HomeMy WebLinkAbout14-1939 t
Supreme Court of Pennsylvania
Court of Common Pleas
Civil Cover Sheet For Prothonotary Use Only:
Curriberiand County Docket No:
ly l q 9' . , % -. , ,
The information collected on this form is used solely for court administration purposes. This form does not
supplement or replace the filing and service ofpleadings or other papers as required by law or rules of court.
Commencement of Action:
S 19 Complaint 11 Writ of Summons ❑ Petition ❑ Notice of Appeal
❑ Transfer from Another Jurisdiction ❑ Declaration of Taking
E
C Lead Plaintiffs Name: Lead Defendant's Name:
7T AmeriChoice Federal Credit Union Joseph M. Treese and Kathleen M. Treese
1 E.
O Name of Plaintiff /Appellant's Attorney: Darren c. Dethl es'gulre, D La w Group LLc
N
Are money damages requested? : [@Yes ❑ No
Dollar Amount Requested: $21 ,525.74 within arbitration limits
(Check one) outside arbitration limits
A
Is this a Class Action Suit? ❑ Yes ❑x No
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' 9 Debt Collection: Credit Card ❑ Board of Assessment
❑ Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections
❑ Nuisance 11 Dept of Transportation
❑ Premises Liability ❑ Zoning Board
S ❑ Product Liability (does not include El Statutory Appeal: Other
mass tort) Employment Dispute:
E ❑ Slander/Libel/ Defamation Discrimination
C ❑ Other: ❑ Employment Dispute: Other
T Judicial Appeals
❑ MDJ - Landlord/Tenant
I ❑ Other. ❑ MDJ - Money Judgment
o . MASS TORT ❑;Other:
❑ Asbestos
N ❑ Tobacco i
Toxic Tort - DES
❑
Toxic Tort - Implant REAL PROPERTY MISCELLANEOUS
❑ Toxic Waste ❑ Ejectment ❑ Common Law /Statutory Arbitration
B ❑Other: ❑ Eminent Domain /Condemnation ❑ Declaratory Judgment
❑ Ground Rent ❑ Mandamus.
❑ Landlord/Tenant Dispute ❑ Non- Domestic Relations
Mortgage Foreclosure Restraining Order
PROFESSIONAL LIABLITY ❑ Partition ❑ Quo Warranto
El Dental
❑ uiet Title ❑ Replevin
eP Levin
❑ Legal
❑ Medical ❑ Other: ❑ Other:
❑ Other Professional:
Pa.R.C.P. 205.5 212010
2014 APR —I PH 2:
U � ERLA'tID e:.C)';.i,I T'i'
AMERICHOICE FEDERAL CREDIT : IN THE COURT OF COMMON PLEAS OF
UNION, PLAINTIFF : CUMBERLAND COUNTY,
PENNSYLVANIA
V.
JOSEPH M. TREESE AND KATHLEEN 3
M. TREESE, DEFENDANTS : NO.
COMPLAINT — NOTICE
You have been sued in court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this complaint and notice are
served, by entering a written appearance personally or by attorney and filing in writing with the
court your defenses or objections to the claim set forth against you. You are warned that if you
fail to do so, the case may proceed without you and a judgment may be entered against you by
the court without further notice for any money claimed in the complaint or for any other claim or
relief requested by the plaintiff. You may lose money or property or other rights important to
you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU
DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE
THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL
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. � ��
4 - t
ok
/ A3U37f3
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
Telephone No. (717) 249 -3166 or (800) 990 -9108
AMERICHOICE FEDERAL CREDIT : IN THE COURT OF COMMON PLEAS OF
UNION, PLAINTIFF : CUMBERLAND COUNTY,
PENNSYLVANIA
V.
JOSEPH M. TREESE AND KATHLEEN
M. TREESE, DEFENDANTS : NO.
COMPLAINT
1. Plaintiff is AmeriChoice Federal Credit Union, with place of business located at
20 Sporting Green Drive, Mechanicsburg, Pennsylvania 17050.
2. Defendants are Joseph M. Treese and Kathleen M. Treese, who reside at 19
Ledgewood Farm Drive, Cohasset, Massachusetts 02025.
3. Plaintiff is a federally chartered credit union, engaged in various types of financial
industry business including consumer lending through the issuance of credit cards.
4. Plaintiff furnished consumer credit to the defendants by means of a credit card
with account number ending in 3909, hereinafter referred to as the credit card account, pursuant
to a written agreement attached hereto as Exhibit A.
5. There have been no assignments made of the agreement.
6. Plaintiff kept accurate running records of all debits and credits to the account.
7. Plaintiff mailed to defendants monthly statements for the account including the
billing statements attached hereto as Exhibit B. The monthly statements accurately stated the
previous balance and the debits and credits to the account for the prior billing period.
8. Under the terms of the agreement, Defendants mere given. the right to use the
credit card account to make purchases, cash advances, and/or balance transfers.
9. Defendants, in return, promised to timely pay the principal balance accumulated
plus interest, fees, and penalties where applicable.
10. Defendants' use of the credit card account in the manner described above
constituted acceptance of the terms of the agreement.
11. Defendants defaulted under the terms the agreement by failing and refusing to
make ,timely payments on the credit card account, although demand was made for the same.
12. The last payment on the credit card account was recorded on or about October 10,
2013.
13. The attached credit card statements include a statement evidencing the last
payment on the credit card account.
14. Plaintiff has suffered monetary damages in the-amount of $21,525.74.
WHEREFORE, plaintiff demands judgment against defendant for the sum of $21,525.74,
I
and the costs of this action.
i
i
Respect y ubmitted,
Date:
Darrell d. Dethlefs, Esq.
Dethlefs - Pykosh Law Group, LLC
2132 Market St, Camp Hill, PA 17011
(717) 975 -9446
dethlefs @aol.com
Supreme Court ID No. 58805
i;
Verification
I, Mark Beans, am employed by AmeriChoice Federal Credit Union. I am authorized to
make this verification on behalf of plaintiff. The statements of facts set forth in the complaint
are true and correct upon my information and belief and are made subject to the penalties of 18
Pa.C.S. § 4904; relating to unworn falsification to authorities.
Date Mark Beans
i
A
AMERICHOicE A table that includes the APRs and
® o A! CREDIT UNION
20 FEDERAL
Sp other required cost disclosures for
20 Sporting Green Drive
Mechanicsburg, PA 17050 cr e dit card applications is on the
(717) 795.0249 reverse side of this application CREDIT CARD APPLGCAYiQN
111 IMF:
. , ..
INDIVIDUAL CREDIT: You must complete the Applicant section about yourself and the Other section about your spouse ii: (1 j you live In or the properly pledged as collateral is located
Ina community property state (AI(, AZ, CA, ID, LA, NM, NV TX, WA, Wlj; (2) your spouse will use the account, ar (3) you era relying on your spouse's income as a basis for repayment.
u are relying on income from allmony, Child support, ar separate maintenance, complete the Other section l01he extent passible about the person on whose payments you are retying.
T CREDIT: Each Applicant must Individually complete the appropriate section below. II CaSorrower Is spouse of the applicant, marir the Co Applicant box
Complete the Other sel li It you are a guarantor on an accounVloaa
sl st MOTHER'S MAIDEN NAME -
d E i - °t Br - IAlleil MOTHERS MAIDEN NAME
ACCOURTNUMBEA SOCIAL SECURITY NUMBER ACCOUNT NUMBER - SOCIAL SE
DRIVERS LICENSE NUMBER /STATE DRIVER'S LICENSE NUMBER 1 STATE
BIRTH DATE HOME PHONE WORK PHONE/ ExT. BIRTH DATE HOME PHONE WORK PHO
E -MAIL ADDRESS E-MAIL ADDRESS Ad 111.1.
i
PRESENT ADDRESS (Strout • City - State - ZIP) U OWN LJ RENT YEARS AT THIS PRESENT ADDRESS (Street - City - Slate - ENT YEARS AT THIS
ADDRESS ADDRESS
PREVIOUS ADDRESS (Street - City. Stale •Zip) .. LJ OWN LJ RENT YEARS AT THIS PREVIOUS ADDRESS (Street • City • State •ZIP RENT YEARS AT THIS
ADDRESS ADDRESS
MORTGAGE /RENT OWED TO: MORTGAGEIRENT OWED TO:
MORTGAGE BALANCE MONTHLY PAY(AENT NO.OF DEPENDENTS 6 AGE MORTGAGE BALANCE MOM NO. OF DEPENDENTS & AGE
COMPLETE FOR JOINTCREDiT, SECURED CREDITOR IFYOU LIVE IN A COMMUNITY PROPERTY S TATE COMPLETE FOR JOINT C EDIT OR IFYOU LIVE IN A COMMUNITY PROPERTY STATE: It MARRIED SEPARATED U1 MARRIED (Single • Olvaced •Widowed) MARRIED RATED UNMARRIED (Single - Divorced - Widowed)
Em to riient /incaine NAME AND ADDRESS OF EMPLOYER - Em 10 rn ' CO . NAME A DRESS OF EMPLOYED
START DATE POSITION '` START
NOTICE ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED NOTICE RT, DA SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED
IF YOU 00 NOT CHOOSE TO HAVE R CONSIDERED. E TO HAVE IT CONSIDERED.
EMPLOYMENTINCOME 7 OTHERINCOME E OTHER INCOME
$
PER , $ PER PER $ PER
NET nanoss SOURCE N G SOURCE
NAME AND ADDRESS OF PREVIOUS EMPLOYER. START DATE I END OAT ADOR OF PREVIOUS EMPLOYER START DATE I END DATE
e
Deposit 46a*,Name &Account pfumber, :' ; VALUE a Count Number i.':'..: BALANCE MONTHLY PAYMENT
SAVINGS $
CHECKING $ R $ $
$ $
$ $
OTHER PROPERTY $ D $
OTHER +
AUTO MACE YEA OTHER $ $
Other Informatloin ; ;ti APPLICANT OTHER
About IFYOU ANSWER "Y ANY 0 N OTHER THAN 111, EXPLAIN ON AN ATTACHED SHEET.
- • • - •
1. ARE YCU A U.O. CITIZEN OR YES NO YES NO PERMANE SIDE 7
2. 00 YOU CURRENTLY HAVE ANY OU 1 U ENTS OR HAVE YOU EVER FILED FOR BANKRUPTCY, HAD A DEBT ADJUSTMENT PLAN CONFIRMED UNDER
CHAPTER 13, HAD PROPERTY FOR ON OR REPOSSESSED IN THE LAST 7 YEARS, OR BEEN A PARTY IN A LAWSUIT?
3. ARE YOU A CO- MAILER, CO- SIGNER N N ANY LOAN NOT LISTED ABOVE?
FOR WHOM IN at of ale ): TO WHOM (Name of Cred)tor):
�6I3ut191 rtefeYenC LA SHIP: HOME PHONE
NAME AND ADD SS O NOT iJVING WITH YOU:
State t 0 SiOENT$` ONLY: The Ohio laws against discrimination the agreement, statement or decree, or has actual knowledge of Its terms, before the credit
require cred aka uailya vailabie to all creditworthy customers, and that is granted or the account Is opened. (2) Please sign if you are not applying for this account
credit mafntal arale credit histories on each individual upon request. or loan with your spouse. The credit being applied for, II granted, will be incurred in the nadm
The 0 ommissioinlstkirs ,compliarce•with this law. Interest of the marriage or family of the undersigned.
WISCD TS ONLY: (i) No provision of any marital property agreement,
u nilateral er Section 766.59; or court decree under Section 765.70 will x
adversely a III s of the Credit Unior unless the Credit Union is furnished a copy of SIGNATURE FOR WISCONSIN RESIDENTS ONLY EXHIBIT
r_ °You promise that everyth ng you have state¢ In this application IS correct to the:bestof your.. understand that the 'use of your card will constitute acknowlad
knowledge. If there are any Important chan you will notify us inwriting,imaia lately, Ydb agreement to the terms of• the credit card agreement. A candltion D
authorize the Credit Union to obtain credit sports in connection With' 1hJA `appilc3QD# -for granting us a security Interest In your share accounts, By signing
credit and far any update, Increase, renews , extension, or collection of ttie credit'Q,61yi9d. security Interest in all Individual and joint share and /or deposit acc
You understand that the Credit Unlon will re on the information In this appllcatibn and'ynur now and in the future to secure your credit card account. Shar
credit report to make its decision. If you req the Credit Union will tell you Ifie game and ,Individual; Retirement Account and any other account that wou speola ax
address of any credit bureau from which It re slued a credit report on you. It is a iadaral criri)e treatplan[ under state or federal law If given as securtty are not sub this
u sject to t ,
to willfully and deliberately provide incomplIle or Incorrect information on loan applications Iptere' ',.When you are In default we may apply the balance in these accounts to any
mad ederal credit unions or state cfi'artered credit unions Insured by NCUA. You ar 'u. s due under the credit card agreement.
X p (SEAL) Z 1 0 X ' �f��� lr C tsEUr .Z
APPLIbAWS SIGNATURE - DATE OTHER SIGNATURE DATE
FOR
CREDIT UNION ❑ APPROVED NO. OF CARDS _ CREDIT LIMIT S Q O , C)IM -bo CREDIT CARD NUMBER
USE ONLY . I] DECUNEO Cli COMMITTEE OR LOAN OFFICER SIGNATURE r
OCUNA MUTUAL GROUP 1995, 2003, ALL RIGHTS RESERVED DETACH AND RETURN THIS APPLICATION TO YOUR CREDIT UNION ACAVSO t2ros
TO ORDER: 1-800-356-5012
'� 30 12/09
20 Sporting Green Drive
Am eriChpice Mechanicsbur PA 17050 Mu
m
FEDERAL CREDIT�IUN1oN 717 ��
Building Relationships For Life 800 240 - 4364
Application
Married Applicants: ay apply fora se account.
Individual Credit: YOU must complete the Applicant section about yourself and the Other section about your spouse if:
1. you live in or the property pledged as collateral is located in a community property state (AK, AZ, CA, ID, LA, N, NV, TX, WA, WI),
2. your spouse will use the account, o NI
VI,
3. you are relying on your spouse's income as a basis for repayment. if you are relying on income from alimony, child support, or separate maintenance,
complete the Other section to the 6tent possible about the person on whose payments you are relying.
Joint Credit: if you are applying with another person, complete the Applicant and Other sections.
Guarantor: Complete the Other section if you are a guarantor on an accountiloan.
LOANLINER Account /Loan; T D5
AL
ATM /Debit Card Access to hee ccount if Available/
Amount Requested S 20, 000
Purpose /Collateral: VISA GOLD UPGRADE
Repayment: CASH
PAYMENT PROTECTION NO" SINGLE CREDIT DISABILITY
NO SINGLE CREDIT LIFE
NOtI JOINT CREDIT LIFE
e
NAME ......,
SPOUSE
TREESE, - JOSEPH M_ S} NAME
ai TREESE, KATHLEEN M
MOTHER'S MAIDEN NAME ACCOUNT NUMpFp MOTHER'S MAIDEN NAME ACCOUNT NUMBER
SOCIAL SECURITY NUMBER DRI LICENSE NUMBER /STATE SOCIAL SECURITY NUMBER DRIVER'S LICENSE NUMBER /STATE
+-.
AGES OF DEPENDENTS EMAIL ADDRESS AGES OF pEPENDENTS EMAIL ADDRESS
NONE
NONE /' --
BIRTH DATE HOMEPHONE
NONE BUSINESS PHONE /EXT. BIRTH DATE HOME PHONE BUSINESS PHONE/EXT.
-8931 4941 3 •8933
PRESENT AODRESS ...glq — PRESENT ADDRESS
19 LEDGEWOOD FARM DR LENGTk AT RESIDENCE 19. LEDGEWOOD FARM DR
COHASSET, MA 02025 7 YRS COHASSET, MA 02025 LEIJGTH qT RESIDENCE YRS
PREVIOUS ADDRESS PREVIOUS ADDRESS 7
LENGTH AT RESIDENCE „�.. LENGTH AT RESIDENCE
r YRS YRS
C OMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY COMPLETE FOR JOINT CREDIT, SECURED
PROPERTY STATE: PROPERTY STATE: M CREDIT OR IF YOU LIVE IN A COMUpIITV
MARITAL STATUS: MARRIED Y MARITALSTATUS: MARRIED
IVIPLQYMSNT /LNGflME ; $ PER
95, 000 00 t IVIF?LOYMENTi >: PER
NAME AND C CO ER SCIgNCES COR NAMEAND H MI MAKER
ADDRESS OF WORK FROM HOME ADDRESS of
EMPLOYER EMPLOYER
r
TITLE /GRADE START DATE IHOURSAT WORK TITLE/GRADE START DATE HOURS AT WORK
SR. ARCHITECT 12.,01 -06 40 i
SUPERVISOR'S NAME
IF SELF EMPLOYED, TYPE OF BUSINESS SUPERVISOR'S NAME IF SELF EMPLOYED, TYPE DF BUSINESS
NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME EED NOT BE NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE NEED NOT BE
REVEALED IF YOU 00 NOT CHOOSE TO HAVE IT CONSIDE}2E0_ REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.
OTHER INCOME i
OTHER INCOME
$
PER SOURCE - S PER SOURCE f �,
$ PER SOURCE
PER $ +'
PER SOURCE
SOURCE S PER
SOURCE $ .SOURCE
.. ... .PER -, .i��..SOURCE_ ,
MILITARY: IS UUUTY STATION TRANSFER EXPECTED DURING NEXT YEAR? MILITARY: IS DUTY STATION I HANSFER DURING NEXT YEAR
WHEAL f ENDING /SEPARATION DATE WHERE ENbING15EPARA7IDN DATE
PREVIOUS EMPLOYER NAME AND ADDRESS IF EMPLOYED LESS THAN STARTING DATE
FIVE YEARS PREV IOUS EMPLOYER NAME AND ADDRESS IF EMPLOYED LESS THAN STARTING DATE
12 -01 -05 FIVE
'DATUM PARTNERS '
ENDING DATE
i ENDING DATE
12 -01 -06
REFERENCE Jt :'. RELATIONSHIP
MOTHER fif?FERENQE RELATIONSHIP
NAME AND ADDRESS OF NEAREST RELATIVE NOTyLIVItJG WITH YOU N yIV ADDRESS OF NEAREST RELATIVE NOT LIVING WITH YOU
ROSEMARY TREESE ;,; HO au ^ "'° / HOME PHONE
1862 LINDEN RD.
MONTOURSVILLE, PA 17754 "' _ -1962
0 CUNA MUTUAL GROUP, 1980, 82, 84, 86, 69, e8, 2000, 2001 ALL RIGHTS RESERVED PAGE 1
AXX023 (LASER)
'Y
C EDITOR NAME OTHER THA ?HIS REDIT UNION INTEREST MONTHLY OwE4 Y
WHAT YOU; WE::';;; (Attach addldonal shootla) If nocasasry) RATE PRESENT BALANCE PAYMENT
_.. ..
APPLICANT -OTHER
ICUUN $397,00 1$2,417.
S. a $
BANIC OF:rAMERICA $ 1,190.0c $ 15.00 xx
CU VISA , <CL JPGRADE S 0.034;
S 8
s s
s s
s $ •
s s
s s
x
s s
s s
s
$
LIST ANY NAMES UNDER WHICH YOUR CREDIT I9EFERENCES AND CREDIT HISTORY CAN BE CHECKED; TOTALS $73 4 , 765 .4 $ 4 , 642.00
j
WHAT <ypU, ,O..W,.N.i`i`5 .'i' ?: US .LOCATION OF PROPERTY OR FINANCIAL INSTITUTION MARK PLEDGED AS COLLATERAL OWNED BY
ET VALUE FOR ANOTHER LOAN 'AppLICANT OTHER
: OWN 96 TOYOTA 4 RUNNER
$ NO
OWN
N $
COUNTRYWIDE RESIDENCE $ 948,000.00 YES .. -.
$ ,
S
_ S
- 9
S
S
OTHER;iNfiORMATibN<A`BOU C'Y.b,U::.:?,`:: >:::::
::: ,,,.,.; IF YOU ANSWER "YE5" TO ANY QUESTION OTHER THAN p1, EXPLAIN ON AN ATTACHED SHEET APPLICANT OTHER
1. ARE YOU A U.S. CITIZEN OR PERMANENT RESIDENT ALIEN? YES YES
2. DO YOU CURRENTLY HAVE ANY OLITSTANO.ING JUDGMENTS OR HAVE YOU EVER FILED FOR BANKRUPTCY, HAD A DEBT ADJUSTMENT PLAN
CONFIRMED UNDER CHAPTER U HAD PR �P FORECLOSED UPON QR REPOSSESSED IN THE LAST 7 YEARS OR PEEN A PARTY IN A LAWSUIT?
3. IS YOUR INCOME LIKELY TO DECLINE IN THE NEXT TWO YEARS? NO NO
4. _ ARE YOU A CO- MAKER, CO-SIGNER OR GUARANTOR ON ANY LOAN NOT LISTED ABOVE?
NO
FOR WHOM IName of others Obligated on Lorin): TO WHOM [Nome of Creditor):
Ti
at
STATE;l111N NOT1Cl=5; OHfO RESIDENTS ONLY: The Ohio laws unless the Credit Union is furnished a co of
copy the agreement, statement Or .,
all diecriminaticn require that all creditors ` decree, or has actual knowledge of"�its terms, before the credit is granted
make credit equally available to all creditworthy customers, and that credit or the account is opened. 12► Please sign If you are not applying for this
reporting agencies maintain separate' credit histories on each individual account or loan with your spouse. The credit being applied for, if granted,
upon request. The Ohio Civil Rights Commission administers compliance will be incurred in the interest of the marriage or family of the
with this law. undersigned,
WISCONSIN RESIDENTS ONLY: 11) 00 provision of any marital property X
agreement, .unilateral statement under Section 766,69, or court decree
under Section 766.70 will adversely affect the rights of the Credit Union SIGNATURE FOR WISCONSIN RESIDENTS ONLY GATE
SiGNAT�l13ES
You promise that everything you have: stated in this application is correct received. You understand that the Credit Union will rely on the Information
to the best of your knowledge and that the above information is a in this application and your credit report to make Its decision. If you
complete listing of whet you owe. If there are any important changes you request, the Credit Union will tell you the name and address of any credit
will notify us in writing immediately!YOu authorize the Credit Union to bureau from which it received a credit report on you. It is a federal crime
obtain credit reports in connection with this application for credit and for to willfully and deliberately provide incomplete or incorrect information on
any update, Increase, renewal, extension or collection of the credit loan applications made to federal credit unions or state chartered credit
z�
unions Insured by NGUA.
ISEA101/29 07 .. X ISEAU O1 Z9 07
APPLICANT'S SIGNATURE y DATE OTHER SIGNATURE -
DATE
FOH CRO1T UNION USE ONLY
:. ....
DATE - 'APPROVED APPROVED SIGNATURE LINE OF CREDIT OTHER '- OTHER - DEB ..
T RATIOISCORE
/ —'j DENIED t LIMITS: - $ BEFORE AFTER
U 0 / ,Adverse Action Noticet5ontl - $ $ -
LOA OFFICER COMMENTS: -
SIGNATURES:
x y x
DATE - DATE
.q
;: PAGE 2 AXX0231LASER)
A n u _
meriChoice 20 a Green Drive
• Me PA 17050
1121MOIRPl Ole AL c.eohT ouheic; (717) 795 -0249
VI Gold
VISA CREDIT CARD AGREEMENT
In this Agreement the words 'you* and'Nour' mean each and all of those who agree b.. Late Payment Fee: It you are ten (10) ar more days late In making a payment,
to be bound by this Agreement; "Card" moans the VISA credit card and any a Iota charge of 525,00 will be added to your account.
duplicates, renetvals, or substitutions the Credit Unlon Issues to you; "Account' .
means your VISA credit card line of credit account with the Credit Union, and 'Credit c. Return Check Fee: If a check or share draft used to make a payment an your
Union' means the Credit Union whose naive appears an this Agreement or anyone to ' account is returned unpaid, you will be charged o fee of 525.61) lot each Rem returned.
whom the Credit Union transfers this ApreemanL d. Document Copy Fen: You will be charged $10.00 for each copy of a sales draft
1. USING YOUR ACCOUNT —If you alb approved loran Account, the Cradll Union or statement that you request texcept when the request is mode In connection w1lh a
will establish a line of credit for you and nolilyyou of your credit RMIL You agree that billing error made by the eredl� union).
your credit Omit Is the maximum aAunl (purchases cash advance, finance e. Cnlleation Costa: Yau aUrtw to p I pay al costs of collecting charges, plus *other charges' that yyou *1111 have outstanding an your Account at any the amount you owe
lime. It you are over your credit Ilmll, you must pay the amount you are aver before under this Agreement, Including court casts and reasonable attorney's ions.
credit tl s ll iil begin to restore your credit EMIL You may request an Increase In your 1. Inactivity Fee: A $25.00 inactivity Ian will be charged if the account has no
ty by a method acceptable o the Credit Union. a Credit Union Itas the transaction activity during a consecutive twelve (12) month period,
right to reduce your credit Emit, refusi�lo make an advance and/or terminals your
Account at any time for any reason not prohibited by law. 6. PA"IENTS —Each month you must pay at least The minimum payment shown
de%sland that [he use of your credit Card will on our slalemenl by the data speclnod on lho statement or no later than twanty
2. USING YOUR CARD — You un Ilva
constitute acknowledgement of resat t end agreement to the terms of the credit card (25� days from the slalemenl claslnD data, vthishaver Is later. If your stateme says
a r amenl. You may use our card Pa make purchases from merchants and others Ihn aymoral Is "Now Ouo," your payment fs duo no later than y, pay five 25 days
p y Y P from the statement clasinp date. Yau may pay more frequentl pay more than the
who accept Visa cards. However, you may not use your cord to Initlato any typo of minimum payment er pay Iha Total Naw Balance In lug. I( you make extra or larger
gambling transaction. It you wish m pay goods or servlces DVer the Internet you paymnnls, you aro s11t requlrsd to make at Iaast tiro minimum payment each month --
may fm roqulrnd to provide c ard numbbr security information before you will be your Account has a balance (other iltan a credit balance). The minimum payment Is
parmlliad to com�ale the Transaction. In nddllion, yYou may obtain cash advances gy, al your Talal New Dalance, or S25.g0, whichaver Is greater, plus the amount or
ro m the credit on on and from other nndnclal institutions that accept Visa cards, and any alter mrnlmum pa aerate Nat you have not made, and any amount yyou are over
Irom some automaled faller machines (ATMs). (Nat ail ATMs accept Visa cards.) To your credit Iimll. The Credit Union also has the right to demand ImmBNato payment
oblaln cash advances from an ATM, ya )oust use the personal Identlllcafign number of any amount by which you are over your credit IimIL
PI N) Issuod to yGU for use with your cdtN. Yau agree lhatyau will not use your card
fror any transaction that is illegal under applicable federal, stale or local late. 7. PAYMENT ALLOCATION — Subiact to applicobla law your payments may be
3. RESPONSIBILITY —You agree to ' till charges (purchases and cash advances appliod to what you owe the Credit Union In any manner Ilia Gm It Unlon chooses.
ppaayy (p ) Wo may accept checks marked "payment in full" or with words of similar affect
to your Amount that are made by yau•rdr anyone whom you authorha to use your without losing any of our rights to collect the full balance of your account with us.
Account You also agree to pa yy all nn 161lon charges and other charges added to your
Account under the terms of lhls Agreeni or another agreement you made with the 8. SECURITY INTEREST -- H yyou give the Credit Union a specific pledge of shares
Credit Union. If this Is a Joint Account, 1 17 below arse applies to your Account. by slgning a separate pledge of sharos, your pledged shares will secure your Account.
4. FINANCE CHARGES — Nmrr urclhdsos pasted to our account during o blllln You may not wlihdraw amounts that have been speclUcolty pledged to secure your
P Y B Account until the credit union apruns to release all or part of Ilia pledgqe�d amount. In
cycle will not incur a finance charge fort /hot billing cycle It you had a zero or credit addition, your Account Is secured by all other shares you have In any In orlalni
balance at the beginning or that billing cycle or you paid the entire New Balance on account with the Credit Union, except for shares In an Individual Retirement Account
the previous cycle'; billing slalemenl by the Payment Due Date of that statement; orkhanyslharnccounl lhathvouldlosnspscial taxlreatmentundorstalaor (ederollaw
otherwise a finance chorea will accrue•from the dale a purchase is posted to your 11 �Ivan as securly. You authorize like Credit Union to apply the balance in yh }ur
accounLTa avoid an additional finance charge an the balance of purchases, you must Indlvlduai ar IIalnl share accounts to pay any amounts duo an your Amount If you
pay the entire New Balance on the billing statement by the Payment Dun Date of that should UofaulL Coiialeral securingg other loans you hovovrllh Iha Cradll Union may also
slalemenl. A nnanco charge begins to otbrus on cash advances from the date you get secure INs Ivan, exceppt that a dwellln tvlll ndver ba considered as security for Ills
the cash advance or from the first day cif the billing cycle It which the cash advance Account, nakvilhstending anything to Iha contrary in arty other agreement.
Is posted to your account, whichever Winter.
Ir 0. DEFAULT— You �r 1 be In default If you loft to make any mirdmum,payment or
The finance charge Is calculated separate .
llyy for purchases and cash advances. For other requlrad payment by the dnla t Il !s due. You will he In default If you break urchasos, the finance charge is compiiladby applying the monthly perledla rate to any promise you make under this Agreement. You will be In default if you die Inn for
P he average daily balance of purchases.)b gel file ave rage da lly balance of purchases, bankruptcy or become Insolvent, that Is, unable to pay your obligations whon they
we take the beginning outstanding batnce of purchases each day, add any new become due. You will be in default It ou make any false or misleading statements in
purchases, and subtract any pa Monts And/or credits. This gives us the daily balance any credit opplloallon or credit u a, You vrill also be in default II nomathing
of purchases. Than, via add all Iha dally balances of purchases for the bll cycle htappons thal the Cradll Union • s oy substantially reduce your ebtlily to repay
togalhor and divide the total by the number of days In the billing cycle. This aPves as what you own,
Iha average dally balance of purchasas.�
For cash advances, the finanrre charge I computed by applying the monthly poriadie When you are in del It, th red/ pion has the right to demand Immediate
rate to the averag dal/ balance of rash advances. o et the averse dale balance payment full ccaunt race without giving you arges II immediate
B Y � !� B Y pay s demo d, yy Dorm loco o paying finance charges, at the periodic
of cash advances, we lake the beginnln8:autstanding balance of cash advances each ra charged before tau until you owe has boon paid and any shares that
day, add in any new cash advances, and subtract any payments and/or credits that aro gl a ecurlly r urAcc unt may be applied tnverl whatyou own.
the apply to the cash advance balanda•. This Dives us the daffy balance of cash
advances. Than, vie add all the dally bdlances of cash advances lar the bill 0. LI OILITY R U UT FIRE USE-LOST /STOLEN CARD NOTIFICATION —
logalher and divide the total by the nurdbor of days in the blUing cycle. g as us ou agr to not y us I med t rely or in wrlling of 20 Sporting Green Drive,
Iha average daily balance of cash advages. hanf ur A 17 50 or elephono (717) 795 -0249 Mond aayy through Friday
Thu monthly paflodie rate for puref(nsas Is 0.7416° which s an NUAL 8,. A.M. to D P.M. 8 433.0505 Monday through Friday B :oa%K to 1MOO P.M,
PERCENTAGE HATE of 8.90%. The monthly per rata h acv races Is 991.498 only lour (241 hours a day, seven (7) days a week, of the lass
0.7415 %. which Is an ANNUAL PERCEt;1T'AGE a18.913%. he t a od use al your Cmdil Card. You may ba liable for the tmautharhaJ
e or yourCmdlt or You will not be liable for unauthorized use that occurs after you
- When yyou are sixty-one (61) days dW, nt In oldn a p ment the men y notify us of the toss, theft, or possible unauthorized use. You -will have no liability for
pariodlc rata on your account 1 1.59. nth, fs ANNUAL unauthorized purchases made with your credit card, unless you ore grossly neoligonl In
PERCENTAGE RATE of 1 .. fl ►Ina handling al your card. In any case, your Ilabllity vr01 not exceed 55D.
5. OTHER CHARGE ^ Th la ri at 'r orgas lees) III be ded to your 11, CHANGING OR TERMINATING YOUR ACCOUNT — Thu Credit Union may
Account, as applicable:1) changa the terms of th(s Agreement from time to lima. Notice of any change will be
given In accordance with applicable law. If permitted by law and specified In the
a. Ovar -Iho- Credit -1.1 Fan: You fie aharg a of $25.00 on a statement vat," to you, the change VIM apply to your existing Account balance as well as to
date if your Now Balance o that d , Ides nrry fees h posed during the cycle, Is over lulum Irensactfans.
your credit IImIL You will b charge tin lea each subsequent month until your Now plher you or the Credit. Union May terminate this Agreement of any time, but
Balance on the statement d a, less n foss Imposed during the cycle, is BELOW lerminatlon ou y g pa Ilia
You[ credit limit. 4, Account balance plus airy finance and other /
her charges you over Obli Agreement.
O CUIW MNVOI Gawp last, 200s b 127512�a cuttomh 101Ma 24911 CONTINUED ON REVERSE SIDE -
' tit
H
Ili.
A
Yr.
You are also responsible far all lronsac06hs made Is your Account after termination, 22. COPY RECEIVED — You acknowledge that you have received a copy of this
unless the transactions were unauthadzed. Agreement,
Thu Card or Cards you receive remain the property of the Credit Union and you must 23. SIGNATURES — By signing In the Signature area at the application form that
recover and surrender to the Credit Union all Cards upon raquast ar upon termination was attached to this Ag reement when you received iL you agree to the terms of this
at this Agreement whather b�yau or the Credit Union. The Credit Union has the right Agreomant You should detach this Agrnamant from the application and retain It for
la requlte you to pay your ulll Account "balance at any time sitar your Account Is your records.
lerminated, whether It Is lermirmiud Wyou or the Credit Union, it this Is a taint YOUR BILLING RIGHTS
Account, Section 17 of this Agreement olsa applies to tormiretion of tho Account KEEP THIS ROUGE FOR FUTURE USE
12, CREDIT REVIEW AND RELEASE OFANFORMATION —You authorize the Credit
Union to Investigate your credit standloglwhan opening or reviewing your Account This notice contains Impportant information about your rights and our rOSpanstbilRlos . .
You authorize the Credit Union to disclose Information regarding your Account to under the Fair Credit Variant
Act.
credit bureaus and creditors who Itiqulre"bboul your audit standing. II our account NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL —
Is ellglbla for emergenc ahand/or emergent P 11 Y Y and roplacemenl services, and you y tidnit our
mquesl such services y ou agree that we may provide personal information about bbl Is wrong, or If you need more Information about a transaction
you and your account )hal is necessary to provida you with the requested sarvlco(s). on your bill, write us an a soparain shoat at the address listed on our bnl. Write to
, i us as soon as passible. We must hear from you no later than sixty (60) days after we
13, RETURNS AND ADJUSTMENTS — Merchants and others who honor your Card sent you the Ilrst bill an which the error or problem appeared. You can telephone us,
may give credit for returns oradjustmems, and they will do so by sending the Credit but doing so will not preserve your rights.
U nion a credit slip which will be posted tgyyourAccount. Ityourcradtls and payments In your letter, luo es the following inlormatian:
exceed what you own the Credit Union ,ilia amount will he o had against future O
purchases and cash advances. if the credit balance amount Is S1 or more, It will be . Your name and account number.
refunded upon your written request or automatically attar six (6) months.
22V The dollar amount of the suspected attar.
14. ADDITIONAL DENEFFYS1CARD ENHANCEMENTS ---The Credit Union may from . Describe the error and expialn,11 you can, why you believe there is an error. 11
time to Umn alter additional services o your Account, such as travel accident you need more information, describe the Item you are not sure about
Insurance, at no additional cast to you, , You undarsland that the Credit Union is not
obligated to oiler such services and may.vtllheIruw or change them at any time. It you have authorized us to pay your credit curd bill aulamallmlly from your savings
or share draft account, you can stop the payment on an amount you think Is wrong.
15. FOREIGN TRANSACTIONS — Pu4mas and cash advances made In foreign
currencies will be debited from your account in U.S. delete. The exchange rain u slap the payment your letter must reach us thine 3) business days before the
a
between the transaction currency andjAhe billing currency used lot processing tomalie payment Is scheduled to occur.
International transactions Is a rate solocted by Visa from a range of rates available In. YOUR RiGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN.
wholnsala currency markets Jar the apppcabte central processing data, which rate NOTICE= r
mayvary from the rate Visa IlseN racalvp or the government- mandaled rofo In eifact We muss acknowledge your loiter within thirty (30) days, unless we have corrected
for the applicable central processing dale; The exchange rate used an the processing tit° error by then. Within ninety (90) days, we must either correct the error or explain
date may differ from the rate that would have been used on the purchase date or why via behave the bill teas correct.
cardhaldat statement posting data. 4
t After the receive our [otter we cannot try to collect any amount you quasdon or
A fee of 1% at the amountat the transaction, calculated In U,S, dollars will be imposed report you as dallnquenL We can continue to big you for the amount you quesllon,
on all foreign transactions, Including purchases, cash odvances and credos to your Including finance chat as, and we can apply an unpaid amount apoinst your credit
account. A foreign transaction Is any Irbnsacllon that you cornpleto or a merchant RmIL You do not have to pay any questioned amount while we are Investigating, but
completes on your card outside of the U.S., Puerto Rico or the U.S. Virgin Islands. you are sIIII obligated to pay the parts of your bill that are not In qunsdon.
16. MERCHANT DISPUTES —The Creglt Union Is not r°spponslblo for the refusal of If two find that we made a mistake on your bill, you will not have to pay any finance
any merchant ar financial Institution to lyonor our Card. The Credit Union IS Subject charges related to any questioned amount. 11 we didn't make a mistake, you may have
to claims and defenses (other than Intl 2 ialms� arising out of goods or services you to pa yy finance charges, and you will have to make up any missed payments on the
P urchase with the Card f you have mad . e good lallh attempt but have bean unable questioned amount, In either case, wo will send you a sletemant of the amount you
o obtain satisfaction from the merchan mr service providar, and (a) your purchase owe and the date that It Is due..
was made in response to an adverdsumbrit the Credit Union sent or parilclpatod in
s°ndl°UU to you; or (b) your purchase cost more than $50 and was made bi your slate 11 you fall to pay Ilia amount that ere think you owe, we may report you as dolinquenl.
or w)lhtn one hundred (100) miles of your home. However, It our uxplanallon does not saysfy you and yoU rlto la us whhin ton (1G)
iR days tall)ng us th
1
t.
7. JOINT ACCOUNTS —It Ihra Is a air Account aaah person on the AecOUnl must at you still refuse to pa , vie must tall) anyone we [apart you to ttha
sign the Agreement by slgnlnp on �a application), Each of you will be Individually You have a question about teur anyone And, we must loll you name of anyone an
and Joint res onsl fe for paying all amounts owed under this Agreement This rep you n us must tall arryana we [apart you to that the Muller has bean
Jointly settled between us tvhan it firmly Is.
means that Ilia redR Union can require a �y one of you Individually to repay the entire
amount awed under thin Agreement Each of you authorizes the others) to mate 11 we don't follow these rules, we can't collect the first $50 of the questioned amount,
purchases or cash advances lndlvldually, Any one of you may terminate [the Account . _ _ even If your big was carracL x
and the termination will be effective as (a oil of you. SPECIAL RULE FOR CREDIT CARD PURCHASES —
15. EFFECT OF AGREEMENT —This Araement Is the contract which appIles to 00 If you have a problem wlth the qualltp of proporly or services that you purchased with
transactions on your Account oven tho h the solos, cash advances, credit or other a credit card, and you have tiled In good lalth to correct Ilia problem with the
slips you sign or receive may contain dl orant forms. merchant, you may have the right t to pay the remaining amount due an the
19. NO WAIVER — The Credit Unloni aan delay enforcing nny of Its rights any Property orservlces. There are 2) Imitations on this right
number at Limas without lasing them. 1 You must have m e pinc n your home state or, It not within your home
20. STATEMENTS AND NOTICES — Stri)emenls and nations Will be mailed to you at stela, within one ndrad 0) s of your current mailing address; and
the most recent address you have giverk rice ihe Credit Union. Notice sent to any one of Th ust h• an n urn than $50.
you will be considered notice to all. ul se Ilmhaltons do t a ly if we n or operate the merchant, aril we mailed you
21. FINAL EXPRESSION —This Agreoonnt is the final expressian of the terms and a ad Ise nl fort e p party sOnAcos.
conditions of this VISA fine of credit between you and the Credit Union. Thls wr n
Agreement may not be contradicted by fividenca of arty alleged oral agra r
ry
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CORP 0613804719.2203 _
JOSEPH M TREESE
KATHLEEN M TREES
- Account Number: Statement Closing Date: -
Apri135,2012 '
Summary o: Account Activity _ Payment Sn£o rmarion
Previous Balance S 635.64 Nev Balance S 1,53a.09
Payments - 635.64
Total Minimum Payment Due •` NONE `-
Other Credits - o.00 "
Other Debits o.00 Payment - DUE Date 05110/12
Purchases . 1,538.09
Cash Advances 0.00 Late Payment Warning: IF WE DO NOT RECEIVE YOUR
Fees Chara_ed - 0.00 MINIMUM PAYMENT BY THE DATE LISTED ABOVE, YOU MAY
o.o0 HAVE TO PAY A LATE FEE UP TO $25
e -
t Charo_ed
NEW BALANCE 5 1,538.09 IF WE DO NOT RECEIVE YOUR MINIMUM PAYMENT BY THE -
DATE LISTED ABOVE, YOUR APR'S MAY BE INCREASED TO A
Credit Limit- 5 ?1,000.00 PENALTY APR OF UP "0 18.00%. - ..
Available Credit 20,46:.J0 "
Available Cash 20,460.00 Contact information
Amount Disputed 0.00
5taiem+nt Closing Da cc 04!15/1] Neromer Se rvite: (800) 433 -0505
Report Lost or Stolen Card: (117) 697 -34"14
Days in Billing Cycle _ 30
After Ho. re: (800) 991 -4961 -
Please send Billing IngUi and Correspondence to:
CUSTOMER SERVICE PO BOX 30495 TAMPA, FL 33630
Visit E n he web at:
- WN.W.eZCardS nfo.com
e Mail Your Paymen
AM'E RICH CE FN PO BOX C 9519 CAROL STREAM IL
51
6019] -49
MANAGE YOUR CA RD 'ACCOUNT ONLINE. IT'S FREE! IT'S EASY! SIMPLY GO TO WWW. EZCARD INFO.COM AND ENROLL IN OUR
ONLINE SERVICE. YOU CAN REVIEW ACCOUNT INFORMATION. TRACK SPENDING, SET ALERT NOTIFICATIONS, DOWNLOAD
FILES, AND MUCH .MORE. IWNAGING YOUR ACCOUNT IS FAST, SECURE AND EASY WITH EZCARDINFO. ENROLL TODAY!
Transactions
. _ Trans Data Post Date MCC Code Reference Number Description Amount
03/16 DJ /:6 59^ -1 24736932077007158112J10 CVRTIS LIQUOR STORES INC 5 44.48
C-5W EI MA
03/20 - .Ol /21 5411 24427332080720018972123 SHAW'S MARKET 09445 14.02
- COHASSET M. -
03/21 03/25 7538 24055222083207440200231 COASTAL AUTO CENTER 730.44
181- 610 -1000 MA
.. Page 1 of 2
- PLEASE DETACH COUPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE - ALLOW 5 DAYS FOR MAIL DELIVERY
AMERICHOICE FEDERAL, CREDIT UNION
20 'SPORTING GREEN DRIVE _
MECHAN ICSBURG PA 11050 - 2392 -
Check be, to indicate
me /address change
n back of this coupon
AMOUNT OF PAYMENT ENCLOSED
Closing Dace New Balance Total Hinz mum Payment Due Date
Payment Due -
04 /15/12 51.538.09 •• NONE •• 05/10/12 5
JOSEPH M TREESE
KATHLEEN M.TRRESE MARE CHECK PAYABLE TO
19 LEDGEWOOD FARM DR 188797
COHASSET MA 02025 - 2125 '60157C 519198'
AMERICHOICE FCU
PO BOX 4519
``
�. '02025'_'126190' CAROL STREAM IL 60197 - 4519
t1bM 19 4719 6220 1009 3909 00000000 0015380S
m
x
a�
CORP 061380 J %19 ti2201 NICHOLS M MCCLSN7OCK
1BB798
YICHOLE M MCC. I: "^ ^!'
Account Number: Statement Closing Da_.:
Apri115.2012
Transactions
—na Date Post Date MCC Code Reference Number - Description Amov nt
03/26 03128 5542 2469216208700015408444 SUNOCO 0012932007 S 46.03
- PAYMENTS, ADJUSTMENTS AND OTHERS
03/24 03125 6010 ]4]196220850010500 118.00 -
.PAYMENT - THANK YOU
- THANK T'OU
04/09 04 /IJ 6010 14020002101201330000090 235.00 -
PAT'MENT -
TOTAL PAYMENTS OR ADNSTMEN75 235.00-
' Interest Charged
04 /IS - US;iS 74719622105492106064009 86.03 ._
INTEREST CHARGE- PURCHASE
TOTAL INTEREST FOP. TN IS PERIOD 86.07
2 01 2 Totals Year TO Date
Total Fees Charged in 2032 S 0.00
Total interest Charged in 2012 $ 345.15
Interest Charge Cal ula Lion /Pl. Level vel Information
Flan De scr iption ICM1 Balance Subject Periodic Annual Pe xc.. ta9e Interest Ending ealanc e '
e Rate Rate (APR12 Charge
to Interest Rat
CURRENT
PURCHASES G S 11,598.90 0.7417 # 8.904 S 86.03
CASH - A s 0.00 01 74i]k' 8.90k S 0.00
PREY'
PURCHASES G 5 0.00 0.741]%' 8.90% 5 0.00
CASH A 5 0.00 0.]41]1. 8.901 S 0.00
FEES /INTEREST CHARGE S 0.00
TOTAL 8.901 S 86.03 S i1. 504. 65 1
ti ICM Interest Charge Method: Sete r e aide of Page 3 for explanation, i!■ +
Tour Annual Percentage Rate (APR' r the a ual t r t -f your a ,.
IVI Variable Rate. If you have a variable rate account s the periodic rate % Annual Percentage Rate (AM may vary.
d
COR? 081350 4-19.2201
106EPW M TREESE
KATHLEEN M TREE."- statement Closing Date:
Account Number:
May16,20
ummary of Account Accivi _ Payment Information
Previous Balance $ 1. 538.09 New Balance S 885.46
Payments - 1,578.09
' Total Minimum Payment Due NONE '
Other Credlts - 0.00
Other Debits - 0.00 Payment Due Date 06 /10 1i2
rchases - - 085.46
P a ah Advances - 0.00 Late Payment Warning: IF WE DO NOT RECEIVE YOUR
Fees Charged 0.00 MINIMUM PAYM6NT BY THE DATE LISTED ABOVE, YOU MAY
HAVE TO PAY A LATE FEE UP TO $25.
Interest Charged '
NEW BALANCE - 5 885.46 IF WE DO NOT RECEIVE YOUR MINIMUM PAYMENT BY THE
DATE LISTED ABOVE, YOUR APR'S MAY BE INCREASED TO A
Credit Limit S 22,000.00 PENALTY APR OF UP TO 18.00%.
Available Credit 21,114.00
- Available Cash 21,0089.00 Contact Information
Amount Disputed 0.00
5l.tam. nt Closing Data 05/16/12 Customer Service: (800) 437 -0505
Report Lost or Stolen Card: 1111) 691 -3414
Day, in Billing Cycle 11
After Hours: (8001 991 -4961
Please ae nd Billing In quiriea and Correspondence to:
CUSTOMER SERVICE PO BOX 30495 TAMPA, FL 33630
- _ Visit u n the web ae:
Vu e2CardInf o.com
Please Mail Your Payments to:
AMERICHOICE FCU PO BOX 4519 CAROL STREAM IL
60191 -4519
- MANAGE YOUR GIRD ACCOUNT ONLINE. IT'S FREE! IT'S EASY! SIMPLY GO TO WWW.EZCARDINFO.COM AND ENROLL IN OUR
ONLINE SERVICE. YOU CAN REVIEW ACCOUNT INFORMATION, TRACK SPENDING. SET ALERT NOTIFICATIONS, DOWNLOAD
FILES, AND MUCH MORE. MANAGING YOUR ACCOUNT IS FAST, SECURE AND EASY WITH EZCARDINFO. ENROLL TODAY!
T:... actions
Trans Dace Post Date MCC Code Reference Number Description Amount
04/15 0:/16 5542 24211682101006001150224 GULF OIL 92040101 5 10.00
COHASSET `LA
s4/16 04 /108 5812 24254112 ROMEO'S PIZZA-DAMAR IEC 66.83
DNLIRISCOTTA ME
0.1/11 04/18 5812 2405521.'.109286154900250 DAMARISCOTTA RIVER. GRILL 16.94
NOBLEBORO ME
Page 1. of 2
PLEASE DETACH COUPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE - ALLOW 5 DAYS FOR MAIL DELIVERY
AMERICHOICt, FEDERAL CREDIT UNION
20 SPORTING GREEN DRIVE
MECHANICSBURG PA 11050 - 2392
Check box to indicate -
me /address change
n back of this coupon -
AMOUNT OF PAYMENT ENCLOSED
Closing Data New Balance Total Minimum Payment Due Date
P"a" ' Due
OS /16/L2 $885.46 '• NONE •• 06/10/12 5
JOSEPH M TREESE -
KATHLEEN F! TREESE MAKE CHECK PAYABLE TO:
19 LEDG£WOOD FARM DR 99362
CON'SSET MA 02025 - 2126 '6019'!4519198'
AMERICHOICE FCU
PO BOX 4519
'0202 i212619J' CAROL STREAM IL 60191 - 4519
19 471.9 6220 1009 3909 00000000 00088546 5
I
.CORP 081360 4719.2201 JOSEPH M TREESE Page 2 of 2
KATHLEEN M TREESE -
Accaunc Number:
AMERICHOI CE FEDERAL CREDIT -ON Closing Oate: --------
Credit Limit: Available Credit: 99362
522,000.00 a21, 119.00
Transaccaons... Continued
- Trans -Date Post Data MCC Code Reference Number Description AmounC
.09/19 04/22 -58.2 24188942111670177539707 SAMOSET RESTAURANT 67.71
-NEW NARB.. ME
09/20 09/22 5921 247369321120092596 CURTIS LIQUOR STORES INC 55.48 „
COHASSET-KA
On/22 04123 55)3 24445002114000232796989 AUTOZONE 05114 68.16
WEYMOUTH MA
' 04/24 04/25 8099 24733092115207092900030 LEVIN fi ZANGRI LIA, P.C. 100.00
1 -740 -1546 MA- - - -
04/25 09/26 5921 24736932116009492929186 CVRTIS'.L IOUOR STORES INC 55.48
COHASSET MA -
09 /]0 JS /02 5592 24231682122006005816596 GULF OIL'91801638 52.02 .
'P SRI OGEWATER MA
05/01 05/03 5921 24736932123009916486184 CURTIS LIQUOR STORES INC 56.48
COHASSET MA -
05/01 05/03 5912 2444500212310040571 CVS PHARMACY 411 82 003 22,64
COHASSET MA
05/J2 05/03 5411 241640721230930308 25968 TARGET 00025320 15.00
HANGVZR MA
05/02 - 05/03 5912 244450021206002769200 WALGAEENS 44118 15.00 "
COHASSET MA -
05/05 05/06 5211 24426202126207399501046 HINGHA.M LUMBER COMPANY 22,63 .
COHASSET MA
DS /05 J5/06 5542 24231682127006001446948 GULF OIL-92040103 7.91
COHASSET MA
OS /Oe 05/10 5211 24426202130207)4950305] HING/fAM LUMBER COMPANY 29.17
COHASSET m1 -
05/09 05/11 5921 24736932131010402462903 CURTIS LIQUOR STORES INC 29.99
COHASSE]' MA
05/11 O5/i3 5.133 244273321327200236815 SHAtJ•S MARKET 47945 19.49
COHASSET MA
05/12 DS /i3 5411 24427332 780798 SHAW'S MARKET tl7445 89.07
COHASS ET MA
- OS /lJ 05/15 5921 247369121350106555127 CURTIS LIGUOR STORES INC 22.99
COHASSET MA - -
05/15 05/16 4899 24692162136000309688966 TIV•7110, SERVICE 12.95
tl77 -)(•7 -0486 CA
Payments, Adjustments and Others
05/09 05/09 0000 74719622130001M25119920 1.538.09-
,' PAYMENT - THANK YOU
TOTAL PAYMENTS OR ADJUSTMENTS 8 1.538.09-
2012 Totals Year To Data
Total Fees Charged in 2012 $ 0.00 _
Total interest Charged in 2012 5 0.00
Interest Charge Calculation /Plan Level Information
Plan Description ICM1 Balance Subject Periodic Annual Percentage Interest Ending Balance.
Co In[e rest Rate Rate Ra Ce (APR12 Charge
CURRENT
I
PURCHASES G $ 517.05 0.]417% 9.90} S 0.00
-- CASH A S 0.00 0.7417t 8,90" 5 0,00
PREV -
PURCHASES G 5 0.00 0.7417% 8.901 5 0.00
CASH - A 5 0.00 0.7417% 8.90% S 0.00 -
PEES /INTEREST CHARGE
TOTAL O.Oat 5 0.00 5 885.46.'
1 ICI Interest Charge Method: See r aid, Of Page 1 for explanation.
2 Your Annual Percentage Race A. is r the annual interest rate on your acclInt.
IV) - 'Variable Rate. If you have a variable race account the periodic rate and Annual Percentage Rate IAPRI may vary.
I
CGRP 0813s0 '171962201 -
i
JOSEPH M TREESE
KATHLEEN M TR=ES^
Account Number:- Scacement Closing Date:
j nel5, 2012
_.,mma t of Account Aetty -t_ Payment Information -
Previous Bn lance 5 Bd5.4fi New Bale nce 5 ¢18.1]
Pa3m,ents - 835.96 • -
Toral Minimum Payment Doe NONE
Other Credits - 0.00
' Ocher 11 t' its 0.00 Pa}•ment Due Date 07/10/12 .
Purchases
Cash Advances 0.00 Lace Payment Waiving: IF WE DO NOT RECEIVE YOUR
Fee. Charged 0.00 MINIMUM PAYMENT BY THE DATE LISTED ABOVE, YOU MAY
0.00 HAVE TO. PAY A LATE FEE UP TO 525.
Interest Charged -
NEW BALANCE $ 618.11 IF WE DO NOT RECEIVE YOUR MINIMUM PAYMENT BY THE
DATE LISTED ABOVE, YOUR APR's MAY BE INCREASED TO A
redic Ll— 5 22,000.00 PENALTY APR OF UP TO 1B.00t.
Available Credit 21,381.00
Available Cash _ 21,381.00 Contact Information
Amount Dispud 0.00
Statement Clo Date 06/15/12 C —comer Service: (800) 433 -0505 .
Report Lost or Stolen Card: (717) 697 -3414
nays in Billing Cycle 30
After Hours: (8o") 991-496l
Please send Billing inquiries and Correspondence co.
CUSTOMER SERVICE PO BOX 30495 TAMPA, FL 33630 _
Visit u n Che web at:
• . eZCat. ofo. tom
- Please Mail Your Payments t
AMERICHOI CE FCU PO BOX 4$19 CAROL STREAM IL '..
6019] -4519
MANAGE YOUR CE. CARD ACCOUNT ONLINE. IT.'S FREEI IT'S EASYI SIMPLY GO TO WWW. EZCk2DINFO.COM AND ENROLL IN OUR
ONLINE SERV ICE. YOU CAN REVIEW ACCOUNT INFORMATION, TRACK SPENDING, SET ALERT NOTIFICATIONS, DOWNLOAD
FILES, AND MUCH MORE. MANAGING YOUR ACCOUNT IS FAST, .SECURE I'D EASY WITH EZCARDINFO. ENROLL TODAYI
- Transactions
Trans Date Post Date MCC Code Re Eerence Number Description Amount.
O5 /15' 05 /L7 542 2a 2J1621370060051989 5 60.78
•GULF OIL 91030800 LEE MA
.05/16 OS/18 59 2473693 CURTIS LIQUOR STORES INC 24.49
CO-SSET MA '
05/19 05/21 59^ -1 247369321030991609615 CURTIS LIQUOR STORES INC 28.49
COHASSET MA -
_ .OS /.0 - 05/32 5812 24I9JOa 214192900013580252 42.63 ,
TAVERN ON 7 NORW'ALK CT -
Page 1. of 2
PLEASE DETACH COUPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE ALLOW 5 DAYS FOR MAIL DELIVERY
AMERICHOICE FEDERAL CREDIT UNION
20 SPORTING GREEN DRIVE
MECHANICSBURG PA 17D50 - 2392
Check box to indicate
m dd ck of re ss change
n be this coupon -
- - AMOUNT OF PAYMENT ENCLOSED
Closing Date. Neal Balance Total Minimum Pamen
yt Due Date '
Payment DNe.
06/15/12 $618.17 •• NONE •• 07/10/12 8
J05EPH M —ESE - -
KATHLEEN.M TREESE MAKE CHECK PAYABLE TO:
19 LEDGEWOOD FARM DR 99991
COHASSET MA 02025 - 2126 '601974519198'
AMERICHOICE FCU
PO BOX 4519
'0 ?0252126190' CAROL STREAM IL 6039 - 4519 '
19 4719 6220 1009 3909 00000000 00061817
i
e6i3B0 4'�. e__01
JOSEPH N TREESE ?age of
COP.? 2
_ RATHL'c EN M TR EESE
ACCOUnc Number:
AMERICHOICE FEDERAL CREDIT UNION Cr -invite Available Cred St: 99991
532,000.00 5]3,181.00
_ Transactions... Continued I
Descript
[ins Dace Post Date MCC Code Reference Number 1.05
05/21 05/27 5812 24011192147000007219460 MARIAS RESTAURANT ]].OS
SRAI N "i'R EE MA 100.00
05/22 05/23 0099 24 ]31092 14120 ]042400016 LEVIN 6 2ANGRILLO, P.C.
]0t -]n 0 -1546 MA '
05/29 05/25 5921 24'36932145000150502616 CURTIS LIQUOR STORES INC 50.98
i
COHASSF,. MA 46.'!2
05/29 05%70 5310 242253921503E 0815155965
WAL- *1.'.H Ta53B0 HMOVER MA 21.24
05/29 OS /l0 5911 '_41640]3150091010]]2922 TARGET 00025320
HANOVER MA 15.00
- 05/30 - O5/31 5912 249450021526002 NALGREENS 84118
COHASSET MA I
06/05 06/06 5921 2473693215 CURTIS LIOUOR STORES INC 90.96
COHASSET.MA 59
06/08 06 /1i 5812 243889421626]0]40483048 SAMOSET RESTAURANT
NEW HARBOR ME paymen CS, Adjustments and Others
06/0' 06/0] 0000 74719622159001M29429050 885.46 -
• PAYMENT -
THANK YOU
TOTAL PAYMENTS OR ADJUSTMENTS $ 805.46- 0
2012 Totals Year To Date ,
Total Fees Charged in 2012 9 0.00
Total InCerest Charged in 2012 5 0.00
Inheres. Change Calculation /Pla. Level Information
Plan Description ICM1 Sa lance Subjech Periodic AxuiLL Percentage Inheres[ Ending B111-1 Co InteresC Race Race Rate (A PR)2 Cherge
CURRENT
.PURCHASES G 5 410.50 0.7417k 8.90} 5 0.00
CASH A S 0.00 90k S 0.00
PREV
'PURCHASES G 5 0.00 0.]41]t 8.901 5 0.00
CASH A S 0.00 0.7417. 0.90§ S 0.00 _
'FEES /INTEREST CHARGE 5 0.00
- 0.00! 5 0.00 5 618.17
TOTAL
1 ICM Interest Charge Method: Sol se side of Page 1 for explanation.
- -
-2 5'our Annual Pe zc enrage Race IA PRI a is r C he a u.1 interest rate on your and (VI = Variable Rate. If v u have d riable rate aocount the rate Annual Percentage Rate CAPRI may vary.
g �
6
a
s
CORP 09:350 4 %19c22 o1
i
JOSEPH M TRSESE'
KATHLEEN M TREES -
ac cow,t Nu ber: SCatemenC Closing Date:
Jul y16,2012"
Summary of Account Activity Payment Information ,
Previous Balance S 618.17 New Balance S 1,294.89
Payment. 0.00
Total Minimum Payment Due 626.00
Other Credits - - 0.00
Other 'Debits' . 0.00 Payment Due Dace 08/10/12
- ..ha... 610.01
Cash Advances - 0.00 Late Payment Warning: IF WE DO NOT RECEIVE YOUR
Fees Charged • 0.00 MINIMUM PAYMENT BY THE DATE LISTED ABOVE, YOU MAY
6.71 HAVE TO PAY A LATE FEE UP TO 525.'
Interest Charged
- NEW BALANCE S 1,294.89 IF WE DO NOT RECEIVE YOUR MINIMUM PAYMENT BY THE
DATE LISTED ABOVE, YOUR APR'S MAY BE INCREASED TO A
redic Limit
S 22,000.00 PENALTY APR OF UP TO 18 .00}.
Available Credit 20,105.00
available Cash - 20,628.00 Minimum Payment Warning: if you make only the m m payment
Amount Disputed 0.00 ach period, you will pay m in serest and it will Cake you longer to
S t.tlment Closing On [e - 07/16/33 pay ofF your balance. For example;rn .
Days in Billing Cycle 31 If you make no You will pay off the And you will end up
additional charges balance shown on this paying a estimated
' - ing Chi. card and statement in about ... co cal oE. ..
each month you pay...
Contact Information
Only the m im
um 6 year(.) 51,639.00
Customer Service: 1800) 433 -0505 payme nt
Report Lost or Stolen Card: (717) 697-3474
41.00 3 years S 1,4a0.00
After Nou rs: (000) 991 -4961 Isavings•$159.001
Please send Billing Inquiries and Correspondence to.
CUSTOMER' SERVIC E' PO BOX 30495 TAMPA, FL 33630
If you would like information about credit counseling services,
call (877)277 -4932.
s
Vs i us on the web at:
. ZCa rtlinEo.00m
.Please Mail Your Payments t
AM ERICH01 CE FN PO BOX 4519 CAROL STREAM IL
60197 -4519 -
MANAGE YOUR CARD ACCOUNT ONLINE. IT'S FREE! IT'S EASY! SIMPLY 00 TO WWW.EZCARDINFO.COM AND ENROLL IN OUR
ONLINE SERVICE. YOU CAN REVIEW ACCOUNT INFORMATION, TRACK SPENDING. SET ALERT NOTIFICATIONS, DOWNLOAD
FILES. AND MUCH MORE. MANAGING YOUR ACCOUNT TS FAST, SECURE AND EASY WITH EZCARDINFO. ENROLL TODAY!
Page I of 2
PLEASE DETACH COUPON AND RE'I..N PAYMENT USING THE ENCLOSED ENVELOPE - ALLOW 5 DAYS FOR MAIL DELIVERY
AMERICHOICE FEDERAL CREDIT UNION
20 SPORTING GREEN DRIVE
MECHANICSBURG PA 17050 - 2392
Chet h, c indicate
me /addrddr ess change
o n back of this coupon
AMOUNT OF PAYMENT ENCLOSED
Closing Dale New Balance Total Minimum Payment Due Date
Pay, Pt Due
07/16/12 $1,294.89 626.00 08/10/12 S
JOSEPH M TREESE
KATHLEEN M TRESSS MAKE CHECK PAYABLE TO:
19 LEDGEh'OOD FARM DR 99910
COHASSET MA 02025 - 2126 '601974519198'
_ AMERICHOICE FCU
PO BOX 4519
'020252126190' CAROL STREAM IL 60197 - 4519
- 19 4719 6220 1009 3909 00002600 00129489 4
CORP 091380 4 %1962201 - JOSEPH M TRESSE Page 2 of 2 itATHLR- Account Number:
AMERT CHOSCE FEDERAL CREDIT UNION Closing Dd te:
C r edit Llmit: Available Credit: 999'+0
S22, 000.00 $20,]05.00
Transactions
Trans Data Post Date MCC Code Reference Number DescYi pion Amount
; 06/16 - 06/18 '5921 2477693216900099 a 577326 CURTIS LIQUOR STORES INC S 55.28
COHASSET MA
06/27 06/24 5921 24 ]769J217500115 COATIS LIQUOR STORES INC 82.36 -
_ COHASSET MA -
06121 06/25 5814 24223692176703846931477 31.75 -
WAHLBURGERS HINGHAM MA
06/24 - 06/26 5812 240133921]]001483089]19 THE SEA GULL SHOP 30.58
NEW HARBOR ME. '
06/28 06/29 5812. 2442]312180060000123]39 SHAWS FISH 6 LOBSTER W 31.96
NEW HARBOR ME
- 06/28 06/29 5411 24427332180060000369635 HANNA FOR 88141 30.00
DAMARiSCOTTA MF.
06119 - 07/02 5812 243889421036 SAMOSET RESTAURANT 37.67
NEW HARBOR .ME -
07/01 - 07/03 SSal 24610432184004075070395 69.]8 -
MIKE'S PLACE NEWCASTLE ME
07 /O6 07i08 5812 24]3309218920046480045 NINO'S STEAK a CHOP HODS 72.08
HINGHAM MA
D] /06 07/09 5921 24]76932190000461503141 CURTIS LIQUOR STORES INC 42.96
COHASSET MA
07/11 07/12 5577 24445002194000238 399542 AVTOZONE 65114 67.97
MOUTH MA
E 07/13 07/16 SB 12 243889421976703426361
1' 27 SAMQBET RESTAURANT a2.a5 -
NEW HARBOR ME . 1
07/15 07 /16 5411 24427332197060000358415 HAINAFOR0 48141 80.06
JAMARI SCOTTA ME
Interest Charge
01/16 07/16 747'_9622198457190064000 6.71
INTEREST CHARGE - PURCHASE
- TOTAL INTEREST FOR THIS PERIOD S 6.71
2012 Totals Year To Date
Total Fees Charged in 2012 S 0.00
Dotal interest Charged in 2012 $
interest Charge Cal— i—ti Level In Eornation
Plan Des<ript ion ICM1 Balance Subj act Period i< Annual Percentage Inceresc Ending Balance
B Interest Race Rare Race (A PR )2 Charge
CURRENT
PURCHASES G S 904.78 0.7417! 8.90t 5 6.71
CASH _ A S 0.00 0.741 %1 8.901 5 0.00
PREV
PURCHASES $ 0.00 0.7417. $ D. 00
CASH A 5 0.00 D.]411. B. 90k $ 0.00
FEES /INTEREST CHARGE S 0.00
TOTAL 8.901 S 6.71 5 1,294.89
1
'CM Inceresc Charge Method: See r se side of Page 1 for explanation.
2 Your Annuai. Percentage Rate _f APRI e l s the annual interest rate on you
a unt.
lVl - Variable Race. if you have a variable rate account the periodic r and Annual Percentage Rate (APR) may vary.
CORP 081160 471962201
JOSEPH M TREESE 1
KATHLEEN M TREE6 Statement Closing Date:
Account Number: Augustl6,2012
Summary of Account Activity Payment Information
Pt'evi ous Balance 6 1.299.89 N_ Balance S 1,722.48
Pa yme ncs - - 400.00
' Total Minimum Payment Due NONE
other Credits
ts 0.00 Pa yment Due Date 09/10/12
Ocher Debi
Purchases - 415.03
Cash Advances 0.00 Late Payment Warning: IF WE DO NOT REC E I VE , YOUR
Fees Charged MINIMUM PAYMENT BY THE DATE LISTED ABOVE, YOU MAY
12.56 HAVE TO PAY A LATE FEE UP TO 525.
Incereac Charged -
NEW BALANCE S 1, IF WE DO NOT RECEIVE YOUR MINIMUM PAYMENT BY THE
DATE LISTED ABOVE, YOUR APR'S MAY BE INCREASED TO A
Credit Limit 5 21, 000. JO PENALTY .APR OF UP TO 18.00 t. _
Available Credit 20,277.00
Available Cash 20,2]].00 Minimum Paymenc Warning: If you make only the m n m payment o
Amount Disputed 0.00 each period, you will pay m in interest and it Will Cake you longer [
Statement Closing Dace 08/16/12 pay off your balance. For example:
Days in Billing Cycle' 31 If you make no You Will pay off the And you will end up
addic ional charges balance shown on this paying an estimated
_ ing this card and statement in about ... t o of ...
• each month you Pay...
Contact Information
only the m lm
1 um ] year(.) 52.318.00
Customer Service: (800433 -0505 pa yment
.Report Los t. or Stolen Card: (11]) 691-3474
55.00 3 years $ 1.969.00
After Hours: (000) 991 -4961 (Savings�SJ49. 00)
Please send Billing Inquiries anal Correspondence to:
CUSTOMER SERVICE PO BOX 30495 TAMPA, FL 33630
If you Would like in£ozmation about credit counseling services,
call (8]772]] - 4932.,,
the Web ac.
a on ww•e ZCardinf0.eom.
Please Mail Your Pa l+oent. to -
AMER ICHOICE FCU PO So., 4519 CAROL STREAM IL
6019] -4519 _
I
MANAGE YOLK CARD ACCOUNT ONLINE. IT'S FREE! IT'S EASY! SIMPLY GO TO WWW.EZCARD INFO.COM AND ENROLL IN OUR
-- - ONLINE SERVICE, YOU CAN REVIEW ACCOUNT INFORMATION, TRACK SPENDING. SET ALERT NOTIFICATIONS, DOWNLOAD -
FILES, AND MUCH MORE. MANAGING YOUR ACCOUNT IS FAST. SECURE AND EASY WITH EZCAADINFO. ENROLL TODAY!
Page 3 of 2
PLEASE DETACH COUPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE - ALLOW 5 DAYS FOR MAIL DELIVERY -
AMERICHOi CS, FEDERAL CREDIT UNION
20 SPORTING GREEN DRIVE
- 'MECHANICSBURG PA 17050 - 2392
Check box to indicate
me /address change
o n back of this coupon
AMOUNT OF PAYMENT ENCLOSED
Closing Date Nev Balance Total Minimum Payment Due Dace
Payment Due
0B /16/12 - 51,722.58 •• NONE •• 09/10/12 5 !
JOSEPH M TREES'e
KATHLEEN M- TRE£S£- MAKE CHECK PAYABLE TC1:
19 LEDGEWCOD FARM DR 16464 '
COHASSFT MA 020]5 - 2126 1 601974519198'
AMERICHOICE FCU
PO BOX 4519
'020252126190' CAROL STREAM IL 60197 - 4519
19 4719 6220 1009 3909 00000000 00112248 5
!
CORP 081300 4]19. -1 JOSEPH M TREESE Page 2 of 2
- KATHLEEN M TREES'c
Account Number:
. AMERICHOi CE FEDERAL CREDIT UNION Closing Oa te:
Credit Limit: Available Credit: 16464
S22, 000.00 S20, 2]].00
Tran sec cions
TI'ans Dace Post Oat, MCC Code Reference Numb,r Description Amours[
0� /16 0]/1] 5911 2442]33219 RO F000036434 HANNAFORD 18141 5 13.53
DAM,A I orra ME
01/16 v ^] /i] 5251 2422443219910900" DANJIR ISCOTT.A HAROW 62.00
DAMARISCOTTA ME
07/17 0 - 1 /16 5812 24270742199308053BID BRICKS RESTAURANT 28.24 '
ROCKLAND ME
0 %/19 .0]/20 5411 244211322010E0000355052 HANNA FORD 08141 62.15
DAMARISCOTTA ME
' 07/20 ,07/22 5542 24]330922032580003]10 GI805 TOPS HAM 09689 65;54
'rOPSHAM ME
- ,0](21 01/22 5411 24421312203120022351 SHAW'5 FIAR KET 47445 20.50
COHASSGT MA
07/21 0]/23 59 247369322040012B24945 CURTIS LIQUOR STORES INC 21.49
COHASSE]' MW
0] /23 01/24 5411 244273322050600003 HANNA FORD 48141 60.03
DAMARISCOTTA ME
01 /23 - 01/24 5045 2402529220623294039 3]74 20.99
• WOOT. CnM SERVICE ®WOOT. TK
07/26 0]/2] S812 240133922080015391]122 The Contented Sole 40.30
NEW HARBOR ME
07/21 07/30 5812 2438894221167036526 SAMOSET RESTAURANT 70.61
NEN' HARBOR ME -
. -0 7/26 01/70 5921 24]36932211001]]351428 CURTIS LIQUOR S'roRES INC 28."9
COHASSET MA 55.81
0.%/28" - 01!30 5592 2423168221100600038832 GULF OIL 91800788
WOOLWICH ME
01/30 0]/31 5912 24445002213600250298303 WALORSENS 04118 30.00
COHASSET MA - - -
Wei OR /02 5921 29]3693221900004294900] CURTIS LIODDR STORES INC 53.98
COHASSET MA',
Oe /06 Os /O9 5921 24 736932220000435412 CURTIS LIQUOR STORES INC 22.59
COHAESET MA -
'08 /OB OB /30 $921 24736932n 2000551468021 CURTIS LIQUOR STORES INC 28.99
COHASS'ET'MA
OB /t0 08 /ll 5812 24193042225900011446]8] 11.37
TAVERN ON NORHALK CT
J8 /32 00/13 5921 24]36932225000%52534929 CURTIS LIQUOR STORES INC 49.98
CONASSET MA- Payments, Adjustments and Others
OB /09 - 08/09 0see 7471962222200IMSIS28360 400.00 -
PA,MFN'r - THANK YOU ,
TOTAL PAYMENTS OR ADJUSTMENTS S 400,00-
' - Interest Charge j
08 /16 08/16 74119622229444229064004 12,56
♦ INTEREST CHARGE - PURCHASE
- TOTAL INr9REST FOR THIS PERIOD 5 :2.56
2012 Totals Year To Date -
Total Fees Charged in 2012 S 0.00 i..
I I
Total inte rest Charged in 2012 S 19.27
Interest Charge Calculation /Plan Level Infol'ma ciao
Pe ri edit Annual ? enrage Zn[<rest Ending Balance
Plan Description ICM'! Balance Subject Race Rate Charge
to inc .rest Rate
.CURRENT
PURCHASES G $ 1,694,05 0.]41]1 8.90t $ 12.56
CASH A 5 0.00 901 5 0.00
PREV
PURCHASES G 5 0.00 0,]4171 8.90} S 0.00
CASH _ A S 0.00 0.14111 8.90} 5 0.00
FEES /INTEREST CHARGE 5 0,00
8.90} B 12.56 $ 1,122.48
TOTAL
1 ICM Interest Charge Method: See i side of Page 1 for explanation. '
Yaur Annual Pe rte nta9e Race IAPRI a is r t he a ua1 interest rate on your a u t.
(v) - Variable Rate. I: you have a fable race account the periodic ra.e and Annual Percentage Rate (APR) may vary.
i
CORP'.08138n 47196]201 - -
JOSEPH M TREESE
KATHLEEN M TR Scat ement Closing Dale:
Account- NUmbe.
Sep to mbez 16,2012
Sum -nary of Account ActiVity Payment Information
Pt'evious Balance 5 1,722.48 New Balance $ 3,185.64 '
P,nts $64.00
Total Minimum Payment Due
Ocher _C retlits - 0.00
Ocher Debits 0.00 Payment Due Date 10/10/12
1—h... - 1,445.14
Cash Advances 0.00 Late Payment Warning: IF WE DO NOT RECEIVE YOUR
Fees Charged 0.00 MINIMUM PAYMENT BY THE DATE LISTED ABOVE. YOU MAY
18 .02 HAVE TO PAY A LATE FEE UP TO S25.
Interest Charged
NEW BALANCE' - $ 3,185.64 IF WE DO NOT RECEIVE YOUR MINIMUM PAYMENT BY THE
DATE LISTED ABOVE, YOUR APR'S MAY BE INCREASED TO A
Credit L[mic S 22,000.00 PENALTY APR OF UP TO 19.00t.
Available Crcdit 18,814.00
Available cash 19,62.00 Minimum Payment Warning: If you makecerly the m n m payment
Avala 7 '. to
Amo nc u Di spu ced 0 each pe ri od yo For example:
u will pay m in esC and it take you longer
Statement Closing Dace 09/112 pay off you b lance. [
Days in Billing Cycle 31 11y', make no You will pay off the And you will end up
atldit io..I charge. balance shown o chic paying a c mated
using this and and state menc in about ... totals If
each month you pay...
Contact Info rma cian
Only the minimum 11 year(,) $4,645.00
Cu.:Ome [' Service:_ (d 001 433 -0505 Payment
Report Lo sc.or - Stolen Card: (717) 697 -3474
101.00 3 year, $ 3,642.00
Hours: 10001 991 -4961 (Sa Vings =$1,00].001 it
Please se.d Billing Inquiries and Correspondence to. -
CUSTOMER SERVICE PO BOX 30495 TAMPA, FL ]]670
If you would like information about credit counseling 8—tee .
- - call (8771277 -4932.
Vi sit U-' the web at: _
e2Cardlnf o. tom
Please M l Your Payments to:
AMERICHOICE FCU PO BOX 1519 CAROL STREAM 1L
60197 -1519 _
.ANAGE YOUR GIRD ACCOUNT ONLINE. IT'S FREE! IT'S EASYI SIMPLY GO TO WWW. EZCARDTNFO.COM AND ENROLL IN On -
ONLINE SERV ICE..YOU CAN REVIEW ACCOUNT INFORMATION, TRACK SPENDING. SET ALERT NOTIFICATIONS, DOWNLOAD
M
'FILES. AND UCH MORE. MANAGING YOUR ACCOUNT IS FAST, SECURE AND EASY WT- EZCARDINFO. ENROLL TODAY!
NOTICE: CONTINUED ON PAGE 3
Page 1 of 3
RETURN DETACH CCUPON AND REU PAYMENT USING THE ENCLOSED ENVELOPE - ALLOW 5 DAYS FOR MAIL DELIVERY
A.MERICH.OICE FEDERAL CREDIT UNION'
20 EPORTING GREEN DRIVE
MECHANICSBURG PA 17050 - 2392
Check box to t cats
me /adtlr ss change
on back of f this coupon
' AMOUNT OF PAYMENT ENCLOSED
Closing Date New Balance Total Minimum Payment Due Date -
Payment Due
09116/12 >3.IeS.64 564.00 .10/10/12 S
I
JOSEPH M TREESE
- - KATHLEEN M TREESE MAKE CHECK PAYABLE TO:
-- 19 LEDGEWOOD FARM DR 100171
CORASSET MA 02025 - 2126 '601974519198'
AMERICHOICE FCU
- - PO BOX 4519
'020 ?52126190' CAROL STREAM IL 60197 - 4519
19 4119 6220 1009 3909 00006400 00318564 6
CORP 081390 47196 -.a - JOSEPH M TREESE Page 2 of 3
- KATHLEEN M TREESE
Account Number:
AMERICHOICE FEDERAL CREDIT UNION Closing Date: 100171
Credit Limit: Available Credit:
522,000.00 S18,814.00
Trans. ctione
Ti'n ns Data Past Date MCC Cod, Reference Number Description Amount
OP /li 08/19 5921 247369322310011206IBS56 CURTIS LIQUOR STORES INC $ 22.49
'COASET l 19.25
OB/22 08111 5175 24692762235000492913957 Amazon Services -Kindle
866 -12.1 -8851 WA
00122 08 /2J 5735 2469215223500049373466 Amaion Serv4ces - Kindle 9.99
966- 321 -BBS1 WAS
OB /Z] 08/26 5921 2971693223 CURTIS LIQVOR STORES INC 39.98
COHASSET MA
O8/24 OB /26 5542 292316822380060085e313 GULF OIL 92078826 59.06
BL.ANOFORD MA
08/27 08/2fi 5411 29427]3.240060000319 HANNA FORD 48141 163.19
DAMARISCOTTA ME:
OB/27 06!28 5411 24427332240060000322699 HANNAFORD 48141 30.00
DAMARISCOTTA ME
08/27 08129 5812 24300942291670114 BAMOSET RESTAURANT 77.51
NEW HARBOR ME -
08/28 08/29 $812 244273322410800001187 EHAWS FISH 4 LOBSTE 71.25
NEW HARBOR ME
09/29 08/30 5755 24692162242000504495366 Amazon Services - Kindle 15.99
866 -321 -8851 WA
08/29 08130 5135 24692162242000506144699 Amaion Services - Kindle 18.70
966- 121- 6851.WA
OB/39 06/30 5912 24692162242000555612026 AMAZON MKTPLACE 2MTS 92.73
AMZN.COM /BILL WA
' 08/30 08/31 5411 24427712247060000769986 HANNA FORD 48141 98.73
DAMARISCOTTA ME
08 /30 06131 5251 24224432244104008506 DAMARISCOTTA HARDW 35.66
DAMJ.R ISCOTTA ME
OP /31 09371 5192 2469216224400097922953 BARYES 6UOBLE•COM 200.70
800 -843 -2665 NJ
09!07 09/05 5911 24224932248309009 C E RESLLY AND SON 21.72
NEW HARBOR ME
' � 09/05. 09/06 8099 24733092250207110000030 LEVIN fi 2ANGRILL0, P.C. 300.00
701= 750 -159' MA
09/01 09/07 1538 24055222250.3 COASTAL AUTO CENTER 32.20
COHASSE'r MA
09/- 09/10 5812 24388942253670116189618 SAMOS ETRES TAU-T 25.73
NEW HARBOR ME
09/09 09/11 Sall 24254772254453715000056 WENDY'S ITO PS HAM) 11.71
TOFSHAM ME
09/09 09/11 5921 2473693225400057859582 CURTIS LIQUOR STORES INC 54.98
COHASSE'r'MA '
09109 09/13 5592 24231682254006000974143 GULF OIL 91800788 65.99
WOOLWICH ME
09/34 09/16 S812 241226922590043102 VICTORIA'S 27.56
.790 CHIEF - JUS MA -
Interest Charge
_ 09/16 - - 09/16 74719622260452260064DD7 18.02
INTEPEST CHARGE - PURCHASE
_ TOTAL INTEREST FOR THIS PERIOD S 18.03
2012 Totals Year To Date
Total Fees Charged in 2012 $ 0.00
Total Interest Charged in 2012 $ 37.29
I
Interest Charge Calculation /Plan Level Information
Plan Description 1CML Balance Subject Period's Annual Percentage Interest Ending Balance
to Inte[e at Rate Rate Rate 1APR12 Charge
CURRENT
PURCHASES G S'2,429.30 0.79171 8.90% S 18.02
CASH A S 0.00 0.7411t 8.90% S 0.00 _
PREY
PURCHASES G S 0.00 0.79177 8.90% $ 0.00
,CASH A $ 0.00 0.7417% 8.90% $ 0.00
I
l
■
COF.F ^5380 1 %19a2 _'JI SOS EPH M TREESE Page 1 of l
- KATHLF- M TRF.FSE
ACCOU.nt Number:
AHEM CHOICE FEDERAL CREDIT t.16 Closing Date: ..• -ei .�
C11d it Limit: Available C[edie! 100111
522.000.00 518.815.00
Interest Charge Calculation /Plan Let,. 1,f— Lion... continued
' Periodic Annual Percentage Inceresc Ending Balance
Plan Description ICM1 Balance Subject Ra Ce Race (APR)2 Charge
to In,_ Race
FEES /-TERSST CHARGE $ 0.00
TOTAL 8.901 5 18.02 1,185.61
1 Intl re sc Charge Me :hod: See side of Page 1 t— explanation.
IC"
1'uu Annual P-cenra ge Rate (A PRI s a Ual lnte [e at Y t n yoUZ a unC.
IV) Variable Race. 1f you have a variable race account the periodic rat and Annual Percentage Rate (APR) may vary.
. E
E
E
Ill
CORP OB I]BO_4 II I
JOSEPH M TREESE
'KATHLEEN M TREE Statement Closing Dace:
Account Number: October16,2012
Summary of Al counr Activity Payment Information
S 3,014.98
S 1, 195.64 New Balance
�.,
Previous Balance _ ,00. 00
Payments Total Minimum Payment Oue NONE
Ocher Credits - 0.00 11/10/12
Other -0ebits 0.00 Pa yment Due Date
Purcha sc., - 507.46
a O.DO Late Payment Wa [n ing: IF HE DO NOT RECEIVE Y
C uh Ativan tea OUR
M PAYMENT BY THE DATE LISTED ABOVE, YOU MAY
Fees Charged 0.00 MINIMU
?1.88 HAVE TO PAY A LATE FEE UP TO 925:
Interest Charged 5 1019.98 IF WE DO NOT RECEIVE YOUR MINIMUM PAYMENT BY THE
,
NEW BALANCE DATE LISTED ABOVE, YOUR APR•S MAY BE INCREASED TO A
Credit Limit 5 22,000.00 PENALTY APR OF UP TO 18 00%.
Available ereLic 18,985.00
18,965.00 Minimum Payment Warning: If you make only the m n m Payment
Available Cash 0.00 ach Period, you vi11 pay m i in terest and it ill Cake you longer to
AmaunC Disputed 10 /lb /12 pay ofE your balance. For exa mple:
Statement Closing Dace -
Da 30 If you make no You Will pay off the And you pill end up
ys i n Billing Cycle additional charges balance shown on this paying a estimated
ing this card and statement in about ... local of...
us
each month you pay...
Contact Information (s1 84,1'13.00
_ Only the minimum 11 year
Cu etemeY
10001 433-0505 payment
ServicC:
Report LosC or Stolen Card: 1717) 69'1 -347a 96 DO 3 years 9 3.447.00
(Savings - 5926.00)
-After Hours: (8001 991 -4961 Co:
' Please. send Billing Inquiries and Correspondence
CUSTOMER SERVICE PO BOX 30495 TAMPA. FL 33630 If you Would like information about credit counseling services,
call (87]12'!7 -4932.
Visit a ,.h,. -eb at.
WW W. sZC.rdr.f..com
Please Mail Your Pa Yments to:
AMERIC.0ICE FCU PO BOX 4519 CAROL STREAM IL
60197-4519
MANAGE YOUR CARD ACCOUNT ONLINE, IT'S FREE! IT'S EASY! SIMPLY GO TO WW' . EZCARD INFO.COM AND ENROLL IN OUR
ONLINE SERVICE. YOU CAN REVIEW ACCOUNT INFORMATION, TRACK SPENDING. SET ALERT tI0TI FI CATI0N9. DOWNLOAD
PILES, AND MUCH MORE. MANAGING YOUR ACCOUNT IS FAST, SECURE AND EASY WITH 'e ZCARDTNFO. ENROLL TODAY!
Page i of 2
PLEASE DETACH COUPON AYD RE SRN PAYMENT USING THE ENCLOSED ENVELOPE - ALLOW 5 DAYS FOR MAIL DELivERY
AMERICHOICE FEDSRAL CREDIT UNION
20 SPORTI NO GREEN DRIVE
MECHANICSBURG PA 17050 - 2392 Check Do, to indicate
- - me /address change
n back of this coupon -
AMOUNT OF PAYMENT ENCLOSED
Closing Dace N— Balance Total Minimum Payment Due Date
Payment Due
10116112 $3.019.99 •• NONE •• 11/10/12 S
JOSEPH M TREESE MAKE CHECK PAYABLE TO:
KATHLEEN M TREESE 100799
19 LEDGEWOOD FARM DR 1601974519198'
CONASSET MA .0202S - 2126
AMERICHOICE FCU
PO BOX 4519
CAROL STREAM IL 60197 - 4519
' '02025'_'126190' i
19 4719 6220 1009 3909 00000000 00301498 0
I
CORD 091390. 4719ti2201 - JOSEPH M TREES. Page 2 of 2
Account Number:
AMERICHOICS FEDERAL CREDIT UNION Closing Da-: _- l"f. e Credit: IOG788
Credit Limit: I'll labl
522,000.00 518.985.00
Transactions
a[e POBC Da co MCC Code Reference Number Description Amount
Trans D
09/15 09/17 5921 24]]69]226000094652292 CURTIS LIQUOR STORES INC 5 51.48
COHASSET MA 52.98
' 0.9/21 09/23 $921 2477691226600124 ]690697 CURTIS LIQVOR STORES INC
. COHASSET MA
09/24 09/25 7394 247330922692062]4900 J'S EQUIP NR PARTY PAIL _ 79.69
HANOVER MA 13.25
09/25 09/27 5912 244318622709800170539]8
• BROHN BAG TROY NY 09 - 35.50
/25 09/2 5542 2423168227000600268615
• GULF o;L 92038900 LEE MA ]0.00
09/26 09/27 5912 24445002211600213 wALGRE 8:15 84118
COHASSET MA 16.00
.09/26 04/20 - 7216 24412902271980001443831 COHASSET PLAZA CLEANERS
COHASSET MA,
09/28 09 /JO 5921 24736932213001654685158 CURTIS LIQUOR STORES INC 47.48
COHASSET MA- 47.48
_ 10/02 1O 304 5921 2d 716932277000198919668 CURTIS LIQUOR STORES INC
COHASSET MA 22.99
' 10/07 18/09 5921 2473693228200044694 CURTIB LIQUOR STORES INC
COHASSET MA
10/08 '10/09 5200 24692162202000046437364 41.14
- LGwES -758' PEMBROKE MA 25.49
10 /]0 10/12 5921 24736932285000610392194 CURTIS LIQUOR STORES INC
COHASSET MA 44.48
10 /35 5921 24736932288000763411139 CVRTIS LIQUOR STORES INC
COHASSET MA - Pa Ad and Others
yment a, 3
09!19 09/19 0000 74719622263001459677116 500.00 -
ACH PMT "'HANK you 10109 . 10/09 10/09 0000 74719622281001M27610590
PAYMENT - THANK YOU
TOTAL PAYMENTS OR ADJUSTMENTS 5 700.00-
- Interest Charge -
10/16 Wi ' 6 74719622290950290069009 21.80
iNTERE- CHARGE- PURCHASE
TOTAL INTEREST FOR THIS PERIOD 5 21.88
2012 Totals Year To Data
Total Fees Charged in 2012
.o[a1 Ince resc Charged in 2012 5 59.17
Interest Charge Calculaci- /Plan Level Information
Plan Descri.pt i. on ICHI Balance Subject Periodic Annual Percentage Ince resc Ending 3alance
to i.-.- Race Race Rate (APR)2 Charge
CURRENT -
PURCHASES G 5 2.949.9] 0.7417t 8.904 5 21.88
CASH - 5 0.00 0.7417k 0.90k 5 0.00 .
PREY
PURCHASES G $ 0.00 0.7417k ..lot 5 0.00
. CASH A S 0.00 0.7417* 8.90* 5 0.00
FEES /INTEREST CHARGE $ 0.00
TOTAL - 8.901 5 21.89 $ 3,019.98
1 ICM Interest Charge Mechod: See r eree aide of Page 1 for explanation. .
2 Your AnnLLal Pc rcentage Rate fAPRl is the a val interest race Ce on you unt.
IV1 Variable Rate. If you have a variable rate acs ounc the periodic rate and Annual.Per... cage Rate (APR) may vary. .
I
CORP 0a136n 4719622
JOSEPH M TREESE
KATHLEEN M TRF- Statement Closing Date:
Account Number. Novembers 5, 2012
summary It Account Ac_ivi :y Payment Information
S 3,014.98 New Balance $ 3.455.85
Previous Balance 529.34
Payments Total Minimum Payment Due 50.00
Ocher Credits - 0'00 12/10/12
Ocher Debits - 0.00 Payment Due Date
Purchases - - 545.01
[n eM1 Advances _ - 0.00 Lace Payment Warns rtq: IF WE DO NOT RECEIVE YOUR
Fall Charged O.OJ MINIMUM PAYMENT BY THE DATE LISTED ABOVE, YOU MAY
25,20 HAVE TO PAY A LATE FEE UP TO 525.
Interest Charged
NEW BAL NCE 5 ],455.05 DATEELISTEDTABOVE,VYOURAPR'SI MAY BE INCREASED TO A
Cred is Li r.,it $ 22.000.00 PENALTY All OF UP TO 11 001
Available Credit 19,544.00
ailable Cash 18,544. 00 Minimum Payment Warning: if you makeCe [ Ae u ion a to
Amount Disputed 0.0 each per i ill ay
od, you w p x a in es an [a yo g r
.SCacem<nc Closing Oace 11/15/12 pay off you b lance. For ample:
Days In Billing Cycle 30 i'f you make no You wi11 pay off the And you ^ill cend d
addic onal charge, balance shown on this paying a a
3ng this card and statement In about ... total s
o
a f ...
ech month you pay...
Contact Information
On1y'the minimum 12 year f.) $5,01e.00
C,,tomer Service: 18001 433 -0505 payment
Report Lost or Stolen Card: 11111 691 -3414
110.00 ] years (Sa v1n3,951. 00
gs- 51,127.00)
After Hours: IB001 991 -4961 '
Plea s< send Billing Inquiries and Correspondence to.
CUSTGMER SERVICE PO BOX 30495 TAMPA, FL 33630 If you wou Id like information about credit counsel'na services,
call (811)211 -4932.
Vi,itu the web a -.
wvv. e2Cardinfo. com
Please.Mail Your Payments to
AMERICHO ICE FCU PO BOX 4519 CAROL STREAM IL
60191 -4519 -
1
NOTICE: CONTINUED ON PAGE 3
Page 1 of 3 -
- PLEASE DETACH COUPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE - ALLOW S, DAYS FOR MAIL DELIVERY
AMERICHOLCE FEDERAL CREDIT UNION
20 RPORTING GREEN DRIVE
MECHANI CSBURG PA 17050 - 2392 _ Check box to indicate
-- n me /address change
on back 0f this coupon
AMOUNT OF PAYMENT ENCLOSED
Closing Date New Balance T -11 Minimum Pa}nnent Due Date
Payment Due
11/15/12 $3.455.05 $10.00 12/10/12 5
'JOSEPH M TREESE MAKE CHECK PAYABLE TO:
KATHLEEN M TRRESE
19 LEDGEWOOD FARM DP 102225
COHASSET MA 020'_'5 - 2126 '601914519198'
AMERICHOICE FCU
PO 00K 4519
CAROL STREAM IL 60197 - 4519
'0'0252126190'
19 4719 6220 1009 3909 00007000 00345585 5
JOSEPH M TREESE Page 2 of 3
CORP 031380 - ,tATU�.F CV M 1v PCCc
Account Number:
AMERICHOICZ FEOERAL CREDIT UNION Closing Dace: 11/15/12 102225
Credit Limit: Available Credit:
522, 000. JO 518.544.00
The follovl ng is a sumnary he changes ch.L are being Wade to your accowc terms.
These changes Will import your account as tollo :s:
REVISED TERMS, AS OF 01/01/2013
FOR FRED [T CARD T: 25 FROM THE TO LEARN MORE ABOUT FACTORS TO
CONSUMER FINANCIAL PROTECTION CONSIDER WHEN APPLYING FOR OR USING A
CREDIT CARD. VISIT THE WESSITE OF THE
BUREAU
CONSUMER FINANCIAL PROTECTION BUREAU
AT
HTTP: / /WWW. CONSUMERFINANCE.GOV /LEARNMORE
MANAGE YOUR CARD - ACCOUNT ONLINE. IT'S FREE! IT'S SIMPLY DO SET ALERT IONS ENROL IN OUR LORD
ONLINE SERVICE. YOU CAN REVIEW ACCOUNT 7N FORMATS ON,
FILES, AND MUCH MORE. MANAGING YOUR ACCOUNT IS FAST, SECURE AND EASY WITH EZCARDINFO. ENROLL TODAY!
Transactions
Trans Dace Post Dace MCC Code Reverence Number Des. ripcion Amount
10/16 10/1 $134 246921622900003625 INTUIT •TURBOTAX $ 19.95
900- 446 -B 848 CA 23.00
10/18 10/21 5812 293423522930800809]88
Mr. Ooa le Cohasset MA 4].48
10/20 10/21 5321 241369322940011099568 CURTIS LIQUOR STORES INC
CQWASSST M.A. - - - 45.95
.10/20 10/23 - SB14 24223692296
WAHLBURGERS HINOHAM MA _
10/25 - '10/25 5921 - 2413693229800131337 CURTIS LIQUOR STORES INC 22.99
COHASSET MA 100.00
10/24 1.125 8099 24133092299201110500024 LEVIN 6 ZANGRILLO, P.C.
.191 -1a 0 -1546 Ml. 100.00
' lb /2i 10/25 0099 241393092299201130500032 L EV I N a 2ANGRILLO, P.C.
191 - 140 -1.546 MA' - 935.49
10/26 10 {26 5921 2413699323010015254993 CURTIS LIQUOR STORES INC
COHASSET MA
_ 16/26 10 /2B 5912 24445002]01600241816240 WALL REENS.04118 30.00
C0--.T MA 108.99 -
/0/26 30/28 5942 2469216210000021 AMA20N MKTPLACE PMTS
AMEN.COM /BILL.
WA 932.92
10/26 10128 - 5310 24226382300:204002
WAL- MARTH3200 WEYMOUTH MA 1 2 43.49
14'S
COHASSET MA 10/30 10/31 54 4 27332304 1200188BI818 MARKET
SHAW 81445
'
10/30 11/01 5921 241169323050011351929 CURTIS LIQUOR STYIRES INC 68.91
COHASSRT MA 01.32
11102 _il /OS 5812 '243889423096 %0325051035 SAMDS ET RSSTAURANT
NEW HARBOR ME 11.86
11/02 11/05 5612 24388942309610325056 SAMOSET RESTAURANT
NEW HARBOR ME
11/04 11 /06 5542 242J1682J10006001458890 GULF OIL 91800188 59.69
WOOLWICH. ME
11/09 11/09 5921 .'4116912313000416616105 CURTIS LIQUOR STORES INC 55.48
COHASSET MA
- 11/14 11;15 5921 24116912]19000104]82010 CURTIS LIQUOR STORES INC 53.11
CCHASSET MA - Payments, Adjustments and Others
11/03 li /08 0000 141'- 9622I13001M11341810 529.34- -
PAYMENT - THANX YOU -
TOTAL PAY14ENT5 OR ADJUSTMENTS S Charge
. - - Interest Charged
11 /15 IZ /15 141196223'20449320064009 25'20
'INTEREST CHARGE - PURCHASE
TOTAL INTEREST FOR THIS PERIOD 5 25.20
2012 Tocals Year To Dace -
Total Fees Charged in 2012 5 0.00
To cal Ince rest Charged in 2011 5 84.31
CORP 031380 SOS EPH M TREESE Page 3 of 3
KATHLEEN M TREESE
Account tN mbe r:
AMERICHOICE FEDERAL CREDIT UNION Closing te:
Credit Limit Available Credit: 102225
522,000. OJ 518,544.00
Interest Charge Calculation /Plan Level .n.orma..on Periodic- A ual Percentage Interest Ending Balance
Plan Description ICM1 Balance Subject Rate Rate (APR12 Charge
to Interest Rate
CURRENT
PURCHASES G 5 3,390.03 O.T91�k B. 90k 5 25.20
CASH - A 5 0.00 O.I41�t 8.90k 5 0.00
PREY
PURCHASES G 5 0.00 0.'141')t 8.90L 5 0.00
CASH A 5 0.00 O.T41'It 8. 90k 5 0.00
FEES /INTEREST CHARGE, 5 0.00
7I1TAL' 8. 90k 5 25.20 5 3.455.85
1 . I CM Interest- Charge Method: See r e side of Page 1 for explanation.
2 Your Annual Percentage Race (APR)is the a ual intere at rate on your ac c unt.
(v)..= Variable Rate. If you have a variable rate account the periodic rate and Annual Percentage Rate (APR) may vary.
i
i
I
I
CORP 031330_-1
JOSE PH PH M TREESE -
I:ATNLEEK M TREES. Star emeni Closing Dace:
ACC Punc Number: December 16,2012
Summ _ of Acc ounr Acc:v ity Payment Informarion
8 ],455.85 New Balance 5 13,835.12
Previous Ra lance 9'10.21
Payme r.cs Total Minimum Payme nc Due •• NONE ••
Other Credits - 0.00 01 /10/13
Other Debits - - 0.00 Payment Due Date
Pu rrhases - 251.40 .
Cash Advances 11000.00 Late Payment Warning: IF WE DO NOT RECEIVE YOUR
Fees Charged 0.00 MINIMUM PAYMENT BY THE DATE LISTED ABOVE, YOU MAY
98.08 HAVE TV PAY A LATE FEE UP
int eresc Charged
NEW BALANCE 5 13.835.12 DATES LIISTED V YOUR U APR'S MINIMUM
MAY BE TO A
Credit Limit S 22,000.00 PENALTY APR OF UP T, 18.00%.
.Available Credit 8,154.00
Available Cash 8,164.00 Minimum Payment Warning: If you make only the m n m Payment -
Amount Disputed D.00 each period, you will pay m interest and i[ take you longer Co
$tatame Closing Dace 12/16/12 pay off your balance. For example:
Oat's in Billing Cycle 31 If you make no You will pay ofE the And you will end up
additional c harges ba nce la shown n this paying an estimated
ing this card and statement in about ... total of...
each month you pay...
Contact InfPrmation
Only the m im um 21 yearlsl $21,571.00
Customer Service: 18001 433 -0505 Payme nt
Report Lost or Stolen Card: 17171 697-3474
9]9.00 3 years 5 15,815.00
ISavings- $5,756.001.
Alt" Ho [s: 19001 991 -996i orte anonde nr[ t
Please send Billing Inquix and C
'ies °
CUSTOMER SERVICE PO BOX 30i 95 IMP 33630 oun ices.
If yov would like Snf or7naeion above credit counseling s ery
-
all (8 77)277-4932.
Vislt u n the web at;
ww.cZCa rdlnE o.com
Please Mail You: Payments C°
AHERICHOf CE ICU PO BOX 4519 CAROL STREAM IL
eD197 -c 519.
MANAGE -YOUR CARD ACCOUtii ONLINE. IT'S FREE! IT'S EASY' SIMPLY GO TO W— .EZCARDINFO.COM AND ENROLL IN OUR
ONLINE SERVICE. YOU CAN REVIEW ACCOUNT INFORMATION. , "ACK SPENDING, SET ALERT NOTIFICATIONS, DOWNLOAD
FILES. AND MUCH MORE. MANAGING YOUR ACCOUNT IS FAST, SECURE AND EASY WITH EZCARDINFO. ENROLL TODAY!
' Page 1 of 2
PLEASE DETACH CCUPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE - ALLOW 5 DAYS FOR MAIL DELIVERY
AMERICHOICE FEDERAL CREDIT UNION
20'SPORTING GREEN DRIVE
MECHANICSSURG PA 17050 - 2392 Check box to indicate
me /address change ,
on back of this coupon
. AMOUNT OF PAYMENT ENCLOSED ,
Closing Dare New Balance Total'e DUe
Min m Payment Due Date
Payment
12/16/12 $13.835.12 •. NONE -•• 01/10/13 S
JOSEPH M TREESE MAKE CHECK PAYABLE TO:
KATHLEEN M TREESE
19 LEDGEHOOD FARM OR - 187235
COHASSET MA 02025 - 2126 '601974519198'
AMERICHOICE FCU
PO BOX 4519
CAROL STREAM IL 60197 - 4519
- - '0'- 0252126190'
19 4 "19 6220 1009 3909'00000000 01383512 7
I
CORP 061380 471962201 JOSEPH M TREESE Page _ of 2
KATHLEEN M TREESE
Account Number:
AM£RICHOICE FEDERAL CREDIT UNION Closing Dd te:
Credit Limit: Available Credit: $8,164.00 187215
$22,000.00
Transactions
sans Data Post Date MCC Code Reference Number Description Amount
11/20 11/21 5132 24592162325000015422040 BARN°_SfiNO3LE•COM 5 50.40
POO -P43- '.6.65 NJ
11 /1e ll l2': 6010 74718202325123456789468 CASH ADVANCE 11.000.00
STATEM ENTCHEC KS .
,.A1NT Pt TERSB FL
11111 ii /22 8099 2473309232]20]1`0400049 LEVIN 6 ZAN'GRILLO. P.C. 100.00
791- 140 -1546 11
11/23 11/25 59221 24736932329001331490678 CUZe TIS LIQUOR STORES INC 30.99
COHASSEi MA -
11/29 11;10 5192 24692162334000132900443 BARNES&NOBLE•COM 21.53
800 - 843 -2665 Nu
12/12 12/11 5921 24136932347000718332065 CUR TIS LIQUOR STORES INC 48.56
—HASS— NA
Pa Adjustment. and Others
12/07 12./01 0000 74719622342DD1M1695516D 910.21 -
- PAYMENT - THANK YOU
TOTAL PAYMENTS OR ADJUSTMENTS 5 Ch.c'.
Interest Charged
13/16 31/ifi ]9 ]196223519183i10E4006 24.39
INtE R.£$T CHARGE -P URCPA SE
12/16 :1/16 74719622351285151]64109 73.69
i —RIEST Cf1A RGE - CASH
TOTAL INTEREST FOR T.IS PERIOD S 98.03
2012 Totdle Year To Dale
Total Fees Charted in 2012 $ 0.00
Total Interest Charged in 2012 $ 182.45
Interest Charge Calculation /Plan Level InEO rmation
Plan Description ICM1 Balance Subject Periodic Annual Percentage Interest Ending Balance
to Inter e.t Rate Rate Rate (APR)2 Charge
CURRENT
PURCHASES G 5 3,286.]8 0.14111 8.901 5 24.39
CASH A $ 9935.48 0. 7411Y B. 90k 5 73.69
PREY
PURCHASES G 5 0.00 0.1.1111 8.90! $ O.00
CASH A $ 0.00 0.19111 8.901 5 0.00
FEF,S /INTEREST CHARGE $ 0.00
TOTAL 8.901 $ 98.08 S 13,835.12 -
1 ICM Interest Charge Method: Se r sidf Page 1 Eor explanation.
2 four ApnuaI Percentage Rate (A e PRl t ie r the a e o
ual interest rate on your a unt .
(V) - Variable. Rate. If you have a variable rate account the periodic rate and Annual Percentage Rate IAPR) may vary.
I
I
i
j
CORP 081780.471962201
JOSEPH M TR EESE
KATHLEEN M TREES,
Account Number: Statement Closing Dace:
Ja nuary 16,20 iJ
Summary of Account Activity Payment Information
P1'evious Balance 5 1),835.12 New Balance $ 14,428.39
Payments - 349.99
Total Minimum Payment Due 5289.00
Other Cred.ts - 0.00
Other Debits 0.00 Payment Due Date 02 /10 /13
Purchases 838.a9
Gish .ld va nces 0.00 Late Payment Warning: IF WE DO NOT RECEIVE YOUR
Fees Charged. - 0.00 MINIMUM PAYMENT BY THE DATE LISTED ABOVE, YOU MAY
Interest Charged,
103.87 RAVE TO PAY A LATE FEE UP TO 525.
NEW BALANCE 5 14,928.39 IF W'E DO NOT RECEIVE YOUR MINIMUM PAYMENT BY THE
DATE LISTED ABOVE, YOUR APR 'S MY BE INCREASED N A
Credit Limit 5 2 '1, 5'!1.00
2,000.00 PENALTY APR OF UP TO 18.00 t.
' Available Credit
Available Cash - - 1,448.00 Minimum Payment Warning: If you make only the min m payment yment
Amount Disputed 0.00 each period, you will pay more in carnet and iC take you longer to
Statement Closing Dace 01/ pay off your balance. For example: in
Days in Billing Cycle 33 If you make no You will pay off Che And you will end up
additional charges balance shown on chin paying a estim ate d
leg this card and statement in about ... total of...
each month you pay...
Contact Information
• Only the m um 21 year(.) $22,514.00
N.Comer Sezvi e: (6001.937 -0505
Payment
lm
Report Lost or Stolen Card: ('117) 697 -3474 '
958.00 J years 5 16,997.00
After Hours: (800) 991 -4961 (Saving.= 56,021 -00)
Please send Billing Inquiries and Correspondence to:
CUSTOMER SERVICE PO BO% JOa 95 TAMPA. FL 37630
If you would like information about credit counseling services.
-' - - - - call (677)277 -4932.
Visit us on che.wcb at:
ww. eICard In to com
Please Mail Your Payments to:
AMERI CHO ICE FCU PO BOX 4539 CAROL STREAM IL
60197 -4519
Page i o f 2
PLEASE DETACH COUPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE -ALLOW 5 DAYS FOR MAIL DELIVERY
AMERICHOICE FEDERAL CREDIT UNION '
20 SPORTING GREEN DRIVS
MECHAHICSBURG PA 17050 - 2392
Check box to indicate
me /address change
n back of this coupon
AMOUNT OF PAYMENT ENCLOSED
Clo.ina_ Date New ..lance TotalMinimum Payme, Due Date
Payme nt Due
01/16/13 51.4.429.39 $289.00 02/10/13 5
JOSEPH M TR EESE
KATHLEEN M TREESE MRS CHECK PAYABLE TO:
19 LEDGEWOOD FARM DR 1x1351
COHASSET MA 02 -025 - 2126 '601979519190'
AMERICHOICE FCU
PO 3 4519
'020252126190' CAROL STREAM IL 60197 - 4519
14 4719 6220 1009 3909 00029900 01442939 2
CORP 081380_471962201 JOS'c PH M TREESE Page 2 of 2
-
Account Number:
AMERICHOICE FEDERAL CREDIT UNION Closing ➢ace: ,..i .e1 [9
Credit Limit: available Credit: $7.581.o0 101351
522, too OD
•7t E e TOTALFINANCE CHARGE PAID ON YOUR ACCOUNT DURING THE PAST YEAR WAS
5 84. 3 .................................... ...............................
-' MANAGE YOUR CARD ACCOUNT ONLINE, IT'S FREEI IT'S EASYI SIMPLY GO TO WWW.EZCARDINFO.COH AND ENROLL IN OUR
ONLINE SERVICE. YOU CAN REVIEW ACCOUNT INFORMATION, TRACK SPENDING, SET ALERT NOTIFICATIONS, DOWNLOAD
- - FILES, AND MUCH MORE. MANAGING YOUR .ACCOUNT IS FAST, SECURE AND EASY WITH EZCARDINFO. ENROLL TODAYI
- DISCOUNTED VISA RATES BEGIN FEBRUARY 1, 2013. VISIT WWW.AMERICHOICE.ORG FOR DETAILS.
Transactions
Trans ➢ace Posc Data MCC Code Reference Number Description Amount
12/19 12120 5192 "192162354000%11054430 BARNES&NOBLE•COM $ 101.54
900 -843 -1665 NJ' - -
12/21 12/23 8099 247330923572071105000 LEVIN 6 ZANGRILLO, P.C. 100.00
181 - %40 -1596 MA'
01 /01 01/03 5921 24736933002000092749136 CURTIS LIQUOR STORES INC 45.48
COHASSET MA -
- 01/04 01 /36 5901 24025291005129890405968 T'cCH.WDDT.DGM 10.00
TECH,WCOT..COM.. TX .. -
01/06 01/08 5921 24836933008000389397 CURTIS LIQUOR STORES INC 22.99
COHASSET MIS
.1/06 01/09 4899 246931 6]006000908500564 VERI20N•ONETIME PAY 968.40 -
" VERIZON.COM TX
' 01 /11 01 /13 5542 24692160012000892788280 SUNOCO 0368297801 39.84
H ai,TON TWP NJ
01 /13 01/15 5542 24692163014000440711100 SUNOCO 0987201301 14.58
E BR WSWICK NJ
01 /1.3 - 01 /16 _ 5814 2422]691015803846937890 39.06
WAHLBURGERS HINGHAM MA
" Ply-1, Atl]uecmenca antl Ochere .
01/09 01/09 0000 7471962300900IMSS631390 349.48-
- PAYMENT - THANK YOU - -
TOTAL PAYMENTS OR ADJUSTMENTS 5 349.48-
. Interest Charged
01116 01/16 84819623016443016064008 .22.28
INTEREST CHARGE-PURCHAS£
01/16 01116 74719623016282016064208 a1. 59
INTEREST CHARGE - CASH
TOTAL INTEREST FOP. THIS PERIOD $ 1.03.88
2013 Totals Year To Date
Total Fee. Charged in 2033 S 0.00
Total Interact Charged in 2013 5 103.88
Interest Charge Calculation /Plan Level Information
' Periodic Annual Pe rte nCa9e Irate re sC Ending Balance
Plan De...iption iCM3 Sal ante SubjOCt Rate Rate IAPR)2 Charge
to Interest Rate
CURRENT
PURCHASES G 5 3,003.6E 2:7 74 11 8} 8.90! 90k 5 81 S 22.59
28
CASH A S 11000.00 8..
PREV
PURCHASES G 5 0.00 0.84181 8.90t 5 0,00
CASH - A 5 0.00 0.79181 B. 9Uk 5 0.00
FEES /INTEREST CHARGE 5 0.00
TOTAL 5.90% $ 103.08 5 14,428.39
1 ICM Interest Charge Method: See r se side of Page 1 for explanation.
2 Your Annual Perc anc age Rate (APR, a lS r the annual interest rate on your account.
(11 Variable Race. If you have 'a variable race account the periodic rate and Annual Percentage Rate (APR) may vary.
I
I
GORP 981380_411 -
j
JOSEPH M TREESE
KATHLEEN M TREES Statement Closing Data:
Account Number: Feb ruary 13.2013
- Bummary of Account Activity Payment Information
Previous Balance S 14,428.39 New Balance $ 14,992.61
Payments - 392.8'1
Total Minimum Payment Due 5290.00
Other Czedics - 0.00 03 110113
Other Debits 0.00 Payment Ove Date
Purchases 349.11
Cash Ad va ices 0.00 Late Payment Warning: IF HE DO NOT RECEIVE YOUR
Fees Charged 0.00 MINIMUM PAYMENT BY THE DATE LISTED ABOVE, YOU MAY
101.18 HAVE TO PAY A LATE FEE UP TO $25.
Inca C Charged
NEW BALANCE 5 14,492.61 IF WE DO NOT RECEIVE YOUR MINIMUM PAYMENT BY THE
DATE LISTED ABOVE, YOUR APR'S MAY BE INCREASED TO A
Credit Limit $ 22,000.00 PENALTY APR OF UP TO 18.00 %.
Available Credit 1,501'00
Available Cash - 1,460.00 Minimum Payment Warning: If you make only the m n m payment
Amount Dispu cad 0.00 each period, you Will pay m in interest and it 1 Wi 11 Cake you longer Co
Statement, Closing Dace 02 /13/13 pay off your balance. For example:
Days in Bi: iing Cycle 25 i *_ you make no You will pay off chi And yov will end up
additional charges balance shown on this paying a estimated
ing this card and statement in about ... total of ...
each month you pay...
Contact Information
Only the m um 21 ye-1.) $22,601.00
Customer Service: 18001 433 -0505 paym lm ent
Report Lost or SLOlen Card: (1111 691 -7914
960.00 3 years $ 16,562.00
After Ha 1- (600) 991 -4961 (S— inga- S6.045.00)
Please send Billing ingu iries and Correspondence co.
CUSTOMER SERVICE PO BOX 30495 TAMPA, FL 33630
If you woultl like information about credit counseling s e
ry ice s.
' call 18117211 -99]2. .
the web at.
ww ... e ZCard lnf o. tom ICI
Please Nail Your Payments to:
AM ERICHOICE FCU PO BOX 4519 CAROL STREAM IL
6019 -4519 '
I
Page 1 of 2
PLEASE DETACH COUPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE - ALLOW 5 DAYS FOR MAIL DELIVERY
AMERICHOICE FEDERAL CREDIT UNION
20 SPORT! NG GREEN DRIVE
MECHANICSBURG PA 11050 - 2392
Check box to ha ng s
me /address change
-
on back of this coupon
' AMOUNT OF PAYMENT ENCLOSED
Closing Date Na. Balance Total Minimum Payment Due Date
.. Payment Due
02/13/13 514,99.2.61 8290.00 03/10/13 5
JOSEPH M TREESE
XA'ITILEEN M TREESE MAKE CHECK PAYABLE TO:
19 LEDGEWOOD FARM DR 100124
COHASSET MA 02025 - 2126 '601914519198'
AMERICHOICE FCU
PO BOX 4519
'020252126190' CAROL STREAM IL 60191 - 4519
19 4719 6220 1009 3909 00029000 0144926 0
CORP 081380_471962201 - JOSEPH M TREESE Page 2 of 2
KATHLEEN M TREESE
.. Account Number:
AMERICHOICE FEDERAL CREDIT. UNION Closing Oat,: 1_, ._
Credit Limit: Available Credit: $7,507.00 100124
522,000.00
I
THE TOTAL FINA2ICE CHARGE PAID ON YOUR ACCOUNT DURING THE PAST YEAR WAS
• $ 84.3]
MANAGE YOUR CARD ACCOUNT ONLINE. IT'S FREE! IT'S EASY! SIMPLY GO TO WWW.EZCARDINFO.COM AND ENROLL IN OUR
ON LINE. SERVICE. YOU CAN REVIEW ACCOUNT INFORMATION, TRACK SPENDING. SET ALERT NOTIFICATIONS, DOWNLOAD
FILES, AND MUCH MORE. DIANAGING YOUR ACCOUNT IS FAST. SECURE AND EASY WITH EZCARDINFO. ENROLL TOOAYI
ENJOY A 6t RATE REDUCTION ON YOUR AMERICHOICE VISA! RATE REDUCED FROM 2/1/2013 THROUGH 12/31/13, APPLIES
TO NEW PURCHASES, CASH ADVANCES AND BALANCE TRANSFERS. FOR MORE INFORMATION VISIT
W'WW.AMERICHOICE.ORG.
Tra nsec ci ons
Trans Dace Post Dace MCC Code Reference Number D,scriprion Amount
01/16 O1 /'.7 5921 24 CURTIS LTOUOR STORES INC $ 22.99
COHASSET MA
01/16 01/11 8099 24]3309301]207110000032 LEVIN 6 2ANGRTLLO, P.C. 100.00
181 -:40 -1546 MA
01118 01/20 5923 247J69JJ01B00106J176130 CURTIS LIQUOR STORES INC 48.98
COHASSET MA -
01/25 01/21 8999 36 1 9215J 0258496036 J]]09 ANGIES LIST 6],40
966 - #].3 -608b iN - i
02/05 02/06 5411 24427333D367200le604935 SHAW'S MARKET #7445 42,41
COHASSET MA
02106 ''02/01 5911 2442733303]]20019364744 SHAW'S MARKET 97445 27. 95 '
. COHASSET MA -
02106 02/10 5921 24]3693303900047]959992 CURTIS LIQUOR STORES INC 45.48
COHASSET MA '
Payments, Adjustments and Others
02/08 02/08 0000 74719623039001M45145430 J92.a1-
PAYMENT -THANK YOU
TOTAL PAYMENTS OR ADJUSTMENTS 5 392.8]-
. - - Interest
02/1] 02/1] 797196 2]099657099 069005 Charged
INTEREST - CHARGE- PURCHASE
02/13 - 02/13 74719623044278044064208 81.59
INTEREST CHARGE CASH
02/13 02/13 1 4719623044658044069003 0.06 -.
INTEREST CHARGE - PURCHASE
TOTAL INTEREST FOR THIS PERIOD S 107.38
2013 Totals Year To Date
Total Fees Charged in 2013 $ 040
Total Interest Charged in 2013 $ 211.25
Interest Charge - Calculation /Plan - Level Information
Plan Description - ICM1 Balance Subject Periodic Annual Percentage Interest Ending Balance
to Inc .... c Rate Rate Race (APR)2 Charge
CURRENT
PURCHASES G 5 3,468.98 0.1417% 8.904 $ 2S.73
CASH _ A S 11000.00 0.7417t 8.90t $ a1.59
PREV
PURCHASES - G S 0.00 0.7437t - 8 8. .904 5 0.00
'CASH A 5 0.00 0.14171 90% 5 0.00
PROMOTIONAL BALANCE
PURCHASES G 5 25.60 0.29174 2.901 5 0.06
CASH A 5 0.00 0.24111 2.90t $ 0.00
- FEES/INTEREST CHARGE 5 0.00
TOTAL B.B9% $ 107.38 5 14,492.61
1 1CM Interest Charge 11 -hod: See r se aide of Page 1 Eor explanation.
2 Your Annual Pe [tentage Rate (APRI is r the annual in. e.re st race on your account.
(V( variable Rate. -If you have a variable race account the periodic race and Annual Percentage Race (APR) may vary.
I
I
I
CORP 08138D_4
JOSEPH M TREESE
KATHLEEN M TREES'
Account Number: Statement Closing Dace:
Mar,h17,2013
$ummacy of Fccount Actil'ity Payment Information
P rev ious Balance 5 14,492.61 flew Balance $ 16,777.55
(Include, Past Due Amount of $290.00)
Total Minimum Payment Due $626.00
Payments - 0.00
Other Credits - 0.00 (Inelutlers Past Due Amount of 5290.00)
Other Debits 0.00 Payment Due Date 04/10/13
Purchases 2,175.82
Cash Ad ..... a 0.00 Late Payment Warning: IF WE DO NOT RECEIVE YOUR
0.00 MINIMUM PAYMENT BY THE DATE LISTED ABOVE, YOU MAY
Fees Charged HAVE TO PAY A LATE FEE UP TO $25.
Interest Charged 109.12
.. NEW BALANCE _ $ 16,777.55 IF WE DO NOT RECEIVE YOUR MINIMUM PAYMENT BY THE
DATE LISTED ABOVE, YOUR APR'S MAY BE INCREASED TO A
Credit Limit $ 221000.00 PENALTY APR OF UP TO 18.00%.
Available Credit 5,222.00
Available Cash 3,159.00 Minimum Payment Warning: if you m r only the m m payment
Amount Disputed 0.00 ach period, you will pay m i interest and it will take you longer to
pay off your balance. For example:
Statement Closing Dace 03/17/13
Days in Billing 'Cycle 32 If you make no You will pay off the And you will end up
additional charged balance shown on this paying an estimated
g this card and statement in about ... total of—
Contact Information each month you pay...
Customer Service: (BDDI 433 -0505
Report Lost or Stolen Card: (717) 697 -3474 Only the m l um 22 year(.) $26,084.00
Paym..t
Al. r, Hours: (800) 991 -4961
Please send 'B i 11 ", Inquiries and Correspondence to: 530,00 3 years $ 19,065.00
CUSTOMER SERVICE PO BOX 30495 TAMPA, FL 33630 (Savings-$7,019.00)
If yov would like information about credit counseling services.
Visit u n the web at. call (B7,7)277-4932. www. s2CardInfo.com
-- - Please Mail Your Payment. to:
AMERICHOICE FCII PO BOX 4519 CAROL STREAM IL
60197 -4519
NOTICE: CONTINUED ON PAGE 3
Page 1 of 4
PLEASE DETACH COUPON AND RENEW PAYMENT USING THE ENCLOSED E—LOPE - ALLOW 5 DAYS FOR MAIL DELIVERY -
AMERICHOICE FEDERAL CREDIT UNION -.
20 SPORTING GREEN DRIVE
MECHANICSBURG PA 17050 - 2392
Check box to indicate
me /address change
n n back of thi. coupon
AMOUNT OF PAYMENT ENCLOSED
Closing Dace New Balance Total Minimum Payment Due Date
Pa omen[ Due
03/17/13 $16.777.55 $626.00 04/10/13 5
JOSEPH M TREESE
KATHLEEN M TREESE MAKE CHECK PAYABLE TO:
19 LEDGEWOOD 'FARM DR 98251
COHASSET MA 02025 - 2126 '601974519199'
AM SRICHOICE FCU
PO BOX 4519
'0202$'_126190' CAROL STREAM IL 60197 - 4519
19 4719 6220 lOC9 3909 00062600 01677755 9
COR2 PB1Jd0 4 %1912201 JOSEPH M TREEEE Page 2 of 9
KATHLEFV �� Tc rccr
Account Number:
AMERICHOICE FEDERAL CREDIT UNION Closing Date: -
Czedit Limit: Available Credit: $5,323.00 98253
$22,000.00
. ......• ..................................... ...............................
• THE TOTAL FINANCE CHARGE PAID ON YOUR ACCOUNT DURING THE PAST YEAR WAS
5 04.1] .
PLEASE NOTE MINIMUM PAY`IENT DUE. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS,
LATE, PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS MAY BE REFLECTED IN YOUR CREDIT REPORT.
MANAGE YOUR CARD ACCOUNT ONLINE. IT'S FREE! IT'S EASY! SIMPLY GO TO WWW.EZCARDINFO.COM AND ENROLL IN OUR
ONLINE SERVICE. YOU CAN REVIEW ACCOUNT INFORMATION, TRACK SPENDING. SET ALERT NOTIFICATIONS, DOWNLOAD
- -
FILES AND MUCH MORE. MANAGING YOUR ACCOUNT IS FAST. SECURE AND EASY WITH EZCARDINFO. ENROLL TODAY!
ENJOY A 6t RATS REDUCTION ON YOUR AMERICHOICE VISA! RATE REDUCED FROM 2/3/2013 THROUGH 12/31/13. APPLIES
TO NEW PURCHASES. CASH ADVANCES AND BALANCE TRANSFERS. FOR MORE INFORMATION VISIT
WWW.AMERICHDICE.ORG.
Transactions
Trans: Date Post Date MCC Code Reference Number - DescriptionAmount
02/13 02/14 5921 24]36933044000]8836]]39 CURTIS LIQUOR STORES INC $ 45.48
COHASSET MA
02/14 02/15 8099 24733093046207110000029 LEVIN 6 ZANGRILLO, P.C. 100.00
]81 -740 -1546 HA -
02/15 02/11 5651 2994500304]10050]812352 HOMECOODS #0122 10.61
NORWELL MA
02/15 02/17 5411 24427333046720021754949 SHAW'S MARKET #7445 24.97
COHASS ET MA -
02/15 - 02j18 5231 244 07105304 498]109952995 FACTORY PAINT 6 DcCORA 49.19
SOU TM WEYMOVT MA
02/16 02/16 5B12 29122693048004507100270 VIC7ORIA'S 35.44
_ CHIEF JUS MA
02/11 ,02/18 5911 2943]]]]048]2001858]218 SHAW'S MARKET #7945 23.91
' COHASSET MA
02/18 02/19 5411 2442]333049720019588389 SHAW'S MARKET 07445 86.49
COHASSET MA -
02/19 02/20 5211 24426203050237399500053 HINGHAM LUMBER COMPANY 119.10
COHASSET MA
02!20 02/21 5921 24735933051001216377197 CUR TIS LIQUOR STORES INC 45.40
COHASSGT MA
02/20 02;21 5812 2401339305100126549542: 35.43
FEND SIIUI COI!ASSET MA
02/20 02/22 5542 24231633052337007788553 GULF OIL 91801638 55.83
E BRIDGEWATER MA -
02/21 02/22 5411 24164073052091008401189 TARGET 00025320 116.94
HANOVEER MA
02/21 02/22 5411 24427333052720019799726 SHAW'S MARKET #7445 29.94
COHASSET MA
02/22 02/24 5651 24445003054100449196369 HOMEGOODS 40122 29.73
NORWELL MA
02/22 02/24 5651 2444500305410044 31.85
TJMAKK #0142 NORWELL MA
02/22 02124 5200 246109330540101]7304819 THE HOME DEPOT 2650 50.69
ROCKLAND MA ,
02/22 02/24 5542 24299103054001920093366 10.01
7- ELEVEN 32993 NORWELL MA
02/22 02124 5941 24431063051200030000045 SYLVIAS BY THE SEA INC 44.31
SCI TUATE MA
02/22 02/24 5411 24169073053091010880023 TARGET 00025320 30.00
HANOV'eR MA
02/22 02/244 8615 2443565305#200362601823 AAA INTERNET MBRSHIP 136.00
900- 222- BZ52 - RI
' �� 02/23 02/24 - 5411 249273]]059720021226285 SHAW'S MARKET #7445 57.90
COHASSET MA -
02/23 02/24 5542 24231683054637000198600 GULF OIL 92040103 25.20
COHASSET MA
02/23 - 02/24 5251 24224433055105013340223 AUBUCHON HARDWARE 3.17
- COHASSET. MA -
02/25 02/26 5251 24224433057105007268198 AUBUCHON HARDWARE 21.53
COHASSET MA - -
02/25 02/27 5612 24122693057004519031578 VICTORIA'S 14.88
790 CHIEF JUS MA ,
02/27 03101 7352 24632693059059123358305 MODERN PEST SERVICES 102.00
207- 7210167 ME
I
CORP 081380_4,1962201 JOSEPH M TREESE Page 3 of 4
KATHLEEN M TREESE
Account Number:
AMERICHOICE FEDERAL CREDIT UNION Closing Date:
Credit Limit: Available Credit: $5,322.00 98253
$22,000.00
Transactions... Continued
- Trans Date -Post Date MCC Code Reference Number Description Amount
03/02 03/03 5411 24427333061720021917041 SHAW'S MARKET 47445 56.57
' COHASSET MA
03/02 03/04 5812 24755421062730620104081 BEIJING HOUSE RESTAURANT 31.62
NORWELI, MA
COHASSET MA 03/02 03/04 5912 24445003062100531404218 CVS PHARMACY 41182 003 63.73
.
COHASSET MA 03/03 03/04 5921 24 CURTIS LIQUOR STORES INC 42,48
E BRI DGEWA TER MA 03/04 03/06 5542 24231693064837003869417 GULF OIL 91801638 46.84
COHASSET MA
03/05 03/66 5411 24421333064720019901731 SHAW'S MARKET 87445 67.57
I
03/07 0]/08 5411 24427333066720020172973 SHAW'S MARKET 47445 6.96
COHASSET MA
01/08 - 03/10 5411 2 SHAW'S MARKET 47445 69.67
COHASSET MA '
COHASSET M
- 03/10 03/11 5411 2442 SHAW'S MARKET 47445 23.01
' '
COHASSET
- 03/09 03/12 , 5921 24 CURTIS LIQUOR STORES INC 52.48
MA
-C-AND MA 03/10 03 5200 24610433070010118012111 THE HOME DEPOT 2650 20.83
CO-SS-1 MA 03/11 03/12 5411 2442 SHAM'S MARKET 47445 86.40
COHASSET MA
03112 03/13 5411 244273330 SHAW'S MARKET 47445 q4 70
'
-0- MA 03/13 aliis 5812 240 STARS 0.1 HINGHAM HAREO 20.56
'
COHASSET A
03/14 03/15 5411 2442 SHAH'S MARKET 47445 3.90
- M
ROCKLANU MA 03/15 03/17 5200 24510433075010170141686 THE HOME DEPOT 2650 28.79
HINGNAM MA
03/15 03/17 5651 244450030 MARSHALLS 40027 34.96
'
COHASSET MA
03/15 03/17 5921 24736933074000977143142 CURTIS LIQUOR STORES INC 53.48
- -
03/15 03/17 5411 2442 SHAW'S MARKET 47445 50.02
COHASSET MA
COHASSET-MA 03/15 03/1, 5411 2442 SHAW'S MARKET 47445 7 17
03/17 03/17 74719621076710076064004 Interest Charged
• INTEREST CHARGE- PURCHASE 24.25
03/17 0)/17 74719623076289076064207 81. 59
INTEREST. CHARGE - CASH
03/17 ,03/17 4
_ INTEREST CHARGE- PURG{iASE 3.26
TOTAL INTEREST FOR THIS PERIOD S 109.12
2013 Totals Year To Date
Total Fees Charged in 2013 $ 0.00 '
Total Interest Charged in 2013 $ 320.37
• Interest C'har'ge Calculation /Plan Level Inform.3tion
Plan Description ICM1 Balance Subject Periodic Annual Percentage Interest Ending Balance
CURRENT'
to Interest Rate Rate Rate (A PR)2 Charge
PURCHASES _ G 5 3.269.39 0.74171 8.90% $ 24.25
CASH A S 11000.00 0.74171 0.901 $ 81.59
PREY
PURCHASES G S 0.00 0.74171 8.90% 8 0.00
CASH' A $ 0.00 0.74172 8.90% S 0.00
PROMOTIONAL BALANCE
PURCHASES - G $.1,358.37 0.2417t 2.901 $ 3.28
CASH A $ 0.00 0.24171 2.90% S 0.00
CORP 091390_4]1962201 JOSEPH M T, EESE Page 4 of 4
KATHLEEN M TREES'c
Account Number:
AMERICHOiCE FEDERAL CREDIT IINION Closing Oa [e:
Credit Limit: Available Credit: $5,222.00 9925)
$22,000.00
Interest Charge Caltuletion /Plan Level Information... Continued
Periodic Annual Percentage Interest Ending Balance
Plan Description ICM1 Balance Subject Rafe Rate (APR)2 Charge
to Interest Rate
FEES /INTEREST CHARGE
TOTAL $ 0.00
' - 8.385 5 i09. 12 5 16.777.55 '.
1 ICI Interest Charge Method: Sae reverse aide of Page 1 for explanation.
2 four Annuai Pe rtenta ce Rate
(APR) e is the a ual'1n[e rest rate on you ,nt.
(VI - var.able Rate. Ef you have a variable rate account the periodic race and Annuai Percentage Rate (APR) may vary.
I
� I
I
i
CORP 091380 471962201
JOSEPH M TREESE
XATN LEEN M TREE'
Account Number: Statement Closing Dace:
April 5,20
13
Summaty of Account Activity Payment Information
- Previous Balance S 16,777.55 Na. 9.1 ante S 19,834.64
' Pa ynMencs - 1,252.00
Total Minimum ?aymenc Due $397.00
Other Credits _ qq 97
Other Debits 0.00 Payment Due Date 05/10/13
Purchases - 2,239.31
Cash Advances • 2000.00 Late Payment Warning: IF WE DO NOT RECEIVE YOUR
Fees Charged 0.00 MINIMUM PAYMENT BY THE DATE LISTED ABOVE, YOU MAY j
114 69 HAVE TO PAY p LATE FE6 UP TO 525.
Inte reBC Chargetl -
NEw BALANCE - $ 19,834.64 IF WE DO NOT RECEIVE YOUR MINIMUM PAYMENT BY THE
DATE LISTED ABOVE, YOUR APR's MAY BE INCREASED TO A
C cedic Limit _ __ S 22,000.00 PENALTY APR OF UP TO 18. OOi.
Available Credic 2,165.00
Available cash 1.720.00 Minimum Payment warning: If you make only the minimum payment
Amount Disputed 0.00 each period, you will pay m in interest and it will take you longer to
Statement Closing Date Oa /15/1] pay off your balance. For example:
Dayo in Billing Cycle 29 If you make no You will pay off the And you will end
• additional charge. balance shown on this up
paying an estimated
each this card and seat emene in about ... total of ..
each month you pay...
Contact Information
C . Only the min ea W $30,692.00
Report Service: (800) rd; (705 payment minimum 23 y
- Report Lost OY Stolen Card: 17171 697 -3474
After Hours: (800) 991 -4961 622.00 3 years S 22,390.00
-- CUSTOMER SE Billing Inquiries and Co FL 3 ndence [o:
(Savings-$8,302.00)
CUSTOMER SERVICE PO BOX 30495 95 - TAMPA. FL 33630 "
If you would like information about credit Cou seling services
call (8]7)277 -4932.
Visit u n the web ac. -
vw. eZC—a Info. tom -
Please M 4 Your Payments to j
AMERICHOICE FCU PO BOX 4515 CAROL STREAM IL
60197 -4519
MANAGE YOUR CARD ACCOUNT ONLINE. IT'S FREE! IT'S EASY! SIMPLY GO TO W'WW.EZCARDINFO.COM AND ENROLL IN OUR
- ONLINE SERVICE. YOU CAN REVIEW ACCOUNT INFORMATION, TRACK SPENDING, SET ALERT NOTIFICATIONS, DOWNLOAD
FILES, AND MUCH MORE. MANAGING YOUR ACCOUNT IS FAST. SECURE AND EASY WITH EZCARDINFO. ENROLL TODAY!
NOTICE: CONTINUED ON PAGE 3
Page 1 f 3
• PLEASE DETACH COUPON AND RETUPN PAYMENT. USING THE ENCLOSED ENVELOPE - o ALLOW 5 DAYS FOR MAIL DELIVERY
AMERICHOICE FEDERAL CREDIT UNION
20 SPORTING GREEN DRIVE
MECHANICSBURG PA 17050 - 2392 - -
Check box to indicate j
name /address change
on back of this coupon
Closing Date New Balance Total Minimum Payment Due Data AMOUNT OF PAYMENT ENCLOSED
Payment Due
04/15/13 $19,834.64 $397.00 05/10/13
JOSEPH M TREE SE
KATHLEEN M TREESE MAKE CHECK PAYABLE TO:
19 LEDGEWOOD FARM DR 98213
COHASSET MA 02025 - 2126 '601974519198'
AMERICHOICE FCU
PO BOX 4519
'020-1521261901 CAROL STREAM IL 60197 _ 4519
19 4719 6220 1009 3909 00039700 01983464 5
I
i
CORP _OS1380 471962201 JOSEPH M TREESE Page 2 of 3
u To rF cr
Account Number:
AMERSCHO LCE FEDERAL CREDIT UNION Closing Dace: u4 /15 /1]
Credit Limit: Available Credit: $2,165.00 99213
522,000.00
ENJOY A 6t RATES REDUCTION ON YOUR AMERICHOICE VISA: RATE REDUCED FROM 2/1/2013 THROUGH 12/31/11, APPLIES
N NEW PURCHASES, CASH ADVP.NCES AND 3ALANCE TRANSFERS. FOR MORE INFORMATION VISIT
WWW.AMERICHOICE.ORG.
' Tra naeccione
Trans Dace Poat Dete MCC Code Reference Number Oeeciiption Amount
03116 03/18 5411 24927333075720022946945 SHAH'S MARKET 87445 S 45.95
WEYMOUTH MA
COHASSET MA
Oa /17 '03/18 5537 24445003077000236908990 AUT02ONE 15119 21.24
03/17 03/18 5542 24231683076837000991248 GULF OIL 92041759 20.03
HINGHAM MA
0] /35 - 03/18 6010 74718203076123456789152 CASH ADVANCE 2,000.00
STATEMENTCHECKS
SAINT PETERSB FL -
03/1. - 03/19 5411 24427333077720018941501 SHAW'S MARKET 17945 36.75
COHASSET MA
03/20 03/21 5411 24427333079720020151550 SHAW'S MARKET 17445 30.87
- COHASS - cT MA
03/20 03/22 5921 24736933090001327414920 CURTIS LIQUOR STORES INC 42.48
COHASSET MA '
03/22 03/24 5812 24122693082004554747475 VICTORIA'S 14.68
790 CHIEF -JUS MA
.3/22 03/24 5411 24427313081120022420397 SHAW'S MARKET 17445 95.45
COIUASSET MA
03/22 03/24 5542 24231681081837000282997 GULF OIL 92040103 30.00
- CUHASSET MA -
03/23 - 03/24 5411 24164073082091030.95075 TARGET 0/025320 35.40
NANO`fER MA
O3/23 03 /24 7396 247110930822062]4400060 769 EQUIP NR PARTY RNTL 51.00
7P1 -826 -5931 MA
.03/23 OJ/24 5251 242314130831050132592:9 AUBUCHON HARDWARE •3.18
E RI DGEWATER MA
COHASSET �N
03/24 03/26 5542 2i 211683094 d1 ]0080297]7 GULF OIL 91801638 49.71
R
03/25 03(26 5912 244450030:5600239418694 WALGREENS 14118 211.58
COHASSET MA
03/25 03/27 5441 24789303085085068151600 PUO POLO CANDIES 52.88
HINC HAM IN �.
03/27 03/2: 5411 24427133086720020513263 SHAW'S MARKET .7445 8.08
COHASSET MA
0]/27 OJ/29 5651 24445003087300475447463 MARSMALLS 10021 19.98
HINGHAM MA
03/27 0 l/29 5999 247893030870:7059369700 OLD NAVY STORE 5427 5.00
HINGHAM MA
6 MA 03/28 03/29 - 4214 24211683038205934703006 MICHAEL'S MOVING 6 ETsm. 123.00
17 - 762 -9611
03/29 0]711 5921 24736933088001341520769 CURTIS LIQUOR STORES INC 45.48
CQHASSET MA
03/29 03/31 5411 2542733.:088720025164540 SHAW'S MARKET 47445 112.49
CUHA SS'cT MA
04/01 04/02 5<11 24927333091720019986920 SHAW'S MARKET 47445 53.50
COHASSET MA.
09/01 . 04103 5651 2444500:092100971801312 MARSHALLS 40027 53.79
HINGHAM MA
04/01 04/03 5542 2423169309283"1008094755 GULF OIL 91801638 49.61
E BFI DGEWATE'n MA -
04 /03 04/04 B099. 24711091094207130700016 LEVIN fi 2ANGRILLO, P.C. 100.00
181 -740 -1546 MA
04/09 04/07 5542 24427:::09571000782890 38,72
HESS 3238i COBLESXILL NY
04/05 "04/07 5263 2415813)096096309003905 THAT BLOOMIN PLACE 56.25
WEYMOUTH ^V.
04/05 14/07 5912 24122693096004574655991 VICTORIA'S 9.56
790 CHIEF JUS MA
04/06 04/07 5411 24427333096720022172363 SMAW'S MARKET N7445 59.69
COHASSET MA'
04/0 - 04/08 Sill 24427333097720020064637 SHAW'S MARKET 47445 - 14.98
COHASSET MA
04/07 04/09 56 24445003098100415862711 63.99
TSMA %X nD142 NORWELL hA
04/07 04/09 12 24013393098 OOD47286427S 3 GOOD LLC HINGHAM 20.39
H:NCHAM MA
- r
CORP 081380_4]1962201 - JOSEPH ^ M TREESEcc Page 3 of 3
' Account Number: V'{ -^ ••'- � ^n
AM£RICHOICE FEDERAL CREDIT UNION Closing Date: 04/15/13
Credit Limit: Available Credit: 52,165.00 98213
$22,000.00
Transaction,... Continued
Trans Date Post Date MCC Code Reference Number Description Amoun[
04/08 04/09 5411 24164073098091008235922 TARGET 00025320 $2 Ou
HANOVER MA
09/08 04/09 5411 2442]333098]20019380035 SHAW'S MARKET 47945 g2.g9
COHASS ET MA
E BRIDG EWATE H A 04/08 0< /10 S542 24231683099837008152804 GULF OIL 91801638 68.82
�M '
CRANBURY N J 04/09 04/11 5542 24692161100000236424501 SUNOCO 0434701901 52.80
HAVER TOWNPA 04/10 04 /i2 5812 24013393101000686339104 OAKMONT NATIONAL PUB 17.80 '
COINASSET MA
04/11 04112 5411 2442 SHAW'S MARKET 47445 12.76
- -
20 >- 7210167 ME 04/11 '04114 7342 24632693102102132217604 MODERN PEST SERVICES 102.00
HAMILTON TWP NJ - 04/11 - 04/14 5542 2 SUNOCO 0368298601 33.14
COHA SS ET M.A 04/1:: 04/14 SAil 2442 SHAW'S MARKET 47445 68.44
04/12 04 /1•t 5533 24326883102083000093590 WWW. ADVANCEAUTOIARTS 148.91
540 -561 -6465 VA
04/14
COHASSET MA 04/15 5411 2442 SHAW'S MARKET 47445 27.51
- '
Payments, Adjustments and Others
03/21 03/24 5310 ]4 4450030511004]1290686 CREDIT VOUCHER 29.13-
NORWE LL MA HOMEGOODS 40122
0J /23 03;24 5310 7 4445003081100471290769 CREDIT VOUCHER 15.29 -
T'JM X\ 40142 NORWELL MA
03/23 03/24 0000 ]9]1962309300150091538$ 626.00 -
• ACH PMT THAN% YOU
* PAYMENT - THANK YOU 04/08 04/06 0000 7411962309800IM97346080 626.00 -
TOTAL PAYMENTS OR ADJUSTMENTS - S 1,296.97-
' -
04 /15 04/15 74719623105682105069005 interest Charged
20.19
IN TEREST.CHARGE- PURCHASE
04/15 04115 74719623105287105064201 81.59
INTEREST CHARGE CASH
04/15 04/15 74719623105683105064003 8.08
INTEREST CHARGE - PURCHASE
04/15 04/15 74719621105288105064209 4 B3
• INTEREST;CMARGE -- CASH
TOTAL INTEREST FOR THIS PERIOD 5 114.69
2013 Totals Year To Date
Total Fees Charged in 2013 $ 0.00
Total Interest Charged in 2013 $ 435.06
Interest Charge Calculation /Plan Level Info cmacion
Plan Description ICM1 Balance Subject Periodic Arinual Percentage Interest Ending Balance
to Inters sr Rate Rate Rate (APR12 Charge
CURRENT
PURCHASES G $ 2,722.19 0.7417* 8.90t S 20.19
-CASH A $ 31000.00 0.74171 8.901 $ 81.59
PREV
PURCHASES G $ 0.00 0.7417t 8.90% $ 0.00
'CASH'. A $ 0.00 0.7417t 8.90% $ 0.00
PROMOTIONAL BALANCE
PURCHASES - - G S 3,344.30 0.24171 2.901 $ 8.08
CASH - A 5 2000.00 0.24171 2.90% $ 4.83
FEES /INTEREST CHARGE - $ 0.00
.TOTAL 7.22* $ 114.69 $ 19,634.64
1 ICM Interest Charge Method: See reverse s of Page 1 for explanation.
2 Yo 1i Annual Percentage Rate (AIR) is r the annual interest cafe on your account.
Iv) a Variable RdCe, If you have a variable rate N account the periodic rate and Annual Percentage Rate (APR) may vary.
i
CORP 091380 471962201
JOSEPH M TREESE
KATHLEEN M TREE:
Account Number: Statement Closing Dace:
May16.2013
Summary If Account Accivicy Payment Information
Previous Balance. S 19,839.69 New Balance S 21,322.03
Paymtnca - 501.69
Total Minimum Paym.. t Due 5927.00
Ocher Credits - 26.5 me
6
Other Debits 0.00 Paynt Due Date 06/10/13
Purchases 1,900.25
Cash Advances - 0.be Late Payment Warning: IF WE DO NOT RECEIVE YOUR
Fees Charged 0 MINIMUM PAYMENT BY THE DATE LISTED ABOVE, YOU MAY
115.39 HAVE TO PAY A LATE FEE UP TO S25.
Interest Charged
NFV BALANCE $ 21,322.03 IF WE DO NOT RECEIVE YOUR MINIMUM PAYMENT BY THE
DATE LISTED ABOVE, YOUR APR'S MAY BE INCREASED TO A
Credit Limit $ 22.000.00 PENALTY APR OF UP TO 18.00%.
Available Credit 671.00
Available. Cash 677.00 Minimum Pd yment Warning: If you make only the m m payment
Amount D11P. red 0.00 ach Period, you will pay ..re cerest an ll take you longer to
Statement Closing Dace 05/16/13 pay off your balance. For example; in
Days in Billing Cycle 31 If you make no You will pay off the And you will end up
additional charges balance shown on this paying a estimated
using this card and statement in about ... total of
each month you pay...
Contact Information
Only th0 m lm um 24 yearly) 533,001.00
C-1—a, C-1—a, S —Vice: (800) 433 -0505 payment
Report Lost 'or Stolen Card: (717) 657 -3474
668.00 3 year. 5 29,059.00
After Hou[a: (800) 991 -4961 (S avingee58, 99].00)
Please send ei M ing Inquiries and Correspondence co.
CUSTOMER SERVICE PO BOX 30495 TAMPA, FL 33630
If yw would Like information about credit counseling servicea,
tall (877)2]] -4932.
V rei. u the web at:
.c Cardlnfo. com
Please -Mail Your Payments to
AMZRICHOICE FCU PO BOX 4519 CAROL STREAM IL
60197 -4519
MANAGE YOUR CARD ACCOUNT ONLINE. IT'S FREEI IT'S EASY! SIMPLY GO TO WWW. EZCARDINFO.CCM AND ENROLL IN OUR
ONLINE -SERV ICE. YOU CAN REVIEW ACCOUNT INFORMATION, TILICK SPENDING, SET ALERT NOTIFICATIONS, DOWNLOAD
FILES, AND MUCH MORE. MANAGING YOUR ACCOUNT.IS FAST, SECURE AND EASY WITH EZCARDINFO. ENROLL TODAY!
NOTICE: CONTINUED ON PAGE 3
Page 1 of 3
PLEASE DETACH COUPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE - ALLOW 5 DAYS FOR MAIL DELIVERY -
0906
hMERICHOICE FEDEPAL CREDIT UNION
20 SPORTING GREEN DRIVE
MECHANICSBURG PA 17050 - 2392
Check box to indicate
me /address change
on back of this coupon
AMOUNT OF PAYMENT ENCLOSED
Closing Date New Balance Total Minimum Payment Due Data
Pa ymenc Due
05/16/I3 521,322.03 $927.00 06/10/13 5
JOSEPH M TREESE
KATHLEEN M TREESE MAKE CHECK PAYABLE TO:
19 LEDGEWOOD FARM DR 99143
COHASSET MA 02025 - 2126 '601974519198'
AMERICHOICE FCU
PO BOX 4519
'020252126190' CAROL STREAM IL 60197 - 4519
19 4719 6220 1009 3909 00042 -00 02132203 0
I
CORD 091380 4 1n62'_Jt JOSEPH M TREESE Page 2 of 7
%ATRLEEN M TREESE
Account Number:
AMERICHOICE FEDERAL CREDIT UNION Closing Date: e, .,
Credit Limit: Available Credit: $677.00 99143
522,000.00
ENJOY A 64 RATE REDUCTION ON YOUR AMERICHOICE VISA! RATES REDUCED FROM 2/1/2013 THROUGH 12/31/13. APPLIES
TO NEW PURCHASES. CASH ADVANCES AND BALANCE TRANSFERS. FOR MORE INFORMATION VISIT
WWW. AMERICHOICE.ORG.
ONLINE BANKING FOR YOUR CREDIT CARD IS CONVENIENT AND FREE! WHEN YOU
ENROLL, YOU CAN MANAGE YOUR ACCOUNT 24/7. VISIT OUR WEBSITE TODAY TO GET
STARTED!
' Transactions
Trans Date Post Dace MCC Code Reference Number Description Amount
04/13' 04/16 5812 24392853105080080056182 S 53.93
- - Mr. Doolcy'.s Coha sset MA -
04/14 04/16 S921 247369331050009]2424077 CURTIS LIOUOR STORES INC 28.49
COHASS E T 'MA -
04/15 - 0J/16 5411 34427]13105720019887030 SHAW'S MARKET 47445 69.57
COHASSET MA
' 04/16 04/18 5542 24233687107837008215650 GOLF OIL 91801638 67.78
E BRIDGEWATER MA
04/1.7 '04 /16 5411 24427333107720020175373 SHAW'S MARKET 87445 37.05
COHASSET MA
04/19 - 0021 5921 24736933109001186398377 CURTIS LIQUOR STORES INC 48.48
COHASSET MA
09/20 0:/21 5411 24427313110720022966929 SW1N'S MARKET 47995 63.29
CONASSET MA
04/20 '09/22 5949 24072803111456001006691 JOANN FABRIC 40903 9.55
MANOVER MA
04/22 04/23 5912 24445003113600224855302 WALGREENS 44118 43.82
COHASSET. MA -
' - ,04/22 OJ /23 5411 29427131112720019702990 SHAW'S MARKET 47445 111.18
COHASSET MA
09/29 09/25 9402 241640771149 k8202790735 US PS 24199609239116277 9.20
COHASSET MA
04/24 09/26 5921 24736933115001572430299 CURTIS LIQUOR STORES INC 53.96
'- COHASSET MA
04/25 - 04/26 5542 24652163116000623436910 SUNOCO 0165699000 58.19
BLOOMFIELD NJ '
KING OF PRUSS PA
04/25 04('28 5812 2407105311698717080970] PEPPERS ITALIAN REST 6 94.51
04/26 04 /2B 8099 2473309)116207114700322 HEALTHCARE SOUTH. PC 25.00
/tl1 -926 -5656 MA
04/28 04!29 5812 24471053118091107001824 PLAZA A2TECA KOP 59.78
KING OF PRUSS PA
WEYMOUTH MA
04/28 O4 /30 7511 24445003:19200300938020 U -HAUL CTR WEYMOUTH 118.19
-
04 /28 04/]0 5832 2401339]1190018]5486424 40.48
SA-T TAVERN SCITUATE MA
64.42
04/26 0:170 5542 14692163119000943090744 SUNOCO 0225537000
MONTVAL'e NJ
09/29 04 /3J 5411 24427]3]119720020369899 SHAW'S MAR KST p7445 69.91
COHASSET M
04/30 05/01 8099 247)J0911212D711010.017 LEVIN s ZA,MCRILLO. P.C. 100.00
731 -740 -154 MA
05/01 05/02 5411 24427333121720021388266 SHAW'S MARKET 47445 67.40
COHASSET MA
05/02 05/05 5921 24736933123000368521685 CURTIS LIQUOR STORES INC 45.99
COHASSET MA
OS /O3 OS /OS 5651 224445001124100538053535 15.97
TJMAXX 40142 NORWELL MA
05/03 - OS /OS 297J109J124200118200530 NINO'S STEAK & CHOP HOUS 75.26
HINGHA.M MA
- - 05/09 05/05 541 1 249271]3124720023119428 SHAW'S MARKET 17495 85.29
COHASSET MA -
05/04 05/06 5542 24231683125037009762075 GULF OIL 92038867 40.75
CHARLTON MA
05/06 05107 $411 24427333126720020355733 SHAW'S MARKET 47445 53.13
COHASSET MA
05/06 05/08 5542 24231683127837008379668 GULF OIL 91801638 42.41
E BRIDGEWATER MA -05106 05/06 5541 24231687127937008379726 GULF OIL 91801638 4.62
E BRIDGEWATER MA _
05/08 05/09 5411 24427733128720020941217 SHAW'S MARKET :7945 3].66
COHASSET MA
05/09 05/10 5411 244273]3129720021942767 SHAW'S MARKET 47445 26,68
COHASSET MA -
CORP 081380 1962201 JOSEPH M TREESE Page 3 of 3
Account Number:
'AMERICHOICE FEDERAL CREDIT UNION Closing Date:
Credit Limit: Available Credit: $677.00 99193
$22,000.00
Transactions.:; Continued
Trans Date Post Da Ce- MCC Code Reference Number Description Amount
05/11 05/12 5411 24427333173>20025J 01143 SHAW'S MARKET 47445 ll u
COHA55=T MJi
V ,.05/12 05!13 5411 24427333132720021397280 SHAW'S MARKET 4>445 28.66
COHASSET MA .
COHASSET
05/13 _ 05115 5921 24736933134000905370799 CURTIS LIQUOR STORES INC 42,48
�N
- 04/20 Payments. Adjustments and Others . 04(21 SSJ3 >4326883130083001993516 CREDIT VOUCHER 26.56-
ROANO KE .VA ADVANC:AUTOPARTS
ACH PMT THA.YK YOU
05/10 05/10 OOOb 747196331300015e8164350 5U1.69-
• I
I
TOTAL PAYMENTS OR ADJUSTMENTS 5 528.25-
- - - Interest -
CHASE 15 42 05/16 >471962]136668176069000 Charged
• INTEREST CHARGE- PURCHASE. '
05/1.6 .'05116 7 4 7 19623136289136064203
• INTEREST CHARGE - CASH 81.59
05/16 OS /16 7 4 7 19623136669136064008
• INTEREST CHARGE- PURCHASE 17.55
05/16 - 05%16 7 4 7 19623136290136064201
- INTEREST CHARGE - CASH 4.81
TOTAL INTEREST FOR THIS PERIOD $ 115.39
2013 Totals Year To Date
Total Fees Charged in 2013 $ 0.00
Total Interest Charged in 2013 $ 550.45
Interest Charge Calculation /Plan Level Information
Plan Description ICM1 Balance Subject Periodic Annual Percentage Interest Ending Balance
to Interest Rate Rate Rate IA PR12 Charge
CURRENT
PURCHASES G 5 2,079.26 0.7417! 8.90k $ 15,42
CASH A 5 11000.00 0.74171
PREV 8.90! $ 81.59
PURCHASES G S 0.00 0.74171 8.901 $ 0.00
CASH A $ 0.00 0.7417! 8,901 S 0.00
PROMOTIONAL BALANCE
PURCHASES Q $ 5,609.40 0.24171 2. 90h 5 1].55
CASH A S ?000.00 0.2417% 2.90% $ 4.83
FEES /INTEREST CHARGE 5 0.00
TOTAL 6.69* S 115.39 $ 21,322.03
i ICM ZnCe rest Charge Method: See r se side o: Page 1 for explanation.
2 Your Annual Percentage Rate (APR' V 6 r C he .... al interest rate on you account.
IVI Variable Race. If you have a variable rate account the periodic rate and Annual Percentage Rate (APR) may vary.
I
I
I
CORP 081380_471962201 _ JOSEPH M TREESE
JOSEPH M TREESE -
KATHLEEN M TREE, j
Account Number: _ Statement Closing Date:
June 16,2013
Summary of Account Activity Payment Information
Pre - y ious Balance 5 21,322.03 New Balance 5 21,868.93
Payments - 1.000.00
Other Credits _ Total Minimum Payment Due 5438.00
Other Debits 122.77
Purchases 0.00 48
Pa Due Data 01/10/13
55].
Cash Advances 0.00 - Late Payment Warning: IF WE DO NOT RECEIVE YOUR
r _es Cha rgetl 0.72 MINIMUM PAYMENT BY THE DATE LISTED ABOVE, YOU MAY
Interest Charged 111.41 HAVE TO PAY A LATE FEE UP TO $25.
'
NEW BALANCE - 5 21.869.93 IF WE DO NOT RECEIVE YOUR MINIMUM PAYMENT BY THE
DATE LISTED ABOVE, YOUR APR'S MAY BE INCREASED TO A
Credit Limit S 22,000.00 PENALTY APR OF UP TO 18 00t
Available Credit, 131.00
Available Cash 131.00 Minimum Payment Warning: If you make only the minimum payment
Amount - Disputed 0.00 each period, you Will pay more in znte rest and it will take you longer
Statement Closing Date 06/16/13 pay off your balance. For example: to
Days in Billing Cycle 31 If you make no You Will pay off the And you Will and up
additional charges balance shown on this paying a estimated
ing this card and statement in about ... total of...
Contact Information each month you pay...
Only the n im um 24 year(a) 533,875.00
Cu.com<r S<rvice: (800) 433 -0505 paym
RIP— Lo.t or Stolen Card: (717) 697 -3474
685.00 3 years S 24,679.00
Af t et' Hours: 1800) 991 -4961 Issuing. =59,196.00)
Please send Billing Inquiries and Corre soondence to.
CUSTOMER SERVICE p0 BOY 30495 TAMPA, FL 33630
If you Would like information about credit counseling services,
ca1
Visit u 1 (877)277 -4932.
the Web at
wWw,ezca rainfo.
Please Mail Your Payments to:
AM£RICHOICE FCJ PO BOX 4519 CAROL STREAM IL
60197.4519
MANAGE YOUR CARD ACCOUNT ONLINE. IT'S FREE! IT'S EASY! SIMPLY GO TO WW'W.EZCARDINFO.COM AND ENROLL IN OUR
-. - ONLINE SERVICE. YOU CAN REVIEW ACCOUNT INFORMATION, TRACK SPENDING, SET ALERT NOTIFICATIONS, DOWNLOAD
FILES, AND MUCH MORE. MANAGING POUR ACCOUNT IS FAST, SECURE AND EASY WITH EZCARDINFO. ENROLL TODAY!
NOTICE: CONTINUED ON PAGE 3 -�
'- page 1 of 3
'PLEASE DETACH COUPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE - ALLOW 5 DAYS FOR MAIL DELIVERY
0915
AMERICHOICE FEDERAL CREDIT UNION
20 SPORTING GREEN DRIVE
MECHANICSBURG PA 1 - 2392
.. Check box to indicate
name /address change
n back of this coupon
AMOUNT OF PAYMENT ENCLOSED
Closing, Dace Neal Balance Total Minimum Payment Due Data
Payment Due
06/16/13 521,868:93 $438.00 07/10/13 5
JOSEPH M TREESE
KATHLEEN M TREESE MAKE CHECK PAYABLE T0:
19 LEDGEWOOD FARM DR 98935
COHASSET MA 02025 - 2126 '601974519198'
AMERICHOICE FCU
'020252126190' PO R 4519
STREAM IL 60197 - 4519
19 4719 6220 1009 3909 00043800 021866893 0 'I
CORP 081380_a719u2101 JOSEPH M TREESE
99935
JOSEPH M TREESE
KATHLEEN M TREE
Account Number: Statement Closing Dace:
Junel6,2013
ONLINE BANKING FOR YOUR CREDIT CARD IS CONVENIENT AND FREE: WHEN YOU
.ENROLL, YOU CAIN MANAGE YOUR ACCOUNT 24/7. VISIT OUR WEBSITE TODAY TO GET
STARTED:
Tr en.. c ti...
11... Date Poet Dace MCC Code Reference Number Description Amount
OS/17 05/19 7342 24632693138138153992202 MODERN PEST SERVICES 8 102.00
-n7- 7 210167 ME
05/17 05/19 5921 24 CURTIS LIQUOR STORES INC 42
_ CONASSET MA - ,
05/11 05/19 5411 2 SHAW'S MARKET 47445 70 47
COHASSET MA
I
05/18 05121 7512 74171203139008757236275 90 24
SAN JOSE CA
- .!D.okingg ... p.com Rig. -
. - 05/20 05/22 5411 24164073141221011 -3B EAFEWAY STOREODG14761 23.31
-
05/20 05/23 3351 24231683142286379018029 FOX RENT A CAR SAN FRAM 211.]9
•' SAN. FRANCISCO CA
05/21 05/23 5411 2442733314271DG25755771 LUCKY 4729 MOUNTAIN 14 44
MOUNTAIN VIEW CA
SAN FRANCISCO CA 05/22 OS /23 5812 24231683143286888800306 CHOWDER HUT GRILL # 31.81
COHASSET MA 05/22 05/23 3405 24164073142018512974544 ENTERPRISE RENT -A -CAR 43.51
5" CARLOS. CA 05/22 05124 4111 24492793143436240014216 CALTRAIN TVM OPS 36.00
-- 05/22 05/24 SB14 2442
• RUB IOS X224 SAN JOSE CA 20.90
05/27 05/28 5411 24692163147000820073069 STOP 6 SHOP #482 107.25
COHASSEr MA
COHASSET MA 05/31 06102 5411 24692163151000354034254 STOP 6 SHOP #482 88.49
'
06/02 06/03 Sall 24427333153720020749287 SHAH'S MARKET 41445 5.29
COHASSET MA -
06/03 06/04 5411 24592163154000380830185 STOP 6 SHOP #402 66.53
COHASSET MA
COHASSET MA
06/05 06/06 5411. 246 92163156000175860146 STOP 6 SHOP 4482 56.70
'
'rJMA%K 80142 NORW EL 06/06 06/09 5651 2444 5003158100468102210
L MA 21.24
06/07 06/09 5411 24692163150000947151964 STOP 6 SHOP 4482 100.16
COHASSET MA
CtiHA59ET MA
06109 06 /10 5411 24427333160720020537182 SHAW'S MARKET 47445 3.18 '
- 06/11 06/12 5411 24692163162000322537898 STOP L SHOP 4482 70 92
COHASSET MA
791 -7a 0 -1546
06/13 06/14 8099 2 LEVIN 6 2ANGRILLO, P.C. 200.00
' MA
cDHASSSr Mn .6114 06/16 5542 24692163165DOD313632121 STOP N SHOP FUEL 482 32.16
LE'S Hingham
06/14 06/16 - 7299 24692163165000353163 25.00
�50 NOB MN 421 .
COHASSET MA 06/14 06/16 5411 24692163165000422649681 STOP 6 SHOP 4482 39.22
COHASSET MA 06/15 06/16 5411 246921631660DO649348155 STOP 6 SHOP 4482 52.21
PAYMENTS, ADJUSTMENTS AND OTHERS
PMT THAN% YOU
05/24 05/24 0000 74719623144001515341809 1,000.00 -
ACH -
OS /2a 05129 3351 742 31683148286379018036 CREDIT VOUCHER 122.77-
SAN FRANCISCO CA
FOX RENT A CAR SAN FRAN
TOTAL PAYMENTS OR AOJIiSTMENTS 1,122.77-
FEES
OS /IB 05/21 7512 747 19623141001612362751
INTERNATIONAL T %.1 FEE 0.72
TOTAL FEES FOR THIS PERIOD 0.12
06116 06/16 74739623167666167064008 Interest Ch.rged
INTEREST CHARGE - PURCHASE 1.53
06/16 06116 74719623167285167064205 81.59
INTEREST CHARGE - CASH - -
06/16 06/16 74719623167667167064006
INTEREST CHARGE - PURCHASE 17 52
+ 06/16 06/16 74719623167266167064203 4.83
INTEREST CHARGE - CASH
CORP 081330 471962201 JOSEPH M TREESE
999]5
JOSEPH M TREESE'
KATHLEEN M TREES
Account Number: -
' Statement Closing Dale:
June16,2013
Trans Oat. Post Date MCC Code Reference Number Traneac[i one... Continued
Desc ripC10 Amovnt
TOTAL INTEREST FOR THIS PERIOD 111.47
_ - - 2013 Totals Year To Date
Total Fees Charged in 2013 5 0,72
Total Interest Charged in 2013 $ 661.92
. Interest Charge Calculation /Plan Level Info cmation
Plan Description ICM1 Balance Subject Periodic Annual Percentage Interest Ending Balance
to Interest Rate Rate Rate (APR)2 Charge
CURRENT
PURCHASES G 5 1,015.25 0.7411% 8.90% $ 7,53
CASH A $ 11000.00 0.]417} 8.90k $ 81.59
PR FV
PURCHASES G $ 0.00 0.7417} 9.901 S 0.00
CASH - A 5 0.00 0.74171 8.90!
PROMOTIONAL BALANCE 5 0.00
PURCHASES G > 7,249.16 0.2411% 2.901 $ 11.52
CASH A 5 2000.00 0.2417* 2.901 $ 4.83
FEES /INTEREST CHARGE
$ 0.72
TOTAL
1 ICM- Interest Charge Methotl: See r se aide of Pa 1 for a 6.33% S 111.47 $ 21,868.93
2 5'our Annual Percentage Rate (APR) a ual inCe rest r e eon n your n ac unt.
tv, Variable Rate. If you have a 4a ria ble ra.e account the o iodic rare Annual Percentage Rate (APR) may vary.
i
3
CORP 051380_471962T01 joSEPH M,TREESS
I
JOSEPH M THE SE
KATHLEEN M TRSE! Statement Closing Dace:
Account Number: July 36,2013
Summary of Account Activity Payment Information
Previous Balance S 21,868.93 Na. Balance 5 31
Pa -rents - - 438.00 5936.00
- Y' Total Minimum Payment Due
ocher Cretlics - 0.Do 08/10/13
'Ocher Debits _ 0.00 Payment Due Date
Purchases 254.41
Advances O.DO Late Payment Warning: IF WE DO NOT RECEIVE YOUR
Cash
Fees Advances 0.00 MINIMUM PAYMENT BY THE DATE LISTED ABOVE, YOU MAY
110.51 HAV£ TO PAY A LATE FEE UP TO 525.
Inte. rest Charged
NEW BALANCE 5 21, IF NE DO NOT RECEIVE YOUR MINIMUM PAYMENT BY THE
DATE LISTED ABOVE, YOUR APR'S MAY BE INCREASED TO A
Credit Limit 5 22.000.00 PENALTY APR OF UP TO 38.00%.
A va ilablc Credit 0.00
a:lable Cash 0.00 Minimum Payment Warning: If you make to=3ytcan minimum
payment to
O.D. each
A Count Disputed period. you Pay m
will N es and icwll take you longer
5 cement Cl, sing Dace 01/16/13 pay off your balance. For a ,la:
Days in Billing Cycle 30 IE you make . ^.o You will oay oEf the And you will and up
additional charges balance shown on this paying an to
using this card and statement in about
each month you pay...
Contact Information
' Only the minimum 24 yearlsl $37,829.00
cu ,t.... Service: (6001 933-0505 payment
Report Lost or Stolen Card: ('1111 691 -3414 684.D0 3 years S 25,691.00
' (Savings =59.188.001
After Hours: IB001 99: -i 961
Please se nd lling Inquiries and Correspondence to.
CUE TOMER SZRVI CE PO HOC 30495 TAMPA, FL 33630
If you weultl like i n` .o rma[ion about credit counseling services,
call (811)211- 4932.
V1sic Us In the web at:
ww. aZCardlnf..com
Please Mail Your Payments to:
AMERICHDICE FCU PO BOX 4519 CAROL STREAM IL
60191_4519
- MANAGE YOUR CARD ACCOUNT ONLINE. IT'S FRES! IT'S EASY! SIMPLY GO TO WWW. EZCARCINFo.COM AND ENROLL IN OUR
ONLINE SERVICE YOU CAN REVIEW ACCOUNT INFORMATION, TRACK SPENDING, SET ALERT NOTIFICATIONS, DOWNLOAD
FILES, AND MUCH MORE. MANAGING YOUR ACCOUNT IS FAST. SECURE AND EASY WITH EZCARDINFO. ENROLL TODAY!
NOTICE: CONTINUED ON PAGE 3
Page 1 of 2 VB
PLEASE DETACH COUPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE - ALLOW 5 DAYS FOR MAIL DE0900RY
AMERSCHOICEFE DERAL CREDIT UNION
20 SPORTING OREEN'ORLVS
NECHANI_CEBURG PA 11050 - 2392 Check box to indicate
me /address Change
on back of this coupon -
AMOUNT OF PAYMENT ENCLOSED
Closing Date New Balance Total Minimum Payment Due Date
Payment i
01/16/13 $21.195.91 _ 5936.00 08/10/13 S
. IOSEPH M TREESE MAKE CHECK PAYABLE TO:
KATHLEEN M TREESE
19 LEDGEWDOD FARM DR - 99086
COHASSET MA 02025 - 2126 '601914519198'
AMERICHOICE FCU
PO BOX 4519
CAROL STREAM IL 6019 - 4519 '
- '0]025_'126190` j
19 4719 6220 1009 3909 00043600 02119591 3
I
CORP 051150 9]19e32D1 JOSEPH M TREESE
99086
JOSEPH M TREES`
KATHLEEN M TREE
Account Number: Sca cement Closing Date:
July 16,2013
ONLINE BANKING FOR YOUR CREDIT CARD 15 CONVENIENT AND FREE: WHEN YOU
ENROLL. YOU CAN MANAGE YOUR ACCOUNT 24/7. VISIT OUR WEBSITE TODAY TO GET
5 TARTED: -
Tr..... tion.
Trans Date - Pos L. Date MCC Code. Refer, nce Nu mbez Description Amount
06118 - 06/19 5412 246921611690.. 9.2]SB6 STOP 6 SHOP 0482 5 28.81
COHASSET MA -
06/19 06/ 2: 5912 245450031711004870]79 B] CVS PHARMACY 81182 003 21.'_3
COHASSET MA '
06119 06/21 5912 244450031]110048]0]]552 CUE PHARMACY 01182 003 15.69
COHASSET MA -
06/22 06/23 5411 246921631]]000335455622 STOP 6 SHOP 0482 54.82
COHASSET MA
07/03 '07/04 5411 24692163184000402406224 STOP 6 SHOP 4482 83.29
COHASSET. MA
- 07/05 07 /a] 5921 24736933 COATIS LIQUOR STORES INC 95.48
COHASSET MA
07/30 01/11 5573 2432688719308300113216 WWW.AOVA.YCEAUTOPARTS 5.09
S�0-5F1 -6485 VA
PAYMENTS, ADJUSTMENTS AND OTHERS
ACH PMT THANK t' OU 07/01 07101 0000 14119623182001523936080 4YM 38.00 -
-
TOTAL PASNTS OR ADJUSTMENTS 438.00-
- Interest Charged it
.7 /16 .7/16 74719623197648197064004 4.41
INTEREST CHARGE - PURCHASE
07116 07/i6 ]4]1962319728819]06420] 81.59
INTEREST CHARGE - CAShi
07/16 07/16 75719623197649197064002 19.68
INTEREST CEIARGE- PURCHASE
.7116' 07/16 74719623197289197064205 4.83
INTEREST CHARGE - CASH -
TOTAL INTEREST FOR THIS PERIOD 110.51
2013 Totals Year To Date -
Total Fees Charged in 2013 5 0.12
Total Interest Charged in 2013 5 772.43
Interest Charge Calculation /Plan Level Information
Plan Description ICM1 Balance Subject Periodic Annual Percentage Interest Ending Balance
to Interest Rate Rate Race (APR)2 Charge
CURRENT
PURCHASES G $ 594.21
CASH - - A 5 '_100..00 0.74174 8.90} 5 81.59
PRE,
PURCHASES - G $ 0.00 0.]9171 8.901 $ 0.00
CASH A S O.OJ 0.791]0 8.901 5 0.00
PROMOTIONAL BALANCE l i
PURCHASES G 5 8,143.83 0.2417! 2.90} 5 19.68
CASH n S 2000.00 0.2417} 2.90} 5 4.83
FEES /INTEREST CHARGE E 0.00
TOTAL 6.10} 5 110.51 S 21
i ICM Intet Char Method: Se [ side f Page 1 f - Planation.
. Your Annual res Pe zc en ge rage Rate (A e PRI the a ua inte re c on you un t.
Ivl Variable Rate. If you have a variable rate aC -Unt the periodic za to and Annual Percentage Rate (APR) may vary.
I
I
CORF O81]HO_a'119E2201. JOSEPH M TREES-
I
JOSEPH .M TREESE
KATH LEE N -M TREE: Scat eme nr Closing Dace:
Account Number: - Augusti6,2013
Summary If Account Act ivicy Payment Information
9a lance
S 21,795.91 New Balance S 21,905.53
Pre' ious
IInclutles Pa s['Dve Amount of 541E .00) Total Minimum Payment Due 5875.00
Payments 0.00 (Includes Past Due Amount of 5436.007
- Other Credits 0,00 Payment Due Date 09/10/13
Ocher Debits 0.00
Purchases, _ 0.00 Lace Pa yment warning: IF WE DO NOT RECEIVE YOUR
Cash Advances _ 0.00 MINIMUM PAYMENT BY THE DATE LISTED ABOVE, YOU MAY
HAVE TO PAY A LATE FEE UP TO $25
Fees Cha x'g etl .
Intere s't Charged 109.62
5 21,905.5] D O NO T YOUR APR MAY BE
MN
DATE LISTED HE. B.Lk�cE INCREASED TO A
credit Limit- - $ 22,000.00 PENALTY APR OF UP TO 18. OOF.
ailable Credit 0.00
-' A'aitabla cash 0.00 Minimum Payment warning: If you i �na int minimum cake you longer c payment o
Amount D'is d O.00 each period, you will pay more es and is will
puce Pay off your balance. For a ample:
Sc act ment Closing Date OB/16/13 o up
Oayr. in Bi llrng Cycle J1 If you make n You will pay off the And you nilltimdcad
additional charges Ealance ahewn on ch is payi ^B Ota l
3ng this card and scat emenc in about ...
Contact Information each month you Pay..
C— Ser'ice: IdC 01 133 -0505 m 24 year(sl S34, 06.00
Report Lost Or Stolen Card: 17177 697 -3a 74 Only the min u
payment im
After Hours: IB007 991 -4961 689.00 3 years S 24,818.00
Please send Billing Inquiriea and Correspondence to: (Savings=$9. 258.00)
- CUSTOMER SERVICE PO BOX 3-495 TAMPA, FL 3J 630
If you would like information about credit counseling services,
Visit u the web ac. - call (87')7271 -4932.
www.ezcArainfo.00m
Please Mail Your Payments to:
AMERICHO ICE FU PO BOX 4519 CAROL STREAM IL
60197 -4519
PLEASE NOTE MINIMUM PAY`IENT DUE. WE MAY REPORT INFORM \TI OH ABOUT YOUR ACCOUNT TO CREDIT BUREAUS.
LATE PAYMENTS. MISSED PAYMENTS. OR OTHER DEFAULTS MAY
Be, REFLECTED IN YOUR CREDIT REPORT.
NOTICE: CONTINUED ON PAGE 3
Page 1 of 2 Ve
PLEASE DETACH COUPON AND RETURN PAYMENT USING THE ENCLOSED ENVClO PE - ALLOW 5 DRYS FOR MAIL DE0900Ry 0916
AMERICHOICE FEDERAL CREDIT UNION
20 SPORTING GREEN DRIVE _
MECHAN ICSBURG PA 17050 - 2392 Check box to indicate
me /address change
I
back of this coupon
AMOUNT OF PAYMENT ENCLOSED
Closing Dace New Balance Total Minimum Payment Due Dace
.}m, nt Due
O6 /16 /1].• $21,90S.53 5875.00 09/10/13 5
JOSEPH M TREES- MAKE CHECK PAYABLE TO:
KATHLEEN M TREESE
19 LEDGEWOOD FARM DR 99322
CORASSET NA 02025 - 2126 '601974519198'
AMERICHOICE FCU
PO BOX 45i9
CAROL STREAM IL 60197 - 4519
')20252126190' .
•
19 4719 6220 1009 3909 00087500 02190553 7
-CO P 081190_4]1'962101 SOSEPH M TREESE
99322 f
JOSEPH M TREESE
KATHLEEN M TREEF"
Account Number: Statement Closing Date:
AugusC16,2013
MANAGE YJUR CARD ACCOUNT ONLINE. IT'S FREE! IT'S EASY! SIMPLY GO TO WNW. EZCARD INFO.COM AND ENROLL IN OUR p �
ONLINE SERVICE. YOU CAN REVIEW ACCOUNT INFORMATION, TRACK SPENDING, SET ALERT NOTIFICATIONS, DOWNLOAD
FILES, AND MUCH MORE. MANAGING YOUR ACCOUNT IS FAST. SECURE AND EASY KITH EZCARDINFO. ENROLL TODAY! !!
EXPERIENCE THE CONVENIENCE OF PAPERLESS STATEMENTS WHILE PROTECTING THE
PLANET! LOG IN TO YOUR CREDIT CARD ACCOUNT TODAY TO ENROLL IN THIS FREE
SERVICE:
Teen... tier. I
- - Trans Date Poet Dace MCC Code Reference Number Description Amounc
Interest Charged
08/16 08/16 .9.1962]228622228064005 $ 3.28
• INTEREST CHARGE - PURCHASE
D3/16 Os/16 74719623228282228069206 81.59
INTEREST - CASH
o8/16 09 /L6 14 719623228623228069003 19.92
INTEREST CHARGE - PURCHASE
o' /16 08 /16 14.19623228283228064204 4.83
INTEREST CHARGE - CASH
TOTAL INTEREST FOR THIS PERIOD 109.62
2013 Totals Year To Date
Total Fees Charged in 2013 5 0.12
Toeni Interest Charged in 2013 $ 882.05
interest Charge Calculation /Plan L 1 Information
P Ian' Descripti— eCMi Balance Subject Periodic riod Annual Percentage Interest Ending ealan ce
to intere et Race Rate Race (APR)2 Charge
CURRENT
PURCHASES G S 492.17 0.7417% 8.90k 5 3.28
CASH- A S 11000.00 0.7417% 8.90k S 81.59
PRF.V
PURCHASES - G S 0.00 0..43.1. 9.901 5 0.00 -
.. .CASH A 5 0.00 0..41.1. 8.901. $ 0.00
PROMOTIONAL BALANCE
PURCHASES G 5 8,241.23 0.241.1. 2.901. 5 19.92
2000.00 0.241.1. 2.901. $ 4.83
FEES /INTEREST CHARGE 5 O.Do
TOTAL - 6.O.k $ 109.62 $ 21,905.53
_ 1 ICM t Charge Method: See r side of Page 1 Eor explanation.
2 You[ Annual Pe [<entdge Rate IAPR) is r the annual in to [e st [ate On your aC<OUnt. -
(VI 'a variable Rate. If you have a variable rate account the Periodic rat and Annual Percentage Rate (APR) may vary.
I
gORP 061380_3'1962201 JOSEPH M TREE-
JOSEPH M TREESE
KATHLEEN M TREE: statement Closing Date:
Account Number: September15.2013
Summary of Account Activity Payment Information
' Previous 'Ba lance
c 5 21,905.53 New Balance $ 21,577.55
(Includes Past Due Amount of $435.00) Total Minimum Pa yment Due 5871.00
Pa ymencs - 436.00
Other Cr dits - 0.00 (Includes Past Due Amount of 54]9.001 10/10/13
Other Debits 0.00 Payment Due Date
Purchases 0.00
'Cash Advnnc es 0.00 Late Payment Warning: IF WE DO NOT RECEIVE YOUR
0.00 MINIMUM PAYMENT BY THE DATE LISTED ABOVE, YOU MAY .
s Cha rgeC HAVE TO PAY A LATE FEE UP TO $25.
En serest Charged - 108.02
NEW 3 Charge $ 21.577.55 IF WE DO NOT RECEIVE YOUR MINIMUM PAYMENT BY THE
DATE LISTED ABOV'e, YOUR APR'S MAY BE INCREASED TO A
Credit Limit - 5 22.000.00 PENALTY APR OF UP TO 18.00
Available Credit 0.00
Available Cash
0.00 Minimum Payment warning: if you make only the minimum payment
Amount Disputed 0.00 each period, you will pay re 1 interest and is will take you longer co
oay off your balance. For example:
ens Clesing Date 09 /1S /i3 o
Days Billing Cycle JO If you make n You will pay off the And you vill end up
additional charges balance shown on this paying a estf ma ted
ing this card and statement in about ... total of...
Contact Information each month you pay ...
CU Stonier SerYice: 10001 433 -0505 24 Is) 533, 617.00
Report Lost or Stolen Card: (1l7) 697-3474 Only paymennimum yeaz
After Hours: - 1800) 991 -9961 and Corzes de nce c 680.00 3 years S 24,499.00
.. Please send Billing Inquiries pon o. (Savings =59,130.00)
CUSTOMER SERVICE PO BOX 30495 TAMPA, FL 33630
If y ould like you w i formation about credit counseling services,
. Visit u n the web It
call (877)277- 4932.
www.e cardIn fo. tom
i
Please Mail Your Payments to
_AMF,RICHOICE FN PO BOX 4519 CAROL STREAM IL
60197 -4519
THANK YOU FOR YOUR RECENT PAYMENT, XO.SVER YOUR ACCOUNT REMAINS ONE PAYMENT PAST DUE. PLEASE REMIT
THE TOTAL PAYMENT DUE. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE
PAYMENTS. MISSED PAYMENTS, OR OTHER DEFAULTS MAY BE REFLECTED IN YOUR CREDIT REPORT.
NOTICE: CONTINUED ON PAGE 3
Page 1 of 2
PLEASE DETACH COUPON AND RETURN .PAYMENT USING THE ENCLOSED ENVELOPE - ALLOW 5 DAYS FOR MAIL DELIVERY VE
9 1 -
- AMERICHOICE FEDERAL CREDIT UNION
20 PPORTING GREEN DRIVE
MECHANICSBURG PA 17050 - 2392 Check box to indicate
me /address change
on back of this coupon
AMOUNT OF PAYMENT ENCLOSED
Closino Date New Balance Total Minimum Payment Due Date
Payment Due
09/35/13
$21.577.55 5871.00 10/10/13 5
JOSEPH M'TREESE MAKE CHECK PAYABLE TO:
KATHLEEN M TREESE
19 LEDGEWOOD FARM DR 164100
COHASSET NA 02025 - 2126 '601973519198'
AMERICHOICE FCU
PO BOX 4519
0252326190 CAROL STREAM IL 60197 - 4519
'03
19 4719 6220 1009 3909 00081100 0215 8
I
I
CORP 0,41380 JOSEPH M. TREESE
164100
JOSEPH M T, EESE
KATH LEEK M TREE!
Account Number: Statement Closing Date:
- Sept ember15.2013
MANAGE YOUR CARD ACCOUNT ONLINE. IT'S FREE! IT'S EASY! SIMPLY GO TO WWW. EZCARDINFO.COM AND ENROLL IN OUR
ONLINE SERVICE. YOU CAN REVIEW ACCOUNT INFORMATION, TRACK SPENDING, SET ALERT NOTIFICATIONS, DOWNLOAD -
FILES, AND MUCH MORE. MANAGING YOUR ACCOUNT IS FAST, SECURE AND EASY WITH EZCARDINFO. ENROLL TODAY!
EXPERIENCE THE CONVENIENCE OF PAPERLESS STATEMENTS WHILE PROTECTING THE
P LANT_T! LOG IN TO YOUR CREDIT CARD ACCOUNT TODAY TO ENROLL IN THIS FREE
SERVICE.'
Transactions
Trans Date Post Date MCC Code Reference Number Description Amount
PAYMENTS, ADJUSTMENTS AND OTHERS
08/17 08/18 0000 74719623230001534 S 436.00-
' 'ACH PMT THANK YOU
TOTAL PAYMENTS OR ADJUSTMENTS 436.00-
' Interest Charged
09/15 09/15 74719623258610258064006 1.68
INTEREST CHARGE - PURCHASE
09/15 - 09115 747.19623258273258064201 81.59
INTE�REST "CHARGE CASH
09/15 09/15 74719623258611258064004 19.92
INTEREST-CH ARGE- PURCHASE
09/15 09/15 74 4.83
INTEREST CHARGE - CASH
TOTAL INTEREST FOR THIS PERIOD 108.02
2 01 3 Totals Year To Data
Total Fees Charged in 2013 5 0.72
T-1 Interest Charged in 2013 S 990.07
in [ Charge Calculation /Plan Level Inf orma[ion
Plan Description ICM1 Balance Subject Periodic Annual Percentage Interest Ending Balance
to Interest Rate Rate Rate (APR)2 Charge
CURRENT
PURCHASES G 5 226.10 0.7417k 8.90t 5 1.68
'CASH A S 11000.00 0.7417t 8.90} $ 81.59
PREV
PURCHASES - G $ 0.00 0.74171 8,90% $ 0.00
CASH A s 0.00 0.7417% 8.90} $ O.OD
PROMOTIONAL DALANCE
PURCHASES G $ 8,243.23 0.24171 2.sot - 5 19.92
CASH A 5 2000.00 0.2417% 2.90% $ 4.8J
FEES /INTEREST CHARGE $ 0.00
TOTAL 6.04t $ 108.02 $ 21,577.55
1 /CM 'Interest Charge Method: See reverse side of Page e
o 'plan, Lion.
2 Your Annual Percentage Rate (APRI s the a interest rate on your ac count.
(VI - Variable Rate. If you have a variable rate account the periodic rate and Annual Percentage Rate IAPRI may vary.
I
I
I
I
CORP 0Si38O_ 4'I96 -' -'O1 .iOSEPH_M TREESE
JOSEPHM TREESE
KATHL ZEN M TREE! Statement Closing Data:
Account Number:. - Oc tobe r16. 2011
- Summary of Account Activity Payment Information
Previ - oua Balance S 21,5]].55 New Balance $ 20,B11.50
Palmlents 871.00 $417.00
Total Minimum Paym<nc Due
other - - 0.00 11 /30 /13
Other Debits . 0.00 Payment Due Dace
Purchases • 0.00
Cash Advances 0.00 Late Payment Warning: IF WE DO NOT RECEIVE YOUR
-Fees Charged 0.00 MINIMUM PAYMENT BY THE DATE LSSTED ABOVE, YOU MAY
104.95 HAVE TO PAY A LATE FEE UP TO S25.
Interest Chargetl
NEW BALANCE 5 20,811.50 DATE LIS TED PR MAY BE IN CREASED TO A
Credit Limit 5 22.000. PENALTY APR OF UP TO 18.00i.
Available Credit. 0.00
b le Cash 0.00 Minimum Payme nc Warning: IE you make only the m n m payment
aila
Amo unC Disputed 0.00 each period, you will pay m re in interest and iC 11 take you longer Co
Statement Closing Dace 10/16/13 pay off your balance. For example:
.Days in Billtng Cycle 31 If you make no You will pay off the And you :.'ill end up
additional charges balance shown .on [his paying an estimated
ing this card and statement in about ... total of...
each month you pay...
COntaet :nEOZmacion
Only the m um 24 years) $32,500.00
Customer Service: 1800) 433 -0505 paym lm
e nt
.Report Lost Or Stolen Card: 1]1]1 697 -3474
65].00 l years $ 23,681.00
- After Hout's :. (800) 991 -9961 (Savings.5B,819.00)
Please send 3 i13ing Inquiries and Correspondence co.
CUSTOMER $ERV ICE.PO BOX 10995 TAMPA, FL 116]0 oun
If you wou Id like information abeuc credit c seling s e
rvices,
call'(e %])2]]-4912.
Visit u the web A,
ww. a ZCa rd n f o. tom
Please Mail Your Payments to:
AMRR It DICE FN PO BOX ;519 CAROL STREAM IL
6019] -4519
MANAGE YOUR CARD ACCOUNT ONLINE. IT'S FREE! IT'S EASY! SIMPLY Go TO WWW.E2CARDINFO. COM AND ENROLL IN OUR
ONLINE SERVICE. YOU CAN REVIEW ACCOUNT INFORMATION, TRACK SPENDING. SET ALERT NOTIFICATIONS, DOWNLOAD
.. FILES. AND MUCH MORE. MANAGING YOUR ACCOUNT IS FAST, SECURE AND EASY WITH EZCARDINFO. ENROLL TODAY!
NOTICE: CONTINIHED ON PAGE 3
Page 1 of 2
PLEASE DETACH COUPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE - ALLOW 5 DAYS FOR MAIL DELIVERY VB -
0913
AMERICHOICE FEDER— CREDIT UNION
20 SPORTING GREEN DRIVE
MECHNICSBU RG PA 17050 - 2392 Check box c indicate
me /address change
n back of this coupon
AMOUNT OF PAYMENT ENCLOSED
Closing Dace New Balance a1 M nlmu m Payment Due Dace
Payment Due
10/16/13 520.811.50 5417.00 11/10/1] 5
JOSEPH M TREESE
CHECK PAYABLE T0:
KATHL ^c EN M TREF,SE MA1Cc
19 LEDGEWOOD FARM DR 300978
COHASSET MA 02025 - 2126 '6019]4519198'
AMERICHOICE FCU
PO 30% 4519'
'020252126190' CAROL STREAM IL 60197 - 4519
19 4719 6220 ID09 3909 00041 02081150 5
' E
CORP 091]90 4]1962201 JOSEPH M TREES£
1009]9 s
JOSEPH M TREESE i
KATHLEEN M TREE f
A<COUnc Number: - Stec emenc Closing Dace:
OC Lobar 16,2013
YOU MAY BE ELIGIBLE TO SKIP YOUR DECEMBER VISA PAYMENT, SO CHECK FOR DETAILS ON YOUR NOVEMBER VISA
STATEMENT: (ONLY QUALIFIED ACCOUNTS WILL BE ELIGIBLE FOR THE SKIP -A- PAYMENT). FINANCE CHARGES WILL
CONTINUE TO ACCRUE ON YOUR TOTAL BALANCE, AND THE REGULAR MINIMUM PAYMENT REQUIREMENTS WILL APPLY
BEGINNING WITH THE JANUARY. 2014 DUE DATE.
Transactions
'Trans Data Post Date MCC Code Reference Number Description Amount
PAYMENTS, ADJUSTMENTS AND OTHERS
09/20 -09/20 0000 l4 ]19623263001592656364 $ 439.00 -
- ACH PMT THANK YOU
]0 /]0 10 /]0 0000 ]4]19623293001545511'!52 432.00 -
ACH P— nU N'K YOU
' TOTAL PAYMENTS OR ADJUSTMENTS 811.00-
_ Interest Charged
10 /le 10/16
791196232992622990e4200 80,.20
INTEREST CHARGE'- CASH
10116 10116 ]4]19623299591299064004 - 19.92
INTEREST CHARGE - PURCHASE
X" 10/16 14119623289263289064206 4.63 -
INTEREST CHARGE'- CASH -
TOTAL INTEREST FOR THIS PERIOD 104.95
-- 2013 Totals Year To Data
Total Fees Charged in 2013 $ 0.12
Total Into re ac Charged in 2013 $ 1095.02
Incerest Charge Calculation /Plan. Level Information
Plan Description ICM1 3a1ance Subject Periodic Annual Percentage Incerest Ending Balance
to Inta rest Rate Race Rate (APR)2 Charge
CURRENT
PURCHASES G $ 000 0.79 17, 9.901 S 0.00
CASH A 5 10911..28 0.]41'1, 8.901 5 90.20
PREV
PURCHASES G 5 0.00 0.]411, 0.90, 5 0.00
CASH A 5 0.00 0.]411} 8.901 S 0.00
PROMOTIONAL BALANCE -
PURCHASES G 5 6,243.23 J.241]t 2.90, 5 19.92
CASH - A S 2000.00 0.291]} 2.90} $ 4.8I
FEES /INTEREST CHARGE $ 0 . 00
TOTAL 5.98} $ 109.95 $ 20,811.50
I IOM Interest Charge Method: See "T" side f o Page 1 for explanation.
2 You r, Annual Pe rcantage Rate (APR) is the a _1 i n you
Iv1 'Variable Rat e. if 'you have a ruble rate ,count the periodic ra te and Percentage Race (APR) may vary.
CORP 081350 JOSEPH M TREESE
JOSEPH M TREESE
KATHLEEN U TREES
Account :: mbar Statement Closing Dace:
Yovember15, 2013
summary of Account Activity Payment Information
Previous Balance 5 20,811.50 New Balance S 20,913.86
IIncludes Past Due Amount of 541].001
Total Minimum Payment Due $836.00 -
Pavmenca - 0.00
Ocher credits - 0.00 I[neludee Pe sc Due Amount of 5417.00}
- Other Debits 0.00 Payment Due Date - 12/10/13
Pu echase. - 0.00
Cash Advances - 0.00 Late Payment Warning: IF WE 00 NOT RECEIVE YOUR
MINIMUM PAYMENT BY THE DATE LISTED ABOVE, YOU MAY
Fees Charmed - O.JO HAVE TO PAY A LATE FEE UP TO 525.
Inca r..t Charged 102.16
NEW BALANCE $ 20,911.56 Lace Payment Warning: IF WE DO NOT RECEIVE YOUR
MINIMUM PAYMENT BY THE DATE LISTED ABOVE, YOUR APR'S
Credit Limit S 22. OJD.OJ MAY BE INCREASED TO A PENALTY APR OF UP TO 18.o0t.
'Available Credit 0.00
Available Cash 0.00
Amount Disputed 0,00 Minimum Pa yment Warning: If you make only the m n payment o
ach period, you will pay m interest and it will take you longer t
Sta Cement Closing Date 11/15/13 Pay off your balance. For example:
Days in Billing Cycle - 30
lC you make no You will pay off the And you will end up
additional charged balance shown on this paying a estimated
using thie card and .[.Cement to about ... total of
each month you pay...
Contact Informs ti on
Only the m im um 24 year(.) $32,739.00
Customer Service: (800) 433 -0505 payment
Report Lost or Scolen Card: 1717) 697 -3474
ACt,r Hours: (B00) 991-9961 662.00 l years 5 23,851.00 -
(Savings�58.B86.00)
Plead, send Billing Inquiries and Correspondence co.
CUSTOMER SERVICE PO BOX 30495 TAMPA, FL 33630
' - - Tf you would like information about credit counseling services,
Visit u n the web at. call (8771277 -4932.
.e2Cerd in'.. com -
• Please Mail Your Paymen t
AMERICHOICE FCU PO BOX 4519 CAROL STREAM IL
tiO397 -4519 -
PLEASE NOTE MINIMUM PAYMENT DUE. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS.
LATE PAYMENTS. MISSED PAYMENTS. OR OTHER DEFAULTS MAY BE REFLECTED IN YOUR CREDIT REPORT.
NOTICE: CONTINUED ON PAGE 3
Page 1 of 2
PLEASE DETACH COUPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE - ALLOW UP TO 7 DAYS FOR RECEIPT VB -
0906
AMERICHDICE FEDERAL CREDIT UNION
20 SPORTING GREEN DRIVE
MECHANICSBURO PA 17050 - 2392
Check box to indicate
me 1,ddr ass change
n back of this coupon
AMOUNT OF PAYMENT ENCLOSED
Closing Dace New Balance - Total Minimum Payment Due Data
Payment Due
11/15/1) _ .$20,913.86 $a 36.00 12/10/11 5
JOSEPH M TREESE
KATHLEEN M TREESE MAKE CHECK PAYABLE TO:
19 LEDGEWOOD FARM DR 100931
CONASSET MA 02025 - 2126 '601974519198'
AMERICHOICE FCU
PO BOX 4519
CAROL STREAM IL 60197 - 4519
19 4719 6220 1009 3909 00093600 02D91336 4
I I
I
AMERICHGICE FEDERAL, CREDIT UNION
1009J1
.1OSEPH M TREESE
KATHLEEN - M TREEF
Account Number: Statement Closing Date:
November15,2013
no Date Post Date MCC Code Reference Number Deacripci0n Amount
Interest Charged
11 /" 11 /15 74719623319258319064206 5 ]].61
INTEREST CHARGE - CASH
li /IS 11/15 1 4]196233195]4319064008 19.92
INTEREST CHARGE - PURCHASE
11/15 '11/15 ]4]19623319259319064204 4.03
INTEREST CHARGE - CASH -
TOTAL INTEREST FOR THIS PERIOD 0.00
2013 Totals Year TO Date
Total Fees Charged in 2013 5 0.12
Total Interest Charged in 2013 $ 1191.38
Interest Charge Calculation /Plan Level Information
Plan Description ICM1 Balance Subject Periodic Annual Percentage Interest Ending Balance
to Interest Rate Rate Rate IApR12 Charge
CURRENT
PURCHASES G 5 0.000.]41]k R. 90k 5 0.00 -
CASH A 5 10961.32 0.]97]4 8.90k 5 ]]. 61
PREY
PURCHASES. - G 5 0.000.]91]4 8.904 5 0.00
CASH - 'A 5 0.000.]91]4 e. 90t 5 0.00
- PROMOTIONAL BA LANCE
.PURCHASES G 5 4,243.23 0.2417t 2.90} 5 19.92
CASH - n 5 2000.00 0.291]k 2.901 5 9,83
'FEES /INTEREST CHARGE 5 D.00
TOTAL 5.931 5 102.36 S 20,913.86
. l ICI Interest Charge Method: See r e o rate on your side of Page 1 f — planation.
r Annual Pe [tentage Rete (A PRIVS r the a Sal i a -
IV) Variable Rate. If you have a variable race account the periodic race and t Annual Percentage Rate IAPRI may vary.
I
i
CORP Utl 1190_ 17196220/ JOSEPH M TREESE
j
JOSEPH M TREESE
KATHLEEN M TREE'- Statement Closing Date:
Account Number: Janus ry 16,2014
- Summary of Account Activity Payment Information
P.revious9a la nce S 21.041.22 New Balance S 21,166.59
Total Minimum Payment Due $1681.00
'(includes Past Due Amount of $1,257.00)
Payments O.00
Ocher Credits - 0.00 (Includes Past Due Amount of $1,251.00)
Ocher Debits. - 0.00 Payment Due Date 02/10/14
Purchases - 6'00
Cash Advances - 0.00 Late Payment Wazrting: IP WE DO NOT RECEIVE YOUR
MINIMUM PAYMENT BY THE DATE LISTED ABOVE, YOU MAY
- Fees Cha rued' - - 25.00 HAVE TO PAY A LATE FEE UP TO $25.
• - e Charged - 102.36
'NEw LAN Cc 5 21,169.58 Lace Payment Warning: IF WE 00 NOT RECEIVE YOUR
MINIMUM PAYMENT BY THE DATE LISTED ABOVE, YOUR APR's
Credit Limit S 22,000.00 MAY BE INCREASED TO A PENALTY APR OF UP TO le. 004. _
Available Credit - 0.00
00
ilahle Cash 0. in
A_ nt.DSSp d 0.00 Minimum Payment warning: If y gu l Pake C e Lly the m m payment Co
Bch period.,you w111 pay m est and it you longer l will take
S raceme'[ Closing Dace 01/16/14 pay off your balance. For e.. mp1 :ln
Days in Billing cycle 31 up
If you make n You will pay off chi And you will end ed
charges balance shown on this paying a estimated
addi -, - sing ing this this card and statement In about ... cot al oE...
each month you pay...
Contact Information
Only the mi 20 year(.) $29,013.00
Customer Seivice:. (800) 433 -0505 paymencim
Report Lost or Stolen Card: (717) 697 -3474
After Hours: 1800) 991-4961 646.00 3 yearn
(Savings =S 5. 960.00)
Pi ... e rend Bi king Inguirles no Correspondence to.
CUSTOMER SERVICE PO BOX 30495 TAMPA, FL 33630
- tf you would like inf orma:ion about credit counseling services, ..
e Cs the wcb ac. - ca tl (6771277 -4912.
' �ww.Erarnf g.tom
Please Fatl Your Payments t
A!:ERICHOICE FCU PO BOX <519 CAROL STREAM IL
60197 -4519
NOTICE: CONTINUED ON PAGE 3
?age 1 of 2
PLEASE UETACH COUPON AID RETURN PAYMENT US— THE ENCLOSED ENVELOPE - ALLOW UP TO 7 DAYS FOR RECEIPT VB -
2 MEHICHOICE FEDERAL CREDIT UNION
0 SPORT INO GREEN DRIVE
MECHANICSBURG PA 17050 - 2192 j
Check boz to indicate
- a me /a dd [e ss change
n back of this coupon
AMOUNT OF PAYMENT ENCLOSED
Closing Dace New Balance Total Minimum Payment Due Date
Payment Due
01/16/14 521, 168. SS $1661.00 02/10/14 $
JOSEPH M TREESE
KATH L'c EN M TREESE MAKE CHECK PAYABLE TO:
19 LEDGEWOOD FARM OR 100633
COHASSET MA 02025 - 2126 '601974519198'
AMERICHOICE FCU
_ PO BOX 4519
CAROL STREAM IL 60197 - 4519
19 4719 6220 1009 3909 0016.100 02116656 2
I
I
I
f -
j
CORP 001300_471962.01. JOSEPH M TREESE'
100633
JOSEPH M TREESE
KATHLEEN M TREE.
Account NumCOt': Scacement Closing Date:
Januaryl6,2014
Notice Of Changes To Your Interest Race
YOU HAVE TRIGGERED THE PENALTY APR OF 18% BECAUSE WE DID NOT RECEIVE YOUR
MINIMUM PAYMENT WITHIN 60 DAYS OF THE DUE DATE. AS OF 03/17/14 THE PENALTY APR WILL
APPLY TO ALL EXISTING BALANCES AND NEW TRANSACTIONS ON YOUR ACCOUNT.
i
I F Y O UM AKE SIX CONSECUTIVE MINIMUM PAYMENTS STARTING WITH YOUR FIRST PAYMENT DUE
AFTER 01/17/14, YOUR RATE WILL RETURN TO THE STANDARD APR. IF YOU 00 NOT MAKE THESE
SIX CONSECUTIVE PAYMENTS, WE MAY KEEP THE PENALTY APR ON YOUR ACCOUNT
INDEFINITELY.
THIS ACCOUNT CONTINUES TO REMAIN SERIOUSLY PAST DUE. THE PAYMENT IS NOW OVERDUE THREE MONTHS.
CALL YOUR INSTITUTION TO MAKE AR RANCEMEENTS TO FORESTALL FURTHER ACTION.
...' ......................................... ...............................
• - THE TOTAL FINANCE CHARGE PAID ON YOUR ACCOUNT DURING THE PAST YEAR WAS
$ 1088.15
MANAGE YOUR CARD ACCOUNT ONLINE. IT'S FREE! IT'S EASYI SIMPLY CO TO WWW.EZCARDINFO.COM AND ENROLL IN
OUR ONLINE SERVICE. YOU CAN REVIEW ACCOUNT INFORMATION. TRACK SPENDING, SET ALERT NOTIFICATIONS,
DOWNLOAD FILES, AND MUCH MORE. MANAGING YOUR ACCOUNT IS FAST, SECURE AND EASY WITH EZCARDINFO.
ENROLL TODAY!
Transactions
Trans Dace Post Dace MCC Code Reference Number Description Amount
FEES
Ol./16 di /16 0000 74719624016004016062000 $ 25.00
ATE FEE
TOTAL FEES FOR THIS PERIOO Charged
' Interest Charged '
01/16 01/16 74719624016252016064209 77.61
INTEREST CHARGE - CASH
OI /l6 01/16 74]19624016651016064004 19.92
INT A
EREST.CHARCE-PURCHSE
01/16 01/16 - 74719624016253016064207 4.83
• INTEREST CHARGE CASH F
TOTAL INTEREST FO0. THIS PERIOD 0.00 '..
2014 Totals Year To Dace
Total Fees Charged in 2014 S 25.00
Total Interest Charged in 2014 5 102.36 '
• Interest Charge Calculation /Plan Level Into rmation
Plan De. riPCi.e III- Balance Subject Periodic Annual Percentage Interest Ending Balance
. - to Interest Race Rate Rate (APR)2 Charge
CURRENT
PURCHASES G 5 0.000.741]R 9.908 S 0.00
CASH A S 10463.32 0.7417! 8.9011 $ 77.61
PF.EV '..
PURCHASES C $ 0.000.741711 B.90k $ 0.00
CASH A S 0.000.741]. 8.90% $ 0.00
PROMOTIONAL BALANCE
PURCHASES G S 8.243123 0.2417% 2.901 $ 19.92
CASH A $ 2000.00 0.2417. 2.90! $ 4.83
PEES /IN'rEREBT.CHARC'e $ 0.00 a i l
TOTAL 5.931 $ 102.]6 $ 21,168.56
1 ICM Interest Charge Method: See r side of Page 1 'or explanation.
2 Your Annual Percentage Race (APRl a is r che annual ince re st race on your account.
IV) Variable Race. If you have a v,.i,ble rate account the periodic rate and Annual Percentage Race (APR) may vary.
I
CORP 081380 471962201 JOSEPH .M TA EESE
I
JOSEPH M TR EESE
KATHLEEN M TREE Statement Closing Date:
Account N_b— Feb rua Yy 13,2014
Summary o: Account Activity Payment Information
Previous Balance S 21,168.58 New Balance 5 21,347.16
(Include. Past Due Amount of 51.681.001
- Total Minimum Payment Due $2108.00
Payments - 0.00
Other. Credits - 0.00 (Include. Past Due Amount of $1.681.00)
Other Deb:es - 0.00 Payment Due Date 03 /10/35
Purchases - 0'00
Cash Advances 0.70 Late Payment Warning: IF WE DO NOT RECEIVE YOUR
MINIMUM PAYMENT BY THE DATE LISTED ABOVE, YOU MAY
Fees Charged 25.00 HAVE TO PAY A LATE FEE UP TO $25.
Interest Cha rgetl 153.58
NEW BALANCE S 21,347.16 Late Payment Warning: IF We DO NOT RECEIVE YOUR
M IN IMUM PAYMENT BY THE DATE LISTED ABOVE, YOUR APR'S
Credit Limit S 22,000.00 MAY BE INCREASED TO A PENALTY APR OF UP TO 18. 0Ot.
Available Credit 0.00
Available Cash 0.00
Amount Disputed 0.00 Minimum Payment warning: If you make only the minimum payment
ach period, you Will pay m interest and it will take you longer to
Statement Closing Data 02/13/14 pay off your balance. For example:
y
Das in Billing Cycle 26
' If you make no You will pay off the And you will end up
additional charges balance shown on this paying an estimated
ing this card and stateme n[ in about ... total of
each month you pay...
Contact Information
Only the minim
um 55 year(.) 582,725.00
_ Cuat...r Service: (800) 433 -0505 Payment
_ Repo:'[ Lost or Stolen Card: (7171 697 -3574
After Hours: (800) 991-4961 772.00 1 years S 27,783.00
(Savings =S 54,941.001 ,
Please send Billing Inquiries and Correspondence to:
CUSTOMER SERVICE PO BOX 30455 TAMPA, FL 33630
If you would like information about credit counseling se rvlces,
Visit u the Web at: Call (8771277 -4972.
- .rover: e2Cardlnfo. com
Please Mail Your Payments to:
-AMERI CHOICE FCU PO BOX 4519 CAROL STREAM IL
60197 -4519 -
YOUR ACCOUNT IS NOW FOUR MONTHS PAST DUE. PLEASE REMIT THE TOTAL PAYMENT DUE.
nnn
NOTICE: CONTINUED ON PAGE 3 -
Page 1 of 2
PLEASE DETACH COUPON AND RET711U5 PAYMENT USING THE ENCLOSED ENVELOPE - ALLOW UP TO 7 DAYS FOR RECEIPT VS -
AMERICHOICE FEDERAL CREDIT UNION
20,SPORTING GREEN DRIVE
MECHAN ICSBURG PA 17050 - 2392
Check box co indicate
me /address change
n back of this coupon
AMOUNT OF PAYMENT ENCLOSED
Closing Date _ New Balance Total Minimum Payment Ous Date
PaymervL Due
02/13/15 $21.347.16 $2108.00 03/10/14 S
JOSEPH M MEESE
KATHLEEN M TRESSE MAKE CHECX PAYABLE T2:
19 LEDGEWOOD FARM OR 99996
COHASSET MA 02025 - 2126 1601974519198'
AMERICHOICE FCU
PO BOX 4519
CAROL STREAM IL 60197 - 4519
19 4719 6220 1009 3909 00210800 02134116 3
I
CORP 081380 JOSEPH M, TREESE
99996
S05EPH M TRE-E
KATHLEEN M TAEE�
Account Number: Statement Closing Date:
F ebrvary13, 2014
. ....................•.•..................... ...............................
• THE TOTAL FINANCE CHARGE PAID ON YOUR ACCOUNT DURING THE PAST YEAR WAS
5 .1 OBB.15
MANAGE YOUR CARD ACCOUNT ONLINE IT'S FRES! IT'S EASY! SIMPLY GO TO WWW. EZCARDINFO.COM AND ENROLL -IN
OUR ONL SERVICE. YOU CAN RSVIEW ACCOUNT INFORMATION, TRACK SPENDING, SET ALERT NOTIFICATIONS,
- DOWNLOAD FILES, AND MUCH MORE. MANAGING YOUR ACCOUNT IS FAST, SECURE AND EASY WITH EZCARDINFO.
ENROLL TODAY!
nnn - Transactions
Trans Data Post Date MCC Code Reference Number Description Amount
FEES
02/13 02/13 0000 74719624044002044062006 $ 25.00 i
LATE FEE
TOTAL FEES FOR THIS PERIOD 0.00
Interest Charged
02113 02/13 74719624044375044064002 _ 61.14
INTEREST CHARGE -FUR CHASE
02113 02/13 14719624044213044064203 92.44
INTEREST - CHARGE - CASH
- TDTAL INTEREST FOR THIS PERIOD 0.00
2014 Totals Year To Data
Total Fees Charged in 2014 S 50.00
Total Interest Charged in 2014 S 255.94
Interest Charge C.leula cion /Plan Level Information
Plan Description ICM1 Balance Subject Periodic Annual Percentage Interest Ending Balance
to Interest Ra [e Rate Rate (APR)2 Charge
CURRENT
- 'PURCHASES G S 8,243.23 0.7417} 8.901, 5 61.14
CASH - A S 12463.32 0.7417} 8.90} 5 92.44
PREV
PURCHASES G 5 O.OU0.7417} 8.90} 'S 0.00
CA511 A S 0.000.7417k 8.90} 5 0.00
PROMOTIONAL BALANCE
PURCHASES. G 5 0.000.2417} 2.90} 5 ,00
CASH .. S O.O D0.2437k 2.90} 5 0 0.00
FEES /INTEREST CHARGE S 0.00
TOTAL 8.90} $ 153.58 $ 21,347.16
1 ICM Interest Charge Method: See : e r aide of Page 1 for "Pla.......
2 Your AM Ual Percentage Rate (APR) is the annual interest rate on your account.
(V) Variable Rate. If y u have a variable race account the periodic rate and Annual Percentage Race (APR) may vary.
i
CORP 081390 471969'_01 JOSEPH M TREESE
JOSEPH M TREESE .
KATHLEEN M TREES
AccounC Number: Statement Closing Data:
Ma rc h16,2014
I
Summary of Account Activity Payment Information
Pre Vioua Balance 5 21,347.16 New Balance 5 21,525.79
(Includes'Past Due Amount of $2.108.00)
Total Minimum Payment Due 52539.00
Paymen CS 0.00
Other Credits - - 0.00 II nel Id es Past Due Amount of 52,108.001
O Cher Debits - _ 0.00 Payment Due Dale 04/ID/14
Purchases 0.00
C.ish Advances • 0.00 Late Payment Warning: IF WE DO NOT RECEIVE YOUR
MINIMUM PAYMENT BY THE DATE LISTED ABOVE, YOU MAY
. Fees Charged - 25.00 HAVE TO PAY A LATE FEEE UP TO $25.
Interest Charged - - 15].58
NEN BALANCE S 21,525.74 Late Pa ymenC Warning: IF WE DO NOT RECEIVE YOUR "
MINIMUM PAYMENT BY THE DATE LISTED ABOVE, YOUR APR's
Credit.Lim iC - S 22,000.00 MAY BE INCREASED TO A PENALTY APR OF UP TO 18.00%.
Available Credit 0.00
Available Cash 0.00
Amount Disputed 0,00 Minimum Payment Warning: If you make only the m m paymen
ach period, you will pay m interest and is will cake you longer to
SCa Cement Closing Dace 03/16/14 pay ofE your balance. For example:
Days in Billing Cycle 31
_ - IE you make n You will pay off the And you will and up
additional charge, balance shown on this paying a estimated
..in g this card and a atemenc .n about ... total of...
each month you pay ...
t
Contact ?n- o- macicn
Only Che m um 55 Year(B) 583,490.00
Customer Service: (800) 433 -0505 payment
Report Lost or Stolen Card: (7171 697 -3479
After Hpv rs: 18001 991 -4961 778.00 3 years 5 20,016.00
(Savings - $55,424.001
Please send Billing Inquiries and Co rr a soondence to:
CUSTOMER SERVICE PO BOX )0455 TAMPA. FL 33630
If you would like information about credit counseling services.
,it u n the Call (877)277.49)2.
— Iz C.rdInI..Com
Please Mail Your Payments to:
AMERICHOICE FCU PO BOX 4515 CAROL STREAM IL
60197 -4519
YOUR ACCOUNT REMAINS FIVE MONTHS PAST DUE. PLEASE REMIT THE TOTAL PAYMENT DUE.
nnn
NOTICE: CONTINUED ON PAGE 3
Page 1 o 2
PLEASE DETACH COUPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE - ALLOW UP TO 7 DAYS FOR RECEIPT VB -
'A.MERICHOICE FEDERAL CREDIT UNION
20 SPORTING GREEN DRIVE
MECHANI CSB URG PA 17050 - 2392
Check box to indicate
me /address change
_ -
on back of this coupon
'AMOUNT OF PAYMENT ENCLOSED
Closing Date New Balance Total Minimum Payment Due Date
Payment Due
03/16114 $21.525.74 52539.00 04/10/14 5
JOSEPH M TREESE
KATHLEEN M TREESE MAKE CHECK PAYABLE TO:
• - 19 LEDGEWOOD FARM DR 163535
- COHASSET MT 02025 - 2126 X601974519198'
_ AMERICHOICE FCU
PO BOX 4519
CAROL STREAM IL 60191 - 4519
19 4719 6220 1009 3909 00253900 02152574 9
CORP 081380_4 JOSEPH M TREESE
JOSEPH M TREESE
KATHLEEN M TREE!
Account Number: statement closing Data:
March16.2014
................................................................ ..........
THE TOTAL FINANCE CHARGE PAID ON YOUR ACCOUNT DURING THE PAST YEAR WAS
................................................................
In.
MANAGE YOUR CARD ACCOUNT ONLINE. IT'S FREE! IT'S EASY! SIMPLY GO TO WWW EZCARGINFO.COM AND ENROLL IN
OUR ONLINE SERVICE. YOU CAN REVIEW ACCOUNT INFORMATION, TRACK SPENDING, SET ALERT NOTIFICATIONS,
DOWNLOAD FILES, AND MUCH MORE. MANAGING YOUR ACCOUNT IS FAST, SECURE AND EASY WITH EZCARDrNFO.
ENROLL TODAY]
nnn
Transactions
Trans Date Post Date MCC Code Reference Number Description A,,,,,
FEES
*
03/16 03/16 0000 7 4719624075002075062003 $ 25.00
-T FEE
TOTAL FEES FOR THIS PERIOD 0.00
Interest Charged
03/16 03/16 74719624075348075064003 61.14
INTEREST CHARGE-PURCHASE
•03/16 .3/16 7 4719624075209075064205 9-4
INTEREST CHARGE • CASH
TOTAL IN EREST FOR THIS PERIOD 0.00
2014 Totals Year To Date
Total Fee C ha rge d in 2014 71,11
Tot al In C 119e Charged in 2014 S 409.52
1—c—t Charge Ca1111111-1 InI. ti.n
Plan
Description ICMI Balance 11 Periodic Annual Percentage Interest Ending Balance
to Race Rate (APR)2 Charge
CURRENT
PURCHASES G 0.7917\ 8190\ 5 61.19
CASH S ':4 " 0.74174 6.904 5 92.99
PREV
PURCHASES G 5 0.000.7417% 8.904 S 0.00
. .
A S 00001417% S
CASH ;.00
PROMOTIONAL BALANCE
PURCHASES G S 0.000.24174 2.904 $ 0 00
CASH A S 0 0 0 7 2.90} S 6.00
FEES /INTEREST CHARGE 5 0.00
TOTAL 8.904 5 153. 'B 21,525—
I IC' Inle rest Charge Method: fee I ...... .id, of Page I for explanation.
Your Annual Percentage Rate (APR) is the annual interest rate on your account,
(V) Variable' Race. If you have a variable rate account the periodic rate and A —1 Percentage Rate (APR) may very.