appeared on your statement. EM SMC /TGI /SCC /SCP /HIPS 08/11 T01206- 1238- 5300 - 0006.9- E -90 -D- 06/01/88.94- -M - -5- 402 -0 -0 -- 04/30 /i t- GAKI/,September 9, 2011 -V Proper Form. For a payment sent by mail or courier to be in proper form, Pay by Phone Service. You may use this service any time to make a you must: payment by phone. You will be charged $14.95 if a representative of ours Enclose a valid check or money order. No cash, gift cards, or foreign helps expedite your payment. Call by 5 p.m. Eastern time to have your currency please. payment credited as of that day. If you call after that time, your payment Include your name and account number on the front of your check or will be credited as of the next day. We may process your payment money order. electronically after we verify your identity. If you send an eligible check with this payment coupon, you authorize us Express Payments. You can send payment by courier or express mail to to complete your payment by electronic debit. If we do, the checking the Express Payments Address. This address is: Payments Department, account will be debited in the amount on the check. We may do this as 1500 Boltonfield Street, Columbus, OH 43228. Payment must be received soon as the day we receive the check. Also, the check will be destroyed. in proper form at the proper address by 5 p.m. Eastern time to be credited Copy Fee. We charge $3 for each copy of a billing statement that dates back as of that day. All payments received in proper form at the proper address 3 months or more. We add the fee to the regular purchase balance. We waive after that time will be credited as of the next day. the fee if your request for the copy relates to a billing error or disputed purchase. Payment Options Other Than Regular Mail. Online Payments. Visit the web address on the front and sign up for online payments. Enrollment may take a few days. If we receive your request to make an online payment by 5 p.m. Eastern time, we will credit your payment as of that day. If we receive your request to make an online payment after that time, we will credit your payment as of the next day. For security reasons, you may be unable to pay your entire New Balance with your first online payment. Page 2 of 4 Account: * *'`" ""'`* *'`"* 8206 TRANSACTIONS (cont. Trans Date Description Reference # Amount INTEREST CHARGED 10/10 INTEREST CHARGE ON PURCHASES $ 206.64 10 /10 INTEREST CHARGE ON CASH ADVANCES $ 74.94 TOTAL INTEREST FOR THIS PERIOD $ 281.68 2017rT+�tals'Ye�f� -to Date Total Fees Charged in 2011 $95.00 Total Interest Charged in 2011 $812.95 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. `Gyp+waf;Balan+de;` Annual Pefcetitage Rath (APR) ,,;; Batahce.;Subject>fattitareat Rite._: Ir)tf+t etarge ` PURCHASES REGULAR 29.74 D $8182.42 $206.64 CASH ADVANCES REGULAR 29.74 D $2 $74.94 D = Dai Page 3 of 4 EXHIBIT B CERTIFICATE OF PURCHASE ANGELICA MARTINEZ hereby depose and state that: 1. 1 am an Authorized Agent of CACH, LLC, a Colorado Limited Liability Company. 2. As such, I am authorized to give this Certificate, and possess sufficient personal knowledge to do so regarding: Customer Name: DEBORAH L MYERS Original Creditor: Citibank South Dakota, N.A. Account Number: 5121071742448206 3. On or about November 17; 2011 this account was sold by the creditor. CACH, LLC is the current owner of the account and purchased the account for good and valuable consideration. Date: AUG 3 U 203 By: Sworn and subscribed to before me this day of Ak A ©� 9013. KATARZYNA D. STRAHAN Notary Public NOTARY PUBLIC STATE OF COLORADO NOTARY ID 20074009100 MY COMMISSION EXPIRES MARCH 18, 2015 Commt Mv 511SMIAM 1G17't1 Domumr ID! i 110 1 i'ST ! a I MSI bactmG� 10: 11 ] DI I STI SMIEMBI SJUL 1 TIM BrU- OF SALE AND ASR NMENT, dated Navembw 21, 2 11, is by CiliMak, NA., m peitionai banking assa6s6on orgmized under Ow Laws of the United States,10c9md at 741 bast 60sh Simt Norte, Sioux FiDs, 9i3 57117 (rh aftik") to CALK [.LC, or and under the laws of the CoLamI*, with its bendquarte"Awincipal pLuz of bteimu at 4340 S. Monam, V R. i Deawr, CO 10237 {"Bt# "? For value received and sub*t to the mis and conditions of the Puvdaw and Sale Apmm= dared Augad 17, 201 1., balwr m Guyer and the Sunk Ov "AVeeman "), the Bmk dace hemby transTier_ 5cli, sign, rrsnvey, pant, bezgErin, set over and deliver tD Buyer' end to BqYW5 i s ssson and assigns, The Aceowts dcs nlxd in Exhibit L and the fraal $acmwic fik Cliftak. N,A- By: i Name; FatrWa Hall Title: FinwqW Fines - Acmunt lw mWgy �'�wiLG ,• 2-'7 12 AFFIDAVIT STATE OF MISSOURI COUNTY OF PLATTE Account Holder. DEBORAH L MYERS Account #: XXXX- XXXX - XXXX - 8206 SSN/EINITIN #: xxx -xx -9455 The undersigned Tina Weedin being duly sworn,.states and deposes as follows: 1. I am an employee of Citibank; N.A.. (''Citibank ") located at 7920 NW 110th $tract, Kansas City, MO 64153, and am authorized to make the statements and representations herein. My job responsibilities include. maintaining-and recording ii►formation in Citibank's records as they relate to credit cards owned.by Citibank This includes accounts previously owned by Citibank (South Dakota), N.A., which merged into Citibank in or about July 2011. The statements set forth in this affidavit are true and correct to the best of my knowledge, information and belief based on either personal knowledge or review of the business records of Citibank. 2. My duties include having knowledge of, and access to, business records relating to the Citibank account referenced above. These records are kept by Citibank in the regular course of business and it was in the regular course of business of Citibank for an employee or representative with personal knowledge of the. act, event; condition, or opinion recorded to make memorandum or records or to transmit information thereof to be.included in such memorandum or records; and that the records were made at of near the tulle of the act and /or event recorded of reasonably soon thereafter. 3. That Citibank, in the regular course of business, provides various credit card processing services, including causing to be sent to customers periodic.bilIinit statements reflecting true and accurate activities on the customers' respective account(s) (other than months in which no statement may been required by law). 4. That the records of indicate that account ending XXXX- XXXX -XXXX -8206 was opened on; or acquired by Citibank on, 6/1/1988 (Account): The account holder's name at time of electronic transmission was DEBORAH L MYERS, with .a Social Security Number, Employer Identification Number; and /or Taxpayer•Identfication Number ending:. xxx -xx -9455. 5. That the records of Citibank indicate that as of the date the Account was sold, there was due -and payable on the Account $11,324.82. To the best of my knowledge, information and belief there were no uncredited payments owed to the Account. 6. That the records of 'Citibank indicate that the last received on the Account by Citibank posted to the account on 5/5/2011.. 7. That the records of Citibank indicate that the Account was sold to CACH, LLC on or about 11/214011 and Citibank retained no ownership interest in the account after it was sold. FURTHER AFFIANT SAYETH NOT:. Dated this day of A zL4 1 . 2012 b ' Y Citibank, N.A: Subscribed and sworn to before me this k --.# day of 2012 by Tina w�dl)n an employee of Citibank, N.A. CAROWN E. HUGHES Notary Public Notary Seal State of Missouri Commissioned for Jackson County My Commission Expires: Jan. 26, 2014 Commission Number. 10927304 Notary Public (Notary Stamp/Seal) My Commission Expires: - - - EXHIBIT C SGM -0811 CARD AGREEMENT may rely on instructions given by either of you. We are not APRs - liable to either of you for relying upon such instructions. Variable APRs Based on Prime. See the Supplement for Credit Limit. Your initial credit limit is on the card carrier. information about the APRs that apply to your account. This Card Agreement is your contract with us. It governs After that, your credit limit appears on your billing statement. If any APR is based on the U.S. Prime Rate (`Prime Rate "), the use of your card and account. The Supplemental Pricing The full amount of your credit limit is available to use where the APR will equal the Prime Rate plus an additional amount. Information ( "Supplement ") is part of this Agreement. Please the card is honored. We will notify you separately what part The additional amount appears on the Supplement. If the read this Agreement, including the Supplement, carefully. of your credit limit is available for cash advances. That part Prime Rate increases, it will cause the APR to increase. If the Keep both for your records. is called the cash advance limit. We may reduce or increase Prime Rate decreases, it will cause the APR to decrease. For your credit limit or cash advance limit at any time for any each billing cycle we use the Prime Rate published in The Definitions reason, as permitted by law. We will notify you of any change, Wall Street Journal two business days before the Statement account means the relationship established between you and but the change may take effect before you receive the notice. Closing Date. If the Prime Rate causes an APR to change, we us by this Agreement. You should always keep your total balance below the credit put the new APR into effect as of the first day of the billing APR means an annual percentage rate. limit. However, if the total balance goes over your credit limit cycle for which we calculate the APR. We apply the new APR authorized user means any person you allow to use your you still must pay us. If your account has a credit balance, to any existing balances, subject to any promotional rate that account. we may reduce the credit balance by any new charges on may apply. If The Wall Street Journal does not publish the your account. You may not maintain a credit balance in Prime Rate, we will use a similar published rate. card means one or more cards or other access devices that excess of your credit limit. Effect of APR Increases. If an APR increases, interest charges we give you to get credit under this Agreement. This includes account numbers. Balance Transfers. Balance transfers are an account feature increase. Your minimum payment may increase as well. of your that we make available to you through offers. The offer will Promotions we, us, and our mean Citibank, N.A., the issuer account. Citibank, N.A. is located in Sioux Falls, of describe the terms. All balance transfers are subject to the We may offer promotional terms for all or a part of any regular purchases APR unless a promotional rate applies. balances. Any promotional terms may apply for a limited you, your, and yours mean the person who applied to open Checks. We may provide you with convenience checks. When period of time. They will be governed by the terms of the the account. It also means any other person responsible for we do, we will tell you in writing whether they may be used promotional offer and this Agreement. Your promotional complying with this Agreement. for balance transfer transactions or cash advance transac- terms will end when the promotional period expires. The Your Account tions. If we tell you they may be used for balance transfer promotional offer will tell you if we require a separate You agree to use your account in accordance with this transactions, any use will be a balance transfer transaction. minimum payment on the promotional balance. Agreement. You must pay us for all amounts due on your You may use them to transfer a balance to your account or If a promotional offer is a deferred interest offer, no interest account. This Agreement is binding on you unless you close make other transactions. If we tell you they may be used for charges will be imposed on the deferred interest balance your account within 30 days after receiving the card and you cash advance transactions, any use will be a cash advance if you pay the balance in full by the end of the promotional have not used or authorized use of the card. Your account transaction even if you use the check to make a payment to period for that deferred interest balance. We will impose must only be used for lawful transactions. another creditor. You may not use convenience checks to interest charges on the deferred interest balance at the APR Authorized Users. You may request additional cards for auth- pay an amount owed to us under this Agreement or to pay for regular purchases from the date of purchase if you do not y another account with us or an affiliate. We do not certify pay the balance in full by the end of the promotional period. orized users. Each authorized user is your agent and may use, these checks or return any checks that have been paid. manage, and receive information about the account to the Interest Charges Based on APRs same extent as you, subject to any limitations we may impose. Billing Statement. Your billing statement shows the New Interest Charges. We impose interest charges when we a You must pay us for all charges made by authorized users. Balance. This is the total amount you owe us on the State- I APRs to You must pay us even if you did not intend to be responsible ment Closing Date. To determine the New Balance, we begin your account balances. We do this every day with the total balance at the start obilling cyc b us for those charges. You must notify us to withdraw any per- l balf the billile. We we divide a dto the APR b 365. rate. 65 ate. To get a daily periodic rate, mission you give to an authorized user to use your account. add any purchases, balance transfers or cash advances. We y Joint Accounts. If this is a joint account, each of you is subtract any credits or payments. We then add any interest When Interest Charges Begin. We begin to impose interest I y charges or fees and make other adjustments. charges the first day we add a charge to a daily balance. The responsible individually and together for all amounts owed. charges we add to a daily alance include purchases, balance Each of you is responsible even if the account is used by Your billing statement also shows your transactions; the Min- transfers, and cash advances. The also include interest only one of you. You will continue to be liable for the entire imum Payment Due and payment due date; your credit limit Y balance of the account, even if our co- applicant is ordered and cash advance limit; and your interest charges and fees. charges and fees. We continue to impose interest charges Y until we credit your account with full payment of the total by a court to pay us. You will remain liable to us if your co- We deliver a billing statement to only one address. You must amount you owe us. applicant fails to pay as ordered by the court. Your account notify Customer Service of a change in address. We may stop status will continue to be reported to the credit bureau under sending you statements if we deem your account uncollec- Grace Period on Purchases. You can avoid interest charges on purchases, but not on balance transfers and each of your names. The delivery of notices or billing state- tible or start collection proceedings; but we may continue to ments to either of you serves as delivery to each of you. We add interest and fees as permitted by law. cash advances. This is called a grace period on purchases. 1 2 3 SGM -0811 The grace period is at least 25 days. To get a grace period When we calculate daily balances, we add a purchase, Transaction Fee for Foreign Purchases. We add a transac- ' on purchases, you must pay the New Balance by the payment balance transfer, or cash advance as of the Transaction Date. tion fee of 3% of the U.S. dollar amount of each purchase due date every billing cycle. If you do not, you will not get a (The Transaction Date for a balance transfer or cash advance made outside the U.S., whether made in U.S. dollars or in a grace period until you pay the New Balance for two billing is the date we get a request to complete a transaction. When foreign currency. cycles in a row. you send a convenience check directly to someone, the Trans- Late Fee. We may add a late fee for each billing cycle in If you have a balance subject to a deferred interest promotion action Date is the date we receive the check for payment. which you have a past due payment. For late fee purposes, and that promotion does not expire before the payment due The Transaction Date is on the billing statement.) We add a you have a past due payment any time you fail to pay the transaction fee to the same balance as the transaction. We Minimum Payment Due less the Amount Over Credit Limit date, that balance (the "excluded promotional balance") is generally dd other fees, including redit protection fees and y excluded from the amount you must pay in full to get a grace isurance charges, to the regular purchase balance. We add shown on your billing statement) by the payment due date. c period. However, you must still pay any separately required g g The fee will be $25; or $35 for any additional past due payment on the excluded promotional balance. In billing any remaining balance from a balance transfer at a promo- payment during the next six billing cycles after a past due cycles in which payments are allocated to deferred interest tional APR to the regular purchase balance. We do this on payment. However, the fee will not exceed the amount permit - the day after the promotional period expires. We subtract a ted b law. We add this fee to the regular purchase balance. balances first, the deferred interest balance will be reduced y g p before an will payment or credit as of the day it is credited to the account y other balance on the account. However, you Returned Payment Fee. We may add a returned payment fee continue to get a grace period on purchases so long as you and then make other adjustments. We treat a credit balance for a returned payment. A returned payment is an electronic pay the New Balance less any excluded promotional balances as a balance of zero. debit, payment check, or similar payment instrument, that is in full by the payment due date each billing cycle. Minimum Interest Charge. If we charge you interest, the returned unpaid. We may add this fee the first time your pay- In addition, certain promotional offers may take away the charge will be no less than $2. We add the charge to the ment is returned, even if it is not returned upon resubmis- regular purchase balance or allocate it among one or more sion. The fee will be $25; or $35 for an additional returned grace period on purchases. Other promotional offers not y s interest r t th accrues . l b f the balances a described above may also allow you to have a grace period o payment during the same or next six billing cycles after on purchases without having to pay all or a portion of the Balance Subject to Interest Rate. Your statement shows a returned payment. However, the fee will not exceed the promotional balance by the payment due date. If either is the a Balance Subject to Interest Rate. It shows this for each amount permitted by law. We add this fee to the regular case, the promotional offer will describe what happens. different balance. The Balance Subject to Interest Rate is the purchase balance. Calculation of Interest Charges — Daily Balance Method average of the daily balances during the billing cycle. A billing Returned Convenience Check Fee. We may add a returned (Including Current Transactions). We calculate interest cycle begins on the day after the Statement Closing Date of convenience check fee for a returned convenience check. the previous billing cycle. It includes the Statement Closing A returned convenience check is an convenience check we charges each billing cycle. To do this: y • We start with each of your different balances. These Date of the current billing cycle. do not honor. We may not honor these checks it the amount balances include, for example, regular purchases, Old Fees of the check would cause the balance to go over the cash Balances, regular cash advances, and different promo- Annual Membership Fee. If an annual membership fee advance limit or credit limit. We also may not honor these tional balances. (When we calculate interest charges, applies, the Supplement shows it. We will refund this fee if checks if you default; if you did not comply with our instruc- we treat each deferred interest transaction separately you notify us that you are closing your account within 30 tions regarding the check; if your account has been closed; or even if it has the same terms as another deferred interest days of the mailing or delivery date of the billing statement on for other reasons. The fee will be $25; or $35 for any returned transaction and we treat balance transfers as regular which the fee appears. The fee is otherwise non - refundable. convenience check during the same or next six billing cycles purchases unless a promotional rate applies.) If this fee applies, we add it to the regular purchase balance. after a returned convenience check. However, the fee will not • We calculate the daily balance for each of your different Transaction Fee for Cash Advances. You take a cash advance exceed the amount permitted by law. We add this fee to the balances. To get a daily balance, we start with the regular purchase balance. balance as of the end of the previous day. We add any if you use a cash advance convenience check; get money Stop Payment on Convenience Check Fee. We add a $39 fee interest charge on the previous day's balance. (This through an automated teller machine (ATM); or get money P Y through home banking or a financial institution. You also take if we honor your request to stop payment on a convenience results in daily compounding of interest charges.) We add any new charges. We then subtract any new credits a cash advance if you make a wire transfer; buy a money check. Write us at P.O. Box 6275, Sioux Falls, SO 57117 to order, traveler's check, lottery ticket, casino chip, or similar stop payment on a convenience check. You can also call the or payments. item; or engage in a similar transaction. For each cash Customer Service number on the billing statement. If you call, • We multiply each daily balance by the daily periodic rate advance we add a transaction fee of 5% of the amount of you must confirm the call in writing within 14 days. A written that applies to it. We do this for each day in the billing the cash advance, but not less than $5. stop payment order is good for 6 months unless renewed in cycle. This gives us the daily interest charges for each writing. We add this fee to the regular purchase balance. of your different balances. Transaction Fee for Balance Transfers. You make a balance • We add up all the daily interest charges. The sum is the transfer if you use a balance transfer convenience check or Information on Foreign Currency Conversion total interest charge for the billing cycle. contact us to transfer a balance. For each balance transfer Our network provider is MasterCard. MasterCard converts • You authorize us to round interest charges to the nearest we add a transaction fee of 5% of the amount of the balance transactions in foreign currencies into U.S. dollars. MasterCard cent. transfer, but not less than $10. This fee is in addition to any follows its own procedures to do so. These may change from periodic fee that may be imposed with a promotional offer. 4 5 6 SGM -0811 time to time without notice. Currently, MasterCard uses a cent.) The Promotion Calculation only applies during the so, call us to request the service. You agree to pay us the Pay " conversion rate in effect one day before its transaction pro- promotion period. For deferred interest transactions made at by Phone fee shown in the Pay by Phone section on the back cessing date. It uses a government- mandated rate if required Sears Holdings Corporation entities and its participating affili- of the billing statement when a representative of ours helps to do so. If not, it uses a wholesale market rate. A third party ates, subsidiaries and licensees, excluding Kmart and select expedite your payment. Our representatives are trained to tell may convert a transaction into U.S. dollars or another cur- Orchard Supply Hardware stores, if a protection agreement you this amount when you use this service. rency before sending it to MasterCard. In these cases, the is part of the deferred interest transaction, the protection Credit Reporting third party selects the conversion rate. In all cases, the con- agreement is treated as a separate transaction for purposes We may report information about your account to credit version rate you get is the one used on the transaction's of evaluating whether the Promotion Calculation applies. bureaus. Late payments, missed payments, or other defaults processing date. This may be different from the one in effect Multiple protection agreements that are part of one deferred on your account may be reflected in your credit report. We on the Transaction Date or post date for the transaction. interest transaction are treated as one separate transaction. may report account information in your name and the names Payments The Minimum Payment Due may reflect adjustments to the of authorized users. We may also obtain follow -up credit New Balance. The Minimum Payment Due is never more than reports on you. Making Payments. You may pay all or part of your account P Y the Calculated New Balance plus two amounts. The first is balance at any time. However, you must pay at least the any amount required by a promotional offer. The second is If you think we reported incorrect information to a credit Minimum Payment Due by the payment due date each billing any amount required by the Promotion Calculation. bureau, write us at the Customer Service address on the billing cycle. The sooner you pay the New Balance, the less you will statement. We will investigate the matter. We will then tell you pay in interest charges. Application of Payments. Payments in excess of the Mini- if we agree or disagree with you. If we agree with you, we will We calculate the Minimum Payment Due as follows. We begin mum Payment Due are applied in accordance with law. This contact each credit bureau to which we reported and request with any past due amount. We add any amount in excess of means that we will generally apply payments in excess of the a correction. If we disagree with you, we will tell you that. your credit limit. We add any amount specified in a promo- Minimum Payment Due to higher APR balances first. How - tional offer. We add any amount required by the Promotion ever, excess payments received before a deferred interest Information Sharing Calculation. We also add the largest of the following: promotion expires are applied to the deferred interest You authorize us to share information about you as permitted • The Calculated New Balance if it is less than $25; promotional balance first in the last two billing cycles of the by law. This includes information we get from you and others. • $25 if the Calculated New Balance is at least $25; promotional period. And, if the expiration date of a deferred It also includes information about your transactions with us. • 1% of the Calculated New Balance (the result is rounded interest promotion is before the payment due date in the Please see our Privacy Notice for details about our informa- up to the nearest dollar) plus the amount of your billed billing cycle in which the deferred interest promotion expires, tion sharing practices. interest charges on that balance, any minimum interest excess payments received before the deferred interest promo- Changes to this Agreement tion expires are applied to the deferred interest promotional charge allocated to that balance, and any applicable late We may change the rates, fees, and terms of this Agree - balance first in the last three billing cycles of the promotional fee. However, we subtract interest charges that accrued ment from time to time as permitted by law. The changes period. Payments equal to or less than the Minimum Pay - during prior billing cycles on a deferred interest balance ment Due and credits are applied at our discretion and you may add, replace, or remove provisions of this Agreement. t that ended during the billing cycle covered by the state- authorize us to apply payments and credits in t way that We will give you advance written notice of the changes and or is most favorable or convenient for us. This may include aright to opt out to the extent required by law. 1.5% • 1.5% of the Calculated New Balance (the result is applying such payments and credits to o Default rounded up to the nearest dollar). first n lower APR ba to balances with longer promotional periods first. You default under this Agreement if you fail to pay the The Calculated New Balance equals the New Balance on the Payment Instructions. We credit your payments in accor- Minimum Payment Due by its due date; go over your credit billing statement less any balances subject to the Promotion a dance with our payment instructions on the billing statement. limit; pay by a check or similar instrument that is not honored Calculation and less any balances subject either of two You must pay us in U.S. dollars. To do so, you must use a or that we must return because it cannot be processed; pay types of promotional terms. The first type are terms that do check, similar instrument, or electronic debit that is drawn on by electronic debit that is returned unpaid; file for bankruptcy; not require a minimum payment. The second type are terms and honored by a bank in the U.S. Do not send cash. We can or fail to comply with the terms of this Agreement. If you that require an additional amount as part of the Minimum accept late or partial payments, or payments that reflect "paid default, we may close your account and, to the extent permit - Payment Due. in full" or other restrictive endorsements, without losing our ted by law, demand immediate payment of the total balance. The Promotion Calculation applies to some deferred interest rights. We also reserve the right to accept payments made in Refusal of the Card, Closed Accounts, transactions made on or after September 27, 2011. The Pro- foreign currency and instruments drawn on funds on deposit and Related Provisions motion Calculation is based on the transaction amount as outside the U.S. If we do, we select the currency conversion shown on the first statement that displays the transaction. It rate. We will then credit your account in U.S. dollars after Refusal of the Card. We do not guarantee approval of applies if, paying $25 on this balance each billing cycle would deducting any costs incurred in processing your payment. transactions. We are not liable for transactions that are not result in repayment before the end of the promotion period. Or we may bill you separately for these costs. approved. That is true even if you have enough credit. We The Promotion Calculation equals 1% of this balance during Optional Pay by Phone Service. You may use our optional may limit the number of transactions approved in one day. the promotion period. (The result is rounded up to the nearest Pay by Phone Service to make your payment by phone. To do If we detect unusual or suspicious activity, we may suspend your credit privileges. 7 8 9 SGM -0811 Preauthorized Charges. We may suspend any automatic or remedy (damages, or injunctive or declaratory relief) they at a place chosen by the arbitration firm in the same city as other preauthorized card charges you arrange with a third seek. This includes Claims based on contract, tort (including the U.S. District Court closest to your then current billing party. We may do this if you default; if the card is lost or intentional tort), fraud, agency, your or our negligence, address, or at some other place to which you and we agree in stolen; or we change your account for any reason. If we do statutory or regulatory provisions, or any other sources of writing. You may obtain copies of the current rules of each of this, you are responsible for paying the third party directly if law; Claims made as counterclaims, cross - claims, third- the arbitration firms and forms and instructions for initiating you wish to do so. You are also responsible for reinstating the party claims, interpleaders or otherwise; and Claims made an arbitration by contacting them as follows: preauthorized charges if you wish to do so and we permit it. independently or with other claims. A party who initiates American Arbitration Association Lost or Stolen Cards, Account Numbers or Convenience a proceeding in court may elect arbitration with respect to 800- 778 -7879 (toll -free) Checks. You must call us if any card, account number, or any Claim advanced in that proceeding by any other party. Website: www.adr.org check is lost or stolen. You must also call us if you think Claims and remedies sought as part of a class action, private JAMS someone used or may use them without permission. When attorney general or other representative action are subject to you call, we may require you to provide information to help arbitration on an individual (non - class, non - representative) 800 352 (toll -free) www.jamsadr.com investigation. We may require you to provide this infor- basis, and the arbitrator may award relief only on an individ- Website: ww.jamsadr.com mation in writing. For example, we may ask you to identify ual (non - class, non - representative) basis. At any time you or we may ask an appropriate court to any charges that were not made by you or someone auth- Whose Claims are subject to arbitration? Not only ours and compel arbitration of Claims, or to stay the litigation of Claims orized by you. We may also ask you to confirm that you yours, but also Claims made by or against anyone connected pending arbitration, even if such Claims are part of a lawsuit, received no benefit from those charges. with us or you or claiming through us or you, such as a unless a trial has begun or a final judgment has been entered. Closing Your Account. You may close our account b co- applicant or authorized user of your account, an employee, Even if a party fails to exercise these rights at any particular y y y agent, representative, affiliated company, predecessor or time, or in connection with any particular Claims, that party account, you must still repay the total balance in accordance g y' notifying in writing or over the phone. If you close your successor, heir, assignee, or trustee in bankruptc can still require arbitration at a later time or in connection with this Agreement. We may also close your account or What time frame applies to Claims subject to arbitration? with any other Claims. suspend account privileges at any time for any reason. We Claims arising in the past, present, or future, including Claims What procedures and law are applicable in arbitration? may do this without prior notice to you. We may also reissue arising before the opening of your account, are subject to A single, neutral arbitrator will resolve Claims. The arbitrator a different card at any time. You must return any card to us arbitration. will be either a lawyer with at least ten years experience or a upon request. retired or former judge, selected in accordance with the rules Broadest interpretation. Any questions about whether Claims of the arbitration firm. The arbitration will follow procedures ARBITRATION are subject to arbitration shall be resolved by interpreting this and rules of the arbitration firm in effect on the date the arbitration provision in the broadest way the law will allow it arbitration is filed unless those rocedures and rules are PLEASE READ THIS PROVISION OF THE AGREEMENT CARE- to be enforced. This arbitration provision is governed by the p FULLY. IT,PROVIDES THAT ANY DISPUTE MAY BE RESOLVED Federal Arbitration Act the "FAA"). inconsistent with this Agreement, m which case this Agree - BY BINDING ARBITRATION. ARBITRATION REPLACES THE ment will prevail. Those procedures and rules may limit the RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A What about Claims filed in Small Claims Court? Claims filed discovery available to you or us. The arbitrator will take JURY AND THE RIGHT TO INITIATE OR PARTICIPATE IN in a small claims court are not subject to arbitration, so long reasonable steps to protect customer account information A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBI- as the matter remains in such court and advances only an and other confidential information if requested to do so by TRATION, A DISPUTE IS RESOLVED BY AN ARBITRATOR individual (non - class, non - representative) Claim. you or us. The arbitrator will apply applicable substantive law INSTEAD OF A JUDGE OR JURY. ARBITRATION PROCE- What about debt collections? We and anyone to whom we consistent with the FAA and applicable statutes of limitations, DURES ARE SIMPLER AND MORE LIMITED THAN COURT assign your debt will not initiate an arbitration proceeding to will honor claims of privilege recognized at law, and will have PROCEDURES. collect a debt from you unless you assert a Claim against us the power to award to a party any damages or other relief Agreement to Arbitrate: Either you or we may, without the or our assignee. We and any assignee may seek arbitration provided for under applicable law. You or we may choose to other's consent, elect mandatory, binding arbitration for any on an individual basis of any Claim asserted by you, whether have a hearing and be represented by counsel. The arbitrator claim, dispute, or controversy between you and us (called in arbitration or any proceeding, including in a proceeding to will make any award in writing and, if requested by you or us, collect a debt. You may seek arbitration on an individual basis will provide a brief statement of the reasons for the award. An "Claims ")• y g award in arbitration shall determine the rights and obligations of any Claim asserted against you, including in a proceeding between the named parties only, and only in respect of the Claims Covered to collect a debt. Claims in arbitration, and shall not have an bearing n the What Claims are subject to arbitration? All Claims relating How Arbitration Works rights and obligations of any other person, or on the to your account, a prior related account, or our relationship How does a a initiate arbitration? The party filing an resolution of an other dispute. are subject to arbitration, including Claims regarding the party g y p application, enforceability, or interpretation of this Agreement arbitration must choose one of the following two arbitration Who pays? Whoever files the arbitration pays the initial filing and this arbitration provision. All Claims are subject to arbi- firms and follow its rules and procedures for initiating and fee. If we file, we pay; if you file, you pay, unless you get a tration, no matter what legal theory they are based on or what pursuing an arbitration: American Arbitration Association or fee waiver under the applicable rules of the arbitration firm. JAMS. Any arbitration hearing that you attend will be held If you have paid the initial filing fee and you prevail, we will 10 11 12 I SGM -0811 reimburse you for that fee. If there is a hearing, we will pay this arbitration provision may be amended, severed or waived Your Billing Rights: Keep this Document for Future Use any fees of the arbitrator and arbitration firm for the first day absent a written agreement between you and us. This notice tells you about your rights and our responsibil- of that hearing. All other fees will be allocated as provided by ities under the Fair Credit Billing Act. the rules of the arbitration firm and applicable law. However, Governing Law and Enforcing our Rights i we will advance or reimburse your fees if the arbitration firm Governing Law. Federal law and the law of South Dakota, What To Do If You Find A Mistake On Your Statement or arbitrator determines there is good reason for requiring where we are located, govern the terms and enforcement of g If you think there is an error on your statement, write to us at us to do so, or if you ask us and we determine there is good i reason for doing so. Each party will bear the expense of that this Agreement. the address for billing inquiries and correspondence shown y party's attorneys, experts, and witnesses, and other expenses, Enforcing this Agreement. We will not lose our rights under on the front of your statement. regardless of which party prevails, but a party may recover this Agreement because we delay in enforcing them or fail to In your letter, give us the following information: any or all expenses from another party if the arbitrator, enforce them. • Account information Your name and account number. applying applicable law, so determines. Collection Costs. To the extent permitted by law, you are • Dollar amount The dollar amount of the suspected error. Who can be a party? Claims must be brought in the name liable to us for our legal costs if we refer collection of your • Description of problem If you think there is an error on of an individual person or entity and must proceed on an account to a lawyer who is not our salaried employee. These your bill, describe what you believe is wrong and why ° i individual (non - class, non - representative) basis. The arbi- costs may include reasonable attorneys' fees. They may also you believe it is a mistake. " trator will not award relief for or against anyone who is not a include costs and expenses of any legal action. You must contact us: party. If you or we require arbitration of a Claim, neither you, Assignment. We may assign any or all of our rights and • Within 60 days after the error appeared on your statement. " we, nor any other person may pursue the Claim in arbitration obligations under this Agreement to a third party. • At least 3 business days before an automated payment is as a class action, private attorney general action or other scheduled, if you want to stop payment on the amount representative action, nor may such Claim be pursued on For Further Information you think is wrong. your or our behalf in any litigation in any court. Claims, Call us toll -free for further information. Call the toll -free You must notify us of any potential errors in writing You including assigned Claims, of two or more persons may not Customer Service telephone number shown on the billing may call us, but if you do we are not required to investigate be joined or consolidated in the same arbitration. However, statement or on the back of your card. You can also call local any potential errors and you may have to pay the amount in applicants, co- applicants, authorized users on a single or toll -free Directory Assistance to get our telephone number. question. account and /or related accounts, or corporate affiliates are here considered as one person. What Will Happen After We Receive Your Letter When is an arbitration award final? The arbitrator's award When we receive your letter, we must do two things: is final and binding on the parties unless a party appeals it in writing to the arbitration firm within fifteen days of notice of 1. Within 30 days of receiving your letter, we must tell you the award. The appeal must request a new arbitration before Ken Stork Citibank, N.A. that we received your letter. We will also tell you if we a panel of three neutral arbitrators designated by the same P.O. Box 6000 have already corrected the error. arbitration firm. The panel will consider all factual and legal Sioux Falls, SD 57117 2. Within 90 days of receiving your letter, we must either issues anew, follow the same rules that apply to a proceeding correct the error or explain to you why we believe the using a single arbitrator, and make decisions based on the bill is correct. vote of the majority. Costs will be allocated in the same way While we investigate whether or not there has been an error: they are allocated for arbitration before a single arbitrator. • We cannot try to collect the amount in question, or An award by a panel is final and binding on the parties after fifteen days has passed. A final and binding award is subject Spanish Language Translation report you as delinquent on that amount. to judicial review and enforcement as provided by the FAA or As a customer service, we will provide you with a copy of • The charge in question may remain on your statement, other applicable law. this Agreement in Spanish upon your request and for your and we may continue to charge you interest on that convenience. To obtain such a copy, write to us at P.O. Box amount. Survival and Severability of Terms 6275, Sioux Falls, SD 57117, or call us at 1- 800 - 669 -8488. • While you do not have to pay the amount in question, This arbitration provision shall survive: (i) termination or you are responsible for the remainder of your balance. changes in the Agreement, the account, or the relationship Como un servicio a nuestros clientes, le proveeremos una • We can apply any unpaid amount against your credit limit. copia de este Acuerdo en espanol si usted asi to solicita. between you and us concerning the account; (ii) the bank- Para obtener dicha copia, puede escribirnos al P.O. Box 6275, After we finish our investigation, one of two things ruptcy of any party; and (iii) any transfer, sale or assignment Sioux Falls, SD 57117, o Ilamarnos al 1- 800 - 669 -8488, y will happen: of your account, or any amounts owed on your account, to solicitar una versi6n en espanol de este Acuerdo. • If we made a mistake You will not have to pay the any other person or entity. If any portion of this arbitration amount in question or any interest or other fees related provision is deemed invalid or unenforceable, the entire to that amount. arbitration provision shall not remain in force. No portion of 13 14 15 SGM -0811 . • If we do not believe there was a mistake You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organiza- tions know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good ae he bight not to pay problem heremaining with t amount due may merchant, you purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address for billing inquiries and correspondence shown on the front of your statement. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. © 2011 Citibank, N.A. SGM - 0811 8/11 16 Y VERIFICATION 1, ANGELICA MARTINEZ , hereby depose and state that: The language of the foregoing document is that of counsel and not necessarily my own; however, I have read the foregoing document and the factual information contained therein is true and correct to the best of my personal knowledge. I am the Authorized Representative and a duly authorized representative of the plaintiff; The factual allegations set forth in the foregoing pleading are true and correct to the best of my knowledge, information and belief, and they are that DEBORAH L MYERS owes the balance of $11,324.82 to CACH, LLC on previously submitted invoices, which balance is due and unpaid as if the date of the execution of this Verification. I am aware that if any of the foregoing is willfully false, I am subject to punishment. I understand that false statements made herein are subject to the penalties relating to unsworn falsification to authorities. By: Dated: AU G. 3 0 2013 ANGELICA MARTINEZ Authorized Representative SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith 4 +i Chief Deputy Richard W Stewart ?liM�ifLi� iGLi� `4. Solicitor , PENNSYLVANIA Cach, LLC Case Number vs. Deborah L Myers 2013-5504 SHERIFF'S RETURN OF SERVICE 0913012013 08:33 PM-Deputy Jason Kinsler, being duly sworn according to law, served the requested Complaint& Notice by"personally"handing a true copy to a person representing themselves to be the Defendant, to wit: Deborah L Myers at 2 Gray Place, Upper Allen, Mechanicsburg, PA 17055. � I` JASOlq K! SUER, DEPUTY SHERIFF COST: $39.76 SO ANSWERS, R October 01, 2013 RbNW R ANDERSON, SHERIFF ua0l a 1't:•fi1`::TG':050'.'...., r s Law Firm of Allan C. Smith, P.C. Attorney I.D. 204756 L r 3 t:211 18 All I I: 2 Bucks County Office Center 1276 Veterans Highway, Suite E-1 ''U `l3 E R L r.N{D COUNTY Bristol, PA 19007 PEN Y LVA N I A 1-888-275-6399//(215)428-0666 CACH,LLC ) COURT OF COMMON PLEAS ) CUMBERLAND COUNTY Plaintiff(s), ) vs. ) NO: 2013-5504 ) DEBORAH L MYERS ) ) PRAECIPE TO ENTER ) JUDGMENT BY DEFAULT Defendant(s). ) TO THE PROTHONOTARY: Please enter a Default Judgment in favor of plaintiff CACH, LLC and against the defendant(s), DEBORAH L MYERS, for failure to answer or otherwise respond to the Complaint in Civil Action. The Complaint was served upon the defendant(s) on September 30, 2013. A copy of the proof of service is attached hereto. A copy of the Notice of Intention to take Default mailed to defendant(s) DEBORAH L MYERS by regular United States mail, postage paid, on October 25,2013, is attached hereto. Assess damages in the amount of$12,728.57 as follows: [a] $11,324.82 being sought in the Complaint; [b] and $0.00 interest being sought in the Complaint; [c]reasonable attorney's fee of $1200.00, or $150.00 per hour, [d] and Court Costs of $103.75, [e] and Costs of Service of $100.00. Date: November 15,2013 B ILL L y jr- Co L. Kronnagel,Esq a orney I.D. 313173 PC1 fki awa # jay t. Rga9s Flo iic/e SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff a"or 01 Laara��r�T a Jody S Smith Chief Deputy ,:,v Richard W Stewart " `')?� Solicitor F ICE F Cach, LLC vs. Case Number Deborah L Myers 2013-5504 SHERIFF'S RETURN OF SERVICE 09/30/2013 08:33 PM- Deputy Jason Kinsler, being duly sworn according to law, served the requested Complaint& Notice by"personally"handing a true copy to a person representing themselves to be the Defendant, to wit: Deborah L Myers at 2 Gray Place, Upper Allen, Mechanicsburg, PA 17055. JASO KI SUER, DEPUTY — SHERIFF COST: $39.76 SO ANSWERS, October 01, 2013 RONNY R ANDERSON, SHERIFF �ci CounrySuile Sheriff,Teleosott Inc. Law Firm of Allan C. Smith, P.C. Attorney I.D. 204756 Bucks County Office Center 1276 Veterans Highway, Suite E-1 Bristol,PA 19007 1-888-275-6399//(215)428-0666 Attorney for Plaintiff CACH,LLC ) COURT OF COMMON PLEAS ) CUMBERLAND COUNTY Plaintiff, ) ) NO: 2013-5504 vs. ) ) DEBORAH L MYERS ) ) Defendant(s). ) CERTIFICATE OF SERVICE OF NOTICE OF INTENT TO FILE PRAECIPE TO ENTER JUDGMENT BY DEFAULT I, CORRYN L. KRONNAGEL, of full age, certify that I mailed a copy of the annexed NOTICE OF INTENT TO FILE PRAECIPE TO ENTER JUDGMENT BY DEFAULT upon defendant(s) DEBORAH L MYERS by United States mail, postage prepaid, on October 25, 2013 at his/her last address of: 2 GRAY PLACE,UPPER ALLEN MECHANICSBURG,PA 17055 Date: November 15,2013 B : // / ' , Y44_01,u Corr;t L. Kronnagel, Es q. Atto ey I.D. 313173 Law Firm of Allan C. Smith, P.C. Attorney I.D. No. 204756 Bucks County Office Center 1276 Veterans Highway, Suite E-1 Bristol,PA 19007 1-888-275-6399/1(215) 428-0666 Attorney for the Plaintiff CACH,LLC ) COURT OF COMMON PLEAS ) CUMBERLAND COUNTY,PA Plaintiff, ) vs. ) No.: 2013-5504 DEBORAH L MYERS ) ) NOTICE OF INTENT TO Defendant(s) ) FILE PRAECIPE TO ENTER ) JUDGMENT BY DEFAULT TO: DEBORAH L MYERS 2 GRAY PLACE, UPPER ALLEN MECHANICSBURG,PA 17055 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CAN NOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Lawyer Referral Service CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE,PA 17013. Telelphone: 249-3166 Dated: October 25,2013 THIS COMMUNICATION IS FROM A DEBT COLLECTOR IN AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Law Firm of Allan C. Smith, P.C. Attorney I.D. 204756 Bucks County Office Center 1276 Veterans Highway, Suite E-1 Bristol, PA 19007 1-888-275-6399/1(215) 428-0666 Attorney for Plaintiff CACH,LLC ) COURT OF COMMON PLEAS ) CUMBERLAND COUNTY Plaintiff, ) ) NO: 2013-5504 vs. ) ) DEBORAH L MYERS ) ) Defendant(s). ) CERTIFICATION OF NON-MILITARY SERVICE I, CORRYN L. KRONNAGEL, ESQ. of full age, certifies as follows: 1. I am the plaintiff's attorney herein, and have sufficient knowledge of the facts and am fully authorized to make this Certification; 2. My information is that the defendant is DEBORAH L MYERS. 3. Our latest information is that the defendant is employed at unknown. 4. To the best of my information and belief, the Defendant is not a member of the military services of the United States of its allies or otherwise within the provisions of the Soldiers' and Sailors' Relief Act of 1940, as amended, and as stated in the attached Department of Defense Manpower Data Center reports. 5. This certification is taken subject to the penalties of 18 PaCSA 4904 relating to unsworn falsification to authorities. Date: November 15,2013 Ad ` C..�yn L. Kronnagel, Esq. • orney I.D. 313173 • Department of Defense Manpower Data Center Results as of:Nov-11-201301:22:36 SCRA 3.0 Status Report Pursuant to Servicemembers Civil Relief Act Last Name: MYERS First Name: DEBORAH Middle Name: L Active Duty Status As Of: Nov-11-2013 _ ActiV*Dtty Sto P*ltA � ! .. ,... . NA NA No NA This response reflects the fndhdduals'active duty status based on the Active,Duty Status Date r Acive °�4 �, ltiAWeY � Brats ��'v t'Z'Z'1,440111 a ; NA NA No NA This response reflects where the individual left active duty status Within 367 days preceding the Active Duty Status Date %�� Afvt Cat Ei' AtX4 t , .,,,, NA NA.. No NA This response reflects whether the khdividuat or his/her unit has received early-notifiation cto report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center,based on the information that you provided,the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services(Army,Navy,Marine Corps,Air Force,NOM,Public Health,and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. HOWEVER,WITHOUT A SOCIAL SECURITY NUMBER,THE DEPARTMENT OF DEFENSE MANPOWER DATA CENTER CANNOT AUTHORITATIVELY ASSERT THAT THIS IS THE SAME INDIVIDUAL THAT YOUR QUERY REFERS TO.NAME AND DATE OF BIRTH ALONE DO NOT UNIQUELY IDENTIFY AN INDIVIDUAL. 41111. )111. . Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 04E25 Arlington,VA 22350 Law Firm of Allan C. Smith, P.C. Attorney I.D. 204756 Bucks County Office Center 1276 Veterans Highway, Suite E-1 Bristol, PA 19007 1-888-275-6399//(215)428-0666 Attorney for Plaintiff CACH,LLC ) COURT OF COMMON PLEAS ) CUMBERLAND COUNTY Plaintiff, ) ) NO: 2013-5504 vs. ) ) DEBORAH L MYERS ) ) Defendant(s). ) To: DEBORAH L MYERS 2 GRAY PLACE, UPPER ALLEN MECHANICSBURG,PA 17055 NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proc eding as indicated below: By: eb Clerk ) )I'g/� 3 X Judgment by Default Money Judgment Judgment in Replevin Judgment for Possession Judgment on Award of Arbitration Judgment on Verdict Judgment on Court Verdict If you have any questions concerning the above, please contact: ATTORNEY: ALLAN C. SMITH, Esquire at 215-428-0666 or 1-888-275-6399 PRAECIPE FOR WRIT OF EXECUTION(MONEY JUDGMENTS) P.R.C.P. 3101 to 3149 CACH,LLC : IN THE COURT OF COMMON PLEAS OF 4340 S.MONACO STREET,2ND FLOOR : CUMBERLAND COUNTY,PENNSYLVANIA DENVER, COLORADO 80237 Plaintiff[s], vs. : Docket No.: 2013-5504 DEBORAH L MYERS • 2 GRAY PL MECHANICSBURG,PA 17055 • Defendant[s]. • TO THE PROTHONOTARY OF CUMBERLAND COUNTY: -0 cp 3v =C K' ISSUE and INDEX WRIT OF EXECUTION IN THE ABOVE MATTER, = ;�; p 7a -C 0' (1) Directed to the Sheriff of CUMBERLAND County, Pennsylvania, (2) against DEBORAH L MYERS Defendant(s); ANY AND ALL PERSONAL PROPERTY TO BE LEVIED ON. (3) and against Garnishee(s); as a lis pendens against the real property of the defendant(s) in the name of the Garnishee(s) as follows: (Specifically describe property to be levied upon by Sheriff) (4) Amount Due $ 12,728.57 Interest from TOTAL , plus costs. Curt 'isf $,S atk\ Cdr « << I cP .S D DATE: Januar 18 2014 evck //G Ae D 1$g•S� -Co L.Kronnagel,Esq. Itts:a•ash . Ctkwa8 to goy Wr-A- issved WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO 13-5504 Civil COUNTY OF CUMBERLAND) CIVIL ACTION—LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due CACH,LLC Plaintiff(s) From DEBORAH L. MYERS,2 GRAY PL,MECHANICSBURG,PA 17055 (1) You are directed to levy upon the property of the defendant(s)and to sell ANY AND ALL PERSONAL PROPERTY TO BE LEVIED ON. (2) You are also directed to attach the property of the defendant(s)not levied upon in the possession of GARNISHEE(S)as follows: and to notify the garnishee(s)that: (a) an attachment has been issued; (b)the garnishee(s) is enjoined from paying any debt to or for the account of the defendant(s) and from delivering any property of the defendant(s)or otherwise disposing thereof; (3) If property of the defendant(s)not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due$12,728.57 Plaintiff Paid$ Interest Attorney's Comm. % Law Library$.50 Attorney Paid$188.51 Due Prothonotary$2.25 Other Costs$ Date: JANUARY 23,2014 --bize -GGn David D. Buell,Prothonotary __ - _ i/ -- Deputy REQUESTING PARTY: Name : CORRYN L.KRONNAGEL,ESQUIRE Address: LAW FIRM OF ALLAN C. SMITH,P.C. THE BUCKS COUNTY OFFICE CENTER 1276 VETERANS HIGHWAY,SUITE E-1 BRISTOL,PA 19007 Attorney for: PLAINTIFF Telephone: 215-428-0666 Supreme Court ID No.313173 Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY CIFFICZ QF F|LELI-OFF!C� (!�THE. PROTHONOTAfi tS/bS�P 17 p� 7/ �� _ ... � �~ CUMBERLAND COUNTY PENNSYLVANIA Cach, LLC vs. Deborah L Myers Case Number 2013-5504 SHERIFF'S RETURN OF SERVICE 02C24/2014 04:46 PM - Dawn Kell, duly sworn according to Iaw, states that on February 24, 2014 at 4:46 PM hours, served the requested Wriof Execution and Claim for Exemption Form by personally" handing a true and attested copy to a person representing themselves to be the Defendant, to wit: Deborah L Myers at 2 Gray Place, Upper Allen, Mechanicsburg, PA 17055, informed Defendant of contents of same and levied upon personal property as directed. Postcard and copy of levy mailed to attorney and etter mailed to defendant on February 25, 2014. 00/16/2014 Ronny R. Anderson, Shariff, who being duly sworn according to /ovv, states this writ nfexecution is returned as ABANDONED. No action on writ in over 6 months. SHERIFF COST: $73.99 SO ANSWERS, September 16, 2014 (c) CountySuite Sheriff, Teleosoft, RDNNYRANDERSON, SHERIFF