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14-2009
COMMONWEALTH OF PENNSYLVANIA COURT OF COMMON PLEAS NOTICE OF APPEAL Judicial District, County OfC,j,( �� FROM MAGISTERIAL DISTRICT JUDGE JUDGMENT J COMMO PLEAS No. NOTICE OF APPEAL Notice is given that the appellant has filed in the above Court of Common Pleas an appeal from the judgment rendered by the Magisterial District Judge on the date and in the case referenced below. NAME OF APPELLANT MAG. DIST. NO. NAME OF MDJ ADDRESS OF APPELLANT CITY STATE ZIP CODE cnk �� A ATE OF JUDGMENT ain an ( DOCKET No. SIGNATURE OF APPELLANT OR ATTORNEY OR AGENT ICv_ CCWI14-C'1�A This block will be signed ONLY when this notation is required under Pa. If appellant as Claimant (see Pa. R. .P. .J. No. 1001(6) in action R.C.P.D.J. No. 10088. This Notice of Appeal, when received by the Magisterial District Judge, will before a Magisterial District Judge, A COMPLAINT MUST BE FILED operate as a SUPERSEDEAS to the judgment for possession in this case. within twenty (20) days after filing the NOTICE ofAPPEAL. Signature of Prothonotary or Deputy PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE (This section of form to be used ONLY when appellant was DEFENDANT (see Pa. R. C. P. D.J. No. 1001(7) in action before Magisterial District Judge. IF NOT USED, detach from copy of notice of appeal to be served upon appellee. PRAECIPE: To Prothonotary Enter rule upoll , �� appellee(s), to file a complaint in this appeal Name of appellee(s) (Common Pleas No. (,� ) within twenty (20) days after service of rule or suffer entry of judgmen ,of non pros. Signature of appellant or attorney or agent RULE: ToA� m V p �s � �� , appellee(s) � t ame o apps (1) You are notified that a rule is hereby entered upon you to file a complaint in this appeal within twenty (20) days after the date of service of this rule upon you by personal service or by certified or registered mail. (2) If you do not file a complaint within this time, a JUDGMENT OF NON PROS MAYBE ENTERED AGAINST YOU. (3) The date of service of this rule if service was by mail is the date of the mailing. Date: 20 l "af�/ Signature of Prothonotary or Deputy YOU MUST INCLUDE A COPY OF THE NOW' OF JUD,9, 91a TfARANSCRIPT FORM WITH THIS NOTICE OF APPEAL. The appellee and the magisterial district judge in whosp tFi� judgment w_ as rendered must be served with a copy of this Notice pursuant to Pa.R.C.P.M.D.J. 1005(A). 0-11X� to att AOPC 312 -05 C ` V 3a3S"?9 COMMONWEALTH OF PENNSYLVANIA Notice of Judgment/Transcript Civil COUNTY OF CUMBERLAND Case Mag. Dist. No: MDJ- 09 -3 -02 TD Bank USA NA as Successor In Interest to MDJ Name: Honorable Vivian Cohick Target National Bank Address: 55 Penn Drive V. Newville, PA 17241 Travis W. Smith Telephone: 717 -776 -3187 Travis W. Smith Docket No: MJ- 09302 -CV- 0000014 -2014 175 Whiskey Run Road Case Filed: 1/21/2014 Newville, PA 17241 COPY Disposition Summary (cc cross complaint) _ Docket No Plaintiff Defendant Disposition Disposition Date MJ- 09302 -CV- 0000014 -2014 TD Bank USA NA as Successor Travis W. Smith Default Judgment for Plaintiff 03/1012014 In Interest to Target National Bank Judgment Summary Participant Joint/Several Liability Individual Liability Amount TD Bank USA NA as Successor In Interest to $0.00 $0.00 $0.00 Target National Bank Travis W. Smith $0.00 $5,605.61 $5,605.61 Judgment Finding ( " Post Judgment) In the matter of TD Bank USA NA as Successor In Interest to Target National Bank vs. Travis W. Smith on MJ- 09302 -CV- 0000014 -2014, on 3/10/2014 the judgment was awarded as follows: Judgment Component Joint/Several Liability Individual Liability . Deposit Applied Amount Civil Judgment $0.00 $5.457.11 $5.457.11 Costs $0.00 $148.50 $148.50 Grand Total: $5,605.61 ANY PAR" HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH THE PROTHGNOTARYICLERK OF COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF JUDGMENT/TRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL. `- EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES, IF THE JUDGMENT HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE MAGISTERIAL DISTRICT JUDGE. UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A REQUEST FOR ENTRY OF SATISFACTION WITH THE MAGISTERIAL DISTRICT JUDGE IF THE JUDGMENT DEBTOR PAYS IN FULL, SETTLES, OR OTHERWISE COMPLIES WITH THE JUDGMENT. -- -' Date Magisterial District Judge Vivian Cohick ' certify that this Is a true and correct copy of the record oft the proceedings containing the judgment. Date Magisterial District Judge MDJS 315 Page 1 of 2 Printed 03/102014 t06:45PM TD Bank USA NA as Successor In Interest to Docket No.: MJ- 09302 -CV- 0000014 -2014 Target National Bank V. Travis W. Smith Participant List Plaintiff(s) TD Bank USA NA as Successor In Interest to Target National Bank c/o Gregg Morris Esquire 213 East Main Street Carnegie, PA 15106 Defendant(s) Travis W. Smith _ ._... _..._ ._. 175 Whiskey Run Road Newville, PA 17241 Complainant's Attorney(s) Gregg Morris, Esq. 213 East Main Street Patenaude & Felix, A.P.C. Carnegie, PA 15106 Copy MDJS 315 Page 2 of 2 Printed: 03/10/2014 1:06:45PM 1. f'? 0 1 11 0 4)14 API? 10 P11 1:27 C EIMEERL A NI) CO T PENNS Y'l_VA NI 15, PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT (This proof of service MUST BE FILED WITHIN TEN (10) DAYS AFTER filing of the notice of appeal. Check applicable boxes.) COMMONWEALTH OF PENNSYLVANIA COUNTY OF ap-Coc., ttcfJ ss AFFIDAVIT: I hereby (swear) (affirm) that I served Ui a copy of the Notice of Appeal, Common Pleas No. , upon the Magisterial District Judge designated therein on (date of service) k '1 , 201 k , 0 by personal service 14 by (certified) (registered) mail, sender's receipt attached hereto, and upon th,p appellee, (nameFD LA"‘-°\ k") Pt (+I , 201(4 0 by personal servicd by (certified) (registered) mail, sender's receipt attached hereto. DAY OF , 20 I L A (SWO.T.k. N) (AFFIRM) AND SUBSCRIBED BEFORE ME THIS Signatu dal before whom affidavit was made -) an 3 V1-k- o fficial My commission expires onK15, 20‘ CO AOPC 312A- 05 COMMONWEALTH OF PENNSYLVANIA Notarial Seal Gretchen T. Gt!es, Notary Public Somerset Boro, Somerset County My Commission Expires Oct. 15, 2016 miusty A4IA ASSOCIATION OF NOTARIES U.S. Postal ServiceTM CERTIFIED MAILTM RECEIPT (Domestic Mail Only; No Insurance Coverage Provided) For delivery information visit our website at www.usps.com® ' ll F C 11 i L Postage Certified Fee Return Receipt Fee (Endorsement Required) Restricted Delivery Fee (Endorsement Required) Total Postage & Fees Sent To Street, ,mot. o.; or PO Box No. State ZIP+4 Oil 41_04t • ilk PS Form 38nn . u • ust 2006 r-1 ru ..n /OA See Reverse for Instructions U.S. Posta1_ServiceTM CERTIFIED MAILTM RECEIPT (Domestic Mail Only; No Insurance Coverage Provided) For delivery information visit our website at www usps.com® Postage Certified Fee Return Receipt Fee (Endorsement Required) Restricted Delivery Fee (Endorsement Required) Total Postage & Fees SOMfiR 09 FT -C ` Postmark Haul �ea/of • .a oh. PS Form 3800, August 2006 !L D ;:; THE 2014 APR 114 PM 12' CUMBERLAND COUNTY -PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TD BANK USA, N.A., AS SUCCESSOR IN INTEREST TO TARGET NATIONAL BANK V. TRAVIS W SMITH Plaintiff Defendant(s) NO. 14-2009-CV COMPLAINT IN CIVIL ACTION Filed on behalf of: TD BANK USA, N.A., AS SUCCESSOR IN INTEREST TO TARGET NATIONAL BANK Counsel of Record for This Party: Gregg L. Morris, Esquire Pa I.D. #69006 Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PF_PA_11 Cmplt Cyr Sht P&F File No, 13-37370 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TD BANK USA, N.A., AS SUCCESSOR IN INTEREST TO TARGET NATIONAL BANK V. TRAVIS W SMITH Plaintiff Defendant(s) NOTICE TO DEFEND 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 an attorney, and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE.IF YOU DO NOT HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717 - 249 -3166 PA 21Notice to Defend NO. 14- 2009 -CV Usted ha sido demandado en come. Si usted desea defenderse de las demandas que se presentan mas adelante en las siguientes paginas, debe tomar accion dentro de los proximos veinte (20) dias despues de la notificacion de esta Demanda y Aviso radicando personalmente o por medio de un abogado una comparecencia escrita y radicando en la Corte por escrito sus defensas de, y objecciones a, las demandas presentadas aqui en contra suya. Se le advierte de que si usted fall de tomar accion como se describe anteriormente, el caso pude proceder sin usted y un fallo por cualquier suma de dinero reclamada en la demanda o cualquier reclamacion o remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero o propiedad au otros derechos importances para usted. USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO, LLAME 0 VAYA A LA SIGUENTE OFICINA. ESTA OFICINA PUEDE PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSSIBLE QUE ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIAS QUE OFREZCAN SERVICIOS LEGALES SIN CARGO 0 BAJO COSO A PERSONAS QUE CALIFICAN. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717- 249 -3166 P &F File No. 13 -37370 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TD BANK USA, N.A., AS SUCCESSOR IN INTEREST TO TARGET NATIONAL BANK V. TRAVIS W SMITH Plaintiff Defendant(s) NO. 14-2009-CV COMPLAINT IN CIVIL ACTION AND NOW, comes Plaintiff, TD BANK USA, N.A., AS SUCCESSOR IN INTEREST TO TARGET NATIONAL BANK , by and through its attorney, GREGG MORRIS, ESQUIRE and the law offices of PATENAUDE & FELIX, A.P.C. and files the following Complaint in Civil Action, and in support thereof aver as follows: 1. Plaintiff, TD BANK USA, N.A., AS SUCCESSOR IN INTEREST TO TARGET NATIONAL BANK , is a national banking association registered with the Office of the Comptroller of the Currency and for the purpose of this litigation, maintaining a place of business cio PATENAUDE AND FELIX, A.P.C., 213 EAST MAIN ST., CARNEGIE, PENNSYLVANIA 15106. 2. Defendant is TRAVIS W SMITH, an adult individual, believed to currently reside at 175 WHISKEY RUN RD NEWVILLE, PA 17241-8601. 3 Defendant(s) obtained extensions of credit, purchases or cash advances on the following opened ended credit card account number XXXXXXXXXXXX2686 issued by Target National Bank. PA_05D Civil Cmplt Crdt Crd P&F File No. 13-37370 4. The Defendant(s) made payments on the account with the last payment posting on April 25, 2013, but have /has refused to pay, and now refuses to pay the balance due and owing on the aforesaid account in the sum of $5,457.11 plus interest and costs. 5. Plaintiff, TD BANK USA, N.A., purchased the debt and now owns the aforesaid account. A copy of the bill of sale and assignment is attached here as Exhibit "A" and incorporated herein by reference. 6. The Defendant(s) has /have made or authorized a number of purchases and as of 12/2/2013 12:00:00 AM, Defendant(s) owes $5,457.11 on said account plus interest. 7. Plaintiff maintains accurate books of account recording all credits and debits for this account. 8. Despite repeated demands, Defendant(s) have /has failed to make the required installment payments when due and therefore the full amount of the account is now due and payable. 9. A copy of the Account Statement is attached hereto as Plaintiff's Exhibit "B" and incorporated herein by reference. PA_05D Civil Cmplt Crdt Crd P &F File No. 13 -37370 WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant(s), in the amount of $5,457.11, plus interest as set forth herein from the date of breach, with continuing interest at the legal rate thereon from the date of Judgment plus costs. The damages requested are less than the maximum amount for compulsory arbitration as set by the Court. Date: April 10, 2014 Respectfully submitted: Paten.`] & Felix, A.P.C. n Street egie, PA 15106 (412) 429 -7675 PA_05D Civil Cmplt Crdt Crd P &F File No. 13-37370 VERIFICATION The undersigned, Gregg L. Morris, hereby states that he is the attorney for Plaintiff in this action and verifies that the statements made in the foregoing pleading are true and correct to the best of his knowledge, information and belief. By virtue of the fact that the Plaintiff's representative is outside the jurisdiction of the Court and the verification cannot be obtained within the time allowed for the filing of this pleading, the pleading is submitted by counsel having sufficient knowledge, information and belief based upon the information provided to him by the Plaintiff and based upon his own personal knowledge. Plaintiff has represented to counsel that there is a debt due and owing from Defendant to Plaintiff in the amount as set forth within the foregoing pleading. Plaintiff has provided counsel with all relevant information in order to allow counsel to sign this verification. Plaintiff agrees to provide a verification signed by Plaintiff upon request by Defendant. The statements are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unworn falsification to authorities. Date: April 10, 2014 squire lix, - .P.C. ain Street Ca gie, PA 15106 (412) 429 -7675 PA_01 Atty Verification P &F File No. 13 -37370 proceeds of the foregoing, and (y) the Pta cha ser shall extend credit directly to Cardholders. (b) Deposit Account Agreement. (i) The Depositee hereby transfers and assigns to the Purchaser all of its rights and obligations under the Deposit Account Agreement, including all deposit Liabilities currently outstanding. (ii) On the Closing Date, the Depositee hereby pays to the Purchaser an amount equal to the Deposit Liabilities held by the Depositee for the Depositor, as estimated per subsection 3.1(d)(i) of the Purchase and Sale Agreement (which payment shall be made by a deduction from the Purchase Price and is subject to final adjustment as provided in subsection 3.1(d) of the Purchase and Sale Agreement). (iii) The Depositor and Depositee agree to terminate those two certain Pledge and Security Agreements, each dated as of April 28, 2009, and the pledges therein. (iv) The Depositor and Depositee agree that notwithstanding any other provision of the Deposit Account Agreement, no interest shall accrue thereunder on or after the Closing Date, Section 3. Assumption. (a) Purchase Agreement (i) The Purchaser hereby assumes and shall pay, defend, discharge and perform as and when due the Assumed Liabilities upon the terms and conditions set forth in the Purchase and Sale Agreement. For greater certainty, the Purchaser will not be assuming or agreeing to pay, defend, discharge and perform the Excluded Liabilities. (ii) The Purchaser hereby agrees to purchase all the Acquired Assets and on and after the Closing Date, the Purchaser shall be the sole and exclusive owner of the Accounts and other Acquired Assets, and shall have all rights, powers, and privileges with respect thereto as such owner, (iii) Except as expressly provided in the Credit Card Program Agreement, the Purchaser shall be entitled to (x) receive all payments made by Cardholders: on Accounts, and (y) retain for its account all Cardholder Indebtedness related to Accounts and such other fees and income authorized by the Credit Card Agreements and collected by the Purchaser with respect to the Accounts and the Cardholder Indebtedness related to such Accounts. (b) Deposit Account Agreement. (i) The Purchaser hereby assumes all rights and obligations of the Depositee under the Deposit Account Agreement, including all deposit Liabilities thereunder to the extent outstanding as of the Closing Date, as set forth in the Purchase and Sale Agreement. (ii) On the Business Day following the Closing Date, the Purchaser hereby agrees to pay the amount of such deposit Liabilities assumed, as estimated per subsection 3.1(d) of the Purchase and Sale Agreement, to the Depositor. Section 4. Credit Card Program Agreement. The terms of the operation of the Program with respect to the Acquired Assets and Assumed Liabilities will be subject to the terms and conditions of the Credit Card Program Agreement. The Parent and/or its Affiliate(s) and the Purchaser shall have the rights set forth in the Credit Card Program Agreement in accordance with the terms thereof. Section 5. Counterparts, This Assignment and Assumption may be executed in two or more counterparts (and by different parties on separate counterparts), each of which shall be an original, but all of which together shall constitute one and the same instrument. Section 6. Effect of Headings. The Section headings herein are for convenience only and shall not affect the construction hereof. Section 7. Severability. In case any provision in this Assignment and Assumption shall be invalid, illegal or unenforceable, the validity, legality, and enforceability of the remaining provisions shall not be affected or impaired thereby. Section 8. Governing Law. THIS ASSIGNMENT AND ASSUMPTION SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK, WITHOUT REFERENCE TO ITS CONFLICT OF LAWS PROVISIONS (OTHER THAN SECTION 5-1401 OF THE GENERAL OBLIGATIONS LAW), AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. Section 9. Effective Date. This Assignment and Assumption shalt become effective as of the day and year first above written. [REMAINDER OF THE PAGE BLANK] 4 4 IN WITNESS WHEREOF, the parties hereto have caused this Assignment and Assumption to be duly executed by their respective officers as of the day and year first above written. TARGET CORPORATION, as the Parent and as the Depositor Name: Sara I Ross Title: Assistant Treasurer TARGET RECEIVABLES LLC, as a Seller By: 46t_ Name:: Sara. J. Ross Title: Vice President and Assistant Treasurer TARGET NATIONAL BANK, as a Seller and the Depositee By: Name: Spencer ohnson Title: Vice President TD BANK USA, N.A., as the Purchaser By:" Name: Title: President and CEO Michael. Collins ASSIGNMENT AND ASSUMPTION IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TD BANKUSA, N.A., as SUCCESSOR c-) t-. IN INTEREST TO TARGET NATIONAL : " BANK er; Plaintiff CIVIL ACTION -LAW u ..,-f.1 -cam cam, c �v v. NO: 14 -2009 -CV --- . PRAECIPE TO ENTER APPANCE a- TRAVIS W SMITH co Defendant • Filed on Behalf of Defendant: TRAVIS W SMITH Counsel of Record: Robert D. Klingensmith, Esquire PA I.D. # 313960 HAROLD SHEPLEY & ASSOCIATES, LLC 209 West Patriot Street Somerset, PA 15501 (814) 444-0500 (814) 444-0600 (fax) rklingensmith@shepleylaw.com IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TD BANKUSA, N.A., as SUCCESSOR : IN INTEREST TO TARGET NATIONAL : BANK Plaintiff v. CIVIL ACTION -LAW NO: 14 -2009 -CV TRAVIS W SMITH Defendant PRAECIPE TO ENTER APPEARANCE TO THE PROTHONOTARY: Kindly enter the appearance of ROBERT D. KLINGENSMITH, ESQUIRE and the law firm of HAROLD SHEPLEY & ASSOCIATES, LLC, on behalf of the Defendant, TRAVIS W SMITH, in the above captioned matter. -117,o/0-6,1 Date Robert D. Klingensmith, Esquire Attorney for the Defendant Harold Shepley and Associates, LLC 209 West Patriot Street Somerset, PA 15501 (814) 444-0500 (814) 444-0600 (fax) rklingensmith@shepleylaw.com IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TD BANKUSA, N.A., as SUCCESSOR' IN INTEREST TO TARGET NATIONAL : BANK 1 ; y t-, Plaintiff CIVIL ACTION -LAW �`, ct5 ., V. NO: 14 -2009 -CV 3 "'" ' ..= PRELIMINARY OBJECTIONS t cCl ,, TRAVIS W SMITH -< Defendant • Filed on Behalf of Defendant: TRAVIS W SMITH Counsel of Record: Robert D. Klingensmith, Esquire PA I.D. # 313960 HAROLD SHEPLEY & ASSOCIATES, LLC 209 West Patriot Street Somerset, PA 15501 (814) 444-0500 (814) 444-0600 (fax) rklingensmith@shepleylaw.com IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TD BANKUSA, N.A., as SUCCESSOR . IN INTEREST TO TARGET NATIONAL : BANK Plaintiff v. TRAVIS W SMITH Defendant CIVIL ACTION -LAW NO: 14 -2009 -CV DEFENDANT'S PRELIMINARY OBJECTIONS PURSUANT TO PA.R.C.P. 1028 AND NOW, comes the Defendant, Travis W. Smith, by and through his attorney, Robert D. Klingensmith, Esquire of Harold Shepley & Associates, LLC, and files the following Preliminary Objections to Plaintiff's Complaint: 1. Plaintiff filed a Complaint in Civil Action against Defendant demanding damages in the amount of $5.457.11. 2. Plaintiff's Complaint contains insufficient specificity in its pleading under Pa.R.C.P. 1028(a)(3). 3. Plaintiff's Complaint fails to conform to law or rule of court pursuant to Pa.R.C.P. 1028(a)(2). Obiection I Pa.R.C.P. 1028(a)(2) 1. Pa.R.C.P. 1024(c) requires that all pleadings setting forth allegations be verified by the pleading party. 2. In the instant case the verification attached to the complaint was signed by an Attorney at the law firm whose name is not ascertainable. 3. In general, an attorney verification will be insufficient unless the parties lack sufficient knowledge or information or are outside the jurisdiction of the court and the verification cannot be obtained in time allowed for filing. 4. The verification signed in this case states that the verification was signed by the Attorney acting for the party because they had permission to do so and had to in order to file the pleading in time. 5. There has been no indication in the verification that the parties lack sufficient knowledge of the matter, in fact all of the information came from the party in this case. 6. Furthermore, although Plaintiff is outside the jurisdiction of this court, there is no indication that the party to this lawsuit could not sign the verification in time to file the pleading. In fact, Defendant was never contacted to extend the time needed to file the Complaint. If such time was needed, the Defendant would have been happy to extend such time to Plaintiff. 7. Therefore, Plaintiff's Complaint fails to conform to law or rule of court under Pa.R.C.P. 1028(a)(2). WHEREFORE, Defendant respectfully requests that the Court order Plaintiff to file an Amended Complaint or dismiss this action with prejudice. Objection II 1028(a)(3) 8. Pa.R.C.P. 1019 (a) requires that the material facts on which a cause of action or defense is based shall be stated in a concise and summary form. 9. Pa. R.C.P. 1019(0 requires that averments of time, place and items of special damages shall be specifically stated. 10. Plaintiff in this matter claims that the Defendant opened and used a credit account issued by Plaintiff. 11. The copy of the Complaint in the Defendant's possession does not have a statement attached to it. 12. The Complaint has failed to plead the various transactions and purchases which resulted in the alleged debt due. 13. Pursuant to Pa.R.C.P. 1019(0 Plaintiff has failed to provide information of the time and places any items were allegedly bought on the credit card. 14. By failing to include documentation of what items were purchased, when those items were bought and the amount of each purchase, Defendant is unable to ascertain the validity of the amount owed on the account. 15. Plaintiff has also failed to provide documentation of any cash advances made by Plaintiff. 16. Plaintiff has failed to provide a concise summary of the payments made by the Defendant on the alleged account as well as the date of last payment on the account. 17. Furthermore, Plaintiff basis its claim on an alleged agreement. 18. Plaintiff has failed to specify whether the agreement is oral or written as required under Pa.R.C.P 1019(h) 19. Furthermore, if the contents of the pleading are based on a writing, which it appears Plaintiff is alleging that it does, then Plaintiff has failed to attach a copy of the original account agreement and all amendments to any such agreement, or provide a reason why the original agreement is and all amendments to said agreement are not accessible and set forth the substances of the writings (Pa.R.C.P. 1019(i). 20. The agreement attached to the Complaint is undated and therefore it is concluded to not be the original agreement governing the terms of the account. 21. This lack of a writing is not sufficient under Pa.R.C.P. 1019(i). 22. As a result, Plaintiff's Complaint contains insufficient specificity as required under Pa. R.C.P 1028(3). WHEREFORE, Defendant respectfully requests that the Court order Plaintiff to file an Amended Complaint or dismiss this action with prejudice. Respectfully submitted, Robert D. Klingensmith, Esquire PA I.D.# 313960 Harold Shepley & Associates, LLC 209 West Patriot Street Somerset, PA 15501 Attorney for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TD BANKUSA, N.A., as SUCCESSOR IN INTEREST TO TARGET NATIONAL : BANK Plaintiff CIVIL ACTION -LAW v. NO: 14 -2009 -CV TRAVIS W SMITH Defendant CERTIFICATE OF SERVICE I served this Petition to Enter Appearance, Preliminary Objections and Brief in Support of Preliminary Objections by U.S. Mail, postage prepaid, at 213 E. Main Street, Carnegie, PA 15106 on Gregg Morris, Esquire, of Patenaude and Felix, A.P.C. the Attorney for the Plaintiff, TD BANK on April 30, 2014. I declare under penalty of perjury that this information is true. Date: April 30, 2014 Server's Signature Gretchen Giles — Legal Assistant Printed Name and Title Harold Shepley & Associates, LLC 209 West Patriot St. Somerset, PA 15501 Server's Address IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TD BANKUSA, N.A., as SUCCESSOR . IN INTEREST TO TARGET NATIONAL : BANK .• Plaintiff CIVIL ACTION -LAW • v. TRAVIS W SMITH Defendant NO: 14 -2009 -CV Order of Court On this day of , 2014, upon consideration of defendant(s)' preliminary objections, it is hereby ORDERED that plaintiff(s)' complaint is stricken. Plaintiff(s) is (are) granted days leave to file an amended complaint. If the plaintiff(s) fail(s) to file an amended complaint within days of the date of this order, upon praecipe of defendant(s), the Prothonotary, shall dismiss the case with prejudice. BY THE COURT J. FLED—OFFICE HE PROTHONOLVFCs( ZiMM19 P11 1:23 CUMBERLAND COUNTY PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TD BANK USA, N.A., AS SUCCESSOR IN INTEREST TO TARGET NATIONAL BANK V. TRAVIS W SMITH Plaintiff Defendant(s) NO. 14 -2009 -CV CERTIFICATION OF SERVICE OF AMENDED COMPLAINT IN CIVIL ACTION Filed on behalf of: TD BANK USA, N.A., AS SUCCESSOR IN INTEREST TO TARGET NATIONAL BANK Counsel of Record for This Party: Gregg L. Morris, Esquire Pa I.D. #69006 Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PA J 03A Cert Service P&F File No. 13-37370 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TD BANK USA, N.A., AS SUCCESSOR IN INTEREST TO TARGET NATIONAL BANK V. TRAVIS W SMITH Plaintiff Defendant(s) NO. 14 -2009 -CV CERTIFICATION OF SERVICE I, GREGG MORRIS, attorney for Plaintiff, above named, hereby certify that a true and correct copy of AMENDED COMPLAINT IN CIVIL ACTION was served this date by ordinary mail upon the following: ROBERT D. KLINGENSMITH, ESQ. 209 WEST PATRIOT STREET SOMERSET PA 15501 Date: May 15, 2014 f're at A.P.C. 2131 ain Street Car e, PA 15106 (412 429-7675 PA_103A Cert Service P&F File No. 13-37370 I, GREGG MORRIS, attorney for Plaintiff, TD BANK USA, N.A., AS SUCCESSOR IN INTEREST TO TARGET NATIONAL BANK , hereby certify that a true and correct copy of foregoing document was served this date by ordinary mail upon the following: Robert D. Klingensmith, Esq. 209 West Patriot Street Somerset PA 15501 Date: May 15, 2014 orris, Esquire de & Felix, A.P.C. ain Street gie, PA 15106 429-7675 PA_65 Certificate of Service P&F File No 13-37370 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TD BANKUSA, N.A., as SUCCESSOR IN INTEREST TO TARGET NATIONAL : BANK Plaintiff CIVIL ACTION -LAW v. NO: 14 -2009 -CV PRELIMINARY OBJECTIONS TO TRAVIS W SMITH AMENDED COMPLAINT Defendant Filed on Behalf of Defendant: TRAVIS W SMITH Counsel of Record: Robert D. Klingensmith, Esquire PA I.D. # 313960 HAROLD SHEPLEY & ASSOCIATES, LLC 209 West Patriot Street Somerset, PA 15501 (814) 444-0500 (814) 444-0600 (fax) rklingensmith@shepleylaw.com IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TD BANKUSA, N.A., as SUCCESSOR : IN INTEREST TO TARGET NATIONAL : BANK • Plaintiff • CIVIL ACTION -LAW • v. .• NO: 14 -2009 -CV • • TRAVIS W SMITH • Defendant • DEFENDANT'S PRELIMINARY OBJECTIONS PURSUANT TO PA.R.C.P. 1028 AND NOW, comes the Defendant, TRAVIS W. SMITH, by and through his attorney, Robert D. Klingensmith, Esquire of Harold Shepley & Associates, LLC, and files the following Preliminary Objections to Plaintiff's Complaint: 1. Plaintiff filed a Complaint in Civil Action against Defendant demanding damages in the amount of $5,457.11. 2. Plaintiff's Complaint fails to conform to law or rule of court under Pa. R.C.P. 1028(a)(2). Count I Pa.R.C.P. 1028(a)(2) 3. Plaintiff alleges to have been assigned the alleged account from Target National Bank. 4. Nothing in the bill of sale/assignment illustrates that the Defendant's alleged account was in fact purchased/assigned in this case. 5. When Plaintiff is not the original creditor on the account, they must attach proof of assignment for the alleged account. 6. Plaintiff has failed to establish their standing as a proper party in this action. 7. Therefore, Plaintiff's Complaint fails to conform to law or rule of court under Pa.R.C.P. 1028(a)(2). WHEREFORE, Defendant respectfully requests that the Court order Plaintiff to file an Amended Complaint or dismiss this action with prejudice. Count II Pa.R.C.P. 1028(a)(3) 8. Plaintiff has failed to specify whether the agreement attached to the Complaint in this matter is the original agreement or not. The agreement is not dated and the client allegedly opened his account in 2006. 9. If this is indeed the original cardholder agreement, Plaintiff has failed to attach to its Complaint any and all amendments to any such agreement, or provide a reason why the original agreement and all amendments to said agreement are not accessible and set forth the substances of the writings (Pa.R.C.P. 1019(i). 10. This lack of a writing is not sufficient under Pa.R.C.P. 1019(i). 11. As a result, Plaintiff's Complaint contains insufficient specificity as required under Pa. R.C.P 1028(3). WHEREFORE, Defendant respectfully requests that the Court order Plaintiff to file an Amended Complaint or dismiss this action with prejudice. Respectfully submitted, Robert D. Klingensmith, Esquire PA I.D.# 313960 Harold Shepley & Associates, LLC 209 West Patriot Street Somerset, PA 15501 Attorney for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TD BANKUSA, N.A., as SUCCESSOR IN INTEREST TO TARGET NATIONAL : BANK Plaintiff v. TRAVIS W SMITH Defendant CIVIL ACTION -LAW NO: 14 -2009 -CV • CERTIFICATE OF SERVICE I served these Preliminary Objections and Brief in Support of Preliminary Objections by U.S. Mail, postage prepaid, at 213 E. Main Street, Carnegie, PA 15106 on Gregg Morris, Esquire, of Patenaude and Felix, A.P.C. the Attorney for the Plaintiff, Target National Bank on June 2, 2014. I declare under penalty of perjury that this information is true. Date: June 2, 2014 Server's Signature Gretchen Giles — Legal Assistant Printed Name and Title Harold Shepley & Associates, LLC 209 West Patriot St. Somerset, PA 15501 Server's Address IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TD BANKUSA, N.A., as SUCCESSOR : IN INTEREST TO TARGET NATIONAL BANK Plaintiff v. TRAVIS W SMITH Defendant On this day of CIVIL ACTION -LAW NO: 14 -2009 -CV Order of Court , 2014, upon consideration of defendant(s)' preliminary objections, it is hereby ORDERED that plaintiff(s)' complaint is stricken. Plaintiff(s) is (are) granted days leave to file an amended complaint. If the plaintiff(s) fail(s) to file an amended complaint within days of the date of this order, upon praecipe of defendant(s), the Prothonotary, shall dismiss the case with prejudice. BY THE COURT IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TD BANKUSA, N.A., as SUCCESSOR . IN INTEREST TO TARGET NATIONAL : BANK • Plaintiff •CIVIL ACTION -LAW • v. •NO: 14 -2009 -CV TRAVIS W SMITH Defendant Praecipe to Withdraw Preliminary Objections TO THE PROTHONOTARY: 72-2 Please mark the Defendant's Preliminary Objections to Plaintiff's Amended Complaint withdrawn and remove it from any argument list that it may appear on. Thank you very much. Robert D. Klingensmith, Esq. Attorney for Defendant .#.1 • • 44, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TD BANKUSA, N.A., as SUCCESSOR : IN INTEREST TO TARGET NATIONAL : BANK Plaintiff v. TRAVIS W SMITH Defendant CIVIL ACTION -LAW NO: 14 -2009 -CV Stipulation to Extend Time to Answer --1 c..2) Pursuant to Pa.R.C.P. 1003, it hereby agreed that the time for Defendant to file and serve and Answer the Amended Complaint is extended until September 30, 2014. orris the 'laint Robert D. Klingensmith Attorney for the Defendant '!p }cc 17 :iur aERL/\NO COUt PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TD BANK USA, N.A., AS SUCCESSOR IN INTEREST TO TARGET NATIONAL BANK v. TRAVIS W SMITH Plaintiff Defendant(s) NO. 14 -2009 -CV AMENDED COMPLAINT IN CIVIL ACTION Filed on behalf of: TD BANK USA, N.A., AS SUCCESSOR IN INTEREST TO TARGET NATIONAL BANK Counsel of Record for This Party: Gregg L. Morris, Esquire Pa I.D. #69006 Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PF PA_1.IA Amended Cmplt Cyr Sht P&F File No. 13-37370 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TD BANK USA, N.A., AS SUCCESSOR IN INTEREST TO TARGET NATIONAL BANK V. TRAVIS W SMITH Plaintiff Defendant(s) NOTICE TO DEFEND 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 an attorney, and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE.IF YOU DO NOT HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717-249-3166 PA 21Notice to Defend NO. 14 -2009 -CV Usted ha sido demandado en corte. Si usted desea defenderse de las demandas que se presentan mas adelante en las siguientes paginas, debe tomar accion dentro de los proximos veinte (20) dias despues de la notificacion de esta Demanda y Aviso radicando personalmente o por media de un abogado una comparecencia escrita y radicando en la Corte por escrito sus defensas de, y objecciones a, las demandas presentadas aqui en contra suya. Se le advierte de que si usted fall de tomar accion como se describe anteriormente, el caso pude proceder sin usted y un fallo por cualquier suma de dinero reclamada en la demanda o cualquier reclamacion o remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero o propiedad au otros derechos importantes para usted. LISTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO, LLAME 0 VAYA A LA SIGUENTE OFICINA. ESTA OFICINA PUEDE PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSSIBLE QUE ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIAS QUE OFREZCAN SERVICIOS LEGALES SIN CARGO 0 BAJO COSO A PERSONAS QUE CALIFICAN. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717-249-3166 P&F File No. 13-37370 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TD BANK USA, N.A., AS SUCCESSOR IN INTEREST TO TARGET NATIONAL BANK V. TRAVIS W SMITH Plaintiff Defendant(s) NO. 14 -2009 -CV AMENDED COMPLAINT IN CIVIL ACTION AND NOW, comes Plaintiff, TD BANK USA, N.A., AS SUCCESSOR IN INTEREST TO TARGET NATIONAL BANK , by and through its attorney, GREGG MORRIS, ESQUIRE and the law offices of PATENAUDE & FELIX, A.P.C. and files the following Amended Complaint, and in support thereof aver as follows: Count I Account Stated 1. Plaintiff, TD BANK USA, N.A., AS SUCCESSOR IN INTEREST TO TARGET NATIONAL BANK , is a national banking association registered with the Office of the Comptroller of the Currency and for the purpose of this litigation, maintaining a place of business do PATENAUDE AND FELIX, A.P.C., 213 EAST MAIN ST., CARNEGIE, PENNSYLVANIA 15106. PF_PA_11A Amended Cmplt Cvr Sht P&F File No. 13-37370 2. Defendant is TRAVIS W SMITH, an adult individual, believed to currently reside at 175 WHISKEY RUN RD NEWVILLE, PA 17241-8601. 3. Defendant(s) obtained extensions of credit, purchases or cash advances on the following opened ended credit card account number XXXXXXXXXXXX2686 issued by Target National Bank. A copy of the Agreement is attached hereto as Exhibit "A" and incorporated herein by reference. 4. The Defendant(s) made payments on the account with the last payment posting on April 25, 2013, but have/has refused to pay, and now refuses to pay the balance due and owing on the aforesaid account in the sum of $5,457.11 plus interest and costs. 5. Plaintiff, TD BANK USA, N.A., purchased the debt and now owns the aforesaid account. A copy of the bill of sale and assignment is attached here as Exhibit "B" and incorporated herein by reference. 6. The Defendant(s) has/have made or authorized a number of purchases and as of 12/2/2013 12:00:00 AM, Defendant(s) owes $5,457.11 on said account plus interest. 7. Plaintiff maintains accurate books of account recording all credits and debits for this account. 8. Despite repeated demands, Defendant(s) have/has failed to make the required installment payments when due and therefore the full amount of the account is now due and payable. 9. A copy of the Account Statements are attached hereto as Plaintiff's Exhibit "C" and incorporated herein by reference. PF_PA_11A Amended Cmplt Cyr Sht P&F File No. 13-37370 WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant(s), in the amount of $5,457.11, plus interest as set forth herein from the date of breach, with continuing interest at the legal rate thereon from the date of Judgment plus costs. The damages requested are less than the maximum amount for compulsory arbitration as set by the Court. . Count II Breach of Contract 10. The averments of paragraphs 1 through 9 are incorporated herein by reference as if the same were set forth herein at length. 11. Defendant opened the aforesaid account. A copy of the Account Agreement in effect at the time the account was opened or charges were made is attached hereto and collectively referred to as Plaintiff's Exhibit "A" and incorporated herein by reference. 12. Defendant is in default for failing to make payments as due. Plaintiff's Exhibit "C" is incorporated herein by reference. The documents speak for themselves. WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant, in the amount of $5,457.11 plus interest as attached hereto or set forth herein and continuing interest thereon at the legal rate from the date of Judgment plus costs. Count III Quantum Meruit 13. The averments of paragraphs 1 through 12 are incorporated herein by reference as if the same were set forth herein at length. 14. Plaintiff agreed to finance Defendant(s)' purchases or advances as more specfically set forth in billing statements for the account. 15. Plaintiff relied upon Defendant(s)' promise to pay based upon Defendant's failure to object to balance due and continued payments as more specifically set forth in the aforesaid PF_PA_1 IA Amended Cmplt Cyr Sht P&F File No. 13-37370 statements. 16. Plaintiff continued to extend credit to Defendant(s) in reliance upon receipt of payment and failure to object to the aforesaid statements. 17. Defendant(s) received goods, services or items of merchandise as more specifically described in said statements. 18. Despite demand from Plaintiff, Defendant(s) have failed or refused to pay the aforsaid balance due. WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant, in the amount of $5,457.11 plus interest as attached hereto or set forth herein and continuing interest thereon at the legal rate from the date of Judgment plus costs. Respectfully submitted: P j nau e & Felix, A.P.C. Date: May 08, 2014 PF_PA_11A Amended Cmplt Cyr Sht P&F File No. 13-37370 V ERIFICATI ON The undersigned, Adam Grim, does hereby verify subject to the penalties of IS Pa. C.S. Section 4904 relating to unsworn falsification to authorities, that he is a Custodian ot Records for Target Corporate Services Inc. the servicer and the Authorized Representative of TI) BANK USA, NA., AS SUCCESSOR IN INTEREST T© TARGET NATIONAL BANK, Plaintiff herein, and that he is duly authorized to make this Declaration, and that the facts tier forth in foregoing document are true and correct to the best of his knowledge, information and belief. Adam Grim, Authorized Representative TD BANK USA, N.A., AS SUCCESSOR IN INTEREST TO TARGET NATIONAL BANK 4323767 1 70120;6 435237(1717012686 P11_011 Tafget Verification File. N. 13-37370 • DOCUMENTATION REPRODUCTION FEE — We will not charge you for duplicate documents we reproduce for you in connection with a billing error notice or if our Investigation indicates a billing error occurred. Otherwise, you will pay $2.00 for each duplicate Account document we reproduce for you at your request. • DOCUMENT RESEARCH FEE — If you request that we obtain an external document, such as a receipt, on your behalf from a merchant other than Target, we may pass along to you any fee that we are charged to obtain the information. We will not pass along the fee if the external document is already in our possession, if your request relates to a billing error notice, or if our investigation indicates a billing error occurred. If we pass along the fee, the amount of the fee will be disclosed to you before we process your request. • EXPEDITED DELIVERY FEE — At your request, we will expedite the delivery of an additional or replacement Card for your Account. You will reimburse us for delivery and other charges imposed on us by third parties for this expedited service. 9. EXCHANGE RATE FOR CURRENCY CONVERSION. If you incur a transaction in a foreign currency, the transaction will be converted by Visa into a U.S. Dollar amount. Visa will use the procedures set forth in its Operating Regulations in effect at the time the transaction is processed. The exchange rate is either (1) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or (2) the government -mandated rate in effect for the applicable central processing date. 10. ACCORD AND SATISFACTION. We may accept letters, checks or other types of payments showing "payment in full" or using other language to indicate satisfaction of your debt ("Disputed Amounts') without waiving any of our rights to receive full payment under the terms of this Agreement. You agree to send any Disputed Amounts to the address for billing inquiries shown on your billing statement. 11. CREDIT INVESTIGATION AND REPORTING. We may check information about you or your credit history with credit bureaus or others. We may also report information about you, your Account, and our experiences with you to credit bureaus or to others as allowed by law. If you do not fulfill the terms of this Agreement, we may submit a negative report reflecting on your credit record to one or more credit bureaus. If you believe we have reported inaccurate information about your Account to a credit bureau, you should notify us by sending your Account number and a description of the information you believe to be inaccurate to the address for disputes regarding information we reported to credit bureaus shown on your billing statement. 12. DEFAULT/TERMINATION OF CREDIT PRIVILEGES. Subject to applicable law, you will be in default under this Agreement if you violate any term of this Agreement, fail to make the Minimum Payment Due by the Payment Due Date, or become the subject of bankruptcy or insolvency proceedings. Upon default or death, subject to applicable law, we may, in our sole discretion: (a) reduce your Credit Limit; (b) terminate the Account, at which time the terms of this Agreement will continue until we have been paid in full; (c) require immediate payment for each Balance Type and all related fees and charges described in this Agreement; (d) bring a legal action against you to collect money owed to us; (e) terminate any special promotional credit terms; or (I) take any other action permitted by applicable law. If we refer your Account to an attorney for collection, you must pay to us all costs and expenses of collection, including attorneys' fees, to the extent not prohibited by law. Even if you are not in default, we reserve the right to terminate your privileges to obtain credit on the Account at any time. Upon any termination of this Agreement by you or us, you will continue to be obligated to pay all amounts owing under this Agreement, and to otherwise perform the terms and conditions of this Agreement. 13. COMMUNICATIONS WITH YOU. We or our agents may call by telephone regarding your Account. You agree that we may place such calls using an automatic dialing/announcing device. You agree that we may, for training purposes or to evaluate the quality of our service, listen to and record phone conversations you have with us. 14. WHAT LAW APPLIES. This Agreement will be governed by federal law and to the extent state law applies, by the law of South Dakota. If there is any conflict between any of the terms and conditions of this Agreement and applicable federal or state law, this Agreement will be considered changed to the extent necessary to comply with the law. 15. CHANGE OF PERSONAL INFORMATION. You agree to tell us right away of any change in your name, address or telephone numbers. 16. ASSIGNMENT OF ACCOUNT. We may sell, assign or transfer your Account or any receivables created under your Account without notice to you. You may not sell, assign or transfer your Account without first obtaining our written consent. 17. NO WAIVER. We may waive or delay enforcing any of our rights under this Agreement without losing them. 18. CHANGES TO THIS AGREEMENT. We have the right to change this Agreement (including the right to add additional terms) and to apply those changes to any existing balance on the Account. We will provide you with notice of any such changes as required by applicable law. NOTICE TO NEW YORK RESIDENTS. A consumer credit report may be ordered in connection with this application, or subsequently with the update, renewal or extension of credit. Upon your request, you will be informed of whether or not a consumer credit report was ordered, and if it was, you will be given the name and address of the consumer reporting agency that furnished the report. NOTICE TO RHODE ISLAND AND VERMONT RESIDENTS. A consumer credit report may be ordered in connection with this application, or subsequently for purposes of review or collection of the Account, increasing the credit line on the Account, or other legitimate purposes associated with the Account. NOTICE TO OHIO RESIDENTS. The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. NOTICE TO WISCONSIN RESIDENTS. If you do not pay on time, we can declare the entire New Balance due and payable after we have given you proper written notice and you have failed to cure the default within fifteen (15) days after the notice; however, a right to cure does not exist if two defaults have been cured within the preceding twelve (12) months. We will not be affected adversely by provisions of any marital property agreement, unilateral statement or court decree under Sections 766.59 and 766.70 of Wisconsin law, unless we receive a copy of the document or have knowledge of its terms before the Account is opened. rn w TV-FT225 14/05) OPTIONAL SAFETYNET• BALANCE PROTECTION PROGRAM TERMS AND CONDITIONS If you are enrolled In the optional SafetyNet Balance Protectioi Program, the SafetyNet Balance Protection Program Terms and Conditions are also a part of your Target Visa Card Credit Card Agreement. Call 1-888-556-0012 to request an additional copy of the SafetyNet Terms and Conditions. YOUR BILLING RIGHTS (KEEP THIS NOTICE FOR FUTURE USE) This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us in Case of Errors or Questions About Your Bill. If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the address shown on the back of your statement under the summary of your billing rights. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • Your name and Account number. • The dollar amount of the suspected error. • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. Your Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct. Special Rule for Credit Card Purchases. If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right: (a) You must have made the purchase in your home slate or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. Credit Card Agreement - Target® Visa® Card This Agreement explains the terms that you agree to follow for your Target Visa Account ("Account"). The card carrier we send with your credit card is a part of this Agreement. In this Agreement "we", "us", and "our" mean Target National Bank. "You" and "your" mean everyone who is liable for payment on this Account. "Card" refers to your Target Visa credit card. 1. USE OF YOUR ACCOUNT. When you apply for an Account, you promise to be bound by the terms of this Agreement. You promise to pay us for all credit extended under this Agreement and all other amounts owed to us by you according to the terms of this Agreement. If the Account is a joint Account, each of you is bound by this Agreement and each of you jointly and individually promises to pay us, and may be held liable for, all amounts owed to us on your Account. You also promise to pay us for charges incurred by anyone you allow to use your Account. If you give your Card to someone and authorize their use of the Card, you must regain possession to terminate their authorized use. You agree that you will not use or allow use of your Card or Account for any illegal transaction or purpose. You may use your Card to make purchases of goods or services wherever Visa credit cards are accepted ("Purchase(s)"). You may also use your Card to obtain cash advances from participating automated teller machines, financial institutions, or other locations ("Cash Advance(s)"). Your use of Target Visa convenience checks furnished by us, balance transfers, and your purchase of cash equivalents, such as casino chips or similar items, wagers, wire transfers, money orders, foreign currency, traveler's checks, vouchers redeemable for cash or other items readily convertible into cash are treated as Cash Advances under this Agreement. 2. CREDIT LIMIT. You agree that we may establish a credit limit for your Account, a portion of which will be available for Cash Advances (each, a "Credit Limit"). You agree that we may change a Credit Limit at any time for any reason not prohibited by law, including, but not limited to, changes in your credit capacity, your pattern of payments to us, or your purchasing behavior. We may, but are not required to, approve transactions that exceed your Credit Limit without liability to you and without obligating us to do so in the future. You agree to prevent your Account balance or Cash Advance balance from exceeding the applicable Credit Limit. 3. SPECIAL PROMOTIONS. Occasionally, we may provide you the opportunity to use your Account in connection with special promotions, including balance transfers by use of Target Visa convenience checks or otherwise. These promotions may be subject to terms and conditions in addition to or different from those provided in this Agreement, which will be described in our offer. Unless otherwise stated, however, all terms of this Agreement shall apply to any promotion. 4. PAYMENTS. Your billing statement will show the amount you owe us, which is the New Balance, and the smallest amount you have agreed to pay us for that billing period, which is the Minimum Payment Due. If any portion of the New Balance is delinquent, the statement will show the Amount Past Due. The statement will also tell you the Payment Due Date. The Minimum Payment Due each month will equal the greater of a) $10.00; orb) the sum of the following: 1% of your New Balance (rounded to the next higher whole dollar amount), any Periodic Finance Charges, any Returned Payment Fees, and any Late Payment Fees. We may round your Minimum Payment Due to the next higher whole dollar amount. If there is an Amount Past Due, we will also add that amount to your Minimum Payment Due. If your New Balance is less than $10.00, the Minimum Payment Due will be the entire New Balance. You agree to pay us in United States Dollars for all amounts for which you are liable. If you pay by check, your check must be drawn on a depository institution located in the United States. If you do not pay the New Balance in full, you agree to pay by your Payment Due Date at least the Minimum Payment Due. All payments and other credits will be applied in any manner we choose. We may apply payments and other credits to balances on your Account with a lower Annual Percentage Rate before balances with a higher Annual Percentage Rate. You may, at any time, pay the total amount owing on your Account. 5. UNAUTHORIZED USE. If your Card or convenience checks are lost or stolen, or you think that someone is using your Account without your permission, you agree to notify us immediately. You can notify us by calling 1-888-755-5856, or by writing Target National Bank, do Target Credit Services, P.O. Box 702, MS 1C -F, Minneapolis, MN 55440-0702. If you notify us by telephone, you agree to confirm your notification in writing. You are not liable for unauthorized use of the Account that occurs after you notify us of the loss, theft or possible unauthorized use. Your liability for any unauthorized use will not exceed $50. You agree to assist us in determining the facts relating to any theft or possible unauthorized use of your Account and to comply with the procedures we may require for our investigation. All Cards and convenience checks are issued by us to you and you must return or destroy your Card and/or convenience checks if we request you to do so. 6. CREDIT AUTHORIZATIONS. Some transactions will require our prior authorization and you may be asked to provide identification. If our authorization system is not working, we may not be able to authorize a transaction. We will not be liable to you if any of these events happen or for any failure to authorize a transaction. We are also not responsible for the refusal of anyone to accept your Card or a Target Visa convenience check. 7. FINANCE CHARGES. • FINANCE CHARGE FOR BILLING PERIOD - The total Finance Charge on your Account for a billing period is the sum of any Periodic Finance Charges and any Transaction Finance Charges. However, there is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed. • COMPUTATION OF PERIODIC FINANCE CHARGES - We maintain separate balances for your Purchases, Cash Advances and special promotional balances (each, a "Balance Type") and calculate a Daily Balance for each. We will figure a daily Periodic Finance Charge for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic Rate. However, no Periodic Finance Charges will be imposed on Purchases for any day in a billing period if there is no Previous Balance on your Account or the sum of payments on your Account made by the Payment Due Date equals or exceeds the New Balance shown on your billing statement. At the end of the billing period, we will add up the daily Periodic Finance Charges on all Balance Types for each day in the billing period to get the total Periodic Finance Charge for the billing period. You can verify your Periodic Finance Charge for each Balance Type by multiplying the Average Daily Balance shown on the billing statement times the applicable Daily Periodic Rate, times the number of days in the billing period. • COMPUTATION OF DAILY BALANCES - To determine the Daily Balance for a Balance Type, we take the beginning balance for the Balance Type, add any new charges included in that Balance Type, and subtract any payments and credits applied to that Balance Type. We then multiply the resulting balance by the applicable Daily Periodic Rate and that daily Periodic Finance Charge is included in the beginning balance of that Balance Type for the next day. Purchases and Cash Advances are included in the Daily Balance as of the later of the transaction date or the first day of the billing period in which the Purchase or Cash Advance is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and International Service Assessment Fees and Other Charges are included in the Daily Balance of Purchases, when posted to the Account. • WHEN PERIODIC FINANCE CHARGES BEGIN TO ACCRUE FOR PURCHASES - New Purchases included in the Daily Balance in a billing period in which Periodic Finance Charges are not imposed on Purchases will begin to accrue Periodic Finance Charges as of the first day of the next billing period if Periodic Finance Charges are imposed on Purchases in that billing period. New Purchases included in the Daily Balance in a billing period in which Periodic Finance Charges are imposed on Purchases will begin to accrue Periodic Finance Charges as of the date the Purchase is included in the Daily Balance. A new Purchase is a Purchase that appears on a billing statement for the first time. • WHEN FINANCE CHARGES BEGIN TO ACCRUE FOR CASH ADVANCES - Periodic Finance Charges begin to accrue on Cash Advances as of the date the Cash Advance is included in the Daily Balance. There is no time period within which you can repay a Cash Advance without owing Periodic Finance Chargts. • DAILY PERIODIC RATES - DAILY PERIODIC RATE FOR PURCHASES -The Daily Periodic Rate for Purchases is .05178% (corresponding ANNUAL PERCENTAGE RATE 18.9%). - DAILY PERIODIC RATE FOR CASH ADVANCES -The Daily Periodic Rate for Cash Advances is .06000% (corresponding ANNUAL PERCENTAGE RATE 21.9%). - DAILY PERIODIC RATE FOR DELINQUENT ACCOUNTS - If two times in any twelve month period we do not receive at least the Minimum Payment Due by the Payment Due Date, or if at any time all or a portion of two Minimum Payments Due are late, a higher Daily Periodic Rate and corresponding Annual Percentage Rate will apply to your Balance Types and all new transactions beginning with the first day of the next billing period. The Daily Periodic Rate for all Balance Types will be .06821% (corresponding ANNUAL PERCENTAGE RATE 24.9%). After you have made your required Minimum Payment Due (if any) by the Payment Due Date in six consecutive billing periods, beginning with the first day of the next billing period we will reduce your Daily Periodic Rate for Purchases to .05178% (corresponding ANNUAL PERCENTAGE RATE 18.9%) and we will reduce your Daily Periodic Rate for Cash Advances to .06000% (corresponding ANNUAL PERCENTAGE RATE 21.9%). • TRANSACTION FINANCE CHARGES - The following Transaction FINANCE CHARGES will be assessed on your Account: - OTHER CASH ADVANCES - 3% of the amount of each new transaction (including the use of Target Visa convenience checks), with a minimum of $5.00 and no maximum. - INTERNATIONAL SERVICE ASSESSMENT FEE - 1% of the amount of each transaction made outside of the United States (excluding Puerto Rico and the U.S. Virgin Islands). This is the amount that Visa charges us for the transaction. The imposition of Transaction Finance Charges may result in an actual Annual Percentage Rate on your billing statement that is higher than the Annual Percentage Rate described above that corresponds with the Daily Periodic Rate used to determine Periodic Finance Charges. 8. OTHER CHARGES. The following fees ("Other Charges") may be assessed on your Account. • LATE PAYMENT FEE - You will pay a Late Payment Fee each time any amount due remains unpaid after your Payment Due Date. The amount of the Late Payment Fee will be based on your Account balance on the date the fee is assessed: - $15.00 if your Account balance is $150.00 or less; - $29.00 if your Account balance is greater than $150.00 and less than $1000.00; - $35.00 if your Account balance is $1000.00 or more. Regardless of your Account balance, the Late Payment Fee will be $35.00 if your Account is subject to the penalty rate as described in section 7 of the Agreement in the paragraph called "DAILY PERIODIC RATE FOR DELINQUENT ACCOUNTS." • PHONE PAYMENT FEE - Each time you request over the phone that we transfer or draw funds from your deposit account to pay your Target Visa Account we may charge a reasonable fee for such service. The amount of the fee will be disclosed to you before you authorize the Phone Pay transaction. • RETURNED PAYMENT FEE - You will pay $29.00 each time any check or other payment order (including an electronic payment) is not honored by your depository institution. • RETURNED CONVENIENCE CHECK FEE - You will pay $29.00 each time we decline to honor a Target Visa convenience check. • CONVENIENCE CHECK STOP PAYMENT FEE - You will pay $29.00 each time we, at your request, stop payment on a Target Visa convenience check. AFFIDAVIT TRAVIS W SMITH State of Minnesota ) SS. County of Hennepin I, Carrie J Potter, being first duly sworn, depose and say: 1. My name is Carrie J Potter. I serve as a custodian of records for Target Corporate Services, Inc. ("TCSI") and am duly authorized by Plaintiff TD Bank USA, N.A. ("TI) Bank USA") to make the following representations. 2. TRAVIS W SMITH's credit-card account was originated by Target National Bank. Plaintiff TD Bank USA has acquired all rights to the credit-card account and all obligations owing on the account. A true and correct copy of the Assignment and Assumption Agreement by and between Target National Bank, Target Receivables LLC, and TD Bank USA, N.A., dated as of March 13, 2013, is attached to this affidavit as Exhibit A. Plaintiff TD Bank USA has not sold, assigned, or otherwise transferred the account, and is the only entity with a right to collect the balance due on the account. TCSI serviced and maintained the business records including the account information for Target National Bank and continues to service and maintain the business records, including the account information on behalf of Plaintiff TD Bank USA. 3. I make this affidavit in support of Plaintiff TD Bank USA's claim in this matter. I am an adult (having reached the age of majority) and competent to testify to the matters in this affidavit, which I make upon personal knowledge. 4. I am familiar with the manner and method by which TCSI maintains business records for the credit- card accounts. My responsibilities include researching business records, including electronically stored information relating to credit-card accounts, in connection with collections and collection -related litigation. My testimony in this affidavit is based on that research, which may include a computerized analysis or comparison of electronically stored information by means of a system with which I am familiar. 5. I have reviewed the records relating to TRAVIS W SMITH's account and, based on that review the business records reflect that— (a) hat (a) TRAVIS W SMITH is an adult (having reached the age of majority) and neither Plaintiff TD Bank USA nor TCSI has been notified that TRAVIS W SMITH is not competent to enter into a binding contract. (b) On 04/04/2006, TRAVIS W SMITH opened a credit-card account with Target National Bank, predecessor -in -interest to Plaintiff TD Bank USA and has an account number 1000567194422686; (c) TRAVIS W SMITH charged purchases and/or cash advances to that accoun (d) A ayment on TRAV§ W SM TH's credit-card account was last received in the amount of $ .00 on 011= 5/)Qi 2i; (e) TRAVIS W SMITH has breached its contract and the credit-card account is in default. On 11/28/2013 the credit-card account was charged -off. On the date the credit-card account was charged -off, the account balance was $5,457.11; and (f) As of the date of this affidavit, TRAVIS W SMITH is indebted to Plaintiff TD Bank USA owing a balance of $5,457.11 in connection with the credit-card account, which balance is overdue and unpaid. This balance does not consist of any late fees applied after the date the account was charged -off and Plaintiff TD Bank USA is not seeking any attorney's fees. PIaintiff TD Bank USA is the successor -in -interest to the originator and is the current owner of the credit- card account and has not re -assigned, extinguished, or released the debt. There has been no accord and satisfaction, and there are no credits for unapplied payments or any set -offs which would reduce the balance owed by TRAVIS W SMITH. This claim is not based, directly or indirectly, upon the sale of a chattel which has been repossessed peaceably or by legal process. I solemnly affirm, under penalty of perjury under applicable law and upon my personal knowledge based on my review of the business records of TCSI as servicer for Plaintiff TD Bank USA, that the contents of the foregoing affidavit are true. I Carrie J Potte Custodian of Records Target Corporate Services, Inc. Date c2/0z-V/V The foregoing was sworn to before me and subscribed in my presence this 20 1 SALLY ALLEN NOTARY PUBLIC STATE OF MINNESOTA MY COMM:VON EXPIR!S 0,131/17 Seal My commission expires on day of Notary Public EXECUTION COPY ASSIGNMENT AND ASSUMPTION AGREEMENT This Assignment and Assumption Agreement, dated as of March 13, 2013 (the "Assignment and Assumption") is entered into by (i) Target National Bank, a national banking association; Target Receivables LLC, a Minnesota limited liability company ("TRLLC" and together with Target National Bank, the "Sellers," and each a "Seller"), as the Sellers, and TD Bank USA, N.A., a national banking association (the "Purchaser"), as the Purchaser, pursuant to subsection 3.1(b) of the Purchase and Sale Agreement, dated as of October 22, 2012, as amended by the First Amendment thereto, dated as of March 13, 2013 (as amended, the "Purchase and Sale Agreement"), by and among the Sellers, Target Corporation, a Minnesota corporation (the "Parent") and the Purchaser, and (ii) Target National Bank, as the depositee (in such capacity, the "Deposited') and the Parent, as the depositor (in such capacity, the `Depositor") as parties to the Deposit Account Agreement #1 and Deposit Account Agreement #2, each dated as of April 28, 2009 (collectively, the "Deposit Account Agreement"), pursuant to subsection 3.1(d) of the Purchase and Sale Agreement. Section 1. Definitionl. Capitalized terms used but not defined in this Assignment and Assumption have the same meaning as set forth in the Purchase and Sale Agreement, or if such term is not defined therein, the Credit Card Program Agreement (the "Credit Card Program Agreement"), dated as of October 22, 2012, by and among the Parent, Target Enterprise, Inc., a Minnesota corporation and the Purchaser. Section 2. Assignment. (a) Purchase Agreement. (i) The Sellers hereby sell, convey and assign to the Purchaser, free and clear of all Liens, the Acquired Assets, including, without limitation, each Private Label Account and Co -Branded Account owned by Target National Bank as of the Cut -Off Time and existing as of the Closing Date, including Closed Accounts and Written -Off Accounts as of the Closing Date (the "Accounts"). (a) All purchases and cash advances in connection with the Accounts and the Cardholder Indebtedness related to such Accounts outstanding as of the Closing Date or thereafter effected shall create the relationship of debtor and creditor between the Cardholder and the Purchaser, respectively. (iii) The Sellers acknowledge and agree that, following the Closing Date, (x) they shall have no right, title or interest in or to, any of the Accounts or the Account Documentation related to such Accounts or any proceeds of the foregoing, and (y) the Purchaser shall extend credit directly to Cardholders. (b) Deposit Account Agreement. (i) The Depositee hereby transfers and assigns to the Purchaser all of its rights and obligations under the Deposit Account Agreement, including all deposit Liabilities currently outstanding. (ii) On the Closing Date, the Depositee hereby pays to the Purchaser an amount equal to the Deposit Liabilities held by the Depositee for the Depositor, as estimated per subsection 3.1(d)(i) of the Purchase and Sale Agreement (which payment shall be made by a deduction from the Purchase Price and is subject to final adjustment as provided in subsection 3.1(d) of the Purchase and Sale Agreement). (iii) The Depositor and Depositee agree to terminate those two certain Pledge and Security Agreements, each dated as of April 28, 2009, and the pledges therein. (iv) The Depositor and Depositee agree that notwithstanding any other provision of the Deposit Account Agreement, no interest shall accrue thereunder on or after the Closing Date. Section 3. Assumption. (a) Purchase Agreement. (i) The Purchaser hereby assumes and shall pay, defend, discharge and perform as and when due the Assumed Liabilities upon the terms and conditions set forth in the Purchase and Sale Agreement. For greater certainty, the Purchaser will not be assuming or agreeing to pay, defend, discharge and perform the Excluded Liabilities. (ii) The Purchaser hereby agrees to purchase all the Acquired Assets and on and after the Closing Date, the Purchaser shall be the sole and exclusive owner of the Accounts and other Acquired Assets, and shall have all rights, powers, and privileges with respect thereto as such owner. (iii) Except as expressly provided in the Credit Card Program Agreement, the Purchaser shall be entitled to (x) receive all payments made by Cardholders on Accounts, and (y) retain for its account all Cardholder Indebtedness related to Accounts and such other fees and income authorized by the Credit Card Agreements and collected by the Purchaser with respect to the Accounts and the Cardholder Indebtedness related to such Accounts. (b) Deposit Account Agreement. (i) The Purchaser hereby assumes all rights and obligations of the Depositee under the Deposit Account Agreement, including all deposit Liabilities thereunder to the extent outstanding as of the Closing Date, as set forth in the Purchase and Sale Agreement. (ii) On the Business Day following the Closing Date, the Purchaser hereby agrees to pay the amount of such deposit Liabilities assumed, as estimated per subsection 3.1(d) of the Purchase and Sale Agreement, to the Depositor. Section 4. Credit Card Program Agreement. The terms of the operation of the Program with respect to the Acquired Assets and Assumed Liabilities will be subject to the terms and conditions of the Credit Card Program Agreement. The Parent and/or its Affiliate(s) and the Purchaser shall have the rights set forth in the Credit Card Program Agreement in accordance with the terms thereof. Section 5. Counterparts. This Assignment and Assumption may be executed in two or more counterparts (and by different parties on separate counterparts), each of which shall be an original, but all of which together shall constitute one and the same instrument. Section 6. Effect of Headings. The Section headings herein are for convenience only and shall not affect the construction hereof. Section 7. Severability. In case any provision in this Assignment and Assumption shall be invalid, illegal or unenforceable, the validity, Iegality, and enforceability of the remaining provisions shall not be affected or impaired thereby. Section 8. Governing THIS ASSIGNMENT AND ASSUMPTION SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK, WITHOUT REFERENCE TO ITS CONFLICT OF LAWS PROVISIONS (OTHER THAN SECTION 5-1401 OF THE GENERAL OBLIGATIONS LAW), AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. 3 Section 9. Effective Date. This Assignment and Assumption shall become effective as of the day and year first above written. [REMAINDER OF THE PAGE BLANK] 4 IN WITNESS WHEREOF, the parties hereto have caused this Assignment and Assumption to be duly executed by their respective officers as of the day and year first above written. TARGET CORPORATION, as the Parent and as the Depositor Name: Sara J. Ross Title: Assistant Treasurer TARGET RECEIVABLES LLC, as a Seller By:J- Name: Sara J. Ross Title: Vice President and Assistant Treasurer TARGET NATIONAL BANK, as a Seller and the Depositee By: Name: Spencer ohnson Title: Vice President TD BANK USA, N.A., as the Purchaser By: � vAta..3 5 I: Name: Michael Collins Title: President and CEO ASSIGNMENT AND ASSUMPTION TARGET Account Number: TRAVIS W SMITH 7 - 11 11 11 11 11 11 Statement Closing Date: April 28, 2007 Page 1 of 2 Target Visa Account Summary Total Credit Limit Cash Limit Available Credit Portion Available for Cash $5,000 $750 $3,594 $750 The Cash Limit is a portion of the Total Credit Limit Questions? Call Us: Target Credit Services TDD/TDY Outside the U.S, 1-888-755-5856 1-800-347-5842 11-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Previous Balance Payments & Credits Purchases & Advances Other Charges FINANCE CHARGES New Balance $1,189.5C -38.17 233.39 0.00 20.53 11,405.25 Minimum Payment Due $35.53 Payment Due Date May 23, 2007 Your Target Rewards Status IMF 1 1 1 1 1 1 Previous Balance Points Earned This Month 122 +231 New Target Rewards Balance 353 Target Rewards: points = big savings! You'll be amazed at how Rewards points add up. Eam 1,000 points on your REDcard and enjoy a 10% off shopping day at Target. Subtect to Target Rewards program rutes, Take Charge of Education REDcard has it rewards. Enroll in Take Charge of Education & help Target support your favorite eligible K-12 school. Visit Target.com/tcoe or call 1.800.316.6142. Enroll in Target Pharmacy Rewards and save. Earn a 10% offcertificate at Target by filling 10 prescriptions using your REOcard. Visit Target.com/redcard to enroll today. Subject to Target Pharmacy Rewards program rules. Payments & Credits Apr. 18 TARGET CREDIT CARLISLE, PA 43.17 TARGET, NEW PHONE. HOME OR E-MAIL ADDRESS, PLEASE UPDATE ON REVERSE SIDE. OFFICE COPY Target National Bank, an affiliate of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK in MN NII 111 TARGET NATIONAL BANK P.O. BOX 59317 MINNEAPOLIS, MN 55459-0317 TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE. PA 17241-8601 Account Number New Balance Minimum Payment Due Payment Due Date im11111111111111111 Amount Enclosed $1,405.25 $35.53 May 23, 2007 TARGET. Account Number: 111111111111111111. TRAVIS W SMITH Payments & Credits continued.. . Apr. 22 E -PAYMENT, TARGET.COM Purchases Apr. 9 TARGET Apr, 18 TARGET Apr. 18 TARGET Finance Charges Days in Billing Period: 31 Balance Type Purchases Cash u id u m Statement Closing Date: April 28, 2007 Page 2 of 2 Total Payments & Credits CARLISLE, PA CARLISLE, PA CARLISLE, PA Sub -total Purchases Total Purchases & Advances -35.0( -$38.11 $21.91: 188.7E 22.6E $233.35 $233,35 Corresponding Average Periodic Transaction Daily Annual Daily FINANCE FINANCE Periodic Rate Percentage Rate Balance CHARGE CHARGE 0.05178% 18.90% $1,279.20 $20.53 $0.00 0.06000% 21.90% $0.00 $0.00 $0.00 Total FINANCE CHARGES: $20.63 Actual ANNUAL. PERCENTAGE RATE: 18.90% There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed. • TARGET. Account Number: TRAVIS W SMITH Target Visa Account Summary Total Credit Limit Cash Limit Available Credit Portion Available for Cash $5,000 $2,500 $3,515 $2,500 The Cash Limit is a portion of the Total Credit Limit Questions? CaII Us: Target Credit Services TDD/TDY Outside the U.S. 1-888-755-5856 1-800-347-5842 11-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Your Target Rewards Status Previous Balance Points Earned This Month 353 +46 New Target Rewards Balance 399 Target Rewards: points = big savings! You'll be amazed at how Rewards points add up. Earn 1,000 points on your REDcard and enjoy a 10% off shopping day at Target. Subject to Target Rewards program rules. Payments & Credits May 18 PAYMENT. THANKS! TARGET NEW PHONE. HOME OR E-MAIL ADDRESS, PLEASE UPDATE ON REVERSE SIDE, OFFICE COPY 11 n ''Q0000. 11 111 Statement Closing Date: May 28, 2007 Page 1 of 2 Previous Balance Payments & Credits Purchases & Advances Other Charges FINANCE CHARGES New Balance $1,405.2t -35.5z 91.7E 0.0C 22.73 $1,484.2C Minimum Payment Due $37.73 Payment Due Date Take Charge of Education REDcard has it rewards. Enroll in Take Charge of Education & help Target support your favorite eligible K-12 school. Visit Target.com/tcoe or call 1.800.316.6142. Target Nations! Sank. an affiliate of Target Stores June 22, 2007 Enroll in Target Pharmacy Rewards and save. Earn a 10% off certificate at Target by filling 10 prescriptions using your REDcard. Visit Target.com/redcard to enroll today. Subject to Target Pharmacy Rewards program rules, Total Payments & Credits NOTICE'. SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK 111 11 1191 011 I0 111 III110I 111111 1 -$35.53 -$35.53 Account Number 11111111111® New Balance $1,484.20 $37.73 Payment Due Date June 22, 2007 Minimum Payment Due LLIIIL111111LII1IIJ1111 IIIIIII II IIIIIIIII I TARGET NATIONAL BANK P.O. BOX 59317 MINNEAPOLIS, MN 55459-0317 II1I1I11IIIIIII111III11IIIIIIIIIII111IIIIIIIII11IIII1IIIIII111 TRAVIS W SMITH 175 WHISKEY RUN RD NIr=1AA/11 11 DA 17"1A1 start,' Amount Enclosed TARGET, Account Number:® TRAVIS W SMITH Purchases May 7 May 22 SHERVVIN WILLIAMS #5949 SAYLOR'S MARKET Finance Charges Days in Billing Period: 30 Balance Type Purchases Cash Corresponding Daily Annual Periodic Rate Percentage Rate 0.05271% 19.24% 0.06915% 25.24% n 11 a 11 N� .00000* Statement Closing Date: May 28, 2007 Page 2 of 2 CARLISLE, PA NEWVILLE, PA Sub -total Purchases Total Purchases & Advances $25.75 66.00 $91.75 $91.75 Average Periodic Transaction Daily FINANCE FINANCE Balance CHARGE CHARGE $1,437.39 S22.73 50.00 $0.00 S0.00 50.00 Total FINANCE CHARGES: 522.73 Actual ANNUAL PERCENTAGE RATE: 19.24% Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary. There is a minimum FINANCE CHARGE of 51.00 for any billing period in which a Finance Charge is imposed. TARGET Account Number: TRAVIS W SMITH 111111111116111111111 Target Visa Account Summary Total Credit Limit Cash Limit Available Credit Portion Available for Cash $5,000 $2500 $3,368 $2,500 The Cash Limit is a portion of the Total Credit Limit Questions? CaII Us: Target Credit Services TDD/TDY Outside the U.S. 1-888-755-5856 1-800-347-5842 1 1-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Your Target Rewards Status Previous Balance Points Earned This Month 399 +163 New Target Rewards Balance 562 Shop RED. Shop often. The more you use your REDcard, the more points you get. You are over halfway to earning 1,000 points for a 10% off shopping day at Target. Keep it up! Subject to Target RewSKIS program rules. Payments & Credits Jun. 15 PAYMENT. THANKS! TARGET NEW PHONE. HOME OR E-MAIL ADDRESS? PLEASE UPDATE ON REVERSE SIDE. OFFICE COPY u u 11 09000 Statement Closing Date: June 28, 2007 Page 1 of 2 Previous Balance Payments & Credits Purchases & Advances Other Charges FINANCE CHARGES New Balance $1,484.20 -40.00 162.28 0.00 25.38 51,631.86 Minimum Payment Due $42.38 Payment Due Date Take Charge of Education REDcard has it rewards. Enroll in Take Charge of Education & help Target support your favorite eligible K-12 school. Visit Target.com/tcoe or call 1.800.316.6142. Target National Bank, an atMlate of Target Stores July 23, 2007 Enroll in Target Pharmacy Rewards and save. Earn a 10% off certificate at Target by filling 10 prescriptions using your REDcard. Visit Target.com/redcard to enroll today. Subject to Target Pharmacy Rewards program rules. Total Payments & Credits NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE TH IS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL. BANK IDI 111 11 11 ala ill Account Number New Balance Minimum Payment Due Payment Due Date 440.00 -$40.00 II I,IIII,IIuIIuIIIuIIIulII II IIIuu,III,IIIuIIII I TARGET NATIONAL BANK P.O. BOX 59317 MINNEAPOLIS, MN 55459-0317 IIIII IIIIIIIIIIIIII„II,IIIIIIII,II III IuIIII l„IuI IIIIII„IIII TRAVIS W SMITH 175 WHISKEY RUN RD NFWV1I I F PA 17741-1601 Amount Enclosed ,631.86 $42.38 July 23, 2007 TARGE1 Account Number: TRAVIS W SMITH Purchases Jun. 13 TARGET 00020990 Jun. 15 TARGET 00020990 Finance Charges Days in Billing Period: 31 Balance Type Purchases Cash iu 11 '00000' 11 N Statement Closing Date: June 28, 2007 Page 2 of 2 CARLISLE, PA CARLISLE, PA Sub -total Purchases Total Purchases & Advances $23.45 138.83 $162.28 $162.28 Corresponding Average Periodic Transaction Daily Annual Daily FINANCE FINANCE Periodic Rate Percentage Rate Balance CHARGE CHARGE 0.05271% 19.24% $1,552.93 $25.38 $0.00 0.06915% 25.24% $0,00 $0.00 $0.00 Total FINANCE CHARGES: $26.38 Actual ANNUAL PERCENTAGE RATE: 19.24% Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary. There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed. Special Announcements and Exclusive Offers Win a Disney Parks Dream Vacation Use your Target Visa credit card for an eligible purchase between June 1 and July 31 and be automatically entered for a chance to win a Disney Parks Dream Vacation from Visa. For complete details, visit Target.com/redcard. Subject to Official Rules, Purchase will not improve your chance of winning. No purchase necessary. Offer available to all US residents. Void where prohibited, TARGET Account Number: 1.1111111111.1 TRAVIS W SMITH Target Visa Credit Card Account Summary Total Credit Limit Cash Limit Available Credit Porton Available for Cash $5,000 $2,500 $3,110 $2,500 The Cash Limit is a portion of the Total Credit Limit Questions? Call Us: Target Credit Services TDD/TDY Outside the U.S. 1-888-755-5856 1-800-347-5842 11-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Your Target Rewards Status 11111111111 Previous Balance Points Earned This Month 562 +235 New Target Rewards Balance 797 Start planning for your 10% off shopping day at Target because you're getting close to earning it. Keep shopping with your REDcard & it'll be there before you know it± Subject to Target Rewards program rules. See Targel.com/rewards for delails. TARGET. NEW PHONE, HOME OR E-MAIL ADDRESS? PLEASE UPDATE ON REVERSE SIDE. OFFICE COPY A 11 �ooaooR 11 u 11 Statement Closing Date: July 28, 2007 Page 1 of 2 Previous Balance Payments & Credits Purchases & Advances Other Charges FINANCE CHARGES New Balance $1,631.86 -45.00 273.96 0.00 28.86 $1,889.68 Minimum Payment Due $47.86 Payment Due Date Your REDcard purchases can help eligible K-12 schools. Visit Target.com/tcoe or call 1.800.316.6142 to find out how you can participate in Take Charge of Education. Target Nallonal Bank, an aMHiete of Target Stores August 22, 2007 Save with Target Pharmacy Rewards. Every 10 Rx Tilled with your REDcard at Target earns you a 10% off certificate. Enroll in store or online at Target.com/pharmacyrewards. Subject to Target Pharmacy Rewards program rules. See Target.corn/phalmacyrewards for detalts. NOTICE: SEE REVERSE 5105 FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK 11 1111 V III �VIl�V���IVI Account Number New Balance Minimum Payment Due Payment Due Date 11111111111111111111 LleleeLlreleeIsIsIIl,LIJleee,IVleeerllleeeleeelll TARGET NATIONAL BANK P.O. BOX 59317 MINNEAPOLIS, MN 55459-0317 IlIIIleelllleeil IIIeelleelelielleelllelrleelllelelleellIIIVlel TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE. PA 17241-8601 Amount Enclosed $1,889.68 $47.86 August 22, 2007 TARGET Account Number: TRAVIS W SMITH Payments & Credits Jul. 23 E -PAYMENT, TARGET.COM Purchases Jun. 29 TOMMY GILBERTS MOD RR Jun. 29 TARGET 00022418 Jun. 29 HESS 38358 Jul. 5 TARGET 00020990 Jul. 14 WAL-MART #5358 Jul. 19 TARGET 00020990 Jul. 20 TARGET 00020990 Finance Charges Days in Billing Period: 30 Balance Type Purchases Cash Corresponding Daily Annual Periodic Rate Percentage Rate 0.05271% 19.24% 0.06915% 25.24% 11 11 '00600` Statement Closing Date: July 28, 2007 Page 2 of 2 Total Payments & Credits GETTYSBURG,PA CHAMBERSBURG, PA CARLISLE, PA CARLISLE, PA SHIPPENSBURG, PA CARLISLE, PA CARLISLE, PA Sub -total Purchases Total Purchases & Advances Average Daily Balance $1,824.86 $0.00 -$45,00 445.00 $12.93 31.21 27.01 93.94 39.24 46.17 23.46 $273.96 $273.96 Periodic Transaction FINANCE FINANCE CHARGE CHARGE $28.86 $0.00 $0.00 $0.00 Total FINANCE CHARGES: $28.86 Actual ANNUAL PERCENTAGE RATE: 19.24% Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary. There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed. TARGET. Account Number: 11111111111MM TRAVIS W SMITH Target Visa Credit Card Account Summary Total Credit Limit Cash Limit Available Credit Portion Available for Cash $5,000 $2,500 $3,087 $2,500 The Cash Limit is a portion of the Total Credit Limit Questions? Call Us: Target Credit Services TDD/TDY Outside the U.S. 1-888-755-5856 1-800-347-5842 11-612-307-8622 (Call Collect) Calling will not preserve your billing-errorrights Your Target Rewards Status Previous Balance 797 Points Earned This Month +42 New Target Rewards Balance 839 Time to make a list - your very own 10% off sale day at Target is just around the corner. All you need is 1,000 points & your Target Rewards certificate will be on the way! Subject to Targel Rewards program rules. See Target.comtrewards for details. TARGET. NEW PHONE. HOME OR E-MAIL ADDRESS, PLEASE UPDATE ON REVERSE SIDE. OFFICE COPY A Q u YN 111 '00000' ism Statement Closing Date: August 28, 2007 Page 1 of 2 Previous Balance Payments & Credits Purchases & Advances Other Charges FINANCE CHARGES New Balance $1,889.68 -50.00 41.66 0.00 31.62 81,912.96 Minimum Payment Due 861.62 Payment Due Date Your REDcard purchases can help eligible K-12 schools. Visit Target.com/tcoe or call 1.800.316.6142 to find out how you can participate in Take Charge of Education. Target National Bank, an afhliaoe of Target Sores September 22, 2007 Save with Target Pharmacy Rewards. Every 10 Rx filled with your REDcard at Target earns you a 10% off certificate. Enroll in store or online at Target.com/pharmacyrewards. Subject to Target Pharmacy Rewards program rules. See Target•com/pharmacyrewards for details. NOTICE, SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WfTH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK 111111 11 IU� 11 flIII I 111 Account Number 11111.11.1/1/111 New Balance $1,912.96 Minimum Payment Due $51.62 Payment Due Date September 22, 2007 11IIIIIIlI11111IJIIIIIIIIlhI 1III111II11IIIi1I11 TARGET NATIONAL BANK P.O. BOX 59317 MINNEAPOLIS, MN 55459-0317 III1111111111111111111►111111111111111111111111111111111111111 TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE. PA 17241-8601 Amount Enclosed TARGET Account Number: 111111111ME TRAVIS W SMITH Payments & Credits Aug. 22 E -PAYMENT, TARGET.COM Purchases Jul. 28 TARGET 00020990 Finance Charges Days in Billing Period: 31 Balance Type Purchases Cash fl 11 u 00000' N 11 Statement Closing Date; August 28, 2007 Page 2 of 2 Total Payments & Credits CARLISLE, PA Sub -total Purchases Total Purchases & Advances -$50.00 -$50.00 $41.6E $41.6€ $41.66 Corresponding Average Periodic Transaction Daily Annual Daily FINANCE FINANCE Periodic Rate Percentage Rate Balance CHARGE CHARGE 0.05271% 19.24% $1,935.38 551.62 *0.00 0.06915% 25.24% $0.00 $0.00 *0.00 Total FINANCE CHARGES: $31.62 Actual ANNUAL PERCENTAGE RATE: 19.24% Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary. There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed. TARGET. Account Number: 111111111.11.1 TRAVIS W SMITH Target Visa Credit Card Account Summary Total Credit Limit Cash Limit Available Credit Portion Available for Cash $5,000 $2,500 $3,063 $2,500 The Cash Limit is a portion of the Total Credit Limit Questions? Call Us: Target Credit Services TDD/TDY Outside the U.S. 1-888-755-5856 1-800-347-5842 11-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Your Target Rewards Status Previous Balance Points Earned This Month 839 +22 New Target Rewards Balance 861 Time to make a list - your very own 10% off sale day at Target is just around the corner. All you need is 1,000 points & your Target Rewards certificate will be on the way! Subject to Target Rewards program rules. See Targel.cornlrewards for details. TARGET: NEW PHONE, HOME OR E-MAIL ADDRESS? PLEASE UPDATE ON REVERSE SIDE. OFFICE COPY n io fl 111 ..00000M u11 in Statement Closing Date: September 28, 2007 Page 1 of 2 Previous Balance Payments & Credits Purchases & Advances Other Charges FINANCE CHARGES New Balance $1,912.96 -51.62 43.42 0.00 31.80 $1,936.58 Minimum Payment Due $51.80 Payment Due Date Your REDcard purchases can help eligible K-12 schools. Visit Target.com/tcoe or call 1.800.316.6142 to find out how you can participate in Take Charge of Education. Target National Bank. an affiliate of Target Stores October 23, 2007 Save with Target Pharmacy Rewards. Every 10 Rx filled with your REDcard at Target earns you a 10% off certificate. Enroll in store or online at Target.com/pharmacyrewards. Subject to Target Pharmacy Rewards program rules. See Target.cornipherrnacyrewards for delails. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK fI 1111 111 If1'I t �IIIIII II Account Number New Balance Minimum Payment Due Payment Due Date 11I1111111tIllllilt1111I1111 I I1111I11111IIlilll TARGET NATIONAL BANK P.O. BOX 59317 MINNEAPOLIS, MN 55459-0317 II1I1IuI1I11I111III1I.I1II.I/IIII1111I1I11IIIIII111I1I11I1111 TRAVIS W SMITH 175 WHISKEY RUN RD NFVWII I F PA 17241-4At11 Amount Enclosed 1,936.56 $51.80 October 23, 2007 TARGET, Account Number: TRAVIS W SMITH 11 11 11 11 00000' II 11 11 Statement Closing Date: September 28, 2007 Page 2 of 2 Payments & Credits Sep. 22 E -PAYMENT, TARGET COM Total Payments & Credits 451.62 451.62 Purchases Sep. 8 Sep. 8 LOVVE'S #1710 RITE AID STORE #7884 CARLISE, PA CARLISLE, PA Sub -total Purchases Total Purchases & Advances $20 10 23.32 $43.42 $43.42 Finance Charges Days in Billing Period: 31 Corresponding Average Daily Annual Daily Balance Type . Periodic Rate Percentage Rate Balance Purchases 0,05271% 19.24% $1,946.06 Cash 0.06915% 25.24% $0.00 Periodic FINANCE CHARGE S31.80 $0.00 Total FINANCE CHARGES: Actual ANNUAL PERCENTAGE RATE: Transaction FINANCE CHARGE $0.00 S0.00 $3180 19.24% Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary. There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed. TARGET. Account Number: TRAVIS W SMITH Target Visa Credit Card Account Summary Total Credit Limit Cash Limit Available Credit Portion Available for Cash $5,000 $2,500 $2,708 $2,500 The Cash Limit is a portion of the Total Credit Limit Questions? CaII Us: Target Credit Services TDD/TDY Outside the U.S. 1-888755-5856 1-800-347-5842 11-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Your Target Rewards Status Previous Balance Points Earned This Month Awarded This Billing Period 861 +304 1000 New Target Rewards Balance 165 Get ready to shop 'til you drop. You deserve it. Congrats on earning 1,000 points - your Target Rewards Certificate is on its way. Keep on shopping for more 10% off days! Subject to Target Rewards program rules. Seo Targel.corn/rew Ards for details. TARGET NEW PHONE. HOME OR E-MAIL ADDRESS? 'LEASE UPDATE ON REVERSE SIDE. OFFICE COPY 11 11 11 '00000* d 11 Statement Closing Date: October 28, 2007 Page 1 of 2 Previous Balance Payments & Credits Purchases & Advances Other Charges FINANCE CHARGES New Balance $1,936.56 -51.80 372.78 0.00 34.34 $2,291.88 Minimum Payment Due $67.34 Payment Due Date Every Target Visa purchase you make can help a K-12 school. For more info & to participate in Take Charge of Education, call 1-800-316- 6142 or go to Target.com/tcoe today. Subject to Take Charge of Education program rutes. See Targel.corn'tcoe for details. Target National Sankan at5kare or Target Stores November 22, 2007 Target Pharmacy Rewards is your next step to savings. Enroll, fill prescriptions at Target Rx with your Target Visa & every 10 prescriptions = a 10% off day. Subject to Target Pharmacy Rewards program rules, See Targel.com/pharmacyrewards for details. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DE T PORTION WITH YOUR PAYMENT MADE PAYABLE TO TNR GET NATIONAL BANK Ill Account Numbe New Balance Minimum Payment Due Payment Due Date IIIr11II1111111IIIIIII111111111111111111111111111111 TARGET NATIONAL BANK P.O. BOX 59317 MINNEAPOLIS, MN 55459-0317 IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE, PA 17241-8601 Amount Enclosed 2,291, 88 $57.34 November22, 2007 TARGET Account Number: TRAVIS W SMITH Payments & Credits Oct. 22 E -PAYMENT, TARGETCOM 11 11 111 '00000' 11 11 11 Statement Closing Date: October 28, 2007 Page 2 of 2 Total Payments & Credits -$51,80 -$51.80 Purchases Oct. 4 TARGET 00020990 Oct. 4 TARGET 00020990 Oct. 8 DUNHAMS SPORTS00001172 Oct. 8 SAVIORS Oct. 8 KNISELYS PET & FARM GENIE Oct. 11 TARGET 00020990 Oct. 12 TARGET 00020990 Oct. 18 TARGET 00020990 Oct. 21 BASS PRO SHOPS CARLISLE, PA CARLISLE, PA CARLISLE, PA NEWVIULLE, PA CARLISLE, PA CARLISLE, PA CARLISLE, PA CARLISLE, PA HARRISBURG, PA Sub -total Purchases Total Purchases & Advances $79.49 7.00 74.19 19.46 12.71 43.19 60.74 42.19 33.81 $372,78 $372,78 Finance Charges Days in Billing Period: 30 Balance Type Purchases Cash Corresponding Average Periodic Transaction Daily Annual Daily FINANCE FINANCE Periodic Rate Percentage Rate Balance CHARGE CHARGE 0.05271% 19.24% $2,171.85 $34.34 $0.00 0.06915% 25.24% $0.00 $0.00 50.00 Total FINANCE CHARGES: $34.34 Actual ANNUAL PERCENTAGE RATE: 19.24% Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary. There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed. TARGET Account Number: TRAVIS W SMITH Target Visa Credit Card Account Summary Total Credit Limit Cash Limit Available Credit Portion Available for Cash $5,000 $2,500 $2,336 $2,336 The Cash Limit is a portion of the Total Credit Limit Questions? Call Us: Target Credit Services TDD/TDY Outside the U.S. 1-888-755-5856 1-800-347-5842 11-612-307-8622 (Call Collect) Calling will not preserve your billing -error nghts 11 11 11 11 11 11 11 Statement Closing Date: November 28, 2007 Page 1 of 2 Previous Balance Payments & Credits Purchases & Advances Other Charges FINANCE CHARGES New Balance $2,291 88 -136.83 468.95 0.00 39.74 $2.663.74 Minimum Payment Due $66.74 Payment Due Dale December 23, 2007 Your Target Rewards Status Previous Balance Points Earned This Month 165 +272 New Target Rewards Balance 437 Don't forget, every Target Visa purchase you make adds up to points toward a 10% off shopping day at Target. 1,000 points earns you your very own Target Rewards Certificate. Subject to Target Rewards program rules. See Target.com/rewards for details. Every Target Visa purchase you make can help a K-12 school. For more info & to participate in Take Charge of Education, call 1-800-316- 6142 or go to Target.com/tcoe today. Subject to Take Charge of Education program rules. See Targel.com/lcoe for details. Target Pharmacy Rewards is your next step to savings. Enroll, fill prescriptions at Target Rx with your Target Visa & every 10 prescriptions =a 10% off day. Subject to Target Pharmacy Rewards program rules. See Targel.cornIphannacyrewards for details. Payments & Credits Nov 21 E -PAYMENT, TARGET COM -$57,34 TARGET, NEW PHONE. HOME OR E -MM. ADDRESS? PLEASE UPDATE ON REVERSE SIDE. OFFICE COPY Targel National Benk. an affiliate o/ 7 afgei SIOSCY NOTICE: SEE REVERSE SDE POR IMPORTANT INFORMATION INCLUDE 1H IS PORTION WrTH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK 1111111 1I MB OM TARGET NATIONAL BANK P.O. BOX 59317 MINNEAPOLIS, MN 55459-0317 TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 1724143601 Account Number New Balance Minimum Payment Due Payment Due Date Amount Enclosed $2,663.74 $66.74 December 23, 2007 TARGET, Account Numbe TRAVIS W SMITH 11 11 JI 1111 00000' 11 Statement Closing Date: November 28, 2007 Page 2 of 2 Payments & Credits continued. Nov. 25 TARGET 00022418 CHAMBERSBURG, PA Total Payments & Credits -79.49 -$136.83 • Purchases Oct. 28 TARGET 00020990 Nov. 3 KMART 9769 Nov. 6 ADVANCE AUTO PARTS #1256 Nov. 10 TARGET 00020990 Nov. 13 OFFICE MAX Nov. 17 TARGET 00020990 Nov, 19 KMART 7746 Nov. 23 TARGET 00022418 Nov. 23 TARGET 00022418 Nov. 23 TARGET 00020990 Nov. 23 TARGET 00020990 Nov. 25 WAL-MART #5358 CARLISLE. PA SHIPPENSBURG, PA CARLISLE, PA CARLISLE, PA CARLISLE, PA CARLISLE, PA CARLISLE, PA CHAMBERSBURG. PA CHAMBERSBURG, PA CARLISLE, PA CARLISLE, PA SHIPPENSBURG, PA Sub -total Purchases Total Purchases & Advances $52.65 37.39 37.67 45.47 42.28 35.43 6,49 31.66 21.20 15.78 31.08 109.85 $468.95 $46895 Finance Charges Days in Billing Period: 31 Balance Type Purchases Cash Corresponding Average Periodic Transaction Daily Annual Daily FINANCE FINANCE Periodic Rate Percentage Rate Balance CHARGE CHARGE 0.05134% 18,74% $2.497.17 $39.74 $0.00 0.06778% 24.74% $0.00 $0.00 $0.00 Total FINANCE CHARGES: $39.74 Actual ANNUAL PERCENTAGE RATE: 18.74% Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary. There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed. Special Announcements and Exclusive Offers "Global Bazaar is coming back to Target with a colorful new twist. Get a REDcard sneak preview at Target.com/global starting December 26th" TARGET. Account Number: TRAVIS W SMITH Target Visa Credit Card Account Summary Total Credit Limit Cash Limit Available Credit Portion Available for Cash $5,000 $2,500 $2,199 $2,199 The Cash Limit is a portion of the Total Credit Limit Questions? Call Us: Target Credit Services TDD/TDY Outside the U.S, 1-888-755-5856 1-800-347-5842 11-612-307-8622 (Call Collect) Ca/ling will not preserve your billing -error rights 11 11 II 111 00000• 11 111 11 Statement Closing Date: December 28, 2007 Page 1 of 2 Previous Balance Payments & Credits Purchases & Advances Other Charges FINANCE CHARGES New Balance $2,66314 -66.74 160,92 0.00 42.63 $2,800.55 Minimum Payment Due $71.63 Payment Due Date January 22, 2008 Your Target Rewards Status TI I1I Previous Balance 437 Points Earned This Month +161 New Target Rewards Balance 598 Keep shopping with your REDcard. You're very close to accumulating 1,000 points, which earns you a Target Rewards certificate for your own 10% off shopping day at Target. Subject to Target Rewards program rules. See store or Target.corn/rewards for details. Through Take Charge of Education, we've given over S200 million to eligible K-12 schools since 1997. By using your REDcard, you cart help too. Call 1-800-316-6142 to learn how. The RX for savings - when you enroll in Target Pharmacy Rewards, every time you fill 10 prescriptions at Target using your REDcard you earn your own 10% off shopping day. Subject to Target Pharmacy Rewards program rules. See store or Targel.cornipharmacyrewards for details. • Payments & Credits Dec 23 E -PAYMENT, TARGETCOM Total Payments & Credits -$66.74 -$66.74 TARGET. NEW PHONE. HOME OR E-MAIL ADDRESS? PLEASE UPDATE ON REVERSE SIDE, OFFICE COPY Target National Bank, an afkloale of Target Stores NOTICE: SEE REVERSE SIOE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK 111110 ICI 111111 Account Number New Balance Minimum Payment Due Payment Due Date TARGET NATIONAL BANK P0.BOX 59317 MINNEAPOLIS, MN 55459-0317 11.1.1..111111.,1“1111..11..111.11..1.111,1.11.11..1.11,11.11 TRAVIS W SMfTH 175 WHISKEY RUN RD NEWVILLE, PA 17241-8601 Amount Enclosed 2,800.55 $71,63 January 22, 2008 TARGET Account Number: TRAVIS W SMITH 11 11 11 11 00000 11 111 Statement Closing Date: December 28, 2007 Page 2 of 2 Purchases Dec. 9 TARGET 00020990 Dec. 9 TARGET 00020990 Dec. 20 TARGET 00020990 CARLISLE, PA CARLISLE. PA CARLISLE, PA Sub -total Purchases Total Purchases & Advances $114 73 17.62 28.57 $160.92 $160 92 Finance Charges Days in Billing Period: 30 Balance Type Purchases Cash Corresponding Average Periodic Transaction Daily Annual Daily FINANCE FINANCE Periodic Rate Percentage Rate Balance CHARGE CHARGE 0.05134% 18.74% $2,767 542.63 MN 0.06778% 24.74% $0.00 $0.00 $0.00 Total FINANCE CHARGES: $42,63 Actual ANNUAL PERCENTAGE RATE 18.74% Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary. There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed. TARGET Account Number: TRAVIS W SMITH Target Visa Credit Card Account Summary Total Credit Limit Cash Limit Available Credit Portion Available for Cash $5,000 $2,500 $2,227 $2,227 The Cash Limit is a portion of the Total Credit Limit Questions? Call Us: Target Credit Services TDDITDY Outside the U.S. 1-888-755-5856 1-800-347-5842 11-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights 0 11 11 *DOOM' 11 11 11 Statement Closing Date: January 28, 2008 Page 1 of 2 Previous Balance Payments & Credits Purchases & Advances Other Charges FINANCE CHARGES New Balance $2,800.55 -71.63 0.00 0.00 43.94 $2,772.86 Minimum Payment Due $71.94 Payment Due Date February 22, 2008 Your Target Rewards Status 1111.1.111111===1 Previous Balance 598 Points Earned This Month +0 New Target Rewards Balance 598 Keep shopping with your REDcard. You're very close to accumulating 1,000 points, which earns you a Target Rewards certificate for your own 10% off shopping day at Target. Subject to Target Rewards program rules. See store or Target.comirewards for details. Through Take Charge of Education, we've given over $200 million to eligible K-12 schools since 1997. By using your REDcard, you can help too. Call 1-800-316-6142 to ream how. The RX for savings - when you enroll in Target Pharmacy Rewards, every time you fill 10 prescriptions at Target using your REDcard you earn your own 10% off shopping day. Subject to Target Pharmacy Rewards program rules. See store or Target.com/pharmacyrewards for details. Payments & Credits Jan, 19 E -PAYMENT, TARGET.COM Total Payments & Credits -$71.63 -$71 63 NEW PHONE, HOME OR E-MAIL ADDRESS? PLEASE UPDATE ON REVERSE SIDE. OFFICE COPY Target National Bank, an affiliate of Target Stcyes NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TAGET NA1 IONAL BANK FEE 11 III utiJ Account Number New Balance Minimum Payment Due Payment Due Date 1111111111•111.111111$1118111 TARGET NATIONAL BANK P.O. BOX 59317 MINNEAPOLIS, MN 55459-0317 11•161•11111•11114111111,1111,11khellMoillilliflilfilleall TRAVIS W SMITH 175 VVHISKEY RUN RD NEVWILLE, PA 17241-8601 Amount Enclosed $2,772.86 $71,94 February 22, 2008 TARGET. Account Number: TRAVIS W SMITH 11 11 If 11 "00000' 11 11 11 Statement Closing Date: January 28, 2008 Page 2 of 2 Finance Charges Days in Billing Period: 31 Balance Type Purchases Cash Corresponding Daily Annual Periodic Rate Percentage Rate 0.05065% 18,49% 0.06709% 24.49% Average Periodic Transaction Daily FINANCE FINANCE Balance CHARGE CHARGE $2,798.77 $43.94 $0.00 $0.00 $0.00 $0.00 Total FINANCE CHARGES: $43.94 Actual ANNUAL PERCENTAGE RATE: 18.49% Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary. There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed. Special Announcements and Exclusive Offers On January 15, get John Legend's new album Live from Philadelphia. The CD from this multi -platinum Grammy -winning recording artist showcases 19 songs, including the tilts "Where's the Love" featuring a duet with Corinne Bailey Rae, and "Slow Dance". The deluxe CD/DVD includes the concert CD, plus 30 minutes of concert footage, videos and interview. Available exclusively at Target and Target.com. TARGET. Account Number: TRAVIS W SMITH 11 11 11 11 11 11 11 Statement Closing Date: February 28, 2008 Page 1 of 2 Target Visa Credit Card Account Summary Total Credit Limit Cash Limit Available Credit Portion Available for Cash $7,000 $3,500 $4,134 $3,500 The Cash Limit is a portion of the Total Credit Limit Questions? Call Us: Target Credit Services TDD/TDY Outside the U.S. 1-888-755-5856 1-800-347-5842 11-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Previous Balance Payments & Credits Purchases 8. Advances Other Charges FINANCE CHARGES New Balance $2,772.86 -71,94 85.34 35.00 44.10 62,866.36 Minimum Payment Due 8108.10 Payment Due Date March 24, 2008 Important Messages We've included some important info Mon about your account with this statement, so be sure to read through the enclosed notice(s). • • CONGRATULATIONS! Due to the excellent mannerin which you have handled your Account, we have increased your credit limit, effective immediately. You are a valued cardholder, and we look forward to continuing to serve you, Your Target Rewards Status Previous Balance 598 Points Earned This Month +67 New Target Rewards Balance 665 Help K-12 schools through Take Charge of Education. Call 1-800-316- 6142 to find out more. Subject to Take Chat ge of Education program rules. See Target.com/lcoe for details, Enroll in Target Pharmacy Rewards & get a 10% off day when you fill 10 Rx at Target with your REDcard. Subject to Target Pharmacy Rewards program rules. See store or Target_corrifpharmacytewards for details. NEW PHONE, HOME OR E-MAIL ADDRESS, PLEASE UPDATE ON REVERSE SIDE, OFFICE COPY Targel National Bank, en nfikate al Tar Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS POR TION WITH YOUR PAYMENT MADE PAYABLE TO "TARGET NATIONAL RNP EiltIitJ II 11 IFlI TARGET NATIONAL BANK P.O. BOX 59317 MINNEAPOLIS, MN 55459-0317 TRAVIS W SMITH 175 WHISKEY RUN RD NEVVVILLE, PA 17241-8601 Account Number New Balance Minimum Payment Due Payment Due Date Amount Enclosed 2,865.36 $108.10 March 24, 2008 TARGEt Account Number: TRAVIS W SMITH Payments & Credits Feb. 23 E -PAYMENT, TARGET.COM 11 11 11 11 04)000' 11 11 11 Statement Closing Date: February 28, 2000 Page 2 of 2 Total Payments & Credits 471.94 471.94 Purchases Jan. 29 TARGET 00020990 Jan. 30 TARGET 00020990 Feb, 11 WAL-MART #2574 Feb. 26 WAL-MART #2574 CARLISLE, PA CARLISLE. PA CARLISLE, PA CARLISLE, PA Sub -total Purchases Total Purchases & Advances $37.07 10.34 16.85 21.08 $85.34 $85.34 Other Charges Feb. 22 LATE PAYMENT FEE Total Other Charges $35.00 $35.00 Finance Charges Days in Billing Period: 31 Balance Type Purchases Cash Corresponding Average Periodic Transaction Daily Annual Daily FINANCE FINANCE Periodic Rate Percentage Rate Balance CHARGE CHARGE 0.04997% 18.24% $2,847.01 $44.10 $0.00 0.06641% 24.24% $0.00 $0.00 $0.00 Total FINANCE CHARGES: $44.10 Actual ANNUAL PERCENTAGE RATE: 18.24% Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary. There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed. TARGET, Account Number: TRAVIS W SMITH 11 IJ1 0 11 11 11 Statement Closing Date: March 28, 2008 Page 1 of 2 Target Visa Credit Card Account Summary Total Credit Limit Cash Limit Available Credit Portion Available for Cash $7,000 $3,500 $4,103 $3.500 The Cash Limit is a portion of the Total Credit Limit Questions? Call Us: Target Credit Services TDD/TDY Outside the U.S. 1-888-755-5856 1-800-347-5842 11-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Previous Balance Payments & Credits Purchases & Advances Other Charges FINANCE CHARGES New Balance $2,865.36 -108.10 100.00 0.00 39.65 $2,896.91 Minimum Payment Due $68.66 Payment Due Date April 22, 2008 Your Target Rewards Status .1111101111.111.1:1:0 Previous Balance 665 Points Eamed This Month +50 New Target Rewards Balance 715 A sale day is in your future! When you earn 1,000 points by shopping with your REDcard, you'll receive a 10% off day of shopping for the place you love to shop: Target. Subject to Target Rewards program rules. See store or Target.corn/rewards for details. Payments & Credits Mar. 23 E -PAYMENT, TARGET.COM NEW PHONE, HOME OR E-MAIL ADDRESS? PLEASE UPDATE ON REVERSE SIDE, OFFICE COPY Enroll in Take Charge of Education, & choose the eligible K - 12 school that you want to help. Schools use the money they receive from this program to buy what students need. subject to Take Charge of Education program rules, See store or Target.corn/Icoe for details. Target National Bank, an atfiliale ot Target Stores Enroll in Target Pharmacy Rewards. Then, fill just 10 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 10% off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Target.com/pharmacy rewards tor details. Total Payments & Credits NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATION/ BANK 1 llI IE 11 TARGET NATIONAL BANK P.O. BOX 59317 MINNEAPOLIS, MN 55459-0317 TRAVIS W SMITH 175 WHISKEY RUN RD NEVVVILLE. PA 17241-8601 Account Number New Balance Minimum Payment Due Payment Due Date 4108,10 -$1O8.10 Amount Enclosed $68.65 April 22, 2008 TARGET. Account Number: TRAVIS W SMITH 11 1111 JJ II 00000' 11 11 11 Statement Closing Date: March 28. 2008 Page 2 of 2 Purchases Mar, 7 DISH NETVVORK-ONE TIME 800-333-3474, CO Sub -total Purchases Total Purchases & Advances $100,00 $100.00 $100 00 Finance Charges Days in Billing Period: 29 Balance Type Purchases Cash Corresponding Average Periodic Transaction Daily Annual Daily FINANCE FINANCE Periodic Rate Percentage Rate Balance CHARGE CHARGE 0.04654% 16.99% $2,937.94 $39.65 80.00 0.06298% 22,99% $0.00 90.00 $0.00 Total FINANCE CHARGES: ;39.66 Actual ANNUAL PERCENTAGE RATE: 16.99% Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary. There is a minimum FINANCE CHARGE of ;1.00 for any billing period in which a Finance Charge is imposed. TARGET Account Number: TRAVIS W SMITH Target Visa Credit Card Account Summary Total Credit Limit Cash Limit Available Credit Portion Available for Cash $7,000 $3,500 $4,092 $3,500 The Cash Limit is a portion of the Total Credit Limit Questions? Call Us: Target Credit Services TDD/TDY Outside the U.S. 1-888-755-5856 1-800-347-5842 11-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights 11 00000 Statement Closing Date: April 28, 2008 Page 1 of 2 Previous Balance Payments & Credits Purchases & Advances Other Charges FINANCE CHARGES New Balance $2,896.91 -90.64 58.71 0,00 42.13 $2,90711 Minimum Payment Due 372.13 Payment Due Date May 23, 2008 Your Target Rewards Status 111111111111111MEM Previous Balance 715 Points Earned This Month +37 New Target Rewards Balance 752 A sale day is in your future! When you earn 1,000 points by shopping with your REDcard, you'll receive a 10% off day of shopping for the place you love to shop: Target. Subject to Target Rewards program rides. See store or Targel.corn/rewarcls for details. Enroll in Take Charge of Education, & choose the eligible K - 12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subtract to Take Charge of Education program rules. See store or Target.cornitcoe tor details. Enroll in Target Pharmacy Rewards. Then, fill just 10 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 10% off shopping day at Target, Subject to Target Pharmacy Rewards program rules. See store or Target.com/pharrnacy rewards for details, Payments & Credits Apr, 15 TARGET 00020990 Apr, 22 E -PAYMENT, TARGET.COM NEW PHONE, HOME OR EMAIL ADDRESS? PLEASE UPDATE ON REVERSE SIDE, OFFICE COPY Target National Bank, an attIllate otTatgat Stores CARLISLE, PA Total Payments & Credits NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK Account Number New Balance Minimum Payment Due Payment Due Date [10 111111 111 IFillIIE TARGET NATIONAL BANK P.O. 80X59317 MINNEAPOLIS, MN 55459-0317 TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE. PA 17241-8601 -$21.99 -68,65 Amount Enclosed -$90.64 2,907. $72.13 May 23, 2008 TARGEI Account Number: TRAVIS W SMITH Purchases Apr, 14 TARGET 00020990 1 11 00000* 01 111 Statement Closing Date: April 28, 2008 Page 2 of 2 CARLISLE, PA Sub -total Purchases Total Purchases & Advances $58.71 $58.71 $58.71 Finance Charges Days in Billing Period: 31 Balance Type Purchases Cash Corresponding Average Periodic Transaction Daily Annual Daily FINANCE FINANCE Periodic Rate Percentage Rate Balance CHARGE CHARGE 0.04654% 16.99% $2,920.24 $42.13 $0.00 0.06298% 22,99% $0.00 $0.00 $0.00 Total FINANCE CHARGES: $42.13 Actual ANNUAL PERCENTAGE RATE: 16.99% Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary. There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed. TARGET. Account Number: TRAVIS W SMITH Target Visa Credit Card Account Summary Total Credit Limit Cash Limit Available Credit Portion Available for Cash $7,000 $3,500 $4,044 $3,500 The Cash Limit is a portion of the Total Credit Limit Questions? Call Us: Target Credit Services TDD/TD'( Outside the U.S. 1-888-755-5856 1-800-347-5842 11-612-307-6622 (Call Collect) Calling will not preserve your billing -error rights 11 II 11 111 *00000' Statement Closing Date: May 28, 2008 Page 1 of 2 Previous Balance Payments & Credits Purchases & Advances Other Charges FINANCE CHARGES New Balance $2,907.11 -72.13 79,62 0,00 40.94 $2,955,94 Minimum Payment Due $70.94 Payment Due Date June 22, 2008 Your Target Rewards Status 1111=11111.111=11= Previous Balance 752 Points Earned This Month +80 New Target Rewards Balance 832 A sale day is in your future! When you earn 1,000 points by shOpping with your REDcard, you'll receive a 10% off day of shopping for the place you love to shop: Target. Subject to Target Rewards program rules. See store or Target.cornirewards for details. Enroll in Take Charge of Education, & choose the eligible K - 12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules_ See store or Targel.corn/lcoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 10 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 10% off shopping day at Target. Subject to Target Pharmacy Rewards program rues. See store or Target.cornipharmacy rewards for details. Payments & Credits May 23 E -PAYMENT, TARGET.COM Total Payments & Credits -$72.13 -$72.13 TARGET NEW PHONE. HOME OR E-MAIL ADDRESS? PLEASE UPDATE ON REVERSE SIDE. OFFICE COPY Target National Bank, an affiliate ol Target Saes 1,4OTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK 11 IIJl 1 IlIlIlIlt IU 1111(11 ISIIIUIIIIIIIIIIISIIIII,IpIIflhIl TARGET NATIONAL BANK P.O. BOX 59317 MINNEAPOLIS, MN 55459-0317 TRAVIS W SMITH 175 WHISKEY RUN RD NEVWILLE. PA 17241-8601 Account Number New Balance Minimum Payment Due Payment Due Date Amount Enclosed 2,955,54 $70.94 June 22, 2008 TARGET Account Number: TRAVIS W SMITH 11 11 11 11 *00000' 11 II 11 Statement Closing Date: May 28, 2009 Page 2 of 2 Purchases May 20 TARGET 00020990 May 23 TARGET 00020990 CARLISLE, PA CARLISLE, PA Sub -total Purchases Total Purchases & Advances $39.58 40,04 $79.62 $79.62 Finance Charges Days in Billing Period: 30 Balance Type Purchases Cash Daily Periodic Rate Corresponding Annual Percentage Rate Average Periodic Transaction Daily FINANCE FINANCE Balance CHARGE CHARGE 0.04654% 16.99% $2,932.27 *40.94 $0.00 0.06298% 22.99% $0.00 $0.00 *0.00 Total FINANCE CHARGES: *40.94 Actual ANNUAL PERCENTAGE RATE: 16.99% Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary. There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed. Special Announcements and Exclusive Offers Not enrolled in Target Pharmacy Rewards? Sign up today! By using your REDcard to fill prescriptions at Target Pharmacy, you can earn Target Rx Rewards punches and Target Rewards points toward a 10% off day of shopping. Subject to Target Pharmacy Rewards and Target Rewards program rules. See Target.cornipharmacyrewards and Target.cornirewards for details. TARGET. Account Number: TRAVIS W SMITH 11 11 11 11 00000 11 11 11 Statement Closing Date: June 28, 2008 Page 1 of 2 Target Visa Credit Card Account Summary Total Credit Limit Cash Limit Available Credit $7,000 $3,500 $3,873 Portion Available for Cash $3.500 The Cash Limit is a portion of the Total Credit Limit Questions? Call Us: Target Credit Services TDD/TDY Outside the U.S. 1-888-755-5856 1-800-347-5842 11-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Previous Balance Payments & Credits Purchases & Advances Other Charges FINANCE CHARGES New Balance $2,955.54 -70.94 198.86 0.00 43.00 $3,128.48 Minimum Payment Due $75.00 Payment Due Date July 23, 2008 Your Target Rewards Status 111.1111.10111.11111111ED Previous Balance 832 Points Earned This Month +124 New Target Rewards Balance 956 A sale day is in your future! When you earn 1,000 points by shopping with your REDcard, you'll receive a 10% off day of shopping for the place you love to shop: Target. • Subject to Target Rewards program rules. See store or Torget.cornirewards for details. Enroll in Take Charge of Education, & choose the eligible K - 12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Target.corrYlcoe lor details. Enroll in Target Pharmacy Rewards. Then, fill just 10 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 10% off shopping day at Target. Subject to Targel Pharmacy Rewards program rules. See store or Target,cornipharmacy rewards for details, Payments & Credits Jun. 21 E -PAYMENT, TARGET.COM Total Payments & Credits -$70.94 -$70.94 TARGET NEW PHONE. HOME OR E-MAIL ADDRESS-, PLEASE UPDATE ON REVERSE SIDE. OFFICE COPY Target National Bonk. an aMllote of Target Stores NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TAR SFr NATIONAL. BANK JII1FJIIM II IJI 1I 111 TARGET NATIONAL BANK P.O. 80X59317 MINNEAPOLIS, MN 55459-0317 TRAVIS W SMITH 175 WHISKEY RUN RD NEVVVItLE, PA 17241-8601 If Account Number New Balance Minimum Payment Due Payment Due Date Amount Enclosed ,126.4 $75.00 July 23, 2008 TARGET,. Account Numbe TRAVIS VVSMITH 11 `Cr0v00^ 11 Statement Closing Date: June 28, 2008 Page 2ofz •' ' Purchases May 30 WAL-MART #5358 Jun. 6 BORDERS BOOKS 01004555 Jun. 13 TARGET 00020990 SHIPPENS8uRG.PA CAMP HtLL, PA CARLISLE. PA Sub -total Purchases Total Purchases & Advances $103.72 47.15 47.99 $198'86 $198 86 Finance Charges Days in Bming Penod: 31 Balance Type Purchases Cash Corresponding Average Periodic Transaction Daily Annual Daily FINANCE FINANCE Periodic Rate Percentage Rate Balance CHARGE CHARGE 0u**4936 16.24% $n.,/una %43.00 $0,00 0.06093u 22.24vu $0.00 $0.00 $0,00 Total FINANCE CHARGES: 543.00 Actual ANNUAL PERCENTAGE RATE: 16.2*% Your periodic rate(s) and dorresponding Annual Percentage Rate(s) for purchases and cash advances may vary. There s a minimum FINANCE CHARGE of $1.00 for any billing period in wI-uch a Finance Charge is imposed. TARGET Account Number: TRAVIS W SMITH Target Visa Credit Card Account Summary Total Credit Limit Cash Limit Available Credit Portion Available for Cash $7,000 $350 $3,703 $350 The Cash Limit is a portion of the Total Credit Limit Questions? Go online or call us: Manage My REDcard Target.com/redcard Target Credit Services 1-888-755-5856 TODTTDY 1-800-347-5842 Outside the U.S. 11-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights 11 11 11 11 11 11 11 Statement Closing Date: July 28, 2008 Page 1 of 2 Previous Balance Payments & Credits Purchases & Advances Other Charges FINANCE CHARGES New Balance $3,126.46 -75.00 201,90 0.00 43.14 $3,296.60 Minimum Payment Due $76.14 Payment Due Date August 22, 2008 Important Messages We've included some important information about your account with this statement, so be sure to read through the enclosed notice. Your Target Rewards Status Previous Balance Points Eamed This Month Awarded This Billing Period 956 *137 1000 New Target Rewards Balance 93 You did it You used your REDcard to earn a 10% off day of shopping at Target. Happy shopping! Subject to Target Rewards program rules. See More or Target.comfrewards for details, Enroll in Take Chare of Education, & help students at the K - 12 school of your choice. Subject to Take Charge of Education program rules. See store or Target.cornitcoe for detaits. Enroll in Target Pharmacy Rewards, fill 10 prescriptions with your REDcard at Target, to earn a 10% off sale day at Target. Subject to Target Pharmacy Rewards program rules, See store or Target.com/pharmacy rewards for details, NEW PHONE HOME OR E-MAIL. ADDRESS? PLEASE UPDATE ON REVERSE SIDE. OFFICE COPY Target National Rank. an eff;hale of Tar9et Slays NOT:CE; SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TAR C..ET NATIONAL BANK MINN 11 11I IiI1 II 1111 TARGET NATIONAL BANK P.O. BOX 59317 MINNEAPOLIS, MN 55459-0317 TRAVIS W SMITH 175 WHISKEY RUN RD NEVWILLE, PA 17241-8601 Account Number New Balance Minimum Payment Due Payment Due Date Amount Enclosed 29 $76.14 August 22, 2008 TARGET Account Number: TRAVIS W SMITH 11 11 11 11 00000' 1 11 11 Statement Closing Date: July 28, 2008 Page 2 of 2 Payments & Credits Jul. 22 E -PAYMENT, TARGET.COM Purchases Jun. 27 OFFICE MAX Jun, 30 TARGET 00020990 Jul. 3 OLLIES BARGAIN OUTLET 64 Jul. 15 TARGET 00020990 Jul. 17 SHERVV1N WILLIAMS #5949 Finance Charges Days in Billing Period: 30 Balance Type Purchases Cash Total Payments & Credits CARLISLE, PA CARLISLE, PA CHAMBERSBURG, PA CARLISLE, PA CARLISLE, PA Sub -total Purchases Total Purchases & Advances Corresponding Average Daily Annual Daily Periodic Rate Percentage Rate Balance 0.04380% 15.99% $3,283.10 0.06024% 21.99% $0.00 475.00 -$75.00 $5720 48,62 20.09 20,86 55,13 $201,90 $201.90 Periodic Transaction FINANCE FINANCE CHARGE CHARGE $43.14 $0.00 $0.00 $0.00 Total FINANCE CHARGES: $43.14 Actual ANNUAL PERCENTAGE RATE: 16.99% Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary. There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed. . *. Special Announcements and Exclusive Offers REDcard: A most rewarding way to shop. You can earn savings and other exclusive benefits just by using your REDcard. If you're not already enrolled in Take Charge of Education and Target Pharmacy Rewards, sign up today at Target.com/redcard. TARGET Account Number: TRAVIS W SMITH 11 11 11 00900' 11 11 Statement Closing Date: August 28, 2008 Page 1 of 2 Target Visa Credit Card Account Summary Total Credit Limit Cash Limit Available Credit Portion Available for Cash $7,000 $350 $3,206 $350 The Cash Limit is a portion of the Total Credit Limit Questions? Go online or call us: Manage My REDcard Targetcomiredcard Target Credit Services 1-888-755-5856 TDDfTDY 1-800-347-5842 Outside the U.S. 11-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Your Target Rewards Status 1111111111•111=11] Previous Balance 93 Points Earned This Month +471 New Target Rewards Balance 564 A sale day is in your future! When you earn 1,000 points by shopping with your REDcard, you'll receive a 10% off day of shopping for the place you love to shop: Target. Subject to Target Rewards program rukes. See store or Target.cornirewards for details, Previous Balance Payments & Credits Purchases & Advances Other Charges FINANCE CHARGES New Balance $3,296.50 -76.14 524.89 0.00 48.70 $3,793.95 Minimum Payment Due $86.70 Payment Due Date Enroll in Take Charge of Education, & choose the eligible K - 12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Tatget.corortcoe tor details. September 22, 2008 Enroll in Target Pharmacy Rewards. Then, fill just 10 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 10% off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Target,com/pharmacy rewards for details. Payments & Credits Aug. 21 E -PAYMENT, TARGET.COM Total Payments & Credits -$76.14 -$76.14 TARGEI NEW PHONE., HOME OR E-MAIL ADDRESS, PLEASt UPDATE ON REVERSE SIDE, OFFICE COPY Target National Bank, en affiltste of Target Stores NOTICESEE (REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE 10 TARGET NATIONAL BANK 1111 110 111111 111 E 11 Account Number New Balance Minimum Payment Due Payment Due Date TARGET NATIONAL SANK P,O. BOX 59317 MINNEAPOLIS, MN 55459-0317 III TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE, PA 17241-8601 Amount Enclosed 3,793.95 $86.70 September 22, 2008 Account Number: TRAVIS W SMITH 11 11 11 11 00000* 11 11 11 Statement Closing Date: August 28, 2008 Page 2 of 2 Purchases Aug. 5 TARGET 00020990 Aug. 9 TARGET 00022418 Aug. 9 CRACKER BARREL #258 Aug. 15 SCALLES INC Aug. 17 TARGET 00020990 Aug. 23 CHINA INN Aug. 24 CAMPHILL DINER Aug. 26 FISHER AUTO PARTS #375 Aug. 26 ARBY'S 7805 .00078055 CARLISLE, PA CHAMBERSBURG, PA CHAMBERSBURG, PA CARLISLE, PA CARLISLE, PA SHIPPENSBURG, PA CAMP HILL, PA CARLISLE, PA HARRISBURG, PA Sub -total Purchases Total Purchases 8 Advances $18.98 296.75 39.60 19.99 100.19 21.68 9.70 11.65 6.35 $524.89 $52489 Finance Charges Days in Billing Period: 31 Balance Type Purchases Cash Corresponding Average Periodic Transaction Daily Annual Daily FINANCE FINANCE Periodic Rate Percentage Rate Balance CHARGE CHARGE 0.04380% 15.99% $3,586.88 148.70 $0.00 0.06024% 21.996 $0.00 10,00 10.00 Total FINANCE CHARGES: 148.70 Actual ANNUAL PERCENTAGE RATE: :18,99% Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary. There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed. TARGET, Account Number: TRAVIS W SMITH 11 11 '00000* 11 11 11 Statement Closing Date: September 28, 2008 Page 1 of 2 Target Visa Credit Card Account Summary Total Credit Limit $7,000 Cash Limit $3,500 Available Credit $2,923 Portion Available for Cash $2,923 The Cash Limit is a portion of the Total Credit Limit Questions? Go online or call us: Manage My REDcard Target.com/redcard Target Credit Services 1-888-755-5856 TOD/TDY 1-800-347-5842 Outside the U.S. 11-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Previous Balance Payments & Credits Purchases & Advances Other Charges FINANCE CHARGES New Balance $3,79395 -86.70 315.47 0.00 53.80 $4,076.52 Minimum Payment Due $94.80 Payment Due Date October 23, 2008 Important Messages Important Statement Message Security is important to us as it is to you - that's why we will be removing your account number from your credit card statement, beginning on your next statement, If you need to call us for any reason, please have your credit card handy. Recently your maximum cash line was inadvertently decreased because of a system error. We 've corrected the problem and re -set your cash line back to where it was. We're sorry for the mistake and hope it didn't cause any trouble for you. Have questions? Give us a call at (888) 755-5856 and we'll be glad to help. We hope you'll continue to enjoy all the benefits of using your Target Visa. NOTICE: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3450, Houston, TX 77010-9050. TARGET NEW PHONE, HOME OR E-MAIL ADDRESS, PLEASE UPDATE ON REVERSE SIDE, OFFICE COPY Target National Bank, an aMllate of Target SFores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK 111 EI 110 iil 11 111 1111111 TARGET NATIONAL BANK P.O.• BOX 59317 MINNEAPOLIS, MN 55459-0317 TRAVIS W SMITH 175 WHISKEY RUN RD NEVVVILLE. PA 17241-8601 1 Account Number New Balance Minimum Payment Due Payment Due Date Amount Enclosed 4, 7 . $94.80 October 23, 2008 TARGET Account Number: TRAVIS W SMITH 11 11 11 11 00000' 11 111 Jf Statement Closing Date: September 28, 2008 Page 2 of 2 Your Target Rewards Status 1111.11111.11.111Ern Previous Balance 564 Points Earned This Month +207 New Target Rewards Balance 771 You're getting closet When you earn 1,000 points, you'll get a 10% off day of shopping at Target. Subject to Target Rewards program rules. See store or Targetcom/rewards for details. Enroll in Take Charge of Education, & help students at the K - 12 school of your choice. Subject to Take Charge of Education program rules. See store or Targetcornitcoe for details. Enroll in Target Pharmacy Rewards, fill 10 prescriptions with your REDcard at Target, to earn a 10% off sale day at Target. Subject to Target Pharrrracy Rewards program rules. Seo store or Targetcomipharmacy rewards for details. Payments & Credits Sep. 22 E -PAYMENT. TARGET.COM Total Payments 8 Credits -$86.70 -$86.70 Purchases Aug, 30 Sep. 5 Sep. 7 Sep. 13 Sep. 13 Sep. 15 Sep. 18 Sep. 18 Sep. 20 Sep. 22 BORDERS BOOKS 01004555 LOWS #02816' WAL-MART #5358 TARGET 00022418 OLLIES BARGAIN OUTLET 64 TARGET 00020990 MICHAELS #7720 BIG LOTS #014100014134 BIG LOTS #017800017889 CVS PHARMACY #1627 Q03 Finance Charges Days in Billing Period: 31 Balance Type Purchases Cash Daily Periodic Rate 0.04380% 0,06024% Corresponding Annual Percentage Rate 15.99% 21.99% CAMP HILL, PA SHIPPENSBURG, PA SHIPPENSBURG, PA CHAMBERSBURG, PA CHAMBERSBURG, PA CARLISLE, PA CHAMBERSBURG, PA CAMP HILL, PA CHAN/iBERSBURG, PA CARLISLE, PA Sub -total Purchases Total Purchases & Advances Average Daily Balance $3,961.97 $0.00 Periodic FINANCE CHARGE $53.80 50.00 Total FINANCE CHARGES: Actual ANNUAL PERCENTAGE RATE: $24.60 10.57 34.17 59.06 43.87 35.99 41.52 45.12 15.28 5.29 $315.47 $315.47 Transaction FINANCE CHARGE $0.00 $0.00 $53.80 15.99% Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary. There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed. Special Announcements and Exclusive Offers Save paper, save trees, save time: Manage your REDcard online. Did you know you can save paper by signing up to get your REDcard statement online? To suppress your paper statements, visit Target.com/redcard and sign up with "Manage My REDcard." With online REDcard 21..C.PCCvnut ran maw %int tr kill cent In . - TARGET Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 TRAVIS WSMiTH 11 11 11 11 '00000' 11 11 11 Statement Closing Date: October 28, 2008 Page 1 of 2 Target Visa Credit Card Account Summary Total Credit Limit Cash Limit Available Credit Portion Available for Cash $7,000 $3,500 $2,851 32,851 The Cash Limit is a portion of the Total Credit Limit Questions? Go online or call us: Manage My REDcard Target.com/redcard Target Credit Services 1-888-755-5856 TDD/TDY 1-800-347-5842 Outside the U.S. 11-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Previous Balance Payments & Credits Purchases & Advances Other Charges FINANCE CHARGES New Balance 34,076 52 -9480 102.55 0.00 64.57 $4,148.84 Minimum Payment Due $106.57 Payment Due Date November 22, 2008 Important Messages Important Statement Message Security is important to us as it is to you - that's why we have removed your account number from your credit card statement. If you need to call us for any reason, please have your credit card handy. Your Target Rewards Status Previous Balance Points Earned This Month 771 +84 New Target Rewards Balance 855 You're getting close! When you earn 1,000 points, you'll get a 10% off day of shopping at Target. Subject to Target Rewards program rules. See store or Target.comirewards for detai)s. Enroll in Take Charge of Education, & help students at the K - 12 school of your choice. Subject to Take Charge of Education program rules. See store or Target.cernitcoe for details. Enroll in Target Pharmacy Rewards, fill 10 prescriptions with your REDcard at Target, to earn a 10% off sale day at Target. Subject to Target Pharmacy Rewards program rules. See store Or Targetcom/phafmacy rewards for details. NEW PliONE. HOME OR E-MAIL ADDRESS? PLEASE UPDATE ON REVERSE sior:. OFFICE COPY Tartlet National Bank. an affiliate of -Target Stores NOTICE: SEE REVERSE SIDE. FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK 1111 111 Eli Account Number XXXX-XXXX-XXXX-2686 New Balance $4,148.84 Minimum Payment Due $106.57 Payment Due Date November 22. 2008 TARGET NATIONAL BANK P.O. BOX 59317 MINNEAPOLIS, MN 55459-0317 11.1.1.,11111.11.111.11111..11.111.1..11..111.1.11..111,111.1 TRAVIS W SMITH 175 WHISKEY RUN RD NEVWILLE, PA 17241-8601 Amount Enclosed TARGET Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 TRAVIS W SMITH 1 11 11 11 11 Statement Closing Date: October 28, 2008 Page 2 of 2 Payments & Credits Oct. 21 E -PAYMENT, TARGET:COM Total Payments & Credits -$94,80 -$94.80 Purchases Sep. 28 TARGET 00020990 Oct. 14 TARGET 00020990 Oct. 16 HESS 38358 Oct. 17 TARGET 00020990 Oct, 17 AC MOORE STIR #82 CARLISLE. PA CARLISLE, PA CARLISLE, PA CARLISLE, PA MECHANICSBURG, PA Sub -total Purchases Total Purchases & Advances $17.19 27.54 23.00 19.07 15.75 $102.55 $102.55 Finance Charges Days in Billing Period: 30 Balance Type Purchases Cash Corresponding Average Periodic Transaction Daily Annual Daily FINANCE FINANCE Periodic Rate Percentage Rate Balance CHARGE CHARGE 0.052026 18.99% $4,137.20 $64.57 $0.00 0.06846% 24.99* $0.00 $0.00 $0.00 Total FINANCE CHARGES: $64.57 Actual ANNUAL PERCENTAGE RATE: 18.99% Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary. There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed. Special Announcements and Exclusive Offers On November 11, get Christina Aquilera's Keeps GettinBetter - A Decade of Hits, a collection of the singer's most memorable songs. It features ten of her most popular hits and two brand new tracks, "Keeps Gettin' Bette( and "Dynamite," which will only be available at Target and Target.com. TARGET, Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 TRAVIS W SMITH 11 11 11 00000 11 11 Statement Closing Date: November 28, 2008 Page 1 of 2 Target Visa Credit Card Account Summary Total Credit Limit Cash Limit Available Credit Portion Available for Cash $7,000 $3,500 $2.890 $2,890 The Cash Limit is a portion of the Total Credit Limit Questions? Go onlineor call us: Manage My REDcard Target.com/redcard Target Credit Services 1-888-755-5856 TDD/TDY 1-800-347-5842 Outside the U.S. 11-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Previous Balance Payments & Credits Purchases & Advances Other Charges FINANCE CHARGES New Balance $4,148.84 -106.57 0.00 0.00 67.04 $4,109.31 Minimum Payment Due $109.04 Payment Due Date December 23, 2008 t" ' Your Target Rewards Status magglaiglEMSIBUNIS11111i11 Previous Balance Points Earned This Month 855 New Target Rewards Balance 855 A sale day is in your futueel When you earn 1,000 points by shopping with your REDcard, you'll receive a 10% off day of shopping for the place you love to shop: Target. Subject to Target Rewards program rules. See store or Target.com/rewards for details. Enroll in Take Charge of Education, & choose the eligible K - 12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program lutes, See store or Target.cornitcoe for details, Enroll in Target Pharmacy Rewards. Then, fill just 10 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 10% off shopping day at Target. Subject to Target Pharmacy Rewards program rules. Sec store or Targe(.coiniphal many rewards for details. 'sr A;-, 43,4' >:44X0,41 -1* -L, Ait41,14.V.Nt'ei 4,4# `bitt'ilii`,,\ Payments & Credits Nov. 22 E -PAYMENT, TARGET.COM Total Payments & Credits -$106.57 4106.57 TARGET-, IEW PHONE. HOME OR ADDRESS? 'LEASE UPDATE ON !EVER SE SIDE. )FFICE COPY Target National Bank, an affiliate of Tai9et Slore NOTiC;E: SEE REVERSE SIDE FOR tMPOR TANI INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYARE TC) TARGET NATiGNAl BANK IO 111 Account Number XXXX-XXXX-XXXX-2686 New Balance $4,109.31 Minimum Payment Due $109.04 Payment Due Date December 23, 2008 TARGET NATIONAL BANK P0. BOX 59317 MINNEAPOLIS, MN 55459-0317 1111,11,111141111111111111#1111111111111111114111.11111111Iiii TRAVIS W SMITH 175 WHISKEY RUN RD NEVVVILLE, PA 17241-8601 Amount Enclosed TARGET Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 TRAVIS W SMITH Finance Charges Days in Billing Period: 31 Balance Type Purchases Cash Corresponding Daily Annual Periodic Rate Percentage Rate 0.05202% 18.99% 0.06846% 24.99% 11 N 11 11 -00000 11 11 Statement Closing Date: November 28, 2008 Page 2 of 2 Average Periodic Transaction Daily FINANCE FINANCE Balance CHARGE CHARGE $4,157.28 $67.04 $0.00 $0.00 $0.00 $0.00 Total FINANCE CHARGES: $67.04 Actual ANNUAL PERCENTAGE RATE: 18.99% Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary. There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed. Special Announcements and Exclusive Offers Joy for them. Rewards for you. Looking for inspired gift ideas? Try Target Gift Finder at Target.com/giftfinder. Or, wrap up shopping with your cell phone by texting the gender & age of who you're shopping for to 827438*(TARGET). We'll present you with a wealth of ideas. Then pay for your gifts with your REDcard to earn points toward a 10% off** day, your reward for another holiday well done. Standard messaging rates will apply. Other charges may apply. The list may be sent to multiple messages. Service available on participating carriers only. For help, send HELP GIFT to 827483. Mobile Gift Finder ends 12/31/2008. " Subject to Target Rewards program rules. See store or Target.com/rewards for details. REDcard: Target Visa Credit Card and Target Credit Card. Subject to application approval. TARGET Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 TRAVIS W SMITH 11 11 '00000' 11 tl 11 Statement Closing Date; December 28, 2008 Page 1 of 2 12.i,Fy, S • .;)M16, ),!:‘,1;'0, !.1; Target Visa Credit Card Account Summary Total Credit Limit Cash Limit Available Credit Portion Available for Cash $7,000 $3,500 $6,914 $3,500 The Cash Limit is a portion of the Total Credit Limit Questions? Go online or call us: Manage My REDcard Target.com/redcard Target Credit Services 1-888-755-5856 TDD/TDY 1-800-347-5842 Outside the U.S. 11-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Previous Balance Payments & Credits Purchases & Advances Other Charges FINANCE CHARGES New Balance $4,109.31 -4,076.00 0.00 0.00 51.88 $85.19 Minimum Payment Due $52.88 Payment Due Date January 22, 2009 ✓it q,,•d°.� sn: r':�44k r.;fir, x9 ..15iJnOr"ei {,4 r Your Target Rewards, Status {J V 4 @ V4 Previous Balance Points Earned This Month 855 +0 New Target Rewards Balance 855 A sale day is in your future! When you earn 1,000 points by shopping with your REDcard, you'll receive a 10% off day of shopping for the place you love to shop: Target. Subject to Target Rewards program rules. See store or Target.car)/rewards for details. Enroll in Take Charge of Education, & choose the eligible K - 12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Target.com/tcoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 10 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 10% off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Tar'get.com/pharmacy rewards tor details. V ulil�^n'�r.?� E✓ Payments & Credits Dec. 23 PAYMENT. THANKS! Total Payments & Credits -$4,076.00 -$4,076.00 TARGET NEW PHONE. HOME OR E-MAIL ADDRESS? PLEASE UPDATE ON REVERSE SIDE. OFFICE COPY Target National Bank. an affiliate of large( Stores NOTICE: SEE REVERSE SIE. FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL. BANK IlH 11111 iI IIIA lI 111 11111 III 111 Account Number XXXX-X.XXX-XXXX-2686 New Balance $85.19 Minimum Payment Due $52.88 Payment Due Date January 22, 2009 �r�r�n�r�rti+t+r�rir�r�rr��rern��rur���rrr�nr�Ei TARGET NATIONAL BANK P.O. BOX 59317 MINNEAPOLIS, MN 55459-0317 ilt1rir,iiiiiiui1rtriiirriliarilr1r11irri11tiririi11ririiri1 TRAVIS W SMITH 175 WHISKEY RUN RD NF\M/It I 'F PA 17741-RRn1 Amount Enclosed TARGET, Account Number: XXXX-XXXX-XXXX-2686 Account Identifcaton Number: 00017157428 TRAVIS W SMITH 11 )0000 Statement Closing Date: December2�, 2008 Page 2 of 2 Finance Charges Days in Billing Period: 30 Balance Type Purchases Cash | Corresponding AveragePeriodicTransaction Daily Annual Daily FINANCE FINANCE Periodic Rate Percentage Rate Balance CHARGE CHARGE 0,05202m 18ee% $3.334.10 $51.88 $0.00 0u6846% 2499% $0.00 $0.00 $0,00 Total FtNANCE CHARGES: $51.88 Actual ANNUAL PERCENTAGE RATE 18.99% Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary. There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed. TARGET Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number; 00017157428 TRAVIS W SMITH Target Visa Credit Card Total Credit Limit Cash Limit Available Credit Portion Available for Cash Account Summary $7,000 $3,500 $7,000 $3,500 The Cash Limit is a portion of the Total Credit Limit Questions? Go online or call us: Manage My REDcard Target.comiredcard Target Credit Services 1-888-755-5856 TDD/TDY 1-800-347-5842 Outside the U.S, 11 -61 2-307-8622 (Call Collect) Calling will not preserve your hitting -error rights 11 11 11 11 11 11 11/ Statement Closing Date: January 28, 2009 Page 1 of 2 Previous Balance Payments & Credits Purchases & Advances Other Charges FINANCE CHARGES New Balance $85.19 -85.19 0.00 0.00 0.00 $0.00 Minimum Payment Due $0.00 4/:4", ,trc;v•i':W,"Ck Your Ta Rewards Status Previous Balance Points Earned This Month 855 +0 New Target Rewards Balance 855 A sale day is -in your future! When you earn 1,000 points by shopping with your REDcard, you'll receive a 10% off day of shopping for the place you love to shop: Target. Subject to Target Rewards program rules. See store or Target.cornirewards for details. Enroll in Take Charge of Education, & choose the eligible K - 12 school that you want to help. Schools use the money they receive from this program to buy what students need. subject to Take Charge of Education program rules. See store or Target.cornitcoe for details, Enroll in Target Pharmacy Rewards. Then, fill just 10 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 10% off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Targel.corn/pharmacy rewards for details. Payments & Credits Jan. 21 E -PAYMENT. TARGET.COM Total Payments & Credits -$85.19 -$85,19 Target National Rank. an atallate OS Target Stoles TARGET, NEW PH ON E. H OME OR E-MAIL ADDRESS? PLEASE UPDATE ON REVERSE SIDE OFFICE COPY STATEMENT PAGE NOT PRINTED NOTICE: SEE REVERSE SIDE. FOR IMPORTANT INF OR MAT ION INCLUDE THIS PORTION WITH YOUR PAYMENT MACE PAYABLE. TO TARGET NATIONAL BANK 11 fi Illl 111 111111.11111111111111111,111,w11ltsullInfliiiIIII TARGET NATIONAL BANK P.O. BOX 59317 MINNEAPOLIS, MN 55459-0317 TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE, PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 New Balance Minimum Payment Due Payment Due Date Amount Enclosed $0.00 $0.00 February 22. 2009 TARGET. Account Number Account tdentification Number: 00017157428 TRAVIS VySMITH Finance Charges Days in Billing Period: 31 Balance Type Purchases Cash 11 11 11 Statement Closing Date: January 28, 2009 Page 2nf2 Corresponding Average Periodic Transaction Daily Annual Daily FINANCE FINANCE Periodic Rate Percentage Rate Balance CHARGE CHARGE 0.0*928% /7,99u $0.00 $0.00 $0.00 0.06572% 23.99% $O.00 Woo 80.0o Total FINANCE CHARGES: $0.00 Actual ANNUAL PERCENTAGE RATE: Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary. There is a minimum- FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed. Special Announcements and Exclusive Offers Save paper, save trees; save time: Manage your REDcard onhne. Did you know you can save paper by signing up to get your REDcard statement online? To stop your paper statements, visit Target.Com/redcard and sign up with "Manage My REDcard." With online REDcard access, you can pay your bill, sei up automatic monthly payments, review your rewards status and check your account activity with just a few clicks. Sign up today! TARGET, 11 11 11 11 00000, 11 11 11 Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: October 28, 2009 TRAVIS W SMITH Page 1 of 2 Target Visa Credit Card Account Summary Total Credit Limit Cash Limit Available Credit $5,500 $0 $5,378 Portion Available for Cash $0 The Cash Limit is a portion of the Total Credit Limit Questions? Go online or call us: Manage My REDcard Target.comiredcard Target Credit Services 1-888-755-5856 TOD/TDY 1-800-347-5842 Outside the U.S. 11-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Your Target Rewards Status 1 I 1 Previous Balance Points Earned This Month 855 +122 New Target Rewards Balance, 977 A sale day is in your future! When you earn 1,000 points by shopping with your REDcard, you'll receive a 10% off day of shopping for the place you love to shop: Target. Subject to Target Rewards program rules, See store or Targelcom/rewards for details. Previous Balance Payments & Credits Purchases & Advances Other Charges FINANCE CHARGES New Balance $0,00 0,00 121 21 0,00 0.00 $121.21 Minimum Payment Due $10.00 Payment Due Date Enroll in Take Charge of Education, & choose the eligible K - 12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Target.com/tcoe for details. Payments & Credits No payments or credits were received last month. TARGET1 EW PHONE. HOME OR -MAIL ADDRESS? LEASE UPDATE ON EVERSE SIDE. )FFICE COPY Target National Bank, an affiliate of Target Stores November 22, 2009 I Enroll in Target Pharmacy Rewards. Then, fill just 10 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 10% off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Target.cornipharmacy rewards for details, NOTICE: NEC REVERSE SIDE FOR IMPORTANT INFORMATION 1 INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK On I JI lJI 111111 Account Number XXXX-XXXX-XXXX-2686 New Balance $121.21 Minimum Payment Due $10.00 Payment Due Date November 22, 2009 • 11111111111111tiltidilthillt$111111milltitittelli TARGET NATIONAL BANK P.O. BOX 59317 MINNEAPOLIS, MN 55459-0317 11111111111#1•1111141111111111111,11111111141111ilmililli1d TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE, PA 17241-8601 Amount Enclosed TARGET, 11 11 11 11 "C0000 11 11 II Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: October 28, 2009 TRAVIS W SMITH Page 2 of 2 Purchases Oct 6 TARGET 00020990 Oct 8 TARGET 00020990 Finance Charges Days in Billing Period: 30 Balance Type Purchases Cash CARLISLE, PA CARLISLE, PA Sub -total Purchases Total Purchases & Advances $110 10 1111 $121.21 $121,21 Corresponding Average Periodic Transaction Daily Annual Daily FINANCE FINANCE Periodic Rale Percentage Rate Balance CHARGE CHARGE 0.05476% 19.99% $0.00 $0.00 $0.00 0.07120% 25.99% $0.00 $0,00 $0.00 Total FINANCE CHARGES: $0.00 Actual ANNUAL PERCENTAGE RATE: 0.00% Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary. There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed. Special Announcements and Exclusive Offers Give more joy with Target GiftCards and GiftCoins. New Target GiftCoins are a nifty way to be gifty: a set of five $5 coins to spend at Target ($25 total value). When you purchase any GiftCoin package between 11/1/09 and 12/24/09. Target will donate $2 to St. Jude Children's Research Hospital, And don't miss this season's GiftCards, they deliver extra fun at no extra charge. They're a treat to get and a joy to spend at Target. Terms and conditions apply to GiftCards, V50,000 maximum donation. TARGET, 11 11 11 11 )0000* 11 11 Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: November 28, 2009 TRAVIS W SMITH Page 1 of 2 Target Visa Credit Card Account Summary Total Credit Limit $5,500 Cash Limit $0 Available Credit . $5,173 Portion Available for Cash $0 The Cash Limit is a portion of the Total Credit Limit Questions? Go online or call us: Manage My REDcard Targetcom/redcard Target Credit Services 1-888-755-5856 TDD/TDY 1-800-347-5842 Outside the U.S. 1-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Previous Balance Payments & Credits Purchases & Advances Other Charges FINANCE CHARGES New Balance $121.21 -10.00 210.73 0.00 4.24 $326.18 Minimum Payment Due $10.00 Payment Due Date December 23, 2009 Important Messages Notice of Important Changes to Your Account Like many credit card issuers in this challenging environment, we are making changes to your REDcard credit account. The enclosed notice outlines the details of these changes and what it all means to you. The deadline to contact us to opt out of these changes is 1/28/10. These changes will be effective 1/29/10. Your Target Rewards Status Om* 1 1 1 1 1 1 1 Previous Balance 977 Points Earned This Month +151 Awarded This Billing Period -1000 New Target Rewards Balance 128 IEW PHONE. HOME OR -MAIL ADDRESS? LEASE UPDATE ON EVE RSE SIDE. )FFICE COPY Enroll in Take Charge of Education, & help students at the K - 12 school of your choice. Subject to Take Charge of Education program iules. See store or Target.comitcoe for details. Target National Bank, an affiliate of 'target Stores Enroll in Target Pharmacy Rewards, fill 10 prescriptions with your REDcard at Target; to earn a 10% off sale day at Target. Subject to Target Pharmacy Rewards program rules. See store or Target.cornipharmacy rewards for details. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE PORTION WITH YOUR PAYMENT MADE. PAYABLE TO TARGET NATIONAL BANK 11 llII II 111 1101[11N TARGET NATIONAL BANK P.O. BOX 59317 MINNEAPOLIS, MN 55459-0317 TRAVIS W SMITH 175 WHISKEY RUN RD NEVVVILLE, PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 New Balance $326.18 Minimum Payment Due $10.00 Payment Due Date December 23, 2009 Amount Enclosed TARGET, Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 TRAVIS W SMITH Payments & Credits Nov. 20 E -PAYMENT, TARGET.COM Purchases Oct. 31 BORDERS BKS&MU01004555 Nov. 8 TARGET 00020990 Nov. 10 TARGET 00022418 Nov. 13 BORDERS BKS&MU01004555 Nov. 16 TARGET 00020990 Nov. 17 SUBWAY 00459875 Nov. 20 VVM SUPERCENTER Finance Charges Days in Billing Period: 31 Balance Type Purchases Cash Corresponding Daily Annual Periodic Rate Percentage Rate 0,05476% 19.99% 0.07120% 25.99% 11 11 11 11 '00000' 11 11 11 Statement Closing Date: November 28, 2009 Page 2 of 2 Total Payments & Credits CAMP HILL, PA CARLISLE, PA CHAMBER SBURG, PA CAMP HILL. PA CARLISLE, PA CARLISLE, PA SHIPPENSBURG, PA Sub -total Purchases Total Purchases & Advances 410.00 -$10 00 $63.59 27.48 24.36 14.30 36.41 8.48 36,11 $210.73 $210.73 Average Periodic Transaction Daily FINANCE FINANCE Balance CHARGE CHARGE $249.49 $4.24 $0.00 $0.00 $0.00 $0,00 Total FINANCE CHARGES: $4.24 Actual ANNUAL. PERCENTAGE RATE: 19.99% Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary. There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed. Special Announcements and Exclusive Offers Grab all your holiday must -haves. Earn 10% off* in no time. Did you know you're close to a 10% off day at Target? Use your REDcardsm for holiday shopping and you can earn 10% savings to make the new year even happier. Come in for stylish creations — from ornaments to decor by designer Marcel VVanders, and shop for everything else on your holiday wish list. For your current -ewards points total, see page 1 of your statement. 'Subject to Target Rewards program rules, See stole or Targel.comirewards for details, TARGET Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 TRAVIS W SMITH Target Visa Credit Card Account Summary Total Credit Limit $5,500 Cash Limit $0 Available Credit $5,500 Portion Available for Cash $0 The Cash Limit is a portion of the Total Credit Limit Questions? Go online or call us: Manage My REDcard Target.com/redcard Target Credit Services 1-888-755-5856 TDD/TDY 1-800-347-5842 Outside the U.S. 1-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Your Target Rewards Status ISI I I I 1 I 1 I I Previous Balance Points Earned This Month 128 +0 New Target Rewards Balance 128 You're on your way to savings! Keep accumulating points toward a 10% off day of shopping at Target. Earn 1,000 points, and you'll have a 10% off sale day with your name on it. Subject to Target Rewards progiarn rules. See store or Target.com/rewards for details. Payments & Credits Dec. 15 E -PAYMENT, TARGET.COM TARGET, ' EW PHONE. HOME OR E-MAIL ADDRESS? ',LEASE UPDATE ON iEVERSE SIDE. OFFICE COPY 11 ism '00000= Statement Closing Date: December 28, 2009 Page 1 of 2 Previous Balance Payments & Credits Purchases & Advances Other Charges FINANCE CHARGES New Balance $326.18 -326.18 0.00 0.00 0.00 $0.00 Minimum Payment Due $0.00 Enroll in Take Charge of Education, & choose the eligible K - 12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Target.corn/tcoe tor details. Enroll in Target Pharmacy Rewards. Then, fill just 10 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 10% off shopping day at Target. Subject to Target Pharmacy Rewards program rides. See store or Target.comipharmacy rewards for details. -$326.18 Tot& Payments & Credits 4326.18 Target National Bank. as affiliate of Target Stores NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION rTATEMENT PAGE NOT PRINTED INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK ILII 11 IIIIIIIVNI1IIII1 IIIIl IU liiliI Account Number XXXX-XXXX-XXXX-2686 New Balance $0.00 Minimum Payment Due $0.00 Payment Due Date January 22, 2010 TARGET NATIONAL BANK P.O. BOX 59317 MINNEAPOLIS, MN 55459-0317 II,LI,.IIIIII.,,I1,1I..Il,I Il,t1.111.1,III,LII.I,III.,I.11.1 TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE, PA 17241-8601 Amount Enclosed TARGET:. Account Number: XXXX-XXXX-XXXX-2686 Account Jdentification Number: 00017167428 TRAVIS W SMITH Finance Char Days in Billing Period: 30 Balance Type Purchases Cash Corresponding Daily Annual Periodic Rate Percentage Rate 0.05476% 19.99% 0.07120% 25,99% 11 11 11 10 Statement Closing Dater December 28, 2009 Page 2 of 2 Average Periodic Transaction Daily FINANCE FINANCE Balance CHARGE CHARGE $0.00 $0.00 *m.uo 80.00 $0.00 $0.00 Total FINANCE CHARGES: $0.00 Actuai ANNUAL PERCENTAGE RATE: 0.00% Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary. There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed. TARGET Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 TRAVIS W SMITH Target Visa Credit Card Account Summary Total Credit Limit Cash Limit Available Credit Portion Available for Cash $5,500 $0 $5,404 $0 The Cash Limit is a portion of the Total Credit Limit Questions? Go online or call us: Manage My REDcard Target.com/redcard Target Credit Services 1-888-755-5856 TDD/TDY 1-800-347-5842 Outside the U.S. 1-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Your Target Rewards Status 111111 1 1 1 1 Previous Balance 128 Points Earned This Month 496 New Target Rewards Balance 224 You're on your way to savings! Keep accumulating points toward a 10% off day of shopping at Target. Earn 1,000 points, and you'll have a 10% off sale day with your name on it. Subject to Target Rewards program rules. See store or Target com/rewards for details; 11 11 11 11 00000 11 JI 11 Statement Closing Date: January 28, 2010 Page 1 of 2 Previous Balance Payments & Credits Purchases & Advances Other Charges FINANCE CHARGES New Balance $0.00 0,00 95.28 0.00 0.00 $95.28 Minimum Payment Due $10.00 Payment Due Date Enroll in Take Charge of Education, & choose the eligible K - 12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See alore or Target.comitcoe for details. Payments & Credits No payments or credits were received last month. TARGET ,IEW PHONE. HOME OR 1, -MAIL ADDRESS? 'LEASE UPDATE ON REVERSE SIDE. OFFICE COPY Target National Bank. an affiliate of Target Stores February 22, 2010 Enroll in Target Pharmacy Rewards. Then, fill just 10 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 10% off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Target.cornipharrnacy rewards for details. NOTR'.:E. SEE REVERSE SIDE, FOR IMPORTANT INFORMATION INCLUDE 1 HIS PORTION MTH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK Account Number XXXX-XXXX-XXXX-2686 JElJIIl New Balance $95.28 Minimum Payment Due $10.00 Payment Due Date February 22, 2010 14141111411111,111111111iillutuillioullIseillii111 TARGET NATIONAL BANK PD. BOX 59317 MINNEAPOLIS, MN 55459-0317 11$111111111111111111111111111111111111111Ilinsillilifildill TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE, PA 17241-8601 Amount Enclosed TARGET Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 TRAVIS W SMITH Purchases Jan 7 TARGET 00020990 Finance Charges Days in Billing Period: 31 Balance Type Purchases Cash 11 11 10000 11 11 11 Statement Closing Date: January 28, 2010 Page 2 of 2 CARLISLE, PA Sub -total Purchases Total Purchases & Advances $95.28 $95,28 $95,28 Corresponding Average Periodic Transaction Daily Annual Daily FINANCE FINANCE . Periodic Rate Percentage Rate Balance CHARGE CHARGE 0.05476% 19.99% $0,00 $0.00 $0.00 0.07120% 25.99% $0.00 $0.00 $0.00 Total FINANCE CHARGES: $0.00 Actual ANNUAL PERCENTAGE RATE: 0.00% Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary. There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed. Special Announcements and Exclusive Offers Free Dr. Seuss reading event in stores—one way Target supports education. Bring the kids to your local Target store on Saturday, Feb. 27, 2010, from 9-11 am for a Seuss Celebration! This family event includes a story and snack time, and is free for everyone. Target supports education. It's part of our commitment to giving 5% of our income to communities. That's $3 million every week, Speaking of education, do you know you could help your favorite school every time you use the REDcard? Enroll in Take Charge of Education and Target will donate up to 1% of your REDcard purchases to the eligible K-12 school of your choice.. Sign up for free and designate your school today at Target.comitcoe. If you're already enrolled, keep using your REDcard and watch the money add up for a school you care about. 'Subject to Take Charge of Education program rules. See Target.comitcoe or call 1-800-316-5142 for derails. TARGET A 11 11 11 OOOOC^ 11 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: February 28, 2010 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged Interest Charged $95.28 -$10.00 +$388.52 +$0.00 +$0.00 +46.82 New Balance $480.62 Total Credit Limit $5,500.00 Cash Limit $0.00 Available Credit $5,019.38 Portion Available for Cash $0.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 2'28/2010 Days in Billing Cycle 31 For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target Credit Services TDD/TDY Outside the U.S. Target.com/redcard 1-888-755-5856 1-800-347-5842 1L612-307-8622 (Call Collect) Calling will not preserve your billing -error rights New Balance Minimum Payment Due Payment Due Date $480.62 $12.00 3/25/2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above. you may have to pay up to a $39.00 late fee. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: tl;w It }'racy ofi the "POO tateme using this cath; -eactt rponth your Only the minimum Payment 8 years $961 $19 3 years $684 (Savings=$277) f you would like information about credit counseling services, call 1-800-991-8433. Transactions Trans Date Description of Transaction or Credit Location Amount Jan. 30 STAPLES 00108704 iti>nsiA PAYMENTS AND OTHER CREDITS FOR THIS PERIOD CARLISLE, PA 57.64 (transactions continued on next page) YEW PHONE. HOME OR -MAR ADDRESS, LEASE UPDATE ON tEVERSE SIDE. OFFICE COPY Target National Bank. an andiale or Target Stores NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGE ItII Jil! 11111111! 11! 111 11111 !II!I NATIONAL RANK Account Number XXXX-XXXX-XXXX-2686 New Balance Minimum Payment Due Payment Due Date IaIiInitlttlttltltltI,IuIl ILIt1IIIIttllt,lll TARGET NATIONAL BANK P.O. BOX 59317 MINNEAPOLIS, MN 55459-0317 111111IIIIIIIIttltlltllttlllttlltl,llllttlltulllttlltllttlltll TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE, PA 17241-8601 Amount Enclosed $480.62 $12.00 March 25, 2010 r• TARGET, 11 11 11 11 0000C' 11 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Dale: February 28, 2010 TRAVIS W SMITH Page 2 of 2 Transactions (cont) Trans Date Description of Transaction or Credit Purchaes And Other Jan. 30 BORDERS BKS&MU01004555 Jan. 30 BORDERS BKS&MU01004555 Feb. 5 TARGET 00020990 Feb. 7 LOWES #01710' Feb. 7 TARGET 00020990 Feb, 8 WM SUPERCENTER Feb. 8 WENDYS5105 C25 Feb. 9 WVVVV.ADVANCEAUTOPARTS.0 Feb. 10 SHEETZ 00002634 Feb. 10 NEWVILLE FEED & HARDWARE Feb. 18 FARRELL VETER1NRY CLINIC Location Amount CAMP HILL, PA CAMP HILL, PA CARLISLE. PA CARLISLE, PA CARLISLE, PA SHIPPENSBURG, PA SHIPPENSBURG, PA 877-2382623, VA CARLISLE, PA NEWVILLE, PA NEWVILLE, PA I • - $21.29 $21.19 $31.79 $13.75 $10.68 $24.00 $12.70 $67.83 $4.45 $14.30 $108.90 TOTAL PURCHASES AND OTHER DEBITS FOR THIS PERIOD $388.52 Interes • •••:-,,illi;. , , INTEREST CHARGE -PURCHASES $6.82 TOTAL INTEREST CHARGED FOR THIS PERIOD $6.82 ;2010 TotaI Vear to Date • !• • Total fees charged in 2010 Total interest charged in 2010 $0,00 $6.82 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account, • atig • / Purchases Cash Advances (v) = Variable Rate itilat.O.f,erstii.0411, #'• 23.24% (v) 27.24% (v) iinteilettga $345.50 $0.00 There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. knyeje- $6.82 $0.00 Benefits Summary Your Target Rewards Status Oalommoi• 11 i ft Previous Balance 224 Points Earned This Month +217 New Target Rewards Balance 441 You're on your way to savings! Keep accumulating points toward a 10% off day of shopping at Target. Earn 1,000 points, and you'll have a 10% off sale day with your name on it. Enroll in Take Charge of Education, & choose the eligible K - 12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Educalion program rules. See store or Targel.com/lcoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 10 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 10% off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Tatgel.comipharmacy rewaids 107 details. TARGETS 11 11 11 n 0000) u 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: March 28, 2010 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged Interest Charged $480.62 -$12.00 +$99.90 +$0.00 +$39.00 +$9.23 New Balance $615.75 Total Credit Limit $5,500.00 Cash Limit $0.00 Available Credit $4.883.25 Portion Available for Cash $0.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 3/28/2010 Days in Billing Cycle 28 For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target Credit Services TDD/TDY Outside the U.S. Target.comiredcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) Calling will nor preserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date $616.75 $55.00 4125/2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $39.00 late fee. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and ii will take you longer to pay off your balance. For example: r ou,make ditrt nal c h usin eachy',m©n cardi You Only the minimum Payment f you would like information about credit counseling services, call 1-800-991-8433. Transactions Trans Date Description of Transaction or Credit Mar. 26 E -PAYMENT, TARGET.COM Mar. 21 WEIS MARKETS #38 SH Location TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD d Offish Deb SHIPPENSBURG, PA Amount X4-$12,00 412.00 $82.21 (transactions continued on next page) TARGETe JEW PHONE. HOME OR -MAIL ADDRESS' 'LEASE UPDATE ON 2EVERSE SIDE. DFFICE COPY Target NahcNtel Rank. en affiliate of Target Stores NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE. THIS PORTION WITH YOUR PAYMENT MADE PAYAELE TO TARGET NATIONAL CAF < 11111 !I!! lIIIIIJI hIINI1NIB Account Number XXXX-XXXX-XXXX-2686 New Balance Minimum Payment Due Payment Due Date I�I�I�JI$IuuI lIIuI,II,��l I IIfp«III,lplitillI TARGET NATIONAL BANK P,0. BOX 59317 MINNEAPOLIS, MN 55459-0317 II'IIIuuIIIII'II,IIIIuIIIIIII1III„IsIII11hIIII1.1mIIIIIII,I TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE, PA 17241-8601 Amount Enclosed $616.75 $55.00 April 25, 2010 TARGET§ A '00000' Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date TRAVIS W SMITH Page 2 of 2 N A November 28, 2010 Transactions (cont) Trans Date Description of Transaction or Credit Nov. 4 CENTURYLINK ' WEB CRS 888.723-8010, KS Nov. 15 WM SUPERCENTER SHIPPENSBURG, PA Nov. 15 GIANT FUEL #61 SHIPPENBURG. PA TOTAL PURCHASES AND OTHER DEBITS FOR THIS PERIOD Location INTEREST CHANGE -PURCHASES TOTAL INTEREST CHARGED FOR THIS PERIOD 10 Totals ,Tea Total fees charged in 2010 Total interest charged in 2010 $39.00 $213.08 Amount $122.25 $83.74 $30.50 $236.49 $38.80 $38.80 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. "atanse5ub e a; nter test Rat: $1,965.74 ,o Wan Purchases Cash Advances (v) = Variable Rate There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. 23.24% (v) 27.24% (v) to (A $0.00 $38.80 $0.00 Benefits Summary The REDcard saves you 5% off our already low prices at Target stores and at Target.com. Use your REDcard today and every day and enjoy savings on almost anyth ng at Target. Some exclusions apply. See program rules in your Target store for details. Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Target.com/tcoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% -off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Target.com/pharmacy rewards for details. Special Announcements and Exclusive Offers Use your REDcards, save 5% at Target - every day. Your REDcard has a big new benefit: Now it saves you 5% at Target, on almost anything you want, any time you shop. Just use your card to make our already low prices that much lower. See the program rules in store for restrictions. TARGET. 11 A 11 11 '00001 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: March 28, 2010 TRAVIS W SMITH Page 2 of 2 Trans Date Description of Transaction or Credit TOTAL INTEREST CHARGED FOR THIS PERIOD l0 Tot:ills'Year�tc bite Total fees charged in 2010 Total interest charged in 2010 In eyes Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate an your account. Purchases Cash Advances Pita 23.24% (v) 27.24% (v) (v) = Variable Rate There is a Minimum Charge of $1.00 for any billing period in $517.67 $0.00 ich an interest char e is imposed. $9.23 $0.00 Benefits Summary Your Target Rewards Status oinionsmo 1 1 i f I 1 Previous Balance 441 Points Earned This Month ! +50 New Target Rewards Balance 491 You're on your way to savings! Keep accumulating points toward a 10% off day of shopping,at Target. Earn 1,000 points, and you'll have a 10% off sale day with your name on it Subject to Target Rewards program riles. See store or Targeicom/rewards for, details. Enroll in Take Charge of Education, & choose the eligible K - 12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Targel.corn/Icoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 10 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 10% off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Tar get.corrx/pharmocy rewards for details. TARGET. 0 11 11 •00©00* u u u Target VisaCredit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: April 28, 2010 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged Interest Charged $616.75 -$55.00 +$144.70 +$0.00 +$0.00 +$12.60 New Balance Total Credit Limit Cash Limit Available Credit Portion Available for Cash The Cash Limit is a portion o Statement Closing Date Days in Billing Cycle e Total Credit Limit $719.05 $5,500.00 $0.00 $4.780.95 $0.00 4;28/2010 31 For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target Credit Services TDD/TDY Outside the U.S. Target.com/redcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Payment Information New Balance $719.05 Minimum Payment Due $20.00 Payment Due Date 5/25/2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $39.00 late fee, Minimum Payment Warning: If you make only the minimum payment each period, you will pay more M interest and it will take you longer to pay off your balance. For example: If '0,0'.make ttb dditronal t hargs 00::#A.,s card and each month otf kray You'w ll tray off lthe belanbe shorn ptt this $tote wttt rh i bout n Arid you `t" d utayrn '± ,` i an stimated c z tot l �' Only the minimum Payment 11 years $1,643 $28 3 years $1,008 (Savings=$635) f you would like information about credit counseling services, call 1-800-991-8433. Transactions Trans Date Description of Transaction or Credit Apr. 19 E -PAYMENT, TARGET OM Location Amount 55.00 TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD -$55.00 Mar. 28 LOWES #01710" $6.34 (transactions continued on next page) TARGET) JE W PHONE. HOME OR :-MAIL ADDRESS? 'LEASE UPDATE ON 7EVERSE SIDE. OFFICE COPY Target National Bank. an affiliated Target Sines NOTICE SEE REVERSE SIDE FOR fMPORTANT INFORMATION NCt.UDE THtSPORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK 111111111111111111111111111111111 Account Number XXXX-XXXX-XXXX-2686 New Balance Minimum Payment Due Payment Due Date I,I,I„I,I�,I„I,III,I,I„II I I�,u,III„,I„uII I TARGET NATIONAL BANK P.O. BOX 59317 MINNEAPOLIS, MN 55459-0317 ll,i,1„Illl1„11.1.1,lll,lll„ 1,I1„I,l1,1,111II„III„I,I,II TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE, PA 17241-8601 Amount Enclosed $719.05 $20.00 May 25, 2010 • TARGET« 11 11 11 11 0000C • JI 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: April 28, 2010 TRAVIS W SMITH Page 2 of 2 Transactions (cont.) Trans Date Description of TransactionorCreditLocation Amount • Apr. 21 TARGET 00020990 Apr. 21 Apr. 22 Apr, 22 Apr, 25 Apr. 27 SHEETZ 00004267 SAYLORS. ADAM J BURICK DO WM SUPERCENTER TARGET 00020990 TOTAL PURCHASES AND OTHER DEBITS FOR THIS PERIOD ' R*(hRip;:!ffintC5Ogifi:Ng INTEREST CHARGE -PURCHASES CARLISLE, PA $19.76 $31.00 $4.77 $35.00 $26.19 CARLISLE, PA $21.64 144.70 CARLISLE, PA NEWVIULLE, PA CARLISLE, PA SHIPPENSBURG, PA TOTAL INTEREST CHARGED FOR THIS PERIOD 2010 Ttitoi*:',Y0Aritei,14bot6i.Li.0.2:,,mip,i,... Total fees charged in 2010 Total interest charged in 2010 $39.00 $28.65 $12.60 ' $12,60 InterestCharge Calculation Your Annual Percentage Rate (APR) is the annual Interest rate on your account. T1100.',ofZajon-c, Annual oRatO Purchases Cash Advances (v) = Variable Rate There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. 23,24% (v) 27,24% (v) 000'00 hterettilate,f.:4V;W: $638 19 $0 00 $12.60 $0.00 Benefits Summary Your Target Rewards Status Previous Balance Points Earned This Month 491 +94 New Target Rewards Balance 585 A sale day is in your future! When you earn 1,000 points by shopping with your REDcard, you'll receive a 10% off day of shopping for the place you love to shop: Target. Subject to Target Rewards program rules. See store of Target.00mfrewards for details. Enroll in Take Charge of Education, & choose the eligible K - 12 school that you want to help, Schools use the money they receive from this program to buy what students need. Subject M Take Charge of Education program rules. See store or Target.cornitcoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 10 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 10% off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See stoe e or Target.comipharmacy rewards for details. TARGETA 11 11 11 11 *0000D* 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: May 28, 2010 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged Interest Charged $719.05 -120.00 +$235.94 +$0.00 +$0.00 +316.47 New Balance $951.46 Total Credit Limit $5,500.00 Cash Limit $0.00 Available Credit $4,548.54 Portion Available for Cash $0.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 5/28/2010 Days in Billing Cycle 30 For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target Credit Services TDD/TDY Outside the U.S. Target.com/redcard 1-888.755.5856 1-800-347-5842 1-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date Late Payment Warning, payment by the date listed $39.00 late fee. Minimum Payment Warning: payment each period, you you longer to pay off your $951.46 $26.00 6/25/2010 11 we do not receive your minimum above, you may have to pay up to a If you make only the minimum will pay more in interest and it will take balance. For example: Pf you make tto addttronat using thls cardaitd each itaonth you t>4Y s ; You wih! l ay nil ltt 'thts st tement yttt about + r§d yr wltl yipg Ott esttmated''t;; total { Only the minimum Payment 13 years $2,312 $37 3 years $1, 332 (Savings=$980) f you would like information about credit counseling services, call 1-800-991-8433. Transactions Trans Date Description of Transaction or Credit Location Amount May 22 E -PAYMENT, TARGET COM Apr. 29 SHEETZ 00004267 TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD !Ut'�Gh ses:i CARLISLE, PA -120.00 -120.00 $20.00 (transactions continued on next page) 7E I PHONE, HOME OR i -MAIL ADDRESS? 'LEASE UPDATE ON '.E VERSE SIDE. OFFICE COPY Target National Bank. an affiliate of Target Stores NOME. SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK 11111111101111111 111111 11111 11111 Account Number XXXX-XXXX-XXXX-2686 New Balance Minimum Payment Due Payment Due Date 11IJIIIII,tIIIII1IIIIIIIIIIIIIIIIIIIIIJII IIIIIIIIII TARGET NATIONAL BANK P.O. BOX 59317 MINNEAPOLIS, MN 55459-0317 IIIIIIIll IIIIIIIIIIIIIIIIIIIIuI IIIIIIIIIIIIIItllttllttlltltl II TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE, PA 17241-8601 Amount Enclosed $951.46 $26.00 June 25, 2010 • TARGET; 11 11 11 11 11 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: May 28. 2010 TRAVIS W SMITH Page 2 of 2 Transactions (cont.) Trans Date Description of Transaction or Credit MiNENHOMMIlgaliggintE00*" May 5 BORDERS.COM May 6 SHEETZ 00004267 May 8 HESS 38358 May 10 WM SUPERCENTER May 13 TARGET 00022418 May 13 TARGET 00022418 May 15 CVS PHARMACY #1642 Q03 May 23 WENDYS5105 Q25 May 24 WM SUPERCENTER May 25 WMSUPERCENTER May 27 WM SUPERCENTER Location Amount '710:000***),NOMESIMBIginit •-•••• •• • . • , • 800-770-7811, MI $54.69 CARLISLE, PA $20.00 CARLISLE, PA $34.50 SHIPPENSBURG, PA $14.39 CHAMBERSBURG, PA $3.39 CHAMBERSBURG, PA $29.66 WAYNESBORO, PA $4.79 SHiPPENSBURG, PA $12.91 SHIPPENSBURG. PA SHIPPENSBURG, PA SHIPPENSBURG, PA TOTAL PURCHASES AND OTHER DEBITS FOR THIS PERIOD $15.88 $13.30 $12.43 $235.94 .......................................................................................................................................................... .. .... . INTEREST CHARGE -PURCHASES $16.47 TOTAL INTEREST CHARGED FOR THIS PERIOD $16.47 0.4ritai Total fees charged in 2010 Total interest charged in 2010 $39.00 $45,12 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type ot Balance Purchases Cash Advances (v) Variable Rate Annual Percentage Rate APR) 23.24% (v) 27,24% (v} There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed, Benefits Summary Your Target Rewards Status 1 1 1 1 1 1 1 1 1 Previous Balance 555 Points Earned This Month +136 New Target Rewards Balance 721 A sale day is in your future! When you earn 1,000 points by shopping with your REDcard, you'll receive a 10% off day of shopping for the place you love to shop: Target. Subject to Target Rewards program rules. See Enroll in Take Charge of Education, & choose the eligible K - 12 school that you want to help. Schools use the money they receive from this program to buy what students need. suboci to Take Charge ot Education program rules. See store or Tar get.c,ornitcoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 10 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 10% off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Target.com/pharmacy rewards for details. TARGET b q q 11 b Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: June 28, 2010 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged Interest Charged $951.46 -$26.00 +$15.50 +$0.00 +$0,00 +319.19 New Balance Total Credit Limit Cash Limit Available Credit Portion Available for Cash The Cash Limit is a portion of the Total Credit Li Statement Closing Date Days in Billing Cycle $960.15 $5,500.00 $0.00 $4,539.85 $0.00 6128!2010 31 For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target Credit Services TDDITDY Outside the U.S. Target.comiredcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) Calling will not preserve your bi ling -error rights Payment Information New Balance Minimum Payment Due Payment Due Date $960.15 $29.00 7/25/2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $39.00 late fee. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance, For example: if you make rrr Yotl adciltrirrfal aytes usin t11r car 1 #tt1Cf eactt month you day, WI ll pay .tt% balant±hrlwr3n ` #tls st ftellt rtit bout f s? " Artd tau;wd i an esti ated ify} ftltal f' I Only the minimum Payment 13 years $2,332 $37 3 years $1'332 (Savings=$1,000) f you would like information about credit counseling services, call 1-800-991-8433. Important Messages Important Notification This notice is to inform you that we are required by law to adjust the day on which we review the Prime Rate to determine your APRs, This change means we will no longer review the Prime Rate on two different days and use the higher of those two Prime Rates to determine your APRs. Instead we will review the Prime Rate on one specific day of the month. Effective immediately, for each billing period the Prime Rate used to determine your APRs is the highest U.S. Prime Rate published in the "Money Rates" section of The Wall Street Journal on the last business day of the previous month. Any change in your APRs will take effect on the first day of the billing period. NEW PHONE. HOME OR E -MAUL .ADDRESS? PLEASE UPDA.TE ON REVERSE BIDE. OFFICE COPY Targe! National Bank. an affiliate, or Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL. BANK Account Number XXXX-XXXX-XXXX-2686 lilE 1111 111111111 111 111 1111111111 111,11111111111 I I,IiI11f 111.111 FII 11!1III1111111111 New Balance Minimum Payment Due Payment Due Date TARGET NATIONAL BANK P.O. BOX 59317 MINNEAPOLIS, MN 55459-0317 II1I1I1.I1111I11IIILII II.II1111.1.II11II11II II,II,11I I11II111 TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE, PA 17241-8601 Amount Enclosed $960.15 $29,00 July 25, 2010 TARGETf 11 11 11 *00000' 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: June 28, 2010 TRAVIS W SMITH Page 2 of 2 Transactions Trans Date Description of Transaction or Credit Jun. 24 E -PAYMENT, TARGET.COM .................. May 27 Location ....................... Amount • 426.00 TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD 426.00 • SMART STYLE SHPPENSBURG PA $15,50 TOTAL PURCHASES AND OTHER DEBITS FOR THIS PERIOD $15,50 qtf#f. • $$16:1 9 19 19 ........................ ...... ........................................................................ INTEREST CHARGE -PURCHASES TOTAL INTEREST CHARGED FOR THIS PERIOD ...................... Total fees charged in 2010 Total interest charged in 2010 $39.00 $54.31 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Purchases Cash Advances (v) Variable Rate , ,a erteitta- eAat 23.24% (v) 27.24% (v) There is a Minimum Charge of $1,00 for any b Ralance Subject Interest $972.05 $0.00 ing period in which an interest charge is imposed. r $19 19 $0.00 Benefits Summary Your Target Rewards! Status 1 t 1 1 1 1 1 1 1 1 1 Previous Balance Points Earned This Month 721 +8 New Target Rewards Balance 729 A sale day is in your future! When you earn 1,000 points by shOpping with your REDcard, you'll receive a 10% off day of shopping for the place you love to shop: Target. Subject to Target Rewards program rules, See SiOfill Targel.corn/rewards for details. Enroll in Take Charge of Education, & choose the eligible K - 12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rutes. See store or Targel.com/tcoe for details. Enroll In Target Pharmacy Rewards. Then, fill just 10 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 10% off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Target.corn/pharmacy rewards for details. TARGET* 11 11 If 00000' 11 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: July 28, 2010 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged Interest Charged 5960.15 -529.00 +5,0.00 +$0.00 +$0.00 +$18.40 New Balance 5949,55 Total Credit Limit 55,500.00 Cash Limit 50.00 Available Credit $4,550.45 Portion Available for Cash 50.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 7/28/2010 Days in Billing Cycle 30 For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target.com/redcard Target Credit Services 1-888-755-5856 TDD/TDY 1-800-347-5842 Outside the U.S. 1-612-307-8622 (Cali Collect) Calling will not preserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date Late Payment Warning: payment by the date listed $39.00 late fee. Minimum Payment Warning: payment each period, you you longer to pay off your 5949.55 $28.00 8/25/2010 If we do not receive your minimum above, you may have to pay up to a If you make only the minimum will pay more in interest and it will take balance. For example: ...,;,•;:!ii.:.::..,.f.1 ,..'9..91:044410.410A:Am 010041.#.:000itt*W:*****#0('IL;''. 40,.104.#4,.#:..0#0;00.0,:.ig 000M1'079004000:i0;,..iff:'..::,Niotiti60;;:igl;.-44 '..,,,,,,,i,i,•,:::.:,,,,,,,,,4,4,,:,,,,,,,,,,,m.-mvP.4,:v,:,,,,A,,.,,,,,,e.m,..,„,.;,,git. ......'!.:"I'ia:•6;•k:q51 :iY94!8*11:#4y.i9lt, the iNINk:4#00.:§00kg And gi.:,.::,,,T,I., ... 9 :- ., P0', i r , Only the minimum Payment 13 years $2,303 537 3 years $1,332 (Savings=1971) f you would like information about credit counseling services, call 1-800-991-8433. Transactions Trans Date Description of Transaction or Credit Location Amount , Jul, 23 E -PAYMENT, TARGETCOM -529.00 TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD -529.00 (transactions continued on next page) TARGET, JEW PHONE, HOME OR ADDRESS? 'LEASE UPDATE ON lEVERSE SIDE. )FFICE COPY Target fintionai Eianie. An affiliate of Target Ste s NOTICE: SEE REVERSE SIDE FOR IMPORTANT teiFORMATION INCLUDE THIS PORT ion WITH YOUR PAYMENT MADE. PAYABLE TO TARGET NAPONAL BANK 1111111111111111111111111111111111 Account Number XXXX-XXXX-XXXX-2686 New Balance $949.55 Minimum Payment Due $28.00 Payment Due Date August 25, 2010 TARGET NATIONAL BANK P.O. BOX 59317 MINNEAPOLIS, MN 55459-0317 11,11,1111111111111111111111111111111111111i1i181111111111.1111 TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE, PA 17241-8601 Amount Enclosed TARGET, 000©0' 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: July 28, 2010 TRAVIS W SMITH Page 2 of 2 Trans Date Description of Transaction or Credit INTEREST CHARGE -PURCHASES TOTAL INTEREST CHARGED FOR THIS PERIOD Total fees charged in 2010 Total interest charged in 2010 Your Annual Percentage Rate (APR) is the annual interest rate on your account. T'�++e'�a1at3c Purchases Cash Advances There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. Benefits Summary Your Target Rewards Status 1 1 1 1 1 1 Previous Balance Points Earned This Month 729 *0 New Target Rewards Balance 729 A sale day is in your future! When you earn 1,000 points by shopping with your REDcard, you'll receive a 10% off day of shopping for the place you love to shop: Target, Subject to Target Rewards program rules. See store or Target.com/rewards for details. Enroll in Take Charge of Education, & choose the eligible K - 12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Targel.com/icoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 10 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 10% off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Target.corn/pharmacy rewards for details. Special Announcements and Exclusive Offers Make this statement history: Manage your REDcardsm online. Managing your REDcard account online is an easy way to save time - and paper - each month. Simply click to pay your bill, check your balance or track your rewards 24/7. And switch to online -only REDcard statements for one less bill in your mailbox, To sign up, visit Target.com/redcard and log in to "Manage My REDcard," then select "Change Statement Delivery." 11 11 *00000* 11 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Dale: August 28, 2010 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged Interest Charged $949•55 42800 +$570 14 +$0,00 +$0.00 +$24.36 New Balance Total Credit Limit Cash Limit Available Credit Portion Available for Cash The Cash Limit is a portion of the Total Credit Limit Statement Closing Date Days in Billing Cycle $1,516.05 $5.500.00 $0.00 $3.983.95 $0.00 8/28/2010 31 For questions, an address change or to report a lost or stolen card, go online or call us: Target.com/redcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) Manage My REDcard Target Credit Services TDD/TDY Outside the U.S. Calling will not preserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date $1516.05 $40,00 9/25/2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $3500 late fee. Minimum Payment Warning: If you make only the minirnum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: • .... ,,,,:,,...!.,, . *;;,:;:ii„.;.:-,,,,;?., If you no 44ilittooy#Aro!...a,,a•„.....,,,,,„-,,,,.:.,,,,:,„- ,,6-''46iiiii,4-3060 h rnonth,yliipdy ; . ......................... *,.,111iilty,..OkIpP„i, 7vr;;::, rT stiwn -, Iftt,stategl,.e0t in hp, , :J,,,,;--..,:,..,,yn,•,,!:;,,-; , d‘ :UAfy,i;r-iv,A% o!. irt.;:,'i.''.::R:N; - , ' - ,I ,.., up 1,i -,,mi.; pa. ed a Only the minimum Payment 9 years $3.3 04 $59 3 years $2,124 (Savings=$1,180) f you would like information about credit counseling services, call 1-800-991-8433, Transactions Trans Date Description of Transaction or Credit Aug. 22 E -PAYMENT, TARGET.COM TOTAL PAYMENTS Jul 28 VVM SUPERCENTER Location Amount ..... :•••.• . , „ , . •. -$28.00 AND OTHER CREDITS FOR THIS PERIOD • ItOriti''"- ;1.0 iitin°° SHIPPENSBURG, PA $90.72 (transactions continued on next page) TARGET, 'JEWPHONE. HOME OR 'i -MAIL ADDRESS? 'LEASE UPDATE ON TEVERSE SIDE. DFFICE COPY Target National Sark an affiliate of Target Stores NOTICE SEE REVERSE SIDE FOR !MPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE, TO TARGET NATIONAL BANK 1111111111111111111111111111111111 TARGET NATIONAL BANK P.O. BOX 660170 DALLAS TX 75266-0170 111111111191111111"111111111111111111111111111111111111111' TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number 00017157428 New Balance $1,516.05 Minimum Payment Due $40.00 Payment Due Date September 25, 2010 Amount Enclosed $ 11 11 11 11 '01000 11 11 11 "arget Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 recount Identification Number: 00017157428 Statement Closing Date: August 28, 2010 'RAVIS W SMITH Page 2 of 2 ransactions (cont.) Trans Date Description of Transaction or Credit • Aug. 7 TARGET 40020990 Aug, 9 Aug. 10 Aug. 15 Aug. 21 Aug. 21 Aug. 23 Aug. 26 Aug. 26 TARGET 000120990 FARRELL VETERINRY CLINIC TARGET 00020990 WM SUPERCENTER RUTTER'S FARM STORE #3 WAL-MART TARGET 00011346 ROSS STORES #224 Location Amount . ........................................................................f ................................................................ CARLISLE, PA $43.59 TOTAL PURCHASES CARLISLE, PA NEWVILLE, PA CARLISLE, PA SHIPPENSBURG, PA SHIPPENSBURG, PA EXTON, PA EXTON, PA EXTON, PA AND OTHER DEBITS FOR THIS PERIOD $65.25 $87.99 $24.66 $104.94 $24.60 $55.27 $27.68 $45,44 $570.14 .......................................................... ....................................................................... . • ..h „. . INTEREST CHARGE -PURCHASES $24.36 TOTAL INTEREST CHARGED FOR THIS PERIOD $24.36 • fa $39.00 $107.07 Total tees charged in 2010 Total interest charged in 2010 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Purchases Cash Advances 23.24% (v) 27.24% (v) $1.234.15 $0.00 (v) = Variable Rate There is a Minimum Charge Of $1,00 for any billing period in which an interest charge is imposed. Benefits Summary Your Target Rewards Status Previous Balance Points Earned This Month Awarded This Billing Period 729 4367 -1000 New Target Rewards Balance 96 Congratulations, smart shopped You've just earned a Target Rewards certificate good for 10% off a day of shopping at Target. Keep using your REDcard to earn more savings. Subject to Target Rewards program rules, See store or Targelcomirewards for details. Enroll in Take Charge of Education, & choose the eligible K - 12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program ivies. See store or Target,comdcoe for details. Enroll in Target Pharmacy Rewards. Then, fiil just 10 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 10% off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Target.comipharmacy rewards for details. TARGET; 11 11 11 11 OIDIDDO 11 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: September 28, 2010 TRAVIS W SMITH Page 1 of 3 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged Interest Charged $1,516.05 4144,94 +$360.06 +$0.00 +$0.00 +$31.57 New Balance $1,762.74 Total Credit Limit $5,500.00 Cash Limit $0.00 Available Credit $3,737.26 Portion Available for Cash $0.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 9/2812010 Days in Billing Cycle 31 For questions, an address change or to report a lost or stolen card, go online or call us: Targetcomiredcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) Manage My REDcard Target Credit Services TDDJTDY Outside the U.S. Calling will not preserve your billing -error fights Payment Information New Balance $1,762.74 Minimum Payment Due $50.00 Payment Due Date 10/25/2010 Late Payrnent Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $35.00 late fee. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: ,i..•,4 .y.#4,iit01i**,.; .4044000-**04 ,004416)i6.e.4404 pay.g0Ori:rtf4ritt.i*Oitiitifibt4i;::. YPWW4P4Pf( 0# 4014600:***04 iii-g,,-.000Ci AndL*!.1.4 --- ' -eti4 up040 an 40(0!ti0 ' -.;.imr,,c:wl, Only the minimum Payment ILll $4,007 $68 $2,448 (Sayings=$1,559) f you would like information about credit counseling services, call 1-800-991-8433. Important Messages Coming soon: Everyday 5%* savings with your REDcard. Starting October 17th, just use your REDcard for an anytime 5% discount at Target. And if you're enrolled in Target Pharmacy Rewards, you'll receive a 5% -off— certificate with every five prescriptions you fill at Target Pharmacy with your REDcard. Watch for a notification letter in the mail for details. 'Some exclusions apply. See program rules at Target.corniredcard. "Some exclusions apply. See program rules al Targetcomipharmacyrewards. TARGETp IEW PHONE. HOME OR E-MAIL ADDRESS? 'LEASE UPDATE ON IEVERSE SIDE. )FFICE COPY Target National E1anIL, an affiliate of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE riffs PORTION VVIT-1 YOUR RAI( MENT MADE PAYABLE TO TARGET NATIONAL BANK 11111111111111111 1111111111111111 TARGET NATIONAL BANK P.O. BOX 660170 DALLAS TX 75266-0170 111111111111111111111"16111111'11111191""1111111111111111+ TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number 00017157428 New Balance $1,762,74 Minimum Payment Due $50.00 Payment Due Date October 25, 2010 Amount Enclosed $ TARGET 11 u u 11 .00000' u ui target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 account Identification Number: 00017157428 Statement Closing Date: September 28, 2010 TRAVIS W SMITH Page 2 of 3 Transactions Trans Date Description of Transaction or Credit Aug. 28 WM SUPERCENTER Sep. 24 E -PAYMENT, TARGET.COM tanA- Sep. 9 TARGET 00022418 Sep. 16 OLLIES BARGAIN OUTLET 064 Sep. 16 BIG LOTS #017800017889 Sep. 16 HOBBY -LOBBY # 423 Sep. 18 WM SUPERCENTER Sep. 21 KFC 047 Sep. 22 SHEETZ 00004267 Sep. 22 HOBBY -LOBBY # 423 Sep. 23 LOWES #02816'! Location SHIPPENSBURG, PA TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD CHAMBERSBURG, PA CHAMBERSBURG, PA CHAMBERSBURG, PA CHAMBER SBURG, PA SHIPPENSBURG, PA CARLISLE, PA CARLISLE, PA CHAMBERSBURG, PA SHIPPENSBURG, PA TOTAL. PURCHASES AND OTHER DEBITS FOR THIS PERIOD INTEREST CHARGE -PURCHASES s,• ;<t Amount -$104.94 -$40.00 -$144.94 $197.47 $25.67 $24.34 $25.21 $13.98 $5.30 $13.00 $44.51 $10.58 $360.06 $31.57 TOTAL INTEREST CHARGED FOR THIS PERIOD $31.57 Total fees charged in 2010 Total interest charged in 2010 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Purchases Cash Advances (v) = Variable Rate There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. Petcer t 23.24% (v) 27.24% (v) $1,599.45 $0.00 $31.57 $0.00 1Emlismi 1 1 1 1 1 1 1 TARGET. 11 H '00000* Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date TRAVIS W SMITH Page 3 of 3 11 111 111 September 28, 2010 Benefits Summary Your Target Rewards Status Previous Balance Points Earned This Month 96 +227 New Target Rewards Balance 323 You're on your way to savings! Keep accumulating points toward a 10% off day of shopping at Target. Earn 1,000 points, and you'll have a 10% off sale day with your name on it. Subject to Target Rewards program rules. See store or Targel.com/rewards for details. Enroll in Take Charge of Education, & choose the eligible K - 12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Target.corn./tcoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 10 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 10% off shopping day at Target. Subject to Target Pharmacy Rewords program rules. See store or Targel.com/pharmacy rewards for details. Special Announcements and Exclusive Offers Sign up, shop, help a school succeed. Since 1997, Target has donated $273 million to schools through Take Charge of Education. Why not yours? Enroll in the program and Target will donate up to 1%4 of your REDcard purchases to an eligible K-12 school of your choice. Sign up today at Target.comttcoe. 'Subject to Take Charge of Education program rules. See Target.comicoe or call 1-800-316-6142 for details. TARGET 11 n N I u Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 4ccount Identification Number 00017157428 Statement Closing Date: October 28, 2010 TRAVIS W SMITH Page 2 of 2 Transactions (cont.) Trans Date Oct. Description of Transaction or Credit WM SUPERCENTER Location Amount SHIPPENSBURG, PA TOTAL PURCHASES AND OTHER DEBITS FOR THIS PERIOD INTEREST CHARGE -PURCHASES Infterh Ghi�ry. $104.82 $104.82 $35.64 $35.64 TOTAL INTEREST CHARGED FOR THIS PERIOD Total fees charged in 2010 Tofat interest charged in 2010 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Cash Advances (v) = Variable Rate 23.24% (v) 27.24% (v) $1,866.10 $0.00 There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. $35.64 $0.00 Benefits Summary The REDcard saves you 5% off our already low prices at Target stores and at Target.com. Use your REDcard today and every day' and enjoy savings on almost anything at Target. Some exclusions apply. See program rules in your Target store for details. Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Target.comftcoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% -off shopping day at Target. Subject 10 Target Pharmacy Rewards program rules. See store or Target.com/pharmacy rewards tor details. Special Announcements and Exclusive Offers Use your REDcard, save 51/4 at Target -every day. Your REDcard has a big new benefit: Now it saves you 5% at Target, on almost anything you want, any time you shop. Just use your card to make our already low prices that much lower. See the program rules in store for restrictions. 1 TARGET u u *00000, A A Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: November 28, 2010 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances • Fees Charged Interest Charged $1.853.20 -$159.82 +$236.49 +$0.00 +$0.00 +$38.80 New Balance $1,968.67 Total Credit Limit $5,500.00 Cash Limit $0.00 Available Credit $3,531.33 Portion Available for Cash $0.00 The Cash Limit is a portion of the.Total Credit Limit Statement Closing Date 11/28/2010 Days in Billing Cycle 31 For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target.com/redcard Target Credit Services 1-868-755-5856 TDD/TDY 1-800-347-5842 Outside the U.S. 1-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Payment Information New Balance $1,968.67 Minimum Payment Due $59.00 Payment Due Date 12/25/2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $35.00 late fee. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: 1f you make do additional charges I using Chas card anti each month you pay You will,pay off th bance lashowtt on thisstatement i l S about At dfd up yob fl; enpayin =2 an estt#nated total of u Only the minimum Payment 12 years $4,636 $76 3 years $2,736 (Savings=.81.900) f you would like information about credit counseling services, call 1-800-991-8433. Transactions Trans Date P,aymeu1s i Nov. 15 WM SUPERCENTER Nov. 24 E -PAYMENT, TARGET,COM Description of Transaction or Credit Location SHIPPENSBURG, PA Amount TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD -$104.82 -$55.00 -$159.82 (transactions continued on next page) TARGET EW PHONE. HOME OR -MAIL ADDRESS? LEASE UPDATE ON EVERSE SIDE. )FFICE COPY Target National Bark, an affiliate of Target Stores NOTICE. SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK Account Number XXXX-XXXX-XXXX-2686 Account Identification Number 00017157428 $1,968.67 $59.00 December 25, 2010 1111111111111111111111111111111 TARGET NATIONAL BANK P.O. BOX 660170 DALLAS TX 75266-0170 ILII'IIIII"hI'IIIIIIIII'lh111ll"i'" IIII'illIIIIIlI'II„lll1lll TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 New Balance Minimum Payment Due Payment Due Date Amount Enclosed $ —J TARGET, "00000' n 11 target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 account Identification Number: 00017157428 Statement Closing Date: October 28, 2010 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged interest Charged $1,762.74 -$50.00 +$104.82 +$0.00 ,+$0.00 +$35.64 New Balance Total Credit Limit Cash Limit Available Credit Portion Available for Cash The Cash Limit is a portion Statement Closing Date Days in Billing Cycle $1,853.20 $5,500.00 $0.00 $3,646.80 $0.00 he Total Credit Limit 10/28/2010 30 For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target Credit Services TDD/TDY Outside the U.S. Calling wilt not preserve your Target.com/redcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) billing -error rights New Balance Minimum Payment Due Payment Due Date 11,`25120 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $35.00 late tee, Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: ori;,II 'slf`;j?fit';tYi�ke;,,1,!dU;: +`addititSnal`o1sar ds t?tit _ '' lisiigtfixs%Cgi'�t.C�;';,! : 'o ' `ii ' `;'�ffi�ka�tt7attifh�±:.�`�`aY::.�`�''?.:'-`ii:..:� uu.,..... ?iTi4s ......4t�"�"s'"';) ��f". ,, i i''': ,,:" l .I; thle: bafar oe sha`wn � y,t r 4.0 i'?t t to�'at •et' in1 :.;ttt VJ s � ei??, q :.r „/4i {:: ,:u. ,; '4 , {g(f! 'v'i'a 'out ! r;?a iJ}r,;r•; ?:l,�ns.,,. %+end t rLtan'festtt{� 3� �, t !•it?,s si+:t.(2;".ckl. Cit Attur°::.if<i + ,. r:�+. u�jt'#. Tn ' ,. :�s is r�'i :sti rt te�I'•`i .,,.,� '�.. ,».{f/ . •. j. .t .j ,,i6iat ef>>:,ItFi ..I..t.,.,}{ ��"� Only the minimum Payment 11 years $4,262 $72 3 years $2,592 (Savings=$1.670) 1 you would like information about credit counseling services, call 1-800-991-8433. Transactions Trans Date Description of Transaction or Credit :4: 3':::rn, n �,, r, '{::,.t::: n:f,. ..5{Ln}:fUq•Yts� � E.I,.y:. ;iTl Oct. 22 i E -PAYMENT, TARGET.COM u , Location TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD Amount z 41! Iris 'i31?S t -$50.00 -$50.00 (transactions continued on next page) TARGET, • EW PHONE. HOME OR ,MAIL ADDRESS? I,,1 LEASE UPDATE ON EVERSE SIDE. ; )FFICE COPY Target Natlonat Bank. an affiliate of Target Stores NOTICE: SEE REVERSE 510E FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK Account Number XXXX-XXXX-XXXX-2686 Account Identification Number 00017157428 $1,853.20 $55.00 November 25, 2010 IIIIIi(IIIIII(1III IVIH IIIIINN TARGET NATIONAL BANK P.O. BOX 660170 DALLAS TX 75266-0170 IIII'I"111IIIIIII'1IIi1iIIIIIIII'IIIII'IIIIIIIII'IIII TRAVIS W SMITH 175 WH SKEY RUN RD NEWVILJLE PA 17241-8601 New Balance Minimum Payment Due Payment Due Date Amount Enclosed $ TARGET, •'00000` N N a Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: December 28, 2010 TRAVIS W SMITH Page 2 of 2 Transactions (cont.) Trans Date Description of Transaction or Credit . ..Iter Dec. 7 TARGET 00022418 Dec. 21 H & H COLLISION Dec. 21 SHIPPENSBURG FAMILY PRACT Dec. 21 Dec. 22 Dec. 22 Dec. 22 Dec. 23 RUTTER'S FARM STORE #3 BURGER KING #11780 SAYLORS SAYLOR'S MARKET ADAMS ELECTRIC COOPERATI Location CHAMBERSBURG, PA SHIPPENSBURG, PA SHIPPENSBURG, PA SHIPPENSBURG, PA CHAMBERSBURG,PA NEWVIULLE. PA NEWVILLE, PA 717-334-9211, PA TOTAL PURCHASES AND OTHER DEBITS FOR THIS PERIOD int[rrEl t CII ger INTEREST CHARGE -PURCHASES TOTAL INTEREST CHARGED FOR THIS PERIOD Total fees charged in 2010 Total interest charged in 2010 Amount $207.41 $1,464.93 $20.00 $24.55 $4.45 $10.38 $36.75 $97.85 $1,988.57 $47.96 $47.96 interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. *alen*eublec Matti $2,510.82 $0.00 ai Purchases Cash Advances (v) = Variable Rate There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. cents e 23.24% (v) 27.24% (v) $47.96 $0.00 Benefits Summary The REDcard saves you 5% off our already low prices at Target stores and at Target.com. Use your' REDcard today and every day, and enjoy savings on almost anything at Target. Some exclusions apply. See program rules in your Target store for details. Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Target.com:`tcoe for details, Enroll in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% -off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Targel.com/pharmacy rewards for details. TARGET. A n '00000 ' N 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 4ccount Identification Number: 00017157428 Statement Closing Date: December 28, 2010 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance $1,968.67 Payments and Other Credits 41,100.00 Purchases and Other Debits +$1,988.57 Cash Advances +$0.00 Fees Charged +S0.00 Interest Charged +$47.96 New Balance $2.905.20 Total Credit Limit $5.500.00 Cash Limit $0.00 Available Credit $2.594.80 Portion Available for Cash $0.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 12/28/2010 Days in Billing Cycle 30 For questions, an address change or to report a lost or stolen card, go',online or call us: Target.comiredcard 1-888-755-5856 1-800-347-5842 i-612-307-8622 (Call Collect) Manage My REDcard Target Credit Services TDDITDY Outside the U.S. Calling will not preserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date Late Payrnent Warning: If we do not receive your payment by the date listed above, you may have $35.00 late fee. Minimum Payment Warning: If you make only payment each period, you will pay more in interest you longer to pay off your balance. For example: $2,905.20 $78.00 1/25/2011 minimum to pay up to a the minimum and it will take l! you tnett0 t o add66.6 l,charges , U Ing #has card 4nd each month you pay You V�iI }lay off ti a balance"shown ori i' this sfaternenttrs about , Aird tf+ tf f vitt end up paying „lett es#ttit t d' i' . •tistai Only the minimum Payment 15 years $7.367 $113 3 years $4`068 (Savings=$3,299) f you would like information about credit counseling services. call 1-800-991-8433. Transactions Trans Date Dec. 24 Description of'Transaction or Credit E -PAYMENT, TARGET.COM Nov. 31 CENTURYLINK - WEB CRB lytr Location TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD 888-723-8010, KS Amount 41,100.00 -$1,100.00 $122.25 (transactions continued on next page) TARGET. EW PHONE. HOME OR -MAIL ADDRESS? LEASE UPDATE ON EVERSE SIDE. )FFICE COPY Target National Bank. an aKtnate of Target Stores NOTICE: SEE REVERSE SIDE. FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK IIII!IIIIHIIIIIII IIIJII IIII II III TARGET NATIONAL BANK P.O. BOX 660170 DALLAS TX 75266-0170 III1111111IuiiNli1111i1iiilsIliIi111111111111111111111111s1ii111 TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account identification Number 00017157428 New Balance $2,905.20 Minimum Payment Due $78.00 Payment Due Date January 25, 2011 Amount Enclosed $ TARGET!, a N A ^00000 q 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: January 28, 2011 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged Interest Charged $2,905.20 -$78.00 +$375.87 +$0.00 +$4.00 +$61.60 New Balance $3,264.67 Total Credit Limit $5.500.00 Cash Limit $0.00 Available Credit $2,235.33 Portion Available for Cash $0.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 1/28/2011 Days in Billing Cycle 31 For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target Credit Services TDDfTDY Outside the U.S. Target.comiredcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Cali Collect) Calling will not preserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date Late Payment Warning: If we do not receive your payment by the date listed above, you may have $35.00 late fee. Minimum Payment Warning: If you make only payment each period, you will pay more in interest you longer to pay off your balance. For example: $3,264.67 $95.00 2/25/2011 minimum to pay up to a the minimum and it will take 1f you make Kyo addittortat chai`ges using,thss card and each month you.pay You Wil! lay ofi tf e >balance'shown on this statements ' ab ut i And you wiH tl end upp;payrrig i an estimated ci foist c11 . . Only the minimum Payment 16 years $8,396 $127 3 years $4,572 (Savings=$3,824) If you would like information about credit counseling services, call 1-800-991-8433. Transactions Trans Date Description of Transaction or Credit E -PAYMENT, TARGET.COM Jan. 21 Jan. 4 WM SUPERCENTER Location TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD -cna s,e ,t sr:Debits , . SHIPPENSBURG, PA Amount -$78.00 -$78.00 $16.32 .I, (transactions continued on next page) TARGET.. EW PHONE, HOME OR -MAIL ADDRESS? LEASE UPDATE ON EVE RSE SIDE. )FFICE COPY Target National eanit. on effniete at Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK 11111 III IIIIIII WIUIIIIIIIIII TARGET NATIONAL BANK P.O. BOX 660170 DALLAS TX 75266-0170 I'I'dlrlllulliPPJIilli'I'I"IIIlII'l1IIIIIIIII'IIIIIIIIIIIIIIII TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number 00017157428 New Balance $3,264.67 $95.00 February 25, 2011 Minimum Payment Due Payment Due Date Amount Enclosed $ TARGET!. u u u `-00000' Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 4ccount Identification Number: 00017157428 Statement Closing Date: January 28, 2011 TRAVIS W SMITH Page 2 of 2 Transactions (cont.) Trans Date Jan. 9 Jan. 10 Jan. 10 Jan. 17 Jan. 17 Jan. 19 Jan. 20 Jan. 20 Jan. 20 Jan. 25 Jan. 25 Dec. 30 Dec. 30 Description of Transaction or Credit WM SUPERCENTER MACARONI GR32700003277 OPTIMA 0775010201 SHEETZ 00000760 SHEETZ 00000760 WM SUPERCENTER TARGET 09020990 SHEETZ 00004267 ADAM J BURICK DO TARGET 00020990 GULF OIL 92046308 WM SUPERCENTER BBS GROCERY OUTLET LP Location 0404.1C.1— SHIPPENSBURG, PA HARRISBURG, PA CHAMBERSBURG, PA CHAMBERSBURG. PA CHAMBERSBURG, PA SHIPPENSBURG, PA CARLISLE, PA CARLISLE, PA CARLISLE, PA CARLISLE, PA CARLISLE, PA SHIPPENSBURG, PA NEWBURG.PA TOTAL PURCHASES AND OTHER DEBITS FOR THIS PERIOD INTEREST CHARGE -PURCHASES Total fees charged in 2011 Total interest charged in 2011 haMe TOTAL INTEREST CHARGED FOR THIS PERIOD Amount $41.70 $37.58 $29.50 $12.00 $32.75 $25.31 $37.24 $14.00 $35.00 $7.08 $12.50 $20.76 $54.13 $375.87 $61.60 $61.60 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Purchases Cash Advances. (v) = Variable Rate There is a Minimum Charge' of $1.00 for any billing period in which an interest charge is imposed. 23.24% (v) 27.24% (v) $3,120.97 $0.00 $61.60 $0.00 Benefits Summary The REDcard saves you 5% off our already low prices at Target stores and at Targetcom. Use your REDcard today and every day, and enjoy savings on almost anything at Target. Some exclusions apply. See program rules in your Target store for details. Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Targef.cornitcoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% -off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Target.comrpharmacy rewards for details. u b "00000° u 11 target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 account Identification Number: 00017157428 Statement Closing Date: February 28, 2011 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged Interest Charged $3,264.67 -$95.00 +$375.99 +$0.00 +$0.00 +$70.42 New Balance $3,616.08 Total Credit Limit $5,500.00 Cash Limit $0.00 Available Credit $1,883.92 Portion Available for Cash $0.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 2/28/2011 Days in Billing Cycle 31 For questions, an address change or to report a lost or stolen card, go online or call us: Target.com/redcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Cali Collect) Manage My REDcard Target Credit Services TDD/TDY Outside the U.S. Calling will not p•eserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date $3,616.08 $107.00 3/25/2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $35.00 late fee. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: it You make addit,-:001,:'cha ges using this card at►d each month yo pay Pi,Will„p y off the balance sho rrt on . ttlli statement to } about ; 4 fid yotrwill- , en t up paying ; an estimated total r. Only the minimum Payment 17 years $9.410 $140 3 years $5'040 (Savings=$4,370) f you would like information about credit counseling services, call 1-800-991-8433. Transactions Trans Date Feb. 21 Description of Transaction or Credit E -PAYMENT, TARGET.COM Jan. 28 TARGET 00020990 Location TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD CARLISLE, PA Amount -$95.00 -$95.00 $28.48 (transactions continued on next page) FW PHONE. HOME OR -MAIL ADDRESS? LEASE UPDATE ON EVE AS£ SIDE. )FFICE COPY Target National Sank, an affiliate of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ICLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK IItIII1IlIIIIIIII IIiIIIIllhIIII!I TARGET NATIONAL BANK P.O. BOX 660170 DALLAS TX 75266-0170 ililalnlirllilrrliiIlli111l.IIIIsi11I111, TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 I I Account Number XXXX-XXXX-XXXX-2686 00017157428 $3,616.08 $107.00 March 25, 2011 Account Identification Number New Balance Minimum Payment Due Payment Due Date Amount Enclosed $ TARGETe u u b "00000' u u u Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: February 28, 2011 TRAVIS W SMITH Page 2 of 2 Transactions (cont.) Trans Date Description of Transaction or Credit ni?r 'CIiBS@5:�1�i trr. Jan. 28 WAL-MART #5358 Feb. 3 CENTURYLINK - WEB CRB Feb. 7 ATTM'464012866858PHI Feb. 10 RUTTER'S FARM STORE #3 Feb. 12 RUTTER'S FARM STORES # Feb. 15 WM SUPERCENTER Location SHIPPENSBURG. PA 888-723-8010, KS 800-331-0500, GA SHIPPENSBURG, PA CARLISLE, PA SHIPPENSBURG. PA TOTAL PURCHASES AND OTHER DEBITS FOR THIS PERIOD ..>:,:.:., ...fes ...... .........,....:.:...:.:::::::....,:,..:.................:.:.........., INTEREST CHARGE -PURCHASES TOTAL INTEREST CHARGED FOR THIS PERIOD idtat8= ert Total fees charged in 2011 Total interest charged in 2011 $0.00 $132.02 Amount $51.17 $122.65 $105.53 $15.00 $36.25 $16.91 $375.99 $70.42 $70.42 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. of Balanc Purchases Cash Advances nl Percentage fiats SAP 23.24% (v) 27.24% (v) ta7t'c�Seitijec Interg $3,587.87 $0.00 (v) = Variable Rate There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. Benefits Summary The REDcard saves you 5% off our already low prices at Target stores and at Target.com. Use your REDcard today and every day, and enjoy savings on almost anything at Target. Some exclusions appty. See program rules in your Target store for details. Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subiecl to Take Charge of Education program rules. See store or Target.com.%Icoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% -off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Targel.com/pharmacy rewards (or details. pedal Announcements and Exclusive Offers Turn your family's prescriptions into 5%* savings. Enroll for free in Target Pharmacye Rewards to receive a 5% -off certificate with every five prescriptions filled at Target Pharmacy with your REDcarde. Combine your 5% -off certificate with your REDcard 5%" discount for even more savings. Sign up today at Target.com/pharmacyrewards or call 1 -877 -Rx -TARGET. 'Some exclusions apply. See program rules at Target.com/pharmacyrewards. •"C nn"o Cyril ,cinnc .nn I,, Con nrnnro m r::loc of To.nnr n..m/rn.dner.l TARGETF '0000 N Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: March 28, 2011 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged Interest Charged $3,616.08 -$107.00 +$0.00 +$0.00 +$0.00 +$64.56 New Balance $3.573.63 Total Credit Limit $5,500.00 Cash Limit $0.00 Available Credit $1,926.37 Portion Available for Cash $0.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 3/28/2011 Days in Billing Cycle 28 For questions, an address change or to report a lost or stolen card, go online or call us: Target.com/redcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) Manage My REDcard Target Credit Services TDD/TDY Outside the U.S. Calling will not fxeserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date $3,573 63 $101.00 4/25/2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $35.00 late fee. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you matte no addition( 4harg+ usingthis caret an+ ach month you; pa >uJwiII pay off tt lance. shown e us'Statement Only the minimum Payment 16 years $9,163 $139 3 years $5,004 (Savings=$4.159) f you would like information about credit counseling services, call 1-800-991-8.433. Transactions Trans Date Description of Transaction or Credit P n1s lard Grath Mar. 22 E -PAYMENT, TARGET.COM Location TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD Amount -$107.00 -$107.00 (transactions continued on next page) TARGET: IEW PHONE. HOME OR -MAIL ADDRESS? LEASE UPDATE ON EVERSE SIDE. )FFICE COPY Target National Sank. an atallate of Tafget Sloes NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK 1111111111111111111111111111111111 ' TARGET NATIONAL BANK P.O. BOX 660170 DALLAS TX 75266-0170 • I`III'III�IIIIII"'IIIIII'I1IiI1iI'llI'II'II'I'III'llll'III'll'll TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number 00017157428 New Balance $3,573.63 Minimum Payment Due $101.00 Payment Due Date April 25, 2011 Amount Enclosed $ TAROET. A 11 A '00000- u 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: March 28, 2011 TRAVIS W SMITH Page 2 of 2 Transactions (cont.) Trans Date Description oeTransaction or Credit INTEREST CHARGE -PURCHASES Location estSint TOTAL INTEREST CHARGED FOR THIS PERIOD 1 Tot. Is �rear.to; Total fees charged in 2011 Total interest charged in 2011 $0.00 $196.57 Amount $64.55 $64.55 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate cei'ta4 23.24% (v) 27.24% (v) There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. $64.55 $0.00 Benefits Summary The REDcard saves you 5% off our already low prices at Target stores and at Targetcom. Use your REDcard today and every day, and enjoy savings on almost anything at Target. Some exclusions apply. Seo program rules in your Target store for details. Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rutes. See store or Target.00mitcoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% -off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Target.comlpharmacy rewards for details. Special Announcements and Exclusive Offers Use your REDcarde, save 5% at Target — every day. Your REDcard has a big benefit: Now it saves you 5% at Target, on almost anything you want, any time you shop. Just use your card to make our already low prices that much lower, See the program rules in store for restrictions. TARGET* A A u "00000" A Y D Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: April 28, 2011 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged Interest Charged $3,573.63 -$101.00 +$222.60 +$0,00 +$0.o0 +872.64 New Balance $3,767.87 Total Credit Limit Cash Limit Available Credit Portion Available for Cash The Cash Limit is a portion of the Total Credit Limit Statement Closing Date . Days in Billing Cycle $5,500.00 $0.00 $1,732.13 $0.00 4/28/2011 31 For questions, an address change or to report a lost or stolen card, go online or call us: Target.com/redcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) Manage My REDcard Target Credit Services TDD/TDY Outside the U.S. Calling will not preserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date $3,767.87 $111.00 5/25/2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $35.00 late fee. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you snake to 'You Will ay icaff 41ie Rr1 yrfu Will addattonal oharges balanceshowrh stn end ttp paytag using fhls card and this statement in ap. 'stip t6 eagi month you'pay' abptlt t f t ''total of Only the minimum Payment 16 years $9,623 $146 3 years $5,256 (Savings -$4.367) f you would like information about credit counseling services, call 1-800-991-8433. Important Messages - Annual Percentage Rate (APR) Lowered Good news -- after a recent review of your account, we've lowered your APR. Your lower APR is in effect now and you can see it on this statement. Thanks for using your REDcardeai TARGET., tE W PHONE. HOME OR i -MAIL ADDRESS, =LEASE UPDATE ON tEVERSE SIDE. OFFICE COPY Target NaboAal Bank. an affiliate or Target Staffs NOTICE. SEE REVERSE. SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE. PAYABLE TO TARGET NATIONAL BANK Account Number XXXX-XXXX-XXXX-2686 00017157428 $3,767.87 $111.00 May 25, 2011 111111111111111111111111111111111 TARGET NATIONAL BANK P.O. BOX 660170 DALLAS TX 75266-0170 I'llllllIIIII1llt'II'II"ttll'II'IIIIIIIIII'IIIIIIII'IIIIItIIIIit TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Identification Number New Balance Minimum Payment Due Payment Due Date Amount Enclosed $ Special Announcements and Exclusive Offers TARGET. u u u *00000' u Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: April 28, 2011 TRAVIS W SMITH Page 2 of 2 Transactions Trans Date Description of Transaction or Credit Apr. 24 E -PAYMENT, TARGET.COM Apr. 3 Apt'. 8 Apr. 8 Apr. 9 Apr. 17 Apr. 21 WM SUPERCENTER OLLIES BARGAIN OUTLET 064 CVS PHARMACY #5726 003 CRACKER BARREL #431 CARLI SHEETZ 00000760 KFC 051 I Location l•yttenis Attdt 4thet ire TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD a 8,s;>i9 SHIPPENSBURG, PA CHAMBERSBURG, PA SHIPPENSBURG, PA CARLISLE, PA CHAMBERS8URG, PA CHAMBERSBURG. PA TOTAL PURCHASES AND OTHER DEBITS FOR THIS PERIOD INTEREST CHARGE -PURCHASES TOTAL INTEREST CHARGED FOR THIS PERIOD Amount -$101.00 -$101.00 $35.20 $27.53 $100.00 $20.20 $33.00 $6.67 $222.60 $72.64 $72.64 Total fees charged in 2011 Total interest charged in 2011 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. #re oi" t3akance Purchases Cash Advances n990PerC r a1, 22.90% (v) 22.90% (v) atanc�e; Interest a $3,735 49 $0.00 (v) = Variable Rate .t There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. $72.64 $0.00 Benefits Summary The REDcard saves you 5% off our already low prices at Target stores and at Target.com. Use your REDcard today and every day, and enjoy savings on almost anything at Target. Some exclusions apply. See program rules in your Target store for details. Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Target.comltcoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% -off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Target.comlpharmacy rewards for details. Click for less clutter:: Switch to PDF statements. Ready for less paper in your mailbox? Start managing your REDcardt) online to access your statements as Pf)Fs It's an Aacv wav to rpvipw vnur ctatpmpntc anri cava therm fnr vnnr rannrric I nn in at Tarnat rnm/ream TARGET A I `C 0000' Y Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: May 28, 2011 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged Interest Charged $3,767.87 -$111.00 +$219.22 +$0.00 +$0.00 +$73.18 New Balance $3,949.27 Total Credit Limit $5,500.00 Cash Limit $0.00 Available Credit $1,550.73 Portion Available for Cash $0.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 5/28/2011 Days in Billing Cycle 30 For questions, an address change or to report a lost or stolen card, go online or call us: Target.com/redcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) Manage My REDcard Target Credit Services TDDITDY Outside the U.S. Calling will not preserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date I� $3,949.27 $113.00 6/25/2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $35.00 late fee. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you rrtak8 n0 dditronal charges r using.this card and tach month yoi.pacy .. , ; :.. ... S �:.'. You w'll pay riff the ; bnce shown art {' ala ttllsS statement in r . ;:, y...:::Only Wind you end up paying ah estimated the minimum Payment 17 years $10,139 $153 3 years $5,508 (Savings=$4,631) f you would like information about credit counseling services, call 1-800-991-8433. Transactions Trans Date May 6 Description of Transaction or Credit TARGET 00020990 Location TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD CARLISLE, PA Amount -$111.00 -$111.00 $54.02 (transactions continued on next page) TARGET EW PHONE. HOME OR -MAIL ADDRESS? LEASE UPDATE ON EVERSE SIDE. )FFICE COPY Target Nationet Banc, an aRillale of Target States NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK VIII IIII IIIIIIIII IQ 111 IUII II UI TARGET NATIONAL BANK P.O. BOX 660170 DALLAS TX 75266-0170 I llllIiIIIrrullilrrrlirllrrllliIIllrllrrlllilrlil+11111lIIi TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number 00017157428 New Balance $3,949.27 $113.00 June 25, 2011 Minimum Payment Due Payment Due Date Amount Enclosed $ TARGET* .00000' A A Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: May 28, 2011 TRAVIS W SMITH Page 2 of 2 u Transactions (cont.) Trans Date May 7 May 16 May 18 May 24 Description of Transaction or Credit TARGET 00022418 TARGET 00020990 WM SUPERCENTER SHEETZ 00000760 WlOtk4Set Location Chet Peblt �cOtit,, CHAMBERSBURG. PA CARLISLE, PA SHIPPENSBURG, PA CHAMBERSBURG, PA TOTAL PURCHASES AND OTHER DEBITS FOR THIS PERIOD it*eiteSt Char Amount INTEREST CHARGE -PURCHASES TOTAL INTEREST CHARGED FOR THIS PERIOD .. ItTotai Total fees charged in 2011 Total interest charged in 2011 r�S $19,47 $52.37 $31.86 $61.50 $219.22 $73.18 $73.18 interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. POig Purchases Cash Advances 22.90% (v) 22.90% (v) $3.888.36 $0.00 (v) = Variable Rate There is a Minimum Charge:of $1.00 for any billing period in which an interest charge is imposed. $73.18 $0.00 Benefits Summary The REDcard saves you 5% off our already low prices at Target stores and at Target.com. Use your REDcard today and every day, and enjoy savings on almost anything at Target. Some exclusions apply. See program rules in your Target store for details. Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store Or Target.comilcoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% -off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Target.com/pharmacy rewards for details. Special Announcements and Exclusive Offers Click for less clutter: Switch to PDF statements. Ready for less paper in your mailbox? Start managing your REDcarde online to access your statements as PDFs. It's an easy way to review your statements and save them for your records. Log in at Target.com/rcam to sign up and make life a little simpler each month. TARO ES u u '00000' . B n Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: June 28, 2011 TRAVIS W SMITH Page 1 of 3 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits • Cash Advances Fees Charged Interest Charged $3,949.27 -$113.00 +$388.50 +$0.00 +$0.00 +$81.18 New Balance $4,305.95 Total Credit Limit $5,500.00 Cash Limit $0.00 Available Credit $1,194.05 Portion Available for Cash $0.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 6/28/2011 Days in Billing Cycle 31 For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target.com/redcard Target Credit Services 1-888-755-5856 TDD/TDY 1-800-347-5842 Outside the U.S. 1-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights TARGET. EW PHONE. HOME OR -MAIL ADDRESS? LEASE UPDATE ON EVERSE SIDE. )FFICE COPY Target National Bank. an athlete of Target Stores Payment Information New Balance Minimum Payment Due Payment Due Date Late Payment Warning: payment by the date listed $35.00 late fee. Minimum Payment Warning: payment each period, you you longer to pay off your $4,305.95 $125.00 7/25/2011 If we do not receive your minimum above, you may have to pay up to a If you make only the minimum will pay more in interest and it will take balance. For example: If you mate no additional .eharges using this and and each rrii�nth )tot] pay . You v ill ji13y off th l balance`shown t it this stdterrfent, it3 , abi ut ,, .j , An d ybii Yvtii s I end a en a lithated, a { , r` 1tt,tsf Only the minimum Payment 18 years $11,153 $166 3 years $5,976 (Savings=$5,177) f you would like information about credit counseling services, call 1-800-991-8433. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK 111111111111111111 111111 11111 III TARGET NATIONAL BANK P.O. BOX 660170 DALLAS TX 75266-0170 • I 'IIIIII'II'IIII'III'IIIIIIII'II'I'II'IIIIIIIII'I"I'I'Inlll"l'I TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number New Balance Minimum Payment Due Payment Due Date Amount Enclosed $ 00017157428 $4,305.95 $125.00 July 25, 2011 TARGET b b N •00000* d Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: June 28, 2011 TRAVIS W SMITH Page 2 of 3 Important Messages Go Paperless Sweepstakes Less clutter, more trees. We're giving away $10.000 worth of Target GiftCardso to cardholders who switch to online -only REDcard® statements.** Visit Target.com/ream for your chance to win. "See rules at Target.com/paperless. NO PURCHASE NECESSARY. Sweepstakes ends 9/1/11 at 11:59 p.m. CDT. Open only to legal residents of the 50 United States or D.C. who are Target Credit Card® or Target® Visa® Credit Card account holders and who enroll for paperless statements during the Promotion Period and are 18 years of age or older as of date of entry. See Official Rules at (Target.com/paperless) for additional eligibility restrictions, prize descriptions/ restrictions/ARVs and complete details. Odds of winning depend on the number of eligible entries received. Void where prohibited. SPONSOR: Target Corporation, 1000 Nicollet Mall, Minneapolis, MN 55403. Transactions Trans Date Description of Transaction or Credit Jun. 25 Jun. 3 Jun. 8 Jun. 13 Jun. 17 Jun. 21 Jun. 22 Jun. 23 i E -PAYMENT, TARGET.COM SHEETZ 00004267 ERIE INSURANCE TARGET 00022418 ARBY'S 7813 00078139 WENDYS1882 Q25 OLLIES BARGAIN OUTLET 064 ADAMS ELECTRIC COOPERATI li INTEREST CHARGE -PURCHASES Location TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD CARLISLE, PA 800-458-0811, PA CHAMBERSBURG, PA CHAMBERSBURG, PA CHAMBERSBURG, PA CHAMBERSBURG, PA 717-334-9211, PA TOTAL PURCHASES AND OTHER DEBITS FOR THIS PERIOD TOTAL INTEREST CHARGED FOR THIS PERIOD Amount -$113.00 -$113.00 $21.50 $187.00 $60.41 $5.93 $7.41 $20.21 $86.04 $388.50 $81.18 $81.18 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. ,.. ,, ante'.: t't Annual P i Purchases Cash Advances (v) = Variable Rate There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. 22.90% (v) 22.90% (v) $4,174.51 $0.00 $81.18 $0.00 TARGET N '00000' Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: June 28, 2011 TRAVIS W SMITH Page 3 of 3 Benefits Summary The REDcard saves you 5% off our already low prices at Target stores and at Target.com. Use your REDcard today and every day, and enjoy savings on almost anything at Target. Some exclusions apply. See program rules In your Target store for details. Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Edumtion program rules. See store or Target.com/lcoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% -off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Target.com/pharmacy rewards For details. Special Announcements and Exclusive Offers Manage Your REDcard® Online Ready for less paper in your mailbox? Start managing your REDcard® online to access your statements as PDFs. It's an easy way to review your statements and save them for your records. Log in at Target.com/ream to sign up and make life a little simpler each month. TARGETe '00006" iu NI u Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: July 28, 2011 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Past Due Amount Fees Charged Interest Charged $4,305.95 -$20.00 +$270.07 +$0.00 $105.00 +525.00 +$84.47 New Balance Total Credit Limit Cash Limit Available Credit Portion Available for Cash $4,665.49 $4,800.00 $0.00 $134.51 $0.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 7/28/2011 Days in Billing Cycle 30 For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target Credit Services TDD/TDY Outside the U.S. Target.com,'redcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date $4,665.49 $262.00 8/2512011 Late Payment Warning: If we do riot receive your minimum payment by the date listed above, you may have to pay up to a $35.00 late fee. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: It you make;tio 000060 :000.0p.* using this bard and tr onth you pa Only the minimum Payment ou will:pay off 'OOP "....§60' this.statement 18 years f you would like information about credit counseling services, call 1-800-991-8433. Important Messages Missed Payment! We didn't receive your minimum payment by your last due date. If you've made the payment since then, thank you! if you haven't, please make a payment by going to Target.comlredcard and clicking on "Manage My REDcard" or by calling us at (888) 608-7627. You can also make a payment at any Target store or with the enclosed envelope. Credit Limit Notice The credit limit for your REDcard was recently lowered. The new limit is shown on this statement. TARGET, EW PHONE. HOME OR -MAIL ADDRESS? LEASE UPDATE ON 'EVE RSE SIDE. )FFICE COPY Target NBUonat Bank, an affiliate of Target Stares NOTICE. SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL, SANK 1111111111111111111111111111111111 TARGET NATIONAL BANK P.O. BOX 660170 DALLAS TX 75266-0170 11111111 IIII1i-IIII!111II111111111IIIIII.11111t1Il1I1l11I1I TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number 00017157428 New Balance $4,665.49 Minimum Payment Due $262.00 Payment Due Date August 25, 2011 Amount Enclosed $ TARGET. Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 TRAVIS W SMITH 11 N 00000 • 11 u D Statement Closing Date: July 28, 2011 Page 2 of 2 Transactions Trans Date Description of Transaction or Credit P�ytrtetttlr Jul. 24 E -PAYMENT, TARGET.COM Jun. 27 Jul. 1 Jul. 2 Jul. 5 Jul_ 7 Jul. 7 Jul. 8 Jul. 11 Jul. 21 Jul. 24 DOLRTREE 2746 00027466 BURGER KING #11780 SAYLOR'S MARKET VVM SUPERCENTER SHEETZ 00000703 BIG LOTS #017800017889 BURGER KING #2080 SAYLOR'S MARKET RED ROBIN #338 ADAMS ELECTRIC COOPERATI Jul. 25 LATE PAYMENT FEE Location a: TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD ,40-0.41015;.,. SHIPPENSBURG, PA CHAMBERSBURG, PA NEVWILLE, PA SHIPPENSBURG, PA SHIPPENSBURG, PA CHAMBERSBURG, PA CARLISLE, PA NEVWILLE, PA CARLISLE, PA 717-334-9211, PA TOTAL PURCHASES AND OTHER DEBITS FOR THIS PERIOD INTEREST CHARGE -PURCHASES TOTAL FEES FOR THIS PERIOD TOTAL INTEREST CHARGED FOR THIS PERIOD Total fees charged in 2011 Total interest charged in 2011 Amount -$20.00 -$20.00 114 $4.87 $6.35 $43.46 $24.29 $28.01 $20.72 $7.18 $17.73 $19.58 $97.88 $270.07 $25.00 $25.00 $84.47 $84.47 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account jrpe frf Ltai Purchases Cash Advances (v) = Variable Rate aI P�rceraf>�ge itis 22.90% (v) 22.90% (v) $4.488.54 $0.00 There is a Minimum Charge of; $1.00 for any billing period in which an interest charge is imposed. $84.47 $0.00 =enefits Summary The REDcard saves you 5% off our already low prices at Target stores and at Target.com. Use your REDcard today and every day, and anjoy savings on almost anything at Target. Tome exclusions apply. See program rules in /our Taroet store for details. Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Target.comltcoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% -off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Taraet.comfoharmacv TARGET "00000' Ai W Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: August 28, 2011 TRAVIS W SMITH Page 1 of 3 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged interest Charged $4,665.49 -$263.00 +$70.39 +$0.00 +$0.00 +$89.84 New Balance Total Credit Limit Cash Limit Available Credit Portion Available for Cash The Cash Limit is a portion of the Total Credit Limit Statement Closing Date Days in Billing Cycle $4,562.72 $4,800.00 $0.00 $237.28 $0.00 8/28/2011 31 For questions, an address change or to report a lost or stolen card, go Online or call us: Target.com/redcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) Manage My REDcard Target Credit Services TDD/TDY Outside the U.S. Calling will not preserve your billing -error rights TARGET: EW PHONE, HOME OR -MAIL ADDRESS? LEASE UPDATE ON EVERSE SIDE. )FFICE COPY Target National Barik. en affl Mote of Target Steer Payment Information New Balance Minimum Payment Due Payment Due Date $4,562.72 $136.00 9/25/2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $35.00 late fee. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay oft your balance. For example: 1f yosu make no additional charges usmg :this card: and etllGh month you pay You wilt pay off the batance,shbwn viii'► ; thisr statement in about And you will snit tap paying .I ata *Stttnatett totat of ` f Only the minimum Payment 18 years $11,878 $176 3 years $6,336 (Savings=$5,542) f you would like information about credit counseling services, call 1-800-991-8433. NOTICE- SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK TARGET NATIONAL BANK P.O. BOX 660170 DALLAS TX 75266-0170 il�lll�llllll''�'ll��l�llll��l�,lul��l"ll'�lil�lli'll�l,��l,I�I TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number 00017157428 New Balance $4,562.72 Minimum Payment Due $136.00 Payment Due Date September 25, 2011 Amount Enclosed $ TARGET* a `00000` N 11 u Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: August 28, 2011 TRAVIS W SMITH Page 2 of 3 important Messages Go Paperless Sweepstakes Less clutter, more trees. We're giving away $10,000 worth of Target GiftCardsu to cardholders who switch to online -only REDcarde statements." Visit Target.comircam for your chance to win. "See rules at Target.comipaperless. NO PURCHASE•NECESSARY. Sweepstakes ends 9/1/11 at 11:59 pm. CDT. Open only to legal residents of the 50 United States or D.C. who are Target Credit Card® or Target® Visa® Credit Card account holders and who enroll for paperless statements during the Promotion Period and are 18 years of age or older as of date of entry. See Official Rules at (Target.com/papertess) for additional eligibility restrictions, prize descriptions/ restrictions/ARVs and complete details. Odds of winning depend on the number of eligible entries received. Void where prohibited. SPONSOR: Target Corporation: 1000 Nicollet Mall, Minneapolis, MN 55403. Transactions Trans Date Aug. 2 Aug. 25 Aug. 25 Jul. 28 Aug. 20 Aug. 24 Aug. 25 Description of Transaction or Credit E -PAYMENT, TARGET'COM E -PAYMENT, TARGET.COM E -PAYMENT, TARGET.COM DOLRTREE 908 00009084 TARGET 00022418 DOLLAR -GENERAL #8418 MCDONALD'S F11802 i rs' ii+. - - ;,<:, INTEREST CHARGE -PURCHASES J Location "'edits , TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD CAtl 88 CARLISLE, PA CHAMBERSBURG, PA NEWVILLE, PA CHAMBERSBURG, PA TOTAL PURCHASES AND OTHER DEBITS FOR THIS PERIOD TOTAL INTEREST CHARGED FOR THIS PERIOD Total fees charged in 2011 Total interest charged in 2011 $25.00 $597.88 Amount 4105.00 4150.00 48.00 4263.00 $6.36 $46.63 $14.34 $3.06 $70.39 $89.84 $89.84 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. e of �slanCe ; Purchases Cash Advances 22.90% (v) 22.90% (v) antis Stir $4,619.75 $0.00 (v) = Variable Rate There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. ,, triteres $89.84 $0.00 TARGETR 11 11 "00000' 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: August 28, 2011 TRAVIS W SMITH Page 3 of 3 Benefits Summary The REDcard saves you 5% off our . already low prices at Target stores and at Targetcom. Use your REDcard today and every day, and enjoy savings on almost anything at Target. Some exclusions apply, See program rubs in your Target store for details. Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. Seo store or Target.corn/tcoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% -off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Target.com/pharmacy rewards for details. Special Announcements and Exclusive Offers Use your REDcard©, save 5% at Target -every day. Your REDcard has a big benefit: Now it saves you 5% at Target, on almost anything you want, any time you shop. Just use your card to make our already low prices that much lower. See the program rules in store for restrictions. u 11 u 11 u 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: September 28, 2011 TRAVIS W SMITH Page 1 of 2 Summary of Account Activi Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged Interest Charged $4,562.72 -$136.00 +$49.26 +$0.00 +$0.00 +189.91 New Balance Total Credit Limit Cash Limit Available Credit Portion Available for Cash The Cash Limit is a portion of the Total Credit imit $4.565.89 $4,800.00 $0.00 $234.11 $0.00 Statement Closing Date 9/28/2011 Days in Billing Cycle 31 For questions, an address change or to report a lost or stolen card, go online or call us: Target.comiredcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) Manage My REDcard Target Credit Services TDD/TDY Outside the U.S. Calling will not preserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date $4,565,89 $136.00 10/25/2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $35.00 late fee. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: It y u fittake no additionl Thai ges i 04.3t0-00.afid each Month y#t! pads + u OY ciff the t {att a show n this statement tf1 t } '' out. iii Arta yc u wut , nd up paying '!• s estimated totat Only the minimum Payment 18 years $11,685 $177 3 years $6,372 (Sauings:$5.513) f you would like information about credit counseling services, call 1-800-991-8433. Transactions Trans Date Sep. 25 Description of Transaction or Credit E -PAYMENT, TARGET.COM Aug. 29 WM SUPERCENTER Location TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD Itrearxs 1. Amount -$136.00 -$136.00 SHIPPENSBURG, PA 9.88 (transactions continued on next page) EW PHONE: HOME OR -MAIL ADDRESS? _EASE UPDATE ON EVERSE SIDE. ?FACE COPY Target Nallonal Bank, an efEIIate or Target Stues NOTICE.' SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK 1111111111111111111111111111111111 TARGET NATIONAL BANK P.O. BOX 660170 DALLAS TX 75266-0170 I1IIIIIIIIIruuIIIIhhhIrrll"lhIIIIII111"1IIIIrI111111nullll' TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number 00017157428 New Balance $4,565.89 $136.00 Payment Due Date October 25, 2011 Amount Enclosed $ Minimum Payment Due TARGET, N b O 11 `0000) 11 N V Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: September 28, 2011 TRAVIS W SMITH Page 2 of 2 CARLISLE, PA CHAMBERSBURG, PA SHIPPENSBURG, PA TOTAL PURCHASES AND OTHER DEBITS FOR THIS PERIOD INTEREST CHARGE -PURCHASES TOTAL INTEREST CHARGED FOR THIS PERIOD Total interest charged in 2011 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. l3alaitie Purchases Cash Advances (v) = Variable Rate 22.90% (v) 22.90% (v) tance`'SUb..I 1nterest`'R $4,623.67 $0.00 There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. $89.91 $0.00 Benefits Summary The REDcard saves you 5% off our already low prices at Target stores and at Targetcom. Use your REDcard today and every day, and enjoy savings on almost anything at Target. Some exclusions apply. See program rules in your Target store for details. Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Target.com/lcoo for details. Enroll in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% -off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Tatgel.com/pharmacy rewards for details. TARGET, N w 11 *00000' 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: October 28, 2011 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Past Due Amount Fees Charged Interest Charged $4,565.89 -$0.00 +$6.14 +$0.00 $136.00 +$36.00 +$86.92 New Balance Total Credit Limit Cash Limit Available Credit Portion Available for Cash The Cash Limit is a portion of the Total Credit Limit $4,693.95 $4.800.00 $0.00 $106.05 $0.00 Statement Closing Date 10/2812011 Days in Billing Cycle 30 For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target.com/redcard Target Credit Services 1-888-755-5856 TDD/TDY 1-800-347-5842 Outside the U.S. '1-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date $4,693 95 $305.00 11/25/2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $35.00 late fee. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Y f€ you utak nb a tionai tharg s using this card and ' o each mnth you S S f tti ti-',-:. it€Ypay f€'t8 o a 144. this statetrient,in i f4 Y 't ,, And yc�tt t�tifl ,`t" an estttrl Only the minimum Payment 18 years $11,934 f you would like information about credit counseling services, call 1-800-991-8433. Important Messages Missed Payment! We didn't receive your minimum payment by your last due date. If you've made the payment since then, thank you' If you haven't, please make a payment by going to Target.comlredcard and clicking on "Manage My REDcard" or by calling us at (888) 608-7627. You can also make a payment at any Target store or with the enclosed envelope. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. TARGET, -W PHONE. HOME OR .MAIL ADDRESS? _EASE UPDATE ON _VERSE SIDE. ►FFICE COPY Target Nationet Bank, an affiliate of Target Stofea NOTICE. SEE REVERSE SIDE FOR IMPORTANT INFORMATION THIS PORTION WITH YOUR PAYMENT' MADE PAYABi.E TO TARGET NATIONAL BANK 11111 111111110111 IIAIV911 111 TARGET NATIONAL BANK P.O. BOX 660170 DALLAS TX 75266-0170 1'IIIIIIIIIIn111I11"'I"IIru1l1111II'll"IIIII,III'1'IIIIII111, TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number 00017157428 New Balance $4,693.95 $305.00 November 25, 2011 Minimum Payment Due Payment Due Date Amount Enclosed $ -pedal Announcements and Exclusive Offers TARGET 11 11 11 11 0000 11 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: October 28, 2011 TRAVIS W SMITH Page 2 of 2 Transactions Trans Date Description of Transaction or Credit Location Amount PyneflsAndOthefedIts No payments or credits were received last month. Sep 27 US 31761 06217616 ',;.,;i:!:!';;M*.0,!.#.##1,904P4'.1#•!--.0.00!!;*4 ........................................................................................................................................................................................ CHAMBERSBURG, PA $6.14 TOTAL PURCHASES AND OTHER DEBITS FOR THIS PERIOD $6.14 ees Oct. 25 LATE PAYMENT FEE $35.00 TOTAL FEES FOR THIS PERIOD $35.00 INTEREST CHAR ............ $86.92 $86.92 ......... TOTAL INTEREST CHARGED FOR THIS PERIOD rr, Total fees charged in 2011 Total interest charged in 2011 $60.00 $774 71 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Purchases Cash Advances (v) = Variable Rate There is a Minimum Charge!of $1.00 for any billing period in which an interest charge is imposed. 22.90% (v) 22.90% (v) ititerestRate, $4,618,53 $0.00 Benefits Summary The REDcard saves you 5% off our already low prices at Target stores and at Target.com. Use yo'ur REDcard today and every day, and enjoy savings on almost anything at Target. 3ome exclusions apply. See program rules in our Target store fa details. Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need Subject to Take Charge of Education program rules. See store or Target.comitcoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5`)/0 -off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Target.com/pharmacy rewards for details_ Wore Field Trips. More Books. More Computers. )id you know that as a REDcarde holder, you can help your K-12 school get the stuff it needs just by enrolling in Take Charge kf Education and shopping with your card? Since 1997, REDcard holders who have iesignated a school through the program have helped us give over $300 million to classrooms iationwide. Learn more and enroll at Target.com/TCOE. TARGET. A 11 u q '0o000" b V Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: November 28, 2011 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged Interest Charged $4,693.95 4305.00 +$0.00 +$0.00 +30.00 +388,10 New Balance $4,477.05 Total Credit Limit $4,800.00 Cash Limit $0.00 Available Credit $322.95 Portion Available for Cash $0.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 11/28/2011 Days in Billing Cycle 31 For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target Credit Services TDD/TDY Outside the U.S. Target.com/redcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date $4,477.05 $133.00 12/25/2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $35.00 late fee. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: 11 yoit rtalce #io afldlt##3t�atd fi r e5 } using this caul arra month yoga play ? t You wiU pay fsff Atte ': tint n sho n o this sfaterrrenlM1ah ` ` ; .aboUt st r irrr Andyob will s 1} Std up d ##tt h atimated ,.at ;,':t Istat of , y `,si Only the minimum Payment qg years $11,636 $173 3 years $6'228 (Savings=$5.404) f you would like information about credit counseling services, call 1-800-991-8433, Transactions Trans Date Description of Transaction or Credit Nov. 8 E -PAYMENT, TARGET.COM Location St Amount -$305.00 TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD -$305.00 (transactions continued on next page) TARGET+ EW PHONE, HOME OR -MAIL ADDRESS? _EASE UPDATE ON EVERSE SIDE. )FF ICE COPY Target National Barrie. an affiliate of Target Stores NOTICE, SEE REVERSE SIDE FOR IMPORTANT INFORMATION NCLUOE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGE' NATIONAL BANK 111111111 ilililIlI III III Itlll II II TARGET NATIONAL BANK P.O. BOX 660170 DALLAS TX 75266-0170 Irllllllllll"111111"+111'rllllllllillnlllllrlllrl'lllllllll' TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number 00017157426 New Balance $4,477.05 Minimum Payment Due $133.00 Payment Due Date December 25, 2011 Amount Enclosed $ TARGET4 11 11 11 *00000 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: November 28, 2011 TRAVIS W SMITH Page 2 of 2 Transactions (cont.) Trans Date Description of Transaction or Credit Location nterest Charged INTEREST CHARGE -PURCHASES Amount $68.10 TOTAL INTEREST CHARGED FOR THIS PERIOD $88.10 2011 Totais Year -to -Date Total fees charged in 2011 Total interest charged in 2011 $6000 $862.61 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type �faIance Purchases Cash Advances Annual Percentage Rate (A ...... 22.90% (v) 22.90% (v) (v) = Variable Rate There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. Benefits Summary The REDcard saves you 5% off our already low prices at Target stores and at Target.com. Use your REDcard today and every day, and enjoy savings on almost anything at Target. Some exclusions apply. See program rules in your Target store for details. Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Targel.corndcoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% -off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See stoic! or Target.com/pharmacy rewards for details. Special Announcements and Exclusive Offers It's here: REDcard Free Shipping at Target.com. Now REDcard delivers even more savings: just use your REDcard at Target.com for 5% off plus Free Shipping on all your purchases, with no membership fee and no minimum purchase. So you're saving more on nearly everything at Target — including hundreds of online -exclusive items -- easy as Browse, Click, Ship. Some restrictions apply. See Target.com/redcard for details. TARGET+ 11 *0000ID* 1111 N� Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: December 28. 2011 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged Interest Charged $4,477.05 -$133.00 +$32.22 +$0.00 +$35.00 +$85.27 New Balance Total Credit Limit Cash Limit Available Credit Portion Available for Cash $4,496.54 $4,800.00 $0.00 $303.46 $0.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 12/28/2011 Days in Billing Cycle 30 For questions, an address change or to report a lost or stolen card, go online or call us: Target.comiredcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) Manage My REDcard Target Credit Services TDD[TDY Outside the U.S. Calling will not preserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date $4,496.54 $166.00 1/25/2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $35.00 late fee. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you rriake. r additlohat tha'r:.l_ tttstig this Gal r a each month yGU p Only the minimum Payment u wi pay lance shown IS Statement 18 years you';r up pytn ihi*' $11,634 $174 3 years $6,264 (Savings=$5.370) If you would like information about credit counseling services, call 1-800-991-8433. Important Messages Product Safety Guest safety continues to be a top priority for Target. Visit Target.com or any Target in-store kiosks for product safety alerts and recall information. TARGETe JEW PHONE. HOME OR E-MAIL ADDRESS? 'LEASE UPDATE ON EVERSE SIDE. OFFICE COPY Target Nation& Bank. an affiliate of Target Stores NOTICE SEE REVERSE SIDE FOR IMPORTA.NT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK VIIIIIII IIIIIII11 IEYIYYV W TARGET NATIONAL BANK P.O. BOX 660170 DALLAS TX 75266-0170 hllllllllll" Illlaml"ll"IIIIII1611 IIIII'll61'llllllllr TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number New Balance Minimum Payment Due Payment Due Date Amount Enclosed $ 00017157428 $4,496.54 $166.00 January 25, 2012 Special Announcements and Exclusive Offers TARGET u u '00000' 11 u Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: December 28, 2011 TRAVIS W SMITH Page 2 of 2 Trans Date Description of Transaction or Credit TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD .i �� CtHAMB'ERSBURG. PA TOTAL, PURCHASES AND OTHER DEBITS FOR THIS PERIOD TOTAL INTEREST CHARGED FOR THIS PERIOD 'Total fees charged in 2011 Total interest charged in 2011 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Purchases Cash Advances 22,90% (v) 2290% (v) 54,530.98 $0.00 (v) = Variable Rate There is a Minimum Charge'of $1.00 for any billing period in which an interest charge is imposed. $85.27 $0.00 Benefits Summary The REDcard saves you 5'/0 off our already low prices at Target stores and at Target.com. Use your REDcard today and every day, and enjoy savings on almost anything at Target. Some exclusions apply. See program rules in your Target store for details. Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Target.comitcoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% -off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Target.com/pharmacy rewards for details. REDcard Free Shipping,, for the holidays and every day. Use your REDcard® for free standard shipping on all your Target.com purchases, plus an extra 5% off our already Ioi,v prices. So; you save even more on your list this season and on shopping year-round. Some restrictions apply. See program rules in store or at Target.com/redcard for details, 11 Target Visa Credit Card moomt Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: January 28, 2012 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Past Due Amount Fees Charged Interest Charged $4,496.54 '$lOO +$283.80 +$0.00 5166.00 +$3s.00 ~*un.m New Balance $4,905 95 Total Credit Limit i4,800.00 Cash Limit $0.00 Available Credit $0.00 Portion Available for Cash $0,00 The Cash Limit is a portion of theTota|Cn:ditUmi, Statement Closing Date 1/28/2012 Days in Billing Cycle | 31 For questions, an address change or to repor a lost or stolen card, go online or call us: Manage My REDcard Target Credit Services TDD/TDY Outside the U.S. 1-888-755-5856 1-800347-5842 1-612-30-862Z(Call Collect) C&/ing will not gesetve rights New Balance Minimum Paymerit Due Payment Due Date Late not receive your minimum payment by the date listed above, you may have to pay up to a $35.00 late fee. Minimum Payment Warning: If you make only the minirnum payment eachperivu.yov~NpaymnreininteramandKwN|mhe you longer to pay oft your balance. For eampIe: / you would like information about crecltt counseling services call 1-800-991-8433. Important Messages Missed Payment! We didn't receive your minimum payment by your Iast due date. If youve made the payment since then, thank yau If you havon't.please make apayment hygo'ngtuTaxgetcomkedoardando|ickingon''k8anagoMyREDoond"orbyoaUmQum ut(8&B)6V8-TG2T.You can 'Also make apayment at any Target store or with the enclosed envelope. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. TARGET!, IEW PHONE, HOME OR -MAIL ADDRESS? LEASE JPOATE O4 EvsRSE^.oc WFICE COPY Target National . on affttiate of Target Sloret NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION InlITH YOUR PAYPAENT MADE PAYABLE TO TARGET NATIONAL BANK 1111111111111111111111111111111111 'TARGET NATIONAL BANK DBOX 660170 DALLAS TX 76266-0170 TRAVIS W SMITH 175 WHISKEY RUN RD NEVVVILLE ;PA 17241-8601 Account Number Account Identification Number 0001715742e New Balance $4.905W5 $341.00 Minimum Payment Due Payment Due Dale Only the minimum Payment 18 years $12,492 / you would like information about crecltt counseling services call 1-800-991-8433. Important Messages Missed Payment! We didn't receive your minimum payment by your Iast due date. If youve made the payment since then, thank yau If you havon't.please make apayment hygo'ngtuTaxgetcomkedoardando|ickingon''k8anagoMyREDoond"orbyoaUmQum ut(8&B)6V8-TG2T.You can 'Also make apayment at any Target store or with the enclosed envelope. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. TARGET!, IEW PHONE, HOME OR -MAIL ADDRESS? LEASE JPOATE O4 EvsRSE^.oc WFICE COPY Target National . on affttiate of Target Sloret NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION InlITH YOUR PAYPAENT MADE PAYABLE TO TARGET NATIONAL BANK 1111111111111111111111111111111111 'TARGET NATIONAL BANK DBOX 660170 DALLAS TX 76266-0170 TRAVIS W SMITH 175 WHISKEY RUN RD NEVVVILLE ;PA 17241-8601 Account Number Account Identification Number 0001715742e New Balance $4.905W5 $341.00 Minimum Payment Due Payment Due Dale .-pecial Announcements and Exclusive Offers TARGET. 11 If 11 11 -.10000," 11 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: January 28, 2012 TRAVIS W SMITH Page 2 of 2 Transactions Trans Date Description of Transaction or Credit 1. No payments Cr credits were received last mont Jan. 9 003 CENTURYLINK MY ACCOUN Jan. 17 TARGET 00022418 Jan. 24 ATTM*464012866858PH1 Location Amount h. 800-201-4099. LA CHAMBERSBURG, PA 800-331-0500, GA TOTAL PURCHASES AND OTHER DEBITS FOR THIS PERIOD Jan. 25 LATE PAYMENT FEE ,, ............................................................................ INTEREST CHARGE -PURCHASES $133.09 $23.46 $127.25 $283.80 $35.00 TOTAL FEES FOR THIS PERIOD $35.00 TOTAL INTEREST CHARGED FOR THIS PERIOD Total fees charged in 2012 Total interest charged in 2012 $35.00 $90.61 $90.61 $90.61 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Cash Advances (v) = Variable Rate There is a Minimum Chargeiof $1.00 for any billing period in which an interest char :RiON centaqe Rate 22.90% {v) 22.90% (v) 4400AiPOPigOtfOInterest Rate r, $4,659.66 $0.00 posed. $90 61 $0.00 Benefits Summary The REDcard saves you 5% off our already low prices at Target stores and at Target.com. Use your REDcard today and every day, and enjoy savings on almost anything at Target. Some exclusions apply. See program rules in your Target store for delaifs. Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge or Education program rules. See store or Targercomitcoe for details_ Free Shipping at Target.com Now the REDcard delivers even more savings. Get Free Shipping on your purchases, plus 5% off everyday when you use your REDcard at Target.com. Some restrictions apply. Please sae Targel.comiREDcard for details. Why go paperless? Smart reasons to switch... By choosing online -only REDcard & statements, you're helping savelrees and cutting clutter in your mailbox aach month. Download your monthly statement as a PDF, so it's easy to review and save. Make the switch today at Target.com/rcam. TARGET. 11 11 *00000 11 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number 00017157428 Statement Closing Date: February 28, 2012 TRAVIS W SMITH Page 1012 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Past Due Amount Fees Charged Interest Charged $4,905.95 -$0.00 +$0.00 +$0.00 $341.00 +$36,00 +896.39 New Balance $5,037.34 Total Credit Limit $4,800.00 Cash Limit $0.00 Available Credit $0.00 Portion Available for Cash $0,00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 2/28/2012 Days in Billing Cycle 31 For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target Credit Services TDD/TDY Outside the U.S. Target.com/redcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date $5037.34 $523.00 3/25/2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $35.00 late fee. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: ,.,i.,-ij.,',,.•,-..',I,I..I,Iij:::IV,;.'I,i''';q,'•!.II *:y406104:.;,P;Qor 4ctotroo**14(0. using this 0,00 ffido111,,,.41,k1):Ayv ,PO.)#.11t,PAY::.i.Oft#11 !.):.410.0q#,;!:00#A011 this statement n #P..,914,4,, .,,,,,,,,qi, 0*:)4.itYiltIgt - ' - an estimated Only the minimum Payment 18 years $12,533 f you would like information about credit counseling services, call 1-800-991-8433. Important Messages Payment Options for YourAccount Your account is still past due. We know you want to keep your account in good standing, and we may be able to help by offering special payment options. To learn more, go to Target.comiredcard and click on "Manage My REDcard" or call us at (888) 608-7627. TARGET. Ed PHONE. HOME OR -MAIL ADDRESS? LEASE UPDATE ON EVER5E SIDE. )FFICE COPY Target National Bank. en affillate ol Target Stores NOTiCE, SEE REVERSE SIDE FOR iMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK 111111111111111111 1111111111111111 TARGET NATIONAL BANK P0.BOX 660170 DALLAS TX 75266-0170 111111111111"1111111"1"11"111111111111111111111+111111111 TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Number Account Identification Number New Balance Minimum Payment Due Payment Due Date Amount Enclosed $ XXXX-XXXX-XXXX-2686 00017157428 $5,037.34 $523.00 March 25, 2012 TARGET!, 11 11 11 11 11 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date; February 28, 2012 TRAVIS W SMITH Page 2 of 2 Transactions Description of Transaction or Credit Location Amount • No payments or credits were received last month. Feb. 25 LATE PAYMENT FEE $35,00 ............................... INTEREST CHARGE -PURCHASES TOTAL FEES FOR THIS PERIOD $35,00 .......................................................................... $96,39 $96.39 TOTAL INTEREST CHARGED FOR THIS PERIOD YearAoa-,0 Total fees charged in 2012 Total interest charged in 2012 $70.00 $187.00 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. '1. Baance Subject AWailOgAnnual Percentage Rate (APR) Interest Rite Purchases Cash Advances (v) Variable Rate 22.90% (v) 22.90% (v) $4956.91 $0.00 There is a Minimum Charge Of $1.00 for any billing period in which an interest charge is imposed. $96.39 $0.00 TARGET, 11 11 11 11 00000' 11 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: March 28, 2012 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Past Due Amount Fees Charged Interest Charged $5,037.34 -$192.00 +$0.00 +$0,00 $331.00 440.00 +$91.97 New Balance $4,937.31 Total Credit Limit $4,800.00 Cash Limit $0.00 Available Credit $0.00 Portion Available for Cash $0.00 . The Cash Limil is a portion of the Total Credit Limit Statement Closing Date 3/28/2012 Days in Billing Cycle 29 For questions, an address change or to report a lost or stolen card, go online or call us: Target.com/redcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) Manage My REDcard Target Credit Services TDD/TDY Outside the U.S. Calling will not greserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date $4,937.31 $396.00 4/25/2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $35.00 late fee. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. Fix example: ...:!i',:,,,,,Ali,:.Th;i:..,,ii:".' lf.:;y601,itiakeno• 4.0011000',00f:604,, using this e.540;!pionitty00.po ,tittIMItotity.,6ft 0 b04004i;41#ii;,...:on ths stalement " • 014Lm•,- ' '' i'l,q,:r:•;41,1.,,,,4.,, ypitvarM end up paysng ti , Only the minimum Payment 19 years $12,276 f you would like information about credit counseling services, call 1-800-991-8433. Important Messages You have been approved for a temporary payment arrangement. Each month, lust make the payment you agreed to of $65.00 by your billing date, and your account will not be assessed late fees or become further past due. If you can't make your payment on time, please call us at (888) 608-7627. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. TARGET. PHONE. HOME OR -MAIL ADDRESS? LEASE UPDATE ON EVERSE SIDE. )FFICE COPY Target Nelional 5N,. en affiliate or Target Stores NOTICE, SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MACE PAYABLE TO TARGET NATIONAL BANK 1111111111111111111111111111111 TARGET NATIONAL BANK P0, BOX 660170 DALLAS TX 75266-0170 111111111111"1111111"1"11"1/111111111"111111111111111111111 TRAVIS W SMITH 175 WHISKEY RUN RD NEVVVILLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number 00017157428 New Balance $4,937.31 $396.00 Payment Due Date April 25, 2012 Amount Enclosed $ Minimum Payment Due TARGET 11 11 *00000* 11 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: March 28, 2012 TRAVIS W SMITH Page 2 of 2 Transactions Trans Date Description of Transaction or Credit Location Amount •Paymenia . .. . ..• „ , And Other Cradtts • " - ,=7" Mar. 25 PHONE PAYMENT HARRISBURG, PA 4192.00 TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD -$192,00 - .... INTEREST CHARGE -PURCHASES 2O12P Total fees charged in 2012 Total interest charged in 2012 TOTAL INTEREST CHARGED FOR THIS PERIOD $70.00 $278,97 $91.97 $91.97 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Purchases Cash Advances (v) = Variable Rate There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. PR 22.90% (v) 22,90% (v) ilance Subject lo nterst Rate $5,055.33 $0.00 Interest $91.97 $0.00 TARGET. 11 11 11 DOC Of 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: April 28, 2012 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Past Due Amount Fees Charged Interest Charged $4,937.31 455.00 +$0.00 +$0.00 $331.00 +$0.00 +$41.98 New Balance $4,914.29 Total Credit Limit $4,800.00 Cash Limit $0,00 Available Credit $0.00 Portion Available for Cash $0.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 4/28/2012 Days in Billing Cycle 31 For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target Credit Services TDD/TDY Outside the U.S. Target.com/redcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) Calling will not pr e s e ry e your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date $4,914.29 $396.00 5/25/2012 Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: • ,' ttlti:6',4ilAii#60;i 0001O.,„40141A1744 .,,, :',0$1,#gTr)16-ii4.0.1:#404g ii0:i*iiii460iPq:e ,0;,ft;iUti•iqi'Ai,W,.,/,,,,,-,..',.i. . YttUiVild pay alt 010pg',0CPrtq Wstaternentirt);;gp',an about..: you w1H ,.. '4 ' estimated Only the minimum Payment 18 years $12,223 f you would like information about credit counseling services, call 1-800-991-8433. Important Messages You have been approved for a temporary payment arrangement. Each month, just make the payment you agreed to of $65,00 by your payment due date, and your account will not be assessed late fees or become further past due. if you can't make your payment on time, please call us at (888) 608- 7627. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. TARGET. EW PHONE. HOME OR -MAJL ADORES -57 LEASE UPDATE ON EVERSE SIDE. )FFICE COPY Target National Bank. an affiliate of Target Stores NOTICE. SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK 1111111111111111111111111111111111 TARGET NATIONAL BANK P0.BOX 660170 DALLAS TX 75266-0170 0111111111"111111"11"11"11111111111"111111111+1111111111 TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number 00017157428 New Balance $4,914.29 $396.00 May 25, 2012 Minimum Payment Due Payment Due Date Amount Enclosed $ Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: April 28. 2012 TRAVIS W SMITH 1 Page 2 of 2 11 11 00000 11 11 11 Transactions Trans Date Description of Transaction or Credit Apr 25 PHONE PAYMENT Payments And h C TOTAL PAYMENTS AND Location Amount HARRISBURG, PA 465.00 OTHER CREDITS FOR THIS PERIOD -$65.00 INTEREST CHARGE -PURCHASES $$4411..9988 TOTAL INTEREST CHARGED FOR THIS PERIOD ?ii..,-=‘!•."- !...,'..giie.•:: 1A1-,fi',;P-'-':',,.,n;*.,?.,(,.r.i'-;:;,1:;',0,:i-,•-a,e,„ 2012rtit641..y*iodw $70.00 $320.95 Total fees charged in 2012 Total interest charged in 2012 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. 1-40#1PtA*00000,IM.B0., Purchases Cash Advances Batance Sub nual'Percentaqe Rati? (APR) Interest Rate 9.99% 9.99% There is a Minimum Charge Of $1,00 for any billing period in which an inter $.4.949.23 $0 00 st charge is imposed. TARGET. 11 11 11 11 *00000' 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: May 28, 2012 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged Interest Charged $4,914.29 -$65.00 +$0,00 +$0.00 +$0.00 +$40.43 New Balance $4,88972 Total Credit Limit $4,800,00 Cash Limit $0.00 Available Credit $0.00 Portion Available for Cash $0,00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 5/28/2012 Days in Billing Cycle 30 For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target Credit Services TDDaDY Outside the U.S. Target.com/redcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights 11 Payment Information New Balance Minimum Payment Due Payment Due Date $4,889.72 $65.00 6/25/2012 Minimum Payrnent Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: • you make no additional tiitkolf qJand W46Kti0.1Y.i:YPMgr, .. iil.A,,,, 0,41*v,,,lf,„,,,,,,... eshown on i40:„, this statemeitt in „.„,,,,,, ,,,,,. , , ying - • '.. estirnated an:,, Only the minimum Payment is years $12,875 $180 3 years $6480 (Savings=$6,395) t you would like information about credit counseling services, call 1-800-991-8433. Important Messages You have been approved for a temporary payment arrangement. Each month, just make the payment you agreed to of $65.00 by your payment due date, and your account will not be assessed late fees or become further past due. If you can't make your payment on time, please call us at (888) 608- 7627. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. EW PHONE. HOME OR -MAIL ADDRESS/ LEASE. UPDATE ON EVERSE SIDE. )FFICE COPY Target National Bar*an attitIate of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK 111111111111111111111111111111111 TARGET NATIONAL BANK P0.BOX 660170 DALLAS TX 75266-0170 l'1111111111"111111"11"11"1111111111"11/11111111111111 II TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number 00017157428 New Balance $4,889.72 Minimum Payment Due $65.00 Payment Due Date June 25, 2012 Amount Enclosed $ -pecial Announcements and Exclusive Offers TARGET,. 11 11 11 11 "0000t..' 11 11 Target Visa Credit Card' Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: May 28, 2012 TRAVIS W SMITH Page 2 of 2 11 Transactions Trans Date Description Of Transaction or Credit Location Amount . '-i';'0,.',.c',):,.!.•FT:,,;r:-.,,i.i.,i.l'iiiji'i•:i:iM-::1.51•:ii.:.,4ioip.mg,,,:;,.ii,-':4-','-'.'..--,1.'"--1:::ii;.:,;.::.„,,,,',0,1,Uniagnil'AN:00240gaelellail: May 25 PHONE PAYMENT HARRISBURG, PA -$65.00 TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD -$65.00 INTEREST CHARGE -PURCHASES $40.43 TOTAL INTEREST CHARGED FOR THIS PERIOD $40.43 2012 Totais Year -to -Da Total fees charged in 2012 Total interest charged in 2012 $70.0O $361.38 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. TVpe 130:060WV,Nia-4,5%,,-,,Aff Annual PercenL,,. Purchases Cash Advances 9.99% 9.99% There is a Minimum Charge of $1.00 for any billing period in which an in $0.00 rest charge is imposed. Benefits Summary The REDcard saves you 5% off our already low prices at Target stores and at Target.com. Use your REDcard today and every day, and enjoy savings on almost anything at Target. Some exclusions apply. See proram rules in your Target store for details. 2012 REDcard Savings: $1.23 Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See shoe or Targel.comilcoe for details. Enroll in Target Pharmacy Rewards. Then, till just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% off shopping day at Target. Subject to Target Pharmacy Rewards program rules, See store or Target.com/pharmacy rewards tor details. Nhy go paperless? Smart reasons to switch... 3y choosing online -only REDcard® statements, you're helping save trees and cutting clutter in your mailbox aach month. Download your monthly statement as a PDF, so it's easy to review and save. Make the switch .oday at Target.comircam. TARGET, 11 ..00000 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: June 20. 2012 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged Interest Charged $4,889.72 -$65.00 +$0.00 +$0.00 +$0.00 +$41.67 New Balance $4,866.29 Total Credit Limit $4,800.00 Cash Limit $0.00 Available Credit $0.00 Portion Available for Cash $0.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 6/28/2012 Days in Billing Cycle 31 For questions, an address change or to report a lost or stolen card, go online or call us: Target.com/redcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) Manage My REDcard Target Credit Services TDD/TDY Outside the U.S. Calling will not ,reserve your, billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date $4,866.29 $65.00 7/25/2012 Minimum Payment Warning: If you make onty the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: • tr ttrake nd addittohat charges usrng thrs card and $ each month you pati �otr wr►t,pay off th+ IS balanc ,sht wr o r tats t tement 1n aacut f ,' ArttY, oft wits}, t end up thga h e #rrn&fed 3{ to#fit, of ` Only the minimum Payment 19 years $12,810 $180 3 years $6,480 (Savings=$6.334) f you would like information about credit counseling services, call 1-800-991-8433. Important Messages You have been approved for a temporary payment arrangement. Each month, just make the payment you agreed to of $65.00 by your payment due date, and your account will not be assessed late fees or become further past due. If you can't make your payment on time, please call us at (888) 608- 7627. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. TARGET, EW PHONE. HOME OR -MAIL ADDRESS/ :EASE UPDATE ON EVERSE SIDE. )FFICE COPY Target Natlonat Bank. en affiliate of Target Stores NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK 11111 IHI 111111111 IIImIINYIV TARGET NATIONAL BANK P.O. BOX 660170 DALLAS TX 75266-0170 IIIIIIIIIIIIuIIIIII'"I"IIr'IIIIIIII'II"IIIII'III'I,IIIIIIIIi, TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number 00017157428 New Balance $4,866.29 Minimum Payment Due $65.00 Payment Due Date July 25, 2012 Amount Enclosed $ -pecial Announcements and Exclusive Offers TARGET., d u u 11 '0000©' 11 u 11 Target Visa Credit Card: Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: June 28, 2012 TRAVIS W SMITH Page 2 of 2 Transactions Trans Date Description of Transaction or Credit Location Amount HARRISBURG, PA TOTAL PAYMENTS AND OTHER CREDtTS FOR THIS PERIOD NTEREST CHARGE -PURCHASES TOTAL INTEREST CHARGED FOR THIS PERIOD Total fees charged in 2012 'Total interest charged in 2012 $70.00 $402.95 41.57 $41.57 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual nterest rate on your account. Purchases Cash Advances 9.9996 9.99% There is a Minimum Charge of $1.00 for any billing pe $4,901.44 $0.00 d in which an interest charge is imposed. $41.57 $0.00 Benefits Summary The REDcard saves you 5% off our already low prices at Target stores and at Target.com. Use your REDcard today and everyday, and enjoy savings on almost anything at Target. Some exclusions apply. See program rutas in your Target store for details. 2012 REDcard Savings: '$1.23 Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store a Targel.co Vtcoe for details_ Enroll in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See stare or Targel.cam!pharmacy rewards for details. It's here: REDcard Free Shipping at Target.com. Vow REDcard delivers even more savings: just use your REDcard at Target.com for 5% off plus Free Shipping on all your purchases, with no membership fee and no minimum purchase. So you're saving more Nn nearly everything at Target — including hundreds of online -exclusive items — easy as Browse,Click,Ship. Some restrictions apply. See Target.com/redcard for details. TARGET, 9 11 d "00000' u 111 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: July 28, 2012 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged Interest Charged $4,866.29 -$65.00 +$0.00 +$0.00 +30.00 +340.03 New Balance Total Credit Limit Cash Limit Available Credit Portion Available for Cash The Cash Limit is a portion of the Total Credit Limit Statement Closing Date Days in Billing Cycle $4,841.32 $4,800.00 $0.00 $0.00 $0.00 7/28/2012 30 For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target Credit Services TDD/TDY Outside the U.S. Target.comiredcard 1-888-755-5856 1-800-347-5842 ' 1-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date $4,841.32 $65.00 8/25/2012 Minimum Payment Warning: if you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make t1 adddion4charges using,thiscat et and each rl onth yo r;pay' Ybtt uwut veff the, batanoe,Shown onr this statement in abbot' ' nd you` r1tt ' , e0 up pay rig I an estbrrtafed total Only the minimum Payment 19 years $12,747 $180 3 years $6 480 (Savings=$6.267) f you would like information about credit counseling services, call 1-800-991-8433. Important Messages You have been approved for a temporary payment arrangement. Each month, just make the payment you agreed to of $65.00 by your payment due date, and your account will not be assessed late fees or become further past due. If you can't make your payment on time, please call us at (888) 608- 7627. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. TARGET. EW PHONE. HOME OR -MAIL ADDRESS? _EASE UPDATE ON TERSE SIDE. tFFICE COPY Target Natlonat Bank. an affiliate of Target Stores NOTICE' SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK IIIEIIIIIIIIJJIII IIIIIIIIIIIIIIII TARGET NATIONAL BANK P.O. BOX 660170 DALLAS TX 75266-0170 IIIIIIIIIIIIHIIIIIIuIIIullrullliIPlrlhrllllltIlleI,IIiiitIIII TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number 00017157428 New Balance $4,841.32 Minimum Payment Due $65.00 Payment Due Date August 25, 2012 Amount Enclosed $ TARGET, N d N *00000 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: July 28, 2012 TRAVIS W SMITH Page 2 of 2 Description of Transaction or Credit HARRISBURG, PA TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD INTEREST CHARGE -PURCHASES TOTAL INTEREST CHARGED FOR THIS PERIOD Total fees charged in 2012 `Total interest charged in 2012 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Purchases Cash Advances 9.99% 9.99% There is a Minimum Charge of $1.00 for any billing p $4,876.94 $0.00 od in which an interest charge is posed. $40.03 $0.00 Benefits Summary The REDcard saves you 5% off our already low prices at Target stores and at Target.com. tJse your REDcard today and every day, and enjoy savings on almost anything at Target. Some exclusions apply. See program rules in your Target store for details. 2012 REDcard Savings: 11.23 Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Target.urmltcoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% off shopping day at Target. Subject lo Target Pharmacy Rewards program rules, See store or Target.com/pharmacy rewards for details. Special Announcements and Exclusive Offers REDcarde everyday savings: It's a big honkin' deal. From splashy pool looks to sizzling cookouts, you'll find the summer's hottest prices at Target®. And prepare to save even more with your REDcard: an extra 5% off" our already low prices at Target or Target.com, plus free shipping on Target.com purchases, Start piling on the savings this season and year-round. `Some restrictions apply. See program rules in store or Target.com/redcard for details. TARGET N N N -'Godot!° 11 I� b Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: August 28, 2012 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged Interest Charged $4,841.32 -$65.00 +$0.00 +$0.00 $0.00 s$41.16 New Balance $4,817.48 Total Credit Limit $4,800.00 Cash Limit $0.00 Available Credit $0.00 Portion Available for Cash $0.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 812812012 Days in Billing Cycle 31 For questions, an address change or to report a lost or stolen card, go online or call us: Target.com/redcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) Manage My REDcard Target Credit Services TDD,TDY Outside the U.S. Calling will not preserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date $4,817.48 $65.00 9/25/2012 Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: r you make e i dttionaf charges us,ng th>.s Card. an each month you':pa'y Only the minimum Payment ou waH pay off t Ialance:shown fhts tatement>a 19 years $12,682 $180 3 years $6,480 (Savings=$6,202) f you would like information about credit counseling services. call 1-800-991-8433. Important Messages You have been approved for a temporary payment arrangement. Each month, just make the payment you agreed to of $65.00 by your payment due date, and your account will not be assessed fate fees or become further past due. If you can't make your payment on time, please call us at (888) 608- 7627. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. TARGET, EW PHONE. HOME OR -MAIL ADDRESS? LEASE UPDA.TE ON F. VERSE SIDE. )FFICE COPY Target NatIonelBank. an affiliate of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK 1111111111111111111111111111111111 TARGET NATIONAL BANK P.O. BOX 660170 DALLAS TX 75266-0170 111111111111"1111111"1 "11"1111111611"111111111111111111111° TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number New Balance Minimum Payment Due Payment Due Date Amount Enclosed $ 00017157428 $4,817.48 $65.00 September 25, 2012 TARGET~ 11 u u 11 u Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: August 28, 2012 TRAVIS W SMITH Page 2 of 2 Important Messages (cont.) Time to Take Your REDcardt) on Vacation "No extra fees" is good news in any language, and now your Target® Visa®' Credit Card will no longer be charged an International Service Assessment Fee ("ISA Fee") when you use it outside of the United States. As of August 1, 2012, we have removed any reference to the ISA Fee from your Target Visa Credit Card Account Agreement. Under your previous account terms, your account was charged a fee equal to 3% of any transaction made outside of the U.S., Puerto Rico or U.S. Virgin Islands. Keep in mind that cash advances made outside the U.S. are subject to the same Cash Advance Fee as in the U.S. and that transactions incurred in a foreign currency are converted to U.S. Dollars under your current account terms. Transactions Trans Date Description of Transaction or Credit ........................... Aug. 25 PHONE PAYMENT Location HARRISBURG, PA TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD INTEREST CHARGE -PURCHASES ert t Char g # Amount •$65.00 -$65.00 TOTAL INTEREST CHARGED FOR THIS PERIOD 2012'T0a 1 Total fees charged in 2012 Total interest charged in 2012 $70.00 $484.14 $41.16 $41.16 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual 'interest rate on your account. Purchases Cash Advances ercenfii anclu erect': $4,852.85 $0.00 9.99% 9.99% There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. $41.16 $0.00 enefits Summary The REDcard saves you 5% off our already low prices at Target stores and at Target.com. Use your REDcard today and every day, and enjoy savings on almost anything at Target. Some exclusions apply. See program rules in our Target store for details. 2012 REDcard Savings: $1.23 Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Target.com/tcoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Targetcom/pharmacy rewards for details. TARGET% N d 11 1111 N Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: September 28, 2012 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged Interest Charged $4,817.48 -$65.00 +$0.00 +$0.00 +$0.00 +$40.98 New Balance $4,793.44 Total Credit Limit $4,800.00 Cash Limit $0.00 Available Credit $6.56 Portion Available for Cash $0.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 9/28/2012 Days in Billing Cycle 31 For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target Credit Services TDDITDY Outside the U.S. Target.com/redcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date Minimum Payment Warning: If you make only payment each period, you will pay more in interest you longer to pay off your balance. For example: $4,793.44 $65.00 10/25/2012 the minimum and it will take ` if y ou make no adt ;tlnnat charge uslrtg;thls card ant# each month your ppay You'ovIlt pay off IIIc nce'showtt on'' this ftatement u aboufl Ft tr�i`you vi111f e 1d paying , s estimat rt + totat Only the minimum Payment 19 years $12,618 $180 3 years $6.480 (Savings=$6.138) f you would like information about credit counseling services, call 1-800-991-8433. Important Messages You have been approved for a temporary payment arrangement. Each month, just make the payment you agreed to of $65.00 by your payment due date, and your account will not be assessed late fees or become further past due. If you can't make your payment on time, please call us at (888) 608- 7627. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. rARGETT =W PHONE. HOME OR MAIL ADDRESS? .EASE UPDATE ON VERSE SIDE. IFFICE COPY Target Naaonal Bank. an affiliate of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK 1111111111111111111111111111111111 TARGET NATIONAL BANK P.O. BOX 660170 DALLAS TX 75266-0170 I 111111111111"111111 "1"11"11111111111"11/11111111111111111 TRAVIS W SMITH 175 WHISKEY RUN RD NEWV1LLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number New Balance Minimum Payment Due Payment Due Date Amount Enclosed $ 00017157428 $4,793.44 $65.00 October 25, 2012 TARGET, Y 11 11 11 id Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: September 28, 2012 TRAVIS W SMITH Page 2 of 2 Transactions Trans Date Description of Transaction or Credit Sep. 25 PHONE PAYMENT Location HARRISBURG, PA TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD INTEREST CHARGE PURCHASES enargecs; TOTAL INTEREST CHARGED FOR THIS PERIOD 2012 Totals dear to [date, Total fees charged in 2012 Total interest charged in 2012 $70.00 $525.10 Amount -$65.00 -$65.00 $40.96 $40.96 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Purchases Cash Advances A�nr,u. cettag 9.99% 9.99% rttCtgst fig; $4,828.91 $0.00 There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. $40.96 $0.00 enefits Summary The REDcard saves you 5% off our already low prices at Target stores and at Target.com. Use your REDcard today and every day, and enjoy savings on almost anything at Target. Some exclusions apply. See program rules in your Target store for details. 2012 REDcard Savings: $1.23 Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Target.comdcoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Targel.com/pharmacy rewards for details. pecial Announcements and Exclusive Offers More Field Trips. More Books. More Computers. Thanks To REDcard holders. thanks to the REDcarde purchases of those enrolled in Take Charge of Education, over $300 million has gone to classrooms nationwide to help bring learning to life for kids. From art supplies to better :echnology together we're making a big difference for little students. And we couldn't be more grateful for :his loyalty and support, Learn more at Target.com/TCOE. TARGET4 11 N *C 0000* N u Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: October 28, 2012 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged Interest Charged $4,793.44 -$65.00 +$0.00 +$0.00 +$0.00 +$39.43 New Balance $4,767.87 Total Credit Limit $4,800.00 Cash Limit $0.00 Available Credit $32. 13 Portion Available for Cash $0.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 10/28/2012 Days in Billing Cycle 30 For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target Credit Services TDD/TDY Outside the U.S. Target.com/redcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Cali Collect) Calling will not preserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date Minimum Payment Warning: payment each period, you you longer to pay off your $4,767.87 $65.00 11/25/2012 If you make only the minimum will pay more in interest and it will take balance. For example: 1f ttt7!w'ttlsker b{ r additionaf charges r ustpg -this Gat d. and y' eacft month you!payt Y u will pay off his ` ottfancs shrlo(t Ihts Sia etYteft It1 about; ,ltr4fi y u Trvtli + 1 end up aY r18 {Wrr aft}estltriAtet{i totatttt Only the minimum Payment 19 years $12,552 $180 3 years $6,480 (Savings=$6,072) f you would like information about credit counseling services, call 1-800-991-8433, Important Messages You have been approved for a temporary payment arrangement. Each month, just make the payment you agreed to of $65.00 by your payment d assessed late fees or become further past due. If you can't make your payment 7627. We may report information about your account to credit bureaus. Late payments your account may be reflected in your credit report. ue date, and your account will not be on time, please call us at (888) 608- , missed payments, or other defaults on rARGET PHONE. HOME OR MAIL ADDRESS? .EASE UPDATE ON _VERSE SIDE. IFFICE COPY Target National Bark an ettltiele of Target Stoles NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE. THt5 PORTION NnTH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK 111111111111111111 1111111111111111 TARGET NATIONAL BANK P.O. BOX 660170 ' DALLAS TX 75266-0170 I'IIIIIIIIII'rllllll`" I"II"IIIIIIII'II'rllllhIll'I=IiiiiIIIi1 TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number 00017157428 New Balance $4,767.87 $65.00 November 25, 2012 Minimum Payment Due Payment Due Date Amount Enclosed $ TARGET. u u u '00000 11 D Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 account Identification Number: 00017157428 Statement Closing Date: October 28, 2012 rRAVIS W SMITH Page 2 of 2 Transactions Trans Date Description ot;Transaction or Credit P�ayit�entts ;i Oct. 25 PHONE PAYMENT Location Amount -HARRISBURG. PA TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD et Oh* INTEREST CHARGE -PURCHASES TOTAL INTEREST CHARGED FOR THIS PERIOD 'oar to lora Total fees charged in 2012 Total interest charged in 2012 $70.00 $564.53 -$65.00 465.00 $39.43 $39.43 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. r, Purchases Cash Advances nua e tnteresttati $4,603.80 $0.00 There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. $39.43 $000 enefits Summary The REDcard saves you 5% off our already low prices at Target stores and at Target.com. Use your REDcard today and every day, and enjoy savings on almost anything at Target. Some exclusions apply. See program rules in /our Target store for details. 2012 REDcard Savings: $1.23 Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Target.comitcoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Targel.comlpharmacy rewards tor details. peciat Announcements and Exclusive Offers More Field Trips. More Books. More Computers. Thanks To REDcard holders. Thanks to the REDcard purchases of those enrolled in Take Charge of Education, over $300 million has gone to classrooms nationwide to help bring learning to life for kids. From art supplies to better echnology together we're making a big difference for little students. And we couldn't be more grateful for his loyalty and support: Learn more at Target.com/TCOE. TARGET. u D iu 00000' Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: November 28, 2012 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged Interest Charged $4,767.87 -$65.00 +$0.00 +$0.00 +$0.00 +$40.53 New Balance Total Credit Limit Cash Limit Available Credit Portion Available for Cash The Cash Limit is a portion of the Total Credit Limit Statement Closing Date Days in Billing Cycle $4,743.40 $4,800.00 $0.00 $56.60 $0.00 11/28/2012 31 For questions, an address change or to report a lost or stolen card, go online or call us: Target.com/redcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) Manage My REDcard Target Credit Services TDD/TDY Outside the U.S. Calling will not ,reserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date $4.743.40 $65.00 12/25/2012 Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: I#you make ti additional charge using this cardd and r eaoh month you pay Ydu wilt pay off the bata ice shown on thr tateri�ent rt1 about And you !l , en'd up par ng irk esttmeted ;!+' dotal rif 'Y , . Only the minimum Payment 19 years $12,491 $180 3 years $6,480 ("Savings=$6.011) f you would like information about credit counseling services, call 1-800-991-8433. Important Messages You have been approved for a temporary payment arrangement. Each month, just make the payment you agreed to of $65.00 by your payment due date, and your account will not be assessed late fees or become further past due. If you can't make your payment on time, please call us at (888) 608- 7627. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. TARGET. =W PHONE. HOME OR MAIL ADDRESS? .EASE. UPDATE ON ;VERSE SIDE. )FFICE COPY Target National Ranh, an affiliate or Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK 1111111111111111111111111111111111 TARGET NATIONAL BANK P.O. BOX 660170 DALLAS TX 75266-0170 Ih1IIIIIIIIi1 iiIalliu1I11II1ii1IIIIII11111iti1iIII1I;Innllir TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number 00017157428 New Balance $4,743.40 Minimum Payment Due $65.00 Payment Due Date December 25, 2012 Amount Enclosed $ -pedal Announcements and Exclusive Offers TARGET. 0 11 °0000 11 11 N Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: November 28, 2012 TRAVIS W SMITH Page 2 of 2 Transactions Trans Date Description of Transaction or Credit Nov. 25 PHONE PAYMENT Location HARRISBURG, PA TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD INTEREST CHARGE -PURCHASES TOTAL INTEREST CHARGED FOR THIS PERIOD 2012 Thais Year fo Dat Total fees charged in 2012 Total interest charged in 2012 $70.00 $605.06 Amount -$65.00 -$65.00 $40.53 $40.53 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account Purchases Cash Advances There is a Minimum Charge of $1.00 for any billing period in which an interest charge s imposed. enefits Summary The REDcard saves you '5% off our already low prices at Target stores and at Target.com. Use your REDcard today and everyday, and enjoy savings on almost anything at Target. Some exclusions apply. See program rules in /ow Target store for details. I REDcard savings this year: $1.23 Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Target.comitcoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Target.com/pharmacy rewards for details. 3reathe Easy with 30 extra days for returns. Nhen it's time for post -holiday returns, REDcard© helps you skip the stress. Pay with your REDcard and you lave 30 extra days for returns on our standard return policy - up to 120 days for most purchases. This bonus s just for REDcard holders, in effect for the holiday and every day. Some restrictions apply. See rarget.com/redcard for details. 1 TARGET. N *00000* rarget Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 kccount Identification Number: 00017157428 Statement Closing Date TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance $4,743.40 Payments and Other Credits -$65.00 Purchases and Other Debits +$0.00 Cash Advances +$0.00 Fees Charged +$0.00 Interest Charged +$39.02 New Balance Total Credit Limit Cash Limit Available Credit Portion Available for Cash $4,717.42 $4,800.00 $0.00 $82.58 $0.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 12/28/2012 Days in Billing Cycle 30 For questions, an address change or to report a lost or stolen card, go online or call us: Target.com/redcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Cali Collect) Manage My REDcard Target Credit Services TDD/TDY Outside the U.S. Calling will not preserve your billing -error rights mportant Messages 11 December 28, 2012 Payment Information New Balance $4,717.42 Minimum Payment Due $65.00 Payment Due Date 1/25/2013 Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: u itc+ If Attmake addtiional Charges i usnng.this card and each month you.pay ' t u lill'pay dit tt balance n tan , #hts dt4te►11edt,frr' ablut I I �tnd you dill ' ettid ufi i��yt g } an,estrmated ,: tout of .i Only the minimum Payment 18 years $12.423 $180 3 years $6,480 (Savings=$5.343) f you would like information about credit counseling services, call 1-800-991-8433. You have been approved for a temporary payment arrangement. Each month, just make the payment you agreed to of $65.00 by your payment due date, and your account will not be assessed late fees or become further past due. If you can't make your payment on time, please call us at (888) 608- 7627. /Ve may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. rARGET. :W PHONE. HOME OR MAIL ADDRESS? EASE UPDATE ON VERS SIDE. IFFICE COPY Target National Bank. an affiliate of Target Stares NOTICE. SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE 70 TARGET NATIONAL BANK 11111 1111 111111111 AAIVulllll TARGET NATIONAL BANK P.O. BOX 660170 DALLAS TX 75266-0170 IIIIIIIIIIIIIm1Il1IIr1III1tIIl1IIIIIIII"IIIIIIIIIlIIIUj,Ulf TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account identification Number 00017157428 New Balance $4,717.42 Minimum Payment Due $65.00 Payment Due Date January 25, 2013 Amount Enclosed $ TARGET. 11 n 11 11 ^00000' 11 11 11 rarget Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 ccount Identification Number: 00017157428 Statement Closing Date: December 28, 2012 -RAVIS W SMITH Page 2 of 2 Important Messages (cont.) Product Safety Guest safety continues to be a top priority for Target. Visit Target.com or any Target in-store kiosk for product safety alerts and recall information. ransactions Trans Date Description of Transaction or Credit PHONE PAYMENT Dec. 25 tyf Location HARRISBURG, PA TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD ilnterblt Ott INTEREST CHARGE -PURCHASES Amount -$65.00 -$65.00 TOTAL INTEREST CHARGED FOR THIS PERIOD Total fees charged in 2012 Total interest charged in 2012 $70.00 5644.08 $39.02 $39.02 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Purchases mash Advances 9.99% There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. enefits Summary The REDcard saves you 5% off our already low prices at Target stores and at Target.com. Use your REDcard today and every day, and enjoy savings on almost anything at Target. Tome exclusions apply. See program rules in four Target store tot details. REDcard savings this year: $1.23 Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Targel.cornitcoe for details, Enroll in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Target.comipharmacy rewards for details. pecial Announcements and Exclusive Offers 3reathe Easy with 30 extra days for returns. Nhen it's time for post -holiday returns, REDcard® helps you skip the stress. Pay with your REDcard and you lave 30 extra days for returns on our standard return policy - up to 120 days for most purchases. This bonus s just for REDcard holders, in effect for the holiday and every day. Some restrictions apply. See TARGET 11 A -'J0000 fl N 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: January 28, 2013 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged Interest Charged $4,717.42 465.00 +$0.00 +$0.00 +$0.00 +$40.10 New Balance $4,692.52 Total Credit Limit $4,800.00 Cash Limit $0.00 Available Credit $107.48 Portion Available for Cash $0.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 1/28/2013 Days in Billing Cycle 31 For questions, an address change or to report a lost or stolen card, go online or call us: Target.com/redcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) Manage My REDcard Target Credit Services TDD/TDY Outside the U.S. Calling will not preserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date $4,692.52 $65.00 2/25/2013 Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you illake no ' , s addstionat charges uaIng;this bard and each it onth you pay - ou tr i1J )Say off file balance; shown do , ttit temertf fix i about t ` . Artif ybu'`+n+tii end up paying , ane timafed 1, ! ;,total Only the minimum Payment 18 years $12,360 $180 3 years $6' 480 (Savings=$5,880) f you would like information about credit counseling services, call 1-800-991-8433. Important Messages You have been approved for a temporary payment arrangement. Each month, just make the payment you agreed to of $65.00 by your payment due date, and your account will not be assessed late fees or become further past due. If you can't make your payment on time, please call us at (888) 608- 7627. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. Target National Bank. en atTifiate of Target Storee rARGET W PHONE. HOME OR MAIL ADDRESS? .EASE UPDATE ON VERSE SIDE. 'FFICE COPY NOTICE. SEE REVERSE SIDE FOR fMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK Account Number XXXX-XXXX-XXXX-2686 00017157428 $4,692.52 $65.00 February 25, 2013 11111 1II III!11III I1I1!I IllI 11111 TARGET NATIONAL BANK P.O. BOX 660170 DALLAS TX 75266-0170 IiIIIIIIIIII"IIIIII"11"II"1111IIII'II"IIIII#III'I.IIIIIIIII' TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Identification Number New Balance Minimum Payment Due Payment Due Date Amount Enclosed $ 11 11 11 00000 11 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: January 28, 2013 TRAVIS W SMITH Page 2 of 2 Transactions Trans Date Description of Transaction or Credit Locaton Amount Jan. 25 PHONE PAYMENT HARRISBURG, PA , ....................................................... „ . .. ... Ai#05pN)ly:;Py,14#!fai4rEwgimg,g,:rozgamfa:Ta:,.,my,izaw,Tigv,„ TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD -$65.00 • - .......... ............................................................................ eress,un INTEREST CHARGE-PURCHA.SES . ...... $40. 10 TOTAL INTEREST CHARGED FOR THIS PERIOD $40_10 Total fees charged in 2013 Total interest charged in 2013 $0.00 $40.10 interest Charge Calculation Your Annual Percentage Rath (APR) is the annual interest rate on your account. Type of Batance Purchases Cash Advances %nnLIaI Percentaqe Rate (APR) 999% 9.99% $4,728,44 $0.00 There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. toitstkti. $40..10 $0.00 Benefits Summary The REDcard saves you 5% off our already low prices at Target stores and at Target.com. Use your REDcard today and every day, and enjoy savings on almost anything at Target. Some exclusions apply. See program rules in your Target store for details. Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Targel_comitcoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% off shopping day at Target Subject to Target Pharmacy Rewards program rules. See store or Target.com/pharmacy rewards for details. pecial Announcements and Exclusive Offers Why go paperless? SMart reasons to switch. .by choosing online -only REDcard statements, you're helping save trees and cutting clutter in your mailbox each month. Download your monthly statement as a PDF, so it's easy to review and save. Make the switch today at Target.corn/rcam. TARGET u u 11 '400D00" Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Fees Charged Interest Charged $4,692.52 -$65.00 +$0.00 +$0.00 +$0.00 +$39.89 New Balance $4.667.41 Total Credit Limit $4,800.00 Cash Limit $0.00 Available Credit $132.59 Portion Available for Cash $0.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 2/28/2013 Days in Billing Cycle 31 For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target Credit Services TDD/TDY Outside the U.S. Target.com/redcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights 11 111 11 February 28, 2013 Payment Information New Balance $4,667.41 Minimum Payment Due $65.00 Payment Due Date 3/25/2013 Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: tt you make nc > add,tronat charges . us+ng`thrs card and each month wta' a Y t3 Y ` You vita pay ofi #rte, : balance.:shown tits this str>tement to ablaut , end you wl l' dup ray.it1g San esttttlatec3 fatal txf Only the minimum Payment 18 years $12,298 $180 3 years 480 $6' ('Savings=$5, 818) f you would like information about credit counseling services, call 1-800-991-8433. Important Messages You have been approved for a temporary payment arrangement. Each month, just make the payment you agreed to of $65.00 by your payment d assessed late fees or become further past due. If you can't make your payment 7627. We may report information about your account to credit bureaus. Late payments your account may be reflected in your credit report. ue date, and your account will not be on time, please call us at (888) 608- , missed payments, or other defaults on TARGET, EW PHONE. HOME OR -MAIL ADDRESS? -EASE UPDATE ON EVERSE SIDE. )FFICE COPY Target National Bank. an affiEiate of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK 111111111111111111 111111111111111 TARGET NATIONAL BANK P.O. BOX 660170 DALLAS TX 75266-0170 IrIIIIIIIIIIrrllllllrrrlrrllrrllllllllrllrrlllllrlll'I'Illilllllr TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 00017157428 $4,667.41 $65.00 March 25, 2013 Account identification Number New Balance Minimum Payment Due Payment Due Date Amount Enclosed $ TARGET.? 11 A u =00000. 0i 111 I� Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: February 28. 2013 TRAVIS W SMITH Page 2 of 2 Transactions Trans Date Description of Transaction or Credit Feb. 25 PHONE PAYMENT Location Amount Merits And'±G HARRISBURG, PA TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD • 465.00 -$65.00 INTEREST CHARGE -PURCHASES $39.89 TOTAL. INTEREST CHARGED FOR THIS PERIOD $39.89 Total fees charged in 2013 Total interest charged in 2013 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. ';when Purchases Cash Advances $4,703.43 $0.00 There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. Benefits Summary The REDcard saves you, 5% off our already low prices at Target stores and at Target.com. Use your REDcard today and every day, and enjoy savings on almost anything at Target. Some exclusions apply. See program rules in your Target store for details. Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Target.comitcoe for detaits. Enroll in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Target.com/pharmacy rewards for details. pecial Announcements and Exclusive Offers Why go paperless? Smart reasons to switch...by choosing online -only REDcard statements, you're helping save trees and cutting clutter in your mailbox each month. Download your monthly statement as a PDE, so is easy to review and save. Make the switch today at Target.com/ream. TARGET 11 11 11 1 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: March 28, 2013 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debts Cash Advances Fees Charged Interest Charged $4,667.41 -$65.00 + $0.00 +$0.00 + $0.00 +835.82 New Balance $4,638.23 Total Credit Limit $4.800.00 Cash Limit $0.00 Available Credit $161.77 Portion Available for Cash $0,00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 3/28/2013 Days in Billing Cycle 28 For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target Card Services TDD/TOY Outside the U.S. Target.com/redcard 1-888-755-5856 1-500-347-5842 1-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date $4,638.23 $82,00 4/25/2013 Minimum Payment Warning: If you make only the minimum payment each period, you wit pay more in interest and it will take you longer to pay off your balance. For example: If you make I ilgiti3O.Orgo ' using' -#1*,*', ,and 04;011:10tit'14fPOWL.,,J,i',.,;g,. ' • iii'tiKiiiiiiiii ' 1$a1ade:41ittiW,paying. fit — ' 0woestimafed • - And ,Wilt • ,, Only the minimum Payment 18 years $12,208 $179 3 years $6,444 (Savings=$5.764) f you would like information about credit counseling services, call 1-800-991-8433. Important Messages Important Message Please take a moment to read an important update within the documents of this envelope. This contains important information regarding an update in credit card terms and an updated Privacy Policy. .2W PHONE. HOME OR :MAJL ADDRESS, .EASE UPDATE ON :-VERSE SIDE_ IFFICE COPY NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET CARO SERVICES 1111111111111111111111111111111111 TARGET CARD SERVICES P.O. BOX 660170 DALLAS TX 75266-0170 11111111111ligiiilym1111111111111111111,1111111111111millip TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number New Balance Minimum Payment Due Payment Due Date Amount Enclosed $ 00017157428 $4,6.58.23 $82.00 April 25. 2013 TARGET: 11 11 *0000c* 11 u 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account identification Number: 00017157428 Statement Closing Date: March 28, 2013 TRAVIS W SMITH Page 2 of 2 Transactions Trans Date Mar. 25 Description of Transaction or Credit PHONE PAYMENT yF1'1 Location Et? Amount HARRISBURG, PA TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD INTEREST CHARGE -PURCHASES TOTAL INTEREST CHARGED FOR THIS PERIOD *.Y."8*, to Date Total fees charged in 2013 Total interest charged in 2013 $115.61 -$65.00 -$65.00 $35.82 $35.82 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Purchases Cash Advances There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed, 9.99% 9.99% $4,675.42 $0.00 $35.82 $0.00 Benefits Summary The REDcard saves you 5% off our already low prices at Target stores and at Targetcom. Use.your REDcard today and every day, and enjoy savings on almost anything at Target. Some exclusions apply. See program rules in your Target store for details. Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rutes. See store or Target.comltcoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Target.comlpharmacy rewards for details. pecial Announcements and Exclusive Offers IVhy go paperless? Smart reasons to switch...by choosing online -only REDcard statements, you're helping ;ave trees and cutting clutter in your mailbox each month. Download your monthly statement as a PDF, so is easy to review and save. Make the switch today at Target.com/rcam. TARGET, 11 11 11 11 11 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: April 28, 2013 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits • Cash Advances Fees Charged Interest Charged $4,638.23 -$82.00 +$0.00 +$0.00 +$0.00 +$90.84 New Balance Total Credit Limit Cash Limit Available Credit Portion Available for Cash The Cash Limit is a portion of he Total Credit Limit Statement Closing Date Days in Billing Cycle $4,647.07 $4,800.00 $0.00 $152.93 $0.00 4/28/2013 31 For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target.com/redcard Target Card Services 1-888-755-5856 TDD/TDY 1-800-347-5842 Outside the U.S. 1-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Payment Information New Balance $4,647.07 Minimum Payment Due $137.00 Payment Due Date 5/25/2013 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $35.00 late fee. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: -Ir•,:!:','•:':::":.'.;: ,. I.Or0ii0'00j:';N: i.R*44146640*04giA001-000:***,on A14ff,*44i.:iiiiiia ,j.00ttOirgitiyii0'00,2it :-,T.:.'..k:!:!,,,'..:,-:,:i•.,i!'li:',.,:L?.J 'Y,Owmit-Op:y::-. igi ii'itifeii in4440,44-fe,' .,.t, 0604 ,? .l;:6'f.',.';'.:..:?!.0,.. :It'a4litiiR end Pf*,, paving tat.**.;,.f,,, Only the minimum Payment 18 years $12,130 $180 3 years $6,480 (Savings. --$5,650) f you would tike information about credit counseling services, call 1-800-991-8433. Transactions Trans Date Description of Transaction or Credit Location )VRESg:RAVfiningggFBERMfigEVggtrPanents... Apr. 25 E-PAYMENT,TARGET.COM Amount -$82.00 TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD -$82.00 (transactions continued on next page) TARGET. EW PHONE. HOME OR •MAIL ADDRESS'? _EASE UPDATE ON VERSE SIDE. )FFICE COPY NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET CARD SERVICES Account Number XXXX-XXXX-XXXX-2686 1111111111111111111111111111111111 TARGET CARD SERVICES P.O. BOX 660170 DALLAS TX 75266-0170 l'1111111111"1111111"1"11111111111111"11111111+11111 TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Identification Number New Balance Minimum Payment Due Payment Due Date Amount Enclosed 00017157428 $4,647.07 $137.00 May 25, 2013 s pecial Announcements and Exclusive Offers TARGET Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 TRAVIS W SMITH 11 11 11 '1C)000 11 11 Statement Closing Date: April 28, 2013 Page 2 of 2 Transactions (cont.) Trans Date Description of Transaction or Credit ......................................................................................................................................................................................................................................ha INTEREST CHARGE -PURCHASES Location ......... TOTAL INTEREST CHARGED FOR THIS PERIOD 3;P:011,1POP'''"404408*400;60#01.t.I4 Total fees charged in 2013 Total interest charged in 2013 $0.o0 $206.65 Amount $90.84 $90.84 interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Bance'Subt to tntetest Rate $4,671,55 Cash Advances 22.90% (v) $0.00 (v) Variable Rate There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. Benefits Summary The REDcard saves you' 5% off our already low prices at Target stores and at Target.com. Use your REDcard today and every day, and enjoy savings on almost anything at Target. Some exclusions apply, See progrIam rules in your Target store for details. Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Target.cornitcoe for details. Enroll in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Target.comipharmacy rewards for details. Why go paperless? Smart reasons to switch...by choosing online -only REDcard statements, you're helping save trees and cuttingMutter in your mailbox each month. Download your monthly statement as a PDF, so t's easy to review and save. Make the switch today at Target.com/rcam. TARGET. 11 11 11 11 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number; 00017157428 Statement Closing Date: May 29. 2013 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Past Due Amount Fees Charged Interest Charged $4,647.07 -$0.00 +$0.00 $137.00 +$26.00 +$88.32 New Balance Total Credit Limit Cash Limit Available Credit Portion Available for Cash $4,760.39 $4,800.00 $0.00 $39.61 $0.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 5/28/2013 Days in Billing Cycle 30 For questions, an address change or to report a lost or stolen card, go online or call us: Target.com/redcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) Manage My REDcard Target Card Services TDD/TDY Outside the U.S. Calling will not preserve your billing -error rights 11 Payment Information New Balance Minimum Payment Due Payment Due Date $4, 760.39 $297.00 6/25/2013 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $35.00 late fee. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: --,:•-:,,'"'"':',.'.'''',"r.,.',':,',';',: you make 440ti000 fPti*-01#' ' I.IIT:iiiiii4,1tiii:bartd*oi.,( , *0;:',6,i#M11.y4P...J ., •:,:.''','".,.,:''d,';''',:.::,!:,:ic''''' Yiti6;411)06y,oft ''-.::,:.:,, , '''''br.r1(.°ieitllillckw61/7'' .,.kil. 004411t,,,‘. ,.":4 '—., ' .': pn§' g4ti t total Only the minimum Payment 18 years $12,154 f you would like information about credit counseling services, call 1-800-991-8433. Important Messages Missed Payment! We didn't receive your minimum payment by your last due date. If you've made the payment since then, thank you! If you haven't, please make a payment by going to Target.comitedcard and clicking on "Manage My REDcard" or by calling us at (888) 608-7627. You can also make a payment at any Target store or with the enclosed envelope. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. EW PHONE, HOME OR -MAIL ADDRESS? LEASE UPDATE ON EVERSE SIDE. )FFICE COPY NOTICE. SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMEt0 MADE PAYABLE TO TARGET CARD SERVICES Account Number XXXX-XXXX-XXXX-2686 1111111111111111111111111111111111 TARGET CARD SERVICES P0.BOX 660170 DALLAS TX 75266-0170 11111111111"1111111"1"11"11111111111"111111111+1111111111 TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Identification Number New Balance Minimum Payment Due Payment Due Date Amount Enclosed $ 00017157428 $4,760.39 $297.00 June 25, 2013 TARGET 11 R 11 'C0000 11 u Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: May 28, 2013 TRAVIS W SMITH Page 2 of 2 11 TOTAL FEES FOR THIS PERIOD INTEREST CHARGE -PURCHASES TOTAL INTEREST CHARGED FOR THIS PERIOD Total fees charged in 2013 Total interest charged in 2013 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Purchases Cash Advances (v) = Variable Rate There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. at ,erci nt 22.90% (v) 22.90% (v) $4.692.92 $0.00 Brest $88.32 $0.00 Benefits Summary The REDcard saves you 15% off our already low prices at Target stores and at Target.com. Use your REDcard today and every,day, and enjoy savings on almost anything at Target. Some exclusions apply. See program rules in your Target store for details. Enroll in Take Charge of Education and choose the eligible K-12 school that you want to help. Schools use the money they receive from this program to buy what students need. Subject to Take Charge of Education program rules. See store or Target.com/tcoe for details. Enron in Target Pharmacy Rewards. Then, fill just 5 prescriptions with your REDcard at Target Pharmacy, and you'll get your very own 5% off shopping day at Target. Subject to Target Pharmacy Rewards program rules. See store or Target.com/pharmacy rewards for details. Special Announcements and Exclusive Offers When you use your REDcard at Yarget.com, your purchases ship for free. No minimum purchase. And that's on top of the 5% savings you already receive just for shopping with your REDcard. Some restrictions apply. See program rules in store or at Target.com/REDcard for details. TARGETe N d D N '00000' 11 11 u Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: June 28, 2013 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Past Due Amount Fees Charged Interest Charged $4,760.39 -$0.00 +$0.00 +$0.00 $297.00 +$35.00 +$93.54 New Balance $4,888.93 Total Credit Limit $4,800.00 Cash Limit $0.00 Available Credit $0.00 Portion Available for Cash $0.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 6/28/2013 Days in Billing Cycle 3 For questions, an address change or to report a lost or stolen card, go online or call us: Target.com/redcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Gall Collect) Manage My REDcard Target Card Services TDD/TDY Outside the U.S. Calling will not preserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date $4,888.93 $474.00 7/25/2013 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $35.00 late fee. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: tf you make rlo additional l#t r s asrn f + card and eaw�h month you pay . Yeu wdl. pay Ofi hhe balanc a li�tfl071 ; t,this at 4.- 00, ' abouttolal,of`. And 1Ybti wilt nd+ttt p9ytnr t' +orf es i `fated j7 Only the minimum Payment 18 years $12,193 f you would like information about credit counseling services, call 1-800-991-8433. Important Messages Payment Options for Your Account Your account is still past due. We know you want to keep your account in good standing, and we may be able to help by offering special payment options, To learn more, go to Target.com/redcard and click on "Manage My REDcard" or call us at (888) 608-7627. PHONE. HOME OR -MAIL ADDRESS? EASE UPDATE ON :VERSE SIDE. )FFICE COPY NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET CARD SERVICES 1111111111111111111111111111111111 TARGET CARD SERVICES P.O. BOX 660170 DALLAS TX 75266-0170 111111111111"1111111"1"11"1111111111"111111111+1111111111 TRAVIS W SMITH 175 WHISKEY RUN RD NEWVtLLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number 00017157428 New Balance $4,888.93 $474.00 July 25, 2013 Minimum Payment Due Payment Due Dale Amount Enclosed $ TARGETi 11 11 11 11 00000' 11 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: June 28, 2013 TRAVIS W SMITH Page 2 of 2 Transactions Trans Date Description of Transaction or Credit Location Amount gig,iWggRgc'g'iNtggni.giggM ............................................................................... No payments or, credits were received last month. Jun. 25 LATE PAYMENT FEE . .. INTEREST CHARGE -PURCHASES . . TOTAL INTEREST CHARGED FOR THIS PERIOD $35.00 TOTAL FEES FOR THIS PERIOD $35.00 21fl3 'TotaiS Yea to bate Total fees charged in 2013 TOtal interest charged in 2013 $60.00 $388.51 $93.54 $93.54 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Purchases Cash Advances (v) = Variable Rate Satiate ,131eate 22.90% (v) $4,809.97 22.90% (v) $0.00 There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed, tfaggittli-TATycli resi1,.,ehatg $93.54 $0.00 TARGET. 11 11 11 11 11 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: July 28, 2013 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Past Due Amount Fees Charged interest Charged $4,888.93 -$0.00 +$0.00 +$0.00 $474.00 +$36.00 +$92.93 New Balance $5,016.86 Total Credit Limit $0.00 Cash Limit $0.00 Available Credit $0.00 Portion Available for Cash $0.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 7/28/2013 Days in Billing Cycle 30 For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target Card Services TDO/TDY Outside the U.S. Target.comiredcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date $5,016.86 $651.00 8/25/2013 Late Payment Warning: If we do not receive you minimum payment by the date listed above, you may have to pay up to a $35.00 late fee. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: ',..;':',M'i,.,i': ;[•':.?..,;./..!:.,,:i.3;;:.:.,.1:,:!,,,p;:::.:,..„.,, you make no . "14Ortat4fie6ii ......6,•„on :".'.iitng i!16ii,:i4434:- .r'oolotiyi.fiiiiorti,i6&w ..,.,....,„,,,,,, 'it 4rpy.k4:1:.,): he lik'.hown, r.,''' i' about.,,...„ ,.,.., "qW end totalof4.1w Only the minimum Payment 18 years $12,234 f you would like information about credit counseling services, call 1-800-991-8433. Important Messages Your Account is Past Due We still haven't received sufficient payment to bring your account current. If we don't set up payment arrangements soon, late fees and finance charges will continue to add to your balance, and your account will continue to be reported to the credit bureaus as past due. Even if you aren't able to pay your full minimum due right now, we may still be able to find a solution that works for you. To learn more, go to Target.comlredcard and click on "Manage My REDcard" or call us at (888) 608-7627 today. EW PHONE, ROME OR -MAIL ADDRESS? LEASE UPDATE ON EVERSE SIDE. )FFICE COPY NOTICE:SEE REVERSE SIDE FOR IMPORTANT INF ORMATiON INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET CARD SERVICES Account Number 111111111111111111111111111111111 TARGET CARD SERVICES R0, BOX 660170 DALLAS TX 75266-0170 111111111111"1111111"1"11"11111111111"111111111+1111111111 TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 XXXX-XXXX-XXXX-2686 00017157428 $5,016.86 $651.00 August 25, 2013 Account Identification Number New Balance Minimum Payment Due Payment Due Date Amount Enclosed $ TARGET. 11 11 11 11 .00000 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: July 28.2013 TRAVIS W SMITH Page 2 of 2 Transactions Trans Date Description of Transaction or Credit Location Amount No payments or credits were received last month. Jul, 25 LATE PAYMENT FEE .• . 1 .• , • $35.00 TOTAL FEES FOR THIS PERIOD $aaoo INTEREST CHARGE -PURCHASES $92.93 TOTAL INTEREST CHARGED FOR THIS PERIOD $92.93 ',1:20.134titaiSiYeat4' Total fees charged in 2013 Total interest charged in 2013 $95.00 $481.44 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Purchases Cash Advances (v) = Variable Rate • fitratiPiteentag0,-;q4tWO 22.90% (v) 22,90% (v) $4,938.33 $0.00 There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. TARGET 11 11 1 I Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: August 28, 2013 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Past Due Amount Fees Charged Interest Charged $5,016.86 -$0.00 +$0.00 +$0.00 $651.00 +$35.00 +$98.57 New Balance $5,150.43 Total Credit Limit $0.00 Cash Limit $0,00 Available Credit $0.00 Portion Available for Cash $0.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 8/28/2013 Days in Billing Cycle 31 For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target Card Services TDD/TDY Outside the U.S. Target.comiredcard 1-888-755-5856 1-800-347-5842 i-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date $5,150.43 $835.00 9/25/2013 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $35.00 late fee, Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: if you make it aridittpnat charges using:thle card an each month you pa'.:' 'clU will pay off the 010410606.r:' STs staternert , about Only the minimum Payment 18 years $12,274 f you would like information about credit counseling services, call 1-800-991-8433. Transactions Trans Date Description of Transaction or Credit No payments or credits were received last month. (transactions continued on next page) TARGET: EW PHONE HOME OR -MAIL. ADDRESS? _EASE UPDATE ON EVERSE SIDE. 1FFICE COPY NOTICE' SEE. REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET CARD SERVICES 1111 111111111 TARGET CARD SERVICES P.O. BOX 660170 DALLAS TX 75266-0170 111111111111111111111"1"11"11111111111"11111111111'111111111. TRAVIS W SMITH 175 WHISKEY RIJN RD NEWVILLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number 00017157428 New Balance $5,150.43 Minimum Payment Due $835.00 September 25, 2013 Payment Due Date Amount Enclosed $ 11 11 11 11 *00000" 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: August 28, 2013 TRAVIS W SMITH Page 2 of 2 Transactions (cont.) Trans Date Description of Transaction or Credit Location Amount • ..................................................................................... ..... ' Aug, 25 LATE PAYMENT FEE " INTEREST CHARGE -PURCHASES $35.00 TOTAL FEES FOR THIS PERIOD $35.00 $98.57 $98.57 TOTAL INTEREST CHARGED FOR THIS PERIOD ni0004*****01404::!;!:'; Total fees charged in 2013 Total interest charged in 2013 $130.00 $580,01 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type ar Balance .. .. . Purchases Cash Advances Pennua1rcentage Rate 22.90% (v) 22,90% (v) 5068.87 $0.00 (v) = Variable Rate There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. $98.57 $0.00 TARGET. 11 11 11 11111 0000E0' 11 11 II Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: September 2B. 2013 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Past Due Amount Fees Charged Interest Charged $5,150.43 -$0.00 +$0.00 +$0.00 $835,00 +835.00 +5101.19 New Balance Total Credit Limit Cash Limit Available Credit Portion Available for Cash $5.286.62 $0.00 $0.00 $0.00 $0.00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 9/28/2013 Days in Billing Cycle 3 For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target Card Services TDD/TDY Outside the U.S. Targelcomiredcard • 1-888-755-5856 • 1-800-347-5842 1-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date $5,286.62 $1,023.00 1012512013 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $35.00 late fee. Minimum Payrnent Warning: If you make only the minimum payment each period, you wit pay more in interest and it will take you longer to pay off your balance. For example: i4t:14;;;;::;W:tgr:41'‘l each rnonth you pay,.. about. Only the minimum Payment 18 years $12,296 f you would like information about credit counseling services, call 1-800-991-8433. Important Messages Account Seriously Past Due Your REDcard account is seriously past due, but we may still be able to offer special payment arrangements to help you clear up your account and get your finances back on track. Your first step is to call us at (888) 608-7627 or go to Target.com/redcard and click on "Manage My REDcard." EWPHONE. HOME OR .MAIL ADDRESS? .EASE UPDATE ON ?VERSE SIDE. 1FFICE COPY NOTICE. SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET CARD SERVICES 11111110 111111111 111 111 11111 11 111 TARGET CARD SERVICES P.O. BOX 660170 DALLAS TX 75266-0170 111111111111"1111111"1"11"1111111111"11111111+1111111 I TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number 00017157428 New Balance $5,286.62 $1,023.00 October 25. 2013 Minimum Payment Due Payment Due Date Amount Enclosed Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 TRAVIS W SMITH 11 11 11 11 '00000' 0 Statement Closing Date: September 28, 2013 Page 2 of 2 Transactions Trans Date Description of Transaction or Credit Location Amount 4-L'IwzWXmWzTEPiiiiii444ii*iiik*iiO4O4*iWM;AVWWPRW:igOPW: No payments or credits were received fast month. nmmIXRWIMMOMMWWWWWattiiiiMMWONSIROWWWWWWW. Sep. 25 LATE PAYMENT FEE $35.00 TOTAL FEES FOR THIS PERIOD $35.00 IMMVtWAMMONAMTUMWWVMV4TiOW-,. AMMEMODNOWnmewo*MOVOMWA INTEREST CHARGE -PURCHASES $10t19 $101.19 TOTAL INTEREST CHARGED FOR THIS PERIOD Rital fees charged in 2013 Total interest charged in 2013 $165.00 $681.20 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. VOMMNAMASM VIAMiggn.VMUNIM. Balance Subt t�. ilit.;•IM VA:#9.0-#.0t hisig.00000044z. Purchases Cash Advances 22.90% (v) 22.90% (v) $5,203.71 $0.00 (v) = Variable Rate There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. TARGETA 1 11 11 1111 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: October 28, 2013 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Past Due Amount Fees Charged Interest Charged $5,286.62 -$0.00 +$0,00 +$0.00 $1,023.00 +$36.00 +6100.49 New Balance Total Credit Limit Cash Limit Available Credit Portion Available for Cash $5,422 11 $0.00 $0.00 $0.00 $0.00 The Cash Limit is a portion of th4 Total Credit Limit Statement Closing Date 10/28/2013 Days in Billing Cycle 30 For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target Card Services TDD/TDY Outside the U.S. Targeicomlredcard 1-888-755-5856 1-800-347-58.42 1-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Payment Information New Balance Minimum Payment Due Payment Due Date $5,422.1t $1,212.00 11/25/2013 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $35.00 late fee. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: • f,y00iilliid:,.tiiiy,:,--: 01,C4,00f'01.1k..,. ,';:i:!;!,;k10%ftt)k5040.„... I*40*6)•600'...6004i- 4,4tiiifpairrthe.i., 0040****6og:',',end tfitO:ili,t014fifir• l'''''41;iii.0.;J:R6 And you'''Irri'll'l •--6:All an estimated'Af ofitapPAR "'::•:.,0'.:vYA,A..--',1if, Only the minimum Payment 18 years $12,340 f you would like information about credit counseling services, call 1-800-991-8433. Transactions Trans Date Description of Transaction or Credit Location Amount No payments or credits were received last month. (transactions continued on next page) 1W PHONE. HOME OR MAIL ADDRESS? EAS E UPDATE ON :VERSE SIDE. FFICE COPY NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET CARD SERVICES IIIIIIIII111111111 1111111111111111 TARGET CARD SERVICES P.O. BOX 660170 DALLAS TX 75266-0170 111111111111"111111"1"11"11111111111"11111'1111111111111 TRAVIS W SMITH 175 WHISKEY, RUN RD NEWVILLE RA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number 00017157428 New Balance $5,422.11 Minimum Payment Due $1,212.00 Payment Due Date November 25, 2013 Amount Enclosed $ Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 TRAVIS W SMITH Transactions (cont) Trans Date Description of Transaction or Credit Oct. 25 LATE PAYMENT FEE INTEREST CHARGE -PURCHASES 11 11 11 •D0000' 11 11 11 Statement Closing Dale: October 20, 2013 Page 2 of 2 Location TOTAL FEES FOR THIS PERIOD $100.49 TOTAL INTEREST CHARGED FOR THIS PERIOD $100.49 Amount $3500 $35.00 Total fees charged in 2013 Total interest charged in 2013 $200,00 $761.69 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your accountBalance Stibjec... Annual.;Prcentage 0%*(AP4)0gfUni.N'41:i0t00A0c.,, 22.90% (v) $5,339.66 Tvre r Purchases Cash Advances (v) = Variable Rate 22.90% (v) $0,00 There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. $100.49 $0.00 11 11 11 11 '00000- 11 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: November 28, 2013 TRAVIS W SMITH Page 1 of 2 Summary of Account Activity Previous Balance Payments and Other Credits Purchases and Other Debits Cash Advances Past Due Amount Fees Charged Interest Charged $5,422,11 -$0.00 +$0,00 +$0.00 $1,212.00 +835.00 +$0.00 New Balance Total Credit Limit Cash Limit Available Credit Portion Available for Cash $5,457.11 $0.00 $0.00 $0.00 $0,00 The Cash Limit is a portion of the Total Credit Limit Statement Closing Date 11/28/2013 Days in Billing Cycle Payment Information New Balance Minimum Payment Due Payment Due Date $5,457,11 $5,457.11 12/25/2013 If you would like information about credit counseling services, call 1-800-991-8433, For questions, an address change or to report a lost or stolen card, go online or call us: Manage My REDcard Target Card Services TDDiTDY Outside the U.S. Target.com/redcard 1-888-755-5856 1-800-347-5842 1-612-307-8622 (Call Collect) Calling will not preserve your billing -error rights Important essages Your account has been charged off. This is your final statement. Transactions Trans Date Description of Transaction or Credit Location Amount No payments or credits were received last month. .......................................................................................... Nov. 25 LATE PAYMENT FEE 53500 TOTAL FEES FOR THIS PERIOD $35.00 (Vansactions continued on next page) :W PHONE. HOME OR MAIL ADDRESS? EASE UPDATE ON VERSE SIDE. FFICE COPY NOTICE. SEE REVERSE SIDE FOR IMPORTANT INFORMATION INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET CARD SERVICES 11111111111110111 111111 11111 11 111 TARGET CARD SERVICES P0,BOX 660170 DALLAS TX 75266-0170 1.1111111111"111/11"1"11"11111111111"IIIIIVIIIIIIIIIIIP TRAVIS W SMITH 175 WHISKEY RUN RD NEWVILLE PA 17241-8601 Account Number XXXX-XXXX-XXXX-2686 Account Identification Number 00017157428 New Balance $5,457.11 Minimum Payment Due $5,457.11 Payment Due Date December 25, 2013 Amount Enclosed $ TARGET* 11 11 11 11 00000* 11 11 11 Target Visa Credit Card Account Number: XXXX-XXXX-XXXX-2686 Account Identification Number: 00017157428 Statement Closing Date: November 28, 2013 TRAVIS W SMITH Page 2 of 2 Transactions (cont.) Total fees charged in 2013 $235.00 Total interest charged in 2013 $781.69 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account, "-''':•!.',.:*..1,,.IVIL,•.;',,, •,,, tqa.1:80-pgptlbj eMcm.i,.,-,.,„ Percentaqe, 0 Interest ttat#,Yll'A' .,:,,,,,,,,,114„ 0.00% $5,426.62 $0.00 0.00% There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed. 1 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TD BANKUSA, N.A., as SUCCESSOR : IN INTEREST TO TARGET NATIONAL : BANK • Plaintiff CIVIL ACTION -LAW v. • NO: 14 -2009 -CV ANSWER c-) TRAVIS W SMITH Defendant • . r -,--t (7,•J --, - :, rn rri r rl - --: .1 CO r- 1 r/ -‹ > PO LID : r— 377. > -71 Filed on Behalf of Defendant: 22: TRAVIS W SMITH ..,•::-. , Counsel of Record: Robert D. Klingensmith, Esquire PA I.D. # 313960 HAROLD SHEPLEY & ASSOCIATES, LLC 209 West Patriot Street Somerset, PA 15501 (814) 444-0500 (814) 444-0600 (fax) rklngensmith@shepleylaw.com IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TD BANKUSA, N.A., as SUCCESSOR IN INTEREST TO TARGET NATIONAL : BANK Plaintiff v. TRAVIS W SMITH Defendant • • • • • • • • CIVIL ACTION -LAW NO: 14 -2009 -CV ANSWER AND NOW, comes the Defendant, TRAVIS W.SMITH, by and through his attorney, Robert D. Klingensmith, Esquire of Harold Shepley & Associates, LLC, and files the following Answer to Plaintiff's Complaint: Count I 1. Admitted 2. Admitted 3. Denied. After a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to whether he used the account at issue to the extent Plaintiff alleges he did. After a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the terms and conditions of the original agreement, and whether those terms and conditions were subsequently amended by the Plaintiff. 4. Admitted in part and denied in part. It is admitted that the Defendant has stopped making payments on said account. It is however denied that the Defendant owes the Plaintiff the amount of money they are seeking. 5. Admitted. 6. Denied. Defendant is without knowledge or information sufficient to form a belief as to whether accurate information was obtained by the Plaintiff. Defendant disputed owing any debt to the Plaintiff and has no information to accurately calculate the amount claimed owed by the Plaintiff. ` 7. Denied. The statement is one drawing a factual conclusion. No such response is necessary. In the event that a response is required, it is specifically denied that the Plaintiff computes and maintains accurate records. It is denied the amount of money allegedly owed is due in owing to the Plaintiff. 8. Admitted in part and denied in part. It is admitted that the Defendant has stopped making payments on said account. It is however denied that the Defendant owes the Plaintiff the amount of money they are seeking. 9. Admitted in part and denied in part. It is admitted that Plaintiff mailed statements to the Defendant. It is however denied, that mailing those statements to the Defendant gives rise to mutual assent in which judgment can be entered against such. It is denied that Defendant owes any money to the Plaintiff. Count II 10. Admitted. 11. Denied. After a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to whether he used the account at issue to the extent Plaintiff alleges he did. After a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the terms and conditions of the original agreement, and whether those terms and conditions were subsequently amended by the Plaintiff. 12. Admitted in part, denied in part. It is admitted that Plaintiff extended a line of credit to Defendant. It is specifically denied that the amount of money Plaintiff alleges is owed is actually owed to Plaintiff. Count III 13. Admitted. 14. Denied. The statement draws a legal conclusion of which no response is required. If a response is required, Defendant specifically denies that Defendant owes the amount of money Plaintiff claims they owe. 15. Admitted in part and denied in part. It is admitted that Plaintiff mailed statements to the Defendant. It is however denied, that mailing those statements to the Defendant gives rise to mutual assent in which judgment can be entered against such. It is denied that Defendant owes the amount of money Plaintiff contends they are owed. 16. Admitted in part and denied in part. It is admitted that the Defendant's alleged billing statements were sent to the Defendant. It is however denied that Plaintiff's agreement to extend credit excuses Plaintiff's obligation to illustrate the amount truly owed in this case. The Defendant continues to deny that they owe the Plaintiff the amount of money Plaintiff contends is owed. 17. Admitted in part and denied in part. It is admitted that the Defendant received some merchandise during the credit agreement. It is however denied that Defendant received the amount of merchandise that Plaintiff contends that they have. 18. Admitted in part, denied in part. It is admitted that Plaintiff extended a line of credit to Defendant. It is specifically denied that the amount of money Plaintiff alleges is owed is actually owed to Plaintiff. WHEREFORE, Defendant respectfully requests that judgment be entered for it on Plaintiff's claims and the same dismissed with prejudice. Respectfully submitted, Robert D. Klingensmith, Esquire Attorney for the Defendant Harold Shepley and Associates, LLC 209 West Patriot Street Somerset, PA 15501 (814) 444-0500 (814) 444-0600 (fax) rklingensmith@shepleylaw.com VERIFICATION Travis Smith, hereby states that I am the Defendant in this action and verifies that the statements made in the forgoing pleading are true and correct to the best of my knowledge, information and belief. The undersigned understands that the statements herein are made subject to the penalties of 18 Pa. C.S.A. Section 4904 relating to unsworn falsification to authorities. Travis Smith Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TD BANKUSA, N.A., as SUCCESSOR IN INTEREST TO TARGET NATIONAL : BANK • Plaintiff • v. • TRAVIS W SMITH • Defendant • CIVIL ACTION -LAW NO: 14 -2009 -CV CERTIFICATE OF SERVICE I served this Praecipe to Enter Appearance, Answer and Discovery Requests by U.S. Mail, postage prepaid, at 213 E. Main Street, Carnegie, PA 15106 on Gregg Morris, Esquire, of Patenaude and Felix, A.P.C. the Attorney for the Plaintiff, TD Bank USA on September 25, 2014. I declare under penalty of perjury that this information is true. Date: September 25, 2014 A\Migar) Server's Signature Gretchen Giles — Legal Assistant Printed Name and Title Harold Shepley & Associates, LLC 209 West Patriot St. Somerset, PA 15501 Server's Address