HomeMy WebLinkAbout13-5994 Supreme Court of Pennsylvania
Court `of Common Pleas For Prothonotary Use Only:
Civil Cover Sheet Docket No:
County ) J 1
The information collected on this form is used solely for court administration purposes. This form does not
supplement or replace the filing and service of pleadings or other papers as required by law or rules of court.
Commencement of Action:
S El Complaint 0 Writ of Summons El Petition
Transfer from Another Jurisdiction Declaration of Taking
E
C Lead Plaintiff's Name: Lead Defendant's Name:
STATE FARM BANK (Y) P GZ S(o
T Dollar Amount Requested: Elwithin arbitration limits
I Are money damages requested? E Yes El No (check one) Qoutside arbitration limits
O
N Is this a Class Action Suit? [1 Yes El No Is this an MDJAppeal? [] Yes iX No
A Name of Plaintiff /Appellant's Attorney: AMY F DOYLE, ESQUIRE
0 Check here if you have no attorney (are a Self- Represented [Pro Se] Litigant)
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S I❑ Product Liability (does not include
mass tort) I .Employment Dispute:
E Discrimination
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C E] Other:
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T
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F1 Toxic Tort - DES
E] Toxic Tort - Implant REAL PROPERTY MISCELLANEOUS
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Updated 1/1/201.1
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PEE
FARM BANK NO.
STATE , J
ONE STATE FARM PLAZA
BLOOMINGTON,IL 61710
PLAINTIFF CD
vs.
m CO
CHRISTINE M BASSO - rD
645 HERRIN LN r - -
ENOLA PA 17025 CD�
DEFENDANT(S) yc --= ° f�
NOTICE TO DEFEND; +s
You have been sued in Court. If you wish to defend against the claims set forth in the following
pages, you must take action within twenty (20) days after this Complaint and Notice is served, by
entering a written appearance, personally of by attorney, and filing in writing with the Court your .
defenses or objections to the claims set forth against you. You are warned that if you fail to do so,
the case may proceed without you and a judgment may be entered against you by the Court without
further notice for any money claimed in the Complaint or for any other claim or relief requested by
the Plaintiff. You may lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE
A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE
CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland Co. Bar Association
32 South Bedford Street
Carlisle, PA 17013
800/990 -9108
aw 03,
O&H Ws
FILE N0. 10007878 ;P#xwo
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
STATE FARM BANK NO.
ONE STATE FARM PLAZA
BLOOMINGTON,IL 61710
PLAINTIFF
vs.
CHRISTINE M BASSO
645 HERRIN LN
ENOLA PA 17025
DEFENDANT(S)
NOTICIA
USTED HA SIDO DEMANDADO /A EN LA CORTE. Si usted desea defender conta la demanda
puestas en las siguientes paginas, usted tienen que tomar acci6n dentro veinte (20) dias despues que
esta Demanda y Aviso es servido, con entrando por escrito una aparencia personalmente o por un
abogado y archivando por escrito con la Corte sus defensas o objeciones a las demandas puestas en
esta contra usted. Usted es advertido que si falla de hacerlo el caso puede proceder sin usted y un
juzgamiento puede ser entrado conta usted por la Corte sin mas aviso por cualquier dinero reclamado
en la Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. Usted puede perder
dinero o propiedad o otros derechos importante para usted.
USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED NO TIENE
UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO.
ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN
ABOGADO.
SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE
INFORMACION ACERCA AGENCIAS. QUE PUEDAN OFRECER SERVICIOS LEGAL A
PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS.
Cumberland Co. Bar Association
32 South Bedford Street
Carlisle, PA 17013
800/990 -9108
FILE N0. 10007878
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
STATE FARM BANK NO.
ONE STATE FARM PLAZA
BLOOMINGTON,IL 61710
PLAINTIFF
VS.
CHRISTINE M BASSO
645 HERRIN LN
ENOLA PA 17025
DEFENDANT(S)
COMPLAINT
1. The Plaintiff is State Farm Bank (hereafter "State Farm ") with a place of business
located at ONE STATE FARM PLAZA, BLOOMINGTON,IL 61710
2. The Defendant, CHRISTINE M BASSO, is an adult individual, residing at 645
HERRIN LN, ENOLA PA 17025, CUMBERLAND County.
3. Plaintiff issued a credit card account to Defendant, and at all relevant times, Defendant
was the holder of a State Farm credit card (the "Card ") that enabled Defendant to charge items to
a State Farm Account (the "Account ").
4. At all relevant times, Defendant was the basic cardmember on the Account, and was
responsible for paying all amounts charged to the Account.
5. A credit card agreement (the "Agreement "), outlining the terms and conditions
associated with said account, was provided to Defendant during the time period in which the
Card was utilized and maintained by Defendant, and therefore, Defendant assented to the terms
and conditions contained therein, and a true and correct copy of the Agreement is attached hereto,
and incorporated herein, as Exhibit "A ".
6. By accepting and using the Card, Defendant agreed to all of the terms and conditions
set forth in the Agreement, including the following:
a. Defendant agreed that, as the basic cardmember, Defendant is liable for all
amounts charged to the Account.
b. Defendant agreed to make the "Minimum Payment" (as that term is used in the
Agreement) due each month, for charges on the account, by the payment due date
indicated on the monthly billing statements mailed by or on behalf of State Farm.
A true and correct copy of the statement(s) is /are attached hereto, incorporated
herein and marked as Exhibit "B ".
FILE N0. 10007878
c. Defendant agreed that if the payment was not made by the payment due date
indicated on the monthly billing statements, State Farm may assess additional fees
per the terms of the agreement.
d. Defendant agreed that in the event of default, Defendant would pay all
reasonable costs, including reasonable attorney's fees, incurred by State Farm in
collecting the balance due, including finance charges and delinquency fees, and in
protecting itself from any harm it may suffer as a result of the default.
7. Defendant used the Card to charge various items to the Account.
8. State Farm issued and sent to Defendant the Account Statements, which set forth in
detail all items charged to the Account, and the total amount due and owing by Defendant to
State Farm.
Count 1 - Breach of Contract
9. State Farm incorporates by reference the averments of paragraphs 1 through 8.
10. Defendant failed to make the minimum payment specified on the statements.
11. By reason of the foregoing, Defendant breached the Agreement with State Farm.
12. As a result of the breach, Defendant is personally liable to State Farm for the sum of
$6,389.39. See Exhibit "B" as previously identified and incorporated herein.
13. Despite due demand, Defendant has failed and refused to pay State Farm any portion
of the amount due and owing.
14. As a result of Defendant's failure to pay the amount that Defendant owes, State Farm
referred its claim to outside attomeys.for collection.
15. By reason of the foregoing, State Farm is entitled to judgment against Defendant for
breach of contract in the sum of $6,389.39, plus costs.
FILE N0. 10007878
WHEREFORE, State Farm demands judgment against Defendant on Count 1 in the sum
of $6,389.39, plus costs.
Respectfully submitted,
Amy F. Doyle, Es ` Are
PA Supreme Court ID 87062
Doyle Legal Services, LLC
11 East Market St., Ste 102
York, PA 17401
717- 885 -0718
877 - 202 -9420
717 - 885 -0726 (facsimile)
Counsel for Plaintiff
FILE N0. 10007878
VERIFICATION
I verify the facts set forth in this Complaint are true and correct to the best of my
knowledge, information and belief. I understand that false statements herein are made subject to
the penalties of 18 Pa.C.S,. § 4904, relating to unsworn falsification to authorities.
I am an employee of State Farm Bank employed in the position of Specialized
Collections Rep., and in my capacity as Specialized Collections Rep., for State Farm Bank,
the Plaintiff in this matter, I am authorized to make this verification on their behalf.
Date: U �!
Jex fifer cker -Vinse (employee of State Farm Bank)
, ,,-'S peciatEzpdCollections Rep., State Farm Bank
CHRISTINE M BASSO
- . oolk
EXHIBIT "A"
FILE N0. 10007878
STATE FARM BANK" FINANCE CHARGE under this Agreement may incr ease If the
Prime Rate increases. The -effect of an increase In the Pnme Rate
CREDIT CARD AGREEMENT AND wig be an increase in the amount of the Minimum Payment due
DISCLOSURE STATEMENT under this Agreement. We will calculate ANNUAL PERCENTAGE
RATES every month, based on the Prime Rate published in'the
The Parties to this Agreement 'Money Rates" table in Rte WaYwreet Journal two days prior to
In this Credit Card Agrooment and Disclosure Statement (this pour statement closing date for the bilfmg cycle, if two or more
'Agreement'), the words "you' and your` refer to each person who Prime Rates are published on that day, the highest of those rates
S requests that wa issue a Visa- credit card (a 'Card') to that person or will be used to calculate the rates of the FINANCE CHARGE under
Y for use by another person. If two or more persons request that we this Agreement. if two days prior to your statement closing date
issue credit cards on the same credit card account ( "Account'), the Is a day on which The Wall Sheer Jornnai t%w rot published, the
words 'you' and 'your mean each and either of those persons, previous business day on which The Wall Street Journal was
,i hndividuall and also all of those parsons. Jointly and severely. The publfhed will be used. ff The Wall Sheer Journal ceases
words 'we'. "us', "ouf and "Stara Farm Bank' mean State Farm pubikalion. or no longer publishes the prime rata, or changes the
Bank F,S.B., a federal savings bank located in Bloomington, Illinois• manner by which its prime rare is determined, we may select
LL DaGnitfors of addfaonal terms are contained in other paragraphs of another comparable index of short-tom interest rates to be the
this Agreement `Prime Rare' under this Agreement. The new ANNUAL
Your Acceptance of the Terms at this Agreement PERCENTAGE RATES, and the now da ppeedodic rates calculated
Dy muftiplyfng the new ANNUAL PERCENTAGE RATES by 11305,
If you apply for a Card from us, or use a Card the Issue to you, or use will apply to your Account beginning on the first day of the next
the account number associated with the Card, or if another pers on 6flfin¢ cycle of your Account after the date on which the new
uses the Card or account number with your authorization, you will be ANNUAL PERCENTAGE RATES were calculated and mil continue
deemed to have accepted and agreed to aft of the terms and to apply until now ANNUAL PERCENTAGE RATES and the
conditions of this Agreement corresponding dailyy periodic rates are calculated and have
if you do net wish to be bound by the toms and conditions of this become effective in the manner described in this paragraph. fie
Agreement, do not use the Card orauthonze another person to use it. now ANNUAL PERCENTAGE RATES and the corospording new
Instead, cut all of The Cards in two and return them to us. dally periodic rates may apply retroactively to the first day of the
billing cycle, and transactions that occurred during the baling
Now to Use Your Card cycle both prior to and attar the date the now ANNUAL
Subject to the terns of this Aggreement we will make loans to ou at PERCENTAGE RATES were calculated maybe subject to the new
our offices in Bloomington, IlDnofs when you use your Card (which ANNUAL PERCENTAGE RATES and the comespondirg new daily
tom as used in this Agreement includes use of the account number periodic rates for the entire billing cycle.
associated with your Card) as follows: Calculating the Average ga(fy Balances: We calculate an " avarage
(a) Purchases. You may use your Card to purchase or lease goods daily balance" separately for Purchases ;excluding introductory
or services ("Purchases ") from merchants who honor Vra credit period Balance Transfers), Cash Advances, introductory period
cards, Gussi -cash transactions, described below, are deemed to Balance Transfers, and any special rate offers (as applicable). To get
be Cash Advances and not Purchases. the "average daily balance" of your Account for each of these types
(b) Cash Advances. of transactions• tr take the beginning balance of your Account each
day, add any new Purchases (excluding introductory petiod Balance
(1) You may use your Card to obtain a Cash Advance at most Transfers), Cash Advances, Introductory period Balance Transfers or
banks that display the Visa logo. other special rate offers (s appficalth), and subtract any Payments
(2) You may use your Card, in conjunction with the personal and Credits applied to that type of transaction under the payment
identification number ( "PIN") we wig issue to you, to obtain a allocation method then in effect This gives us the daily balance for
Cash Advance at ' automated tailor machines ( °ATMs °) that each of these types of transactions, (Credit balances are treated as
bear the Plus' logo, The operator of the ATM may add a zero for purposes of calculating the daily balances.) Then, we add all
surcharge to the amount of the Cash Advance you request. If of the dairy balances for the billing cycle for each of these y s of
so, the surcharge will be part of the Cash Advance charged to transactions and dlvfde the respective totals by the number of days in
yourAceount, the billing cycle. This gives us the *average daily balance' for your
(3) You may use your Card to establish overdraft protection on a Account for each of these types of transactions. The average daily
checking account N permitted by your financial institution. balances include current transactions for Purchases (including
You obtain a Cash Advance each time your Card Is used to Balance Transfers) and for Cash Advances, except that if the
fund such overdrafts. Previous Balance of your Account was zero or a credit balance, or if
4) We may send you blnk norm of convenience checks or the total of Payments and Credits posted m your Account during the
( cash advance checks aChecks s s from time to lime. ft we do, billing cycle equals or exceeds the Previous Balance, Purchases osta you may use a Check to obtain a Cash Advance by signing daily balances of Purchases forrnepurp s s calculating the e a Finance
and completing the Check in accordance with the terms on Charge
the Check and any written materials that accompany it You
obtain a Cash Advance each time you use a Check and we Cash Advance Transaction Fee Finance Charges: If you use your
pay it when it is presented to us, including when you use a Card to obtain a Cash Advance, we twig assess a transaction fee
Check to purchase or lease goods or services. FINANCE CHARGE equal to 3% of the U.S, dogar amount of the Cash
(5) You may obtain a Cash Advance when you use your Card for Advance, subject to a minimum fee of S5.
items that are convertible to cash or similar cash-like Convenience Check Transaction Fee Finance Charges: If you write
transactions that we may designate from time to time. a Convenience Cheek issued by State Farm Bank against your
including wire transfer money orders. other money orders, Account . we will assess a transaction fee FINANCE CHARGE aqua( to
travelers cheeps, or foreign currency (so -caged °quasFeash' 3% of the U.S. dollar amount of the Convenience Check, subject to a
transactions). However, your Card may not be used to minimum fee of SS,
obtain, and we wig not honor requests for, a Cash Advance in Balance Transfer Transaction Fee Finance Charges: If you make a
the (in cluding font of came chips, hats wagers, gaming lfike. lm. lons Balance Transfer to your Account we will assess a transaction fee
(6) Certain establishments f maay y briery cash your inh your personal cheeks upon FINANCE CHARGE equal to 3% of the U.S, dollar amount of the
Balance Transfer transaction, subject to a minimum fee of $5 and a
presentment of your Card. In the event we are required to pay maximum fee of STS.
Ure amount of a check cashed in this manner because your
check Is not paid for any reason, we mad charge your International Transaction Fee Finance Charges: if you use your
Account for a Cash Advance in the amount o. the check and Card to make an Itnternathonat transaction. we will assess a
any processing charge we incur. transaction fee FINANCE CHARGE equal to 1% of the U.S. dollar
(e) Balance Transfers. You may use our Card to brarsfgr balances amount of the transaction. An international transaction is defined as
from other accounts to. your Card Account with us to 'Balance any transaction that was acquired In any country other than the
Transfer'), When you request a balance transfer, we will Write United States.
our check drlmnsfer funds to your other creditor Theamourtoi Calculating the Finance Charge: We figure the FINANCE CHARGE
our check or funds transfer twig be the amount of your Balanc-e on Purchases charged to your Account and a portion of the FINANCE
Transfer, Balance Transfers are deemed to be Purchases and not CHARGE on Cash Advances charged to your Account by multiplying
Cash Advances. However. interest may begin to accrue as of the each ot•the "average daily balances" of your Account by the
date the balance is transferred to your State Farm Bank credit applcable dairy periodic rate and then by the number of days in the
card Account. Balance Transfer transactions will riot be bdlfng cycle, and by adding the resulting products together. We then
processed if made payable to cash, to you, to any individual, to a add any Cash Advance transaction fee FINANCE CHARGES
deposit aeooun; or to a State Farm Bank credit card account. If calculated as provided above, any Convenience Check transaction fee
such a Balance Transfer is processed. State Farm Bank reserves FINANCE CHARGES Calculated as provided above, any Balance
tine right to convert the transaction to a Cash Advance. Transfer transaction tee FINANCE CHARGES calculated as provided
Credit Limit above, and any international Transaction fee FINANCE CHARGES
time to time. calculated as provided above. If the FINANCE CHARGE calculated In
We will establish a credit limit for year Account from
this manner is more than zero but less than minimum
Your credit limit will be shown on the initial Card mailer and on each
monthly statement of your Account, The total amount of credit monthly FINANCE CHARGE , wait/ we the FI NANCE CHARGE on be charged d to your
outstanding on your Account at any time must not be more than your mall A c We may, at our electio n waive
s
then Current credit limit We may also establish at any time a small Account balances.
separate credit limit (as a sublimit within the overall credit limit for Periodic Rate Evaluation: Any State Farm Bank credit card account
your Account) for Cash Advances. If we do, your outstanding Cash that has been open for at least six months will be subject to a
Advance balance at any time must not exceed the Cash Advance periodic rate evaluation. if as a result of this rate evaluation ft its
limil. We may change your credit limit or limits (rain time to time. deteminel that you are delinquent or are in default with Sate Farm
We vdg attempt to notify you if we do. Bank or any other creditor, that you have exceeded any credit line
Exceeding Your Credit Limit assigned to you by State Famn Bank, or that you have made a
you request credit in any tom which, i granted, wouM cause either payment to State Farm Bank that was not honored by your bank•
If
y State Farm Bank may Increase the ANNUAL PERCENTAGE RATES on
your total outstanding balance or your Cash Advance balance all balances ,'including any promotional rate). In deiomnining the
(including, in eidner case, authorized transecaons not yet posted to adjusted ANNUAL PERCENTAGE RATES, State Farm Bank may
year Account) to exceed your credit limit orpyrr Cash Advance credo consider the length of time your Account has been open, the severity
limn or any other credit siblimft we estibksh for your Account and 6mmg of any Account defaul of del nquency, as well as Account
whether or not such balances before IN request were friahe do IN Usage and performance.
r e spective credit @net we may. a1 our election: r) honor the request Repayment: Minimu Payment O GB lath Month
without permanently increasing your credit limit ?l honor the
request and treat Gne amount which is more than your credit limit as You promise to pay us the amounts of all credit you obtain (including
immediatleTy due: or (3' refuse m honor re request N we rehse to all Purchases and Cash Advances), ail fees and charges we assess
honor a Check or Ba�nce Transfer, we may advise the person against your Account and all Finance Charges as provided in this
presenting the Check or Balance Transfer that credit has been Agreement You agree to make your payments: in the amounts and at
refused. Ural there are insufficient funds to pay the Cheek or Babocs the times provided in this Agreement. Time s ct itie essence.
Transfer, or in any other manner. 0 we deods to honor such a We will provide a statement of your Account ar approximately
request we may assess an Overfmit fee as provided in this monthly uutenats d there has bean activity on your e. fr anue
AgreeTent charge is assessed during the preceding month. or Caere is a babunce
It we have pmriously honored requests for credit in excess of your (credit or debit) ln your Account exceedmq S1, unless we deem your
credit funk. that does not man that we wN tawir bather, evar-limfi Account to be uncoflecQble. or we have instituted delinquency
requests collection procedures, or furnishing the.statement would violate
federal taw. You may pay any amount up to the enth unpaid balance
When FINANCE E � C (the "New Balance') of your Account at arty time. You must pay
barges Begin to Accrue: each month at (east the Minimum Payment amount shown on your
(a) Purebases..Periodic ram Finance Charges Wig not Doom on new monthly statement by the Payment Due Date shown on the
Purchases posted to yourAecois8dtelrg the current filling cycle statement The Minimum Payment due each month for Accournsu
t the New Bairns, I any, shovm on the muntw Stamm for the sum of all past due amounts plus 1 % of the New Balance of your
the pravims brag cycle was a area balance or zero or was paid Account plus the amount of any Account Fees and FINANCE
in ful.by its Payment Due Data if.lfie Naor Balance was hot a CHARGES posted, to your Account during the filling cycle, or $10,
credit balance or zero and vas not pall in full by its Payment Du. whicheer s greater (or the entire New Balance If less than $10).
Dad periodc ran Smanee twgas on each Purchase (ndud ng The P ayment Due Date wi l be at least 20 days after the Closing Date
8aknce Transfers} will accrue d* from the transaction date shown on your monthly statement ff you overpay. or it a credit
Ural tae date each Pumbase ie ,o„ofy repaid according to Ole balance is otherwise created in your Account, we wig not pay utter --
payment allocation method then ineffect on such amounts. Your payments are not deemed to be received
(bl Avoiding Finance Charges os Hew Purchases, You.may avoid a until they ate posted to your Account See the mbnft8y satment of
Finance Chew on Purchases fast posted to your Account during your Account for deta8s on timely posting of payments. Mad your
the bourn la a if you pay the entire Near Ba lance show of your r stub, u sing the envelope c enclose e with your
Account not later than ante Payment Due Date shown an the statement or to the payment address provided. The cred'cing of
mo„ St atefnenicfyaurAecefurtforthatbtHngrycie. payments sent to arty location other than (he payment address or
(c) Cash Advances. Periodic rate Finance Charges on each Cash received in any other manner may be delayed. Do not send
Advance Will aeaue d* from the transaction date urd the date cormspondence any type to the payment address. When you
each Gash Advance is eompttety repaid according to the provide a check as payment, you authorize us either to use
payment allocation method then in effect information from your check to make a one -time electronic fund
(d) Transaction Dates for CeAafd Transactions. The transaction transfer from your account or to process the payment as a check
date for Cash Advances obtained by a Check is the date we transaclioa When we use infonnationfrom your check to make an
process the ChecX electronic fund transfer, the funds may be withdrawn from your
Periodic Rates of the Finance Charge: The periodic rates we us? to account as soon as the same day we receive your payment and you
om ee a ra portion of the FINANCE CHARGE on your Account in4� r a of )cur ache unb plea cal us inancia in 1-8TT . For r
(a) Rate of financ Charge on Purchases. With respect to all NSA (1.877- 734 8472) or wih tis at PO Box 84062, Columbus.
Purchases (dude g Balance Transfers): (1) - Referred Pricing. Geoigia 31908 -4062.
The Saily periodic rate the use to.compute the FINANCE CHARGE Your payments wig be ?located among the chaiges.on your. Account
on all Purchases is a variable ale Which is 11365th of the sum of in the manner we determine, without regard to any contrary
the Prim: Rate plus the Preferred Pricing spread ate for Instruclions from you. in most instances, we will allocate your
Purchases, which was previously disclosed on your card carrier. payments to balances iincluding new transactions) with lower APRs
The eonesponding ANNUAL PERCENTAGE RATE of the FINANCE before balances with hgber APRs. This wig result in new balances
CHARGE Is.the Prime Rate plus the Preferred Pricing spread rate with a lower ate of interest being paid before any other existing
for Purchases. The minimum Preferred Pricing ANNUAL balances. Even though your payment may be credited to your
PERCENTAGE RATE of the FINANCE CHARGE Is 9.99 %. The Account in the billing cycle in which the payment is received, your
minimum daily periodic rate used to compute the. FINANCE available trail(: may not be increased by the amouni of the payment
CHARGE on Purchases is 8.0274%. (2i Defauit Pricing. If you until your payment has cleared.
fail to make a minimum monfhly payment by the payment due if you pay more than the Minimum Payment due, we .aQ apply the
date, exceed your credit limit or make a payment to is that is not excess payment amount to rduce your total outstanding balance.
honored, we may increase the ANNUAL PERCENTAGE RATE on and you Val continue to be obligated to make any Minimum Payment
all account balances (including any promotional rate). In in succeeding months.
deteimfning'the adjusted ANNUAL PERCENTAGE RATE, we may We can refuse to accept payments not denominaaad in U.S. dollars or
consider the length of time your Account has been open, the not drawn on a domestic office of a U.S, bank You agree not to use
severity and timing of any Account detaulf or defvpuency. as well a State Farm Bank Balance Transfer, Convenience Check Cash
as Account'usage and performance. It Oefauh Pricing is applied Advance Check, or the proceeds of a Cash Advance to make any
to your Account it will became effective with the fhst day allhe payment on your Account.
next bNmo cycle and the daft' periodic ate we terse to compute Our Right to Require Immediate Payment
the FINANCE CHARGE on Purchases Is a variable rate which is
11365th of the sum of the Prime Rate plus a percent not to You wig be in default and, at our election, we vin. require Immediate
exceed 20.99". The corresponding ANNUAL PERCENTAGE paymenipf all amounts you owe us without notice or demand a:
RATE of the FINANCE CHARGE is the Prime Rate plus a percent (1) you fad to pay any amount owed under this Agreement exaCliy
notto exceed 20.99%. when due: or f.) you exceed your credit limiter it we have
(b) Rate of Finance Charge on Cash Advances. With respect to ail established a separate Cash Advance credit limit or other credit
Cash Advances: (1) Prglerred Priclno, The daily pericdlc rate we sublimh for you. your di slandfng Cash Advance balance exceeds
use to compute the FINANCE CHARGE on all Cash Advances Is a your Cash Advance credit limit or you exceed any other credit
variable rate which is 11365th of the sum of the Fnme irate plus subHmfr, or (3) you fail to abide by any other term of this Agreement:
the Preferred Pricing spread rate for Cash Advances, which was or (4) you default on any other credit obligation you have with us or
previously disclosed an your card carrier. The conesponi ino writ another creditor, or (5) your ability to pay us is matedaliy
ANNUAL PERCENTAGE RATE of the FINANCE CHARGE I S the Impaired {including, without limitation, if you file or have filed against
Prime Rate plus the Preferred Pricing spread rate for Cash you as debtor a proceeding order any chapier of the Bankruptcy
Advances. The minimum Preferred Pricing Cash Advance Code).
ANNUAL PERCENTAGE RATE of the FINANCE CHARGE is Collection Costs
19.99%. The minimum daily periodic ate used to compute ih: h you are in default, unless prohibited by applicable law. you also
FINANCE CHARGE on Cash Advances is 0.0548%. (2) Oefauh must pay its or reimburse us for all costs and disbursemenis.
P&dm If you fail to make a minimum monthly payment by the including reasonable attorney's fees, incurred by us in legal
payment due date, exceed your credit limit of make a payment to proceedings (including bankruptcy proceedings) to collect or enforce
us that is. not honored, we may increase the ANNUAL theftt
PERCENTAGE RATE on an balances including any promotanai Payment Holidays
ate). In d= teiminng the adjusted ANNUAL PERCENTAGE RATE,
we may consider the length of time your Account has been open, From time to time, solely at our option, we may allow you to skip one
the severity and timing of arty Account default or delinquency, as or more monthly payments. We will notify you when this option is
well as Account usage and performance. U Defaulf Pricing is available. If you skip a payment, Finance Charges (and credit
applied to your Account it will become effective with the first day protecilon fees. II any) will continue to accrue on your Account
of the next billing, cycle. and the daily periodic rate we use to balance in accordance with this Agreement. The requirement that
compute the FINANCE CHARGE on Cash Advances is a variable you make the Minimum Payment due each month will resume
ate which Is 1/365th of the sum of the Prime Rate plus a percent following the payment holiday.
not to exceed 20.997,. The corresponding ANNUAL Transactions Made in Foreign Currencies
PERCENTAGE RATE of the FINANCE CHARGE is the Prime Rate It a transaction is made in a foreign currency. we and Visa
plus a percent not to exceed 20,99 %. International will convert the transaction into a U.S. dollar amount.
(c) Variable Rates of the Finance Charge: The ANNUAL Visa will act in accordance with their operating regulations or
PERCENTAGE RATES under subparagraphs 'a) and (b) above arc conversion procedures in effect at the time the transaction is
variable rates based on the Prime Rate pub fished in the "Money processed. A rate selected by Visa from.the range of rates available
Rates" table in The Wall Street Journal. The rates of the in wholesale currency markets for the applicable central processing
... cOMWUED nN REVEFSE SIDE
date, which rate may vary from the rate Visa itself receives, or the information Gathering and Sharing
government - mandated rate In effect for the applicable central please refer to he State Farmw - Notice or Privacy Poiicy° for our
processing date. In each instance. plus or minus any adjustment policies on collecting, using, securing and sharing nonpublic
de�ernined by us. Tna currency conversion rate calculated in this personal information. Additional copies of our 'Notice of Privacy
minor that is in effect on the processing date may differ from the rate Policy' are available by calling us tolFfree at 1. 877 -3F4 -8ANK (I.
In effect on the transaction date or the posting date. When any 877 -734- 2265), on our wabsi(e (sta(efarm.comR), or from your
transaction must be converted back Into a fore9n currency because kcal State Farm agent
of a refund or other reversed transaction, the same currency
conversion lonnula will apply, ff you believe that inaccurate or incomplete information about you or
Billing Cycles of Your Account your Account has been shared by us with a credit reporting agency,
write to us at: SWo Farm Bank PO Box 84062, Columbus. Georgia
Each billing cycle of your Account begins on die day alter tie closing 51908 4062. Please Include your name, address, home phone
date shown on the preceding monthly statement of your Account and number, and Account number, and explain which information you
ends on the closing date shown on the monthly statement of your believe is Inaccurate or incomplete.
Account for the current month. A billing cycle occurs even if you do Governing Law
not receive a monthly statement of your Account as otherwise
provided in this Agreement. This Agreement. including, without limitation, the hnprest to be
Account fees and Charges charged, s governed by Federal law and by the laws of the State of
Iginos to the extent that Federal law is not controf1mg, without, regard
The following fees will be charged to your Account as a Purchase in to its conflict of laws principles.
the billing cycle in which the charges are incurred: (a) a late Severabl r Nd Waivers
Payment Fee it vie do not receive payment to an amount at least
equal to the Minimum Payment due shown on the monthly statement if any pan of this Agreement is found to be (rtvaffd, die rest ten, alns
of your Account by the Payment Due Date shown on the statement effective. Any failure or delay by us in oxemising any of our rights or
The amount of the Late Fee will vary based on life New Balance of remedies under this Agreement or under applicable law does not
your Account at the closing date of your billing cycle as follows: 315 mean that we will not be permitted to exercise those rights or
it the Now Balance is less than 5500; S29 irdie New Balance is SSW remedies later. We may accept late payments or %anal payments
or greater but less than $1400; S34 if the New Balance Is $1000 or without losing any of our rights or remedies, You have not waived
greater, (b) an Ovedimh Fee of $34 H your Account balance exceeds under this Agreement any of your lights or our duties under the
your credit limit or any separate Cash Advances credit limit for your Illinois Finamc l Services Development Act.
Account (even If fees assessed b us cause yourAcount balance to Binding Arbitration
exceed your credit filing). chaiged your Account as of the first day Any claim or dispute (including any counterclaim) by either you or us
in the filling cycle that your Account balance Exceeded your credit against the other. arising from or relating in any way to this
limit or exceeded any separate Cash Advances credit limit for your Agreement, or any solicitation or negotiation preceding this
Account; (c) a Returned Payment Fee of S-34 if a check or draH you Agreement, or any prior agreement, or your Account, or any
sand us as a payment on your Account is returned for Insufficient insurance coverage charged to your Account. or any relationship
funds or for any other reason; (d) a Returned Chaek Fee of S34 if we resulting from any of the foregoing (whether based on a statute.
return a check unpaid for any reason: (a) a Stop Payment foe of 834 contract, tort or other legal theory and whether for money damages,
for each Check on which you request as to stop payment and for penalties, or declaratory or equitable relief), Including disputes
each renewal of your stop payment request (if a Statement Reprint regarding the applicability of this Arbitration Agreement to the claim
Fee of $5 for each copy of a monthly statement (two cap les may be or dispute or the validity of this Arbitration Agreement, where the
requested each 12 months without charge); ((g) a Copy Fei of $5 for amount of the claim or ds ule (individually or in die aggregate for all
each copy of a sales draft (If it is datermfnod that a billing error claimants) exceeds S25, 00, or Is for an unspecified amount or
occurred involving the requested monthly statement or sates draft includes a claim for purr(dve or exemplary damages or emotional
the charge will be waived or reversed.); and (h) a Sts per hour (with distress, or is brought as a class action or as a private attorney
a•S10 minimum) Account Research Fee for account research general action (each, a "Claim'), shall be resolved solely (n your own
Incurred In seivking your account name and behalf by binding arbitration.
Unless prohibited by applicable late, we may charge your Account, as abandoned You or Slate Farm Bank ' elect to have any claim that s not
a Purchase, the amount any rests incur i complying with covered above, that s nn any claim that is for $25,000 or less, resolved
Account or unclaimed property Jews writ regard to your by binding arbitration. Such election made by one party shag be
Authorized Use.of Your Card by Others binding on both parties.
U you permit any person to have access to your card or Account The arbitration shall be conducted by the National ArbitratPon Forum
number with the authorization to make a charge, or q you request us ( 'NAF') under its Code of Procedure (the "Rules`j in off -ct at the
to issue a Card on your Account to another person, you will be liabfs time the Claim is filed. Copies of the Rules and claims forms of the
for all changes made by that person, including charges you may not for may be obtained and Claims may be Cited at any National
have intended that person to make. Arbitration. Forum office, online at www.aibdorim.com or by mail at
PO Box 50191, Minneapolis, Minnesota 55405, telephone 1.800 -
If you are an authorized user slid you use ibis Account you are liable 474.2371. Or, you may can us, and the will give you Information on
for each transaction you make on the Account plus an Finance how to obtain a copy of the Rules without charge. if the NAF Is
Charges. Other Fops and Charges, and expenses provided in this unable ar unwilling to act as arbitrator, we may substitute another
Agreement and Waited to such transactions, ff you are an authorized nationally recognized independent arbitration organization that uses a
user, your liability does not relieve any cardholder under this condo of procedure simliar to the Rules. The Rules contain provisions
Agreement from lability for the authorized users transactions tintl whereby the arbitration filing lea, administrative fee arWor hearing fee
paid. may be waived or deferred under certain conditions upon your
Special Provisions Regarding Checks request in our sole discretion, we may advance any arbitration filing
You may stop payment on an unpaid Check by providing us with me fee, administrative and hearing fees which you are required to pay to
and payee exac
t, t as the a ppear on Pursue a Claim y arbitration. If we paying the ose f ees. will decide who
check number, dollar amount Y P will be ultimately responsible for paying those fees. Acv t loo
the "heck. A stop payment request expires six months after the dot: hearing at which you appear in person will take place within n the
we accept your stop payment order unless you gnaw it in writing federal judicial district that includes your billing addr -ss at the time
within tw,o weeks prior to the expiration date. If you stop payment on the Claim is filed.
a Check, the will charge a Stop Payment Fee to your Account as
providedIn this Agreement This Arbitration Agreement is made pursuant to a transaction
it you post date a Check we may horror the Check immediately upon involving interstate commerce and shall be governed by the Federal
presentment or return it unpaid, at our election, ;%About in either case Arbitration Act, 9 U.S. Sections 1.16 ('FAA "). Judgment upon the
for any loss or xpense u by you arising ou•, of the aictioo Y
we The arbitration
shall follow entered sting substantive court law (to the e
elect to take. consistent vri;h the FAA) and applicable statutes of limitations, shall
honor any claims, defenses, and privileges recognized by late, and
You may not use a Check or any other Cash Advance to make a may grant the same relief a coon of ompotera jurisdiction could
payment under this Agreement or any other credit account you may grant In an Individual action. If any party so requests, the arbliator
have with us. will write an opinion containing the reasons for the award.
Certain limitations an Use of Your Card No Claim submitted to arbitration is heard by a Jury and no Claim may
Your Account Is a consumer credit account. You must not use your : as a class action or as a private attorney general. you do
Card primarily for business or commercial purposes, of , ,he right to act as a class representative or participate as a
You must not use your Card for any unlawful purpose or In any illegal member of a class of claimants with respect to any Claim.
transaction. This Arbitration Agreement shall survive the termination of your
Additional Cardhofder Benefits Account with us as well as any payment In fug of the debt you owe
We may offer you cer•.ain additional cardholder benefits from &no to us under this Agreement, any bankruptcy by you. and any
time, including balance transfers, interest free special purchases, and assignment of the debt by us.
temporary APR reductions. Any such benefits, if offered and For the purposes of this Arbitration Agreement, "we" and "us"
promded to you, will be subject to the restrictions outlined In the includes our parent, subsidiaries, affiliates, officers, directors,
benefits brochure we provide to you. How -vex, unless otherwise eMT10Yaes, agents, licensees, predecessors, successors, assigns,
stated in the promotion, the terms of this Agreement shag also govern and any purchaser of your Account, and all nfflcers. directors,
any such Special Purchase Promotion. We reserve the right to employees, agents and assigns or any and all of them, and also
change, add to or discontinue these benefits and services at any time includes any third parry providing bonelits, services, or products in
w(dmut noise to you. connection with your Account (Including but nor limited to credit
Refusal to Minor Your Card; Refused Authorizations bureaus, merchants that accept any credit device issued under the
We Will not be fiable 9 any other bank aril ATM, or any salter or Account, rewards or enrollment services, credit insurance
lessor of goods or services refuses to honor your Card or retains companies, debt collectors and all of their officers, directors,
your Card when you attempt to use It. Even though you have employees and agents) d, and only it, such a third party is named by
available credit an yOurAcoum. we may fail or decline to authorize a you as a co- defendant in any Claim you asses against us. Also, for
the purposes of this Arbitration Agreement, "you" or `yours" shall
paricular transaction due to operational difficulties or, at our mean any person or entity approved by us or you to use your
discrelbnfor other reasons we deem tobeappropriate. Account, including but not limited to ail persons or entities
fang and Wagering iramclians contractually obligated on your Account and all authorized users of
The State fern Bank credit cards not to be used for any gaming of the Account
wagemg transactions, Including transactions for casino chips. bets,
wagers, Internet gambling or any other gaming or wagering U any par of This Arbitration Agreement is found to be invalid or
transaction. Sate Farm Bank will decline transactions for casino unenforceable under any law or statute consistent trdh the FAA the
chips. bets, wagers. Internet gambling or any other gaming or remainder of this Arbitration Agreement shag be enforceable without
wagering Uameactlon regard to such invalidity or uneriforceabi ry.
Suspeesion or Tette+eatim of Your Credit line Wilh tespect to all claims that are not resolved by binding arbitration.
We may suspend or terminate your right to obtain additional credit al you and we hereby WAIVE THE RIGHT TO A TRIAL BY JURY.
=y time. _ A9 Cards we Issue to you or at your request remain our THE RESULT OF THIS ARBITRATION AGREEMENT IS THAT, EXCEPT
property, and you agree to retttm all such Cants tows a,. our request AS PROVIDED ABOVE CLAIMS CANNOT BE LITIGATED W COURT.
Yaumaytemtmatayourrighttoobtainadimonalcred itatanytimeby two INCLUDING SOME CLAIMS THAT COULD HAVE BEEN TRIED
cutting all urap ed Cards outstandig on y6ir Account in and BEFORE A JURY, AS CLASS ACTiONS. OR AS PRIVATE ATTORNEY
retuning them to us. Your 011gations under this Agreement continue GENERAL ACTIONS.
unchanged after your right to obtain credo has been suspended or
&irmkk0d by you or by us. YOUR 81LLING RIGHTS
OvAmon of a Carftwrs Keep this notice for Urlum use.
All joint accourntlalders ate udhidl taly and Jointly responsible for This notice contains important Information about your rights and our
paybg the etmre oh wzdng bakm on the Account fttwo or more responsibilities under the fair Credit Biting Act
persons are responsible for prA any owstanding balance, we may Notify Us in Case of Error or Questions About Your Bill. If you think
rehse to release ary of them from liability ung ag of the unexpired your bill is wrong, or if you need more information, about a
Cards outstanding on the Account have been returned to us and the transaction on your big Yrrhe us on a separate sheet at Slate Farm
Acodunt balance is pad in Id The obligations of the other obligated Bank PO Box 84062, Columbus, Georgia 319.^8406Z Write to as
Persons will rat be affected by the release or discharge of one or as soon as possible. Do not send the. notice on or with your
more of the persons who ate rosponsible for paying all or any, part of payment. We must hear from you no later than 64 days after we sent
IN Account you the first big on which the error or.problem appeared. You can
Atiaethdrttivtk telephone us, but doing so will not preserveyournghts.
We may amend this Agreement at arty time to change, add, or delete In your letter. give us the following: (1) your name and Account
provisions upon 15 days notice to you prior to the effective date of number; (2) the dollar amount of the suspected error, and (3) a
the change or, ifkriger, such notice ass required order applicabk description of the error and an explanation, if you can, of why you
provisions of federal law ar the laws of the State .01 POP is. The believe there 9 an error. If you need more Information, describe the
notice may be included on or with the man* statement of your hem you are ncfsure about
Account Urdess.otherwise pmvrded.by law, the notice period begins Your Rights And Our Responsibilities After We Receive Your
to nn when we Mao or deliver the notice of change in terns to you. Written Notice, We must acknowledge your letter within 30 days,
U an amendment gives you the opportunity to reject the amendment, unless we have corrected the error by th Within ?0 days. the must
and if you reject the amendment in the manner provided in the eifhercorrectthe enarorexplain why we believe the billwas conrM
amendment. via may Ienrtuwta our do-to receive additional credit After we receive your letter, we cannot try to coffect any amount you
M may require you to farm all credit devices as a condition of your question or report you as delinquent We can cdminue to bill you for
rejection of the amendment U the amendment so provides, the the amount you question including Finance Charges, and we can
amended Agreement (Wading an increased rate or amount of apply any unpaid amount against your credit limit You do not have
fmance ehart,►e and other increased dtarges and fees) will apply to all to pay any questioned amount while, we are investigating, but you are
then oigstarding unpaid irwlafitedness in yourAccount, indfudfrhg any still obligated to pay the pacts of your big that are not in question.
such indebtedness that arose out of. Purchases or Cash If we find that we made a mistake on your bill, you will not have to
Advances obtained prior to the effective date of the amendment. This pay arty Finance Gh
Agreement may not be amended except in writing. We may replace , you may ha to pay n any questioned Charges we ofd
cot ma
your Card with another credit card at any tune, mike a mistake, you may hav Charges, a and you
will have to make up any missed paymeants ts on the questioned
Any letter, payment instrument or other communication you direct to amount In either case, we will send you a statement of the amount
his with the intent to amend this Agreement must be sent to us In you owe and the date that it is due.
willing at: State Farm Bank PO Box 84062. Columbus. Georgia If you fail to pay nhe amount that we think you owe, we may report
3190840E? If any such payment instrument is received at any you as delinquent However. if our explanation does not satisfy you
otheraddress. ive may accepts n. paymerttitsmrment hvhich 01 not and you write to us within twenly-five (25) days teeing us that you
constitute consideration, and no amendment to the Agreement shall still refuse to pay, we mustleg anyone we report you to that you have
have been affected. Amendment of your Agreement iequires a a question about your bill, and we must ts6 you the name of anyone
written agreement signed by one of our authorized representatives. we report you to. We must tell anyone we report you to that the
Communica9dns Concerning Disputed Debts matter has been setlkd-boween us when i finely is.
Any payment Instrument you send us for less than the fug balance ff we do not follow these rules, we cannot collect the first S50 of the
due that is marked "paid in full' or similar notation, or that questioned amount even Nyour Dill was darnel
olheiwisse tender in lug sWraclion of a disputed amount must be you Special Rule for Credit Card Purchases. 9 you have a problem with
sem'to State Farm Bark, PO Box 84062, Columbus, Georgia 31908• the quality of the . property or services that you with a
4062 We reserve all our rights regarding such instruments. For credit card, and you have tried in good fahn to correct the problem
example, fi it is determined there is no valid dispute or if any such with the merchant, you. may have the right not to pay the remaining
instrument is received at any other address, we may accept the amount doe on the property or services. There are two limitations on
Instrument and you will still awe arty retraining balance. Or. we may this right:
refuse to accept any . such instrument by returning it to you, not (1) You must have made the purchase in your home state a,, i
cashing ft, ordestreying it Satisfaction of your debt for less than the nor within your home state. within 100 miles of ynur current
full amount due requires a written agreement, signed by one of our mailing address, and
authorized representatives.
(?) The purchase price must have been more than $50..
Change of Name or Malting Address These limitations do nor apply N we own or operate the. merchant, or
You must notify us immediately of arty change of your name or it we mailed you the advenfsemem for the property or services.
malting address from That shown on your latest monthly statement Transactions with Merchants
The Pa f your monthly statement contains a form you may use for
this se, Return Policy, If a merchant, discloses a policy such as no returns',
Assignment "no refund", "no return or credit without receipt, "as is ", 'store
credit only", or "all sales final', you will be bound by that policy when
We may at any time, and wilbou: notice to you, assign your Account you use your Account to buy goods or services from that merchant.
any sums due an your Account this Agreement, and bur rights or Reservations. When rising your Account to make travel or lodging
obligations under, your Account and this Agreement to any person or reservations, obtain the merehaars cancellation policy and follow it i
enmity. The person ore" to whom we make any such assignment you cannel. If you cancel. obtain the merchants eanrtetlation number
shaft be entitled to all of our rights under this Agreement-to the extent that it is required to give you. The merchants may charge you for• a
assigrred. You may not assign your fights under this Agreement. cancelled transaction, unless you can provide us with the merchatm
Unauthorized Use of Your Account cancellation number. Recurring Transactions, g you authorize a
Please ratii Y P us immediately of the loss, theft, or ossibla merchant to charge youhAccount for repeat transactions with your
Card, you must notfy the merchant when you want to discontinue the
unauthorized use of your Card. You may be gable for unauthorized repeat transactions or it your Account is closed or a now Account
use of�yyour Card g your gross negligence results In unauthorized use. number a ssued by us. Dispute Assistance. If you disagree with a
You wi&I not be liable for•unauihorized use That occurs after you notili transaction on your statement or have.a dispute with the merchant as
its in writing at State Farm Bank, PO Box 94062, Columbus, Georgia a result of the transaction, you will provide information or assistance
31908.4062, of the loss, theft, or possible unauthorized use. In any we reasonably request Otherwise. you will pay us for any resulting
case, your Wbaity for unauthorized use will not exceed $0. loss we have unless we are prohibited by applicable law from holding
Please sign your Card immedlarely after you receive it. Please you gable for our loss.
safeguard your Card like you would if it were cash. Do not disclose Notice for Married Wisconsin Resldents. No pruvislon of any marital
your PIN to anyone else. properly agreement unilateral statement or court order applying to
Monitoring Telephone Conversations marital property will adversely affect State Farm Bark interests unless
Prior to the time credit is granted. State Farm Bank is furnished with a
You consent to aid authorfze us, any of our affiliates, and our copy of the agreement statement or court order. or State Farm Bank
markeing associates to monitor and/or record ( unless prohibited by has actual notice of the provision. Married Wisconsin residents must
favq any of your telephone conversations with our ripresenlalives or furnish the name and address of their spouse to State Farm Bank at
the representatives of any of such companies. PO Box 84061 Columbus, Georgia 31908.4062.
Fn17f 17.t lY0:se116
EXHIBIT "B"
FILE N0. 10007878
Account Number: 4707 - 8896 - 5500 -2636 . ""' Banke
New Balance: $6,389.39
Payment Due by SPM (ET) on: December 25, 2012
INSOCANtI Minimum Payment Due: $6,389.39
Amount Past Due: $6,389.39
Amount Enclosed: $
STATE FARM BANK
PO BOX 23025
COLUMBUS GA 31902 -3025
Make Check Payableto: STATE FARM BANK®
CHRISTINE M BASSO Please check box for address or telephone
645 HERRIN LN ** 0080197 change.
ENOLA PA 17025 -1614 (Complete form on the reverse side).
4707889655002636 006389393 006389393
. ..........3 - Detach here. Please make check payable to STATE FARM BANK and send with this remittance slip_in the enclosed envelope .
For 24 Hour Good Neighbor Service, Page 1 of 4
D
Bank, Please Call: Statement Period: 10/29/12 - 11/28/12
1- 877- SF4- VISA(1- 877 - 734 -8472) Account Number: 4707 - 8896 - 5500 -2636
IptY�NC[
Additional contact Information Payment Due
located on reverse side. b 5PM ET on: December25, 2012
Summary of Account Activity
Previous Balance: $6,389.39 Total Credit Limit: $0.00
Payments & Credits: $0.00 Available Credit Limit: $0.00
Purchases & Other Charges: $0.00 Cash Advance Limit: $0.00
Cash Advances: $0.00 AvailableCash Advance Limit: $0,00
Fees Charged: $0.00
Interest Charged: $0.00 Closing Date: November28, 2012
New Balance: $6,389.39 Number of Days in Cycle: 31
Payment Information
New Balance: $6,389.39 Minimum Payment Warning: If you make only the minimum
Minimum Payment Due: $6,389.39 payment each period, you will pay more in interest and it will take
Payment Due by 5PM (ET) on: December 25, 2012 Ion er to payoff your balance. For Exam le:
Late Payment Warning: If we do not receive your minimum payment If you make no You will pay off the And you will end
by the date and time listed above, you may have to pay a late fee up to additional charges balance shown on up paying
$0.00. using this card this statement in an estimated total
and each month about... of...
you pay...
Only the minimum 0 months $0
payment
If you would like information about credit counseling services, call 1 -877- 734 -8472.
Transactions For: 4707 - 8896 -5500 -2636
Posting Transaction Reference
Date Date Number Description $ Amount
2012 T OTA L YEAR -T = DATE
Total Fees Charged in 2012 $897.51
Total Interest Charged in 2012 $419.23
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Balance
Percentage Subject to Interest
Type of Balance Rate Interest Rate Charge
Purchases 0.00% $6,389.39 $0.00
Please enter change of address or telephone number below:
Address
City State Zip
Home Phone (include area code) Work Phone (include area code)
To Contact Us Regarding Your Account
m ?
By Telephone: Send Inquires to: Mail Payments to: Visit Our Website:
In U.S. 1- 877 - 734 -8472 P.O. Box 87 P.O. Box 23025 www.statefarm.com
Espanol 1- 877 -734 -8472 Deposit, New York 13754 -0087 Columbus, Ga 31902 -3025
TDD 1-877- 593 -3879
Outside U.S. 1 -706- 644 -0852
Information About Your Account
Here Is How We Calculate Your Interest Charges:
Your statement has a "Interest Charges" section. For each type of Making Payments Disputing Account Information Reported to Credit Bureaus:
transaction M the "Interest Charges" section, we calculate an average You must pay all a part of your New Balance at any time. however, We furnish information about your account to credit bureaus. You have
daily balance and multiply It by the Daily Periodic Rate for that balance you must always pay at least the Minimum Payment by the Payment the right to dispute the accuracy of the information reported by writing
and by the number of days in the billing cycle. Then we add all these Due Date. Mail your payment, made In US dollars, accompanied by to us at: State Farm Bank, PO Box 94, Deposit, New York 13754 -0094.
products together and we add any transaction fee that applies. This the upper portion of your monthly statement in the enclosed return
gives us the Interest Charge. envelope or to the payment address State Farm Bank, PO Box 23025, Send All Bankruptcy Notices and Documents To:
Columbus, GA 31902 -3025. Pay by check or money order, and be sure State Farm Bank, PO Box 2327, Bloomington, 11 61702-2327
Here Is How We Determine Each Of Your Average Daily to allow sufficient time for your payment to reach us by the Payment
Balances: Due Date. When you provide a check as payment, you authorize us Reporting Loss, Theft or Unauthorized Use of Your Card
We calculate an "average daily balance" separately for Purchases either to use Information from your check to make a one -time Call us Immediately, 24 hours a day, toll -free at 1- 877 -SF4 -VISA
(excluding introductory period Balance Transfers), Cash Advances, electronic fund transfer from your account or to process the payment (1 -877- 734 -8472) if you suspect the loss, theft or unauthorized use of
Introductory period Balance Transfers, and any special rate offers (as as a check transaction. When we use information from your check to your Card. You will not be liable for unauthorized use that occurs after
applicable). To get the "average daily balance" of your account for make an electronic fund transfer, the funds may be Withdrawn from you notify us at the above toll -free number or at PO Box 94, Deposit,
each of these types of transactions, we take the beginning balance of your account as soon as the same day we receive your payment and NY 13754 -0094, orally or In writing, of the loss, theft, or possible
your account each day, add any new Purchases (excluding introductory you will not receive your check back from your financial institution. If unauthorized hue. In any rase, your liability will not exceed $50.
period Balance Transfers), Cash Advances, introductory period Balance You have any questions about ACH, please call 1- 877 -SF4 -VISA
Transfers or other special rat offers (as applicable), and subtract any (1- 877- 734 - 8472). All payments (including phone remits, overnight Payments with Special Handling Instructions
Payments and Credits applied to that type of transaction under the mall, etc) received by us at the payment address by 5:00 P.M. Eastern Any payment Instrument you send us for less than the full balance due
Payment allocation method then in effect. This gives us the dally Time Monday through Friday (our normal business days), will be that is marked "paid in full" or similar notation, or that you otherwise
balance for each of these types of transactions. (Credit balances are credited to your Account as of that day. All payments (including phone tender In full satisfaction of a disputed amount, must be sent to State
treated as zero for purposes of calculating the daily balances.) Then, remits, overnight mail, etc) received by us at the address indicated Farm Bank, PO Box 2326, Bloomington, IL 61702 -2326. We reserve all
we add all of the dally balances for the billing cycle for each of these after 5:00 P.M. Eastern Time or on any non -bank business day, our rights regarding such instruments. For example, if it is determined
types of transactions and divide the respective totals by the number of including bank holidays, will be credited to your account on the mere Is no valid dispute or If any such Instrument is received at any
days In the billing cycle. This gives us me "average daily balance" for following bank business day. The Crediting of payments received in other address, we may accept the Instrument and you will still owe
your account for each of these types of transactions. The average daily any other manner may be delayed. any remaining balance. Or, we may refuse to accept any such
balances include current transactions for Purchases (including Balance Instrument by returning it to you, not cashing it, or destroying it. All
Transfers) and for Cash Advances, except that If the Previous Balance State Farm Dollars® other payments should be sent loo the payment address shown on the
of your amount was zero or a credit balance. Purchases posted to your If eligible, you will automatically earn State Farm Dollars in accordance front of this statement.
amount during the billing cycle are not included in the dally balances with the terms and conditions disclosed in your State Farm Dollars
of Purchases for purposes of calculating the Interest Charge. Terms and Conditions bruchure on purchases you make with your Service for the Hearing Impaired (TDD/TYY)
State Farm Bank Visa Card. Once you earn 50 State Farm Dollars, you For any questions or other communications about your Account, please
If mere is a M next to the Daily Periodic Rate on the front of your can apply your reward Dollars to the State Farm products of your contact our service for the hearing impaired at 1- 877 -593 -3879.
statement, this means that the rate may vary. The variable APR is the choice by accessing your account online at statefann.com or calling
Prime Rate plus your margin as disclosed in your Credit Card 1-877 -SF4 -VISA (1 -877- 734 -8472). Special Rule for Credit Card Purchases
Agreement and Disclosure Statement and any amendment(s) thereto. If you have a problem with the quality of goods or services that you
Billing Rights Summary purchased with a credit card, and you have tried in good faith to
If the "INTEREST CHARGED" on the front of your statement Is $1.50 correct the problem with the merchant, you may not have to pay the
(or a lesser amount as disclosed in your Credit card agreement, as In Case of Errors or questions About Your Bill remaining amount due on the goods or services. You have this
amended), then the Minimum Interest Charge has been applied to If you think your bill is wrong, or it you need more Information about a protection only when the purchase price was more than $SO and the
your Account during the billing cycle. transaction on your bill, write us on a separate sheet at State Farm purchase was made in your home state or within 100 miles of your
Bank, PO Box 1420, Deposit, New Yak 13754 -1420 as soon as mailing address. (If we own or operate the merchant, or If we malled
A transaction fee Interest Charge may be imposed on each Cash possible. We must [rear from you no later than 60 days after we sent you the advertisement for the property or services, all Purchases are
Advance, Convenience Check and Balance Transfer. If such a you the first bill on which the error or problem appeared. You can covered regardless of amount or location of purchase.)
transaction fee s Imposed, the insulting Annual Percentage Rate for telephone us, but doing so will not preserve your rights.
me billing cycle may be greater than any of the Corresponding Annual In your letter, give us the following information: Your urchase the State Protection rmBank Credit Protection
Percentage Rates of the Dally Periodic Rates. P Program s
optional. The monthly fee for the State Farm Bank Credit Protection
Purchases Grace Period I. Your name and Account number. program Is based on your total amount statement balance each month
There will not be an interest charge on Purchases first posted on this 2- The dollar amount of the suspected error. multiplied by the unit cost which is $0.74 per $100. You have the tight
statement of your account if you pay the entire New Balance by the 3. Describe the error and explain, if you can, why you believe there to cancel the State Farm Bank Credit Protection Program at any time
Payment Due Date shown on the front of this statement. You may s an error. If you need more information, describe the item you for any reason by calling or writing State Farm Bank or the program
avoid an interest charge on Purchases for the billing cycle in which are unsure about. administrator. State Farm Bank has the right to cancel the State Farm
they are First posted to your Account F that cycle began with -a Bank Credit Protection Program if: (1) your account becomes more
Previous balance of zero. We may charge interest on balances from You do not have to pay any amount In question while we are than 60 days delinquent; or (2) at any time and for any reason by
the previous billina cycle beginning the first day of the new billing Investigating, but you are still obligated to pay the Parts of your bill giving you written notice of cancellation at least 30 days In advance.
cycle This means you will receive a statement the following month that are not In question. While we investigate your question, we
for Interest that accrued from the dosing date gf the previous billing canna report the amount in question as delinquent or take any action There are eligibility requirements, conditions, and exclusions that
cycle until the date of your payment In -full was posted m your account to collect the amount you question. could prevent you from receiving benefits under the State Farm Bank
To minimize the amount of this interest pay the entire New Balance Credit Protection Program. You many find a complete explanation of
In-Nil immediately uoon receipt of Your monthly statement Each If you have authorized us to pay your credit card bill automatically eligibility requirements, conditions, and exclusions in section 3 through
periodic statement must be malled or delivered to the consumer not from your savings or checking account, you can stop the payment on 12 of the State Farm Bank Credit Protection Program Terms and
later than 21 days before the payment due date. There Is no grace any amount you think Is wrong. To stop the payment, your letter must Conditions that will be included with your fulfillment materials.
period for Cash Advances and Balance Transfers. reach us three business days before the automatic payment is
scheduled to occur. Or, you may call us at the telephone number for
When Charges are Added to Your Average Dally Balance Customer Service shown on the front of this statement at least three
Purchases, Cash Advances and other debits are added to the daily business days before the automatic payment is scheduled to occur.
balance as of the transaction date (in the "Transaction Date" column
on the front of the statement). At our option, we may wait until the
posting date to add the transaction to the daily balance. The posting
date is the date we actually process the transaEtion to your account.
................................................................ ............................... .......... Page 3 of
Cash 0.00% $0.00 $0.00
Please enter the account number on all checks and correspondence.
News /Important Messages etc...
Your account is SERIOUSLY PAST DUE. Please call us toll free at 1- 877 -SF4 -VISA (1- 877 - 734 -8472) today to resolve the past
due status of your account.
.......................... ............................ .................. ........................ ...............
Page 4 of 4
R.A.a FAIN Account Number: 4707 - 8896- 5500 -2636
Banks New Balance: $ , 20
Payment Due by 5PM (ET) on: November 2525, 2012
IN4aRANC� Minimum Payment Due: $6,389.39
Amount Past Due: $1,098.41
Amount Enclosed: $
STATE FARM BANK
PO BOX 23025
COLUMBUS GA 31902 -3025
Make Check Payableto: STATE FARM BANK®
CHRISTINE M BASSO F] Please check box for address or telephone
645 HERRIN LN ** 0098860 change.
ENOLA PA 17025 -1614 (Complete form on the reverse side).
4707889655002636 006389393 006389393
Detach here, Please make_check payable to STATE FARM BANK and send with this remittance slip the enclosed_ envelope.. .
.. ... .. . .... .. . .................
1- 877 -SF4
Ba For 24 Hour Good Neighbor Service, Pa + a 4
Please Call: Statement Period: 09/27/12 -10/28/12
-VISA (1 -877- 734 -8472) Account Number: 4707 -8896- 5500 -2636
[AMG
Additional contact Information Payment Due
located on reverse side. b 5PM ET on: November25, 2012
Summary of Account Activity
Previous Balance: $6,389.39 Total Credit Limit: $0.00
Payments & Credits: $617.51 Available Credit Limit: $0.00
Purchases & Other Charges: $0.00 Cash Advance Limit: $0.00
Cash Advances: $0.00 Available Cash Advance Limit: $0.00
Fees Charged: $617.51
Interest Charged: $0.00 Closing Date: October 28, 2012
New Balance: $6,389.39 Number of Days in Cycle: 32
Payment Information
New Balance: $6,389.39 Minimum Payment Warning: If you make only the minimum
Minimum Payment Due: $6,389.39 paymenteach period, you will pay more in interest and it will take
Payment Due by 5PM (ET) on: November25, 2012 Ion erto payoff your balance. For Exam le:
Late Payment Warning: If we do not receive your minimum payment If you make no You will payoff the And you will end
by the date and time listed above, you may have to pay a late fee up to additional charges balance shown on up paying
$0.00. using this card this statement in an estimated total
and each month about... of...
you pay...
Only the minimum 0 months $0
payment
If you would like information about credit counseling services, call 1- 877 - 734 -8472.
Transactions For: 4707 -8896- 5500 -2636
Posting Transaction Reference
Date Date Number Description $ Amount
PAYMENTS AND CREDITS
09 -28 -12 09 -28 -12 PURCHASE FIN CHG CREDIT $365.76 CR
09 -28 -12 09 -28 -12 LATE FEE CREDIT $245.00 CR
09 -28 -12 09 -28 -12 PURCHASE FIN CHG CREDIT $5.97 CR
09 -28 -12 09 -28 -12 PURCHASE FIN CHG CREDIT $0.78 CR
FEES
10 -01 -12 10 -01 -12 DEBIT $617.51
TOTAL FEES FOR THIS PERIOD $617.51
2012 TOTAL YEAR -TO -DATE
Total Fees Charged in 2012 $897.51
Total Interest Charged in 2012 $419.23
Please enter change of address or telephone number below:
Address
City State Zip
Home Phone (include area code) Work Phone ('include area code)
To Contact Us Regarding Your Account
m ?
By Telephone: Send Inquires to: Mail Payments to: Visit Our Website:
In U.S. 1- 877 - 734 -8472 P.O. Box 87 P.O. Box 23025 www.statefarm.com
Espanol 1- 877 - 734 -8472 Deposit, New York 13754 -0087 Columbus, Ga 31902 -3025
TDD 1-877- 593 -3879
Outside U.S. 1- 706 -644 -0852
Information About Your Account
Here Is How We Calculate Your interest Charges:
Your statement has a "Interest Charges" section. For each type of Making Payments Disputing Account Information Reported to Credit Bureaus:
transaction in the "Interest Charges" section, we calculate an average You must pay all or part of your New Balance at any time. However, We furnish information about your amount to credit bureaus. You have
dally balance and multiply it by the Daily Periodic Rate for that balance you must always pay at least the Minimum Payment by the Payment the right to dispute the accuracy of the Information reported by writing
and by the number of days in the billing cycle. Then we add all these Due Date. Mail your payment, made in US dollars, accompanied by to us at: State Farm Bank, PO Box 94, Deposit, New York 13754 -0094.
products logether and we add any transaction fee that applies. This the upper portion of your monthly statement, in the enclosed return
gives us me Interest Charge. envelope or to the payment address State Farm Bank, PO Box 23025, Send All Bankruptcy Notices and Documents To:
Columbus, GA 31902 -3025. Pay by check or money order, and be sure State Farm Bank, PO Box 2327, Bloomington, I) 61702 -2327
Here Is How We Determine Each Of Your Average Daily to allow sufficient time for your payment to reach us try the Payment
Balances: Due Date. When you provide a check as payment, you authorize us Reporting Loss, Theft or Unauthorized Use of Your Card
We calculate an "average dally balance" separately for Purchases either be use information from your check to make a one -time Call us Immediately, 24 hours a day, toll -free at 1- 877 -SF4 -VISA
(excluding introductory period Balance Transfers), Cash Advances, electronic fund transfer from your account or to process the payment (1- 877 - 734 -8472) If you suspect the loss, theft or unauthorized use of
Introductory period Balance Transfers, and any special he offers (as as a check transaction. When we use information from your check to your Card. You will not be liable for unauthorized use that occurs after
applicable). To get the "average daily balance" of your amount for eke an electronic fund transfer, the funds may be withdrawn from you notify us at the above toll -free number or at PO Box 94, Deposit,
each of these types of transactions, we take the beginning balance of your account as soon as the same day we receive your payment and NY 13754 -0094, orally or In writing, of the loss, theft, or possible
your amount each day, add any new Purchases (excluding Introductory you will not receive your check back from your financial institution. If unauthorized use. In any case, your liability will not exceed $50.
period Balance Transfers), Cash Advances, Introductory period Balance you have any questions about ACH, please call 1- 877 -SF4 -VISA
Transfers Payments and Credits appl applied to that type of transaction under the e
offers o applicable), l87 �) received by us t the payment address try 5:00 P.M. Eastern Any payment payment with
instrument you
i nstrume aa send us forr Mess than the full balance due
payment allocation method then In effect. This gives us the dally Time Monday through Friday (our normal business days), will be that is marked "Paid in full" or similar notation, or that you otherwise
balance for each of these types of transactions. (Credit balances are credited to your Amount as of that day. All payments (including phone tender in full satisfaction of a disputed amount, must be sent m State
treated as zero for purposes of calculating the daily balances.) Then, remits, overnight mail, etc) received by us at the address indicated Farm Bank, PO Box 2326, Bloomington, IL 61702 -2326. We reserve all
we add all of the daily balances for the billing cycle for each of these after 5:00 P.M. Eastern Time or on any non -bank business day, our rights regarding such instruments. For example, if it is determined
types of transactions and divide the respective totals by the number of including bank holidays, will be credited to your amount on the there is no valid dispute or if any such instrument is received at any
days in the billing cycle. This gives us the "average daily balance" for following bank business day. The crediting of payments received in other address, we may accept P the Instrument and you will owe
your other manner ma y be delayed. an ma
r account for each of these types of transactions. The average daily y remaining balance. Or, we y refuse to accept a ny such
balances Include current transactions for Purchases (Including Balance Instrument by returning it to you, not cashing t, or destroying d. All
Transfers) and for Cash Advances, except that If the Previous Balance State Farm Dollars® other payments should be sent to the payment address shown on the
of your account was zero or a credit balance. Purchases posted to your If eligible, you will automatically earn State Farm Dollars in accordance front of this statement.
account during the billing cycle are not included in the daily balances with the terms and conditions disclosed in your State Farm Dollars
of Purchases for purposes of calculating the Interest Charge, Terms and Conditions brochure on purchases you make with your Service for the Hearing Impaired (fDDn - ro
State Farm Bank Visa Card. Once you earn 50 State Farm Dollars, you For any questions or other communications about your Account, please
If there is a (V) next to the Dally Periodic Rate on the front of your can apply your reward Dollars to the State Farm Products of your contact our service for the hearing impaired at 1- 877 -593 -3879.
statement, this means that the rate may vary. The variable APR Is the Ilice by accessing your account online at statefarm.com or calling
Prime Rate plus your margin as disclosed In your Credit Card 1- 87A8F4 -VISA (1 -877- 734 -8472} Special Rule for Credit Card Purchases
Agreement and Disclosure Statement and any amendment(s) thereto. If you have a problem with the quality of goods or services that you
Billing Rights Summary purchased with a credit card, and you have tried in good faith to
If the "INTEREST CHARGED" on the front of your statement Is $1.50 correct the problem with the merchant, you may not have to pay the
(or a lesser amount as disclosed in your credit yard agreement, as In Case of Errors or Questions About Your Bill remaining amount due on me goods or services. You have this
amended), then the Minimum Interest Charge has been applied to If you think your bill Is wrong, or If you need more Information about a protection only when the purchase price was more than $50 and the
your Account during the billing cycle. transaction on your bill, write us on a separate sheet at State Farm purchase was made in your home state or within 100 miles of your
Bank, PO Box 1420, Deposit, New York 13754 -1420 as soon as mailing address. (If we own or operate the merchant, or if we mailed
A transaction fee Interest Charge may be imposed on each Cash Passible. We must hear from you roc later than 60 days after we sent you the advertisement for the property or services, all Purchases are
Advance, Convenience Check and Balance Transfer. If such a You the first bill on which the error or problem appeared. You can covered regardless of amount or location of purchase.)
transaction fee Is imposed, the resulting Annual Percentage Rate for telephone us, but doing so will not preserve your rights.
the billing cycle may be greater than any of the Corresponding Annual State Farm Bank Credit Protection Program
Percentage Rates of the Daily Periodic Rates. In your letter, give us me following Information: Your purchase of the Stale Farm Bank Credit Protection Program s
optional. The monthly fee for the State Farm Bank Credit Protection
Purchases Grace Period 1. Your name and Account number. program Is based on your total amount statement balance each month
There will not be an interest charge on Purchases first posted on this 2 • The dollar amount of the suspected error. multiplied by the unit cost which is $0.74 per $100. You have the right
statement of your account if you pay the entire New Balance by the 3. Describe the error and explaln, if you can, wby you believe there to canted the State Farm Bank Credit Protection Program at any time
Payment Due Date shown on the front of this statement You may s an error. If you need more information, describe the deco you for any reason by calling or writing State Farm Bank or the program
avoid an Interest charge on Purchases for the billing cycle in which are unsure about administrator. State Farm Bank has the right to cancel the State Farm
they are first posted to your Amount if that cycle began with a Bank Credit Protection Program if: (1) your account becomes more
previous balance of zero. We ma charge Interest on balances from You do not have to pay any amount In question while we are than 60 days delinquent; or (2) at any time and for any reason by
thhg previous billing cycle beoinnlno the first day of the new blllino investigating, but you are still obligated to pay the parts of your bill giving you written notice of cancellation at least 30 days in advance.
cycle This means You will receive a statement the fWtowina month that are not in question. While we Investigate your question, we
for Interest that accrued from the dosing date f rn 'pus billing cannot report the amount in question as delinquent or take any action There are eligibility requirements, conditions, and exclusions that
cycle until the date of your uavment In -lull was posted to Your account, to tolled me amount you question. could prevent you from receiving benefits under the State Farm Bank
To minimize the amount of this Interest pay the ntire New Balance Credit Protection Program. You many find a complete explanation of
In immediately upon receio[ of Your monthly statement Each If yon have authorized us to pay your credit card bill automatically eligibility requirements, conditions, and exclusions in section 3 through
periodic statement must be mailed or delivered to the consumer not from your savings or checking account, you can stop the payment on 12 of the State Farm Bank Credit Protection Program Terms and
later than 21 days before the payment due date. There is no grace any amount you think Is wrong. To stop the payment, your letter must Conditions that will be included with your fulfillment materials.
period for Cash Advances and Balance Transfers. reach us three business days before the automatic payment is
scheduled to occur. Or, you may roll us at the telephone number for
When Charges are Added to Your Average Daily Balance Customer Service shown on the front of this statement at least three
Purchases, Cash Advances and other debits are added to the daily business days before the automatic payment is scheduled to occur.
balance as of the transaction date (in the "Transaction Date" column
w the front of the statement). At our option, we may wait until the
posting date to add the transaction to the dairy balance. The posting
date is the date we actually process the transaction to your account.
---- - - - - -- ---------------------------------------------------------------------------------------------------
Page 3 of 4
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Balance
Percentage Subject to Interest
Type of Balance Rate Interest Rate Charge
Purchases 0.00% $6,331.49 $0.00
Cash 0.00% $0.00 $0.00
Please enter the account number on all checks and correspondence.
News /Important Messages etc...
Your account is SERIOUSLY PAST DUE. Please call us toll free at 1- 877 -SF4 -VISA (1- 877 - 734 -8472) today to resolve the past
due status of your account.
------------------ ................................. -------------------- ....................
Page 4 of 4
Account Number: 4707 - 8896 - 5500 -2636
BTAT< TAQM
New Balance: $6,389.39
Payment Due by 5PM (ET) on: October 23, 2012
Ban
INSURANCE Minimum Payment Due: $1,098.41
Amount Past Due: $948.93
Amount Enclosed: $
STATE FARM BANK
PO BOX 23025
COLUMBUS GA 31902 -3025
Make Check Payable to: STATE FARM BANK®
CHRISTINE M BASSO ❑ Please check box for address or telephone
645 HERRIN LN ** 0019188 change.
ENOLA PA 17025 -1614 (Complete form on the reverse side).
4707889655002636 001098412 006389393
�- Detach here. Please make check payable to STATE_ FARM BANK and send with th this remittan slip_in the enclosed envelope, _ _ ....... .
For 24 Hour Good Neighbor Service, Page f a4
Bank Please C Statement Period: 08/27/12 - 09/26/12
<
1- 877 -SF4 -VISA 1- 877 - 734 -8472 ) Account Number: 4707 - 8896 - 5500 -2636
QQ..
Additional contact Information Payment Due
located on reverse side. by 5PM ET on: October 23, 2012
Summary of Account Activity
Previous Balance: $6,304.91 Total Credit Limit: $0.00
Payments & Credits: $0.00 Available Credit Limit: $0.00
Purchases & Other Charges: $0.00 Cash Advance Limit: $0.00
Cash Advances: $0.00 AvailableCash Advance Limit: $0.00
Fees Charged: $35.00
Interest Charged: $49.48 Closing Date: September26, 2012
New Balance: $6,389.39 Number of Days in Cycle: 31
Payment Information
New Balance: $6,389.39 Minimum Payment Warning: If you make only the minimum
Minimum Payment Due: $1,098.41 paymenteach period, you will pay more in interest and it will take
Payment Due by 5PM (ET) on: October 23, 2012 long to p ayoff your balance. For Exam le:
Late Payment Warning: If we do not receive your minimum payment If you make no You will payoff the And you will end
by the date and time listed above, you may have to pay a late fee up to additional charges balance shown on up paying
$35.00. using this card this statement in an estimated total
and each month about... of...
you pay...
Only the minimum 13 years $9,517
payment
If you would like information about credit counseling services, call 1- 877 - 734 -8472.
State Farm Dollars® Summary
State Farm Dollars Balance 0.00 Lifetime State Farm Dollars Redeemed 105.86
State Farm Dollars Earned This Cycle 0.00
TOTAL STATE FARM DOLLARS REDEEMABLE 0.00
To redeem your State Farm Dollars you must have a minimum of 50 in your Total State Farm Dollars Redeemable balance and your account must be in good standing.
Transactions For: 4707 -8896- 5500 -2636
Posting Transaction Reference
Date Date Number Description $ Amount
FEES
09 -24 -12 09 -24 -12 LATE PAYMENT FEE $35.00
TOTAL FEES FOR THIS PERIOD $35.00
INTEREST CHARGED
Please enter change of address or telephone number below:
Address
City State Zip
Home Phone (include area code) Work Phone (include area code)
To Contact Us Regarding Your Account
O ?
By Telephone: Send Inquires to: Mail Payments to: Visit Our Website:
In U.S. 1- 877 - 734 -8472 P.O. Box 87 P.O. Box 23025 www.statefarm.com
Espanol 1- 877 - 734 -8472 Deposit, New York 13754 -0087 Columbus, Ga 31902 -3025
TDD 1- 877 - 593 -3879
Outside U.S. 1- 706 -644 -0852
Information About Your Account
Here Is How We Calculate Your Interest Charges:
Your statement has a "Interest Charges" section. For each type of Making Payments Disputing Account Information Reported to Credit Bureaus:
transaction in the "Interest Charges" section, we calculate an average You must pay a8 or part of your New Balance at any time. however, We furnish Information about your amount to credit bureaus. You have
daily balance and multiply it by the Daily Periodic Rate for that balance you must always pay at least the Minimum Payment by the Payment the right to dispute the amuracy of the information reported try writing
and by the number of days In the billing cycle. Then we add all these Due Date. Mail your payment, made In US dollars, accompanied by to us at: State Farm Bank, PO Box 94, Deposit, New York 13754 -0094.
products together and we add any transaction fee that applies. This the upper portion of your monthly statement, in the enclosed return
gives us the Interest Charge. envelope or to the payment address State Farm Bank, PO Box 23025, Send All Bankruptcy Notices and Documents To:
Columbus, GA 31902 -3025. Pay by check or money order, and be sure State Farm Bank, PO Box 2327, Bloomington, 11 61702-2327
Here Is How We Determine Each Of Your Average Daily to allow sufficient time for your payment to reach us by the Payment
Balances: Due Date. When you provide a check as payment, you authorize us Reporting Loss, Theft or Unauthorized Use of Your Card
We calculate an "average daily balance" separatety for Purchases either to use information from your check to make a one -time Call us immediately, 24 hours a day, toll -free at 1- 877 -SF4 -VISA
(excluding introductory period Balance Transfers), Cash Ad u vances, electronic fund transfer from your account or to process the payment (1- 877 - 734-8472) If you suspect the loss, theft or unauthorized use of
Introductory period Balance Transfers, and any special rate offers (as as a check transaction. When we use Information from your check to your Card. You x911 not be fiable for unauthorized use that occurs after
applicable), To get the "average daily balance" of your account for make an electronic fund transfer, the funds may be withdrawn from you notify us at the above toll -free number or at PO Box 94, Deposit,
each of these types of transactions, we take the beginning balance of your account as soon as the same day we receive your payment and NY 13754 -0094, orally or in writing, of the loss, theft, or possible
your amount each day, add any new Purchases (excluding introductory you will not recelve your check back from your financial institution. If unauthorized use. In any case, your liability will not exceed $50.
period Balance Transfers), Cash Advances, introductory period Bafance you have any questions about ACH, please call 1- 877 -SF-4 -VISA
Transfers or other special rate offers (as applicable), and subtract any (1- 877 - 734- 8472)• All payments (including phone remits, overnight Payments with Special Handling Instructions
Payments and Credits applied to that type of transaction under the mail, etc) received by us at the payment address by 5:00 P.M. Eastern Any payment Instrument you send us for less than the full balance due
payment allocation method men in effect. This gives us the dally Time Monday through Friday (our normal business days), will be that is marked 'paid in full" or similar notation, or that you otherwise
balance for each of these types of transactions. (Credit balances are credited to your Account as of that day. NI payments (including phone tender in full satisfaction of a disputed amount, must be sent to State
treated as zero for purposes of calculating the daily balances.) Then, remits, overnight mail, etc) received by us at the address Indicated Farm Bank, PO Box 2326, Bloomington, IL 61702 -2326. We reserve all
we add all of the daily balances for the billing cycle for each of these after 5:00 P.M. Eastern Time or on any non -bank business day, our rights regarding such Instruments. For example, if It Is determined
types of transactions and divide the respective totals by the number of including bank holidays, will be credited to your account on the there is no valid dispute or if any such Instrument is received at any
days in the billing cycle. This gives us the "average daily balance" for following bank business day. The crediting of payments received in other address, we may accept the instrument and you wdB still owe
your amount for each of these types of transactions. The average dally any other manner may be delayed. any remaining balance. Or, we may refuse to accept any such
balances Include current transactions for Purchases (Including Balance Instrument by returning R to you, not cashing it, or destroying It. All
Transfers) and for Cash Advances, except that if the Previous Balance State Farm Dollars® other payments should be sent to the payment address shown on the
of your amount was zero of a credit balance. Purchases posted to your If eligible, you will automatically eam State Farm Dollars in accordance front of this statement.
account during the billing cycle are not Included in the dally balances with the terms and conditions disclosed in your State Farm Dollars
of Purchases for purposes of calculating the Interest Charge. Terms and Conditions brochure on purchases you make with your Service for the Hearing Impaired (TOD/TYY)
State Farm Bank Visa Card. Once you earn 50 State Farm Dollars, you For any questions or other communications about your Account, please
If there is a (V) next to the Daily Periodic Rate on the front of your can apply your reward Dollars to the State Farm products of your contact our service for the hearing impaired at 1- 877 -593 -3879.
statement, this means that the rate may vary. The variable APR is the choice by accessing your account online at statefarm.com or calling
Prime Rate plus your margin as disclosed In your Credit Card 1- 67TSF4 -VISA (1- 877 - 734472) Spacial Rule for Credit Card Purchases
Agreement and Disclosure Statement and any amendment(s) thereto. Bi11in RI is Summa If you have a problem with the quality of goods or services that you
9 9h ry purchased with a credit card, and you have tried in good faith to
If the "INTEREST CHARGED" on the front of your statement is $1.50 correct the problem with the merchant, you may not have to pay the
(or a lesser amount as disclosed In your credit card agreement, as In Case of Errors or questions About Your Bill remaining amount due on the goods or services. You have this
amended), then the Minimum Interest Charge has been applied to If you think your bill B wrong, or If you need more information about a protection onfy when the purchase price was more than $50 and the
Your Account during the billing cycle. transaction on your bill, write us on a separate sheet at State Farm purchase was made In your home state or within 100 miles of your
Bank, PO Box 1420, Deposit, New York 13754 -1420 as soon as mailing address. (If we own or operate the merchant, or If we mailed
A transaction fee Interest Charge may be imposed on each Cash possible. We must hear from you no later than 60 days after we sent you the advertisement for the property or services, all Purchases are
Advance, Convenience Check and Balance Transfer. If such a you the first bill on which the error or problem appeared. You can covered regardless of amount or location of purchase.)
transaction fee is Imposed, the resulting Annual Percentage Rate for telephone us, but doing so will not preserve your rights.
the billing cycle may be greater than any of the Corresponding Annual State Farm Bank Credit Protection Program
Percentage Rates of the Daily Periodic Rates. In your letter, glue ors the folbw7ng Information: Your purchase of the State Farm Bank Credit Protection Program is
optional. The monthly fee for the State Farm Bank Credit Protection
Purchases Grace Period 1. Your name and Account number. program is based on your total amount statement balance each month
There will not be an Interest charge on Purchases first posted on this 2. The dollar amount of the suspected error. multiplied by the unit cost which is $0.74 per $100. You have the right
statement of your amount if you pay the entire New Ba lance by the 3. Describe the error and explain, if you can, why you believe there to cancel the State Farm Bank Credit Protection Program at any time
Payment Due Date shown on the front of this statement. You mays an error. If you need more information, describe the Item you for any reason by calling or writing State Farm Bank or the program
avoid an Interest charge on Purchases for the billing cycle In which are unsure about. administrator. State Farm Bank has the right to cancel the State Farm
they are first posted to your Account if that cycle began with a Bank Credit Protection Program R: (1) your account becomes more
previous balance of zero. We may charge interest on balances from You do not have to pay any amount in question while we are than 60 days delinquent; or (2) at any time and for any reason by
the wevious billing cede bminnino the first day of the new billing investigating, but you are still obligated to pay the parts of your bill giving you written notice of cancellation at least 30 days in advance.
cycle This means you will receive a statement the following mronth that are not in question. while we investigate your question, we
for interest that accrued from the dosino date of the previous billin�c cannot report the amount In question as delinquent or take any action There are eligibility requirements, conditions, and exclusions that
cycle until the date of Your payment in -full was posted to Your amount, to collect the amount you question. could prevent you from receiving benefits under the State Farm Bank
To mimmlze the amount of this Interest oav the ti New Bal ance Credit Protection Program. You many find a complete explanation of
In-full Immediately upon recetat of Your monthly statement. Each If you have authorized us to pay you r credit card bill automatically eligibility requirements, conditions, and exclusions in section 3 through
periodic statement must be mailed or delivered to the consumer not from your savings or checking account, you can stop the payment on 12 of the State Farm Bank Credit Protection Program Terms and
later than 21 days before the payment due date. There is no grace any amount you think is wrong. To stop the payment, your letter must Conditions that will be included with your fulfillment materials.
period for Cash Advances and Balance Transfers. reach us three business days before the automatic payment Is
scheduled to occur. Or, you may call us at the telephone number for
When Charges are Added to Your Average Daily Balance Customer Service shown on the front of this statement at least three
Purchases, Cash Advances and other debits are added to the daily business days before the automatic payment is scheduled to occur.
balance as of the transaction date (in the "Transaction Date" column
on the front of the statement). At our option, we may wait until the
posting date to add the transaction to the daily balance. The posting
date is the date we actually process the transaction to your amount.,
.......................................... ............................... .....f....
Page 3 Transactions For: 4707- 8896 - 5500 -2636
Posting Transaction Reference
Date Date Number Description $ Amount
INTEREST CHARGE - PURCHASES $49.48
TOTAL INTEREST FOR THIS PERIOD $49.48
2012 TOTAL YEAR -TO -DATE
Total Fees Charged in 2012 $280.00
Total Interest Charged in 2012 $419.23
s
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Balance
Percentage Subject to Interest
Type of Balance Rate Interest Rate Charge
Purchases 9.24% (v) $6,308.29 $49.48
Cash 18.24% (v) $0.00 $0.00
(v) = Variable Rate
Please enter the account number on all checks and correspondence.
News /Important Messages etc...
Your account is SEVERELY DELINQUENT AND AT RISK OF BEING WRITTEN OFF AS A LOSS. This bad debt will report to
the credit reporting agencies and could IMPAIR YOUR ABILITY TO RECEIVE FINANCIAL SERVICES IN THE FUTURE. Call
1- 800 - 932 -5751 to make a paymenttoday!
................ .......... ............... ......................... ..................... .......................
Page 4 of 4
Account Number: 4707 - 8896 - 5500 -2636
srwTe rwe
New Balance: $6,304.91
Payment Due by 5PM (ET) on: September 23, 2012
Banke
INSUQwNC� Minimum Payment Due: $948.93
Amount Past Due: $805.10
Amount Enclosed: $
STATE FARM BANK
PO BOX 23025
COLUMBUS GA 31902 -3025
Make Check Payableto: STATE FARM BANK®
CHRISTINE M BASSO ❑ Please check box for address or telephone
645 HERRIN LN ** 0019265 change.
ENOLA PA 17025 -1614 (Complete form on the reverse side).
4707889655002636 000948933 006304910
Detach here.. Please make check payable to STATE FARM BANK and_send this . remittance slip_in the enclosed envelope.. _ _ ....... .
For 24 Hour Good Neighbor Service, Page' of 4
Please Call: Statement Period: 07/27/12 - 08/26/12
A Banke
1- 877 -SF4- VISA(1- 877 - 734 -8472 ) Account Number: 4707 - 8896 - 5500 -2636
Additional contact Information Payment Due
located on reverse side. by 5PM ET on: Se tember23, 2012
Summary of Account Activity
Previous Balance: $6,221.08 Total Credit Limit: $0.00
Payments & Credits: $0.00 Available Credit Limit: $0.00
Purchases & Other Charges: $0.00 Cash Advance Limit: $0.00
Cash Advances: $0.00 Available Cash Advance Limit: $0.00
Fees Charged: $35.00
Interest Charged: $48.83 Closing Date: August 26, 2012
New Balance: $6,304.91 Number of Days in Cycle: 31
Payment Information
New Balance: $6,304.91 Minimum Payment Warning: If you make only the minimum
Minimum Payment Due: $948.93 payment each period, you will pay more in interest and it will take
Payment Due by 5PM (ET) on: September 23, 2012 long to p ayoff your balance. For Exam le:
Late Payment Warning: If we do not receive your minimum payment If you make no You will payoff the And you will end
by the date and time listed above, you may have to pay a late fee up to additional charges balance shown on up paying
$35.00. using this card this statement in an estimated total
and each month about... Of...
you pay...
Only the minimum 14 years $9,479
payment
If you would like information about credit counseling services, call 1- 877 - 734 -8472.
State Farm Dollars® Summary
State Farm Dollars Balance 0.00 Lifetime State Farm Dollars Redeemed 105.86
State Farm Dollars Earned This Cycle 0.00
TOTAL STATE FARM DOLLARS REDEEMABLE 0.00
To redeem your State Farts Dollars you must have a minimum of 50 in your Total Slate Farm Dollars Redeemable balance and your account must be in good standing.
Transactions For: 4707 -8896- 5500 -2636
Posting Transaction Reference
Date Date Number Description $ Amount
FEES
08 -23 -12 08 -23 -12 LATE PAYMENT FEE $35.00
TOTAL FEES FOR THIS PERIOD $35.00
INTEREST CHARGED
• Please enter change of address or telephone number below:
Address
city State Zip
Home Phone (include area code) Work Phone (include area code)
To Contact Us Regarding Your Account
m ?
By Telephone: Send Inquires to: Mail Payments to: Visit Our Website:
In U.S. 1- 877 - 734 -8472 P.O. Box 87 P.O. Box 23025 www.statefarm.com
Espanol 1- 877 - 734 -8472 Deposit, New York 13754 -0087 Columbus, Ga 31902 -3025
TDD 1- 877 - 593 -3879
Outside U.S. 1- 706 -644 -0852
Information About Your Account
Here Is How We Calculate Your Interest Charges: Making Payments Disputing Account Information Reported to Credit Bureaus:
Your statement has a "Interest Charges" section. For each type of You must pay all or part of your New Balance at any time. However, We furnish information about your account M credit bureaus. You have
transaction in the "Interest Charges" section, we Calculate an average you must always pay at least the Minimum Payment by Me Payment the right to dispute the accuracy of the Information reported by writing
dairy balance and multiply It try the Daily Periodic Rate for that balance Due Date. Mall your payment made in US dollars, accompanied by to us at: State Farm Bank, PO Box 94, Deposit, New York 13754 -0094.
and by the number of days in the billing cycle. Then we add all these the upper portion of your monthly statement, in the enclosed return
Products together and we add any transaction fee that applies. This envelope or to the payment address State Farm Bank, PO Box 23025, Send All Bankruptcy Notices and Documents To:
gives hn the Interest Charge. Columbus, GA 31902 -3025. Pay by check or money order, and be sure State Farm Bank, PO Box 2327, Bloomington, 11 61702-2327
Here Is How We Determine Each Of Your Average Daily to allow sufficient time for your payment to reach us by the Payment
Balances: Due Date. When you provide a Check as payment you authorize us Reporting Loss, Theft or Unauthorized Use of Your Card
We calculate an "average claty balance" separately for Purchases either to use Information from your check to make a one -time Call us immediately, 24 hours a day, toll -free at 1- 877 -SF4-ViSA
(excluding Introductory period Balance Transfers), Cash Advances, electronic fund transfer from your account or to process the payment (1-877 -734 -8472) IF you suspect the loss, theft or unauthorized use of
introductory period Balance Transfers, and any special rate offers (as as a check transaction. When we use information from your check to your Card. You will not be Fable for unauthorized use that occurs after
applicable). To get the "average dairy balance" of your account for eke an electronic fund transfer, the funds may be withdrawn from you notify us at the above toll -free number or at PO Box 94, Deposit,
each of these types of transactions, we take the beginning balance of your account as soon as the same day we receive your payment and NY 13754 -0094, orally or in writing, of Me ions, theft or possible
your account each day, add any new Purchases (excluding introductory you wit not receive your check back from your financial Institution. If unauthorized use. In any case, your liability will not exceed $50.
Pe riotl Balance Transfers), Cash Advances, introductory period Balance You have any questions about ACH, please call 1- 877- SF4-VISA
Transfers or other special rate offers (as applicable), and subtract any ( meF 7 7 Hc )rr eeli e W us aaat the pay d mentaddress by 5:00 P.M. Eastern rn Any �
pay ent instrument you a send n Instructions
us for
less thanthe full balance clue
Payments and Credits applied to that type of transaction under the Time, Monday through Friday (our normal business days), will be that Is marked "paid in full" or similar notation, or that you otherwise
payment allocation method then In effect. This gives us the daily Cretlitetl m your Account as of that day. All payments (including phone tender in full satisfaction of a disputed amount, must be sent to State
balance for each of mere types of transactions. (Credit balances are remits, overnight mail, etc) received by us at the address indicated Farm Bank, PO Box 2326, Bloomington, IL 61702-2326. We reserve all
tr eated as zero for purposes of calculating the dally balances.) Then, after 5:00 P.M. Eastern Time or on any non -bank business clay, our rights regarding such instruments. For example, If it is determined
we add all of the daily balances for the billing cycle for each of these including bank holidays, will be Credited to your account on the there s no valid dispute or if any such instrument s received at any
types of transactions and divide the respective totals by the number of following bank business clay. The Crediting of payments received in other address, we may accept the instrument and you will still owe
days in the billing cycle. This gives us the "average dally balance" for any other manner may be delayed. any remaining balance. Or, we may refuse to accept any such
your account for each of these types of transactions. The average daily
balances Include current transactions for Purchases (including Balance instrument by shoa returning e se you, t Cashing tt, or s sstroying it. All
Transfers) and for Cash Advances, except that If tie Previous Balance State Farm Dollars® other payments should the sent to the payment address shown on the
of your account was zero or a Credit balance. Purchases posted M your If eligible, you will automatically earn State Farm Dollars in accordance front of this statement.
account during the billing cycle are not included in the daily balances with the terms and conditions disclosed in your State Farm Dollars
of Purchases for purposes of calculating the Interest Charge. Terms and Conditions brochure on purchases you make Wth your Service for the Hearing Impaired (TDDITYY)
State Farm Bank Visa Card. Once you earn 50 State Farm Dollars, you For any questions or other communications about your Account, please
[f Mere "s a M next to the Dairy Periodic Rate on the front of your can apply your reward Dollars to the State Farm products of your contact our service for the hearing Impaired at 1- 877 -593 -3879.
r may vary. The variable APR s the choice by accessing your account online at statefann.com or Calling
Statement this means that Me r ate
Prime Rare plus your margin as y your Credit Card ear . h 1-877 -SF4 -VISA (1.877- 734 -8472} Special Rule for Credit Card Purchases
if you have a problem with the quality of goods or services that you
Agreement and Disclosure Statement and any amendments) thereto. Billing Rights Summary purchased with a Credit Card, and you have tried in good faith to
the "INTEREST CHARGED" on the front of your statements $1.50 Correct the problem with the merchant, you may not have to pay the
If
If a lesser amount R ED "ksed in your credit card agreement, as In Case of Errors or Questions About Your Bill remaining amount due on the goods or services. You have this
amended), then the Minimum Interest Charge has been applied to If you think your bill is wrong, or if you need more information about a protection only when the purchase price was more than $50 and the
your Account during the billing cycle. transaction on your bill, write us on a separate sheet at State Farm purchase was made in your home stare or within 100 miles of your
Bank, PO Box 1420, Deposit, New York 13754 -1420 as soon as mailing address. (If we own or operate the merchant, or if we malled
A transaction fee Interest Charge may be imposed on each Cash possible. We must hear from you on later than 60 days after we sent you the advertisement for the property or services, all Purchases are
Advance, Convenience Check and Balance Transfer. If such a you the first bill on which the error or problem appeared. You can Covered regardless of amount or location of purchase.)
transaction fee s imposed, the resulting Annual Percentage Rate for telephone us, but doing so will not preserve your rights.
State Farm Bank Credit Protection Program
the billing cycle may be greater than any of the Corresponding Annual
In your letter , give
Percentage Rates of the Dairy Periodic Rates. , us the following information: optional.. The nanhty fee for the State Credit Bank CCredit Program
Protection
1. Your name and Account number. program Is based on your total account statement balance each month
Purchases Grace Period
There will not be an Interest Charge on Purchases first posted on this 2. The dollar amount of the suspected error. multiplied by the unit cost which is $0.74 per $100. You have the right
statement of your account If you pay the entire New Balance by the 3. Describe the error and explain, if you Can, why you believe there to once] the State Farm Bank Credit Protection Program at any time
is an error. Ifyou need mere information, describe the Item you for any reason by Calling w writing State Farm Bank or the program
Payment Due Date shown on the front of this statement. You may
administrator. State Farm Bank has the right to cancel the State Farm
avoid an interest charge on Purchases for the billing cycle in which are unsure about.
e
they are first posted lo t that your Account at cycl began with a Bank Credit Protection Program ff: (I) your amount becomes more
previous balance zero. We me charge Interest le balances from You do not have to pay any amount in question while we are than 60 days delinquent; or (2) at any time and for any reason by
w blling investigating, but you are still obligated to pay the parts of your bill giving you written notice of Cancellation at least 30 days In advance.
Me previous billing zeroe beginning cur first clay of Me ne i
cycle This means You will receive a statement the foFowing month that are not Fh question. While we investigate your question, we
for interest that accrued from the closing date of the envious billina Cannot report the amount in question as delinquent or fake any action There are eligibility requirements, Conditions, and exclusions that
r moment in full was posted [o sour account to collect the amount you question. could prevent you from receiving benefits under the State Farm Bank
cycle until the date of You
Credit Protection Program. You many find a complete explanation of
To minimize ze the amount of this Inteerr est my y the entire New Balance
in-f im noon receipt sour the statement. Each If you have authorized us to pay your Credit Card bill automatically eligibility requirements, conditions, and exclusions in section 3 through
periodic statement must be mailed or delivered [o the consumer not from your savings or Checking account, you Can stop the payment on 12 of the Stale Farm Bank Credit Protection Program Terms and
later Man 21 days before the payment due date. There s no grace rreach us twee bus days before the automatic your is letter must Conditions that will be Included with your fulfillment materials.
period for Cash Advances and Glance Transfers. scheduled to occur. Or, you may oil us at the telephone number for
When Charges are Added to Your Average Daily Balance Customer Service shown on the front of this statement at least three
Purchases, Cash Advances and other debits are added to the dairy business days before the automatic payment Is scheduled to occur.
balance as of the transaction date (in the 'Transaction Dare" Column
on the front of the statement) . At our option, we may wait until the
posting dare to add the transaction M the daily balance. The posting
date is the date we actually process the transaction to your account.
........................................... ............................... Page 3oT4
Transactions For: 4707 -8896- 5500 -2636
Posting Transaction Reference
Date Date Number Description $ Amount
INTEREST CHARGE - PURCHASES $48.83
TOTAL INTEREST FOR THIS PERIOD $48.83
2012 TOTAL YEAR -TO -DATE
Total Fees Charged in 2012 $245.00
Total Interest Charged in 2012 $369.75
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Balance
Percentage Subject to Interest
Type of Balance Rate Interest Rate Charge
Purchases 9.24% (v) $6,225.59 $48.83
Cash 18.24% (v) $0.00 $0.00
(v) = Variable Rate
Please enter the account number on all checks and correspondence.
News /Important Messages etc...
Your account is SEVERELY DELINQUENT AND AT RISK OF BEING WRITTEN OFF AS A LOSS. This bad debt will report to
the credit reporting agencies and could IMPAIR YOUR ABILITY TO RECEIVE FINANCIAL SERVICES IN THE FUTURE. Call
1- 800 - 932 -5751 to make a payment today!
"Important Information Regarding Your Account Terms"
State Farm Bank® is changing the way your Total Minimum Payment is calculated. The Repayment; Minimum Payment Due
Each Month section of your cardholder agreement is being revised to reflect the new minimum payment language provided below.
This change is effective with this statement. Please keep a copy of this notice for your records. This is a technical change that will
not increase your monthly payments.
The monthly Minimum Payment Due is 1 % of the New Balance (less interest charges and Late Fees and rounded to the nearest
$5.00) + Interest Charges + Late Fees + any Past Due Amounts or $40, whichever is the greater (or your entire New Balance if
less than $40).
All other items in the minimum payment calculation including interest, finance charges, and fees are not changing at this time. If
you have further questions you can contact us online at www.statefarm.com or at 1- 877 -SF4 -VISA.
........................................... ........................... ................................
Page 4 of .... 4
Account Number: 4707 - 8896 - 5500 -2636
0l.T ...N Bank New Balance: $6,221.08
Payment Due by 5PM (ET) on: August 23, 2012
IN34R11NC� Minimum Payment Due: $805.10
Amount Past Due: $663.47
Amount Enclosed: $
STATE FARM BANK
PO BOX 23025
COLUMBUS GA 31902 -3025
Make Check Payableto: STATE FARM BANK@
CHRISTINE M BASSO ❑ Please check box for address or telephone
645 HERRIN LN ** 0019486 change.
ENOLA PA 17025 -1614 (Complete form on the reverse side).
4707889655002636 000805105 006221082
• _ _ _ _ _ _ _ _ _ . _�c- Deta ch here, Please make check payable to STATE FARM BANK and send with this remittance slip the enclosed_ envelope.......... .
For 24 Hour Good Neighbor Service, Page 1 of 4
O Bank Please Call: Statement Period: 06/27/12 - 07/26/12
1-877-SF4-VISA (1 -877-734-8472) Account Number: 4707 - 8896 - 5500 -2636
ru :Rt.M<
Additional contact Information Payment Due
located on reverse side. by 510M ET on: August 23 2012
Summary of Account Activity
Previous Balance: $6,139.45 Total Credit Limit: $0.00
Payments & Credits: $0.00 Available Credit Limit: $0.00
Purchases & Other Charges: $0.00 Cash Advance Limit: $0.00
Cash Advances: $0.00 Available Cash Advance Limit: $0.00
Fees Charged: $35.00
Interest Charged: $46.63 Closing Date: July 26, 2012
New Balance: $6,221.08 Number of Days in Cycle: 30
Payment Information
New Balance: $6,221.08 Minimum Payment Warning: If you make only the minimum
Minimum Payment Due: $805.10 paymenteach period, you will pay more in interest and it will take
Payment Due by 5PM (ET) on: August 23, 2012 longer to payoff your balance. For Exam le:
Late Payment Warning: If we do not receive your minimum payment If you make no You will payoff the And you will end
by the date and time listed above, you may have to pay a late fee up to additional charges balance shown on up paying
$35.00. using this card this statement in an estimated total
and each month about... of...
you pay...
Only the minimum 14 years $9,437
payment
If you would like information about credit counseling services, call 1- 877 - 734 -8472.
State Farm Dollars@ Summary
State Farm Dollars Balance 0.00 Lifetime State Farm Dollars Redeemed 105.86
State Farm Dollars Earned This Cycle 0.00
TOTAL STATE FARM DOLLARS REDEEMABLE 0.00
To redeem your State Farm Dollars you must have a minimum of 50 in your Total State Farm Dollars Redeemable balance and your account must be In good standing.
Transactions For: 4707 -8896- 5500 -2636
Posting Transaction Reference
Date Date Number Description $ Amount
FEES
07 -23 -12 07 -23 -12 LATE PAYMENT FEE $35.00
TOTAL FEES FOR THIS PERIOD $35.00
INTEREST CHARGED
Please enter change of address or telephone number below:
Address
City State Zip
Home Phone (include area rode) Work Phone (include area code)
To Contact Us Regarding Your Account
0)
By Telephone: Send Inquires to: Mail Payments to: Visit Our Website:
In U.S. 1- 877 - 734 -8472 P.O. Box 87 P.O. Box 23025 www.statefarm.com
Espanol 1-877- 734 -8472 Deposit, New York 13754 -0087 Columbus, Ga 31902 -3025
TDD 1- 877 -593 -3879
Outside U.S. 1- 706 -644 -0852
Information About Your Account
Here Is How We Calculate Your Interest Charges:
Your statement has a "Interest Charges" section. For each type of Making Payments Disputing Account Information Reported to Credit Bureaus:
transaction in the "Interest Charges" section, we Calculate an average You must pay all or part of your New Balance at any time. However, We furnish information about your account to credit bureaus, You have
daily balance and multiply It by the Daily Periodic Rate for that balance You must always pay at least the Minimum Payment by the Payment the right to dispute the accuracy of the information reported by writing
and by the number of days in the billing cycle. Then we add all these Due bete. Mail your payment, made in US dollars, accompanied by to us at: State Farm Bank, PO Box 94, De
products together and vie add any transaction fee that applies. This the upper portion of your monthly statement, In the enclosed return posit, New York 13754-0094.
gives us the Interest Charge. envelope or 11 the payment address State Farm Bank, PO Box 23025, Send All Bankruptcy Notices and Documents To:
Columbus, GA 31902 -3025. Pay by check or money order, and be sure State Farm Bank, PO Box 2327, Bloomington, I161702 -2327
Here Is Now We Determine Each Of Your Average Daily to allow sufficient time for your payment to reach us by the Payment
Balances: Due Date. When you provide a check as payment, you authorize us Reporting Loss, Theft or Unauthorized Use of Your Card
We Calculate an "average daily balance" separately for Purchases either to use information from your check to make a one -time Call us immediately, 24 hours a day, toll -free at 1- 877 -SF4 -VISA
(excluding Introductory period Balance Transfers), Cash Advances, electronic fund transfer from your account or to process the payment (1- 877 - 734 -8472) If you suspect the loss, theft or unauthorized use of
Introductory period Balance Transfers, and any special rate offers (as as a check transaction. When we use information from your check to your Card. You will not be liable for unauthorized use that occurs after
applicable). To get the "average daily balance" of your account for make an electronic fund transfer, the funds may be withdrawn from you notify us at the above toll -free number or at PO Box 94, Deposit,
each of these types of transactions, we take the beginning balance of your amount as soon as the same day we receive your payment and NY 13754 -0094, orally or in writing, of the loss, theft, or possible
your account each day, add any new Purchases (excluding introductory you will not receive your check back from your financial institution. If unauthorized use. In any Case, your liability will not exceed $50.
period Balance Transfers), Cash Advances, introductory period Balance you have any questions about ACH, please Call 1- 877- SF4-VISA
Transfers or other special rate offers (as applicable), and subtract any (1- 877 - 734 - 8472). All payments (including phone remits, overnight Payments with Special Handling Instructions
Payments and Credits applied to that type of transaction under the mall, etc) received by us at the payment address by 5:00 P.M. Eastern Any payment instrument you send us for less than the full balance due
payment allocation method then in effect. This gives us the daily Time, Monday through Friday (our normal business days), will be that is marked "paid In full" or similar notation, or that you otherwise
balance for each of these types of transactions. (Credit balances are credited to your Account as of that day. All payments (including phone tender in full satisfaction of a disputed amount, must be sent to State
treated as zero for purposes of calculating the daily balances.) Then, remits, overnight mail, etc) received by us at the address Indicated Farm Bank, PO Box 2326, Bloomington, IL 61702 -2326. We reserve all
we add all of the daily balances for the billing cycle for each of these after 5:00 P.M. Eastern Time or on any non -bank business day, our rights regarding such Instruments. For example, if It Is determined
types of transactions and divide the respective totals by the number of including bank holidays, will be Credited to your account on the there 's no valid dispute or if any such Instrument is received at any
days in the billing cycle. This gives us the "average dally balance" for following bank business day. The crediting of payments received to other address, we may accept the instrument and you will still owe
our account for each of these any other manner may be delayed. an remaining balance. Or, we may refuse to accept an
Y types of transactions. The average tlally Y 9 y p y such
balances include Current transactions for Purchases (including Balance Instrument by returning it to you, not Cashing 1% or destroying It. All
Transfers) and for Cash Advances, except that If the Previous Balance State Farm Dollars® other payments should be sent to the payment address shown on the
of your amount was zero or a credit balance. Purchases posted to your If eligible, you will automatically earn State Farm Dollars in accordance front of this statement.
account during the billing cycle are not included in the daily balances with the terms and conditions disclosed In your State Farm Dollars
of Purchases for purposes of Calculating the Interest Charge. Terms and Conditions brochure on purchases you make with your Service for the Hearing Impaired (TDOITYY)
State Farm Bank Visa Card. Once you earn 50 State Farm Dollars, you For any questions or other communications about your Account, please
If there Is a M next t , the Daily Periodic Rate on the front of your Can apply your reward Dollars to the State Farm products of your contact our service for the hearing impaired at 1.877 -593 -3879.
statement, this means that the rate may vary. The variable APR is the Choice by accessing your account online at slatefarm.com or calling
Prime Rate plus your margin as disclosed In your Credit Card 1- 877 -SF4 -VISA (1.877 -734 -8472} Special Rule for Credit Card Purchases
Agreement and Disclosure Statement and any amendments) thereto. Billing Rights Summa If you have a problem with the quality of goads or services that you
9 9 Summary purchased with a credit card, and you have tried in good faith to
If the "INTEREST CHARGED" on the front of your statement is $1.50 correct the problem with the merchant, you may not have to pay the
Errors (or a lesser amount as disclosed In your credit Card agreement, as In Case of Errs or Questions About Your Bill remaining amount due on the goods or services. You have this
amended), then the Minimum Interest Charge has been applied to If you think your bill Is wrong, or If you need more information about a protection only when the purchase price was more than $50 and the
your Account during the billing cycle. transaction on your bill, write us on a separate sheet at State Farm purchase was made In your home state or within 100 miles of your
Bank, PO Box 1420, Deposit, New York 13754 -1420 as soon as mailing address. (If we own or operate the merchant, or if we mailed
A transaction fee Interest Charge may be Imposed on each Cash possible. We must hear from you no later than 60 days after we sent you the advertisement for the property or services, all Purchases are
Advance , Convenience Check and Balance Transfer. If such a you the first bill on which the error or problem appeared, You can covered regardless of amount or location of purchase.)
transaction fee is imposed, the resulting Annual Percentage Rate for telephone us, but doing so will not preserve your rights.
the billing cycle may be greater than any of the Corresponding Annual State Farm Bank Credit Protection Program
Percentage Rates of the Dally Periodic Rates. In your letter, give us the following information: Your purchase Of the State Farm Bank Credit Protection Program is
optional. The monthly fee for the State Farm Bank Credit Protection
Purchases Grace Period L Your name and Account number. program is based on your total account statement balance each month
There will not be an Interest charge on Purchases first posted on this 2. The dollar amount of the suspected error. multiplied by the unit cost which is $0.74 per $100. You have the right
statement of your amount if you pay the entire New Balance M the 3. Describe the error and explaln, if you Can, why you believe there to cancel the State Farm Bank Credit Protection Program at any time
Payment Due Date shown on the front of this statement You may 's an error. Ifyou need more information, describe the item you for any reason by calling a writing State Farm Bank or the program
avoid an interest charge on Purchases for the billing cycle In which are unsure about. administrator. State Farm Bank has the right to Cancel the State Farm
they are first posted to your Account if that cycle began with a Bank Credit Protection Program if: (1) your account becomes more
previous balance of zero. We may dharde Interest on balances from you do not have to pay any amount in question while we are than 60 days delinquent; or (2) at any time and for any reason by
the oreWOUS billing cycle beginning the first day of the new billing investigating, but you are still obligated to pay the parts of your bill giving you written notice of cancellation at least 30 days in advance.
wcle This means You will receive a statement the following month that are not in question. While we Investigate your question, we
M Interest that accrued from the dosing date of the grejdQus billing Cannot report the amount in question as delinquent or take any action There are eligibility requirements, conditions, and exclusions that
cycle until the date of your payment in -full was posted m vac acco to collect the amount you question. could prevent you from receiving benefits under the State Farm Bank
To minlmize the amount Qf this Interest pay the ntir Balanc Credit Protection Program. You many find a complete explanation of
fn -fu8 Immediately upon receipt of your monthly statement. Each If you have authorized us to pay your credit card bill automatically eligibility requirements, conditions, and exclusions In section 3 through
periodic statement must be mailed or delivered to the consumer not from your savings or Decking amount, you can stop the payment on 12 of the State Farm Bank Credit Protection Program Terms and
later than 21 days before the payment due date. There is no grace any amount you think is wrong. To stop the payment, your letter must Conditions that will be included with your fulfillment materials.
period for Cash Advances and Balance Transfers. mach us three business days before the automatic payment B
scheduled to occur. Or, you may oil us at the telephone number for
When Charges are Added to Your Average Dally Balance Customer Service shown on the front of this statement at least three
Purchases, Cash Advances and other debits are added to the daily business days before the automatic payment is scheduled to occur.
balance as of the transaction date (in the "Transaction Date" column
on the front of the statement). At our option, we may wait until the
posting date to add the transaction to the daily balance. The posting
date is the date we actually process the transaction to your account.
----------- - - - - -- - - ------- ----------- - - - - -- - --- - - - -- . - -..... ------ ..... -- -- ....... - - -- ----- ...__..
Page 3 of 4
Transactions For: 4707 -8896- 5500 -2636
Posting Transaction Reference
Date Date Number Description $ Amount
INTEREST CHARGE - PURCHASES $46.63
TOTAL INTEREST FOR THIS PERIOD $46.63
2012 TOTAL YEAR -TO -DATE
Total Fees Charged in 2012 $210.00
Total Interest Charged in 2012 $320.92
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Balance
Percentage Subject to Interest
Type of Balance Rate Interest Rate Charge
Purchases 9.24% (v) $6,144.11 $46.63
Cash 18.24% (v) $0.00 $0.00
(v) = Variable Rate
Please enter the account number on all checks and correspondence.
News /Important Messages etc...
Your State Farm Bank® credit card account is now FIVE(5) PAYMENTS PAST DUE. We will attempt to work with our customers
to establish payment arrangements. Please call 1- 800 - 932 -5751 to resolve the serious delinquent status of your account.
............. ................. ........................... .............................
Page 4 of 4
Account Number: 4707 - 8896- 5500 -2636
LTATf AlM
Ba nk" New Balance: $6,139.45
Payment Due by 5PM (ET) on: July 23, 2012
INSaiANC� Minimum Payment Due: $663.47
Amount Past Due: $520.95
Amount Enclosed: $
STATE FARM BANK
PO BOX 23025
COLUMBUS GA 31902 -3025
Make Check Payableto: STATE FARM BANK@
CHRISTINE M BASSO F] Please check box for address or telephone
645 HERRIN LN ** 0022228 change.
ENOLAPA 17025 -1614 (Complete form on the reverse side).
4707889655002636 000663473 006139458
Detach here, Please make . check pay to STATE_ FARM BANK and_send with this remittance_ slip the enclosed_ envelope
For 24 Hour Good Neighbor Service, Page 1 of 4
ABank Pleas ( Ca Statement Period: 05/ - 12
1- 8T7 -SF4 -VISA 1- 877 - 734 -8472 ) Account Number: 4707 - 8896 - 8896- 5500 -2600-2636
Additional contact Information Payment Due
located on reverse side. by 5PM ET on: July 23, 2012
Summary of Account Activity
Previous Balance: $6,056.93 Total Credit Limit: $0.00
Payments & Credits: $0.00 Available Credit Limit: $0.00
Purchases & Other Charges: $0.00 Cash Advance Limit: $0.00
Cash Advances: $0.00 AvailableCash Advance Limit: $0.00
Fees Charged: $35.00
Interest Charged: $47.52 Closing Date: June 26, 2012
New Balance: $6,139.45 Number of Days in Cycle: 31
Payment Information
New Balance: $6,139.45 Minimum Payment Warning: If you make only the minimum
Minimum Payment Due: $663.47 paymenteach period, you will pay more in interest and it will take
Payment Due by 5PM (ET) on: July 23, 2012 Ion erto pay off your balance. For Exam le:
Late Payment Warning: If we do not receive your minimum payment If you make no You will pay off the And you will end
by the date and time listed above, you may have to pay a late fee up to additional charges balance shown on up paying
$35.00. using this card this statement in an estimated total
and each month about... of...
you pay...
Only the minimum 14 years $9,398
payment
If you would like information about credit counseling services, call 1- 877 - 734 -8472.
State Farm Dollars@ Summary
State Farm Dollars Balance 0.00 Lifetime State Farm Dollars Redeemed 105.86
State Farm Dollars Earned This Cycle 0.00
TOTAL STATE FARM DOLLARS REDEEMABLE 0.00
To redeem your State Farm Dollars you must have a minimum of 50 in your Total State Farm Dollars Redeemable balance and your account must be in good standing.
Transactions For: 4707 - 8896 -5500 -2636
Posting Transaction Reference
Date Date Number Description
$Amount
FEES
06 -25 -12 06 -25 -12 LATE PAYMENT FEE $35.00
TOTAL FEES FOR THIS PERIOD $35.00
INTEREST CHARGED
Please enter change of address or telephone number below:
Address
City State Zip
Home Phone (include area code) Work Phone (include area code)
To Contact Us Regarding Your Account
m ?
By Telephone: Send Inquires to: Mail Payments to: Visit Our Website:
In U.S. 1- 877 - 734 -8472 P.O. Box 87 P.O. Box 23025 www.statefarm.com
Espanol 1- 877 - 734 -8472 Deposit, New York 13754 -0087 Columbus, Ga 31902 -3025
TDD 1- 877 -593 -3879
Outside U.S. 1- 706 -644 -0852
Information About Your Account
Here Is How We Calculate Your Interest Charges: Making Payments Disputing Account Information Reported to Credit Bureaus:
Your statement has a "Interest Charges' section. For each type of You must pay all or part of your New Balance at any time. However, We furnish information about your account to credit bureaus. You have
transaction in the "Interest Charges" section, we calculate an avenge you must always pay at least the Minimum Payment by the Payment the right to dispute the accuracy of the Information reported by writing
daily balance and multiply It by the Daily Periodic Rate for that balance we Due Date. Mail your payment, made In US dollars, accompanied by to us at: State Farm Bank, PO Box 94, Deposit, New York 13754 -0094.
and by the number of tl In the billing cycle. Then add all these e upper portion of your monthly statement, in the enclosed return
products together and w add any transaction fee that applies. This the or to the payment address State Farm Bank, PO Box 23025, Send All Bankruptcy Notices and Documents To:
gives us the Interest Charge. Columbus, GA 31902 -3025. Pay by check or money order, and be sure State Farm Bank, PO Box 2327, Bloomington, It 61702 -2327
Here Is How We Determine Each Of Your Average Daily to allow sufficient time for your payment to reach us by the Payment
Balances: Due Date. When you provide a check as payment you authorize us Reporting Loss, Theft or Unauthorized Use of Your Card
We calculate an "avenge deity balance" separately for Purchases ether to use information from your check to make a one -time Call us Immediately, 24 hours a day, toll -free at 1- 877 -SF4 -VISA
electronic fund transfer from your amount or to process the payment (1- 877 - 734 -8472) if you suspect the loss, theft or unauthorized use of
(excluding introductory period Balance Transfers), Cash Advances,
as a check transaction. When we use information from your check to your Card. You will not be liable for unauthorized use that occurs after
introductory perdu Balance Transfers, and any special rate offers (as
make an electronic fund transfer, the funs may be withdrawn from you notify us at the above toll -free number or at PO Box 94, Deposit,
applicable). To get the "average daily balance" of your account for
each of these types of transactions, we take the beginning balance of your account as soon as the same day we receive your payment and NY 13754 -0094, orally or in writing, of the loss, theft, or possible
your account each day, add any new Purchases (excluding introductory You will not receive your check back from your financial Institution. If unauthorized use. In any case, your liability will not exceed $50.
period Balance Transfers), Cash Advances, introductory period Balance (1- have any questions about ACH, please call
Transfers or other special rate offers (as applicable), and subtract any mail, - 734 -8472). All payments (mending phone remmitsils, , SA
Overnight Payments with Special Handling Instructions
verni
Payments and Credits applied to that type of transaction under the rti etc) by us at the payment address by P.M. be Any payment instrument you send us roc less an the full balance due
payment allocation method then In effect. This gives us the dally Time, Monday day through Friday (our normal business s days), will ll be N 's at marked f amount, to full" or similar , or that you otherwise
Credited to your Account as of Na[ day. Al payments (including w uaing phone tender in full satisfaction of a disputed amount, must be sent State
balance for each of these types of transactions. (Credit balances are
treated as zero for purposes of calculating the daily balances.) Then, remits, overnight mail, etc) received by us at the address Indicated Farm Bank, PO Box 2326, Bloomington, IL 61702 -2326. We reserve all
we add all of the daily balances for the billing cycle for each of these after 5:00 P.M. Eastern Time or on any non -bank business day, our rights regarding such Instruments. For example, if it Is determined
types of transactions and divide the respective totals by the number of Including bank holidays, will be Credited to your account on the there s no valid dispute or if any such instrument is received at any
days in the billing cycle. This gives us the "average daily balance" for following bank business day. The crediting of payments received In other address, we may accept the Instrument and you will still owe
your account for each of these types of transactions. The avenge dally any other manner may be delayed. any remaining balance. Or, we may refuse to accept any such
balances include Correct transactions for Purchases (Including Balance Instrument by returning it to you, not cashing it or destroying It. All
Transfers) and for Cash Advances, except that M the Previous Balance State Farm Dollars® other payments should be sent to the payment address shown on the
of your amount was zero or a Credit balance. Purchases posted to your If eligible, you will nd co diti s earn State Farm Dollars In accordance front of this statement.
account during the billing cycle are Trot Included in the daily balances with Ne terms and conditions disclosed in your State Farm Dollars
of Purchases for purposes of Calculating the Interest Charge. Terms and Conditions brochure on purchases you make with your Service for the Hearing Impaired (TDDITYY)
State Farm Bank Visa Cam. Once you earn 50 State Farm Dollars, you For any questions or other communications about your Account, please
If there s a M next to the Dally Periodic Rate an the front of your can apply your reward Dollars to the State Farts products of your contact our service for the hearing impaired at 1- 877 -593 -3879.
statement this means that the rate may vary. The variable APR s the choice by accessing your account online at slatefadn.com or calling
Prime Rate plus your margin as disclosed in your Credit Card 1- 877 -SF4 -VISA (1 -877- 734 -8472} Special Rule for Credit Card Purchases
Agreement and Disclosure Statement and any amendment(s) thereto. If you have problem with the quality of goods or services that you
Billing Rights Summary purchased with a credit card, and you have tried in good faith to
Correct the problem with the merchant, you may not have to pay the
If the "INTEREST CHARGED" on the front of your statement s $1.50
I ST f a lesser amount R disclosed in your credit Card agreement, as In Case of Errors or Questions About Your Bill remaining amount due on the goads or services. You have this
amended), then the Minimum Interest Charge has been agreement, to transaction you think your bill s m
wrong, or if you need more information about a protection only when the purchase price was ore than $50 and the
your Account during the billing cycle. transaction on your bill, write us on a separate sheet at State Farm purchase was made in your home state or within 100 miles of your
Bank, PO Box 1420, Deposit, New York 13754 -1420 as soon as mailing address. (If we own or operate the merchant, or If we mailed
A transaction fee Interest Charge may be imposed on each Cash possible. We must hear from you no later than 60 days after we sent you the advertisement for the property or services, all Purchases are
Advance, Convenience Check and Balance Transfer. If such a you the first bill on which the error or problem appeared. You on covered regardless of amount or location of purchase.)
transaction fee is imposed, the resulting Annual Percentage Rate for telephone us, but doing so will not preserve your rights.
State Farm Bank Credit Protection Program
the billing cycle may be greater than any of the Corresponding Annual
Percentage Rates of the Daily Periodic Rates. In your letter, give us the following Information: Your purchase of the State Farm Bank Credit Protected Program s
optional. The monthly fee for the State Farm Bank Credit Protection
eriod 1. Your name and Amount number. program s based on your total account statement balance each month
Purchases Grace Interest charge on Purchases first posted on this 2. The dollar amount of the suspected error. multiplied by the unit cost which s $0.74 per $100. You have the right
There will not be e 3. Describe the error and explain, if you can, why you believe there to Cancel the State Farm Bank Credit Protection Program at any time
statement no your amount H you pay the entire New Balance by the
Payment Due Date shown f the front of this statement. You may s an error. If you need more information, describe the Rem you for any reason by calling or writing State Farm Bank or the program
are unsure about. administrator. State Farm Bank has the right to cancel the State Farm
avoid an Interest charge on Purchases for the billing Lytle in which
Bank Credit Protection Program if: (1) your account becomes more
they are first posted to yo t 'rf r Accoun that pile began with a c interest You do not have to pay any amount in question while we are than 60 days delinquent; or (2) at any time and for any reason by
previous balance zero. yo may charge the first interes of the new billing t on balances from Investigating, but you are still obligated to pay the parts of your bill giving you written notice of cancellation at least 30 days In advance.
the previous billing curle beginning
rile This means you will receive a statement the following month Nat are not in question. While we Investigate your question, we
for interest that the te d t accrued f rom the tlosing tlate of the previous billino Cannot report the amount in question as delinquent or take any action There are eligibility requirements, conditions, and exclusions that
r odod oavment in -full was posted ro vour amount. to collect the amount you question. Could prevent you from receiving benefits under the State Farm Bank
Credit Protection Program. You many find a Complete explanation of
To minimize the amount of this Interest oav the entire New Balance monthly If you he
in -Full immediately upon receipt of Your statement Each e authorized us to pay your credit card bill auromatically eligibility requirements, conditions, and exclusions in section 3 through
from your savings or checking account, you on stop the payment on 12 of the State Farm Bank Credit Protection Program Tends and
periodic statement must r mailed or delivered to the consumer not
later than 21 days before the payment due date. There s no grace any amount you think s wrong. To stop the payment, your letter must Conditions that will be included with your fulfillment materials.
period for Cash Advances and Balance Transfers. reach us three business days before the automatic payment 's
scheduled to occur. Or, you may rail us at the telephone number for
Customer Service shown on the front of this statement at least three
When Charges are Added to Your Average Daily Balance
Purchases, Cash Advances and other debits are added to the daily business days before the automatic payment s scheduled to occur.
balance as of the transaction date (in the 'Transaction Date" Column
on the front of the statement). At our option, we may wait until the
posting date to add the transaction to the tlaity balance. The posting
date is the date we actually process the transaction to your account.
....... .... ....... . .. . . .. ..... . . .. -- ---- .........-- - - -... --- - - - - -- -- ......... ............... -.......
Page 3 of 4
Transactions For: 4707 -8896- 5500 -2636
Posting Transaction Reference
Date Date Number Description $ Amount
INTEREST CHARGE- PURCHASES $47.52
TOTAL INTEREST FOR THIS PERIOD $47.52
2012 TOTAL YEAR -TO -DATE
Total Fees Charged in 2012 $175.00
Total Interest Charged in 2012 $274.29
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Balance
Percentage Subject to Interest
Type of Balance Rate Interest Rate Charge
Purchases 9.24% (v) $6,059.18 $47.52
Cash 18.24% (v) $0.00 $0.00
(v) = Variable Rate
Please enter the account number on all checks and correspondence.
News /Important Messages etc...
Your account is SERIOUSLY DELINQUENT. Without the full payment due, our collection departmentwill continue to contact you
for payment. Please call us today at 1- 800 - 932 -5751 to make payment arrangements or confirm previous payment arrangements.
................. -------------- ........... .....................................................................
Page 4 of 4
Account Number: 4707 - 8896 -5500 -2636
61ATE PAAM
New Balance: $6,056.93
Payment Due by 5PM (ET) on: June 23, 2012
Ban
INbUUANC! Minimum Payment Due: $520.95
Amount Past Due: $380.55
Amount Enclosed: $
STATE FARM BANK
PO BOX 23025
COLUMBUS GA 31902 -3025
Make Check Payableto: STATE FARM BANK®
CHRISTINE M BASSO 1-1 Please check box for address or telephone
1022 TEAKWOOD LN ** 0022267 change.
ENOLA PA 17025 -2046 (Complete form on the reverse side).
4707889655002636 000520957 006056938-
�- Detach_ here., Please make check payable to STATE_ FARM BANK and, send with this remittance slip the enclosed envelope _ _ . _ .... .
For 24 Hour Good Neighbor Service, Page 1 of 4
Please C Statement Period: 04/27/12 / - 12
Bank
1.877 -SF4 -VISA 1-877- 734 -8472 ) Account Number: 4707 -8896- 5500 -2600-2636
Additional contact Information Payment Due
located on reverse side. 'by 5PM ET on: June 23, 2012
Summary of Account Activity
Previous Balance: $5,976.53 Total Credit Limit: $0.00
Payments& Credits: $0.00 Available Credit Limit: $0.00
Purchases & Other Charges: $0.00 Cash Advance Limit: $0.00
Cash Advances: $0.00 AvailableCash Advance Limit: $0.00
Fees Charged: $35.00
Interest Charged: $45.40 Closing Date: May 26, 2012
New Balance: $6,056.93 Number of Days in Cycle: 30
Payment Information
New Balance: $6,056.93 Minimum Payment Warning: If you make only the minimum
Minimum Payment Due: $520.95 payment each period, you will pay more in interest and it will take
Payment Due by 5PM (ET) on: June 23, 2012 Io_n erto pay off your ba For Exam le:
Late Payment Warning: If we do not receive your minimum payment If you make no You will payoff the And you will end
by the date and time listed above, you may have to pay a late fee up to additional charges balance shown on up paying
$35.00. using this card this statement in an estimated total
and each month about... of...
you pay...
Only the minimum 14 years $9,365
payment
If you would like information about credit counseling services, call 1- 877 -734 -8472.
State Farm Dollars® Summary
State Farm Dollars Balance 0.00 Lifetime State Farm Dollars Redeemed 105.86
State Farm Dollars Earned This Cycle 0.00
TOTAL STATE FARM DOLLARS REDEEMABLE 0.00
To redeem your State Farts Dollars you must have a minimum of 50 in your Total State Farts Dollars Redeemable balance and your account must be in good standing.
Transactions For: 4707 - 8896.5500 -2636
Posting Transaction Reference
Date Date Number Description $ Amount
FEES
05 -23 -12 05 -23 -12 LATE PAYMENT FEE $35.00
TOTAL FEES FOR THIS PERIOD $35.00
INTEREST CHARGED
Please enter change of address or telephone number below:
Address
city State Zip
Home Phone (include area code) Work Phone (Include area code)
To Contact Us Regarding Your Account
m ?
By Telephone: Send Inquires to: Mail Payments to: Visit Our Website:
In U.S. 1- 877 - 734 -8472 P.O. Box 87 P.O. Box 23025 www.statefarm.com
Espanol 1- 877 - 734 -8472 Deposit, New York 13754 -0087 Columbus, Ga 31902 -3025
TDD 1- 877 - 593 -3879
Outside U.S. 1- 706 - 644 -0852
Information About Your Account
Here Is How We Calculate Your Interest Charges: Making Payments Disputing Account Information Reported to Credit Bureaus:
Your statement has a 'Interest Charges" section. For each type of You must pay all or part of your New Balance at any time. However, We turner Information about your account to credit bureaus. You have
d ail y balan
in the "Interest Charges" section, we R for an average you must always pay at least the Minimum Payment by the Payment the right to dispute the accuracy of the infor atbn reported by writing
airy balance and multiply It by the Dairy Periodic Rate for Nat balance Due Date. Mail your payment, made In US dollars, accompanied by to us at: Slate Farm Bank, PO Box 94, Deposit, New York 13754 -0094.
and by the number of days in the billing cycle. Then we add all these the upper portion of your monthly statement, In the enclosed return
protlucis together and we atltl arty transaction fee that applies. This envelope or to the payment address State Farm Bank, PO Box 23025, Send All Bankruptcy Notices and Documents To:
gives us Ne Interest Charge. Columbus, GA 31902 -3025. Pay by check or money order, and be sure State Farm Bank, PO Box 2327, Bloomington, 11 61702-2327
Here Is How We Determine Each Of Your Average Daily to allow sufficient time for your payment to reach us by the Payment
Balances: Due Date. When you provide a check as payment you authorize us Reporting Loss, Theft or Unauthorized Use of Your Card
We calculate an "average daily balance" separately for Purchases either to use Infornatlon from your check to make a one -time Call us Immediately, 24 hours a day, toll -free at 1- 877 -SF4 -VISA
(excluding introductory period Balance Transfers), Cash Advances, electronic fund transfer from your account or to process the payment (1 -877 -734 -8472) if you suspect the loss, theft or unauthorized use of
introductory period Balance Transfers, and any special rate offers (as as a check transaction. When we use Information from your check to your Card. You will not be liable for unauthorized use that occurs after
applicable), To get the "average daily balance" of your account for make an electronk: fund transfer, the funds may be withdrawn from you notify us at the above toll -free number or at PO Box 94, Deposit
each of these types of transactions, we take the beginning balance of your account as soon as the same day we receive your payment and NY 13754 -0094, orally or in writing, of the loss, theft, or possible
your account each day, add any new Purchases (excluding introductory you have tan receive your back check from yours man ic ai -877 Institution. SIf unauthorized tae. In any rase, your lability will rot exceed ;50.
period Balance Transfers Cash Advances, introductory to that (a applicable), a, a period Balance (1 -877 -734- 8472). All payments (including phone remits, overnight Payments with Special Handling Instructions
Transfers or other special l rate s ria subtract arty mall, etc) received by us at the payment address by 5:00 P.M. Eastern Any payment Instrument you send us for less than the full balance due
Payments and Credits method tl en Nat type of transaction under the Tme, Monday through Friday (our normal business days), will be that Is marked "paid in full" a similar notation, or that you otherwise
payment allocation method then n effect. This gives us the dairy credited ro your Account as of that day. NI payments (including phone tender lo full satisfaction of a disputed amount mist be sent to State
balance for each of these types of transactions. (Ged'd balances are remits overnight mail, etc) received by us at the address indicated Farm Bank, PO Box 2326, Bloomington, IL 61702 -2326. We reserve all
treated as zero for purposes of calculating the dally balances.) Then, after 5:00 P.M. Eastern Time or on any non -bank business day, our rights regarding such instruments. t ments. For example, if Is determined
we add all of the daily balances for the billing cycle for each of these Including bank holidays, will be credited to your account on the there Is no valid dispute or ff any such Instrument is received at any
types of transactions and divide the respective tota6 by the number of following bank business day. The crediting of payments received in other address, we may accept the Instrument and you will still owe
days in the billing cycle. This gives us the "average daily balance" for any other manner may be delayed. any remaining balance. Or, we may refuse m accept any such
your account for each of these types of transactors. The average daily instrument by returning it to you, not cashing it or destroying t. All
balances include cunt transactions for Purchases (including Balance State Farm Dollars® other payments should be sent to the payment address shown on the
Transfers) and for Cash Advances, except that if the Previous Balance If eligible, you will automatically earn State Farm Dollars h accordance front of this statement.
of your account was zero or a credit balance. Purchases posted to your with the terms and conditions disclosed In your State Farm Dollars
account during the billing cycle are not Included n the daily balances Terms and Conditions brochure on purchases you make with your Service for the Hearing Impaired (TDDlTYY)
of Purchases for purposes of calculating the Interest Charge. State Farm Bank Visa Card. Once you earn 50 State Farm Dollars, you For any questions or other communications about your Amount please
If there Is a (V) next to the Daily Periodic Rate on the front of your can apply your reward Dollars to the State Farm products of your contact our service for the hearing Impaired at 1- 877 -593 -3879.
statement, this means Nat the rate may vary. The variable APR's the choice by accessing your account online at statefarm.com or calling
Prime Rate plus your margin as disclosed n your Credit Card 1- 877SF4 -VISA (1 -877- 734 -8472} Special Rule for Credit Card Purchases
Agreement and Disclosure Statement and any amendment(s) thereto. If you have i problem with the quality of goods or services g Nat you
Billing Rights Summary purchased with a credit card, and you have hied in good atth to
If the "INTEREST CHARGED" on the (root of your statement is ;1.50 correct the problem with the merchant you may not have to pay the
I
(or a lesser amount as disclosed in your credit card agreement as n Case of Errors or Questions About Your Bill remaining amount due on the goods or services. You have this
amended), then the Minimum mares[ Charge has been applied to transaction you think your bill s wrong, or If you need more information about a protecti- only when the purchase price was more than ;50 and the
your Account during the billing cycle. transaction on your bill, write us on a separate sheet at Sate Farm purchase was made n your home sate or within 100 miles of your
Bank, PO Box 1420, Deposit, New York 13754 -1420 as soon as mailing address. (If we own or operate the merchant or if we mailed
A transaction fee Interest Charge may be Imposed on each Cash possible. We must hear from you no later than 60 days after we sent you the advertisement for the property or services, all Purchases are
Advance, Convenience Check and Balance Transfer. If such a you the first bill on which the error or problem appeared. You can covered regardless of amount or location of purchase.)
transaction fee is Imposed, the resulting Annual Percentage Rate for telephone us, but doing so will not preserve your rights.
the billing cycle may be greater than any of the Corresponding Annual State Farm Bank S c a Protection Program
Percentage Rates of the Daily Periodic Rates. In your letter, give us the following information: Your purchase of the a State Farm Bank Protection Program Is
optional. The monthly fee for the State Farm te Farn Bank Credit Protection
Purchases Grace Period 1. Your name and Amount number. program is based on your total account staternent balance each month
There will not be an Merest charge on Purchases first posted on this 2. The dollar amount of the suspected arc. multiplied by the unit cost which is $0.74 per $100. You have the right
statement of your account If you pay the entire New Balance by the 3. Describe the era and explain, if you ran, why you believe there to cancel the Sate Farm Bank Credit Protection Rrogram at any time
Payment Due Date shown on the front of this statement You may is an error. If you need more Information, describe the Item you for any reason by calling or writing Sate Farm Bank or the program
avoid an Merest charge on Purchases for the billing cycle in my are unsure about. administrator. Sate Farm Bank has the right to cancel the Sate Farm
they are first posted ro your Amount If that cycle began with a Bank Credit Protection Program if: (1) your amount becomes more
previous balance posted zero. your may shame Interest on balances from You do not have m pay my amount In question while we are than 60 days delinquent; or (2) at arty Ume and for any reason try
the previous billinc cvUe bep'nnine the first day of the new bill investigating, but you are still obligated to pay the parts of your bill giving you written notice of cancellation at leas[ 30 days in advance.
ace This means you will rerrNe a sratement tlhe folbwinc month that are not n question. While we Investigate your question, we
the dosirw dare of Ne previous booth cannot report the amount in question as delinquent or take any action There are eligibility requirements, conditions, and exclusions that
for Interest that accrued from
code until the tlate of your oavrnen[ in -full was posted ro vo amount ro cdlec[ Ne amount you question. could prevent you from receiving benefits under the State Farm Bank
To minimize the a[ely upo amount n receipt of this 'Merest oav Ure entire New Balance Credit Protection Program. You many find a complete explanation of
n -full etli of sour mo statement Each
Inn If you have authorized us to pay your credit cab bill automatically eligibility requirements, conditions, and exdusons in section 3 through
h-f u ll statement must be malted or delivered to the consumer rte[ from your savings or checking account you can stop the payment on 12 of the Sate Farm Bank Credit Protection Program Terms and
Later than 21 days before the payment due date. There is no grace any amount you think is wrong. To stop the payment Your letter must Conditions that will be included with your fulfillment material.
period for Cash Advances and Balance T2nsfers. reach us three business days before the automatic payment s
scheduled to occur. Or, you may call us at the telephone number for
When Charges are Added to Your Average Daily Balance Customer Service shown on the front of this statement at least three
Purchases, Cash Advances and other debits are added to the daily business days before the automatic payment is scheduled to occur.
balance as of the transaction date (b the 'Transaction Date" column
on the front of the statement) . At our option, we may wait until the
posting date to add the transaction to the daily balance . The posting
date is the date we actually process the transaction to your account.
....... . . ....... . . . .. ... .. . . ... - -.... -- .... -- .-- ........... ....... ---.----------- -
Page 3 of 4
Transactions For: 4707- 8896 - 5500 -2636
Posting Transaction Reference
Date Date Number Description $ Amount
INTEREST CHARGE- PURCHASES $45.40
TOTAL INTEREST FOR THIS PERIOD $45.40
2012 TOTAL YEAR -TO -DATE
Total Fees Charged in 2012 $140.00
Total Interest Charged in 2012 $226.77
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Balance
Percentage Subject to Interest
Type of Balance Rate Interest Rate Charge
Purchases 9.24% (v) $5,981.19 $45.40
Cash 18.24% (v) $0.00 $0.00
(v) = Variable Rate
Please enter the account number on all checks and correspondence.
News /Important Messages etc...
Your account is now THREE PAYMENTS PAST DUE. The delinquent status of your account is reported to the credit reporting
agencies and may DAMAGE YOUR CREDIT RATING. Call us today at 1- 800 - 932 -5751 to make payment arrangements.
---------------- --- --------------- ...............................................................................
Page 4 of 4
Account Number: 4707 - 8896 - 5500 -2636
;����Q New Balance: $5,976.53
Payment Due by 5PM (ET) on: May 23, 2012
IN3URIINC� Minimum Payment Due: $380.55
Amount Past Due: $239.28
Amount Enclosed: $
STATE FARM BANK
PO BOX 23025
COLUMBUS GA 31902 -3025
Make Check Payableto: STATE FARM BANK®
CHRISTINE M BASSO ❑ Please check box for address or telephone
1022 TEAKWOOD LN* 0022547 change.
ENOLA PA 17025 -2046 (Complete form on the reverse side).
4707889655002636 000380554 005976535
-�c- Detach here. Please make check payable to STATE_ FARM_ BANK and . send with this remittance . slip the enclosed_ envelope _ . _ , _ _ . _
........ ...............................
For 24 Hour Good Neighbor Service, Page , of
Bank Please C Statement Period: 03/27/12 - 04/26/12
..... .... 1- 877SF4 -VISA 1-877- 734 -8472 ) Account Number: 4707-8896-5500-2636
s Additional contact Information Payment Due
located on reverse side. by 51 ET on: May 23, 2012
Summary of Account Activity
Previous Balance: $5,895.26 Total Credit Limit: $0.00
Payments & Credits: $0.00 Available Credit Limit: $0.00
Purchases & Other Charges: $0.00 Cash Advance Limit: $0.00
Cash Advances: $0.00 Available Cash Advance Limit: $0.00
Fees Charged: $35.00
Interest Charged: $46.27 Closing Date: April 26, 2012
New Balance: $5,976.53 Number of Days in Cycle: 31
Payment Information
New Balance: $5,976.53 Minimum Payment Warning: If you make only the minimum
Minimum Payment Due: $380.55 payment each period, you will pay more in interest and it will take
Payment Due by 5PM (ET) on: May 23, 2012 Ion er to pay off your balance. For Exam le:
Late Payment Warning: If we do not receive your minimum payment If you make no You will payoff the And you will end
by the date and time listed above, you may have to pay a late fee up to additional charges balance shown on up paying
$35.00. using this card this statement in an estimated total
and each month about... of...
YOU pay...
Only the minimum 14 years $9,335
payment
If you would like information about credit counseling services, call 1- 877 - 734 -8472.
State Farm Dollars® Summary
State Farm Dollars Balance 0.00 Lifetime State Farm Dollars Redeemed 105.86
State Farm Dollars Earned This Cycle 0.00
TOTAL STATE FARM DOLLARS REDEEMABLE 0.00
To redeem your State Farm Dollars you must have a minimum of 50 in your Total State Farm Dollars Redeemable balance and your account must be In good standing.
Transactions For: 47074896- 5500 -2636
Posting Transaction Reference
Date Date Number Description $ Amount
FEES
04 -23 -12 04 -23 -12 LATE PAYMENT FEE $35.00
TOTAL FEES FOR THIS PERIOD $35.00
INTEREST CHARGED
Please enter change of address or telephone number below:
Address
city State Zip
Home Phone (include area code) Work Phone (include area code)
To Contact Us Regarding Your Account
m ?
By Telephone: Send Inquires to: Mail Payments to: Visit Our Website:
In U.S. 1- 877 - 734 -8472 P.O. Box 87 P.O. Box 23025 www.statefarm.com
Espanol 1- 877 - 734 -8472 Deposit, New York 13754 -0087 Columbus, Ga 31902 -3025
TDD 1- 877 - 593 -3879
Outside U.S. 1- 706 -644 -0852
Information About Your Account
Here Is How We Calculate Your Interest Charges: Making Payments Disputing Account Information Reported to Credit Bureaus:
Your statement has a "Interest Charges" section. For each type of You must pay all or part of your New Balance at any time. However, We furnish information about your account to credit bureaus. You have
transaction in the "Interest Charges" section, we calculate an average you must always pay at least the Minimum Payment by the Payment the right to dispute the accuracy of the information reported by writing
daily balance and multlply it by the Dally Periodic Rate for that balance Due Date. Mail your payment, made In US dollars, accompanied by to us at: State Farm Bank, PO Box 94, Deposit, New York 13754 -0094.
and by Me number of days In the billing cycle. Then we add all these Me upper portion of your monthly statement, In the enclosed return
products together and we add any transaction fee that applies. Th s envelope or In the payment address State Farm Bank, PO Box 23025, Send All Bankruptcy Notices and Documents To:
gives us the Interest Charge. Columbus, GA 31902 -3025. Pay by check or money order, and be Sure State Farm Bank, PO Box 2327, Bloomington, II 61702-2327
Here Is How We Determine Each Of Your Average Daily o allow Date. wffident you time p ovitle a clredc r your payment pa r us by the Payment
Due Reporting
Balances: When Information d ( to ake a one you authorize us Re time Call orti i Loss, Theft or Unauthoriz mmediately, 24 hours a day, tee at ed Use of Your Card
We calculate an "average daily balance" separately for Purchases enter o use ransfer fro from your r or o m- us ihef or tr thoriz d u VISA of
(excluding introductory period Balance Transfers), Cash Advances, electronic fund transfer from your account When we use Information to process Me payment your Card. You IF you wi ll Suspect the loss, theft use unauthorized
that occurs s of er
Introductory period Balance Transfers, and any special rate offers (as as a check transaction. Information from your Umedc o your Card. s a will not v liable for number o r u
a se that occurs after
applicable). To get the "average daily balance" of your account for make an electronic fund transfer, the funds may be withdrawn from you notify us at the above boll -free number r at PO Box 94, Deposit,
each of these types of transactions, we take the beginning balance of your account as soon as the same day we receive your payment and NY 13754 -0094, orally or in writing, of the loss, theft, or possible
your account each day, add any new Purchases (excluding introductory you will your check k H your nan la1 -8nti S�n unauthorized use. In any case, your liability will not exceed $50.
Period Balance Transfers), Cash Advances, introductory period Balance (1-877 -734- 8472). All payments (including phone remits, overnight Payments with Special Handling Instructions
Transfers or other special rate offers (as applicable:), and subtract any mll, etc) received by us at the payment address by 5:00 P.M. Eastern Any payment Instrument you send us for less than the full balance due
Payments and Credits applied to that type of transaction under the Time, Monday through Friday (Sur normal business days), Will be that K marked "paid n full" or smilar notation, or that you otherwise
payment allocation method [hen n effect. This gives us the daily creditetl ygwr Account as of that day. All payments (Including phone tender n full satisfaction of a disputed amount, must be sent to State
balance for each of these types of transactions. (Credit balanc es are remits, overnight mail, etc) received by us at the address indicated Farm Bank, PO Box 2326, Bloomington, IL 61702 -2326. We reserve all
treated as zero for purposes of calculating the dally balances.) Then, after 5:00 P.M. Eastern Time or on any non -bank business day, our rights regarding won Instruments. For example, if It K determined
we add all of the daily balances for the billing cycle for each of these Including bank holidays, will be credited to your account on the there K no valid dispute or if any such Instrument is received at any
types of transactions and divide the respective totals by the number of following bank business day. The crediting of payments received in other address, we may accept the instrument and you will call owe
clays In the billing cycle. This gives us the "average daily balance" for any wirer manner may be delayed. any remaining balance. Or, we may refuse o accept any such
your account for each of these types of transactions. The average dally Instrument by returning it to you, not cashing It or destroying ft. All
balances include current transactions for Purchases ("cluding Balance State Farm Dollars® other payments should be sent to the payment address shown on the
Transfers) and for Cash Advances, except that if the Previous Balance If eligible, you will automatically aim State Farm Dollars in accordance front of this statement.
of your account was zero balance. or a credit bal Purchases posted to your with the terns and conditions disclosed In your State Farm Dollars
account during the billing cycle are not Included in the daily balances Terms and Conditions brochure on purchases you make with your Service for the Hearing Impaired (TDDrrYY)
of Purchases for purposes of calculating the Interest Charge. State Farm Bank Visa Card. Once you earn 50 State Farm Dollars, you For any questions or other communications about your Account, please
If there s a M next o time Deity Periodic Rate on the front of your can apply your reward Dollars to the State Farm product of your contact our service for the hearing impaired at 1- 877 -593 -3879.
statement, this means that the rate may vary. The variable APR is the choice by accessing your account online at statefarm.com or calling
p lus your margin as disclosed n our Credit Card 1 877 - SF4 - VISA (1 - 877 - 734 - 8472) Special Rule for Credit Card Purchases
Prime Rate
p 9 Y If you have a problem with the quality of goods or servioas that you
Agreement and Disclosure Statement and any amendments) thereto. Billing Rights Summary purchased with a credit card, and you have tried In good faith to
cement the problem with the then you may not have to pay the
If the "INTEREST CHARGED" on Me front of your statement is $1.50 good
(or a lesser amount as disclosed in your credit card agreement, as In Case of Errors or Questions About Your Bill remaining amount clue on the go
amended), then the Minimum Interest Charge has been applied to If you think lnk your bill wrong, , mit u if you need more h[S about a protection only when the purchase price w smokes. You have this
e was more than $50 and the
transaction on your bill, write us on a separate 41-eel 142 at at State Farm purchase was made i n your home state arc 100 miles a your
Your Account during the billing cycle.
Bank PO Box 1420, Deposit, New York 13754 -1420 as soon as marines address. (If we awn or operate the a mercthant, or M we mailetl
A transaction fee Interest Charge may be imposed on each Cash possible. We must hear from you no later than 60 days after we sent you the advertisement for the property or services, all Purchases are
Advance, Convenience Check and Balance Transfer. If such a You the first bill on which the corer or problem appeared. You can covered regardless of amount or location of purchase.)
's
transaction fee Imposed, the resulting Annual Percentage Rate for telephone us, but doing w will not preserve your rights.
pos 9 State Farm Bank Credit Protection Program
the billing cycle may be greater than any of the Corresponding Annual In your letter, give us the following information: Your purchase of the State Farm Bank Credit Protection Program is
Percentage Rates of Me Dally Periodic Rates. optional. The monthly fee for the State Farm Bank Credit Protection
1. Your name and Account number program is based on your total account statement balance each month
Purchases Grace Period 2. The dollar amount of the Suspected env. multiplied by the unit cost which is $0.74 per $100. You have the right
There will not be an interest charge on Purchases first posted on this 3. Describe the env and explain, If you can, why you believe there to cancel Me State Farm Bank Credit Protection Program at any time
statement of your account ti you pay the entire New Balance by the is an error. If you need more Information, describe the Rem you for any reason by calling or writing State Farm Bank or the program
Payment Due Date shown on the front of this statement. You may are unsure about. administrator. State Farm Bank has the right to cancel the State Farm
avoid an interest charge on Purchases for the billing cycle in which Bank Credit Protection Program if: (1) your account becomes more
they are fast posted to your Account if that cycle began with a You do not have to pay any amount in question while we are than 60 days delinquent; or (2) at any time and for any reason by
previous balance of zero. We may charoe DICi on balances from investigating, but you are still obligated to pay the parts of your bill giving you written notice of cancellation at least 30 days "advance.
the Previous billnw cycle bewinn "g the first clay of the new bill"' that are rot in question. While we investigate your question, we
This means You will receive a statement the following month cannot report the amount kh question as delinquent or take any action There are eligibility requirements, conditions, and exclusions that
for interest that awed from the closnw date of ihe'reviws blllln' to collect the amount you question. could prevent you from receNing benefits under the State Farm Bank
cycle until the date of Your oavment In -full was oostetl o your avount Credit Protection Program. You many find a complete explanation of
To minimize the amount of this interest oav the entire New Balance If you have authorized us to pay your credit card bill automatically eligbalty requirements, conditions, and exclusions in section 3 through
In full mmedlateM1 upon a lo[ of your Monthly statement Fait from your savings or checking account, you can stop the payment on 12 of the State Farm Bank Credit Protection Program Terns and
Periodic statement must be mailed or delivered to the consumer not any amount you Mink Is wrong. To stop the payment your letter must Conditions that will be Included with your fulfillment materials.
later than 21 clays before the payment due date. There is no grace reed- us three business days before the automatic payment K
Period for Cash Advances and Balance Transfers. Scheduled to occur. Or, you may call us at the telephone number for
nce Customer Service shown on the front of this statement at least three
When Charges are Added to Your Average Dally Bala
Purchases, Cash Advances and other debits are added o Me daily business clays before Me automatic K schetluled o occur. balance as of the transaction date (" Me "Transaction Date" column
on the front of the statement) . At our option, we may wait until the
posting date to add the transaction to the daily balance. The posting
date K the date we actually process the transaction to your account.
.. ...... ............................... . .. . . . .. ..... ..... .. . ... . .. . . .. ......._........_..
Page 3 of 4
Transactions For: 4707 -8896- 5500 -2636
Posting Transaction Reference
Date Date Number Description $ Amount
INTEREST CHARGE - PURCHASES $46.27
TOTAL INTEREST FOR THIS PERIOD $46.27
2012 TOTAL YEAR -TO -DATE
Total Fees Charged in 2012 $105.00
Total Interest Charged in 2012 $181.37
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Balance
Percentage Subject to Interest
Type of Balance Rate Interest Rate Charge
Purchases 9.24% (v) $5,899.77 $46.27
Cash 18.24% (v) $0.00 $0.00
(v) = Variable Rate
Please enter the account number on all checks and correspondence.
News /Important Messages etc...
Your account is DELINQUENT AND IN COLLECTIONS. Since your account has two payments due, we will be contacting you for
payment arrangements. You may also contact us at 1- 800 - 932 -5751 to make the required payment over the phone.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page - 4 of 4 . ..
Account Number: 4707 -8896- 5500 -2636
4TATP PALM
g
New Balance: $5,895.26
Payment Due by 5PM (ET) on: April 23, 2012
Bank
INlURANC� Minimum Payment Due: $239.28
Amount Past Due: $103.38
Amount Enclosed: $ J—
STATE FARM BANK
PO BOX 23025
COLUMBUS GA 31902 -3025
Make Check Payable to: STATE FARM BANK®
CHRISTINE M BASSO ❑ Please check box for address or telephone
1022 TEAKWOOD LN ** 0022692 change.
ENOLA PA 17025 -2046 (Complete form on the reverse side).
4707889655002636 000239281 005895267
A- Detach here. Please make check payable to STATE . FARM - BANKand . with this remittance. enclosed_ envelope... _ _ _ .... .
-------------
For 24 Hour Good Neighbor Service, Page 1 of4
Banks 1- 877 -SF4 Pleas ( C Statement Period: 02 - 12
-VISA 1-877- 734 -8472 ) Account Number: 4707 - 8896 - -8896- 5500 -2600-2636
= Additional contact Information Payment Due
located on reverse side. b 5PM ET on: Aril 23, 2012
Summary of Account Activity
Previous Balance: $5,817.54 Total Credit Limit: $0.00
Payments & Credits: $0.00 Available Credit Limit: $0.00
Purchases & Other Charges: $0.00 Cash Advance Limit: $0.00
Cash Advances: $0.00 Available Cash Advance Limit: $0.00
Fees Charged: $35.00
Interest Charged: $42.72 Closing Date: March 26, 2012
New Balance: $5,895.26 Number of Days in Cycle: 29
Payment Information
New Balance: $5,895.26 Minimum Payment Warning: If you make only the minimum
Minimum Payment Due: $239.28 payment each period, you will pay more in interest and it will take
Payment Due by 5PM (ET) on: April 23, 2012 lon erto a off our balance. For Exam le:
Late Payment Warning: If we do not receive your minimum payment If you make no You will pay off the And you will end
by the date and time listed above, you may have to pay a late fee up to additional charges balance shown on up paying
$35.00. using this card this statement in an estimated total
and each month about... of...
you pay...
Only the minimum 26 years $10,071
payment
If you would like information about credit counseling services, call 1- 877 - 734 -8472.
State Farm Dollars® Summary
State Farm Dollars Balance 0.00 Lifetime State Farm Dollars Redeemed 105.86
State Farm Dollars Eamed This Cycle 0.00
TOTAL STATE FARM DOLLARS REDEEMABLE 0.00
To redeem your State Farm Dollars you must have a minimum of 50 in your Total State Fame Dollars Redeemable batance and your account must be in good standing.
Transactions For: 4707 -8896- 5500 -2636
Posting Transaction Reference
Date Date Number Descri tion $ Amount
FEES
03 -23 -12 03 -23 -12 LATE PAYMENT FEE $35.00
TOTAL FEES FOR THIS PERIOD $35.00
INTEREST CHARGED
Please enter change of address or telephone number below:
Address
city State Zip
Home Phone (include area code) Work Phone (Include area code)
To Contact US Regarding Your Account
m ? ® '�
By Telephone: Send Inquires to: Mail Payments to: Visit Our Website:
In U.S. 1- 877 - 734 -8472 P.O. Box 87 P.O. Box 23025 www.statefarm.com
Espanol 1- 877 - 734 -8472 Deposit, New York 13754 -0087 Columbus, Ga 31902 -3025
TDD 1- 877 - 593 -3879
Outside U.S. 1- 706 - 644 -0852
Information About Your Account
Here Is How We Calculate Your Interest Charges: Making Payments Disputing Account Information Reported to Credit Bureaus:
Your statement has a "Interest Charges" section. For each type of You must pay all or part of your New Balance at any time. However, We furnish information about your account to credit bureaus. You have
transaction in the "Interest Charges' section, we calculate an average you must always pay at least the Minimum Payment by the Payment the right to dispute the accuracy of the information reported by writing
daily balance and multiply It by the Dally Periodic Rate for that balance Due Date. Mall your payment made In US dollars, accompanied by to us at State Farm Bank, PO Box 94, Deposit New York 13754 -0094.
and by the number of days In the billing cycle. Then we add all these the upper portion of your monthly statement In the enclosed return
products together and we add any transaction fee that applies. This mew or to the payment address State Farm Bank, PO Box 23025, Send All Bankruptcy Notices and Documents To:
gives us the Interest Charge. Columbus, GA 31902 -3025. Pay by check or money order, and be sure State Farm Bank, PO Box 2327, Bloomington, 11 61702-2327
ere Is How We Determine Each Of Your Average Daily to allow sufficient time for your payment to reach us by the Payment
H
Balances: Due Date. When you provide a drecl( as payment you authorize us Reporting Loss, Theft or Unauthorized Use of Your Card
check
We calculate an "average daily balance" separately for Purchases either to use Information from your retl( make a one -time Call us Immediately, 24 hours a day, toll -free at 1- 877 -SF4 -VISA
Advances, electronic fund transfer from your account or to process the payment (1- 877 -734 -8472) B you suspect the loss, theft or unauthorized use of
(excluding Introductory period Balance Transfers), Cash A
Introductory period Balance Transfers, and arty special rate dvan es, as a check transaction. When we use my from your died( to your Card. You will not be liable for unauthorized use that occurs after
Into doctor verage daily balance" a your account for make an electrons: fund transfer, the funds y be withdrawn from you nobly us at the above toll -free number or at PO Box 94, Deposit
each of le). type of To get the "a , we take the beginning balance of your amount as soon as the same day we receive your payment and NY 13754 -0094, orally or in writing, of the loss, theft, or possible
thes each day, add any new Purchases (excluding introductory you will not moelve your check batik from your financial instibution. If unautthoraed use. In any case, your liability will not exceed ;50.
your of
you have any questions about ACH, please dell
period Balance Transfers), Cash Advances, introductory period Balance nits, SF VISA
Transfers or other special rate offers (as applicable), and subtract any ( �)N d l mail, byus� a payment address b 05 0 ' y P.M. E overnight tern Any v
payment instrument Handling
nt you send forr Mess Instructions the full balance due
Payments and Credits applied to that type of transaction under the Tme Monday through Friday (our normal business days), will be that is marked "paid in full" or similar notation, or that you otherwise
payment allocation method then in effect. This give us the dally credited to your Account as of that day. All payments (Inducting phone [ends in full satisfaction of a disputed amount, mho[ be sent to Sate
balance for each of these types of transactions. (Credit balances are .Its, overnight mail, etc) recelved by us at the address indicated Farm Bank, PO Box 2326, Bloomington, IL 61702 -2326. We reserve all
treated as zero for purposes of calculating the dally balances.) Then, after 5:00 P.M. Eastern Tim or on any non -bank business day, our rights regarding such Instruments. For example, If it Is determined
we add all of the daily balances for the billing cycle for each of these Including bank horidays will be credited to your amount on the mere Is no valid dispute or if any such Instrument is received at any
types of transactions and divide the respective totals try the number of tollowIng bank business day. The crediting of payments received in other address, we may accept the instrument and you will still owe
days n the billing cycle. This gives us the "average dally balance" for any other manner may be delayed. any remaining balance. Or, we may refire to accept any such
your account for each of these type of trarhsactiors. The avenge daily balance. Instrument by returning It to you, not cashing it or destroying It. All
balances include current transactions for Purchases (including Balance State Farm Dollars(P other payments should be sent to the payment address shown on the
Transfers) and for Cash Advance, except that If the Previous Balance If eligible, you will automatically earn Stare Farm Dollars in accordance hunt of this statement.
of your account was zero or a credit balance. Purchases posted to your with the terms and conditions disclosed in your State Farm Dollars
account during the billing cycle are not included In the dally balances Terms and Conditions brochure on purchases you make with your Service for the Hearing impaired (TODITYY)
of Purchases for purposes of calculating the Interest Charge. State Farm Bank Visa Card. Once you earn 50 State Farm Dollars, you For any questions or other communications about your Amount, please
If there s a (V) next to the Daily Periodic Rate on the front of your can apply your reward Dollars to the State Farm products of your contact our service for the hearing impaired at 1- 877 -593 -3879.
statement, this means that the rate m vary. he variable APR is the choice by accessing your account online at statelarn.cem or calling
ry' 1- 877-VISA (1- 877 - 734 -8472} Special Rule for Credit Card Purchases
Prime Rate plus your margin as disclosed n your Cred it Card If you have a problem with the quality of goods or services that you
Agreement and Disclosure Statement and any amentlmem(s) thereto. Billing Rights Summary purchased with a credit card, and you have tried In good faith to
If the "INTEREST CHARGED" on the front of your statement is ;1.50 rs correct the problem with the merchant you may not have to pay the
I D" ent f lesser as In Case of Erro or Questions About Your Bill remaining amount clue on the goods or services. You have this
(or a a le less er amount RED" disclosed In your credit card agreement i s $ then the Minimum Interest Charge has been applied to If you think your bill is wrong, or If you need mom nformatlon about a protection only when the purchase price was more than ;50 and the
transaction on your bill, write us on a separate sheet at State Farm purchase was made n your home state or within 100 miles of your
your Account during the billing cycle.
Bank, PO Box 1420, Deposit, New York 13754 -1420 as soon as mailing address. (If we own or operate the merchant or if we mailed
A transaction fee Interest Charge may be imposed on each Cash possible. We must hear from you no later than 60 days after we sent you the advertisement for the property or services, all Purchases are
Advance, Convenience Check and Balance Transfer. If such a you the first bill on which the eror or problem appeared. You can covered regardless of amount or locatlon of purchase.)
transaction fee is imposed, resulting Annual Percentage Rate for telephone us, but doing so will not preserve your rights.
po the 9 State Farm Bank Credit Protection Program
the billing cycle may be greater than any of the Corresponding Annual In your letter, give us the following Information: Your purchase of the State Farm Bank Credit Protection Program is
Percentage Rates of the Dally Periodic Rates. optional. The monthly fee for the State Farm Bank Credit Protection
Period 1. Your name and Account number. program is based on your total account statement balance each month
Purchases Grace P charge on Purchase first posted on this error 2. The dollar amount of the suspected error. multiplied by the unit cast which is $0.74 per $100. You have the right
There will not be an eriod Interes you pay the entire New Balance try the 3. Describe the and explain, If you can, why you believe there to cancel the State Farm Bank Credit Protection Program at any time
statement of your account Payment Due Date shown If the front of this statement You may is an error. If you need more Information, describe the Item you for any reason by caling or writing State Farm Bank or the program
Paym are unsure about. administrator. Sate Farm Bank has the right to cancel the State Farm
avoid an Interest charge on Purchases for the billing cycle in which
your Account if that cycle began with a Bank Credit Protection Program if: (1) your account becomes more
they are Bret posted to balance of zero. your mac cage Intact le balances from You do not have to pay any amount in question while we are than 60 days delinquent; or (2) at any time aril for airy reason by
previous
t119-one 'wit bi o odes We r n y the first ms of the new billing from investigating, but you are still obligated to pay the parts of your bill giving you written notice of cancellation at least 30 days In advance.
n,rl This means you will receive a atement the tolbwing rtanth that are not in question. While on as delinquent or Investigate your question, we
for interest that accrued from the closing date of dies oreviws billing cannot report the amount n question any action There are eligibility requirements, conditions, and tale F that
Farm
c de until the date of vour anent in -full was oos[ed ro vour account to Wlect the amount you question. could prevent you from m. You any find benefits under the Sate Farm Bank
amount gf this interest oav the entire New Balance Credit Protection Program. You many fi x a complete explanation of
To minimize the upon receipt of vour monthly statement Each If you have authorized us to pay your Breda adtl bill automatically 12 ofity requirements, conditions, k e and exclusions in section 3 through
in -full Immediately
periodic statement must be mailed or delivered to the consumer not from your savings or checking account you can stop the payment on 12 of the Sale Farm Bank Credit Protection Program Terns and
ayment due date. re is no grace any amount you think is wrong. To stop the payment your letter must Conditions that will be included with your fuI011ment materials.
later than 21 days before the p The
Period for Cash Advances and Balance Irnsfem. scheduled to occur! Or, you my oil u automatic
s at telephone e n number for
When Charges are Added to Your Average Daily Balance Customer Service shown w the Bont of this statement at least three
Purchases, Cash Advances and other debits are added to the daily bhsIness days before the automatic: payment is scheduled to occur.
balance as of the transaction date (In the "Transaction Date" column
on the front of the statement) . At our option, we may wait until the
posting date to add the transaction to the dally balance. The posting
date is the date we actually process the transaction to your account.
Page
Page 3 of 4
Transactions For: 4707- 8896 - 5500 -2636
Posting Transaction Reference
Date Date Number Description $ Amount
INTEREST CHARGE - PURCHASES $42.72
TOTAL INTEREST FOR THIS PERIOD $42.72
2012 TOTAL YEAR -TO -DATE
Total Fees Charged in 2012 $70.00
Total Interest Charged in 2012 $135.10
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Balance
Percentage Subject to Interest
Type of Balance Rate Interest Rate Charge
Purchases 9.24% (v) $5,822.36 $42.72
Cash 18.24% (v) $0.00 $0.00
(v) = Variable Rate
Please enter the account number on all checks and correspondence.
News /Important Messages etc...
Your account is delinquent and in collections. Send the full payment due today in the enclosed envelope. If we do not receive the
payment within five days of this statement's closing date, we may contact you for payment arrangements.
............... .................................................... ------------------------------------ I ---------
Page 4 of 4
F Account Number: 4707 -8896- 5500 -2636
,TAT! PALM New Balance: $5,817.54
Payment Due by 5PM (ET) on: March 23, 2012
Ba
INlU0.ANC� Minimum Payment Due: $103.38
Amount Enclosed: $
STATE FARM BANK
PO BOX 23025
COLUMBUS GA 31902 -3025
Make Check Payableto: STATE FARM BANK®
CHRISTINE M BASSO El Pleasecheck boxfor addressor telephone
1022 TEAKWOOD LN «* 0022914 change.
ENOLA PA 17025 -2046 (Complete form on the reverse side).
4707889655002636 000103382 005817547
Detach_ here, Please make check payable to STATE nd
FARM_ BANK this remittance slip in the enclosed, envelope _ . .. , , ... .
For 24 Hour Good Neighbor Service, Page 1 of 4
Banks Please C I: Statement Period: 01/27/12 - 02/26/12
1- 877 -SF4 -VISA 1-877 -734 -8472 ) Account Number: 4707 - 8896 - 5500 -2636
Additional contact Information Payment Due
located on reverse side. by 5PM ET on: March 23, 2012
Summary of Account Activity
Previous Balance: $5,939.95 Total Credit Limit: $0.00
Payments & Credits: $168.07 Available Credit Limit: $0.00
Purchases & Other Charges: $0.00 Cash Advance Limit: $0.00
Cash Advances: $0.00 Available Cash Advance Limit: $0.00
Fees Charged: $0.00
Interest Charged: $45.66 Closing Date: February 26, 2012
New Balance: $5,817.54 Number of Days in Cycle: 31
Payment Information
New Balance: $5,817.54 Minimum Payment Warning: If you make only the minimum
Minimum Payment Due: $103.38 payment each period, you will pay more in interest and it will take
Payment Due by 5PM (ET) on: March 23, 2012 onci to p ay off your balance. For Exam le:
Late Payment Warning: If we do not receive your minimum payment If you make no You will pay off the And you will end
by the date and time listed above, you may have to pay a late fee up to additional charges balance shown on up paying
$35.00. using this card this statement in an estimated total
and each month about... of...
you pay...
Only the minimum 26 years $10,038
payment
$186 3 years $6,696
(Savings = $3,342
If you would like information about credit counseling services, call 1- 877 - 734 -8472.
State Farm Dollars® Summary
State Farm Dollars Balance 0.00 Lifetime State Farm Dollars Redeemed 105.86
State Farm Dollars Earned This Cycle 0.00
TOTAL STATE FARM DOLLARS REDEEMABLE 0.00
To redeem your State Farm Dollars you must have a minimum of 50 in your Total State Farm Dollars Redeemable balance and your account must be in good standing.
Transactions For: 4707 -8896- 5500 -2636
Posting Transaction Reference
Date Date Number Description
$Amount
PAYMENTS AND CREDITS
02 -01 -12 02 -01 -12 0644 PAYMENT RECEIVED — THANK YOU $168.07CR
INTEREST CHARGED
F i
Please enter change of address or telephone number below:
Address
City State Zip
Home Phone (include area code) Work Phone (include area code)
To Contact Us Regarding Your Account
m
By Telephone: Send Inquires to: Mail Payments to: Visit Our Website:
In U.S. 1- 877 - 734 -8472 P.O. Box 87 P.O. Box 23025 www.statefarm.com
Espanol 1- 877 - 734 -8472 Deposit, New York 13754 -0087 Columbus, Ga 31902 -3025
TDD 1- 877 - 593 -3879
O utside U.S. 1- 706 - 644 -0852
Information About Your Account
Here Is How We Calculate Your Interest Charges: Making Payments Disputing Account Information Reported to Credit Bureaus:
Your statement has a "Interest Charges" section. For each type of You must pay all or part of your New Balance at any time. However, We fum'sh information about your account to Credit bureaus. You have
transaction in the "Interest Charges" section, we calculate an average you must always pay at least the Minimum Payment by the Payment the right to dispute the accuracy of the information reported by writing
dally balance and multlply It by the Dally Periodic Rate for that balance Due Date. Mail your payment, made in US dollars, accompanied by to us at: State Farm Bank, PO Box 94, Deposit New York 13754 -0094.
and by the number of days in the billing cycle. Then we add all these the upper portion of your monthly statement, In the enclosed return
products together and we add arty transaction fee that applies. This envelope or to the payment address State Farce Bank, PO Box 23025, Send All Bankruptcy Notices and Documents To:
gives us the Interest Charge. Columbus, GA 31902 -3025. Pay by check or money order, and be sure State Farm Bank, PO Box 2327, Bloomington, 1161702-2327
Here Is How We Determine Each Of Your Average Daily to allow suffxdent time for your payment to reach us by the Payment
Balances: Due Date. When you provide a checc as payment You authorize us Reporting Loss, Theft or Unauthorized Use of Your Card
We calculate an "average daily balance" separately for Purchases either to use inforcnaton from your check to make a one -time Call us Immediately, 24 hours a day, toll -free at 1-877 -SF4 -VISA
(excluding introductory period Balance Transfers), Cash Advances, electronic fund transfer from your account or to process the payment (1-877 -734 -8472) If you suspect the loss, theft or unauthorized use of
introductory period Balance Transfers, and any special rate offers (as as a check transaction. When we use information from your dhadc to your Card. You will not be liable for unauthorized use that occurs after
applicable). To get the "average dally balance" of your account for make an electronic fund transfer, the funds may be withdrawn from you notify us at time above toll -free number or at PO Box 94, Deposit
each of these types of transactions, we take the beginning balance of your account as soon as the same day we receive your payment and NY 13754 -0094, orally or In writing, of the loss, theft, or possible
your account each day, add any new Purchases (excluding introductory you will not receive your check back from your financial Institution. If unauthorized use. In any case, your liability will not exceed $50.
Period Balance Transfers), Cash Advances, introtluclory period Balance you have any questions about ACH, please call 1- 877 - SF4 -VISA
Transfers or other special rate offers (as applicable), and subtract any (1-877-734-8472) r l received by at the payments ess r 00 Eastern Payments t Special Handling
n Anpaymen instrument yousend Instructions
us for Mess thantie full balance due
Payments and Credits applied to that type of transaction under the Time, Mond through F-rida
Payment allocation method then n effect This gives us the dally Y ( our normal business days), will be that s marked " paid 'n full" or similar notation, or that you otherwise
balance for each of these types of transactions. (Credit balances are maim , A cco un t as of that day. All payments (including phone Fantle in fulls 2 of disputed amount mho[ be Wart State
treated as zero for purposes of calculating the dally balances.) Then , remits, overnight t mail, il, Box 2 etc) received by us at the address Indicated Farm Bank, PO Box 2326, Bloomington, IL 61702 -2326. We reserve all
for each Nes after 5:00 P.M. Eastern Time or on any non -bank business day, our rights regarding such instruments. For example, If it is determined
we acid all of the dairy balances for the billing cycle types of transactions and divide the respective totals the number f the of including bank holidays, will be credited to your —nit on the there 's no valid dispute or t any such instrument is received at any
days n the billing cyan. This gives pe "average daily balance" for following bank business day. The crediting of payments received in other acidness, we may accept the instrument and you will still owe
your account for each of these types of transactions. The average daily any other manner may be delayed. any remaining balance. Q, we may refuse it e accept any such
balances include current transactions for Purchases (including Bala nce instrument by retuning it to you, not cashing It or destroying t. All
Advances, except that t time Previous Balance State Farm Dollars® other payments shoo be sent to the payment address shown on the
Transfers) and for Cash A a credit balance. Purchases pooled al your If eligible, you will automatically earn State Farm Dollars n accordance front of this statement.
of your account was zero
account during the billing cycle are not included n the dally balances with the terms and conditions disclosed n your Stale Farm Dollars
of Purchases for purposes of calculating the Interest Charge. Terms
and Conditions brochure on purchases you make with your Service for the Hearing Impaired (TDDfTYY)
State Farm Bank Visa Card. Once you ear 50 State Farm Dollars, you For any questions or other communications about your Account, please
If there Is a (V) next to the Dally Periodic Rate on the front of your can apply your reward Dollars to the State Farm products of your contact our service for the hearing Impaired at 1- 877 -593 -3879.
statement, this means that the rate may vary. The variable APR's the choice by accessing your account online at statefarm.com or calling
Prime Rate plus your margin as disclosed n your Credit Cab 1.877SF4 -VISA (1 -877- 734 -8472) Special Rule for Credit Card Purchases
Agreement and Disclosure Statement and any amendment(S) Nerero. If you have a problem with the quality of goods or services that you
Billing Rights Summary purchased with a credit card, and you have tried In good faith to
correct the problem with the merchant you may not have to pay the
D" F the "INTEREST CHARGED" on the front of your statement s $1.50
I "I f a lesser amour R E etl in your Credit card agreement es In Case of Errors or or Questions About Your Bill remaining amount due on the goods or services. You have this
amended), then the Minimum Interest Charge has been applied to transaction you think your bill s wrong, or if you need more information about a protection only when the purchase price was more than $50 and the
your Account during the billing cycle. transaction on your bill, write us on a separate sheet at State Farm purchase was made n your home state or within 100 miles of your
Bank PO Box 1420, Deposit, New York 13754 -1420 as soon as mailing address. (If we own or operate the merchant or if we mailed
A transacdon fee Interest Charge may be Imposed on each Cash possible. We must hear from you no later than 60 days after we sent you the advertisement for the property or services, all Purchases are
Advance, Convenience Check and Balance Transfer. If such a you the first bill on which the error or problem appeared. You on covered regardless of amount or location of purchase.)
transaction fee Is imposed, the resulting Annual Percentage Rate for telephone us, but doing so will not preserve your rights.
the billing cycle may be greater than any of the Corresponding Annual State Farm Bank Credit Protection Program
Percentage Rates of the Daily Periodic Rates. In your later, give us the following information: Your purchase of time State Farm Bank Credit Protection Program
optional. The nonthry fee for the Stale Farm Bank Credit Protection
Purchases Grace Period 1. Your name and Account number. program Is based on your total account statement balance each month
There will not be an interest charge on Purchases first posted on this 2. The dollar amount of the suspected emor. multiplied by the unit cost which is $0.74 per $100. You have the right
statement of your account if you pay the entire New Balance by the 3. Describe the error and explain, If you can, why you believe there to cancel the State Farm Bank Credit Prottction Program at any time
Payment Due Date shown on the front of this statement. Yo nnay s an error. If you need mom information, describe the Item you for any reason by calling or writing State Farm Bank or the program
on Purchases for the billing cycle in which er rt. e unsure about. administrator. State Farm Bank has the right to cancel the State Farm
avoid an interest your Account If that cycle cycle w h a Bank Credit Protection Program if: (1) your account becomes more
they are first sated to yo
previous balance st zero. yo may cunt Interest le balances from You do not have to pay any amount In question mles we are than 60 days delinquent; or (2) at any time and for any reason by
the previous " ll n cycle beginnno Ne first day of the new billing investigating, but you are still obligated to pay the parts of your bill giving you writer notice of cancellation at least 30 days in advance.
le Ths means you will receive a statement the following rtanN Nat are not n question. While we investigate your question, we
wa
for interest that accrued from the U sta date of the orevlous billing cannot report the amount n re question as delinquent or take any action There a eligibility requirements, corti itions, and exclusions that
cycle until the date of your Pit Grit in -full was posted to your account to collect the amount you question. coub prevent you from receiving benefits under the State Farm Bank
To Ne amount of Nis interest pay the entire New Balance Credit Protection Program. You many find a complete explanation of
To minimize full knme th a Won recelot of sour moh a sr New [ Each If you have authorized us to pay your Credit yard bill automatically eligibility requirements, conditions, and exclusions in section 3 through
Periodic statement must be mailed or delivered to the consumer rot from your savings or checking account You can stop the payment on 12 of the State Farm Bank Credit Protection Program Terms and
later N ta
an 21 days before e payment due date. There is no grace any amount you think is wrong. To stop the payment your letter must Conditions that will be included with your fulfillment materials .
period for Cash Advances anti Balance Transfers. —On us three business days before the automatic payment is
scheduled to occur. Or, you may all us at the telephone number for
When Charges are Added to Your Average Daily Balance Customer Service shown on the front of this statement at least three
Purchases, Cash Advances and other debits are added to the daily business days before the automatic payment is scheduled to occur.
balance as of the transaction date (n the "Transaction Date" column
on the front of the statement) . At ow option, we may wait until the
posting date to add the transaction to the dally balance. The posting
date is the date we actually Process the transaction to your account.
I
Page 3 of 4
Transactions For: 4707 - 8896- 5500 -2636
Posting Transaction Reference
Date Date Number Description $ Amount
INTEREST CHARGE - PURCHASES $45.66
TOTAL INTEREST FOR THIS PERIOD $45.66
2012 TOTAL YEAR -TO -DATE
Total Fees Charged in 2012 $35.00
Total Interest Charged in 2012 $92.38
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Balance
Percentage Subject to Interest
Type of Balance Rate Interest Rate Charge
Purchases 9.24% (v) $5,798.98 $45.66
Cash 18.24% (v) $0.00 $0.00
(v) = Variable Rate
Please enter the account number on all checks and correspondence.
---------- ------------- --------------- ------------- ------------ ...........................................
Page 4 of 4
F 6TAi0 FAlM Account Number: 4707 - 8896 - 5500 -2636
New Balance: $ 23, 2012
Bank"
Payment Due by 5PM (ET) on: February 23, 2012
INlYRANC� Minimum Payment Due: $168.07
Amount Past Due: $27.77
Amount Enclosed: $
STATE FARM BANK
PO BOX 23025
COLUMBUS GA 31902 -3025
Make Check Payableto: STATE FARM BANK®
CHRISTINE M BASSO 1-1 Please check boxfor address or telephone
1022 TEAKWOOD LN ** 0023286 change.
ENOLA PA 17025 -2046 (Complete form on the reverse side).
4707889655002636 000168071 005939951
t Detach_ here.. Please make check payable to STATE_ FARM BANK and,send with this remittance slip in the enclosed envelope, , . _ , , , . , . _
For 24 Hour Good Neighbor Service, Page 1 of
O
Please C Statement Period: 12 - 12
Banke
1- 877 -SF4 -VISA 1- 877 -734 -8472 ) Account Number: 4707 - 8896 -8896 - 5500 -2600-2636
rumuuc�
Additional contact Information Payment Due
located on reverse side. by 5PM ET on: Februa 23, 2012
Summary of Account Activity
Previous Balance: $6,078.23 Total Credit Limit: $0.00
Payments & Credits: $220.00 Available Credit Limit: $0.00
Purchases & Other Charges: $0.00 Cash Advance Limit: $0.00
Cash Advances: $0.00 AvailableCash Advance Limit: $0.00
Fees Charged: $35.00
Interest Charged: $46.72 Closing Date: January 26, 2012
New Balance: $5,939.95 Number of Days in Cycle: 31
Payment Information
New Balance: $5,939.95 Minimum Payment Warning: If you make only the minimum
Minimum Payment Due: $168.07 payment each period, you will pay more in interest and it will take
Payment Due by 5PM (ET) on: February 23, 2012 Ion erto p ay off your balance. For Exam le:
Late Payment Warning: If we do not receive your minimum payment If you make no You will payoff the And you will end
by the date and time listed above, you may have to pay a late fee up to additional charges balance shown on up paying
$35.00. using this card this statement in an estimated total
and each month about... of...
YOU pay...
Only the minimum 26 years $10,207
payment
$190 3 years $6,840
Savings = $3,367
If you would like information about credit counseling services, call 1- 877- 734 -8472.
State Farm Dollars@ Summary
State Farm Dollars Balance 0.00 Lifetime State Farm Dollars Redeemed 105.86
State Farm Dollars Earned This Cycle 0.00
TOTAL STATE FARM DOLLARS REDEEMABLE 0.00
To redeem your State Fann Dollars you must have a minimum of 50 in your Total Stale Farm Dollars Redeemable balance and your account must be in good standing.
Transactions For: 4707 - 8896 -5500 -2636
Posting Transaction Reference
Date Date Number Descri tion $ Amount
PAYMENTS AND CREDITS
01 -06 -12 01 -06 -12 6215 PAYMENT RECEIVED -- THANK YOU $220.000R
FEES
01 -23 -12 01 -23 -12 LATE PAYMENT FEE $35.00
TOTAL FEES FOR THIS PERIOD $35.00
INTEREST CHARGED
Please enter change of address or telephone number below:
Address
City State Zip
Home Phone (include area code) Work Phone (include area code)
To Contact Us Regarding Your Account
m ?
By Telephone: Send Inquires to: Mail Payments to: Visit Our Website:
In U.S. 1- 877 - 734 -8472 P.O. Box 87 P.O. Box 23025 www.statefarm.com
Espanol 1- 877 - 734 -8472 Deposit, New York 13754 -0087 Columbus, Ga 31902 -3025
TDD 1- 877 -593 -3879
Outside U.S. 1- 706 -644 -0852
Information About Your Account
Here Is How We Calculate Your Interest Charges: Making Payments Disputing Account Information Reported to Credit Bureaus:
Your statement has a "Interest Charges" section. For each type of you must pay all or part of your New Balance at any time. However, We furnish information about your account to credit bureaus. You have
transacbm
in the "Interest Charges" section, we calculate an average you must always pay at least the Minimum Payment by the Payment the right to dispute the accuracy of the Information reported by writing
daily balance and multiply It by the Daily Periodic Rate for that balance Due Dale. Mail your payment made In US dollars, accompanied by to us at: State Farm Bank, PO Box 94, Deposit, New York 13754 -0094.
and by the number of days in the billing cycle. Then we add all these the upper portion of your monthly statement in the enclosed return
products together and we add any transaction fee that applies. Th6 envelope or to the payment address State Fan Bank, PO Box 23025, Send All Bankruptcy Notices and Documents To:
gives us the Interest Charge. Columbus, GA 31902 -3025. Pay by check or money order, and be sure State Farm Bank, PO Box 2327, Bloomington, 1161702-2327
Here Is How We Determine Each Of Your Averege Dally to allow sufficient time for your payment to madh us by the Payment
Balances: Due Date. When you provide a check as payment you authorize us Reporting Loss, Theft or Unauthorized Use of Your Card
fid, a "average dally balance" separately for Purchases either to use Information from your re make a one -time Call us immediately, 24 hours a clay, toll -free at 1- 877 -SF4 -VISA
We calculate an ory period Balance Transfers), electronic fund transfer from your account or to process the payment (1- 877 - 734-8472) if you suspect the loss, theft or unauthorized use of
(excluding an "a
—age
period Balance Transfer, aunt any special Cash Advances, rate offers (as as a check transaction. When we use Information from your died, to your Card. You will net be liable for unauthorized use that occurs after
ge dally balance" of your owner[ for
make an electronic fund transfer, the funds may be withdrawn from you notify us at the above toll -free number or at PO Box 94, Deposit
applicable). To get the
each of these types of "average are take the beginning balance of your account as soon as the same day we receive your payment and NY 13754 -0094, orally or in writing, of the loss, theft, or possible
your account each day, atltl any new Purchases (excluding introductory you will not receive your check bad, from your finandal Institution. If unauthorizizel use. In any case, your liability will not exceed $50.
you have any questions about
period Balance Transfers), Cash Advances, introductory period Balance , SF Overnight r ght Pa yments with Special Handling Instructions
Transfers or other special rate offers (as applicable), and subtract any (1- 877-734-8 All payments (including rail uding phone 5:m006ini,
Payments and Credits applied to that type of transaction under the rtall, etc) received by us at the payment address by 5:00 P.M. Eastern Any payment I full" or similar notation, or that you otherwise
payment allocation method then n effect This gives us the dally Time, Monda y through Friday (our normal business days), will be that s marked "paid paid n instrument Yo u semi us for less than the full balance due
balance for each of these types of transactions. (Credit balances are credited to your Account as of that day. All payments (including phone tender in full satisfaction of a disputed amount must be sent o State
treated as zero for purposes of calculating the daily balances.) Then, remits, overnight mall, etc) neceNed by us at the address indicated Farm Bank, PO Box 2326, Bloomington, IL 61702-2326. We reserve all
we add all of the daily balances for the billing cycle for each of these after 5:00 P.M. Eastern Time or on any non -bank business day, our rights regarding such instruments. For example, if It is determined
y the number of including bank holidays, will be credited to your account on the there s no valid dispute or if any such instrument is received at any
types of transactions and divide the respective totals b
days n the billing pole. This gives us the "average daily balance" for any other manner may be delayed. following bank business day. The creditag of payments received in other address, we may accept the instrument and you will still owe balance. Or, we m
your in for each of these types of transactions. The average dally InsWme t returning it to you, of cashing it to accept any or destroying R A I
balances include anent transactions for Purchases (including Balance State Farm Dollars® other payments should be sent to the payment address shown On the
Transfers) and for Cash Advances, except that if the Previous Balance If eligtie, you will automatically earn State Farm Dollars In accordance front of this statement.
of your account was zero or cycle am balance. Purchases posted fo your with the terms and conditions disclosed In your State Farm Dollars
account during the billing cycle are not included n the daily ba la nces Terms and Conditions brochure on purchases you make with your Service for the Hearing Impaired (TDDrrYY)
of Purchases for purposes of calculating the Interest Charge. State Farm Bank Visa Card. Once you earn 50 State Farm Dollars, you For any questions or other communications about your Account, please
If there s a Cu) rhea[ a the Daily Periodic Rate on the front of your can apply your reward Dollars to the State Farm products of your contact our service for the hearing impaired at 1- 877 -593 -3879.
Rate his means that the rate may vary. The variable APR is the choice F accessing your account online at statefarm.com or calling
statement, this plus your margin as disclosed n our Credit Card h-8775F4 -VISA (1 -877- 734 -8472} Special Rule for Credit Card Purchases
Prim 9 Y If you have a problem such the quality of goods or services that you
Agreement and Disclosure Statement and any amendment(s) thereto. Billing Rights Summary purchased with a credit card, and you have tried In good faith to
If the "INTEREST CHARGED" on the front of you statement is $1.50 correct the problem with the merchant you may not have to pay the
I f a lasser amount R disclosed In your credit card agreement, as In Case of Errors or Questions About Your Bill remaining amount due on the goods or services. You have this
Minimum Interest Charge has been applied [o If you think your bills wrong, or if you need more Information about a protection Only when the purchase price was more than $50 and the
amended), then the
your Account during the nimu cycle. transaction on h your bill, write us on a separate sheet at State Farm purchase was made your home state or within 100 miles of your
Bank, PO Box 1420, Deposit, New York 13754 -1420 as soon as mailing address. (If we own or operate the merchant or if we mailed
A transaction fee Interest Charge may be Imposed on each Cash possible. We must hear from you o later than 60 days after we sent you the advertisement for the property or services, all Purchases are
Advance, Convenience Check and Balance Transfer. If such a you the first bill on which the error or problem appeared. You can covered regardless of amount or location of purchase.)
telephone fee 's imposed, the resulting Annual Percentage Rate for hone us but doing so will not preserve your rights.
,
State Farm Bank Credit Protection Program
the billing cycle may be greater than any of the Corresponding Annual
a Rates of the Dal Periodic Rates. Fan In your letter, give us the following Your purchase of the State Farm Sank Protection Program n
Percentage N optional. The monthly fee far the Stale Fan Bank Credit Pro[ec[on
1. Your name and Account number. program is based on your total account statement balance each month
Purchases Grace Period 2. The dollar amount of the suspected era. multiplied by the unit cost which is $0.74 per $100. You have the right
There will of be an interest charge on Purchases first posted on this 3 Describe the env and explain, if you ran, why you believe there to cancel the State Farm Bank Credit Protection Program at any time
statement of your account t you pay the entire New Balance by the is an eror. If you need more Information, describe the Item you for any reason by calling or writing State Farm Bank or the program
Payment Due Date shown on the front of this statement' You may are urmstirre about. administrator. State Farm Bank has the right m cancel the State Farm
avoid an. interest charge on Purchases for the billing cycle in which Bank Credit Protection Program If: (1) your account becomes more
they are first posted In your Account if that cycle began with a You do not have o pay any amount In question while we are than 60 days delinquent; m (2) at any time and for any reason by
Previous balance of zero. We may charge Interest on balances from Irwestiga[ing, but you are still obligated ro pay the parts of your bill giving you written notice of cancellation at least 30 days in advance.
the previous billing cede beginning the Ors[ claw of the new billing that are not n question. While we investigate your question, we
suet: The means you will receive a statement the folowing nanth cannot report the amount n question as delinquent or rake any action There are eligibility requirements, conditions, and exclusions that
for interest that accrued tran the closi g dace of the previous billing o collect the amount you question. could prevent you from receiving benefits under the State Farm Bank
cycle until the date of Your payment in -full was posted to your a— nit Credit Protection Program. You many find a complete explanation of
To minimize the amount of this interest pay the entire New Balance If you have authorized us to pay your credit card bill automatically eligibility requirements, conditions, and exclusions in section 3 through
in -full Immediately upon recebt of vour monthly statement Each from your savings or checking account you can stop the payment on 12 of the Stale Farm Bard, Credit Protection Program Terns and
periodic statement must be mailed or delivered o the consumer of any amount you think Is wrong. To stop the payment your letter must Conditions that will be Included with your fulfillment materials.
later than 21 days before the payment due date. There is o grace reath us three business days before the automatic payment is
peiod for Cash Advances and Balance Transfers. scheduled to occur. Or, you may oil us at the telephone number for
Customer Service shown on the front of this statement at least three
When Charges are Added to Your Average Daily Balance
Purchases, Cash Advances and other debits are added to the daily business days before the automatic payment is scheduled to occur.
balance as of the transaction date (n the "Transaction Date" column
on the front of the statement) . At our option, we may waft until the
posting date to add the transaction to the daily balance. The posting
date s the date we actually process the transaction to your account.
1
.................... ............................... ---- - - - - -- - - - - - -- -------- - - - - -- ............
Page 3 of 4
Transactions For: 4707 - 8896 - 5500 -2636
Posting Transaction Reference
Date Date Number Description $ Amount
INTEREST CHARGE- PURCHASES $46.72
TOTAL INTEREST FOR THIS PERIOD $46.72
2012 TOTAL YEAR -TO -DATE
Total Fees Charged in 2012 $35.00
Total Interest Charged in 2012 $46.72
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Balance
Percentage Subject to Interest
Type of Balance Rate Interest Rate Charge
Purchases 9.24% (v) $5,933.71 $46.72
Cash 18.24% (v) $0.00 $0.00
(v) = Variable Rate
Please enter the account number on all checks and correspondence.
News /Important Messages etc...
Your account is delinquent and in collections. Send the full payment due today in the enclosed envelope. If we do not receive the
payment within five days of this statement's closing date, we may contact you for payment arrangements.
r
Account Number: 4707- 8896 - 5500 -26367
ar�re v�aN
New Balance: $6,078.23
Payment Due by 5PM (ET) on: January 23, 2012
Ban
INlU0.�NC� Minimum Payment Due: $247.77
Amount Past Due: $107.06
Amount Enclosed: $
STATE FARM BANK
PO BOX 23025
COLUMBUS GA 31902 -3025
Make Check Payable to: STATE FARM BANK®
CHRISTINE M BASSO Fj Please check box for address or telephone
1022 TEAKWOOD LN ** 0023560 change.
ENOLA PA 17025 -2046 (Complete form on the reverse side).
4707889655002636 000247771 006078237
�c— Detach_ here.. Please make_check payable to STATE FARM BANK and this remittance slip the enclosed envelope _ . _ .. , . _ . .
For 24 Hour Good Neighbor Service, Page 1 of
Lanka Please Call: Statement Period: 11/27/11 - 12/26/11
11Z) 1- 877 -SF4 -VISA (1 -877- 734 -8472) Account Number: 4707 -8896- 5500 -2636
Additional contact Information Payment Due
located on reverse side. by 5PM ET on: January 23, 2012
Summary of Account Activity
Previous Balance: $5,997.49 Total Credit Limit: $0.00
Payments& Credits: $0.00 Available Credit Limit: $0.00
Purchases & Other Charges: $0.00 Cash Advance Limit: $0.00
Cash Advances: $0.00 AvailableCash Advance Limit: $0.00
Fees Charged: $35.00
Interest Charged: $45.74 Closing Date: December26, 2011
New Balance: $6,078.23 Number of Days in Cycle: 30
Payment Information
New Balance: $6,078.23 Minimum Payment Warning: If you make only the minimum
Minimum Payment Due: $247.77 payment each period, you will pay more in interest and it will take
Payment Due by 5PM (ET) on: January 23, 2012 Ion er to payoff your balance. For Exam le:
Late Payment Warning: If we do not receive your minimum payment If you make no You will pay off the And you will end
by the date and time listed above, you may have to pay a late fee up to additional charges balance shown on up paying
$35.00. using this card this statement in an estimated total
and each month about... of...
you pay...
Only the minimum 26 years $10,391
payment
If you would like information about credit counseling services, call 1- 877 - 734 -8472.
State Farm Dollars® Summary
State Farm Dollars Balance 0.00 Lifetime State Farm Dollars Redeemed 105.86
State Farm Dollars Earned This Cycle 0.00
TOTAL STATE FARM DOLLARS REDEEMABLE 0.00
To redeem your State Faml Dollars you must have a minimum of 50 in your Total State Farm Dollars Redeemable balance and your account must be in good standing.
Transactions For: 4707 -8896. 5500.2636
Posting Transaction Reference
Date Date Number Description $ Amount
FEES
12 -23 -11 12 -23 -11 LATE PAYMENT FEE $35.00
TOTAL FEES FOR THIS PERIOD $35.00
INTEREST CHARGED
Please enter change of address or telephone number below:
Address
city State Zip
Home Phone (include area code) Work Phone (include area code)
To Contact Us Regarding Your Account
m ?
By Telephone: Send Inquires to: Mail Payments to: Visit Our Website:
In U.S. 1- 877 - 734 -8472 P.O. Box 87 P.O. Box 23025 www.statefarm.com
Espanol 1- 877 - 734 -8472 Deposit, New York 13754 -0087 Columbus, Ga 31902 -3025
TDD 1- 877 - 593 -3879
Outside U.S. 1- 706 - 644 -0852
Information About Your Account
Here Is How We Calculate Your Interest Charges: Making Payments Disputing Account Information Reported to Credit Bureaus:
Your statement has a "Interest Charges" section. For each type of You must pay all or part of your New Balance at any time. However, We furnish Information about your account to credit bureaus. You have
transaction In the "Interest Charges" section, we okulate an average you must always pay at leas[ the Minimum Payment by the Payment the right o ddispute dispute the accuracy of the information reported by writing
dairy balance and multiply h by the Daly Periodic Rate for that balance must Due Dap Mail your payment, made in US dollars, accompanied by to us at: State Farm Bank, PO Box 94, Deposlt, New York 13754 -0094.
and by the number of days d the billing cycle. Then vre add all these the upper portion of your monthly statement, In the enclosed return
products together and we add any transallo n fee that applies. This envelope or to the payment address State Farm Bank, PO Box 23025, Send All Bankruptcy Notices and Documents 70:
gives us the Interest Charge. Columbus, GA 31902 -3025. Pay by check or money order, and be sure State Farm Bank, PO Box 2327, Bloomington, II 61702 -2327
Hare s How We Determine Each Of Your Average Daily o allow sufFdent time for your payment to reach us by the Payment
Balances: Due Dare. When you provide a check as payment, you authorize us Reporting Loss, Theft or Unauthorized Use of Your Card
calculate an "average dally balance" separately for Purchases to to use information from your check to make a one -time Call us immediately, 24 tours a day, toll -free at 1- 877 -SF4 -VISA
We
We cling electronic fund transfer from your account or process the payment (1-877 -734 -8472) t you suspect the loss, theft or unauthorized use of
(excluding Introductory "awe period Balance Transfers),
Balance Transfers, and any srs)rs), Cash Advances, rate offers (as as a check transaction. When we use Information from your dheck o your Card. You will not be liable for unauthorized use that occurs after
intro
applicable). To get the "average dais balance" of your account for make an electronic fund transfer, the funds may be withdrawn from you notify us at the above toll -tree number or at PO Box 94, Deposit,
each of these types of trasactlons, vre take the beginning balance of your account as soon as the same day we receive your payment and NY 13754 -0094, orally or in writing, of the loss, theft, or possible
your account each day, add any new Purchases (excluding introductory you will not receive your check back from your financlal Institution. If unauthorized use. In any case, your liability will not exceed $50.
period Balance Transfers), Cash Advances, Introductory period Balance you have any questions about ACH, please call 1- 877 - SF4 -VISA
Tral rate afters (as applicable), and subtract any (1-877 - 734 - 8472). All payments (including phone remits, overnight Payments with Special Handling Instructions
nsfers or other special Credits a rate to method type of transaction under the mall, etc) received by us at the payment address by 5:00 P.M. Eastern Any payment instrument you send us for less than the full balance due
Payments and r
Payment allocation
Cr rrrethotl then h type f tr gives us the daily Time, Monday through Friday (our normal business days), will be that Is marked "paid In full" or similar notation, or that you otherwise
balance for each of ithese types of transactions. (Credit balances are credxed to your Account as of that day. All payments (including phone tender in full satisfaction of a disputed amount, mist be sent to State
treated as zero for purposes of calculating the Oatty balances.) Th en, f°nis• overnight mail, etc) received by us at the address Indicated Farm Bank, PO Box 2326, Bloomington, IL 61702 -2326. We reserve all
we add all of the dairy balances for the billing cycle for each of these after 5:00 P.M. Eastern Time or on arty non -bank business day, our rights regarding such Insbvments. For example, if It Is determined
types d transactions and divide the respective total by the number of including bank holidays, will be credited to your account on the there s no valid dispute or t any such Instrument s received at any
days In the billing cycle. This gives us the "average daily balance" for following bank business day. The caching of payments received in other address, we may accept the Instrument and you will still owe
your account for each of thhese types of transactions. The average daily any other manner may be delayed. any remaining balance. Or, we may refire to accept any such
balances Include current transactions for Purchases (including Balance Instrument by returning It ro you, not cashing I% or destroying t. All
balancers) and for Cash Advances, nsacti except that t the Previous Balance State Farm Dollars® other payments should be sent to the payment address shown on the
of your account was zero or a credit balance. Purchases posted to your If eligible, you will automatically elm State Farm Dollar in accordance front of this statement.
account during the billing cycle are not Included in the dally balances with the terns and conditions disclosed In your State Farm Dollars
of Purchases for purposes of calculating the Interest Charge Terms and Conditions brochure on purchases you make with your Service for the Hearing Impaired (TDOITYY)
.
State Farm Bank Visa Caro. Once you earn 50 State Farm Dollars, you For any questions or other communications about your Account, please
If there Is a M next to the Daily Periodic Rate on the front of your on apply your reward Dollars to the State Farm products of your contact our service for the hearing impaired at 1- 877 -593 -3879.
statement, this means that to rate may vary. The variable APR is the choice by accessing your account online at st.tefarm.com or calling
Prime Rate plus your margin as disclosed In your Credit Card 1-877SF4 -VISA (1- 877434 -8472) Special Rule for Credit Card Purchases
Agreement and Disclosure Statement and any arthendment(s) thereto. If you have a problem with the quality of goods or services that you
Billing Rights Summary purchased with a credit card, and you have tried in good faith to
If the "INTEREST CHARGED" on the front of your statements $1.50 correct the problem with the merchant, you may not have to pay the
(o a lesser amount as disclosed In your credit card agreement, as In Case of Errons or Questions About Your Bill remaining amount due on the goods or services. You have this
amended), then the Minimum Interest Charge has been applied to transaction you think your bill 's wrong, or if you need more Information about a protection only when the purchase price was more than $50 and the
amen
your ded), t during the Minimum cycle. transaction on your bill, write us on a separate sheet at State Farm purchase was made in your home state m within 100 miles of your
Bank, PO Box 1420, Deposit, New York 13754-1420 as soon as mailing address. (If we own a operate the merchant, or if we mailed
A transaction fee Interest Charge may be Imposed on each Cash possible. We must hear from you no later than 60 days after we sent you the advertisement for the property a services, all Purchases are
Advance, Convenience Check and Balance Transfer. If such a you the first bill on which the error or problem appeared. You on covered regardless of amount or location of purchase.)
transaction fee is imposed, the resulting Annual Percentage Rate for telephone us, but doing so will not preserve your rights.
the billing cycle may be greater than any of the Corresponding Annual State Farm Bank Credit Protection Program
a Rates of the Da Periodic Rates. In your letter, give us the obw
ling information: Your purchase of the State Farm Bank Credit Protection Program is
Percentage Daffy optional. The monthly fee far the Stale Farts Bank Credit Protection
Purchases Grace Period 1. Your name and Amount number. program is based on your total account statement balance each month
There will not be an Interest charge on Purchases first posted on this 2. The dollar amount of the suspected error. multiplied by the unit cost which is $0.74 per $100. You have the right
statement of your amount if you pay the entire New Balance by the 3. Describe the error and explain, If you on, why you believe there to cancel the State Farm Bank Credit Protection Program at any time
Payment Due Date shown on the front of this statement. You may s er an era. If you need more Information, describe the Item you for any reason by tailing or writing Stale Farm Bonnie or the program
which e unsure about. administrator. r. State Farm has the right o cancel the State Farm
avoid an Interest charge on Purchases for the billing cycle in v
Bank Credit Protection Program if: (1) your amount becomes more
they are Nast posted m your Account if that cycle began with a
previous balance zero. y may unt t ae le balances from You do not have to pay any amount in question while we are than 60 days delinquent; or (2) at arty time and for any reason by
the previous bNlino cede bepi the first day of the ne b'llinio Investigating, but you are still obligated to pay to parts of your bill giving you written notice of cancellation at least 30 days in advance.
cycle This means you NI receive a statement the folio inn month that are not in question. While we investigate your question, we
for Interest that accrued from the doslro tlate of the orevlous bNlinio cannot report the amount In question as delinquent or take any action There are eligibility requirements, conditions, and exclusions that
cycle until the doe of your payment in -full w Credit Protection Program. You many find a complete explanation of
as posted to your account. ro cdlm[ de amount you question. could Prevent you from receiving benefits under the State Farm Bank
To minimize the amount of this 'merest io a the ted to New Balance
in -full immediately anon recelot of vour nonthN statement Each If you have authorized us o pay your credit card bill automaticalry eligibility requirements, conditions, and exclusions in section 3 through
periodic statement must be mailed or delivered to the consumer not f ... your savings or decking account, you can stop the payment on 12 of the State Farm Bank Credit Protection Program Terms and
later than 21 days before the payment due date. Thee Is no grace any amount you think Is wrong. To stop the payment, your letter must Conditions that will be Included with your fulfillment materials.
period fa Cash Advances and Balance Transfers, reach us three business days before the automatic payment 's
scheduled to occur. Or, you may call us at the telephone number for
When Charges are Added to Your Average Daily Balance Customer Service shown on the front of this statement at least three
Purchases, Cash Advances and other debits are added to the daily business days before the automatic payment is scheduled to occur.
balance as of the transaction date (in the "Transaction Date" column
on the front of the statement) . At our option, we may wait until the
posting date to add the transaction o the daily balance. The posting
date is the date we actually process the transaction to your amount.
1
--------- ---------- ------ - - - - -- -- ---------- - - - - -- - - - - - -- -------------------- - ----- ------------------ - -...-
Page 3 of 4
Transactions For: 4707.8896- 5500 -2636
Posting Transaction Reference
Date Date Number Description $ Amount
INTEREST CHARGE - PURCHASES $45.74
TOTAL INTEREST FOR THIS PERIOD $45.74
2011 TOTAL YEAR -TO -DATE
Total Fees Charged in 2011 $235.00
Total Interest Charged in 2011 $601.56
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Balance
Percentage Subject to Interest
Type of Balance Rate Interest Rate Charge
Purchases 9.24% (v) $6,002.15 $45.74
Cash 18.24% (v) $0.00 $0.00
(v) = Variable Rate
Please enter the account number on all checks and correspondence.
News /important Messages etc...
Y0 account is delinquent and in collections. Send the full payment due today in the enclosed envelope. If we do not receive the
payment within five days of this statement's closing date, we may contact you for payment arrangements.
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff F
Jody S Smith
Chief Deputy l:�? c• ,
Richard W Stewart
Solicitor C*FC )F_ $�IrRIF j
State Farm Bank
vs. Case Number
Christine M. Basso 2013-5994
SHERIFF'S RETURN OF SERVICE
10/21/2013 04:51 PM-Deputy Ronald Hoover, 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: Christine M. Basso at 645 Herrin Lane, East Pennsboro Township, Enola, PA 17025.
RONALD HOOVER, DEPUTY
SHERIFF COST: $44.95 SO ANSWERS,
October 22, 2013 RONt ANDERSON, SHERIFF
a
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA.,_.,
STATE FARM BANK No. 13-5994 c. °`" = -
Plaintiff'Petitioner ' '
'�' "5y
rrt 0-1 vs. �'
CHRISTINE M BASSO u'r �' �{C'
Defendant(s)/Respondent(s) 0 -7:-,
"
3 .- ?C ,
PRAECIPE FOR JUDGMENT • , . -
r)
Please enter Judgment in favor of Plaintiff and against Defendant, CHRISTINE M BASSO, for
failure to answer the Complaint.
(X) Amount due $6,389.39
TOTAL $6,389.39, plus costs and statutory interest from the date of Judgment.
(X) I certify that the foregoing assessment of damages is for specified amounts alleged to be
due in the complaint and is calculable as a sum certain from the complaint.
(X) Pursuant to Pa.R.C.P. 237 (Notice of Praecipe for final judgment or decree), I certify that
a copy of this praecipe has been mailed to each other party who has appeared in the action or to
his/her Attorney of Record.
(X) Pursuant to Pa.R.C.P. 237.1, I certify that written notice of the intent ion to file this
praecipe was mailed or delivered to the party against whom judgment is to be entered, and to
his/her Attorney of Record, if any, after the default occurred and at least ten days prior to the date
of the filing of this praecipe and a copy of the notice is attached.
DATE: \∎•Zcj•e)
Amy . Doyle, Esquire
PA Supreme Court ID 87062
Doyle Legal Services, LLC
11 East Market St., Ste 102
York, PA 17401
717-885-0718 / 877-202-9420
717-885-0726 (facsimile)
Counsel for Plaintiff
NOW, • • 3 , 2013, JUDGMEN S E RE' ABOVE.
ii,
Prothonot le @4 "
BY:
Deputytb <O 1
al
ab/P13.6
p4_,a01 8 : ' 4
No tYlotileo
J •
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
STATE FARM BANK No. 13-5994
Plaintiff/Petitioner
vs.
CHRISTINE M BASSO
Defendant(s)/Respondent(s)
AFFIDAVIT OF NON-MILITARY SERVICE
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF YORK
The undersigned counsel, being duly sworn according to law, depose and say that I am the
Attorney for the Plaintiff in the above-captioned matter, and that to the best of my knowledge,
information and belief, Defendant CHRISTINE M BASSO, above-named, is over 21 years of age; is last
known to reside at 645 HERRIN LN, ENOLA PA 17025, County of CUMBERLAND, State of
Pennsylvania; is not in the military service of the United States or its Allies, or otherwise within the
provisions of the Service members Civil Action Relief Act and its Amendments.
Date: 1 ‘.2.9•
Amy . D.yle, Esquire
PA Supreme Court ID 87062
Doyle Legal Services, LLC
11 East Market St., Ste 102
York, PA 17401
717-885-0718 / 877-202-9420
717-885-0726 (facsimile)
Counsel for Plaintiff
On this, theme day of , 2013, before me, the undersigned officer, personally
appeared Amy F. Doyle, known to me to be the person whose name is subscribed to the within
instrument, and acknowledged that she executed the same for the purpose therein contained.
COMMONWEALTH OF PENNSYLVANIA Notary Public
Notarial Seal
Cortney Moreland, Notary Public
City of York,York County
My Commission Expires Nov.23,2017
MEMBER,PENNSYLVANIA ASSOCIATION OF NOTARIES
DLS DOYLE LEGAL SERVICES, LLC
Attorneys in the Practice of Debt Collection
Amy F. Doyle,Esquire(Admitted PA,OH)
11 East Market Street, Suite 102,York,PA 17401
877-202-9420 1 717-885-0718 ! FAX:717-885-0726 I adoyle @doylels.com
November 15, 2013
CHRISTINE M BASSO
645 HERRIN LN
ENOLA PA 17025
RE: STATE FARM BANK vs. CHRISTINE M BASSO
Docket No. 13-5994
Dear Christine M Basso:
Enclosed herein please find a 10-Day Notice pursuant to Rule 237.1 of the Pennsylvania Rules of Civil
Procedure.
Sincerely
Amy F. Doyle #87062
Doyle Legal Services, LLC
11 East Market St., Ste 102
York, PA 17401
adoyle @doylels.com
(717) 885-0718
(877)202-9420
(717) 885-0726 (facsimile)
Enclosure
This is an attempt by a debt collector to collect a debt and any information obtained will be used for that purpose.
• IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
STATE FARM BANK No. 13-5994
Plaintiff/Petitioner
vs.
CHRISTINE M BASSO
Defendant(s)/Respondent(s)
TO: CHRISTINE M BASSO
645 HERRIN LN
ENOLA PA 17025
Date of Notice: November 15, 2013
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU FAILED TO TAKE THE ACTION REQUIRED OF YOU
IN THIS CASE. 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 ER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND
OUT WHERE YOU CAN GET LEGAL HELP.
Lawyer Referral Service & Cumberland Co. Bar Association
32 South Bedford Street
Carlisle, PA 17013
800/990-9108
By /
Aniy. oyle#87062
Doyle Legal Services, LLC
11 East Market St., Ste 102
York, PA 17401
adoyle @doylels.com
(717) 885-0718
(87 7) 202-9420
(717) 885-0726 (facsimile)
File: 1 0007878
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
STATE FARM BANK No. 13-5994
Plaintiff/Petitioner
vs.
CHRISTINE M BASSO
Defendant(s)/Respondent(s)
CERTIFICATE OF RESIDENCE
PA. R.C.P. 236
I hereby certify that the precise residence of Plaintiff is:
STATE FARM BANK
ONE STATE FARM PLAZA
BLOOMINGTON, IL 61710
and certify that the last known address of the within Defendant is:
CHRISTINE M BASSO
645 HERRIN LN
ENOLA PA 17025
Amy F. Doyle, Esquire
PA Supreme Court ID 87062
Doyle Legal Services, LLC
11 East Market St., Ste 102
York, PA 17401
717-885-0718 / 877-202-9420
717-885-0726 (facsimile)
Counsel for Plaintiff
1
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
STATE FARM BANK No. 13-5994
Plaintiff'Petitioner
vs.
CHRISTINE M BASSO
Defendant(s)/Respondent(s)
NOTICE OF JUDGMENT
(X) Notice is hereby given that a Judgment in the above-captioned matter has been entered
against you in the amount of$6,389.39 on -Dee . ?j , 2013,.plus
costs and statutory interest from the date of Judgment.
(X) A copy of all documents filed with the Prothonot 'n supp o within jud :nt
is/are attached. , +
If you have any questions regarding this Notice,please contact the filing party.
C
Amy F. Doyle, Esquire
PA Supreme Court ID 87062
Doyle Legal Services, LLC
11 East Market St., Ste 102
York, PA 17401
717-885-0718 / 877-202-9420
717-885-0726 (facsimile)
Counsel for Plaintiff
(This Notice is given in accordance with Pa.R.C.P. 236.)
NOTICE SENT TO:
CHRISTINE M BASSO
645 HERRIN LN
ENOLA PA 17025
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
STATE FARM BANK No. 13-5994
Plaintiff/Petitioner
vs. - -
CHRISTINE M BASSO x
Defendant(s)/Respondent(s) N
-< �- +-D
<
)> =c CD-
''
PRAECIPE FOR ENTRY OF APPEARANCE nCD .�
TO THE PROTHONOTARY: -
Kindly enter my appearance on behalf of Plaintiff, with regard to the above
matter.
Respectfully submitted,
Amy F. Doyle, Esquire
PA Supreme Court ID 87062
JAFFE & ASHER, LLP
11 East Market St., Ste 102
York, PA 17401
717-885-0718
877-202-9420
717-885-0726 (facsimile)
Counsel for Plaintiff