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14-1775
� t Supreme Cow: of, Pennsylvania Cour f tom n Pleas P f� .S. ` I For Prothonotary Use Only: Tl3E STc \f�9P Ci; �COVeIr 1£t Docket No: CLIM ounty The information collected on this form is used solely for court administration purposes. This form does not supplement or re lace the fi ling and service ofpleadings or other a ers as required by law or rules of court. i Commencement of Action: S i ® Complaint ❑ Writ of Summons ❑ Petition Et ❑ Transfer from Another Jurisdiction ❑ Declaration of Taking C Lead Plaintiffs Name: Lead Defendant's Name: T PORTFOLIO RECOVERY ASSOCIATES, LLC TRAVIS SMITH 0 � Are money damages requested. ®Yes ❑ No Dollar Amount Requested: X within arbitration limits N (Check one) outside arbitration limits A Is this a Class Action Suit? ❑ Yes ®No Is this an MDJAppeal? ❑ Yes ®No Name of Plaintiff /Appellant's Attorney: Robert N. Polas, Jr./ Carrie Brown/ Mark R. Garvey ❑ Check here if you have no attorney (are a Self- Represented [Pro Sel Litigant) Nature of the Case Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection: Credit Card ❑ Board of Elections ❑ Nuisance ® Debt Collection: Other ❑ Dept. of Transportation ❑ Premises Liability ❑ Statutory Appeal: Other ❑ Product Liability (does not include S mass tort) ❑ Employment Dispute: C] Slander/Libel /Defamation Discrimination E C] Other: ❑Zoning Board C ❑ Employment Dispute: Other ❑ Other: T T C] Other: MASS TORT 0 ❑ Asbestos N ❑ Tobacco ❑ Toxic Tort - DES REAL PROPERTY MISCELLANEOUS ❑ Toxic Tort - Implant ❑ Ejectment ❑ Common Law /Statutory Arbitration B ❑ Toxic Waste ❑ Eminent Domain /Condemnation ❑ Declaratory Judgment ❑ Other: ❑ Ground Rent ❑ Mandamus ❑ Landlord /Tenant Dispute ❑ Non - Domestic Relations ❑ Mortgage Foreclosure: Residential Restraining Order ❑ Mortgage Foreclosure: Commercial ❑ Quo Warranto ❑ Partition ❑ Replevin PROFESSIONAL LIABILITY ❑ Quiet Title ❑ Other: ❑ Dental ❑ Other: ❑ Legal ❑ Medical ❑ Other Professional: 15 -28599 Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 , •- . Mark R. Garvey, Esquire PA Bar # 312686 ! lit Portfolio Recovery Associates, LLC Tin, � 120 Corporate Blvd i` ��r� Norfolk, VA 23502 r TELE: 1- 866 - 428 -8102 (;����� -�,, '`L Vii`; "'r J ��� y/ j� . I A FAX: (757) 518 -0860 i �� Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD NORFOLK, VA 23502 No. Plaintiff, V. TRAVIS SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241 Defendant. NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action withing twenty (20) days after this Complaint and Notice are served, by entering a written appearance, personally or by an attorney, and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice of any money claimed or any other claim or relief requested by the Plaintiff. You may lose money or property rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Lawyer Referral Service - CUMBERLAND County Bar Association Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717) 249 -3166 15 -28599 .� 75 pd P , v ���, � 3Q��ss This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 Mark R. Garvey, Esquire PA Bar # 312686 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 TELE: 1- 866 - 428 -8102 FAX: (757) 518 -0860 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD NORFOLK, VA 23502 Demandante, No. V. TRAVIS SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241 Demandado. NOTICIA USTED HA SIDO DEMANDADO/ A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes paginas, usted tienen que tomar action dentro veinte (20) dias despues que esta Demanda y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defensas o obejciones a las demandas puestas en esta contra usted. Usted es advertido que si falla de hacerlo el caso puede proceder sin usted y un juzgamiento puede ser entrado conta usted por la Corte sin mas aviso por cualquier dinero reclamdo en la Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. Usted puede perder dinero o propiedad o otros derechos importante para usted. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSGUIDA. SI USTED NO TIENE UN ABOGADO, VAYA O LAMME POR TELEFONO LA OFICINA FIJADA AQUTABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN ABOGADO. SI USED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS. QUE PEUDAN OFRECER SERVICIOS LEGAL A PERSONAS ELGIBLE UN HONORARIO REDUCIDO O GRATIS. Lawyer Referral Service - CUMBERLAND County Bar Association Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717) 249 -3166 15 -28599 Esta coniunicacion es de un cobrador de deudas y es un intent do cobrar una deuda. Cu.alquier infronlacion sera utilizada para ese proposito. Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 Mark R. Garvey, Esquire PA Bar # 312686 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 TELE: 1- 866 - 428 -8102 FAX: (757) 518 -0860 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD NORFOLK, VA 23502 Plaintiff, No. V. TRAVIS SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241 Defendant. COMPLAINT 1. Plaintiff, Portfolio Recovery Associates, LLC is a Delaware Limited Liability Company with offices located at 120 Corporate Blvd, Norfolk, VA 23502. 2. Defendant, TRAVIS SMITH, is an adult individual with last known address of 175 WHISKEY RUN RD, NEWVILLE PA 17241. 3. It is averred that Defendant was indebted to GE CAPITAL RETAIL BANK / LOWE'S on December 11, 1999 with account number * * * * * * * * * ** *0089 (hereafter referred to as "Account "). 4. By using the Account, Defendant agreed to repay any incurred balances and /or charges made to the Account pursuant to the terms and conditions governing said Account. Failure to pay Defendant's incurred charges on the Account is considered a default. 5. At all relevant times material hereto, Defendant has used said Account for the purchase of products, goods and /or for obtaining services. This communication is from a debt collector and is an. attempt to collect a debt. Any information obtained will. be used. for that purpose. 6. Defendant was provided with copies of the Statements of Account showing all debits and credits for transactions on the aforementioned Account to which there was no bonafide objection by Defendant. 7. Defendant was in default with respect to that debt for failure to make the required payments on the Account. The last payment made on this Account was on June 5, 2012. 8. Plaintiff is the purchaser, assignee and /or successor in interest GE CAPITAL RETAIL BANK / LOWE'S and Plaintiff is now the holder of the Account. A true and correct copy of the Plaintiffs Bill of Sale is attached hereto and collectively marked as Exhibit "A." 9. As of the date within Complaint, the remaining balance due, owing and unpaid on Defendant's Account, as a result of Defendant and /or any authorized user's use of said Account is in the sum of $5,232.28. 10.Despite reasonable and repeated demands for payment. Defendant has refused and continues to refuse to pay all sums due and owing on the aforementioned Account, all to the damage and detriment of the Plaintiff. I I. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. WHEREFORE, Plaintiff respectfully requests this Honorable court enter Judgment in favor of Plaintiff and against Defendant, TRAVIS SMITH , in the amount 5,232.28, plus cos this action and any other relief as the Court deems just and reasonable C e A. Brown, Esquire, # 94055 Robert N. Polas, Jr., Esquire, # 201259 Mark R. Garvey, Esquire, # 312686 Attorneys for Plaintiff 15 -28599 This communication is from a debt collector and is an attempt to collect a. debt. Any information. obtained will. be used for that purpose. VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, Itim Spellm hereby states that he /she is authorized to take this verification on behalf of said Plaintiff in the within action and verifies that the statements made in the foregoing Complaint are true and correct to the best of his /her knowledge, information, and belief, based upon information provided by the Plaintiff. The undersigned understands that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904, relating to unsworn falsification to authorities. Date: MA 0�04 By: Itina Spellman Custodian of Records 15 -28599 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. k . . .. r• '.- S; 3 "a ' T x Mtn' I.A' t � a This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. GECQ44 GE Capital BILL of SALE PRA PLCC Fresh — October 2012 For value received and in further consideration of the mutual covenants and conditions set forth in the Forward Flow Receivables Purchase Agreement (the "Agreement'), dated as of the 25 day of June, 2012 by and between General Electric Capital Corporation, GE Money Bank, GEMB Lending, Inc., Monogram Credit Services, L.L.C., RFS Holding, L.L.C., and GEM Holding, L.L.C. (collectively "Seller ") and Portfolio Recovery Associates, LLC ( "Buyer "), Seller hereby transfers, sells, conveys, grants, and delivers to Buyer, its successors and assigns, without recourse except as set forth in the Agreement, to the extent of its ownership, the Receivables as set forth in the Notification Files (as defined in the Agreement), delivered by Seller to Buyer on October 22, 2012, and as further described in the Agreement. GE Capital Retail Bank Monogram Credit Services, L.L.C. Glean Marino Glenn Marino Title: _EVP Title: _President Date: Date: General Electric Capital Corporation RFS Holding, L.L.0 B .e/� f B Glenn Marino Joseph Ressa Title_ Vice President Title: CFO Date: Date: GEMB Lending, Inc. GEM Holding, L.L.0 By: By: Stephen Motta Joseph Ressa Title: Director Title: CFO Date: Date: GECQ44 � t GE Capita! BILL of SALE PRA PLCC Fresh — October 2012 For value received and in further consideration of the mutual covenants and conditions set forth in the Forward Flow Receivables Purchase Agreement (the "Agreement "), dated as of the 25` day of June, 2012 by and between General Electric Capital Corporation, GE Money Bank., GEMB Lending, Inc., Monogram Credit Services, L.L.C., RFS Holding, L.L.C., and GEM Holding, L.L.C. (collectively "Seller ") and Portfolio Recovery Associates, LLC (`Buyer "), Seller hereby transfers, sells, conveys, grants, and delivers to Buyer, its successors and assigns, without recourse except as set forth in the Agreement, to the extent of its ownership, the Receivables as set forth in the Notification Files (as defined in the Agreement), delivered by Seller to Buyer on October 22, 2012, and as further described in the Agreement. GE Capital Retail Bank Monogram. Credit Services, L.L.C. By: By: Glenn Marino Glenn Marino Title: EVP Title: President Date: Date: General Electric Capital Corporation RFS Holding, L.L.0 By: By: Glenn Marino Joseph Ressa Title: Vice President Title: CFO Date: Date: GEMB Lending, Inc. GEM Holding, L.L.0 By: By: Stephen Motta Joseph Ressa Title: Director Title: CFO Date: Date: G ECQ44 P � GE Capita! BILL of SALE PRA PLCC Fresh — October 2012 .For value received and in further consideration of the mutual covenants and conditions set forth in the Forward Flow Receivables Purchase Agreement (the "Agreement "), dated as of the 25 day of June, 2012 by and between General Electric Capital Corporation, GE Money Bank, GEMB Lending, hic., Monogram Credit Services, L.L.C., RFS Holding, L.L.C., and GEM Holding, L.L.C. (collectively "Seller ") and Portfolio Recovery Associates, LLC ( "Buyer "), Seller hereby transfers, sells, conveys, grants, and delivers to Buyer, its successors and, assigns, without recourse except as set forth in the Agreement, to the extent of its ownership, the Receivables as set forth in the Notification Files (as defined in the Agreement), delivered by Seller to Buyer on October 22, 2012, and as further described in the Agreement. GE Capital Retail Bank Monogram Credit Services, L.L.C. By: By: Glenn Marino Glenn Marino Title: EVP Title: President Date: Date: General Electric Capital Corporation RFS Holding, L.L.C. Glenn Marino JosephiR sa ' 4� Title: Vice President Title: CFO Date: Date: GEMB Lending, Inc. GEM Holding, L.L.0 By: By: Stephen Motta Joseph es a Title: Director Title: CFO Date: L- Date: Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY EL)--CJFHLE T E P T FICU1[:.; 20111 APR -2 PM to k CUMBERLAND COUNTY PENRSYLVA N IA Portfolio Recorvery Associates, LLC vs. Travis Smith Case Number 2014-1775 SHERIFF'S RETURN OF SERVICE 03/27/2014 08:26 PM - Deputy Dawn Kell, 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: Travis Smith at 175 Whiskey Run Road, Upper Mifflin Township, Newville, PA 17241. 4k.Q. DAWN KELL, DEPUTY SHERIFF COST: $41.56 SO ANSWERS, March 28, 2014 RONNY R ANDERSON, SHERIFF (r.) CountySuite Sheriff, Tee-oho-rt. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PORTFOLIO RECOVERY ASSOCIATES, : LLC Plaintiff v. TRAVIS SMITH Defendant CIVIL ACTION -LAW NO: 14 -1775 -CIVIL PRAECIPE TO ENTER APPEARANCE Filed on Behalf of Defendant: TRAVIS SMITH Counsel of Record: Robert D. Klingensmith, Esquire PA I.D. # 313960 HAROLD SHEPLEY & ASSOCIATES, LLC 209 West Patriot Street Somerset, PA 15501 (814) 444 -0500 (814) 444 -0600 (fax) rklingensmith@shepleylaw.com -r_ • IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PORTFOLIO RECOVERY ASSOCIATES, : LLC Plaintiff v. TRAVIS SMITH Defendant CIVIL ACTION -LAW NO: 14- 1775 -CIVIL PRAECIPE TO ENTER APPEARANCE TO THE PROTHONOTARY: Kindly enter the appearance of ROBERT D. KLINGENSMITH, ESQUIRE and the law firm of HAROLD SHEPLEY & ASSOCIATES, LLC, on behalf of the Defendant, TRAVIS SMITH, in the above captioned matter. Date J Robert D. Klingensmith, Esquire Attorney for the Defendant Harold Shepley and Associates, LLC 209 West Patriot Street Somerset, PA 15501 (814) 444-0500 (814) 444 -0600 (fax) rklingensmith@shepleylaw.com IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PORTFOLIO RECOVERY ASSOCIATES, : LLC Plaintiff v. TRAVIS SMITH Defendant CIVIL ACTION-LAW NO: 14-1775-CIVIL PRELIMINARY OBJECTIONS Filed on Behalf of Defendant: TRAVIS SMITH Counsel of Record: Robert D. Klingensmith, Esquire PA I.D. # 313960 HAROLD SHEPLEY & ASSOCIATES, LLC 209 West Patriot Street Somerset, PA 15501 (814) 444-0500 (814) 444-0600 (fax) rklingensmith@shepleylaw.com IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PORTFOLIO RECOVERY ASSOCIATES, : LLC Plaintiff • • • CIVIL ACTION -LAW v. NO: 14- 1775 -CIVIL TRAVIS SMITH Defendant • DEFENDANT'S PRELIMINARY OBJECTIONS PURSUANT TO PA.R.C.P. 1028 AND NOW, comes the Defendant, TRAVIS SMITH, by and through his attorney, Robert D. Klingensmith, Esquire of Harold Shepley & Associates, LLC, and files the following Preliminary Objections to Plaintiff's Complaint: 1. Plaintiff filed a Complaint in Civil Action against Defendant demanding damages in the amount of $5,232.28. 2. Plaintiff's Complaint fails to conform to law or rule of court under Pa. R.C.P. 1028(a)(2) 3. Plaintiff's Complaint contains insufficient specificity in its pleading under Pa.R.C.P. 1028(a)(3). Count I Pa.R.C.P. 1028(a)(2) 4. Plaintiff is not the original creditor on the alleged account. 5. When the Plaintiff is not the original creditor on the account, they must trace the account from its assignors. One way of proving this unbroken chain of title is through a bill of sale or purchase agreement. Self- printed screen print -offs are not appropriate. 6. Plaintiff in this matter has attached a bill of sale to its Complaint. However, that bill of sale in no way connects the account from the original creditor to the Plaintiff. The bill of sale simply provides that a pool of charged off accounts was sold to the Plaintiff. Defendant has no idea if his alleged account was in fact sold or not. Without such proof, Plaintiff cannot proceed in this matter. WHEREFORE, Defendant respectfully requests that the Court order Plaintiff to file an Amended Complaint or dismiss this action with prejudice. Count II Pa.R.C.P. 1028(a)(3) 7. Pa.R.C.P. 1019 (a) requires that the material facts on which a cause of action or defense is based shall be stated in a concise and summary form. 8. Pa. R.C.P. 1019(0 requires that averments of time, place and items of special damages shall be specifically stated. 9. Plaintiff in this matter claims that the Defendant opened and used a credit account issued by Plaintiff. 10. There are no statements attached to the Complaint. 11. The Complaint has failed to plead the various transactions and purchases which resulted in the alleged debt due. 12. Pursuant to Pa.R.C.P. 1019(0 Plaintiff has failed to provide information of the time and places any items were allegedly bought on the credit card. 13. By failing to include documentation of what items were purchased, when those items were bought and the amount of each purchase, Defendant is unable to ascertain the validity of the amount owed on the account. 14. Plaintiff has also failed to provide documentation of any cash advances made by Plaintiff. 15. Plaintiff has failed to provide a concise summary of the payments made by the Defendant on the alleged account as well as the date of last payment. 16. Furthermore, Plaintiff basis its claim on an alleged agreement. 17. Plaintiff has failed to specify whether the agreement is oral or written as required under Pa.R.C.P 1019(h) 18. Furthermore, if the contents of the pleading are based on a writing, which it appears Plaintiff is alleging that it does, then Plaintiff has failed to attach a copy of the original account agreement and all amendments to any such agreement, or provide a reason why the original agreement is and all amendments to said agreement are not accessible and set forth the substances of the writings (Pa.R.C.P. 1019(i). 19. This lack of a writing is not sufficient under Pa.R.C.P. 1019(i). 20. As a result, Plaintiff's Complaint contains insufficient specificity as required under Pa. R.C.P 1028(3). WHEREFORE, Defendant respectfully requests that the Court order Plaintiff to file an Amended Complaint or dismiss this action with prejudice. Respectfully submitted, Robert D. Klingensmith, Esquire PA I.D.# 313960 Harold Shepley & Associates, LLC 209 West Patriot Street Somerset, PA 15501 Attorney for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PORTFOLIO RECOVERY ASSOCIATES, : LLC Plaintiff • • • CIVIL ACTION -LAW v. NO: 14 -1775 -CIVIL TRAVIS SMITH Defendant CERTIFICATE OF SERVICE I served this Petition to Enter Appearance, Preliminary Objections and Brief in Support of Preliminary Objections by U.S. Mail, postage prepaid, at 120 Corporate Blvd, Norfolk, VA 23502 on Robert Polas, Esquire, the attorney for the Plaintiff, Portfolio Recovery Associates, LLC on April 14, 2014. I declare under penalty of perjury that this information is true. Date: April 14, 2014 Server's Signature Gretchen Giles — Legal Assistant Printed Name and Title Harold Shepley & Associates, LLC 209 West Patriot St. Somerset, PA 15501 Server's Address IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PORTFOLIO RECOVERY ASSOCIATES, : LLC Plaintiff v. TRAVIS SMITH Defendant • • • • • • • • • • CIVIL ACTION -LAW NO: 14- 1775 -CIVIL Order of Court On this day of , 2014, upon consideration of defendant(s)' preliminary objections, it is hereby ORDERED that plaintiff(s)' complaint is stricken. Plaintiff(s) is (are) granted days leave to file an amended complaint. If the plaintiff(s) fail(s) to file an amended complaint within days of the date of this order, upon praecipe of defendant(s), the Prothonotary, shall dismiss the case with prejudice. BY THE COURT J. Carrie A. Brown, Esquire PA Bar #:94055 Robert N. Polas, Jr, Esquire PA Bar #: 201259 Mark R. Garvey, Esquire PA Bar #: 312686 Portfolio Recovery Associates, LLC 120 Corporate Blvd. Norfolk, VA 23502 TELE: 1-866-428-4102 FAX: 757-518-0860 Attorneys for Plaintiff THE ( `'°r r4 f' © r i Gti. M NO t'f � R ., 2014 AUG 29 Ail 10: 3 CUMBERLAND COUNT PENNSYLVANIA LVgNIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION — LAW PORTFOLIO RECOVERY ASSOCIATES, LLC . 120 CORPORATE BLVD NORFOLK, VA 23502 v. TRAVIS SMITH, Plaintiff Defendant No. 14-1775 PLAINTIFF'S FIRST REQUEST FOR ADMISSIONS INTERROGATORIES AND REQUEST FOR PRODUCTION OF DOCUMENTS Plaintiff demands that Defendant answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days from the date of service hereof. Plaintiff also demands that Defendant answer and respond to the following Request for Admissions pursuant to Pa. Rule of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: 1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made. 2. If you do not admit each of such statements, you must specifically deny each one not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for the Plaintiff within thirty (30) days after delivery hereof. 4. If you fail or refuse to admit the truth of any such statement of fact and the Plaintiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses incurred in making such proof, including attorneys' fees, witness expenses, etc. 5. If, in response to any of the following statements of fact, it is your position that the statement is true in part or as to some items, but not true in full or as to all items, then answer separately as to each part or item. 6. If you have been sued in more than one capacity or if your answers would be different if answered in any different capacity, such as partner, agent, corporate officer or director or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. 7. In these Requests for Admissions: A. The word "person(s)" means all entities, and, without limiting the generality of the foregoing, includes natural persons, joint owners, associations, companies, partnerships, joint ventures, trusts, and estates; B. The word "documents(s)" means all written, printed, recorded, graphic, or photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any manner to the subject matter indicated; C. The words "identity", "identify", "identification", when used with respect to a person(s) means to state the full name and present or last known address and business address of such person(s) and, if an actual person, his present or last known job title, and the name and address of his present or last known employers; D. The words "identity", "identify", "identification", when used with respect to a dated, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the name(s) of the addressee or addressees if any and the name(s) and address(es) of each person who have possession, custody, and control of said document(s). If any such document was, but is no longer in possession, custody, or control, or in existence, state the date and manner of its disposition; and E. The word "identify", when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means to (1) described the substance of the event or events constituting such an act, and to state the date when such an act occurred; (2) identify each and every person(s) participating in such an act; (3) identify all other person(s) (if any) present when such an act occurred; (4) state whether any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identify the person(s) presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. 9. These requests are of a continuous nature. These Requests for Production of Documents shall be deemed continuing so as to require supplemental answers and documents if any information of documents are acquired subsequent to the filing of responses hereto, which information or documents would have been included in the answers and documents produced had it been known or available at the time the answers and the documents provided pursuant hereto produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such information becomes known or available and in all events, prior to trial of this action. If objection is made to any requests for production of documents, it is demanded that the requests for which there is no objection be answered and furnished within the aforesaid period. All documents identified in response hereto shall be organized and labeled to correspond with the request to which it pertains. For all documents produced, list the individual and his or her job title and department from whose file it was produced and all current custodian of said document. If a document called for it is believed to exist or is known to exist, but is in the possession, custody or control of another person or party, the existence of the document, the identity of the possessor, custodian and one in control of such documents shall be provided along with any applicable common description or citation utilized by the publisher, possessor, custodian, or disseminator of such document. If any document called for by this request is withheld on the basis of any claims of privilege or any similar claim, identify that document as follows: author, addressee; indicated or blind copies, dated, subject matter; number of pages; attachments or appendices; all persons to whom distributed, shown or explained; present custodian; and nature of the privilege or similar claim asserted. REQUEST FOR PRODUCTION OF DOCUMENTS 1: Produce any and all documents evidencing proof of all payments on the subject credit card referenced in the Complaint, including, but not limited to, cancelled checks, receipts, coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries, diaries, charts, lists, phone records, data compilations etc. REQUEST FOR PRODUCTION OF DOCUMENTS 2: Produce any and all documents you intend and/or provide testimony on as evidence at the time of the trial. REQUEST FOR ADMISSION NO. 1: Defendant applied for the Credit Card referenced in the Complaint. Admitted Denied If the answer to Request for Admissions No. 1 is "denied", then supply specific written documentation supporting the denial. REQUEST FOR ADMISSION NO. 2: Defendant has failed to make all required payments on the credit card. Admitted Denied If the answer to Request for Admissions No. 2 is "denied", then supply specific written documentation supporting the denial. REQUEST FOR ADMISSION NO. 3: The attached monthly statement correctly identifies the payments, charges, and balance on the account. Admitted Denied If the answer to Request for Admissions No. 3 is "denied", then supply copies of canceled checks, both front and back, and/or if not available, specific written documentation supporting the denial.. REQUEST FOR ADMISSION NO.4: Defendant has not submitted any written dispute as to the billing inaccuracy concerning the credit card in question during the time the account was opened on December 11, 1999 until the last payment date of June 5, 2012. Admitted Denied If the answer to the Request for Admissions No. 4 is "denied", then supply copies of specific written disputes as to any billing inaccuracies REQUEST FOR ADMISSION NO. 5: $5,232.28 is the correct and accurate balance of the credit card account in question at the time the account was charged off. Admitted Denied If the answer to Request for Admissions No. 5 is "denied", then supply specific written documentation supporting the denial and indicate with full explanation what you believe to be the correct balance on the account. REQUEST FOR ADMISSION NO. 6: 6. Please admit that you agreed to pay Plaintiff's predecessor all amounts due resulting from the use of your credit card account, including any finance charges and other charges due under the terms of the agreement. Admitted Denied If the answer to Request for Admissions No. 6 is "denied", then supply specific written documentation supporting the denial and indicate with full explanation what you believe to be the correct balance on the account. REQUEST FOR ADMISSION NO. 7: 7. Please admit that for each month you had a balance on your credit card account, you were sent, by mail or otherwise, a bill, statement of account, invoice or other request for payment showing all transactions billed to your account during the billing period. Admitted Denied If the answer to Request for Admissions No. 7 is "denied", then supply specific written documentation supporting the denial and indicate with full explanation what you believe to be the correct balance on the account. INTERROGATORIES 1. Please identify the person(s) answering these Interrogatories. ANSWER: 2. Please identify each and every person that has assisted you in responding to these Interrogatories. ANSWER: 3. Separately, for each of your answers to Requests for Admissions 1 through 9 above where your answer is anything other than an unqualified admit, please: a. State each fact known to you upon which you rely to support your denial or qualified answer; b. If your response is that you do not have sufficient information or knowledge to admit or deny, then describe each effort you have made to acquire the information you feel would be necessary to admit or deny the request; c. Identify each document known to you which you believe contains information relevant to your answer; and d. Identify each witness known to you who may have knowledge with respect to the information upon which you rely for your denial or qualified answer and as to each witness, state the information you believe is known to them with respect to your answer. ANSWER: 4. If you filed affirmative defenses to Plaintiff's Complaint, separately for each defense, please: a. State the factual basis that supports your defense; b. Identify each document known to you which you believe contains information relevant to your defense; and c. Identify each witness known to you who may have knowledge with respect to the information upon which you rely for your defense and as to each witness, please state the information you believe is known to them with respect to your defense. ANSWER: 5. Have you ever requested Plaintiff's predecessor to open a credit card account in your name? If so, please state the credit card account number(s). ANSWER: 6. Are you aware of any credit card accounts with Plaintiff's predecessor opened in your name? If so, please state the credit card account number(s). ANSWER: 7. Have you ever made a purchase or obtained a cash advance by using a card, account number and/or account access check issued by Plaintiff's predecessor? If so, please state the credit card account number(s) and the date(s) of the purchase or cash advance. ANSWER: 8. Has Plaintiff's predecessor ever sent to you, by mail or otherwise, any bills, statements of account, invoices or other requests for payment? If so, identify each document and state whether you objected to it. If you have objected, identify each objection, including whether it was written or oral. ANSWER: 9. Have you ever objected, in writing or otherwise, to any bills, statements of accounts or invoices you were sent? ANSWER: 10. If you keep records of purchases or payments with respect to your credit card account with Plaintiff's predecessor, do these records show a balance owing on the account? If so, what is that balance? ANSWER: 11. Is there any portion of Plaintiff's claim that you admit you owe? If so, state the amount that you admit you owe to Plaintiff and any facts that support your claim that you do not owe the rest of Plaintiff's claim. ANSWER: 12. If you claim that the account on which Plaintiff is suing is inaccurate, specify each inaccuracy and any facts that support your conclusion that the account is inaccurate. ANSWER: Res y Submitted, arrie A. Brown, Esquire #94055 Robert N. Polas Jr., Esquire #201259 Mark R. Garvey, Esquire #312686 Carrie A. Brown, Esquire PA Bar #:94055 Robert N. Polas, Jr, Esquire PA Bar #: 201259 Mark R. Garvey, Esquire PA Bar #: 312686 Portfolio Recovery Associates, LLC 120 Corporate Blvd. Norfolk, VA 23502 TELE: 1-866-428-4102 FAX: 757-518-0860 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC : 120 CORPORATE BLVD NORFOLK, VA 23502 v. TRAVIS SMITH, Plaintiff No. 14-1775 Defendant CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Request for Admissions upon Defendant, by First, lass Mail, Postage Pre -Paid, a copy thereof on Air thi�a`y of %LI , 2014, to: Travis. Smith 175 Whiskey Run Rd Newville, PA 17241 e A. Brown, Esquire #94055 Robert N. Polas Jr., Esquire #201259 Mark R. Garvey, Esquire #312686 BILL of SALE PRA PLCC Fresh — October 2012 GECQ44 GE Capital For value received and in further consideration of the mutual covenants and conditions set forth in the Forward Flow Receivables Purchase Agreement (the "Agreement"), dated as of the 25th day of June, 2012 by and between General Electric Capital Corporation, GE Money Bank, GEMB Lending, Inc., Monogram Credit Services, L.L.C., RFS Holding, L.L.C., and GEM Holding, L.L.C. (collectively "Seller") and Portfolio Recovery Associates, LLC ("Buyer"), Seller hereby transfers, sells, conveys, grants, and delivers to Buyer, its successors and assigns, without recourse except as set forth in the Agreement, to the extent of its ownership, the Receivables as set forth in the Notification Files (as defined in the Agreement), delivered by Seller to Buyer on October 22, 2012, and as further described in the Agreement. GE Capital Retail Bank By: Glenn Marino Title: _EVP Date: General Electric Capital Corporation By: -.,- Glenn Marino Title: _Vice President Date: GEMB Lending, Inc. By: _ Stephen Motta Title: _Director Date: Monogram Credit Services, L.L.C. By: Glenn Marino Title: President Date: RFS Holding, L.L.0 By: Joseph Ressa Title: CFO Date: GEM Holding, L.L.0 By: Joseph Ressa Title: CFO Date: BILL of SALE PRA PLCC Fresh — October 2012 GECQ44 GE Capital For value received and in further consideration of the mutual covenants and conditions set forth in the Forward Flow Receivables Purchase Agreement (the "Agreement"), dated as of the 25th day of June, 2012 by and between General Electric Capital Corporation, GE Money Bank, GEMB Lending, Inc., Monogram. Credit Services, L.L.C., RFS Holding, L.L.C., and GEM Holding, L.L.C. (collectively "Seller") and Portfolio Recovery Associates, LLC ("Buyer"), Seller hereby transfers, sells, conveys, grants, and delivers to Buyer, its successors and assigns, without recourse except as set forth in the Agreement, to the extent of its ownership, the Receivables as set forth in the Notification Files (as defined in the Agreement), delivered by Seller to Buyer on October 22, 2012, and as further described in the Agreement. GE Capital Retail Bank Monogram. Credit Services, L.L.C. By: By: Glenn Marino Glenn Marino Title: _EVP Title: President Date: Date: General Electric Capital Corporation RFS Holding, L.L.0 By: By: Glenn Marino Joseph Ressa Title: _Vice President Title: CFO Date: Date: GEMB Lending, Inc. GEM Holding, L.L.0 By: `>� By: Stephen Motta Joseph Ressa Title: _Director Title: CFO Date: (,\-q i z.. Date: BILL of SALE PRA PLCC Fresh — October 2012 GECQ44 GE Capital For value received and in further consideration of the mutual covenants and conditions set forth in the Forward Flow Receivables Purchase Agreement (the "Agreement"), dated as of the 25th day of June, 2012 by and between General Electric Capital Corporation, GE Money Bank, GEMB Lending, Inc., Monogram Credit Services, L.L.C., RFS Holding, L.L.C., and GEM Holding, L.L.C. (collectively "Seller") and Portfolio Recovery Associates, LLC ("Buyer"), Seller hereby transfers, sells, conveys, grants, and delivers to Buyer, its successors and: assigns, without recourse except as set forth in the Agreement, to the extent of its ownership, the Receivables as set forth in the Notification Files (as defined in the Agreement), delivered by Seller to Buyer on October 22, 2012, and as further described in the Agreement. GE Capital Retail Bank Monogram Credit Services, L.L.C. By: By: Glenn Marino Glenn Marino Title: _EVP Title: President Date: Date: General Electric Capital Corporation RFS Holding, L.L.0 By: By: t\--el6.,.,,--.,,--_. Glenn Marino Joseph(R sa Title: Vice President Title: CFO Date: `- Date: V ---2-�� GEMB Lending, Inc. GEM Holding, L.L.0 By: By: C~ -,_13>_e., � --•-- .. Stephen Mona Joseph es)a ' Title: _Director Title: CFO Date: Date: t,,5 �� v FR833282333_LOWE'S CREDIT CARD T&C PLCC PDF 5/12 GE CAPITAL RETAIL BANK SECTION I: RATES AND FEES TABLE LOWE'S CREDIT CARD ACCOUNT AGREEMENT PRICING INFORMATION Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 24.99% How to Avoid Paying Interest Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest if you pay your entire balance by the due date each month. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00 Penalty Fees • Late Payment Up to $35 How We Will Calculate Your Balance: We use a method called "daily balance". See your credit card account agreement on the next page for more details. SECTION II: RATES, FEES AND PAYMENT INFORMATION LOWE'S CREDIT CARD ACCOUNT AGREEMENT How Interest is Calculated Your Interest Rate We use a daily rate to calculate the interest on the balance on your account each day. The daily rate for purchases is the APR times 1/365. The daily rate for purchases is .06847% (APR 24.99%). Interest will be imposed in amounts or at rates not in excess of those permitted by applicable law. When We Charge Interest We charge interest on your purchases from the date you make the purchase until you pay the purchase in full. See exceptions below. • We will not charge you interest during a billing cycle on any purchases if: 1. You had no balance at the start of the billing cycle; OR 2. You had a balance at the start of the billing cycle and you paid that balance in full by the due date in that billing cycle. • We will credit, as of the start of the billing cycle, any payment you make by the due date that we allocate to purchases if: 1. You had no balance at the start of the previous billing cycle; OR 2. You had a balance at the start of the previous billing cycle and you paid that balance in full by the due date in the previous billing cycle. How We Calculate Interest We figure the interest charge on your account separately for each balance type. We do this by applying the daily rate to the daily balance for each day in the billing cycle. A separate daily balance is calculated for the following balance types, as applicable: purchases and balances subject to different interest rates, plans or special promotions. See below for how this works. 1. How to get the daily balance. We take the starting balance each day, add any new charges and fees, and subtract any payments or credits. This gives us the daily balance. Credit insurance premiums and debt cancellation fees, if any, are not included in the daily balance. Late payment fees are treated as new purchases. 2. How to get the daily interest amount. We multiply each daily balance by the daily rate that applies. 3. How to get the starting balance for the next day. We add the daily interest amount in step 2 to the daily balance from step 1. 4. How to get the interest charge for the billing cycle. We add all the daily interest amounts that were charged during the billing cycle. We charge a minimum of $1.00 of interest in any billing cycle in which you owe interest. This charge is added proportionately to each balance type. How Fees Work Late Payment Fee We will charge this fee if we do not receive the total minimum payment due on your account by 5 p.m. (ET) on the due date. This fee is equal to: 1. $25, if you have paid your total minimum payment due by the due date in each of the prior six billing cycles. OR 2. $35, if you have failed to pay your total minimum payment due by the due date in any one or more of the prior six billing cycles. The late payment fee will not be more than the total minimum payment that was due. Minimum Payment Calculation Your total minimum payment is calculated as follows. The sum of: A. The greater of: 1. $25 (which includes any past due amounts) OR 2. The sum of the following amounts, rounded up to the next highest whole dollar: a. Any past due amounts; PLUS b. 1% of your new balance (excluding any balance in connection with a special promotional purchase with a unique payment calculation) shown on your billing statement; PLUS c. Any late payment fees charged in the current billing cycle; PLUS d. All interest charged in the current billing cycle; PLUS e. Any payment due in connection with a special promotional purchase with a unique payment calculation. PLUS B. The monthly charges for any optional credit insurance or debt cancellation product you have elected to purchase for your account. Your total minimum payment will never be more than your new balance. Special Promotional Financing Offer Information At times, we may offer you special financing promotions for certain transactions ("special promotions"). The terms of this Agreement apply to any special promotion. However, any special promotional terms that are different than the terms in this Agreement will be explained on promotional advertising or other disclosures provided to you. Below is a description of certain special promotions that may be offered: • No Interest if Paid in Full Within 6 Months • No Interest if Paid in Full Within 12 Months • No Interest if Paid in Full Within 18 Months • No Interest if Paid in Full Within 24 Months For each promotion, if the promotional purchase is not paid in full within the promotional period, interest will be imposed from the date of purchase at the APR that applies to your account when the promotional purchase is made. At the time your account is opened, the Purchase APR is 24.99%. When you make a qualifying purchase under one of the promotions shown immediately above, no interest will be assessed on the purchase if you pay the promotional purchase in full within the applicable promotional period. If you do not, interest will be assessed on the promotional purchase from the date of the purchase. Minimum monthly payments are required. OR • No Interest for 24 Months • No Interest for 36 Months For each promotion, after the promotion ends, the APR that applies to your account when the promotional purchase is made will apply. At the time your account is opened, the Purchase APR is 24.99%. When you make a qualifying purchase under one of the promotions shown immediately above, no interest will be assessed on the purchase during the promotional period and a unique monthly payment will be required equal to at least 4.1667% of your initial promo purchase amount for 24 month promotions, or 2.7778% of such amount for 36 month promotions. For all the promotion types shown above: Regular account terms apply to non -promotional purchases and, after promotion ends, to your promotional purchases. Offers are subject to credit approval. These promotional offers may not be available at all times for all purchases. Please see any special promotion advertising or other disclosures provided to you for the full terms of any special promotion offered. SECTION III: STANDARD PROVISIONS LOWE'S CREDIT CARD ACCOUNT AGREEMENT nABOUT THE CREDIT CARD ACCOUNT AGREEMENT This Agreement. This is an Agreement between you and GE Capital Retail Bank, 170 Election Road, Suite 125, Draper, UT 84020, for your credit card account shown above. By opening or using your account, you agree to the terms of the entire Agreement. The entire Agreement includes the four sections of this document, the application you submitted in connection with the account. These documents replace any other agreement relating to your account that you or we made earlier or at the same time. Parties To This Agreement. This Agreement applies to each accountholder approved on the account and each of you is responsible for paying the full amount due, no matter which one uses the account. We may treat each of you as one accountholder and may refer to each of you as "you" or "your". GE Capital Retail Bank may be referred to as "we", "us" or "our". Changes To This Agreement. We may change, add or delete terms of this Agreement, including interest rates, fees and charges. Special Promotions. The terms of this Agreement apply to any special promotion. However, any special promotional terms that are different than the terms in this Agreement will be explained on promotional advertising or other disclosures provided to you. HOW TO USE YOUR ACCOUNT/CARD Use Of Your Account. You may use your account only for lawful personal, family or household purposes. You may use your account for purchases from Lowe's locations, including on Lowes.com. In addition to making purchases from Lowe's in the United States, your card can also be used to make purchases from any Lowe's store in Canada (each such purchase, a "Canadian Purchase"). See the Important Information About Your Account section for additional terms that will apply to each Canadian Purchase. You Promise To Pay. You promise to pay us for all amounts owed to us under this Agreement. Your Responsibility. Each accountholder will receive a card. You may not allow anyone else to use your account. If you do, or if you ask us to send a card to someone else, you will be responsible for paying for all charges resulting from their transactions. Purchase Limits. To prevent fraud, we may limit the number or dollar amount of purchases you can make in any particular amount of time. We also may decline any particular charge on your account for any reason. Credit Limit. You will be assigned a credit limit that we may increase or decrease from time to time. If we approve a purchase that makes you go over your credit limit, we do not give up any rights under this Agreement and we do not treat it as an increase in your credit limit. OW AND WHEN TO MAKE PAYMENTS When Payments Are Due. You must pay at least the total minimum payment due on your account by 5 p.m. (ET) on the due date of each billing cycle. Payments received after 5 p.m. (ET) will be credited as of the next day. You may at any time pay, in whole or in part, the total unpaid balance without any additional charge for prepayment. If you have a balance subject to interest, earlier payment may reduce the amount of interest you will pay. We may delay making credit available on your account in the amount of your payment even though we will credit your payment when we receive it. Payment Options. You can pay by mail, online or at a Lowe's store. We may allow you to make payments over the phone but we will charge you a fee to make expedited phone payments. Your payment must be made in U.S. dollars by physical or electronic check, money order or a similar instrument from a bank located in the United States. How To Make A Payment. You must follow the instructions for making payments provided on your billing statement. If you do not, credit of your payment may be delayed up to five days. Your billing statement also explains how information on your check is used. Payment Allocation. We will apply the required total minimum payment to balances on your account using any method we choose. Any payment you make in excess of the required total minimum payment will be applied to higher APR balances before lower APR balances. Applicable law may require or permit us to apply excess payments in a different manner in certain situations, such as when your account has a certain type of special promotion. INFORMATION ABOUT YOU Using and Sharing Your Information. When you applied for an account, you gave us and Lowe's Companies, Inc. information about yourself that we could share with each other. Lowe's Companies, Inc. will use the information in connection with the credit program and for things like creating and updating its records and offering you special benefits. More information about how we use and share information is set forth in the privacy policy for your account. Address/Phone Change. You agree to tell us right away if you change your address or phone number(s). We will contact you at the address or phone number in our records until we update our records with your new address or phone number. Consent To Communications. You consent to us contacting you using all channels of communication and for all purposes. We will use the contact information you provide to us. You also consent to us and any other owner or servicer of your account contacting you using any communication channel. This may include text messages, automatic telephone dialing systems and/or an artificial or prerecorded voice. This consent applies even if you are charged for the call under your phone plan. You are responsible for any charges that may be billed to you by your communications carriers when we contact you. Telephone Monitoring. For quality control, you allow us to listen to and/or record telephone calls between you and us. IMPORTANT INFORMATION ABOUT YOUR ACCOUNT Closing Your Account. You may close your account at any time by sending a letter to the address shown on your billing statement or calling customer service. We may close your account at any time, for any reason. If your account is closed, you must stop using it. You must still pay the full amount you owe and this Agreement will remain in effect until you do. Collection Costs. If we ask an attorney who is not our salaried employee to collect your account, we may charge you our collection costs. These include court costs and reasonable attorneys' fees. Credit Bureau Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be shown in your credit report. Tell us if you think we reported wrong information about you to a credit bureau. Write to us at P.O. Box 965005, Orlando, FL 32896-5005. Tell us what information is wrong and why you think it is wrong. If you have a copy of the credit report that includes the wrong information, send us a copy. Default. You are in default if you make a late payment, do not follow any other term of this Agreement or become bankrupt or insolvent. If you default or upon your death, we may (a) request payment of the full amount due right away, (b) take legal action to collect the amounts owed, and/or (c) take any other action allowed. Disputed Amounts. The billing rights summary in section IV of this Agreement describes what to do if you think there is a mistake on your bill. If you send us correspondence about a disputed amount or payment, you must send it to the address for billing inquiries. We do not give up any rights under this Agreement if we accept a payment marked "payment in full" or given with any other conditions or limitations. Unauthorized Use. If your card is lost, stolen or used without your consent, call us immediately at 1-800-444-1408. You will not be liable for unauthorized use on your account, but you will be responsible for all use by anyone you give your card to or allow to use your account. Canadian Transactions. The following additional terms will apply to each Canadian Purchase. If you make or return a Canadian Purchase in Canadian dollars, we will convert the transaction amount into U.S. dollars using our currency conversion procedure. Under the currency conversion procedure that we currently use, the Canadian dollar transaction amount is converted into a U.S. dollar amount by multiplying the transaction amount in the Canadian dollar currency by a currency conversion rate. The currency conversion rate that we currently use is a prevailing foreign exchange rate selected in our discretion. The currency conversion rate that we use for a particular transaction is the rate in effect when we do the conversion. This rate may differ from the rate in effect when the Canadian Purchase or return occurred or when it was posted to your account, and may be higher or lower than the rate you could have gotten if you had converted U.S. dollars into Canadian dollars. Returns of Canadian Purchases will be subject to Lowe's return policies. Under the return policies currently in effect, a Canadian Purchase can only be returned at a Lowe's store in Canada and cannot be returned at a Lowe's store in the United States. In the event that a United States Lowe's store does permit the return or exchange of the Canadian Purchase, the Lowe's store will not issue a credit to your account for the Canadian Purchase amount. For example, the United States Lowe's store, in its discretion, may provide you with other merchandise, a gift card or cash in exchange for the Canadian Purchase. The Canadian Purchase amount will continue to be a part of your account balance, and you will remain responsible for paying the Canadian Purchase amount. IMPORTANT INFORMATION ABOUT THIS AGREEMENT Assignment. We may sell, assign or transfer any or all of our rights or duties under this Agreement or your account, including our rights to payments. We do not have to give you prior notice of such action. You may not sell, assign or transfer any of your rights or duties under this Agreement or your account. Enforceability. If any part of this Agreement is found to be void or unenforceable, all other parts of this Agreement will still apply. Governing Law. Except as provided in the Resolving a Dispute with Arbitration section, this Agreement and your account are governed by federal law and, to the extent state law applies, the laws of Utah without regard to its conflicts of law principles. This Agreement has been accepted by us in Utah. Waiver. We may give up some of our rights under this Agreement. If we give up any of our rights in one situation, we do not give up the same right in another situation. LRESOLVING A DISPUTE WITH ARBITRATION PLEASE READ THIS SECTION CAREFULLY. IF YOU DO NOT REJECT IT, THIS SECTION WILL APPLY TO YOUR ACCOUNT, AND MOST DISPUTES BETWEEN YOU AND US WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A JURY WILL RESOLVE ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION WILL BE AVAILABLE; AND (4) APPEAL RIGHTS WILL BE LIMITED. • What claims are subject to arbitration 1. If either you or we make a demand for arbitration, you and we must arbitrate any dispute or claim between you or any other user of your account, and us, our affiliates, agents and/or Lowe's Companies, Inc. if it relates to your account, except as noted below. 2. We will not require you to arbitrate: (1) any individual case in small claims court or your state's equivalent court, so long as it remains an individual case in that court; or (2) a case we file to collect money you owe us. However, if you respond to the collection lawsuit by claiming any wrongdoing, we may require you to arbitrate. 3. Notwithstanding any other language in this section, only a court, not an arbitrator, will decide disputes about the validity, enforceability, coverage or scope of this section or any part thereof (including, without limitation, the next paragraph of this section and/or this sentence). However, any dispute or argument that concerns the validity or enforceability of the Agreement as a whole is for the arbitrator, not a court, to decide. • No Class Actions YOU AGREE NOT TO PARTICIPATE IN A CLASS, REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL ACTION AGAINST US IN COURT OR ARBITRATION. ALSO, YOU MAY NOT BRING CLAIMS AGAINST US ON BEHALF OF ANY ACCOUNTHOLDER WHO IS NOT AN ACCOUNTHOLDER ON YOUR ACCOUNT, AND YOU AGREE THAT ONLY ACCOUNTHOLDERS ON YOUR ACCOUNT MAY BE JOINED IN A SINGLE ARBITRATION WITH ANY CLAIM YOU HAVE. If a court determines that this paragraph is not fully enforceable, only this sentence will remain in force and the remainder will be null and void, and the court's determination shall be subject to appeal. This paragraph does not apply to any lawsuit or administrative proceeding filed against us by a state or federal government agency even when such agency is seeking relief on behalf of a class of borrowers, including you. This means that we will not have the right to compel arbitration of any claim brought by such an agency. • How to start an arbitration, and the arbitration process 1. The party who wants to arbitrate must notify the other party in writing. This notice can be given after the beginning of a lawsuit or in papers filed in the lawsuit. Otherwise, your notice must be sent to GE Capital Retail Bank, Legal Operation, P.O. Box 29110, Shawnee Mission, KS 66201, ATTN: ARBITRATION DEMAND. The party seeking arbitration must select an arbitration administrator, which can be either the American Arbitration Association (AAA), 1633 Broadway, 10th Floor, New York, NY 10019, www.adr.org, (800) 778-7879, or JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadreom, (800) 352-5267. If neither administrator is able or willing to handle the dispute, then the court will appoint an arbitrator. 2. If a party files a lawsuit in court asserting claim(s) that are subject to arbitration and the other party files a motion with the court to compel arbitration, which is granted, it will be the responsibility of the party asserting the claim(s) to commence the arbitration proceeding. 3. The arbitration administrator will appoint the arbitrator and will tell the parties what to do next. The arbitrator must be a lawyer with at least ten years of legal experience. Once appointed, the arbitrator must apply the same law and legal principles, consistent with the FAA, that would apply in court, but may use different procedural rules. If the administrator's rules conflict with this Agreement, this Agreement will control. 4. The arbitration will take place by phone or at a reasonably convenient location. If you ask us to, we will pay all the fees the administrator or arbitrator charges, as long as we believe you are acting in good faith. We will always pay arbitration costs, as well as your legal fees and costs, to the extent you prevail on claims you assert against us in an arbitration proceeding which you have commenced. • Governing Law for Arbitration This Arbitration section of your Agreement is governed by the Federal Arbitration Act (FM). Utah law shall apply to the extent state law is relevant under the FAA. The arbitrator's decision will be final and binding, except for any appeal right under the FAA. Any court with jurisdiction may enter judgment upon the arbitrator's award. • How to reject this section You may reject this Arbitration section of your Agreement. If you do that, only a court may be used to resolve any dispute or claim. To reject this section, you must send us a notice within 60 days after you open your account or we first provided you with your right to reject this section. The notice must include your name, address and account number, and must be mailed to GE Capital Retail Bank, P.O. Box 965012, Orlando, FL 32896-5012. This is the only way you can reject this section. SECTION IV: OTHER IMPORTANT INFORMATION OF LOWE'S CREDIT CARD ACCOUNT AGREEMENT This section of the agreement includes state notices, billing rights summary and rewards terms (if applicable) and is not required to be provided as part of the credit card agreement posted online or provided to the CFPB. FR833282333_LOWE'S CREDIT CARD T&C PLCC PDF 5/12 AFFIDAVIT OF SALE STATE OF: Minnesota : SS COUNTY OF: Ramsey BEFORE ME, on the day and date set forth below, the undersigned Notary, being qualified and commissioned in and for the county and state aforesaid, personally came and appeared William G. Dunkel Jr. , who being duly sworn, did depose and say: Affiant is a Collections Operations Representative at GE Capital Retail Bank, issuer of the relevant consumer transaction/credit card. I have reviewed the information below regarding the debt 1 089 (the "Account") made by TRAVIS SMITH (the "Debtor") made payable to GE Capital Retail Bank and subsequently sold to Portfolio Recovery Associates, LLC. The amount owed on the account on 10/20/2012, $5232.28 was sold to Portfolio Recovery Associates, LLC and is reflected in the system of GE Capital Retail Bank. The following statement pertains if the debtor referenced above is a state of California resident: I certify under the penalty of perjury under the laws of the state of California that the foregoing is true and correct. Executed this 11th day of April, 2013 William G. Dunkel Jr. Collections Operations Representative Sworn to and Subscribed before me this \ l day of NICOLE A.THOMAS Notaryu14 Orintssion BpUN 8 Version: 1.0.1_A0S_06_06_2012 - St Paul J At( Notary blic ,2013 (MN My commission expires: IIS Lowe's® Credit Card Account TRAVIS W SMITH Account Number )08 9 Summary of Account Activity Previous Balance $5,232.28 - Payments $0.00 - Other Credits $5,232.28 + Purchases/Debits $0.00 + Fees Charged $0.00 + Interest Charged $0.00 New Balance Credit Limit Available Credit Statement Closing Date Days in Billing Cycle $0.00 $4,870.00 $0.00 10/10/2012 28 Visit us at www.lowes.com/credit Customer Service: 1-800-568-0156 Payment Information New Balance $0.00 Amount Past Due $0.00 Total Minimum Payment Due $1,081.00 Payment Due Date 10/12/2012 Late Payment Warning:If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35.00. Promotion Expiration Notification YOU HAVE A DEFERRED INTEREST PROMOTION(S) EXPIRING ON 12/13/12. YOU MUST PAY EACH DEFERRED INTEREST PROMOTIONAL BALANCE IN FULL BY ITS EXPIRATION DATE TO AVOID PAYING ACCRUED INTEREST CHARGES. PLEASE SEE THE PROMOTIONAL PURCHASE SUMMARY SECTION ON THIS STATEMENT FOR FURTHER DETAILS. Promotional Purchase Summary The terms that apply to your promotional purchase(s) are as follows: DEFERRED INTEREST: To avoid paying Accrued Interest Charges on a DEFERRED INTEREST promotion, you must pay at least your minimum payment due, if any, each month and the entire applicable Payoff Amount by the promotion Expiration Date. For each promotion, after a promotion ends or is terminated, non -promotional account terms will apply. To make more than one payment, you can pay online at the online address stated above or you can mail in your payment to the address on the remit stub. This address is also available from our automated customer service system. Purchase Purchase Date Amount Promotion Type 05/29/2011 $1,482.94 Reg Deferred Interest/With Pay Accrued Billed INTEREST INTEREST Payoff Expiration CHARGES CHARGES Amount Date $0.00 $0.00 $1,100.98 12/13/2012 Transaction Summary Tran Date Post Date Reference Number/ Invoice Number 10/10 10/10 10/10 10/10 Description of Transaction or Credit CHARGE OFF ACCOUNT -PRINCIPALS CHARGE OFF ACCOUNT *FINANCE CHARGES' FEES TOTAL FEES FOR THIS PERIOD INTEREST CHARGED 10/10 10/10 INTEREST CHARGE ON PURCHASES (Continued on next page) Amount ($4,183.72) ($1,048.56) $0.00 $0.00 PAYMENT DUE BY 5 P.M. (ET) ON THE DUE DATE. NOTICE: We may convert your payment into an electronic debit. See reverse for details, Billing Rights Information and other important information. 7009 X59 1 3 10 121010 Z X PAGE 1 of 3 9299 0010 5001 01CX7009 ilii II 11 II II III 111 TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Detach and mail this portion with your check. Do not include any correspondence with your check. —I Account Number: '08 9 Total Minimum Payment Due Amount Past Due Payment Due Date New Balance $1,081.00 $0.00 10/12/2012 $0.00 Payment Enclosed: Please use blue or black ink. 40 New address o email, Print changes on back. Make Payment to: LOWE'S/GECRB P.O. BOX 530914 ATLANTA, GA 30353-0914 Transaction Summary (Continued) Tran Date Post Date Reference Number! Invoice Number Description of Transaction or Credit TOTAL INTEREST FOR THIS PERIOD 2012 Totals Year -to -Date Total Fees Charged in 2012 Total Interest Charged in 2012 Total Interest Paid in 2012 $140.00 $673.11 $85.47 Amount $0.00 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Current Transactions Regular Purchases Reg Deferred Interest/With Pay Transactions on or before 11/28/2010 Regular Purchases Expiration Annual Balance Subject Interest Balance Date Percentage Rate To Interest Rate Charge Method NA 24.99% 12/13/2012 24.99% NA 22.99% $0.00 $0.00 $0.00 $0.00 2D $0.00 2D $0.00 20 Important Account Information If your account has a deferred interest promotion and you would like us to apply a payment on your account in a different way, please call Customer Service to discuss other options that may be available. 7009 X5G 3 10 121010 Z X PAGE 2 of 3 9294 0010 5001 01CX7009 7009 X5G '3 10 21010 of 3 9294 0010 010X7009 rACCTN U M ................................ ............................... MKR FN MKR-LN................._. CMPNY NAME MKR TAXID MKR AD1 MKR_AD2 IMKR_AD3 IMKR_CITY iMKR_ST €MKR ZIP 'MKR_HP EMKR_WP MKR_BARDATE „MKR_BKCHAP MKR_CASENUM.::: MKR_DISCHDTE MKR_DISMSDTE ................................................. MKR BKMEETDTE MKR_BKCOURT :MKR BKFILEDT ECOA OPENDATE ....:................::.............................. CHGOFF DATE RMSLASTPMT LASTPMTAMT %BRANCH1 DOFD TRAVIS SMITH _ ........._..I 188683322 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 .::......:.:::::::::.:............ 0000000000 .......... 100 20120605 30 C822 ...................................... 20120412 CHGOFFCODE LOSSAMT CURBAL RMSFILENUM ACCTSTS STSDESC JDGDATE OFF_CODE OFF DESC SKIP 5232.28 5232.28 68292838 SF5 Sales - Final - Primary Random Sale 0 LOW 027 ::::...:.....::.::::::............................. Lowe's Consumer BCLE BCLE_DESC BUYERCODE ;INT RATE 0181 Retail Bank 24.99 !CMKR_FN ::::::::::::::::.::::::.::::.:...:.::.. CMKR_LN CMKR_TAXID CMKR LIABLE Data printed by Portfolio Recovery Associates, LLC from electronic records provided by GE CAPITAL RETAIL BANK pursuant to the sale of accounts from GE CAPITAL RETAIL BANK to Portfolio Recovery Associates, LLC III Lowe's® Credit Card Account TRAVIS W SMITH Account Number .1.11308 9 Summary of Account Activity Previous Balance $4,866.91 - Payments $30.00 - Other Credits $0.00 + Purchases/Debits $0.00 + Fees Charged $35.00 + Interest Charged $76.93 New Balance $4,948.84 Credit Limit $4,870.00 Available Credit $0.00 Statement Closing Date 06/12/2012 Days in Billing Cycle 30 Visit us at www.lowes.com/credit Customer Service: 1-800-568-0156 Payment Information New Balance $4,948.84 Amount Past Due $426.00 Total Minimum Payment Due $588.00 Payment Due Date 07/05/2012 Late Payment Warning:lf we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35.00. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional charges using this card and each month you pay .... You will pay off the balance shown on this statement in about ... And you will end up paying an estimated total of ... Only the minimum payment 19 years $14,448.00 I you would like information about credit counseling services, call 1-877-302-8775. Promotion Expiration Notification YOU HAVE A DEFERRED INTEREST PROMOTION(S) EXPIRING ON 12/13/12. YOU MUST PAY EACH DEFERRED INTEREST PROMOTIONAL BALANCE IN FULL BY ITS EXPIRATION DATE TO AVOID PAYING ACCRUED INTEREST CHARGES. PLEASE SEE THE PROMOTIONAL PURCHASE SUMMARY SECTION ON THIS STATEMENT FOR FURTHER DETAILS. Promotional Purchase Summary The terms that apply to your promotional purchase(s) are as follows: DEFERRED INTEREST: To avoid paying Accrued Interest Charges on a DEFERRED INTEREST promotion, you must pay at least your minimum payment due, if any, each month and the entire applicable Payoff Amount by the promotion Expiration Date. For each promotion, after a promotion ends or is terminated, non -promotional account terms will apply. To make more than one payment, you can pay online at the online address stated above or you can mail in your payment to the address on the remit stub. This address is also available from our automated customer service system. Purchase Purchase Date Amount Promotion Type 05/29/2011 $1,482.94 Reg Deferred Interest/With Pay Accrued Billed INTEREST INTEREST Payoff Expiration CHARGES CHARGES Amount Date $378.88 $0.00 $1,100.98 12/13/2012 Transaction Summary Tran Date Post Date 06/05 06/05 (Continued on next page) Reference Number/ Invoice Number Description of Transaction or Credit ONLINE PYMT THANK YOU ALPHARETTA GA Amount ($30.00) PAYMENT DUE BY 5 P.M. (ET) ON THE DUE DATE. NOTICE: We may convert your payment into an electronic debit. See reverse for details, Billing Rights Information and other important information. 7009 05G II ilii III II 11 III III 1 7 10 120612 E X PAGE 1 of 3 9294 0010 3001 010157009 111 TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Detach and mail this portion with your check. Do not include any correspondence with your check. —I Account Number:08 9 Total Minimum Payment Due Amount Past Due Payment Due Date $588.00 $426.00 07/05/2012 $4,948.84 Payment Enclosed: 0 Please use blue or black ink. n . New address or email? Print changes on back. Make Payment to: LOWE'S/GECRB P.O. BOX 530914 ATLANTA, GA 30353-0914 Transaction Summary(Continued) Tran Date Post Date Reference Number/ Description of Transaction or Credit Amount Invoice Number FEES 06/05 06/05 LATE FEE $35.00 TOTAL FEES FOR THIS PERIOD $35.00 INTEREST CHARGED 06/12 06/12 INTEREST CHARGE ON PURCHASES $76.93 TOTAL INTEREST FOR THIS PERIOD $76.93 2012 Totals Year -to -Date Total Fees Charged in 2012 Total Interest Charged in 2012 Total Interest Paid in 2012 $105.00 $424.67 $85.47 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Current Transactions Regular Purchases Reg Deferred Interest/INith Pay Transactions on or before 11/28/2010 Regular Purchases Expiration Annual Balance Subject Interest Balance Date Percentage Rate To Interest Rate Charge Method NA 24.99% 12/13/2012 24.99% NA 22.99% $3,170.10 $1,473.35 $625.02 $65.12 20 $0.00 2D $11.81 2D Important Account Information Your account is past due. If you are having difficulty making your payments, we have many options available to help you bring your account current including Lowering Payments, Payment Matching and Interest Waivers. Call 1-800-568-0156 today to determine if you are eligible for one of our payment options. If your account has a deferred interest promotion and you would like us to apply a payment on your account in a different way, please call Customer Service to discuss other options that may be available. 7009 050 7 10 120612 E X PAGE 2 of 3 9294 0010 5001 01CX7009 • secure.,-el€clrGnic he'd avoid tate fees staternents help protect with email alerts your identity • Simplify your life with online statements help save S–no fast & easy account stamps or checks management reduce paper waste 02011 by Lower Companies, Inc. Lowe's' and the gable design are reg red trademarks of Lf,110. All rights reserved. Lowe's' Credit TRAVIS W SMITH Card Account Account Number MI)08 9 Revious Balance - Payrrents - Other Credits + Rlrchases/Debits + Fees Charged + Interest Charged $4,259.05 $134.00 $0.00 $28.09 $0.00 $63.79 New Balance $4,216.93 Credit Link $5,300.00 Available Credit $1,083.00 Statement Closing Date 01/13/2012 Days in Billing Cycle 31 Visit us at www.lowes.00n'credit Customer Service: 1-800-444-1408 ,Naw Balance $4,216.93 Total Mnirrum Payment Due $132.00 Payment are Date 02/05/2012 Late Payment Warning:If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35.00. Minimum Payment Warning: If you make only the ninirrum payrrent each period, you w ill pay more in interest and it w ill take you longer}�to}}pay balance. For example: }}off Ft 140 4*i++iiN'akAt }}yooi�ur�rr **} rW 'P � +detOrlatil7*}+ +i +yl A7lrHn4l 4441. �WMIn Only the rrinirrum payment 21 years $12,541.00 $176.00 3 years $6,339.00 (Savings = $6,202.00) If you would like information about credit counseling services, call 1-877-302-8775. YOU HAVE A DEFERRED earP 5/ST PRONOTION(S) EXP PN ON 12/13/12. YOU MUST PAY EACH DEFERRED IYTI flt23T PRONOTtONAL BALANCE N FULL BY ITS EXPIRATION DATE TO AVOID PAYING ACCRUED INTfflE:T CHARGES. PLEASE SEETHE PROMOTIONAL PURCHASE SUMMARY SECTION ON THS STATEMENT FOR FURTHER DETA LS. PAYNB'fT DUE BY 5 P.M. (ET) ON THE DUE DATE NOTICE We may convert your payment into an electronic debit. See reverse for details, Billing fights hiormation and other rrportant information. 7009 X5G 1 7 10 120113 PAGE 1 of 5 9294 0010 5001 01107009 Detach and mail this portion with your check Do not include any correspondence with your check — Account Number089 TRAVIS W SMITH 175 WHSKEY RUN RD tOEWVLLE fA 17241-8601 +PeYraen+Ate Vet*+ +++++ $132.00 02/05/2012 $4,216.93 Payment Enclosed: Rease use blue or black ink New address or email? Prim changes on back PH FIJADDAAAFATDFAAFAFDFFTAFAATFFTDTFDTAFDTAFTFFAATDTATFATAATATTDF Make Payment to: LOWES/GC{1 E P.O. BOX 530914 ATLANTA GA 30353-0914 FFTATDFDHHHH FFATFFDADADAADFDAATATDATATDDFDADTFDHHH-ATATFFDD'tFTDTD Odom/Service/Questions: For account Intone llon, please call the toll free number on the front of this statement. Unless your name is listed on this statement, your access to information on the account may be Limited. You may also mall questions (but not payments) to: P.O. Box 965004, Orlando, FL 32896.5004.Please include youracco unt number on any correspondence you send to us. payments: Send payments tothe address listed on the remit parkin of this statement orpayonline. Notice: See belay for your Billing Rights and other important information. Telephoning about biting errors will not preserve yam rights under federal law. To preserveyaur rights, please writeto our Billing Inquiries Address, P.O.Box 965000, Orlando, FL32896-5003. Purchases, returns, and payments made pst prior to billing data may not appear until next month's statement. Wtren you provide a check as payment. you authorize us abet touse intormatlon from your check lo melee a one•timeelectronic fund transfer from youraccounlorto process the payment as a c heck transaction. When we use information Irani your check to make an electronic fund transfer, funds maybe withdrawn from your account as soon as the same day we receive your payment, end you will not receive your Check back from your financial Institution. You may choose not to have your payment collected electronically by sending your payment (with the payment slob), In your own envelope—not the enclosed window envelope, addressed to: P.O. Box 960097, Orlando, FL 328964097 and not the Payment Address. What ToDo f You Think You Find ANkfeke On YourStalamerrt If ycu think there is an erroran your statement, write to us al the Btkrg Inquiries Address at GE Capital Retail Bank P0. Box 965033, Orlando. FL 328965003 in your tetter, give us the fallowing Information: • Aotount adamaterr Your name end accaat number • Oadar amount The dollar amount of tre suspected eta • Desolation dProblem: Ifyou th lktheresanetaonyourMl.describe whatycubelieve is wrong andwiryyou Wove Oise mistake. You must canted us Witch 03 days alter the error appeared on you statement. You must notify us of arty pinurtntermrs in vsldtrrg.You may cdlus, tut if you do we are not required to Investigate arty candid errors and yah may havetopayrtheamoumM question. Whkiwelnvest'gatewhether or not there has been enerror, the following °retie: • We came try to collect the snood in question. or repot you as delinquent on grafi amount. - The charge in question may remain an your statemert, and we may continue tocharge you Merest an that amour/. But, if wedoerminethat we made a mistake, you will rot have to pay the amount In question a arty Interest gather fees related to that amount. • Whileyoudoant havetopay meamount in mastic°, you are rep onsi le for the remainder of your balance. • hYecanappfyanyunpaidamaunt againstyouraedilfrmt. YowRlghtsNYou AreDissaltsf)edWith Yaw Credit Card Purchases It you are dssakskedwih the goods or cervices that youhave purchased with you credit card, and you have bled In goad faith to convict the problem with the merchant, you may have the rgbt not to pay the remain hg amount due onthe purchase. Touseidsdght,alai thefollowing mustbetnre: 1. The purchase must have been made in you home slate or within 150 mites d your current mallhg address, and the purchase price must have beenmcre than 550.(Note:Renard the arenecessaryifyourpurchase fres based an an advertisemedeeGmaite toyou, or If ueown thecompany Oaf addyouthegoodsararvices.) 2. You must have usodyoorcredecarl fertile purchase. Purchasesmade well cash advances from an ATM or with a chick that accesses your credit card amount do rot gtalfy. 3. You must rot yet have My pain tar the puohase. If a8 of the criteria above are met and you are die dissatisfied with the purdase, toted us in w ri ingot GE Capital Retail Bank P.O. Box 665003, Orlando, FL 32896-5003 While we imestgate, the same rules apply to the disputed amount as discussed above. After we knish our irweotigatbn, wa wit tee you our decisbn. Al that paint if we think you owe enamount and you do not pay we may report you as dethquent. 7nforrnmfon AboutPaymonta: You may at any time pay In whole or in part, the total unpaid balance without any additional charge for prepayment Payments received after 5:00 PM (ET) on any day wit be credited as ofthe nedday. Qafitoran Account may bedelayeduptotire days ifpaymel(a)is notreceiredatthe PaymedAddness, (b) isrclmade in US. dadars dram on a U.S. IManciat institution heated In the U.S. (c)is not accompanied by the remittance coupon ettachad to yaw statomenl (d) contains morello's comment orremftanceccup s,(e)isnotreceivedin the remittance envelope prodded a(f} includes staples, p aper clips,tape, a folded chock, or oomespocdarca of any type. Cordbond Payments: An written communications concerning disputed amounts, hctuding any deck or a8ha payment Instrument that: (i) ledsatesthat the payment constitutes 'refined in fur or is tendered as hdsatisfadmnof a disputed amount; or(il) Is tendered wet other conditions or Ilnelatbns (Disputed Payments'). neat bemallof ordelleredfousatlQ. Box965QOty, Orlando, FL 32896.5603 Credits To YourAccount:An amort shaven in parerdheaisorpnodedby a minus (-) sign is a crede or credt balance unless otherwise Indicated. Credits will be applied b your previous balance immediately upon receipt ext wit not eats fy any required payment l lot may bedue. Credit Reports And Account Information: It you behave that we hate reported immures informalon shout sou to a omsuma+epming agency 'dame corned usat PO Bar 965005, Oriend), FL 32896-5005. Inching an please Idweiy the Innovate in annali n and let us why you tonere it is Intoned. if Lou have a oopyof the credit report that Includes the hacduate Information, please Moble a cop/ of that report. Vile may repxxl latamatfon about your wort to aedt bureaus. Late payments, missed payments, a ofrerdetaltson}aaamount may bemfiededinyouraedt report. Balance Subject To lntarest Charge Calculation Method 2D (Daily Balance method): We figure the interest charge on your account by applkp dic the pelorate to the -cher balance" of your account for each day In (he billing cycle. We then add the interest to the daily balance, To get the "dairy balance" we take the beginning balance of your account each day (which Includes unpaid Interest), add any new charges, and applicable lees, and subbed any payments or credits. This gives us the daily balance, My daily belaioe of less than zero red be treated as zero. A separate daily balance WO be calculated for each balance type on your aamum. The balance(s) shorn in the interest Charges sedbn of thlsatatement is thesumof thedalfy balances breath dayinthe blllingcycledwidedbythenumberof days In the bil6gcyde. Method 2M (Average Daily Balance including current transactions): We 'bare the interest charge an your exeunt b./applying the periods rate to the 'average dally balance" of OR account To get the'teverage deny balance" we take Be beginning balance of your account each day, which includes any unpaid Interest charges born the previous billing cycle, add any new charges, end opposable tees end subtract any pryments or aeries. This gives us the daily balance. Then, we add up an the daily balances for the billing cycle and divide the tatal by the number of days M the billing cycle. This gives us the "average daily balance" which is the balance shown M the Interest Charges section of this statement. My average deity balance of less Mantero will be treated as zero. A separate avenagh daily balance roll be calculated for each balance type on your account. Method 3D (Daily Balance excluding current transactions): We figure the Interest charge on your accamt by epptyrng the perledic rate to the "dally balance" of your account for each day M the billing cycle To gel the 'dairy balance' we tale the beginning balance of your attain each day, add any interest and applicable fees end subtract any payments ercredits. We do not add in any new charges. This gives us the daily balance. My daily balance of less than zero will be treated as zero. The balance(s) shown in the Interest Charges section of this statement Ls the sum of the daily balances for each day is the Wing orb divided by the number of days M the btlMg cycle. A separate daily balance wig be calculated for each balance type on your account. Method 5 (Average Daily Balance excluding currentfranaadions and unpaid interest thaws): We figure the Interest charge on your account by applying the periodic rate to the 'average dally balance" of your account. To get the°averagedaily balance" we tale to beginning balance Of your aaounteachday,addapptcable fees and subtract any payments, tracts and unpaid interest charges from The previous Mlfrg cycle. We da not add in any new charges. This poen us the daily balance. Then• we add up all the daily balances for the billing cycle and divide the total by the number of days In the baling cycle. This gives us the 'average daily balance," which Is the balance shown in the Interest Charges section al thisstatemee. Any average dairy balanced fess than zero will helmeted es zero. A separate manage daily balance will be calculated for each balance type on your datum. Method 6(Average Daily Balance Including currerdtransaclfMs and excluding unpaid Interest charges): We figure the interest Marge on your account by applying the periodic rate lathe 'average daily hatance'af your account. To gat the'svemge daily balance' we lake the beginning balance of your a000urd each day add any new the rges and appficatte lees end subtract any payments, credits and unpaid Interest larges horn the previous bilkng cycle. This gives us the daily balance. Than, we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the "average daily balance.' which Is the balance dawn in The Interest Charges section of this statement. Any average daily balance alfcs than zero will be Mated as zero. A separate average dally balance will be calculated fa each balance type on your account. Banloxrpicy Mace: If you file bankruptcy you must sand us eabice, incfudirg nowt asnberand atinbnmaten Ielatedlothe proceeding tome folOcdng address: GE Capital Rene Bank, NM: BanlmolcyDept, PO. Box 103100. Rnsuel, GA 30076. Yowaccarmis ow edandservicedbyGECapitalRetailBank Neadng lmpafred: TDO userscan 1-893-444-1732. 01CX7009. 1- 071112011 This Is an attempt to coned a debt and any information obtained will be used for that purpose. 'Dy providing telephone manta on my account, !consent to GE Caplet Retail Bank and art/other owner cr services of my accountcaetad'mg mahout my account, including using any coned Information or cell phone numbers I provide, and I consent to the use of my eutunafic telephone foaling system and/siren artificial or prerecorded voice when contacting me, even Mem charged teethe call under mryphone plan. For changes of address. phone number endler snail, please check the box and print the changes belay!, Street Address Zip Cty. SI - Phone 0 E-maIl Home Phone ff Business Phone is 'Cell k a caber phone 0 we Email Address can use to panted you By providing your email address, you agree to receive email communications about your account and abo give permission for us to share your email address to Law's. Managing your home has never been so simple. Get inspired. G1et ogga ized. Get answers. MyLowe's- is an innovative new online tool that makes managing, maintaining and improving your home simpler than its ever been. •nil y owe . Remember to scan every time you swipe. See Mick tCr rletaiiti. VORTIVIMPVCUONITO The teras that apply to your promotional purchase(s) are as fotow s: DE FERFIH) MEREST: To avoid paying Accrued hterest Charges on a DEFER MLAESTpromotion, you crust pay at least your rrinimum payment due, i any, each month and the entire applicable Payoff Amount by the promotion Ecpiration Date. For each pronation, after a pronation ends or is teminated, non -promotional account terms w ill apply. To make more than one payment, you can pay online at the online address stated above or you can mail in your payment to the address on the rent stub. This address is also available from our automated customer service system Rrrchase Rs -chase Date Amount Rorration Type 05/29/2011 $1,482.94 Reg Get erred InterestNVth Pay Accrued Billed IYTU1G^,T INTERMT Payoff Expiration C1 -LARGES CHARGES Amount Date $230.63 $0.00 $1,186.60 12/13/2012 lettittittnntild Tran Date Post Date 12/13 12/14 01/05 01/05 01/13 01/13 Reference Nir ber/ Invoice Number Description of Transaction or Credit 14618 STOPS 2816 SHFPBUSBURG PA 00bbPACr FLUORESCENT BLABS BLEACH, MGHTLICHTS LAB PST OTHER FEES MUNE PYMTTHANK YOU ALR-IARETTA GA FEES TOTAL FEES FOR THS PERIOD INET CHARGED BJTEFEST CHARGE ON PURCHASES TOTAL INTEREST FOR THS PEROD ... ... 4442440111144-864414110... racoon“ Total Fees Charged in 2012 Total Interest Charged in 2012 $0.00 $63.79 Amount $28.09 ($134.00) $0.00 $63.79 $63.79 Ittterilttninnt Your Annual Percentage Rate (APR) a the annual interest rate on your account. Type of Balance Current Transactions Regular Rlrchases Reg Deferred hterest/Wi h Pay Transactions on or before 11/28/2010 Regular Purchases Ecpiration Annual Balance Subject Interest Balance Date Percentage Rate To Interest Rate Charge Method NA 24.99% $2,313.32 $49.11 2D 12/13/2012 24.99% $1,428.95 $0.00 2D NA 22.99% $751.91 $14.68 2D ta5ht;• .f-rh. • . "l.• .i -Incl, Rnancing Promotion Details: You trey be offered one of the following promotions w hen you nuke a qualifying Low e's credit card purchase: No Interest if Paid in Full within 6, 12, 18 or 24 months. Under each pronation, no interest w ill be assessed on the purchase if you pay in full w ithin the promotional period: (1) the promotional purchase amount and (2) any related optional credit insurance/debt cancellation charges. t you do not, interest w ill be imposed on the purchase from the date of purchase at a rate of 24.99%. Mnimum monthly payments required. Offers subject to credit approval. Offers not available at all tines for all purchases Offer dates and other terns will be disclosed in promotional advertising. Regular account terns apply to non -promotional purchases and, after promotion ends, to promotional purchases. Cannot be combined with other credit related promotional offers. If your account has a deferred interest promotion and you would Eke us to apply a payment on your account in a different way, please cat Customer Service to discuss other options that may be available. Elective October 1, 2011, GE Money Bank ("GM") changed its name to GE Capital Retail Bank ("GECRE). airing the next few months you rmy see either nacre on docurrents you receive while we complete the transition. rli tdtd9f*dt/stalidIF[brrhstlb* Now you can recycle rechargeable batteries, plastic bags and CELS at your local Lowes. Simply drop the items in the bins near the store's entrance. Sign up to receive email from Low e's Oft Credit Services about special offers, news updates and more. Go to www.low es.con✓credieneil today to start receiving offers. Moving? Visit Low esmoving.com f or tools, tips and valuable offers to make your Trove easier. 7009 X5G 7 10 120113 PAGE 2 of 5 9294 0010 5001 01CX7009 Remember to scan every time you swipe. Simply apply the lviyLowe's sticker to the back of your Lowe's` Consumer Credit Card. Just be carefut not to cover your signature or card numbers. Then every tin -,e you use your credit card, your MyLowe's account code wilt be right there for you. thiINi !�k 0 2011 Lowe's Companies, inc. All rights reserved. Lowe's, the guide design. and ktyLowe's me trademarks of LF, LW. All are used with permission. Please Note: When contacting the Lowe's Credit Center, you crust be listed as an account owner to obtain information about the account. We cannot disclose information to authorized users or third parties. Ivbnitor your account 24/7. Enroll in free eServicing at www.lowescredit.com and take advantage of the easy way to: view recent transactions, check your balance, update personal information and ouch more. Don't get caught by an email scam.Occasionaly, crirrnals send emits that look like they're from a retailer, bank or other financial institution. This scam is called phishing. phishing erreils can look almost identical to real errais from GE Capital Retail Bank The enails try to trick people into revealing credit card or bank account numbers. Taking these four steps can protect you from fraud and identity thefts) Never respond to an erred with your account or social security number. 2) Lbgrade to the latest Internet brow sers and use anti-virus and anti-spyw are sof tw are. 3) Know your account status. Don't be fooled by false claims that it is in jeopardy. 4) Pensrrber, GE Capital Retail Bankemails regarding your account w gl always display the last four digits of your account number and never ask for confidential information. 7009 X50 7 10 120113 PAGE 3 of 5 9294 0010 5001 01CX7009 CREATIVE AND PRACTICAL SOLUTIONS TO MEET YOUR PROJECT'S NEEDS Love's has the breadth of services, product selection and expertise to help you find the right solution to your project needs at the right price. When you schedule your free in-home consultation, one of our experienced associates can recommend different options from a wide range of products at multiple price points. You'll get exactly what you want while getting the most out of every dollar. EXTERIOR PROJECTS INCLUDE: • Roofing • Siding • Windows • Blow-in Insulation • Fencing • Decking • Seamless Gutters PROFESSIONAL INSTALLATION • Installers are screened, insured and licensed (as required) • Our installers are customer rated to ensure you get the best service possible • Guaranteed by Lowe's with a one-year warranty on labor" SCHEDULE A FREE IN-HOME CONSULTATION TODAY. • Visit your local store • Call 1-800-GO-LOWES • Visit Iowes.com/Welnstall LET'S WORK TOGETHER TO MAKE THE MOST OF YOUR HOME "Dll inst0latiar services are grsanleed by tooth warranty Prams/anal installation araMate through Independent contractors, licensed end ra4sbied Allan appicatie. tkeues issued b a oreFfom on behalf of l's e Cental. hc.: AL 0l Mobile 4080129, Tuscaloosa 0103299, Auburn 01 242; AR 141007290511; CT 481100558162; OE 01993102010; FL 4CCC1326824, 400C1508417, CR01327732, 0083017683: L 9058.092578, 4104014837; KY-texil9bn 4115621k401103333: 61-6116161 40300725, Hammond 4017106-02, 1A-9t20P 4649$4518), C6C416633; MA 4148688; MD 091680.22; L4 02102144445; MN 420629859 MS 0403152; NC 070220; 103030316;15 42331910448438i; thcNew York Cily 91291730, 01291733,01375178, hbssuau4H1777893003,Sultolk44 06-H,Evftab4556853,Pubam 02742-A Tonawanda0CH33r3 1,Raddand4R-11092-BGCOM.00,Viesldres141AV 23319410; OH•Ccrumlna fiG5872, Lancaster 6500596, We= 622513, 0004: RBC147; TN 064743, 03070;VA42 4 10365961W wW014666 B&Omm143006i7, Charleston 41043 m1Magenta42010 0iJohnstatm *0467; FT 620575; n , R 4341; 114 41133309. Licenses issued b or en behalf of hole's HOW, Mc.: AA 428341: A2 Of OCl95516; CA 48032M; I®4CT-33784; ID *ACE -30318: MT 4161036; NV 40076159; OR 4144017;1R 4781223-5501; WA 4L0W5515 8281, watt neater trstatb6al: It an eopansbn lank 5 required by local code it will bean addtbnal doge (not included to ele bcskreplacement labs). Punt tees me aii&nal Mot included in the tonic replacement May da gas shutoff valve replacemem's wired b state code, addNmal charges may appy (not bduded in basic Installation). Additional doges fa LP cenoersion Ht may apply. Additional doges may appy to permit Imo. ® 2011 b/ loop's° Contparies, t1c. Lads' and the gatte design are iejlained trademarks of tF at. M rights renewed. 7009 X5G 1 7 10 120113 PAGE 4 of 5 9294 0010 S001 010X7009 USC YOUR 10 0P OMER CREDmT CARD AND dFF 5%ti EVERY DAY Mitre the nr:'rr.um pur':sse inquired rard chnola SPECIAL Spacer Firencbg and 5% discount carrot be combined. if your rit4e-eeoeipt purchase is over the minimum purchase required, you will be asked to select the offer you world Fite. `5% Off Your Lowey' Commie Greet Card Patinae Get 5% on you 514e -receipt In more a online pncuase of arty Instock a Special Order merdraMsecherged to your Lowek` Consumer Credit Card Offer is not vale on previous sates, purchase of snnvices,gitcerdsor Dacoe,OCS, Eixbolux or Fisher & Paykef• apptarxes.Olfer cannot be teed In calustm with any coupon, beak ninety amounts, Lowe's d00000%a Love's lov price grantee. Special French Offer. See sireassort* orcrab planation dedosuresin-sere cronlinebrdetails onfeSparerFinancing Oftamantle Mien you nelaynupuchase. Offers are subject toaeditapaarar.FxdudesLower OusrressCreditA.can6,Lome PrcoutCbo ntertts,ellLowe's° Ifea"Accou ts, and Lowe's° Canada C1edtAocounts.Yk reserve the right to dscerlitu e or eller the terms of these offers at any Me. 02011 bytorra.° campuses, Int LAlesanti re peon expo aro re f0 l tractmarksof LF,LLC.AII rights removes Lowe's® Credit Card Account Previous Balance $4,216.93 - Payments $132.00 - Other Credits $0.00 + FUrchases/Debfts $7.79 + Fees Charged $0.00 + Interest Charged $57.30 TRAVIS W SMITH Account Number 089 New Balance $4,150.02 Credit Limit $5300.00 Available Credit $1,149.00 Statement Dosing Date 02/10/2012 Days in Biting Cycle 28 Visit us at www.lowe s co n (cred it Customer Service: 1-800-444-1408 ,New Balance $4,150.02 Total MninumPaynent Due $130.00 Payment Due Date 03/05/2012 Late Payment Warning:If w e do not receive your minimum payment by the date listed above, you trey have to pay a late fee up to $35.00. Minimum Payment Warning: P you peke only the ranimrm payment each period, you will pay more in interest and it w ill longer�balance. Forr�ex{x��arrple: take you tto*o}}pay off your tic *+49'91#40 }} 'P4� Mttlea e* rygNd•saeliMuhM * —.e NE1111 4, M Only the minimum 21 $12,422.00 payment years $6,284.00 $175.00 3 years (Savings $6,138.00) you would like information about credit counseling services, cat 1-877-302-8775. 111111tVOIttittfltinit YOU HAVE A DEFERRED MSEST PROMOTION(S) EXPIRNO ON 12/13/12. YOU fv1115'T PAY EACH DEFEFFED MEREST PROMOTIONAL BALANCE IN FULL BY ITS EXPIRATION DATE TO AVOID PAYING ACCRUED INTEREST CH4 RGES. PLEASE SEE TI E PROMOTIONAL RJR3-IA SE SUMMARY SECTION ON 1115 STATEMENT FOR FUR11$i DETA LS. PAYMENT DUE BY 5 P M (ET) ON TI -E DUE DATE NOTICE We may convert your payment into an electronic debit. See reverse for details, Billing Flights hfornation and other i'rportant information. 7009 X5G 7 10 120210 PAGE 1 of 4 9294 0010 0001 01007009 Detach and nail this portion with your check Do not include any correspondence with your check. Account Number 089 TRAVIS W SMTH 175 WHISKEY RUN RD NEVNLLERA 17241-8601 wed e�ent a Pry eene9reest+t+* tt+ ++a $130.00 03/05/2012 $4,150.02 Payment Enclosed: Reese use blue or black ink • New address or email? Print changes on back. FTADDFAFFATTDFDDDDFAAAATTDAATTFDDDDFFATTTDDATDFFDFDFDADAFATTAFFTF Make Payment to: LOWES/GECIB P.O. BOX 530914 ATLANTA GA 30353-0914 DDA ADD AAFDFTTATTDFTFDFTDTDTFDATATFFAFTDFDDDTATDFDADFTAAFDA°CDADATD 089 Customer Service/Questions: For account Informatlon. please call Ihetoil free number on the front of this statement Unless your name Is listed an this statement, your access to information on the account maybe limited. You may also mail questhns (but not payments) to: P.O. Box 965004, Orlando, FL 32898.5004,Pleaselncludeyouraccount number on any correspondence you send to us. Payments: Send paymenis tothe address listed on theremit portion of this statement or pay anti ne. Notice: See below for your Billing Rights and other Important Information. Telephoning about billing errors wit not preserve your rights undertederal law. To preserve your rkehts, pleasewdtetoearthling Inquiries Address, P.O.8ox965003, Orlando, FL 32896.5003. Purchases, returns, and payments made just prior to biting date may not appear until next month's statement. When you provide a check as payment you euthortzeus either to use information from your check to make aone-timeeledronk fund transfer from your account arta process the payment as ac heck transaction. When we use information tram your check to make an electronic fund transfer, funds maybe withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. You may choose not to have your payment collected electronically by sending your payment (with thepayment stub), I n your own envelope—not the enclosed window envelope, addressed to: P.0.8ox 060097, Orlando, FL 32896.0097and nottho Payment Add roes. literal To Doll You Think You RndAMlstafa on YaurStaternent It you think there is an error on your statement, write to us at the Biting Inquiries Address of: GE Capital Retail Bank P.O. Bac 965033. *kande FL 32896-5003 In yaw letter, give us the tolivwhrg information: • Account irrforrrrae'on: Your nave ed aecaat nunbec • Dollar amount The dollar amount of bre suspected error. • Desabtbnof Prblem:Ifyouthhttheresanernxonyourbil.describe whalyoubelieve swrong and why youbeee eeisamistake. You must cultare us vdthh 03 days after the error appeared on you statement You must notify us of any pdinialerrors in wrdhng. You meycdi to, Wt It you do we are rot required to Investigate any ;dental errors and you may haveto payttreamounttr quedion. Wheewe invest -de whether a not than has been an error. the folWxing aretrue: • We cancel try to oiled the amount in quenien, or repel you as defmquent on thatamount • The charge in question may remain on your statement, and we may continue todrage you idemst an that amours. But, if we determine that we made a mistake, you wit rot have to pay the amount In question or any Interest urdherfees related to that amount • Whitayoudon othavetopaytheamoum in question, you areresponse:le Ax Iheremainder of you balance. • Wecanappyanyunpaidamount against youruedtlimi. Your Rights" You AneDlssailsfedWHbYourGrua Card Purchases If you are dssatis6edwith the goods orservicesthat you havepurdrased with you:c edit card, and you have tried In good faith to camel the problem nth the merchant, you may have the right not to Fey the remaining amain; dueonthe purchase. Tousettesright: Montle felewingmuslbetnre: 1. The purchase must two been made In you home state or wNrtu 100 rtdes of your current mailing address. and the purchase pine must have been more than 550. (Rote: Nodlerotttese areneoessaryil your purdese was based on en aTrtNsemeniwemailed toyer,, all wean Ire company Oat side youths goods a ran/ices) 2. You must have used your credit card for the purchase Purchases made with cash advances from an ATM or wits a check that accesses yurcreda cardaocountdomtquaify. 3. You must mol yet have fully paid for the ptechnse. If ori of the criteria above are met and you are still dissatisfied with the purdrase,cariadus N wnTmgal: GE Capital Retail Bink P.O. Box 965003, Orlando, FL 32896.5003 Whale we investigate. the same rules appy to the deputed amount as discussed above. Alter em finish our imesligatimr, we ail tea you our derision. At that point, if we think you owean amount ace you do not pay we may report you as delhquenl. hrformadon Abair Payments: You may at any Hme pap in whole or in part the total unpaid balance without any additional charge for prepayment Payments received after 5:00 RPA (ET) on any day wit be credited as ofthe met dee Credit toyourAccount may bedelayeduplathe days it paymert(a)Is not fetched at thePaymedAddress, (b) isrot made in US. dollars drawn on a U.S. financedlnsttutioe located In the U.S, (c)is not acmmparted by the remittance coupon aaached la yew statement (d) contains more than one peymerd orremittanue carpet, (e) is not received in the remittance erebpe provided a (t) encircles staples, paper clips, tape, a Med chedC or oorrespmdence of any type Conditional Payments: At ratan communications euros disputed amounts, heeding anycbxlc a other payment instrument that (i) indicates that the payment constitutes 'peymerd in hrlrorstendered ashOsaasfaclionot a dspudedamount: ar(i) is tendered wthother oonfltonsorlimitatons(0sputedPayments .rust be mailed orddr rmdtousatP.0.liac965003, Ortardo. FL 328 Credits To YourAccounl:Anamaxs shown in parerthessor preceded by a minus (-) sign to a credit or c edit blame unless otherwise Indicated. Credits We be applied to your previous bdarce immediately upon receipt buwitnot satsfyartyrequked paymenttles may bean. Credit Reports And Account Irdormaton: If you bete* that we have reported iia curate ire:malice etaul you to a consumermep sting agency geese= tad coat Po.8w96513C6, Orlando, FL 32896-5005. hiking so. please Meetly the Inacaxete inkrmalpn and tet us why you beaeve it Is 'mortal It you haus a ccry of the creel repel that In;Ndes the Yrecwmte Information, please Include a copy 51 that report, ht may report kdormetbn about your around to creeit bumaas. Lain payments, mksed payments, ce dherde3dts onyouraoc unt maybe anfededinysuraedt report. Balance Subject To interest Charge Calculation Method 2D (Daily Balance method): We route the interest charge on your account by applying the periodic rate to the 'dee). balance' of your ecuMrnt for each day in the billing cycle. We then add the interest to the daily balance. To get the"italy balance" we take the beginning balance of your account each day (which Includes unpaid Interest). add any new charges, and applicable fees, and subtract any payments or credits, This gives us the daily balance. Any dairy balance of less than zero wit be heated as zero. A separate dairy balance will be calculated for each balance type on your account. The balances) shown in the Interest Charges section of thisalatement is thesum of thedaly balances for each day in thebiti mgcycledwidedbythe numberot days Mew blithe; cycle, Method 2M (Average Daily Balance including current transactions): Wefigure the interest charge on your account by applying the periodic rate to the 'average dally balance" of your account To get the 'average duly balance" we take the beginning balance of your account each day, which includes any unpaid Interest charges from the previous billing cycle, add any new charges, and applicable lees end subtract any payments en codas. This gives us the daily balance. Then, we add up a8 the daily balances far the billing cycle and draft the total by the number of days In the Milling cycle. This gives us the "average daily balance; which is the balance shown In the Interest Charges section of the statement. Any average dally balance of less man zero wit helmeted as zero A separate average daily balance wit be cakutated for each balance type on your account. Method 3D (Daily Balance excluding current transactions): We figure the Interest charge on yaw account by applying the periodic rate to the "daily balance" of your account for each day In the tiling cycle. To get the "daily balance' we take the beginning balance of your exceed each day, add any interest and applicable fees and subtract any payments or credits. Wa do not add in any new charges. This gives us the daily balance. Any daily balance of yeas than zero will be treated as zero. The balance(s) shown In the interest Charges section of this statements the sum of the daily balances for each day n the titling cycle divided by the number of days In the biting cycle A separate dairy balance W0 be Cak elated for each balance type on you account. Method 5(Averagenaly Balance excluding currenthansacltone end unpaid Interest charges): We figure the Interest charge on your account by applying the periodic rate to the `average daily balance" of your account. To get me"average daily balance" we take the beginning balance of your accenteachday,addapplcable fees andsubtrecl any payments. credits and unpaid interest charges freer the previous Miring cycle. Werth not add in any new charges. This glees us the daily balance. Then. we add up at the daay balances kir the billing cycle and divide the total by the number of days In the billing cycle. This gives to the 'average daily balance," which Is the balance shown In tip Interest Charges section of thsslaterrrend. Any average dairy batenceof bass than zero will be treated as zero. A separate average dairy balance vita be catarlated for each balance type an yew account. Method 6(Average Dally Balance Including current transactions and excluding unpaid Interest chargee): We figure the interest charge on your acetum by applying the prnadic rate to the 'average daily balance' of your account To get the 'un emge daily balance' we lake the beginning balance of your account each day, add any new charges and apptcahle fees end subtract any payments, credits and unpaid interest charges hem the previous biting cycle. This gives us thedaly balance, Then, we add up all the daily balances for the billing mete and divide the ;dal by the number of days in the billing cycle. This glees us the "average daily balance,' which is the batence shown an the Interest Charges section of this statement. Any average daily basnceafless thence/oriel betreated es zero. A separate average duty balance will be calculated fa each balance type on your account. Bankruptcy Notice: If you file banicuptcy you must send us notice, inclueir gacoaN numterand alinbrmaacn related to the proceeding tothe fotom ing address GE Capital Reece Bank Attn: Bankruptcy Dept, PO..8ox 103104.Roswel,GA 30016. Your accourtisowned and serviced byoECapital Reef IBank. Neartngenpahed:Too userscaa 1-803-444-1732. 01CX7009 • 1 - 07/102011 This Is an attempt to collect a debt end any information obtained alt be used for that purpose. 'By providing telephone number on my account, I consent toGE Capital Retail Bank and any other owner or servicer of my account contacting me about my account, Including using any tooted Information or cell phone numbers I provide. and I consent to the use of my automatic telephonedaheg system andlaran artificial or perecnnded voice when contacting me, even if lam charged tarthecall under my phone plan. For changes of address, phone number and/or email, please check the box and print the changes below, Street Address CCiy SL Phoned Email Home Phone # Business Phone # 'Cel # or ether phone l we Erna' Address can use to contact you By providing your email address, you agree to receive email communications about your account and also ghee permission for to to share your email address to Lowe's. Valid 2/5/12 through 2/15/12 Major Appliances, Kitchen Cabinets & Countertops, or Flooring $599 minimum purchase required Otters cannot be combined. It your single -receipt Major Appliances. Kitchen Cabinets & Countertops, or Flooring purchase Is $599 or more, you will be asked to select the offer you would like. 'See reverse side for details. The terve that apply to your promotional purchase(s) are as follows: DEFT NT T: To avoid paying Accrued hterest Charges on a DEF3INTEREST promotion, you must pay at least your nininum payment due, if any, each month and the entire applicable Payoff Amount by the promotion Expiration Date. For each pronation, after a promotion ends or is terminated, non -promotional account terrrs w ill apply. To rreke more than one payment, you can pay online at the online address stated above or you can mail in your payment to the address on the remit stub. This address is also available from our automated customer service system Purchase Purchase Date Amount Promotion Type 05/29/2011 $1,482.94 Peg Deferred hterest/Wrth Pay Accrued Billed NTBEST INTRIEST Payoff Expiration CHARGES CHARGES Amount Date $257.90 $0.00 $1,149.46 12/13/2012 Tran Date Post Date 01/16 01/16 02/05 02/05 02/10 02/10 Reference Numbed hvoice Number 07072 STORE 22231O HANIISBURGPA Description of Transaction or Credit BASIC PLEA1H A IFI FLTB S LAB PST OT1-61 FES Oht.INEPYMrTHA MtYOU ALPHARETTA GA FEES TOTAL FSS FOR THS PERIOD INfEEST CHARGED t4TERMTCHARGEONPURC1HASES TOTAL INTEREST FOR THS PEIIOD idiiabitilekia4siraer' Total Fees Charged in 2012 $0.00 Total Interest Charged in 2012 $121.09 Total Interest Paid in 2012 $57.98 Amount $7.79 ($132.00) $0.00 $57.30 $57.30 ,iAS .8. .8 .t'' .+:5•ti'r-hh, Your Annual Percentage Rate (APF) is the annual interest rate on your account. Type of Balance Current Transactions Regular Purchases Reg Deferred hterestANNt Pay Transactions on or before 11/28/2010 Regular Purchases Expiration Annual Balance Subject Interest Balance Date Percentage Rate To hterest Rate Charge Method NA 24.99% $2,343.67 $44.94 2D 12/13/2012 24.99% $1,422.43 $0.00 2D NA 22.99% $701.23 $12.36 2D ekeoserrt Please see the Important Changes To Your Account Terms section for any changes being made to your account that are not described In this section. INFORMATION ABOUT CERTAIN PROVISIONS OF THE ENCLOSED LOWES CRIT CAR) ACCOUNT AGREEMENT Rease carefully review the enclosed Lowe's credit card account agreement t is an important legal document and should be kept for future reference. The enclosed agreement has been simplified to make it easier to understand. It also reflects GE bbney Bank's name change as of October 1, 2011 to GE Capital Retail Bank. The key differences between your existing agreement and the enclosed agreement are summarized in the bullet points below (although some or all of these may already apply to your account) and, if applicable, in the "Important Changes to Your Account Terms -section of this billing statement. There are additional differences in terminology from your existing agreement; how ever, any rates and fees applicable to your account not revised In the "hportam Changes to Your Account Terms" section of this billing staterrent, such as your minimum interest charge, are not being changed at this time. (Continued on next page) 7009 X5G 7 10 120210 PAGE 2 of 4 9294 0010 5001 01CX7009 Special financing and 5% Off discount offers cannot beccenbined, If yore single -receipt purchase is overtly minimum purchase required, you will be asked b select the offer you would like. 1% Off Your Lowe's' Censnmer Credit Card Purchase: Get 5% off your sIngle-receipt purchase of any in -stock or Special Order merchandise charged le your Lowe's, Consumer Credit Card, Offer is not valid on previous sales, purchase of services, gift cards or Decor*, DCS, Electrolux or Esher & Politer appliances. Offer cannot he used in conjunction with any coupon, Lowe's military discards, Lowe's employee viscounts, or Lowe's low price gunner. "No Interest if Paid in Full wilfrii 18 Momhs.Offer apples to siogle.recept Major Appliances, Kitchen Cabinets & Cototestapo, or Homing purchase of $699 or more made 2/5/2812 through 2/15/2012 an your Lowe's. Consumer Credi Card, Interest wit be charged to your account from the purchase date V the promotional purchase is not paid in full within 18 months. Minimum monthly payments muted Cannot be combined with other credit related promotional offers. kb Interest will be assessed an the promotional purchase If you pay the promotional punctuate In fed within 18 months. B you do not, interest wtl be assessed on the promotional purchase from the data of the purchase. Some oral of the ndntmm payment based on the promotional balance may be applied to other account balances. Regular account terns apply to nonpromotional purchases and, after promotion ends, to promotional purchases. for new accounts: Standard APR is 24.99%. Minim= interest large is 81.00. Existing cardholders should see their creditcard agreement fa their applicable terms. Offers are subject to credit approval Excludes Lowe's'°' Business CredUscounts, Lowe's, Project Card" Accounts, all Lowe's° VSA Accounts, and towe's° Canada Credit Accords We reserve the right to discontinue oration the Cerins of these offers at any time. *2012 by Lowe's Companies, Inc. Lowe's and the gable design are registered trademarks of LF, LLC, Alt rights reserved. The Project Card" is a registered service mark of Gemmel Electric Company. fInapie tire4tweerit;Nonnieioialionirrwdi The enclosed agreement w it appy to your account imrediatey, except for any changes show n in the "Important Changes to Your Account Terns" section of this billing statement. Those changes w ill take effect on the dates as indicated. If you reject any changes shown in the "Important Changes to Your Account Terns" section of this biting staterrent, the enclosed agreement w ill still apply to your account immediately and w ill replace your existing agreement, but the terns you reject w ill not apply. RESOLVING A DISPUTE WITH ARBITRATION. This provision supersedes any arbitration provision in your existing agreement. You have the right to reject this new provision, in which event neither you nor we w ill have the right to requre arbitration of any claim. See the Resolving A Dispute With Arbitration terns in Section W of the enclosed agreement. CONSENT TOCOtvMJNICATIOr'S. This provision allows us to contact you using all channels of communication. See the Consent Tn rnrrm rnratinnc terms in Section III of the enclosed agreement. GOV BlNNG LAW. This provision explains that your account will be governed by federal law and, to the extent state law applies, the law s of Utah without regard to its conflicts of law principles. t supersedes any governing law provision in your existing agreement. See the Governing I aw terns in Section Mot the enclosed agreement. You may be offered one of the following promotions w hen you make a qualifying Lowe's credit card purchase: No Interest if Paid in Full w Chin 6, 12, 18 or 24 months. Under each promotion, no interest w ill be assessed on the purchase if you pay the promotional purchase in full w ithin the applicable proem period. I you do not, interest w ill be 'rrposed on the purchase from the date of purchase at a rate of 24.99%. Mninum monthly payments required. Offers subject to credit approval. Offers not available at at times for all purchases. Offer dates and other terns w ill be disclosed in promotional advertising. Regular account terms apply to iron -promo purchases and, after promotion ends, to promo purchases. Cannot be combined with other credit related promotional offers. You may be offered one of the following promotions w hen you make a qualifying Low e's credit card purchase: Pb interest for 24 or 36 months. Under each promotion, no interest w ill be assessed on the purchase until the end of the promo period. After the promo period, a rate of 24.99%w it apply. During the prone period a unique monthly payment w it be required equal to at least 4.1667% of your initial promo purchase amount for 24 month promotions, or 2.7778% of such amount for 36 month promotions. Offers subject to credit approval Offers not available at all tines for all purchases. Offer dates and other terms w ill be disclosed in promotional advertising. Regular account terms apply to non-prorro purchases and, after promotion ends, to promo purchases. If your account has a deferred interest promotion and you w ould like us to apply a payment on your account in a different way, please cat Customer Service to discuss other options that nay be available. Now you can recycle rechargeable batteries, plastic bags and CFLs at your local Lowe's. Sinpy drop the items in the bins near the store's entrance. Sign up to receive email from Low e's te Credit Services about special offers, new s updates and more. Go to www. low es.com'creditenail today to start receiving offers. Reese Note: When contacting the Lowe's Credit Center, you crust be listed as an account owner to obtain information about the account. We cannot disclose information to authorized users or third parties. Monitor your account 24/7. Enroll in free eServicing at www .low escredit.com and take advantage of the easy way to: view recent transactions, check your balance, update personal information and much mare. Mbving? Visit Low esmpving.com for tools, tips and valuable offers to make your move easier. Don't get caught by an email scam.Occasionaly, criminals send errails that look Ince they're from a retailer, bank or other financial institution. This scam is called phishing. Finishing ernaits can look almost identical to real emacs from GE Capital Retail Bank. The atolls try to trick people into revealing credit card or bank account numbers. Taking these four steps can protect you from fraud and Identity theft) Never respond to an email with your account or social security number. 2) Upgrade to the latest Internet browsers and use anti-virus and ami-spyware software. 3) Know your account status. Don't be fooled by false claims that it is in jeopardy. 4) Remember, GE Capital Retail Bank emails regarding your account w ill always display the last four digits of your account number and never ask for confidential information. 7009 X5G 1 7 10 120210 PAGE 3 of 4 9294 0010 x001 01CX7009 gsntantreharme$1.,Msnr•Ae The following is a summary of changes that are being made to your account terms. These changes are being made to realign pricing in light of the Credit CARD Act of 2009. Unless otherwise noted, these changes will take effect on 05/13/12. APR changes, if any, will take effect on the day after 05/13/12. You have the right to reject changes, other than any changes to the APR or Minimum Payment. However, if you do reject the changes (that you are allowed to reject) you will not be able to use your account for new transactions. You can reject these changes by calling us at 1-866-466-0007. For information about the changes being made to your account, please see the Cardholder News and Information section of this billing statement and the enclosed Lowe's credit card account agreement which will replace your existing agreement. Minimum Payment: We are increasing the total minimum payment on your account. Your total minimum payment will be the sum of: A. The greater of: (1) $25 (which includes any past due amounts) or (2) the sum of the following amounts, rounded up to the next highest whole dollar: (a) any past due amounts; PLUS (b) 1% of your new balance (excluding any balance due in connection with a special promotional purchase with a unique calculation) shown on your billing statement; PLUS (c) any late payment fees charged in the current billing cycle; PLUS (d) all interest charged in the current billing cycle; PLUS (e) any payment due in connection with a special promotional purchase with a unique payment calculation; PLUS B. The monthly charges for any optional credit insurance or debt cancellation product you have elected to purchase for your account. In addition, if applicable, we are eliminating the Big Buy Plan feature and the special minimum payment applicable to such purchases. See the Minimi im Payrmnt raiciliarion terms in Section II of the enclosed agreement for how your total minimum payment will be calculated. 7009 X5G 7 10 120210 PAGE 4 of 4 9294 0010 5001 01CX7009 USE YOUR LOWE'S CONSUMER 1CREU i CARD AND Make the mink num pvr':ase Got respired ardchoce✓P 5% OFF I SPECIAL EVERY DAY a•' FINANCING" Special Rnancirg and 5%discount cannot be combined.If your si4a-reoeipt purchase is over the minimum purchase required you will be asked to select the offer you would lite. *5% Off Nix Lewes° Consumer Credit pard Nrdroec Get 5% on year singe -receipt In-store a online paclese of any In -sleek or Special Cider rrerdnardse charged to your Lowe's° Consumer Credit Card0fieris notvaild on previous sales, prrdase of savices,gifl cards or Decor'', DCS, &drak ( ce Adler d Paykei'appliances.Offer =mite used In oa:Jtinctlm withers/ awpen, t,owek irMtary discourm,1cwe's empoyee &camas, or Loam's he price guarantee." Special Financing Offer.See sere essoti& trerect trnmehan dismsires it -stare aniline for detain on lieSperial flnaming Ofler avaiette Men you make yuapuctrase.Olen are subject Maedi approval, Excludes Lesvor Business CredhAccants,Lowe's" Project Card°1Aovornt6,all Lorre'eea tree* Accounts, and Lowe's* Canada pedtAtcounts. We reserve the rqM to a sconilue a ahsi the [arcs of these Biers at any ire_ 02011 by Lew, commas, Irc. lowel ardtregabra dasgn are negsered tradavatki or LF,LLC.NI fights waned Lowe's® Credit Card Account TRAM 6 W SM11-I Account finder 444141441414 44444 44444 Revious Balance - Payments - Other Credits + Purchases/Debits + Fees Charged + Interest Charged $4,150.02 $130.00 $0.00 $550.24 $0.00 $76.88 New Balance $4,647.14 Credit Limit $5,300.00 Available Credit $652.00 Statement Closing Date 03/13/2012 Days in Billing Cycle 32 9 Visit us at www.lowes.com/credb Customer Service: 1-800-444-1408 'New Balance $4,647.14 Total MnirrumPaynent Due $146.00 Payment Due Date 04/05/2012 Late Payment Warning:l we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35.00. Minimum Payment Warning: If you rake only the minimum payment each period, you will pay mare in interest and it w ill take you longer to pay off♦+your balance. M4; tFor i *exxa*nrplee: �y 4411 Y+ tet+f.kx.+r+t F+• t•+• +7i+i •*ItIttl tth.*.#+rt4+++f+t+++r •t +•+ti i+4v4°4r*+P# -- ry: . Only the minimum payment 22 years $14,004.00 $196.00 3 years $7,042.00 (Savings = $6,962.00) If you would lke information about credit counseling service; call 1-877-302-8775. rtattfinight YOU HAVE A DE&lR) INTEREST PROMOTION(S) EXRRNG ON 12/13/12. YOU MUST PAY EACH DEB MEREST FROlOTlONAL BALANCE N FULL BY ITS EXPIRATION DATE TOAVOID PAYING ACCRUED INTBIEST CHARGES. PLEASE SEETFE PROMOTIONAL PURCHASE SULTAA RY SECTION ON THS STATEMENT FOR RJR11-131 DETA LS. PAYMENT DUE BY 5 P.M (ED ON TPE DUE DATE NOTICE We nay convert your payment into an electronic debit. See reverse for details, Billing Flights Int orrration and other irportant information. 7009 x5G 7 50 120313 PAGE 1 of 3 9294 0010 S001 010%7009 Detach and nail this portion with your check Co not include any correspondence with your check. TRAVIS W SMTH 175 WHISKEY RUN RD PENNLLEPA 17241-8601 Account Number X08 9 $146.00 *eh Mirherrlr'FRevnri•rN+ tP rleere9reCete+ fit - . 04/05/2012 - - - - - +++++ $4,647.14 t+1 Payment Enclosed: cb Please use blue or black ink • New address or email? Rint changes on back. FFDTATDFD FFFFATDFTDTADTFDTFD ADTAD DAA FFFFDFADTF 1 rrDTTFDAFTFFATTTAT Make Payment to: LOWES/CO'1B P.O. BOX 530914 FDAATTADDFFTAAAFDFDAFFDFADDDTTDATTFAAFDAFDTTDDDTDFFDAATTDDDbGAF DTTD 0914 CustomerServloelQuestfone: For accountinformatlon. pleasecail the loll tree number on the front of this statement Unless your name is listed on this astern ent, your access to information on the account may be limited. You may also mall questions (tut not payments) to: P.O. Box 965004, Orlando, FL32896.5004. Please include youracoount number on any correspondence yousend to us. Payments: Sendpayments to the addresslisted Gene remit portion of this statement a pay online. Notice: See below for your (Ming Rights and other important inkxmauon. Telephoning about titling errors ma not preserve yaw rights under federal law. To preserveyour rights, please wdtetoour Biulna inquiries Address, P.O. Bac 965003, Orlando, FL32895-5003. Purchases, returns, and payments made just prior to billing date may not appear until next month's statement. When you provide a check as payment. you euthorizeus ether louse information from your checklomake aone-Uma electronic fund transfer from youraccount arta processihe payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds maybe withdrawn horn your account as noun as the same day we receive your payment end you will not receive your check back from your financial Institution. You may choose not to have your payment collected electronically by sending your payment (with the payment stub), to your own envelope—not the enclosed windowenvotope, addressed to: P.O. Box 960097, Orlando, FL 32886-0007 and notthe Payment Address. What to Doff You Think You Find AMfislakoOn YourSfatanonf It you think mere is an error on your statement, wrkelo us at the Bung mgtdriesAddressor GE Caput Retail Bank PO. Bair 965003, Orlando, FL 328965003 In yam letter,, give us the farming Information: • Account Intenrratio'r Your name and amour( rernbec • Dadar amount The dollar amount cf the suspected encr. • DesaptbndPrc Iem:IfyouIhhklheeelsanerroronyaubitdescrte whatyoubelieveiswrong ani why youbdiie a visa mbtahe. You must anted us within CO days after the error appeared on you statenem. You must notiy hu of any pdentiaterrors in etbsg. You maycd3 as. bull you do aware rob required to Investigate any potential errors and you may hevetopaytheamouintiquestien. Was invesltgate whether a not thane has been an error. theloibwfng arena: • 4Ye educt try to caeca the amount In question. or report you as dd'mquemonthalamourx. - The chane in question may remain on your statement, and we may continue tachageyou Wrestas that aloud. But. if we deterndnethat we made a mistake, you will not hate to pay the amount In question a any Interest crew tees related to that anroum. • Whaayeudonothavetopaytheamount iqueslnn,youarerespons(te fa the remaadat of you balance. • Wecanapptyanyunpaidanountag tssiyxuraedllimt. YourRights g You AteDfssatistiedWith YourCredil Gad Purchases 11 you ere dssalistled with the goods or services that youhake purchased trill youraedt card, and you hauettled in good faith located the problem watt the merchant, you may have the right not to pay the remaierg amount due cnthe purchase, TotaethisrlghLalofRedraw/Mg mustbetrue: i. The purchase must have been made in you home state or within 100 maks d your current mailing address• and the purchase ace neat have been more than $SW. (Note: Neither 01 these are necessary if your purchase was based on an adverdoemedweMailed toys, or if mown the company that s dd you the goods a services.) 2. You must have used your credit card for the purchase:Pwdtasasmade wih cash advances frau an ATM or with a check that accesses your credit amd account do not gaUfy, 3. You must not yet have any paid for the purchase. If al of the criteria abase are met and you are still dissatisfied with the purchase, cadad us fn wn7mgat GE Capital Retail Bank P.O. Our 965003, Orlando, FL 32896-5003 While we investigate, the same rules apply to the deputed amount as discussed above. After we finish our investigation, we wit tell you our dedsbn. !v that point If we thlnkyouowe an amount andyoudo not pay are may regal you as dot hquem. information About Payments: You may at any timopay; to whole or in part, the total unpaid balance without any additional charge for prepayment Payments received after 5:03 PM (ET) on any day wit be credited asofthe net day. Credit loyour Acmurtmaybedelayeduptolive days ifpayment(a)isnotreoekedatthePaymertAddr ,(D)isrdmadein U.S. dollars drawn ono U.S financial ketluion located M the U.S , (c) is ad aceomparted by the remittance coupon attached to your statement, (d) contains more than onepoprrnmlorremtlasseceupon,(e) 'a 551 received in the remittance evebpe provided or (6 includes staples, paper capstan a filled check, or correspondence of any type. pa/Winner Payments: An mitten communications concerning deputed amounts, balding any deck crew payment instrument Nat: (i) ildcetes that the pawned constitutes 'paymedin lurk' a istendered as hdsatsfaclnnof a dhpuedamowd:ar(in Istendered will othercow/Pena Initatbns('OisaredPaymems"),must be mailed order/Keel to us at P.O. Ba a 965003, Orlando, FL 328065003. Credits To YourAccormy:An amour( shown inpaerdhesisor preceded by a mints (-) sign 13 a credit or credit balance unless otherwise indicated. Credits ea be applied to your previous Wares Mtmediately upon recebt bur coda ret sdisy any required payment that may be due. Credit Reports And Account Information: If you behere that we have reported neonate in(amanon shoal you to a oasumeracporti g agency desecrated usalP0 co965066, Orlando, FL 32896-5005. Mains so please kreiiy the Inmate Mhmaaen end tel us My yer bdlew k is Mocrred. If you have a cap/ of the credo report that instates the haaurate Information, Meese include a cop/ of that report, We may report Mfamatbn about your axant to credit bureau. Lae payments, missed peymsents, a oirerdeelts onyawaxaru maybe recededIn yourasdt!!port. Balance SubjectTo Interest Charge Calculation Method 2D (Daily Balance method): N41 figure the interest chap on your account by applying the periodic rate to the 'daily balance" of your account for each day In the billing cycle. We then add the interest to the day balance. Toget the"delty balance" we lake the beginning balance of your account each day (which Includes unpaid Interest), add any new charges, and applicable tees, and subtract any payments or crafts, This gives us the daily balance. Any daily balance of less than zero MI be treated as zero. A separate daily balance all be calculated for each balance type on your account. The balance(s) shown in the Interest Charges section of thlsstatemeet is Uesamof thedeiy balances breach day In the billing cyctedwidedbythe number of days in the biting cycle. Method 2M (Average Daily Balance Including currant transactions): We figure the interest charge on your account by applying the pedodic rate to the 'average daily balance" of your account To get the average daily balance" we take the beginning balance of your amount each day, which includes any unpaid Interest charges from the previous billing cycle. add any new charges, end applicable tees and subtract any payments a edas. This gives us the daily balance. Then, we add up al the dairy balances for the begng cycle and dndde the total by the number of days in the bang cycle. This gives us the 'average daily balance" which Is the balance shown in the Interest Charges sedion of this statement. Any average dairy balance of less than zero will be treated as zero. A separate average dairy balance held be calculated for each balance type on your account. Method 3D (Daffy Balance excluding current transactions): We figure the Interest charge en your accawt by applying the periodic rate to the "daily balance" of your account for eachday in the billing cycle. To get the 'dairy balance' we tate the bagirmdng balance of your accorad each day, add any interest and applicable fees and subtractary payments a credits. We do not add in any nee charges. This gives us the daily balance. Ary daily balance of less than zero yell be treated as zero. The bakece(s) shown M the Interest Champs sedition of sin statement is the sum of the daily balances hr each day in the tang cycle divided by the number of days M the billing cycle. A separate dairy balance veil be calculated for each batanoe type on your account. Idethod 8 (Average Daily Balance excluding current transactions and unpaid interest charges): We figure the interest charge on your account by applying the periodic rate to the'average daily balance" of your To gal the averagedaily balanee" wetake the beginning balance of your account eachdayadd al:abatefee andsubimdany peymems, credos and unpaid interest charges frau the previous Nang cycle. We do not add Many new charges. This gives us the dairy balance Thn. weed up all the dairy balances for the billing cycle and divide the total by the number of days In the billing cycle. This gives is the 'average dairy balance," which is the balance shown in the interest Charges section of this statement Any average daily balanced less than zero will be treated as zero. A separate average daily balance will be calculated for each balance type on you account. Method 8 (Average Daily Balance including suttee transactions and excluding unpaid interest charges): We figure to interest charge on your account byapplying the periodic rate tothe 'average daily baterme'of yolk account. To gel the 'average dally balance` we take the beginning balance of your amain! nl each day. add any new charges and applicable fees end sutdrad any payments, credits and unpaid Interest charges from the previous blitirg cycle. This glees us the daily balance. Then, we add up an the dairy balances for the biding cycle and divide the total by the number od days in the bang cycle. This gives us the 'average day balance,' which is the balance shown in the Interest Charges section of this statement. Ary average daily balance of Mss thanzeromilbotreated as zero. A separate average dairy balance wort be calculated fa each balance type on your ecoc un t. Bankruptcy Notice: If you file basknuptcy you must send us notice, Including acowrstnanbaandalinbnmadon related totnpmceedingloam blaring address: GE Capital Reid Bank, Ann: Bannptcy Dept., P.O. Bar 503104, Ro eve i, GA 30076. Yoaaccouet is owned and serviced by OE Capital Ma Bank. Nearbtglmpa reaTDDuserscan 1-800444-1732. 01CX7009.1 •07/11/2011 This is an attempt to coned a debt and any Information obtained all be used for that propose. 'By providing atelepihone numberon my armed, I consent to GE Capital Retail Bank and any other owners servicer of my account contacting meabai my account, including using any contact Information or cell phone numbers I provide. and I consent to the use of my automatic telephone dialing system ante: ranartfida(aprerecoNad voce when contacting me, mull lam charged forthecall under myphone plan. For changes of address. phone number and/or email, please check the box and print the changes below, Street ElAddress City St Zip Phone 0 Etnal Nome Phones BusinessPhxep 'Cel Poe direrphone hwe Email Address can use to contact you By providing your email address, you agree to receive email communications about your account and also give permission fats to share your email address to Lama's. Managing your home has never been so simple. Get inspired. b,t °marked. Get answers. tvlyLowe's is an innovative new online toot that makes managing, maintaining and improving your home simpler than it's ever been. mytowes. Remember to scan every time you swipe. See bask* detaiis. VIRMOrgenTHOM The terns that apply to your promotional purchase(s) are as follow s: DEFBRFED INTEREST: To avoid paying Accrued hterest Charges on a DEFT !MEREST prorrotion, you must pay at least your minimum payment due, f any, each month and the entire applicable Payoff Amount by the prorrotion Expiration Date. For each promotion, after a promotion ends or is terminated, non -promotional account terms wit apply. To make more than one paytrent, you can pay online at the online address stated above or you can mail in your payrrent to the address on the resit stub. This address is also available from our automated custorrer service system Rirchase Purchase Date Amount Promotion Type 05/29/2011 $1,482.94 Rag Deferred hterestNYth Pay Accrued Billed INTEREST INTEREST Payoff Expiration a -WAGES CHARGES Amount Date $288.84 $0.00 $1,113.46 12/13/2012 Tran Date Past Date 02/11 02/11 Reference Number/ Invoice Number 83987 STORE 2816 SHIFPBrSBl1RG PA Description of Transaction or Credit Annum $536.67 MAYTAG TL TRAD WASH31 EPP MAJOR APPLIANCES SNGLE SERVE COFFEE K -CUPS SNGLE SERVE COFFEE K -CUES LAB NST OTHER FEES 02/15 02/15 10951 STORE2816 SHPPB'SBURG PA $13.57 -, MAGAZINES FLUvBING-RF - FLEXIBLE FW NGS FIFE SUFFORr & CLAWS P8ESUPPORr & CLAMPS LAB NST OTHER FEES 03/05 03/05 MUNE PYMTTHANK YOU ALPHARETTA GA ($130.00) FES TOTAL FEES FOR THS PERIOD $0.00 INTEREST CHARGED 03/13 03/13 INTEREST a-tAAGE ONPURCHASES $76.88 TOTAL INTEREST FOR THS PERIOD $76.88 ligtrifttlyttlIttlati++++ +++++ Total Fees Charged in 2012 Total hterest Charged in 2012 Total hterest Paid in 2012 $0.00 $197.97 $76.30 444 Olaf9 'irl1�WP+ Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Current Transactions Regular Purchases Reg Deferred hterest/With Pay Transactions on or before 11/28/2010 Regular Purchases Expiration Annual Balance Subject Interest Balance Date Percentage Rate To hterest Rate Charge Method NA 24.99% $2,920.41 $63.99 2D 12/13/2012 24.99% $1,412.24 $0.00 21) NA 22.99% $639.52 $12.89 2D You may be offered one of the following promotions w hen you make a qualifying Low e's credit card purchase: No Interest if Paid in Full w Rhin 6, 12, 18 or 24 months. Under each promotion, no interest w ill be assessed on the purchase if you pay the promotional purchase in full w ithh the applicable promo period. If you do not, interest w be imposed on the purchase from the date of purchase at a rate of 24.99%. Mnirrum rmnthy payments required. Offers subject to credit approval Offers not available at al tures for all purchases. Offer dates and other terms w is be disclosed in promotional advertising. Ragular account terms apply to non -promo purchases and, after promotion ends, to promo purchases. Cannot be combined with other credit related promotional offers. (Continued on next page) 7009 X50 1 7 10 120313 PAGE 2 of 3 9294 0010 5001 01017009 Remember to scan every time you swipe. Simply apply the Myl...owe"s sticker to the back of your Lowe's. Consumer Credit Card. Just be careful not to cover your signature or card numbers. Then every time you use your credit card, your MyLowe's account code wilt be right there for you. ^*�wbn wCW C 2011 Lowe's Companies, Inc. Al rights reserved. Lawes, the gable design, and Mylowe s are trademarks of LE LIG. All are used with permission. IfIeptecein ieeBHiiit%e111tNiW{QoPirvuotN+ You may be oftered one of the following promotions w hen you make a qualifying Lowe's credit card purchase: No hterest for 24 or 36 months. Under each proration, no interest will be assessed on the purchase unti the end of the protro period. After the promo period, a rate of 24.99% w i0 apply. During the promo period a unique rronthly payment w ill be required equal to at least 4.1667% of your initial promo purchase amount for 24 month promotions, or 2.7778% of such amount for 36 month proration. Offers subject to credit approval. Offers not available at all tires f or all purchases. Offer dates and other terms w ill be disclosed in promotional advertising. Regular account terms apply to non -promo purchases and, after promotion ends, to promo purchases. Pease Note: Enclosed is the Privacy Fbl'icy for this account. Reese take a moment to read it, then keep it with other financial documents. V you have previously opted -out, you do not need to do so again. t your account has a deferred interest promotion and you would like us to apply a payment on your account in a different way, please cat Customer Service to discuss other options that may be available. Now you can recycle rechargeable batteries, plastic bags and CFLs at your local Lowes. Simply drop the items in the bins near the store's entrance. Sign up to receive email from Lowe's ® Credit Services about special offers, news updates and more. Go to www .low es.com'credtemaii today to start receiving offers. Please Note: When contacting the Lowe's Credit Canter, you trust be listed as an account owner to obtain information about the account. We cannot disclose irtfomration to authorized users or third parties. Monitor your account 2417. Enroll in free eServicing at www.bwescredt.com and take advantage of the easy way to: view recent transactions, check your balance, update personal information and reach more. tubving? Visit Low esmoving.com for tools, tips and valuable offers to make your neve easier. Don't get caught by an email scam.Occasionaly, criminals send emits that look like they're from a retailer, bank or other financial institution. This scam is called phishing. Fhishing emails can look almost identical to real emo's fromGECapkal Retail Bank The enable try to trick people into revealing credit card or bank account numbers. Taking these four steps can protect you from fraud and identity theft) Never respond to an email with your account or social security number. 2) Upgrade to the latest Internet brow sers and use anti-virus and anti-spyw are softw are. 3) Know your account status. Don't be fooled by false claims that it is in jeopardy. 4) Rerromber, GE Capital Retail Bankemails regarding your account w ill always display the last four digits of your account nunber and never ask for confidential information. 7009 X5G 7 10 120313 PAGE 3 of 3 9294 0010 5001 o1CX7009 USD YOUR LOWE'S: CONSUME CREDIT CARD AND 570 FF EVERY DAY Mance the r:.il'Grurn purchase recpor sd snd cheese SPECIAL Special Financing and 5%discount carnet be combined. If your stole -receipt purchase is over the minimum purchase required. you will be asked to select the offer you would Me. '5% Off Your Lower Consume Credit Cord Purdrraee: Get 5% off your sings -receipt in -corm a online purchase of any in -stock a Special Order menirarrdsechalged to your Lowe's' Consumer Credit Card Offer isnot valid on previous sales, terchaseof scMces,gim cards or Oaca°, OCS,13mtroka a Fisher $PaylcePapplier es.OffercametbeusedInoairnetmidthringmu on,LoNe';miulydlxaunts,Lowe'sempbyee&counts,ortowe'slre price guarantee." Special Fiercely Offer. See ukSee slateasnodebomidpromotiondiscbsuesn-StoraoronfnefadetailsonIeSpecialRmrcingOtleravaiatth wienynumakeyvupuchase.OffersaresubjBbcendtapprordl.ExclutiosLowe Business Creditneoorns,towe'e"Pled Care/Va nt,eyLowee' Visa" Accounts, and Lower Canada Ce tAccounts.tfe reserve Ire right to cfecontinre or also the terms of Mese odes at any lime. 02011 bytewe5° °Impedes, Ire. LLwe5and Ine gable design are reyaseree naawnains or LF., Llc.oe fights reserved Lowe's° Credit TRAVIS W SM11-i Card Account Account Nunber 089 Previous Balance $4,647.14 - Payments $0.00 - Other Credits $0.00 + Purchases/Debits $0.00 + Fees Charged $35.00 + Interest Charged $72.51 New Balance $4,754.65 Credit Lina $5,300.00 Available Credit $545.00 Statement Closing Date 04/12/2012 Days in Billing Cycle 30 Visit us at www.lowes.comrcredit Customer Service: 1-800-444-1408 : New Balance $4,754.65 Arrourn Past Due $146.00 Total Mnirrum Payr rent Due $295.00 Payrrent Due Date 05/05/2012 Late Payment Warning:If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35.00. Minimum Payment Warning: L you peke only the minimum payment each period, you w ill pay more in interest and it w ill take you longer to pay off your balance. For exarrple: • 7f+}lit +!+i+�tti t 4lafi+�P i i+i i �i++4 „$t+i+t+t+t+t+t. ii iiii,�ii Only the nininum 22 $14,100.00 payment years L you would like information about credit counseling services, call 1-877-302-8775. YOU HAVE A DARED INTEREST PROMOTION(S)EXPIRING ON 12/13/12. YOU MUST PAY EACH DEFT NT13R6T PROMOTIONAL BALANCE N FULL BY ITS EXPIRATON DATE TO AVOU PAYING ACCRUED INTEREST CHARGES. PLEASE SEETIE PROMOTIONAL PURCHASE SUMMARY SECTION ON THS STATEMENT FOR FUR11-Illi DETA LS. PAYM3VTDUE BY5PM(EZ)ONTFEDk, DATE NOTICE We may convert your payment into an electronic debit. See reverse for details, Billing Bights Information and other important information. 7009 X5G 7 10 120412 DPAGE 1 of 5 9294 0010 s001 01107009 Detach and mad this portion with your check Co not include any correspondence w ilia your check. — Account Number: 08 9 TRAVIS W SMTH 175 WHISKEY FUN RD NEVW L.LE PA 17241-8601 ioiaFMinirnrnt +t +t +fes 05/05/2012 $295.00 ++tlN,Ioisit+++ 4+i i+i $146.00 t++ $4,754.65 +t1 Payrrent Endised: (t+ Reese use blue or black ink YTS • New address or email? Rini changes on back. DDAFFFTAAFA DTTATTAFDDTTAAADTDFFFTAFDTA FTFA FAD TM t t rrADATADAADDDDT Make Payment to: LOWES/GECRB P.O. BOX 530914 ATLANTA, GA 30353-0914 TTA l'F It ATADTADDFTTDDADFFTADDDDTDDADTDTAATAATDTFTTTDDFDADTA FAA FADA 111111111111111111 9111 Customer Servicece /Quest/ons: For accotmlinformalbe please call the toll free number on the front of this statem ent. Unless your name is listed on this statem eat, your access to information on the account may be limited. You may also mail questions (but not payments) to: P.O. Box 965004, Orlando, FL 32896.6004. Please include youracoount'lumber onany correspondenceyou send tous. Payments: Send payments lathe address listed ontheremllpaten of thtsstatement apay adne. Notice: See betas for your Billing Rights and other important information. Telephoning abed billing errors mil not preserve you fights under federal law. To preserveyour rights, pleasewdtetocurtailing Inquiries Address, P..O.8az965003, Orlando, FL 32896.5003. Purchases, returns, and payments made just prior to billing date may not appear until next month's statement. When you provide a check as payment, you euthorizeus ether louseinformation from yourchecklamaims one-time electronic fund transfer from youraccount arta process the payment as a check transaction. When we use information tram your check to make an electronic fund transfer. funds maybe withdrawn tram your account as coon as the same day we receive your payment, and you will not receive your check back from your financial Institution. You may choose not to have your payment collected electronically by sending your payment (with the payment stub), In your own envelope—not the enclosed window envelope, addressed to: P.O.800 960097, Orlando, FL 32896-0097 and not the Payment Address. What ToDoll You ThinkYouFndAMktako On YourSlatwnam If you mink there is an error an your statement. write to us al the Biorg Inquiries Address of GE Capital Retail Bank P.O. Bac 065CO3, Orlando, FL 328965003 In your least glee us the tdlmrrg intonation: • ACOountinformab'on: Your sane and adaut nutter • Dater amount' The ddlar amount of the surpeded error. • Ctesatotbnd Pattern: if youthhkthere is an erraonycurbtl,desatbe whatyw befevekwrong andwhyyou hd'reae it isa mistake. You must coiled us *this 63 days after the error appeared an you statement. You must notiy as of arty potential errors in Wing. You may calls, but If you do we are rot waked to investigate any potential ands and you may hoveto paytheameantin quedion. While we Invest -ale whether or not there has been Emmett/se following creme: • We cared try to cased the amount In p.ieaton, or repot you as delinquent on thatamoun. • The charge in question may remain on your statement, and we may continue to charge you barestas thatamant. But if we determine that we made a mistake, you will rot have to pay the amount In question a any interest oral herfees related to that amount. • Whitnyoudonothavetopay theanwumbquestbn,youareresponsible for the remainder etyoubaldnce. • OYecanappyaryunpaidanrwntap6stymuraodtlimt. Your/bightstlYouAreDfasaflsfedWith Yourt a aCardPwchases If you eredasats0ed with the goods aaervt es that youhse purchased with your credit card, end you have ted In good faith to correct the pobtem with the merchant, you may !ovate Op not to pay the remaewg amount due cease purchase. To use lbds right, a I of the fdlowirg must be true: 1. The purchase neat bare been made thyme home state or within 100 rotes of year current mag'ng address. and the purchase price must here been mare than 550. (Note: Nedherd thesearenecessaryif your purchase was based on an advertiseemerawemalted toyau, ail he own the company Curt sdd you the goods a services,) 2. You must have usedyourcredit card for the purdaseP rchasesmade wits cash advances Iran an ATM or with a clock that accesses pawed' card am untdordgtally. 3. You must rcl yet have tuty paid for the prchase. If all of the criteria above are met and you are still dissatisfied with the purchase. octad us in con mgat GE Capital Retail Bank P.O. Bar 965003, Orlando, FL 32896-5003 While we investigate, the same rules appy to the disputed amount as discussed above. After we finish our Investigation, we wE tea you our deciskm. Al that point if we think ynuaweanamoum and you do not pay we meyreportyou asdelhhquent. tnformagon AbeutPayments: You may al any frmopays in whole or in part the total unpaid balance Wilmot any additional charge for prepayment Payments received after 5b3 FPA (ET) on any day wB be defiled es ofOwned day. CeedrloynurAccount may bedelayeduptorte days ifpaymert (a)is not reoekedu the PaymentAddress, (b) is remade in US. dollars drawn on a U.S, financial trstkutbn Waded In the U.S., (c)is not acoomparied by the remittance coupon attached to your statement, (d) contains morethen are payment orremiltancecoupon, (e) is not received in the remittanceennebpe provided or (q includes staples,paper dips, tape, a t!. a bided chaoonespafdence of any type. Cm:Wiener Payments: At mitten osmmunicatims corcerning dsputed amounts, ihctuding any check a other payment Instrument that (i) ideates that the payment constitutes 'payment in luil'a is tendered astrdsatishdnnof adrphdedamount alit) Is tendered wih other conditions or Ilmilatbns (Disputed Paymnentsy, must bemaledordet a edtousatP.O. Bm965003, Orlando, P1338965003. Credits To YourAccount:An amort shaven in parershesisorprexdedby a minus (-) sign is a credit or credit balance unless otherwise Indicated. Credits wig be applied to your previous balance immediately open receipt, fou e4leot satisfy any required paynhentilat maybedue. Credit Reports And Account Information: If you beteve that we have reported irax unts inianaflon sloth you to a ocesumereep lig army peaseeonact us at P.O.8(x965006, Orlando, FL 32896-5005. Inddng ser please identify the Inaccurate Idormaton and tel us why you lettere it Is Incorrect It you have a copy of the credit rep rt that Ircldes the inaccurate Information. please Indide a my/ at that report. Rib may report kdamatie about your =cud to coed bureaus, Lata payments, missed pay rents, a otterdetalisony uxacoounmaybererectedinyoureedt repot. Bolan i Subject To interest Charge Calculation Method 2D (Daily Balance method): We fgure the interest charge an your acmaad by applying the pedodc rate to the 'daily balance" of your account for each day In the biting cycle We ten add the interest to the dally balance. To get thedaty balance" we lake the beginning balance of your amount each day (which Includes unpaid interest), add any new charges, and apptcable fees, and subtrxi any payments or credits. This gives us the daily balance, My dairy balance of less than zero wit be heated as zero. A separate daily balance salt be calculated for each balance type on your account The balance(s) sheen in the Interest Charges section of this statement's thesumof thedeiy balances breach daylnthe biliingcycleavdedbythenumberoldays inthetdnl gcyde. Method 2M (Average Daily Balance including current transactions): We route the interestcharge onyouraccaad b/appying the pedoito rate to the 'average daily balance" of your arsonist To get the 'average daily balance" we take Ile beginning balance of your account each day. which Includes any unpaid interest charges from the previous foiling cycle, add any new charges, and applicable fees end subtract any payments en credits. This gives us the dairy balance. Then, we add up al the daily balances for the billing cycle and druida the total by the number of days In tie Wing cycle. This gives us the "average daily balance" which is the balance shown In the trderest Charges section of This statement. Any averegadaiy balance of less tan zero will be treated as zero. A separate average dairy balance mil be calculated for each balance type on your account. Method 3D (Daily Balance excluding current trensadlons): We figure the interest charge an your accaud by applying the periodic rate to the "daily balance' of your account for each day In the Wing cycle To gel the 'daily balance' we fair the beginning balance of youracccam each day, add any interest and apprrable fees and subtract any payments acredas. We do not add in any nay charges. This gives us the defy balance. Any dally balance of less than zero wit be treated as zero. The bolancets) shoo in the hderest Charges section of We statement is the sum of the daily balances for each day is the billing cycle divided by the number of days in the billing cycle. A separate dally balance sett be Calculated Or each balance type an your account. Method 5 (Average Daily Balance excluding current transactions and unpaid interest charges): We figure the merest charge on your a000ant by applying the periodic tate to the 'average daily balance" of your account To gal the"averagedaiy bale Ace" we take the beginning balance of your account each day, add applicable fees and subimd any payments. credits and unpaid interest charges from the previous Nang cycle. We da not add 'many new charges. This gives us the daily balance. Then, we add up all the dairy balances for the Mling cycle and divide the total by the number of days In the billing cycle. This gives us the 'average daily balance," which is the balance shows in the Interest Charges section of this statement.Any average daily balance dims than renewal be treated as zero. A separate average daily balance win be calculated fa each balance type carts account. Method 6 (Average Dully Balance including current transactions and excluding unpaid Interest charges): we figure the interest charge an youraccotnl by applying the periodic rale to the 'average daily balance' of year acaeunl. To get the 'average daily balance' we lake the beginning balance of your account each day, add any new charges and apptcahfe fees and subtract any payments, credits and unpaid Interestcharges from the previous biting cycle. This glares us the daily balance. Then, we add to all the daily balances for the Milling cycle and divide the Ictal by the number of days In the Wing cycle. This gives is the 'average cagy balance' which is the balance shown in the Interest Charges section of thisstatenent. Any average daily batance of fess than zero will helmeted Els zero. A separate average day balance ell be calculated for each balance type onyour account. Bantnruptcy Nogce: If you file bankruptcy you must send us notice, Including meant nunberandal Information relatedtathe proceeding toile foloei geddress: GE Capital RetailBank, Attn: Bankruptcy Dept, P.O. Bat 100104. Rowel, GA 30D76. Yowaccountis owned and serviced byGECapital RetalBank. Nearthenpaired: TOCluserscao 1-803-444-1732. O1CX7009 • i • 02/11/2011 This Is an attempt to collect a debt and any Information obtained wit be used for that purpose. By providing a teiephonenumber on my account, !consent to GE Capiat Retailgank and any other amerce service'of my account arcading me abed my account, including using any comas Inbrmatbn or cell phone numbers ! provide, and I consent to thecae of my automate telephone dating system androranartifirial or peerecordad votewhen contacting me. even if lam charged trine call under my phone plan. For doges of address, phone number anotia email, please check the box and print the changes below, Street Address Gly Sl. Zlp Phone 0 E-nnaa Home Phone # Business Phase 0 *Cell ftaother phone iwe Email Address can tee to contact you By providing yam email address, you agree to receive email armmunbatbns about your amount end also ghee permission for us to share your email address to law's. YOUR CHOICE! A( FOR,` Fixed Monthly Payments OvoAP Until Paid in Full' 5) MUS 1FYe4 On purchases of qualifying Trane systems with your Lowe's® Consumer Credit Card. •TIPANF Fixed Monthly Payments Required Valid in-store only and is only available at participating locations. If you choose the Special Financing Offer, you will not be eligible for the manufacturer's rebate. See sales associate for qualifying systems. Valid 4/1/12 through 5/31/12 13See reverse side for details. The terms that apply to your promotional purchase(s) are as follows: DRQ NIEPMT: To avoid paying Accrued hterest Charges on a DEFERRED MEREST promotion, you must pay at least your minimum payment due, if any, each month and the entire applicable Payoff Amount by the promotion Expiration Date. For each promotion, after a promotion ends or is terrrnated, non -promotional account terms w ill apply. To make more than one payment, you can pay online at the online address stated above or you can mail in your payment to the address on the rent stub. This address is also available from our automated customer service system Purchase Rs -chase Date Amount Promotion Type 05/29/2011 $1,482.94 Rag Ceferred hterest/With Pay Accrued MEREST CHARGES $317.93 Billed IN 1:11MT CHARGES Payoff Expiation Amount Date $0.00 $1,113.46 12/13/2012 Tran Date Post Date Reference Nlmber/ Invoice Nmber Description of Transaction or Credit FEES 04/05 04/05 LATE FEE TOTAL FEES FOR THS PERIOD INf9FEST CHARGI) 04/12 04/12 MHa6STCl-lARGEONPURCHASES TOTAL INTEREST FOR THS P8110D 42111120111111.1tar Total Fees Charged in 2012 Total Interest Charged in 2012 Total Interest Paid in 2012 $35.00 $270.48 $76.30 Amount $35.00 $35.00 $72.51 $72.51 istieseseltdimasseiclaitstla Your Annual Percentage Rate (APF) is the annual interest rate on your account. Type of Balance Current Transactions Regular Rirchases NA 24.99% $2,976.38 Reg !Deferred hterestANSh Pay 12/13/2012 24.99% $1,416.31 Expiration Date Annual Balance Subject Fbrcentage Rate To Interest Rate Transactions on or before 11/28/2010 Regular Rlrchases NA 22.99% $601.47 Interest Balance Charge Method $61.15 2D $0.00 2D $11.36 2D Ut tlt{rpt}ytt ifttir lulus+t Your account reflects an amount past due. t you are having difficulty making this payment, we have several temporary repayment options available to help make things easier for you. Call 1-800-568-0156 today to find out if you are eligible for one of our payment options. You may be offered one of the follow ing promotions w hen you make a qualifying Lowe's credit card purchase: Nb Interest if — Paid in Fut w Shin 6, 12, 18 or 24 months. Under each promotion, no interest w it be assessed on the purchase if you pay the promotional purchase in full w Shin the applicable promo period. t you do not, interest w ill be imposed on the purchase from the date of purchase at a rate of 24.99%. klnimum rronthy payments required. Offers subject to credit approval. Offers not available at at tines for all purchases. Offer dates and other terns will be disclosed in promotional advertising. Regular account terms apply to non -prong purchases and, after promotion ends, to promo purchases. Cannot be combined w fth other credit related promotional offers. You may be offered one of the following promotions when you crake a qualifying Low e's credit card purchase: Nb Interest for 24 or 36 months. Under each promotion, no interest w ill be assessed on the purchase until the end of the promo period. After the promo period, a rate of 24.99% w ill apply. During the promo period a unique monthly payment w ill be required equal to at least 4.1667% of your initial promo purchase amount for 24 month promotions, or 2.7778% of such amount for 36 month promotions. Offers subject to credit approval. Offers not available at all tines for all purchases. Offer dates and other terms will be disclosed in promotional advertising. Regular account terms apply to non -promo purchases and, after promotion ends, to prone purchases. If your account has a deferred interest promotion and you would like us to apply a payment on your account in a different way, please call Customer Service to discuss other options that may be available. eel Solder Yawait* Ytto,mil Now you can recycle rechargeable batteries, plastic bags and CFLs at your local Low e's. Simply drop the items in the bins near the store's entrance. 7009 X5G 1 7 10 120912 DPAGE 2 of 5 9294 0010 S001 01CX7009 • When you use your Lowe's® Consumer Credit Card. Offers cannot be combined. ' Ask For 36 Axed Monthly Payments 0% APR Until Paid In Ful Applies to tingle -receipt in-store purchase of qualifying Trane systems with your Lowe's" Consumer Credit Card made April 1 —May 31, 2012 in-store only. Not valid curie at bwes.com. No interest will be assessed an promo purchase and proms Is paid In full, and fired moody payments are required equal to 2.78% of ictal promo purchase amotxn. This fixed mighty payment may be higher than the minimum payment that would be required If the purchase was a non -promotional purchase. Regular account terms apply to non-prormticnal ptrcinases. For new accounts: Purchase APR is 24,09%; Minimum Interest Charge is $1.00. Existing cardholders should see their credo card agreement for their applicable terms. Must request offer at time at purchase. Cannot be combined with other creed - related promotional otters or manufacturer's rebate. Subject to credit approval, Fxdudes Lowes°° 8usness CreditAccou nts, Lowe's*Project Card" Accouhts, Lown s" NSA"Accourta and all tweet* Canada CrediAccounts. r 5%05 Every Day: Get 5% off your single -receipt purchaseof any in -stock or Special Order rcerchartdisecharged to your Loire's* Container Credit Card. Offer is not valid on previous sales, purchase of services, gift candor Oacer", DCS, Elect -elm a fisher & PaykeP appliances. Offer cannot be used in conjunction with any coupon, Lowe's military discounts, Lowes employee discounts, or Lowe's ow price guarantee. Trane Rebate Disclosures:See your Lowe's authorized independent Trent dealer tee complete en>ipam efigbillty, dates, details and restdctions. Instant mate from $100 up to 51,250 valid on greiying systems only. At safes must be to homeowners in the united Sfates.Vddwtsere prohibited. Cannot be combined with Lewes credit financing offers_ ® 2012 by Love's Ompa fes, Inc. Lowe% and the gable design are registered trademarks of LF, LLC. At rights reserved. The Project Calcite is a registered service mark of General Efecbic Conway Sign up to receive erai from Lowe's ® Credit Services about special offers, news updates and more. Go to www .bwes.corr✓crediterreiltoday to start receiving offers. Rease Note: When contacting the Lowe's Credit Center, you crust be listed as an account owner to obtain information about the account. We cannot disclose information to authorized users or third parties. Monitor your account 24/7. Enroll in free eServicing at www.lowescredt.com and take advantage of the easy way to: view recent transactions, check your balance, update personal information and nuch more. Mowing? Visit Low esnoving.comfor tools, tips and valuable offers to peke your Trove easier. Don't get caught by an email scam.Occasionaly, criminals send emits that look oke they're from a retailer, bank or other financial institution. This scam is called phishing. Phishing emits can look almost identical to real enols from GE Capital Retail Bank. The enails try to trick people into revealing credit card or bank account numbers. Taking these four steps can protect you from fraud and identity thefti) Never respond to an email w ith your account or social security number. 2) Upgrade to the latest Internet browsers and use anti-virus and anti-spyw are sof tw are. 3) Know your account status. Don't be tooled by false claims that it is in jeopardy. 4) Remember, GE Capital Retail Bank emits regarding your account w ill always display the last four digits of your account number and never ask for confidential information. 7009 X5G 7 10 120412 DPAGE 3 of 5 9294 0010 5001 01CX7009 CREATIVE AND PRACTICAL SOLUTIONS TO MEET YOUR PROJECTS NEEDS Lowe's has the breadth of services, product selection and expertise to help you find the right solution to your project needs at the right price. When you schedule your free in-home consultation, one of our experienced associates can recommend different options from a wide range of products at multiple price points. You'll get exactly what you want while getting the most out of every dollar. EXTERIOR PROJECTS INCLUDE: • Roofing • Fencing • Siding • Decking • Windows • Seamless Gutters • Blow-in Insulation PROFESSIONAL INSTALLATION • Installers are screened, insured and licensed (as required) • Our installers are customer rated to ensure you get the best service possible • Guaranteed try Lowe's with a one-year warranty on labor* SCHEDULE A FREE IN-HOME CONSULTATION TODAY. • Visit your local store • Call 1-800-GO-LOWES • Visit Iowes.com/Welnstall LET'S WORK TOGETHER TO MAKE THE MOST OF YOUR HOME "NI installation sennas me glaanleed laa3 warrant'. Professional installation armlaUe trough independent contractors, Iarrsed and mjslred where applicable. Lcmises issu d to a as behalf of low's I{ome linters. hc.; PL k10344f03), Mobile #28012 N. Tuscdioo:a 4103298, Auburn 01242; M 4027290611: Cr #HIO1558162: 06 01993102019 FL #CCC1326824, 460508417, 0010327732, #00 2176ea a_ f458-092578, #104014837: KY -Lupton 0115662. IA 0010333: 04-610I1111 00000725. Hammond NO17106.02, tA-A'IMP 4649;M611t. CeC#16533: MA 0148688; MD #91680.22 rd 02102144448 MN 020629a39 MS 0833152: NC 070220; nn 030316; NE 023319 NM #84381-; 1.11ceeYcrk C0y 41291730, 01291733. #1375178, Nassau #I11777893003,Su0olk 043906-H, Buffalo 0556853, Putnam 4PC2742-A,TaXrn'anda 0C40391, Rockall #8-11092-85-00-00,Weslc ester 0140 23319610; OH-Cdumbls 005872. Lamest/ #803696,' Warren 04266, Whttelull 02589 PASunbuy #751. JohrsNrm #4767; W 020575; SC #0116664, 4122513, COM. RBC147; IN 064743, 03070;VA #2701036596A; VA/ #WW 14666, Bridgeport 030367, Charleston 01043, tabuoantown 62010 470 Ranson #341: VA 01133309. licenses bated to or on tenon d InawS HM, Inc: W( 028341: AA22 0800195516: CA 10803296: Ifl OCT -3233784; ID AC630318: Mr 0161036: NJ 00076159; CR 0144017, N #781223-5501; WA #LO1MES1498261d. Wale neaten hstatbSon: If an arpansbn lank is required by local code it cdl be an addtional charge (nM included n the bcnh replacement labor). rham4 tees are addrxnal pmt included Is the tach replacement laths).II a gas shutoff ante mpacement le requred bysite code, addilicnal charges may apply trot included in basic Irstallatlonl.7dddmnal dnrgn fa IP conversion Ht may appy, Additional charges may apply tor pontiff tees. 0 2011 by Imte'se Onmparies, he. tnre'sr'and the gatle design are registaed eadamaris of LE ILC. AI rights reserved. 1009 X5G 1 7 10 120412 OPAGE 4 of 5 9294 0010 S001 01CX7009 —I USE YOUR €-CICS CONSUMER GRED T CARD AND eine rho niobium *urctiase reryirred and ct cuwr 5% OFF SPECIAL EVERY DAY FINANCING Special Financing and 5% discount carrot be combined.lf your segs -receipt pwrchase is over the minimum purchase required, you will be asked Insoled Meader you would We. '6'16 Off Your Lowe's' Consumer Credit Card Purchase: Get 5% all you singe -receipt In-store a online purchase of err In -stock et Special Order msrdurdse charged myna Lowe's' Consumes Credit Card Offer s natvalid on presas sales, purchase of swvices, giRcards or Dace, DCS,&crolux er Esher di Payftel' appliances Offer cannot to used In oa)mcdon with any capon, Lorcet military dlscaurls, Lowe's emiieyee discounts, or Lowe's lee price grslantee. "Special Fisncig Offer.See etre sesoriat a credit prargbon disclosures b -talon or/Abne kr details en the Special Guarding Offer auaAahle when you make your puctese.Offasere subject totted approval, &dudesLowe's`'BuariessCrbe8Accans,Lowe's*PnoctCanf'Aceouns,ell Lamer Vsa' Accounts, and Lowehe Canada CredtAecouns. We reserve the right to dsconhrs or alb the terms of these dials at any line. 02011 byLawnu' Campahle Ins Lariat and the gage das6D are registrar) taarnadro of LF,LLC.AII fight yawned Lowe's° Credit TRAVIS W SMITH Card Account Account Minter 111.111089 previous Balance $4,754.65 - Payments $0.00 - Other Credits $0.00 + purchases/Debits $0.00 + Fees Charged $35.00 + Interest Charged $77.26 New Balance $4,866.91 Credit Lirrit $4,870.00 Available Credo $3.00 Statement posing Date 05/13/2012 Days in Billing Cycle 31 Visit us at w,vw.lowes.mm/credit Customer Service: 1-800-444-1408 New Balance $4,866.91 Amount Past Due $295.00 Total Mnirrum Payment Due $456.00 Payment Due Date 06/05/2012 Late Payment Warning:If w e do not receive your ninim.rmpayment by the date listed above, you xray have to pay a late fee up to $35.00. Minimum Payment Warning: If you crake only the ninirrum payment each period, you w ill pay more in interest and it w ill take you longer to pay off your balance. For example: +*+4�+t9�}}PM +�*'i+t i'ifrn i ?} 14a4- �' ups f� �TV +}ill ming Only the minimum 19 $14,453.00 payment years If you would like information about credit counseling services, call 1-877-302-8775. YOU HAVE A DEFEFIRED INTEREST P ThOTION(S) EXPIRING ON 12/13/12. YOU MUST PAY EACH DBS INR71lyT PROMOTIONAL BALANCE IN FULL BY ITS EXPIRATION DATE TO AVOID RAYING ACCRUED INTEREST CFA RGES.FLEA SESEE Tl-EPROMOTIONAL RIRCHASESUMMARYSECTIONONTHSSTATEIVBNITFORRJRTT-ER DETAILS. PAYMENT NIT DUE BY 5 P M (ETT ON Tl -E DUE DATE NOTICE We may convert your payment into an electronic debit. See reverse for details, Biting Fights Information and other important information. 7009 X5G 1 7 10 120513 D PAGE 1 of 5 9294 0010 5001 01007009 Detach and nail this portion with your check Do not include any correspondence w ith your check. —� ,22.630009. TRAVIS W SMTH 175 WHISKEY RUN RD NEWVLLEPA 17241-8601 Account Number08 9 eFMihtheuVi* litsgagran_.,_Atgaxib ++ 06/05/2012 -- --- — --- $456.00 +++4h71o0et++• $295.00 $4,866.91 ++1 Payment Enclosed: Pease use blue or black ink ■ New address or email? Flint changes on back. FDFDFFI'FDDATDATDDTFTATDATTDATDAFFDI-Ft-I-TDFDATDDADDDFDDDAAFDAADDTT Make Payment to: LGQVES/GE{ B P.O. BOX 530914 ATLANTA, GA 30353-0914 FTFTDDTFTDDTDTATTATATDTDAATDTATTFDFATDFFATTTAFDFTTFFDTFFTDADFFTDD Customer Service/Quest/one: For account Informatbn, please call the toll free number on the trontof this statement Unless your name Is listed on this statement, your aceessto information on the account may he limited. You may alsomail questions (but not payments) to: P.O. Box 965004, Orlando, FL 32896.5004. Please Include your accauntnumber onany correspondence you send tous. Payments: Sendpayments tothe address listed on the remit parkin of the statement ccpayed ne. Notice: See betax for your Bhdkg Rights and other important intimation. Telephoning about billing errors we not preserve your rights under federal law. To preserveyaur rights, please write toDUI Billirg Inquiries Address, P.O. Bax 4165003, Orlando, FL32896.5003. Purchases, returns, and payments made just prior to billing date may not appear until next month's statement. When you provide a check as payment. you authorize us edhertouse informalion from your checktomake aone-time electronic fund transfer fromyouracoount arta process the payment as a check transaction. When we use infarmation from your check to make an electronic fund transfer, funds maybe withdrawn from your account as soon as the same day we receive your payment, end you will not receive your check back from your financial Institution. You may choose not to have your payment collected electronically by sending your payment (with the payment stub), In your own envelope—not the enclosed window envslops,addressodto: P.O. Box 960097, Orlando, FL 32896.0097and notthe Payment Address. What Te Do ft You Think YouAndAM ataka On YourStatanent ft you think there is an error an your statement, write to us at the Bering MquiriesAddressof: GE Capital Retail Bank P.O. Lica 965003, Orlando. FL 328965003 In your letter gee us the fdlevrem Intimation: • Acooum inferonatior Your name aef account number. • Deft ramourrt The dollar amount a the suspected error • Dees/Nona Pr tt/em:Ifyoufhhkthereisanerroronyourbll,desulbe whatycubefewiswrongandwhyyoubarieret sa mistake. You nest carted us wlNh 03 days after the error appeared on your staterem, You must noblyusofairy =Win emirs inrating. You may cal us, tut If you do we are not remired to Investigate any potential errors and you may beveto paytheamountel question. Wheewelnvustgate whether* nal there has been an error, the fallowing feelrue: • We cereal try to celled the amount In quallior. or repel you as delinquenton Ihaf amcum. • Tia charge in question may remain an your datared, and we may continue tochap you Merest on that amount. But, if we determine that we male a ndstate, you wig not have to pay the amount In question or any Interest orother fees reletml to that amours. • Waleyouoonethaveto pay theamoure inqusslbn,youareresponsi s bathen:makerof your balance. • Weanappyaoyunpaidamauntagahstyouraedtihnt. YowRights fYou AreDhsatlsifedWith Your C edtf CardPurchases If you eredssatisfied with the goods orservtesthat you have purchased eels your cads card, and puha* tried In good faith tocarecl the problem with the merdham,you may have the right not to pay the remaking amount due one* purchase. To use gds right allot the fdlowirg must be tree: I. The purchase must have been made In yar home state or within 700 mks of your current mailing address. and the purchase pica must have been nw ethan$50.(Note:NettherolthesearenecessaryIfyourpectase was based on an adweldsememwe mailed oyw, or If wecan thecorhgany Ott sdd you the goods or services) 2. You must have used your ereddcard for the pumhase.Purchases made will cash advances km an ATM or with a clexlr that accesses your credit ardaocamtdorot q.aky. 3. You must rot yet have fully paid for the puctrese. I7 al of the criteria above ere met and yrs are slid dissatisfied well the purchase, entad usinwnmgat GE Caplet Retail Bonk P.O. Boot 965003, Orlando, FL 32896-5003 While we investigate, the same rules appy to the deputed amount as discussed above. Aker wa finish our ivestigatbn, eve we tea you our dedsbn. ARM point if we think you owe enamount ar d you do not pay we may report yet as delhquent. MformaSon About PaymarrtaYou may at any time paysIn Letrote Orin part the total unpaid balance without any additional charge for prepayment Papa= received alter 5:00 PM (ET) on any day wil be aedtedasofthe next day. toyourAcceuntmay bedesyeduptoere days If payment (a)Is not reoetuedeke PaymedAddre s, (b) ismlmade in U.S. deters drawn on aU.S financed insiiulbn!coaled Inthe U.S ,(c)snot aceomperied by the remittance coupon enacted to your statement (d) contains more than one paymemorremttence coupon, (e) is nal received to ere remdtance a vebpe pravaded or(I) includes staples, paper clips, tape, a okled check or =respondence of any typo Condemn Permute: All mitten communications oorcerni g drspried amounts, including anychxt a other paymmt instrument ghat: (i) rdtute5 that the paymerd constitutes "payment in firastenderedashasatsfactenofa&fatedamarhtne(i) Is tendered wfh other oondclons or Ilrritatbns(Disputed Payments,. newt bemarled oredtousatP0.&x965003,Ortendo.FL328965803. Credits To YeurAcceanf:Anamourt :frown in parerthesisor precaledhy a micas (-) sign is a credit or creat balance unless otherwise indicated. Credits win be applied to your previous =ace immediately epee recept bttwiirmtsatisfy any required parr entthat maybedne. Credit Reports And Account Information: if you believe that we have reported leaoarate in/ramekin about you to a censuma+epayhg agency( please collect us at PO Bcr965005, Orlando, FL 32896-5005. bdaing ser please Willy the Inoculate Imormatfon and let us why you believe a Is Incorrect It you have a copy of iheaedt report that ire! desthe inaccurate Information, please kmbde a copy el that report We may repel kttamatbn abed your account to aedt bureas. Lab paymeds, mimed payments, or otherdet tisanyouramcmrdmayberefededinyouraedtrecce. Balance Subject To interest Ch arge Calculation Method 2D (Daily Balance method): We figure the interest charge en your account by applying fire pedodc rate to the 'daily balance" of your account for each day in the billing cyclee. We then add the interest to the daily balance. To get the halt' balance" we lake the beginning balance of your account each day (which Includes unpaid interest), add any new charges, and applicable fees, and subtract any payments or credits. This gees us the daily balance, ivy daily batanoe of less than zero will be treated as zero. A separate daily balance wilt be calculated for each balance type on your acetum. The batmua(s) shorn in the Interest Charges section of this statement is the sum of thedeityty balances to each day in theb ltiegcyclediufdedbythe numberoi days In Ihehnkag cycle. Method 211A (Average Daily Balance including current transactions): We fgurethe interest charge on your avxaad try applying the periadc rate to the 'average daily balance" of yore account To get the'brerage da0y balance" we take the beginning balance of your amount each day, which Includes any unpaid Interest charges from the predous Wing cycle, add any new charges, and applicable tees and subtract arty payments or credits. This gives us the daily balance. Then, we add up an the daily balances for the billing cycle and deride the total tty the number of days In the billing cycle. This gives us the "average daily balance" which is the balance shown In the bderest Charges sedien of the statement. Any average daily balance of Ihes than zero will helmeted as zero. A separate average daily balance wit be calculated for each balance type an your account. Method 30 (Daily Balance exduding current transactions): We figure the Interest charge en your account by copying the periodic rate to the "daily betance" of your account lar each day in the Wing cycle. To get the "dally balance we take the beginning balance of your account each day, add arryintereaand applicable fees and subtractany payments or credits. We do not add in any now charges. ibis gives us the daily balance. Any daily balance of less than zero will be treated as zero. The balances) shoes in the Interest Charges section of tis statement et the sum of duty balances for each day h the biting cycle divided by the number of ' days in the idling cycle. A separate daily balance wt8 be calculated for each balance type on your account. Method 5 (Average Daily Balance arcading current f ransacfions and unpaid interest charges): WeAgin theinterestchargeonyhouraccount by applying the periodic rate to the average daily balance" of your account. To get the -average deity bale nce"we lake the beginning balance of your a000unt each day, add a ppf dab le tees and subtract any payments. credos and unpaid Interest charges eon the previous Nen? cycle. Weds not add o any new charges. This gives us the daily balance. Then. we add up at the deity balances lar the billing cycle and divkle the total by the number of days In the billing cycle. This gives us the 'average daiy balance." which is the balance share N the Interest Charges section of the statement. Any average daily balanceaf less than zero we betrnated as zero. A separate average daily !stance wee be calculated to each balance typo on your account. Method 6 (Average Daily Balance Including currant transactions and excading unpaid Interest charges): We figure the interest charge on your account by applying the periodic rate to the 'average daily betake' of your account. To gid the 'average dairy balance' we take the beginning balance of your account each day, add any new charges and appfrable fees and subtract any payments, credits and unpaid Interest charges from the previous bi1Gg cycle. This gives us the dairy balance, Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the biting cycle. This giros us the "average daily balance,' which is the balance shorn in the Interest Charges section of this statement. Any average denayy balance of fess than zero will be treated as zero. A separate average daily bmance wed be calculated fce each balance type on your account. aaalvupfcy Notice: n yeti file baawptcy you must send us notee, Includirg acccent nurnberand albbrmatm reratedothe proceeding to the blowing address: GE Capital RetaaBank, Attn: BantrtptcyOept, PO. Bax 103104. Rowe 1, GA 30076. Youraccountis owned and servicedby0ECapial RelaltBank. Rearing hnpal red: TOD userscat t-803.444.1732. OICX7009-1.07!11@011 This Is an attempt to collect a debt and any information obtalred we be used for that purpose. 'By providing telephone number on my account, !consent to GE Capital Reid Bank and any other caner or smirker of my account contacting me about my account, inckd'mg using any contact Inkamation or ceN phone numbers I provide, and I consent to the use of my automatic telephone Baling system andieran artificial aprereoaded vote me, even if lam charged orfhecall under myphone plan. For changes of address, phase number and/or email, please check the box and pint the changes below, Street Address ❑ Zip Phone e E mine Hama Phone 9 Business Phone e 'Ceti iodtrerpone1we Email Address an use to domed you By providing your email address, you agree to receive email oommunkatbns about your account end iso give permission or us to share your email address to Lowe's. Managing your home has never been so simple. Get inspired. 6el. oTgailized, Get answers. MyLowe's is an innovative new online tool that makes managing, maintaining and improving your home simpler than it's ever been. mw. Remember to scan every time you swipe. sea beck* f;etatis. TIPTIMIMMONOrioll The terns that apply to your promotional purchase(s) are as follows: DEFERRED NTEREST: To avoid paying Accrued Interest Charges on a DE=ED INTEREST promotion, you crust pay at least your minimum payment due, if any, each month and the entire applicable Payoff Amount by the promotion Expiration Date. For each promotion, after a promotion ends or is terminated, non -promotional account terns w ill apply. To crake more than one payment, you can pay onkne at the online address stated above or you can mail in your payment to the address on the remit stub. This address is also available from our autorreted customer service system Rrrchase Ru -chase Date Amount Promotion Type 05/29/2011 $1,482.94 Rag Deferred hteresvWrth Pay Accrued Billed NTEREST INTEREST Payoff Expiation a-IARGES CHARGES Amount Date $348.62 $0.00 $1,113.46 12/13/2012 Tran Date Post Date Reference Number/ Invoice Nlrrber Description of Transaction or Credit RES 05/05 05/05 LATE FEE TOTAL FES FOR THS PERIOD INTEREST CHARGED 05/13 05/13 MEREST CHARGE ON PURCHASES TOTAL INTBIEST FOR THS PERIOD +4:414 Total Fees Charged in 2012 Total Interest Charged in 2012 Total Merest Paid in 2012 $70.00 $347.74 $76.30 Amount $35.00 $35.00 $77.26 $77.26 4rgei V sk tdjri9eltaialgo1oP+ Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Current Transactions Regular Purchases Rag Deferred hterestANrth Pay Transactions on or before 11/28/2010 Regular Ruchases Expiration Annual Balance Subject Interest Balance Date Rarcentage Rate To Interest Rate Charge Method NA 24.99% $3,075.38 $65.29 2D 12/13/2012 24.99% $1,446.18 $0.00 2D NA 22.99% $613.13 $11.97 2D Your account reflects an amount past due. I you are having difficulty making this payment, we have several temporary repayment options available to hell make things easier for you. Call 1-800-568-0156 today to find out if you are eligible for one of our payment options. You may be offered one of the following promotions w hen you make a qualifying Lowe's credit card purchase: Nb Interest if Paid in Fufl within 6, 12, 18 or 24 months. Under each promotion, no interest w if be assessed on the purchase if you pay the promotional purchase in full w ithin the applicable promo period. I you do not, interest w ill be imposed on the purchase from the date of purchase at a rate of 24.99%. Mnimrum monthly payments required. Offers subject to credit approval. Offers not available at all tincts for all purchases. Offer dates and other terns w ill be disclosed in promotional advertising. Regular account terms apply to non -promo purchases and, after promotion ends, to prone purchases. Cannot be combined with other credit related promotional offers. You nay be offered one of the following promotions w hen you make a qualifying Lowe's credit card purchase: Nb Merest for 24 or 36 months. Under each promotion, no interest w it be assessed on the purchase until the end of the promo period. After the promo period, a rate of 24.99% w ill apply. Curing the promo period a unique monthly payrrent w ill be required equal to at least 4.1667% of your initial promo purchase amount for 24 month promotions, or 2.7778% of such amount for 36 month promotions. Offers subject to credit approval. Offers not available at all tires for all purchases. Offer dates and other terns w ill be disclosed in promotional advertising. Regular account terms apply to non -promo purchases and, after promotion ends, to promo purchases. If your account has a deferred interest promotion and you would Ike us to apply a payment on your account in a different way, please call Customer Service to discuss other options that nay be available. ntlblrfettYwastaid•In ive3ie Now you can recycle rechargeable batteries, plastic bags and CFLs at your local Lowes. Simply drop the items in the bins near the store's entrance. 7009 X5G 1 7 10 120513 DPAGE 2 of 5 9294 0010 5001 01CX7009 Remember to scan every time you swipe. Simply apply the fvlyl._owe's sticker to the hack of your Lowe's`h Consumer Credit Card. Just be careful not to cover your signature or card numbers. Then every time you use your credit card, your MyLowe`s account code wilt he right there for you. C 2011 Lmve's Companies, Inc. All rights reservod. Lowe's, the gable design, and htyt.ove's are trademarks of LF, LLC. All are used with permission. Pease Note: When contacting the Lowe's Credit Center, you must be listed as an account ow ner to obtain information about the account. We cannot disclose information to authorized users or third parties. fubnitor your account 24/7. Enroll in free eServicing at www.low escredh.com and take advantage of the easy way to: view recent transactions, check your balance, update personal information and much more. Nbving? Visit Low esmoving.com for tools, tips and valuable offers to make your move easier. Don't get caught by an email scam.Occasionaly, criminals send ermils that look Ike they're from a retailer, bank a other financial institution. This scam is called phishing. Fhishing emails can look almost identical to real ermis from GE Capital Retail Bank. The ermils try to trick people into revealing credit card or bank account numbers. Taking these four steps can protect you from fraud and identity thefts) Never respond to an email with your account or social security number. 2) Ltgrade to the latest Internet browsers and use anti-virus and anti-spyw are software. 3) Know your account status. Don't be fooled by false claims that it is in jeopardy. 4) Remember, GE Capital Retail Bank emits regarding your account w ill alw ays display the last four digits of your account number and never ask for confidential information. 7009 X5G 1 7 10 120513 DPAGE 3 of 5 9294 0010 5001 01C07009' CREATIVE AND PRACTICAL SOLUTIONS TO MEET YOUR PROJECTS NEEDS Lowe's has the breadth of services, product selection and expertise to help you find the right solution to your project needs at the right price. When you schedule your free in-herne arrrsultaori, one of our experienced associates can recommend different options from a wide range of products at multiple price points. You'll get exactly what you want while getting the most out of every dollar. EXTERIOR PROJECTS INCLUDE: • Roofing • Fencing • Siding • Oec ting • Windows • Seamless Gutters • Blow-in Insulation PROFESSIONAL INSTALLATION • Installers are screened, insured and licensed (as required) • Our installers are customer rated to ensure you get the best service possible • Guaranteed by Lowe's with a one-year warranty on tabor"` SCHEDULE A FREE IN-HOME CONSULTATION TODAY. • Visit your local store • Call 1-800-GO-LOWES • Visit lowes.com/Welnstali LETS WORK TOGETHER TO MAKE THE MOST OF YOUR HOME "ell ka4ybtar services me gaanWed by Lanes warranty. fkotessbnai instafla6Dn arminCe through independmd contractors, Coursed and registered Mete applcabe. Items sued to or on behalf of tare's Florae Centers.1e.: PL #10344(113), Afobi@ 0030129. Tuscaloosa #103298, Auburn 01242; AR 00037290511: CT m1106;1158162; OE 41983102010; FL 4CCC1326824, #COC1508417, 4CCRRC1327732, #0E0317683. IL #058-092578, #104014837; KY•Lmt ion 011562; V #C110383: IN -81188 00300725. Hammond 0017106-02; IA -#UAP 46491r679, 030010533; AM 4148688; MD #91660-22; La 42102144445: MN 420629859; AIS 4833152; HC 470220; Pd1 030316; f£ 423318, KM 484381; NY•NerrYak Cit 41291730, #1291733.41375178, Anssau 011777693003, Suffolk #43008-H, Bibb 4556853. Putnam 4PC2742-AToia<Yanda4C10391, Rockland #H-11022-20-W43,VA•slslwsier #WC - 23319.110; OH•CdumNs 455872, Lmrrastr #5035%, Warren 44266, Whitehul 42503 PASonbuxr #751. Johretwm 00467; R #20575; SC 45116664, 422513, COM: RBC I47; TN 464743, 43070: VA 62701036596A 1V. #4W014606, Bridgeport #3006/, Charleston 41043, MxeanNml 42010 470, Raoul/ 4341:1M #1133309. tiDc-rues Issued ea or an behatl of tone's HIAA Inc.: AK 428341: A2 #ROCI95516; CA #603296; W #CT•33784: ID #RC£30016; MT 4161036:1W 44076159; OR 4144017; UT 4781223-5501: WA #LO1Af:S149328N, Water hearer hstareton: # an ecansbn tank isrequied by local code H will be an aiitiorel drarc,)a (rat inchaded it the best replacement labor). Permit mi fees are Edition!l Out indudud h the tonic reglacemem lora/). flagon shumn Aube replacement is natured by state code, addliaral charges may appy (not included in basic installation). kaitim 1 oh:ages for IP carnsrsbn Fit may appy, Addiiieral charges may am for pemall fees. 49 2011 ay Lowe's' Companies, lc. Laae'a' and the gale design are registered badenlada of LF. LLC. Al 4tgnts reserved. • 7009 356 1 7 10 120513 DPAGE 4 of 5 9294 0010 5001 010(7009 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PORTFOLIO RECOVERY ASSOCIATES, : LLC Plaintiff v. TRAVIS SMITH Defendant • • • • • • • • • . CIVIL ACTION -LAW NO: 14 -1775 -CIVIL PRAECIPE FOR LISTING CASE FOR ARGUMENT TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argument Court. 1. Matter to be Argued: Defendant's Preliminary Objections 2. Counsel who will argue the cases: Robert Polas, Esquire Attorney for Plaintiff 120 Corporate Blvd. Norfolk, VA 23502 (866) 428-8102 Robert Klingensmith Attorney for Defendant 209 West Patriot Street Somerset, PA 15501 (814) 444-0500 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: November 14, 2014 BY: Dated: 9-25-14 Robert Klingensmith, Esquire Attorney for Defendant INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 12 days prior to argument. 3. The responding party shall file their brief 5 days prior to argument. 4. If Argument is continued new briefs must be filed with the COURT ADMINISTATOR (not the Prothonotary) after the case is relisted. p`tvk `'1q.iST8 a'AN) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PORTFOLIO RECOVERY ASSOCIATES, : LLC Plaintiff V. TRAVIS SMITH Defendant CIVIL ACTION -LAW NO: 14 -1775 -CIVIL CERTIFICATE OF SERVICE I served this Praecipe for Argument by U.S. Mail, postage prepaid, at 120 Corporate Blvd, Norfolk, VA 23502 on Robert Polas, Esquire, the attorney for the Plaintiff, Portfolio Recovery Associates, LLC on September 25, 2014. I declare under penalty of perjury that this information is true. Date: September 25, 2014 Server's Signature Gretchen Giles — Legal Assistant Printed Name and Title Harold Shepley & Associates, LLC 209 West Patriot St. Somerset, PA 15501 Server's Address Carrie A. Brown, Esquire Robert N. Polas Jr, Esquire Mark R. Garvey, Esquire i Gregory J. Babcock, Esquire Attorney ID # 94055/201259/312686/205061 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 Attorneys for Plaintiff THE PRO1-0r ICE 1'10TAR7 2014 P:OV in at; to: 50 COLI,'771" YLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD NORFOLK, VA 23502 Plaintiff V. No. 14-1775 CIVIL TRAVIS SMITH 175 WHISKEY RUN RD NEWV1LLE PA 17241 Defendant PRAECIPE TO DISCONTINUE To the Prothonotary: Please mark the above -entitled case as discontinued without prejudice. 15-28599 ly Submitt- 4 4° 0 e ert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 Mark R. Garvey, Esquire PA Bar # 312686 Gregory J. Babcock, Esquire PA Bar # 205061 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 TELE: 1-866-428-8102 FAX: (757) 518-0860 Attorneys for Plaintiff This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. Carrie A. Brown, Esquire Robert N. Polas Jr, Esquire lark R. Garvey, Esquire (*gory J. Babcock, Esquire Attorney ID # 94055/201259/312686/205061 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD NORFOLK, VA 23502 Plaintiff V. TRAVIS SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241 Defendant : No. 14-1775 CIVIL CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Praecipe to Discontinue upon ROBERT D. KLINGENSMITH, ESQ., by First Class Mail, Postage Pre -Paid, a copy thereof on this J day o , 2014, to: ROBERT D. KLINGENSMITH, ESQ., 209 W 43IOT ST, SO 15-28599 T, PA 15501 ert N. Polas, Jr., Esquire PA Bar # 201259 Came Brown, Esquire PA Bar # 94055 Mark R. Garvey, Esquire PA Bar # 312686 Gregory J. Babcock, Esquire PA Bar # 205061 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 TELE: 1-866-428-8102 FAX: (757) 518-0860 Attorneys for Plaintiff This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. #I1. PORTFOLIO RECOVERY ASSOCIATES, LLC, Plaintiff V. : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA TRAVIS SMITH, : NO. 2014 — 1775 CIVIL TERM Defendant IN RE: DEFENDANT'S PRELIMINARY OBJECTIONS BEFORE GUIDO, EBERT, PLACEY, JJ. ORDER OF COURT AND NOW, this 20TH day of NOVEMBER, 2014, it appearing that Plaintiff has discontinued this case, Defendant's preliminary objections are rendered MOOT. Edward E. Guido, J. Robert N. Polas, Jr., Esquire 120 Corporate Blvd. Norfolk, Virginia 23502 Robert D. Klingensmith 209 West Patriot Street Somerset, Pa. 15501 Court Administrator — :sld